HELPINGYOU INYCIUR STAY I.IOME.

I{AKINC HOI,IT AFIOi{DA8 LE

/.Yftr;'t&,..

Yaufiay be ableto make your payments ntore afioyCeble.

Acttlow to get the help you need!

SuNfhusr
MORTCAGE .l\rly 29,2A1A

CoVULOANNUIIIBER : 3

Dear Congratulations! YoLr eligible a HomeAffofdabe Modificaiion. previously arc for As described, ifyou complywith the terms of the HomeAffordablel\,4odification period plan, we wil modifyyour Trial morlgage loanandwalvea I priorlatechaees that fmainunpaid. The enclosed Home Affordable [,,lod fication Ag.eement ("[,4odifcaUon Agreemenl,)feftects the proposed termsof youf modified mortgage. How to Accept This Offerl

Sffi

pERtoD corurtlurro MAKEyouRTRTAL pAyMENTs oNTIME

To accepl offer, must lhis vou sionandfeturn both esofthe Modlfcat Agfeement ustnthe coo on to pfe'paid enclosed, envelope Bl11l2a1A by .lftheNlodificalionAgreementhasnotaryprovrsionsat publcand rctumihe notarized the end,you mustsignbothcopies before notary a copies us.We to yo! encourage to make copyof all documents yourrecords. youdo notsendboihsigned a fof lf copjes you of the Mod ficaiion Agreer.ent theabove by date, must contact tf youstiI wish10beconsidered us youroanmodified. forthisprogram have and

ffi

youn pERroD pAyMENTs corurtruurMAKE TRIAL ro oNTIME

p! Be certainto makegly remalninq tialpCligd oavments AI bC&Ic te dele! hCy Aje d!q. tf the trial periodpayments madeafterihelr cJLre are datesor in amounts different from ihe amountfequired, youf loanmay not be nrodified. To betterunderstand proposed ihe terrnsof yourmodified mo.tgagepleasereadlhe attached summary of youf modified moi(gage ihe Modlfcation and Agfeement. We lookfoMard10headng ffomyouno later than 08/11/2010 Sincerely, BARBARA COLE

Att.Dhnehts: Sunnary af'/aur Madned Maftlage, fvla copie6 ol the MadifjcafionAgrcehent

period, NEW PRINCIPAL BALANCE. Anypastd!eanrountsasoftheendofthetrial includjng !npald premlums certa assessments d on yourbehalf a ihird inierest, estate real taxes, insLrance pa and n io pady,wil be added1oyouf modgage ioan balance.lf you fulfill the te.ms of the trial period including, not lirnited making but to, any remaining periodpayments, will waiveALL late trial we charqes have that accrued remain and unpaid theendofthetrialperiod. at INTEREST RATE.Theinieresl onyourmodlfed willbeadjusted noted theatacned rate ioan as in I\,4odification Agreement Section n 3.C. yourmortgage payrnent, wjllexlend termof yourmodgage. TERIlt EXTENSION. feduce To we the This yourpayments a longer period. we means willspfead over youfmortgage paymeni, willdefer DEFERRAL PRINCIPAL. further OF To reduce we colleclion and of principai. wi I notberequired make interest on $13,600.00ofyoufoutstanding notcollect You to payments thaipodion. poftlon princlpalwill duewhen payoffthemodifed you monthly on This ol be toan you which bewhen sellortransfer lnlefest yourhouserefinance loan, wil oan, an in the orwhen the is astsched|]led oavrnent due ESGROW ACCOUNT. lerms yourModificalion The of AgTeement require seNicerto astde the set a portion yournewmonlh payment anescrow y of in acco!nt payment yourpropefty lof of laxes, insurance prern andother uiredfees. insu rance iums feq Anyprior waiver escrows you endef nolonger of by I is in premiums elfect/Se,'vlcer/ I draw thisaccount payyoLrr estale wi on to ral lales andinsunce as payment due.Please thatyourescrow note theycome araount adjust will ifyouriaxes, insufance prcmiums payment [Seryicer] and/of assessment araounts change, ihe arno!nt yourmonihly so of that place escrcwwilla adjust permilted law.Thismeans yoLrf in s0 as payment must by ihat monthly may y paymentwill change. Youflnitial monlh escfow be is in $335.98 Thisamount included thetoan payraent in you noted Sect 3.C.of theenclosed on N4odification Agreement; donotneed rer.itth s to sepaTaie amount v, payments, have ESCROW SHORTAGE. to thetiming yourtaxandinsunce Due of we detefmined is offunds yourescrow in lhatthere a shoilage account theamoL]nt $1,259.90 . Youmaypay if of period. (60months) payment a ready over Thismonthly ihisarnbunt a s-year has beenincluded the n payment escrow stated above. you wish to paythe tota!shortagenow in a lumpsurn, lf rnonlhly please contact us. Paying this amountnow in a lumpsum will reduce your new monthly payment. provis to dealwith an escfow mayincude a temaUve mortgage ons shortage in [SeNicer with law.l accordance aDplicable SCHEDULE. The enclosed ]\lodlfication PAYIMENT Agreement includes paymenl a schedule rn
Seclion 3.C. showing your paynrentplan fof Lhelite otyour firodilied loan afler the tda period

afe charges lhismodificaUon. for FEES.There nofeesorother

Pleasereadihe enclosed l\,4odificat Agrcemenicarefulyand makesufe that REPRESENTATIONS. on you undefstand and lhai lhe stalements fodh in the'My Representaiions' it set seclionare true and pleaseconiactus at 1,800,443.1032 lf accuraie. you haveanyquesUons, BORROWERINCENTIVE.lf you nrakeyour monthlymorlgagepaymenison time, you wil accruea monihlybenefit equalto ihe lesserof: (i) $83.33or (ii) one-half ofthe reduction the monthly in modgage paynreft. As ong as your mortgage oan does not become 90 days deinquent we will monthly benefit your morlgage loanand reduceyouf princlpal applyyouraccrLred io balance aftefeach of of ihe fifsi throughfifth annlversaries the monthin which lhe Trial Pe od Plan is executed. youf li modifiedmortgageloan ever becomes90 days deinquent,you wll lose al accruedbut unapplied principalreductionbenefjtsand will no longer be eligibleto accrue additonaLprjnclpa reducton benefilseven ifthe mortgage loan is laterbrought cu.rent. This pfovision shouldon y be lncluded ifthe borrowedsmonihy mortgagepaymeni (pinclpal, interest,properly taxes, hazard insurance,flood associaiionfees and homeowneasassociationfees, as appicable, but ins!fance, condominium is exciudingmortgageinsurance) reducedthroughtlre HomeAffordablelvlodification Programby six peacent more. or

NotaryCheatSlaeet
and thls Whereof, lender I haveexecuted Agreen'lent The In Witness BORROWER DATE BORROWER

DATE
Be ISpace ow Th s LineForAcknowledgementl

OF CITY/COUNTY STATE XXXXXXXXXX OF

3. Enier name Borrower(s) i'r sd do a Notal PJolic aid fortre sa d JJr ctio1, personally me in mysa d jurisdlction, appeared befofe t thisday

the name signed theforgoing is to instrument acknowledged and , whose

same befofe n mysadjursdLcton. me expires: Mycommission
sea thisihe GIVENundermy handand notafial

7. PlaceSealHere

I\4ORTGAGE SUNTRUST

6. Notaryto ACKNOWLEDGIM (LENDER'S CORPORATE signhere

OF STATE VIRGINIA. to OF CITY/COUNry RICH|\iIOND.witl

Notary Public

cedify thisday that in do a Notary Public andfof thesaidjufisdiction, hereby VicePresident of me personally before in my saidjurisdiciion, appeared

t,

the whose name is signedio the fofegoinginstrumentand acknow]edged same Incofporated SunTftrsi[,4ortgage,

me before in rnysaidj!risdlction. expires: L4y commisslon Nurnbef Registration and the GIVEN lndermyhand notaal sealihis dayof

,20

Notary Public

# lnveslor Loan

63

Ret!rnTo AfterRecording [,lORTGAGE SUNTRUST R\ryV 3054 Avenue, 1001Semmes VA 23224 Rlchmond, prepared by Thlsdocumeniwas Data ThisLine Recording For Above lSpace

M ON H O M E F F O R D A B L EO D I F I C A T I A G R E E M E N T A Process) Documentation (SiepTwo ofTwo-Step

("1") Boffower A SLNGLE WOlilAN (' L4ORTGAGE SUNTRUST Lendef Lender")i ( lnstrumentlv4odgage Note("Note")i Aptll2 2407 Dateoffirsi lienSecurity ) and Number Loan ("Property is ): Address Property landLegalDesc ptionif recodation necessary]

(SEE SCHEDULE ATTACHEO "A') solely corporaliof is acUng that lfc Registration Systems, MERSis a separate Electronic lvlERSis Modgage is and for lenderand lende/ssuccessors assignsl\4ERS the riodgageeunderthe l\,'lorigage as a nominee numbcr p O of and the is and l\,,lERS organized exising under lawsof Deawareandhasan address tolophonc (888) 679-MERS. 48501-2026 Box2026,Flint,NrlL Affordable respects thenihis Home to in 1 if my represenlalionsSeclion continue be truein all materia andsuppemeni(1)lhe lvlortgage ("Agreemenf will,as setforthin Seclon 3' amend Agreemeni l\,,lodification ) as and TheMorlgage Noletogether' lhy may by and on the Property, (2)the Notesecured ihe lMorlgage ' termsused n lhis io afe previously havebeenamended, referred as ihe "LoanDoc!ments Capiialized lravethe meanhggivento themlrl Loat Doc! ents and Agreement not defined will the io that I undersland aftef signandreiurniwo copiesof thisAgteement the Lender, Lender sendme a in seiforth Secton un iake Thls Agreementwllnoi effect essthepteconditions copyof thisAgfeemenl. sgne.l havebeensa{isiied. 2 1. agree Lerderand lcertify, representlo My Representations. A. and a I am expefiencing fnancia hardship, as a reslLt (i) | am ln defauliundeflhe Loan liquidassets to 1o incomeor access sufiicient and (ii) | do not havesufficient Doclmenls, paymenis or in the nearlulurel now modgage makethe monthly has residence the Prcperty notbeencondemnedl and as I livein the Pfoperly my pr ncipal There has been no changeln the owners|ipoi the Propedysince I signedthe Loan Documents; (andI understand I am not that for thal I receive documentation all income I havepfovided when I Llniess choseio relyon suchjncome of chid support alimony required disclose to progm('Program'))i l\,4odifcaiion for io tequesllng quallfy ihe HomeAffotdable

B. C. D

1 l f t h e r e i s m o r e t h a n o n e B o r c w e r o r M o d g a q o r e x c u l i n o l h i se a c hsn c ln t( e d l o a sl ' F o ' p u r p o s e s o l t h i s docu re e (such "we')andvicevIsawhe appropdale as L)shal include plural the documentwordssigiifyingthesinsuar(suchas Fannie Mae/FddieMac UNIFORM AGREEMENT Sing Fam y IMODIFCATION MULTISTAIEHO[rlE AFFORDABLE F'm 3rs7 3/00 (rev 3/09) (1 ors pass)

E.

io Underpenallyof peiury, aldocurnents and informaiion have provided Lefder in and infomaUon fegardlng my connection with this Ag.eerient,incLuding documents lhe forthe Progm,afe trueandcorrect; eligibiily ing wiih f Lender requres rneto obtaif credilcounse in conneciion ihe Progranr,wj I do so;

G.

required undera TdalPeriod Planor LoanWorkout I havemadeor will makeall paymenls

2.

I and to and that: Acknowledgements Preconditions Modification.unde$land acknowledge Agree nt; me T tulE OFTHEESSENCE r thjs lS unde B. 3 lf priorio ihe L4odificai Eifective on Daleas setforth n Section the Lender delermlnes lhat ln 1 anyof rnyrepresenta|ons SecUon are no longeftrueand correctthe LoanDocuments will will willnotbe modlfied thisAgreement termnate. lf ihal evenl, Lender haveal and the provlded the LoanDocuments;and by ofthe ghtsandrcmedles {rorn will unLess uftil (i) | feceive and understand the LoanDocuments not be modified lhat signed the Lender, (ii)the Vlodification by afd Effective theLender copyofthis Agreement a and lhatthe Lender Date(asdeilned Secuon hasoccurfed.I fudherunderstand agree in 3) of if wi Lnot be ob igatedor boundto makeany modification the LoanDocumenis I fail lo Agreemeni, rneet oneof ihe requremenls any underlhis

c.

li in The lr'lodificalion. my representaiions SeoUon1 coniinueto be true in al maierlalrespeclsand

set 2 al precondilions lhe modlfication forth n Section havebeenmel,lhe Loan to (the Daie') modiiied 05/01/2010 "l\,4odjficatiof on Effective Documents willaulomatically become latecharges that remain unpaid be waived I understand if I havefailedto will lhal and all lnpaid as io under workoltplanor tria pe od plan, a rnake paymenis a precondltion thlsmodifcalion any paymenl be d!e on 05/01/2010 will will thismodlfication noltake effect.Theiirstr.odified B . ,e 'ew[,1aru'iLy w rl be 04lOll2O5A Date

include amounts a(earages of all and thalwi The modifedpincipa balance my NotewilL Effeclive Date (incudingunpaid and defeuedinlefesl, be pastdle as of ihe Nlodification unpaidlate charges, coleciively, fees, escrowadvancesand oiher costs,but excluding 'LJnpaid less blt credited my 10 AmoLrnts") anyamo!nlspaidto lhe Lender not previously The newprincipal balance my Noiew ll be $348,476.66 (ihe"NewPrinclpal of Loan. ng to Amounts the oulstand to Baanoe | urdersland by agreeing add the Unpaid that ) basedon the intercsi.ate in principal Unpaid Amounts acclrielnterest balance, added the will of L ihat eifeclundefthis Agfeemenl. aso understand thls meansinletest now accrue whlch woLrld not balance, that is added1o the oltsiandingprincipal ihe lnpaid Interest happen wiihout Agreemeni. lhis (the"Defened PincipalBalance") Prncipal Balance shall defeffe.l be ol $13,600.00 lre ruew payirtereslornake nanLllypayntents otlthisarnourrt. llew Principal Ttte andlwillnat to Beaing Ptincipal Balance shallberefeffed asthe "lnterest Balance lesslheDefeffed lntercst atthe mteaf 2.aaa% wi PincipalBalance" thisanauntis $334,876.66 and asaf 4/1n410 andthefirslnew BeaingPincipalBalance begintoaccrue onthe lnterest willbe duean 5/1/2014 paynenton thelnterest PincipalBalance Bearing monlhly My paynentschedule for the nadified Laan is as falaws:
HoME ATFORoABLE ACREEMENT ensb Mrc/Frcddc Mac uN FORM co-.,)7 309 (rdl309)

Estmated Morthly
Chaige

Irlonthly Becins On

1-5

2 1aa% 04/0 r/2010s1014 09

3.000% 04t4112015$ 11 7 81 4
4.000% 44t4112016$r 35rJ0

$335.98

$ 1 , 3 50 7

45t01t2014 60

6
7

05t01t2015 1 2 05t01t2016 1 2 o5n1l2o17 396

8 - 4 0 4.540% 4410)12017$ 1 4 4 0 . 3 7

'The esctawpaynents may be adjusted peiodically in accordance with applicable and law paymentmay therefore tatalmanthly my change accordingu. Theabavetems in thisSection shallsupetsede pravisionsto contrary theLoan 3.C any the in Doaunents,hlcludhlgbut not linlited ta, pnvisians lot at) adjuslableor step interestrate. I understand that,if Ihave a pay aptianadjustahlerale motTgage loan, upannodificalian, the mininun mahlhlypaynenl option,the interest-only arany athetpayment aplianswlll na longer be offeredand Ihat the manthlypaynenls descihed in the abavepaynent schedulefar ny madifledlaan will be lhe mininun paynent that will be due eachnonth forthe rcnaining lenn aflhe loan. My nodifiedloanwillnathavea negative anaftization featurcthatwould allow ne to pay less than the interesldua resultingln any unpaidlnterestta be addedta the autslanding D. lwillbe in defauli I do notcomply theierms il with oflhe Loan Doc!ments, modified th s as by lf a defaull rateof inlerest pemi{iedunder LoanDocumenls, in ihe eventoi defau is lhe lhen t under LoanDocumefts, amended, lnteresl will be duewll be lhe ratesei Iorttl lhe as tlrat lhe in Seciion 3.C. I asteelo pay in fulltheDefened PincipalAalance and anyathetan.unts stillawe.tmdcl the Laan Docunents bythe earlieslaf: (i) the dale I sell or tnnsfer an intercstin the Prapefty, (ii)the date I pay the entire lnterestBeaing Pincipal Balance,ot(iii) thenew MaturityDate.
G,

lf I nake a paiial prepaynent of Pincipal, the Lendermay apply tha!pattialprepaymentfitst ta any DeferredPincipal Balancebefarc applyingsuch paftial prepayment othet anounts to
agree to the folowlng:

Additional Agreements. .

That all personswho signed lhe Loan Documentsor their autho zed represenlalive(s) have slgnedthis Agreement,unless (i) a boffoweror co borroweris deceasedi( ) lhe borrowerand co-borower are divorcedand ihe propedy has been transterredto one spouse in the dlvorce decree,the spousewho no long-ar 2n intef-ast lhe properlyneed noi sgn this Ag.eement haa in (aihough ihe non-signingspouse may continueio be held liablefor the obllgationufder the Loan Documenis);or (l i) the Lendef has waived this requiremenlin w Ung. lhat lhrs Agreementshall slpersede the ierrns oiany modiication,forbearance, a Pedod T Plan or Workout Plan ihat pfeviouslyentercdinio wilh Lrder.
Sng|e F2mIy Fannie Mae/FIeddie [,Iac UNIFORI4 Form 3157 3/09 (rev 3/0s)

B.

IVIULTISTATEHOI\IE AFFORDABLE MOD]FCATION AGREEIjIENT (3 or3 FageE

C. To comply, except the extefl that theyare modified lhis Agreement, all covenants, to by wlth agfeemefls,and requirernents Loan Documents oi including agreement .nakea my to payments premiums, oitaxes,insurance assessments Escfowtems,impounds aLlothef and payments, amount periodically the ofwhichmaychange overtheielm of my Loan D. That this Agreemenl noticethat the Lendeas waiveras to payment Escrow conslitLrles of Ltenrs, any hasbeenrevokedand I havebeenadvised the amounineeded fLrlly if of fund to mvescrow account. That the Loan Docurnents composed duy valid,binding are of agreements, enforceable n accordance lheiriems andarc hereby wlth reaffmed Thatal lermsand provlsiofs the Loan Docur.ents, of exceptas expressly Jiedby th s mod Agreement, remainin f!llforce and effect;nolhinq thisAgreeflrent in shallbe understood or construed be a satisfacton release wholeor n part of the obilgations in to or contain in the ed provided and as expressly Loan Docurnents; that exceptas olheMisespecifically and in, m o d i f e d b y , t h i s A g r e e m e n l , t h e L e n d e r a n d l w i l b e b o u n c o m,p ln d wh , o f t h e dby a ywl i al Lerms oondlionsof lhe Loa Docu refts. and G . That,as of lhe l\4odilication Effeclive Date,notwithslandjng olhef provision the Loan any of Documents,agreeas follows lf all or any pari of the Property any nterest it is soldor I or iri wllhout Lende/sprlorwritlen rnay, its option, t.ansferred consent, Lender at require imrnediale payment full of a I s!ms secured the Morlgage. in by However, Lender shallnotexercseihls prohibll exercise suchoption of the opiion stateor federal if law,ru es or regulalions ihe oi as daleof slch sale or lransfer.lf Lendefexerclses oplion Lendefshallg ve me nolice thls of acceleraiion notice The shallprovide pe od oi notlessthan30 daysfrom a the datethe noticeis delivered malledwithinwhichI mlst pay a I sumssecurcdby the or lflfailtopaylheseslmsprioriotheexpiraionofthsperiod [,4orlgage. Lender invoke r.ay permilted lhe lvlortgage anyremedies by wlthoul fudhernoiice ordemand me. on That,as of the fvlodification Effectrve Dale, I underctand the Lefder wll only alow the that and ol lhrs to ol taansfer ass!mptron lhe Loan,rncludrng Agreement, a lransleree my pfoperly as permiltedunder lhe Garn St GermainAcl, 12 U.S.C.Section1701j-3 A bLryer or ol will Lrnder otherclrcumslance, assume any transferee the Property not be permitled, to the this Agreemenl may noi be assigned or esslrmed 2 Loan. Excepias noledhereln, to hy, bJyer ta-sfe ee o'lhe Prcperty or Thal,as of ihe lMod Etfecllve Date,if anyprovision the Noteor in anyaddendum n ficaUon or amendment the Noteallowed the assessment a penally tull or pa(ia prepayment to for of for suchprovisionnulland is void. ofiheNote, .t Thai, will cooperale ly wiih Lendefin oblaining iiile endorsemeni(s), similar fu any or ilie product(s), insurance and/or subordinaUon agreemenl(s) are necessary requredby ihe thal of loan Lendelsprocedures ens!relhatthe moditied to modgage is in firstlienposilonand/ors and fullyen{orceable uponmodificalion thal if, underanycircumsiance notwithslandlng and in the an)lhingelse to the contrary lhis Agfeemenl, Lenderdoes nol receivesuch iile prod!ci(s)and/ofsubordination agreemeni(s), the lerms endorsenrent(s) ins!rance iille then of this Agreement not becomeeflecllveon the l\,lodificaUon vr'ill EtfecUve Daie and lhe void. AoreementwilinLilland be

NlULTISTATE fIOME AFFORDABLE MODIFCATON ACREEMENT - Single Famiy - Fannie lL/ae/Frcdde JUac UNIFORM Fdm 31s7 ros t! 3r0s)

Thai lwili execLrie such olhef documents may be reasonably as necessary eiher (i) io consummate terms and condtionsof this Agreement; (i) coreci ihe lerms and or the afterexecuUon thisAgrcemeni. undeBtand of I conditions this Planlf an effof js detecled of will thata coffcciod Agrccmcnt I be p.ovided me andtliis Agreement be void andof no wl to legaleffeciuponnoUce sucherror. lf I electnotio signanysuchcorrected Agrcement, of the jn terrns oithe original LoanDocurnents shallcontinue fullforceandeffect, suchtermswill not be modified ihis Agreement, lwill not be eligible a modiiication by and for !nder the Home prcsram. AffodableModiJicailon Modgage Electrcnic Regislfaton Systems, ( [4ERS) ]s a separate Inc. comoraton organized and exlsllng underihe lawsoi Delaware has an address ielephone and and number P.O. of (888) 679-]VERS. n caseswhere the loan has been Box 2026, Flinl l\,41 48501'2026, granled lhe borowerin the wlth who has onlylegalliile to the inleresis by reglstered l,,lERS mortgage and who is actingsolelyas nominee Lenderand Lendefs successors for and including, notlimited bui assigns, IVERS the righl:to exercise or a I oi ihoseinlerests, has any and to lake any acUon rcquired Lender of lo, ihe rightto fofeclose and seLl the Propedy; loan. including, notllmlied releaslng canceling modgage but to and the
ll.

information, includingbul noi limiiedto, my That Lenderwll collectand recordpersonal name,address, number, socialsecurilynr,rmber, creditscore, ncome paymenl telephone hlstory,government moniiong information, information and abolt accountbalances and and to of activity. In addllion, underctand consenl lhe disclosure my personainlormation I if and the tems of ihe Tria PeriodPlan and this [,4od catiof Agreemenl Lefder to (a)the by Nlac n conneclion their with U.S. Depaftment the Treas!ry,(b) Fannielvae and F.eddie of lity irlsurer, responsibllllies underthe HomeAffordab arrd StabililyPlan; (c) any lnveslur, guarantees services lrst ien or subordinale guarantor servicer owns,insures, or my or lhat loan(s);(d) companies that performsuppodseryices the for lien (lf applcable)mortgage Program and the SecondLien[,4odiicai]on Pfogrami and (e) HomeAffordabeN,,lodification anyHUDcedlfied housing counselol relaiedlo the Loan Documenls and/orthis Agfeemeni lost is Lagreethat if any documeni refleclsthe lrue and correct ol misplaced, misstated, inaccuralely termsand conditions the m withthe Lendeds reqr.rest execule, to loan as rnodiJled, is otheMise ssing,I will comply or initial and dellver to the Lender any documenla{ion Lenderdeems the acknowledge, necessary. the odglnalpromlssory lf noie is replaced. Lenderhercbyindemnifles ihe me note,Al documents Lefder with lhe againstany loss associated a demandon the original 4.N.shallbe referfed as 'Documenls.lragree delivef to I lo ot lhis requests me under Seclion withinten (10) days afier I receivethe Lendels wriltenrequesifor such the Documents

N,

Mac !NFORM IVIOOFCATION AGREEMeNT Singe Famly - Fanne Mae/Frcddie MULTISTATE HOME AFFORDABLE s/os) Fom 3157 3/0e (rev. Pases) {s;rs

ln Wllness Whereof, Lenderand haveexecuted Agreement. lhe I this

{Sea)

Date

Date

Date

Date

Below ThisLineForAcknowledgeme nll lSpace

CITY/COUNTY OF STATE OF , to wii:

t, a Notary Public ancl thesaidjurisdiclion, in for do me hereby fy thaithlsdaypelsonally ceri appeared before in mysaid lurisdiction, insirument acknowedged samebeforc in my said and the me whose name16 signed lhe forgoing to iufisdiction. lvlycommission expires;

GIVEN under hand notaalseal the my and this _

day ,20_. of

Notary ic Pub

MOD]FCATION AGREEMENT Sioa|e Famiy MUL.IISTATE HO[1E AFFORDABLE (6or8paoes)

FannjeMae/FeddieM:. LJNIFORI,I Form3157 3/0s (rev 3/0s)

MotgageElectrcnic Registration Systens, - Nomihee Le"der Date Inc. far (LENDER'S CORPORATE ACKNOWLEDG[,1ENT) STATEOFVIRG]N],q. c TY/COUNTY oF_BlgHMQllq to wit:
I,

thisdaypersonally appeared before n mysaidjurlsdicUon, rne VicePresidenl SunTrust of tr,lodgage, Incorporaled name signed thefofegoing whose is to inslrument and jurisdiction. before i.rmysaid me acknowledgedsame the
[,4y commission expires] Regishaiion N!mber GIVEN unde. hand my andnolarial sealthis the_day of ,20_

z NotaryPublicin and for the saidju sdictiondo hereby cedifylhat

Nolary Public

MULTSTATE HOME AFFORD BLE MODIFTCATON AGREEMENT 0;rs pases)

sinse Forh3157 3/os (ev. s/os)

(SCNEDULE'A)

A Parcl1:

nComprised oll

. Parcel2.

Pa.cel 3:

. Assessor's Prcel lloi 9

]\11-TLTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT Sinse Frm y - Fannle Mae/Frdde Ma. UN FORJr,l (3 or3 pass) Form3157 3/0e (rv 3/0s)

CORRECTION AGRIEMENT
LOANNUMBER: 3

Words used thisagreement defined in are below.Words thesingular in man include plunl and and rhe viseversa. "Borcwef is is MORTGAGE,lNC., its successors and or assigns. "Lender" SUNTRUST thedeblevidenced and bytheNote all sr)ms !ndertheSecurity dre lnstrnnent "t.oan"nears "Note"means promissory the noteG) signed theborrower favor by in ofLendef. Instrument" means Ded Trust/Mortgage/Security the of Inslrument, sjgned the Bonower favorofihe by "Securiiy in palment tle Note. Lender, securing of Agreement Conect Provide to or Additional Documentation ofFees:In considention Lender of nodiryjng the ofthe Loan regardlss reason anyloss, and ofthe for originaltems misplacernent, omission, rnisstatement or jtt ila.iJudcy anyLoandocumirlatior, Boiower asftes lollows:lfany docutrrcntlost, ar is misplaced, omiited, misstated inaccurately or reflects lrueandcoffect the lerms conditions and oftheModificalion, reqnest upon of (including assignee ard Bonowerwillcomply\rilh Lender ofLender), Lendeis request execui, to ackno\yledge, initialard/ordeliver Lender documeniation to any deened necessaryto replace and/or corccithelost, mhplaced, omitted, misstated inaccurate or documentG). original Ifihe Modificarion rplaced, is Lender hereby indemnifies Bonoweragainst lossassociated a deDrand theoriginalModification. documents any with on AII Lerder requests of Bofiowershall refeffed asr(Requested be to Documents". Bonower agrees de]iver Requsled to the Documents aftefreceipt Borrower writlen withinten( l0) days by ofa request such of replacenent. Bonower agrees also that Borrower pay previously upon request willsuplly additional amounis and/or to Lender additionalsum any disclosed to Bonoweras acostor feeassociated theModificaiion. with which whatevorreason. notcollectcd for was atdrc Borowerdoes hefcby agree covenant order assure dredocumenration and timeof Modifioatior, in 10 thal executed insurance thh date wjllenable Lenderio sek orguaranty theDepartmenl from olHousing Urban and Development (HUD)or Department (VA), ilapplicable, to confonn ofVeteran's Affairs or with andbeacceptablelheFedral to (FNMA), (FHLMC), Association Federal Naiional Mortaase Home LoanMonsdge Corporation Covernnent (CNMA), anyother investor. Association of National Mortgage As elibd to assure all LoanModifjcations compleied that are QualiiyControlAuthorizationi partoi a continuing practices,quality accordance lhe highest \{ilh standards ofprofessional ethics busirress and a conlrol aLrdit perfonned is each samlling ofModificatjons month.As aresultofthis random sarnpiing, an:udilmaybepedofmed on a randonr on yourLoanafiq ModificarioD. Duringthis rcvicw,Lcndcr, iis assigtrs, rcveriry or nray employme,rt, deposit, oreilit and repods.Boffowefacknowledges the Loanmaybe selected partof standjDgs, verification appmisal loan tlat as quality procedure authorize reverjfication conlrol and the information sutplicd conjuncrion Lender's ofvarious in with zsvalid,stheoiieinal rererifi.dtion the for plrposes. obtaining hoftgage.A thorocotyofrhhforir sh.llbergarded urderihis Agfeenedmaybe made ibe Lender by (includi.g Request lerdef: Any request by aisignees persons and acting behalfoftle Lende, andshallbe Prina Facieevidence the necessiry sane. A writtenstatement on of lor to at irrdicated theLoanModificalion seni ovemight asproofofmailing, in and via mail addressedBorrower theaddress be conclusive evidence oflhe necessiry Requesi lor Documenls. shall corsidered to acknowledge, or doliver Requested iniiial dr. Bonowd LiabilityrIfbofower failsor refusos exocuto, Docunrerts or 10 morethanten(10) days afierbeinerequested do so by Lender, io Bofiower undersraDds Lender fees Lendef that is coniained hercinandagrees be liablefor anyandall lossor damage io relyinson ihe representations whichLender ably thereby inchding, notlinitedto, all reasonable but attorney's andcost fees incured l.ender. by reason sustains the ofthe LoanModificaiion nrure tle berefitoflender'ssuccessor's and to ThisAgreement survive closing shall and personal the devises, represenialives, and assigns bebindingupon heirs, and successon assigns ofBorrower.

Inc Sunlrusl Mortgage,

Vkglnia 23224 Richmoid, Tel 800-4431032 Fax804-675-7399

SuNIhusr
Iuly29,2A10 Loan Numben Dear
Your loan has beer)approvidlur a Loar Modifflation/Parrial Claim/HSA;at ihe receiptof your Loan Modification/Partial ClaintHSAAgfeement and Conrribution. will be completing We system changes xo loan showthatyourmorlgage is nowcurrent,

543

like to to fof Wewould to extend youtheopportuniryapply SurePay. SurePay, convenient With or.lr mortgage you payment service, nolonger to maila check month SunTrust have each to Mortgage. service This offersl . Automatically your paymert yourchecking savings transltr mortgage from or account . Save and lime postage. . No matter you you you yourpala:nent bemade time, where areor what arcdoing, know will on everytime, .lfdesired, prjncipal buildequity extra with amountsyourmonthly in draft. . Even selcithe (within days day four ofyoufdue date) dra{l occur. tle will
. Ii's fteel

you any $ay possible regards our offer and for any other jssues We would ljke to be ablc io contact in to your loan. By signingher, regarding You givc SunTrustMortgage permission contact via cell phone, message email. Please you Representalives to text provide with your or us nxmber emailaddressr and mobile you Al SunTrust, goalis to provide wjlh oulslanding our service is convenient yourneeds. youhave that io lf any questions aboutSurePay, aboutyour mortgage or loan,please sendus ar e-mailot call ou| Customer SeNice Representalives a\ I'800-634 192 Thankyou, BARBARACOLE SunTruslMorigage,Inc. Loss Mitigation Specialist
rqual Housing Lende.. SunTrusi Morigage, 901Semms In6, Avenue, VA Rchmood, 23224s licensed the Depannreflt by of Corporaiions uder the Calilornia Residenijal fMoirgage Lendlng Act ls an llinois Resldenlia ivodgage Licensee a is Lenderin Massachuseits havng rModgage Lenderlicense rM11216, #s [410133, i,411432, M11914, rr,111913 M11815, Mt2411 ML1214[412442, [412491 [412538i I censed theNewHanps Ban is by hire kingDepEdirent icefsedby the is , , and NewJersey Depadment Banking hsuran, toll Lee 1,888-994-7864: licersedlender Rhodestand; doing of afd sa in is if 7250 busifess Arzonaas Cstar^,loa(gage, N. 16thStreetSte.100,Phoenlx, 85020j is doing Az and business New in Yo.kai 145 Pinelawn Road, suite330,lveville,NY 11747. O2008, SuiTrlsi Banks, SunTrusl a fedeEtyregisiercd Inc. s

Borrower's Authorization Certilication and SunTrust Mortgage, - Loss Inc Mitigation

Borrower'sAuthorizationTo Release lnlbrmation
To Whom MayConcem: lt

SUNTRUST

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VWe haveapplied a modification modgage for ol from SunTrusr Moftgage, (,,SunTrusr"). a pan ol rhe inc. As jn process applicarior Sun'liust verilyinfonnarion may coniained my/our application in orher and documnrs rcquircd in connection rhemodiilcalion, wifi eilher.before it closed asa paitoffts quatiiy program. or conlrot you IAVeaulhorjze 1oprovide SunTrust, io anyinvesror tlhon SunTrust sellmy mortgage, andall to or to may any information documentation they.equesr. and that SL,ch infomarion in.ludes, is norliniredto, enploynenr bul hisrory and income, bankmoney markelandsimilaraccounr balances; credithisrory; and copies income renms. oi rax lurthennore, SurTrust anyinvestor purchases mortgage address authorizarion pal1y or that ihe may this ro any named in thenodificaLion aDDlioation. A copy ofthissigncd authorization beacccpl0d anoriginal. may as Yourpronptreplyto SunTrust, investor purchascd mongage,apprccialed orthe thar lhc is

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I futherauthorize SunTrust order consumcfcredit andverify io a report other credilor liability infomadon includingpasi andpresent modgages landlord and references.is underslood a photocopy lr that ofthislolm will serve auihofization. as pursuanr thisauthoiizalion beused Thinformation obtained SunTrusr by to may onlyfor processing nodification Iny ol application. Borrower,scertifi cation Theundersigned cedilics followingl ihe

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J/We haveapplied fora nodiljcatjon moilgage of fi.on SunTrusl. applying a modification, complered ln for l/we an applicalion conxaining information emplo)ment income, on and and assets and liabilitjes.l/We cedfy rhat the infomationin $e appljcalion lrue andcorcct. I/We,as of the dareserforrh opposite is ny/oursignature rL on applicarion, madeno misrepresntations application otherdocuments, did l/we onn any perlinent in the or nor Fu{hemor, infomation. I/we fully unde|stand /we havecontinuing that obligarioD anrend to and/or supplemeni the provided thcnodificalion informatior in olmo(gage application ifany oflhe marerial which fads have been represnred should charcc oriorroolosin!. l/We fully understand any inlentional negligenl that or nisrcpresentationG)rbe informarjon of oontained rhe in application resull civil liabilily may iD and/o. criminal penahies nrcludnrg, notlimited fincor imp sonmenl bolh but 10, or under provisions the ofTitle 18,United Srate Code, Seclion 1001, sq. et. andljabilityfor nonettuy oamagcs Lne ro Lendef, agents, its and penon successors assigns, insurers anyoiher and whomaysuffef loss to reliance any any due upon misrerresentation Vwehavemadc theaDDlicalion. rvhich on VWefullyunde|stand rny/our that nodification original ofmortgage alplicalion be rctaincd SunTrust, ifrhe nay by even modifi cation n01 is approved.

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Socia Securily Number

SocialSecurity Number

SocialSecurity Number

SocialSecurity Nurnber

CAI-IFORNX ALI--P[JR.POSf, A

CERTIF'iCATEOF'ACKI{OWLEDGMENT
Stateof Calilbrnia

County of

On personally appeared

me, before
(HeEiisn name ritk oftheoulc*) a.d

to whoproved meon thebasis ofsatisfactory evidenoe betheperson(s) to whose name(s) is/are subscribed to thewithininstrument acknowledgedmethathe/she/they and to executed same his/her/their the in authorized capacjty(ies), thatby his,4ier/their and signatLrre(s)theinstrument person(s), theentity on the or upon behalfof whichtheperson(s) acted, executed inshument. th I cetify under PENALTYOFPERJURY under lawsofthe State th ofCalifornia theforegoing that paragraph ls uueanocorrecr, WTNESSmy hand officialseal, and
SjCnlture Nolary of lublic

ADDITIONAL OPTIONALINFORMATION
]NS'1ITUC]]ONS COMPLETINC I'OR THISFORM DESCRIPTION THEATTACHED OF DOCUMENT
of docunon0 Gnle or descriplion anacned
(ontinurd) (Tiilc or Jci.rifr on of do\h(d Llo(um(nL

Ary acknatledgneht cat,pleted ,' Cdtthmia mwt cahtart robiage *dd|, N opped4 dbote in he katary sectiahar a epaton ac|Davledgneht lon, th"lt be prcpen! canpteteddnd attachedta that .laco1e,!. The o ! dceptioh it { d dodh'e,t ts ta b. kcat.ted orbid. tcdtihnir h tr.h h,lunur, drrulkttdbc actuovhdg|rant refbiage dr ka! beprihted a, et.h a ldcuteht so lory at lha retuiaEedaesnat reqflire the h.to,! tD da sodethinsthat is illagallor o hatdryik Cntijb ia A.e eutij/iry the o,thati.ea caracitr .I nre sisnet).Pleasechak the da.urcnt carefult Jar papet hatuidl votdins d"d orach thh.lannil teqtued. . Stdte Counly and infomation nusrbc rhoSuk andCounty *hererhedocunrnt sieno(t pereonally appeaEd belore rolarypublic acknoqledgment the for . Dale ofnorarization nust belhe daE thatthe signe(t poNonally appeared which drusiho L,e ll'csanr dat.(huackrcwlcdemcDl is oomplered , The nolarypublicnusr pint hn or ho nano as ir appeds withiDhis or trr conoission rolloBedby a coma andthcnyour lidc (no$ry publi!) ' lrinl the nahe(t of docunent sienc(t sho Ie{onallt appear ihe lioe ol at ! lndrcalc corcct singuldor plumlfoms by cm$incoII inonect foms (i.e. the te/shtlt tr is /s ) o! ctcling thecoftcl Iotus. Failure corccily iddicate 10 rhis infomalion 10ad rolecrion do.ument nay to ol E.ordine . The notarysealinpresion nust te clearandphologdphically pproduciblc l,npresion nusl nor covertexr or liis. lf sealinpresion smudgcs, le{eaL if a sDfilciehl areaFemis, othenvise complore a dilloretu acknowledgfrenl fom. . Siclatureoflhe notarypublic nui hatch the sisnature filc witn rhe omceof on Addiiionar infoharion h no! r.quned couldb.lp io eDslre but rhh acknowledgnent not hnusedor aftehedto a dillerentdocuent is .i' Ldic.rerdeorryleoialucheddocumenr,Dunbcroipagesanddate .a lndicablne capaciry claimed thesisnd il$e clainedcaplciry a by n coForaleoliiccl ibdicatc title (i.e CEO.CIO. Secrelary) the , Secrcly atu.h this docMeni io thc signed do.umenl .l

NunberofPages _

Document Date

CLA]MEDBY THESICNER CAPACITY (s) ! Irdividual ! Corporate offlcer

(Ti!re) Altomey'in-Fact

tr Trusiee(s) tr other

ILLEGIBLE NOTARYSEAI,DECLARATION
(cc 27361.7 ANDCCP201s.s) Thenotarysealon thedocumgnt whichthisstalement attached to is reads follows: as Nameof Notary: DateCommission Expires: County ofCommission: Commission Number: under penalty the ofperjuryunderthelawsofthc State "I cenifu(or deciare) of thattheforegoing trueandcorect." Califomia is

Today'sDate:August3, 2010

Signatue Declara.nt: of PrintedName: