Exhibit B (Note) — USA v. Stanley et al. (Dkt. 63-2, N.D. Fla.)

Summary

Exhibit B to Document 63 in United States v. Stanley (N.D. Fla., Case 4:22-cr-00032-MW-MAF), filed 03/28/23, is a promissory note of September 29, 2020 in which Felicia Jackson Stanley borrows $51,000.00 from American Commerce Bank, N.A. at 5.250 percent. The note calls for 59 monthly payments of $411.98 from October 29, 2020 and a balloon payment of the remaining balance on September 29, 2025, with 16.000 percent interest after maturity. The stated purpose is to buy investment property, a lot in Tallahassee Ranch Club, secured by a mortgage of the same date; fees include a $510.00 loan origination fee.

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Case 4:22-cr-00032-MW-MAF     Document 63-2     Filed 03/28/23     Page 1 of 5
EXHIBIT B
Case 4:22-cr-00032-MW-MAF     Document 63-2     Filed 03/28/23     Page 2 of 5
LOAN NUMBER LOAN NAME ACCT. NUMBER NOTE DATE INITIALS
332 FELICIA JACKSON 09/29/20 JSW
STANLEY
NOTE AMOUNT INDEX (w/Margin) RATE MATURITY DATE LOAN PURPOSE
$51,000.00 Not Applicable 5.250% 09/29/25 Commercial
Creditor Use Only

PROMISSORY NOTE

(Commercial - Single Advance)
State of Florida's Documentary Stamps have been affixed to the security instrument which secures this Note and will be cancelled pursuant to law.

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

LENDER:
AMERICAN COMMERCE BANK, N.A.
536 N Monroe Street
Tallahassee, FL 32301
Telephone: 850-681-7761

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

1. DEFINITIONS. As used in this Note, the terms have the following meanings:

A. Pronouns. The pronouns “I,” "me," and "my" refer to each Borrower signing this Note and each other person or legal entity (including guarantors,
endorsers, and sureties) who agrees to pay this Note. "You" and "Your" refer to the Lender, any participants or syndicators, successors and assigns, or any
person or company that acquires an interest in the Loan.

B. Note. Note refers to this document, and any extensions, renewals, modifications and substitutions of this Note.

C. Loan. Loan refers to this transaction generally, including obligations and duties arising from the terms of all documents prepared or submitted for this
transaction such as applications, security agreements, disclosures or notes, and this Note.

D. Loan Documents. Loan Documents refer to all the documents executed as a part of or in connection with the Loan.

E. Property. Property is any property. real, personal or intangible, that secures my performance of the obligations of this Loan.

F. Percent. Rates and rate change limitations are expressed as annualized percentages.

G. Dollar Amounts. All dollar amounts will be payable in lawful money of the United States of America.
2. PROMISE TO PAY. For value received, | promise to pay you or your order, at your address, or at such other location as you may designate, the principal
sum of $51,000.00 (Principal) plus interest from September 29, 2020 on the unpaid Principal balance until this Note matures or this obligation is accelerated.
3. INTEREST. Interest will accrue on the unpaid Principal balance of this Note at the rate of 5.250 percent (Interest Rate).

A. Post-Maturity Interest. After maturity or acceleration, interest will accrue on the unpaid Principal balance of this Note at 16.000 percent until paid in
full.

B. Maximum Interest Amount. Any amount assessed or collected as interest under the terms of this Note will be limited to the maximum lawful amount of
interest allowed by applicable law. Amounts collected in excess of the maximum lawful amount will be applied first to the unpaid Principal balance. Any
remainder will be refunded to me.

C. Statutory Authority. The amount assessed or collected on this Note is authorized by the Florida usury laws under Fla. Stat. § 687
D. Accrual. Interest accrues using an Actual/360 days counting method.

4. ADDITIONAL CHARGES. As additional consideration, | agree to pay, or have paid, these additional fees and charges.

A. Nonrefundable Fees and Charges. The following fees are earned when collected and will not be refunded if | prepay this Note before the scheduled
maturity date.

Florida Doc Stamp. A(n) Florida Doc Stamp fee of $178.50 payable from separate funds on or before today’s date.

Intangible Tax. A(n) Intangible Tax fee of $102.00 payable from separate funds on or before today’s date.

Loan Origination. A(n) Loan Origination fee of $510.00 payable from separate funds on or before today’s date.

Flood Certification. A(n) Flood Certification fee of $12.50 payable from separate funds on or before today’s date

Appraisal. A(n) Appraisal fee of $375.00 payable from separate funds on or before today’s date.

Administrative Fee. A(n) Administrative Fee fee of $250.00 payable from separate funds on or before today's date.

5. REMEDIAL CHARGES. In addition to interest or other finance charges, | agree that | will pay these additional fees based on my method and pattern of
payment. Additional remedial charges may be described elsewhere in this Note. =

FELICIA JACKSON STANLEY
Florida Promissory Note Initi
FL/4XXXXXXXX00000000002247049N Wolters Kluwer Financial Services ©1996, 2020 Bankers Systems’” age |
Case 4:22-cr-00032-MW-MAF     Document 63-2     Filed 03/28/23     Page 3 of 5
A. Late Charge. If a payment is more than 10 days late, | will be charged 5.000 percent of the Unpaid Portion of Payment or $10.00, whichever is greater.
However, this charge will not be greater than $400.00. | will pay this late charge promptly but only once for each late payment.

6. PURCHASE MONEY LOAN. You may include the name of the seller on the check or draft for this Note.

7. PAYMENT. | agree to pay this Note in 60 payments. This Note is amortized over 180 payments. | will make 59 payments of $411.98 beginning on October
29, 2020, and on the 29th day of each month thereafter. A single “balloon payment’ of the entire unpaid balance of Principal and interest will be due September

Payments will be rounded to the nearest $.01. With the final payment | also agree to pay any additional fees or charges owing and the amount of any advances
you have made to others on my behalf. Payments scheduled to be paid on the 29th, 30th or 31st day of a month that contains no such day will, instead, be made
on the last day of such month.

Each payment | make on this Note will be applied first to interest that is due, then to principal that is due, then to escrow that is due, then to late charges that are
due, and finally to any charges that | owe other than principal and interest. If you and | agree to a different application of payments, we wil! describe our
agreement on this Note. You may change how payments are applied in your sole discretion without notice to me. The actual amount of my final payment will
depend on my payment record.

8. PREPAYMENT. | may prepay this Loan in full or in part at any time. Any partial prepayment will not excuse any later scheduled payments until | pay in
full.

9. LOAN PURPOSE. The purpose of this Loan is Purchase Investment Property - Lot in Tallahassee Ranch Club.
10. SECURITY. The Loan is secured by separate security instruments prepared together with this Note as follows:

Document Name Parties to Document Date of Security Document
Mortgage - XXX Painted Post Trail, Tallahassee, FL FELICIA JACKSON STANLEY September 29, 2020

11. DEFAULT. | will be in default if any of the following events (known separately and collectively as an Event of Default) occur:
A. Payments. | fail to make a payment in full when due.

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, bankruptcy, reorganization, composition or debtor relief law by or against me or any
co-signer, endorser, surety or guarantor of this Note or any other obligations | have with you.

C. Death or Incompetency. | die or am declared legally incompetent.

D. Failure to Perform. | fail to perform any condition or to keep any promise or covenant of this Note
E. Other Documents. A default occurs under the terms of any other Loan Document.

F. Other Agreements. | am in default on any other debt or agreement | have with you

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

H. Judgment. | fail to satisfy or appeal any judgment aqainst me.

|. Forfeiture. The Property is used in a manner or for a purpose that threatens confiscation by a legal authority.

J, Name Change. | change my name or assume an additional name without notifying you before making such a change.

K. Property Transfer. | transfer all or a substantial part of my money or property.

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

M. Insecurity. You determine in good faith that a material adverse change has occurred in my financial condition from the conditions set forth in my most
recent financial statement before the date of this Note or that the prospect for payment or performance of the Loan is impaired for any reason.

12. DUE ON SALE OR ENCUMBRANCE. You may, at your option, declare the entire balance of this Note 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.

13. WAIVERS AND CONSENT. To the extent not prohibited by law, | waive protest, presentment for payment, demand, notice of acceleration, notice of
intent to accelerate and notice of dishonor.

A. Additional Waivers By Borrower. |n addition, |, and any party to this Note and Loan, to the extent permitted by law, consent to certain actions you may
take, and generally waive defenses that may be available based on these actions or based on the status of a party to this Note.

(1) You may renew or extend payments on this Note, regardless of the number of such renewals or extensions.

(2) You may release any Borrower, endorser, guarantor, surety, accommodation maker or any other co-signer.

(3) You may release, substitute or impair any Property securing this Note.

(4) You, or any institution participating in this Note, may invoke your right of set-off.

(5) You may enter into any sales, repurchases or participations of this Note to any person in any amounts and | waive notice of such sales, repurchases
or participations.

(6) | agree that any of us signing this Note as a Borrower is authorized to modify the terms of this Note or any instrument securing, guarantying or
relating to this Note

FELICIA JACKSON STANLEY
Florida Promissory Note Initials
FL/4XXXXXXXX00000000002247049N Wolters Kluwer Financial Services “1996, 2020 Bankers Systems" Pag
Case 4:22-cr-00032-MW-MAF     Document 63-2     Filed 03/28/23     Page 4 of 5
B. No Waiver By Lender. Your course of dealing, or your forbearance from, or delay in, the exercise of any of your rights, remedies, privileges or right to
insist upon my strict performance of any provisions contained in this Note, or any other Loan Document, shall not be construed as a waiver by you, unless
any such waiver is in writing and is signed by you.

14, REMEDIES. After | default, you may at your option do any one or more of the following.
A. Acceleration. You may make all or any part of the amount owing by the terms of this Note immediately due.
B. Sources. You may use any and all remedies you have under state or federal law or in any Loan Document.
C. Insurance Benefits. You may make a claim for any and all insurance benefits or refunds that may be available on my default.

D. Payments Made On My Behalf. Amounts advanced on my behalf will be immediately due and may be added to the balance owing under the terms of
this Note, and accrue interest at the highest post-maturity interest rate.

E. Attachment. You may attach or garnish my wages or earnings.

F. Set-Off. You may use the right of set-off. This means you may set-off any amount due and payable under the terms of this Note against any right | have
to receive money from you.

My right to receive money from you includes any deposit or share account balance | have with you; any money owed to me on an item presented to you or in
your possession for collection or exchange; and any repurchase agreement or other non-deposit obligation. “Any amount due and payable under the terms of
this Note” means the total amount to which you are entitled to demand payment under the terms of this Note at the time you set-off.

Subject to any other written contract, if my right to receive money from you is also owned by someone who has not agreed to pay this Note, your right of
set-off will apply to my interest in the obligation and to any other amounts | could withdraw on my sole request or endorsement.

Your right of set-off does not apply to an account or other obligation where my rights arise only in a representative capacity. It also does not apply to any
Individual Retirement Account or other tax-deferred retirement account.

You will not be liable for the dishonor of any check when the dishonor occurs because you set-off against any of my accounts. | agree to hold you harmless
from any such claims arising as a result of your exercise of your right of set-off.

G. Waiver. Except as otherwise required by law, by choosing any one or more of these remedies you do not give up your right to Use any other remedy.
You do not waive a default if you choose not to use a remedy. By electing not to use any remedy, you do not waive your right to later consider the event a
default and to use any remedies if the default continues or occurs again

15. COLLECTION EXPENSES AND ATTORNEYS’ FEES. On or after the occurrence of an Event of Default, to the extent permitted by law, | agree to pay
all expenses of collection, enforcement or protection of your rights and remedies under this Note or any other Loan Document, 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 this Note. All fees and expenses will be secured by the Property | have granted to you, if any.
In addition, to the extent permitted by the United States Bankruptcy Code, | agree to pay the reasonable attorneys’ fees incurred by you to protect your rights and
interests in connection with any bankruptcy proceedings initiated by or against me.

16. COMMISSIONS. | understand and agree that you (or your affiliate) will earn commissions or fees on any insurance products, and may earn such fees on
other services that | buy through you or your affiliate

17. WARRANTIES AND REPRESENTATIONS. | have the right and authority to enter into this Note. The execution and delivery of this Note will not
violate any agreernent governing me or to which | am a party.

18. INSURANCE. | agree to obtain the insurance described in this Loan Agreement

A. Property Insurance. | will insure or retain insurance coverage on the Property and abide by the insurance requirements of any security instrument
securing the Loan

B. Insurance Warranties. | agree to purchase any insurance coverages that are required, in the amounts you require, as described in this or any other
documents | sign for the Loan. | will provide you with continuing proof of coverage. | will buy or provide insurance from a firm licensed to do business in
the State where the Property is located. If | buy or provide the insurance from someone other than you, the firm will be reasonably acceptable to you. | will
have the insurance company name you as loss payee on any insurance policy. You will apply the insurance proceeds toward what | owe you on the
outstanding balance. | agree that if the insurance proceeds do not cover the amounts | still owe you, | will pay the difference. | will keep the insurance until
all debts secured by this agreement are paid. If | want to buy the insurance from you, | have signed a separate statement agreeing to this purchase.

19. APPLICABLE LAW. This Note 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.

20. JOINT AND SEVERAL LIABILITY AND SUCCESSORS. My obligation to pay the Loan is independent of the obligation of any other person who has
also agreed to pay it. You may sue me alone, or anyone else who is obligated on the Loan, or any number of us together, to collect the Loan. Extending the
Loan or new obligations under the Loan, will not affect my duty under the Loan and | will still be obligated to pay the Loan. This Note shall inure to the benefit
of and be enforceable by you and your successors and assigns and shall be binding upon and enforceable against me and my successors and assigns.

21. AMENDMENT, INTEGRATION AND SEVERABILITY. This Note may not be amended or modified by oral agreement. No amendment or modification
of this Note is effective unless made in writing. This Note and the other Loan Documents are the complete and final expression of the agreement. If any
provision of this Note is unenforceable, then the unenforceable provision will be severed and the remaining provisions will still be enforceable. No present or
future agreement securing any other debt | owe you will secure the payment of this Loan if, with respect to this loan, you fail to fulfill any necessary requirements
or fail to conform to any limitations of the Real Estate Settlement Procedures Act (Regulation X) that are required for loans secured by the Property or if, as a
result, this Loan would become subject to Section 670 of the John Warner National Defense Authorization Act for Fiscal Year 2007.

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

23. NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. 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 Borrower will be deemed to be notice to all Borrowers. | will inform you in writing of any change in my
name, address or other application information. | will provide you any correct and complete financial statements or other information you request. | agree to
sign, deliver, and file any additional documents or certifications that you may consider necessary to perfect, continue, and preserve my obligations under this
Loan and to confirm your lien status on any Property. Time is of the essence. Val

FELICIA JACKSON STANLEY
Florida Promissory Note Initials —
FL/AXXX XXX X X00000000002247049N Wolters Kluwer Financial Services ©1996, 2020 Bankers Systems” t
Case 4:22-cr-00032-MW-MAF     Document 63-2     Filed 03/28/23     Page 5 of 5
24. CREDIT INFORMATION. | agree to supply you with whatever information you reasonably request. You will make requests for this information without
undue frequency, and will give me reasonable time in which to supply the information.

25. ERRORS AND OMISSIONS. | agree, if requested by you, to fully cooperate in the correction, if necessary, in the reasonable discretion of you of any and
all loan closing documents so that all documents accurately describe the loan between you and me. | agree to assume all costs including by way of illustration and
not limitation, actual expenses, legal fees and marketing losses for failing to reasonably comply with your requests within thirty (30) days.

26. WAIVER OF JURY TRIAL. All of the parties to this Note 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 Note or any other Loan Document 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.

27. SIGNATURES. By signing, | agree to the terms contained in this Note, | also acknowledge receipt of a copy of this Note

FELICIA Gan STANLEY )

LENDER:

American Commerce Bank, N.A.

S| pe [en 20

JUSTI NMLS #465731

Date
(Attest)
Lyf
FELICIA JACKSON STANLEY 2
Florida Promissory Note Initials
FL/4XXXXXXXX00000000002247049N Wolters Kiuwer Financia! Services “1996, 2020 Bankers Systems’


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