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LOAN # 3515 <br />BALLOON RIDER <br />(Full Repayment Required at Maturity) <br />200006028 <br />THIS BALLOON RIDER is made this 20th day of July, 2000 , and is <br />incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed to <br />Secure Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the <br />Borrower's Note to BWM MORTGAGE, L.L.C. <br />(the "Lender ") of the same date <br />and covering the property described in the Security Instrument and located at: <br />819 S KIMBALL, GRAND ISLAND, NEBRASKA 68801 <br />(Proper(y 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 the Lender may transfer the Note, Security Instrument and this Rider. The Lender or anyone <br />who takes the Note, the Security Instrument and this Rider by transfer and who is entitled to receive payments under <br />the Note is called the "Note Holder ". <br />The Note is a Balloon Note which means that the amount of my monthly payment is insufficient to repay <br />the Note in full by Maturity. Therefore, the final payment will be significantly larger than the other payments under <br />the Note. <br />I understand that the Lender is under no obligation to refinance the Note or to modify the Note or reset <br />the Note Rate or to extend the Note Maturity Date or the Maturity Date of this Security Instrument, and that I will <br />have to repay the Note from my own resources or find a lender willing to lend me the money to repay the Note. <br />I further understand that should I not repay the Note on or before the Maturity Date, I will be in default, <br />and the Lender will have the right to exercise all of its rights against me because of my default, including the right <br />to foreclosure of the Security Instrument, or other remedies permitted by law. <br />BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants contained in this <br />Balloon Rider. <br />GARY W 10ON - Borrower <br />CAROLYN —SUE WILSON Borrower <br />(W <br />- Borrower <br />(Seal) <br />Borrower <br />Balloon Rider <br />(8 -2 -95) JC- 22205 -11 <br />WLSH33.WP <br />