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BY SIGNING BELOW, Borrower a <br />contained in this Prepayment Rider. <br />200410896 <br />rees to the terms <br />01 <br />_(Seal) <br />rrower <br />ti �r _,Seal) <br />WENDY D:_ZN ENACEK - orrower <br />sions <br />Prepayment Rider <br />(AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IN, KY, (Page 2 of 2) <br />MA, ME, MT, ND, NE, NH, NV, NY, OK, PA, SC, SD, TN, TX, UT, WA, WY) EC180L Rev. 09/04/03 <br />