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200101656 Home Equity. Access Line Rider (Open end credit with Of ixed rate 0 variable rate interest) This Equity Line Rider is dated 1/31/2001 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, Dorcas Donaldson ( "Borrower ") to secure Borrower's Equity Line Agreement with WELLS FARGO BANK WEST, NATIONAL ASSOCIATION ( "Lender ") of the same date covering the property described in the Mortgage and located at: 412 Johnson Drive Grand Island , NE 68803 -0000 In addition to the covenants and agreements made in the Mortgage, Borrower and Lender further covenant and agree as follows: 1 . The word "Note ", as used in the Mortgage and this Rider, refers to the Home Equity Access Line Agreement. 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender under which future advances may be made. The amount stated in the Mortgage as the principal sum of the indebtedness is the credit limit for the line of credit. All advances made at any time by Lender in accordance with the terms of the Note, and all interest on the advances, shall be secured by the Mortgage. However, at no time shall the principal amount of the indebtedness secured by the Mortgage, not including sums advanced in accordance with the Mortgage to protect the security of the Mortgage, exceed the stated credit limit for the line of credit. 3. The Note provides for: ❑ a fixed rate of interest expressed as a daily periodic rate of %. This corresponds to an annual percentage rate of %. a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of 1.240 % plus the "Index Rate ". The daily periodic rate may increase if the highest prime rate published in the Wall Street Journal "Money Rates" table (the "Index Rate ") increases. The initial daily periodic rate is 0.029425 %, which corresponds to an initial annual percentage rate of 10.74 %. The annual percentage rate will never be more than 21 %. The daily periodic rate will be adjusted on the day the Index Rate changes. An increase in the daily periodic rate may increase the monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF $ 50, 000. 00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS TO OTHER CREDITORS UNDRR SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. D rcas Donaldso Date / Date Date (Multistate) - 8502001196111 ELECTRONIC LASER FORMS, INC. - (800)327 -0545 Date