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200504'796 <br />If I make a partial prepayment equal to one or more of my monthly payments, the due date of <br />my next scheduled monthly payment may be advanced no more than one month. If I make a <br />partial prepayment in any other amount, I must still make all subsequent monthly payments as <br />scheduled. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Prepayment Rider. <br />_/ ,- <br />NA NICKEL43orrower <br />./ .0 / <br />KERMAN NICKEL - Borrower <br />(Seal) <br />Seal) <br />(Page 2 of 2) <br />