Preview
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 11/09/2023
EXHIBIT B
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEXNONO.
TNDEX EFCA2023-000296
. EFCA2 O2 00C 2 96
FILED: LEWIS COUNTY CLERK 08/18/2023 04 : 09 PM
NYSCEF
NYSCEP DOC.
DCC .NO.
NO. 231 RECEIVED
RECE NYSCEF:
T VED NYSCEF : C 811/09/2023
/1 8 / 2 02 3
KEY EQUITY OPTIONS AGREEMENT
yR111k
.c d n ran Keythak ½nal:al Association
Meaning of Wortis: :n this Agreement N
woms"k ''yor." -md ' yoic
4910 Ts (nicquar Read, rul t e G Ecoc yn. 44 I li T:ic wards
FKemanP)
meanjnmily and m.:ral.y
r
ony in nErrrm
6509 R.tVER ST IAMV1LLi N 1 .m
woul"A;p«mcot'
nwans tim Key Eqmtv Options Agreement
(Borrowet(s) Names) anti ResidçrRc) anti the
oferedit acottnt (the
Terms at Agreemenit: 'This Agreemein gowne. tlic useol vous Iv:y EmistyOpnoes |inc
tui chd. sevoMuc hne of atdii ullh m (100"Vahabl( Rate Portion
"Accomif) With tis h descr4cs your wujahic rac,
:mano t vour kne O me") of c3cdital a 0xed
and 16eF1xat it:ite Option by whit.h you mcy elecl w sepaycellain advances
in1crestrate for a tenn
specif.c21
L KEY EQUITY OPTIONS ACHEENENT
1- Credit I.irnit: Ali approved Liae of S h0, 5 at . c ndtl ; nirt a catabhhed for your Key Equity Option
(¯ aint Iben obtair: adcitiofial Advances,
Accoimt Dtnirm the drau pened, you mas obtain advances Ah:ntee") rcW·ay
1.nnit mH tw redticed by Advances
provided such Adwmcts would no( caust pur Crecli: Limii ic be cuccJed Yem twchi
your Arronnt nad shemnount of Fixed Rat 0ptnu utocli you electto lake. 0miwthe draw
laken mpngst by any
princÈal Edain et the Vaiiable RatePo3tionon ny Fhed Rme
period, any amounts) you icpay againsi ticon!standirm
repayme:itperic® yoli will no longer be
Option will increaseflic anotmt ofcredit available lo you accordmply. DuImg the
Advam:esoolsla:nling,
entitled to cNain Advances Yoa agice :iot to requestn Anvancewhich would causethe e al of
ather charges).to exceedthe Credi1
together mth all other dums owed under lhis Agrcemert (iudmlic s fwance chargesand
m any Rider to this Agreement
I innt. You furhcr agree not tome any such Advances or any pu use expresstvrahibited
which is incorpora(cd m:o ths Agrcermnt
1<.your Credit Lrrnt asfollows
L Accessto Your Account: You may obtair arid t½ect Acivanm fmm µw Account, up
narraal bitsiness
A. Cusli Advance Yotsmay requesta Cash Adiac :u perse:1at designatedbranchesduring
hours;
and have
It Telephone Transfer: You may icquest an /t drance ham us d y<.ahavea depesilaccourt with us
for telephone a le:erhor.e translcr requnt for a specdiedmni 10headvanced under your
beenapproved transfers.by makmg
iclcphone
Account and ceposiled1a arposit accoantthat is manuamedwth :s N o ect to aucss ymr Account by
transferytai rrmstnuintain one or mme cligNc dÆosit acc¤uluswith us lhmughout the term of this Agiccircut, mcludmg
the term of any Fixed RateOption. No separateminimiuuirinu or usyr requirementsfor thosedeposit accountsare
irrposed undc: this Agrecoicut,
your Account, you
C. Overd rafts-Linked Account If yon hme a dumnd depmt am: m. u::h us that is inked lo
your Accotm: an overmaf1of lhal Jinkeddeposil actmu: (1| c Linked Accourt") up 10the amount of year
ntay access Dy
Grctht Limil Only one deposh accum:1:0avbe hnkrl ic yw.a Ancian rar the overdrah oreteciion.
The lin!<;ng ef a deposit Lecourdm wn Ammu"l is oplienal hu: yes u tt; not enjoy any overdrah privileges unicss
you do knk a deposit account to your Account if :he I inked Ac oim! becmricsove:drwn, f mdswdl notoinatically be
transferredto1he 1.inked Accetnt in 2n anotuit st.lficient :c cov a lic cverdraft Ovcid-afis of the Linked Accoutu will be
the
coveredup to the amount of yar ami]ab]c Credit Limii unaher .he oterdal occurslhmugh chaTgesor olher debils to
[ inked Accountcr yout accessingthe Ltrtkcd Acca m . l he penonfs) who semd Ihe Agreemen|as Borroucr(s) must also
be t:ic smic and enly pcison(s) whe :.fe utendf:c:! ;.s ownersaf inc I inketj Accomtt,
D. KeyEqidty Card. (THE KEYEQIln Y CARD IS NOT AVAILA H11 IN NEW Y ORK) You wil! be
issuedand mye 19accepta Ke.yFc:uityUntd clcdr cad All lou:sallons 300 nake mtil inc KeyEq·nty Card wdl be freared
o' the 0 nimc:in ·nd
asal Advanceand postedto your Account as of the :ian
by
F. Etprily IJne Checks. Yom Accuont nny l.e mcm i: h) spc n! Eqmly I.mc ( hecksf"Checks") provided us.
You will icccive theseChecks imprmRd wnh your Accemn number T:ie mnoont ol cach CheckvÆl be treatedas an
Attvance 2,nd;>ostedto your Accoung
1 Promisc 10Pay: You prolmse ta jl:n al: r..ncuus owstmtim on ymn Accoum .ncludtnt; xy feesand chargeswe
impose 1f merethat: one perseri s:gnsth:5 Agrecir.cngyc.uaetec that i.i) uc can cnfe)ce om rights aganst eachof you
Mcool unicmems nonres and c.nt other correspondenceto
individually or agains: all of you togelhe: mia (i: w crm senc
cither of you
d. Security: Yo:.are owmg m 1hefrchi N ×ctot! cud .±crongreed o: m:st seceit .nterm on you Resience o: the
real es·arcloca1edr.( she p 8Wpr( pT LOW 'I .R. in ( Property )
(Andressd differcra than abotcj. Yeti agreem exctme mornwe deedni deedof ousi FSectmty hotnuacn givmg us a
securin micrest in this ical estsic. All Adv·uc.ts as 10Ihe Ordo 1.im 1 whch w are .±Hgatedto make under this
Agreemcrr. Hill he secure:fby the Securi1yinsummnt p a Îe bcm denrilwd in she5ccmity Insimmeni, yotawill
no1perirni, cremeor aHow any other encum>ranceor lien Onthi- teal enur without nor p:mr writion consert We will
cenwdcr any defmul by you under the S:cunty hanomer: a dria Jh Î the nanal chUn:monsunder Mis Apreement You
cculd lose your Pmpcrty if you don twet Iùc obhncttens r your reemen:with us CI).ct propeny acid by us as
collateral secoring other Icans (or.:easthe other pmpe d idem e of ;m) pc un bm me an twnership
mretcCfm thal pinperty) may also secmeynor Acccmu
1 Credit Insurance: Yoo a:c rot requirc(. to ob a:n uedd dem tra ohmimy t.xc1picyr leol. twidi or loss of-
income incumnce (cohecuvely referred to as 'uedn cl½rance ) a conG:on of ch,ammg twar under1his Ag:cement ll
14 o f 33
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 PM
AM INDEX NO. EFCA2023-000296
mDEX NO . EFCA2023 -000296
FILED: LEWIS 08/18/2023 04:09
COUNTY CLERK
NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 11/09/2023
NYSCEF DOC. NO. 1 RECE TVIC NYSCEF : 08/18/2023
KEY EQUITY OPTlONS AGHEEMENT
ve have aircred you cred:f :nsurancc:c d you br.c clecIcd m rerchase jt Irem us, yetiauthorize us to add the costol
insuranceplc riums :c your Acccout cacil monibly bilhnF cycle If yea watt th:s optional inso:a RC vou inusi corr.pletea
separateapplication We nmy allow you le excee:1:h Fredit Limit tempoianly from ti ne to nme 10necommov.aiethese
premiu1namounts ar.d you may he dmnwd a ftc Atitm-cs in excessof your Gedit Limit, hauever, will not he scuired by
the Froperty clesmihedin this Ascenient I ac a:noni of hisusce cove1ageavaDablefu: purcllase mñy not l'e sufhcient lo
insute the enhic inwandum bahu to of your Accoam Credd mscrar:ceis not avai'.ahicin 0 stalesfor cermin typesaf
honic equity loans or liacs of credil
6. Tcrui/Minimum Moothly Payment: thæ Fowl I Itc lensin o! il:c Draw ?enod do'irm whi;h you cc.nobtain
'
Advancesagains:yrmr Account is n nm (m yea·s mit manrh0 Durinp sheDraw Ferod. payrrents aredoc mm1thly
You aneclhat during ihe Waw Nriott you will makepaymentseq:ial m 10clequirectjuüiinium paylacal for both the
Variable Rate Fo.rtionaml .iny F:xed Ra!c Opsimus) P/in muni Momhly Payment") Jn addition to Ihe requned irinimon
payli:citt for both the Variable RMePo;tion and am Fmd R.im Opaon(s), your Minimam Monthly Paymcia will also
include miy pastdue amenÆ .md any ices. cI:Ics x credit insmance pieinmms The Mmmunti Monthly Payinent nay
nol fal y repr.y the principal outsniuding on your Accourn
You arc required 10pay us immedi:ilely a5 amouris ecccding year Credit ¤mit. The amountof your payinent may change
becauseIke Aurnial FerccorageRa:c EAPR is varkb|c on int Variable RatePoition Vuu pronthe to pay us the unpaid
balanceof Advancesp:us the Fmam ChaIges, mileniale.dat the daHy periodic rale, imd any additmnal chargespermitted by
titis Agreement. Rate .rtformatien will be provided er. the monituy statemeritsdiat we sem!you
A. Variabic Nite rtwtion: Rgittiral hlinliamie Payniçnt f:el onc of the JolleMng..payitci.it.optt itt)
I .(liletest Qnly An anamn equal to accrued1mam.c.Charges
Enidar Pays.nmit An amoum epot to the greale of (r0 ]&l0th of the unpardba!anceof Acvancesphis
acclued imance Clsuges or W U00 00. ind aU previously bined but unpaid inintmtint
paymentsto vour Accom·L Tiaarmesof lessLhanS10000 must he aid in fu|].
B. Fixed mite Optioni: You agreeto apny any Fixed 1612Opnor ( 0piiod ) in consecutive,snast:mlia;ly equal nionthly
paymen1sat r_heniierest ra'c, for the ierrr, and with suchothei mutidoa3 asmecd upon at the time you exercisc the
Option. Tl:c ntottitly raymc-tt dtic on 9m Optmn wiH be ·m amourit of prii end and mterestsidhe ent to amoritze the
Option over the tcIrn Jdec:cd by you m the imm 1heOpwr: is mercised This paymentwill be m addinon to and coinbined
with the required miniirtin paymentdue h;: you. Vauable Rate Porton asdescribedm the Agreement Disclosure of the
ml'
requned mbdmun payment Jue en the Op,ion be bad en an csom:ned:Isimrdement date
if at the time that the Variab:c RateW ruon of yeia Au oum matures300 mill onc money tmder tlie terms of any Option(s),
you shal cot.tini:e to niake paymentson such Op:cmsl according in the terms and conditions of..he Option confinnation
Apeenient
noticc(s) (which arc incorpor::.ed inta tins Agicemct F3 rercien c) and accordmg 10this
7. Term/Minirunni Alonthly Poyment: Ropayo,cmPeno . 7 c RepaymentPcried begmsfl't irst day aher the Draw
able to obtain
Period ends and ccntiruts for Etren () yeas (180 ar-naths) Ahec the 1)raw Periodends.you wi!1 not be
morc Advancesor exc:cm any Opt.ons and wi mi: hapa M epm the esitstandingb;dmteeon3out Variable Rate.
any
Portion by ur,1kirs;cor.sect.tiventoutbly p.ipaiis 3 amg the Ucraynan: Period. paymemsW:¡lbe tlue monllily. Your
and each3ear
month:v payntentfor the ¼anableRa:c Pomon u til N con pmer:, asme henianirm of the RepayinentPeriod
baance. totlethct with 1inance
theicaftcI, to yield the mm tbly papnen: amcom netesv ir h:'!y amortue the ot$tandme
wiU t>ca minbrm:n paymes of 5100 for the Variable
Charges,ovci le realaming.(c-i i at the ;hw conent AFR There
if
RatePortion during the RepaynwnIUcliad ami d ww n icipal calance!s lesslhan 5100. the rat mrount will be due
for thai
the accruedFi lance Charms for W given bTme ;rod a the Vanahk kne Po:0on excecr ibe monthly paymen:
'the
sarr.cbilhng per:otl, yoni monthh rayment wJEhe equm!o the serued I manceChargesfor that bitkng period
Minaeum Monthly Pmmcm dae en 3our Accoun. dmnst !. e R-:pminent Pered n ill inclade ary monthly paymentdue on
mur Vanable RatePart1on.any c.onthh p;iyrae us da en mto Crnow ;my pat due ammmis,any (cescharged toyour
Account aml an) cred.1irtwrmRe preronim
8. Variable Hate Portion. Prime kate Inder: vn.i w pa3 a } irance Chargeon a;i Advimces:rom Eltcdalc cach
Advanceis nucle until we recewc payu:en: m full he 1ionnce Chmne is (mured se nuateE for hoth the Vanable RMe
lNrlion and any Fixed RateOnlin)×) 1he fudes i:sedb3 us ic1rteternnuethe I m:uice Chargefor (3c Vmiable Rate Portion
Ram labic (' irdcC The (ndex 0; published in each
is the "Prime Rate aspthbhcd is the Wa:1Firsti fox-nal 'Merc)
the
editicn of the W:úl Slicet Jeanel Wheit wre than -.nicPrimc Raic is pubbshedm any emton, the Index will be
highest of the Pnme R1icsset forth- 'f he Inme R:nc wq a p:mur mdes and is r.ot nestssady the]mvest rageclerged by
lades which is also
us or any otl:el lender. if the IMc× beconicatmwaiiaMe in whatoe rea.son,w< ml] cheeseanother
armbble and venhable by yt-u :md width B be ond em cortrel We w:¡l not:.tyyou of 'he subsutateof Ieplacement
readily
hider We clay also chary;c the inagpr tf the [ndn bcmmes m plab1c The selecton of 2,nyreplacement Index and
margin will oe done tr comphancemth apphcatle I:m
you exercisethe
9. Ulml Rate Option. Fannie M. e Indes: Yco mm py a ! non c c inage on the Op:ion from the dme
equal to
Option und1we reecivepaymemm Infl The ow× omi Iy us in driermme the FmanceLharge for the Optients) is
1ora0 year fixed mate
Fannic Mac's reqmred nel yield as of the busmen day prmr ic ilic daic that you exHÎc the Opio
nwrigages coveredhv applicable W- lay mandatory dclacry co1r.mrnwnis.n pubbshedm TheWal. Street Journal "Money
Rates" table (TRO
]ndcO the FFO laccx is pubbshedm cach ednian of the Waji S1:cciTrourad If the FRO index
butex which
becomesunavailabic for whateverimson poor w the da e you ocrcise an 0pnoo, m wdi eBow anmher FRO
the.sch9imlc or
s aIsu readily avaihible and verihable by you ami uUn b is beyondsm contml We wi.1 notify yea al
Page/
O
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO.
INDEX NO. EEFCA2023-000296
FCA2 O23 - 000296
FILED: LEWIS COUNTY CLERK 08/18/2023 04:09 PM
NYSCEF
NYSCFT DOC.
DOC. NO.
NC. 231 RECEIVED NYSCEF
RECEIVED NYSCEF:
: 0811/09/2023
/ l 8/202 3
KEY EQU lY OPTIONS AGRFEMENT
replaccincn| LRO ledex We niay alm chalme 1ht in:u pn(s) dm losedbelow if Ihe FRO htdes hecamesunavaihible The
scicci,on of any npluament f·RO Indea nt.:1Marpm) will t1cdone in comphance whh applicabic lau
10. MnDnimi Annual Percentage Rate: Your ninimum APR is I S 0% which n:a Daily Perindic Rate of 049315%
(.0.19|0% in a leap pm) Ymu APR may c|mrge in :nn :mioum on any Charme Date nat to evcccdIhe ruaxinium APR
IL Vari:ible Aninct1Per ceritage Rale: \ orivoic Nate /viw. Yoni Accc.mt has a varwA mic Feahire Ilie APR and
the minimum p::yment cm' chany; :6 a :csch The APR is.basecori the v:ib:c af the index flndcC) desciibedabove. o
dcIcunine the APR IL.u a,yhes in mm Arcen v c 3 ; dd W m:hiract a Marg n of 0 . { i % to thevalue of the fmlex.
The APR den nal incInde cous oRer 1tan h::c est The APR on your Account m.0 ch:nlac aily. 11!helades increasesin
vahsc(assuim:ig the sameoYtumlirm baMace).the APR roul n nin:om paymert wd also mercase. If the Index decreases
in value (mu:nmg the s:inic calstarid ng klarce) i'ic APR and nUn;toum p lynient inay decrease,but the minintinii
payinent du:ing il.c Dntu Perial wi a w s be xt 1ms;the m-med &nance Chn;ges. if yno chosethe mterestonly payment
the
opuort or tlic !esser0. I WOor the euNandum balace if ye t chest Cic prmcipil plus inlerest paynier.toption. Duifug
0cpaymna Pniod, be rmmumm pa mcut w1 a:w:ø be a: czst the ;esserof S100 or lim out±taruhagbalance if the Daily
Periodic Rale increases.a lcsser po: en of renr nu:.u:unn pay:uentmay be applied to pr:ncipal and a grealerportion will be
app ied to FinanceClu:rge. F1:cAPR ancs not lake nIn peccuntyour optionn: Linked Accata i.
Datc'
The date on wh;ch yor APR umld chante is cWec "Change .
12. Dinance Charge: VmÎMe Rate Wrtum We fgure tc d:oly hnarice Charge on your Account by nnultiplying the
FirranceChmes togelhcr to get 1he
Daily Dalmec by the D:dly Periodic Ba:c tme in eficc Then we ada a0 ofthe daily
total PecntedFinance Charge for the bhlum c×Ie i he inih R1lan c is ripued lbs way: oc tailaceof |3e oedh ha|ante ) We determine a d:ah penndic r:ite by dividing the "Anniial
Rme" the nm:iber ef days u: a year (N or M) Ycm periodic rates m.jy vary
Portentage by
The Fù1anceCharge does::m mciude cost' e;ber tian mterest I he Finance Chargedoesnot take into account
vour optic.nalLankedAccoung P:n niert in full of a new bal.·rte by the due dnic win not avoid the assessmentof Finance
Chargesan the ba ancesfiem the d:at shouu aii )our n ungbb shutmem thmogh the dale paid lhnance ChargesMcginto
accrueasef the eFeuin dme of the AdvanS ar charge f hric is no grace penod
11 Initial Discimur c: ½rkhic ELstePm i n.
f his box is checked, the APR asof 01í 11/ o6 is 7 i 4 % which is a Daily Periodic Rate of
0. o i w6164 % This raic may chms;e dany
The initial APR is basedon Ihe hulex and es:Fn med Im later rate ad|nstments.
A. Promotinnal Rate Discount
.1 11this box is checked. the initi.il APN is of . nItich Jeh0]l5m h DWly PChothCRateof
' his injunt A PR is basednu rhe index t| phts Fi minus r.
p/_a % Tl:c iratn. AP R n di3corne·d
atargin of r./a % The init at mdex pW nanns.: :nar u. udt ic:nain ;n cffect through
n Afici the dZcomurd pe ed. t heAPR that will apply is the Index then it effect phis
minus a nntgin of n/9 % which. :,3ef u . is n! n /c APR and a Daily Per:odic Rmeof
n ja
The winal APR is not basedon J:c acirgin :1ed fai hier nuc ad;osurents,
.. h thu ScGis checked von rour .1f ec 'O a r a mimnmm minial advance of ma al the tinte the Account
is openediri crder to obtain Ihe prer10'mn.0 nee dtscount We icscive the ri;;lu 10apply the irtitial,
non disconnad ratt. m Ibr k nion it the equired minimum inhial advance is not aken
If thh box is checked you mcu have, or an cc h. epen, n deposit account with es in crder to obtahi the
pumouoaa iate liscoun We trxne x wln lo apnh iht inmat non-discouuled ote la ght Account if you do
not have de lequacd depos:: rco al
N. Nature of a Find Rate Option: Dun ¦c ; aw Per:c(Lyou mm usc ite Rxed 1011c Opton to convert an1ountsyou
cWemidc: (he W ria h Rme PT n Vr.u. Accol )I | on: :. wir mbic le a lived rate of imeTest An Option will havea fixed
mtcrest rateand spec:het rerm. and :dinws oa to I a Fccil ed amoun: n Eubstantutilycqual consecutivemon1hiv
paymenis:h11w;il be u adatio .nd como acd wh@any mminum p:wment en your Variabic RarePonion. An 0plica
may b: for any amoua. tmwcen 5M00 and A me ru cJ c ocdit renmir.ing on the V niable Eme Portion of vour
Account. If there 1san Uphnu onisruding wnc /mc.unt a at consiu of a Wnable Rale Portion (reflect:ng thc AdvanccN
m;ainstthe Lrnej mul an Option pm hp (ra xcüng be Ath anecgs) agamst the I inc whah you h:ne c ectedto sepayal a
haed rate overa specified |èrn ) Your mouthN s|:remt ni u II sellect be h parlons o; ycr Account You inay chcosea
icrm belo cer i2 and 180 mco hs ?h tcre. of the h non mn t stcnd heyondthe n atrey of II'e Variabic Rale Portiori of
cur Account
I0 ef 3
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 PM
AM INDEXNONO.
1NDEX
EFCA2023-000296
. FlFCA2 02 4 - OC O2 96
FILED: LEWIS COUNTY CLERK 08/18/2023 04:09
NYSCEF DOC.
DOC.
NO.
NO.
23 RECEIVED NYSCEF:
RECE J.VED NYSGF : 08 11/09/2023
/ 1 8 / 2 02 3
NYSCEF 1
KEY EQUlTY OPTIONS AGREEMENT
11 Condi0ons for Exerdslug a Fixed R:nt Optii,n: You :nay exercisean Opüon if a) you are m the Draw Pero± b) on
defauh exisis under the terms of the Agreement c);here arc not more than three Fixed RateOptions cutstanding af:cI yaa
exercisc the Option O ym @uveno m rened irme I lan two Options within the prev·cus.½5 day period, and e) you sign
imy rcqan: forms O it is be wcc:nd by n to on0im your dectsica to exercisethe Option In no case m:·y you exceed
your Derli: I mil bs wr in the Opoon
M. Exercising the Fixed R;de Oplime To exercisc19eFixed RateOptior. call ]-800-KliY2YOU at such times ar
locaüons as we tell yim
17. Finance ( hargc: Fswi Rate Opnom The Er.ance Fierµc on shePhcd Rate Option Poctionof vour Account :s made
up 3the st:m of two compe.itm m lo1!om A. I k hrst co.nponentn rakilated by multiplying tre Daily Dahince100
cach day by lac Dai v f cod·c RmeIhen n etTect. (The Daily Peiicdic iate is detcrm ned by taking the FRO hidex:n
elfect, addhig Ge appIopme Margin as decibed below, and dividing by the r.umbe: 0013y5in dic)car pri5 ar 36r4)
Ihen we and all of tiv i1aily Unianx Ch:ugesiogether to ge: shetotal accnied FinanceChargefor the statemeatcycle It
The SecondconFcneni is the Find Ra:c Opimn Fa. nacther foial:cci or sepaiatelypaid. (FmanceChuge - Ai13 ilw
}tily Enhince .s üymd th.s way ue IAe 1hebeginning prinapal tm!ance(wh-ch excludesonipa.dFimince C aries [excep1
for mty fatancx N:·.t:6Raic Opwr fccC m:d certa:u olter charges,if any The principn. balanceircludes the amoun: of the
Cpdon and anv o1berilm'hm are finc.nced.s schas the FmedIiate Oplica fee. if any Ncs: we subuad any paymen.5ant
cred:1speald to .he Accrmf s Wnac.palhumce (eachof which is postedas ef the eficc.ive date af the trmnaction) 1his
gives us yout Daily ThiLea
18. initial Disclosilre: M.wd Hae Oph Io Ihe FEO jndex salue we will add a Margin of ypo % for Options
between12and o0 mom@ son % for Op·ions of now than 60 nmnIbs 10120 inanths aad 1. 650 % for Options
of more thar t20 arid 18t; nontV As of n L/_U.Var. , Ike Daily Periodic Hate for an Option of t2 to 00 raonihs is
C .018 i 9778 % This is an APR ol 6 64a % As of J1/Jyf06 . the Daily Periodic Rate lon an
Option of more thmi 60 le !20 months :r U 01e67671 % This n an APR of 6.890 %. As of
pl/in/qs . the Daily Perindic Rate for an Option of mole Iban 120 in 180 months is_0.02093 L51 % This is
an APR of / 64 ; % Ouarsof ine Paidht!der's discoverv of such less or the:t, (ii) has exercised
icascH le eve in sarcJp,ardingMe Card from risk of Inssor theft, and (Ui)|:as not reportedtwo or merc .nc:dentsof
imauthorized me in the irmrcoutely p:eceting twc;ve-inonih period, and (b) the Cantholders accomil no whic.t hnd
rse" incans est of fhis CarG ·)per.san.olact
iransaclians arepmied is iii goeti 3|anding Under this ni;e. ".inautheiized by
than the Caldhwde:. whe doesnc1have acmal. in:plied. or apparen: authority for such ·ue, and f.-amwhich the ranthoider
receives30 hecef:1 I bs cle doesnot <1pplyto a Card issued(i) ra an entity 001ct than a na:ural persoa,(n) primmily for
twiness. commerciat oi up:cujimal purposes,or (ii0 ca:side the U S.A
C. You agreenot to amen agams| us ally clmms or defensesye,u:nay haveaganist any personwho hanms C12KeyEquity
Cod Much anseon : n orreceived dupme asic Propert3or servicesren:cd or pmbased wjth Ihe KeyEquity Card in any
ctedit card trir.stici:00 (as Mal tern1is :120"iedH.Fm.cni; ReserveBoaid Replation Z), unlessa'.)of:he fo:kming
cond s me owt (1.1tic them s nol 2 10:1cla A (2) ycn havemadea .Âondimth atte:npt to resolveme dispute with the
poisenwho hottoredihe KevEam,y Crd. (3) ilic amount af the c:cdit c×tendedto obtain shepropeny w semces that
gesultedm d.c clahn or defenseexceeds$½ C'J,an:1(4) the pmchaseor rental tranS1cDoncccurred i'i 1hesanic state35your
cmrenl demµ1airdmmlin;: aun:c55or. Jnot wM1in the s;unestate, witllio one h0ndred notesof tlun awhèss You heieby
agrec uansaci.onsmade by [cirpl,ore aseof a Keyf.q,ury Card will be deemedto haveoccurredal the merchanis sales
location ra1hcrthan at your mailne addicts or the locaticutof the telephoneasedto make "he phonecaU You furtt ci agiec
r.o, to asse-tagainst us any cda:n baseden anyo,1es tefusal to honor :he KeyEquity CHd.
naismi;ot
]), We me not respouble d n merchanh 'mother bank or a Teratinal refusesto honor the KeyEquity Card or
on
Such tclusl! 1ray also be due In our inibdity on anw.;lingness to authorize the transaction for any rMann The lInits
wr.ount ana frequmF of iransact ons that we raay authorize may be changedbv us, and we may miposeother condidans
aut½orimlion for any
kom Ume .0 ti:ne 10: sc urdy :cmons to protect ard benefhyou We wd! not be responsible:f
so' lo asser1 claim agamstus basedon any sudi refusal to bonor the NeVU]Uity
rareal rim is ect pen. a a yea n.ree ai.y
of the
ad Yo¤ KeyEi.mh L.md will expire t;pan it.c earber of the expuation date specified on said Card t r cydrahut
cr..w pened tor av.ntith: utdit inider the A3Rcircat
of or
E. Usecl tfic KeyFqimy Cmd is 8 ibject to 30 proceduresestablishedby us, or by a parUcipating mch nint bank.
to
owner ur epen1mrof a 1cruiral u;1.:ú bonors the KeyEc,ury Card. We havethe dght, m our to;c di:,ccclica. denyany
worm wh.ch wm:1dresd: m an omstandmgprincipl balancein excessof the Credit i.mu: You agret 1hati ny
Acyf.quirv Gud(s) issuedicmam w Propcity and shr,ll be destroyedby vnu. or rnay be reiricted by usor om agent upon
t nectalm, o1De Arnetracnt or cancellation of credi: avairabicon the Account.
emunal wdl bean
F. Each ciedn ester.om a ade m connecjon wth any trarsacuati at a nierchant cr cashadvanceat a
AAnnce to:ici Ibc Acm na and wil be Jenayableby all wha havesigned or athenvisc mpted to this Apecmcm asa
ac
haiow Yoa .md eash drer borrower ut'I he oindy and seve:a0y liable regar:l)csSof bow nmy KeyEquity And(s)
th auual
issued:imi legard.c½ t·f m'ed er THappianb1eceive KeyEqu.iy Cards ;f anyoneuscsyoin KeyEÈmy Card
appment ni unphy aurhmhy. or 3oc benent fmm the useof the KeyEquity Card, you wi3 beliable for ab Advaates
creuded (c m for ihe bencht 01thai pegson. o' 0ic
G We Rsen e 1heQhr frmr Un e !o inre anctwilhout notice:a you. fo linlit. resthct, term;nate etherwne nRxhly
U:ud am le Soa. Aeseuri as ocll asthe tenus aml conditions in INs Agreement evarmne such accesEas
Key:many
Ihoseo:he; n.cthodsand
Jmicas u a tow y n ic t mainic to have the imhl to obtain cashadvanceson yetir Accounl in
p'cc;dures f r ther oesenbedin Agreement and to the emm pergr4nedby applicab1clan
wrilleri r.onceat the
30. C.iocclladon: Ycu may clue 3ou Account as:o futuie t:ansac'inns at any tirne by mvum us
ad:lrcscphmed en p:irc our ol Ihb 4peement ;f we issue)ou a KeyFqitity Card or Checksto aseto obtani Advaricci-.you
the Cardw Checkswnh yom pennisaum (1
aw in be Imt,le ;ei all Advancesectrined by any personwho uses KeyEqitity reinrn the KeyFquiry Card
wem mmm yem Acrwn or we dow 3olu Auouu. you musi cut up your KeyEquily Card imit
Agrtemal su forth above
and Checks'0 us We in:n c.ariccivour Accoint plirsuant :o the terius and conditions of the
poor m .uch closing or
The :!os im m crir..et:atioit of )r or Account for wb'nirvtu reasonwill act affect your obhgadens
p;dd in
tanceBataco 'I he wons of the Apecinent shad continue to apply to gheoutstandiny,balar.cean your Account un il
Uceof L Ac. m.nt :ifter
folt enept :h: t the Repavir.·m Prom1ud: temmcocc at the time of closme or cancellaiRm
temo.xinon w act a of . à:.cclhiicn 6 fmadulect arid ou friay be subjectto lega) procer::mps
Page6
. .
19 o f 33
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
FILED: LEWIS COUNTY CLERK 08/18/2023 04:09 PM
NYSCEF
NYE CF FDOC.
T.C. NO.
N 23
1 RECEIVED
FECE NYSCEF:
V D NY SCE F : C B11/09/2023
i R 2O
KEY EQUITY OPTIONS AGREEMENT
31. Tas Deiluclibility: Wm should consuh a (a ahsm regardom 15cdeduc ibialy of irderest and chargesunder the
Account
n Disclosure of Account Information: We may slunc infmmation ulthin the KeyCorp family of tompan.ca in well as
ch en:dnliated third panics extemal to Key as dc3cribedm cur Phvacy Policy You specifica)h conse.ntto us.9harbit'
nforrnniron wighin the Key Corp tamily of conipanies and whh external imalfiliated third par1ies. You may eled to
up: our of hdonnation shanng as desmbcd m our invacy Policy. 11you clect lo opt coi, that clection will ovennic Qis
.omcur lo share, exceptf or thosemstancesin which we areetherwise permitted to sharc by he wilhout your connL
33, Resiew of Credit Line: You agree ro provide us with updatedunanual information inchiding hni not limiled in
persor.alfinancmi stalenlents, upon icycest. This requirementconstitutesa material obligation imdcr this Agreement.
Faihtre re prodde any sucit requestedupdatedfinancial mfoimmion lo us within thirty (101Jays of1he rerpreslshall
constiltnc a default under this Agiecment You agjec10 infor ni us in urithm of any matenal change in your financial
signati:>r,ar any changeof vour bome or mading address,or if you changeyour name, within thiny (3f)) daysaller ach
.hange You igtec we may. from lime to time, obtain an updatedcredit report on yoa withool first nodfying you cr
abrainirig yom consent
30 Stop Payrnent Procedures: At yo1ir tisk ami written request,we wiU, without respcusiNht) en otn part so lar as we
uny hmin)1v limit out liability, accepta stop paymenton your Acconni An ora) stop payuent coderis binding foi only
louriccn (10) daystirdss conjilmed in wribng witilin th;tt per od. No revocationof the :cquest to stop paymentshaUhe
whd unlessdelivered to us in writing. In order to placea written stop payment request.you must inform us oflhe exai:1
annum ef the ilcr:t, the number of the check, the dole of the check, your Account number, and mayother infoimation
re:ruested A step payment requestis eDectivcfor enly six (6) months, unlessyou renewit We are not liab.e for paymeril
of a c@cd es if a 3tup payment tequesthas expired and not beenrenewed, if you havenot gnen us sufficical information cr
d your sicp payment-equestcomesma late tor us to act on it We are elititled to a reasonableperiod of lime a'ter we
receiveyour stop papnent imest M nolify our employeesand takeother action neededfo stop payment You agreethat
wnc"
icasonable dependson the circumslancesimi that ne wdl haveactedwalkin a reasonablehme C we rtlakeyom stop
Preview
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 11/09/2023 EXHIBIT B FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEXNONO. TNDEX EFCA2023-000296 . EFCA2 O2 00C 2 96 FILED: LEWIS COUNTY CLERK 08/18/2023 04 : 09 PM NYSCEF NYSCEP DOC. DCC .NO. NO. 231 RECEIVED RECE NYSCEF: T VED NYSCEF : C 811/09/2023 /1 8 / 2 02 3 KEY EQUITY OPTIONS AGREEMENT yR111k .c d n ran Keythak ½nal:al Association Meaning of Wortis: :n this Agreement N woms"k ''yor." -md ' yoic 4910 Ts (nicquar Read, rul t e G Ecoc yn. 44 I li T:ic wards FKemanP) meanjnmily and m.:ral.y r ony in nErrrm 6509 R.tVER ST IAMV1LLi N 1 .m woul"A;p«mcot' nwans tim Key Eqmtv Options Agreement (Borrowet(s) Names) anti ResidçrRc) anti the oferedit acottnt (the Terms at Agreemenit: 'This Agreemein gowne. tlic useol vous Iv:y EmistyOpnoes |inc tui chd. sevoMuc hne of atdii ullh m (100"Vahabl( Rate Portion "Accomif) With tis h descr4cs your wujahic rac, :mano t vour kne O me") of c3cdital a 0xed and 16eF1xat it:ite Option by whit.h you mcy elecl w sepaycellain advances in1crestrate for a tenn specif.c21 L KEY EQUITY OPTIONS ACHEENENT 1- Credit I.irnit: Ali approved Liae of S h0, 5 at . c ndtl ; nirt a catabhhed for your Key Equity Option (¯ aint Iben obtair: adcitiofial Advances, Accoimt Dtnirm the drau pened, you mas obtain advances Ah:ntee") rcW·ay 1.nnit mH tw redticed by Advances provided such Adwmcts would no( caust pur Crecli: Limii ic be cuccJed Yem twchi your Arronnt nad shemnount of Fixed Rat 0ptnu utocli you electto lake. 0miwthe draw laken mpngst by any princÈal Edain et the Vaiiable RatePo3tionon ny Fhed Rme period, any amounts) you icpay againsi ticon!standirm repayme:itperic® yoli will no longer be Option will increaseflic anotmt ofcredit available lo you accordmply. DuImg the Advam:esoolsla:nling, entitled to cNain Advances Yoa agice :iot to requestn Anvancewhich would causethe e al of ather charges).to exceedthe Credi1 together mth all other dums owed under lhis Agrcemert (iudmlic s fwance chargesand m any Rider to this Agreement I innt. You furhcr agree not tome any such Advances or any pu use expresstvrahibited which is incorpora(cd m:o ths Agrcermnt 1<.your Credit Lrrnt asfollows L Accessto Your Account: You may obtair arid t½ect Acivanm fmm µw Account, up narraal bitsiness A. Cusli Advance Yotsmay requesta Cash Adiac :u perse:1at designatedbranchesduring hours; and have It Telephone Transfer: You may icquest an /t drance ham us d y<.ahavea depesilaccourt with us for telephone a le:erhor.e translcr requnt for a specdiedmni 10headvanced under your beenapproved transfers.by makmg iclcphone Account and ceposiled1a arposit accoantthat is manuamedwth :s N o ect to aucss ymr Account by transferytai rrmstnuintain one or mme cligNc dÆosit acc¤uluswith us lhmughout the term of this Agiccircut, mcludmg the term of any Fixed RateOption. No separateminimiuuirinu or usyr requirementsfor thosedeposit accountsare irrposed undc: this Agrecoicut, your Account, you C. Overd rafts-Linked Account If yon hme a dumnd depmt am: m. u::h us that is inked lo your Accotm: an overmaf1of lhal Jinkeddeposil actmu: (1| c Linked Accourt") up 10the amount of year ntay access Dy Grctht Limil Only one deposh accum:1:0avbe hnkrl ic yw.a Ancian rar the overdrah oreteciion. The lin!<;ng ef a deposit Lecourdm wn Ammu"l is oplienal hu: yes u tt; not enjoy any overdrah privileges unicss you do knk a deposit account to your Account if :he I inked Ac oim! becmricsove:drwn, f mdswdl notoinatically be transferredto1he 1.inked Accetnt in 2n anotuit st.lficient :c cov a lic cverdraft Ovcid-afis of the Linked Accoutu will be the coveredup to the amount of yar ami]ab]c Credit Limii unaher .he oterdal occurslhmugh chaTgesor olher debils to [ inked Accountcr yout accessingthe Ltrtkcd Acca m . l he penonfs) who semd Ihe Agreemen|as Borroucr(s) must also be t:ic smic and enly pcison(s) whe :.fe utendf:c:! ;.s ownersaf inc I inketj Accomtt, D. KeyEqidty Card. (THE KEYEQIln Y CARD IS NOT AVAILA H11 IN NEW Y ORK) You wil! be issuedand mye 19accepta Ke.yFc:uityUntd clcdr cad All lou:sallons 300 nake mtil inc KeyEq·nty Card wdl be freared o' the 0 nimc:in ·nd asal Advanceand postedto your Account as of the :ian by F. Etprily IJne Checks. Yom Accuont nny l.e mcm i: h) spc n! Eqmly I.mc ( hecksf"Checks") provided us. You will icccive theseChecks imprmRd wnh your Accemn number T:ie mnoont ol cach CheckvÆl be treatedas an Attvance 2,nd;>ostedto your Accoung 1 Promisc 10Pay: You prolmse ta jl:n al: r..ncuus owstmtim on ymn Accoum .ncludtnt; xy feesand chargeswe impose 1f merethat: one perseri s:gnsth:5 Agrecir.cngyc.uaetec that i.i) uc can cnfe)ce om rights aganst eachof you Mcool unicmems nonres and c.nt other correspondenceto individually or agains: all of you togelhe: mia (i: w crm senc cither of you d. Security: Yo:.are owmg m 1hefrchi N ×ctot! cud .±crongreed o: m:st seceit .nterm on you Resience o: the real es·arcloca1edr.( she p 8Wpr( pT LOW 'I .R. in ( Property ) (Andressd differcra than abotcj. Yeti agreem exctme mornwe deedni deedof ousi FSectmty hotnuacn givmg us a securin micrest in this ical estsic. All Adv·uc.ts as 10Ihe Ordo 1.im 1 whch w are .±Hgatedto make under this Agreemcrr. Hill he secure:fby the Securi1yinsummnt p a Îe bcm denrilwd in she5ccmity Insimmeni, yotawill no1perirni, cremeor aHow any other encum>ranceor lien Onthi- teal enur without nor p:mr writion consert We will cenwdcr any defmul by you under the S:cunty hanomer: a dria Jh Î the nanal chUn:monsunder Mis Apreement You cculd lose your Pmpcrty if you don twet Iùc obhncttens r your reemen:with us CI).ct propeny acid by us as collateral secoring other Icans (or.:easthe other pmpe d idem e of ;m) pc un bm me an twnership mretcCfm thal pinperty) may also secmeynor Acccmu 1 Credit Insurance: Yoo a:c rot requirc(. to ob a:n uedd dem tra ohmimy t.xc1picyr leol. twidi or loss of- income incumnce (cohecuvely referred to as 'uedn cl½rance ) a conG:on of ch,ammg twar under1his Ag:cement ll 14 o f 33 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 PM AM INDEX NO. EFCA2023-000296 mDEX NO . EFCA2023 -000296 FILED: LEWIS 08/18/2023 04:09 COUNTY CLERK NYSCEF DOC. NO. 23 RECEIVED NYSCEF: 11/09/2023 NYSCEF DOC. NO. 1 RECE TVIC NYSCEF : 08/18/2023 KEY EQUITY OPTlONS AGHEEMENT ve have aircred you cred:f :nsurancc:c d you br.c clecIcd m rerchase jt Irem us, yetiauthorize us to add the costol insuranceplc riums :c your Acccout cacil monibly bilhnF cycle If yea watt th:s optional inso:a RC vou inusi corr.pletea separateapplication We nmy allow you le excee:1:h Fredit Limit tempoianly from ti ne to nme 10necommov.aiethese premiu1namounts ar.d you may he dmnwd a ftc Atitm-cs in excessof your Gedit Limit, hauever, will not he scuired by the Froperty clesmihedin this Ascenient I ac a:noni of hisusce cove1ageavaDablefu: purcllase mñy not l'e sufhcient lo insute the enhic inwandum bahu to of your Accoam Credd mscrar:ceis not avai'.ahicin 0 stalesfor cermin typesaf honic equity loans or liacs of credil 6. Tcrui/Minimum Moothly Payment: thæ Fowl I Itc lensin o! il:c Draw ?enod do'irm whi;h you cc.nobtain ' Advancesagains:yrmr Account is n nm (m yea·s mit manrh0 Durinp sheDraw Ferod. payrrents aredoc mm1thly You aneclhat during ihe Waw Nriott you will makepaymentseq:ial m 10clequirectjuüiinium paylacal for both the Variable Rate Fo.rtionaml .iny F:xed Ra!c Opsimus) P/in muni Momhly Payment") Jn addition to Ihe requned irinimon payli:citt for both the Variable RMePo;tion and am Fmd R.im Opaon(s), your Minimam Monthly Paymcia will also include miy pastdue amenÆ .md any ices. cI:Ics x credit insmance pieinmms The Mmmunti Monthly Payinent nay nol fal y repr.y the principal outsniuding on your Accourn You arc required 10pay us immedi:ilely a5 amouris ecccding year Credit ¤mit. The amountof your payinent may change becauseIke Aurnial FerccorageRa:c EAPR is varkb|c on int Variable RatePoition Vuu pronthe to pay us the unpaid balanceof Advancesp:us the Fmam ChaIges, mileniale.dat the daHy periodic rale, imd any additmnal chargespermitted by titis Agreement. Rate .rtformatien will be provided er. the monituy statemeritsdiat we sem!you A. Variabic Nite rtwtion: Rgittiral hlinliamie Payniçnt f:el onc of the JolleMng..payitci.it.optt itt) I .(liletest Qnly An anamn equal to accrued1mam.c.Charges Enidar Pays.nmit An amoum epot to the greale of (r0 ]&l0th of the unpardba!anceof Acvancesphis acclued imance Clsuges or W U00 00. ind aU previously bined but unpaid inintmtint paymentsto vour Accom·L Tiaarmesof lessLhanS10000 must he aid in fu|]. B. Fixed mite Optioni: You agreeto apny any Fixed 1612Opnor ( 0piiod ) in consecutive,snast:mlia;ly equal nionthly paymen1sat r_heniierest ra'c, for the ierrr, and with suchothei mutidoa3 asmecd upon at the time you exercisc the Option. Tl:c ntottitly raymc-tt dtic on 9m Optmn wiH be ·m amourit of prii end and mterestsidhe ent to amoritze the Option over the tcIrn Jdec:cd by you m the imm 1heOpwr: is mercised This paymentwill be m addinon to and coinbined with the required miniirtin paymentdue h;: you. Vauable Rate Porton asdescribedm the Agreement Disclosure of the ml' requned mbdmun payment Jue en the Op,ion be bad en an csom:ned:Isimrdement date if at the time that the Variab:c RateW ruon of yeia Au oum matures300 mill onc money tmder tlie terms of any Option(s), you shal cot.tini:e to niake paymentson such Op:cmsl according in the terms and conditions of..he Option confinnation Apeenient noticc(s) (which arc incorpor::.ed inta tins Agicemct F3 rercien c) and accordmg 10this 7. Term/Minirunni Alonthly Poyment: Ropayo,cmPeno . 7 c RepaymentPcried begmsfl't irst day aher the Draw able to obtain Period ends and ccntiruts for Etren () yeas (180 ar-naths) Ahec the 1)raw Periodends.you wi!1 not be morc Advancesor exc:cm any Opt.ons and wi mi: hapa M epm the esitstandingb;dmteeon3out Variable Rate. any Portion by ur,1kirs;cor.sect.tiventoutbly p.ipaiis 3 amg the Ucraynan: Period. paymemsW:¡lbe tlue monllily. Your and each3ear month:v payntentfor the ¼anableRa:c Pomon u til N con pmer:, asme henianirm of the RepayinentPeriod baance. totlethct with 1inance theicaftcI, to yield the mm tbly papnen: amcom netesv ir h:'!y amortue the ot$tandme wiU t>ca minbrm:n paymes of 5100 for the Variable Charges,ovci le realaming.(c-i i at the ;hw conent AFR There if RatePortion during the RepaynwnIUcliad ami d ww n icipal calance!s lesslhan 5100. the rat mrount will be due for thai the accruedFi lance Charms for W given bTme ;rod a the Vanahk kne Po:0on excecr ibe monthly paymen: 'the sarr.cbilhng per:otl, yoni monthh rayment wJEhe equm!o the serued I manceChargesfor that bitkng period Minaeum Monthly Pmmcm dae en 3our Accoun. dmnst !. e R-:pminent Pered n ill inclade ary monthly paymentdue on mur Vanable RatePart1on.any c.onthh p;iyrae us da en mto Crnow ;my pat due ammmis,any (cescharged toyour Account aml an) cred.1irtwrmRe preronim 8. Variable Hate Portion. Prime kate Inder: vn.i w pa3 a } irance Chargeon a;i Advimces:rom Eltcdalc cach Advanceis nucle until we recewc payu:en: m full he 1ionnce Chmne is (mured se nuateE for hoth the Vanable RMe lNrlion and any Fixed RateOnlin)×) 1he fudes i:sedb3 us ic1rteternnuethe I m:uice Chargefor (3c Vmiable Rate Portion Ram labic (' irdcC The (ndex 0; published in each is the "Prime Rate aspthbhcd is the Wa:1Firsti fox-nal 'Merc) the editicn of the W:úl Slicet Jeanel Wheit wre than -.nicPrimc Raic is pubbshedm any emton, the Index will be highest of the Pnme R1icsset forth- 'f he Inme R:nc wq a p:mur mdes and is r.ot nestssady the]mvest rageclerged by lades which is also us or any otl:el lender. if the IMc× beconicatmwaiiaMe in whatoe rea.son,w< ml] cheeseanother armbble and venhable by yt-u :md width B be ond em cortrel We w:¡l not:.tyyou of 'he subsutateof Ieplacement readily hider We clay also chary;c the inagpr tf the [ndn bcmmes m plab1c The selecton of 2,nyreplacement Index and margin will oe done tr comphancemth apphcatle I:m you exercisethe 9. Ulml Rate Option. Fannie M. e Indes: Yco mm py a ! non c c inage on the Op:ion from the dme equal to Option und1we reecivepaymemm Infl The ow× omi Iy us in driermme the FmanceLharge for the Optients) is 1ora0 year fixed mate Fannic Mac's reqmred nel yield as of the busmen day prmr ic ilic daic that you exHÎc the Opio nwrigages coveredhv applicable W- lay mandatory dclacry co1r.mrnwnis.n pubbshedm TheWal. Street Journal "Money Rates" table (TRO ]ndcO the FFO laccx is pubbshedm cach ednian of the Waji S1:cciTrourad If the FRO index butex which becomesunavailabic for whateverimson poor w the da e you ocrcise an 0pnoo, m wdi eBow anmher FRO the.sch9imlc or s aIsu readily avaihible and verihable by you ami uUn b is beyondsm contml We wi.1 notify yea al Page/ O FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. INDEX NO. EEFCA2023-000296 FCA2 O23 - 000296 FILED: LEWIS COUNTY CLERK 08/18/2023 04:09 PM NYSCEF NYSCFT DOC. DOC. NO. NC. 231 RECEIVED NYSCEF RECEIVED NYSCEF: : 0811/09/2023 / l 8/202 3 KEY EQU lY OPTIONS AGRFEMENT replaccincn| LRO ledex We niay alm chalme 1ht in:u pn(s) dm losedbelow if Ihe FRO htdes hecamesunavaihible The scicci,on of any npluament f·RO Indea nt.:1Marpm) will t1cdone in comphance whh applicabic lau 10. MnDnimi Annual Percentage Rate: Your ninimum APR is I S 0% which n:a Daily Perindic Rate of 049315% (.0.19|0% in a leap pm) Ymu APR may c|mrge in :nn :mioum on any Charme Date nat to evcccdIhe ruaxinium APR IL Vari:ible Aninct1Per ceritage Rale: \ orivoic Nate /viw. Yoni Accc.mt has a varwA mic Feahire Ilie APR and the minimum p::yment cm' chany; :6 a :csch The APR is.basecori the v:ib:c af the index flndcC) desciibedabove. o dcIcunine the APR IL.u a,yhes in mm Arcen v c 3 ; dd W m:hiract a Marg n of 0 . { i % to thevalue of the fmlex. The APR den nal incInde cous oRer 1tan h::c est The APR on your Account m.0 ch:nlac aily. 11!helades increasesin vahsc(assuim:ig the sameoYtumlirm baMace).the APR roul n nin:om paymert wd also mercase. If the Index decreases in value (mu:nmg the s:inic calstarid ng klarce) i'ic APR and nUn;toum p lynient inay decrease,but the minintinii payinent du:ing il.c Dntu Perial wi a w s be xt 1ms;the m-med &nance Chn;ges. if yno chosethe mterestonly payment the opuort or tlic !esser0. I WOor the euNandum balace if ye t chest Cic prmcipil plus inlerest paynier.toption. Duifug 0cpaymna Pniod, be rmmumm pa mcut w1 a:w:ø be a: czst the ;esserof S100 or lim out±taruhagbalance if the Daily Periodic Rale increases.a lcsser po: en of renr nu:.u:unn pay:uentmay be applied to pr:ncipal and a grealerportion will be app ied to FinanceClu:rge. F1:cAPR ancs not lake nIn peccuntyour optionn: Linked Accata i. Datc' The date on wh;ch yor APR umld chante is cWec "Change . 12. Dinance Charge: VmÎMe Rate Wrtum We fgure tc d:oly hnarice Charge on your Account by nnultiplying the FirranceChmes togelhcr to get 1he Daily Dalmec by the D:dly Periodic Ba:c tme in eficc Then we ada a0 ofthe daily total PecntedFinance Charge for the bhlum c×Ie i he inih R1lan c is ripued lbs way: oc tailaceof |3e oedh ha|ante ) We determine a d:ah penndic r:ite by dividing the "Anniial Rme" the nm:iber ef days u: a year (N or M) Ycm periodic rates m.jy vary Portentage by The Fù1anceCharge does::m mciude cost' e;ber tian mterest I he Finance Chargedoesnot take into account vour optic.nalLankedAccoung P:n niert in full of a new bal.·rte by the due dnic win not avoid the assessmentof Finance Chargesan the ba ancesfiem the d:at shouu aii )our n ungbb shutmem thmogh the dale paid lhnance ChargesMcginto accrueasef the eFeuin dme of the AdvanS ar charge f hric is no grace penod 11 Initial Discimur c: ½rkhic ELstePm i n. f his box is checked, the APR asof 01í 11/ o6 is 7 i 4 % which is a Daily Periodic Rate of 0. o i w6164 % This raic may chms;e dany The initial APR is basedon Ihe hulex and es:Fn med Im later rate ad|nstments. A. Promotinnal Rate Discount .1 11this box is checked. the initi.il APN is of . nItich Jeh0]l5m h DWly PChothCRateof ' his injunt A PR is basednu rhe index t| phts Fi minus r. p/_a % Tl:c iratn. AP R n di3corne·d atargin of r./a % The init at mdex pW nanns.: :nar u. udt ic:nain ;n cffect through n Afici the dZcomurd pe ed. t heAPR that will apply is the Index then it effect phis minus a nntgin of n/9 % which. :,3ef u . is n! n /c APR and a Daily Per:odic Rmeof n ja The winal APR is not basedon J:c acirgin :1ed fai hier nuc ad;osurents, .. h thu ScGis checked von rour .1f ec 'O a r a mimnmm minial advance of ma al the tinte the Account is openediri crder to obtain Ihe prer10'mn.0 nee dtscount We icscive the ri;;lu 10apply the irtitial, non disconnad ratt. m Ibr k nion it the equired minimum inhial advance is not aken If thh box is checked you mcu have, or an cc h. epen, n deposit account with es in crder to obtahi the pumouoaa iate liscoun We trxne x wln lo apnh iht inmat non-discouuled ote la ght Account if you do not have de lequacd depos:: rco al N. Nature of a Find Rate Option: Dun ¦c ; aw Per:c(Lyou mm usc ite Rxed 1011c Opton to convert an1ountsyou cWemidc: (he W ria h Rme PT n Vr.u. Accol )I | on: :. wir mbic le a lived rate of imeTest An Option will havea fixed mtcrest rateand spec:het rerm. and :dinws oa to I a Fccil ed amoun: n Eubstantutilycqual consecutivemon1hiv paymenis:h11w;il be u adatio .nd como acd wh@any mminum p:wment en your Variabic RarePonion. An 0plica may b: for any amoua. tmwcen 5M00 and A me ru cJ c ocdit renmir.ing on the V niable Eme Portion of vour Account. If there 1san Uphnu onisruding wnc /mc.unt a at consiu of a Wnable Rale Portion (reflect:ng thc AdvanccN m;ainstthe Lrnej mul an Option pm hp (ra xcüng be Ath anecgs) agamst the I inc whah you h:ne c ectedto sepayal a haed rate overa specified |èrn ) Your mouthN s|:remt ni u II sellect be h parlons o; ycr Account You inay chcosea icrm belo cer i2 and 180 mco hs ?h tcre. of the h non mn t stcnd heyondthe n atrey of II'e Variabic Rale Portiori of cur Account I0 ef 3 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 PM AM INDEXNONO. 1NDEX EFCA2023-000296 . FlFCA2 02 4 - OC O2 96 FILED: LEWIS COUNTY CLERK 08/18/2023 04:09 NYSCEF DOC. DOC. NO. NO. 23 RECEIVED NYSCEF: RECE J.VED NYSGF : 08 11/09/2023 / 1 8 / 2 02 3 NYSCEF 1 KEY EQUlTY OPTIONS AGREEMENT 11 Condi0ons for Exerdslug a Fixed R:nt Optii,n: You :nay exercisean Opüon if a) you are m the Draw Pero± b) on defauh exisis under the terms of the Agreement c);here arc not more than three Fixed RateOptions cutstanding af:cI yaa exercisc the Option O ym @uveno m rened irme I lan two Options within the prev·cus.½5 day period, and e) you sign imy rcqan: forms O it is be wcc:nd by n to on0im your dectsica to exercisethe Option In no case m:·y you exceed your Derli: I mil bs wr in the Opoon M. Exercising the Fixed R;de Oplime To exercisc19eFixed RateOptior. call ]-800-KliY2YOU at such times ar locaüons as we tell yim 17. Finance ( hargc: Fswi Rate Opnom The Er.ance Fierµc on shePhcd Rate Option Poctionof vour Account :s made up 3the st:m of two compe.itm m lo1!om A. I k hrst co.nponentn rakilated by multiplying tre Daily Dahince100 cach day by lac Dai v f cod·c RmeIhen n etTect. (The Daily Peiicdic iate is detcrm ned by taking the FRO hidex:n elfect, addhig Ge appIopme Margin as decibed below, and dividing by the r.umbe: 0013y5in dic)car pri5 ar 36r4) Ihen we and all of tiv i1aily Unianx Ch:ugesiogether to ge: shetotal accnied FinanceChargefor the statemeatcycle It The SecondconFcneni is the Find Ra:c Opimn Fa. nacther foial:cci or sepaiatelypaid. (FmanceChuge - Ai13 ilw }tily Enhince .s üymd th.s way ue IAe 1hebeginning prinapal tm!ance(wh-ch excludesonipa.dFimince C aries [excep1 for mty fatancx N:·.t:6Raic Opwr fccC m:d certa:u olter charges,if any The principn. balanceircludes the amoun: of the Cpdon and anv o1berilm'hm are finc.nced.s schas the FmedIiate Oplica fee. if any Ncs: we subuad any paymen.5ant cred:1speald to .he Accrmf s Wnac.palhumce (eachof which is postedas ef the eficc.ive date af the trmnaction) 1his gives us yout Daily ThiLea 18. initial Disclosilre: M.wd Hae Oph Io Ihe FEO jndex salue we will add a Margin of ypo % for Options between12and o0 mom@ son % for Op·ions of now than 60 nmnIbs 10120 inanths aad 1. 650 % for Options of more thar t20 arid 18t; nontV As of n L/_U.Var. , Ike Daily Periodic Hate for an Option of t2 to 00 raonihs is C .018 i 9778 % This is an APR ol 6 64a % As of J1/Jyf06 . the Daily Periodic Rate lon an Option of more thmi 60 le !20 months :r U 01e67671 % This n an APR of 6.890 %. As of pl/in/qs . the Daily Perindic Rate for an Option of mole Iban 120 in 180 months is_0.02093 L51 % This is an APR of / 64 ; % Ouarsof ine Paidht!der's discoverv of such less or the:t, (ii) has exercised icascH le eve in sarcJp,ardingMe Card from risk of Inssor theft, and (Ui)|:as not reportedtwo or merc .nc:dentsof imauthorized me in the irmrcoutely p:eceting twc;ve-inonih period, and (b) the Cantholders accomil no whic.t hnd rse" incans est of fhis CarG ·)per.san.olact iransaclians arepmied is iii goeti 3|anding Under this ni;e. ".inautheiized by than the Caldhwde:. whe doesnc1have acmal. in:plied. or apparen: authority for such ·ue, and f.-amwhich the ranthoider receives30 hecef:1 I bs cle doesnot <1pplyto a Card issued(i) ra an entity 001ct than a na:ural persoa,(n) primmily for twiness. commerciat oi up:cujimal purposes,or (ii0 ca:side the U S.A C. You agreenot to amen agams| us ally clmms or defensesye,u:nay haveaganist any personwho hanms C12KeyEquity Cod Much anseon : n orreceived dupme asic Propert3or servicesren:cd or pmbased wjth Ihe KeyEquity Card in any ctedit card trir.stici:00 (as Mal tern1is :120"iedH.Fm.cni; ReserveBoaid Replation Z), unlessa'.)of:he fo:kming cond s me owt (1.1tic them s nol 2 10:1cla A (2) ycn havemadea .Âondimth atte:npt to resolveme dispute with the poisenwho hottoredihe KevEam,y Crd. (3) ilic amount af the c:cdit c×tendedto obtain shepropeny w semces that gesultedm d.c clahn or defenseexceeds$½ C'J,an:1(4) the pmchaseor rental tranS1cDoncccurred i'i 1hesanic state35your cmrenl demµ1airdmmlin;: aun:c55or. Jnot wM1in the s;unestate, witllio one h0ndred notesof tlun awhèss You heieby agrec uansaci.onsmade by [cirpl,ore aseof a Keyf.q,ury Card will be deemedto haveoccurredal the merchanis sales location ra1hcrthan at your mailne addicts or the locaticutof the telephoneasedto make "he phonecaU You furtt ci agiec r.o, to asse-tagainst us any cda:n baseden anyo,1es tefusal to honor :he KeyEquity CHd. naismi;ot ]), We me not respouble d n merchanh 'mother bank or a Teratinal refusesto honor the KeyEquity Card or on Such tclusl! 1ray also be due In our inibdity on anw.;lingness to authorize the transaction for any rMann The lInits wr.ount ana frequmF of iransact ons that we raay authorize may be changedbv us, and we may miposeother condidans aut½orimlion for any kom Ume .0 ti:ne 10: sc urdy :cmons to protect ard benefhyou We wd! not be responsible:f so' lo asser1 claim agamstus basedon any sudi refusal to bonor the NeVU]Uity rareal rim is ect pen. a a yea n.ree ai.y of the ad Yo¤ KeyEi.mh L.md will expire t;pan it.c earber of the expuation date specified on said Card t r cydrahut cr..w pened tor av.ntith: utdit inider the A3Rcircat of or E. Usecl tfic KeyFqimy Cmd is 8 ibject to 30 proceduresestablishedby us, or by a parUcipating mch nint bank. to owner ur epen1mrof a 1cruiral u;1.:ú bonors the KeyEc,ury Card. We havethe dght, m our to;c di:,ccclica. denyany worm wh.ch wm:1dresd: m an omstandmgprincipl balancein excessof the Credit i.mu: You agret 1hati ny Acyf.quirv Gud(s) issuedicmam w Propcity and shr,ll be destroyedby vnu. or rnay be reiricted by usor om agent upon t nectalm, o1De Arnetracnt or cancellation of credi: avairabicon the Account. emunal wdl bean F. Each ciedn ester.om a ade m connecjon wth any trarsacuati at a nierchant cr cashadvanceat a AAnnce to:ici Ibc Acm na and wil be Jenayableby all wha havesigned or athenvisc mpted to this Apecmcm asa ac haiow Yoa .md eash drer borrower ut'I he oindy and seve:a0y liable regar:l)csSof bow nmy KeyEquity And(s) th auual issued:imi legard.c½ t·f m'ed er THappianb1eceive KeyEqu.iy Cards ;f anyoneuscsyoin KeyEÈmy Card appment ni unphy aurhmhy. or 3oc benent fmm the useof the KeyEquity Card, you wi3 beliable for ab Advaates creuded (c m for ihe bencht 01thai pegson. o' 0ic G We Rsen e 1heQhr frmr Un e !o inre anctwilhout notice:a you. fo linlit. resthct, term;nate etherwne nRxhly U:ud am le Soa. Aeseuri as ocll asthe tenus aml conditions in INs Agreement evarmne such accesEas Key:many Ihoseo:he; n.cthodsand Jmicas u a tow y n ic t mainic to have the imhl to obtain cashadvanceson yetir Accounl in p'cc;dures f r ther oesenbedin Agreement and to the emm pergr4nedby applicab1clan wrilleri r.onceat the 30. C.iocclladon: Ycu may clue 3ou Account as:o futuie t:ansac'inns at any tirne by mvum us ad:lrcscphmed en p:irc our ol Ihb 4peement ;f we issue)ou a KeyFqitity Card or Checksto aseto obtani Advaricci-.you the Cardw Checkswnh yom pennisaum (1 aw in be Imt,le ;ei all Advancesectrined by any personwho uses KeyEqitity reinrn the KeyFquiry Card wem mmm yem Acrwn or we dow 3olu Auouu. you musi cut up your KeyEquily Card imit Agrtemal su forth above and Checks'0 us We in:n c.ariccivour Accoint plirsuant :o the terius and conditions of the poor m .uch closing or The :!os im m crir..et:atioit of )r or Account for wb'nirvtu reasonwill act affect your obhgadens p;dd in tanceBataco 'I he wons of the Apecinent shad continue to apply to gheoutstandiny,balar.cean your Account un il Uceof L Ac. m.nt :ifter folt enept :h: t the Repavir.·m Prom1ud: temmcocc at the time of closme or cancellaiRm temo.xinon w act a of . à:.cclhiicn 6 fmadulect arid ou friay be subjectto lega) procer::mps Page6 . . 19 o f 33 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 FILED: LEWIS COUNTY CLERK 08/18/2023 04:09 PM NYSCEF NYE CF FDOC. T.C. NO. N 23 1 RECEIVED FECE NYSCEF: V D NY SCE F : C B11/09/2023 i R 2O KEY EQUITY OPTIONS AGREEMENT 31. Tas Deiluclibility: Wm should consuh a (a ahsm regardom 15cdeduc ibialy of irderest and chargesunder the Account n Disclosure of Account Information: We may slunc infmmation ulthin the KeyCorp family of tompan.ca in well as ch en:dnliated third panics extemal to Key as dc3cribedm cur Phvacy Policy You specifica)h conse.ntto us.9harbit' nforrnniron wighin the Key Corp tamily of conipanies and whh external imalfiliated third par1ies. You may eled to up: our of hdonnation shanng as desmbcd m our invacy Policy. 11you clect lo opt coi, that clection will ovennic Qis .omcur lo share, exceptf or thosemstancesin which we areetherwise permitted to sharc by he wilhout your connL 33, Resiew of Credit Line: You agree ro provide us with updatedunanual information inchiding hni not limiled in persor.alfinancmi stalenlents, upon icycest. This requirementconstitutesa material obligation imdcr this Agreement. Faihtre re prodde any sucit requestedupdatedfinancial mfoimmion lo us within thirty (101Jays of1he rerpreslshall constiltnc a default under this Agiecment You agjec10 infor ni us in urithm of any matenal change in your financial signati:>r,ar any changeof vour bome or mading address,or if you changeyour name, within thiny (3f)) daysaller ach .hange You igtec we may. from lime to time, obtain an updatedcredit report on yoa withool first nodfying you cr abrainirig yom consent 30 Stop Payrnent Procedures: At yo1ir tisk ami written request,we wiU, without respcusiNht) en otn part so lar as we uny hmin)1v limit out liability, accepta stop paymenton your Acconni An ora) stop payuent coderis binding foi only louriccn (10) daystirdss conjilmed in wribng witilin th;tt per od. No revocationof the :cquest to stop paymentshaUhe whd unlessdelivered to us in writing. In order to placea written stop payment request.you must inform us oflhe exai:1 annum ef the ilcr:t, the number of the check, the dole of the check, your Account number, and mayother infoimation re:ruested A step payment requestis eDectivcfor enly six (6) months, unlessyou renewit We are not liab.e for paymeril of a c@cd es if a 3tup payment tequesthas expired and not beenrenewed, if you havenot gnen us sufficical information cr d your sicp payment-equestcomesma late tor us to act on it We are elititled to a reasonableperiod of lime a'ter we receiveyour stop papnent imest M nolify our employeesand takeother action neededfo stop payment You agreethat wnc" icasonable dependson the circumslancesimi that ne wdl haveactedwalkin a reasonablehme C we rtlakeyom stop