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�� ± � <br />� <br />r " <br />- � n n r ",�' � <br />� c � � o ~ � <br />N � = n v � � Z <br />B � � � � � � � <br />� � �. -� <br />0 �� 7C = � o 0 <br />CI� <br />m �� ^F � <br />� �� � � <br />� � N <br />� <br />� [Space Above this Line for Recording Data] ;�� � <br />epared By: Kristine Sheline ` � <br />t� <br />�ceturn To: Branch Banking and Trust Co. � <br />301 College St <br />Greenville SC, 29601 <br />BB&T Mortgage Loan No- 6961808241 <br />� <br />-{ <br />D <br />� <br />rn <br />0 <br />-n <br />T - <br />= rn <br />� � <br />r � <br />r n <br />� <br />,,_,. � <br />� <br />� <br />Mers No. 1001599 6961808241 9 <br />LOAN MODIFICATION AGREEMENT <br />(Providing for Fixed Interest Rate) <br />This Loan Modification Agreement ("Agreement"), is effective November l, 2010, <br />between Kirk T Russell (Borrower) and Cheryl M Russell (Borrower) and Mortgage Electronic <br />Registration Systems Inc.(MERS) ("Lender"), and amends and supplements (1) the Note made <br />by the Borrower, dated 06/30/2009 in the original principal sum of U.S. $254,465.00 and (2) the <br />Mortgage, Deed of Trust, or Deed to Secure Debt ("the Security Instrument") securing the Note <br />recorded on 09/17/2009 in 200907537 in the Office of the Registry of Hall County. For the <br />purpose of this Agreement, the term "Property" shall be the real property and personal property, <br />if any, together with any improvements located thereon, as more particularly described in the <br />Security Instrument and having an address of: <br />327 Quali Court <br />Doniphan NE 68832 <br />The real property described being set forth as follows: <br />See E�ibit A <br />In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows <br />(notwithstanding anything to the contrary contained in the Note or Security Instrument): <br />1. Borrower hereby acknowledges that prior to this modi�cation the outstanding unpaid principal balance due <br />under the Note and Security Instrument is $251,033.09. <br />The Borrower acknowledges that interest has accrued but has not been paid and the Lender has incurred, <br />paid or otherwise advanced taxes, insurance premiums and other expenses necessary to protect or enforce <br />its interest in the Note and the Security Instrument, and that such interest, cost and expenses, in the total <br />amount of $5,557.77 has been added to the indebtedness under the terms of the Note and Security <br />Instrument, as of November 1, 2010 resulting in a total indebtedness due of U.S. $256,590.86 (the new <br />"Unpaid Principal Balance"). <br />Borrower Initial: <br />Co-Borrower Initial:� <br />C7 <br />� <br />� <br />�� <br />� <br />f"!'! <br />t° <br />C� <br />G � <br />0 <br />N <br />C7 <br />N <br />� "'� <br />0 <br />t--� <br />N <br />� <br />Q <br />S � <br />-1- <br />