Charter Bank of Gainesville had in its possession a note containing the following provision: "This note with interest is secured by a mortgage on real estate, of even date herewith, made by the maker hereof in favor of said payee.... The terms of said mortgage are by this reference made a part hereof." When the bank sued on the note, it said it was a holder of a negotiable instrument. Is this instrument negotiable? [Holly Hill Acres, Ltd. v. Charter Bank of Gainesville, 314 So.2d 209 (Fla. App.)]