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CAST C 72.00 <br />CHECK <br />L117909Z0Z <br />13d211SSV •I• <br />When recorded, return to: <br />Exchange Bank <br />Attn: Final Documents <br />8008W Dodge Rd <br />Omaha, NE 68114 <br />Title Order No.: 2513742 <br />LOAN #: 12513896 <br />REFUNDS: <br />CASH <br />CHECK <br />RECORDED <br />HALL COUNTY NE <br />{NST 2QZS 0bUu3 1025 NOV 1 ;D 3: 23 <br />KR S`i l WOLD <br />REGISTER OF DEEDS <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in <br />Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document <br />are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated November 12, 2025, <br />together with all Riders to this document. <br />(B) "Borrower" is CRYSTAL C RIVERA AKA CRYSTAL RIVERA AND MICHAEL M RIVERA AKA <br />MICHAEL RIVERA, A MARRIED COUPLE. <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Exchange Bank. <br />Lender is a State Chartered Bank, <br />under the laws of Nebraska. <br />1204 Allen Dr, Grand Island, NE 68803. <br />organized and existing <br />Lender's address is <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Exchange Bank, 3110 2nd Avenue, PO Box 397, Kearney, NE 68848. <br />NEBRASKA--Single Family --Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />ICE Mortgage Technology, Inc. Page 1 of 10 <br />NEUDEED 0415 <br />NEUDEED (CLS) <br />11/10/2025 06:14 AM PST <br />F-J* <br />