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<br />" <br /> <br />200512395 <br />PREPAYMENT RIDER <br /> <br />This Prepayment Rider is made this 13th day of December 2005 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or the <br />Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure <br />Borrower's Note (the "Note") to <br />FIRST FRANKLIN A DIVISION OF NAT. CITY BANK OF IN <br />(the "Lender") of the same date and covering the property described in the Security Instrument and located at: <br /> <br />4145 MANCHESTER RD <br />GRAND ISLAND, NE 68803 <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />Borrower can make a partial prepayment at anytime without paying any charge. Borrower may make a <br />full prepayment at any time subject to a prepayment charge as follows: <br /> <br />If within the first 36 months after the date Borrower executes the Note, Borrower makes a full <br />prepayment (including prepayments occurring as a result of the acceleration of the maturity of the Note), <br />Borrower must, as a condition precedent to a full prepayment, pay a prepayment charge on any amount prepaid <br />in any 12 month period in excess of 20% of the unpaid balance. The prepayment charge will equal the interest <br />that would accrue during a six-month period on the Excess Principal calculated at the rate of interest in effect <br />under the terms of the Note at the time of the full prepayment. <br /> <br />NOTICE TO BORROWER <br /> <br />Do not sign this loan agreement before you read it. This loan agreement provides for the payment of a <br />penalty if you wish to repay the loan prior to the date provided for repayment in the loan agreement. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Prepayment Rider. <br /> <br />~/7- tft <br />( FREY M. REIS <br /> <br />(Seal) ~ ~n-LLA E. Q ..:0 <br />-Borrower EATHER E. REIS <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />Fixed Rate and Balloon Prepayment Rider - First Lien - AL, AZ, CA, CO, CT, DC, DE, FL, GA, III, lA, ID, LA, MT, NO, NI<:, <br />NH, NV, NY, OK, OR, PA, SC, SD, TN, TX, UT, W A, WY <br /> <br />MFCD6026 <br />FF003410 <br /> <br />4000574788 <br />