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200315756 HOME ASSET MANAGEMENT ACCOUNT ISM) RIDER TO MORTGAGE/DEED OF TRUST b g$I5�6 (Open end credit with QEixed rate QX variable rate interest) 4 l5' This Home Asset Management Account {SM} Rider is dated 9/22/2003 and is an amendment to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, JOHN R. CROGHAN, KRISTA K. CROGHAN (hereinafter "Mortgagor ") to secure the borrower's EquityLine with F1exAbilitysM Agreement with Wells Fargo Bank, N.A. ( "Lender ") of the same date covering the property more particularly described in the Mortgage (the "Property "). In addition to the covenants and agreements made in the Mortgage, Mortgagor and Lender further covenant and agree as follows: 1. The word "Note ", as used in the Mortgage and this Rider, refers to the EquityLine with F1exAbility sm Agreement and Home Asset Management Account sM Addendum to EquityLine with F1exAbility sm. 2. Despite any language to the contrary in the Mortgage, Mortgagor covenants that the Property is unencumbered, except for a first lien purchase money or refinance of purchase money encumbrance in the name of Wells Fargo Home Mortgage, Inc., its affiliates, successors or assignees. 3. Paragraph number 4 of the Mortgage, which is captioned SECURED DEBT AND FUTURE ADVANCES is hereby deleted in its entirety and replaced by the following paragraph: SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of the promissory note, revolving line of credit agreement, contract, guaranty or other evidence of debt of same date together with all amendments, extensions, modifications or renewals. The maturity date of the secured Debt is 10/1/2013 B. All future advances from Lender to the borrower under such evidence of debt, whether obligatory or discretionary. All obligatory future advances and advances to cure breeches of covenants contained in the Mortgage are secured as if made on the date of this security Instrument. Nothing in this Security Instrument shall constitute a commitment to make additional or future loans or advances which exceed $ 33,500.00 Hamaridr 042903 20032387700004 PAGE 1