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200402855 LOAN #: E0220512 Equity Line Rider (Open end credit with = fixed rate ® variable rate interest) This Equity Line Rider is dated DECEMBER 31, 2003 and is an amendment to the Mortgage or Deed of Trust ("Mortgage") of the same date and given by the undersigned, Mark J. Young AND Susan M. Koenig ( "Borrower ") to secure Borrower's Home Equity Line Agreement with E -LOAN, INC., A DELAWARE CORPORATION ("Lender") of the same day covering the property described in the Mortgage and located at: 2208 West Division Street, Grand Island, NE 68803. 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 Line of Credit Agreement. 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender under which future advances will be made. The amount stated in the Mortgage as the principal sum of the indebtedness is the current credit limit for the line of credit. All future advances from Lender to the Borrower under such evidence of debt, whether obligatory or discretionary shall be secured by the Mortgage. All obligatory future advances and advances to cure breaches of covenants contained in the Mortgage are secured as if made on the date of this Mortgage. Nothing in this Mortgage shall constitute a commitment to make additional or future loans or advances which exceed $40,000.00 (which replicates the current provision in the parties written agreement providing for obligatory future advances.) All sums advanced and expenses incurred by Lender for insuring, preserving, or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. 3. The Note provides for: A variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of (.250)% 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 0.0103% The annual percentage rate will never be more than 18.000%. 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. Initials: Online Documents, Inc. Page 1 of 2 L1286RDU 0203 OOV 12 -31 -2003 12:33