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Any notice shall be deemed to have been given to Borrower or Lender when given in the manner stated above. 2 01406021 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 transferred. 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 trust and in any riders described above signed by Borrower. liA i LL �l Margar ( M Lewandowski, Trustee of the Margaret M Lewandowski First Amended and Restated Living Revocable Trust , dated October 16, 2001 made by Margarent M Lewandowski as Settlor Margaret M. Lewandowski, Settlor of the Margaret M. Lewandwoski First Amended and Restated Living Revocable Trust, dated October 16, 2001, agress that the term `Borrower" when used in this Security Instrument shall include the settlor and the settlor acknowledges and agrees to be bound by all of the terms and covenants contained in this Security Instrument and any Riders to this Security Instrument. ACKNOWLEDGMENT: STATE OF NEBRASKA, HALL COUNTY SS: The foregoing instrument was acknowledged before me on September 16, 2014 By Margaret M Lewandowski, as Trustee and Settlor (Notary Public) Loan origination organization: Home Federal Savings and Loan Assn of Grand Island NMLS ID 446443 Loan originator: Holly Nott NMLS ID: 494666