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WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />3110 2nd Avenue <br />Kearney, NEBRASKA 68847 <br />This instrument was prepared by: <br />Exchange Bank <br />3110 2nd Avenue <br />Kearney, NEBRASKA 68847 <br />308 -237 -7711 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 1 of 13 <br />IDS, Inc, 31639 <br />DEED OF TRUST <br />rri <br />[Space Above This Una 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 28, 2016, together with all Riders to this <br />document. <br />(B) "Borrower" is Angus L Stephens, an unmarried man and Michaela A Nordhues, an unmarried woman as joint <br />tenants. 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 3110 2nd Avenue, Kearney, NEBRASKA 68847. Lender is the beneficiary under this Security <br />Instrument. <br />(D) "Trustee" is Exchange Bank. <br />Trustee's address is 3110 2nd Ave, Kearney, NEBRASKA 68847. <br />(E) "Note" means the promissory note signed by Borrower and dated April 28, 2016. The Note states that Borrower <br />owes Lender ONE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND NO /100 Dollars (U.S. $112,500.00) <br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later <br />than May 1, 2023. <br />Form 3028 1101 <br />Borrower(s) Initials <br />rn <br />ry d <br />CrY <br />CD <br />N C <br />Q) <br />cn <br />CO <br />