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200112223 S. CaRCLSWG THE CONDMONAL MODIFICATIONA. \D ERIE iSION OrnON The Note Holds will notify the at Icast 60 calendar days m advzcc of the Nooe Mstuti;ty Date and advise the afdne Pmw;n, acaned btu Unpaid interest, and all other same I am oTecmd 00 owe an the Notc Maauity Date. The Note Holder also will advise tvc that I may Gcatzise the Conditional Nfadifhc m and Exmrtwn Option if dte conditions in Semoa 2 above are met The Note Holder wtU provide my pay=er word infona ,m. togedw _,rth der na^+5 tills and addrm of the person rcpresenting the Notc Helder that I must m order to ax••• se wry ithe Conditional Modific$tioa and Fxaensm Option. If I tne." conditions of Scctiott 2 above, I may omrmse 9re Conditional Modifi cation and Fxtcasien Option by noa fymg the Note Holds no earlier than 60 calendar days and no htw than 45 calendar days lw to the Note Maturity Date. The Note Holder wO calailate the fixed Modified tom Race based upon the Fcdcal gcrmc I.van Moagage Cogxxaaoa's applicablc published mquitod net yield is efft ei on the dace sad Timm of day notif c=ian is received by the Noec Holder and as calculated m Sestina 3 above. I will then have 30 calendar days to provide the Noss Holder with acceptabic proof of my Lcgt>ited owrh*p, orgy and ley lien cams Be—'= the Note Maauity Dace the Note Hold win advise me of the new intezes tare (thc NIOdIfied Note Raw), nc- tn=hly paynx= amoru>< and a date, time and place at which 1 must appear to sW2 arty doaurhnhts r oT=Cd to complete the mTxred Note R= modification and Now Wmrity Date crtentam l tmderst M the Now Holder will 6mrgo me a 5=0 p:ocessmg icc and the costs amocuted with the exazisc of the Coaditionnal Modification and Exbmswn Ootien, ineardmg but not ;itttitzd to the cost of updatcng the title instn-mcx policy- BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants Coataiz=d m this Balloon Rid= h (Scal) Kenneth W. Shun z - Borrowtx Nancy L. Shultz -Bo UV-= (Seal) - Boavwer Xii" 01gmal0n4] MIX=TA'M aALLoor4 VMIM (Madat"ma" *ad Ltarl.► -Iinrk IbmWy- rreCai. Mae L^AVORM L'r77HC1QYT VWM JI" 1AI /jwgF 1 all P#C")