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"Member" shall refer to Exchange Bank <br />located at 1204 Allen Drive, Grand Island, NE 68802 <br />"Borrower(s)" shall refer to Cody Joe McDowell <br />respect to certain real property located at 536 Ivy Hall Ct, Grand Island, NE 68801 <br />in the City/Town of Grand Island , County of Hall <br />or, fax copy to: <br />Return this recorded document to: <br />REAL ESTATE RETENTION AGREEMENT <br />This Real Estate Retention Agreement (the "Agreement ") is made, entered into and effective on the date <br />of its execution by the last of the parties hereto to execute the same (the "Effective Date "). <br />For purposes of this Agreement, the following terms shall have the meanings set forth in this document: <br />"FHLBank" shall refer to Federal Home Loan Bank of Topeka, located at 500 SW Wanamaker, Topeka, <br />KS 66606. <br />(FHLBank's Member), <br />For and in consideration of receiving direct subsidy funds in this amount: <br />Five Thousand Dollars <br />($ 5,000.00 ) (the "Subsidy") under the Affordable Housing Program (the "AHP "), in <br />accordance with 12 U.S.C. 1430(j), 12 CFR Part 1291, and the AHP Implementation Plan (the "Rules "), with <br />State of Nebraska <br />Page 1 of 3 Revised: January 17, 2018 <br />