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�+ , . , , 2� 17� 1 � 18 � � � , I unders#an�and acknow��dge that: A. If prior to the Modification Effecti�e Da�e as set forth rn Section 3 the Lender determines that my repr�s�ntatiions in 5ecti�rn 1 � nv lori�er true €�nd corre�t, th� L�an Dacurn�ent� vr�ill not b� modified an�this�gr��men#will terminat�.In this e�ent,the Lend�r will ha�e alt af the ri�h�s an� r�me�ies pr��id�d by t��L�an Document�;and B. I un�erstand#hat the Loan D�cuments wil�nat be modifted unless ar�d until�ij I receive from the Lender a cnpy of this Agre�men�signed by the Lender,and(ii)the Modificatian Effecti�e Date tms defined in Section 3� has accurred. I further understand and agree that �he Lender will not be ob�igated or 6vun�ta rr�ak�any madific�ti�n of the Loan Documen#s if I fai�to meet an�r one af ti�e requirem�nts under this A�reement. � C. If in�luded, �e undersigned barrower{s} acknowledges rec�ipt and acceptanc� �f th� Notice vf Special Flood Hazard disc�asure. 3. 7'�e M�di�ic��on. �f my repr�sentations in Sectivn 1 �or�tinue to be true in�1 materi�l respec�and alI preconditians to the rnodifica�i�n set forth in Section 2 �a�e been met, #he Laari D�cuments will auton�atica►�ly becom� modified on APRIL 1, ��17�the"Modificativn Effecti�e D�te"}a�d aI� unpaid �ate�harges that remain unpaid wi��b�wai�ed. �understand tha�if I ha�e failed ta make al�required payments as a precondition to tl�is mvdification under a w�rkout plan or tri� period plan, th� Lender has the right tn reject thrs �lgeem�nt e��n if I ha�e sign�d and r�turned#his Agreement.The�rst mo�ified payment w�1�be du�on A.PRIL l,��17' A, The�.ew Maturity Da��will be:�IARCH 1,��47. B. The modified principal ba�ance af my Note wii� inelude amounts and arrearag�s tliat will be past due as of the Modificati�n Ef��ctx�� Da��e. This dves not �i.r�clude u�paid late charges, �aluativn, prop��iy preservati�n and o#her�harges nv#perm�tted under the terms vf the FH�Hom�t�ffvrdab�� Modi�cati�n Frogram.Permi#te�amaunts�nd arrearages m�y include unpaid a�d def�rred interest, fees, es�r+aw advances and other �osts �ess any a�nount� paid t� the Lender but not pre�iousl� credited tv m�r Loan,collecti�el�"Llnpaid Amounts";the portian af iJnpaYd Arnounts c�pi#alized is $�,4�2.61. The new principa� balance of my Nvte will be $7Z,Z55.31 �the "New Principal Balance"}wh�ch inc�udes the c�pita�ized Unpaid Amaunt�.I understand that�y agreeing to add�he Unp�id Amounk� to the�uts#anding principal balar�ce, the a�ded Uapaid Am�unts accrue interest based on#he interest rat�in�ffect under this Agreement, I alsa understand that this m�aEn.s interest will now ac�rue on the unpaid �nterest t�at is added ta the �utstanding principa� bala�ce, whic� wau��not ha�pen withvut th��rA.g�reement, C. Interest at the rate of 3.bZSU°/a v►�il� begin to a�ccrue on the Interest Beari.ng Principal Balance as of MARCH 1,��17 and the first new man�hly payment on#he Interest Bearing Pr�ncipal Balance wil� be d�e on APRIL 1,a417.Intere�t due an each m�nthly pay�ent w�ll be calcul�ted Uy rnultiplying the T�ew Prir��ipalllnte�est B�aring Pcinci�al Ba�a�ce and the intere�t rate in effect at t�e tiume af ca�culatian and di��ding the result by twel�e��a). My paytn�nt schedule f�r th�mod�fied Loan is as follaws: Wel�s Farg4 Custom FHA Home Afforda6le ModiScetivn Agreemer�t T�g��m� 1215�41G 445 Page 3