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<br />DEED OF TRUST MODIFICATION AGREEMENT
<br />(Variable Rate to Fixed)
<br />THIS DEED OF TRUST MODIFICATION AGREEMENT made and executed this
<br />4TH day of OCTOBER, 2001, by and between SHEILA R HULME A SINGLE PERSON
<br />cy
<br />hereinafter referred to as `Borrower ", and HOME FEDERAL SAVINGS AND LOAN
<br />ASSOCIATION OF GRAND ISLAND, hereinafter referred to as "lender ",
<br />WITNESSETH:
<br />WHEREAS, Borrower did execute a certain Adjustable Rate Note payable to the order of
<br />the Lender in the total original amount of TWENTY THREE THOUSAND AND NO /100
<br />Dollars ($22,. 00.00);
<br />WHEREAS, the Note described above was secured by a Deed of Trust with Adjustable
<br />Rate Rider dated NOVEMBER 10, 1995, filed of record in the Office of the Hall County
<br />Register of Deeds on NOVEMBER 16, 1995 as Document No. 95- 107896 in respect to that
<br />real estate described as:
<br />LOT 8 BLOCK 145 UNION PACIFIC RAILWAY COS SECOND ADDITION TO THE CITY
<br />OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />WHEREAS, Borrower has requested that interest be converted to a fixed rate rather than
<br />the variable rate specified by such Deed of Trust with Adjustable Rate Rider and that the stated
<br />maturity date be also hereby modified;
<br />WHEREAS, Lender is willing to convert such variable rate loan into a fixed rate loan to
<br />be secured by such Deed of Trust with Adjustable Rate Rider and modify the existing maturity
<br />date;
<br />WHEREAS, Borrower and Lender hereby desire to amend the existing Deed of Trust
<br />with Adjustable Rate Rider identified hereinabove to provide that it shall continue to secure the
<br />presently remaining indebtedness from and after the date hereinafter specified together with a
<br />fixed rate of interest rather than a variable rate as originally set forth in such Adjustable Rate
<br />Rider;
<br />NOW, THEREFORE, it is agreed:
<br />1. Interest Rate and Maturity Modification. Commencing effective NOVEMBER 1
<br />2001, the indebtedness secured by the Deed of Trust with Adjustable Rate Rider hereinabove
<br />identified shall accrue interest at a fixed rate of SEVEN & THREE FOURTHS percent
<br />(7.75 %) throughout the remaining term of such indebtedness and, notwithstanding the provisions
<br />contained in the Adjustable Rate Rider, there shall be no further adjustments to such interest
<br />rate. The final maturity of such indebtedness as modified, secured by such Deed of Trust shall
<br />be OCTOBER 1, 2011, notwithstanding any other date of maturity which may have been
<br />specified in the Deed of Trust hereinabove identified.
<br />2. Continuing Effect. Except as specifically modified by this Deed of Trust
<br />Modification Agreement, all other terms and provisions of this Deed of Trust with Adjustable
<br />Rate Rider hereinabove identified shall remain in full force and effect.
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<br />DEED OF TRUST MODIFICATION AGREEMENT
<br />(Variable Rate to Fixed)
<br />THIS DEED OF TRUST MODIFICATION AGREEMENT made and executed this
<br />4TH day of OCTOBER, 2001, by and between SHEILA R HULME A SINGLE PERSON
<br />cy
<br />hereinafter referred to as `Borrower ", and HOME FEDERAL SAVINGS AND LOAN
<br />ASSOCIATION OF GRAND ISLAND, hereinafter referred to as "lender ",
<br />WITNESSETH:
<br />WHEREAS, Borrower did execute a certain Adjustable Rate Note payable to the order of
<br />the Lender in the total original amount of TWENTY THREE THOUSAND AND NO /100
<br />Dollars ($22,. 00.00);
<br />WHEREAS, the Note described above was secured by a Deed of Trust with Adjustable
<br />Rate Rider dated NOVEMBER 10, 1995, filed of record in the Office of the Hall County
<br />Register of Deeds on NOVEMBER 16, 1995 as Document No. 95- 107896 in respect to that
<br />real estate described as:
<br />LOT 8 BLOCK 145 UNION PACIFIC RAILWAY COS SECOND ADDITION TO THE CITY
<br />OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />WHEREAS, Borrower has requested that interest be converted to a fixed rate rather than
<br />the variable rate specified by such Deed of Trust with Adjustable Rate Rider and that the stated
<br />maturity date be also hereby modified;
<br />WHEREAS, Lender is willing to convert such variable rate loan into a fixed rate loan to
<br />be secured by such Deed of Trust with Adjustable Rate Rider and modify the existing maturity
<br />date;
<br />WHEREAS, Borrower and Lender hereby desire to amend the existing Deed of Trust
<br />with Adjustable Rate Rider identified hereinabove to provide that it shall continue to secure the
<br />presently remaining indebtedness from and after the date hereinafter specified together with a
<br />fixed rate of interest rather than a variable rate as originally set forth in such Adjustable Rate
<br />Rider;
<br />NOW, THEREFORE, it is agreed:
<br />1. Interest Rate and Maturity Modification. Commencing effective NOVEMBER 1
<br />2001, the indebtedness secured by the Deed of Trust with Adjustable Rate Rider hereinabove
<br />identified shall accrue interest at a fixed rate of SEVEN & THREE FOURTHS percent
<br />(7.75 %) throughout the remaining term of such indebtedness and, notwithstanding the provisions
<br />contained in the Adjustable Rate Rider, there shall be no further adjustments to such interest
<br />rate. The final maturity of such indebtedness as modified, secured by such Deed of Trust shall
<br />be OCTOBER 1, 2011, notwithstanding any other date of maturity which may have been
<br />specified in the Deed of Trust hereinabove identified.
<br />2. Continuing Effect. Except as specifically modified by this Deed of Trust
<br />Modification Agreement, all other terms and provisions of this Deed of Trust with Adjustable
<br />Rate Rider hereinabove identified shall remain in full force and effect.
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