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200701710 FEB-23-2007 20:21 8152331301 SECURITY FIRST TITLE 'toan # 002004178540 PREP A YMENT RIDER (SECURITY INSTRUMENT) Fixed Rate Note -- Three Year Penalty Period , This Prepayment Rider is incorporated into and shall be deemed to amend and supplement the Mortgage, , Trust Deed, Deed of Trust or Security Deed (the "Security Instrument") of the same date executed by the : undersigned ("Borrower") to secure Borrower's Note or Fixed Rate Note, as applicable (the "Note") ! payable to CitiMortgage, Inc. : (the "Lender"). . Additional Covenants, In addition to the covenants and agreements made in the Security Instrument, · Borrower and the Lender further Covenant and agree as follows: : Paragraph I of the Security Instrument shall be modified by adding the following to the end of Section 1 · entitled "Payment of Principal and Interest, Escrow Items, Prepayment Charges and Late Charges": Borrower shall have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment". When Borrower makes a prepayment, Borrower will tell the Lender in writing that Borrower is doing so. Borrower may not designate a payment as a prepayment if Borrower has not made all the monthly payments due under the Note. Within the first three (3) years from the date of this Note, if the Borrower prepays the balance of the Nole in full, the Borrower agrees to pay a prepayment penalty in an amount as follows; Three percent (3%) of the unpaid Principal Balance of the Note if the Borrower prepaid prior to one year after the date of the Note; Two percent (2%) of the unpaid Principal Balance of the Note if the Borrower prepaid from one year but prior to two years after the date of the Note; One percent (1 %) of the unpaid Principal Balance of the Note if the Borrower prepaid from two years but prior to three years after the date of the Note; No prepayment period penalty will be assessed for any prepayment made after the Penalty Period. Lender will waive the prepayment penalty if the prepayment is concurrent with the sale of the Property and Borrower provides evidence satisfactory to Lender of such Sale. The Lender will use my Prepayments to reduce the amount of the Principal that I owe under the Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If Borrower makes a partial Prepayment, the will be no changes in the due date or in the amount of Borrower's monthly payment unless the Lender agrees in writing to those changes. The Lender's failure to collect a prepayment penalty at the time a prepayment is received shall not be deemed a waiver of such penalty and any such penalty shall be payable on demand. . MB 4625 Page 1 of 2 Rev. 04/2006 CiliMortgage 3,2,7.14 V2 P.006/033