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�01209015 12. Borrov�er 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 proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortizarion of the sums secured by this Se,curity Instniment 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, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or pre�lude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bonower covenants and agrees that Bonower'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 S�urity Insmiment 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 s�ured by this Security Instrument; and (c) agrees that Lender and any other Bonower 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 Successor in Interest of Bonower who assumes Bono�ver's obligarions under this Securiry Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Insmunent. Bonower shall not be released from Bonower's obligations and liability under this S�urity Instrument unless Lender agr�s to such release in writing. The covenants and agresments of this Security Insttvment shall bind (except as provided in Secrion 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Properly and rights under this Se�urity Instrument, including, but not limited to, attomeys' fees, property inspecrion and valuarion fees. In regazd to any other fees, the absence of express authority in this Security Instnunent to chazge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge f�s that aze expressly prohibited 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 chazges coll�ted or to be coll�ted in connection with the Loan exce� the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitte�l limit; and (b) any sums already collected from Bonower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make ti�is refund by reducing the principal owefl under the Note or by making a direct payment to Bonower. If a refund refluces principal, the reduction �rill be treated as a partial prepayment without any prepayment charge (�vhether or not a prepayment charge is provid� for under the Note). Bonower's acceptance of any such refund made by dir�t payment to Bonower will constitute a waiver of any right of action Borrower might have arising out of such overchazge. 15. Notices. All notices given by Bonower or Lender in connection with this Security Instrument must be in writing. Any notice to Bonower in conne�tion with this S�urity Insmament shall be d�med to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's norice address if sent by other means. Notice to any one Bonower shall consritute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has NEBRASKA-Single Famlly-Fannie Mae/Freddia Mac UN�FORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) (7105) Wolters Kluwer Financial Servicas Page 11 of 17