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200105105 <br />5996209M EX <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />le e,- (Seal) <br />EVE RCARAVAN - Borrower <br />�, li �d (Seal) <br />CR TAL CARAVA - Borrower <br />Subprime Prepayment (1 -5 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, <br />ID, IL, IN, IA, KS, KY, LA, MD, MS, MO, MT, NE, NV, NH, <br />NJ, NM, ND, OK, PA, RI, SD, TN, TX, UT, VT, WA, WY <br />OCC - NY <br />(Page 2 of 2) <br />EC200L Rev. 02 /08/01 <br />