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m <br />M -Ti C <br />cD s <br />nv <br />v_ -12 <br />co <br />WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />1204 Allen Drive <br />Grand Island, NEBRASKA 68802 <br />This instrument was prepared by: <br />Exchange Bank <br />1204 Allen Drive <br />Grand Island, NEBRASKA 68802 <br />308 -382 -2900 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 1 of 13 <br />IDS, Inc.. 31639 <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 April 15, 2016, together with all Riders to this <br />document. <br />(B) "Borrower" is HECTOR M RUBIO, MARRIED MAN. Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Exchange Bank, organized and existing under the laws of NEBRASKA. <br />Lender's address is 1204 Allen Drive, Grand Island, NEBRASKA 68802. Lender is the beneficiary under this Security <br />Instrument. <br />(D) "Trustee" is Exchange Bank. <br />Trustee's address is 1204 Allen Drive, Grand Island, NEBRASKA 68803. <br />(E) "Note" means the promissory note signed by Borrower and dated April 15, 2016. The Note states that Borrower <br />owes Lender ONE HUNDRED FIFTY THOUSAND AND NO /100 Dollars (U.S. $150,000.00) plus interest. Borrower <br />has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2023. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />Form 3028 1/01 <br />Borrower(s) Initials <br />