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200305743 <br />calendar days to provide the Note Holder with acceptable proof of my required ownership, occupancy and <br />property lien status. Before the Note Maturity Date the Note Holder will advise me of the new interest rate <br />(the Modified Note Rate), new monthly payment amount and a date, time and place at which I must appear <br />to sign any documents required to complete the required Note Rate modification and Note Maturity Date <br />extension. I understand the Note Holder will charge me a $250 processing fee and the wars associated with <br />the exercise of the Conditional Modification and Extension Option, including but not limited to the cost of <br />updating the title insurance policy. <br />BY SIGNING BELOW O RO R accepts mid agrees to the terms and covenants contained in this <br />B n Rider. <br />(Seal) (Seal) <br />Barry D Kultz - Borrower D ra L Schultz - Burrower <br />Borrower <br />— (Seal) <br />- Borrower <br />_(Seal) <br />- Bor—er <br />- Borrower <br />- Mower <br />- twnower <br />[Sign Original Only] <br />03 -03- 000014 <br />� <br />877R (0008) Page 3 of 3 Form 3190 1101 <br />