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Loan No: 0500681492 4. Additional Agreements. I agree to the following: D. E. G. H. That, as of the Modification Effective Date, a permitted, under any circumstance, to assume circumstances, be assigned to, or assumed by, a I have no right of set -off or counterclaim, or Mortgage. 201406492 Data ID: 796 A. That all persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, the Subordinate Note and the Security Instrument, unless a borrower or co- borrower is deceased or the Lender has waived this requirement in writing. B. That this Agreement, the Note and Security Instrument shall supersede the terms of any modification, forbearance, Trial Period Plan or Workout Plan that I previously entered into with Lender. C To comply, except to the extent that they are modified by this Agreement, the Note and the Security Instrument, with all covenants, agreements, and requirements of Loan Documents including my agreement to make all payments of taxes, insurance premiums, assessments, Escrow Items, impounds, and all other payments, the amount of which may change periodically over the term of my Loan. That I have been advised of the amount needed to fully fund my Escrow Account. That the Loan Documents are composed of duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed. The Loan Documents constitute a first lien on the Property and are in no way prejudiced by this Agreement. F. That all terms and provisions of the Loan Documents, except as expressly modified by this Agreement, the Subordinate Note and the Security Instrument, remain in full force and effect; nothing in this Agreement or the Subordinate Note or the Security Instrument shall be understood or construed to be a satisfaction or release in whole or in part of the obligations contained in the Loan Documents; and that except as otherwise specifically provided in, and as expressly modified by, this Agreement, the Subordinate Note and the Security Instrument, the Lender and I will be bound by, and will comply with, all of the terms and conditions of the Loan Documents. buyer or transferee of the Property will not be the Loan. This Agreement may not, under any buyer of the Property. any defense to the obligations of the Note or FHA HOME AFFORDABLE MODIFICATION AGREEMENT , 10/09 (Page 5 of 8 Pages)