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201208375 12. Borrower Not Released; Forbearance By Lender Not a Waiver. �xtension of the time f'or pa}nneut or inodific�Tion of amortizakion of the sums sectiired liy fl�is Security Jnshument granted by I.ender to Ron�ower or any Succeaeor in Tnterest of Borrower shall not opecate to relenae Che 1ia6iliCy of Borrower or any Suocessors in Iuterest of Borrower. Lander shall not be reqLnred to coirunence proceedings agaitrat nny Successor in Intare�t of Borrower or to rehise to exte��d time for payment or otherwiee modify amortization of tl�c sums accured by this Secneitq H�struinent by reason of ttny demand inade by tho or3gin�1 Borrower or any Successors in InCere.sC of Borrower. Any forUearanee by Lender in exercising nny righf or remedy including, without limitntion, Lender's acceptance of payments f'rom thiid persona, entities or Successore in TnteresY ok'Borrower or in amomits lass than the amount then due, s1�a11 not be a waivex of or preclude tha exercise of auy right or remedy. 13. Joint and 5eueral Liability; Co-signers; Successors and Assigns Liound. Dorrower covenants aud agrees that Boirower's obligntions ancl liability shnll be joint and severzl. IIowever, auy Borrower wlio co-signs this Securitiy Histaumenf buf does not execnte the Note(n "ca-sigier"): (a) is co-si��ii�b fl�is Secutity lnsh�ument only t4>>norCgage, grant and conveq Ihe co-eigncr's inlerest in thG Property und�'tihc Cerms oP[I�is Securi�y Instrument; (b)is not peraonally obligated to pay the sums seeured by this Secnrity Instruinent; u�d(c) agrees that Lender and auy other Rorrower ca�i agree to extend, inodify, forbear or make any aoeoinmodations witih regard to Uie tenns of Uiis Secnrity]nsUmnent or the Note without flie co-signer's consent. Subject to the pirovisions of Section 18, any Successor in Interest oP Borrower who assumee Borrowe�'s obligaTions under fliis Security Inshumci7t in writirig, and is approved by Lender, �l�all obtai�t all of Borrower's righte and benefils uncier this Secw�ity InslriunenG Barxower she11 not be released from Borrower'e obligatious and liability under d�ie Security InsYsumeut tmless Lender ngrees to such releasa in writing. The covenants and agreements of tlus Security Instnunent slull Uind{except as providc 20) and Uenefit the successors and aesigne of Lender. 14. Loan Charges. Lender may charbe 13orrower fccs for service,��erformed in comiecCipn wiCh Borrower'a defaidt, for th�p�irpose of proCec��ing Lencier'a intereat in the Propexty and righfs under this Security Inelrumen��, including, but not limitefl to, aktorneys' fees, property inspection and valua�tion�fees, In ragard to any oCher fees, the tibsence of express aothority in this Secm'ity Instrument to c6arge a specifio fee tc� Borrower shR11 noE be consErucd as a proliiUitioil on the charging o£such fee. Lender nzay not charge Pees tl�at aro vxpressly prohibiCed by this Seourity Instrumanf or by Applicable Law. Lf thc Loan ie aubjccC Co a law which sets mexinnun loau ol�argae, tuid that law is finally interpreYed so that the interest ar other loan oharges collected or t�o be co1lectcd in c�micc�ion with U�e Loan exceed the pertnitted limits, then: (a) any such loan clinrge shall bo reduced 6y the amounC necessaay to reduce the charge to tl�o peruiilLeci limit; and(b) nny sume alxeady wllectad'fi'om Bon ower which exceeded permitted limits will be tefundeci to Borrower. Lender may choose to mn1ce this rofiwd by reciucing 11ie principal owed under the Note or by maldng a direct pay�ncnt to Borrower. IP a refund rednces principal, the reduction will be treated as a partial prepa9n��cnt wilhouC�ry prepnyment eh�u ge (wliether or not a prepnyment charge is provided for undcr tho Noce}. Borrower's nccept�tnce of any such refund made Uy direct payment to Borrower will consttihite�waiver of any right oF actiou Borrower migUt havc a�ising out oP such ove�roharge. 15. Natices. A1] notices given by Borrower or Lender in comiection witb this Secm'ity 1nsfr�unenC nzu�t bc in wriLing. Any notice to Borrower in connecHon with ihie Security Instrun�euC shall be deeined to have been given tio Borrower when mailcd by first clacs mail or when actnally deliveA•ed to Borrower's noCice address if s�it by other mcans. Nofioe to nny one BorA•ow�r shatll constiihtte noGce to all]3orrowers timlcs,ti Applicablo Law ex�xessly requirea otherwise. The notice address shall bc N�c Yr operiy Address unless Borrower has 24002305 NEORASKA-SingleFamily-FannleMae7FredtlloMecUNIFORM INSTRIIMENT Form3�281101 Vh1P�(� � VMPB(NEl(11051 W olters Klmv er Financial Services Papn 11 n(1 i