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200113294 BALLOON RIDER (CONDITIONAL RIGHT TO REFINANCE) THIS BALLOON RIDER is made this 14TH day of DECEMBER, 2001 , 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 given by the undersigned ( "Borrower ") to secure Borrower's Note to HOMECOMINGS FINANCIAL NETWORK, INC. ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 1914 WEST LOUISE STREET GRAND ISLAND, NE 68803 [Property Address] 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 Instrument 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 JANUARY 1ST, 2032 , and with an interest rate equal to the "New Note Rate" determined in accordance with Section 3 below if all the conditions provided in Section 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 conditions must be met as of the Maturity Date. These conditions are: (a) I must still be the owner and occupant of the property MULTISTATE BALLOON RIDER - Single Family - Fannie Mae Uniform Instrument MFCD8754- (4/01) / 041- 323195 -2 -872R (0006) Page 1 of 3 Initials: VMP MORTGAGE FORMS - (800)521- 1 Form 3180 1/01