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200009305 <br />PREPAYMENT RIDER 5836518M EX <br />THIS PREPAYMENT RIDER is made this ... 24th...... day of ...00TOBER,,.... .... 2000..... , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Note to ................. ............................... <br />........................ ELLS FARGO, HOME_ MORTGAGE.. INC ....................................................... <br />of the same date and covering the Property described in the Security Instrument and <br />located at: 210 .NORTH,VOSS „ROAD,,GRAND.ISLAND, NE„ 68801 .... ............................... <br />(Property Address) <br />PREPAYMENT COVENANTS. In addition to the covenants and agreements <br />made in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br />I have the right to make payments of principal at any time before they are due. <br />A prepayment of all of the unpaid principal is known as a "full prepayment.” A <br />prepayment of only part of the unpaid principal is known as a "partial prepayment." <br />Except as provided below, I may make a full prepayment or a partial <br />prepayment at any time without paying any penalty. However, if within the first <br />,thrgg... (A..) year(s) after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to the payment of six <br />(6) months' advance interest, at the interest rate provided for under the Note, on the <br />amount prepaid which is in excess of twenty percent (20 %) of the original principal <br />amount. <br />Subprime Prepayment (1 -5 yrs) Rider - Fixed Rate <br />(AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, KY, <br />ME, MT, ND, NE, NH, NV, OK, SD, TN, UT, WA, <br />MA (N /O /O properties) <br />TX (int rate cannot exceed 12 %) <br />WY (first mtgs only, int rate cannot exceed 18 %)) <br />(Page 1 of 2) <br />EC180L Rev. 05/11/99 <br />