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200600437 PREPAYMENT RIDER Looo Nwmb~: 0000533726 Date: JANUARY 13, 2006 Borrower(s): ALLEN M. HALTE, JENNIFER HALTE FOR VALUE RECEIVED, the undersigned ("Borrow~") agree(s) that the following provisions shall be incorporated into ood shall be deemed to amend ood supplement the Mortgage, Deed of Trust or Security Deed of even date herewith (the "Security Jnstrwnent") executed by ~rrov.:.e,!A as trustor or mort~~r, in favor of HAMILTON MORTGAGE CCMPANY, AN AAIZOl'\Jf-i COtzPUAATION ("Lender"), as beneficiary or mortgagee. To the cxtent that the provisions of this Prepayment Rid~ (the "Rider") are inconsistent with the provisions of the Security Instrument, the provisions of the Ridcr shall prevail over ood shall supersede ooy such inconsistent provisions of the Security Instrwment. PREPAYMENT COVENANTS. In addition to the covenoots ood agreements made in the Security Instrument, Borrower ood Lender further covenoot and agree as follows: I havc the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under the Note. However, dlC Note Holder may apply my Prepayment to the accrued ood unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prcpayment, there will be no chooges in the due dates of my monthly payment unless the Note Holder agrees in writing to those chooges. If ilie Note provides for chooges in the interest rate, my partial Prepayment may reduce dIe amount of my monthly payments after the first Change Date following my partial Prepayment. Howcver, ooy reduction due to t!lUartial Prepayment may be offset by an interest rate increase. If within TWENTY-FOUtz( 24 ) months from the date of execution of the Security Instrument I make a full Prepayment or, in certain cases a partial I2.eEayment, ood the total of such Prepayment(s) in any 12-month period exceeds TWENTY PERCENT ( 20 . 000 %) of the original Princip_al amount of fuis 1000, I will pay a Prepayment charge in an amount equal to ilie payment of SIX (6) mondlS' advance interest on the amount by which the total of my Prepaymcnt(s) wifuin that 12-month period exceeds TWENTY PERCENT ( 20.000 %) of the original Principal amount of the 1000. m~h:;~;OO~ fkhlh Borr'6we ALL M TE Datt: ~ Eo wcr 1Ft HALTE day of /~ l?v(t.p Date Borrower Date Borrower Date rxmower Date Borrower Date MULTISTATE PllliPAYMENT RIDER J:lxaurt ~tertll, In;. (1Ol) 64~ 1362 I/O I