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200501784 Date: February 24, 2005 1. BORROWER(S): JORGE G. ORTIZ, NORMA E. BERMUDEZ - SALINAS Property Address: 2707 W. DIVISION STREET GRAND ISLAND, NE 68803 2. DEFINED TERMS; RIDER A PART OF THE SECURITY INSTRUMENT. "Rider" means this Balloon Rider to Mortgage, Deed of Trust or Security Deed which is attached to, made a part of and amends and supplements the Mortgage, Deed of Trust or Security Deed ( "Security Instrument') which Borrower(s) gave to NATIONPOINT A DIVISION OF NAT. CITY BANK OF IN ( "the Lender") and which is dated the same date as this Rider. The Security Instrument secures the Note and Security Agreement ( "Note ") and covers the property described therein located at the address set forth above. The term "the Lender" includes Lender's successors and assigns. In the event there are any conflicts between this Rider and the Security Instrument or the Note, the provisions of the Rider will control. 3. BALLOON NOTE. The final payment due under the Note is larger than the previous monthly payments. The final payment includes a substantial payment of principal. The Note is commonly called a "balloon note." 4. BALLOON NOTE AGREEMENT. Borrower(s) understand and agree as follows: THIS LOAN IS PAYABLE IN FULL ON THE MATURITY DATE SET FORTH IN THE SECURITY INSTRUMENT. THE BORROWER MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN, UNPAID INTEREST AND OTHER SUMS THEN DUE. 5. SIGNATURES. BORROWER HAS READ AND AGREES TO ALL PROVISIONS OF THIS RIDER. JORGE G. ORTIZ x _ _:; Q_CA�,__ 4. Type or print name ignature NORMA E. BERMUDEZ-SALINAS x R Type or print name Non - Borrowing Signa ure Type or print name Type or print name Type or print name Signature x Signature x Signature Type or print name Signature ® 2004 National City Corporation MFCD6048 4000280990 FF0139LO