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of the within described property, nor by any foreclosure or other proceedings or notice of sale relating to the property, nor by any change in the title or ownership of the property, nor by the occupation of the premises for purposes more hazardous than are permitted by this policy; and in case the mortgagor or owner shall neglect to pay any premium due under this policy, the mortgagee shall, on demand, pay the same. The mortgagee shall notify this company of any change of ownership or occupancy or increase of hazard which shall come to the knowledge of said mortgagee and, unless permitted by this policy, it shall be noted thereon and the mortgagee shall, on demand, pay the premium for such increased hazard for the term of the use thereof; otherwise this policy shall be null and void. This company reserves the right to cancel this policy at any time as provided by its terms, but in such case this policy shall continue in force for the benefit only of the mortgagee for thirty (30) days after notice to the mortgagee of such cancellation and shall then cease, and this company shall have the right on like notice to cancel this agreement. In case of any other insurance upon the within described property, this company shall not be liable under this policy for a greater proportion of any loss or damage sustained than the sum hereby insured bears to the whole amount of insurance on said property issued to or held by any party or parties having an insurable interest therein, whether as owner, mortgagee, or otherwise. Whenever this company shall pay the mortgagee any sum for loss or damage under this policy and shall claim that, as to the mortgagor or owner, no liability therefor existed, this company shall, to the extent of such payment, be thereupon legally subrogated to all the rights of the party to whom such payment shall be made, under all security held as collateral to the mortgage debt, or may, at its option, pay to the mortgagee the whole principal due or to grow due on the mortgage with interest, and shall thereupon receive a full assignment and transfer of the mortgage and of all such other securities; but no subrogation shall impair the right of the mortgagee to recover the full amount of its claim. Nothing in the foregoing prescribed form shall be construed to in any manner modify the provisions of Section 83-13-5. 2. Borrower expressly agrees that any and all insurance proceeds which become payable from the insurer as a result of loss or damage insured or covered by the above -reference insurance policy shall be payable solely to Lender. If Borrower receives from the insurer any check(s) for such insurance proceeds, Borrower expressly agrees to immediately forward such check(s) to Lender. If the insurer causes such check(s) to be made payable to Borrower, or jointly to Borrower and Lender, Borrower expressly agrees to endorse the check(s) and immediately forward it/them to Lender without negotiating such check(s) for payment, and further agrees not to interfere with or impede in any way Lender's sole right to receive the entire sum of the subject insurance proceeds. H. AGREEMENT FOR ADDITIONAL INDEBTEDNESS AND CROSS -COLLATERAL. The Security Instrument, Note, this Rider, the additional notes described immediately above and any documents evidencing any other indebtedness of the Borrower in favor of the Lender, as well as any documents evidencing the security for any of the foregoing, are sometimes collectively referred to herein as the — Loan Documents." Notwithstanding anything contained herein or contained in any of the Loan Documents to the contrary, it is expressly agreed that the real and/or personal property described in the Loan Documents secures not only the indebtedness described therein, but also is hereby cross -collateralized to secure all Rider to Deed of Trust Initials: d A RIDER TO DEED OF TRUST RTDOT.GBS 07/08/14 Page 3 of 5 ✓DocMagic