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200501.801 <br />0142619519 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br />C <br />(Seal) <br />DOUG WDADY - Borrower <br />Prepayment Rider <br />(AK, AL, CA, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, <br />KY, LA, MD, MS, MO, MT, NE, NV, NH, NJ, NM, NY, ND, <br />OK, PA, RI, SD, TN, TX, UT, VT, WA, WY) <br />(Page 2 of 2) <br />EC200L Rev. 09 /05/03 <br />