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State of NEBRASKA
<br />•epared By: Cherry Creek Mortgage Co., Inc.
<br />7600 East Orchard Road, Suite 250 -N
<br />Greenwood Village, CO 80111
<br />Record and Return to: 1st Reverse Mortgage, USA
<br />3609 S. Wadsworth Blvd Suite 500
<br />Lakewood, CO 80235
<br />Attn: Final Docs
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<br />FHA Case No. 321 - 3292408 -962
<br />Loan No. 907906903
<br />MIN: 1000302-0907906903-4
<br />ADJUSTABLE RATE
<br />HOME EQUITY CONVERSION DEED OF TRUST
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<br />THIS INSTRUMENT IS A DEED OF TRUST WHICH SECURES FUTURE ADVANCES
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<br />THIS DEED OF TRUST ( "Security Instrument ") is made on January 27, 2014. The trustor is Patricia
<br />A. Wieser, an unmarried woman , whose address is 729 Church Road, Grand Island. Nebraska
<br />68801 ( "Borrower"). The trustee is First American Title Insurance Company, 1 First American
<br />Way, Santa Ana, CA 92707 ( "Trustee "). The beneficiary is Mortgage Electronic Registration
<br />Systems Inc. ( "MERS "), which is organized and existing under the laws of Delaware, and whose
<br />address is Delaware. Cherry Creek Mortgage Co., Inc. is organized and existing under the laws of
<br />Colorado, and has an address of 7600 East Orchard Road, Suite 250 -N, Greenwood Village, CO
<br />80111 ( "Lender "). Borrower has agreed to repay to Lender amounts which Lender is obligated to
<br />advance, including future advances, under the terms of a Home Equity Conversion Loan Agreement
<br />dated the same date as this Security Instrument ( "Loan Agreement "). The agreement to repay is
<br />evidenced by Borrower's Adjustable -Rate Note dated the same date as this Security Instrument ( "Note ").
<br />The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's
<br />successors and assigns) and the successors and assigns of MERS. This Security Instrument secures to
<br />Lender: (a) the repayment of the debt evidenced by the Note, with interest at a rate subject to adjustment
<br />(interest), and all renewals, extensions and modifications of the Note, up to a maximum principal amount
<br />of Oue Hundred Fifty Three Thousand Dollars and Zero Cents (U.S. $153,000.00); (b) the payment
<br />of all other sums, with interest, advanced under paragraph 5 to protect the security of this Security
<br />Instrument or otherwise due under the terms of this Security Instrument; and (c) the performance of
<br />Borrower's covenants and agreements under this Security Instrument and the Note. The full debt,
<br />including amounts described in (a), (b), and (c) above, if not due earlier, is due and payable on
<br />December 20, 2083. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust,
<br />with power of sale, the following described property located in pipptiR County, NEBRASKA:
<br />HALL
<br />See legal description as Exhibit A attached hereto and made a part or all intents and
<br />purposes
<br />which has the address of
<br />729 Church Road, Grand Island, Nebraska 68801, ( "Property Address ")
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />rights, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
<br />additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
<br />Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title
<br />to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
<br />Page 1 of 9 HECM ' . )f Trust
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