FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`: 57
`PM
`FILED
`SUFFOLK
`COUNTY
`CLERK
`O 9/14/2018
`12
`NYSCEF DOC. NO. 26
`NO.
`1
`NYSCEF
`DOC.
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`FORECLOSURE
`CONSUMER
`
`TRANSACTION
`CREDIT
`TRANSACTION
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF SUFFOLK
`
`OF NEW YORK
`
`COMPASS
`
`BANK,
`
`-against-
`
`Plaintiff,
`
`a/lda
`
`FLORENCE
`MORTGAGE
`INC.
`AS
`
`ROBERT
`KANE;
`ELECTRONIC
`NOMINEE
`FOR
`
`FORECLOSURE
`COMPLAINT
`
`Index
`Date
`
`No.:
`Filed:
`
`L. KANE
`FLORENCE
`PENELOPE
`KANE;
`REGISTRATION
`
`CITIBANK,
`MIDLAND
`FUNDING
`TEACHERS
`
`N.A.;
`AND
`
`KANE;
`SYSTEMS,
`GE MONEY
`N.A.;
`CITIBANK,
`BANK;
`N.A.;
`as MIDLAND
`LLC DBA in New York
`FUNDING
`DELAWARE
`OF
`5LOMIN'S
`LLC;
`INC.;
`CARD
`FEDERAL
`CREDIT
`FIA
`UNION;
`NEW YORK
`STATE
`DEPARTMENT
`OF
`SERVICES,
`FEDERAL
`NATIONAL
`TAXATION
`FINANCE;
`#50"
`#1-
`DOE
`MORTGAGE
`"JOHN
`ASSOCIATION;
`ROE #1-
`"MARY
`last
`the
`two
`names
`fictitious,
`#50",
`being
`other
`have
`intended
`to name
`all
`parties
`who may
`the premises
`descilbed
`in the complaint,
`in or
`upon
`
`being
`interest
`
`lien
`
`and
`it
`
`some
`
`Defendants.
`
`...
`
`...
`
`...
`
`The
`
`plaintiff,
`
`complaining
`
`of
`
`the defendants,
`
`by
`
`its attorneys,
`
`Schiller,
`
`Knapp,
`
`Lefkowitz
`
`&
`
`Hertzel,
`
`LLP,
`
`alleges
`
`as follows:
`
`1.
`
`That
`
`plaintiff
`
`was
`
`at
`
`all
`
`times
`
`hereinafter
`
`mentioned
`
`and
`
`now
`
`is
`
`a
`
`banking
`
`businema
`
`in New York
`
`and orgâñized
`
`under
`
`the laws
`
`of
`
`the
`
`state
`
`corporation
`
`authorized
`
`to conduct
`
`of Alabama.
`
`2.
`
`Upon
`
`infonnation
`
`and
`
`belief,
`
`the
`
`defendants
`
`set
`
`forth
`
`in Schedule
`
`"A"
`
`of
`
`this
`
`complaint
`
`reside
`
`at or have
`
`a place
`
`of business
`
`at
`
`the address
`
`set
`
`forth
`
`therein
`
`or,
`
`if a corporation,
`
`it
`
`was
`
`organized
`
`and is existing
`
`under
`
`and pursuant
`
`to the laws
`
`of
`
`the
`
`state
`
`set
`
`forth
`
`therein,
`
`and
`
`are
`
`made
`
`defendants
`
`in this
`
`action
`
`in accordance
`
`with
`
`the interests
`
`set
`
`forth
`
`therein.
`
`3.
`
`That
`
`the United
`
`States
`
`of America,
`
`the People
`
`of
`
`the State
`
`of New York,
`
`the State
`
`4 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`FILED
`SUFFOLK
`COUNTY
`CLERK
`O 9/14
`/ 2 O18
`12
`57
`:
`PM|
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`NYSCEF:
`RECEIVED
`09/14/2018
`
`Tax Colutnission
`
`of
`
`the State
`
`of New York,
`
`the Indüshiul
`
`Co
`
`ner
`
`of
`
`the State
`
`of New York,
`
`and
`
`all
`
`other
`
`agencies
`
`or
`
`instrumentalines
`
`defedeats
`
`in
`
`this
`
`action,
`
`are
`
`named
`
`as
`
`Schedule
`
`"B"
`
`of
`
`this
`
`complaint.
`
`of
`
`the Federal,
`4 suts
`
`solely
`
`State
`
`or
`
`a local
`
`government,
`
`if made
`
`by
`
`reason
`
`of
`
`the matters
`
`set
`
`forth
`
`in
`
`4.
`
`Upon
`
`information
`
`and belief,
`
`that
`
`the defendants,
`
`"JOHN
`
`DOE"
`
`and "MARY
`
`ROE"
`
`in the caption
`
`is or are a tenant
`
`or
`
`tenants
`
`(fictitious
`
`names),
`
`if named
`
`to this
`
`complaint,
`
`occupying
`
`the
`
`premises,
`
`or
`
`some
`
`part
`
`thereof;
`
`or
`
`have
`
`some
`
`interest
`
`in,
`
`or
`
`lien
`
`upon,
`
`the
`
`premises
`
`to be
`
`foreclosed.
`
`AS AND FOR A FIRST
`
`CAUSE
`
`OF ACTION
`
`5.
`
`That
`
`heretofore,
`
`the
`
`defendants,
`
`whose
`
`names
`
`appear
`
`in
`
`the
`
`copy
`
`of
`
`the
`
`debt
`
`instraracñt
`
`set
`
`forth
`
`in Schedule
`
`"C"
`
`of
`
`this
`
`complaint
`
`(which
`
`is a true
`
`and exact
`
`copy
`
`thereof),
`
`duly
`
`acknowledged
`
`the
`
`extension
`
`executed
`
`and
`
`bond,
`
`note,
`
`guaranty,
`
`agreement,
`
`modification
`
`agreement,
`
`consolidation
`
`agreement,
`
`assumption
`
`agrccrñent,
`
`security
`
`agrceñieñt,
`
`deed
`
`or
`
`other
`
`instrument
`
`set
`
`forth
`
`in Schedule
`
`"C"
`
`of
`
`this
`
`complaint
`
`for
`
`the purpose
`
`of securing
`
`payment
`
`of a sum
`
`of money
`
`to plaintiff
`
`wliciels
`
`and wheiety
`
`said defendants
`
`covenanted
`
`to pay
`
`said
`
`sum of money
`
`to
`
`plaintiff,
`
`with
`
`interest
`
`thereon,
`
`all as more
`
`fully
`
`appears,
`
`together
`
`with
`
`the
`
`terms
`
`of payment
`
`of said
`
`sum and
`
`the
`
`rights
`
`of plaintiff
`
`in Schedule
`
`affidavit
`
`"C".
`
`A lost
`
`note
`
`is also
`
`attached
`
`hereto
`
`as
`
`Schedule
`
`"C".
`
`6.
`
`That
`
`as
`
`security
`
`for
`
`the
`
`payment
`
`of
`
`said
`
`indebtedness,
`
`Floresee
`
`L. Kane
`
`a/k/a
`
`Florence
`
`Kaue,
`
`Robert
`
`Kane,
`
`and Penelope
`
`Kane
`
`executed,
`
`acknowledged
`
`and delivered
`
`to plaintiff
`
`Mortgage
`
`included
`
`as Schedule
`
`"D"
`
`of
`
`this
`
`complaint
`
`7.
`
`That
`
`said mortgage
`
`was
`
`duly
`
`recorded
`
`in the Office
`
`of
`
`the Suffolk
`
`County
`
`Clerk
`
`and
`
`the appropriate
`
`mortgage
`
`tax was duly
`
`paid
`
`thereon.
`
`5 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`[FEED
`: 57
`SUFFOLK
`COUNTY
`CLERK
`09/14
`/ 2018
`12
`:
`PId
`NYSCEF DOC. NO. 26
`DOC.
`NO.
`1
`NYSCEF
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`8.
`
`That
`
`the mortgage
`
`has been
`
`assigned
`
`to plaintiff
`
`by Assignment
`
`included
`
`herein
`
`as
`
`Schedule
`
`"E".
`
`9.
`
`That
`
`the
`
`defendants,
`
`Florence
`
`L Kane
`
`a/k/a
`
`Florence
`
`Kane,
`
`Robert
`
`Kane,
`
`and
`
`Penelope
`
`Kane,
`
`failed
`
`and neglected
`
`to comply
`
`with
`
`the terms
`
`and conW=¤
`
`of
`
`the debt
`
`instrument
`
`and/or
`
`mortgage
`
`respectively
`
`described
`
`in Schedules
`
`"C"
`
`and "D"
`
`hereof,
`
`by
`
`failing
`
`and omitting
`
`to pay
`
`the items
`
`of principal,
`
`interest,
`
`taxes,
`
`assaments,
`
`water
`
`rents,
`
`insurance
`
`premiums,
`
`escrow
`
`other
`
`to perfonn
`
`a covenant
`
`contained
`
`in the aforesaid
`
`all
`
`and/or
`
`charges,
`
`or by
`
`failing
`
`documents,
`
`as more
`
`fully
`
`set
`
`forth
`
`in Schedalc
`
`"F"
`
`of
`
`this
`
`complaint,
`
`and plaintiff
`
`has
`
`previously
`
`elected
`
`and
`
`hereby
`
`elects
`
`to
`
`call
`
`due
`
`the
`
`entire
`
`amount
`
`secured
`
`the mortgage
`
`described
`
`in paragraph
`
`by
`
`"6"
`
`hereof
`
`as more
`
`fully
`
`set
`
`forth
`
`in Schedule
`
`"F"
`
`hereof.
`
`10.
`
`That
`
`in order
`
`to protect
`
`its security
`
`the plaintiff
`
`has been,
`
`and/or may
`
`be,
`
`compelled
`
`during
`
`the pëñdeñcy
`
`of
`
`this
`
`action
`
`to pay
`
`local
`
`taxes,
`
`ssësmats,
`
`water
`
`rents,
`
`insurance
`
`premiums,
`
`premiums
`
`F.H.A.
`
`or Veterans
`
`Administration
`
`or charges,
`
`and other
`
`charges
`
`affecting
`
`the mortgaged
`
`premises,
`
`and the plaintiffrequests
`
`that any
`
`sums
`
`thus
`
`paid
`
`by
`
`it
`
`for
`
`the said purposes,
`
`together
`
`with
`
`interest
`
`thereon,
`
`should
`
`be
`
`added
`
`to the
`
`sum otherwise
`
`due
`
`and
`
`be
`
`deemed
`
`secured
`
`by
`
`the
`
`said
`
`mortgage
`
`and be adjudged
`
`a valid
`
`lien
`
`on the mortgaged
`
`premises.
`
`11,
`
`That
`
`in accordance
`
`with
`
`the terms
`
`of
`
`the said
`
`debt
`
`instrument
`
`and mortgage
`
`in any
`
`action
`
`upon
`
`the
`
`defendants
`
`referred
`
`to
`
`in
`
`paragraph
`
`"5"
`
`hereof
`
`agreed
`
`to
`
`plaintiffs
`
`same,
`
`pay
`
`reasanable
`
`attorney's
`
`fees
`
`in connection
`
`with
`
`such
`
`action,
`
`which
`
`fees
`
`are demal
`
`to be sceured
`
`by
`
`the
`
`said mortgage
`
`and
`
`are a lien
`
`on the premises
`
`prior
`
`to any
`
`right,
`
`title,
`
`claim
`
`or
`
`interest
`
`in,
`
`to or
`
`upon
`
`the mortgaged
`
`premises
`
`attaching
`
`or accruing
`
`subsequen
`
`to the lien
`
`of said mortgage.
`
`12.
`
`That
`
`the
`
`defendants
`
`referred
`
`to in paragraph
`
`"5"
`
`hereof
`
`did
`
`in
`
`fact
`
`receive
`
`such
`
`loan
`
`in the principal
`
`amount
`
`evidenced
`
`by Schedules
`
`"C"
`
`and
`
`plaintiff
`
`did
`
`advance
`
`said
`
`sum to
`
`said
`
`defendant.
`
`6 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`SUF FOLK
`COUNTY
`CLERK
`12
`: 5 7 PM
`(F ILED
`/ 2 O 18
`0 9 / 14
`:
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`13.
`
`That
`
`Plaintiff
`
`shall
`
`not
`
`be deemed
`
`to have waived,
`
`reha
`
`or changed
`
`the
`
`election
`
`hereinbefore
`
`made
`
`by
`
`reason
`
`of
`
`the payment,
`
`after
`
`the date
`
`of
`
`the commencement
`
`of
`
`tbis
`
`action,
`
`of
`
`any
`
`and
`
`all of
`
`the M=*c
`
`mentioned
`
`herein;
`
`and such
`
`election
`
`shall
`
`continue
`
`and remain
`
`effective
`
`until
`
`the
`
`costs
`
`and
`
`disburscments
`
`of
`
`this
`
`action,
`
`and any
`
`and
`
`all
`
`future
`
`defaults
`
`under
`
`the
`
`aforesaid
`
`Note
`
`and Mortgage
`
`occurring
`
`prior
`
`to the discontinuance
`
`of
`
`this
`
`action
`
`are fully
`
`paid.
`
`whose
`
`"A"
`
`"B"
`
`and
`
`hereof
`
`and
`
`the
`
`14.
`
`The
`
`defendants
`
`names
`
`appear
`
`in Schedule
`
`defendants
`
`made
`
`a party
`
`hereto
`
`as set
`
`forth
`
`in paragraph
`
`"4"
`
`hereof,
`
`if
`
`any,
`
`as the
`
`plaintiff
`
`is
`
`informed
`
`and believes,
`
`have
`
`a claim
`
`to or some
`
`interest
`
`in, or
`
`lien
`
`upon
`
`said mortgaged
`
`premises
`
`or some
`
`part
`
`thereof,
`
`which
`
`claims,
`
`interest
`
`or
`
`lien,
`
`if any,
`
`accrued
`
`subsequently
`
`to the lien
`
`of
`
`the
`
`plaintiff
`
`s aforessid
`
`mortgage
`
`and is subordinate
`
`thereto.
`
`15,
`
`That
`
`the
`
`plaintiff
`
`is now
`
`the
`
`sole,
`
`true
`
`and
`
`lawful
`
`owner
`
`and
`
`holder
`
`of
`
`the
`
`debt
`
`"C"
`
`and
`
`all
`
`sums
`
`due
`
`instrument
`
`set
`
`forth
`
`in Schedule
`
`and
`
`the
`
`lien
`
`securing
`
`the
`
`same
`
`presently
`
`thereunder.
`
`The
`
`note was
`
`physically
`
`delivered
`
`to, and is in plaintiff's
`
`possession,
`
`according
`
`to the
`
`plaintiff
`
`s records
`
`of delivery,
`
`such records
`
`having
`
`been made
`
`in the regular
`
`course
`
`of
`
`the plaintiff's
`
`business,
`
`it being
`
`the regular
`
`course
`
`of
`
`the plaintiff
`
`s business
`
`to make
`
`such
`
`records,
`
`at
`
`the
`
`time
`
`of
`
`delivery
`
`or within
`
`a reasonable
`
`time
`
`thcreañer.
`
`16.
`
`There
`
`are no pending
`
`proceedings
`
`and no proceedings
`
`have
`
`been
`
`commenced
`
`at
`
`law
`
`or otherwise
`
`to collect
`
`or enforce
`
`said
`
`debt
`
`instrument
`
`and mortgage,
`
`and
`
`there
`
`is no
`
`other
`
`action
`
`pending
`
`and
`
`no
`
`action
`
`previously
`
`commenced
`
`which
`
`has
`
`been
`
`brought
`
`to recover
`
`said mortgage
`
`debt
`
`or any part
`
`thereof
`
`and no part
`
`of
`
`the mortgage
`
`debt
`
`has been
`
`collected
`
`as a result
`
`of any
`
`legal
`
`proceedings.
`
`Except
`
`the
`
`action
`
`brought
`
`on November
`
`6, 2013
`
`and
`
`re-filed
`
`on October
`
`13,
`
`2016
`
`under
`
`Index
`
`No.
`
`13-29608;
`
`said action
`
`was
`
`cancelled
`
`on October
`
`16, 2017.
`
`17.
`
`If applicable,
`
`the mortgage
`
`was
`
`and still
`
`is in cc
`
`li-me
`
`with
`
`Banking
`
`Law
`
`Section
`
`595-a,
`
`and
`
`any mles
`
`and
`
`regulations
`
`promulgated
`
`thereunder,
`
`and
`
`Sections
`
`6-1 and
`
`6-m
`
`of
`
`the
`
`7 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`2018
`SUFFOLK
`COUNTY
`CLERK
`12157
`IFILED
`09-fl-4
`:
`PM)
`NYSCEF DOC. NO. 26
`NO.
`NYSCEF
`DOC.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`banking
`
`law.
`
`18.
`
`The
`
`plaintiff
`
`has
`
`complied
`
`with RPAPL
`
`1304
`
`by
`
`sending
`
`a notice,
`
`dated
`
`December
`
`13, 2017,
`
`to Florence
`
`L. Kane
`
`a/k/a
`
`Florence
`
`Kane,
`
`Robert
`
`Kane,
`
`and Penelope
`
`Kane,
`
`by
`
`regular
`
`and certified
`
`mail,
`
`A copy
`
`of
`
`the notice
`
`is attached
`
`hereto
`
`as Schedule
`
`"G".
`
`Attached
`
`to each notice
`
`is a list
`
`of government-approved
`
`housing
`
`ouunwilag
`
`agencies
`
`as required
`
`by RPAPL
`
`1304.
`
`19.
`
`Plaiñtiff
`
`has
`
`complied
`
`with RPAPL
`
`1306
`
`filing
`
`the
`
`appropriate
`
`information
`
`with
`
`by
`
`the Department
`
`of Financial
`
`Services
`
`within
`
`three
`
`business
`
`days
`
`of mailing
`
`the
`
`pre-foreclosure
`
`notice.
`
`AS AND FOR A SECOND
`
`CAUSE
`
`OF ACTION
`
`20.
`
`Plaintiff
`
`repeats
`
`and
`
`re-alleges
`
`the
`
`ellegatiotis
`
`contained
`
`in paragraphs
`
`"1"
`
`through
`
`"19"
`
`as though
`
`fully
`
`set
`
`forth
`
`herein.
`
`2L
`
`Upon
`
`infonnation
`
`and
`
`belief,
`
`all
`
`defendants
`
`named
`
`herein
`
`have
`
`or
`
`claim
`
`to have
`
`some
`
`interest
`
`in or
`
`lien
`
`upon
`
`said
`
`rnortgaged
`
`or some
`
`part
`
`and
`
`said
`
`interests
`
`or
`
`premises,
`
`thereof,
`
`liens,
`
`if
`
`any,
`
`have
`
`accrued
`
`schsequent
`
`to the
`
`lien
`
`of
`
`plaintiff's
`
`mortgage,
`
`or have
`
`been
`
`paid
`
`or
`
`equitably
`
`subrogated
`
`to
`
`plaintifPs
`
`mortgage,
`
`or
`
`have
`
`been
`
`duly
`
`subordinated
`
`thereto;
`
`said
`
`defendants
`
`set
`
`forth
`
`in Schedules
`
`"A"
`
`and B"
`
`hereof.
`
`22.
`
`That
`
`it appears
`
`from
`
`public
`
`record
`
`that
`
`there
`
`is a prior
`
`mortgage
`
`held
`
`by
`
`Federal
`
`Nadan
`
`al Mortgage
`
`which
`
`is adverse
`
`to the plaintiff's
`
`interest,
`
`and which
`
`remains
`
`open
`
`Association,
`
`of
`
`record;
`
`said mortgage
`
`made
`
`by Florence
`
`L. Kane
`
`to Commonwealth
`
`Mortgage
`
`Company,
`
`Inc.
`
`for
`
`$116,250.00
`
`and
`
`recorded
`
`in Suffolk
`
`County
`
`on Dmember
`
`21,
`
`1988
`
`in Liber
`
`14751
`
`at Page
`
`223.
`
`Said mortgage
`
`was
`
`assigned
`
`by Stanley
`
`Miller,
`
`Trustee
`
`of
`
`the CMC Liquida6ng
`
`Trust
`
`as Successor
`
`in Interest
`
`to Commonwealth
`
`Mortgage
`
`Company,
`
`Inc.
`
`to Federal
`
`National
`
`Mortgage
`
`Association
`
`by Assignment
`
`dated
`
`April
`
`26,
`
`1993
`
`and recorded
`
`on August
`
`31,
`
`1993
`
`in Liber
`
`18700
`
`at Page
`
`517.
`
`8 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`: 57
`F ILED
`SUFFOLK
`CLERK
`14 / 2 018
`0 9/
`COUN'l'Y
`12
`:
`PM)
`NYSCEF DOC. NO. 26
`1
`NYSCEF
`DOC.
`NO.
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617 923/2
`018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`23.
`
`That,
`
`upon
`
`infonnation
`
`and
`
`belief,
`
`the
`
`lien(s)
`
`of
`
`Federal
`
`National
`
`Mortgage
`
`Association,
`
`has been
`
`paid
`
`and satisfied,
`
`and the former
`
`debt
`
`is no longer
`
`owed
`
`by the borrower.
`
`24.
`
`That
`
`a mortgage
`
`title
`
`policy
`
`was
`
`issued
`
`by
`
`Stewart
`
`Title
`
`Insurance
`
`Company
`
`insuring
`
`first
`
`lien mortgage
`
`and the mortgage
`
`in quesden
`
`is set
`
`to mature
`
`November
`
`1, 2018.
`
`25.
`
`That
`
`the
`
`lien(s)
`
`of Federal
`
`National
`
`Mortgage
`
`Association
`
`appears
`
`of
`
`record
`
`to be
`
`foreclosed
`
`and
`
`is
`
`to
`
`be
`
`declared
`
`invalid
`
`and
`
`prior
`
`and
`
`adverse
`
`to
`
`the mortgage
`
`being
`
`subject
`
`extinguished
`
`pursuant
`
`to Article
`
`15 of
`
`the Real
`
`Property
`
`Actions
`
`and Proceedings
`
`Law.
`
`26.
`
`That
`
`PlaintifPs
`
`attorney
`
`will
`
`comply
`
`with
`
`CPLR 3012-b
`
`by
`
`filing
`
`a Certificate
`
`of
`
`Merit
`
`herewith
`
`as required.
`
`27.
`
`That
`
`Schadtdes
`
`"A",
`
`"B",
`
`"C",
`
`"D",
`
`"E",
`
`"F"
`
`"G"
`
`and
`
`attached
`
`hereto,
`
`are expressly
`
`incorporated
`
`herein
`
`and made
`
`a part
`
`of
`
`this
`
`complaint
`
`for
`
`all purposes
`
`and with
`
`the same
`
`force
`
`and
`
`set
`
`forth
`
`wherever
`
`reference
`
`has been made
`
`to
`
`effect
`
`as if
`
`they were
`
`completely
`
`and
`
`fully
`
`herein,
`
`each
`
`or any of
`
`them above.
`
`WHEREFORE,
`
`plaintiff
`
`demands
`
`judgment
`
`as follows:
`
`On the First Cause
`
`of Action
`
`(a)
`
`That
`
`the
`
`defendants
`
`herein
`
`and
`
`all
`
`persons
`
`claiming
`
`under
`
`them
`
`or
`
`any
`
`of
`
`them
`
`subsequent
`
`to the filing
`
`of
`
`the Notice
`
`of Pendency
`
`of
`
`this
`
`action
`
`in the proper
`
`County
`
`Clerk's
`
`Office
`
`be barred
`
`and forever
`
`form1ossi
`
`of all
`
`right,
`
`title,
`
`claim,
`
`lien
`
`and equity
`
`of
`
`redemption
`
`in and to the
`
`mortgaged
`
`property
`
`described
`
`in Schedule
`
`"D",
`
`herein.
`
`in the mortgage
`
`be sold
`
`(b)
`
`That
`
`the
`
`aforesaid
`
`mortgaged
`
`property
`
`described
`
`according
`
`to law,
`
`and
`
`that
`
`the moneys
`
`arising
`
`from the
`
`sale
`
`thereof
`
`be brought
`
`into
`
`Court,
`
`and there
`
`be paid
`
`therefrom,
`
`insofar
`
`as the moneys
`
`properly
`
`applicable
`
`thereto
`
`will
`
`pay
`
`the
`
`same,
`
`the expenses
`
`of
`
`the
`
`sale,
`
`the
`
`balance
`
`of
`
`the
`
`indebtedness
`
`due
`
`on
`
`the
`
`aforesaid
`
`debt
`
`instruments
`
`and mortgage,
`
`with
`
`interest
`
`thereon
`
`to the
`
`date
`
`of
`
`full
`
`payment
`
`thereof,
`
`and the
`
`costs
`
`and disbursements
`
`of
`
`this
`
`action
`
`9 of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`SU F FOLK
`COUNTY
`CLERK
`O 9/14
`/ 2 018
`12
`f 57
`FI
`LED :
`Ph$
`NYSCEF DOC. NO. 26
`DOC.
`NO.
`1
`NYSCEF
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`NYSCEF:
`RECEIVED
`09/14/2018
`
`and plaintiffs
`
`reasonable
`
`attorney's
`
`fees,
`
`and any
`
`sum or sums which
`
`have
`
`been
`
`paid,
`
`or which
`
`may
`
`hereafter
`
`be paid
`
`by plaintiff,
`
`for
`
`insurance
`
`premiums,
`
`taxes,
`
`water
`
`rents,
`
`sewer
`
`rents,
`
`or charges,
`
`costs
`
`or expenses
`
`of any nature
`
`and kind
`
`whatsoever
`
`arising
`
`out of or
`
`in any way
`
`connected
`
`with
`
`the
`
`mortgaged
`
`premi::::;,
`
`with
`
`interest
`
`thereon
`
`to the date of
`
`full
`
`payment
`
`thereof.
`
`(c)
`
`Appointing
`
`a Receiver
`
`of
`
`the
`
`rents
`
`and
`
`profits
`
`of
`
`all
`
`of
`
`the
`
`aforesaid
`
`mortgaged
`
`Property.
`
`(d)
`
`Against
`
`the démast,
`
`Florence
`
`L. Kane
`
`a/k/a
`
`Florence
`
`Kane
`
`unless
`
`discharged
`
`in
`
`bankruptcy,
`
`for
`
`the
`
`amount
`
`of any
`
`deficiency
`
`which
`
`may
`
`arise
`
`on
`
`the
`
`obligancñs
`
`under
`
`the
`
`said
`
`debt
`
`instrument
`
`and mortgage
`
`respectively
`
`described
`
`in Schedules
`
`"C"
`
`and "D",
`
`after
`
`applying
`
`all
`
`such moneys
`
`as aforesaid.
`
`(e)
`
`Awarding
`
`plaintiff
`
`such
`
`other
`
`and further
`
`relief
`
`as to the Court
`
`shall
`
`seem just
`
`and
`
`equitable.
`
`On the Second
`
`Cause
`
`of Action
`
`(f)
`
`That
`
`the
`
`Defendant,
`
`Federal
`
`National
`
`Mortgage
`
`Association's,
`
`interest
`
`in
`
`the
`
`mortgaged
`
`premises,
`
`and
`
`all persons
`
`or entities
`
`claiming
`
`by,
`
`through
`
`or under
`
`them,
`
`be declared
`
`invalid
`
`and
`
`extingnished
`
`and
`
`that
`
`Defendant,
`
`Federal
`
`National
`
`Mortgage
`
`Association,
`
`and
`
`all
`
`penes
`
`or entities
`
`claiñtiñg
`
`by,
`
`through
`
`or under
`
`them,
`
`be barred
`
`and
`
`foreclosed
`
`of and
`
`from
`
`all
`
`right,
`
`claim,
`
`lien,
`
`interest
`
`or
`
`redemption
`
`in
`
`and
`
`to
`
`said mortgage
`
`premises
`
`and
`
`that
`
`plaintiff
`
`be
`
`granted
`
`reformation
`
`of
`
`the record
`
`to reflect
`
`said lien
`
`as invalid
`
`and extinguished.
`
`(g)
`
`Awarding
`
`the relief
`
`requested
`
`in the second
`
`cause
`
`of action
`
`stated
`
`in this
`
`complaint.
`
`10
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`097147201012f57-
`KLED
`SUFFOLK
`COUNTY
`CLERK
`P
`:
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`(h)
`
`Awarding
`
`plaintiff
`
`such
`
`other
`
`and further
`
`relief
`
`as to the Court
`
`shall
`
`seem just
`
`and
`
`equitable.
`
`Dated:
`
`August
`
`2018
`
`SCBILLER,
`HE
`TZEL,
`
`KNAPP,
`LLP
`
`LEFK0WITZ
`
`&
`
`BY:
`
`RY
`i HERT
`EL, ESQ.
`for Plaintiff
`Attorneys
`950 New Loudon
`Road
`New York
`12110
`Latham,
`(518)786-9069
`
`11
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`PM
`12:57
`09/14/2018
`SUFFOLK
`COUNTY
`CLERK
`LED:
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`NYSCEF:
`RECEIVED
`09/14/2018
`
`SCHEDULE
`
`"A"
`
`12
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`/ 2 018
`: 57
`COUNTY
`CLERK
`SUFFOLK
`F ILED
`12
`O 9 /14
`P1d
`:
`NYSCEF DOC. NO. 26
`NO.
`1
`DOC.
`NYSCEF
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`NYSCEF:
`09/14/2018
`RECEIVED
`
`SCHEDULE
`
`"A"
`
`DEFENDANT
`
`CAPACITY
`
`L. KANE
`
`a/k/a
`
`FLORENCE
`
`ORENCE
`KANE
`90 Auborn
`
`Shirley,
`
`Avenue
`NY 11967
`
`ROBERT
`90 Auborn
`
`Shirley,
`
`KANE
`Avenue
`NY 11967
`
`PENELOPE
`90 Auborn
`
`KANE
`Avenue
`NY 11967
`
`Shirley,
`
`Record
`under
`
`being
`was
`
`Owners
`the Note
`foreclosed
`recorded
`
`County
`Schedule
`
`Clerk,
`"D"
`
`herein,
`in the
`ofEce
`as more
`hereof.
`
`obligors
`original
`the Mortgage
`said
`mortgage
`the Suffolk
`of
`forth
`set
`
`by
`
`fully
`
`in
`
`and
`secured
`
`and
`secured
`
`in
`
`in
`
`Record
`i under
`
`being
`was
`
`Owners
`the Note
`foreclosed
`recorded
`
`County
`Schedule
`
`Clerk,
`"D"
`
`herein,
`in the Office
`as more
`hereof.
`
`obligors
`original
`the Mortgage
`mortgage
`said
`the Suffolk
`of
`forth
`set
`
`by
`
`fully
`
`Owners
`the Note
`forœhad
`recorded
`
`Record
`under
`
`being
`was
`
`County
`Schedule
`
`Clerk,
`"D"
`
`in
`
`and
`secured
`
`by
`
`original
`o ligors
`the Mortgage
`mortgage
`said
`of
`the Suffolk
`set
`forth
`
`fully
`
`herein,
`the Office
`as more
`hereof.
`
`MORTGAGE
`REGISTRATION
`
`ELECTRONIC
`
`INC. AS NOMINEE
`N.A.
`
`SYSTEMS,
`CITIBANK,
`PO Box
`2026
`Flint, MI 48501
`
`N,A.
`Road
`
`CITIBANK,
`Paradise
`3900
`127
`Suite
`Las Vegas, NV 89109
`
`Subordinate
`rñortgsge
`
`M00021481,
`
`Mortgagee
`recorded
`on
`page
`252.
`
`by
`2/22/2007
`
`virtue
`in
`
`of
`Liber
`
`FOR
`
`Subordinate
`mortgage
`
`M00021481,
`Mortgage
`
`Mortgagee
`by
`recorded
`on 2/22/2007
`page
`as
`252,
`Electronic
`
`virtue
`of
`in Liber
`assigned
`Registration
`
`to
`
`Systems,
`
`Inc.
`
`Subordinate
`in
`Fourth
`
`County
`Kane,
`NY 11967,
`on
`12/3/2010
`
`by
`
`virtue
`of
`of
`Court
`against
`
`Lienor
`District
`$883.68
`for
`Auburn
`90
`Avenue,
`11/17/2010
`dated
`and
`No. SMC-
`in Index
`
`BANK
`Road
`
`GE MONEY
`175 Election
`125
`Suite
`CT 84020
`
`Draper,
`
`Possible
`Judgment
`Suffolk
`Florence
`
`Shirley,
`recorded
`
`13
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`0 9/14
`/ 2018
`: 57
`FILED
`SUFFOLK
`COUNTY
`CLERK
`12
`;
`Ply
`NYSCEF DOC. NO. 26
`NO.
`1
`NYSCEF
`DOC.
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`N.A.
`
`CITIBANK,
`Drive
`1111 Northpoint
`TX 75019
`
`Coppell,
`
`Possible
`Judgment
`
`County
`Kane,
`11967,
`6/29/2010
`
`Lienor
`Court
`against
`
`Subordinate
`in
`Supreme
`$93,622.13
`for
`Auburn
`90
`Avenue,
`dated
`6/1/2010
`and
`in Index
`No.12912/10.
`
`of
`
`by
`
`virtue
`Suffolk
`of
`Florence
`
`Shirley,
`recorded
`
`L.
`NY
`on
`
`by
`
`Lienor
`Subordinate
`Court
`in First
`District
`for
`against
`$1,104.77
`Lane
`231
`Sequams
`NY 11795,
`dated
`12/1/2011
`on
`
`Possible
`Judgment
`
`County
`Kane,
`Islip,
`recorded
`0005781.
`
`in
`
`of
`
`virtue
`of Suffolk
`Robert
`West
`Center,
`10/26/2011
`and
`CEC 11-
`Index
`
`DBA
`LLC
`FUNDING
`
`in New
`OF
`
`MIDLAND
`as
`York
`DELAWARE
`8875
`Aero
`Suite
`200
`San Diego,
`
`FUND1NG
`MIDLAND
`LLC
`Drive
`
`CA 92123
`
`125 Lauman
`
`Hicksville,
`
`Lane
`NY 11801
`
`TEACHERS
`102 Motor
`
`Hauppauge,
`
`FEDERAL
`
`CRBDIT
`
`UNiON
`
`Parkway
`NY 11788
`
`in
`
`Judgment
`Suffolk
`County
`Robert
`Kane,
`West
`Islip,
`and
`recorded
`09-0004654.
`
`of
`
`Court
`against
`
`District
`Third
`$2,245.86
`for
`231
`Sequams
`Lane
`Center,
`NY 11795,
`dated
`3/25/2010
`in Index HUD
`on 2/24/2012
`
`Possible
`Judgment
`
`Lienor
`Subordiñãte
`by
`in First
`District
`Court
`for
`$5,807.66
`âgainst
`County
`and Robert
`Kane
`24 Dewey
`Kane,
`NY 11776,
`Port
`Jefferson
`Station,
`recorded
`and
`7/31/2012
`6/21/2012
`on
`No. CEC 12-0003788.
`Index
`
`of
`
`virtue
`of Suffolk
`Patricia
`
`Street,
`dated
`in
`
`Possible
`Judgment
`
`Lienor
`Subordinate
`District
`Court
`in First
`for
`$5,150.37
`against
`County
`and Robert
`24 Dewey
`Kane
`Kane,
`NY 11776,
`Jefferson
`Port
`Station,
`7/31/2012
`and
`9/17/2012
`recorded
`on
`No. CEC 12-0003789.
`Index
`
`by
`
`of
`
`virtue
`of Suffolk
`Patricia
`
`Street,
`dated
`in
`
`15ÏÄ CÃRD
`275 S Valencia
`Brea, CA 92823
`
`SERVICES,
`Avenue
`
`N.A.
`
`Possible
`Judgment
`
`County
`Kane,
`Islip,
`recorded
`
`Subordinate
`Lienor
`District
`Court
`in First
`for
`$9,602.67
`against
`231
`Sequams
`Lane
`NY
`dated
`11795,
`11/18/2011
`
`on
`
`of
`
`by
`
`virtue
`of Suffolk
`Robert
`
`M.
`West
`Center,
`and
`7/22/2011
`CEC 11-
`in Index
`
`14
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`COUNTY
`CLERK
`0 9/14
`/ 2018
`12
`: 57
`PM
`LED
`SUF FOLK
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`"JOHN
`90 Auborn
`
`Shirley,
`
`DOE and MARY ROE"
`Avenue
`NY 11967
`
`Mteded
`to name
`have
`some
`interest
`premises
`described
`
`parties
`all other
`lien
`or
`in
`in the complaint.
`
`who may
`the
`upon
`
`15
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`CLERICO9/14/2018
`: 57
`FILED
`SUFFOLK
`COÜÑTV
`:
`12
`PN]
`NYSCEF DOC. NO. 26
`NO.
`1
`NYSCEF
`DOC.
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`SCHEDULE
`
`"B"
`
`16
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`FILED
`SUFFOLK
`COUNTY
`CLERK
`0 9/14
`/2018
`12
`: 57
`:
`PM1
`NYSCEF DOC. NO. 26
`DOC.
`NO.
`1
`NYSCEF
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`SCHEDULE
`
`"B"
`
`DEFENDANT
`
`CAPACITY
`
`NEW YORK STATE
`DEPARTMENT
`AND FINANACE
`TAXATION
`Civil
`Enforcement
`Region
`5B
`W A Harriman
`Campus
`NY 12227
`Albany,
`
`OF
`
`MORTGAGE
`
`FEDERALNATIONAL
`ASSOCIATION
`3900 Wisconsin
`
`Washington,
`
`Ave. NW
`DC 20016
`
`Lienor
`
`by
`
`Subdidinate
`Possible
`of State
`virtue
`| Tax Warrant
`in Suffolk
`for
`$20,056.86
`County
`Robert
`! against
`M.
`231
`Sequams
`Lane
`Kane,
`Islip, NY 11795,
`West
`dated
`1/3/2012
`Center,
`recorded
`on
`and
`Warrant
`ID No.
`1/9/2012,
`
`E-
`
`035004769-W001-2;
`Possible
`subordinate
`of a State
`virtue
`by
`Tax Warrant
`in Suffolk
`in the
`amount
`County
`of
`dated
`Robert
`$133,540.43
`against
`Jr.
`Kane,
`Warrant
`ID No. E043574607W0014
`
`lienor
`
`4/4/2018,
`
`interested
`Possible
`of
`mortgage
`record
`in the second
`Cause
`
`party
`clouding
`of Action.
`
`by
`title
`
`of
`virtue
`as referenced
`
`a
`
`17
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`SUFFOLK
`COUNTY
`CLERK
`09/14/2018
`12:57
`[FILED:
`PNQ
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`SCHEDULE
`
`"C"
`
`18
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`SUFFOLK-
`O 9 /14
`COUNTY
`CLERK
`/ 2018
`12
`: 57
`PM
`IFILED
`;
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`.
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`RECEIVED
`NYSCEF:
`09/14/2018
`
`LoanNo.
`
`AFFIDAVIT
`
`OF LOST NOTE
`
`I,
`
`, being
`
`duly
`
`sworn,
`
`do hereby
`
`state under
`
`oath that:
`
`1.
`
`I, as a represetstivc
`
`of
`
`the Lender,
`
`am authorized
`
`to make
`
`this Affidavit
`
`on its behalf.
`
`2.
`
`The
`
`Lender
`
`is the owner
`
`ofthe
`
`following
`
`described
`
`Note:
`
`Date:
`
`Loan Number:
`
`Borrower(s):
`
`Original
`
`Payee:
`
`Original
`
`Amount:
`
`Rate of
`
`Interest:
`
`Address
`
`ofMortgaged
`
`Property:
`
`October
`
`11, 2002
`
`1000292373
`
`Florence
`Robert
`Penelope
`
`L. Kane
`Kane
`Kane
`
`Guaranty
`
`Residential
`
`Lending,
`
`Inc.
`
`$360,000.00
`
`6.750%
`
`Avenue
`90 Auborn
`Shirley, NY 11967
`
`The
`
`Leader
`
`and the
`
`Lender
`
`has not
`
`3.
`
`assigned,
`
`is the
`lawful
`or hypothecated
`
`of
`owner
`the Note.
`
`the Note,
`
`canceled,
`
`altered,
`
`4.
`
`The Leader
`
`has made
`
`a good
`
`faith
`
`effort
`
`in accordance
`
`with
`
`its procedures.
`
`5.
`
`The Note
`
`following
`
`not
`was
`actions:
`
`located
`
`after
`
`a therough
`
`and
`
`diligent
`
`search
`
`which
`
`consisted
`
`of
`
`the
`
`lender
`Ordered
`If
`owned:
`if held with
`a custodian:
`B) Contacted
`custodian.
`did
`not
`If
`the custodian
`C)
`and or prior
`custodians
`D) Reviewed
`all
`if available,
`file(s)
`servicing
`or the prior
`custodian
`servicer.
`any
`E) Reviewed
`Process Management
`previously.
`If
`notified
`it was,
`Verified
`a Lost Note
`Affidavit
`
`A)
`
`F)
`
`all physical
`
`files
`
`receive
`servicer.
`
`the file,
`
`from the Vault
`
`and/or
`
`contact
`
`Post Closing
`
`reviewed
`
`and confirmed
`
`with
`
`other
`
`possible
`
`if
`
`the
`
`original
`
`note
`
`cannot
`
`be located
`
`by
`
`to see if
`sent out
`note was
`the original
`to any attorney
`to retrieve
`Processor
`the Foreclosure
`original
`note.
`was not previously
`executed.
`
`19
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`PM
`SUFFOLK
`COUNTY
`CLERK
`O 9/14
`12
`: 57
`/ 2018
`[FILED
`:
`NYSCEF DOC. NO. 26
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`NYSCEF:
`RECEIVED
`09/14/2018
`
`6.
`
`This Affidavit
`Federal
`Deposit
`merger
`of Guaranty
`
`is intended
`Insurance
`Residential
`
`to be relied
`Corporation
`
`on by Compass
`as Receiver
`Inc.
`
`Lending,
`
`as successor
`Bank,
`Bank
`of Guaranty
`
`in interest
`successor
`
`to the
`by
`
`EXECUTED
`ON BEHALF
`
`l
`day of
`this
`OF THE LENDE
`
`BY.
`
`2018
`
`""
`
`Bet
`
`any White
`
`Sworn
`
`to before
`
`ine this
`
`2-)
`
`day of
`
`) AQ -
`
`2017.
`
`t
`
`ý Public.
`
`JILLIAN
`
`R TCHIE
`
`on
`o nty
`G
`Expires
`My Commission
`2023
`February20,
`
`20
`
`of
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`COUNTY
`CLERK
`09/14/2018
`12:57
`[FILED
`SOFFOLK
`PE
`NYSCEF DOC. NO. 26
`NY SCE F DOC , NO.
`1
`
`- -
`
`INDEX NO. 617923/2018
`INDEX
`NO.
`617 9 2 3 / 2 0 1 8
`RECEIVED NYSCEF: 10/17/2018
`RECE IVE D NY SCE F :
`0 9 / 1 4 / 2,0 18
`
`Wan No:
`Barrowen rLORENCÈ L, KA
`
`October 11, 2003
`
`NOTE
`
`.
`
`SHIRLEY
`lcM
`90 AUBORN AVBNUB
`SHIRLEY, NBW YORK 11967
`1ReprrAeme
`
`·De tD: 453
`
`m 10
`
`2900018288¼
`
`NEW YORK
`(mm6
`
`f. BORRGWlm's PROM1SETO PAY
`in retum for a loan thed ! havei6coived, 1prontingto payU.S. $ 360,000.00(this anteunt is called 'Princip ),
`plus interest, to the order of fhe IAMer. The LeMer is (3UARANTY RESIDENTEAL LEND1N4 1NC..
`I will
`make all.payments mitdarthis Note in the form of cash,Geck er money order.
`1 understand that the Londer ing transfer this Note. The JAnder or anyonawho takesthis Noteby transfer
`and who is entfiled to receive paymentsunder this Note 19outledthe SNo16Holder?
`L INTEREST
`the M1 atnouttt of Principal hasheen pa[d. I wul pay interest
`Interestwill bechargedon unpaid principahmt!]
`àt a yearly mte of 6.75I1
`The imerest rate required by tNs Sectiott 2is the reta I will pay bmh Baroreand nner any deftigh described
`fa Section 6(B) of thts Note.
`3. PAVMENTS
`(A) Time und Place or Payments
`I whil pay principal ag interest by making a payment everyatanth
`gwD1mara my monthly payment on the (Ir$1day of eachmonth bepnninji an December1, M02. 1wl)I make
`I have paid all of the principal and intelest andany other chargesdescdbedbelow
`these payatentseverymonth latil
`that 1may owe under this Note, Each monthly paymentw111be applted as of its seedtied Guodate and wlM be
`appWedto·interest befote PrincipeL If, onNovembeH, 2tB2, 1still owe antounts ander thEsNote, I will pay thosa
`amounts in fn11on that deto, which is cauedthe "Mtdi1rity Date?
`1 wnl make my monthly payinents at 1300 S. MOPAC EXPRESSWAY, AOSTIN, TEXAS 78746or ut a
`different placé if required by th& Note Holder.
`
`HF NOTE
`
`NEW YORK FD(ED RATE NGI15.eaøresf-annimumeanadwesimourotumamumr
`
`FennSE23U t
`(PageTof 4n¤ges)
`
`INIT1ALB
`
`2 1 o f
`
`151
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`PM
`12:57
`FILED:
`SUFFOLK
`COUNTY
`CLERK
`0911472018
`NYSCEF DOC. NO. 26
`NY SCE F DOC . NO
`&
`
`INDEX NO. 617923/2018
`INDEX
`617 92 3 / 2 0 18
`NO.
`RECEIVED NYSCEF: 10/17/2018
`0 9 / 1 4 / 2 0 18
`RECE IVED
`NY SCEF :
`
`1..osa
`
`o
`
`Data lDr 453
`
`(B) Antonut of Monthly Payments
`My monthly paymentwilt be in the amount of U.S. $ 2ß34.9&
`4 BOItROWER'S RIGIIT Tb PREPAY
`1>havethe right to tnske paymemsof Principal at uny time befom they me dw, A paymemof Principal only
`is known as a "Prepaymem? When I make a Pm ayment,I will
`teElthe Note Holder in writing that l suttdoingso.
`I amy not designatea paymentas n Prepayment f ] hnvenot madeat) the motnhty psyrnentsane under the Note.
`I may mako a in)1Propsyrnentor partial Pre aymentawnhout paying a PrepayrAemcharge, %cNote Ho)Ger
`wilt usemy Prepaymentsto redtice the amount o Principal that I owe under this No1c, However,the Note Hohler
`may apply my Prepaygient to the accrued ahGuppaid interest on the Ficps mont Itmount before applying my
`Pre ayment to reduce the PrinoIpul an1ountof the Note,
`If 1 make a partial Propsyment,there will he no changes
`in t e ttup date or in the umount of my monthly paymemunic!tsthe Note Holder agreesin writing to thosechanges.
`S. IAAN CHARGES
`if a law, which app)fes to thls loan and which sets tttarimum loan charges,is tinally iøerpreted so 11tatthe
`hterest or other loan chargesellected or to be collectedin connection with this loan exceedthe permitted limits,
`1ham ) attystch Ioan cliarge'shall be reditcedby the amount necessaryto reducethe chargeto Gicpermhted1hn10
`tray sums olready colected frora nie Wh[chexceat[edpermitted limits will be reâmded to me. The Note
`and
`Holder may dinose to make this refen:1 by reducing the Principal I owa under 11 Note or thy making a direct
`]f a toftmd redilcesPrincipal, the reductioit wJll be treated asa pardal Prepayment
`payment 10 ine.
`d. BORROWER'S FAILURE TO PAY AS REQUIRED
`(A) Late Charge for Overdue Payntents
`If·the Note I·loIder has not receivedthe full amount of any momhly paymentby the end of 15 calendardays
`is due, I will pay a late chargeto the Note Holder. The amount of the chargewin be 100 % of
`ailerthe date It
`my overd.nepayment of principn1and interest,
`I will pay this tate chargepromptly but only once on each late
`payment.
`(B) Default
`• If I do not pay the full amount of ea011monthly pnymen.ton the date it is due, 1 w1Ube 3rtdefault
`(C) Notlee arperault
`the Note Holder may settdme a written notice telling me that if I do not pay the overdue
`If I atn Enderalt,
`amount by a certain date, the Note Holder may tequire me to pay immahtaly the roll amount of Principal which
`hasnot been paid and all the interest that 1owe on that amotmL That date must be at least 30 daysafter the date
`on which the natim is matted to me dr delivered by other mentis.
`(D) No waiver By Note Holder
`Evgn if, at a time when I am in default, the Note Holder does not
`uire me to pay immediately in fult q
`describudabove, the Note Holder will still Itevethe right to do so if
`I arn
`default at a later time,
`(B) Payracut of Nbts HoldesasCosts antl Expases
`H the Note Holder hasrequired me 10pay immediately in M1 as describedabove,the Note Holder wIll havo
`by applicablelaw. Those expensesinclude, for example,--=
`the Tight to be pald back by me for aU of its costsand expensesin enforcing this Note to the extent dot prottbited
`attorneyir reas.
`
`NEW YOFtK FfXED RATE NOTE-6NgleFarr¼-Vark ftne!FrochneMaot}NFORMMrmUMENT
`
`Forci4233 t|GS
`(Page2of 4 Pagos)
`
`

`

`FILED: SUFFOLK COUNTY CLERK 10/17/2018 01:28 PM
`09/14(2018¯
`SUFFOLK
`COUNTY
`CLERK
`12:57
`[FILED:
`PNG
`NYSCEF DOC. NO. 26
`-·
`NY SCE F DOC ·.- NO·.
`1 -····
`
`INDEX NO. 617923/2018
`NO.
`INDEX
`617923/2018
`RECEIVED NYSCEF: 10/17/2018
`09/14
`RECE IVED
`NYS CEF:
`/2018
`
`Loan N(n
`
`Data |D: 453
`
`1 01VJNG OF NOTICES
`Unten up licahte law requires u different method, uny notice that must'be given to nle under thB Noto win
`be given by de Nering it or by mailing it by Gratchas mall to me ut the Property Address aboveUr E1n d|fferom
`addressif I give the Note Efolcor a nmico of my differem address.
`Any itotice thm rriust he given to the Note Holder tutdor this Note will be given by delivering ft or by mailing
`itt Semion3(A) shove or ut a different atldressif 1
`it by fbst chissaleil 10the Nate Holder at the addressstatsi
`am given a nailce of that differcui addres,
`8, OBIJGATIONS 01r PERSONS UNDER THIS NOTE
`fbliy and personally abligated to ReepaM of the
`1f more than one person signs this Note, each peIson it
`including the psotafra to pay 1hefull amomit owed. Any personwho.is a gttanmtor,
`promises made in this hole,
`sexelyor endorsct of this N® 5 abo oDIfgatedfo do IItesethings. Any personwho takesover theseobligadops,
`inchiding the obligations of a guaran1or,surety ocendozer of thh Note, is alsaobligated to keepall of the remises
`niade in this Nole. The Noto Holder may onforcc 115rights under thls Note against each personindivl nally or
`agufmt all at us together.. This means1hateny one of us maybe required to pay S of the smounts owed under
`this Note.
`9, WAIVERS
`I arid any other personwilo