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<br />"' ' ~. ~ <br /> <br />200800904 <br /> <br />(F) Notice of Changes <br />At least 25 days, but no more than 120 days, before the effective date of any payment change, <br />the Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of <br />my scheduled payment. The notice will include information required by law to be given to me and also <br />the telephone number of a person who will answer any question I may have regarding the notice. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />this Adjustable Rate Rider. <br /> <br />Borrower <br /> <br />(Av c~-~_ <br /> <br />ROY C HOPKINS ~ <br /> <br />(Seal) <br /> <br />Borrower <br /> <br />-~ <br /> <br />DEB HOPKINS ~ \::> i:l-. <br />Borrower <br /> <br /> <br />- <br /> <br />(Seal) <br /> <br />(Seal) <br /> <br />Borrower <br /> <br />(Seal) <br /> <br />1111111111111111111 III HOPKINS <br />13972003 <br />F NE <br />D:;~TO~M~:~;~N LENDERS AOVANTAGE <br />I~I I!' ~IIII 1111 !"1111 I~I I~ I I 1111111 II 11111 III <br /> <br />When rccorded mail to: <br />First American Title Insurance <br />Lcnders Advantage <br />1100 Supcrior Avcnue, Suite 200 <br />Cleveland, Ohio 44114 <br />ATTN:RELS <br /> <br />Page 3 of 3 <br /> <br />NE-2040-1206 <br />