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WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />1204 Allen Drive, PO Box 5793 <br />Grand Island, NEBRASKA 68803 <br />This instrument was prepared by: <br />Exchange Bank <br />1204 Allen Drive, PO Box 5793 <br />Grand Island, NEBRASKA 68803 <br />308 - 382 -2900 <br />m <br />-n <br />n <br />2 <br />t to <br />X Z <br />o f <br />DEED OF TRUST <br />: J <br />1-' <br />C J <br />r\) <br />[Space Above This Line For Recording Data] <br />MIN: 100846700000015835 <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 February 17, 2016, together with all Riders to this <br />document. <br />(B) "Borrower" is Doug P Lees and Carolyn F Lees, 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 NEBRASKA. <br />Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68803. <br />(D) "Trustee" is Exchange Bank <br />Trustee's address is 1204 Allen Drive, Grand Island, NEBRASKA 68803. <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 />NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Form 3028 1/01 <br />Page 1 of 13 4 <br />DS, inc. Borrower(s) Initials AIDS -4 <br />