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200110001 <br />Do not sign this Prepayment Rider before you read it. This Prepayment Rider provides for <br />the payment of a charge if you wish to repay the loan prior to the date provided for repayment. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Prepayment Rider. <br />(Seal) (Seal ) <br />A R I ANE J WATCH - Borrower J RRY L WATCH - Borrower <br />—(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />_(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Version 1.0 (09/07/99) Page 2 of 2 LRI89USB <br />