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1% 200506724 PRIME EQUITY LINE RIDER THIS PRIME EQUITY LINE RIDER is made this day June 20, 2005 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Mortgagor ") to secure the Prime Equity Line Agreement and Disclosure Statement executed by the Mortgagor of the same date (said Agreement is referenced in the Security Instrument and this Rider as "Note ") to Wachovia Mortgage Corporation, (the "Lender ") and covering the property described in the Security Instrument and located at: 929 E 7TH ST, GRAND ISLAND, NE 68801 Property Address ADDITIONAL COVENANTS In addition to the covenants and agreements made in the Security Instrument, Mortgagor and Lender further covenant and agree to the following additional terms and conditions: Adjustable Rate The Security Instrument secures a Note that provides for changes in the interest rate, as more particularly described in said Note. 2. Amendments to the Security Instrument Maturity Date The second paragraph on page one of the Security Instrument is deleted in its entirety and shall read as follows: "The Lender has made a loan to Mortgagor the maximum indebtedness at any one time shall not exceed $19,190.00 which loan is an open -end line of credit as evidenced by Mortgagor's Note and extensions, modifications and renewals thereof which provides for obligatory advances of all or p art o f t he I oan proceeds from time to time, subject to provisions in the Note. The entire indebtedness evidenced by the Note, if not sooner paid, will be due and payable on June 19, 2045." Paragraph 20 of the Security Instrument shall be deleted in its entirety and read as follows: "When the balance of all outstanding sums including finance charges and other charges, if any, secured by the Security Instrument is zero, the Lender shall upon request of the Borrower, release the Security Instrument. Borrower will pay all recordation costs, if any. Absent a request from the Borrower, the Security Instrument shall remain in full force and effect for the term set forth a bove. Lender, a t L ender's o ption, m ay a Ilow a partial release of the Property on terms acceptable to Lender and Lender may charge a release fee. 3. Obligation to Lend Lender is absolutely obligated under the terms of the Note to make advances not to exceed, at any one time in the aggregate, the amount stated in the Note and Mortgagor has agreed to repay any advances under the terms of the Note. Lender's absolute obligation to make advances to Mortgagor under the Note ends when Lender terminates the right to make advances and demands repayment of the outstanding obligation or prohibits additional extensions of credit under the Note or the Security Instrument. Nevertheless, Lender may waive the right to terminate or prohibit additional advances. If Lender does not terminate or prohibit additional advances, Lender remains obligated to make advances to Mortgagor under the terms of the Note. However, that waiver does not bind Lender if the same or a different event occurs or is continuing at a later time. 4. Note Provisions - Conflict In case of a conflict between the terms of the Note and the Security Instrument governing remedies of default or termination of advances, the terms of the Note shall control. NE PEL Rider Page 1 888 8882130633 230908 neprid (Rev 06, 06 -01)