Sample a notice letter and separate notice of acceleration using the following facts and add hypothetical information as necessary:

1. Name of Debtors - Robert and Samantha Morgan
2. Address of Debtors - 405 13th Street, Mytown, US 00000
3. Date of Mortgage Note - April 8, 2001
4. Name of Issuing Bank - National Bank, Plaza Two, Mytown, US 00000
5. Original Loan Amount - $85,000
6. Number of Payments Delinquent - 7
7. Amount of Monthly Payment - $874.32
8. Default Interest Rate - 23.7%
9. Date Default Interest Rate is Effective - April 8, 2009
10. Last Day for Payment Before Total Amount is Due - August 8, 2009