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20050564® PREPAYMENT RIDER TO SECURITY INSTRUMENT Loan Number: 80037320 Date: JUNE 8, 2 0 0 5 Borrowers: JAMES P . KRAMER This Rider is made JUNE 8, 2005 and is incorporated into and deemed to amend and supplement the Security Instrument (deed of trust, warranty deed, mortgage, etc.) of the same date. The property covered by this addendum is described in the security instrument and located at: 1717 ALLEN COURT, GRAND ISLAND, NEBRASKA 68803 AMENDED PROVISIONS In addition to the provisions and agreements made in the Security Instrument, I /we further covenant and agree as follows: BORROWER'S RIGHT TO PREPAY I/We have the right to make payments of principal at any time before they are due. A prepayment of the entire unpaid principal is known as a full prepayment. A full prepayment of only part of the unpaid principal is known as a partial prepayment. Except as provided below, I may make a full or partial prepayment at any time. PENALTY UPON FULL OR PARTIAL PREPAYMENT If, within the first 2 4 month(s) of the date of this Note I /we make full or partial prepayment in any 12 month period of more than 2 0 . 0 0 0 % of the original principal loan amount, the Note Holder may collect a penalty. That penalty will be equal to Month Number Percentage of Penal 1 -12 . 2% 13 -24 10 of the amount of the prepayment, which is more than 20-000 % of the original principal loan amount, unless otherwise prohibited by applicable law or regulation. The penalty will be collected unless otherwise provided by applicable law or regulation. If I make a partial prepayment there will be no change in the due date of my monthly payment unless the Note Holder agrees in writing to such a change. PREPAYMENT RIDER TO SECURITY INSTRUMENT DocMagic e7lW= 800- 649 -1362 07/01/03 Page 1 of 2 www.doomagic.com ullf