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2,02102547 202007402 (B) "Borrower" is KATIUSKA MORALES HERNANDEZ, a single woman. Borrower is the trustor under this Securitnstrument. (C) "Lender" is U.S. Bank National Association. Lender is a national bank organized and existing under the laws of the United States of America. Lender's address is 4801 Frederica Street, Owensboro, KY 42301. (D) "Trustee" is Mr. Thomas Locher. (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) "Note" means the promissory note signed by Borrower and dated September 29, 2020. The Note states that Borrower owes Lcndcr One hundred two thousand nine hundred ninety-nine and 00/100 Dollars (U.S. $102,999.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2050. (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan " means the debt evidenced by the Note, plus interest, and lase charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that arc executed by Borrower. The following Riders arc to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Planned Unit Development Rider g Other: Tax Exempt Financing Rider Fvy, tr - e -t Fax GYl d Hu p O Rehabilitation Loan Rider: -coo( Y R_LekK_ (J) "Applicable Law" means all controlling applicable federal, state and local states, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association. homeowners association or similar organization. (L) "Electronic Funds Trans%r" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M)"Escrow Items" means those items that are described in Section 3. (N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of FHA Deed of Trust with MENS -NE Welters Kluwer Financial Services. Inc. 2201141745 2020092920.2.0.2206J20200528Y I 9/30/20 4 04/2020 Page 2 of 6