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6. Joint and Several Liability; Co- Signers. Borrower's promises and agreements shall be joint and several. Any borrower who is not a law enforcement officer, teacher or firefighter /emergency medical technician who co -signs this Security Instrument, but does not execute the Note is: (a) co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) not personally obligated to pay the sums secured by the Security Instrument as evidenced by the Note; (c) not obligated to live in the Property as his or her sole residence for three years; and (d) agrees that Lender and any other Borrower may agree to make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 7. Notices. Any notice that must be given to Borrower under this Security Instrument will be given by delivering it or by mailing it by first class mail to Borrower at the Property address above. Any notice that may be given to the Lender under this Security Instrument will be given by mailing it first class mail to the Lender at the address stated above or at a different address, if Borrower is given notice of that different address. 8. Governing Law; Severability. This Security Instrument shall be governed by Federal Law. In the event that any provision or clause of the Security Instrument of the Note conflicts with applicable law, such conflict shall not affect other provision of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end, the provisions of the Security Instrument and the Note are declared to be severable. 9. Borrower's Copy. Borrower shall be given one conformed copy of this Security Instrument. BY SIGNING BELOW, borrower accepts and agrees to the terms of this Security Instrument. Borrowers Borrower) ALMA Y GUTIERREZ (Borrower) STATE OF NE COUNTY OF 2 0140806 HALL December 23, 2014 Be it remembered, that on this day of r before me, the Alma Y Gutierrez undersigned, a notary public in and for said County and State, came who is /are personally know to me to be the same person(s) or proven to be the same person(s) whoa single person executed the within instrument of writing and duly acknowledged the execution of the same. Given under my hand and seal this py day aim mber 2014