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2U12073G� 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 Security Instrument granted by Lender to Bonower or any Successor in Interest of �rrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. 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 modify amortization of the sums secured by this Security Instrurnent by reason of any demand made by the original Borrower or any Successors in Interest of Bonower. 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. Bonower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instivment but daes not execute the Note (a "co-signer"): (a) is co-signing this S�urity Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of tlus Security Instrument; (b) is not personally obligated to pay the sums se�ured by this Se�urity Instrument; and (c) agrees that Lender and any other Borrower can agr� to extend, modify, forbeaz or make any accommodarions with regard to the terms of this S�urity Instrument or the Note without the co-signer's consent. Subj�t to the provisions of S�tion 18, any Successor in Interest of Borrower who assumes Bonower's obligations under this Security Instnunent in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released 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 Security Insmiment shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may chazge Bonower fees for services performed in conn�tion with Bonower's default, for the ptupose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys' fces, property inspection and valuation fees. In regazd to any other f�s, the absence of express authority in this Security Instivment to chazge a spe�ific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge feEs that aze expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law wluch sets maicimum loan charges, and that law is finally interpreted so that the interest or other loan chazges 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 ne,cessary to reduce the charge to the permitted limit; and (b) any sums already coll�ted from Borrower which exce�de� permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the prin�ipal owed under the Note or by making a direct payment to Borrower. If a refund re�uces principal, the redudion will be treated as a partial prepayment without any prepayment chazge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by dir�t paymern to Bonower will constitute a waiver of any right of action Bonower might have arising out of such overchazge. 15. Notices. All notices given by Bonower or Lender in connecrion with this Security Inst7ument must be in writing. Any norice to Bonower in connection with this Security Instrument shall be deemed to have been given to Bonower when mailed by first class mail or when actually delivered to Bortower's notice address if sent by other means. Norice to any one Bonower shall constitute norice to all Bonowers unless Applicable Law expressly requires otherwise. The notice address shall be the Properiy Address unless Bonower has NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fwm 3028 1/O7 VMP Q VMP61NE) (110b) Wolters Kluwer Financial Services Page 71 of 17