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200905980 <br />When Recorded Mail Ta: <br />WFHM FINAL DOCS X2599-024 <br />405 SW 5TH STREET <br />DES MOINES, 2A 50309-4600 <br />State of Nebraska <br />FHA Case No.321-2712472 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 07/16/09 .The trustor is <br />ROBERT W. WATERS, A SINGLE PERSON <br />whose address is <br />2105 WEST STATE STREET GRAND ISLAND NE 68803 <br />("Borrower"1. The trustee is WELLS FARGO FINANCIAL NATIONAL ("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: (al 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 TWENTY FOUR THOUSAND FIVE HUNDRED AND 00/100 <br />lU_S $ 124, 500.00);(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), Ib), <br />and Icl above, if not due earlier, is due and payable on .rtrNE 28TH , zo79 For this <br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust <br />0107483422 <br />First American Loan Production Services <br />O 2008 First American Real Estate Solutions LLC <br />FALPS # 87YQ :02/08 <br />NMFL #891 ANE (QLNE) Rev 1 1 /2008 <br />This Document Prepared By: <br />WELLS FARGO HANK, N.A. <br />3480 STATEVIEW BLVD, MAC X7802-036 <br />FORT MILL, SG 29715D000 <br />[Space Above This Line For Recording Data] <br />Page 1 <br />Nebraska HECM ARM Second Security Instrument <br />