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'A 01 Mvduv I OWN M "A In", <br />Loan No.: 10038 -5 <br />Date: JULY 19, 2 0 0 0 <br />Borrower(s): KEENA TERRY <br />9ouau�96y <br />FOR VALUE RECEIVED, the undersigned ( "Borrower ") agree(s) that the following provisions shall <br />be incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or <br />Security Deed of even date herewith (the "Security Instrument ") executed by Borrower, as trustor or <br />mortgagor, in favor of MG INVESTMENTS INC. , AN INDIANA CORPORATION <br />( "Lender "), <br />as beneficiary or mortgagee, and also into that certain promissory note of even date herewith (the <br />"Note ") executed by Borrower in favor of Lender. To the extent that the provisions of this <br />Prepayment Rider (the "Rider ") are inconsistent with the provisions of the Security Instrument and /or <br />the Note, the provisions of this Rider shall prevail over and shall supersede any such inconsistent <br />provisions of the Security Instrument and /or the Note. <br />Section 6 of the Note is amended to read in its entirety as follows: <br />6 "BORROVH R'S RIGHT TO PREPAY; PREPAYMENT CHARGE <br />I have the right to make payments of principal at any time before they are due. A <br />payment of principal only is known as a "prepayment. " When I make a prepayment, I will tell <br />the Note Holder in writing that I am doing so. The Note Holder will use all of my prepayments <br />to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, <br />there will be no changes in the due dates of my monthly payments unless the Note Holder <br />agrees in writing to those changes. <br />If within TH I RTY S I X ( 36 ) months from the date of <br />execution of the Security Instrument (as defined below) I make a full prepayment or partial <br />prepayment(s), I will at the same time pay to the Note Holder a prepayment charge in an <br />amount equal to S I X ( 6 ) months' advance interest <br />on the amount of the prepayment that, when added to all other amounts prepaid during the 12- <br />month period immediately preceding the date of the prepayment, exceeds TWENTY <br />PERCENT percent ( 2 0 %) of the original principal <br />amount of this Note." <br />IN WITNESS WHEREOF, the Borrower has executed this Rider on the day of <br />19orrower Date Borrower Date <br />KEENA TERRY <br />Borrower Date <br />Borrower Date <br />PREPAYMENT RIDER -MULTISTATE FIXED <br />Document Systems, Inc. (800) 649 -1362 <br />USPF.RDR <br />Borrower Date <br />Borrower Date <br />