On May 13, 2024 a
EXHIBIT(S) - A Copy of Contract - Copy of Contract Redacted
was filed
involving a dispute between
Sunmark Credit Union
Formerly Known As Sunmark Federal Credit Union,
and
Clifton Dorrough,
Robert Dorrough,
for Other Matters - Consumer Credit (Non-Card) Transaction
in the District Court of Schoharie County.
Preview
FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235
NYSCEF DOC.. NO. 2 RECEIVED NYSCEF: 05/13/2024
ocuSign Envelope ID A6C3E962-E258-4A38-8559-125223A50141
1187 Troy ScheneCtady Road -
a
Latham, NY 12110 CONSUMER
LOANAPPLICATION
° "
518-382-0605 I ACCOUNT
NUMBER DATE
866-SUNMARK 6/6/2020 I
MARRIEbAPPLICANTSmay apply a Separate aCCOunt Check the type of credit account for wmchyou wish to apply.
for
Z individual Credit - YOumust Complete the applicant section about yourself and the other section about your spouse if (1) You live in a Cornrnunity property state
(AK, AZ. CA, 10. LA. NM. NV. P R . TX, WA. WI). (2) your spouse win use the aCCount. or (3) you are relying on your spouse s income as a source of repayrnent
¤ Joint Credit - if you are applying for a loint aCCount or an aCCount that you and another person will use, you rnust Cornplete the Applicant and Co-
Applicant section
instral here If you intend to apply for Joint Credit
__- --
APPLICANT OCO-APPLICANT/CO-SIGNER
you hve in a community property state
Complete for secured credit or if Complete for secured credit or if you hve in a community property state
MARRIED
NAME~^ O
SEPARATED UNMARRIED(Single. Divorced. Widowed) MARRIED ¤ SEPARATED UNMARRIED
(Single. Divorced. Widowed)
535ÜCANT iCANT NAME
SPOUSE/CO-APPL
ROBERTDORROUGH
NO
SOCIAL SECURTrY ACCOUNT
NUMBER SOCIA;. SECURiTY
NO ACCOUNT
NuMBER
DRfVER"S LICENSE NO& STATE BIRTH DATE DRiVER'S LICENSE NO & STATE BIRTH DATE
'
. now. PHONENO E-MAIL nuuRESS HOME
PHONENO E-MAll ADDRESS
CURRENT STREET ADDRESS LENGTHATRESIDENCE CURRENT
STREET ADDRESS LENGTHAT RFSIDF NCE
1627 GROVERNORS RD
CORNERS
CrrY/STATErZIP CODE CITVISTATEfZIP CODE
CENTRALBRIDGE NY 12035
MoRTGAGE/REN"OWED
TO YEARSTHERE uORTGAGE/RENT
OWEDTO YEARSTHERE
MORTGAGE
BALANCE MONTHLY
PAYMENT (NTEREST RATE MORTGAGE
BALANCE MONTH1.V
PAVMENT NTTRESTRATE
o 00
REFERENCi-rName
RSONAL and Address) PHONENO& REt.ATIONSHiP REFERENCE(Name and Address)
PERSONAL NO& RELAriONSH
PHONE
EMPLOYMENT
& INCOMEisyou are seir-empioyed. attach a iinanciai statemeni and 2 years mcometax return
CURRENT
EMPLOVER | HIRE DATE
CURRENT
EMPLOYER HIRE DATE
URRENTADDRESS CURREW
ADDRESS
- -'
WORKPHONE
NO POsrTgõN INCOME wORKPHONENO POSITIO INCOME
s
_
ÎWEREMPLOYER HOW
LONG FORMER
EMPLOVER
Ofcurrent less than 2 years) HOW
i ONG
-
(tf current tess than 2 years)
_ _.. _ . _- L. ._ - - __.. _.__ ___.. _ . _
OTHERINCOMEvooneed nor nstincome emmaumany.cwdsuppori or separate mamienanceunless you wishitconadsred Ibr purposes orgraniIng this credit
URCEOFOTHER
INCOME FREQUENCY MONTHLY
INCOME OFOTHER
SOURCE INCOME r REQUFNCV MONTH;.VINCouE
s 0 00
SIGNATURES toinvestigafe-
Toiipio-tisse that the inforrnattoiisiiled in this Totaloan Consumer Losi Xpphcstron is tiUã-siifcõrrect to the best of yEurWio-iifeTgã·Tlie Credit Union or its agent is aumonzed
your, credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you The Credit Union mayalso obtain credit reports to update.
increase. extend. renew or collection of the credit received by you False or misleading statements in your application maycause an loan to be in default You understand that it is a federal i
enmeto willfully and deliberately provide incomplete or incorrect information to obtain credit You agree that this appitcation shall be t e Credit Union's property whether or not this epplication I
s approved You will notify the Credit Union fri wating immediately of any changes in your name. address or employment If you recuest. you will be provided the nameand address of any
credit bureau from which we received a credit report As security for any loan to you or on your behalf. you grant the Credit Union a Securl Interest in an individual and joint share
or other accounts you have with the Credit Union now and in the future. Whenyou are In default you authonze the Credit Union to take t at moneyand apply it to what you owe.
Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.
Under federal law if you receive benefit of the loan and are contractually liable to repay a Sunmark loan obligaton, you must be a member of Sunmark Credit Union You agree that the
n application mayserve as your Sunmark Membership Application You also agree to provide any necessary docurnentation to support the loan or mernbership
. regulation. SUnmarkpolicy or procedure
a Exhibit
n , EXHIBIT "A"
FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235
.
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024
DocuSign Envelope ID A6C3E962-E258-4A3B-8559-125223A50141
1187 Troy SChenectady Road
a Latham. NY 12110 CONSUMER
LOANAPPLICATION
518-382-0605 ACCOUNT
NUMaER DATE
^^
866-SUNMARK 1 6/6/2020
MARRIEDAPPLICANTS mayapply for a separate account Check the type of cred
t account for w
slito apply.
Individual Credit - You must complete the applicant section about yourself and the other section about your spouse if (1) You live in a community property State
R
(AK. AZ, CA, ID, LA, NM, NV. P , TX, WA, WI). (2) your spouse wIIIuse the account.
or (3) you are relying on your spouSe's income as a source of repayment
I
O Joint
Applican section
- If you are applying for a joint account or an account that you and another person wrII use. you must complete the Applicant and Co-
Imtral here 11you intend to apply for Joint Credit
APPLICANT CO-APPLICANT/CO-SIGNER
ma community Complete for secured credit or if you hve an a commumtyproperty state
- -
Complete for secured credit or if you five property state
MARRIED SEPARATED UNMARRIED
(Single. Dworced. Widowed) MARRIED SEPARATED
SPOUSE/CO-APPLICANTNAME
UNMARRIE'O(Singie Dworced. Widnwed)
- _ _
APPLICANT NAME
CLIFTON DORROUGH
NO ACCOUNT SOCIALSECURITY
NO ACCOUNT
NUMBER
OZiAL SFCURITY NuluiBER
R'S LICENSE NO & STATE
DwVE BiRmDATE | DRIVERS LiCENSE NO & STATE
- - - ~
----
HOMEPHCNENO E-MAIL ADDRESS HOMEPHONENO E .MA .. - ..
T ADDRE
C, IRRFNT STREE SS H AT RESIDENCE
LENGT NT STREET ADDRESS
CURRE LENGTH
AT rd S"UF NQ ,
CITY/STATE ZIP CODE
1643 GROVERNORS
CORNERS
CITY/STATE/2,lPCODE
RD
-.- - . - - - ....___- .
CENTRALBRIDGE NY 12035
/RENT OtEDTO
-MORTGAGP vt monruEar
OWED
MORTGAGE/RENT TO YEARSTHERE
0 CAGEBALANCE IwONTHLYPAVMENT INTEREST RATE BALANCF
MORTGAGE MONTHLY
PAYME
NT INTEREST RATE
0 00
. REFERENCE(Name and Address)
PERSONA NO8 RELATIONSHIP
PHONE RF-FFRCN
PERSONAL N- and Address) PHANFN0 & Do 6T10NMP
EMPLOYMENT
& INCOMEevou are sew-emmoved.anacha ananaaistatemensand 2 vears income ia×reivrn
NT EMPLOYER
- ~- - ----' -
T H'RE DATE
URRFNT EMPLOYER HiRE DATE CURRE
NT ADDRESS
CURRE
URRrNT ADDRE
SS
WORK
PHONENO POSITION INCOME wORKPHONENO POSITION I INCOME
R EMPt.GVER( r current ress i a
r ORME years;
S
HOWLONG FORMER
E.MPLOYER(nrcurrent fess than 2 years: EOW
LCNG
. __ -> __ --- - ... _ _ . _J
OTHERINCOMEYou need not kst encomerrOInaRmony.child support or separaie maintenanceunless you vash J consideredror purposes orgrankng Guscredit
MONTHLY OF OTHER FREQUENCY V INCOME
f-SOURCEOF OTHERINCOME FREQUENCY INC SOURCE INCOME MONTHL
1000 _ _}
SIGNATURES
Folipr-oriiise-ihifiEi-inforrnation statedin this Totã[oan ConsumerLoan Apøcatacn is true and co-hi-ct iõ the best of youililiowTidge Te-Ci-edf0iifon or is agent is-ãæonzed toinvest gate ]
your cred t worthiness, employment history. and to obtain a credit report and to answer questions about *ts cred t history with you The Credit Union may also obtain credit repor's to update. I
loan to be in default You understand thet it is a federal /
nerease. extend. renew or collection of the credit received by you False or misleading statements in your application may cause any
Union s properly whether or not 'his appocation
enrae to wdifully and deliberately provide incomplete or incorrect information to obtain credit You agree that this application shall be the Credit ;
s approved You will notify the Credit Union mwnting :rnmediately of any changes In your name. address or employment If you request, ou will be provided the name and add ess of any
credit bureau from which we received a credit report As security for any loen to you or on your behalf, you rant the Credit Union a ecurity interest In all mdividual and joint share
or other accounts you have with the Credit Umonnowand in the future Whenyou are in default you au onze the Credit Union to take that moneyand apply it to what you owe
Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Secunty Interest
Under federal law if you receive benefit of the loan and are contractuany lable to repay a $unmarl( loan obligation. you must be a memberof SunmarkCredit Union You agree that the
formahon provided on the loanapplication mayserve as your Summark Membership Application YoL alSOagree to proVIde any necessary documentation to support the loan or membership
application pursuant to any law. regulation. Sunmart( policy or procedure
DocuSignedby
X
ApplicanUCo-Signer Date
_ _- _ CIETON DDRR_OMGH
p
____
er
____ _. 6/6/2020
Date
Copynghi 2010 ConmarSysterns Mc. Pescitiree Cey GA30269 - EFORM
11317 a u20 EXHIBIT "A"
FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024
locuSign Envelope ID A6C3E962-E258-4A38-8559-125223A50141
PROMISSORYNOTE- DISCLOSURÈ
& SECURITYAGREEMENT
C " ' ° ' ' " " ' ° " The words
"You"
and
"Your"
meanany person authenocahngthis Agreement as Borrower. Co-Borrower. Co-Signer or
1187 Troy Schenectady Road. Latham. NY12110 owner of Collateral Other Than Barrower. whether by affcang their actual signature. or through use of an electronic
signatwe.facsumiesignature. or photocopiedSignature The terms on all pages are part of the entire Agreement Words
518-382-0605 866-SUNMARK "nla"
or phrases preceded by a are applicableonly f the is marked, e g . means not apphcable
Primary Borrower Name/Address Co-Borrower Name/Address i Effecove Date 1.oan Number
'
ROBERT DORROUGH CLIFTONDORROUGH 6/612020
CORNERS
1627 GROVERNORS RD 1643 GROVERNORS CORNERS RD I-
I interest Rate
Date
CENTRALBRIDGF, NY 12035 CENTRALBRIDGE. NY 12035 IMatunty
12/15/2024 7 640%
FINANCECHARGE AMOUNT
FINANCED [ TOTALOF PAYMENTS
Thecosiofyourcredsas a yeaMrrage Thedoitaramounrmecre6rwDeosyou orcredsprovidedtovonor coyourbanan
Theamount | Theamoistyoumitnavepaidwhenyouhavemadeall
I DayfileniS
SSScheduled
7.640 °4 $ 3,037.20 $ 15 75.00 $ 20.266 52
Your Payment Schedule Wal Be
Numberof Payments Amount Of Payments WhenPayments Are Due
53 375 31 MONTHLY 7/15/2020
1 375 09 12/15/2024
DISCOUNT-You may receive a discount
AUTOMATICPAYMENT of _ _ ____% whenyou elect to repay your toan with automanc monthly transfers 10 your loan trom
a Sunmark Checking acCOunt with direct deposit of at least $500 per month CanCellaDon Of the automatic payment. Sunmark checking or d«ect deposrf of at least $500
will result in your loan rate increasing by _ °/o
PREPAYMENT:If you payoff your loan early. you will not have to pay a penalty
REQUIREDDEPOSIT The annual percentage rate does not take into account your required deposit. if any
PROPERTY INSU RANCEYou mayobtain property insurance from anyone you want that is acceptable to the Credit Union
LATE CHARGE·If your payment is more than 10 days fate. you wdf be charged $_ 20.00
ASSUMABILITYYour loan is not assumable
FILING FEES $ 0 00
SECURITY:You are giving a secunty interest in all present and future. indnadual and IOint ShareS and Other accounts you have in the Credit Union and in the fo flowing
The goods or property being purchased
Collateral secunng this loan may also secure other loans with the Credit Union
O Other (Descnbe)
tast owners and address where secured property is located
See your contract documents for any additional informat>on about prepayment. default. any reouired repayment mfull before the scheduled
oue date. and prepayment refunds and penalbes "e"
rneans an estimate
C If this box is checked. the Credit Union requires Vendor's Single Interest Insurance (VSI) You maychoose the person through whomVSf Insurance is to be obtamed This
msurance is for the Credit Union's sole protec0on and your interest is not covered If obtained th'ough the Credit Union. the cost of such insurance is$
65 00
. SECUR>TYYou grant to the Credit Uniona Secunty Interest mall present and futuremdedual and gont accounts mthe Credit Unon(other than those accounts thai would lose special tax treatment th s
secunty mterest apphed to thern) and the property desenbed below
TYPE 2006 CHEVROLET
SILVERADO2500 1GCHK2
Other
hares $ Account No Shares $ Account No
If this box is checked. the Consumer Claims and Defenses provision on page 3 is apphcable
SIGNATURESBy authen9cabnghs TotaLoan promissory Note. Dsdosure and SecuntyAgreement.or by endoisng the accompanyingloan proceedscheck (relatedto this Agreement),or by acceptingfunds
depositedinto your Credt Unionshareor chec1ongaccount,you agreeto makeand be boundby thetennsand conditionso'hs ToteLoanPronussoryNote.usclosure and SecuntyAgreement,includingthe termsand
condmonson all pages of As mulu-pagedocument
Borrower."
You acknoiMedgeyour responsibiMyto ensure that the CreditUnionis named first lien holder on any certificateof title. stapplicable if you are authenDcatingas
"Ownerof Co0ateralOther than you are giving the CreditUniona SecuntyInterestmthe propertydesenbedaboveandyou are boundonly by the SecuntyAgreementandyou are not obligatedto repayment
of the noteunlessyou are also a co-borroweror co-signer You acknowledgethatyou haveread hs enureAgreementand navereceiveda copy If you deode notto entermto this loan agreement.you mustretum any
onendorsedproceedscheck to the CreditUnion
CAUTION: IT IS IMPORTANT THATYOUTHOROUGbLY READTHIS CONTRACT BEFOREYOUSIGN IT.
B cus,aned by Date C IT@uergned by Date
'
6/6/2020 GUFFON00RRol/Q/ 6/6/2020
97960alistersib Other than Borrower Date red4DRater4ttOther than Borrower Date
x EXHIBIT "A"
X
SIGNATURE OFCO-SIGNERIf the borrower fails to re ay this debt. you promise to pay the debt to the Creet Union upon demand 'he Credñ Union can seek imme@atepaymentfrom you without making
pnor demand for payment on the borrower You pledge a I shares and/or other funds many of your mdMdual and joint accounts as secunty for your promise The Credit Unronhas the nght to apply your shares
and other funds towards what you owe if you are mdefault Any account that would lose speoal tax considerationd given as secunty is not sublect to this pledge or right of offset TheCreet Union can enforce
this Agreement agemstyour heirs and fegal representaBves You waive riotice of acceptanceof this guaranty. of any extenssonsmume of payments.of sale or releaseof any collateralfor As loan and aCother
notices of whic u Id otherwise be entitled to receiveaf allowedb ap icable law
Ver e entS - NOTICE TO OURSIGNATURE
CO-SIGNE : ON NOTEMEANSTHATYOUARE EQUALLY FOR
THIS LIABLE
THIS LOAN. IF THEBORROWER
DOESNOTPAY, THELENDER
HASA LEGALRIGHTTOCOLLECTFROMYOU
FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024
ocuSign Envelope 10 A6C3E962-E258-4A3B-8559-125223A5014*
PROMISSORY NOTE- DISCLOSURE
ITEMIZATION
FINANCED
ITEMIZATIONOFTHEAMOLINT mththeCreditUmonmetam a portonof theamountpardtoothersdenotedbyastenskC
necreditumon of anenityaminated
-- - - - -.... -..
I itemizationof amountfinanced of 7-AnWIgiven to you directly Paid on Account PrepardFinanceCharge
s 15.775 00 |s 0 00 s 0 00 s
Amount paid to otherson your behalf
To T RUCK
ZONEPLUSL L C s 15.360 00 To
s
To GAPINSURANCE s 350 00 To s
To VSI INSURANCE s 65 00 To s
To s To 5
Repayment· your ability to repay what ou owe is t aired. it may call any such amounts immediately due
You promise to pay to the Credit Union or its order. the amount financed plus the
finance charge according Ic the pa ent schedule as each is set forth in the disclosure on page and payable including FIN CE CHARGS
1 of this Promissory Note and Dis sure Your payment amount includes interest computed and emedies. Whenyou are in default. the Credit Union rqay. after recon of any nght you have
pa able at the Interest rate shownon page 1 on the loan from the dele inance charges begin under SIme law to cure your defaul require muneeate aymen of what you owe and take
un I the loan is aid in full The amount of your final payment as well as total Finance Charge possession of the property without judicial process If aske . you romise to deliver the couateral
and the total o payments will be somewhat more or less than the amounts disclosed if at a wne and |o a locahon of our choosmg In the case of a de au:1. if the coDateral s a motor
payments are not received precisely on the due dates Whenrecented. your payment win be vehicle or boat. you agree that we mayobtain a key or a other device necessary to unlock and
apphed in the order chosen by the Credit Union to finance charges, late charges. collection 0 erate it You authonze nght of en (other than to a welling) for repossession 11the Cre¦t
costs. any other charges and to the pnncipal Unpaid interest will be paid by later pa ..ents and nion repossesses the collateral it wil not be responsible tor persons: roperty not covered
win not be added to your principal balance If a share account is ledged as secun this loan by
this Agreement that you leave inside the prop or that is attached to .he property The Gredit
(descnted in the secunty section on page 1). you must keep ese shares equa to your toan Union wil: try to retum that property to you A er the Credit Union takes possession of the
b alance until you repay all of what you owe property. it can sell it and apply the moneyto what you owe Yoi, will be gwen notice of any
Prepayment: You may prepay aUor part of our loan at anytime without penany However. if a public sale or the date when a nvate safe will be held The Creÿt Union wilf deduci ds
balance remains owing you are still requi to makeyour regular periodic payments A partial expenses for taking possession of e property and for any commerciall reasonable preparation
attomeys-
payment wig not automatically reduce your penodic payment unless the remaining amount owed or processing. storage and fees to the extent pernutted un er state law or awarded
is less than the penodic payment under the Bankruptcy Code The rest of the sale mone wil be applied to what you owe Each
debtor wilt have to pay any amount remaining unpaid a er sale moneyhas been appaed to what
Skip Payments At the Credit Union's option and on terms westate from time to time. we may you owe You will pay interest on mat amount at the applicable ·ate unt.1 'he amount has Deen
allow you to skip payments. which means you may be allowed to skip indwidual installment repai
payments if you accept an skip a ent. you understand that the Finance Charge dady
interest rate will continue to e appie However. no late charges will apply for authonze skip Late Charge If any payment is madelate. you may be charged a late charge You agree to pay
payments . urther. no skip yment will extend the term of any debt protection pokey you may the !ate charge if any is disclosed on page 1
have obtained through the redit Union as part of this 10a'' Co-Borrower or Co-Signer If you are authenticating this Note as a co-borrower or co-signer.
Property Insurance You promise to maintain propeny insurance in an amount necessary 10 ou waive any nght to require the Credit Union to attempt co ection of this Note from the onma,
protect our secunty interest in the collateral, with the credit unen namedas loss payee for our orrower first You agree to be equally and severally responsible with the first borrower for a I
protection Such insurance shall protect against loss by fire. theft, and cogision and will provide obhgations under this Note You understand that the terms of this Note ep ly to u as well as to
nsks" the pnmary borrower and you waive any requirement that you be noti led o changes in the
80 hun insurance anthe case of aircraft or boats and accessones thereto. d any You may
provide the required prope insurance throu h an existing policy or by a obcy you terms of this Note or any Secunty Agreement for this Note
independently obtain and pay or from a person o your own choosing. providing suc person is Debt Protection: The purchase of Debt Protection coverage is optional You must meet all
dehver satisfactory evidence of the insurance pokcy
reasonably acce table to us You a ree (o eligibili requirements to be ehgible for coverage If you are eligible for and elect a Joint
to us within any ime enod specifie in any notice from us or on our behalf If you do not get or Protect on Option, the terms
"You"
and "Your in this agreernent and in the Debt Protection
keep this insurance. e may. at our sole option, obtain insurance to protect our interest and add Amendmentrefer to both the Borrower and Co-8orrower. who are jointly and severaUy hable
its costs to your loan and you agree to pay for it (by such meansas increasing your payment or under the loan a reement Debt protection coverage will not be provided unless ou sign
increasing your loan term) Weare under no obhgation to obtain insurance on your behalf If we the debt protect on amendmentto your loan sccount and agree to pay the fee sclosed
do obtain insurance. the cost of obtaining that msurance may be added to y
Document Filed Date
May 13, 2024
Case Filing Date
May 13, 2024
Category
Other Matters - Consumer Credit (Non-Card) Transaction
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Preview
FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235 NYSCEF DOC.. NO. 2 RECEIVED NYSCEF: 05/13/2024 ocuSign Envelope ID A6C3E962-E258-4A38-8559-125223A50141 1187 Troy ScheneCtady Road - a Latham, NY 12110 CONSUMER LOANAPPLICATION ° " 518-382-0605 I ACCOUNT NUMBER DATE 866-SUNMARK 6/6/2020 I MARRIEbAPPLICANTSmay apply a Separate aCCOunt Check the type of credit account for wmchyou wish to apply. for Z individual Credit - YOumust Complete the applicant section about yourself and the other section about your spouse if (1) You live in a Cornrnunity property state (AK, AZ. CA, 10. LA. NM. NV. P R . TX, WA. WI). (2) your spouse win use the aCCount. or (3) you are relying on your spouse s income as a source of repayrnent ¤ Joint Credit - if you are applying for a loint aCCount or an aCCount that you and another person will use, you rnust Cornplete the Applicant and Co- Applicant section instral here If you intend to apply for Joint Credit __- -- APPLICANT OCO-APPLICANT/CO-SIGNER you hve in a community property state Complete for secured credit or if Complete for secured credit or if you hve in a community property state MARRIED NAME~^ O SEPARATED UNMARRIED(Single. Divorced. Widowed) MARRIED ¤ SEPARATED UNMARRIED (Single. Divorced. Widowed) 535ÜCANT iCANT NAME SPOUSE/CO-APPL ROBERTDORROUGH NO SOCIAL SECURTrY ACCOUNT NUMBER SOCIA;. SECURiTY NO ACCOUNT NuMBER DRfVER"S LICENSE NO& STATE BIRTH DATE DRiVER'S LICENSE NO & STATE BIRTH DATE ' . now. PHONENO E-MAIL nuuRESS HOME PHONENO E-MAll ADDRESS CURRENT STREET ADDRESS LENGTHATRESIDENCE CURRENT STREET ADDRESS LENGTHAT RFSIDF NCE 1627 GROVERNORS RD CORNERS CrrY/STATErZIP CODE CITVISTATEfZIP CODE CENTRALBRIDGE NY 12035 MoRTGAGE/REN"OWED TO YEARSTHERE uORTGAGE/RENT OWEDTO YEARSTHERE MORTGAGE BALANCE MONTHLY PAYMENT (NTEREST RATE MORTGAGE BALANCE MONTH1.V PAVMENT NTTRESTRATE o 00 REFERENCi-rName RSONAL and Address) PHONENO& REt.ATIONSHiP REFERENCE(Name and Address) PERSONAL NO& RELAriONSH PHONE EMPLOYMENT & INCOMEisyou are seir-empioyed. attach a iinanciai statemeni and 2 years mcometax return CURRENT EMPLOVER | HIRE DATE CURRENT EMPLOYER HIRE DATE URRENTADDRESS CURREW ADDRESS - -' WORKPHONE NO POsrTgõN INCOME wORKPHONENO POSITIO INCOME s _ ÎWEREMPLOYER HOW LONG FORMER EMPLOVER Ofcurrent less than 2 years) HOW i ONG - (tf current tess than 2 years) _ _.. _ . _- L. ._ - - __.. _.__ ___.. _ . _ OTHERINCOMEvooneed nor nstincome emmaumany.cwdsuppori or separate mamienanceunless you wishitconadsred Ibr purposes orgraniIng this credit URCEOFOTHER INCOME FREQUENCY MONTHLY INCOME OFOTHER SOURCE INCOME r REQUFNCV MONTH;.VINCouE s 0 00 SIGNATURES toinvestigafe- Toiipio-tisse that the inforrnattoiisiiled in this Totaloan Consumer Losi Xpphcstron is tiUã-siifcõrrect to the best of yEurWio-iifeTgã·Tlie Credit Union or its agent is aumonzed your, credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you The Credit Union mayalso obtain credit reports to update. increase. extend. renew or collection of the credit received by you False or misleading statements in your application maycause an loan to be in default You understand that it is a federal i enmeto willfully and deliberately provide incomplete or incorrect information to obtain credit You agree that this appitcation shall be t e Credit Union's property whether or not this epplication I s approved You will notify the Credit Union fri wating immediately of any changes in your name. address or employment If you recuest. you will be provided the nameand address of any credit bureau from which we received a credit report As security for any loan to you or on your behalf. you grant the Credit Union a Securl Interest in an individual and joint share or other accounts you have with the Credit Union now and in the future. Whenyou are In default you authonze the Credit Union to take t at moneyand apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest. Under federal law if you receive benefit of the loan and are contractually liable to repay a Sunmark loan obligaton, you must be a member of Sunmark Credit Union You agree that the n application mayserve as your Sunmark Membership Application You also agree to provide any necessary docurnentation to support the loan or mernbership . regulation. SUnmarkpolicy or procedure a Exhibit n , EXHIBIT "A" FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235 . NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024 DocuSign Envelope ID A6C3E962-E258-4A3B-8559-125223A50141 1187 Troy SChenectady Road a Latham. NY 12110 CONSUMER LOANAPPLICATION 518-382-0605 ACCOUNT NUMaER DATE ^^ 866-SUNMARK 1 6/6/2020 MARRIEDAPPLICANTS mayapply for a separate account Check the type of cred t account for w slito apply. Individual Credit - You must complete the applicant section about yourself and the other section about your spouse if (1) You live in a community property State R (AK. AZ, CA, ID, LA, NM, NV. P , TX, WA, WI). (2) your spouse wIIIuse the account. or (3) you are relying on your spouSe's income as a source of repayment I O Joint Applican section - If you are applying for a joint account or an account that you and another person wrII use. you must complete the Applicant and Co- Imtral here 11you intend to apply for Joint Credit APPLICANT CO-APPLICANT/CO-SIGNER ma community Complete for secured credit or if you hve an a commumtyproperty state - - Complete for secured credit or if you five property state MARRIED SEPARATED UNMARRIED (Single. Dworced. Widowed) MARRIED SEPARATED SPOUSE/CO-APPLICANTNAME UNMARRIE'O(Singie Dworced. Widnwed) - _ _ APPLICANT NAME CLIFTON DORROUGH NO ACCOUNT SOCIALSECURITY NO ACCOUNT NUMBER OZiAL SFCURITY NuluiBER R'S LICENSE NO & STATE DwVE BiRmDATE | DRIVERS LiCENSE NO & STATE - - - ~ ---- HOMEPHCNENO E-MAIL ADDRESS HOMEPHONENO E .MA .. - .. T ADDRE C, IRRFNT STREE SS H AT RESIDENCE LENGT NT STREET ADDRESS CURRE LENGTH AT rd S"UF NQ , CITY/STATE ZIP CODE 1643 GROVERNORS CORNERS CITY/STATE/2,lPCODE RD -.- - . - - - ....___- . CENTRALBRIDGE NY 12035 /RENT OtEDTO -MORTGAGP vt monruEar OWED MORTGAGE/RENT TO YEARSTHERE 0 CAGEBALANCE IwONTHLYPAVMENT INTEREST RATE BALANCF MORTGAGE MONTHLY PAYME NT INTEREST RATE 0 00 . REFERENCE(Name and Address) PERSONA NO8 RELATIONSHIP PHONE RF-FFRCN PERSONAL N- and Address) PHANFN0 & Do 6T10NMP EMPLOYMENT & INCOMEevou are sew-emmoved.anacha ananaaistatemensand 2 vears income ia×reivrn NT EMPLOYER - ~- - ----' - T H'RE DATE URRFNT EMPLOYER HiRE DATE CURRE NT ADDRESS CURRE URRrNT ADDRE SS WORK PHONENO POSITION INCOME wORKPHONENO POSITION I INCOME R EMPt.GVER( r current ress i a r ORME years; S HOWLONG FORMER E.MPLOYER(nrcurrent fess than 2 years: EOW LCNG . __ -> __ --- - ... _ _ . _J OTHERINCOMEYou need not kst encomerrOInaRmony.child support or separaie maintenanceunless you vash J consideredror purposes orgrankng Guscredit MONTHLY OF OTHER FREQUENCY V INCOME f-SOURCEOF OTHERINCOME FREQUENCY INC SOURCE INCOME MONTHL 1000 _ _} SIGNATURES Folipr-oriiise-ihifiEi-inforrnation statedin this Totã[oan ConsumerLoan Apøcatacn is true and co-hi-ct iõ the best of youililiowTidge Te-Ci-edf0iifon or is agent is-ãæonzed toinvest gate ] your cred t worthiness, employment history. and to obtain a credit report and to answer questions about *ts cred t history with you The Credit Union may also obtain credit repor's to update. I loan to be in default You understand thet it is a federal / nerease. extend. renew or collection of the credit received by you False or misleading statements in your application may cause any Union s properly whether or not 'his appocation enrae to wdifully and deliberately provide incomplete or incorrect information to obtain credit You agree that this application shall be the Credit ; s approved You will notify the Credit Union mwnting :rnmediately of any changes In your name. address or employment If you request, ou will be provided the name and add ess of any credit bureau from which we received a credit report As security for any loen to you or on your behalf, you rant the Credit Union a ecurity interest In all mdividual and joint share or other accounts you have with the Credit Umonnowand in the future Whenyou are in default you au onze the Credit Union to take that moneyand apply it to what you owe Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Secunty Interest Under federal law if you receive benefit of the loan and are contractuany lable to repay a $unmarl( loan obligation. you must be a memberof SunmarkCredit Union You agree that the formahon provided on the loanapplication mayserve as your Summark Membership Application YoL alSOagree to proVIde any necessary documentation to support the loan or membership application pursuant to any law. regulation. Sunmart( policy or procedure DocuSignedby X ApplicanUCo-Signer Date _ _- _ CIETON DDRR_OMGH p ____ er ____ _. 6/6/2020 Date Copynghi 2010 ConmarSysterns Mc. Pescitiree Cey GA30269 - EFORM 11317 a u20 EXHIBIT "A" FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024 locuSign Envelope ID A6C3E962-E258-4A38-8559-125223A50141 PROMISSORYNOTE- DISCLOSURÈ & SECURITYAGREEMENT C " ' ° ' ' " " ' ° " The words "You" and "Your" meanany person authenocahngthis Agreement as Borrower. Co-Borrower. Co-Signer or 1187 Troy Schenectady Road. Latham. NY12110 owner of Collateral Other Than Barrower. whether by affcang their actual signature. or through use of an electronic signatwe.facsumiesignature. or photocopiedSignature The terms on all pages are part of the entire Agreement Words 518-382-0605 866-SUNMARK "nla" or phrases preceded by a are applicableonly f the is marked, e g . means not apphcable Primary Borrower Name/Address Co-Borrower Name/Address i Effecove Date 1.oan Number ' ROBERT DORROUGH CLIFTONDORROUGH 6/612020 CORNERS 1627 GROVERNORS RD 1643 GROVERNORS CORNERS RD I- I interest Rate Date CENTRALBRIDGF, NY 12035 CENTRALBRIDGE. NY 12035 IMatunty 12/15/2024 7 640% FINANCECHARGE AMOUNT FINANCED [ TOTALOF PAYMENTS Thecosiofyourcredsas a yeaMrrage Thedoitaramounrmecre6rwDeosyou orcredsprovidedtovonor coyourbanan Theamount | Theamoistyoumitnavepaidwhenyouhavemadeall I DayfileniS SSScheduled 7.640 °4 $ 3,037.20 $ 15 75.00 $ 20.266 52 Your Payment Schedule Wal Be Numberof Payments Amount Of Payments WhenPayments Are Due 53 375 31 MONTHLY 7/15/2020 1 375 09 12/15/2024 DISCOUNT-You may receive a discount AUTOMATICPAYMENT of _ _ ____% whenyou elect to repay your toan with automanc monthly transfers 10 your loan trom a Sunmark Checking acCOunt with direct deposit of at least $500 per month CanCellaDon Of the automatic payment. Sunmark checking or d«ect deposrf of at least $500 will result in your loan rate increasing by _ °/o PREPAYMENT:If you payoff your loan early. you will not have to pay a penalty REQUIREDDEPOSIT The annual percentage rate does not take into account your required deposit. if any PROPERTY INSU RANCEYou mayobtain property insurance from anyone you want that is acceptable to the Credit Union LATE CHARGE·If your payment is more than 10 days fate. you wdf be charged $_ 20.00 ASSUMABILITYYour loan is not assumable FILING FEES $ 0 00 SECURITY:You are giving a secunty interest in all present and future. indnadual and IOint ShareS and Other accounts you have in the Credit Union and in the fo flowing The goods or property being purchased Collateral secunng this loan may also secure other loans with the Credit Union O Other (Descnbe) tast owners and address where secured property is located See your contract documents for any additional informat>on about prepayment. default. any reouired repayment mfull before the scheduled oue date. and prepayment refunds and penalbes "e" rneans an estimate C If this box is checked. the Credit Union requires Vendor's Single Interest Insurance (VSI) You maychoose the person through whomVSf Insurance is to be obtamed This msurance is for the Credit Union's sole protec0on and your interest is not covered If obtained th'ough the Credit Union. the cost of such insurance is$ 65 00 . SECUR>TYYou grant to the Credit Uniona Secunty Interest mall present and futuremdedual and gont accounts mthe Credit Unon(other than those accounts thai would lose special tax treatment th s secunty mterest apphed to thern) and the property desenbed below TYPE 2006 CHEVROLET SILVERADO2500 1GCHK2 Other hares $ Account No Shares $ Account No If this box is checked. the Consumer Claims and Defenses provision on page 3 is apphcable SIGNATURESBy authen9cabnghs TotaLoan promissory Note. Dsdosure and SecuntyAgreement.or by endoisng the accompanyingloan proceedscheck (relatedto this Agreement),or by acceptingfunds depositedinto your Credt Unionshareor chec1ongaccount,you agreeto makeand be boundby thetennsand conditionso'hs ToteLoanPronussoryNote.usclosure and SecuntyAgreement,includingthe termsand condmonson all pages of As mulu-pagedocument Borrower." You acknoiMedgeyour responsibiMyto ensure that the CreditUnionis named first lien holder on any certificateof title. stapplicable if you are authenDcatingas "Ownerof Co0ateralOther than you are giving the CreditUniona SecuntyInterestmthe propertydesenbedaboveandyou are boundonly by the SecuntyAgreementandyou are not obligatedto repayment of the noteunlessyou are also a co-borroweror co-signer You acknowledgethatyou haveread hs enureAgreementand navereceiveda copy If you deode notto entermto this loan agreement.you mustretum any onendorsedproceedscheck to the CreditUnion CAUTION: IT IS IMPORTANT THATYOUTHOROUGbLY READTHIS CONTRACT BEFOREYOUSIGN IT. B cus,aned by Date C IT@uergned by Date ' 6/6/2020 GUFFON00RRol/Q/ 6/6/2020 97960alistersib Other than Borrower Date red4DRater4ttOther than Borrower Date x EXHIBIT "A" X SIGNATURE OFCO-SIGNERIf the borrower fails to re ay this debt. you promise to pay the debt to the Creet Union upon demand 'he Credñ Union can seek imme@atepaymentfrom you without making pnor demand for payment on the borrower You pledge a I shares and/or other funds many of your mdMdual and joint accounts as secunty for your promise The Credit Unronhas the nght to apply your shares and other funds towards what you owe if you are mdefault Any account that would lose speoal tax considerationd given as secunty is not sublect to this pledge or right of offset TheCreet Union can enforce this Agreement agemstyour heirs and fegal representaBves You waive riotice of acceptanceof this guaranty. of any extenssonsmume of payments.of sale or releaseof any collateralfor As loan and aCother notices of whic u Id otherwise be entitled to receiveaf allowedb ap icable law Ver e entS - NOTICE TO OURSIGNATURE CO-SIGNE : ON NOTEMEANSTHATYOUARE EQUALLY FOR THIS LIABLE THIS LOAN. IF THEBORROWER DOESNOTPAY, THELENDER HASA LEGALRIGHTTOCOLLECTFROMYOU FILED: SCHOHARIE COUNTY CLERK 05/13/2024 03:05 PM INDEX NO. 2024-235 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/13/2024 ocuSign Envelope 10 A6C3E962-E258-4A3B-8559-125223A5014* PROMISSORY NOTE- DISCLOSURE ITEMIZATION FINANCED ITEMIZATIONOFTHEAMOLINT mththeCreditUmonmetam a portonof theamountpardtoothersdenotedbyastenskC necreditumon of anenityaminated -- - - - -.... -.. I itemizationof amountfinanced of 7-AnWIgiven to you directly Paid on Account PrepardFinanceCharge s 15.775 00 |s 0 00 s 0 00 s Amount paid to otherson your behalf To T RUCK ZONEPLUSL L C s 15.360 00 To s To GAPINSURANCE s 350 00 To s To VSI INSURANCE s 65 00 To s To s To 5 Repayment· your ability to repay what ou owe is t aired. it may call any such amounts immediately due You promise to pay to the Credit Union or its order. the amount financed plus the finance charge according Ic the pa ent schedule as each is set forth in the disclosure on page and payable including FIN CE CHARGS 1 of this Promissory Note and Dis sure Your payment amount includes interest computed and emedies. Whenyou are in default. the Credit Union rqay. after recon of any nght you have pa able at the Interest rate shownon page 1 on the loan from the dele inance charges begin under SIme law to cure your defaul require muneeate aymen of what you owe and take un I the loan is aid in full The amount of your final payment as well as total Finance Charge possession of the property without judicial process If aske . you romise to deliver the couateral and the total o payments will be somewhat more or less than the amounts disclosed if at a wne and |o a locahon of our choosmg In the case of a de au:1. if the coDateral s a motor payments are not received precisely on the due dates Whenrecented. your payment win be vehicle or boat. you agree that we mayobtain a key or a other device necessary to unlock and apphed in the order chosen by the Credit Union to finance charges, late charges. collection 0 erate it You authonze nght of en (other than to a welling) for repossession 11the Cre¦t costs. any other charges and to the pnncipal Unpaid interest will be paid by later pa ..ents and nion repossesses the collateral it wil not be responsible tor persons: roperty not covered win not be added to your principal balance If a share account is ledged as secun this loan by this Agreement that you leave inside the prop or that is attached to .he property The Gredit (descnted in the secunty section on page 1). you must keep ese shares equa to your toan Union wil: try to retum that property to you A er the Credit Union takes possession of the b alance until you repay all of what you owe property. it can sell it and apply the moneyto what you owe Yoi, will be gwen notice of any Prepayment: You may prepay aUor part of our loan at anytime without penany However. if a public sale or the date when a nvate safe will be held The Creÿt Union wilf deduci ds balance remains owing you are still requi to makeyour regular periodic payments A partial expenses for taking possession of e property and for any commerciall reasonable preparation attomeys- payment wig not automatically reduce your penodic payment unless the remaining amount owed or processing. storage and fees to the extent pernutted un er state law or awarded is less than the penodic payment under the Bankruptcy Code The rest of the sale mone wil be applied to what you owe Each debtor wilt have to pay any amount remaining unpaid a er sale moneyhas been appaed to what Skip Payments At the Credit Union's option and on terms westate from time to time. we may you owe You will pay interest on mat amount at the applicable ·ate unt.1 'he amount has Deen allow you to skip payments. which means you may be allowed to skip indwidual installment repai payments if you accept an skip a ent. you understand that the Finance Charge dady interest rate will continue to e appie However. no late charges will apply for authonze skip Late Charge If any payment is madelate. you may be charged a late charge You agree to pay payments . urther. no skip yment will extend the term of any debt protection pokey you may the !ate charge if any is disclosed on page 1 have obtained through the redit Union as part of this 10a'' Co-Borrower or Co-Signer If you are authenticating this Note as a co-borrower or co-signer. Property Insurance You promise to maintain propeny insurance in an amount necessary 10 ou waive any nght to require the Credit Union to attempt co ection of this Note from the onma, protect our secunty interest in the collateral, with the credit unen namedas loss payee for our orrower first You agree to be equally and severally responsible with the first borrower for a I protection Such insurance shall protect against loss by fire. theft, and cogision and will provide obhgations under this Note You understand that the terms of this Note ep ly to u as well as to nsks" the pnmary borrower and you waive any requirement that you be noti led o changes in the 80 hun insurance anthe case of aircraft or boats and accessones thereto. d any You may provide the required prope insurance throu h an existing policy or by a obcy you terms of this Note or any Secunty Agreement for this Note independently obtain and pay or from a person o your own choosing. providing suc person is Debt Protection: The purchase of Debt Protection coverage is optional You must meet all dehver satisfactory evidence of the insurance pokcy reasonably acce table to us You a ree (o eligibili requirements to be ehgible for coverage If you are eligible for and elect a Joint to us within any ime enod specifie in any notice from us or on our behalf If you do not get or Protect on Option, the terms "You" and "Your in this agreernent and in the Debt Protection keep this insurance. e may. at our sole option, obtain insurance to protect our interest and add Amendmentrefer to both the Borrower and Co-8orrower. who are jointly and severaUy hable its costs to your loan and you agree to pay for it (by such meansas increasing your payment or under the loan a reement Debt protection coverage will not be provided unless ou sign increasing your loan term) Weare under no obhgation to obtain insurance on your behalf If we the debt protect on amendmentto your loan sccount and agree to pay the fee sclosed do obtain insurance. the cost of obtaining that msurance may be added to y