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�01�0421.� :• �� i � THIS BALLOON RIDER is made this 16th day of May, 2012, and is incorporated into and sha11 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 (`Borrower") to secure Borrower's Note to Ezchange Bank ("Lender") of the same date and covering the pmperty described in the Security Instrument and located a� 816 S Kimball Grand Island, NEBRASKA 68801 (Property Address) The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the "Note Date." I understand Lender may transfer the Note, Security Instrument and this Rider. The Lender or anyone who takes the Note, the Security Insfiunent and this Rider by tcansfer and who is entitled to receive payments under the Note is called the "Note Holder." ADDTI'IONAL COVENANTS. In addition to the covenants and agreements in the Security Instrvment, Borrower and Lender fiuther covenant and agree as follows (despite anything to the contrary contained in the Security Instrument or the Note): THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIItE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIlVIE. YOU WILL, THEREFORE, BE REQUIItED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER BY SIGNING BELOW, Borrower accepts and agrees to the terms and covena.nts contained in this Balloon Rider. a S2A1 �S�) J se A Beaty -Borrower -Borrower (Sign Original Only) MULTISTATE BALLOON RIDER ��, �. Page 1 of 1