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�0�2019�� 12. Borrawer Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Securiry Instrument grantefl by Lender to Bonower or any Successor in Interest of Bonower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums securefl by this Security Instrument by reason of any demand made by the original Borrower 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, enriries or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or pre�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 Se�urity 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 5ecurity InstYVment; (b) is not personally obligated to pay the sums secured by this Security Insnvment; and (c) agrees tliat Lender and any other Bonower can agr� 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 Bonower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Bonower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrces to such release in writing. The covenants and agr�ments of this Security Instivment shall bind (except as provided in Se�tion 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may chazge Bonower fees for services performed in connection with Borrower's default, for the purpose of prote�ring Lender's interest in the Property and rights under this Security Instnunent, including, but not limited to, attorneys' f�s, property inspection and valuation fees. In regazd to any other fces, the absence of express authority in this Security Instivment 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 5ecurity 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 charges collected or to be coll�ted in connection with the Loan exce�d the pemutted limits, then: (a) any such loan charge shall be reduaed by the amount necessary to re�iuce the charge to the permitted limit; and (b) any sums already coll�ted from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reflucing the principal owed under the Note or by �alcing a direct payment to Bonower. If a refund rerluces principal, the reduction �vill be treated as a partial prepayment without any prepayment charge (whether or not a prepayment chazge is provided for under the Note). Bonower's acceptance of any such refund made by dire,ct payment to Bonower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 7 5. Notices. All norices given by Bonower or Lender in connection with this S�urity Instrument must be in writing. Any notice to Borrower in connection with tlus S�urity Instrument shall be d�med to have b�n given to Borrower when mailed by first class mail or when actually delivered to Bonower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Bonowers unless Applicable Law expressly requires othervvise. The norice address shall be the Property Address unless Bonower has NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT VMP p Woiters Kluwer Financial Services Farm 3028 1/01 VMP61NE) (1105) Page 71 of 17