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201201013 12. Borrower Nof Released; Forbearance By Lender Not a Waiver. F�tension of the time for payment or modification of amortuation of the sums secured by this Security InstrumenY grantecl by Lender to Borrowzr or any Successor in Interest of Bonower shall not opzrate to release the liability of Borrower or anv Successors in Interest of Borroc�,�er. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend tune for payment or otherwise modify amcntization of the sums secured by rhis Seeurity Instrumznt by reason of any dernand made by the original Boaower or any Successors in Interzst of Borrower. Any forbearance by Lender m exercisina any right or remedy including, wifhout Iimitation, Lender's acceptance of paymznts from tlurd persons, entities or Successors in Interest of Borrower or in amouncs less than the amount thea due, shall not be a a°aiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenanis and agrees that Borrowei s oblieations and liability shall be joint and several. Ho�ever, any Borrower who co-siens this Security Instnmient Uut daes not execute the Nore(a"co-signer"): (a) is co-siPning this Security Instrument onhr to mortLage, �ant and co�vey the co-signer's interest in the Property under the terrs�s of this Security I�istnunent; (b) Ls not personally obligated To pap the suans secuied by this Security Instrument; and(c)agrees that Lender and any other Borrower can a�ce to extend, modify, forbear or makc any accommodations with regazd to the tenns of this Security Insh-anzeut or the Note without the co-sig}ier's consent Subjeet to the provisions of Section 18, any Successar in Interesi of Barrower who ass�nes Sortower'� obligatio:is under flus Security Instrument in writing and is approced by Lender, shall obCain all of Bosower's riglzts and benefits under this Security Instnnnent. Borcower shall not be released from Borrower's obligarions and liabilitv under this Security Instrumznt unlzss Lender agees to such release in writing, The covenants and agreements 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 Borrower fe�s for services performcd in connection with Borrower's defai�lt; for the purpose of protecting Lender s interzst in the Property and r'�hts under this Security Instnunent; including, but not limited to, attorneys' fees, property inspection and valuarion fee�. In re�ard to any other fees, the absence oF expr�s authoritv in this Securiry In�trument to charge a specific fee to Barrower shall not be construed as a prohibition on the charguig of such fee. Lender may not charge fees that are zxpressly prohibited by this Securitv Instrument or by Applicable Law. If ffie Loan is subj ect to a law wkuch sets maxixicum loan charges, and that aw is finally int�rprefed so that the interesY or other loan chasnes colleetad or to be collected In connection with the Loan exceed the permitted liauts, then: (a) any such loan charge shall be reduced by the amount nece�sary tn reduce the chazge to the permitted limit; and(b) any sums already collected from Borrower which exceeded permitCed limits will be ref�nded to Borrower. Lzpder may choose to make this refund by reducing the principai owed tmder the Note or by making a direct payment to Borxower. If a refund reducea pxincapal, the reduction will be treated as a paztial prepayment widiout any prepayment charge(whether or not a prepayment cl�zrge is provided for under the Note). Borrower's accept�ce of any such refund made by direct payment to BOrrower will conshitute a waiver of any right of action Boirower inight have azising out of auch overcl�azge. � 15. NotiCes. All norices�ven by Borrow-er or Lender in cannecrian w7rh this SecurlYy Instrument must be in writing. Any notice to Borrower iu connecCion with this Security Instrument shall be deemed to have been given to Bairower when mailed by firt class mail or when actually delivered to Borrower's notice address if sent by okher means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly require;otlierwise. The notice address shall be the Property Address unless Borrower has zaoeozao N�RASKA-Slpgle FemityFennle M zslFrede+ie M ac 11NIF0,2M INSTRUM ENT Form 3028 1/�i VMP Q VM PE(IV�(1 t05) Wofte�s%luwer Pinaocizl Services Page 1 of i]