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2000 .1197
<br />PREPAYMENT RIDER Loan #: 102123
<br />THIS RIDER is made this 27th day of DECEMBER, 2000
<br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust
<br />or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the
<br />"Borrower ") to secure Borrower's Note to MAJOR MORTGAGE
<br />of the same date and covering the Property described in the Security Instrument and located at:
<br />424 CAMPBELL AVENUE, DONIPHAN, NEBRASKA 68832
<br />[Property Address]
<br />PREPAYMENT COVENANTS. In addition to the covenants and agreements made in the
<br />Security Instrument, Borrower and Lender further covenant and agree as follows:
<br />I have the right to make payments of principal at any time before they are due. A prepayment
<br />of all of the unpaid principal is known as a "full prepayment." A prepayment of only part of the
<br />unpaid principal is known as a "partial prepayment."
<br />Except as provided below, I may make a full prepayment or a partial prepayment at any time
<br />without paying any penalty. If within the fast THREE
<br />( 3 ) year(s), I may make a partial prepayment or partial prepayments of less than twenty
<br />percent (20%) of the original principal amount in a twelve month period, I will not pay a prepayment
<br />penalty. However, if within the first THREE
<br />( 3 ) year(s), I may make a full, partial prepayment or partial prepayments of more
<br />than twenty percent (20%) of the original principal amount in a twelve month period, I will pay a
<br />prepayment charge in an amount equal to the payment of six (6) months' advance interest on the
<br />amount prepaid which is in excess of twenty percent (20%) of the original principal amount in that
<br />twelve month period.
<br />If I make a partial prepayment equal to one or more of my monthly payments, the due date of
<br />my next scheduled monthly payment may be advanced no more than one month. If I make a partial
<br />prepayment in any other amount, I must still make all subsequent monthly payments as scheduled.
<br />Subprime Prepayment (1 -5 yrs) Rider SPD #001 (09/17/99)
<br />(AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IN, KY, LA, MT,
<br />ND, NE, NV, NH, NY, OK, SD, TN, UT, WA, WY,
<br />TX (fixed rates only, int rate cannot exceed 12%))
<br />Rider - ARM /Balloons (AL, AK, AZ, AR, CA, CO, CT, DE,
<br />D.C., FL, GA, HI, ID, IL IN, IA, KS, KY, LA, MD, MI, MN,
<br />MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA,
<br />RI, SD, TN, TX, UT, VT, VA, WA, WV, WY)
<br />Dowment System, Inc. (800) 649 -1362 Page 1 of 2
<br />SPD001 I ANM
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