Preview
FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018
NYSCEF DOC. . NO. 99 . RECEIVEDINDEX NYSCEF:
NO. 09/06/2022
703763/2018
CEF DOC . NO. 4 RECEIVE D NYSCEF: 03/12/2018
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF QUEENS
U.S. BANK NATIONAL ASSOCIATION AS CERTIFICATE OF MERIT
TRUSTEE FOR MASTR ASSET BACKED
SECURITIES TRUST 2006-WMC3 MORTGAGE
PASS-THROUGH CERTIFICATES SERIES 2006-
WMC3,
Plaintiff, INDEX NO.
vs.
MOHAMMED S. ISLAM A/K/A MOHAMMED
ISLAM; NEW YORK STATE DEPARTMENT OF
TAXATION AND FINANCE; NEW YORK CITY
PARKINO VIOLATIONS BUREAU,
#1" #12,"
".TOITN DOE through "JOHN DOE the
...,, 1.m iwelvc manen being fiediious and unimown to
" '
plaintiff, the persons or parties intended being the
tenants, occupants, persons or corporations, if any,
having or claiming an interest in or lien upon the
premises, described in the complaint,
Defendant(s).
1. I am an attorney duly licensed to practice in the state of New York and am afEliated
with the law firm of RAS BORISKIN, LLC, the attomeys for the above-named
plaintiff.
2. I communicated with JEFFERY FOX, a FORECLOSURE SPECIALIST of plaintiff
or plaintiffs servicer, who informed me that she personally aviewed plaintiffs
documents and records relating to this case lor factual accuracy.
b
3. Based upon my communication with plaintiffs representative, as well as upon my
own inspection of the documents and other diligent inquiry, 1 certify that to the best of
my knowledge, information and belief, them exists a reasonable basis for the
commencement of a mortgage foreclosure action and that plaintiff or itsnominee is
entitled to enfome itsrights under the loan documents in accordance with applicable
law.
IRIIAIAIAINIRAAAll InglAllAAAMIIA|HIIHA IlllAAIMAHAAllA
17-122516 - NiG
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D :
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RECEIVEDINDEX NYSCEF:
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NYSCEF DOC. NO. 4 RECEIVED NY SCE F: 03/12/2018
4. All of the relevant documents, all of which have been reviewed by me, are attached to
this Certificate of Merit.
Dated:
0 2 25
Westbury, New York
BY: - C.-ed
[ ] SARA BORISKIN, ESQ.
[ ] ANTHONY CELLUCCI, ESQ.
[ ] ANNETTE SHACHTER, ESQ.
[g] ALECIA C. DANIEL, ESQ.
17-122516 - NIG
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FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018
NYSCEFILED:DOC. NO. 99ENS C Y CLERK :
RECEIVEDINDEX NO.
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09/06/2022 018
NYSCE F DOC . NO . 4 RECE IVE D NYSCEF: 03 /12 /2 018
ADJUSTABLE RATE NOTE
(LIBOR Six.MonthIndex(As Pubilched Journal)-Rate
In The Wall 8trust Caps)
THIS NOTE CONTAINS PROtfl8IONS AllOWING MR CHANGES IN MY INTERF.8T RATE AND MY
MONTHLY PAYMENT.THIS NOTELIMIT3TNEAMOUNT MY INTERESTRATECANCHANGEATANY ONE
TIME AND THE MAXIMUM RATE I MUST PAY.
APRzz. 28, moos JaMAsca, mum renz
[ Date] [Eity| [ Atate]
106-35 155E5 5Ta832, RNA2oA, NT 11433
[Preparty Address]
1. BORROWER'8 PROM18E TO PAY
in retum for a loan that I have recolved, I promise to pay U.8.
6528, oco.co (lhis amount le caAed
plus Mterest, to the order of Lander. I.snder is
"Prholpal"|, GREFFEtr Montenet CoRPomaffoN, A 2nNr roaK
oDRooRatton.
I wM make all payments under this Note h the ibrm of cash, check or money order.
Note.1.enderorenyonewhetakes
lundumtandthattendermaytransforthis this Notaby transferand whols antitled
Holder."
to ressive paymenta under this Note In caned the "Note
2, INTEREST
inlarest wlHbe charged on unpaid pr•notpaluntA the NH amount of Prinolpal has been paid. I wlA pay Interest ata
yearly rate of
7.470s. The interest rate 1wM pay may change in nooordance with Scotlan 4 of Vils Nets.
by this Section 2 and Section 4 of this Note is the rule I wAl pay both before and after any
The Internet raterequired
default described in Scotton T(B) of this Note.
3. PAVMENTS
(A) Time and Plaon of Payments
I wa pay principal and interest by making a payment every month.
I w1Hmake my monthly payrnents on the
1sz day of each month beginning on
Jun 1, aces.
IWAImaketheme paymentsevery month untNIhave any other chargamdescribed
all efthe prinolpalandinterestand
below that I may owe under thle Note. Each men
payment wA be appAnd as of Its scheduled due date and wN be
appiled to Inlegentbefore Pdncipal. If, on
NAs 1, 2035, I allHowe amounts under this Note, I wM
Date."
pay those amounts In full on that date, which is caAed the "Maturity
I wH1make my monthly paymenta at
150-20 azimsZDE AVE.
JaMarch, nT 11432
or at a dlflarent place If requked by the Note Holder.
(B) Amount Payments
of My ingual Monthly
Each of my blnal monthly payments wE be b the amount of U.S.
83,581.01. Thle amount may change.
Payment Changes
(C) Monthly
Changes In my nionthly payment wMreAeot changes in the unpaid principal of my loan and m thelnterest
rate that
my new Interest rate and the changed amount of my monthly payment In
I must pay. The Note Holder wm determhe
accordancewith saollon 4 of thle Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANERES
(A) ChangeDates
The Interest rate I wA pay may change on the
ist day ofNAT, 2008 and on that day every
Date."
sou monlh thereafter. Each date on whloh my internet rate oculd change la caHed a "Change
(B)The Iridex
"Index"
Beginning with the Aret Change Date, my Interest rate wlH be based on an index. The
is the average of
Interbank oAered raise ibr six monthU.S.
dollar-denominaled
depoeNs in the landon
market ("UBOR"), as pubHshed
In The Wall Mreet JoumaL avalfable as of the1rst business day of the month Immediately
The mostrecentIndexilgure
Index."
precedhg the month h whloh the Ohenge Date conure in called the "Current
la no longer available,
If the index the Note Hokfer wM chcoes based upon
a new index that 1 comparab1
The Note Holder wit give me notloe of this cholom.
hformallon.
(C) Cahnolution of Changes
szz
Butormeach Change Date, the Note Holder wlA calculate my new Interest rate by adding
map
'runsm-PounTus reentage point(e) ( 6.150t ) to the Current Index. The Note
Nolder wM then round the result of this a
on to the neareat one-eighth of one percentage poht
itM25%).subject
to the Amnsstated In sootion 4(D) below, thin rounded amount wM be my new hterest rate unlA the next Change Date.
The NoteMoldarwAthendetenninethe amountof the montNy paymentthatwould
be sutl•olunt1cImpmythe unpaid
principal thall am expealed to owe atthe Change DataIntullen
the Maturity Date at my newinlesestrate
n substantiaAr
equal payments. The residt of this oalouration wm be the new amount of my monthly payment.
(D) 1.lmne on internet
Rate Changes
The Interest rate I am required to pay at theflrst
Change Date win not be greater than
10.470% or less than
1.41ot. or decreased on any single Change Date by more
Thereafter, my interest rate W11never be hereased
than on perceningepoint(s) ( 1.000t )1tom the rate of interant f have
been paybg tir
the preceding 6 13.970%
month(s). My interest rate wE neumrbe greater than nor
leas than 7.67ct.
Init.ia1sz MM
Rungle-
anxisraTA AATEUKrrE-Upone31MoffrHBlDEE(AsPueueMEDINMEwALLeTAEET.IoURNAA.)-elngle
AIMUsTABI.E
penuresee unnonsinsounumerena seasmu
onam om"urnmetsis
a senomous Page 1 of3 RsMcNOTeso7
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NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF:
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NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/12/2018
(E) Effective
Date of Changes
M new Interest rate wil become eNeoAvaon each Change Date. 1wlA pay the amount of my new monthly payment
begin on thallrat monthly paymentdate aRerthe Change Dale untHthe emount of my monthly payrnent changes again.
. (P) oilee of Changes
. The Note Hokler WAldenver or man to me a notice of any changes in my Interest rate and the amount olmy monthly
payment befbre the eNeotivedate of any change. The notles w5 Include Information required by law to be gigan to me
and also the tills and telephone number of a person who wltl answer any questlan t may have regarding the notice,
5. BORROWER's RIGHT TO PREPAY
any time before they are due. A payment of Principal only le known
t have the sight to make payments olPrincipelat
*
ase "Prepayment wdtIng thatIam
When imake a Prepayment, twlK teAthe NoteHolderin Imay not designate
delhoso.
a payment as a Propsyment II I have not made aAthe monthly payments due under this Note.
I may make a fuA Repayment paying a Prepayment charge. The Note Holder wM
or parlial Prepayments without
this Note. However, the Note Holder may apply
use my Prepayments to reduce the amount of Principal that Ioweunder
amount before applying my Prepayment to
and unpeM Inlemat on ghe Rapayment
my Prepayment to the sequed
no changes In the due datemof
reduce the Principal amount of thle Note. If I make a partial Prepayment, there willbe
to those changes. My partial Prepayment may reduce
my monthly paymenta unlese the Note Holder agrees In wrting
the amountof my monthlypayments Dete feriowing my partial Prepayment.
after the ilret Change However, any
due to my partial Prepayment may be oilset by an Internet rule Increase.
reduction
g, 1.OANCNARGES
If a Inw, which appAca to this loan and whloh eats maximum loan charges, la tinaAy Interpreted so that the Intarest
with this loan exceed the permitted Emits, then: (a) any
changes collected or to be coAested In connecton
or otherloan
such loan charge shan be reduced by the amount necessary to reduce the charge to the permitted Amitl and (b) any
sums streedy cogected from me that exceeded permitted Ilmite wM be refunded to me. The Note Holder may choose
under this Note or by making a direct payment to me. If a refund
to make this refund by reducing the Principal Ione
reduces Pdncipal, the reduction wig be treated as a partial Prepayment.
7. BORROWER'S FAILIJRE TO PAY AB REQUIRED
jA) Late Charges
for OverduePayments
payment by the and of
n the Note Holder has not recalved the tull amount of eny month 15 onionder
2.o00t
e amount of the charge wil be
days aRorthe date RIs dus, 1wn pay a late charge to the Note Holder.
principel andinternet. Iwin pay INs late charge promptly but only once on each late payment.
of my overdue paymentof
(B) Default
It I do not pay the full amount of each montNy payment on the date It In due, I wig be In default.
·
(C) Notica of Delault
If I am In defauR, the Note Holder may send me a written notles toAing me that If I do not pay the overdue emount
by a certain date, the Nole Holder may require me to pay Immediately thelug amount of Principal that has not been paid
and an the bderest1hat Iowe on that amount. That data must be at laset 80 daya after the date on which the notlee In
·
malled to me or delivered by other means.
(D) No Weber By Note Holder
the Note Holder dose not require me to pay Immediately in ful es demoribed
Even II, et a time when I am in defaut,
above, the Note Holder wlAstBIhave the right to do so if I am In default at a later time.
(AQ Payment of Note Holder's
coateand Exponese
If the Note HoMar hen required me to pay immediately In fut se decor1bedabove, the Note Holder wlA have the dght
to be paid book by me for an of Its costs and expenses In enfoecing this Note to the extentnot
prohibited by appNombie
allorneys'
law. Those exponese Include, for example, reasonable fees.
8. GIVING OF NOTICES
thisse a diflurent method, ony notice that must be glumnto me under this Note wMbe given
applicable lawrequires
by denverlhg It or by maMng R by first class mall to me at the Property Addrese above or at a dHierent addrese If I give
the Note HoMer a notice of my dAfarent address.
Unless the Note HokIerrequires a different method, any notice thatmust begiven to the Note HoMer under this Note
wR be glumnby maMngitby Aratcleas mall to the Note HoMer at the address stated InSection 3(A) above orat a dlNerent
address If I am ghan a nodge of that dfNorent address.
IL 081JGATIONS OF PERSON8 UNDER THIS NOTE
If Incre than one person signs thle Note, each person In fully and personmAyobligated to keep all of the promisse
Any pamon who Ina guarantor, surely or endormer
mode Inthis Note, Including the promise to pay theIbn amountowed.
of this Note le also obAgeted to do these things. Any person who taken over these obNgations, including the obigations
of a guarantor, surely or endorser of thle Note, In also obAgated to keep an of the pmmisse made Inthis Note. The Note
Holder may endomeIts rights under this Note against each person IndMduany or against anof us together. This means
that any one of us may be required to pay all of the amounts owed under this Note.
10. WA1VF.RB
Iand any other person who has ob11gationsunder thle Note waive the rights of Presenlinent and Notee of DIshonor"
Dishonor.
"Presentment"
meane the right to require the Nota Hokfer to demand payment of amounts due. "Notice of
means the right to require the Note Holder to give notice to other persons that amounts due have not been pald.
11. UNlmRM 8EDURED NOTE
in eddRIon to the proteotlans given
This Nole is a uniforrn Instrument WIth IImited varistlons In some jurisdictions.
to the Nois HoMer under this Note, a Mortgage, Deed of Trust, or 8ecurity Dead (the "Geourity Instrument"), dated the
same date as this Note, protects the Note Holder Irom poselble losses that might result if I do not keep the pmmIman
that I make Inthis Note. That Security Instrument desorlbes how and under what condillons I may be required to make
Immediate payment In lull of an amounts I owe under thla Note. Some of those conditione read as fogowm:
zas tiates kW
ISULTISWrEAbJUaTABLE PUeLleMEDINTHE
RATENoTE-Ueonest-AAoNTHINDIDI(As eTREET.1ouRNAA.)-eleggsPsally.
WAA.I.
Fenelusessunmens1sseumentFunnasse Wu
e tonesonsong=Desumania,Inc. Page 2 of 8 Fog30NOTcoer
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FILED : UEENS COUNTY CLERK :
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Transfer or e Beneflof el Interest
of the Property As used In thb Becdon t B, ints
In Borrower.
Property" In the Property, Including, but not flmlted to, those benetiolal
means any legal or benefiolel hterest
intereste transferred In a bond for deed, contractior sales contract or secrow agreement, the
deed, Instalment
, Intent of which le the transfer of title by Borrower at a future date to a purchaser.
Property or any Interest b the Property is sold or transferred (or IBorrower
11al or any partofthe In not a
natural person and a benefic1ellnterestin Borrower le sold or transferred) without Lander's priorwrittan consent,
of at eume emoured by this 8ocurity Instrurnent. However, this
I.ander may reqube immediate payment in ful
Law. Lander also shall not
option shall not be exurolsed by Lender If such exercise In prohibited by Applicable
exeroleethle optionN:(a)BorrowercausestobesubrnittedtoLanderInformationrequiredbyLandertoevaluate
the htendedtransferee as if a new loan were behg
made to the treneferee; and
(b) I.ander reasonably
determines that Lander's securRy wlA not be Impelred by the loan assumption and that the risk of a breech of
any covenant or agreement in this Security Instrument Is acceptable to Lander.
Tothe extent permitted by Appica ble Law, Lander may charge a reasonable tee as a condition to Landers
consent to the loan seaumption. Londer abo may require the transferee to eign an assumption agreement that
in acceptable to Lander and that obilgates the transhurse to keep al the promises and agreements made in the
under the Note and this Security
Borrower will con1Inue to be obligated
Note and b thle Security instrument.
instrument unlese Londer releasee Borrower in writing,
payment In full, Lander shell give Borrower notice of
If Lander exercises the option to require immedists
acceleration. The notice shaB provide a period of not tons than 30 days tom
the date the notice le gh an b
Section15
socordancewith within which Borrower must pay aA ouma e"cured
by this Security Instrument. N
any remedies permitted
of thlu period, LondormayIrwoke
Borrower faAsto paythese sums prioriotheexpiration
by this Securky instrurnent without further notice cr demand on Borrower.
WITNESS THE HAND(8) AND SEA&8) OF THE UNDERSIGNED.
CUwt tars9P3C (seal)
no e. IsLme
[81gn OriginalOnly]
nuLTieTATEANueTABLERATENoTE4.IBoRelN-McNM INDEN(AePuBuelf.D INTHEWALteTREETJoURNAI.)-shigleFaully-
Fansinmanuegimmbee""""us permissusuns
oseseasonongnacceummes,Inc. Pageaof3 F3sucNDTonor
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NYSCEF DOC.
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MS COUN'fY H - RECEIVEDINDEX NYSCEF:
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NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/12/2018
ALLONGE TO THE PROMISSORY NOTE
.
Loam 8:
Date: April28, 2006
Barrower(s)r Mohammed S. Islaus
Property: 10di-38 156*IItreet
Jatusies,New York 11433
Loan Amount: 5528,009.00
Without Recourse, Pay to the Order
ot
widGMsdIIAAP
ItsSweeerors r Amigma As Their Interest
May Appear.
From: Grifght ge orporation
i A. sser /
resident
Poytothe of,'
/
withcprt ed
bne
Ane mium,Asst.805.
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FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 99 RECEIVEDINDEX NO.
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09/06/2022
FILED: QUEENS COUNTY CLERK 03/12/2018 05:02 PhÇ
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/ /2018
RydBD85DN'
ÒtfINANCE
OFFICE0F THE CITY RÈGIBTER
wanonnie swea.dociimes.
40060500020000200[B8986
gÇQR DING AND ENDORSE[WENT COVER PA GE . .PAG 1 0F 18
2006052000200003 Documenidatec04-28-2006 Date:0542006
Properstleñ
Document ID:
Document Æet MORTOAGE
17
Docanaent Pune Count:
PRBSENTER: RETURN TO:
ROUNJ)Htti Trl1E AGENCY, INC. OKiFFINMOltf0AGE CORPORA'110N
315 WES1CHESTER AVE. I50-20HJL(.SIDE AVENUR
PORT CRif$'lER, NY 10573 JAMAICA, NY 11432
914-939-890D
DAN@ROUNDHILLTr112.COM
I
PROPERÒŽ DATA
Borough Blocle Lot Unit Addre
10123·
QUNINS 21 Emire Loi 106.38 15trITISTRFJiT
Property Type: INHLl.ING ONLY - 3 FAMILY
CRITI- gr Documem.th
CROSS
dr - REFERENCE
Year-
DATA
Real - Page- er MIe:Number
PARTIES
'·
MQRTGAGJ0t/BORROWÈR: ÄiORTCAGEE/LBNDER:
MOHAMMED S. (SLAM ORIFFIN MORTOAOBCORPORATION
374 69TH STRBBT, APARTMENT $H 150-20 HEASJDEAVENUS
WOODSIDE, NY I1377 JAMAICA.NY 11432
| FEES AND TAXES
Mortgage IRooeeding Fee:5 122.00
1 .__..
ntname-AmoJmri.. . . _ls 52g,r.00,00 'ArgimivhFe s 0.00
Turi c Martemes Amount: S 328,0002) _ blVCReal Property linnafer11:x
PilingPee:
lÉxes sion: S 940
TAXES: Coogy (Bas|ch $ J..649.00 NYS Real P!state ltansfer
Tax:
Chy(AddillanÈ: S 5(pl010 5 0.00
RDED OR FILED IN TI¬E OFFICE
AS 4_,_____.__ 2202;._.... THE CITY·REQiSTER QF THE
MTA· 1,584
3 _ .. CITY QF NEW ŽORtt .
NYCTA S QM Reculed/Filed 0Hl3-200613;58
. Addletonpl
MRT: s, .. 0.00 __ cliy.ItegisterPihNo.gCRPN): !
TOTAL: 2 11484.t10 2006000309477
. City ReghterO{²ctat Signamre
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FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF:
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NYSCE F DOC. NO. 4 RECEIVED NYSCEF: 03/ /2018
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8 of 44
FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018
NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF:
NO. 09/06/2022
703763/2018
ILED: UEENS COUNTY CLERK :
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/ ~/2018
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FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. . NO. 99 . RECEIVEDINDEX NYSCEF: NO. 09/06/2022 703763/2018 CEF DOC . NO. 4 RECEIVE D NYSCEF: 03/12/2018 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF QUEENS U.S. BANK NATIONAL ASSOCIATION AS CERTIFICATE OF MERIT TRUSTEE FOR MASTR ASSET BACKED SECURITIES TRUST 2006-WMC3 MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2006- WMC3, Plaintiff, INDEX NO. vs. MOHAMMED S. ISLAM A/K/A MOHAMMED ISLAM; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; NEW YORK CITY PARKINO VIOLATIONS BUREAU, #1" #12," ".TOITN DOE through "JOHN DOE the ...,, 1.m iwelvc manen being fiediious and unimown to " ' plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, if any, having or claiming an interest in or lien upon the premises, described in the complaint, Defendant(s). 1. I am an attorney duly licensed to practice in the state of New York and am afEliated with the law firm of RAS BORISKIN, LLC, the attomeys for the above-named plaintiff. 2. I communicated with JEFFERY FOX, a FORECLOSURE SPECIALIST of plaintiff or plaintiffs servicer, who informed me that she personally aviewed plaintiffs documents and records relating to this case lor factual accuracy. b 3. Based upon my communication with plaintiffs representative, as well as upon my own inspection of the documents and other diligent inquiry, 1 certify that to the best of my knowledge, information and belief, them exists a reasonable basis for the commencement of a mortgage foreclosure action and that plaintiff or itsnominee is entitled to enfome itsrights under the loan documents in accordance with applicable law. IRIIAIAIAINIRAAAll InglAllAAAMIIA|HIIHA IlllAAIMAHAAllA 17-122516 - NiG 1 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. D : NO. 99ENS C LERK : RECEIVEDINDEX NYSCEF: NO. 09/06/2022 703763/2018 NYSCEF DOC. NO. 4 RECEIVED NY SCE F: 03/12/2018 4. All of the relevant documents, all of which have been reviewed by me, are attached to this Certificate of Merit. Dated: 0 2 25 Westbury, New York BY: - C.-ed [ ] SARA BORISKIN, ESQ. [ ] ANTHONY CELLUCCI, ESQ. [ ] ANNETTE SHACHTER, ESQ. [g] ALECIA C. DANIEL, ESQ. 17-122516 - NIG 2 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEFILED:DOC. NO. 99ENS C Y CLERK : RECEIVEDINDEX NO. NYSCEF: 7 037 63 /2 09/06/2022 018 NYSCE F DOC . NO . 4 RECE IVE D NYSCEF: 03 /12 /2 018 ADJUSTABLE RATE NOTE (LIBOR Six.MonthIndex(As Pubilched Journal)-Rate In The Wall 8trust Caps) THIS NOTE CONTAINS PROtfl8IONS AllOWING MR CHANGES IN MY INTERF.8T RATE AND MY MONTHLY PAYMENT.THIS NOTELIMIT3TNEAMOUNT MY INTERESTRATECANCHANGEATANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. APRzz. 28, moos JaMAsca, mum renz [ Date] [Eity| [ Atate] 106-35 155E5 5Ta832, RNA2oA, NT 11433 [Preparty Address] 1. BORROWER'8 PROM18E TO PAY in retum for a loan that I have recolved, I promise to pay U.8. 6528, oco.co (lhis amount le caAed plus Mterest, to the order of Lander. I.snder is "Prholpal"|, GREFFEtr Montenet CoRPomaffoN, A 2nNr roaK oDRooRatton. I wM make all payments under this Note h the ibrm of cash, check or money order. Note.1.enderorenyonewhetakes lundumtandthattendermaytransforthis this Notaby transferand whols antitled Holder." to ressive paymenta under this Note In caned the "Note 2, INTEREST inlarest wlHbe charged on unpaid pr•notpaluntA the NH amount of Prinolpal has been paid. I wlA pay Interest ata yearly rate of 7.470s. The interest rate 1wM pay may change in nooordance with Scotlan 4 of Vils Nets. by this Section 2 and Section 4 of this Note is the rule I wAl pay both before and after any The Internet raterequired default described in Scotton T(B) of this Note. 3. PAVMENTS (A) Time and Plaon of Payments I wa pay principal and interest by making a payment every month. I w1Hmake my monthly payrnents on the 1sz day of each month beginning on Jun 1, aces. IWAImaketheme paymentsevery month untNIhave any other chargamdescribed all efthe prinolpalandinterestand below that I may owe under thle Note. Each men payment wA be appAnd as of Its scheduled due date and wN be appiled to Inlegentbefore Pdncipal. If, on NAs 1, 2035, I allHowe amounts under this Note, I wM Date." pay those amounts In full on that date, which is caAed the "Maturity I wH1make my monthly paymenta at 150-20 azimsZDE AVE. JaMarch, nT 11432 or at a dlflarent place If requked by the Note Holder. (B) Amount Payments of My ingual Monthly Each of my blnal monthly payments wE be b the amount of U.S. 83,581.01. Thle amount may change. Payment Changes (C) Monthly Changes In my nionthly payment wMreAeot changes in the unpaid principal of my loan and m thelnterest rate that my new Interest rate and the changed amount of my monthly payment In I must pay. The Note Holder wm determhe accordancewith saollon 4 of thle Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANERES (A) ChangeDates The Interest rate I wA pay may change on the ist day ofNAT, 2008 and on that day every Date." sou monlh thereafter. Each date on whloh my internet rate oculd change la caHed a "Change (B)The Iridex "Index" Beginning with the Aret Change Date, my Interest rate wlH be based on an index. The is the average of Interbank oAered raise ibr six monthU.S. dollar-denominaled depoeNs in the landon market ("UBOR"), as pubHshed In The Wall Mreet JoumaL avalfable as of the1rst business day of the month Immediately The mostrecentIndexilgure Index." precedhg the month h whloh the Ohenge Date conure in called the "Current la no longer available, If the index the Note Hokfer wM chcoes based upon a new index that 1 comparab1 The Note Holder wit give me notloe of this cholom. hformallon. (C) Cahnolution of Changes szz Butormeach Change Date, the Note Holder wlA calculate my new Interest rate by adding map 'runsm-PounTus reentage point(e) ( 6.150t ) to the Current Index. The Note Nolder wM then round the result of this a on to the neareat one-eighth of one percentage poht itM25%).subject to the Amnsstated In sootion 4(D) below, thin rounded amount wM be my new hterest rate unlA the next Change Date. The NoteMoldarwAthendetenninethe amountof the montNy paymentthatwould be sutl•olunt1cImpmythe unpaid principal thall am expealed to owe atthe Change DataIntullen the Maturity Date at my newinlesestrate n substantiaAr equal payments. The residt of this oalouration wm be the new amount of my monthly payment. (D) 1.lmne on internet Rate Changes The Interest rate I am required to pay at theflrst Change Date win not be greater than 10.470% or less than 1.41ot. or decreased on any single Change Date by more Thereafter, my interest rate W11never be hereased than on perceningepoint(s) ( 1.000t )1tom the rate of interant f have been paybg tir the preceding 6 13.970% month(s). My interest rate wE neumrbe greater than nor leas than 7.67ct. Init.ia1sz MM Rungle- anxisraTA AATEUKrrE-Upone31MoffrHBlDEE(AsPueueMEDINMEwALLeTAEET.IoURNAA.)-elngle AIMUsTABI.E penuresee unnonsinsounumerena seasmu onam om"urnmetsis a senomous Page 1 of3 RsMcNOTeso7 3 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF: NO. 09/06/2022 703763 / 2018 ILED : ENS COUNTY CLERK : NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/12/2018 (E) Effective Date of Changes M new Interest rate wil become eNeoAvaon each Change Date. 1wlA pay the amount of my new monthly payment begin on thallrat monthly paymentdate aRerthe Change Dale untHthe emount of my monthly payrnent changes again. . (P) oilee of Changes . The Note Hokler WAldenver or man to me a notice of any changes in my Interest rate and the amount olmy monthly payment befbre the eNeotivedate of any change. The notles w5 Include Information required by law to be gigan to me and also the tills and telephone number of a person who wltl answer any questlan t may have regarding the notice, 5. BORROWER's RIGHT TO PREPAY any time before they are due. A payment of Principal only le known t have the sight to make payments olPrincipelat * ase "Prepayment wdtIng thatIam When imake a Prepayment, twlK teAthe NoteHolderin Imay not designate delhoso. a payment as a Propsyment II I have not made aAthe monthly payments due under this Note. I may make a fuA Repayment paying a Prepayment charge. The Note Holder wM or parlial Prepayments without this Note. However, the Note Holder may apply use my Prepayments to reduce the amount of Principal that Ioweunder amount before applying my Prepayment to and unpeM Inlemat on ghe Rapayment my Prepayment to the sequed no changes In the due datemof reduce the Principal amount of thle Note. If I make a partial Prepayment, there willbe to those changes. My partial Prepayment may reduce my monthly paymenta unlese the Note Holder agrees In wrting the amountof my monthlypayments Dete feriowing my partial Prepayment. after the ilret Change However, any due to my partial Prepayment may be oilset by an Internet rule Increase. reduction g, 1.OANCNARGES If a Inw, which appAca to this loan and whloh eats maximum loan charges, la tinaAy Interpreted so that the Intarest with this loan exceed the permitted Emits, then: (a) any changes collected or to be coAested In connecton or otherloan such loan charge shan be reduced by the amount necessary to reduce the charge to the permitted Amitl and (b) any sums streedy cogected from me that exceeded permitted Ilmite wM be refunded to me. The Note Holder may choose under this Note or by making a direct payment to me. If a refund to make this refund by reducing the Principal Ione reduces Pdncipal, the reduction wig be treated as a partial Prepayment. 7. BORROWER'S FAILIJRE TO PAY AB REQUIRED jA) Late Charges for OverduePayments payment by the and of n the Note Holder has not recalved the tull amount of eny month 15 onionder 2.o00t e amount of the charge wil be days aRorthe date RIs dus, 1wn pay a late charge to the Note Holder. principel andinternet. Iwin pay INs late charge promptly but only once on each late payment. of my overdue paymentof (B) Default It I do not pay the full amount of each montNy payment on the date It In due, I wig be In default. · (C) Notica of Delault If I am In defauR, the Note Holder may send me a written notles toAing me that If I do not pay the overdue emount by a certain date, the Nole Holder may require me to pay Immediately thelug amount of Principal that has not been paid and an the bderest1hat Iowe on that amount. That data must be at laset 80 daya after the date on which the notlee In · malled to me or delivered by other means. (D) No Weber By Note Holder the Note Holder dose not require me to pay Immediately in ful es demoribed Even II, et a time when I am in defaut, above, the Note Holder wlAstBIhave the right to do so if I am In default at a later time. (AQ Payment of Note Holder's coateand Exponese If the Note HoMar hen required me to pay immediately In fut se decor1bedabove, the Note Holder wlA have the dght to be paid book by me for an of Its costs and expenses In enfoecing this Note to the extentnot prohibited by appNombie allorneys' law. Those exponese Include, for example, reasonable fees. 8. GIVING OF NOTICES thisse a diflurent method, ony notice that must be glumnto me under this Note wMbe given applicable lawrequires by denverlhg It or by maMng R by first class mall to me at the Property Addrese above or at a dHierent addrese If I give the Note HoMer a notice of my dAfarent address. Unless the Note HokIerrequires a different method, any notice thatmust begiven to the Note HoMer under this Note wR be glumnby maMngitby Aratcleas mall to the Note HoMer at the address stated InSection 3(A) above orat a dlNerent address If I am ghan a nodge of that dfNorent address. IL 081JGATIONS OF PERSON8 UNDER THIS NOTE If Incre than one person signs thle Note, each person In fully and personmAyobligated to keep all of the promisse Any pamon who Ina guarantor, surely or endormer mode Inthis Note, Including the promise to pay theIbn amountowed. of this Note le also obAgeted to do these things. Any person who taken over these obNgations, including the obigations of a guarantor, surely or endorser of thle Note, In also obAgated to keep an of the pmmisse made Inthis Note. The Note Holder may endomeIts rights under this Note against each person IndMduany or against anof us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WA1VF.RB Iand any other person who has ob11gationsunder thle Note waive the rights of Presenlinent and Notee of DIshonor" Dishonor. "Presentment" meane the right to require the Nota Hokfer to demand payment of amounts due. "Notice of means the right to require the Note Holder to give notice to other persons that amounts due have not been pald. 11. UNlmRM 8EDURED NOTE in eddRIon to the proteotlans given This Nole is a uniforrn Instrument WIth IImited varistlons In some jurisdictions. to the Nois HoMer under this Note, a Mortgage, Deed of Trust, or 8ecurity Dead (the "Geourity Instrument"), dated the same date as this Note, protects the Note Holder Irom poselble losses that might result if I do not keep the pmmIman that I make Inthis Note. That Security Instrument desorlbes how and under what condillons I may be required to make Immediate payment In lull of an amounts I owe under thla Note. Some of those conditione read as fogowm: zas tiates kW ISULTISWrEAbJUaTABLE PUeLleMEDINTHE RATENoTE-Ueonest-AAoNTHINDIDI(As eTREET.1ouRNAA.)-eleggsPsally. WAA.I. Fenelusessunmens1sseumentFunnasse Wu e tonesonsong=Desumania,Inc. Page 2 of 8 Fog30NOTcoer 4 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF: NO. 09/06/2022 7037 63 / 2 D18 FILED : UEENS COUNTY CLERK : NYSCE1? DOC. NO. 4 RECE IVE D NY SCE F: 03/12/2018 Transfer or e Beneflof el Interest of the Property As used In thb Becdon t B, ints In Borrower. Property" In the Property, Including, but not flmlted to, those benetiolal means any legal or benefiolel hterest intereste transferred In a bond for deed, contractior sales contract or secrow agreement, the deed, Instalment , Intent of which le the transfer of title by Borrower at a future date to a purchaser. Property or any Interest b the Property is sold or transferred (or IBorrower 11al or any partofthe In not a natural person and a benefic1ellnterestin Borrower le sold or transferred) without Lander's priorwrittan consent, of at eume emoured by this 8ocurity Instrurnent. However, this I.ander may reqube immediate payment in ful Law. Lander also shall not option shall not be exurolsed by Lender If such exercise In prohibited by Applicable exeroleethle optionN:(a)BorrowercausestobesubrnittedtoLanderInformationrequiredbyLandertoevaluate the htendedtransferee as if a new loan were behg made to the treneferee; and (b) I.ander reasonably determines that Lander's securRy wlA not be Impelred by the loan assumption and that the risk of a breech of any covenant or agreement in this Security Instrument Is acceptable to Lander. Tothe extent permitted by Appica ble Law, Lander may charge a reasonable tee as a condition to Landers consent to the loan seaumption. Londer abo may require the transferee to eign an assumption agreement that in acceptable to Lander and that obilgates the transhurse to keep al the promises and agreements made in the under the Note and this Security Borrower will con1Inue to be obligated Note and b thle Security instrument. instrument unlese Londer releasee Borrower in writing, payment In full, Lander shell give Borrower notice of If Lander exercises the option to require immedists acceleration. The notice shaB provide a period of not tons than 30 days tom the date the notice le gh an b Section15 socordancewith within which Borrower must pay aA ouma e"cured by this Security Instrument. N any remedies permitted of thlu period, LondormayIrwoke Borrower faAsto paythese sums prioriotheexpiration by this Securky instrurnent without further notice cr demand on Borrower. WITNESS THE HAND(8) AND SEA&8) OF THE UNDERSIGNED. CUwt tars9P3C (seal) no e. IsLme [81gn OriginalOnly] nuLTieTATEANueTABLERATENoTE4.IBoRelN-McNM INDEN(AePuBuelf.D INTHEWALteTREETJoURNAI.)-shigleFaully- Fansinmanuegimmbee""""us permissusuns oseseasonongnacceummes,Inc. Pageaof3 F3sucNDTonor 5 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. ILED: NO. 99 MS COUN'fY H - RECEIVEDINDEX NYSCEF: NO. 09/06/2022 7037 63/2018 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/12/2018 ALLONGE TO THE PROMISSORY NOTE . Loam 8: Date: April28, 2006 Barrower(s)r Mohammed S. Islaus Property: 10di-38 156*IItreet Jatusies,New York 11433 Loan Amount: 5528,009.00 Without Recourse, Pay to the Order ot widGMsdIIAAP ItsSweeerors r Amigma As Their Interest May Appear. From: Grifght ge orporation i A. sser / resident Poytothe of,' / withcprt ed bne Ane mium,Asst.805. 6 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 99 RECEIVEDINDEX NO. NYSCEF: 7037 63/2018 09/06/2022 FILED: QUEENS COUNTY CLERK 03/12/2018 05:02 PhÇ NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 03/ /2018 RydBD85DN' ÒtfINANCE OFFICE0F THE CITY RÈGIBTER wanonnie swea.dociimes. 40060500020000200[B8986 gÇQR DING AND ENDORSE[WENT COVER PA GE . .PAG 1 0F 18 2006052000200003 Documenidatec04-28-2006 Date:0542006 Properstleñ Document ID: Document Æet MORTOAGE 17 Docanaent Pune Count: PRBSENTER: RETURN TO: ROUNJ)Htti Trl1E AGENCY, INC. OKiFFINMOltf0AGE CORPORA'110N 315 WES1CHESTER AVE. I50-20HJL(.SIDE AVENUR PORT CRif$'lER, NY 10573 JAMAICA, NY 11432 914-939-890D DAN@ROUNDHILLTr112.COM I PROPERÒŽ DATA Borough Blocle Lot Unit Addre 10123· QUNINS 21 Emire Loi 106.38 15trITISTRFJiT Property Type: INHLl.ING ONLY - 3 FAMILY CRITI- gr Documem.th CROSS dr - REFERENCE Year- DATA Real - Page- er MIe:Number PARTIES '· MQRTGAGJ0t/BORROWÈR: ÄiORTCAGEE/LBNDER: MOHAMMED S. (SLAM ORIFFIN MORTOAOBCORPORATION 374 69TH STRBBT, APARTMENT $H 150-20 HEASJDEAVENUS WOODSIDE, NY I1377 JAMAICA.NY 11432 | FEES AND TAXES Mortgage IRooeeding Fee:5 122.00 1 .__.. ntname-AmoJmri.. . . _ls 52g,r.00,00 'ArgimivhFe s 0.00 Turi c Martemes Amount: S 328,0002) _ blVCReal Property linnafer11:x PilingPee: lÉxes sion: S 940 TAXES: Coogy (Bas|ch $ J..649.00 NYS Real P!state ltansfer Tax: Chy(AddillanÈ: S 5(pl010 5 0.00 RDED OR FILED IN TI¬E OFFICE AS 4_,_____.__ 2202;._.... THE CITY·REQiSTER QF THE MTA· 1,584 3 _ .. CITY QF NEW ŽORtt . NYCTA S QM Reculed/Filed 0Hl3-200613;58 . Addletonpl MRT: s, .. 0.00 __ cliy.ItegisterPihNo.gCRPN): ! TOTAL: 2 11484.t10 2006000309477 . City ReghterO{²ctat Signamre 7 of 44 FILED: QUEENS COUNTY CLERK 09/06/2022 11:21 AM INDEX NO. 703763/2018 NYSCEF DOC. NO. 99 RECEIVEDINDEX NYSCEF: NO. 09/06/2022 703763/2018 NYSCE F DOC. 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