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. � � �- 5 0 �° �201503646 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tiane for paynnent or modification of ainortization of the sums seoured by this Securiry Instrument granted by Lendez•to Borrower or any Successor in Interest oF Borrow�r shall not operate to release the liabiIity oF Borrower or any Successors in Interest of Borrower. Lender shall not be r�quired to coznznence proceedings against airy Successor in Interast of Borrower or to refuse fa extend time for payinent or otherwise�nodify amortization of the suins secured by this Security Instrui�nent by reason of any demand tnade by the origina� Borrower or any Successors in Interest of Borrower. Any forbearance by Lendex i�i exercising any right or remedy including, witl�out iiiraitation, Lender's acceptance of payments from third persons, �ntities or Successors in Tnterest of Borrower or in amounts less than tkie ainount then due, siiall not be a waiver of or preclu[ie the exercise of any right or reinedy. 13. Join# and Se�erai Liabifity; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligatioiis and liabiliCy shall be joint and several. However, any Borrower who co-signs this Security Tnstruinent but does nat execute the Note(a"co-signer"): (a)is co-signing this Security Instrument anly ta mortgage, grant a11d convey the co-signer's interest zn tlae Property under the terins of this Security Instruzi�ent; (b} is not personally obligated#o pay the suins secured by this Security Instri,unent; aild{c) agrees that Lender and any other Borrower can agree to extend, inodify, forbear or make Any acconunod�itions with regard to the kerms of this �ecurity Instruinent or the Note without the co-signer's consent, 5ubject to the provisions of Section J 8, any Successor in Interest of Borrower who asstunes Borrower's obligations under this Securiry Tnstruinent in writing, and is approved by Lender, shall obtain all of Borrower's rights and beiiefits under this Security Tnstrument. Borrower shall not be released froyn Sorrower's obligatians and liability under this Security Instruinent uniess L,ender agrees to such release in writing. The covenanfs and agreements of this S�curity Instrument shall bind(except as provided in Section 20}and benefit the successors and assigns of Lender. 1 A�. Loan Charges. Lender inay charge Borrower fees for services perfarin�d in connection with Borrower's default, for the purpose of protecting Lender's inlerest in the Property and rights Lu�der tlus Security Instrument, including, but not liinited to, attarncys' fees, property inspection and valuation fees. In regard to any other Fees, the absence o�'express authoriry in this Security Instrument to char�;e a specific fee to Borrower shall not be construeti as a prohibition on the charging of such Fee. Lender may not charge Pees that are expressly prohibited by this �actu'ity�nstx'uzxzent or by Applicable Law. If the Loan is subject to a law which sets inaxitnuaxz�oan charges, and that law is finally inteipreted so that the inCerest or ofher laan charges collected or to be collected in cannection with the Loan exceed the peranitted lianits, then: {a) �ny such loan charge shall be reduced by the afnount necessary ta reduce�e ch�uge to the perinitted liiniL; and(b) any surz�s�lready collected from Borrower which exceeded perznitted liinits will be refanded to Borrower. �,ender may choose to inake this refiind by reducing the principal owed �tnder th.e Note or Uy znaking a direct payinent to Borrawer. If a refu�d reduces principal, the reducCian�,vi�l be treated as a partial prepayinent without any pxepayix�ent charge(whether or not a prepayment charge is provided For under the Note). Borrower's acceptauce of any such refund made hy direct pa}nnent to Borrower will constxtute a waiver of any right oF actian Borrower rnight have arising out of sucli overcharge. '15. NotiCes. All notices givea by Borrower ar Lender in connectiar�witl�this�ecurity Instrum�nt znust be in writing. Any notice to Borrower in connection wit1�this Security Inslnunent shall be deetried to have been given to Borrower when inailed by first class inail or when actually delivered to Borrower's notice address iF sent by other ineans. Notice to any one Borrower shall cons�itute notice to a11 Borrowers unless Applicable Law expressly requires ot�erwise, The nofice acldress shall be the Property Address unless Borrower has sao3szo�v�aa NEBf?ASKA-Single�amily-Fannie M aelFreddie M ac 11NIFORM INSTRUM ENT Form 3028 llQ1 VM P p VM P8{NE)(1302) Wolters Kluwer Financial Services page 71 of 17