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<br /> WORLDW~~~ RECORDINGl~ IN~ile
<br /> 9801 LEGLER RD
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<br /> [Space Above This Line For Recording Data] •
<br /> State of NEBRASKA FHA Case Na. 321-2917045-951
<br /> Loan No. 212b4S
<br /> MIN:10079S4-0005002702-7
<br /> IReCOC~ COI
<br /> FIXED RATE
<br /> HOME EQUITY CONVERSION SECOND 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" or "Second Security instrument") is made on
<br />August 18, 2010. The trustor is Ronald "W. Mettenbrink and Judith A. Mettenbrink, husband and
<br />wife, as joint tenants with right of survivorship and not as tenants in common, whose address is
<br />905 E PHOENIX AVENUE, GRAND ISLAND, Nebraska 68801 ("Borrower"). The trustee is the
<br />SENIOR OFFICIAL WITH RESPONSIBILITY FOR SINGLE FAMILY MORTGAGE INSURANCE
<br />PROGRAMS IN THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT FIELD
<br />OFFICIu WITH JURISDICTION OVER THE PROPERTY DESCRIBED BELOW, OR A DESIGNEE
<br />OF THAT OFFICIAL ("Trustee"). The beneficiary is the Secretary of Housing and Urban Development,
<br />whose address is 451 Seventh Street, SW, Washington, DC 20410 ("Lender" or "Secretary"). Borrower
<br />has agreed to repay to Lender amounts which Lender is obligated to advance, including future advances,
<br />under the terms of a Home Equity Conversion Loan Agreement dated the same date as this Security
<br />Instrument ("Loan Agreement"). The agreement to repay is evidenced by Borrower's Fixed-Rate Note
<br />dated the same date as this Security Instrument ("Second Note"). This Security Instrument secures to
<br />Lender: (a) the repayment of the debt evidenced by the Second Note, with interest at a fixed rate
<br />(interest), and all renewals, extensions and modifications of the Note, up to a maximum principal
<br />amount of Two Hundred Twenty Five Thousand Dollars and Zero Cents (U.S. $225,000.00); (b) the
<br />payment of all other sums, with interest, advanced under paragraph 5 to protect the security of this
<br />Security Instrument or otherwise due under the terms of this Security Instrument; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instrument and the Second
<br />Note. The full debt, including amounts described in (a), (b), and (c) above, if not due earlier, is due and
<br />payable on February 7, 2093. For this purpose, Borrower irrevocably grants and conveys to Trustee, in
<br />trust, with power of sale, the following 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 />which has the address of
<br />Page 1 of 10 HECM Second Deed of Trust
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