Preview
16-2022-CA-006738-XXXX-MA Div: CV-C
Filing # 161757972 E-Filed 11/22/2022 03:47:29 PM
IN THE CIRCUIT COURT OF THE FOURTH
JUDICIAL CIRCUIT IN AND FOR DUVAL
COUNTY, FLORIDA
GENERAL JURISDICTION DIVISION
CASE NO.
NATIONSTAR MORTGAGE LLC,
Plaintiff,
VS.
THE UNKNOWN HEIRS,
BENEFICIARIES, DEVISEES,
GRANTEES, ASSIGNEES, LIENORS,
CREDITORS, TRUSTEES AND ALL
OTHERS WHO MAY CLAIM AN
INTEREST IN THE ESTATE OF JAMES
BUCKHOLTS, DECEASED, et. al.,
Defendant(s).
NOTICE OF SUBMITTING FLA.STAT.§ 702.015(4) CERTIFICATION
Plaintiff, by and through its undersigned counsel, hereby submits contemporaneously
with the Complaint in this case the attached Certification of Possession pursuant to
Fla.Stat.§702.015(4).
ROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNERS, PLLC
Attorney for Plaintiff
6409 Congress Ave., Suite 100
Boca Raton, FL 33487
Telephone: 561-241-6901
Facsimile: 561-997-6909
Service Email: flmail@raslg.com
By: _\S\Tracy Starasoler_
Tracy Starasoler, Esquire
Florida Bar No. 0766046
Communication Email: tstarasoler@raslg.com
MAAC
AA AHOON NACA NU
PAGE 1
22-063253
ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 11/23/2022 01:34:30 PM
CERTIFICATION OF POSSESSI PURSUANT TO EL. STAT. §702.015(4)
The undersigned hereby certifies:
1 My name is Joseph Wallace and I am employed as an Original Documents Assistant in
the Originai Document Department of Robertson, Anschutz, Schneid. Crane & Partners.
PLLC, Plaintiff's counsel.
As reflected on the original promissory note, the note at issue and upon which this action
is brought was executed by JAMES BUCKHOLTS on August 20. 2014.
I personally verified possession and location of the original note on August 24 20: 22 at
09:47 AM.
As of the date and time of verification, the original note was located at Robertson.
Anschutz, Schneid, Crane & Partners, PLLC. 6409 Congress Ave.. Suite 100. Boca
Raton, FL 33487.
Correct copies of the original note (and, if applicable, all endorsements. transte
allonges. loan modifications or assignments of the note) are attached hereto. Some
originai allonges and/or indorsements may be aftixed by stamp.
6. I give this statement based upon my own personal knowlecge .
Under penalties of perjury, I declare that I have read the foregoing and that the facts stated
in it are true.
Executed on August 24, 2022
fee
Joseph Wallace
22-063253 - JoW
a a
NOTE
THIS LOAN IS NOT ASSUMABLE WITHOUT THE
NOTICE:
RTME NT OF VETER ANS AFFAI RS OR
APPROVAL OF THE DEPA
ITS AUTHORIZED AGENT .
AUGUST 20, 2014 JACKSONVILLE. ORT DA
[cit "Sate
[ate
3506 GLEN ST, URCKSONVILLE, PL'32254-2336
(Property AdSHESs]
BORROWER'S PROMISE TO PAY I promise to pay U.S. $40,648.00 {this amount is called “Principal”.
In return for a Joan that [ have received,
plus interest, to the order of the Lender. The Lender is
BANK OF AMERICA, Nua.
Twill make all payments under this Note in the form of cash, check or money order.
T understand that the Lender may trans! fer this Note. The Lender or anyone who takes this Note by transfer and who i entitied
to receive payments under this Note is called the "Note Holder.”
2 INTEREST. rate
Interest wil be charged ‘on unpaid principal unt the full amount of Principal has been paid. I will pay interes’ at a searly
of 4.375 % Section 6118) of
‘The interest rate required by this Section 2 is t fhe rate I will pay both before and afler any default described in
this Note.
3 PAYMENTS
(A), Time and Place of Payments every month.
Twill pay prins al and interest by making a payment day of each month beginning on
will make ‘my monthly payment on the FIRST. have paid all of the Principal and interest and any
OCTOBER 02, 2024 - 1 will make these payments every month u
other charges described bé Jelow that | may oweipal.under this Note. Each month! iy payment will be applied as of its scheduled due date
and will be applied to interest before Pri [f,on SEPTEMBER 01, 2044 ; Tstill owe amsunts under this Note, [ will
pay those amounts in full on that date, which is called the "Maturity Date.”
I will make my monthly payments at
P.0. Box 650070, Dallas, ‘TX Note75265-0070 Holder.
oe at a different place if required by the
(B) Amount of Monthly Payments
My monthly payment will be the amount of U.S. $202.95,
4 BORROWER'S RIGHT TO PREPAY they are due. A payment of Principal only is known as 3
T have the right to make payments of f Principal at any time before
“Prepayment.” When I make a Prepayment, T thewillmonthly tell the Note Holder in writing that am doing so. T may not designate a
payment as a Prepayment if I have not made allPrepayments witpayments due under this Note.
thout paying a Psepayment charge. A partial PrepaymentPremust be in
Tmaymi jake a full Prepayment or partial ‘$100, whichever is less. The Note Holder will use my ‘payments
an amount not less than the next monthly principal payment or to any accrued and unpaid interes! A pa Atul
to reduce the amount of Principalthe that 1 owe, but may f first apply the Prepayment no interest will be charged after that date.
Prepayment w 11 be credited on date received by the Note Hi 30jolderdaysand after the Prepayment is received by the Note Hold er
Prepayment 11 be eredited by the next payment due date or
whichever is earlier.
LOAN CHARGES cherges. is finally interpreted so (a)thatanythe suchinterest or other
Ifa law, which applies to this loan and which sets maxi imum loanexceed the permitted limits. then: loan charge
loan charges collected or to be collecte ,d in connection with\rgethisto loan the permitted limi ‘and (b) any sums already collected from me
will be reduced by the amount 1 ecessa Fy‘Be torefunded
reduce the chat
to me. The Note Holder indmayreduces choose to make this refund by reducing the
which exceeded permitted me, If refu Principal, the reduct nm will be treated as
Principal ] owe under this Note or by making a direct payment to
a partial Prepaymen
Fonnie MaciFreddie Mac UNIFORM INSTRUMENT Form 3210 1/01 Amended 6100
RATE NOTE~Single Fam
‘Amended FIXED
FLORIDA for Veterans Affairs
VA Fixed Rate Note-FL Page
1 of 3
2005G-FL (08/13}(di)
a
BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdu e Pay: ments of any monthly payment by o1theFineendcharge of FTPTEES calendar
If the Note Holder due, has nt rece ed the full amount to the Note Holder. The amount will be 4.209 oof my
days after the date it 1 pay a lat 1 ¢ charge each late payment,
‘overdue payment. 1 wil I pay this late charge promptly but only ‘once on
(B) Default the date it is due, Twill be in default.
If I do not pay the full amour int of each monthly payment on amount by a
(C) Notice of Default may send me a writte n 1 tice telling m 1‘ofe that if | do not pay‘has thenot overduebeen paid and all the
If am in default, the "Note Holder to pay immedi jately the full amount Principal which
‘certain date, the Note that Holder may require me on which the notic 1¢ is mailed 10 me or delivered
interest that | owe on amount, That ¢ date must be at least 3 10 days after the date
by other mean:
(D) No Waiver By Note Holde:
ime whe! in Lam in default, the Note Holder does anotlaterrequire me to pay immediately in full as described above,
Even i time.
the Note Holder il 1 still haveHolder the right to d Jjo'so if am
" 's Costs and Expenses
in default at
have the right to be
(E) Payment of Note d me to pay im imediately ingin fullthis asNote de: seribed above, the Note Holder willapplica ble law, Those
If the Note Holder has require to the extent not prohibit ed by
paid back by me for all of e,its reasona costs and expenses infees.enforc
expenses include, for exampl ble attorne ys’
GIVING OF NOTI ES given to me under this Note willT givebe given by
7. require: 1s a different method, ‘any notice that must beabove or at a different address the Si
Unless applicable taw g it by first class m: to me at t the Propert y Address
delivei 1g it or by mailin different address. ihe Note Holder under this Note will 1 be given by delivering it or by mailiny gin‘of that by First class
Holder a notice of jatmy must be given to t different
‘Any notice th address stated in Section 3(A) a l bove or at a different address if { am given a notice
mail to the Note Holder at the
address.
OBLIGATIONS OF PER!signsSONS UNDER THIS NOTE is ful ily and personally obligated« tosurety keep all of the promises made in this
If more than one person this Note, each person owed, Any person who is 4 guarant or, or endorser of thi jote is also.oF
Note, including the sepromis amount
e to pay ‘the full who takes over these obl gations, inclu the ol ations of a guarantor.rights surety
‘obligated to do thes things. ‘obiAny ated pe srson .de in this Note. The Note folder may beenforce its under
i3 also to keep a l 1 of the promises ma‘ of us may req) aired 10 pay all of
endorser of this Note, perso individually or against all of us together. “This means that any one
this Note against each this Note.
the amounts owed under
% WAIVERS other person who has ‘obligations under this Note waive the rights of Present ment and Not 1e of Dishonor.
[and any right to requil re the Note Holder to deman d payment of amounts due. "Notice of Dishsnor™ means the
“presentment” means the amounts due hav’ r e not been paid
right to require the Ni fote Holder to give notice to ott ther persons that
UNIFORM SECURED NOTEment t with limited varia ions in some jurisdictions. in addition to the protect ions given to the
‘This Note is a uniform instra ‘urity Deed (the “Security Ins strument”), dated the same date as this
this Note, a Mortga ge, Deed of Trust, or See: es which | make in this Note
‘Note Holder under Note Holder from possi le losses which tht result if T do not keep the promis immedia te payment full of all
Note, protects the ment ‘describes how and under what co! wnditions | may be required to make
‘That’ Security Instru Some of those condit ions are described as follows: er is not a natural person
amounts Lowe underpart thisof Note. the Property ‘or any Interest‘sferred in the Property is sold or transferr red (or if Borrow immediate
If all or any wer is sold or tran: ) withou t Lender's prior writte a‘shall consent, Lender may byrequire Lender if such
and a benefic ial interest in Borroy Instrum ent. However , this option not be exercis ed
payment in full of all bysums secur ‘red by this Security
exercise is prohibexerciited AP! plicable Law. Borrower notice ofSectac Jeration. The notice shall provide a period of not
If Lender ses this option. Len dee shall give mn in accor dance with m5 wi in which Borrowejod,r Lender must pay all sums
notice is give
less than 30 days from the dateent.the If Borrower fails to pay thes« fe sums prior to the ex ration of this p- may invoke
secured by this Security Instrum ity Instrument without further notice or deman .d on Borrower.
any reme% s permitted by this Secu
AFFAIRS GUARANTE36 EDof theLOAN AUTHO! RITY,
M DEPARTMENT roved OF VETERA: Part Cade of Federal | Regulati ons in effect on the date of my
If my loan is app’ for a guaranty under Titleto 38, t this Note are governe ?t by those regulations. [Any provision of this Note
Joan, the rights, duties, ‘and ions liabilit ies of the parties jons.
inconsistent with the regulat is amen« .ded and supplement ited to conform with the regul
MENT Form 3210 1/01 Amended 6/00
FLORIDA RATEns NOTE~
FIXEDVetora Sinle Fai smiy-Fannlo Mao!Froddie Mac UNIFORM INSTRU
[mendod for Affairs.
VA Fixed Rate Note-FL, Page2 of 3
2005G-FL (08/13)
a
The state documentary tax dueon this Note has been paid on the mortgage securing this indebiednes:,
WITNESS THE HAND(S) AND SEAL‘S) OF THE UNDERSIGNED.
Lp . - (Sealy
GaMES BUCKHOLTS = Borrower
__ (Seal)
“Borrower
ee a (Sealy
THorower
eS —— (Sealy
2 Borrower
{Sign Original Onlv}
JODY BLANTON
Home Loan Consultant -External
Bank of America, NAL
®4Y TO THE ORDER OF
WITHOUT RECOUR
SANK OF AMERICA, SE
NA.
av ts ne
Mea
Nereida
Diar
Assistant Vice President
FIXED RATE NOTE--Single Family--Fannle Mao/Freddio Mac UNIFOR) A INSTRUMENT Form 3210 1/01 Amended 6/00
FLORIDA for
‘Amendod Veterans Affairs
‘VA Fixed Rate Note-FL Page 3.of3.
2005G-FL (08/13)
Preview
16-2022-CA-006738-XXXX-MA Div: CV-C Filing # 161757972 E-Filed 11/22/2022 03:47:29 PM IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA GENERAL JURISDICTION DIVISION CASE NO. NATIONSTAR MORTGAGE LLC, Plaintiff, VS. THE UNKNOWN HEIRS, BENEFICIARIES, DEVISEES, GRANTEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES AND ALL OTHERS WHO MAY CLAIM AN INTEREST IN THE ESTATE OF JAMES BUCKHOLTS, DECEASED, et. al., Defendant(s). NOTICE OF SUBMITTING FLA.STAT.§ 702.015(4) CERTIFICATION Plaintiff, by and through its undersigned counsel, hereby submits contemporaneously with the Complaint in this case the attached Certification of Possession pursuant to Fla.Stat.§702.015(4). ROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNERS, PLLC Attorney for Plaintiff 6409 Congress Ave., Suite 100 Boca Raton, FL 33487 Telephone: 561-241-6901 Facsimile: 561-997-6909 Service Email: flmail@raslg.com By: _\S\Tracy Starasoler_ Tracy Starasoler, Esquire Florida Bar No. 0766046 Communication Email: tstarasoler@raslg.com MAAC AA AHOON NACA NU PAGE 1 22-063253 ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 11/23/2022 01:34:30 PM CERTIFICATION OF POSSESSI PURSUANT TO EL. STAT. §702.015(4) The undersigned hereby certifies: 1 My name is Joseph Wallace and I am employed as an Original Documents Assistant in the Originai Document Department of Robertson, Anschutz, Schneid. Crane & Partners. PLLC, Plaintiff's counsel. As reflected on the original promissory note, the note at issue and upon which this action is brought was executed by JAMES BUCKHOLTS on August 20. 2014. I personally verified possession and location of the original note on August 24 20: 22 at 09:47 AM. As of the date and time of verification, the original note was located at Robertson. Anschutz, Schneid, Crane & Partners, PLLC. 6409 Congress Ave.. Suite 100. Boca Raton, FL 33487. Correct copies of the original note (and, if applicable, all endorsements. transte allonges. loan modifications or assignments of the note) are attached hereto. Some originai allonges and/or indorsements may be aftixed by stamp. 6. I give this statement based upon my own personal knowlecge . Under penalties of perjury, I declare that I have read the foregoing and that the facts stated in it are true. Executed on August 24, 2022 fee Joseph Wallace 22-063253 - JoW a a NOTE THIS LOAN IS NOT ASSUMABLE WITHOUT THE NOTICE: RTME NT OF VETER ANS AFFAI RS OR APPROVAL OF THE DEPA ITS AUTHORIZED AGENT . AUGUST 20, 2014 JACKSONVILLE. ORT DA [cit "Sate [ate 3506 GLEN ST, URCKSONVILLE, PL'32254-2336 (Property AdSHESs] BORROWER'S PROMISE TO PAY I promise to pay U.S. $40,648.00 {this amount is called “Principal”. In return for a Joan that [ have received, plus interest, to the order of the Lender. The Lender is BANK OF AMERICA, Nua. Twill make all payments under this Note in the form of cash, check or money order. T understand that the Lender may trans! fer this Note. The Lender or anyone who takes this Note by transfer and who i entitied to receive payments under this Note is called the "Note Holder.” 2 INTEREST. rate Interest wil be charged ‘on unpaid principal unt the full amount of Principal has been paid. I will pay interes’ at a searly of 4.375 % Section 6118) of ‘The interest rate required by this Section 2 is t fhe rate I will pay both before and afler any default described in this Note. 3 PAYMENTS (A), Time and Place of Payments every month. Twill pay prins al and interest by making a payment day of each month beginning on will make ‘my monthly payment on the FIRST. have paid all of the Principal and interest and any OCTOBER 02, 2024 - 1 will make these payments every month u other charges described bé Jelow that | may oweipal.under this Note. Each month! iy payment will be applied as of its scheduled due date and will be applied to interest before Pri [f,on SEPTEMBER 01, 2044 ; Tstill owe amsunts under this Note, [ will pay those amounts in full on that date, which is called the "Maturity Date.” I will make my monthly payments at P.0. Box 650070, Dallas, ‘TX Note75265-0070 Holder. oe at a different place if required by the (B) Amount of Monthly Payments My monthly payment will be the amount of U.S. $202.95, 4 BORROWER'S RIGHT TO PREPAY they are due. A payment of Principal only is known as 3 T have the right to make payments of f Principal at any time before “Prepayment.” When I make a Prepayment, T thewillmonthly tell the Note Holder in writing that am doing so. T may not designate a payment as a Prepayment if I have not made allPrepayments witpayments due under this Note. thout paying a Psepayment charge. A partial PrepaymentPremust be in Tmaymi jake a full Prepayment or partial ‘$100, whichever is less. The Note Holder will use my ‘payments an amount not less than the next monthly principal payment or to any accrued and unpaid interes! A pa Atul to reduce the amount of Principalthe that 1 owe, but may f first apply the Prepayment no interest will be charged after that date. Prepayment w 11 be credited on date received by the Note Hi 30jolderdaysand after the Prepayment is received by the Note Hold er Prepayment 11 be eredited by the next payment due date or whichever is earlier. LOAN CHARGES cherges. is finally interpreted so (a)thatanythe suchinterest or other Ifa law, which applies to this loan and which sets maxi imum loanexceed the permitted limits. then: loan charge loan charges collected or to be collecte ,d in connection with\rgethisto loan the permitted limi ‘and (b) any sums already collected from me will be reduced by the amount 1 ecessa Fy‘Be torefunded reduce the chat to me. The Note Holder indmayreduces choose to make this refund by reducing the which exceeded permitted me, If refu Principal, the reduct nm will be treated as Principal ] owe under this Note or by making a direct payment to a partial Prepaymen Fonnie MaciFreddie Mac UNIFORM INSTRUMENT Form 3210 1/01 Amended 6100 RATE NOTE~Single Fam ‘Amended FIXED FLORIDA for Veterans Affairs VA Fixed Rate Note-FL Page 1 of 3 2005G-FL (08/13}(di) a BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdu e Pay: ments of any monthly payment by o1theFineendcharge of FTPTEES calendar If the Note Holder due, has nt rece ed the full amount to the Note Holder. The amount will be 4.209 oof my days after the date it 1 pay a lat 1 ¢ charge each late payment, ‘overdue payment. 1 wil I pay this late charge promptly but only ‘once on (B) Default the date it is due, Twill be in default. If I do not pay the full amour int of each monthly payment on amount by a (C) Notice of Default may send me a writte n 1 tice telling m 1‘ofe that if | do not pay‘has thenot overduebeen paid and all the If am in default, the "Note Holder to pay immedi jately the full amount Principal which ‘certain date, the Note that Holder may require me on which the notic 1¢ is mailed 10 me or delivered interest that | owe on amount, That ¢ date must be at least 3 10 days after the date by other mean: (D) No Waiver By Note Holde: ime whe! in Lam in default, the Note Holder does anotlaterrequire me to pay immediately in full as described above, Even i time. the Note Holder il 1 still haveHolder the right to d Jjo'so if am " 's Costs and Expenses in default at have the right to be (E) Payment of Note d me to pay im imediately ingin fullthis asNote de: seribed above, the Note Holder willapplica ble law, Those If the Note Holder has require to the extent not prohibit ed by paid back by me for all of e,its reasona costs and expenses infees.enforc expenses include, for exampl ble attorne ys’ GIVING OF NOTI ES given to me under this Note willT givebe given by 7. require: 1s a different method, ‘any notice that must beabove or at a different address the Si Unless applicable taw g it by first class m: to me at t the Propert y Address delivei 1g it or by mailin different address. ihe Note Holder under this Note will 1 be given by delivering it or by mailiny gin‘of that by First class Holder a notice of jatmy must be given to t different ‘Any notice th address stated in Section 3(A) a l bove or at a different address if { am given a notice mail to the Note Holder at the address. OBLIGATIONS OF PER!signsSONS UNDER THIS NOTE is ful ily and personally obligated« tosurety keep all of the promises made in this If more than one person this Note, each person owed, Any person who is 4 guarant or, or endorser of thi jote is also.oF Note, including the sepromis amount e to pay ‘the full who takes over these obl gations, inclu the ol ations of a guarantor.rights surety ‘obligated to do thes things. ‘obiAny ated pe srson .de in this Note. The Note folder may beenforce its under i3 also to keep a l 1 of the promises ma‘ of us may req) aired 10 pay all of endorser of this Note, perso individually or against all of us together. “This means that any one this Note against each this Note. the amounts owed under % WAIVERS other person who has ‘obligations under this Note waive the rights of Present ment and Not 1e of Dishonor. [and any right to requil re the Note Holder to deman d payment of amounts due. "Notice of Dishsnor™ means the “presentment” means the amounts due hav’ r e not been paid right to require the Ni fote Holder to give notice to ott ther persons that UNIFORM SECURED NOTEment t with limited varia ions in some jurisdictions. in addition to the protect ions given to the ‘This Note is a uniform instra ‘urity Deed (the “Security Ins strument”), dated the same date as this this Note, a Mortga ge, Deed of Trust, or See: es which | make in this Note ‘Note Holder under Note Holder from possi le losses which tht result if T do not keep the promis immedia te payment full of all Note, protects the ment ‘describes how and under what co! wnditions | may be required to make ‘That’ Security Instru Some of those condit ions are described as follows: er is not a natural person amounts Lowe underpart thisof Note. the Property ‘or any Interest‘sferred in the Property is sold or transferr red (or if Borrow immediate If all or any wer is sold or tran: ) withou t Lender's prior writte a‘shall consent, Lender may byrequire Lender if such and a benefic ial interest in Borroy Instrum ent. However , this option not be exercis ed payment in full of all bysums secur ‘red by this Security exercise is prohibexerciited AP! plicable Law. Borrower notice ofSectac Jeration. The notice shall provide a period of not If Lender ses this option. Len dee shall give mn in accor dance with m5 wi in which Borrowejod,r Lender must pay all sums notice is give less than 30 days from the dateent.the If Borrower fails to pay thes« fe sums prior to the ex ration of this p- may invoke secured by this Security Instrum ity Instrument without further notice or deman .d on Borrower. any reme% s permitted by this Secu AFFAIRS GUARANTE36 EDof theLOAN AUTHO! RITY, M DEPARTMENT roved OF VETERA: Part Cade of Federal | Regulati ons in effect on the date of my If my loan is app’ for a guaranty under Titleto 38, t this Note are governe ?t by those regulations. [Any provision of this Note Joan, the rights, duties, ‘and ions liabilit ies of the parties jons. inconsistent with the regulat is amen« .ded and supplement ited to conform with the regul MENT Form 3210 1/01 Amended 6/00 FLORIDA RATEns NOTE~ FIXEDVetora Sinle Fai smiy-Fannlo Mao!Froddie Mac UNIFORM INSTRU [mendod for Affairs. VA Fixed Rate Note-FL, Page2 of 3 2005G-FL (08/13) a The state documentary tax dueon this Note has been paid on the mortgage securing this indebiednes:, WITNESS THE HAND(S) AND SEAL‘S) OF THE UNDERSIGNED. Lp . - (Sealy GaMES BUCKHOLTS = Borrower __ (Seal) “Borrower ee a (Sealy THorower eS —— (Sealy 2 Borrower {Sign Original Onlv} JODY BLANTON Home Loan Consultant -External Bank of America, NAL ®4Y TO THE ORDER OF WITHOUT RECOUR SANK OF AMERICA, SE NA. av ts ne Mea Nereida Diar Assistant Vice President FIXED RATE NOTE--Single Family--Fannle Mao/Freddio Mac UNIFOR) A INSTRUMENT Form 3210 1/01 Amended 6/00 FLORIDA for ‘Amendod Veterans Affairs ‘VA Fixed Rate Note-FL Page 3.of3. 2005G-FL (08/13)