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200406043 <br />Prepayment Penalty Rider to Security Instrument <br />(To Be Recorded Together with Security Instrument) <br />This PREPAYMENT PENALTY RIDER (the "Rider ") is made this 16th day of June, 2004 and amends the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") dated the same date and given by the person(s) who sign <br />below (the "Borrower(s) ") to EquiFirst Corporation (the "Lender ") to secure repayment of a Note in the amount of U.S. $ <br />58,900.00 <br />In addition to the agreements and provisions made in the Note and the Security Instrument, both the Borrower(s) and <br />the Lender further agree as follows <br />PREPAYMENT PENALTY <br />If I prepay this loan in full within 3 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 3rd anniversary date of the <br />Note, the Note Holder will impose no prepayment penalty. <br />cy gustyn <br />Sa6ford Roy Mil er <br />523064 <br />EF032 (05/02) <br />Ronald Augustyn <br />Shyla i ler <br />