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200106312 ADJUSTABLE RATE INTEREST RATE FLOOR & PREPAYMENT PENALTY Rider to Security Instrument (To Be Recorded Together with Security Instrument) This ADJUSTABLE INTEREST RATE FLOOR & PREPAYMENT PENALTY RIDER (the "Rider ") is made this 27th day of June, 2001, and amends the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") dated the same date and given by the person(s) who signs below (the "Borrower(s) ") to EquiFirst Corporation (the "Lender ") to secure prepayment of a Note in the amount of U.S. $ 63,665.00. In addition to the agreements and provisions made in the Note and the Security Instrument, and notwithstanding any provisions to the contrary contained in said Note or the Security Instrument, both the Borrower(s) and the Lender further agree as follows , ADJUSTABLE INTEREST RATE FLOOR This loan has an Interest Rate "Floor" which will limit the amount the Interest Rate can decrease. Regardless of any changes in the index, the Interest Rate during the term of this loan will never be less than the initial Interest Rate provided for in Section 2 of the Note. PREPAYMENT PENALTY If I prepay this loan in full within 3 year(s) from the date of this loan, I agree to pay a prepayment penalty to the Note Holder. The amount of the prepayment penalty will be the amount equal to six (6) months interest at the interest rate shown in Section 2 of the Note on the unpaid balance of the loan outstanding on the date of prepayment. This amount will be in addition to any other amounts I may owe under the provisions of the Note or the Security Instrument that secures the Note. If I make a prepayment in full on or after the 3rd anniversary date of the Note, the Note Holder will impose no prepayment penalty. James E. Robison 96880 EF058 (12/99)