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200508215 RIDER TO NOTE AND SECURITY INSTRUMENT LOAN NO. 205- 692915 THIS RIDER is made this 12TH day of AUGUST, 2005 1 and is incorporated into and shall be deemed to amend and supplement both the Note and Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure Borrower's Note (the "Note ") to AMERICAN MORTGAGE NETWORK, INC., A DELAWARE CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 4129 NORWOOD DRIVE, GRAND ISLAND, NEBRASKA 68803 [Property Address] PREPAYMENT PENALTY - FIRST 36 MONTHS OF NOTE You have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment ". When you make a Prepayment, you must tell the Note Holder in writing that you are doing so. Subject to the Prepayment Penalty specified below, you may make a full Prepayment or partial Prepayment of your obligation. The Note Holder will use all of your Prepayments to reduce the amount of principal that you owe under this Note. If you make a partial Prepayment, there will be no changes in the due date(s) or in the amount of your monthly payment unless the Note Holder agrees in writing to those changes. If within the 36 month period beginghsIpwith the date of the Note the "Penaft Period" you make a full or partial Prepayment, you will pay a prepayment charge as consideration for the Note Holder's acceptance of such payment. No prepayment charge will be assessed for any prepayment made after the Penalty Period. You may prepay an amount not exceeding twenty percent (20 %) of the original principal amount In -y commencing from the date of the Note or anniversary dates thereof an twelve month period commen without penalty. However, during the Penalty- Period, if the aggregate amount of the principal prepaid in any twelve month period exceeds twen ercent 20 %a of the original principal amount of this loan then as consideration of the acceptance of such Prepayment and In addition to an other sum payable hereunder, you agree to pay the Note Holder hereof a sum equal to six (6) months Interest on the amount prepaid in excess of twenty percent (20 %) of the original principal amount at the rate specified in the Note. I sUMs shall be paidjjylWher prol2ayment Is vin n ingluding any rp_ epayment affectgd j& the exercise of any,pceeleration provisiong_contained in the Notg to which this Rld2LILMached, or in the Security Instrument securing the Note to which thil Rider Is attached. 1/18/05 Page 1 of2 ACST1551 155ST B3NE