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22. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to <br />reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security <br />Instrument to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons legally <br />entitled to it. Such person or persons shall pay any recordation costs. <br />23. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee iV <br />to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. C <br />Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon C <br />Trustee herein and by applicable law. <br />24. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's <br />address which is the Property Address. <br />25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together <br />with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and <br />supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. <br />[Check applicable box(es)] <br />❑ Adjustable Rate Rider <br />❑ Graduated Payment Rider <br />❑ Balloon Rider <br />❑ Other(s) Specify <br />❑ Condominium Rider ® 1 -4 Family Rider <br />❑ Planned Unit Development Rider ❑ Bi- Weekly Payment Rider <br />❑ Rate Improvement Rider ❑ Second Home Rider <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />[Seal] I,, (Seal] <br />BOffOWef Borrower Leona F. Kluna <br />[Seal] I Seal] <br />Borrower Borrower is and W. Kluna <br />STATE OF Nebraska <br />COUNTY OF Hall ss: <br />On this 27th day of March 2000 , before me, the undersigned, a Notary Public duly <br />commissioned and qualified for said county, personally came Leona F. Kluna and Richard W. Kluna , Wife and <br />Husband, As Joint Tenants <br />to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and acknowledged the <br />execution thereof to be their voluntary act and deed. <br />Witness my hand and notarial seal at Grand Island in said county, the date aforesaid. <br />My Commission expires: T'*0 03 Q), x003 <br />ENEAI NOTARY Slate of Nebraska <br />K <br />AROIYN VONDE OH <br />y My Comm. Exp. <br />a�"o <br />V <br />Notary ublic <br />F1316.LMO (1/99) Page 5 of 5 <br />