HomeMy WebLinkAboutApplication & Supporting Docs• •
HEARING BOARDS
444 SW 2nd Avenue, 7tt, Floor • Miami, Florida 33130
Telephone 305-416-2030 Fax 335-416-2035
PUB C HEARING PP ICAT ON FOR A
PEC A XC PT
Welcome to HearingBoards! This application is intended to serve as a guide in acquainting
you with our public hearing process. By any means, please feel free to contact us at the number
above, should you have any questions.
CITY OF MIAMI ORDINANCE NO, 11469, CODIFIED IN CHAPTER 2, ARTICLE OF THE CITY
CODE STATES THAT ANY PERSON WHO RECEIVES COMPENSATION, REMUNERATION OR
EXPENSES FOR CONDUCTING LOBBYING ACTIViTlES TO REGISTER AS A LOBBYIST WITH
THE CITY CLERK, PRIOR TO ENGAGING IN LOBBYING ACTIVITIES BEFORE CITY STAFF,
BOARDS, COMMITTEES TEES AND THE CITY COMMISSION. A COPY OF SAID ORDINANCE 3S
AVAILABLE IN THE OFFICE OF THE CITY CLERK (MIAMi CITY HALL), LOCATED AT 3500
PAN AMERICAN DRIVE, MIAMI, FLORIDA, 33133. Copies of lobbyist documentation with
proof of payment must be submitted with the complete application.
The deadline to file the complete application with supporting documents is the first five working
days (1-51 of each month from 8:00 am until 3:00 pm. The responses to this application must
be typed and signed in black Ink. Please note that pursuant to Section 1304.2.2 of the Miami
Zoning Ordinance, no application shall be deemed to have been filed unless and until the
applications shall have been completed. AU pertinent and accurate informationldocumentation;
i.e., the plans, reports, exhibits, shall be presented at the tune of filing, in addition to the paid
receipt. The applicant is responsible for the accuracy of the information contained in the
application and all supporting materials, if you like, you could bring the materials to our office for
staff review before the deadline to ensure the application is complete, Upon submittal, this
application must be accompanied with a signed Zoning Referral.
You will be responsible, if needed, to bring an interpreter for the English language to any
presentation before city boards, committees and the city commission. A valid power of attorney
will be required if neither applicant or legal counsel representing the applicant execute the
application or desire to make a presentation before city boards, committees and the city
commission,
An addit€onai fee to record Zoning Board resolutions will be charged and it is determined
contingent upon fees charged at the time of recordation. Go to the Miami -Dade County Recorder's
Office at 22 NW First Street, First Floor, and ask for a certified copy. Please have the original
recorded document mailed to the address above and bring the certified copy to our office. Copies
of City Commission resolutions can be obtained at our website through the "Legislative Hub", or for
certified copies, contact the City Clerk's Office at 3 5-250-5360,
Applications given to customers do not constitute action from the City of Miami without
plans review and written comments from Zoning.
Rev. 01 06-0
• •
Within the City generally, or within certain zoning districts, certain structures, uses, and/or
occupancies specified, are of a nature requiring special and intensive review to determine
whether or not they should be permitted in specific locations, and if so, the special limitations,
conditions, and safeguards, which should be applied as reasonably necessary to promote the
general purposes of the Zoning Ordinance and, in particular, to protect adjoining properties and
the neighborhood from avoidable potentially adverse effects. It is further intended that the
expertise and judgment of the Miami Zoning Board be exercised in making such determinations,
in accordance with the rules, considerations and limitations relating to Special Exceptions (see
Article 16 of the Zoning Ordinance).
Formal public notice and hearing is mandatory for Special Exceptions. The Zoning Board shall
be solely responsible for determinations on applications for Special Exceptions, except when
otherwise provided for in the City Code. All applications shall be referred to the Director of the
Planning Department for his/her recommendation(s) and the Director shall make any further
referrals required by these regulations.
ANA MURILLO, ON BEHALF OF CHRIS KWANGWARI
hereby apply to the Miami Zoning Board for approval of a Special Exception for the property
located at 2220 NE 2ND AVE - 186 NE 23 ST - 180 NE 23 ST - MIAMI FLORIDA 33137
folio number 01-3125-800-00QQ / 91-3125-9411?0200 / 01-3125-011-0210
1. The pro.
0
ion listed does not have any open code enforcement/lien violations.
2. One (1) original survey prepared by a State of Florida registered land surveyor within six (6)
months from the date of application.
3. One (1) original 24x36" plan, signed and sealed by a State of Florida registered architect or
engineer showing property boundaries and proposed structure(s), parking, landscaping, etc.;
budding elevations and dimensions and computations of lot area and building spacing.
4. Plan needs to be stamped by Hearing Boards first and then signed by a) Public Works on the 8th
Floor, b) Zoning on the 4th Floor and c) Planning on the 3m Floor, prior to submittal. Note:
Plans are to be submitted to Zoning for review by appointment only starting from the 8th through
the 30th of each month. Zoning will not be accepting plans on the first seven days of the month.
5. After obtaining signatures from the above departments, two (2) 11x 1T and one (1) 8 % x 11"
copies of the original plan, including the survey.
6. At least two photographs that show the entire property (land and improvements).
7. A clear and legible copy of the recorded warranty deed and tax forms of the most current year
that shows the present owner(s) and legal description of the property.
8. A dear and legible copy of the subject property address and legal description on a separate
sheet of paper, labeled as "Exhibit A".
9. Affidavit and disclosure of ownership of the subject property (see pages 4 and 5).
10. Certified list of owners of real estate within 500 feet of the subject property (see pages 6 and 7).
11. What is the acreage of the project/property site? .68 ACRES
Red_ 01-06-06 2
12. What is the purpose of this application/nature of proposed use? Use car retail in a
non conforming zoning classification district,
13. Is the property within the boundaries of a historic site, historic district or archeological zone?
Please contact the Planning Department on the 3rd Floor for information.
14. Is the property within the boundaries of an Environmental Preservation District? Please contact
the Planning Department on the 3rd Floor for information.
15. For corporations and partnerships, the following documents are to be submitted:
a) Articles of Incorporation
b) Certificate from Tallahassee less than one (1) year old showing good standing
c) Corporate Resolution or a Power of Attorney signed by the secretary of the Corporation
authorizing the person who signed the application to do so
d) For non-profit organizations only: A list of Board of Directors less than one (1) year old
16. Cost of processing according to Section 62-156 of the Miami City Code:
Special Exception $ 800.00
Special Exception requiring automatic City Commission review $ 2,000.00
Extension of time for Special Exception $ 500.00
Public hearing and public meeting mail notice fees,
including cost of handling and mailing per notice $ 3.50
Surcharge equal to applicable fee from item above, not to exceed eight hundred
dollars ($800.00) except from agencies of the city; such surcharge to be refunded to
the applicant if there is no appeal from the applicant or a property owner within five
hundred (500) feet of the subject property.
Signature
Name
Telephone (305)866--7719
E-mail Address
STATE OF FLORIDA
COUNTY OF MIAMI-DADE
Address
Date
650 North Shore Drive
Miami Beach, FL 33141
09--07-06
acrossdesign@bellsouth.net
20�The oregoing w s pknowle d b ore me this 0 l - day of Pr
, by to tD.. �u� a
who is a(n) individual/partner/agent/corporation of a(n)
indiv, duI/partnership/corporation. He/She is personally known t" me or who has produced
as identification and who did (did not) take a oa
4,,42' ,finer Rodriguez
(Stamp) Any f ommi$S;on D0222266
14,
Rev. 01-06-06
xpkres June 12. 200?
3
Signs
July 6, 2006
Miami -Dade County
HEARING BOARDS
444 SW 2nd Avenue 71h Floor
Miami, Florida 33130
Ph: (305) 416-2030
Fx: (305) 416-2035
Public Hearing application for a Special Exception
EXHIBIT A
RE: 2220 NE 2" Ave - Folio # 01-3125-000-0080
186 NE 23St - Folio # 01-3125-011-0200
180 NE 23St - Folio # 01-3125-011-0210
Miami, Fl 33137
ACROSSDES}GN@BELLSOUTH.NET
:lCl . SC-.F..'7'71
650 NORTH HOE2E OR.
MIAMI REACH. fiL 3n t 4
Legal description:
Commence at the northeast corner, lot 1 "RIDGEVIEW', according to the plat thereof, as recorded in plat book 4,
page 175 of the public records of Miami -Dade County, Florida thence run N89 54"W 55"W for 10.00 feet to the
point of beginning. Thence continue N89 54' 55"W, along the north line of said plat "RIDGEWIEW" for 355.44
feet; thence run due north for 40.00 feet; thence run S89 54' 55"E for 355.44 feet; thence run due south for 40.00
feet to the point of beginning, AND:
Lot 4&5 Block 2 "EDGEWATER", according to the plat thereof, as recorded in plat book 1 page 176 of public
records of Miami -.Dade County, Florida.
All lying with the City of Miami. Miami -Dade County, Florida.
If additional material or explanation is necessary in order to satisfy the requirements of the board these will be
provided at your request. Please feel free to contact us at the number listed above.
Sincerely
Across Design, Inc
• •
AFFIDAVIT
Before me, the undersigned, this day personally appeared
ON BEHALF - CHRIS .x.wa c, e who being by me first deposes and says:
That he/she is the owner, or the legal representative of the owner, submitting the
accompanying application for a public hearing as required by the Code of the City of
Miami, Florida, affecting the real property located in the City of Miami; as described and
listed on the foregoing pages of this affidavit and made a part thereof,
2. That all owners which he/she represents, if any, have given his/her full and complete
periission for him/her to act in hlsiher behalf for the change or modification of a
classification or regulation of zoning as set out in the foregoing petition, 0 including or
0 not including responses to day to day staff inquires.
3, That the foregoing pages are made a part of this affidavit contain the current names,
mailing addresses, telephone numbers and legal descriptions for the real property of
which he/she is the owner or legal representative,
4. The facts as represented in the application and documents subrnetted in conjunction
with this affidavit are true and correct.
Further Affiant sayeth not.
:ILI `t A "4t %ILLO
Applicant Name
STATE OF FLORIDA
COUNTY OF MIAMI-DARE
2i T , for oing was acknowledged before me this
y. u
who is a(n) individual/partner/agent/corporation of
a(n) individual/partnership/corporation. He/She is personally known to me o ho
has produced as identification and who did did not) take an o
Sa
Rev 01-06-
€�, iiANONQ
MY COMMISSION # OD 547956
EXPIRES; May 3, 2010
Bonded Tbn Notary Rut* Underwriters
4
day
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• •
DISCLOSURE OF OWNERSHIP
1. List the owner(s) of the subject property and percentage of ownerships Note: The
Miami City Code requires disclosure of all parties having a financial interest, either
direct or indirect, with respect to a presentation, request or petition. Accordingly,
disclosure of shareholders of corporations, beneficiaries of trusts, and/or any other
interested parties, together with their address(es) and proportionate interest are
required. Please supply additional lists, if applicable.
Owner's Name(es) CHRIS KWANGWARI 100%
Subject Property Address(es) 2220 NE 2N) AVE / 186 NE 23 ST / 180 NE 23 ST
MIAMI=, FLORIDA 33137
Telephone Number (3°5) 778-°935
E-mail Address
2. Street address(es) and legal description(s) of any property:
a) Owned by any party listed in answer to question #1; and
b) Located within 500 feet of the subject property.
Please supply additional lists, if applicable.
Street Address Legal Description
A
CxIS KWANGWARI
Owner or Attorney Name
ey Signature
STATE OF FLORIDA
COUNTY OF MIAMI-DADE
The foregoing was acknowledged before me this T day of ,„))
20, by
who is a(n) individual/partner/agent/corporation of
a(n) individual/partnership/corporation, He/She is personally known to me who
has produced as identification and who (id /lot) take an
�: P R. E{ANONNO
*�4 :. MY COMMISSION # BD 547956
(Stariip1 ;' ;q'= EXPIRES: May 3, 2010
Borded Thru Notary Punic Underwriters
i
Rev. 01-06-06
5
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Property Appraisers Parcel I.D. (Folio) Number - 01-3125-000-0080
WARRANTY DEED
THIS WARRANTY DEED made the day of March, 1997, by Pole. Swiser, as
a majority of the last Board of Directors and as a majority of the remaining
Trustees of Swiser,Enterprises, Inc., a dissolved Florida corporation, whose
mailing address is% 310 North Almont Drive, Beverly Hills, California 90211,
hereinafter called the "Grantor", to Christopher Kwangwari, a married man,
whose mailing address is 13821 SW 112th Avenue, Miami, Florida 33176,
hereinafter called the "Grantee".
IIIINEARTA
That the Grantor, for and in consideration of the sum of $10.00 and
other valuable considerations, receipt whereof is hereby acknowledged, hereby
grants, bargains, sells, aliens, remises, releases, conveys and confirms unto
the Grantee, the following land situate in Dade County, Florida:
See Exhibit "A" attached hereto and made a part hereof.
Subject to:
(1)
(2)
(3)
Taxes and assessments for 1997 and subsequent years.
Covenants, restrictions and easements of record, if any, however,
the foregoing shall not be deemed to reimpose same.
Purchase Money Mortgage of even date herewith from Grantee.
Together with all the tenements, hereditaments and appurtenances thereto
belonging or in anywise appertaining.
To have and to hold the same in fee simple forever.
And the Grantor hereby covenants with said Grantee that the Grantor is
lawfully seized of said land in fee simple; that the Grantor has good rights
and lawful authority to sell and convey said land; that the Grantor hereby
fully warrants the title to said land and will defend the same against the
lawful claims of all persons whomsoever; and that said land is free of all
encusribrances .
IN WITNESS WHEREOF, the said Grantor has signed and sealed these
presents the day and year first above written.
Signed, sealed and delivered
in our presences
WITNESSES:
Printed Name:
Printed Naive:
STATE OF CALIFORNIA
say
COUNTY OF LOS ANGELES
Pt51a Swiser, as a
majority of the last
Board of Directors and
as a majority of the
remaining Trustees of
Swiser Enterprises, Inc.,
a dissolved Florida
corporation
The foregoing instrument was acknowledged before me this, day of
March, 1997, by Pola Swiser, as a majority of the last Board of Directors and
as a majority of the remaining Trustees of Swiser Enterprises, Inc., a
dissolved Florida corporation, on behalf of the said corporation_ Pola Swiser
is personally known to me or rya
on and did take an oath.
My Commission Expires:
c:Xwp51\t'raark\swiser4_wde
Printed Name:
Notary Public, State of
California_
This instrument was prepared
Mark L. Rivlin, P.A.
1550 Madruga Avenue
Suite 120
Coral Gables, FL 33146
CAROLE S. F€2ANCES
Commission 49 064958
]'F�tory Public — California
Y LOS ANGELES COUNTY
r v Comm. Er: ;4z +s Jui 13,1999
o
Property Appraisers Parcel Y.D. (Folio) Number - 01-3125-011-0200 (Lot 4)
01-3125-011-0210 (Lot 5)
WARRANTY DEED
THIS WARRANTY DEED made the 2-e‘ J' day of March, 1998, by Ethy C. Swiser
Konakl f/k/a Ethy C. Swiser, a married woman, whose mailing address is 307
North Almont Drive, Beverly Hills, California 90211, hereinafter called the
"'Grantor", to Christopher Kwangwari, a married man, whose mailing address is
13821 SW 112th Avenue, Miami, Florida 33176, hereinafter called the
'Grantee".
W ITNESETH
That the Grantor, for and in consideration of the sum of $10.00 and
other valuable considerations, receipt whereof is hereby acknowledged, hereby
grants, bargains, sells, aliens, remises, releases, conveys and confirms unto
the Grantee, the following land situate in Dade County, Florida:
Lots 4 and 5, Block 2 of WEST EDGEWATER SUBDIVISION, according to
the Plat thereof, as recorded in Plat Book 1, at Page 176 of the
Public Records of Dade County, Florida.
Subject to:
(1)
(2)
(3)
Taxes and assessments for 1998 and subsequent years.
Covenants, restrictions and easements of record, if any, however,
the foregoing shall not be deemed to reimpose same.
Purchase Money Mortgage of even date herewith from Grantee.
Together with all the tenements, hereditaments and appurtenances thereto
belonging or in anywise appertaining.
To have and to hold the same in fee simple forever.
And the Grantor hereby covenants with said Grantee that the Grantor is
lawfully seized of said land in fee simple; that the Grantor has good rights
and lawful authority to sell and convey said land; that the Grantor hereby
fully warrants the title to said land and will defend the same against the
lawful claims of all persons whomsoever; and that said land is free of all
encumbrances.
The subject property is vacant land. The subject property does not now,
nor has it ever constituted the homestead of, nor is it.contiguous to the
homestead of Grantor. During the entire period of ownership of the subject
property, Grantor's homestead has been in Beverly Hills, California.
IN WITNESS WHEREOF, the said Grantor has signed and sealed these
presents the day and year first above written.
Signed, sealed and delivered
in our presence:
L
WITNESSES:
. iS ,Cl6
Pry nted Name:
Printed Name:
ski
thy C. Swiser
ess: 307 N. Almont Dr.
verly Hills, CA 90211
STATE OF CALIFORNIA
COUNTY OF LOS ANGELES
The foregoing instrument was acknowledged before me this AJ?J day of i f i,
Ethy C. Swiser Konaki f/k/a Ethy C. Swiser who is personally known to me -or
did--produc s as identi£ipation and did take an oath.
My Commission Expires: 77_._ ---cf• r�
c:\wpS1\mark\swiser5.wde
Printed Name: d: S, „4.l3lL• G35
Notary Pubiic,'State of
California
This instrument was prepared by:
Mark L. Riviin, Esq.
Mark L. Riviin, P.A.
1550 Madruga Avenue
Suite 120
Corat Gabtes, FL 33146
r
[Notary sal
CAROLE 5. FPANCES
commtasion #10649513
Notary Pubic — California
LOS ANGELS COUNTY
My Comm. Ex 't s 3tii 13,1999
PROMISSORY NOTE
$28,000.00
Miami, Florida
March 3, 1998
FOR VALUE RECEIVED, the undersigned (the "Borrower" or
"Payor") promises to pay to the order of Pola Swiser, a single
woman, and Ethy C. Swiser Konski, a married woman (collectively,
the "Payee" or "Holder"), as joint tenants with rights of
survivorship, at 307 North Aimont Drive, Beverly Hills, California
90211, or at such other place as the Holder hereof ;may from time to
time designate in writing, the principal sum of TWENTY-EIGHT
THOUSAND AND 00/100 ($28,000.00) DOLLARS, together with interest
thereon on the principal amount from time to time outstanding at a
fixed rate of ten (10.0%) percent per annum from the date hereof
through and including March 31, 2002 (the "Maturity Date"). Monthly
installments of principal and interest in the amount of $309.46
shall be payable on the 1st day of each month in arrears commencing
on April 1, 1998 and on the same day of each and every month
thereafter through and including the Maturity Date. These monthly
installments have been calculated based upon a 169-month
amortization period. On the Maturity Date, the outstanding
principal balance and all accrued and unpaid interest hereunder
shall be due and payable in full, without notice or demand. All
computations of interest on a day-to-day basis shall be made by
Holder on the basis of a 365-day year for the actual number of days
elapsed in the period for which such interest is payable (i.e.,
interest for each day on which any principal is outstanding shall
be calculated at the annual interest rate divided by 365).
This Note may be prepaid in whole or in part at any time prior to
the maturity of this Note, without penalty. Each prepayment of
principal shall be applied against the payments last due hereunder
and no such prepayments shall reduce the monthly installments
thereafter payable hereunder.
If Holder has not received the full amount of any monthly or
other payment by the end of fifteen calendar days after the date it
is due, Borrower will pay a late charge to Holder. The amount of
the charge will be five (5. 0%) percent of my overdue monthly or
other payment. In the event that any payment is returned on account
of insufficient or uncollected funds, Borrower shall additionally
be liable for a return check charge of five (5%) percent of the
amount of the check. In the event that any sums payable pursuant
to the terms of this Note are not paid on the due date hereof, or
within 20 days thereafter (provided however, there will be no grace
period with respect to the payment due on the Maturity Date) , or if
a default occurs under the Mortgage (as hereinafter defined)
securing this Note which is not cured before the expiration of any
applicable grace or cure period, if any, then or at any time
thereafter during the continuance of the default, at the option of
Holder, the whole of the principal sum then remaining unpaid
hereunder, together with all interest accrued thereon and all other
sums owing hereunder and under the Mortgage, shall immediately
become due and payable, and Holder shall be entitled to pursue any
and all rights and remedies provided by applicable law andfor under
the terms of this Note or the Mortgage, all of which shall be
cumulative and may be exercised successively or concurrently.
Interest shall accrue on the outstanding principal sum
hereunder commencing on the date of expiration of any applicable
grace or cure period hereunder or under the Mortgage, if any,
regardless of whether or not the Holder accelerated the payment of
principal hereunder, at an annual interest rate (the "Default
Rate") equal to the highest applicable lawful rate. The failure to
exercise any and all rights or remedies which Holder may be
entitled to, in the event of any such default, shall not constitute
a waiver of the right to exercise such rights or remedies in the
event of any subsequent default, whether of the same or different
nature. No waiver of any right or remedy by Holder shall be
effective unless made in writing and signed by Holder, nor shall
any waiver on one occasion apply to any future occasion.
It is the intention of the parties to conform strictly to the
usury and other laws relating to interest from time to time in
force. In no event shall any agreed or actual exaction collected,
charged, reserved or taken as an advance or forbearance by Holder
as consideration for the debt evidenced hereby exceed the limits
imposed or provided by the law applicable from time to time to this
Note for the use or detention of money or for forbearance in
seeking its collection, and Holder hereby waives any right to
demand such excess. In the event that the interest provisions of
this Note or any exactions provided for in this Note or in the
Mortgage shall result at any time or for any reason in an effective
rate of interest that transcends the maximum interest rate
permitted by applicable law, then without further agreement or
notice, the obligation to be fulfilled shall be automatically
reduced to such limit and all sums received by Holder in excess of
those lawfully collectible as interest shall be applied against the
principal hereunder immediately upon Holder's receipt thereof, with
the same force and effect as though the Borrower had specifically
designated such extra sums to be so applied to principal and Holder
had agreed to accept such extra payment(s) as a premium -free
prepayment or prepayments. During any time that this Note bears
interest at the maximum lawful rate (whether by application of this
paragraph, the default provisions of this Note or otherwise),
interest shall be computed on the basis of the actual number of
days elapsed and the actual number of days in the respective
calendar year.
Borrower hereby: (a) waives presentment, protest, notice of
dishonor, suit against or joinder of any other person, and all
other requirements necessary to charge or hold Borrower liable with
respect to the debt evidenced hereby; (b) submits to the
jurisdiction of the state and federal courts in the State of
Florida for purposes of any such action or proceeding; (c) agrees
that the venue of any such action or proceeding may be laid in Dade
county, Florida and waives any claim that the same is an
inconvenient forum. No provision of this Note shall limit Holder's
right to serve legal process in any manner permitted by law or to
bring a.ny such action or proceeding in any other competent
jurisdiction.
Borrower agrees to pay all costs incurred by Holder in
collecting or attempting to collect this Note including reasonable
attorney's fees and court costs through all appellate levels.
2
This Note shall be governed by, construed and enforced in
accordance with the laws of the State Florida.
Any provision(s) of this Note which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction
only, be ineffective only to the extent of such prohibition or
unenforceability without invalidating the remaining provisions
hereof or affecting the validity or enforceability of such
provision in any other jurisdiction.
The term "Holder" shall be deemed to include any subsequent
holder(s) of this Note.
Time shall be of the essence with respect to the terms of this
Note. This Note cannot be changed or modified orally. Except as
otherwise required by the provisions of this Note, any notice
required to be given to Borrower shall be deemed sufficient if made
personally or if mailed, certified mail, return receipt requested,
to Borrower's address as it appears in this Note or in the
Mortgage.
All of the terms of this Note shall inure to the benefit of
Holder and its successors and assigns and shall be binding upon
Borrower and its successors and assigns.
It is expressly agreed that all covenants, conditions and
agreements contained in the Mortgage are hereby incorporated herein
by reference and a default thereunder is a default under this Note.
This Note is secured by a Purchase Money Mortgage (the
"Mortgage") encumbering certain real property (the "Property") in
Dade County, Florida, as more particularly described in the
Mortgage. The Mortgage is being recorded simultaneously herewith
in the public records of Dade County, Florida.
BORROWER AND HOLDER HEREBY KNOWINGLY, VOLUNTARILY AND
INTENTIONALLY WAIVE THE RIGHT EACH MAY HAVE TO A TRIAL BY JURY WITH
RESPECT TO ANY LITIGATION BASED UPON THIS NOTE, OR ARISING OUT OF,
UNDER, OR IN CONNECTION WITH, THIS NOTE, OR ANY OTHER LOAN DOCUMENT
EXECUTED BY THE BORROWER IN CONNECTION HEREWITH. OR ANY COURSE OF
CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER ORAL OR WRITTEN) OR
ACTIONS OF ANY PARTY HERETO. THIS PROVISION IS A MATERIAL
INDUCEMENT FOR THE HOLDER TO MAKE AND DISBURSE THE LOAN EVIDENCED
HEREBY TO BORROWER.
IN WITNESS WHEREOF, Borrower has executed this instrument on
the date first above written.
Kwangwa.ri
DOCUMENTARY STAMPS IN THE AMOUNT OF $98.00 HAVE BEEN PAID UPON AND
AFFIXED TO THE MORTGAGE SECURING THIS PROMISSORY NOTE.
ec\wp51\mark\ewieer5.prm
3