¢: GUild MORTGAGE COMPANY

EVERED, WA 98208

Re: Trial Payment Plan - FHA LOAN MODIFICATION

Dear Mortgagor(s):

Date: 1/12/2017 Guild Loan No.: Property address: Same as Mailing

We are pleased to announce that you have been approved for a Trial Payment Plan. Once the Trial Payment Plan has been completed successfully (all trial plan payments made as agreed and there are no outstanding lien issues), we will prepare your FHA-HAMP loan modification documents. An FHA-HAMP modification is a loss mitigation option using a loan modification and/or partial claim to allow the Mortgage to be reinstated , by establishing an affordable monthly payment, and providing for principal deferment as needed. A "partial claim" is an interest-free loan from HUD that will need to be repaid at the time of payoff, maturity date or refinance.

The trial payment plan attached to this document must be signed and returned in order for this plan to take effect. Please note that the Trial Payment Plan will be in effect from 02/01/2017 to 04/01/2017, using today's Freddie Mac PMMS (Primary Mortgage Market Survey) interest rate .

HUD guidelines specify that your property must be owner occupied and you must be committed to continuing to occupy the property as your primary residence.

While under the Trial Payment Plan, all payments must be received by the date specified. The grace period of 15 days does not apply. You must contact our office in the event you are not able to make a payment by the date specified.

To Suspend Foreclosure and Accept this Offer

Please sign and return the agreement to Guild Mortgage Company within 14 calendar days from the date of this letter. You may use the enclosed envelopes to mail these payments back to us each month. If we receive the signed agreement timely we will not refer your loan to foreclosure, or if your loan has been referred to foreclosure, we will not move for foreclosure judgment or order of sale, or conduct a foreclosure sale.

However, if you do not contact us by 14 calendar days from the date of this letter, foreclosure proceedings may continue, and a foreclosure sale may occur, even if such sale is scheduled prior to the first payment due date set forth below. If a foreclosure sale occurs prior to your making the first payment and you failed to respond by 14 calendar days from the date of this letter, this offer has been revoked .

If you need further assistance, our Loss Mitigation Team can be reached at Monday through Friday between the hours of 7:30 a.m. and 5:00 p.m.

Sincerely,

GUILD MORTGAGE COMPANY Loss Mitigation Department

"'Under the standardized format (Metro II) for credit reporting - loans on a trial payment plan will report the delinquency as it exists on the loan as of each respective month end. The account will also reflect that the loan is paying under a partial payment agreement during the trial payment plan period.· ..

San Diego, CA 92186-5304 www.guildmortgage.com

z?: GUild MORTGAGE COMP A NY

EVERETT, WA 98208

Date: 1/12/2017 Guild Loan No.: Property address: Same as Mailing

TRIAL PAYMENT PLAN AGREEMENT

You have been approved to enter into a Trial Payment Plan. Your account is presently due for the month(s) of: NOVEMBER 1, 2016 - JANUARY 1, 2017.

The arrearage totals $7,795.42 including late charges.

Your acceptance of the following schedule and conditions is ind icated by your signature on this agreement.

All the provisions of the note and security instrument, except as herein provided, will remain in full force and effect. Upon the breach of any provision of this agreement, Guild Mortgage Company may terminate th is agreement and institute or resume foreclosure proceedings according to the terms of the note and security instrument, without regard to this agreement.

All payments made under this agreement must be in CERTIFIED FUNDS ONLY. Payments will not be accepted, under any circumstances, without the signed agreement.

Trial payments will be tracked to ensure compliance with Investors guidelines and held in your unapplied account until enough money is received to make a full payment. Money will be posted to a regular payment once a full payment is accumulated.

You may choose to fully pay the delinquency at any time. Late fees will not be assessed while mortgagor is performing under the terms of this plan.

If a Bankruptcy is filed by any mortgagor affiliated with this loan during the trial , you will need to provide your attorney with a copy of this agreement showing the new modified payment. You will also need to get court approval for the loan modification.

Trial payment plans typically consist of three or four payments. However, there are times when we cannot complete the workout because there are outstanding issues that were not resolved by the end of the original trial payment period. In these cases, if the issue is resolvable , we may agree to a limited extension of the trial payment plan payments to remedy .

.. ••• .. ·PAyMENTS ARE DUE ON THE 1" OF THE MONTW·······

Due Date

02/01 /2017 03/01 /2017 04/01/2017

GUILD MORTGAGE COMPANY

Loss Mitigation Department

Payment Amount

$1 ,977.35 $1 ,977.35 $1,977.35

ACCEPTED AND AGREED THIS DAY OF _____ , 2017.

MORTGAGOR:

MORTGAGOR:

Please be aware all LIENS/JUDGMENTS MUST BE subordinated and/or paid in full. Please contact Guild if you have any outstanding Liens/Judgments.

San Diego, CA 92186-5304 www. gu ildmortgage.com