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<br />200608854 <br /> <br />ADJUSTABLE RATE INTEREST RATE FLOOR & <br /> <br />PREPAYMENT PENALTY Rider to Security Instrument <br /> <br />(To Be Recorded Together with Security Instrument) <br /> <br />This ADJUSTABLE INTEREST RATE FLOOR & PREPAYMENT PENALTY RIDER (the "Rider") is made <br />this 3rd day of October, 2006, and amends the Mortgage, Deed of Trust or Security Deed (the "Security <br />Instrument") dated the same date and given by the person(s) who signs below (the "Borrower(s)") to EquiFirst <br />Corporation (the "Lender") to secure prepayment ofa Note in the amount of U.S. $ 63,500.00. <br /> <br />In addition to the agreements and provisions made in the Note and the Security Instrument, and <br />notwithstanding any provisions to the contrary contained in said Note or the Security Instrument, both the <br />Borrower(s) and the Lender further agree as follows <br /> <br />ADJUSTABLE INTEREST RATE FLOOR <br /> <br />This loan has an Interest Rate "Floor" which will limit the amount the Interest Rate can decrease. Regardless of <br />any changes in the index, the Interest Rate during the term of this loan will never be less than the initial Interest <br />Rate provided for in Section 2 of the Note. <br /> <br />PREPAYMENT PENALTY <br /> <br />In the event, during the first 2 years after the execution of this Note, I make a prepayment and the prepayment <br />exceeds twenty percent (20%) of the original principal amount of the loan in any twelve (12) month period, I will <br />pay a prepayment charge in an amount equal to six (6) months' advance interest on the amount prepaid which is in <br />excess of twenty percent (20%) of the original principal amount of the loan within the twelve (12) month period. <br />The Note Holder will not assess a prepayment penalty after the 2nd anniversary of the date of execution of this <br />Note. <br /> <br />{1 r cacho (' (r') Cl\J1 GL~ <br />Arcadio Chanas <br /> <br />EF058 (05/02) 1049495 <br />