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202305501 <br />LOAN #: 2303016860 <br />shall deprive the Secretary of any rights otherwise available to a Lender under this Section 24 <br />or applicable law. <br />25. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall <br />request Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evi- <br />dencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without <br />warranty to the person or persons legally entitled to it. Such person or persons shall pay any recordation <br />costs. Lender may charge such person or persons a fee for reconveying the Property, but only if the fee is <br />paid to a third party (such as the Trustee) for services rendered and the charging of the fee is permitted <br />under Applicable Law. <br />26. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a <br />successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in which <br />this Security Instrument is recorded. Without conveyance of the Property, the successor trustee shall <br />succeed to all the title, power and duties conferred upon Trustee herein and by Applicable Law. <br />27. Request for Notices. Borrower requests that copies of the notice of default and sale be sent <br />to Borrower's address which is the Property Address. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Security Instrument and in any Rider executed by Borrower and recorded with it. <br />JAC ., ELY RIC <br />gh-te-7 <br />GARRETT HAVEL <br />State of NEBRASKA <br />County of HALL <br />(Seal) <br />(Seal) <br />The foregoing instrument was acknowledged before me this OCTOBER 17, 2023 (date) by <br />JACQUELYN RICO AND GARRETT HAVEL. <br />GENERAL NOTARY - State of Nebraska <br />MARNIE SCHAGER SUNDERMEIER <br />My Comm. Exp. September 8, 2027 <br />Lender: Liberty First Credit Union <br />NMLS ID: 445421 <br />Loan Originator: Lisa Ann Krzycki <br />NMLS ID: 583382 <br />(Signature of Pe - on ltafking <br />Acknowledgement) <br />(k <br />(Title or Rank) <br />(Serial Number, if any) <br />NEBRASKA — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Modified for FHA 9/2014 (HUD Handbook 4000.1) <br />ICE Mortgage Technology, Inc. Page 11 of 11 <br />Form 3028 1/01 <br />NEEFHA15DE 0721 <br />NEEDEED (CLS) <br />10/13/2023 07:36 AM PST <br />