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2� 1 ��3474 �6.Adjustabl�-R.ate F�a�ure.Under the Na�e, th�initial��at�d interest rate�f 3.979°IQ whiGh ac�rues �n the unpaid pr�ncipa�ba�ance("Znitial �nterest�ate"}is SubJeC�to��a.n�e,as describ�d bel�w. When the zn�erest ra�e�l�an�es,the n��adjusted in�er�st rate w�il �e applied�Q�he to�a�Qutstand�r��prin�ipal balance.Each ad�us�ment to the interest rate vvi��be based upan�h�aW�rage af interbar�offe�ed rates for one-��ear U.�.da��ar den�minated deposits in�he L�ndon Market�"LIB�R"�,as published�n The Wal1 S�ree�Journal�"Index"�,r�unded to�hree digits ta the righ�of tl�e decimal po�nt,pius a margin. Tf the Znde�i�no I�nger availab�e,Lend�r will be required tv us�any index prescribed by tl�.�Depar�m�nt �f H�usinb and Urban De�velopment.Lender wi��give Borrower notice of ne�v index. I.end�r wi��perfQrm�he�al�ula�ians d�scribed belo�v�o determine the new adjust�d in�erest rate. The inter�st ra�e may�hat��e on June 1,2�17 and un that day�f�a�h suc�eeding year. "Change Date" means each date in��ich the�ntez-��rat�couXd chan�e. The�a1ue af the Index�rill be d�term�ned,usin��he mos�rec�n��nd�x figure avaiiable thirty�3�}da��s before t11��hanae Date�"C~urrent Inde�"�. Befo��ea�h�hangz D�te,the r�ew�nterest rate wil�be �a�cu�at�d by adding a margin to the Current�ndex. The sum of the margin p�us�he�urren�Index will �ae�a1�ed the"�a�culated Interes�Rat�"for each Chan��L3a��. The�ai�uiated In�ere��Rate will be �ompared t��he�nteres�ra#.e in.effect immed�at�i�priar to th�eurrent�hanae L�a�e��he"Existing �nter�st Rate"�. The�a��ulat�d In�erest Rate�anno�b�ma��han�.D percen�.age points hi�her or�o��er than the Existin��nterest Rate,nor can i�be more than S.�perc�ntage pflints higher or lovver�han�h�In�t�a1 Interes�t Ra�e. 7'h�Calculated Inter�st Rate�ui�l be ad�usted if nece�sary t�c�rnpi��vi�h the rate�imi�a��an�s�described above and wi11 b�in effect untii the n�xt�hange Da�e.At any�hang�da�e,�f the�al�u�a�ed Inter�st Ra�e�quals the E�is�ing In��r�st Rate,�he interest rat�will no��han�e. �7.�e�on�eyance. Upan pa�ment of al�sums s��ured bv�his Securi�y Ins�t•ur-nent, Len�ler shal�request Trus�e�ta re-c�nvey the T�rapez�y and shall surrender this Se�urity Instrument and all no�es�viden�ing deb�secured by this S�curity I�.strumellt to Trus�ee. Trus�ee shall reconve�the Properry�v�thaut warranty to the persan or pers�ns I�gal�y entitled to i�. Su�h person or p�rsons s��al�pay any recarda�iQn �osts. Lender may�harge such persan or p�rsons a fee for recon�eying th�Pro�erty,bu�on�y if the fee is pazd to a th�rd par�y�such as th�Truste�}for��rvices rendered and�he�hargin�af�he f�e is permztted ��nder applicable�aw. zS. Substitute Trust�Q.Lender,at its aption,may from�ime to tim�rema�e Truste�and appoint a su�cess�r trus�ee to an�Trus�ee appo�n�ed hereunder by an ins�rument rec�rded in ti��eounty�n wh�eh this Secur�ty Instrumen�is re�orded. Without can�eyance of�he Praper�y,�he successor�rustee shali suc�eed t�aX��he title,power and du�7�s c�nferred upan Tru�te�her�in and by app�icable�av�. �9.Request for�Ta�t�ces. ��RR�]�R�ER��Y RE�UESTS THAT,L�TN�ESS QT�ERWISE PR.�SCRIB�D BY LA'LTI��A��PY[�F ANY N�TICE�F DEFAUL.T QR N�T�CE�F SALE PURSt.�ANT T�TH�NC�NJUDI�IAL�DRE�LC�SURE�F TH��DEEI]�F TRUST B�1VIAIT�E�] TQ B�RR�WER AT BC�RR�7 WER'S MAILI�V�ADDRESS SET F�RTH HERE�N. 3�. Riders�o this S�curity Instrument.�f one ar more riders are�xecu�ed b�B�rrower and re��rd�d �agether with�h�s 5e�uri�y Tns�rument;th�co�enants of each such rider shali be�ncorp�ra�ed into a�.d shall amend and supp�ement�he co�enants and a�reem�nts�f�his Securi�r�ns�rument as�f�he ri��r�s� gabe l i af 14 HECM Farst�]eed af Tnist-24]5