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�0�20i42� 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums s�ured by this Security Instrument 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 proceeflings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this S�uriry Instrument by reason of any demand made by the original Bonower or any Successors in Interest of Bonower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, enrities or Successors in Interest of Bonower 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. Joiat and Severat Li�bility; Co-signers: Successors and Assigns Bound. Bonower covenants and aga�s ihat Borrower's obligations and lia� shall be joint and several. However, any Borrower who �-�gns thas Seca�rity Instrument but does �i ex�acute 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 Properly under the terms of tlus Se�urity Instrument; (b) is nat �nally obligated to pay the sums se�ured by this S�rity Instrument; and (c) agrces that L�nder and any other Borrower can agr� to extend, modify, forbear crr make any accommoflations 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 S�urity Instzument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instnunent. Borrower shall not be released from Borrower's obligations and liability under this Security Insttument unless Lender agress to such release in writing. The covenants and agreements of this S�urity Instrument shall bind (except as provided in Se�tion 20) and benefit the successors and assigns of Lender. 14. Loan Charg�s. Lender may charge Borrower fees for services performed in conne�tion �vith Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys' fees, property inspactiou and valuation f�s. In regard to any other fces, the absence of express authority in this Security Instnament w charge a spe�ific fe� to Borrower shall not be constnted as a prohibition on the charging of such fee. I.ender may not charge fees that are expressly prohibited by this Security 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 chazges collected or to be coll�ted in conn�tion with the Loan exceed the pemritted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal o�ve� under the Note or by making a dir�t payanent to Bonower. If a refund reduces principal, the redudion will be treatefl as a pazriai prepaymern wi�out any pre}�ayment chazge (whether or not a prepayment chazge is provided for under the Note). Bonowe.c's �ce of any such refund made by dir�t payment to Bc�crower wa71Il aor�tita�te a waiver of any � a� a�cxion Bortower might have arising out of such overcharge. 15. 111otices. Ali notices given by Bonower or �.ender in conn�tion with tlus S�urity Instrument must be in writing. Any notice to Borrower in connection with this S�urity Instrument shall be d�med to have been given to Borrower �vhen maile� by first class mail or when actually delivered to Borrower's norice addr�s if sent by other means. Notice to any one Bonower shall constitute norice to all Borrowers unless Applicable Iaw expressly requires otherwise. The norice address shall be the Property Address unless Bonower has NEBRASKA-Single Family-Fannie Mae/Freddfe Mac UNIFORM INSTRUMEM Form 3028 1/01 VMP Q VMP8INE) (1106) Wolters Kluwer Financial Services Pege 11 of 17