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<br />200700760 <br /> <br />PREPAYMENT RIDER <br /> <br />This Prepayment Rider is made this 30th day of January 2007 <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 FINANCIAL CORP., AN OP. SUB. OF MLB&T CO., FSB <br />(the "Lender") of the same date and covering the property described inthe Security Instrument and located at: <br /> <br />1432 HOWARD Pl <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 />- ....... b------' <br />_.- ,." . <br />. ....., ;::;.> _d' './~-'"'~--'-" (Seal) <br />RYAN D. SCHWART:t---__ --Borrower <br /> <br />__(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />Fixed Rate and Balloon Prepayment Rider - First Lien - AL, AZ, CA. CO, CT, DC, DE, FL, GA, III. IA. ID, LA, MT, ND, NE, <br />NH. NV, NY. OK, OR, PA, Sc, SD, TN, TX, liT, W A, WY <br /> <br />MFCD6026 <br />FF003410 <br /> <br />4001247092 <br />