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��15�5�37 <br /> '��. Borrower Nat Re[eased; Fvrhea�anc� By Lender Not a Vllai�er. Ex�ension af th�time for payment or <br /> madificat�on af amor�izat��n af th�sums secur�d b�this Se�urit�r�nstrument granted by I.�ender to Borr�wer <br /> ar any Successflr�n�nterest af Borr�wer sha��n�t operate to release�he liab�li�.y�f Barro�ver or any <br /> Successors in In�erest of Bor�ro�er, Lender sha�l n�t be r�quir�d ta�ommen�e proceed�ngs again��any <br /> Successar in In��rest af Borrower or to refuse to extend�ime for payment�r other�v�se modify arnor�i�at�an <br /> af�h�sums secured b�this Secur�ty Znstrument by r�ason of an�demand mad�by the�r�ginal Borrov�rer or <br /> any Succes�ars in�nt�re�t�f Borrower. Any farbearari.ce by Lender in�xercxsxng any right or remedy <br /> �nclud�ng, w��hout�irni�ation, Lender's acceptance a�payments fram third pers�ns, en�ities ar Successors in <br /> �nterest of�3orrower ar in arn�unts less than�he amoun��hen due, shall no�be a�raiver of�r preclude th� <br /> exer�zs�of any righ�or remed�. <br /> 13. Jo�nt and Severa[ Liability; Ca-signers: Successors and Ass�gns gvund. Borrflvv�r cvvenants and <br /> agr��s that Borrnwer's��ligati�ns and lxabxl�ty shall be jo��t and severa�. Howev�r, an�Borrower wha <br /> ca-sign�this Securi��Instrum�n�but does na�e�.ecu�:e the�ote�a "c�-signer"}: (a��s�o--signing this <br /> Security Ins�rument only to mortgage, grant and corivey the c�-signer's int�res��n the Property under the <br /> t�rms of this 5e�:ur�ty�n�trument; �b} is not personatly ob�igated to pa�the sums s�cur�d b��his Securi�y <br /> �nstrumen�; and�c}agrees that Lender and any ather Borrawer can agre�to extend, mod�f�, farb�ar�r make <br /> any accornmodat�ons�vith regard to the terrns of�his �ecurity �ns�rumen�:ar the Not�without�he c�-sig��er's <br /> cansen�. <br /> Sub�ect�o�he prfl�is�ons of Sec�ion 18, any Successor iri�nteres�of Barrov�er v�rho assumes Barrflwer's <br /> ob�igat�ons under this Secur���Instrum�nt�n writing, and is appraved b�Lender, shall abtain ali�f <br /> Borr�wer's righ�s and benef�ts under�his Securit�Ir�strurnen�. Barrower shall nflt be released frorn <br /> Bvrrawer's ab�xgat�ans and�iabi���y under this Security Ins�rument un�ess Lende�r agrees t�su�h re��as��n <br /> writing. The cov�n�n�s and agreements of�hxs S�curxty�ns�rument shall�ind�ex.�ept as pravided in SeGtian <br /> 2fl} and benef�t the successors and ass�gns of Lender. <br /> 'i 4, Laan Charges. Lender may charge Borrawer fees for services performe�l in cox�ect�on with B�rrower's <br /> default, far the purpose�f pro�ecting L,�nder's�n�er�st�n the Prnp�rt�and rights under th�s 5ecuri�y <br /> �nstrumcn�, inc�uding, bu�not�imited�o, atto�neys' fees, proper�y inspection and va�uation fees. �n regard to <br /> any other fees, the absen�e af express au�hari��in th�s Securi�y Ins�rument to charge a specif��fee to <br /> Barraw�r shal�not be construcd as a prohibit�on on�he charging af su�h fee. Lender may not charge fees <br /> that are��pressly prohibx��d by this Secur��y Yns�rument or�y Appl�cable Law. <br /> If�he Loan is subject�o a iar�v wh��h se�.s maxiznum��an charges, and tha��aw is finally�nterpret�d so that <br /> �he�nt�res�or ather loan charges callecte�.or�.a be ca����ted in c�nnec��on vv��h the L�an exceed�he <br /> perm�tted�imi�s, �hen: (a}any su�h loan�harge shall be re�uced by the am�u�xt necessary ta reduce t�e <br /> charge�o the pernai�ted limit; and (b}any sums alread�co��ected fr�m Borrflwer whi�h exceeded per�nitted <br /> l�m��s�ril1 be refunded ta B�rrower. L�nder may ch�ose�.a make this refund by reducing�he pr�ncipal ov�ed <br /> under�h�N�te flr by making a d�re�t payment to Borrower. If a refund reduces prin�ipal, the reductian will <br /> be�.reated as a partial pre�aymen�w�thou�an�prepa�ment c�iarge�v�hether or n�t a prepaymen�charg�is <br /> provided for under�he Not�}. Borrower's acceptance of any such r�fund made by direct payment ta <br /> Borrower�vz�� canstitute a waiver of an�r�ght of action Borrower rnight have ar�s�ng�ut of such overcharge. <br /> 'I 5. Natices. A��natices given by Borrower or Lender in co�nection wtth this Security rns�rurnent must be in <br /> �rriting. An�r no�ice to Borrower in connection with this Secur�ty�ns�rument sha��be de�rned t�have been <br /> given�o Borrov�rer when rnailed by f�rst class rnai�ar when a�tual�y delivered�o Barr�wer's natice address if <br /> se�.�b�other m�ans. Notice to any one Borrower sha11 constx�.u�e n�tic�to all Borrovvers unless Applicable <br /> I..��w e�pressly requ�res o�herwise. The notice addres�shall be the Praper�y Address unless Borrower has <br /> N�gRASKA-5ingle Family-F�nnie MaelFreddie Mac UN1��RM�NSTRUMENT Fvrm 342$'�1�1 <br /> VMP O VMPS�NEy�1342i <br /> WQlters Kluwer Finan�ial 5er�ices Page 1'! of 17 <br />