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2��Qp�� 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modificarion of amortizarion of the sums secured by this S�urity Instrument granted by Lender to Bonower or any Successor in Interest of Borrower 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 othervvise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original �rrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entiries 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. Bonower covenants and agrces that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not ex�ute the Note (a "co-signer"): (a) is co-signing this Se�urity Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this S�urity 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 agr� to extend, modify, forbear or make any accommodations with regazd to the terms of this S�urity Instrument or the Note without the w-signer's consent. Subject to the provisions of S�tion 18, any Successor in Interest of Bonower who assumes Bonower's obligations under tlus S�urity Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Bonower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agre.ements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Bonower f�s for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this S�urity Instrument, including, but not limite� to, attorneys' f�s, 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 Bonower shall not be construed as a prohibition on the charging of such fc�. Lender may not charge fees that are 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 interpreted so that the interest or other loan charges coll�ted or to be collected in conne�tion with the Loan excee� the permitterl limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the chazge to the permitted limit; and (b) any sums already collecterl from Borrower which exc,eeded pernutted limits will be refunded to Bonower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Bonower. If a refund reflu� principal, the r�ion will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment c�arge is provided for under the Note). Bonower's ac.ceptance of any such refund made by direct payment to Bonower will consritute a waiver of any right of action Bonower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instnunent must be in writing. Any notice to Bonower in conn�tion with this Security Instrument shall be deemed to have been given to Bonower when mailed by first class mail or when actually delivered to Borrower's norice address if sent by other means. Norice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The norice address shall be the Property Address unless Bonower has NEBRASKA-S(ngle Family-Fannie MeelFreddie Mac UNIFORM INSTRUMENT Form 3028 1/Ot VMP Q VMPBfNE) (1105) Wolters Kluwer Ffnandal Services Page 11 of 17