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200310073 Loan Number 76352 BALLOON RIDER (CONDITIONAL RIGHT TO REFINANCE) THIS BALLOON RIDER is made this 18th day of JULY, 2003 , 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 HERITAGE BANK, CORPORATION ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 3551 S. MCGUIRE RD, WOOD RIVER, NEBRASKA 68883 [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 anew loan ( "New Loan") with anew Maturity Date of AUGUST 1, 2033 , 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 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 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 Holder as 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 one -half of one percentage point (0.5 %), rounded to the nearest one - eighth of one percentage point (0.125 %) (the "New Note Rate "). 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 Refinancing Option. If this required net yield is not available, the Note Holder will determine the New Note Rate by using comparable information. MULTISTATE BALLOON RIDER -- Single Family Fannie Mae Uniform Instrument Form 3180 1/01 (rev. 9/01) Page 1 of 2 U01801.rid DocMagiCd3lAcoruw 800 -649 -1362 www.docmagic.com pimp e�f