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Recording information: Mortgage dated vy I t /GU 11 , in principal sum of al D I y a .OD, and recorded in I4a 11 f N E (County and State or Other Jurisdiction) on 05 I012141 , in Liber /Book , Page(s) Instrument Number .DL I D9.7 Important Disclosures: The Federal Housing Administration (FHA) requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being offered to you. Lender is required to provide you with clear and understandable written information about the terms, costs, and risks of the modified mortgage in a timely manner to enable Borrower to make informed decisions. This information is included below. Please read it carefully. If my representations in Section 1 below continue to be true in all material respects, then this Loan Modification Agreement ( "Agreement ") will, as set forth in Section 3 below, 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 here have the meaning given to them in the Loan Documents. If there is more than one borrower or mortgagor executing this document, each is referred to as "I." Words signifying the singular (such as "I ") shall include the plural (such as "we ") and vice versa where appropriate. This Agreement will not take effect unless the preconditions set forth in Section 2 below have been satisfied. 1. My Representations. I certify, represent to Lender, and agree as follows: A. The Property has no more than four units. B. The Property currently has no materially adverse physical condition(s). C. I intend to continue to live in the Property as my primary residence. D. I do not have any other FHA - insured mortgage. E. I am in default under the Loan Documents. My default under the Loan Documents resulted from my verifiable (1) Toss of income or (2) increase in living expenses. F. I currently have sufficient income to support the financial obligations under the Loan Documents, as modified by this Agreement. G. I have disclosed all income that I receive. I have provided Servicer with all requested financial information. However, I am not required to disclose any child support or alimony that I receive, unless 1 wish to have such income considered to qualify for the Plan. H. Under penalty of perjury, all documents and information I have provided to Lender in connection with this Agreement are true and correct. I IIII II 18 II 111 II III IHI 111 II 111 III II III it III II III ! II I I I IIII IIII i 11111 I II I I IIII I IIII I III II IIII I I I I I I INII N lil II III II Ill I I NI II I II 1 1111 Page 2 - 416472 PKG 018 / C3_7525 -4 20150525