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<br />200511089 <br /> <br />which a Prepayment penalty is allowed. then the Note Holder's right to assess a <br />Prepayment penalty will be determined under applicable law. <br />If within T HI R T Y - S I X (3 6 ) months from the date the Security <br />Instrument is executed I make a full Prepayment or one or more partial Prepayments, and <br />the total of all such Prepayments in any 12-month period exceeds twenty percent (20%) <br />of the original Principal amount of the loan, I will pay a Prepayment charge in an amount <br />equal to S I X (6) months' advance interest on the amount by which <br />the total of my Prepayments within any 12-month period exceeds twenty percent (20%) of <br />the original Principal amount of the loan. <br /> <br />BY SIGNING BELOW. Borrower accepts and agrees to the terms and provisions contained in this <br /> <br />Rider. <br /> <br />(#ji?~ <br /> <br />CL FF R CHRISTENSEN <br /> <br />(Seal) <br />-Borrower <br /> <br />~f?~ <br /> <br />SHELLY . CHRISTENSEN -Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />MUL TIST A TE PREPAYMENT RIDER <br />6/03 <br /> <br />Page 2 of 2 <br /> <br />DocMagIc~ 800.649.1362 <br />www.docmagic.com <br />