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<br />
<br />WHEN RECORDED, MAll. TO:
<br />Exchange Bank
<br />1204 Allen Drive, PO Box 5793
<br />Grand Island, NEBRASKA 68802
<br />
<br />This Instrument was prepared by:
<br />Exchange Bank
<br />1204 Allen Drive, PO Box 5793
<br />Grand Island, NEBRASKA 68802
<br />308-382-2900
<br />
<br />"
<br />L/
<br />1- 5. So
<br />
<br />[Space Above This Line For Recording Data]
<br />
<br />DEED OF TRUST
<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3,11,13,18,20 and 21.
<br />Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />
<br />(A) "Security Instrument" means this document, which is dated June 13,2008, together with all Riders to this document.
<br />
<br />(B) "Borrower" is Andrea L Stanley and Thad R Stanley, wife and husband. Borrower is the trustor under this Security Instrument.
<br />
<br />(C) "Lender" is Exchange Bank, organized and existing under the laws of the United States of America.
<br />Lender's address is 1204 Allen Drive, PO Box 5793, Grand Island, NEBRASKA 68802. Lender is the beneficiary under this Security
<br />Instrument.
<br />
<br />(D) "Trustee" is First National Bank of Omaha.
<br />Trustee's address is 1620 Dodge Street, Omaha, Douglas County NEBRASKA 68102.
<br />
<br />(E) "Note" means the promissory note signed by Borrower and dated June 13,2008. The Note states that Borrower owes Lender ONE
<br />HUNDRED TWENTY-FIVE THOUSAND THIRTY AND NOlI 00 Dollars (U.S. $125,030.00) plus interest. Borrower has promised to
<br />pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1,2038.
<br />
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums
<br />due under this Security Instrument, plus interest.
<br />
<br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by
<br />Borrower [check box as applicable]:
<br />D Adjustable Rate Rider
<br />D Balloon Rider
<br />D 1-4 Family Rider
<br />D Other (SpecifY)
<br />
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and
<br />orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />
<br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on
<br />Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper
<br />instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or
<br />
<br />D
<br />D
<br />D
<br />
<br />Condominium Rider
<br />Planned Unit Development Rider
<br />Biweekly Payment Rider
<br />
<br />D
<br />D
<br />
<br />Second Home Rider
<br />VA Rider
<br />
<br />NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Page 1 of9
<br />
<br />Form 3028 1/01
<br />Borrower(s) Initials ~ 13
<br />
<br />IDS, Inc.
<br />
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