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200406489 <br />" 5 . BORROWER'S RIGHT TO PREPAY, PREPAYMENT CHARGE <br />I have the right to make payments of principal at any time before they are due, together with accrued <br />interest. When I make a prepayment, I will tell the Note Holder in writing that I am doing so. If I make a <br />partial prepayment, there will be no changes in the due date or in the amount of my monthly payment <br />unless the Note Holder agrees in writing to those changes. If within TWO ( 2 ) years <br />from the date of execution of the Security Instrument(as defined above) I make a full prepayment or partial <br />prepayment(s), I will at the same time pay to the Note Holder a prepayment charge. An amount not <br />exceeding twenty percent (20 %) of the original principal amount may be prepaid in any twelve -month <br />period without penalty. A prepaymentcharge will be imposed on any amountprepaidin any twelve -month <br />period in excess of twenty percent (20 %) of the original principal amount of the loan which charge shall <br />not exceed an amount equal to the payment of six months' advance interest on the amount prepaid in excess <br />of twenty percent (20 %) of the original principal amount. <br />IN `� WHEREOF, t e Borrower has executed this Prepayment Rider on the o?S— day of <br />ZOO i . <br />Borrower Y L KUCERA Borrower BARBARA KUC <br />Borrower <br />FIRST MORTGAGE <br />1196181 (0203) <br />Borrower <br />Page 2 of 2 <br />MULTISTATE <br />(09/10/96) <br />ATUY LOAN ID: 0040407652 <br />