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� ��14��5�� compared t�the interest rate �n effect�mmediately pri�r to the current�hange Dat��the "Exist�ng �nterest Rat�"}. The Calculated Interest Rate will ne�er in�rease abo�e 7,532% The�alculated Interest Rate will be adjusted if necessary to comp]y with the rate limitation(s�described abo�e and w i�l be in effect unt��th�next Change Date. At any chai�ge date, �f the�a�cul ated Interest Rate eq ua1 s the Exi sti ng I nter�st Rate,the interest rate wi 11 not change. 24.Recan�eyance. Upon payment vf a11 sums secur�d by this Sec«rity Instrument, Lender sha�1 request Trustee to recon�ey�he Property and shall surr�nder this Security �nstrument and all notes e�id�ncing debt secured by th i s Security I nstrum�nt to Trustee. Trustee shall rf:con�ey the Prop�rty without warranty t�the person or persons lega��y entitled ta it. Such pers�n or persons shall pay any recardation costs. Lender may charge such persan or persons a fee f�r recon�e��ing�he Property, but on�y if the fee is paid t�a third party�such as the Trustee�for ser�ices rendered a��d the charging of the fee is permitted under applicable law. 25. Substitute Trustee. L�nder,at its apt�on, may from time to tirr�e remo�e Trustee and appoint a successor trustee to any Trustee appointed hereunder by an ins�rument r�corded in the county in which �his Security Instrument is recorded. Without con�eyan��of the Pr��perty,the successor truste�shall succeed to all the tit�e,power and duties conferred upon Trustee herein and by applicable law. 26. Request for Notices. B�R��TVER HEREBY RE�UESTS T��AT, UNLESS �THERWISE PRESCR�BED BY LA�V, A��PY�F ANY N�TI�E�F DEFA►JLT�R N�TI�E�F SALE PURSUANT T�THE N�NJUI]I�IAL F�RECL�SURE�F THIS DEED�F TRUST BE MAILED T� B��R�WF R AT B�RR��VER'S MAI LIN� ADDRESS SE�� F�RTH H EREIN. 27.Riders to this Security Instrument. If one or more riders are��xecu�ed by B�rrow�r and recorded together with this Security Instrument,the co�enants of each such rider shall be incorporated into and sha�l amend and supplement the covenants and agreements of this '�ecurity �nstrument as if the rider(s} were a part of this Security Instrument. (Check a�p]icahle box�es}.� Condflminium Rider Plar�ned Unit De�e�opment Rid�r �ther[Specify] B Y S I GN ING B EL��V, Borrower accepts and agrees��the term�,and co�enants cantai ned i n thi s Security �pstrumen�and in any rider{s}executed by Borrower and recorded with it. . . � -� SEAL} �� GERALD R. KUHLMANN Date r � � .�_��1�r:t�� s-�..-- S EA L �� . � �-- / ��-�� .�"� � } � LE�RA L. KUHLMANN �a�� Page 1 D of I 2 HEC M Se�ond Deed�f Trust--: