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200204263 WELLS ,j'!:gome Equity Access Line Rider FARGO (upen and Credit with variable rate interest) This Home Equity Access Line Rider is dated 3/15/2002 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the un ersign " orrower') to ammo, Bornower's Home Mortgage or Deed of Trust Borrower's Home Equity Access Line Agreement with: WELLS FARGO BANK NEBRASKA, N.A. ( "Lende") of e same data covering the property described in the Mortgage and ocate at: 1709 NORTH TAYLOR AVENUE GRAND ISLAND NE 68803 In addition to the covenants and agreements made in the Mortgage, Harrower and Lander further covenant and agree as follow..,: 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 and revolving line of credit agamwat between Borrower and Lender. The amount eluted 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 staled 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 4.20 % e plus the `Index Ram" The daily periodic rate may increase if THE HIGHEST PRIME RATE PUBLISHED 1N THE STREET JOURNAL'MONEY RATET TABLE (the "Index Rate ") increases. The initial daily periodic rate is 0.024521 95. This corresponds to an annual percentage rate of 8.95 %. 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 rare may increase the monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF $10,000.00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH tNTEAEST —ARE NIOR TO INDEBTEDNESS TO OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. L /' itj lL_S SCY1LAZ:; era e sngut a MICHAELDSCHUSTE1 Co- BOrmwer'sdghsture MICHELLES SCHUSTER Other BarmwmWl tignxture dgmture If I cease to bean employee of you or your affiliates, you will increase this number to 4.70 %