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200501787 <br />Date: February 25, 2005 <br />1. BORROWER(S): JAMES E. PEDERSON, KIMBERLY J. PEDERSON <br />Property Address: 809 E PHOENIX AVENUE <br />GRAND ISLAND, NE 68801 <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 NATIONPOINT 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 />5. SIGNATURES. BORROWER HAS READ AND AGREES l <br />JAMES E. PEDERSON <br />Type or print name <br />KIMBERLY J. PEDERSON <br />Type or print name <br />Type or print name <br />Signature <br />X <br />Type or print name <br />Signature <br />X <br />Type or print name <br />Signature <br />X <br />Type or print name <br />Signature <br />2004 National City Corporation <br />MFCD6048 4000247342 <br />FF0139LO <br />