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Balloon Payment Rider to Security Instrument, <br />(To Be Recorded Together with Security Instrument) 4 3 9 4 <br />This BALLOON PAYMENT RIDER (the "Rider ") is made this 26th day of May, 2000 and amends the Mortgage, Deed <br />of Trust or Security Deed (the "Security Instrument ") dated the same date and given by the person(s) who sign below (the <br />"Borrower(s) ") to EquiFirst Corporation (the "Lender ") to secure repayment of a Note in the amount of U.S. <br />$ 55,600.00. <br />In addition to the agreements and provisions made in the Note and the Security Instrument, both the Borrower(s) and <br />the Lender further agree as follows: <br />THIS LOAN IS PAYABLE IN FULL AT THE MATURITY DATE. THE "MATURITY DATE" <br />IS May 26, 2015 YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN <br />AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO <br />REFINANCE THE LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO <br />MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL <br />HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN <br />WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT <br />MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS <br />NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING <br />FROM THE SAME LENDER. <br />At least ninety (90), but not more than one hundred twenty (120) days prior to the Maturity Date, the Lender must send <br />the Borrower(s) a notice which states the Maturity Date and the amount of the 'Balloon Payment" which will be due on the <br />Maturity Date (assuming all scheduled payments due between the date of the notice and the Maturity Date are made on <br />time). <br />_... <br />00 <br />C� <br />Kerri Jean Seim <br />10256 <br />EF033 (12/99) <br />