Jpmorgan Chase Bank, National Association v. Hadley Eng, Rachel Eng, New York City Parking Violation Bureau, New York City Transit Adjudication Bureau, New York City Environmental Control Board, John Doe 1-JOHN DOE 12 THE LAST TWELVE NAMES BEING FIC…

“Credit Line* or the “Credit Line Account") issued through JPMorgan Chase Bank, N.A.. In this Agreomi words "Borrower," “you,”

licant" mean each and every person who signs this Agreement, including ers named above. The words “we,” "us,"

"our, “Lender” mean J ye Bank, N.A.. You agree to the following terms and conditions:

Promise to Pay. You promiss to pay JPMorgan Chase Bank, N.A., or order, the total of all credit advances and FINANCE CHARGES, together

with all costs and expenses for which you are responsible under this Agreement or under the “Mortgage” which secures your Credit Line. You

will pay your Credit Line according to the payment terms set forth below. If thereis more than one Borrower, each is fully obligated to keep all

of your promises and obligations contained In this Agreement. This means we can require any Borrower to pay all amounts duo undor this

Agreement, including credit advances made to any Borrower. Each Borrower authorizes any other Borrower, on his or her signature alone, to

noe! the Cradit Line, to request and receive credit advances, and to do all other things necessary to carry out the terms of this Agreement.

‘We can ‘any Borrower from rosponsibility undor this Agreement, and the others will remain responsible.

Term. The term of your Credit Line will begin as of the date of this Agreement ("Opening Date") and will continue until February 21, 2036

("Maturity Date"). All indebtedness under this Agreement, if not already paid pursuant to the payment provisions below, will bo dus end

payable upon maturity. The draw period of your Credit Line will begin on a date, after the Opening Date, when the Agreement Is accepted by us

in the State of Ohio, the expiration of the right to cancel, the perfection of the Mortgage, the receipt of all required certificates of

tion, and the meeting of all of our other conditions will continue as follows: ten (10) years. The Draw Period is also referred to

‘as the “First Payment Stream”. You may obtain credit advances during this period ("Draw Period"). After the Draw Period ends, the repayment

paste wal begin and you will no longerbe able to obtain credit advances. The length of the repayment period is as follows: twenty (20) years.

Period is also referred to ss the " jent Stream". You agree that we may renew or extend the period during which

you may obtain credit advances or make payments. You further agres that we may renew or extend your Credit Line Account.

Minimum Payment. During the Draw Period, your Regular Payment will be based on the Percentage shown below for the Outstanding Balance

of your Credit Line, or 9100.00, or the FINANCE CHARGE acerued for the billing cycle for which the statement is rendered, whichever is

greater. Your payments will be due Monthly. In any event, if your Credit Line balance falls below $100.00, you agree to pay your balance in

full. During the Draw Period, @ change in the ANNUAL PERCENTAGE RATE can cause the balance to be repaid more quickly or more slowly.

‘When rates decrease less interest is due, so more of the payment repays the principal balance. When rates Increase more interest is due, s0

of the payment repays the principal balance,

Renge of Balances = Number of Payments Regular Payment Calculation

All Balances 120 1,000% of your outstanding balance

During the Repayment Period, your minimum monthly payments will be {a) the unpaid principal balance divided by the remaining number of

scheduled payments, lus (b) the amountof france charge socrusd plus ary fees and any amounts pest ‘due. You will make monthly payments

98 noted below dur the Repayment

Range of Balances ==» Number of Payments Amortization Period

All Balances 240 240 payments

‘Your “Minimum Payment” will be the Regular Payment, plus ony amounts past due and all other charges. In addition, we have the right to

require you to pay fees and charges assessed on the Credit Line Account with and in addition to the Minimum Payment. You Pay not

less than the Mi imum Payment on of before the due date indicated on your periodic billing statement. If your credit line balance falls below

$100.00 during the Repayment Period, you agree to pay your balance in full.

How Your Payments Ara Applied. Unless otherwise agreed or required by applicable law, payments and other credits will be applied to

Principal, Interest, fees and other charges in any order. We may apply all payments and credits in accordance with our standard operating

procedures and with the requirements of applicable law. Notwithstanding anything to the contrary in this Agreement. we may apply our

standard to verify thet we have received good funds after we received your payments before releasing the payment

amounts as available credit on your Credit Line Account.

Receipt of Payments. All payments must be made by 2 check, automatic account debit, electronic funds transfer, money order, or other

instrument in U.S, dollars and must be raceived by us at e remittance address shown on your periodic billing statement. Payments received

‘at that address prior to close of business on any business day will be credited to your Credit Line as of the date received. If we receive

payments at other locations, such payments will ‘credited promptly to your Credit Line, but crediting may be delayed for up to five (5) days

after receipt.

Cradit Limit, This Agreement covers a revolving line of credit for the principal amount of One Hundred Fifty-one Thousand & 00/100 Dollers

{$161,000.00}, which will be your "Credit Limit” under this Agreement. During the Draw Period we will honor your request for credit advances

‘subject to the section bolow on Lender's Rights. You may borrow against the Credit Line, repay any portion of the amount borrowed, and

re-borrow up to the amount of the Credit Limit. Your Credit Limitis e maximum principal amount you may have outstanding at any one time.

You agree not to attempt, request, or obtain a credit advance that will make your Credit Line Account balance exceed your Credit Limit, Your

Credit Limit will not be increased should you overdraw your Credit Line Account. Hf you exceed your Credit Limit, you agree to repay

immediately the amount by which your Credit Line Account exceeds your Credit Limit, even if we have not yet billed you. Any credit advances

in excess of your Credit Limit will not be secured by the Mortgage ‘your principal dwelling.

Charges to your Credit Line, We may charge your Credit Line to pay other fees and costs that you are obligated to pay under this Agreement,

the Mortgage or any other document related to your Credit Line. ‘we may charge your Credit Line for funds required for continuing

insurance covers scribed in the paragraph titled “Insurance” below or as described in the Mortgage for this transaction. We may also, at

‘our option, charge your Credit Line to pay any costsor expensesto protect or perfect our seourity Interest in your principal dwelling. These