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RESIDENTIAL CONSTRUCTION LOAN <br />BALLOON RIDER <br />LOAN #: 16618 <br />THIS BALLOON RIDER is made this 8th day of September, 2017 and is <br />incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br />of Trust or Security Deed (the "Security Instrument ") of the same date given by the under- <br />signed ( "Borrower ") to secure Borrower's Note (the "Note ") to Pathway Bank, a <br />Banking Corporation <br />( "Lender ") of the same date and covering the property described in the Security Instru- <br />ment and located at: 106W 13th St <br />Wood River, NE 68883 <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows (despite <br />anything to the contrary 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. <br />LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. <br />THEREFORE,YOU WILL BE REQUIRED TO MAKE PAYMENT OUT OF OTHER <br />ASSETS THAT YOU MAY OWN, ORYOU WILL HAVE TO FIND A LENDER, WHICH <br />MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE <br />MONEY. <br />IFYOU REFINANCE THIS LOAN AT MATURITY,YOU MAY HAVE TO PAY SOME <br />OR ALL CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN, EVEN <br />IFYOU OBTAIN REFINANCING FROM THE SAME LENDER. <br />Multistate — Residential Construction Loan Balloon Rider <br />Ellie Mae, Inc. Page 1 of 2 <br />201706169 <br />Initials' <br />GCNSTOBRDU 1016 <br />GCNSTOBRLU (CLS) <br />09/07/2017 01:02 PM PST <br />