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200213507 <br />(B) "Borrower "is GORDON V. JENSEN AND BONNIE G. JENSEN. HUSBAND AND WIFE AS <br />JOINT TENANTS. <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is BANK OF AMERICA, N.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 1201 MAIN 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 NOVEMBER 25, 2002 <br />The Note states that Burrower owes Lender N I NETY TWO THOUSAND AND 00/ 100 <br />Dollars <br />(U.S. $ 92,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than DECEMBER 01, 2017 <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 />(11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The <br />following Riders are to be executed by Burrower [check box as applicable]: <br />0 Adjustable Rate Rider 0 Condominium Rider F-1 Second Home Rider <br />[� Balloon Rider Planned Unit Development Rider 0 1-4 Family Rider <br />0 VA Rider e Biweekly Payment Rider 0 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, eon-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 />m'uei <br />—fi1NEl moosx °a p,r, i er ,e Form 3028 1101 <br />UVNa 1122 /U2 12 :46 PM fi432UM64 <br />