Preview
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
"C"
Exhibit
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
NYC DEPARTMENT OF FINANCE
OFFICE OF THE CITY REGISTER
This oÉ*theinstrument.
page is part The City
Registerwfirely on the information
provided
by you on this
page forpurposes of indexing
this instrument.
The informationon thispage
willcontrolforindexingpurposesin the event
of any conflict
with the astof the document.
RBCORDING AND ENDORSEMENT COVER PAG E PAGE 1 OF 23
Document ID: 2006072101477002 Document Date: 06-30-2006 Preparation Date:0h21-2006
Document Type: MORTGAGE
Document Page Count: 21
PRESENTER: RETURN TO:
BEST ABSTRACT COUNTRYWIDE HOME LOANS, INC.
31 STEWART STREET P.O. BOX 10423
CP/PICK UP KAREN LEVINE VAN NUYS, CA 91410
FLORAL PARK, NY 11001
516-358-0505
WBEST-2383Q
PROPERTY DATA
Borough Block Lot Unit Address
OUBBNS 1700 32. EntireLot 32-52 106TH STREET
Property Type: DWELLING ONLY - 3 PAMILY
CROSS REFERENCE DATA
CRFN ar Document ID or Year- Reel - Page- or M1e Number
PAR TIES
MORTGAGER/BORROWER: MORTGAGEE/LENDER:
JOSE MARQUINA MERS
41-48 CASE STREET P.O. BOX 2026
ELMHURST, NY 11373 FilNT, MI 48501-2026
x Additional PartiesListed on Continuation Page
FEES AND TAXES
Mortgage Recording Fee:$ 142.00
Mortgage Amount: 5 873,-440,00 AffidavitFee: $ 0.00
Taxable Mortaare Amount: $ 873440.00 NYC Real Property Transfer Tax Fee:
Filing
Exemption: $ 0.00
TAXES: County (Basic): 3 4367.Q0 NYS Real Estate TransferTax:
(Addithtal)·
City 5 . 9.825.75 S. 0.00
______
Spec(AdÇlitiottaD: 3 0,00 _ RECORDED OR FILED IN THE OFFICE
TASF: 5. 2,183.50 . THE CITY REGISTER OF THE
MTA: s 2,620,20 CITY OF NEW YORK
NYÇTA: 5 0.00 Recorded/Filed 08-18-200609:49
Addhica-2 MRT; $. 0.00 City Register FileNo.(CRFN):
TOTAL: . $ 18,996.45 2006000467338
alS astre
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
NYC DEPARTMENT OF FINANCE
OFFICE OF THE CITY REGISTER
This page is part of the instrument.
The City
Registerwillrelyon their.fo:mation
pmvided
by you on thispage for purposes
ofindexing
this The
instrument. on this page
information
willcontrolforindexingpurposes in the event
of with
any conflict the rest of the document.
RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 23
Document ID: 2006072101477002 Document Date: 06-30-2006 Preparation Date: 07-21-2006
Document Type: MORTGAGE
Document Page Count: 21
PRESENTER: RETURN TO:
BEST ABSTRACT COUNTRYWIDE HOME LOANS, INC.
31 STEWART STREET P.O. BOX 10423
CP/PICK UP KAREN LEVINE VAN NUYS, CA 91410
Pick Up
FLORAL PARK, NY 11001
Karen Levine
516-358-0505
WBEST-2383Q
PROPERTY DATA
Borough Block Lot Unit Address
QUEENS 1700 32 Entire Lot 32-52 106TH STREET
Property Type: DWELLING ONLY - 3 FAMILY
CROSS REFERENCE DATA
CRFN or Decemet ID__ _ or Year- Reel - Page- or FileNutnber
MORTGAGER/BORROWER: MORTGAGEE/LENDER:
JOSE MARQUINA MERS
41-48 CASE STREET P.O. BOX 2026
ELMHURST, NY 11373 FLINT, MI 48501-2026
IE Additional PartiesListedon ConEüãti-as Page
FEES AND TAXES
Mortgage Recording Fee:$ 142.00
MortREEeAmount: $ __473d40.00 Affidavit Fee: S 0.09
Tagalg_e Migirmag_A_mo.uat;_ 3_ 873,440.00 NYC Real Property Transfer Tax Filing Fee:
Exem¡kis $ 9,00
TAXES: County (Basich 1 4.367.00_ NYS Real Estate TransferTax:
City(Additional): 5 9.825.75 $ 0.00 .
Spec (Additionalk $ 0.00
TASF: § 2,183.50
IWTA: $ 2,620.20 _ __
L
NYCTA: 9,00
Additional MRT: 3 0.90
__ TDIAL:__ 18.99t AS
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
NYC DEPARTMENT OF FINANCE
OFFICE OF THE CITY REGISTER
CORDING p CNDÇRSEMENT COŸER PAGE (CONTINUATION) pAGE 2 Ol 23
Document ID: 2006072101477902 Document Date: 06-30-2006 Preparation Date:07-21-2006
Document Type: MORTGAGE
PARTIES
MORTGAGER/BORROWER:
TOMAS MARQUlNA
41-48 CASE STREET
ELMHURST, NY 11373
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
After Recording ReturnTo:
COUNTRYNIDEHONE LOANS, INC,
MS SV-7 9 DOCUMENTPROCESSING
P.O.Box 10423
Van Nitys, CA 91410-0423
PreparedBy
SHARONDELEON
- |8paceaboveThisLineFerRacerdingData]
(Doo ID B]
MORTGAGE
WORDS USED OFTEN IN THIS DOCUMENT
I=t-::==ta This decanent, which is dated
JUNE 30, 2006 ,togetherwithall
(A) "Security
Instrument."
Ridersto this document,will be called the "Security
"Borrower."
(B)
JOSE NARQUINA, AND TONAS NARQUINA
whoseaddressis
41-48 CASE STREET, ELMKURST, NY 11373
nometimeswill be called "Borrower" andsometimesaimply "I" or "me."
(C) "MERS" is MortgageBlectronieRegistrationSystems,Inc. MERS is a separatecorporadonthat is acting
solely as a nominee for Leaderand Leadets successorssud assigns.MERS is organizedand existing tmder
the laws of Delaware,andhasan addressand telephonenumberofP.O.Box 2026, Plint, MI 48501-2026,tet
(888) 679-MERS. FOR PURPOSES OF nepmNG THIS MORTGAGE, MERS IS THE
MORTGAGEE OF RECORD.
"Leader."
(D)
COUNTRYWIDEHOME LOANS, INC.
will becalled "Lender " Lenderis a
CORPORATION whichexists
underthe lawsofNEWYORK .Lender's addressis
4500 Park Granada NSN# SVB-314, Calabasas, CA 91302 -1613 ,
*Note."
(E) "Note." The notesignedby Borrower anddated
JUNE 30, 2006 , will be called the
The Note showsthat I oweLonder
EIGHT HUNDREDSEVENTY THRBE THOUSANDPOURHUNDREDFORTY and 00/100
873, 440. 00
Dollars (U.S.5 ) plus interestand otheramountsthat may be payable.I have'
promisedto pay this debt in PeriodioPaymentsandto pay thedebtin fh11by
JULY 01, 203 6 .
Section: Block: 7 Lot: Unit:
NI!WYORK-SinglaFamily.FannieMaa/FreddleMacUNIFORMINSTRUMI!NTWITHMER5
Pageioffs
6A(NY)(0soB) OHL(08/05)(d) Farm30331/01
CONVNA
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018
NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
schedugM i ascription
Amvised; 08/08/2006
Page 1
ALL that certain plot, piece Or parcel of f and. 4th the buildings and lrnprovements
. thereon erected, situate, lying and beingha,ting4noroughand County of Queens,
City and State of New York, Bounded anà ,.dengidbedes follows:
119.75'
BEGINNING at a point on the westerly aIde: oi,1.06th Street, distant
northedy from the comerformed the intemennon of the westerly side of 100th
by
Street and the northerly side of NorthemBondayard: .
RUNNING THENCE westerly at right anglea 0 100th Street, 100';
THENCE northerly parallel with 106th Streeh,W:
pet,100'
THENCE easterly at dght angles to 106th.S.t to the westerly side of
106th Street;
40'
THENCE southerly along the westerly side.gfn08th Street, to the point or
place of BEGINNING.
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NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018
"Property."
The property that is describedbelow in the sectiontitled "Descriptionof the Property,"will
(F)
becalledthe "Paperty,"
THE PRENISES ARE ZMPROVEDOR ARE TO BE IMPROVEDWITH A STRUCTURE
CONTAINING SXX RESIDENTIAL UNITS OR LESS, BACH DWELLING IlNXT HAVING
ITS ONN COOKING WACILITIES.
"Loan."The "Loan"
meansthe debt evidencedby the Note, plus interest,any prepaymentchargesand
(G)
latechargesdueunderthe Note, andall sumsdueunderthis SecurityInsttument,plus interest,
Secured." The amountsdescribedbelow in the sectiontitled "Borrower'sTransfer to Lenderof
(H) "Sums
Rights in the Property" sometimeswill be ealledthe "SumsSecured."
(1) "Riders."
AllRiders attachedto this Security Instrument that are signed by Bormwer will
be called
"Riders."The
following Ridersareto be signedby Borrower [checkbox asapplicable]:
AdjustableRateRider CondominiumRider SecondHomeRider
Balloon Rider PlannedUnit DevelopmentRider1-4Parnily Rider
VA Rider Biweekly PaymentRider Other(s)[specify]
a All
(J) "Applicable Law controlling applicablef'ederal,stateandiocal statutes,regulations,ordinancesand
administrativemics and orders(that have the effbct of law) as well as aHapplicable final, non-appealable,
judicial opinionswill be called"Applicable Law."
"
(K) "Community Association Dues,Fees,and Assessments All dues,fees,assessments
and othercharges
that are imposedon Borrower or the Paperty by a condominium association,homeownersassociationor
Assessments."
similar organizationwill be called "CommunityAssociationDnes,Fees,and
"ElectmnicPundsTransfer" meansany transferof money, otherthan by
Transfer,"
(L) "Electronic Funds
orsimilar
check, draft, paperinstmment, which is initiated through an electronic terminal, telephonic
instrument,computer,or magnetictapeso as to order, instruct, or authorizea financial institution to debit or
oreditan account Somecommonexamplesof an BlectronicPundsTransferarepoint-of-saletransfers(where
a card suchasan assetor debit card is usedat a merchant),automatedteller machine(or ATM) transactions,
transfersinitiated by relephone,wire transfers,andautomatedolearinghousetransfers.
Items." Thoseitemsthata a describedin Section3 will be caned"Escrow Items."
(M) "Escrew
Proceeds." "MiscellaneousProceeds"means
(N) "Miscellanaeus any compensation,settlement,award of
darnages,or proceedspaid by any thint party (atherthanInsuranceProceeds,asdefined in, andpaid underthe
coveragedescribedin Section5) for: (i) damageto, or destructionof, the Property;(ii) Condemnationor other
all or any part of
taking of conveyancein lieu of Condemnationor sale to avoid
the Property; (iii)
Condemnation;or (iv) misrepresentations
of, or omissionsas to, the valueand/orcondition of thePaperty. A
"Condemnation."
taking of the Propertyby any govemmentalauthorityby eminentdomainis known as
(0) "Mertgage "Mortgage Insurance" means insurance protecting Londer against the
Insurance."
nonpaymentof, or default on, theLoan,
Payment" The regularly scheduledamountdue for (i) principal and interestunderthe Note,
(P) "Perledic
and (11)any amountsunderSection3 will becalled"PeriodicPayment."
"RESPA"
(Q) "RESPA." meanstheRealEstateSettlementProceduresAct (12 U.S.C. Scotion2601 et seq,)
and its implementingregulation,RegulationX (24 C.F.R.Part 3500), as they might be amendedAom time to
time, or any additional or successorlegislationor regulationthat governsthe samesubject matter.As usedin
this SecurityInstrument, "RBSPA" refersto all requirementsand restrictionsthat are imposedin regardto a
loan" evenif the Loan doesnot loan"
"federally related mortgage qualify as a "federally relatedmortgage
under RESPA,
BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY
I mortgage, grant and convey the Property to MERS (solely as nominee for Leader and Lender's
successorsin interest) and its successorsin interestsubject to the terms of this Security Instrument.This
meansthat, by signing this SecurityInstrument,I am giving Leaderthoserights that arestatedin this Security
Instrumentand alsothoserights that ApplicableLaw gives to lenderswho hold mortgageson real paperty. I
am giving Lendertheserights to pmtectLenderfrompossiblelossesthat might result if I fail to:
(A) Pay all the amountsthat I owe Leaderas statedin the Note including, but not limited to, all renewals,
extensionsandmodificationsof theNote;
(B) Pay, with interest,any amountsthat Lenderspendsunder this Security Instrumentto protectthevalue of
the PropertyandLander'srights in the Property;and
(C) Keep all of my otherpromiseaandagreements
underthis SecurityInstrumentandtheNote.
I understandand agreethat MERS holds only legal title to the sightsgranted by me in this Security
Instrument,but, if necessatyto comply with law or custom, MBRS (as nomineefor Leader and Lendemis
successorsand assigns)hasthesight:
(A) to exerciseany or all of thoserights, including, but not lirnited to, the right to forecloseand sell the
Property;and
(B) to take any action required of Lender including, but not limited to, alcasing and cancelingthis Security
Instrurnent.
AA(NY)(eson)CHL(08/05) Page
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DESCRIPTION OF THE PROPERTY
I give MBRSrights in the Propertydescribedin (A) through(0) below:
(A) The Propertywhich is locatedat
32-S2 106TilSTREET [Sheety
EAST ELMHUST [Ci¾TownorVinsae],New York
11369 [ZipCods].ThisPmparty is in
QUEBNS County.
It hasthe following legaldescription:
As par legal description attached hereto and made par thereof . Baing the
same premises conveyed to the mortgagor (s) herein by deed to be recorded
simultaneously herewith. This is a first purchase money nort;gage.
(B) All buildings and other improvementsthat arelocatedon the Property describedin subsection(A) of this
section;
(C) All rights in otherproperty thatI haveasownerof the Paperty describedin subsection(A) of this section.
Theserights areknown as"easementsandappurtenances
attachedto the Propertyf
(D) All rights that I hav9 in the land which lies itt the streetsor roads in ftont of, or next to, the Property
describedin subsection(A) of thia section;
(E) All ibrturesthat are now or in the future will be on the Property describedin subsections(A) and (B) of
this section;
(P) All of the rights and property describedin subsections(B) through (B) of this sectionthat I acquirein the
future; and
(G) All
replacementsof or additionsto the Propertydescribedin subsections(B) through (P) of this section
andall InsuranceProceedsfor lossor damageto, andall MiscellaneousProceedsof the Propertydescribedin
subsections(A) through (P) of this section.
BORROWER'S RIGHt TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION
TO DEFEND OWNERSHIP OF TITE PROPERTY
I promise that- (A) I lawfully own the Property;(B) I havethe right to mortgage,grant and convey the
Property to Leader; and (C) thereareno outstandingclaims or chargesagainstthe Property,exceptfor those
which areof public record.
I give a generalwarranty of title to Leader. This meansthat I will
be thily reisponsiblefor any lossea
which Lender suffers becausesomeoneother than myself has some of the rights in the Property which I
prornisethat I have.I promise that I will
defend my ownership of the Property against any claims of such
rights.
PLAIN LANGUAGE SECORITY INSTRUMENT
This Security Instrument containspmmises and agreementsthat are used in real property security
instrumentsall over the country.It also containsotherpromisesandagreementsthat vary in differentparts of
the country. My prornisesandagrequentsarestatedin "plain language."
COVENANTS
I pmmiseandI agreewith Lenderasfollows:
Promise to Pay. I will pay to Leaderon time principal and interestdueunder the Note
1. Borrower's
and any prepayment,late chargesand other amountsdue under the Note. I will
also pay all amountsfor
EsomwItemsunderSection3 ofthis SecurityInstrument.
Paymentsdue undertheNote andthis SecurityInstrumentshall be made in U.S. currency.If eny of my
payments by check or other payment instrument is returned to Lender unpaid, Lender may require my
paymentbe madeby: (a) cash;(b) moneyorder;(c) certified check,bank check, treasu;er'scheckor cashiefs
check, drawnupon an institution whosedepositsareinsumdby a federal agency,instrumentality,or entity; or
(d) ElectronicFundsTransfer.
Paymentsare deemedreceived by Lander when receivedat the location required in the Note, or at
anotherlocation designatedby Leader cader Section I5 of this Security Instrument.Leader may return or
acceptany paymentor partial paymentif it is for an amountthat la lessthan the amountthat is then due. If
Lender acceptsa lesserpayment,Leader may refuseto accepta lesserpaymentthat I may makein the future
and doesnot waive any of its rights. Lenderis not obligatedto apply such lesserpaymentswhen it accepts
such payments.If interest on principal accruesas if all Periodic Paymentshad beenpaid when due, then
Londer nogd not pay interest on unapplied funds. Leader may hold such unapplied thnds until I make
paymentsto bring the Loan current, If I do not do so within a reasonableperiod of time, Landerwill either
sA(NY)(0s0s) CHL(OS/OS) PageSof13 Form30331tO1
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apply suchfundsor retum themto me. In the eventof fbreclosure,any unappliedfundswill be appliedto the
outstandingprincipal balanceimmediatelyprior to foreclosure.No offbet or claim which I might havenow or
in the future againstLander will relieve me from making paymentsdue under the Note and this Security
Instrumentor keepingall of my otherpromisesandagreernents
securedby this SecurityInstrument.
1 Application
of Borrower's
Payments and Insurance Proceeds.Unless Applicable Law or this
Section2 requiresotherwise,Lender will apply eachof my paymentsthat Lenderacceptsin the following
order:
First, ro pay intemstdueunderthe Note;
Next, to pay principal dueundertheNote; and
Next, to pay theammmtsdueLenderunderSection3 of this SecurityInstrument
Suchpaymentswill beappliedto anchPeriodic Paymentin the orderin which it boosmedne.
Any remainingamountswill beappliedas follows:
Pirst, to pay any late charges;
Next, to pay any otheramountsdueunder this SecurityInstrument;and
.
Next, to aduce theprincipal balanceof theNote.
If Leaderseceivesa paymentfrom me for a latePeriodicPaymentwhich includesa suinoicnt amountto
pay any late chargedue,the paymentmay be appliedto the latePeriodiePaymentandthe late charge.If more
thanone PeriodicPaymentis due,Lender may apply any paymentreceivedfrom me: Pirst, to the repayment
of thePeriodioPaymentsthat aredue if, andto the extent that, eachpaymentcan bepaid in full; Next, to the
extent that any excessexists after the payment is applied to the fitli
payment of one or more Periodic
Payments,suchexcessmay beappliedto any latechargesdue.
Voluntary prepaymentswill
be applied as follows: Pirst, to any prepaymentcharges; and Next, as
describedin theNote.
Any applicationof payments,InsuranceProceeds,or MiscellaneousPmecedsto principal dueunderthe
not extend ar postponethe due date of the Periodic Paymentsor changethe mnount of those
Note will
Payments.
3. Monthly PaymentsFor TaxesAnd Insurance.
(s) Borrower's Obligationa
I will pay to Leaderall amountsnecessaryto pay ibr taxes,assessments,
water charges,sewerrentsand
other similar oharges,groundleaseholdpaymentsor rents(if any), hazardor property insurancecovering the
Property, flood insuranceOf any), and any required Mortgage Insurance,or a Loss Reserveas describedin
Section10 in the place of MortgageInsurance.BachPeriodioPaymentwill include an amountto be appiled
towardpaymentof the following itemswhich arecalled "Esomw Items:"
water charges,sewerrentsand othersimilar charges,on the Property which
(1) The taxes,assessments,
underApplicableLaw may be superiorto this SecurityinstrumentasaLien on theProperty.Any claim,
demandor chargethat is madeagainstproperty becausean obligation hasnot beenfulfilled is known as
a "Lient
(2) The leaseholdpaymentsor groundrentson the Property(if any);
insurancerequired by Leader under Section S of thia Security
(3) The prernium for any and all
Instrument;
(4) Thepremiumfor MortgageInsurance(if any);
(5) The arnountI may berequiredto pay LenderunderSection 10of this Security Instrumentinsteadof
thepaymentof thepremiumfor MortgageInsurance(if any); and
(6) If requiredby Lender,theamountfbr anyCommunityAssociationDues,Pees,andAssessments.
After signing the Note, or at any time during its term, Lender may Inoladetheseamountsas Escrow
Items.The monthly payment1will make for EacrowItemswill be basedon Lender'sestimateof the annual
amountrequired.
I will pay all of theseamountsto LenderunlessLendertells me, in writing, thatI do not haveto do so, or
make thesepaymentson the sameday that my Periodic
unlessApplicable Law requiresotherwise.I will
Paymentsof pdncipal andinterestaredueundertheNote.
The amountsthat I pay to Lenderfor EscrowItemsunderthis Section3 will be called"EscrowPunds."I
will pay Londer the EscrowPundsfor Escrow Items unlessLander waives my obligation to pay the Escmw
Pundsfor any or anEscrowItems,Lander may waive my obligation to pay to LonderEscrowPundsfor any or
all EscrowItems at any time, Any such waiver must be in writing. In the avent of such waiver, I will pay
directly, whenandwherepayable,theamountsdueibr any Escmw Itemsfor which paymentof EscrewPunds
has been waived by Lender and, if Lender requires, will promptly sendto Leader receipts showing such
paymentwithin suchtime periodasLander may require.My obligation to makesuchpaymentsandto provide
receiptswill be consideredto be apromiseandagreementcontainedin this SecurityInstrument,asthe phrase
"promisesand agreements"is usedin Section9 of this SecurityInstrument.If I am obligatedto pay Escrow
Items directly, pursuantto a waiver,andI fail to pay the amountduefor anEserowItem, Leadermay pay that
amountand I will then be obligatedunder Section9 of this Security Instrumentto repay to Londer.Lander
may revokethe waiver asto any or all EscrowItems at any time by a noticegiven in accordancewith Section
pay to Lander all Escrow Pands, and in
15 of this Security Instrument and, upon the revocation, I will
amounts,thatarethenrequhedunderthis Section3.
aA{NY)(oso6)CHL(ssio5) Page4
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I promiseto promptly sendto Lender any notices that I meeive of Escrow Item amountsto be paid.
Leader will estimatefrom time to time the amountof Escrow Funds I will haveto pay by using existing
andbills andteasonableestimatesof theamountI wiII haveto pay for EscrowItems in the future,
assessments
unlessApplicableLaw requiresLenderto useanothermethodfor determiningthe amountI am to pay.
Lender may, at asertirne, collect and hold EscrowPunds in an amountsufficient to permit Lender to
apply theEscrowFundsat the time specifiedunderRESPA.ApplicableLaw puts limits on the total amountof
EscrowPundsLondercan at any time collent andhold, This total amountonnnotbe more thau the maximum
amounta lendercouldrequireunderRESPA.If thereis anotherApplicableLaw that imposesa lower limit on
the total amountof EscrowFundsLendercancollect andhold, Lunderwill be limited to the lower amount.
(b) Lander's Obligations.
Leaderwill keepthe EserowPendsin a savingsor banking institutionwhich hasits depositsinsured by a
federal agency,instmmentality, or entity, or in any FederalIIome Loan Bank. If Lenderis such a savingsor
bankinginstitution, Lender may hold theEsorowFunds.Leaderwill usethe EscrowPundsto pay theEscrow
Itemsno Interthan the time allowed underRESPAor otherApplicable Law. Lenderwill give to me, without
charge,an annualaccountingof theEscrowFunds.That accountingwill showall additionsto and deductions
ftom theEscrowFundsandthe reasonfor eachdeduction.
Lendermay not chargeme for holding or keepingthe Escrow Funds,for using the EsorowFundsto pay
Escrow kems, for making a yearly analysisof my paymentof EscrewFundsor for receiving, or for verifying
and bills. However, Leader may chargeme for theseservicesif Lender pays me
and totaling assessments
intereston theEscrowFundsandif Applicable Law permitsLeaderto makesucha charge.Lander wilt not be
required to pay me any interest or earningson the Eserow Fundsunlesseither (1) Lender and I agree in
pay interest on the Bscrow Pnada,or (2) Applicable Law requiresLender to pay
writing that Lander will
intereston theEscrowFunds.
(c) Adjustments to the Escrow Funds.
UnderApplicable Law, there is a limit on the amountof EscrowFundsLeadermay hold. If the amount
of EscrowPhndsheld by Lender exceedsthis limit, thentherewiII be an excessamountandRESPA requires
Leaderto accountto mein a specialmannerfor theexcessamountofEscrew Funds.
If, at any time, Lander has not receivedenoughEscrow Pundsto makethepaymentsof Escrow Items
when thepaymentsare due,Leader may tell me in writing that anadditionalamountis necessary.I will pay to
Leader whateveradditionalamountis necessaryto pay theEscrowItemawhenthe paymentsare due, but the
numberofpaymentswill not be morethan 12.
WhenI havepaid all of the SumsSecured,Lenderwill promptly refbadto me any EscrowPundsthat are
then beingheld by Leader.
4. Borrower's Obligation to Pay Charges, AssessmentsAnd Claims. I will pay all taxes,assessments,
water charges,sewerrentsand othersimilar charges,and any otherchargesandfines that may be imposedon
the Propertyand that may be superior to this SecurityInstrument.I will also makegroundrents or paymerits
dueunder my leaseif I ama tenant on the Propertyand CommunityAssociationDues,Fees,and Assessments
any) due on the Property. If
(lf theseitems are Escrow Items, I will
do this by making the paymentsas
describedin Section3 of this Security Instrument.In this SecurityInstrument,the word "Person"meansany
individual, organization;govemmentalauthority or otherparty,
I will
promptly pay or satisfy all Liens against the Property that may be superior to this Security
Instrument.However, this Security Instmmentdoesnot requireme to satisfya superiorLion ift. (a) I agree,in
writing, to pay the obligation which gaverise to the superiorLisa and Londerapprovesthe way in which I
agreeto pay that obligation, but only so long asI am performing such agreernent;(b) in good faith, I argueor
deibndagainstthe superiorLIen in a lawsuit so that in Lenders opinion,during the lawsuit, the superiorLion
may not be enfbreed,but only until the lawsnit ends; or (c) I securefrorn the holder of that other Lien an
agreement,approvedin writing by Lender,thatthe Lien ofthis Secmity Instrnmentis superiorto the Lien held
Preview
FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 "C" Exhibit FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 NYC DEPARTMENT OF FINANCE OFFICE OF THE CITY REGISTER This oÉ*theinstrument. page is part The City Registerwfirely on the information provided by you on this page forpurposes of indexing this instrument. The informationon thispage willcontrolforindexingpurposesin the event of any conflict with the astof the document. RBCORDING AND ENDORSEMENT COVER PAG E PAGE 1 OF 23 Document ID: 2006072101477002 Document Date: 06-30-2006 Preparation Date:0h21-2006 Document Type: MORTGAGE Document Page Count: 21 PRESENTER: RETURN TO: BEST ABSTRACT COUNTRYWIDE HOME LOANS, INC. 31 STEWART STREET P.O. BOX 10423 CP/PICK UP KAREN LEVINE VAN NUYS, CA 91410 FLORAL PARK, NY 11001 516-358-0505 WBEST-2383Q PROPERTY DATA Borough Block Lot Unit Address OUBBNS 1700 32. EntireLot 32-52 106TH STREET Property Type: DWELLING ONLY - 3 PAMILY CROSS REFERENCE DATA CRFN ar Document ID or Year- Reel - Page- or M1e Number PAR TIES MORTGAGER/BORROWER: MORTGAGEE/LENDER: JOSE MARQUINA MERS 41-48 CASE STREET P.O. BOX 2026 ELMHURST, NY 11373 FilNT, MI 48501-2026 x Additional PartiesListed on Continuation Page FEES AND TAXES Mortgage Recording Fee:$ 142.00 Mortgage Amount: 5 873,-440,00 AffidavitFee: $ 0.00 Taxable Mortaare Amount: $ 873440.00 NYC Real Property Transfer Tax Fee: Filing Exemption: $ 0.00 TAXES: County (Basic): 3 4367.Q0 NYS Real Estate TransferTax: (Addithtal)· City 5 . 9.825.75 S. 0.00 ______ Spec(AdÇlitiottaD: 3 0,00 _ RECORDED OR FILED IN THE OFFICE TASF: 5. 2,183.50 . THE CITY REGISTER OF THE MTA: s 2,620,20 CITY OF NEW YORK NYÇTA: 5 0.00 Recorded/Filed 08-18-200609:49 Addhica-2 MRT; $. 0.00 City Register FileNo.(CRFN): TOTAL: . $ 18,996.45 2006000467338 alS astre FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 NYC DEPARTMENT OF FINANCE OFFICE OF THE CITY REGISTER This page is part of the instrument. The City Registerwillrelyon their.fo:mation pmvided by you on thispage for purposes ofindexing this The instrument. on this page information willcontrolforindexingpurposes in the event of with any conflict the rest of the document. RECORDING AND ENDORSEMENT COVER PAGE PAGE 1 OF 23 Document ID: 2006072101477002 Document Date: 06-30-2006 Preparation Date: 07-21-2006 Document Type: MORTGAGE Document Page Count: 21 PRESENTER: RETURN TO: BEST ABSTRACT COUNTRYWIDE HOME LOANS, INC. 31 STEWART STREET P.O. BOX 10423 CP/PICK UP KAREN LEVINE VAN NUYS, CA 91410 Pick Up FLORAL PARK, NY 11001 Karen Levine 516-358-0505 WBEST-2383Q PROPERTY DATA Borough Block Lot Unit Address QUEENS 1700 32 Entire Lot 32-52 106TH STREET Property Type: DWELLING ONLY - 3 FAMILY CROSS REFERENCE DATA CRFN or Decemet ID__ _ or Year- Reel - Page- or FileNutnber MORTGAGER/BORROWER: MORTGAGEE/LENDER: JOSE MARQUINA MERS 41-48 CASE STREET P.O. BOX 2026 ELMHURST, NY 11373 FLINT, MI 48501-2026 IE Additional PartiesListedon ConEüãti-as Page FEES AND TAXES Mortgage Recording Fee:$ 142.00 MortREEeAmount: $ __473d40.00 Affidavit Fee: S 0.09 Tagalg_e Migirmag_A_mo.uat;_ 3_ 873,440.00 NYC Real Property Transfer Tax Filing Fee: Exem¡kis $ 9,00 TAXES: County (Basich 1 4.367.00_ NYS Real Estate TransferTax: City(Additional): 5 9.825.75 $ 0.00 . Spec (Additionalk $ 0.00 TASF: § 2,183.50 IWTA: $ 2,620.20 _ __ L NYCTA: 9,00 Additional MRT: 3 0.90 __ TDIAL:__ 18.99t AS FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 NYC DEPARTMENT OF FINANCE OFFICE OF THE CITY REGISTER CORDING p CNDÇRSEMENT COŸER PAGE (CONTINUATION) pAGE 2 Ol 23 Document ID: 2006072101477902 Document Date: 06-30-2006 Preparation Date:07-21-2006 Document Type: MORTGAGE PARTIES MORTGAGER/BORROWER: TOMAS MARQUlNA 41-48 CASE STREET ELMHURST, NY 11373 FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 After Recording ReturnTo: COUNTRYNIDEHONE LOANS, INC, MS SV-7 9 DOCUMENTPROCESSING P.O.Box 10423 Van Nitys, CA 91410-0423 PreparedBy SHARONDELEON - |8paceaboveThisLineFerRacerdingData] (Doo ID B] MORTGAGE WORDS USED OFTEN IN THIS DOCUMENT I=t-::==ta This decanent, which is dated JUNE 30, 2006 ,togetherwithall (A) "Security Instrument." Ridersto this document,will be called the "Security "Borrower." (B) JOSE NARQUINA, AND TONAS NARQUINA whoseaddressis 41-48 CASE STREET, ELMKURST, NY 11373 nometimeswill be called "Borrower" andsometimesaimply "I" or "me." (C) "MERS" is MortgageBlectronieRegistrationSystems,Inc. MERS is a separatecorporadonthat is acting solely as a nominee for Leaderand Leadets successorssud assigns.MERS is organizedand existing tmder the laws of Delaware,andhasan addressand telephonenumberofP.O.Box 2026, Plint, MI 48501-2026,tet (888) 679-MERS. FOR PURPOSES OF nepmNG THIS MORTGAGE, MERS IS THE MORTGAGEE OF RECORD. "Leader." (D) COUNTRYWIDEHOME LOANS, INC. will becalled "Lender " Lenderis a CORPORATION whichexists underthe lawsofNEWYORK .Lender's addressis 4500 Park Granada NSN# SVB-314, Calabasas, CA 91302 -1613 , *Note." (E) "Note." The notesignedby Borrower anddated JUNE 30, 2006 , will be called the The Note showsthat I oweLonder EIGHT HUNDREDSEVENTY THRBE THOUSANDPOURHUNDREDFORTY and 00/100 873, 440. 00 Dollars (U.S.5 ) plus interestand otheramountsthat may be payable.I have' promisedto pay this debt in PeriodioPaymentsandto pay thedebtin fh11by JULY 01, 203 6 . Section: Block: 7 Lot: Unit: NI!WYORK-SinglaFamily.FannieMaa/FreddleMacUNIFORMINSTRUMI!NTWITHMER5 Pageioffs 6A(NY)(0soB) OHL(08/05)(d) Farm30331/01 CONVNA FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 schedugM i ascription Amvised; 08/08/2006 Page 1 ALL that certain plot, piece Or parcel of f and. 4th the buildings and lrnprovements . thereon erected, situate, lying and beingha,ting4noroughand County of Queens, City and State of New York, Bounded anà ,.dengidbedes follows: 119.75' BEGINNING at a point on the westerly aIde: oi,1.06th Street, distant northedy from the comerformed the intemennon of the westerly side of 100th by Street and the northerly side of NorthemBondayard: . RUNNING THENCE westerly at right anglea 0 100th Street, 100'; THENCE northerly parallel with 106th Streeh,W: pet,100' THENCE easterly at dght angles to 106th.S.t to the westerly side of 106th Street; 40' THENCE southerly along the westerly side.gfn08th Street, to the point or place of BEGINNING. FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 "Property." The property that is describedbelow in the sectiontitled "Descriptionof the Property,"will (F) becalledthe "Paperty," THE PRENISES ARE ZMPROVEDOR ARE TO BE IMPROVEDWITH A STRUCTURE CONTAINING SXX RESIDENTIAL UNITS OR LESS, BACH DWELLING IlNXT HAVING ITS ONN COOKING WACILITIES. "Loan."The "Loan" meansthe debt evidencedby the Note, plus interest,any prepaymentchargesand (G) latechargesdueunderthe Note, andall sumsdueunderthis SecurityInsttument,plus interest, Secured." The amountsdescribedbelow in the sectiontitled "Borrower'sTransfer to Lenderof (H) "Sums Rights in the Property" sometimeswill be ealledthe "SumsSecured." (1) "Riders." AllRiders attachedto this Security Instrument that are signed by Bormwer will be called "Riders."The following Ridersareto be signedby Borrower [checkbox asapplicable]: AdjustableRateRider CondominiumRider SecondHomeRider Balloon Rider PlannedUnit DevelopmentRider1-4Parnily Rider VA Rider Biweekly PaymentRider Other(s)[specify] a All (J) "Applicable Law controlling applicablef'ederal,stateandiocal statutes,regulations,ordinancesand administrativemics and orders(that have the effbct of law) as well as aHapplicable final, non-appealable, judicial opinionswill be called"Applicable Law." " (K) "Community Association Dues,Fees,and Assessments All dues,fees,assessments and othercharges that are imposedon Borrower or the Paperty by a condominium association,homeownersassociationor Assessments." similar organizationwill be called "CommunityAssociationDnes,Fees,and "ElectmnicPundsTransfer" meansany transferof money, otherthan by Transfer," (L) "Electronic Funds orsimilar check, draft, paperinstmment, which is initiated through an electronic terminal, telephonic instrument,computer,or magnetictapeso as to order, instruct, or authorizea financial institution to debit or oreditan account Somecommonexamplesof an BlectronicPundsTransferarepoint-of-saletransfers(where a card suchasan assetor debit card is usedat a merchant),automatedteller machine(or ATM) transactions, transfersinitiated by relephone,wire transfers,andautomatedolearinghousetransfers. Items." Thoseitemsthata a describedin Section3 will be caned"Escrow Items." (M) "Escrew Proceeds." "MiscellaneousProceeds"means (N) "Miscellanaeus any compensation,settlement,award of darnages,or proceedspaid by any thint party (atherthanInsuranceProceeds,asdefined in, andpaid underthe coveragedescribedin Section5) for: (i) damageto, or destructionof, the Property;(ii) Condemnationor other all or any part of taking of conveyancein lieu of Condemnationor sale to avoid the Property; (iii) Condemnation;or (iv) misrepresentations of, or omissionsas to, the valueand/orcondition of thePaperty. A "Condemnation." taking of the Propertyby any govemmentalauthorityby eminentdomainis known as (0) "Mertgage "Mortgage Insurance" means insurance protecting Londer against the Insurance." nonpaymentof, or default on, theLoan, Payment" The regularly scheduledamountdue for (i) principal and interestunderthe Note, (P) "Perledic and (11)any amountsunderSection3 will becalled"PeriodicPayment." "RESPA" (Q) "RESPA." meanstheRealEstateSettlementProceduresAct (12 U.S.C. Scotion2601 et seq,) and its implementingregulation,RegulationX (24 C.F.R.Part 3500), as they might be amendedAom time to time, or any additional or successorlegislationor regulationthat governsthe samesubject matter.As usedin this SecurityInstrument, "RBSPA" refersto all requirementsand restrictionsthat are imposedin regardto a loan" evenif the Loan doesnot loan" "federally related mortgage qualify as a "federally relatedmortgage under RESPA, BORROWER'S TRANSFER TO LENDER OF RIGHTS IN THE PROPERTY I mortgage, grant and convey the Property to MERS (solely as nominee for Leader and Lender's successorsin interest) and its successorsin interestsubject to the terms of this Security Instrument.This meansthat, by signing this SecurityInstrument,I am giving Leaderthoserights that arestatedin this Security Instrumentand alsothoserights that ApplicableLaw gives to lenderswho hold mortgageson real paperty. I am giving Lendertheserights to pmtectLenderfrompossiblelossesthat might result if I fail to: (A) Pay all the amountsthat I owe Leaderas statedin the Note including, but not limited to, all renewals, extensionsandmodificationsof theNote; (B) Pay, with interest,any amountsthat Lenderspendsunder this Security Instrumentto protectthevalue of the PropertyandLander'srights in the Property;and (C) Keep all of my otherpromiseaandagreements underthis SecurityInstrumentandtheNote. I understandand agreethat MERS holds only legal title to the sightsgranted by me in this Security Instrument,but, if necessatyto comply with law or custom, MBRS (as nomineefor Leader and Lendemis successorsand assigns)hasthesight: (A) to exerciseany or all of thoserights, including, but not lirnited to, the right to forecloseand sell the Property;and (B) to take any action required of Lender including, but not limited to, alcasing and cancelingthis Security Instrurnent. AA(NY)(eson)CHL(08/05) Page 2ctis Pono2033Wet FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 DESCRIPTION OF THE PROPERTY I give MBRSrights in the Propertydescribedin (A) through(0) below: (A) The Propertywhich is locatedat 32-S2 106TilSTREET [Sheety EAST ELMHUST [Ci¾TownorVinsae],New York 11369 [ZipCods].ThisPmparty is in QUEBNS County. It hasthe following legaldescription: As par legal description attached hereto and made par thereof . Baing the same premises conveyed to the mortgagor (s) herein by deed to be recorded simultaneously herewith. This is a first purchase money nort;gage. (B) All buildings and other improvementsthat arelocatedon the Property describedin subsection(A) of this section; (C) All rights in otherproperty thatI haveasownerof the Paperty describedin subsection(A) of this section. Theserights areknown as"easementsandappurtenances attachedto the Propertyf (D) All rights that I hav9 in the land which lies itt the streetsor roads in ftont of, or next to, the Property describedin subsection(A) of thia section; (E) All ibrturesthat are now or in the future will be on the Property describedin subsections(A) and (B) of this section; (P) All of the rights and property describedin subsections(B) through (B) of this sectionthat I acquirein the future; and (G) All replacementsof or additionsto the Propertydescribedin subsections(B) through (P) of this section andall InsuranceProceedsfor lossor damageto, andall MiscellaneousProceedsof the Propertydescribedin subsections(A) through (P) of this section. BORROWER'S RIGHt TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNERSHIP OF TITE PROPERTY I promise that- (A) I lawfully own the Property;(B) I havethe right to mortgage,grant and convey the Property to Leader; and (C) thereareno outstandingclaims or chargesagainstthe Property,exceptfor those which areof public record. I give a generalwarranty of title to Leader. This meansthat I will be thily reisponsiblefor any lossea which Lender suffers becausesomeoneother than myself has some of the rights in the Property which I prornisethat I have.I promise that I will defend my ownership of the Property against any claims of such rights. PLAIN LANGUAGE SECORITY INSTRUMENT This Security Instrument containspmmises and agreementsthat are used in real property security instrumentsall over the country.It also containsotherpromisesandagreementsthat vary in differentparts of the country. My prornisesandagrequentsarestatedin "plain language." COVENANTS I pmmiseandI agreewith Lenderasfollows: Promise to Pay. I will pay to Leaderon time principal and interestdueunder the Note 1. Borrower's and any prepayment,late chargesand other amountsdue under the Note. I will also pay all amountsfor EsomwItemsunderSection3 ofthis SecurityInstrument. Paymentsdue undertheNote andthis SecurityInstrumentshall be made in U.S. currency.If eny of my payments by check or other payment instrument is returned to Lender unpaid, Lender may require my paymentbe madeby: (a) cash;(b) moneyorder;(c) certified check,bank check, treasu;er'scheckor cashiefs check, drawnupon an institution whosedepositsareinsumdby a federal agency,instrumentality,or entity; or (d) ElectronicFundsTransfer. Paymentsare deemedreceived by Lander when receivedat the location required in the Note, or at anotherlocation designatedby Leader cader Section I5 of this Security Instrument.Leader may return or acceptany paymentor partial paymentif it is for an amountthat la lessthan the amountthat is then due. If Lender acceptsa lesserpayment,Leader may refuseto accepta lesserpaymentthat I may makein the future and doesnot waive any of its rights. Lenderis not obligatedto apply such lesserpaymentswhen it accepts such payments.If interest on principal accruesas if all Periodic Paymentshad beenpaid when due, then Londer nogd not pay interest on unapplied funds. Leader may hold such unapplied thnds until I make paymentsto bring the Loan current, If I do not do so within a reasonableperiod of time, Landerwill either sA(NY)(0s0s) CHL(OS/OS) PageSof13 Form30331tO1 FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 apply suchfundsor retum themto me. In the eventof fbreclosure,any unappliedfundswill be appliedto the outstandingprincipal balanceimmediatelyprior to foreclosure.No offbet or claim which I might havenow or in the future againstLander will relieve me from making paymentsdue under the Note and this Security Instrumentor keepingall of my otherpromisesandagreernents securedby this SecurityInstrument. 1 Application of Borrower's Payments and Insurance Proceeds.Unless Applicable Law or this Section2 requiresotherwise,Lender will apply eachof my paymentsthat Lenderacceptsin the following order: First, ro pay intemstdueunderthe Note; Next, to pay principal dueundertheNote; and Next, to pay theammmtsdueLenderunderSection3 of this SecurityInstrument Suchpaymentswill beappliedto anchPeriodic Paymentin the orderin which it boosmedne. Any remainingamountswill beappliedas follows: Pirst, to pay any late charges; Next, to pay any otheramountsdueunder this SecurityInstrument;and . Next, to aduce theprincipal balanceof theNote. If Leaderseceivesa paymentfrom me for a latePeriodicPaymentwhich includesa suinoicnt amountto pay any late chargedue,the paymentmay be appliedto the latePeriodiePaymentandthe late charge.If more thanone PeriodicPaymentis due,Lender may apply any paymentreceivedfrom me: Pirst, to the repayment of thePeriodioPaymentsthat aredue if, andto the extent that, eachpaymentcan bepaid in full; Next, to the extent that any excessexists after the payment is applied to the fitli payment of one or more Periodic Payments,suchexcessmay beappliedto any latechargesdue. Voluntary prepaymentswill be applied as follows: Pirst, to any prepaymentcharges; and Next, as describedin theNote. Any applicationof payments,InsuranceProceeds,or MiscellaneousPmecedsto principal dueunderthe not extend ar postponethe due date of the Periodic Paymentsor changethe mnount of those Note will Payments. 3. Monthly PaymentsFor TaxesAnd Insurance. (s) Borrower's Obligationa I will pay to Leaderall amountsnecessaryto pay ibr taxes,assessments, water charges,sewerrentsand other similar oharges,groundleaseholdpaymentsor rents(if any), hazardor property insurancecovering the Property, flood insuranceOf any), and any required Mortgage Insurance,or a Loss Reserveas describedin Section10 in the place of MortgageInsurance.BachPeriodioPaymentwill include an amountto be appiled towardpaymentof the following itemswhich arecalled "Esomw Items:" water charges,sewerrentsand othersimilar charges,on the Property which (1) The taxes,assessments, underApplicableLaw may be superiorto this SecurityinstrumentasaLien on theProperty.Any claim, demandor chargethat is madeagainstproperty becausean obligation hasnot beenfulfilled is known as a "Lient (2) The leaseholdpaymentsor groundrentson the Property(if any); insurancerequired by Leader under Section S of thia Security (3) The prernium for any and all Instrument; (4) Thepremiumfor MortgageInsurance(if any); (5) The arnountI may berequiredto pay LenderunderSection 10of this Security Instrumentinsteadof thepaymentof thepremiumfor MortgageInsurance(if any); and (6) If requiredby Lender,theamountfbr anyCommunityAssociationDues,Pees,andAssessments. After signing the Note, or at any time during its term, Lender may Inoladetheseamountsas Escrow Items.The monthly payment1will make for EacrowItemswill be basedon Lender'sestimateof the annual amountrequired. I will pay all of theseamountsto LenderunlessLendertells me, in writing, thatI do not haveto do so, or make thesepaymentson the sameday that my Periodic unlessApplicable Law requiresotherwise.I will Paymentsof pdncipal andinterestaredueundertheNote. The amountsthat I pay to Lenderfor EscrowItemsunderthis Section3 will be called"EscrowPunds."I will pay Londer the EscrowPundsfor Escrow Items unlessLander waives my obligation to pay the Escmw Pundsfor any or anEscrowItems,Lander may waive my obligation to pay to LonderEscrowPundsfor any or all EscrowItems at any time, Any such waiver must be in writing. In the avent of such waiver, I will pay directly, whenandwherepayable,theamountsdueibr any Escmw Itemsfor which paymentof EscrewPunds has been waived by Lender and, if Lender requires, will promptly sendto Leader receipts showing such paymentwithin suchtime periodasLander may require.My obligation to makesuchpaymentsandto provide receiptswill be consideredto be apromiseandagreementcontainedin this SecurityInstrument,asthe phrase "promisesand agreements"is usedin Section9 of this SecurityInstrument.If I am obligatedto pay Escrow Items directly, pursuantto a waiver,andI fail to pay the amountduefor anEserowItem, Leadermay pay that amountand I will then be obligatedunder Section9 of this Security Instrumentto repay to Londer.Lander may revokethe waiver asto any or all EscrowItems at any time by a noticegiven in accordancewith Section pay to Lander all Escrow Pands, and in 15 of this Security Instrument and, upon the revocation, I will amounts,thatarethenrequhedunderthis Section3. aA{NY)(oso6)CHL(ssio5) Page4 ofS Form30s31101 FILED: QUEENS COUNTY CLERK 10/16/2018 04:57 PM INDEX NO. 704620/2018 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 10/16/2018 I promiseto promptly sendto Lender any notices that I meeive of Escrow Item amountsto be paid. Leader will estimatefrom time to time the amountof Escrow Funds I will haveto pay by using existing andbills andteasonableestimatesof theamountI wiII haveto pay for EscrowItems in the future, assessments unlessApplicableLaw requiresLenderto useanothermethodfor determiningthe amountI am to pay. Lender may, at asertirne, collect and hold EscrowPunds in an amountsufficient to permit Lender to apply theEscrowFundsat the time specifiedunderRESPA.ApplicableLaw puts limits on the total amountof EscrowPundsLondercan at any time collent andhold, This total amountonnnotbe more thau the maximum amounta lendercouldrequireunderRESPA.If thereis anotherApplicableLaw that imposesa lower limit on the total amountof EscrowFundsLendercancollect andhold, Lunderwill be limited to the lower amount. (b) Lander's Obligations. Leaderwill keepthe EserowPendsin a savingsor banking institutionwhich hasits depositsinsured by a federal agency,instmmentality, or entity, or in any FederalIIome Loan Bank. If Lenderis such a savingsor bankinginstitution, Lender may hold theEsorowFunds.Leaderwill usethe EscrowPundsto pay theEscrow Itemsno Interthan the time allowed underRESPAor otherApplicable Law. Lenderwill give to me, without charge,an annualaccountingof theEscrowFunds.That accountingwill showall additionsto and deductions ftom theEscrowFundsandthe reasonfor eachdeduction. Lendermay not chargeme for holding or keepingthe Escrow Funds,for using the EsorowFundsto pay Escrow kems, for making a yearly analysisof my paymentof EscrewFundsor for receiving, or for verifying and bills. However, Leader may chargeme for theseservicesif Lender pays me and totaling assessments intereston theEscrowFundsandif Applicable Law permitsLeaderto makesucha charge.Lander wilt not be required to pay me any interest or earningson the Eserow Fundsunlesseither (1) Lender and I agree in pay interest on the Bscrow Pnada,or (2) Applicable Law requiresLender to pay writing that Lander will intereston theEscrowFunds. (c) Adjustments to the Escrow Funds. UnderApplicable Law, there is a limit on the amountof EscrowFundsLeadermay hold. If the amount of EscrowPhndsheld by Lender exceedsthis limit, thentherewiII be an excessamountandRESPA requires Leaderto accountto mein a specialmannerfor theexcessamountofEscrew Funds. If, at any time, Lander has not receivedenoughEscrow Pundsto makethepaymentsof Escrow Items when thepaymentsare due,Leader may tell me in writing that anadditionalamountis necessary.I will pay to Leader whateveradditionalamountis necessaryto pay theEscrowItemawhenthe paymentsare due, but the numberofpaymentswill not be morethan 12. WhenI havepaid all of the SumsSecured,Lenderwill promptly refbadto me any EscrowPundsthat are then beingheld by Leader. 4. Borrower's Obligation to Pay Charges, AssessmentsAnd Claims. I will pay all taxes,assessments, water charges,sewerrentsand othersimilar charges,and any otherchargesandfines that may be imposedon the Propertyand that may be superior to this SecurityInstrument.I will also makegroundrents or paymerits dueunder my leaseif I ama tenant on the Propertyand CommunityAssociationDues,Fees,and Assessments any) due on the Property. If (lf theseitems are Escrow Items, I will do this by making the paymentsas describedin Section3 of this Security Instrument.In this SecurityInstrument,the word "Person"meansany individual, organization;govemmentalauthority or otherparty, I will promptly pay or satisfy all Liens against the Property that may be superior to this Security Instrument.However, this Security Instmmentdoesnot requireme to satisfya superiorLion ift. (a) I agree,in writing, to pay the obligation which gaverise to the superiorLisa and Londerapprovesthe way in which I agreeto pay that obligation, but only so long asI am performing such agreernent;(b) in good faith, I argueor deibndagainstthe superiorLIen in a lawsuit so that in Lenders opinion,during the lawsuit, the superiorLion may not be enfbreed,but only until the lawsnit ends; or (c) I securefrorn the holder of that other Lien an agreement,approvedin writing by Lender,thatthe Lien ofthis Secmity Instrnmentis superiorto the Lien held