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200305737 <br />with 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 monthly <br />payment amount and a date, time and place at which I must appear to sign any documents required to <br />complete the required refinancing. I understand the Note Holder will charge me a $250 processing fee and <br />the costs associated with the exercise of the Conditional Refinance Option, including but not limited to the <br />cost of updating the title insurance policy. <br />BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants contained in this <br />Balloon Rider. <br />� _ v��� (Seal) (Seal) <br />Danil'o A Garcia - Borrower Maria A Garcia -Be.., <br />Seat) <br />Borrower <br />- Borrower <br />(Seal) (Seal) <br />- B..aa,r - BOrmwer <br />- Borrower <br />Borrower <br />[Sign Original Only] <br />0495144567 0495144567 <br />8768 100081 Page 3 of 3 Form 3191 1/01 <br />