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99 � 119�2 <br /> Balloon Rider <br /> This loan is payable in full at maturity. You must repay the entire principal <br /> balance of the loan and unpaid interest then due. The lender is under no <br /> obligation to refinance the loan at that time. You will, therefore, be required <br /> to make payment out of other assets that you may own, or you will have to <br /> find a lender, which may be the lender you have this loan with, willing to <br /> lend you the money. If you refinance this loan at maturity, you may have to <br /> pay some or all of the closing costs normally associated with a new loan <br /> even if you obtain refinancing from the same lender. <br /> Date: December 16, 1999 <br /> RANDALL M. PO ORNEY <br /> ��� � � <br /> J I R. POKORNEY <br />