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201210951 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the timc for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrowex or any Successor in Interest of Bonower shall not operate to release the liability of Borrower or any Successors in lnteres[of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of&orrower or to refuse to extend timc for payment or otherwise modify amortization of the sums secured by fliis Szcuriry Instrument by reason of any demand made by the original 13orrower or anp Successors in Interest of Boaower. Any forbearance by Lender in exercising any right or remedy inc;ludin,�, w-ithout]imitatiou, Lender's accep[ance of payments from third persons, cntities or Successors in Interest of Borrower or in amounts lcss than the auiount then du� shal_1 not be a waiver of or preclude the exercisc of any right or remedy. 13. Joint and Several l�ability; Co-signers; Successors and Assigns Bound. Borrowcr covenants and �rees that$oaower's obligations and liability shall be jain[and several. Howevex, any Borrower who co-signs this Secwity Insuwuent but does not execute the Nate(a"co-si�mer"): (a) is co-si�ino this Security Instnunent oniy to mortgage, grant and convey the co-sib er s interest in the Property under the terv� of this Securitq Instrurnent; (b) is not personally obligated to pay the siuns secured by this Security Instrument; and(c) agrees that Lender and any othet Bonower can agree to ext8nd, modify, forbeac or make any accommodations with regard to the terms of this Security Instrument or the Note withouT the co-sigier's consent. Subject to flie provisions of Section 18, any Successor in Interest of Borrower v✓ho assumes Borrower's obligations under Yhis Security Insh-ument in wi-iting, and is approved by Lender, shall oUtain all of Borrower's rights ai�d Uenefits under this Security InstnunenY. Bqxxower shall not be released from Borrower's obligations and liability under this Security Instrumextt utlless I,ender agrees to such release in wxiting. The covenants and ab eements of this Security Instnunent shall bind(except as provided in Section 20) and benefit thc successors and assigis of Lender. 14. Loan Charges. Lender may charge Borrower fees for services perPonned in connection with Borrower's default, for the purpose of pmtecting Lender's interest in the Proparfy and rights under Yhis Security Tnsuument, including, but not limited iq attorneys' fees, properry inspection and valuatioxi fees. In regard to auy other iees, the absence of eYpxess aathority in this Securit�Instaunent te cliarge a specific£ee to Borrower shall not be consuued as a prohibition on uye charging of'such fee. Lender may not charge fec.s that are�pressly prohibited by this Security lustrument or by Applieable Law. If the Loan is subject to a law wluch sets ma�num loan charaes, and that law is finally interpreted so tlzaf the interest or other 1oan charges collected or to hc collected in connection with the Loan exceed tihe pexmitted limlts, then: (a)any such loan ehaige shall be reduced by tlie amount nacessary to reduce fhe eharge to the permitted.limif; u�d(b) any sums already collected from Borrowex which eYeeededpermitted. limits�vill be refunded to Bon-ower. Lender may choose to make this refund by reducing the principal owed under the Note or by malang a direct payment tio Bozrower. If a rcfimd reduces grincipal, the reduction will bc freated as a parEial prepaymenT witkout any prepayment chazga(whethes or not a prepaymeut charge is provided fox under the Note). Borrower's accepYance of any such refimd made by d�ect payment w Borroa�er u�ill constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15� Notiees. All norices given by Borrower or Lendes in connection with this Sacurity Ins[ruwe�t�xuist be ia writing. Atay notice to Boaower in connecrion wifli this Securlty Instnunent shall be deemed to have been giwen to Borcower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to an}r one Bosower shall coivstitute no5ce W a11 Borrow�xs unless Applieable Law expressly requires otherwise. The nolice address sl�all be the Property Address unless Barrower has 240031]] NFBRHSKA-Single Famity-Fannie WaelFretltlie b1ac IJNIFORh1 MSTRUM ENT Form 3028 1l01 VMP� VMP6(NE)(1105J LValters Kluwer Financial5ervices Paqe 11 of t]