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200504098 <br />4 . BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE <br />I have the right to make payments of principal at any time before they are due, together with accrued <br />interest. When I make a prepayment, I will tell the Note Holder in writing that I am doing so. If I make a <br />partial prepayment, there will be no changes in the due date or in the amount of my monthly payment <br />unless the Note Holder agrees in writing to those changes. If within THREE ( 3 ) years <br />from the date of execution of the Security Instrument(as defined above) I make a full prcpaymentor partial <br />prepayment(s), I will at the same time pay to the Note Holder a prepayment charge. An amount not <br />exceeding twenty percent (20 %) of the original principal amount may be prepaid in any twelve -month <br />period without penalty. A prepaymentcharge will be imposed on any amount prepaid in any twelve -month <br />period in excess of twenty percent (20 %) of the original principal amount of the loan which charge shall <br />not exceed an amount equal to the payment of six months' advance interest on the amount prepaid in excess <br />of twenty percent (20 %) of the original principal amount. <br />IN WITNESS WHEREOF, the Borrower has executed this Prepayment Rider on the 4th day of <br />May 2005 <br />Borrower LOUIS G ROMERO <br />Borrower <br />FIRST MORTGAGE <br />1196181 (0203) <br />Borrower RHONDA L ROMERO <br />Borrower <br />Page 2 of 2 <br />MULTISTATE <br />(09/10/96) <br />ATUY LOAN ID: 0041620238 <br />