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200505402 PREPAYMENT RIDER Loan Number: 5000003565 Date: JUNE 6, 2005 Borrower(s): MATTHEW A. TREFFER FOR VALUE RECEIVED, the undersigned ( "Borrower ") agree(s) that the following provisions shall be incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed of even date herewith (the "Security Instrument ") executed by Borrower, as trustor or mortgagor, in favor of BRAVO CREDIT CORPORATION, A CALIFORNIA CORPORATION ( "Lender "), as beneficiary or mortgagee. To the extent that the provisions of this Prepayment Rider (the "Rider ") are inconsistent with the provisions of the Security Instrument, the provisions of the Rider shall prevail over and shall supersede any such inconsistent provisions of the Security Instrument. PREPAYMENT COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under the Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payment unless the Note Holder agrees in writing to those changes. If the Note provides for changes in the interest rate, my partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. If within TWENTY FOUR ( 24 ) months from the date of execution of the Security Instrument I make a full Prepayment or, in certain cases a partial Prepayment, and the total of such Prepayment(s) in any 12 -month period exceeds TWENTY PERCENT ( 2 0 %) of the original Principal amount of this loan, I will pay a Prepayment charge in an amount equal to the payment of S I X (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 the loan. IN WITNESS WHEREOF, the Borrower has executed this Rider on the day of os- 13 rrower MATTHEW A!TREFFER Date orrower Kamra . Treffer Date Borrower Date Borrower Date Borrower Date Borrower MULTISTATE PREPAYMENT RIDER 1 /01 Poroment Systems, Inc. (800) 690 -1362 Uspr.gbf