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2Q1201175 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Bonower or any 5uccessor in Interest of Bonower shall not operate to release the liability of Bonower or any Successors in Interest of Bonower. Lender shall not be required to commence proceedings against any Successor in Interest of �rrower or to re�use to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Bonower 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, entities 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. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bonower covenants and agrees tl�at Bonower's obligations and liability shall be joint and several. However, any Bonower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this �curity Instrument; (b) is not personally obligated to pay the sums s�ured by this Security Instrument; and (c) agrees that Lender and any other Bonower can agree to extend, modify, forbear or make any accommodations 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 Borrower who assumes Bonower's obligations under this Security Instivment in writing, and is approved by Lender, shall obtain all of Bonower's rights and benefits under this Security Instivment. Borrower shall not be released from Bonower's obligarions and liability under this Security Instrument unless Lender agre,es to such release in writing. The covenants and agreements of ttus S�urity Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of I.ender. 14. Loan Charges. Lender may charge Borrower fe,es for servic.es performed in connection with 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' f�s, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this 5ecurity Instnunent to charge a sp�ific fee to Bonower shall not be construed as a prohibition on the charging of such f�. Lender may not charge fees that aze 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 interpretefl so that the interest or other loan chazges collected or to be collected in conn�tion with the Loan exce�d the permitted 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 Bonower which exceeded permitted 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 reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Bonower's acceptance of any such refund made by dir�t payment to Bonower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Bonower or Lender in connection with this 5ecurity Instrument must be in writing. Any norice to Bonower in conn�tion with this Security Instrument shall be deemed to have be�n given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Bonowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Bonower has IdEBRASKA-Single Family-Fannie MaelFreddte Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP � VMPB(NE) (1106) Woltere Kluwer Financiel Services Page 11 of 17 k '