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201211035 <br /> BALLOON RIDER <br /> THIS BALLOON RIDER is made this lSth 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 /> InstrumenY') of the same date given by the undersigned (`Bonower") to secure Borrower's Note to <br /> Exchange Bank("Lender")of the same date and covering the property described in the Security Instnunent <br /> and located at: <br /> 501 Berber St <br /> Cairo,NEBRASKA 68824 <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 iransfer 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 entided 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 /> Inshvinent, Borrower and Lender further covenant and agree as follows (despite anything to the contrary <br /> contained in the Security Instrument ar the Note): <br /> THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE <br /> ENTIItE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE <br /> LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIIVIE. 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, WIIICH MAY BE TH� <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 TAE SAME LENDER. <br /> MULTISTATE BALLOON RIDER <br /> Page 1 of 2 <br /> IDS.Inc. <br />