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2oiooo7si acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Leader's judgment, precludes forfeiture of the Property or other material unpairment of Lender's interest in the Property ar rights under this Security Instrument, The proceeds of any award or claim fax damages that. are attributable to the impairment. of Lender's interest in the .Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied. to restaratian ar repair of the Property shall be applied in the order prodded far in Section 2. 12, Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or rnadification of amortization of the sums secured by this Security lnstrument granted by Lender to Harrower ar any Successor in interest of Borrower shall not operate to release the liability of Borrower ar any Successors to Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Harrower or to refuse to extend time far payment or otherwise txiodify amortization of the. sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successsars in Interest of Borrower. Any forbearance by Lender in exercising any right ar remedy including, without limitation, Lender's acceptance of payments fratrt third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Bonawer who ca-signs this Security Instrument but does not execute the Note (a "co-signer"}: (a) is co-signing this Security Instrument only to mortgage, grant and convey the ca-signer's interest in the Property under the textns of this Security Instrument; (b) is oat personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the ca-signer's consent, Subject to the provisions of Section 1$, any Successor in Interest of Borrower who assumes Harrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain alt of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The eoaenants and agreements of this Security instrument shall bind (except as provided in Section ZO) and benefit tlae successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees fox services performed in cannectian with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but oat limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific Fee to Borrower shall oat be construed as a prohibition on the charging of such fee. bender may not charge fees that are expressly prohibited by this 5ecttrity Instrument or by Applicable Law. If the Laan is subject to a law which sets maximum loan charges, and that law is finally interpreted sa that the interest ar other loan charges collected ar to be collected in connection with the Laan exceed the permitted limits, then, (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the perrrtitted limit; and (b) any sums already collected from Harrower which exceeded permitted limits will be refunded to Harrower. Lender may choose to make this refund by reducing the principal awed under the Nate ar by making a direct payment to Borrower, If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or oat a prepayment charge is provided far under the Nate)- Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Barrawer ar Lender in connection with this Security Instrument must be in writing. Any notice to Barrawer in connection with this Security Instrument shall be deemed to have been given to Harrower when mailed by first class txtail or when actually delivered to Borrower's notice address if sent by other means. Native to any one Barrawer shall constitute notice to all Harrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Barrawer shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure far reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. ~NE~ByRASKA -Single Family _ Fannie MaelFreddie Mao UNIFORM tNS'rRUMEN7 ~JYIr -~{NEl (081 1 i Page 10 pt t 5 InitialB: Form 3tl28 1 lU 1