FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`FILED: ORANGE COUNTY CLERK 05m2019 03:59 P
`NYSC 3F DOC. NO. 26
`NYSCEF DOC. NO. 26
`
`IN
`
`EX NO.
`EF009672-2018
`INDEX NO. EF009672-2018
`
`
` *uIV‘
`
` 3F:
`.3 NYSC
`05/20/2019
`RECEIVED NYSCEF: 05/20/2019
`
`EXHIBIT
`
`
`C
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`ORANGE
`COUNTY
`CLERK
`09/20/2018
`12:44
`NYSCEF DOC. NO. 26
`[FI
`ED:
`PMJ
`NY S 1EF DO C . NO .
`
`1
`
`INDEX NO. EF009672-2018
`IND EX NO . EF O0 9 6 7 2 - 2 O18
`RECEIVED NYSCEF: 05/20/2019
`RECE I VED NY SCE F :
`0 9 / 2 0 / 2 O18
`
`ORANGECOUNTYCLERK'S
`OFFICERECORDINGPAGE
`TES PAGE tSPART OFTHE INSTRUMENT- DO NOT REMOVE
`TYP15LNSLACKINK1
`NAME(S)OFPARTY(S)TODOCUMENT
`
`SECTION
`DLOCK1LOT
`RECORDANDRETORNTO:
`(nmendaddren)
`
`TJHSISPAGE ONE0F THE RECORD2NG
`ATFACH TlH5 5HEETTO THE FIRFTPAGEOFEACH
`RECORhEDTH5TRUMENTONtY
`DONOTWRITE
`
`BELOW THISLINE
`
`ATtSFACT10N ASSIGNMENT OTHER
`
`INSTRUMENT TYPE: DEED-MORTCAGE
`PROPERTY
`LOCATION
`2089BLOOMING GROVE(TN)
`___4249 MONTGOMERY (TN)
`NOPACE$
`C$05$RD.
`2001 WA5HD4GTONVEu5(Vl4__..4201
`CERT.COPY ADD%X-kEF
`MAY5200K(VLG)
`2269CHESTER(TN)
`_42o3
`HONTGOMEAY{VtG) MAPE
`JC,3,
`z2ot
`CHisnx (vio)
`_3205
`wAuel
`(via)
`___2489CORMWAll
`(TN)
`_44s9 MOUNT ifOPE(TN)
`FAYMENTTW CHECXV
`2401
`COMfWAU,{VW)
`401
`OU54tu£WlG}
`CA5H
`2600OtAWFORD (TN)
`4600 N.EW20tGH (TN)
`CHA1tGE
`atooDEERPA1tK(TN)
`48oo NEW W1ND50t(TN)
`HOME
`89GOSHEN flN)
`-5os9
`Tauble
`TUXEDO(TN)
`901
`cosnat utG)
`__J001
`TUXEDOFA3K(YLG) CONSIDERATION$
`3003
`_s 2o0 WALUC LL(TN)
`ROREDA(VEG)
`TAXEXDf7
`3005
`5489 WARWICK(TN)
`QiESin(Vtd)
`TaxaNe
`noo GREENV1u.E(TN)
`Z5407
`nonpa tvw)
`MORTGAGEAMT
`34a9HAMPTONBilRGH (IN}
`_se3
`DATE
`otunwooDtAKE(V15)
`01
`MAMOOK(VLG)
`__,J¾5
`WARWKK(VLG)
`3669HIGHLANDS (TM)
`_56oo WAWAYANDA ffNJ
`3601
`filGfilAND FAuS(YlG)
`,,._$889 WOODBURY (TN)
`3859MINISINK(TN)
`550)
`HANUMAN(VlG)
`_380s
`uwx»Wtus tvLG)
`4089MONROE (TN)
`-cmE$
`4001
`McMtostysc)
`osco-MIDDLETOWN
`4003
`HAltNMAN(Vif4
`.._..1Im NEWBUAGH
`_._4005
`KlRYASIOEL(ViG)
`_....1300 PORT JFAV)$
`
`H RTGAGETAX TYPEt
`(A)COMMERCIAUFUE.1%
`(3)1022 FAN!LY
`__.
`__ (o unnot sto,000
`(E) EXDet
`(F) 3T0 6 UNR3
`0) NATAER30NMAUNioN
`0) NATTELCLUN/f oR 2
`lic CONDo
`
`9999 HOLD
`
`DONNAL BERSON
`amurageomrrnur
`
`RECElVED FROMr
`
`Â.
`
`REcoRDED/FILED
`6/96f2006/
`Q9r51:29
`Count y C1ark
`DONNA L. BENBON
`ORANGE COUNTY, NY
`FILE # 2008008i005
`MORT/BK 22170 PG 1406
`SENW CM04G48 KTM 4, 662. as
`BASIC 1,2se:50
`NTA 739. 50
`spEc r AL e. ee
`spECI RL ASST
`641.e5
`NECORDING FEEG 6F.00
`Recoipt
`it585476
`Joannec
`
`MNIElllHElililtim
`
`Page 18
`
`.....
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`2 5 o f
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`2 3 5
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`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`09/20/2018
`NYSCEF DOC. NO. 26
`L E D : ORANGE__COUNTY
`CLERK
`12:44
`[FI
`PM1
`NYSt ?EF DOC.
`1
`NO,
`
`INDEX NO. EF009672-2018
`EF009672
`INDEX
`NO.
`-2018
`RECEIVED NYSCEF: 05/20/2019
`RECEIVED
`NYSCEF :
`09/20/2018
`
`.
`
`a.,
`
`RetermTo:
`CitiMortgage,Inc
`Attn:DocumenEProcessing
`P.O.Box790021
`St.Levis,MO 43179•0021
`
`PrepredBy:
`CitMortgage,he.
`I¥$NafnsRoad
`Suite303W
`MDtb¼ CT 06450
`
`.
`
`pptesAbwaThishinefer Rowghsthtw]
`
`MORTGAGE3
`
`VORDSUSEDOFTENIN THESDOCUMENT
`(A)"SocerityInstrtament Thh4oottment,wMchb datedMay26.2006
`rogetherw!thallRt4erstothirdecomerg,wigbecdfedthe*Secutltytastrument'
`andCarlenM MaccMarole,fotat Tenants
`(0) 'Bonomr? Merk A MGWid.
`
`whoseaddressb 36itswthornsAva Newburgh,NY 12$50
`somettarwillbe cakd*Eorrowet•and.semat!messtmptyT er *me
`(C) *MERS"is MortgageEhdanic RegistrattanSyness,Inc..MERS5ss separawcorporaumthatis
`arks satelyasa iminee tw LeaderanaLeadetssuccessorsas amips, Munsas onpntzedand
`ednhg tmdet%elawscf Ddswme.aMEwas addresad tdephonsuumberef P.O.Box2026,Punt,
`MT48501-2418,Ed. (888]879-MERS.PORPURPOSESOF PE£0P3™G TIHS MDATOAGE,
`MERsistftBMORTOAGEE0FREc0RD.
`(D)*Lender?CldMortgage,Inc.
`wE be caUed"Leoder?14.nderB s corpotsdomcr associedmwMr.hexistsexter the bws of
`. Leafer'saddrnsis it¼0 TecheologyDrive, O'
`NewYeek
`Fanoa,MO 63NINz240
`
`Loh 3
`Unlf:
`Block 2
`Sec&o: 17
`....., ,w sregiersr¾ -Famde%tnen'roddeMacumFORMDLETRUMB(fYSTffMDt$
`
`TgmM$ 1
`
`INC.
`
`HIL12N-DALEABSTNACTERS,
`to scoremows avarms
`no. maxs47
`Got WEWNEWYaltic10g24
`[848)294.4t ta
`FAX(845)2644581
`
`Page 19
`
`2 6 of
`
`235
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`iED : ORANGE
`CÒUNTV
`09/2
`0 /2018
`NYSCEF DOC. NO. 26
`[F I)
`CLERK.
`12
`: 4 4
`PM}
`NYS E F DOC . NO .
`
`1
`
`INDEX NO. EF009672-2018
`IND EX NO . E F 0 0 9 6 7 2 - 2 0 18
`RECEIVED NYSCEF: 05/20/2019
`0 9 / 2 0 / 2 O18
`P ECE IVED
`NYS CE F :
`
`-
`(BPNete?Then3teslgredbyBorrowersaddatedMay26,200(r
`, wlu becalled
`the"Note TheNoteshowsthatI ownLeaderTwoHutsdredFIItySixhusand Fivemmdred
`Dollare(UA $256,500s00
`)
`pluslaterestad otheramountsthatmaybepaysMe.I ksvepromEsaltopaythisdebttaPergedgePaymes
`,
`andinpaythedeHin full by funr L 2016
`h propertythatIs describedbelowtothesectkmtitled"Descztpdostof fkeProperty*
`(F) *
`wnIbecaE tWPaperty
`G)"Lota WLosa" meansEbedebtevidenced theNote, n tranest,any
`chargesad
`..rthh
`chargesduenodertheNote,andall$spsdue
`3nshument.
`(H)"Sams5ecuredIts smountsdescribefbeknyinSc sectkmtliled'Borrower'aTransfertofeder of
`Rightrin thePropr(y"sam** will becalledthe"SumsSecured'"
`(I) "Riders AE IUdersattachedto thisSecurtryInstrumentEbatareageedby Beesco will becaKed
`"Rklers ThefoDowlogRWarsaretobes!gitedbyBorrower[chectbarasuppikshie)
`$econdHameRider
`CondomhtumPJder
`A‡mableRateRider
`P‡smedUnitDevelopmentRada
`1.4FardyRider
`BalloonRider
`B1weeidyPaymentIUder
`VA Rider
`Othr0) pecifyl
`Other(
`(1)"ApplicableLaw? An confrofungappacablefeder4 statead localsetutes,regwadons,ordtaances
`sad Administrativerulesandorsm (thathavethe dred of hw) u wen as all appkcablefinal
`non-appealable.Judich$opinnnswill beca!kd"ApphcableLaw
`(K) *CommunityAnoeiationDaes,Fees,ed AssessmentsAUdses,fees,assessmentsandother
`chargestht arehposed eq Borrower-or tha PEUptt y a cGDd0mfakfm5s5Dc$4d00,bOmeowacra
`assochtfoaorshDarorgauluGenwit1becaited"ConmmityAssoclatsonDues.,Fees,andAssemacetr
`"ElectronteFeds Trsmter mearswy unster of money.othercan
`(L) *‰ctronic.FendaTramfer
`bytheck,draft or abs0arpaperindamcet wNghistakintedthroughanelecrosetermhat (depenic
`tastrament,emnputer,ersmpet[ctapesoasto prdersetru4 or ashorfrealicandzUnstEntfoatodeb!t
`cr treditaftsecougSomecommonexampletof to ElectronicFundsTranferarepotatek4atetr4mtets
`(wherea tardsockasanassetcr debitcardis asedst a merchanQ.astotostedteDermath3oe(orATM)
`transar.tion,tramferstaichtedhytelefheme,wireaimfers,andan!omatedcleutnghousetrasrers.
`(M)"Escrowitems ‰se item GasaredescdbedInSec6on3witIbecanedTscrewteams
`(N) 'MiscattaneousProcccds?"MisetUaneousProceeds'meansanycompEasatkm,rmumar, awardof
`damages,sr promedrpaid%yany14101party(otherthanImuranccProceeds,asdettnedEa,armspaidunder
`thecaveragedescafbedIn Section10for: 0)damageA ordestmetlenof, theProperty;USccademnathoe
`er odicrtakingof aNccsaypartofthePropettyl(USronwyancein lleeef Condemnaannor saletoavoN
`Coolemuttomor Ov)inisreprucatatfomof, or emisdocaa to, Giavalueandforcasiktcoof the
`Property.A taktagof the Fropertyby maygovernsoçr.Islanthorityby troloentdomahis krmwnm
`•coahaman-
`"Nortgagelasmnce" meansksmm pronelag Leaderapind the
`(0) "Mertrage inzrance
`nonpymentof,ordefmdtco, fbeLoan.
`(P)'PeriodlePaymsvit brypdarly achedwedamentacefor 0)edadp•I=d taterestundertheNotr.
`and(10sayentountsawlersadion3will becaced*PerfodfePryment"
`(Q) "RESPA TESFA" means1beRealEstateSetdmerrProceduresAct (12U.S.C.sectkmESMet
`to ames&d
`seq.)and(faanptementingngulatico,RegulaticeX (N C.P.1LPa:13$¾),asthy alpt
`fronttitneto thne,er anyaddulonala successorIcgldsikmor togdationlf3atgovertstheBam8subject
`mantc.As r:sedto,thh SecuthyDistrument,"RFRA" refersto all regaheme=rssmarestr)etionstatare
`imposedInregudto a "federaltyrelatedmeetpgetoas'evenIf theLcandoesnoretestifyasa YedmIly
`retatedanortgagelosa"matr RB5PA.
`
`4AtWnsz©aç
`
`reeav t7
`
`Fem3033ffD1
`CMWehpgx3.2.0J9V2
`
`Page 20
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`2 7 o f
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`2 3 5
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`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`NYSCEF DOC. NO. 26
`IF I LE D:
`ORANGE
`COUNTY
`CLERK
`09/20/2018
`12:44
`PM|
`NY S E F DOC . NO .
`1
`
`INDEX NO. EF009672-2018
`I ND EX NO . E F 0 0 9 6 7 2 - 2 O1 8
`RECEIVED NYSCEF: 05/20/2019
`RE CE I VED NY S CE F :
`0 9 / 2 0 / 2 O1 8
`
`BORROWER'STRANSPERTOLENDEROFRIGiITSIN THEPROFERTY
`I mortgage,grsetandcoqveyGePippertyto MERS(tddy asmomsteefor LtWer andLeader's
`in intems)saditssucenssorsis hterur avWecsto thetermsof 1b11SectIrhyInstrum£ IMs
`meansdat. bysignhgGdsSeatricyInstranent,I an gMngLeader@osedghtsthattre statedh Eds
`$euxityhstrumentmdalsothosestgbesthatApplkabkLawgivestoleaderswhoboldmortgagesonreal
`property.3mmgMngLader theserigle topmtectLasderfrompossibhtossesthatedghtresulttf I res
`to;
`{A)Pay±IttheamounsthalI oweI-anderasshtedIn theNotelactsang.butnotEmuedto,allrenwals.
`extensionssodseedlacadonsof theNote
`(B)Pay,wkhhiemt. anyuncantsthKLeaderspendsader thh SecurityImammenttopistc¢tthevalve
`of thePropertyandLerder.sdghtsIn thePropetty:anxi
`
`(C)Ktepallof myotherproadsessadagreenosmittmderthisStasrity1strumentsadtheNote.
`1undwstandandagreethatMERSboldsoptrkgd 4tfeLeite tight gratedby ratIn 114$eputy
`imtrumcot,bar,tr accessarytotemptyv1thlaworcostan,MERS(arwomtxafor laider nodLeader's
`successorsandass5gm)hasthedght
`(A) toexercheanycr allof thoseclglth includiag.butcotlimitedto, thedghtIn foredeseme nit the
`Froperty;and
`(B)(a inkeanyacou requiredof Lerxhrinch ag, butcot thzdredto, releagngandcanceltagtMs
`securvyImaamese.
`DESCRIPTIONOPTHEPROPERTY
`I giveMERS(polelyasnomineeforLt.nderandIneer's successorsfa LattresÇd31d:bstheProperty
`descrthedin (A)thrtugh(G)belew:
`(A)ThePropertywkkhisfocatedat 104tavrd Drive
`Frame
`[Ct ToworVRkg),NewYork 12924624 tr.ipcwd.
`NewWindsor
`County,HbasthefoU0wtaglegal
`TMaPapertyh h Orange
`desalption:GeeLegalDescriptionAttadedHereto
`
`.1
`
`(B)AMbdidingsandotherimprovzocatsthatarelocatedemthePropatydacdbedh minectica(A)of
`thbsection;
`la etherpropedytt.nt3have•* armerat thePropenydescribed14wh-®n (A) oftids
`(C)Ali
`a.ttedxdroebePraperty?
`rignasareknoe as"emunenceand
`suitee.
`streetsar nod$Infront$ cr nextto,theProperty
`thatI tate bHhelandwhEthSeeh
`(D)All r
`described subsecdon(A)ofthhsection;
`
`ceuempesaAtsv2
`
`Paga 21
`
`2 8 o f
`
`2 3 5
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`09/20/2018
`12:44
`NYSCEF DOC. NO. 26
`ORANGE
`COUNTY
`CLZRK
`IFZLED:
`PM]
`
`INDEX NO. EF009672-2018
`
`RECEIVED NYSCEF: 05/20/2019
`RECEIVED
`KYSCEE:
`09/20/2018
`
`TllleNumber ffH 387O2
`
`Scfredufa A Desc~„";;on
`
`Pace
`
`ALL THAT CERTAIN LOT, PIECE GR PARCEL QF 4VJD lying and befng ln the
`'Scan of New Windsor, County of Orange snd State of New York, befng known
`and"
`!"n=!ed as Lot No.11 Section Ban rrrapof5ecffan Off C, Lscey Field
`Development, awned by Hulfson Valley Housing Corporation In the Town of New
`Windsor, New Yark, prep'ared by Charles R. Woadhull, P,E, and ls dated
`December 11, 1941, and mora particularly bounded end described ss follows:
`BEG! NNING at a point distant 70 degrees %' East 28 feet from a paint in the
`easterly fine of Lot No, 17 fs 204,0t
`feat distant from Section A);
`Narth 72 degrees 72" 01 East
`RUNNING THENCE fnorn fhe point ofb~«n«ng
`101,06 feet to the westelty side af Laurel Drfve;
`THENCE South 10 degrees N'35". East 41,04 feet fo a point;
`THENGE on a curve along the westedy side of Laura! Drive aforesafd In a
`general southerly' direction 97.94 feet to a point ln the westerfy gne of Laurel
`Drive;
`
`THENCE along the eaetedyllneaf
`Lot Na. t2 Norfh 34degrees
`107.Zingfeet ta fhe point or Pfsce of BE0! NNfhtC.
`
`13'35" West
`
`Page 22
`
`29
`
`of
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`235
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`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`FILED:
`ORANGE
`COUNTY
`CLERK
`09/20/2018
`12:44
`PM
`NYSCEF DOC. NO. 26
`NY S C 8 F DO C . NO .
`
`1
`
`INDEX NO. EF009672-2018
`NO . E F O0 9 6 7 2 - 2 0 18
`INDEX
`RECEIVED NYSCEF: 05/20/2019
`RECE I VED NYS CE F : O9 / 2 O/ 2 O18
`
`zgr
`event
`
`(E)AE0xturesthataremw or M thefmurewilt beontheFrnputydescrhdin subsecrkm(A)and(B)
`of thbsecdon;
`therigh sadpoperty4tsafbefin subsectiom(B)throogh(E)of EbbsecdonthatTacquireto
`(G)All stphcemenuofor ndditlemtoihePropertydescribedinsubstedm(B)through(F)of $Is secdoo
`nodallInsuranceProceedsfor lossor damageA undallMisceBaseousPrescedsofthePropenydescribed
`in subsections(A)tiragh (F)of thisacdon.
`BORROWER*S R301tTTO MORTCAGBTHEPROFERTYANDBDRROWElUS OBUCATION
`70 DEFENDOWNERSHIPOFTHEPROPBRYY
`..
`psucohothatt(Al I hwfully ownthe
`. (B)I havetherightto mort
`, pant andconvey
`the
`toLander:and(C)therearsnoon
`pegdatarsor chargesagalest Property.exemafor
`areof puhBerecord.
`those
`agerietalwartnq of 6GetoLeader.ThismeamthatI will be
`responsiMefor anyfosses
`I
`suffersbecausesomeoneotherthanmysdthasseneof ther$
`which
`widefrI
`in the .
`prombethatI have.I promisethatI w1U6ttendcryarmersidsof thePropertyagafastany almsof ab
`r¼ghts.
`PLAINI.,4NGUAQBSECURITYINSTRUMENT
`Thh $cewityInskamentmaf•½ prwdsesandagreementsthatareneedin realpr
`instrmoentsalloverthecotmay.a alsocommimotherpremisesandagreementstantvuy to
`of thecounny.My proadseaandagreemealsarestatedin "phtslanguage."
`COVENANTS
`I premtsemaI agreawithlo.4er asfathws:
`J. Borrower'sPrombeto Pa I wlV y m leaderpmtizpe acfpalandinterestdueunderthe
`Nateami
`ud
`prepaymeAlate
`amamtsdueunder , Nm. I w111abopayall smounts
`tiederSectices
`$mtdty Instrummer..
`for Escrew
`Paymeets6ueundertheNotcnadthk SecuityInstnuncotshaDbemadein U.S.curremy.If
`of
`mypaymetnsbycheckor other
`testmmentb refereoftolanderunpaid,Isadermay
`my
`payssentbemadety: (a)cash: ) moneyorder;(c) aersitledchest bankcheck.treasurer'
`anrm-
`cashter'scheck.drawnar
`whosedeposksaretaszredbyr rederalagency.insaurataltiy.
`Fundsnansfer.
`or entity;er {
`aredeemedreceivedby E4nderwhearecehedatthelocadonrese1redin theNote.er st
`designated Lenderader Sectica35of EMsSecurityInstnunent.Leader
`another
`retumor
`i or
`psymnatif RisrarwamoourtthattoIcssthmCaEmountthatis
`due.If
`a fesser
`a lesserpaymenLendertug refuse#
`atthatI rasymakeIn the
`guch
`fahtreand
`cotwatreanyofitt ri
`fo
`, Leaderismot
`wheitfi
`1accruesasif all
`ntstwi
`acceyersuchpayments.If beereston
`n
`whendue.
`intersstonimsstledfur4*, Lader mayhold
`anniIsamke
`themI,eadernee<tnot
`Ded
`. actdosowith areasonableperiod
`LanderwfDeither
`a current.!ft
`tobrty the
`suchfundsorrecorethemin me.to theeventof torectomare,anyansppued win be
`to
`outstandingprincipalbalancebamediatepriorto fastelosure.Nooffsetordif mwidth
`have
`thh
`paymecudocunderthe
`nower to thefutureagainstIAddarWGI VRmefrom
`SecurityInstrtuntntor keepingall of my otherprruphes . agrzementsaccuredby this Security
`Immument,
`2. AppHcationof Borrower'sPaymentsmadfrauranceFrc¢eedsUdessAppEcablelaw or tEs
`Secdon2 rendresothersdse,Imkf wiUallplytechof toypymentsthattenderacceptsIn Lbefollowlsg.
`orden
`FInt.topayhterestdueandertheNote;
`Next.togzyprincipaldueundertheNota;and
`Next.tomy thesmountsdueLeaderunderSecfhn3 of tUssecurkyharnment.
`totheorde la whichit becamedue.
`to
`P
`rt!J
`
`Nextio
`Next.to
`
`erÊeramounaduenoderthhSeenridyInsmument;sad
`theprincipalbalanesoftheNota.
`
`Clefodgsgy3.LO,31VC
`
`@
`
`Page 23
`
`--.
`
`,.
`
`.,,
`
`3 O o f
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`2 3 5
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`FILED
`: ORANGE
`COUNTY
`CLERK
`09/20/2018
`NYSCEF DOC. NO. 26
`12
`: 4 4
`PM)
`NYS c!E F DOC . NO .
`
`1
`
`INDEX NO. EF009672-2018
`NO . E F 0 O9 6 7 2 - 2 O1 B
`INDEX
`RECEIVED NYSCEF: 05/20/2019
`R E CE IVED
`NY SCE F :
`0 9 / 2 O/ 2 O18
`
`If Leaderrecdvesasymentfraretnefor ataeredooicraymemwhichincludesasufacterdsmant
`topayanykte obrp dne,theprymentmy beappBedtothetaraPerfedkPayrnedanddiefatecharge.1f
`moredianenePededkPayawnttsdue,Izedermy spplyanypyntentrecefredfrmanz First,in the
`repymentof thePeriodicPaymenathatareduetf. sai to theextent(Int eachpsytreatcanbepki
`in
`&E: Next.to theextratthatmy excessexhuanerempaymentis apptredtothefall paymentof oreer
`increPededicPayants.$Uchexcessmy begylled (4gaybf t Charges(Oc.
`Voluntaryprepaymeseswitt besppliedasregaws:First to toy prepaymcutcharges;andNexf,as
`describedin theNote.
`Anyapplicatiaet paymenginsuranceProceeds,or MaceflsaeousProceedsfaprindpf duecoder
`theNoteWill1101exttador fostposetheOttedAttof thePeriodicPayrnectsorcbge theassauntofease
`paymena.
`1Month tyPaymentsForTarasAndInrarance,
`(s)Bonower'sobilptions.
`awntpsytoIrnderanamometsneemuytopayfor taxes,assessrnents,watercharges.sent rents
`anda er shnitarcharges,sued sesseboldpaymentor reatr Cf any),huarder propertyinsurance
`amdog theProperty.0oodinsuranceof any),sadanyrevdredMartgaaehsnance,or aIms Resesve
`s aeseatedin seedenw in co placeor MorigagIsraev. F4ebretiodic Fayn-t wit headean
`amourittobespplied:owardprymentofthefolbv4ngItemwhichin alled *Escrewnese
`(1) Thetaxes.assessments,watercharges,sewerrentsando&ersidhr darges ontheProperty
`whkhte4erApplkabletrw my bewrpedorin thh Stanity lestamentasa Lt.caon{bePaperty.
`Any dalm, demamfor dary thath madeaptost psopertybecauseanobligadonhasset been
`Mttisedtskeawnis a mear
`Ø Thefeaseholdpaymentsorgroundrear4onthePapertyOfanyh
`0) Thepremberrar anyandad Insurancerequiredby t.eaderandersections of this seeuchy
`Imaumeas;
`of any):
`8) no prragumforMogage1=
`0) the anam I mayberequiredto py Leaderpedarsection10of& seemityimbweentimread
`ofthepymentof thepraoismtwMortgapInmrma Qtsaykmi
`0) if tequiredby Ltsder.theamoutfor sayCoovnedtyAssedulonDoes,Fees,andAssessments
`ABersignt:gtiteNote,or atsaytimedadogItsterm,LeadermaytodedetheseatoonsesasEsecow
`Items.ne tandhlypaymat1 witt msktfer EscrowItemswit tz basedas Leader'sMm*
`at the
`annualamountrerpeed,
`r wmpy aftof theseanaeuneto I,caderanks Leadertensme,Inwrlifeg,that1donotbareto do
`so,or mitessAppilcableLawregatreso&endse.1 win maketese paymenmon Ebesamedaydat my
`PededicPaymwsof pdndpalad interestatednatodertheNote.
`‰ amomnseat I payto Leaderke Escrew3temswoewdasSection$ wGIbecalled"Escrew
`Funds."1wla payLeadertheEscroprPondsfor EscrawlemsadetsLeaderwaivesznyob!lgattoetopay
`topayin IesderEscrow
`theEscrowFundsfor anyor allEscrewJferns,Izsdermaywaivemyo .
`smehwaiverma4ba weldasIn theeventof such
`hads for anyor aftEscrew1tcouatanytime,
`. theamOUEt5duefor anyErmewhsts for widda
`walycr,1 wilt paydirectly,whenandwhEW
`paymentof Escrewatndshn km waived Len*r a4 if IA5derteqUf WiltFompdysendto
`suchpymentwfthtasuchtheep=*×l asImier tosgestqnfre.My chingatheto
`Iznderreceipts
`makesochpaymeafs toproviderecefptswill te consideredtotieaprondseandagmemeatcontainedla
`adssecudtyinsaumme.asthzpha-e"pomfw andagreements"h usedis Seedon9 of thh Secwhy
`Imtrement.le I amobilpted repy EscrowItemsdhrctly,pusuantto a waiver,and1fait to
`the
`9
`amou(docforsuEmerowItem,landermaypaythatamountsad1wD1t½ beobIlgateditnder
`ef thhSecurkyT=±mmenttoupry toIzader,Leadermayrooks thewaiverasmanycr ill Escrowitems
`at anytimeby a totice givenb secordancewith 5emen15ef tMsSeemttyInMrumenttA stponthe
`st m thenreødredstufer618
`revocation,( witt py to Imdtr all EscrowFunds,andto so
`Sectka3.
`
`catatopa.am,isvz
`
`Page 24
`
`3 1 o f
`
`2 3 5
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`[F ILED
`: ORANGE
`COUNTY
`C1E180-D-9/20/2D18
`12
`: 4 4
`NYSCEF DOC. NO. 26
`PMI
`NYSCEF
`DOC.
`NO.
`1
`
`INDEX NO. EF009672-2018
`IND EX NO . E F OO9 6 7 2 - 2 O1 8
`RECEIVED NYSCEF: 05/20/2019
`RECEIVED
`NYSCEF:
`09/20/2018
`
`-
`
`..
`
`-
`
`1prombeto prmapdyneedtoLeadermy adcesthatI tectiveof Escrewhn amourtstobepaid.
`Leaderwifi estimatefromGmeto timetheamontof FacmwPundsI will inw topy byusbgexisting
`assemnequandblitsandrenonableestlesMof Ebeamount3wUthaveto py for Escrewitemsin the
`future,mdessApptkabicLawrequhesLeadertouseanokr melbodfor defenwagtheamountI m to
`Part
`Inder may,sasaydmewcosectsadholdEm9wFundsin enamonstsufficientin permitLeaderto
`spplythe FatrowFendsat thetimespectliedader RESPA.AppHesbleLawputsEmitsen thegafat
`amountof F.amuwFundsInder tauatsaytheesellectad hold.Thistunt wavundcapaotbemorethan
`the unariummsmounta tendercadd rxquffegodarRESPA.(f Gerets suchr AppitcWeLawthat
`heposesatowerlirnhonthetotalamountef EscrewFeak under canmilectandbold,feder win be
`itenedtotheloweramanet.
`(b)Lender's05thations
`Leader.wfftkeepgheEscrewFombb asayingsor buritnafestitattoowidchharits deposRstarned
`by a federatageticy,tastramemalfly,or endry,or in agyFederalHomeLoseBank.If hader 4 anh a
`savingsatbanktëgtattation, LeadermayholdtheEscrw Ponds,rader witl.useibeEscrowhds 6
`py (heEscmwitemsnolaterthaathesmeallowedader RESPAor odzeAppacaMehw. LesulerwE
`giveto me.withentcharge,anamrealaccottatingof thePacowFeds. T!at aceawathgwt![st;oweD
`sktitionsto zoddeducDoesfromtheEscrewFuds andthetuton for eschdedecdon,
`LeadermayactchargemararholdfogorkeepingtheEmpw Fands,for usingtheEscrewFeds to
`payEmew Items.for m:Magnyearlynalyshof mypaymentof Escrw Feb or forreceMag,or for
`wdrytogandmitUngassessmentsamiblh ifowever,heder maychargetoefor theseservkesit Lec6er
`pys eneintueston theEscrowFendsandif AppDeableDw permitsInder m makesucha charge,
`Leaderwill metberequiredto py meanylattrester emingr onthe EscowFundsanlesseigber(1)
`heder andI agreein writingtht infer will py 2pletestontheEscrowrseds,or (2}Applien61ehw
`requiresreder topayinterestansheEscrewFtmas.
`(c)AdpstmeautoSo EscrowFunds.
`UnderAppacableLam thereis a ifmNan de agent of EscrowFEndticoder ary bokI,If the
`amountof EscrovPaNs be|dby LerdefCzcetdtt|dsDm|4(bm thereWtUbCaReXCe35an100MsEd
`StESPArequirmLeadetoaccounttomeisa ectalnmmerfortheexcessamptmtof EncrewFunfs.
`IE ej anyUnse.hadq hasnotreceivedecosghEscmwFondstoinakethepaymentsofEscrewhems
`wheathepaymenuaredue,LendermayteUsnetqwritIr,gthatanaddhtonalamountisnecesasty.I nill
`payto Emderwhmuveraddisonstsznounth necessaryto paytheEscrowItemswhenthepymentsare
`due,buttheneshr ofyymem win notbemsoreduo12.
`WhesI hve paidaUof theSamsSecmed,Leaderw5tl1stxspdyrefendtoineanyExanwFendsthat
`smthenbetaghMhylander.
`4. Borrower'sCht{gsilonto Pay Charger,AsseumcanAnd Cistan 1 wiH pay all taxes,
`anessmats,watercharger,sewerrentsard odiersimHarcharges,andanyotherchargesamifinesthat
`maytmImposmionfhePapertysedthatmaybesuperfertotldsSeearkyImtrmnant,I wtMthe tanke
`groad me or pyaws du meermylem itI smntenaMonge PropertyandCommnityAnodation
`Dues,Fees.andAssexuatee(10any)dueentheProper$if these5temsareEscrowItetts,1WIIIdodds
`trymakingthepymentsasdescribedfa 5ectfpa3 of tus Secsttffastrismenthr thisSecurityIntmment
`theword"Perso memøanyEdividal, organization,governmentalanthodryaotherprty.
`1will prompdypy or aeds¼aUIJentagahattheProputtythatemyf» superiorto thisSecudty
`Tetrament.However,thh Sectoftylastrsamidoesmetrequiremato extsfya supsforIke tf; (a)I
`agree.in wrfumpto py dreobUgationwMchgavesisato theseparfarDenandunder approvestheway
`in whichLagreeb paythatobttstron,butentysotongasEamperformhgach agreemenit(b)in good
`fakb,1argueor defendagelastthesupdor Des in a fawsaksothatIn leadets opiaica,dwingthe
`lawsuit,thesupertarUenzptyact beanforced,ttitcefymid thelawsuitands;or (c)I securefrornthe
`hataceof thatotherLineanagreeme¾apprewdin wrlifugby Leader,thattheLienef thtssecurity
`
`4A{NY)peh
`
`MeetedF
`
`Form3031U01
`caustgages.Esavt
`
`C
`
`.
`
`Page 25
`
`3 2 a f
`
`2 3 5
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`ORANGE
`NYSCEF DOC. NO. 26
`CLERK
`/20/2018
`(FILED:
`COTJNTY
`12
`: 44
`09
`PM|
`NY S CE F DOC . NO .
`
`1
`
`INDEX NO. EF009672-2018
`I ND EX NO . E F O0 9 6 7 2 - 2 O1 8
`RECEIVED NYSCEF: 05/20/2019
`RE CE IVED
`NYS CE F : O9 / 2 O/ 2 0 1 8
`
`Instrumentb seeriorfothetJeaheldbythatPerson.If Lear decenninesow uy put ofso PropenyEs
`adjac2toe supedoeUe4 LeadermaygiveBerromraoodceidemuffogthesuperkrLien.Whbb I0
`daysofee dateonwhichthesocceisgives.BeerowerAall payw astl*fyGosuperkrUta or ukecoeer
`moreofthepetlansmecGooedis tW Secdon4,
`14nderahomayre fre enedopaya one-timechargefor antadspendentrestenategaxrepardng
`scrdctmedtryLamierfa enoectionwfe theloss. enlessApplicableLawdoesrugpermitlanderso
`makemi achage.
`5. Borrower'sobilgarxmto MaintainHeard Inmranceor Property1murance.I will aff.tin
`hamdor propeNybrurancetoreverall buESogsandotherknprovementsthatnoware,er to6e Gmue
`will be,loatedcm&aPropertyJheinsuranctwill mver!ossor damageamedbyGre,haurdsenmacy
`coveredby *EnendedCoverage*bazardfasurmcepolkhs.red an otherhazardsfar wMehIsoder
`requirescoverag inchuKepbutpot llmnedra earthuntesandDoods.Thetasurmcewill bein the
`to,deducdblekvrh) mi for theperkxfsof thmereqteredtryLeader.
`amounts$ndudbg,butnotlishi
`Whf bler makes underthelestsenteacacanchange6míasmetesmoree Imed mayeseasese
`tamranceemipany,butmychoiceEssubjectto lauler's:1ghtfa dhappraw.landermayactdhapprove
`mychokeunim thedhapprovalis ressemble.Leadermayrequimmeto pty chher(alaone-dmechErge
`for isoodrou determindon,ceritikationmt trackhtssevkes,or (b)a one·dniedege for Goodtone
`determinadoesadcertmentkoserrkesandsuteequsechugese*chdmeItsnapplagsor stmBarchanges
`eccurwhtd reasemblymigt affectce floodrenedeenntadosorceruficada If I dhagreewith the
`floodrenedefemdsation,brey repesttheFederalEmergencyhagement Agencytoreviewsheflood
`anaeAcemiestfosendI preshegopy sayfeesdwgedbytheFederalEmergmcyManagementAgency
`for it3review.
`It 1fati to roa!ntainimyof theinsuranceterages durcrht above,½ter mayobtatarseurance
`coverage.arLeder'septionandiny expense,Leaderis endernocGgationto purchaseanyparticu!se
`mir.k or esightt* pstct
`typecr amountof coverageTherefore,siahcaveragewfil coverIznder
`me,mycolty in theProperty,or ibecontcasof ec Property,agidastmy rish kmrd or Ibbattyad
`rutghtprovidegreaterar leperaverize thanwu provingsfyta ema. I acknowkdgethatshecouc( as
`insurancecoveragesootx:1vedadghtsigulftcutlyexceed@ecostattasuranceant I couldhweobtafted.
`Anyamiretsdhbersedty tanateunderddssection5wE1becooseanyadditionaldeNsecuredby the
`securh 1mumnent.Theseamountswlutxarletarestatat interestratesetfordianmeNotefromthedata
`of dhbarscraentsadwill bepymb)ewith sudsinterest.uponrata fromLeaderto merequexing
`paymet1
`ABat an Insuracepolklesad trxwsk of thosetdkles will includewhatisknowau a"Samdnd
`Cituse"topmtectLedersadwill nametanderasmortageese#otasm rddDfamltosspayesL
`Nortgyp
`Theformetaftpenciessadrenewalswill to acceptabletoLeader.Lamoorwittave therighttoboMlie
`penciesatsirenewalcertmextes.It Lee&r requiremAwit1pmeardystvetenderat receysof paid
`preshs anareemi nodcesthsti receive.
`It 1obtataanyformat lantracecoverage.setcoerwheregekedby Lents, foediengeto. cr
`dmirutrJoeat theProperty.suchpotleywmtac}ndea5tmadardMatgAgeChe madwMhamsteoicr as
`mortgypeand/orsoanaddidens!(oitpayee.
`It thereis a lossor damageto th Preøerty,: wtl proopy modfythe insarmetompuy ami
`Leader,rf Ida out.geinpayprovesi as heance emapmytht melesseramageoccurrithe Tander
`my anso.
`-theamnespaidhy ca inarancecompayrarkm or damageto thePaperrya called'Insmeance
`Paceeds."UnlessLeaderand( othershesitzein wisdaggsayImurms Neesds,whetheror notce
`andedylagtesurancewasrequiredbyLeader,wif(beund to reperor to regatethedmagniFropery
`onlese(a)stis coreconomaxily(midte to and ae reph* or ressernoom(b)es useof theInrarance
`Proceedsfor thatpurposewadalesseea protecdongim toLetskrby ddssecarxyImannect or (4
`Leadered1haveagreedtowriths netWrsetheInsuranceProceekfcethatpurpose.Dudogthapedod
`rormaosst/01
`so reu
`on‰gres.r.o.ien
`
`o
`
`Page 26
`
`3 3 o f
`
`2 3 S
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`12 M4
`[F ILED:
`ORANGE
`COUNTY
`CLERK
`09/20/2018
`NYSCEF DOC. NO. 26
`pl
`l
`NYSCEF
`DOC.
`NO.
`
`1
`
`INDEX NO. EF009672-2018
`NO . E F O0 9 6 7 2 - 2 O1 8
`INDEX
`RECEIVED NYSCEF: 05/20/2019
`RECEIVED
`NYSCEF:
`09/20/2018
`
`&stargreges er recondearan beingzonde,Isodermryholdarylasence Proceedsuntil2 bashadan
`CPP¤$384tyto f*Pict N Pmprty to verify thatse reperwest assbeencomplaus)io L.eader's
`unsfstbu. 1hweve. thistaspect½wIII¼ demçprompdy.LemhrmaymalepaymentsforA repHrs
`in ast:ge payruentor in asertsof propesspaymes4asthewort is comphted.unteu
`ad resbrh
`landeramlEagreeo6erwisefri wdth w imlessAppitcaNeLawHqalre:c4truise, Lenderis not
`reptredto paymeanyinterestor strabigientheInsenaceProcemfs.I wlil My for mayµddicadpsters
`oredurtMMpateesthit I hbs.ad theirfee wlil notbepsktmdoftheInsuranceProccalsiIf timreper
`ar restoraticais ra aesamleaUyfeasibleer if it wouldleucaleader'sprotecticaunderthisSecmity
`thentheInsuranceProceedswill bemedtoreducethearocuntWatI cWetoLanderandereds
`msomat
`seestityinstrumeriSethlawme Proceedswill besppliedtatheorderprovidedfor faSeedou2, It any
`of theImaranceProceedsremalaafar@eamounthe I owetoT.eadertra kn pid inf4 $e remnafng
`ImuranceFroceedswill hepatetoon.
`If I abandosthePropety,hder mayGleaegoduesadsatileanyavalh& toturanceclakuand
`alatedmatters,It 1 do not answer.witten30 days,a note fmm landerstatlagthat theimutance
`congmayhasefferedto settleacizhn,Lati4trratynegotiateamdscidetheclaim.The20-dayperiodwitt
`beginwhentheawce5:stvenJn eitherevent.ar tr LeadersequiresthePropertyunderSecdom22of this
`SecmkyInstrumentor otherWfse,I giveLe5dermyrights10anyIB$nrinctPrØGeds{n griamoum(tiqi
`greaterennthetrosardscapaiditadtrtheNoteandifds3mrtly InstrengstI also.ghelanderanyother
`of myrigha (otherdan thedghttonnyrefur4of imearnedgremiantsaxi 1 paidQindet til Insurance
`polidescovertagon Property,if therightsareapplFeabletothecoverageof theProperty.Leadermaytoe
`theImnetaceProceedscitherin repahcr rests thePropestyortopayamountstmpeldtmderibeNeceñr
`ah SecurityInstrument,whetherernotthendow
`to OccupyThe Property.I witi eccupytheFropertyandme se
`6. Borrower'r Obligstht
`ProperlyastayprindpalresidenceWItbia60daysafterI signthisSectituyT:tstmnentI wiUcondageto
`occupythePropertyandtouse& Proprtyasmyprimipalresidencefor st leasteneye*rme one-yar
`periodwill beginwbcoI firs mapy theProperty.Utmever,I will acthtvetoeccupythePropestyand
`asethePropetyasmy prJacipa)resWencewithfa$E thticfreDesM4fore aime If Imsderagreesla
`wrttEngthatI deacthaveredoso.Leadernaynotrefusesoagraittaless crefusalit reamoaEfe,Talso
`will nothm tooccupythePropertyandsu SePropertfsamyprftdpalreddancewhhttAs timeframes
`setfordtaboveif eneonadagcircumstmeesexistwhichorebepwlmycastroL
`1 Borrower'sO¾igntlessto AtairttalaAnd ProtectThePropertyAndto Pg1fillAny Luna
`Ottentions.
`(a)Maloten±acesedFratsctionoftitsPropany.
`I will notdermy,damageor harmAs Prepatty,sadI w]II notaDow$6 Propertyto4tterbrue.
`Wheeeror ateI amreeEngto dicPropacy,1wta hep thePropertyfa goodrepatrsothat$fwill ng
`deterforatece•decreaseis vene dueto izscondkton.Untessa to datirmfedunder5tethni5 of eis
`fee$20edwinpranp0yrepairthePropityif dampard
`$eecdtyInstfustatthatnydr isnottwh5y
`to avoidfurther4±tedarith or damag if insursaceor comiemandon(m dramediri thedeazidonof
`the
`poemedsan paidbecameof losser damageto, or Condens¹kflttttet
`MirceitaneousPrag
`Property,I wiDrepaltorrestoreAt Propertyentyif Leadeehastelessedthoseprecedtforsilcizpitrpsc&
`heder canypy for thempaksandcestorationowlof paceedsIn a afogiepaymentor in a serfetof
`pagresspaymentsasthewak b completed,If theinsuranceccCondesonathprocesisarem zfDdent
`torefer cr resaxeth Property,1prombetopayfor thecompletionof suchrepairormicrathe-
`(b)Lender'sinspectiortofProperty.
`Leader,andotkarsauAorttedbyLender,ennyenteronad kispectGoPropcetyJheywdidosoin1
`rmanahtemannerandatreasonablethnesIf n basamseeableperpese,tandertosy‡aspecttheintMeof
`thehomeor coer ImptompcatscethePaperty.Beforeoratthetisneashispeedentr mmfe,bnderwill
`givemenoucestaifrsareasonableperpmeforsuchinertertempection,
`
`campp rio,re va
`
`3 4 o f
`
`2 3 5
`
`:
`
`Page 27
`
`

`

`FILED: ORANGE COUNTY CLERK 05/20/2019 03:59 PM
`NYSCEF DOC. NO. 26
`FILED:
`ORANGE
`COUNTY
`CLERK
`/20
`/2018
`12:44
`09
`PM|
`NY S CE F DOC . NO .
`
`1
`
`INDEX NO. EF009672-2018
`I ND EX NO . E F O0 9 6 7 2 - 2 0 1 8
`RECEIVED NYSCEF: 05/20/2019
`RE CE I VE D NY S CE F : O9 / 2 O/ 2 O1 8
`
`& Borrower9LoanAppScation.If, duringthesppUcadonprecessfor theLoan,1,oranyPerseeor
`entityacttagat my direcdomor with myknowlodyor coascAmadefalse,misleading,or inaccurate
`statemanistoLeaderabouitofaroud2potopoetantmLeo6erto determtelagmy tifgthØNyfor theLoss(or
`dfe not provideLeaderwak suchinferseation),Leaderwal trett my acuansat a ddaultonderGh
`Seou1tyhsomnentFahe4soklea@ng,or imccuratestatemetzaaboutinformattoolatportantto leader
`woehltacludeamhrspresenradonof mykstep@ontooccupyGeFropertyasapstncipziresidenotThhis
`ustoneexampleofafalseWane
`orinno;vrateAtaEcahtoffmpartaciinfermanna.
`P.Leader'sRight to Protst Its Rightsh m Propety. Ift (a)I 43 potken mypombesmad
`agreespentsmadeto thisSecurityInstrument:(b)someone,hcludfagme,beginaa tegalµoceedingdu
`my signmcancy:IrectE4nder'simarestiade Propenyorrightaunderth seemeyEstament(instasa
`legalproceedingin bankrapy,in probate,for Condemondomar Porfeiture(asdefbed in Scubt 11).
`procce&p whidtcoaktgiveaFersonrightswhkhcoiddequaletemed Lendtr'slaterestin thePaparty
`or underGrhSearkyhttitatet prected|agsfor enforcementofa Lienwh maybecamesupestorm
`ab Securuylastrument,or coenfbrcebwsor regahitenv:nr (c) I hve abamloeedtheProperty.then
`Lep6ermaydo 944py for wtateverh seasonaNeor awrapdaseb protedLeadetsblemf h the
`PropertyandLeder'snpts undert¼ Seceityimhument.
`hadets acticesmaytachde,64 arenorBagledme(a)yacting mid/orassesstagan vahmof ghe
`we anyLicaagilst the
`Property;(b)secur4gadfor rep±tdagtheProperty;(4 psylmgeamsk
`t or caperiortothu SecurlyInsinment;(t0 appearingin tzirt: and(e)psytag
`Property4xt maybe
`reasebte anoeneysmesto pse ct its Emms in the Propertyand/orrightsvadorthh secunty
`EnsfunentindedingWseemaposmanin ahankruptcyproceens.LeadercanaboenterGePaperty
`tomakerepatrs,changeheks,repbeeor boardupdoorsandwindan drelawarr from9tpescomina
`beddingor othercodeviolatiomor dangt