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200213020 <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 costs 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, BORROWER accepts and agrees to the terms and covenants contained in this <br />Balloon Rider. <br />(Seal) <br />ALLEN E GINGRICH 0 - Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />��— X'�2 (Seal) <br />FRANK SCHNEIDER - Borrower <br />877R (0008) Page 3 of 3 <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />[Sign Original Only] <br />Form 3190 1/01 <br />