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<br />200510329 <br /> <br />PREPAYMENT RIDER <br /> <br />0148130115 <br /> <br />THIS PREPAYMENT RIDER is made this ..Jgth...... day of ...Q.c.rQ!?~.8....... ....gQQ9..... , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the <br />undersigned (the "Borrower") to secure Borrower's Note to ................................................ <br /> <br />...................... ..W~kkf? .f.A.I3. G.Q. .~A.~ lS"J..~ :~............................................................................... <br /> <br />of the same date and covering the Property described in the Security Instrument and <br />located at: . J?Ql..W.~.$.I.~ Q.~.N!G.. ~T.8. ~~r,. .~fl.ANo.. J.$.~~No.J..N~.. .9.emn............................ <br />(Property Address) <br /> <br />PREPAYMENT COVENANTS. In addition to the covenants and agreements <br />made in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br /> <br />I have the right to make payments of principal at any time before they are due. <br />A prepayment of all of the unpaid principal is known as a "full prepayment." A <br />prepayment of only part of the unpaid principal is known as a "partial prepayment." <br /> <br />Except as provided below, I may make a full prepayment or a partial <br />~repayment at any time without paying any penalty. However, if within the first <br />J..YHL.... (..2..) year(s) after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to the payment of six <br />(6) months' advance interest, at the interest rate provided for under the Note, on the <br />amount prepaid which is in excess of twenty percent (20%) of the original principal <br />amount. <br /> <br />Prepayment Rider <br />(AK, AL, CA, CO, CT, DE, DC. FL, GA, HI, 10, <br />IN, lA, KS, KY, LA, MD, MS, MO, MT, NE, NV, NH, NJ, <br />NM, NY, NO, OK, PA, RI, SO, TN, TX, UT, VT, WA, WY) <br /> <br />(Page 1 of 2) <br />EC200L Rev. 09/05/03 <br /> <br />< <br />