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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 <br /> to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. <br /> Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon � <br /> Trustee herein and by applicable law. � <br /> 24. Request for Notices. Borrower requests that copies of the notices of defauft 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 /> � <br /> � <br /> [Check applicable box(es)] <br /> ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 1-4 Family Rider <br /> ❑ Graduated Payment Rider ❑ Planned Unit Development Fiider ❑ Bi-Weekly Payment Rider <br /> ❑ Balioon Rider ❑ Rate Improvement Rider ❑ Second Home Rider <br /> ❑ Other(s) Specify <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 /> � � <br /> [Seal] �s—�� ��—� � Seal] <br /> e°��°W8� BOfOWef Shirley M. encer � <br /> [Seal] fSeal] <br /> Borrower Borrower <br /> STATE OF Nebraska <br /> � ss: <br /> COUNTY OF Hall <br /> On this 9th day of September 1999 , before me, the undersigned, a Notary Public duly <br /> commissioned and qualified for said county, personally came Shirley M. Spencer , An Unmarried Person <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 her voluntary act and deed. <br /> Witness my hand and notarial seal at Grend ISland in said county, the date aforesaid. <br /> My Commission expires: � � � � a�p3 <br /> Notar Public <br /> GENERAI NOIARY•State ol Nebraska <br /> - III KAROLYN VONDERON <br /> y My Comm.Exp.-�_���� <br /> F1318.LMG (1/99) Page 5 of 5 <br /> � <br />