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, 20U �004 � � � � 20. CO-SIGNERS. If Grantor signs this Security Instrument but does not sign the Secured Debts, Grantor does so only to convey Grantor's interest in the Property to secure payment of the Secured Debts and Grantor does not agree to be personally liable on the Secured Debts. If this Security Instrument secures a guaranty between Lender and Grantor, Grantor agrees to waive any rights that may prevent Lender from bringing any action or claim against Grantor or any party indebted under the obligation. These rights may include, but are not limited to, any anti-deficiency or one-action laws. 21. SUCCESSOR TRUSTEE. Lender, at Lender's option, may from time to time remove Trustee and appoint a successor without any other formality than the designation in writing. The successor trustee, without y� conveyance of the Property, will succeed to all the title, power and duties conferred upon Trustee by this Security Instrument and applicable law. � 22. WAIVERS. Except to the extent prohibited by law, Grantor waives all appraisement and homestead exemption rights relating to the Property. 23. OTHER TERMS. The following are applicable to this Security Instrument: � A. Additional Terms. Future Advances; Other Indebtedness. Upon request of Grantor, Lender may, at its option, make additional and future advances and readvances to Grantor pursuant to one or more promissory notes or credit agreements and whether advanced pursuant to a note or credit agreement specifically referenced in this Security Instrument, other promissory notes or credit agreements now existing or promissory notes or credit agreements hereafter given by Grantor (or any one or more of them if more than one) to Lender. All such future advances shall be a Secured Debt for purposes of this Security Instrument. All present and future indebtedness and obligations of Grantor (or any one or more of them if more than one) to Lender, whether direct or indirect, absolute or contingent and whether arising by note, guarantee, overdraft or otherwise, shall be secured by this Security Instrument and shall be a Secured Debt for purposes of this Security Instrument. 24. APPLICABLE LAW. This Security Instrument is governed by the laws of Nebraska, except to the extent otherwise required by the laws of the jurisdiction where the Property is located, and the United States of America. 25. JOINT AND INDIVIDUAL LIABILITY AND SUCCESSORS. Each Grantor's obligations under this Security Instrument are independent of the obligations of any other Grantor. Lender may sue each Grantor individually or together with any other Grantor. Lender may release any part of the Property and Grantor will still be obligated under this Security Instrument for the remaining Property. The duties and benefits of this Security Instrument will bind and benefit the successors and assigns of Lender and Grantor. 26. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amended or modified by oral agreement. No amendment or modification of this Security Instrument is effective unless made in writing and executed by Grantor and Lender. This Security Instrument is the complete and final expression of the agreement. If any provision of this Security Instrument is unenforceable, then the unenforceable provision will be severed�and the remaining provisions will still be enforceable. 27. INTERPRETATION. Whenever used, the singular includes the plural and the plural includes the singular. The section headings are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. 28. NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Unless otherwise required by law, any notice will be given by delivering it or mailing it by first class mail to the appropriate party's address listed in the DATE AND PARTIES section, or to any other address designated in writing. Notice to one party will be deemed to be notice to all parties. Grantor will inform Lender in writing of any change in Grantor's name, address or other application information. Grantor will provide Lender any financial statements or information Lender requests. All financial statements and information Grantor gives Lender will be correct and complete. Grantor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Grantor's obligations under this Security Instrument and to confirm Lender's lien status on any Property. Time is of the essence. SIGNATURES. By signing, Grantor agrees to the terms and covenants contained in this Security Instrument. Grantor also acknowledges receipt of a copy of this Security Instrument. GR OR• � ,� � L NDA C HOWARD ACKNOWLEDGMENT. (Individual) STATE OF NEBRASKA COUNTY pF ADAMS ss. This instrument was acknowledged before me this 7th day of January 2000 by LINDA C HOWARD. My commission expires: ��n�L�� (Seal; {Notary Public) GENERAL NOTARY State of Nebraska • III DAWN BALDWlN _ My Comm.Exp.Aug.19,2001 LINDA C HOWARD Nebraska Dead Of Trust Initial PlE/�2dwind05BC000000000000004A00000046n8 °1996 Bankers Systems,Inc.,St.Cloud,MN 9�F�