Case Name: BEGONIA CORPORATION, a Florida Corporation, and Philip Schwab, Appellants, v. NAM FINANCIAL CORPORATION, Appellee
Court: Florida District Court of Appeal
Jurisdiction: Florida
Decision Date: 1998-02-04
Citations: 710 So. 2d 577
Docket Number: No. 97-0132
Parties: BEGONIA CORPORATION, a Florida Corporation, and Philip Schwab, Appellants, v. NAM FINANCIAL CORPORATION, Appellee.
Judges: GLICKSTEIN, DELL and POLEN, JJ., concur.
Reporter: Southern Reporter, Second Series
Volume: 710
Pages: 577–577

Head Matter:
BEGONIA CORPORATION, a Florida Corporation, and Philip Schwab, Appellants, v. NAM FINANCIAL CORPORATION, Appellee.
No. 97-0132.
District Court of Appeal of Florida, Fourth District.
Feb. 4, 1998.
Rehearing and Clarification Denied March 30, 1998.
Charles C. Chillingworth and Jeanne 0. Conway of Chillingworth & Conway, P.A., West Palm Beach, for appellant.
William L. Rogers of Barrett & Rogers, and David M. Goldstein of David M. Gold-stein, P.A., Miami, for appellee.

Opinion:
PER CURIAM.
We affirm the final judgment of foreclosure except for the inclusion of the $138,031.45 prepayment penalty, which we reverse and remand. The general rule is that, unless otherwise specifically provided for in the note, the lender cannot upon the lender's acceleration also collect the prepayment penalty. Florida Nat'l Bank of Miami v. Bankatlantic, 589 So.2d 255, 258 (Fla.1991). The court in Florida National created a limited exception to the general rule applicable under special circumstances including an intentional default by the borrower. Id. at 259. Here, neither the pleadings nor proof establish the applicability of the exception.
GLICKSTEIN, DELL and POLEN, JJ., concur.