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HomeMy WebLinkAbout1214 ;;:;~;;.;: . -== Southeast Bank Consumc~r Loan Notc~ and S~curity A~;rc~c~mc~nt _.,:~;:~`: '~~~~r F . _ • , • . , r t~ t . ti,~utn~~,~.t . Fi.~ i~~,~ ~~~ui~l. 1, i~-e tincl my me.in ihr twnuwer an<1 tin~~~~ne else who tiiyns The wt~rcts you antf yuur rel~r~ tu th~r Suuth~~~ist Bank .~~u~vn ahcx~~• . .,• . . ~ , ...., ~ . • 1 •' 1i.1~. t . , .. . .. • ~. :, ~ ' , ~• . ~. ,~ ,,~~>~~E~~ s rv.~~„~~ A~ictrets ~ O.,~t~ •. ~s th~r ,~~~r,re~~nt~nt th,it c~t~vers iny luan with ~•uu 1 unclerstancl th.~l anyune whu tii~nti lhiti ayic•e~1~e~nt w~ll t,~r I~ryally res{,uns~t~le ,~e•Ih~~i .~rn1 u~il~vuiu:illyl ft~i re{i~~yu~i~ the tutai dmt~:~nt Owed ui~letis they (lrr~ unly tiiynuu~ tu yrvt~ yuu ~+ vahtl ti~~~n~ty ~nterest ~n -- Promise to pay. T9~e~p,~y m~~ Ic~~n I~~roneise t~~ pay yt~u the tut~~t of {~ayments shuwr~ ~~i Ite~~n 1 1 t~Fr~uw in rnonthly ,t,~l~iie~its ul S t •a~h I II heyin nuikux~ ~~a~~nients un _ 19 and w~ll ,nt~niee ici ~~a~~ e~n the~ ti.~n~e iiay etir,h rnc~nth w~til thF~ luan ~s ~~aid :n full I I! ni~il~e ~,a~~nier;ts ~n ~~e~tiun ui Isy ma~l ~it th~~ p1(ice . ,; S{it~Ci(y liere's a breakdown oi my loan: " ,'. ", ~ Prope~ty Insurance I w~n G~rrq, tn,• ~~r< ,3e~t; ~ecur~ny th~s t~,an ~ A!~u~uni 1 ~t~~ f•:L•••~1 S ;~ ~, n~•.,,r~~~1 .t:~,f~n~t lutiti ur rl,lrn~f~~~~ 1~~~ulttttfdt~il fl~,~S ( n~<fy ~iur~.h~itit thtS ~1(~~~•,li~;il ff~~• ~ S ~.~~•.~,1!~fil"~• r11ltn~( (~ ~~(>U 11) \4'IHl ~t f..itift fhP f_~~tii il~lt~ tf!t:\t W111 iiO(~P7t 111 1 F:;r Re~a! E~tat.~ L~~,,n~ „r,iy~ „, ~;~:~~, t~i~•.~F:1,;~1~~ ~8 .n R Bi ur irn~~, ,,ny;,na> erltie i ~ he,~~tie E~t-~er S '" ~ R.•, ~~~~t~~~ , ~,.;, ` ::.f. f;i ••i,~kt~ lh~~ ~u~!n y;)a+;at)It~ 1(~ y:iu ~! { ,;.,. . 1. .~~ ,. ~ri~ ,ri•~) ur !~~ ,1 {~t~~t~tiurri~. ~m itnlr! yUU ~ :f1~ (i.fy~ fl~em . (l~~t~ ~~~~il ~ • ,l~7 f,. -r ~ ~ ~ . . • , • ~• „~ ,~rt, . . rh~• ~~~i!r ~, ,,rott ~,v•t ~r:~.uran, ~• ~~!5t•wh~-'~r il ~•uu ~fu ..,:~~~n:, ~• $ , , : !~.~~.~~ ~...~ !. i~r. ~•~~i~~ .c f•~~I•Yvhe~r~r ~;nu C,i~i tiHli•~ ~ nly~:!dn~ ~• ~Vlu~ h i) ~ ~,,~:,! ~ ~,•,~;r : ,.,t~ i,•.~ c d . ~n• , , r~i, . . „,t~•~~~ti• ,r~ r~r• • ~~n,:tr•,<,! .~ Y,;~,i~ n r f~r:~te~.tti r,;y. ~:~.u•.~~, , 5 ' - - , ;.,~. .. :f~~~l , ~~~~ . ;t.•;+~~~ .,- ri in :•i!Ilr•r r ,~~.~• ~ w~ll ~~d, fur im~ - ~ Sc +~>>;:+ ~. S • .. .. .,, .,~,~ .~:t•..,~, . ..~rr, ,~,r~••~•tir ~,~„~~;,cert ,:c a~, ANNUAI , , PERCENTAGE RATE:~+ 18`so L;r„~~ ~,,~~~i.•, ~~~.t,.,•~,. 5 - Pir ,~e•r?~ ir:~u•~f,,. ,. :1-1 . . .> F!~~~r: ~. .a•:u~, .. S /.~~ ~ ~!I.S C~ ~~', f: t,f" ~f J~• ' . ,... .. • 5 ! , , ~. ~..,r,~ ~ . . • :~~...~~. . + , :t- . . . . r3 ~ . ~ FINANCE CHARGE ~ rna;f~ u~~ of ~ A lnic~~~~5; 5 ' ~ B PrC{~aici . " r FINANCE CHARGE ~ -~P~c~te~s~iy fee'. T~~t,~!:~~,,.,,,,,~.,.t• g-, in~ ~ • . . ANNUAL PERCENTAGE RATE - NOTE. Items 2 throuqh 8 above are ex;~enses tne Bank must pa•; ta Ih~rci p~~T~eS Credrt Insurance ~ ts+stH=~d tha? i d~,~~ •.,. r.,-~• .. ~ f:~ . t~• f,i, p <~ . . :f~. . ~.tf! ;~?, ~~ .a .. ~. •. tu 'j. ~~~•~, ~r~ .. . .,f' ~„ ~ ~ ' f .~•i , , '~.~v . , +ti.i' t, .. ... . ~. . . ., . .. ,~~,. . ~.., .U"• r'~c. . . , ~ . .~. 1: ;i~. . , .f! <~. .. . ~ ' . ~ .. ~1' . ~~ . ~.:. ~• ~ I:~. 4~~r! ~~r'~ ~t. ~ . ?~:t' .~ .. ;:l .1~::. ,. C•P~!!i Li~_ i~~ticiranra r~n BorrOWE~ 5 1~fe a~o~~e at !h@ ~~OSi 5ho~hn ~n tem 4'MdY'^t~~n: ~I,^~•„~:~le iQ~r.^, ~s 10 Year~~ rrerl~t d!~nh~~~t,~ ~nS~.~'en~f~ r),•: Bo!rOV'1@~ IFitSt named be:owi at !~~F r~~~ 5.~:i~ti:• ~ ~ri •.• ~i ~'l~;tx~n',:;m d~lr.ti'Ah`e ie'm ~S 5 yea~S. JU~nt ~rp;!~r i:ip ~,~~u~3n~'fr :l'~ BU+r:IWP' 8n11 CC~ BOI101M1'P~ 5 ~i~2 82 r~e ct~S! .!~iikvn :r ~jc~r~; 4 ~•~ . . • , ,~~11t~ , ~'~!•I)W{" l ti , ~~.1~~' Real Prope-ty - ,~ ~ ~ . s~ ,t .:~• , , ,i~~ ,~ ,~,;: n ti~•;:.,•,,t. . . ~ ''~~"' 3,a~, aa•1`"i~,'7s, . ('~~ , .. ~. . . h~• .. T.;~,~,1~. V.r~~i~• r ' •~ .~'(~ 1! . ~ ~~:~! ~~. ~ ~~~~:... . J!~`~. :t,. R~ght to prepay loan. 1 can ;~ret,ay the enLre balance of my loan at ~+n~ t~n~rr Ef 1 du ~~~~_ w•i' ;2}und a porUOn of the FINANCE CNQRGE i~q~,~ec1 h~ the sum of the diyits method la commonly utie~rl f~~rn.~u:a tpr /~<~i~rinq retunds on instalment loansl But you won"1 •rt;inr! .fre~ ~~~frt hf tt~P ~ir(~~@SSinO }CC (II@f:'1 ~~B) Late payments I~ ! h,~v~~r~ t;~a~ci an ~nsta~men! w+th~n 10 da~s of the r!,~t~• ~; ~ tL.,~• 1 It ;~a~; a late cha~ye equa~ Io 596 Ot the overdue ~~.t:f;~•~,.,.t !~::! ni~t ~nn~r• tt~dn S~J Th~s cha~ye w~~! not apU~v tu iuar,s •. ~•~ 550.000 CO~~QC11U11 CUSIS ~ • .~.+, .t' , , r;;t:, r, ,r. .cr~';t ~r,t .~..1'L. ~ ~E:1St~"~dliit- • 4. . . :f , ~ . t.e. .• : ~~li~~~ •i.,r :f F~t~r~ Ent~re balance due •' ~ t: ~;~,,, ,~~~ ~~,t~~,:~n~.nt u~ t~+=u. :,~ ~t t b~eak ~.,. r•~` :~:rr,:~.... .~;1~., U~5 :9;~rf~r,:,~E.'~t rUU c.an .~r~u~re rne tu ~,ati. ~ ~.,,~ .... .... .. . ..i .,; ~.~~~~~ ~~Pss tF~e •et~~r,a u' FINANCE CHARGE ... ~..~:,~;r! tu. F.•,•,•Ic~i1 ~n ihe eve+,t e~ prej,avrT~er.t: . , . .. •~ .. , ,•.~ .,,i~ ..:s- '.+~ ,f~t~.an~.~~ Yqu r8r, aisu du this ~} ! . . ~ ~. . • . ,~.,, t~~:,r ~~~.~,~ I nwe ;ui~ rnade n;~Sl:.dd~nci , . . . • . , r, . ~ ,~? ~,•~ hr~r,~•,,., nvr~t~~•,~ ~n b~nl.rulN!,~~ or SeCUnfy , ,. . . ,. ~' . ~.~ . •.,~,.i, .~„~ f(~i9r~ I c;;ve iuu a5 ~ . . , .. . ~ ~ , ,±~•.. ~.r ,ir~..~~. ,~.~• FiUr~da~ UnifUrn~ CurnrnerUa~ . t• .. .... .~.~.. . ,~rrr;~~•.1•. d~u•i~a ~•,~ih df?•~ ~eolacement ~i8~1S . . . ~ • . . . ~~ ~ ~~:?~~i ~,..,~ . . ~. ;,hi:~~: ! (~t":r~ {;iul8ny ~~ru!~.ef'(1} • '" . • ' . , ~...: .~..,-~.r•,. i•;~•., ~ii~, ~ •s~~~~( ~nSUtdti~N Ur ~r~Su'i~t~~F ' . . . . , . . , rr• , ir ~:~ i d~,. :ri•1r~• ,t8r~d t':dt ih~ti !u3n w+l' . ~ ~ . , . , ~ , . ~.ft.,.., ,1~.ti, „S~..r: hf•ic,N. rNqlrr)Ic•SS ~~f ~n` ' . . . . . . . , !r .1' .~1~~. .1~ ~ ~!~ • , i)~~1(~' 'r.i1!`1 ~ !fi~~~ `1r1~C' 'f.'t-1 ~~ . j~• ' ' ~ • , ~~ _ . ! . , ~ • . ~. . .1'•~..~,l. .~; ~.~~ ..,i, •lif• r:.~~u:;~•~f N!`r~:: ~• uf R::~~~t i~' f~..~~ ~ti..:~;ti ~1~•rtit.i~~i! t~n~ ~.~F•,f^ti ! +~~it 'F:r~~o~ •3; hu~,;~i..S., .fdy> lu r./i71n,1~~ rri'i " . A'i~', ~ ~i'~, ~•; Tt.;.~ ~ ,~in ! ur~r~a•r:.r.-tr~.~ .h:ii 1nt, 'rfii' tiT:~r! r!z[t~c;in~i ~ ::i1r~r~•~.! ~ir~ 1c.~ Add~tiona~ ay~eements and prov~sions on reverse side I nav~• ~~rac1 '~.i,;~}~Tir;n~~i t~!~rnE~n:r•nt:. ;~r,r~ I~rnt•.S~rm<: nr• •t~r~ ravr.s~r tii<1P Ut thi5 ~-~.rnnn! ~inrt I un~1~.•~!.~~;r: dn~1 ay+~•~~ T~~ thr•~r; I! tl~iti (ir:r ;•, hi•~ ~~•.) ----- -------- !ti ti'tjn~ri~~ Ihi•.:i:~f~•f•~~i~,ni Unl`. ~ ' ~l~v.~ y:;i, ,~ ..,n•1 ~~..~, ;v~h, ~nte•,.~tit an:l w~i' /~a~~.~~ no {~r~,;~~ndi ~~r~)ai reSpr~rr~~h~i~t~ r~n !h2 k~a;r ~~nrt~~rStan,f th~~t th~ti acarer~~,~~•nt ~nct ~f rhec~ed ahOVe a clocumenl enCUrnbennca re~ll pro{~erty Cont[t~n al~ the 1er~t~5 ~n~t r~,n~litcnn~ ~ nvcrnn~.~ my i~r,:n II ~~riy ~>~irt r>f e~ther ot them is tmenforr.e~~ble the rerna~niriq ~~~irts will renta~n valid I ve ~~•ac1 th~5 ~+~~r~n~nu~i*t ~tnrt ~rknr~wl~~riq~~ that ~~ fully cqrn~ileteci ~;r~{~y uf ~t wds furn~5h~c1 tu me befpre i tiiynt~d ~2 ~y ~a ~-. ~ t5~~~+~} }~ ~ ~!i ~ -C . ` .. ~ ~ii~' ~1 F~ :{ ~ il..•.,\ V~ PM~~~~_" ____ ` U. ~1~ ~~:\ } .' - "'_ " __ '_ _ _ _ _ __ ~~if't~~l " _ _ '_ _ __'" " __ _." ___ __ _ ~ ~ '`; .F . . . - - .. , . - - --- ~ m m Q ~~ h a O ~D O ~ O m a P. e ~ Iseali Iseall ,