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200511089 Loan Number: 0311040502 RIDER TO NOTE AND DEED OF TRUST For a valuable consideration, receipt of which is hereby acknowledged, the undersigned agree that that certain Promissory Note of even date to which this Rider is attached, shall be subject to the following provisions, notwithstanding any provisions to the contrary contained in said Promissory Note or the Deed of Trust securing same: (Check box, if applicable) 1. ( XX ) PREPAYMENT PENALTY - FIRST (3 ) YEARS OF NOTE The undersigned may prepay an amount not exceeding twenty percent (20%) of the original principal amount in any twelve month period commencing from the date of the Promissory Note of anniversary dates thereof without penalty. If the aggregate amount of principal prepaid in any twelve month period exceeds twenty percent (20%) of the original principal amount of this loan, then as consideration for the acceptance of such prepayment and in addition to any other sum payable hereunder, the undersigned agrees to pay the 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 Promissory Note. Such additional sums shall be paid whether prepayment is voluntary or involuntary including any prepayment affected by the exercise of any acceleration provisions contained in the Promissory Note to which this Rider is attached, or in the Deed of Trust or any other security instrument securing the Promissory Note to which this Rider is attached. 2. ( ) BALLOON PAYMENT This loan is payable in full at the end of years. You must repay the entire principal balance of the loan and the unpaid interest then due. The lender is under no obligation to refinance the loan at that time. You will therefore be required to make payment out of other assets you may own, or you will have to find a lender willing to lend you the money at prevailing market rates, which may be considerably higher or lower than the interest rate on this loan. If you refinance this loan at maturity, you may have to pay some or all closing costs normally associated with a new loan, even if you obtain refinancing from the same lender. 3. (XX ) FEE FOR RETURN OR DISHONORED CHECKS: Borrowers agree to pay a fee of $10.00 for return by a depository institution to Lender of a dishonored check, negotiable order of withdrawal or share draft. .1f4i{. ~~~~ CL F R CHRISTENSEN , k~ J( ~1:-~~-D } J -- Lf-D5 Dated