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200409239 <br />otherwise. The Bank will give the Borrower The Bank also can make changes that the Bank <br />notice of any change that is required by law. and Borrower agree to in writing. <br />NOTICE TO CONSUMER <br />(For purposes of this notice, "Consumer" and "I" refer to the Mortgagor) <br />THIS IS A CONSUMER CREDIT TRANSACTION. <br />I understand that: <br />• I should not sign this agreement before I read the entire document, even if otherwise advised. <br />• I should not sign this if it contains any blank spaces. <br />• I am entitled to an exact copy of this and any other agreement I sign. <br />• I have the right to prepay the unpaid balance due under this agreement at any time without penalty; and I <br />may be entitled to receive a refund of unearned charges in accordance with the law. <br />IN WITNESS WHEREOF, the parties each executed this Agreement and acknowledge the receipt of a copy hereof as <br />of the day and year above. <br />Name of Bank <br />By: <br />ITS <br />Mortgagor/Trustor <br />Mortgagor/Trustor <br />Mortgagor/Trustor <br />Borrower <br />Borrower <br />Borrower <br />Borrower <br />EQ357C (2/2003) <br />