Exhibit A (Mortgage) — USA v. Stanley et al. (Dkt. 63-1, N.D. Fla.)

Summary

Document 63-1, Exhibit A in United States v. Stanley et al., Case 4:22-cr-00032-MW-MAF in the U.S. District Court for the Northern District of Florida, was filed March 28, 2023 and is a mortgage dated September 29, 2020 from Felicia Jackson Stanley as mortgagor to American Commerce Bank, N.A. as lender, recorded in Leon County, Florida on 10/02/2020. The mortgage secures a promissory note of the same date with a loan amount of $51,000.00 maturing on September 29, 2025 and conveys Lot 10, Block C, Tallahassee Ranch Club; the recording stamp shows documentary tax of $178.50 and intangible tax of $102.00.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Record facts

Full text

Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 1 of 9
EXHIBIT A
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 2 of 9
20200057384 RECORDED IN PUBLIC RECORDS LEON COUNTY FL BK: 5496 PG: 1309,
10/02/2020 at 03:30 PM, M DOCUMENTARY TAX PD: $178.50 INTANGIBLE TAX PD $102.00
GWEN MARSHALL, CLERK OF COURTS

Return to: American Commerce Bank, N.A., 400 US Highway 27 Bypass, Bremen, GA 30110

This document was prepared by: Christy Waff Loan Operations, 536 N Monroe Street, Tallahassee, FL 32301

State of Florida's Documentary Stamp Tax required by law tn the amount of $178.50 has been paid to the Clerk of the Circuit
Court (or the County Comptroller, if applicable} for the County of Leon, State of Florida.

Space Above This Line For Recording Data

MORTGAGE

DATE AND PARTIES. The date of this Mortgage (Security Instrument) is September 29, 2020. The parties and their
addresses are:

MORTGAGOR:
FELICIA JACKSON STANLEY
5007 Lakefront Drive #M6
Tailahassee, FL 32303

LENDER:
AMERICAN COMMERCE BANK, N.A.
Organized and existing under the laws of the United States of America
536 N Monroe Street
Tallahassee, FL 32301

1. DEFINITIONS. For the purposes of this document, the following term has the following meaning.

A. Loan. “Loan” refers to this transaction generally, including obligations and duties arising from the terms of all documents
prepared or submitted for this transaction.

2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure
the Secured Debts and Mortgagor’s performance under this Security Instrument, Mortgagor does hereby grant, bargain, convey
and mortgage to Lender, the following described property:

Lot 10, Block C, Tallahassee Ranch Club, according to the plat thereof, recorded in Plat Book 18, Page(s) 1 through 35, of the
inctusive, Public Records of Leon County, Florida

The property is located in Leon County at XXX Painted Post Trail, Tallahassee, Florida 32305.

Together with all rights, easements, appurtenances, royalties, mineral rights, oi! and gas rights, all water and riparian rights,
wells, ditches and water stack, crops, timber including timber to be cut now or at any time in the future, all diversion payments
or third party payments made to crop producers and all existing and future improvements, structures, fixtures, and replacements
that may now, or at any time in the future, be part of the real estate described {all referred to as Property). This Security
Instrument will remain in effect until the Secured Debts and ai! underlying agreements have been terminated in writing by
Lender.

3. SECURED DEBTS. The term “Secured Debts" includes and this Security Instrument will secure each of the following:

A. Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and replacements. A
promissory note or other agreement, dated September 29, 2020, from Mortgagor to Lender, with a loan amount of
$51,000.00 and maturing on September 29, 2025.

B. All Debts. All present and future debts made within 20 years from the date of this Security Instrument from Martgagor to
Lender, even if this Security Instrument is not specifically referenced, or if the future debt is unrelated to or of a different type
than this debt. If more than one person signs this Security Instrument, each agrees that it will secure debts incurred either
individually or with others who may not sign this Security Instrument. Nothing in this Security Instrument constitutes a
commitment to make additional or future loans or advances. Any such commitment must be in writing. This Security
Instrument will not secure any debt for which a non-possessory, non-purchase money security interest is created in “household
goods" in connection with a "consumer loan,” as those terms are defined by federal law governing unfair and deceptive credit
practices. This Security Instrument will not secure any debt for which a security interest is created in "margin stock” and
al’ >

FELICIA JACKSON STANLEY x
Florida Mortgage Intals
FL/4XXXXXXXX00000000002247049N Wolters Kluwer Financial Services 1996, 2020 Bankers Systems™
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 3 of 9
Plage. a dovdew he Sariv Pe lly. *
: - ro fee CDs tis qecorder §
op ee IL Loy efpeurs in tae Public Qecurds,

Taeimest has haon recarded electronic

Apritied by:
fil didle Company

Return to: American Commerce Bank, N.A., 400 US Highway 27 Bypass, Bremen, GA 30110

This document was prepared by: Christy Waff Loan Operations, 536 N Monroe Street, Tallahassee, FL 32301

State of Florida's Documentary Stamp Tax required by law in the amount of $178.50 has been paid to the Clerk of the Circuit
Court (or the County Comptroller, if applicable) for the County of Leon, State of Florida.

Space Above This Line For Recording Data

MORTGAGE

DATE AND PARTIES. The date of this Mortgage (Security Instrument) is September 29, 2020. The parties and their
addresses are:

MORTGAGOR:
FELICIA JACKSON STANLEY
5001 Lakefront Drive #M6
Tallahassee, FL 32303

LENDER:
AMERICAN COMMERCE BANK, N.A.
Organized and existing under the laws of the United States of America
536 N Monroe Street
Tallahassee, FL 32301

1. DEFINITIONS. For the purposes of this document, the following term has the following meaning.

A. Loan. "Loan" refers to this transaction generally, including obligations and duties arising from the terms of all documents
prepared or submitted for this transaction.

2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure
the Secured Debts and Mortgagor’s performance under this Security Instrument, Mortgagor does hereby grant, bargain, convey
and mortgage to Lender, the following described property:

Lot 10, Block C, Tallahassee Ranch Club, according to the plat thereof, recorded in Plat Book 18, Page(s) 1 through 35, of the
inclusive, Public Records of Leon County, Florida

The property is located in Leon County at XXX Painted Post Trail, Tallahassee, Florida 32305.

Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights,
wells, ditches and water stock, crops, timber including timber to be cut now or at any time in the future, all diversion payments
or third party payments made to crop producers and all existing and future improvements, structures, fixtures, and replacements
that may now, or at any time in the future, be part of the real estate described (all referred to as Property). This Security
instrument will remain in effect until the Secured Debts and all underlying agreements have been terminated in writing by
Lender,

3. SECURED DEBTS. The term "Secured Debts” inctudes and this Security Instrument will secure each of the following:

A. Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and replacements. A
promissory note or other agreement, dated September 29, 2020, from Mortgagor to Lender, with a loan amount of
$51,000.00 and maturing on September 29, 2025.

B. All Debts. Al! present and future debts made within 20 years from the date of this Security Instrument from Mortgagor to
Lender, even if this Security Instrument is not specifically referenced, or if the future debt is unrelated to or of a different type
than this debt. If more than one person signs this Security Instrument, each agrees that it will secure debts incurred either
individually or with others who may not sign this Security Instrument. Nothing in this Security Instrument constitutes a
commitment to make additional or future loans or advances. Any such commitment must be in writing. This Security
Instrument will not secure any debt for which a non-possessory, non-purchase money security interest is created in “household
goods” in connection with a "consumer loan,” as those terms are defined by federal law governing unfair and deceptive credit
practices. This Security Instrument will not secure any debt for which a security interest is created in "margin stock” and

a
FELICIA JACKSON STANLEY = —
Florida Mortgage tnetials
FL/4AXXXXXXX X00000000002247049N Wolters Kluwer Financial Services “1996, 2020 Bankers Systems'™
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 4 of 9
Lender does not obtain a “statement of purpose,” as defined and required by federal law governing securities. This Security
Instrument will not secure any other debt if Lender, with respect to that other debt, fails to fulfill any necessary requirements
or fails to conform to any limitations of the Real Estate Settlement Procedures Act (Requlation X) that are required for loans
secured by the Property.

C. Sums Advanced. All sums advanced and expenses incurred by Lender under the terms of this Security Instrument.

4. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time and
from time to time will not exceed $51,000.00. Any limitation of amount does not include interest and other fees and charges
validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this
Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrument.

5. PAYMENTS. Mortgagor agrees that all payments under the Secured Debts will be paid when due and in accordance with the
terms of the Secured Debts and this Security Instrument.

6. WARRANTY OF TITLE. Mortgagor warrants that Mortgagor is or will be lawfully seized of the estate conveyed by this
Security Instrument and has the right to grant, bargain, convey, sell and mortgage the Property. Mortgagor also warrants that the
Property is unencumbered, except for encumbrances of record.

7. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien
document that created a prior security interest or encumbrance on the Property, Mortgagor agrees:

A. To make al! payments when due and to perform or comply with all covenants.
B. To promptly deliver to Lender any notices that Mortgagor receives from the holder.

C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by
the lien document without Lender's prior written consent.

8. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents,
utilities, and other charges relating to the Property when due. Lender may require Mortgagor to provide to Lender copies of all
notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property
against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by
Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve
the Property.

§. DUE ON SALE OR ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be
immediately due and payable upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of all or
any part of the Property. This right is subject to the restrictions imposed by federal law, as applicable.

10. WARRANTIES AND REPRESENTATIONS. Mortgagor has the right and authority to enter into this Security Instrument.
The execution and delivery of this Security Instrument will not violate any agreement governing Mortgagor or to which
Mortgagor is a party.

11. PROPERTY CONDITION, ALTERATIONS, INSPECTION, VALUATION AND APPRAISAL. Mortgagor will keep
the Property in good condition and make all repairs that are reasonably necessary. Mortgagor will not commit or allow any
waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses.
Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent.
Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent.
Mortgagor will notify Lender of all demands, proceedings, claims, and actions against Mortgagor, and of any loss or damage to
the Property.

No portion of the Property will be removed, demolished or materially altered without Lender's prior written consent except that
Mortgagor has the right to remove items of personal property comprising a part of the Property that become worn or obsolete,
provided that such personal property is replaced with other personal property at least equal in value to the replaced personal
property, free from any title retention device, security agreement or other encumbrance. Such replacement of personal property
will be deemed subject to the security interest created by this Security Instrument. Mortgagor will not partition or subdivide the
Property without Lender's prior written consent.

Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time and frequency for the purpose of
inspecting, vaiuating, or appraising the Property. Lender will give Mortgagor notice at the time of or before an on-site
inspection, valuation, or appraisal for on-going due diligence or otherwise specifying a reasonable purpose. Any inspection,
valuation or appraisal of the Property will be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's
inspection, valuation or appraisal for its own purpose, except as otherwise provided by law.

12. AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security
Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact
ta sign Mortgagor's name or pay any amount necessary for performance. Lender’s right to perform for Mortgagor will not create
an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender’s other rights
under the law or this Security Instrument. !f any construction on the Property is discontinued or not carried on in a reasonable
manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the
construction.

13. DEFAULT. Mortgagor will be in default if any of the following events (known separately and collectively as an Event of
Default) occur:

A. Payments. Mortgagor fails to make a payment in full when due.

FELICIA JACKSON STANLEY
Florida Martgage
FL/4XXXXXXXX10000000002247049N Wolters Kluwer Financial Services 1996, 2020 Bankers Systerns™
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 5 of 9
B. Insolvency or Bankruptcy. The death, dissolution or insolvency of, appointment of a receiver by or on behalf of,
application of any debtor relief law, the assignment for the benefit of creditors by or on behalf of, the voluntary or involuntary
termination of existence by, or the commencement of any proceeding under any present or future federal or state insolvency,
bankruptey, reorganization, composition or debtor relief law by or against Mortgagor, Borrower, or any co-signer, endorser,
surety or guarantor of this Security Instrument or any other obligations Borrower has with Lender.

C. Death or Incompetency. Mortgagor dies or is declared legally incompetent.

D. Failure to Perform. Mortgagor fails to perform any condition or to keep any promise or covenant of this Security
instrument.

E. Other Documents. A default occurs under the terms of any other document relating to the Secured Debts.
F. Other Agreements. Mortgagor is in default on any other debt or agreement Mortgagor has with Lender.

G. Misrepresentation. Mortgagor makes any verbal or written statement or provides any financial information that is untrue,
inaccurate, or conceals a material fact at the time it is made or provided.

H. Judgment. Mortgagor fails to satisfy or appeal any judgment against Mortgagor.
|. Forfeiture. The Property is used in a manner or for a purpose that threatens confiscation by a egal authority.

4. Name Change. Mortgagor changes Mortgagor's name or assumes an additional name without notifying Lender before
making such a change.

K. Property Transfer. Mortgagor transfers all or a substantial part of Mortgagor’s money or property. This condition of
default, as it relates to the transfer of the Property, 1s subject to the restrictions contained in the DUE ON SALE section.

L. Property Value. Lender determines in good faith that the value of the Property has declined or is impaired.

M. Insecurity. Lender determines in good faith that a material adverse change has occurred in Mortgagor’s financial
condition from the conditions set forth in Mortgagor's most recent financial statement before the date of this Security
Instrument or that the prospect for payment or performance of the Secured Debts is impaired for any reason.

N. Death or Incompetency of a Guarantor. Any guarantor of payment of the Secured Debts dies or is declared legally
incompetent.

O. Failure to Comply with Laws. Mortgagor fails to comply with all applicable laws, statutes, ordinances and governmental
rules, regulations and orders to which Mortgagor is subject or which apply to Mortgagor’s business, property or assets.

P. Fraud. Mortgagor engages in fraud or material misrepresentation in connection with this transaction.

14. REMEDIES. On or after the occurrence of an Event af Defauit, Lender may use any and all remedies Lender has under
state or federal law or in any document relating to the Secured Debts. Any amounts advanced on Mortgagor's behalf will be
immediately due and may be added to the balance owing under the Secured Debts. Lender may make a claim for any and all
insurance benefits or refunds that may be available on Mortgagor's default.

Subject to any right to cure, required time schedules or any other notice rights Mortgagor may have under federal and state law,
Lender may make all or any part of the amount owing by the terms of the Secured Debts immediately due and foreclose this
Security Instrument in a manner provided by Jaw upon the occurrence of an Event of Default or anytime thereafter.

All remedies are distinct, cumulative and not exclusive, and Lender is entitled to all remedies provided at {aw or equity, whether
or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debts after the
balance is due or is accelerated or after foreclosure proceedings are filed will not constitute a waiver of Lender's right to require
full and complete cure of any existing default. By not exercising any remedy, Lender does not waive Lender's right to later
consider the event a default if it continues or happens again.

15. COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after the occurrence of an Event of Default, to the extent
permitted by law, Mortgagor agrees to pay all expenses of collection, enforcement, valuation, appraisal or protection of Lender’s
rights and remedies under this Security Instrument or any other document relating to the Secured Debts. Mortgagor agrees to pay
expenses for Lender to inspect, valuate, appraise and preserve the Property and for any recordation costs of releasing the
Property from this Security Instrument. Expenses include, but are not limited to, attorneys’ fees of 10 percent of the Principal
sum due or a larger amount as the court judges as reasonable and just, court costs and other legal expenses. These expenses are
due and payable immediately. If not paid immediately, these expenses will bear interest from the date of payment until paid in
full at the highest interest rate in effect as provided for in the terms of the Secured Debts. tn addition, to the extent permitted by
the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys’ fees incurred by Lender to protect
Lender's rights and interests in connection with any bankruptcy proceedings initiated by or against Mortgagor.

16. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (1) Environmental Law
means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C.
9601 et seq.), all other federal, state and local laws, regulations, ordinances, court orders, attarney general opinions or
interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) Hazardous
Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which
render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term inciudes,
without limitation, any substances defined as "hazardous material,” "toxic substance," “hazardous waste,” "hazardous substance,"
or "regulated substance” under any Environmental Law.

Mortgagor represents, warrants and agrees that:

A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance has been, is, or will be
located, transported, manufactured, treated, refined, or handted by any person on, under or about the Property, except in the
ordinary course of business and in strict compliance with all applicable Environmental Law.

FELICIA JACKSON STANLEY
Florida Mortgage tnitials
Fl /4XXXXXXX X0C000000002247049N Wolters Kluwer Financial Services “1996, 2020 Bankers Systems™ Pa
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 6 of 9
B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has not and will not cause, contribute
to, or permit the release of any Hazardous Substance on the Property.

C. Mortgagor will immediately notify Lender if (1) a release or threatened release of Hazardous Substance occurs on, under
or about the Property or migrates or threatens to migrate from nearby property: or (2) there is a violatian of any
Environmental Law concerning the Property. In such an event, Mortgagor will take all necessary remedial action in
accordance with Environmental Law.

D. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor has no knowledge of or reason to
believe there is any pending or threatened investigation, claim, or proceeding of any kind relating te (1) any Hazardous
Substance located on, under or about the Property; or (2} any violation by Mortgagor or any tenant of any Environmental
Law. Mortgagor will immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any such
pending or threatened investigation, claim, or proceeding. In such an event, Lender has the right, but not the obligation, to
participate in any such proceeding including the right to receive copies of any documents relating to such proceedings.

E. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are and
will remain in full compliance with any applicable Environmental Law.

F. Except as previously disclosed and acknowledged in writing to Lender, there are no underground storage tanks, private
dumps or open wells located on or under the Property and no such tank, dump or well will be added unless Lender first
consents in writing.

G. Mortgagor will regularly inspect the Property, monitor the activities and operations on the Property, and confirm that all
permits, licenses or approvals required by any applicable Environmental Law are obtained and complied with.

H. Martgagor will permit, or cause any tenant to permit, Lender or Lender's agent to enter and inspect the Property and
review all records at any reasonable time to determine (1) the existence, location and nature of any Hazardous Substance on,
under or about the Property; (2) the existence, location, nature, and magnitude of any Hazardous Substance that has been
released on, under or about the Property; or (3) whether or not Mortgagor and any tenant are in compliance with applicable
Environmental Law.

1. Upon Lender's request and at any time, Mortgagor agrees, at Mortgagor's expense, to engage a qualified envtronmental
engineer to prepare an environmental audit of the Property and to submit the results of such audit to Lender. The choice of
the environmental engineer who will perform such audit is subject to Lender's approval.

J. Lender has the right, but not the obligation, to perform any of Mortgagor's obligations under this section at Mortgagor's
expense.

K. As a consequence of any breach of any representation, warranty or promise made in this section, (1) Mortgagor will
indemnify and hold Lender and Lender's successors or assigns harmless fram and against all losses, claims, demands,
liabilities, damages, cleanup, response and remediation costs, penalties and expenses, including without limitation all costs of
litigation and attorneys’ fees, which Lender and Lender's successors or assigns may sustain; and (2} at Lender's discretion,
Lender may release this Security Instrument and in return Mortgagor will provide Lender with collateral of at least equal
value to the Property without prejudice to any of Lender's rights under this Security Instrument.

L. Notwithstanding any of the language contained in this Security Instrument to the contrary, the terms of this section will
survive any foreclosure or satisfaction of this Security Instrument regardless of any passage of title to Lender or any
disposition by Lender of any or all of the Property. Any claims and defenses to the contrary are hereby waived.

17. CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action by private or public
entities to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Mortgagor
authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to
Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of alt or any part of the
Property. Such proceeds will be considered payments and will be applied as provided in this Security Instrument. This
assignment of proceeds ts subject ta the terms of any prior mortgage, deed of trust, security agreement or ather lien document.

18. INSURANCE. Mortgagor agrees to keep the Property insured against the risks reasonably associated with the Property.
Mortgagor will maintain this insurance in the amounts Lender requires. This insurance will last until the Property is released
from this Security Instrument. What Lender requires pursuant to the preceding two sentences can change during the term of the
Secured Debts. Mortgagor may choose the insurance company, subject to Lender’s approval, which will not be unreasonably
withheld.

All insurance policies and renewals shall include a standard “mortgage clause” (or “lender loss payable clause") endorsement that
names Lender as “mortgagee” and “loss payee”. If required by Lender, all insurance policies and renewals will also include an
"additional insured” endorsement that names Lender as an “additional insured". If required by Lender, Mortgagor agrees to
maintain comprehensive general liability insurance and rental Joss or business interruption insurance in amounts and under
policies acceptable to Lender. The comprehensive general liability insurance must name Lender as an additional insured, The
rental loss or business interruption insurance must be in an amount equal to at least coverage of one year's debt service, and
required escrow account deposits (if agreed to separately in writing).

Mortgagor will give Lender and the insurance company immediate notice of any loss. Atl insurance proceeds will be applied to
restoration or repair of the Property or to the Secured Debts, at Lender's option. If Lender acquires the Property in damaged
condition, Mortgagor's rights to any insurance policies and proceeds will pass to Lender to the extent of the Secured Debts.

Mortgagor will immediately notrfy Lender of cancellation or termination of insurance. If Mortgagor fails to keep the Property
insured, Lender may obtain insurance to protect Lender's interest in the Property and Mortgagor will pay for the insurance on
Lender’s demand. Lender may demand that Mortgagor pay for the insurance all at once, or Lender may add the insurance
premiums to the balance of the Secured Debts and charge interest on it at the rate that applies to the Secured Debts. This

insurance may include lesser or greater coverages than originally required of Mortgagor, may be written by a company other thart}~ >}
FELICIA JACKSON STANLEY

Florida Mortgage Inia
FL/AXXXXXXXX0000000000224 7049N Wolters Kiuwer Financial Services ©1996, 2020 Bankers Systems'” 4

FELICIA JACKSON STANLEY Lf

Florida Mortgage Initial
FL/4XXXXXXX X0000000000224 7049N, Wolters Kluwer Financial Services “1996, 2020 Bankers Systems!" ms ‘age
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 7 of 9
one Mortgagor would choose, and may be written at a higher rate than Mortgagor could obtain if Mortgagor purchased the
insurance. Mortgagor acknowledges and agrees that Lender or one of Lender's affiliates may receive commissions on the
purchase of this insurance.

19. ESCROW FOR TAXES AND INSURANCE. Mortgagor will not be required to pay to Lender funds for taxes and
insurance in escrow.

20. WAIVERS. Except to the extent prohibited by law, Mortgagor waives all appraisement and homestead exemption rights
relating to the Property.

21. USE OF PROPERTY. Mortgagor shall not use or occupy the Property in any manner that would constitute a violation of
any state and/or federal laws involving controlled substances, even in a jurisdiction that allows such use by state or local law or
ordinance. In the event that Mortgagor becomes aware of such a violation, Mortgagor shail take all actions allowed by law to
terminate the violating activity.

In addition to all other indemnifications, obligations, rights and remedies contained herein, if the Lender and/or its respective
directors, officers, employees, agents and attorneys (each an "Indemnitee") is made a party defendant to any litigation or any
claim is threatened or brought against such Indemnitee concerning this Security Instrument or the related property or any part
thereof or therein or concerning the construction, maintenance, operation or the occupancy or use of such property, then the
Mortgagor shail (to the extent permitted by applicable law) indemnify, defend and hald each Indemnitee harmless from and
against all liability by reason of said litigation or claims, including attorneys’ fees and expenses incurred by such Indemnitee in
connection with any such litigation or claim, whether or not any such litigation or claim is prosecuted to judgment, To the extent
permitted by applicable law, the within indemnification shall survive payment of the Secured Debt, and/or any termination,
release or discharge executed by the Lender in favor of the Mortgagor.

Violation of this provision is a material breach of this Security Instrument and thereby constitutes a default under the terms and
provisions of this Security Instrument.

22. APPLICABLE LAW. This Security Instrument is governed by the laws of Florida, the United States of America, and to the
extent required, by the laws of the jurisdiction where the Property is located, except to the extent such state laws are preempted
by federal law.

23. JOINT AND SEVERAL LIABILITY AND SUCCESSORS. Each Mortgagor's obligations under this Security Instrument
are independent of the obligations of any other Mortgagor. Lender may sue each Mortgagor severally or together with any other
Mortgagor. Lender may release any part of the Property and Mortgagor will still be obligated under this Security Instrument for
the remaining Property. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify or make
any change in the terms of this Security Instrument or any evidence of debt without Mortgagor's consent. Such a change will not
release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security Instrument will bind and
benefit the successors and assigns of Lender and Mortgagor.

24. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amended or modified by
oral agreement. No amendment or modification of this Security Instrument is effective unless made in writing. This Security
Instrument and any other documents relating to the Secured Debts are the complete and final expression of the agreement. If any
provision of this Security Instrument is unenforceable, then the unenforceable provision will be severed and the remaining
provisions will still be enforceable.

25. INTERPRETATION. Whenever used, the singular includes the plural and the plurat includes the singular. The section
headings are for convenience only and are not to be used to interpret or define the terms of this Security Instrument.

26. NOTICE, ADDITIONAL DOCUMENTS AND RECORDING FEES. Unless otherwise required by law, any notice will
be given by delivering it or mailing it by first class mail or via a nationally recognized overnight courier to the appropriate party's
address listed in the DATE AND PARTIES section, or to any other address designated in writing. Notice to one Mortgagor will
be deemed to he notice to all Mortgagors. Mortgagor will inform Lender in writing of any change in Mortgagor’s name, address
or other application information. Mortgagor will provide Lender any other, correct and complete information Lender requests to
effectively mortgage or convey the Property. Mortgagor agrees to pay all expenses, charges and taxes in connection with the
preparation and recording of this Security Instrument. Mortgagor agrees to sign, deliver, and file any additional documents or
certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security
Instrument and to confirm Lender's lien status on any Property, and Mortgagor agrees to pay all expenses, charges and taxes in
connection with the preparation and recording thereof. Time is of the essence.

27. WAIVER OF JURY TRIAL. All of the parties to this Security Instrument knowingly and intentionally, irrevocably
and unconditionally, waive any and all right to a trial by jury in any litigation arising out of or concerning this Security
Instrument or any other documents relating to the Secured Debts or related obligation. All of these parties acknowledge
that this section has either been brought to the attention of each party's legal counsel or that each party had the
opportunity to do so.

ct.

FELICIA JACKSON STANLEY
Florida Mortgage Instrat
FL/4AXXXXX XX X0000000000224 7049N Wolters Kluwer Financial Services “1996, 2020 Bankers Systems" age
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 8 of 9
SIGNATURES. By signing, Mortgagor agrees to the terms and covenants contained in this Security Instrument. Mortgagor also
acknowledges receipt of a copy of this Security Instrument.

MORTG he

LICIA er SL _)

(Witness)

LENDER:

American Commerce Bank, N.A.

of pate | LY owe 4 fea fio

JUSTIN WIMBERLY, VP meee

Date
(Witness)
Date
(Attest)
KNOWLEDGMENT.
“i oF (U AY or lit

This instrument was ack owledged before me by means of physical presence this oA day of
Sepia » by FELICIA JACKSON STANLEY , who is personally known to me or who has
produced / as identification.

My commission expires: / \ NG HN

(Notdry’Public)

JESSICAE BENNETT
MY COMMISSION # GG 091759

EXPIRES: June 23, 2021
Bret Thry Netary Public Uaderwters

FELICIA JACKSON STANLEY
Florida Mortgage
FL/4XXXXXXXXO00000000002247049N Wolters Kluwer Financial Services 91996, 2020 Bankers Systems™
Case 4:22-cr-00032-MW-MAF     Document 63-1     Filed 03/28/23     Page 9 of 9
(Lender Acknowledgment)
OF ; OF SS.
This instrument was acknowledged before me by means of physical presence this day of

' by JUSTIN WIMBERLY -- VP NMLS #465731 of American Commerce Bank,
N.A., a corporation, on behalf of the corporation. He/she/they is/are personally known to me or has/have produced
as identification.

My commission expires:

(Notary Public}

FELICIA JACKSON STANLEY fd
Florida Mortgage rut ats
FL/4AXXXXXXXX00000000002247049N Wolters Kluwer Financial Services "1996, 2020 Bankers Systems'™ Y


File and source

File

gov.uscourts.flnd.433859.63.1.pdf

Size

407,891 bytes

SHA-256

533483269629af5f2a2440352747006a44a28b2b6ba22831decc9ab41c4cf44b

Our copy

gov.uscourts.flnd.433859.63.1.pdf

Original

PACER (login required)