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. 200809081 power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et deq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure an to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. 19. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to re-convey 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. 20. 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. 21. 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. 22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)]. o Condominium Rider 0 Graduated Payment lXI Other [Specify] o Planned Unit Development Rider D Growing Equity Rider Mortgage Addendum BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: ~~~~ Borrower Troy G Smith ~ (Seal) (Seal) (Seal) Borrower (Seal) Borrower STATE OF Nebraska ISpace Below This Line For Acknowledgment] COUNTY OF Hall ) ) ss: ) The foregoing instrument was acknowledged before me this 28th 2008 , by Troy G Smith and Nikol S Smith, husband and wife day of October Witness my hand and official seal. My Commission Expires: 07/30/2010 A GENERAL NOTARY - State of Nebraska ilml ROBERTA L. REED .~ My Comm. Exp. July 30, 2010 16256.CV (i 1/07) 902214 .~ Page 5 of5 GOTO(000994e8)