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Home My WebLink About2124 ~~1/1~ ... . . - • ' - - . _'~;, ': Sa~~t~~~ Ba~k ~ ~ Consume~~ loan Note and Secu~ity Agrec•ment ~ ~ ~~~ :; ,,,,.~, . ~,~,-. Southeast First National Bank ofFort ~ierce Fla ~nn,i,a~e~ Tne words /, me and my mean the borrower and anyone e~se who s~gns. The words you and youi ret~r to the Southeast Bank shown above. ' • Bo«ower'sNa~-nn~~_~ Deanna K_ 2~c Address 441 Belmont ~irclept• St.Lucfe Date Fiori a /$] Th~s :s the ag~eement that covers my loan with you 1 unde~stand that anyone who signs this agreement w~ll be legally responsible ;coyecher and ~ndwidually) (or repay~ng the total amount owed. unless they are only s~gn~ng to give you a vatid security interest. Promise to pay. To repay mv loan. 1 prom~se to pay you the total of payments shown ~n Item 1 1 below ~n 120 monthly ~nstalments of S 140_ 28 each I'll begin making payments on ADril 3. 19 81 and wUl ~ontinue i0 pay on the same day each month unt~f the loan ~s pa~d in tult 1'll make payments ~n person or by ma~l at the otf~ce rou s~ec~fY - Nere's a b~eakdown of my loan: t Amo~nt 1-ece~ved . S 8. 739. 00 2 Appra~sal fee . . . . . . . . S na (For Real Estate Loans only) 3 Recording fee .. S na 4 Oouonal credu I~te ~nsurance.. . .. S na 5 OpGOnal Credrt d~sab~bty insurance .... . S na 6 Stamp tax . . . . . . . . 5 13. 20 7 Other cha~ges (expla~nl S na ~ P~Op@fly 1115UfafIC@ (show O~em~umJ hn,~evf thrp~yh ben4) A Flood ~nsurance 5 na for months B Phys~cal damage ~n5uranCe . S na fo~ months '? Amou~t financed (1 thru 81 5 8+752. 2~ ~ ~;; FINANCE CHARGE 5 8,081.40 made up oI: A Inte.est . . . . . . . . _ 5 8 , 031. 40 B Prepa~d 50.00 FINANCE CHARGE~ 5 IProcess~ng Fee1 ,' 7otal of payments (9~- 10) . 5 16 ,833. 60 ANNUAL PERCENTAGE RATE . 14.83 ~ NO~E: Items 2 through 8 above are expenses the Bank must pay to th~rd part~es ' - Cred~t Jnsurance. t understand that I don~t havP to take out cred~t I,fe ;;,rance or cred~t d~sab~t~ty ~~surance to quahfy fo+ th~s ~oan But ~f ! .•~~c. I can pu~chase th~s ~nsu*ance through you. purc~~ase ~t from -meonP else 1 choose. or ass~gn an e~~st~ny poLc~ I want the ~>u~ance checked betow tor the term o~ tn~s loan .~: Cred~t hfe insurance on Borrower's Ide alone~at the cosi shown ~n ~tem 4(Maximum allowable te~m ~s 10 /ears) ~ Credrt d~sabd~ty insurance on 8orrower IFust named below) at the cost shown ~n item 5 IMax~mum allowab~e term is 5 years) ~ Jo~nt cred~t I~fe i~su-a~ce on Borrower and Co~Borrowei s I~le at the cost shown in item 4 ~3;~rrower'S S:gnature (datel Co- Bo•rowe~'s j~:,nd;ure Idatei Rea1 Prope~ty. O(~f checked here) I am g~v~ng you a separaee Mortgage ~ ross out o~e) ~ Agreement Not to Encumber or T~ansfer Proce~ty ~~ sPcure th~s Iqan cn properry located at: (lldaess ol encumOSreO P~~~h~ rn~, have already g~ven me the requ~red Nonce ot Right of Rescissiun understand this means I have thres i3) bus+ness days to change my ^~ ~~d and cancel th~s loan I unde-stand that you w~ll start charging ~-ne ~nterest On 19 . Addic~onsl sgrtsm~nts snd provision~ on rwsrss sid~. 1 have read "e add~t~onal agreements and prov~s~ons on the reverse s~de ot th~s aq~eement and 1 understand and agree to t~em Property Insursncs. 1 wdl keep the property securing th~s loan ~nsured aga~nst loss or damage I unde~stand that 1 may purchase Ih~s ~nsurance through you. ~n wh~ch case the cost and term will appear in the loan breakdown (8 A& BI. or trom anyone else I choose E~ther way. I'll make the po1Ky payable to you I( I don't keep ~t insured or pay p~emwms on t.me, you can pay them (o. me or cancel the poticy and get ~nwra~ce elsewhere. I( you do purchase such ~nsurance elsewhere. you can select ~nsurance wh~ch protects only your ~nterest in the collateral or wh~ch p-otects my inierest and your mterest. and ~n either ca:e I w~ll pay for any p~em~ums you advance w~th ~nterest computed at an ANNUAL PERCENTAGE RATEoi 187~. Right to prspar loa~. I can prepay the ennre balance of my ban at any time If 1 do, you wdl refund a port~un of the FINANCE CNARGf f~gured by the sum-of-the-dig~ts method (a tommonly used formuta for tiguring retu~ds on instalment loansl But you won't refund any part of the ~.racessing fee (item ? 081 lats payments. tf I haven't pa~d an instatment with~n 1 O days of the date ii s due. I'!I pay a late cha~ge equal to 6% of the overdue ms!atment. but not more than 55. This cha~ye witl not apply to loans over 550,000. Collection costs. 1'11 pay any collection costs. ~nclud~ng reasonab!e attorney's (ees. ~~ you take collection.act~on Entire balance due. I( I do~ t pay an ~nstalmant on time or ~f I break one of my prom~ses under th~s agreemPnt, ycu can require me to pay the ent~.e baiance ot my loan pess the retund ot FINANCE CHARGE to wh~ch I woutd be entitled ~n the event oi prepayment) at onc.e ~v~tt~out ~ot~(y~ng me in advance You can a15p do th~s ~f I. m~ss a na~me~t on another debt i owe you. made m~s!ead~ng sfa~ements an my a~phcat~on. become mvotved ~n bankruptcy w ~nSOivEnCy Qf(K'eP(i~n(~S. Or d~o Secu~ity_ To p~otect you ~t 1(a~l to ~epay th~s toan. 1 g~ve you as cot~a~era~ a"'secu.~ty ~nterest" under the Flor~da Un~form Commerual CoAe ~r~ the tollowin~ properly a1~ng wrth any replacement parts. adA~t~ons or enu~pmPnt attached to it which ! pwn. plus any proceeds. retum.prem:ums and rebates from any cred~~ msurance or msurance On ihe p-operty sgCUnng th~s 100~ I also understand that th~s loan wdl bP secured c~.ly by the collateral descr~bed beiow regardless o( any seCUnty prov~s~ons that may appear ~n other loans 1 may have with you Lot 4, Block 42, South Port St.Lucie Unic ~ accor~ng to e a ereof as recorde~-" ~ in Plat Book l~i, page 14, and 14A and 14B of tPe 0 Public Records ot St.Lucie County, E'loriaa t ~ N A ~ ~t th~s box ~s GheckeA. ~•o g~ve you a val~d secur~ty ~nterost and w~ll have no pe~sonal legal respons,b~I~t~r on the loan ~ H ~ O ~ 'o °a N s ~ ~~ ~u is sign~ng th~s agreement only _ ~. ,. ~- i un~erstand that this agreement. and ~f checked above, a dceument encumbering ~eal property, contain all the terms a~~d ccnd~aons covenng my loan. I( any part of either of them is unenforceaDle, the rema~mng parts will remain valid: I've : ead this gree nt and acknowledge that a fu!~y compieted copy ol it was fum~shed to me betore I signed it. ; 4' ~ ~ •~ \~ / ,/t~ (seal) ~, ~'- •' (seal) Dennis B. Zak ~ 1 Deanna K. Zak --'J . ~J (seal) ' ~~`Ltseall ,i _ . ' - '~- - ..:~,~- ~ ;