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200504944 <br />If my loan has an adjustable rate feature, my partial prepayment may reduce the amount of my <br />monthly payment after the first Change Date following my partial payment. However, any reduction due <br />to my partial prepayment may be offset by an increase in the interest rate. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Prepayment Rider. <br />Borrower TAMI L. SHRINER Date <br />Borrower <br />Borrower <br />Borrower <br />Date Borrower <br />Date Borrower <br />PREPAYMENT RIDER TO SECURITY INSTRUMENT <br />07/01/03 Page 2 of 2 <br />usrp.msc.2.t� <br />Date <br />Date <br />Date <br />DocMsgic eFaffm= 800-649 -1362 <br />www.docmagic.com <br />