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201504234 <br /> I <br /> BALLOON RIDER ' <br /> THIS BALLOON RIDER is made this 19th day of June, 2015, and is incorporated into and sha11 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 Securiiy Instrument and located at: <br /> 4443 W Capital Ave <br /> Grand Island,NEBRASKA 68803 <br /> (Property Address) <br /> The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the "Note � <br /> Date."I understand Lender may transfer the Note, Security Instrument and this Rider.The Lender or anyone <br /> who takes the Note, the Security Instrwnent and this Rider by iransfer 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 ENTIRE <br /> PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER <br /> 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 /> THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU <br /> OBTAIN REFINANCING FROM THE SAME LENDER. <br /> MULTISTATE BALLOON RIDER <br /> Page 1 of 2 <br /> IDS,Inc. <br /> I <br />