AmeriNational CSA Amendment No. 2

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If the loan is not reinstated (brought current) or paid off, AmeriNat will continue foreclosure up to and including the sale of the property. If the Client desires AmeriNat to perform property management, a third-party property management vendor will be engaged. AmeriNat can identify, track and pay bills related to property preservation, the costs of which remain the responsibility of the Client. Upon sale of the property, AmeriNat will return the proceeds of the sale to the Client less foreclosure fees and previously un-reimbursed costs incurred. In the event the borrower reinstates the loan, AmeriNat will remit to the Client payments received from the borrower. For those loans that are reinstated by the borrower, AmeriNat will resume normal servicing functions. Bankruptcy Administration Services 1. Chapter 7 Bankruptcy: a. Upon receipt of notification from a court of law, debtor (borrower), or the Client, of a Chapter 7 bankruptcy for a debtor serviced by AmeriNat, AmeriNat will modify the account in preparation for monitoring of payments. Additionally, a Reaffirmation Agreement will be generated and forwarded to the borrower’s attorney (debtor’s counsel) for signature, and to the appropriate court upon receipt of the executed document. This fully enforceable agreement, if executed, will retain the lien as secured and will keep the lien from being discharged as part of the Chapter 7 discharge. If the borrower has no legal counsel and has filed their bankruptcy petition "pro se", (on their own behalf) or with the assistance of a licensed paralegal, AmeriNat can communicate directly with the borrower. b. Upon default of borrower’s remittance of payments during the bankruptcy, AmeriNat will notify the borrower’s (debtor’s) counsel and Chapter 7 Trustee advising of the default, but if filed pro se, then the debtor would be notified directly. c. Should the Chapter 7 Trustee determine that assets are available for distribution to creditors, AmeriNat will file a Proof of Claim on behalf of the Client. 2. Chapter 13 Bankruptcy: a. Upon receipt of notification from a court of law, debtor (borrower), or the Client, of a Chapter 13 bankruptcy for a debtor serviced by AmeriNat, AmeriNat will notify the Client of its intention to file a Proof of Claim as well as supporting bankruptcy documentation and will file with the appropriate court. Upon receipt of a returned filed Proof of Claim from the court, AmeriNat will forward a copy of the same to the Client and will begin monitoring post and pre-petition payments to borrower’s loan account. b. Upon default of borrower in the remittance of post-petition payments, AmeriNat will notify the borrower’s (debtor’s) counsel of the default, instructing that further default will result in the filing of a Motion for Relief. If the borrower has no legal counsel and has filed their bankruptcy petition "pro se", (on their own behalf) or with the assistance of a licensed paralegal, AmeriNat can communicate directly with the borrower. In addition, notification of the default will be forwarded to the Trustee’s office. Should there be a continued default in post-petition payments, and at the Docusign Envelope ID: 2B617463-847A-4D49-A35E-F34CFC91F6B8