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<br /> Cleveland, OH 44114 (, Cn O
<br />" - Attn: National Recordings 1120
<br />LOAN MODIFICATION AGREEMENT
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<br />This Loan Modification Agreement ("Agreement") made this February 20, 2009 V
<br />between ISMAEL ZARATE & MARIA ZARATE, BOTH SINGLE (referred to jointly and
<br />severally as "Borrower") and MidFirst Bank located on 999 NW Grand Blvd, Suite 100,
<br />Oklahoma City, OK 7311 S its successors and assigns ("Lender") renews and extends (1) the
<br />Mortgage, Deed of Trust or Security Deed (the "Security Instrument") recorded May O1, 2001. in
<br />INSTRUMENT NO. 0200103974, in HALL County, Nebraska, and (2) the Note, in the original
<br />principal amount of U.S. $62,307.00, bearing the same date as and secured by, the Security
<br />Instrument which covers the real and personal property described in the Security Instrument and
<br />defined therein as the "Property,") located at 223E 12TH ST, GRAND ISLAND, NE 68801-
<br />3821, the legal description of the Property being set forth as follows:
<br />See Exhibit "A" attached hereto and made a part hereof;
<br />The Note and the Security Instrument may be collectively referred to herein as the "Loan
<br />Documents." 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 Nate
<br />or Security Instrument):
<br />1. As of February O1, 2009, the total amount payable under the Note and the
<br />Security Instrument is U.S. $73,333.53, consisting of an outstanding principal balance of
<br />$67,699.53, accrued unpaid interest of $3,159.31, and escrow shortage (consisting of
<br />unpaid hazard insurance, taxes and/ar mortgage insurance premiums) of $2,474.69
<br />(collectively referred to as "Modified Principal Balance").
<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 Frincipal Balance at the yearly rate of 6.625% from February O1, 2009
<br />until paid in full. The Borrower promises to make monthly payments of principal and
<br />interest of U.S. $469.56 beginning on the 1St day of MARCH, 2009 and continuing
<br />Page 1 of 7 of the Loan Modification Agreement
<br />Laan #48331056
<br />Qrder # 4921059
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