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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 />a' <br />r111 DEFINITIONS <br />a DEED OF TRUST <br />.c <br />(DW <br />2 w c <br />> „ C D <br />CO —< - C <br />Q . r\) O - 71 <br />rn r D <br />U7 <br />N �c <br />cr <br />— — <br />C.J w <br />U) <br />[Space Above This Line For Recording Data] <br />MIN: 100846702011245955 <br />SIS Telephone #: (888) 679 -MERS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3,11,13,18, <br />f" 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />rn (A) "Security Instrument" means this document, which is dated February 19, 2013, together with all Riders to this <br />4 document. <br />A7 <br />, C (B) "Borrower" is Matthew C Oliver and Amy E Oliver, husband and wife. Borrower is the trustor under this Security <br />Instrument. <br />CO, (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 <br />fN,) <br />O <br />I <br />CA) <br />c <br />(n <br />Co) <br />Co <br />