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201201859 12. Borrower Not Released; For6earance By Lender Not a Waiver. Extension of the tiine for payment or modificauon of aznortization of the sums securcd by ttus Security Instrument granted b}�Lendcr to Borrower or any Successor in Tnterest oP Borrower shall not operate to release the IiabIlity of Borrower or any Successors in Interest of Borrower. Lender shail not be required to coimnence proceedings against anp Successor in Inteaest of Bosower or to refuse to extend time for payment or o�crwuse modify vnortizatio�l of the sums secured by this Security Instrument by reason oP airy demand made by the original Barrower or auy Successory in Interest of Bonower. Any forbeazance by Lender in eYercising any right or remedy including, without lvnitarion, Lender's acceptance of payments £rom flrird peasons, entities or 5`�iccessoxs In Interest of Borrower or in ainounts less than the aznount flien due, shall not be a waiver of or preclude the exexcise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borro�ver covenants and agees that Boxrower's obligations uid liability shall be joint and several. However, any Borrower w'ho co-signs this Secwity Instt�ument but does not execu#e the Note(a"co-signer"): (a)is co-sio ing Ehis Security Instruxnent onlry to mortgage,- �ant and concey the co-slgner's interest in fhe Yroperty under the tern�s of this Security InstrumznT, (b) is not personally obligated to pay the sums secured.by this Security �unent; and(c) a�ees that Lender and any other$orxower can a�ee to extend, modify, forbear or make any accommodations vnth regard to the tcrms of this Security Insirument or the Note without the co-signer's consent. Subject to the provisions�of Section 18, any Successor in Interest of Borrower who asswnes Borrower's obligations under Ylvs Security Inshwnent in writing, and is approved by Lender, shall obtain all of Borrower's rights and beneffts under this Secmiry InstawnenL Borcower shall not be released from Bosower's obligations and Iiability under this SecLUity Instr�ument unless Lender agees to such release in wrtting. Zhe covenants and agrec,�nents of this Security Inshwnent shall bind(�c�t as provided in Section 20) and benefii the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in comiection wifh Borrower's default, f'or fhe purpose of protecling Lender's interest in the Property and rights under this Security Instrument, including, but not limited tq atfomeys' fees, properiy inspecrion and valuation fzes. In regard to any other fees, the absence of expr�s authority m this Security I�istrwnent to chazge a spec;ific fee to Borrower shall not be conshued as a prolubition on the chazging oF such fcc. Lender may not charae fees that are expressly prohibited by this Security Instrwnent or Uy Applicable Law. If the Loan is subject W a law wluch sets masnnum loan charges, usd ttiat law is finally interpxeted so that thc interest or other loan.chazges collected or to be collected in eonnection with the Loan exceed the pernritted limits, then: (a)ang such loan eharge sha11 be xeduced by the amounT necessary�to reduce the eharge to the permitted iimit; and(b) any smus akeady collected&om Borrowc*which exceedul permitted limits will be refundcd to Borrower. I,ender may choose to make this refund by reducing the principal owed under thc I�oie or by maldng a direct payment to Borrower. If a refund reduces principal, the reducrion will be treated as a partiai prcpayment without any prepa}�nent charge(�uhether ot not a prepayment charae is pro��ded for under the Note). Bonower's acceptance of any such reflmd made by direct paymenL to Borrower will consritute a waiver of any right of acrion Borrower might have arising out of such overchazge. 15. Notices. All noticcs given by Borrower or Lender in connection v✓ith tliis Security Inshwnent must tie in writing_ Any nofice to Borrower in connection with this Secur3ty Instnuncnt sUall be deemed to have been �.ven fo'Boirower when mailed by fust class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Bonower sha11 constihtte nofice to all Borrowers unless Applicahle Law expressly requires ofli°rc�ise. The nofice atldress shall be the Propeaty f�ddress chiless Borrower l�s 25000554 NFBR4SKA-Single Family-Fannie Mae/Fredtlie Nac ONIFORM INSTRUM ENT Form 3028 1101 VMP� VMP6(NEl(1105J . b'Jalters Kluw er Financial$ervlces Page.f 1 of i]