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4. Additional Agreements. I agree to the following: A. That all persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (i) a borrower or co-borrower is deceased; (ii) the borrower and co- borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property need not sign this Agreement (although the non- signing spouse may continue to be held liable for the obligation under the Loan Documents); or (iii) the Lender /Mortgagee has waived this requirement in writing. FHA/JPMC MODIFIED MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ver. 08_15_2013_12_36_26 WF466/Form 3157 3/09 (rev. 2- 23-10) (page 4 of 10 pages) Iffi TJ� Years Interest Interest Monthly Estimated Total Payment Number of Rate Rate Principal Monthly Monthly Begins on Monthly Change and Escrow Payment* Payments Date Interest Payment Payment Amount* Amount 1 - 30 3.500% 09/01/2013 $719.27 $476.32 $1,195.59 10/01/2013 360 May adjust May adjust periodically periodically *The escrow payments may be adjusted periodically in accordance with applicable law and therefore my total monthly payment may change accordingly. The above terms in this Section 3.C. shall supersede any provisions to the contrary in the Loan Documents, including but not limited to, provisions for an adjustable or step interest rate. I understand that, if I have a pay option adjustable rate mortgage loan, upon modification, the minimum monthly payment option, the interest -only or any other payment options will no longer be offered and that the monthly payments described in the above payment schedule for my modified loan will be the minimum payment that will be due each month for the remaining term of the loan. My modified loan will not have a negative amortization feature that would allow me to pay less than the interest due resulting in any unpaid interest to be added to the outstanding principal balance. D. I will be in default if I do not comply with the terms of the Loan Documents, as modified by this Agreement. E. If a default rate of interest is permitted under the Loan Documents, then in the event of default under the Loan Documents, as amended, the interest that will be due will be the rate set forth in Section 3.C. Vinitan 4, 'RH 201308193 Loan Number 4502825348