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20050488'7 PREPAYMENT RIDER FIXED RATE 2ND LIEN This prepayment Rider is made this 27th day of May 2005 , and is incorporated into and shall be deemed to amend and supplement the Promissory Note (the "Note ") and Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure repayment of Borrower's Note to New Century Mortgage Corporation (the "Lender "). To the extent that the provisions of this Prepayment Rider are inconsistent with the provisions of the Note and/or Security Instrument, the provisions of this Rider shall prevail over and shall supersede any such inconsistent provisions of the Note and/or Security Instrument. In addition to the covenants and agreements made in the Note and Security Instrument, the Borrower and Lender further covenant and agree as follows: 6. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal any time before they are due. A prepayment of all the unpaid principal is known as a "full prepayment ". A prepayment of only part of the unpaid principal is known as a "partial prepayment ". Except as provided below, I may make a full or partial prepayment at any time. If I make a partial prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other partial prepayments, I must still make each later payment as it becomes due and in the same amount. I may make a full prepayment at any time. However, if within the first 2 year(s) after the execution of the Security Instrument, I make any prepayment(s) within any 12 -month period the total amount of which exceeds TWENTY PERCENT (20 %) of the original principal amount of this loan, I will pay a prepayment charge in an amount equal to the payment of six ( 6 ) months' advance interest on the amount by which the total of my prepayment(s) within that 12 -month period exceeds twenty percent (20 %) of the original principal amount of this loan. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. DENNIS A KOPERSKI NCMC Prepay Rider - Fixed 2°d (Multistate) RE -119 (012197) Page 1 of 1 HOLLY 1-2 BROOKS 1002169067