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200800308 PREPAYMENT RIDER This Prepayment Rider is made this 8th day of January, 2008 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 3114 MEMPHIS PLACE GRAND ISLAND, NE 68803 (the "Property"). 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. Upon prepayment of this Note, Lender is entitled to the following prepayment fee: If Borrower prepays this Note during the first 12, 24, or 36 months, Borrower agrees to pay a prepayment fee of 3%, 2%, or 1% respectively, of the initial principal amount of this Note unless otherwise prohibited by applicable law or regulation. Except for the foregoing, Borrower may pay all or a portion of the amount owed earlier than it is due. 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 zero 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 this Prepayment Rider. ~/Ih~- (Seal) AmAJft1~/'-- ___/- (Seal) KENNY V KA F/KJA THE NGUYEN -Borrower ~ EN -Borrower DTVO -l1A.U~/ THUY T NGUYEN (Seal) (Seal) -Borrower - Borrower Initials: ID:**546272 Z603BR2. uff 9/06 Note:**OOO Page 1 of 1 LN:"''''7479