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<br />200604614 <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-monthperiod 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 />~wdL <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <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 />6103 <br /> <br />Page 2 of 2 <br /> <br />DocMagic~ 800-64f1-136:< <br />www.docmagic.com <br /> <br />Uspr2Wf.2.lc:m <br />