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�oiooss3s pawer of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et se . by requesting a foreclosare commissioner designated under the Act to commence foreclosure and 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 l.ender 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 Aroperty and shall surrender this Security Instrument and all notes evidencing debt secured by this Security Instrument to Trustee. Trustee shall recanvey the Praperty without warranty to the person or persons le�ally entitled to it. Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee far recanveying the Property, but only if the fee is paid ta 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 tha title, power and duties conferrad upan 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 Barrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into artd shall amend and supplement the covenants and agreements of this Security Instrument as ifthe rider(s) were a part ofthis Security Instrument. [Check applicable box(es)]. ❑ Candominium Rider ❑ Graduated Payment � Other [Specify] ❑ Planned Unit Development Rider ❑ Growing Equity Rider NIFA Mortgage Adden 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: � , • ie.► (Seal) Borrower Shannon L Ziska Borrpwer f3arrower Borrpwer (Space Below This Line For AcknowledgmentJ STATE OF Nebraska COUNTY OF Hall ) ) ss: ) (Seal) ��a�� (Seal) The foregaing instrument was acknowledged before me this 17th day of November 2010 , by Shannon L Ziska, a sin le erson Witness my hand and official seal. My Commission Expires:07/30/2014 � GEMERAI N01ARY - S�te of Nebrask� R06F.RiA L REEp L Ny Comm. Exp. July 30, 2014 1625G.CV (I I/07) 904158 . Notary ub ic Roberta Reed Pagc 5 of 5 CiOTO(D013b697)