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�0�208�0; 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums s�ured by this Security Instrument granted by Lender to Bonower 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 proccedings against any Suc,cessor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Bonower 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. Borrower covenants and agr�s that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Insmxment but does not execute the Note (a "co-signer"): (a) is co-signing this Securiry Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instiument; (b) is not personally obligatefl to pay the sums s�urefl by this 5�urity Instrument; and (c) agr�s that Lender and any other Borrower can agr� 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. Subject to the provisions of Section 18, any 5uccessor in Interest of Borrower who assumes Borrower's obligations under this Security Instnunent in writing, and is approve� by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Bonower shall not be released from Bonower's obligarions and liabiliry under this Security Instrument unless Lender agreES to such release in writing. The covenants and agreements of this Security Insnvment shall bind (except as providerl in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may chazge Borrower fees for services performed in connecrion with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this Se,curity Instrument, including, but not limited to, attorneys' f�s, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construefl as a prohibition on the charging of such fee. Lender may not charge f�s that are expressly prohibiterl by this Security Instrument or by Applicable L.aw. 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 collecte� or to be collected in connecrion with the Loan exc.ced the permitted limits, then: (a) any such loan charge shall be refluced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which excceded gemutted limits will be refunded 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 treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Bonower's acceptance of any such refund made by direct payment to Bonower will consritute 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 conn�tion with this 5ecurity Instrument must be in writing. Any notice to Borrower in conn�tion with this 5ecurity Instrument shall be d�med to have b�n given to Bonower when mailed by first class mail or when actually delivered to Borrower's notice addtess if sent by other means. Notice to any one Borrower shall consritute notice to all Bonowers unless Applicable L,aw expressly requires otherwise. The notice address shall be the Property Address unless Bonower has NEBRASKA-Single Family-Fannfe Mae/Freddie Mac UNIFORM INSTRUMENT Farm 3028 1/O7 VMP Q VMP61NE1 (11051 Wolters Kluwer Financial Services Page 11 of 17