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X u� (:1 [Space Above This Line For Recording Data] Return Filed Documents To: I/West Gate Bank LOAN MODIFICATION AGREEMENT PO Box 6--7969 ipS5de Lincoln, NE 68506-7069 (Providing for Fixed Interest Rate) This Loan Modification Agreement ("Agreement"), made this day of between Gary L Krugman and Deborrah J Krugman ("Borrower") and West Gate Bank ("Lender"), amends and supplements (1) the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") dated July 29, 2015 and recorded as Instrument Number 201505160, of the 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 1121 W 6th Street Grand Island, NE 68801 (Property Address) the real property described being set forth as follows: Lot Five (5), Block Eighteen (18), Wallich's Addition to the City of Grand Island, Hall County, Nebraska 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 December 1, 2018, the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $111,624.80 consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 4.625%, from November 1, 2018. Borrower promises to make monthly payments of principal and interest of U.S. $510.83, current escrow (taxes and insurance) of U.S. $ 331.49 (amount subject to change due to future escrow analyses) for the new modified payment of U.S. $ 842.32 beginning on the 1st day of December, 2018 and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 4.625% will remain in effect until principal and interest are paid in full. If on November 1, 2058 (the "Maturity Date"), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without 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 acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by the Security Instrument. If Borrower fails to pay these sums prior LOAN MODIFICATION AGREEMENT—Single Family—Fannie Mae UNIFORM INSTRUMENT Form 3179 1/01 (rev. 4/14) (page 1 of 3) N CD CD CD s N s