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24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a <br />successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in which this <br />Security Instrument is recorded. Without conveyance of the Property, the successor trustee shall succeed to all <br />the title, power and duties 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 <br />Borrower's address which is the Property Address. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />Witnesses: <br />1, Amy L Otto <br />hereby certify thatBrandi K Billips, a single person <br />Witness my hand and official seal this 24th day of <br />My Commission Expires: 09/27/2017 <br />1 <br />GENERAL NOTARY - State Nebraska <br />AMY L OTTO <br />My Conn. Exp. Sept. 27, 2017 <br />Loan Originator Organization: Charter West National Bank <br />NMLSR ID: 466077 <br />Individual Loan Originator: Amy L Otto <br />NMLSR ID: 491143 <br />201402507 <br />Borrower Brandi K Billips <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />[Space Below This Line For Acknowledgment] <br />STATE OF Nebraska ) <br />) ss: <br />COUNTY OF Hall ) <br />, a Notary Public in and for said county and state, do <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents <br />of the foregoing instrument, have executed same, and acknowledged said instrument to be her , free and <br />(his, her, their) <br />voluntary act and deed that she executed said instrument for the purposes and uses therein set forth. <br />(he, she, they) <br />April , 2014 <br />(Seal) <br />(Seal) <br />NEBRASKA—Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 30281/01 (page 9 of 9 pages) <br />12439.CV (6/13) 911669 Creative Thinking, Inc. <br />GOTO(002128a4) <br />