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<br />--- <br /> <br />200611246 <br /> <br />0156549412 <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 accelemted 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 "interesf' within the meaning of Section 85 of the National Bank <br />Act (12 USC 85; 12 C.F.R. & 7.4001{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 fedeml 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 />~~ <br />R ERT l SON <br /> <br />(Seal) <br />-Borrower <br /> <br />\'0(\. 1\ ~ \ h.~r:~ <br />MARY A T~MPSON <br /> <br />(Seal) <br />-Borrower <br /> <br />Prepayment Rider <br /> <br />PP010C Rev, 05131/06 <br />(Page 2 of 2) <br />