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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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated JANUARY 23, 2002 together with all Riders to this document. (B) "Borrower" is EARL J. HARDY AND LINDA R. HARDY, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is MOUNTAIN WEST FINANCIAL, INC. Lender is a CORPORATION organized and existing under the laws of CALIFORNIA Lender's address is 1902 ORANGE TREE LANE #140 REDLANDS, CA 92374 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY (E) "Note" means the promissory note signed by Borrower and dated JANUARY 23, 2002 The Note states that Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100 Dollars (U.S. $ 74, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1, 2032 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 Doc UINEI (Page I of 12 pages) DOCUINEI.WX 12/01/2000 i = D -mn f) C� Z C1 CA M N N C7 = ry o -1 0 --z M rr O crn> CO2 n N y tl � O C cn N C0 C �-► .�� C After Recording Return To: o cn �. O • MOUNTAIN WEST FINANCIAL, INC. "' 1902 ORANGE TREE LANE #140 2 0 0 2 0 0 9 5 i-- --� REDLANDS, 92374 0 [Space Above This Line For Recording Data] C, DEED OF TRUST LOAN NUMBER: P51C0003 PARCEL NUMBER: 400016303 DEFINITIONS 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. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated JANUARY 23, 2002 together with all Riders to this document. (B) "Borrower" is EARL J. HARDY AND LINDA R. HARDY, HUSBAND AND WIFE Borrower is the trustor under this Security Instrument. (C) "Lender" is MOUNTAIN WEST FINANCIAL, INC. Lender is a CORPORATION organized and existing under the laws of CALIFORNIA Lender's address is 1902 ORANGE TREE LANE #140 REDLANDS, CA 92374 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY (E) "Note" means the promissory note signed by Borrower and dated JANUARY 23, 2002 The Note states that Borrower owes Lender SEVENTY -FOUR THOUSAND AND 00 /100 Dollars (U.S. $ 74, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1, 2032 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1 /01 Doc UINEI (Page I of 12 pages) DOCUINEI.WX 12/01/2000 i