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2oiooss4~ Trustee, without demand on Borrower, shall sell the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of sale in one ar more parcels and in any order Trustee deterrnines. Trustee may postpone sale of all or an parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of exercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attorneys' fees as permitted by Applicable Law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 21. Lien Priorit~-. The full amount secured by this Security Instrument shall have the same priority over any other hens on the Property as if the full amount had been disbursed an the date the initial disbursement was made, regardless of the actual date of any disbursement. The amount secured by this Security Instrument shall include all direct payments by Lender to Borrower and all other loan advances permitted by this Security Instrument for any purpose. This lien priority shall apply notwithstanding any State constitution, law or regulatbn, except that this lien priority shall oat affect the priority of any liens for unpaid State or bcal governmental unit special assessments or taxes. 22. Adjustable Ram Feature. Under the Note, the initial interest rate of 2.538 which accrues on the unpaid principal balance ("Initial Interest Rate") is subject to the change, as described below. When the interest rate changes, the new adjusted interest rate will be applied to the total outstanding principal balance. Each adjustment to the interest rate will be based upon the average of interbank offered rates fvr one-month U.S. dollar~,tenominated deposits in the London market ("LIBOR"), as published in The Wall Stnaet Journal, rounded to three digits to the right of the decimal point, ("Index plus a margin. If the Index is no longer available, Lender will use as a new Index any index prescri by the Secretary. Lender will give Borrower notice of the new Index. Lender will perform the calculations described bebw to determine the new adjusted ' erect rate. The interest rate may c~ige on the first day of AGTpBER 201p and on that day of each succeeding. year x the first day of each succeeding month ("Change Date") u iI the loan is repaid in full. The "Current Index" means the most recent Index fiiggure available 30 days before the Change Date, and if the day that is 30 days before the Change ©ate is not a Sunday or Monday and not the first business day of the week, the Current Index will be the Index as published the first business day of that week. If the day that is 30 days before the Change Date is a Sunday ar Monday and not the first business day of the week, the Current Index will be the Index as published the first business day of the immediately poor week. Before each Change Date, the new interest rate will be calculated by adding a margin to the Current Index. The sum of the margin plus the Current Index will be called the "Calculated Interest Rate" for each Change Date. The Calculated Interest Rate will be compared to the interest rate in effect immediatety prior to the current Change Date (the "Existing Interest Rate"). ^ Annually Adjusting Variable Rate Feature) The Calculated Interest Rate cannot be more than 2.0% higher or lower than the Existing Interest Rate, nor can it be more than 5.0% higher or lower than the Initial Interest Rate. 0 (Monthly Adjusting Variable Rate Feature) The Calculated Interest Rate will never increase above ~LV~ Apo 538/1000 percent ( 12.538 %). The Calculated Interest Rate will be adjusted if necessary to comply with these rate limitation s} and will be in effect until the next Change Date. At any Change Date, if the Calculated Interest ate 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 recanvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without warranty to the person ar persons legally en#itled to it. Such person or persons shall pay any recordation costs. Lender may charge such person or rsans a fee for reconveying the Property, but only if the fee is paid to a third party (such as the Trustee) far services rendered and the charging of the fee is permitted under applicable law. First American Loan Production Services Nebraska HELM ARM Security Instrument ~ 201)8 First American Real Estate Solutions LLC FALPS # YQ77 : 05/f)8 Page 7 NMFL #8913NE (QKNE)