DocMagic's Compliance Department has prepared balloon notes and riders that comply with the Consumer Credit Code applicable in Colorado, Indiana and Utah. These balloon notes and riders will default whenever a DocMagic user selects a junior-lien balloon loan program where the secured property is located in any one of these states and the property is either owner-occupied or a second home. Note than an investor-specific loan program may have that investor's own balloon note. If the investor has not provided its own balloon rider, then DocMagic's balloon rider will return in the package.

A customer that is not subject to the Consumer Credit Code in Colorado, Indiana or Utah may request alternate balloon notes and riders that omit the required language from the Consumer Credit Code by contacting Customer Service, at (800) 649-1362.

Following are the file names of the notes and riders that comply with the Consumer Credit Code in Colorado, Indiana and Utah:

STATE	NOTE	RIDER
Colorado	COCCC3015.NTE	COB.RDR
Indiana	INC3015.NTE	INB.RDR
Utah	UT.NTE	UTB.RDR

If you have any questions regarding these balloon notes and riders, please contact DocMagic's Compliance Department.