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~ '<'.. Parcel #400084856 ~ ~ L '~~V' <1:"6' (ShIm to: First American Title 3 First American Way Santa Ana, CA 92707 200710808 LOAN MODIFICATION AGREEMENT This Loan Modification Agreement ("Agreement") made this November 19, 2007 between STEVE D SCHREINER & ELAINE S SCHREINER, HUSBAND AND WIFE, (referred to jointly and severally as "Borrower") and Mid First Bank located on 999 NW Grand Blvd, Suite 100, Oklahoma City, OK 73118 its successors and assigns ("Lender") renews and extends (1) the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") recorded June 29, 1995 in Instrument No. 95-104334, in Hall County, Nebraska, and (2) the Note, in the original principal amount of u.S. $71,650.00, 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 904 W 5TH ST, GRAND ISLAND, NE 68801-4412, the legal description ofthe Property being set forth as follows: See Exhibit" A" attached hereto and made a part hereof; The Note and the Security Instrument may be collectively referred to herein as the "Loan Documents." In consideration of the mutual promises and agreements exchanged, receipt of which is acknowledged, the parties hereto agree to modify, renew and extend the Note and Security Instrument as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of December 01, 2007, the total amount payable under the Note and the Security Instrument is U.S. $64,970.05, consisting of an outstanding principal balance of $60,335.80, accrued unpaid interest of $2,815.68, and escrow shortage (consisting of unpaid hazard insurance, taxes and/or mortgage insurance premiums) of $1,818.57 (collectively referred to as "Modified Principal Balance"). 2. The Borrower promises to pay the Modified Principal Balance, plus interest, to the order of the Lender, its successors and assigns in US Dollars. Interest will be charged on the Modified Principal Balance at the yearly rate of 8.000% from December 01, 2007 until paid in full. The Borrower promises to make monthly payments of principal and interest of U.S. $487.15 beginning on the 1st day of January 2008 and continuing thereafter on the same day of each succeeding month until principal and interest are paid Page 1 of 7 of the Loan Modification Agreement Loan #49266528 Order # 3851309