Automatic Document Separation: A Combination of Probabilistic Classification and Finite-State Sequence Modeling - Natural Language Processing and Text Mining - page 126

4. BORROWER'S RIGHT TO PREPAY
I 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 I make a Pre-
payment, I will tell the Note Holder in
writing that I am doing so. I may not
designate a payment as a Prepayment if
1 have not made all the monthly pay-
ments due under the Note. I may make a
full Prepayment or partial Prepayments
without paying a Prepayment charge.
The Note Holder will use my Prepay-
ments to reduce the amount of Principal
that I owe under this 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 I make a par-
tial Prepayment, there willpe no changes
in the due date or in the amount of my
monthly payment unless the Note Holder
agrees in writing to those changes.

Fig. 8.2. Image and OCR text from a sample Note

Table 8.1. Some of the features extracted from a Note

Token #Occur Token #Occur Token #Occur

accru 1 chang 2 fanni 1

acm 1 charg 3 fix 1

address 1 check 1 form 3

agre 1 citi 1 freddi 1

ani 3 compani 1 ftill 1

anyon 1 date 5 holder 6

appli 4 day 1 home 1

august 1 dbs 1 howev 1

befor 4 default 1 initi 1

begin 1 describ 2 ink 1

borrow 2 design 1 instrument 1

bowi 1 differ 1 interest 9

box 1 entitl 1 juli 1

burtonsvil 1 everi 2 known 1

cash 1 famili 1 la 1