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200201525 <br />will advise me that I may exercise the Conditional Refinance Option if the conditions in Section 2 above are met. The Note <br />Holder will provide my payment record information, together with the name, title and address of the person representing the Note <br />Holder that I must notify in order to exercise the Conditional Refinance Option. If I meet the conditions of Section 2 above, I <br />may exercise the Conditional Refinance Option by notifying the Note Holder no earlier than 60 calendar days and no later than <br />45 calendar days prior to the Note Maturity Date. The Note Holder will calculate the fixed New Loan Rate based upon the <br />Federal Home Loan Mortgage Corporation's applicable published required net yield in effect on the date and time of day <br />notification is received by the Note Holder and as calculated in Section 3 above. I will then have 30 calendar days to provide the <br />Note Holder with acceptable proof of my required ownership, occupancy and property lien status. Before the Note Maturity Date <br />the Note Holder will 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 understand the Note Holder <br />will charge me a $250 processing fee and the costs associated with the exercise of the Conditional Refinance Option, including <br />but not limited to the cost of updating the title insurance policy. <br />BY SIGNING BELCQW, Borrower accepts and agrees to the terms and covenants contained in this Balloon Rider. <br />KATHLEEN A. BLIESE <br />_(Seal) <br />Borrower <br />Seal) <br />ower <br />_(Seal) <br />Borrower <br />Borrower <br />_(Seal) <br />Borrower <br />Borrower <br />MULTISTATE BALLOON RIDER - Single Family- Freddie Mac Uniform Instrument Form 3191 1 /0l <br />Page 2 of 2 <br />0041. doc - 01 /09/02 9:07 AM <br />p - 01/31/02 9:54 AM <br />