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C. All sums advanced and expenses incurred by Lender for insuring, preserving, or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. D. The terms and conditions of the Note referenced in A above include, but are not limited to, a 10 year period for advances under a revolving line of credit. Except if this Note is secured by property located in the state of Tennessee, the parties have agreed that subject to certain qualifying conditions the Lender may extend the period for advances for another 10 years for a total of 20 years. Nothing in this Security Instrument shall constitute a commitment to extend the period for advances beyond the initial 10 year period. E. Borrower(s) and the Lender have agreed that subject to the satisfaction of certain qualifying conditions, the Credit Line Limit in the Note may be increased quarterly and/or annually. One of those conditions, inter alia, is the borrower's maintenance of a first mortgage loan on the Property with Wells Fargo Home Mortgage, Inc., or one of its affiliates. (the "WFHM Loan "). All such increases, if any, shall increase the amount of the Maximum Obligation Limit disclosed in Paragraph 4 (if the Mortgage is in Virginia the "total principal indebtness " in the 3rd recital) and the current Credit Line Limit described in Section 3 hereinabove in the same amount(s). 4. The Note provides for a monthly variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of 0.750 plus the "Index Rate ". The Daily Periodic Rate of FINANCE CHARGE may increase if the highest prime rate published in the Wall Street Journal Western Edition "Money Rates" table (the "Index Rate ") increases. The initial Daily Periodic Rate of FINANCE CHARGE is 0.0130137 which corresponds to an initial ANNUAL PERCENTAGE RATE of 4.75 . The ANNUAL PERCENTAGE RATE will never be more than 18.00 %. Any increase in Daily Periodic Rate may increase the minimum monthly payments. 5.The Paragraph which is captioned in the Mortgage, ESCROW FOR TAXES AND INSURANCE (which may be found as Paragraph 19, 20, 21, 23, 24, depending on the document) is hereby deleted in its entirety. l� 0' c as v JOAN R. CROGH N Date KRISTA K. CROGHAN ate Date Date Date Date Date Date Hamandr 042903 20032387700004 PAGE 2