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�0�205280 12. BorrowerNot Released;ForbearanceBy LenderNot a Waiver. E�tension of the time for payment or modification of amortizauon of the sums secured by this Security Instrument granted by Lender to Borrower or amr Succcssor in Intcrest of Borro�vcr sl�all not operatc to rcicasc thc liabilin- of Borrowcr or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in lnterest of Borroa�er or to refuse to e�tend time for payment or otherwise modify amortization oP lhe sums secured by lhis Security Instnunent by reason oi' any demand made by the original Borrower or am� Successors in Tnterest of Borrower. Any forbear�nce by Lender in e�ercising any right or remed}� including, without limitatioq Lender s acceptance of payments fmm third persons, entities or Successors in Interest of Bonower or in amounts less than the amount then due, shall not be a waiver of or preclude the esercise of any right or remedy. 13. Joint and Several Liability;Co-signers;Successorsand AssignsBound.Borrower covenants and agrccs that Borrowcr's obligaUons and liability sl�all bc joint and scvcral. Howc��cr, any Borrowcr �aho co-signs this Security Instrument but does not etecute the Note (a "co-signer"): (a) is co-signing this Security lnslrumenl only to morlgage, grint and convey lhe co-signer's interest in lhe Properiy under the terms of tlris Securily Instrument; (b) is not persor�ally obligated to pay� the sums secured by lhis Security Instrument; and (c) agrees that Lender and am' other Borrower can agree to estend, modify, forbear or make any accommodations witl� regard to tlle terms of this Security Instrument or the Note witl�out the co-signer's consent. Subject to the provisions of Secdon 18, any Successor in Interest of Borrower who assumes Borrower's obligations undcr this Sccurity Instrumcnt in writing, and is approvcd by Lcndcr, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under dris Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of tlris Security Instrument shall bind (escept as provided in Section 20) and bene�t the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower s default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property ii�spection and valuation fees. In regard to any other fees, the absence of espress authority in this Securin- Instrument to charge a speci�c fee to Borrowcr shall not bc construcd as a prohibition on thc charging of such fcc. Lcndcr may not chargc fces that are expressly prolubited by this Security Instrument or by Applicable Law. Lf the Loan is subjecl lo a law which sels masimum loan charges, and lhat law is 1"inally interpreted so lhat the interest or other loan charges collected or to be collected in connection with the Loan e�ceed the permitted limits, then: (a) any such loan charge shall be reduced by Uie amount necessary to reduce the charge to the pernutted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Bono�ver. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reducUon will bc trcatcd as a partial prcpaymcnt without any prcpaymcnt chargc (whcthcr or not a prcpaymcnt chargc is providcd for undcr thc Notc). Borrowcr's acccptancc of any such rcfund madc by dircct paymcnt to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in conneclion H�ith lhis Securily Inslrument must be in writing. Any notice to Borrawer in connection with this Security Instrument sh�ll be deemed to have been given to Borrower when mailed by �rst class mail or when actuall,y delivered to Borrower's notice address if sent bv other means. Notice to anv one Bonower shall constitute notice to all Borrowers unless Applicable Law espressl,y requires othenvise. The nodce address shall be the Property Address unless Borrower has NEBRASKASingle Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 YMP � VMP6(NE� (110�.00 Wolters Kluwer Financial Services Page 11 of 17