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201210788 <br />BALLOON RIDER <br />THIS BALLOON RIDER is made this 14th day of December, 2012, and is incorporated into and <br />shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security <br />Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Note to <br />Exchange Bank ( "Lender ") of the same date and covering the property described in the Security Instrument <br />and located at: <br />821 S Locust St <br />Grand Island, NEBRASKA 68801 <br />(Property Address) <br />The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the <br />"Note Date." I understand Lender may transfer the Note, Security Instrument and this Rider. The Lender or <br />anyone who takes the Note, the Security Instrument and this Rider by transfer and who is entitled to receive <br />payments under the Note is called the "Note Holder." <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows (despite anything to the contrary <br />contained in the Security Instrument or the Note): <br />THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE <br />ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE <br />LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU <br />WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT <br />YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE <br />LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU <br />REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF <br />THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU <br />OBTAIN REFINANCING FROM THE SAME LENDER. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Balloon Rider. <br />William R Koller <br />MULTISTATE BALLOON RIDER <br />(Seal). (Seal) <br />- Borrower - Borrower <br />(Sign Original Only) <br />Page 1 of 1 <br />