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prospective participants and may furnish information in response to credit inquiries consistent with <br />general banking practices and applicable laws. If Lender sells participation interests in the Loan, Lender <br />agrees that Lender shall continue to service the Loan. <br />12. Credit Agreement. A CREDIT AGREEMENT MUST BE IN WRITING TO BE <br />ENFORCEABLE UNDER NEBRASKA LAW. TO PROTECT YOU (BORROWER) AND US <br />(LENDER) FROM ANY MISUNDERSTANDINGS OR DISAPPOINTMENTS, ANY CONTRACT, <br />PROMISE, UNDERTAKING, OR OFFER TO FOREBEAR REPAYMENT OF MONEY OR TO <br />MAKE ANY OTHER FINANCIAL ACCOMMODATION IN CONNECTION WITH THIS LOAN OF <br />MONEY OR GRANT OR EXTENSION OF CREDIT, OR ANY AMENDMENT OF, <br />CANCELLATION OF, WAIVER OF, OR SUBSTITUTION FOR ANY OR ALL OF THE TERMS OR <br />PROVISIONS OF ANY INSTRUMENT OR DOCUMENT EXECUTED IN CONNECTION WITH <br />THIS LOAN OF MONEY OR GRANT OR EXTENSION OF CREDIT, MUST BE IN WRITING TO <br />BE EFFECTIVE. <br />[Space Below Intentionally Left Blank — <br />Signature Page to Follow] <br />5 <br />