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<br />State of NEBRASKA FHA Case No. 321-2917045-951
<br />Loan No. 212645
<br />MIN:1007954-0005002702-7
<br />iR~C~7fi~ IS{-
<br />FIXED RATE
<br />HOME EQUITY CONVERSION DEED OF TRUST
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<br />THIS INSTRUMENT IS A DEED OF TRUST WHICH SECURES FUTURE ADVANCES
<br />THIS DEED OF TRUST ("Security Instrument") is made on August 18, 2010. The trustor is Ronald
<br />W. Mettenbrink and Judith A, Mettenbrink, husband and wife, as joint tenants with right of
<br />survivorship and not as tenants in common ,whose address is 905 E PHOENIX AVENUE,
<br />GRAND ISLAND, Nebraska 68801 ("Borrower"). The trustee is Alan E. South, Attorney at Law,
<br />South & Associates, PC4600 Madison Avenue Suite 801, Kansas City, MO 64112 ("Trustee"). The
<br />beneficiary is Mortgage Electronic Registration Systems Inc. ("MFRS"), which is organized and
<br />existing under the laws of Delaware, and whose address is Delaware. Urban Financial Group is
<br />organized and existing under the laws of Oklahoma, and has an address of 9175 South Yale Ave,
<br />Suite 300, Tulsa, OK 74137 ("Lender"). Borrower has agreed to repay to Lender amounts which
<br />Lender is obligated to advance, including future advances, under the terms of a Horne 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 Fixed-Rate Note dated the same date as this Security
<br />Instrument ("Note"). This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest at a fixed rate (interest), and all renewals, extensions and
<br />modifications of the Note, up to a maximum principal amount of Two Hundred Twenty Five
<br />Thousand Dollars and Zero Cents (U.S. $225,000.00); (b) the payment of all other sums, with
<br />interest, advanced under paragraph 5 to protect the security of this Security Instrument or otherwise due
<br />under the terms of this Security Instrument; and (c) the performance of Borrower's covenants and
<br />agreements under this Security Instrument and the Note. The full debt, including amounts described in
<br />(a), (b), and (c) above, if not due earlier, is due and payable on February 7, 2093. For this purpose,
<br />Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
<br />described property located in HALL County, NEBRASKA:
<br />See legal description as Exhibit A attached hereto and made a part hereof for all intents and
<br />purposes
<br />Page 1 oP 10 11ECM First Deed Of Trust
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