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RECORDED DECEMBER 16, 2009 INSTRUMENT NO. 200909893 Tax Parcel No: 400000792 If my representations in Section 1 continue to be true in all material respects, then this FHA Home Affordable Modification Agreement ( "Agreement ") will, as set forth in Section 3, amend and supplement (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 referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined have the meaning given to them in Loan Documents. I understand that my Mortgage and Note are governed under the applicable laws and regulations of the Federal Housing Administration ( "FHA "), and this Modification Agreement is further subject to my compliance with the requirements of FHA under this modification program (the "Program ") as announced from time to time. I understand that after I sign and return two copies of this Agreement to the Lender /Mortgagee, the Lender /Mortgagee will send me a signed copy of this Agreement. This Agreement will not take effect unless the preconditions set forth in Section 2 have been satisfied and the Lender /Mortgagee has executed a counterpart of this Agreement. 1. My Representations. I certify, represent to Lender /Mortgagee and agree: A. I am experiencing a financial hardship, and as a result, (i) I am in default under the Loan Documents, and (ii) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future; B. I live in the Property as my principal residence, and the Property has not been condemned; C. There has been no change in the ownership of the Property since I signed the Loan Documents; D. I have provided documentation for all income that I receive (and I understand that I am not required to disclose child support or alimony unless I chose to rely on such income when requesting to qualify for the Program); E. Under penalty of perjury, all documents and information I have provided to Lender /Mortgagee in connection with this Agreement, including the documents and information regarding my eligibility for the Program, are true and correct; F. If Lender /Mortgagee requires me to obtain credit counseling in connection with the Program, I will do so; and G. I have made or will make all payments required under a Trial Period Plan or Loan Workout Plan. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: FHA/JPMC MODIFIED MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ver. 02_04_2014_11_45_38 WF466 /Form 3157 3/09 (rev. 2- 23-10) 10 11T I� 4. Via iDi 201 401 400 Loan Number 1018196732 10.2013 CR4063 CR4064 CR4127 (page 2 of 10 pages)