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200001181 LOAN #: 62490289 the Note Holder that I must notify in order to exercise the Conditional Refinancing Option. If I meet the conditions of Section 2 above, I may exercise the Conditional Refinancing Option by notifying the Note Holder no earlier than 60 calendar days and no later than 45 calendar days prior to the Maturity Date. The Note I�older will calculate the fixed New Note Rate based upon the Federal National Mortgage Association's applicable published required net yield in effect on the date and time of day notification is received by the Note Holder and as calculated in Section 3 above. I will then have 30 calendar days to provide the Note Holder with acceptable proof of my required ownership,occupancy and property lien status.Before the Maturity Date the Note Holder will advise me of the new interest rate (the New Note Rate), new monthly payment amount and a date, time and place at which I must appear to sign any documents required to complete the required refinancing. I understand the Note Holder will charge me a S2so.o0 processing fee and the costs associated with updating the title insurance policy, if any. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Balloon Rider. , �''��c 0 G� � �l'1a�a�s� Z - l 1—c�a . ARCADIO C CHANAS Date ,��1 e r re �'oc � ^ r �� o C� Raymon errera Date MULTISTATE BALLOON RIDER-Single Family-Fannie Mae Uniform Instrument Form 318012/89 Page 2 of 2 P3200RDU