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WHEN RECORDED MAIL TO: Pacific Shore Funding 23101 Lake Center Drive, Suite 200 -Lake Forest, CA 92630 Loan Number: 1024730 [Space Above This Line For Recording Data] PREPAYMENT RIDER 200105040 THIS PREPAYMENT RIDER IS MADE THIS 9th day of May 2001 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date, given by the undersigned (the "Borrower ") to secure Borrower's Note to Pacific Shore Funding, a California Corporation (the "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 1112 East Nebraska Avenue, Grand Island, NE 68801 ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: BORROWERS RIGHT TO PREPAY I have the right to make payment of principal at any time before they are due. A prepayment of all of the unpaid principal only is known as a "full prepayment." A prepayment of only part of the unpaid principal is known as a "partial prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. If within Thirty Six ( 36 ) months from the date of execution of the Security Instrument I make a full prepayment or partial prepayments, which in any twelve (12) month period exceed twenty percent (20 %) of the original principal amount of this loan, I will pay a prepayment charge in an amount equal to the payment of: Six (6) months' interest on the amount by which the aggregate principal prepayments for a 12 month period exceed twenty- percent (20 %) of the original loan amount. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under the Note. If I make a partial prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. Borrower(s) have executed this Rider on the day of Us*C0in PSF Form 15015LO — Revised 9106199 C -2 Terry Cain