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201108442 12. Borrower Not Released; Forbearance By Lender Not a Waiver. �xtension of the time for pay�nei�t or modification of ainortization of the sums secured l�y this Security Instrunaent gr��zted Uy Lender to Borrower or any Successor in Interest of Borrower shall not operate to relelse the liaUility of Borrower or any Successors in Interest oC Borrower, Lender shall not be required to conunence proceedings ag�inst�ny Sticcessor in Interest of Borrower or to refuse to exbend time for payinent or otherwise inodify arnortization of the su�ns secured by this Security Iilstruinent Uy reason of any demancl made by the oi�iginal Borrower or any Successors in Interest of Borrower. Any forbeli•ance Uy Lender in exercising any right or remedy inaluc�ing, witllout limitiation, Lenc�er's accep�ance of p�yinents fi'oin�hird persoi7s, eniities or Sttccessors in Interest of Borrower or in ainounts less thali the fluloLint then clue, shall iiot l�e a waive�•of or prechide tihe exercise of any right or remedy. 13. Joinfi and Several Liability; Co-signers; 5uccessor� and Assigns Bound. Borrower covei�ants and agrees th�t Borrower's obligations �nd liability shall Ue joint and several. However, any Borrowei-who co-sigils this Security Inetrtuilent but does not execute the Note(a"co-signer"): (a) is co-signing�his � Security Insixuinent only to inortgage, grant and convey the co-sigiiar's interast in�Iie Property under t�e terins of tllis Sectuity Instrun�ent; (b) is not p�rsonally obligated to pay tihe sums secured by this Security Iilstrument; anc�(c) agrees tllat L�nder and any other Borrower can agree to extend, modiFy, forUear or malce �ny accommodations witli regard to the terins of this Security Instruinent or the Note witliout the co-signer's consent, Subject to the provisions of Section 1$, any Successor in Interest of Borrower who assumes Borrower's obligations uizder this Security Instruinent in writi�ig, and is approved by Lender; shall obtain a110�' Borrowez''s z�ights and bene�its unc�er this Security Instrument, Borrawer sha11 not be released froin Borrower's obligations and liability tinder tlus Security Insi�tunent unless Lender�agre�s to�such release ii� writing. The covenan'ts��nd agreemen�s of tl�is Security Iustrtiunent sha11 bu7d(except�s provided i�l Section 20) and Ueiiei"iti the successors �iid assi�ns of Lender. 14, Loan Charges. Lender may charge Borrower Fees for services performed it7 coiulection with Borrower's default, lor the puipose of protecting Lender's iilterest in the Property and i-igllts under this Security Insti�ument, ii�cludiiig, ULtt not limited to, attorizeys' £ees, property inspection and valuation fees. In reg�s•d to any other�'ees, tlie�bsence of expiess authority ii1 tlus Sectiu�ity InstruinenC to charge a specific�ee to Borrower shall not bc construed as a prohiUition on tlie ch��ing of sttch fee. Lender inay nol ch��rge fees that are expressly prohil�ited by t17is Security Instrument or Uy Applicable Law. If the Loai1 is subject to a law whicll sets inaxiinum lo�n charges, and th�t law is iinally interpreted so th�t the interest or otiher loan chargas collected or to be colleeted in connection with tlie Loan exceed the permitted limits, then: (�) any such loan chaz•ge shall Ue reduced by the ainount necessary to reduce the charge to the perinitted liinit; and(b) any sums already collected fi•oii7 Borrowei•wllich exceeded pennitt�d limits will be i°eftiuic�ed to B'orrower. Lend.er may choose to make this refzuld by red�icing the�rincipal owecl under the Note oi•Uy malcing a direct paymeiit to Borrower. If�refulid reduces principal, the i•eduction will be�re�ted as a partial prepayment without any prepayment cllarge(whether or not a prepaynlent charge is provided for under the Note), Borrower's acceptance of any such refiuzd made by direct payment to Borrower wzll constitute a waiver of any right of action Borrower inight have arising out of such overchas•ge. 15�. Notices. All notices gaven by Bt�i•rower or Lende�ui comlection with this Security I�istrument must ba�in writi�ig. Any i�otice to Borrower in�connection with�this Security Tnstirument shall lie de�irted to have been given to Borrower when mailed by firsti class mail or wlien actually deliv0red to Borrowei"s iiotice adclress if sent�y oCher meaus. Notice to�ny one Borrower sha11 consti�tute notice to all Borrowers ui7less A�plicable L�w expressly requires otherwise. The notice address shall Ue t11e Property Adciress unless Borrower lias 231209 NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 302II 1I01 VMP OO VMP6(NG)(11A5) Wolters Kluwer Financial Services Page 11 of 17