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;003ocl 3) q Equity Line Rider (Open -end credit with F-] fixed rate ® variable rate interest) This Equity Line Rider is dated February 18, 2003 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, Bonna Barton Wanek, and John M Wanek ( "Borrower ") to secure Borrower's Equity Line Agreement with Edward Jones Mortgage, LLC ( "Lender ") of the same day covering the property described in the Mortgage and located at: 1424 Stagecoach Road Grand Island, NEBRASKA 68801 ( "Property Address ") 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 may 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 $50,000.00 (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: The variable Daily Periodic FINANCE CHARGE Rate is equal to 1/365 (1/366 during leap years) of annual rate of 0.375% (the "Margin" or "Spread ") plus the "Index Rate." The Index Rate is the highest prime rate published in The Wall Street Journal "Money Rates" table on the last business day of the prior whole calendar month. The variable Daily Periodic FINANCE CHARGE Rate may increase monthly if the Index Rate increases. The initial variable Daily Periodic FINANCE CHARGE Rate is 0.0126712 %. This corresponds to an ANNUAL PERCENTAGE RATE of 4.625 %. The variable Daily Periodic FINANCE CHARGE Rate on my Account will be adjusted on the first day of every billing cycle of the month, using the Index Rate published on the last business day of the prior whole calendar month. I understand that any increase will cause me to make larger monthly payments. The maximum ANNUAL PERCENTAGE RATE that can apply is 16.00 %. 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 UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. * 4 - U0, o, _,,!�7 na Barton Wanek - "1!;n mane �J Home Equity Line Rider