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<br />200701286 <br /> <br />~: 100488910118345171 <br /> <br />PREPAYMENT RIDER <br /> <br />This Prepayment Rider is made this 26th day of January, 2007 and is incorporated into and shall be deemed to <br />amend and supplement the Promissory Note (the "Note") and' Mortgage, Deed of Trust or Security Deed (the <br />"Security Instrument") of the same date given by the undersigned (the "Borrower") to secure repayment of <br />Borrower's Note to <br />Home123 Corporation (the "Lender"). <br /> <br />To the extent that the provisions of this Prepayment Rider are inconsistent with the provisions of the Note and/or <br />Security Instrument, the provisions of this Rider shall prevail over and shall supersede any such inconsistent <br />provisions of the Note and/or Security Instrument. <br /> <br />In addition to the covenants and agreements made in the Note and Security Instrument. the Borrower and Lender <br />further covenant and agree as follows: <br /> <br />4. BORROWER RIGHT TO PREPAY <br /> <br />I have the right to make prepayments of principal any time before they 8re due. A payment of <br />principal only is known as a "prepayment". When I make a prepayment, I will tell tlie Note Holder in <br />writing I am doing so. The Note Holder will use all of my prepayments to reduce the amount of principal <br />that I owe under this Note. If I make a partial prepayment, there will be no changes in the due dates of my <br />monthly payments unless: the Note Holder agrees in writing to diOse changes. <br /> <br />If within 3 year(s) from the date of execution of the Security Instrument, I make a full prepayment <br />or, in certain cases a partial prepayment, and the total of such prepayment(s) in any 12-month period exceeds <br />TWENTY PERCENT (20%) of the original principal amount of this loan, I will pay a prepayment charge in <br />an amount equal to the payment of 6 months advance interest on the amount by which the total of my <br />prepayment(s) within that 12-month period exceeds TWENTY PERCENT (20%) of the original principal <br />amount of the loaD. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants l<ontained in this Prepayment <br />Rider. <br /> <br />~~~~. <br /> <br />Wilber F Stauss, sa <br /> <br />~'J14 <br /> <br />An 1a S~ul ~z <br />~\ <br /> <br />, .' <br /> <br />NCMC <br />PrepaymCllt Penalty Rider <br />Fixed Rate - 1 st Lillll - MultiStata <br />RB-Sll (080106) <br /> <br />Page 1 of 1 <br /> <br />1011834517 <br /> <br />"': '\:, \, <br /> <br />. i <br />