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20i1046�0 the real property described being set forth as follows: ALL THAT CERTAIN PARCEL OF LAND SITUATE IN THE CITY OF GRAND ISLAND, COUNTY OF HALL, AND STATE OF NEBRASKA, BEING KNOWN AND DESIGNATED AS FOLLOWS: FRACTIONAL LOTS SEVEN ('� AND EIGHT (8), IN FRACTIONAL BLOCK THREE (3), IN GILBERT'S SECOND ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. APN #: 400134357 In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of NOVEMBER 1, 2010 , the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $ 43,759.72 , consisting of the amount(s) loaned to Borrower by Lender, plus capitalized interest in the amount of U.S. $ 1,486.29 and other amounts capitalized, which is limited to escrows and any legal fees and related foreclosure costs that may have been accrued for work completed. Bonower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 4.500 %, from NOVEMBER 1, 2010 . Bonower promises to make monthly payments of principal and interest of U.S. $ 221.72 , beginning on the 1ST day of DECEMBER, 2010 , and continuing thereafter on the same day of each succeeding month until principal and interest aze paid in full. If on NOVEMBER Ol, 2040 (the "Maturity Date"), Bonower still owes amounts under thc Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. If all or any part of the Property or any interest in it is sold or transfened (or if Bonower is not a natural person and a beneficial interest in Bonower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by the Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or maile� within which Borrower must pay all sums secured by the Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by the Security Instrument without further notice or demand on Borrower. HUD MODIFICATION AGREEMENT CoreLogic Document Services CoreLogic, Inc. CLDS# HUD-MOD-2 Rev. 06-15-10 (page 2 of 5) ( IIIIII IIIII IIIII IIIII I�III IIIII �III IIIII IIIII IIIII IIIII IIIII III�I IIII IIII