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201309447 If this Agreement is to be recorded, the real property described is set forth as follows: SEE EXHIBIT A PARCEL # 400207303 AND 400207257 This Agreement also supersedes and replaces any prior loan modification agreement(s) between Lender and Borrower as of the effective date of this Agreement. Terms not defined in this Agreement are as defined in the Note and/or Security Agreement. As of the Modification Effective Date, the amount of the principal balance payable under the Note and the Security Instrument (the "Unpaid Principal Balance") will be $ 53158.15 , consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized, if permitted by law. In consideration of the mutual promises and agreements contained herein, Borrower and Lender (together the "Parties") agree that beginning on the Modification Effective Date, and after both Parties have executed this Agreement, (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. The interest rate on the Unpaid Principal Balance will begin to accrue as of the date of this Agreement at 5.63 %. $ 0.00 of the Unpaid Principal Balance shall be deferred (the "Deferred Principal Balance") and Borrower will not pay interest or make monthly payments on this amount, The Unpaid Principal Balance less the Deferred Principal Balance shall be referred to as the "Interest Bearing Principal Balance" and this amount is $ 53158.15 . The unpaid and deferred interest that has not been capitalized (the "Deferred Interest") will be $ 0.00 Assuming no additional sums are advanced under the Note and assuming that all monthly payments are made in full and on time, my payment schedule, including my monthly payments and interest rate, based on the current principal balance,will be: Months Interest Interest Monthly Estimated Total Payment Rate Rate Payment Monthly Monthly Begins On Change Escrow Payment* Date Payment* (if escrowed) 001 — 036 5.63 08/01/13 278.89 221.35 500.24 09/01/16 May adjust May adjust periodically periodically May adjust May adjust periodically periodically 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. 2. Remaining Term: If Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement on the maturity date ("Maturity Date"), those amounts will be immediately due and payable on the Maturity Date by the Borrower. The new Maturity Date will be 08/01/53, 3. Place of Payment. Borrower must continue to make the monthly payments in the manner and at such place as Lender may require. UNMA42 (04-17-11) C.E. I.B. Modification Agreement Page 2 of 6