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201207797 LOAN #: 0293761326 amou nt of the sums secured immediately before the partial t�king,destruction,or loss in value,unless Borrower and Lender otherwise agree in writing,the Niiscellanoous Proceeds shall be applic.i to the sums secured by this Secunty Instrumentwhether or not the sums are ihen due. If ihe Property is abandoned by Borrower,or ii,after notice by Lenderto Borrower that the Opposing Party(as defined in the nextsentence)offers to makc an award to settle aclaim for damages,Borrower fails to respond to Lenderwith in 30 days zfter the date the notice is given,Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Secunty Instrument,whether or not then duc."Opposing Pany"means the[hird party that owes Bonower Miscellaneous Proceeds or the party against whom Borro�n�cr has a right ot action in regard to Misceilaneous Proceeds. Borrower shail be in defauft If any action or proceeding,whether civil or criminal,is begun ihat,in Lender's judgment,could result in forteiture of the Property or other maierial impairment of Lender's interest in the Property o�rights undcr this Security Instrument.Borrower can cure such a default and, "rf acceleration has occurred,reinstate as provided in Section 79,by causing the action or proceeding to bc dismissed with a ruling that,in Lender's judgment:preciudes forfeiture of thc Property or other matenaf impairment ot Lender's interest in the Propcity or righls under this Security Instrument.The proceeds of anyaward or claim for damagec that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. AII Miscelianeous Proceeds that are not applied to restoration or repair of Ihe Property shall be applied in the order provided for in Section 2. 72. Borrower Not Released; Porbearance By Lender Not e Waiver. EMension of the time for payment or modrfication of amorozation of the sums secured by tnis Security Inslrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to relaase the Iiability of Borrower or any Successors in Interest of Borrower. Lender shail not ba reyuired to commence pmceedings against any Successor in Imerest of 8orrower or to refuse to extend time for payment or olherwiso modify amortization of the sums secured by ihis Security Instrument by reason of�ny demand made by the original Borrower or any Successors in Inierest oF Borrowec Anyforbearance by Lender in exercising any right or remedy including,wilhout limikition,Lender's acceptance of paymente from third persons,entities or Successors in Interesi of Borrower or in amounts less ihan the amount then due,shall not be a waiver of or preclude[he exercise of any right or remedy. 13. Joini anci Several llability;Co�signers;Successorsand Assigns Bound.Bvrrower covenanG, snd ac�rees that BorcawePs obligations and liability shall be joint and several.However,any 6orrower who co-signs this Securily Instrumant but does not execute the Note(a"co-�ig�er"):(aJ is co-signing this Security Instrument only to mortgage, hrant and convey the co-signer's interest in the Property underthe terms of this Security Insirument;(b)is nnt personaily obligated to pay ihc sums secured by this Secudty Instrument;and (c) ac�rees that Lender and any other Borrower pan agree to eMend, modity,for6ear or make any accommodations with regard to the terms of this Security Instrument or the Nate without ihe co-signer's consent. Subject to the provisions of Section 1&, any Successor in in[eresl of Qorrowcr who assumes 8orrower's obligations underthis Security Instrumentinwriting,and is approved by Lender;shallobfain all ot Borrower's rights and benefits under this Security Instmment.Ciorrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing.The covenants and agreements of Ihis Security Instrument shall bind{axcept as pmvided in Section 20)and benefit Ihe successors and assigns of Lender. 14. Loan Charges. Lender may chargo Borrower fees for services pertormed in conneciion with BorrowePs default,for the purnose of protecting Lender's interest in the Property and righis under this Security Insirument,inctudiny,but not limited to,attorneys'fees,property inspection nnd valuation fees. in regard to any other fees,the z6sence af express authority in this Security Instrument ro charge a spec8lc fee to Borrower shall not be construed as a prohibition on the charging of such fee.Londor may not charge fees thai are ezpressly prohibited hy this Securiry Instrument oY by Applicable Law. If the Loan is subjec[to a lawwhich sets mabmum loan charges,and that k�w is finally interpreted so thatthe interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then:(a)any such loan charge shall 6e reduced by the amount nxessary ta reduce the charge to tlie permitted Iimit and(b)any sums already collected from Bon�owerwhich exceeded permitted limiis wiil be refunded to Borrower.Lender may choose to make this refund by reducing tl'ie principal owed undcr the Note or by making a direct pa}nnent lo E3orrower.If a refund reduc>s principal,the reduction will 6e heated as a partial prepayment without anyprepaymentcharge(whether or not a prepayment charge is provided for under tbe Note).Bonower's acceptance of any such refund made by d+�ect payment to Borrower will constdufe a waiver of any right of action Borrower might have arising out of such overcharge. 15. No¢ices.All notices given by Borrower or Lender In connecfion wkh this SecudFy Instrument must � be in writing.Any notice to Borrower in r,onnecfion with this Secur(ry Instrument shall be dee�ned to have been given to Borrower when mailed by first class mail or when acivally delivered to Borrower's no4ca address if sent byother means.Notice to any one Borrower shail constHute notice to all Borrowers unless Applicable Law expressly requires otherwise.The natice address shall Ue the Property Address unless Borcower h2s designated a substiNte notice address py notice to Lendec Borrower shall��r�iptlyy��4fyq'�„ Initials: yZY_-��,� NEBRASKA--SingleFamily-FannioMaolFratltlleMacUNIFORMINSTRUMENTForm3028t107 i OnlineDocumenes,lna Page 8 of 11 NEEDEE� i10¢} Y V'