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200505640 <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 />orrower JAMES P. KRAMER Date <br />Borrower <br />Borrower <br />Date <br />Date <br />Borrower <br />Borrower <br />Borrower <br />Date <br />Date <br />Date <br />PREPAYMENT RIDER TO SECURITY INSTRUMENT DocMagic Boo - 649 -i36z <br />07/01/03 Page 2 of 2 www.docmagic.com <br />