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200603971 0057709024 RIDER TO DEED OF TRUST IMORTGAGE/SECURITY DEED Date: 4/27/2006 The escrow of taxes and insurance required in Paragraph 2 of your DEED OF TRUST/MORTGAGE/SECURITY DEED to FIRST HORIZON HOME LOAN CORPORATION is hereby waived and you are notified that you are not required to deposit with FIRST HORIZON HOME LOAN CORPORATION any of the amounts set forth in said paragraph, provided: (a) Escrows for future taxes and insurance premiums are being collected and maintained by the holder or servicer of the mortgage loan superior to our lien; or (b) If you pay your own taxes and insurance premiums, you fulfill your obligation to keep taxes and insurance premiums current with respect to the property secured hereby. This waiver does not, in any way, release you from your obligation to make escrow payments of taxes and insurance to the holder of any prior mortgage, nor does it relieve you of your obligation to keep taxes and insurance premiums current with respect to the secured property. ~tuk [)4- All payments will be applied first to the accrued interest and next to the unpaid principal of your loan. The exact amount of your tinal payment, finance charge, and total of payments will be somewhat more or less than the amounts shown if we do not receive each payment on the scheduled payment date. tlna- .~/2A~ by yo-?? ~~J?- aJ-- a:tr0V12UJ- --t41 ~t/ RECEIPT ACKNOWLEDGED: JON CURTIS OBERG ANA ROSA OBERG 2nd Rider CB6D082 Revised 8/01 ;:7 L- tf}