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<br />200511341 <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 TWENTY - FOUR ( 24 ) 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 SIX (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 />(Seal) <br />wBorrower <br /> <br />~~~ <br /> <br />(Seal) <br />-Borrower <br /> <br /><!;Z<~- <br /> <br />TORY SEMM <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />MULTISTATE PREPAYMENT RIDER <br />6/03 <br /> <br />Page 2 of 2 <br /> <br />DocMagic~ 800-649-1362 <br />www.docmllgic.com <br /> <br />U,pr.ppf.Z.tem <br />