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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 />it <br />t?r <br />1\) � G <br />W M� ( <br />ti's <br />cn <br />i <br />wH ,. <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />MIN: 100846702011244586 <br />SIS Telephone #: (888) 679 - MERS <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined 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 January 11, 2013, together with all Riders to this <br />document. <br />(B) "Borrower" is Phillip A Paulsen and Miranda R Paulsen, 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 Trust Company, National <br />Trustee's address is 111 SW Fifth Avenue, Portland, Multnomah County OREGON 97204. <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 pp it <br />