Preview
FILED: KINGS COUNTY CLERK 06/11/2024 02:32 PM INDEX NO. 535010/2023
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 06/11/2024
EXHIBIT
C
FILED: KINGS COUNTY CLERK 06/11/2024 02:32 PM INDEX NO. 535010/2023
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 06/11/2024
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF KINGS
------------------------------------------X INDEX NO.: 535010/2023
NEW RESIDENTIAL MORTGAGE LOAN TRUST 2017- DATE FILED:
3,
Plaintiff, SUPPLEMENTAL
-v- SUMMONS
FIRST FINANCIAL EQUITIES, INC., TOUVI ASSIS
A/K/A TOUVIA ASSIS, if they be living and if they be
dead, the respective heirs-at-law, next-of-kin, distributees,
executors, administrators, trustees, devisees, legatees,
assignees, lienors, creditors and successors in interest and
generally all persons having or claiming under, by or
through said defendant who may be deceased, by purchase,
inheritance, lien or inheritance, any right, title or interest in
or to the real property described in the Verified Complaint,
Defendant(s),
------------------------------------------X
TO THE ABOVE-NAMED DEFENDANTS:
YOU ARE HEREBY SUMMONED and required to serve upon Plaintiff’s attorney an
answer to the Complaint in this action within twenty (20) days after the service of this Summons,
exclusive of the day of service (or within thirty days after service is completed if the Summons is
not personally delivered to you within the State of New York); and in case of your failure to
answer, judgment will be taken against you by default for the relief demanded in the Complaint.
The basis of the venue designated is the County of KINGS, as the Property that is the subject of
this action is located in KINGS County, New York.
Dated: ________ day of _____________, 2024
West Palm Beach, Florida
ALDRIDGE PITE, LLP.
________________________________
By: Susan A West, Esq.
Attorneys for Plaintiff
40 Marcus Drive, Suite 200
Melville, NY 11747
631-454-8059
FILED: KINGS COUNTY CLERK 06/11/2024 02:32 PM INDEX NO. 535010/2023
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 06/11/2024
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF KINGS
------------------------------------------X INDEX NO.: 535010/2023
NEW RESIDENTIAL MORTGAGE LOAN TRUST 2017- DATE FILED:
3,
Plaintiff, VERIFIED COMPLAINT
-v- FOR DECLARATORY
JUDGMENT
FIRST FINANCIAL EQUITIES, INC., TOUVI ASSIS
A/K/A TOUVIA ASSIS, if they be living and if they be
dead, the respective heirs-at-law, next-of-kin, distributees,
executors, administrators, trustees, devisees, legatees,
assignees, lienors, creditors and successors in interest and
generally all persons having or claiming under, by or through
said defendant who may be deceased, by purchase,
inheritance, lien or inheritance, any right, title or interest in
or to the real property described in the Verified Complaint,
Defendant(s),
------------------------------------------X
Plaintiff, by its attorneys, ALDRIDGE | PITE, LLP, complaining of Defendant(s),
alleges:
1. This action is brought pursuant to Article 15 and Article 19 of the Real Property
Actions and Proceedings Law to seek declaratory judgment.
2. The premises affected by this action is, at the time of the commencement of this
action, and at the time of filing of this notice, situated in the County of KINGS, State of New
York, Block: 7109 | Lot: 40, on the land and tax map of the County of KINGS, State of New
York, more fully described in the annexed Schedule “A,” commonly known as and by 2136 East
7th Street, Brooklyn, NY 11223 (the “Property”)
PARTIES
3. NEW RESIDENTIAL MORTGAGE LOAN TRUST 2017-3 is the Plaintiff
(hereinafter referred to as "Plaintiff"). At all times herein mentioned, Plaintiff was, and still is a
corporation organized and existing under and by virtue of the laws of the United States of
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America, and authorized to do business in the State of New York.
4. Defendant, FIRST FINANCIAL EQUITIES, INC., is the mortgagee of record for
a certain Consolidated Mortgage encumbering the Property and recorded in the Office of the
Clerk of the County of KINGS on March 6, 2003, in CRFN: 2003000036939. Defendant, FIRST
FINANCIAL EQUITIES, INC., is no longer in business, having a former address of 25
Rockwood Place, Englewood, NJ 07631.
5. Defendant, TOUVI ASSIS A/K/A TOUVIA ASSIS, was, and remains, the record
owner of the real property and improvements located at 2136 East 7th Street, Brooklyn, NY
11223 (the “Property”), and upon information and belief, is still a resident of the State of New
York.
STATEMENT OF FACTS
6. TOUVI ASSIS A/K/A TOUVIA ASSIS is the owner of the Property by virtue of a
deed from Jacques Beida and Adele Beida, dated April 17, 2001, and recorded on May 7, 2001,
in the Office of the KINGS County Clerk in Reel 5150, at Page 1119. A true and correct of said
deed is attached hereto as Exhibit A.
7. On December 9, 2002, TOUVI ASSIS A/K/A TOUVIA ASSIS, executed a
Consolidated Note in the original principal amount of $455,000.00 in favor of FIRST
FINANCIAL EQUITIES, INC. (the “Consolidated Note”). A true and correct copy of the
Consolidated Note is attached hereto as Exhibit B.
8. To secure repayment of the Note, TOUVI ASSIS A/K/A TOUVIA ASSIS,
executed a Consolidation, Extension, and Modification Agreement, dated December 9, 2002, in
favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR
FIRST FINANCIAL EQUITIES, INC. encumbering the Property and recorded in the Office of
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the KINGS County Clerk on March 6, 2003 in CRFN: 2003000036939 (the “Consolidated
Mortgage”). A true and correct copy of the Consolidated Mortgage is attached hereto as Exhibit
C. (The Consolidated Note and Consolidated Mortgage are collectively referred to herein as the
“Loan”).
9. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING
SOLELY AS A NOMINEE FOR FIRST FINANCIAL EQUITIES, INC. assigned all of its rights,
title and interest in the Consolidated Mortgage by way of an assignment executed June 17, 2009
to THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATE HOLDERS OF
CWALT, INC. ASSET-BACKED CERTIFICATES, SERIES 2003-5T2 and recorded in the
Office of the Clerk of the County of KINGS on October 6, 2009 in CRFN: 2009000323282
(“AOM 1”). A true and correct copy of AOM 1 is attached hereto as Exhibit D.
10. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING
SOLELY AS A NOMINEE FOR FIRST FINANCIAL EQUITIES, INC. assigned all of its rights,
title and interest in the Consolidated Mortgage by way of an assignment executed September 23,
2009 to THE BANK OF NEW YORK MELLON F/K/A THE BANK OF NEW YORK, AS
TRUSTEE FOR THE CERTIFICATE HOLDERS OF CWALT, INC ASSET-BACKED
CERTIFICATES, SERIES 2003-5T2 and recorded in the Office of the Clerk of the County of
KINGS on December 21, 2009 in CRFN: 2009000417666 (“AOM 2”). A true and correct copy
of AOM 2 is attached hereto as Exhibit E.
11. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS
NOMINEE FOR FIRST FINANCIAL EQUITIES, INC., ITS SUCCESSORS AND ASSIGNS
assigned all of its rights, title and interest in the Consolidated Mortgage by way of a Corrective
Assignment executed May 31, 2019 to THE BANK OF NEW YORK MELLON FKA THE
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BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE
CWMBS, INC., ALTERNATIVE LOAN TRUST 2003-5T2, MORTGAGE PASS-THROUGH
CERTIFICATES, SERIES 2003-13 and recorded in the Office of the Clerk of the County of
KINGS on January 7, 2020 in CRFN: 2020000006885 (the “Corrective AOM”). The purpose of
the Corrective AOM is to correct the Assignee verbiage on AOM 1, recorded October 6, 2009 in
CRFN: 2009000323282 and to replace AOM 2 recorded on December 21, 2009 in CRFN:
2009000417666. A true and correct copy of the Corrective Assignment is attached hereto as
Exhibit F.
12. The Consolidated Note and Consolidated Mortgage consolidates two different
loans given by TOUVI ASSIS A/K/A TOUVIA ASSIS.
13. On April 17, 2001, TOUVI ASSIS A/K/A TOUVIA ASSIS, executed a Note in the
original principal amount of $450,000.00 in favor of SI BANK & TRUST (“Note 1”). A true and
correct copy of Note 1 is attached hereto as Exhibit G.
14. To secure repayment of Note 1, TOUVI ASSIS A/K/A TOUVIA ASSIS, executed
a Mortgage, dated April 27, 2001, in favor of SI BANK & TRUST encumbering the Property and
recorded in the Office of the KINGS County Clerk on May 7, 2001in Liber 5150, at Page 1122
(“Mortgage 1”). SI BANK & TRUST F/K/A STATEN ISLAND SAVINGS BANK assigned all
of its rights, title and interest in Mortgage 1 by way of an assignment executed December 9,
2002 to FIRST FINANCIAL EQUITIES, INC., ITS SUCCESSORS AND/OR ASSIGNS and
recorded in the Office of the Clerk of the County of KINGS on March 6, 2003 in CRFN:
2003000036937. A true and correct copy of Mortgage 1 and the Assignment are attached
collectively hereto as Exhibit H. (Note 1, Mortgage 1 and the Assignment are collectively
referred to herein as “Loan 1”).
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15. On December 9, 2002, TOUVI ASSIS A/K/A TOUVIA ASSIS, executed a Note in
the original principal amount of $10,614.81 in favor of FIRST FINANCIAL EQUITIES, INC.
(“Note 2”). A true and correct copy of Note 2 is attached hereto as Exhibit I.
16. To secure repayment of Note 2, TOUVI ASSIS A/K/A TOUVIA ASSIS, executed
a Mortgage, dated December 9, 2002, in favor of FIRST FINANCIAL EQUITIES, INC.
encumbering the Property and recorded in the Office of the KINGS County Clerk on March 6,
2003 in CRFN: 2003000036938 (“Mortgage 2”). A true and correct copy of Mortgage 2 is
attached hereto as Exhibit J. (Note 2 and Mortgage 2 are collectively referred to herein as “Loan
2”).
17. Upon information and belief, on or about March 23, 2006, the Consolidated Note
and all rights and title thereto, was transferred to the Plaintiff by FIRST FINANCIAL
EQUITIES, INC., by actual delivery of the original Note to the custodian for the Plaintiff.
18. An assignment of mortgage memorializing this transfer was not recorded and
cannot now be found; a duplicate assignment is not possible because the original lender is no
longer in business. The Plaintiff remains in possession of the original collateral file which
includes the original Note.
19. Upon information, belief, and review of company records, on or about January 7,
2022, the Mortgage was paid in full by the borrower. See Exhibit K.
20. FIRST FINANCIAL EQUITIES, INC. dissolved on January 26, 2011. A true and
correct copy of the New York State Secretary of State Business Search is attached hereto as
Exhibit L.
21. Upon information and belief, no other person or entity has any present actual or
potential right, title or interest, legal or equitable, in the Mortgage.
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COUNT 1: DECLARATORY JUDGMENT
22. That Plaintiff repeats and realleges each and every allegation contained in
paragraphs “1” through paragraphs “21” above with the same force and effect as if set forth at
length herein.
23. Plaintiff has an equitable interest in the Mortgage.
24. This declaratory action is necessary because upon information and belief the
mortgage loan has been paid off, and must be released.
25. Plaintiff cannot obtain an assignment from FIRST FINANCIAL EQUITIES, INC.
because it is no longer in existence (Exhibit L).
26. Upon information and belief, other than Plaintiff, no other person or entity claims
an interest as the secured party under the Consolidated Mortgage.
27. Therefore, Plaintiff is entitled to declaratory relief from this Court, in the form of
a declaration to be recorded in the land records, declaring that (i) FIRST FINANCIAL
EQUITIES, INC. and its successors and assigns (other than the Plaintiff) retain no rights or
interest in and to the Consolidated Mortgage, and (ii) that Plaintiff and its successors and/or
assigns shall thereafter be considered the mortgagee of the Consolidated Mortgage for all legal
purposes.
28. Plaintiff has no adequate remedy at law and therefore seeks the equitable relief
requested herein.
COUNT 2: DECLARATORY JUDGMENT
29. That Plaintiff repeats and re-alleges each and every allegation contained in
paragraphs “1” through paragraphs “28” above with the same force and effect as if set forth at
length herein.
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30. Plaintiff has an interest in the Property by virtue of being the equitable owner of
the Loan.
31. Upon information and belief, the Loan has been paid in full.
32. Upon information and belief, a discharge of mortgage was not recorded as
Plaintiff is unable to obtain an assignment of mortgage from FIRST FINANCIAL EQUITIES,
INC., because it is no longer in business (Exhibit L).
33. Defendant mortgagee of record, FIRST FINANCIAL EQUITIES, INC., dissolved
on January 26, 2011 (Exhibit L).
34. Upon information and belief, other than Plaintiff, no other person or entity claims
an interest as the secured party under the Loan.
35. This action is necessary because, upon information and belief, the Loan was paid
off, and the Consolidated Mortgage must be discharged of record.
36. Plaintiff has no adequate remedy at law and therefor seeks the relief requested
herein.
37. Upon information and belief, the judgment in this action will not affect persons
not yet in being or ascertained at the commencement of this action who, by any contingency
contained in a devise, grant or otherwise, could afterward become entitled to a beneficial estate
or interest in the premises.
38. Upon information and belief, the Defendant was a corporation or company, and no
person or entity named herein is an infant, is mentally retarded, is mentally ill, or is an alcohol
abuser.
39. Upon information and belief, all person in being who would have been entitled to
a beneficial estate or interest in the premises by virtue of any contingency contained in a devise,
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grant or otherwise, if such event had happened immediately before the commence of this action,
are parties to this action.
40. No personal claim is made against any party to this action except any party that
shall assert a claim adverse to the claim of Plaintiff as set forth in this Complaint.
41. Therefore, Plaintiff, pursuant to Article 19 of the Real Property Actions and
Proceedings Law, is entitled to an Order deeming the Consolidated Mortgage discharged of
record and compelling the County Clerk of KINGS to record the Order in the land records with
the Office of the County Clerk of KINGS.
WHEREFORE, Plaintiff respectfully requests this Court grant judgment in favor of
Plaintiff and as against Defendants as follows:
A. Order, confirm, and ratify, nunc pro tunc, the transfer of rights contained in the
Consolidated Mortgage given to FIRST FINANCIAL EQUITIES, INC., dated
December 9, 2002, and recorded in the Office of the Clerk of the County of KINGS
on March 6, 2003, in CRFN: 2003000036939, were transferred to Plaintiff;
B. Determine and declare that FIRST FINANCIAL EQUITIES, INC. has no further
interest in the Property, and that full right, title and interest, in the Consolidated
Mortgage vested in Plaintiff;
C. Determine and declare the superior and exclusive rights which Plaintiff has in the
Consolidated Mortgage, and that any right or interest FIRST FINANCIAL
EQUITIES, INC. may have retained in the Consolidated Mortgage are subordinated,
transferred to, and vested in Plaintiff and its successors and/or assigns; and
D. Declare the Consolidated Mortgage dated December 9, 2002, and recorded in the
Office of the Clerk of the County of KINGS on March 6, 2003 in CRFN:
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2003000036939, discharged of record and directing the Clerk of the County of
KINGS to record the Order declaring the Consolidated Mortgage discharged; or in the
alternative
E. Determine and declare that Plaintiff has the right, title and interest in the Consolidated
Mortgage to file a Discharge of Mortgage with the Office of the Clerk of the County
of KINGS; and
F. Grant such other relief as the Court may determine proper.
Dated: ________ day of _____________, 2024
West Palm Beach, Florida
ALDRIDGE PITE, LLP.
________________________________
By: Susan A West, Esq.
Attorneys for Plaintiff
40 Marcus Drive, Suite 200
Melville, NY 11747
631-454-8059
FILED: KINGS COUNTY CLERK 06/11/2024 02:32 PM INDEX NO. 535010/2023
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 06/11/2024
VERIFICATION
State of: )
County of: )
______________________________, being duly sworn, deposes and says:
That he/she is a(n) _____________________________ of NEW RESIDENTIAL
MORTGAGE LOAN TRUST 2017-3, the Plaintiff in this action. I have read the foregoing
Complaint and know the contents thereof. The same are true to my knowledge, except as to
matters therein stated to be alleged on information and belief and as to those matters, I believe
them to be true.
To the best of my knowledge, information and belief, formed after an inquiry reasonable
under the circumstances, the presentation of these papers or the contentions therein are not
frivolous as defined in Subsection (c) of Section 130-1.1 of the Rules of the Chief Administrative
Judge (22 NYCRR).
______________________________
Name:
Title:
UNIFORM CERTIFICATE OF ACKNOWLEDGEMENT (Outside New York State)
The foregoing instrument was acknowledged before me by means of [ ] physical presence or [ ]
online notarization, this ____ day of ________________ 20___, by
______________________________ as_________________________________________ of
NEW RESIDENTIAL MORTGAGE LOAN TRUST 2017-3, by its attorney-in-fact PHH
Mortgage Corporation, who is personally known to me or who has produced
_____________________ as identification.
____________________________
Signature of Notary Public
Name of Notary Public: ______________________
Notary Commission Expiration Date: ___________________
Personally known:_________
OR Produced Identification:__________
Type of Identification Produced:________
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SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF KINGS
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - X INDEX NO. 535010/2023
NEW RESIDENTIAL MORTGAGE LOAN TRUST 2017-3,
CERTIFICATE OF
Plaintiff, CONFORMITY
-v-
FIRST FINANCIAL EQUITIES, INC., TOUVI ASSIS A/K/A
TOUVIA ASSIS,
Defendant(s),
----------------------------------------------X
STATE OF )
) ss.:
COUNTY OF )
The undersigned does hereby certify that he/she is an attorney at law duly admitted to
practice in the state of _______________ and presently residing at _______________County in
the State of ____________________; that he/she is a person duly qualified to make this
certificate of conformity pursuant to Section 299-a of the Real Property Law of the State of New
York; that he/she is fully acquainted with the laws of the State of _____________ pertaining to
the acknowledgement or proof of deeds or real property to be recorded therein; that the foregoing
acknowledgment by ___________________ named in the foregoing instrument taken before
____________________, a notary public (or other officer) was taken in the manner prescribed
by such laws of the State of___________________, being the state in which it was taken; and
that it duly conforms with such laws and is in all respects valid and effective in such state.
Witness my signature this ___ day of __________________, 20__.
Attorney-at-Law for the State of_______
Member of Florida Bar
Bar Number:
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EXHIBIT A
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EXHIBIT B
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C 480LIDATED
CERTFIED1RUECOPY
This amends and re at ates in their
Mot;e entirety, and is given in _substitution
for. the Notes described in Exhibit A of the NewYork Consolidatian, Extension ,
and Nodificatica Ågreement dated same data as this Nets.
(Deal (¤UI lamal
December 9 , 2002 MONSEY Bew 1fork
2US EAST 7TH STREET , Brooklya , NWU223--
(Fapaty Addrm)
l. BORR9WER'S
PROMIStT0 PAY
In reura for a loan that Ehave receive( 1promise to
pay U.S. 3 455, 000.00 (this mmauntis called "Priadpal"1,
phfsinterest,,to dgeorder of the Lander. The Lander is Firs t Pittancial
Eq ities , Inc . , a New York
Corporation
Ewin makean ysymoute ander this Note In the form of
cash, check er aspay enhr.
1 undernmod the the Lamict mayanasftr Gds Nok
The Leader or sayens whototes this Nose by transfer and whois
entitled to active payments under this Note is caBed Ge "Note Holder."
L BfTEREST
Interest eiH be chaged on sqpaid principal until the feU smount of Prlacipal has been paid. I win
pay kssesst at a yearly
rate of 6. 8750
The interest raterequired by this Section 2 is the rate Iwin pay bath berate and after any doAndt described in Section
6(B)
of this Nate.
3, PAYAIENTS
(A) That sed Place of Payments
I will pmy principal and itesset by anaking a payment every monet
I will male ary nmnthly smpnent na the 1st dig of each senth beginning on Pebruary 1, 2003 . I wUI
nake these payagenm every month until I have paid aHof the principalsod interest and any other charges desaibed below that I
mayemt gadce this Note. Ba:h monthly pmpment will be applied es of in scheduled due date sad wm be appiled to interest
before Principal. 16 on Janpary a , assa , 1stin oweanketmts ander thim Note, I wilt pay these amowsts in fuU en
that date, which ja called the "Maturity Dese
I will makemy inanthly paymenaat as Raciewood Place
Englewood, NJ 07631 or at a diNarent place ifrequired by the Note Holder.
Øt) Azzoant of Monthly Payments
Mymonthly payment win be in the amozerof U.S. 52,989 .03
4. BORROWER'5
RIGHTTOPREPAY
I have dueright mmakepayments of Prindpalat any thne before rbey are dat A
payment of Principal only is known as a
*Prepayment"
WhenI makea hapayment, I wiD taH the Note Holder in writing the I nmdoing so. I
nay not designats a
payment as a Prepayment if I have act made all the toonthly payments due ander the Note.
I maymakea thil Prepayment or partial Prepayments without paying a Prepaymmentc The Note Nolder win use my
Prepaymena to reduce the amount of Principal that I ows under this Note. Neuever, the Note Holder may
apply mw'
Prepayment to the accrued and unpaid interest on the Prepayment amount. before applying
my Pr syment to reduce the
Priceipal meanntof the Notr. If I make a pardal Prepayment, there wlU be mech"nfa in the des does or in the smosmtof
my
inouhly payment unless the Note Holder agrees in wsfting to those changer
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FILED: KINGS COUNTY CLERK 06/11/2024 02:32 PM INDEX NO. 535010/2023
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 06/11/2024
5, LOANCHARGES
If a leg which applies to this loan and which sets
analanxn lean chuses, is 6astly interpreted so ther the intnest ar o4er
lost sheqp:s selbered or to be coHected in cosamation
with this loan ~=d the pennitsed lhnits. then: (s) any such loan clerge
shan be reduced by the emeant =""""ry to reduce the charge to the penuitted
limiti eiid (b) any smanaheady conectal funn
ne which exceeded permitted limits win be remndedto ec. The Nott
Rohler maychoosa to nake dais refbad
Principal I owe under this Note or by seducing che
by making a dircut paymentto me. Ita reamd reduces Principal, the reduction wiU be treated
as a partial Prepayment
6. BORROWER's
FAILURETOPAYAS REQUHtED
(A} Late Charge for Ourdue Payments
If the Note Holder has not received the full
amouotof any momedypaymget by the and of 15 calendar days .
aner the damit is due, I win
pn a Isecharge to theNote Holder. The amount of the charge will be a.ocoa of %
myoverdue payment of principal and intregt I will pay this Inte charge
prompsy but only once on each late payment.
(s) Detants
If I do not pay abc fun amount ofench
monthly payment an the date it is dus, I win be in default
(C) Notice of Defealt
If I amin default. the Note Holder
may send ate a written notice telHag,ne due If I do nor pay the everdue smount a
termin dam, the Note Holder ony require meto by
pay immediaidy the thu amassof Principal which has not been paid and an
the interest Art I one on that amount Tbst drie aust be st leam
30 days nfler the date on which the antice is tamiled to ene or
delivered by other means.
(D)NoWaiver By Note Bolder
Even %at a time when I amin defa6r, the NemeHokfer does not require
me to pay immediately in fun as described
above, the Note Holder wRI stin have the tight to do so if I emin deflmit at a later tene..
(E) Paymensof Note Holder's Costs sed Expenses
Nthe Note Holder has required ate to pay
imm±Entely in fuB as described abo¾ the Note Holder win beve the right to
be paid back by mefor sM of Rs costa and expenses in
safetcing this Note to the extent not prohibited by spplinutde law. Those
expeason inchair, for example, -easonable sterneyt fees.
L crvzNG 0F NOffCggs
Unless applicable Ism requhes a different racibodL
any solice that must be given to meunder this.Note will be given by
deHwering it or by mailing ft by first class resil to see at the Property Address above or st a disgrant address if 1 give the Note
Holder a notice of mydithreat addrest
Any notice that anst be given to ths Note Holder under this Note will be given by delivering it ar by mailing it
clusa mail to the Note Holde at the address stanxI in Section