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m N 0H Z mm cD m �21 X na Z m m fV m 730 , E jo 0 0 ZD L1 mZ co -< DW N.) N m m o ra r-> Co r o m 0o o m th o° W O [Space Above This Line For Recording Data] Requested by and returned to: MetLife Home Loans,a Division of MetLife Bank,N.A. P.O. Box 8157 • Edmond,OK 73083-8157 FHA Case Number: 321-3068804-952/255 Loan Number: 1902026042 ADJUSTABLE RATE SECOND DEED OF TRUST (HOME EQUITY CONVERSION) THIS DEED OF TRUST SECURES A REVERSE MORTGAGE • TFIIS DEED OF TRUST ("Security Instrument" or"Second Security Instrument") is made on December 02,2011. the truster is Dennis L Fiala and Beatrice B Fiala, husband and wile, as joint tenants with right of survivorship and not as tenants in common whose address is 3548 Hillside Drive, Grand Island, NE 68803 ('Borrower"). The trustee is Fidelity National Title Company, a California Corp ("Trustee"). The beneficiary is the SECRETARY OF HOUSING AND URBAN DEVELOPMENT, whose address is 451 Seventh Street, S.W., Washington, DC 20410("Lender" or "Secretary"). Borrower has agreed to repay to Lender amounts which Lender is obligated to advance, including future advances, under the terms of a I tome Equity Conversion Loan Agreement • dated the same date as this Security Instrument ("Loan Agreement"). The agreement to repay is evidenced by Borrower's Note dated the same date as this Security Instrument("Second Note"). •this Security Instrument secures to Lender: (a)the repayment of the debt evidenced by the Second Note, including all future advances, with interest at a rate subject to adjustment,and all renewals,extensions and modifications of the Second Note, up to a maximum principal amount of Two Hundred Fifty-Five Thousand and 00/100 Dollars (U.S.$255,000.00); (h)the payment of all other sums, with interest, advanced under Paragraph 5 to protect the security of this Security Instrument or otherwise due under the terms of this Security Instrument; and (c)the performance of Borrower's covenants and agreements under this Security Instrument and the Second Note. The full debt, including all amounts described in (a), (h), and (c) above, if not paid earlier, is due and payable on August 27, 2095. For this purpose, Borrower irrevocably grants and conveys to Trustee. in trust, with power of sale, the following described property located in HALL County. Nebraska: See Schedule A attached which has the address of 3548 Hillside Drive,Grand Island. NE 68803("Property Address") TOGETIIER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances. and fixtures now or hereafter a part of the property. All replacements and additions shall also be Nebraska 2'"'Seexri/r lnsnxwuent 6N Bay Does, Inc.06/10 Page 1