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<br />200511896 <br /> <br />National City@ <br /> <br />BALLOON RIDER TO MORTGAGE, DEED OF TRUST OR SECURITY DEED <br />FIRST FRANKLIN <br /> <br />Date: November 30, 2005 <br /> <br />1. BORROWER(S):JEREMY W. RUTH, DANESTA J. KITTELSON <br /> <br />Property Address: 705 W 15TH ST <br />GRAND ISLAND, NE 68801 <br /> <br />2. DEFINED TERMS; RIDER A PART OF THE SECURITY INSTRUMENT. "Rider" means this Balloon Rider to <br />Mortgage, Deed of Trust or Security Deed which is attached to, made a part of and amends and supplements the <br />Mortgage. Deed of Trust or Security Deed ("Security Instrument") which Borrower(s) gave to <br />FIRST FRANKLIN A DIVISION OF NAT. CITY BANK OF IN ("the Lender") and which is dated <br />the same date as this Rider. The Security Instrument secures the Note and Security Agreement ("Note") and covers the <br />property described therein located at the address set forth above. The term "the Lender" includes Lender's successors and <br />assigns. In the event there are any conflicts between this Rider and the Security Instrument or the Note, the provisions of <br />the Rider will control. <br /> <br />3. BALLOON NOTE. The final payment due under the Note is larger than the previous monthly payments. The final <br />payment includes a substantial payment of principal. The Note is commonly called a "balloon note." <br /> <br />4. BALLOON NOTE AGREEMENT. BOrrower(s) understand and agree as follows: <br /> <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 <br />SUMS THEN DUE. <br /> <br />5. SIGNATURES. BORROWER HAS READ AND AGREES TO ALL PROVISIONS OF THIS RIDER. <br /> <br />MFCD6049 <br />FF0139L1 <br /> <br />4000583240 <br /> <br />};;v <br />~'\L <br /> <br />~ 2004 Na.onal City Corporation <br />