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200314845 <br />SECOND DEED OF TRUST RIDER TO DEED OF TRUST 7378491846 <br />Grantor/Trustor: DEBBIE RITTER <br />Trustee: U.S. BANK N.A. <br />Beneficiary: U.S. BANK N.A. <br />The following provisions are hereby made a part of the Deed of Trust to which this Rider is attached: <br />Reference is made to that Deed of Trust dated APRIL 1, 2001 in the amount of <br />$ 79, 000.00 given by Grantor/Trustor to <br />(such Deed of Trust hereafter <br />referred to as the "Existing-Deed of Trust"). Grantor/Trustor represents and warrants that no default has <br />occurred or presently exists under the Existing Deed of Trust or the note or any agreement secured <br />thereby and that this Deed of Trust shall not constitute a default thereunder. Grantor/Trustor covenants <br />and agrees to faithfully perform all obligations of the Existing Deed of Trust and the note or other <br />agreement secured thereby. Grantor/Trustor agrees that it will not enter into any amendment, extension <br />or modification of the Existing Deed of Trust or the note or any other agreement secured thereby without <br />the prior written consent of Beneficiary. Grantor/Trustor further agrees to furnish Beneficiary, promptly <br />after receipt, copies of all notices of default or delinquency received by Grantor/Trustor from the holder of <br />the Existing Deed of Trust. Grantor/Trustor further agrees that a default in any of the terms and <br />conditions of the Existing Deed of Trust or the note or any other agreement secured thereby, or in the <br />terms and provisions of this paragraph, shall at the option of Beneficiary constitute a default under this <br />Deed of Trust and the Note. In the event of any such default in any of the terms and conditions of the <br />Existing Deed of Trust or the note or any other agreement secured thereby, Beneficiary may in its <br />discretion and at its sole option cure such default and any sums incurred or expended relative thereto by <br />Beneficiary shall become immediately due and payable and shall be secured by the lien of this Deed of <br />Trust with interest at the default rate specified in the Note. <br />[Existing Deed of Trust to other lender.] <br />3531 DOT Pus bancorp 2001 G1 2/03 <br />