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rT'1 r~ M--~ ~ ~ •~ ~ P O ~ _ ~ ,, ~ ~ v ~ ("11 ~ ~ ~ ~ ~ ~ C7 ~ N ~ ~ ~ ~ c-~ a ..,~ N.w C/7 ~ A w C'} ~ pip ~~~ ~ ~ ~ ~ y ~- C N ~r~ ~ 0 ~ F^-'+ ~ ~ I~9T+.~ ~~'^^ Cx1 f» f"1~' Z GAF ~~~ When Recorded Mail To: This Document Prepared By: WFHM REGINA THORN FLNAL DOCS, X2599-024 WELLS 405 SW 5TH STREET FARGO BANK, N.A. DES MOINES, lA 50309-4600 3480 STATEVIEW BLVD, 1ST FLOOR / ~ PHONE: 1-877-953-4225 FORT MILL, SC 29715-7203 `J (Space Above This Line For Recording Data] - n State of Nebraska FHA Case No. 321-2812914-952 ~' Loan No. 0116044413 ADJUSTABLE RATE HOME EQUITY CONVERSION SECOND DEED OF TRUST THIS DEED OF TRUS"I' ("Security Instrument" or "Second Security Instrument") is made on JANUARY 6, 2010 .The trustor is SUSAN GRAF , A SINGLE PERSgN whose address is 2220 WEST DIVISION STREET GRAND ISLAND, NEBRASKA b8$03 ("Borrower"). The trustee is Senior Official with responsibility for Single Family Mortgage Insurance Programs in the Department of Housing and Urban Development Field Office with jurisdiction over the property described below, or a designee of that Official ("Trustee"). The beneficiary is The Secretary of Housing and Urban Development, whose address is 451 Seventh Street, S.W., Washington, DC 20410 ("Lender" or "Secretary"). Borrower has agreed to repay to Lender amounts which Lender is obligated to advance, including future advances, under the terms of a Home Equity Conversion Loan Agreement dated the same date as this Security Instrument ("Loan Agreement"). The agreement to repay is evidenced by Borrower's Note dated the same date as this Security Instrument ("Second Note"). This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Second Note, with interest at a rate subject to adjustment (interest), and all renewals, extensions and modifications of the Note, up to a maximum principal amount of TWO HUNDRED FORTY THOUSAND AND NO /100 Dollars (U.S. $ 240,000.00 ); (b) the payment of all other sums, with interest, advanced under Paragraph 5 to protect the security of this Security Instrument or otherwise due under the terms of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Second Note. The full debt, including amounts described in (a), (b), and (c) above, if not due earlier, is due and payable on MARCH 28, 2097 For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust with power of sale, the following described property located in HALL County, Nebraska: h'irst American Lnan I'roductinn Services Nehraska HECM ARM Secund Security Instrument X2008 h'irst American (Zeal Estate Solutions LLC: I'ALYS# NEHECM2SIA IZev. 04-30-09 Page ] ~a~ ~~o