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200606824 ADJUSTABLE RATE INTEREST RATE FLOOR & PREPAYMENT PENALTY Rider to Security Instrument (To Be Recorded Together with Security Instrument) This ADJUSTABLE INTEREST RATE FLOOR & PREPAYMENT PENALTY RIDER (the "Rider ") is made this 27th day of July, 2006, and amends the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") dated the same date and given by the person(s) who signs below (the "Borrower(s) ") to EquiFirst Corporation (the "Lender ") to secure prepayment of a Note in the amount of U.S. $ 190,000.00. In addition to the agreements and provisions made in the Note and the Security Instrument, and notwithstanding any provisions to the contrary contained in said Note or the Security Instrument, both the Borrower(s) and the Lender further agree as follows ADJUSTABLE INTEREST RATE FLOOR This loan has an Interest Rate "Floor" which will limit the amount the Interest Rate can decrease. Regardless of any changes in the index, the Interest Rate during the term of this loan will never be less than the initial interest Rate provided for in Section 2 of the Note. PREPAYMENT PENALTY In the event, during the first 2 years after the execution of this Note, I make a prepayment and the prepayment exceeds twenty percent (20 %) of the original principal amount of the loan in any twelve (12) month period, 1 will pay a prepayment charge in an amount equal to six (6) months' advance interest on the amount prepaid which is in excess of twenty percent (20 %) of the original principal amount of the loan within the twelve (12) month period. The Note Holder will not assess a prepayment penalty after the 2nd anniversary of the date of execution of this Note. Cuw�nl w. Curtis W DeVore EF058 (05/02) 1006603 Nancy DeV r