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200709469 D. Borrower has requested that the terms of the Note and Security Instrument be modified. The Parties have agreed to do so pursuant to the terms and conditions stated in this Agreement. AGREEMENT NOW, THEREFORE, In consideration of the mutual promises and agreements exchanged, the Parties hereto agree as follows: 1. Incorporation of Recitals. The Recitals are an integral part of this Agreement and are incorporated by reference herein. 2. Unpaid Principal Balance. The Parties agree that as of September 1, 2007, the unpaid principal balance ofthe Note and the Security Instrument is $137,043.82 (the "Unpaid Principal Balance"). 3. Capitalization. The Borrower acknowledges that interest on the Unpaid Principal Balance has accrued but has not been paid and the Trust, or the servicer on behalf of the Trust, has incurred, paid or otherwise advanced taxes, insurance premiums and other expenses necessary to protect or enforce the interest of the Note holder or mortgagee and that such accrued and unpaid interest, costs and expenses in the total amount of $6,449.54 (the "Capitalized Amount") has been added to the indebtedness under the terms of the Note and Security Instrument, as of September 1, 2007. 4. Modified Principal Balance. When payments resume on October 1, 2007, the new balance due on the loan will be $143,493.36 ("Modified Principal Balance"), which consists of $137,043.82 plus $6,449.54. 5. Reamortization. The Modified Principal Balance will be reamortized over 332 months. 6. Payment and Interest Adjustments. Interest will be charged on the Modified Principal Balance at the interest rate of 5.000% per annum from September 1, 2007 until May 1, 2035. The following terms and provisions' of the original Note and Security Instrument are forever canceled, null and void, as of the date of this agreement: a. all terms and provisions of the Note and Security Instrument (if any) providing for or relating to any change or adjustment in the rate of interest payable under the note; and b. all terms and provisions of any adjustable rate rider or other instrument or document that is affixed to or wholly or partially incorporated into, or is a part of, the Note or Security Instrument and that contains any such terms or provision as those referred to in (a) above.