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When recorded mail to: #:8147477 First American Title Loss Mitigation Title Services 1806.14 P.O. Box 27670 Santa Ana, CA 92799 RE: RITTER - ALTA ENDORSEMENT 201309499 If Applicable: MERS MIN: 100112065747862957 MERS Phone: 1- 888 - 679 -6377 Prepared by: Cynthia L Lindsay Office: CitiMortgage, Inc. 1000 Technology Drive O'Fallon, MO 63368 Loan # 2004673170 LOAN MODIFICATION AGREEMENT (PROVIDING FOR FIXED INTEREST RATE /CAPITALIZATION) This Loan Modification Agreement ( "Agreement "), made July 6, 2012, between MICHAEL A RITTER, single ( "Borrower ") residing at 1411 PARK AVE, GRAND ISLAND, NE 68803 -3046, and CitiMortgage, Inc. ( "Lender ") If Applicable: follow with successor by reason of merger with N/A and amends and supplements (1) the Mortgage, Deed of Trust, or Deed to Secure Debt (the "Security Instrument ") dated 08/17/07 and recorded on 08/27/07, Document number 200707348 , Book number na, Page na in the Official Records of HALL County, Nebraska and (2) the Note bearing the same date as, and secured by the Security Instrument , which covers the real and personal property described in the Security Instrument and defined therein as the "Property ", located at 1411 NORTH PARK AVENUE, GRAND ISLAND NE, 68803 the real property described as being set forth as follows: If not recording remove reference to described as being set forth as follows, see attached legal description. Specialist should enter language: as per your original loan documents. In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of 07/06/12, the amount payable under the Note and Security Instrument (the "Unpaid Principal Balance ") is U.S. $ 89,555.77. The Borrower acknowledges that interest has accrued but has not been paid and the Lender has incurred, paid or otherwise advanced taxes, insurance premiums and other expenses necessary to protect or enforce its interest in the Note and the Security Instrument, and that such interest, costs and expenses in the total amount of $ 3,636.34, have been added to the indebtedness under the terms of the Note and Security Instrument and the loan re- amortized over 360 months. When payments resume on 08/01/12, the New Unpaid Principal Balance will be $ 93,192.11. Flew goon ig3 2. The Borrower promises to pay the New Unpaid Principal Balance, plus Interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 3.875 % effective 07/01/12 (the "Interest Change Date "). The Borrower promises to make monthly payments of principal and interest of U.S. $ 438.22 (which does not include and amounts required for Insurance and/or Taxes) beginning on 08/01/12 and continuing thereafter on the same date of each succeeding month until principal and interest are paid in full. If on 07/01/42 (the "Maturity Date "), the Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, the Borrower will pay those amounts in full on the Maturity Date. All other terms stated in the Note remain the same. 3. If all or any part of the property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may, at its option, require immediate payment in full of all sums secured by the Security Instrument. Page 1 (SEE ATTACHED LEGAL DESCRIPTION)