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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 />x <br />r V+ <br />DEED OF TRUST <br />NEBRASKA - Single Family- Fannle Mae/Freddle Mac UNIFORM INSTRUMENT <br />Page 1 of 13 <br />IDS, Inc, <br />- f <br />rh <br />[Space Above This Line For Recording Data] <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />C7 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />mic <br />3:1, (A) "Security Instrument" means this document, which is dated October 20, 2014, together with all Riders to this <br />document. <br />(B) "Borrower" is Loyed Jay Wren and Nancy J Wren, husband and wife. Borrower is the trustor under this Security <br />_ Instrument. <br />(C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America. <br />r .. Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. Lender is the beneficiary <br />t*1 under this Security Instrument. <br />rri (D) "Trustee" is Exchange Bank. <br />Trustee's address is 1204 Allen Drive, PO Box 5793, Grand Island, Hall County NEBRASKA 68802. <br />5 (E) "Note" means the promissory note signed by Borrower and dated October 20, 2014. The Note states that Borrower <br />owes Lender ONE HUNDRED EIGHTY-SEVEN THOUSAND AND NO /100 Dollars (U.S. $187,000.00) plus <br />interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />November 5, 2021. <br />(F ) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />CO <br />Borrower(s) Initials <br />" u � <br />Form 30 /01 <br />