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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 />IDS, Inc. <br />ti <br />o.) a IR <br />DEED OF TRUST <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Page 1 of 12 <br />Borrower(s) Initials <br />c> cf <br />w O --4 <br />C D <br />. yi? Z -H <br />- rn <br />O <br />F O "1 <br />[Space Above This Line For Recording Data] <br />DEFINITIONS <br />O Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />a 13, 18, 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 April 9, 2013, together with all Riders to this <br />document. <br />(B) "Borrower" is Jeanette L Royle, a single woman. Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />f 7 r-1 Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. Lender is the beneficiary <br />under this Security Instrument. <br />(D) "Trustee" is Exchange Bank. <br />C Trustee's address is 1204 Allen Drive, PO Box 5793, Grand Island, Hall County NEBRASKA 68802. <br />C) (E) "Note" means the promissory note signed by Borrower and dated April 9, 2013. The Note states that Borrower owes <br />Co) Lender FORTY THOUSAND AND NO /100 Dollars (U.S. $40,000.00) plus interest. Borrower has promised to pay this <br />debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2020. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the <br />Note, and all sums due under this Security Instrument, plus interest. <br />Form 3028 1/01 <br />