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0041549700 <br />200302366 <br />required ownership, occupancy and property lien status. Before the Note Maturity Date the Note Holder will <br />advise me of the new interest rate (the New Loan Rate), new monthly payment amount and a date, time and <br />place at which I must appear to sign any documents required to complete the required refinancing. I <br />understand the Note IIolder will charge me a $250 processing fee and the costs associated with the exercise of <br />the Conditional Refinance Option, 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 covenams contained in this <br />Balloon Rider. <br />—(Seal) <br />W. NATHAN WIELAND - BOrtowcr <br />_(Seal) <br />Borrower <br />- Borrower <br />Seat) <br />tlorrower <br />l.t (danfSLfSM) <br />,ggNNIgg12 WIg gLpNI) - Enrrower <br />® -876R (0009) P,g 3 W 3 <br />Burrower <br />(Seal) <br />Bnrmwer <br />(Seal) <br />- Borrower <br />[Sign Original Only] <br />Form 3191 1101 <br />