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2� 15�7448 persons,enti�ies or Successors in�n�teres�of B�rro�ver or in axnounts less than the amoun�then due,shall not be a v�rai�rer of or prec�ude�he exercise af any righ�or remedy. 13.Joint and Severa�Liability;�o�-signers;Suc�essors and Assigns Bound.Barr�wer c��enan�s a�.d agrees that Borrower's �bligations and �iability sha11 be�oint and several. Howev�r, any B�rrower who ca�s�gns�his Securi�y �ns�rument but d�es n��execu�e the N�te�a"c�-s�gner"}:�a}is co-sign�ng�his Secur�ty�nstrument aniy t�mar�gage, gran�and con�ey the c��-signer's in�eres�in th�Property under th��erms of�his Securi�y�nstrument;�b}is no�persona�ly ab��ga�ed�o pay th�sums secured by this Security�nstrument;and�c}agrees�hat Lender and any other Borrov�er can agree ta ex�end,modify,forbear or make any a�commoda�ions with regard to�he terms�f�h.is Secur�ty Instrument or the No�e without�he co-s�gn�r's consent. Subjec�to the pro�isions of Secti�n 18,any Successor�n�nteres�of Barr�wer vvha assum�s Borrfl�nrer's obl�gatians under this Security Instrumen�in wr��ng,and�s approved by Lender,shall obtain a11�f B�rrovver's rights and benef�ts under�his Security Ins�rument. B�rr��ver shall not he released from Borrawer's �bli�;atians a�a.d liability under fhis Securi�y �nstrumen�unless Lender agrees to such release in wri��ng.The co�enar�ts and agr�emen�s of�ais Securi�y Instrumen�shall bind�excep�as provided in Section��and 6enef t the successors and assigns of Lender. 14.Loan Charges.Lend�r may chaxge Borrower fees for ser�ices performed in cannect�on�vith Borrov�rer's defaul�, f�r the purpose of protect�ng Lend�r's interes��n the Proper�y and r�ghts under this Security Instrument,inc�uding,bu� no�Iimited to,attorneys'fees,property inspec��on and va�uat�an fees.In regard to any o�her fees,the absen��of express autharity in�hrs S�curit�Instrumen��o chaxge a spe�if c fee�o B�rrower sha�l no�be cans�rued as a prahib��zon on�he charging of such fee. Lender may not charge fees �ha� are expressiy pr�hibited by �his Securit� �nstrum�nt tir by Applicab�e Law. �f the Laan is subjec�ta a�a�r which sets maximum iaara charbes, and that la�v is finally interpreted so�hat the in�eres�or other�oan charges co��ected or�o be coll�cted in cannecti�n vvi�h th�Loan exceed�he permitted��mi�s,then: �a�any such�oan chaxge shal�be r�duced l�y the amoun�necessary to reduce the�har��o�he permitted limit;and�b�any sums already collect�d fram Bararovr�er v�rh�ch exceeded permit�ed��mY�s w�ll be refunded t�Borrower. Lender may choose to make this refund b�reducing�he princrpa.�owed und�r the Nate or by making a dzr�ct payment to Borrovrrer.�f a refund reduces principal,the reduc�ion will be�rea�ed as a partia.�prepayment vv��haut any prepaymen�charge�v�rh�ther or not a prepaymen�charge�s pravided for under the Note�.Barrovver's acceptance of any such refund made by direct payment to Barrov�er will cons�itute a waiver of any right of a�t�4n Barrower migh�have arising aut of su�h o�v�rcharge. 15.Notices.A�1 n�tices g�ven by Borr�wer or Lender in connection w��a�his S�curity�ns�rument must be in writing. Any natice to Borrower�n conn�c�ian wi�h this Security Instrumen�shall be d�emed�o ha�e�een given to Borr�wer when mailed by f rst c�ass mai�or�v�rhen actua�Iy del�vered�c�Borrower's notice address�f sent by o�her means.Notice ta any one B orrower shall constitute notice t�a.�1 B orrowers unless Applicable Law ex�ress�y requires��h�rwise.The no�i�e address shall be�he Proper�y Address unless Borrov�er has designat�d a substi�ute no��ce address by noti�e ta Lender. Borrower sha�I promptly notify Lender of Borrower's change�f address.�f Lender specifies a procedure for reporting Borrovver's change af address,then Borrov�rer sha.1��nly re�ar�a change flf address�hrough tha�speci�ied proc�dure. There may be only one designat�c�notice address under th�s Securi�y zns�rument at any on�time.Any natic�ta Lender shall be g��n�y del�vering i�or by mailing��by first class mail�o Lender's address stated h�r�in unless L�nder has designated ano�her address by nati�e to Borrower,Any no��ce in conn�c�ion vrri�h this Security Instrument sha��n��be deemed ta have be�n g��en�o L�nd�r un��i ac�ua�ly recei�ed�y L�nder.If any notice requzred by this Secur��y znstrumen� is also required under Applicabie Law,the Applicab��Law requiremerit w�l�sa�isfy�h�correspanding requi.rem�nt under �h�s Se�uri�y Ins�rument. 16.Governing Law;Severab�lit�;Ru�es of Constru��ion.Thzs Secur�ty�nstrument shall�e go�erned by federal Iaw and the Iaw of th�jurisdic�ion in which the Property is located.A11 r�ghts and�bliga�ians c�ntained�n this Securz�y �nstrumen� are subject to any r�quirem�nts and li�itatians of Applica�Ie Lavv, Applicable Law migh� explici�Iy o�r �mpl�c�t�y allow the parties to agree by contrac� or i�migh�be si�ent, but such s�I�nce shall nat be construed as a prohibition against agr�emen�by contract.In the e�en�tha�a.��pr�visian�r clause of�his Securi�y Instrument ar�he NEBRASKA-Sing�e Family-Fannie Mae�Freddie(�ac UNiF�RM lNSTRUMENT Farm 3��8 �IQ� Page 9�f�3 � ��' . � ios,�nc. 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