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200301776 <br />LOAN #1 2234308 <br />owe on the Note Maturity Date.. The Note Holder also will advise me that I may exercise the <br />Conditional Refinance Option if the conditions in Section 2 above are met. The Note Holder will <br />provide my payment record information, together with the name, title and address of the Person <br />representing the Note holder that I must notify in order to exercise the Conditional Refinance <br />Option. If I meet the conditions of Section 2 above, I may exercise the Conditional Refinance <br />Option by notifying the Note Holder no earlier than 60 calendar days and no later than 45 calendar <br />days prior to the Note Maturity Date. The Note Holder will calculate the fixed New Loan Rate <br />based upon the Federal Home Loan Mortgage Corporation's applicable published required net <br />yield in effect on the date and time of day notification is received by the Note Holder and as <br />calculated in Section 3 above. I will then have 30 calendar days to provide the Note Holder with <br />acceptable proof of my required ownership, occupancy and property lien status. Before the Note <br />Maturity Date the Note holder will advise me of the new interest rate (the New Loan Rate), new <br />monthly payment amount and a date, time and place at which I must appearto sign any documents <br />required to complete the required refinancing I understand the Note Holder will charge me a $250 <br />processing fee and the costs associated with the exercise of the Conditional Refinance Option, <br />including but not limited to the cost of updating the title insurance policy. <br />BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants contained <br />in this Balloon Rider. <br />'D�,)a I"-S 1 a (Seal) <br />Robert I Dodendorf <br />�(V") A Al, (Seal) <br />Ch9wna L. D dendorf <br />GOMNDTAiY -S1O d NeMift <br />ULLNIA PETZOLDT <br />Y/Om EVA r.2R. WS _ <br />[Sign Original Onlyl <br />MULTISTATE. BALLOON RIMER (Rofinunre )-Si,k Fanul,- Freddie Mac UNIFORM INSTRUMENT <br />F-3191 I /01 Page 2 OP 2 F3191RDU <br />