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A► <br />rn <br />-n <br />0 a <br />_ et ca <br />- ▪ �� A Us <br />(3. W _ <br />w <br />U1 <br />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 />DEED OF TRUST <br />tl <br />Cn <br />C -H <br />— <br />[Space Above This Line For Recording Data] <br />MIN: 100846702011249122 <br />g SIS Telephone #: (888) 679 -MERS <br />e 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 />IPst (A) "Security Instrument" means this document, which is dated May 13, 2013, together with all Riders to this <br />.-1 document. <br />t ▪ (B) "Borrower" is Kevin J Willey and Cynthia A Willey, husband and wife. Borrower is the trustor under this Security <br />Instrument. <br />4 <br />(C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />.Z Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. <br />C2 (D) "Trustee" is U S Bank Home Mortgage <br />Pi 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 KJ <br />0 ° <br />li <br />m <br />.4 <br />c <br />--I <br />z <br />0 <br />