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200504526 PREPAYMENT PENALTY OPTION RIDER SECOND MORTGAGE FIXED RATE PROGRAM FOR VALUE RECEIVED, the undersigned Borrower(s) agree(s) that the following provisions be incorporated into that certain Mortgage, Deed of Trust, or Security Deed, and all Riders referred to therein, of even date herewith (the "Security Instrument ") executed by Borrower(s), as Grantor(s) /Trustor(s), in favor of SouthStar Funding, LLC (the "Lender "), as beneficiary, and also in that certain Fixed Rate Note (the "Note ") of even date herewith executed by Borrower(s) in favor of Lender. To the extent that the provisions of this Prepayment Penalty Option Rider (the "Rider ") are inconsistent with the provisions of the Security Instrument and/or the Note, the provisions of the Security Instrument shall prevail over and shall supersede and such inconsistent provisions of the Security Instrument and /or the Note. Borrower(s) and Lender hereby agree as follows: Section. Six (6) of the Note is amended to read as provided below. In addition to the Covenants and Agreements made in the Security Instrument, Borrower(s) and Lender further covenant and agree as follows: I /We have the right to make payments of principal at any time before they are due. The payment of principal only is known as a "prepayment ". When I /We make a prepayment, I /We will tell the Note Holder in writing that l /We am /are doing so. If, within the first 24 months following the date of the Note and the Security Instrument I /We make a full prepayment or partial prepayment(s), I /We will at the same time pay to the Note Holder a prepayment charge. The prepayment charge will be equal to 5 % of any amount prepaid on the amount of any prepayment that when added to all other amounts prepaid during the twelve (12) month period preceding the date of any prepayment, exceeds twenty percent (20 %) of the original principal amount of the Note. IN WITNESS WHEREOF, the Borrower(s) has /have executed under Seal this Rider on this 181h day of May 2005 ��•�� (SEAL) (/(J �SL A L> of oyItHobbs VIRGINIA M. HOBBS 2115119654 Prepayment Penalty Rider to be recorded with Security Instrument. 2ndFXR / 992ndFXR *(012001.Rev(00)) 2ndFXR.uff * LN R 1000 *