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201108381 12, Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tiine for payment or mo�lificatioii oF ainortization of the suins secitred vy this Security Instrument�raiited by Lender to Borrower or any Successor in Inte��cst of Boi�rower shal'1 not operate ta release the liability of]3orrower or any Successors in Interest of Borrower. Lender sha11 iiot be required to cominence proceedings lgainst any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify ainortization of tlie stuns secured by tliis Security Instrument Uy reason of any deinand in�de Uy the original Borrower or any Successoi•s in Iilterest of Borrower, Any forUearance by Lencler in exercising any right or reinedy inclucling, without limitation, Lender's acceptance of payii�ents fi•om thii•d persons, entities or Successors in Interest of Borrower o�•in�moun�s less than the auiount then due, sliall izot be� �vaiver of or preelude tl�e exercise of any right or remedy. 13. Joint and 5everal Liability; Co-signers; 5uccessors and Assigns Bound. Borrower covenants ancl agrees that Borrower's obligations and liability shall be joint and several. However, 1i�y Borrower who co-signs this Security Iilstrument bat does not ex�cuta the Note(a°co-signer"): (a) is co-signing t11is Sectu�itiy Instruinent only to mortgage, grar�t and convey the co-signer's interest in the Property unc�er the tei7ns of this Security�IiistrLUnent; (b) is not pei•sonally obligated to p�y the suins seeured by this Security Instrument; and(c)ag�•ees ihat Lender and�ny othet•Borrower can agree to extencl, inodi�'y, forbear or nzalce auy accoirunod�tions�witli regarc�to t11a��erins oC tlus Security Instrtiunent or t17e Note without the co-signer'�s� consent. SuUject to the provisions of Seciion 18, any Stitccessor in Interest of Borrower who assumes Borrower's obligatioi�s ui�de�t11is Security Ii�strulnent iri writing, and is a�pprovecl by Lender, sha11 obtain al�of Borrower's riglzts and benefits under this Security Instrtimeirt. Borrower s11�11 iiot Ue released from Borrower's obligations and liability u�der tliis Security Iust�uinent unless Lender�gr�ees to snch release in wi'itii�g. The covenants a11d agreen�ents of this Security Instruinent 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 perforrned in connection with Borrower's def�ult, for the purpose of protectiiig Lender's interest in the Property and rights under this Security Instr�ment, including, but not lunited to, at�oriieys' fees, �roperty iilspection and valuation fees, In regarcl to any other fees, the absence of express atirthority in this Security Insti`ument to chal•ge a specific fee to Borrower shall not Ue constrLted as a prohiUition on the chai•�ing of sucli fee. Lender may not ch�rge fees that are expressly�rohibited by this Securit�IsistrL�ment or Uy Applicable Law. Tf the Loan is su�ject to a law wluch sets maxiii�um loan charges, and tllat law is finally interpreted so tha� the interest or other lo�s�cha�ges collected or�to be collected in connection with the Loan oxceed the perinitted liinits, then: (a) any sucli loan chlrge sha11 bs redttced vy the amount necess�ry to reduce�;he charge to the�ernutted linut; and(b) aliy sums already collected Lrom Borrower which excoet�ecl perrliitted limits wi11 be refuiided to Borrower. Lender inay choose to malce this refund by reducing tlie principal owed under the Note or vy malcing a clirect payment io Borrower. If�t rerund reduces prirzcipal, the reduetion wi11 be tre�ted as a partial prepayment without any prepaysilei7t charge'(whetlier or not a�i�epayment charge is provided Poi uilder t11e Note). Borrower's�cceptailce of aiiy such refiind made by direct payineilt to Borrower wi11 consCitute a waiver of any right of lction Borrower miglit liave�rising out of such overcharge. 15. Notiees. All notices given Uy Bori•ower or Lendei•in connectioii with this Security Iizstrument must Ue in writing. Any notice to Borrower in comiection wi�h this Security Tnstrttnient shall ba deemed to have bean given to B�z•rowet•when mailed by�irst class mail or when activally delivered to Borrower's notice address if sent by other ineaus, Notice to any one Borrower sl��ll constitute notice to all Borrowers unless Applicab7e Law expressly requires otilierwise. The notice�ddress shall Ue the Property Adclress unless Borrower lias 231205 NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 302a 1J01 VM P O VMP6(NE)(1105) Wolters Kluwer Financial Services Page 41 of 17