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<br />200610770 <br /> <br />If within T H I R T Y - S I X (3 6 ) 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 S I X (6) months I advance interest on the amount by which <br />the total of my Prepayments within any 12-month period exceeds twenty percent (20%) of <br />the original Principal amount of the loan. <br />Notwithstanding the foregoing provisions, I may make a full Prepayment without <br />paying a Prepayment charge in connection with a bona fide and arms-length sale of all or <br />any part of, or any legal or beneficial interest in, the Property after the first 12 <br />months of the term of the Note. The phrase "bona fide and arms-length sale" means a sale <br />in which all of the parties involved in the transaction, including without limitation, the <br />buyer, seller, lender, real estate agent or broker, are independent of one another and <br />unrelated by familial or financial interests. I agree to provide the Note Holder with any <br />and all evidence reasonably requested by the Note Holder to substantiate that the sale of <br />the Property is bona fide and arms-length. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br /> <br />Rider. <br /> <br /> <br />~~(4-j~a-jl <br /> <br />GRABOWSKI <br /> <br />(Seal) <br />- Borrower <br /> <br />( <br />( ..., \ -- . \ <br />~. (Y}' /-Jj;' )\.Ac (t~,l!ll/ i~a60--- <br />ROSEMARIE GRABOWSKI -Borrower <br /> <br />/,/ <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />(Seal) <br />- Borrower <br /> <br />MULTI STATE PREPAYMENT RIDER - SPP <br />6/03 <br /> <br />Page 2 of 2 <br /> <br />DocMaglc~ 800.649.1362 <br />www.docmagic.com <br />