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. • • 99 107372 LOAN #: 9765066 PREPAYMENT RIDER THIS PREPAYMENT RIDER is made this 13TH day of JULY� 1999, 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 Noteto NORTH COUNTY REAL ESTATE, INC. dba HMC FUNDING, A CALIFORNIA CORPORATION of the same date and covering the Property described in the Security Instrument and located at: 505 West Stolley Park Road Grand Island, NE 68801 PREPAYMENT COVENANTS. In addition to the covenants and agreements made in the Security Instrument,Borrower and Lender further covenant and agree as follows: After the determined period of time noted below,maker may pre-pay in whole or in part,without penalty,the then outstanding principal balance.In the event maker prepays in whole or in part a portion of the outstanding principal balance and accrued interest prior to this prescribed period, maker shall pay in addition to such prepayment a prepayment penalty according to the following: If within 3 year(s)from the date of execution of the deed of trust or mortgage, you make a full prepayment or partial prepayment(s),you will at the same time pay to us a prepayment charge. The prepayment charge will be equal to 6 MONTHS advance interest on the amount of the prepayment that, when added to all other amounts prepaid during the twelve(12)month period immediately preceding the date of the prepayment,exceeds 20.000� of the original principal amount of the note. Holder shall apply any prepayment first to reduce any interest and charges owing at the time of such prepayment and then to reduce the amount of principal owed under this Rider,provided that such balance shall be applied to the principal in reverse order of the due date of each payment and shall not othenvise affect or delay the due date of the next payment under the Rider. BY SIGNING BELOW,Borrower accepts and agrees to the terms and provisions contained in this Prepayment Rider. /d e�� '� ��2� �` 1�-�S' Mark A. Davis Date ( Mary . D 's Date�� I326PR6 704