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201209558 <br /> 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension ofthe time for payment or <br /> modification of amortizauon of the sums secured by this Security lnstrument granted by Lender to Borrower <br /> or any Successox in Interest of Borrower shall not opeaate to release the liability of Borrower or�ny <br /> Successor8 in Interest of T3oso�ver. Iznder shall not be cequired to commence proceedings against any <br /> Successor in Interest of Borrower or to refuse to exfend tnnc for payment or otherwise modify amortization <br /> of the sums secured by tlns Sec�sity Instrument by reason of any demand made by the oxiglnal$o�ower� <br /> any Successors in Interest of Borrower. Any forbearance by Lender ia exercising anv right or remedy <br /> including without limitation, Lendei s acccptance of payments from tlurd persons, enlities or Successors in <br /> Interest of Borrower or in amounts less[han the amount then due, shall not be a waiver of or preclude the <br /> exercise of any right or remedy. <br /> 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. BQrrower covenants and <br /> agrees thaY Borrower's obligarions and liability shall be joint and several. IIowever, any Borrower who <br /> co-signs this Security Instnunent but does not execute the Note(a"co-signer"): (a)is co-signing this <br /> Securlty Instrwnent only to mottgage, grapt and eonvey khe co-signer's 3nterest in the Pcoperty under the <br /> terms of this Sc;ciu-ity Instnunent; (U)is not personally obligated to pay the sums secured by fliis Security <br /> Instrument; and(c)agrees that Lender and any�other Borrower can agree to extend, modify, fotbeaz or make <br /> any accrnnmodations with regard to the terms of this Security Instrument or the Note with�ut d�e co-signer's <br /> consenf. <br /> Subject to the provisions of Section £8, any Successor in Interest oPBoaower who assumes Borro�ver's <br /> obligations under Uvs Security lustrument in�iting, and is approved by Leader, shall obtain all of <br /> Boirower's rights and benefits uxider this Security Insirument Borrower slYall not be released from � <br /> Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in <br /> �-iting. The cocenants and a�eements of this Security Instnunent shall bind(except as provided in Szction <br /> 20) and benefit the successors and assigns o£Lender. <br /> 14. Loan Charges. Lender inay charge Boiro�ver fees for szrvices performed in connection with Borrower s <br /> default, fox the purpose of protecting Lander's interesf in the Property and rights under this Sccurity <br /> 1i15trunicnt, including, but not lunitcd to; attorneys' fees, propety inspection and valuation fees. In regard to <br /> any other fees, the absence of eYpress autharity in this Security Instrument io chuae a spccific fce co <br /> Borcowcr shall not be construed as a prohihition on the charging of such fee. Lender may not charge fees <br /> that are expressly ptohihited by Yhis Secu�ity Insh2unent or by Applicable Law. <br /> If the Loan is subject to a law wluch sets maximum loan charges, and that law is finally inteapreted so that <br /> the iffierest or other loan ehazges collected or to be collected in connection tvith the Loan exceed the <br /> permitted limits, then: (a)any such 1oan charge shall be reduced by the ainonnt necessary to xeduce the <br /> charge to the pernutted lunit; and(U) any sums already colleded from$orrower which exceeded pemutted <br /> liinits wili bc refiinded to Borro�ver. Lender may clioose to inake this refund by reducing the principal owed <br /> under the Note or b5�making a direct payment to Borrower. If a refund reduces principal, the reduction��11 <br /> be�eated xs a partial prepayment without any prepayment chazge(��hether�r not a prepaymcnt char�e is <br /> provided for under the Note). Borrower's acceptance of any snch refund made by direct payment to <br /> Borrower will constitutc a waiver of any right of ac,Kion Borrower might have arisin�out of such overchazge. <br /> 15. Nvtices. All notices given by Borrowa or Lenda in connection with this Security InstrumenL musL be in <br /> writing�. Any notice to Borrower in connection with this Security Ins#rumenC shall be deeaned to have 6een <br /> given to Borrowzr when mailed by first class mail or when actually deliveced to Borrower's norica address if <br /> sent by other means. Notice to any one Borrower shall consutute notice to all Borrowers unless Applicable <br /> Law expxessly zequires otherwise_ The notice address shall be the Properry Address unless Bprrowex has <br /> zaooz�s� <br /> NEBRASKA-Single Famlly-Fannie P.4 aelFredOie h1 ac UNIFORb1 W STRUM 6NT Porm 3028 i l�i <br /> VHI P OO Vbi F6(NE)(1105� <br /> Wolters Kluwer Fnanc.al5ervices Page 11 ai 1. <br />