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200004521 <br />5753034M EX <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />(Seal) <br />DAITIEL K. STUBBS - Borrower <br />(Seal) <br />L STU B - Borrower <br />Subprime Prepayment (1 -5 yrs) Rider - Fixed Rate <br />(AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, KY, <br />ME, MT, ND, NE, NH, NV, OK, SD, TN, UT, WA, <br />MA (N /O /O properties) <br />TX (int rate cannot exceed 12 %) <br />WY (first mtgs onlly, int rate cannot exceed 18 %)) <br />(Page 2 of 2) <br />EC180L Rev. 05/11199 <br />