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200103007 Equity Line Rider (Open end credit with El fixed rate ❑x variable rate interest) This Equity Line Rider is dated 4/6/2001 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, Randy L. Gard, And Vicki Gard, Husband And Wife ( "Borrower ") to secure Borrower's Equity Line Agreement with Wells Fargo sank West, N.A. ( "Lender ") of the same day covering the property described in the Mortgage and located at: 320 Ponderosa Dr Grand Island NE 68801 In addition to the covenants and agreements m8de in the Mortgage, Borrower and Lender further covenant and agree as follows: The word "Note ", as used in the Mortgage and this Rider, refers to the Equity Line Promissory Note and Credit 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 are obligatory and all such advance, 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 %. 51a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of 1.375 % 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 0.025685 %, which corresponds to an initial annual percentage rate of 9.375 %. The annual percentage rate will never be more than 21 % . The daily periodic rate will be adjusted on the first business day of every month, using the index rate in effect that day. Any increase in the daily periodic rate may increase the monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF $ 19, 650.00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS TO OTHER CREDITORS UNDER SUWMOUENTLY RECORDED OR FILED MQKY,bAGES AND LIEN ARand�4L. Gard Date Vicki Gard Date (Multistate) - 8502001 (0001) ELECTRONIC LASER FORMS, INC. - (800)327 -0545