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200611351 PREPAYMENT RIDER This Prepayment Rider is made this 18th day of December, 2006 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Note (the "Note'') to M&I Bank FSB (the "Lender") of the same date and covering the property described in the Security Instrument and located at 116 BEACHWOOD DRIVE Additional Covenants. Notwithstanding anything to the contrary set forth in the Note or Security Instrument, Borrower and Lender further covenant and agree as follows: Borrower has the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "prepayment." A "full prepayment" is the prepayment of the entire unpaid Principal due under the Note. A payment of only part of the unpaid Principal is known as a "partial prepayment." When Borrower makes a prepayment, Borrower will tell the Note Holder in writing that Borrower is doing so. Borrower may not designate a payment as a prepayment if Borrower has not made all the monthly payments due under the Note. If, within the thirty-six month period beginning with the date Borrower executes the Note (the "Penalty Period"), Borrower makes a full prepayment or partial prepayment in any twelve (12) month period that exceeds twenty percent (20%) of the original Principal Balance, Borrower will pay a prepayment fee as consideration for the Note Holder's acceptance of such prepayment. The prepayment fee is in addition to any other sum payable hereunder. The prepayment fee will equal the amount of interest that would accrue during a six (6) month period on the amount prepaid that exceeds twenty percent (20%) of the original Principal Balance of the Note, calculated at the rate of interest in effect under the terms of the Note at the time of the prepayment, unless otherwise prohibited by applicable law or regulation. No prepayment fee will be assessed for any prepayment occurring after the Penalty Period. Notwithstanding the foregoing, in the event of a full prepayment concurrent with a bona fide sale of the Property to an unrelated third party after the first thirty-six month(s) of the term of the Note, no prepayment penalty will be assessed. In that event, Borrower agrees to provide the Note Holder with evidence acceptable to the Note Holder of such sale. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in t is rep ent ider. (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower Initials: LN:**0540 Z603BR2. uff 9/06 Page 1 of 1