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J e. Interest Rate Ceiling 88-- 103 75 My interest rate will never exceed the greater of (1) 13.6258 per annum or (ii) the initial interest rate during the Initial Term plus 5.008 per annum. The interest rate I am required to pay will never be increased or decreased on any single Change Date by more than: (i) two percentage points (2%) if my Initial Term is one or two years; or (ii) three percentage points (38) if my Initial Term is three years. f. Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. g. Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 4. CUMUTATIVE RIGHTS No delay on the part of the Note Holder in the exercise of any power or right under this Note or under any other instrument executed pursuant hereto shall operate as a waiver thereof, nor shall a single or partial exercise of any power or right preclude other or further exercise thereof or the exercise of any other power or right. Enforcement by the Note Holder of any security for the payment hereof shall not constitute any election by it of remedies so as to preclude the exercise of any other remedy available to it. 5. THIS NOTE SECURED BY A MORTGAGE In addition to the protections given to the Note Holder under this Note, a Mortgage (described in this Agreement as the Security Instrument and herein so- called) protects the Note Holder from possible losses which sight result if I do not keep the promises which I make in this Note. That Security Instrument also describes how and under what conditions I may be required to make immediate payment in full of all amounts that I owe under this Note. 6. BORROWER'S PAYMENTS BEFORE THEY ARE DUE I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in a letter that I an doing so. A F prepayment of all of the unpaid principal is known as a "full prepayment." A prepayment of only part of the unpaid principal is known as a "partial prepayment." I may make a full prepayment or a partial prepayment without paying any penalty. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. I may make a full prepayment at any time. 7. BORROWER'S WAIVERS The Borrower and all endorsers, sureties and guarantors of this Note waive demand, presentment, protest, notice of dishonor, notice of non - payment, notice of intention to accelerate, notice of acceleration, notice of protest and any and all lack of diligence or delay in collection or the filing of suit hereon which say occur, and agree to all extensions and partial payments, before or after maturity, without prejudice to the holder hereof. S. GIVING OF NOTICES Any notice that must be given to me under this Note will be given by delivering it or by sailing it by certified mail addressed to me at 1426 N. G.I. Avenue, Grand Island, Nebraska 68801, the address of the Property swcured by the Security Instrument. A notice will be delivered or mailed to me at a different address if I give the Note Holder a notice of my different address.