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RECORDING REQUESTED BY, AND WHEN RECORDED MAIL TO: 200607576 BNC MORTGAGE, INC. P.O. BOX 19656 IRVINE, CALIFORNIA 92623~9656 (Space above this line for Recorder's use) PREPAYMENT CHARGE RIDER Loan No.: MIL009558 Application No.: MIL009558 THIS PREPAYMENT CHARGE RIDER (the "Prepayment Rider") is made this 18th day of August, 2006 , ,and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to BNC MORTGAGE, INC., A DELAWARE CORPORATION ("Lender") of the same date and covering the property described in the Security Instrument and located at: 810 E 15TH ST, GRAND ISLAND, NE 68801 To the extent that the provisions of this Prepayment Rider (the "Rider") are inconsistent with the provisions of the Security Instrument and/or the Note, the provisions of this Prepayment Rider shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument and/or the Note. For value received, the receipt and sufficiency of which are hereby acknowledged, Section 5 of the Note is amended to read in its entirety as follows: "5. BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I 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 I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment in have not made all the monthly payments due under the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. Ifwithin thirty~six (36 ) months from the date of execution of the Security Instrument, I make a full Prepayment or partial Prepayment(s), I will at the same time pay to the Note Holder a Prepayment charge equal to six (6) months' advance interest on the amount of the Prepayment that, when added to all other amounts prepaid during the I 2-month period immediately preceding the date of the Prepayment, exceeds twenty percent (20%) ofthe original Principal amount ofthis Note." Page 1 of2 PPRCIIGI ~tz(O!Q~ ~ MIL009558