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200212168 <br />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 <br />Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. <br />24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to any Trustee <br />appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. Without conveyance of the <br />Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by Applicable Law. <br />25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's address which is <br />the Property Address. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any <br />Rider executed by Borrower and recorded with it. <br />Witnesses: <br />Seal <br />obert G. Kercher - Borrower <br />ztt� (Seal) <br />Jylia D. Kercher - Borrower <br />STATE OF NEBRASKA, &iR C4) County ss: <br />The foregoing instrument was acknowledged before me this 29th day of October, 2002 <br />by Robert G. Kercher and Julia D. Kercher, husband and wife <br />Witness my hand and notarial seal at in said County, the date aforesaid. <br />My Commission Expires: <br />Notary Public <br />,PRAT NOTARY - Stag.- u .,-b!a -3 <br />Laura J. ri:; <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />Page 7 of 7 <br />IDS, Inc.- (500)554 -1972 <br />