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20�20194� 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 Se�urity Instrument granted by Lender to Bonower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Bonower. Lender shall not be required to commence proccedings against any Successor in Interest of Bonower or to refuse 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 Bonower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's ac�ceptance of payments from third persons, entiries or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bonower covenants and agrees that Borrower'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 Properly under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agr�s that Lender and any other Bonower can agr� to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Secrion 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 agreements of this S�urity Instrument shall bind (except as provide�i in Se�tion 20) and benefit the successors and assigns of I,ender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Bonower's default, for the purpose of prot�ting L.ender's interest in the Property and rights under this S�urity Insmiment, including, but not limited to, attomeys' fees, property insp�tion and valuation fces. In regard to any other fees, the absence of express authority in this Security Instnunent to charge a specific fee to Bonower 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 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 coll�ted or to he collected in conne.ction with the Loan excced the permitted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitte� limit; and (b) any sums already collected from Bonower which exce�erl permitted limits will be refunded to Borrower. Lender may choose to make this refund by reflucing the principal owed under the Note or by making a dir�t payment to Borrower. If a refund re�uc�s principal, the reduction will be treatefl as a partial prepayment without any prepayment charge (whether or not a prepayment charge is providefl 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 Bonower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in conn�tion with this S�urity Instrument must be in writing. Any notice to Bonower in connection with this Security Instrument shall be d�mQtl to have been given to Bonower when mailed by first class mail or when actually delivered to Borrower'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 Bonower has NEBRASKA-Single Family-Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP � VMP61Nf) (7105) Wolters Kluwer Financial Servic� Page 11 of 17