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(C) "Lender" is U.S. BANK N.A. <br />200302475 <br />Lender is NATIONAL ASSOCIATION <br />organized and existing under the laws of THE UNITED STATES OF AMERICA <br />Lender's address is 4801 FREDERICA STREET, OWENSBORO, KY 42301 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is MARK HUNZEKER <br />(E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 24, 2003 <br />The Note states that Borrower owes Lender SIXTY NINE THOUSAND NINE HUNDRED AND <br />N01100 Dollars <br />(U.S. $ 69, 900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than MARCH 1, 2013 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges <br />due under the Note, and all sums due under this Security Instrument, plus interest. <br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following <br />Riders are to be executed by Borrower [check box as applicable]: <br />0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider <br />Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider <br />0 VA Rider Biweekly Payment Rider 0 Others) [specify] <br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and admin]stratve rules and orders (that have the effect of law) as well as all applicable fund, <br />non - appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial mstilamon to, debit or credit an <br />account- Such term includes, but is not limited to, point -of -sale transfers, automated teller machine <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by <br />my third party (other than insurance proceeds paid under die coverages described in Section 5) foe (i) <br />damage to, or destruction of, the Property; (it) condemnation or other taking of all or any part of the Property; <br />(iii) conveyance in lieu of condemnation or (fv) misrepresentations of, or omissions as to, the value and /or <br />condition of the Property. I i <br />(N) "Mortgage Insurance" means insurance protecting 'Lender against the nonpayment of, or default on, the <br />Loan. j <br />i <br />4(NE) -t0005 eggs ar;is ! Form3828 1/81 <br />C f <br />