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<br />J) ~ LOAN MODIFICATION AGREEMENT
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<br />This Loan Modification Agreement ("Agreement") made this November 26, 2007
<br />between RONALD J NIELSON & JODY M NIELSON, HUSBAND & WIFE, (referred to
<br />jointly and severally as "Borrower") and MidFirst Bank located on 999 NW Grand Blvd, Suite
<br />100, Oklahoma City, OK 73118 its successors and assigns ("Lender") ") and Mortgage
<br />Electronics Registration Systems, Inc, as morteae:ee of record solely as nominee for Lender
<br />and Lender's successors and asshms. P~O. Box 2026. Flint. Michie:an 48501-2026
<br />(hereinafter referred to as "Mortgagee"), renews and extends (1) the Mortgage, Deed of Trust or
<br />Security Deed (the "Security Instrument") recorded April 12, 2002 as Instrument No.
<br />0200203993, in HALL County, Nebraska, and (2) the Note, in the original principal amount of
<br />U.S. $87,750.00, bearing the same date as and secured by, the Security Instrument which covers
<br />the real and personal property described in the Security Instrument and defined therein as the
<br />"Property,") located at 3425 PRIMROSE DR, GRAND ISLAND, NE 68801M8764, the legal
<br />description ofthe Property being set forth as follows:
<br />~C.e.( ~ 4CO~\~;).SJ
<br />See Exhibit "A" attached hereto and made a part hereof;
<br />
<br />The Note and the Security Instrument may be collectively referred to herein as the "Loan
<br />Docwnents." In consideration of the mutual promises and agreements exchanged, receipt of
<br />which is acknowledged, the parties hereto agree to modify, renew and extend the Note and
<br />Security Instrument as follows (notwithstanding anything to the contrary contained in the Note
<br />or Security Instrument):
<br />
<br />1. As of January 01, 2008, the total amount payable under the Note and the
<br />Security Instrument is U.S. $94,654.04, consisting of an outstanding principal balance of
<br />$88,972.55, accrued unpaid interest of $3,633.07, and escrow shortage (consisting of
<br />unpaid hazard insurance, taxes and/or mortgage insurance premiums) of $2,048.42
<br />(collectively referred to as "Modified Principal Balance").
<br />
<br />2. The Borrower promises to pay the Modified Principal Balance, plus interest, to the
<br />order of the Lender, its successors and assigns in US Dollars. Interest will be charged on
<br />the Modified Principal Balance at the yearly rate of 7.000% from January 01, 2008 until
<br />Page 1 of 8 of the Loan Modification Agreement
<br />Loan #50608476
<br />Order #3870127
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