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200507259 <br />National Citye <br />BALLOON RIDER TO MORTGAGE, DEED OF TRUST OR SECURITY DEED <br />FIRST FRANKLIN <br />Date: July 27, 2005 <br />1. BORROWER(S): TANYA S. CHANTHAPATHETH, KEO CHANTHAPATHETH <br />Property Address: 408 ORLEANS DRIVE <br />GRAND ISLAND, NE 68803 <br />2. DEFINED TERMS; RIDER A PART OF THE SECURITY INSTRUMENT. "Rider" means this Balloon Rider to Mortgage, Deed of <br />Trust or Security Deed which is attached to, made a part of and amends and supplements the Mortgage, Deed of Trust or Security <br />Deed ( "Security Instrument") which Borrower(s) gave to FIRST FRANKLIN A DIVISION OF NAT. CITY BANK OF IN <br />( "the Lender") and which is dated the same date as this Rider. The Security Instrument secures the <br />Note and Security Agreement ( "Note ") and covers the property described therein located at the address set forth above. The term <br />"the Lender" includes Lender's successors and assigns. In the event there are any conflicts between this Rider and the Security <br />Instrument or the Note, the provisions of the Rider will control. <br />3. BALLOON NOTE. The final payment due under the Note is larger than the previous monthly payments. The final payment <br />includes a substantial payment of principal. The Note is commonly called a "balloon note." <br />4. BALLOON NOTE AGREEMENT. Borrower(s) understand and agree as follows: <br />THIS LOAN IS PAYABLE IN FULL ON THE MATURITY DATE SET FORTH IN THE SECURITY INSTRUMENT. THE <br />BORROWER MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN, UNPAID INTEREST AND OTHER SUMS <br />THEN DUE. <br />S. SIGNATURES. BORROWER HAS READ AND AGREES TO ALL PROVISIONS OF THIS RIDER. <br />2004 National City Corporation <br />MFCD6049 4000432533 <br />FF0139L1 <br />