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CASE #: NE3212335781729 DOC ID #: 0004903231501004 <br />principal. Lender's obligation to return any excess payment with interest on demand is not assignable even if the <br />Note is otherwise assigned before the demand for return is made. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br />ELBERT E. BURNS <br />JOSEPH A. BURNS <br />(M-591U(9705).03 CHL (12/01) Page 4 of 4 <br />ID <br />(Seal) <br />Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />