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2� 1 ��83 1�. Borrower Not Ref�as�d: Farbear�nce By Lender Not a W�irrer. Extension af the time fnr paymen�or modi�catxan of amflrtiza�i�n�f the sums seeur�by t.�us Secur�t�r Ins�rwment granted by Lender to B�rrow�r or any Successar in Interes�af Borrower sha11 not operate to release the lxab�li�of Borrower or any Succe�sors in Interest of Barrower. Lender sha�1 not be required�o commence pra�z,ngs agaisast any Successor i.n Interest of Barrower or to r�fuse�o extend�im�for payment or��herwise modify amortizat�on of th�sums secured by this Security Instrument by reasan of an.y demand made by the or�ginal Borro�v�r or a�ny 5u�cessors in Interest of Barravver. Any forbearanc�by Lender in exercising any right or remedy includ�ng, wi�hout Iimitation, Lender's acceptan.ce of payments from t�hird persans, en�i�ies vr Successors in Interest of Borro�er or%�amoun�s Iess�han�he amaunt then due, shali no�be a vvaiver of or pre,�Iude the exercise of any right or remedy. 13. Joint and Ssver�! L�abil�ty: Co-sign�rs: Successars and Assigns Bound. Barrov�rer co�renants and agrees that�rrawer's oblrgat�ons and�iabi�ity sha.li be�oint and�e�eral.. Howe�rer, a�ny�rrower who co-s�gns�his Securit�Instrument but does na��cute�h�Na�e�a '�co-signer"}: �a} is ca�-signin.g this Security Instrument oxil.y to martgage, grant and con�ey the co-signer's interest in the Prop�rt�r u.nder the �erms of this S�cu�i,t��n,strumen�; �b}�s not personal.ly obx�gated to pay the sums secur�I b�r�us Security Lns�rument; and�c}agrees th,ax Lender and an.y other�rrower ca.n agree to ex�end, modify, forbear or�nake any ac�ommadations wi�h regard�a th��ern�s�f t�is S�curity Instrument or�Yi.e Nnte withaut the ca-sign�r's cansent. Subject�o�he provxsxons of Secti�n 1 S, any Successar in In�er�st of Borrower wha assum�s Borrower's oblrga�ions under�iis Secwr�.ty In.sfirument in wri�ing, and xs appro��by Lender, sha11 obtain a11 nf Barrawer's r�ghts and b�ne�ts under this Secwr�ity�nstrument. Bcarrower sha11 not b�re�eased from B�rrow�r's obligations and liabi�i�y under this 5�cwri.t�r Instrument unless Lender agrees to such reiease in vvriting. The ca�renants and agreemen�s�f�us Se�urity Ims�rument sha1�bind�except a�pro�r�d�d in 5ection �D}and benef t�a.e successors and assigns of L,ender. '14. Loan Gh�rges. Lender may charge�rrower fees far ser��ces perform�d in connection vv�.th Bvrrawer's default, for�.he pwrp�se of prat�tin.g Lender's in��rest in the Properry and rights uxxder this Securit� Instrument, including, but not�uxuted�o, at�orneys' fees, property�rispecti�n and�aluation fees. In regard tn any ather fees,�he absence of express authori.ty in this Security Instruxnent to charge a spe,cif�c fee�o Barrvwer sha�1 not be Canstrued as a proh�bition on the charg�ng af such fee. Lender m,a�not charge fees that ar�expressly prohibited by this Securxty Instrument or b�App�icab�e Lavv. Yf�he I.aan is sub��c��o a 1aw whi�h sets m�xximum Ioan charges, and that�aw is finally uiterpret�al so�hh.at the interest or other loan charges c.oll�c�ed or to be collected i.n eonne�txon wi.�h the Loan exceed the permitted.�imits, xhen: �a}any such loan charge shail�e redur.�d by�he amaunt necessary to reduce the charge to the perm.it�ed�imit; and(b} any sums already co�xected from Barrower vvhich e�.ce�d.ed permitted � �i.units wxll b�refunded to Borrower. Lender may�ho�se to make�hi.s refund by reducing�Yie pr�ncipal�wed und�r the Note ar by making a direct payment to Borrower. If a r�fun.d r�uces prir�.�ipa1, the reduc�inn wiil be treated as a par�iai prepayment without any prepayment charge�v�hether or not a prepayment charge xs provided for under the Note}. Borrovver's a.cc�ptari�e nf any such refund made by direct payment to B�arravver wil.I cons�xtute a wai.�er of any righ�nf actian�rrnwer might have arising vut of such overcharg�. 7 5. Notices. A�1 notices gi�en by B�arrower or Lender in connection wi�h�his Secur�ty Lns�rumen�must be�n writing. Any no�ice ta�rrower in connec��an wi�h thi.s Securi�in,s�rument sha1�be deemed to ha�e h�n gxven to Bc�rrov�er when maxled by firs�class m,ail or v�hen actu.ally deixvered�o Borrower's notice address if sen�by ather means. No��ce to an�ane Borrv�er sha��constitute notxce�a a��Borrvwers wn.less App�icable Law expressxy requi.res o�ierurise. The no�ice address sha.1l be�he Property Address unless Borro�ver ha.s N�BRASKA-Singfe Family-�annis Mael�reddia Mac L1NI�ORM INSTRUMENT Form 3Q28 1!01 VMP� VMPF{N�}�7 3�Zy.�O Walters Kluw�r Financial Servicas Page Z 7 of 17 ;