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��01284 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 Successor in Interest of Borrower shall not operate to release the liability of Bonower or any Successors in Interest of Borrower. Lender shall not be required to commence procsedings against atty 5uccessor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instnunent by reason of any demand made by the original Borrower 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, enriries 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. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this S�urity Instrument only to mortgage, grant and convey the co-signer's interest in the Properiy under the terms of this Se�urity Instrument; (b) is not personally obligated to pay the svms s�ured by this S�urity Instrument; and (c) agr�s that Lender and any other Borrower 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 Bonower who assumes Borrower's obligations under this Security Instnunent in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this S�urity Instrument. Bonower shall not be releasefl from Borrower's obligarions and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agrcements of this Security Instrument shall bind (except as provided in Se�rion 20) and benefit the successors and assigns of Lender. 14. Loan Charges. L�nder may chazge Borrower fees for services performed in conn�rion with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under tlus S�urity Instrument, including, but not limited to, attomeys' fees, property inspe,crion and valuarion fces. In regard to any other fees, the absence of express authority in this S�urity Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that aze expressly prohibited by this Security Instivment or by Applicable Law. If the Loan is subject to a law which sets maximum loan chazges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in conne�tion with the Loan exceed the permitted limits, then: (a) any such loan charge shall be rerluced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded germitted 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 dir�t payment to Borrower. If a refund reducas principal, the reduction �vill be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provide� for under the Note). Bonower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Bonower might have atising out of such overchazge. 7 5. Notices. All notices given by Bonower or Lender in conn�rion with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instnunent shall be deemed to have been given to Borrower when mailed by first class mail or when actually deliverefl to Bonower's notice address if sent by other means. Notice to any one Bonower shall constitute notice to all Bonowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Flnencial Services Form 3028 1 /01 VMPB(NE) (1105) Page 1 i of 17