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LOAN $: 2231749 2002093 2 [Space Above Thia Line For Recording DEED OF TRUST DF.FINTTTONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, l8, 20 and 21. Certain roles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated AUGUST 28, 2002, together with all Riders to this document. (B) "Borrower" is RICKEY L LOCKARD AND MICHELLE L LOCKARD, HUSBAND AND WIFE. Borrower is the truster under this Security Instrument. (C)`Lender"is CENTRAL NATIONAL BANK. Lender is a NATIONAL BANK organized and existing under the laws of THE UNITED STATES OF AMERICA. Lender's address is 411 NORTH NATIONAL STREET, SUPERIOR, HE 68978. Lender is the beneficiary under this Security Instrument. (D) "Trustee " is CENTRAL NATIONAL BANK, A NATIONAL BANK. (E) "Note" means the promissory note signed by Borrower and dated AUGUST 28, 2002. The Note states that Borrower owes Lender ***********************SIXTY THOUSAND THREE HUNDRED FIFTY AND N01100 + xxxxx++++++ x + + *xxxx+xxxxxxx + + + + ++ + + + + +xx +xx xxx xxxxxxx + + ++ Dollars (U.S. $60,350.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2017. (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 order this Security Instrument, plus interest. (B) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider 0 Condominium Rider n Second Horne Rider = Balloon Rider =Planned Unit Development Rider n Others) [specify] — 1 -4 Family Rider 0 Biweekly Payment Rider N ERRASKA— Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials: i� M� F—u 30281101 Page 1 of 8 NEUDEEII 0109 i n in T T in rn Y n 0 C n n N o V r^ Z T r 1 CAfter Recording Return To: NATIONAL BANK nCENTRAL P.O. BOX 268 M fn SUPERIOR, NE 68978 -0268 LOAN $: 2231749 2002093 2 [Space Above Thia Line For Recording DEED OF TRUST DF.FINTTTONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, l8, 20 and 21. Certain roles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated AUGUST 28, 2002, together with all Riders to this document. (B) "Borrower" is RICKEY L LOCKARD AND MICHELLE L LOCKARD, HUSBAND AND WIFE. Borrower is the truster under this Security Instrument. (C)`Lender"is CENTRAL NATIONAL BANK. Lender is a NATIONAL BANK organized and existing under the laws of THE UNITED STATES OF AMERICA. Lender's address is 411 NORTH NATIONAL STREET, SUPERIOR, HE 68978. Lender is the beneficiary under this Security Instrument. (D) "Trustee " is CENTRAL NATIONAL BANK, A NATIONAL BANK. (E) "Note" means the promissory note signed by Borrower and dated AUGUST 28, 2002. The Note states that Borrower owes Lender ***********************SIXTY THOUSAND THREE HUNDRED FIFTY AND N01100 + xxxxx++++++ x + + *xxxx+xxxxxxx + + + + ++ + + + + +xx +xx xxx xxxxxxx + + ++ Dollars (U.S. $60,350.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2017. (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 order this Security Instrument, plus interest. (B) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider 0 Condominium Rider n Second Horne Rider = Balloon Rider =Planned Unit Development Rider n Others) [specify] — 1 -4 Family Rider 0 Biweekly Payment Rider N ERRASKA— Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials: i� M� F—u 30281101 Page 1 of 8 NEUDEEII 0109