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�4120�93� 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 S�urity Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Bonower or any Successors in Interest of Borrower. Lender shall not be requirefl to commence proceedings against any Successor in Interest of Bonower or to refuse to extend time for payment or otherwise modify amortizazion of the sums secured by this 5ecurity 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 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 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 Borrower who co-signs this S�urity 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 Insmiment; (b) is not personally obligated to pay the sums se,cured by this Securiry Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or malce 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 Successor in Interest of Bonower who assumes Bonower's obligations under this S�urity Instrument in writing, and is approvefl by Lender, shall obtain all of Borrower's rights and benefits under this Security Insm�ment. Borrower 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 Security Insmiment shall bind (except as provided in Se�tion 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Bonower 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 S�urity Instrument, including, but not limited to, attomeys' fees, property inspecrion and valuarion fces. In regard to any other fees, the absence of express authority in this Security Instrument to charge a sp�ific fe� to Borrower shall not be construed as a prohibirion on the charging of such fee. Lender may not charge fees that aze expressly prohibited by this S�urity Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpretefl so that the interest or other loan charges collected or to be collected in conn�tion with the Loan exceed the pernuttefl limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the chazge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal o�vefl under the Note or by making a direct payment to Borrower. If a refund reduces principal, the redudion �vill be treatefl 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 direct payment to Borrower will constitute a waiver of any right of action Bonower 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 Borrower in connection with this Securiry Instrument 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 Borrower shall constitute notice to all Bonowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has NEBRASKA-Single Famlly-Fennie Mae/Freddle Mec UNIFORM INSTRUMENT Farm 3028 1/01 VMP � VMPBWE) (1105) Wolters Kluwer Financial Services Page 11 of 17