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100496 i IV' POW Credit Rider (OW and credit with ❑ fixed rate ,q variable rate interest) This Home Equity One of Credit Rider is dated - and is an amendment to the Mortgage or Dead of Trust ( „Mortgage ") of the same date given by the undersigned ( "Borrower ") to secure Borrowers Home Equity Ling of Credit Agreement with ( "Lander ") of the some data covering the property described in the Mortgage and located at: n 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 Line of Credit Agreement. 2. The Nate 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, 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 a daily periodic rate of % rate. This corresponds to an annual percentage rate of 0 a variable rate of interest expressed as a daily periodic rate equal to 11365 of an annual rate of °10 over the "index Rate." The daily periodic rate may increase it Ft (the "index Rate ") increases. The initial daily periodic rate is „. �. This corresponds to an annual percentage rate of The annual percentage rate will never be more than The daily periodic rate will be adjusted on the last business day of every month, using the Index Rate in effect that day. An increase in the daily periodic rate may increase the monthly payment due. �N /O S+gnYlwB / ©onnwei's spnerm®