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201200927 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for paymen2 or modifica[ion of amortization of the sums secured hy this Security Iastrument granted by Lender to Bormwer or any S�ccessor in Interest of Borrower shall not opera[e to release the liability of Borrower or any Successors in Interes[of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Bonowe�or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Ins[rument by reason of any demand made by the original Borrower or a�y Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limi[ation, Lender's acceptauce of payments from[hird petsons, entities or Successors in Interest of Borrower or in amounts less than the aznount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Bonower's obligadons and liability shall be joint and several. However, any Borrower who co-signs this Securiry Instrument but does not execute the Note(a "co-signer"): (a) is co-signing tlus Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the tenns of this Securiry Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees tha[ Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the[erms of this Security Instnunent or the Note without the co-signer's wnsent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes BottowePs obligations under this Sec�rity Instrument in writing, and is approved by Lender, shall obtain all of Bonowcr's rights and benefits under this Security Instrument. Borrower shall no[be released from Borruwer's obligations and liabiliry u�der this Security Instrument wiless Lender agrees to such release in writing. The covenants and agreements of this Securiry Instrument shall bind (except as provided in Section 20) and beneFit the successors and assigns of Lender. 74. Laan Charges. Lender may chazge Horrower fees for services performed in connection with Borrower's default, for the purpose of protecdng Lender's interest in the Property and rights under this Security Instrument, including, 6u[not limited to, attomeys' fees, property inspection and valuation fees. In regard to any other fces, t6e absence of express authority in this Security Instnunent to charge a specific fee to Borruwer shall not be wnstrued as a prohibition on the charging of such fee. Lender may not charge fees that are expressly pro6ibited by this Security Instrument or by Applicable Law. ]f the Loan is subjeet [o a law which sets maacimum loan charges, and that law is finally inCerpre[ed so that the interest or other loan charges collected or to 6e wllected in connection wi[h the I.oan exceed the pernvtted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the pernutted limit; and(b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. L.ender may choose to make this refund by reducing the principal owed ❑nder the Note or by making a direct payment to Borrower. If a refund reduces principal, [he reduction will be trea[ed as a partial prepayment without any prepayment charge(whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will cons[itute a waiver of any right of action Borrower migh[have arising out of such overcharge. 7 5. Notices. All notices given by Borrower or I,ender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Ins[rument shall be deemed to have been given to Borrower when mailed by first class mail or when acmally delivered to Borrower's notice address if sent by o[her means. No[ice to any one Borrower shall constirute notice to all Borrowers unless Applica6le Law expressly requires o[herwise. The notice address shall be the Property Address unless Borrower has NEBFASKA-Si�le Family-Fannie Mae/Freddie Mac UNIFORM INSTqUMEM Form 3028 1101 VMP�H VMP6INE�(11051.00 Wolters Kluwcr Financial Serviws Page 11 of 1]