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200709903 CONSTRUCTION LOAN RIDER TO DEED OF TRUST 7378508714 GrantorfTrustor: Famos Construction, Inc. Trustee: u.s. BANK N.A. Beneficiary: u. S . BANK N. A. The following provisions are hereby made a part of the Deed of Trust to which this Rider is attached: Cessation of Construction. The loan secured hereby was obtained to assist in financing building construction or remodeling, or land development, or other improvements to the Premises (as provided in the Construction Loan Agreement between GrantorfTrustor and Beneficiary of even date with the note evidencing such loan, which is made a part hereof by this reference, which no third party is entitled to rely upon) and: (a) If such construction, remodeling, development, or improvement shall not, in accordance with plans and specification approved by Beneficiary, be completed prior to the expiration date established by Beneficiary or (b) If work on the same shall cease before completion and remain abandoned for a period of thirty consecutive days; then the existence of either circumstance shall constitute an event of default under the terms of this instrument, and at any time thereafter, said note and the whole indebtedness secured hereby shall, at the option of the Beneficiary and without notice to GrantorfTrustor (such notice being hereby expressly waived), become due and collectible at once by foreclosure or otherwise. In the event of such cessation or abandonment of work as aforesaid, Beneficiary may, at its option, also enter upon the Premises and complete such improvements and GrantorfTrustor hereby gives to Beneficiary full power and authority to make such entry and to enter into such contracts or arrangements as it may consider necessary to complete the same. All monies expended by Beneficiary in connection with completion of said improvements shall be added to the indebtedness hereby secured and shall be payable by GrantorfTrustor immediately and without demand, with interest at the default rate specified in the Note. Beneficiary shall have the right to enter upon the Premises at any and all times to inspect the same. Construction Mortaaae. This Deed of Trust shall be deemed to be a construction mortgage, as that term is defined in the Uniform Commercial Code, as amended, securing an obligation incurred for the construction of an improvement on the Land, which may include the acquisition cost of the Land, and any notes issued in extension or renewal thereof or substitution therefor. If and to the extent that any of such actions could, under the laws of the state in which the Land is located, form the basis of or result in a security interest in or lien against the Land or any Improvements thereon having priority over this Deed of Trust, Grantor affirms, acknowledges and warrants that prior to the recordation of this Deed of Trust in the real property records of the county or counties where the Land is located, no contract will have been entered into nor will any improvements have been constructed upon the Land, nor will any material have been delivered to the Land in regard to the project for which the loan or loans evidenced by the Note have been made. It is understood and agreed that funds are to be advanced upon the Note in accordance with a Construction Loan Agreement made by and between the Grantor and the Beneficiary of even date herewith, which said Construction Loan Agreement is incorporated herein by reference to the same extent and effect as if fully set forth herein and made a part of this Deed of Trust. This Deed of Trust secures the payment of all sums and the performance of all covenants required by Grantor by said Construction Loan Agreement, and on the failure of Grantor to keep and perform all the covenants, conditions and agreements of said Construction Loan Agreement, the principal sum and all interest and other charges provided for herein and secured hereby shall, at the option of the Beneficiary of this Deed of Trust, become due and payable, anything herein contained to the contrary notwithstanding. 3532DOT Qus bancorp 2001 B1 8/02