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200604615 DA TE: April 29, 2006 BORROWER(S):MARIA AGUILAR PEREZ MATEO MIGUEL PABLO LOAN #: 2006418002 PROPERTY ADDRESS: 205 E 10TH ST GRAND ISLAND, NE 68801 PREP A YMENT PENALTY RIDER TO SECURITY INSTRUMENT TlIlS PREPA YMENT PENALTY RIDER is dated this 29th day of April, 2006 and is incorporated into and amends and supplements the Mortgage, Deed of Trust or Security Deed of even date herewith (the "Security Instrument") executed by Borrower, as Trustor in favor of NEW PRIME HOME LOANS, LLC, A LIMITED LIABILITY COMPANY ("Lender") as beneficiary, and also into that certain promissory note (the "Note") of even date herewith executed by borrower in favor of Lender. To the extent that the provisions ofthis Prepayment Rider (the "Rider") are inconsistent with the provisions of the Security Instrument and/or the Note, the provisions of the Rider shall prevail over and shall supercede any such inconsistent provisions ofthe Security Instrument and/or the Note. The section ofthe Note entitled "Borrower's Right to Prepay" is replaced with the following new section: BORROWER'S RIGHT TO PREPA Y I have the right to make payments of Principal at any time before they are due. A prepayment of all of the unpaid Principal is known as a "Full Prepayment". A prepayment of only part of the unpaid Principal is known as a "Partial Prepayment". When I make a Partial or Full Prepayment, I will tell the Note Holder in writing that I am doing so. Subject to the Prepayment Penalty specified below, I may make a Full Prepayment or Partial Prepayments of my obligation. The Note Holder will use all of my Prepayments to reduce the amount of Principal that I owe under the Note. If! make a Partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment. lfwithin the first TWENTY-FOlJR (24) months after the execution of this Note, I make any prepayment(s), the total of which exceeds twenty (20) percent of the original Principal amount ofthis Note, I agree to pay a Prepayment Penalty in an amount equal to the payment ofsix (6) months' advance interest on the amount by which the total of my prepayment(s) during the twelve (12) month period immediately preceding the date of the prepayment exceeds twenty (20) percent of the original Principal amount of this Note. Interest will be calculated using the rate in effect at the time of prepayment. I will pay this Prepayment Penalty regardless of whether I sell the Property or refinance the loan with the same Lender or Note Holder. All other terms and conditions of the Note remain in full force and effect. ~d ~j~~;'_.~ MARIA AlLAR REZ ~/_ 9?:o.t5 )v..e-ko ~C\0c.u.( tpv<-b to Date MATEO MIGUEL PABLO Lf --- 2 q.~ (j ~ Date Prepayment Penalty Rider (Multistate) - (H-PPP) (Multistate) (04/12) IDS Inc. 1.800.554.1872