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201808050 LOAN #: 12134649 BALLOON RIDER (CONDITIONAL RIGHT TO REFINANCE) THIS BALLOON RIDER is made this loth day of December,2018 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date givenby the undersigned ("Borrower") to secure Borrower's Note to Exchange Bank, a State Chartered Bank ("Lender") of the same date and covering the property described in the Security Instrument and located at: 2415 Riverview Dr, Grand Island, NE 68801. The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the "Note Date." I understand Lender may transfer the Note, Security Instru- ment, and this Rider. Lender or anyone who takes the Note, the Security Instrument, and this Rider by transfer and who is entitled to receive payments under the Note is called the "Note Holder." ADDITIONAL COVENANTS. In addition to the covenants and agreements in the Security Instrument, Borrower and Lender further covenant and agree as follows (despite anything to the contrary contained in the Security Instrument or the Note): 1. CONDITIONAL RIGHT TO REFINANCE At the Maturity Date of the Note and Security Instrument (the "Maturity Date"), I will be able to obtain a new loan ("New. Loan") with a new Maturity Date of December 14, 2019 and with an interest rate equal to the "New Note Rate" determined in accordance with Section 3 below if all the conditions provided in Sec- tion 2 and 5 below are met (the "Conditional Refinancing Option"). If those conditions are not met, I understand that the Note Holder is under no obligation to refinance or modify the Note, or to extend the Maturity Date, and that I will have to repay the Note from my own resources or find a lender willing to lend me the money to repay the Note. 2. CONDITIONS TO OPTION If I want to exercise the Conditional Refinancing Option at maturity, certain condi- tions must be met as of the Maturity Date, These conditions are: (a) 1 must still be the owner of the property subject to the Security Instrument (the "Property"); (b) I must be ca current in my monthly payments and nno have been more than 30 days ate on any of the 12 scheduled monthly payments immediately preceding the Maturity Date; (c) the New Note Rate cannot be more than five percentage points above the Note Rate; and (d) I must make a written request to the Note Holdergas provided in Section 5 below. 3. CALCULATING THE NEW NOTE RATE The New Note Rate will be a fixed rate of interest equal to Fannie Mae's required net yield for 30 -year fixed-rate mortgages subject to a 60 -day mandatory delivery commitment plus ZERO percentae point(s) ( 0.000 %), rounded to the nearest one-eighth of one percentage point (0.125%) (the "New Note ate"). The required net yield shall be the applicable net yield in effect on the date and time of day that the Note Holder receives notice of my election to exercise the Conditional Refinanc- ing Option. If this required net yield is not available, the Note Holder will determine the New Note Rate by using comparable information. 4. CALCULATING THE NEW PAYMENT AMOUNT Provided the New Note Rate as calculated in Section 3 above is not greater than five ercentage points above the Note Rate and all other conditions required in Sec- tion 2 above are satisfied, the Note Holder will determine the amount of the monthly payment that will be sufficient to repay in full (a) the unpaidrincipal, plus (b)accrued but unpaid interest plus (c) all other sums 1 will owe under the Note and Security nstrument on the maturity Date (assuming my monthly payments then are current, as. required under Section 2 above), over the term of the New Note at the New Note Rate n equal monthly payments. The result of this calculation will be the amount of my new principal and interestppayment every month until the New Note is fully paid. 5. EXERCISING THE CONDITIONAL REFINANCING OPTION The Note Holder will notify me at least 60 calendar days in advance of the Maturity Date and advise me of the principal, accrued but unpaid interest, and all other sums I am expected to owe on the Maturity Date. The Note Holder also will advise me that I may exercise the Conditional Refinancing Option if the conditions in Section 2 above; are met. The Note Holder will provide my payment record information, together with the name, title, and address of the person representing the Note Holder th I ust Initials' MULTISTATE BALLOON RIDER -Single Family -Fannie Mae Uniform Instrument Form 3180 1/01 (rev. 9/01) Ellie Mae, Inc. Page 1 of 2 F3180BLR 0412 F3180BLL (CLS) 12/05/2018 12:41 PM PST