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� , � , fl 2� 17� 1 � 18 . Y 1 s Months Interest Rete Interest Rete Monthiy Prin�ipa! Monthly Tvtel Pvym�n# Ch�a�e 1�Ate ond Intere�t Faym�nt Escrow Monthly Begi.as fln Poymcnt Peyment'� Amount� 36� 3.625�% Q31U 11��17 $329.53 $247.�5 �577.48 U4101f24�7 *After yvur madificat�on �s complete, escrow payments ad just at �east annually in accardaa�e w�th appli�able ��w therefore, the tvtal monthly payment mey change accord�ngly. The ahove t�rms shall supersede any provisivns#a the contraty in the Laan Documen�s, including but not�imited�o,pro�isions f�r an adjustab�e vr step interreSt rate. I understand tha#, if I ha�e �a pay aptian adjustabte rate mortgage loan, upon modificatian, the minimum month�y payment option,#he interest-only ar any other payment optians witl no l�nger be affered and that the m�nthly paymen#s described in the abv�e payment schedule far my mfld�fied loan wilt be th�minimum payment that v�ilt b�due each manth for the remaining t�rm of th�loan. My modified �nan will not ha�e a n�gati�e amortizativn f�afure that would allnw me ta pay less than the interest due resulting in any unpa�d �nterest to be added t� the autstanding principa� balance. D. I wil� be in d�fault if I dv not camply with the terms vf t�e Laan I�ocuments,a� modified by this Agreemen�. E. If a default rate of interest is permitted under the Loan Documents, then �n the e�ent of�efauit under the Loan Dacuments,as a�tnended,fihe interest that wiIt be due will be the rate set forth. 4. Add�tionai Agreemen�s. I agree to the following: A. That a11 persons wha signed the Loan Documents or their authorized representati�e�s}have signed th�s Agr�ement,unless�i�a barrawer ar ca-bvrrower is deceased;[ii}the borrower and caborrower are di�orced and the property has been transferred t�one spouse in the di�orce decree,#h� spouse whv na langer has an interest in the pr{operty need not sign this Agreement �althaugh the non- signing spouse may continue to be hetd�iabl�for the obligation under the Loan Documents);or�ii�} the Lender has wai�ved�his requirement in writing. B. That this Agreement shall suRersede the terms of any rnadificati�n, forbearance, Trial Period P�an vr M�rtgage Assistance that�previous�y entered into with Lender, �. To compty, except to the extent �hat they are mod.ified by �is Agreement, with all ca�enants, agr�ements,and requir�men#s of Laan Documen#s including my agreement to make aIl payments af ta.xes, insurance premiums, assessments, Escrow I�ems, impounds, and al� other payments, �he amount of which may chan�e periadically over the term af my Laan. D. That this Agreement canstitu�es nati�e that the Lender's wai�er as�o payment vf Escrow Items, if VVells Fargo Custvm FHA Home Affardable Medification Agreement ��8 I�� �Z15�416 445 � � Page 4 , I . I