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200209408 <br />(B) "Borrower" is DAVID GALL A /K /A DAVID P. GALL AND KAREN GALL, HUSBAND AND <br />WIFE <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is BANK OF AMERICA, IN A, <br />Lender is 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 3064 NORTH COMMERCE PARKWAY, MIRAMAR, FL 330250000 <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 SEPTEMBER 05, 2002 . <br />The Note states that Borrower owes Lender E I GHTY E I GHT THOUSAND AND 00/ 100 <br />Dollars <br />(U S. $ 88,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than OCTOBER 01, 2032 <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights <br />in the Property." <br />(G) "Load' 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 />X <br />I Adjustable Rate Rider <br />0 <br />Condominium Rider <br />[7 Second IIome Rider <br />0 <br />Balloon Rider <br />E:] <br />Planned Llnit Development Rider <br />0 1-4 Family Rider <br />C] <br />VA Rider <br />U <br />Biweekly Payment Rider <br />F7 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 />N) "Community Association Dues, Pees, 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 aothoriae <br />imu "i ", Van •� <br />—61NE1 moosi.oa p,q, 2 o, 1D V Form 3028 1/01 <br />6VNE 09/03/02 8:43 PM 6169382110 <br />