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201209877 the real property described being set forth as follows: LOT ONE (1), IN BLOCK ONE (1), IN CAPITAL HEIGHTS SUBDIVISION TO THE CITY OF GRANDISLAND,HALLCOUNTY,NEBRASKA. IMPORTANT: READ BEFORE SIGNiNG.THE TERMS OF THIS AGREEMENT SHOULD BE READ CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAIIVED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THI$AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT. NOTICE TO CONSUMER: 1.Do not sign this agreemeot before you read it 2.You are enNtled to a copy ot this agreemeot.3.You may prepa'y the unpaid balance at any time without penalty. In considera[ion of[he mutual promi�es and agreemen[s exchanged, the parties hereto agree as follows (nolwiths[anding any[hing[o[he conVary contained in[he No[e or Security Instrumen[): 1. As of OCTpBER 1, 2012, [he amo�n[ payable under the Note and the Security Instrument (the °New Principal Balance")is U.S.$138,289J4,consisting oFthe unpaid amount(s)loaned to Borrower by Lender plus any interes[and other amounts capitalized. 2. $27,299.90 of the New Principal Balance shall be deferred (the "Deferred Principal Balance") and Borrower will not pay interest or make monthly payments on[his amount. The new Principal Balance less the Deferted Principal Balance shall�be referred to as the "Interes[ Bearing Principal Balance" and this amoun[is$110,989.84. Interes[will be charged on the Interes[Bearing Principal Balance at a yearly ra[e of 4.6250% from OCTOBER 1, 2012. Borrower promises to make mon[hly payments of principal and interes[ of U.S. 5507.92 beginning on the IST day of NOVEMBER, 2012. Borrower will continue to make monthty payments on the same day of each succeeding month until principal and interes[are paid in full. If Sonower still owes arnoun[s under [he No[e and the Security Instrumen[, as amended by [his Agreement,Borrower will pay these amoun[s in full on the Ma[urity Date. The new Maturity Date wil]be OCTOBER 1,2052. 3. I agree to pay in full the Deferred Principal Balance and any other amoun[s still owed under the Note and Security InsWment by the earliest of: (i)the date T sell or transfer an interest in the Property,(ii)the date 1 pay the en[ire Interes[Bearing Principal Belance,or(iii)the new Maturity Date. 4. If I make a partial prepayment of Principal, the Lender may apply that partial prepayment firs[ to any Deferred Principal Balance before applying such partial prepayment to other amounts due. 5. If all or any part of the Property or any in[erest in the Property is sold or Vansferred(or if Borzower is no[ a na[ural person and a bene£cial interes[in Borrower is sold or Vansferced)withou[Lender's prior written consent,Lender may require immediate payment in full of all sums secured by the Security Instrument. � If Lender exercises this option,Lender shall give Borrower notice of accelera[ion.The no[ice shall provide a period of no[ less than 30 days from the date the no[ice is delivered or mailed within wMich Bomower must pay all sums secured by the Security instrument. If Borrower fails [o pay [hese sums prior to [he expiration of[his period, Lender may invoke any remedies permitted hy the Sewrity Instrumen[wi[hout further nodce or demand on Borrower. LOAN MODIFICATION AGREEMENT•Single Family-Fannie Mae Uniform WD12106.1 9Y02209839 Instrument Form 3179(�xed)/3162(step)(rev.01/09)08282012 87 FirstAmencan Mortgagc Services � Page 2