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200208013 <br />0000776102 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />-(iCti� os� -c (Seal) <br />RESA M. HE ANSEN - Borrower <br />Subprime Prepayment (1.5 yrs) Rider <br />Parity Act - AK, AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, <br />10, IN, IA, KS, KV, LA, MO, MS, MO, MT, NE, NV, NH, <br />NJ, NM, NO, OK, PA, RI, SO, TN, TX, UT, W, WA, WY (Page 2 of 2) <br />OCC - NV EC200L Rev. 12/26/01. <br />