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200404092 <br />PREPAYMENT RIDER <br />This Prepayment Rider is made this 23rd day of April , 2004 , and is incorporated <br />into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or the Security Deed (the <br />"Security Instrument") of the same date given by the undersigned ( the "Borrower" ) to secure Borrower's Note <br />the "Note" ) to <br />First Franklin Financial Corp., subsidiary of National City Bank of Indiana <br />( "the Lender ") of the same date and covering the property described in the Security Instrument and located at: <br />1732 NORTH PARK AVENUE, GRAND ISLAND, Nebraska 68803 <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />instrument, Borrower and Lender further covenant and agree as follows: <br />Borrower can make a partial prepayment at anytime without paying any charge. Borrower may make a <br />full prepayment at any time subject to a prepayment charge as follows: <br />If within the first 3 year(s) after the date Borrower executes the Note, Borrower makes a full <br />prepayment (including prepayments occurring as a result of the acceleration of the maturity of the Note), <br />Borrower must, as a condition precedent to a full prepayment, pay a prepayment charge on any amount prepaid in <br />any 12 month period in excess of 20% of the unpaid balance. The prepayment charge will equal the interest that <br />would accrue during a six -month period on the Excess Principal calculated at the rate of interest in effect under <br />the terms of the Note at the time of the full prepayment. <br />NOTICE TO BORROWER <br />Do not sign this loan agreement before you read it. This loan agreement provides for the <br />payment of a penalty if you wish to repay the loan prior to the date provided for repayment <br />in the loan agreement. <br />By signing below, Borrower accepts and agrees to the terms and covenants contained in this Prepayment <br />Rider. - - - - -- _� <br />(Seal) ..... ._...._ ..... _ _.__.._. __. _ _.. (Seal) <br />LARRY <br />(Seal) (Seal) <br />J.iwl vY l lY ko (Seal) (Seal) <br />BRENDA A. HORNE <br />Fixed Rate and Balloon Prepayment Rider - First Lien- AZ, CA, CO, CT, DE, FL, HI, ID, IA, LA, MT, NE, <br />NV, NH, NY, ND, OK, OR, PA, SC, SD, TN, TX, UT, WA, WY <br />Document # L0029 <br />