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200405260 <br />CASE #: NE3212354360729 DOC ID #: 0006292226405004 <br />notice, then Borrower has the option to either (i) demand the return to Borrower of any excess payment, with <br />interest thereon at the Note rate (a rate equal to the interest rate which should have been stated in a timely <br />notice), or (ii) request that any excess payment, with interest thereon at the Note rate, be applied as payment of <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 />RICARDO LARA <br />(Seal) <br />- Borrower <br />4Cr�C` C 1t--r" (Seal) <br />MARIA E. LARA - Borrower <br />_ (Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />Q -591 U (0404) CHL (03/04) Page 4 of 4 <br />