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200410321 23. 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 to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee for reconveying the Property, but only if the fee is paid to a third party (such as the Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. 24. 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. 25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's address which is the Property Address. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: (Seal) ON T. RITCHIE - Borrower (Seal) LAURI A. RITCHIE- - Borrower (Seal) (Seal) - Borrower - Borrower State of NEBRASKA County of HALL The foregoing instrument was acknowledged before me this 1'717A 17A Qa � (.;�✓/ 011001 by JASON T. RITCHIE and LAURI A. RITCHIE , HUSB AND O TE (Seal) 1 '' ✓ Notary Public Q /, 6ENERALWTARV -SW ofNebra M My commission expires: U, CP60 7 MARNIE SCHAGER SUNDERMSER Icy Comm. Exp. Sept 8, 2007 NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 (Dage 13 of 13 pages)