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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. <br />....... <br />(Seal) ��{ / ��y�y/,� <br />._ (Seat) <br />/ _......... Seat) <br />BR <br />RVZICICA <br />T!l[Y[!KR�I? <br />(Seal) (Seal) <br />(Seal) (Seal) <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 <br />