Preview
STATE OF NEW YORK
SUPREME COURT COUNTY OF CAYUGA
NBT BANK, NATIONAL ASSOCIATION,
ORDER TO SHOW CAUSE
Index No.:
Assigned Judge:
TRACEY L. BREESE,
Defendant.
UPON, the SUMMONS and VERIFIED COMPLAINT herein, and the annexed
AFFIDAVIT of Kathy L. Black, Assistant Vice President of NBT Bank, National Association, the
Plaintiff herein, sworn to on the 25th day of March, 2024; it is hereby
ORDERED, that the Defendant Tracey L. Breese, or her attorneys, show cause before
this Court at a special term thereof to be held at the Cayuga County Courthouse, 160 Genesee
Street, Auburn, New York on the ___ day of , 2024 at 9:30 a.m., or as soon
thereafter as counsel can be heard, why an order should not be made herein pursuant to §7102
of the Civil Practice law and Rules of the State of New York ("CPLR"), directing the Sheriff of any
County where the collateral described in the aforesaid Affidavit is found, to seize the same; and it
is further
ORDERED, that one (1) business day prior to the return date, the Plaintiff shall file an
affidavit clearly identifying the collateral to be seized and the value of the collateral in accordance
with CPLR §7102; and it is further
ORDERED, that sufficient reason appearing therefore, let copies of the SUMMONS,
VERIFIED COMPLAINT and this ORDER TO SHOW CAUSE, together with the papers upon
which it is based, be served upon the defendant Tracey L. Breese in accordance with CPLR
§308, and that service as aforesaid on or before the ___ day of April, 2024 shall be deemed
good and sufficient service thereof; and it is further
ORDERED, that affidavits and/or other papers in response to the application for an
ORDER OF SEIZURE shall be filed and shall be served so that said responsive papers shall be
received by Plaintiff's attorneys not later than the ____ day of , 2024.
Signed this _ day of March, 2024, at , New York.
Hon.
Justice, Supreme Court
\\apps1\bapclaw$\4400.957 Breese\OSC.doc
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STATE OF NEW YORK
SUPREME COURT COUNTY OF CAYUGA
NBT BANK, NATIONAL ASSOCIATION,
AFFIDAVIT
Plaintiff
Index No.:
-against- Date Filed:
TRACEY L. BREESE,
Defendant.
STATE OF NEW YORK )
) ss.:
COUNTY OF CHENANGO )
KATHY L. BLACK, being duly sworn, deposes and states that:
1. I am an Assistant Vice President of NBT Bank, National Association (the
"Plaintiff"), a national banking association organized and existing under the laws of the United
States of America having an office for the transaction of business at 52 South Broad Street,
Norwich, New York 13815.
2. I make this Affidavit in support of Plaintiff's application for an ORDER OF
SEIZURE.
3. This Affidavit is based upon my personal knowledge and a review of the
Plaintiff's books and records.
4. Defendant Tracey L. Breese is an individual who resides at, upon information
and belief, 25 Columbus Street, Apt. #1A, Auburn, New York 13021.
5. On or about November 22, 2019, the Defendant made and delivered to NBT Bank,
National Association, for value received, a PROMISSORY NOTE (the "Note"), in writing, dated on
that day, whereby she promised to pay to the order of NBT Bank, National Association, its
successors or assigns, the sum of Sixty Nine Thousand Four Hundred Forty Seven and 11/100
Dollars ($69,447.11) with interest, all as set forth in the Note, a copy of which is attached hereto and
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made a part hereof as Exhibit "1".
6. The Note is secured by, among other things, a security interest and lien with
respect to a 2020 Champion Redman Northwood mobile home, Serial Number:
122000HA008233AB (the "Collateral"), which security interest was pledged by Defendant
pursuant to a CONSUMER SECURITY AGREEMENT dated November 22, 2019, a copy of
which is attached hereto and made a part hereof as Exhibit "2".
7. The Plaintiff perfected its first priority security interest and lien with respect to the
Collateral as evidenced by the NYS Department of Motor Vehicles Lien Verification Report, a copy
of which is attached hereto and made a part hereof as Exhibit "3".
8. The Defendant failed or refused to pay installments of principal and interest due as
required by the repayment terms set forth in the Note.
9. An event of default exists under the Note by reason of the Defendanes failure or
refusal to make the payment due on October 2023 and on the 23rd of each month
23, day
thereafter.
10. The amount due the Plaintiff on account of the indebtedness evidenced by the
Note is, as of March 25, 2024, Sixty Five Thousand Six Hundred Thirty One and 87/100 Dollars
($65,631.87) consisting of principal in the amount of Sixty Two Thousand Seven Hundred Two
and 26/100 Dollars ($62,702.26), interest to March 25, 2024 in the amount of Two Thousand
Three Hundred Eighty and 37/100 Dollars ($2,380.37), late fees in the amount of Twenty Five
and 00/100 Dollars ($25.00), and negative escrow in the amount of Five Hundred Twenty Four
and 24/100 Dollars ($524.24).
11. Interest accrues at the per diem rate of Twelve and 87/100 Dollars ($12.87) for
each day subsequent to March 25, 2024.
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12. The Plaintiff has demanded, and hereby demands, that the Defendant surrender
possession of the Collateral to or at the direction of the Plaintiff, but the Defendant has failed and
refused to deliver the Collateral and still refuses to do so.
13. The Defendant is in possession of, and wrongfully retains from the Plaintiff, the
Collateral.
14. The Collateral is located at 2006 Nauvoo Road, Port Byron, New York, which is real
property owned by Defendant and her husband. The Collateral is presently occupied by
Defendant's daughter and her family. The occupants have refused to vacate the Collateral. Plaintiff
is unable to repossess the Collateral by consent or, upon information and belief, without a (possible)
breach of the peace.
15. The Plaintiff is entitled to the Collateral pursuant to its rights as a secured creditor.
16. The Plaintiff is presently unable to accurately state the value of the Collateral, and
respectfully requests that the Court defer its decision with respect to the amount of the undertaking
to be required herein until such time that an inspection of the Collateral can be made and an
accurate value of the Collateral determined.
17. The Plaintiff is prepared to deliver an appropriate undertaking to the Court as
directed at the time this Court considers Plaintiffs application for an ORDER OF SEIZURE.
18. In order to protect the Plaintiff's rights and the Collateral, this action has been
commenced prior to the submission of this Affidavit to the Court.
19. Plaintiffs application for an ORDER TO SHOW CAUSE is made ex parte. The
Plaintiff does n_ot seek any preliminary relief in the ORDER TO SHOW CAUSE.
20. No prior application has been made for the relief requested herein.
21. I am aware of no defenses to the action or the relief sought.
REMAINDER INTENTIONALLY BLANK
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WHEREFORE, NBT Bank, National Association respectfully requests that the Court
grant the annexed ORDER TO SHOW CAUSE and thereafter grant Plaintiffs application for an
ORDER OF SEIZURE together with such other and further relief as the Court may deem just
and proper.
th L. Black
S to before me this
of March, 2024.
otéry public
APCLAW¼400.957 Braese\Black.Affldavit.doc
JAYNE WADE
Notary Public - State of New York
No 01WA6102801
Qualified in Chenango County
My Commission Expires Dec. 08, 20Â
EXHIBIT 1
PROMISSORY NOTE
Principal Loan Date Maturity Loan No call / cell Account Officer initials
S69,447.11 11-22-20i9 11-22-2039 20 D24
Referencesin theboxesaboveareIor Leadersuseonly anddo not limitthe applicabilityof thisdocumentto
anyparticularloanor item.
Any lemabovecontaining"***" hasbeenornitteddueto textlengthlimitations,
Borrower: TraceyL. Brease Lender: HBTBank,NationalAssociation
2008 NauvooRd NorwichOffice
PortByronNY 13140 52 SouthBroadStreet
P0 Box361
Norwich,NY 13616
Principal Amount: $69,447.11 Interest Rate: 7.490% Date of Note: November 22, 2019
PROhUSE TOPAY. To repaymy loan,I ("Borrower")promiseto pay to NBT8ank,NationalAssociation
the UnitedStalesof Amedca,the principalamoungof Sixty-nineThousandFourHundredForty-seven FLender"Lor order,in lawful moneyof
& 111100Dollars together
with Intereston the unpaidprincipalbalancefrorn November22, 2019, calculatedas describedin the MNTEREST ($69,447.1f),METHOD"
CALCULAYt0N
paragraphusinganinterestrate of 7.490%per annum,until paid to fult Theinterestratemay changeunderthe termsandconditions
"iNTEREST AFTERDEFAULT" of the
section.
PAYMENT,I will pay this loanin 239 paymentsof $558.96 eachpaymentand an irregularfastpaynientestimatedat
payntentis dueDecember22, 2019, andallsubsequent $6$1.49. My first
paymentssa dueon thesame of sachmonthafterthat. My finalpaymentwill be
dueon November22, 2039, andwill befor all pilocipalandall accruedinterestnot yetday paid. Payments includeprincipaiandinterest Unless
otherwiseagreedor requiredby applicable law, paymentswill beappliedfirst to anyescrowor reserveaccountpaymentsasrequiredunder
mortgage,deedof trust, or other securityinstrumentor securityagreementsecuringthis Note; thento any accruedunpaidinterest;thenany to
principahandthento any tatecharges.
INTEREST CALCULATION METHOD.Interestonthis NoteIs computedona 3651365simpleinterestbasis;(hatis,
interestrateoverthenumberof daysInayear(386for all years,including by applyingthe ratioof the
leapyears),inultipliedby theoutstariding principalbalance,rnuhiplied
by the actuafnumberof daysthe principalbalance(s outstanding(but not IncludingFebruary29 In leapyears). Atl interestpayable underthis
Noteis computedusingthismethod.
RECElPT OFPAYMENTS.All paymentsmustbemadein U.S.dollarsandmustbereceivedby Lenderat:
NBTBanIsNationalAssociation
LoanOperations
POBox149
Canajoharie,NY 13317
Paymentsmustbe receivedconsistentwith the followingpaymentinstructions:if any written paymentinsffuctionsprovided the Lender
contain a remittanceaddressthat is differentthan the one above, sendyour paymentto the eddressprovidedon by
Instructions.Lenderrnay rnodify thesepaymentinstructions,includingchangingthe addressfor the written payment
payments, b y providing
instructionsto meInwriting. If a paymentis readeconsistentwith LenderspaymentInstnictionsbutreceivedafter 5:00 pmEastemTimeona updatedpayrnent
busjnessday,Lenderwill creditmy paymentonthenext businessday.
PREPAYMENT. I agreethat allloanfeesandotherprepaidfinancechargesareeamedfully asof the dateof thefoanandwill not berefundedto
me upon earlypayment(whethervoluntaryor as a resultof default),exce I as otherwiserequired
by law. Exceptfor the foregoing,I
pay without penalty all or a portion of the arnount owed ear fer than it is due, EarlypaymenIswill not, unlessagreedmay to by
Lenderin writing, relieveme of my obligationto ODntinue to makepaymentsunderthepaymentschedule.Rather,earlypayrnentswill reduce
the principalbalancedueand may resuitin my makingrewerpayments.I agreenot to sendLenderpaymentsrnarked"paidin
recourse" or similarlanguage.If I sendsucha payment,Lendermay acceptit without losingany of Leadetsfightsunderthis full %vithout
remainobligatedto payany furtherarnountowedto Lender.AII written communications Note, andl witi
full" concerning disputedamounts,includingany checker
other paymentinstromantthat indicatesthat the paymentconstitutes"paymentin of the amountowedor that is tenderedwith other
conditionsor lirnitationsor asfull satisfactionof a disputedamountmustbemailedor deliveredto: HBT
BroadStreetNorwich,NY 13B16. Bank,NationalAssociation,62 South
LATECHARGE.If a paymentis mofethan10 daysfate, I will bechargedL000% of the unpaidportionof the
scheduledpaymentor
$6.00, whicheveris less. Totallatechargesfor this Zeanwill not exceedtwo percent(2%)of theZoanamountoregulady r twenty-fivedollars($26.00),
whicheveris less. ..
INTEREST AFTERDEFAULT.LIponmaturity,whetherschedu!edor accelerated by Lenderbecauseof mydefault,the total sumdueunderthis
Notewill contimreto accrueinterestat theinterestrateunderthis Note.
DEFAULT.I v3IIbein defaultunder1hisNoteif any of the followinghappen:
-PaymentDefault I fall to makeanypaymentwhendueunderthis Note.
Break.DtherPromises.I breakanypromisemadeto Lenderor fail to perforrnpromptlyat the timeand
this Noteor in anyagreernentrelated to this Note,or in anyo1heragreement stricily In the mannerprovidedin
or loanI havewith Leader.
FalseStatements.Any representation or statementmadeor furnishedto Lenderby me or on my behalfunderthis Noteor the related
. documentsis falseor misleadingin anymateriatrespect,eithernow or at thetirnemadeor
fumished.
Deathor insolvency,Any Borrowerdiesor becomesin.solvent;a receiveris appointedfor any.partof
(6rthe benefitof creditors;or anyproceeding rayproperty-I makean assigarnent
is commencedeitherby meor againstmeunderanybankmptcyof insolvencylaws.
Takingof the Property.Any creditoror governmental agencyides to takeany of the propertyor anyotherof my propertyin whichLender
has a lion. Thisincludestakingof, gamishingof cr Ievyingon my accounts with Lender. However,if I disputein goodfaith whetherthe
craimonwhichthe takingof the propertyis basedis validof reasonable, andif I give Leaderwrittennoticeof the claimandfumishLender
with moniesor a suretybondsatisfactoryto Leaderto satisfythe claim,thenthis defaultprovisionwill notapply.
DefectiveCollateralization. ThisNoteor anyof therelateddocumentsceasasto be in fulfforceandeffect
documentto createa validandperfectedsecurityinterestor lien)st any timeandfor anyreason. (includingfailureof any collateral
CollaterafDamageor Loss. Any collateralsecuringthis Note is lost, stolen,
. substantialdamageor destructionis not coveredby insurance. substantiallydamagedor destroyedand the loss, theft,
EventsAffectingGuarantor.Any of theprecedingeventsoccurswith respectto anyguarantor,
of any of the indebtednessor any guarantor,endorser,.surety, or accommodation endorser,surety,or accommodation party
disputesthe validityof, or Jiabilityunder,anyguarantyof theindebtedness party diesor becomesincompetent,or revokesor
evidencedby this No1e.
CureProvisions.If any default,otherthana defaultin payment,is curableandif I havenot beengivena noticeof a
. ,provisionof this Notewithin the precedingtweNe (12) months,it inay be curedif I, afterLender breachof 1hesame
sendswritten noticeto me demanding
cureof suchdefault: (1) curethe defaultvãthin lifteen (15) days;or (2) if the curerequiresfriorethanfilleen
(15)
initiatestepswhich Lenderdeemsin Lender'ssolediscretionto be sufficientto curethe defaultandthereaftercoolinueandcomplete days,immediately
an
reasonableandnecessarystepssufficientto producecomplianceassoonas reasonably practical
LENDER'S RIG@tTS. Upon default,Lenderin mostcaseswill sendme a noticeof defaultby registeredor certifiedmail. If Jdo not curethe
defaultwithin thirty (30) days fromthe pos1marked dateof the notice,Lendermaydeclarethe enlireunpaidprincipalbalanceunderthis Note
and all accruedunpaidinterest immediatelydus, and then I wiif pay that amount If, however, (a) I haveabandonedthe Property, (b) I
previouslyhavebeengiventwo (2) noticesof defaultváthin a one (1) year period,or (c) otherextremecircumstances existwhichjeopardize
the Property,Lendermay declarethe entireunpaidprincipalbalanceunderthis Noteandall accruedunpaid
will pay that amount interestImmediately due, andthenI
ATTORNEYS'. FEES:EXPENSES.If Lendersuesme to collect any emountI owe Leaderunderthis Note.I agreeto pay Leader'sreasonable
attorneys"feespluscourt costs,
JilRY WA1VER,Leaderand 1herebywaivetherightto anyjury thai in anyaction,proceeding,or counterclaim broughtby eitherLeaderor me
againsttheother.
GOVERNiNG LAW. ThisNotewill be governedby federallaw appficableto Lendscand, to theextentnot preempted federal
the Stateof NewYorkwithout regardto its conflictsof taw provisions.ThisNotehasbeenaccepted by fow, the |awsof
by Londerin theStateof NewYork.
DISHONORED ITEMFEE.I will paya feeto Landerof $20.00 if / makea paymenton my loanandthe checkor preauthorized
I pay is later dishonored. chargewith which
PROMISSORY NOTE
Loan N--.
(Continued) Page 2
RIGHTOFSETOFF.To the extentpermittedby applicab!alaw, Lenderreservesa right of seloff in a4
my accountswith Lender(whether
checking,say;ngs,or someother accountand whetherevidencedby a certificateof deposil). This indudesall accountsI ho:d
sorneone elseandallsecountsI rnayopenIn thefuture Hartever,thisdoesnot includeany IRAor Xeogh jointly with
which setoffwouldbe prohibitedby law. f authorizeLender.to the extentpermitted appLeable to accounts, or anytrust accountsfor
by l aw, chargeor setoffatisumsowingon
the indebtednessagainstanyandallsuchaccounts.
COLLATERAL. I acknow'edge this Noteis securedby the followingcoNateral describedin the securityinstrumentlistedhefe:n.
{A) a ConsumerSecurityAgreementdatedNovember22, 2019 inadeandexecutedbetweenTraceyL. BreeseandLeaderon collateral
des rbedas a mobHe hoine.
Hthemis anyinconsistency betweenthetermsandconditionsof thisNoteandthe terrnsandconditionsof theco3ateral theterms
andconditionsof thisNoteshallprevaiL documents,
VENDOR'S SINGLEINTEREST INSURANCE. Vendor'sSing!eInterestInsuranceis required I may choosethepersonthroughwhom Vendor's
SingleinterestInsuranceis to be obtained.Thisinsuranceis for the soleprotectionof you and
my interestis not covered.If obtanedthrough
you, thecostof suchinsuranceis $60.00.
SLICCESSOR INTERESTS.The termsof this Noteshall be bindinguponme, and upon rny heirs, personalrepresentatives
assigns,andshallinureto thebenefitof LenderandMssuccessorsandass?gns. successorsand
NOTIFYUSOFINACCURATE INFORMATION WE REPORT TOCONStIMER REPORTING AGENCIES.I maynotify Lenderif Lenderreportsany
inaccurateinformationaboutmy accoun1(s) to a consumerreportingagency.My written noticedescribingthespecificinaccuracy{tes)
sentto tenderat the fohowingaddressNBTBank,NationalAssociation52 Southaroad shouidbe
StrealNorvDch,NY13815.
GENERAL PROVIS10NS. if any partof this Notecannotbe enforced,this fact will not affect the restof theNote. Leader
enforcingany of its rightsor remediesunderthis Notewithout fosingthern. I sad any otherpersonwho signs,guarantees rnaydelayor forgo
or endorsesthis
Note, to the extentallowedby law, waivepresentment,demandfor payment,and noticeof dishonor. Uponany changein itte teñnsof this
Note,andunlessotherwiseexpresslystatedin writing, no partywho signsthis Note,whetheras maker,guarantor,accommodation makeror
endorser,shallbe releasedfrom liability. All suchpartiesagreethat Lendermay renewor extend(repeatedlyandfor any lengthof
loanor releaseanyparty or guarantoror co!Interal;or impair,fail to rearrzeuponor time)this
perfectLanderssecurityinterestin thecoUateralAll such
partiesalsoagreethatLendermaymodifythisloanwithoutthe consentof or noticeto anyoneotherthanthe
is made. The obligationsunderthis Notearejoint and several. Thismeansthat Ihe words "I", "mé", and "my"with
party whomthe modification
meaneachandall of the
personssigningbelow.
PRIORTO$IONINGTHISNOTE,I READANDUNDERSTOOD ALLTHEPROVISIONS OFTHISNOTE.I AGREE TOTHETERMS OFTHENOTE.
ACKNOWLEDGE RECElPT OFA COMPLETED COPYOFTHISPROMISSORY NOTE.
TraceyL.Bree
Originator Names arid Nationwide MOrtgage Licensing System and
Registry IDs:
Organization:MHDErnpIreService NMLSRID: 61371
individual:SuesanArcuri NMLSRID: 128580
I
!
EXHIBIT 2
CONSUMER SECURITY AGREEMENT
Principal Loan Date Maturity Loan No call / coll Account Officer initials
$69,447,11 11-22-2019 11-22-2039 20 D24
Referencesin theboxesabovearefor Lende'suseonly anddo not limit the applicabifityof thisdocumentto anyparticularloanor item
Any itemabovecontaining"***" hasbeenomilleddueto textlengthfimitations.
Grafitor: TraceyL areoso Lander: NOTnank,NationalAssociation
2006NauvooRd NorwichOffice
Poit Byron,NY 13140 62 SouthBroadStreet
POBox351
Norwich,NY 13815
THISCONSUMER SECURITY AGREEMENT datedNovember22, 2019, is enteredinto betweenTraceyL Breese(referredto belowas "I") and
N8T Bank,NationalAssociation(referredto belowas "Lender").
GRANTOFSECURRY INTEREST,To securethe Indebtedness describedherein(includingall obilgationsunderthe Notoandthis Agreement),I
grant to Landera security interest in all of the Propertydescribedbelow, I understandthat the following statementsset forth my
responsibilities,aswell as Lendersrigh1sconcomingthePropeaty,I agreeasfollows:
PROPERTY DESCRIPTION, Theword "Property"as usedIn this Agreementmeansthe followingdescribedpropertyin which I am gMng to
Leadera securityinterestfor the payrnentof the indebtedness andperformance of allotherobligationsundertheNo1eandthisAgreement:
2020 CHAMPION REDMANNORTHWOOD (SerialNumber122000HA008233AB)
Locatedat: 2006NauvooRd
PortByron,NY13140
In addition,theword "Property"alsoincludesall the following: any andall accessions, attachments,accessories,replacements of andadditions
lo any of the propertydescribedherein(suchas tires or batteriesattachedto a car, a motor attachedto a boat, or appliancesandfixtures
attachedto a mobilehome),whetheraddednow or later, togethervdth all proceeds(includinginsuranceproceedsandrefundsof insurance
premiums)if any, andsumsduefrom a third party who hasdamagedor destroyedthe Propertyor from that party's insurer,v,hetherdue to
judgment,settlementor otherprocess.
Despiteany otherprovisionof this Agreement,Lenderis not granted,andwill not have,a nonpurchase moneysecuritylaterestin household
goods,to the extentsucha securityinterestwouldbeprohibitedby applicab!e law. In addition,if becauseof thetypeof anyProperty,Lenderis
requiredto givea noticeof the right to cancetunderTruthin Lendingfor the Indebtedness, thenLeaderwill not havea securityinterestin such
Properlyunlessanduntilsucha noticeis given.
RIGHTOFSETOFF.To the extent permittedby applicablelaw, Lenderreservesa right of setoff in all my accountsv4th Lender(whether
checking,savings,or someotheraccountand vðer evidencedby a certificateof deposit). This includesall secountsI hold jointly with
someoneelseandall accountsI may openin the future. However,this doesnot includeany IRAor Keoghaccounts,or any Irust accountsfor
which setoffwouldbeprohibitedby law. I authorizeLender,to the extentpermittedby appHcab!e law, to chargeor setoffall sumsowingon
the indebtednessagainstany andall suchaccounts.
REPREStiNTATIONS ANDPROA119ES WITHRESPECT TOTHEPROPERTY, I representandpromiseto Landerthat:
Ownership,I am thelawfulownerof the Property.ThePropertyis freeandclearof all loans,liens,secufityInterests,mortgages,claims,
andencumbrances exceptfor those1bavedisclosedto Lenderin wdting prIorto my signingthis Agreement I agreeto defendLenders
rightsIn the Propertyagainsttheclaimsanddemandsof anpersons.
Locationof the Property, I agreeto keepthe Propertyat my addressshownaboveunlessLendertells me 1can moveit I will not do
anythingthat requiresapplyingfor a certificateof title for the vehiclein anotherstate, If I movefrom my addressshownaboveto another
locationváthinthesamestate,I may movethe Propertyto my newaddress,but only If I giveLeaderthe newaddressin writing priorto my
moving. In anyevent,1agreeto keepLeaderinformedat all limesof my currentaddress.
MaintenanceandInsurance,I will keepthe Propertyin goodconditionandrepair. If the Propertyis damaged,lost or stolen,I immediately
will InformLender.I will keepthe Propertyfully insuredagainstall lossor damageby fire, theft, collision,andsuchotherhazardsasLender
may requirefrom timeto time. TheInsurancewill beon terms,includingdeductibleprovisionsand endorsen1ents, that are satisfactoryto
Aender,includingstipulationsthat coverageswill not be cancelledor diminishedvéthoutat least thirty (30) dayspriorwritten noticeto
l.cnderend not includingany disdalmerof the insurers fiabilityfor failureto givesuchnotice.. I understandI may obtaininsurancefrom
arryinsurancecompanyI may choosethat is reasonablyacceptableto Lender.I váll provideLenderwith the originalinsurancepolicy,of
otherproof satisfactoryto Leaderof theinsurancecoverage,togetherwith all endorsements requiredby Lender,includingan endorsement
namingLenderas the party to v410malllosseswill bepaid. If Lenderreceivesa refundof anyInsurancepremiums,I agreethat the refund
is Propertycoveredby this Agreement.Leadermayapplythe refundto paymentof any of the Indebtedness.Any insurancepolicywhichI
deliverto Lenderwill be hekito securepaymentof the indebtedness.Untilall Indebtedness Is paidin full, Lenderis authorized,but shall
not be required,to file any proofof loss, adjustsay [oss,receiveand receiptfor anysumpayable,surrenderany policy,dischargeand
releaseany Insurer,endorseany lossor refundcheckor draft, andin generaldo in myname,or otherwise,anyandafl thingswith respect
to the insuranceor any insuranceproceeds,
LlcensingandGovernmental Regulations.I agreeto keepthe Propertylicensedat all timesas requiredby all applicablestateandfederal
laws. In addition,I agreeto pay whendueall licensefees, taxesandassessments relatingto the Properlyor the useof the Property.I
furtheragreethat the Propertywlil not beusedfor any unlawfulpurposeor in violationof enystatute,law, ordinance,or regufationrelating
to the use,operation,or controlof theProperty..
InspectlemI agreethat Landeror Londersagentsshallhavetherightfromtimeto timeto inspect1heProperlywhereverlocated.
NnancingStatements.1authorizeLenderto file a UCCfinancingstatement,or alternatively,a copy of this Agreementto perfectLenders
securityinterest At Landersrequest,t additionallyagreeto signall otherdocumentsthat arenecessaryto perfect,protect,andcontinue
Leaders securityinterestin the Propelty. ThisincludesmakingsureLeaderis shova as the first and onlysecurityInteresthokleron the
title coveringthe Property.hvill pay all filingfees, title transferfees,andotherfeesandcostsinvolvedunlessprohibitedby law or Unless
Londeris requiredby lawto pay suchfeesandcosts. t irrevocab appointLenderas my attorney-in-factto executedocumentsnecessary
to transfertitle if thereis a default. Leadermayfilea copy of thisAgreementasa financingstatement I v411 promptlynotify Leaderof any
changeto my nameor the nameof any indivkfualGrantor,any individualwho is a partnerfor a Grantor,and say Individualwho is a trustee
or settleror trustorfor a Grantorunderthis AgreemenLI v411also promptlynotify Lenderof any changeto the namethat eppearsonthe
most recentlyissued,unexpireddrive s licenseor statoissuedidentificationcard. any expirallonof the most recenllyissueddrivers
licenseor state-issuedidentificationcardfor meor any individualfor whomI amrequiredto providenoticeregardingnamechanges.
LENDER'S EXPENDNURES. If I fail (A) to keepthe Propertyfreeof all taxes,liens,securityinterests,encumbrances, andotherclaims, (B) to
provideany requiredinsuranceon the Property,or (C) to makerepairsto the PropertythenLendermay do so. If any actionor proceedingis
commencedthahyould materiallyaffectLendersinterestsin the Property,thenLenderon my behalfmay,but is not requiredto, take anyaction
that Leaderbelievesto beappropriateto protectLendersinterests.
DEFAULT.I will bein defaultif anyof the followinghappens:
Paym9ntDefault. I fait to makeany paymentVAendueundertheludebtedness.
BreakOtherPromises.I breakany promisemadeto Leaderor fail to performpromptlyat the time andstrictly in the mannerprovidedin
this Agreementor in any agreementrelatedto thisAgreement.
FalseStatements. Any representation or statementmadeor fumishedto Landerby me or on my behalfunderthis Agreementor the
RelaledDocuments[s raiseor misleadingin anymateria1respect, eithernowor at the timemadeor furnished.
Deathor Insolvency.I dieor becomeincompetentor insolvent,a receiveris appointedfor any part of my property,I makeanassignment
for thebenefitof creditors,or any proceeding Is cornmenced eitherby meor againstmeunderany bankruptcyor insolvencylaws.
Takingof the Property. Any creditoror govemmental agencytries to lake any of the Propertyor any otherof my propertyin which Lender
has a lien. Thisincludestakingof, gamishingof or levyingon Iny accountswith Lender. However,if t disputein goodfaith whetherthe
claimon whichthe takingof the Propertyis basedis validor reasonable, andif I giveLenderwritten noticeof theclaimandfumishLender
with moniesor a suretybondsatisfactoryto Leaderto satisfythe claim,thenthisdefaultprovisionVMInot apply.
DefectiveColInteralizallon.ThisAgreementor any of the RelatedDocumentsceasesto bein full forceandeffect (includingfailureof any
collateraldocurnentto crealea validandperfectedsecurityinterestor hen)at anytimeandfor any reason.
PropertyDamageor Loss. ThePropertyis lost,stolen,substantiallydarnaged,sold.or borrowedagainst.
CONSUMER SECURITY AGREEMENT
Loan No: (Continued) Page 2
EventsAffecting0uaranter. Any of the precedingeventsoccurswith respectto anyguarsator,endorser,surely,or accommodation
of any of the Indebledness or any guarantor,endorser,screty, of eccommodation party
party dies or becomesincompetent,or revokesor
disputesthe validityof, or liabilityunder,anyGuarantyof theIndebtedness.
CureProvisions.If anydefault,otherthan a defaultin payment,is curableandif I havenot beengivena noticeof a breachof Ihesame
provisionof this Agreementwithin the precedingtwelve (12) months,it may be curedif I, after Lendersendswritten notice to me
demandingcureof such default; (1) cure the defaultwithin fcfteen(16) days;of (2) if the cure requiresmorethan fifteen (15) days,
imrnediateFyinitiatesleps which Lenderdeemsin Landersede discretionto be sufiltient to curelhe defaultandthereaftercontinueand
completeall reasonable andnecessarystepssufficientto producecomplianceas soonas reasonablypractical,
LENDER'S RIGHTS.I maykeepandusethe Propertyso longasI amnot in defaultunderthisAgreement.Ji I amin default,this is what Lender
maydo, in additionto anyotherrightsLendermayhave;
Accelerateindebtedness.in most cases,Lenderwill sendmea noticeof defaultby registeredor certifiedmail, If the defaultIs not cured
within thirty (30) daysfrom the postmarkeddate of the notice,Leadermay declareall Indebtedness immediatelydue and payable. If,
however, (i) I haveabandoned the Property,(ii) t havepreviouslybeengiventwo (2) noticesof defaultwithin a one(1) yearperiod,or 0ii)
otherextremecircumstances existwhichjeopardizethe Property,Lendermay, subjectto any cureand noticeprovisionsrequiredby law,
declareall Indebtedness immediatelydueandpayable,withoutnotice.
OtherRightsandRemedies..In addition,Lenderwill haveall the rightsof a securedpafly underthe UniformCommercialCodeandother
applicablelaw. This means,amongother rights, that Lendermay enteruponthe premisesat the addressshovmaboveand takethe
Propertypeaceablyandsell it. Lendermayalso,to the extentpermittedby law, enterpeaceablyuponotherpremisesfor the purposeof
retakingthe Property,and I consentto suchentry. If the Propertycontainsany goodsnot coveredby this Agreementat the time of
repossession,I agreethat Lendermay take such goods, providedthat Leadermakesreasonableefforts to retum them to me after
repossession.if Lenderasksme Lodo so, I will gatherthe Propertyandmakeit availableto Leaderat a placereasonablyconvenientto
bothLenderandme.
Applicationof Proceeds.If Leadersellsthe Property,Lenderwill applythe"net proceeds'of the sa's to reducethe emountowedLender.
"Net proceeds'meansthe safepricetessthe expensesof repossession, repair,sale,andasprovidedbelow,reasonable attomeys'feesand
othercollectionexpenses. I agreethat, to the extent permittedby law, I v411ows Lenderany Afferencebetweenthe amountof the
indebtedness andthe netproceedsLeaderreceivesfromthesa!eof theProperty.
Notice. Unlessthe Propertythreatensto declinespeedilyin valueor is of a type customarilysoldon a recognizedmarket,Lenderwill give
me,and otherpersonsas requiredby law, reasonable noticeof the limoandplaceof any publicsaleor of the limeafterwhich any pthrate
saleor any otherIntendeddispositionof the PropertyIs to bemade. Therequirements of reasonab.4 noliceshallbe mel if suchnoticeis
givenst leastten (10) daysbeforethetime of thesa!eor disposition,exceptas otherwiserequiredby applicablelaw.
MISCELLANEOUS PROVi$lONS.The followingmiscellenaeus provisionsarea partof this Agreement·
AmendmentsandInterpretation.(1) What is writ
Preview
STATE OF NEW YORK SUPREME COURT COUNTY OF CAYUGA NBT BANK, NATIONAL ASSOCIATION, ORDER TO SHOW CAUSE Index No.: Assigned Judge: TRACEY L. BREESE, Defendant. UPON, the SUMMONS and VERIFIED COMPLAINT herein, and the annexed AFFIDAVIT of Kathy L. Black, Assistant Vice President of NBT Bank, National Association, the Plaintiff herein, sworn to on the 25th day of March, 2024; it is hereby ORDERED, that the Defendant Tracey L. Breese, or her attorneys, show cause before this Court at a special term thereof to be held at the Cayuga County Courthouse, 160 Genesee Street, Auburn, New York on the ___ day of , 2024 at 9:30 a.m., or as soon thereafter as counsel can be heard, why an order should not be made herein pursuant to §7102 of the Civil Practice law and Rules of the State of New York ("CPLR"), directing the Sheriff of any County where the collateral described in the aforesaid Affidavit is found, to seize the same; and it is further ORDERED, that one (1) business day prior to the return date, the Plaintiff shall file an affidavit clearly identifying the collateral to be seized and the value of the collateral in accordance with CPLR §7102; and it is further ORDERED, that sufficient reason appearing therefore, let copies of the SUMMONS, VERIFIED COMPLAINT and this ORDER TO SHOW CAUSE, together with the papers upon which it is based, be served upon the defendant Tracey L. Breese in accordance with CPLR §308, and that service as aforesaid on or before the ___ day of April, 2024 shall be deemed good and sufficient service thereof; and it is further ORDERED, that affidavits and/or other papers in response to the application for an ORDER OF SEIZURE shall be filed and shall be served so that said responsive papers shall be received by Plaintiff's attorneys not later than the ____ day of , 2024. Signed this _ day of March, 2024, at , New York. Hon. Justice, Supreme Court \\apps1\bapclaw$\4400.957 Breese\OSC.doc 2 STATE OF NEW YORK SUPREME COURT COUNTY OF CAYUGA NBT BANK, NATIONAL ASSOCIATION, AFFIDAVIT Plaintiff Index No.: -against- Date Filed: TRACEY L. BREESE, Defendant. STATE OF NEW YORK ) ) ss.: COUNTY OF CHENANGO ) KATHY L. BLACK, being duly sworn, deposes and states that: 1. I am an Assistant Vice President of NBT Bank, National Association (the "Plaintiff"), a national banking association organized and existing under the laws of the United States of America having an office for the transaction of business at 52 South Broad Street, Norwich, New York 13815. 2. I make this Affidavit in support of Plaintiff's application for an ORDER OF SEIZURE. 3. This Affidavit is based upon my personal knowledge and a review of the Plaintiff's books and records. 4. Defendant Tracey L. Breese is an individual who resides at, upon information and belief, 25 Columbus Street, Apt. #1A, Auburn, New York 13021. 5. On or about November 22, 2019, the Defendant made and delivered to NBT Bank, National Association, for value received, a PROMISSORY NOTE (the "Note"), in writing, dated on that day, whereby she promised to pay to the order of NBT Bank, National Association, its successors or assigns, the sum of Sixty Nine Thousand Four Hundred Forty Seven and 11/100 Dollars ($69,447.11) with interest, all as set forth in the Note, a copy of which is attached hereto and 1 made a part hereof as Exhibit "1". 6. The Note is secured by, among other things, a security interest and lien with respect to a 2020 Champion Redman Northwood mobile home, Serial Number: 122000HA008233AB (the "Collateral"), which security interest was pledged by Defendant pursuant to a CONSUMER SECURITY AGREEMENT dated November 22, 2019, a copy of which is attached hereto and made a part hereof as Exhibit "2". 7. The Plaintiff perfected its first priority security interest and lien with respect to the Collateral as evidenced by the NYS Department of Motor Vehicles Lien Verification Report, a copy of which is attached hereto and made a part hereof as Exhibit "3". 8. The Defendant failed or refused to pay installments of principal and interest due as required by the repayment terms set forth in the Note. 9. An event of default exists under the Note by reason of the Defendanes failure or refusal to make the payment due on October 2023 and on the 23rd of each month 23, day thereafter. 10. The amount due the Plaintiff on account of the indebtedness evidenced by the Note is, as of March 25, 2024, Sixty Five Thousand Six Hundred Thirty One and 87/100 Dollars ($65,631.87) consisting of principal in the amount of Sixty Two Thousand Seven Hundred Two and 26/100 Dollars ($62,702.26), interest to March 25, 2024 in the amount of Two Thousand Three Hundred Eighty and 37/100 Dollars ($2,380.37), late fees in the amount of Twenty Five and 00/100 Dollars ($25.00), and negative escrow in the amount of Five Hundred Twenty Four and 24/100 Dollars ($524.24). 11. Interest accrues at the per diem rate of Twelve and 87/100 Dollars ($12.87) for each day subsequent to March 25, 2024. 2 12. The Plaintiff has demanded, and hereby demands, that the Defendant surrender possession of the Collateral to or at the direction of the Plaintiff, but the Defendant has failed and refused to deliver the Collateral and still refuses to do so. 13. The Defendant is in possession of, and wrongfully retains from the Plaintiff, the Collateral. 14. The Collateral is located at 2006 Nauvoo Road, Port Byron, New York, which is real property owned by Defendant and her husband. The Collateral is presently occupied by Defendant's daughter and her family. The occupants have refused to vacate the Collateral. Plaintiff is unable to repossess the Collateral by consent or, upon information and belief, without a (possible) breach of the peace. 15. The Plaintiff is entitled to the Collateral pursuant to its rights as a secured creditor. 16. The Plaintiff is presently unable to accurately state the value of the Collateral, and respectfully requests that the Court defer its decision with respect to the amount of the undertaking to be required herein until such time that an inspection of the Collateral can be made and an accurate value of the Collateral determined. 17. The Plaintiff is prepared to deliver an appropriate undertaking to the Court as directed at the time this Court considers Plaintiffs application for an ORDER OF SEIZURE. 18. In order to protect the Plaintiff's rights and the Collateral, this action has been commenced prior to the submission of this Affidavit to the Court. 19. Plaintiffs application for an ORDER TO SHOW CAUSE is made ex parte. The Plaintiff does n_ot seek any preliminary relief in the ORDER TO SHOW CAUSE. 20. No prior application has been made for the relief requested herein. 21. I am aware of no defenses to the action or the relief sought. REMAINDER INTENTIONALLY BLANK 3 WHEREFORE, NBT Bank, National Association respectfully requests that the Court grant the annexed ORDER TO SHOW CAUSE and thereafter grant Plaintiffs application for an ORDER OF SEIZURE together with such other and further relief as the Court may deem just and proper. th L. Black S to before me this of March, 2024. otéry public APCLAW¼400.957 Braese\Black.Affldavit.doc JAYNE WADE Notary Public - State of New York No 01WA6102801 Qualified in Chenango County My Commission Expires Dec. 08, 20Â EXHIBIT 1 PROMISSORY NOTE Principal Loan Date Maturity Loan No call / cell Account Officer initials S69,447.11 11-22-20i9 11-22-2039 20 D24 Referencesin theboxesaboveareIor Leadersuseonly anddo not limitthe applicabilityof thisdocumentto anyparticularloanor item. Any lemabovecontaining"***" hasbeenornitteddueto textlengthlimitations, Borrower: TraceyL. Brease Lender: HBTBank,NationalAssociation 2008 NauvooRd NorwichOffice PortByronNY 13140 52 SouthBroadStreet P0 Box361 Norwich,NY 13616 Principal Amount: $69,447.11 Interest Rate: 7.490% Date of Note: November 22, 2019 PROhUSE TOPAY. To repaymy loan,I ("Borrower")promiseto pay to NBT8ank,NationalAssociation the UnitedStalesof Amedca,the principalamoungof Sixty-nineThousandFourHundredForty-seven FLender"Lor order,in lawful moneyof & 111100Dollars together with Intereston the unpaidprincipalbalancefrorn November22, 2019, calculatedas describedin the MNTEREST ($69,447.1f),METHOD" CALCULAYt0N paragraphusinganinterestrate of 7.490%per annum,until paid to fult Theinterestratemay changeunderthe termsandconditions "iNTEREST AFTERDEFAULT" of the section. PAYMENT,I will pay this loanin 239 paymentsof $558.96 eachpaymentand an irregularfastpaynientestimatedat payntentis dueDecember22, 2019, andallsubsequent $6$1.49. My first paymentssa dueon thesame of sachmonthafterthat. My finalpaymentwill be dueon November22, 2039, andwill befor all pilocipalandall accruedinterestnot yetday paid. Payments includeprincipaiandinterest Unless otherwiseagreedor requiredby applicable law, paymentswill beappliedfirst to anyescrowor reserveaccountpaymentsasrequiredunder mortgage,deedof trust, or other securityinstrumentor securityagreementsecuringthis Note; thento any accruedunpaidinterest;thenany to principahandthento any tatecharges. INTEREST CALCULATION METHOD.Interestonthis NoteIs computedona 3651365simpleinterestbasis;(hatis, interestrateoverthenumberof daysInayear(386for all years,including by applyingthe ratioof the leapyears),inultipliedby theoutstariding principalbalance,rnuhiplied by the actuafnumberof daysthe principalbalance(s outstanding(but not IncludingFebruary29 In leapyears). Atl interestpayable underthis Noteis computedusingthismethod. RECElPT OFPAYMENTS.All paymentsmustbemadein U.S.dollarsandmustbereceivedby Lenderat: NBTBanIsNationalAssociation LoanOperations POBox149 Canajoharie,NY 13317 Paymentsmustbe receivedconsistentwith the followingpaymentinstructions:if any written paymentinsffuctionsprovided the Lender contain a remittanceaddressthat is differentthan the one above, sendyour paymentto the eddressprovidedon by Instructions.Lenderrnay rnodify thesepaymentinstructions,includingchangingthe addressfor the written payment payments, b y providing instructionsto meInwriting. If a paymentis readeconsistentwith LenderspaymentInstnictionsbutreceivedafter 5:00 pmEastemTimeona updatedpayrnent busjnessday,Lenderwill creditmy paymentonthenext businessday. PREPAYMENT. I agreethat allloanfeesandotherprepaidfinancechargesareeamedfully asof the dateof thefoanandwill not berefundedto me upon earlypayment(whethervoluntaryor as a resultof default),exce I as otherwiserequired by law. Exceptfor the foregoing,I pay without penalty all or a portion of the arnount owed ear fer than it is due, EarlypaymenIswill not, unlessagreedmay to by Lenderin writing, relieveme of my obligationto ODntinue to makepaymentsunderthepaymentschedule.Rather,earlypayrnentswill reduce the principalbalancedueand may resuitin my makingrewerpayments.I agreenot to sendLenderpaymentsrnarked"paidin recourse" or similarlanguage.If I sendsucha payment,Lendermay acceptit without losingany of Leadetsfightsunderthis full %vithout remainobligatedto payany furtherarnountowedto Lender.AII written communications Note, andl witi full" concerning disputedamounts,includingany checker other paymentinstromantthat indicatesthat the paymentconstitutes"paymentin of the amountowedor that is tenderedwith other conditionsor lirnitationsor asfull satisfactionof a disputedamountmustbemailedor deliveredto: HBT BroadStreetNorwich,NY 13B16. Bank,NationalAssociation,62 South LATECHARGE.If a paymentis mofethan10 daysfate, I will bechargedL000% of the unpaidportionof the scheduledpaymentor $6.00, whicheveris less. Totallatechargesfor this Zeanwill not exceedtwo percent(2%)of theZoanamountoregulady r twenty-fivedollars($26.00), whicheveris less. .. INTEREST AFTERDEFAULT.LIponmaturity,whetherschedu!edor accelerated by Lenderbecauseof mydefault,the total sumdueunderthis Notewill contimreto accrueinterestat theinterestrateunderthis Note. DEFAULT.I v3IIbein defaultunder1hisNoteif any of the followinghappen: -PaymentDefault I fall to makeanypaymentwhendueunderthis Note. Break.DtherPromises.I breakanypromisemadeto Lenderor fail to perforrnpromptlyat the timeand this Noteor in anyagreernentrelated to this Note,or in anyo1heragreement stricily In the mannerprovidedin or loanI havewith Leader. FalseStatements.Any representation or statementmadeor furnishedto Lenderby me or on my behalfunderthis Noteor the related . documentsis falseor misleadingin anymateriatrespect,eithernow or at thetirnemadeor fumished. Deathor insolvency,Any Borrowerdiesor becomesin.solvent;a receiveris appointedfor any.partof (6rthe benefitof creditors;or anyproceeding rayproperty-I makean assigarnent is commencedeitherby meor againstmeunderanybankmptcyof insolvencylaws. Takingof the Property.Any creditoror governmental agencyides to takeany of the propertyor anyotherof my propertyin whichLender has a lion. Thisincludestakingof, gamishingof cr Ievyingon my accounts with Lender. However,if I disputein goodfaith whetherthe craimonwhichthe takingof the propertyis basedis validof reasonable, andif I give Leaderwrittennoticeof the claimandfumishLender with moniesor a suretybondsatisfactoryto Leaderto satisfythe claim,thenthis defaultprovisionwill notapply. DefectiveCollateralization. ThisNoteor anyof therelateddocumentsceasasto be in fulfforceandeffect documentto createa validandperfectedsecurityinterestor lien)st any timeandfor anyreason. (includingfailureof any collateral CollaterafDamageor Loss. Any collateralsecuringthis Note is lost, stolen, . substantialdamageor destructionis not coveredby insurance. substantiallydamagedor destroyedand the loss, theft, EventsAffectingGuarantor.Any of theprecedingeventsoccurswith respectto anyguarantor, of any of the indebtednessor any guarantor,endorser,.surety, or accommodation endorser,surety,or accommodation party disputesthe validityof, or Jiabilityunder,anyguarantyof theindebtedness party diesor becomesincompetent,or revokesor evidencedby this No1e. CureProvisions.If any default,otherthana defaultin payment,is curableandif I havenot beengivena noticeof a . ,provisionof this Notewithin the precedingtweNe (12) months,it inay be curedif I, afterLender breachof 1hesame sendswritten noticeto me demanding cureof suchdefault: (1) curethe defaultvãthin lifteen (15) days;or (2) if the curerequiresfriorethanfilleen (15) initiatestepswhich Lenderdeemsin Lender'ssolediscretionto be sufficientto curethe defaultandthereaftercoolinueandcomplete days,immediately an reasonableandnecessarystepssufficientto producecomplianceassoonas reasonably practical LENDER'S RIG@tTS. Upon default,Lenderin mostcaseswill sendme a noticeof defaultby registeredor certifiedmail. If Jdo not curethe defaultwithin thirty (30) days fromthe pos1marked dateof the notice,Lendermaydeclarethe enlireunpaidprincipalbalanceunderthis Note and all accruedunpaidinterest immediatelydus, and then I wiif pay that amount If, however, (a) I haveabandonedthe Property, (b) I previouslyhavebeengiventwo (2) noticesof defaultváthin a one (1) year period,or (c) otherextremecircumstances existwhichjeopardize the Property,Lendermay declarethe entireunpaidprincipalbalanceunderthis Noteandall accruedunpaid will pay that amount interestImmediately due, andthenI ATTORNEYS'. FEES:EXPENSES.If Lendersuesme to collect any emountI owe Leaderunderthis Note.I agreeto pay Leader'sreasonable attorneys"feespluscourt costs, JilRY WA1VER,Leaderand 1herebywaivetherightto anyjury thai in anyaction,proceeding,or counterclaim broughtby eitherLeaderor me againsttheother. GOVERNiNG LAW. ThisNotewill be governedby federallaw appficableto Lendscand, to theextentnot preempted federal the Stateof NewYorkwithout regardto its conflictsof taw provisions.ThisNotehasbeenaccepted by fow, the |awsof by Londerin theStateof NewYork. DISHONORED ITEMFEE.I will paya feeto Landerof $20.00 if / makea paymenton my loanandthe checkor preauthorized I pay is later dishonored. chargewith which PROMISSORY NOTE Loan N--. (Continued) Page 2 RIGHTOFSETOFF.To the extentpermittedby applicab!alaw, Lenderreservesa right of seloff in a4 my accountswith Lender(whether checking,say;ngs,or someother accountand whetherevidencedby a certificateof deposil). This indudesall accountsI ho:d sorneone elseandallsecountsI rnayopenIn thefuture Hartever,thisdoesnot includeany IRAor Xeogh jointly with which setoffwouldbe prohibitedby law. f authorizeLender.to the extentpermitted appLeable to accounts, or anytrust accountsfor by l aw, chargeor setoffatisumsowingon the indebtednessagainstanyandallsuchaccounts. COLLATERAL. I acknow'edge this Noteis securedby the followingcoNateral describedin the securityinstrumentlistedhefe:n. {A) a ConsumerSecurityAgreementdatedNovember22, 2019 inadeandexecutedbetweenTraceyL. BreeseandLeaderon collateral des rbedas a mobHe hoine. Hthemis anyinconsistency betweenthetermsandconditionsof thisNoteandthe terrnsandconditionsof theco3ateral theterms andconditionsof thisNoteshallprevaiL documents, VENDOR'S SINGLEINTEREST INSURANCE. Vendor'sSing!eInterestInsuranceis required I may choosethepersonthroughwhom Vendor's SingleinterestInsuranceis to be obtained.Thisinsuranceis for the soleprotectionof you and my interestis not covered.If obtanedthrough you, thecostof suchinsuranceis $60.00. SLICCESSOR INTERESTS.The termsof this Noteshall be bindinguponme, and upon rny heirs, personalrepresentatives assigns,andshallinureto thebenefitof LenderandMssuccessorsandass?gns. successorsand NOTIFYUSOFINACCURATE INFORMATION WE REPORT TOCONStIMER REPORTING AGENCIES.I maynotify Lenderif Lenderreportsany inaccurateinformationaboutmy accoun1(s) to a consumerreportingagency.My written noticedescribingthespecificinaccuracy{tes) sentto tenderat the fohowingaddressNBTBank,NationalAssociation52 Southaroad shouidbe StrealNorvDch,NY13815. GENERAL PROVIS10NS. if any partof this Notecannotbe enforced,this fact will not affect the restof theNote. Leader enforcingany of its rightsor remediesunderthis Notewithout fosingthern. I sad any otherpersonwho signs,guarantees rnaydelayor forgo or endorsesthis Note, to the extentallowedby law, waivepresentment,demandfor payment,and noticeof dishonor. Uponany changein itte teñnsof this Note,andunlessotherwiseexpresslystatedin writing, no partywho signsthis Note,whetheras maker,guarantor,accommodation makeror endorser,shallbe releasedfrom liability. All suchpartiesagreethat Lendermay renewor extend(repeatedlyandfor any lengthof loanor releaseanyparty or guarantoror co!Interal;or impair,fail to rearrzeuponor time)this perfectLanderssecurityinterestin thecoUateralAll such partiesalsoagreethatLendermaymodifythisloanwithoutthe consentof or noticeto anyoneotherthanthe is made. The obligationsunderthis Notearejoint and several. Thismeansthat Ihe words "I", "mé", and "my"with party whomthe modification meaneachandall of the personssigningbelow. PRIORTO$IONINGTHISNOTE,I READANDUNDERSTOOD ALLTHEPROVISIONS OFTHISNOTE.I AGREE TOTHETERMS OFTHENOTE. ACKNOWLEDGE RECElPT OFA COMPLETED COPYOFTHISPROMISSORY NOTE. TraceyL.Bree Originator Names arid Nationwide MOrtgage Licensing System and Registry IDs: Organization:MHDErnpIreService NMLSRID: 61371 individual:SuesanArcuri NMLSRID: 128580 I ! EXHIBIT 2 CONSUMER SECURITY AGREEMENT Principal Loan Date Maturity Loan No call / coll Account Officer initials $69,447,11 11-22-2019 11-22-2039 20 D24 Referencesin theboxesabovearefor Lende'suseonly anddo not limit the applicabifityof thisdocumentto anyparticularloanor item Any itemabovecontaining"***" hasbeenomilleddueto textlengthfimitations. Grafitor: TraceyL areoso Lander: NOTnank,NationalAssociation 2006NauvooRd NorwichOffice Poit Byron,NY 13140 62 SouthBroadStreet POBox351 Norwich,NY 13815 THISCONSUMER SECURITY AGREEMENT datedNovember22, 2019, is enteredinto betweenTraceyL Breese(referredto belowas "I") and N8T Bank,NationalAssociation(referredto belowas "Lender"). GRANTOFSECURRY INTEREST,To securethe Indebtedness describedherein(includingall obilgationsunderthe Notoandthis Agreement),I grant to Landera security interest in all of the Propertydescribedbelow, I understandthat the following statementsset forth my responsibilities,aswell as Lendersrigh1sconcomingthePropeaty,I agreeasfollows: PROPERTY DESCRIPTION, Theword "Property"as usedIn this Agreementmeansthe followingdescribedpropertyin which I am gMng to Leadera securityinterestfor the payrnentof the indebtedness andperformance of allotherobligationsundertheNo1eandthisAgreement: 2020 CHAMPION REDMANNORTHWOOD (SerialNumber122000HA008233AB) Locatedat: 2006NauvooRd PortByron,NY13140 In addition,theword "Property"alsoincludesall the following: any andall accessions, attachments,accessories,replacements of andadditions lo any of the propertydescribedherein(suchas tires or batteriesattachedto a car, a motor attachedto a boat, or appliancesandfixtures attachedto a mobilehome),whetheraddednow or later, togethervdth all proceeds(includinginsuranceproceedsandrefundsof insurance premiums)if any, andsumsduefrom a third party who hasdamagedor destroyedthe Propertyor from that party's insurer,v,hetherdue to judgment,settlementor otherprocess. Despiteany otherprovisionof this Agreement,Lenderis not granted,andwill not have,a nonpurchase moneysecuritylaterestin household goods,to the extentsucha securityinterestwouldbeprohibitedby applicab!e law. In addition,if becauseof thetypeof anyProperty,Lenderis requiredto givea noticeof the right to cancetunderTruthin Lendingfor the Indebtedness, thenLeaderwill not havea securityinterestin such Properlyunlessanduntilsucha noticeis given. RIGHTOFSETOFF.To the extent permittedby applicablelaw, Lenderreservesa right of setoff in all my accountsv4th Lender(whether checking,savings,or someotheraccountand vðer evidencedby a certificateof deposit). This includesall secountsI hold jointly with someoneelseandall accountsI may openin the future. However,this doesnot includeany IRAor Keoghaccounts,or any Irust accountsfor which setoffwouldbeprohibitedby law. I authorizeLender,to the extentpermittedby appHcab!e law, to chargeor setoffall sumsowingon the indebtednessagainstany andall suchaccounts. REPREStiNTATIONS ANDPROA119ES WITHRESPECT TOTHEPROPERTY, I representandpromiseto Landerthat: Ownership,I am thelawfulownerof the Property.ThePropertyis freeandclearof all loans,liens,secufityInterests,mortgages,claims, andencumbrances exceptfor those1bavedisclosedto Lenderin wdting prIorto my signingthis Agreement I agreeto defendLenders rightsIn the Propertyagainsttheclaimsanddemandsof anpersons. Locationof the Property, I agreeto keepthe Propertyat my addressshownaboveunlessLendertells me 1can moveit I will not do anythingthat requiresapplyingfor a certificateof title for the vehiclein anotherstate, If I movefrom my addressshownaboveto another locationváthinthesamestate,I may movethe Propertyto my newaddress,but only If I giveLeaderthe newaddressin writing priorto my moving. In anyevent,1agreeto keepLeaderinformedat all limesof my currentaddress. MaintenanceandInsurance,I will keepthe Propertyin goodconditionandrepair. If the Propertyis damaged,lost or stolen,I immediately will InformLender.I will keepthe Propertyfully insuredagainstall lossor damageby fire, theft, collision,andsuchotherhazardsasLender may requirefrom timeto time. TheInsurancewill beon terms,includingdeductibleprovisionsand endorsen1ents, that are satisfactoryto Aender,includingstipulationsthat coverageswill not be cancelledor diminishedvéthoutat least thirty (30) dayspriorwritten noticeto l.cnderend not includingany disdalmerof the insurers fiabilityfor failureto givesuchnotice.. I understandI may obtaininsurancefrom arryinsurancecompanyI may choosethat is reasonablyacceptableto Lender.I váll provideLenderwith the originalinsurancepolicy,of otherproof satisfactoryto Leaderof theinsurancecoverage,togetherwith all endorsements requiredby Lender,includingan endorsement namingLenderas the party to v410malllosseswill bepaid. If Lenderreceivesa refundof anyInsurancepremiums,I agreethat the refund is Propertycoveredby this Agreement.Leadermayapplythe refundto paymentof any of the Indebtedness.Any insurancepolicywhichI deliverto Lenderwill be hekito securepaymentof the indebtedness.Untilall Indebtedness Is paidin full, Lenderis authorized,but shall not be required,to file any proofof loss, adjustsay [oss,receiveand receiptfor anysumpayable,surrenderany policy,dischargeand releaseany Insurer,endorseany lossor refundcheckor draft, andin generaldo in myname,or otherwise,anyandafl thingswith respect to the insuranceor any insuranceproceeds, LlcensingandGovernmental Regulations.I agreeto keepthe Propertylicensedat all timesas requiredby all applicablestateandfederal laws. In addition,I agreeto pay whendueall licensefees, taxesandassessments relatingto the Properlyor the useof the Property.I furtheragreethat the Propertywlil not beusedfor any unlawfulpurposeor in violationof enystatute,law, ordinance,or regufationrelating to the use,operation,or controlof theProperty.. InspectlemI agreethat Landeror Londersagentsshallhavetherightfromtimeto timeto inspect1heProperlywhereverlocated. NnancingStatements.1authorizeLenderto file a UCCfinancingstatement,or alternatively,a copy of this Agreementto perfectLenders securityinterest At Landersrequest,t additionallyagreeto signall otherdocumentsthat arenecessaryto perfect,protect,andcontinue Leaders securityinterestin the Propelty. ThisincludesmakingsureLeaderis shova as the first and onlysecurityInteresthokleron the title coveringthe Property.hvill pay all filingfees, title transferfees,andotherfeesandcostsinvolvedunlessprohibitedby law or Unless Londeris requiredby lawto pay suchfeesandcosts. t irrevocab appointLenderas my attorney-in-factto executedocumentsnecessary to transfertitle if thereis a default. Leadermayfilea copy of thisAgreementasa financingstatement I v411 promptlynotify Leaderof any changeto my nameor the nameof any indivkfualGrantor,any individualwho is a partnerfor a Grantor,and say Individualwho is a trustee or settleror trustorfor a Grantorunderthis AgreemenLI v411also promptlynotify Lenderof any changeto the namethat eppearsonthe most recentlyissued,unexpireddrive s licenseor statoissuedidentificationcard. any expirallonof the most recenllyissueddrivers licenseor state-issuedidentificationcardfor meor any individualfor whomI amrequiredto providenoticeregardingnamechanges. LENDER'S EXPENDNURES. If I fail (A) to keepthe Propertyfreeof all taxes,liens,securityinterests,encumbrances, andotherclaims, (B) to provideany requiredinsuranceon the Property,or (C) to makerepairsto the PropertythenLendermay do so. If any actionor proceedingis commencedthahyould materiallyaffectLendersinterestsin the Property,thenLenderon my behalfmay,but is not requiredto, take anyaction that Leaderbelievesto beappropriateto protectLendersinterests. DEFAULT.I will bein defaultif anyof the followinghappens: Paym9ntDefault. I fait to makeany paymentVAendueundertheludebtedness. BreakOtherPromises.I breakany promisemadeto Leaderor fail to performpromptlyat the time andstrictly in the mannerprovidedin this Agreementor in any agreementrelatedto thisAgreement. FalseStatements. Any representation or statementmadeor fumishedto Landerby me or on my behalfunderthis Agreementor the RelaledDocuments[s raiseor misleadingin anymateria1respect, eithernowor at the timemadeor furnished. Deathor Insolvency.I dieor becomeincompetentor insolvent,a receiveris appointedfor any part of my property,I makeanassignment for thebenefitof creditors,or any proceeding Is cornmenced eitherby meor againstmeunderany bankruptcyor insolvencylaws. Takingof the Property. Any creditoror govemmental agencytries to lake any of the Propertyor any otherof my propertyin which Lender has a lien. Thisincludestakingof, gamishingof or levyingon Iny accountswith Lender. However,if t disputein goodfaith whetherthe claimon whichthe takingof the Propertyis basedis validor reasonable, andif I giveLenderwritten noticeof theclaimandfumishLender with moniesor a suretybondsatisfactoryto Leaderto satisfythe claim,thenthisdefaultprovisionVMInot apply. DefectiveColInteralizallon.ThisAgreementor any of the RelatedDocumentsceasesto bein full forceandeffect (includingfailureof any collateraldocurnentto crealea validandperfectedsecurityinterestor hen)at anytimeandfor any reason. PropertyDamageor Loss. ThePropertyis lost,stolen,substantiallydarnaged,sold.or borrowedagainst. CONSUMER SECURITY AGREEMENT Loan No: (Continued) Page 2 EventsAffecting0uaranter. Any of the precedingeventsoccurswith respectto anyguarsator,endorser,surely,or accommodation of any of the Indebledness or any guarantor,endorser,screty, of eccommodation party party dies or becomesincompetent,or revokesor disputesthe validityof, or liabilityunder,anyGuarantyof theIndebtedness. CureProvisions.If anydefault,otherthan a defaultin payment,is curableandif I havenot beengivena noticeof a breachof Ihesame provisionof this Agreementwithin the precedingtwelve (12) months,it may be curedif I, after Lendersendswritten notice to me demandingcureof such default; (1) cure the defaultwithin fcfteen(16) days;of (2) if the cure requiresmorethan fifteen (15) days, imrnediateFyinitiatesleps which Lenderdeemsin Landersede discretionto be sufiltient to curelhe defaultandthereaftercontinueand completeall reasonable andnecessarystepssufficientto producecomplianceas soonas reasonablypractical, LENDER'S RIGHTS.I maykeepandusethe Propertyso longasI amnot in defaultunderthisAgreement.Ji I amin default,this is what Lender maydo, in additionto anyotherrightsLendermayhave; Accelerateindebtedness.in most cases,Lenderwill sendmea noticeof defaultby registeredor certifiedmail, If the defaultIs not cured within thirty (30) daysfrom the postmarkeddate of the notice,Leadermay declareall Indebtedness immediatelydue and payable. If, however, (i) I haveabandoned the Property,(ii) t havepreviouslybeengiventwo (2) noticesof defaultwithin a one(1) yearperiod,or 0ii) otherextremecircumstances existwhichjeopardizethe Property,Lendermay, subjectto any cureand noticeprovisionsrequiredby law, declareall Indebtedness immediatelydueandpayable,withoutnotice. OtherRightsandRemedies..In addition,Lenderwill haveall the rightsof a securedpafly underthe UniformCommercialCodeandother applicablelaw. This means,amongother rights, that Lendermay enteruponthe premisesat the addressshovmaboveand takethe Propertypeaceablyandsell it. Lendermayalso,to the extentpermittedby law, enterpeaceablyuponotherpremisesfor the purposeof retakingthe Property,and I consentto suchentry. If the Propertycontainsany goodsnot coveredby this Agreementat the time of repossession,I agreethat Lendermay take such goods, providedthat Leadermakesreasonableefforts to retum them to me after repossession.if Lenderasksme Lodo so, I will gatherthe Propertyandmakeit availableto Leaderat a placereasonablyconvenientto bothLenderandme. Applicationof Proceeds.If Leadersellsthe Property,Lenderwill applythe"net proceeds'of the sa's to reducethe emountowedLender. "Net proceeds'meansthe safepricetessthe expensesof repossession, repair,sale,andasprovidedbelow,reasonable attomeys'feesand othercollectionexpenses. I agreethat, to the extent permittedby law, I v411ows Lenderany Afferencebetweenthe amountof the indebtedness andthe netproceedsLeaderreceivesfromthesa!eof theProperty. Notice. Unlessthe Propertythreatensto declinespeedilyin valueor is of a type customarilysoldon a recognizedmarket,Lenderwill give me,and otherpersonsas requiredby law, reasonable noticeof the limoandplaceof any publicsaleor of the limeafterwhich any pthrate saleor any otherIntendeddispositionof the PropertyIs to bemade. Therequirements of reasonab.4 noliceshallbe mel if suchnoticeis givenst leastten (10) daysbeforethetime of thesa!eor disposition,exceptas otherwiserequiredby applicablelaw. MISCELLANEOUS PROVi$lONS.The followingmiscellenaeus provisionsarea partof this Agreement· AmendmentsandInterpretation.(1) What is writ