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State of NEBRASKA
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<br />repared 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 />FHA Case No. 321- 3339432 -962
<br />Loan No. 907907691
<br />MIN: 1000302-0907907691-4
<br />ADJUSTABLE RATE
<br />HOME EQUITY CONVERSION DEED OF TRUST
<br />See legal description as Exhibit A attached hereto and made a part hereof for all intents and
<br />purposes
<br />which has the address of
<br />416 E Oklahoma Avenue, Grand Island, Nebraska 68801, ( "Property Address ")
<br />[Space Above This Line For Recording Data] 70 .00
<br />THIS INSTRUMENT IS A DEED OF TRUST WHICH SECURES FUTURE ADVANCES
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on September 10, 2014. The trustor is P.
<br />Michael Small and Marina J. Small, husband and wife , whose address is 416 E Oklahoma
<br />Avenue, Grand Island, Nebraska 68801 ( "Borrower "). The trustee is First American Title
<br />Insurance Company, 1 First American Way, Santa Ana, CA 92707 ( "Trustee "). The beneficiary is
<br />Mortgage Electronic Registration Systems Inc. ( "MERS "), which is organized and existing under the
<br />laws of Delaware, and whose address is Delaware. Cherry Creek Mortgage Co., Inc. is organized
<br />and existing under the laws of Colorado, and has an address of 7600 East Orchard Road, Suite
<br />250 -N, Greenwood Village, CO 80111 ( "Lender "). Borrower has agreed to repay to Lender amounts
<br />which Lender is obligated to advance, including future advances, under the terms of a Home Equity
<br />Conversion Loan Agreement dated the same date as this Security Instrument ( "Loan Agreement "). The
<br />agreement to repay is evidenced by Borrower's Adjustable -Rate Note dated the same date as this
<br />Security Instrument ( "Note "). The beneficiary of this Security Instrument is MERS (solely as
<br />nominee for Lender and Lender's successors and assigns) and the successors and assigns of
<br />MERS. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the
<br />Note, with interest at a rate subject to adjustment (interest), and all renewals, extensions and
<br />modifications of the Note, up to a maximum principal amount of One Hundred Eighty Thousand
<br />Dollars and Zero Cents (U.S. $180,000.00); (b) the payment of all other sums, with interest, advanced
<br />under paragraph 5 to protect the security of this Security Instrument or otherwise due under the terms of
<br />this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this
<br />Security Instrument and the Note. The full debt, including amounts described in (a), (b), and (c) above, if
<br />not due earlier, is due and payable on May 5, 2094. For this purpose, Borrower irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located in HALL
<br />County, NEBRASKA:
<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 />Page 1 of 10 HECM First Deed Of Trust -2014
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