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<br />200511135 <br /> <br />HOME ASSET MANAGEMENT ACCOUNT {SM} RIDER TO MORTGAGE!DEED OF TRUST <br /> <br />(Open end credit with Otxed rate [Xl variable rate interest) <br /> <br />This Home Asset Management Account {SM} Rider is dated 11/4/2005 and is an amendment <br />to the Mortgage or Deed of Trust ("Mortgage") of the samc datc given by the undersigned, <br /> <br />WILLIAM C HAUBOLD <br /> <br />(hereinafter "Mortgagor") to secure the borrower's EquityLine with FlexAbilitySM Agreement with Wells <br />Fargo Bank, N.A. ("Lender") covering the property more particularly described in the Mortgagc (the <br />"Property"). <br /> <br />In addition to the covenants and agreements made in the Mortgage, Mortgagor and Lender further covenant <br />and agree as follows: <br /> <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 FlexAbility SM. <br /> <br />2. Despite any language to the contrary in the Mortgage, Mortgagor covenants that the Property is <br />unencumbered, except for a ftrst lien purchase money or refInance of purchase money encumbrance in the <br />name of Wells Fargo Bank, N.A., its affIliates, successors or assignees. <br /> <br />3. Paragraph number 4 <br />of the Mortgage, which is captioned SECURED DEBT AND FUTIJRE ADVANCES <br />is hereby deleted in its entirety and replaced by the following <br />paragraph: SECURED DEBT AND FUTIJRE ADVANCES. The term "Secured Debt" is defmed <br />as follows: <br /> <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 />modillcations or renewals. The maturity date of the secured Debt is 11/4/2030 <br /> <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 $ 18,900.00 <br /> <br />HAMARIDA 042204 <br /> <br />20052927800142 <br /> <br />PAGE 1 <br /> <br />\;J l \,~ <br />