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��14��13� <br /> 12. Borrovver Not Released; Forbearance By Lender Not a Wa��er. Ex�ension�f the t�me far paymen�or <br /> modi�cation of amo�izatian of the sums secured by�h�s Secur�ty �nstrument gran�ed by L,�nd�r�o Borro�er <br /> or any Successor�n�nt�rest of Barrow�r shall not opera�e to re��ase the liabili�y of Borrower or any <br /> Successors in�nt�res�of Borrower. Lend�r shall nat be requ�red to commenc�proc�edings against any <br /> Successor in �nterest of B�rrawer or to refuse to ex�end t�me for paymen�or�therw�se mod�fy amo��za�ion <br /> of the sums se�ured b�this Security Instrument b�reason of an�demand made by�he�rigina� B�rrawer or <br /> an� 5uccess�rs �n�n�eres�of Borrower. Any forbearanc�by Lend�r in exer�ising any right or remedy <br /> �nc�ud�ng, �ithou�lzmi�a�ion, L�nder's acceptance af paym�n�s fr�m�h�rd persons, ent�t�es ar Succ�ss�rs �n <br /> In�erest of Borra�er or in amounts less than�he amount�hen due, sha11 n��he a wa��er�f or pr�c�ude the <br /> exercise af any righ�or remed�. <br /> �3. Jvint and Se�eral L�ab�lity; Co-signers: Successars ar�d Assigns Baund. Borrower ca�enan.�s and <br /> agrees�ha� Barr�wer's ob��gat�ons and �ia�ility shall�e joint and several. How��er, any Borrawer who <br /> co-signs th�s Security Ins�rum�nt but does not�xecu�� th�No�e�a "co�sign�r"}: �a} is co-signing this <br /> Secur�t� Ins�rument anly��m�r�gage, grant and conve�r�he co-signer's interes� in t�e Proper��under�he <br /> ternzs of this Securit� �nstrumen�; �b} �s n��personal�}�obl�gated t�pay�he sums s�cured by this Securi�y <br /> Ins�rument; and �c}agre�s �ha�I�nder and any other Borrovver can agree�o ex�end, modify, f�rbear or make <br /> any a�commodat�ons wi�h regard to the term.s af thzs Security �nstrument or the No�e w�thou�t�e co-s�gn�r's <br /> C�nS�nt. <br /> Su��ect to the pro�isions of Sec��on �8, any Successor in Interes��f Borrow�r v�rha assumes Borr�wer's <br /> �bl�gat�ons under th�s Security �ns�rument in wr�ting, an� is appr��ed by Lender, shall ob�a�n ali of <br /> Borrov�rer's rights and b�nefits under this Securit� �nstrument. Borrower shall no�be released fraz�n <br /> Barrow�r's ob���a�ions and�iabi�it�under th�s Securi�y�nstrum�n�unless Lender agr�es�o su�h reiea�e in <br /> wrz��ng. The���enants and agreements of th�s S�curit� Instrumen�shall b�nd�exc�pt as provided in Sec�ion <br /> �D} and bene���he succe�sors and assigns of Lender. <br /> �4. L�an Charges. L.�nder may�harge Borrower fees for ser��ces performed in canne�tian vv�th Borrfl��r's <br /> default, for th�purpose of pr�tec�ing Lender's �n�ere��in the Property and rights under�his Securi�� <br /> �ns�rumen�, �n�lud�ng, bu�not Iimited�a, a��orn�ys' fees, proper�� �nspec�ion an��aluati�n fees. �n regard ta <br /> an�other fees, the absence�f expr�ss au��ari�y �n this 5ecur��y Instrumen�to charge a specific fee�o <br /> Borrow�r shall not be canstru�d as a proh�bitian on the charg�ng of such fee. Lend�r ma�not charge fees <br /> tha�are expressly prohi�i�ed by this Securi�y Instrumen�or by Appl�cab�e Lav�. <br /> �f�he Loan is subjec��o a law�vhich se�s maximurn�oan�harges, and�hat Iaw �s final�y �nterpreted so that <br /> the �n�erest or�ther Ioan char�es c�llec�ed or to be co��e�ted in c�nnection with�he I.�an ex��ed�he <br /> permitted �imits, then: �a} any such loan charge shai�be reduc�d by the amoun�ne�essary ta reduce�he <br /> charge�o�he permi�ted�im��t; and�b} any sums alread�coll�c�ed from Borr�wer vvhich exc�eded perm�tt�d <br /> limi�s wi�I be refunded�o Borrawer. Lender may choase to make�his refund�y reducing �he principai ovved <br /> und�r th�Note or b�making a direct payment t� Borr�wer, �f a refund reduces princxpal, the reduc�ion w��� <br /> be trea�ed as a par�ia�prepayment without any prepayment charge�v5rhether ar nat a pr��ayment charge�s <br /> prnWided far under the Nn�e}. Borrower's accep�anc�of any such refund ma��by direct payment�� <br /> Borrou�er vvill constitute a�ai�er af any ri�ht of acti�n Borrnwer migh�ha�e ar�s�ng out of such o�ercharge. <br /> 'i�. Natices. All notices gi�en b�B�rrower�r Lender in��nnection w�th this Security �nstrumen�must�e in <br /> wrx�xng. Any n���ce to Borrower in c�nnec��on with this Securi�y �nstrumen�shali be deemed�a ha�e be�n <br /> gi�en�o Borrower wh�n mai�ed by first c�ass maii or when ac�ually de�iWered�o B�rrower's natice address �f <br /> sent b�other means. Notice t�any one Borrflwer shal� const�tu�e nn�ice ta aI� Borrov�rers unl�ss Applicab�� <br /> La�r express�� requires otherwise. The notice address sha�l be the Pr�per�y Address un�ess B�rrower has <br /> NESf�ASKA-Sin�le Famiiy-�ar�nie Mael�r�ddi�Mac UNI�QRM INSTRUM�NT �orm 3�28 i 1�� <br /> VMP(] VMP6(N�)[13�2) <br /> Wo�ters Kluwer Financial 5e��ices Page 1 1 vf 17 <br />