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200508215 <br />Notwithstandina the forgoina, in the event of a full Prepayment concurrent with a bona fide sale <br />of the Propeity to an unrelated third paft after the first twelve 12 months from the date of <br />the Note no Prepayment penally wild be assessed. In that event you must provide the Note Holder <br />with evidence acceptable to the Note <br />Holder of such sale. For purposes of the exception of the <br />Pre a ment charge, a sale of the-pLopeft to a person or entilly with whom you have a personal or <br />business relationship_ (such as a family member, builder, developer or employer) will be presumed <br />NOT to be a bona fide sale of the property to an unrelated third paft. <br />All other terms and conditions of the Note remain in full force and effect. <br />By signing below, Borrower accepts and agrees to the terms and provisions contained in this Rider to <br />Note and Security Instrument. <br />NOTICE TO BORROWER <br />Do not sign this loan agreement before you read it. This loan agreement provides for the Payment <br />of a penalty if you wish to repay the loan prior to the date provided for repayments in the loan <br />agreement. <br />L� �'' A �� 9-1-y-65- <br />PAUL L KULP Date <br />/- /-h� <br />KAREN M KULP Date <br />Date <br />Date <br />1/18/05 Page 2 of2 ACST1552 <br />