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201201978 12. Borrower Not Released; Forbearance By Lender Not a Waiver. ExCCnsion of the tiine f�r payment or modifieation oP amorCizaYion of the sums securcd by this Securiry Instrument granted by Lendex to Boxrower or any Successoc in Interest of Borrower shall not operate to release the IilUility of Borrower or xny Successors in Interest of Borrower. Lender sl�all iiot be requireci to cominence proceedings against any Successor in Interest of Borrower oc to refuse to extend time tbr payment or olherwise modify amortization of the sums secured by this Security InstrumenC by reason of any demand made by Che original Borrower or uiy Successois in biterest of Borrower. Any forbearance by Lender in execcising any cight or remedy including, without limiCation, I.ender's acceptance of payments from third pexsons, entities or Successors in Inteeest of Borrower or in amounts less than the unount tl�en due, shall not be a waiver oP or precfude the exercise oP any righl or remedy. 13, Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bormwer covennnts and agrees [hat Borrower's obligations and liability shall be,joint and several. However, any Borrower wlio co-sig�ns tl�is Security InstrumenC bul does not er:eeti�Ye the Note(a "co-signer"): (a) is co-sig�iing Chis Security Ii�sthument only fo mortgage, graue and convey the co-signer's interest in the Properly tmder the terms of ll�is Sccurity Instrument; (b) is not persontilly obligaCCd Co pay 6ha sums seeured by Yl�is Securi[y Insutiiment; and (c) agrees that L,e�dec and any other Ronower can agree Co extend, modiPy, forbear or make 2uy aceommodations with regard to Che terms of this Security Instcument or the Note without the co-s[gner's consent. SubjecY to the provisiovs of Section 18, any Successor in InCerest of IIorrower who assumes Borrower's obligaCions undei this Security Ins�rumei�t in writing, and is approved by Lender, shall obtain all of Borrower's rights and benePi[s under this Securlty Instiument. Barrower shall not be released from Borrower's obligations and Iiability undec tivs 5ecurity Insh•ument�mlcss Lcnder agrees to such release in writing. The covenants and agreements of this Security Instrun�enC shall bind (except as provided iii Section 20) and benefit the successoxs and assigne of Lender. 14. Loan Charges. Lender may charge Borrower fecs for seiv3ces performed in coanectinn with Borrower's default, for Yl�e pmpose of protecting Lender's interest io the ProperCy and cights nnder Cl�is Securily Iustrument, includiiig, but not limited to, attorneys' fees, propei�ty inspection tmd valuation fces In regard to a�ry otlier fees, the abscnce of express atttlioxity in this Security Instrument to chargs a specifi¢fee Yo Rorrower shall nnC be covstruerl as a prohibition on the charging of such fee. Lender may not charge fees that are expressly�xohibited by 11iis Security Tnstrument or by Applicable Law. If the Loan is subject fo a 11w wl�ich aets maximum loan ehargas, and Cliat ]aw is finally interpretcd so t�hat' the interesC or otl�er loan charges collceCed or to be collected in comiection with the Loati excccd the pennitted limits, then: (a) any such l�an charge shall be reduced by tlie amount neccssaiy Co reduee the cl�arge to the permi6ted limiC; aiid (b) wy sums .tlretidy colLectcd from I3orrower whieh exceeded permitted limits will be refunded to Borrower. Le�ider may chooae to make this refuud by reducing Che principxl owcd under the NoCe or by m.r!<iilg a direcC payrnent to Borrower. If a refund reduces principal, thc reduction will ba [reated as a partial prcpayment wiChout any pcepayment charge (whether�or noC a pcepaymenY cl�arge is provided for under l�he Note). Borrower's 2cce�t�mce of any sucl� refund made by direct payment to� Borrower will constitute a waiver of aily right of acl'ion Borrower might have ar'rs'tng out of sueh overchargc. 15. Notiees. Nl noCices given by B�rrower or Leudex in comiection with this Security Instrument must be in wciting. Any notice to Borrower in connection with this Secarily Instrument sliall be deemed to h�ve been given to Borrower when mailad by first elass mail or when actually delivered to IIorrower's notice address iP sent by other mea�is. Notice to any ono Borrower shall constituCe notice Co 211 Bon�owers unless Applicable I,aw expxessly requires oCherwise, 7'he notiee address shall be tlie Property Address unlcss]3orro�ver Iiaa 2400056] NEeRASKASInple Family-Fannie MaolFroddie Mac UNIFOPM INSTRUMEN f Form 302d 1I01 VMP� . VMPQ(NEj��1061 Wolters KluwarPinanclal Earvicaa Pago 11 of 19