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WELLS Home Equity Access Line Rider <br />EARGO 200206874 <br />(Gpen End Credit with variable rate interval) <br />This Home Equity Access Line Rider is dated 5/28/2002 and is an amendment to the Mortgage or Deed of Trust <br />( "Mortgage") of the same date given by the undersigned ('Borrowed') to secure Borrowei s Home <br />Equity Access Line Agreement with: <br />WELLS FARGO BANK NEBRASKA, N.A. <br />( "Lender) <br />of the same data covering the property described in the Mortgage and located at: <br />28 LILLIAN LANE DON] PHAN NE 68832 <br />Property Address <br />In addition m the covenants and agreements made in the Mundane, Burrower and Lender fuMa covenant and agree as follows <br />I. The word "Note;' ns used in the Mortgage and this Rider, refer to the Hn ne Equity Accrss Line Agreement. <br />2. Thc Note evidcucos an open and revolving line of crcdh agreement hetween Burrower and Lender. The amount stated in the <br />Mortgage as the pnndpal sum of the indebtedness is the credit limitier the line of cre it All advances made at any time <br />by Leader in natural 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 montage to protect the security of the Montage, exceed me 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 .74 % <br />plus the "Index Rate." <br />The daily periodic rate may increase if THE HIGHEST PRIME RATE PUBLISHED M THE <br />WALL STREET IOURNAL'MONEY RATET TABLE <br />(the "Index Rate") increases. Tbc initial daily periodic rate is 0.015041% This corresponds m an amival percentage rate <br />of 5.49 %. The =net percentage into will never be more than 18.00 %. The daily periodic race will be adjusted on the first <br />business day ofevery month, using the Index Rate in effect on the last business day of the poor 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 $40.000.00 <br />LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS TO <br />OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. <br />Borroner's ei KIM JAY FIELDHEIM Eo- Berrawer's scup re WEN DY CORRINE F)ELDHEIM <br />.:un.wre aio.mre <br />W 12713 (6 -99- 10379 -I) P2 <br />