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200112223 BALLOON RIDER TONDMONAL MODIFICATION AND Et-TENSION OF LOAN TI~ILINLS) THIS BALLOON RIDER is made this 16 of �Y �av P m h P r - --Q� and is mearpoated intro and shall be dexrried m amend and 944903 cut the 'vfoctgge. Deed of Tnut, or Deed to Seci tc Debt (the "Seauity D h the n=M date 9i"m by the undersigned (chc ` BetrowQl to secazc the Boctv%cr's Note to Bank of (the "Lede'l of the same dais and covering the fit, dcsaibed in the Security Iush^,aaeat and Ioeascd at #55 Sonia Drive D Tbc i st rate stated on the Note is called the 'Note Rate" The daze of ttho Note is called the "Note Date." I understand the Londe may trazisfc' the Note, Security Iasaurnent and this Rider. The Lander or z'or1e who tal= the Note, the SecLwity bishuir= and this Rider by transfer and who is catided to receive paymetits under the Note is called the 'Note Holder:.. ADDMONAL COVENANTS. In addition to the ooveaatits and ag>xm= m the Seairity Insmune rit, Bomvwer and Lenten £rather cavertant and agree as follows (despix arrythiag to the cmumry contaried m the Serxity Instttmnnt or the Note)_ L CONDITIONAL MODIFICATION AND ERTENVON OF LOAN TERMS At the M=rrty date of the Note and Security Ioaattrmcat (the 't4cm Nfanutty Dax'l, I will be able to attend the Noce Maturity Date to D P c p rn h P r 1 � (the 'SUMded :Maturity Date' l and modify tl c Note Rate to the "Modified Note Rate" detemsmed = aocordaace with Section 3 below if all the cemditioas provided in Sections 2 and 5 below we met (the'r=ditiMial and Extension Option"). Ifthow conditions ate not 7At I understand that the Note Holder is under no obligation to ri ce the Note or to modify the Note, net the Note Rate or =md the Note Maturity Date, and that 1 will have no repay the Noss tivm my owe resources or find a knde willing to lend me the n=cy to repay the Note. 2. CONDITIONS TO OPTION If I want to exercise the Conditional Modifica0an and Ex=asina Optsoa,, oertain conditions axrst be mot as of the Nox ldamary Date These conditions are: (a) I =at shill be the ow= and occi4=ir of the property subject in the Setaaity iasht— (thc "Pr%xzW�; (b) I mist be current in my moatbly prmz= and c=x* have been more than 30 days lass = any of the 12 xheduledrrionthly payniemts hrtmediately mccofttlic Note NI=M Date (c) these are no liens, defects, or alCrnmbsanceq against the Property, or oilier adverse =ttom &ecctirsg tide to the Psapesty (accept for nixes and special assessaKS><s not yet due and payable) arising after the Security bzw== was receded; (d) the Modified Note Rex caaaot be more I= 5 page points above the Nate Rate, amd (e) I must make a writtim mqurst to the Note Holder as provided is Scenes 5 below. 3. CALCULATING THE MODUM NOTE RATE The Modified Now Rate will be a fixed rate of iamrtest equal to the Fsdc ml Hcmc Loan Mortgage Corporation's required W yield for 30 -year fixW rate morVdam subject to a 60-day mandatory Wrvav oniintnimient, plus one-half of one per scac (0.50/b), rotated to the neauest on"Witti of am pcisent (0.125%) ( the "Modifred Note Rate j. The required net yield shall be the applicable W yield in effect on the date sad time of day ld= I notify the Nom Holder of my election w ot== the Conditional Modification and Extension Option. tf this required net yield is not available, the Note Holder -11 deorihe the ModifiodNotc Rate byusmg cwmparabie ;nfn rtion. ,. CALCULATING THE NEW PAY.'1gM AMOUNT Provided the Nkidifted Now Ram as calculated is Section 3 above is not grater than 5 pro poimu above the Note Rate and all other conditions required in Section 2 above arc satisfied, die Nate Holder vnII deaemm the amohrnt of the mocthly payrncmt that will be sufficierit to repay m 1W1(a) the =paid principal, plus (b) accrued but unpaid imtQ 4 plus (c) all other su ale I -a owe =der the Now and Security Item== oa the Nctc . paw thrn am �� famuity Date (asstunine mY ��Y required under Section 2 above), ovcr the ttm arrirg extmded term at the Modified Note Rate to equal monthly pwjmw >s. The result of this gkulatioa will be the new amount of my principal and inter= payment emery month until the Note is fuily paid ]rUL I7SrATE SA[ZOON R1DtR tMaiGesewt ae� t�tra�..) .Sin`ie Fo/air- P.�ad4 4U. rFofUN INSlRCA ,4T lots Safe Vol (pie aft PQLG)