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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 />m <br />2 <br />ort Sts <br />in <br />DEED OF TRUST <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 />13, 18, 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 21, 2015, together with all Riders to this <br />document. <br />(B) "Borrower" is Andrew L Cochran and Brenda K Cochran, husband and wife. Borrower is the trustor under this <br />Security 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. Lender is the beneficiary <br />under this Security Instrument. <br />(D) "Trustee" is Exchange Bank. <br />Trustee's address is 1204 Allen Dr, Grand Island, Hall County NEBRASKA 68803. <br />(E) "Note" means the promissory note signed by Borrower and dated December 21, 2015. The Note states that Borrower <br />owes Lender ONE HUNDRED EIGHTY-NINE THOUSAND FIVE HUNDRED AND NO /100 Dollars <br />(U.S. $189,500.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the <br />debt in full not later than January 1, 2017. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT For 3028 1101 <br />Page 1 of l3 <br />DS, inc. Borrower(s) Initials , <br />