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200006854 Instrument, including without limitation, the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the date specified in paragraph No. 1 above: (a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note; and (b) all terms and provisions of any adjustable rate rider or other instrument or document that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agreement, the Note and Security Instrument will remain unchanged and the Borrower and Lender will be bound by, and comply with, all of the terms and provisions thereof, as amended by this Agreement. As evidenced by their signatures below, the Borrower and the Lender agree to the foregoing. BORROWER (),;-es A. Encinger LEY& De ora L. Encinger GMAC MORTGAGE CORPORATION: 4��f--'� Wes Mee, Vice resident Dated: q —) Lx- Dated: 4 '4 J - Lo-� Dated: r [Space Below This Line For Acknowledgments] fl 11-NM M M -ftb of Nebraska AMY L WIESE * Comm. Jea.14, 2004 LOAN MODIFICATION AGREEMENT -- Single Family -- Fannie Mae Uniform Instrument Form 3179 2/88