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� , z 2� 1 ��8211 { . , , L LaT DNE �1}, SEIM SUBDiVISI�N, AN ADDITI�N T� THE CITY �F GRAND ISLAND, HALL C�UNTY,NEBRASKA. Prior �nstrument reference: Recorded on MAY �9, ZU14 in YNSTRUMENT Na. 20140317G, of the �fficial Records�f HALL C�UNTY,NEBRASKA This FHA Home Affordable Modrfication Agreement�"Agreement"} is made on��T�BER 27,ZU16 by and between Borrower, as obligor(s}, or as title halder�s} to the Property, as the context may require, and Lender. Borrower's abligations under the Note are secur�d by a properly recorded Mortgage,dated the same date as the Note encumbering the Property. Borrower agrees that, except as expressly modif ed in this Agreement, the Note and the Mortgage remain in full force and effect and are�alid,binding obiigations upon Borrower,except as discharged in Bankruptcy, and are properly secured by the Property. Nothxng in this Agreem�nt shall b� understoad or construed to be a satisfaction or release, in whale or in part nf the Barrower's obligatians under the Loan I]ocuments. �f my representations in Secfion 1, B�rrower Repre�entations,continue to be true in a11 material respects, then this Agreement will, as set forth in Section 3,amend and supptement(1}the Mottgage an the Praperty,and�Z) the Note secured by the Mortgage. The Mortgage and Note together, as th�y may pre�iausly ha�e been amended, are referred tn as the"Loan Dacuments." Capitalized �erms used in this Agreement and not defined ha�e�he m�aning gi�en to them in the Loan Documents. 1. Borrower Representatians. r certify,represent to Lender and agree: A. I am experiencing a f nancial hardship, and as a result, ti} I am in default under the terms of the Loan Documents, and �ii} I do not ha�e sufficient incom� or access to sufficient liqu�d assets to make the monthly mor�gage payments now or in the near fuiure; I did not intentionally or purposefully default an the terms of the Loan I3ocuments in order to obtain a loan modification; B. I certify the Property is not candemned and is nat�acant withou�the intent to re-occupy; C. There has been no impermissible change in the ownership of the Praperty since I signed the Loan Documents; D. I ha�e pro��ded documentation for all income that I recei�e�and I understand�hat I am not required to disclose child support �r alimony unless I chos� �o r�Iy on such income when requesting ta qualify for the FHA Home Affordable Modification Program("Program"}}; E. Under penalty of perjury, all docurnents and information I ha�e pro�id�d to Lender in connection with this Agreement, including the documents and information regarding my eligibility for the Prograrn,are true and correct; F. If Lender requires me to obtain credit counseling in connecti�n with the Program,I will do sa;and, 2. Acknowledgements and Pre�onditions to Modification. Wells Fargo Custom FHA Hame Affordab�e Modification Agreement 9�b�� l� 48252�16 445 � Page 2