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Borrower: C A T A L I N A B CRUZ and JOSE C CRUZ <br />Property: 223 EAST 14TH STREET ,GRAND ISLAND, NE 68801 <br />Loan Number:00342014 <br />20021`598 <br />MIN 1000466- 0000342014 -9 <br />Balloon Payment Rider to Note and Security Instrument <br />THIS BALLOON PAYMENT RIDER ( "Rider ") is made this N o v e m b e r 8, 2 0 0 2 , and amends a Note in the <br />amount of $ 6 1 , 2 0 0 . 0 0 (the "Note ") made by the person(s) who sign below ( "Borrower ") to <br />Popular Financial Services, L L C <br />( "Lender ") and the Mortgage, <br />Deed of Trust or Security Deed (the "Security Instrument ") dated the same date and given by Borrower to secure <br />repayment of the Note. <br />In addition to the agreements and provisions made in the Note and the Security Instrument, both Borrower and Lender <br />further agree as follows: <br />IF NOT PAID EARLIER, THIS LOAN IS PAYABLE IN FULL ON 1 1/ 14 / 17 , ( "THE MATURITY <br />DATE "). BORROWER MUST REPAY THE ENTIRE UNPAID PRINCIPAL BALANCE OF THE LOAN AND <br />INTEREST THEN DUE, THIS IS CALLED A "BALLOON PAYMENT ". THE LENDER IS UNDER NO <br />OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. <br />At least ninety (90) but not more than one hundred twenty (120) days prior to the Maturity Date, Lender must send <br />Borrower a notice which states the Maturity Date and the amount of the "balloon payment" which will be due on the <br />Maturity Date (assuming all scheduled payments due between the date of the notice and the Maturity Date are made on <br />time). <br />Witness <br />Witness <br />Witness <br />Witness <br />Witness <br />Witness <br />(BALLOON PAYMENT RIDER) <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />