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200605283 RIDER TO NOTE AND SECURITY INSTRUMENT LOAN NO. 206-501005 THISRIDERismadethis 12TH day of JUNE, 2006 , 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: 2304 N. LAFAYETTE AVE, GRAND ISLAND, NE 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 beginning with the date of the Note. (the "Penalty 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 any twelve month period commencing from the date of the Note or anniversary dates thereof without penalty. Howeyer, during the Penalty Period, if the aggregate amount of the principal prepaid in any twelve month period exceeds twenty percent (20%) of the original principal amount of this loan, then as consideration of the acceptance of such Prepayment and in addition to any other sum payable hereunder, you agree to pay the Note Holder hereof a sum eaual 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. Such additional sums shall be paid whether prepayment is yoluntarv or involuntary includina anv prepayment affected by the exercise of any acceleration provisions contained in the Note to which this Rider is attached. or in the Security Instrument securinCl the Note to which this Rider is attached. 1/18/05 Page 1 of2 ACSTl551 155ST J}~ C(l