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200211510 <br />PREPAYMENT RIDER 0123119885 <br />THIS PREPAYMENT RIDER is made this ... ?.6th,,,,., day of ..00TOBER...... ,,,,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: .623.E,D)VISI9N,.GRAND. 15 LAN D,,NE ... 6881, <br />0,,,,,,,,,,,,,,,,,, <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 />,t ....... (- 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 />Subprime Prepayment (1 -5 yrs) Rider <br />Party Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, CA, HI, <br />ID, IN, IA, KS, KY, LA, MD, MS, MO, MT, NE, NV, NH, <br />NJ, NM, NO, OK, PA, RI, SD, TN, TX, UT, VT, WA, WV <br />OCC - NV <br />(Page 1 <br />EC200L Rev. 12/26/01 6/01 <br />