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24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by Applicable Law. 25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's address which is the Property Address. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: A , �'iy i u 6, et94,,,,, (Seal) rrower Jane E Earnest STATE OF Nebraska COUNTY OF Hall 1, Roberta L Reed , a Notary Public in and for said county and state, do hereby certify that William T Earnest and Jane E Earnest, husband and wife personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the foregoing instrument, have executed same, and acknowledged said instrument to be their , free and (his, her, their) voluntary act and deed that they executed said instrument for the purposes and uses therein set forth. (he, she, they) Witness my hand and official seal this 17th day of October , 2014 My Commission Expires: 07/30/2018 £ �ALN0TmV - Stale of Nebra�kt ROBERTA L. REED *Comm Box.* 30, 2018 Robe ' a L Reed Loan Originator Organization: Charter West National Bank NMLSR ID: 466077 Individual Loan Originator: Roberta L Reed NMLSR ID: 491146 ) ss: Borrower William T Earnest ecut6 201406648 (Seal) (Seal) Borrower (Seal) Borrower [Space Below This Line For Acknowledgment] (Seal) NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 30281/01 (page 9 of 9 pages) 12439.CV (6/13) 912620 Creative Thinking, Inc. GOTO(00320813)