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2ooyobii~ <br />When Retarded Mail To: <br />WFHM FINAL ROCS X2599-024 <br />405 SW 5TH STREET <br />DES MOINES, IA 50309-4600 <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 />State of Nebraska <br />FHA Case No.321-2771493 952 <br />ADJUSTABLE RATE <br />HOME EQUITY CONVERSION SECOND DEED OF TRUST <br />THIS DEED ~F TRUST ("Security Instrument" or "Second Security Instrument") is made <br />on 10/02/09 .The trustor is <br />CHARLES B. MILBY AND LOUISE MILBY <br />FTUS£AND ~NI7 P~TFF <br />whose address is <br />1703 S INGALLS ST , GRAND ISLAND NE 68803 <br />("Borrower"). The trustee is WELLS FARGO FIN' L NAT' L 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" ar "Secretary"). Borrower has agreed to repay t0 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 SEVENTY TWO THOUSAND FIVE HUNDRED AND 00/100 <br />(U.S. $ 172,500.00 );(b) the paymen# 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 AUGUST 28TH , 2081 .For this <br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust <br />0112315205 <br />First American Loan Production Services <br />~ 2008 First American Real Estate Solutions LLC <br />FALPS # 87YQ : 02J08 <br />NMFL #8914NE (QLNE) Rev 11/2D08 <br />Page 1 <br />Nebraska HELM ARM Second Security Instrument <br />