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DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated October 31, 2001 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />KEVIN L LOCKHART & SANDII S. LOCKHART, HUSBAND & WIFE, JTWROS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS, INC. <br />Lender is a CORPORATION <br />organized and existing under the laws of NEBRASKA <br />Lender's address is 14542 WEST CENTER ROAD <br />OMAHA, NE 68144 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is MICHAEL KIVETT <br />(E) "Note" means the promissory note signed by Borrower and dated October 31, 2001 <br />The Note states that Borrower owes Lender One Hundred Sixty Three Thousand Four Hundred DOLLARS <br />and Zero CENTS <br />Dollars (U.S. $ 163,400.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than November 1, 2031 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 1/ <br />Laser Forms orms Inc. ( (800) 446 -3555 <br />LFI#FNMA3028 1/01 (A) Page 1 of 13 Initials: <br />I <br />n <br />(1 <br />p <br />rn <br />T <br />!'1 Z <br />D 10 <br />r) <br />7C <br />X <br />o r <br />.�. <br />C <br />m <br />cn <br />Irri <br />� <br />' <br />Z <br />c�C <br />�.^ <br />C=: <br />- C <br />O �. <br />C� <br />n <br />M <br />After Recording Return To: <br />C' <br />o <br />3 <br />rn <br />rn <br />y_ <br />n <br />vl <br />r�'- <br />--,u <br />r- A <br />~ <br />Cn <br />in <br />w <br />CO <br />D <br />CD <br />wP�ft <br />ca <br />M <br />Cn <br />Cn <br />n <br />CIO <br />[Space Above This Line For Recording Data] <br />Loan No: FLAG- 998493100 <br />DEED <br />OF TRUST <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated October 31, 2001 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />KEVIN L LOCKHART & SANDII S. LOCKHART, HUSBAND & WIFE, JTWROS <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is MORTGAGE EXPRESS, INC. <br />Lender is a CORPORATION <br />organized and existing under the laws of NEBRASKA <br />Lender's address is 14542 WEST CENTER ROAD <br />OMAHA, NE 68144 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is MICHAEL KIVETT <br />(E) "Note" means the promissory note signed by Borrower and dated October 31, 2001 <br />The Note states that Borrower owes Lender One Hundred Sixty Three Thousand Four Hundred DOLLARS <br />and Zero CENTS <br />Dollars (U.S. $ 163,400.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than November 1, 2031 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 1/ <br />Laser Forms orms Inc. ( (800) 446 -3555 <br />LFI#FNMA3028 1/01 (A) Page 1 of 13 Initials: <br />I <br />