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<br />200806270
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<br />(C) "Lender" is U.S. BANK N .A.
<br />
<br />Lender is a 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 />
<br />(D) "Trustee" is THOMAS LOCHER,
<br />2002 DOUGLAS STREET, OMAHA, NE 68102
<br />(E) "MERS" is MortgageElectronicRegistrationSystems, Inc. MERSis a separatecorporationthatis acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this
<br />Security Instrument MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of P.o. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated JULY 22,2008
<br />The Note states that Borrower owes Lender ONE HUNDRED ELEVEN THOUSAND SEVEN HUNDRED
<br />SEVENTY FIVE AND NO/100 DollMs
<br />(D .S. $ 111, 775 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later thaAUGUST 1,2038
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest,any prepaymentchMges and late chMges
<br />due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrumentthat are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />
<br />D Adjustable Rate Rider D Condominium Rider D Second Home Rider
<br />D Balloon Rider D Planned Unit Development RideD 1-4 Family Rider
<br />D VA Rider D Biweekly Payment Rider D Other( s) [specify]
<br />
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regnlations,
<br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
<br />non-appealable judicial opinions.
<br />(K) "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 />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transactionoriginatedby 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 institution 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 />(M) "Escrow Items" means those items that are describedin Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation,settlement,award of damages, or proceeds paid by
<br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
<br />damage to, or destructionof, the Property; (ii) condemnationor other taking of all or any part of the Property;
<br />(ill) conveyance in lieu of condemnation;or (iv) misrepresentatiomof, or omissions as to, the value and/or
<br />condition of the Property.
<br />(0) "Mortgage Insurance" meansinsuranceprotectingLender against the nonpayment of, or default on, the
<br />Loan.
<br />
<br />.-6A(NE) (0407).01
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