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PREPAYMENT RIDER Loan No.: 10037 -5 Date: JULY 19, 2000 Borrower(s): KEENA TERRY 20000963 FOR VALUE RECEIVED, the undersigned ( "Borrower ") agree(s) that the following provisions shall be incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed of even date herewith (the "Security Instrument ") executed by Borrower, as trustor or mortgagor, in favor of MG INVESTMENTS INC., AN INDIANA CORPORATION ( "Lender "), as beneficiary or mortgagee, and also into that certain promissory note of even date herewith (the "Note ") executed by Borrower in favor of Lender. To the extent that the provisions of this Prepayment Rider (the "Rider ") are inconsistent with the provisions of the Security Instrument and /or the Note, the provisions of this Rider shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument and /or the Note. Section 5 of the Note is amended to read in its entirety as follows: " 5 BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. The Note Holder will use all of my prepayments to reduce the amount of principal that 1 owe under this Note. If I make a partial prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial prepayment may reduce the amount of my monthly payments after the first Change Date following my partial prepayment; however, any reduction in the amount of my monthly payments due to my partial prepayment may be offset by an interest rate increase calculated in accordance with the provisions of this Note. If within TH I RTY S I X ( 3 6 )months from the date of execution of the Security Instrument (as defined below) I make a full prepayment or partial prepayment(s), I will at the same time pay to the Note Holder a prepayment charge in an amount equal to S I X ( 6 ) months' advance interest on the amount of the prepayment that, when added to all other amounts prepaid during the 12 -month period immediately preceding the date of the prepayment, exceeds TWENTY PERCENT percent ( 20 %) of the original principal amount of this Note." IN WITNESS WHEREOF, Borrower has executed this Rider on the day of Borrower Date Borrower KEENA TERRY Borrower Date Borrower Borrower Date Borrower Prepayment Rider - Multistate ARM USPA.RDR Date Date Date