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This Loan Modification Agreement ( "Agreement "), made this November 1, 2001, between GENE GRAVES, and 1�1�
<br />BARBARA A. GRAVES, HUSBAND AND WIFE (`Borrower "), and Wells Fargo Bank Nebraska, N.A. fka
<br />Norwest Bank Nebraska, N.A. fka The Overland National Bank of Grand Island ( "Lender "), amends and
<br />supplements (1) the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument "),dated December 8, 1993
<br />and recorded in Document No.93- 110666, of the Official Records of Hall County, NE, and (2) the Note bearing the
<br />same date as, and secured by, the Security Instrument, which covers the real and personal property described in the
<br />Security Instrument and defined therein as the "Property", located at 1711 STUHR ROAD, GRAND ISLAND, NE
<br />68801, the real property described being set forth as follows:
<br />• TRACT OF LAND IN THE SW 1/4 OF SECTION 23, TI IN, R9W OF THE 6TH P.M., BEING ALSO
<br />• PORTION OF GOVERNMENT LOT 1 OF THE MAINLAND DESCRIBED AS FOLLOWS:
<br />BEGINNING AT A POINT ON THE WEST LINE OF SAID SECTION 23, 423 FEET NORTH OF THE
<br />SOUTHWEST CORNER OF SAID SECTION, THIS POINT ALSO BEING ON THE CENTERLINE OF
<br />THE WOOD RIVER CHANNEL AS DESCRIBED ON EXHIBIT "A" ATTACHED TO AND MADE A
<br />PART OF THE WARRANTY DEED FILED FOR RECORD IN THE OFFICE OF THE REGISTER OF
<br />DEEDS OF HALL COUNTY, NEBRASKA, ON NOVEMBER 13, 1959, RECORDED IN BOOK 128 OF
<br />DEEDS AT PAGE 447: THENCE, NORTHERLY ON THE SECTION LINE A DISTANCE OF 971.9
<br />FEET: THENCE, AT AN ANGLE OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 88.5 FEET:
<br />THENCE, AT AN ANGLE OF 90 DEGREES TO THE LEFT, A DISTANCE OF 19.4 FEET: THENCE
<br />AT AN ANGLE OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 140.5 FEET: THENCE, AT AN
<br />ANGLE OF 90 DEGREES TO THE LEFT, A DISTANCE OF 252.2 FEET: THENCE, AT AN ANGLE
<br />OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 580 FEET MORE OR LESS TO THE
<br />CENTERLINE OF THE WOOD RIVER CHANNEL: THENCE UPSTREAM ON THE CENTERLINE
<br />OF SAID CHANNEL TO THE POINT OF BEGINNING.
<br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows
<br />(notwithstanding anything to the contrary contained in the Note or Security Instrument):
<br />1. As of November 1, 2001, the amount payable under the Note and the Security Instrument (the
<br />"Unpaid Principal Balance ") is U.S. $215,930.42, consisting of the amount(s) loaned to Borrower by
<br />Lender and any interest capitalized to date.
<br />2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender.
<br />Interest will be charged on the Unpaid Principal Balance at the yearly rate of 7.125 %, from November 1,
<br />2001. Borrower promises to make monthly payments of principal and interest of U.S. $2,696.40, beginning
<br />on December 1, 2001, and continuing thereafter on the same day of each succeeding month until principal
<br />and interest are paid in full. If on November 1, 2006, (the "Maturity Date "), Borrower still owes amounts
<br />under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these
<br />amounts in full on the Maturity Date.
<br />Borrower will make such payments at Wells Fargo Home Mortgage, Inc., 1 Home Campus, Des
<br />Moines, Iowa 50328 -0001 or at such other place as Lender may require.
<br />3. If all or any part of the Property or any Interest in the Property is sold or transferred (or if
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<br />PREPARED BY AND RETURN TO:
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<br />Echevarria & Associates, P.A.
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<br />ATTN: Kim Poirier
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<br />Loan Number: 2394652
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<br />File Number: M01012687
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<br />LOAN MODIFICATION AGREEMENT
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<br />(Providing for Fixed Interest Rate)
<br />This Loan Modification Agreement ( "Agreement "), made this November 1, 2001, between GENE GRAVES, and 1�1�
<br />BARBARA A. GRAVES, HUSBAND AND WIFE (`Borrower "), and Wells Fargo Bank Nebraska, N.A. fka
<br />Norwest Bank Nebraska, N.A. fka The Overland National Bank of Grand Island ( "Lender "), amends and
<br />supplements (1) the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument "),dated December 8, 1993
<br />and recorded in Document No.93- 110666, of the Official Records of Hall County, NE, and (2) the Note bearing the
<br />same date as, and secured by, the Security Instrument, which covers the real and personal property described in the
<br />Security Instrument and defined therein as the "Property", located at 1711 STUHR ROAD, GRAND ISLAND, NE
<br />68801, the real property described being set forth as follows:
<br />• TRACT OF LAND IN THE SW 1/4 OF SECTION 23, TI IN, R9W OF THE 6TH P.M., BEING ALSO
<br />• PORTION OF GOVERNMENT LOT 1 OF THE MAINLAND DESCRIBED AS FOLLOWS:
<br />BEGINNING AT A POINT ON THE WEST LINE OF SAID SECTION 23, 423 FEET NORTH OF THE
<br />SOUTHWEST CORNER OF SAID SECTION, THIS POINT ALSO BEING ON THE CENTERLINE OF
<br />THE WOOD RIVER CHANNEL AS DESCRIBED ON EXHIBIT "A" ATTACHED TO AND MADE A
<br />PART OF THE WARRANTY DEED FILED FOR RECORD IN THE OFFICE OF THE REGISTER OF
<br />DEEDS OF HALL COUNTY, NEBRASKA, ON NOVEMBER 13, 1959, RECORDED IN BOOK 128 OF
<br />DEEDS AT PAGE 447: THENCE, NORTHERLY ON THE SECTION LINE A DISTANCE OF 971.9
<br />FEET: THENCE, AT AN ANGLE OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 88.5 FEET:
<br />THENCE, AT AN ANGLE OF 90 DEGREES TO THE LEFT, A DISTANCE OF 19.4 FEET: THENCE
<br />AT AN ANGLE OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 140.5 FEET: THENCE, AT AN
<br />ANGLE OF 90 DEGREES TO THE LEFT, A DISTANCE OF 252.2 FEET: THENCE, AT AN ANGLE
<br />OF 90 DEGREES TO THE RIGHT, A DISTANCE OF 580 FEET MORE OR LESS TO THE
<br />CENTERLINE OF THE WOOD RIVER CHANNEL: THENCE UPSTREAM ON THE CENTERLINE
<br />OF SAID CHANNEL TO THE POINT OF BEGINNING.
<br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows
<br />(notwithstanding anything to the contrary contained in the Note or Security Instrument):
<br />1. As of November 1, 2001, the amount payable under the Note and the Security Instrument (the
<br />"Unpaid Principal Balance ") is U.S. $215,930.42, consisting of the amount(s) loaned to Borrower by
<br />Lender and any interest capitalized to date.
<br />2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender.
<br />Interest will be charged on the Unpaid Principal Balance at the yearly rate of 7.125 %, from November 1,
<br />2001. Borrower promises to make monthly payments of principal and interest of U.S. $2,696.40, beginning
<br />on December 1, 2001, and continuing thereafter on the same day of each succeeding month until principal
<br />and interest are paid in full. If on November 1, 2006, (the "Maturity Date "), Borrower still owes amounts
<br />under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these
<br />amounts in full on the Maturity Date.
<br />Borrower will make such payments at Wells Fargo Home Mortgage, Inc., 1 Home Campus, Des
<br />Moines, Iowa 50328 -0001 or at such other place as Lender may require.
<br />3. If all or any part of the Property or any Interest in the Property is sold or transferred (or if
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