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• 201202181 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 be 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 shalt 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 reeonveying the Property, but only if the Fw 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, MEP, Servicing Fees,and other charges shall be obligatory. 27. 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 all riders that are applicable] ' Condominium Rider PUD Rider Shared Appreciation Rider Other i BY SIGNING BELOW, Borrower accepts and agrees to the terms conta' ed in this Security Instrument and in any rider(s)executed by Borrower and recorded with it. BEATRICE B FIALA (BORROWER) DENNIS L FIALA (BORROWER) Nebraska 28d Secrn'ily Immanent 8,Bay Dees,Inc.06/10 Page 8 •