Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 1 of 6

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA
UNITED STATES OF AMERICA,
v.
PAUL J. MANAFORT, JR.,
Defendant.

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Crim. No. 17-201-01 (ABJ)

DEFENDANT PAUL J. MANAFORT, JR.’S
MOTION TO MODIFY CONDITIONS OF RELEASE
Paul J. Manafort, Jr., by and through counsel, hereby moves the Court to modify
the conditions of release as outlined below. Counsel for Mr. Manafort and the Office of
Special Counsel (“OSC”) have conferred, and the parties agree that the conditions of
release set forth below will reasonably assure the appearance of Mr. Manafort as
required. See 18 U.S.C. Section 3142(b) and (c).
I.

Background

The current conditions of release for Mr. Manafort include, among other things, a
$10 million unsecured appearance bond, home confinement in Alexandria, VA, and GPS
monitoring.

The Court has previously indicated that it is willing to consider

modifications to the conditions of release imposed on Mr. Manafort (and the codefendant, Mr. Gates) regardless of whether the parties have reached agreement. Mr.
Manafort advises the Court that an agreed-upon bail package has been reached with the
OSC to release the Defendant from home confinement and GPS monitoring. The parties
agree that the bail package set forth below satisfy the requirements of the Bail Reform
Act.

 

1 

 Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 2 of 6

II.

Proposed Conditions of Release

The Defendant will execute an agreement to forfeit four (4) separate real
properties if there is a bail violation with a total estimated net value (i.e., fair market
value less encumbrances) of approximately $11.65 million. The OSC has agreed that the
properties posted provide the reasonable assurance required under the Bail Reform Act.
Liens will be placed on each property in favor of the Court to reasonably assure Mr.
Manafort’s appearance as required. The real estate properties, and their estimated net
asset values, are:
Jobs Lane, Bridgehampton, NY:

$4.00 million

Baxter Street, New York, NY:

$3.70 million

St. James Drive, Palm Beach Gardens, FL:

$1.25 million

Fairfax Street, Alexandria, VA:

$2.70 million

Three of these real properties are residences owned by Mr. Manafort and his wife,
Kathleen. The Baxter Street property is co-owned by Mr. Manafort, Mrs. Manafort, and
their daughter, Andrea. Documents establishing the ownership interests in these real
properties, the estimated fair market value of the realty being pledged, and any
encumbrances on the real estate (such as mortgages) have been previously provided to
the OSC for review and are attached for the Court’s consideration. (See Attachments A
through D). Where property is held jointly with another person, that individual has
agreed to execute the necessary forms to forfeit the property should Mr. Manafort not
appear as required (including a waiver of the Florida homestead exemption).

Mr.

Manafort and any joint owners also agree that they will not further encumber these
properties, and Mr. Manafort will commit to keep current on any outstanding mortgages.

 

2 

 Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 3 of 6

In addition, the Defendant has arranged for sureties on his appearance bond. Mrs.
Manafort has agreed to serve as a surety for the entire amount of the bond.

Mr.

Manafort’s daughter will serve as a surety with respect to the net asset value of the Baxter
Street property for which she is a part-owner. Immediate family members are therefore
personally responsible for substantial payments to the Court should Mr. Manafort not
appear as required and should the fair market value of the pledged properties fall below
what has been documented. These individuals have agreed to execute the required
paperwork before the appropriate official upon the Court’s approval of the modified
conditions of release. (See Attachments E, F, G and H).
The OSC has contended previously in its filings and in court that the Defendant’s
foreign travel poses a risk.

Accordingly, Mr. Manafort has agreed not to travel

internationally and not to apply for international travel documents (e.g., visas) while on
release. He has provided the OSC with all his passports. Additionally, Mrs. Manafort
has agreed to turn over her passport. The parties acknowledge that attempting to travel
internationally without the requisite documentation would be very difficult.
In terms of his domestic travel, the parties agree that Mr. Manafort will be
restricted in travel to Florida (his state of residence and where he conducts business),
Virginia (where he is currently subject to home confinement) and New York (where he
maintains a residence and conducts business). Travel to and from these locations to the
District of Columbia, where the instant case is pending, is also permissible. Travel
within the United States to other jurisdictions (e.g., for a potential business meeting)
would be permissible only upon application to and approval by the Court. Further, Mr.
Manafort agrees to report on a regular basis to the District of Columbia Pretrial Services

 

3 

 Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 4 of 6

Agency, he will provide the agency with a travel itinerary for domestic travel plans at
least 24 hours in advance of such travel with the precise dates and times, and he will
contact the Pretrial Services Agency upon departure and arrival and provide any other
information otherwise required by the agency. The parties agree that the implementation
of these conditions of release, and any other standard release conditions that the Court
may impose, will reasonably assure Mr. Manafort’s appearance as required, and that his
continued home detention in Alexandria, VA, and the attendant GPS monitoring should
be terminated.
III.

Discussion

The Bail Reform Act instructs the judicial officer to implement the “least
restrictive” condition, or combination of conditions, that will reasonably assure the
appearance of the person as required. See 18 U.S.C. Section 3142(c)(1)(B). In this
regard, it is important to note that “Section 3142 speaks only of conditions that will
“reasonably” assure appearance, not guarantee it.” United States v. Xulum, 84 F.3d 441,
443 (D.C. Cir. 1996) (per curiam).
In the case at bar, the parties have agreed that the above-identified proposed
conditions of release will reasonably assure Mr. Manafort’s appearance as required. The
OSC agrees that a package which includes “substantial financial conditions and travel
restrictions, among others” would mitigate the perceived risk of flight.

(See

Government’s Memorandum in Support of Conditions of Release, Complex Case
Designation and Notice of Intent to Use Certain Bank Records at 13). Mr. Manafort’s
current home confinement to his Alexandria residence – set during his initial appearance
in this case – was viewed as a short-term interim step by the parties as they continued to

 

4 

 Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 5 of 6

work out agreed-upon conditions of release to recommend to the Court. And, to be clear,
GPS monitoring was never sought nor requested by either party.
At this point, the parties have agreed upon the substantial financial conditions,
travel restrictions and other conditions to recommend to the Court relating to Mr.
Manafort’s pretrial release. More particularly, the Defendant (and his immediate family)
have agreed to forfeit approximately $11.65 million in real estate assets to the Court
should Mr. Manafort not appear as required. This amount is a substantial portion of the
Defendant’s assets accumulated over a lifetime of work and is $1.65 million more than
the unsecured appearance bond currently in place. These assets will not be further
encumbered during the pendency of this case and a lien in favor of the Court will be
placed on them while this matter is ongoing. In addition, the Defendant’s wife and
daughter will serve as sureties on Mr. Manafort’s appearance bond, as noted above, and
they will be personally liable should Mr. Manafort not appear as required and if there is a
diminution in the fair market value of the properties pledged.

Simply put, Mr.

Manafort’s family would face severe economic consequences if he were not to appear as
required.
In addition to the substantial financial conditions, Mr. Manafort has also agreed
with the OSC to significant travel restrictions.
internationally.

First, he will not seek to travel

Although for some this might not seem consequential, it must be

remembered that Mr. Manafort has been an international political consultant for many
years. He has substantial business and business contacts overseas, and this restriction
will undoubtedly affect his ability to secure and retain work from abroad. Second, he
agrees to limit domestic travel to Florida, Virginia, New York and the District of

 

5 

 Case 1:17-cr-00201-ABJ Document 66 Filed 11/30/17 Page 6 of 6

Columbia (where this case is pending). If Mr. Manafort has business anywhere else in
the United States, he must seek the Court’s permission to travel to that location and
obtain its approval.

Further, with respect to any permissible domestic travel, Mr.

Manafort agrees to abide by any reporting requirements imposed by this Court or a
Court-designated agency.
Both parties agree that these substantial financial conditions and travel
restrictions, in addition to any other standard conditions of release that the Court may
wish to impose, will reasonably assure the Defendant’s appearance as required. The
termination of his home confinement in Alexandria, VA, and its attendant GPS
monitoring (per Pretrial Services protocols), will permit Mr. Manafort to conduct his
business and mount his defense of this case.
WHEREFORE, Defendant Manafort moves to modify his current conditions of
release as outlined above.
Dated: November 28, 2017

Respectfully submitted,

______________________________
Kevin M. Downing
(DC Bar # 1013984)
Thomas E. Zehnle
(DC Bar #415556)
815 Connecticut Avenue
Suite 730
Washington, DC 20006
(202) 754-1992

 

6 

 UNITED STATES OF AMERICA

Case Document 66-1 Filed 11/30/17 Page 1 0f475 
Rev. 7/87

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA

APPLICATION TO PLEDGE REAL mommy T0 gamma RELEASE on BOND

v. Criminal Number (AB3)



 

Name(s) of persnnis} offering real property for appearance or
surety bonds: 

3 umm?fbri?zc> 

 

Address(es): I7kf 30b; 

 

 

Location cf property offered (address and brief aescription

of property}: 
171+ Saks ?gm?cjt Lawmebn; NY (5??ik Lukatln, ?wm)

 

 

Pex$on{s) and addr?ss(es) in whose name property is assessed:

\7Lf S095 HY

 

 

martgage, lieng. encumbxances bf any kind 0n BuCh proparty
and the intereSt held in gush property by anyone other than
the person(s} in whose name the property is assessed:

F1A?rk\ 

 

 

Assassed value of property: :3 5700, {?200
Mortgage, liens, ehcumbrances 0r mfher interests (tatal)

5 ?1,300, ?300

(ever)

Case Document 66-1 Filed 11/30/17 Page 2 of 75

81 Net assesse& value of property (line 6 less line 
bf, 000, 00 E)

9. Ameunt requirad fer appearance or surety bonds:

- 5?4 khakiirn?w

 

 

There must be attached t0 this farm a, Certificate? ?rm the
yhssassor?s Office df the Distritt of Columbia, indicating' the
square Emui lat numbers, stre?t a??ress, current assassed value,
and in whcse name the groperty is asse?sed.

If the amcunt shown on line 8 {listed abova) axaeads that
shown an line 9 then the property; if qualifiers. in all other:
raspacts, i5 adequata to secura the band in questionAFFIDAVIT IN SUPPORT TO APPLICATIUN TD PLEDGE REAL- PROPERTY TD
SECURE RELEASE OF DEFERDANT ON BOND

I daclare undar' panalty* of perjury that the? information
an this ayplicaticn is true and surfact.

I 6190 warrant under oath that, subsequent t0 tha axecutinn
of dead 0f truSt on the prayerty degcribed in this application
to secure the re-lease 

Mawam?bf'f? If.
and priar to racordation of said deed no other dee? of any kind
will be exacutad by me or will this prayerty be'further enaumbered

in any way.

Witness my hand and seal

 

Subscribad an? sworn to befora me this day of 
19 

 

CLERK, v.5. DISTRICT COURT

Case Document 66-1 Filed 11/30/17 Page 3 of 75

AD mil (Rem m9} Agreement to Fasten Real Pmpeny to Obtain a Defendant?s Release

 
 

          

MW in

UNITED STATES DISTRICT COURT 
forthc ?175%ch of Cal ml) 

WMm?uwm

:7 am?- 01 (RBI)

United States of America

pawl I 

Defendant

CascNo.

AGREEMENT TO FORFEIT REAL PROPERTY TO OBTAIN A RELEASE

To obtain the defendant's release, we jointly and severally agrge?to forfeit 111% following property to the United States
of America ifthis defendant fails :0 appear as required for any?court proce?ding service Ofany sentence? imposed
as may be noticed or ordered'by any-court conkidering this matt?r, of falls rocdmp'ly with" any conditions nfr?l?ase set'b'y
the court (describe prepay! and any clam. ?an, mortgage. 'or other encumbrance on ii}:

 7Ll jobs Lame. New york as
More. {h oft-lacLLecQ Dae?L

M?V+3aja +0 F2&ara.l 5?wa '5 Bank ala?l?ch
November Mo, 201a. 

Ownership. We dtclarc uncles? penalty df?perjury that wearer-this prope?yfs ammonium and that 
to any claim, lien, mortgage, or other encumbrance; except; abavg. We promise'inot to sell, or
otherwise enCumber the property,'or (loam/thing to reduce its rvaluc?whiie this agr?cz??ht ism effect." We deposit With the
count the following ownership docm'nents, including-any encumbrance documents met a?dacumnt: affachmemsjl

l. Deeal oQa?b?aol Nov. 9,20%
2. Mor?fgacj?? Nov. Zol?

3 Appraisal

Surety Ir?ma?on We understand that the court and the united States of America will rely on ?16me
information in approving this agreement.

Conditions of?elease. We?state. that we have either reaa an court-ordered conditions val" rcl?ase imposed on the
defendant or had them explained to us.

Continuing Agreemem. Unless the court orders otherwise, this-agreement remains in effect during. any appeal or
miter review until the defendant. has satis?ed all court notices, orders, and conditions.

Exoneratian afSureties. This agreement issa?s?ed and ends-if :he'd?fendant is-e?xonerated mall charges. er, if
convicted, the defendant reports ta serve any sentence impase?d. 

Fozf?imre. Ifthre defendant falls to obey all conditions. of M3356, court notices, and orderslo appear, the court
will immediately order the properly-forfeited and extraction oftheUnited'States ofAmcrica'may'ordcr ajudgmem cf
forfeiture against the signing partiES and their representatives, jointly and s?erally,rincluding interest and com.

Case Document 66-1 Filed 11/30/17 Page 4 of 75

Pig: 2 a? 2

A0 109 {Rev to Ferfeit Real Fmperty Obtain a Defendant?s Edam

.wwq 

       

I swear under penalty ofperjury that the abbve infemsation is true and agree to the conditions of?this' agreement.

Date:

 

 

De?ndant (it'd pramrry gamer}

City and state:

 

 
   

Managua-"f

Praperw mar '3 pn? .1 ed name Properly mmer ?5 signature

 

Prapew owner is printed name Pmperay owner 15' signature

 

 

Propeny '5 printed name Praperw owner ?5 signature

Swom and signed befcre me. 7
CLERK (DP-COURT

 

 

 

 

Date:
Signamra ofCler-k'ar Deputy Clerk

Agreement accepted. 

WITED STA TES OF AMERICA
Date:

Assistant {fairedStmes Aaramey ?3 signature

Agreement appmved.
Date:

 

 

Jadga ?xsignamra

Case Document 66-1 Filed 11/30/17 Page 5 of 75

174 Jobs Lane, Bridgehampton, NY

DEED

Case Document 66-1 Filed 11/30/17 Page 6 of 75

Bargain and Sale Deed, with Covenant against Grantor?s Acts
THIS INDENTURE, made the 9mm of November, two thousand and sixteen

BETWEEN Kathleen B. Manafmt, 10 St. James Drive, Palm Beach Gardens, Florida 33418

party of the first part, and

Summerbreeze, LLC. 10 St. James Drive, Palm Beach Gardens, Florida 33418

party of the second part,

WITNESSETH, that the party of the ?rst part, in consideration of Ten of 1a and other
valuable consideration paid by the party of the second part, does hereby grant and release unto the
party of the second part, the heirs or successors and assigns of the part of the second part forever,

ALL that certain plot, piece or parcel of land, with the buildings and improvements thereon erected,
situate, lying and being in the Town of Southampton, Sullfok County, State of New York, previously
recorded at Section 134.00, Block 01.00, Lot 048.006 as set forth more speci?cally in Schedule A

annexed hereto and make part herein.

TOGETHER with all right, title and interest, if any, of the party of the ?rst part in and to any
streets and roads abutting the above described premises to the center lines thereof;

TOGETHER with the appurtenances and all the estate and rights of the party of the ?rst part in and
to said premises; TO HAVE AND TO HOLD the premises herein granted unto the party of the
second part, the heirs or successors and assigns of the'party of the second part forever,

AND the party of the ?rst part covenants that the party of the ?rst part has not done or suffered
anything whereby the said premises have been encumbered in any way whatever, except as

aforesaid.

AND the party of the ?rst part, in compliance with Section 13 of the Lien Law, covenants that the
party of the ?rst part will receive the consideration for this conveyance and wiil hold the right to
receive such consideration as a trust fund to be applied first for the purpose of paying the cost of
the improvement and will apply the Same ?rst to the payment of the cost of the improvement before
using any part of the total of the same for any other purpose. The word "party" shall be construed
as if it read "parties" whenever the sense of this indenture so requires.

IN WITNESS WHEREOF, the party of the first part has duly executed this deed the day and year

?rst above written. In presence of:

. . . Karate? K-r
Fll?St American Fa

Title Insurance Company
of New York

 

Case Document 66-1 Filed 11/30/17 Page 7 of 75




OF NEW YORK 

 

ss.:
COUNTY OF 
On the day of in the year
before me, the undersigned, personally
appeared 

personally known to me or proved to me on the basis of
satisfactory evidence to be the individual(s) whose
name(s) is (are) subscribed to the within instrument and
acknowledged to me that he/she/they executed the same
in his/her/their capacity(ies), and that by his/her/their
signature(s) on the instrument, the individual(s), or the
person upon behalf of which the_individual(s) acted,
executed the instrument. 

 

Signature and Of?ce of
'Individual taking acknowledgement

For acknowledgements taken in New York State.

OF NEW YORK 

53.:
COUNTY OF 
On the day of in the year
before me, the undersigned, personally
appeared - 

 

personally known to me or proved to me on the basis of
satisfactory evidence to be the individual(s) whose
name(s) is (are) subscribed to the within instrument and
acknowledged to me that he/she/they executed the same
in his/her/their capacity(ies), and that by his/her/their
signature(s) on the instrument, the individual(s), or the
person upon behalf of which the individual(s) acted,
executed the instrument.

 

Signature and Office of
Individual taking acknowledgement

State, District of Columbia, Territory, Possession, or Foreign Country

[Okim Bfm/d/t 

before me, the undersigned, personally

On the Zia day of ?d'vayn/U/k in the year an IQ
appeared 08W 6 . 1171/ known to me or proved to me on the basis of

satisfactory evidence to be the individualfs) whose name(s) is (are) subscribed to the within instrument and
acknowledged to me that he/she/they executed the same in his/her/their capacity(ies), and that by his/her/their
signature(s) on the instrument, the individual(s), or the person upon behalf of which the individua1(s) acted,

ecuted the inztrument, and that such?individual made such appearance before the undersigned in the

Mm View

other place the acknowledgement was taken.)

For acknowledgements taken outside New York State.

 

kComv Ftomdm- (Insert the city or other political subdivision and the state or country or

fignatur?e and Of?ce of
__Indvdi'ual tankig ackonwledgeinent

gate LOUIS MONTALBANO i
5 a} .2 ol Florlda 
(1 53.; My Comm. Expires Aug 22. 20173"
Commission at! FF 038473

q. .
I
055; F639
"1 
?rm-ya,- . yum," .

 

.. ii

Title Insurance Company
ofNeW York

Case Document 66-1 Filed 11/30/17 Page 8 of 75

 
 

Fidelity National Title Ins?rance Company

  

 

. . 

ALL that certain plot, piece or parcel of land, situate, lying and being at Mecox, 1n the Town of Southampton, County of Suffolk
and State of New York, known and designated as Lot No. 2 on a certain subdivision map entitled, ?Minor Subdivision Map for . ~r 
Cidney Farms?, being more particularly bounded and described as follows; -

BEGINNING at a point on the westerly side of Jobs Lane which point is situate South 49 degrees 15 minutes 00 seconds WeSt

17.30 17 feet more or less from the intersection of the southerly line of Mecox Road and the westerly line of Jobs Lane and
which point is also situate 49.17 feet from the southerly line of land now or formerly of Niuta S. Titus; . - 

RUNNING THENCE North 64 degrees 30 minutes 00 seconds West 569 18 feet;

?10
'r

. RUNNING THENCE South 25 degrees 31 minute's 17 seconds West 348 78 feet to land now or formerly of S. H. Talmage
RUNNING THENCE along the last rnentioned land North 64 degrees 28 minutes 43 seconds West 260 00 feet; - 1 5
. RUNNING THENCE North 25 degrees 31 minutes 17 seconds East 338.70 feet; it 
RUNNING THENCE along that-arc of?i?gre'gular' curve to the??ghtj?ymga radiUS 6F25?00?6etg a distanbe of 39.26 feet;

THENCE South 64 degrees 30 minutes 00 seconds East 810 78 feet to the wesieirly-iside of Jobs Lane;



RUNNING THENCE along the westerly side 'of Jobs. Lane South 49 degrees 1:5 rn-inutes 00 seconds West 16.39 feet to theupornt
:1 or place of BEGINNINGTHE POLICY TO BE ISSUED under this Commitment will insure the title to such buildings and improvements on the premises
which by law constitute real property 1

- CONVEYANCING ONLY: Together with all the right title and interest of the party of the f? part of in and to the land
lying tn the street in ?'ont of and adjoining saidpremises. .

(Description)

Case Document 66-1 Filed 11/30/17 Page 9 of 75

 

 

174 Jobs Lane, Bridgehampton, NY

MORTGAGE

Case Document 66-1 Filed 11/30/17 Page 10 of 75

Loan Number 1010001429

When recorded, return to:

The Federal Savingo Bank

Attn: Final Document Department
306 North Elizabeth Street, Suite 3E
Chicago. iL 60607

Title 0 rder N0.: 

Escrow No; 

LOAN 1010001429

{SpncoAbovo This Lino Data]

 

MORTGAGE

A Borrower, a New York limited liability company, has executed a Promissory Note in connection herewith
and made payable to the order of Leader In an amount of Nine Million Five Hundred Thousand Dollars
plus interest at the rate provided therein (the ?Note";

Borrower desires to secure the prompt payment ofthc indebtedness and intemt evidenced by the Note, the
repayment of any advances made pursuant to this Mortgage, with Internet thereon, and the due prompt
and complete observance, performance and discharge of each and every obligation, covenant and
agreement set forth in the Note. in this Mortgage, and in any other Loan Documents (as hereinafter
de?ned). For purposm of this Mortgage. the Note and any documents executed or delivered in connection
with the Note are referred to collectively herein as the ?loan Document? provided, however, any
environmental indemnity or environmentai indemnity agreement. executed by Borrower or any other
persons in connection with the Loan, shall in no event constitute a Loan Document for purposes of this

Mortgage.
MORTGAGE
WORDS USED OFTEN IN THIS DOCUMENT -
(A) "Security Instrument." This document. which is dated November 16,-2016. together with all Riders to this .

document. will be called the ?Security instrument.?
(B) ?Borrower." SUMMERBREEZE. LLC.

whose address is 010 BRUCE E. BALDINGER. ESQ, 43 WEST 43?? ST, SUITE 141. NEW YORK. NY 10036,
sometimes will be called ?Borrower" and sometimes simply or 

(C) "Lander" is THE FEDERAL SAVINGS BANK and Lender?s successors and assigns. Lender is a FEDERAL
SAVINGS BANK organized and existing under the laws of the UNITED STATES OF AMERICA. Lender's address is 300

N. ELIZABETH ST. SUITE 3E, CHICAGO, IL 60607. Lender is the mortgagee under this Security instrument.

(D) "Note." The note signed by Borrower and dated November 16. 2016, will be called the "Note." The Note

Case 1: 17 -cr- 00201 ABJ Document 66- 1 Filed 11/30/17 Page 11 of? 75

LOAN 1010001429
shows that i owe Lender NINE MILLION FIVE HUNDRED THOUSAND AND 001100 Doliars ?3

500. 000. 00)
plus Interest and other amounts that may be payable. have promised to pay this debt in Periodic Payments and to pay

the debt in full by December 1, 2048.

(E) "Property." The property that is described below in the section titled ?Description of the Property.? will be calied the
"Property.?
(F) "Loan." The "Loan" means the debt evidenced by the Note. plus interest, late charges due under the Note. and all
sums due under this Security instrument. plus interest.
(G) "Sums Secured." The amounts described below in the section titled "Borrower?s Transfer to Lender of Rights in the
Property? sometimes wilt be cailed the "Sums Secured."
i ?Riders." All Riders attached to this Security instrument that are signed by Borrower will be caiied "Riders." The
foliowlng Riders are to be signed Borrower {check box as a licabte]:

diiustabie Rate Rider . Condominium Rider Second Home Rider

thor
(J) "Applicable Law." All controlling applicable federal, state and local statutes, regulations. ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable ?nal. opinions
wili be called "Applicable Law.?
(K) "Community Association Dues, Fees, and Assessments."Aiidues.fees. assessments and other cha rges thatare
imposed on Borrower or the Property by a condominium association. homeowners association or similar organization will
be called "Community Association Dues. Fees. and Assessments."
(1.) "Electronic Funds Transfer." ?Electronic Funds Transfer' means any transfer of money. other than by check. draft.
orsimilarpaperinstrument. which is initiated through an computer. or magnetic
tape so as to order. instruct, or authorize a ?nancial institution to debit or credit an account. Some common examples of
an Electronic Funds Transfer are point-of?sale transfers (where a card such as an asset or debit card is used at a mer-
chant). automated teller machine {or ATM) transactions. transfers initiated by telephone. wire transfers. and automated

(M) "Escrow items." Those items thatare described in Section 3 will be caiied ?Escrow items."
(N) "Miscellaneous Proceeds." ?Miscellaneous Proceeds? means any compensation. settlement. award of damages.
or proceeds paid by any third party (other than insurance Proceeds as de?ned in. and paid underthe coverage described
in Section 5) for: damage to, or destruction of. the Property; (in Condemnation or other taking ofali or any part of the
Property; conveyance in lieu of Condemnation or sale to avoid Condemnation; or (iv) misrepresentations of. or omis-
sions as to. thavatue and/or condition of the Property.Ataking of the Property by any governmental authority by eminent
domain is known as "Condemnation."
"Mortgage insurance." "Mortgage insurance? means insurance protecting Lender against the nonpayment of. or
default on. the Loan.
(P) "Periodic Payment." The regularly scheduled amountdue for (I) principal and interest under the Note. and {ii} any
amOunts under Section 3 wii! be called ?Periodic Payment."
(Q) ?RESPA"means the Real Estate Settlement Procedures Act (1 2 U.S.C. {52601 etseq.) and its im piementing
regulation. Regulation (12 CPR. Part 1024). as they might be amended from time to time. or any additional or succes-
sor legislation or regulation that governs the same subject matter. As used in this Security instrument. refers to
all requirements and restrictions that are imposed in regard to a ?federally related mortgage loan" even if the Loan does
not qualify as a ?federally related mortgage loan" under RESPA.
(R) "Secretary" means the Secretary of the United States Department of Housing and Urban Development or his
designee.
(5) ?Deposit Account Agreement" shall mean that certain Deposit Account and Security Agreement [Borrower's Funds
Account) of even date herewith. providing Lender with a ?rst iien security interest in the Borrower?s Funds Account and the
?Pledged Funds? (as de?ned in the Deposit Account Agreement [Borrower?s Funds Accountl) deposited therein.
(T) ?Additional Collateral" shaii mean $630. 000 00 to be deposited by Borrower into the Borrower?s Funds Account to be
held by Lender as additional security for the Note.

OF THE PROPERTY
i give Lender and Lender?s successors and assigns rights in the Property described in
(A) through (G) below:
(A) The Property which is located at 174 JOBS LANE. BRIDGEHAMPTON.
[Street] (City. Town or Village]

New York 11976
[Zip Code]
This Property is in SUFFOLK County. it has the followingiegai description:

SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS 
AFN Sec: 134.00 Block: 01.00 Lot-48.006

Case Document 66-1 Filed 11/30/17 Page 12 of 75 .

?re/511+ fl

FIDELITY NATIONAL TITLE INSURANCE COMPANY
TITLE N0.: 

 

SCHEDULE A - Part 1

DESCRIPTION

ALL that certain plot, piece or parcel of land, situate, lying and being at Mecox, in the Town of
Southampton, County of Suffolk and State of New York, known and designated as Lot No. 2 on a certain
subdivision map entitled, ?Minor Subdivision Map for Cidney Farms?, being more particularly bounded
and described as follows:

BEGINNING at a point on the westerly side of Jobs Lane which point is situate South 49 degrees 15
minutes 00 seconds West 1730.17 feet more or less from the intersection of the southerly line of Mecox
Road and the westerly line of Jobs Lane and which point is also situate 49.l7 feet from the southerly line
of land now or formerly ofNiuta S. Titus;

RUNNING THENCE North 64 degrees 30 minutes 00 seconds West 569-18 feet;

RUNNING THENCE South 25 degrees 3] minutes l7 seconds West 348.78 feet to land now or formerly
of SB. Talmage; 

RUNNING THENCE along the last mentioned land North 64 degrees 28 minutes 43 seconds West
260.00 feet;

RUNNING THENCE North 25 degrees 3l minutes 17 seconds East 338.70 feet;

RUNNING THENCE along the arc of a regular curve to the right, having a radius of 25.00 feet, a
distance of 39.26 feet;

THENCE South 64 degrees 30 minutes 00 seconds East 810.78 feet to the westerly side of Jobs Lane;

RUNNING THENCE along the westerly side of Jobs Lane South 49 degrees l5 minutes 00 seconds
West, 16.39 feet to the point or place of BEGINNING-

SCHED ULEA-I (DESCRIPTIOM



 

Case 1: 17 c?r- 00201 ABJ Document 66- 1 Filed 11/30/17 Page 13 of 75

LOAN #:1010001429
(B) All buildings and otherimprovements that are located on the Property described In subsection (A) ofthis section;
(C) All rights in other properly that I have as owner of the Property described in subsection (A) ofthis section. These
rights are known as ?easements and appurtenances attached to the Property;"
(0) All' rights that I have in the land which lies in the streets or roads In front of. or next to the Property described in
subsection (A) ofthis section;
(E) Ail ?xtures that are now or in the future will be on the Property described' In subsections (A) and (B) of this section;
(F) All ofthe rights and property described' In subsections (B) through (E) of this section that I acquire in the future; and
All replacements of or additions to the Property described in subsections (B) through (F) of this section and sit
Insurance Proceeds for loss or damage to, and all-Miscellaneous Proceeds ofthe Property described in subsections
(A) though (F) of this section.

RIGHT ro MORTGAGE THE PROPERTY AND OBLIGATION To DEFEND OWNER-
SHIP OF THEPROPERTY

i promise that: (A) i lawfully own the Property; (B) i have the right to mortgage. grant and convey the Property to Lender;
and (0) there are no outstanding claims or charges against the Property. except forthose which are of public record.

I give a general warranty of title to Lender. This means that i will be fully responsible for any losses which Lender suffers
because someone otherthan myself has some of the rights in the Property which i promise that have. i promise that
lwili defend my ownership of the Property against any claims of such rights.

PLAIN LANGUAGE SECURITY 

This Security instrument contains promises and agreements that are used in real property security instruments allover
the country. It also contains other promises and agreements that vary In different parts of the country. My promises and
agreements are stated in "plain ianguage.?

COVENANTS.
i promise and i agree with Lender as follows:

Borrower's Promise to Pay. I will pay to Lender on time principai and interest due under the Note and late
charges and other amounts due underthe Note. i will also pay ail amounts for Escrow items under Section 3 of this Security
instrument.

Payments due underthe Note and this Security Instrument shall be made in U.S. currenCy. if any of my payments by
check or other payment instrument is returned to Lender unpaid, Lender may require my payment be made by: cash;
money order; to) codi?ed check. bank check. treasurers check pr cashier?s check. drawn upon an institution whose
deposits are insured by a federal agency. or entity; or Electronic Funds Transfer.

Payments are deemed received by Lender when received at the iocation required in the Note. or at another location
designated by Lender under Section 14 of this Security Instrument. Lender may return or accept any payment or partial
payment if it is for an amount that is less than the amount that is then due. if Lender accepts a lesser payment. Lender
may refuse to accept a iesser payment that I may make in the future and does not waive any of its rights. Lender is not:
obligated to apply such lesser payments when it accepts such payments. tfinterest on principal accrues as ifail Periodic
Payments had been paid when due. then Lender need notpay interest onunappiied funds. Lender may hold such unap-
piied funds until I make payments to bring the Loan current. it! do not do so within a reasonable period oftime. Lender
will either apply such funds or return them to me. in the event of foreclosure, any unapplied funds will be applied to the
outstanding principal balance immediately prior to foreclosure. No offset or claim which have now or in the future
against Lender will relieve me from making payments due under the Note and this Security instrument or keeping all of
my other promises and agreements secured by this Security Instrument.

2. Application of Borrower?s Payments and insurance Proceeds. Unless App?cabie Law or this Section 2 requires
otherwise. Lender will apply each of my payments that Lender accepts in the following order.

First. to the Mortgage insurance premiums to be paid by Lender to the Secretary or the the charge by the
Secretary instead of the mortgage insurance premiums: 

Second. to any taxes, special assessments. leasehold payments or ground rents, and fire. food and other hazard
insurance premiums. as required;

Third. to interest due-under the Note;

Fourth, to amortization of the principal ofthe Note; and,

Fifth. to late charges due under the Note.

If Lender receives a payment from me for a late Periodic Paymentwhich inciudes a sufficient am?ountto pay any late
charge due. the payment may be applied to the late Periodic Payment and the late charge. It more than one Periodic Pay-
ment is due, Lender may apply any payment received from me: First, to the repayment of the Periodic Payments that are
due if. and to the extent that. each payment can be paid in full; Next, to the extent that any excess exists after the payment
is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due.

Any application of payments, Insurance Proceeds. or Miscellaneous Proceeds to principal due under the Note will
not extend or postpone the due date of the Periodic Payments or change the amount of those payments.

3. Payments For Taxes Andinsurance.

Borrower's Obligations. twill payto Lender on the day Periodic Payments are due underthe Note. until the Note
is paid in full. a sum to provide for payment of amounts due for: taxes and assessments and other items which can
attain priority over this Security instrument as a lien or encumbrance on the Property; leasehold payments or ground
rents on the Property. if any; to) premiums for any and sit insurance required by Lender under Section 5; and Mortgage
-Insurance premiums to be paid by Lender to the Secretary or the charge by the Secretary instead ofthe 
Mortgage Insurance premiums. These items are called "Escrow lterns.?At origination or at any time during the term ofthe
Loan. Lender may require that Community Association Dues. Fees. and Assessments. If any, be escrowed by Borrower.
and such dues. fees and assessments shall be an Escrow Item.

After signing the Note. oratany time during its term, Lendermay include these amounts as Escrow items. The 
payment i will make for Escrow Items will be based on Lender's estimate of the annual amount required.

 

Case 1: 17- -cr- -00201- Document 66- 1 Filed 11/30/17 Page 14 of 75

.. 

LOAN #:1010001429

I will pay all of these amounts to Lender unless Lender tells me. in writing. that I do not have to do so. or uniess
Applicable Law requires otherwise. will make these payments on the same day that my Periodic Payments of principal
and Interest are due underthe Note.

The amounts that! pay to Lender for Escrow Items under this Section 3 will be called "Escrow Funds.? I will pay
Lender the Escrow Funds for Escrow Items unless Lender waives my obligation to pay the Escrow Funds for any or all
Escrow items. Lender may waive my obligation to pay to Lender Escrow Funds for any or all Escrow Items at any time.
Any such waivermust be in writing. In the event of such waiver. I will pay directly, when and where payable. the amounts
due for any Escrow Items for which payment of Escrow Funds has been waived by Lender and. if Lender requires. will
send to Lender receipts showing such payment within such time period as Lender may require. My obligation 
to make such payments and to provide receipts will be considered to be a promise and agreement contained in this
Security instrument. as the phrase "promises and agreements? is used in Section 9 of this Security Instrument. Itl am
obligated to pay Escrow Items directly, pursuant to a waiver. and I fail to pay the amount due for an Escrow Item. Lender
may pay thatamcunt and I will then be obtigated under Section 9 of this Security Instrument to repay to Lender. Lender
may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 14 of
this Security instrument and. upon the revocation. twill pay to Lender all Escrow Funds. and in amounts. that are then
required under this Section 3-

I promise to send to Lender any notices that I receive of Escrow Item amounts to be paid. Lender will estimate
from time to time the amount of Escrow Funds I will have to payby using existing assessments and bills and reasonable
estimates of the amount I will have to pay for Escrow items in the future. unless Applicable Law requires Lender to use
another method for determining the amount I am to pay.

Lender may. at any time. collectand hold Escrow Funds in an amount sufficientto permit Lender to apply the Escrow
Funds at the time speci?ed under RESPA. Applicable Law puts limits on the total amount of Escrow Funds Lender can
at any time cotlect and hold. This total amount cannot be more than the maximum amount a lender could require under
RESPA. If there is another Applicable Law that imposes a lower limit on the total amount of Escrow Funds Lender can
collect and hold. Lender will be limited to the lower amount.

(bi Lender?s Obligations. Lenderwill keep the Escrow Funds in a savings or banking Institution which has its depos-
its insured by a federal agency. instrumentality. or entity. or in any Federal Home Loan Bank. It Lenderls such a savings
or banking institution. Lender may hold the Escrow Funds. Lender wlli use the Escrow Funds to pay the Escrow Items
no later than the time allowed under RESPA or other Applicable Law. Lender will give to me. without charge. an annual
accounting of the Escrow Funds. ~that accounting will show all additions to and deductions from the Escrow Funds and
the reason for each deduction.

Lender may not charge me for holding or keeping the Escrow Funds. for using the Escrow Funds to pay Escrow
Items. for making a yearly analysis of my payment of Escrow Funds or for receiving. or for verifying and totaling assess-
ments and bills. However. Lender may charge me iorthese services If Lender pays me interest on the Escrow Funds and
iprpIIcahIe Law permits Lender to make such a charge. Lender will not be required to pay me any interest or earnings
on the Escrow Funds unless eithert1)Lender and i agree in writing that Lender will pay Interest on the Escrow Funds. or
(2) Applicable Law requires Lender to pay Interest on the Escrow Funds.

to) Adjustments to the Escrow Funds. Under Applicable Law. there Is a limit on the amount of Escrow Funds
Lender may hold if the amount of Escrow Funds held by Lender exceeds this limit. then there will be an excess amount
and RESPA requires Lender to account to me in a special manner for the excess amount of Escrow Funds.

If. at any time. Lender has not received enough Escrow Funds to make the payments of Escrow Items when the
payments are due. Lender may tell me in writing that an additional amount is necessary. I will pay to Lender whatever
additional amount is necessary to pay the Escrow Items when the payments are due. but the number of payments will
not be more than 12.

When lhave paid all of the Sums Secured. Lenderwill refund to me any Escrow Funds that are then being
held by Lender.

De?g?eucigs. In no event shall Lender be required to disburse any amount which, ?in Leuder'sreasouable opinion. will
either (3) reduce the total undisbursed amount of the Lou below the amount necessary to pay for the balance of the work, labor
and materials necessary to fully complete construction of the Improvements and the payment of all costs in connection
therewith, or reduce the uudlsbursed amount of Loan proceeds allocated to the costs described in any cost category set forth 
in the Project Budget or in any schedule ofvntuos approved by Lender below the amount which Lender, in Lendu? 5 reasonable
opinion. deems suf?cient to pay In full the costs to which such amount ls allocated (the de?ciencies described' In clauses and
of this sentence being hereinafter collectively referred to as a ?Loan De?ciency?)

Borrower hereby agrees that if Louder reasonably determines that a Loan De?ciency exists, Borrower shall, upon ?ve (5) Business
Days? written notice from Lender, either:

a) deposit with Lender in the Borrower?s Funds Account the amount that Lender, in its reasonable opinion. deems
necessary to pay for the balance of the costs of completing the construction of the Improvements or the costs In the cost
category described in the Project Budget or in any such schedule of values, as the case may be, less the undisbursed
amount of the Loan or undisburscd portion thereof under the cost category In question, or

b) furnish Lender with paid invoices, bills and receipts indicating that Borrower has paid, from Borrower?s own funds, the

costs of completing the construction of the Improvements or the costs In the cost category in question, as the case may
be, in a suf?cient amount to make the undisbursed amount of the Loan or the undisbursed portion thereof under the
cost category in question suf?cient to pay for the entire balance of the costs of completing the construction of the
Improvements or the entire balance of the costs In such cost category, as the case may be.

All amounts deposited by Borrower pursuant to this Section 3(d) shall be disbursed in accordance with the terms of this Agreement
for the payment of the cost or construction of the Improvements prior to any further disbursement of the Loan. Notwithstanding
anything to the contrary set forth In this section. in determining the [can De?ciency, Lender. at its option, may determine what sums
are available by realiomting between speci?c line items of the Project Budget, and Lender may also review the amount of any
boldback before requesting that any sum be paid by Borrower under this section.

4. Borrower's Obligation to Pay Charges, Assessments And Claims. I will pay all taxes.assess'ments. water
charges. sewer rents and other similar charges. and any other charges and lines that may be Imposed on the Property 
and that may be superior to this Security Instrument. I will also make ground rents or payments due under my lease if
I am a tenanton the Property and CommunityAssociation Dues. Fees. and Assessments Gfany) due on the Property. If
these Items are Escrow items. Ilwili do this by making the payments as described in Section 3 of this Security Instrument.

 

Case Document 66-1 Filed 11/30/17 Page 15 of 75

. . LOAN 1010001429
in this Security Instrument. the word ?Person? means any individual. organization. governmental authority or other party.

i will pay or satisfy all Liens Property that may be superior to this Security instrument. However,
this Security not require me to satisfy a superior Lien if: i agree. in writing. to paythe obligation which
gave rise to the superior Lion and Lenderapproves the way in which i agree to pay thatobllgatlon. butoniy so long as i am
performing such agreement; in good faith. argue or defend against the superior Lien in a lawsuit so that in Lender's
opinion, during the lawsuit. the superior Lien may not be enforced. but only until the lawsuit ends; or lsecure from the
holder of that other Lien an agreement. approved In writing by Lender. that the Lien ofthis Security instrument is superior
to the Lien held by that Person. if Lender determines that any part of the Property is subject to a superior Lien, Lender
may give Borrower a notice identifying the superior Lien. Within 10 days ofthe date on which the notice is given. Borrower
shall pay or satisfy the superior Lien ortake one or more ofthe actions mentioned in this Section 4.

5. Borrower?s Obligation to Maintain Hazard Insurance or Preperty insurance. i will obtain hazard or property
insurance to coverall buildings and other improvements that now are. or in the future will be. located on the Property. The
insurance will coverioss or damage caused by fire. hazards normally covered by "Extended Coverage" hazard insurance
policies. and any other hazards for which Lender requires coverage. including. but not limited to earthquakes and foods.?
The insurance will be in the amounts (including, butnot limited to, deductible levels) and forthe periods of time required by
Lender. What Lender requires under the East sentence can change during the term of the Loan. I may choose the insurance
company, butmy choice is subject to Lender's right to disapprove. Lender may notdisapprove my choice unless the disap-
proval is reasonable. Lender may require me to pay either a one-time charge for food zone determination. certi?cation and
tract-ting services. crib) a onetime charge forfood zone determination and certi?cation services and subsequent charges
each time remappings or similar changes occur which reasonath might affect the food zone determination or certi?cation. if
i disagree with the food zone determination. i may request the Federal Emergency ManagementAgency to review the food
zone determination and i promise to pay any fees charged by the Federal Emergency ManagementAgency for its review.

if i felt to maintain any of the insurance coverages described above. Lender may obtain insurance coverage. at
Lender's option and my expense. Lender is under no obligation to purchase any particular type or amount of coverage.
Therefore. such coverage will coverLender, but might or might not protect me. my equity in the Property. or the contents
oi the Property. against any risk. hazard or liability and might provide greater _or lesser coverage than was previously in
effect. acknowledge that the cost of the lnsUrance coverage 50 obtained might signi?cantly exceed the cost of insur~
once that i could have obtained. Any amounts disbursed by Lender under this Section 5 will become my additional debt
secured by this Security instrument. These amounts will bear interest at the interest rate set forth in the Note from the
date of disbursement and will be payable with such interest, upon notice from Lender to me requesting payment.

All ofthe insurance policies and renewals ofthoss policies will lncludewhatis known as a "Standard Mortgage Ciause"
to protect Lender and witi name Lender as mortgagee and/or as an additional loss payee. The form of all policies and
renewals will be acceptable to Lender. Lender will have the right to hold the policies and renewal certi?cates. lf Lender
requires. i will give Lender all receipts of paid premiums and renewal notices that i receive.

if i obtain any form of insurance coverage. not otherwise required by Lender. for damageto. ordestruction of. the Property.

such policy will include a Standard Mortgage Clause and will name Le nder as mortgagee andlor as an additionai loss payee.

. lfthe're is a loss ordarnage to the Property. lwill notify the insurance company and Lender. If I do not 
prove to the insurance company thatthe loss or damage occurred. then Lender may do so.

The amount paid bythe insurance company for loss or dam age to the Property is called "Insurance Proceeds.? Uniess
Lender and i otherwise agree in writing. any insurance Proceeds. whether or not the underlying insurance was required
by Lender. will be used to repair orto restore the damaged Property unless: it is not economically feasible to make the
repairs or restoration; the use of the insurance Proceeds lorthat purpose would lessen the protection given to Lender
by this Security instrument: or Lender and have agreed in writing not to use the insurance Proceeds forthat purpose.

During the period thatany repairs or restorations are being made. Lendermay hold any Insurance Proceeds until it has had
an opportunity to inspect the Property to verify that the repairwork has been completed to Lender?s satisfaction. However.
this inepection will be done Lender may make payments for the repairs and restorations in a single payment or
in a series otprogress payments as the work is completed. Unless Lender and lagree otherwise In writing or unless Appli?
cable Law requires otherwise. Lender is not required to pay me any interest or earnings on the insurance Proceeds. twill
pay for any public adjusters or parties that i hire. and theirfees will notbe paid out ofthe insurance Proceeds. if

the repair or restoration is noteconomlcally feasible or if itwould iessen Lender's protection underthis Security Instrument. 

then the insurance Proceeds will be used to reduce the amount that owe to Lender underthis Security instrument. Such
insurance Proceeds will be applied in the order provided for in Section 2. ifany of the insurance Proceeds remain after the
amountthat I owe to Lender has been paid in full. the remaining insurance Proceeds wlil be paid to me.

if I abandon the Property. Lender may tile. negotiate and settle any available insurance claim and related matters. if
i do not answer. within 30 days. a notice from Lender stating that the insurance company has offered to settle a claim.
Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event. or if
Lender acquires the Property under Section 24 of this Security instrument or otherwise. i give Lender my rights to any
insurance Praceeds in an amountnot greaterthan the amounts unpaid underthe Note and this Security instrument i also
give Lenderany otherof my rights (otherthan the right to any refund of unearned premiums thatl paid) under all insurance
policies covering the Property. if the rights are applicable to the coverage ofthe Property. Lender may use the insurance
Proceedseither to repair or restore the Property or to pay amounts unpaid under the Note or this Security instrument.
whether or not then due.

a. Borrower's Obligations to Occupy The Property. lwill occupythe Property and use the Property as my principal
residence within 60 days afteri sign this Security Instrument. lwill continue to occupy the Property and to use the Property
as my principal residence for at least one year. The one-year period will begin when i first occupy the Property. However.
i will not have to occupy the Property and use the Property as my principal residence within the time frames 56thth above
if Lender agrees in writing that i do not have to do so. i also will not have to occupy the Property and use the Property as my
principal residence within the time frames settorth above ifextenuating circumstances are beyond my controi.

7. Borrower's Obligations to Maintain And Protect The Property And to Fulfill Any Lease Obligations;

Maintenance and Protection of the Property. i will not destroy. damage or harm the Property. and i will not

allow the Property to deteriorate. Whether or not i am residing in the Property, i will keep the Property in good repair so
that it wlli notdeteriorate or decrease in value due to its condition. Unless it is determined under Section 5 ofthis Security
instrument that repair is noteconomically feasible. twill repair the Property lfdamaged to avoid further deteriora-
tion or damage. if insurance or Condemnation (as de?ned in the de?nition of Miscellaneous Proceeds) proceeds are paid

 

Case 1: 17- -cr- -00201- ABJ Document 66- 1 Filed 11/30/17 Page 16 of 75



LOAN it: 1010001429
because of loss or damage to. or Condemnation of the Property, twill repair or restore the Property only if Lender has
released those proceeds for such purposes. Lender may pay for the repairs and restoration out of proceeds In a single
payment or in a series of progress payments as the Work Is completed. If the insurance or Condemnation proceeds are
not suf?cient to repairer restore the Property. i promise to pay forthe completion ofsuch repair or restoration.

If condemnation prodeeds are paid in connection with the taking ofthe properly. Lender shall apply such proceeds to
the reduction of the Indebtedness under the Note and this Security instrument, ?rst to any delinquent amounts. and then
to payment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the
payments or change the amount of such payments.

Lender's Inspection of Property. Lender. and others authorized by Lender. may enter on and inspect the Prop-
erty. They will do so In a reasonable manner and at reasonable times. If it has a reasonable purpose Lender may inspect
the inside of the home or other improvements on the Property. Before or at the time an inspection is made. Lender will
give me notice stating a reasonable purpose for such Interior inspection.

8. Borrower's Loan Application. if. during the application process forthe Loan. i, or any Person or entity acting at
my direction or with my knowledge or consent. made false. misleading. or inaccurate statements to Lender about infor-
mation important to Lender in determining my eligibility for the Loan (or did not provide Lender with such information),
Lenderwill treat my actions as a default under this Security Instrument. False. misleading. or inaccurate statements about
information important to Lender would include a misrepresentation of my intention to occupy the Property as a principal
residence. This is just one example cfa false. misleading. or inacCurate statement of important information.

Lender's Right to Rights In The Property. If: I do not keep my promises and agreements made
in this Security Instrument: someone, Including me. begins a legal proceeding that may signi?cantly affect Lender's
interest in the Property or rights underthis Security Instrument (such as a legal proceeding in bankruptcy. in probate. for
Condemnation or Forfeiture (as de?ned in Section 10). proceedings which could give a Person rights which could equal
or exceed Lender's interest in the Property or underthis Security Instrument. proceedings .for enforcement ofa Lien which
may become superior to this Security instrument. orto enforce laws or regulations); or I have abandoned the Property.
then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and
Lender's rights under this Security 

Lender?s aclIOnS may include. butare to: protecting the value ofthe Property: secur-
ing and/ortepairing the Property; paying sums to eliminate any Lien against the Property thatmay be equal or superior
to this Security Instrument; appearing in court: and paying reasonable altorneys? fees to protect its interest in the
Property andior rights under this Security instrument. including Its secured position in a bankruptcy proceeding. Lender
can also enter the Property to matte repairs. change locks, replace or board up doors and windows, drain waterfrorn pipes,
eliminate building or other code violations ordangerous conditions. have utilities turned on or off. and take any other action
to secure the Property. Although Lender may take action under this Section 9. Lender does not have to do so and Is under
no duty to do so. I agree that Lender will not be liable for nottaklng any or all actions underthis Section 9.

i will pay to Lender any amounts. with interest, which Lender spends under this Section 9. i will pay those amounts
to Lender when Lender sends me a notice requesting that I do so. i will pay interest on those amounts at the interest rate
set forth in the Note. Interest on each amount will begin on the date that the amount is spent by Lender. This Security
Instrumentwill protect Lender in case I do not iteep this promise to pay those amounts with interest.

If i do not own. but am a tenanton the Property, i willfuliill all my obligations under my lease. I also agree that. if I acquire
the full title (sometimes called ?Fee Title?) to the Property. my lease interest and the Fee Title will not merge unless Lender
agrees to the merger in writing

10. Agreements About Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are assigned to and will
be paid to Lender.

if the Property ls damaged. such Miscellaneous Proceeds will be applied to restoration or repair of the Property. if
the restoration or repair Is economically feasible. and Lender's security given in this is not
lessened. During such repair and restoration period. Lender will have the rightto hold such Miscellaneous Proceeds until
Lender has had an opportunity to lnspectthe Property to verify that the work has been completed to Lender's satisfaction.
However. the inspection will be undertaken Lendermay pay for the repairs and restoration in-a single disburse-
mentor in a series of progress payments as the work Is completed. Unless Lender and i agree otherwise in writing or

unless Applicable Law requires interest to be paid on Such Miscellaneous Proceeds. Lender will not be required to pay 

Borrower any interest or on the Miscellaneous Proceeds. If the restoration or repair is not economically feasible
or Lender's security given in this Security Instrumentwould be lessened. the Miscellaneous Proceeds will be applied to
the Sums Secured, whether or not then due. The excess. if any. wilt be paid to me. Such Miscellaneous Proceeds will be
applied in the order provided for in Section 2.

in the event of a total taking. destruction. or loss in value of the Property. the Miscellaneous Proceeds will be applied
to the Sums Secured. whether or not then due The excess. If any. will be paid to me.

in the event of a partial taking. destruction. or loss In value of the Property In which the fair maritet value of the
Property Immediately before the partiattaking, destruction. or loss In value is equal to or greater than the amount of the
Sums Secured immediately before the partial taking. destruction. or loss In value. the Sums Secured will be reduced by
the amount of the Miscellaneous Proceeds multiplied by the following fraction: the total amount of the Sums Secured
immediately before the partial taking. destruction. or loss in value divided by the fair market value of the Property
immediately before the partial taking. destruction. orioss in value.Any balance shall be paid to me.

In the event ofa partial taking, destruction. or loss in value ofthe Property in which the fair market value of the Property
immediately before the partial taking. destruction. orloss In value Is less than the amountofthe Sums Secured immediately
before the partial taking. destruction. or loss in value. the Miscellaneous Proceeds will be applied to the Sums Secured
whether or notthe sums are then due. .

If I abandon the Property. orif, a?er Lender sends me notice that the Opposing Party (as defined In the next sentence)
offered to make an award to settle a claim for damages. I fall to respond to Lender within 30 days after the date Lender
gives notice. Lender is authorized to collect and apply the Miscellaneous Proceeds eltherto restoration or repair of the
Property or to the Sums Secured. whetheror nottnen due. "Opposing Party" means the third party that owes me Misceln
taneous Proceeds or the party I have a right of action In regard to Miscellaneous Proceeds.

i will be in default underthis Security Instrument If any civil or criminal action or proceeding that Lender determines
could resultin a court ruling that would require Forfeiture of the Property. or that could damage Lender?s interest
In the Property or rights underthis Security instrument. ?Forfeiture? is a court action to require the Property. or any part of

 

Case Document 66-1 Filed 11/30/17 Page 17 of 75

- LOAN 1010001429
the Properly, to be given up. I may correct the default by obtaining a court ruiing that dismisses the court action. it Lender
determines that this court ruling prevents Forfeiture of the Property and also prevents any damage to Lender?s interest
in the Property or ?ghts underthis Security instrument. ifl correct the default. lwili have the right to have enforcement of
this Security instrument discontinued. as provided in Section 18 of this Security instrument. even if Lender has required
immediate Payment in Full (as de?ned in Section 24). The proceeds of any award or claim for damages that are attribut-
able to the damage or reduction of Lender's interest in the Property are assigned. and will be paid. to Lender.

Ali Miscellaneous Proceeds that are not applied to restoration or repair of the Property will be applied In the order
provided for in Section 2. 

11. Continuation of Borrower's Obligations And of Lender's Rights.

Borrower?s Obligations. Lender may allow me. or a person who takes over my rights and obligations. to deiay
orto change the amount of the Periodic Payments. Even if Lender does this, however. [will still be fully obligated under
the Note and under this Security 'instrumentunless Lender agrees to reiease me. in writing. from my obligations.

Lender may allow those delays or changes for me or a Person who takes over my rights and obiigations, even if
Lender is requested not to do so. Even if Lender is requested to do so. Lender will not be required to (1) bring a lawsuit
against me or such a Person for obiigatlons underthe Note or under this Security instrument. or (2) refuse to
extend time for payment or otherwise modify amortization ofthe Sums Secured.

Lender?s Rights. Even if Lender does not exercise or enforce any right of Lender underthis Security instrument
or underApplicabie Law. Lenderwlii stili have all of those rights and may exercise and enforce them in the future. Even if:
(1) Lender obtains insurance, pays taxes. or pays other claims. charges or Liens against the Property; (2) Lender accepts
payments from third Persons; or (3) Lender accepts payments in amounts less than the amount than due. Lender will
have the right under Section 24 beiow to demand that i make immediate Payment in Full of any amounts remaining due
and payable to Lender under the Note and underthis Security instrument.

12. Obligations of Borrower And of Persons Taking Over Borrower?s Rights or Obligations. if more than one
Person signs this Security instrument as Borrower.,each of us is fully obligated to keep all of Borrower?s promises and
obligations contained in this Securityinstrument. Lender may enforce Lender?s rights 
each of us individually or againstail of us together. This means that any one of us may be required to pay all of the Sums
Secured. However. itone of us does not sign the Note: that Person is signing this Security instrument only to give that
Person's rights in the Property to Lender under the terms of this Security instrument; that Person is not personally
obligated to pay the Sums Secured; and that Person agrees that Lender may agree with the other Borrowers to delay
enforcing any of Lender's rights. to modify. or ma ire any accommodations with regard to the terms of this Security instru-
mentorthe Note withoutthat Person's consent. 

Su hired to {he provisions of Section 1? of this Security instrument, any Person who takes over my rights or obligations
under this Security instrument in writing. and is approved by Lender in writing. wilt have all ofmy rights and will be obligated
to keep all of my promises and agreements made in this Security instrument. Borrowerwili not be released from Borrower's
obligations and liabilities under this Security instrument unless Lender agrees to such release in writing. Any Person who
takes over Lender's rights or obligations underthis Security Instrumentwill have all of Lender's rights and will be obligated
to keep all of Lender's promises and agreements made in this Security instrument except as provided under Section 19.

13. Loan Charges. Lender may charge me tees for services performed in connection with my default. for the pur?
pose of protecting Lender?s interest in the Property and rights underthis Security instrument. including. but not limited to.
attorneys? fees. property inspection and valuation fees. Lender may collect fees and charges authorized by the Secretary.
Lender may not charge fees that are prohibited by this Security instrument or byApplicable Law.

it the Loan is subject to Applicable Law which sets maximum loan charges. and thatApplicabie Law is ?nally inter~
preted so that the interest or other loan charges collected orto be collected in connection with the Loan exceed permitted
limits: any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit; and
any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to
make this refund by reducing the principal owed underline Note or by making a direct payment to Borrower. if a refund
reduces principai, the reduction will be treated as a partial prepaymentwith no changes in the due date or in the 
payment amount unless the Note holderagrees in writing to those changes. if i accept such a refund that is paid directly
to me. Will waive any right to bring a lawsuit against Lender because ofthe overcharge. 

14. Notices Required underthis Security instrument. All notices given by me or Lenderin connection with this Security 
instrument will be in writing. Any notice to me in connection with this Security instrument is considered given to me when
malted by ?rst ctass mail orwhen actually delivered to my notice address if sent by othermeans. Notice to any one Borrower
will be notice to all Borrowers unlessAppiicable Lew expressly requires otherwise. The notice address isthe address ofthe

Property unless I give notice to Lenderofa different address. wilt notify Lender of my change of address. if Lender
specifies a procedure for reporting my change ofaddress. then only report a change speci?ed
procedure.There may be only one designated notice address under this Security at any one time.Any notice to
be given by deiivering it orby mailing it by first class mail to Lender?s address stated on the ?rst page of this Security
instrumentunless Lender has given me notice of another address. Any notice in connection with this Security Instrumentis
given to Lenderwhen it is actually received by Lender. if any notice required by this Security instrument is also required under
Applicable Law. the Applicable Law corresponding requirementunderthis Security instrument.

15. Law That Governs this Security instrument; Word Usage. This Security instrument is governed by federal tow
and the law of New York State.All rights and obligations contained in this Security instrument are subject to any require-
ments and limitations oprplicabie Law.Appiicable Law might allow the parties to agree by contract or it might be silent,
but such silence does not mean that Lender and i cannot agree by contract. if any term of this Security Instrument or of

the Note con?cts with Applicabie Law. the con?ct will not affect other provisions of this Security instrument or the Note
which can operate. or be given effect. without the con?cting provision. This means that the Security instrument or the
Note will remain as if the con?cting provision did not exist.

As used in this Security instrument: (3) words of the masculine gender mean and include corresponding words of the
feminine and neuter genders: words in the singular mean and include the piural. and words in the plural mean and
include the singular; and the word ?may" gives sole discretion without any obligation to take any action.

16. Borrower?s Copy. i will be given one copy ofthe Note and of this Security instrument.

17. Agreements about Lender's Rights if the Property is Sold or Transferred. Lender may require immediate
Payment in Full of ail Sums Secured by this Security instrument ifali or any part ofthe Property. or ifany rightin the Prop-
erly. is sold ortransferred without Lender's prior written permission. if Borrower is not a natural Person and a bene?cial

 

Case 1: 17- -cr- -O-0201 ABJ Document 66- 1 Filed 11/30/17 Page 18 of 75

LOAN #:1010001429
lnterestin Borrower is sold or transferred without Lender' priorwritten pen-hisslon. Lender also may require Immediate
Payment In However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law

if Lender requires immediate Payment in Full under this Section 17. Lender will give me a notice which states this

requirement. The notice will give me at least 30 days to make the required payment. The 30?day period will begin on
the date the notice is given to me In the manner required by Section 14 of this Security Instrument. Ifi do not make the
required payment during that period. Lender may act to enforce its rights under this Security Instrument without giving
me any further notice-or demand for payment.

18. Borrower' 5 Rightto Have Lender' 3 Enforcement ofthis Security instrument Discontinued. if I meet certain
conditions Ishall have the right to reinstatement of a mortgage. These conditions are that:

i pay to Lenderthe full amount that then would be due underthis Security instrument and the Note as if immediate

Paymentin Full had never been required;

to) I correct my failure to keep any of my other promises or agreements made in this Security Instrument;

I pay all ofLender?s reasonable expenses in enforcing this Security instrument including. forexarnpie. reasonable

attorneys' fees. property inspection and valuation fees. and other fees incurred for the purpose of protecting Lender?s

interest in the Property and rights underthis Security instrument; and

i do whatever Lender reasonably requires to assure that Lender's interest in the Property and rights under this

Security instrument and my obligations underthe Note and under this Security instrument continue unchanged.

However. Lenderis not required to reinstate if: Lender has accepted reinstatement aflerthe beginning offoreciosure
proceedings within two years immediately prior to the beginning of current foreclosure proceedings; (ii) reinstatement
will prevent foreclosure on differentgrounds in the future. or (Iii) adversely affect the priority of the lien
created by this Security Instrument

Lender may require that i pay the sums and expenses mentioned' an through In one or more ofthe following
forms. as selected by Lender: cash; money order: to) certi?ed check. bank check treasurer's check or cashier's
check drawn upon an institution whose deposits are Insured by a federal agency. instrumentality or entity: or (6) Electronic
Funds Transfer.

Ifl ful?ll all of the conditions In this Section 1 8. then this Security instrument will remain in full effect as if immediate
Payment In Full had never been required. However, I will not have the right to have Lender?s enforcement of this Security
instrument discontinued if Lender has required immediate Payment in Full under Section 17 ofthis Security instrument.

19. Note Holder?s Right to Sell the Note or an Interest in the Note; Borrower's Right to Notice of Change of
Loan Servicer; Lender's and Borrower's Right to Notice of Grievance. The Note. or an interest in the Note, together
with this Security instrument. may be sold one or more times. I might not receive any prior notice ofthese sales.

The entity thatcoiiects the Periodic Payments and performs othermortgage loan servicing obiigations under the Note.
this Security instrument, and Applicable Law is called the ?Loan Servicer." There may be a change of the Loan Servicer
as a result of the sale of the Note. There also may be one or more changes ofthe Loan Servicer unrelated to a sale of
the Note.AppIicabie Law requires that i be given written notice of any change of the Loan Servicer. The notice will state
the name and address of the new Loan Servicer. and also tell me the address to which lshould make my payments. The
notice also will contain any other Information required by RESPA or Applicable Law. If the Note Is sold and thereafter
the Loan is serviced by a Loan Servicer otherthan the purchaser of the Note. the mortgage loan servicing obligations to
me wilt remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note
purchaser unless otherwise provided by the Note purchaser.

Neitheri nor Lender may commence, join. or be Joined to any court action (as either an individual party orthe member
of a class) that arises from the other party's actions pursuantto this Security Instrumentor that alleges thatthe other has
not ful?lled any of its obligations under this Security Instrument. unless the other is noti?ed (in the manner required under
Section 14 of this Security instrument) of the unfui?iled obligation and given a reasonable time period to take corrective
action-?Applicable Law provides a time period which will elapse before certain action can be taken.thattin1e period will
be deemed to be reasonable for purposes ofthis paragraph.The notice ofacceleration and opportunity to cure given to me
under Section 24 and the notice of the demand for payment in full given to me under Section 24 will be deemed to satisfy
the notice and opportunity to take corrective action provisions ofthis Section 19. All rights underthis paragraph are subject
to Applicable Law.

20. Borrower Not Third-Party Beneficiary to Contract of Insurance. Mortgage Insurance reimburses Lender (or 

any entity that purchases the Note) for certain'losses it may incur if! do not repay the Loan as agreed. i acknowledge and
agree that I am nota third party bene?ciary to the contractof Insurance between the Secretary and Lender. nor am I entitled
to enforce any agreement between Lender and the Secretary. unless explicitly authorized to do so by Applicable Law.

21. Continuation ofBorrower?s Obligations to Maintain and Protect the Property.'l'he federal laws and the laws
of New York State that relate to health. safety or environmental protection are called "Environmental Law." Environmental
Law classi?es certain Substances as toxic or hazardous. There are other substances that are considered hazardous for
purposes of this Section 21. These substances are gasoline. kerosene. other fammable or toxic petroleum products.
toxic pesticides and herbicides. volatile solvents. materials containing asbestos or formaldehyde. and radioactive materi-
als. The substances de?ned as toxic or hazardous by Environmental Law and the substances considered hazardous for
purposes of this Section 21 are called ?Hazardous Substances.? "Environmental Cleanup" includes any response action.
remedial action. or removal action. as de?ned in Environmental Law. An "Environmental ConditiOn" means a condition
that can cause, contribute to. or otherwise trigger an Environmental Cleanup.

i will notdo anything affecting the Property that violates Environmental Law. and Iwili not allow anyone also to do so.
I will not cause or permit Hazardous Substances to be presenton the Property. I will not use or store Hazardous Subsiances
0n the Property. i alsowiil notdispose of Hazardous Substances on the Property, or release any Hazardous Substance on
the Property. and Iwili not allow anyone else to do so. I also will not do, nor allow anyone else to do. anything affecting the
Property that: is in violation of any Environmental Law; creates an Environmental Condition; or which, due to the
presence. use. or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property.
The promises in this paragraph do not apply to the presence. use. or storage on the Property of small quantities of Hazard-
ous Substances that are generally recognized as appropriate for normal residential use and maintenance ofthe Property
(including, but not limited to. Hazardous Substances in consumer products). I may use or store these small quantities on
the Property. In addition. unless Environmental Law requires removal or other action. the buildings, the improvements
and the ?xtures on the Property are permitted to contain asbestos and asbestos?containing materials if the asbestos and
asbestos-containing materials are undisturbed and "non-friable" (that is. noieasily crumbled by hand pressure).

 

Case Document 66-1 Filed 11/30/17 Page LOAN #2 1010601429
i will give Lender written notice of: any investigation, claim, demand, lawsuit or other action by any
governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environ?
mental Law of which I have actual knowledge; any Environmental Condition. including but not limited to. any spilling,
leaking, discharge, release orthreat of release of any Hazardous Substance: and any condition caused by the pres-
ence, use or release of a Hazardous Substance which adversely affects the value of the Property. if I learn. or any
governmental or regulatory authority, or any private party, noti?es me that any removal or other-remediation of any
Hazardous Substance affecting the Property is necessary. lwili prom pity take all necessary remedial actions in accor-
dance with Environmental Law.
Nothing in this Security instrument creates an obligation on Lender for an Environmental Cleanup.
22. Grounds forAcceieration of Debt. -
Default. Lender may, except as limited by regulations issued by the Secretary. in the case of payment defaults.
require immediate paymentin full ofall sums secured by this Security 
default by falling to pay in full any payment required by this Security instrument prior to or on the
due date of the next payment, or
(ii) [default by failing, fora period of thirty days, to perform any other obligations contained in this Security Instrument
Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d) of the
Garn-St. Germain Depository institutions Act of 1982. 12 U.S.C. and with the prior approval of the Sec-
retary. require immediate payment in full of all sums secured by this Security instrument if:

(D All or part of the Property, or a bene?cial interest in a trust owning all or part of the Property. is sold or otherwise

transferred (other than by devise or descent), and
No Waiver. if circumstances occur thatwouid permit Lenderto require immediate payment in full, but Lender does
not require such payments. Lenderdoes notwaive its rights with respect to subsequentevents.
Regulations of HUD Secretary. in many circumstances regulations issued by the Secretary will limit Lender's
rights, in the case of payment defaults. to require immediate payment in full and foreclose if not paid. This Security
Instrument does notaulhorize acceleration or foreclosure if by regulations ofthe Secretary.
to) Mortgage Not insured. i agree that if this Security instrument and the Note are not determined to be eligible
forinSurance under the National Housing Act within 60 days from the date hereof, Lender may. at its option. require
immediate payment in full ofali sums secured by this Security instrument. Awritten statement of any authorized agent
of the Secretary dated subsequent to 60 days from the date hereof. declining to insure this Security instrument and
the Note. shalt be deemed conclusive proof of such ineligib?ity. Notwithstanding the foregoing. this option may not be
exercised by Lenderwhen the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance
premium to theSecratary.

COVENANTS
I also promise and agree with Lender as follows:

23. Assignment of Rents. unconditionally assign and lransferto Lenderali the rents and revenues of the Property.
I authorize Lender or Lender?s'agents to collect the rents and revenues and hereby direct each tenant of the Property
to pay the rents to Lender or Lender's agents. However, prior to Lender?s notice to me of my breach of any covenant
or agreement in the Security instrument. I shall collect and receive all rents and revenues of the Property as trustee for
the benefit of Lender and-me. This assignment of rents constitutes an absolute assignment and not an assignment for
additional security only. 

If Lender gives notice of breach to me: all rents received by me shall be held by me as trustee for bene?t of Lender
only. to be applied to the sums secured by the Security instrument; Lender shall be entitled to collect and receive all
of the rents of the Property; and each tenant of the Property shall pay all rents due and unpaid to Lender or Lender?s
agent on Lender's written demand to the tenant: .

have not executed any prior assignment of the rents and have not and will not perform any act that would prevent
Lender from exercising its rights under this Section 23.

Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of
breach to me. However. Lender or ajudiciaily appointed receivermay do so at any time there is a breach. Any application 
of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents ot
the Property shall terminate when the debt secured by the Security Instrument is paid in full.

24-. Lender?s Rights if Borrower Fails to Keep Promises and Agreements. Londorshail give notice to me prior
to acceleration following my breach of any covenant or agreement in this Security instrument (but not prior to
acceleration under Section 17 unlessApplicable Lawprovides otherwise).Tho noticeshalispecify: {althe default;
the action required to cure the default; is) a date. not less than 30 days from the data the notice to given to
me. by which the default must be cu red; and id) that failure to cure the default on or before the date speci?ed
in the notice may result in acceleration of the sums secured by this Security instrument. foreclosure byjudlciai
proceeding and sale of the Property. The notice shall furtherinform me of the right to reinstate after acceleration
and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense have
to acceleration and foreclosure. If the default to not cured on or before the date speci?ed In the notice. Lender
may require immediate payment in full of all some secured by this Security instrument without further demand
and may foreclose this Security instrument by judicial proceeding. Lender will have the right to collect all costs
allowed by law, in cluding, but not limited to reasonable attomeys'fees and costs of title evidence.

lithe Lender?s interest in this Security instrument is held by the Secretary and the Secretary requires immedi-
ate payment in full under Section 22, the Secretary may invokethe nonjudlcial powerofsale provided in the Single
Family Mortgage Foreclosure Act of 1994 {12 U53. 3751 et seq.) by requesting a foreclosure commissioner
designated under the Actto commence foreclosure and to soil the Property as provided in the Act. Nothing in the
preceding sentence shall deprive the Secretary ofany rights otherwise availableto a Lender Section 24 .
or applicableiaw. -

25. Lender?s Obligation to Discharge this Security instrument. When Lender has been paid all amounts due
underthe Note and underthis Security Instrument, Lenderwili discharge this Security instrument by delivering a certificate
stating that this Security instrument has been satis?ed. i will pay all costs of recording the discharge in the proper official
records. i agree to pay a fee forthe discharge of this Security instrument. if Lender so requires. Lender may require that

 

Case Document 66-1 Filed 11/30/17 Page LOAN 1910001429
I pay such a fee. but only if the fee is paid to a third party for services rendered and the charging of the fee Is permitted
by Applicable Law.
26. Agreements about New York Lien Law. i will receive all amounts lent to me by Lender subject to the trust fund
provisions of Section-13 of the New York Lien Law. This means that leii: hold all amounts which i receive and which i
have a rightto receive from Lender underthe Note as a trustfund; and use those amounts to pay for "Costof improve-
ment" (as de?ned in Section 13 of the New York Lien Law) before I use them for any other purpose. The fact that I am
holding those amounts as a trust fund means that for any building orother improvement iocated onthe Property i have a
special responsibility under the law to use the amount in the mannerdescribed in this Section 26.
27 Borrower's Statement Regarding the Property [check box as applicable].
This Security instrument covers reai property improved, or to be Improved, by a one or two family dwelling only.
i This Security Instrument covers real property principally improved, or to be improved, by one or more structures
containing. in the aggregate. not more than six residential dwelling units with each dwelling unit having its own
separate cooking facilities. .
I This Security instrument does not cover real property improved as described above.
28. Event of Default Any event of default under any of the Loan Documents shall constitute an event of default for
purposes of this Security instrument.
BY SIGNING BELOW, i accept and-agree to the promises and agreements contained in pages 1rthrough 10 of this
Security instrument and in any Rider signed by me and recorded with it.



SUMMERBREEZE LLC, a New York limited liability
company

  

By:
Bruce Ba dinger, Specie
State of {Vt 
- as:
County of 

0n the 16th day of NOVEMBER in the year 2016, before me, the undersigned, a Notary Public in and for said
State, personally appeared Bruce Baldinger. personally known to me or proved to me on the basis of
satisfactory evidence to be the individual(s) whose nameis} is (are) subscribed to the within instrument and
acknowledged to me that heishei?they executed the same in hislheritheir capacity (ies), and that by 
signaturets) on the instrumenbthe individuaits}, or the person upon behalf of which the individual 3) acted,
executed the instru ment.

 

 

 

A -
5131333?! Yort Notary Pushy
Oua?fgedinNait-ieilitgeyugg 301? My commission expires: 277! 
[95 

Exp!

 

'1

Case Document 66-1 Filed 11/30/17 Page 21 of 75

- LOAN 1010001429
SECOND HOME RIDER

THIS SECOND HOME RIDER is made this 16?" day of November, 2016, and Is Incorporated into and shall be deemed to
amend and supplement the Mortgage, Deed of Trust, or Security Deed {the 'Security instrument') of the same date given by the

undersigned (the "Borrower,? whether there are one or more persons undersigned) to secure Borrower's Note to TH 

FEDERAL SAVINGS BANK (the 'Lender?) of the same date and covering the Property described in the Security
instrument (the "Property?}. which is located at: 174 JOBS LANE, NY 11976

in addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and
agree that Sections 6' and 8 of the Security Instrument are deleted and are replaced by the following:

8. Occupancy. Borrower shalt occupy. and shat! only use. the Property as Borrower's second home. Borrower shall keep
the Property available for Borrower?s exclusive use and enjoyment at all times. and shalt not subject the Property to any timesharing
or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give
a management ?rm or any other person any control over the occupancy or use of the Property. -

8. Borrower?s Loan Application. Borrower shalt be in default if. during the Loan application process, Borrower or any
persons or entities acting at the direction of Borrower or with BorrOWer?s knowledge or consent gave materially false. misleading. or
inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan.
Material representations include, but are not limited to. representations concerning Borrower?s occupancy of the Property as
Borrowar's second home. 

BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants contained in this Second Home Rider.

a New York limited
liability company 

 
 

 

Borrower

 

Case Document 66-1 Filed 11/30/17 Page 22 of 75

 

 

174 Jobs Lane, Bridgehampton, NY

PROPERTY APPRAISAL
and
VALUATION

Case Document 66-1 Filed 11/30/17 Page 23 of 75

APPRAISAL OF REAL PROPERTY

LOCATED AT:
174 Jobs Ln
District 900 Section 134 Block 1 Lot 48.006
Bridgehampton, NY 11932

FOR:
The Federal Savings Bank
300 Eiizabeth St Suite 3E
Chicago. Ii. 60607

AS OF:
10/0412016

BY:
Douglas Feinberg
DCF Appraisals
135 Lewis Street
Southampton NY 11968

516-331-3812 Cell Phone 631-537-5169 Of?ce Phone and Fax

Case Document 66-1 Filed 11/30/17 Page 24 of 75

 

 

The Federal Savings Bank
300 Elizabeth St Suite 3E
Chicago. it. 60607

Re: Property: 174 Jobs Ln
Bridgehampton. NY 11932
Borrower: Paul Manaforl
File No.: 6-08638

in accordance with your request, we have appraised the above referenced property. The report of that appraisal is
attached.

The purpose of this appraisal is to estimate the market value of the property described in this appraisal report. as
improved. in unencumbered fee simple title of ownership.

This report is based on a physical analysis of the site and improvements. a locational analysis of the neighborhood and
city. and an economic analysis of the market for properties such as the subject. The appraisal was developed and the
report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice.

The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the
certi?cation and limiting conditions attached.

It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional
service to you.

Sincerely,

()th C. W67

Douglas Feinberg

 

 

Case Dog??almg?tg gga-Bjmfiled 11/30/17 Page 9016235816
Uniform Resrdentral rarsal Re rt Firearms-08638

The of this is to the with an and of the market vatue of the
Address State Code 1

Borrower Owner of Public Record

   

 

Assessor's Parcet Tax Year R.E. Taxes
Name Reierence Census Tract
Vacant PUD HOA
Fee Other
Purchase Transaction Other

is the offered for sale or has it been uttered tor sale in the twelve months to the effective date of this Yes No
data and

did did not analyze the contract for sate for the subject purchase transaction. Explain the results at the analysis of the contract for sale or why the anaiysis was not

Contract Price Date of is the seller of record? No Data
ts there any tinanctal assistance (loan charges, sale concessions. gitt or downpayment assistance. etc.) to be paid by any party on behalf of the borrower?
the and describe the

Note: Race and the racial oi the are not

Location Urban Suburban Rural Values Stable AGE One-Unit
Built Over 75% 25-75% Under 25% in Balance Over 2-4 Unit
Growth Stable Stow Time Under 3 3-5 Over 6 
Boundaries Commerciat
Other

is
Market Condih?ons for the above

on Relocation

Classification
No
is the and bestuse of use? Yes No It describe

Utilities Public Other Public Other Off-site Public Private
. Water Street

Gas Sewer

FEMA Flood Hazard Area Yes No FEMA Flood Zone FEMA FEMA Date

Are the utilities and otf-stte tor the market area? Yes No If describe

Are there adverse site conditions or external factors environmental land . No If describe

Units One One with Concrete Slab Crawl Foundation
of Stories Fult Basement Panial Basement Exterior Walls
Bet. Att. Unit Area Roof Surface
Under Const. Basement Finish Gutters 
Outside Bath Wainscot
Storm
E?ective Settlement Screens oi Cars
None HWBB Surlace
Stair Fuet ot Cars
Floor Scuttle Central Air of Cars
Finished . Heated Individual Other Pool Atl. Bet. Built-in
Dishwasher Microwave Extras

Finished area above contains: 5 Rooms Bedrooms Feet of Gross Area Above Grade
Additional features etlicient

Describe the condition of the needed

Are there de?ciencies or adverse conditions that affect the or structural of the Yes No describe
is not
the

Does the conform to the . No if describe

Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 1 of 6 Fannie Mae Form 1004 March 2005

Case Document 66-1 Filed 11/30/17 Page 26 of 75

 

There are
There are 4

174 Jobs Ln

to
Pace

Sale
Date
Verification
VALUE ADJUSTMENTS
Sales or ?nancing
Concessions
Date of
Locahon
Leasehold/Fee
Site
View

of Construction
Actual
Condition
Above Grade
Room Count
Gross Area
Basement Finished
Rooms Below Grade

items

Net

Adjusted Sale Price

at

i did not

research did
Data
research
Data
the results of the



did

Date of Prior
Price of Prior
Data

Effective Date of Data

of sale or transfer

. A

of Sales

Indicated Value
Indicated Value

This appraisal is made

Liv. Area

ransfer

Sales
Sales

Uniform Residential raisai Re

offered for sale in the in
within the twelve months in sale


 

sales in the

379 Ocean Rd 461 Ocean Rd

DESCRIPTION 


DESCRIPTION 




'Unk

1
Total Baths Total Baths
1
91 it.
32555f29305?n 43335f30005?n

.
Net Adj. 4.4 it
Cross ?16
the sale or

did not reveal sales or transfers of the for the three

did not reveal sates or transters of the sales for me
the

COMPARABLE SALE #1

of the sale or transter
SUBJECT

and

of the

"as is",

to the date of sale at the

sates
COMPARABLE SALE #2

90162358?6
Fiiedt PUG-08638

Oi't

 

from to

from to$ 1 000
3
672 Hatsey Ln

DESCRIPTION 


to the effective date of this

safe.

additions! sales

COMPARABLE SALE #3

Income

subject to compietion per plans and specifications on the basis at a hypothetical condition that the improvements have been

compieted. i:j subject to the foiiowing repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed. or Cl subject to the

that the condition or does not

A

based OR the

atterat'ron or

Based on a complete visual inspection of the interior and exterior areas of the sub eci propertm, defined sco of work, statement of assumptions and limiting


conditions, and appraiser?s certification. my (our) opinion of the market value, as efined, of

Ereddie Mac Form 70 March 2005

real prone
6 which is the date

UAD Version 9/2011 Page 2 of 6

that Is the subject of this report is

 

Fannie Mae Form 1004 March 2005

Case Document 66-1 Filed 11/30/17

  

Provide information for the
tor the at site vatue

ESTIMATED
Source of cost data

from cost service
Comments on Cost

on

Estimated Economic Lite

Market Rent
of income

Estimated

Uniform Residential A

the below cost
land sales or other methods for

REPLACEMENT NEW

 

and calculations.

OPINION OF SITE VALUE

raisal Re rt

 

site

DWELLING

Eifective date of cost data
area

Total Estimate of cost-New

LESS

Functional

Cost of

"As-is? Value oi Site

58 Years INDICATED VALUE BY COST APPROACH 

Gross Rent
for market rent and

is the in control of the Homeowners' Association Yes No

Provide the
Name of
Total number at
Total number o! units rented
Was the created
Does the contain
Are the common

Are the common elements leased to or

Describe common

Freddie Mac Form 70 March 2005

iniomration tor PUDs ONLY if the

the conversion oi

the Homeowners' Association? Yes

Total number at Total
Total number of units for sale Data
into a Yes No if

units? Yes No Data Source

and recreation facilities Yes No it

and recreational iacilities.

UAD Version 9/2011 Page 3 016

is in control of the RCA and the

Unit Detached
is an attached

oi units

date of conversion.

describe the status of

No describethe rental terms and

 

Page 27 of 75

9016235816
Fliea?iII PUB-08538

  

External

Indicated Value

Attached

unit.

 

Fannie Mae Form 1004 March 2005

 

Case Document 66-1 Filed 11/30/17 Page 9016235816
Uniform Resrdential Appraisal Report use 

 

This report form is designed to report an appraisal of a one-unit properly or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.

This appraisal report is subiect to the following scope of work, intended use, intended user. definition of market value.
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing edtrcatioa or membership in an appraisal organization. are permitted.

SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following de?nition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood. (3) inspect each of the
comparable sales from at least the street, (4) research, verify. and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.

INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal tor a mortgage finance transaction.

INTENDED USER: The intended user of this appraisal report is the lender/client.

DEFINITION OF MARKETVALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeabiy and assuming
the price is not affected by undue stimulus. implicit in this definition is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are welt informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. 8. dollars or in terms
of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold
unaffected by special or creative financing or sales concessions? granted by anyone associated with the sale.

*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are
readily identifiable since the setter pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser?s judgment.

AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:

i. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in pertorrning this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.

2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.

3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or
implied. regarding this determination.

4. The appraiser will not give testimony or appeatr in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.

5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal
report. the appraiser has no knowledge oi any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal repon must not be considered as
an environmental assessment of the property.

6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or atterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed in a professional manner.

I

 

Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 4 oi 6 Fannie Mae Form 1004 March 2005

 

 

Case Document 66-1 Filed 11/30/17 Page 9016235816
Uniform Res:dentlal Appraisal Report an mes?08538

 

CERTIFICATION: The Appraiser certi?es and agrees that:

1. have, at a minimum,.developed and reported this appraisal in accordance with the scope of work requirements stated in
this appraisal report.

2. I performed a complete visual inspection of the interior and exterior areas of the subject property. 1 reported the condition
of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.

3. performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.

4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.

5. researched, verified. analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisai. unless otherwise indicated in this report.

6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparabte sale, unless otherwise indicated in this report.

7. I selected and used comparable sales that are iocationally, physically, and functionally the most similar to the subject preperty.

8. have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been buiit or wilt be built on the land.

9. have reported adjustments to the comparable sales that reftect the market's reaction to the differences between the subject
property and the comparable sates.

10. I verified, from a disinterested source. all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.

11. I have knowledge and experience in appraising this type of property in this market area.

12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area in which the property is located.

13. 1 obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reiiable sources that i believe to be true and correct.

14. have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to. needed repairs, deterioration, the
presence of hazardous wastes, toxic substances. adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research invotved in performing this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property. 

is. i have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, alt
statements and information in this appraisal report are true and correct.

16. I stated in this appraisal report my own personal, unbiased, and professionat analysis. opinions. and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.

17. have no present or prospective interest in the property that is the subject of this report, and have no present or

prospective personal interest or bias with respect to the participants in the transaction. did not base, either partially or
completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
status. handicap, familial status, or national origin of either the prospective owners or occupants of the subiect property or of the
present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.

?18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding. written or otherwise, that I wouid report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a Specific subsequent event (such as approval of a pending
mortgage loan application).

19. i personally prepared all conclusions and opinions about the real estate that were set forth in this appraisaf report. if I
relied on significant real property appraisal assistance from any individual or individnais in the performance of this appraisal
or the preparation of this appraisal report, I have named such individualfs) and disclosed the specific tasks performed in this
appraisal report. certify that any individaat so named is qualified to perform the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and i will take no
responsibility ior it.

20. identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.

 

Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 5 of 6 Fannie Mae Form 1004 March 2005

Form 1004UAD - appraisal software by a la mode, inc. - I-BUU-ALAMODE

 

 

Case Document 66-1 Filed 11/30/17 Page 6235816
Uniform Resrdentral Appraisal Report rue/r Rita-cease

 

2t. The lender/silent may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other
secondary market participants; data coltection or reporting services; professional appraisal organizations; any department.
agency, or instrumentality of the United States: and any state, the District of Columbia, or other iurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be- disclosed or distributed to any other party (inciuding. but not limited to, the public through advertising. public
relations, news. sales. or other media).

.22. i am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further. I am also subject to the provisions of the Uniform Standards of Professional Appraisai Practice
that pertain to disclosure or distribution by me.

23. The borrower. another tender at the request of the borrower, the mortgagee or its successors and assigns. mortgage
insurers. government sponsored enterprises. and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves any one or more of these parties.

24. if this appraisal report was transmitted as an "electronic record" containing my "electronic signature." as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings). or a facsimile transmission of this
appraisal report containing a copy or representation of my signature. the appraisal report shall be as effective. enforceable and
vatid as if a paper version of this appraisal report were delivered containing my original hand written signature.

25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties including. but not limited to, tine or imprisonment or both under the provisions of Tltie 18. United States
Code. Section mm. et seq.. or similar state laws.

The Supervisory Appraiser certifies and agrees that:

f. directly supervised the appraiser for this appraisal assignment. have read the appraisal report, and agree with the appraiser's
analysis. opinions. statements. conclusions, and the appraiser?s certification.

2. accept fuli responsibility for the contents of this appraisal report including, but not limited to. the appraiser's analysis. opinions.
statements. conclusions. and the appraiser's codification.

3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), is qualified to perform this appraisal. and is acceptable to perform this appraisal under the applicable state law.

4. This appraisai report complies with the Uniform Standards oi Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in piace at the time this appraisal
report was prepared.

5. If this appraisat report was transmitted as an "electronic record" containing my "electronic signature." as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings). or a facsimile transmission of this
appraisal report containing a copy or representation of my signature. the appraisal report shat! be as effective, enforceable and
valid as it a paper version of this appraisat report were delivered containing my original hand written signature.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

APPRAISER Do I35 C. Feinberg SUPERVISORY APPRAISER (ONLY IF 
Signature A: 7 Signature
Name Douglas Feinber Name
Company Name DCF Appraisals Company Name
Company Address 135 Lewis Street Company Address
Southampton NY 11968
Telephone Number 516-381-3812 Dr 631-537-6169 Telephone Number
Email Address Dougfein@aol.com Email Address
Date of Signature and Report 10/05/2016 Date of Signature
Effective Date of Appraisal 10/04/2016 State Certification 
State Codification 45000043752 or State License 
or State License State
or Other (describe) State Expiration Date of Certification or License
State NY
Expiration Date of Certification or License 03/21/2018 SUBJECT PROPERTY

[1 Did not inspect subject property

ADDRESS OF PROPERTY APPRAESED
{3 Did inspect exterior of subject property from street

 

 

 

 

174 Jobs Ln .

Bridgehampton. NY 11932 0f . .
APPRAISED VALUE or SUBJECT PROPERTY 13,500,000 Did ?599?? and 015mm? ?Open?
Date of inspection
Name Nadlan Valuation COMPARABLE SALES

 

Company Name The Federal Savings Bank
Company Address 300 Elizabeth St Suite 3E. Chicago, FL 60607 Did not inspect exterior ofcomparable sales from street
Did inspect exterior of comparable sales from street

Email Address Date of inspection

 

 

 

Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 6 of 8 Fannie Mae Form 1004 March 2005

Form 1004UAD - appraisal software by a ta mode. inc. - 

 

Case Document 66-1 Filed 11/30/17 Page 31 of 75

  

Address 174 Jobs Ln

to
Sale Price
Sale
Data
Veri?cation
VALUE ADJUSTMENTS
Sales or Financing
Concessions
Date of
Location

LIV. Area

Site
View

Actual

Condition

Above Grade

Room Count

Gross Area
Basement Finished
Rooms Below Grade
Functional

Net
Adlusted Sale Price
of
results ol the research

ranster

Date of Prior
Price of Prior
Data
Ettective Dale of Data

at sale or transfer

Freddie Mac Form 70 March 2005

DESCRIPTION

408 Pauls Ln

DESCRIPTION


Baths Total 

-
Net Adi. 6.5 
Gross 
transter
SUBJECT

ot the

Uniform Residential

 

#4

raisal Re ort

 



280 Highland Terr

DESCRIPTION 
Listing

Adj.

1
DI the
COMPARABLE SALE 

UAD Version 9/2011



Baths

9.2 


COMPARABLE SALE 

Form - appraisal software by a la mode. inc. 1-BDD-ALAMODE

 

9016235816
File 

COMPARABLE 
770 Ocean Rd

  

DESCRIPTION 
Listing

18593f05fwu


1.5%
II: 15122

Ad}.

sales on
COMPARABLE SALE 

 

Fannie Mae Form 1004 March 2005

Case Document 66-1 Filed 11/30/17 Page 32 of 75

mental Addendum File No. a1

Address

State Code

 

This appraisal should not be relied upon to detect hidden and non apparent conditions as your appraiser
has no formal training or expertise in detecting hidden and non apparent conditions.

Additional Certi?catioanhe reported analyses, opinions and conclusions were developed, and this report
has been prepared, in conformity with the requirements of the Appraisal Institute?s Code of Professional
Ethics and Standards of Professional Appraisal Practice, which include the Uniform Standards of
Professional Appraisal Practice.

The use of this report is subject to the requirements of the Appraisal Institute relating to review by its duly
authorized representatives

As of the date of this report, I Douglas Feinberg have completed the continuing education program of
the Appraisal Institute.

Neighborhood Section, Present Land Use'% The number of of land use in the other box refers to vacant
land.

Predominant Value: In the subject market area, neighborhoods are'mixed with varied size homes, utility
and amenities. Such as from older small 800 -1,400 square foot ranch style 2~3 bedroom l-2 bathroom
homes to much larger 3,000 6,000+ larger square foot new built traditional, contemp or postmodern
style 4/6+ bedroom 3/5+ bathroom. Due to the varied mixed neighborhoods the price range reported in the
neighborhood section under the One-Unit Housing Price may span a wide high, tow range. Although the
predominant value of the subject's ?nal opinion of vaiue may differ by 20% the subject is not
considered a under improvement or a over improvement for the neighborhood and falls well within the
high low range. This has no negative impact on the subjects marketability or opinion of value.

Data Sources, Veri?cation Sources: A combination of Assessor record and broker record are utilized
when available, additional veri?cation sources, Geodata, RTS 2000, Comps Inc and Ziilow. Your
appraiser collects the data, cross references the data, veri?es the data, analyses the data and after these
steps are taken reports the data. 

Comparable Search Data: The neighborhood data is from Geodata which provides the ciosed sales data
from which the market trend study is researched and reported. The closed sales data from Geodata is
considered and cross referenced with locai broker records from which the comparables are chosen. Your
appraiser collects, cross references, veri?es and analyses the available data through assessor records,
geodata, comps inc. and broker records. The search parameters go back 12 months from the effective date
of this appraisal report and may have been expanded beyond the 1 mile guideiine but stilt within what is
considered to be the subject market area, to obtain closed transfers from what would be considered outside
the subject market area would be deemed misleading and inappropriate appraisal practice. Closed transfers
within the subject neighborhood may not be considered truly comparable to the subject. Transfers outside
the immediate neighborhood but still within the subject market area may be judged to be more comparable
to sales then those in closer proximity to the subject.

The Comparable Search Data statement above applies to the ?rst 20 closest sale transfers. Although
Fennie Mae calls the first 20 closest transfers "comparables" none may be comparable at ali as stated
above. Your appraiser does due diligence in researching the subject market area for the very best avaiiable
comparables to compare to the subject which are and adjusted accordingly.

The comparables utilized were chosen because they are the most recent. reasonable comparabies available similar
to the subject. Any differences between the subject and comparables utilized were adjusted accordingly. No other
more reasonable comparabies available then those already utilized as of the effective date of this appraisal report.
Comparable Sales - Database Photographs: Photographs vary from season to season (?winter to
summer?). Attempts are made to physical photograph comparable sale as close to the selling date as
possible. The reasoning behind this method is to attempt to capture a true visual image of the sale as it
appears prior to the new owner making any improvements, renovations or alterations, which may miss
lead, the reviewer?s visual perception of the dweiling. Database photos are becoming the standard for the
industry and a good indictor of the comparable physical appearance at the time of listing or sale. All comp
photos were taken by your appraiser at time of exterior inspection for the use of this or previous appraisals
throughout the year.

Financing Type: A diligent attempt during the course of business in the subject market area for ?nancing
was preformed. At times no conclusive type of ?nancing was found or available to your appraiser.

an'n .- annraisal hu :1 la maria inn 

Case Document 66-1 Filed 11/30/17 Page 33 of 75

Su lemental Addendum

       

Address

The

Financing type reported when available.

Basement: Square Footage A. diligent attempt was made by the appraiser to extract the actual square feet
of the comparable basement area, by the extraction method from the available data. The exact square
footage is estimated by the appraiser from the data sources available through Public Records, and
represents the appraisers best effort in estimating the basement square footage and ?nished area of the
comparable's utilized in this report.

MLS In the subject market area MLS is not available as a reliable data source due to the lack of local
brokerages association and participation. The different local real estate agencies have their own listing
systems and while comp addresses are the same listing numbers differ from agency to agency. MLS 
unavailable.

Amenities: Due to the UAD lack of allowed characters Amenities line on the cost approach as it applies to
the subject?s amenities such as ?replace(s), porch(s), patio(s), deck(s), pool, pool house, tennis court, etc:

Your appraiser has acted independently and without undue in?uence from any party that may bene?t from
the real estate property transaction related to this appraisal assignment.

March 2005 version of the Fannie Mae/Freddie Mac forms, the cost approach is optional. The cost
approach is required by the lender/client

The cost approach has only been deveIOped by the appraiser as an analysis to support your appraiser's
opinion of the subject property's market value. Use of this data, in whole or part, for other purposes is not
intended by the appraiser. Nothing set forth in this appraisal report should be relied upon for the purpose
of determining the amount or type of insurance coverage to be placed on the subject property. Your
appraiser assumes no liability for and does not guarantee that any insurable value estimate inferred from
this report will result in the subject property being fully insured for any loss that may be sustained. Your
appraiser recommends that an insurance professional be consulted. Further, the cost approach may not be a
reliable indication replacement or reproduction cost for any other date other then the effective date of this
appraisal report due to changing costs of labor and materials and due to changing building codes and or
governmental regulations and or requirements.

Market Trends 1004MC: Total number of sales and Median sale price reported are without Foreclosures.

USPS Addresses: In the market areas of your appraisers expertise there are some zip code areas that have
USPS PO Box delivery only. Therefore house number and street address may not be found or verified
using a USPS address tracker. All addresses for the subject, comps and or any active listings were veri?ed
utilizing any of or a combination of the following. Assessor Records, Geodata, RTS 2000, Comps Inc, ala
mode USPS tracking conversion tool Zillow.

Age Adjustments: Your appraiser does not adiust for the difference in age from the subject and
comparables utilized. The subject as well as the comparables utilized are of all similar effective
age. Adjustments are made for any difference in quality of construction and or difference in
condition if necessary.

Your appraiser does not adjust for difference in basement square foot. The un?nished area is negligible as
storage area. The adjustments are made for ?nished and unfinished basements.

Data Difference: With Fannie Mae monitoring crucial data there may be a slight difference in comps
utilized due to the level of data verification from a previously utilized active listing and that same active
listing utilized later as a closed transfer. The difference will be found in the GLA data as closed transfers
receive a higher level of data veri?cation then utilizing active listing broker records only. This applies to
some market areas of your appraisers market areas of expertise due to the lack on online data availability
and online data veri?cation.

Data Source: When broker records show a very recent closed date that can not be verified by Assessor
Records, Geodata, RTS 2000 Comps Inc. Then your appraiser utilizes the Suffolk County Clerk's Office
Automated system to verify that the comp did in fact close was recorded and to verify the closed price.
When utilizing Suffolk records your appraiser relies on broker records for the closed month and year as
Suffolk records only provides the recording date and price.

Form TADD - appraisal software by a la mode. inc. - 

 

Case Document 66-1 Filed 11/30/17 Page 34 of 75

Su Addendum FileNo.

     

 

Address

State Code

Your appraiser is also an Associate Real Estate Broker. When referring to local broker records the local
broker records utilized by your appraiser is the Hampton Listing Service which is also known as RealNet.

Subject Location Only Map: When placing the subject only map on occasion your appraiser will move the
address balloon out of the way of other residences and over the water or an open space or reserve. This is
done so the viewer can get a better picture of the subject neighborhood. Your appraiser does not move the
balloon to cover any external obsolesce.

The 1004 MC form is ?lled out to the ?illest readily available data during the normal course of business.
No other relevant data available during the normal course of business.

In the subject market area, neighborhoods are mixed with varied size homes, utility and amenities. Such as
from older small square foot ranch style 2-3 bedroom 1~2 bathroom homes to much larger
3,000 -6,000 larger square foot new built traditional, contemp or postmodern style 4/6+ bedroom 3/5+
bathroom. This is reported in the overall neighborhood section one-unit housing trends of this appraisal
report and are not considered all to be comparable to the subject. This also applies to the MC form and
above the sales comparison grid at the top of page 2.

The MC form is ?lled out to which data is available there is no data available to report the different time
periods for the sections marked unavailable.

1004MC comparable sales and comparable sales reported above market data grid: As mentioned
throughout the comments addendum and on the 1004MA form, the data base utilized Geodata Plus does
not and can not decipher the difference in closed transfers to what is comparable to the subject. As
mentioned throughout the report including on the 1004MC Form. In the subject market area,
neighborhoods are mixed with varied size homes, utility and amenities. Such as from older small
square foot ranch style 2-3 bedroom 1?2 bathroom homes to much larger 3,000 6,000 
larger square foot new built traditional, contemp or post modern style 4/6+ bedroom 3/5+ bathroom. This
is reported in the overall neighborhood section one-unit housing trends of this appraisal report and are not
considered all to be comparable to the subject." This goes for what is reported on the 1004MC form. The
comparable sales reported above the market data grid are the comparable sales found and utilized.

On the 1004MC form where a Zero is place there is no data available to complete.

No employee. director. of?cer or agent of the lender, or any other third party acting as a joint venture partner,
independent contractor, appraisal management company. or partner in behalf of the lender has in?uenced or
attempted to influence the development, reporting, result or review of this assignment through coercion.
extortion, collusion. compensation. instruction. inducement, intimidation. bribery or in any other manner. i
have not been contacted by anyone other than the intended user (ienderl client as identi?ed on the ?rst page
of the report). borrower or designated contact to make an appointment to enter the property. 1 agree to

immediately report any unauthorized contacts either personally by phone or electronically to partnermanagement.

Age of Subject and Comps: In certain subject market areas where on line data is available the data
sources report the effective age from assessor records vs the actual age. Your appraiser researches,
verify's and reports the actual age of the subject and comps.

Page 1 of the report one unit housing price, low $1,450,000. High, $220,000,000. Pred. $5,500,000.

Market Data Grid Extras Abbreviations, as follows: Pool House. Ten Tennis Court. GG Golf
Green. OK Outdoor Kitchen. The adjustments are based on equal or inferior extras based on the beast
data researched available.

Comp 1 was a recent transfer verified with the Suffolk County Clerks Of?ce: Receded on 10/04/2016
Liber D00012882 Page 438 Sale price $14,600,000 Utilizing broker record sale date of 08/29/2016.

Form TADD - appraisal software by a la mode. inc. 

Case Document 66-1 Filed 11/30/17 Page 35 of 75

Su ntal Addendum File No. 1

    

Address

Code

Closed Sale Dates: Your appraiser expanded the search to 2+ miles within the subject market area for
similar comparable transfers. No more recent reasonable closed similar transfers were found within 90
days or 6 months. The subject market is strong and stable going back for at least 24 months. No time
adjustments warranted.

Your appraiser is aware that this may be a second appraisal. Market competency is noted above. As
mentioned your appraiser utilizes and cross references many verification data sources. Such as but not
limited to the following. Geodata, assessor records, broker records, Suffolk County records Any
difference in comp data reporting from another appraiser is unavoidable. Your appraiser will not change or
alter any of the already deeply researched data reported.

Your appraiser personally and physically measured primarily utilizing a high tech Lazar measuring tool

and measuring wheel where the lazar tool could not be utilized. Any difference in GLA or the sketch from
another report of the subject is unavoidable. Your appraiser will not re measure the subject. The only way
a different conclusion result can be reported is if a full set of builders plans to scale 1/4" be provided

to your appraiser.

Additional Features: The subject has hardwood ?oors, recessed lighting, ceiling fans and custom
audio/visual system throughout. Kitchen with granite counter tops, ceramic back splash and high end
stainless steel appliances. Extra appliances include two refrigerators in pantry, under counter wine fridge
and out door appliances. Fireplace in living room and master bedroom. Basement ?nished with family
entertainment area, rec area, gym, massage room, half bathroom, laundry room. Pool house with wet bar,
family rooms, full bathroom and three bedrooms. Porch off side, state patio with in ground pool and hot
tub off side. By pool house out door snack/sandwich bar and ?re pit. Off kitchen is a out door kitchen with
built in double grills. Deck's, patio's and upper decks off rear. Half basket ball court off garage. Putting
green in rear yard. off to the front side is the tennis court, in front yard is a nice pond. The grounds ar
extensively landscaped. 

Reconciliation: The most weight was placed on comps 1-3 and supported by additional comps utilized and
active listings included.

10/05/2016 Revision/Comments: Subject address: Assessor records and data bases utilized have the
subject in Bridgehampton, Bridgehampton?s zip code is 11932 not 11976. However looking at the
hagstrom map, Bridgehampton 11932 to to the east side of Jobs lane and Water Mill 11976 is to the
west side of Jobs Lane. The subject is on the west side of Jobs Lane. The address is reported and
consistent with a assessor records and data bases utilized.

Borrowers name and owner name of public record. The appraiser is required to report the owner of
public record, which was done as required. The borrower may differ and is known as the owner of
public record to be the husband.

The oil tanks are located in the ground. They are known to be relatively new. Your appraiser is not
a professional oil tank inspector, under ground seepage in unknown. No odors noted above ground
at time of inspection.

The high, low and pred. range was noted in the addendum because $220,000,000 can not be
reported in the one unit housing section due to the lack of numerical space, I thought that would be
evident, that is why I place a note in the addendum.

Cl vs C2: C1 is new construction in new condition, C2 is recent renovation in like new condition. No
adjustment in the C1 to C2 condition rating.

Subject Aerial was added to the subject location map. The label of the map has nothing to do with
value of the subject and was not misleading to the reader.

Form TASD - appraisal software by a la mode, inc. -1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 36 of 75

9016235816
File No. 

UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM

(Source: Fannie Mae LEAD Appendix D: UAD Field-Specific Standardization Requirements)
Condition Ratings and Definitions

Ct
The improvements have been very tecently constructed and have not previously been occupied. The entire structure and all components are new
and the dwetling features no physical depreciation.*

*Note: Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the
dwelting is placed on a 100% new foundation and the recycled materials and the recycled components have been 
into like-new condition. Recently constructed improvements that have not been previousiy occupied are not considered ?new" if they have any
significant physical depreciation newly constructed dwellings that have been vacant for an extended period of time without adequate
maintenance or upkeep).

02

The improvements feature no deferred maintenance. little or no physical depreciation, and require no repairs. Virtually all building components
are new or have been recently repaired, refinished. or rehabilitated. Ail outdated components and finishes have been updated and/or replaced
with components that meet current standards. Dwellings in this category either are utmost new or have been recentty completely renovated and
are similar in condition to new construction.

03
The improvements are weil maintained and feature limited physicai depreciation due to normal wear and tear. Some components. but not every
major building component, may be updated or recently rehabilitated. The structure has been welt maintained.



The improvements feature some minor deferred maintenance and physical deterioration dueto normal wear and tear. The dwetting has been
adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. Alt major building
components have been adequately maintained and are functionally adequate.

05

The improvements feature obvious deferred maintenance and are in need of some significant repairs. Some building components need repairs,
rehabilitation. or updating. The functional utility and overall livability is somewhat diminished due to condition. but the dweiling remains
useable and functional as a residence.

CS

The improvements have substantiai damage or deferred maintenance with deficiencies or defects that are severe enough to attest the safety.
soundness. or structural integrity oi the improvements. The improvements are in need of substantial repairs and rehabilitation. including many
or most major components.

Quality Ratings and Definitions

01

Dwellings with this quality rating are usuatiy unique structures that are individually designed by an architect for a specified user. Such
residences typically are constructed from detailed architectural plans and Specifications and feature an exceptionally high level of workmanship
and exceptionally high-gtade materiais throughout the interior and exterior of the structure. The design features exceptionaiiy high-quality
exterior refinements and ornamentation. and exceptionally high-quality interiotr refinements. The workmanship, materials, and finishes
throughout the dwelling are of exceptionally high quality.

02

Dwellings with this quality rating are often custom designed for construction on an individual property owner's site. However. dweilings in
this quality grade are also found in high-quality tract developments featuring residence constructed from individual plans or from highly
modified or upgraded plans. The design features detailed. high quality exterior ornamentation. high?quality interior refinements, and detail. The
workmanship. materials, and finishes throughout the dwelling are generaiiy of high or very high quality.

03

Dwellings with this quality rating are residences of higher quality built from individual or readily availanie designer plans in above-standard
residential tract developments or on an Individual property owner's site. The design includes significant exterior ornamentation and interiors
that are well finished. The workmanship exceeds acceptable standards and many materials and finishes throughout the dwetling have been
upgraded from "stock" standards.

04

Dwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard or modified standard building plans
are utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements. Materials. workmanship,
finish, and equipment are of stock or builder grade and may feature some upgrades.

UAD Version 9/2011
annraisnl software hv a in mode. inc . AMl'lnF

Case Document 66-1 Filed 11/30/17 Page 37 of 75

UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM

(Source: Fannie Mae UAD Appendix D: UAD Field-Specific Standardtzation Requirements)
Quality Ratings and Definitions (continued)

05

Dweflings with this quality rating feature economy of construction and basic functionality as main considerations. Such dwellings feature a
piain design using readily avatlabte or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentation
and limited interior detail. These dwellings meet minimum building codes and are constructed with inexpenstve. stock materials

with limited refinements and upgrades.

05

Dweltings with this quality rating are of basic quality and lower cost; some may not be suitable for year-round occupancy. Such 

are often built with simple plans or without plans, often utilizing the lowest quality building materials. Such dwellings are often built or
expanded by persons who are professionally unskilled or possess only minimal construction skills. Electrical. plumbing. and other mechanical
systems and equipment may be minimal or non-existent. Older dwellings may feature one or more substandard or non-conforming additions
to the original structure

Definitions of Not Updated. Updated. and Remodeled

Not Updated
Little or no updating or modernization. This description includes. but is not limited to, new homes.
Residential properties of fifteen years of age or less often reflect an originat condition with no updating, it no major
components have been replaced or updated. Those over fifteen years of age are also considered not updated it the
appiiances. fixtures. and finishes are predominantly dated. An area that is ?Not Updated? may stiff be welt maintained
and fully functional, and this rating does not necessarily imply deferred maintenance or physicat/functional deterioration.

Updated
The area of the home has been modified to meet current market expectations. These modifications
are limited in terms of both scope and cost.
An updated area of the home should have an improved look and feet, orfunctionat utility. Changes that constitute
updates include refurbishment and/or replacing components to meet existing market expectations. Updates do not
include significant atterations to the existing structure.

Remodeled
Significant finish and/or structural changes have been made that increase utility and appeal through
complete replacement and/or expansion.
A remodeled area reflects fundamental changes that tnclude muttipie alterations. These alterations may include
some or all of the following: replacement of a major component (cabinet(s), bathtub. or bathroom tile). relocation
of plumbing/gas fixtures/appliances, significant structural alterations (relocating walls. and/bribe addition of)
square footage). This would include a complete gutting and rebuild.

Explanation of Bathroom Count

Three?quarter baths are counted as a full bath in at; cases. Quarter baths (baths that feature only a toilet) are not
included in the bathroom count. The number of full and half baths is reported by separating the two values using a
period. where the full bath count is represented to the left of the period and the half bath count is represented to the
right of the period.

Example:
3.2 indicates three full baths and two half baths.

UAD Version 9/201 
Form - appraisai software by a la mode. inc. - 

Case Document 66-1 Filed 11/30/17 Page 38 of 75

UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM

(Source: Fannie Mae UAO Appendix D: UAD Standardization Requirements)

Abbreviations Used in Data Standardization Text

 

 

     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ull?im
ac Acres Area. Site
AdiPrk Adjacent to Park Location
Adewr Adjacent to Power Lines Location
A Adverse Location View
Arms Length Sale Sale or Financing Concessions
ha Bathroom(s) Basement 8. Finished Rooms Below Grade
br Bedroom Basement Finished Rooms Below Grade
Bene?cial Location View
Cash Cash Sate or Financing Concessions
City View Skyline View View
City Street View View
Comm Commercial influence Location
Contracted Date Date of Sate/Time
Conv Conventional Sale or Financing Concessions
CrtOrd Coun Ordered Sale Sale or Financing Concessions
DOM Days On Market Data Sources
Expiration Date Date of Sale/Time
Estate Estate Sale Sale or Financing Concessions
FHA Federat Housing Authority Sale or Financing Concessions
Glsze Golf Course Location
Golf Course View View
ind industrial Location View
in Interior Only Stairs Basement 8: Finished Rooms Beiow Grade
Lndti Landfill Location
Limited Sight View
Listing Listing Sale or Financing Concessions
Mountain View View
it Neutral Location View
NonArm Non-Anns Length Sale Sale or Financing Concessions
?5de Busy Road Location
0 Other Basement Finished Rooms Below Grade
Park View View
Pastoral View View
Pern Power Lines View
PubTm Pubiic Transportation Location
rr Recreational (Rec) Room Basement Finished Rooms Below Grade
Reio Relocation Sale Sale or Financing Concessions
RED RED Sale Sate or Financing Concessions
Res Residentiat Location 8. View
RH USDA - Rural Housing Sale or Financing Concessions
Settiement Date Date of Sale/time
Short Short Sale Sale or Financing Concessions
sf Square Feet Area. Site. Basement
Square Meters Area. Site
Unk Unknown Date of Sale/Time
VA Veterans Administration Sate or Financing Concessions
Withdrawn Date Date of SalefTime
wo Walk Out Basement Basement Finished Rooms Below Grade
wu Walk Up Basement Basement 8: Finished Rooms Below Grade
Water Frontage Location
Water View View
Woods Woods View View

 

Other Appraiser-Defined Abbreviations

 

UAD Version 9/2011

Form - appraisal software by a la mode. inc. - 1-800-ALAMODE

 

Case Document 66-1 Filed 11/30/17 Page 39 of 75

Suhiect Photo Page

 

Suhiect Front

174 Jobs Ln

Sales Poce

Gross Living Area 6.123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;
View N;Res;
Silo 2.37 ac
Quality 02
Age 22

 

Subject Rear

Suhiect Street

 

Form - appraisal software by a la mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 40 of 75

Subject Interior Photo Page

 

Subject Kitchen

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Total Bedrooms 8
Total Balhrooms 8.1

 

Location N;Res;

View N;Res;

Silo 2.37 ac

Quality Q2

Age 22
Kitchen

Dining Room

 

Form - appraisal software by a la mode, inc. - 

Case Document 66-1 Filed 11/30/17 Page 41 of 75

Subject Interior Photo Page

Address 7

The

 

Living Room

174 Jobs Ln

Sales Price

Gross Living Area 6.123
Totat Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;
View N:Res;
S'ne 2.37 ac
Quality C12
Age 22

 

1/2 Bathroom

 

Sun Room

 

Form - appraisal software by a 1a mode, inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 42 of 75

Subject Interior Photo Page

 

 

Den
174 Jobs Ln
Sales Price
Gross Living Area 6.123
Total Rooms 15

 

Total Bedrooms 8
Total Bathrooms 8.1

 

 

 

 

 

Localion N;Res;
View N;Res;
Sile 2.37 ac
Quality 02
Age 22
Ben
Wet Bar

 

Form appraisal software by a la mode. inc. - 

Case Document 66-1 Filed 11/30/17 Page 43 of 75

Suhiect Interior Photo Page

 

Pantry
174 Jobs Ln
Sales Price
Gross Living Area 6.123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

 

Location N;Res;

WEW N:Res;

Sile 2.37 ac

Quality C12

Age 22
Bedroom
Bathroom

 

Form - appraisal software by a fa mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 44 of 75

Subieot Interior Photo Page

Address

 

Famify Room

174 Jobs Ln

Sales Price

Gross Living Area 5,123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;

View NzRes;
. Site 2.37 ac

Gual?rty 02

Age 22

 

Bedroom over Garage

Bathroom over Garage

 

Form PIGPIXSE - appraisal software by a la mode, inc. - T-SDO-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 45 of 75

Subject Interior Photo Page

Address

 

Master Bedroom

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Totai Bedrooms 8
Totai Bathrooms 8.1

Location N;Res;

View N;Res;

Site 2.37 ac
Ouatity 02

Age 22

 

Master Bathroom

 

Bedroom

 

Form - annraisai software ho a la mode. inc, Minn-Al 

Case Document 66-1 Filed 11/30/17 Page 46 of 75

Subject interior Photo Page

Address

 

Bathroom
174 Jobs Ln
Sales Price
Gross Living Area 6,123 
Totai Rooms 15

Total Bedrooms 8
Total Baihrooms 8.1

 

Location N;Res;

Wew N;Res;

Site 2.37 ac

Quality 02

Age 22
Bedroom
Bathroom

 

Form PICPIX.SI - appraisal software by a la mode, inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 47 of 75

Subject Interior Photo Page

 

Bedroom
174 Jobs Ln
Sales Price
Gross Living Area 6,123
'{otal Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

 

Location N;Res;
Wow N;Res;
Site 2.37 ac
Quality 02
Age 22
Bathroom
Bedroom

 

Form - appraisal software by a la mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 48 of 75

Suhiect Interior Photo Page

 

Bathroom
174 Jobs Ln
Sales Price
Gross Living Area 6,123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;

Wow N;Res;

Site 2.37 ac

Quality 02

Age 22
Bedroom
Bathroom

 

Form - appraisal software by a la mode. inc. - 

Case Document 66-1 Filed 11/30/17 Page 49 of 75

Subject Interior Photo Page

Address

 

Finished Basement

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Tara? Bedrooms 8
Total Bathrooms 8.1

Location N;Res;
\?ew N;Res;
Site 2.37 ac
Quality 02

Age 22

 

Basement 1/2 Bathroom

 

Basement 

 

Form - appraisal software by a la mode, inc. - 

Case Document 66-1 Filed 11/30/17 Page 50 of 75

Subject Interior Photo Page

Address

 

Putting Green

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

 

Location N;Res;
View N;Res;
Site 2.3T ac
Quality 02
Age 22
Side Porch

Sandwich/Snack Bar
Firepit

 

Form appraisal software by a la mode. inc. 

Case Document 66-1 Filed 11/30/17 Page 51 of 75

Subiect Interior Photo Page

 

Pool, Pool House, Hot Tub

174 Jobs Ln

Sales Price

Gross Living Area 6.123
Total Rooms 15

Total Bedrooms 8
701a! Bathrooms 8.1

i
5 Location N;Res;
1 View :Res:
Site 2.37 ac
Quality 02
Age 22

 

Pool House Wet Bar

Pool House Bathroom

 

Form PICPEXSI - aooraisai software bv a la mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 52 of 75

Suhieot Interior Photo Page

 

Family Room

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;
Wow N;Res;
Site 2.37 ac
Quality 02

Age 22

Bedroom

 

Bedroom

 

Form PIGPIX.SI - appraisal software by a la mode, inc. - 

Case Document 66-1 Filed 11/30/17 Page 53 of 75

Subject Interior Photo Page

Address

 

P/tt Bedroom

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Total Bedrooms 8
Total Bathrooms 8.1

Location N;Res;
View N;Res;
Site 2.37 ac
QuaE'rty 02
Age 22

 

PM Game Table

Outdoor Kitchen/Grills

 

Form PICPIX.SI - appraisal software by a la mode, inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 54 of 75

Subject interior Photo Page

Address

 

Tennis Court

174 Jobs Ln

Sales Price

Gross Living Area 6,123
Total Rooms 15

Tara! Bedrooms 8
Totai Bathrooms 8.1

 

Location N:Res;

Wow N;Res;

Site 2.3? ac

?uaiity 02

Age 22
Fund

1/2 Baeket Ball Court

il

HEEL



 

Form PICPIX.SI - appraisaE software by a la mode. inc. - 1-300-ALAMUDE

Case Document 66-1 Filed 11/30/17 Page 55 of 75

Comparahie Photo Page

 

Comparable 1

379 Ocean Rd
Prox. to Subiect 1.55 miles NE

Sale Price 14,600,000
Gross Living Area 9,174
Total Rooms 16

Total Bedrooms 8
Total Bathrooms 7.3

Location N;Res;
View N;Res;
Site 2.47 ac
Quality Q2
Age 12

Comparable 2
461 Ocean Rd
Prox. to Subject 1.40 miles NE

Sale Price 13,500,000
Gross Living Area 5,267
Total Rooms 13

Total Bedrooms 6
Total Bathrooms 6.2

Location NzRes:

Wow N;Res;

Site 1.96 ac
Quality 02

Age 5

Comparable 3

672 Halsey Ln
Prox.io Subject 0.66 miles 

Sale Price 12,000,000
Gross tiring Area 9,994
Total Rooms 16

Total Bedrooms 7
Total Bathrooms 7.2

Location N;Res;
View N;Res;
Sile 1.96 ac
Quality 02

Age 8

 

Form - appraisal software by a la mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 56 of 75

Comparable Photo Page

 

 

Form - appraisal software by a la mode. inc. - 

Comparable 4

408 Pauls Ln

Prox. to Subject 1.00 miles 

Sale Price 11.550.000

Gross Living Area 7,854

Total Rooms 18

Total Bedrooms 8

Total Bathrooms 9.3

Location N;Res;

View N;Res;

Site 1.76 ac

Quality Q2

Age 3
Comparahie 5

280 Highland Terr

Prox. to Suhiect 1.76 miles NE

Sale Frice 18,495.000

Gross Living Area 8,904

Totai Rooms 16

Total Bedrooms 10

Total Bathrooms 10.2

Location N;Res;

Wow N;Res;

Site 2.07 ac

Quality 02

Age 1
Comparable 6

770 Ocean Rd

Prox. to Subject 0.77 miles NE

Sale Price 14.900.000

Gross Living Area 3,152

Total Rooms 9

Total Bedrooms 4

Total Bathrooms 4.1

Location N;Res;

View N;Res;

Site 3.20 ac

Quality 02

Age 21

Photo From Perviouos Apprais

Case Document 66-1 Filed 11/30/17 Page 57 of 75

Photograph Addendum

 

Comp 1 Broker Photo

Comp 2 Assessor Photo

Comp 3 Broker Photo

 

Form GPICPIX - appraisa! software by a Fa mode. inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 58 of 75

Building Sketch (Page - Family Rm 11 3?
Enter
. -
Breakfast '1 10 9% Sun Room
I
22' 7'3. 7'
Ente
Pantry
33 Kitchen 
Garage Room Livlng Room 4;
Enter he
Ente
--We
Enter Ban
. Den
6 Den
Bedroom 1/2 Enter
Bath
Enter
68'
TOTAL a ?3 Area Calculations Summary
. 7 . . . l. 
Floor 3255 1536
rng?al?yi??l?ffa (Rounded): 3255 Sq ft
. . 
2 Car Attached 528 Sq 528

 

 

 

Form - appraisal software by a la mode, inc. -1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 59 of 75
Building Sketch (Page - 2)

Address

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  

 

 

Total lelng Area (Rounded): 2868 Sq ft

 

 

22?
a 85'
Bath
Bedroom Bedroom Bedroom
Bedroom Bedroom
Bath
M. 
CL Bath 
Bath 
?i 20' 14,
22' Bath
Bedroom Bedroom 3 CL Bath
Bath
33. 16!
TOTAL 5km" by a la Inc? Area Calculations Summary
:fijlulngwemf 'gam?f?aabgmj
Second Floor 2868 1534

 

 

Form - appraisai so?ware by a la mode, inc. - 1-800-ALAMDDE

Case Document 66-1 Filed 11/30/17 Page 60 of 75

Address

 

Building Sketch (Page - 3)

 

 

.9


1&3
is?

 

20'

 

Basement

   

 

. 8'
?5 .
50%? 
Storage
'3
22'

TOTAL Sketch by a la mode, inc.

 

 

Laundry

21'

Family Room

Rec Room

 

 

gl

14'

 

Massage Room

Utility

.87



 

 

68'

Area Catcullitions Summary

 

 

 

 

 

 

 

 

 

 

 

5 Ndn?f?i?n'gi??t?a
Basement

 

3255 0.5x2x2
8x2

14 22

43 20
27x9
48x32
14x2
103:2
0.5x2x2
0.5x2xz
11km
ZXS

3..
GNN

308
860
243
1536

MN


198


ca

 

Form - appraisal software by a la mode, inc. - 1-806-ALAMODE

 

Case Document 66-1 Filed 11/30/17 Page 61 of 75

Address

Building Sketch (Page - 4)

 

 

30' Pool House Fl

 

 

 

 

 

 

Wet Bar
Bath
'2 2%
Family Rm
Den
Enter Enter
30'
30' Pool House 2nd Fl
Bedroom Game Table
a? Family Rm 
Bedroom Bedroom

 

 

TOTAL Sketch by a la mode. Inc.

30'

 

 

Unde?ned Area

Third Floor

 

??B?m??Ar-ea

 



 

20k30 600

 

Form - appraisal software by a la mode. inc. - 1-800-ALAMODE

 

Case Document 66-1 Filed 11/30/17 Page 62 of 75

Subiect Aerial Location Map

 

 

 

6 Munrasc? (El 291-3 HERE

 

Form MAP.LOC - appraise} software by a la mode, inc. - 1-500-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 63 of 75

Location Map

Address

 

 

 

 

 

 

 

Bray

hing

?2.53 ?7 

 

Farm MAPLOG - appraisal software by a la mode. inc. - 

 

Case Document 66-1 Filed 11/30/17 Page 64 of 75
Market Conditions Addendum to the 9016235815

The purpose of is to with a accurate
This is a addendum with an effective date on or after 1 2009.

Address State NY Code 1
Borrower
Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions. and must provide support for those conclusions. regarding
housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fiil in all the information to the extent
it is available and reliable and must provide analysis as indicated below. it any required data is unavailable or is-considered unreliable. the appraiser must provide an
explanation. it is recognized that not all data sources will be able to provide data for the shaded areas below; it it is available. however. the appraiser must include the data
in the analysis. it data sources provide the required information as an average instead oi the median. the appraiser should report the available figure and identify it as an
average. Sales and iistings must be properties that compete with the subieci property. determined by apptying the criteria that would be used by a prospective buyer of the

The most anomalies in the such as seasonal new etc.
- 3 rend

 


Rate otat 4.00 Stabie

Total of Active
Months of otal . 
$6 Prior 7~12 Months Prior 4-6 Months Current 3 Months Overall Trend
Median Sale Price
Median Sales on Market
Median List Price
Median on Market
Median Sale Price as it. of List Price Stable
Seller builder etc financial assistance bio Stable

in detail the setter concessions trends tor the past 12 months setter contributions increased from 3% to increasing use of ciosing costs,

a factor in the market? Yes the trends in and sales

Cite data sources for above information.

Summarize the above information as support ioryour conclusions in the Neighborhood section the appraisal report torm. It you used any such as

an of sales and withdrawn both an and for conciusions.

lithe a the
7?12 Months Prior 4?6
otal# Sales
Rate otal Stable
Yotalr?olActive .
Months of Unit otal 7 -,
Are No liyes,
ioreciosed

Summarize the above trends and address the on the unit and

Name
Name Name

Address Address
State State State

Email Address Dougfein@aol.com Email Address
Freddie Mac orm Mae Form 1004MC

Form 1004M02 - appraisal software by a la mode, inc. - 1-800-ALAMODE

Case Document 66-1 Filed 11/30/17 Page 65 of 75

 

 

 

 

 

 

9016235816
USPAP ADDENDUM FileNo.R16-08638

Borrower Paul Manatort
Property Address 174 Jobs Ln
City Bridgehampton County Suffolk State NY Zip Code 11932
Lender The Federal Savings Bank

This report was prepared under the foliowing USPAP reporting option:

Appraise! Report This report was prepared in accordance with USPAP Standards Rule 

Ci Restricted Appraisal Report This report was prepared in accordance with USPAP Standards Rule 

 

 

Reasonable Exposure Time
My opinion of a reasonable exposure time for the subject property at the market value stated in this report is:

 

Estimate of Exposure Time: Based on statistical analysisand the examination of relevant sales history of comparable properties. the
reasonable exposure time for the subject type and value range is 5-15 months.

 

 

Additional Certifications

I certify that. to the best of my knowledge and betief:

have NOT performed services, as an appraiser or in any other capacity. regarding the property that is the subject of this report within the
three-year period immediately preceding acceptance of this assignment.

i HAVE penormed services. as an appraiser or in another capacity. regarding the property that is the subject of this report within the three-year
period immediately preceding acceptance of this assignment. Those services are described in the comments below.

- The statements of fact contained in this report are true and correct.

- The reported anatyse?s. opinions. and conclusions are limited only by the reported assumptions and limiting conditions and are my personal. impartial, and unbiased

professional analyses. opinions, and conclusions.

Unless othenrvise indicated, have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties

involved. -

- have no bias with respect to the property that is the subject at this report or the parties involved with this assignment.

- My engagement in this assignment was not contingent upon developing or reporting predetermined results.

- My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of

the client, the amount at the value opinion. the attainment of a stipulated result. or the occurrence of a subsequent event directly related to the intended use of this appraisal.

- My analyses. opinions. and conclusions were developed. and this report has been prepared. in conformity with the Uniionn Standards at Professional Appraisal Practice that

were in effect at the time this report was prepared.

- Unless otherwise indicated. have made a personat inspection of the property that is the subject ot this report.

. Unless otherwise indicated. no one provided significant real property appraisal assistance to the personis) signing this codi?cation (if there are exceptions, the name of each

individuat providing signi?cant real property appraisal assistance is stated eisewhere in this report).

 

 

Additional Comments

 

 

 

APPRAISEH: SUPERVISORY APPRAISER: (onty if required)

 

 

 

 

Signature: ?w Signature:

 

 

 

 

 

 

 

 

 

 

Name: Douglas Feinberq I Name:

Date Signed: 1010512016 Date Signed:

Stale Certification 45000043752 State Certi?cation 

or State License #2 or State License 

Stale: NY State:

Expiration Date 0: Certification or License: 0312112013 Expiration Date of Certification or License:

Effective Date of Appraisal: 10/0412016 Supervisory Appraiser inspection of Subject Froperty:

 

Did Not Exterior-only from Street interiorand Exterior

 

 

 

Form - appraisal software by a la mode. inc. 

Case Document 66-1 Filed 11/30/17 Page 66 of 75

License

 

 

 

Form . appraisal software by a la mode. inc. - 1-800-ALAMODE

Case 1

?ch

Document 66-1 Filed 11/30/17 Page 67 of 75

0 Insurance

Real, Estate membnal's
Ermrs and Omissions Policy

 

 

Declarations
Agehcy- Branch Pre?x :Pelicy Number . lljsumnoe'fs prewded by
07.8990 989' RFB 27611351118. .333 
A Stock Insurance. Company.
1. NAMEDINSUREDAND ems-re 

Douglas C. Feinberg'
135 Levels Street
Southampton. NY 11968

The Errors and? Omissions. Liabilitymverage

afforded petiqy?isbn-a ClaimsM'ade;
basis- Please reviewma porzcy?mrefutiy-
and discuss this cjwerag?e with your
'Insuxance agent or b?mker;

 

2. POLICY PERIOD: inception: 

Expiration: 0412612917

at 12:07'14. M. Standa?rti Time above;

 

3. ERRORS AND OMISSIONS 

 

A. Limits (if Liability; Each Claim: $1,000.000? Aggregate: $1,900,000
B. Disc?mina?on- Limits Of Liability $250,000
Deductmie: Each Claim: $2.500
FirstCoveiagaDate: 
5. Prior Acts-Date: 
4-. $500.00.?
DISCRIMINATION Sublimh): $0.00
TOTAL PREMIUM: $500.00

 

75. EXTENDED REPORTING PERIOD PREMIUM:

One Year; 50% of the Policy Premium:
"rt-nee Years: 180% of?the Policy Premiwu

 

09-2013
!1 36122-821133

mam?

 

Countetsignedhy Au?m?zed Representative

Form - appraisal software by a la mode. inc. - 

Case Document 66-1 Filed 11/30/17 Page 68 of 75

BROWNHARRIS STEVENS

Established i873

 

Dear Mr. Manafort

have previewed your home at 174 Jobs Ln in Bridgehampton. Based
on two recent sales, 461 Ocean Rd, Bridgehampton($ 14,995,000) and
34 Bay Lane, Water Mill ($12,995,000) we could list the home at an
asking price of $13,500,000. Please know I am not a licensed appraiser
this is based on your appraisal and the properties listed above.
The market has softened in this price range so it may take some time to
. i sellfbut you have many amenities that add value to the property.
A Please let me now if you would like to move forward and i will send you
I amarketing proposal.

  
 

 

{Sinf?relv'p

 

 

 

 

     

 

Case 

11/101'2017

HOME SEARCH AREAS

 

AGENTS ABOUT CONTACT US

Document 66- 1 Filed 11/30/17 Page 69 of 75

Jane Babcook Brown Harris Stevens

(USD) Change Currency

 

REGISTER LOGEN
MY PROPERTY BOOK

 

Enter wees, Title, Agent or Biog 

 

Jane gametes

Licensed a

ociate ReatE stat-e Broke:

jbabcoolr@bhshamptons.com
631?5374340 direct

631680-1001

cell

Bridgehampton Brokerage

My Sale Listings My Land Listings My Rental Listings My Career Sales Download V~Card

Specialties: Equestrian Properties. Waterfront

Highly respected in the Hamptons real estate industry, Jane joined the Bridgehampton brokerage of?ce of Brown Harris Stevens in 2015 after a real estate career spanning almost

two decades.

Throughout her career, Jane has consistentiy been a top producing agent and a leader in her community with an elite roster of national and international clients. Specializing in
luxury properties, Jane has been nationally recognized as a top agent with an enviable history of successtuiiy closing both high-end sates and rentals throughout the Hamptons.

Fluent in the compiexities of land acquisitions, waterfront properties. new construction. both historic and modern homes, equestrian properties, and more, inctuding the resolution of
building, zoning, environmental, ?nancing and titte issues that arise within each of these property types, Jane has a proven command of the local market that allows her to render

unparalleled service to her clients.

An avict equestrian, sailor and skier, and a full time resident of Sag Harbor for over 26 years, Jane is currently on the board of the Breakwater Yacht Club where she has served as
Vice Commodore, is a long standing member of the Sag Harbor Yacht Club, and is a member of the Architecturai Review Board for the neighboring Viilage of North Haven.

Jane Babcook

Brown Harris Stevens
2408 Main Street
Bridgehampton. NY 11932

Jane Babcook's Sales Listings

SAG HARBOR, NEW YORK

$18,750,000

Beds: 7 i Baths: 8  Halibaths: 1 Favorites
Acres: 1.1 Print

Sq. FL: 10000 I 
Quick View?



SAG HARBOR. NEW YORK
$10,900,000

51666

Beds: 5 Baths: 5 I Halfbaths: 1 Favorites
Acres: 0.4 Print
Sq. Ft: 7000 i Pool

Quick View?

EAST HAMPTON, NEW YORK
$9,250,000

WEBrit 39422

Beds: 4 Baths: 5 Favorites
Acres: 5.18 Print
Sq. Ft.: 3500 Pool

Quick View?

11/10/2017

WAINSCOTT, NEW YORK
$5,250,000 Just Reduced

24420

Beds: 7 Baths: 7 i Halfbaths: 2
Acres: 1.1 [80. of Hwy

Sq. Ft.: 7000 Pool

Quick View?

SAG HARBOR, NEW YORK
$4,495,000 Just Reduced

49381

Beds: 4 Baths: 4 Haltbaths: 2
Acres: 1

Sq. FL: 5500 Pool

Quick View?

SAG HARBOR, NEW YORK
$3,795,000

50567
Beds: 4 1 Baths: 4
Acres: 8.3

Sq. Ft.: 2400 Pool
Quick View?

Favorites
Print

Favorites
Print

Also for Rent
Favorites
Print



Jane rown arrl

WATER MILL, NEW YORK
$4,995,000

54144

Beds: 8 Baths: 8 I Halfbaths: 1
Acres: 1 Print
Sq. Ft.: 7000 Fact

Quick View?

Favorites

BRIDGEHAMPTON, NEW YORK
$4,295,000

51687

Beds: 7 Baths: 7 Favorites
Acres: 0.65 i Water View Print
Sq. Ft: 5200 Pool

Quick View?

EAST HAMPTON, NEW YORK
$3,250,000

53728
Beds: 6 Baths: 4
Acres: 0.2 Print
Sq. Ft: 1000

Quick View?

Favorites

Case Docu Page 70 of 75

SAGAPONACK, NEW YORK

$4,950,000

51951 Also for Rent
Beds: 6 Baths: 5 Hallbaths: 1 Favorites
Acres: 9 Print

Sq. FL: 5000 1 Pool Tennis

Quick View?

SHELTER NEW YORK

$3,995,000

55264 Also for Rent
Beds: 4 Baths: 3 Favorites
Acres: 0.56 Waterfront Print

Sq. Ft: 2400

Quick View?

SAG HARBOR, NEW YORK

$2,495,000

53945 Also for Rent
Beds: 4 1 Baths: 4 Halfbaths: 1 Favorites
Acres; 0.17 Print

Sq. FL: 2700 Pool

Quick View?

017

11/10/2017

BRIDGEHAMPTON, NEW YORK
$1,695,000 Just Reduced

36764 Also for Rent
Beds: 4 1 Baths: 3 Favorites
Acres: 0.58 Print

Sq. Ft.: 2400 Pool

Quick View?

Jane Babcook's Land Listings

WATER MILL, NEW YORK
$5,650,000

5238
Acres: 49,3 Favorites
Print

Quick View?

Jane Babcook's Rental Listings

SAGAPONACK, NEW YORK
July/Aug: $325,000, August: $165,000,
July: $160,000, Short?Term: $85,000

97613

Beds: 6 Baths: 6! Halfbaths: 1 Favorites
Acres: 2 Waterfront So. of Hwy Print
Sq. Ft.: 6100 PooE

Quick View?



SOUTHAMPTON, NEW YORK
$1,695,000 Just Reduced

32697

Beds: 3 Baths: 3 Halfbaths: 1
Acres: 1.4 Print
Sq. FL: 2240 1 Pool

Quick View?

Favorites

SOUTHAMPTON. NEW YORK
$375,000 in Contract

2492
Acres: 3.1 Favorites
Print

Quick View?

BRIDGEHAMPTON, NEW YORK
Year-Round: $295,000, $240,000,
July/Aug: $205,000, August: $135,000

94783

Beds: 5 Baths: 6 Halibaths: 1 Favorites
Acres: 2.26 So. of Hwy Print
Sq. Ft.: 5300 Pool 8. Tennis

Quick View?

Case Dmmemt?ewn ll?ilec?ii?EI?BO/N Page 71 of 75

WATER MILL, NEW YORK

$1,295,000

17012 Also for Rent
Beds: 3 Baths: 2 Favorites
Acres: 1 5 So. of Hwy Print

Sq. FL: 1400 Poo}

Quick View?

SAGAPONACK, NEW YORK
Year-Round: $225,000, $185,000,
Juiy/Aug: $170,000, June/July: $100,000.

70986

Beds: 5 Baths: 5 Favorites
Acres: 2.75 Print
Sq. Ft.: 4000 i Pool &Tennis

Quick View?

317

41/10/2017

WATER MILL, NEW YORK
MD-LD: $185,000, JulyfAug: $135,000,
August: $85,000. Juiy: $70,000

91415
Beds: 7 183015: 6 Halfbaths: 1 Favorites
Acres: 1 ISO. of Hwy Print

Sq. Ft.: 4500 1 Pool
Quick View?

SAG HARBOR, NEW YORK
MD-LD: $95,000, August: $48,000, Juiy: $40,000

61384

Beds: 4 [Baths: 3 Favorites
Acres: 0.85 Print
Sq, Ft: 3000 i Pool

Quick View?

SHELTER NEW YORK
JunelJuly: $75,000. August: $57,000, July: $40,000,
Shor?t?Term: $15,000

90606 Also for Sale
Beds: 4 Baths: 3 Favorites
Acres: 0.56 Waterfront Print

Sq. FL: 2400

Quick View?



SAG HARBOR, NEW YORK
Year-Round: $125,000, MD-LD: $85,000,
July/Aug: $70,000, August: $40,000,

97867 Also for Sale
Beds: 4 Baths: 4 i Halfbaths: 1 Favorites
Acres: 0.17 Print

Sq. Ft: 2700 i Pool

Quick View?

BRIDGEHAMPTON, NEW YORK
'Juiyr'Aug: $85,000, August: $45,000, July: $40,000

61223

Beds: 4 Baths: 4 Favorites
Acres: 0.57 Print
Sq. Ft: 2800 i Pool

Quick View?

BRIDGEHAMPTON, NEW YORK

August: $75,000. Short-Term: $40,000

82148

Beds: 4 i Baths: 3 Favorites
Acres: 5 Print
Sq. Ft.: 4500 Pooi

Quick View?

Case Page 72 of 75

SAG HARBOR, NEW YORK
MD-LD: $115,000, July/Aug: $95,000.
August: $50,000, July: $45,000

85254 Also for Sale
Beds: 4 Baths: 4 Favorites
Acres: 8.3 Print

Sq. Ft.: 2400 1 Pool

Quick View?

SAG HARBOR, NEW YORK
MD-LD: $85,000, July: $35,000, June: $20,000

89638

Beds: 4 Baths: 4 Haiibaths: 1 Favorites
Acres: 0.51 Print
Sq. Ft.: 3000 Pool

Quick View?

EAST HAMPTON, NEW YORK
MD-LD: $72,000, July/Aug: $65,000.
June/Juiy: $45,000, August: $35,000. Juiy: $30,000

97659
Beds: 6 Baths: 5 Favorites
Acres: 0.28 So. of Hwy Print

Sq. Ft: 3000 Pool
Quick View?



11110/2017 Case Page 73 Of 75

NORTH HAVEN, NEW YORK SAG HARBOR, NEW YORK BREDGEHAMPTON, NEW YORK

JulylAug: $68,000, August: $34,000, July: $34,000 Year-Round: $65,000, August: $19,500 $60,000, July: $20,000

87422 72161 58862

Beds: 4 I Baths: 2 I Haitbaths: 1 Favorites Beds: 3 I Baths: 2 I Halfbaths: 1 Favorites Beds: 2 Baths: 2 Favorites
Acres: 2 Print Acres: 0.11 Print Acres: 0.59 Print
Pool 8; Tennis Sq. FL: 2000 Sq. Ft.: 1426 I Pool

Quick View? Quick View? Quick View?

SAGAPONACK, NEW YORK SAGAPONACK, NEW YORK SAGAPONACK, NEW YORK

August: $55,000 July/Aug: $50,000, July: $24,000 Short-Term: $50,000

81820 68461 76378

Beds: 6 I Baths: 5 Favorites Beds: 3 I Baths: 3 Favorites Beds: 5 I Baths: 4 Favorites
Acres: 2 Print Acres: 1 Print Acres: 2.02 I Waterfront So. of Hwy Print
Sq. Ft.: 5000 I Pool Sq. Ft.: 2200 I Pool Sq. Ft.: 4500 I P0018. Tennis

Quick View? Quick View? Quick View?

SAG HARBOR, NEW YORK SAG HARBOR, NEW YORK BRIDGEHAMPTON, NEW YORK

MD-LD: $40,000, JulylAug: $30,000. August: $35,000, Short?Term: $25,000 August: $28,000, Short-Term: $28,000
JunelJuly: $27,000, August: $18,000, July: $15,000

81329 82102 weer: 87516

Beds: 2 Baths: 1 Favorites Beds: 3 Baths: 2 I Haifbaths: 1 Favorites Beds: 4 I Baths: 3 Favorites
Acres: 0.1 Print Acres: 4 I Waterfront Print Acres: 091 Print
Sq. Ft.: 1000 Sq. FL: 1740 Poof Tennis Sq. FL: 2000 I Pool

Quick View? Quick View? Quick View?

517

11/10/2017 Case Demm??ewn Page 74 of 75

SOUTHAMPTON VILLAGE, NEW YORK WATER MILL, NEW YORK
MD-LD: $25,000, August: $12,500, July: $12,500 Rented

61741 70546

Beds: 2 1 Baths: 1 Favorites Beds: 3 1 Baths: 2

Acres: 1 Print Acres: 1 So. of Hwy

Sq. Ft.: 1700 Sq. Ft: 1400 Pool

Quick View? Quick View?

BRIDGEHAMPTON, NEW YORK
Rented

74629

Beds: 3 Baths: 3 Haifbaths: 1 Favmites
Acres: 05 Print
Sq. Ft.: 2500 Pool

Quick View?

Jane Babcook's Career Sales

Jane Babcook represented the seiier. the buyer or both on the sold property transactions listed below.

131 Lockwood Avenue, Bridgehampton Last Asking Price: $5,295,000
18 Howard Street. Sag Harbor Last Asking Price: $3,995,000

18 Oakland Avenue. Sag Harbor Last Asking Price: $3,995,000
185 Hildreth Lane, Bridgehampton Last Asking Price: $3,750,000
19 Howard Street, Sag Harbor Last Asking Price: $3,395,000

51 Brandy/wine Drive, Sag Harbor Last Asking Price: $2,995,000
78 Round Pond Lane. Sag Harbor Last Asking Price: $2,805,000
12 Ludlow Green, Bridgehampton Last Asking Price: $2,675,000
8 South Harbor Drive, Sag Harbor Last Asking Price: $2,395,000
09 Redwood Road, Sag Harbor LastAsking Price: $2,275,000

6 Winding Way, Water Mitt Last Asking Price: $1,695,000

30 Bayview Avenue, Sag Harbor Last Asking Price: $1,399,000



Also for Beta
Favorites
Print

BRIDGEHAMPTON, NEW YORK
Rented

60070

Beds: 5  Baths: 3
Acres: 1 So. of Hwy
Sq. Ft.: 2500 i Pool
Quick View?

Favorites
Print

61"?

11/10/2017 Case Do?H?9QBo??eiownEiia?Q gg??Q/U Page 75 of 75

258 Ferry Road, North Haven Last Asking Price: $1,295,000
66 Franklin Avenue, Sag Harbor Last Asking Price: $1,125,000
475 Toppings Path, Sagaponack Last Asking Price: $1,050,000
16 Arthur Avenue, Bridgehampton Last Asking Price: $895,000
1580 Sagg Road, Sag Harbor Last Asking Price: $775,000

64 Long Beach Lane, Sag Harbor Last Asking Price: $565,000

59 Wickatuck Drive, Sag Harbor Last Asking Price: $475,000

Bridgehampton East Hampton Sag Harbor Southampton Westhampton Greenport
631.537.2727 631.324.6400 631.725.2250 631.287.4900 631.288.5500 631 .47710551

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bhshamplonscom is an all-in-one real estate site that gives you the local scoop about Hamptons homes for sate. Hamptons vacation rentals, vacant land, investment and commercial reai estate. and all types of North
Fork properties to help you ?gure out exactly what. where, and when to buy, sell. or rent. You can also ?nd a real estate agent. and get information about the neighborhood Get in touch with our real estate agents for

advice and opinions.

We Specialize in:
Bridgeharnpton Real Estate East Hampton Real Estate Montartk Rea! Estate North Fork Real Estate Quogue Rea? Estate Sag Harbor Real Estate
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The Hamptons - one of tho most celebrated resort areas in the world - is renowned for the strength of its luxury real estate market. Brown Harris Stevens is the leading real estate ?rm offering Hamptons homes for
sate. waterfront estates, Hamptons summer rentals, vacant land, investment and commercial properties. We aiso otter every type of property on the North Fork, known for its dramatic waterfront properties, vineyards,
open farmland and quaint villages. Our experienced agents are experUy quali?ed to assist with navigating through the many choices associated with buying, setting or renting Hamptons real estate and North Fork real
estate. Brown Harris Stevens is the exclusive af?liate of Christie's international Root Estate in the Hemptons, the North Fork, New York City and Paim Beach.

All information is ircrn sources deemed reliable but is subject to errors. omissions, changes in price. prior sale or withdrawat without notice. No representation is made as to the accuracy of any description. All
measurements, square iootages, acreage and property taxes are approximate and ail information should be con? nnod by customer. All rights to content, photographs and graphics reserved to Broker. Customer should
consult with its counsel regarding alt closing costs, including without timitation the New York State 1% tax paid by buyers on residential properties over $1 million and the Peconic transfer tax of approximately 2% paid
by buyers. Broker represents the seller/owner on Broker?s own exclusives, except if another agent of Broker represents the buyer/tenant, in which case Broker will be a duat agent with designated agents representing
seller/owner and huyeriienent. Broker may represent either the buyer/tenant or the seiien'landiord when showing the exctusives oi other real estate ?rms. Broker actively supports equat housing opportunities. Brown
Harris Stevens ofthe Hamptons. LLC and Brown Harris Stevens Westhampton North Fork, LLC.

2013 Terra Holdings. Terms of Use

7?7

UNITED STATES OF AMERICA

MCI?Rappor?i?

Case Document 66-2 Filed 11/30/17 Page 1 of 2800-936
_Rev. 7/87

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA

5.5

.
fl


APPLICATION To PLEDGE REAL PROPERTY T0 SECURE RELEASE 0N BOND

V.



. .

?Criminal Numbef 






Name(s) of person(8) offeri?g real property for appearance or

surety bonds:

kij??5CZMuD diva. /%n?9172aL l? Ih4ayuoggor?"

 

 

c0 2:000:51 201 Far't?)

[0 faunas Dr. A 


 

Location Of property offered (address and brief description

of property):

?23 Bay??er Sf FD NVC. 

 

 

Person(s) and address(es) in whOSe'hame property is aSs?Ssed:

6&2. above. I

 

 

Mortgage, liens, encumbrances bf any kind On such prop?rty
and the interest held in such property by anyone other than
the person(s) in name the property is assessed:

Marty-.32 +0 Moolewn, LLC aQaSt'eoQ A03, 74 10/7

 

 

Assessed value of property: Suf?gzggil?d?z;129

Mortgage, liens, encumbrances 0:7 other interests (total)

5 ll. 07?51. 00C). 00

(over)

Case Document 66-2 Filed 11/30/17 Page 2 of 28

8. Net assessed value of property (line 6 less line 7):

$?1g?ha?iyg -. ?7 

9. .Amount required for appe.arance or surety bonds:

3 70C) DOC) OO 4.. - . 

There must be attached to this form a certificate from the
.Assessox?s Office of the 'Distriot of Columbia, indicating the
-square zuui lot numbers, street address, current assessed value,
and in whose name the property is aesessed.

If the amount shown on line 8 (listed above) exceeds that
shown on line 9 then the property, if qualified in all other
respects, is adequate to secure the bond in question.

if 1* l" 1' 

AFFIDAVIT IN SUPPORT TO APPLICATION TO PLEDGE REAL PROPERTY TO
SECURE RELEASE OF DEFENDANT ON BOND

I declare under penalty of perjury that the information
on this application is true and certeet.

I also warrant under oath that, subsequent to the execution
of deed of trust on the property deacribed in this application

to secure the release of:

ManaF0r+

and prior to reoordation of said deed, no other deed of any kind
will be executed by me or will this property be further encumbered

 

in any way. 
fey/HUD, LLC by Kathleen B. Hamper

Witness my hand and seal 
Subscribed and sworn to bl%& ame thfda'w?iFoeray of 

19

 

 

CLERK, 0.8. DISTRICT COURT

Case Document 66-2 Filed 11/30/17 Page 3 of 28

RESOLUTION OF
JESAND, LLC

The Member and Manager of esand, LLC (the Company) having met and waived the
requirement of notice, if any, do hereby resolve on this 13th day of November, 2017, as follows:

1. The Company, through its Member, be and is hereby authorized and entitled to pledge its
assets as security for the pledge of bail for the bene?t of Paul J. Manafort in his criminal
proceeding before the United States District Court of the District of Columbia bearing
Case No. 

2. The Company, through its Member, shall be entitle to enter into any agreement,
understanding, deed of trust, securitization or otherwise to further advance the purpose of
Paragraph 1, hereof without further meeting of the Membership or Management.

3. All prior acts of the Company are hereby rati?ed and incorporated herein.

4. No further business.

 

Kathleen Manafort, Member/Manager

Case Document 66-2 Filed 11/30/17 Page 4 of 28

United States of America V. Paul Manafort
Crim No:17 ?20101 

Rider to Appilcation to Pledge Real Pronertv to Secure Release on Bond
5. 174 Jobs Lane, Bridgehampton N.Y. has a mortgage to Federal Savings Bank
dated November 16, 2016 in the amount of $9,500,000.

601 N. Fairfax Street, Alexandria, Va is encumbered by a deed of trust to
Federal Savings Bank as collateral for the mortgage on 174 Jobs Lane.

123 Baxter Street, New York, N.Y. has a mortgage to Woodlawn LLC dated
August 7, 2017 in the amount of $1,025,000.

10 St. James Drive, Palm Beach Gardens FL has no encumbrances.

6. Assessed Value:

174 Jobs Lane, Bridgehampton $13,500,000

123 Baxter Street, New York 4,725,000

601 N. Fairfax Street, Alexandria 2,700,000

10 St. James Drive, Palm Beach Gardens 1,250,000

Total $22,175,000

7. Mortgages, liens, encumbrances or other interest: $10,525,000
8.Net assessed value: $11,650,000
9.Amount required for appearance or surety: $10,000,000

Line 8 exceeds Line 9.

Case Document 66-2 Filed 11/30/17 Page 5 of 28

AD Etta?: (Ravi-9173399) to Fcrfeit Real ta Ghtain 11 Defeadam?s Retails:

UNITED STATES DISTRICT COURT

 

for the
United StateIGFB 3)
Case N0.
Pa 0 I angle rT 
Dc?ndmz! 

AGREEMENT TO FGRFEIT REAL PROPERTY TO OBTAIN A RELEASE

To thtil it the defendant?s release, we?iaintly and severally agree to forfeit the following property it: the United States
ofAtz-tcrica iftitis defendant fails it) appear as rmquirtrd for any court proceeding or far the service ofany imposed
as may be malice-d or ordered by arty court censitlering this matter, er fails it) camply with any conditions ofrelease set by

the (Kiwi. (tiascri?e prapmy mm? any cim?m, z'z'w, :ztartgage, or when? Encumbralictr an it):

l2?) (Earlier Slfae?l?) Uni-l- SD, Nil?(J L/orlg New ?rk 4.9
More ?25Crll?eop llA checQ
0.32 +0 Wanna? lawn, LLC 603+on 20!?

Amou?l?I if oo.

Wt: declare under penalty of perjury that we are this pmperty?s sole: owners and that it is not $Ubj??t
to any claim, tien? mortgage, or other encumbrance except as above. We promise not to sell, mortgage, 0r
encumber the; pmp?t?l)?, at dc: anything it) reduce its value while this agreement is in effect. Wt: deposit with the
man that ltilltiwing tiacuments, including any encumbrance documents (its: aildacumam: as Watchman):

I. Olafliac? October l8, Z007
aQa?l?Qc? Avj 7, 
3. Valua. tOrL

Surety We understand that the court and the United States of America will rely on the surety
informatien in. appmving this agreemcnt.

Camz?in?am of?eiease. We state that wa have either mad all ceurt-erderad conditiens of release ?ll the
defendant tit lit-1d explained to us.

Cmu?mmg :1 gremwm. tiniess the {utters atherwisc, this agreement remains in effect during any appeal or
Gill?l? review until the ?et?ndant has satisfied all court noticasq, orders, and conditians.

Exozm?an?an QfaS'ztreties. This agreement is satisfied and ends if the is {tmrt?crattid an all charges car, if
convicted; the defendant reparts to serve: any sentence imposed.

Forfeiture. If the defendant fails to obey all canditimts of release, CGill?i notices, and orders to appear, the coat:
will imme?iately (121113?th property and on metien at? the United States of America may meter ajudgment of
forfeiture against the signing parties and their representatives, and saverally, interest and costs.

Case Document 66-2 Filed 11/30/17 Page 6 of 28

Page 2 0f 2

 

AG 190 (Ram. to Forfeit Rena: Prop-em lo 02min 3 D?fez?a??a?t's 

 

I swear under panalty that {ha above information is true and agree to the conditiens ofthis agreement.

"Date:

 

 

?e?ndam {ya progwgr mmgr)

City and state:

 

?1264qu, LLC by Mam?orf

 

 

 

 

Proparzy owlwr ?5 pr?tmd name Property owner ?5 signatur?t
Pragergv mmar ?5 primed Hams: Prayer? owner 25' signamre
mvner is? primed name Prawn}! mwxer ?3 sigmuure

Sworn and signed before me.
CLERK OF COURT

Date:

 

 

Signature afocrk arr Deputy Clerk

Agrcamcm accepted.
UNITED 5714 T55 0F 

Dale:

 

 

United 3:019: A Mummy 1: signamre

Agreement approved.

Dale:

 

 

Judge '5 signamw

Case Document 66-2 Filed 11/30/17 Page 7 of 28

 

 

 

123 Baxter Street, Unit 5D, NY, NY

DEED

Case Document 66-2 Filed 11/30/17 Page 8 of 28

UNIT DEED

THIS INDENTURE, made the 19 day of October 2007 between Baxter Condo Sales
LLC having an of?ce at c/o Narczen O9 28'h Road, Flushing, NY 1 1354 ?Grantor? and
JESAND, LLC and Andrea L. Manafort, residing at 123 Baxter Street, Unit 5D, New York, New
York 10013 ?Grantee?.

WITNESSETH:

That the Grantor, in consideration of Ten Dollars and other valuable consideration paid by
the Grantee, does hereby grant and release unto the Grantee, the heirs or successors and assigns of
the Grantee, forever:

The Condominium Unit known as Unit No. 5D (hereinafter called the ?Unit?) in the
Building known collectively as Baxter Street Condominium and 123 Baxter Street, Borough of
Manhattan, City, County and State of New York, (the ?Building?) designated and described in the
Declaration establishing a plan for condominium ownership of the Building and the land upon
which the Building is situated (said Building and land referred to collectively herein as the
?Property? or the ?Condominiurn?), dated September 21, 2007, under the Condominium Act of the
State of New York (Article 9-8 of the Real Property Law of the State of New York), recorded in the
Of?ce of the Register of the City of New York, in the County of New York, on the 28th day of
September, with a CRFN 2007000498520 (the ?Declaration?). The Unit is also designated as Tax
Lot No. 1122 in Block 206 of the Borough of Manhattan on the Tax Map of the Real Property
Assessment Department of the City of New York and on the ?oor lens of Buildings, certi?ed
by Hal Dorfman Architects, licensed professional architects, on Eli! - jg, ?led in the
Register?s Of?ce of New York County on September 28, 2007.

The land on which the Building is located is described as follows:

ALL that certain lot, piece or parcel of land, with the buildings and improvements thereon
erected, situate, lying and being in the Borough of Manhattan, City of New York, County of New
York and known and designated as and by the street number 123 Baxter Street, Borough of
Manhattan, New York, New York, being more particularly bounded and described as follows:

BEGINNING at a point formed by the intersection of the southerly side of Hester Street and
the easterly side of Baxter Street;

THENCE southerly along the said easterly side of Baxter Street at an interior angle of 90
degrees 59 minutes 40 seconds at distance of 125 feet 4% inches;

THENCE easterly from said point on the easterly side of Baxter Street at an interior angle of
38 degrees 53 minutes 20 seconds a distance of 100 feet 41/2 inches to a point;

THENCE northerly from said point at an interior angle of 91 degrees 00 minutes 10 seconds
a distance of 25 feet 2 inches;

THENCE westerly at an interior angle of 89 degrees 06 minutes 20 seconds a distance of 25
feet 4 inches;

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Case Document 66-2 Filed 11/30/17 Page 9 of 28

THENCE northerly at an interior angle of 91 degrees 02 minutes 30 seconds a distance of
100 feet 0 inches to the southerly side of Hester Street;

THENCE westerly along the southerly side of Hester Street at an interior angle of 88
degrees 57 minutes 30 seconds a distance of 75 feet 1 inch to the easterly side of Baxter Street the
point or place of BEGINNING.

. PARCEL A

ALL THAT CERTAIN plot, piece or parcel of land, with the buildings and improvements
thereon erected, situate, lying and being in the Borough of Manhattan, City, County and State of
New York, being distinguished on a Map of Bayard East Farm ?led in the Of?ce of the Secretary of
State by the Lot number 494 and by the same number on a Map of Lands of the City of New York,
belonging to the Estate of Stephen Van Renselaer, deceased, ?led in the Of?ce of the Register of
the County of New York, which said plot is bounded and described as follows:

BEGINNING at a point on the easterly side of Baxter Street, distant 100 feet southerly from
Hester Street;

RUNNING THENCE easterly 100 feet 8 inches;
THENCE southerly in the rear 25 feet;
THENCE westerly 100 feet 8 inches to Baxter Street;

THENCE northerly along the easterly side of Baxter Street 25 feet 2 inches to the point or
place of BEGINNING.

PARCEL 

ALL THE CERTAIN plot, piece or parcel of land, with the buildings and improvements
thereon erected, situate, lying and being in the Borough of Manhattan, City, County and State of
New York, bounded and described as follows:

BEGINNING at the corner formed by the intersection of the easterly side of Baxter Street
and the southerly side of Hester Street;

THENCE southerly along the easterly side of Baxter Street, one hundred feet;
THENCE easterly parallel, or nearly so, with the southerly side of Hester Street, 75 feet;

THENCE northerly parallel, or nearly so, with Baxter Street, one hundred feet more or less
to the southerly side of Hester Street;

THENCE westerly along the same 75 feet 1 inch, more or less, to the point or place of
BEGINNING.

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Case Document 66-2 Filed 11/30/17 Page 10 of 28

TOGETHER with an undivided 4.65% interest in the Cemmon Elements (as such term is
de?ned in the Declaration) appurtenant to the Unit (hereinafter called the ?Common Elements?);

SUBJECT to an easement in common with all other Unit Owners to use, install, operate,
maintain, repair, alter, rebuild, restore and replace the Common Elements, and any pipes, wires,
ducts, vents, cables, conduits, or other lines, equipment or facilities forming a part of or related to
such Common Elements, located in, over, through, under or upon the Unit, other Units, the
Common Elements, or other parts of the Property, provided that access to any Unit or the Common
Elements in furtherance of such easement shall be exercised in such a manner as will not
unreasonably interfere with the use thereof for dwelling, home occupation, or other lawful purposes;

SUBJECT to the rights, obligations, easements, restrictions and all other terms, covenants,
conditions and provisions of the Declaration and By-Laws and Floor Plans ?led therewith, as the
same may be amended from time to time by instruments recorded or ?led in the Of?ce of the
Register of the City of New York, in the County and State of New York, all of which, together with
any amendments thereto, shall constitute covenants running with the land and shall bind any person
having at any time any interest or estate in the Unit, as though recited and stipulated at length
herein;

SUBJECT to covenants, restrictions and declarations recorded in the of?ce of the Register
of the City of New York, County of New York.

SUBJECT also to easements in favor of other Units and in favor of the Common Elements
for the continuance of all encroachments of such other Units or Common Elements on the Unit, now
or hereafter existing as a result of the repair or restoration of the Building (or any portion thereof) or
of any other Unit or of the Common Elements, after damage or destruction by ?re or casualty or
after taking in condemnation or eminent domain proceedings, or by reason of an alteration or repair
to the Common Elements made by or with the consent of the Condominium Board or by the
Grantor, or its designee and its respective successors, and assigns, or any Unit Owner in accordance
with the Declaration and the By-Laws so that any such encroachments may remain so long as the
Building shall stand;

SUBJECT also to an easement in favor of other Units to use, install, operate, maintain,
repair, alter, rebuild, restore and replace such other Units and any pipes, wires, ducts, vents, cables,
conduits, ?nes, or other lines, equipment or facilities forming a part of or related to such other Units
located in, over, through, under or upon the Unit, other Units, the Common Elements or other parts
of the Property, provided that access to any Unit or the Common Elements in furtherance of such
easement shall be exercised in such a manner as will not unreasonably interfere with the use thereof
for dwelling, home occupation, or other law?il purposes;

SUBJECT also to existing easements and the right reserved in the Declaration to establish,
grant and create additional utility easements, in favor of any utility company fer construction, use,
maintenance, repair and replacements of all utility lines, wires, terminal boxes, mains, pipes, cables,
conduits and other equipment and facilities in, under, over and across the Property;

SUBJECT also to Such other liens, agreements, covenants, easements, restrictions and other
matters of record as pertain to the Unit and/or the Property.

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Case Document 66-2 Filed 11/30/17 Page 11 of 28

SUBJECT to any state of facts an accurate survey and inspection of the Unit would show;

TO HAVE AND TO HOLD the same unto the Grantee, and the heirs or successors and
assigns of the Grantee, forever.

The use for which the Unit is intended is that of a one-family residence, subject to
restrictions set forth in the Declaration, By?Laws and applicable law.

The Grantor covenants that the Grantor has not done or suffered anything whereby the Unit
has been encumbered in any way whatsoever, except as aforesaid.

The Grantor, in compliance with Section 13 of the Lien Law, covenants that the Grantor will
receive the consideration for this conveyance and will hold the right to receive such consideration as
a trust fund for the purpose of paying the cost of the improvement and will apply the same ?rst to
the payment of the cost of the improvement before using any part of the same for any other purpose.

The Grantee accepts and rati?es the provisions of the Declaration and the By-Laws of the
Condominium recorded simultaneously with and as part of the Declaration and agrees to comply
with all the terms and provisions thereof, as the same may be amended from time to time by
instruments recorded in the Of?ce of the New York City Register, County of New York, and to
comply with the rules and regulations of the Condominium.

The terms ?Grantor? and ?Grantee? shall be read as ?Grantors? and ?Grantees? whenever
the sense of this deed so requires.

IN WITNESS WHEREOF, the Grantor and the Grantee have duly executed this deed the
day and year ?rst above written.

GRANTOR: GRANTEE:

    

Baxter Condo Sales LLC JESAND, 

By. Narczen, LLC, ganager 3 

 

Member/Manager

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Case Document 66-2 Filed 11/30/17 Page 12 of 28

 

 

 

 

123 Baxter Street, Unit 5D, NY, NY

MORTGAGE

 Document 66-2

Filed 11/30/17 Page 13 of 28


l?l

 



When recorded, return to:

Title Order No; FN-13390-NY

tSpaeoAt-iove This Line For Recording Date}

New VOTK
Bl KI 20b
Lot-I ll '22.
Umtfso

 

MORTGAGE

Borrower has executed a Promissory Note in connection herewith and made payable to the order of
Lender in an amount of One Million 'I'wenty I-?iye Thousand Dolhus (Sl.025.000.00). plus interest at the
rate provided therein (the ?Note?l. Additionally. Andrea Manofort. us co-owner. has executed this
Mortgage for the purposes of providing Lender with a ?rst Mortgage position.

Borrower desires to secure the prompt payment of the indebtedness amt interest evidenced by the Note.
and the due. prompt and complete observance. performance and discharge of each and every obligation.
covenant and agreement set forth in the Note. in this Mortgage. and in any other Man Documents (as
hereinafter de?ned). For purposes of this Mungage. the Note and any documents executed or delivered in
connection with the Note are referred to collectively herein as the "loan Documents:? provided. however.
any environmental indemnity or environmental indemnity agreement. executed by Borrower or any other
persons in connection with the Loan. shall in no event constitute a Loan Document for purposes of this

Mortgage.

MORTGAGE

WORDS USED OFTEN tN THIS DOCUMENT

(A) "Security Instrument." This document, which is dated August 7. 2017. together with ail Riders
document. wil! be called the ?Security Instrument."

(Bi "Borrower." Jesand, LLC. For purposes of this mortgage. Andrea Manalort shall atso be termed "Borrower" although
she shall not be indebted on the Note and executes this document in order to provide security and collateral

for the loan.

whose address is

cro BRUCE E. BALDINGER. ESQ, 365 South Street. Morristown. NJ 07960.

sometimes will he called ?Borrower" and sometimes simply or 
(C) "Lender" is Woodlawn. LLC. Lender is an individual with an address of 323 W. Nye Lane. Ste 129. Carson City.

Nevada 89706. Lender is the mortgagee underthis Security Instrument.

(D) "Note." The note signed by Borrower and dated August 7. 2017

to this

will be called the ?Note." The Note

 

 

 

Case Document 66-2 Filed 11/30/17 Page 14 of 28

shows that owe Lender one MILLION AND FIVE THOUSAND 001100 Dollars was.
51.025.000.00) ptus interest and other amounts that may be payable. have promised to pay this debt in Periodic
Payments and to pay the debt in full by December 31. 2017 unless otherwise extended In writing.

"Property." The property that is described below in the section titled ?Description of the Property." wilt be called the
roperty."
(F) "Loan." The "Loan" means the debt evidenced by the Note. plus interest. late charges due under the Note. and all
sums due under this Security Instrument. plus interest.
(6) "Sums Secured." The amounts described above order the ?Note? Sedhn. sometimes will be called the "Sums
Secured."
I "More." All Riders attached to this Security Instrument that are signed by Borrower will be called "Riders." The
following Riders are to be signed by Borrower [check box as applicable]:

Adjustable Rate Rider Condominium Rider l3 Second Home Rider

(J) "Applicable Law." All controlting applicabie federat. state and Iocat statutes. regulations. ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable ?nal. non-appealahte. judicial opinions
will be called "Applicable Law."

(K) "Community Association Dues, Fees. and Assessments." All dues. fees, assessments and other charges that are
imposed on Borrower or the Property by a condominium association. homeowners association or similar organization will

be called "CommunityAssoctation Dues. Fees. and Assessments."

(L) "Electronic Funds Transfer." "Electronic Funds Transfer' means any transfer of money. other than by check. draft,

or similar paper instrument, which isinitiated through an electronicterminat. telephonicinstrument. computer. or magnetic
tape so as to order. instruct. or authorize a ?nancial institution to debit or credit an account. Some common examples of

an Electronic Funds Transfer are point-of-sale transfers (where a card Such as an asset or debit card is used at a mer-
chant), automated teller machine (or ATM) transactions. transfers initiated by telephone. wire transfers. and automated
clearinghousetransfers.

(M) "Escrow items." These items that are described in Section 3 will be called "Escrow Items,"

(N) "Miscellaneous Proceeds." "Miscellaneous Proceeds" means any compensation. settlement. award of damages.

or proceeds paid by any third party (otherthan InSurance Proceeds as de?ned in. and paid under the coverage described

in Section 5) for: damage to. or destruction of. the Property: (ii) Condemnation or other taking of all or any part of the
Property; conveyance in lieu of Condemnation or sale to avoid Condemnation; or (iv) misrepresentations of. or omis-
sions as to. the value andlor condition of the Property. A taking of the Property by any governmental authority by eminent
domain is known as ?Condemnation.?

(0) "Mortgage Inaurance." "Mortgage Insurance" means insurance protecting Lender against the nonpayment of. or
default on. the Loan.

(P) "Periodic Payment." The regularly scheduled amount due for principal and interest under the Note. and (ii) any
amOunts under Section 3 will be called "Periodic Payment.?

(0) means the Real Estate Settlement Procedures Act 1 2 U.S.C. ?2601 et seq.) and its implementing
reguiation. Regulation (12 C.F.R. Part 1024). as they might be amended from time to time. or any additional or succes-

sor legistation or regulation that governs the same subject matter. As used in this Security Instrument. refers to

all requirements and restrictions that are imposed in regard to a "federally related mortgage toan" even if the Loan does

not qualify as a ?federally related mortgage loan" under RESPA.

(R) "Secretary" means the Secretary of the United States Department of Housing and Urban Development or his
designee.

(5) "Deposit Account Ag reement" shail mean that certain Deposit Account and Security Agreement (Borrower's Funds
Account] of even date herewith. providing Lender with a ?rst tien security interest in the Borrower?s Funds Account and the
"Pledged Funds" (as de?ned in the Deposit Account Agreement [Borrower?s Funds Accountl) deposited therein.

DESCRIPTION OF THE PROPERTY
I give Lender and Lender's successors and assigns rights in the Property described in
(A) through (G) below:
(A) The Property which Is located at 123 Baxter Street. Unit SD. New York
(Street) (City. Town or Village)
New York
{th Code]

This Property isin New York County. It has the following legal description:
SEE LEGAL ATTACHED HERETO AND MADE A PART HEREOF AS 
APN Block: 206 Lot: 1122

 

 

 

Case Document 66-2 Filed 11/30/17 Page 15 of 28

(B) All buildings and other improvements that are located on the Property described in subsection (A) of this section;

(C) All rights in other property that I have as owner of the Property described in subsection (A) of this section. These
rights are known as "easements and appurtenances attached to the Propertyf?

(D) All rights that have In the land which lies in the streets or roads in front of. or next to. the Property described in
subsection (A) of this section;

(E) All ?xtures that are new or in the future will be on the Property described in subsections (A) and (B) of this section:
(F) All of the rights and property described in subsections (8) through (E) of this section that I acquire in the future; and

(G) All replacements of or additions to the Property described in subsections (8) through (F) of this section and alt
Insurance Proceeds for loss or damage to. and all Miscellaneous Proceeds of the Property described in subsections

(A) though (F) of this section.

RIGHT To MORTGAGE THE PROPERTY AND TO DEFEND OWNER
SHIP OF THE PROPERTY

I promise that: (A) lawfully own the Property; (B) I have the right to mortgage. grant and convey the Property to Lender:
and (C) there are no outstanding claims or charges against the Property, except for those which are of public record.

I give a general warranty of title to Lender. This means that I will be fuliy responsible for any losses which Lender suffers
because someone other than myself has some of the rights in the Property which I promise that I have. I promise that
i will defend my ownership of the Property against any claims of such rig his.

LANGUAGE SECURITY 

This Security Instrument contains promises and agreements that are used in real property security instruments all over
the country. It also contains other promises and agreements that vary in different parts of the country. My promises and
agreements are stated in ?plain language."

COVENANTS
I promise and i agree with Lender as follows:

1. Borrowers Promise to Pay. I will pay to Lender on time principal and interest due under the Note
and late charges and other amounts due under the Note. twill also timely pay atl expenses, taxes. insurance and
other obligations due in respect of the Property. Payments due underthe Note and this Security Instrument shall be
made in US. currency. If any of my payments by check or other payment instrument is returned to Lender unpald.
Lender may require my payment be made by: cash;

money order; certi?ed check. bank check, treasurers check or cashier's check. drawn upon an institution whose
deposits are insured by a federal agency. instrumentality. or entity; or Electronic Funds Transfer.

Payments are deemed received by Lender when received at the location required in the Note. or at another location
designated by Lender under Section 14 of this Security Lender may reium or accept any payment or panial
payment if it is for an amount that is less than the amount that is then due. If Lender accepts a lesser payment. Lender
may refuse to accept a lesser payment that I may make in the future and does not waive any of its rights. Lender is not
obligated to apply such lesser payments when it accepts such payments. If interest on principal accrues as if all Periodic
Payments had been paid when due, then Lender need not pay interest on unapplied funds. Lender may hold such unap-
plied funds until I make payments to bring the Loan current. Ill do not do so within a reasonable period of time. Lender
will either apply such funds or return them to me. In the event of foreclosure. any unapplied funds will be applied to the
outstanding principal balance immediately prior to foreclosure. No offset or claim which i might have now or in the future
against Lender will relieve me from making payments due under the Note and this Security Instrument or keeping all of
my other promises and agreements secured by this Security 

2. Application of Borrower's Payments and Insurance Proceeds. Unless Applicable Law or this Section 2
requires otherwise. Lender will apply each of my payments that Lender accepts in the following order:

First. to interest due under the Note: Second. to late charges due under the Note. and Third. lo the principal of the

Note.

If Lender receives a payment from me fora late Periodic Payment which includes a suf?cient amount to pay any late
charge due. the payment may be applied to the late Periodic Payment and the late charge. If more than one Periodic Pay-
ment is due. Lender may apply any payment received from me: First, to the repayment of the Periodic Payments that are
due if. and to the extent that. each payment can be paid in full; Next. to the extent that any excess exists after the payment
is applied to the full payment of one or more Periodic Payments. such excess may be applied to any late charges due.

Any application of payments, Insurance Proceeds. or Miscellaneous Proceeds to principal due under the Note will
not extend or postpone the due date of the Periodic Payments or change the amount of those payments.

3. Intentionally Omitted.

4. Borrower?s Obligation to Pay Charges, Assessments And Claims. twill pay all laxes.assessments. water
charges. sewer rents and other similar charges. and any other charges and lines that may be imposed on the
Property and that may be superior to this Security I will also make ground rents or payments due under
my lease if I am a tenant on the Property and Community Association Dues. Fees. and Assessments (if any) clue on
the Property. If these items are Escrow Items. I will do this by making the payments as described in Section 3 of this
Security In this Security Instrument. the word ?Person" means any individual. organization. governmental
authority or other party. I will pay or satisfy all Liens against the Property that may be superior to this Security
Instrument prior to disbursement of the Note proceeds by Lender.

5. Borrower's Obligation to Maintain Hazard Insurance or Property insurance. I will obtain hazard or
property insurance to cover all buildings and other improvements that now are. or in the future will be. located on the
Property. The insurance will cover loss or damage caused by ?re. hazards normally covered by "Extended Coverage"
hazard insorance policies. and any other hazards for which Lender requires coverage. including. but not limited to
earthquakes and foods. The insurance will be in the amounts (including. but not limited to. deductible levels) and for the
periods of time required by Lender. What Lender requires under the last sentence can change during the term of the
Loan. I may choose the insurance company. but my choice is subject to Lender?s right to disapprove. Lender may not

 

 

Case Document 66-2 Filed 11/30/17 Page 16 of 28

disapprove my choice unleSS the disap~ proval is reasonable. Lender may require me to pay either a one-time charge
for food zone determination. certi?cation and tracking services, or a one-time charge forfood zone determination and
certi?cation services and subsequent charges each time remappings or similar changes occur which reasonably might
affect the food zone determination or certi?cation. It i disagree with the food zone determination. I may request the
Federal Emergency ManagementAgency to review the food zone determination and I promise to pay any fees charged
by the Federal Emergency ManagementAgency for its review.

If fail to maintain any of the insurance coverages described above. Lender may obtain insurance obverage. at
Lender's option and my expense. Lender is under no obligation to purchase any particular type or amount of coverage.
Therefore. such coverage will cover Lender. but might or might not protect me. my equity in the Property. or the contents
of the Property. against any risk. hazard or liability and might provide greater or lesser coverage than was previously in
effect. acknowledge that the cost of the inaurance coverage so obtained might signi?cantly exceed the cost of insur-
ance that oculd have obtained. Any amounts disbursed by Lender under this Section 5 will become my additional debt
secured by this Security instrument. These amounts will bear interest at the interest rate set forth in the Note from the
date ofdisbursement and will be payable with such interest. upon notice from Lender to me requesting payment.

Alt ofthe insurance policies and renewals of those policies will include what is known as a "Standard Mortgage Clause"
to protect Lender and will name Lender as mortgagee andlor as an additional toss payee. The form of all policies and
renewals will be acceptable to Lender. Lender wilt have the right to hold the policies and renewal certi?cates. lf Lender
requires. twill give Lender all receipts of paid premiums and renewal notices that i receive.

If obtain any form 0! insurance coverage. not otherwise required by Lender. tordamage to. or of. the Property.
such policy wilt include a Standard Mortgage Clause and will name Lender as mortgagee andfor as an additional toss payee.

If there is a loss or damage to the Property. I will notify the insurance company and Lender. If I do not 
prove to the insurance company that the loss or damage occurred. then Lender may do so.

The amount paid bythe insurance company for loss or damage to the Property is called "tnSuranoe Proceeds." Unless
Lender and otherwise agree in writing, any Insurance Proceeds. whether or not the underlying insurance was required
by Lender. will be used to repair or to restore the damaged Property unless: it is not economically feasible to make the
repairs or restoration: the use of the insurance Proceeds for that purpose would lessen the protection given to Lender
by this Security Instrument; or Lenderand have agreed in writing not to use the insurance Proceeds for that purpose.
During the period that any repairs or restorations are being made. Lender may hold any Insurance Proceeds until it has had
an opportunity to inspect the Property to verify that the repair work has been completed to Lenders satisfaction. However.
this inspection will be done Lender may make payments for the repairs and restorations in a single payment or
in a series of progress payments as the work is completed. Unless Lender and I agree otherwise in writing or unless Appli-
cable Law requires othenrvise. Lender is not required to pay me any interest or earnings on the immense Proceeds. lwiti
pay for any public adjusters or otherthird parties that hire. and their fees will not be paid out otthe insurance Proceeds. if
the repair orrestoration is not economically feasible or if it would lessen Lender?s protection underthis Security Instrument.
then the insurance Proceeds will be used to reduce the amount that I owe to Lender under this Security instrument. Such
insurance Proceeds will be applied in the order provided for in Section 2. if any of the insurance Proceeds remain atterthe
amount that owe to Lender has been paid in full. the remaining insurance Proceeds will be paid to me.

If I abandon the Property. Lender may ?le. negotiate and settle any available incurance claim and related matters. It
I do not answer. within 30 days. a notice from Lender stating that the insurance company has offered to settle a ctaim.
Lender may negotiate and settle the claim. The 30-day period wilt begin when the notice is given. in either event. or if
Lender acquires the Property under Section 24 of this Security Instrument or otherwise. I give Lender my rights to any
insurance Proceeds in an amount not greater than the amounts unpaid under the Note and this Security Instrument. i also
give Lender any otherof my rights (otherthan the right to any refund of unearned premiums that I paid) under all inSurance
policies covering the Property. it the rights are applicable to the coverage of the Property. Lender may use the Insurance
Proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security instrument.
whether or not lhendue.

6. Borrower?s Obligations to Occupy The Property. i will occupy the Property and use the Property as my
principal residence within 60 days afterl sign this Security instrument. twill continue to occapy the Property and to use
the Property as my principal residence for at least one year. The one-year period will begin when I ?rst occupy the
Property. However. lwiil not have to occupy the Property and use the Property as my principal residence within the time
frames set forth above if Lender agrees in writing that I do not have to do so. i also will not have to warm the Property
and use the Property as my principal residence within the time frames set forth above if extenuating circumstances exist
which are beyond my control.

7. Borrower's Obligations to Maintain And Protect The Property And to Fui?tl Any Lease Obtlgatlons.

Maintenance and Protection of the Property. i will not destroy. damage or harm the Property. and i will not
all0w the Property to deteriorate. Whether or not I am residing in the Property, twill keep the Property in good repair so
that it will not deteriorate or decrease in value due to its condition. Unless it is determined under Section 5 of this Security
instrument that repairis not economicatly feasible. twill repairthe PrOperty it damaged to avoid funherdeteriora-
tion or damage. if inSurance or Condemnation (as de?ned In the de?nition of Miscellaneous Proceeds) proceeds are paid
because of loss or damage to. or Condemnation of. the Property. I wilt repair or restore the Property only if Lender has
released those proceeds for such purposes. Lender may pay for the repairs and restoration out of proceeds in a single
payment or in a series of progress payments as the work is completed. it the insurance or Condemnation proceeds are
not sufficient to repair or restore the Property. i promise to pay for the completion of such repair or restoration.

If condemnation proceeds are paid in connection with the taking of the property. Lender shall apply such proceeds to
the reduction of the indebtedness under the Note and this Security instrument. ?rst to any delinquent amounts. and then
to payment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the
payments or change the amount of such payments.

Lender's pectlon of Property. Lender. and others authorized by Lender. may enter on and inspect the Prop-
erty. They will do so in a reasonable manner and at reasonable times. if it has a reasonable purpose. Lender may inspect
the inside of the home or other improvements on the Property. Before or at the time an inspection is made. Lender will
give me notice stating it reasonabie purpose for such interior inspection.

8. Borrower's Loan Application. it. during the application process for the Loan. t. or any Person or entity
acting at my direction or with my knowledge or consent. made false. misleading. or inaccurate statements to Lender
about infor- mation important to Lender in determining my eligibility for the Loan (or did not provide Lender with

 

no17nf99


such information). Lender will treat my actions as a default under this Security instrument. False. misleading. or
inaccurate statements ab0ut information important to Lender would include a misrepresentation of my intention to
occupy the Property as a principal residence. This is just one example of a false. misleading. or inaccurate statement
of important information.

9. Lender's Right to Protect Its Rights in The Property. if: i do not keep my promises and
agreerne made in this Security Instrument; someone, including me. begins a legal proceeding that may
signi?cantly affect Lender's interest in the Property or rights under this Security instrument (such as a legal
proceeding in bankruptCy. in probate. tor

Condemnation or Forfeiture (as de?ned in Section 10). proceedings which could give a Person rights which could equal
or exceed Lender's interest in the Property or underthis Security Instrument. proceedings for enforcement of a Lien which
may become superior to this Security Instrument. or to enforce taws or regulations); or I have abandoned the Property.
then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and
Lender's rights underthis Security Instrument.

Lender's actions may include. but are not limited to: (at protecting androrassessing the value of the Property; secur-
ing andlor repairing the Property; to) paying sums to eliminate any Lien against the Propeny that may be equal or superior
to this Security Instrument; appearing in court; and paying reasonable attorneys' fees to protect its interest in the
Property and/or rights under this Security Instrument. including its secured position in a proceeding. Lender
can also enlerthe Property to make repairs. change locks, replace or board up doors and windows. drain water from pipes.
eliminate building or other code violations ordangerous conditions. have utilities turned on croft. and take any other action
to secure the Property. Although Lender may take action under this Section 9. Lender does not have to do so and is under
no duty to do so. I agree that Lender will not be liable for not taking any or all actions under this Section 9.

twill pay to Lender any amounts. with interest. which Lender spends under this Section 9. I will pay those amounts
to Lender when Lender sends me a notice requesting that i do so. i will pay interest on those amounts at the interest rate
set forth in the Note. interest on each amount will begin on the date that the amount is spent by Lender. This Security
instrument will protect Lender in case do not keep this promise to pay those amounts with interest.

lfi do not own. but am a tenant on the Property. I will fulfill all my obligations under my lease. i also agree that. ifl acquire
the lull title (sometimes called "Fee Title") to the Property. my tease interest and the Fee Title wilt not merge unless Lender
agrees to the merger in writing.

10. Agreements About Miscellaneous Proceeds: Forfeiture. All Miscellaneous Proceeds are assigned
to and will be paid to Lender.

If the Property is damaged. such Miscellane0us Proceeds wilt be applied to restoration or repair of the Property. if
the restoration or repair is economically feasible. and Lender?s security given in this Security Instrument is not
lessened. During such repair and restoration period. Lenderwitl have the right to hold such Miscellaneous Proceeds until
Lender has had an opportunity to inspect the Property to verify that the work has been completed to Lender's satisfaction.
However. the inspection will be undertaken Lender may pay for the repairs and restoration in a single disburse-
ment or in a series ol progress payments as the work is completed. Unless Lender and I agree otherwise in writing or
unless Applicable Law requires interest to be paid on such Miscellaneous Proceeds. Lender will not be required to pay
Borrower any interest or earnings on the Miscellaneous Proceeds. If the restoration or repair is not economically feasible
or Lender?s security given in this Security instrument would be lessened. the Miscellaneous Proceeds will be applied to
the Sums Secured. whether or not then due. The excess. it any. will be paid to me. Such Miscellaneous Proceeds will be
applied in the order provided for in Section 2.

In the event of a tolai taking, destruction. or loss in value of the Property. the Miscellaneous Proceeds will be applied
to the Sums Secured. whether or not then due. The excess, if any. will be paid to me.

In the event of a partial taking. destruction. or toss in value of the Property in which the fair market value of the
Property immediately before the partial taking. destruction. or loss in value is equal to or greater than the amount of the
sums Seoured immediately before the partial taking. destruction. or loss in value. the Sums Secured will be reduced by
the amount of the Miscellaneous Proceeds multiplied by the following fraction: (3) the total amount of the Sums Secured
immediately before the partial taking. destruction. or loss in value divided by the fair market value of the Property
immediately before the partial taking. destruction. or loss in value. Any balance shalt be paid to me.

in the event of a partial taking. destruction. or loss in value of the Property in which the fair market value of the Property
immediately before the partial taking. destruction. ortoss in value is less than the amount of the Sums SeCured immediately
before the partiat taking. destruction. or loss in value. the Miscellaneous Proceeds will be applied to the Sums Seoured
whether or not the sums are then due.

abandon the Property, or if. after Lender sends me notice that the Opposing Party (as de?ned in the next sentence)
offered to make an award to settle a claim for damages. I fail to respond to Lender within 30 days after the date Lender
gives notice. Lender is authorized to cottect and apply the Miscellane0us Proceeds either to restoration or repair of the
Property or to the Sums Secured. whether or not then due. ?Opposing Pany" means the third party that owes me Miscei~
IaneOus Proceeds or the party against whom i have a right of action in regard to Miscellaneous Proceeds.

twill be in default under this Security Instrument if any civil or criminal action or proceeding that Lender determines
could result in a court ruling that would require Forfeiture of the Property. or that could damage Lender?s interest
in the Property or rights under this Security instrument. ?Forfeiture? is a court action to require the Property. or any part of
the Property. to be given up. I may correct the default by obtaining a court ruling that dismisses the court action, it Lender
determines that this court ruling prevents Forfeiture of the Property and also prevents any damage to Lender's interest
in the Property or rights under this Security instrument. II I correct the default, twill have the right to have enforcement of
this Security discontinued. as provided in Section 18 of this Security Instrument. even if Lender has required
immediate Payment in Full (as de?ned in Section 24). The proceeds of any award or claim tor damages that are attribut-
able to the damage or reduction of Lender?s interest in the Property are assigned. and will be paid. to Lender.

All Miscellaneous Proceeds that are not applied to restoration or repair of the Property will be applied in the order
provided for in Section 2.

11. Continuation of Borrower's Obligations And of Lender's Rights.

(at Borrower's Obligations. intentionally Omitted.

Lender's Rights. Even if Lender does not exercise orenforce any right of Lender under this Security Instrument
or underApplicabte Law. Lender will still have all of those rights and may exercise and enforce them in the future. Even if:
1) Lender obtains insurance. pays taxes. or pays other claims. charges or Liens against the Property: (2) Lender accepts

 

 

Case Document 66-2 Filed 11/30/17 Page 18 of 28

payments from third Persons: or (3) Lender accepts payments in amounts less than the amount than due. Lender will
have the right under Section 24 below to demand that 1 make immediate Payment in Full of any amounts remaining due
and payable to Lender under the Note and underthis Security Instrument.

12. Obligations of Borrower And of Parsans Taking Over Borrower's Rights or Obligations. If more
than one Person signs this Security Instrument as Borrower. each of us is fully obligated to keep all of Borrower's
promises and obligations contained in this Security Instrument. Lender may enforce Lender?s rights under this Security
Instrumentagainst each of us individually or against atl of us together. This means that any one of us may be required to
pay all of the Sums Secured. However. if one of us does not sign the Note: that Person is signing this Security
Instrument only to give that Person's rights in the Property to Lender under the terms of this Security instrument: 
that Person is not personally obligated to pay the Sums Seoured; and that Person agrees that Lender may agree with
the other Borrowers to delay enforcing any of Lender's rights. to modify. or make any accommodations with reard to the
terms of this Security instrument or the Note without that Person?s consent.

Any Person who takes over my rights or obligations under this Security Instrument in writing. and is approved by
Lender in writing. will have all of my rights and will be obligated to keep all of my promises and agreements made in this
Security Instrument. Borrower will not be released from Borrower's obligations and liabilities under this Security
Instrument unless Lender agrees to such release in writing. Any Person who takes over Lender's rights or obligations
under this Security Instrument will have all of Lender?s rights and will be obligated to keep all of Lender?s promises and
agreements made in this Security Instrument except as provided under Section 19.

13. Loan Charges. Lender may charge me fees for services performed in connection with my default. for the pur-
pose of protecting Lender?s interest in the Property and rights under this Security Instrument, including. but not limited to.
attorneys' fees. property inspection and valuation lees. Lender may collect fees and charges authorized by the Secretary.
Lender may not charge fees that are prohibited by this Security Instrument or by Applicable Law.

if the Loan is subject to Applicable Law which sets maximum loan charges. and that Applicable Law is ?nally inter.
preted so that the Interest or other loan charges collected or to be collected in connection with the Loan exceed permitted
limits: (at any such loan charge will be reduced by the amount necessaon reduce the charge to the permitted limit: and
any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to
make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund
reduces principal, the reduction will be treated as a partial prepayment with no changes in the due date or in the 
payment amount unless the Note holder agrees in writing to those changes. If I accept such a refund that is paid direme
to me. i will waive any right to bring a lawsuit against Lender because of the overcharge.

14. Notices Required Security instrument. All notices given by me or Lender in connection with this
Security Instrument will be in writing. Any notice to me in connection with this Security Instrument is considered given to
me when mailed by ?rst class mail or when actually delivered to my notice address it sent by other means. Notice to anyone
Borrower will be notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address is the
address oilhe Property unless I give notice to Lender of a different address. I will notify Lender of my change of
address. it Lender speci?es a procedure for reporting my change of address, then I will only report a change of address
through that speci?ed procedure. There may be cniy one designated notice address under this Security Instrument at any
one time. Any notice to Lender will be given by delivering it or by mailing it by ?rst class mail to Lender?s address stated on the
?rst page of this Seourity instrument unless Lender has given me notice of another address. Any notice in connection with
this Security Instrument is given to Lender when it is actually received by Lender. If any notice required by this Security
instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding
requirement underthis Security Instrument.

15. Law That Governs this Security instrument; Word Usage. This Security instrument is governed by
federal law and the law of New York State. All rights and obligations contained in this Seourity instrument are subject to
any requirements and limitations of Applicable Law. Applicable Law might allow the parties to agree by contract or it
might be silent. but such silence does not mean that Lender and I cannot agree by contract. If any term of this Security
Instrument or of the Note con?icts with Applicable Law. the con?ict will not affect other provisions of this Security
Instrument or the Note which can operate, or be given effect, without the con?icting provision. This means that the
Security Instrument or the Note will remain as lithe con?icting provision did not exist.

As used in this Seourity instrument: (3) words of the masculine gender mean and include corresponding words of the
feminine and neuter genders; words in the singular mean and include the plural. and words in the plural mean and
include the singular; and the word "may" gives sole discretion wilhOul any obligation to take any action.

16. Borrower's Copy. I will be given one copy of the Note and of this Security Instrument.

17. Intentionally omitted

18. Note Holder's Right to Sell the Note or an Interest in the Note; Borrower's Right to Notice oi Change of
Loan Servicer; Lender's and Borrower's Right to Notice of Grievance. The Note, or an interest in the Note. together
with this Security instrument, may be sold one or more times. i might not receive any prior notice of these sales.

The entity that collects the Periodic Payments and performs other mortgage loan servicing obligations underthe Note.
this Security and Applicable Law is called the ?Loan Servicer.? There may be a change of the Loan Servicer
as a result of the sale of the Note. There also may be one or more changes of the Loan Servicer unrelated to a sale of
the Note. Applicable Law requires that I be given written notice of any change of the Loan Servicer. The notice will state
the name and address of the new Loan Servicer. and also tell me the address to which lshoutd make my payments. The
notice also will contain any other inionnation required by RESPA or Applicable Law. if the Note is sold and thereafter
the Loan is serviced by a Loan Servicer other than the purchaser of the Note. the mortgage loan servicing obligations to
me will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note
purchaser unless otherwise provided by the Note purchaser.

Neitheri nor Lender may commence, join. or be ioined to any court action (as either an individual party or the member
of a class) that arises from the other party's actions pursuant to this Security instrument or that alleges that the other has
not ful?lled any of its obligations under this Security Instrument. unless the other is noti?ed (in the manner required under
Section 14 of this Security instrument) of the unful?lled obligation and given a reasonable time period to take corrective
action. "Applicable Law provides a time period which will elapse before certain action can be taken. that time period will
be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to me
under Section 24 and the notice of the demand for payment in full given to me under Section 24 will be deemed to satisfy
the notice and opportunity to take corrective action provisions of this Section 19. All rights underthis paragraph are subject

 

Case Document 66-2 Filed 11/30/17 Page 19 of 28

to Applicable Law.

19. Borrower Not Third-Party Beneficiary to Contract of Insurance. Mortgage Insurance reimburses
Lender (or any entity that purchases the Note) for certain losses it may incur it I do not repay the Loan as agreed. I
acknowledge and agree that I am not a third party bene?ciary to the contract of insurance between the Secretary and
Lender. noram entitled to enforce any agreement between Lender and the Secretary. unless explicitly authorized to do
so by Applicable Law.

20. Continuation of Borrower?s Obligations to Maintain and Protect the Property. The federal laws and
the laws of New York State that relate to health. safety or environmental protection are called "Environmental Law.?
Environmental Law classi?es certain substances as toxic or hazardous. There are other substances that are considered
hazardous for purposes of this Section 21. These substances are gasoline, kerosene. other ?ammable or toxic
petroleum products. toxic pesticides and herbicides. volatile solvents. materials containing asbestos or formaldehyde.
and radioactive materiats. The substances de?ned as toxic or hazardous by Environmental Law and the substances
considered hazardous for purposes of this Section 21 are called ?Hazardous Substances." ?Environmental Cleanup"
includes any response action. remedial action. or removal action. as de?ned in Environmental Law. An "Environmental
Condition" means a condition that can cause. contribute to, or otherwise trigger an Environmental Cleanup.

i will not do anything affecting the Property that violates Environmental Law. and I will not attow anyone else to do so.
twill not cause or permit Hazard0us Substances to be present on the Property. I will not use or store Hazardous Substances
on the Property. I also will not dispose of Hazard0us Substances on the Property. or release any Hazardous Substance on
the Propeny. and twill not allow anyone else to do so. i also will not do. norattow anyone else to do. anything affecting the
Property that: is in violation of any Environmental Law; creates an Enviro nmental Condition; or which. due to the
presence. use. or release of a Hazardous Substance. creates a condition that adversely affects the value of the Property.
The promises in this paragraph do not apply to the presence. use. or storage on the Property of small quantities of Hazard-
ous Substances that are generally recognized as appropriate for normal residential use and maintenance of the Property
(including. but not limited to. Hazardous Substances in consumer products). I may use or store these small quantities on
the Property. in addition. unless Environmental Law requires removal or other action. the buildings. the improvements
and the ?xtures on the Propeny are permitted to contain asbestos and asbestos-containing materials if the asbestos and
asbestos?containing materials are undisturbed and "non-friable" (that is. not easily crumbled by hand pressme).

I will give Lender written notice of: any investigation. claim. demand. lawsuit or other action by any
governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environ?
mental Law of which I have actual knowledge; any Environmental Condition. inctuding but not limited to. any spilling.
leaking. discharge. release er threat of release of any Hazardous Substance; and any condition caused by the pres-
ence. use or release of a Hazardous Substance which adversely affects the value of the Property. if I learn. or any
governmental or regulatory authority. or any private party, noti?es me that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary. I will take all necessary remedial actions in accor-
dance with Environmental Law.

Nothing in this Security instrument creates an obligation on Lender for an Environmental Cleanup.

21. Grounds for Acceleration of Debt.

to) Default Lender may. except as limited by regulations issued by the Secretary. in the case of payment defaults,
require immediate payment in futl of all sums secured by this Security Instrument if: I default by failing to pay in full any
payment required by this Security Instrument within the cure period set forth in the Note. a material adverse
change happens with respect to the Property. the Makers of the Note or Guarantor of the Note obligation

No Waiver. If circumstances occur that would permit Lenderto require immediate payment in full. but Lenderdoes
not require such payments, Lender does not waive its rights with respect to subsequent events.

to) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender?s
rights. in the case of payment defaults, to require immediate payment in full and foreclose it not paid. This Security
instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary.

NON-UNIFORM COVENANTS
also promise and agree with Lender as 

22. Assignment of Rents. unconditionally assign and transfer to Lender all the rents and revenues of the Property.
authorize Lender cr Lender's agents to ccltect the rents and revenues and hereby direct each tenant of the Property
to pay the rents to Lender or Lender's agents. However. prior to Lender?s notice to me of my breach of any covenant
or agreement in the Security instrument. i shall collect and receive all rents and revenues of the Propeny as trustee for
the bene?t of Lender and me. This assignment of rents constitutes an absolute assignment and not an assignment for
additional security only.

if Lender gives notice of breach to me: all rents received by me shall be held by me as trustee for bene?t of Lender
only. to be applied to the sums secured by the Security Instrument; Lender shall be entitled to collect and receive all
of the rents of the Property: and to) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender?s
agent on Lender?s written demand to the tenant.

I have not executed any prior assignment of the rents and have not and will not perform any act that would prevent
Lender from exercising its rights under this Section 23.

Lender shall not be required to enter upon. take control of or maintain the Propeny before or after giving notice of
breach to me. However. Lender or a judiciatly appointed receiver may do so at any time there is a breach. Any application
of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of
the Property shall terminate when the debt secured by the Security Instrument is paid in full.

23. Lender's Rights If Borrower Fails to Keep Promises and Agreements. Lender shall give notice to me
prior to acceleration following my breach of any covenant or agreement in this Security instrument (but not prior to
acceleration under Seation 17 unless Applicable Law provides otherwise). The notice shall specify: the data ult: the
action required to cure the default; to) a date. not less than 5 days from the date the notice is given to me. by which
the default must be cured; and that failure to cure the default on or before the date speci?ed in the notice may
result in acceleration of the sums secured by this Security instrument. toreclosme by judicial proceeding and sale of the
Property. The notice shall further inform me of the right to reinstate alter acceleration and the right to assert in the
toreclosme proceeding the non-existence of a default or any other defense I have to acceleration and foreclosure. ll

 

Case Document 66-2 Filed 11/30/17 Pace 20 of 28

the default is not cured on or before the date speci?ed in the notice. Lender may require immediate payment in lull of
all Sums secured by this Security instrument without further demand and may foreclose this Security instrument by
judicial proceeding. Lender will have the right to collect all costs allowed by law. including. but not limited to reasonable
attorneys? fees and costs or title evidence.

it the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immedi- ate

payment in full under Section 22. the Secretary may invoke the nonjudiciat power of sale provided in the Single Family
Mortgage Foreclosure Act of 1994 (12 U.S.C. 3751 et sag.) by requesting a foreclosure commissioner designated
under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence
shall deprive the Secretary of any rights otherwise available to a Lender underthis Section 24 or applicablelaw.

24. Lender?s Obilgatlon to Discharge this Security Instrument. When Lender has been paid all
amounts due under the Note and under this Security instrument. Lender will discharge this Security instrument by
delivering a certi?cate stating that this Security instrument has been satis?ed. I will pay all costs of recording the
discharge in the proper of?cial records. I agree to pay a fee for the discharge of this Security Instrument. if Lender so
requires. Lender may require that I pay such a fee. but only if the tee is paid to a third party for services rendered
and the charging of the fee is permitted by Applicable Law.

25. Agreements about New York Lian Law. I will receive all amounts lent to me by Lender subject to the
trust fund provisions of Section 13 of the New York Lien Law. This means that lwill: hold all amounts which i receive
and which I have a right to receive from Lender under the Note as a trust fund; and use those amounts to pay tar
?Cost of Improvement" (as de?ned in Section 13 of the New York Lien Law) before I use them for any other purpose.
The fact that I am holding those amounts as a trust fund means that for any building or other improvement located on
the Property I have a special responsibitity under the law to use the amount in the manner described in this Section 25.

26. Borrower's Statement Regard Ing the Property [check box as applicable}.

7. This Security Instrument covers real property improved. or to be improved. by a one or two family dwelling only.
This Security Instrument cavers real property principally irnpr0ved. or to be improved. by one or more structures
containing, in the aggregate, not more than six residential dwelling units with each dwelling unit having its own
separate cooking facilities.

This Security Instrument does not cover real property improved as described above.

Event of Defauit. Any event of default under any of the Loan Documents shall constitute an event of
default tor purposes of this Security Instrument.

BY SIGNING BELOW. I accept and agree to the promises and agreements contained in pages 1 through 10 of this

Security Instrument and in any Rider signed by me and recorded with it.

csand,

   

By:
Kathleen Manafort, Managing Member -

See 

Andrea Manafort. mortgagor

State of 1W 8

County 01mmAugust in the year 2017. before me. the undersigned. a Notary Public in and for said State.
personally appeared Kathleen Manatort. personally known to me or proved to me on the basis of satisfactory evrdence
to be the individual(s) whose name(s) is (are) subscribed to the within instrument and acknowledged to me that
helshelthey executed the same in his/herltheir capacity ties). and that by his/her/their signaturets) on the Instrument.
the individuatts). or the . upon behalf of which the individuai(s) acted. executed th-
JASPEHSYOO
NOTARY maucv593r 
.6 COMMONWEALTH OF 

mosses 03, 3120.3

1

County of ss.

 

 

 
   

    

    
 

 

    

State of

On the day of August in the year 2017. before me. the undersigned. a Notary Public in and tor said State.
personally appeared Andrea Manatcrt. personally known to me or proved to me on the basis of satisfactory evidence to
be the individualts) whose name(s} is (are) subscribed to the within instrument and acknowledged to me that
hershelthey executed the same in hislherltheir capacity ties). and that by histherltheir signature(s) on the Instrument.
the individuaKs). or the person upon behalf of which the individualts) acted. executed the instrument.

 

Notary Public

My commission expires:

 

 

 

Case Document 66-2 Filed 11/30/17?Bage 21 of 28

the default is not cured on or before the date speci?ed in the notice. Lender may require immediate payment in full of
all sums secured by this Security instrument without further demand and may foreclose this Security Instrument by
judicial proceeding. Lender will have the right to coltect all costs allowed bylaw. including, but not limited to reasonable
attorneys' fees and costs of title evidence.

it the Lender?s interest in this Security instrument is held by the Secretary and the Secretary requires immedi- ate

payment in fuii under Section 22. the Secretary may invoke the nonjudicial power of sale provided in the Single Family
Mortgage Foreclosure Act of 1994 (12 U.S.C. 3751 et seq.) by requesting a foreclosure commissioner designated
under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence
shall deprive the Secretary at any rights otherwise available to a Lenderunderthis Section 24 or applicabielaw.

24. Lender's Obligation to Discharge this Security Instrument When Lender has been paid ail
amounts due under the Note and under this Security tender will discharge this Security instrument by
delivering a certi?cate stating that this Security Instrument has been satis?ed. I will pay all costs of recording the
discharge in the proper of?cial records. i agree to pay a fee for the discharge of this Security Instrument, if Lender so
requires. Lender may require that I pay such a fee. but only if the fee is paid to a third party for services rendered
and the charging of the fee is permitted by Appiicable Law.

25. Agreements about New York Lien Law. I will receive all amounts lent to me by Lender subject to the
trust fund provisions of Section 13 of the New York Lien Law. This means that I will: hold all amounts which i receive
and which i have a right to receive from Lender under the Note as a trust fund: and use those amounts to pay for
?Cost of improvement" (as de?ned in Section 13 of the New York Lien Law) before I use them for any other purpose.
The fact that I am holding those amounts as a trust fund means that for any building or other improvement located on
the Property I have a special underthe law to use the amount in the manner described in this Section 26.

25. Borrower's Statement Regarding the Property {check box as applicable].

3! This Security instrument covers reai property improved. or to be improved. by a one or two family dwelling only.
This Security Instrument covers real property principally improved. or to be improved, by one or more structures
containing. in the aggregate. not more than six residentiai dwelling units with each dwelling unit having its own
separate cooking facilities.

This Security instrument does not cover real property improved as described above.

27. Event of Default. Any event of default under any of the Loan Documents shall constitute an event of
default for purposes of this Security Instrument.

BY SIGNING BELOW. i accept and agree to the promises and agreements contained in pages 1 through 10 of this
Security instrument and in any Rider signed by me and recorded with it.

Jesand, LLC, a Delaware limited iiability co

By: SE Q++UCthl?

Kathi en Manafort, Managing Memb - Borrower



Andrea Manafort, mortgagor 

 

State of 
35:
County of 

On the day of August in the year 2017. before me. the undersigned. a Notary Public in and for said State.
personally appeared Kathleen Manafort, personaily known to me or proved to me on the basis of satisfactory evidence
to be the individualts) whose namets) is (are) subscribed to the within instrument and acknowledged to me that
helshelthey executed the same in his/heritheir capacity lies). and that by hislherltheir signature(s) on the Instrument.
the individualls). or the person upon behalf of which the individual(s) acted. executed the instrument.

 

Notary Public

My commission expires:

 

State of 3.: 
County of A. )ss.



0n the 1th day of August in the year 2017. before me. the undersigned. a Notary Public in and for said State.
personally appeared Andrea Manafort. personally known to me or proved to me on the basis of satisfactory evidence to
be the individuaKs) whose name(s) is (are) subscribed to the within instrument and acknowledged to me that

heishe cuted the same in hisiherltheir capacity (ies). and that by his/herltheir signat he 
the?? huge person upon behalf of which the individuai(s) acted. executed 

a. 

   
 

I
Notary Public

SEA I My commission expires: .Ql 2U 1-30, 5.10/9

0
0?

       
    
 

I
6
. o?.93 
. 

 

 

Case Document 66-2 Filed 11/30/17 Page 22 of 28

CONDOMINIUM RIDER
1 

THIS CONDOMINIUM RIDER is made thideay of August, 2017, and is incorporated into and
shall be deemed to amend and supplement the Mortgage (the ?Security Instrument?) of the same date
given by the undersigned Jesand, LLC and Andrea Manafort (coiiectively the ?Borrower?) to secure the
Note of Jesand, LLC to Woodlawn, LLC., 123 W. Nye Lane, Ste 129, Carson City, Nevada 89706 (the
Lender?) of the same date and covering the Property described in the Security Instrument and located
at: 123 Baxter Street, Unit SD, New York, New York. The Property includes a unit in, together with an
undivided interest in the common elements of, a condominium project known as:

Baxter Street Condominium and 123 Baxter Street
(the ?Condominium Project?).

If the owners association or other entity which acts for the Condominium Project (the ?Owners
Association") holds title to property for the benefit or use of its members or shareholders, the Property
also includes Borrower?s interest in the Owners Association and the uses, proceeds and benefits of
Borrower's interest.

CONDOMINIUM COVENANTS.

In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender
further covenant and agree as follows:

A. Condominium Obligations. Borrower shall perform all of Borrower?s obligations under the
Condominium Project's Constituent Documents. The "Constituent Documents" are the: Declaration or
any other document which creates the Condominium Project,- (ii) lay-laws; code of regulations; and
(iv) other equivalent documents. Borrower shall pay, when due, all dues and assessments
imposed pursuant to the Constituent Documents.

B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance
carrier, 3 "master? or "blanket" policy on the Condominium Project which is satisfactory to Lender and
which provides insurance coverage in the amounts (including deductible levels), for the periods, and
against loss by fire, hazards included within the term "extended coverage," and any other hazards,
including, but not limited to, earthquakes and floods, from which Lender requires insurance, then: 
Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium
installments for property insurance on the Property; and (ii) Borrower?s obligation under Section 5 to
maintain property insurance coverage on the Property is deemed satisfied to the extent that

the required coverage is provided by the Owners Association policy. What Lender requires as a
condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt
notice of any lapse in required property insurance coverage provided by the

master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of
restoration or repair following a loss to the Property, whether to the unit or to common elements, any
proceeds payable to Borrower are hereby assigned and shall be paid to Lender for application to the
sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to
Borrower.

C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the
Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent
of coverage to tender.

0. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to

 

 

 

Borrower in connection with any condemnation or other taking of ail or any part of the Property,
whether of the unit or of the common elements, or for any conveyance in lieu of condemnation, are
hereby assigned and shall be paid to Lender.

Such proceeds shall be applied by Lender to the sums secured by the Security instrument as provided in
Section 11.

E. Lender?s Prior Consent. Borrower shall not, except after notice to Lender and with Lender?s prior
written consent, either partition or subdivide the Property or consent to: the abandonment or
termination of the Condominium Project, except for abandonment or termination required by law in the
case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or
eminent domain; (ii) any amendment to any provision of the Constituent Documents if the provision is
for the express benefit of Lender; termination of professional management and assumption of self-
management of the Owners Association; or (iv) any action which would have the effect of rendering the
public liability insurance coverage maintained by the Owners Association unacceptable to Lender.

F. Remedies. If Borrower does not pay condominium dues and assessments when due, then Lender may
pay them. Any amounts disbursed by Lender under this paragraph shall become additional debt of
Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of
payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be
payable, with interest, upon notice from Lender to Borrower 
requesting payment.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this

Condominium ider.
(Seal)

Kathleen B. Manafort, Managing Membe??esand, LLC Borrower

Sec q++ochcd@ (Seal)

Andrea Manafort

 

 

 

?easel?W - BJ DocumentBB-Z F?ed11/qnl17 Page 

 

Borrower in connection with any condemnation or other taking of all or any part of the Property,
whether of the unit or of the common eiements, or for any conveyance in lieu of condemnation, are
hereby assigned and shall be paid to Lender.

Such proceeds shall be appiied by Lender to the sums secured by the Security Instrument as provided in
Section 11.

E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender?s prior
written consent, either partition or subdivide the Property or consent to: the abandonment or
termination of the Condominium Project, except for abandonment or termination required by law in the
case of substantial destruction by ?re or other casualty or in the case of a taking by condemnation or
eminent domain; (ii) any amendment to any provision ofthe Constituent Documents if the provision is
for the express benefit of Lender; termination of professional management and assumption of self?
management of the Owners Association; or (iv) any action which would have the effect of rendering the
public liability insurance coverage maintained by the Owners Association unacceptable to Lender.

F. Remedies. If Borrower does not pay condominium dues and assessments when due, then Lender may
pay them. Any amounts disbursed by Lender under this paragraph shall become additionai debt of
Borrower secured by the Security Instrument. Unless Borrower and tender agree to other terms of
payment, these amounts shaii bear interest from the date of disbursement at the Note rate and shalt be
payabie, with interest, upon notice from Lender to Borrower

requesting payment.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Condominium Rider.

 

 

   

   

SEE qH?acheclcg (Seal)
Kathleen B. Manafort, Managing Memgesa/ndtm - Borrower
0W 01M ?Eeall
?It
Andrea Manafort ?0?:380?1 A 6? 
t?e 5?0 
3. .vm?c . 
9r" .. 2
.. 33': a
State of County of of. mint 3
- 
wo before me on 

0/130 

 

Wanam) "tritium? 

 

 

Case4s17-cr-00201-ABJ Document 

 

 

Am Trust Title Insurance Company

Title Number: FN-13390-NY
Page 1

SCHEDULE A 

The Condominium Unit known as Unit No. 5D (hereinafter called the "Unit") in the Building known
collectively as Baxter Street Condominium and 123 Baxter Street, Borough of Manhattan, City,
County and State of New York, (the "Building") designated and described in the Declaration
establishing a plan for condominium ownership of the Building and the land upon which the
Building is situated (said Building and land referred to collectively herein as the "Property" or the
"Condominium"), dated September 21, 2007, under the Condominium Act of the State of New
York (Article 9-8 of the Real PrOperty Law of the State of New York), recorded in the Of?ce of the
Register of the City of New York, in the County of New York, on the 28th day of September, 2007,
with a CRFN 2007000498520 (the "Declaration"). The Unit is also designated as Tax Lot No. 1122
in Block 206 of the Borough of Manhattan on the Tax Map of the Real Properly Assessment
Department of the City of New York and on the floor plans of the Buildings, certified by Hal
Dorfman Architects, licensed professional architects, on September 24. 2007, ?led in the
Register's Of?ce of New York County on September 28, 2007.

Together with a 4.65% interest in the Common Elements (as defined in said Declaration).

The land upon which the Building containing the Unit is situated is more particutarly bounded and
described as follows:

ALL that certain piot, piece or parcel of land, situate, lying and being in the in the Borough of
Manhattan, City, County and State of New York. bounded and described as follows:

at a point formed by the intersection of the southerly side of Hester Street and the
easterly side of Baxter Street;

THENCE southerly along said easterly side of Baxter Street at an interior angle of 90 degrees 59
minutes 40 seconds a distance of 125 feet 41/2 inches (125 feet 4 inches - Tax Map);

THENCE easterly from said point on the easterly side of Baxter Street at an interior angle of 88
degrees 53 minutes 20 seconds a distance of 100 feet 41/: inches to a point (100 feet 8 inches -
Tax Map);

THENCE northerly from said point at an interior angle of 91 degrees 00 minutes 10 seconds a
distance of 25 feet 2 inches (25 feet 0 inches - Tax Map);

THENCE westerly at an interior angle of 89 degrees 06 minutes 20 seconds a distance of 25 feet
4 inches (25 feet 0 inches - Tax Map);

THENCE northerly at an interior angle of 91 degrees 02 minutes 30 seconds a distance of 100
feet 0 inches to the southerly side of Hester Street;

THENCE westerly along the southerly side of Hester Street at an interior angle of 88 degrees 57
minutes 30 seconds a distance of 75 feet 1 inch (75 feet 0 inches - Tax Map) to the easterly side
of Baxter Street, the point or place of BEGINNING.

 

 

 

 

Case DocumentBB-Z Filed 11/30/17 Page?26.9%

Am Trust Title Insurance Company

Title Number: FN-13390-NY
Page 2

PARCEL A

ALL that certain plot, piece or parcel of land lying and being in the Borough of Manhattan, City,
County and State of New York, being distinguished on a Map of Bayard East Farm tiled in the
Office of the Secretary of State by the Lot number 494 and by the same number on a Map of
Lands of the City of New York, belonging to the Estate of Stephen Van Renselaer, deceased, ?led
in the Office of the Register of the County of New York, which said plot is bounded and described
as follows:

at a point on the easterly side of Baxter Street. distant 100 feet southerly from
Hester Street;

RUNNING THENCE easterly 100 feet 8 inches;

THENCE southerly in the rear 25 feet;

THENCE westerly 100 feet 8 inches to Baxter Street;

THENCE northerly along the easterly side of Baxter Street 25 feet 2 inches to the point or
place of BEGINNING.

PARCEL 

ALL the certain plot, piece or parcel of land, lying and being in the Borough of Manhattan, City,
County and State of New York, bounded and described as follows:

BEGINNING at the corner formed by the intersection of the easterly side of Baxter Street
and the southerly side of Hester Street;

THENCE southerly along the easterly side of Baxter Street, one hundred feet;
THENCE easterly parallel, or nearly so, with the southerly side of Hester Street, 75 feet;

THENCE northerly parallel, or nearly so, with Baxter Street, one hundred feet more or less
to the southerly side of Hester Street;

THENCE westerly along the same 75 feet 1 inch, more or less, to the point or place of
BEGINNING.

 

 

Case Document 66-2 Filed 11/30/17 Page 27 of 28

 

123 Baxter Street, Unit 5D, NY, NY

PROPERTY VALUATION

 Case Document 66302?77Filed 11/30/17 Page 28 of 28

"i (E) Zillcw. Hawaii EL ?33th5

 

 

 

Buy Rent Sell Mortgages Agent finder Homedesign More Lis

LIST FOR RENT QSAVE ESHARE SETUP-DATES MORE 

 

Public Landlord New Ym'k New Yam - 1mm - Manhattan

 

 

 

 

 

123 Baxter St APT 5D, 


New York, NY 10013 
$4,797,685 2

Rent Zest?mate?: $12500 {?mo

 

1/1

4 UNITED STATES OF AMERICA

Paul

Case Document 66-3 Filed 11/30/17 Page 1 of 11 00-9-35

Rev.

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA

APPLICATION TO PLEDGE REAL PROPERTY SECURE 331.3331: on BOND

V.

MAMICOVJC Jr



 

Name?s) of parson(a} offering real groperty far appearance or

surety bonds:

\avdj ?ank?wf?? J11 an? Leepr 

 

Criminal Number 9~Ol 0?



(A 83)

'10 4 3?1. 301mg; bf? 11ft ?almBu1ck 66110112113 

33118?

 

LOcation of property offered (address and brief ?escripticn

cf prerrty):

?0 $5113c1mashrwe 612ml FL
['tuwxd? tx?mcrs

 

Personts} and addreasfes) in whose name is assessed:

RM 3.. ?\mdwh m?l 14.119me B. 

 

 

Mortgage, liens, encumbrances in? any kind an Such property
and the interest held in such property by anyone dther than
the persan(s) in whose name the prmperty is assessed:

Hone-

 

 

Assessed value. 0f preperty: 1,15?0, (DOC)
Mortgage, li?ns, encumbrances Gr other interests {total}
0

{ever}

Case Document 66-3 Filed 11/30/17 Page 2 of 11

Net assessed value of praperty (line 6 less line T):
5 

 

9. Amount required fer appaarance Dr s?raty bands:



There must be attached to this form a certificate from the
.Assessar 3 Office of the District uf Columbia, indicating the
square and lot numbers, street address curran_t assaSsed value
and in whose nama the property is assassed

if the amcunt shown an: line 8 {listed abwve) excaads that
shown an. line 9 than the property, if qualified in all other
respects, is adequate to secure the band in qhestien

i? 1' i' 1' 

AFFIDAVIT IN. T0 APPLICATIGN TD PLEDGE REAL PROPERTY TO
SECURE RELEASE OF DEFENDANT ON BOND

I declara ?ndar~ penalty 0f perjury ?that the information
,on this-applicaticn is true and correct.

I alsa warrant under oath that, subsequent ta tha?axacutinn
of deed ?cf trust on the praperty deScribed in this application
to secure the release of:

Pam/d K. 51?.
and prior ta record?tion of said deed, no other deed of any kind
will ha executed by me er will this prayerty be?further ahCumbered

in any way.

Witness my hand and seal

 

Subscribed and sworn to before me this ?day Of 
19 .

 

CLERK, U.S. DISTRICT COURT

Case Document 66-3 Filed 11/30/17 Page 3 of 11

United States of America V. Paul Manafort
Crim 

Rider to Anpilcation to Pledge Real Pronertv to Secure Release on Bond
5. 174 Jobs Lane, Bridgehampton N.Y. has a mortgage to Federal Savings Bank
dated November 16, 2016 in the amount of $9,500,000.

601 N. Fairfax Street, Alexandria, Va is encumbered by a deed of trust to
Federal Savings Bank as collateral for the mortgage on 174 Jobs Lane.

123 Baxter Street, New York, NY. has a mortgage to Woodlawn LLC dated
August 7, 2017 in the amount of $1,025,000.

10 St. James Drive, Palm Beach Gardens FL has no encumbrances.

6. Assessed Value:

174 Jobs Lane, Bridgehampton $13,500,000

123 Baxter Street, New York 4,725,000

601 N. Fairfax Street, Alexandria 2,700,000

10 St. James Drive, Palm Beach Gardens 1,250,000

Total $22,175,000

7. Mortgages, liens, encumbrances or other interest: $10,525,000
8.Net assessed value: $11,650,000
9.Amount required for appearance or surety: $10,000,000

Line 8 exceeds Line 9.

Case Document 66-3 Filed 11/30/17 Page 4 of 11

A0 mo (Rem W09) Agreement to Forfeit Real Property to Obtain a Defendant?s Release

UNITED STATES DISTRICT COURT 
forthc Dig-(qf Ca i LIME 

 

Unttc'd Static ofArnenca i7 (9&0 0 (4,33)
. Case No.
Pauli T. Manaior?i' 
De?na'ant 

AGREEMENT TO FORFEIT REAL PROPERTY TOOBTAIN A RELEASE

To obtain the defendant's release, wejointly and?severally agreeto forfeitthe foilon?rittg property to the United States
of America it'thie defendant fails to appear as requiredfor any court praceeding or for-rthe?servioe? of any sentencejintposed
as may be noticed or ordered by any court considering this matter. or fails totcomply with anyicondi?ons of release set by
the court (describe propcmrand any eiaim. Ir?en. mortgage. or ather- encumbrance an it):

IO Sami? 3?4.ng Dir-1V4) PaiM 

hereby Luau/:2, beware/"1L
oe Hm, i/Lomres?i?ea? exem ?0 a.
Oti'rrershm We declare under penalty. more this and that itis not subject
to any claim, lien, mortgage, or other encumbranceexcept as above. We promise not to sell, mortgage, or

otherwise encumber the property, or do anythingto reduce its ?value?while-thisagreement isin effect. We deposit with the
court the following ownership documents, includingany encumbrance documents ?(Itrraltdocumem 

l. Dee?l Cid-P231 Sepiemlaer 17, 2-007
2. 

Surety lrr?'n'mation. We understand that the court and the united States ofAm?erica will rely onthe surety
information in approving this agreement.

Condiriom of Release. We state that we have either read an court-ordered "conditions ofrel'ease impoSed on the
defendant or had them explained to us.

Continuing Agreement. Unless the court orders otherwise, thisagreement remains in effect during any appeal or
Other review until the defendant has satis?ed all courtvnoticcs, orders, and conditions.

[ironcratr?on ofSarerr?es. This agreement is satis?ed and ends?it?the defendant is exonerated on all charges or, if
convicted, the defendant reports to serveany sentence imposed.

For?zr?mre. If the defendant fails to obey all conditions of release, court notioes, and orders'to appear, the court
will immediately order the property'forfeited and on motitmsoftheUnlte?r?i States ajadgmentot?
forfeiture against the signing parties and-their representatives, jointly and severally,'including interest and costst

Case Document 66-3 Filed 11/30/17 Page 5 of 11

Page? of 2

:10 108 (Rev. 06mg) .fsgreemcm to Forfeit Real Property to Obtain a karma:



 

 

 

 

 

I swear under penalty of pejury that the above information is true and agree :0 the conditions of this agreement.

 

 

 

 

 

 

 

 

 

. Date:
De?ndam pmperry mwwr)
it}! and state:
gamma Mam Eg? 
Properly owner '5 primed name Properev owner k-sigxmure
Prapeml owner '5 printed name Property owner is? signature
Fropem' owner '5 printed name Property owner signature

Sworn and signed befcre me. -
CLERK OF COURT

Date:

 

 

Signarurc qulcrk?ar Deputy Clerk

Agreement accepted.
WEED STA T153 OF AMERICA

 

Date:

 

Assistant Uh {rad Stale: A (tame): "s signature

Agreement appmved.

Date:

 

 

Judge ksignamrs

Case Document 66-3 Filed 11/30/17 Page 6 of 11

 

10 Saint James Drive, Alexandria, VA

DEED

Case Document 66-3 Filed 11/30/17 Page 7 of 11



CFH 26070443635
OR BK 22124 PG 1544
estate-av 10-27 as

PREPARED BYANDRETURN T0 Pu- Inch County. Flor-1d.
1. 
Signature Land Title Company, LLC ?9'3 10. 50' I
111 SquareCross SmteZE linoleum I. win
mg? Pg- 15? - 1:45. (3pm

mm. 33410

Alex 
"7 
a? 
MANAFOR North
Umon Street, Sm Alexandna, VA 22314

the terms "Grantor" and "Grantee" are used for smgular or plural, as
oontextreqmreao legal


  

  

  
    
     
 

MINESSETH, that $13272; Grantor, for and 1n consider-anon of the sum of Ten Dollars ($10 00)
and other good and valuable f? - one, recelpt whereof ta hereby acknowledged, hereby grants,


bargains. sells, ahens, conveys and con?rm unto the Grantee, all that certam land attuate
the County of Palm Beach, State do, to-wrt

Lot 76, PLAT ONE according to the Plat thereof, as recorded
In Plat Book 64, Page 67, of (@bhc Records of Palm Beach County, Florida

SUBJECT TO reatnetrons, res covenants, eondthona and easements of record, taxes for
the year 2007 and the years an thereto, and all apphcable laws, and
governmental regulauona, Includmg mthout hmrtanon, zonmg and bu?dmg codes and ordmanees


anywraeappertammg

TO HAVE AND TO HOLD, the same fee ample forever

AN'Dthe sardGrantorherebycovenants law?xllyaelzedofsald


elmmaot'all

excepttaxeaacommg


WHEREOF, the stud Grantorhas mgnedandaealedtheaepreaents thedayandyear
?ratahovewntten .

  
  

lh-n1111- A A

Case Document 66-3 Filed 11/30/17 Page 8 of 11

Szgned, sealed and dehvered

CAM

AAnmnrurLEVY' 

 

 

am 

   

COUNTY OF PALM BEA
2007,
AARON LEVY and EVEL by

 

i
(?m?oms NOTARYPUBLI
NOTARYPUQHG STATE . 



EXPIRES 9?11

9 

gown?mmon No
Pasanally Known_ ORProd Idcnu?cauon_

Type of adcnh?cauon Produced
\My Wham] 13mm upd

 

 

Ar-

Case Document 66-3 Filed 11/30/17 Page 9 of 11

Thre Instrument prepared by

LerryZ 
Sax Klern A
Surte 5D 30?! Yamato Road
:1 FL 33431
0 CERTIFICATE OF COMPLIANCE
?Di for transfer ofa UNIT
In the BALLENISLES Commumty


Tl?? TO that BALLENISLES COMMUNITY ASSOCIATION INC
ASSOCIAT hereby venfres to Paul 8. Kathleen Manafort OF as grantee(s)

of the followrn In the BALLENISLES Communrty

 

76 Ballenlsles Pad 58 accordmg lo the Flat thereof on ?le In the
@of the Clerk of the Crrcurt Court In and for Palm Beach County
Flonde recorded rn Plat Book 64 Page 67


. g"
that as of the date he UNIT referenced above IS In complrence all relevant provrsrons of
Second Restated and geclaratron of Protectrve Covenants and for

Ballenlsles as amended 
Dated thre 23" day OM 2007

In the presence of
BALLENISLES COMMUNITY ASSOCIATION INC

8 I had (LM

Srgned sealed and delrvered 
Q, 
(Srgn) a name I 



 

 

 

 
      

Trlle Controller
(Pant) Jame ?g?lq
STATE OF FLORIDA 
SS
PALM BEACH COUNTY 
The -. - 5~ w-methrea?dayof 
2001BALLENISL COMMUNITY

   

 

rsonally

    

as Idenlr?catron

 

NOTAEE RY gglic a

NAME I

COMMISSION EXPIRES mm 5 King
COMMISSION NUMBER imam 

35mm: MAR 27, 2009


un?t/004 -1: PI

Case Document 66-3 Filed 11/30/17 Page 10 of 11

 

10 Saint James Drive, Alexandria, VA

PROPERTY VALUE

11/10/2017



 

x) 

mailsJIO-Saint-JamessDr?

.
:99?
'1

l- .

(E: :jiiow, Inc. (U831 

   

?dawn mm." . mum .-.
?when?.

  

. 

 

   

 

Buy Rent Sell

 

 

Public: View Owner View

 

Find the right renter. List your rental for free on Zillow.

 

*2 '1 


y. 



?camped Way :4

10 Saint James Dr,
Palm Beach Gardens, FL

33418
5 beds- 5 baths - 4,034 

$3

tier 1
in MW.
1'

Mortgages Agent ?nder Home design More

Palm-Beach?Gardens-FLASM1 

Case Document maggxegged 11/30/17 Page 11 of 11

Janna?. .-,
.. .71. J.

 

Q) HIDE GET UPDATES

 

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- we;

33..
Dr; .. 

mas

1? 
Zestimetei:
$1,250,497

I disagree
8.9.5! Zetimam? $6.792 lmo



 

111

UNITED STATES OF AMERICA

Mika?lej?

Case Document 66-4 Filed 11/30/17 Page 1 of,30 c019?
Rev. Tf??

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA

TD PLEDGE REAL PROPERTY TO SECURE RELEASE an sown

v. Criminal Number H?am '01 (ABE)



 

l.

Nams{s) of persanis} offering real property far appearance or

t'

surety bonds:
Vans} 3 if. anal K??cH/x?eevx?B. May-La?zfor?f?

 



Address(es}: IO 3% Lamas? Drwi, 6M dams. 


 

 

Locatian of property offered (a?dress and brief description

of praperty):
(OCH $1cher Aitxakdw?h: VA Mm+40f

MM)

 

Personts) and address(es) in whose name groperty is assessed:

(Pdu? is, punk Mancuno?'i

 

 

Martgags, liens, sncumbrancss bf any kind :31 Saab Property

and the intarast held in such property by anyone Othsr than

the psrson(s) in whose name the property is assessed
quLLfal Savima? Eiakku 
{20$ ??0th that: on FM 

value sf preperty: 3,7 065C306)

Mortgage, liens, encumbrances 0r other interests (total)

5 CD

(swat)

Case Document 66-4 Filed 11/30/17 Page 2 of 30

3. Net assessed value 0f property (lina 6 less lina 
2,700, 000

9.. Ammunt required for appearance su?raty beads:

gi?L roaLL4

 

There must 1m attached to this farm a certificata- from the
Assessnr?g Office. Of the District of Columbia, indicating the
square and lat numbers, street a?dress, current ass??sed value,
and in whase name the preparty is assaSSed.

If tha amcunt 011 line 8 'T?liStea; above} excea?s that
shown on line 9, then the groper-Em if. qualified in all rather
respects, is adequate to secure the band in guestian.

i i! 1' 

AFFIDAVIT IN SUPPORT TO APPLICATION TO PLEDGE REAL PROPERTY T0
SECURE RELEASE 0F DEFENDANT 0N BOND

I declare under penalty 0f perjury *that the?informatibn
on this application is true and correct.

I alga warrant under math that; subsequent tq tha executiun
of deed of trust or: the preparty descri?bea in this applicatinn
t0 secure tha xelaase 0f:

I Mkwcuf?th 34?- 
and grior to retardatien of said deed, no Othez deed of any kind
will be executad by me at will this pragerty be furthEr?Ehcumbared

in any way.

Witness my hand and seal

 

Subscribed ana swarm to before ma this day Gf 
191..

 

v.3. DISTRICT COURT

Case Document 66-4 Filed 11/30/17 Page 3 of 30

United States of America V. Paul Manafort
Crim No:17 

Rider to Annilcation to Pledge Real Propertv to Secure Release on Bond
5. 174 Jobs Lane, Bridgehampton N.Y. has a mortgage to Federal Savings Bank
dated November 16, 2016 in the amount of$9,500,000.

601 N. Fairfax Street, Alexandria, Va is encumbered by a deed of trust to
Federal Savings Bank as collateral for the mortgage on 174 Jobs Lane.

123 Baxter Street, New York, NY. has a mortgage to Woodlawn LLC dated
August 7, 2017 in the amount of $1,025,000.

10 St. Iames Drive, Palm Beach Gardens FL has no encumbrances.

6. Assessed Value:

174 Jobs Lane, Bridgehampton $13,500,000

123 Baxter Street, New York 4,725,000

601 N. Fairfax Street, Alexandria 2,700,000

10 St. James Drive, Palm Beach Gardens 1,250,000

Total $22,175,000

7. Mortgages, liens, encumbrances or other interest: $10,525,000
8.Net assessed value: $11,650,000
9.Amount required for appearance or surety: $10,000,000

Line 8 exceeds Line 9.

?Case Dooument 66-4 Filed 11/30/17 Page 4 of 30

AG :00 {Rm 06109) Agreement so Forfeit Real Pmpeny to Obtain a Defendant?s Release

UNITED STATES DISTRICT COURT 
for?iho cl: lam.

United States of America


aka! MmquOrJl?

Do?na'am

{101?- 0' 
Case-No.

AGREEMENT TO FORFEIT REAL PROPERTYTO OBTAIN A RELEASE

To obtain the defendant's release, we'joimly and severally'agreo?to forfeit the follow?i?g property to the United States
of America if this defendant failsto appear asereq'uired- for any courtprocoj?ding orfotzhose'rvioo ofony? sooten?oo?im'posed
as may be noticed Or Ordered?by momma, or falls loco?mply' With any?condi?ms ofr?loaSE setb?y
the court (describe. any claim. ?Iiem- mortgage. or other on it):

(00! N- 9c, Um+s 405: KM, s40,
Alexan?lria, Vll?jlm'aq 4?5 Ma?a Fully cpeg/crr?eol 4.1%ch

4D 5 Bah 0003271; ?pjoaj? aim a
I 20 Amouu'l'i $9f?0030 ,oo (cross?~ Co 2r:
From 811 214.0.M NY fry/Der 
Ownershm We 
to any claim. lien, mortgago, or! or
otherwise encumberthe Mill". the
court the following ownership.documents-, inol'?din?gany 

l. DNA clad-2a? 20/9?
2. 1122?41 a? ?my? cla?t?cQ Nov. 2e, zoo.

3. Va.? 

Surety Information. We understand that the States of America will rely on the?snroty
information in-approvingt?his agreement;

Conditions ofReIease. We-stato? that we ?havc'oither'rea'd. conditions of release impOSed on the
defendant or had them explained to us.

Continuing Agremenr. Unless the court orders othenvisc,? this'agreemoot remains mom duringany-appoal or
othcr?reviow until the defendant has satis?ed-all courtnotices, 

Exoneratr?on omefeties. This agreement- isg'satis?edinndends iftho?dofendant is-oxoneratcd on' all charges?jor; if
convicted, the defendant reports to 

Forj'?z?mre. lithe defendant? {oi-1516 "all conditions.?offolog?sloogoun a?peor; lh?o Court
will immediately'order {aodfon motionjof?iof?oitgd of
forfeiture against the and-their an?d 

Case Document 66-4 Filed 11/30/17 Page 5 of 30

Page act 2

 

 

 



 

 

A0 100 (Rev. W09) Agrcemm tor-Forfeit Rea} ham to 0mm aDefeminni's new:

 



 

I swear under penalty ofpexjmy? that the above?inf?nnation is true and-agree to- me Conditions ofihisagr'eement.

 

 

 

 

 

 

 

 

 

Date:
De?ndant (5?0 prbpergv owner)
City and state:
I<a.k {4 teen Maine Eb 
Praperg' owner priMed name Fromm! mmer?: Jimmy?
Propera? owner '3 printed name Fromm? mm?- ?s signamm
Fromm owner '3 primed name Propane mwm- ?3 signature

Sworn and signed before me.
CLERK 

Date:

 

 

Signature vbelefk-or D?pno' Clef}:

Agreement accepted. 
OFAMERICA

 

Date:

 

Atrium! Uh ?ed Slam Amway ?3 signmure

Agreement approved.

Date:

 

 

Jkdge hygnamre

Case Document 66-4 Filed 11/30/17 Page 6 of 30

601 N. Fairfax St., Alexandria, VA

DEED

Case Document 66-4 Filed 11/30/17 Page 7 of 30

i50000627

DEED

Title Special wlrrenty Deed. made thle 15th day of January, 2015. by and between
601 NF ASSOCIATES. LLC. Delaware Limited Liability Company, GRANTOR and Paul J.
MANAFORT, Jr. end Kathleen B. WAFORT. husband and wife. GRANTEES:

WITNESSETH

That for end in consideration of the conveyance made hereby. the consideration received
by the GRANTOR and other good and veiuabte consideration. receipt and eufttciency of which in
hereby ecimowtedged. the GRANTOR subject to the matters described herein, hereby gram: and
conveys to the GRANTEES with Special Warranty of Title. In fee simple unto the GRANTEES.
Paul J. Mounted. Jr. and Kathleen B. Mention, as tenants by the entirety with common tow
right of survivor-unto. the following dumbed real estate. situate. lying and being in City at
Alexandria County, Commonwealth of Vituinla. (the "Real Estate"). to wit:

SEE LEGAL ON EXHBITA ATTACHED HERETO

AND BEING A PORTION OF the same property conveyed unto 601 NF Anecdotes LLC. a Delaware
Limited Liability Company. from Sheet Metal Werttere' National Fender: Fund Headquarter: Building LLC..
a Belem Limited Liability Company by virtue oi Deed dated September 22. 2011 and mended October 5.
2011 ee instrument Number 110016577 among the Land Records of the City of Alexandria. Virginie.

This Deed is delivered and accepted sobiect to all the provisions of the Virginia
Condominium Act, as amended. the Condominium Declaration. Condominium Bylm. the
Condominium Plat, Condominium Plane. end Rules and Regulations. including. but not limited to,
the obligation for the payment and lien oi for the maintenance. repair, replacement
and other costs of operation of the Condominium, which the Granteeie) and aareeie) to

The Real Estate is conveyed subject to all recorded easements. conditions. restrictions.
and agreements that iawluily apply to the Real Estate orany pert thereofr

mm Tax Map Number: 065.01-0A-405, Acct. 80029380

em Grantee's Address: 10 St James Dn, Palm Beach Gardens. FL 33418
Property Address: 801 N. Fairfax Street. Units 405. 13?113. 8-10,
moored Alexandria. VA 22314

?m-mc ConeiderationSZJOD?OOHO

mum maisonette
Hm Underwriter: Title Resources Guaranty Company
vsort 85046

 

 

 

 



Case Document 66-4 Filed 11/30/17 Page 8 of 30

Dead Page 2 OTEI

- Case No. 134705ALE

The GRANTOR covenant that said GRANTOR has the right to convey the Real
Estate. that the done no act to encumber the Real Estate; that the satd
GRANTEES shalt have quiet possession of the Real Estate; and that the GRANTOR will

execute such further assurances as may be requislte.
We? the following signatures and coals:

mm

001 NF MBOCMTES 
A Delaware Limited Company

By: EVA NF MANAGER LLC
A Delaware Limited LIabll?rty Company
Sole Manager of Grantor LLC pursuant Operating Agreement

.Eiy: 
Name: Frank R. Connors 
This: Executive Vtoe President. EYA NF Manager LLC

Commomalth Cltinounty of: iowit:
l. the undemtgned. a Notary Public for the jurisdiction aforesaid. do certify that Frank R.
Connors, Vice Prosldent of EYA NF Manager LLC. an bohalf of Grantor 601 NF Associates
LLC. who? name ls?signed to the foregoing document, bearing the data of the 15th day of
January. 2015, aoknmladged the name before me in my Jurisdiction aforesaid, this

If? day of 2015
3mg?
. 

Notaryt?u gfg?fi 

pow" .
MyCommlsalon 051125 ?g 3; 

4







 

 

 

Case Document 66-4 Filed 11/30/17 Page 9 of 30

Deed Page 3 
- . - RGS Cece No. 134705ALE

Errhibit A
Legal Description

Reoldentiei Unit No. 405. THE ORONOCO CONDOMINIUM. in accordance with the
Deciaretion oi Condominium and Exhibits attached thereto, recorded an instrument Number
140007140. and any and all subsequent amendments thereto. among the Land Records of
the City of Alexandria. Virglnia. (the ?Condominium Declaration").

Parking Unit Noe. P113. and P114. Tire Oronoco Condominium, in accordance with the
Condominium Dedaretion; and

Storage Unit No. 310. The Condominium. in accordance with the Condominiwn
Declaration.

The Condominium Declaration allocates to each Residential Unit. Parking Unit and the
Storage Unit on undivided interest (stated as a percentage) in the common elements of the
Condominium (hereinafter called the 'Porcentege intereet'). The Percentage interests of the
Residential Unit. each Parking Unit and the Storage Unit are set forth in Exhibit to the
Condominium Declaration.

TOGETHERWITH the Limited Common Elements as set forth in the aforesaid Declaration.
as amended,

SUBJECT to covenants. conditions and restrictions of record.

 

 

115000552?
IN TIE OFFICE OF
LEXNIJRIA

A
JAMARY 2th 2015 AT 01:53Pit
ERAHTOR TAX HAS PAID A5
REQUIRED BY SEC SSA-802 OF VA. C005.
STATE: ?1350.00 LOCAL: 311350.08

EDHARD CLERK
RECORDED BY: MD

Case Document 66-4 Filed 11/30/17 Page 10 of 30

 

601 N. Fairfax St., Alexandria, VA

DEED OF TRUST
(Cross-collateralization)

Case Document 66-4 Filed 11/30/17 Page 11 of 30

Loan Number 1010001429

City of Alexandria, Virginia
After Recording Return To: Fidelity National Title Insurance Company
The Federal Savings Bank
Attn: Final Document Department
300 North Elizabeth Street, Suite 3E Chicago. IL 60607

Consideration: $9,500,000.00
Map- Number: 065.01-0A-405

[Space Above This Line For Recording Data]

DEED OF TRUST

 

The following information, as further de?ned below, is provided in accordance with Virginia
law:

This Deed of Trust is given by Paul J. MANAFORT and Kathleen B. MANAFORT (as Trustor),

Grantors, to William H. CASTERLINE JR. and Jeremy B. ROOT (as Trustees), Grantees, for
the bene?t of THE FEDERAL SAVINGS BANK, as Bene?ciary.

 

DEFINITIONS

Words used in multiple sections of this document are de?ned below and other words are de?ned
in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this

document are also provided in Section 16.

(A) ?Security Instrument? means this document, which is dated November 16, 2016, together
with all Riders to this document.

(B) ?Borrower? is SUMMERBREEZE, LLC, Paul J. Manafort and Kathleen B. Manafort.
Paul J. Manafort and Kathleen B. Manafort is the trustor under this Security Instrument.

(C) ?Lender? is The Federal Savings Bank. Lender?s address is 300 N. Elizabeth Street, Suite
3B, Chicago, IL 60607. Lender is the bene?ciary under this Security Instrument.

(D) ?Trustee? is William H. Casterline, Jr., and Jeremy B. Root, either of whom may act,
Trustee (whether one or more persons) is a Virginia resident and/or a United States- or Virginia-
chartered corporation whose principal of?ce is located in Virginia. Trustee?s address is 4020
University Drive, Suite 300, Fairfax, Virginia 22030.

(E) ?Note? means the promissory note signed by Borrower dated November 16, 2016. The
Note states that Borrower owes Lender Nine Million Five Hundred Thousand and 00/ 100?s
Dollars (U .S. $9,500,000.00) plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than December 1, 2046.

(F) ?Property? means the property that is described below under the heading ?Transfer of
Rights in the Property.?

(G) ?Loan? means the debt evidenced by the Note, plus interest, any prepayment charges and
late charges due under the Note, and all sums due under this Security Instrument, plus interest.
(H) ?Riders? means all Riders to this Security Instrument that are executed by Borrower. The .
following Riders are to be executed by Borrower [check box as applicable]:

E3 Adjustable Rate Rider Condominium Rider El Second Home Rider
Cl Balloon Rider Flamed Unit Development Rider El 0ther(s) [specify] .

Case Document 66-4 Filed 11/30/17 Page 12 of 30

El l-4 Family Rider El Biweekly Payment Rider

(I) ?Applicable Law? means all controlling applicable federal, state and local statutes,
regulations, ordinances and administrative rules and orders (that have the effect of law) as well
as all applicable ?nal, non-appealable judicial opinions.

(.1) ?Community Association Dues, Fees, and Assessments? means all dues, fees, assessments
and other charges that are imposed on Borrower or the Property by a condominium association,
homeowners association or similar organization.

(K) ?Electronic Funds Transfer? means any transfer of funds, other than a transaction
originated by check, draft, or similar paper instrument, which is initiated through an electronic
terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize
a ?nancial institution to debit or credit an account. Such term includes, but is not limited to,
point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone,
wire transfers, and automated clearinghouse transfers.

(L) ?Escrow Items? means those items that are described in Section 3.

(M) ?Miscellaneous Proceeds? means any compensation, settlement, award of damages, or
proceeds paid by any third party (other than insurance proceeds paid under the coverages
described in Section 5) for: damage to, or destruction of, the Preperty; (ii) condemnation or
other taking of all or any part of the Property; conveyance in lieu of condemnation; or (iv)
misrepresentations of, or omissions as to, the value and/or condition of the Property.

(N) ?Mortgage Insurance? means insurance protecting Lender against the nonpayment of, or
default on, the Loan.

(0) ?Periodic Payment? means the regularly scheduled amount due for principal and
interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument.

(P) means the Real Estate Settlement Procedures Act (12 U.S.C. ?2601 et seq.) and
its implementing regulation, Regulation (24 CPR. Part 3500), as they might be amended from
time to time, or any additional or successor legislation or regulation that governs the same
subject matter. As used in this Security Instrument, refers to all requirements and
restrictions that are imposed in regard to a ?federally related mortgage loan? even if the Loan
does not qualify as a ?federally related mortgage loan? under RESPA.

(Q) ?Successor in Interest of Borrower? means any party that has taken title to the Preperty,
whether or not that party has assumed Borrower?s obligations under the Note and/or this Security

Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY

This Security Instrument secures to Lender: the repayment of the Loan, and all
renewals, extensions and modi?cations of the Note; and (ii) the performance of Borrower?s
covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the
following described preperty located in the City of Alexandria, Virginia:

SEE ATTACHED EXHIBIT 

which currently has the address of 601 N. Fairfax Street, Unit 405, Alexandria, Virginia 22314
(?Property Address?):

The Federal Savings Bank gauge 2 quOpages)
Deed of Trust
4833-3696-6714, v. 1

Case Document 66-4 Filed 11/30/17 Page 13 of 30

TOGETHER WITH all the improvements now or hereafter erected on the property, and
all easements, appurtenances, and ?xtures now or hereafter a part of the property. All
replacements and additions shall also be covered by this Security Instrument. All of the
foregoing is referred to in this Security Instrument as the ?Property.?

BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby
conveyed and has the right to grant and convey the Property and that the Property is
unencumbered, except for encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands, subject to any encumbrances of record.

THIS SECURITY INSTRUMENT combines uniform covenants for national use and
non~uniform covenants with limited variations by jurisdiction to constitute a uniform security

instrument covering real property.

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and
Late Charges. Borrower shall pay when due the principal of, and interest on, the debt
evidenced by the Note and any prepayment charges and late charges due under the Note.
Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the
Note and this Security Instrument shall be made in. US. currency. However, if any check or
other instrument received by Lender as payment under the Note or this Security Instrument is
returned to Lender unpaid, Lender may require that any or all subsequent payments due under
the Note and this Security Instrument be made in one or more of the following forms, as selected
by Lender: cash; money order; certi?ed check, bank check, treasurer?s check or
cashier?s check, provided any such check is drawn upon an institution whose deposits are insured
by a federal agency, instrumentality, or entity; or Electronic Funds Transfer.

Payments are deemed received by Lender when received at the location designated in the
Note or at such other location as may be designated by Lender in accordance with the notice
provisions in Section 15. Lender may return any payment or partial payment if the payment or
partial payments are insuf?cient to bring the Loan current. Lender may accept any payment or 
partial payment insuf?cient to bring the Loan current, without waiver of any rights hereunder or
prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not
obligated to apply such payments at the time such payments are accepted. If each Periodic
Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied
funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan
current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or return them to Borrower. If not applied earlier, such ?mds will be applied to the
outstanding principal balance under the Note immediately prior to foreclosure. No offset or
claim which Borrower might have now or in the future against Lender shall relieve Borrower
from making payments due under the Note and this Security Instrument or performing the
covenants and agreements secured by this Security Instrument.

2. Application of Payments or Proceeds. Except as otherwise described in this
Section 2, all payments accepted and applied by Lender shall be applied in the following order of
priority: (21) interest due under the Note; principal due under the Note; amounts due under
Section 3. Such payments shall be applied to each Periodic Payment in the order in which it
The Federal Savings Bank (page 3 of 20 pages)

Deed of Trust
4833-3696-6714. v. 1

Case Document 66-4 Filed 11/30/17 Page 14 of 30

became due. Any remaining amounts shall be applied ?rst to late charges, second to any other
amounts due under this Security Instrument, and then to reduce the principal balance of the Note.

If Lender receives a payment from Borrower for a delinquent Periodic Payment which
includes a suf?cient amount to pay any late charge due, the payment may be applied to the
delinquent payment and the late charge. If more than one Periodic Payment is outstanding,
Lender may apply any payment received from Borrower to the repayment of the Periodic
Payments if, and to the extent that, each payment can be paid in full. To the extent that any
excess exists after the payment is applied to the full payment of one or more Periodic Payments,
such excess may be applied to any late charges due. Voluntary prepayments shall be applied
?rst to any prepayment charges and then as described in the Note.

Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal
due under the Note shall not extend or postpone the due date, or change the amount, of the
Periodic Payments.

3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic
Payments are due under the Note, until the Note is paid in full, a sum (the ?Funds?) to previde
for payment of amounts due for: taxes and assessments and other items which can attain
priority over this Security Instrument as a lien or encumbrance on the Property; leasehold
payments or ground rents on the Property, if any; (0) premiums for any and all insurance
required by Lender under Section 5; and Mortgage Insurance premiums, if any, or any sums
payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in
accordance with the provisions of Section 10. These items are called ?Escrow Items.? At
origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees
and assessments shall be an Escrow Item. Borrower shall furnish to Lender all notices
of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items
unless Lender waives Borrower?s obligation to pay the Funds for any or all Escrow Items.
Lender may waive Borrower?s obligation to pay to Lender Funds for any or all Escrow Items at
any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall
pay directly, when and where payable, the amounts due for any Escrow Items for which payment
of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts
evidencing such payment within such time period as Lender may require. Borrower?s obligation
to make such payments and to provide receipts shall for all purposes be deemed to be a covenant
and agreement contained in this Security Instrument, as the phrase ?covenant and agreemen is
used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver,
and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights
under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to
repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items
at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower
shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3.

Lender may, at any time, collect and hold Funds in an amount suf?cient to permit
Lender to apply the Funds at the time speci?ed under RESPA, and not to exceed the
maximum amount a lender can require under RESPA. Lender shall estimate the amount of
Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow
Items or otherwise in accordance with Applicable Law.

The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so
The Federal Savings Bank {page 4 of 20 pages)

Deed of?rrust
4833-3696-6714. v. 1

Case Document 66-4 Filed 11/30/17 Page 15 of 30

insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow
Items no later than the time speci?ed under RESPA. Lender shall not charge Borrower for
holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow
Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to
make such a charge. Unless an agreement is made in writing or Applicable Law requires interest
to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on
the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the
Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as
required by RESPA. .

If there is a surplus of Funds held in escrow, as de?ned under RESPA, Lender shall
account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of
Funds held in escrow, as de?ned under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in
accordance with RESPA, but in no more than 12 payments. If there is a de?ciency of
Funds held in escrow, as de?ned under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the de?ciency in
accordance with RESPA, but in no more than 12 payments.

Upon payment in ?rll of all sums secured by this Security Instrument, Lender shall
refund to Borrower any Funds held by Lender.

4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, ?nes, and
impositions attributable to the Property which can attain priority over this Security Instrument,
leasehold payments or ground rents on the Property, if any, and Community Association Dues,
Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall
pay them in the manner provided in Section 3.

Borrower shall discharge any lien which has priority over this Security
Instrument unless Borrower: agrees in writing to the payment of the obligation secured by the
lien in a manner acceptable to Lender, but only so long as Borrower is performing such
agreement; contests the lien in good faith by, or defends against enforcement of the lien in,
legal proceedings which in Lender?s opinion operate to prevent the enforcement of the lien while
those proceedings are pending, but only until such proceedings are concluded; or secures
from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this
Security Instrument. If Lender determines that any part of the Property is subject to a lien which
can attain priority over this Security Instrument, Lender may give Borrower a notice identifying
the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien
or take one or more of the actions set forth above in this Section 4.

Lender may require Borrower to pay a one-time charge for a real estate tax veri?cation
and/or reporting service used by Lender in connection with this Loan.

5. Property Insurance. Borrower shall keep the improvements now existing or
hereafter erected on the Property insured against loss by ?re, hazards included within the term
?extended coverage,? and any other hazards including, but not limited to, earthquakes and
?oods, for which Lender requires insurance. This insurance shall be maintained in the amounts
(including deductible levels) and for the periods that Lender requires. What Lender requires
pursuant to the preceding sentences can change during the term of the Loan. The insurance
carrier providing the insurance shall be chosen by Borrower subject to Lender?s right to
disapprove Borrower?s choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: a one-time charge for ?ood
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zone determination, certi?cation and tracking services; or a one-time charge for ?ood zone
determination and certi?cation services and subsequent charges each time remappings or similar
changes occur which reasonably might affect such determination or certi?cation. Borrower shall
also be responsible for the payment of any fees imposed by the Federal Emergency Management
Agency in connection with the review of any ?ood zone determination resulting from an
objection by Borrower.

If Borrower fails to maintain any of the coverages described above, Lender may obtain
insurance coverage, at Lender?s option and Borrower?s expense. Lender is under no obligation
to purchase any particular type or amount of coverage. Therefore, such coverage shall cover
Lender, but might or might not protect Borrower, Borrower?s equity in the Property, or the
contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance
coverage so obtained might signi?cantly exceed the cost of insurance that Borrower could have
obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.

All insurance policies required by Lender and renewals of such policies shall be subject
to Lender?s right to disapprove such policies, shall include a standard mortgage clause, and shall
name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to
hold the policies and renewal certi?cates. If Lender requires, Borrower shall give to
Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of
insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the
Property, such policy shall include a standard mortgage clause and shall name Lender as
mortgagee and/or as an additional loss payee.

In the event of loss, Borrower shall give prompt notice to the insurance carrier and
Lender. Lender may make proof of loss if not made by Borrower. Unless Lender and
Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying
insurance was required by Lender, shall be applied to restoration or repair of the Property, if the
restoration or repair is economically feasible and Lender?s security is not lessened. During such
repair and restoration period, Lender shall have the right to hold such insurance proceeds until
Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender?s satisfaction, provided that such inspection shall be undertaken Lender may
disburse proceeds for the repairs and restoration in a single payment or in a series of progress
payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay
Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third
parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole
obligation of Borrower. If the restoration or repair is not economically feasible or Lender?s
security would be lessened, the insurance proceeds shall be applied to the sums secured by this
Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such
insurance proceeds shall be applied in the order provided for in Section 2.

If Borrower abandons the Property, Lender may ?le, negotiate and settle any available
insurance claim and related matters. If Borrower does not respond within 30 days to a notice
from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate,
and settle the claim. The 30?day period will begin when the notice is given. In either event, or if
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Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender
Borrower?s rights to any insurance proceeds in an amount not to exceed the amounts unpaid
under the Note or this Security Instrument, and any other of Borrower?s rights (other than the
right to any refund of unearned premiums paid by Borrower) under all insurance policies
covering the Preperty, insofar as such rights are applicable to the coverage of the Property.
Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts
unpaid under the Note or this Security Instrument, whether or not then due.

6. Occupancy. Borrower shall occupy, establish, and use the Property as
Borrower?s principal residence within 60 days after the execution of this Security Instrument and
shall continue to occupy the Property as Borrower?s principal residence for at least one year after
the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be
unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower?s
control.
7. Preservation, Maintenance and Protection of the Property; Inspections.
Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or
commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower
shall maintain the Property in order to prevent the Property from deteriorating or decreasing in
value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration
is not economically feasible, Borrower shall repair the Property if damaged to avoid
further deterioration or damage. If insurance or condemnation proceeds are paid in connection
with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or
restoring the Property only if Lender has released proceeds for such purposes. Lender may
disburse proceeds for the repairs and restoration in a single payment or in a series of progress
payments as the work is completed. If the insurance or condemnation proceeds are not suf?cient
to repair or restore the Property, Borrower is not relieved of Borrower?s obligation for the
completion of such repair or restoration.

Lender or its agent may make reasonable entries upon and inspections of the Property. If
it has reasonable cause, Lender may inspect the interior of the improvements on the Property.
Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying
such reasonable cause.

8. Borrower?s Loan Application. Borrower shall be in default if, during the Loan
application process, Borrower or any persons or entities acting at the direction of Borrower or
with Borrower?s knowledge or consent gave materially false, misleading, or inaccurate
information or statements to Lender (or failed to provide Lender with material information) in
connection with the Loan. Material representations include, but are not limited to,
representations concerning Borrower?s occupancy of the Property as Borrower?s principal
residence.

9. Protection of Lender?s Interest in the Property and Rights Under this
Security Instrument. If Borrower fails to perform the covenants and agreements contained
in this Security Instrument, there is a legal proceeding that might signi?cantly affect Lender?s
interest in the Property and/or rights under this Security Instrument (such as a proceeding in
bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain
priority over this Security Instrument or to enforce laws or regulations), or Borrower has
abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate
to protect Lender?s interest in the Property and rights under this Security Instrument, including
protecting and/or assessing the value of the Property, and securing and/or repairing the Property.
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Lender?s actions can include, but are not limited to: paying any sums secured by alien which
has priority over this Security Instrument; appearing in court; and paying reasonable
attorneys? fees to protect its interest in the Property and/or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding. Securing the Property includes, but is
not limited to, entering the Property to make repairs, change locks, replace or board up doors and
windows, drain water ?om pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this
Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that Lender incurs no liability for not taking any or all actions authorized under this
Section 9.

Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
?om the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.

If this Security Instrument is on a leasehold, Borrower shall comply with all the
provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee
title shall not merge unless Lender agrees to the merger in writing.

10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance
in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be
available ?'om the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the
Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to
Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain
these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss
reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full,
and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Lender can no longer require less reserve payments if Mortgage Insurance coverage (in the
amount and for the period that Lender requires) provided by an insurer selected by Lender again
becomes available, is obtained, and Lender requires separately designated payments toward the
premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward the
premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain
Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender?s
requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Lender providing for such termination or until termination is required by
Applicable Law. Nothing in this Section 10 affects Borrower?s obligation to pay interest at the
rate provided in the Note.

Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain
losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the

Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to

The Federal Savings Bank {page 8 of 20 pages)
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time, and may enter into agreements with other parties that share or modify their risk, or reduce
losses. These agreements are on terms and conditions that are satisfactory to the mortgage
insurer and the other party (or parties) to these agreements. These agreements may require the
mortgage insurer to make payments using any source of funds that the mortgage insurer may
have available (which may include ?Jnds obtained from Mortgage Insurance premiums).

As a result of these agreements, Lender, any purchaser of the Note, another insurer, any
reinsurer, any other entity, or any af?liate of any of the foregoing, may receive (directly or
indirectly) amounts that derive from (or might be characterized as) a portion of Borrower?s
payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer?s
risk, or reducing losses. If such agreement provides that an af?liate of Lender takes a share of
the insurer?s risk in exchange for a share of the premiums paid to the insurer, the arrangement is
often termed ?captive reinsurance.? Further:

Any such agreements will not affect the amounts that Borrower has agreed to
pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not
increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle
Borrower to any refund.

Any such agreements will not affect the rights Borrower has - if any - with respect
to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law.
These rights may include the right to receive certain disclosures, to request and obtain
cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated
automatically, and/or to receive a refund of any Mortgage Insurance premiums that were
unearned at the time of such Cancellation or termination.

11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous
Proceeds are hereby assigned to and shall be paid to Lender.

If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or
repair of the Preperty, if the restoration or repair is economically feasible and Lender?s security
is not lessened. During such repair and restoration period, Lender shall have the right to hold
such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to
ensure the work has been completed to Lender?s satisfaction, provided that such inspection shall
be undertaken Lender may pay for the repairs and restoration in a single disbursement
or in a series of progress payments as the work is completed. Unless an agreement is made in
writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender
shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If
the restoration or repair is not economically feasible or Lender?s security would be lessened, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds
shall be applied in the order provided for in Section 2.

In the event of a total taking, destruction, or loss in value of the Property, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower.

In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is equal to or greater than the amount of the sums secured by this Security Instrument
immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender
otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the
amount of the Miscellaneous Proceeds multiplied by the following fraction: (3) the total amount

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Case Document 66-4 Filed 11/30/17 Page 20 of 30

of the sums secured immediately before the partial taking, destruction, or loss in value divided
by the fair market value of the Property immediately before the partial taking, destruction, or
loss in value. Any balance shall be paid to Borrower.

In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is less than the amount of the sums secured immediately before the partial taking,
destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether
or not the sums are then due.

If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that
the Opposing Party (as de?ned in the next sentence) offers to make an award to settle a claim for
damages, Borrower fails to respond. to Lender within 30 days after the date the notice is given,
Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or
repair of the Property or to the sums secured by this Security Instrument, whether or not then
due. ?Opposing Party? means the third party that owes Borrower Miscellaneous Proceeds or the
party against whom Borrower has a right of action in regard to Miscellaneous Proceeds.

Borrower shall be in default if any action or proceeding, whether civil or criminal, is
begun that, in Lender?s judgment, could result in forfeiture of the Property or other material
impairment of Lender?s interest in the Property or rights under this Security Instrument.
Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender?s
judgment, precludes forfeiture of the Property or other material impairment of Lender?s interest
in the Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to the impairment of Lender?s interest in the Property are hereby

assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property

shall be applied in the order provided for in Section 2.

12. Borrower Not Released; Forbearance By Lender Not :1 Waiver. Extension of
the time for payment or modi?cation of amortization of the sums secured by this Security
Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not
operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender
shall not be required to commence proceedings against any Successor in Interest of Borrower or
to refuse to extend time for payment or otherwise modify amortization of the sums secured by
this Security Instrument by reason of any demand made by the original Borrower or any
Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender?s acceptance of payments from third persons,
entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall
not be a waiver of or preclude the exercise of any right or remedy.

13. Joint and Several Liability; Co-signers; Successors and Assigns Bound.
Borrower covenants and agrees that Borrower?s obligations and liabilityshall be joint and
several. However, any Borrower who co~signs this Security Instrument but does not execute the
Note (a ?co?signer?): is co-signing this Security Instrument only to mortgage, grant and
convey the eo-signer?s interest in the Property under the terms of this Security Instrument; is
not personally obligated to pay the sums secured by this Security Instrument; and agrees that
Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations with regard to the terms of this Security Instrument or the Note without the co-
The Federal Savings Bank (page 10 afzapugrs)

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Case Document 66-4 Filed 11/30/17 Page 21 of 30

signer?s consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who

assumes Borrower?s obligations under this Security Instrument in writing, and is approved by
Lender, shall obtain all of Borrower?s rights and bene?ts under this Security Instrument.
Borrower shall not be released from Borrower?s obligations and liability under this Security
Instrument unless Lender agrees to such release in writing. The covenants and agreements of
this Security Instrument shall bind (except as provided in Section 20) and bene?t the successors
and assigns of Lender. 

14. Loan Charges. Lender may charge Borrower fees for services performed in
connection with Borrower?s default, for the purpose of protecting Lender?s interest in the
Property and rights under this Security Instrument, including, but not limited to, attorneys? fees,
property inspection and valuation fees. In regard to any other fees, the absence of express
authority in this Security Instrument to charge a speci?c fee to Borrower shall not be construed
as a prohibition on the charging of such fee. Lender may not charge fees that are expressly
prohibited by this Security Instrument or by Applicable Law.

If the Loan is subject to a law which sets maximum loan charges, and that law is ?nally
interpreted so that the interest or other loan charges collected or to be collected in connection
with the Loan exceed the permitted limits, then: any such loan charge shall be reduced by the
amount necessary to reduce the charge to the permitted limit; and any sums already collected
from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may
choose to make this refund by reducing the principal owed under the Note or by making a direct
payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial
prepayment without any prepayment charge (whether or not a prepayment charge is provided for
under the Note). Borrower?s acceptance of any such refund made by direct payment to Borrower
will constitute a waiver of any right of action Borrower might have arising out of such
overcharge.

15. Notices. All notices given by Borrower or Lender in connection with this
Security Instrument must be in writing. Any notice to Borrower in connection with this Security
Instrument shall be deemed to have been given to Borrower when mailed by ?rst class mail or
when actually delivered to Borrower?s notice address if sent by other means. Notice to any one
Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
otherwise. The notice address shall be the Property address unless Borrower has designated a
substitute notice address by notice to Lender. Borrower shall notify Lender of
Borrower?s change of address. If Lender speci?es a procedure for reporting Borrower?s change
of address, then Borrower shall only report a change of address through that speci?ed procedure.
There may be only one designated notice address under this Security Instrument at any one time.
Any notice to Lender shall be given by delivering it or by mailing it by ?rst class mail to
Lender?s address stated herein unless Lender has designated another address by notice to
Borrower. Any notice in connection with this Security Instrument shall not be deemed to have
been given to Lender until actually received by Lender. If any notice required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy

the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrummt

shall be governed by federal law and the law of the jurisdiction in which the Property is located.
All rights and obligations contained in this Security Instrument are subject to any requirements
and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the

The Federal Savings Bank Wage woman

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Case Document 66-4 Filed 11/30/17 Page 22 of 30

parties to agree by contract or it might be silent, but such silence shall not be construed as a
prohibition against agreement by contract. In the event that any provision or clause of this
Security Instrument or the Note con?icts with Applicable Law, such con?ict shall not affect
other provisions of this Security Instrument or the Note which can be given effect without the
con?icting provision.

As used in this Security Instrument: words of the masculine gender shall mean and
include corresponding neuter words or words of the feminine gender; words in the singular
shall mean and include the plural and vice versa; and the word ?may? gives sole discretion

without any obligation to take any action.
17. Borrower?s Copy. Borrower shall be given one copy of the Note and of this

Security Instrument.

18. Acceleration Upon Alienation or Further Encumbrances or Change of Form.
Borrower understands that Section 10 of the Note contains the following acceleration clause
which reads as follows and is applicable to this Security Instrument:

?10. Due on Sale and Encumbrance.

10.1 Alienation or Further Encumbrance of Property. If the Property, or any
part of or any interest in the Property, is sold, conveyed, transferred, hypothecated, alienated,
leased or further encumbered, whether voluntarily or involuntarily, without Lender?s prior
written consent (which consent may be withheld in Lender?s sole and absolute discretion),
Lender shall have the right at its option to declare this Note immediately due and payable
regardless of the maturity date speci?ed in this Note, except where and to the extent such right is
limited by applicable law. In any case when Lender may, in its sole and absolute discretion,
consent to any ?irther- encumbrance of the Property, such consent may be conditioned upon
delivery to and for the bene?t of Lender a subordination agreement duly executed by Borrower
and the party for whose bene?t such further encumbrance is being made, such subordination
agreement being in form and substance acceptable to Lender, in its sole and absolute discretion.

10.2 Change in Form or Status of Borrower Which is a Limited Liability
Company, Corporation or Partnership. If Borrower is a limited liability company, corporation or
a partnership, Lender shall have the right at its option to declare this Note immediately due and
payable regardless of the maturity date speci?ed in this Note, upon the occurrence of any of the
following:
10.2.] If, without the written consent of Lender being ?rst had and
obtained (which may be withheld in Lender?s sole and absolute discretion), there is a transfer,
assignment or hypothecation of any stock or ownership interest in such limited liability
company, corporation, or partnership, whichever the case may be, which changes the ownership
of such entity, in the aggregate, by more than twenty-five percent as compared with the
ownership of such entity as it exists on the date of this Note;

10.2.2 If, without the written consent of Lender being ?rst had and
obtained (which consent may be withheld in Lender?s sole and absolute discretion), any of the
following events occurs with respect to Borrower if it is a limited liability company or a
corporation, as the case may be: Borrower materially ceases operations, or its members or the
board of directors of Borrower resolves to dissolve and liquidate Borrower; (ii) a judicial decree
for winding up and dissolution is granted; Borrower otherwise terminates its existence,
whether voluntarily or involuntarily; (iv) the members or the board of directors of Borrower
resolve to consolidate, merge, restructure or enter into any other combination reorganization
(unless (A) the net worth of the surviving limited liability company or corporation will exceed
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Borrower?s net worth as of the date of this Note, computed on both a book value and a fair
market value basis, respectively, and (B) the members or shareholders of Borrower as of the date
of this Note will own or control not less than twenty-?ve percent of the stock, on a fully
diluted basis, of the surviving limited liability company or corporation); if the members or the
board of directors of Borrower resolve to enter into any divisive reorganization such as, by way
of example, a ?spin-off? or a ?split-oft? (unless each surviving limited liability company or
corporation: (A) remains jointly and severally liable under this Note, the Deed of Trust executed
by Borrower and any other Loan Documents and (B) has executed and delivered such documents
as Lender may require and in such form as Lender may require to evidence this continuing
obligation); (vi) if Borrower sells or hypothecates ten percent or more of Borrower?s gross
assets based on both book value and fair market value outside the ordinary course of its business
(not including providing security for the Note) in any three (3) year period; or (vii) if Borrower
distributes to its members or shareholders, whether such distribution is classi?ed as a dividend,
compensation, redemption, loan repayment or otherwise, an amount equal to ten percent 
or more of Borrower?s gross assets based on both book value and fair market value, respectively,
in any three (3) year period; or

10.2.3 If, without the written consent of Lender being ?rst had and
obtained (which consent may be withheld in Lender?s sole and absolute discretion), any of the
following events occur with respect to Borrower if it is a partnership: if Borrower materially
ceases operations; (ii) if the partners of Borrower elect to wind up and dissolve; if Borrower
otherwise terminates its existence, whether by operation of law or by agreement; (iv) if the
partners of Borrower elect to restructure, consolidate, merge or enter into any other
reorganization with another partnership or entity (unless (A) the net worth of the surviving
partnership will exceed Borrower?s net worth as of the date of this Note, computed on both a
book value and a fair market value basis, respectively, and (B) the partners of Borrower will own
or control not less than twenty-?ve percent of the surviving partnership); if Borrower
distributes to its partners, whether such distribution is classi?ed as a capital, income or
liquidating distribution, compensation, loan repayment or otherwise, an amount equal to ten
percent or more of Borrower?s gross assets based on both book value and fair market
value, respectively, in any three (3) year period; or (vi) in the event any of the general partners of
Borrower are either a limited liability company, corporation or a partnership, if any of the events
of Paragraph 10.2.2 above or this Paragraph 10.2.3 - occur with respect to any such

general partners.?
19. Borrower?s Right to Reinstate After Acceleration. If Borrower meets certain

conditions, Borrower shall have the right to have enforcement of this Security Instrument
discontinued at any time prior to the earliest of: ?ve days before sale of the Property pursuant
to any power of sale contained in this Security Instrument; such other period as Applicable
Law might specify for the termination of Borrower?s right to reinstate; or entry of a judgment
enforcing this Security Instrument. Those conditions are that Borrower: pays Lender all sums
which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; cures any default of any other covenants or agreements; pays all expenses
incurred in enforcing this Security Instrument, including, but not limited to, reasonable
attorneys? fees, property inspection and valuation fees, and other fees incurred for the purpose of
protecting Lender?s interest in the Property and rights under this Seem-ity Instrument; and 
takes such action as Lender may reasonably require to assure that Lender?s interest in the
Property and rights under this Security Instrument, and Borrower?s obligation to pay the sums
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secured by this Security Instrument, shall continue unchanged. Lender may require that
Borrower pay such reinstatement sums and expenses in one or more of the following forms, as
selected by Lender: cash; money order; certi?ed check, bank check, treasurer?s check
or cashier?s check, provided any such check is drawn upon an institution whose deposits are
insured by a federal agency, instrumentality or entity; or Electronic Funds Transfer. Upon
reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain
fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply
in the case of acceleration under Section 18. 

20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a
partial interest in the Note (together with this Security Instrument) can be sold one or more times
without prior notice to Borrower. A sale might result in a change in the entity (known as the
?Loan Servicer?) that collects Periodic Payments due under the Note and this Security
Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given
written notice of the change which will state the name and address of the new Loan Servicer, the
address to which payments should be made and any other information RESPA requires in
connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing
obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan
Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note
purchaser.

Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as
either an individual litigant or the member of a class) that arises from the other party?s actions
pursuant to this Security Instrument or that alleges that the other party has breached any
provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or
Lender has noti?ed the other party (with such notice given in compliance with the requirements
of Section 15) of such alleged breach and afforded the other party hereto a reasonable period
after the giving of such notice to take corrective action. If Applicable Law provides a time
period which must elapse before certain action can be taken, that time period will be deemed to
be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure
given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower
pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.

Hazardous Substances. As used in this Section 21: (3) ?Hazardous Substances?
are those substances de?ned as toxic or hazardous substances, pollutants, or wastes by
Environmental Law and the following substances: gasoline, kerosene, other ?ammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing
asbestos or formaldehyde, and radioactive materials; ?Environmental Law? means federal
laws and laws of the jurisdiction where the Property is located that relate to health, safety or
environmental protection; ?Environmental Cleanup? includes any response action, remedial
action, or removal action, as de?ned in Environmental Law; and an ?Environmental
Condition? means a condition that can cause, contribute to, or otherwise trigger an
Environmental Cleanup.

Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
The Federal Savings Bank (usage 14 qf20pagas}.-

Deed of Trust
483366966714, v. 1

Case Document 66-4 Filed 11/30/17 Page 25 of 30

Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in
violation of any Environmental Law, which creates an Environmental Condition, or 
which, due to the presence, use, or release of a Hazardous Substance, creates a condition that
adversely affects the value of the Property. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of small quantities of Hazardous Substances that are
generally recognized to be appropriate to normal residential uses and to maintenance of the
Property (including, but not limited to, hazardous substances in consumer products).

Borrower shall give Lender written notice of any investigation, claim,
demand, lawsuit or other action by any governmental or regulatory agency or private party
involving the Property and any Hazardous Substance or Environmean Law of which Borrower
has actual knowledge, any Environmental Condition, including but not limited to, any
spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and any
condition caused by the presence, use or release of a Hazardous Substance which adversely
affects the value of the Property. If Borrower learns, or is noti?ed by any governmental or
regulatory authority, or any private party, that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary, Borrower shall take all
necessary remedial actions in accordance with Environmental Law. Nothing herein shall create

any obligation on Lender for an Environmental Cleanup.

NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as
follows: 

22. Acceleration; Remedies. Lender shall give notice to Borrower prior to
acceleration following Borrower?s breach of any covenant or agreement in this Security
Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides
otherwise). The notice shall specify: the default; the action required to cure the
default; a date, not less than 30 days from the date the notice is given to Borrower, by
which the default must be'cured; and that failure to cure the default on or before the
date speci?ed in the notice may result in acceleration of the sums secured by this Security
Instrument and sale of the Property. The notice shall further inform Borrower of the right
to reinstate after acceleration and the right to bring a court action to assert the non-
existence of a default or any other defense of Borrower to acceleration and sale. If the
default is not cured on or before the date specified in the notice, Lender at its option may
require immediate payment in full of all sums secured by this Security Instrument without
further demand and may invoke the power of sale and any other remedies permitted by
Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the
remedies provided in this Section 22, including, but not limited to, reasonable attorneys?
fees and costs of title evidence.

If Lender invokes the power of sale, Lender or Trustee shall give to Borrower, the
owner of the Property, and all other persons, notice of sale as required by Applicable Law.
Trustee shall give public notice of sale by advertising, in accordance with Applicable Law,
once a week for two successive weeks in a newspaper having general circulation in the
county or city in which any part of the Property is located, and by such additional or any
different form of advertisement the Trustee deems advisable. Trustee may sell the
Property on the eighth day after the ?rst advertisement or any day thereafter, but not later
than 30 days following the last advertisement. Trustee, without demand on Borrower, shall
sell the Property at public auction to the highest bidder at the time and place and under the
The Federal Savings Bank (page 15 of20 pages)

Deed of Trust
4833-3698-6714. v. 1

Case Document 66-4 Filed 11/30/17 Page 26 of 30

terms designated in the notice of sale in one or more parcels and in any order Trustee
determines. Trustee may postpone sale of all or any parcel of the Property by advertising
in accordance with Applicable Law. Lender or its designee may purchase the Property at
any sale.
Trustee shall deliver to the purchaser Trustee?s deed conveying the Property with
Special warranty of title. The recitals in the Trustee?s deed shall be prima facie evidence of
the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the
following order: to discharge the expenses of executing the trust, including a reasonable
commission to Trustee; to discharge all taxes, levies, and assessment, with costs and
interest if these costs have priority over the lieu of this Security Instrument, including the
due pro rata thereof for the current year; to discharge in the order of their priority, if
any, the remaining debts and obligations secured by this Security Instrument, and any liens
of record inferior to this Security Instrument under which sale is made, with lawful
interest; and, the residue of the proceeds shall be paid to Borrower or Borrower?s
assigns. Trustee shall not be required to take possession of the Property prior to the sale
thereof or to deliver possession of the Property to the purchaser at the sale.

23. Release. Upon payment of all sums secured by this Security Instrument, Lender
shall request Trustee to release this Security Instrument and shall surrender all notes evidencing
debt secured by this Security Instrument to Trustee. Trustee shall release this Security
Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered
and the charging of the fee is permitted under Applicable Law.

24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee
and appoint a successor trustee to any Trustee appointed hereunder. Without conveyance of the
Property, the successor trustee shall succeed to all the title, power and duties conferred upon

Trustee herein and by Applicable Law.

NOTICE: THE DEBT SECURED HEREBY IS SUBJECT TO CALL IN
FULL OR THE TERMS THEREOF BEING MODIFIED IN THE EVENT
OF SALE OR CONVEYANCE OF THE PROPERTY CONVEYED.

The Federal Savings Bank @089 1?6 
Deed of Trust
4833-3696-6714. v. 1

Case Document 66-4 Filed 11/30/17 Page 27 of 30

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Security Instrument and in any Rider executed by Borrower and recorded with
it.

Witnesses: 
2% [4 

by: I -
Bruce E. Baldinger,?POA a
Attorney in Fact for Paul Manafort

by: ?it 
Bruce EfBaidinger', POA
Attorney in Fact for Kathieen Manafon

 

 

 

STATE to-wit:



The foregoing instrument was acknowledged before me this 161? day of NoVember, 2016, by

E. Bald' .
ruce Inger 
Am

Notary?tubiic

 

 

My Commission Expires: 
GEMBRESSI

My Reglmmon Number 15* notary Public, State of New York
so; 016E62-12319
Quati?edrin Nassau County
Commission Expires February-08. 2018

The Federal Savings Bank ?ange 17 afZOpagm)
Deed of Trust
4833?3696467?, v. 1

Case Document 66-4 Filed 11/30/17 Page 28 of 30

EXHIBIT A.
LEGAL DESCRIPTION

All that certain lot or parcel of land together with all improvements thereon and being in the City
of Alexandria, Virginia and being more particularly described as follows:

Residential Unit No. 405. THE ORONOCO CONDOMINIUM, in accordance with the
Declaration of Condominium and Exhibits attached thereto, recorded as Instrument No.
140007140. and any and all subsequent amendments thereto, among the Land Records of the

City of Alexandria, Virginia. (the ?Condominitnn Declaration)

Parking. Units Nos. P1 13. and P114. The Oronoco Condominium. in accordance with the
Condominitnn Declaration; and

Storage Unit No. 810. The Oronoco Condominium, in accordance with the ondominitun
Declaration.

The Condominium Declaration allocates to each Residential Unit, Parking Unit and the Storage
Unit an undivided interest (stated as a percentage) in the common elements of the Condominitun
(hereinafter called the ?Percentage Interest"). The Percentage Interests of the Residential Unit,
each Parking Unit and the Storage Unit are set forth in Exhibit to the Condominimn

Declaration.

TOGETHER WITH the Limited Common Elements as set forth in the aforesaid Declaration, as
amended.

The Federal Bank ?ange 18 0170 pages)
Deed of Trust
4333-3698-6714. v. 1

Case Document 66-4 Filed 11/30/17 Page 29 of 30

 

601 N. Fairfax St., Alexandria, VA

PROPERTY VALUE

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th$ 9% men a



 

 

          

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age 30 of 30

 

 

 

 

 

    

 



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Case 1:17-cr-00201-ABJ Document 66-5 Filed 11/30/17 Page 1 of 1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

SEALED 

 Case 1:17-cr-00201-ABJ Document 66-6 Filed 11/30/17 Page 1 of 1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

SEALED 

 Case Document 66-7 Filed 11/30/17 Page 1 of 2

A0 98 (Rev. 12/ i) Appearance Bond

 

 

UNITED STATES DISTRICT COURT

 

for the
United States of America 
V. 
a CaseNo. Vi" i (RBI)

Paul Jr Mam Maori?) 
De??ndant 

APPEARANCE BOND

Defendant?s Agreement

I, ?i ?0 (Jr (defendany, agree to follow every order of court, or any

 

court that considers this case, and I further agree that this bond may be forfeited If I fail:
to appear for court proceedings;
s/ if convicted, to surrender to serve a sentence that the court may impose; or
to comply with all conditions set forth in the Order Setting Conditions of Release.

 

 

Type of Bond
(1) This is a personal recognizance bond.
(2) This is an unsecured bond of 
(3) This is a secured bond of 0, 0 (9, 00 secured by:
in cash deposited with the court.

 

the agreement of the defendant and each surety to forfeit the following cash or other property
(describe the cash or other property, including claims on it? such as alien mortgage, or loan? and attach bpra'gf of Sh
Vi

andvalue): t7? Johs Lana; Mel?quge M01101 #345?- 4 
ee 0

Bank 5: l7 grad) the Ni r?m?r N?mndwa v4 Hm
I: ?94 174?1: 5 Lapmg 
J4me; (w?for ?reigns (W4 (1wa hit/ml? me.? ., Sig: cif?fl'?eci?tvucmi?s
hon is ssecure? 15y 1'an property, documents 0 prdfectc secur? inte es may be ?led of record

(C) a bail bond with a solvent surety {attach a copy of the bail bond, or describe it and identt?z the surety):

Forfeiture or Release of the Bond

Forfeiture of the Banal This appearance bond may be forfeited if the defendant does not comply with the above
agreement. The court may immediately order the amount of the bond surrendered to the United States, including the
security for the bond, if the defendant does not comply with the agreement. At the request of the United States, the court
may order a judgment of forfeiture against the defendant and each surety for the entire amount of the bond, including

interest and costs.

Case Document 66-7 Filed 11/30/17 Page 2 of 2

Page 2

A0 98 (Rev. 1le 1) Appearance Bond



Release of the Bond The court may order this appearance bond ended at any time. This bond will be satis?ed and the
security will be released when either: (1) the defendant is found not guilty on all charges, or (2) the defendant reports to

serve a sentence.

Declarations

Ownership of the Property. 1, the defendant and each surety declare under penalty of perjury that:

(I) all owners of the property securing this appearance bond are included on the bond;

(2) the property is not subject to claims, except as described above; and

(3) I will not sell the property, allow ?irther claims to be made against it, or do anything to reduce its value
while this appearance bond is in effect.

Acceptance. I, the defendant and each surety have read this appearance bond and have either read all the conditions
of release set by the court or had them explained to me. I agree to this Appearance Bond.

I, the defendant and each surety declare under penalty of perjury that this information is true. (See 28 U.S.C. 1746.)

 

 

 

 

Date:
Defendant is signature

Summer 14 rwza, 

Surety/property owner printed name Surety/properg/ owner signature and date

1e 5 cm it 
Surety/property owner - printed name Sureot?zropergz owner signature and date
KATHALLCM 1? MamaPcp-r'i"
Sumo/{property owner printed name Surety/property owner - signature and date

CLERK OF COURT

 

Date:
Signature of Clerk or Deputy Clerk

Approved.

Date:

 

Judge ?3 signature

Case Document 66-8 Filed 11/30/17 Page 1 of 2

 

A0 98 (Rev. 12/ 1) Appearance Bond

UNITED STATES DISTRICT COURT

 

for the
United States of America 
v. .
CaseNo. (ABS)

Pau? I. mamm?FOV-T) Er? 
Defendant 

APPEARANCE BOND

Defendant?s Agreement

I, Raid 3" edger? (dej?ndant), agree to follow every order of this court, or any

 

court that considers this case, and I ?irther agree that this bond may be forfeited if I fail:
s/ to appear for court proceedings;
if convicted, to surrender to serve a sentence that the court may impose; or
to comply with all conditions set forth in the Order Setting Conditions of Release.

 

 

Type of Bond
(1) This is a personal recognizance bond.
(2) This is an unsecured bond of 
x/ (3) This is a secured bond of 3, 700, GOG secured by:
3 in cash deposited with the court.

 

the agreement of the defendant and each surety to forfeit the following cash or other property
(describe the cash or other property including claims on it such as a lien, mortgage, or loan - and attach proof of
ownership and value): a 3 Brake? S?h?c e?T bl if SD) New Yofk) (condenmtni?vt 

mortgage. held be, Weed fawn, 533 
If this bond is secured by real property, documents to protect the secured interest may be ?led of record.

(C) a bail bond with a solvent surety (attach a copy of the bail bond, or describe it and identi?) the surety):

Forfeiture or Release of the Bond

Forfeiture of the Bond This appearance bond may be forfeited if the defendant does not comply with the above
agreement. The court may immediately order the amount of the bond surrendered to the United States, including the
security for the bond, if the defendant does not comply with the agreement. At the request of the United States, the court
may order a judgment of forfeiture against the defendant and each surety for the entire amount of the bond, includin

interest and costs. I

Case Document 66-8 Filed 11/30/17 Page 2 of 2
PageZ

A0 98 (Rev. 12/1 1) Appearance Bond



Release of the Bond The court may order this appearance bond ended at any time. This bond will be satis?ed and the
security will be released when either: (1) the defendant is found not guilty on all charges, or (2) the defendant reports to
serve a sentence.

Declarations

Ownersth of the Property. I, the defendant and each surety declare under penalty of perjury that:

(1) all owners of the property securing this appearance bond are included on the bond;

(2) the property is not subject to claims, except as described above; and

(3) I will not sell the preperty, allow ?lrther claims to be made against it, or do anything to reduce its value
while this appearance bond is in effect.

Acceptance. I, the defendant and each surety have read this appearance bond and have either read all the conditions
of release set by the court or had them explained to me. I agree to this Appearance Bond.

I, the defendant and each surety declare under penalty of perjury that this information is true. (See 28 U.S.C. 1746.)

 

 

 

 

 

 

Date:
Defendant is signature
Jes?q LLC. (by Hey/?4: lien 
Surety/property owner printed name Surety/properw owner -- signature and date
Mdraq M?t?l?icoff? 5A4 rid
Surety/property owner ??pn'nted name Suregxdoropeny owner signature and date
Suretynaroperty owner printed name Sureo/?oroperg) owner signature and date
CLERK OF COURT
Date:
Signanzre of Clerk or Deputy Clerk

Approved
Date:

 

Judge is signature

Case 1:17-cr-00201-ABJ Document 66-9 Filed 11/30/17 Page 1 of 1

UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF COLUMBIA
UNITED STATES OF AMERICA,

)
)
)
)
)
)
)

v.
PAUL J. MANAFORT, JR.,
Defendant.

Crim. No. 17-201-01 (ABJ)

[PROPOSED] ORDER
IT IS HEREBY ORDERED that Defendant Paul J. Manafort, Jr.’s Motion to Modify
Conditions of Release is GRANTED.

DATE: ______________________

___________________________________
HON. AMY BERMAN JACKSON
UNITED STATES DISTRICT JUDGE