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��14����5 <br /> In�erest Ra�e"�. <br /> The Calcu�ated Interest Rat�vvil�never�ncrease above 12.�D6% <br /> The Ca�culated In�erest Ra�e wi�l be adjusted if necessary to�omp�y with the rate 1im��at�an�s}described <br /> above and v�i��be in effec�u�ti�the ne�t�hange Da�e.At any change da�e, �f�he�a�cula�ed Interest <br /> Rate equals�h�Exist�ng Interes�Rate,the in�erest ra�e wi11 no�change. <br /> 23.Reconveyance. Upan paymen�of a��sums secured by this S��urxty Ins�rument, Lend�r sha��request <br /> Trus�ee to recon�ey the Praperty and shall surrend�r th�s Secur�ty�ns�rumen�and all no�es e��dencing <br /> deb�secured by th�s Secur��y�ns�rumen��o Trustee. Trus�ee shall recon�ey the Propert�withou� <br /> vvarran�y�o�he person ar persons legal�y en�itl�d�o�t. Such person or persons sha�l pay any recardation <br /> �osts. Lender ma�charge such person or persans a fee for recanveying the Pr�per�y,bu�only if the fee <br /> is paid t�a third party tsuch as the Trus�ee}for servzces rendered and the char�ing of the fe��s permit�ed <br /> under applicab�e la�e <br /> 24. Substitute Trustee.Lender, a�its opt�on,may from�ime to�ime remave Truste�and appo�nt a <br /> successor trustee�o any Trustee appo�n�ed hereunder by an instrument recarded�n the c�un�y�n v�rhich <br /> th�s Security��.strument�s recorded. �Vithou�conveyance of the Praper�y,the suc�essor trus�ee shall <br /> su�ceed to a�l�he title,p�wer and du�ies conferred upon Trustee here�n and by app�icable law. <br /> �5.Request for Notices.B�RR�WER HEREBY RE�UESTS THAT, L]NLESS �THER'L7Lr�SE <br /> PRES�RIBED BY LAW,A C�PY�F ANY N�T�CE�F I]EFAULT�R.N�TI�E�F SALE <br /> PURSUANT T�T�E N�NJUD�CIAL F�RE�L�SURE�F THIS I�EED�F TRUST BE MA�LED <br /> T�B�RR��ER AT BaRR��ER'S MA�L�NG ADI�RESS SET F�RTH HERE�N. <br /> 2G.Riders ta this Security Instrument. If one nr more riders are e�e�u�ed by B�rrow�r and recorded <br /> tage�her with this Secur�t��nstrument,the�ovenan�s of each su�h r�der sha��be�ncorpora�ed in�o and <br /> shal�a7mend and supp�enlen��he co�enants and agreemen�s of th�s Securi�y Ins�rument as if�he rider�s} <br /> v�ere a par�of�his Securit_y�ns�rument. [�h�c�applicab�e�ax(es}.� <br /> Condominium Rxder P�anned Uni�Deve�opment Rider <br /> �ther[Specify] <br /> BY SI�N�NG BEL�W,Borrower accepts and agrees�a the�erms and co�enants con�a��ed in t�i� <br /> Secur�t��ns�rument and�n an_y r�der��}executed�_y Borrovver and recarded vvith it. <br /> � , <br /> �SEAL] � � ��- <br /> MEL�A SANDQU�ST Da�e <br /> Page 9 of 1� HECM 5e�ond Deed 4f Trust <br />