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<br />WNEN RECORDED, MAiL TO:
<br />Exchange Bank
<br />1204 Allen Drive, PO Box 5793
<br />Grand island, NEBRASKA 68802
<br />This instrument was prepared by:
<br />Exchange Bank
<br />1204 Allen Drive, PO Box 5793
<br />Grand island, NEBRASKA b8802
<br />308-382-290D
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<br />MIN:1QQ$467100$4fi70173
<br />DEFINi'T'�ONS
<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 regardin� the usage ofwords used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated December 9, 2010, together with all Riders to this document.
<br />(B) "Borrower" is JONATHAN T ENCK, a singlc man. Barrower is the trustor under this Security instrument.
<br />(C) "Lender" is Exchange Bank, organized and existing under the laws of the United States af America.
<br />Iaender's address is 1204 Allen Drive, Pn iiox 5793, Grand island, NEBRASKA 68802.
<br />(D) "Tri�stee" is Central National Bank.
<br />'Crustee's address is PO Box 268, Superinr, Nuckulls Cvunty NEBRASKA 68978.
<br />(E) "MERS" is Mortgage Electronie Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for
<br />Lender and Lender's successors and assi�ns. MERS is the l�eneficiary under this Security instrument. MERS is or�anized and existing
<br />under the laws of Delaware, and has an address and telephone number of P.O. �3ox 2026, Flint, MI 48501-2026, tel. (888) 679-M�RS,
<br />(F) "Note" means the promissory note signed 6y Borrower and dated December 9, 2010. The Note states that Borrower owes Lender
<br />SEVENTY-TWO THOUSAND AND NO/l00 Dollars (U.S. $72,Q00.00) plus interest. Borrower has promised to pay this debt in regulae
<br />Periodic Payments and ta pay the debt in full nok later than January 1, 2031.
<br />(G) "Property" means the property that is descrihed below under the heading "Transfer of Rights in the Property"
<br />(H) "Lnan" means the debt evidenced hy the Note, plus interest, any prepayment charges and late charges duc under the Note, and al I sums
<br />duc under this Security Instrument, plus interest.
<br />(T) "Riders" means all Riders to this Security Instniment that are executed by Barrower. The following Riders are ta be executed by
<br />Borrower (check bax as applicable):
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 5econd Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ VA Rider
<br />❑ 1-4 Family T�ider ❑ �3iweekly Payment Ridcr
<br />❑ Other (Specify) -
<br />(.n "Applicable Law" means all controlling applicable federal, scate 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 />(K) "Cammunity Assaciation pues, 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 />(L) "Electronic Funds Transfcr" 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 rnagnetic tape so as to order, instruct, or
<br />auchorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, autamated
<br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transFers.
<br />(11� "Escrow Items" rneans those items that are described in Section 3.
<br />(l� "Miscellaneous Proceeds" means any compensation, settlement, award oFdama�es, or procceds paid by any third party (other than
<br />insurance proceeds paid under the covera�es described in Section 5) for: (i) damage to, or destruction of, the Propetty; (ii) condemnation or
<br />NEBRASKA -Single Family-Fannie Mae/FrQddie Mac UNIFORM INSTRUMENT wlth MERS Form 3028 1/01
<br />Page 1 of 8
<br />i�s, inc. Borrower(s) Initials �
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