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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 />-n <br />rt <br />i <br />DEED OF TRUST <br />m <br />c <br />0 <br />cn <br />[Space Above This Line For Recording Data] <br />MIN: 100846702011244149 <br />SIS Telephone #: (888) 679 -MERS <br />DEFINITIONS <br />Words used in multiple sections of this document are defmed below and other words are defmed in Sections 3,11,13, 18, <br />20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated December 26, 2012, together with all Riders to this <br />document. <br />(B) "Borrower" is Douglas R Lechner and Julie Lechner, husband and wife. Borrower is the trustor under this <br />Security Instrument. <br />(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. <br />(D) "Trustee" is U S Bank Home Mortgage <br />Trustee's address is 4801 Frederica Street , Owensboro, Daviess County KENTUCKY 42301. <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely <br />as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01 <br />Page 1 of 13 <br />IDS, Inc. Borrower(s) Initials/aft_ <br />.7= 0) <br />w O —I <br />G D N <br />—4 <br />--1 m O <br />O <br />c> -n <br />ap T' z W K <br />- If. r71 CD 0 . <br />r O `47 <br />(i)c <br />N F-1 S <br />1 , + �. rj <br />co 0) cc. ti <br />tki <br />