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�� 1�1977 <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 /> , <br /> j� �_� � .- _>. / <br /> V� - � ,.. . _ <br /> . <br /> Q� � (Seal)�_ 1 �, ( �--. ( e 1) <br /> DAG B. . HELLSTEN PAMELA J . H LLSTE <br /> v <br /> (Seal) (Seal) <br /> Prepayment Rider - Multistate <br /> Version 3.0 (10115198) Page 2 of 2 LR173USB <br />