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WELLS Home Equity Access Line Rider <br />FARGO 200210062 <br />(Open End Credit with variable rate interest) <br />This Home Equity Access Line Rider is dated 8/28/2W2 _ _ and is an amendment to the Mortgage or Deed of Trust <br />( "Mortgage ") of the same date given by the undergned (`B <br />siorrower ") to secure Borrower's Home <br />Equity Access Line Agreement with: <br />WELLS FARGO BANK NEBRASKA, N.A. <br />( "Londe;') <br />of the same data covering the property described in the Mortgage and located at <br />4140 NORWOOD DR GRAND ISLAND NE 68803 <br />In addition to the covenants and agreements made in the Mortgage, Borrower and Lcnder further covenant and agree w follows. <br />I. The word "Note," as used in the Mortgage and this Rider, cetera to the Home Equity Access Line Agreement. <br />2. The Note evidences an open end revolving line of credit agreement hctwccir Borrower and Lender. The amount staled in the <br />Mortgage as the principal sum of the indebtedness is the credit limit for the line of credit. All advances made at any time <br />by Lender in accordance with the terns of the Note, and all interest on the advances, shall be secured by the Mortgage. <br />However, at no time shall the principal amount ofthe indebtedness secured by the Mortgage, not including sums advanced <br />in accordance with the mortgage to protect the security of the Mortgage, exceed the stated credit limit for the line oferedit. <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 _ ___.7.5_ <br />plus the "Index Rate." <br />The daily periodic rate may increase if THE HIGHEST PRIME RATE PUBLISHED IN THE <br />WALL STREET JOURNAL WONEY RATES' TABLE <br />(the "Index Rate ") increases. 'the initial daily periodic rate is _ 0_.015068 %. This corresponds to an annual percentage rate <br />of 5.50 %. 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 TO <br />OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. <br />Other Borrowers] Other Bar <br />signature signature <br />W 12713 (6-99-10379-J) P2 <br />—JOANN <br />Bo / <br />rgnatureO <br />RADFORD L HANSEN <br />Co- BOoremfsure <br />ANSEN <br />Other Borrowers] Other Bar <br />signature signature <br />W 12713 (6-99-10379-J) P2 <br />