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201 20533� 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums se,cured by this S�urity Instrument granted by Lender to Borrower or any Successor in Interest of Bonower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence procee�ings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instn�ment 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 persons, enrities or Successors in Interest of Bonower 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 Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Seeurity Instrument; and (c) agr�s that Lender and any other Bonower can agree 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. Subje,ct to the provisions of Section 18, any Successor in Interest of Bonower who assumes Borrower's obligations under this S�urity Instnunent in writing, and is approved by Lender, shall obtain all of Bonower's rights and benefits under this S�urity Instrument. Borrower shall not be released from Borrower's obligarions and liability under this 5e,curity Instrument unless I.ender agrees to such release in writing. The covenants and agreements 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 connection with Borrower's default, for the purpose of prot�ting Lender's interest in the Property and rights under this Security Instnunent, including, but not lunited to, attomeys' f�s, property inspe,crion and valuation f�s. In regard to any other fees, the absence of express authority in this Security Instrument to chazge a specific fee to Bonower shall not be construed as a prohibirion on the chazging of such fee. Lender may not charge f�s that are expressly prolubitefl by this S�urity Instrument or by Applicable Law. If the Loan is subject to a law wluch sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to he coll�ted in connection with the Loan exce� the pernritted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the chazge to the permittefl limit; and (b) any sums already collected from Bonower which exceeded permitted limits will be refunded to Bonower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a dir�t payment to Bonower. If a refund reduces principal, the reduction wiii be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under �e Note). Bonower's acceptance of any such refund made by dire,ct payment to Bonower will constitute a waiver of any right of action Bonower might have arising out of such overcharge. 9 5. Notices. All notices given by Bonower or Lender in conn�tion with this Security Instrument must be in writing. Any notice to Bonower in conn�tion with this S�urity Insmament shall be deemed 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 Borrowers unless Applicable Iaw expressly requires otherwise. The norice address shall be the Property Address unless Bonower has NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwar Financial Services Fo.�, so2e �ro� VMPB(NE) (t 105) Page 11 of 17 , . . `�