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Important Disclosures: The Federal Housing Administration (FHA) requires that Lender provide you with information to help you understand the modified mortgage and partial claim terms that are being offered to you. Lender must timely provide you with clear and understandable written information about the terms, costs, and risks of the modified mortgage and partial claim to enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section 1 are still true in all material respects and if I have satisfied all of the preconditions in Section 2, this Loan Modification Agreement ( "Agreement ") will, as set forth in Section 3, modify (1) the Mortgage on the Property and (2) the Note secured by the Mortgage. The Mortgage and Note together, as they may previously have been amended, are called the "Loan Documents." If there is more than one borrower or mortgagor executing this document, each is referred to as "I," "my" includes `bur," and the singular includes the plural and vice versa. Capitalized terms used in this Agreement and not otherwise defined have the meanings set forth in the Mortgage and /or Note, as applicable. 1. My Representations. I certify, represent to Lender, and agree: A. I am experiencing a financial hardship caused by a verifiable loss of income or increase in living expenses. As a result, (1) I am in default under the Loan Documents and (2) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments due under the Loan Documents. B. 1 live in, and plan to continue to live in, the Property as my principal residence. The Property has not been condemned and has no material adverse physical condition(s). The Property has no more than four units. C. I am not a borrower on any other FHA- insured mortgage. D. Except as approved in writing by the FHA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. E. Under penalty of perjury, I provided Lender with full and complete information that, when provided, accurately stated my income, expenses, and assets. To the extent requested by Lender, I provided documents that supported that information. However, I was not required to disclose child support or alimony, unless I chose to rely on such income to qualify for the FHA -Home Affordable Modification Program ( "Program ") or for another loss mitigation option. F. I have made the trial period plan payments required under the Program. G. 1 currently have sufficient income to support the financial obligations under the Loan Documents, as modified by this Agreement. Loan Modification Agreement (FHA -HAMP Modification with Partial Claim) One- to Four - Family Bank of America, N.A. (rev. 02/07/13) Page 2 Ilhl�1�1111111IIIIII�IIIIIIIillll�IIIIII�IIIlIILl�II�IIINII�I�VIIIInIIlIINIlIIIIIIIIII�IIgIIl1111IIIIIIII�III�INIIlII�INII 29476845 +USC +FHAHAMP+801268 201308753