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2004063,2 THIRD PARTY RIDER REFERENCE #:2004114-74000-70 ACCOUNTM 0650 - 650 - 3445232 -0001 THIS THIRD PARTY RIDER is made on 05 / 12 / 2004 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "the Security Instrument ") given by the undersigned Trustee(s) to secure the Secured Debt from ROGER L ROSS YVONNE R ROSS (the "Debtor ") to Lender. With respect to the Trust, this Security Instrument constitutes a third party mortgage /deed of trust and grant of security interest by the undersigned as Trustee(s) of said Trust in the Property described in this Security Instrument to secure the Note of the Debtor to the Lender. Consequently, references in the text to "Borrower" refer to the undersigned Trustee(s) and the Debtor if the context in which the term is used so requires. Without limiting the generality of the foregoing, the use of the term "Borrower" in the context of warranties, representations and obligations pertaining to the Property shall refer to the undersigned Trustee(s). The use of the term "Borrower" in the context of the requirements under the Note shall refer to the Debtor. Except with respect to the obligation(s) of the undersigned as individuals, and not as Trustee(s), with respect to the Secured Debt before the date first set forth herein above and the obligation(s) of the undersigned as individuals with respect to Secured Debt prior to the transfer of the Property into the Trust, the Trust and the undersigned, as Trustee(s), are not liable for the debt evidenced by the Note and are a party hereunder except insofar as their interest in the Property is made subject to the Security Instrument. Further, revocation of the Trust, distribution of trust assets, or death of any Debtor shall constitute an event of default under the Secured Instrument. ROGER L ROSS, TRUS Trustee Date VONNE R ROM, TRUSTEE Trustee batq Trustee Date Trustee Date Trustee Date Trustee Date EQ310A (10/2003)