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WIF
<br />200208151
<br />PREPAYMENT RIDER 0000303005
<br />THIS PREPAYMENT RIDER is made this ...30th,,,,.. day of ..JULY.,...... 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 />......................................................
<br />of the same date and covering the Property described in the Security Instrument and
<br />located at: . 907,E 6TH,STREET,,GRAND.ISLAND,,NE 68801
<br />........................... ...............................
<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 />,three,., (A..) 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 />Subprime Prepayment (1 -5 yrs) Rider - Fixed Rate
<br />(AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, KY,
<br />ME, MT, ND, NE, NH, NV, OK, SD, TN, UT, WA,
<br />MA (N /O /O properties)
<br />TX lint rate cannot exceed 12 %)
<br />WY (first mtgs only, int rate cannot exceed 18 %))
<br />(Page 1 of 2)
<br />EC180L Rev. 05/11/99
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