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200212361 Prepayment Penalty Rider (Multi Stare /Soft Prepay Penalty) This Prepayment Rider is made this 21ST day of NOVEMBER , 2002 and is incorporated into and deemed to amend and supplement the Mortgage, Deed of Trust, (the "Security Instrument') of the same date given by the undersigned (the "Borrower") to secure Borrower's Note (the "Note ") to Cherry Creek Mortgage Company, Inc. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at 2909 INDEPENDENCE AVENUE, GRAND ISLAND, NEBRASKA 68803 (the "Property ") Amended Covenants. Not withstanding anything to the contrary set forth in the Note or Security Instrument, Borrower and Lender 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 us know as a "partial prepayment ". If, within the 1 -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 Notq 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 ONE year(s) of the term of the Note, no prepayment penalty will be assessed. In that event, you must provide the Note Holder with evidence acceptable to the Note Holder of such sale. For purposes of this exception to the prepayment charge, a sale of the property to a person or entity with whom you have personal or business relationship (such as a family member, builder, developer or employer) will be presumed NOT to be a bona fide sale of the Property to an unrelated third party. By signing below, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. DATE: NOVEMBER 21, 2002 EL19BETH M. KREJCI 603C Multi-State Rider (Product Solutions) 09/01/01