REVOCABLE TRUST RIDER

DEFINITIONS USED IN THIS RIDER

(A) "Revocable Trust." The John Smith Revocable Trust dated January 2, 2003

(B) "Trustee." John Smith and Mary Smith

(C) "Revocable Trust Settlor(s)." John Smith (sometimes referred to as donor(s), grantor(s), trustmaker(s) or trustor(s) of the Revocable Trust)

(D) "Lender." XYZ National Bank

(E) "Security Instrument." The Mortgage Deed and any riders thereto of the same date as this Rider given to secure the Note to the Lender of the same date and covering the Property (as defined below).

(F) "Property." The property described in the Security Instrument and located at 1000 Main Street, Anytown, Anystate

THIS REVOCABLE TRUST RIDER is made this _____ day of _______________, 20___, and is incorporated into and shall be deemed to amend and supplement the Security Instrument.

ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, the Revocable Trust Trustee(s), and the Revocable Trust Settlor(s) and the Lender further covenant and agree as follows:

ADDITIONAL BORROWER(S). The term "Borrower" when used in the Security Instrument shall refer to the Revocable Trust Trustee(s), the Revocable Trust Settlor(s), and the Revocable Trust, jointly and severally. Each party signing this Rider below (whether by accepting and agreeing to the terms and covenants contained herein or by acknowledging all of the terms and covenants contained herein and agreeing to be bound thereby, or both) covenants and agrees that, whether or not such party is named as "Borrower" on the first page of the Security Instrument, each covenant and agreement and undertaking of the "Borrower" in the Security Instrument shall be such party's covenant and agreement and undertaking as "Borrower" and shall be enforceable by the Lender as if such party were named as "Borrower" in the Security Instrument.

ADDITIONAL COVENANTS TO DUE ON SALE PARAGRAPH. The Borrower further agree that (i) title to the property shall not be conveyed to any other party, entity or trust without Lender's prior written consent and (ii) that the beneficial ownership and right to occupy the Property shall not be transferred to any person, entity or trust, unless the transfer or occupancy is to or by a party permitted under the mortgage or applicable state or federal law ("Permitted Transfer"). The undersigned further agree to notify Lender if there is any (i) change in the occupancy or beneficial ownership of the property, (ii) amendment to the Revocable Trust or (iii) revocation of the Revocable Trust. The undersigned agree that a transfer without Lender's consent of beneficial ownership or occupancy other than a Permitted Transfer or failure to so notify as above shall be an event of default under the Security Instrument. The undersigned agree to notify you in writing of any change of the undersigned's address(es).

BY SIGNING BELOW, the Revocable Trust Trustee(s) accepts and agrees to the terms and covenants contained in this Revocable Trust Rider.

_______________________________

JOHN SMITH

_______________________________

MARY SMITH

Trustee's Address Trustee's Address

______________________________ ______________________________

______________________________ ______________________________

______________________________ ______________________________

BY SIGNING BELOW, the undersigned Revocable Trust Settlor(s) acknowledges all of the terms and covenants contained in this Revocable Trust Rider and agrees to be bound thereby.

_______________________________

JOHN SMITH