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200208013 <br />PREPAYMENT RIDER 0000776102 <br />THIS PREPAYMENT RIDER is made this ...20th...... day of ... JULV ...2002,,,,, <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, MORTGAGE— INC,....................... ............................... <br />Of the same date and covering the Property described in the Security Instrument and <br />located at: .1107_WEST,7TH, STREET,,GRANO,ISLANO,.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, if within the first <br />,l . ...... (, 2 „) year(s) after the execution of the Security Instrument I make full <br />prepayment, I 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 />Subprlme Prepayment (1 -5 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, Dr, DC, rL, GA, NI, <br />10, IN, IA, K5, KY, LA, MD, MS, MO, MT, NE, NV, NN, <br />NJ, NM, ND, OK, PA, RI, 51), TN, TX, UT, W, WA, WY <br />OCC - NY <br />(Page 1 of 2) <br />EC200L Rev. 12/26101 <br />