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[Check applicable box(es)] <br />❑ <br />Adjustable Rate Rider <br />❑ <br />Condominium Rider <br />❑ <br />Graduated Payment Rider <br />❑ <br />Planned Unit Development Rider <br />❑ <br />Balloon Rider <br />❑ <br />Rate Improvement Rider <br />® <br />VA Rider <br />❑ <br />Other(s) [Specify] <br />900004884 <br />❑ 1 -4 Family Rider <br />❑ Biweekly Payment Rider <br />❑ Second Home Rider <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and In any rider(s) <br />executed by Borrower and recorded with it. <br />Witnesses: <br />STATE OF Nebraska <br />COUNTY OF Hall <br />(Seal) <br />Borrow James C McGowan <br />a"Ij (Seal) <br />Borrower Marsha J MPowan <br />Borrower <br />Borrower <br />[Space Below This Line For Acknowledgment] <br />i ss: <br />(Seal) <br />(Seal) <br />I, Sherri O'Callaghan , a Notary Public in and for said county and state, do hereby <br />certify that James C McGowan and Marsha J McGowan husband and wife <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the foregoing instrument <br />have executed same, and acknowledged said instrument to be their , free and voluntary act and deed and that they <br />(his, her, their) (he, she, they) <br />executed said instrument for the purposes and uses therein set forth. <br />Witness my hand and official seal this 13th day of <br />My Commission Expires: September 28, 2003 <br />AAGENERALNOTARY-Stalo of Ne <br />SHERRI L. O'CALLA( <br />My Comm. Exp. Sept. 28, <br />This Instrument was prepared by: <br />F400611Mo (11/86) Page 5 of 5 <br />(Seal) <br />Form 3028 9/90 <br />