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ACKNOWLEDGMENT: STATE OF NEBRASKA, HALL COUNTY SS: The foregoing instrument was acknowledged before me o September 15, 2014 By Patrick L Fa y and Deborah A Fay, Husband and &NERD. NOTARY • State of Nebraska KEVIN 0 OTTMAN My Comm. Exp. May 19, 2017 Loan origination organization: Home Federal Savings and Loan Assn of Grand Island NMLS ID 446443 Loan originator: NMLS ID tNotary Public) Deborah A Fay ,p4 201405973 Any notice shall be deemed to have been given to Borrower or Lender when given in the manner stated above. 19. Transfer of the Property or a Beneficial Interest in the Borrower. If all or any part of the property or any interest in it is sold or transferred without the Lender's prior written consent, Lender may demand immediate payment of the secured debt. Lender may also demand immediate payment if the Borrower is not a natural person and a beneficial interest in the Borrower is sold or, ansferred. However, Lender may not demand payment in the above situations if it is prohibited by federal law as of the date of this deed of trust. 20. Reconveyance. When the obligation secured by this deed of trust has been paid, and Lender has no further obligation to make advances under the instruments or agreements secured by this deed of trust, the Trustee shall, upon written request by the Lender, reconvey the trust property. The Lender shall deliver to the Borrower, or to Borrower's successor in interest, the trust deed and the note or other evidence of the obligation so satisfied. Borrower shall pay any recordation costs. 21. Successor Trustee. Lender, at Lender's option, may remove Trustee and appoint a successor trustee by first, mailing a copy of the substitution of trustee as required by applicable law, and then, by filing the substitution of trustee for record in the office of the register of deeds of each county in which the trust property, or some part thereof, is situated. The successor trustee, without conveyance of the property, shall succeed to all the power, duties, authority and title of the Trustee named in the deed of trust and of any successor trustee. SIGNATURES: By signing below, Borrower agree to the terms and convenants contained in this deed of tru: and in ►y 'dexs desylribed bov signed by Borrower. Patrick LFay sp