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n 111 Years Interest Interest Monthly Estimated Total Payment Number of Rate Rate Principal Monthly Monthly Begins on Monthly Change and Escrow Payment* Payments Date Interest Payment Payment Amount* Amount 1 -30 4.125% 05/01/2017 $417.91 $296.14 $714.05 06/01/2017 360 May adjust May adjust periodically periodically *The escrow payments may be adjusted periodically in accordance with applicable law and therefore my total monthly payment may change accordingly. The above terms in this Section 3.C. shall supersede any provisions to the contrary in the Loan Documents, including but not limited to, provisions for an adjustable or step interest rate. I understand that, if I have a pay option adjustable rate mortgage loan, upon modification, the minimum monthly payment option, the interest -only or any other payment options will no longer be offered and that the monthly payments described in the above payment schedule for my modified loan will be the minimum payment that will be due each month for the remaining term of the loan. My modified loan will not have a negative amortization feature that would allow me to pay less than the interest due resulting in any unpaid interest to be added to the outstanding principal balance. D. I will be in default if I do not comply with the terms of the Loan Documents, as modified by this Agreement. E. If a default rate of interest is permitted under the Loan Documents, then in the event of default under the Loan Documents, as amended, the interest that will be due will be the rate set forth in Section 3.C. 4. Additional Agreements. I agree to the following: A. If my loan is a daily simple interest loan or an average daily balance loan, I understand and agree that interest will accrue daily and payments will be applied as of the date received by the Lender according to the terms of the Loan Documents. Interest accrues by applying the ratio of the annual interest rate over the number of days in the year (365 or 366 in a leap year), multiplied by the principal balance, multiplied by the actual number of days the principal balance is outstanding. All payment amounts specified in this FHA /JPMC MODIFIED MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ver. 04_28_2017_23_01_01 WF466/Form 3157 3/09 (rev. 2-23-10) �I 1 I MAP Diu 201703951 Loan Number 1969272084 CR43862 (page 4 of 10 pages)