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Instrument to Trustee. Trustee shall reconvey the Property without warranty to the person or persons legally entitled to it. <br />Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee for reconveying <br />the Property, but only if the fee is paid to a third party (such as the Trustee) for services rendered and the charging of the <br />fee is permitted under Applicable Law. <br />24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee <br />to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is <br />recorded. Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties <br />conferred upon Trustee herein and by Applicable Law. <br />25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's <br />address which is the Property Address. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security <br />Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />Gerald P ok ski <br />STATE OF NEBRASKA, Hall County ss: /Q —�-- <br />Th for } oing instrument was acknowledged before me this /8 day of �qm atie ii <br />r —, by Gerald P Carkoski and anne R Carkoski* <br />Witness my hand and notarial seal at *A skid S the date afores <br />My Commission Expires: April 7, 2016 <br />GENERAL NOTARY -State al Nebraska <br />DANIEL ROTH <br />*Comm. Este. Apr17,2011 <br />- Witness <br />(Seal) <br />- Borrower <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 12 of 12 <br />IDS, Inc. <br />A /K /A SUZANNE CARKOSKI <br />20130071 <br />- Witness <br />Form 3028 1/01 <br />