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201508478 <br />(a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, <br />or relating to, any change or adjustment in the rate of interest payable under the Note; and <br />(b) all terms and provisions of any adjustable rate rider, or other instrument or document that is <br />affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and <br />that contains any such terms and provisions as those referred to in (a) above. <br />5. Borrower understands and . agrees that: <br />(a) All the rights and remedies, stipulations, and conditions contained in the Security Instrument <br />relating to default in the making of payments under the Security Instrument shall also apply to <br />default in the making of the modified payments hereunder. <br />(b) All covenants, agreements, stipulations, and conditions in the Note and Security Instrument shall <br />be and remain in full force and effect, except as herein modified, and none of the Borrower's <br />obligations or liabilities under the Note and Security Instrument shall be diminished or released by <br />any provisions hereof, nor shall this Agreement in any way impair, diminish, or affect any of <br />Lender's rights under or remedies on the Note and Security Instrument, whether such rights or <br />remedies arise thereunder or by operation of law. Also, all rights of recourse to which Lender is <br />presently entitled against any property or any other persons in any way obligated for, or liable on, <br />the Note and Security Instrument are expressly reserved by Lender. <br />(c) Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole <br />or in part of the Note and Security Instrument. <br />(d) All costs and expenses incurred by Lender in connection with this Agreement, including recording <br />fees, title examination, and attorney's fees, shall be paid by the Borrower and shall be secured by <br />the Security Instrument, unless stipulated otherwise by Lender. <br />(e) Borrower agrees to make and execute such other documents or papers as may be necessary or <br />required to effectuate the terms and conditions of this Agreement which, if approved and accepted <br />by Lender, shall bind and inure to the heirs, executors, administrators, and assigns of the <br />Borrower. <br />(f) Borrower authorizes Lender, and Lender's successors and assigns, to share Borrower information <br />including, but not limited to (i) name, address, and telephone number, (ii) Social Security Number, <br />(iii) credit score, (iv) income, (v) payment history, (vi) account balances and activity, including <br />information about any modification or foreclosure relief programs, with Third Parties that can <br />assist Lender and Borrower in obtaining a foreclosure prevention alternative, or otherwise provide <br />support services related to Borrower's loan. For purposes of this section, Third Parties include a <br />counseling agency, state or local Housing Finance Agency or similar entity, any insurer, <br />guarantor, or servicer that insures, guarantees, or services Borrower's loan or any other mortgage <br />loan secured by the Property on which Borrower is obligated, or to any companies that perform <br />support services to them in connection with Borrower's loan. <br />West Gate Bank- Lender <br />Borrower consents to being contacted by Lender or Third Parties concerning mortgage assistance <br />relating to Borrower's loan including the trial period plan to modify Borrower's loan, at any <br />telephone number, including mobile telephone number, or email address Borrower has provided to <br />Lender or Third Parties. <br />By checking this box, Borrower also consents to be g contacted by text essaging O. <br />By: 1 lilt . ilelAAWA/ <br />Mark W. Hansen <br />I I J30 /i <br />Date of Lender's Signature <br />LOAN MODIFICATION AGREEMENT— Single Family — Fannie Mae UNIFORM INSTRUMENT Form 3179 1 /01 (rev. 04/14) (page 2 of 3) <br />