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<br />200601816 <br /> <br />JL <br /> <br />0150760791 <br /> <br />If with~n the first year after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to three percent (3%) of <br />the original principal amount. If within the second year after the execution of the Security <br />Instrument I make full prepayment, I will pay a prepayment charge in an amount equal <br />to two percent (2%) of the original principal amount. <br /> <br />If within the first year after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to three percent (3%) <br />of the original principal amount. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayme t r. <br /> <br /> <br />__(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />Prepayment Rider <br /> <br />P P01 OC Rev. 09/12/05 <br />(Page 2 of 2) <br />