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<br />200903471
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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 Mortgage Electronic Registration SySlems, Inc. MERS is a separale corporation that is 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 lhe laws of Delaware, and has an address and
<br />lelephone number of P.O. Box 2026, Flint, MI 48501-2026, leI. (888) 679-MERS.
<br />(F) "Note" means lhe promissory nole signed by Borrower and daled APRIL 24, 2009
<br />The Note stales iliat Borrower owes Lender ONE HUNDRED TEN THOUSAND AND NO/1 0 0
<br />Dollars
<br />(U . S. $ 11 0 , 0 0 0 . 0 0 ) plus interest. Borrower has promised La pay lhis debt in regular Periodic
<br />Payments and to pay lhe debt in full notlaler lhan MAY 1, 2029
<br />(G) "Property" means lhe property lhat is described below under lhe heading "Transfer of Rights in lhe
<br />Property. "
<br />(H) "Loan" means lhe debt evidenced by lhe Note, plus interest, any prepayment charges and late charges
<br />due under lhe Note, and all sums due under lhis Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to lhis Security Instrument lhat are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicablel:
<br />
<br />D Adjustable Rate Rider
<br />D Balloon Rider
<br />D VA Rider
<br />
<br />D Condominium Rider
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />D Second Home Rider
<br />D 1-4 Family Rider
<br />D Olher(s) [specify]
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<br />(J) "Applicable Law" means all controlling applicable federal, stale and local statules, regulations,
<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 lhe Property by a condominium association, homeowners
<br />association or similar organization.
<br />(L) "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 aulhorize 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 described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by
<br />any third party (olher than insurance proceeds paid under the coverages described in Section 5) for: (i)
<br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property;
<br />(iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
<br />condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the
<br />Loan.
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<br />_-6A(NE) (0407).01
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<br />Inilials: .J t> w
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<br />Page 2 of 15
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<br />Form 3028 1/01
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