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<br />200608354
<br />
<br />PREPAYMENT RIDER
<br />
<br />This Prepayment Rider is made this 15th day of September 2006
<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 />NATIONPOINT A DIVISION OF NATIONAL CITY BANK
<br />(the "Lender") of the same date and covering the property described in the Security Instrument and located at:
<br />1820 PIPER ST
<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 />
<br />~
<br />FRA~ v.-.HARWART
<br />
<br />-.----.-
<br />
<br />(Seal)
<br />-Borrower
<br />
<br />~~D~,~')
<br />
<br />(Seal)
<br />-Borrower
<br />
<br />(Seal)
<br />-Borrower
<br />
<br />(Seal)
<br />-Borrower
<br />
<br />(Seal)
<br />-Borrower
<br />
<br />Adjustable Rate Prepayment Rider - First Lien - AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, lA, In, KS, LA, MA, MD, MN,
<br />MT, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WY
<br />
<br />MFCD6028
<br />FF003210
<br />
<br />4000986113
<br />
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