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20�201204 THIS AGREEMENT (the "Agreement"), effective as of the Effective Date above, is made by and among the Subordinating Lender, Owners and the Senior Lender named above. VIRGIL D. HARDEN AND NATALIE D. HARDEN, HUSBAND AND WIFE (individually and collectively the "Owner") own the real property located at the above Property Address (the "Property"). The Subordinating Lender has an interest in the Property by virtue of a Short Form Open-End Deed of Trust (the "Existing Security Instrument") given by the Owner, covering that real properly, more particularly described as follows: See Exhibit A which document is dated the 18th day of March , 2011, which was filed in Document ID# 201102465 at page N/A (or as No. N/A) of the Records of the Office of the Register of Deeds of the County of HALL, State of Nebraska. The Existing Security Instrument secures repayment of a debt evidenced by a note or a line of credit agreement extended to VIRGIL D HARDEN, NATALIE D HARDEN (individually and collectively "Borrower") by the Subordinating Lender. The Senior Lender has agreed to make a new loan or amend an existing loan in the original principal amount NOT to exceed $146,250.00 (the "New Loan or Amended Loan"), provided that the New Loan or Amended Loan is secured by a first lien mortgage on the Property (the "New Security Instrument") in favor of the Senior Lender. If the New Loan or Amended Loan exceeds this amount, the Subordination Agreement is VOID. The Subordinating Lender is willing to subordinate the lien of the Existing Security Instrument to the lien of the New Security Instrument under the terms set forth in this Agreement. NOW, THEREFORE, for and in consideration of the above recitals, the covenants herein contained, and for good and valuable consideration, the receipt of which is hereby acknowledged, the parties agree as follows: A. Agreement to Subordinate Subordinating Lender and Trustee, if applicable, hereby subordinates the lien of the Existing Security Instrument, and all of its modifications, extensions and renewals, to the lien of the New Security Instrument. This Agreement is effective as to any sum whose repayment is presently secured or which may in the future be secured by the Existing Security Instrument. B. Agreement to Change Credit Limit Change in Line of Credit Agreement The Subordinating Lender's agreement to suboedinate is conditioned on the reduction in the Borrower's revolving Line of Credit from $20,000.00 to $10,000.00. By signing this Agreement below, the Borrower agrees to this change. Change in Security Interest The lien evidenced by the Existing Security Instrument is hereby reduced from $20,000.00 to $10,000.00. SUBMOD NE 10-25-10 Page 2 of 6 0000000000409203