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22. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. 23. 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 titie, power and duties conferred upon Trustee herein and by applicable law. 24. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's address which is the Property Address. 25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together � with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and � supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. � � � � � [Check applicable box(es)) � ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 1-4 Family Rider ❑ Graduated Payment Rider ❑ Planned Unit Development Rider ❑ Bi-Weekly Payment Rider ❑ Balloon Rider ❑ Rate Improvement Rider ❑ Second Home Rider ❑ Other(s) Specify BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. � [Seal] , ' Seaq B°"°"'e' eoro oh Nowicki [Seal] �• ��'�`�-� Seal] B°«°WB� B�«�W Jennif L. Nowicki STATE OF Nebraska � ss: COUNTY OF Hall On this 26th day of _ J8I1U81'V , 2000 , before me, the undersigned, a Notary Public duly commissioned and qualified for said county, personally came JOhn Nowicki and Jennifer L. NOwiCki . HuSband and Wife, As Joint Tenants to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and acknowledged the execution thereof to be their voluntary act and deed. Witness my hand and notarial seal at GI'Blld (SI811d in said county, the date aforesaid. My Commission expires: 'm � � ��3 � Q�J�p Y � Notary ublic GENERAL IdOTAFY Sfate o�'�-�b�asY� �� KARCLYN VONDE^'��'F ' x'1,_� MY�nm�n 'rxp.�=��.� F1318.LMG (1/99) Page 5 of 5 �