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I n' .. lID I ~ BANKS .. 88~ 101793 Home Equity Line of Credit Rider (Open end credit with 0 fixed rate^~ variable rate interest) This Home Equity Line of Credit Rider is dated 03/31/08 and is an amendment to the Mortgage or Deed of Trust ("Mortgage") of the same date given by the undersigned ("Borrower") to secure Borrower's Home Equity Line of Credit Agreement with IWRblE5T BAUI:: NEBRASKA; UATIOlV\L A~:::OcrATIC~1 ("Lender") of the same date covering tha property described in the Mortgage and located at: I ! j i I I ~;/il- ..../A,,JJ I V I 8 HI i ~ cr~AFlD ISLM!D N[ 613801 In addition to the covenants and agreements made in the Mortgage. Borrower and Lender further ctlvenant and agree as follows: 1. The word "Note': as used in the Mortgage and this Rider, refers to the Home Equity Line 01 Credit Agreement. 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender. TIle amollnt 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 Lendsr in accordance with the terms of the Note. and all interest on the advances, shalf be secured by the Mortgage. However. al no lime 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: o a fixed rate of interest expressed as a daily periodic rate of % rate. This corresponds to an annual percentage rate of %, >..9 a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rata of 4. ~% over the "tndex Rate," The daily periodic rate may increase if Tile 91 [lAY T!'{[ASUI1Y BILL RATE {ESTABLImleD \LAST AUCTION AVCRAGC o;~ A BIGCOUlH BASIS! f,outlDED TO Till: r!Etl:-:F.:ST .10}~)) (the "Index Rate") increases. The initiat daily periodic rate is. O:OOO~. This corresponds to an annual percentage rate 0.1 10.25%. The annual percentage rate will never be more than 19.00%' The daily periodic rate will be adjusted on the last business day 01 every month, using the Index Rate in effect that day. An increase in the daily periodic rate may increase the monthly payment due. ~ro.~.6,~~vr()~ -~> '...~-~ ~Q~~ I h~ [. (' ~lLl)_~ L ~ I 1 L