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WELLS FARAGO 200203460 Home Equity Access Line Rider (open end credit with variable rate interest) This Home Equity Access Line Rider is dated 3/11/2002 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage's of the same date given by the undersign `Botrowee) to secure Borrower's Home Mortgage or Deed of Trust Borrower's Home Equity Access Line Agreement with: WELLS FARGO BANK NEBRASKA, N.A. ( "Lender") of the same data covering the property described in the Mortgage and located at: 32 LILLIAN LN DONIPHAN NE 68832 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 Access Line Agreement. 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender. 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, 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 variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of 1.25 % 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 0.01643s %. This corresponds to an annual percentage rate of 6.00 %. The annual percentage rate will never be more than 18.00 %. The daily periodic rate will be adjusted on the first 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 periodic rate may increase the monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF $60,000.00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTERE T, ARE SENIOR TO INDEBTEDNESS TO OTHER CREDIT RS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. Borrower's dgrn a DAVID G PALU Co- Borrower's signatu7ETTY L PALU �t/y�J /� /�/n /J ��"}J G1 ✓/ Other Borrowerkl Signature Other Borrower#2 signature