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RECORDING REQUESTED BY, AND WHEN RECORDED MAIL To: 9 9 1 O 6 S 1 � ANIl�ESCO Residential Mortgage Attn: Collateral Management 16800 AS'I17N STREET IRVINE, C'A 92606 Loan No. : 0011369600 lication No. : 0011369600 (Space above this line for Recorder's use) RIDER A DATE: July 2, 1999 FOR VALUE RECEIVED, the undersigned ("Borrower") agree(s) that the following provisions shall be incorporated into that certain Deed of Trust of even date herewith (the "Security Instrument") executed by Borrower, as trustor, in favor of ANff2ESCl� Residential Mortgage Corporation, a Delaware corporation ("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 Rider A are inconsistent with the provisions of the Security Instrument and/or the Note, the provisions of this Rider A shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument and/or the Note. Section 5 of the Note is amended to read in its entirety as follows: "5. BORROWER'S RIGHT TO PREPAY; PREPAYMENT CHARGE I have the right to make payments of principal at any time before they are due, together with accrued interest. When I make a prepayment, I will tell the Note Holder in writing that I am doing so. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. If within two ( 2 ) years from the date of execution of the Security Instrument (as defined below) I make a full prepayment or partial prepayment(s), I will at the same time pay to the Note Holder a prepayment charge. An amount not exceeding twenty percent (20%) of the original principal amount may be prepaid in any twelve-month period without penalty. A prepayment charge will be imposed on any amount prepaid in any twelve-month period in excess of twenty percent (20%) of the original principal amount of the loan which charge shall not exceed an amount equal to the payment of six months' advance interest on the amount prepaid in excess of twenty percent(20%)of the original principal amount. The prepayment charge shall be payable regardless of whether the prepayment is voluntary or whether it is involuntarily caused by a default of the terms of this Note and the underlying Security Instrument securing this Note. " IN WITNESS WHEREOF, the Borrower has executed this Rider A on the day of , 19_ . � O,J��-u- G( � � �� orrower BRIAN G. RU2ICKA orrower TERESA L. RUZICKA orrower orrower orrower orrower Space below this line for Acknowledgment PLEASE RETURN TC): STATE TITLE SERVICES, INC. 1023 LINCOLN MALL P.O. BOX 85355 LfNCOLN, NEBRASKA 68501 ,�nn.�u.