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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 />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />C DEFINITIONS <br />a Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />H 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />G (A) "Security Instrument" means this document, which is dated January 18, 2013, together with all Riders to this <br />Ili document. <br />(B) "Borrower" is Gerald P Carkoski and Suzanne R Carkoski, husband and wife. Borrower is the trustor under this <br />r-- Security Instrument. <br />fn (C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />fn Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. Lender is the beneficiary <br />�C under this Security Instrument. <br />n (D) "Trustee" is Exchange Bank. <br />t h Trustee's address is 1204 Allen Drive, PO Box 5793, Grand Island, Hall County NEBRASKA 68802. <br />(E) "Note" means the promissory note signed by Borrower and dated January 18, 2013. The Note states that Borrower <br />owes Lender FORTY THOUSAND AND NO /100 Dollars (U.S. $40,000.00) plus interest. Borrower has promised to <br />pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2014. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 1 of 12 <br />IDS, Inc. <br />- T1 <br />0 <br />rrt <br />rrl <br />N CFI (n <br />cr) <br />Form 3028 1/01 <br />Borrower(s) Initials �G <br />m <br />N z <br />O 171 <br />O <br />f—a m <br />W � <br />C7 (1) <br />O <br />f—► C <br />PV � <br />m <br />z <br />--1 <br />z <br />0 <br />105' <br />