December **, ****

ANITA MARTINEZ

*** ******* **

BAKERSFIELD CA 93305-0000

Read, sign and

return.

Please return the enclosed documents to us by

*/**/****.

Property Address:

*** ******* **

BAKERSFIELD, CA 93305-0000

Dear Homeowner:

Congratulations, you are now ready to complete the COVID-19 home retention mortgage assistance plan documents. These documents must be returned by 1/25/2022, and they include two parts: a HUD partial claim and a loan modification.

1. The HUD partial claim is an interest-free loan from HUD that doesn't have to be repaid until the first mortgage is paid off or until the borrower no longer owns the property. 2. The loan modification is an agreement between you and MidFirst Bank which modifies the existing note and related mortgage.

Enclosed for your review and signature are two copies of the HUD Partial Claim Promissory Note and Subordinate Mortgage/Deed of Trust and two copies of the Loan Modification Agreement. Part 1, the HUD Partial Claim, is a new, interest-free loan from HUD that does not become due until the earlier of: (i) payoff or refinance of the Primary Loan; (ii) sale of the property; (iii) maturity of the Primary Loan or the date of its acceleration; or (iv) the Primary Loan is no longer insured by HUD. The HUD partial claim includes the following amounts: Primary Loan Items Included in HUD Partial Claim Primary Loan Amounts Included in HUD Partial Claim

Unpaid Interest +$8,371.02

Escrows Advanced +$8,076.81

Foreclosure Attorney Fees and Costs Now Due +$0.00 Principal +$18,985.33

(Less) Capitalized Amounts -$0.00

(Less) Suspense Funds -$0.00

Total Partial Claim $35,433.16

MM Loan Number: 58682520

Part 2 is a Loan Modification Agreement that modifies the Primary Loan. The basic terms of the primary loan and the modified terms are outlined below: CURRENT TERMS MODIFIED TERMS

Principal Balance $141,732.67 $122,747.34

Interest Rate 3.375% 3.125%

Maturity Date 3/1/2050 1/1/2052

CURRENT PAYMENT MODIFIED PAYMENT

Principal and Interest Payment $627.60 $525.82

Escrow Payment $341.33 $358.771

Total Payment $968.93 $884.59

1- Subject to change at the next Escrow Analysis

Please note that as part of the loan modification agreement, any Primary Loan principal included in the HUD partial claim will be applied to reduce the total unpaid principal balance of the Primary Loan. This amount will be repaid to HUD when the HUD Partial Claim becomes due as described above. To complete your loan modification and partial claim plan documents, all borrowers must follow the instructions on the next page exactly, and sign the documents in front of a notary public, then return to Midland two fully signed originals of the HUD Partial Claim documents and two fully signed originals of the Loan Modification Agreement. By signing the attached documents, you are acknowledging that you have read, understand and agree to the terms of the Loan Modification Agreement and HUD partial claim, including the terms outlined above. Once the signed and notarized plan documents are received and accepted by Midland, we will waive all outstanding late charges due through the effective date of your plan. The signed documents must be returned by 1/25/2022. Your first payment under the Loan Modification Agreement in the amount of $884.59 is due on or before 2/1/2022. You may send your first payment with the signed HUD partial claim documents and loan modification agreements. Please be aware that failure to return all required documents by the deadline may disqualify you from the program. In such a case, the collection and/or foreclosure process may proceed without further notice to you. A loan modification may extend the term of the loan or, in some cases, increase the payment amount. Please read the plan documents carefully, make sure you understand the modified terms, and contact us with any questions. We report the status of the loan, including a loan modification, to credit reporting bureaus. Mortgage payment assistance plans may adversely affect credit scores. For more information about credit scores, go to http://ftc.gov/bcp/edu/pubs/consumer/credit/cre24.shtm. If you have questions, please call us at 1-800-***-**** Monday to Friday 8 a.m. to 7 p.m. or Saturday 9 a.m. to 1 p.m. Central time.

Sincerely,

Midland Mortgage, a division of MidFirst Bank

Notice: If you have received a bankruptcy discharge of the debt secured by the Mortgage/Deed of Trust, or you are currently in bankruptcy under the protection of the automatic stay, this letter is not an attempt to collect the debt from you personally and is for informational purposes only. If your loan was in default at the time MidFirst Bank obtained it, and you have not filed bankruptcy or received a discharge of the debt secured by the Mortgage/Deed of Trust, we are required to advise you that this communication is from a debt collector, this is an attempt to collect a debt, and any information obtained will be used for that purpose. Notice to Connecticut and North Carolina Residents: The purpose of this communication is to collect a debt. Notice to Vermont Residents: This is an attempt to collect a debt and any information obtained will be used for that purpose. MM Loan Number: 58682520

Read These Instructions Before

Signing Your Plan Documents

Helpful tips and reminders:

ü Please follow these directions exactly or your mortgage assistance plan could be delayed! ü Two sets of the Loan Modification Agreement & Partial Claim Agreement are enclosed. Both will be returned to Midland using the mailing information below. ü USE BLACK INK ONLY, or your plan documents may be delayed or rejected. ü Do not change the documents in any way. Please call 800-***-**** with any questions about the documents or the details of your mortgage assistance plan. Instructions for document signers:

Sign all copies of the Loan Modification and Partial Claim Agreements in front of a notary.

Sign names in black ink on all sets of documents exactly as they appear - don't forget middle initials, middle names, Jr./Sr., etc.

Initial each page and sign both sets of documents in all places where names appear. Instructions for the notary:

Use black ink for the notary stamp and signature.

Complete the date of acknowledgement.

List your notary expiration date.

Include your notary stamp and/or seal on the acknowledgement pages.

Ensure the notary seal is in a blank space and does not cover text or signatures. By Overnight Courier (UPS, FedEx, Etc.) By US Mail Midland Mortgage - A Division of MidFirst Bank

Attn: MAC

999 N.W. Grand Boulevard, Suite 100

Oklahoma City, OK 73118

Midland Mortgage - A Division of MidFirst Bank

Attn: MAC

P.O. Box 268806

Oklahoma City, OK 73126-8806

MM Loan Number: 58682520

When Recorded Mail to:

FIRST AMERICAN TITLE CO.

FAMS-DTO RECORDING

3 FIRST AMERICAN WAY

SANTA ANA, CA 92707-991

Document Prepared by:

Cindhu Vincent

MidFirst Bank

999 N.W. Grand Boulevard, Suite 100

Oklahoma City, OK 73118-6116

1-800-***-****

*AAXIGICXCA* *98-47506385*

Parcel # 012-270-12-00-1

Tax ID# 012-270-12-00-1

Please cross-reference to: Instrument Number: 220029566, KERN County California. LOAN MODIFICATION OF MORTGAGE AGREEMENT

FIXED RATE LOAN

This Loan Modification Agreement ("Agreement"), made by and between ANITA MARTINEZ, an unmarried person ("Borrower") MidFirst Bank, a federally chartered savings association located at 501 N.W. Grand Blvd. Oklahoma City, OK 73118 ("Lender"), and Mortgage Electronic Registration Systems, Inc. ("MERS") ("Beneficiary") renews, amends, supplements and extends: (1) the Mortgage, Deed of Trust, or Security Deed ("Security Instrument") originated on 2/24/2020, recorded on 3/4/2020, in Instrument Number: 220029566, in KERN County, California and granted or assigned to Mortgage Electronic Registration Systems, Inc. ("MERS"), and (2) the Promissory Note ("Note") bearing the same date, in the original principal amount of

$141,961.00 and secured by, the Security Instrument and other loan documents typically referred to as "addenda" or "riders" (collectively referred to herein as "Loan Documents"), which are secured by the real and personal property described in the Security Instrument, located at Page 1 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** 224 PACIFIC ST, BAKERSFIELD, CA 93305-0000, the real property described being set forth as follows:

See Exhibit "A" attached hereto and made a part hereof. Parcel # 012-270-12-00-1

(Herein defined as "Property").

Capitalized Amount: $0.00

Borrower is in default or at imminent risk of default under the Loan Documents and desires (i) that the Lender forbear from exercising its rights under the Loan Documents, (ii) to extend or rearrange the time and manner of payment of the Note and other obligations due to Lender under the Loan Documents, and

(iii) to extend and carry forward the lien(s) on the Property, whether created by the Security Instrument or otherwise. Lender, the legal holder entitled to enforce the Note and of the lien(s) securing the same, has agreed to Borrower's request to so forbear, to extend or rearrange the time and manner of payment of the Note, and to grant certain other financial accommodations pursuant to the terms of this Agreement. In consideration of the mutual promises and agreements exchanged, and other good and valuable consideration paid by each of the parties to the other, the receipt and sufficiency of which is hereby acknowledged, the parties mutually agree to modify, renew and extend the Note and Security Instrument and any other Loan Documents, as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. Acknowledgement of Unpaid Balance:

Borrower acknowledges that as of the date of the first payment due under this Agreement, Borrower owes Lender the unpaid balance of $158,180.50 ("Unpaid Balance"), in addition to the other fees, charges and expenses described in the section of the Agreement entitled "Acknowledgement of Unpaid Fees and Costs." The Unpaid Balance includes unpaid principal of $141,732.67, unpaid interest of $8,371.02, escrows advanced of $8,076.81, and certain unpaid fees of $0.00, less $0.00 in suspense funds. Borrower acknowledges that $35,433.16 of the Unpaid Balance shall be paid by a new loan, extended to Borrower by Department of Housing and Urban Development ("HUD") according to the terms of HUD Partial Claim loan ("Partial Claim Loan") that is memorialized in a Partial Claim Promissory Note and Subordinate Mortgage/Deed of Trust between Borrower and HUD (''HUD Partial Claim Documents''). Borrower shall not be required to make monthly payments to HUD on the Partial Claim Loan but, rather, shall repay that amount to HUD according to the terms of the HUD Partial Claim Documents.

After removal of the Partial Claim Loan amount from the Unpaid Balance, the amount owed by Borrower to Lender under the terms of this Agreement is $122,747.34

(''Modified Principal Balance''). Borrower hereby renews, extends and promises to pay the Modified Principal Balance, plus interest, to the order of Lender. Interest will be Page 2 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** charged on the Modified Principal Balance until the full amount of the Modified Principal Balance and the other amounts due hereunder and under the Loan Documents have been paid in accordance with the terms and conditions of the Loan Documents, as modified by this Agreement. All references in the Loan Documents to "Principal" shall be deemed to refer to the Modified Principal Balance. 2. Acknowledgement of Unpaid Fees and Costs:

Borrower agrees to remain responsible for payment of allowable costs and fees now due and owing ("Unpaid Fees and Costs") plus other allowable late charges, costs, fees and expenses incurred after this Agreement becomes effective (the total sum of which is referred to as "Fees and Costs"). Borrower agrees and acknowledges that Borrower received notice of Unpaid Fees and Costs due as of a date certain prior to execution of this Agreement.

Lender has agreed to postpone the collection of any outstanding Fees and Costs that are not paid in advance or that are not included in the Modified Principal Balance. Fees and Costs not included in the Modified Principal Balance remain due and owing as part of the debt secured by the Loan Documents to the extent provided in the Loan Documents and as otherwise permissible under applicable law. The outstanding Fees and Costs remain due and payable to Lender and shall be paid by Borrower, with interest, as permitted by the Loan Documents. Furthermore, outstanding Fees and Costs shall be payable to Lender on demand of Lender and shall be secured by the Security Instrument to the extent provided in the Security Instrument and otherwise permissible under applicable laws and requirements. 3. Interest Calculation:

Interest will be calculated at a fixed yearly interest rate of 3.125%. 4. Payment Amounts, Time of Payments and Maturity Date: a. Borrower acknowledges and agrees that Borrower shall, beginning on 2/1/2022, through the Maturity Date, make monthly payments of U.S. $525.82 for principal and interest and shall continue to make such payments in accordance with the terms and conditions set forth in the Loan Documents until the Modified Principal Balance is paid in full.

b. An escrow account has been established under the terms and conditions of the Loan Documents. Borrower will make an escrow payment each month on each payment due date. The escrow payment currently is $358.77 per month, which is subject to change depending on the amounts attributable to taxes, insurance and other escrow items. The present combined monthly payment and escrow payment will be

$884.59. The escrow payment will be re-analyzed from time to time in accordance with the terms of the Loan Documents to determine the appropriate escrow payment amount so that taxes, insurance, and other escrow items may be paid appropriately. Page 3 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** The escrow payment amount will be combined with the monthly principal and interest payment amount.

c. The Maturity Date of the Loan is extended to 1/1/2052. If Borrower still owes amounts to Lender on the Maturity Date, Borrower will pay these amounts in full on the Maturity Date.

5. Acknowledgment of Pre-Existing Conditions to Loan Modification: The Borrower acknowledges and agrees this Agreement is subject to the following conditions, which must exist at the time this Agreement is executed: a. All payments set forth in the Payment Schedule under the Loan Modification Trial Plan Agreement must have been made according to the Payment Schedule; b. The Property has no physical conditions that will adversely affect the Borrower's continued use of the Property or interfere with the Borrower's ability to make payments as required under this Agreement; and

c. The Borrower (one or more) is occupying the Property as the Borrower's primary residence, unless occupancy by a Borrower is expressly not required by applicable Investor or Insurer guidance and program requirements; and d. The Lender remains in the first lien position and there are no outstanding liens and/or judgments against the Property; and

e. If applicable, Bankruptcy Court approval; and

f. If applicable, all requirements for an assumption of the loan are satisfied and Lender has approved the assumption.

The Borrower acknowledges and agrees that in the event the conditions set forth in this paragraph are not satisfied, this Agreement shall become null and void unless otherwise expressly agreed by Lender in writing. In the event this Agreement becomes null and void as set forth in this paragraph, Borrower acknowledges and agrees all provisions of the Loan Documents shall continue in full force and effect and Lender shall be under no obligation to modify any provision of the Loan Documents under this Agreement.

6. Place of Payment:

Borrower agrees to make payments at the following address or such other place as the Lender may require upon written notice to Borrower: Midland Mortgage - A Division of MidFirst Bank

Attn: Cashiers

P.O. Box 268888

Oklahoma City, OK 73126-8888

7. Adjustable Rate Loan Provisions in Note:

Page 4 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** If the interest rate in the Interest Calculation section of this Agreement is calculated as provided in the Note, any rate and payment adjustment provisions in the Note will apply. If the interest rate in the Interest Calculation section of this Agreement is fixed, any rate and payment adjustment provisions in the Note will not apply. 8. Sale or Transfer of Property by Borrower:

a. If all or any part of the Property or any interest in it is sold or transferred (or, if Borrower is not a natural person, any beneficial interest in Borrower is sold or transferred) without the Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. b. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by the Security Instrument. If Borrower fails to pay these sums prior to the expiration of the designated period, Lender may invoke any remedies permitted by the Security Instrument without further notice or demand on Borrower. 9. Compliance with Loan Documents:

Borrower represents that, except for the payments described in this Agreement, Borrower is in full compliance with the covenants in the Loan Documents and that all of the representations and warranties contained in the Loan Documents are true, correct or satisfied as of the effective date of this Agreement. 10. Renewal and Extension:

It is the intention of the parties that all liens and security interests described in the Loan Documents are hereby renewed and extended until the Modified Principal Balance and other obligations to Lender, have been fully paid. Borrower and Lender acknowledge and agree that the extension, amendment, modification or rearrangement effected by this Agreement shall in no manner affect or impair the Note or the liens and security interests securing the Note. The parties mutually agree that the purposes of this Agreement is to extend, modify, amend or rearrange the time and manner of payment of the Loan Documents and the indebtedness evidenced thereby, and to carry forward all liens and security interests (including, if applicable, any and all vendor's liens), which are expressly acknowledged by Borrower to be valid and subsisting, and in full force and effect to fully secure the payment of the Note.

11. No Waiver of Lender's Rights Regarding Default: All the rights, remedies, stipulations, and conditions contained in the Loan Documents relating to default in the making of payments under the Loan Documents also shall apply to default in the making of the modified payments hereunder. Nothing contained herein shall be deemed to be a waiver by Lender of any terms or conditions of the Loan Page 5 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** Documents as modified by this Agreement. This Agreement shall in no way be deemed to be a waiver of Lender's rights and remedies by reason of any default by Borrower under the Loan Documents as herein modified, including without limitation future payment defaults. Nothing in this Agreement shall constitute an agreement by Lender to any future modification of the Loan Documents and Lender expressly reserves the right to refuse to agree to any future modifications.

12. Bankruptcy:

If, since inception of this loan through date of this Agreement, Borrower has received a discharge in a Chapter 7 bankruptcy and there has been no valid reaffirmation of the underlying debt, the Lender is not attempting to re-establish any personal liability for the underlying debt by entering into this Agreement. The parties acknowledge that Lender retains certain rights, including but not limited to, the right to foreclose its interest in the property under appropriate circumstances. The parties agree that the consideration for this Agreement is the Lender's forbearance from presently exercising its right and pursuing its remedies under the Security Instrument as a result of Borrower's default. The parties agree that if approval of this Agreement by the Bankruptcy Court is required and not received, this Agreement shall be null and void and of no further force or effect. 13. Loan Documents Remain In Full Force and Effect: The provisions of the Loan Documents, as amended by this Agreement, shall continue in full force and effect, and Borrower acknowledges and reaffirms Borrower's liability to Lender under the Loan Documents, subject to the terms of the Bankruptcy section of this Agreement. In the event of any inconsistency between this Agreement and the terms of the Loan Documents, this Agreement shall govern. Nothing in this Agreement shall be understood or construed to be a novation, satisfaction or release, in whole or in part, of the Loan Documents. Except as otherwise specifically provided in this Agreement, the Loan Documents remain unchanged, and Borrower and Lender are bound and must comply with all of the terms and provisions of the Loan Documents, except as amended by this Agreement.

Borrower understands and agrees that MERS is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as nominee for Lender and Lender's successors and assigns. MERS is the Beneficiary of record under the Security Instrument and this Agreement. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026 tel. (888) 679-MERS. Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower under the Loan Documents and this Agreement and is acting solely as nominee for Lender and Lender's successors and assigns and as such MERS has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling the mortgage loan.

Page 6 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** 14. Execution of Additional Documentation:

Borrower agrees to make and execute other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement, which if approved and accepted by Lender, shall be incorporated into this Agreement and shall bind and inure to Borrower's heirs, executors, administrators, and assigns. 15. Miscellaneous:

a. Lender does not, by execution of this Agreement, waive any rights it may have against any person not a party to the Agreement.

b. If any court of competent jurisdiction shall declare any provision of this Agreement to be invalid, to any extent, the remainder of the Agreement shall not be affected thereby and shall continue in full force and effect to bind the parties. c. This Agreement may be executed simultaneously in any number of counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same Agreement.

d. This Agreement shall be governed by the laws of the state where the Property is located.

16. Effective Date:

This Agreement is effective upon the execution of this Agreement by Lender and Borrower.

IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS LOAN MODIFICATION AGREEMENT, TOGETHER WITH THE LOAN DOCUMENTS AND ANY EXHIBITS AND SCHEDULES THERETO, REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND CONTROL OVER ALL PRIOR NEGOTIATIONS, AGREEMENTS AND UNDERTAKINGS BETWEEN THE PARTIES WITH RESPECT TO SUCH MATTER. ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN AGREEMENT MAY BE LEGALLY ENFORCED. THIS LOAN MODIFICATION AGREEMENT MAY BE AMENDED OR CHANGED ONLY BY A WRITTEN INSTRUMENT EXECUTED BY THE PARTIES OR THEIR AUTHORIZED ASSIGNEES. Page 7 of the Loan Modification Agreement

Order Number: 14026693

Borrower Initial Lines

*Please add the appropriate number of initial lines for each signatory over 4

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** BORROWER

ANITA MARTINEZ

Acknowledgement

A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF California )

)

COUNTY OF KERN )

On before me,, NOTARY PUBLIC, personally appeared ANITA MARTINEZ, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

WITNESS my hand and official seal.

County of Residence: Notary Public

Commission Number:

My Commission Expires: Printed Name of Notary

Page 8 of the Loan Modification Agreement

Order Number: 14026693

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** LENDER

MidFirst Bank, a federally chartered savings association located at 501 N.W. Grand Blvd. Oklahoma City, OK 73118

Vice President, MidFirst Bank

Printed Name

Acknowledgement

STATE OF OKLAHOMA )

) SS:

COUNTY OF OKLAHOMA )

On before me,, NOTARY PUBLIC, personally appeared, who acknowledged himself/herself/themselves to be a Vice President of MidFirst Bank, a federally chartered savings association located at 501 N.W. Grand Blvd. Oklahoma City, OK 73118, and who proved to me on the basis of satisfactory evidence to be the person(s) whose name is subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity as Vice President of MidFirst Bank, a federally chartered savings association located at 501 N.W. Grand Blvd. Oklahoma City, OK 73118, and that by his/her/their signature on the instrument, the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

Witness my hand and official seal.

County of Residence: Notary Public

Printed Name of Notary My Commission Expires: Page 9 of the Loan Modification Agreement

Order Number: 14026693

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** NOMINEE FOR LENDER

Mortgage Electronic Registration Systems, Inc.

Vice President

Mortgage Electronic Registration Systems, Inc.

Printed Name

ACKNOWLEDGEMENT:

STATE OF OKLAHOMA )

) SS:

COUNTY OF OKLAHOMA )

On before me,, NOTARY PUBLIC, personally appeared, who acknowledged himself/herself/themselves to be a Vice President of Mortgage Electronic Registration Systems Inc., and proved to me on the basis of satisfactory evidence to be the person(s) whose name is subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity as Vice President of Mortgage Electronic Registration Systems Inc., and that by his/her/their signature on the instrument, the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

WITNESS my hand and official seal.

County of Residence: Notary Public

Printed Name of Notary My Commission Expires: Page 10 of the Loan Modification Agreement

Order Number: 14026693

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** Exhibit "A"

THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF KERN, CITY OF BAKERSFIELD, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: LOTS 32 AND 33 IN BLOCK 15 OF ALTA VISTA TRACT IN THE CITY OF BAKERSFIELD, COUNTY OF KERN, STATE OF CALIFORNIA AS PER MAP RECORDED JANUARY 29, 1923 IN BOOK 3 PAGES 71 AND 72 OF MAPS IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY.

Parcel # 012-270-12-00-1

Tax ID# 012-270-12-00-1

Page 11 of the Loan Modification Agreement

Order Number: 14026693

MERS MIN: 100491900016941671 MERS Phone 1-888-***-**** CERTIFICATION OF CONDITION

Loan Number: 58682520

Property Address: 224 PACIFIC ST

BAKERSFIELD, CA 93305-0000

By signing this, I (we) certify that the property located at the address identified above, which is the subject of the loan

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