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200316518 <br />HOME ASSET MANAGEMENT ACCOUNT ISM) RIDER TO MORTGAGE/DEED OF TRUST <br />(Open end credit with Oixed rate QX variable rate interest) <br />This Home Asset Management Account {SM) Rider is dated 12/29/2003 and is an amendment <br />to the Mortgage or Deed of Trust ( "Mortgage ") of the same date given by the undersigned, <br />TODD R DZINGLE, GENESA M DZINGLE <br />(hereinafter "Mortgagor ") to secure the borrower's EquityLine with F1exAbility1m Agreement with Wells <br />Fargo Bank, N.A. ( "Lender ") covering the property more particularly described in the Mortgage (the <br />"Property"). <br />In addition to the covenants and agreements made in the Mortgage, Mortgagor and Lender further covenant <br />and agree as follows: <br />1. The word "Note ", as used in the Mortgage and this Rider, refers to the EquityLine with FlexAbility sM <br />Agreement and Home Asset Management Account sM Addendum to EquityLine with F1exAbility sm. <br />2. Despite any language to the contrary in the Mortgage, Mortgagor covenants that the Property is <br />unencumbered, except for a first lien purchase money or refinance of purchase money encumbrance in the <br />name of Wells Fargo Home Mortgage, Inc., its affiliates, successors or assignees. <br />3. Paragraph number 4 <br />of the Mortgage, which is captioned SECURED DEBT AND FUTURE ADVANCES <br />is hereby deleted in its entirety and replaced by the following <br />paragraph: SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined <br />as follows: <br />A. Debt incurred under the terms of the promissory note, revolving line of credit agreement, contract, <br />guaranty or other evidence of debt of same date together with all amendments, extensions, <br />modifications or renewals. The maturity date of the secured Debt is 1/20/2014 <br />B. All future advances from Lender to the borrower under such evidence of debt, whether obligatory <br />or discretionary. All obligatory future advances and advances to cure breeches of covenants contained <br />in the Mortgage are secured as if made on the date of this security Instrument. Nothing in this <br />Security Instrument shall constitute a commitment to make additional or future loans or advances <br />which exceed $ 27,500.00 <br />Hamaridr 102703 20033357900161 PAGE 1 <br />