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WELLS Home Egrs Line Rider <br />FARGO 2 0 0 3 0 0 7 <br />(Open End Credit with variable rate interest) <br />This Home Equity Access Line Rider is dated 12/5/2002 and is an amendment to the Mortgage or Died' .] Tmst <br />( "Mortgage') of the same date given by the undersigned (`Borrower') to secure Borrower's Home P <br />Equity Access Line Agreement with- <br />'9, <br />WELLS FARGO BANK NEBRASKA, N.A. - <br />( "Lendor ") <br />of the same data covering the property described in the Mortgage and located at: <br />1450 GUNBARREL ROAD GRAND ISLAND NE 68801 <br />Proper, Address <br />In addition to the covenants and agreements made in the Mortgage, Borrower and Lender further covenant and agree as follows: <br />1. The word "Note," m used in the Mortgage and this Rider, refers to the Home Equity Access Line Agreement. <br />2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender. The amount stated in the <br />Mortgage as the principal sum ofthe indebtedness is the credit limit for the line of credit. All advances made at any time <br />by Lender in accordance with the terms of the Note, and all interest on the advances, shall be secured by the Mortgage. <br />However, at no time shall the principal amount of the indebtedness secured by the Mortgage, not including sums advanced <br />in accordance with the mortgage to protect the securi ty of the Mortgage, exceed the stated credit limit for the line of credit. <br />3. The Note provides for: <br />a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of .60 au <br />plus the "Index Rate." <br />The daily periodic rate may increase if <br />THE HIGHEST PRIME RATE PUBLISHED IN THE <br />WALL STREET JOURNAL'MONEY RATES' TABLE <br />(the "Index Rate ") increases. The initial daily periodic rate is 0.013288 %. This corresponds to an annual percentage rate <br />of 4.85 %. The annual percentage rate will never be more than 18.00 %. The daily periodic rate will be adjusted on the first <br />business day of every month, using the Index Rate in effect on the last business day of the prior month. An increase in the daily <br />periodic rate may increase the monthly payment due. <br />NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF $30,000.00 <br />LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS <br />/TOO OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. <br />4—,v,, �✓ —(e/i /ride, ) ofLRa <br />B/- or (rmwe's�iaatttuurr /ree MICHAELJNOLAN Co- Borrower's signature a LRLY ENOLAN <br />Othrf Borrowere Other Bormwem2 <br />signature signature <br />W 12713 (6-99- 10379 -J) P2 woaaaossconi <br />