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N� G°1 " _ <br />;"7 <br />+ y <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 />IDS, Inc. <br />DEED OF TRUST <br />NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERS <br />Page 1 of 13 <br />r <br />r <br />n <br />rn <br />01 <br />r <br />Borrower(s) Initials <br />(.J <br />• <br />-4 <br />(T) <br />[Space Above This Line For Recording Data] <br />MIN: 100029000121273044 <br />SIS Telephone #: (888) 679 -MERS <br />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 />(A) "Security Instrument" means this document, which is dated December 11, 2014, together with all Riders to this <br />document. <br />(13) "Borrower" is Andrew Encinger and Julie Encinger, 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 />Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. <br />(D) "Trustee" is Exchange Bank <br />Trustee's address is 1204 Allen Drive, PO Box 5793, Grand Island, Hall County NEBRASKA 68802. <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 />Form 3028 1/01 <br />„ Ov <br />