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200403006 <br />ADJUSTABLE RATE INTEREST RATE FLOOR & <br />PREPAYMENT PENALTY Rider to Security Instrument <br />(To Be Recorded Together with Security Instrument) <br />This ADJUSTABLE INTEREST RATE FLOOR & PREPAYMENT PENALTY RIDER (the "Rider ") is made this <br />26th day of March, 2004, and amends the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") dated the <br />same date and given by the person(s) who signs below (the 'Borrower(s) ") to EquiFirst Corporation (the "Lender ") to <br />secure prepayment of a Note in the amount of U.S. $ 118,500.00. <br />In addition to the agreements and provisions made in the Note and the Security Instrument, and notwithstanding any <br />provisions to the contrary contained in said Note or the Security Instrument, both the Borrower(s) and the Lender further <br />agree as follows <br />ADJUSTABLE INTEREST RATE FLOOR <br />This loan has an Interest Rate "Floor" which will limit the amount the Interest Rate can decrease. Regardless of any <br />changes in the index, the Interest Rate during the term of this loan will never be less than the initial Interest Rate provided <br />for in Section 2 of the Note. <br />PREPAYMENT PENALTY <br />If I prepay this loan in full within 2 year(s) from the date of this loan, I agree to pay a prepayment penalty in an <br />amount equal to 6.00% of the balance of the loan outstanding on the date of prepayment. This amount, known as a <br />prepayment penalty, will be in addition to any other amounts I may owe under the provisions of the Note or the <br />Security Instrument that secures the Note. If I make a prepayment in full on or after the 2nd anniversary date of the <br />Note, the Note Holder will impose no prepayment penalty. <br />any L. Steams <br />474211 <br />EF058 (05/02) <br />Amanda K. Stearns <br />