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,. 200602262 0052798352 the real property described is located in HALL COUNTY, NEBRASKA and being set forth as folIows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF; , In consideration of the mutual promises and agreements exchanged, the parties hereto agree as folIows (notwithstanding anything to the contrary contained in the Note or Security Instrument): I. As of FEBRUARY 1,2006 , the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $ 80,106.80 consisting of the amount(s) loaned to the Borrower by the Lender and any interest capitalized to date. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 7.500 %, from ."EBRU ARY 1, 2006 . The Borrower promises to make monthly payments of principal and interest of U.S. $ 583.10 , beginning on the first day of MARCH, 2006 , and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. If on APRIL 01, 2032 (the "Maturity Date"), the Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, the Borrower will pay these amounts in fuII on the Maturity Date. The Borrower will make such payments at WASHINGTON MUTUAL BANK, F.A. P.O. BOX 3200 MIL W AUKEE, WISCONSIN 53224 or at such other place as the Lender may require. 3. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may require immediate payment in full of all sums secured by this Security Instrument. I f the Lender exercises this option, the Lender shall give the 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 the Borrower must pay all sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the Borrower. 4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Borrower's covenants and agreement,> to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever cancelled, null and void, as of the date specified in Paragraph No.1 above: H{)D Moditieatioll Agreement FAND# HUDMOD-2 Rev, 04-[6-03 Page 2 01'4 JP-f/Ii