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201207384 <br /> 12. Borrower Not Released; Forbearance By Lender Not a Waiver. �xtension of the tune for payment or <br /> modificafion of amortization of fhe sums secured by this Security Instrument�anted by Lendex to Borcower <br /> or any Successar in Interest of 3orroarer shall noY operate to release the liability of Borrower or any <br /> Successors in Interes4 of Borrower. Lender shall not be reqirirecl to coinmence proceedings against any <br /> Successor in Interest of Borrower ar tQ refiase to extend time for payment or ofherwise modify amortization <br /> of thc swns secued by this Security Instrument bq reason of any demand made by the original Bonower or <br /> any Successors in Interes[of Bonower. Any forbearance by Lender in esercising any ri�t or rcmedy <br /> including without lunitati�n, Lender's acceptance of payments fram third persons, enrities or Successors in <br /> Interest of Boaower or in amoim[s less than the amount then due, shall not be a waiver of or preclude che <br /> exercise of anv right or remedy. <br /> 13. Join4 and Severaf Liability; Co-signers; Successors and Assigns Bound. Borrower covenanfs and <br /> a�ees that Bosower's obligatioiis and liability sha11 be joint and sevezal. However, any 13orrower who <br /> co-sig�s this Security Instnunmt hut does not execute the Note(a"eo-signer"): (a) is co-siaiing this <br /> Security Instrument only to inortgage, grant and convey the co-signer's interest in the Property under the <br /> terms of this Security Instrument (b)is not personally obligated to pay the stuns secured by this Security <br /> Instrument; and(c) agrees that Lender and any otker Borrower can agree to extend, modify, foxbear or make <br /> any accammodarions with regard to flie tern�s of this Security Instnunent or the Note without the co-signer's <br /> coasent <br /> Subjeef to the provisFons of Seetion 18, azry Succeasor in Intaest of Borro�ver who assumes Borrqwer's <br /> obligations under This Securitv Instrument in writing, and is approved by Lender, shall obtain all of <br /> Borro�ver's rights azid benefits under this Security Instnunent. Borrower shall noC he released from <br /> Borrower's obligations and liability under ttus Security Instrument unless Lender agrees to such release in <br /> wripng. The povenants and agceemenYs of Yhis Security Ivstrumenf shall bind(except a�provrded ui Septlon <br /> 20) and 6enefit the successors and assigns of I.ender. <br /> 14. Loan Charges. Lender may char�e Borrower fees f'or services performed in connection with Borrower's <br /> defaulY, foz the purpose oP protecting T,ender`s interest 3n The Property and right9 under this Sec�ity <br /> Inscnunent, including, but nqt limited to, attozneys' fees, propeiky inspect3on and valuation fees. In regazd to <br /> any other Yees, tr.e absence of express aufliority in this aecurity Instrument to charge a specific fee 20 <br /> Borrower shall not be construed as a prolubi�on on the chazging of such fee. I ender may not charge fees <br /> that are e�ressly prohibited by tYtis Security Instrument or by Applicable Law. <br /> If the Loan Is suUject to a law which sets magimum 1oan eharges, and that law is finally interprefed so t1�a.t <br /> the interest or other loan chazges collected or to be collected in coanection��vith the I,oan exceed the <br /> permitted 1Smits, then: (a) any such loan charge shall be reduced by the amounT necessary co reduce the <br /> chuge to the pexmitted limit; and(b) any swns alreadp collected fron2 Borrower which excee.ded permitted <br /> limiLs will be refunded to Borrower. Lendcr may choose to make thvs refund by reducing the principal o�ved <br /> und�r The Note or by malcmg a direct payment to Bonpwer. If a refund rectuces principal, the reduction will <br /> be treated as a pazkal prepaymeni without any prcpaytnant charge(whether or not a orepaymers chazge is <br /> provided for under the Note). Boxrower's aeceptance of any such refund ivade by direct payment to <br /> Borrowcr a�11 constitute a waiver of any rght of action Borrower might have azising ouc of sucli overcharge. <br /> 15. Notices. All nnticcs a ven by Borrower or Lender in connectlon with this Securiry Instrument must bc in <br /> writi�g. Any norice to Borrower in connecCion with this Security Instnunent shall be deemed to ha�e been <br /> given to Borrower when malled by first class mail or when actually delivered ta Borrower's notice address if <br /> sent by othex means. Nolice Co any one Botrowei shall constitute natice to all Borrowers unleas Applicable <br /> Law expressly requires otherwise, The notice address shall be the Property Address unless Borrower has <br /> zaoozoaz <br /> NFBRASKA-Singleramily-FznnieMaelFreddiebiacUNIFORbf INSTRUMENT Porm30281l01 <br /> VYl P� VM P6(N6�(91 p5) <br /> W ottars Kluw er Financia!ServicPs Page 1 T of 1� <br />