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20041238'7 PREPAYMENT RIDER Loan Number: 0411110009 Date: NOVEMBER 23, 2 0 04 Borrower(s): STEVEN E. KOS INSKI , TINA M. KOS INSKI THIS PREPAYMENT RIDER (the "Rider ") is made this 23rd day of NOVEMBER , 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 ( "Borrower ") to secure repayment of Borrower's promissory note (the "Note ") in favor of STONECREEK FUNDING CORPORATION, A COLORADO CORPORATION ( "Lender "). The Security Instrument encumbers the Property more specifically described in the Security Instrument and located at 420 JOHNSON DRIVE, GRAND ISLAND, NEBRASKA 68803 [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PREPAYMENT CHARGE The Note provides for the payment of a prepayment charge as follows: 6 . BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under the Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payment unless the Note Holder agrees in writing to those changes. If the Note contains provisions for a variable interest rate, my partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. If this Note provides for a variable interest rate or finance charge, and the interest rate or finance charge at any time exceeds the legal limit under MULTISTATE PREPAYMENT RIDER 6/03 Page 1 of 2 Uspr.ppf. l .lean DocMag%C 800 -649 -1362 www.docmagic.com I