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201407437 <br />Loan No. 0501361547 Data ID: 896 <br />Borrower: KIMBERLY M LOPEZ <br />LOAN MODIFICATION AGREEMENT RIDER <br />THIS LOAN MODIFICATION AGREEMENT RIDER is made this 14th day of October, 2014, by <br />and between the undersigned borrower (the "Borrower") and FLAGSTAR BANK, (the "Lender") and is <br />incorporated into and shall be deemed to amend and supplement that certain LOAN MODIFICATION <br />AGREEMENT (the "Agreement") of the same date executed by the Borrower and Lender as of the date <br />above. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Agreement, <br />Borrower and Lender further covenant and agree as follows: <br />1. Costs and Expenses <br />All costs and expenses incurred by Lender in connection with this Agreement shall be borne by Lender <br />and not paid by Borrower. <br />2. Escrow Items <br />Lender is notifying Borrower that any prior waiver by Lender of Borrower's obligation to pay to Lender <br />Funds for any or all Escrow Items is hereby revoked. Borrower is hereby advised that beginning on the <br />monthly payment due date set forth above, the amount of Escrow Items will be included with Borrower's <br />monthly payment of principal and interest. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and conditions contained in this <br />LOAN MODIFICATION AGREEMENT RIDER. <br />.. .......................... .. . <br />BERLY M PEZ —Borrower <br />