FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`FILED:
`OUEENS COUNTY CLERK 04m2018 03:02 PM
`NYSC 3F DOC. NO. 68
`NYSCEF DOC. NO. 68
`
`IND
`EX NO.
`705192/2014
`INDEX NO. 705192/2014
`
` VYSC
`
` flIV flD
` 3F:
`
`04/27/2018
`RECEIVED NYSCEF: 04/27/2018
`
`EXHIBIT D
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`06/19/2015
`CLERK
`COUNTY
`: QUEENS
`12:01
`FILED
`PM|
`NYSCEF DOC. NO. 68
`NXSCEF
`15
`DOC.
`NO.
`
`INDEX NO. 705192/2014
`705192/2014
`INDEX
`NO.
`
`RECEIVED NYSCEF: 04/27/2018
`RECEIVED
`06/19/2015
`NYSCEF:
`
`an efp-te
`At
`the Supreme
`of
`ran
`of New York,
`Court
`held
`of State
`and for
`the County
`of Queens,
`at
`Courthouse
`88-11
`Sutphin
`thereof,
`New York,
`Jamaica,
`/wn®,
`of
`n6_____,
`day
`
`Boulevard,
`on the /2-
`
`in
`the
`
`11435,
`2015.
`
`PRESENT:
`
`HON.
`Justice
`.Iustice
`
`LEONARD
`LIVOTE
`of
`the Suprem.e
`Court
`
`OF NEW YORK
`STATE
`COURT
`SUPREME
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`-vs-
`
`Plaintiff,
`
`COUNTY
`
`OI""
`OF
`
`QUEENS
`----X
`
`A/K/A
`
`DOE"
`
`MACKAY
`PATRICIA
`R. MACKAY;
`PATRICIA
`CHRISTOPHER
`MACKAY;
`DOE"
`AND "JANE
`said
`"JOHN
`the intention
`it being
`names
`fictitious,
`being
`and all occupants
`to designate
`Plaintiff
`any
`foreclosed
`herein,
`
`being
`
`Defendants.
`
`-------------------------------------X
`
`of
`of
`
`the premises
`
`Ln 5 g-~
`
`/~
`
`if k T
`
`ORDEP/OF
`REFERENCE
`MORTGAGE
`FORECLOSURE
`
`IN
`
`Index
`
`No.
`
`705192/2014
`
`ENTERED
`
`P/-'Xg
`
`JUN
`
`19
`
`2015
`
`1,~
`
`COUNTY
`CLERK
`COUNTY
`OF QUEENS
`
`ON the Summons,
`
`Complaint
`
`and Notice
`
`of Pendency
`
`duly
`
`filed
`
`in this
`
`action
`
`in the
`
`Office
`
`of
`
`Clerk
`
`of
`
`the County
`
`of Queens
`
`on July
`
`25, 2014,
`
`and due proof
`
`that
`
`all
`
`the County
`
`defendants
`
`have
`
`been
`
`duly
`
`served
`
`with
`
`said
`
`process
`
`or have
`
`voluntarily
`
`appeared
`
`in this
`
`action
`
`and
`
`Upon
`
`reading
`
`and
`
`filing
`
`the affirmation
`
`ofCraig
`
`K. Beideman,
`
`Esq.
`
`dated May
`
`4,
`
`2015,
`
`the affidavit
`
`ol'
`of Debra
`
`Lee Wojciechowski,
`
`duly
`
`sworn
`
`to April
`
`23, 2015,
`
`with
`
`exhibits
`
`annexed,
`
`showing
`
`what
`
`proceedings
`
`have
`
`heretofore
`
`been
`
`had herein,
`
`and all
`
`the
`
`papers
`
`on file
`
`in this
`
`action
`
`and due deliberation
`
`having
`
`been
`
`had thereon
`
`and,
`
`FILED
`
`& RECORDED
`
`JUN.1IIH
`
`19
`
`2015
`
`COUNTY
`QlJKKNS
`
`CLERK
`COUN~
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`t
`
`'
`
`1
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`Upon
`
`the Certificate
`
`of Merit
`
`of Mark
`
`K. Broyles,
`
`Esq.
`
`dated
`
`July
`
`24, 2015
`
`and filed
`
`with
`
`the Complaint
`
`on July
`
`25,
`
`2014,
`
`NOW,
`
`upon motion
`
`of FEIN,
`
`SUCH 4 CRANE,
`
`LLP,
`
`attorney
`
`for
`
`the Plaintiff,
`
`it
`
`is
`
`ORDERED,
`
`that
`
`the application
`
`is granted,
`
`without
`
`opposition;
`
`and it
`
`is further
`
`ORDERED
`
`ADJUDGED
`
`AND DECREED,
`
`that Plaintiff
`
`has complied
`
`with New York
`
`C.PLR.
`
`§ 3012-b,
`
`which
`
`replaced
`
`October
`
`20, 2010
`
`Administrative
`
`Order
`
`of
`
`the Chief
`
`Administrative
`
`of
`
`Judge
`
`the Courts,
`
`as amended,
`
`and it
`
`is further
`
`-OR-DERE·D4hat
`
`7
`
`diserction
`
`of
`
`the
`
`coat
`
`a fee of $
`
`on-stag©and-upon4heJding
`
`of£s
`
`, chall
`to paid
`heWitts
`
`n
`
`e1e
`
`to the Referee
`
`far
`
`the
`
`(t,",
`
`sr~a--o
`
`ORDERED,
`
`that
`
`this
`
`action
`
`-
`
`l.s~~
`
`,.~e,of
`~a
`
`of
`
`be, and the same
`,~/2-
`
`02
`
`is hereby
`
`.p~7s ~
`
`P/7~g/~~
`
`finther--
`
`referred
`
`to:
`
`+~77c.
`. C'fc
`
`as Referee
`
`to ascertain
`
`and
`
`compute
`
`the amount
`
`due to the Plaintiff
`
`for principal,
`
`interest
`
`and
`
`other
`
`disbursements
`
`advanced
`
`for
`
`in the note
`
`and mortgage
`
`upon
`
`which
`
`this
`
`action
`
`was brought,
`
`parcel&,'
`in parcelsYani
`
`that
`
`and
`
`it
`
`is further
`
`to examine
`
`'~j
`
`the Referee
`
`as provided
`
`and report
`
`wh
`
`ther
`
`or not
`
`the mortgaged
`
`premises
`
`can be sold
`
`ake his/her
`
`repot
`
`to the Court
`
`with
`
`all convenient
`
`speed;
`
`ORDERED,
`
`that
`
`the property
`
`description
`
`(Legal
`
`Description)
`
`in the mortgage
`
`recorded
`
`on June
`.Iunc
`
`10, 2008,
`
`in CRFN 2008000233206,
`
`be amended
`
`nunc
`
`pro
`
`tune
`
`by
`
`substituting
`
`the
`
`legal
`
`description
`
`contained
`
`in the deed
`
`recorded
`
`in Liber
`
`7120,
`
`at Page
`
`of
`
`the erroneous
`
`legal
`
`description
`
`and
`
`it
`
`is further
`
`487,
`
`in place
`
`and stead
`
`in the mortgage,
`
`ORDERED,
`
`that
`
`the caption
`
`of
`
`this
`
`action
`
`shall
`
`be modified
`
`by deleting,
`
`PATRICIA
`
`MACKAY,
`
`deceased
`
`mortgagor,
`
`and by
`
`substituting,
`
`Jennifer
`
`"Doe",
`
`a woman
`
`who
`
`refused
`
`to identify
`
`her
`
`last
`
`name,
`
`in place
`
`and
`
`stead
`
`of
`
`"John
`
`Doe
`
`#1"
`r'/I"
`
`and by
`
`striking
`
`therefrom
`
`the
`
`remaining
`
`Defendants
`
`sued
`
`herein
`
`as "John
`
`Doe
`
`02 through
`
`John Doe
`
`#10",
`
`all without
`
`prejudice
`prejudice
`
`
`
`toto thethe proceedingsproceedings
`
`heretofore
`heretofore
`
`hadhad herein;
`herein;
`
`andand itit
`
`isis further
`further
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`ORDERED,
`
`that
`
`the title
`
`of
`
`the action,
`
`as amended,
`
`shall
`
`henceforth
`
`read
`
`as follows:
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`-vs-
`
`Plaintiff,
`
`CHRISTOPHER
`JENNIFER
`"DOE",
`refused
`to identify
`who
`
`MACKAY;
`a woman
`her
`
`last name;
`
`Defendants.
`
`and the matter
`
`shall
`
`be maintained
`
`under
`
`the same
`
`index
`
`number;
`
`and it
`
`is further
`
`ORDERED,
`
`that
`
`the referee
`
`appointed
`
`herein
`
`is subject
`
`to the requirements
`
`of Rule
`
`(c) of
`
`the Chief
`
`Judge,
`
`and if
`
`the referee
`
`is disqualified
`
`from receiving
`
`an appointment
`
`pursuant
`
`to the provisions
`
`of
`
`that Rule,
`
`the referee
`
`shall
`
`notify
`
`the Appointing
`
`Judge
`
`and it
`
`is further
`
`forthwith,
`
`ORDERED,
`
`that
`
`a copy
`
`of
`
`this Order
`
`with
`
`Notice
`
`of Entry
`
`shall
`
`be served
`
`upon
`
`the
`
`owner
`
`of
`
`the
`
`equity
`
`of
`
`redemption,
`
`any
`
`tenants
`
`named
`
`in this
`
`action
`
`and any
`
`other
`
`party
`
`entitled
`
`to notice.
`
`%aChal
`
`Ety'T
`
`Eft
`
`Hon.
`
`LEONARD
`
`LIVOTE
`
`Supreme
`
`Court
`
`Justice
`
`ORDEREO, ADJUDGED AND DECREED, that the Referee sha8 not be held responstile for
`nettles or fees pursuant to this appointment. Purchaser or any tille company
`hired by the purchasershelf to responsible for any peneties or fees incuned as a resut of late
`the payment of
`payment of the tax as required by City Administrative Code 19 RCNY 3548 (a), whidt osquiles
`C'
`'
`paymentswithin 30 days. The pachaser shaBhold the Relegeshemises fiern ony each penanles
`.
`assessedas a sesut of late paymentof these taxes.
`
`( p r 'thi A Q Q™
`i pQQg~
`
`i
`
`'
`
`C
`
`-C~~+
`
`FILED
`
`4 RECORDED
`
`JUN
`
`19
`
`2015
`
`COUNTY CLERK
`QUEENS
`COUNTY
`
`ENTERED
`: 50
`
`¿(
`
`JUN
`
`19
`
`2015
`
`COUNTY
`
`CLERK
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`Queens
`
`County
`
`- Table
`
`of Contents
`
`BANK OF AMERICA,
`Index
`
`No.
`
`N.A.
`
`v. MACKAY,
`705192/2014
`
`et
`
`al.
`
`1.) Affirmation
`
`of No Answer
`
`2.) Affirmation
`
`of Occupancy
`
`3.) Affidavit
`
`of Merit
`
`and Amounts
`
`Due
`
`and Exhibits
`
`Exhibit
`
`A: Note
`
`and Mortgage
`
`(referred
`
`to in the Affidavit
`
`of Merit
`
`as Exhibit
`
`"1")
`
`Exhibit
`Exhibit
`
`B: Copy
`"2")
`
`Exhibit
`Merit
`
`C: 30 Day
`as Exhibit
`
`of Plaintiff's
`
`Business
`
`Records
`
`(referred
`
`to in the Affidavit
`
`of Merit
`
`as
`
`Demand
`
`Letter
`
`and Notice
`
`of Default
`
`(referred
`
`to in the Affidavit
`
`of
`
`"3")
`
`Exhibit
`
`D: Certificate
`
`of Merit
`
`pursuant
`
`to CPLR
`
`§ 3012-b
`
`Exhibit
`
`E: Attorney
`
`Affirmation
`
`pursuant
`
`to CPLR
`
`§ 2106
`
`Exhibit
`
`F: Notice
`
`of Pendency,
`
`Summons
`
`and Complaint
`
`Exhibit
`
`G: Affidavits
`
`of Service
`
`and CPLR
`
`§3215(g)
`
`Affidavit
`
`of Mailing
`
`Exhibit
`
`H: Amended
`
`Legal
`
`Description
`
`Exhibit
`
`I: Death
`
`Certificate
`
`and Property
`
`Deed
`
`Exhibit
`
`J: DOD/SCRA
`
`Search
`
`4.) Rule
`
`130
`
`Certification
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`OF NEW YORK
`STATE
`COURT
`SUPREME
`BANK
`OF AMERICA,
`
`N.A.,
`
`-vs-
`
`Plaintiff,
`
`COUNTY
`
`OF QUEENS
`
`AFFIRMATION
`NO ANSWER
`THAT
`NOTICE
`PENDENCY
`BEEN
`FILED
`
`OF
`AND
`OF
`HAS
`
`Index
`
`No.
`
`705192/2014
`
`PATRICIA
`PATRICIA
`CHRISTOPHER
`DOE"
`"JOHN
`names
`Plaintiff
`
`A/K/A
`
`MACKAY
`R. MACKAY;
`MACKAY;
`AND "JANE
`it being
`fictitious,
`being
`to designate
`and
`any
`foreclosed
`herein,
`
`being
`
`DOE"
`
`said
`intention
`the
`occupants
`
`all
`
`of
`of
`
`the
`
`premises
`
`Defendants.
`
`Craig
`
`K. Beideman,
`
`Esq.,
`
`the
`
`undersigned,
`
`an attorney
`
`admitted
`
`to practice
`
`in the
`
`Courts
`
`of
`
`this
`
`State
`
`avers:
`
`that
`
`deponent
`
`is the
`
`attorney
`
`of
`
`record
`
`for
`
`the
`
`plaintiff
`
`in the
`
`above
`
`entitled
`
`action;
`
`that
`
`the Complaint
`
`in this
`
`action
`
`was
`
`filed
`
`in the Office
`
`of
`
`the Clerk
`
`of
`
`the
`
`County
`
`of Queens
`
`on July
`
`25,
`
`2014,
`
`which
`
`includes
`
`the Certificate
`
`of Merit
`
`of Mark
`
`K.
`
`Broyles,
`
`Esq.
`
`dated
`
`July
`
`24,
`
`2015,
`
`THAT
`
`due
`
`to a scrivener's
`
`error,
`
`the
`
`description
`
`(Legal
`
`in
`
`property
`
`Description)
`
`the mortgage
`
`recorded
`
`on June
`
`10, 2008,
`
`in CRFN
`
`200800233206,
`
`is erroneous
`
`in that
`
`it
`
`has
`
`numerous
`
`errors
`
`throughout
`
`the
`
`property
`
`description
`
`(Legal
`
`Description).
`
`The
`
`correct
`
`property
`
`description
`
`(Legal
`
`Description)
`
`which
`
`corresponds
`
`to the
`
`block
`
`and
`
`lot
`
`number
`
`set
`
`forth
`
`in the mortgage
`
`is set out
`
`in the
`
`deed
`
`recorded
`
`in Liber
`
`7120,
`
`at Page
`
`487.
`
`It
`
`is
`
`respectfully
`
`requested
`
`that
`
`the
`
`proper
`
`and
`
`accurate
`
`legal
`
`description
`
`as contained
`
`in said
`
`deed
`
`be substituted
`
`nunc
`
`pro
`
`tune
`
`for
`
`the
`
`erroneous
`
`property
`
`description
`
`as contained
`
`in
`
`the mortgage
`
`recorded
`
`on June
`
`10, 2008,
`
`in CRFN
`
`200800233206.
`
`A copy
`
`of
`
`the
`
`proposed
`
`substituted
`
`mortgage
`
`premise
`
`legal
`
`description
`
`is annexed
`
`hereto
`
`as Exhibit
`
`ccH 'J>
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`THAT
`
`this
`
`action
`
`is brought
`
`to foreclose
`
`a Mortgage
`
`bearing
`
`the
`
`date May
`
`10,
`
`2008,
`
`executed
`
`by PATRICIA
`
`MACKAY
`
`A/K/A
`
`PATRICIA
`
`R. MACKAY,
`
`and
`
`recorded
`
`in CRFN
`
`2008000233206,
`
`in the Office
`
`of
`
`the City
`
`Register
`
`on June
`
`10, 2008
`
`A copy
`
`of
`
`the Mortgage
`
`is attached
`
`hereto
`
`within
`
`Exhibit
`
`"A".
`
`THAT
`
`on July
`
`25,
`
`2014,
`
`a Notice
`
`of
`
`the Pendency
`
`of
`
`this
`
`action
`
`(annexed
`
`hereto
`
`as
`
`Exhibit
`
`"F"),
`
`in the
`
`form
`
`prescribed
`
`by
`
`statute
`
`and
`
`containing,
`
`as this
`
`deponent
`
`believes,
`
`correctly,
`
`all
`
`the
`
`particulars
`
`required
`
`by
`
`law to be stated
`
`in such
`
`notice,
`
`was
`
`filed
`
`in the
`
`of
`
`Office
`
`the Clerk
`
`of
`
`the County
`
`of Queens,
`
`that
`
`being
`
`the County
`
`in which
`
`the mortgaged
`
`premise
`
`is situated;
`
`and
`
`that
`
`since
`
`the
`
`filing
`
`of
`
`the
`
`said Notice
`
`of Pendency
`
`on July
`
`25,
`
`2014,
`
`the Complaint
`
`in this
`
`action
`
`(included
`
`within
`
`Exhibit
`
`"F")
`
`has
`
`not
`
`been
`
`amended
`
`by making
`
`new parties
`
`to this
`
`action,
`
`or so as to affect
`
`other
`
`property
`
`not
`
`described
`
`in the
`
`original
`
`Complaint,
`
`or so as to extend
`
`the
`
`claims
`
`of
`
`the
`
`plaintiff
`
`as against
`
`the mortgaged
`
`premises.
`
`THAT
`
`all
`
`of
`
`the
`
`said
`
`defendants
`
`are of
`
`full
`
`age;
`
`that
`
`none
`
`of
`
`the
`
`defendants
`
`are in the
`
`of
`
`States
`
`of America.
`
`See Exhibit
`
`"J".
`
`armed
`
`services
`
`the United
`
`THAT
`
`none
`
`of
`
`the
`
`defendants
`
`are of unsound
`
`mind
`
`and
`
`that
`
`none
`
`of
`
`the
`
`defendants,
`
`who
`
`have
`
`not
`
`appeared,
`
`are
`
`absentees,
`
`except
`
`for PATRICIA
`
`MACKAY,
`
`who
`
`died
`
`on July
`
`14, 2011.
`
`Proof
`
`of death
`
`is annexed
`
`hereto
`
`as Exhibit
`
`"I."
`
`At
`
`the
`
`time
`
`of her
`
`death,
`
`she held
`
`title
`
`to the
`
`premises
`
`as tenants
`
`by
`
`the
`
`entirety,
`
`so upon
`
`her
`
`death
`
`her
`
`interest
`
`in the
`
`property
`
`passed
`
`to her
`
`sons, PATRICK
`
`MACKAY
`
`and MICHAEL
`
`MACKAY,
`
`who
`
`then
`
`passed
`
`their
`
`interest
`
`in the
`
`property
`
`to CHRISTOPHER
`
`MACKAY,
`
`by operation
`
`of
`
`law. A copy
`
`of
`
`the
`
`Plaintiff
`
`deed
`
`is annexed
`
`hereto
`
`as Exhibit
`
`"I".
`
`does
`
`not wish
`
`to seek
`
`a deficiency
`
`judgment
`
`against
`
`PATRICIA
`
`MACKAY,
`
`deceased
`
`mortgagor,
`
`thus,
`
`she is no longer
`
`a necessary
`
`party
`
`to this
`
`action.
`
`Accordingly,
`
`Plaintiff
`
`respectfully
`
`requests
`
`that
`
`PATRICIA
`
`MACKAY
`
`be
`
`removed
`
`from
`
`the
`
`caption
`
`as a party
`
`defendant.
`
`AND deponent
`
`further
`
`says
`
`that more
`
`than
`
`the
`
`legally
`
`required
`
`time
`
`has
`
`elapsed
`
`since
`
`the
`
`due
`
`service
`
`of
`
`the Summons
`
`and Complaint
`
`herein
`
`upon
`
`all
`
`of
`
`the
`
`defendants
`
`as appears
`
`by
`
`the
`
`proofs
`
`of
`
`service
`
`heretofore
`
`filed
`
`in
`
`the
`
`Queens
`
`County
`
`Clerk's
`
`Office,
`
`copies
`
`of
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`which
`
`are attached
`
`hereto
`
`as Exhibit
`
`"G".
`
`That
`
`the
`
`time
`
`of
`
`the
`
`defendants
`
`to appear,
`
`answer
`
`or otherwise
`
`move,
`
`with
`
`respect
`
`to the Complaint
`
`has not
`
`been
`
`extended
`
`by
`
`stipulation,
`
`order
`
`of
`
`the Court
`
`or otherwise,
`
`and
`
`that
`
`none
`
`of
`
`the
`
`defendants
`
`have
`
`answered
`
`the Complaint,
`
`and
`
`none
`
`of
`
`them have
`
`appeared
`
`in said
`
`action.
`
`THAT
`
`no previous
`
`application
`
`has
`
`been made
`
`for
`
`this
`
`or
`
`like
`
`relief.
`
`that
`
`of
`
`The
`
`undersigned
`
`affirms
`
`the
`
`foregoing
`
`statements
`
`are true,
`
`under
`
`the
`
`penalties
`
`perjury.
`
`WHEREFORE,
`
`as set
`
`forth
`
`in the
`
`proposed
`
`Order
`
`of Reference
`
`and
`
`supported
`
`the
`
`by
`
`submissions
`
`before
`
`the Court,
`
`Plaintiff
`
`seeks
`
`the
`
`following
`
`relief:
`
`that Defendant
`
`be found
`
`to
`
`be in default
`
`of
`
`the
`
`pleadings;
`
`granting
`
`of
`
`the motion
`
`for
`
`an Order
`
`of Reference;
`
`that
`
`Plaintiff
`
`has
`
`complied
`
`with
`
`New York
`
`C.P.L.R.
`
`§ 3012-b,
`
`which
`
`replaced
`
`the October
`
`20,
`
`2010
`
`Administrative
`
`of
`
`Administrative
`
`Order
`
`of
`
`the Chief
`
`Judge
`
`the Courts;
`
`the
`
`appointment
`
`of a
`
`Referee
`
`to ascertain
`
`and
`
`compute
`
`the
`
`amount
`
`due
`
`upon
`
`the
`
`bond/note
`
`and mortgage
`
`being
`
`foreclosed
`
`in this
`
`action
`
`and
`
`to examine
`
`and
`
`report
`
`whether
`
`the mortgaged
`
`premises
`
`can
`
`be
`
`sold
`
`in parcels;
`
`that
`
`the
`
`correct
`
`legal
`
`description
`
`be substituted
`
`nunc
`
`pro
`
`tune
`
`for
`
`the
`
`erroneous
`
`property
`
`description
`
`as contained
`
`in the mortgage
`
`recorded
`
`on June
`
`10, 2008,
`
`that
`
`the
`
`be amended
`
`PATRICIA
`
`caption
`
`to delete
`
`MACKAY,
`
`deceased
`
`mortgagor
`
`and
`
`further
`
`amended
`
`to substitute
`
`Jennifer
`
`"Doe",
`
`a woman
`
`who
`
`refused
`
`to identify
`
`her
`
`last
`
`name,
`
`in
`
`place
`
`of
`
`"John
`
`Doe
`
`#1"
`
`and
`
`by
`
`striking
`
`therefrom
`
`the
`
`remaining
`
`defendants
`
`sued
`
`herein
`
`as
`
`"John
`
`Doe
`
`#2-10";
`
`and
`
`for
`
`such
`
`other
`
`and
`
`further
`
`relief
`
`as the Court
`
`finds
`
`just
`
`and
`
`proper.
`
`Dated:
`
`May
`
`4, 2015
`
`Craig
`
`K.
`
`ideman,
`
`Esq.
`
`r
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`OF NEW YORK
`STATE
`COURT
`SUPREME
`BANK
`OF AMERICA,
`
`N.A.,
`
`COUNTY
`
`OF QUEENS
`
`-vs-
`
`Plaintiff,
`
`AFFIRMATION
`OCCUPANCY
`
`OF
`
`No.
`Index
`705192/2014
`
`A/K/A
`
`MACKAY
`PATRICIA
`PATRICIA
`R. MACKAY;
`CHRISTOPHER
`MACKAY;
`DOE"
`AND "JANE
`"JOHN
`it being
`names
`fictitious,
`being
`Plaintiff
`to designate
`and
`any
`foreclosed
`herein,
`being
`
`DOE"
`
`said
`intention
`the
`occupants
`
`all
`
`of
`of
`
`the
`
`premises
`
`Defendants.
`
`K. Beideman,
`Craig
`of New York,
`and
`State
`for
`the
`plaintiff
`attorneys
`
`the
`Esq.,
`an Associate
`herein
`avers:
`
`undersigned,
`in the
`
`to practice
`admitted
`an attorney
`Such & Crane,
`law firm
`of Fein,
`
`law
`LLP
`
`in the
`
`attached
`on the
`based
`1. That,
`at
`the
`occupants
`reside
`doe
`requested
`It
`is accordingly
`PATRICIA
`action
`by deleting
`DOE"
`"JOHN
`by deleting
`the
`current
`of
`occupant,
`and
`such
`caption
`shall
`
`certain
`11104.
`in this
`modified
`name
`name,
`
`Jennifer
`appear
`
`of
`affidavits
`known
`property
`that
`the Court
`MACKAY,
`and
`"JANE
`"Doe",
`as follows:
`
`discovered
`been
`it has
`service,
`as 50-11
`39th
`Place,
`Sunnyside,
`allow
`the Plaintiff
`to amend
`the
`deceased
`mortgagor
`and
`further
`DOE"
`as defendants,
`substituting
`who
`refused
`to identify
`
`a woman
`
`that
`
`NY
`caption
`
`the
`her
`
`last
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`-vs-
`
`Plaintiff,
`
`CHRISTOPHER
`JENNIFER
`who
`refused
`
`MACKAY;
`a woman
`her
`last
`
`"DOE",
`to identify
`
`name;
`
`Defendants,
`
`Dated:
`
`May
`
`4, 2015
`
`q.
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF QUEENS
`
`OF NEW YORK
`
`x
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`Index
`
`No.
`
`705192/2014
`
`-against-
`
`Plaintiff,
`
`AFFIDAVIT
`DUE
`
`OF MERIT
`
`AND AMOUNT
`
`A/K/A
`
`MACKAY
`PATRICIA
`R. MACKAY;
`PATRICIA
`CHRISTOPHER
`MACKAY;
`DOE" AND "JANE
`"JOHN
`it being
`fictitious,
`being
`and
`all
`designate
`any
`foreclosed
`herein,
`being
`
`DOE"
`
`intention
`the
`occupants
`
`said
`
`of
`
`names
`of Plaintiff
`the
`premises
`
`to
`
`Defendants.
`
`STATE
`
`OF
`
`P~
`
`~
`
`i
`
`a a 4 A
`
`COUNTY
`
`OF
`
`pr\
`
`~
`
`m
`
`x
`
`:)
`
`)
`
`Q t
`
`choa
`
`&|
`
`,
`
`being
`
`duly
`
`sworn,
`
`deposes
`
`and
`
`says
`
`under
`
`penalty
`
`of perjury:
`
`1.
`
`I am authorized
`
`to
`
`sign
`
`this
`
`affidavit
`
`on
`
`behalf
`
`of
`
`plaintiff
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`as
`
`an
`
`officer
`
`of Bank
`
`of America,
`
`N.A.
`
`("BANA").
`
`2.
`
`BANA
`
`maintains
`
`records
`
`for
`
`the
`
`subject
`
`loan
`
`("the
`
`Loan"
`Loan").
`
`As
`
`part
`
`of my
`
`job
`
`responsibilities
`
`for
`
`plaintiff,
`
`I am familiar
`
`with
`
`the
`
`type
`
`of
`
`records
`
`maintained
`
`by
`
`BANA
`
`in connection
`
`with
`
`the
`
`Loan.
`
`3.
`
`The
`
`information
`
`in this
`
`affidavit
`
`is taken
`
`from
`
`BANA's
`
`business
`
`records.
`
`personal
`
`knowledge
`
`of
`
`BANA's
`
`procedures
`
`for
`
`creating
`
`and
`
`maintaining
`
`I have
`
`these
`
`records.
`
`Such
`
`business
`
`records
`
`are:
`
`(a) made
`
`at
`
`or
`
`near
`
`the
`
`time
`
`of
`
`the
`
`occurrence
`NY - Plaintiff
`NYAOllD2
`
`of
`
`the matters
`
`set
`
`therein
`forth
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`by
`
`persons
`
`with
`
`personal
`
`knowledge
`Page 2 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`of
`
`the
`
`information
`
`in
`
`the
`
`business
`
`record,
`
`or
`
`from
`
`information
`
`transmitted
`
`by
`
`persons
`
`with
`
`personal
`
`knowledge;
`
`conducted
`
`business
`
`activities;
`
`and
`
`(b)
`
`(c)
`
`are
`
`kept
`
`in the
`
`course
`
`of BANA's
`
`regularly
`
`it
`
`is the
`
`regular
`
`practice
`
`of BANA
`
`to make
`
`such
`
`records.
`
`I personally
`
`confirmed
`
`that
`
`the
`
`loan
`
`information
`
`in this
`
`affidavit
`
`is
`
`accurate
`
`by
`
`reading
`
`the
`
`affidavit
`
`and
`
`attachments,
`
`and
`
`checking
`
`that
`
`the
`
`loan
`
`information
`
`in this
`
`affidavit
`
`matches
`
`BANA's
`
`on-line
`
`records
`
`available
`
`to me.
`
`business
`
`show
`
`that
`
`this
`
`foreclosure
`
`action
`
`concerns
`
`the
`
`4.
`
`The
`
`located
`
`at
`
`50-11
`
`records
`39™
`39
`
`PLACE,
`
`SUNNYSIDE,
`
`New
`
`York
`
`11104
`
`(the
`
`Property).
`
`property
`
`The
`
`business
`
`records
`
`also
`
`show
`
`that
`
`the
`
`Loan
`
`is evidenced
`
`by
`
`a promissory
`
`(Note)
`
`executed
`
`by
`
`PATRICIA
`
`R. MACKAY
`
`(Borrower(s))
`
`and
`
`secured
`
`note
`
`by
`
`a
`
`mortgage
`
`made
`
`to PATRICIA
`
`R. MACKAY
`
`AKA
`
`PATRICIA
`
`MACKAY.
`
`True
`
`and
`
`correct
`
`copies
`
`of
`
`the
`
`note
`
`and
`
`mortgage
`
`are
`
`attached
`
`as
`
`Exhibit
`
`1,
`
`and
`
`are
`
`business
`
`records
`
`of
`
`BANA.
`
`BANK
`
`OF
`
`AMERICA,
`
`N.A.,
`
`directly
`
`or
`
`through
`
`an
`
`the
`
`note.
`
`The
`
`note
`
`has
`
`been
`
`agent,
`
`has
`
`possession
`
`of
`
`promissory
`
`promissory
`
`duly
`
`indorsed.
`
`BANK
`
`OF AMERICA,
`
`N.A.
`
`is the
`
`original
`
`mortgagee
`
`or beneficiary
`
`of
`
`the
`
`security
`
`instrument
`
`for
`
`the
`
`referenced
`
`loan.
`
`At
`
`the
`
`time
`
`this
`
`action
`
`was
`
`commenced,
`
`BANK
`
`OF AMERICA,
`
`N.A.
`
`was
`
`the
`
`holder
`
`of
`
`the
`
`note.
`
`5.
`
`The
`
`Note
`
`obligates
`
`the
`
`Borrower(s)
`
`to make
`
`monthly
`
`payments
`
`of
`
`principal
`
`and/or
`
`interest
`
`commencing
`
`on
`
`a
`
`date
`
`set
`
`forth
`
`in
`
`the
`
`Note.
`
`(the
`
`Monthly
`
`Payment).
`
`6.
`
`According
`
`to the
`
`business
`
`records
`
`I have
`
`reviewed,
`
`the
`
`Borrower(s)
`
`defaulted
`
`on
`
`on
`
`and
`
`the
`
`Loan
`
`continuing
`
`$93,322.28
`
`by
`
`to
`
`failing
`
`to
`
`make
`
`Monthly
`
`Payments
`
`due
`
`11/10/2013,
`
`the
`
`present.
`
`The
`
`unpaid
`
`principal
`
`balance
`
`due
`
`on
`
`the
`
`Loan
`
`as
`
`set
`
`forth
`
`on
`
`the
`
`annexed
`
`schedule
`
`in
`
`Exhibit
`
`2, which
`
`is
`
`is
`
`a
`
`business
`
`record
`
`of BANA.
`
`7.
`
`The
`
`business
`
`record
`
`attached
`
`as
`
`Exhibit
`
`3
`
`is
`
`a
`
`notice
`
`of
`
`default
`
`dated
`
`08/24/2012
`
`that
`
`was
`
`mailed
`
`to
`
`the
`
`Borrower(s).
`
`According
`
`to BANA's
`
`business
`
`records
`
`that
`
`I reviewed,
`
`the
`
`Borrower(s)
`
`has
`
`(have)
`
`not
`
`cured
`
`the
`
`default.
`
`NY -Plaintiff
`NYAOIID2
`
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`Page 3 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`8.
`
`The
`
`Plaintiff
`
`was
`
`not
`
`required
`
`to
`
`send
`
`the
`
`borrower
`
`a
`
`90
`
`day
`
`pre-foreclosure
`
`notice.
`
`NY -Plaintiff
`NYAOIID2
`
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`Page 4 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`9.
`
`FEIN,
`
`SUCH,
`
`AND CRANE,
`
`LLP,
`
`has
`
`been
`
`retained
`
`to prosecute
`
`this
`
`foreclosure
`
`action
`
`on
`
`plaintiffs
`
`behalf
`
`and
`
`plaintiff
`
`is obligated
`
`to
`
`pay
`
`a reasonable
`
`fee
`
`and
`
`reimburse
`
`costs
`
`incurred
`
`in connection
`
`with
`
`the
`
`firm's
`
`services.
`
`The
`
`law
`
`firm will
`
`submit
`
`its own
`
`affidavit
`
`or documentation
`
`supporting
`
`and
`
`requesting
`
`the
`
`fees
`
`and
`
`from
`
`this
`
`action
`
`in accordance
`
`with
`
`applicable
`
`law.
`
`costs
`
`FURTHER
`
`AFFIANT
`
`SAYETH
`
`NAUGHT
`
`Wh W (
`Pt~e- M<c Q A ~6
`
`Q lb,& {/L WS
`
`i(
`
`C
`
`fi.~X
`
`t
`
`>c
`
`lQ
`
`Name
`
`:).—
`
`'
`
`Title
`
`Date
`
`SWORN TO and
`Mg uc _ w.7
`6 ~o‰5ld
`
`subscribed
`
`before
`
`of Apn
`me this dh day
`an AS y ‰e-Ir ucc e
`, as
`
`\
`
`, 20JS,
`
`by,by
`
`gc
`
`e,
`
`Cr
`
`Of
`
`Bank
`
`of America,
`
`N.A.
`
`He/
`
`()
`
`is personally
`
`known
`
`to me or
`
`(J
`
`produced
`
`()nyt)5
`
`\\ÈSC
`
`as
`
`identification.
`
`COMMONWEALTH
`
`OF PENNSYLVANIA
`NOTARIAL SEAL
`SHANNON N VARNER, NoTARY PUBLIC
`CITY OF PITTSBURGH, ALLEGHENY COUNTY
`MY COMMISSION EXPIRES FEB. 10, 2019
`
`nrw'
`
`Notary
`
`Public
`'
`My commission
`
`expires
`
`Rt)
`
`~i
`
`NY - Plaintiff
`NYAOllD2
`
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`Page 5 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`UNIFORM
`
`CERTIFICATE
`
`OF ACKNOWLEDGEMENT
`
`(OUTSIDE
`
`OF NEW YORK STATE)
`
`STATE
`
`OF
`
`Ÿe ,my
`c
`
`COUNTY
`
`OF
`
`pr
`
`\ \
`
`1 o 6 a A
`k m ¼
`C
`
`)
`
`)
`
`On the
`
`Ô
`
`day
`
`of
`
`the
`
`undersigned,
`
`personally
`
`pÁ \
`
`in the
`
`,
`
`appeared ‰ 6 w T4 c L'm S
`
`year
`
`of 20
`
`(6
`
`before
`
`me,
`
`.
`
`personally
`
`individual(s)
`
`known
`
`to me or proved
`
`to me on
`
`the
`
`basis
`
`of satisfactory
`
`evidence
`
`to be
`
`the
`
`whose
`
`name(s)
`
`are)
`
`subscribed
`
`to the within
`
`instrument
`
`and
`
`he
`
`executed
`
`the
`
`same
`
`heir
`
`acknowledged
`
`to me that
`
`/they
`
`in his
`
`capacity(ies),
`
`and
`
`that
`
`by
`
`his/
`
`their
`
`signature(s)
`
`on
`
`the
`
`instrument,
`
`the
`
`individual(s),
`
`or
`
`the
`
`person
`
`upon
`
`behalf
`
`of which
`
`the
`
`individual(s)
`
`acted,
`
`executed
`
`the
`
`instrument,
`
`and
`
`that
`
`such
`
`individual
`
`made
`
`such
`
`appearance
`
`before
`
`the
`
`undersigned
`
`in Pittsburgh,
`
`Pennsylvania.
`
`r)
`
`/)J
`
`f) Q y'L/'./I
`
`IQQQ)b
`
`7(II
`
`)I)L
`
`(Signature
`
`and
`
`office
`
`of
`
`individual
`
`taking
`
`proof.)
`
`COMMONWEALTH
`OF PENNSYLVANIA
`NOTARIAL SEAL
`SHANNON N VARNER, NoTARY PUBLIC
`CITY oF PITTSBURGH, ALLEGHENY COUNTY
`MY COMMISSION EXPlRES FEB. 10, 2019
`
`—
`NY -Plaintiff
`NYAOlID2
`
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`Page 6 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF QUEENS
`
`OF NEW YORK
`
`BANK
`
`OF AMERICA,
`
`N.A.,
`
`Plaintiff,
`
`-against-
`
`CERTIFICATE
`
`OF CONFORMITY
`
`INDEX
`
`NO.:
`
`705192/2014
`
`MACKAY
`PATRICIA
`PATRICIA
`R. MACKAY;
`CHRISTOPHER
`MACKAY;
`DOE" AND "JANE
`"JOHN
`intention
`the
`it being
`fictitious,
`being
`and
`all occupants
`to designate
`
`any
`
`A/K/A
`
`DOE"
`
`names
`said
`of Plaintiff
`the premises
`
`of
`
`being
`
`foreclosed
`
`herein,
`
`Defendant.
`
`COMMONWEALTH
`
`OF PENNSYLVANIA
`
`COUNTY
`
`OF ALLEGHENY
`
`That
`
`the
`
`undersigned
`
`does
`
`hereby
`
`certify
`
`that
`
`he
`
`is an
`
`attorney
`
`at
`
`law duly
`
`admitted
`
`to practice
`
`in the Commonwealth
`
`of Pennsylvania;
`
`that
`
`haggis
`
`a person
`
`duly
`
`qualified
`
`this
`
`Certificate
`
`pursuant
`
`to NYS RPL
`
`that
`
`he
`
`to make
`
`of Conformity
`
`299-a;
`
`does
`
`hereby
`
`certify
`
`that
`
`the
`
`acknowledgment
`
`attached
`
`hereto
`
`was
`
`taken
`
`in the manner
`
`prescribed
`
`by
`
`the
`
`laws
`
`of
`
`the Commonwealth
`
`of Pennsylvania
`
`and
`
`that
`
`the
`
`form
`
`of
`
`acknowledgment
`
`conforms
`
`to the
`
`laws
`
`of
`
`the Commonwealth
`
`Of Pennsylvania.
`
`IN WITNESS
`
`WHEREOF,
`, 2O~S
`
`I have
`
`hereunto
`
`set my hand
`
`this
`
`3
`
`day
`
`of
`
`Print
`
`Name: ~
`
`PA Attorney
`
`I.D. No.:
`
`f55
`
`I f
`
`225
`
`Fifth
`
`Avenue
`
`Pittsburgh,
`
`Pennsylvania
`
`15222
`
`NY - Plaintiff
`NYAOllD2
`
`PATRICIA MACKAY
`50-11 39™ PLACE
`SUNNYSIDE
`New York
`11104
`
`Page 7 of 7
`
`

`

`INDEX NO. 705192/2014
`INDEX NO- 705192/2014
`
`
`
`
`
`
`RECEIVED NYSCEF: 04/27/2018
`RfiCfiIVfiD VYSCEF: 04/27/20;8
`E‘5
`
`I5
`
`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`FILED: OUEENS COUNTY CLERK 04m2018 03:02 PM
`
`NYSCEF DOC. NO. 68
`‘
`NYSCEF DOC. NO. 68
`
`I I I
`
`,
`
`I
`
`.11 I
`
`r
`
`}
`
`-4
`
`)
`
`5 a
`
`-was»._..--
`
`.e
`
`.
`
`I
`
`-’-as.»M...—PM~JJ-V¢.'u.s-luv-H;-«uh-m.a.-.
`
`
`
`
` du..d.-~wwh‘c-'~Quon"--—v-a\n.,«uwmun-rm‘--’<-'-"-‘
`
`II
`
`Il
`
`WI
`
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`
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`
`'V
`
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`
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`
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`
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`
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`
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`
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`
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`_-..-.«7..
`
`II
`
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`
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`
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`
`4
`
`“FM:
`'t'
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`'t
`
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`
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`
`t
`t
`
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`
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`
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`
`I
`
`I
`
`I
`
`I
`
`'I
`
`I
`..._
`
`
`
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`PROMISSORY
`
`NOTE
`
`Account Number
`
`Date: MAY 10,
`
`2000
`
`Lender Name and Address: Ban k of America,
`Charlot
`Tryon
`100 No rth
`te,
`Street,
`
`NA
`North
`
`Borrower's Name: PAT RICIA
`
`R MACKAY
`
`I,theundeisigned,amanattomoyadmittedtopracticein thecourtsof Newk<".
`andcertifythattheannexedconsistingoflpages, hasbeencomparedbyme
`withtheodgi al andfor!xf lo bea 1 pandcom ,
`/ thereof.
`'
`/
`r
`'7 oui
`Dw 7
`zgi'>p,''c/
`
`Ca rolina
`
`20255
`
`Property Serving as Security (0le "Property"):
`11104
`
`50-11
`
`39TH E'LACE, SUNNYSIDE,
`
`NEW YORK
`
`L
`
`TO PAY
`BORROWER'S
`PROMISE
`("Borrower"
`100, 000. 00
`I ("Borrower") have received,
`In return for a lotm that
`I promise to pay U.S. 8
`(the"Lender"
`"Principal"
`plus interest, to the order of Bankof America, N.A.
`or "you").
`(this amount will be called "Principai"),
`(the
`10more than one person signs this Note, each of us is fully and personally obligated to pay the full amount
`"
`owed and to keep all of the promises made in this Notc. The term "Borrower
`(a each person who
`1, or me refers
`signs this Note. Any guarantor, surety, or endorser of this Note is also obligated to do these things. ThcLender may
`enforce its rights under this Note against each of us individually or against all of us together. This means that any
`one of us may be required to pay all of the amounts owed under this Note.
`
`2,
`
`INTEREST
`I will pay interest at a yearly rate of
`the full amount of Principal has been paid.
`
`7 . 790 ¾ hiterest will be charged on unpaid Principal until
`
`3.
`
`PAYMENTS
`I will pay Principal and interest by making payments each month of U.S. S 757 . 95
`10th
`2008
`day of each month beginning on
`I will make my payments on the
`JUNE 1 0,
`I will make these payments every utonth until
`I have paid all of
`the Principal and interest and any other charges,
`, I still owe amounts
`that I may owe under this Note.
`If, on MAY 10,
`2033
`described below,
`in full, on that date.
`under this Note,
`I will pay all those amounts,
`Unless otherwise agreed or required by applicable law, payments will be applied first,
`to all
`interest due and
`this Note,
`then to fees or other charges dueler
`owing on the date payment is credited,
`then to Principal,
`including
`unpaid collection costs and late charges.
`Interest on this Note is computed on a 365/365, simple interest basis; that
`it1terest rate over the number of days in one year (or 365), multiplied by the
`is, by applying the ratio of the annual
`outstanding Principal balance, and multiplied by the actual number of days in the year that the Principal balance is
`I will pay the Leader at Lender's address shown above or at such o0ler place as Lender may designate
`outstanding.
`in writing.
`
`4.
`
`INFORMATION
`PAYMENT
`in full,"
`"without mcourse,"
`You may accept late payments, partial payments or payments marked "payment
`language or payments accompanied by a letter stating that your acceptance of the payment
`indicates your
`or similar
`of'
`agreement to the terms set forth in the letter without giving up, waiving or losing any of your rights under law or
`under this Note.
`
`PATRICIA
`R MACKAY
`NEW YORK PROMISSORYNOTE
`SECOND UEN
`NYSCCBOA 09IOI/05
`
`pageI
`
`o(7
`
`DocMagic 45)&one we4M362
`www.docmagic.com
`
`I
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`I
`
`If I make a payment(s) before or after
`the due date, the amount of my final payment may be higher or lower
`the original payment schedule.
`I will make all payments in U.S. dollars, payable through a United States
`financial
`institution or the U.S. Post OfBce. You will credit payments to this Note on the business
`day received if
`received before 2:00 P.M. at the location you specify or at one or your banking centers in the state of the Lender's
`address first described above. Otherwise payments may not be credited to my loan for up to five (5) business days,
`even if payment
`is received under your arrangementwith
`anaffiliated bank to accept payments hom your customers
`or at one of your ATMs.
`A business day is any day, Monday through Friday,
`that is not a legal holiday. Unless
`to determine whether alate chargeis due, you will apply any payment received
`otherwise required by applicable law,
`to the oldest payment due.
`
`5.
`
`PREPAYMENT
`I may make a full papayment or a partial prepayment without paying any penalty. The Lender will apply all
`that I owe under
`prepayments to reduce the amount of Principal
`this Note. This may result
`in my making fewer
`relieve me of my obligation to continue to makepaymentsunder
`payments. Early payment will
`the payanent schedule
`and will be applied to the next due payment.
`If a prepayment
`is insufficient
`to meet the entire requirement of a
`future installment
`,thenthen I shall be obligated to pay suchportion of the installmentnot
`particular
`covered by thepartial
`prepayment. My obligation to continue to makeregular payments under the payment schedule will
`resume with the
`next payment coming due after all early payments have been applied.
`
`6,
`
`LATE CHARGE
`.
`is 15 days or more late, I will be charged 4.00% of the unpaid portion of the regularly scheduled
`If a payment
`payment.
`
`7.
`
`ITEM FEE
`DISHONORED
`I will pay a fee to the Lender of $20.00 ifI make apayment on my loan and the check or preauthorized charge
`with which I pay is later dishonored.
`
`8.
`
`LOAN CHARGES
`If a law, which applies to this loan and which sets maximum loan charges,
`is finally interpreted so that the
`interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
`then·
`(a) any such loan charge shallbe reduced by the amount necessary to reduce the charge to the permitted limit;
`then:
`and (b) any sums already collected from me whichexceeded permitted limits will be refunded to me. TheLender may
`choose to make this refund by reducing the Principal
`I owe under this Note or by making a direct payment
`to me.
`the reduction will be treated as a partial Prepa39nent.
`If a refund reduces Principal,
`
`9.
`
`OF LIEN
`RELEASE
`As permitted by applicable law, when I pay off my Note in full and request a satisfaction of mortgage, a full
`reconveyance; certificate of discharge or similar
`instrument denoting that my loan has been paid in full,
`I will pay
`recording a release/satisfaction of
`(as defined below) as required by the
`the actual cost of
`the Security Instrument
`is located.
`recording office where the Security Instrument
`
`10.
`
`AUTOMATIC
`OF RIGHTS
`A.ND RESERVATION
`PAYMENT
`If I choose to have payments from a designated account that I have arranged with Lender to do so, you will
`the payment. Drafts will be made on the payment due date or immediately after the payment due
`automatically draft
`If my deposit account does not have
`the payment due date is on a Saturday, Sunday or a legal holiday.
`if
`date,
`funds to makethe payment due, I understand that it is my obligation to, without notice from you,
`to make
`sufficient
`I make a manual payment, an automatic payment will be dratted from my designated
`the full payment. Even if
`account, unless I make such manual payment at least three (3) business days prior
`to the due date.
`
`R tdACKAY
`PATRICIA
`NEW YORK PROMISSORYNOTE
`. SECONDUEN
`NYSEC.BOA o9/01/05
`
`Page2 of 7
`
`DocMagic GRwngs 8oge49-1362
`www,docmagic.com
`
`

`

`FILED: QUEENS COUNTY CLERK 04/27/2018 03:02 PM
`NYSCEF DOC. NO. 68
`
`INDEX NO. 705192/2014
`
`RECEIVED NYSCEF: 04/27/2018
`
`if I makeless than the full manualpayment at least three (3) business days prior to the due date, only
`However,
`the remaining amount currently due will be drafted. To stop an automatic draft,
`I must contact you at least three (3)
`business days prior
`to the scheduled payment draft date.
`If I have authorized automatic payment,
`then the following
`shall apply:
`I hereby authorize Lender
`the described account for my loan payments.
`to draft
`I agree to the Recurring
`Automatic Payment Authorization
`that will be enclosed with my Automatic Payment
`Terms and Conditions
`confirmation
`notice, unless I otherwise notify the Lender.
`I choose to establish automatic payment
`If
`to draft my
`the authorization will
`remain in full
`designated Bank of America account,
`force and effect until
`the Lender has
`received written or verbal notification from me of its terminationin
`such time and manner as to afford the Lender a
`If at any time, I elect to terminatomy automatic payment, my AnnualPercentage
`reasonable opportunity to act on it.
`Rate will
`increase by 1/4 of 1%