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Xi <br />g <br />N <br />0 <br />s x el lo <br />-P. r X <br />WHEN RECORDED, MAIL TO: <br />Exchange Bank <br />7655 Pioneers Blvd, <br />Lincoln, NEBRASKA 68506 <br />This instrument was prepared by: <br />Exchange Bank <br />7655 Pioneers Blvd, <br />Lincoln, NEBRASKA 68506 <br />402 - 328 -8527 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Page 1of13 <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 October 11, 2016, together with all Riders to this <br />document. <br />(B) "Borrower" is Kent K Koch and Kacey E Koch, husband and wife, as joint tenants. Borrower is the trustor under <br />this Security Instrument. <br />(C) "Lender" is Exchange Bank, organized and existing under the laws of NEBRASKA. <br />Lender's address is 7655 Pioneers Blvd„ Lincoln, NEBRASKA 68506. Lender is the beneficiary under this Security <br />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 October 11, 2016. The Note states that Borrower <br />owes Lender ONE HUNDRED SEVENTY THOUSAND TWO HUNDRED EIGHTY-NINE AND NO /100 Dollars <br />Form 3028 1/01 <br />Borrower(s) Initials <br />O <br />CD <br />CTS <br />(0 <br />—C <br />