1. OK, am with you for the subnetted network. 10.1.3.0/28 14 hosts on the netweork, mask is 255.255.255.240 etc
2. But still not quite so clear with the wildcard. Lets just use Standard Access Lists to simplify. With the example:
Access list 1 permit 10.1.3.0 0.0.0.240
That will allow any of...