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� <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 />ri <br />c <br />2 <br />DEED OF TRUST <br />rte, <br />S s C - <br />r-- <br />r c•1.. --4 MI <br />v) <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: 100846702011262133 <br />SIS Telephone #: (888) 679 -MERS <br />32 .- DE DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined ]n Sections 3,11,13,18, <br />Rt 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />5 (A) "Security Instrument" means this document, which is dated April 16, 2014, together with all Riders to this <br />document. <br />(B) "Borrower" is Gerran C Wilkens and Tonya C Wilkens, husband and wife, as joint tenants with right of <br />e survivorship. Borrower is the trustor under this Security Instrument. <br />C (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 />rn <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 />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 />