FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 P
`NYSCI EF DOC. NO. 89
`NYSCEF DOC. NO. 89
`
`
`EX NO. 20157
`INDEX NO. 20157
`
`
` EIV.
`ED NYSCEF: 03/15/2022
`RECEIVED NYSCEF: 03/15/2022
`
`IND
`
`EXHIBIT
`EXHIBIT L
`L
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`OF THB STATBOP
`SUPRBMB COlRT
`OF SARATOGA
`COINEY
`LLC dea.Champton
`l)gage
`NaRomlar
`
`NBW YORK
`
`Mosqpge
`
`Compang
`
`- agains
`
`-
`
`.
`Plaintifts),
`
`.AFRDeVff
`AND Angng)gg
`
`OFMENT
`DUE
`
`JudexNo
`
`20137
`
`MongpxneryCountymoisstenaùieLimmed.
`Ci6laman/Wa
`oree
`AdminisNate
`Emateerismily
`Stem of Annethisastleg
`Jane calithno:\e
`Onited
`and Ushan Developusht;
`The Standmy
`ofHousing
`Blains
`Lancence
`Hess; Matk
`liess;
`liang
`.Houst
`Jef9ey
`Janes Dances Dorothy
`John Demon;
`Scott Hess;
`Ysistag
`James;.
`8haron
`Debonth
`Solistanberger;
`Pintnmenstl;
`Willisins
`John Hess;§tophen
`Wesst.Alted
`Kathleen
`Jones;
`State Deputment
`aMa Alted
`York
`Rebast Wilrmms;New
`. Defendent(s).
`of Tination
`sad Pinanos,
`
`EmEy
`tlump
`
`Richant W NY IBM
`
`,
`
`9
`
`.8A
`
`) )
`
`)
`
`grATB0F
`
`Texas
`
`COUNTY
`
`QP Denton
`
`Buta Naylor
`
`, beltig
`
`duly
`
`sweekdepedes
`
`and days:.
`
`1.
`
`t-sm pan
`
`Assistentisecragary
`
`atNAT1UN8TARREORTGAGE
`
`LLC
`
`En/A
`
`CHAMEMN(cid:25)0RTGAGE
`
`COMPANY
`
`("Chameplen"),and
`
`have.
`
`imowledge
`
`of
`
`the
`
`thetssemind
`
`heein.
`
`2.
`
`In.ths
`
`sesp1st
`
`paramnanood
`
`my job
`
`finutions,
`
`I have
`
`asesas
`
`to and ame mun)st
`
`loan
`
`at
`
`in this
`
`action.
`
`with
`
`the huelness
`
`rebeds
`
`goladag
`
`as me surviding
`
`of
`
`thá mortgage
`
`lents
`
`Champion
`
`keeps
`
`certain
`
`business
`
`rangeds
`
`pertaininkto
`
`acts,
`
`t.nmesatidies,
`
`coommunose,
`
`and events
`
`regpulingmapstaingaseo
`
`the agatgage
`
`loanaoommgs
`
`Chaunpionservica.those
`
`businus
`
`records
`
`are unslo
`
`and
`
`*=tuntman
`
`in
`
`the
`
`regular
`
`course
`
`of Champion's
`
`hesiness
`
`ad
`
`include
`
`data
`
`compiledone,
`
`imaged
`
`doomnents
`
`eitted
`
`to
`
`paynunt
`
`and
`
`expenditures
`
`an
`
`loans,
`
`as
`
`sell
`
`as
`
`cosmarni
`
`loan docuinent
`
`such m nuxtgages,
`
`notes,
`
`name
`
`domments,
`
`and other
`
`nexds.
`
`Records
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`d 5
`
`sch,
`
`Bl of EdBT die
`
`thus
`
`r h
`
`hdbnnsEen
`
`imnanibed
`
`by--a
`
`pomon with
`
`leewledge
`
`"I a the enlant
`
`that
`
`thO busteep
`
`mmals
`
`of
`
`the loan
`
`in this matter were
`
`ceased
`
`by agrlot
`
`édevicer,
`
`those yenonis
`
`have
`
`been incorpomand
`
`kgo
`
`Chanspicn?s
`
`insines
`
`recents
`
`and mUed
`
`upon
`
`by Chample
`
`in tis
`
`regulsU gamakof
`
`in day ne day
`
`business
`
`opemthna
`
`3.
`
`This
`
`is an action
`
`seeking
`
`to f beenlose
`
`aturatsetnortpge
`
`upon
`
`residential
`
`peoperty
`
`located
`
`at 712 Swaggerteen
`
`Road,
`
`Scotia, NY 12302
`
`("Premises").
`
`4
`
`Emily
`
`Jane Callibno;
`
`("Borrownf")
`
`exsouted
`
`a nee
`
`fl%gp"),
`
`setnned
`
`by
`
`s
`
`Mangags
`
`("Mmtgaga6,
`
`ami aIman
`
`Agnement
`
`Obe "Loan
`
`Agenoment"),
`
`all dated
`
`February
`
`2,
`
`|$0r/,
`
`in Ikÿ0r
`
`Of Wells
`
`Fargo
`
`Bimk..NJ4
`
`setting
`
`f brih
`
`the lenus
`
`and canditions
`
`orthe
`
`everes
`
`'I%e Loan Agreemers,
`
`ibgether
`
`withths.Nots
`
`mortpgs
`
`loan,
`
`in Avor
`
`of Wellis Enrgo Bank, Nd.
`
`and Martgage,
`
`me sonectlyely
`
`remined
`
`to hotelne8er
`
`as the "Lean
`
`Deemnsets"
`
`A sepy
`
`grde
`
`Zame Anemmentasammediansas
`
`as Ahf&lr"A".
`
`5,
`
`The Mortgage
`
`was
`
`recorded
`
`on Pebrusty
`
`'A
`
`2007,.
`
`in
`
`Instrmnent
`
`Numben
`
`20M007401
`
`In the Ofthisofthe
`
`Cliy Register
`
`ofthe
`
`City
`
`of NeuUYoik
`
`hthe
`
`covay
`
`of sameogs,
`
`StanotNew
`
`Yorls
`
`The Mortgage
`
`was tron
`
`med
`
`toNatleaster
`
`Matgage.LLC
`
`d/bda Champion
`
`Mortgage
`
`Company,
`
`and mid inselhr
`
`wasmemorialland
`
`by an Assignment
`
`of Mnngagooneouted
`
`on Septunherit,
`
`20t7
`
`aml mongled5eptanhat
`
`12, 201718
`
`limfmment
`
`Numban
`
`20170290S1.
`
`A
`
`qfthAnkamiratefMotegertoashned
`
`eqpf
`
`hento
`
`arbhtM"B";
`
`li
`
`t
`
`Platutilfris
`
`In possession
`
`ofthe
`
`None and Is the endly
`
`entitled
`
`as entman
`
`the Nota.
`
`'lfieve
`
`Ip,
`
`in f bet, a dedbulfander
`
`theterms
`
`and senditlans.
`
`of
`
`the Lemn Documents.
`
`Borrower
`
`thund
`
`to parlbrm
`
`an obilgation
`
`umler
`
`thearms
`
`orthe
`
`loan
`
`by Non-Occupancy.
`
`The
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`de
`
`ulthms
`
`not heen osed,
`
`and the lose
`
`has begaspeakanted,
`
`maklug
`
`the satise
`
`antount
`
`due and
`
`owing
`
`in accordance
`
`with.the
`
`forms
`
`arthe
`
`loan,
`
`along wl
`
`laterest,
`
`8.
`
`first cInsm anilcn
`
`ly
`
`rneedis
`My reviewgchamplen's.busineou
`Ampast S 2014, AenpydànMNonos4|¼
`
`avants.thst
`
`aNotite
`
`efDeAlelt
`
`was malled
`
`adttoannoud4smsfoas
`
`stNMC".
`
`9..
`
`A90
`
`dug®netide wsh not
`
`requhed
`
`because
`
`this.sebject
`
`mortgage
`
`is afeverse
`
`mortgpup,
`
`whloh
`
`Is not conskieged
`
`ahogue
`
`lose pursuantso
`
`RPAPL
`
`§13%
`
`10.
`
`in areverse
`
`morigIp,
`
`at advances
`
`are added to the loan balenes,
`
`porthe
`
`terms
`
`of
`
`emn
`
`if
`
`never
`
`the Loan Dooninenteú
`
`As such,the
`
`toan%1anos
`
`continues
`
`to step
`
`the banmmer
`
`inkss
`
`cash advances
`
`ater
`
`the.ksmdoses,
`
`or haks
`
`inldngessh
`
`advances.
`
`Thlals
`
`due to
`
`.compoundinginterms,
`
`mortgage
`
`insurance
`
`pmmDnes,
`
`fbes andadvances
`
`diet me added.to
`
`the
`
`loan.balmnes
`
`saoh month.
`
`11.
`
`12.
`
`At
`
`the tinge ths adtkin.was
`
`countendg4the
`
`smeantdna
`
`was $110426.00
`
`As sensuk
`
`orths
`
`deflu&
`
`the amanut
`
`due agion theNoteimiMortgage,
`
`as shown
`
`by Chatopion's
`
`beginess
`
`records,
`
`as of May
`
`31, 2011,
`
`Is as fb1lows:
`
`Principal
`
`Balance
`
`3125J43.66
`
`Dsts
`
`the Payoff
`
`IstometProoissed
`through
`Insuest
`MIP Processed
`the ParairDnes
`MIP ttgaugh
`Poss Ptenessed
`gervies
`serviesiressenough
`
`the rayoffasto
`
`Tdtas
`Insmence
`
`Inspectlans.
`Appedisat
`Premnedon
`Attorney.1hquase
`
`igsggef
`3d3.
`
`$3
`3$32&di
`SIEA
`33d2tG
`A3&O
`33LEd2
`3&A9&91
`.362&G9
`s&gg
`S
`
`12&gg
`
`S&B1
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`£xpenses
`Funds
`
`Other
`Suspense
`Month
`Month
`
`Scheduled
`Pte-Payment
`A4vence
`Cadit
`
`CorporaM
`11orrower
`TOTAL
`
`Payment
`
`$022
`
`SQA0
`$92
`$101
`
`$10A
`(S430.00)
`s26D8411
`
`[
`
`Subscribed
`
`ind
`
`swom to under.the
`
`penalty
`
`of perjury
`
`this ,...20_day
`
`pf
`
`May
`
`20_2L
`
`4ÂTIONSTAR
`CHAMPI
`
`MORTOAOB
`. TOAQB
`
`LLCD/11/A
`COMPANY,
`
`Plaintiff
`
`Datin
`Name:
`Title:
`
`Erin Naylor
`Assistant
`
`Secretary
`
`TO BE COMILETED
`
`IFEXECUTING
`
`OUTSIDE
`
`OF NEW YORK
`
`STATE
`
`STATE
`
`OF
`
`Texas
`
`COUNTY
`
`QP
`
`Denton
`
`On the 1 day. of
`
`)
`
`2021
`
`before me,
`the underaigned,
`in the year.
`way
`un naylaw
`appeared
`said State, petsonally
`In and for
`Public
`Notary
`to bothe
`individual(s)
`evidence
`to me on the basis ofsatisthctory
`orproved
`to'me
`persensRy1tnown
`to me that
`acknowledips.d
`and
`instrument
`nathe(s).
`the within
`to
`subscribed
`Is (alt)
`whose
`and that by his/hedheireignatom(s)
`the mame in his/hedtheir
`capacity(les),
`executed
`he/shei$hey
`the individual(s)
`behalf
`of widch
`ortho-
`upon
`person.
`the individual(s)
`on the instrumem
`. ent.
`.executed
`the ins.
`
`a
`.
`
`soted
`
`Notart
`
`Pubh
`
`My cornmligslen
`
`expirus:
`
`11/05/24
`
`. moM WIUs
`Notery Pub0 , Sato W knes
`Comrn. Gistres 11484034
`Notary ID .130888360
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`JUDGMEIR FIGI RˆB.
`
`Knownwarlance
`$
`D.00.
`
`Createdate: 5/19/2021
`
`PrincipGl
`Interest erocessed
`Interest throughthe Pavotivate
`MIP Processed
`MIP throughthePe9off date
`seavice FeesProcessed
`Service Fees thrqugh the Payoffdate
`TAX85'
`insuralyth*
`Inspectiotu*
`Apprantals*
`Pressfustion'
`Attorney Expemes'
`HOA'
`Other E'spenses
`suspanite Funds
`Month schedule Payrnent
`arment
`MonthPr
`Subtotal tsan Bolance
`Outstanding.Adv "
`Totlil Loan 8tisncil
`
`-,-,P....,0.,-
`
`tailad one: mis.or-to
`
`Conorrowen
`
`Pnip rty 73rSWAGGERTGwisROAB
`scomwaastit.
`nam 15700co053ali11es
`
`'
`
`$
`$
`$
`$
`$
`$
`$
`$
`.$
`$
`$
`$
`$
`$
`$
`$
`$
`5
`$
`$
`$
`
`I*
`
`228,743-56
`do,554.40
`33s.s11
`8,2;l|t. 9
`107.86
`5,230.00
`30,00
`27,51240
`8.998 0
`62DLDD
`
`49,126.50
`(450.00)
`
`21111,784.12
`
`265 784.22
`
`--
`
`b
`
`,
`
`.
`
`enedoner.
`"Wuæisbeingid.eptressespons.onarbitertheepiledduedutsunIaMowunceatvamnceof
`·""QetntnnllMg)drsectigficontainspoMAnarnergiessand.Cogisandartactshpmasqtba
`tremorilonheterr. Messegardy1111sanleuktthroughsIgypanies.
`05/Iä/ann
`PisasaNatesTheehovebdgntentquotelianlygoodthrough
`f4quanatn1ngattgh.lodynanftsmH5te5)rmusdad
`Judyasratpms.eginedgetimMoTsebtiisemasamyonqugae.FPtygNRgs"ngWieneudesläftetarnalumøginestinair-answ
`eneyedrittgentmenestinoughthtenearthegwsustcasundemangh.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
` FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 P
`NYSCI EF DOC. NO. 89
`NYSCEF DOC. NO. 89
`
`
`EX NO. 20157
`INDEX NO. 20157
`
`
` EIV.
`ED NYSCEF: 03/15/2022
`RECEIVED NYSCEF: 03/15/2022
`
`IND
`
`A
`EXHIBIT A
`EXHIBIT
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`ARÖRNIUS.CERTIELCATIorf
`Pursuitrd he Raeton ;»ns or in.
`Civ2 I$racinht to
`anrf
`thee-u
`in pange,
`admote.rt
`in g,,
`Stalo. hwehy corkfy thfit Ilun
`compared by me with the or
`tru
`nd complete onpy g
`
`, y, ,,,
`an
`
`nas
`aga
`
`RATE NOTE
`AOJUSTAHLE
`(HOME EQUITY CONVsRBIOW
`pmcass ga
`
`Psimsim? es, a.st
`T15 SIRIOGBRBONIT3DhD·
`lflf
`'13302
`800t31,
`
`Imepworasmany
`Obmawn manna anahperson sig Ings the endW gMsSlogeMLande onceps
`it.a.
`m.s vame sex,
`
`kh.. De9plopmht
`
`p
`
`ige
`
`p IIsema
`
`g
`
`T..
`
`A.
`
`re or for the be mRtof
`r a-pt
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`
`at
`
`-n...
`I g r 5858n
`
`lainlRS t
`en
`-,.Mawa.
`G. 6
`(
`sm:5.C.T.T.YEma'...n
`
`to.
`819
`
`eam..
`4. M
`
`war
`
`amelted
`.ef trust or
`p
`awam.ehFE&=£5.h..e.
`.0F PAVMENT
`
`fnpuñI
`
`und r the
`the man
`.5
`5
`ount di
`th In
`..n413W*"'
`
`.
`
`I
`
`Instrunum .
`
`PavanantshallInirnedn Jia'NET4BUK 80 BMit. al.4.
`5G$U.AT&TEV25NBIsVir.
`ItM 37902-938
`ftRBT181ta, 3C 3p715¿'I203
`99473-320
`S
`IgnatoIn wriglegbt NdGusý Darr.wigr.
`grsorialIlabbityIgr p)
`I agedebt. Lander,theng
`aw
`I
`t B
`a
`
`vier shell h e
`the
`
`is
`
`, or any such agher
`
`sp 11t6
`IMJ
`
`'m,me--
`
`Bil
`a Gar
`on.
`10)
`int
`
`In.
`
`go
`. 5utd
`a Chap
`a wII
`
`toan
`
`calmlain a twinfereal
`rateby addh a a m I
`,i
`is
`5 t at seis Moa M.amps,t
`.
`
`Ig
`
`se or d
`
`b
`
`ingo t
`
`nerrentage points
`
`salm
`
`e
`
`r.
`AnInn
`
`.n.ne,.h.auw-..:e.....,,.m
`
`.z
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`B
`
`as
`
`OREL
`
`7.
`
`B A
`
`engaseen
`
`Bast spa
`
`ses
`
`n dess and
`
`naael a
`
`s.
`
`ï1muner ala skuendsss
`laihedet
`85 Isuinr tir d 8558855 SadB kpØn
`egel.rr,
`Ingigsig nises
`. gh mg-gøggg!p br eg
`
`er
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 P
`
`NYSCEF DOC. NO. 89
`NYSCEF DOC. NO. 89
`
`
`INDEX NO. 20157
`INDEX NO. 20157
`
`
`
`
`RECEIVED NYSCEF: 03/15/2022
`RECEIVED NYSCEF: 03/15/2022
`
`%
`
`p
`
`
`
`EECwvseeeecnncenbh
`
`
`
`
`|
`
`
`
`
`
`|
`
`Page Sats
`
`°
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`.,
`
`e
`
`Kathleen
`
`-
`
`Saratoga
`County
`A. Marchione
`GLIMUts
`opwirY
`EB
`PART
`9895
`
`THz5
`
`REGtEPT
`
`No.
`
`s
`
`200'f211216797
`
`9:-
`Inste
`Date:
`.Rea
`Grps
`Doc
`Descrips
`Num Pgsi
`
`2007007401
`02/22/2007
`M
`HORTGASB
`1'/
`
`10:46:16
`
`AM
`
`Party1;.
`Party2;
`Town:
`
`JANE
`CALIFANO
`BNELY
`BANK
`FARGO
`NBLLS.
`CHARLTON
`
`-
`
`New Buk
`state
`of
`8885035
`COUNST
`RECORDENG.PAGE
`258TRUNENT
`TBB
`0F
`
`CLEEE
`
`Recording"
`
`Pageni
`Bheet
`cover
`Reco
`rding.
`Btlucation
`Names
`g33
`
`Affidavit
`
`ree
`
`ree
`ree
`
`Basic
`.8M
`CDTA
`
`Bax
`raz
`
`Tax
`
`Amount
`hount
`Angount
`
`Total:
`vese
`
`*****
`
`serial
`Calc
`Mty
`
`NOTEC15:.
`
`THIS
`
`28
`
`NOT
`
`A BILL
`
`*****
`
`Nortgage
`#e
`Nethod:
`Amt:
`
`Tax
`CH-19243
`Eitempt
`243000.00
`
`48.00
`10.00
`5. 80
`20.00
`0.00
`5.D0
`
`0.D0
`0.00
`0.00
`
`88.00
`****
`
`Basic
`soNEMA
`CDBA
`
`Total:
`
`0.00
`0.D0
`0.00
`
`0. 0 0
`
`.a
`
`at
`
`Record
`
`and
`
`Return
`
`T01
`
`EADETAL
`ROUTE
`952
`CLEPTON
`
`TZELE
`-146
`PARL
`
`AND
`
`AB2TRACT
`
`SERVICBS
`
`INC
`
`NY
`
`18665
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
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`THIS NIQRTGAGE
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`la given
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`This
`
`which
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`
`end existing
`
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`
`the.
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`lows of THE IllfZ2ED
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`STATES
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`("t.ander"1.
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`.
`advance"
`future
`to
`le c.bl
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`which
`Includittg
`emounts
`L.ender
`to
`hes agreed
`to
`repsy
`es
`date
`dapid
`the same
`ement
`of a Home Equity Conversion
`Loan
`the
`under
`terrne
`edvances,
`is evidenced
`by Borrower's
`Agreement").
`to fopsy
`The egreement
`("Loan
`Instnsnant
`thle Securhy
`to
`securse
`This Security
`Instrument
`inavureent
`("Note").
`the eame date as this Security
`Note dated
`subject
`at 4 rate
`ints eat
`the Note, with
`evidenced
`by
`the
`debt
`of
`repayment
`the
`lel
`Landers
`a mentmurn
`of
`.the Notei
`to
`end .modifications
`up
`extensione
`all
`and
`renewsle.
`edlustroent.
`to
`o9 /&00
`"ructrangin
`unmas
`reatr
`'nvo memnamo
`ar.nount of
`principal
`
`eted
`
`amp
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`edvanced
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`sume, wkh
`interest,
`the pairment
`;000.00
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`W.S.
`4
`"""""""****"243
`the
`das under
`or otherwlee
`anotrument
`this Security
`the endedEy.of
`8 to protect
`Pere
`under
`and moreements
`covenehts
`of Barrower's
`and 1c) the performance
`th s
`instruments
`of
`terms
`ecurity
`dencribed
`(b).
`[n (al,
`amounta
`full debt,
`and the Nate. The
`including
`Instrument
`under
`this Security
`2014
`, For
`this
`on AUGUsT
`1!rta,
`one .pavable
`le due
`If nor
`.pald
`emiler,
`.and
`le) alieve,
`the
`power
`with
`ef asle,
`to Lander,
`and
`hereby mor gogo,
`grant
`Sorrower
`does
`convey
`purpose,
`New York:
`County,
`lpasted
`sanarceA
`ln
`followingdescdbed
`property
`
`rem. ese1ony
`KDe4 : o28os
`
`toMNVI Rev 0sner2008
`
`Paga 1
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`sea. 7ttached
`
`3rr
`scotERg
`act
`Icpy.sma,
`Adshess"h
`("Property
`on es
`arsened
`how or headerr
`sA t<is limprovemerm
`TOBETHER WITI-I
`a part
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`si.uit
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`. ass,
`aseenients,
`.
`All of
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`a tell etsé be coveted
`this Oscudty
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`."
`.
`.
`es the "Pro
`.
`this $soudW Instranent
`.referred
`teh
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`of
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`13503
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`
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`
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`.
`salsed
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`
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`
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`.
`.
`
`he
`
`all
`All
`
`a
`
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`
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`
`w th Emited
`
`combines
`1
`.vadetlans
`
`.
`luffedio6se
`
`.for
`covenants
`constnutg.
`.to
`
`a
`
`and
`use
`se udty
`
`5
`I N
`U I
`of Pdncipal
`1. Psyntent
`the dent evidenced
`on,
`of Property
`2. Payment
`sad hazard
`rains,
`
`glorrower
`andl.snder
`Bisones
`and Interest.
`the Note.
`. Bonewer
`skull
`premiums,
`
`Ins
`
`Iniosest
`
`ground
`
`covenant
`shsil
`
`and agree as foAaws
`due titie1ulacipal
`psy when
`
`pay ull
`and sp
`
`charjdes
`roperty
`.assasstrusita
`
`sort
`irt a
`
`of,
`
`sad
`
`of assa,
`nis
`
`,
`
`withhol
`IIce of
`
`inci
`
`requ
`
`a
`onth
`flinds
`n
`Astosment.
`for
`in the
`as
`K M
`the
`on
`ellimpsomuments
`insme
`shall
`hisurentis..8orrower
`Hassal
`d and other
`*
`and
`tenants,,
`ensumitles,
`against
`now in existends
`spy
`arsoged,
`subesqueney
`wh
`and
`to the extent
`In the s(neunts,
`shsR be mobasined
`dra. This
`.Insorences
`ncles,
`poveleprnsht
`at
`and
`Urbsp
`L.snder
`or
`Homalng
`Seestory
`. by
`the
`sededt
`now
`ths. Pro
`whether
`ants
`on
`an
`.elas
`:insure
`anell
`l.
`.sh
`by the 5eopsters,
`to the extent
`loss
`against
`as or a
`p and any
`.iho
`les
`carried with
`nderi
`shall
`AD Inliurance
`, and In a form
`slauses
`11peluda
`be held by 4.ander
`shell
`renewels
`
`o
`
`frig
`
`yenant
`
`to
`
`(
`
`floods
`
`by
`toes pays
`
`and
`
`yor
`
`in
`
`n9m spent
`loss, Barrower
`II not mgde
`loss
`sad masted
`to
`
`stall
`by
`
`of
`
`1.snder
`the
`If
`restorsitpn
`
`n er.
`I
`
`er
`
`.
`
`in
`
`tty reall, 1.endar
`notice
`immediate
`ive Lander
`seriegmall
`Insuranus
`. Bach
`compggy
`such We to 1,tinder
`to torrouser
`inesed
`of
`tr
`the dentaged
`or·rspsir
`no soliseration
`tre applied
`lessened..
`is not
`Landers
`fossible
`ascurity
`and
`is esenoraleslly
`weidit
`er
`1.mndern
`@ssibia
`not
`seeerity
`eculiondpolly
`
`of
`
`in y niske
`s hereby
`and to
`sty,
`the
`be
`
`donA notio2
`
`asse t
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`a-
`
`Isseened.
`Second
`reduption
`presenda
`securby
`..
`.Peoperty
`tisgrange
`
`the I
`.5ices
`the IndebesWriese
`of
`over
`ra
`an empiint
`Instnament.then
`of
`teent
`In the
`eminguishes
`that
`In force
`pglistos
`4. 0souponew
`l.eseshotle.
`etiore
`reeklen
`after
`
`to
`for
`
`the
`shol
`
`tlin
`
`on.
`a st
`frowet
`peeduden
`
`occup
`tMs
`
`of
`
`shell
`
`See
`
`Brat m the feduddlon
`ite appinid
`so
`ort
`at held .
`and
`the Nets
`I outateneg
`to
`tlined therate.
`wine
`or äther
`Instrument
`interest
`6tle
`
`a
`thh(
`of
`du $gdness.
`purchener.
`-th
`ami Protection
`and
`a establish.
`.
`.
`
`of
`the
`
`a
`under
`Indebeedhesh
`to .the
`gnd then
`insurense
`and
`thfe
`
`nt.
`under
`
`afensfer
`of
`of Borrower
`
`to the
`this
`to
`In and
`
`as thè.Pr
`so
`
`8or
`
`toon
`sorrowere
`so Barrousers.,
`lost
`one
`(or at
`
`end
`
`.
`.hous
`
`Incipal
`a
`the penpemeaning
`
`arm of
`as In the Loan Agreenient
`
`ate,
`
`regi unst
`
`the See
`
`best
`
`sitt.
`
`h
`
`infear
`
`ear
`
`s?"
`
`sits
`
`2nam
`
`el
`
`e
`or ellow
`p
`2""e2A":cedard0&¶ti'J"Art
`the
`loan
`evidencgg
`urith
`connection
`gorTewers
`occuponey
`concoming
`lkrrower
`le on a :1seeshold,
`Iristrumont
`the
`fee thle
`to the Property
`acquIres
`In wthing.
`agenes 16 the rpeger
`
`by
`of
`
`hot
`but
`the Note¿ Includings
`as a .prinetpel
`the
`with
`the proclatong
`shall
`fee dd6
`not
`
`residenos.
`the lease.
`of
`be aterged
`unless,
`.
`
`tÿ,
`
`.
`
`receintations
`Seourhy
`.
`
`der
`.
`
`leasehold
`
`If
`
`In Paragr
`ocle
`the pslyinent.
`request
`. ader's
`Borrgwer
`shaR
`this
`Securfly
`.
`
`Paragraph
`
`are not
`thet
`an
`inerne
`el0
`whlolt
`is a
`to tlie entitr
`tists
`41
`diesotly
`sheR pay the
`lower
`e
`.
`upon
`In the
`fifroperty,
`Inarest
`I.oridere
`effect
`to pay would
`ed9ersely
`failure
`.peyments.
`spidenol
`siese
`asceigits
`I.ender
`.
`to
`furnish
`shell
`Borrower
`prompdy
`over
`hee
`which
`rity
`IIsm
`discharge
`mpty
`ded In Paragraph
`.120:h
`pr
`in the manner
`nutrwnese
`che gas required
`or
`the Droperty
`paymento
`to make these
`if.Borrower
`falls
`In this Becurity
`regniorite
`contained
`covenants
`and
`any, other
`Ialle to perform
`or
`In tie ProptIrt
`rights
`Lemint's
`y effect
`that may algrilfican
`le S legal
`there
`.proceeding
`Londer
`lewa
`skthen
`or
`Or to enfonge
`reg
`for condemnedon
`In hikikrupmW
`proceeding
`righse
`and 1.orider's
`of
`.the P
`value
`the
`to protect
`pay whatever
`Is necessary
`and
`mendoned
`in Peru
`and other
`Insurarine
`haunti
`af
`taxeik
`payment
`Propenv£
`Including
`or
`ornt energe
`to
`sheB.sdvance
`Londer
`ths.Propaty,
`socifrlty.In
`Te promét
`I.ender's
`a 4.oss
`.In
`Preinium
`as timitned
`to·
`Insurance
`blortgage
`for
`sis
`the Secretary
`smounte
`due
`the I.nen
`se·definedin
`activisee
`for servicin
`due to the leen emrvicar
`at sA sume
`so well
`debt
`addhlonal
`shell becomean
`under
`this Pers
`by I.ender
`Any arpounts
`diebumed
`sesumid
`this
`Security
`I be
`and
`Loan
`In the
`inr
`Agreement.
`as
`provided:
`
`ell
`
`unnumt.
`Bompmer
`Instman.ant.
`
`.
`
`by.
`
`2,.
`t, or
`se e.
`rney do
`In the
`h 2.
`
`In 4
`
`in
`
`eleuk,
`
`manna
`
`ade
`
`stHoon
`
`t
`
`B
`
`the Pro
`
`. If
`no protest
`
`action
`
`km re
`
`pgeserve
`
`such vacarlt
`
`the loan
`or
`.or abandoned
`
`..
`
`7.
`
`Co
`
`egone
`
`The
`
`sede
`
`elf
`
`cr
`
`tileIn
`
`for
`
`cle
`
`direct
`
`h
`Noep and Second
`of
`the inden
`reduo
`e.
`
`rr".ntziNo
`
`totheˆJy
`
`a
`instruinset
`unds,
`
`or
`
`Ind
`
`thg
`
`o
`Be
`
`t
`
`sco
`of any.
`on
`
`"""'"undha
`
`IngsNy
`
`therage.
`
`e under
`hen
`end
`
`a
`
`eTao'ggra;
`
`oilts:
`
`cese3
`
`fices
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`& Ps.)
`
`Lentler
`
`a an
`
`by the Sacrasary.
`in fd
`c
`payment
`
`h
`
`sil stens
`
`songrad
`
`by
`
`one
`
`aMthodsed
`funn on.
`charget
`Inay maggles Immedleta
`la not
`
`nd Æe Paggerty
`
`th.
`
`princip.I
`
`residence
`
`of at
`
`least
`
`(
`
`.
`
`dir shall nodfy
`
`(enjiar
`
`.w an.v.r
`
`any of
`
`the .events
`
`list.8
`
`in
`
`(5 Conect
`
`the mans
`
`whick
`
`resulind
`
`In th.
`
`flecemy
`
`Inneumgint
`
`coming
`
`slue
`
`and
`
`sh.ll
`
`act
`
`.e conskiered
`
`an cocupeget
`
`cr he consWpa
`
`having
`
`e principal
`
`asithines
`
`for
`
`f
`
`mamme
`
`a
`
`m¿ar
`
`54lIA:0tal
`
`m.--
`
`a
`
`2-"e*"g§2°22T.T-a
`
`.
`
`y...."'""m
`
`Pagne
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`Innhedise
`
`wi
`
`e
`
`I ra
`le not
`
`n
`
`a
`
`I.snd
`
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`
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`I
`
`nder
`
`1
`
`).
`
`Lander
`
`n
`
`em=
`
`.gr-
`
`c n advanent
`
`in
`
`th
`
`or
`
`elantat ment
`
`teBadve
`
`to
`
`a
`
`a
`.rose.n....n-
`
`n
`
`.
`
`ena or more
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`
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`
`tetu
`
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`
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`
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`a
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`
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`
`It
`
`ted
`
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`
`Borr
`
`to has
`
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`
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`
`ebtge
`
`shall
`
`rn
`
`a
`
`Ran whloh
`
`has
`
`derge.
`
`Barrower
`
`.pr
`
`to prov
`
`. any.pert
`
`of
`
`the
`
`take
`
`..d...
`
`.
`
`shel
`..
`
`ont
`
`t su
`
`IJs.
`
`of
`
`t
`
`the
`
`to a son
`
`h may
`
`off
`
`or
`
`more
`
`o
`
`the
`
`a
`
`0 de
`
`omie
`
`which
`
`neake
`
`of
`
`and
`
`at
`
`epts
`
`.
`
`GoNNary.
`
`ut a
`
`. Pavemapts
`
`en.de by the
`
`or
`
`all payments
`
`made
`
`.
`
`by
`
`the
`
`under
`
`econd Natu me
`
`.
`
`a
`
`R
`
`est h.a
`
`n
`
`nos
`
`nu
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`.
`
`or
`
`by debit
`m
`d.
`
`or
`
`shat
`or ef
`
`tpha actions
`to preserve
`to sellect
`snipunts
`owed
`
`of
`
`any
`
`rltht
`
`of
`the value
`the Prgpurtff,
`under
`the Nose Wacesse
`.
`In emescishig
`by Langle
`forbearanos
`Any
`remedy.
`Ar he or
`at a
`exercise
`me
`sad
`govenants
`. The
`8sunnil
`emI
`'t.
`.Joint
`of.Landbr.
`the suscessors
`and assigns
`nd end benefit
`pr..under
`the Notei
`Instrument
`under
`this Seourity
`ane
`opmenists
`.9errower's
`:of
`.9e
`Secretary,
`
`rements
`
`instnanent
`$1ta accurty
`few Tequiree
`appllamble
`.any sher
`eddress
`elese meg
`so to Seno.wer.
`Any
`elven a sentwer
`beari
`
`or
`
`shaB be given
`.another
`use at
`ap Bomnvers
`stated
`etidress
`for
`In this
`as
`given
`
`he
`
`as
`d
`Instrement
`Second
`SaenrIty
`Lander m y be undbla
`though
`even
`. 13.
`.1n thW .Paragraph
`restridginne
`by hehder BInt a Wolver.
`14. Foubserence
`of or
`he .a wolver
`sheH not
`remedy
`Assigna
`and
`Busonsecre
`15.
`.
`Instfement
`tNs Seemity
`of
`agreenmats
`any rights
`may not assign
`Ikurower
`that meets.
`tim
`a trust.
`to
`except
`.
`.
`and.ttruersh.
`she5 toloists
`agreemem5
`protrided.thrin
`a to nonpwer
`16 Nedesat
`Any
`firmr cIses mpt
`unfess
`g a or by wien
`It by
`direcaul
`to
`nobles
`shall
`a
`to Landershsil
`notice
`nets. Any
`nutst
`Lander
`ny edshese
`to
`st anne
`she
`
`TNt Bee
`Severmpty.
`in wNleh me Pro
`ed
`or
`the Note
`Insrument
`Instrument.
`this tisourity
`no of
`en6 as
`provIslene
`To.
`titic
`to
`enverable,
`ede confoned
`18. Berrower's
`.
`In5truin8nt.
`and
`henewer
`Lander
`covenam
`COVENANrs.
`NON-UNIItDRhI.
`and transfers
`.uncend
`essigns
`Barowes
`ìof Rents.
`19. Assignment
`I.ender's
`autherless
`. der or
`Barrower
`the Preparty.
`of
`revenuse
`sal
`fonts
`the Property
`anch.
`to
`tenant
`of
`dhedtr
`and revenusa
`and hereby
`rents
`a notIns a Borrower
`of
`prior
`Hovniver..
`agents.
`I.ender's
`ahall
`8ournwar
`.collect
`In the
`er agreernant
`covenant
`and Estrower.
`oftsmfer
`he
`an tsustee
`th.e Property
`of
`revan
`lar eddMonal
`and net an amalgnment
`assignment
`on absolute
`.ces
`till
`tel
`to Barrowers
`tiresch
`to
`of
`gives
`notlan
`If-Lender
`mmis
`to
`to be a
`of 1.aIder
`only,
`for benef4
`as trustee
`by horrower
`the rents
`We all of
`and
`be endaled
`to cotect
`I.ander
`stall
`lb)
`Instrument;
`to .I.nedhr
`sA Isrtntdue
`unpski
`shall
`tits
`pay
`of
`tenant
`arty
`esch
`. .
`to the tenant.
`Latider's
`d
`.
`written
`end w1lf not
`and .hes
`of
`emulgnment
`a rerns
`prior
`executed
`not
`he
`. 8granuar
`any
`19..
`this
`unifer
`Tts rights
`hander
`fedm 6xercising
`prevent
`that would
`perform eny set
`or
`before
`of or meInteIn
`the
`take.control
`to enter upon,
`not be sequired
`Londer.shsil
`mov do
`of breaen m Barrower.
`appointed
`t.ortifer
`or a
`lolally
`However,
`notice
`after
`ghring
`or
`default
`I not oure cr wolve.sny
`of
`rente
`ptlan
`Is a breech.
`Any
`thers
`as at any ene
`shsD
`of
`rents
`of
`the Mroperty
`. TMs
`amalgnment
`other
`tinist
`or:
`remedy
`heelldses
`any
`in.
`fulL
`le
`Insacment
`by
`amoured
`when
`the
`debt
`serminest
`easted In
`17 sA of
`terodedure.
`. .
`Bonowmir
`regabs
`to
`I.ender
`are iner.
`nay
`INs
`of
`..the Moss and undpr
`two
`under
`unpaid
`rem
`then
`payngent
`f'Inum.edlots
`for ppyinant
`any Anther
`whhant
`age at Adh hamler may
`twise
`the
`and tieve
`and
`reelease
`
`shsA be govemed
`Instrument
`that
`In the evers
`.locathd.
`eúch
`I
`appileeble
`ond be
`widch
`I
`Security
`
`law
`by Federal
`provishm or
`any
`shsil met
`conflInt
`es
`enest wthout
`to
`see
`Noes
`nt and
`
`thle
`
`and
`
`copy. of
`.
`
`and
`ThI
`
`the Nam and this
`
`fenews:
`assee
`so
`ifle
`to Leader
`st
`the
`to to ceillect
`or
`tr
`Lender
`any
`s breach
`of
`end
`ell
`rents
`rurns
`of
`ninent
`
`ahaA.be
`hehl
`. . rower
`assured
`by this Oneurity
`and .(c)
`of
`the Property;
`on
`agent
`gr Lunder's
`
`not
`
`I
`
`(BL sud NH
`(Al.
`a amount
`the en
`de thle
`. may
`umerit..
`.
`1t18%
`td tsInju oway m of
`a gawsuit
`or
`eggs, Lander
`sold. At SIs
`and
`fore
`nes
`for
`any lawsult
`
`17. Gave
`the low of
`the
`this.
`ef
`tother
`a
`confilsting
`.declared
`
`Sealpity
`
`Ogiggy. Bongwer
`
`shall
`
`be.
`
`Igben
`
`ans
`
`senew
`
`renal
`person
`
`dng
`nor me
`
`In the
`to
`Property
`
`.
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`29'fpye/"a"".-411.82E;*g?"422%
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`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`COMMITMENT/POUCY
`
`NO4WM2002..
`
`SCHBDULE"A"¿LEGALD88dRIPTION
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`I
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`.%roaz=e,ramaram
`
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`
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`3tD57 aceipt
`
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`
`..
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`.
`
`'thur
`
`lhdh5ng
`
`lawn Apdunem aml Russir R.hler afrage ilm.hal m hdim
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`equals the Regalr Set
`dat.gnedhm of
`the I.sian tigkh
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`is mig asldlS Be angstny
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`usly for de get ar·that
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`de Nugs aint eneseserity
`and mundblons see.commined is ghe 1.can Agreement.
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`daw br dign gullding
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`neiter
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`
`..,-.....,,...-
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`B.
`
`C..
`
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`
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`lamler
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`IIngdn under
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`at
`of annual prkir m an advage
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`regulm gitle evlifense of die Pngersy.
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`regr
`sul
`Ilum fruin sB annannoni,
`of
`of payman mal selener
`aslamdmigngmat
`
`

`

`FILED: SARATOGA COUNTY CLERK 03/15/2022 03:10 PM
`NYSCEF DOC. NO. 89
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 03/15/2022
`
`fu Íp ibe- Ben
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