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9 � 107615 <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 year(s). A payment of principal only is known as a <br /> "prepaymenY'. 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 /> 7-22-99 <br /> c <br /> Signature <br /> DANIEL F STROHL <br /> ignatur <br /> SALLY A STROHL <br />