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2Q120Q5�� 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Insm�ment granted by Lender to Borrower or any Successor in Interest of Bonower shall not operate to release the liability of Bonower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest. of Bonower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by ttus Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acczptance of payments from 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 pr�lude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agr�s that Borrower's obligarions and liability shall be joint and several. However, any Bonower who co-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 co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agr�s that Lender and any other Bonower can agree to extend, modify, forhear or make any accommodations with regazd to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Bonower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instnunent. Bonower shall not be releasefl from Borrower's obligations and liability under tlus Security Instrument unless Lender agrees to such release in writing. The covenants and agr�ments of this Security Instivment shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may chazge Bonower fees for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property insp�tion and valuation fees. In regazd to any other fees, the absence of express authority in this Security Insm�ment to chazge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not chazge fees that aze expressly prohibited by this S�urity Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpretefl so that the interest or other loan charges collected or to be collected in conn�tion with the Loan exceed the permitte� limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already coll�ted from Bonower which exceeded permitted . limits will be refunded to Bonower. Lender may choose to make this refund by reducing the principal owed under the Note or by making � direct payment to Bonower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Bonower's acceptance of any such refund made by direct payment to Bonower will constitute a waiver of any right of action Bonower might have arising out of such overcharge. 15. Notices. All notices given by Bonower or Lender in connection with this Security Instrument must be in writing. Any norice to Bonower in conne�tion with this Security Instrument shall be deemed to have be�n given to Borrower when mailed by first class mail or when actually delivered to Bonower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable I.aw expressly requires otherwise. The notice address shall be the Property Address unless Borrower has NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 7/01 VMP � VMPBINE) (1106) Wokers Kluwer Financial Serv(ces Page 11 of 17 I tl