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2004MG4 <br />BY SIGNING BELOW, Borrower accepts and <br />contained in this Prepayment Rider. <br />MELINDA S. MANGUS Date <br />LOAN #: 04— E63141 <br />agrees to the terms and covenants <br />Z <br />E. S ate <br />Prepay Rider - Multistate - AZ, CA, CO & CT (fixed & ARMs), DE, <br />FL, GA, ID, IL, IN, KY (2nds), ME (fixed), MT, ND, NE, NV, OK, <br />PA, RI, SC, SD, TN, TX, UT, WA, and WY. Modified 07/01/03 <br />Online Documents, Inc. Page 2 of 2 <br />1432PPR 0307 <br />11 -19 -2004 14:40 <br />