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200110644 PREPAYMENT RIDER Loan No.: 01 -33670 Date: OCTOBER 15, 2001 Borrower(s): WILBER STAUSS FOR VALUE RECEIVED, the undersigned ( "Borrower ") agree(s) that the following provisions shall be incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed of even date herewith (the "Security Instrument ") executed by Borrower, as trustor, in favor of HEARTHSIDE LENDING CORP. ( "Lender "), as beneficiary, 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 Prepayment Rider (the "Rider ") are inconsistent with the provisions of the Security Instrument and /or the Note, the provisions of the Rider shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument and /or the Note. Section 4 of the Note is amended to read in its entirety as follows: . 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 prepayment, I will tell the Note Holder in writing that I am doing so. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial prepayment may reduce the amount of my monthly payments after the first Change Date following my partial prepayment. If within F I VE ( 5 ) years from the date of execution of the Security Instrument I make a full prepayment or, in certain cases a partial prepayment, I will pay a prepayment charge in an amount equal to the payment of SIX ( 6 ) months' advance interest on 80% of the remaining balance." IN WITNESS WHEREOF, the Borrower has executed this Rider on the day of Borrower Date WILBER STAUSS Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date PREPAYMENT RIDER Document Systems, Inc. (800) 649 -1362 P3. RDR