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200404184 Prepayment Penalty Rider (Multi- State /Hard Prepay Penalty) This Prepayment Rider is made this 27TH day of APRIL , 2004 and is incorporated into and deemed to amend and supplement the Mortgage, Deed of Trust, (the "Security Instrument ") of the same date given by the undersigned (the `Borrower ") to secure Borrower's Note (the "Note ") to Cherry Creek Mortgage Company, Inc. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 709 W. 8TH ST., GRAND ISLAND, NEBRASKA 68801 , (the "Property") Amended Covenants. Not withstanding anything to the contrary set forth in the Note or Security Instrument, Borrower and Lender covenant, and agree, as follows: Borrower has the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment'. A "full prepayment" is the prepayment of the entire unpaid principal due under the Note. A payment of only part of the unpaid principal us know as a "partial prepayment ". If, within the 1 -year period beginning with the date Borrower executes the Note (the "Penalty Period "), Borrower makes a full prepayment, or partial prepayment in any twelve (12) month period that exceeds 20% of the original principal loan amount, Borrower will pay a prepayment charge as consideration for the Note Holder's acceptance of such prepayment. The prepayment charge will equal the amount of interest that would accrue during a six (6) month period on the amount prepaid that exceeds 20% of the original principal balance of the Note, calculated at the rate of interest in effect under the terms of the Note at the time of the prepayment, unless otherwise prohibited by applicable law or regulation. No prepayment charge will be assessed for any prepayment occurring after the Penalty Period By signing below, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. DATE: APRIL 27, 2004 U� GENE P. LAWREY 603C Multi -State Rider (Product Solutions) 09/01/01