Motion for Writ in Bank Of America, N.A., Successor By Merger To Fleet National Bank v. Gliyahu Grego A/K/A ELIYAHU GREGO A/K/A ELI YAHU GREGO, Rina Grego, Nyc Department Of Finance, Banco Popular North America, John Doe # 1-10, Jane Doe # 1-10| Trellis.Law

On July 02, 2024 a Exhibit,Appendix was filed involving a dispute between Bank Of America, N.A., Successor By Merger To Fleet National Bank, and Banco Popular North America, Gliyahu Grego A K A Eliyahu Grego A K A Eli Yahu Grego, Jane Doe # 1-10, John Doe # 1-10, Nyc Department Of Finance, Rina Grego, for Real Property - Mortgage Foreclosure - Residential in the District Court of Kings County.

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FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

LEGAL DESCRIPTION

All that certain plot, piece or parcel of land, situate, lying and being in the Borough of Brooklyn County of Kings and State
of New York, bounded and described as follows:

Beginning at a point on the westerly side of East 4th Street distant four hundred thirty-three (433) feet southerly from the
corner formed by the intersection of the southerly side of Avenue with the westerly side of East 4th Street;

Running Thence southerly parallel with the westerly side of East 4th Street 21 feet;

Running Thence easterly again parallel with the southerly side of Avenue U and part of the distance through a garage
party wall, 10 feet to the westerly side of East 4th Street;

Running Thence northerly along the said westerly side of East 4th Street 21 feet to the point nr place of Beginning.

Being the same property as conveyed from Rina Grego to Rina Grego & Eli Yahu Grego her husband as set forth as
Instrument No: 2005000126220 dated 02/07/2005, recorded 03/03/2005, County of Kings and State of New York.
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

MORTGAGE CONNECT

FORECLOSURE INFORMATION REPORT - UPDATE
Issued for the sole use and benefit of:
BANK OF AMERICA - PRE SALE

Order No.: 2944613 Loan No.: Fee: $ 0.00

Effective Date: 05/27/2024

Property Address:
2210 E 4th Street, Brooklyn, NY, 11223

1. Mortgage Connect has searched the following records with respect to the land:
a. Title plant records for KINGS County; and
b. The "General Index" of civil matters maintained by the KINGS County Recorder's office regarding vested owner(s

2. Based on the search described in paragraph 1 above, Mortgage Connect reports the following changes:

A.P. No.: 7130-29
1st ¼ Installment 2023-2024 Property Tax $1,936.46 Unpaid – Due 07/01/2023
2nd ¼ Installment 2023-2024 Property Tax $1,912.21 Unpaid – Due 10/01/2023
3rd ¼ Installment 2023-2024 Property Tax $1,990.77 Unpaid – Due 01/01/2024
4th ¼ Installment 2023-2024 Property Tax $1,966.11 Unpaid – Due 04/01/2024

LIMITATION OF LIABILITY
This Report contains information obtained from the public records as of the stated date of the Report in the county and
state where the land is located. Covenants, conditions and restrictions if any, are not reported. This Report is not
intended to be nor is it a legal opinion of title of any form of title insurance. As a part of the consideration given in
exchange for the issuance of this Report, recipient agrees that Mortgage Connect LPs (Mortgage Connect) sole liability
for any loss or damage directly caused by an error or omission in this Report and related to the foreclosure on the lien,
shall be limited to recipients actual proved loss or damage caused by the Mortgage Connect error or omission, except in
those states or jurisdictions where such an amount is prohibited or more limited by state or agency mandate.

All other liability for loss or damage is expressly disclaimed, including any indirect, consequential, or punitive damages,
whether alleged in tort or contract. This Report sets forth the complete, integrated agreement between Mortgage
Connect and the recipient.
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

0257*$*()25(&/2685(&(57,),&$7(
Issued for the sole use and benefit of:
BANK OF AMERICA - PRE SALE

Order No.: 2944613 Loan No.: Fee: $ 450.00

Effective Date: 10/29/2023

Property Address:
2210 E 4th Street, Brooklyn, NY, 11223

Title purported owner of record is:
Eliyahu Grego

See 2 owner requirement shown in Exhibit "A"
EXHIBIT "A"
1. The last recorded document purporting to transfer title to the land described herein shows the following
purported owner:

Grantor: Rina Grego
Grantee: Rina Grego & Eli Yahu Grego her husband
Dated: 02/07/2005
Date Recorded: 03/03/2005
Consideration/Transfer Tax: $10.00
Instrument No: 2005000126220

2. Grantor: Sami Zeitoune, Rina Grego
Grantee: Rina Grego
Dated: 08/25/1998
Date Recorded: 06/01/1999
Consideration/Transfer Tax: $10.00
Book: 4492
Page: 602
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

EXHIBIT "B"
1.
A.P. No.: Block-Lot: 7130-29

Assessed Valuation:
Land: $3,662.00
Improvements: $34,013.00
Exemptions:
Total Value: $37,675.00

Tax Obligation Information:
Tax Period: Real Estate
Tax Year: 2023 1st quarter
Tax Amount: $1,875.12
Tax Status: Delinquent

Exemption Information:
Homestead: No
Agricultural: No
Veteran: No
Over 65: No
Mobile Home: No
Disability: No

Tax Information: All Delinquent, includes interest -
10/01/2023 $1,851.64
07/01/2023 $1,875.12
04/01/2023 $1,784.98
01/01/2023 $1.784.98
10/01/2022 $1,722.78
07/01/2022 $1,722.78
04/01/2022 $1,546.34
01/01/2022 $1,546.34
10/01/2021 $1,727.30
07/01/2021 $1,727.30
04/01/2021 $1,790.86
01/01/2021 $1,790.86
10/01/2020 $1,744.39

Water Delinquent $6,265.37

2. A Deed of Trust/Mortgage to secure an original indebtedness of $150,000.00, and any amounts or obligations secured
thereby:

Dated: 03/23/2005
Recorded: 05/02/2005
As Instrument No.: 2005000252564 Of Official Records.
Trustor: Gliyahu Grego, Rina Grego
Beneficiary: Fleet National Bank
Open Ended?: Yes
Amount: $150,000.00

3. A Deed of Trust/Mortgage to secure an original indebtedness of $58,000.00, and any amounts or obligations secured
thereby:

Dated: 02/06/2017
Recorded: 02/14/2017
As Instrument No.: 2017000063208 Of Official Records.
Trustor: Rina Grego & Eli Yahu Grego, Her Husband, Eli Yahu Grego AKA Eliyahu Grego
Beneficiary: Banco Popular North America
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024
4. No evidence of the filing of a Homeowner's/Condominium Association within the scope of the search.

5. Probate searched for Eliyahu Grego, Gliyahu Grego, Rina Grego, nothing found of record per abstractor.

REPORT LIMITATION OF LIABILITY
This uninsured Report contains information obtained from the public records as of the stated date of the Report in the
county and state where the land is located. Covenants, conditions and restrictions if any, are not reported. This Report
may NOT contain all liens or defects impacting title to the property and is not necessarily an exhaustive search of all
available public land or other public records. This Report is NOT a legal opinion of title of any form of title insurance
including, but not limited to, a Trustee Sale Guarantee. Unless otherwise agreed to between the recipient of this report
and Mortgage Connect, Mortgage Connect’s sole liability for any and all loss or damage related to an error or omission in
this Report is limited to the cost of the Report, except in those states or jurisdictions where such an amount is prohibited
or more limited by state or agency mandate.

All other liability for loss or damage is expressly disclaimed, including any indirect, consequential, or punitive damages,
whether alleged in tort or contract.
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

NOTICES

The names of persons and addresses disclosed by the public records examined, who might be interested
in receiving notice of the foreclosure sale are:

Rina Grego & Eli Yahu Grego
2210 E 4th Street,
Brooklyn NY, 11223
Fee Owner

Bank of America, NA
100 North Tryon Street,
Charlotte, North Carolina 28255

NYC Department of Finance
P.O. Box 680
Newark NJ 07101-0680

Fleet National Bank
Consumer Loan Operations
315 Court Street
P.O. Box 3092
Utica, NY 13502

Banco Popular North America
1200 St. Nicholas Ave
New York, NY 10032
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 HomeEquity Credit·Ágreement
Line ofRECEIVED NYSCEF: 07/02/2024
(for use only in CT, PL, MA, ME, NH, NJ, NY, PAand RI)
"You," "Bank" mean b. Next, you add up all the daily balances for the billing period,and divide the
1. What the Words Mean. (a) "your", "yours", and the
Fleet National Bank, a Bank of America Company, its successorsand assigns; (b) total by the number of days in the billing period. This gives you the average daily
"I," "me," "my," "us" and "Borrower" mean each individual who signs this balance for myAccount. (If any daily balance is a credit balance, you consider that
Agreement, and each such individual's heirs, executors and adminierators; (c) day's balanceto equal zero.)
"Account" means the Account subject to this "Agreement"
Agreement; and (d)
meansthis Home Bquity Line of Credit Agreement (the "Agreement"). c. Then, you multiply the average daily balance times the daily periodic rate times
the number of days in the billing period. This gives you the finance charge on my
2. Credit Lhnit. Mycredit limit is $150, 099.99 . Account

The amount of my unpaid borrowings, interest and other charges on my Account The daily periodic rate is calculated by dividing the annual percentagerate by 365.
will not exceed my credit limit At your sole discretion, you may allow me to
exceed my credit limit. If you do, I will pay you the excess amount immediately
upon your request My initial ANNUALPERCENTAGE RATEis 4.990 % ( daily periodic
rate of 0.01367 %). It is basedupon a Prime Rate of 5.500 %and
3. Promise to Pay. I promise to pay you all amounts I borrow, plus finance
a ma gin of -0.510 percentagepoints t0.510 %) which I have selected.
charges and other fees and chargesunder the terms of this Agreement.
Except as limited by the maximumannual percentagerate, an increase in the Prime
Period" Rate as described above will result in a corresponding increase in my annual
4. Line of Credit. During the "Draw I mayobtain loan advanceson my
Account in the following manner: (1) by using special checks; (2) by withdrawal or percentage rate, daily periodic rate, finance charge owed, and minimummonthly
transfer from the Account initiated through the use of a card that you have issued to payment.
me; or (3) by any other means that you make available. If I request card accessto
If any law is finally interpreted as limiting the finance charge or other charges
myAccount, this access maybe denied at any time if my debit card is cancelled for collected or to be collected in connection with my Account, them (0 any such
any reason or all of my Bank deposit accounts linked to my account are closed.
Card access may also be denied if my home equity Account is suspended or charge will be reduced by the amount necessary to reduce it to the permitted limit,
terminated as outlined in Sections 14, 15, and 16 of this Agreement. My Draw and (ii) any sumscollected from mewhich exceedthe permitted limit will be applied
Period starts on the day after my right to rescind this Agreement expires and to the amount of principal I then owe.
continues until the last day of the billing period ending during the 59th month after 7. Closing Costs. In addition to the finance charge which will be added to my
the month in which I sign this Agreement. Unless the Property securing the Account Account each billing cycle, I will pay the following fees; including real estate
is mConnecticut, at your option, the Draw Period maybe renewed for up to two closing and security filing fees
additional five year periods. If the Property securing the Account is in Connecticut,
at your option, the Draw Period may be renewed for one additional period of a Points and Commitment.............................. $ 0,.00
length you establish, but for not more than five years. You will notify mebefore the Document Preparation Pee .......................... $ 0 . 0O
end of any Draw Period whether or not you will renew myDraw Period. After my Mortgage Piling Fee .................................. $ 0 . 00
final Draw Period, I will pay the balance I owe over a fifteen year period
("Repayment Period"). During any DrawPeriod,.you do not have to make advances Title Examination &Certificate ................... $ O . 00
on the Account when my right to borrow has been suspended(see Section 14) or I..ender'sTitle Insurance ............................. $ 0 . 00
terminated (seeSection 15). 0. 00
Property Bvaluation Pee ............................. $
You will stop making advanceson the Account, or limit the amount you will lend, Mortgage Tax .......................................... $ 0.00
at the written request of any of us who signs this Agreement. After such request is Documentary Stamp Tax.............................. $ O. 00
received, any request for a reinstatement of prior credit privileges must be in
writing and signed by all of us.
I Max---..--.--.--.. $ b 00
Attorney Fee (n/a NJ) / Closing Agent ............ $ 0.00
I will not use myAccount to purchasethe property securing the Account Plood Determination................................... $ Q , QÇ
Notary Pee .............................................. $ 0 . 00
5. Security. To secure payment of all sums I oweyou under this Agreement, and
any extension, renewal or modification of the Agreement, and to secure all charges Other $ 0.00
under the mortgage of the Property securing the Account, I amgiving you a Othef $ 0.00
mortgage ("Mortgage") on myreal property located at:
Total AmountDue.................................... $ 0.00
2210 E 4TH ST KINGS BROOKLYN, NY 11223

(the "Property"). 8. Other Charges. Any charge listed below will be 'meluded in my minimum
payment due for that billing period during which the charge was posted m my
The Mortgage contains additional information. I agree to comply with all the terms Account During a Draw Period (but not Repayment Period), if I do not pay any
of the Mortgage and to reimburse you for any amounts you pay to protect the such charge (except the late charge) by the payment due date, such charge will be
Mortgage. The Mortgage will not secure any advancesor other chargesin excessof treated as a loan and included in mydaily balance beginning on the Srst day of the
my credit limit. Collateral securing other loans with you may also secure the billing period starting after the payment due date.
Account. The Mortgage and the Agreement will remain in effect even though my
Account balance maybe reduced to zero from time to time. (a) Annual Membership Fee. Bach year during a Draw Period, I will pay
an annual membership fee of $50.Ifl ama M"«rhusetts customer and I
6. Annual Percentage Rate and lilnance Charge. My annual percentagerate is cancel myAccount during any year, I will receive a refund equal to two
Rates" thirds of myannual fee paid for that year.
the highest Prime Rate most recently published under the heading "Money in
Thg 1Vall Street Joumal, plus a margin. My annual percentage rate may change
once each month on the first day of each billing period. If die Prime Rate is no If you waive the fee in any year, you maystill charge a fbe in subsequentyears.
longer published, you will choose a comparable independentindex upon which to
base my rate. My maximumANNUALPERCENTAGE RATE, permitted by (b) Late Charge. I will pay a late charge as checked below:
law, is checked below:
CT. FL, NJ, PA, ME, andRI: If any paymentis morethan 10days 1ste,I will
ME, NJ, CT, RI, PA, NH: 21% paya latechargeof $15.

PL, MA 18% MA: If any paymentis more than 15 days late, I will pay a late charge
of 310or 3%of thepayment,whicheveris less.
K NY: The greater of: (a) 15.9% or (b) five percentage points (S%) over
the annual percentage rate in effect when myAccount was opened, but in NH: If any paymentIs more than 10 days late, I will pay a late charge
no casewill it exceed 25% equalto $10or 5%of thepayment,whicheveris larger.
My annual percentagerate includes interest and no other costs.
Pinance charges accrue on each advancefrom the date of the advanceuntil payment NY: If any paymentis morethan15dayslate, I will pay a latechargeequalto 2%
is posted to myAccount. You figure the finance charge on myAccount as follows: of thepayment.
a. You take the beginning balance of myAccount each day, add any new loans, .
and subtract payments, credits, adjustments, and unpaid finance charges. During the (c) Early Cancellation Fee. Por MB, NJ, PA, and RI borrowers: If I ask you to
Draw Period (but not the Repayment Period) any charge listed in Section 8 (except close myAccount within 12 months after it is opened I will pay you $250.
a late charge) that is assessedand not paid by the payment due date shown on the Por CT, MA,FL, and NHborrowers: If I ask you to close myAccount
monthly statement on which it is itemized, will be treated as an advance and within 24 months after it is openedI will pay you $250.
included in the daily balance calculation beginning on the first day of the billing
period that starts after that payment due date. This gives you the daily balance for
myAccount. ONTHERBVBRSBSIDB-
-CONTINUBD
By signing below, I state I received a completed copy of the Agreement. I agree mthe provisions on all pagesof this Agreement. If I occupy the property as myprincipal
dwelling, I certify I have received two (2) copies of a Notice of Right to Cancel this transaction.

Executed under sealeffective 03 /23 /05
Borrower: v.. . Address: 2210 E 4TH ST BROOKLYNr NT 11223
G IY U GREGO
Borrower: Address:

Received and accepted Title:
by the Bank By:

_.._98317 Rev.09/2004 Page 1 of 3 Bault, Copy
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024
HomeEquity Line of Credit Agreement
(for use only in CT, FL, MA, ME, NENJ, NY, PA and RI)

(4 Early Termination Third Party Cost Rehnhursement. For NYborrowers: (o) my. action or inaction adversely affects the Property or any right of yours in
WhenI opened myAccount, I paid no closing cost to the Bank or to a third party. the Property,-such as: mytransferring (RIe to the Property, selling the Property or
If I ask you to close my account within 36 months after it is opened I will be failing to maintain required insurance on the Propesty, failing to pay taxes an the
- required to reimburse you $ 2,225. 0 O representing a portion of the Property, some other action by meresults in the fillag of a ]fen that is or becomes
I NewYork mortgage tax that youpaid on mybehalf. semor to yours, the Property is taken by eminent domain or fbreclosure by a prior
(e) Release of Mortgage. WhenI pay off myAccount, I will pay the actual cost lienholder;
of recording a Release or Moggage, as required by the city, town, or county in
which 160Property is located, at the time that the final payment on myaccount is (d) any of the following events adversely affects your rights in the Property: (1) a
collected. judgment is f0ed against me; CI) I commit wasts or fail to maintala the Property; (3)
I
mylilegal use of the Property subjects it to seizure; (4) I vacate the Property; (5)
9. Additional Charges. Any charge listed below will be treatedas if it were a loan. except Accounts secured by Connecticut pmperty, one of us dies (if the Account is
I It will be inchided unmediately in my daily balance and accrue interest from the secured by Connecticut property, the death of all of us who signed the Mortgage);
date of posting. or (1) a pedtion is filed Dy or against me under any banhuptcy or insolvency ]aw.
(a) PeriodEe Preperty Evaluation Ifee. At any time whenI am eligible fbr an If I amone of your executive officers, you may terminate my Account f any
extension or renewal of myDrawPeriod. or whenyou have reduced mycredit limit federal law dealing with credit extended to an executive officer requires that, as a
or suspendedmyright to Dorrow underSection 14 or terminated myAccount under condition of the plan, the credit shan be due and payable on demand.
Section 15, you may obtain an updated evaluation of the Paperty m determine
whether to grant the extension or renewal, to reinstate borrowing privileges, or to 16. Events After 'lermlantion. Subject to applicable law and without notifying
permit repayment in installments. I agree to pay the actual cost of such evaluation, if you terminate the Account, you may do one or more of the following:
up to a nIximum amount of $500. immediately close my Account; (b) return without paying any outstanding c
(b) Over Limit Fee. If you do not a check becauseit would cause me to drawn on my Account; (c) require me immediately to pay the entire outstanding
exceedmy credit limit, I will be 0. balance of my Account; (4 require me to pay the outstanding balance of my
(c) Returned Check Fee. If a ck or other instrument with which I make a Account as provided in Paragraph 10(b) ("Repayment Period"); (e) take any of my
payment on the Account is returned to you unpaid for any reason, I will be charged money in your possessionto pay what I owe, to the extcot permitted by law; or (f)
a returned check charge of $20 ($10 if I ama resident of MA). You will waive this suhject to applicable fbreclosure procedures, fbreclose the Mortgage.
fee if mycheck is drawn on a Bank deposit account.
(4 Miscellaneous Fees. You nwy charge me additional fees for extra services 11 CoHection Costs. If I fail to abide by any of mis Agreement you mayuse any
such as providing research and copies of documents, other (ban in response to a remedy permitted by law. Šo the extent permitted by law, I will pay you all
biHing err0r Ingmty. reasonabiscollection costs, including reasonableattorney's fees. If the Property is
in Florida, I agree to pay, in the event of default, all costs and expensesincurred in
10. Payment. collection or foreclosure, including attorneys' finesequal to ten percent (10%) of the
(a) Draw Period. During a Draw Period myminimum monthly payment will be principal sum or such ]arger amount as may be reasonableand just, and also all
attorneys' fees incurred in
the sum of: (1) the finance charge acemed during the billing period; (2) other costs, expenses and any appellate and bankruppy
charges posted to the Account during the billing period· @) any overdue payment; pmceedings. If I am successful in any partial defense, set.off or counterclaim
and (4) the amount of any advance in excess of my credit limit. Bxcept for any against you, the court may withhold payment of all or a portion of your attomey
advancein excessof mycredit limit, the minimum monthly paymentwill not reduce fees. New Nampshire and NewYork residents only: If I prevail m
any action
the amount of principal onstanding. I will cominue to make the paymentsdescribed bmught by you or Ene involving the Account, I shall be awarded reasonable
in this section until I begin to make the payments required dunng myRepayment attorneý*sfees. Pennsylvania residents only: If this Note is secured by real estate,
I Period. I will pay all of your reasonable attorney's fees which are actually incmred in
(b) Repayment Period. My fifteen year Repayment Period begins at the end of connecnon with foreciosure or other legal admin and up to $50 for your reasonable
attorneys' fees which are
mylast Draw Period. I will make monthly payments during the·RepaymentPeriod actually incured prior to commencementof foreciosure or
equal to 1/180th of the outstanding balance of myAccount at the and of the Draw other legal action.
I Period, plus monthly finance charges, other charges and amounts past due. During
the RepaymentPeriod Imay not obtain additional advancesfrom myAccount, 18. Delay in Enforcement. You enn delay enfbming any of your rights under this
(c) Meansof Payment. I will make mym'mimum monthly payment by the due Agreement without losing those rights or any other nghts. If you waive any right
date shown on my billing statement. I may pr ay all or part of the money by once, it doesnot mean that you must waive that or any other right later.
paying momthan the mmunum monthly payment omtime to time without penalty.
A partia( prepayment does not relieve meof my obligation to pay the amounts 19. Copies. You can prove I owe you money by using copies of docurnents as if
shown on tutum statements. they were the originals.
(d) Applying Payments. Paymentswill be applied first to billed fmance charges,
then to ahy other charges that have not heen treated as advances, then to advances 20. Obilgation of Borrowers. Even if there is more than one of us, I am
accruing finance char at preferred rates, then to all other advances,and finally to individuauy responsible for all promises made in this Agreement. You mayrequim
unbilled but accrued ancecharges. me to pay all amounts due without asking another person to pay. I will pay all
(e) Set off. In the event of default, you may to the extent permitted by law, amounts due even if you and another person agree to revise this Agreement or
setoff all or any portion of the amount due under the Agreement against any it releasethe Collateral.
accounts that I maintain with you by giving me any notice reqmred by a
[aw. This provialon does not apply if you have issued meany card which can use 21. Tax Deductibility. I should consult a tax advisor regarding the deductibilit.y of
to accessaty account. interestand charges imposedon myAccount.

11. Per]ðdic Statement. I will receive a billing statement which will give me 22. Notices. You will send all notices to me at the address next to mysignamre. A
infbnnation about myAccount. If the Account hafance shown on mystatementis a notice sent to one of us will be considered notice to all of us. I will notify yon
credit balance and I send you a written request, or if you are required to do so by pmmptly if I change my mailing address.Except for notices related to billing ormra
law,. you will remed that amount to mepromptly. (see "My Billing Rights"), I will sendall notices and requeststo you at:

12. Property Insurance. I agree to name you as mortgagee on an insurance policy BANK, A BANKOFAMERICA
FLEETNATIONAL COMPANY
on the Property. The policy must be satisfactory to ycu.
tlus' If you so require, I will CONSUMBR LOANOPERATIONS
maimain flood insmance on the Property. So long as Agreement is in eitct, I
will maintain these policies. I mayobtain thesepolicies from anyone I choose who COLLATERAL DEPAlt.TMENT
is acceptableto you- 315 COURT STREET
13. Re-evaluation At your cost, you may re-evaluate mycreditworthiness and the P.O. BOX3092
value of.the Paperty from time to time. Subject to applicab1slaw, you can obtain UŠŠCANY
credit information about meand exchange It, and intbanation about the Account,
with affiliates, subsidiaries and others you deem appropriate. You may also ask me or to such addressyou provide for notices.
to give you a new credit application and any other information that you fee] you
need, and I will promptly gavek to you. 232 Change in Terms. Except as otherwise provided in this Agreement, you will
not change any terms of this Agreement without my written consent unless the
14.Suspensions and Reductions of Credit Lhnit. You can suspend my right to change is insignificant or would beneBL me for the remaining term of the
obtain advances or reduce my credit limit during any period in which any of the Agreement, If you change any term of this Agreement, to the extent required by
following is in effect: law you will give me prior written notice of the change. Unless otherwise required
(a) the value of the Property declines significandy below its appraisedvalue fbr by law, any change in terms will apply to all amounts on the Account then
purposes of this Agreement; outstanding and thereafter incurred.
(b) due to a material change In my financial circumstances, you reasonably
believe I will not be able to Eneetthe above payment requirements; 24, Assigmnent. I may not assign this Agreement or my rin,ts and obligations
(c) I amin default of amaterial oD]igation under this Agreement, For example, I under it. At any time you may assign this Agreement ami the hortgage to another
would be in default if I: (1) hil to make payment when due on any other loan person.
secured by the Property from you or another credime; (2) fail to comply with the
terras of the Mortgage; or (3) All (o provide a cunent financial statementor any 25. Appilcable Law. If I reside in ME, NJ, PA or RI, this Agreement Is
financial information you reasonably request at any time; govemed,by ederal law and the law of the state where the Bank is principally
(d government action prevents you from imposing the annual percemage rate located, Rhode Island except as to matters directly related to the Bank's tten and its
provided for,. or impairs your security interest such that the value of the Property is ability to enforce its ]len on the real property securing this Agreement where the law
less than 120percent of the credit line; of the statewhere the property is located govems, If I reside in CT, FL, MA, NH
(e) a regulatory agency hasnotified you that continued advanceswould constimte or NY, this Agreement is governed by the law of the statewhere I reside except as
an unsafe and unsound practice; to matters directly related to the Bank's lien and its ability to enlbrce its lien on the
(0 1he maximumannual percentagerate is reached; or real property securing this Agreement where the )aw of the statewhere the property
(g) One of the events listed in Section 15 below occurs which would permit you is located governs.
to terminate myAccount.
To the extent that federal ]aw preempts state ]aw, this Agreement is goveracd by
15. Teraduation. You may terminate myAccount at any time if: federal law, If any provision of this Agreement conflicts with any existing or future
(a) Loommit fraud or make a matenal misrepresentationin connection with the law, it shall be deemed modified to the extent necessary to comply with such law,
Account; and the validity of the remaining terms of this Agreement shall not be affected.
(b) except if the Account is secured by a junior mortgage on Connecticut
oroperty, I fail to meet die payment terms of the Agreement for any outstanding 26. Documentation, I agree to execute or re-excoum any document, including a
balance. If the Account is secured by a junior mortgage on Connecticut property, I revised version of this Agreement, that you request in order to correct any error or
will be in default if I hil to make a payment within sixty days after the due date; omission in the or]ginal Agreement, security instrument, or other loan documents.
however, myhihtre to pay whendue will allow you to suspendmyright to borrow;

4'DNT[NUED ONNEXTPAGIF

98317ARev.OW2004 Page2 of 3 Bank Copy
. . .. . . ... . .. . .. ..__.____.____
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

Addendumto the HomeEquity Line of Credit Agreement

This Addendumamends my HomeEquity Line of Credit Agreement (the "Agreement") governing my
Equity Credit Line Account ("my Account"). I have received a copy of the Agreement and this

Addendum.

The paragraph of subsection c of section 6 of the Agreement entitled "Annual Percentage Rate and
third

Finance Charges" is amended by adding the following to the end of the paragraph:

My margin will remain the same as indicated above for the first three billing cycles of my
Account. If, at the end of the third billing cycle during my draw period my Account
principal balance is equal to or greater than $25,000, the margin used to calculate the

interest rate on my Account will remain the same as indicated above for the life of my
Account. If at the end of the third billing cycle during my draw period, my Account
principal balance is less than $25,000, the margin used to calculate the interest rate on my
Account will by one quarter of one percent (1/4 of 1%) for the remainder of the
increase

term of my Account. This change will be reflected on my Account billing statement

starting with the fourth billing cycle in the draw period and will be reflected on all

subsequent billing statements.

Except as otherwise specifically provided in this Addendumthe Agreement will remain unchanged, and I

will be bound by, and comply with, all of the terms and provisions of the Agreement.

By signing below, I state that I have received a completed copy of the Agreement together with this

Addendum. I agree to the provisions on all pages of the Agreement and the Addendumand I have caused
this Addendumto be duly executed and delivered as an instrument under seal as of the
23RD day of maRou, 200s

GLIYAuU GREGO

Bank Representative

eddSOS Rev.09/2004
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

AIlonge to Mortgage Note

Loan Number:

Allonge to one certain Mortgage Note Dated: 03/23/2005

Executed By: GLlYAHUGREGO

Original Amount: $150,000.00

Property Address: 2210 E 4WST. KINGS BROOKLYN,NY 11223

Pay to the Order of:

Without Recourse:

BANKOFAMERICA,NATIONALASSOCIATION, SUCCESSOR
BY MERGER
TO FLEETNATIONALBANK, A BANKOFAMERICACOMPANY

By:

Name: Raul L. Perez

Title: Assistant Vice President
FILED: KINGS COUNTY CLERK 07/02/2024 04:38 PM INDEX NO. 518106/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/02/2024

00þN OdBAMR18f0F R4501908S IMRIAÈM812

Account Number: BorrowerName:GUYANU
GREGO PropertyAddress; 2210E4 IH SI. BROOKLYN.NY,11223-4823
Account rpe:CONVENTIONAlRESWimiotR PM Account Status:Active Restrictad: N/A Legal Status:Forecksur

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July 02, 2024

Case Filing Date

July 02, 2024

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Exhibit,Appendix: Bank Of America, N.A., Successor By Merger To Fleet National Bank v. Gliyahu Grego A/K/A ELIYAHU GREGO A/K/A ELI YAHU GREGO, Rina Grego, Nyc Department Of Finance, Banco Popular North America, John Doe # 1-10, Jane Doe # 1-10

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