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200412318 <br />which a Prepayment penalty is allowed, then the Note Holder's right to assess a <br />Prepayment penalty will be determined under applicable law. <br />If within TWELVE ( 12 ) months from the date the Security <br />Instrument is executed I make a full Prepayment or one or more partial Prepayments, and <br />the total of all such Prepayments in any 12 -month period exceeds twenty percent (20 %) <br />of the original Principal amount of the loan, I will pay a Prepayment charge in an amount <br />equal to S I X ( 6 ) months' advance interest on the amount by which <br />the total of my Prepayments within any 12 -month period exceeds twenty percent (20 %) of <br />the original Principal amount of the loan. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Rider. <br />(Seal) ima (Seal) <br />CEiffE J. ME I S - Borrower R S EMAR A. ME I S - Borrower <br />MULTISTATE PREPAYMENT RIDER <br />6/03 <br />Uspr.ppf.2.tem <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 2 of 2 <br />— (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />DocMagic 800- 649 -1362 <br />www.docmagic.com <br />