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cED <br />el <br />WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />7655 Pioneers Blvd <br />Lincoln, NEBRASKA <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 />NEBRASKA Single Family- Fannie MaefFreddie Mac UNIFORM INSTRUMENT <br />Page 1 01 13 <br />IDS, Inc. - 31639 <br />DEED OF TRUST <br />c <br />�1 <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 July 27, 2016, together with all Riders to this <br />document. <br />(B) "Borrower" is David J Vitera and Debra L Vitera, husband and wife, as joint tenants. Borrower is the trustor <br />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 West Gate Bank. <br />Trustee's address is 6003 Old Cheney Road, Lincoln, Lancaster County NEBRASKA 68516. <br />(E) "Note" means the promissory note signed by Borrower and dated July 27, 2016. The Note states that Borrower owes <br />Lender ONE HUNDRED TWENTY -THREE THOUSAND AND N0 /100 Dollars (U.S. $123,000.00) plus interest. <br />Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, <br />2031. <br />Form 3028 1/01 <br />Bonower(s) Initials �f✓ 1 l/ <br />rVG1 <br />CD <br />CD <br />crA cc J� <br />