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persons shall pay any recordation costs. Lender may charge such person or persons a fee for reconveying the <br />Property, but only if the fee is paid to a third party (such as the Trustee) for services rendered and the charging of <br />the fee is permitted under Applicable Law. <br />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 />Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's address <br />which is the Property Address. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in all pages of this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />, <br />RICHARD Z KOSMICKI Date <br />STATE OF NEBRASKA <br />COUNTY OF HALL <br />(Official Seal) <br />GENERAL NOTARY - State of Nebraska <br />USA R. MAYE;R <br />My Comm. Exp. May 10,2015 <br />INDIVIDUAL ACKNOWLEDGMENT. <br />® 2004 -2012 Compliance Systems, Inc. EECO-0731) - 2011L2.6.544 <br />Consumer Real Estate - Security Instrument DL2036 Page 5 of 5 <br />201302010 <br />The foregoing instrument was acknowledged by RICHARD Z KOSMICKI, before me on March 8, 2013. In <br />witness whereof, I hereunto set my hand and, if applicable y offs ial seal. <br />Hall County`-, NE <br />Identification Number <br />www.compliancesystems.com <br />