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201108174 12. Borrower Not Released; Forbearance By Lender Nof a Waiver. Extension of the time for p�iyn�ent or modi�cation of amortization of tlie siuils secured Uy this Security Ii�sti•ument granted Uy Lender to Borrower or any Successor in Ii7terest of Borrower s1ia11 not opera�e tio release the liabi7ity of Bor��ower or any Stiiccessors in Interest of Borrower. Lender shall not Ue required to conuiience proceedings against any Successor in Interest of Borrower or to refuse to extend time I'or payinent or otherwise modify amortizltion of the suins secured by this Security Instrument Uy reason of liiy demaird inade Uy the original Borrower or any Successors in InteresE of Borrower. Any forbeaianca l�y I�eiider in exeraising any right or remedy including, without limitation, L,ender's acceptance oF payinents froin thir-d pei•sons, entities or S«caessnrs iri Interest of Borrower or in linounts less than the amount then due, sha11 not be a wliver of or preclude the exercise of any righ�or reinedy. 13. Joint and Several Liability; Co-signers; 5uccessors and Assigns Bound. Borrower covenants and agrees that Borrowei•'s obligations and liability sha11 be jdint�nd severaL IIowever, any Borrower who co-signs this Security Instrument but does not execute the Note(� "co-sigiier"): (�)is co-signing this Security Instruinent only to inortg�ge, grant and convey tlre co-signer's interest iri tlie Property under the terms of t11is Security Instrument;{l�) is not pei�sonally obligated to pay the sums secured by this Security Instrument; and(c) agrees that Lender and any other Borrower can�gree to extend, modify, forbear or malce any aoco�i�nod�tions with regard to tli�term� of this Security Instrument or the Note without the co-signer's consent. Subject to tke provisions of Section 18, any Successor iii Interest of Borrower w110 assuii7es Borrower's obligations uncler this Security Instrument in writin�;, ai�d is approvec�by Lender, sliall oUtain all of Borrower's rights a�1d laeneL'its Linder this Security Instruinent. Borrower sha11 not be released from Borrower's obligations and liability undar this Securit�Ii�struiiient ui�less Lencler �grees to such release in writing, The covenants and agreements of tllis Seourity Instrument s1�a11 Uinci(axce�t as provided in Section 20) and benefit the successors 1nd assigns oF Lender. 14. Loan Charges. Lender may chai•ge Borrower fees for services perFormed in eonnection with Borrower's default, for the ptiirpose of�rotecting Lender's interes�in the Property and rights uncler t1�is Security Instrument, including, but not li�nited to, attorneys' fees, �roperty inspeetion and valuation fees. In regard to any other fees, t11e aUsence of express authority in this Security Instruinent to chai ge a specil"ic fee to Borrower sh�ll not Ue coi'istrued 1s a prohibition oii the char�ing of sucli fee. Lender may not ch�rge fees that are expressly proliiUited Uy this Security Instrumeiit or by A�plicable Law. If t11e Lo�n is sL�bject to �law which seis maxunum loan charges, ��1d fhat law is�na11y intei�preted�so tha�t the interest or other loasl chargas collected oi�to be oollected in connection with the Loan excoed the pernutited lirnits, then: (a)any such 1oa�z cha�ge shall bereducecl by the amount�ecessary to�•ediice the charge to the perti�itteel limit; �17d(U) any sums already collected froin Borrower wluch exceeded pernutted liinits will be refiinded to Borrower. Lender may choose to inalce this rafund Uy reducing the principal owed tuider trie Note or by m�lcing a direct p�ymeilt to Boi•rower, If a refuiid rednces priizci�al, the reduction will be treated as a pas•tial pi°epayment without�ny prepayinent charge(whetller or not a prepaymant char�e is provided for under the Note). Borrower's acceptance of any such refund rnade by direct paymelit to Boi•t•owe�•will constitute�waiver of any right of action Borrower inight 111ve arising out of such overckarge. 15. Notices. A11 notices given by Borrower or Lencler in cormection with th�is Secu�ity Ii7sti�iuiie�it must be in writing, Any notiice to Borrower in coiuiection with this Security Instrument shall Ue deemed to have been given to Bor1•ower when mailed by�rst class mail or when�cttially delivered to Borrowei•'s no�ice adc�ress if sent by otiher means. Notice�to any one Borrower sha11 constitu�e notice to a11 Borrowers�unless Applieabla Law expressly requires otherwise. The notice adclress sh�ll be the Property Address unless Borrower h�s 231201 NEBRASKA-SIngle Fam Ily-Fannie M ae/Freddle M ac UNIFORM INSTRUM ENT Form 3028 1/01 VM P OO VM P6(NE)(1105) Wolters Kluwer Financial Services Page 11 of 17