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ti0�208007 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 Borrower 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 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 S�urity Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Bonower. Any forbearance by Lender in exercising any riglat or remedy including, without limitation, Lender's acceptance of payments from third persons, entiries or Successors in Interest of Bonower 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 Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not ex�ute 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 Se�urity Instrument; and (c) agr�s that L.ender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this S�urity Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Bonower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Se�urity Instrument. Bonower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agr�s to such release in writing. The covenants and agreements of this 5ecurity Insm�ment shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connecrion with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this S�urity Instrument, including, but not limited to, attomeys' fees, properiy inspection and valuation f�s. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Bonower shall not be construed as a prohibirion on the charging of such fee. Lender may not charge f�s that are expressly prohibited by this 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 chazges colle.cted or to be collected in conn�tion with the Loan excced the permitted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exc.eeded permitted limits will be refundefl to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a dir�t payment to Borrower. 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 providefl for under the Note). Bonower's acceptance of any such refund made by direct payment to Borrower will consritute a waiver of any right of action Borrower might have arising out of such overchazge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Bonower in connection with this S�urity Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers 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 p Wolters Kluwer Financial Services Fo� soze iro� VMP6INE) (1105) Page 11 of 7 7