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.. _BANKS .. 88- 106984 Home Equity Line of Credit Rider (Open and credit wlfh 0 ii.edraleD variablerateinlerest) Lot 4. in Block 2, Normandy Estates. an Addition to the City of'~rand Island. Hall County. Nebraska" This Home Equity Une of Credit Rider is dated 12/1 i' /88 and Is en amendment to the Mortgage or Deed of Trusf ("Mortgage") of the same date given by the undersigned ("Borrowe,") to secure Borrower's Home Equity Line of Credit Agreement with NORWCDT BAtII~ t![BR.^.Ct(;\ t1^TION,~L ACS9CIATH1N ("Lender") of Ihe same dare covering the property described In the Mortgage and loealed at 1J"U.w[IHRY LAU[ GRAN!! IGLANP tiE ,ggQl In addition to the covenants anc.' agreements made in the Mortgage. Borrower and Lender further covenant and agme as follows: 1. The word "Note ", as used in the Mortgage and this Rider. refers to the Home Equity Una of Credit Agreement. 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender. 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, :ihal/ 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 credillimit 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 _%. ~ a variable rate of interest expressed as a daily periodic rate equal 10 1/365 of an annual rate at -b-9-O-- % ovar Ihe "Index Rare. R The daily periodic rate may increase il TII[ SOl BAY Tr:[,~CURY BILL RAT[ ([3TABLI311[[1 (LAST Al:ICTIOIl I,',[U,C[ 8t1 ,~ BISCOldtlT BASIS. r:QU~IPH TQ HIli: tlH,RIi:GT lQ):)) (the "Index Rale") Increases. The initial daily periodic rale IS ~!. ThIS corresponds to an annual perr;entage rate of ~ The annual percentage rate wi1J never be more than --i:9-;-tHf'o. The daily periodic rare will be ad;l.JSted on the tast business day of every month, using rhe Index Rate In effect rhat day_ An increase in the daily periodic rare may increase the monrhry payment due. ~~. ~'$l,Jk''''J74) NtS 1l2912'-M.3:lt! -/10 ".,......,.."" me marl;....!