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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. �j <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 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 Q.� <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 ❑ Condominium Rider ❑ 1-4 Family Rider <br /> ❑ Graduated Payment Rider ❑ Planned Unit Development Rider ❑ Bi-Weekly Payment Rider <br /> ❑ Balloon 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 /> [Seal] , "Seal] <br /> eorowar « glas J. Rowlands <br /> [Seal] �1 Seal) <br /> eOfOWef BOfOWef ryn J. lan s <br /> STATE OF Nebraska ) <br /> } ss: <br /> COUNTY OF Hall � <br /> On this 24th day of September 1999 , before me, the undersigned, a Notary Public duly <br /> commissioned and qualified for said county, personally came DOUq18S J. Rowlands and Kathryn J. RowlendS , <br /> Husband and Wife, 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 GP8r1d (SIBnd in said county, the date aforesaid. <br /> J o �My Commission expires: �� � � a ��3 QIA.C�4- <br /> � Notar ublic <br /> � <br /> �NERAL NOTARY�State oi Nebraska <br /> ��� KAROLYN VOND RONE <br /> MyComm.Exp. 1'O3 <br /> r <br /> F1316.LM0 (1/99) Page 5 of 5 <br /> J <br />