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201109351 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this S�urity Instrument granted by Lender to Bonower or any Successor in Interest of Bonower shall not operate to release the liability of Bonower or any Successors in Interest of Bonower. Lender shall not be required to commence proce�iings against any Successor in Interest of Bonower or to refuse to extend time for payment or othervvise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remefly including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Bonower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Bonower covenants and agrees that Bonower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Se,curity Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this S�urity Inst�ument only to mortgage, grant and convey the co-signer's inter�t in the Property under the terms of this S�urity Insmiment; (b) is not personally obligated to pay the sums s�ured by this Security Instnament; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbe�ar or make any accommodations with regazd to the terms of this Security Instrument or the Note without the co-signer's consent. Subj�t to the provisions of Section 18, any Suc.cessor in Interest of Borrower who assumes Bonower's obligations under this S�urity Instrument in writing, and is approved by Lender, shall obtain all of Bonower's rights and benefits under this S�urity Instrument. Borrower shall not be released from Bonower's obligations and liability under this Security Instrument unless Lender agr�s to such release in writing. The covenants and agreements of this S�urity Instnunent shall bind (except as providefl in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Bonower fees for services performed in conn�tion with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this S�urity Instrument, including, but not limited to, attomeys' f�s, property inspection and valuation fe,es. In regazd to any other f�s, the absence of express authority in this Security Instrument to charge a spe�ific fee to Bonower shall not be construed as a prohibition on the chazging of such f�. Lender may not charge fces that aze expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subj�t to a law which sets �r�mum loan chazges, and that law is finally interpreted so that the interest or other loan charges collected or to be coll�ted in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to refluce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will lze refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a dir�t payment to Borrower. If a refund reduces principal, the rednction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment chazge is provid� for under the Note). Borrower's acceptance of any such refund made by dir�t payment to Bonower will consritute a waiver of any right of acrion Borrower might have arising out of such overcharge. 15. Notices. All norices given by Borrower or I.ender in connection with this Security Instrument must be in writing. Any norice to Borrower in conn�tion with this 5ecurity Instrument shall be d�med to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's norice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Bonower has NEBRASKA-Single Family-Fannie Mae/Freddie Mec UNIFORM INSTRUMENT VMP � Wolters Kluwer Finandal Services Fo� ao2a , roi VMPBINE) (1106) Page 11 of 17