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201109173 12. Borrower Not Released; Forbearance By Lender Not a Waiver. �xtension of the time for�ayment or inodiF'ication of ainoitization of the sums secured Uy this Security Instruiilent granted by Lender to Boreower or aiiy Successor in Interest of Borrower s1ia11 not operate to rele�se the li�bility of Borrower or any Successors in Tnterest of Boi�rower, Lender shall not ve required to coirunence pi�oceedin�s against any Successor in Interest oi'Borrower or to refitse to exteizd titne for payment or otherwise modify amortization of tl7e sums secui ecl Uy tlus Security Instruinent Uy reason oP any demand inade by the original Borrower or any Successors in Interest of Borrower. Any forUelrance by Lender in exercising�ny right or remedy irzcluding, without Iiinitation, Lender's acceptance of paymenta I'rom tllird pei•sons, entities or SLtccessors in Interest of Borrower or in amounts less than the a�nount then due, s1�all not be a waiver of or prechtde the exercise o�any right or remecly. 13. Joint anc! Several Liability; Co-signers; Successors and Assigns Bound. Borrowei covenants and agi°ees that Borrowel''s obligations and liability sha11 ve joint a�id severaL ITowever, any Borrower who co-signs this Security Instruinent but cloes not execute the Note(a"co-signer"): (a) is co-signing this Security Instrurnent only to mortgage, grani and convey the co-signer's interest in the Property under tke terins of this Security Tizstrument; (b) is not personally oUligatec�to p1y the sums secured by this Security Tnstruinent; aud(c) agrees that Lencier and any other Boz�rower can agree to ex�end, inodify, forbear or inalce any accomn�odations wit11 regard to the te�•ms of this Security Iilstrument or the Note withoLit t11e co-signer's consent. Subj ect to the provisions oP Sec�ion 18, any Successor in Interest oi'Boi•�ower who assumes Borrower's oblig�tioiis under thie Security I�strun�ent i�writing, and is approvecl by Lender, sha11 obtain a11 0£ Borrower's rights and benefits under t11is Security Instrument. Borrower sha11 noti be rele�sed from Borrower's obligations and lilbility ttnder this Security Instrument unless Lender agrees to such release in wiiting, The covenazits and agreements of this Security Instrument shall Uinc�(exeept as provided in Section 20)ancl Uenei"it the successors and assigns of Lender. 14. Loan Charges. Lender nlay charge Borrower fees for services perFormed in comiection with Borrower's defatiilt, for the purpose of�rotecting Lender's interest in the Property and rigllts ui�der this Security Instrument, including, but not limited to, �ttorneys' fees, property inspection and valuation fees. In reglyd to an�oEher fees, the aUsei�ce of ex�ress authority in this Security Insti•umenti to charge a speci#"ic fee to Borrower sha11 not�e construed�s a�rohibition on the charging of sucli fee. Lender inay riot c12a1•ge fees that are expressly�rohiUited l�y this Sectirity Tnstrument or by ApplicaUle Law. Itthe Loan is subject to a 1aw whicli s�ts maximuii7loan charges, and that law is finally i�terpre�ed so that the interest or other loan ch�rges collected or to Ue collected in connectiou with the LoTn exceed the permitted liinits, then; (�) any such loaii charge sh�ll be redttced by the anlouilt necessary to reduce the charg�to the permitted limit; and(b) any sums ah�eac�y eollected from Borrower which exceeded permitted limits will Ue refunded to Boi•rower. Lender may choose to malce this refund Uy reducing the principal owed Luzder the Note or by malcing a direct p�yment to Boi•rower. If�refiuid reduces principal, the reduction wi11 be treated as a pastial�repayi��ent without any prepayment char,ge(wlleth�r or not a pt'epayinen�charge is �rovided for under�he Note). Borrowei•'s acceptance of any sueh reFitizd in�e Uy direc�p�yment to Borrower will constitute a waiver of a11y right o�2ction Borrower might have arisiiig out of such overcharge. 15. Notices. All i�otices given by Borrower or Lender in com7ection with this Security Instrttinent must be in writing, Any notice to Borrower in connection with this Security Instrument sh�ll be deemed to li�ve Ueen given to Bori•ower wheii inailed by�rst class iilail oi•when actually delivared to Borrower's notice addr�ess if sent Uy other means. Notice to a�1y one Borrower s1�a11 constitute notice to all Borrawers w�less ApplicaUle Law expressly requu�es otherwise. The notice address shall Ue tlle ProperCy Adclress uiiless Borrower has 231231 NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1I01 VM P OO VM PG(NE)(1105) Wolters Kluw er Financlal Services Page 41 of 17