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200506929 (E) Calculation of Payment Changes Loan ID # 2383037 If the interest rate changes on a Change Date, Note Holder will calculate the amount of monthly payment of principal and interest which would be necessary to repay the unpaid principal balance in full at the Maturity Date at the new interest rate through substantially equal payments. In making such calculation, Note Holder will use the unpaid principal balance which would be owed on the Change Date if there had been no default in payment on the Note, reduced by the amount of any Prepayments to Principal. The result of this calculation will be the amount of my new monthly payment of principal and interest. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice must be given at least 25 days before the new monthly payment amount is due, and must set forth (i) the date of the notice, (ii) the Change Date, (iii) the old interest rate, (iv) the new interest rate, (v) the new monthly payment amount, (vi) the Current Index and the date it was published, (vii) the method of calculating the change in monthly payment amount, and (viii) any other information which may be required by law from time to time, (G) Effective Date of Changes A new interest rate calculated in accordance with Sections 4(C) and 4(D) of the Note will become effective on the Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date which occurs at least 25 days after Note Holder has given me the notice of changes required by Section 4(F) of the Note. I shall have no obligation to pay any increase in the monthly payment amount calculated in accordance with Section 4(E) of the Note for any payment date occurring less than 25 days after Note Holder has given the required notice. If the monthly payment amount calculated in accordance with Section 4(E) of the Note decreased, but Note Holder failed to give timely notice of the decrease and I made any monthly payment amounts exceeding the payment amount which should have been stated in a timely notice, then I have the option to either (i) demand the return to me of any excess payment, with interest thereon at the Note rate (a rate equal to the interest rate which should have been stated in a timely notice), or (ii) request that any excess payment, with interest thereon at the Note rate, be applied as payment of Principal. Note Holder's obligation to return any excess payment with interest on demand is not assignable even if the Note is otherwise assigned before the demand for return is made. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. (zl, (Seal) d"'t -Q/JA (Seal) FRANK J. CERA JR - Borrower THERESA L. UCE - Borrower _(Seal) - Borrower _(Seal) - Borrower — (Seal) Borrower (Seal) - Borrower V.A. Adjustable Rate Rider - 1 -Year Treasury Index - Single Family - Amended For Veterans Affairs 10/03 (Rev. 12/04) Multistate I V Version (page 2 of 2 pages) AA1VB2 - 03032005 www.ProClose.com