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[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
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<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated DECEMBER 9, 2004 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is RONALD TELECKY AND SHERYL TELECKY HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a NEBRASKA BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1333 N WEBB RD, GRAND I S LAND , NEBRASKA 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is HERITAGE BANK 1333 N Webb Road Grand Island NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 9, 2004
<br />The Note states that Borrower owes Lender ONE HUNDRED FIVE THOUSAND AND 00/100
<br />Dollars (U.S. $ 105, 000 . 00 )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
<br />than JANUARY 1, 2035
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider ❑ Second Home Rider
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<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
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<br />Loan Number: 644815193
<br />[Space Above This Line For Recording Data]
<br />DEED OF TRUST
<br />DEFINITIONS
<br />ss
<br />scd
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
<br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />(A) "Security Instrument" means this document, which is dated DECEMBER 9, 2004 , together
<br />with all Riders to this document.
<br />(B) "Borrower" is RONALD TELECKY AND SHERYL TELECKY HUSBAND AND WIFE
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is HERITAGE BANK
<br />Lender is a NEBRASKA BANKING CORPORATION organized
<br />and existing under the laws of NEBRASKA
<br />Lender's address is 1333 N WEBB RD, GRAND I S LAND , NEBRASKA 68803
<br />Lender is the beneficiary under this Security Instrument.
<br />(D) "Trustee" is HERITAGE BANK 1333 N Webb Road Grand Island NE 68803
<br />(E) "Note" means the promissory note signed by Borrower and dated DECEMBER 9, 2004
<br />The Note states that Borrower owes Lender ONE HUNDRED FIVE THOUSAND AND 00/100
<br />Dollars (U.S. $ 105, 000 . 00 )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
<br />than JANUARY 1, 2035
<br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />❑
<br />Adjustable Rate Rider
<br />❑
<br />Condominium Rider ❑ Second Home Rider
<br />❑
<br />Balloon Rider
<br />❑
<br />Planned Unit Development Rider ❑ Other(s) [specify]
<br />❑
<br />1 -4 Family Rider
<br />❑
<br />Biweekly Payment Rider
<br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial
<br />opinions.
<br />(,n "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />NEBRASKA -- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DOCMagiC 800- 649 -7362
<br />Form 3028 1 /01 Page 1 of 11 www.docmagic.com
<br />NOM&dot.Ltem 1111111111111111111111111111111111111111 1111111111111111
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