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1E-RECORD 200407894 RECORDING REQUESTED BY, AND WHEN RECORDED, MAIL TO: FINANCE AMERICA, LLC P.O. BOX 16637 IRVINE, CA 92623 -6637 SPACE ABOVE THIS LINE FOR RECORDING DATA PREPAYMENT RIDER This Prepayment Rider is made this 16th day of APRIL , 2004 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 Note (the "Note ") to Finance America, LLC (the "Lender ") of the same date and covering the property described in the Security Instrument and located at 4711 E BISMARK ROAD, GRAND ISLAND, NE 68801 -8651 (the "Property "). Additional Covenants. Notwithstanding anything to the contrary set forth in the Note or Security Instrument, Borrower and Lender further 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 is known as a "partial prepayment. " If, within the TWO -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. Notwithstanding the foregoing, in the event of a full prepayment concurrent with a bona fide sale of the Property to an unrelated third party after the first ZERO (0) year(s) of the term of the Note, no prepayment penalty will be assessed. In that event, Borrower agrees to provide the Note Holder with evidence acceptable to the Note Holder of such sale. MULTISTATE Page 1 of 2 1961145 (0106) VMP MORTGAGE FORMS - (800)521 -7291 PPRD LOAN ID: 0040054819