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<br />200610077 <br /> <br />0156590143 <br /> <br />.?L <br /> <br />If within the first year after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to three percent (3%) of <br />the original principal amount. If within the second year after the execution of the Security <br />Instrument I make full prepayment, I will pay a prepayment charge in an amount equal <br />to two percent (2%) of the original principal amount. <br /> <br />If within the first year after the execution of the Security Instrument I make full <br />prepayment, I will pay a prepayment charge in an amount equal to three percent (3%) of <br />the original principal amount. <br /> <br />In the event the maturity of the Note is accelerated for any reason during the applicable <br />period of the prepayment charge, then the prepayment charge set forth herein shall be <br />due and payable. <br /> <br />All interest, fees and other amounts charged or accruing in connection with the Note <br />which are considered "interest" within the meaning of Section 85 of the National Bank <br />Act (12 use 85; 12 e.F.R. & 7.4oo1(a)) shall be governed by and interpreted under South <br />Dakota law. In all other respects, the Note and all related documents, as well as the <br />rights, remedies, and duties of the lender and the Borrower(s), shall be governed and <br />interpreted by federal law with respect to national banks and, to the extent not <br />preempted by federal law, the consumer protection laws of the state in which the real <br />estate is located. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions <br />contained in this Prepayment Rider. <br /> <br />~~ '2--J~ <br />~J:~ L~ <br /> <br />K STIN LINDEN <br /> <br />(Seal) <br />-Borrower <br /> <br />{S""eaJ) <br />-Borrower <br /> <br />Prepayment Rider <br /> <br />PP010C Rev. 05/31/06 <br />(Page 2 of 2) <br />