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, , 2� 1 ��8211 . . . . Months Interc�t R�te Inter�st Rate Mvnthly Princip�l Monthly Total Payment Change Datc and Intcrest Paymcnt Escrow Manthly Begins On P�ymcnt PAymcnt* Amount* 36� 3.6250% 121�112016 $755.94 $5�Q.34 $1,256.24 01/01120�7 *After yaur modifca�ion is complete, escrow payments adjust at least annua[[y in accordance with applicable law therefore, the total monthly payment may change accardingly. The aba�e �erms shall supersede any pra�isions to the con�rary in the Loan Documents, including but nat limi�ed ta,pr�visians for an adjustable or step interest rate. I understand that, if I ha�e a pay op�ion adjustable rate mortgage loan, upon modification, the minimum mon�hly payment option,the interest-only or any other payment options wi11 no Ionger be affered and that the monthly payments described in th� abo�e payment schedule for my madified loan wi�l be the minimum payment that will be due each month for the remaining�erm af the loan. My modified loan wi ll not ha�e a negati�e amortiz,ation feature fhat �vouid allaw me to pay �ess than the interest due resulting in any unpaid Ynterest to be added to the outstanding principal balance. D. I wil� he in default if I do not camply with the terms of�he Loan Documents, as modified by fihis Agreement. E, If a defautt rate of interest is permitt�d under the Loan Documents, then in the event of default under the Loan Documents,as amended,the interest that will be due vvill be�he rate set forth. 4. Add�tional Agreements. �agree to the fallowrng: A. That a�l persons who signed the Laan Documents or their autharized representative�s}ha�e signed this Agreement,un�ess(i}a borrower or co-borrawer is deceased; �ii}the borrower and co-borrower are divorced and the praperty has been transferred to one spouse in the di�orce decree, the spouse who no longer has an interest in the property need not sign this Agreement �although the non- signing spouse may continue to be held liable for the abligation under the Loan Documents};or�iii} the Lender has wai�ed this requirement in writing. B. That�his Agreement shal� supersede the terms of any madifica�ion, forbearance, Trial Per�od Plan or Mortgag�Assista.nce that I pre�iously entered in�o with Lender, C. Ta cQmply, excep� to fhe extent that they are madif ed by this Agreement, with all co�enants, agreements,and requirem�nts of Loarl Documents including my agreement to make all payments of taxes, insurance premiums, assessments, Escrow Items, impaunds, and al� other payments, the amount of which may change periodically a�er the term of my Loan. D. That this Agreement constitutes natice that the Lender's waiver as to payment of Escrow Items, if Wells Fargv�ustom FHA Home AfFardabie Modification Ag�reement g�6 f��m�� I� D82SZOtb 445 I IIW Page 4