as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my

est due as a late charge. Prepayment Penalty: If I make any Prepayments on or before the Twenty Fourth (24th) scheduled payment date, I will pay a Prepayment charge of one percent (1.00%) of the amount prepaid in excess of 20% of the original Principal balance within any consecutive twelve month period.