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200611162 HOME EQUITY ACCESS LINE RIDER (Open end credit with ❑ fixed rate 0 variable rate interest) This Equity Line Rider is dated NOVEMBER 28 , 2006 , and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, MONTE C. HACK AND SHERYL S. HACK ( "Borrower ") to secure Borrower's Equity Line Agreement with SECURED FUNDING CORP., A CALIFORNIA CORPORATION ( "Lender ") of the same date covering the property described in the Mortgage and located at: 4130 WEST FAIDLEY AVENUE GRAND ISLAND, NEBRASKA 68803 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 under which future advances may be made. 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 fixed rate of interest expressed as it daily periodic rate of %. This corresponds to an annual percentage rate of %. 0 a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an actual rate of 6.325 % 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 .0399 %, which corresponds to an initial annual percentage rate of 14.575 %. The annual percentage rate will never be more than 18.000 %. The daily periodic rate will be adjusted on the day the Index Rate changes. An increase in the daily periodic rate may increase the monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF 25,860.00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETHER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS TO OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. C / /moo " P-36-IL1140 Date Date MONTE C. HACK SHERYL S. HACK Date Date LOAN NO.: W- 0001357923 HOME EQI;IITY ACCESS LINT: RIDER DocPREPSERviep.'s. 1w, FORM - WVACCESS -2141 ORIGINAL