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200201900 <br />9969352M EX <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />C-7 (Seal) <br />JOSE J. G - Borrower <br />�no (Seal) <br />ELF ER AN E UERRERO - Borrower <br />Subprime Prepayment (1 -5 yrs) Rider - Fixed Rate <br />(AL, AR, A2, CA, CO, CT, DE, FL, GA, HI, IN, KY, <br />ME, MT, ND, NE, NH, NV, OK, SD, TN, UT, WA, <br />MA (N/C/0 properties) <br />TX (int rate cannot exceed 12 %) <br />WY (first mtgs onlly, int rate cannot exceed 113%)) <br />(Page 2 of 2) <br />EC180L Rev. 05/11199 <br />