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C. The new principal balance of my Note will be $79,333.19 (the "New Principal Balance "). D. I promise to pay the New Principal Balance, plus interest, to the order of Lender. E. The annual interest rate on the New Principal Balance will be 3.875 %, beginning October 1, 2013, both before and after any new default. This fixed interest rate will remain in effect until principal and interest and all of the obligations due under the Modified Loan Documents are paid in full. F. On October 1, 2013 and on the first day of each month thereafter until all of the obligations due under the Modified Loan Documents are paid in full, Borrower must make monthly payments of $684.31 (each, a "Monthly Payment "). Each Monthly Payment includes principal and interest of $373.05, plus the current required escrow payment of $311.26. My required escrow payments will likely adjust periodically in accordance with applicable law. If an escrow adjustment occurs, my total monthly payment would change accordingly. G. I will be in default if I do not comply with the terms of the Modified Loan Documents. 4. Additional Agreements. I understand and agree: 201308754 A. I accept the risks of entering into this Agreement. These risks include (but are not limited to): (1) The FHA's subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The FHA's subordinate lien may also make it more difficult to get additional subordinate lien financing. (2) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in an index, my new fixed interest rate might sometimes be higher than 1 would have paid before this modification. B. I authorize Lender to attach an Exhibit A to this loan modification, which will include a Legal Description, recording information of the original security instrument, and any other relevant information required by a County Clerk (or other recordation office) to allow for recording if and when Lender seeks recordation. Loan Modification Agreement (FHA -HAMP Modification with Partial Claim) One- to Four - Family Bank of America, N A. (rev. 02/07/13) Page 4 IIIII IIIII 0111 N11011111 01 II11111III 10111111 7794I II 1011 INII1011 Intl IIIII IIIII 111111 I0II IIIII 01111111101101 I1 2093+USC +FHAHAMP +802920