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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 />DEED OF TRUST <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 />[Space Above This Line For Recording Data) <br />MIN: 100846702011258388 <br />SIS Telephone #: (888) 679 -MERS <br />MN <br />..-,, C DEFINITIONS <br />■ M Words used in multiple sections of this document are defined below and other words are defined in Sections 3,11,13, <br />a 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />U G) ( "Security Instrument" means this document, which is dated January 8, 2014, together with all Riders to this <br />S document. <br />.._-1 (B) "Borrower" is Douglas A Holmes and Deborah T Holmes, husband and wife. Borrower is the trustor under this <br />rn Security Instrument. <br />Vi (C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />M Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. <br />arc <br />(D) "Trustee" is U S Bank Home Mortgage <br />rn Trustee's address is 4801 Frederica Street , Owensboro, Daviess County KENTUCKY 42301. <br />H <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 />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of <br />P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. <br />0 <br />