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200504511 <br />(E) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my <br />scheduled payment before the effective date of any change. The notice will include information required by law to be <br />given to me and also the title and telephone number of a person who will answer any question I may have regarding the <br />notice. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate <br />Rider. <br />ADJUSTABLE RATE RIDER —Second Mortgage <br />© Creative Thinking, Inc. 2004 <br />15339.CV (8/04) A1614 <br />GENERAL. NOTARY -State of Nebraska <br />J. Michael Manley <br />L.z My February 22,2M9 - t X,—i ea <br />$ ower Kevin R. tionnerman <br />GENERAL NOTARY-State of Nebraska <br />7A,Tail- ;aljxa u r ^.,s <br />Borrower Beth A. Gonnerman <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Page 2 of•2 pages) <br />GOTO(000423af) <br />