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2012021�� 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 S�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 Borrower. 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 S�urity Instntment 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 gersons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, sha11 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 Bonower's obligarions 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 Insrivment only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instnunent; (b) is not personally obligated to pay the sums secured by this Security Insmiment; and (c) agrces that Lender and any other Bonower can agr� to extend, modify, forbear or maice any accommoda.tions with regazd to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Se�tion 18, any Successor in Interest of Borrower 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 S�urity Instnunent. Bonower shall not be release� from Bonower's obligations and liability under this Security Instrument unless Lender agr�s to such release in writing. The covenants and agreements of this S�urity Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower f�s for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limite� to, attorneys' f�s, property insp�tion and valuation fe�s. In regazd to any other fees, the absence of express authoriry in this Security Instrument to chazge a specific fee to Bonower shall not be construed as a prohibition on the charging of such f�. Lender may not charge fees that are expressly prohibited by ttus 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 collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the chazge to the pernutted limit; and (b) any sucns already coll�ted from Bonower which exceeded permittefl limits will be refundefl to �nower. Lender may choose to make this refund by reducing the principal owed under the Note or by maldng a direct payment to Bonower. If a refund reduces principal, the reduction will be treatefl as a partial prepayment without any prepayment charge (whether or not a prepayment chazge is provided for under the Note). Borrower's acceptance of any such refund made by dire�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 Bonower or Lender in connection with this Se�urity Insmiment must be in writing. Any notice to Bonower in connection with this Security Instrument shall be deemefl to have been given to Bonower when mailed by first class mail or when actually delivered to Bonower's norice 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/Freddfe Mac UNIFORM INSTRUMENT VPflP p Wolters Kluwer Financial Services Fo� so2s �roa VMP6INE) (1105) Page 11 of 17 r.' r, ej4 9 . . .. .. �