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200600280 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of PrIncipal at any time before they are due. A payment of Principal only is known 85 a "Prepayment." When I make a Prepayment, I will tel/ the Note Holder in writing that I am doing 50, I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment tothe accrued and unpaId interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note, If I make a partial Prepayment, there will be no changes In the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partIal Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial prepayment may be offset by an Increase in the interest rate. If within Twenty-four (24) months from the date of execution of the Security Instrument, I make full Prepayment or partial Prepayment, and the total of such Prepayment(s) in any 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan, I will pay a Prepayment charge In an amount equal to 6 months' advance Interest on the amount by which the total of my Prepayment(s) within that 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. k~dl1--BO=~ ~~~ (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower ..jffl I nllla'sje'EJ.I msar3 09/26/01 Page 3of3