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201404800 12. Borrower Not Released; Forbearance By Lender Not a V1/aiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Insh uinent granted by Lender to Bor�ower or any Successor in Interest of Borrower sha11 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 payxnent or otherwise modify amortization of the sums secured by this Security Instru�nent 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 acceptanee of payments from tlurd persons, entities or Successors in Interest of Bonower 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. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument 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 Inslrtimen� (b)is not personally obligated to pay the sums secured by this Security Instrument; and(c)agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the tern�s of this Security Instrument or the Note without the co-signer's consent. Subject to fhe provisions of Section 18, any Successor in Interest of Bonower who assumes Borrower's obligations under this Seeurity Instrtunent in writing and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower sha11 not be released from Borrower's obligations and liability under this Security Instr�uuent unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrunzent shall bind(except as provided in Section 20)and benefit the successors and assigns of Lender. 14. Loan Charges, Lender may charge Borrower 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 Security Instrui�ent, including, but not limited to; attorneys' fees, property inspection and valuation fees_ In regard to any other fees, the absence of express authority in this Security Insrilmlent to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instniinent or by Applicable Law. If the Loan is subject to a law which sets maYinZum loan charges, and that law is finally interpreted so that the interest ar other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the peri�litted limit; and(b)any sums already collected from Borrower which exeeeded pern�itted 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 direct payment to Borrower. If a refund reduces principafl, the reduction will be treated as a partial prepayxnent without any prepayment charge(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 Borrower might ha�e arising out of such overcharge. 15. Notiees. All notices given by Borrower or Lender in connection with this Security Instnui�ent must be in writing. Any notice to Borrower in connection with tlus Security Inst�-uiuent sha11 be deemed to haee been given to Borrower when mailed by first class mail ar when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower sha11 constitute notice to a11 Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Properly Address unless Bonower has 2a006642 NEBR45KA-Single Fam ily-Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT Form 3028 1/01 VM P Q VM P6(NE)(1302) Wotters Kluwer Fnancial.Services Page 11 of 17