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200409694 <br />(B) "Borrower" is JERALD L CHR I STENSEN SR, A S I NGLE PERSON <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is BANK OF AMER I CA , N.A. <br />Lender isa NATIONAL BANKING ASSOCIATION <br />organized and existing under the laws of THE UN I TED STATES OF AMER I CA <br />Lender's address is 1201 MA I N STREET, 7TH FLOOR, DALLAS, TX 752020000 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is LAWYERS TITLE INSURANCE CO. <br />(E) "Note" means the promissory note signed by Borrower and dated AUGUST 26, 2004 <br />The Note states that Borrower owes Lender ONE HUNDRED TWENTY ONE THOUSAND F I VE <br />HUNDRED AND 00/100 Dollars <br />(U.S. $ 121 , 500.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than SEPTEMBER 01, 2034 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights <br />in the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late <br />charges 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 <br />following Riders are to be executed by Borrower [check box as applicable]: <br />HAdjustable Rate Rider F—] Condominium Rider F-] Second Home Rider <br />Balloon Rider F-� Planned Unit Development Rider 1 -4 Family Rider <br />VA Rider 0 Biweekly Payment Rider Other(s) [specify] <br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, <br />regulations, ordinances and administrative rules and orders (that have the effect of law) as well as <br />all applicable final, non-appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, <br />assessments and other charges that are imposed on Borrower or the Property by a condominium <br />association, homeowners association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction <br />originated by check, draft, or similar paper instrument, which is initiated through an electronic <br />terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize <br />Initia • �1'� l <br />�® 6(NE) c0006>.oz P,ya 2 of 16 Form 3028 1/01 <br />CVNE 08/26/04 12:51 PM 6289881580 <br />