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201200170 12. Borrower Not Released; Forbearance By Lender Not a Waiver. �xtension of the ti�ne for p�yinent or inodific�tion of ainortization of the sttil�s secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liaUility of Borrower or any Successors in Interest of Borrower, Lender shall not Ue requirecl to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otlierwise moclify amortization of the stuns secured Uy this Security Instrument by reason of any deinand made by the original Borrower or any Successors in Interest of Borrower. Any forUearai�ce by Lender in exercising any right or reinedy including, without limitation, Lender's acceptance of payments from 1liird persons, entities or Succsss�rs in Interest of Borrower or in aiilounts less than the ainount tihen due, shall not be a waiver of or preclude the exercise of any right or reinedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower coven�nts ai�d agrees thati Borrower's ovligations and liaUility shall be joiiit and sevexal. IIowever, any Borrower who co-signs this Security Iilstrument but does not execute the Note(a"co-signer"): (a) is co-signin�this Security Instruinent only to mortgage, grant and convey the casigizer's interest in t11e Pioperty under tlie terins of this Security Instrument; (b) is not personally o�ligated to pay the sums secured Uy this Security Instrument; aTie1(a) �grees that Leiider and any other Borrower can agree to extend, modify, forbear ox malce �ny accoiruilodations with regard to the terms of this Security Instruinent or the Note without the co-signer's consent. SuUject to the�rovisions of Section 18, any Successor in Interest oF Borrower who assumes Borrower's obligations under this Secw•ity Instrutnent in writitig, and is approved by Lender, shall obtain all of Boi•rower's rights and benefits uncler this Security Instrument. Borrower shall not be released fronz Borrower's obligations and liability u�lcler this Security Instrument unless Lender agrees to suc1�release in writiilg. The covenants �nd agreements of this Security Instrumeiit sliall Uiiid(except as provided it1 Section 20) and benefit the successors and assigns oFLender. 14. Loan Charges. Lender iilay cllarge Borrower fees for services performed in connection with Borrower's default, for the purpose of protectiiig Lender's interest in the Property and rights under this Security Ii7struinent, inclucling, Uut not liinited to, �ttorneys' fees, property inspection�nd vahlation fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a speciFic fee tio Borrower shall not be constirued as a prohibition on the charging of such fee. Lencier may not charge fees that are expressly prohibited by this Security Instrument or by ApplicaUle Law, IF the Loan is sul�ject to a law which sets�naximum loan charges, and tl7at law is �nally iiiterpretied so that the interest or other loan charges collectieci or to Ue collected in connection with tlie Loau exceed the permitted limits, then: (a) 1ny such loan charge shall be reduced by the amount necessaiy to reduce the ckarge to the permitted liinit; and(b) any sums already collected From Borrower which exceeded permitted linuts will l�e refunded to Borrower. Lender may choose to malce this r�1'und by reducing tlYe prineipal owed under the Note or Uy inalciilg a clirect payinent to Borrower. If a refund reduces principal, the reductioii wi11 Ue treated as�j�artial prepayment witliout any prepayi�nent cl7arge(whethar or noti�prepay�n�nt ehaige is provided for under the Note). Borrower's lcceptance of�tny such refund mlde by direct payment to Borrower wi11 oo��stitute a vvaiver of a�1y right of�ction Bori•ower might have axising out of such overcharge, 15. Notiees. All notices given by Borrower or Lender in connection with this Security Instrument must Ue in writing. Any iiotice to Borrower in connection with fhis Security Inst�lune�lt sha11 be deemed to have beeii given to Borrower when inailecl by first class mail or when actually delivered to Borrow�r's notice address if sent by other ineans. Notice to any one Borrower sha11 constitute notice to all Borrowers unle�s Applicable I�aw expressly rec�uires otherwise. The notice address shall be the Property Address ui�.less Borrower lias 24000026 NEBRASKA-Single Fam ily-Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT Form 3028 1/01 VM P OO VM P6(NE)(1105) Wolters Kluwer Financlal Servlces Page T1 of 17