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— 201209917 Porbearance by Lender in exercising r,ny righi or remedy including, withuuC limitntinn, I,ender's acce��Cance of ��aymente Protn third persmis, eutitics or Snccessnrs in In[eres[nl'Rorrower nr ir��Ullllt3�CfiS (�an the amntlnl Chen duc, shall nnt he a wni�er nl"or preclude ihe exercisc ol'an}•right nr retnedy. 12, JolnCand Seecrai T.f.36ilitYe Cn-si��er3� 9uccessnrs nnd Assigns Ronnd. BnrrowercovcnanCs and ngrecs thnt Ila•rower's oUligalions vid liahilif}•sh�fl hcjoinl and sevcral, kIowever, any Horrower who co-signe this Seuurity I��strumenc P�uC does not cxecute the Vnle[a"co-signcr'}: (a] is en-signing this Sccurity Instivmenl.only to martgage, grar�C mid convcy tlie ca-signcr's incerest ir� [1ie Proper[}° under the Icrrns of this SecutiCy Histiumenl; (b) is nnt perannally obligate�i co pay thc yunis secured hy lhis Seciuiry InsCrument; ana (c) agrees [hal T,ender and any other Rorrower c,tn agree tq exlend,modii]�, lozhenx or make �ury nccnmmudaCions with reg,ud to tl�c terms of this Sccuril.y Irislrument nr lhe Note v.•[t}�oul tl�e ca-sign�r's covscnt. Subject [o lhe pmc•isinny ol' Sectinn 17, an}� Succcssnr in Interest ol' Borrower who assmncs 8irrtower's obliga[ions under this Secnrih Tnsirunient hi writins,�, ,3nd ia apprqved by Lendcr,shall obtnin all oP Rorrower's righcs and benefits under this Security In.ccrument. Borrower shall not be released from Borrower's obligations and liability under this Security Insm:ment unless Lender agrees to such release in writing, The covenants and agreements of this Security Instrument shall hind (except as provided in Section 19) and benefit the successors and assigns of Lender. 13. Loan Charges. Lender ma�� charge Borroo;er feea for services performed in connection with Borrower's default, for the purpose of protecuna Lender's intereat in che Property and rights under this Security Instrument, including, but not limited co: attflrneys' fees, property inspection and valuation fees. In regard to any other fees,the absence of express authority in this Securii; Insirument ro charge a specific Pee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohiUited by this Security Instrument or by Applicable La�v. If the Loaz�is subject to a la�v ahich sets ma�im�v-n loan chazges, and that law is finally intarpreted so that the interest or other loan charges wlleated or to be collected in connection with the Loazi exceed the permitted limits, then: (a)any such loan charge shall be reduced by fhe amount necessaiy to reduce tlie charge to the permitted limit; and (b) any sums already collected from Borrower �vhich exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund 6}•reducing[heprincipal owed wider the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction �vill be treated as a partiai prepayment without any prepayment charge(whefher or not a prepayment charge ia provided for under fhe Note). Borrower's acceptance of any such refund made Uy� direct pa�ment to Bo:ro�r•er�iill constitute a waiver of any right of action Borrower might have arising out oP such oremharge. 14.Notices.-All-notica.gi��en b;�-Borro�i�er orLender in connection with this SecurityInsttument must be in - - writing. Any notice to Borro�ver in connection�vith tl�is Saurity Instrument shall be deemed to have Ueen given to Borrower when mailed Ug� first class mail or when actually delivered to Borrower's notice address if sent by o[her means. Notice to any one Borro�ver shall cronstitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Propem� Addreas unless Borrower has designated a substitute notice address by notice to Lender. Borro�ier shall promptl} notify I,ender of Borrower's change of address. If Lender specifies a procedure for reporting Borron,�er's change o Faddress,then Rorrower shall only report a cli�nge of nddress llzr�ugh thal ypecifiad pmecciine. Therc�nay be an[y nne �iebibnntcd nnl.ice ��ddress undet Cllis Securiry InsCrument al any one timc. Az�y noticc tn [,aider sl:all hc give�i U}� dcli�•ering it or by mail3�ag it by firsl cl;�ss mnil to Levder's address sl;tl.cd hereiii ririless T.endcr has dasi�nnred�n��lher addrese by noCice to llorrowcr, Any noiice iix conuection wiCh Chis Scc��riCy Inshumcni shEill uo[ hc �ivaned to l�a�c huon given lo I.ender until actuxlly receivcd by l,ender. lf any noCiee reqidred hy :liis Suurity Insuum�rc�C is also required under Applicable Law, lhe Applieablc� I,;�w raquirenronc will gaticfy Ihe correspnnding requiroctaenl under rhis 5ccuriCy Inatr�7uicnC. 15. Cove�•�iing Lar�; s�..�•fli,titc,; HuIcs of L'nnsfruction. 'Phis Security Inslruanent shall hu �;overned by I'cGlcral law nnd the law or ihc.jurisdictinn in which the PrnE�erty is locatcd. All riglits and obligntioi�s conl.uned ii1 tl�is SecuriCy Instrutncn[ are sul�jccl lo an}� requirc�neais nnd liniilxlions oYA})plie;ible Lflw. Applicable L:iW mi}�ht explicitly or i�xiplicitly allov; ihe pari.ics to agrec hy cnntrnct nr il rniglit �e silcnl, Uut sucl� Filc��ce shall nnt he consCxued as a prolxibition a�ainsi ngre;.ir.cnl by conrraci, In [he even[thaC �n�y provisinn m•clnusc ol'I.his Securlty NEBRASKA-Single Family-UNIFCP.M f\STRUhAENT DosMeglc�r� MODIFIED FOR DEPART6IENT OF VETERANS AFFAIRS - A42R5 www.docma (Rev. 1(01) Page 9 of 14 giacom