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201108126 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tiime for pay�nel�t or inodification of ainortizltion of the sums secureci by this Security Instrument grauted vy Lender to Borrower or any Successor in Interest of Borrower sh�ll not operate to release the liaUility of Borrower or any Successors in Interest of Borrower. Leizder shall not be rec�uired to corrunence proceedings lgainst�ny Successoi•in Interest of Borrower or to reFuse to extend tiine for payinent or otlierwise modify arilortization of t17e stiims secured by this Security Tnstrument Uy reason of any demand inade�y t1Ye ori�inal Borrower or any Successors in Interest of Bori`ower. Any forbearance by Lender iti exercising any rigl�t or reinedy including, without liinitation, Lender's acceptance of payinents fi•oiil third persons, eiltities or Successors in Interest of 13orrowex or in an7ounts less than the amount then ciue, shall not be a waiver of or preclude tlie exercise oP any right or remedy. 13. Joint and Several Liability; Co-signers, Successors and Assigns Bound. Borrower covenants and agrees that Borrowei•'s oUligations a11d lial�ility sha11�e j oint and several. However, any Borrower who co-signs this Sectiu•ity Insti�ument but does not execlite the Note(a"co-signer"): (a) is co-signing this Security Instrument only to inortgage, grant and convey the co-signer's interest in the Property under the terms of tihis Security Instruri�ent; (b)is not perso�lally obligated to pay the sums sectitred by�his Security Ii�strument; a�id(c) agrees thlt Lender and any other Borrower can agree to extend, modify, forbear or make any acconullotlations with regard to the terms oPthis Security Tnstrument or the Note witllout the co-signer's consent. SuUject to the provisions of Section 18, any Snecessor in Interest of Borrower wlzo asstlines Borrawer's oUligations under this Security Instruinent in writing, aud is approved by Lender, shall obta.in all of Borrower's rights a�d benef"its uiider thie Security Instrument. Borrower s11a11 not be released fioin Borrower's oblig�tioils aud liabiliiy under this Security Instrument unless Lender agrees to such release in writitrg. The covenants and agreements of t11is Security Instrument sh�ll l�irid(except as provided ii1 Section 20) �nd beneFit the successors and assigns of Lender. 14. Loan Charge�. Lender may cll�r�e Borrower fees for services performeci iiz connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security zstruinent, includiug, but not limited to, a�ttorneys' fees, property inspection aud vahiatiosi fees. In regard�o �n other fees, the absence of express authority in this Sectirity Instruu�eiYt to charge a speci�c fee to Borrower shall not be coiistrued as ��rohibition on the charging of such fee. Lender m�y iiot ch�rge fees that are expre�sly prollibitecl by this �ecurity Insti�imaiit or by Applicable Law. If the Loan is subject to a law wliich sets maximum loan cliasges, �id tliat law is fiially intei�reted so tlia� the interest or other loaii charges collected or to Ue collected in coi�ilectioii witlz the Loan exceed the permitted lirnits, then: (a) any such loan charge sha11 be rec�uced by the a�nount necessary to reduce tl7e charge to the permitted liinit; and(b) any sums already collected from Borrower which exceeded permitted limits wi11 l�e refanded to Boi�rower. Leiidei•may choose ta malce this refund by reducing the pi-incipal owecl under the Note�or by inal�ing a direct payment to Borrower. If a reftind redtiices princip�l, the redtiiction will Ue treated as a partial prepayment without any prepayment cli�rge(�vhether or not a�repayment cllai•ge is providecl for under tihe Note). Borrower's accepta�lce df�ny su¢h refund made by direct�ayinent to Borrower will constitute a waiver of any right of action Borrower might have arising out o�such overcharge, 15. Notiees. A11 notices given by Borrower or Lender in corulecti�n with this Security Instrument inList be in writing. Any notice to Borrower iil coi��ectio�with tlus Security Ii�.vti'ument skall be deeined to have veei7 givei�to Borrower when mailed Uy first cl�ss n1�i1 or when actttally delivered to Borrower's notice acldress if sent by other nle�iis. Notice to any one Borrower shall constitute notice to all Borrowers unless Applic�ble Law expressly requires otherwise. The notice address s11a11 be the Propei�ty Addrass unles�Borrower h�s 231199 NEBR4SKA-Single Famlly-FannieMaelFreddieMac UNIPORM INSTRUMENT Form 302II 1101 VM�P� UM P6(NE)(1106) Wolters Kluwer Flnancial Services Page 11 of 17