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201201198 12. Borrower Not Released; Forbearance By Lender Not a Waiver. ExCension of the time for payment or modification of a�nortization of the sums securecl by Chis SecuriCy InatrumenY granCed Uy Lender to Borrower ox nny Successor in Interest of Eorrowcr shall not operate to release the IinUility of Borrower or azry Suecessors in InteresC o�C Rorrower. Lender stiall not be requixed to conunence proceedings against any Succassor in TnCerest of Borrower or to xefuse to extend time for paymenf or otherwise tnodify amortizatlon of the sums secured by this Security Insh�ume�it Uy reason o'f any demand made �y the oxigiva] Borrower or any Successora in Interest of Brnrower. Any fo�bcarance by Lender in exercising niiy right or cen�cdy iucluding, widiout]imitation, Lender's accepCance of paymenCS From tliud persons, enCie3cs or Successois in Interest of Borrower or in amounts lass than the amount then due, sh211 �iot 6e a waiver of or preclude tlie exercise of any ri�;ht or remedy, 13, Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bnrrower covenrmts aud agrees that Borrower's obligatious and liability shall be joinC and several. However, any Borrower who eo-signs this Securiry Instrument but docs nol axecute the Note (a "casigner"): (a) is co-si��ing this Security InSt��ument only Co mortgage, grant and convey tl�e co-signer's interesC in the ProperYy tuider tl�e tcrms of this Security Instrument; (b) is not personally obligatcd Io pay the surns secured by this Seouriry Instrument; and (e) agrees that Lender and tmy ofhcr Borrower can agree to extevd, modif'y, t'c�rbcar or make any accommodnCions with regard to the terms of[his 3eourity Instrument ar tl�e Note wiChoul 6he co-signer's consent. Subject to fhe provisions of Section 18, any Successor in Interest of Bonower who assumes Aorrower's oUligations undec this Security lnslrument in wrifing, and is approved by Lender, shall obtain afl of Borrower's righCS and benePits under this Security Ivs[rnment. Borrower shall not be released from Borrower's obligations and liabiliCy under this Security I�ietrument unless Lender,agrees w such reletise in writing. The covenants and agaeements of this Secur3ly Instrument shall I�ind (except as piovidcd in Section 2d) and benefit the successors ttnd assigns of i,ender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection wilh Borrower's defnult, for[he purpose of protecting l,ender's interest in Ihe Property and rights undec tllis Seeurity Instreiment, 3ncluding, buE noC limited to, atCorneys' fees, propecty inspec;tion and valuatic�n Peea. In regard to any oChcr fees; Che absence of express authority in this Secc�rity Instrumenf Co charge a specific fee to Borrower shall not Ue coixstrued as a prohibition on tha charging ��f suah fee. Lendex may uot charge fees that are expressly prohibited by Chis Security Instrument or Uy Applicable Law. If the Loan is subject to a law which seCS maXimum loan charges, aud that law is finally inferpre�ed so UtaY the interest or otlier loaii chaegcs collected or Co be wllected in connection witli Che Loan exceed Ylie permit[ed limi[s, then; (a) any sucl� loan charge sha]] be eeduced b�y Cha amount necessflry to ceduce the charge Co Yhe permitted limit; tmd (b) �uiy eums already collected from Borrower wliicli exceeded permiCted limits will Ue vefunded to Borrowcc. Lender may choose Yo make this refund by reduc3ng t'he prineipal owed under the Note or by making a direct paymeut to IIorrower, If a cefund reduces principal, Che rednetion will bc treated as a partial prepayment without any prepayment chargc (whether or not a prepayment chairge is provided for under Ylie NoCe), Borrowei's acceptancc oC any such refund made by direct payment to Borrower will constifiute a waiver of any righC of action Borrower miglit have arising out of such overcharge. 15, Notir,es. All noYiees given by Barrower�or LendeT in conuection with this Security Instrume�it must bc in wriCing. Any notica to Borrower in connection with this Security Instiumen[sl�Rll be deemcd fo have been given to Boxrower when mailed by first class mail or when actually delivered to Borrower's notice address iF sent by other means. Nocicc to any one Borrower shall emistitute nofice to all Roerowers unless ApplicnUle Law expresely requires otherwise. The notice addrese shall be che Property Address unless Boxrower hxs 2400030� NEBRASI(A�Single Familyfannie MeelFreddi�Mae UNIFOHM INSTRUMFNT fortn 3028 ll01 VMP(y UMP6(NF.�11106� Woltere Kluwo�Flwnolal Sarvloas Poya 11 ot 1�