We have good news! You've been approved to enter into a Trial Period Plan under the FHA's Home Affordable Modification Program (FHA-HAMP).

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1 Bank of America, N.A. Broomfield, CO July 27, 2016 Spanaway, WA Loan Number: Congratulations! You've been approved for a Trial Period Plan. To accept this offer, please return the requested documents by September 30, Please make your first new trial payment by September 1, Dea We have good news! You've been approved to enter into a Trial Period Plan under the FHA's Home Affordable Modification Program (FHA-HAMP). FHA-HAMP has three versions: Version 1: Under this version of FHA-HAMP, a loan is not modified, but the FHA advances funds (using what the FHA calls a "Partial Claim") to pay a loan's past-due amounts to the owner of the loan. In return, the borrowers must sign a separate promissory note for the amount of the Partial Claim and must give HUD a security interest (second lien) on the home. However, a Partial Claim is interest free and requires no monthly payments. Version 2: Under this version of FHA-HAMP, a loan's terms are modified, typically by lowering the interest rate and spreading out the loan payments over a longer term. This version does not include a Partial Claim. Version 3: This version of FHA-HAMP includes both a modification and a Partial Claim. Your FHA-HAMP Trial Period Plan includes both a modification and a Partial Claim. Please note that your Trial Period Plan is based on the information available to us when we evaluated you for this trial. If you successfully complete your Trial Period Plan, we will do our permanent evaluation and offer you the version of FHA-HAMP that applies at that time. Although unlikely, the final version of FHA-HAMP that we may offer you may not be the same as the version that we anticipated in this letter. If that happens, your final FHA-HAMP terms would be based on your actual payments during the trial period and/or by including any attorney foreclosure fees and costs that we received after we calculated your Trial Period Plan. The best way for you to avoid any change in your FHA-HAMP offer is to pay the correct amounts on time as described in this letter. Please read the information below to learn about the final steps you need to take under FHA-HAMP. You'll also find information about which documents you must sign and return. This package includes information about which documents must be signed and returned. How to accept this offer To acce p t this offer, y ou must sign and return one copy of the enclosed FHA-HAMP Trial Period Plan Agreement by 1 Please keep the other copy of the Trial Period Plan Agreement for your records. You may return the signed documents by (1) fax using the enclosed fax cover sheet to-or (2) mail using the enclosed pre-paid envelope. Your first Trial Period Plan payment is due on September 1, Bank of America, N.A. is required by law to inform you that this communication is' from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt.

2 Send in your monthly Trial Period Plan payments as follows: Trial Period Plan 1st payment: $1, due 09/01/2016 2nd payment: $1, due 10/01/2016 3rd payment: $1, due 11/01/2016 Please mail your payments using the temporary payment cou p ons and envelopes included in this package, or you can pay by phone. If you want to pay by phone, please call us at Monday through Friday, 8 a.m. to 5 p.m. local time, and we can deduct your payment directly from your checking account. There are no fees to pay by phone during your trial period. What you need to know Please carefully review the enclosed Trial Period Agreement, the Frequently Asked Questions, and any other enclosures. You must sign and return any required trial plan documents. You must make your required trial plan payments within the time frames set out in this letter. After you successfully complete your Trial Period Plan, you will receive a package that will include documents that must be signed, notarized, and returned. Please be aware that all borrowers on the loan, and any additional property owners, will need to sign and return the documents before the loan can be modified. If you are not contacted by us in writing by the end of your trial period, please continue to make these payments until you hear from us. If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is only for your information and is not an attempt to impose personal liability for the debt. How we evaluated your request In an effort to find the best available loan assistance program for which you are eligible, we evaluate your financial information against the list of assistance programs available to you in the order required by the FHA. Once we determine that you qualify for a particular program, we offer it to you. Depending on where the offered program is in that order, there may be other programs lower in the list that we are unable to offer you under the FHA's requirements. We are required under applicable law to identify these programs for you. The attachment to this letter lists the program you are approved for (if any), those that you did not qualify for after we reviewed your information, and any programs in the order that we are unable to offer you. We're here to help If you have any questions about the Trial Period Plan or the Trial Period Plan Agreement included with this offer, please call Monday through Friday, 8 a.m. to 5 p.m. local time. We're glad you have been approved for a Trial Period Plan. Again, please sign and return the enclosed documents by September 30, 2016 and make your first payment by September 1, Home Loan Team Bank of America, N.A. Enclosures: (1) Frequently Asked Questions (2) Results of the Evaluation (3) Payment Coupons (4) Trial Period Plan Agreement (2 copies) (5) Payment Envelope(s) (6) Document Return Pre-Paid Envelope (7) Fax Cover Sheet

3 Under federal law, you have certain rights to send written notices of error, requests for information and qualified written requests, as each of those terms is defined under the Real Estate Settlement Procedures Act (RESPA). These rights include the obligations for us to research and respond to your notice or request and to do so within certain time frames. For more information about these rights, you can go to bankofamerica.com or contact us. We've established an exclusive address for you to send these types of written notices and requests, as provided below. If you send these notices or requests to another one of our addresses, you may not be entitled to the rights afforded you under federal law. Mailing Address for Written Notices of Errors, Requests for Information and Qualified Written Requests {as defined under RESPA): Bank of America, N.A. Simi Valley, CA MILITARY PERSONNEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act (SCRA) and similar state laws provide significant protections and benefits to eligible military service personnel. However, military service and/or SCRA qualification may not necessarily prevent foreclosure. If your loan is in default, a court may authorize foreclosure. If you are having difficulty making your payments, please call us as soon as you can so we can discuss various home retention options. You can reach our Enterprise Military Benefits Unit at From outside the U.S., please call us at -- Both numbers are available 24/7. Homeowner counseling is also available at agencies such as Military OneSource at militaryonesource.mil or --and Armed Forces Legal Assistance at legalassistance.law.af.mil, and through HUD-approved housing counseling agencies, which you can find at hud.gov/offices/hsg/sfh/hcc/hcs.cfrn. Equal Housing Protect your personal information before recycling this document.

4 Results of the Evaluation As part of the evaluation process, we reviewed your loan for all options available to you at that time. What you qualify for You have been approved for the following program. Federal Housing Administration Home Affordable Modification Program (FHA-HAMP) Modification with Partial Claim The cover letter and the enclosures in this package explain everything you need to know about how to accept the Trial Period Plan offer and what to expect next. Programs you did not qualify for We determined that you do not meet the eligibility requirements for the following program(s). You may request us to re-evaluate you for the following program(s) if you believe our decision was incorrect. If you want us to re-evaluate you, below each reason is a list of required documents (if applicable) that we need you to submit with your request. We have also provided instructions in this enclosure on how to request a re-evaluation. Federal Housing Administration (FHA) Formal Forbearance: Your loan is not eligible for the reason(s) stated below. Program guidelines require your delinquency to be cured within six months using 85% of your available surplus income. Based on your gross monthly income of $4,617.65, we have determined that you do not have enough surplus income to meet this requirement. Federal Housing Administration (FHA) Loan Modification: Your loan is not eligible for the reason(s) stated below. Within FHA program guidelines, we could not reduce your modified monthly mortgage payment by the greater of $100 or 10%. Federal Housing Administration Home Affordable Modification Program (FHA-HAMP) Partial Claim Only: Your loan is not eligible for the reason(s) stated below. The partial claim amount needed to make your loan affordable under FHA-HAMP exceeds that program's maximum of 30% of the unpaid principal balance as of the date of default. You do not meet the basic eligibility criteria for this program. We have found that your post-modification payments would be greater than your current payments. Federal Housing Administration Home Affordable Modification Program (FHA-HAMP) Modification Only: Your loan is not eligible for the reason(s) stated below. Based on the financial information you provided, we were unable to reduce your payment to the amount required under program requirements. Programs that are not available to you We evaluated your financial information against the list of assistance programs available to you in the order required by the FHA. Once we determine that you qualify for a particular program, we offer it to you. Depending on where the offered program is in that order, there may be other programs lower in the list that we are unable to offer you under FHA requirements. We are required under applicable law to identify these programs for you. Federal Housing Administration (FHA) Special Forbearance

5 Pre-Foreclosure Short Sale program under which you sell your house at the market value that the FHA determines and apply the proceeds to the outstanding loan balance. Deed in Lieu of Foreclosure program under which the FHA offers you the opportunity to avoid foreclosure by transferring ownership of your home to us in partial or full satisfaction of the outstanding Joan balance. How to request a re-evaluation I If you believe our decision is incorrect, you have 30 calendar days after the date of this letter to call us at and provide the required documents to dispute the finding and to show why our determination of eligibility was in error. Please fax any required documents to. Address your fax cover sheet to the attention of Bank of America Appeals Intake and write your loan number on every page. Also, for your records, keep a copy of all documents you fax to us and the proof of your fax submission. We must receive your request to reconsider the reason( s) for non-approval within 30 calendar days after the date on this Jetter. We will not review any information or documents that we receive after this deadline. Additional assistance available to you You can also seek assistance at no charge from U.S. Department of Housing and Urban Development-approved housing counseling agencies by calling the HOPE Hotline number Assistance in understanding this notice is available through the HOPE Hotline. Required Disclosures NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: Bureau of Consumer Financial Protection, Washington, DC Our credit decision was based in whole or in part on information in a report from the consumer reporting agencies listed below. While the information was provided by these agencies, these agencies played no part in our decision and are unable to supply specific reasons for our decision. You have a right under the Fair Credit Reporting Act to obtain a copy of your credit report from the agencies below. The report will be free if you request it within 60 days after you receive this notice. You also have the right to dispute with the agencies below the accuracy or completeness of any information in your report. Equifax Credit Information Services (EFX) (orders) (disputes) Atlanta, GA com (orders) disputes) Trans Union Corporation (TUC) (orders) (disputes) Chester, PA (orders) (disputes)

6 Experian (XPN) ---Allen, TX orders) (disputes) If you have any questions regarding this notice, call Bank of America, N.A. or mail a letter to: Fort Worth, TX 76137

7 Frequently Asked Questions Q. What is an FHA Partial Claim? As part of your FHA-insured loan, you are paying for mortgage insurance provided by the federal government to insure the lender against losses that may result from a default. Under the Partial Claim process, FHA perm its a portion of that insurance to be made available to cure missed payments, cover certain third-party servicing costs and expenses, and possibly reduce a loan's principal balance. In return, you will be required to sign a separate promissory note for the amount of the Partial Claim, and grant a security interest in your home. This note is interest free, and is only due when the loan is paid in full, or when you sell or refinance your home. At the successful completion of the Trial Period Plan, the Servicer will determine the final amount of your Partial Claim, which will be based on the total of the arrearages at that time and any required deferred principal, plus allowable fees, costs, and expenses. Q. Why is there a trial period? The trial period offers you immediate mortgage payment relief. Making all of your payments during this trial period will demonstrate that you can afford the modified payments and that they work within your budget. Note: This is only a temporary Trial Period Plan. You will continue to receive monthly statements that will show the payment amount based on your original home loan agreement. However, please pay the new trial period payment amount instead of your original payment amount. The difference between the amount of the trial payment and your normal monthly payment will be included in the final modification and/or Partial Claim, if applicable, at the successful conclusion of your trial period. Q. What happens if I do not sign and return the Trial Period Plan Agreement? If all requirements outlined to accept the offer are not met, the agreement will be void and cancelled. Q. What happens if I am unable to make payments during the trial period? If you are unable to make the trial period payments according to the agreement included in this letter, the Trial Period Plan will be canceled and you will not be eligible for this loss mitigation option. However, if this occurs, you may be eligible for other mortgage loan assistance and should call us at to discuss. Q. How is my new payment determined? If you remain eligible, your loan may be permanently modified so that your monthly mortgage payment (including principal, interest, taxes, and insurance) is more affordable. Your trial period payments, as well as your final modified payments, are calculated in the same way: First we add past-due amounts, plus any foreclosure costs, into your loan. Then your amortization schedule and your loan term are extended to 360 months. Your interest rate may also be lowered. Finally, if necessary, the FHA allows us to use a new Partial Claim to reduce your loan by up to 30% of your adjusted loan balance (minus arrearages, certain fees and costs, and any previous Partial Claims paid by HUD). This reduction to your loan balance is called a principal deferment. The new Partial Claim amount will be put into a no-interest subordinate lien to HUD. This subordinate lien only needs to be paid off when you sell or transfer your home or when your first-lien mortgage is paid off. Q. What happens to my trial period payments if I do not comply with the terms of the Trial Period Plan? We will apply your trial period payments to your past due balance according to legal requirements and the terms of your loan documents. Q. Will a foreclosure occur if I participate in this Trial Period Plan? If your loan was previously referred to foreclosure, we have asked the court to halt the foreclosure process while we evaluated your loan for loss mitigation, including FHA-HAMP. If the foreclosure court ap proves our request to halt the proceedings, no foreclosure sale will be conducted and you will not lose your home during this Trial Period. As long as you comply with the terms of the Trial Period Plan, we will not start foreclosure proceedings. If you fail to comply with the terms of the Trial Period Plan and do not work with us to find other alternatives to foreclosure, your loan will be serviced according to its original terms. Subject to legal requirements and the terms of your loan documents, this could include foreclosure.

8 Q. Are there incentives that I may qualify for if I am current with my new payments? If your loan is permanently modified, you could be eligible for up to a total of $10, in incentive payments that will help you by reducing the amount you owe. First, you can earn a pay-for-performance incentive for every month that you make on-time payments beginning with the Trial Period Plan payments. If your modified monthly mortgage payment is at least 6% lower than your pre-modification monthly mortgage payment, you may accrue an incentive amount equal to the lesser of (1) $83.33 per month or (2) one-half of the reduction in your monthly mortgage payment for each month in which you make current payments. Therefore, your maximum annual incentive could be as much as $1,000 per year for five years for a total of $5,000. The incentive will be applied to your principal balance each year after the anniversary date of your first Trial Period Plan payment due date, if your modified loan is in good standing and has not been paid in full at the time the incentive is paid. (Your loan is no longer in good standing if the equivalent of three full monthly payments are due and unpaid on the last day of any month). If your loan ceases to be in good standing or is paid in full, you will lose all accrued, unapplied incentive payments. Second, you can earn an additional $5, incentive in year six of your modification, if your modified loan is in good standing and has not been paid in full as of the date the incentive is payable, without regard to the number of payments or whether the monthly mortgage payment was reduced through HAMP by at least 6%. If earned, the $5, incentive will be applied to your principal balance the month after the sixth anniversary of your first Trial Period Plan payment due date. To be eligible for assistance under the Making Home Afford ab le Program, and potentially these pay-for-performance incentives, you may be required to sign and return a completed Dodd-Frank Certification. Additional documentation and incentive qualification criteria may apply. For further information, please contact your CRM. Q. What else should I know about this offer? If you successfully complete the Trial Period Plan and your loan is permanently modified under this program, we will waive all unpaid late charges. Staying current on your payments is the best way to maintain your credit. A modification is intended to enable you to keep your home, not to improve your credit. Credit scores are determined by your credit history and not controlled directly by Bank of America. Our commitment is to accurately report the status of all our customers. Visit ftc.gov/bcp/edu/pubs/consumer/credit/cre24.shtm for more information about your credit. If you make payments that are greater than your trial period payment amount, we may have to review your financial and hardship status, which may make you ineligible under the federal government's guidelines for FHA-HAMP. Please note that if there are parties listed on the title to the property who are not obligated under the note or who have not have participated in the modification process, the county recording office and/or the investor may require that those parties sign the permanent modification documents as a condition of recording the permanent modification. If there is such a requirement, we will advise you at the end of your trial period. If any required party fails to sign the permanent modification documents, Bank of America may decline the modification. Q. Is housing counseling required to participate in this Trial Period Plan? No. However, borrowers whose payments are past due are strongly encouraged to contact a housing counseling agency approved by the U.S. Department of Housing and Urban Development (HUD) to help them understand all of their options and to create a workable budget plan. These services are offered for free by counselors at HUD-approved housing counseling agencies.

9 Additional Trial Period Plan Information and Legal Notices The terms of your Trial Period Plan below take effect on the day you sign the Trial Period Plan Agreement. You and we agree that: We will not proceed to foreclosure sale during the trial period, provided you are complying with the terms of the Trial Period Plan, except as detailed below. During the trial period, subject to superseding legal requirements, any pending foreclosure action or proceeding will not be dismissed and may be immediately resumed if you fail to comply with the terms of the Trial Period Plan. A new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will not be necessary to continue the foreclosure action (foreclosure notices). You waive any and all rights to receive such foreclosure notices to the extent permitted by applicable law. However, if your property is located in Georgia, Hawaii, Missouri, or Virginia and a foreclosure sale is currently scheduled, the foreclosure sale may not be suspended and, subject to applicable law, foreclosure may proceed if you do not make each and every trial period payment that is due through the end of the month preceding the month in which the foreclosure sale is scheduled to occur. For example, if a foreclosure sale is scheduled in February and you do not make your January and any earlier required trial period payment by the end of January, the foreclosure sale may proceed in these four states, subject to applicable law. If a foreclosure sale occurs pursuant to this provision, the Trial Period Plan will be deemed to have terminated. During the trial period, we may accept and post your trial period payments to your account and, subject to applicable law, it will not affect foreclosure proceedings that have already been started. If the servicer accepts and posts your new payment during the trial period, subject to applicable law, servicer does not waive the acceleration of your loan or foreclosure action and related activities, and does not cure your loan default under, unless such payments are sufficient to completely cure your entire default. If your monthly payment did not include escrows for taxes and insurance, your new Trial Period Plan now requires an escrow account. You agree that any prior waiver that allowed you to pay directly for taxes and insurance is revoked. You agree to establish an escrow account and to pay required escrows into that account. Although your original loan documents remain in effect, you should pay the trial period payment amounts, instead of the payments required under your loan documents. All terms and provisions of your original mortgage note and mortgage security instrument remain in full force and effect and you will comply with those terms. Nothing in the Trial Period P Ian satisfies or releases any of the obligations contained in the loan documents "II! 11 II! 11111, 11" "" 1, "" n

10 TRIAL PERIOD PLAN AGREEMENT (FHA-HAMP Modification and Partial Claim) Trial Period Plan Effective Date: September 1, 2016 Borrower ("I"): Lender or Servicer ("Servicer"): Bank of America, N.A. Date of first lien Security Instrument ("Mortgage") and Note ("Note"): June 25, 2010 Loan Number: Property Address ("Property"): Spanaway, WA If I am in compliance with this Trial Period Plan Agreement (the "Agreement") and my representations in Section 1 continue to be true and correct in all material respects, and if the terms of this Agreement meet the guidelines of the Federal Housing Administration ("FHA"), Servicer will offer me a permanent loan modification ("Modification") and Partial Claim, as set forth in Section 3, that would bring my loan current under the terms of (1) the Mortgage or Deed of Trust on the Property and (2) the Note secured by the Mortgage or Deed of Trust. The Mortgage (or Deed of Trust) and Note together, as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined have the meaning given to them in the Loan Documents. If there is more than one Borrower or Mortgagor executing this document, each is referred to as "I". For purposes of this Agreement, words signifying the singular (such as "I" and "my") shall include the plural (such as "we" and "our'') and vice versa where appropriate. 1. My Representations. I certify, represent to Servicer, and agree: A. I am unable to afford my mortgage payments for the reasons indicated in my Hardship Affidavit and as a result (a) I am either in default or (b) I do not have sufficient income or access to repay any Past-Due Amount and/or to make my current monthly mortgage payments. B. As a condition to receiving loan assistance on my Loan, the Federal Housing Administration (FHA) requires that I successfully complete this Trial Period Plan. C. I live in the Property as my principal residence. The Property has not been condemned. I am committed to occupying the Property as my principal residence. D. There has been no change in the ownership of the Property since I signed the Loan Documents, except as previously approved by Servicer. E. I have provided Servicer with all financial information requested. However, I am not required to disclose any child support or alimony that I receive, unless I wish to have such income considered to qualify for this loss mitigation option. F. Under penalty of perjury, all documents and information I provided to Servicer in connection with my request for mortgage assistance, including the documents and information about my eligibility for this loss mitigation option are true and correct. G. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, I understand that I will not have personal liability on the debt pursuant to this Agreement 2. The Trial Period Plan. On or before each of the following due dates, I will pay the Servicer the amount set forth below ("Trial Period Payment"), which includes payment for Escrow Items, including real estate taxes, insurance premiums, and certain other fees, if any, of U.S. $1, * Trial Period Payment Trial Period Payment Due Date on or Before Number Amount I 1 $1, September 1, $1, October 1, $1, November 1, 2016 The Trial Period Payment estimates the payment that will be required under the modified loan terms, which will be finalized in accordance with Section 3 below. During the full term of the Plan (the "Trial Period"), I understand and acknowledge that:

11 A. Beginning on September 1, 2016 and continuing on the same day of each month thereafter up to and including November 1, 2016, I will pay Servicer the amount of $1, B. Until my Loan is permanently modified, my normal monthly payment is still in effect. If my normal monthly payment changes for any reason, such as for changes to escrow amounts or scheduled interest rate changes, the amount of my past due payments at the end of the Trial Period Plan could also change. C. TIME IS OF THE ESSENCE under this Agreement. This means I must make all required payments on or before the days that they are due. If I fail to make a required Trial Period Payment by the last day of the month in which it is due, Servicer will immediately terminate this Agreement without further notice. D. During the Trial Period, your Trial Period Payments will be held in suspense account until a sufficient sum is received by Servicer to apply a full payment under your current terms. Any payments will be applied first to the oldest payments due. If the Trial Period Plan Agreement is canceled and/or terminated for any reason, any remaining funds in this partial payment balance shall be credited towards your remaining obligation on the Loan and shall not be refunded. E. During the trial period, any pending foreclosure action or proceeding will be suspended (subject to court approval where applicable), but will not be dismissed and may be immediately resumed if I fail to comply with the terms of the Trial Period Plan. A new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will not be necessary to continue the foreclosure action. I waive all rights to receive such foreclosure notices to the extent permitted by applicable law. When Servicer accepts and posts a Trial Period payment during the Trial Period, it does not prejudice or waive the acceleration of the Loan or any foreclosure action and related activities and shall not cure my default under the Loan Documents, unless such payments completely cure my entire default under the Loan Documents. F. If the Servicer determines that I have submitted any false or misleading information or my representations in Section 1 were not, or are no longer, true and correct, this Agreement will terminate. In this event, the Servicer will have all of the rights and remedies provided by the Loan Documents, and any payment I make under this Agreement shall be applied to amounts I owe under the Loan Documents and shall not be refunded to me. G. The Agreement does not modify the Loan Documents. H. The Servicer will not be obligated to complete a Modification and Partial Claim if I fail to meet any one of the requirements under this Agreement, if I vacate the property or no longer continue to reside in the property as my primary residence, or if I am in default under the Loan Documents for any other reason other than not making payments (which will be cured at completion of this Agreement through the Modification and Partial Claim). 3. Modification At the successful completion of the Trial Period Plan, the Servicer will determine the final terms of the permanent loan Modification and/or Partial Claim amount which will be based on the total amount of my arrearages at that time plus allowable fees cost and expenses, in accordance with FHA requirements. If I comply with the requirements in Section 2, if my representations in Section 1 continue to be true and correct, and if I fulfill all my obligations in Section 4, the Servicer will send me the final documentation for a Modification and/or Partial Claim. I will execute and return the required documents to the Servicer. Upon acceptance by Servicer of the required documents, my default will be cured and my Loan will be fully reinstated. 4. Additional Agreements. I agree to the following: A. If my Loan has been discharged, or is subject to the automatic stay in any bankruptcy proceeding, this Agreement, and any documents required in connection with the Modification and Partial Claim, is to resolve the delinquency on the Loan that is a lien on the Property, and is not intended to impose personal liability for the Loan in violation of any bankruptcy or similar law. B. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless a borrower or co-borrower is deceased or the Servicer has waived this requirement in writing. C. If I am using Servicer's automatic payment service I will terminate this service an issue all payments directly to Servicer until my account is brought current or modified. The invalidity of any portion of this Agreement shall not affect any other portion of this Agreement. E. All terms and provisions of the Loan Documents remain in full force and effect. This Agreement does not modify, satisfy, or release all or part of the obligations contained in the Loan Documents. Servicer and I will be bound by, and will comply with, all of the terms and provisions of the Loan Documents. D II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill I II I I I llll llll I I II I I II Ill II Ill II Ill II Ill II Ill II Ill I IIII

12 F. At Servicer's request, I will execute any and all documentation deemed necessary by Servicer to correct any mistakes, errors or omissions in the terms and provisions of this Agreement or the Modification and Partial Claim. G. Servicer's offer to modify your mortgage is contingent upon Servicer's verification that the title to the subject property is free from any impermissible defect, encumbrance, unauthorized conveyance or any other irregularity. If a title search or any other information, indicates any title irregularity (such as any unauthorized conveyance or superior lien}, this Agreement and Servicer's offer to modify your mortgage may be immediately revoked without further notice II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill I II I I I IIII IIII I Ill II I II I I IIII I IIII I Ill II IIII I I II I I II Ill II Ill II Ill II Ill II Ill II Ill I l!ii

13 be void and can celed unless it is signed by each borrower and received by our office by As shown by the following signatures, I have agreed to this Agreement. Borrower Date t HIii 1111 t HI I IHI t HII I IIIH L...

14 TRIAL PERIOD PLAN AGREEMENT (FHA-HAMP Modification and Partial Claim) Trial Period Plan Effective Date: September 1, 2016 Borrower ("I"): Lender or Servicer ("Servicer"): Bank of America, N.A. Date of first lien Security Instrument ("Mortgage") and Note ("Note"): June 25, 2010 Loan Number: Property Address ("Property"): Spanaway, WA If I am in compliance with this Trial Period Plan Agreement (the "Agreement") and my representations in Section 1 continue to be true and correct in all material respects, and if the terms of this Agreement meet the guidelines of the Federal Housing Administration ("FHA"), Servicer will offer me a permanent loan modification ("Modification") and Partial Claim, as set forth in Section 3, that would bring my loan current under the terms of (1) the Mortgage or Deed of Trust on the Property and (2) the Note secured by the Mortgage or Deed of Trust. The Mortgage (or Deed of Trust) and Note together, as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined have the meaning given to them in the Loan Documents. If there is more than one Borrower or Mortgagor executing this document, each is referred to as "I". For purposes of this Agreement, words signifying the singular (such as "I" and "my") shall include the plural (such as "we" and "our'') and vice versa where appropriate. 1. My Representations. I certify, represent to Servicer, and agree: A. I am unable to afford my mortgage payments for the reasons indicated in my Hardship Affidavit and as a result (a) I am either in default or (b) I do not have sufficient income or access to repay any Past-Due Amount and/or to make my current monthly mortgage payments. B. As a condition to receiving loan assistance on my Loan, the Federal Housing Administration (FHA) requires that I successfully complete this Trial Period Plan. C. I live in the Property as my principal residence. The Property has not been condemned. I am committed to occupying the Property as my principal residence. D. There has been no change in the ownership of the Property since I signed the Loan Documents, except as previously approved by Servicer. E. I have provided Servicer with all financial information requested. However, I am not required to disclose any child support or alimony that I receive, unless I wish to have such income considered to qualify for this loss mitigation option. F. Under penalty of perjury, all documents and information I provided to Servicer in connection with my request for mortgage assistance, including the documents and information about my eligibility for this loss mitigation option are true and correct. G. If I received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the execution of the Loan Documents, I understand that I will not have personal liability on the debt pursuant to this Agreement. 2. The Trial Period Plan. On or before each of the following due dates, I will pay the Servicer the amount set forth below ("Trial Period Payment"), which includes payment for Escrow Items, including real estate taxes, insurance premiums, and certain other fees, if any, of US. $1, * I I 1 $1, September 1, 2016 t 2 $1, October 1, 2016 I 3 $1, November 1, 2016 The Trial Period Payment estimates the payment that will be required under the modified loan terms, which will be finalized in accordance with Section 3 below. During the full term of the Plan (the "Trial Period"), I understand and acknowledge that: II Ill II Ill II Ill II Ill II Ill II Ill II Ill I! II! II II! ! 1!1!1111 II !1 I IIII I Ill II IIII I I II I I II Ill II Ill II Ill II Ill II Ill II Ill I IIII

15 A. Beginning on September 1, 2016 and continuing on the same day of each month thereafter up to and including November 1, 2016, I will pay Servicer the amount of $1, Until my Loan is permanently modified, my normal monthly payment is still in effect If my normal monthly payment changes for any reason, such as for changes to escrow amounts or scheduled interest rate changes, the amount of my past due payments at the end of the Trial Period Plan could also change. C. TIME IS OF THE ESSENCE under this Agreement. This means I must make all required payments on or before the days that they are due. If I fail to make a required Trial Period Payment by the last day of the month in which it is due, Servicer will immediately terminate this Agreement without further notice. D. During the Trial Period, your Trial Period Payments will be held in suspense account until a sufficient sum is received by Servicer to apply a full payment under your current terms. Any payments will be applied first to the oldest payments due. If the Trial Period Plan Agreement is canceled and/or terminated for any reason, any remaining funds in this partial payment balance shall be credited towards your remaining obligation on the Loan and shall not be refunded. E. During the trial period, any pending foreclosure action or proceeding will be suspended (subject to court approval where applicable), but will not be dismissed and may be immediately resumed if I fail to comply with the terms of the Trial Period Plan. A new notice of default, notice of intent to accelerate, notice of acceleration, or similar notice will not be necessary to continue the foreclosure action. I waive all rights to receive such foreclosure notices to the extent permitted by applicable law. When Servicer accepts and posts a Trial Period payment during the Trial Period, it does not prejudice or waive the acceleration of the Loan or any foreclosure action and related activities and shall not cure my default under the Loan Documents, unless such payments completely cure my entire default under the Loan Documents. F. If the Servicer determines that I have submitted any false or misleading information or my representations in Section 1 were not, or are no longer, true and correct, this Agreement will terminate. In this event, the Servicer will have all of the rights and remedies provided by the Loan Documents, and any payment I make under this Agreement shall be applied to amounts I owe under the Loan Documents and shall not be refunded to me. G. The Agreement does not modify the Loan Documents. H. The Servicer will not be obligated to complete a Modification and Partial Claim if I fail to meet any one of the requirements under this Agreement, if I vacate the property or no longer continue to reside in the property as my primary residence, or if I am in default under the Loan Documents for any other reason other than not making payments (which will be cured at completion of this Agreement through the Modification and Partial Claim). 3. Modification At the successful completion of the Trial Period Plan, the Servicer will determine the final terms of the permanent loan Modification and/or Partial Claim amount which will be based on the total amount of my arrearages at that time plus allowable fees cost and expenses, in accordance with FHA requirements. If I comply with the requirements in Section 2, if my representations in Section 1 continue to be true and correct, and if I fulfill all my obligations in Section 4, the Servicer will send me the final documentation for a Modification and/or Partial Claim amount. I will execute and return the required documents to the Servicer. Upon acceptance by Servicer of the required documents, my default will be cured and my Loan will be fully reinstated. 4. Additional Agreements. I agree to the following: A. If my Loan has been discharged, or is subject to the automatic stay in any bankruptcy proceeding, this Agreement, and any documents required in connection with the Modification and Partial Claim, is to resolve the delinquency on the Loan that is a lien on the Property, and is not intended to impose personal liability for the Loan in violation of any bankruptcy or similar law. B. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless a borrower or co-borrower is deceased or the Servicer has waived this requirement in writing. C. If I am using Servicer's automatic payment service I will terminate this service an issue all payments directly to Servicer until my account is brought current or modified. D. The invalidity of any portion of this Agreement shall not affect any other portion of this Agreement. E. All terms and provisions of the Loan Documents remain in full force and effect. This Agreement does not modify, satisfy, or release all or part of the obligations contained in the Loan Documents. Servicer and I will be bound by, and will comply with, all of the terms and provisions of the Loan Documents.

16 F. At Servicer's request, I will execute any and all documentation deemed necessary by Servicer to correct any mistakes, errors or omissions in the terms and provisions of this Agreement or the Modification and Partial Claim. G. Servicer's offer to modify your mortgage is contingent upon Servicer's verification that the title to the subject property is free from any impermissible defect 1 en cum brance 1 unauthorized conveyance or any other irregularity. If a title search or any other information, indicates any title irregularity (such as any unauthorized conveyance or superior lien), this Agreement and Servicer's offer to modify your mortgage may be immediately revoked without further notice "'" "'" "'" rn,i

17 This Agreement will be void and can celed unless it is signed by each borrower and received by our office by September 30, As shown by the following signatures, I have agreed to this Agreement. Borrower Date II Ill II Ill II Ill II Ill I!'" II'" 111 I I! Ill! ""' "'II I UI I I Ill II IIII I I II I I II Ill II Ill II Ill II II...

18 Trial Period Mortgage Payment Coupons Your Trial Period Plan payments should be sent instead of -- not in addition to -- your regular monthly mortgage payments. You should also continue making payments in the amount of $1, until you receive confirmation from us that your assistance option has become permanent. Please detach and include with your second month's trial period mortgage payment: Spanaway, WA Loan Number: I have enclosed my trial period mortgage payment of $1, due 10/01/2016. Send your payment to: Bank of America, N.A. Payment Processing Dallas, TX Bank of America Home Loans Please detach and include with your first month's trial period mortgage payment (If you have already made your first month's trial period payment please disregard this coupon.): Spanaway, WA Loan Number: I have enclosed my trial period mortgage payment of $1, due 09/01/2016. Send your payment to: Bank of America, N.A. Payment Processing Dallas, TX Bank of America Home Loans II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill II Ill I II I I I llll llll I IIII I Ill II IIII I I II I I II Ill II Ill II Ill II Ill

19 Please detach and include with your third month's trial period mortgage payment: Spanaway, WA Loan Number: -- 1 have enclosed my trial period mortgage payment of $1, due 11/01/2016. Send your payment to: Bank of America, N.A. Payment Processing Dallas, TX Bank of America.,.. Home Loans !

20 Bank of America. Home Loans Customized Cover Sheet for your Financial Documentation Package It is important that you include this cover sheet with your FedEx or fax to help us track your document submission and expedite the handling of your package. Be sure to include your loan number on each page of each document, as well as the appropriate borrower's signature when applicable FedEx: If you would like to FedEx your documents back to us, please include this page in the FedEx envelope provided. Fax: If you would like to fax your documents back to us, please use this as your fax cover page. Fax to: Borrower: - Loan#: OrderlD: II Ill II Ill II Ill II II II I I II I I II Ill II Ill II Ill II Ill II Ill II Ill I IIII -