Document:

Mortgage Note between Ybor City Group, Inc. and Jacob M. Buchman

 Exhibit 10.18 
 This instrument prepared by: 
 Bernard F. Lechner, Esq. 
 P. O. Box 5147 
 Clearwater, FL 33758 
 THIS IS A BALLOON MORTGAGE AND THE FINAL PRINCIPAL PAYMENT OR THE PRINCIPAL BALANCE DUE UPON
MATURITY IS $ 1,500,000.00, TOGETHER WITH ACCRUED INTEREST, IF ANY, AND ALL ADVANCEMENTS MADE BY THE MORTGAGEE UNDER THE TERMS OF THIS MORTGAGE 
 MORTGAGE 
 This Mortgage is executed this 30th day of September, 2005, by YBOR CITY GROUP, INC., a Florida
corporation, with address of 3821 Henderson Blvd., Tampa, FL 33629, hereinafter called the “Mortgagor”, to JACOB M. BUCHMAN, as Trustee under an unrecorded Land Trust Agreement dated as of October 12,1993, with address of P. 0. Box
5147, Clearwater, FL 33753, hereinafter called the “Mortgagee”. 
 Witnesseth, that for good and valuable
considerations, and also in consideration of the aggregate sum named in the Mortgage Note of even date herewith, hereinafter described, the Mortgagor hereby grants, bargains, sells, aliens, remises, coveys and confirms unto the Mortgagee all the
certain land of which the Mortgagor is now seized and in possession situate in Hillsborough County, Florida, viz: 
 LEGAL
DESCRIPTION AS MORE PARTICULARLY SET FORTH ON THE ATTACHED EXHIBIT “A” WHICH IS INCORPORATED HEREIN BY THIS REFERENCE 
 TO HAVE AND TO HOLD the same, together with the tenements, hereditaments and appurtenances thereto belonging, and the rents, issues and profits thereof, unto the Mortgagee, in fee simple. 

 AND the Mortgagor covenants with the Mortgagee that the Mortgagor is indefeasibly seized of
said land in fee simple; that the Mortgagor good right and lawful authority to convey said land as aforesaid; that the Mortgagor will make such further assurances to perfect the fee simple title to said land in the Mortgagee as may reasonably be
required; that the Mortgagor 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 and clear of all encumbrances excepting property taxes for 2005.

 PROVIDED ALWAYS, that if said Mortgagor shall pay unto said Mortgagee the certain Mortgage Note, a copy of which is appended
to the end of this Mortgage, and shall perform, comply with and abide by each and every the agreements, stipulations, conditions and covenants thereof, and of this Mortgage, then this Mortgage and the estate hereby created, shad cease, determine and
be null and void. 
 AND the Mortgagor hereby further covenants and agrees to pay promptly when due the principal and interest
and other sums of money provided for in said Mortgage Note and this Mortgage, or either; to pay all and singular the taxes, assessments, levies, liabilities, obligations, and encumbrances of every nature an said property; to permit, commit or suffer
no waste, impairment or deterioration of said land or the improvements thereon at any time, to keep the buildings now or hereafter on said land fully insured in a sum and in a company acceptable to Mortgagee, and in, the event any sum of money
becomes payable by virtue of such insurance the Mortgagee shall, have the right to receive and apply the same to the indebtedness hereby secured, accounting to the Mortgagor for any surplus; to pay all costs, charges, and expenses, including
attorneys’ fees and title searches, reasonably incurred or paid by the Mortgagee because of the failure of the Mortgagor to promptly and fully comply with the agreements, stipulations, 

 conditions and covenants set forth in said Mortgage Note and this Mortgage, or either;
to perform, comply with and abide by each and every the agreements, stipulations, conditions and covenants set forth in said Mortgage Note and this Mortgage or either. In the event the Mortgagor fails to pay when due any tax, assessment, insurance
premium or other sum of money payable by virtue of any superior liens, and said Mortgage Note and this Mortgage, or either, the Mortgage, may pay the same, without waiving or affecting the option to foreclose or any other right hereunder, and all
such payments shall bear interest from date hereof at the highest lawful rate then allowed by the laws of the State of Florida. 
 IF any sum of money herein referred to be not promptly paid within fifteen (15) days next after the same becomes due, or if each and every the agreements, stipulations, conditions and covenants of said Mortgage Note and this Mortgage,
or either, are not fully performed, complied with and abided by, then the entire sum mentioned in said Mortgage Note, and this Mortgage, or the entire balance unpaid thereon, shall forthwith or thereafter, at the option of the Mortgagee, become and
be due and payable, anything in said Mortgage Note or herein to the contrary notwithstanding. Failure by the Mortgagee to exercise any of the right, or options herein provided shall not constitute a waiver of any rights or options under said
Mortgage Note or this Mortgage accrued or thereafter accruing. 
 The Mortgagor acknowledges that the Mortgagee would not have
accepted this Mortgage without this “Due on Sale’” provision, and this provision is a material part of the consideration for the granting of this Mortgage. The entire remaining unpaid principal balance, plus accrued interest, may, at
the complete discretion of the Mortgagee, be accelerated and due and payable upon the happening of any of the following, notwithstanding the otherwise expressed due date reflected in the Mortgage Note or this Mortgage: 
 transfer, sale or disposition of any portion of the property secured by this Mortgage; 

 granting by Mortgagor of a contract for deed, agreement for deed, option to purchase, or
lease for a period longer than, two years; 
 attachment on, levy against, or seizure of any portion of the property secure by
this Mortgage, whether voluntarily or involuntarily, which becomes superior to this Mortgage or places the priority of this Mortgage in question. 
 IN WITNESS WHEREOF, the said Mortgagor has hereunto signed and sealed these presents the day and year first above written. 
 THIS IS A BALLOON MORTGAGE AND THE FINAL PRINCIPAL PAYMENT OR THE PRINCIPAL BALANCE DUE UPON MATURITY IS $ 1,500,000.00, TOGETHER WITH ACCRUED INTEREST, IF ANY, AND ALL ADVANCEMENTS MADE BY THE MORTGAGEE
UNDER THE TERMS OF THIS MORTGAGE 
 Signed, sealed and delivered 
 in the presence of 
  

							
		 		 	Ybor City Group, Inc.
		 		 	a Florida corporation
				
	 /s/ Vanessa T. Wiscombe
	 		 	By:	 	 /s/ Sam Reiber

	Vanessa T. Wiscombe	 		 		 	
	typed/ printed name of witness	 		 		 	
				
	 /s/ Melissa Woods
	 		 		 	
	Melissa Woods	 		 		 	

 typed/ printed name of witness 

 THIS IS A BALLOON MORTGAGE NOTE AND THE FINAL PRINCIPAL 
 PAYMENT OR THE PRINCIPAL BALANCE DUE UPON MATURITY IS $ 1,500,000.00, 
 TOGETHER WITH ACCRUED INTEREST, IF ANY, AND ALL ADVANCEMENTS 
 MADE BY THE PAYEE UNDER THE TERMS OF THIS MORTGAGE NOTE 
 MORTGAGE NOTE 
  

			
	$1,500,000.00	  	September 30, 2005
		  	Tampa, FL

 For value
received, the undersigned, YBOR CITY GROUP, INC., a Florida corporation, promises to pay to the order of JACOB M, BUCHMAN, AS TRUSTEE, the principal sum of One Million Five Hundred Thousand and no/100 Dollars ($ 1,500,000.00), with interest thereon
at the rate specified as follows: 
 Interest only in the amount of$ 8,750.00 payable on November 30,
2005 and on the of each month thereafter through October 30, 2006; interest only in an amount equal to one-twelfth of the unpaid principal balance times an annual interest rate of Bank of America prime leading rate plus 2%, subject to a floor
of 7% and ceiling of 15%, payable on the 30th of each
month beginning November 30, 2007, with interest rate adjustments based upon Bank of America prime (ending rates on each anniversary date of this Mortgage Note; and the entire remaining principal balance ($ 1,500,000,00), plus accrued interest,
SHALL BE DUE AND PAYABLE IN ONE BALLOON PAYMENT ON OCTOBER 1, 2015. 
 Both principal and interest are payable in lawful money of the United
States of America at: 
 Jacob M. Buchman, Trustee 
 P. O. Box 5147 
 Clearwater, FL 33758 
 or at such place as designated by the Payee. 
 This Mortgage Note is to be construed and enforced according to the laws of the State of Florida, and is secured by a Mortgage on, real estate of even date herewith. 
 The parties have negotiated the amount of the principal sum due and the interest rate based upon the Mutual agreement that this Mortgage
Note shall be paid out over the expressed ten year terra as provided above, and. therefore, this Mortgage Note may not be prepaid, However, in the event that it is determined that the Payee must accent prepayment at any time. then the Makers shall
pay to the Payee a prepayment charge, not considered to be additional interest but a, separate and distinct charge for the making of the Mortgage Note on the terms expressed herein, equal to: i) 30% of any amount of principal prepayment during the
first five years from the date of this Mortgage Note; ii) 24% of any amount of principal. 

 Prepayment during the sixth year from the date of this Mortgage Note; iii) 18% of any amount of principal
prepayment during the seventh year from the date of this Mortgage Note; iv) 12% of any principal prepayment during the eighth year from the date of this Mortgage Note; v) 6% of any principal prepayment during the ninth year from the date of this
Mortgage Note; with no prepayment charge for principal payments made after the tenth anniversary of this Mortgage Note. Notwithstanding any provision herein or in any instrument now or hereafter securing this Mortgage Note, the total liability for
payments in the nature of interest shall not exceed the limits imposed by the usury laws applicable hereto from time to time. However, in no event shall those limits become less than the limits presently- authorized. Any amounts paid in excess
thereof shall be refunded to the Maker, together with interest thereon as required by law. 
 If default be made in the payment
of any said sums or interest or in the performance of any agreements contained herein or in the said Mortgage, and if such default is not made good within, thirty (30) days, then, at the option of the holder of the same, the principal sum then
remaining unpaid with accrued interest shall immediately become due and collectible without notice, time being of the essence of this contract, and said principal sum and accrued interest shall both bear interest at the rrta.3dmum rate per annum
allowed by law from such time until paid. 
 The holder may collect a late charge not to exceed an amount
equal to five percent (5%) of any installment which is not paid when due to cover the extra expense involved in handling delinquent payments. Collection of said late charge shall not be deemed a waiver- by the bolder of any of his other rights under this Mortgage Note or the Mortgage securing same.

 Each maker and endorser waives presentment, protest, notice of protest, and notice of dishonor, and agrees to pay all costs,
including a reasonable attorneys fee, whether suit be brought or not, if counsel shall, after maturity of this Mortgage Note or default hereunder or under said Mortgage, be employed to collect this Mortgage Note or to protect the security thereof.

 Documentary Tax has been paid and evidence thereof affixed to the Mortgage. 
 THIS IS A BALLOON MORTGAGE NOTE AND THE FINAL PRINCIPAL PAYMENT 
 OR THE PRINCIPAL BALANCE DUE UPON MATURITY IS 
 $ 1,500,000.00, TOGETHER WITH
ACCRUED INTEREST, IF ANY, 
 AND ALL ADVANCEMENTS MADE BY THE PAYEE UNDER THE TERMS OF 
 THIS MORTGAGE NOTE 
  

			
	Ybor City Group, Inc.
		
	By	 	 /s/ Sam Reiber

 LEGAL DESCRIPTION OF YBOR PROPERTY KNOWN AS BUCHMAN SQUARE 
 Mortgage from Ybor City Group, Inc, to Jacob M. Buchman, Trustee 
 The East 9.90 feet of Lot 8 and all of Lots 8 1 12 and 9, Block 90, CHAMBERLAIN’S SUBDIVISION, as recorded in Plat Book 2, page 20; and
Lot 1 and the East 17 50 feet of Lot 2 of Block 90 of PLAN OF ADDITION TO YBOR CITY, as recorded in the public records of Hillsborough County, Florida, all as being further described as follows: Begin at the Southeast corner of Lot 9, Block 90 of
Chamberlain’s Subdivision as recorded in Plat Book 2, page 20 and run N 89 51’40”W., 67.00 feet; thence North 200.40 feet to a point on the North line of Block 90 of Plan of Addition to Ybor City; thence South 89 51’40” E-,
67.00 feet to the Northeast corner of Block 90; thence South 200.40 feet to the Point of Beginning. 
 tax parcel or folio
number, 197487.0000 
 Exhibit “A” 

 STATE OP FLORIDA 
 COUNTY OF HILLSBOROUGH 
 The foregoing instrument was
acknowledged before me this 30th day of September, 2005,
by Sam Reiber, as President of Ybor City Group, Inc., who is either: a) personally known to me, or b) who produced his valid Florida Drivers’ licenses as identification, and who did not take an oath, but acknowledged the execution of This
Mortgage as the act and deed of the corporate mortgagor. 
  

	
	 /s/ Kathleen K. Bostick

	Notary Public
	
	 Kathleen K. Bostick

	Printed/typed name of NotaryNote and Mortgage Modification Agreement betweenYbor City Group, Inc.

 Exhibit 10.19 
 This instrument prepared by 
 and return to: 
 Sam I. Reiber, Esq. 
 2109 East Palm Ave.

 Suite 202 
 Tampa, Florida 33605

 NOTE AND MORTGAGE MODIFICATION AGREEMENT 
 THIS AGREEMENT, made and entered into on February 16, 2007 between Jacob M. Buchman, as Trustee, hereinafter called “Mortgagee”, and Ybor City Group, Inc., 22nd Street of Ybor City, Inc.,
and ABM of Tampa Bay, Inc., hereinafter called “Mortgagors.” 
 RECITALS 
 A. Mortgagee is owner and holder of a certain Promissory Note dated September 30, 2005 made by Ybor City Group, Inc. to Mortgagee,
secured by a Mortgage dated September 30, 2005, recorded in O.R. Book 15796 Page 0801, of the Public Records of Hillsborough County, Florida, which Mortgage, is now a lien upon the property described on Exhibit “A” attached hereto, and on
which Promissory Note in the principal sum of $1,500,000.00. 
 B. The parties hereby desire to modify the terms of aforesaid
Mortgage and Note and to add two additional properties to secure said Promissory Note. 
 For the reasons set forth above, and
in consideration of the mutual covenants and promises of the parties, Mortgagee and Mortgagors covenant and agree as follows: 
 1. All of the above recitals are true and correct in every respect and are incorporated herein and made a part hereof. 
 2. The foregoing Note and Mortgage shall be modified as follows: 
  

	 	(a)	The interest rate as reflected in the Promissory Note, is changed to the Bank of America prime lending rate plus 2.25% subject to a floor of 7% and ceiling of 15%.

 3. The Mortgage is amended to add the following described Property as additional collateral for the payment of
the Promissory Note: 
 See legal attached hereto and made a part hereof. 

 4. Mortgagors hereby affirm, warrant and represent that: 
  

	 	(a)	All of the warranties and representations made in the Note and Mortgage and any other agreements, documents or instruments executed with respect thereto, directly or
indirectly, are true and correct as of the date hereof; 

  

	 	(b)	Such Note and Mortgage and such other agreements, documents or instruments are in full force and effect as of the date hereof, and are enforceable according to their
terms; 

 5. Mortgagors and their successors and assigns, indemnify and agree to defend and hold Mortgagee
harmless against Florida documentary stamp and intangible taxes, if any, imposed upon Mortgagee by virtue of their execution and acceptance of this document, including any penalties, interest and attorneys’ fees incurred by Mortgagee in
connection therewith, and all such charges shall be secured by the lien of the Mortgage as amended and bear interest at the default rate provided in the said Note from the date of advance by Mortgagee until paid by Mortgagors. The provisions of this
paragraph shall survive the repayment of the Note and the indebtedness evidenced thereby, and satisfaction of the Mortgage, and shall continue for so long as a claim may be asserted by the State of Florida or any of its agencies. 
 6. Mortgagors and Mortgagee agree that when the terms and provisions contained in the foregoing Note and Mortgage in any way conflict with
the terms and conditions contained in this Agreement, the terms and provisions herein contained shall prevail; and, as modified by this Agreement, the foregoing Note and Mortgage are hereby ratified, confirmed and approved in all of the terms and
conditions thereof and each shall remain in full force and effect. 
 7. This Agreement may not be changed or terminated except
in a writing signed by all parties. The covenants contained in this Agreement shall run with the land and bind Mortgagor, their successors and assigns, and all subsequent owners, tenants and subtenants of the properties, and shall inure to the
benefit of Mortgagee, their successors and assigns, and all subsequent holders of the Mortgage. 
 FLORIDA DOCUMENTARY TAX IN THE AMOUNT
REQUIRED BY LAW HAS PREVIOUSLY BEEN PAID WITH RESPECT TO ALL PORTIONS OF THE PRINCIPAL BALANCE OF THE MORTGAGE, AND PROPER STAMPS HAVE PREVIOUSLY BEEN AFFIXED TO THE MORTGAGE. THIS AGREEMENT IS A MODIFICATION OF EXISTING INDEBTEDNESS AND DOES NOT
REPRESENT ANY NEW CONSIDERATION UPON WHICH DOCUMENTARY TAX IS PAYABLE. 
 IN WITNESS WHEREOF, the parties have executed this
Agreement in day and year first above written. 
  

							
	WITNESSES:	 		 	“MORTGAGOR”
		 		 	Ybor City Group, Inc.
				
	/s/ Clifford M. Gross	 		 	By:	 	 /s/ Sam Reiber

	(Signature)	 		 		 	Its President
	Clifford M. Gross	 		 		 	
	(Printed Name)	 		 		 	
			
		 		 	Date: February 16, 2007
	/s/ Deanne Collins	 		 	
	(Signature)	 		 		 	
	Deanne Collins	 		 		 	
	(Printed Name)	 		 		 	

							
	WITNESSES:	 		 	“MORTGAGOR”
		 		 	22nd Street of Ybor City, Inc.
				
	/s/ Clifford M. Gross	 		 	By:	 	 /s/ Sam Reiber

	(Signature)	 		 		 	Its President
	Clifford M. Gross	 		 		 	
	(Printed Name)	 		 		 	
			
		 		 	Date: February 16, 2007
			
	/s/ Deanne Collins	 		 	
	(Signature)	 		 		 	
	Deanne Collins	 		 		 	
	(Printed Name)	 		 		 	
			
	WITNESSES:	 		 	“MORTGAGOR”
		 		 	ABM of Tampa Bay, Inc
				
	/s/ Clifford M. Gross	 		 	By:	 	 /s/ Sam Reiber

	(Signature)	 		 		 	Its President
	Clifford M. Gross	 		 		 	
	(Printed Name)	 		 		 	
			
		 		 	Date: February 16, 2007
			
	/s/ Deanne Collins	 		 	
	(Signature)	 		 		 	
	Deanne Collins	 		 		 	
	(Printed Name)	 		 		 	
			
	WITNESSES:	 		 	“MORTGAGEE”
				
	/s/ Clifford M. Gross	 		 	By:	 	 /s/ Jacob M. Buchman

	(Signature)	 		 		 	Jacob M. Buchman, as Trustee
	Clifford M. Gross	 		 		 	
	(Printed Name)	 		 	Date: February 16, 2007
			
	/s/ Deanne Collins	 		 	
	(Signature)	 		 		 	
	Deanne Collins	 		 		 	
	(Printed Name)	 		 		 	

 STATE OF FLORIDA 
 COUNTY OF HILLSBOROUGH 
 I HEREBY CERTIFY, that on this 16
th day of February , 2007, before me, the undersigned
authority, personally appeared Sam Reiber, as President of Ybor City Group, Inc., 22nd Street of Ybor City, Inc., and ABM of Tampa Bay, Inc., who is personally known to me or who has produced a valid drivers license, as identification, and who acknowledged executing the foregoing instrument
for the purposes therein expressed on behalf of said                     . 
 WITNESS my and official seal the date aforesaid. 
  

	
	/s/ Julie Cunningham
	Print Name: Julie Cunningham
	NOTARY PUBLIC
	My Commission Expires: February 20, 2010

 STATE OF
FLORIDA 
 COUNTY OF HILLSBOROUGH 
 I HEREBY CERTIFY, that on this 16th day of February, 2007, before me, the undersigned authority, personally appeared Jacob M. Buchman, as Trustee under an unrecorded Land Trust Agreement date as of October 12, 1993, who is personally
known to me or who has produced a valid drivers license, as identification, and who acknowledged executing the foregoing instrument for the purposes therein expressed on behalf of said
                    . 
 WITNESS my and official seal the date aforesaid. 
  

	
	/s/ Julie Cunningham
	Print Name: Julie Cunningham
	NOTARY PUBLIC
	My Commission Expires: February 20, 2010

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