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201204833 : � �Z� ► : �� ;� THIS BALLOON RIDER is made this 9th day of June, 2012, and is incorporated into and sha11 be deemed to amend and supplenfent the Mortgage, Deed of Trust or Security Deed (the "Security Insirument") of the same da.te given by the undersigned (`Borrower") to secure Borrower's Note to Egchange Bank ("Lender") of the same date and covering the properiy described in the Security Instrument and located at: 4163 New Me�co Ave � Grand Island, NEBRASKA 68803 (Properiy Addtess) The interest rate stated on the Note is called the "i�Tote Rate." The date of the Note is called the "Note Date." I understand Lender may hansfer the Note, Security Instrument and this Rider. The Lender or anyone who takes the Note, the Security Instrument and this Rider by transfer and who is entitled to receive payments under the Note is called the "Note Hold�r:r." ADDITIONAL COVENANTS. In addition to the covenants and agreements in �the Security Instrument, Borrower and Lender further covenant and a,gree as follows (despite anything to the contcary 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 REQUIRED 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 TIiE 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 SIGI�TING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Balloon Rider. �� (Sea11 Gerald P Carkosl� -Borrower MULTISTATE BALLOON RIDER ��, �. Sea1 Suzan e Carkoski -Borrower a Suzanne Carkos pYZginalOnly) Page 1 of 1