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200305415 <br />PREPAYMENT RIDER 0129134102 <br />THIS PREPAYMENT RIDER is made this ... Mh...... day of .. APRIL ............. ...2003._.. <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower') to secure Borrower's Note to ................. ............................... <br />....................... WELLS, FARGO, HOME, MORTCiL1CzE,. IN. O:...................................................... <br />Of the same date and covering the Property described in the Security Instrument and <br />located at: .41.9. W STOLLEY PARK RO,,GRAND ISLAND,.NE.., 68801 . ............................... <br />(Property Address) <br />PREPAYMENT COVENANTS. In addition to the covenants and agreements <br />made in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br />I have the right to make payments of principal at any time before they are due. <br />A prepayment of all of the unpaid principal is known as a "full prepayment." A <br />prepayment of only part of the unpaid principal is known as a "partial prepayment" <br />Except as provided below, I may make a full prepayment or a partial <br />prepayment at any time without paying any penalty. However, It within the first <br />A.W.9..... (..R..) year(s) after the execution of the Security Instrument I make full <br />prepayment, 1 will pay a prepayment charge in an amount equal to the payment of six <br />(6) months' advance Interest, at the Interest rate provided for under the Note, on the <br />amount prepaid which Is in excess of twenty percent (20 %) of the original principal <br />amount. <br />Subprime Prepayment (13 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, <br />to, IN, IA, K5, KY. U1, MD, MS, MO, MT, NE, NV, NH, <br />NJ, NM, ND, OK, PA, RI, 5D, TN, TX, UT, VT, WA, WY <br />OCC - NV <br />(Pagel oft) <br />EC200L Rev. 12126/01 <br />