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Interest Rate Change Interest Rate Interest Rate Change Date Monthly Principal and Interest Payment Amount Payment Begins On Number of Monthly Payments 1 3.875% first day of June, 2015 $318.53 first day of July, 2015 360 In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of first day of July, 2015 the amount payable under the Note and the Security Instrument (the `Unpaid Principal Balance') is U.S. $67,738.14 consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. Borrower's payment schedule for the modified Loan is as follows for the term of 30 years: 20150480/ 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance and continuing thereafter until the Maturity Date (as hereinafter defined), on the first day of June, 2045 at the yearly rate of 3.875% from first day of June, 2015. Borrower promises to pay monthly payments of principal and interest in the amount of U.S $318.53 beginning on the first day of July, 2015 and shall continue the monthly payments thereafter on the same day of each succeeding month until principal and interest are paid in full. The new Maturity Date will be June 01, 2045. FREDERICK BROWN; If on June 01, 2045 (the `Maturity Date'), Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by the Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by the Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by the Security Instrument without further notice or demand on Borrower. 4. Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the date specified in paragraph No. 1 above: LOAN MODIFICATION AGREEMENT -- Single Family — Fannie Mae Uniform Instrument itials Form 3179 06/06 (rev. 01/09)