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200410153 [Space Above This Line For Recording Date 1 LOAN #: R480216 PREPAYMENT RIDER MIN: THIS PREPAYMENT RIDER is made this 16TH day of SEPTEMBER,. 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 the Borrower's Note (the "Note ") to LENDERS DIRECT CAPITAL CORPORATION (the "Lender) of the same date and covering the property described in the Security Instrument and located at: 1915 SOUTH ARTHUR STREET GRAND ISLAND, NE 68803 ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: Except as provided below, Borrower may make a full prepayment or a partial prepayment of principal at any time without paying any charge. However, if within the first THIRTY -SIX month(s) after the date Borrower executes the Note, Borrower will pay a prepayment penalty in the amount of SIX month's advance interest on the amount by which the aggregate prepayments (including prepayments occurring as a result of the acceleration of the maturity of the Note) made within any consecutive twelve month period exceed TWENTY percent( 20.000 %) of the original principal amount. No prepayment penalty will be assessed for any prepayment made after the Penalty Period. The Note holder's failure to collect a prepayment penalty at the time a prepayment is received shall not be deemed a waiver of such penalty and any such penalty calculated in accordance with this section shall be payable on demand. Do not sign this Prepayment Rider before you read it. This Prepayment Rider provides for the payment of a charge if you wish to repay the loan prior to the date provided for repayment. 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 3 year(s) of the term of the Note, no prepayment penalty will be assessed. In that event, Borrower agrees to provide the Note Holder will evidence acceptable to the Note Holder of such sale. DoCUNSat Page 1 oft DOCONSHI.VTX 3/17/2003