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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: (Space Below This Line For Acknowledgment] STATE OF Nebraska ) ) ss: COUNTY OF Hall ) I, Amy L Otto , a Notary Public in and for said county and state, do hereby certify that Eric K Phillips, a single person 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 his , free and (his, her, their) voluntary act and deed that he executed said instrument for the purposes and uses therein set forth. (he, she, they) Witness my hand and official seal this 1st day of December , 2014 . My Commission Expires: 09/27/2017 GENERAL. NOTARY -State of Nebraska ,( AMY L OTTO " My Comm. Exp. Sept. 27, 2017 Amy L Ott Loan Originator Organization: Charter West National Bank NMLSR ID: 466077 Individual Loan Originator: Irvin J Reed NMLSR ID: 491145 &e.t Borrower Eric K P lips (Seal) Borrower (Seal) Borrower (Seal) Borrower (X GAO 201407573 (Seal) (Seal) NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 1/01 (page 9 of 9 pages) 12439.CV (6/13) 912165 Creative Thinking, Inc. GOTO(00325c08)