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� 201200389 12. Borrower Not Released; Forbearance By Lender Not a Waiver. F�tension of the time for payment or modification of asnorrization of the sums secured by this Security Instrument granted by Lendc r to Borrowex or any Successor in Iaterest of Bonower shall not operatz to release the liability oY Borrower or any Successors in Interest of Borrower. Lender st�all not be required to commence proceed'uigs against any Successor ia lnterest of Borrower or to refuse to �tend time for payment or otherwise modify amortization of the sums secured by trus SecLUity Insirument by reason of any demand made by the original Borrower ar any Successois in Interest of Borrower. Any forUearance by Lender in exercising any right or remedy including, without limitation, I,ender's acceptance of payments from third persons, entitles or Successors in Interest of Bonower ox in unounts less than the amount then due, shall not be a waiva of or preclude the exercise of any right or remedy. 73. Joint and Several LiabilRy; Co-signers; Successors and Assigns Bound. Bono��er covenants and agrces that Borrower s obligations and liabilily shall be joint and several. However, any Borrower who co-signs this Security Instnunent but does not eYecute the Note(a"co-signer"): (a) is co-signing this ' Security Instrument only to mortgige, Erant and concey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obfigated to pay the aums secured by this Security Instrument; and(c) agees that Lender and any other Borxower can agrec to extend, modify, forbear or make any accoinmodaTions with regard to the tens�s of this Security Instrument or the Note without the co-siener's consent. Subject to the provisions of Secrion 18, any Successor in Interest of Borrower who assumes Borrowar's obligarions under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benehts under this Sectuity Tnshwnent. Borrower shall not be released&om Borrower's obligations and liability under this Security Instrmnent wiless Lender agees to such relcase in �vriting. The covenants and ageements of this Security Instnwient sFiall Uind(except as provided.in Secrion 20) and benefit thc successors and assigns of Lender. 14. Loan Charges. Lender may charge Sorrowet fees for services performed in connection with Borrower's default, for flie purpose of protec#ing Lender's interest in the Property and riehts undcr fliis Security Instrument, including; but not limited to, attorneys' fees, property inspecuon and valuation Pees. In regard to any other fees, the absence of express authority in flus Securih=Instnament to charge a specific fee to Boaower shall not bc construed as a prohibirion on the charging of such fee. Lender may not chazge fees that are expressly prohibited by this Security Instrument or by Applicable La�v. If the Loan is subject to a lav✓which sets maximum loan charges, aud that law is finally interpreted so tl�at the interest or other loaa charges collected or to be collected in eonnection with the Loan esceed the pernutted limits, thenc (a) any such loan chazge shall be reduced by the amount neeessary to ieduce the charge to the permitted limit; and(b) any smns already collected from t3orro�ver�vhich exceeded permitted limits will be iefunded to Barrower. Leaider may choose to make this re£und bq ieducing the principal owed under the Notc or by making a d'uect payment to Bosowzr. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge(wlicther or not a prepayment charge is provided.Por undcr the Note). Borrower's acceptance of ury such refimd ma.de hy d'uect payment to Borrower will constitute a��aiver oP any right of action Borrower might haac arising out of such overcharge. 15. Notiees. All notices given by Borrower or Lender ia connection with this Secivity Instnunent must be in uniting. Any nofice to Borro�ex in connecfion widi this Securlty Instnunent shall be deemed to bave been given to Borrower when�uailed by fust class mail or whe�i actually delivered to Borroti�er's notice address if sent by other means. Norice to any one Borrower shall constitute notice to a11 Borrowers unless Applicable Iaw expressly requires otherwise. The notice adciress shall be the Propesty Address unless Borroiver has za0000so NEBRASKASingle Fzmily-Fannle Mae/Retldie PAac UMFORM INSTRl1MENT Fofm 3028 il�i �"�P� VbIP6(NE)(1105) Woltxrs Kluwer Financisl Services Page 11 af t]