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USP2.GBF <br />200103045 <br />IN WITNESS WHEREOF, the Borrower has executed this Rider on the day of <br />/J <br />Bor ower Date B rower Date <br />ROGER D. LEONARD JANELLE I. LEONARD <br />Borrower Date <br />Borrower Date <br />MULTISTATE PREPAYMENT RIDER <br />Document Systems, Inc. (800) 649 -1362 <br />Borrower Date <br />Borrower Date <br />1/01 <br />Page 2 of 2 <br />