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LOAN #: 012132014 <br />I xer se the C onditional Refinancing Option. If 1 meet the conditions <br />ve, 1 r may exerci ditional Ref Option by notifying the <br />Holder no later than 45 calendar days prior to the Maturity Date. The Note Holder <br />c alculate the fixed New Note Rate based upon Fannie Mae's applicable published <br />aired net yield in effect on the date and time of day notification is received by the <br />No Holder and as calculated in Section 3 above. I will then have 30 calendar days. to <br />provide the Note Hader with acceptable proof of my, required ownership. Before the <br />Maturity Date, the Note Holder wilt nt advise me of the new interest rate (th e New Note <br />Rate), new monthly payment amou, and ai iate, time s and place atwtiich t appe <br />to sign any documents to complete the required refinancing. I understand ft; <br />s <br />Note Holder will charge me a processing fee and the costs associated <br />with updating the title insurance policy, if aray. <br />B SIGING' BELOW Borrower accepts and agrees to the terms and covenants <br />contained in this Balloon Rider. <br />JEREMY M "COWE <br />MULTISTATE BALLOON RIDER - Single Family- Fannie Mae Uniform Instrument <br />Ellie Mac, Inc. Page 2 of 2 <br />201705102 <br />(Seal) <br />DATE <br />[Sign Original Only] <br />Form 3180 1/01 (rev. 9/01) <br />F3180BLR 0412 <br />F3180BLL(CLS) <br />07/27/2017 10:20 AM PST <br />