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BORROWER AND LENDER AGREE AS FOLLOWS: 1. Borrower agrees to take reasonable measures to protect the property, including, but not limited to, paying applicable taxes, maintaining property insurance, and performing necessary maintenance and repairs. If Borrower fails to take such measures, Lender may do and pay for whatever is necessary to protect the value of the property and Lender's rights in the property, including entering the property and making necessary repairs. Any amount disbursed by Lender under this paragraph shall become an additional debt secured by this Deed of Trust. 2. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 3. Lender, at its option, may from time to time remove Trustee and appoint a successor Trustee 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 law. 4. Borrower shall receive credit towards his indebtedness for any payments or adjustments made on his account at Lender which reduce the outstanding balance of said account. 5. Upon payment of all sums as herein provided, Lender shall direct Trustee to reconvey the property and shall surrender this security instrument. 6. Borrower requests that copies of all notices provided herein be sent to: IN WITNESS WHEREOF, Borrower has signed this Agreement. JEFF (EY W. CU EFORD Attorney -in -Fact or Kenneth L. Cuddeford, STATE OF NEBRASKA COUNTY OF J 9 Jeffrey W. Cuddeford 3228 W. 17 Street Grand Island, NE 68803 GENERAL NOTARY - State of Nebraska CHAD A SHEFFIELD My Comm. Exp. July 29, 2021 )SS: Borrower The foregoing instrument was acknowledged and signed before me on the J4 day of f /yy , 2018, by Jeffrey W. Cuddeford, as Attorney -in -Fact for Kenneth L. Cuddeford. Notary Public 2 2018(4618