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r <br />LENDER <br />By: A <br />Justin Ellis <br />ssistant Vice President <br />M &T B <br />P LC X13 <br />Date of Lender's Signature <br />State of New York <br />County of Erie <br />On the day of <br />me, the undersigned, personally appear <br />JUAN C ZAMUDIO; <br />otary Public <br />P4I&1L_ <br />Witness 2 <br />[Space Below This Line For Acknowledgments] <br />20130'7885 <br />JOSEPHINE P. ANDREW of New York <br />NotaQ in Erie County <br />MY Commission ExPites 0712910e, <br />net Jcick nn <br />.., AY al 4d <br />Ann Marie C^Ik <br />in the year before <br />*dri)* eelL <br />known to me or proved to me on the basisk6f satisfactory evidence to be the individual(s) whose <br />personally <br />name(s) is(are)subscribed to the within instrument and acknowledged to me that he /she /they <br />executed the same in his/her /their capacity(ies), and that by his/her /their signature(s)on the <br />instrument, the individual(s),or the person upon behalf of which the individual(s) acted, <br />executed the instrument. <br />LOAN MODIFICATION AGREEMENT --- Single Family— Fannie Mae Uniform Instrument Form 3162 06106 (rev. 01/09) <br />