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USA PATRIOT Act Customer Identification Program Notice SouthState Bank, N.A.
USA PATRIOT Act Customer Identification Program Notice
Important Information You Need to Know About Opening A New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.
Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you:
Your name Date of birth Address Identification number US Citizen: taxpayer identification number (Social Security Number) Non-US Citizen: taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you.
You may also need to show your driver's license or other identifying documents.
If Your Identity Cannot Be Verified We may not be able to open an account for you.
We thank you for your patience and hope that you will support the financial industry's efforts to deny terrorists and money launderers access to America's financial system.
CD Truth in Savings SouthState Bank, N.A.
Certificate of Deposit Truth in Savings
FIXED RATE INFORMATION The interest rate on your account is 0.10% with an annual percentage yield (APY) of 0.10%. You will be paid this rate until maturity.
COMPOUNDING AND CREDITING Interest will be compounded annually and will be credited to your account annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest.
BALANCE COMPUTATION METHOD We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ACCRUAL ON NONCASH DEPOSITS Interest begins to accrue on the business day you deposit noncash items (for example, checks).
TRANSACTION LIMITATIONS You may not make deposits or withdrawals from your account. At maturity, your deposit will be paid to you by check.
MATURITY DATE Your account will mature on 04/20/2025.
EARLY WITHDRAWAL PROVISIONS Withdrawals made prior to maturity may be assessed a penalty of 90 days’ interest. If the CD closes before interest is credited to the CD, the customer will not receive the interest, which may result in a loss of principal due to penalty.
RENEWAL POLICIES Your account will not automatically renew at maturity. At maturity, your deposit will be paid to you by check. Interest will not accrue after maturity.
PRIVACY NOTICE
FACTS
WHAT DOES SOUTHSTATE DO WITH YOUR PERSONAL
INFORMATION?
Why? Financial companies choose how they share your personal information. Federal lawgives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product orservice you have with us. This information can include:
Social Security number and income; Account balances and transaction history; Employment information and credit history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run theireveryday business. In the section below, we list the reasons financial companies
can share their customers’ personal information; the reasons SouthState chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does SouthState share?
Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
YES NO
For our marketing purposes— to offer our products and services to you YES^ NO
For joint marketing with other financial companies YES NO
For our affiliates’ everyday business purposes— information about your transactions and experiences YES^ NO
For our affiliates’ everyday business purposes— information about your creditworthiness NO^
WE DON'T SHARE
For our affiliates to market to you NO WE DON'TSHARE
For nonaffiliates to market to you NO WE DON'TSHARE
Questions? Call toll-free at 1-800-277-2175 or visitwww.southstatebank.com
Page 2
Who we are
Who is providing this notice?
The SouthState Corporation group of companies are financial services companies that include a bank ( SouthState Bank, National Association) and its subsidiaries and a captive insurance company (SSB Insurance Corp.).
What we do
How does SouthState protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does SouthState collect my personal information?
We collect your personal information, for example, when you
open an account or deposit money pay your bills or apply for a loan use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates’ everyday business purposes—information about your creditworthiness; Affiliates from using your information to market to you; Sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include a bank ( SouthState Bank, National Association), a factoring company (Corporate Billing, LLC), a registered investment advisor (SouthState Advisory, Inc.) and a registered broker-dealer (SouthState|Duncan-Williams Securities Corp.)
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
SouthState does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners may include other financial service companies.
Other important information
In addition to federal law, you may be protected by specific state or local regulations concerning information sharing and marketing. SouthState will comply with these regulations, as applicable.
For California Residents please refer to our California Consumer Privacy Notice posted on our website for information on your rights under the California Consumer Privacy Act.
Borrower: Ernesto Silva 104 W Sixth St Converse, TX 78109
Lender: SouthState Bank, N.A.
Disclosure Statement
DISCLOSURE STATEMENT
Principal Loan Date Maturity Loan No. Account
$3,076.00 04/20/2023 04/20/2025 ******8159 ******
References in the boxes above are for Lender’s use only and do not limit the applicability of this document to any particular loan or item.
ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate.
FINANCE CHARGE The dollar amount the credit will cost me.
Amount Financed The amount of credit provided to me or on my behalf.
Total of Payments The amount I will have paid after I have made all payments as scheduled.
15.88% $533.00 $3,067.00 $3,600.
PAYMENT SCHEDULE. My payment schedule will be 24 monthly payments of $150.00 each, beginning May 20, 2023. SECURITY. I am giving security interest in CD Account Number ******4626 with Lender with an approximate balance of $3,076.00. In addition, Lender has also reserved a contractual right of setoff in my deposit accounts. PREPAYMENT. If I pay off early, I will not have to pay a penalty.
REQUIRED DEPOSIT. The Annual Percentage Rate does not take into account my required deposit.
LATE CHARGE. If a payment is 15 days or more late, you will be charged 5.00% of the payment.
I will look at my contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds.
I read and was given a completed copy of this Disclosure Statement on 04/20/2023, prior to signing the note.
Borrower:
X Ernesto Silva Ernesto Silva
Itemization of Amount Financed of $3,067. Amount paid directly to your Certificate of Deposit: $3,067. Deposited to Certificate of Deposit Number: ******
Administrative Fee: Prepaid Finance Charge: $9. Note Principal: $3,076. Total amount paid to your Certificate of Deposit: $3,076.
Name Addresses:
Ernesto Silva 04/20/ Signature Date
Account Type Definitions SouthState Bank, N.A.
ES SINGLE-PARTY ACCOUNT WITHOUT “P.O.D.” (PAYABLE ON DEATH) DESIGNATION: The party to the account owns the account. On the death of the party, ownership of the account passes as a part of the party’s estate under the party’s will or by intestacy.
SINGLE-PARTY ACCOUNT WITH “P.O.D.” (PAYABLE ON DEATH) DESIGNATION: The party to the account owns the account. On the death of the party, ownership of the account passes to the P.O.D. beneficiaries of the account. The account is not a part of the party’s estate.
Enter the name or names of the P.O.D. beneficiaries and their addresses:
I acknowledge that I have read each paragraph of this Notice and affirm that I selected the account type next to which my initials are found.
Ernesto Silva 04/20/ Customer Signature & Date
CD Signature Card SouthState Bank, N.A.
CD SIGNATURE CARD
Account Owner Name & Address Ernesto Silva 104 W Sixth St Converse, TX 78109
Account Open Date Account Number Ownership Type Initial Deposit Term
04/20/2023 ******4626 Individual $3,076.00 24 Months The types of accounts provided by Florida law have been disclosed on the separate Single- Party or Multiple-Party Account Selection Form Notice (Selection Form Notice), on which the undersigned have initialed to designate the ownership type selected. The undersigned acknowledge(s) receipt of a copy of the completed Selection Form Notice. Other
Backup Withholding Certifications (If not a "U.S. Person", certify foreign status separately) By signing signature field (1) on this document, I certify under penalties of perjury that the statements made in this section are true and that I am a U.S. citizen or other U.S. person (as defined in the instructions). Taxpayer I.D. Number (TIN) - XXX-XX- The Taxpayer Identification Number (TIN) shown is my correct taxpayer identification number. Backup Withholding. I am not subject to backup withholding either because I have not been notified that I am subject to backup withholding as a result of failure to report all interest or dividends, or the Internal Revenue Service has notified me that I am no longer subject to backup withholding. Exempt Recipients. I am an exempt recipient under the Internal Revenue Service Regulations. Exempt payee code (if any) FATCA Code. The FATCA code entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. FATCA code (if any)
Signature(s). The undersigned certifies the accuracy of the information he/she has provided and acknowledges receipt of a completed copy of this form. The undersigned authorizes the financial institution to verify credit and employment history and/or have a credit reporting agency prepare a credit report on the undersigned, as individuals. The undersigned also acknowledges the receipt of a copy and agrees to the terms of the following agreement(s) and/ or disclosure(s):
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
Terms & Conditions Truth In Savings Privacy Certificate Receipt
Borrower: Ernesto Silva 104 W Sixth St Converse, TX 78109
Lender: SouthState Bank, N.A.
Negative Information Disclosure
NEGATIVE INFORMATION DISCLOSURE
Principal Loan Date Maturity Loan No. Account
$3,076.00 04/20/2023 04/20/2025 ******8159 ******
References in the boxes above are for Lender’s use only and do not limit the applicability of this document to any particular loan or item.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
I read and understood this Negative Information Disclosure on 04/20/2023.
Borrower:
X Ernesto Silva Ernesto Silva
(A) Payment Default (B) Break Other Promises (C) False Statements (D) Defective Collateralization (E) Death or Insolvency (F) Taking of the Collateral (G) Events Affecting Guarantor (H) Insecurity (I) Cure Provisions
10. RIGHTS AND REMEDIES ON DEFAULT (A) Accelerate Indebtedness (B) Application of Account Proceeds (C) Transfer Title (D) Other Rights and Remedies (E) Deficiency Judgment (F) Election of Remedies **(G) Cumulative Remedies
- MISCELLANEOUS PROVISIONS** (A) Amendments (B) Attorneys' Fees; Expenses (C) Caption Headings (D) Governing Law (E) Choice of Venue (F) No Waiver by Lender (G) Notices (H) Power of Attorney (I) Severability (J) Successors and Assigns (K) Survival of Promises **(L) Time is of the Essence
- DEFINITIONS.** The following words shall have the following meanings when used in this Agreement:
(A) Account. The word "Account" means the deposit account(s) described in the "Collateral Description" section. (B) Agreement. The word "Agreement" means this Assignment of Deposit Account, as this Assignment of Deposit Account may be amended or modified from time to time, together with all exhibits and schedules attached to this Assignment of Deposit Account from time to time. (C) Borrower. The word "Borrower" means Ernesto Silva and includes all co-signers and co-makers signing the Note and all their successors and assigns. (D) Collateral. The word "Collateral" means all of Grantor's right, title and interest in and to all the Collateral as described in the Collateral Description section of this Agreement. (E) Event of Default. The words "Event of Default" mean any of the events of default set forth in this Agreement in the default section of this Agreement. (F) Grantor. The word "Grantor" means Ernesto Silva. (G) Guaranty. The word "Guaranty" means the guaranty from guarantor, endorser, surety, or accommodation party to Lender, including without limitation a guaranty of all or part of the Note. (H) Indebtedness. The word "Indebtedness" means the indebtedness evidenced by the Note or Related Documents, including all principal and interest together with all
other indebtedness and costs and expenses for which Grantor is responsible under this Agreement or under any of the Related Documents. (I) Lender. The word "Lender" means SouthState Bank, N.A., its successors and assigns. The words "successors or assigns" mean any person or company that acquires any interest in the Note. (J) Note. The word "Note" means the note or credit agreement dated 04/20/2023, in the principal amount of $3,076.00 from Ernesto Silva to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of and substitutions for the note or credit agreement. (K) Property. The word "Property" means all of Grantor's right, title and interest in and to all the Property as described in the "Collateral Description" section of this Agreement. (L) Related Documents. The words "Related Documents" mean all promissory notes, credit agreements, loan agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other instruments, agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness.
THIS ASSIGNMENT OF DEPOSIT ACCOUNT dated 04/20/2023, is made and executed between Ernesto Silva ("Grantor") and SouthState Bank, N.A. ("Lender").
2. ASSIGNMENT. For valuable consideration, Grantor assigns and grants to Lender a security interest in the Collateral, including without limitation the deposit account(s) described below, to secure the Indebtedness and agrees that Lender shall have the rights stated in this Agreement with respect to the Collateral, in addition to all other rights which Lender may have by law. 3. COLLATERAL DESCRIPTION. The word "Collateral" means the following described deposit account(s) ("Account"): Certificate of Deposit Number ******4626 with Lender with an approximate balance of $3,076.00 with a maturity date of 04/20/2025. together with (A) all interest, whether now accrued or hereafter accruing; (B) all additional deposits hereafter made to the Account; (C) any and all proceeds from the Account; and (D) all renewals, replacements and substitutions for any of the foregoing. 4. RIGHT OF SETOFF. Subject to applicable law, Lender may exercise any right of setoff that is entitled to exercise under common law, under this agreement and under statute, or security interest to recover amounts Grantor owes Lender from any and all accounts Grantor maintains with Lender without notice to Grantor, except that this provision does not apply to any IRA Keogh plan, certain trust accounts (but excluding Totten Trust accounts), or health savings accounts. Lender may exercise its right of setoff for any liability or debt of any of Grantor, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys' fees, or other obligations. If the debt arises from a note, any debt includes the total amount of which Lenders is e entitled to demand payment under the terms of the note at the time Lender sets off, including any balance the due date for which Lender properly accelerated under the note. Grantor agrees to hold Lender harmless from any claim arising as a result of Lender's exercise of its right of setoff. 5. GRANTOR'S REPRESENTATIONS AND PROMISES WITH RESPECT TO THE COLLATERAL. Grantor represents and promises to Lender that:
(A) Ownership. Grantor is the lawful owner of the Collateral free and clear of all loans, liens, encumbrances, and claims except as disclosed to and accepted by Lender in writing.
Any such action by Lender shall not be construed as curing the default so as to bar Lender from any remedy that it otherwise would have had.
8. LIMITATIONS ON OBLIGATIONS OF LENDER. Lender shall use ordinary reasonable care in the physical preservation and custody of any certificate or passbook for the Collateral but shall have no other obligation to protect the Collateral or its value. In particular, but without limitation, Lender shall have no responsibility (A) for the collection or protection of any income on the Collateral; (B) for the preservation of rights against issuers of the Collateral or against third persons; (C) for ascertaining any maturities, conversions, exchanges, offers, tenders, or similar matters relating to the Collateral; nor (D) for informing the Grantor about any of the above, whether or not Lender has or is deemed to have knowledge of such matters. 9. DEFAULT. Grantor will be in default under this Agreement if any of the following happen:
(A) Payment Default. Grantor fails to make any payment when due under the Indebtedness. (B) Break Other Promises. Grantor breaks any promise made to Lender or fails to perform promptly at the time and strictly in the manner provided in this Agreement or in any agreement related to this Agreement. (C) False Statements. Any representation or statement made or furnished to Lender by Grantor or on Grantor's behalf under this Agreement or the Related Documents is false or misleading in any material respect, either now or at the time made or furnished. (D) Defective Collateralization. This Agreement or any of the Related Documents ceases to be in full force and effect (including failure of any Related Documents to create a valid and perfected security interest or lien) at any time and for any reason. (E) Death of Insolvency. Grantor dies, becomes insolvent, or files a petition in bankruptcy or similar proceedings, or is adjudged a bankrupt. (F) Taking of the Collateral. Any creditor or governmental agency tries to take any of the Collateral or any other of Grantor's collateral in which Lender has a lien. This includes taking of, garnishing of or levying on Grantor's accounts with Lender. However, if Grantor disputes in good faith whether the claim on which the taking of the Collateral is based is valid or reasonable, and if Grantor gives Lender written notice of the claim and furnishes Lender with monies or a surety bond satisfactory to Lender to satisfy the claim, then this default provision will not apply. (G) Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the Indebtedness or guarantor, endorser, surety, or accommodation party dies or becomes incompetent or revokes or disputes the validity of, or liability under, any Guaranty of the Indebtedness. (H) Insecurity. Lender in good faith believes itself insecure. (I) Cure Provisions. If any default, other than a default in payment, is curable and if Grantor has not been given a notice of a breach of the same provision of this Agreement within the preceding twelve (12) months, it may be cured if Grantor, after Lender sends written notice to Grantor demanding cure of such default: (1) cures the default within thirty (30) days; or (2) if the cure requires more than thirty (30) days, immediately initiates steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical.
10. RIGHTS AND REMEDIES ON DEFAULT. Upon the occurrence of an Event of Default, or at any time thereafter, Lender may exercise any one or more of the following rights and remedies, in addition to any rights or remedies that may be available at law, in equity, or otherwise:
(A) Accelerate Indebtedness. Lender may declare all Indebtedness of Grantor to Lender immediately due and payable, without notice of any kind to Grantor. (B) Application of Account Proceeds. Lender may take directly all funds in the Account and apply them to the Indebtedness. If the Account is subject to an early withdrawal penalty, that penalty shall be deducted from the Account before its application to the Indebtedness, whether the Account is with Lender or some other institution. Any excess funds remaining after application of the Account proceeds to the Indebtedness will be paid to Grantor as the interests of Grantor may appear. Grantor agrees, to the extent permitted by law, to pay any deficiency after application of the proceeds of the Account to the Indebtedness. Lender also shall have all the rights of a secured party under the Florida Uniform Commercial Code, even if the Account is not otherwise subject to such Code concerning security interests, and the parties to this Agreement agree that the provisions of the Code giving rights to a secured party shall nonetheless be a part of this Agreement. (C) Transfer Title. Lender may effect transfer of title upon sale of all or part of the Collateral. For this purpose, Grantor irrevocably appoints Lender as Grantor's attorney-in-fact to execute endorsements, assignments and instruments in the name of Grantor and each of them (if more than one) as shall be necessary or reasonable. (D) Other Rights and Remedies. Lender shall have and may exercise any or all of the rights and remedies of a secured creditor under the provisions of the Florida Uniform Commercial Code, at law, in equity, or otherwise. (E) Deficiency Judgment. If permitted by applicable law, Lender may obtain a judgment for any deficiency remaining in the Indebtedness due to Lender after application of all amounts received from the exercise of the rights provided in this section. (F) Election of Remedies. All of Lender's rights and remedies will be cumulative and may be exercised alone or together. An election by Lender to choose any one remedy will not bar Lender from using any other remedy. If Lender decides to spend money or to perform any of Grantor's obligations under this Agreement, after Grantor's failure to do so, that decision by Lender will not affect Lender's right to declare Grantor in default and to exercise Lender's remedies. (G) Cumulative Remedies. All of Lender's rights and remedies, whether evidenced by this Agreement or by any other writing, shall be cumulative and may be exercised one at a time or simultaneously. Election by Lender to pursue any remedy will not bar any other remedy, and an election to make expenditures or to take action to perform an obligation of Grantor under this Agreement, after Grantor's failure to perform, shall not affect Lender's right to declare a default and to exercise its remedies.
11. MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Agreement:
(A) Amendments. What is written in this Agreement and in the Related Documents is Grantor's entire agreement with Lender concerning the matters covered by this Agreement. To be effective, any change or amendment to this Agreement must be in writing and must be signed by whoever will be bound or obligated by the change or amendment. (B) Attorneys' Fees; Expenses. Grantor agrees to pay all of Lender's costs and expenses, including Lender's reasonable attorneys' fees and Lender's legal expenses, incurred in connection with the enforcement of this Agreement. Lender may hire or pay someone else to help enforce this Agreement or to collect the Indebtedness, and Grantor shall pay the costs and expenses of such enforcement. Costs and expenses include Lender's reasonable attorneys' fees and legal expenses whether or not there is a lawsuit, including reasonable attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Grantor also shall pay all court costs, in addition to all other sums provided by law. This Agreement also secures all of these amounts.
(K) Survival of Promises. All promises, agreements, and statements Grantor has made in this Agreement shall survive the execution and delivery of this Agreement, shall be continuing in nature and shall remain in full force and effect until such time as Grantor's Indebtedness is paid in full. (L) Time is of the Essence. Time is of the essence in the performance of this Agreement. This means that all deadlines for performance provided under this Agreement must be strictly complied with and that failure to do so will result in a default.
GRANTOR HAS READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS ASSIGNMENT OF DEPOSIT ACCOUNT AND AGREES TO ITS TERMS. THIS AGREEMENT IS DATED 04/20/
GRANTOR:
X Ernesto Silva Ernesto Silva
Borrower: Ernesto Silva 104 W Sixth St Converse, TX 78109
Lender: SouthState Bank, N.A.
Promissory Note
PROMISSORY NOTE
Principal Loan Date Maturity Loan No. Account
$3,076.00 04/20/2023 04/20/2025 ******8159 ****** References in the boxes above are for Lender’s use only and do not limit the applicability of this document to any particular loan or item.
Principal Amount: $3,076.00 Interest Rate: 15.584400% Date of Note: April 20, 2023
PROMISE TO PAY: I (“Borrower”) promise to pay to SouthState Bank, N.A. (“Lender”), or order, in lawful money of the United States of America, the principal amount of Three Thousand Seventy-Six & 00/100 Dollars ($3,076.00), together with interest on the unpaid principal balance from 04/20/2023, calculated as described in the “INTEREST CALCULATION METHOD” paragraph using an interest rate of 15.584400 a year, until paid in full, together with all applicable fees and expenses. The interest rate may change under the terms and conditions of the “INTEREST AFTER DEFAULT” section.
PAYMENT: I will pay this loan in 24 payments of $150.00 each payment. My first payment is due 05/20/2023, and all subsequent payments are due on the same day of each month after that. My final payment will be due on 04/20/2025, and will be for all principal, accrued interest, and all other applicable fees and expenses, if any, not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid interest; then to principal; then to any unpaid collection costs; and then to any late charges. I will pay Lender at Lender’s address shown above or at such other place as Lender may designate in writing.
INTEREST CALCULATION METHOD: Interest on this Note is computed on the scheduled installment earnings method, which computes the interest charge by applying a daily rate to the unpaid balance of the principal amount as if each payment will be made on its scheduled installment date.
PREPAYMENT: I may pay without penalty all or a portion of the amount owned earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal balance due and may result in my making fewer payments. I agree not to send Lender payments marked “paid in full”, “without recourse”, or similar language. If I send such a payment, Lender may accept it without losing any of Lender’s rights under this Note, and I will remain obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes “payment in full” of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: SouthState Bank, N.A., ATTN: Self Servicing Manager, P.O.Box 118068 N. Charleston, SC 29423.
LATE CHARGE: If a payment is 15 days or more late, I will be charged late fee of 5.00% of the payment. This late charge shall be paid to Lender by me for the purpose of defraying the expense incident to the handling of the delinquent payment.
