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<br />.. , <br /> <br />200609119 <br /> <br />PREPAYMENT RIDER <br /> <br />This Prepayment Rider is made this 11 th day of October 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 />FIRST FRANKLIN 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 />202 WEST 11TH ST <br />WOOD RIVER, NE 68883 <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 />~ (Seal) <br />R B RT T~LlAMS -Bo=_ <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-BolTower <br /> <br />(Seal) <br />-I3OITower <br /> <br />(Seal) <br />-BolTower <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, 10, KS, LA, MA, MD, MN, <br />MT. NO, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SO, TN, TX, UT, V A, VT, WA, WY <br /> <br />MFCD6028 <br />FF003210 <br /> <br />4001031803 <br />