RECORDING REQUESTED BY: BAC Home Lone Serving LP [tn Hore Retention Divison: CAG-019-01-23 {00 Contry Way Si vay 93065 Loan 41450005, “FOR INTERNAL USE ONLY——~- LOAN MODIFICATION AGREEMENT (Fixed Interest Rate) “This Loon Modifiation Agreement "Agreement, made this &th day of March 2010, between TERI HA NGUYEN, and BAG Home Loans Servicing, LP (Lenden, amends and supplements (1) the Mortgage, Deed of Truck. or Deed to Secure Dat ihe Secu Instrument), dated the 30th day of September 2003 and inthe amount of $839,000.00 an (2) the Note eating the seme dale an, and secured by, the Securty Inetumont, which cover he eal and personal property deso-Bed ‘rine Securty Instument and defined train a nthe Property, locald at 12528 KOSICH PLACE, SARATOGA, CA ‘95070 ‘SAME AS IN SAID SEGURITY INSTRUMENT In consiteration of the mutual promises and agreements exchanged, he partes hereto agree as flows (nabatstanding anythin fo the conary cotained nthe Nowe or Secu Instrument} ‘As ofthe {st dey of May 2010, the amount payable under the Note or Securty Instrument (the “Unpaid Principal Balance") ‘8 Us. $857,520 81 corsstng of he amounts) leaned fo he Borower by the Londor which may neude, arena test, fry post due prncpal payments, neret- feos andlor coss caplatzed to date “The Borrower promites to pay the Unpaid Piscipal Salance, plus ifees, tthe oder ofthe Lender. interest wl be heiged onthe Unpaid Prinegel Balance at tho yearly rate ef 5.800% rom tho st cay of Apa 2010. The Borrower promises to make monly payments of principal and interest of US. $5,298.19 begining onthe tet day of May 2010, and entinuing horeatter onthe same day ofeach succeesing month unt principal and interest ae pad in ful. onthe 1 day ‘Gt Ocober 2033 (the "Matunty Data", the Borew sll ones amunte under tne Note and Secu Instrument, a5 mended by this Agreement, the Borrower wil pay thse amounts fl onthe Maturty Date 3 The Bortowor will make such payments al PO Box'518503, Los Angeles, CA 80051-8803 or at such oer place asthe Lender may equi, Nothing inthis epreement shall be understood o¢ construed lobe a satisfaction or lease in whole orn part ofthe Note and Secuiy Mstrument. Except ao thar epectialy proud inthis Agroamert, the Note and Secu nsiurent wl femnain unchanged, and ne Borrower and Londer willbe bound by, and comply wth, all terms and provsons there, 25 lamendod by tis Agreement 5 Inconsidertin of this Modifcation, Borawer agrees that any document related to the Securty Instrument, Note anor tModiteaton i ost, misplaced, misstated, inaccurately reflects the ue and correct tems and conditions ofthe loan as Imodifed ori cthervise missing, Borrowers) vl comply with Lendas roquost to execute, acknowledge, il and deliver {o Lender any documentation Lender deems necessary. I the orginal promissory nots replaced the Lender hereby {ndernifies the Borrower.) agsinat any les ascocsatod wth adamant on the orginal note. ll documents Lender requests ‘of Borrower(s) shal be refered io a8 Documents, Borower agrees to delver the Documents within fen (10) days ater receipt by Borrowers) ofa writen requast for cuch roplacement Notary Public - Calfornia raTeoF Soe ni ‘tomta Claro County cour “ a lark i MyCarm bereeer'7 2002 8 on 5-24-2010 see a \key Noy Poe, personaly appewes Tec ‘cep 0s. fe Bass satlacoyotcence) bate pezong whose name sare subscribed to epee nsesraana rea eyes ee rl azo aber ar aby Reipitessgnatucs jon te natura he perp. or ety opan Bea of whine prscrigh acted, erected te sume \WATNESS my hen ero se substi et Bankot America, HA, WA2 Lant —e45005 age tof 2