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, • - <br /> 9g-sc�4�s1. <br /> PRE-PAYMENT RIDER TO THE NOTE AND DEED OF TRUST <br /> There will be a 4% prepayment penalty if more than 20 % of the principal balance is paid <br /> off in any of the first three (3) year(s). A payment of principal only is known as a <br /> "prepayment". When I make a prepayment, I will tell the Note Holder in writing that I am <br /> doing so. If I make a partial prepayment, there will be no changes in the due date or in <br /> the amount of my monthly payment unless the Note Holder agrees in writing to those <br /> changes. <br /> 4/27/1999 <br /> , � <br /> gnature <br /> JAVIER MARQUEZ <br /> ��m� i�� <br /> Signature �— <br /> MARIA MARQUEZ <br />