HomeMy WebLinkAbout1604. ~~. . ~ . ~~.. . . ~~ ,. . .
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=,~ ~~;~r ~• t t Bank ~'~~~ Consumer Loari Note ~and~ Security Agreement
=„''~~~:~~~fi~-~~ . ~. . ~
. • First National Bank of Fort Pierce ~ .
. Suuuieast ~Af~ ~~~~f~ F~a.
The wo-ds'/, me and my mean the borrower and anyone else who signs. The wo~ds you and your reter to the $outh~~sl~~nk ~
shown above. ~ , . : . ~ ~ ' Z ~ . 1 ~
Borrowei s Name Helen I~ Shrover Add~ess ?74 S~ E_ Manle Terr_ Pt ~L,~~(Q 1
~>~,, ,, • Florida ~
Th,s is tfie agreement that covers my loan with you. ! unde~stand that anyone who signs this agreement will be legatly responsibla '
( togecher and +nd+viduallyl for repaying the total amount owed, unless they are only signing to give you a valid secu-ity inte~est.
P~omise to pay. To repay my loan. ! prom~se to pay yau the tota! of payments shown in Item 1 1 befow in ~0 monthly
~~,stalments of c 232. 58 each. 1'll beg~n making payments on March 2?# 19~ ~~d will
c:ontinue to pay on the same day each month until the loan is paid i~ full. 1"II make payments in pe~son or by mait at ihe office
vou speci/y.
Ners's s breakdown of my loan:
600. 0~
12
1. AmOUnt I rece~ved .. . . . . . . . $ ~
2 Appraisal tee . . . . . . . . . . . . . . 5 ~ .
lFo~ Real Estate Loans on1y1
3 Recordting tee . . . . . . . . . . . . . S tta
4 Optional Credit I~te
insurenCe . . . . . . . . . . . . . . . . . S ~, 500. 00
5 Opao~al cred~t disability
~nsurance ................ S na •
6 Stamp tax . . . . . . . .. . . . . . . 5 21, 30
Propsrty Insursncs. 1 wdl keep the property se~uring this loan
msured aga~nst loss or damaye 1 understand that I may pu~chase this
~nsurance through you. ~n wh~ch case the Cost and term wdl appear in
the loan breakdown (8 A b 81. o~ from anyone efse 1 choose. Either
way. 1'll make the poticy payable to you.
If 1 don't keep ~t ~nsured or pay prem~ums on time. you can pay them
to~ me or Cancel the pol~cy and get ~nsurance elsewhere. If ~ou do
purchase such ~nsur~nce elsewhe~e. you can select insurance which
pratects only your interest in the collate~al or wh~ch protects my
mterest and your interest. and in erther case ( wdl pay tor any
prem~ums you advance w~th interes~ computed at a~ ANNUAL
PERCENTAGE RA7Eot 18X_
7 Other Charges (expla~n)
na
S
3 Property If1SUfd11C@ lihow Wem~uml.IlansMed tMOugt+ ba~k)
A. Flood ~nsurance . _ . . . _ _ . $
for months
B Phys~cal damage
~nsurance ............. S _13~
for months
9 Amount financed I1 thru 81 . . . . . . . . . . . . . . . S ~ 14.121. 30
o p FINANCE CHARGE ........ .. ... S 13_ 788_ 30
made up oL•
A Inte-est . . . . . . . . .. . . . 5 13, 738. 30
8 Prepa~d
FINANCE CHARGE-S ~~-~P~~ess~ng Fee)
t t Totalofpayments(9-~10) ..-...------••...S~rQII~rb-~--
ANNUAL PERCENTAGE RATE . _ . . . . . .. ~~ ~~_%
NOTE: Items 2 through 8 above are expenses the Bank must pay to
th~rd part~es
Cred~t Insurance. I understand that I don't have to take out cred~t I~fe
~wrance o~ cred~t d~sabd~ty ~nsurance to quahty for th~s loan Buf t( !
.v~~t. 1 can purchase th~s ~nsurance lhrough you. purchase it trom
sc~eone else I choose. or ass~c~n an ex~st~ng pol~cy 1 want the
~nsurance checked below for the term of this loan.
'ti ~~redit lite insurance on Borrower's 1+/e alone at the cost shown in
:~, ~d~ll; OpwD~11~~yC~rn is t O Yearsl.
O Credit d~sab~l~ty insurance on Borrower (First named below) at the
cost shown ~n item 5. (Max~mum at{owable term is 5 years3.
u Jo~nt cred~t I+fe insurance on Borrower and Co-80rrower"s life at
the tost shown in item 4. CC~~~L=~ _
G/
~nrrpwPf 5 ~ ` ~ -~a~a7~~/
S ,nature ~
e en ~-~hrayer ldace)
Co- 8o rrower's
S~g~atur@
(datel
R
~ Real Property. O(if checked here) 1 am giwng you a separate
ICross out ongl ( Mortgage
` ~ Agreement Not to Encumber or Transter Property
~~o secure th+s loan on property located at:
i
~ IAdWKS or entumbered poperty)
~ Yc~ nave atready grven me the required Not~ce of H~ght of Rescissiun
~ ~ understand thn means 1 have three (31 business days to change my
;:n~~d and cancel th~s loan. I understand that you w~ll stan charg~ng
'' mo ,nterest on - 19 .
: Additional agr~~m~nts and provisions on rw~rs~ sid~. I have read
'~he additwnal agrsemants and prov~s~ons on cha reve~se side ot chis
~ aqreement and I understand a~d agree co them.
Right to prspay losn. 1 can prepay the entire batance of my ban at
any time. If I da, you will re~und a portion ot the FINANCE
CHARGE figured by the sum-of-the-digits method (a tommonly
used formula tor t~guring refunds on instalment toansl. 8ut you won't
refund any part ot the processing [ee (item 108).
~,ats paymsnts. It I have~ t pa~d an instalment within 10 days ot the
date iYs due. I'll pay a late charge equal to 5% ol the overdue
instalment, but not more than S5. This charge wilt not apply to loans
over S50.000.
Collection Costs. 1'll pay any collect~on tosts, inCluding reasonable ~
attorney's tees. ~f you take collect~on action.
Entire balancs due. ft I don'1 pay an instalment on time or it 1 break
one of my promises under th~s agreeme~t, you c3n requice me to pay
the ent~re balance o~ my ~oan Iless the retund of FINANCE
CHARGE to wh~ch 1 would be entitled in the event of prepayment)
at once w~thout not~fy~ng me in advance. You tan atso do this i( I~
m~~s a payment o~ another debt t owe you: made m~steading
sttitements on my appl~cation. become involved in bankruptCy or
msolvenGy proceed~nys: or die
Security. To p~otect you ~f 1 ta~l to repay this 1oan. t g~ve you as
cotlateral a"'secunty ~nterest" under the Flonda Uniform Commercia!
Code ~n the follow~~g propert / along wrth any replaceme~t parts,
add~uons or equ~pment attached to ~t which 1 own, ptus any proceeds.
return prem~ums and ~ebates trom any credit insurance or insurance
on the property secu!~ng th~s loan 1 also understand that this loan w~lt
be secured only by the collate-al described below regardless ot any
security prov~s~ons that may appear en other loans I may have w~th
you ~
Lot 16, Block 394 Pt. St. Lucie Section 6
of St. Lucie County~ Florida
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is si ni this s~-~emeni onil/ '"-
~ ~: It this boa is theCked. 9~ -
' ~o rve ty ' ~9 sPo~ N .• x;- .~.
~ g you s valid securi ~nterest and witl hsve no psrsonal t al re s~bili on the loa~. •r; ~F: i~ -_"= -"" =' '-
~! understand that this agreement, and if checked above, a document encumbering real property. conta n atl thi' tKms ~. .~
a nd cond~t+ons covering my ioan. If any pan of either of them is unenforceable, the remaining parts.wi~t remain. vslid.. l'w :'~ ,~~
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read this a reement and acknowled e that a fu11 com Ieted copy of it was fumished to me befors}.~,~~~d'N- ='~ :i"'s~- r;,% °''p~
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~ _. Helen I. Shroyer ~' - ,•!- ~. ~~/~~,~~~ ~"-!~~~'~~~~
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