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200300188 Loan Number: 00000510240939 BALLOON RIDER (Full Repayment Required at Maturity) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER THIS BALLOON RIDER is made this 30th day of December, 2002 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trost or Security Deed to Secure Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the Borrower's Now to U.S. BANK NATIONAL ASSOCIATION ND (the "Lender ") or the sane date and covering the property described in the Security Instrument mid located at 816 W 4TH ST 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 the Lender may transfer the Note, Security Instrument and this Rider. The Lender or anyone who lakes the Note, the Security Instrument and this Rider by transfer mid who is entitled to receive payments tinder the Note is called the "Note Holder ". The Note is a Balloon Note which means that the amount of my monthly payment is insufficient to repay the Note in full by Maturity. Therefore, the final payment will be significantly larger than the other payments under (lie Note. I understand that the Lender is under no obligation to refinance the Note or to modify the Note or reset the Note Rate or to extend the Note Maturity Date or the Maturity Date of this Security Instrument, mid that 1 will have to repay the Note from my own resources or find a lender willing to lend me the money to repay the Note. I further understand that should I not repay the Note on or before the Maturity Date, I will be in default, and the Lender will have the right to exercise all of its tights against me because of my default, including the right to foreclosure of the Security Instrument, or other remedies permitted by larv. BY SIGNING BELOW, Borrower accepts and agrees to the tears and covenants contained in this Balloon Rider. T L 'L��/ 1h1dOAV —' (Seal) (Sea] THERESA J S NCO - no>rowu< ) - norrowcr - Nnnower MULTISTATE&1LLOON RIDER- Spode FaWR Form USBBALRD- Rev.IV200