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20000072� RIDER A Loan Number NE011438 DATE: JANUARY 17, 2000 FOR VALUE RECEIVED, the undersigned ("Borrower") agree(s) that the following provisions shall be incorporated into that certain Deed of Trust, Mortgage, Deed to Secure Debt, Security Deed or other security instrument of even date herewith (the "Security Instrument") executed by Borrower in favor of AAMES FUNDING CORPORATION, A CALIFORNIA CORPORATION, DBA AAMES HOME LOAN ("Lender"), as beneficiary or mortgagee, and also into that certain promissory note (the "Note") of even date herewith executed by Borrower in favor of Lender. To the extent that the provisions of this Rider A are inconsistent with the provisions of the Security Instrument and/or the Note, the provisions of this Rider A shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument and/or the Note. Section 5 of the Note is amended to read in its entirety as follows: "5. BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I have the right to make payments of principal at any time before they are due, together with accrued interest. When I make a prepayment, I will tell the Note Holder in writing that I am doing so. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. If within TWO ( 2 ) years from the date of execution of the Security Instrument (as defined below) I make a full prepayment or partial prepayment(s), I will at the same time pay to the Note Holder a prepayment charge. The prepayment charge will be equal to six(6) months' advance interest on the amount of the prepayment that, when added to all other amounts prepaid during the twelve (12) month period immediately preceding the date of the prepayment, exceeds twenty percent (20%) of the original principal amount of this Note." IN WITNESS WHEREOF, the Borrower has executed this Rider A on the day of . i , - �,�a�, U� �—i►r1,c�.e�r� � Bo wer Borrower KEITH A. ANDERSON SUSAN E. ANDERSON Borrower Borrower Bonower Bonower CA ARM PROGRAMS (REV 1/98) Document Systems,Irc.(800)649-1362 CAARMRDR.OS