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20000389" <br />BY SIGNING BELOW, Borrower(s) accepts and agrees to the terms and covenants contained in this <br />Rider. <br />GEORG NE K. MILLER - Borrower <br />(Seal) <br />NILES MILLER - Borrower <br />— (Seal) <br />- Borrower <br />MICHAEL CLING E - Borrower <br />BORROWERS RIGHT TO PREPAY - PREPAYMENT PENALTY RIDER <br />Document systems, Inc. (800) 649 -1362 Page 2 of 2 <br />PPPA2.RDR <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />