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,.. 200903164 Borrower has entered into a home equity line of credit agreement (the "Line of Credit Agreement") with the Lender, dated May 06, 2005, in the original maximum principal amount of $ 25,000.00. The Line of Credit Agreement is secured by a Deed of Trust dated the same date as the Line of Credit Agreement (together with any renewals, extensions, and modifications to it made prior to the date of this Agreement, which is recorded in Book/Roll at page(s) ~ of the County of HALL County, State of NEBRASKA as document No. 0200505026 (the "Security Instrument"), and covering real property located at 116 W 22ND ST, GRAND ISLAND, NEBRASKA 68801 (the "Property") and described as follows: THE FOLLOWING DESCRIBED REAL ESTATE SITUATED IN HALL COUNTY, NEBRASKA: LOT EIGHT (8) IN BLOCK THREE (3) IN KNICKREHM FOURTH ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA, AS SURVEYED, PLATTED AND RECORDED. The Borrower has requested and the Lender has agreed to modify certain terms of the Line of Credit Agreement and the Security Instrument as set forth below. All terms not defined in this Agreement shall have the same meanings as set forth in the Line of Credit Agreement. In consideration of the mutual promises contained in this Agreement, the parties agree as follows: Change in Credit Limit. The Lender and the Borrower agree that the credit limit under the Line of Credit Agreement is hereby increased to $37,200.00 and that the lien of the Security Instrument shall secure the line of credit up to that amount as it is advanced and outstanding from time to time. Each reference in the Security Instrument to the maximum amount of the line of credit is hereby amended to the extent necessary to reflect the modified credit limit. As a precondition to making the changes set forth above, the Borrower hereby agrees to pay to the Lender at the time of signing this Agreement the other finance charges and other charges that are enumerated and disclosed on the attached final HUn Settlement Statement which is integrated by reference into this Agreement. Except as amended by this Agreement, all terms and conditions of the Line of Credit and the Security Instrument (including any previous modifications) shall remain in full force and effect, and this Agreement shall not affect the Lender's security interest in, or lien priority on, the Property. The Borrower agrees to be bound by and to perform all of the covenants and agreements in the Line of Credit Agreement and the Security Instrument at the time and in the manner therein provided. This Agreement shall not be construed to be a satisfaction, novation or partial release of the Line of Credit Agreement or the Security Instrument. By signing this Agreement, the Borrower represents and warrants to the Lender that the Borrower has no counterclaims, set-offs or defenses to the Bank's rights under the Line of Credit Agreement or the Security Instrument. The Borrower agrees to payor reimburse the Lender for any and all fees payable to public officials in connection with this Agreement, and the recording thereof, including any mortgage registry tax that may be due. Borrower hereby acknowledges Borrower has received, read and retained a copy of the Agreement and the HUD Settlement Statement provided to me by Lender, all of which I agree to by signing this Agreement. 1~~~~II"llIi~rn~~i~lli~iml~illlmmllllililllll~~2/21/09) 2/5 Documents Processed 04-13-2009,07:18:53