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gg_ 1�szzs <br /> NOTICE TO BORROWER <br /> Do not sign this loan agreement before you read it. This loan agreement provides for <br /> the payment of a penalty if you wish to repay the loan prior to the date provided for <br /> repayment in the loan agreement. <br /> By signing below, Borrower accepts and agrees to the terms and covenants contained <br /> in this Prepayment Rider. <br /> `�— � - (Seal) (Seal) <br /> TERRY HAEL HOTCHKISS <br /> (Seal) (Seal) <br /> Prepayment Rider - Multistate <br /> Version 3.0 (10115I98) Page 2 of 2 LR173USB <br />