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200302043 Loan Number 99 -0747 BORROWERS RIGHT TO PREPAY PREPAYMENT PENALTY RIDER THIS LOAN IS AN ALTERNATIVE MORTGAGE TRANSACTION WITHIN THE MEANING OF THE ALTERNATIVE MORTTGAG TRANSACTIONS PARITY ACT OF 1992,12 UNITED STATES CODE SECTION 3801 AND FOLLOWING, AS AMENDED, AND THE APPLICABLE FEDERAL. REGULATIONS ADOPTED PURSUANT THERETO, AS AMENDED. This Prepayment Penalty Rider is made on the 10th day of FEBRUARY, 2003 and is incorporated into and made a pan and shall be deemed to amend and supplement the Mortgage, Deed of '1 'ma or Security Deed of even date herewith (the "Security Instrument "), made by the undersigned borrowers) in favor of FQUITABLE NIORTCAGE CORPORATION, A MISSOURI CORPORATION (the Lender) and dated as of even date herewith (Security Instrument). I. (the Borrower) understand the Lender may transfer the Note, related Mortgage, Deed of Trust, Decd to Secure Debt or other security retirement (the Security Instrument) and this Rider. The Lender or anyone who takes and holds the Note, Security Agreement and this Rider by transfer and who is entitled to receive payments under the Note is called the Notc Holder. ADDITIONAL COVENANTS: ht addition to the covenants and agreements in the Note and in the Security Agreement, Borrower and Lender further covenant and agree as follows (despite anything stated nt dm contrary which is contained in the Note or Security Agreement). BORROWER'S RIGHT TO PREPAY: I have the right to make payments of principal at any time before they are due- A payment of principal only is known as a prepayment. When 1 make a prepayment, 1 will tell the Note Holder in writing that I am doing so. I may make a full prepayment orpartial prepayments. However, tribe aggregate amount ofthe prepayments made during any twelve (t2) month period within 24 months of the date of execution of the Note exceeds twenty percent (20 %) of the original principal amount of the Note, then as consideration for the acceptance of such prepayntent(s), and unless otherwise prohibited by state law, l agree to pay the Note Bidder a sum equal to six (6) month interest on We amount by which such prepayments) exceed twenty percent (20 %) of the original principal amount of the Note. Any prepayments made after said initial 24 month period shall not be subject to any prepayment charges. The Note Holder will use all of my prepayments to mducc the amount of the principal that I owe under the Note. If I make a partial prepayment, there will be no changes in the due dates or in the amount of my monthly payments unless the Note Holder agrees in writing to those changes. PURCHASE MONEY STATEMENT: Borrowers) agree that at least some portion of the debt being financed or rchranced by and evidenced by the above referred to Rider is or was purchase money debt of the borrowers. BORROWERS RIGHT TO PREPAY - PREPAYMENT PENALTY RIDER r -11's s. - iM t., ., "" Page I of 2 ", I ,, IIIIIIIIIIIIIIIIIIIIIIIIIIIIII1111111111IIIIIIIIIIII III III