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2O1iQ$41� : If the power of sale is invoked, Trustee shall record a notice of defauk in each county in which any, part of the Property is located and shall mail copies,of such notice in the manner prescribed by Applicable Law to Borrower and to the other persons prescribed by Appiicable Law. After the time required by Applicable Law, Trustee shall give public notice of sale to the persons and in the manner prescribed by Applicable Law. Trustee, without demand on Borrower, shail seli the Property at public auction to the highest bidder at the time and place and under the, terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement at the time and piace of any previously scheduled sale. lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of exercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attorneys' fees as permitted hy Applicable Law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Reconveyance. Upon payment of ali sums secured by this Security instrument, Lender shall request Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evidencipg debt secured by this Security lnstrument to Tvustee. 7rustee shait 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 orpersons 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 Appiicable Law. 24. 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 titie, power and duties conterred upon Trustee herein and by Applicable Law. 25. 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. BY SIGN�NG BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: . � . ISeal) David J P ney - Borrower �Q,pj�a lL !��`--�� (Seaq Debra K Phinney - Borrower [Space Below This Line For Acknowledgment] INDIVIDUAL ACKNOWLEDGMENT STATE OF �� k �-- . ) ) SS COUNTY OF �� ' . On this day before me, the undersigned Notary Public, personally appeared David J Phinney and Debra K Phinney, Husband and Wite, to me known to be the individuals described in and' who executed the Deed of Trust, and acknowledged that they signed the Deed of Trust as their free and voluntary act and deed, for the uses and purposes therein mentioned. ' ` �� Given under my hand and official seal this 2 day of �i(�v�VY�.�E�i2 � • 20 1�—' By I�P�i ,t �.. �_O l � � /Y�- C�N�AL NOTARY - St�te Of Ne6(dSk2 Notary Public in and for the State of �� LAUfliE CIEMANS Residing at � �� • ��S �'�e-' My Comm. fxp, Oec. 25, 2012 l�� ,-� My commission expires LASER PRO Lending, Ver. 5.58.20.001 Copr. Harfand Financial Solutions, Inc. 1997, 2011. AlI Rights Reserved: - NE G:\LASERPRO\CFI\LPUG04.FC TR-63528 PR-166 NEBR74SKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Page 7 of 7 _