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201301942 <br /> [ ] Annually Adjusting Variable Rate Feature The Calculated Interest Rate cannot be more than <br /> 2.0% higher or lower than the Existing Interest Rate, nor can it be more than 5.0% higher or lower <br /> than the Initial Interest Rate. <br /> [X] Monthly Adjusting Variable Rate Feature The Calculated Interest Rate will never increase <br /> above TWELVE AND 834/1000 Percent(12.834%) <br /> The Calculated Interest Rate will be adjusted if necessary to comply with these rate limitation(s)and <br /> will be in effect until the next Change Date. At any Change Date, if the Calculated Interest Rate <br /> equals the Existing Interest Rate,the interest rate will not change. <br /> 23. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall <br /> request Trustee to re-convey the Property and shall surrender this Security Instrument and all notes <br /> evidencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property <br /> without warranty to the person or persons legally entitled to it. Such person or persons shall pay any <br /> recordation costs. Lender may charge such person or persons a fee for reconveying the Property, <br /> but only if the fee is paid to a third party (such as the Trustee) for services rendered and the <br /> charging of the fee is permitted under Applicable Law. <br /> 24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a <br /> successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in <br /> which this Security Instrument is recorded. Without conveyance of the Property, the successor <br /> trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by <br /> Applicable Law. <br /> 25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to <br /> Borrower's address which is the Property Address <br /> 26. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded <br /> together with this Security Instrument, the covenants of each such rider shall be incorporated into <br /> and shall amend and supplement the covenants and agreements of this Security Instrument as if <br /> the rider(s)were a part of this Security Instrument. [Check applicable box(es).] <br /> [ ] Condominium Rider [ ] Planned Unit Development Rider <br /> Shared Appreciation Rider [X] Other[Specify] <br /> Legal Description <br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br /> this Security Instrument and in any rider(s)executed by Borrower and and('reeccoorrddedd with it. <br /> /v! ` llt2-./C A2/24/12 (Seal) "2- " i/ 4' / (012-1626L-I-2/24/12 (Seal) <br /> Bb�wer-Lyle D. Casper) Borrower-Carolyn J. Casper <br /> I1111111111III111I1III11N 11111 11 I11111 <br /> Finale Document Services® 0279(07/07) (9 of 10) Nebraska Second Deed of Trust-HECM ADJUSTABLE RATE <br />