HomeMy WebLinkAbout0921\"y • ~
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~oucheasc~.`~Fisat,`National~~ sank o!. e. ~~rc
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Th ~ Wo~ds /, m~ sndl m~ mean th~_bo~~ow~r,and,sn~ra~~:p ~ ~~` h
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so~-uwer s Name .~~~ K, ,
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Th~s ~s the agreement that covers my loan with you. 1 understand that a~yone who s~gns this agreeme^t vt~~~ o.~ cga-ty.r~~y;,..;;~
ltogether and individually) tor repaying the total amount owed, unless they are only s~gning ta g:+a you a val+d security interost. ~
Promis~ to pay. To rep ~y my loan. 1 promise to pay you the total of paymenis shown in Item 1 1 below ~n 4~ monthly
~nstalments of S 131i 75 gach. 1'll begin making payments o~ Feb• ~ . 19 81 ~nd will
conunue to pay on the same day each month until the loan is paid in fufl. 1'll make payme~ts in person o~ by mail at the office
you specdy.
Hers's s b~~akdown of my loan: P-op~rty Irnurs~cs. 1 w~tl keep the prope-ty sacunng ihis loan
1 Amou~t 1 received S 4, 500.0~ insured agai~st loss or damage. I understand that I may purchss~ th~s
2 Appraisel tee ....... .. S na insurance th~ough you. ~n which case the cost and term w~N sppsar in
iFar Aeal Estate loansonlyl the loan breakdown (8 A 6 81, or trom anyone else 1 choose_ Eithe-
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A8
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S way. I
ll make the pol~cy payable to yQu.
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ee .. ..
ecording
3 11 1 don
t keep it insured or pay premiums on time, you csn psy them
4 Opt~onal cred~t I~fe (or me or cancel the pol~cy and get ~~~wraoce elsewhere. If you do
insurance .......... . S 189.72 purchase such inwrance elsewhere. you can seleCt insurinCe wh~ch
5 Optional cred~t d~sabd~ty protects only your ~nterest in the collateral or which protects my
ng
~nsu~ance
S ~nterest and your interest, and in either esse 1 will psy (or any
._.......
7
05 prem~ums you advance w~th interest computed at an ANNUAL
6 Stamp tax ......... S
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~ PERCENTAGE RATE of 18%.
7 Other charges lexplam)
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S na
8. Property ~nwrance ~s~ww aemwm ~i r„,a~c.a rn.o„~, e~-
A. Ftood insurance ...... S na
/o- " months
B. Phys~cal damage
inwrance . . . . . . . . . a n8
fot months
9 Amount financed (1 thru 8) ..... S'4,696.77
~0 FINANCE CHARGE .. .. __ _.. _. .S 1,627.23
made up of: -
A. Interest - - - - - - - - - - - - - - s 1, 577 . 23
B. Prepsid 50.00
FINANCE CHARGE-S
IProcessing Fes1
t t ~ otal of payments 19+ t Ol . ....... 5 6, 324. 00
ANNUAI PERCENTAGE RATE ... ... 15.43 q6
N OTE: Items 2 through 8 abovs are axpsnsss ths Bsnk musc p~y to
tftl~ QBrtIRS.
Credit I~nurs~c~. 1 understand that 1 don't have to take out cred~t I~fe
~nsurance o~_cred~t disabitity insurance to qual~fy (o~ th~s loan But if I
~rvant. 1 can purchase this inwrance through you. purchase it trom
• someone else 1 choose. or assign an ex~sting pol~cy. 1 want the
~r.surance checked below tor the term oi tlus loan:
~Credit lite insuranc~ on 8orrower's life alons st Ms cost shown ~n
itKn 4. (Msximum ~Ilowsbls term is 10 y~usl.
..~
O Cr~dit disabiliry ~snce on BotrowK IFirst oam~d Debw) at the
'teost.:shown iR itNn 5. (Maximum allo~vabl~ tKm is 5 riaa).
c~~Jointaedit lifs insunncs on Borrovwr and Co-Borrowsr's life at
t-t!~ aost in em 4. ~•• -
S~y~°' at~ s 4 , 20/81
Co-~' :f:.Ta~ss M. McCaule~ ~ . Idacel
s~gnatu~r .:.. .. ...{.:,, . •
- + . :;Y . ,•', .;~~~' ° L•,' . Idslt~
.s;~
R MI R~opwty. O~(it chscked he~e) 1 srn yivin9 You s sepsrab
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ICross. out on~) {AqrMnNnt Not to ~Encu~~ orTrsnsfa~
to S~CtNf tM3 10if1 aR' pfOpK~y IO~:al~ ~t: •
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uws.» a «K,wnew.a o~ar«~.~
You haw alre,sdy givi~ m~ ths raquKed Notice ot Hi~t of R~scission_
1 understsnd tfn~ n~~s l hw~ thtes 131 busi~ess dsys to chan~ m~-
m~nd and cantel this IoMR• 1 undKStand tMt ~rou wiN stM ct~qirq
me tnterest On - •. 18
.~dditioit~l a~ww~~wsMr porMiorM M~M siM. l hs~r~ n~d
c n e addiciona~ sgnew»m• and pohsions a+ eMt nvsn~ .id~ d d~a
aaroe~~~t md 1 w~dNStand and sgrN to ttwrt~. ..
Ri9fit to pr~y loa~. 1 ca~ prepay the entiro b~lsnw of my ban ~t
any time. If I do, you will refund a portioo M tht FINANCE
CHARtiE .figured by the wm-oi-ths-digits metbod 1~ commady
used forrr-ula tor tigu~ing rs(unds on instslmant lp~ns). But Yotr vro~i t
retund any ps~t ot the processing teq (item 108).
~st~ paym~nts. N I haven't paid sn instalment withi~ 70 dsys of tM
date iCs. due. 1'll pay a Iate charge equal to 6!~ of tht overdus
instalment. but not more than s6. Thi~ chsrg~ will ~ot ~ppl~- to io~ns
over t50.000.
Collection costs. 1'11 pay any collection costs, including ressonsble
attorney's fees. ~t you take collectwn action.
Enti~e bslance due. It 1 don't pay an instalment on time or it 1 break
one ot my prom~ses under this agreement. you can require me to pay
the enure balance o1 my loan (les; the ~efund ot FtNANCE
CHARGE to wh~ch 1 would be entitled in the event oi prepsyment)
at once w~thout not~fy~ng me in advance. You can also do this ii 1:
m~ss a payment on another debt I owe you: made misleadirq
statements on my application: become invo{ved in bankruptry a
~nsolvency p~oceedmgs: or d~e - •
S~curity. 7o protect you it t fa~l to repsy this losn. 1 give ~rau ss
cotlateral a"secur~ty interest" under the Florids Urntorm Commercia!
Code ~n the following propeny along with anr teplac,ement psrts: ••<
add~t~ons os equipment attached to it which 1 own, plus sny procasds. ;~
retum premwms and rebstes trom any credit insurance or i~uranc~ ~
on the propsrty securing this loan. I alw understand thst this ban will 1~
be securod o~-ly by t~e collate~at dsscribed below regsrdless of a~ryr r
secunty provisions thai may_appear in othet bsns t may h~w with `'~
you. ~ f: ~;,~`. • . , ~ : _,~. .~' '~~
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~.I~C .1~ Dlock 119 LalceMnod Park pnit l0 ,iceordiag
:~) ~ta-~th~r-tlat thereof aa recoried in Plst look l~,
• t~ pa~: `Z~~ aod 29A thra 29D af th4 Public„L~cosdsi
~ of St:L~cie Couaty, Floridi. -•'~ -' j
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~ 0 If th's bwe isCMdi~d ~
~ to giw pu s vslid s~GiMity N~tN~st snd wiN hsw no PKSaaI Ie~N raspor~ibilify' an th~ losn_
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is signinq thii pr~K a~ ,
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~ i~ nd~stand thst~d~-qN~Nnt. and K Check~d abow a doCU+nent ~nCUmbsring -esl prop~rty. Co~N~in aN tIN tMn~s ".
, -f cov~p~ to~n. If sn~/ psrt of eithe- of thsm is . th~ reinsining psrn wiN ~ntsin va`i. C~ro- .
-~i ~nis ~eement that s fully oompleced cop~r of it wq fi~nNStwd to m~ b~tore 1 spe~d iR. .. .. ,
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