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WHEN RECORDED MAIL TO: <br />NORTH AMERICAN MORTGAGE COMPANY <br />P. 0. BOX 808031 <br />PETALUMA, CA 94975 -8031 <br />FINAL REVIEW AU 052 <br />Loan #: 4179027 -847 <br />[Space Above This Line For Recording Data] <br />PREPAYMENT RIDER <br />200005070 <br />RDP4 054 <br />THIS PREPAYMENT RIDER is made this 14TH day of JUNE , <br />2000 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust, Security Deed, Loan Security Agreement, Consolidation, Extension and Modification <br />Agreement, or Extension and Modification Agreement (individually or collectively the "Security <br />Instrument "), as applicable, of the same date given by the undersigned (the "Borrower ") to secure <br />the Borrower's Note (the "Note ") to NORTH AMER I CAN MORTGAGE COMPANY <br />(the "Lender ") of the same date and covering the property <br />described in the Security Instrument and located at: <br />14375 SOUTH ALDA ROAD <br />PROSSER, NEBRASKA 68883 <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made <br />in the Security Instrument, Borrower and Lender further covenant and agree as follows: <br />Except as provided below, Borrower may make a full prepayment or a partial prepayment of <br />principal at any time without paying any charge. However, if within the first 3 years after the <br />date Borrower executes the Note, Borrower will pay a prepayment penalty as stated herein: <br />BORROWER MUST AS A CONDITION PRECEDENT TO A FULL PREPAYMENT, PAY A <br />PREPAYMENT PENALTY IN THE AMOUNT OF SIX MONTHS' ADVANCE INTEREST ON <br />THE AMOUNT BY WHICH THE AGGREGATE PREPAYMENTS (INCLUDING PREPAYMENTS <br />OCCURRING AS A RESULT OF THE ACCELERATION OF THE MATURITY OF THE NOTE) <br />MADE WITHIN ANY CONSECUTIVE TWELVE MONTH PERIOD EXCEED TWENTY PERCENT <br />(20X) OF THE ORIGINAL PRINCIPAL AMOUNT. <br />The Note Holder's failure to collect a prepayment penalty at the time a prepayment is <br />received shall not be deemed a waiver of such penalty and any such penalty calculated in accordance <br />with this section shall be payable on demand. <br />Do not sign this Prepayment Rider before you read it. This Prepayment Rider provides for the <br />payment of a charge if you wish to repay the loan prior to the date provided for repayment. <br />Version 1.0 (10/20199) Page I of 2 Initials LRI93USA <br />