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200202672 <br />s** M'I KIM LT, IWA <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />(Seal) <br />AUDA MART ROD - Borrower <br />Subprime Prepayment (1-55 yrs) Rider - Fixed Rate <br />(AL, AR, AZ, CA, CO, CT, DE, FL, GA, H1, 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 18 %)) <br />(Page 2 of �) <br />EC180L Rev. 05/11/99 <br />