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20041238 <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 TWENTY -FOUR ( 2 4 ) 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) Lndz��� -- (Seal) <br />STEVEN E. KOS INSKI - Borrower TINA M. KOS INSKI - Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />MULTISTATE PREPAYMENT RIDER <br />6/03 Page 2 of 2 <br />Uspr.ppf Item <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />DocMagict?V 800- 649 -1362 <br />www.docmagic.com <br />4 <br />