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200008442 Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of exercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred, not to exceed % of the principal amount of the note at the time of the declaration of default, and reasonable attorneys' fees as permitted by law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 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 title, 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)] 0 Adjustable Rate Rider D Condominium Rider Ej 1 -4 Family Rider 0 Graduated Payment Rider 0 Planned Unit Development Rider El Biweekly Payment Rider Balloon Rider EJ Rate improvement Rider El Second Home Rider 0 VA Rider ® Other(s) [specify]Mortgage Insurance Rider 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. Witnesses: (Seal) Fr zer e1i - Borrower - Witness � � �- (Seal) Jen Raffaeli - Borrower - Witness (Seal) - Borrower STATE OF NEBRASKA, Hall County ss: (Seal) - Borrower The foregoing instrument was acknowledged before me this 2nd day of October 2000 by Frazer Raffaeli and Jennah Raffaeli, Husband and Wife. Witness my hand and notarial seal at Grand Island, =16Z_ a in said ount�oL y, the date aforesaid. My Commission Expires: January 30, 2004 N otary Public -6R(NE) (9212).02 m (l GENERAL NOTARY -State of Nebraska DEBRA J. KOZAK My Comm. EW JK 30.2004 Page 6 of 6 Form 3028 9/90