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201406486 12, Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for pay�nent or inodification ot'amortization of the suins secured by this Secut•ity Instrument granfed'by Lender to Bori�ower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to conunence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify ainortization of the suins secured by this Security Instrument by reason of any deinand tnade by the original Borrower or any Successors in Intei•est of Borrower. Any forbearance by Lender in exercising any right or remedy including, without liinitation, Lender's acceptance of payinents from third persons, entities or Successors in Interest of Borrower or in amounts less t11an the ainount then due, shall not be a waiver of or preclude tlle exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants a�1d agrees that Borrower's obligations and liability shall Ue joint 1nd several. However, any Borrower who co-signs this Security Instrument but does not execute the Note(a"co-signer"): (a)is co-signing this Security Instruinent otily to inortgage, grant and convey the co-signer's iiiterest in the Property under the terms of this Security Tnstrument; (b) is not personally oUligated to pay the suins secured by tlus Security Instruinent; and(c) agrees that Lender anci any other Borrower can agree to extend, rnodify, forbear or make any accorrunodations with regai•d to the terms of this Security Instrument or the Note without the co-signer's consent, Subject to the provisions of Sectioil 18, any Successor in Iiiterest of Borrower who assumes Borrower's obligations under this Security Instruinent in wriCing, and is approved by Lender, shall obtain all of Borrowe�'s rights and benefits under this Securily Instruineilt. Borrower sl�all not be released from Borrower's oUligations and liability under this Security Instrument unless Lender lgrees to such release in writing. The covenants and agreements of this Security Instrument shall bind(except as provided in Section 20) and benefit tlie successors anci assigns of Lender. 14. Loan Charges. Lencler may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lencler's interest in the Property anci i•ights under this Seclirity Instrulnent, including, btitt not liinited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the al�sence of express authority in this Security Insti•ument to cliarge a speci�c fee to Borrower shall not bc construcd as a prohibition on the chargiilg of such fee. Lender may not charge fecs that are expressly prolubitecl by this Security Instruinent or Uy Applicable Law. If the Loan is suUject to a law which sets�Zaxitntuiz loan charges, and that la�v is finally interpreted so tliat the interest or other lo�n charges collected or to be collected in coiuiection with the Loan exceed tihe perinitted liinits, then: (a) any such 1oan chai•ge shall Ue reduced Uy the amount necessary to reduce the charge to the perinitted liinit; and(b) any suins 1lready collected froin Borrower which esceeded perznitted limits will Ue refuncled to Borrower. Lender inay choose to malce tliis refund by redueing the principal owed under the Note or Uy makiiig a direct payment to Borrower. If a refund reduces princi�al, the redtiction will be treated �s 1 partial prepayinent without any prepayment charge(whether or not a prepaymeiit chai•�e is provided for under the Note). Borrower`s acce�tance of any such refiind ilzade Uy direct payment to Borrower will constiti.rte a waiver of any right of action Boi�rower might have arisu�g outi of sucli overcllai•ge. 15. Notices. All iiotices given Uy Borrower or Lender in connection with this Security Instrument must be in writing, Any notice tio Borrower in connectiion with this Sectuity Instrument Shall be deemed to llave been givan to Borrower when mailed by first class mail or when actually c�elivered to Borrower's notice address if sent Uy other means. Notice to any one Borrower sliall constittite notice to all Boz�rowers unless Appliclble Law expi•essly requires otherwise, The notice address shall be the Property Address mlless Borrower has 24007178 NEBRASKA-Single Famlly-Fannie M ae/f-reddie Mac UNIFORM INSTRUM ENT Form 3028 1I01 VM P O VM P6(NE)(1302) Woliers Kluw�er Financlal Services Page 11 Of 17