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20140811 Prior instrument reference: Recorded on MARCH 3, 1999 in INSTRUMENT NO. 99- 102302, of the Official Records of HALL COUNTY, NEBRASKA If my representations in Section 1 continue to be true in all material respects, then this Second Lien Modification Agreement will, as set forth in Section 3, amend and supplement (1) the Mortgage on the Property, and (2) the Note secured by the Mortgage. The Mortgage and Note together, as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms used in this Agreement and not defined have the meaning given to them in the Loan Documents. I understand that after I sign and return two copies of this Agreement to the Lender, the Lender will send me a signed copy of this Agreement. This Agreement will not take effect unless the preconditions set forth in Section 2 have been satisfied. 1. My Representations. I certify, represent to Lender, and agree: A. I am experiencing a financial hardship, and as a result, (i) I am in default under the Loan Documents, and (ii) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future; B. There has been .no change in the ownership of the Property since I signed the Loan Documents; C. I have provided documentation for all income that I receive; D. Under penalty of perjury, all documents and information I have provided to Lender in connection with this Agreement, including the documents and information regarding my eligibility for the Program, are true and correct; E. If Lender requires me to obtain credit counseling in connection with the Program, I will do so; and F. I have made or will make all payments required under a Trial Period Plan or Loan Workout Plan. 2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that: A. TIME IS OF THE ESSENCE under this Agreement; B. If prior to the Modification Effective Date as set forth in Section 3 the Lender determines that my representations in Section 1 are no longer true and correct, the Loan Documents will not be modified and this Agreement will terminate. In this event, the Lender will have all of the rights and remedies provided by the Loan Documents; and C. I understand that the Loan Documents will not be modified unless and until (i) I receive from the Lender a copy of this Agreement signed by the Lender, and (ii) the Modification Effective Date (as defined in Section 3) has occurred. I further understand and agree that the Lender will not be obligated or bound to make any modification of the Loan Documents if I fail to meet anyone of the requirements under this Agreement. 3. The Modification. If my representations in Section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on DECEMBER 1, 2014 (the "Modification Effective Date ") The Loan Documents will be modified and the first modified payment will be due on JANUARY 1, 2015. US Bank Custom Program 10 2nd Lien Loan Modification 01142014_102 2900187442 First American Mortgage Services Page 2