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200312550 <br />0132150905 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />_� ��� V � [ <br />(Seal) <br />MERTON M. SPRINGER - Borrower <br />(Seal) <br />AD MARIE SPRINGER d - Borrower <br />Prepayment Rider <br />(AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IN, KY, (Page 2 of 2) <br />MA, ME, MT, ND, NE, NH, NV, NY, OK, PA, SC, SD, TN, TX, UT, WA, WY) EC180L Rev. 11/26/02 <br />