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200311644 <br />PREPAYMENT RIDER 0131694143 <br />THIS PREPAYMENT RIDER is made this ... R%h...... day of .. AUGUST 2003 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Note to ................. ............................... <br />WELLS FARGO, HOME ,MORTGAGE . . . INC. ....................................................... <br />.. ... <br />of the same date and covering the Property described in the Security Instrument and <br />located at: .111 EAST,PINE.STREET DONIPHAN NE 68832 <br />............. .... ...... ..... ... s........ .......... <br />............. ............................... <br />(Property Address) <br />PREPAYMENT COVENANTS. In addition to the covenants and agreements <br />made in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br />I have the right to make payments of principal at any time before they are due. <br />A prepayment of all of the unpaid principal is known as a "full prepayment." A <br />prepayment of only part of the unpaid principal is known as a "partial prepayment." <br />Except as provided below, I may make a full prepayment or a partial <br />prepayment at any time without paying any penalty. However, if within the first <br />two ...... year(s) after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to the payment of six <br />(6) months' advance interest, at the interest rate provided for under the Note, on the <br />amount prepaid which is in excess of twenty percent (20 %) of the original principal <br />amount. <br />Subprime Prepayment (1 -5 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, <br />ID, IN, IA, KS, KY, LA, MID, MS, MO, MT, NE, NV, NH, <br />NJ, NM, ND, OK, PA, RI, SD, TN, TX, UT, VT, WA, WY <br />OCC - NY <br />(Page 1 of 2) <br />EC200L Rev. 12/26/01 <br />