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2� 1 ��87 persons,en�ities or Successors in Znterest of Borrower or in amounts less�han the amount�hen due,shall na�be a waiver of ar preclude th�e�erc�s�af any right or r�medy. 13.JQint and Severai Liab�Iity;�a-signers;Su��essar�and Ass�gns Bvund.Borrovsrer co�enants a�.d agrees tha� Borrower's obi�ga��ons and liability shall b�joint and se�vera�. However, any Bo�rrower wha co-signs this Security Instrument but does not execute the Nate�a"ca-signer"�;�a}is co-sig�ing this Secur��y�nstrument only to mor�gage, bran�and convey the ca-signer's�nterest in the PrQper�y unde��he�erms of this�ecurit�rnstrum.ent;�b}is not personally �biiaa�ed to pay the sums s�cured by�his S�curity Ins�rument;and�c}agrees tha�Lender and any other Borrower can a�r�e ta extend,mod�fy,f�rbeax or make any accflmmodations with regard�o�he terms of�his Security�nstrurnent or the Note vvithout the coMsigner's cansen�. Sub�ect��the provisions of Sec�i�n 1$,any 5uc�essor in�nterest of B�rroW�r v�ho assumes Borrawer's ob�iga�ions under th�s Security�nstrumen��n wri�ing,and is approved by Lender,shall ab�ain al�of Borrawer's rights and benefts under this Securi�ty Instrument. Barrower shall not be released fr�m Barrawer's ob�igations and liability under�his Security Ins�rument unless Lende�r agrees to such release in writing.The co�enan�s and agre�ments of this Security �nst�rument shall bind�except as provided in Sec��n 2�}and b�nef t the su�cessors and assigns af Lender. 14.Loan Charges.Le�der may char�e Barrower fees far ser�ices performed in connectian w�th Borrower's default, for the purpose of protec�ing Lender's in�eres�in�he Property and rights under this Security 7ns�rument,inG�uding,but nat limited�o,at�orneys'fees,proper�y inspecti�n and valuation fee�.�n regard t�any other f��s,the a�s�nce of expr�ss au�hor�ty in this Securi�y�ns�rumen��o charge a spec�fic fee�o Barrovver shall no�b�construed as a prohibition on the charginb of such fee. L�nder may nat �harge fees tha� are e�pressly prohibited by this �ecurity Instrum�nt or by Applicable Law. �f�he Loan is subje�t�a a Iaw v�rh�ch se�s maximum loan charges, and that law is fzna�ly in�erpreted sa tha�the in�erest or ather��an chaxg�s�ol�ec�ed or�o be collected in�ox�x�ec�ion vvith�he Loan ex�eed the p�rmitted�imi�s,th�n: �a�any such Xaan charge sha��b�reduced by th�amaunt necessary to reduce�he charge to the perm�tted l�mit;and�b}a.ny sums already eollected fr�m Borarower which exceeded perrr�it�ed limits v�ill be refunded to Borrower.Lender may choose�o make�his refund by r�duc�ng the principa�avved und�r�he Not�o�by making a direct payment�o Barrower.�f a refund reduces prin�ipa�,�he reduc�ion vSrill be treated as a partial prepayment wi�h�ut any prepayment charg��whe�her or not a prepa�ment charg�is prov�ded for under the No�e}.Borrower's accepta.nce of any such refund made b�direc� paym�n�ta Borrower will cons��u�e a v�aiver of any r�ght ofactian Borrower m�ght ha�e arising aut of such overcharge. 15.Notf ces.Ali notices given by Barrov�er or Lender xn cannection with this Security�ns�rum�n�mus�b�in writing. Ariy n�tice to Borrower in connectzon v��h�his Security zns�ru�nent sha11 be deemed t�ha�e been gi�r�n�o Bor�ower when mailed by first c�ass ma�l or when actua�ly deliv�red�o B�rrav�rer's no�ice a�idress if sen�b�other means.No�ice t� any one 8 orrower shall cnnstitu�e natic��o all B arrowers unless Applicable Law expressly requzres�therwise,The natice address sha��be the Prop�rty Address unless Borrower has el�signa�ed a substi�ute no�ice address by no�ice�o Lender. Borrower shall promp�ly n�t�fy Lender of BQrr�wer's change of address.�f Lender specif es a procedure for rep�rting Barrow�r's change of address,�hen Borro�v�r shall anly r�part a change of addr�ss through tha�specified procedure. There may be oniy ane designated�.ot�ce address under this Securxty Instrument at any ane�ime.Any nat�ce ta Lend�r shail be given by d�livering i�or by maiiing it by fzrst ciass mail to L�nder's address sta�ed here�n unless Lender has designated anather address by notice��Bor�ro�ver.Any n�tice in�onnection wi�h this Se�urity�nstrumen�shal�nat be deemed�fl have been given��Lender un�il a�tua�ly received by Lender.If any notic��required by this Se�urity�nstrument is also required under App��cable Lav�r,the Appli�able Law re�uirement wi11 sa�isfy the�orrespanding requirement under this Secu�rity�nstrument. 16.�overning Law;Severability;Ruies of Construc�ian.'�h�s Securi�ty Ins�rumen�shall be g�verned by fed�ra� 1av�r and�he�aw of the jurisd�cti�n in which the Pr�pe�is lv�ated,AI1 r�gh�s an��bligations contained in this Security �nstrument are subl��t to any r�quirements aa�.d limita�ions of Applicab�e Law. Applicable Law might exp�i�itly or impi�ci��y a�low the par�ies ta agree by contract ar it migh�t be silen�, but such silence shail rin� be construed as a pr�hibition against agreemen�by c�ntract.In�he even��hat any provisi�n nr ciause of�his Seeuri�y Ins��rument or the � NEBRASKA-5ingie Family-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT Farm �S �� Page 9 of 13 �os,�nc, B�rrower�s}lni#iafs s �