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201109223 �Space Above T'his Line For Recording Data] Requested by and returned to: MetLife Home Loans,a Division of MetLife Bank,N.A. P.O.Box 8157 Edmond,OK 73083-8157 FHA Case Number: 321-3068804-952/255 Loan Number: 1902026042 ADJUSTABLE RATE SECOND DEED OF TRUST (HOME EQUITY CONVERSION) THIS DEED OF TRUST SECURES A REVERSE MORTGAGE TFIIS DEED OP TRUST("Security Instrument" or"Second Security Instrument") is made on December 02,2011. I'he trustor is Dennis L Fiala and Beatrice B Fiala, husband and wife, as joint tenants with right of survivorship and not as tenants in common whose address is 3548 Hillside Drive, Grand Island, NE 68803 ("Borrower"). 7'he trustee is Fidelity National Title Company, a Californea Corp ("Trustee"). "l,he beneficiary is the SI;CRETARY OF HOIJSING AND URBAN DEVELOPMGN"i', whose address is 451 Seventh Street, S.W., Washington, DC 20410("Lender" or°Secretacy"). Borro�ver has�tgreed to repay to Lender amounts�vhich Lender is obligated to advance, including Puture advances, under the terms of a Home Gquity Conversion L,oan Agreement dated the same date as this SecuriYy Instrument ("Loan Agreement"). "I'he agreement to repay is evidenced by Borrower's Note dated the same date as this Security Instrument("Secoi�d Note"). `['his Security Instrument secures � to Lei�der: (a)the repayment of the debt evidenced L�y the Second Note, includii�g�II future advances, with interesC at a rate subject to adjustment,and all renewals,extensions and moditications ol'the Second Note,up to a ma�imum principal amount of Two Hundred Fifty-Five Thousand and 00/100 Dollars (U.S.$255,000.00); (b)lhe 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 lnstrument; and (c)lhe performance ol' Borrower's covenants and agreements under this Security Instrument and the Second Note. The ('ull debt, including all amounts described in (a), (b), and (c) above, if not paid earlier, is due and payable on August 27, 2095. For this purpose, Borrower irrevocably grants and conveys to 'Trustee, in trust, with po�-ver of sale, the tbllowing described property located in HALL County,Nebraska: See Schedule A attached which has the address of 3548 Hillside Drive,Grand Island,NE 68803("Property Address") TOGCZ'HER WITI-{ all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, and tixtures no�� or hereatter a part of the property. nll replacements and additions shall also be Nebrnska 2°`�Secin�rtv Irisn��mem �O Bav Docs,Inc.06/l0 l'nge!