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Recitals 200409239 1. The Bank is the holder of the home equity line of credit agreement of the Borrower dated 09/29/2003 , payable to the order of the Bank with the original maximum available principal amount of $25,032.00 ( "Note ") with a maturity date of 10/01/2013 2. To secure payment of the Note, the Mortgagor has given a mortgage or deed of trust ( "Mortgage ") to the Bank, dated 09/2912003 , subjecting to the lien thereof certain real estate located in HALL COUNTY N E (state) more particularly described in the Mortgage. 3. The Mortgage was filed for record on 01/23/2000 in the office of the RECORDER of the above named C 0 U N T Y as Document No. 200400559 in Book/Roll N /A Page/Image N /A 4. In connection with the filing of the Mortgage, a mortgage registry tax was paid to the Treasurer of said COUNTY in the amount of $ 45.50 01/23/2004 Treasurer placed his or her stamp on the Mortgage, said stamp bearing number N/A on that 5. The Borrower/Mortgagor acknowledges that the Note and the Mortgage are legal and binding obligations, free and clear of any claim, defense or offset. 6. The Borrower/Mortgagor and the Bank now desire to make changes to the Note and Mortgage (including any previous modifications) as described below. Agreement Accordingly, in consideration of the premises and other good and valuable consideration, each paid to the other, the parties hereto agree as follows: n I Margin The Borrower hereby agrees that the finance charge will be ❑ increased ❑decreased to 1/365 of an annual rate of N/A % over the "Index Rate," which is disclosed in the Note. ❑ If the Borrower ceases to be an employee of the Bank or its affiliates, the Bank will increase the rate by adding N/A %. EQ357B (03/2004) RI Credit Limit The Borrower/Mortgagor hereby agrees that the maximum available principal amount of the Note is now $ 4-7, 000. 00 and that the lien of the Mortgage shall secure the line of credit up to that amount as it is advanced and outstanding from time to time. The references in the Mortgage to the maximum amount of the line of credit are hereby amended to the extent necessary to reflect the increased maximum amount of the line of credit. Each reference in the Mortgage to the line of credit shall be deemed, on and after the date of this Agreement, to refer to the modified maximum amount of the line of credit. 1. All original terms of the Note and Mortgage (as amended by any written modification) remain in effect except as amended hereby, and the Borrower/Mortgagor agrees to be bound by and to perform all of the covenants and agreements in the Note and Mortgage, if applicable, at the time and in the manner therein provided. 2. The Borrower agrees to pay or reimburse the Mortgagee for any and all fees payable to public officials in connection with this Agreement and the recording hereof, including any mortgage registry tax that is due. 3. This Agreement does not increase or extend any revolving credit insurance Borrower purchased in connection with the Note. Credit insurance means credit life, credit accident and health and/or credit disability insurance. 4. The Borrower agrees that the Bank may make certain changes to the terms of the line of credit and Note at specified times or upon the occurrence of specified events. The Bank may make insignificant changes, such as changes in the address for payments, billing cycle dates, payment due dates, day on which index values are determined, index or interest rate rounding rules, and balance computation method (if the change produces an insignificant difference in the interest the Borrower will pay). The Bank also may make changes that will benefit the Borrower, such as additional options or a temporary reduction in rates or fees. In accordance with federal law, the Bank also may change the index and margin the Bank uses to determine the annual percentage rate if that index is no longer available. The Bank can make any of these changes discussed above without the Borrower's consent, unless state law provides