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201504234 <br /> Borrower.Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to <br /> refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by I <br /> reason of any demand made by the original Borrower or any Successors in Interest of Borrower.Any forbearance by <br /> Lender in exercising any right or remedy including,without limitation,Lender's acceptance of payments from third <br /> persons,entities or Successors in Interest of Borrower or in amounts less than the amount then due,shall not be a waiver , <br /> of or preclude the exercise of any right or remedy. <br /> 13.Joint and Several Liability;Co-signers;Successors and Assigns Bound.Borrower covenants and agrees that <br /> Borrower's obligations and liability sha11 be joint and several. However, any Borrower who co-signs this Security <br /> Instrument but does not execute the Note(a"co-signer"):(a)is co-signing this Security Instrument only to mortgage, <br /> grant and convey the co-signer's interest in the Property under the terms of this Security Instrument;(b)is not personally <br /> obligated to pay the sums secured by this Security Instrument;and(c)agrees that Lender and any other Borrower can <br /> agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or the <br /> Note without the co-signer's consent. <br /> Subject to the provisions of Section 18,any Successor in Interest of Borrower who assumes Borrower's obligations <br /> under this Security Instrument in writing,and is approved by Lender,shall obtain all of Borrower's rights and benefits <br /> under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this � <br /> Security Instrument unless Lender agrees to such release in writing.The covenants and agreements of this Security <br /> Instrument shall bind(except as provided in Section 20)and benefit the successors and assigns of Lender. <br /> 14.Loan Charges.Lender may charge Borrower fees for services performed in connection with Borrower's default, � <br /> for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument,including,but <br /> not limited to,attorneys'fees,property inspection and valuation fees.In regard to any other fees,the absence of express <br /> authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the <br /> charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by <br /> Applicable Law. <br /> If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the ' <br /> interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then: <br /> (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any <br /> sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may <br /> choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower.If <br /> a refund reduces principal,the reduction wiil be treated as a partial prepayment without any prepayment chazge(whether <br /> or not a prepayment charge is provided for under the Note).Borrower's acceptance of any such refund made by direct <br /> payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. <br /> � <br /> 15.Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. <br /> Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower <br /> when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to <br /> any one Borrower shall constitute notice to a11 Borrowers unless Applicable Law expressly requires otherwise.The notice <br /> address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. <br /> Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting <br /> Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. <br /> There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender <br /> shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has <br /> designated another address by notice to Borrower.Any notice in connection with this Security Instrument shall not be <br /> deemed to have been given to Lender until actually received by Lender.If any notice required by this Security Instrument <br /> is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under <br /> this Security Instrument. <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT For 3028 1/01 <br /> Page 9 of 13 <br /> ios,inc. Borrower(s)Initials <br /> L <br /> I <br />