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WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />1204 Allen Drive, PO Box 5793 <br />Grand Island, NEBRASKA 68802 <br />This instrument was prepared by: <br />Exchange Bank <br />1204 Allen Drive, PO Box 5793 <br />Grand Island, NEBRASKA 68802 <br />308 -382 -2900 <br />DEFINITIONS <br />DEED OF TRUST <br />C) CO <br />■ ▪ p —{ <br />T> <br />—1 rn <br />co <br />[Space Above This Line For Recording Data] <br />CO Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />Dzis <br />(A) "Security Instrument" means this document, which is dated November 16, 2012, together with all Riders to this <br />a document. <br />1T1 (B) "Borrower" is Frank M Palomares and Nancy T Palomares, husband and wife. Borrower is the trustor under this <br />--I Security Instrument. <br />t (C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. Lender is the beneficiary <br />under this Security Instrument. <br />A7 <br />„NC (D) "Trustee" is Exchange Bank. <br />Trustee's address is 1204 Allen Drive, PO Box 5793, Grand Island, Hall County NEBRASKA 68802. <br />CI <br />to" (E) "Note" means the promissory note signed by Borrower and dated November 16, 2012. The Note states that <br />Borrower owes Lender FORTY-ONE THOUSAND AND NO /100 Dollars (U.S. $41,000.00) plus interest. Borrower <br />has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2019. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />Ua <br />NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Fo s 3028 1/01 <br />Page 1 of 12 P 0 P. <br />IDS, Inc. Borrower(s) Initials • <br />