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<br />LOAN #: 144645529 <br /> <br />200608500 <br /> <br />If I make a full prepayment, the Note Holder may charge me for the <br />privilege of prepayment if I prepay the loan in the first 24 months <br />after the date of the loan. The prepayment penalty shall be an <br />amount equal to six months advance interest on the amount of the <br />prepayment that, when added to all other partial prepayments during <br />the twelve-month period immediately preceding the date of the full <br />prepayment, exceeds 20% of the original principal amount of this <br />Note. <br /> <br />. Fixed 2nd Note Prepayment Rider <br />1D102-XX (12/05) <br /> <br />Page 2 of 3 <br /> <br />Wcl <br />