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[Space Above This Line For Recording Data] <br />BALLOON RIDER <br />201807758 <br />Loan Number: 1181116000 <br />THIS BALLOON RIDER is made this 28th day of NOVEMBER 2018 , and <br />is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security <br />Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure <br />Borrower's Note (the "Note") to CEDAR RAPIDS STATE BANK, A NEBRASKA BANKING <br />CORPORATION <br />(the "Lender") of the same date and covering the property described in the Security Instrument and located at: <br />1284 2ND AVENUE, DANNEBROG, NEBRASKA 68831 <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 the Lender may transfer the Note, Security Instrument and this Rider. The Lender or <br />anyone who takes the Note, the Security Instrument and this Rider by transfer 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 IS <br />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 MAY <br />OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE <br />THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN <br />AT 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 FROM <br />THE SAME LENDER. <br />MULTISTATE BALLOON RIDER DocMag/cam <br />04/26/04 Page 1 of 2 www.docmagic.com <br />