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201403885 12. Borrovver Not Released; �orbearance By Lender Not a Waiver. �xtension of tl�e tiine for payment or i�adif"ic�tion of amortization of tl�e sums secured by this Sectuity Tnstrument granted by Lender to Borrower or�ny Successor in Interesl of Borrdwer sha11 not operafe to release the 1ia�ility of Borrbwer or any Successors in Interest of Borrower. Lender sh�ll not Ue required to commeiice proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by tliis Security Instrutnent by reason of any demand macie Uy the original Borrovver or �ny Successors in Interest of Borrower. Any I'orbe�rance vy Lender in exercising�ny right or reinedy illcluding, witliout limitation, Lender's acceptance of payinents fi�oln�llird perso�s, entities or Successors in Interest of Borrower or ii�ainounts less than the asnount then due, shall not be a waiver of or precllide the exercise of an�right or reziledy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants 1nd agrees that Borrower's oUligations �nclliability sha11 b�jaiilt and several. However, a11y Borrower who co-signs this Security Instruinent but does not execute the Note(a"co-signer"); (a) is co-signing this Security Instruinent only to inortg�ge, grant and convey t17e co-signer's interest in the Property under t1�e terl��s of this Security InsEruma�it; (U) is not personally obligatecl to pay tl�e su�ns seoured by this Security Instrument; and(c) agrees that Lender atld any otiher Borrowar can lgree to extend, nlodify, forbear or inalca �siy accoininodations witl�r�gai�d to tlie terms of this Security Insti�tu�ent or tihe Note without the co-si�er's consent. Subject to the provisions of Section 18, any Successor ii�Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, sha11 obtaiii all of Borrower's rights and bene�ts under this Security Instrument. Borrower shall not be released from Borrower's ovligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants��lcl�greements of this Seaurity Ins�truinent sha11 bind(except as provided in Section 20) 1nd benefit the successors aiicl assigns of Lender. 14. Loan Charges. Lender iilay ch�t•ge Borrower fees for services performed in coruiection with 13orrower's default, for the purpose of protecting L�nder's interest in the 1'roperty and rights under tl2is Secu�ity Instrizinent, inclLiding, but�oti limited to; attorneys' fees, property inspection and valuation fees. In regard�o any other fees, th�absence of express authority zn this Security Instrument to charge a specific fee to 13orrower shall z�.ot be construed as a prohiUition on the char�in�of such fee. Lender inay iiot charge fees i:h�t are expressly prohibited by this Security Instrument or liy ApplicaUle Law, If the Loa�7 is subject to a l�w which sels rnaximtun loan charges, and th�t 1aw is finally in�erpretecl so tliat the interest or other loau chai�ges collected or to be collected in comiection with the Loan exceed the pernutted limits, theiY: (a) any such 1o�n chas•ge shall be reduced b�the�snaunt n�cessary to rednce the charge to the permitted limit; ancl(b) any sums already collected from Borrower vvhioh exceedec�permitted limits will be refunded to Borrower. Leiider iilay choose to mnlce this refund by reducing the principal owed under tlie Note or Uy inalcing a direct payineizt to Borrower. If�t refiind reduces principll, the reduction will be tre�ted as ti partial prepayment without any prepa�ment ch�rge(whether or not a prepayment charge is provided for tuider the Note). Borrower's acceptanae of any such refiuzd inade by di�•ect payment to Borrower will constitute a w�iver of�ny right of action Borrower nught have arxsiilg out oF such overcl�ar•ge. 15. Notices. All notices given Uy Borrower or Lender in coiuiection with this Security Instnunent inust be in writing. Any notice to Borrower in comlection with this Securii,y I�istrument sh�Il be deeined to have been given to Borrower when il��iled l�y firs�class�Ziail or when lctually deliverecl to Borrower's notice acldress if sent by other meaizs. Notice to any one Borrower shall conatitute notice to a11 Borrowers Liriless Applicable Law exprassly.requires otherwise. The notice address sha11 be the Property Acldress unless Borrower l7as 24006238 NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM 1NSTRUMENT Form 302II 1I01 VMF'd VMP6(NE)(1302) Wolters Kluwer Financlal Services Page 14 of 17