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SunTrust Bank VA-RVW-3434

P.O. Box 85041 Richmond, VA 23286-9072

0000021500002157758935

Extension of Payment Agreement

The undersigned (“Borrowers”), jointly and severally (if more than one signer below), are indebted to Truist Bank, successor by

merger to SunTrust Bank, (“Lender”) as evidenced by an instrument, or Note, dated May 19, 2019, as may have been amended or

rescheduled from time to time, together with all other agreements or security documents executed in connections with that

indebtedness, (“the Loan”), which Loan has been assigned the account number: 21500002157758935. Borrowers request that

Lender change the payment schedule for Borrowers’ Loan. All terms and conditions of the Loan not inconsistent herewith shall

remain in full force and effect, including, but not limited to Lenders’ right to assign its rights under the Loan. This Agreement is an

extension only and not a new contract. To the extent that any provision of this Agreement conflicts with any term or condition of the

Loan, the provisions of this Agreement will supersede and control. The validity, priority, and enforceability of the Loan will not be

impaired by this Agreement. Borrowers acknowledge, affirm and agree that (1) there are no claims, setoffs, defenses, or rights to

claims, setoff, or defenses to payment of the Loan; (2) SunTrust is not in breach of the Loan in any manner whatsoever; and (3)

although Lender may have accepted late payments in the past, it will no longer accept late payments. Borrowers authorize Lender to

modify all automatic payment or debit schedules and payments amounts, if applicable, to conform to the terms of this Agreement. As

further consideration for this Agreement, Borrowers may be required to pay Lender a processing fee, which is a charge for Lender’s

expenses in rescheduling the loan payments and is not a penalty. Borrowers acknowledge receiving a copy of the Agreement and

acknowledge that they are entering into this Agreement freely and willingly.

If you have purchased an insurance policy, debt cancellation agreement or other service contract financed with the Loan, coverage for

this policy may not extend into the revised maturity date of your Loan. Please contact the provider or refer to your insurance policy,

service contract or other documentation for coverage information.

By deferring the above-referenced payment(s), your Loan will be brought to a current status and the deferred payment(s) are added to

the end of your Loan contract, thereby extending the final maturity date. Interest on your loan will continue to accrue on a daily basis

in accordance with the original terms and conditions of the Loan, so deferring the payment(s) will result in additional interest and a

potentially higher final payment amount. This means that you may pay more in finance charges than originally disclosed in your Loan

agreement. Any fees outstanding as of the date of this agreement are not waived and will continue to be due to Lender. Any late

payments, missed payments, or other defaults on your account that may be reflected in your credit report as of the date of this

agreement will remain on the account and continue to be reported to the applicable credit bureaus.

Upon receipt of this signed Agreement and a processing fee of $0.00, the next payment due date and the final maturity date of your

Loan will be modified as follows:

 The Payment(s) being deferred: 3

 The Loan maturity date is extended to: 9/3/2025

 The next payment on the Loan is due on: 7/3/2020

Agreement void if not received within 15 days of April 10, 2020.

Please return to the following address: Please return to the following fax:

SunTrust Bank 804-787-9931

Attn: DABSS – General Support – VA-RVW-3434

P.O. Box 85041

Richmond, VA 23286

Truist Bank

Agent: uvrm99

Approved by: ______________________________ Date:______________________________

Reason for Extension: NATURAL DISASTER COVID-19

Borrower: JAIME A HIRAETA Co-Borrower:

Signature and Date Signature and Date

IMPORTANT FEDERAL DISCLOSURES

(SEE NEXT PAGE FOR SELECTED STATE DISCLOSURES)

 The Servicemembers Civil Relief Act (SCRA) provides important financial and legal protections to service

members — including caps on interest rates, stays of certain legal proceedings, protection from eviction,

and termination of leases without repercussions. Learn more at www.militaryonesource.mil [search for

“SCRA”].

 Whether you are trying to ward off a potential financial crisis, or just looking for education classes to

increase your financial knowledge, consider contacting an accredited nonprofit agency that is a member of

the National Foundation for Credit Counseling (NFCC). To locate an NFCC Member Agency in your area,

call 800-388-2227.

 If an amount due is indicated, because of interest, late charges, and other that may vary from day to day, the

amount due on the day you pay may be greater. Hence, if you pay the amount shown, an adjustment may be

necessary after we receive your check, in which event we will inform you before depositing the check for

collection. For further information, contact us at the number provided.

 This communication is an attempt to collect a debt and any information you provide, whether written

or verbal, will be used for that purpose. However, if your debt is discharged in bankruptcy or you are

protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be

liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice

purposes only.

If you are current on your loan account, the notice above is not intended to imply otherwise.

 The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit

applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided 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 the Bureau of Consumer Financial Protection, 1700

G Street NW, Washington DC 20006.

 We may report information about your account to credit bureaus. Late payments, missed payments, or other

defaults on your account may be reflected in your credit report.

SELECTED STATE DISCLOSURES

(SEE PREVIOUS PAGE FOR IMPORTANT FEDERAL DISCLOSURES)

If you are a California resident or your property is in California, the following may apply to you.

 As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be

submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.

If you are a resident of Ohio or your property is in Ohio, the following may apply to you.

 The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy

customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.

The Ohio Civil Rights Commission administers compliance with this law.

If you are a Texas resident or your property is in Texas, the following may apply to you.

 Assert and protect your rights as a member of the armed forces of the United States. If you are or your

spouse is serving on active military duty, including active military duty as a member of the Texas

National Guard or the National Guard of another state or as a member of a reserve component of the armed

forces of the United States, please send written notice of the active duty military service to the sender of

this notice immediately.

 FINANCE CHARGES WILL CONTINUE TO ACCRUE ON THE UNPAID BALANCE AT THE CONTRACT

RATE. BY DEFERRING ONE OR MORE INSTALLMENTS, YOU WILL PAY MORE FINANCE CHARGES

THAN ORIGINALLY DISCLOSED.

If you are a Utah resident or your property is in Utah, the following may apply to you.

 As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may

be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

If you are a Wisconsin resident or your property is in Wisconsin, the following may apply to you.

 No provisions of a marital property agreement, a unilateral statement under Section 766.59, or a court decree

under Section 766.70, adversely affects the interest of the creditor unless the creditor, prior to the time credit is

granted, is furnished a copy of the agreement, statement or decree, or has knowledge of the adverse provision

when the obligation to the creditor is incurred.

JAIME A HIRAETA

9863 EMERALD BERRY DR

WINTER GARDEN, FL 34787