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<br />200806294 <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 /> <br />(Seal) <br /> <br />'to <br /> <br />(Seal) <br /> <br />(Seal) <br /> <br />Borrower <br /> <br />(Seal) <br /> <br />Page 3 of 3 <br /> <br />NE.2040.1206 <br />