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2� 1 ��2539 '1�. Barraw�r Not Released; �orbearance By Lender Not a Vlla�ver. Ext�ns�on of�he time f�r paym�nt ar modif�cat�on of amor�izat�an of�he sums secured by this S�cur��r �nstrumenfi granted by Lender�o Borro�ver or any Successor�n�n�erest of Borrower sha�l not opera�e�a re�eas��he lzabil�ty�f��rrower or an� Successors �n�n�eres�of Borr�wer, Lender sha��not be required�o��mmenc�proceedings against any �uccessar in�nterest af B�rrower ar to refuse�o ex�end t�me far payment��r atherv�ris�modify amor�i2ati�n of�he sums s�cured by this 5e�uri�y�ns�rum.ent�y reason of any demand made by�he ariginal Barrawer�r any �u��ssars in�nteres�of Borro�ver. An� forbearan��by L�nder�n e�er�is�n� an�righ�ar remedy inc�ud�ng, w�thou�1�mi�at��n, L�nder's acceptance of payments from third persanss en��ies ar Successors �n In�erest of Borro�ver or in amounts le�s than�he amount then due, sha��nat be a wa�ver�f or preclud� �he e�.ercis�of an�right or reme�.y. �3. Ja�nt and Se�era� Liah��ty; Co-signers; SuG�e�sars and Assigns Bvund. Borro�er�ovenan�s and agr�es tha�Borr�wer's obliga��ons and 1�abil�ty shall be jo�n�and se�eral. Howe�er, any Borro�er who co-signs�his Securit�r Yns�rumen�but does not ex�cu�e�he No��a 'tc�--signer"}: �a} is co-s�gning th�s Securi�y �ns�rumen�only�o mor�gage, gran�and con�e��he co-sign�r's in�eres��n�he Proper�y under�he ��rms of this Secur�ty�nstrument; �� s no�personally ob�iga�ed��pay the sums secured by�his S�curi�y Ins�rumen�; and�c} agrees�ha�L�nder and an�o�her Barrower can agree tfl e�tend, mod�f�, for�ear or�nake any accommoda�ions v�ith regard ta the�erms of�his 5e�uri�.y In�trument or�he Note vv�thou�the�o-signer's consen�. Sub,ject to the pro�r�sxons of Se��ion �8, an� Successor in Interest�f Barrawer wh� assumes Barra�ver's obliga�ions under�h�s Se�urit�Instrumen�in wrzting, and is appro�ed�y Lender, sha�� obtain a11 flf Borrawer's rights and benef��s under this Secur�ty Znstrument. Borrawer sha1�nat be re��ased frorn B�rr�wer's ab�iga�ions and��ab��ty und�r this Security �ns�rument unl�ss Lender agrees to such r��ease in wri�ing. The c�venan�s and agreements�f�h�s Securi�y Ins�rument shall bind�excep�as pro�ided in Se��on ��} and benef�t th� suc�essors and a�signs of Lend�r. �4. Laan Charges. Lender may Gharge Borrower fees f�r se�-�v�c�s performed in cflr�r�e�t�on w��h Borrower's default, for the purpose of protec�ing Lender's in�erest in�h�Proper�y and rights under�his 5ecur�ty Instrumen�, including, bu�not limited to, attarneys' fees, pro�er�y inspectian and va�ua�xon f�es. �n regard�o any ather fees, the a�sence of express au�hari�y in th�s S�cur�t� Ins�rument to charge a spec�f�c fee�a B�rrower shal�not�e construed as a pr�hibit�on on the charg�ng of suc�fee. Lender ma�no�charge fees �ha�are express��r prah�b��ed�y�h�s 5ecurity �nstrument or�y App�ica��La�v. If the Loan is subj�c��o a Iaw whi�h se�s maximum�oar�charges, and tha�lav� is �na��y �nterpre��d so �hat th�interest or other loan charges��lec�ed or�o be co��ect�d in can�e�t�on with�h�Laan exceed�he permi��ed ��mits, then: �a} any such Iaan charge shall�e reduc�d l�y th�am.oun�necessary�fl reduc�the charge�o�he perm�.��ed�im�t; and �b} ar�y sums a�ready co��ec�ed from B�rrower which exceeded pern�itted ��m��s wi�l�e refunded�o Borrow�r. Lender may chQos�to make�h�s refund by reducing the princ�pa� owed under�he Nate ar by n�ak�ng a direct payment to Borrower. If a refund reduces pr�nc�pa�, the reduc��on wi�1 be�reated as a par�ial prepaymen�wi�h�ut any prepayment charge(whe��.er or not a prepaym�n�charge is pro�ided for under�he Nate}. B�rrower`s accep�ance of any such refund made by direct paymen�to Borr�wer w�ll�ons�itu�e a waxver of any right of act�on Borr�wer might ha�e ar�s�ng ou�of such o�ercharge. �5. Notices. A��no��ces g��en�y Borrower or Lender in connec�ion vv�th this Se�urity�nstrumen�mu��be in v�ri��ng. Any not�ce�a Borrov�er in conn�ct��n with�his S�curi�y �nstrument sha�� e deemed to have b�en gi�en�a B�rrower when�nai�ed by first��ass ma�l or�vhen actuall�de��vered�o Borrflwer's notice address if sent by oth�r means. No�ice to any ane Bo�-rov�er sha�� nstitu��natice ta all Barr�wers un�ess Applicabie Law expressly requires otherwise. The notic�address shal�be the Praper�y Address unless Borrovver has NE6RA5KA-Single Family-�annie MaelFreddie Mac UN[FQRM lNSTRtJM�NT �arm 3428 1 t�1 VMP[� VMP6�NE)f�302} Walters Kluwer Financial Ser�ices Page 1 1 af i 7