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20110175� power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et se . by requesting a foreclosure 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 Lender under this Paragraph 18 or applicable law. 19. Reconveyance. Upon payment of all sums secured by this Securiry 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)]. ❑ Condominium Rider ❑ Graduated Payment ❑ Other jSpecify] ❑ Planned Unit Development Rider ❑ Growing Equity Rider BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Securiry Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: ��l o�oW� Christopher oozer .�. sorrower A y T Koozer sorrower Borrower [Space Below This Line For Acknowledgment] STATE OF Nebraska COUNTY OF Hall ) ) ss: ) (Seal) (Seal) (Seal) (Seal) The foregoing instrument was acknowledged before me this 4th day of March 2011 , by Christopher M Koozer and Amy T Koozer, husband and wife Witness my hand and official seal. My Commission Expires: 07/30/2014 �ENERAL NOTARY -�State uf Nebraska �p, ROBERTA L. REED ��'`y Nly Comm. Fxp.luly 30. 2014 16256.CV (11/07) 903622 � , tvotary Pu ic Roberta L Reed Page 5 of 5 GOTO(001520d4)