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2oi2o4�s� 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 Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Bonower or any Suc,cessors in Interest of Bonower. Lender shall not be required to commence proceedings against any Successor in Interest of Bonower or to refuse to extend time for payment or otherwise motiify amortizarion of the sums secured by this Security Instrument by reason of any demand made by the original Bonower 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, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall 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 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 Instivment only to mortgage, grant and convey the co-signer's interest in the Properiy under the terms of this Security Instrument; (b) is not personally obligated to pay the sums se�ured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agrce to extend, modify, forbeaz or make any accommodations with regard to the terms of ttus Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Secrion 18, any Successor in Interest of Borrower who assumes Bonower's obligarions under this Security Insm�ment in writing, and is approved by Lender, shall obtain a11 of Borrower's rights and benefits under this Security Instrument. Bonower shall not be releaseri from Borrower's obligarions and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agr�ments of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may chazge Borrower fees for services performed in conn�tion with Bonower's default, for the purpose of prot�ting Lender's interest in the Properly and rights under this Security Instrument, including, but not limited to, attomeys' fees, property inspection and valuation f�s. In regazd to any other fe�s, the absence of express authority in this Security Instrument to charge a sp�ific 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 S�urity Instrument or by Applicable Law. If the Loan is subje.ct 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 be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessazy to reduce the charge to the permitted limit; and (b) any sums already coll�ted from Borrower which exceeded permitte� limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owefl uader the Note or by maldng a direct payment to Bonower. If a refund reduces principal, ttie reduction w�i be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by dir�t payment to Bonower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All norices given by Bonower or Lender in connection with tlus Security Instrument must be in writing. Any norice to Borrower in conn�rion with this S�urity Instrument shall be d�med to have been given to Borrower when mailed by first class mail or when actually deliverefl to Borrower's notice address if sent by other means. Norice to any one Borrower shall constitute notice to all Bonowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wokers Kluwer Financial Servic� Fom, soza �ro� VMPB(NE) (1105) Page 11 of 17 � M �I .