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LOAN #: 012131087 <br />notify in order to exercise the Conditional Refinancing Option. If I meet the conditions <br />of Section 2 above, I may exercise the Conditional Re financing Option by notifying the <br />Note Holder no later than 45 calendar days prior to the Maturity Date. The Note Holder <br />will calculate the fixed New Note Rate based upon Fannie Mae's applicable published <br />required net yield in effect on the date and time of day notification is received by the <br />Note Holder and as calculated in Section 3 above. I will then have 30 calendar days to <br />provide the Note Holder with acceptable proof of my required ownership. Before the <br />Maturity Date, the Note Holder will advise me of the new interest rate (the New Note <br />Rate), new monthly payment amount, and a date, time, and place at which l must appear <br />to sign any documents required to complete the required refinancing. I understand the <br />Note Holder will charge me a processing fee and the costs associated <br />with updating the title insurance policy, if any. <br />BY SIGNING BELOW Borrower accepts and agrees to the terms and covenants <br />contained in this Balloon Rider. <br />CHAEL A RITTER <br />H..1 R , � K' t l\ t J (Seal) <br />MICICHELLE LLE K RI TTE DATE <br />MULTISTATE BALLOON RIDER - Single Family - Fannle Mae Uniform Instrument <br />Ellie Mae, Inc. Page 2 of 2 <br />201701508 <br />y: e -// (Seal) <br />DATE <br />[Sign Original Only] <br />Form 3180 1101 (rev. 9/01) <br />F3180BLR 0412 <br />F3180BLL (OLS) <br />03/07/2017 12:14 PM PST <br />