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When Recorded Mail To: <br />WFHM FINAL DOCS X2599 -024 <br />405 SW 5TH STREET <br />DES MOINES, IA 50309 -4600 <br />State of Nebraska <br />200904108 <br />This Document Prepared By: <br />WELLS FARGO BANK, N.A. <br />3480 STATEVIEW BLVD, MAC X7802 -036 <br />FORT MILL, SC 297150000 <br />[Space Above This Line For Recording Data] <br />FHA Case No.321- 2681714 952 <br />ADJUSTABLE RATE <br />HOME EQUITY CONVERSION SECOND DEED OF TRUST <br />THIS DEED OF TRUST ( "Security Instrument" or "Second Security Instrument ") is made <br />on 05/14/09 . The trustor is <br />DONALD E. SHORT, A MARRIED PERSON, AND DIANE C. SHORT, HIS WIFE <br />whose address is <br />224 EAST PLUM STREET , DONIPHAN NE 68832 <br />( "Borrower "). The trustee is WELLS FARGO FINANCIAL NAIL BANK ( "Trustee "). The beneficiary is <br />The Secretary of Housing and Urban Development, whose address is 451 Seventh Street, S.W., <br />Washington, DC 20410 ( "Lender" or "Secretary "). 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 "). <br />The agreement to repay is evidenced by Borrower's Note dated the same date as this Security <br />Instrument ( "Second Note "). This Security Instrument secures to Lender: (a) the repayment of the <br />debt evidenced by the Second Note, with interest at a rate subject to adjustment (interest), and all <br />renewals, extensions and modifications of the Note, up to a maximum principal amount of <br />ONE HUNDRED FIFTY THOUSAND AND 00 /100 <br />(U. S. $ 150, 000.00 );(b) the payment of all other sums, with interest, advanced under <br />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 <br />this Security Instrument and the Second Note. The full debt, including amounts described in (a), (b), <br />and (c) above, if not due earlier, is due and payable on JUNE 28TH 12083 . For this <br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust <br />0103078366 <br />First American Loan Production Services <br />Q 2008 First American Real Estate Solutions LLC <br />FALPS # 87YQ : 02/08 <br />NMFL #8914NE (QLNE) Rev 11/2008 <br />C.0 <br />Page 1 <br />Nebraska HECM ARM Second Security Instrument <br />