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200002714 <br />Balloon Rider <br />This loan is payable in full at maturity. You must repay the entire principal <br />balance of the loan and unpaid interest then due. The lender is under no <br />obligation to refinance the loan at that time. You will, therefore, be required <br />to make payment out of other assets that you may own, or you will have to <br />find a lender, which may be the lender you have this loan with, willing to <br />lend you the money. If you refinance this loan at maturity, you may have to <br />pay some or all of the closing costs normally associated with a new loan <br />even if you obtain refinancing from the same lender. <br />Date: March 27, 2000 <br />