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<br />200511685 <br /> <br />PREPAYMENT RIDER <br /> <br />0148862402 <br /> <br />THIS PREPAYMENT RIDER is made this ...g~r.q...... day of ...N.oY.~.M~.~B.... ....gp9.S..... , <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 /> <br />....................... .W~ ~!.,.$. .f.A..I3.G.Q. .I?A..~ KJ..N : A... ............................................................................ <br /> <br />of the same date and covering the Property described in the Security Instrument and <br />located at: . J9.1.~. .1?Q.vn:l..~ .~.AWP.~. B.Q.APJ. .GB.A.N.P. J.1?~A.~.PJ..N~.. .9.~.~Q~............................ <br />(Property Address) <br /> <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 /> <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 /> <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 />J.WQ...... (..~..) 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 /> <br />Prepayment Rider <br />(AK, AL, CA, CO, CT, DE, DC, FL, GA, HI, 10, <br />IN, lA, KS, KY, LA, MD, MS, MO, MT, NE, NV, NH, NJ, <br />NM, NY, NO, OK, PA, RI, SO, TN, TX, UT, VT, WA, WY) <br /> <br />(Page 1 of 2) <br />EC200L Rev. 09/05/03 <br />