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WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />1204 Allen Drive,PO Box 5793 <br />fr <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 />OS, Inc. - 31639 <br />m <br />-n <br />C <br />z <br />rn <br />r to f /f <br />DEED OF TRUST <br />Borrower(s) Initials <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 May 9, 2016, together with all Riders to this document. <br />(B) "Borrower" is JACOB RMARTIKAINEN AND KATIE F MARTIKAINEN, HUSBAND AND WIFE. Borrower <br />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,PO Box 5793, Grand Island, NEBRASKA 68803. Lender is the beneficiary <br />under this Security 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 May 9, 2016. The Note states that Borrower owes <br />Lender TWO HUNDRED FORTY THOUSAND AND NO /100 Dollars (U.S. $240,000.00) plus interest. Borrower has <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2023. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />NEBRASKA - Single Femily- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fort 3028 <br />Page 1 of 13 <br />