; (B) that the forbearance under the CARES Act does not terminate the borrower’s obligation to make payments due under the mortgage; (C) that borrower will owe any mortgage arrearages that accrue during the forbearance under the CARES Act; (D) explaining the renter protections under section subsection (d) of section 4023 of the CARES Act and the prohibitions under subsection (e) of such section; and (E) that borrowers are encouraged to contact their mortgage servicer if they are having trouble making payments due under their mortgage. (3) Exemption A servicer shall not be required to send notice pursuant to paragraph (1) to any multifamily borrower who has previously requested forbearance under subsection (b). . 4. Model notices (a) Development Not later than the expiration of the 7-day period beginning on the date of the enactment of this Act, the Secretary of Housing and Urban Development, the Secretary of Agriculture, the Secretary of Veterans Affairs, and the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation, at the direction of the Director of the Federal Housing Finance Agency, shall jointly establish notices that are sufficient to comply with the requirements of sections 4022(d) and 4023(f) of the CARES Act, as added by the amendments made by sections 2 and 3 of this Act, respectively. (b) Availability Such agency heads and entities shall take such actions as may be necessary— (1) to publicize the availability of such notices to servicers of a Federally backed mortgage loans and Federally backed multifamily mortgage loans; and (2) to make such notices publicly and widely available for use by servicers of a Federally backed mortgage loans and Federally backed multifamily mortgage loans.