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Prepared 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 <br />State of NEBRASKA <br />n = <br />O ' <br />^T. an <br />rn <br />0 <br />o 0 <br />-w, <br />M <br />[Space Above This Line For Recording Data] <br />FHA Case No. 321 - 3292408 -962 <br />Loan No. 907906903 <br />MIN: 1000302-0907906903-4 <br />ADJUSTABLE RATE <br />HOME EQUITY CONVERSION SECOND DEED OF TRUST <br />THIS INSTRUMENT IS A DEED OF TRUST WHICH SECURES FUTURE ADVANCES <br />THIS DEED OF TRUST ( "Security Instrument" or "Second Security Instrument ") is made on <br />January 27, 2014. The trustor is Patricia A. Wieser, an unmarried woman, whose address is 729 <br />Church Road, Grand Island, Nebraska 68801 ( "Borrower "). The trustee is the SENIOR OFFICIAL <br />WITH RESPONSIBILITY FOR SINGLE FAMILY MORTGAGE INSURANCE PROGRAMS IN THE <br />DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT FIELD OFFICE WITH <br />JURISDICTION OVER THE PROPERTY DESCRIBED BELOW, OR A DESIGNEE OF THAT <br />OFFICIAL ( "Trustee "). The beneficiary is the Secretary of Housing and Urban Development, whose <br />address is 451 Seventh Street, SW, Washington, DC 20410 ( "Lender" or "Secretary"). Borrower has <br />agreed to repay to Lender amounts which Lender is obligated to advance, including future advances, <br />under the terms of a Home Equity Conversion Loan Agreement dated the same date as this Security <br />Instrument ( "Loan Agreement "). The agreement to repay is evidenced by Borrower's Adjustable -Rate <br />Note dated the same date as this Security Instrument ( "Second Note "). This Security Instrument secures <br />to Lender: (a) the repayment of the debt evidenced by the Second Note, with interest at a rate subject to <br />adjustment (interest), and all renewals, extensions and modifications of the Note, up to a maximum <br />principal amount of One Hundred Fifty Three Thousand Dollars and Zero Cents (U.S. <br />$153,000.00); (b) the payment of all other sums, with interest, advanced under paragraph 5 to protect <br />the security of this Security Instrument or otherwise due under the terms of this Security Instrument; and <br />(c) the performance of Borrower's covenants and agreements under this Security Instrument and the <br />Second Note. The full debt, including amounts described in (a), (b), and (c) above, if not due earlier, is <br />due and payable on December 20, 2083. For this purpose, Borrower irrevocably grants and conveys to <br />Trustee, in trust, with power of sale, the following described property located in MOWN `� ty, <br />NEBRASKA: Hall <br />See legal description as Exhibit A attached hereto and made a part hereof for all inteWs 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." <br />Page 1 of 9 HECM Second Deed <br />