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200308017 <br />0130637689 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />1 (Seal) <br />ERT L H S N - Borrower <br />(Seal) <br />MARY A. TH MP ON - Borrower <br />Subprime Prepayment (1-5 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, <br />ID, IN, IA, KS, KY, LA, MD, MS, MO, MT, NE, NV, NH, <br />NJ, NM, ND, OK, PA, RI, SD, TN, TX, UT, VT, WA, WY <br />OCC - NY <br />(Page 2 of 2) <br />EC200L Rev. 12/26/01 <br />