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201202180 Change Dale ("Current Index"). Before each Change Date, the new interest rate will be calculated by adding a margin to the Current Index. The sum of the margin plus the Current Index, subject to the rate limitations below, will he called the "Calculated Interest Rate" for each Change Date. The Calculated Interest Rate will be compared to the interest rate in effect immediately prior to the current Change Date(the "Existing Interest Rate"). Annually Adjusting Variable Rate Feature-The Calculated Interest Rate will never increase or decrease by more than two percentage points(2.0%)on any single Change Date. The interest rate will never be more than five percentage points(5.0%)higher or lower than the Initial Interest Rate stated in Paragraph 2 of the Note. X Monthly Adjusting Variable Rate Feature - The Calculated Interest Rate will never increase above 13.009%. The Calculated Interest Rate will be adjusted if necessary to comply with the rate limitation(s) described above and will he in effect until the next Change Date. At any Change Date,if the Calculated Interest Rate equals the Existing Interest Rate,the interest rate will not change. 23. Reconveyance. Upon payment of all sums secured by this Security Instrument. Lender shall request Trustee to reconvey 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 lee is paid to a third party (such as the Trustee) for services rendered and the charging of the fee is permitted under applicable 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 title, power and duties conferred 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. 26. Obligatory Loan Advances. Lender's responsibility to make Loan Advances under the terms of the Loan Agreement, including Loan Advances of principal to Borrower as well as Loan Advances for interest, MIP, Servicing Pees,and other charges shall be obligatory. 27. Riders to this Security Instrument. If one or more riders arc 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 all riders that are app(icablel _ Condominium Rider _ _ _ Pl1D Rider Shared Appreciation Rider Other Nebraska P Sec,eory lnstrnnrem ©Bay Does.Inc.06/10 Page 8