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Loan Number0001893262 200410428 PREPAYMENT RIDER ADJUSTABLE RATE LOAN This Prepayment Rider is made this 2 0 t h day of October 2004 and is incorporated into and shall be deemed to amend and supplement the Promissory Note (the "Note ") and Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure repayment of Borrower's Note to NEW CENTURY MORTGAGE CORPORATION (the "Lender "). To the extent that the provisions of this Prepayment Rider are inconsistent with the provisions of the Note and /or Security Instrument, the provisions of this rider shall prevail over and shall supersede any such inconsistent provisions of the Note and /or Security Instrument. In addition to the covenants and agreements made in the Note and Security Instrument, the Borrower and Lender further covenant and agree as follows: 5. BORROWERS RIGHT TO PREPAY I have the right to make prepayments of principal 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 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. H within 2 year(s) from the date of execution of the Security Instrument, I make a full prepayment or, in certain cases a partial prepayment, and the total of such prepayment(s) in any 12 -month period exceeds TWENTY PERCENT (20 %) of the original principal amount of this loan, I will pay a prepayment charge in an amount equal to the payment of 6 months advance interest on the amount by which the total of my prepayment(s) within that 12 -month period exceeds TWENTY PERCENT (20 %) of the original principal amount of the loan. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. . i", P 4-m-A RYA P. WILKE NCMC Generic Prepayment Rider RE 103 Revised (020800) (A41,c-A1Ah' CARI A. WILKE RE -1031d JP 061702