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201200798 12. Borrower Not Released; Forbearance By Lender Not a Waiver, L�xtension of the [ime for payment or modification of amartizaCion oP[he sums secured by tliis Security Instrament grantecl by Lender Co Borrower or any Successor in Interest of Borrower sliall vot operate to release the IiabiliCy of Borrower or any Successors in Interest of Borrower. Lender shall not Ue requircd to commence proceedings against any Successor in Interest of Borrower or to ref'use to extcnd time for payment or oClierwise inadify amortizlti�n of the sums secured Uy this Security Instrument by ieason of any demand mnde Uy the original Boirower or any Successo��s in Interest of Borrower. Aoy fnrbearanee by Lendec in exercisiiig any right or remedy including, wiChouC limitation, L.ender's acceptance of payments from third persons, entilies or Succeceors in Interest of Borrower or in amounts less thav the amount then due, shall not be a waiver of or pxeclude the exercise of aiiy right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covcnanCs and agrees that Borrower's obligaCions and IiabiliCy ehall be joint and several. Howevcr, auy Borrower who co-si�ns lhis Secuciry Insu�amenC but does not execute the NoCe (a "co-signer"): (a) is co-signing Cliis Security Inskrument ouly Yo mortgage, gra�t and convey thc co-signer's interest In the Propeity under the terms of this Security Instxumei�t; (b) is not pcxsonally obligated to pag the�sums seeured l�y this Security Listcument; .md (c) agrees that Lender a�id any ocher�orrower can agree to extend, modify, forUear or make any xccommodations with regard to the term4 oP tliis Security InstrumenC or the Note without the co-signer's consent. SubjccC fo fhe provisious of Section 18, any Successox in Iilterast of Borrowex who assumes Borrower's obligadons under this SecuriCy Instrwnent in wrifing, and is appcoved by Lender, shall obtain al] of Borrower's riglits and benefits under this Security Instxument. Borrower shaU noY be relelsed from Borrower's oUligations and liability under this Sccurily InstcumenC unless I,ender agrees to sucli release in writing. The cove�ailts aiid agroemenCS oP this Sepurity Instrument sl�all bind (except as providcd in Sect3on 20) and beuefit the succcssors and assigns of Lender, 74. Loan Charges. Lender may chargc Borrower fees for services performed in connection with Borrower's default, for the puiposc of pmCecUng Lendar's interest in tlie Property and rigkts under Chis Security InsfrumenC, including, but not IimiCed to, attorueys' fees, property inspecCion and valuation fees. In regatd to any aClier Pees, tlie absence of express zuthority in this Securiry Instrument tn charge a specific fee to Borrower shall not be consCtued as a prohihition on Che charging of such fee. Lendcr may not charge fees that are expressly prohibi[ed by this Secnrity Instiument or by Applicable Law. If the Loan is subjecC to a law which sets maximum loan clifixges, and that law is 'finally Interpreted so Chat the interest or other loan charges collected or to be collected in connecCion with the Loau exeeed the permitYed limits, then: (a) any such loan ohargo shall be reduced by Che amounY necessaiy to reduce tl�e cl��rga to the pecmirted liniit; and (b) any sums already eolleeted from Borcower wli3cl� exceeded peririilled llrnits will bc refundcd Co Horrower. Lender inay ehoose to make this refund by reclucing Cho princlpal owed uuder the Note or by makiiig a direce paymenC to Borrower, If a refuncl xcduces principal, the redueeion wil] be treated as a partial prepnyment without airy prepaymenC charga (whether or not a prepayment cl�arge 3s provided for under tl�e Note). Borrower's accepCance of any sueh refund made by direct paymeiit to Borrower will consCituCC a waivee of any righC of action Borrower might have arising out o'f such overcharge, 15. Notices. All notices given by Borrower or Lender in connection with tl�is Security Instrument musC be in writing. Any notice Co }3orrower iii connection w�iCh this Secucity Instruinent shall be deemad to have been given W Rorrower when mailed by firsY class mail�or wheii actually delivered to Rorrower's notipe addrass it' sent by other rneans. Notice to any one Bor[ower shall constilule noCice to all Bonrowers nnless Applicable Law expressly requires otl�erwise. The notice address shall be the Pmperty Address unless Borrower l�as 24000158 NEBFA3KA-Single Family-Fernle Mee/FreAdle Mac UNIFORM INSTRUMMT Gorm 30261l01 VMP O VMP6ME411106� Wol[ers Kluwer Flnanclal Sen�ices Pepe 11 of 1]