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Recording Requested By:
RICHMOND MONROE GROUP
When Recorded Retum To:
RICHMOND MONROE GROUP
PO BOX 458
KIMBERLING CITY, MO 65686
LOST NOTE AFFIDAVIT {NT
Charlotte, Florida REFERENCE#: 0013183546A "WICKSON"
(S°131-CO
INVESTOR #: N19
FILED IN OPEN COURT
STATE OF UTAH )
)ss:
DATE
COUNTY OF SALT LAKE )
Jeff Young . being duly sworn, deposes and says under penalty of
perjury:
1. Iam a Senior Vice President of Select Portfolio Servicing, Inc. (the "Company"). As Senior Vice
President of the Company, in the regular course of my job duties and responsibilities, I review
business records and documents relating to the servicing of mortgage loans, including the type of
records that are the subject of this Lost Note Affidavit ("Affidavit").
7 I have personal knowledge of the facts stated in this Affidavit by virtue of my review of the
business records maintained by the Company in the ordinary course of business involving the
servicing of the loan that is the subject of this Affidavit.
On 11/03/2006 , MAGGIE WICKSON (the "Borrower") executed a promissory note in favor of
AMERICAN BROKERS CONDUIT, in the principal amount of $212,100.00 (the "Note"), which Note
is secured by a mortgage (the Mortgage") on the real property and improvements located at
4615-1625 FLORENCE AVENUE, ENGLEWOOD, FL 34223. A true and correct copy of the original
Note, together with any endorsements and/or allonges, is attached as Exhibit A.
On 07/16/2012 the loan governed by the Note and Mortgage was service released to the Company
for servicing.
5. The business records of the Company reflect that HSBC BANK USA, NATIONAL ASSOCIATION, AS
TRUSTEE ON BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A
SECURITIES MORTGAGE LOAN TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES,
SERIES 2007-AR1 (the "Noteholder") acquired the Note on or about 01/26/2007 . The Company
of and as attomey in fact for the Noteholder.
services the Note and Mortgage on behalf
6. The Note was endorsed by AMERICAN BROKERS CONDUIT specifically into BLANK.
‘Though the Company has conducted a diligent search of the business records maintained in
connection with the Note and Mortgage, possession of the Note cannot reasonably be obtained
because the Note was lost, misfiled, misplaced, destroyed, its whereabouts cannot be determined,
or it is in the wrongful possession of an unknown person or a person who cannot be found or is not
amenable to service of process.
8. The business records of the Company do not show that the Note was ever released, paid off,
satisfied, assigned, pledged, hypothecated, transferred by the Noteholder, seized through a lawful
seizure, or otherwise disposed of by the Noteholder or the Company.
Upon information and belief, the Noteholder was the owner of the Note when loss of possession
occurred and was entitled to enforce the Note at that time.
10. The Company is aware that the successors in interest, assigns and/or transferees of the original
holder of the Note (collectively, the "Owner") may rely upon the statements made in this Affidavit
as to the Note having been lost, mislaid, misfiled or destroyed and never having been released,
paid off, satisfied, assigned, transferred, pledged, hypothecated or otherwise disposed of by the
“cRA‘CRAAMR"01022015 1006.00 AN AMRRCZEAMRCAD0O0O0OTETOIENG7TSE1*FLCHARL' COYSTEBSHBA FLSTATE.LNA NOTE_TRUST_ASSN.AFF
“RAY KAVAMRC
AFFIDAVIT OF LOST OR MISPLACED ORIGINAL NOTE Page 2 of 3
Company.
11. If the Company should ever locate the Note, the Company agrees to provide the Note to the owner
of record of the Property at that time.
12. The Company hereby agrees to indemnify and hold the Borrower harmless from and against any
and all losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and
related costs, judgments, and other costs and expenses resulting from any claim, demand, defense
or assertion based upon, or resulting from the Company's breach or any covenant, representation or
warranty contained in this Affidavit.
END OF AFFIDAVIT
ONE SIGNATURE PAGE FOLLOWS
“oRACCRAAMRC"D1/0272015 1008.09 AMY AMRICZEAMRCATEC0000000000077796%" FLCHARL0013T85546A FLSTATE.LNA NOTE_TRUST_ASSN_AFF
“KAY KAYAME
AFFIDAVIT OF LOST OR MISPLACED ORIGINAL NOTE Page 3 of 3
IN WITNESS WHEREOF, the undersigned has executed this instrument on , on JAN 0.9 20%5
behalf of the Company as attorney-in-fact for HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE ON
BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A SECURITIES MORTGAGE LOAN
TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2007-AR1 , with Select Portfolio
Servicing, Inc. as attorney in fact.
SELI Wb, SERVICING, INC. van
0 SERV, ley’
Yo < ¥
ofate
ee
pun Senior Vice President 1z
fo oN
N.
O IS ues
STATE OF UTAH
COUNTY OF SALT LAKE
on _JAN 09 2015 before me, SHIRLEY TUITUPOU , @ Notary Public in and for SALT LAKE in the
State of UTAH, personally appeared jeff Young , Senior Vice President of Select
Portfolio Servicing, Inc., signing on behalf of HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE ON
BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A SECURITIES MORTGAGE LOAN
TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2007-AR1 , personally known to me
(or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the
within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity,
and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s)
acted, executed the instrument.
WITNESS my hand and official seal,
SHIRLEY TUI TUPOU
eS Notory Public
My CommissionState of Utah
Expires on:
November 12, 2016
Comm. Number: 659599
Notary Expires:!) 142010 #- 654594
(This area for notarial seal)
Prepared By: BILL KOCH, SELECT PORTFOLIO SERVICING, INC. 3815 SOUTH WEST TEMPLE, SALT LAKE CITY, UT
84115 800-258-8602
“SCRATCRAAMRG*D1/0212015 10:06.00 AM* AMRC2BAMRCA000000000000000777961"
FLCHARL” 0013183546A FLSTATE_LNA_NOTE_TRUST_ASSN_AFF
KAY KAYAMRC™
ae
ADJUSTABLE RATE NOTE
LABOR Index - Rate Caps)
(hmm nnn hs eyo Pt Met)
Ti@s NOTE CONTAINE PROVISIONS ALLOWMEFOR CHANGES INMY INYEREST RATE
AND MY MONTHLYPA} f. THIS NOTE LIMITS
ER CANOE AT ANY OME TN AND THE MAXIMUM HATE MUST PAY.”
Movenber 3, 2006 ‘BNGLEWOOD
fom
12615-2625 FLORENCE AVENUE, Englewood, FL 24223
Prenat)
PROMISETO PAY
Ingen for a fom that have reeaved,T to pay US$ 212,200.00 (ls arnt is cated
ives to in order of Lender. The Lender isknercan Brokers Conduit
Tl makes al payments wn this Note inthe form of eash, check or money ander,
‘understand tha the Lender tay taster this Note, The Leder or anyone who tes this Note by transfer and who is entiled
to receee payments under ths Note sealed the "Noo Holder.”
Innrest wil be charged oa wap a Bo al bn ely et yy oc
7.250% The interest rate wil pay will change in ecardance with Section
‘he nt ets eed by econ 7nd Set 8 kN ee wl pp ns eae ary et
deserved i Section 7{B) of thls Note.
3. PAYMENTS:
(A) Time and Pisco of
1 wll pay peiacipel nd knerest by making « peyment
| will make my moathly payment othe firs day of each month on Jamuary2, 2007
wil make thee paytnats evry month unl {ave paid all oft prinepat and interest and anyother charges described below
that { may ome under this Note. Each mosihly payment wil be applied as of is scheduled duo dle ad wel be applied t'fnerest
December 2, 2036 ‘tll owe amounts ender his Noe, twill
pay thasa
‘amounts in fl on dat don, whlch is called the "Mtulty Date.”
1 al make my ‘paymentsat PO Box €60029, Dallas, ™% 75266-0029
ovata fferet plac if ered by tha Note Holder.
@) Amowat of My bola!
Bach of sy initial monty payments Wil bein the amon oF U.S,$ 2,203.44 This anu may change.
{© Manthiy |
fa my monly payment wil roflct changes fn tho unpaid principal of my loen and inthe ferest rat that 1 must pay.
“Tho Noto Holder wil determi my new fest rete ard the changed amount of my masthly peyoent in accordance with
408 his Note,
oe misz06n2 sor, greccieesza0
reafie Mat UNECE. ‘LEBORJeder (Astonsble Gerlag Lite of Lens) (Find Besiese Dey
Aaendadfr a
peorwey Hse
Powe
narniaOH
aaa (LD, AR
EEO
IMAGING MEMO
THE WRITING/TYPING & PRINTING
WAS UNSATISFACTORY FOR
REPRODUCTION AT THE TIME 810 _87a2 12617 N @@1
OF IMAGING
‘+ ROVEREST RATE AND MONTHLY PAYMENT CHANGES
‘foresee py mya co te et dof Decenber, and muy change on at
day every ssth moath thereat. ac nonheme Daa
(@) Tee Index
Broking to it men Do, my ome it wl be bed om a od. The “nr it he di nh London
‘Interbank Offered Rate C*LIBOR") which Is te avernge of interbank offered rats fbr alx-moath US,
{a the London master, ws published lo The Wall Sree! Journet The most receat lndex figure wvalsble ax of the first busiest day
of the month immediatly preding the month fo which the Change Dete cccurs ix caled te
If Ue Indes Is no longer mvallable, the Nota Holder wil choose new fadox which fs baed upon comparable information. The
[Note Holder wil sive me notice of is
(©) Cateatation of Changes
[Before each Chinge Date the Note Holder wil calculate my new inerest fats by adding Two and One Quarter
‘2.250 %) to te Corrent Index. The Note Holder
ide od ho eno sin ne onda om pcg ot (01204). eject oe nt edn
Section 4D) below, this roondéd arsoea wil be my new bneest rate mal the next Change
The Now Het doe erin ee ef mvt papa two beac ey pls
tha am expec 1 oe a Change Di i il ne Matty it a ny er fin italy payments,
‘The result oF this calalntion wil be te new amount of my miontbly peyment.
(©) Lint: on interestase
“The interest rate 1am regired fo pay ute frat Change Daze will nat be greater then 12,250 %or
fess 2.250%, Thereafter, my intros rate will nover be increased or decreased on any tingle Change
Date by more than 12,000%)
from the rato of interest [ have been paying for the pieceding six months My fansest ri will nover be greater than
32.250
©) Beectva
Date of
Maa aoe at wile ei ond Ch Da vl ry he ne fm mat permet egg
on the fst monty payment dts fer he Change Deol he amount of ay monty payment
Note
8 Gro aw ra cote of xy ange say tases end sme
sete tote a fay ge Te il ca itn on yb tobe gra mwaa ao ood
Aclephone manber ofa person who wil answer any question I may have regardingte
'S RIGHT TO PREPAY
have the right to maka payne before they as due. A ‘of Prinsipal only is known as a
151 Prepayment]
sina te ili
have sot mds a tha monthly
ring thot I 0. my Dot designate a payment
1 aly make wilt Prepayment chs onpjg Repu charg Tit NotHole wi we my
of Prineipal tht 1 one war this Not. However the Note Holder may apply
the accrued and wap interest on he 0 radace the Procipal mount of the
[Note iT mule u partial Propayeneat, there wil be no changes in the duc dates of xy payment unless the Noke Holler
to those changes. the amount of my poment aber
‘aalong ay pct repayment. However, any reduction due to my paral Prepayment muy’ be offset by an intrest
6 LOAN CHARGES:
Tra in, we ope aan ad wih st mca fn ars it Inmcpeetd go tha the inarost r other oan.
lected or to be collected in cconectin with tis loan exceed the permited thay Schon hss be
redknad by tho amount necessary 10 ta and (0) ary
erred fis wl be refined to me. The Not The Bly et i oe
‘under thls Nom cr by making a direct payment to me, If refund reduess a, tho raduetion will be treated asm partial
oc #132003, ‘nom, #ro9oiaaez9 erm 528 304
Spereyvy ree woes COS
IMAGING MEMQ
THE WRITING/TYPING & PRINTING
WAS UNSATISFACTORY FOR
REPRODUCTION AT THE TIME
OF IMAGING
7. BORROWER'S PAILURE TO PAY AS REQUIRED
(A) Late Charges for Overdue Payrients
[the Note Holder bas not reclved the full amount of any raowthly payment by the ead of Fiftean calendar days after
‘the dat itis diac, I wal pay e eis charge tothe Note Holder, Tho snowat ofthe charg wi 3.000 %
‘of my overive payment of and ltt 1 wl py this ate charge promptly bt ony ence cn ech ts peynere,
11 do not pay the fll amount ofeach monthly payateat on the dao i fs dur, I wil bein default,
(O)Notice of Detactt
Tr am in defeat, tho Note Holder muy seod ran a written notice telling ore that if do not pay the cverdve emicant by a certain
date, the Nota Hokier muy require me to pay bnmedTntely the full exc of Principal which bas mot been paid ar all tbe interest
that | owe ox chat amount, Thet dat must be at leat 30 days afer the date on which the notice is malied to ato or delivered by
ober means.
(D) No Waiver by Note Holder
‘Byen if ata time when Tam fn delauk, the Note Holder does not roqulre me to pay inesedinely in ful at deseibed above, the
‘No Heder wt wt ave thigh odo a fad ot ade,
(&) Payment of Note Holder's Costs and Expenses
Ifthe Nota Halder has required me to pay iseodiately fx ful as described above, the Note Holder will have the right to be pal
back by me for al ofits cons nad expenses fo enforcing this Note to the extent not probibled by applicable tw, Thoso expenses
{nchde, for example, reasanable tome! fet.
4 GIVINGOF
aw requires 2 different method, aay notice thet mast be given to me wader this Note witl be
delivering i ot by malig It by fet class mall to me at the Property Address above or ata different addcess If | give the Note
Holder a notice of my acess.
‘Any notice that must bo given tothe Note Holder under this Note wil be given by delivering itor by malting i by frst class
‘mailto the Note Holder atthe address sited fa Section (A) above or ata diffrent adress ifT am piven a notice of tat ffereat
address,
9, OBLIGATIONS OF PERSONS UNDER THIS NOTE
‘Wfmaove than one perton sigs this Note, eazh person is fhlty and persoaally obligated w keep all of the promises made fa this
‘Note, including the promise 20 pay the full umount owed. Any person who is x guarantee, sorely ar endoeser of this Note is also
obligated to do these things. Any person who takes over these obligations, the obligations of a guarantor, surety er
‘endorser ofthis Note, i also obligated to keep all ofthe promises rade in thia Note. The Note Holder may enforce ts tights under
(dis Note agaist each parson individually or against all of ws together. This means that any one of us mury bo required to pay all of
‘he amaunts owed water this Nota,
‘10. WAIVERS
{and aay other person who his obligations wader thir Note waive the rights of Presentnest and Notice of Dichowrr,
"Prosentment" means the right to requte the Note Holder to deasand peyment of ameans due, “Notice of Dishonor" means the
‘ght to require the Note Holder to give notice fo other persons that auouats us have not been pad,
11, UNIFORM SECURED |
“This Note is a unifora latrament with Tite variations in sorte jurisdictions. tn edition to the protections given to the Now
‘Holder wader this Note, a Mortgage, Deed of Trust, or Secarlty Deed {the "Security Instrument") ded the sare date as this Not,
‘protects the Nove Hilder from poastble losses which aslghe result if do not kecp the promises wich I rvako fa chis Now ‘That
‘Secavity eatranent describes hoes and wader what conditions 1 may bo required to ras immediate payment In ful of ll amicus
‘owe onder this Note, Some of tage conditions ure described as follows:
+
oe 41320802 ‘Avre srocensnez9 Fern 5004
SRasvryom eat tte OOS
‘
IMAGING MEMO
THE WRITING/TYPING & PRINTING
WAS UNSATISFACTORY FOR
- REPRODUCTION AT THE TIME
OF IMAGING
‘Transfer of the Property or » Beselicat fa Borrower, Ax vsed fa this Sexton 18, “terest in the
Property" means eny legal or beneficial interest in the Property, including, but not Gmited to, those beneficial intreats
‘rumsferred im bond for dead, contract for conract Ox escrow agreement, the inzat of which le
the transfer of tile by Borrower atx forare die toa
alloc ay pat ofthe Property or any Interest inte Property I oli oc mastered or 1 Borrower i nota rata
person and a beraficin interest fn Borrower Is sold oc trecafecred) without Lender's prior wriica conset, Lender
‘require irraediate payment in fll of a suns sccared by this Security Intruenent. Hower, tls option aba nat bo
‘ceercised by Lender if such exercise is prohibited by Applicable Law. Leador als shal wot exercise tis option tf (a)
Borrower crases to be submited 0 bby Lender 1 evalutn the fended trmaferce asia
‘ew loa were being made to tho trancferee;and (8) Lender detesmines that Lender's vecaity wil not be
‘eked ye lon emptor af ey cee rect Sry Ie
Tate cet poled by Ayla Law andy tres ele ht cnc Lines et
10 the loan assumption. Leader ‘bo requte the transferee 10 sign an xsropdon Is accepmabeto
Lander aed that obligates the transferee eo keep alle promises and agreements mado in the Note and in tis Secartny
Teatrontet, Borrower wil conione to be obliged under the Nore and tis Secty ormemest ‘unless Lender relestes
Borrowerfo
TC Lender fn fat, Borrower notke of
scéeleration. Tho notes thal! provide a peried of not less than 30 days from the dete the actice is given tn accordance
with Section 15 wihtin which Boerowor must pay al sums secured by this Testument, Lf Bocrower fs to pay
sees pert npn fe pi Lender my yee by this:
further nee or demand
132, DOCUMENTARY TAX
‘The state documeotary tax duo on this Note has been paid oo the roortgage securing ts indebvedeass.
WITNESS THE HAND(S) AND SEAL{S) OF THE UNDERSIGNED.
.
.
(Seal)
.CKSOR Bact
Bign Original Onty
‘bor #2320094 vm srooenaeez20
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IMAGING MEMO
THE WRITING/TYPI ING & PRI
NTING
WAS UNSATISF, ‘ACTORY FOR
REPRODUCTIO! NAT THE TIM
E
OF IMAGING
Preview
Recording Requested By: RICHMOND MONROE GROUP When Recorded Retum To: RICHMOND MONROE GROUP PO BOX 458 KIMBERLING CITY, MO 65686 LOST NOTE AFFIDAVIT {NT Charlotte, Florida REFERENCE#: 0013183546A "WICKSON" (S°131-CO INVESTOR #: N19 FILED IN OPEN COURT STATE OF UTAH ) )ss: DATE COUNTY OF SALT LAKE ) Jeff Young . being duly sworn, deposes and says under penalty of perjury: 1. Iam a Senior Vice President of Select Portfolio Servicing, Inc. (the "Company"). As Senior Vice President of the Company, in the regular course of my job duties and responsibilities, I review business records and documents relating to the servicing of mortgage loans, including the type of records that are the subject of this Lost Note Affidavit ("Affidavit"). 7 I have personal knowledge of the facts stated in this Affidavit by virtue of my review of the business records maintained by the Company in the ordinary course of business involving the servicing of the loan that is the subject of this Affidavit. On 11/03/2006 , MAGGIE WICKSON (the "Borrower") executed a promissory note in favor of AMERICAN BROKERS CONDUIT, in the principal amount of $212,100.00 (the "Note"), which Note is secured by a mortgage (the Mortgage") on the real property and improvements located at 4615-1625 FLORENCE AVENUE, ENGLEWOOD, FL 34223. A true and correct copy of the original Note, together with any endorsements and/or allonges, is attached as Exhibit A. On 07/16/2012 the loan governed by the Note and Mortgage was service released to the Company for servicing. 5. The business records of the Company reflect that HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE ON BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A SECURITIES MORTGAGE LOAN TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2007-AR1 (the "Noteholder") acquired the Note on or about 01/26/2007 . The Company of and as attomey in fact for the Noteholder. services the Note and Mortgage on behalf 6. The Note was endorsed by AMERICAN BROKERS CONDUIT specifically into BLANK. ‘Though the Company has conducted a diligent search of the business records maintained in connection with the Note and Mortgage, possession of the Note cannot reasonably be obtained because the Note was lost, misfiled, misplaced, destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person or a person who cannot be found or is not amenable to service of process. 8. The business records of the Company do not show that the Note was ever released, paid off, satisfied, assigned, pledged, hypothecated, transferred by the Noteholder, seized through a lawful seizure, or otherwise disposed of by the Noteholder or the Company. Upon information and belief, the Noteholder was the owner of the Note when loss of possession occurred and was entitled to enforce the Note at that time. 10. The Company is aware that the successors in interest, assigns and/or transferees of the original holder of the Note (collectively, the "Owner") may rely upon the statements made in this Affidavit as to the Note having been lost, mislaid, misfiled or destroyed and never having been released, paid off, satisfied, assigned, transferred, pledged, hypothecated or otherwise disposed of by the “cRA‘CRAAMR"01022015 1006.00 AN AMRRCZEAMRCAD0O0O0OTETOIENG7TSE1*FLCHARL' COYSTEBSHBA FLSTATE.LNA NOTE_TRUST_ASSN.AFF “RAY KAVAMRC AFFIDAVIT OF LOST OR MISPLACED ORIGINAL NOTE Page 2 of 3 Company. 11. If the Company should ever locate the Note, the Company agrees to provide the Note to the owner of record of the Property at that time. 12. The Company hereby agrees to indemnify and hold the Borrower harmless from and against any and all losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments, and other costs and expenses resulting from any claim, demand, defense or assertion based upon, or resulting from the Company's breach or any covenant, representation or warranty contained in this Affidavit. END OF AFFIDAVIT ONE SIGNATURE PAGE FOLLOWS “oRACCRAAMRC"D1/0272015 1008.09 AMY AMRICZEAMRCATEC0000000000077796%" FLCHARL0013T85546A FLSTATE.LNA NOTE_TRUST_ASSN_AFF “KAY KAYAME AFFIDAVIT OF LOST OR MISPLACED ORIGINAL NOTE Page 3 of 3 IN WITNESS WHEREOF, the undersigned has executed this instrument on , on JAN 0.9 20%5 behalf of the Company as attorney-in-fact for HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE ON BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A SECURITIES MORTGAGE LOAN TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2007-AR1 , with Select Portfolio Servicing, Inc. as attorney in fact. SELI Wb, SERVICING, INC. van 0 SERV, ley’ Yo < ¥ ofate ee pun Senior Vice President 1z fo oN N. O IS ues STATE OF UTAH COUNTY OF SALT LAKE on _JAN 09 2015 before me, SHIRLEY TUITUPOU , @ Notary Public in and for SALT LAKE in the State of UTAH, personally appeared jeff Young , Senior Vice President of Select Portfolio Servicing, Inc., signing on behalf of HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE ON BEHALF OF THE CERTIFICATE HOLDERS OF THE DEUTSCHE BANK ALT-A SECURITIES MORTGAGE LOAN TRUST 2007-AR1, MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2007-AR1 , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal, SHIRLEY TUI TUPOU eS Notory Public My CommissionState of Utah Expires on: November 12, 2016 Comm. Number: 659599 Notary Expires:!) 142010 #- 654594 (This area for notarial seal) Prepared By: BILL KOCH, SELECT PORTFOLIO SERVICING, INC. 3815 SOUTH WEST TEMPLE, SALT LAKE CITY, UT 84115 800-258-8602 “SCRATCRAAMRG*D1/0212015 10:06.00 AM* AMRC2BAMRCA000000000000000777961" FLCHARL” 0013183546A FLSTATE_LNA_NOTE_TRUST_ASSN_AFF KAY KAYAMRC™ ae ADJUSTABLE RATE NOTE LABOR Index - Rate Caps) (hmm nnn hs eyo Pt Met) Ti@s NOTE CONTAINE PROVISIONS ALLOWMEFOR CHANGES INMY INYEREST RATE AND MY MONTHLYPA} f. THIS NOTE LIMITS ER CANOE AT ANY OME TN AND THE MAXIMUM HATE MUST PAY.” Movenber 3, 2006 ‘BNGLEWOOD fom 12615-2625 FLORENCE AVENUE, Englewood, FL 24223 Prenat) PROMISETO PAY Ingen for a fom that have reeaved,T to pay US$ 212,200.00 (ls arnt is cated ives to in order of Lender. The Lender isknercan Brokers Conduit Tl makes al payments wn this Note inthe form of eash, check or money ander, ‘understand tha the Lender tay taster this Note, The Leder or anyone who tes this Note by transfer and who is entiled to receee payments under ths Note sealed the "Noo Holder.” Innrest wil be charged oa wap a Bo al bn ely et yy oc 7.250% The interest rate wil pay will change in ecardance with Section ‘he nt ets eed by econ 7nd Set 8 kN ee wl pp ns eae ary et deserved i Section 7{B) of thls Note. 3. PAYMENTS: (A) Time and Pisco of 1 wll pay peiacipel nd knerest by making « peyment | will make my moathly payment othe firs day of each month on Jamuary2, 2007 wil make thee paytnats evry month unl {ave paid all oft prinepat and interest and anyother charges described below that { may ome under this Note. Each mosihly payment wil be applied as of is scheduled duo dle ad wel be applied t'fnerest December 2, 2036 ‘tll owe amounts ender his Noe, twill pay thasa ‘amounts in fl on dat don, whlch is called the "Mtulty Date.” 1 al make my ‘paymentsat PO Box €60029, Dallas, ™% 75266-0029 ovata fferet plac if ered by tha Note Holder. @) Amowat of My bola! Bach of sy initial monty payments Wil bein the amon oF U.S,$ 2,203.44 This anu may change. {© Manthiy | fa my monly payment wil roflct changes fn tho unpaid principal of my loen and inthe ferest rat that 1 must pay. “Tho Noto Holder wil determi my new fest rete ard the changed amount of my masthly peyoent in accordance with 408 his Note, oe misz06n2 sor, greccieesza0 reafie Mat UNECE. ‘LEBORJeder (Astonsble Gerlag Lite of Lens) (Find Besiese Dey Aaendadfr a peorwey Hse Powe narniaOH aaa (LD, AR EEO IMAGING MEMO THE WRITING/TYPING & PRINTING WAS UNSATISFACTORY FOR REPRODUCTION AT THE TIME 810 _87a2 12617 N @@1 OF IMAGING ‘+ ROVEREST RATE AND MONTHLY PAYMENT CHANGES ‘foresee py mya co te et dof Decenber, and muy change on at day every ssth moath thereat. ac nonheme Daa (@) Tee Index Broking to it men Do, my ome it wl be bed om a od. The “nr it he di nh London ‘Interbank Offered Rate C*LIBOR") which Is te avernge of interbank offered rats fbr alx-moath US, {a the London master, ws published lo The Wall Sree! Journet The most receat lndex figure wvalsble ax of the first busiest day of the month immediatly preding the month fo which the Change Dete cccurs ix caled te If Ue Indes Is no longer mvallable, the Nota Holder wil choose new fadox which fs baed upon comparable information. The [Note Holder wil sive me notice of is (©) Cateatation of Changes [Before each Chinge Date the Note Holder wil calculate my new inerest fats by adding Two and One Quarter ‘2.250 %) to te Corrent Index. The Note Holder ide od ho eno sin ne onda om pcg ot (01204). eject oe nt edn Section 4D) below, this roondéd arsoea wil be my new bneest rate mal the next Change The Now Het doe erin ee ef mvt papa two beac ey pls tha am expec 1 oe a Change Di i il ne Matty it a ny er fin italy payments, ‘The result oF this calalntion wil be te new amount of my miontbly peyment. (©) Lint: on interestase “The interest rate 1am regired fo pay ute frat Change Daze will nat be greater then 12,250 %or fess 2.250%, Thereafter, my intros rate will nover be increased or decreased on any tingle Change Date by more than 12,000%) from the rato of interest [ have been paying for the pieceding six months My fansest ri will nover be greater than 32.250 ©) Beectva Date of Maa aoe at wile ei ond Ch Da vl ry he ne fm mat permet egg on the fst monty payment dts fer he Change Deol he amount of ay monty payment Note 8 Gro aw ra cote of xy ange say tases end sme sete tote a fay ge Te il ca itn on yb tobe gra mwaa ao ood Aclephone manber ofa person who wil answer any question I may have regardingte 'S RIGHT TO PREPAY have the right to maka payne before they as due. A ‘of Prinsipal only is known as a 151 Prepayment] sina te ili have sot mds a tha monthly ring thot I 0. my Dot designate a payment 1 aly make wilt Prepayment chs onpjg Repu charg Tit NotHole wi we my of Prineipal tht 1 one war this Not. However the Note Holder may apply the accrued and wap interest on he 0 radace the Procipal mount of the [Note iT mule u partial Propayeneat, there wil be no changes in the duc dates of xy payment unless the Noke Holler to those changes. the amount of my poment aber ‘aalong ay pct repayment. However, any reduction due to my paral Prepayment muy’ be offset by an intrest 6 LOAN CHARGES: Tra in, we ope aan ad wih st mca fn ars it Inmcpeetd go tha the inarost r other oan. lected or to be collected in cconectin with tis loan exceed the permited thay Schon hss be redknad by tho amount necessary 10 ta and (0) ary erred fis wl be refined to me. The Not The Bly et i oe ‘under thls Nom cr by making a direct payment to me, If refund reduess a, tho raduetion will be treated asm partial oc #132003, ‘nom, #ro9oiaaez9 erm 528 304 Spereyvy ree woes COS IMAGING MEMQ THE WRITING/TYPING & PRINTING WAS UNSATISFACTORY FOR REPRODUCTION AT THE TIME OF IMAGING 7. BORROWER'S PAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payrients [the Note Holder bas not reclved the full amount of any raowthly payment by the ead of Fiftean calendar days after ‘the dat itis diac, I wal pay e eis charge tothe Note Holder, Tho snowat ofthe charg wi 3.000 % ‘of my overive payment of and ltt 1 wl py this ate charge promptly bt ony ence cn ech ts peynere, 11 do not pay the fll amount ofeach monthly payateat on the dao i fs dur, I wil bein default, (O)Notice of Detactt Tr am in defeat, tho Note Holder muy seod ran a written notice telling ore that if do not pay the cverdve emicant by a certain date, the Nota Hokier muy require me to pay bnmedTntely the full exc of Principal which bas mot been paid ar all tbe interest that | owe ox chat amount, Thet dat must be at leat 30 days afer the date on which the notice is malied to ato or delivered by ober means. (D) No Waiver by Note Holder ‘Byen if ata time when Tam fn delauk, the Note Holder does not roqulre me to pay inesedinely in ful at deseibed above, the ‘No Heder wt wt ave thigh odo a fad ot ade, (&) Payment of Note Holder's Costs and Expenses Ifthe Nota Halder has required me to pay iseodiately fx ful as described above, the Note Holder will have the right to be pal back by me for al ofits cons nad expenses fo enforcing this Note to the extent not probibled by applicable tw, Thoso expenses {nchde, for example, reasanable tome! fet. 4 GIVINGOF aw requires 2 different method, aay notice thet mast be given to me wader this Note witl be delivering i ot by malig It by fet class mall to me at the Property Address above or ata different addcess If | give the Note Holder a notice of my acess. ‘Any notice that must bo given tothe Note Holder under this Note wil be given by delivering itor by malting i by frst class ‘mailto the Note Holder atthe address sited fa Section (A) above or ata diffrent adress ifT am piven a notice of tat ffereat address, 9, OBLIGATIONS OF PERSONS UNDER THIS NOTE ‘Wfmaove than one perton sigs this Note, eazh person is fhlty and persoaally obligated w keep all of the promises made fa this ‘Note, including the promise 20 pay the full umount owed. Any person who is x guarantee, sorely ar endoeser of this Note is also obligated to do these things. Any person who takes over these obligations, the obligations of a guarantor, surety er ‘endorser ofthis Note, i also obligated to keep all ofthe promises rade in thia Note. The Note Holder may enforce ts tights under (dis Note agaist each parson individually or against all of ws together. This means that any one of us mury bo required to pay all of ‘he amaunts owed water this Nota, ‘10. WAIVERS {and aay other person who his obligations wader thir Note waive the rights of Presentnest and Notice of Dichowrr, "Prosentment" means the right to requte the Note Holder to deasand peyment of ameans due, “Notice of Dishonor" means the ‘ght to require the Note Holder to give notice fo other persons that auouats us have not been pad, 11, UNIFORM SECURED | “This Note is a unifora latrament with Tite variations in sorte jurisdictions. tn edition to the protections given to the Now ‘Holder wader this Note, a Mortgage, Deed of Trust, or Secarlty Deed {the "Security Instrument") ded the sare date as this Not, ‘protects the Nove Hilder from poastble losses which aslghe result if do not kecp the promises wich I rvako fa chis Now ‘That ‘Secavity eatranent describes hoes and wader what conditions 1 may bo required to ras immediate payment In ful of ll amicus ‘owe onder this Note, Some of tage conditions ure described as follows: + oe 41320802 ‘Avre srocensnez9 Fern 5004 SRasvryom eat tte OOS ‘ IMAGING MEMO THE WRITING/TYPING & PRINTING WAS UNSATISFACTORY FOR - REPRODUCTION AT THE TIME OF IMAGING ‘Transfer of the Property or » Beselicat fa Borrower, Ax vsed fa this Sexton 18, “terest in the Property" means eny legal or beneficial interest in the Property, including, but not Gmited to, those beneficial intreats ‘rumsferred im bond for dead, contract for conract Ox escrow agreement, the inzat of which le the transfer of tile by Borrower atx forare die toa alloc ay pat ofthe Property or any Interest inte Property I oli oc mastered or 1 Borrower i nota rata person and a beraficin interest fn Borrower Is sold oc trecafecred) without Lender's prior wriica conset, Lender ‘require irraediate payment in fll of a suns sccared by this Security Intruenent. Hower, tls option aba nat bo ‘ceercised by Lender if such exercise is prohibited by Applicable Law. Leador als shal wot exercise tis option tf (a) Borrower crases to be submited 0 bby Lender 1 evalutn the fended trmaferce asia ‘ew loa were being made to tho trancferee;and (8) Lender detesmines that Lender's vecaity wil not be ‘eked ye lon emptor af ey cee rect Sry Ie Tate cet poled by Ayla Law andy tres ele ht cnc Lines et 10 the loan assumption. Leader ‘bo requte the transferee 10 sign an xsropdon Is accepmabeto Lander aed that obligates the transferee eo keep alle promises and agreements mado in the Note and in tis Secartny Teatrontet, Borrower wil conione to be obliged under the Nore and tis Secty ormemest ‘unless Lender relestes Borrowerfo TC Lender fn fat, Borrower notke of scéeleration. Tho notes thal! provide a peried of not less than 30 days from the dete the actice is given tn accordance with Section 15 wihtin which Boerowor must pay al sums secured by this Testument, Lf Bocrower fs to pay sees pert npn fe pi Lender my yee by this: further nee or demand 132, DOCUMENTARY TAX ‘The state documeotary tax duo on this Note has been paid oo the roortgage securing ts indebvedeass. WITNESS THE HAND(S) AND SEAL{S) OF THE UNDERSIGNED. . . (Seal) .CKSOR Bact Bign Original Onty ‘bor #2320094 vm srooenaeez20 peneyvo Pontes erm 510304 IMAGING MEMO THE WRITING/TYPI ING & PRI NTING WAS UNSATISF, ‘ACTORY FOR REPRODUCTIO! NAT THE TIM E OF IMAGING