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Record and Return to Central National Bank PO Box 40 Superior, NE 68978^09% LOAN MODIFICATION AGREEMENT FHA Case No.: 321-3502737-703 MIN: 1006818-0451604834-4 MERS Phone: 1-(888) 679-MERS co til CD CT) CD This agreement, made this 15th day of May, 2020, between Jacob A Harris, and Salena M Harris, husband and wife hereinafter referred to as Borrower(s), and Central National Bank, hereinafter referred to as Lender, and Mortgage Electronic Registration Systems, Inc. ("MERS") (solely as nominee for Lender and Lender's successors and assigns), the beneficiary of record under the security instrument referenced below P.O. Box 2026, Flint, Michigan 48501-2026: WITNESSETH: Whereas the Borrowers are now indebted to the lender in the sum of Ninety Eight Thousand Six Hundred Thirty Seven Dollars and Eighteen Cents ($98,637.18) (hereinafter called "new principal amount"), consisting of unpaid principal, unpaid interest, unpaid installments of ground rents, hazard insurance premiums, taxes, assessments and mortgage insurance premiums, the payment of which is secured by a note and security instrument owned and held by the Trustee, dated August 23, 2016, and recorded in the office for recording of deeds in Hall County and State of Nebraska, as Instrument 201605458. The Security Instrument, which was entered into as security for the performance of the Note, encumbers the real and personal property described in the Security Instrument (and defined in the Security Instrument as the "Property"), which is located at 928 Pleasant View Dr, Grand Island, Nebraska. That real property is described as follows: THE NORTHERLY SEVENTY FEET (N70') OF LOT THIRTEEN (13), IN BLOCK ONE (1), PLEASANT VIEW ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. A.P.N. #40078953 Whereas the parties mutually desire to modify the terms of payment of said indebtedness by changing the amount of monthly payments required on said note and security instrument; NOW, THEREFORE, in consideration of the covenants hereinafter contained, it is mutually agreed as follows: The Borrower(s) agree to pay the "new principal amount" with interest at the rate of 3.5% on the unpaid balance in monthly installments of Four Hundred Forty Two Dollars and Ninety Three Cents ($442.93) commencing the first day of June, 2020 and on the first day of each month thereafter until the "new principal amount" and interest thereon are fully paid, except that final payment of the "new principal amount" and interest if not sooner paid, shall be due and payable on the first day of May, 2050. It is mutually agreed that said security instrument shall continue a first lien upon the premises and that neither the obligation evidencing the aforesaid indebtedness nor the Page 1 of 3