200302471
<br />PREPAYNIENT RIDER
<br />This Prepayment Rider is made this 24th day of February , 2003 , and is incorporated into
<br />and shall be deemed to amend and supplement the Mortgage. Deed of Trust or tlo Security Deed (the 'Security
<br />Instrument -) of the same date giverr by the undersigned I the "Bono over' ) to secure Borrower s Note ( the 'Note' )
<br />to
<br />FIRST FRANKLIN FINANCIAL CORPORATION, a Delaware Corporation
<br />('Ilie Lender') of the same date and covering Ilse property described in the Security Instrument and located at:
<br />228 HOLCOMB STREET, GRAND ISLAND, Nebraska 68801
<br />ADDITIONAL COVENANTS. In addition to the covenants and agmcniCuIS made in the Security
<br />Instrument, ROT.Iler and Lender further covenant and agree as follows:
<br />Except as provided below, Borrower 1113Y make a fall prepayment or a partial prepayment of principal at
<br />any time without paying any charge. However, if within the first 2 year(s) after the date Borrower executes the
<br />Note. Borrower makes a full prepayment (including prepayments occurring as a result of the acceleration of the
<br />mmun(N of the Note). Borrower must, as a condition precedent to a full prepayment, pay a prepayment charge on
<br />any amount prepaid in any 12 month period in excess of 200% of Ihc unpaid balance. The prepayment charge will
<br />rx(ual the interest that would acme during a six - month period on the Exccss Principal calculated at the rate of
<br />interest in cffoct under the terms of the Note at Ihc lime of the full prepayment.
<br />NOTICE TO BORROWER
<br />Do not sign this Iran agreement before you read it. This loan agreement provides for the
<br />payment of a penalty if you wish to repay the loam prior to the date provided for repayment
<br />in the loan agreement.
<br />By signing below, Borrower accepts and agrees In the temis and covenants contained in this Prepayment
<br />Rider.
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<br />RVZICICA
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<br />Adjustable Rate Prepayment Rider - First Lien - AK, AL, AZ, AR, CA, CO, CT, DC. DE, FL, GA, Hl, ill, IA, KS,
<br />LA, MA, MD, MO. MS, MT, NE, NV, NH, NI, NM, NY, ND, OK, O$ PA, RI, SC, SD, TN, TX, UT, VA, VT,
<br />WA,WJ WY
<br />Document # L0028
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