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BALLOON RIDER <br />THIS BALLOON RIDER is made this 28th day of August, 2014, and is incorporated into and shall be <br />deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") <br />of the same date given by the undersigned ("Borrower") to secure Borrower's Note to Exchange Bank <br />( "Lender") of the same date and covering the property described in the Security Instrument and located at: <br />The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the "Note <br />b Date." I understand Lender may transfer the Note, Security Instrument and this Rider. The Lender or anyone <br />r 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 />y ADDITIONAL COVENANTS. In addition to the covenants and agreements in the Security <br />r " Instrument, Borrower and Lender further covenant and agree as follows (despite anything to the contrary <br />r'' contained in the Security Instrument or the Note): <br />44 <br />C <br />THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE <br />PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER <br />y IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, <br />THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU <br />-� MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER <br />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 />C. THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU <br />` OBTAIN REFINANCING FROM THE SAME LENDER. <br />MULTISTATE BALLOON RIDER <br />418 N Carey Ave <br />Grand Island, NEBRASKA 68803 <br />(Property Address) <br />Page 1 of 2 <br />2©1 <br />