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200704642 9902211177 daes nat execute the Nate (a "co.-signer"): (a) is co.-signing this Security Instrument anly to. martgage, grant and canvey the ca- signer's interest in the Property under the terms afthis Security Instrument; (b) is nat persanally abligated to. pay the sums secured by this Security Instrument; and (c) agrees that Lender and any ather Barrawer can agree to. extend, madify, farbear ar make any accammadatians with regard to. the terms af this Security Instrument ar the Nate withaut the ca-signer's cansent. Subject to. the provisians af Sectian I 8, any Successar in Interest af Barrawer who. assumes Barrawer's abligatians under this Security Instrument in writing, and is appraved by Lender, shall abtain all afBorrower's rights and benefits under this Security Instrument. Barrawer shall nat be released fram Barrower's abligatians and liability under this Security Instrument unless Lender agrees to. such release in writing. The cavenants and agreements af this Security Instrument shall bind (except as provided in Sectian 20) and benefit the successars and assigns afLender. 14. Loan Charges. Lender may charge Barrawer fees far services perfarmed in cannectian with Barrawer's default, far the purpase af protecting Lender's interest in the Property and rights under this Security Instrument, including, but nat limited to., attarneys' fees, property inspectian and valuatian fees. In regard to. any ather fees, the absence af express authority in this Security Instrument to. charge a specific fee to. Barrawer shall nat be canstrued as a prahibitian an the charging af such fee. Lender may nat charge fees that are expressly prohibited by this Security. Instrument ar by Applicable Law. If the Laan is subject to. a law which sets maximum laan charges, and that law is finally interpreted sa that the interest ar ather laan charges callected ar to.. be callected in cannectian with the Laan exceed the permitted limits, then: (a) any such laan charge shall be reduced by the am aunt necessary. to. reduce the charge to. the permitted limit; and (b) any sums already callected from Barrawer which exceeded permitted limits will be refunded to. Barrawer. Lender may chaase to. make this refund by reducing the principal awed under the Nate ar by making a direct payment to. Barrawer. If a refund reduces principal, the reductian will be treated as a partial prepayment withaut any prepayment charge (whether ar nat a prepayment charge is provided far under the Nate). Barrawer's acceptance o.f any such refund made by direct payment to. Barrawer will canstitute a waiver af any right af actian Barrawer might have arising aut af such avercharge. 15. Notices. All natices given by Barrawer or Lender in cannectian with this Security Instrument must be in writing. Any natice to. Barrawer in cannectian with this Security. Instrument shall be deemed to. have been given to. Barrower when mailed by first class mail ar when actually delivered to. Barrawer's natice address if sent by ather means. Natice to. any ane Barrawer shall canstitute natice to. all Barrawers unless Applicable Law expressly requires atherwise. The natice address shall be the Praperty Address unless Barrawer has designated a substitute natice address by natice to. Lender. Barrawer shall promptly natify Lender af Barrawer's change af address. If Lender specifies a procedure far reparting Barrawer's change af address, then Barrawer shall anly repart a change af address through that specified procedure. There may be anly ane designated natice address under this Security Instrument at any ane time. Any natice to. Lender shall be given by delivering it ar by mailing it by first class mail to. Lender's address stated herein unless Lender has designated anather address by natice to. Barrawer. Any natice in cannectian with this Security Instrument shall nat be deemed to. have been given to. Lender until actually received by Lender. If any natice required by this Security Instrument is also. required under Applicable Law, the Applicable Law requirement will satisfy the carrespanding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be gaverned by federal law and the law afthejurisdictian in which the Property is lacated. All rights and abligatians cantained in this Security Instrument are subject to. any requirements and limitatians af Applicable Law. Applicable Law might explicitly ar implicitly allaw the parties to. agree by cantract ar it might be silent, but such silence shall nat be canstrued as a prohibitian against agreement by cantract. In the event that any provisian ar clause af this Security Instrument ar the Nate canflicts with Applicable Law, such canflict shall nat affect ather provisians afthis Security Instrument ar the Nate which can be given effect withaut the canflicting pravisian. As used in this Security Instrument: (a) words af the masculine gender shall mean and include carrespanding neuter wards ar words afthe feminine gender; (b) wards in the singular shall mean and include the plural and vice versa; and (c) the ward "may" gives sale discretian withaut any abligatian to. take any actian. 17. Borrower's Copy. Barrawer shall be given ane capy afthe Nate and afthis Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Sectian 18, "Interest in the Property" means any legal ar beneficial interest in the Property, including, but nat limited to., thase beneficial interests transferred in a band for deed, cantract far deed, installment sales can tract ar escraw agreement, the intent af which is the transfer af title by Barrawer at a future date to. a purchaser. If all or any part af the Praperty ar any Interest in the Praperty is saId ar transferred (ar if Barrawer is nat a natural persan and a beneficial interest in Barrawer is saId ar transferred) withaut Lender's priar written cansent, Lender may require immediate payment in full af all sums secured by this Security Instrument. Hawever, this aptian shall nat be exercised by Lender if such exercise is prahibited by Applicable Law. If Lender exercises this aptian, Lender shall give Barrower natice af acceleratian. The natice shall provide a periad o.f nat NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT e3> 338 Page 8 of 11 Form 3028 1/01