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200316426 (C) "Lender" is U.S. BANK N.A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws ofTHE UNITED STATES OF AMERICA Lender's address is 4801 FREDERICA STREET, OWENSBORO, KY 42301 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is MARK HUNZEKER (E) "Note" means the promissorynote signed by Borrower and dated DECEMBER 23, 2003 The Note states that Borrower owes Lender THIRTY EIGHT THOUSAND AND N01100 Dollars (U.S. $ 38,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thaffANUARY 1, 2034 (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. (H) "Riders" means all Riders to this Security Instrumentthat are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider 0 Balloon Rider 0 Planned Unit Development Ride 1 -4 Family Rider 0 VA Rider 0 Biweekly Payment Rider EJ Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrativerules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (J) "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. (K) "Electronic Funds Transfer" means any transferof funds, other than a transactionoriginatedby 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. (L) "Escrow Items" means those items that are describedin Section 3. (M) "Miscellaneous Proceeds" means any compensation,settlement,award of damages, or proceedspaid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damageto, or destructionof, the Property; (ii) condemnationor othertaking of all or any part of the Property; (iii) conveyance in lieu of condemnationor (iv) misrepresentationmf, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insuranceprotectingLenderagainst the nonpaymentof, or default on, the Loan. Initials: Page 2 of 15 Form 3028 1/01