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200300005 Loan Number 2233613 BALLOON RIDER (CONDITIONAL MODIFICATION AND EXTENSION OF LOAN TERMS) 'PHIS BALLOON RIDER is made this 14th day of DECEMBER, 2002 and is incorporated into acid shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Secure Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the Borrower's Note to HERITAGE BANK, CORPORATION (the "Lender ") of the sanu: date and covering the property described in the Security Instrument and located at: 1409 DODD STREET, WOOD RIVER, NEBRASKA 68883 [Property Address] The interest ram slated nn the Nom is called the "Note Ram." Thu date of the Note is called the "Note Date." I understand the Lender may transfer the Note, Security Instrument and this Rider. The 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 MODIFICATION AND EXTENSION OF LOAN TERMS At the maturity clam of the Nom and Security Instrument (the "Note Maturity Date "), I will be able to extend the Note Maturity Date to JANUARY, 1 2033 (the "Extended Maturity Date ") and modify the Note Rate to the "Modified Note Rare" determined in accordance with Section 3 below if all the conditions provided in Sections 2 and 5 below are met (the "Conditional Modification and Extension Option "). If those conditions are not met, I understand that the Note Holder is under no obligation to refinance the Note or to modify the Note, reset the Note Rare or extend the Note 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 Modification and Extension Option, certain conditions must be met as of the Note Maturity Date. These conditions are: (a) I must still be the owner and occupant of the property subject to the Security Instrument (the "Property"); (b) I must be current in my monthly payments and cannot have been more than 30 days late on any of the 12 scheduled monthly payments immediately preceding the Note Maturity Date; (c) there are no liens, defects, or encumbrances against the Property, or other adverse matters affecting title to the Property (except for taxes and special assessments not yet due and payable) arising after the Security Instrument was recorded; (d) the Modified Note Rate cannot be more than 5 percentage points above the Note Rate; and (e) I must make a written request to the Note Holder as provided in Section 5 below. MULTISTATE BALLOON RIDER (MODIFICATION AND EXTENSION) DotMeg ,sue. aoaeaira. Single Family -Frad ie Mac UNIFORM INSTRUMENT www.doemagiacom Form 3190 1/01 Page 1 of 3