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2 85PS`8?9b0 <br />Balloon Rider <br />THIS BALLOON RIDER is made this 27th day of April , 2001 and is <br />incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of <br />Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned ( "Borrower ") to secure Borrower's Note (the "Note ") to <br />FIRST FRANKLIN FINANCIAL CORPORATION (the "Lender ") of <br />the same date and covering the property described in the Security Instrument and located at <br />2115 PIONEER BOULEVARD GRAND ISLAND Nebraska 68801 <br />[Property Address] <br />The interest rate stated on the Note is called the "Note Rate." The date of the Note <br />is called the "Note Date." Borrower understands the Lender may transfer the Note, Security <br />Instrument and this Rider. The Lender or anyone who takes the Note, the Security <br />Instrument and this Rider by transfer and who is entitled to receive payments under the Note <br />is called the "Note Holder." <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows (despite <br />anything to the contrary contained in the Security Instrument or the Note): <br />THIS LOAN IS PAYABLE IN FULL AT MATURITY. BORROWER MUST <br />REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID <br />INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO <br />REFINANCE THE LOAN AT THAT TIME. BORROWER WILL, THEREFORE, <br />BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT <br />BORROWER MAY OWN, OR BORROWER WILL HAVE TO FIND A LENDER, <br />WHICH MAY BE THE LENDER BORROWER HAS THIS LOAN WITH, <br />WILLING TO LEND BORROWER THE MONEY. IF BORROWER <br />REFINANCES THIS LOAN AT MATURITY, BORROWER MAY HAVE TO PAY <br />SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A <br />NEW LOAN EVEN IF BORROWER OBTAINS REFINANCING FROM THE <br />SAME LENDER. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in this Balloon Rider. <br />4'Ej Y . SPEA E q-27-Of <br />�7 Date <br />C I /`O / <br />DENELDA C. SPEASE Date Date <br />Balloon Rider Multistate Document # L156 IMS 441(2/12/96) <br />Second Balloon Program HP116 <br />NOTE! To Be an Attachment to Deed of Trust recorded April 30, 2001 in <br />the Register of Deeds Office as Document No. 200103798. <br />LEGAL: Lot 7, Block "A", Park <br />Island, H611 County, Nebraska <br />View Subdivision, to the city of Grand <br />