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2oioo~o20 shall reconvey the Property without warranty and without charge to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. 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 retarded in the county in which this Security Tnstrument 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 notices of default and sale be sent to Borrower's address which is the Property Address. 22. Riders to this Security Instrumeut. 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).] ^ Condominium Rider ^ Graduated Fayment Rider ^ Adjustable Rate Rider ^ Planned Unit Development Rider ^ Growing Equity Rider ^ Other: BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. -Witness ~.~-; ~ L BRIAN G. RUZICKA -Borrower -Witness Seal TERESA L. RUZICKA -Borrower STATE OF NEBRASKA, County ss: ,fy~ ~ f The foregoing instrument was acknowledged before me this ~~ day of ~ `'''" '~"'' a~~© , by BRIAN G. RUZICKA, and TERESA L. RUZI /l,L~l7 l? L(l! Witness my hand and notarial se_al'at~,,~y~ ~ in said Cou ,the date aforesaid. My Commission Expires: °-`C~'~ ~ ~`~ 0 GENERAL NOTARY -State of Nebraska /~ IIN MAI~NIE SCHAGEA SUNDEANIEIEFt (,~{, cwt My Comm. Exp. Sept. e, 2011 Notary Public FHA Nebraska Deed of Trust with MERS -4/96 Amended 7/04 Page 7 of 7 IDS, Inc.