RHODE ISLAND SUPREME COURT i . UNAUTHORIZED PRACTICE OF LAW COMMITTEE
IN RE: WILLIAM E. PAPLAUSKAS, JR. UPLC 2015-6 l
A endix Vol. II
Table 0f Contents i
Exhibit 1 Complaint (dated August 5, 2015).
Exhibit 2 Notice 0f Complaint t0 Respondent (dated February 29, 2016).
Exhibit 3 Response to Complaint (filed on March 15, 2016).
Exhibit 4 Notary Held Harmless form.
Exhibit 5 Affidavit of Vincent Majewski.
Exhibit 6 Affidavit of Rebecca Majewski. ‘ . Exhibit 7 Subpoena from Committee to JPMorgan Chase Bank.
Exhibit 8 Subpoena from Committee to ServiceLink.
Exhibit 9 Records produced by JPMorgan Chase Bank in response t0 subpoena.
— “A11 Terms Met.” Exhibit 9, pg.13.
- “Signature Verification Affidavit.” Exhibit 9, pg. 14.
— “Signature Verification Page.” Exhibit 9, pg. 15.
- “Borrower’s Identification Statement.” Exhibit 9, pg. 16.
- “Errors and Omissions/Comvliance Agreement.” Exhibit 9, pg. 25.
— “Mortgage.” Exhibit 9, pg. 47—73. 9/5/2618 8:51 AM
. Exhibit 10 Records produced by ServiceLink in response to subpoena. - “Settlement Statement, HUD-l .” Exhibit 10, pg. 78—81.
- “Truth in Lending Disclosure.” Exhibit 10, pg. 86—87.
- “Note.” Exhibit 10, pg. 90-92.
- “Uniform Residential Loan Application.” Exhibit 1 0, pg. 93-96.
- “Request for Taxpayer Identification Number and Certification.” Exhibit 10, pg. 99.
- “Request for Transcript of Tax Return.” Exhibit IO, pg. 104.
- “Document Correction Agreement.” Exhibit 1 0, pg. 108.
- “Lock—In Ageement.” Exhibit 10, pg. 109-1 10.
- “Acknowledgement of Receipt of Appraisal/Evaluation.” Exhibit
1 0, pg. 11 1. . - “Notice ofNonrefundabilitV of Loan Fees.” Exhibit 10, pg. 117. - “Mortgage Commitment Letter.” Exhibit 10, pg. 118-120.
- “Initial Escrow Account Disclosure Statement.” Exhibit I 0, pg. 125.
- “Tax Information Sheet.” Exhibit 10, pg. 126.
' - “Settlement Agent Fee Sheet.” Exhibit 10, pg. 131.
— Exhibit 11 General Laws 1956 § 19-9-6. (Lending institutions Title attorneys.)
Exhibit 12 General Laws 1956 § 42-30-8. (Powers of notaries.) 5
Exhibit 13 Standards of Conduct for Notaries Public in the State 0f Rhode Island.
Exhibit 14 Federal Trade Commission/Department of Justice Letter re: é
Proposed Bill H. 7462 (dated March 29, 2002). i
I 9/5/201 8 8:51 AM
Exhibit 15 Federal Trade Commission/Department of Justice Letter re: . Comments 0n the American Bar Association’s Proposed Model Defmjtion of the Practice of Law (dated December 20, 2002). 9/5/2018 8:51 AM ”
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w _ -. _ f Notw1thstand1ng Mr Paplauskas dlsclosure form he acted m the customary capac1ty of an "'- A ' 'f-aftom'eY a'nd explained compl‘éx legal documents tQ th'e Buyers In addltio'n I rajse the followmg .:- ~‘.
”i'pomts th‘e .. ‘ that when Vlewed 1n their. entirety, should lead fins Honorable Commlttee to ' ~, - :conclus1on thaI only an attomey s'ho'uld conduct reaI estate Closmg transactlons in Rhoda Island
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:' ...._ '21:. Attorneys are requlred to mamtam Malpracnce Insurance, Notary Pubhos are not ’.
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the" h'a's a‘ 2 It. 1s reasonable to ponder what 1eco11'r‘se Buyer agamst Notary Public should the defa'ult the Iqan'securmg 1116 purchased wefe not Buyer on property c1a1m1ng they “—"H—‘—'—.-: I "" ' 7 ' properly informed or ifIhe' Notary Pubhc faded 10 dISclose that there was a-l’re— ,- Payment penalty
‘ - - -_. 3.;jAttomeys h‘o1c1 deeds ésc'fow until they are recorded, usually that (13y Mr " 1n ' ' h'as n'o 1 - Papauskas Such requlrement 10 maintam an esctdw account .
- 4. Cl'osing' attorneys ane. subject to 'oversig‘ht by' fhe' Consumer F111ance Protectlon
-'.' "‘-Bur'e'_au and the Rhode-"Island 81111181110 Court for su0h~ mat'te'rs a's secunty ofnon— ~
' ' public private Paplau'skas no't hav'e , mformatlon, Mr. d0es oversight. 1 j any A N01ary ' " Public Will have' a copy 0fthe Bnyers L0'an' Apphcatlon (Form 1003) 1n the" Closmg this 'i‘onn cnntam's the Buyers entire fisc'al' ered1't h1story meludmg all ' ipackaga an(1 -~ 'j:_‘.@cc0unt and credit card numh'ers. ,. . _
subjec't 'hy I .5. 1. Closmg attorneys are t0 oveISIght the Consumer Finance Protectlon
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'~ ~- as’ : -_~ Bureau and Ihe Rhode' Isla’nd Supreme Cburt for such matters neghgence and ' ' .___ ‘ ‘ - malfeasance Mr. Paplauskas does nothave any overmght .
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" ' ' " "’ ’— f: lei'I'. 6 Mr. Paplauskas the Clesmg' W11h0111 completmg the Settlement Agreement the I: ‘ " W-h'en F'Sefilement Agent’s blank. .‘q11e1’ied5 Paplauskas , ' block j'. signature was left M13 13' f replied ”that the Lender Would fill that s'ecti'onin 'Local eusto'm that the attorney Whp dishnrse's. ls ”(he Settlement Agent' 'a'n'd- that he Witnesses slgnatures ' funds Ihe 0f
'~ ' ‘ ‘a the p@‘1'hes. Executmg d_oeument, a_s-Settlement Agent, When yo‘11 Were not 1n.
'~' - at' attendance Closing ls anunacceptable practwe .. the 1
' 71': M1. Paplauskas was n01 the dlsbursmg agent; an act.customary performed hy' an
-. 0‘1 . . attorney. title Assummg' the title p10v1de1 was duly licensed" . company. m Rhede
' 1' Isla'n’d; .this raises the q'uestion 01‘ adherenCe 10 0111 local 1eq1111e'ment Q'f IOLTA' ' th'e 'Bar' .. interest being” ‘sWept’ by RI AsSociat1'0'n 01-the per diem' inteLest being .Caleula'te'd and 1eturned' 10 the Buyer. Having nonrhcen'sed attorneys, 01 fe're'ign entities ceriduct an'd disburse Closmgs undermines the intent a'n‘d' 'th'e Control 'over
' ~ - comphance Wlth the riules of esc10W accounts .
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'18; ~. By alleWing non—attomeys 10' conduct Closmgs, a hcensed Rhede' Island attorney is.- difficult predICament I to 'o've'r dee'd ‘ a awkward had an executed , p1aee(1 m and 111m 1 ' ' - not' non-pubhc personal a P1113110;- 101d he .. ; anc1 infennatibn IWas did . j: 10 N01a1y knew : 9/5/201 8 8:51 AM
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u" . . When- it would be recorded and that he d1d not the s know When Seller fimds would be .
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By a1] accounts Mr. Paplauskas perfonned the’ acts that a hcensed Rhode Island attorney would
a'nd ' His adv1ce may have been true conect however, When vieWed m totahty, it ls mcumbent ' " 10' 'C'lo'Sing's 'j- this 1e'al Sst‘at'e 11'1 '.'-".. - _11p011 Honorable Cdmxmttée find that RhodS. IS1a1'1d' 1111131 11S. .
-‘ 2‘ performed officmted dlsbursed and otherwme conducted by a‘ 11oehsed attorney
fa.1 As the purchase of a 1101116 1S usually the Iarg‘est- purchase Of a persofi’ s 11fe, the secunty of ~ 1
.. having a_ licensed attorney, Sublect to sanctio‘n d1301phne ' and perform the Closmg 1s wamanted a11d"1s -'truly-' a consumer protecuon matter ’
.~.' Respectfiflly submltted I
JohnA Pagllarml, Is $q-’f '
Contactlnformatmn " -. ,E'sq.. ‘6237’ 1 JohnA Paghanm, Jr
z Attorney 'At Law
. 391-3 SulteE . j MamRoad,
‘ .; Tiverton, Rhoda Island 02878
‘ - (401) 816—5100 " (401) 816 5175 fax .
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~ :WflhamE Paplauskas, Jr ‘
~ 1 ngotar'y. Public. .
~ .~ j13QHig'h1and Street ' - ‘Cianston', Rhode ISlarid 02920—1739 ‘-
. .~. 714 0476 . 11491) . S
i (401) 714 0476 fax
'. . 13111 a verizoh.net- 9/5/201 8 8:52 AM
supreme Court Licht Judicial Complex ~ q ' ‘. . . 250 Benefit Street ‘ Unauthonzed P1 Iacme ofLaw Commztz‘ee Provi deuce, RI 02903 g
February 29, 2016
William E. Paplauskas, Jr. 130 Highland Street
I Cranston, RI 02920—1739
Dear Mr. Paplauskas:
Please be advised that on August ll, 2015 the Unauthorized
g Practice of Law Committee of the Supreme Court received the ‘ enclosed complaint alleging that your involvement as a notary and closing official in a Rhoda Island real estate transaction violated R. I. General Laws §11—27—12. The complaint was filed ~
u by attorney John A. Pagliarini, Jr., who represented the sellers . ; at the Closing held in his office in Tiverton, Rhode Island on July 21, 2015.
After a investigation by screening committee it has been. , determined that there is probable cause that the conduct
f described in the complaint constitutes the unauthorized practice = of law.
) Accordingly, the committee has voted to conduct an
investigational hearing pursuant to its rules. That hearing .
I will be held at 2:00 P. M. on April 13, 2016 at the John i Bourcier Conference Room, 7th Floor, 250 Benefit'Street,
. . Providence I
In accordance with the rules of the Committee, you are i
required to file a response to the Complaint with twenty (20) - days of the date of this letter. 'Any allegations contained
therein that are not denied shall be deemed admitted. For your i convenience I am enclosing a copy of the Rules of Procedure ' adopted by the Supreme‘Court governing these proceedings. 3 9/5/201 8 8:52 AM I
. Supreme Court Licht Judicial Complex i ,' _ , 250BnfitStret Unauthorized Practzce ofLaw Comnuttee Provides; RI 07303
William E. Paplauskas, Jr. February 29, 2016 Page two
Would.you please sign-this notice below and return it to me for the Committee’s file.
The Committee is available should you wish to discuss this _matter in an attempt to' reach an informal resolution.
‘
Sincerely, i
: Richard P. D’Addario Chairman
Enclosure
Received on 2016:
William E. Paplauskas, Jr. 9/5/201 8 8:52 AM
SCIACCA & PICCIRILLI ATTORNEYS AT LAW - 121 PHENIX AVENUE CRANSTON, RHODE ISLAND 02920
JOSEPH A. SCIACCA (401') 9.464900
GREGORY P. PlCClRlLLl FAX NO. (401) 944-3250
VINCENTJ. PICCIRILLI 0F COUNSEL
March 15, 20,16
Julie P. Hamil, Esq. Office of the Judiciary R.I. Supreme Court
250 Benefit St. Providence, RI 02903
RE: William E. Paplauskas, Jr. Unauthorized Practice of Law Committee
August 5, 2015 complaint ’of John Pagliarini, Esq.
Dear Ms. Hamil:
Please consider this as MI. Paplauskas’ response to the complaint letter of Mr. Pagliarini dated August, 5, 2015.
In the closing referended in the complaint letter, Mr. Paplauskas was hired by ServiceLink, a title company Which engaged him as a Notary Public to secure the signatures of the borrowers on the loan documents for JP Morgan Chase in connection With the purchase of certain real estate. He prepared no legal documents, and provided no legal advice, and made that fact known to all parties to the transaction.
It mustbe noted that some ofthe statements contained in the letter are not and cannot be based upon the first person knoWledge oer. Pagliarini. He did not attend the closing, another attorney in his office did, Hailey Conn. It was Ms. Conn who was in contact with ServiceLink on behalf of the sellers. Ms. Conn had a power of attorney for her seller clients, as they did not attend the closing, but had signed the seller documents prior thereto.
In fact, a representative of ServiceLink, Janet Tanner, contacted Ms. Cofin prior to the closing to explain the process, and made arrangements for the disbursement of the proceeds t0 her client, the seller. It appears nowhere in the complaint that there was any undue delay or problem with either the recording of documents or disbursement of the closing fimds.
In accordance with his normal practice, Mr. Paplauskas contacted the buyers prior to the closing to advise them of the date, time and loeation. As to the allegation that the buyers were “surprised” that MI. Paplauskas was not an attorney, this was not his impression oftheir reaction at the closing. raw 9/5/201 8 8:52 AM
Julie P. Hamil, Esq. March 15, 2016
Page 2 of2 ‘
As made explicit in the “Notary Hold Harmless” letter attached hereto, and signed by the buyers, Mr. Paplauskas did not provide legal advice, or explain the legal ramifications 0f the do cuments. If th’e buyers had any such questions, they would be referred t0 their lender, title Company, or an attorney ifthey so choose to hire one.
With regard to each specific allegation in the complaint letter, Mr. Paplauskas responds as follows:
1. While Mr. Paplauskas does not and is not required as a Notary Public to carry ‘Malpractice Insurance”, he does carry a policy for Errors and Omissions. Any question of malpractice or similar insurance held by a title company and the lender would be best addressed to them.
If MI. Pagliarini pondered a little harder, he would have considered that the entity against whom the buyers would have recourse for a failure to understand a pr'e-payment penalty
would be the lender itself, not some notary or even attorney for failing to explain its significance. Ifthe buyer has any questions regarding the loan documents, those questions are referred to the loan officer or bank representative.
Not all attorneys record the deed themselves; many employ title examiners or recorders to do so. Moreover, in this case, immediately afier closing, Mr. Papléuskas overnighted
the deed to the title company; it was the title company which was responsible for having the deed recorded, and arranged for the disbursement. Presumably the title company has such an escrow account, although that would be a question better presented to ServiceLink.
Mr. Paplauskas is hired by ServiceLink, which i's governed by the CFPB. His oversight is through them. He is in no different position than the thousands of employees and agents of such lenders, title companies and attorneys who have access t0 such privacy material.
ServiceLink has the ultimate responsibility for the protection of such material. It is not within the purview of this Committee or the RI Supreme Court to opine on the requirements of that federal law.
The same answer to No. 4 applies here.
Who signs a settlement statement, 0r closing disclosure (CD) as the new form fiom the CFPB is called, is governed by federal law, and is not within the purview of the RI Supreme Court. Where no lender is involved, I know of no legal requirements as to its form or content, or even the need for a signature to such a documentby anyone other than
the buyer and seller. . a. 9/5/201 8 8:52 AM
Julie P. Hamil, Esq. M'arch 15, 2016 Page 3 of 3
7. Any questions about the title company, and its pro cedures for holding and disbursing escrow fimds, should be addrcs‘s'ed to ServiceLink.
8. Mr. Pa'gliarini turned over nothing; he was not 1'11 attendance at the closing. His associate, Hailey Conn, was in touch with ServiceLink, and presumably had all ofher questions and concerns regarding this information addressed prior t0 closing. She obviously had no
problem, as she allowed the closing to. be conducted at her ofice.
In reviewing this matter, we ask that allegations in a complaint made by a member ofthe bar be held to a higher scrutiny than if this complaint were filed by a lay person. Mr. Pagliarim' makes accusations which he cannot support, and implies first—hand knowledge When he was not present at the closing and was not aware of what actually occurred. He has also omitted some key facts. And his attitude towards Mr. Paplauskas in confionting him after the closing was intimidating, bullying, and unprofessional.
In summary, we recognize that there is a legitimate question for the RI Supreme Court as to whether and under what cifcumstances it should be advisable or required that an attorney licensed in this state conduct a real estate closing. This question has been debated by the General Assembly, and other states have different requirements based upon common practice, court rulings and statute. It is unfortunate that Mr. Paplauskas is being used as a test case for this purpose. The proper forum for getting an answer to such a question would be through a declaratory judgment action in Superior Court, or perhaps by ceitification of the question to the Supreme Court.
But the fact remains here that at no time did Mr. Paplauskas engage in the practice of law. We ask that this complaint be dismissed.
Very tru yours,
Gregory P. Piccirilli
GPP/lp
cc: William E. Paplauskas, Jr. 9/5/201 8 8:52 AM
NOTARY HELD HARMLESS
Please read prior to Signing Loan Documents
Loan Number(s) )q Ufij i 2 \q Le?
Please be advised thatWilliam E. Pa lauskas Jr. is a Notary Public and N__OT a Loan Officer 'IS and/or Employee of U mo (a Pm (I‘m Av: this (Mortgage Broker, Mortgage Banker, Lender, Affiliates, Subsidiaries ASSIgns TI-tle Company, Title Agency, SIgning
Company, Escrow Company, etc. ) and Is actmg only as a Notes! Public. As a Notary Public he Is NOT authorized to discuss any aspects of your loan. if you need information regarding your loan amount interest rate. or any otherterms ofyour ioan documents you should contact .yom Loan Officer and/or your Lender.
The Notary Public’s duties for this transaction .are to witness thatyou, the Signer(s) of the enciosed loan documents have declared that your identity at the closing table and your signaturé on such loan documents are genuine. The Notary Public wiii instruct you as to your Lender required Signature(s), lnitial(s), and Date' for these Documents- Failure to comply will cause delays in Funding of your Loan.
\
As a member in good standing with the National NotaryAssociation lWiiliam E. Paplauskas, Jr. have agreed to adhere to that organization s “Pledge of Ethical Behavior” and'In doing
so i will declare to you thatl am not an attorney and therefore, by law cannot explain or interpretthe contents of any documentfor you, instruct you on howio complete a document or direct you on the advisainity of signing a particular document. By doing so lWilliam E. Paglauskas. Jr. would be engaging in the unauthorized practice of law, and could face legal ' penalties that include the possibility of incarceration. Any important questions about your Loan document(s) should be addressed to the Lender, Title Company, or an Attorney
PLEASE SIGN BELOW BEFORE SIGNING ANY LOAN DOCUMENTS
llWe cerfifl that llWe will not solicit William E. Paplauskas, Jr. for advice on this loan and do not expect him to provide any infOrmation or advice with respect to the signing of the enclosed Loan documents
’ ‘5 %'76M7Z ”/0 rims H 7/9///5 STgnature of BorrowerIOWnerISignar Name of BorrowerlOwnédSigner (Printed) Da'te
“ \ . - Qabzcm Maywmt 7/Rl JIS
ml;' ' - - ' .- :- = Name of BorrovIIerIOwnerISigner (Printed) Date
- William E. Pa'-lau8kas Jr. Fublic Name of Notary Public 9/5/201 8 8:52 AM
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.i' STATE OF RHODE ISIAND AND "~~~JI"--= PROVIDENCE PLANTATIONS
Supreme Court Licht Judicial Complex 250 Benefit Street Um’zuthorizedPractzbe oquw Committee Providence, R1 02903
William E. Paplauskas, Jr. February 29, 2016 Page two
Would you please sign-this notice below and return it to me for the Committee’s file.
The Cammittee is available should you wish to discuss this matter in an attempt to'reach an informal resolution.
Sincerely, . @WPQAAAW Richard P. D' Addario Chairman
Enclosure
Received on ag3<§filc Lx ),2016:
’V 9/5/201 8 9:1 3 AM
NOTARY HELD IiARMLEss
Pljej’aSe read prior to Signing Loan Documents
Loan Number(‘s) 30g Ly?) I 1 \Gx w
PleaSe is‘ ' be advised that William EjaLauskas. Jr. a Notary Public and NOT a Loan Officer and/orEmponee of “IS. D Mora c. rah Ck m: this (Mortgage Broker Mortgage Banker, Lender Affiliates, Subsidiaries Assigns, Trtle Company, Title Agency, Signing
Company, Escrow Company, etc. ) and Is acting only as a Notag Public. As a Notary Public he Is NOT authorized to discuss any aspects of your loan. if you need information regarding your loan amount, interest rate, or any otherterms of your loan documents you should contact Lyour Loan Officer and/or your Lender.
Th‘e’ Notary PUblic‘s duties for this transaction are to witness that you, the Signer('s) of the enclosed loan documents have declared that your identity at the closing tabie and your signaturé on such loan documents are genuine. The Notary Public will instruct you as to your
Lender required Signature(s), lnitiai(s), and Date'forthese Documents. Failure to comply wiii cause delays in Funding of your Loan.
)
As a member'In good standing with the National NotaryAssociation iWiiliam E. Paglauskas,
J_r_. have agreed to adhere to that organization’ s “Pledge of Ethical Behavior” and In doing
so, i wiii declare to you that i am not an attorney and therefore by iaw cannot explain or interpret the contents of any document for you, instruct you on how to 00mpiete a document or direct you on the advisability of signing a particular document. By doing so IWilIiam E. Paglauskas, Jr. would be engaging in the unauthorized practice of law, and could face legal ' penalties that include the possibility of incarceration. Any important questions about your Loan document(s) should be addressed to the Lender, Title Company, or an Attorney.
PLEASE SIGN BELOW BEFORE SIGNING ANY LOAN DOCUMENTS
llWe cerfifl that I/We will not solicit William E. Paplauskas, Jr. for advice on this loan and do not expect him to provide any information or advice with respect to the signing of the enclosed Loan documents '
P.“ -%’7€M7Z fl/alkfwoib‘ // . 7/9///I signature of BorrowerlOwnerISigner Name of BorrowerIOwnérJSigner (Printed) Date
.ertccm Ma Iowan? vlal lIs Name of BorroyVerIOwnerISlgner (Printed) Date
William E. Papiauskas, Jr. Name of Notary Public 9/5/201 8 9:14 AM
RHODE ISLAND SUPREME COURT UNAUTHORIZED PRACTICE OF LAW COMMITTEE
IN RE WILLMM E. PAPLAUSKAS, JR. UPLC File N0. 201 5-6
AFFIDAVIT OF VINCENT MAJEWSKI
I, Vincent MajeWski, afier being duly sworn, upon oath, depose and say as follows:
1. ThatI am the owner of real estate property located at 528 Nanaquaket Road,
Tiverton, Rhode Island, '02878, Tiverton Tax Assessor’s Plat 403 Lot 167.
That I own said real estate property jointly with my wife, Rebecca Majéwski.
That on July 21, 2015, a real estate closing was conducted at the law office of
John A. Pagliarini, Jr. in Tivelton Rhode Island for the purpose of executing
documents necessaly to secure my ownership of said real estate property
located at 528 Nanaquaket Road, Tivel’ton, Rhode Island.
That William E. Paplaskas, Jr., a notary public, appeared at said real estate
closing on July 21, 2015 in possession of real estate closing documents
intended to secure my ownership to said real estate propefly.
That at the beginning of said real estate closing William E. Paplaskas, Jr.
presented me With a document titled “Notary Held Harmless” which indicated
that he was acting only as a notary public, that he was not an attorney, and that
he was not authorized to discuss any aspects of the real estate closing
documents; and, thatI signed said “Notary Held Harmless” form at the time it
Was presented to me. 9/5/201 8 9:14 AM
6. That during said real estate closing I signed or initialed each real estate
closing document presented to me by William E. Paplaskas, Jr. and, where
necessary, my signatures were witnessed and attested to by William E.
Paplaskas, Jr. in his capacity as notary public. Ma» Viné’ent Majewski
State of m (XS S
County 0f bgLs’rok
On this 1:1 day ofNovimEe?‘ 20b before me, the undersigned notary public, personally appeared Vm; CQMT (“a:ewsK; (name of document signer), personally knOWn to I u .l J the notary 01‘ proved to the notary through satisfactory evidence of identification, which was to be the person Who signed the preceding or attached document in my presence, and Who swore or affirmed t0 the notary that the contents of the document are truthful and accurate t0 the best of (his)(her) knowledge and belief.
D%VQ [?VLA, » (official signature and seal of notary)
Dougl-fi 8 3. 03F! KR‘eSy' (print name of notaly)
Notary commission expires: a DOUGLAS J. BAHRESI t
. Notary Public . . t
Notary 1dent1ficat10n number: g ~ n h .nh, z THO; MASSACHUSEHS My Commission Expltes / ’ 6 \ July 22, 2022 V 9/5/201 8 9:14 AM
RHODE ISLAND SUPRENIE COURT UNAUTHORIZED PRACTICE OF LAW COMBIITTEE
1N RE WILLIAM E. PAPLAUSKAS, JR. UPLC File N0. 2015-6
AFFIDAVIT 0F REBECCA MAJEWSKI
I, Rebecca Majewski, after being duly sworn, upon oath, depose and say as follows:
1. That I am the owner of real estate property located at 528 Nanaquaket Road,
Tivelton, Rhodc Island, 02878, Tiverton Tax Assessor’s Plat 403 Lot 167.
That I own séid real estate property jointly With my husband, Vincent
Majewski.
wa‘é That on July 21, 2015, a real estate closing conducted at the law office of
John A. Pagliarini, Jr. in Tiverton Rhoda Island.for the purpose of executing
documents necessary to secure ’zmy ownership 0f said real estate property
located at 528 Nanaquaket Road, TiVerton, Rhode Island.
That William E. Paplaskas, 112, a notaly public, appeared at said real estate
closing 0n July 21, 2015 in posgession of real estate closing documents
intended to secure my ownership to said real estate property.
That at the beginning of said real estate closing William E. Paplaskas, Jr.
presented me with a document titled ‘Notary Held Harmless” Which indicated
that he was acting only as a notary public, that he was not an attorney, and that
he was not authorized to dichss any aspects of the real estate closing
documents; and, that I signed said “Notary Held Harmless” fonn at the time it
was presented to me. 9/5/201 8 9:14 AM
6. That during said real estate closing I signed or initialed each real estate
closing document presented to me by William E. Paplaskas, Jr. and, where
necesSary, my signatures were witnessed and attested to by William E.
Paplaskas, Jr. in his capacity as notary public.
r
Reiécca MEJEWSI State of {bass . County of Bglfiok ‘ On this IS day of Mowemfitk 20 '_é, befoxe me, the undersigned notary public, personally appeared_R-ebeCCA mafiewsk I (name of document signer), personally known to the notary 01 proved to the notary through‘satisfactow evidence of identification, which was to be the person who signed the preceding or attached document in 'my presence, and who swore or affirmed to the netary that the contents ofthe document are truthfiJl and accurate to the best of (his)(her) knowledge and belief. .‘Q‘N ‘ V Va» it ; s‘ignature >4 M (official and seal ofnotary) 6 Dévcgkfis 3‘- lgfi R R‘QSr’ (print name of notary) Notary commission expires: Notary identification number: 3 _“ _. - -aTHOFHASSACHUSEn’S My Commission. Expires WWW'WV‘HTJuly 22. 2022 9/572018 9:15AM STATE OF RHODE ISLAND AND ENHO‘WLW -n<= "fun; PROVIDENCE PLANTATIONS Supreme Court Licht Judicial Complex ‘ . . . 250 Benefit Street Unauthorzzed Practzce ofLaw Commzttee Providence, RI 02903 April 26, 2016 Hand—Deliveted Rhode Islmd Division of Shefiffs c/o Pamela Dosreis Civil Division 670 New London Avenue Cranston, RI 02920 RE: Rhode Island Supreme Court Unauthorized Practice of Law Committee Request for Service of Subpoena. UPLC v. William E. Paplauskus, Jr. UPLC File No. 2015-6 Dear SiI/Madam: By this letter, the Unaufhofized Practice of Law Committee (“Committee”) of the Rhode Island Supleme Court lequests that the Rhode Island Division of Shéfiffs serve the enclosed subpoena on jPMorgan Chase Bank, N A. though H3 agent CT Co1pomfion System, 450 Veterans Memonal Parkway, East P1ovidence, Rhode Island, 02914. The Committee 1equests that the subpoena be served as soon as possjbleand that P1oof of Service be returned to ‘Unauthofized P1actice of Law Committee: c/B' Rhode Island Sup1e1ne Couxt ” Clerk, 250 Benefit StIeet, Ptowdence, RI 02905. A self—addressed sta1nped envelope Is enclosed to facilitate Return of Semice. According to out conversation, the forty five ($45) dollar subpoena service fee has been waived on account of this Committee’s status as a state enfity. If any additional infomation is requixed in order to effectuate the requested service, please contact me immediately via telephone ((401) 222-8644). Ve1y tally youls/’ 4 / Thomas M. Betgeron, Esq. Staff Attorney WW~ / Enclosures cc: Unauthorized Practice of Law Committee Members 9/5/201 8 9:1 5 AM STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS SUPERIOR COURT SUBPOENA — CIVJI, Plaintiff/Petitioner Civil Action File Number Unauthorized Practice of Law Committee UPLC N0. 2015-6 Defendant/Respondent William E. Paplauskas, Jr. U Murray Judicial Complex U Noel Judicial Complex Newpofi County Kent County 45 Washington Square 222 Quaker Lane Newport, Rhode Island 02840—2913 Warwick, Rhode Island 02886~0107 *(401) 84l~8330 *(401) 822—6900 U McGrath Judicial Complex Licht Judicial Complex Washington County Providence/Bristol County 4800 Tower Hill Road 250 Benefit Street Wakefield, Rhode Island 02879-2239 Providence, Rhoda Island 02903—2719 ' *(401) 782-4121 *(40 1) 222—3230 T0: JPMorgan Chase Bank, N.A. through its agent CT Corporation System, 450 Veterans 0f Memorial Parkwav. EastProyidefioe Rhoda Island 02914. D YOU ARE HEREBY COMlVIANDED to appear in th‘e Superior Court listed above at the date, time, and couru‘oom specified below to testify in the above-entitled case and bring With you: Courtroom Date ‘ Time J If you need language assistance, please contact the Office of Court Interpreters at (401) 222— 8710 orby email at interpreterfeedbacwourts.ri.,«zov before your coul’t appearance. * Ifan accommodation for a disability is necessaly, please contact the Superior Court Clerk’s Office at the telephone number listed above as soon as possible. TTY users can contact the Superior Court through Rhode Island Relay at 7-1—1 0r 1—800~745-5555 (TTY) to voice number. Page 1 of 3 WZC/V k Superior—Sl (revised December 20 14) 4/ 9/5/201 8 9:1 5 AM v _.s‘r__.-,...r STATE OF RHODE ISLAND AND Ea; C) lnlltp ‘dcn‘uc (v) E PROVIDENCE PLANTATIONS SUPERIOR COURT D YOU ARE HEREBY CONHVIANDED to appear at the location, date, and time specified below to testify at the taking of a deposition in the above—entitled case. Location of Deposition Date Time YOU ARE HEREBY COMJVIANDED to produce and permit inspection and copying of the following documents or objects at location, date, and time specified below (list documents 0r objects): Any and all documents pertaining to Lban Number 1463131910 as further described in the "Exhibit t0 Subpoena" attached hereto. Location Date Time 250 Benefit St, Providence, R! 02903 by May 25, 2016 via mail Any organization not a party to this suit that is subpoenaed for the taking of a deposition . shall designate one or m01e officers, dilect01s, 01 managing agents, o1 othe1 pe1sons Who consent to testlfy (m its behalf and may set f01th, for each pe1son designated, the matters 0n Which the pe1son @{1 testify. (Rule 30%6) 0f the Supelio1 Court Rule 0f Civil Procedure) odeLs d ‘ e: /S/ I! Za/ ' ' orthe D P1 etitioner U Defendant/Respondent ?eyPlaintifflPetitioner D Defendant/Respondent Telephone Number: Issued by l1 Clerk, Notary, or D Issuing Official pursuant Date. K 0'36 I 9-17—3 ow/b to G.L. 1956 § y /s/ Clerk 772912415 M gammaw ame o otary' N _ Signature 0f Now? . Notary commission expires: I "3%" b\(9 ’1 Notary identification number: } £0 i Name ofIssuing Official .“j Signature 0f Issuing Official Page 2 of 3 Superior—Sl (revised December 20 I4) 9/5/2018 9:15AM STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS SUPERIOR COURT The following information is being provided pursuant to Rule 45(c), (d), and (e) of the Superior Court Rules of Civil Pro cedure. (c) Protection ochrsons Subject to Subpoenas. (1) A party or an attorney responsible for the issuance and service of a subpoena shall take reasonable steps to avoid imposing undue burden or expense on a person subject to that subpoena The court on behalf ofwhich the subpoena was issued shall enforce this duty and impose upon the party or attomey in breach of this duty an appropriate sanction, which may include, but is not limited to, lost eamings and a reasonable attorney's fee. (2) (A) A person commanded to produce and permit inspection and copying of designated books, papers; documents, or tangible things or inspection of premises need not appear in person at the place of production or inspection unless commanded t0 appear for deposition, hearing, or trial. (B) Subject to paragraph (d)(2) offlu’s rule, a person commanded to produce and permit impaction and copying may, within foulteen (14) days after service ofthe subpoena or before the time specified for compliance if such time is less than fourteen (14) days after service, sewe upon the seIf-Iepresented litigant or attomey designated in the subpoena written objection to inspection or copying 0f any or all of the designated materials or ofthe premises. Ifobjection is made, the paity serving the subpoena shall not be entitled to inspect and copy the materials or inspect the premises except pursuant to an order ofthe court by which the subpoena was issued. If obje ction has been made, the party serving the subpoena may, upon notice t0 the person commanded t0 ploduce, move at any time for an o1der to compel the produchon. Such an ordei to compel production shall protect any person who is not a party 01 an officer of a party from significant expense 1esu1t1ng fiom the inspection and copying commanded (3) (A) On timely motion, the comt by which a subpoena was issued shall quash or modify the subpoena if it: (1) Fails to allow reasonable fime for compliance; (ii) Requires disclosure ofprivileged or other protected matter and no exception or waiver applies; or (iii) Subjects a person to undue burden. (B) If a subpoena (i) requires disclosure of a trade secret 0r other confidential research, development, or commercial information, or (ii) requires disclosure of an umetained expert's opinion or information not describing Specific events or occurrences in dispute and resulting fiom the expeit’s study made not at the request ofany party, the court may, to protect a person subject to or affected by the subpoena, quash or modify the subpoena or, ifthe party in whose behalf the subpoena is issued shows a substantial need for the testimony or material that cannot be othewvise met without undue hardship and assures that the person to Whom the subpoena is addressed will be reasonably compensated, the court may order appearance or production only upon specified conditions. (d) Duties 1'11 Responding to Subpoena. (l) A person responding to a subpoena to produce documents shall produce them as they are kept in the usual course of business or shall organize and label them to correspond with the categories in flie demand. (Z) When information subject to a subpoena is withheld on a claim that it is privileged or subject to protection as trial preparation materials, the claim shall be made expressly and shall be supported by a description of the nature of the documents, communications, o1- things not produced that is suficieut to enable the demanding paity to contest the claim. e) Contempt Failure by any person without adequate excuse to obey a subpoena served upon that person may be deemed a contempt ofthe court ll; in which the action is pending. ‘~._./ Page 3 of3 Superior—Sl (revised December 20 l4) 9/5/201 8 9:1 5 AM STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS SUPERIOR COURT Plaintiff/Petitioner Civil Action File Number NO. 2015-6 , UPLC , , Unauthorized Practice of Law Committee Defendant/Petitioner William E. Paplauskas, Jr. PROOF OF SERVICE fig} hereby certify that on the date below I served a c0py of this Subpoena on 5§£fi7 FDR SEMfi-é. fl 7" fla RP personally. ’ Z<fiyw 37" Sfl’le'L/EM QTIQEP D Ihereby certify that I was unable to make service after the following reasonable attempts: SERVICE DATE: Z / ZB/ /§ SERVICE FEE$ Month Day Year Signature 0f SEEKEFF or DEPUTY SHERIFF or CW K ?@WZIM/é/fl ' 225’ SIGNATURE OF PERSON OTHER THAN A SHERIFF or DEPUTY SPERIFF or CONSTABLE MUST BE NOTARIZED. Signature State 0f County of ' On this day of , 20 , before me, the undersigned notary public, personally appeared D personally known to the notary or D proved t0 the notary Through satisfactory evidence of identification, Which was J to be the person Who signed above in my presence, and Who swore 01‘ affirmed to the notary that the contents of the document are truthful to the best of his 01' her knowledge. Notary Public: My commission expires: Notary identification number: I.Vfl/l Superior-Sl (revised December 20 14) 9/5/201 8 9:1 5 AM Unauthorized Pljactice of Law Committee V. William E. Paplausks, Jr. UPLC No 2015-6 Exhibit t0 Subpoena \ By this subpoena the Unauthorized Practice of Law Committee (“Committee”) requests that JPMorgan Chase Bank, NA. produce and permit inspection and copying of any and all documents (“closing documents”) pertaining t0 and/or executed during the sale ofreal estate located at 528 Nanaquaket Road, Tiverton, Rhoda Island t0 Vincent and Rebecca Maj ewski (Loan Number 1463 13 1910) on 0r about July 21, 2015. Such documents, if in possession of . JPMorgan Chase Bank, N.A., shall include any and all mortgage documents, financial loans documents, HUD—l Settlement Statements, title insurance policies and docmnents, and any other documents signed and executed by Vincent and Rebecca Majewski during the closing of said property on July 21, 2015. The Committee acknowledges and requests that, pursuant to federal and state laws, JPMorgan Chase Bank, NA. may be required to produce redacted copies 0f the subpoenaed do cuments Which have been redacted to remove certain nonpublic personal information, including but not limited to Social Security numbers; Driver's license nLunber or Rhode Island Identification Card number; Account number, credit or debit card number, in combination With any required security code, access code, or password that would pennit access to an individual‘s financial account. The Committee requests that redacted copies of the subpoenaed documents be delivered by mail t0 the “Unauthorized Practice of Law Committee, Rhode Island Supreme Court Clerk’s Ofioe, 250 Benefit Street, Providence, Rhode Island 02903” by the close of business on May 25, 201 6. 9/5/201 8 9:1 5 AM ‘ STATE OF RHODE ISLAND AND ‘__ r 0 “”5: PROVIDENCE PLANTATIONS Supreme Court Licht Judicial Complex . . . 250 Benefit Street Unauthorized Practzce ofLaw Commzttee Providence, RI 02903 Apfil 28, 201 6 Hand-Delivered Rhode Island Division of Sheljffs c/o Pamela Dosreis Civil Division 670 New London Avenue . Cranston, RI 02920 RE: Rhode Island Supreme Court Unauthorized Practice of Law Committee Request for Service of Subpoena. UPLC V. William E. Paplauskus, Jr. UPLC File No. 2015-6 Dear SiI/Madam: By this letter, the Unauthorized Practice of Law Committee (“Committee”) of the Rhoda Island Supreme Court requests that the Rhode Island Division of Sheriffs serve the enclosed subpoena on SelviceLink Management Company, LLC d/b/a “SelviceLink” through its agent CT Cmporation System, 450 Veterans Memofial Pakaay, East Providence, Rhode Island, 02914. The Committee requests that the subpoena be served as soon as possible and that Proof of Sewice be returned to “Unauthorized Practice of Law Committee, c/o Rhode Island Supreme Court ” Clerk 250 Benefit Stteet, P1ovidence, RI 02903. A self—addlessed stamped envelope ls enclosed to facilitate Retmzu of Service. According to our conversation, the' forty five ($45) dollar subpoena service fee has been waived on account of this Committee’s status as a state entity. If any additional information is required in order to effectuate the requested se1vice, please contact me immediately via telephone ((40 1) 222—8644). Very tmly yours, / /- 'SI‘homas M. Be1geron, Esq. StaftIA/Xftofllcy Enclosures cc: Unauthoflzed Practice of Law Committee Members L. E ~ é i 9/5/201 8 9:1 5 AM . STATE OF RHODE ISLAND AND SUPERIOR COURT SUBPOENA — CIVIL Plaintiff/Petifioner Civil Action File Number Unauthorized Practice of Law Committee UPLC N0. 2015-6 Defendant/Respondent William E. Paplauskas, Jr. U Murray Judicial Complex D Noel Judicial Complex Newport County Kent County 45 Washington Square 222 Quaker Lane Newport, Rhode Island 02840—2913 Warwick, Rhode Island 02886—0107 *(401) 841—8330 *(401) 822-6900 D McGrath Judicial Complex Licht Judicial Complex Washington County Providence/Bristol County 4800 Tower Hill Road 250 Benefit Street Wakefield, Rhode Island 02879—2239 Providence, Rhode Island 02903—2719 Q *(401) 782-4121 *(401) 222—3230 TO: ServiceLink Management Company, LLC doing business as "ServiceLink" through its agent 0' - ratio S s 4 Vet ns Me ar wa E Pr videnoe o s and 02914. D YOU ARE I-EREBY COMMANDED to appear in the Superior Court listed above at the date, time, and courtroom specified below to testify in the above-entitled case and bring With you: Courtroom Date Time If you need language assistance, please contact the Office of Court Interpreters at (401) 222— Limit 871 0 01‘ by email at [email protected]_o_v_ before your coufi appearance. * If an accommodation for a disability is necessary, please contact the Superior Court Clerk’s Office at the telephone number listed above as soon as possible. TTY users can contact the Superior Court through Rhode Island Relay at 7—1—1 or 1~800—745—5555 (TTY) to voice number. Page 1 of 3 ‘31?fo Superior-S 1 (revised December 2014) 3%) 3 2%,: .’ _ 9/?2018 9:15AM STATE OF RHODE ISLAND AND SUPERIOR COURT D YOU ARE HEREBY COMN[ANDED to appear at the location, date, and time specified below t0 testify at the taking 0f a deposition in the above-entitled case. Location 0f Deposition Date Time YOU ARE HEREBY COMlVIANDED to produce and permit inspection and copying of the following documents 01‘ objects at location, date, and time specified below (list documents or objects): Any and all documents pertaining to Loan Number 1463131910 as further described in the "Exhibit to Subpoena" attached hereto. Location Date Time 250 Benefit St., Providence, RI 02903 by May 25, 2016 via mail Any organization not a party to this suit that is subpoenaed for the taking of a deposition shall designate one or more officers, directors, or managing agents, or other persons who consent » to testify on its behalf and may set f01th, for each person designated, the matters on which the person \zill testify. (Rule/.30Cb)(6) of the Superior Court Rule of Civil Procedure). A 4 Rhode Island Bar Number: /S/ Attorney for the El PlaintifflPetitioner D Defendant/Respondent l 1 - - - - Date: 0r fiPlamtlff/Petltloner U Defendant/Respondent A / 9 ?la771,; I Telephone Number: I Issued by D Clerk, fiNotary, or D Issuing Official pursuant Date: to G.L. 1956 § 9-17—3 %-a?7-p?J/é . ._.__ _.___._.. m #S/L. -.-. ..__. _.____...,______. Clerk 724/44; 1W: 54m ara/L Nam'e ofNotary Signature of Notarym 7 Notary commission expires: ”’93’30Mi? Notary identification number: ?stflo I Name ofIssuing Official Signature of Issuing Official ‘ ~ J Page 2 0f 3 Superior—Sl (revised December 20 14) STATE OF RHODE ISLAND AND 721-052} PROVDDENCE PLANTATIONS SUPERIOR COURT The following information is being provided pursuant to Rule 45(0), (d), and (e) of the Superior Court Rules of Civil Procedure. (c) Protection ofPersons Subject to Subpoenas. (1) A party 01' an attorney responsible for the issuance and sewice of a subpoena shall take reasonable steps to avoid imposing undue burden or expense 0n a person subject to that subpoena. The court on behalf of which the subpoena was issued shall enforce this duty and impose upon the party or attorney in breach of this duty an appropriate sanction, which may include, but is not limited to, lost earnings and a reasonable attorney's fee. (2) (A) A person commanded to produce and permit inspection and copying of designated books, papers, documents, or tangible things or inspection of premises need not appear in person at the place of production or inspecfion unless commanded to appear for deposition, hearing, or trial. (B) Subject to paragraph (d)(2) ofthis rule, a person commanded to produce and permit inspection and copying may, within fourteen (14) days afier service offhe subpoena or before the time specified for compliance if such time is less than foulteen (14) days afier service, serve upon the self—represented litigant or attorney designated in the subpoena written objection t0 inspection or copying of any or all of the designated materials or ofthe premises. If objection is made, the party sewing the subpoena shall not be entitled to inspect and copy the materials or inspect the premises except pursuant t0 an order ofthe court by which the subpoena was issued. Ifobjection has been made, the party serving the subpoena may, upon notice to the person'commanded to produce, move at any time for an order to compel the production. Such an order to compel production shall protect any person who is not a patty or an officer of a party fiom significant expense resulting fiom the inspection and copying commanded. (i) Fails to allow reasonable time for compliance; (ii) Requires disclosure ofprivileged or other protected matter and no exception or waiver applies; or (iii) Subjects a person to undue burden. (B) Lfa subpoena (i) requires disclosure of a trade secret or other confidential research, development, or commercial information, or (ii) requires disclosure of an unretained expert's opinion or information not describing specific events or occurrences in dispute and resulting fiom the expert's study made not at the request of any patty, the court may, to protect a person subject to or affected by the subpoena, quash or modify the subpoena 01', ifthe party in whose behalf the subpoena is issued shows a substantial need for the testimony or material that cannot be otherwise met without undue hardship and assures that the person to whom the subpoena is addressed will be reasonably compensated, the court may order appearance or production only upon specified conditions. (d) Duties in Responding to Subpoena. (1) A person responding to a subpoena to produce documents shall produce them as they are kept in the usual course of business or shall organize and label them to correspond with the categories in the demand. (2) When information subject to a subpoena is withheld on a claim that it is privileged or subject to protection as trial preparation materials, the claim shall be made expressly and shall be supported by a description of the nature of the documents, communications, or things not produced that is sufiicient to enable the demanding party to contest the claim. (c) Contempt. Failure by any person without adequate excuse to obey a subpoena sewed upon that person may be deemed a contempt of the court in which the action is pending. Page 3 0f3 Superior—S 1 (revised December 20 14) 9/5/201 8 9:1 5 AM Unauthorized Practice of Law Committee V William E. Paplausks, Jr. UPLC N0 2015—6 Exhibit t0 Subpoena By this subpoena the Unauthorized Practice of Law Committee (“Committee”) requests that ServiceLz'nk Management Company, LLC d/b/a “ServiceLink” produce and permit inspection and copying 0f any and all documents (“closing documents”) pertaining to and/or executed during the sale of real estate located at 528 Nanaqualcet Road, Tiverton, Rhode Island to Vincent and Rebecca Majewski (Loan Number 1463 131910) on 0r about July 21, 2015. Such documents, if in possession of ServiceLink Management Company, LLC d/b/a “ServiceLink”, shall include any and all mortgage documents, financial loans documents, HUD—l Settlement Statements, title insurance policies and documents, and any other documents signed and executed by Vincent and Rebecoa Maj ewski during the closing of said properw on July 21, 201 5. The Committee acknowledges and requests that, pursuant to federal and state laws, ServiceLz'nk Management Company, LLC M/a “ServiceLz'nk” may be required to‘produce redacted copies 0f the subpoenaed documents Which have been redacted to remove certain nonpublic personal infonnation, including but not limited to Social Security numbers; Driver's license number 01‘ Rhode Island Identification Card number; Account number, credit 0r debit card number, in combination With any required security code, access code, 01' password that would permit access to an individual's financial account. The Committee requests that redacted copies of the subpoenaed documents be delivered by mail to the “Unauthorized Practice of Law Committee, Rhode Island Supreme Court Clerk’s Office, 250 Benefit Street, Providence, Rhode Island 02903” by the close of business on May 25, 2016. 9/5/201 8 921'5' KM .‘ STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS SUPERIOR COURT Plaintiff/Petitioner Civil Action File Number UPLC N0. 2015—6 Unauthorized Practice of Law Committee Defendant/Petitioner William E. Paplauskas, Jr. PROOF OF SERVICE . MI hereby celtify that on the date below I sewed a co y of this Subpoena on fléWFo/e sgeymg 5r 150/63 personally. Kfiwfl 5r saecM/azg cf emeP X50. D Ihereby cefiify that I was unable to make service after the following reasonable attempts: SERVICE DATE; 2 /2_9_/ /é SERVICE FEB$ Month Day Yea1 Signa’uhe of S‘I'Efifi? 01 DEPUTY SHERIFF 01 CGNS‘IKBEE flflflwabb‘z‘s/ ‘ SIGNATURE OF PERSON OTHER THAN A SEERIFF 01 DEPUTY SHERIFF 01 CONSTABLE MUST BE NOTARIZED. Signature State of County of On this of ~ 20 before the day , , me, undersigned notary public, personally appeared D personally known to the notary or D proved to thehotary through satisfactory evidence of identification, which was , to be the person Who signed above in my presence, and who swore 01' affirmed t0 the notary that the contents of the document are tmthful to the best of his 01‘ her knowledge. Notary Public: My commission expires: Notary identification number: Superior—Sl (revised December 20 14) 7 9/5/2018 9:17AM ‘7‘ JPMorganChase 11mg Q National Subpoena Processing Mail Code 1N1-4054 Angel ‘ Hamue ~ 7610 West Washington Street 757-7368 Telephone: (317) d_ 1, In “map" ‘5’ Indjam 46231 ‘ Facsimile: (317) 757-7421 .. ~.-s c) < 3 m 6/23/2016 é $50 2 z: m N 35m 1 Thomas M. Bergeron, Esq. N mrl; Unauthon'zed Practice Of Law Committee .0 5—30 3: Rhode Island Supreme Com Clerk‘s Office (:48 250 Benefit Street z,— mi”; Providence, Rhoda Island 02903 (<3 RE: Case Name: Unauthorized Practice 0f Law Committee vs. William E. Paplauskas, Jr. Case No.: 2015-6 JPMorgan Chase File No.: SB733211-F1 Dear Thomas M. Bergeron, Esq. : In response to your request, we have enclosed copies of account records regarding the above-referenced matter served upon JPMorgan Chase Bank, N.A. . See attached inventory listing for details. If-you have any questions, please call me at 317) 57—7368. Enclosure I . I | i i I | I | x I n I | x. ' ' 9/5/2018 9:17AM INVENTORY LISTING CHASE FILE N0.: SB733211-F1 Customer Name: Vincent and Rebecca Majewski Account No.: 00000000001463131910 Request Type: Notarized Mortgage Documents from On'gination Unable to locate addiu'onal records responsive to the subpoena and/or request with the information provided. Copies of items $1 .00 or less have not been provided <1... P2 9/5/201 8 9:1 7 AM AFFIDAVIT Case N0. : 2015-6 Angel Harville , certifies and declares as follows: l. I am over the age of 18 years and not a party to this action. 2. My business address is 7610 West Washington Street, Indianapolis, Indiana 46231. 3. I am a custodian of records for J?Morgan Chase Bank, N.A. in the National Subpoena Processing Department located in Indianapolis, Indiana. 4. Based on my knowledge of JPMorgan Chase Bank, N.A. ’s business records practices and procedures, the enclosed records are a true and correct copy of the on'ginal documents kept by JPMorgan Chase Bank, N.A. in the ordinary course of business. 5. Based on my knowledge of JPMorgan Chase Bank, N.A. 's business records practices and procedures, the records were made at or near the time of the occurrence of the matters set forth in the records by, 0r from infonnation transmitted by, a person With Imowledge 0f those matters. 6. It is the regular practice of JPMorgan Chase Bank, N.A. to make such a record of transactions in the ordinary course of business. I declare under penalty of perjury, under the laws of the State of Indiana, that the foregoing is true and correct. ,- I ’ Dated: é Not ubh'c OFFICIAL SEAL SARA M. PITTAK NOTARY PUBLIC- INDIANA 324/1012, JOHNSON COUNTY X My Comm Expires 03-24-2022 Commission Expires SD_Sw0mDocumemExecution_000061870131 SB73321 l-Fl P3 ”i 9/5/2613 9:17AM Apr.26. 2016 4:23PM No.2064 P. 1/7 RHODE ISLAND SUPREME COURT 250 Benefit Street Providence, Rhoda Island 02903 Phone: (401') 2223266 Fax: (401) 222-4224 FAX FROM‘ vmnmg M. Egrggmmy flag Affirm UflavHMnch ?mdna mi LCM CoMA/LhL £6 TO: ~ CzJHn-J‘ jP 0p 4V1 Chalk- BCW‘k! N‘A'~I NQ+WMLLSQb 0&ch proanémzo J- nannpoh‘s/ H 9&3 l 3107 10 ulna!“ wastunghm 3%! a FAXNUMBER: (3 J?) ?S‘HHaa DATE: 17/ COVER SHEET) 13(0— ow l (y PAGESQV c(yl‘limLUDING REI z 80136)“an re: Lama N0 WQBBMW/ [D URGENT. Em FORREVIEW DFORREPLY DATYOURREQUEST transmittal .4x) This is a confidential message intended solely for the pctSOn to whom it is addressed. Ifyou receive this fax 1'9 in error, please be advised that any use, distribution, copying, reliance on or disScminatiOn of the attached documents suicdy prohibited Kindly contact us at the above telephone number to mange foi- immcdjatc rctticval of the documents. P4 ’ 9/572018 9:17 AM Apr.26. 2016 4:23PM . No.2064 P. 2/7 STATE OP RHODE ISLAND AND W“ PROVIDENCE PLANTATIONS Licht Judicial Supreme Court Complex : . . . 250 Benefit Street Urzauthonzerfl’ractzce ofLaw Committee . 02903 . Providence: RI April 26, 201 6 Viz: Fax ((3172 757-74222 ' National Subpocna Processing Center i JPMorgan Chase Bank, NA. 7610 West Washington Street Indianapolis, Indiana 46231 RE: Rhoda Island Supreme Court Unauthorized Practice of Law Committee Request for Service 0f Subpoena. UPLC v. William E. Paplauskus, Jr. 'UI’LC File No. 2015-6 Loan No. 1463131910 Dem- Sir/Madam: Enclosed Phase find a copy of a subpoena which has been transmitted £téni the ! Unauflmtizcd Practice ofLaW Conmlittcc (“Comrrfittea”) of the Rhoda Island Supreme Contt to the - Rhoda Island Division of Shefiffs for service on JPMorgan Chase Bank, NA. through im agant CT COLPOIafion System, 450 Vetel‘ans Mahloflal Pakaay, East Previdence, Rhoda Island, 02914. If any additioml-information 'm needed in oxdex [o process the subpoena, Please contact me inlmediately Via telephone ((401) 222-8644). Véxy truly yours, Thomas M. Bcrgm-on, Esq. Staff Attorney ' Enclosurcs ~ . . cc: Unauthorized Practice ofLaW Committee Members I 1 P5l 9/5/2018 9:17 AM Apr.26. 2016 4:23PM No.2064 P. 3/7 I . STATE 0F RHODB ISLAND AND .Imirc é‘téfi'm x_Ih-iugflmm PROVIDENCE PLANTATIONS -p a, Q SUPERIOR COURT SUBPOENA - CIVIL Plamtiff/I’etitioner Civil Action File Numb er Unauthorized Practice of Law Committee upLC No_ 2015-6 Defendant/Respondent William E. Paplauskas, Jr. FD Murray Judicial Camplcx U Noel Judicial Complex NeWpoz’c County . Kent County 4S Washington Square 222 Quaker Lane NeWpofi, Rhoda Island 02840-2913 Waxwiok, Rhoda Island 0288643107 *(401fl11—8330 *(401) 8226900 U McGrth Judicial Camplcx Licht Judicial Complex WashingtOn County Providcnce/Blistol County ' ' 4800 Tower Hill Road 250 Benefit Street . Wakefield,Rhode Island 028794239 Providence, Rhoda Island 02903 2719 .,-' *(401) 7824121 *(401) 222 3230 g TO: JPMoI’gan Chase Bank, N.A. through its agent CT Corporation System, 450 Veterans OfMfimoflaLEaleEast Pjavidense. Rhode Isiand 02914. U YOU ARE HEREBY COMMANDED to appear in the Superior Court listed above at the date, time, and courtroom specified bclow to testify in the abovcrentitled case and bring With you: Courtroom Date Time If you need language assistance, please contact the Office of Court Interpreters at (401)-222— 8710 or by email at [email protected] bcforc your court appearance. 3" If an accommodatiOn for a disability is necessaly, please centact the Superior Court Clerk’s Office at the telephone Immbcr listed abOVe as soon as possible. TTY users can contact the Superior Court through Rhoda Island Relay at 7~1—1 or 1—800‘745-5555 (TTY) to voice number. Va» .f UX Page l 0f 3 SuperimLSI (revised December 20 14) 9/5/20189:17AM Apr. 26. 2016 4:23PM No.2064 P. 4/7 STATE OF RHODB ISLAND AND SUPERIOR COURT U YOU ARE HEREBY COMMANDED to appear at the location, date, and time specified below to testify at the taking of a depositimn in The abovc-cntifled easel ‘ Location of Deposition Date Time . E YOU ARE HEREBY COMMANDED to produce and permit inspection. and copying of the following documents or objects at location, date, and time specified below (list documents 0r objects): Any and all documents pertaining to Loan Number 1463131910 as further described in the "Exhibit to Subpoena" attached hereto.- Location Date Tune 250 Benefit St, Providence, RI 02903 by May 25, 2016 Via ma” Any Olganization not a paIty to' This suit that ls subpoenaed 1‘01- the taking of a deposition shall designate one 01 mole officem directors, 01- managing agents, or ot|1e1 persons who consent 1:0 testify:11 113 behatf and may set forth, for each 11619011 designated, the 1111111613 on Which The pe1SOn €1111 testify. (Rule 3093(6) of the 8111361101 (301111. Rule of Civil Proceduw). odcl's a 11 1s/ ' or the [I PI' ,' WELL,Defe11da111'fIxeSpondc11t A o 116 6111101161: D 01%APlaintiff/Petitioner D 'Defendant/Rcspondent Telephone Number: ~ Issmed by fl Clerk, fl Notary, 01‘ CI Issuing Official pursuant to GL. 1956 § 9—17—3 /s/ Clerk flms Ml Eermwm Name ofNotary Notaury Signature of . Notary commission expires: ””196” 0W7 ' Notary identifi cation numbm': 1 0 1 Name 0f Issuing Official Signamrc of Issuing Official Page 2 of 3 Sup en‘o125 1 (revised Deccmbcr 20 14) P7 ”W * fl" rirrrriwiriiwiirii 9/5/20189:17AM - Apr.26. 2016 4:23PM No.2064 P. 5/7 . STATE OF RHODE ISLAND AND SUPERIOR COURT The following information is being provided pursuant to Rule 450:), (d), and (e) 0f the Superior Court Rules of Civil Procedure. (c) Protection ofPersons Sxihjcct to Subpoenas. ing 01' (l) A pm-ty or an attomey responsible fur the Issuance and selvice of a subpoena shall take reasonable steps t0 avoid 1111px) Undue burden expense on a pelsml subject to that subpoena. 'Iho court on behalf of which tho subpoena W03 issued 311811 anOICE this duty 8nd 113013059: upon the party or aflomey in breach of this duty an appropriato sanction, which may inelude, but i3 not limited to, lost earnings 21nd a reasonable attomcy's foe. (2) (A) A person commanded m produce and permit inspecu'on and copying of designattd books, papers, documents, 01' Tangible Things or inspection ofpremises need not appear in person at the place ofproduction or inspection unless Gownmndcd t0 appear fOI GCPDSMOD, hearing, or trial. (B) Subject to paragraph (d)(2) ofthis rule, a person commanded to produce and permit inspection and copying may, within fourtccn (14) days me: service ofthe subpoena or before the time specified for compliance ifsuch time 1's loss than fourteen (l4) days aficr sexvice, serve Upon the selflmpresented litigant or attorney designated in fllc subpoena writtcn objection to inepnct‘wn or ccpying of any 0r 1111 ' of the designated materials 01' ofthc prcmiscs. If objection is made, tho palty Sowing the subpoena shall not be enfiflfui t0 inSPECt and copy the materials or inspect tho promises except pumuant to an oxdex of Ihe court by which the subpoena W85 iSSIIEd IfObJ'CCHOR has bccn made, the party sewing [he subpoena may, npcm notice to the person commzmded to produce, move at any time for an 01‘ch to compo] tho pmduction. Such an 0rder Io compel productirm shall protect any pemon who is'not a party or an officcr of a pant)! from significant expense resulting from the inapection and copying commanded. On motion, the court which a subpoena was issued shall quash the subpoana if it: . (3) (A) timely by ormodify (i) Pails to allow rcasunablc time for conlpliancea (ii) Rflquires disclosure ofprivfleged or other protected maner and no exception or waiver applies; or I (iii) Subjects a pemon to undue burden. (B) Ifa subpoena or' . (i) . requires disclosure ofa trade secret or other confidential research, development, or commercial informs firm, (ii) mquims disclosure of 2m unrotaincd expert's opinion or information not desoribing SPBCific events 0r occuuences in di3pnfe and Iesulu‘ng from the expert‘s study made not at tho rcqucst ofany party, the, court may, to protect apmson subject to or affected by the subpoena, quash or modify the subpoena or, ifThc patty inwhOSe. behalf the subpoena is issued shows a substantial need forthe testimony or material that cannot b0 othorwisc met without undue hardShip 21nd nssmes 111m the person to whom the subpocna is addressed will bc reasonably COmDEnsaTecL the court may order appearance 0r production only upon specified condifions. ((1) Duties in Responding to Subpoena. (1) A person responding to a subpoena to produce docwncnts shall produCc them as they are kept in the usual 00111216 0f bushms or shall organize and labs] them to cormspoud with the categories in the dammtd. (2) When information subjectto a subpoenais withheld on a claim that it is privileged 02' subject to protcction as trial preparation materials, the claim shall be made oxpmssly and shall be supportnd by a description 0f tho nature of The documents, communications, or things not I produced thatis sufficient to cnablp the demanding party t0 comest the claim (c) Contempt. Fatima by any person without adequate excuse to obey a subpoena served upon that person may be deemed a cOntcmpt OfIhe C0111 t ’. m which the action is pending. ' J Page 3 of3 E Superior—Sl (revised December 2014) 9/5/2018 9:17 AM ‘ Apr.26. 2016 4:24PM No.2064 P. 6/7 3 .t‘ .- STATE OF RHODB ISLAND AND Jumu-éém‘p.v .r$)£JII-.-:'-r PROVIDENCE PLANTATIONS ,9 \7? SUPERIOR COURT Plaintiff/Petifioner Civil Action File Number F- UPLC N0 . 201 O 6 UnauthoriZed Practice of Law Committee Defendant/Petifioner William E. Paplauskas, Jr. PROOF OF SERVICE U Ihcrcby certify that on the date below I served a ccpy of this Subpoena on personally. D Ihereby certify that I was unable to make service after the following reasonable attempts: SERVICE DATE: / / SERVICE FEE $ Month Day Yaar Signature 0f SHERJFF or DEPUTY SHERIFF or CONSTABLE SIGNATURE OF PERSON OTHER THAN A SHERIFF or DEPUTY SHERJFF 0r CONSTABLE MUST BE NOTARIZED. Signature State of County of ' Onihis day of , 20 , before me, The undersigned notary public, persomlly appeared El personally known to the notaly OJ: D proved to The notary through satisfactory evidence of identification, which was J to be the person Who signed above in my pregame, and who swam 0r affirmed to the notary that the contents of this document are truthful to the best of his or her knowledge. Notary Public: My commission eXpires: Notary identification numb er: Superior—S 1 (revised December 2014) P9|.' 9/5/2018 9:17 AM P. 7/7 Apr. 26. 2016 4:24PM No.2064 Unauthorized Pracfice 0f Law Committee V William B. Paplausks, Jr. UPLC No 2015—6 Exhibit t0 Subpoena \ By this subpoena. the Unauthorized Practice of Law Committee (“Connnittee”) requests that JPMorgan Chase Bank, NA. produce and permit inspecfion and Copying of any and all documents (“closing documents.”) pertaining to and/or executed dun'ng the sale ofrcal astate lobated at 528 Namiquakct Road, Tiveflom Rhode Island to Vinccnt and Rebecca Maj ewski (Loan Number 1463131910) on 01‘ about July 21, 2015. Such documents, ifin possession of JPMorgan Chase Bank, NA, shall include any and all mortgage documents, financial 103113 documents, HUD-l Settlement Statements, title insurance policies and documents, and any other documents signed and executed by Vincent and Rcbccca Majewski during the closing of said property on July 21, 2015. The Committee acknowledges and requests that pursuant t0 federal 311d state laws, JPMorgan Chase Bank, NA. may be required to produce redacted copies of The subpoenaed do cumcnts Which have been redacted to remove certain nonpublic personal infommtim], including but not limited to Social Security numbers; Driver's license number 01' Rhoda Island Identification Card 11111311361“; Account number, credit 01‘ debit card nmuber, 1'11 combination With any required security code, access code, or password that would pennit access to an individual? financial account. Thc Committee requests That redacted copies ofthe subpoenaad documonts’ be deIiVeIed by mail to the ‘WJnamhorizcd Practice ofLaw Committee, R11on Island Supreme Court Clerk’s Office, 250 Benefit Street, Providence, Rhoda Island 02903” by the close of business on May 25, 201 6. PH; fl 7 7 fl , u 9/50.0 1 8 9 . l 7 AM _ . _ ...... _ “ . . . _ , P11, 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSK! and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKI~POOLER ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 AH terms of the safes agreement have been met 0r waived t0 the satisfaction of the Buyer and Seller for the above- ‘ menfioned property. . Tax, assessment, and bond prorations shat! be based on the last known bm or upon the tax assessor’s latest valuation and the ourrenttax or assessment rate. and shall be prorated at the time of cfosing. If It l5 common practice andior local custom to have no pretations at the closing, there shat! be no prorations. There will be no reaproraflon or readjustment of taxes based on actual statements afier the date of closing. The seller represents that It has no knowledge. actual 0r constructive, as whether or not a homestead exemption applies to the property. This paragraph Shel! supersede and ovem'de any otherclauses orstatements in this agreement thaf concern faX9S. assessments or bonds. . // if“; 7M5 ' VINCENT MAJEWSKI Date EARL POOLER Date ~ 5" 47/” 7W l I . REBfiCCA MAJEWSKJ ' Date NINA SZULEwsm-POQLER Date THIS Difi DAY 0%. 2(3le \fmccQT m Acthfl Aw ~ . R4365“? magma 0M5 MY COMMISSION E RES: q )9{;—>Cft V \UaHAAM‘E—w N‘wkkmg . . . . A_rx. .‘ ,m‘ . M WILUAM E. PAPLAUSKAS JR. Notary Pubfic state of- Rhode’ Island Noiary {D a? 52085 Ex fines Scp B 2015 WW ngvwzzmwgymzwv—tmisslnn P12. 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI SELLER' EARL POOLER and NINA SZULEWSKl—POOLER ADDRESS: 528 NANAQUAKEI' RD TNERTON RI 02878 All terms of the sales agreement have been met or waived to the satisfaction of the Buyer and Seller for the above- mentionad property. Tax, assessment. and bond prorations shall be based on the last known bill or upon the tax assessofis latest Valuation and the current tax or assessment rate, and shall be prorated at the flme of closing. If [t ls common practice auler local custom to have no prorations at the closing, there shall b9 no proratlons. There will be no re-proration or readjustment 0f taxes based on actual statements after the data of closing. The seller represents that it has no knowledge, actual or consh'uctive, as whether or not a homestead exemption applies to the property‘ This paragraph sha/I Supersede and override any other o/auses or statements in this agreement that concern taxes, assessments or bonds. 7M: 6324., ' zffl 74m- k Date VINCENT MAJEWSKI Date EARL POOLER l" 47W ?Bi/w‘ WM Wé m REB/ECUA MAJEWSKI Date NINA SZULEwfikl—POOLER Date [OR DAY01W 20. S S. AN SU 50 IB THISJfiH39 \)\r‘\c©»-If m kdm'iskfx NMARYPUBW%C{]§ PAOm-CGW mmewg‘dEEOA/ MYCOMMISSION Rzes {2&7 K 'k'kmg A \VAHAAME' I ' .. ... M WILLIAM E. PAPLAUSKAS JR. Notary Public Stale of Rhoda Island Notary ID t$ 52085 My Commifislon Expires Sep 8. .2015 I w 9/5/201 8 9:1 7 AM NA. LENDER IPMorgan Chaso Bank. LOAN#: I453 1 3 1 91 0 RD, TWERTQN, R1 02873 PROPBRW ADDRESS: 528 NANAQUAKET S‘GNATURE CERTIFICATION/AFFIDAVIT AND FOLLOWS.THIS IS MY TRUE MAJBWSKL DO SIGN MY NAME AS CERTIFY THAT I, VINCENT l HEREBY n . m- TB S IGNAT'URE: WILLIAMWWWE. PAPLAUSKAS JR. .é. Natary Public 5 Stats of Hhada {stand UWVVH Hoisry ID # 52085 BORRO R M_ymmlsainn Expire 8. 2015 "F‘— asap .11» I State offikg JV WW County of )H NM trash}... ay “p95; Swom and Sxxbscrib guy {Scal} .\ x ' My Commission Expix' BORRO‘NBR ON THE ABOVE CAPTIONED REVIEWED THE. SIGNATURE OUR FILE AS CERTIFY THAT 1 HAVE DOCUMENTS WITHIN THIS TS T0 SIGNED HISWR NAME ON ALL AND HE/SHE HAS CONSISTENTLY HE/SHE DID ON THE NOTE. ’1 izlc Lander Representative ...... NAME AFFIDAVIT known as) is required. Complete if AKA (also THAT: 5w .941 THIS Is To CERTIFY m4, m [£5 M” a ) THIS ARE ONE AND THE SAME PERSON. 'giacctfl" {3 M‘m‘imsk‘ OBTAIN A FIRST TWORTGAGE a CONNECTION WTTH DOCWENTS TO N AFFDAVIT IS COMPLETE LOAN ON THE SUBJECT PROPERTY. namc Appears. Pleas Si each “my v r 31pm. Bomowm: M4064; g. flfihgwud BORRO’WER: State of kg N‘ County of Sworn and Subscrfl (Seal) WILLIAM E. PAY-‘LAUSKAS JR. Notary Puhtic State o? Rhoda island Notary m # 52085 My wCammisslonWWExpires Sep B, 2015 145151310 ?agai 0‘ ‘ fiE/NAME AFFIDAvn' Warm a 910:9 1213:) c—7uo (12m; ("yum ova” 9M 2016072014102644420140925 WWI“Mu“!l“WW{lmfimmll\\\“l\\ll\\mW“\\\\\|l\\\\\\l\\\\\\\\\ NIWW! l“ P14; 9/5/201 8 9:1 7 AM LENDER: JPMOrgan Chase Bank, NA. LOAN#: [46313 1910 PROPERTY ADDRESS: 528 NANAQUAICET RD. 'I‘WERTON, R1 02878 SIGNATURE CERTIFICATION/AFFIDAVI’P IHEREBY CERTIFY THAT I. REBBCCA MAJEWSKI , DO SIGN W NAME AS FOLLOWS. THIS IS MY TRUE AND ACCURATE SIGNATURE: z.___.-t\ , a'xb a WILLIAM E. PAPLAUSKASwJR. Notary Public 72w State of Rhone Island B R Notary ID +3! 52085 My Commission siiofwiik Expires Sap 8. 2015 ~C¢unty of (Seal) E ~ My Commission Exgn'ca: W"— THIS IS T0 CERTIFY THAT I HAVE REVIEWED T‘1E SIGNATURE ON THE ABOVE CAPTIONED BORROWER AND HEJSHE HAS CONSISTENTLY SIGNED HIS/HBR NAME ON ALL DOCUMENTS “IITHIN OUR, FILE AS HE/SHB DID ON THE NOTE ' Lendcr Representative ’h‘tle NAME AFFIDAVIT Complete ifAKA (also known as) is required. THISIS To CERTIFYTHAT: R3535“ Mpmki Rebeca» L I Krajavio . , S 13$ s: thaamt L. M‘LHM ARE 0N1; AND THE SAME PERSON. 'mrs NAME AFFIDAVIT Is COMPLETED IN CONNECTION WITH DOCUMENTS To OBTAIN A FIRST MORTGAGE LOAN 0N THE SUBJECT PROPERTY. . PWM}! name appmts. BO‘ WER: Rebeca (Majéwyzr t Boringw'fm Kama L/Crm w; ‘ 4/7744 V ‘ _ mg‘i’ER: Rum 1—“ ”(HEWIZL: State of c f S;::yn:d J“ Sub 1:2,!‘313 I of UM} ?¢t (Seal) TM AM“ ' WILLIAM E. PAPLAmn. Notary Public State of Rhoda Island fiofairy ID i‘; 52085 My C0mm ’ . ss on Ex w , rm pirgs Sep i301? 14831$lm0 EWTURE/NANE nFFID/«Vl‘r 07039 (12/57) (lipb’nul D7015 1/37 8. 617065 12155] EIEWMdLafl-‘b‘miwbfiv F99: 1 0H Ill llll l ll“ml!!!"WNWWWWW"WWW"!WWI“"lulll[WIN P15? 9/5/201 8 9:1 7 AM INFORMATION REDACTED IS CONFIDENTIAL Bg'rmefls) Identifigtign samment I Wifliam E. Paglaus ~ s r the undersignec? Notary Public commissioned in and by the State of ){fl—g 3” Rhoda Island, on :‘fiIDJ made a visual. Inspection of the borrower(s) Federal and/or State b'e photo identification w Ich I 2 urther referenced below; The document appears to genuine and the photograph on the document appears to be that of‘ the Individual(s) named. It appears that the name on the identification document matches the name on the loan documents. It appears that each borrOWer looks like his/her photographic image and 'rt also appears that each signature matches the signature on the loan documents. This information and copy Was obtained at the request of the Lender, Mortgage Broker, Title Company and/or Signing Company and has been attached to this document. The borrower(s) Identification was presented and the information was recorded as follo‘vvs: Borroww/Owner [Signer (1) Name””7/15 (‘ MP E ma)murkkx Type of ID: Dn’Ver’s License —__Date of Birth: Issuing State and Agency: RIDMV Addms on ID matches Property Address: Yes Nay —\ Date Issued; 9‘ \ ‘Ma‘ W Expiration Date: 3 ”EWT 9 Address on ID does not match Property Address. Se addrem below: ‘1 \ ¥A‘fi": fl c— . m/Qr QM)” Q H Wigwfi mggfl Borrower/Owner/Signer (1) Signature: I k Km BormwerIOwner/Signeraj Name: QNM‘IR Majiwfla Type of ID: Driver's License #—__Date of Birth: —_ Issuing State and Agency. RIDMV Address on ID matchg Emgem; Address: Yes No4— h‘ Date Issued: q 1157M”? Expiration Date: (C3 [VIE]?! '3 Address on ID does not match Property Address. See address below: Genomes; ' W “ML 32m“ mar my m .x (Z 5‘9nature' /77A . AroW/i/Signer . / fi/ I / Nasazystaal Notary Public M f‘ x-rmw . WILLIAM E. PAPLAUS.(AS JR _ E William E Paplauskas 3r. Notary Public State u: Rhoda Island _.Ir;;t< N045!)- ID">9 52005 ./N/ My Commission Egprras oep 8 2015 aF'X/‘xb7'g— .o- E'W __/-'¢¢W'"‘-=-m é 9/5/2018 9:17 AM §ml “\fil 1? fill “ell: El! r‘-. x MORMATION REDACTED IS CONFIDENTIAL P17 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI _ SELLER: EARL POOLER and NINA SZULEWSKl-POOLER ADDRESS: 528 NANAQUAKET RD TlVERTON RI 02878 Alf terms of the sales agreement have been met or waived t0 the satisfaction of the Buyer and Seller for the above- manfioned property. . . Tax, assessment. and bond prorations shall be based on the last known but or upon the tax assessor’s latest valuation and the current tax or assessment rate! and shall be prorated at the time of cfosing. If It Is common practIce andlor local custom to have no prorations at the closing, there shall be no prorations. There will be no reaproration or readjustment oftaxes based on actual statements afier the date of closing. The seller represents that it has no knowledge, actual 0r construotive, as whether or not a homestead exemption applies to the property. Thia paragraph shall supersede and ovem'de any other clauses orst‘atements in this agreement that concern faXGS, assessments or bonds. //: PH- 7/5,»; VINCENT MAJEWSK! Date EARL POOLER Date ’ 5"“ 47/; 7WDI t ~ REB/ECCA MAJEWSKI Date NINA SZULEWSKl-POOLER Date ”ORS. AN SU SC IB THIS 25$ DAY 03W \fi ”\CCM‘T ACwISKE‘L m ; /NMARYPUBWc . Qegflem m mxfiwhk‘ 0M MYCOMMISSION RzEs QT9L2?) i “E" kmg‘m \VA‘ LIA h.__ NV” m_£&M/*_w'¥. WILLIAM E PAPLAUSKAS Jn. Notary Pubiic state oi Phoda’ Island >‘~‘ Nury if} 52085 OmMJEgn Ex mas Se B 2M5 m“?r .¢W P18; 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKI-POOLER ADDRESS: 528 NANAQUAKEI‘ RD TIVERTON RI 02878 All terms ofthe sales agreement have been met or wahied to the satisfaction of the Buyer and Seller for the above- mentioned property. Tax, assessment, and bond prorations shall be based on the last known bill or upon the tax assessofis latest valuation and the current tax or assessment rate, and shall be prorated at the flme of closing. If It ls common practice andIOr local custom to have no prorations at the closing, there shall De no proratlons. There will be no re-prorafion or readjustment 0f taxes based on actual statements aflar the date of closing. The seller represents that it has no knowledge, actual or constructive, as whether or not a homestead exemption appliesto the prOPerW This paragraph shalf supersede and ovenide any other Clauses or statements In (hi3 agreement that 001706"? faxes assessments or bonds. 7AM 7/// // fir“ ' 9324 ' VlNCENT MAJEWSKI Date EARL POOLER Date 47/” ?RI/Ir mu Wé xo REB/ECEA MAJEWSKI I Date WNINA SZULEngleOOLER Date // s'OR AN su so :5 DAYoggw ”WisQJ wig? \jw‘xcczq m Qawgtil NMARVPUBWC QEgC-Cem mm EWSBEon3/ MYCOMMISSIONE RESCHQ/{WM \Van‘AALHE' M‘kkg‘x- WlLLtAM E. PAPLAUSKAS JR. Notary Pubtic Slate u? Rhoda Island Notary ID 5’ 520885 My Cummiisloq Explras ep 8 201 a . . P19: 9/5/201 8 9:1 7 AM I LENDER: JPMorgan Chase Bank. NA. LOAN#: 1463131910 ~ RD, TKVER'I‘ON, R1 02378 PROPERTY ADDRESS: 528 NANAQUAKET SXGNATURE CERTIFICATION/AFFIDAVIT ' THYS IS MY TRUE AND NAME AS FOLLOWS. a VFNC'EINVF MMBWSKI. DO SIGN MY THAT I, ’ I HEREBY CERTIFY . V‘ 7”" ’I‘B SIGNATURE: ~ MJ‘W_ WILLIAM E. PAPLAUSKAS JR. Natary Public State of Rhoda Island ' Nomry ID # 52085 - BORROfiR "—— My Commission EXpIres Sap 8. 2015 State of 3N5 ‘1’ of County ‘ y“ NM ' thisA-Maygwy “fifil .a (Seal) 5‘ x My Cummission Expir z BORROWER ON THE ABOVE CAVI‘YONED REVIEWED THE SIGNATURE FILE AS CERTIFY THAT 1 HAVE DOCUMENTS WITHIN OUR THIS IS TO SIGNED HYS/HER NAME ON ALL HEISHE HA5 CONSISTENTLY AND x HE/SHE DID ON THE NOTE. Title Lender Representative NAME AFFIDAVIT required. ‘ a9) is Complete if AKA (also known THAT: 6w $361 THIS Is To CERTIFY {xfi’ m Mfl a % » \,_ THE SAME ?BRSON. 1mg k . ARE 0N1: AND Mk5 M g & r94“ E MGM To OBTAIN A HRST MORTGAGE j a Q6 CONNECTION WITH DOCUMENTS NA AFFDAVIT IS COMPLETE LOAN ON THE SUBJECT PROPERTY. ' r > $1M ~ > BORROWER: Mwm}. (5 mé‘jgwsch BORROWR: of State Qkg f, County of Sworn and Subscn" [Scab . ,..~ Mn. _. WiLUAM E. PAPLAUSKAS JR. Notary Puinc Siam 01 Rhoda Islam! Notary I0 # 52085 J My Commsslon Expires Sap 3, 2015 .. V :WWRE mm I _W 1455111910 P3961 M 1 atmu'ruaEINAME AFFIDAVIT c-rcnam s Gum 1213:) m7iflidlo294442014092m’ c—vnx [urm (rowan 205 n i <9 W1““\\\ll\\lmfllmlmmflmflmWmlfifllfifilmnW“\\\\\|\\\\|\\l\l\\\\\|\ \lilMHll“ P20 9/5/2018 9:17 AM LENDER: JPMmgan Chase Bank, NA. LOANf}: 1463131010 T‘NERTON, RI 02378 PROPERTY ADDRESS: 528 NANAQUAKET RD, SIGNATURE CERTIFICATION/AFFIDAVIT IS TRUE MY” NAME AS FOLLOWS. THIS MY ‘ DO SIGN I. REEECCA MAJEWSKI I HEREBY CERTIFY THAT . #—.W§WWA-I\==&LW ACCURATE S}GNATURB: AND WILLIAM E. PAPLAUSKAS JR‘ Notary Pubflc ‘ State of Rhone Island II) a? $2085 a .E Nlozary ss' 2015 . M c0mm Rom. V " y“? a .gg‘n‘ffmxwmsgifLaqyw‘ State ofwfi Comfy of N >fll'x' E‘Wm f r c thim—QAY “guy Sworn and Subscr’ e (Seal) wmfixwegmaxalu My Commission ExPircs: CAPTIONED BORROWER REVIEWED SIGNATURE ON THE ABOVE IS T0 CERTIFY THAT 1 HAVE WITHIN OUR FILE AS THIS HlS/HER NAME ON ALL DOCUMENTS AND HE’SHE HAS CONSISTENTLY SIGNED ' HE/SHB DID ON THE NOTE. W Lender chresenmfivn Title NAME AFFIDAVIT is required. Complete if AKA (aiso known as) THIS Is To CERTIFYTHAT: Rebeca; Wléwyzrz ' ’ Rebeca» L. Krquo ARE ONE AND THE SAME FERSON. T'Hrs L. s 13$ 6: Rampant M&fiw A mpm MORTGAGE coNNBcrION wmI DOCUMENTS To 03mm NAME AFFIDAVIT Is COMPLETED m LOAN 0N THE SUBJECT mommy PWWW name nppcam, Widjewd‘Ke BO' ' 0 ER: I?UXCCA [HBOUJ’fla B ER: ‘ . Staté Of QM l u. ' County of PDQ” ' ' ‘ ‘ ' My ofUW} . Swarm rand Sub _ é?" (Seal) y b MyNA‘ornmission Expires: WILLIAM E. PAPLAUSKAS m, Notary Public State of Rhoda Islam: Noiary JD z? _ 52085 Commission Expites Sap 8, 2015 I ‘ "' W "" ‘ " Mvrw-fia 1683131910 SIWTURE/NAME AFFIDAVIT P09: 1 a“ ”375.07035 12/35! 07MB (12/57) (final: D7035 Tifttfimiflfitimiiimium“mmmmmmmm“mumnummuumuumn1 W“ 9/5/201 8 9:1 7 AM ' In 'rTna 'n Wa-SI’BCOI’“! as O 0W5: Borrowar/Owner [Signer (1) Name: 1/1/10 r MFGWW\pwi‘cz‘ Type of ID: Driver’s License -___Date ofBixth: Issuing State and Agency: RIDn Address on ID ma qum pgdcesg Yes —Mq¥ Date Issued: 9] \1 3Q? W Expiration Dam: ‘ & ijlylfl Address on JD does Property Addressig address below: not\match0 9““ INFORMATION REDACTED I . ' CONFJDENTIAL . wagrgtmrt “VA mun m Dar ‘ Bonower/Owner/signer (1) Signature:J {4% Bamwermwnerlsigneuz) Name: geberca qufiusla Dnv°r’ Type of ID- 8 license #__Date of Birth. ' Ewing Slate and Agency; PJDMV Address on ID Address. Yes marchg EmpeLt! —,____4__No Date Issued: q ‘ ?J‘LWI S” B(pirau'on Date. 8ZV/>¢i3 Addras on ID does not match Property Address. Sea address below. qu0¢m WE‘- ’34” / god,“ m: aw. w \ rower Ow r/Signerfz Signature: 7‘14 Nam 553/ Notary Public ‘MLLIAME. PJ\PLAUS\’AS JR. \Mlliam E Paplauskas Jr. Notary Public u’ Slaw Rhoda Island «n.17ub Nmai‘j ID J 52005 My Ccmmlisec- mires Sap r w \xx- V- '> mx‘iflcgs-‘L‘m‘m8 2015 P22: 9/5/201 8 9:1 7 AM ‘ LENDER: JPMorgan Chase Bank, NA. L0AN#: 1453131910 .. 02878 1 PROPERTY ADDRESS: 528 NANAQUAKET RD, TIVERTON, R1 SIGNATURE CERTIFICATION/AFFIDAVIT FOLLOWS. THIS IS MY TRUE AND [HEREBY CERTIFY THAT I, VINCENT MAJBWSKI, DO SIGN MY NAMEAS TE SIGNATURE: ACCU C‘VK, ' ‘ fl q 11111711711? PA§LEB§1§1§E~ a r“ Neitry ?uhfic P V/é state 132mm e 131m 5 J BORROfiR r" m_omry [a i; 52035 W Commlsqlon Egm‘res Sap 8, smear ' 2015 No1, J‘_v-\_,-\_.:: -xx- h ffixvgr— County of N84,} thismay Sworn and Subscrib any >¢l r (Seal) BORROWER THIS IS ’I‘O CERTIFY THATI HAVE REVIEWED THE SIGNATURE ON THE ABOVE CAPTIONED AND HBSHE HAS CONSIS’I‘ENTLY SIGNED HIS/HER NAME ON ALL DOCUMENTS WITHIN OUR FILE AS HE/SHB DID ON THE NOTE. ‘ Lender Reprcscnimivc Title -...... —...... NAME AFFIDAVIT Complete if AKA (also known as) is required. THIS Is To CERTIFY THAT: Cu) SM C m4) M” me a gaJ/mccm" E- ma 8W6!“ AREONBANDTHESAMBPBRSON.THIS Q FIRST MORTGAGE A NA B AFFIDAVIT IS COMPLETE N CONNECTION WITH DOCUMENTS TO OBTAIN LOAN ON THE SUBJECT PROPERTY. Plym/Méach Way name appears. ( L,— B% ’OW :g/ZCE/IIL‘ mflewgkr .r m, BORROWER: M4064; 6‘ ”7ng SK: A/fl— 4 BORROWéR: Slate of Qkg County of M Swom and Subscri (Seal) " .4— . "v"...'\"‘ #W—Pk _ ‘_ “JJ WILLIAM E. PAPLAUSKAS JR. Notary Public Slate of Rhoda Island Nomy 10 iii- 52085 My Commisslpn Expires Sep B. 2015 W—umm Wm- _r~_,—:~':T——— 1463131910 SIGIM‘IURBHAMEAFFIDAVIT 1/97 Eu 000:9 12195) c- 7039 112197) (remnant 07035 pug“ 1 D“ 20:50720'4'2‘019‘44201‘wzay .x ,‘I l Ill ‘ IWII NH I ll ll llNWIll![WIWWIWWWUIIINIIWIIIIHIIWHIWNWWm P23 9/5/201 8 9:1 7 AM LENDER: JPMorgan Chase Bank, NA. LOAN#: 1463131910 PROPERTY ADDRESS: 528 NANAQUAKEI‘ RD, TIVERTON, RI 02878 SIGNATURE CERTIFICATION/AFFIDAVIT THIS IS TRUE 1 HEREBY CERTIFY THAT l, REBECCA MAJEWSKI , DO SIGN MY NAME AS FOLLOWS. MY ‘_~‘__—.::_— - AND ACCURATE SIGNATURE: W _____,—__ WILLIAM E. F%FLAUSKAS JR. , Notary Public State of :imdalsland lD-.‘ ~ Notary 52085 BORROWfi My Commls sign Expir__e_s §ep_8, 2015 State of .x— \4" x..- - -r' H.- _ _:‘_’\_Hv Caumy era Sworn and Subscr' e (Seal) My Commission Expires. THIS IS TO CERTIFY THAT I HAVE REVIEWED THE SIGNATURE ON THE ABOVE CAPTIONED BORROWER AND HEJSHE HAS CONSISTEN’I‘LY SIGNED HIS/HER NAME ON ALL DOCUMENTS WITHIN OUR FILE AS HEISHE DID ON THE NOTE. Lender Representative Title ...... NAME AFFIDAVIT Complete if AKA (also known as) is required. THIS Is To CERTIFY TIMT: Rebeca; (MafimV/Z L. Kmswfo RebEccox ’ & [?gbeccq L1 iMafivasb‘ AREONEAND THE smarensonnus NAME AFFIDAVIT IS COMPLETED IN CONNECTION WITH DOCUMENTS TO OBTAIN A FIRST MORTGAGE LOAN ON THE SUBJECT PROPERTY. PWWW name appears. Bori BR: Rebeca Majéwxzr BOflROWER; RebeccaL/me vcc L~ Bofikéfilam Rmbec Mm/Ewrnl Slatc‘ of County of t ' " - (seal) . Worxkission Expires: 4‘AH” _...._____. n m WILLIAM E F%PLAUSKfiS JR 1122321,! Public State cf. .hcdelsland Note:inD 52085 My Ez. Commfss_inn_ __a_lres Sap 8 2015 _\_—"\_ ' M 1433131910W SIIGMTU lcpmefiFnDCoAyg 12/95) C-7m9 12137 (r 351/97 & 0-7038 t ) 2015072014.2079H<20140826Y P39“ 1 9” 11 11 1 1111111111111111111111111111111111111111 WW” P24i 9/5/201 8 9:1 7 AM . LENDER: JPMORGAN CHASE BANK BORROWER(S): VINCENT MAJEWSKI and REBECCA MAJEWSKI PROPERTY ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 LOAN NO: 1463131910 ERROR AND OMISSIONS I COMPLIANCE AGREEMENT STATE OF RI COUNTY OF NEWPORT The undersigned borrower(s) for and in consideration of the above-referenced Lender funding the closing of this loan agrees. if requested by the Lender or Closing Agent for the Lender. to fully cooperate and adjust for clerical errors, any or all loan closing documentation if deemed necessary or desirable in the reasonable discretion of the Lender to enable the Lender to sell, conVey, seek guaranty of market said loan to any entity, including but not limited to an investor, Federal National Mortgage Association, Federal Home Mortgage Corporation, Govemment National Mortgage Association. Federal Housing Authority or the Department 0f Veterans Affairs, or any Municipal Bonding Authority. The undersigned borrOWer(s) agree(s) to comply with all abOVe noted requests by the above-referenced Lender/Closing Agent within 30 days from the date of mailing of said requests. BorrOWer(s) agree(s) to assume all costs inciuding, by Way of illustration and not limitation, actual expenses, legal fees and marketing losses for failing t0 comply with correction requests in the above noted time period. The undersigned borrower(s) do hereby so agree and covenant in orderto assure that this loan documentation executed this date will conform and be acceptable in the marketplace in the instance 0f transfer. sale or conveyance by the Lender of lts interest in and to said loan documentation. and to assure marketable title in the said borrOWer(s). ‘DATEDb 21/2015 «é/fl WW VINCENT MAJEWSKI REBECCA MAJEWSK! ethisb&day 0$W\/\/ .'>‘§9’{ r a My Commission Expires: 2 l wwhmygmeolzmt? ”\.. WlLLlAt‘Jl E. PAPLAUSKAS Jfi. Mntary Public State of Rhoda Island Notary ID a; 52085 My Comrnlsston Explres Sap 8, 2015 "‘ “—‘q—NJ’\." 9W ._. \_ gm P253 9/5/201 8 9:1 7 AM I I I f . ALL TERMS MET i . BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI j SELLER: EARL POOLER and NINA SZULEWSKl-POOLER ; RI 02878 ADDRESS: 528 NANAQUAKET RD TIVERTON E of the and Seller for the above- All terms of the sales agreement have been met or waived to the satisfaction Buyer mentioned property. assessor's latest valuation Tax, assessment, and bond prorations shall be based on the last known bill or upon the tax practice andlor . and the current tax or assessment rate. and shall be prorated at the time of closing. If it is common will be no re—proration or local custom to have no prorations at the closing, there shall be no prorations. There it has no I readjustment of taXes based 0n actual statements after the date of closing. The seller represents that 3 knowledge, actual or constructive, as whether or not a homestead exemption applies to the property. or statements in this agreement that concem taxes, This paragraph shall supersede and override any other clauses I assessments or bonds. g/F‘ 7M: 4/4, // (>24 ’ VINCENT MAJEWSKI Date EARL POOLER Date , W, I 7W’ am Date REB/ECCA MAJEWSKI Date MNINA SZULEWWOOLER ; ' 1 ; i s‘OR AN su so IB THISDli DAYOAWEE; ,20! :2 VI‘“C€~\T m Q&Udfl fl M om} /NdirARY ‘5? flunk\ PUBW Q? gccew m k X’- fl/ MY COMMISSION E RES: q }9{2¢l E \NJMME «sakkmgx. r- - \u"~/‘ ‘ M'x. . W JR. WILLIAM E. PAPLAUSKAS Notary Public S I State oi Rhoda Island g i Notary ID =1: 52085 > Expires Sap 8, 2015 I My Gommi sslon _~__....__.._ l i. 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKI-POOLER ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 All terms of the sales agreement have been met or waived to the satisfaction of the Buyer and Seller forthe above— menfioned property. Tax, assessment and bond prorations shall be based on the last known bill 0r upon the tax assessor’s latest valuation and the current tax or assessment rate, and shall be prorated at the time of closing. If It Is common practice andlor local custom to have no prorations at the closing, there shall be no prorations. There will be no reproration or readjustment of taxes based on actual statements afterthe date of closing. The seller represents that it has no knowledge, actual or constructive as whether or not a homestead exemption applies to the property. This paragraph shall supersede and ovem'de any other clauses or statements in this agreement that concern taxes, assessments or bonds. // g.gfl 7/a///$ VINCENT MAJEWSKI Date EARL POOLER Date 791/18” 47W ' REB/EcCA MAJEWSKI Date NINA SZULEWSKI-POOLER Date 0R AN su so IB /THIS ii DAYO; why V’ImceqT Mafiewdfl /NMARYPUBWc QV/ QAOCCGAP mm ngk oq/ MY COMMISSION E Res- MDw \ \Na‘ ‘WME ”QN’W‘ k°‘$‘~- _'\’vv WILLIAM E. PAPLAUSKAS JR. Notary Pubtic State c.‘ Rhoda Island Notary tD-f‘52085 My GommIssIon Efiires §ep 8. 2015WA)> \—' ‘5’” fiN— P27: I 9/5/201 8 9:1 7 AM . _ ., ._.- .l—M~—._ 2mm r - Y mauswa Ru fl_ I WESTPORT. MA 027902205 EKgL/fi‘ amonmumommu n" /%M/’—:N 7/al/IS '1 I ££££ka sosmma 022m I a swmmummsm: W . : ‘ fl5M 7M1) 15 INFORMATION REDACTED IS CONFIDENTEAL P28-\ 9/5/201 8 9:1 7 AM Return To: Chase Records Center Atm: Collateral Trailing Documents RE: MC 8000, 700 Kansas Lane - Monroe LA 71203 Prepared By: Krista Whitehair 1111 Polaris Parkway Columbus, OH 43240 Mortgage Definitions. Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Sec‘tion 16. (A) "Security Instrument "means this document, which is dated July 21, 2015, together with all Riders to this document. (B) "Borrower” is VINCENT MAJEWSKI AND REBECCA MAIBWSKI, Husband and Wife , Borrower is the mortgagor under this Security Instrument. (C) ”Lender” is JPMorgan Chase Bank, N.A.. Lender is a National Banking Association organized and existing under the 1aWs of the United States. Lender's address is 1111 Polan's Parkway, Floor 41, Columbus, OH 43240 Lender is the mortgagee under this Security Instrument ” (D) “Note means the promissory note signed by Borrower and dated July 21, 2015 The Note states . that BOHOWer owes Lender four hundred twenty six thousand four hundred and 00/100 Dollars (U.S. 1483131910 RHDOE ISLANDSIHQIB Famfiy-Fannls MaeIFreddie Mal; UNiFDRM INSTRUMENT Form 3040 1/01 (lav. 11/02) VMP® 08/14 o! Walters Kluwerfinaneial Saw‘ices 2015072014202944420140828Y . Initial __M.Pagu 1 17 NIWWIWH"Hm!!!” H! 1W" Tlflmfli WNW” 1111111111111111111111 P29? 9/5/201 8 9:1 7 AM $426,400.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2030. ” (E) "Properly means the property that is described below under the heading "Transfer ofRights in the Property." (F) "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. (G) “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]: D Adjustable Rate Rider D Condominmm Rider D Second Home Rider D Balloon Rider D Planned Unit Development Rider D 1-4 Family Rider D VA Rider D Biweekly Payment Rider D Other(s) [specify] (H) 'Qépplz'cable Law" means all contxolling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non~appealable judicial opinions. (I) "Community Association Dues, Fees, andAssessments" means all dues, fees, assessments and other charges that are imposed 0n Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer” means any transfer offunds, other than a transaction originated by check, drafi, or similar paper instrument, which 1's initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point—of—sale transfers, automated teller machine tansactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. " (K) “Escrow Ilems means those items that are des cribed in SectiOn 3. (L) "Miscellaneous Praceeds"means any compensation settlement, award of damages, or proceeds paid by any third party (othervthan insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taldng ofall or any part of the Properly; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. " (M) "Mortgage Insurance means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) “Periodic Payment" means the regularly scheduled amount due for (i) principal and interestunder the Note, plus (ii) any amounts under Section 3 of this Secun'ty Instrument. ” (O) "RESPA means the Real Estate SettlementProcedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (12 GER. Part 1024), as they might be amended fiorn time to time, or any additional or successor legislatiOn or regulation that governs the same subject 1463131 910 CHODE lSLAND-Slngle FamIIy-Funnle MaelFraddls Mac UNIFORM INSTRUMENT 304D 1/01 (mv 11/02) MP9 1%er usn 4 M‘Paga Wollurs Kluwor Flnandal Services 2015072014232944420140528Y Initials______._.M 2 uf 17 Ullllllllllllllllllflllll llllllll Hill”! ll l“ ll” IlllllllllllllllllllllllJill I P303 9/5/201 8 9:1 7 AM matter. As used in this Security Instrument, RESPA 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. (P) "S‘uccessor in Interest ofBorrOWer” means any party that has taken title to the Property, whether or not that party has assumed Borrower‘s obligations under the Note and/or this Security Instmment. Transfer of Rights in the Property. This Security Instrument secures to Lender. (i) the repayment of the Loan, and all renewals, extensions and mo dificafions of the Note; and (ii) the perfozmance of Borrower‘s covenants and agreements under this Security Instrument and the Note. For this purpose Borrower does hereby mortgage, grant and convey to Lender, with Mortgage Covenants upon the Statutory Condition and With the Statutory Power of Sale, the following described preperty located'm the COUNTY [Type of Recording Jurisdiction] ofNewport [Name ofRecording Jurisdiction]: See Attached Parcel ID Numberi 403-1 67-000 which cuuently has The address of 528 NANAQUAKET RD [Street] TIVERTON [City], Rhoda Island 02878 [Zip Code] ("Propeuy Address"): TOGETI-ER WITH all the improvements now or hereafter erected on the pr0perty, and all easements, appurtenances, and fixtures now or hereafier apart ofthe property. All replacements and additions shall also be covered by this Security Instrument. A11 ofthe foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS thatBorrovver is lawfully seised ofthe estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Bonower warrants and Will defend generally the title to the Property against all claims and demands, subject to any encumbrances ofrecord. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non—uniform COVenants With limited variations by jurisdiction to constitute a uniform security instmment covaring real pr0perty. Uniform Covenants. Borrower and Lender covenant and agree as follows: 1 . Payment of Principal, Interest, Es crow 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 prepaym ent charges and late charges due under th e 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 U.S. currency. Howaver, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpai d, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in One or more ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified 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 (d) 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 retum any payment or partial payment if the payment or partial payments are insufiicient to bring the Loan current Lender may accept any payment or partial payment insuficient to bring the 1483131910 RHODE ISMND-Singto Family HIMNIHIHIHHWHWH ll WNWHill!UH l"! IHWWWHW"WNHWI "NW"! P31i 9/5/201 8 9:1 7 AM Loan current, without Waiver of any rights hereunder orprejudice to its rights to refiase such payment or partial payments in the future, but Lenderis not obligated to apply such payments at the time Such payments are accepted. If each Periodic Payment is applied as ofits scheduled due date, then Lender need not pay interest 0n unapplied funds. Lender may hold such unapph'ed funds until Borrower makes payment to bring the Loan current. IfBorrower does not do so Within a reasonable period of time, Lender shall either apply such fimds or return them t0 Borrower. Ifnot applied earlier, such funds Will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. N0 ofiset or claim Which Borrower might have now or in the future against Lender shall relieve Borrower fiom 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: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under SectiOn 3. Such payments shall be applied to each Periodic Payment in the order in Which it became due. Any remaining amounts shall be applied fast to late charges, second to any other amounts due under this Security Insturnent, and then to reduce the principal balance of the Note. IfLender receives a payment fiom Borrower for a delinquent Periodic Payment which includes a suficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. Ifmore than one Periodic Payment is outstanding, Lender may apply any paymentreceived 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 afier the payment is applied to the full payment 0f one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any applicatiOn ofpayments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend 0r postpone the due date, or change the amount, 0f the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due underthe Note, until the Note is paid in fiJII, a sum (the "Funds“) to provide for payment ofamonnts due for: (a) taxes and assessments and other items Which can attain priority over this Security Instrument as a lien or encumbrance 0n the PrOperty; (b) leasehold payments or ground rents on the Pr0perty, if any; (c) premiums for any and all insurance required by Lender under Section S; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment ofMortgage Insurance premiums in accordance with the provisions of SectiOn 10. These items are called "Escrow Items." At origination or at any time dun'ng 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. Borrower shall promptly 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 a1] 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 ofFunds has been waived by Lender and, ifLender requires, shall furnish to Lender receipts evidencing such paym ent Within such time period as Lender 1463131 910 RHODE ISLAND-Singla Family-Fannla Mafimddla Mac UNlFORM INSTRUMENT Form 3040 1/01 (rev. 1011n2) VMP® waters Nuwemnandalsemees 20150720142.0.294N20140323Y lnIUaIrLBM ~Paga 4on! 17 lllllll' Hlllllllllll Ill ll J! Ill 11HJHHI III llJlJllJlHllHlllllll” Jillllfllllllll P32 9/5/201 8 9:1 7 AM. may require. Borrowar‘s obligation t0 make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security mstrument, as the phrase “covenant " and agreemen is used in Section 9. IfBorrower 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 Borrowar 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 requiIed under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufificient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount ofFunds due 0n the basis 0f current data and reasonable estimates OfCXpendimres offuture Escrow Items or otherwise in accordance Wi th Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, ifLender 1's an instimtion whose deposits are so insured) or-z'n any Federal Home LoanBank. Lender shall apply the Funds t0 pay the Escrow Items no later than the time specified under RBSPA. Lender shall not charge Borrovver for holding and applying the Funds, annually analyzing the escrow account, or Ven'fying the Escrow Items, unless Lender pays Borrowa interest 0n the Funds and Applicable Law pennits 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 Ifthere is a surplus ofFunds held in escrow, as defined under RESPA, Lender shall account to Borrower for the eXCess funds in accordance With RESPA. If there is a shortage ofFunds held in escrow, as defined 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 monthly payments. If there is a deficiency ofFunds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. BOHOWer shall pay all taxes, assessments, charges, fines, and impositions attributable to the Pr0perty which can attain priority over this Security Instrument, leasehold payments or ground rents on the Preperty, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, BorIOWer shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien Which has priority oVer this Security Instrument unless Borrower: (a) agrees inwriting to the payment ofthe obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings Which in Lender’s opinion operate 1453131910 RHODE ISLANDsmgla Famny-Fannxe Mao/qudtu Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11/02) VMP® fl“ 08/14 Wollors Kluwar Financjal Survices 2015072014292944‘120140328Y InlllaIS.___—HQ Pugfl 50' 17 lJllllllflllfilllflllllHIUWH llllllllllllill W WWII IIIIIIIIIIII IIHIIIMHUH WWII! "I P33 9/3/2018 9:17m—‘ to prevent the enforcement ofthe lien while those procesdings are pending, but only until such proceedings are concluded; or (c) secures fiOm the holder ofthe lien an agreement satisfactory to Lender subordinafing the lien to this Security Instrument. IfLender detennines that any part ofthe Pr0perty is subject to a lien Which can attain prion'ty over this Security Instrument, Lender may give Borrower a notice identifiing 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 verification and/or reporting service used by Lender 1'11 connection With this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Preperty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, forwhich 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 tenn ofthe Loan. The insurance carrier providing the insurance shall be chosenbyBorrower 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) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur Which reasonably might afi‘ect such detennination or certification. 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 flood zone detennination resulting from an objection by Borrower. IfBonower fails to maintain any ofthe coverages described above, Lender may obtain insurance coverage, at Lender‘s Option and Borrower's expense. Lender is under no obligation to purchase any parficular 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 n‘sk, hazard or liability andmight provide greater or lesser coverage than was previously in efi‘ect Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost ofinsurance that Borrower could have obtained. Any amounts disbursed by Lender under this SectiOn 5 shall become additional debt ofBorrower secured by this Security Instmment. These amounts shall bear interest at the Note rate fiom the date ofdisbursement and shall be payable, With such interest, upon notice fiom Lender to B onower requesting payment. . A11 insurance policies required by Lender and renewals ofsuch policies shall be subject to Lender‘s right to disapprove su'ch 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 certificates. IfLender requires, Borrower shall promptly give to Lender all receipts ofpaid premiums and renewal notices IfBorrower 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, Bonower shall give prompt notice to the msurance carrier and Lender. Lender may make proof ofloss if not made promptly by Borrower. Unless Lender andBorrower otherwise agree in writing, any insuiance proceeds, whether or not the underlying insurance was required by Lender, shall 1463131910 RHODE |SLAND~Sths Fumfly-Funnla MaelFreddls Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11/02) VMP® ‘ Dal, Walters KluweIFlnnnnluI Services 2015072014. 2. 0. 2944420140828Y lnlllalsM' P398 E 17 1WI“Ill"lllllllllllllllfllllllH111111111Jim” 11111 111111111111111111111111111 P34 = 9/5/201 8 9:1 7 AM be applied to restoration or repair of the Property, if the restorafiOn 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 promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work 1's 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 Bouower shall not be paid out of the insuxance proceeds and shall be the sole obligation ofBOHOWer. 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 Secun'tylnstmment, 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. IfBorrower abandOns the Property, Lendermay file, negotiate and settle any available insurance claim and related matters. IfBOHOWer does not respond within 30 days to a nofice fiom Lender that the insurance carrier has ofi‘ered 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 Lender acquires the Pr0perty under Section 22 or otherwise, Borrower hereby assigns to Lender (a) BorrOWer’s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of BOHOWer's rights (other than the right to any refund ofunearned premiums paid by Borrower) under aIl insurance policies covering the Property, insofar as such rights are applicable to the coverage ofthe Prop erty. Lendermay use the insurance proceeds either to repair or restore the Pr0perty or to pay amounts unpaid under the Note 0r this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and uSe the Property as BOHOWer'S principal residence within 60 days afier the execution ofthis Secun'ty Instrument and shall continue to occupy the Prop erty as BOIIOWer‘s principal residence for at leastone year afier the date ofoccupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuan'ng circumstances ’ exist which are beyond BOIIOWer‘s control. 7. Preservation, Maintenan ce and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Preperty to deteriorate or commit waste on the Property. Whether or not Bouower is residing in the PrOperty, Borrower shall maintain the Property in order to prevent the Pieperty fiom 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 promptly repair the Prop erty if damaged to avoid fiuther 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 rep airing or restoring the Prop erty 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 sen'es ofprogtess payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Prop erty, Borrower is not relieved of Borrower's obligation for the completion ofsuch repair or restoration. 1453131970 RHODE ISLANDSInQIe Famfly--Fannle Mae/Fraddie Mac UNIFORM INSTRUMENT Form 3040 1/01 (mv. 11/02) VMP® wollars Kluwar Financial Services 20150720142 0294‘1420140828‘! L’fiUalsL—gfl.- Page T of 17 JWNHWHUHWl!!!”IMW"!HUM WNW 11 111 111111111111111111111111111111111 P35 t AM"— 9/5/2018 9317 Lender or its agent may make reasonable entries upon and inspections ofthe Property. Ifit has reasonable cause, Lender may inspect the interior ofthe 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 ofBorrower or with Bonower‘s knowledge or consent gave materially false ,misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material infomaation)’m 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 (a) Borrower fails to perfonn the covenants and agreements contained m this Security Instrument, (b) there'ls a legal proceeding that might significantly afi‘ect Lendefis interest m the Property and/or rights under this Secun'ty Instrument (such as a proceeding m bankruptcy, prob ate, for condemnation or forfeiture, for enforcement of a lien which may attain prion‘ty over this Security Inshrument or to enforce laws or regulations), or (c) 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 ofthe Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Insh'ument, including its secured position in a bankruptcy proceeding. Securing the PrOperty includes, but is not limited to, entering the Pr0perty to make repairs, change locks, replace or board up doors and Windows, drain water fiom pipes, eliminate building or other code Violations or dangerous conditions, and have utilities tamed on or ofi‘. 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 n0 liability for not taking any or all actions authorized under this Section 9. Any amounts disbuxsed by Lender under this Section 9 shall become additional debt ofBorrower secured by this Security Insmunent. These amounts shall bear interest at the Note rate fiom the date of disbmsement and shall be payable, with such interest, upon notice fiom Lender to Bouower requesting payment If this Secun'ty Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. IfBOIIOWer 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. IfLender requiied Mortgage Insurance as a cenditiOn of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in efi‘ect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available fiom 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 efi‘ect, at a cost substantially equiValent to the cost t0 Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. Ifsubstantialiy equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated 1463131 910 RHDDE ISLANDSlngle FamlIy-Fannla MualFraddle Muo UNIFORM INSTRUMENT Form 3040 1101 (rev. 11/02) VMP® of! Wolters Kluwar Financial Sewlces 2015072014.2.0.344420140828Y Initials: Page B 17 llllllllllllllllllllmllllllll ll! llllllll llllll“ ”ll ll" llllilllJlllllllllllilllllllllllllllllllllll P365 "' ' '9/5/fi1’8‘97f7 AM payments that were due when the insurance coverage ceased t0 be in effect. Lender will accept, use and retain these payments as a non-refimdable loss reserve in lieu ofMortgage Insurance. Such loss reserve shall be non-refimdable, notwithstanding the fact that the Loan ls ultimately paid m full, and Lender shall not be required to pay Borrower any interest 0r earnings on such loss reserve. Lender can no longer require loss 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 aVailabIe, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. IfLender required Mortgage Insurance as a condition ofmaking the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insuxance, Borrower shall pay the premiums required to maintain Mortgage Insurance in efl‘ect, or to provide a non—rerndable loss reserve, until Lender's reqlfirementfor Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until tennination is required by Applicable Law. Nothing in this Section 10 afiects 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 ifBorrower does not repay the Loan as agreed. Bouower 1s not aparty to the Mortgage Insurance. Mortgage msurers evaluate their totalrisk on all Such msurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements axe 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 insure: to make payments using any source offunds that the mortgage insurer may have available (which may include funds obtained fiom Mortgage Insurance premiums). As a result ofthese agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other enfity, or any afiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion ofBorrower'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 afiliate of Lender takes a share ofthe insurer's 11'sk in exchange for a share ofthe premiums paid to the insurer, the arrangement is ofien tenned "captive reinsurance." Further: (A) 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. (B) Any such agreements will not afiect the rights Borrower has .— if any - with respect to the Mortgage Insurance under the Homeorvners 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 Misceflaneous Proceeds; Forfeiture. All Miscellaneous Proc'eeds are hereby assigned to and shall be paid to Lender. 1463131910 ISLAND-Slnglo Family--Fannle MaelFredd‘re Mac INSTRUMENT Form 3040 1/01 (rev RHODE UNIFORM 11/324) VMP® OB 1 Wallets Kluwor F‘nandal sawlcss 2015072014. 2 0 2944420140828Y lnllinlsLL[M'Pnga 9 o! 17 HHHHHHHHHJJHH U! 1HHHHIHH HHHHHHHHHH i P37 9/550 1'8' 971W If the Pr0perty is damaged, such Miscellaneous Proceeds shall be applied to restoration or repaiJ: of the Property, ifthe restoration or repair is econornically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds unfil 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 promptly. Lender may pay for the repails and restoration in a single disbursement or in a series ofprogress payments as the work 1's completed. Unless an agreement is made in writing or Applicable Law requixes interest to be paid on such Misoellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. Ifthe restoration or repair is not ecommically 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 ofa 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 ofthe Sums seemed 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: (a) the total amount of the sums secured immediately before the partial taldng, destruction, or loss in value divided by (b) 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 ofapartial taldng, destruction, or loss invalue of the Property in Which the fair market value ofthe PrOpetty immediately before the partial taldng, destruction, 0r loss in value is less than the amount of the sums secured immediately befOre the partial taking, destruction, or loss inValue, unless Borrower and Lender otherwise agree inwriting, 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 B onower, or if, afier notice by Lender to Borrower that the Opposing Party (as defined 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 0r 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 Bonower has a right of action in regard to Miscellaneous Preceeds. 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 ofthe Property or other material impainnent ofLendet’s interest in the Pr0perty or rights under this Security Instrument. Bon'ower 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 ofLender‘s interest in the Property or rights under this Security Instrument. The proceeds of 1663131910 RHODE lSLANDSingIo Family Fannie MaelFtudd‘a Mac UNIFORM BNSTRUMENT - Fauna304DM1101 (rev. VMP® m' $7124) Wailers Kluwar Financia) Services 2015072014. 2.0. 294N20140828Y lnlflalsL__ Page 10 of 17 NIHIHWIHNMI l Hm” ll WWII! Wm HI INN Um v P38 . iigisfims 9:17AM any award or claim for damages that are aflrwutable to the impairment ofLender’s interest in the Property are hereby assigned and shall be paid t0 Lender. A11 Miscellaneous Proceeds that are not applied to restoration or repair of the Preperty shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Secmity Instrument granted by Lender to Bonower or any Successor in Interest of Borrower shall not Operate to release the liability of BOIIOWer or any Successors in Interest ofBorrower. Lender shall not be required to commence proceedings against any Successor in Interest ofB orrower 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 0r any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender‘s acceptance of payments fiom third persons, entities or Successors in Interest ofBorIOWer or in amounts less than the amount then due, shall not be a waiVer of or preclude the exercise ofany right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower co‘venants and agrees that Borrovmr's obligations and liability shall be joint and seVeraI. HOWever, any BorIOWer who co-signs this Security Instmment hut does not eXecute the "co-signer“): 1's Note (a (a) co-signing this Security Inshmnent only to mortgage, grant and convey the co—signer's interest in the Property under the terms of this Security InsnuInent; (b)'1s not personally obligated to pay the sums secured by this Security Instmment; and (c) agrees that Lender and any other Borrovver can agree to extend modify, forbear or make any accommodations With regard to the terms ofthis Security Instrument or the Note Without the co-signer's consent. Subject to the provisions 0f Section 18, any Successor in Interest of Borrower Who assumes Borrower's obligations under this Security Instrument in Wtifing, and 1's approved by Lender, shall obtain all of BorIOWer's rights and benefits under this Security Instrument. Borrower shall not be released fiom Borrovver'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 benefit the successors and assigns ofLender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection With BorIOWer's default, for the purpose ofprotecting Lendefs interest in the Properqr and rights under this Security Instrument, including, but not limited to, attomeys' fees, property inspection and Valuation fees. In regard t0 any other fees, the absence of eXpress authority in this Security Instrument to charge a specific fee to Borrovver shall not be construed as aprohibition on the charging of such fee. Lender may not charge fees that ate eXpressly prohibited by this Seemity Instnnnent or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected er to be collected in connection with the Loan exceed the pennitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected fiom 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 maldng a direct payment to Borrovver. If a tefimd reduces principal, the 1463131910 RHODE lSLANDslngle Family-Fannle MaelFreddla Mac UNIFORM INSTRUMENT 3040 1/01 (mv. 11/02) ”form Wipe Vflf. 03114 Wallets KiuwerFinanaalServicos 2015072014.ZO.2944—JZO14032M Inllials J‘Paga 11 0H? iWWWWfl H H Wfimll JWIMWJ m P39 I " 9/5/2018 9:17 AM reduction will be treated as a partial prepayment withOut any prepayment charge (whether or not a prepayment charge is provided fer under the Note). Bonowefs acceptance of any such refimd made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 1 5. Notices. All notices given by Borrower or Lender in connection with this Security Instumentmust be in writing. Any notice to Borrower in connection with this Security Insuument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrowefs 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 B onower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender ofBonower's change of address. IfLender specifies a procedure for rep orting Borrower's change ofaddress, then Borrower shall only report a change ofaddress through that sp ecified procedure. There may be only one designated notice address under this Security Insmunent at any one fime. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has desimated another address by notice to Borrower. Any notice in connecn‘on 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; Severabiiity; Rules of Construction. This Security Instrument shall be govemed by federal law and the law of the jurisdiction in Which the Pr0perty 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 parties to agree by connect 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 conflicts With Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note Which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion Without any obligation to take any action. ~ 1 7. Borrower's Copy. Bonower shall be given one COpy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment Sales contract or escrow agreement, the intent ofwhich is the transfer oftitle by Borrower at a future date to a purchaser. If all or any pad of the Property 0r any Interest 1n the PrOperty'is sold or transferred (or ifBorrower is not a natural person and a beneficial interest inBonower'is sold or transferred) without Lendefs prior written consent, Lender may require immediate payment'1n full of all sums secured by this Security Instrument. However, this OptiOn shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 1463131910 RHODEISLAND-Slngle FamlIy-annla MaelFmddIs Mac UNIFORM lNSTRUMENT Form 804D 1/01 (rev. 101/02) VMP® 12008f, Walters Kluwer Financlal Snrvlcos 2015072014102944~120140828Y lnIUalsUfl/L Page 17 ”11111111111 HUI!“ H Him 111WHHH 1111111111111111111111111111111 P40 ; 9/5/201 8 9:1 7 AM IfLender exercises this Option, Lender shall give Borrower nofice of acceleration. The notice shall provide a period 0f not less than 30 days fiom the date the notice is given in accordance With Section 15 within Which Bouower must pay all sums secured by this Security Instrument. IfBorrower fails to pay these sums prior t0 the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. '19. Borrower‘s Right to Reinstate After Acceleration. IfBorrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might Specify for the termination ofBorrower's right to reinstate; or (c) enuy of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as ifno acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attomeys' fees, property insp ection and valuation fees, and 0th er fees incurred for the purpose ofprotecting Lender's interest in the Property and rights under this Security Instument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the PrOperty and n'ghts under this Security Instrument, and Borrower's obligau'on to pay the sums secured by this Security Insh'ument, shall cOntinue unchanged. Lender may require thatBorrower pay such reinstatement ~ sums and expenses in one or more ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified 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, insh'umentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Benower, this Security Instrument and obligations secured hereby shall remain fully efi‘ective 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. TheNote ora partial interest in the Note (together With this Security Instrument) can he 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 Instmment, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. Ifthere 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 shouldbe made and any other information RESPA requixes in connection With a notice of transfer of servicing. If the Note'is sold and thereafter the Loan is serviced by aLoan Servicer other than the purchaser ofthe Note, the mortgage loan servicing obligations to Borrower will remain With the Loan servicer or be transfened 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 fiom 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 notified the other party (With such notice given in compliance With the requirements ofSection 15) ofsuch alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If 1463131310 RHODE lSLAND-Slngla Family-Fannie MaBIFmdu'le Mac UNIFORM INSTRUMENT ’Form 3040 1I01 (mv. 101m) VMP® ’ oil Wollors Kluwar Flnann‘al Servlces 20150720142.!)2944420140525Y Imam Pagn 13 17 fl Hm!llllllllllllmll“ll ll!!!” llllllllllflll Hill lWIllllllllllmlillmfllll P41 9/5/201 8 9:1 7 AM 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 t0 Borrowar pursuant to Section 22 and the notice 0f acceleration giVen to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take correcfive action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction Where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition“ means a condition that can cause, coum'bute to, or otherwise nigger 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 PrOperLy. BorwWer shall not do, nor allow anyone else to do, anything afiecfing the Property (a) that is inviolation ofany Environmental Law, (b) which creates an Environmental ConditiOn, or (c) Which, due t0 the presence, use, 0r release 0f aHazardous Substance, creates a condition that adversely aflects the Value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property ofsmall quantities of Hazardous Substances that are generally recognized to he appmpriate to normal residential uses and to maintenance 0f the Property (including, but not limited to, hazardous substances in c0nsumer pro ducts). Borrower shall promptly giVe Lender written notice 0f (a) 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 Environmental Law ofwhich Borrower has actual knowledge, (h) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release 0r threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance Which adversely aflects the value ofthe Propeny. IfBOIrower learns, or is notified by any governmental or regulatory authority, or any priVate party, that any removal 0r other remediation of any Hazardous Substance afl‘ecting the Property is necessary, BOHOWer shall promptly take all necessary remedial actiOns in accordance With Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. a Non ~Uniform Covenants. Bonower 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 Sectipn 18 unless Applicable Law provides otherwise). The notice shall Specify: (a) the default; OJ) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default 0n or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The nofice shall further inform Borrowar‘of the right to reinstate after acceleration 1463131910 RHODE ISLANDGIngls Family-Fannie MaalFroddia Mac UNIFORM INSTRUMENT 3040 1/01 (lav. 101/02) VMP® Funne- Weller: KluwerF'nana‘alServIces 2015072014.2.0.2944-JZD140826Y14 lnllials_.—MJPage 14 of17 9i UHHJHUWWWWW H IHUIWHHHITWHiii Mm IN!” ll!!!”UIHIIHHJINJJHHlmwlm P42 9/5/201 8 9:1 7 AM 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 STATUTORY POWER 0F 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 STATUTORY POWER 0F SALE, Lender shall mail a copy of a notice of sale to Borrower as provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall he applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument shall become null and void. Lender shall discharge 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 paIty for services rendered and the charging of the fee is permitted under Applicable Law. 24. No Outstanding Automatic Orders in Domestic Relations Casas. Borrowerhereby represents and Warrants to Lender that either (a) there is no outstanding automatic order under Chapter 15-5 of the Rhode Island General Laws against any Borrower relating to a complaint for dissolution of marriage, legal sepaxau‘on, annulment, custody or visitatiOn or (b) there is an outstanding automatic order under Chapter 15»5 of the Rhode Island General Laws against a Bouower relating to a complaint for dissolution ofmarriage, legal separation, annulment, custody or visitation, and the other party that is subject to such order has consented to, or the court Which issued the automatic order has issued another order authorizing, such Borrowet‘s execution of the Note and this Security Instrument. 25. Homestead Estate. IfBorIower heretofore has acquired or hereafier acquires an estate ofhomestead in the Pmperty, Bonower hereby agrees that such homestead estate 1's Waived to the extent ofthis Security Instrument and the amount due under the Note and to the extent of all renewals, extensions and modifications of this Security Instrument or the Note, and that said homestead estate is subject to all of the rights of Lender under this Security Instrument and the Note and all renewals, extensions and modifications of this Security Insmmient and the Note, and is subordinate to the lien evidenced by this Security Instrument, and a1] renewals, extensions and modifications of this Security Instrument. Furthermore, Bonower hereby waives the benefits of any homestead or similar laws 0r regulations that may otherwise be applicable fiom time to time. 1463131910 RHODE ISLAND-Singla Family- Fannle MaelFteddie Mac UNIFORM INSTRUMENT mFox-m 3040 1/01 (rev 11/02) VMPO 150w Wallets Kluwer Financial Services 2015072014. 2.0.2944420140qu lnlflalsMMPago or 17 UIMMHIJUHIUIJUH}llH H mm! ll [Till J”WWHIJUHUHJIJNHHJHIUIIHM1H! P43 9/5/201 8 9:1 7 AM BY SIGNING BELOW, B0 cetsptsand agree toethttesrm andco encoanis ntainedinthissSecurity Instrument and in any Rider fifed byoBorr erande orwded ithit Borrower ;‘ 7/a///; ' VINCENTWMAJEWSKI Date Seal K 7/2} I tr ' REBECCA MAJEWSKI * Date *Non-Applicant Tifle Holder Seal HODEI ND—Slngl FORM] NUMSTR ENT 475mm23"” 'aszy) Mil: P253: K rFinan ln WWW WW WWWWWWWWWWWWH 9/5/201 8 9:1 7 AM Acknowledgment State of Rhode Island County of NeWport 0:3 \ ;\ s; \ in said County, before me personally appeared , \AncemT Mauviwdsi.‘ ?BBCCQA mm‘sewaK“ each and all to e kno n d known to me to be the person(s) executing the foregoing instrument and ' ac owledge said e ecu on to be Iher/th ee act and deed. ' otafg/Public A My commissionaW2‘},ij (seal) w“\ W f@,3: UW~N WILLIAM E. PAPLAUSKAS JR Notary Public State D! Rhoda Isiand o‘ary 11);; 52085 > My Commission Expires Sep 8, 2015 f "‘~.'/*‘ "< "" “ ;~4mvm'~b Loan Origination Organization: JPMorgan Chase Bank, NA. NMLS ID: 399798 Loan Originator: Trevor Tharp NMLS ID: 119552 1483131 910 3040 1101 (rev. RHODE ISLANDSInslu Family-Fannle Mae/Fmddie Mac UNIFORM INSTRUMENT mForrn 11/024) VMP® LPagu 17 of 17 Walters vaar Finandal Services 2015072014. 2.0. 2944-J20140828Y Initial. H Hill] illllllflllllllfllllHI!lJllfllflmliflslfllflmlfl NIHIJIUHHHHHIIIIIIHJHIUIHill” ll P45? 9/5/201 8 9:1 7 AM INFORMATION REDACTED IS CONFIDENTIAL Burrowe’rfs} Identification Statement I William E. Paplauskas Jr. the underSigned Notary Public commissioned m and by the State of Rhoda Island, on made a visual inspection of the borrower(s) Federal and/or State photo identification w ich a‘é urther referenced below. 'Jhe document appears to be genuine and the photograph on the document appears to be that of the Individual(s) named. It appears that the name on the identification documentWmatches the name on the loan decuments. It appears that each borrower looks like his/her photographic image and it also appears that each signature matches the signature on‘ the loan decuments. This information and copy was obtained at the requeSt of the Lender, Mortgage Broker, 'fitle Company and/or Signing Company and has been attached to this document. ”me hcrrower(s) identification was presented and the information was recorded as follows: . Borrower/Owner [Signer (1) Na'Me: 4/1flCMé E mar xgmklct Type of ID: Dr‘rver’s License ____—____.Date of Birth— ‘ Issuing Staet andAgency. RIDMV Address on ID machegt Pro pme AddresszYes ___NQ§/ Date Issued: g} \i‘SESI W Exprration Date: & 7’2]ng 9 Address on ID does not match Property Address. Se address below: a \xeo Samar. §l baa-zgaa “VA mew e 22m" Bonower/Owner/Signer (1) Signature: k fB, Borrower]0wnerl$igner(2) Name: erffwt Maj,” wsffif Type 0f ID: Driver‘s License #—___Date of Birth :— Issuing State and Agency: RIDMV Address on ID matches Pronertv Address: Yes Date Issued: Ow 1? J“) 9'1 KP Expirationnate: $ #272591 ‘i Address on ID does not match Property Address. See address below: QB hands; $a~ R’vF 1 Vflf‘. gaxkk’ {\f‘vfit @Z’Zi 19 B (2 Signature: m4 /\:we7r/Signer Nowtysteal /4 I / ./ Notary Public fl Liz“? , . 191K154: ta: Lr-Lz: 57-. 253 z wnnam E Paplauskas Jr. Mutue i; I J , state r. Dime island Ff l'IU‘th’ nlii.-520f}5 Ii' D L251?" CDT”).'if; L, ,F..11 33-3 j f3: s. 2mg '1.) _ _\_ _._I P46- W 9/5/2018 9:17AM wqezialmv ‘ BBC: 133001755 Bk: 1546 P3: Return To: Cha Records Center Attn: Collateral Tr fling Documents RE: MC 8000, 700 nsas Lane - Monroe LA 7 1203 Prepared By: Krista Whitehair 1111 Polaris Parkway Columbus, OH 43240 a ?pcxcaww Chlcago Tma SawiceLtnk Division 4000 Industrial Blvd Aliquippa, PA 15001 Mortgage Definitions. Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage ofwords used in this document are also provided in Section 16. (A) ”Securigrfnstrument "means this document, which is dated July 21, 2015, together with all Riders to this document. "Borrower" (B) is VINCENT MAJEWSKI AND RBBECCA MAJEWSKI, Husband and Wife . Borrower is the mortgagor under this Security Instrument. (C) “Lender" is JPMorgan Chase Bank, NA. Lender is a National Banking Association organized and existing under the laws of the United States. Lender‘s address is 1111 Polaris Parkway, Floor 4i, Columbus, OH 43240 . Lender is the mortgagee under this Security Instrument. (D) "NoIe" means the promissory note signed byBorrowar and dated July 21, 2015. The Note states thatBon-ower OWes Lender four hun dred twenty six thousand four hundred and 00/1 00 Dollars (U.S. 1453131910 RHODE lSLAND—Single Family-Fannlo MaalFreddie Mac UNIFORM INSTRUMENT 3040 1/01 (rev. Fame 101402) VMPG , I41 Woilars Kluwer finanu'al Services 201507201A.2.0.2944-Jz0140528Y , lnifiaIsV_____fl\Puga 1 of 17 11111111111111 11111111111111111111 1 11111111 111111111111111111111111111111111111111111111111 1111 P47 - 9/5/2018" 9'51'7 AM 003131755 93c: ‘0 Bk: 1546 P93 '3'” $426,400.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2030. (E) ”Property" means the property that is described below under the heading "Transfer ofRights in the PrOperty." ” (F) ”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 Instmment, plus interest. ” (G) "Riders means all Riders to this Security Instrument thatare executed by Borrower. The following Riders are to be executed by Bonower [check box as applicable]: El Adjustable Rate Rider D Condominium Rider El Sec0nd Home Rider B Balloon Rider D Planned UnitDeveIOpmentRider D 1-4 Family Rider U VA Rider D Biweekly Payment Rider D Other(s) [Specify] ” (H) "Applicable Law means all controlling applicablefederal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, nOn-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Bonower or the Property by a condominium association, homeOWners association or similar organization. (J) "Electmm'c Funds Tzansfer" means any transfer of funds, other than a transaction Originated by check, draft, or similarpaper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authofize a financial 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. (K) ”Escrow Items" means those items that are described in Section 3. (L) ”Mscellaneous Proceeds” means any compensation, settlement, award ofdamages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Preperty; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Pr0perty. (M) "Mortgage insurance." means insurance protecting Lender against the nonpayment of, or default on, the Loan. ” ‘YDerioa'ic (N) Payment means the regularly scheduled amount due for (i) principal and interestunder the Note, plus (ii) any amounts under Section 3 ofthis Security Instrument. " (O) "RESPA means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject 1433131910 RHODE lSLAND-Slngle Fomily-Fannla MaelFreddlo Mac UNIFORM NSTRUMENT 3040 1/01 (rev. VMPQ Foer. 13524) Walters Kluwar finandar Services 2015072014 2.0. 29444201408st lnibals:__—..M'Pagn 2 o! 17 Ulllllllllllllll”lllllllllll ll ill llllHill lilllllllllllill! Ill Hill P48 9/57261 8 9:1 7 AM DDS: 13813131755 Bk: 15% F‘s?- matter. As used in this Security Instrument, RESPA refers t0 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. (P) ”Successor in Interest ofBorrower" means any party that has taken title to the Property, Whether or not that party has assumed Borrower’s obligations under the Note and/or this Security Instrument. Transfer of Rig hts in the Property. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with Mortgage Covenants upon the Statutory Condition and With the Statutory Power of Sale, the following described property located in the COUNTY [Type ofRecording Jurisdiction] of Newport [Name ofRecording JurisdictiOn]: See Attached Parcel 1D Number: 403-1 67-000 which currently has the address of 528 NANAQUAKET RD [Street] TIVERTON [City], Rhode Island 02878 [Zip Code] ("PrOperty Address"): TOGETHER WITH all the improvements now or hereafter erected on theproperty, and all easements, appurtenances, and fixtures now or hereafier a part of the property. All replacements and additiOns shall ' also be covered by this Security Instrument. A11 of the foregoing is referred to 1n this Security Instrument " as the "Property. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encur'nbtances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances ofrecord. THIS SECURITY JNSTRUMENT combines uniform covenants for national use and non—uniform covenants With limited variations byjurisdiction to constitute a unifonn 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 ofi and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under theNote. 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 U.S. currency. However, ifany check or other instrument received by Lender as payment under the Note or this Security Instrument is retumed to Lender unpaid, Lender may require that any or all subsequent r payments due under the Note and this Secun'ty Instrument be made in one ormore of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified ch eck, bank check, treasurefls 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 (d) 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 insufficient to bring the Loan current Lender may accept any payment 0r partial payment insufficient to bring the 1453131910 RHODE ISLAN D-Single Famdy-Fennia MaelFmddia Mac UNIFORM INSTRUMENT Form 3040 1101 (rev. 11:02) VMP® ky/n Initials: E [M ‘Page 3 o! 1T mummmItiltitliltitltn IIIIIIIIIIIIIIIII III IIIII P49 9/5/201 8 9:1 7 AM DOC: 1331331755 Bk: le‘é PS: 413 Loan current, Withoutwaiver ofany rights hereunder or prejudice to its rights to refiJse 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 bn'ng the Loan current. IfBorrower does not do so Within a reasonable period oftime, Lender shall either apply such funds or return them to Borrower. Ifnot applied earlier, such fimds 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 ofprion’ty: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under SectiOn 3. Such payments shall be applied to each Periodic Payment in the order'1n which it became due Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. IfLender receives apayment fiom Borrower for a delinquent Periodic Paymentwhich includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. Ifmore than one Periodic Payment is outstanding, Lender may apply any paymentreceived from Borrower to the repayment ofthe Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists afier the payment is applied to the full payment ofOne or more Periodic Payments, such excess may be applied to any late charges due. Voluntaiy prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application ofpayments, 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 provide for payment ofamounts due for: (a) taxes and assessments and other items which can attain priOi-ity over this Security Instrument as a lien or encumbrance on the PrOperty; (b) leasehold payments or ground rents on the Pieperty, ifany; (c) premiums for any and a1] insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower t0 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 time during the term of the Loan, Lender require that Community any may , AssociatiOn Dues, Fees, and Assessments, ifany, be escrowed by Borrower, and such dueS, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish t0 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 ofFunds has been Waived by Lender and, ifLender requires, shall mmish to Lender receipts evidencing such payment within such time period as Lender 1483131910 RHODE ISLANDsingle Family.Fannie Mae/Freddie Mac UNIFORM iNSl‘RUMENT Form 3040 1/01 (rev 101/02) VMP® ””1 {014 Wolters Khmer Financial Sewices 2015072014.20.2944420?40825Y Initials. Laws Pogo 4 o! 17 HillllllllllllllllllllllIll" Hill iii”!Hill”Hill" ll llllllllllllllllllll “Hill” 9/5/201 8 9:1 7 AM DEC: 8013331755 Bk: 1546 F's: 41 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 agreement“ is used in Section 9. IfBorrowar 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 (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) 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, ifLender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified 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 1n 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 ofFunds held in escrow, asdefined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. Ifthere is a shortage ofFunds held in escrow, as defined 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 monthly payments. If there is a deficiency ofFunds held in escrow, as defined under RESPA, Lender shall notify Bouower as required by RESPA, and BOrrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in fiall 0f a1] sums secured by this Security Instrument, Lender shall promptly refiJnd to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents 0n the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment ofthe obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) centests the lien in good faith by, or defends against enforcement 0f the lien in, legal proceedings which in Lender's opinion operate 1463131910 RHODE lSLANDSLngto Family Fannie MaelFreddio Mac UNIFORM INSTRUMENT Form 3040 1101 (rev. 1tl02) VMP® I lnllials. [cm MPage 5 nf 17 lmmlllIllllilllllilI Ill” 11111111111111111111111111111111111111111111 P51 9/5/201 8 9:1 7 AM DEC: 001391755 Bk: 1546 P95 to prevent the enforcement ofthe lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder ofthe lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. IfLender 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 ferth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification 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 fire, haZards included within the term "extended coverage," and any other hazards including, but not limited to, eatthquakes and floods, 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 pmSuant to the preceding sentences can change during the term ofthe Loan. The insurance carrierproviding the insurance shall be chosen by Borrovver subjectto Lender's right to disapprove Borrower’s choice, which right shall not be exercised unreasonably. Lender may require Borrower topay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one—time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changesoccur which reasonably might afi‘ect such determination or certification. 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 flood zone determination resulting from an objection by Borrower. IfBozrower fails to maintain any ofthe coverages described above, Len der 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 mightprovide greater or lesser coverage than was previously in efiect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost ofinsurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt ofBorrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fiom 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 ofsuch 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 shaI] have the n'ght to hold the policies and renewal certificates. IfLender requires, Borrower shall promptly 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 0f, the Preperty, 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 promptnotice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in Writing, any insurance proceeds, Whether or not the underlying insurance was required by Lender, shall 1463131910 RHODE lSLAND-Single Fumily.Fannie MaalFraddia Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11l02) VMP® ‘ Wailers Kluwer Finanu'nl Services 2015072014.2.0294442Dt40528Y InifialsM Pugu 6 or 1 7 Hllllllll Ill lllllfllllll llllllllll Ill UH ml 11ml“!llllllllllllllllllllfll P52 9/5/201 8 9:1 7 AM DOC: 013001755 Bk: 1546 P33 be applied to restoration or repair of the Preperty, if the restoration or repair 1's economically feasible and Lender's security 1's 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 promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series ofprogress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid 0n such insurance proceeds, Lender shall notbe 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 ofBorrower. If the restoratiOn or repair 1's 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 Pr0perty, Lender may file, negotiate and settle any available insurance claim and related matters. IfBorrower does not respond within 30 days to a notice fiom Lender thatthe insurance carrier has ofi'ered 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 ifLender acquires the Property under Section 22 or otherwise, Borrowar hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Bertower's rights (other than the right to any refund of unearned'premiums paid by Borrower) under all insurance policies covering the Pr0perty, 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 Pr0perty as Borrower's principal residence within 60 days after the execution ofthis Security Instrument and shall continue to occupy the Preperty as Borrower's principal residence for at least one year afier the date ofoccupancy, 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 fiom deteriorating or decreasing in value due to its condition. Unless it is detennined pursuant t0 Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Pr0perty 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 ifLender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series ofprogress payments as the work is completed. If the insurance or condemnation proceeds are not suficient to repair or restore the Property, Borrower is not relieved ofBOIrOWer‘s obligation for the completion of such repair or restoration. 1463131910 RHooE ISLAND Singte Femuy- Fannie Mae/mddia Mac UNIFORM INSTRUMENT 3040 1/01 (rev. VFann 1015124) VMP® Wollsrs Kluwer Financial Sewlcas 2015072014. 2.0. 294134201408st InlllalsL—gfl.-Puse 7 o! 17 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIWm! NIH NHHH IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII 9/572018 9:17AM DUCE 083131755 Bk: 1546 PB: éé Lender or its agent may make reasonable entries up0n and insPections ofthe Property. Ifit has reasonable cause, Lender may inSpect the interior of the improvements on the Property. Lender shall give Borrower notice at the time ofor 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 persoas or entities acting at the direction of Borrower 0r with Borrowefs 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 Bouower's occupancy of the Property as Borrower‘s pn'ncipal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) BOIrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly afl‘ectLendeI’s interest ih the Property and/orrights under this Securitylnstrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument 0r to enforce laws or regulations), or (c) 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. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Secun'tylnstrument; (b) appearing in court; and (c) paying reasonable attomeys‘ fees to protect its interest in the Pmperty 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 Preperty to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations 0r dangerous conditions, and have utilities turned on or ofl‘. 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 ofBorrower secured by this Secun'ty Instrument. These amounts shall bear interest at the Note rate from the date ofdisbmsement 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 aII the provisiOns of the lease. IfBorrower acquires fee title to the Property, the leaseho ld 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 ofmakjng the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in efi‘ect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from 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 efi‘ect, at a cost substantially equivalent to the cost t0 Borrower of the Mortgage Insurance previously in efi‘ect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance 00verage is not available, Borrower shall continue to pay to Lender the amount of the separately designated 1463131910 RHODE ISLAND-Singie Famiiy--Fannie MaolFraddlo MacUNiFORM INSTRUMENT Form 3040 1101 (my. 11/02) VMP® 808 2015072014 2.0.2944420140828Y inifialsm Pane 01/17 lllllllllJlllliJliiH Hill”!Ill Jill JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJ P54 9/5/201 8 931'7 AM Sac: 00001755 Bk: 1546 99: 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 ofMortgage 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 loss 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. IfLender required Mortgage Insutance 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 accordancewith any written agreement between Borrower and Lender providing f0r 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 (0r any entity that purchases the Note) for certain losses it may incur ifBorrower does not repay the Loan as agreed. Bonower 1's not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all Such insurance in force fiom time to time, and may enter into agreements with other parties that share ormodify their n'sk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (0r 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 funds obtained from Mortgage Insurance premiums). As a result 0f these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion ofBorrower's payments for Mongage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share ofthe premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (A) Any such agreements will not affect the amounts th at Borrowver has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Berrmver will owe for Mortgage Insurance, and they will not entitle Borrower t0 any refund. (B) Any such agreements will not affect the rights BorrOWer has - if any - with respect to the Mortgage Insurance under the Homemvners 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. 1463131810 RHODE lSLANDSIngle Fam'ly--annla MaelFthdTa Mal: UNIFORM INSTRUMENT Form 3040 1/01 (row. 11/02) VMP® 05/14 Walters Kluwer Finandal Services 2015072014. 2 0. 2944420140828YD14 lnlfialsfli.MP3!” 9 of 17 HIM”MINWIIINUNHJHHW JWH ll HIM”)!UmWWW]!!!HI!NW P555 9/5/201 8 9:1 7 AM 0003 [30081755 8k: 1546 P33 46 If the Pr0perty 1's damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restorafion or repair is economically feasible and Lendefs 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 Preperty to ensure the work has been completed to Lendet’s satisfaction, provided that such inspectiOn shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series ofprogress 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, ifany, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event ofa 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 ofa partial taking, destructiOn, or loss in value of theProperty 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 0fthe Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taldng, destruction, 0r loss in Value divided by (b) 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 m value ofthe Property'1n which the fair market value of the PrOperty immediately before the partial taking, destruction, or loss 1n value'is less than the amount ofthe sums secured immediately before the partial taking, destruction, or loss'1n Value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Inshument whether or not the sums are then due. If the PrOperty is abandoned by Borrower, or i£ afier notice by Lender to Borrower that the Opposing Party (as defined 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 oftheProperty 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 Bouower 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 0f the Property or other material impairment 0f Lender's interest in the Preperty 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 Lenders judgment, precludes forfeiture of the PrOperty or other material impairment ofLendei’s interest in the Property or tights under this Secun’ty Instrument. The proceeds of 1453131910 RHODE ISLAND-Single Family Fannie MaelFmddto Mm: UNIFORM INSTRUMENT Fauna3040 1/01 (rev. VMP® 10153 2015072014. 2.0. 2944420140828Y lnilials..__—.L Page 10 DI 17 1111111111mm Mu W" W P56 9/5/201 8 9:1'7'AM DUE? 1301301755 Bk? 1546 F's: 47 any award or claim for damages that are attributable to the impairment ofLender's interest in the Property are hereby assigned and shall be paid to Lender. A11 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 a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest ofBorrower shall not operate to release the liability of Bonower or any Successors in Interest ofBorrower. Lender shall not be required to commence proceedings against any Successor in Interest ofBorrower 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 on’ginal Borrowar or any Successors in Interest ofBorrower. Any forbearance by Lender in exercising any right or remedy including, without Iimitafion, Lendex’s acceptance ofpayments fiom third persons, entities or Successors in Interest ofBorrower 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 liability shall bejoint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co—signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Preperty under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees thatLender and any otherBOrrower can agree to extend, modify, forbear or make any accommodations With regard t0 the tenns ofthis Security Instrument or the Note without the co—signer‘s consent. Subject to the provisions of Section 18, any Successor in Interest ofBorIOWer Who assumes Borrower‘s obligations under this Security Instrument in wri ting, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall notbe released fiom 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 benefit the successors and assigns ofLender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection With Borrower's default, for the purpose of protecting Lender's intere'st in the Preperty 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 Specific 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 finally interpreted so that the interest or other loan charges collected 0r to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected fiom 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 “$131910 ISLANDSingla Famiy-Fannio MaolFraddia Moe UNIFORM INSTRUMENT otm 3040 1/01 (rev. RHODE 101g?) VMP® . 14 ‘ Wolters Kimerfinandatsmms 2015072014.203944420140325? Initials 1/ g M‘Puse 11 o! 17 Ill‘llll llllllllllll ll! Ill! HUM} llllll ll! m illlllmllllMlllflllllllll lllllllll O P57 9/5/201 8 9:1 7 AM DEC: IJUUBNSE: Biz: 1546 P5: 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. 1 5. Notices. All notices given by Borrower or Lender in connection With this Secun'ty Instrument must be in writing. Any notice t0 BorroWer in connection with this Security Inshument shall be deemed to hava been given to Borrower when mailed by first class mail or when actually delivered to Borrowar's notice address ifsent 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 promptly notify Lender ofBorrowel’s change of address. IfLender Specifies a procedure for reporting Borrowefs change ofaddress, then Borrower shall Only report a change ofaddress through that Specified 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 first class mail to Lender's address stated hereinunless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed t0 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 Co nstruction. This Security Instrument shall be govemed 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 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 COnflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may” gives sole discretion without any obligation to take any action. 17. Borrower’s Copy. Borrower shall be given one copy ofthe Note and ofthis Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Preperty" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, c0ntract for deed, installment sales contract or escrow agreement, the intent ofwhich is the transfer of title by Borrower at a future date to a purchaser. If all or any pan of the Property or any Interest in the Preperty is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lendet’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 1463131910 RHODE ISLANDSingie Femin-Fannis Mae/Freddio Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11/02) M V {n 08/1 d Means 12 ot 17 ‘“ lmunmmIrlllillli l l rill mulllmlmummululu" LWV P58 9/5/201 8 9:1 7 AM DOC: 130001755 Bk: 1546 P93 IfLender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period ofnot less than 3O days from the date the notice is given in accordance with Section 15 within which Bonower must pay ail sums secured by this Security Insfiument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pennitted by this Security Instrument Without further notice or demand on BorroWer. . 19. Borrower's Right to Reinstate After Acceleration IfBozrower meets certain conditions, Borrowar shall have the right to have enforcement 0f this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale c0ntained in this Security Instrument; (b) such other period as Applicable Law might Specify for the termination ofBOIIOWer’s right to reinstate; or (c) entiy of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums Which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attomeys' fees, property inspection and valuation fees, and other fees incurred for the purpose ofprotecting Lender's interest in the PrOperty and rights under this Security Instrument; and (d) 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 secured by this Security Instrument, shall continue unchanged. Lendermay require thatBorrower pay such reinstatement sumsand expenses in one or m‘Ore of the following fonns, as selected by Lender: (a) cash; (b) money order; (c) certified 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 (d) 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 n'ght to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale ofNote; Change of Loan Servicer; Notice of Grievance. The Note ora 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 perfonns other mortgage loan servicing obligations under the Note, this Security Instnlment, and Applicable Law. There also might be one or more changes ofthe 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 infomation RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and th ereafter the Loan is serviced by a Loan Servicer other than the purchaser of theNote, 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 pur'chaser 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 fiom the other party’s actions pursuant to this Security Instrument or th at alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Bozrower or Lender has notified the other party (with such notice given in compliance With therequirements ofSection 15) ofsuch alleged breach and afi‘orded the other party hereto a reasonable period after the giving of such notice to take corrective action. If 1463131910 RHODE lSLAND—Single Family-Fannie MaelFradu'ia Mac UNIFORM INSTRUMENT Form 3040 1/01 (mv 101KB) VMP® ' Walters Kluwer Financial Services 2015072014. 2.02944420140528Y Initials: M'Pagaflaifi Hlliiilllllilii Hi i lilliiillNH”! HI iii iWillillllliiiWilli”!!! x. P59 9/5/201 8 9:1 7 AM DOCS 00001755 Bk: 1546 F's: 5!) Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to. be reas0nable for purposes ofthis paragraph. The notice of acceleration and opportunity to cure giVen to BOHOWer 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 0f this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or haZardous substances, pollutants, or Wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile SOIVents, materials containing asbestos 0r formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and Jaws of thejurisdiction Where the Property is located I that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any respOnSe action, remedial action, or removal action, as defined'm Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup Borrovver shall not cause or permit the presence, use, disposal, storage, or release ofany Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrowar shall not do, nor allow anyone else to do, anything afi‘ecting the Property (a) that is in violation ofany Environmental Law, (b) Which creates an Environmental Condition, or (c) Which, due to the presence, use, or release of a Hazardous Substance, creates a conditiOn that adversely afi‘ects the value of the Propelty. The preceding two sentences shall not apply to the presence, use, or storage 0n the Property ofsmafl quantities of Hazardous Substances that are generally recognized to be appropriate t0 normal residential uses and to maintenance of the Property (inctuding, but not limited to, haZardous substances in consumer prOductS). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit 0r other action by any governmental or regulatory agency or priVate party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to any spilling, leaking, discharge, release or threat ofrelease ofany Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance Which adversely afi‘ects the value ofthe Pr0perty IfBorrower learns, or is notified by any governmental 01' regulatory authority, or any private party, that any removal or other remediation ofany Hazardous Substance afi‘ecting the Property is necessary, Boz-IOWer shall promptly take alI necessary remedial actions in accordance With Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. Non-Uniform Covena nts. 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: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified 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 1463131910 RHOOE ISLANDSIngle Fumily-Fannle MaelFraddis Mac UNIFORM INSTRUMENT Fame3040 1/01 (rev. 10mm VMP® 14° Walters Kluwer financial Services 2015072014 2. 0 2944420140828Y lnitials___._.MPage or 17 I HIHINIUIWIJIIHNIWI NH “ill“ W HIIIII III IIIIII IIIIIIIIIIIIIIIIIIIIIIIIIIII P60 9/5/201 8 9:1 7 AM DOC: 013001755 Bk: 1546 F's: 51 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 1's 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 STATUTORY POWER 0F 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 STATUTORY POWER 0F SALE, Lender shall mail a copy of a notice of sale to Borrower as provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses 0f the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument shall become null and void. Lender shall discharge this Security Instrum6nt. Borrower shall pay any recordation costs. Lender may charge Bonower 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. No Outstanding Automatic Orders in Domestic Relations Cases. Borrower hereby represents and warrants to Lender that either (a) there is no outstanding automatic order under Chapter 15—5 of the Rhode Island General Laws against any Borrower relating to a complaint for dissolutiOn of marriage, legal separation, annulment, custody or visitatiOn or (b) there is an outstanding automatic order under Chapter 15—5 of the Rhode Island General Laws against a Borrower relating to a complaint for dissolution ofmarriage, legal separation, annulment, custody or visitation, and the other party that is subject to such order has consented to, or the court which issued the automatic order has issued another order authorizing, such Bon'ower's execution of the Note and this Security Instrument. 25. Homestead Estate. IfBorrower heretofore has acquired or hereafter acquires an estate ofhomestead in the PrOperty, Borrower hereby agrees that such homestead estate is waived to the extent ofthis Security Instrument and the amount due under the Note and to the extent of all renewals, extensions and modifications ofthis Security Instrument or the Note, and that said homestead estate is subject to all of the rights ofLender under this Security Instrument and the Note and all renewals, extensions and modifications of this Security Instrument and the Note, and is subordinate to the lien evidenced by this Secun'ty Instrument, and all renewals, extensions and modifications of this Security Instrument. Furthermore, Bon-OWer hereby waives the benefits of any homestead or similar laws of regulations that may otherwise be applicable fiom time to time. 1463131910 ISLAND-SIngie Family-Fannia RHoDE Mae/Fmdma Mac UNIFORM INSTRUMENT Fonn 30321101 (row VMP® 138/?124) h ~ r Wallets Kluwur Financial Services 201507201420294442014082M initials Vm g ‘Puna 15 ol 17 “Ill!!! ll llllllllllllllill] H ll Ill" i l ll Tl ll” mil ll UH!“ Jill P61 9/5/201 8 9:1 7 AM DUC: 801301755 Bk‘u‘ 1546 P92 52 BY SIGNING BELOW, Bouower ac cepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Bonower and recorded with it. Borrower ’ VINCENT MAJEWSKI Date Seal ” ’1 /L {z} hf ' REBECCA MAJEWSKI * Date ~ *Nan-Applicant Title Holder Seal 453 3 1/01’(mv.111119012§ rmooe nsmuosmgue Famin-Funnzo Mae/qume Mac ummm INSTRUMENT Form aoao VMP® MI”? r 0am Q‘M ' Page 15 0f 1T Wailers Kluwgr Financial Services 2015072014292944420140828Y Inillals: HININIMNIHNIN I MINI!“ NW WWWWWIWIJllWIN"WWW l Wm m 9/5/201 8 9:1 7 AM 8003 9331301755 Bk: 1546 Psi? Acknowledgment State of Rhode Island County of Newport \ Q ‘ before me personally appeared 0:3 , in said County, M) ?\CQWT m {\\ €90 QK: ?GBCCQ (A? m ($3 ewa KI each and all to e kno n d known to me to be the person(s) executing the foregoing instrument and ac owledge said e ecu 'on to be s/her/the ee act and deed. /'“ v ofaWPublic ,.. My commission eW/ 3 (seal) WV“'\ -. .~ - Wig.)(%,3' M. VJ‘J- __ -.. . v E WILLIAM PAPLAUSKAS JR. MAS Notary Pubilc Siate of ni 3:13 lama Noiary f0;'5 52085 My Commispion Dxpjres Sep G, 2015 m a'. "— -—"'\"‘_ ."\..‘\.’\) Loan Origination Organization: IPMorgan Chase Bank, N.A. NMLS ID: 399798 Loan Originator: Trevor Tharp NMLS ID: 119552 1463 131910 , Mac UNIFORM INSTRUMENT Farm 3040 1101 (rev. RHODE ISLAND-Singln Famfly-Fannla MaelFraddia 1018/2124) VMPQ 41 ' Initial Page 17 o! 17 worms Khmer Finana‘a) services 205072014102944d20140828Y m1. Hmlflllllllll ll!!! IN” HI!" ll (HIMHIITIUWWHW HUI! lllllllllmlmllmll NHWHIH 79/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJ EWSK! and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKl-POOLER ADDRESS: 528 NANAQUAKEI‘ RD TIVERTON RI 02878 All terms of the sales agreement haVe been met or waived to the satisfaction of the Buyer and Seller for the above- mentloned property. TEX. assessment, 8nd bond prorafions shall be based on the last Known bill or upon the tax assessor’s latest valuaflon and the cunant tax or assessment rate, and shall be prorated at the time of closing. If it i5 common practice andlor local custom to haVO no prorafions at the closing, there shall be no prorations. There win be no re—prorafion or readjustment oftaxas based on actual statements after the date of closing. The seher represents that it has no knowledge, actuei or constructive, es whether or not a homestead exemption applies to the property. This paragraph shall supersede and ovem’ds any othér clauses or statements in this agreement that concern taxes, assessments or bonds. // 7M: ' VINCENT MAJEWSKIW Date EARL POOLER Date 5' .. m/V 7PM I I '_. REB/ECEA MAJEWSKI Date NINA SZULEWSKI-Poo LER Date s su SC {B THIS Ii DMD: jfyAN thcm‘f m qfwgrij—T— /NMARYPUBW F(Qflemr mmkcwgkgaz MYCOMMISSiON RES. Q]W205” . \VAH1AA“? “fiak‘kkg . '~-.- ' xANfiNJAW/W N13; WlLLlAM E. PAPLAUSKAS J8. . Notary Pubfic State (J? Rhode' Island Notary h) # 520385 Migmmisslon Ex Eras c B 2015 51qung ‘ ..-/‘/'.. ~ 9/5/201 8 9:1 7 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKLPOOLER ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 Alt terms of the sales agreement have been met or waived to the satisfaction of the Buyer and Seller for the above— mentioned property x Tax, assessment, and bond prorations shall be based on the last known bill or upon ttie tax assessor's latest valuation and the current tax or assessment rate, and shat: be prorated at the time of closing. If; it is common practice andlor local custom to have no prorations at the closing, there shall be no prorations‘ :There will be ho re—proration or readjustment of taxes based on actual statements after the date of closing. The seller; represents that it has no knowledge, actual or constructive, as Whether or not a homestead exemption applies f0 the property. This paraglapn shaft supersede and ovem'de any other clauses or statements in this agreement that concem faxes assessmmts or bonds. , // gem 7M: < 7/” 624 Date - VINCENT MAJEWSKI Date EARL POOLER __ 7W”? (4% 4/55””? REB/ECCA MAJEWSKI ‘ Date NINA szULEW I-POOLER D'ate This Q lg; ‘DAYOE‘A 2011; \J‘ «emf m Adwslfl NcARYPUBW Qcfigflem M&eWuz: O““15 MYCOMMJSSIONE RES;- gla—Qfin ‘ khg‘m \(UA‘ 1 14AM; ”CE fix»! WILLIAM E. PAPLAUSKAS JR. Notary Public Siam 01 Rhoda Island Notary ID £6 52085 My Commission11W“Expires Sap 8 2015 i1. P55 ,/9/5/201 8 9:1 7 AM NA. LENDER: JPMorgim Chasc Bank. LOAN#: [463 131 91 O RD, TiVERTON, RI 02.873 PROPERTY ADDRESS: .523 NANAQUAKET SIGNATURE CERTIFI CATION/AFFIDAVIT TRUE AND AS FOLLOWS. THIS IS MY MAJEW SKI, DO SIGN MY NAME THAT I, VINCENT I HEREBY CERTIFY . -. . flbglp ACCU TE SIGNATURE: zrfl“) ‘ WILLIAM E. PAPLAUSKAS JR. sNotary Public Stan of Rhone island Notary ti) # 52085 BORRO R My Commission Expires Sap B, 2m 5 - fififi . ..,. . F" \ AM vbyzym Sam (KEN LL of County New . “37¢; . thismw guy r ”r. (3w) W‘“«‘~r -' My Cmnmisaion Bxpir z BORROWER THE ABOVE CAPTIONED REVXEWBD THE S$GNATURE ON OUR FXLB AS CERTIFY THAT } HAVE DOCUMENTS WITHIN THIS IS TO SIGNED HISIHER NAME ON ALL AND HE/SHE HAS CONSISTENTLY HB/SHB DID ON THE NOTE. ”I‘M: Lender Reprcscnmtivc ...... NANIE AFFIDAVIT required. Complete ifAKA (also known as) is THAT; g”; Q61 THIS Is r0 CERTIFY M11, mAD Mfl c THIS W15 kt ARE ONE AND THE SAME PERSON. 01L E A FIRST MORTGAGE ‘5‘ CC DOCUMENTS TO OBTAIN l/l (I M&flN CONNECTION WITH NAME API—IDAVIT IS COMPIEY LOAN 0N TEE SUBIECI‘ PROPERTY. each name sppwrs. Pleas sf Wis}! — B v MGM m h ”MAL”BORROWER: MMCWYLE' ”xgjgwsu‘ BORROWER: Stare of k0 County of M Sworn and Subscn‘ ublic ‘” New ‘ (Seal) ?_Jipgtr‘ My Conn mfixfifi Notary Public State of Rhoda Isiand Notary m 9': 52085 Commission Expltes Sap 8. 2015 My "'T’xi‘" --f "w -\ N Wv v nahanm ~ mg. 1 nf 1 GIGNPCNRQNALEAFFIDAVIT 07609Ufilfifumnsit—msmmc-ms 13196) 291607201un1W4‘ W57.“ “NWWINW“WWW“WWWi|\\|\\‘|\\ll\\“WNHW 9/5/201 8 9:17 AM LENDER: JPMorgan Chase Bank. NA. LOANfi: 1463 13 1910 02878 PROPERTY ADDRESS: 528 NANAQUAKET RD, TIVBRTON. RI SIGNATURE CERTIFICATIONIAFFIDAVIT TRUE SIGN MY NAME As FOLLOWS. THIS Is MY I, REBECCA MAJEWSKJ , D0 I HEREBY CERTIFY THAT .. AND ACCURATE SIGNATURE; WILLIAM E. PAr-‘LAUSKAS JR. Notary Pubtic $ State of Rhoda Island Notarle 97 52065 a BORR My Commission Expires Sep 8, 2015 . g‘ State of wfik County of N >M75‘ ‘ of s i0 giventhighfia—ny \A/ Sworn rand Subsc 14w (Sea!) wk \‘Me: mi», My Commission EXpires: BORROWER REVIEWED T E SIGNATURE ON Tm ABOVE CAPTIONED THIS IS TO CERTIFY THAT I HAVE WITHIN OUR FILE AS SIGNED HIS/HBR NAME ON ALL DOCUMENTS AND HE/SI-IE HAS CONSISTENTLY I-E/SHE DID ON THE NOTE. Lender Representative 'Iiflc ...... - NAM AFFIDAVIT required. Complete if AKA (also known as) is THISBTOCER’HPVTHAT. R3535“ W180i”; , Rabeccix L. Kmsgvlo . ) THIS r—n‘ ONE AND me SAME PERSON. L‘ Mam: s ARE 55 eremk DOCUMENTS TO OBTAYN A FIRST MORTGAGE WITH NAME AFFIDAVIT IS COMPLETED IN CONNECTION LOAN ON THE SUBJECT PROPBRW name appears. PWWW‘- / Majéwflf m/fiuymm Helm” mse Bofikd'film gamma L: m / ,4/4 ‘ BQfiRéWBR' 8W6 State of Q. . I *‘ of County ) ?¢l J 12%}, Of Um}, Swmn and Sub Pub . my W ’fi 'A (Seal) , m . er My ‘onA},issicm ExPires: ~~~ A. WILLIAM E.mFAPLAUSKAS JR, Notary Public Stale of Rhoda Islam: i? _ Notify ID 52065 MY commiss rm EL {re S h - -- -.~-.~-- I gm n 1W1m marwunwa AFHMVIT of 1 B 1:195] Pm 1 6-7038 ((2/97) (raghon 0-7035 #37 away ‘iiiuiil’lilfiii’iufiitiiifiiiilllmunu{Mmmmmmfliflmmmuummu‘ummumnu mum» 9/5/2018 9:17AM MORMATION REDACTED IS CONFIDENTIAL Borrowermj Edentlflcat‘ion figmmgnt IWiHiam E. Rania usk Jr. the undersigfied Notary Public commissioned In and by the State of “'2 Y“ Rhoda Island, on Cli ?Et made a visual. inspection of the borrower(s) Federal and/or sate photo identiflmfion w ich i Z urther referenced below. The document appears to be genuine and the photograph on the document appears to be that of the individual(s) named. It appears that the name on the identification document matches the name on the loan documents. It appears that each barrower looks like his/her photographic image and ft also appears that each signature matches the signature on the loan documents. This information and copy was obtained at the request of the Lender, Mortgage Broker, Tntle Company and/or Slgning Company and has been attached to this dacument. The borrowerCs) identification was presented and the infor‘matlan was recorded as follows: - ,4“ a Barrower/Owner [Signer (1) Name: 414;? CMIL E MGQQMMCL . Type of ID: Driver’s License of Birth: Euae I ‘ Issuing State and Agency: RIDMV 1&ng on ID matches Prgpggx Address: Yes N Date Issued: 91h! gfil W Expiration Date: 8v? )1;pr 3’ Address on ID does not match Property Address. Se§address below: \190 ’Sl‘vxfi'v; Q. Mfwm—t m1“? glyw *- 2’20)” BormWer/OwnerISigner (1) Signature: l k féfid—fia Borrowerfowner/e‘uigner(2) Name: QJQFIIR MQJMSFA" Type of ID: Driver’s License #-_iDate of Birth:— .DMV - Issuing State and AgenCy: Addr ID matches Pro e dress: Yes 4N0 5 ' Date Issued: C21 ‘7” Expiratien Date: \‘Ulfiz” E2 >Q1 r l jg i Addresé on ID does Lot Latch. Property Address. See address below: Ox? (lar‘xglfl-éu- S’g‘ IVflL MU l ff QGéme (\‘N‘lr £29 2‘2. L29 x B mweyr/Siggflmm 779/L h //\ \r ?%é % Noso'Sea/ Notary Pubnc / g .5 (mhmmmanm E.‘ . . 1 WKLLJAM Pm u : ~ m § Wllllam E Paplauskas JI‘. Mater}; Pilgrim j State m‘ Rhoda Island ’ hotagy ID 9:4 04x.— 52085 My Gommifiofl‘gxpims Sen s. 2015 § “’\".'—'\-r xx -..--J . ~Vv-‘fWr-V} . 3 9/5/201 8 9:1 7 AM \ i ¢Zf¥ . E INFORMATION REDACTED IS CONFIDENTIAL i i I . P69 9/5/201 8 9:1 7 AM Return T0: Chase Records Center Arm: Collateral Traiiing Documents RE: MC 8000, 700 Kansas Lane - Monroe LA 7 1203 Prepared By: Krista Whitehair 11 11 Polaris Parkway Columbus, 0H 43240 . Mortgage DEflDitiOI‘IS. Words used in multiple Sections of this document me defined below and other words arc defined m Sections 3 11 13, 18 20 and 21 Certain rules regarding the usage ofwords used m this document are also provided 1n Section 16. " (A) 'Secmity Instrumem means this document, Which Is dated July 21, 2015, together with all Riders to this document. ” "Bo‘rmwm 1's (B) VENCENT MAIEWSKI AND REBECCA MUEWSKI, Husband and Wife . Borrower is the mortgagor under this Security Instruman (C) ”Lender" is JPMorgan Chase Bank N A. Lender Is a National Bankmg Associatim organized and misting under the laws of the United States Lender's addrcss 1s 1111 Polaris Parkway Floor 41 Columbus, OH 43240. Lender Is the mortgagee under this Security Instrument “ (D) “Note means the p1omissory note signed by Borrower and dated July “’1, 2015. The Non: states that Borrower owes Lender four hundred twenty six thousand four hundl ed and 00/100 Dollars (U. S. 1465151910 RHODE ISLArlD-elngle Famlly-Fennla MaelFreddle Mac UNIFORM INSTRUMENT Farm 3040 1/01 (r&v. 11102) VM 05/1111- Woltera Kluwar financial services 20150720113.20.29444201408261’ '( . InitialyMpage 1 u! 1 11111111111111111111ll 1111111111111111 111 111111111111111111111111111111111111111 111111 11 ‘\1/ P70 1 9/5/201 8 9:1 7 AM $426,400. 00) plus intelmest Borrowcr has promised to pay this debt In mgalar Periodic Payments and t0 pay the debt m full not later than August 1, 2030. (E) "Pwpez 2y" means the prOpcrty that Js described below under the heading "Transfer ofRights m the Pmpcrty " “Loan’ (F) means the dcbt evidenced by the Note, plus intcrcst, any prepayment cbalges and late charges due under the Note, and all sums due under this Sammy 111mm” P1115 interes‘ (G) ‘iRz'dcrs "means a1]. Ridm to this Security hlsfi'ument that are executed by Borrowel The following Ridels are to be executed by Borrower [check box as applicable] D Adjustable Ratc Rider D C(mdominium Ride: D Second Home Rider El Ballocm Rider E] Planned Unit Development Rider D 1-4 Family Rider D VA Rider C] Biwcckly Payment Rider D Other(s) [specify] (H) applicable Law' means all controiling applicable fcdcral state and local Statutes, regulations, Ordinances and administrative rules and otdels (that have the efiect 0f law) as well as al] applicablc final, non-appcalable judicial opinions. " (I) ”Community Associazz'orz Dues, Fees. andAsses'snwnrs means all dues, fees, assesSmcnte and otlmr charges that arc imposed on Borrower or fhe Property by a condominium association, homeowners associaticm or similar organization. (J) "Electronic Funds Trmwfw” means any Uansfer offimds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telcphonic instruman computer, 0r magnetic tape so as to order, instruct, or authorize a financial 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 autonnated clearinghouse transfm. ” (K) "ESCI’Ow Iiezm mcans those items that m‘e described in Section 3. " (L) "’Misoelfaneom Proceed? means any compensation settlement, award of damages, or proccéds paid by any third parry (other than insurance proceeds paid under the coverages descu'bcd in Section 5) for. (i) damage to, or destruction oi the Ploperty; (ii) concimmmtion or other taking of all o1 any part ofthe Propelty; (iii) conveyance in lieu of condemnation: or (iv) n1131eprescmations of 0r onussions as to the value and/or condition 0f the Property. (M) "Mortgage Imurance' means 1113111 ance protecting Lcndcr against the nonpaymcnt of, or default 0n, the Loan. " "Periodic means the scheduled amount due for principal and interest under (N) chzment regularly (i) the Note, plus (ii) any amounts undcr Section 3 of this Secun'ty Instmmcnt. " (O) "RESP means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 ct sc_q.) and its impICmcnting regulation, Regulation X (12 ORR. Part 1024), as they might be amended from time to time, or any additional 01' suocessor legislation or regulation that gchrns the same subject 1463131fi10 RHODE l8LAND~Singls Famlly-Flgtnniu Mau‘IFredUla Mun UNIFORM INSTRUMENT Form 3040 1N1 (rev. 11/02) VMP® 0811f: Wailers Klqur Flnundal surficea 201 60720142.02§44;J20140823Y |nilialeL__.r,_M‘Pagn 2 of 17 llllllllw Hlllllllllllll llll llllllll ll lllll Ill lllllllllllllllllllllllllllllll lllllllllll P71 9/5/201 8 9:1 7 AM matter, As used {n fifis Sectu'ity Instrument, RBSPA refers to ail requirements and restrictions that are impo sed in regard to a "federally related mortgage loan" W311 if Lhc Loan docs n0t qualify as a "federally related mortgage loan" under RESPA. (P) "Succemor 2n Interest ofBori-ower" means any party that has taken title to the Property, whether or not that party has assumed BorI'OWer's obligations under the Note and/or this Security Instmtncnt. Transfer of Rights; in the Fraperty. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of'the Note; and (ii) the performance of Bon‘ower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrowmr doas hereby mortgage, grant and couVey to Lender, with Mortgagc Covmants upon the Statutory Condition and with the Statutory Power of Sale, the following described propefiy locafzd in the COUNTY [Type ofRacording J'un'sdicrjon] ochwport [Name of Recording Jurisdiction]: See Attached Parcel ID Number: 403-167-000 Which currcntly has the address of 523 NANAQUAKET RD [Street] TIVERTON [CityL Rhoda Island 02878 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the pwperty, and all caSCmcnts, appurtenances, and fixtures now or hereaftrgr a part of tho propelty. All replacements and additions shall also be covered by this Security Instrument. All ofthe foregoing is refencd to in this Sccurify Instrument as the 'Troperty." ' BORROWER COVENANTS that Borrower 1's IaWfiJIIy seised ofthe estate hereby conveyed and has the right to mortgage, grant and convey the Property and that‘the Pmpcfty is unencumbered, except for encumbrances 0f rtcord. Borrower warrants and Will defend generally the title to the Property against all claims and demands, subject t0 any encumbrances ofrccord. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non—uniform covenants with limited variatitms by jurisdiction to constitute a uniform Security instrument covem’ng real pIOpcrty. Uniform Covenants. Borrower and Lender covenant and agree as follows: 'l Late Charges. . Payment of Principal, Interest, Escrow Items, Prepayment Charges, and 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 phrsuant to Section 3. Payments due under the Note and this Security Instmment shall be made in U.S. currency HoweVer, if any check or other histmment received by Lender as payment under the Note or this Securiw 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 0r more ofthe following forms, or as selected by Lender: (a) cash; (b) mancy order; (c) certified check, bank check, rreasurer's check cashier's check, provided any such check is drawn upo‘n an institution Whose dcp osits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds ’fi'ansfer. Payments are deemed received by Lender when receivcd at the lo cation designated in the Note or at such other location as may be designamd by Lender in accordance With tho notice provisions in Section 15. Lender may return any payment o: partial paymcnc if the payment or palfial payments are insufficient to bn'ng the Loan current. Lender may accept any payment or partial payment insufficient to bring the 1463131 910 11/02) RHODE ISLANDezngle Fsmuy-Fannla Maalfiaddla Mao UNIFORM INSTRUMENT . Form 1m 01w. VMFIA (1311.: ' ‘ Services 2m5072014.203$44420140625'l mum: m Puma a am Walters Kluwar Flume]: WW"W “W WWWWWWW "W P72 j 9/5/201 8 9:1 7 AM Loan cun‘ent, without waiver of any rights hereunder 01' prejudice to its fights to refuse such payment 0r partial payments in the fume, but Lender is not obligated to apply such payments at the time. such payments are accepted. If each Pen'odic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplicd funds. Lender may hold such unapplicd funds until Borrower makes payment t0 bring the Loan oment. IfBormWer does not do so Within a reasonable period offimc, Lender shall either apply such funds 01' return them to Borrower. Ifnot applied earlier, such funds will be applied t0 the outstanding principal balance under the Note finmcdjately prior to foreclosure. No offset or claim which Borrmver might have now 0r in the future against Lender shall reIieVC: Borrower from making payments due under the Note and this Secm'ity Instrmnent or perfonning the covenants and agreements secured by this Security Instmment. 2. Application of Payments or Proceeds. Excqat as otherwise described in this Section 2. all payments accepted and applied by Lender shall be applied in the following order ofpriority: (a) interest due Under the No_te;\(b) principal duc: under the Nata; (c) amounts due under Section 3‘ Such payments shall be applied to each Periodic Payment in the 01.1161" in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and than to reduce the principal balance of the Note. IfLendcr racemes a payment fiom Barrowgsr for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be appiicd to the delinqucnt payment and thc': late charge. Ifmore than One Periodic Payment 1's outstanding, Lender may apply any payment received flow Borrower to the; repayment ofthe 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 om: or more Periodic Payments, such excess may be applied t0 any late charges duet Voluntmy prepayments shall be applied first t0 any prepayment charges and then as described in tho Note. Any application ofpayments, 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 t0 Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment ofamounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a fien or encumbrance on the Propetty; (b) leasehold payments 0r ground rents on the Property, if any; (c) premiums for any and 311 insurance required by Lender under Secu'on 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by BorrOWer m Lender in lieu of the payment ofMortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "ESCmW Items." At on'gination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, ifany, be escmwed by Borrower, and such dues, fees and assesSments shall be an Escrow Item. Borrower shall prempfly fiu‘nish to Lender all notices 0f amounts t0 be paid under this Section. Borrower shall pay Lender the thds 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 0r all Escrow Items at any time. Any such waiver may only be in Writing, In the event of such waiver, Bon'ower shall pay directly, when and Where payable, the amotmts due for any Escrow Items fer which payment ofFunds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time pen‘od as Lender 1463131910 RHODE lSLANDvS’n-ngle Famin-Fannia MBe/Freddla Mac UHIFGRM INSTRUMENT Farm 8040 1/01 (rev. 11102) VMP® 08/1 4 m « ‘ 17 Walters Kluwer Financial Gervlcns 2015072014.202946642014052“ Irilialszk—BM‘ P990 4 cf 'l1l llllll'g till, llllllllllllllllllllllllllllllllil lflm llllll |ltllHllllililfllllHflfl IIIHIIII P73; 7 9/5/2018 9:17AM may requireA Borrower‘s obligafion to make such payments and m provide receipts shall for all purposes be dccmcd to be; a covenant and agreement contained 1'11 this Security Instrument, as the phrase "covenant and agreement“ is used in Section 9. If Bouower is obligated m pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an ESCIow Itc‘m, 11.611ch may exercise its rights under Sccfion 9 and pay such amount and Borrower shall then be obligated under Section 9 t0 repay to Lender any such amount. Lender may revoke the waiva a8 to any or 8,11 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 flais Section 3. ~ Lender may, at any time, collect and hold Funds in an amount (a) sufficient t0 permit Lender m apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount ofFunds due 0n the basis of current data and reasonable estimates ofexpendimres of future BScrow Imms 0r otherwise in accordance with Applicable Law. Th6 Funds shall be held m an mstitufion Wheat; deposits arc insured by a fedcml agency, instmmentality, or entity (including Lender if Lender ls m1 institution whose deposits arc so insured) or in any Federal Home Loan Bank. Lender shall apply the: Funds to pay the Escrow Items no later than tho time specified under RESPA. Lendcr 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 0r Applicable Law requires interest t0 be paid on the Funds, Lender shall not be required t0 pay BOn‘OWcr any interest or eamings on the Rmds. Borrower and Lender can agree in Writing, however, that filterest shall be paid on the Funds. Lender shall giVe to Bermwer, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus ofFlmds held in escrow, as defined under RESPA, Lender shall account to Bonowcr for the excess funds in accordance with RESPA. If there 1's a shortage ofFlmds held in escrow, as defined under RESPA, Lender Shall notify Bomower 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 momhly payments. Iffherc is a deficiency ofFuuds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Louder the amount necessary to make up the deficiency in accordance With RESPA, but in no more than 12 monthly payments. Upou payment in full of all sums secured by this Security Instrument, Lender shall promptly refund w Borrower any Funds held by Lender. 4. Charges; Liens. Bon'OWer shall pay all taxes, assessments, charges, fines, and impositions atIributable to the Property which can attain priority oVer this Security Instmment, leasehold payments or ground rents 0n the Pr'operty, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bocher shall pay them in fhe manner provided in Section 3. Bon'ower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agIecs in writing to thepament ofthe obligation secured by the lien in a manner acceptable to Lender, but only so long as Bermwer is perfonm'ng such agmement; (b) contests the lien in good faith by, or defends against enforcement ofthe lien in, legal proceedings Which in Lender‘s opinion operate 1463131910 RHODE ISLANDumglo FamilyLFannir? MaolFmdma Ma: UNIFORM INSTRUMENT Form 3040 1101 (rev 11102) VMW 2m_ DBIM WORM? KWWW Financial Swims 201 $07201 4.2. D 2844~J201 40628Y initials. Page 5 of 1T WWWWWHWWNWWMMWMWWW MW P74; 9/5/201 8 9:1 7 AM to prevent the enforcement ofthc lien while those proceedings are pending, but only until such proceedings are CODCIUded; 01‘ (0) 860111138 from the holder othc: lien an agreement satisfactory to Lender subordinau'ng the Hm to this Security Instrument. IfLender determines flmt'auy part of the Propcrty is subject to a lien which can attain priority over this Scoufity Instnufient, Lender may give BouoWer a notice identifying the lifsn. Within 10 days 0f the date 011 which that notice is given, Bon'ower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower t0 pay a Onc-tim3 charge for a real estate tax verification and/or reporting Service Used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improVemenfs now existing or hereafter erected on the Propexty insured against loss by fire, hazards included within the term “extended CoVem'ge," and any other hazards including, but not limited t0, eaflhquakes and floods, for Which Lender requires insurance. This insurance shall b6 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 Offlle'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 BOITOWer to pay, in connection with this Loan, either: (a) a one—time charge for flood zone determination, certification and tracking services; or (b) a onc-time charge for flood 20m determination and Certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determinatim o: certification. Barrawcx shall also be rcsmnsible for the payment ofany fees impoSed by the Federal Emergency Management Agency in connection With the review of any flood zone detennination resulting from an objection by Borrower. IfBon'ower fails to maintain any of the coverages descrflzed above, Lender may obtain insurance coverage, at Lender's option and B omower‘s expense. Lender is under no obligation to purchase any particular type Or amount 0f covaragc. Therefore, Snell coVeIage'shall cover Lender, but might or might not protect Borrower, Bou'ower's equity in the Propefiy, or the contents of the Property, against any risk, hazard or liability and might provide greater 0r IeSSer coVerage than Was previously in efl‘ect. Borrower acknoWIedges that the cost offhe insurance coverage so obtained might significantly exceed tho cost ofinsmance that Borrower could haVe obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt ofBorrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fiom the date ofdisbmemeut and shall be payable, with such interest, up0n notice from Lender to BOHOWGI requesting payment, A11 insurance policies required by Lender and renewals of such policies shall be subject to Lender‘s right t0 disapprove such policies, shall include a standard mortgage Clause, and shall name Lenderas mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. IfLender requires, Borrower shall promptly give to Lender all receipts ofpaid premiums and renewal noticest IfBon'ower obtains any form of insm'ance coverage, not otherwise required by Lender, for damage to, 0r 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 promptly by Borrower, Unless Lender and Borrower otherwise agree in Writing, any insurance proceeds, Whether or not the underlying insurance was required by Lender, shall 14133131910 ‘ RHODE ISLAND-Single Femin-Famie MeelFredtfie Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev 11/02) VMFW 08/14 ' Wallets Kluwar Flnondu Service; 201507'2014.2.0.29M-J20140828Y lniljamw‘ P308 6 o! 17 ‘ ltlllllllfllllllllflmfl IIHHNII lllllll mitt NW! mm llllmlltltlilml IHIIINHIINIH P75l 9/5/201 8 9:1 7 AM be applied to restoration 0r repair of the Property, if the restoration 01* repair is economically feasible and Lendcr‘s scoun'ty is not lessened, During such repair and restoration period, Lender shall have the right to hold sueh insurance procceds until Lender hashad an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such hlspection shall be undertaken promptly. Lcndcr muy‘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 1'11 wn'tiug or Applicable Law rcquires inter¢3t to be paid on such insurance proceeds, Lender shall not be required t0 pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third panties, 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 Lendefs security would be lessened, the insuraIICc proceeds shall be applied to the sums secured by this Security InSti'umenf, Whethci‘ 01' 110i then due, with the excess, ifany, paid to Borrower. Such insurance proceeds shall be applied in the Order provided for in Section 2. IfBoxroWer abandons the; Property, Lander may filc, negotiate and settle any available insurance claim and related matters. IfB OIIOWer does notrcslaond within 30 days to a notice fiom Lender that tht: insurance cam'er 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 Lender acquires the Propemy under Section 22 or othcrwise, Borrower hereby assigns to Lender (a) BormWer's rights to any insurance procecds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower‘s fights (other than the right to any refund of unearned premiums paid by Boxmwer) undcr all insurance policies co‘vcn'ng tha Propefiy, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair 0r restore the: Property or to pay amounts unpaid under the Note or this Security Instmmcnt, Whether or not then due. 6. OCGUpancy. Borrower shall occupy, establish, and use the Prepcrty as Borrower‘s principal xesidencc within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Benower‘s principal residence for at least one year aficr the date ofoccupancy, unless Lender otherwise agrees in writing, Which consent shall not be unreasonably withheld, 0r unless extenuathlg 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 1'11 the Property, Bon'ower shall maintain the Property in order t0 prevent the Property from deteniowting or decreasing in value due to its condition Unless it is determined pursuant to Section 5 that repair 0r restoration is not economically feasible, Borrower Shall promptly repair the Property if damaged to avoid further deterioration 0r damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repain'ng or restoring the Property only if Lender has released proceeds for such purp uses. Lender may disbmse proceeds for the repairs and restoration in a single payment or in a series ofprogress payments a3 the woflc is. completed. If the insurance or condemnation proceeds are not sufficient t0 repair or restore the Property, Borrower 1's not relieved ofBorroweI's obligatioh for the Completion of such repair or restoration. 1453131910 RHODE lSL/xND-Sll‘lg’a FamIN-Fennlq Mau/Fmddle Mac UNIFORM INK! RUMENT Form 3040 1101 (rev. 101/02) VMW - Faga7o Walters Kluwer Finances Sent)“: 2016mm”. Z. 0.zsawzomoszeY lnilvalzm uf‘l? inf WWWWWWWWW WWWWWWWWW "W P76; 9/5/201 8 9:1 7 AM Lender or its agent maymake reasonable enuies upon and inspections of the Propeny. Ifit has reasonable cauSe, Lender may inspect the interim ofthc improvements on the Property. Lender shall give Borrower notice at the time (3f or prior to such an interior inspection specifying such reasonable cauSe. 3. BOTYOWBI’S Loan Application. BOHOWEI' shall be in default if, during the Loan application process, Borrower 0r any pCISCms or entities acting at the direction ofBorroch 0r With Borrower's knowledge 0r cansem gaVe materially false, misleading, 0r inaCCumte information or statements t0 Lender (or failed to provide Lender with material information) in connection with the Loan, Material represantations include, but are not limited to, representations canccming 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 (a) Borrower fails to perform the covenants and agreements containéd in this Security Instrument, (b) th ere is a legal proceeding that might significantly affect Lender‘s interest 1'11 the Property and/or rights under this Security Insmmcnt (such as a proceeding in bmflmzptcy, probate, for condemnation or forfeiture, far enfomcmcnt of a lien which may attain priority over This Sccurity Instrument o: to cnfome laWs or regulations), or (o) Borrower has abandomd (ha PIOperty, than Lender may do and pay for whatever is reasonablc or apprOpriate to protect Lender's interest in the Property and rights under this Security Instmmcnt, including promoting and/or assessing the value of the Property, and securing and/OI repairing the Property. Lender‘s actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Secm-ity Instrument; (b) appearing in court; and (c) paying reasomblc attomeys’ fees to protect its interest in the PIOperty and/or rights under this Security Instrument, including its Secured position in a banlmzpfoy proceeding. Securing the Property includes, but 1'3 not limited to, enten'ng the Property to makb repairs, change locks, replaCe 0r boaId up doors and windows, drain water fiOm pipes, eliminate building or other code Violations or dangerous conditions, and have utilities turned on or ofi'. Although Lender may take action under this Section 9, Lender docs not haw to do so and is not under any duty or obligation to d0 so, It is agrccd that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts distIsed by Lender under this Section 9 shall become additi onal debt ofBorrower secured by this Semity Instmment. These amounts shall bear interest at the Nets rate flow the dave of disbursement and shall be payable, With such interest, upon notice from Lender to Bon'ower requesting payment. If this Security Instmmeut is on a leasehold, Borrower shall comply with all the provisions of the lease. If Bom‘ower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the mcrgcr in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition ofmaking the Loan, in’efi‘ect. . Borrower shall pay the premiums required to maintain the Mortgage Insurance Ifl for any reason, the Mortgage Insurance coverage required by Lender ceases to be atrailahle from the mortgage insurer that previously provided such insurance and Benower was required to make Separately designated payments toward the premiums for Mortgage Insurance, Balmwer shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost sub stantially equivalent; to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mongage Insurance coverage is not available, Borrewer shall continue to pay t0 Lander the amount of the separately designated 1463181910 RHODE lSLAND-Slnale Family-Fennla MaalFreddlB MEG UNIFORM INSTRUMENT Form 3040 Um (rGV. 11(02) VMP® ‘ 03/14 ' ‘ ' Waller: Kluwnr Finnndnl Snwlcm 20’15071‘3142019‘H-JQD140820Y Initial: Page 8 fif'lT to lllltNlUlNlllllllt | llllltll HI!“ l ltl lltlllfllllllllllm P775 ”"9/5/2oi8’9fiAM payments that Were due when the insurance coverage ceased 1'0 be in effect. Lender will accept, 113a: and retain these payments a5 a non-refundablcloss reserve in lieu ofMortgage Insurance. Such loss reserve shall be non—rcfimdable, notwifllstanding the fact that the Loan is ultimately paid in full, and Lender shall not be rcquired to pay Borrower any interest or earnings on such loss reserve. Lender can n0 longer require loss rcserve paymcrzts if Mortgage Insurance coveragc (in the amount and for the period that Lender requims) provided by an insular saleated by Lander again becomes available, ls obtained, and Lcnciez reqmrcs separately designated payments toward the premiums for Mortgage InsuranCe. If Lender required Mongage Insurance as a condition of making the Loan and BorroWer was required to make separately designated payments toward tho premiums for Mortgage Insurance, B(mower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a n0n~refundable loss reserve, until Lender‘s requirement for Mortgage Insurance ends in accordance With any mitten agreement between Borrower and Lender providing for such tennination or until termination is required by Applicable Law. Nothing in this Section 10 afi'ccts Borrower's obligatiou t0 pay inmrest at the rate provided in the Not'c. Mortgagf: Insurance refinburses Lender (or any entity that purchases the Note) for certain IOSSes 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 msumncc in foxce from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses These agfccments are on terms and canditions that are satisfactonr to the mortgage insurer and the other party (or parties) Lo these agreements. These agreements may require the mortgage insurer t0 make payments using any source 0f funds that the mortgage insurer may have available (Which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lcmder, any purchaser of the Note, another insurer, any l‘einsmer, any other entity, or any affiliate 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 Mongage Insurance, in exchange for sharing or modifying the mortgage insurer‘s risk, or reducing losses. If such agreement provides that an affiliate 0f Lender takes a share of the insurer‘s risk in exchange for a share of the premiums paid t0 the insurer, the arrangement is often termed "captive reinsurance.“ Further: (A) 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 3.1110th Bouower will owe for Mortgage Insurance, and they will not entitle Borrower to any 1efund. (B) Any such agreements will not affect the rights Borrower has ~ if any ~ with respect to the Mortgage Insurance under the Homeowmrs 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. 1 1. Asslgnment of Miscellaneous Proceeds; Farfeiture. A11 Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. 1433131910 RHODE lSLANDasmgle FamilyaFannIn MaB/Fwddie Mao UNIFORM INSTRUMENT Ffin‘n 3M0 (WV. $O1I02) VMF® M01 0d Wfillflfl Khmer Financial Services 2015075314102944~JZOWOBZBY lnlllal81_.V__@_.Mpags 9 17 llfllllllllfllll‘l Ullfllllllllllfllflm lfllil IIIWIHllIN!WIIHIIUIIHHJIWl" l "ll“ Ill” Ill '9'/5/'201 8 9:1 7 AM If the Property is damaged, such Misoellancous Proceeds shall be applied to r¢st0ration or repair of the Property, ifthe restoration 0r repair is coonomically feasible and Lender’s security 1's not Ies sened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Pmceeds until Lender has had an Opportmlity to inSp ect such Property to ensure the Work has been completed Do Lander‘s satisfaction, provid ed that snoh inspection shall be undertaken promptly. Lender may pay far the repairs and restoration in a single disburscmcnt or in a serics ofprogress payments as the work is completed. Unless an agreement is made in Writing or Applicable Law requires intercst to be paid on such Miscellaneofls Proceeds, Lender shall not be required to pay Borrower any interest or earnings 0n such Miscellaneous Proceeds. If the restoration or repair is not economically feasible 0r Lender‘s security Would be lessened, the Misccllaneous Procccds shall‘be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, ifany, paid to Barrower. Such Miscellaneous Proceeds shall be applied in the order providedfm in Section 2. In the event ofa total taking, destruction, or loss in value of the Property the Miscellaneous Proceeds shall be applied to the sums seemed by this Security Instrument, whether or not then due, With the excess if any, paid to BOHOWer. In the event 0f apartial taking, dastruction, orloss in value of the Property in Which the fair market value of the Pmperty hmncdiatcly before the pafiial taking, destruction, or loss in value 1's equal to or greater than {he amount of the sums secured by this Security Instrument immediame 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 ofthe Nfiscallaneous Proceeds multiplied by the following fiactiou: (a) the total amount of the sums securéd immediately before the pam‘al taking, dCStfllCfion, 0r 105$ in value difided by (b) the fair market valve of the Property immediately before the pmfial taking, destruction, 0r loss in valua, Any balancc shall be paid to Borrower. In the event of a pam'al taking, destmcfiOn, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destmctiOn, or loss in value is less than the amount of the sums secured hnmadiately beforc the partial taking, destructiOn, 0r loss in value, unless BormWer and Lender othenviSe 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 Pmperty is abandoned by Borrower, or 1f, afier notice by Lender to Bonowcr that the Opposing Party (as defined 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 3nd apply the Miscellaneous Proceeds either to restoration 0r repair of [he Property or to the sums secured by this Security Imtmment, whether or net then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Bomower has a right of actiori 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 ofthe Property or other material impaimlent 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 pmvided 1n Section l9, by causing the action or proceeding to be diSmiswd With a ruling that in hndez’s judgment precludes forfeiture ofthe Property 0r other material impainnem: ofLender‘s interest in the Piopcrty or rights under this Security Instrument “I he proceeds of 4468131910 lSLAND-Single Family Fanme MeelFredfiu Mac UNIFOR‘M INSTRUMENT 3040 (rev. $14005 (”an M1101 11102) 10° William Kluwur Hnanma! Service: 201 507201 e.2.0.2944420H0825Y Inn] aim_._”Page of 11 Nllmllllllllll Ill“llll flll ll Mill”Hlililllilfll IIIUIHHI” IIIIIIIII <0 P79. 9/5/201 8 9:1 7 AM any award 0r claim for damages that are am ibutable to the Impairment ofLender‘s interest 1n the Prepcrly are hereby assigned and shall be paid t0 Lender. All stcellaneous Proceeds that are not applied t9 restoratim or repair ofthe Property shall be appliai in the order provided for in Section 2. 12 Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment 01 modification of amomizafion of the sums secured by this Sccun’ty Instrument gxanted by Lender to Borrowel or any Successor 1n [utcrcst of Borrower shall not operate to release the liability of Borrower or any Success ors 1'11 Interest ofBorroWer. Lauder shall not be required t0 commence proceedings against any Successor in Interest ofB orrower or to refuse to extend time for payment or otherWiSe modify amortization of the sums secured by this Sbcurity 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 0r remedy including, without limitation, Lendcfs acceptance of payments fiom third persons, entities 0r Successors in Interest ofBorrowcr or 1'11 amounts less than the amount then due, shall not bc a waiver of or preclude flu; exercise 0f any right or remedy. 13. Joint and Several Liabilify; Causignera; Successors and Assigns Bound. Bouowcr covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "ceusigrwr'fit (a) is co~signing this Security Instrument only t0 mortgage. grant and COHVCY the 00*3i81131"3 imereSt in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Semm'ty Instnrment; and (c) agJ ees that Lend¢r and any othel BorroWer can agree to extend, modify, forbcar or make any accommodations with legard t0 thc teams ofthis Security Insmxment or the Note Without tho co-signer's consent . Subject to the provisiOns of Section 18, any Successor 1'11 Interest ofBorrower who assumes Boxrower's obligations under this Security Insmmleut in Writing, and is approved by Lender, shall obtain all of Bouowcr’s fights and benefits 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 Wn'ting. The covenants and agreements ofthis Secmity Insn'ument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lenden 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Bauowcr's default, for the purpose of protecting Lender's interest in tbs Property and rights under this Security Instrument, including, but not limited to, attpmeys‘ fees, property inspection and valuation fees. In regard to any other fees, the absence ofexlaress authon'ty in this Security Instrument to charge a specific fee to Borrowar shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that arc: expressly prohibited by this Security Instrument o1- by Applicable Law. Ifthe Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or othcw loan charges collected 0r to be collected in connection with the Loan exceed the pcmu'tted limits, then: (a) any such {can charge shall be reduced by the amount necessary to reduce the charge t0 the pennitted limit; and (b) any sums already collected fi'om Bonower which exceedal permitted limits will be refunded to Bon'ower. Lender may choose to make this refimd by reducing the principal owed under the Note or by making abdirect payment to Bonbwer. If a refimd reduces principal, the 1483131910 RHODE ISLAND-Smle Family-Fannie Malemddis Mac UNIFORM INSTRUMENT mm 3040 1101 ((cv. 11/02) DEl ‘l 4 \Yvoltm Kluwnr Finann‘:l M Ju‘Page 11 Services 2015072014 10 ZBANZOMOBZ-SY lniflleV of17 . NlllllillilllllllllllUlfllllllllllHWill! llflliltml milllfllllll Hllill lilllllfllllllllllllmllm P80; 9/5/201 8 9:1 7 AM reduction Will b6 treated as a panial prepayment Without any prepayment charge: (whcthcr or not a prepayment charge is provided for under the N016). Borrowcr‘s acceptance of any such refund made by direct payment: t0 BOITOWCI Will cmstitute a waiverof any right of action Borrower mi ght haw arising ' om of such overcharge. 15. Notices. A11 notices given by BormWer 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 t0 Borrower When mailed by first class mail or when actually delivered to Borrower‘s notice address ifsent 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 BOLTOWer has designated a substitute notice address by notice t0 Lender. erower shall pramptly notify Lender OfBOI‘rowcr'S Change 0f address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that Specified pwcedure. There may be only one dcsignatcd notice address under this Security Instmment at any one time. Any notice: to Lender shall be given by delivering it or by mailing it by first class mail to Landcar’s address stated herein unless Lender has designated another addmss by notice to BOHOWGT. Any notiCe in connection with this Security Instmment shall not be dccmcd to have been given t0 Lender Until actually received by Lender. If any notice required by this Security Insuumeut is aISO required under Applicable Law, the Applicablc Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Gave I‘ning Law; Severa bility; Rules of Construction. This Security Instmment shall be governed by federal law and the law ofthc jurisdiction'1n Which the Propcrry'13 located A11 rights and obligations contained m this Security Insnument me subject to any mquilemcnts and hmitations of Applicable Law Applicable Law might eXplicitIy or implicitly allow the; parties to ach by contact or it might be silent, but such silerwe shall not be construed as aprohibition against agreement by contract. In the event that any provision or clause ofthis Security Instrument or the Note conflicts With Applicable ‘ Law, such conflict shall not affect other provisions ofthis Security Instrumem: or the Note which can be given effect without the Conflicting provision. As Used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words ofthc fmfininc gender; (b) words in the singular shall mean and include the plural and vice Versa; and (c) the word "may? giVes Sole diSCIetiOH WithOut any Obligation to take any action. 17. Borrower's Copy. Bouovver shail be giVen o’ne cepy of tho Note and of this Sccun'ty Instmment. '18. Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Promrty, including, but not Iinfited t0, those beneficial interests transferred in a bond for deed, contract for deed, installment sales cant‘é’wt o: escrow agreement, the intent ofwhich is the transfer of title by Borrower at a future date to a purchaser. Ifall o: any part of the Property or any Intcrest in the Propefiy is sold or transferred (or ifBOIrowm is not a natural person and a beneficial intgrest in Borrower is sold 01‘ n‘ansfcrmd) Without Lender‘s prior written con3cnt, Lander may mquirc immediate paymeht in full of all sums sccmcd by this Security Instmment. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 1463181 910 1/01 RHODE ISLANDvsingle Fam'Ify-Fannte MaelFreflUIe Mac UNIFORM INSTRUMENT Form 8N0 UBVA 1011024) WIF® 120d] Financial sunrise: 2015072014.2.0.2£!44-420140$mev InltlslmV Peg: 17 Walters Kluwer . Ill Hlllllmlllllll"Willi!" IIUIIWHI I Um lffflflllllli llmllHl lmllllmlfllllllllMilll .5 P81; 9/5/201 8 6517 AM IfLender eXercises this op tion, Lendcr shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Sccfinm 15 within which Borrower must pay all sums secured by this Security Instrument. If BQIIOWer fails to pay these sums pn'or to the expiration 0f this pen‘od, Lender may invoke any remedies permitted by this Security instmment without: further notice 0r demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. IfBorrower meets certain conditions, Bon'ower shall have the right to have enforcement of this Security Instrument discontinued at any fime prim to the earliest ofi (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) suoh other period as Applicable Law might specify for the termination of Bon'ower’s right to reinstate; or (c) entry ofa judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender a1! sums Which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, rcasouable attorneys‘ fees, pr0pcrty inspection and valuation fees, and other fees matured for the purpose of protecting Lender's interest in the Prop erty and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lcndcz‘s interest 1'11 the Property and lights under this Security Instnlment, and Borrower‘s obligatiou to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and c:cpenses in one or more of the following forms, as selected by Lender: (a) caah; (b) money order; (c) certified check, bank check, treasurer's check 0r cashier's check, provided any such check is drawn upon an institution Whose deposits are insured by a federal agency, instrumentality or entity; 0r (d) Electronic Funds Transfer. UpOn reinstatement by BOHOWer, this Security Instrument and obligations Secured hereby shall remain fully efi'ective as if n0 acceleration had occurred. However, this n'ght to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale ofNote; Change of Loan Servicar; Notice of Grievance. The Note 0r a partial interest in the NOW (together With this Security InStrument) can be sold one or more times without prior notice to BormWer A sale might result'm a change'm the entity (knoWn as the "Loan Servicer") that collects Periodic Paymcnts due undel the Note and this Security Instrument and perfomis other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might he 0116 01' more changes of the Loan Serviccr unrelated to a sale of the Note. Ifthere 18 a change ofthebLoan Serviccr, Bonower 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 RBSPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is seivieed by a Loan Servicer other than the purchaser ofthe Note, the mortgage loan servicing obligations to Bonower will remain With the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note phrchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, o1 be joined to any judicial action (as either an Individual litigant 0t the membei of a class) that arises fiom the other party's actions puisuent to this Secuijity Instrument or that alleges that the other party has breached any provision of 0r any duty owed by reason of, this Security Instrument, until Such Bon'owel or Lender has notified the other party (With such notice given in compliance with the requirements of Section 15) of such allcgcdbreach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action If 1469131910 CHQDE I8LAND~3innIe Family Fannie Hae/Fraadle Mac UNIFORM INSTRUMENT Form mo 1/01 (rev. 11/02) ‘ Wollem Khmer Financial Sen'10:5 20150720141. [1.2944420i40825Y lnlflamw P898 1300H7 fWWWW W WH WWWWWWWWHWWWWWH m P82 i 9/5/2018 9:17AM Applicable Law provides a time period Which must elapse befoxe certain action can be taken, that time period will be deemed Lo be leasmable for purposes 0f flu's paragraph. The notice of acceleration and opportunity to cure given to Barrower pursuant; t0 Section 22 and the notice of acceleration given to Borrower pursuant to Section 13 shall be deemed to satisfy the notiCe and opportunity to take corrccfiVe action provisions ofthis Section 20 21 Hazardous Substances. As used m this Sectirm 21: (a) "Hazaldous Substances“ me those substances defined as toxic 01 hazardous substances, pollmutants or Wastes by Environmental Law and the following substanCes. gasoline, keloscue, other flammable or tome petroleum products, toxic pesticides and herbicides, volatile solvents, maten‘als containing asbestos 0r formaldehyde, and radioactive maten'als; (b) "Environmental Law“ means faderal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any resp onsc action, remedial actioa, or removal action, as defined in aniroumental Law; and (d) an "Enviromnental Conditiou" means a condition that can cauae, 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 xeleasc any Hazardous Substances, on or in the Preperty. Borrovver shall not d0, nor allow anyOnc else t0 d0, anything afiecting the Property (a) that 13 in violation ofany animnmental Law, (b) which creates a“ Environmental Condition, o1 (c) Which, (11113 to the preacnce, use or xelease of a Hazardous Substance, creates a COnditu'on that adversely afi‘ects the value 0f the Ploperty. The preceding tWo sentences shall not apply t0 the presence, use, or storage on the Property of small quantifies of Hazardous Substances that are generally recognized no be appropriate to normal residential uses and to maintenance of the Prepemy (including, but not limited to, hazardous substances in consumer products). Bon'ower shall promptly give Lender Written notica of (a) any investigation, claim, demand, lawsuit or other action by any govemmental or regulatory agency or private party involving the Property and any Hazardous Substance or Envimmnental Law of Which Bon'oWer has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, releasem threat of release of any Hazardous Substance, and (c) any conditiOn caused by the presence, use or release of a Hamdous Substance Which adverSely afi‘ects the value ofthe Preperty. IfB orrowcr learns, or is notified by any governmental 0r regulatory authOrity, or any private party, that any removal or other remediatimu of any Hazardous Substance afi’ecfing the Property 1s necessary, BorroWer shall promptly take all necessaxy remedial actions 1n accordance with Environmental Law. Nothing herein shall 0161116: any obligatxon on Lande1 for an Environmental Cleanup. Non-Uniform Covenants. Borrower and Lander further covenant and agree as foIIOWS: 22. Acceleration; Remedies. Lenfier shall give notice ta Borrower. prior t0 acceleration following Borrower's breach of any covenant o1- agreement in this SeCurity Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specif I: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given tn Borrawex; by which the default must be cured; and (d) that failure to cure the defauit 0n o1- befOre the date specified in the notice may result in acceleratiOu of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the n'ght t0 reinstate after acceleration 1463131310 RHODEISLANDaknula Ffirmly Fannla Mafil’Fmddlo Mac UNIFORM INSTRUMENT 80-10 1/01 (rev. Form? 11819:} VMP® 0 Walter: Kluwer Flnsnm‘al Sorvlcae 2015072014.2.0.2944-d20140823Y InmmaVM' N’Page 14 o! 17 WWWNW W WHWMHflflWHWWWWW W P83, 9/5/201 8 9:1 7 AM . and the right to bring a mum 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 STATUTORY 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 STATUTORY POWER. OF SALE, Lender shall mail a copy of a notice of sale to Borrower as provided in Section 15. Lender shall publish the notice of sale, and the Pmperty shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of me sa’le shall be applied iu the following order: (a) to all expenses 0f the sale, including, but notfimited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the persou or persons legally entitled t0 it 23. Release. Upon payment of all sums secured by this Security Instrument, this Secun'ty Instmment shall become null and void Lender shalt discharge this Security Instnnnent. BormWer shall pay any recordation Costs. Lender may charge Bocher a fee for releasing this Security Instnuncnt, but only if the fcc is paid to a third party for serviCes rendered and the charging of the fee is pcmxitted under Applicable Law. 24. No Outstanding Automatic Orders Kn Domestic: Relations Cases. Bowower hcrcby repmsants and wauants to Lendcr that either (a) there 1's no outstanding autematic order under Chapter 15—5 of the Rhoda Island Gweral Laws against any B(moWer relating to a complaint for dissolutian of marriage, legal separation, annulment, custody or visitation or (b) there is an outstanding automatic order under Chapter 15-5 0f the Rhodc Isiand General Laws against a Borrower relating to a cornplaint for dissolufiou ofmaniage, legal separation, annulment, custody or visitation, and the other party that is subject to such order has consented to, or thc court which issued the automatic order has iSSued anothcr order authorizing, such "Borrower's cchufion of rhc Note and this Security Instrument. 25. Homestead Estate. IfB orrower heretofore has acquircdor hereafier vauires an estate of homestead in the Propérty, Borrower hereby agrees that such homestead estate i3 Waived to the extent offllis Security Instrument and the amount due undsr the Note and to the extent of all renewals, extensions and modifications ofthl's Security Instrument or thc Note, and that said homestead estate is subject to all of the nights ofLender undar this Security Instrument and the Note and all renewals, extensions and modifications of this Security Instrument and thc Note, and is subordinate to the lien evidenCed by this Security Instrument, and all rcueWals, extensions and modifications of this Security Instmment. Furthermore, Borrower hereby waivcs the benefits 0f any homestead or similat IaWs or regulatimls that may othclwisc be applicable fiom time to time. 1683131910 RHODE ISLAND-Slnslo FleIV-Fanfiie Maanmdlfle Mac UNIFORM INSTRUMENT mForm 5040 1/01 (ruv. 11/02) MPO (13/14 Wollfirc KhmerFInEndalServica: 2015072014.20294H$0140628Y IniflalsLé,“Mpaga 1501 17 Jillllllllflflllllllfl IUIIHI lllllllfllllfiiilH llfllll 1Hlllfl 1111111111111111111111 l1 P84] BY SIGNING BELOW, BorroWer accepts zmd agrees to the terms and covenants contained in this Security Instmmsut and in any Rider cxccuted by Bon'ower and recorded With it. Borrower fl . ( . 9/ x_j' INCENTVM; ‘ ate Seal " l—J ‘7 S" z I s J CA MAJE ate “Nou-Applicafizt Title Holder Seal .J 1433131910 RHODE lsLAND—Singla Family--Farmia MaalFreddSu Mac UNIFORM lNa'rRUMENT $040 1/01 (rev 11(02) ’41qu 80 Walls: KlnworFinancIa! Bewlcea 20150720141029M0140923Y Inmalo;______e M--P&ge 1 uf I7 IIIIIIIIIIIIIII III III )l ll IIIIIIIIIIIIIIIIIIIIIIIIIIIIIII II IIIIIIII P85 9/5/201 8 9:1 7 AM Acknowledgment State of Rhoda Island County of Newport OWM, in said County, before me personally appeared " \A ?\cevxT m mfik (3w g(si,‘ ’ ' 185cm? A m (AC: each: each nd all t0 mic lmo n d known t0 me to be the person(s) executing the foregoing instrument and 5‘..- -.A_A_A -_:i' WILLIAM E. PAPLAUSKAS JR. Notary Public State of .’ Rhone Island Notary ID # 52085 MY Commission Expires . Sap 8 2015 Wm ' 3:1qu W11..-” Loan Origination OrganiZation: JPMorgan Chase Bank, NA. NMLS ID: 399798 Loan Originatorz- Trevor Tharp NMLS ID: 119552 . 1463131910 lSLAND—Singl: Fanni: Maanmddi: Mac UNIFORM RuggE Family lNSTRUMENT MFOIm 3040 ”01 (rev. 11/02) 1-d201 lniliaII/M 170of, Walters Kluwar Financial SeMces 2015072014. 2 ..0 294 1082M _g;fl’ Page 17 I 1111111 11111111| 1111111 11 1111111111111111111 9/5/201 8 9:1 7 AM LENDER: JPMORGAN CHASE BANK i BORROWER(S)Z VINCENT MAJEWSKI and REBECCA MAJEWSKI PROPERTYADDRESS: 528 NANAQUAKET RD TJVERTON RI 02878 LOAN NO: 1463131910 ERROR AND OMISSIONS I COMPLIANCE AGREEMENT STATE OF RI COUNTY OF NEWPORT The undersigned borrOWerCs) for and in consideration of the above referenced Lender funding the closing of this loan agre’es if requested by the Lender or CIOsIng Agent for the Lender to fully cooperate and adjust for clerical errors, any or all loan closing documentation If deemed necessary or desirable In the reasonable discretion of the Lender to enable the Lender to sell conVey, seek guaranty of market said loan to any entlty, Including but not iimited to an invesior, Federal National Mortgaga Association. Federal Home Mortgage Corporation. Government National Mortgage Association, Federal Housing Authority or the Depadment of Veterans Affairs, or any Municipal Bonding Authority. Th6 undersigned borrower(s)' agree(s) to comply with aii above noted requests by the above~reierenced Lender/Closing Agent within 30 daYs from the date of mailing of said requests Borrower(s) agree(s) to assume all costs including, by way of iIIUStration and not limitation actual expenses. legal fess and marketing losses for failing to comply with correction requests In the above noted time period. The undersigned bnrrowefls) do hereby so agree and coVenant in order to assure that this loan documentation eXecuted this date will conform and be acceptable in the marketplace in the instance of transfer, sale or conveyance by the Lender of its interest in and to said loan documentation, and to assure marketable title in the said borrower(s). DATEDIO /21/2015 I f éffi \t. “M“ VINCENT MAJEWSKI REBEng MAJEWSKI of‘g re e this slimy MAL / .‘ i}? t r n My Commission EXpires: 2 i WiLLIAiI/i E PAPLAUSKAS JR. Notary Public State of Rhoda isiand _" Notary iD 9r‘52065 - My gammisslon Expires Sap 8, 2015 v Vb!" 'V wwwub P87: i’ ' 9/5/2018 ezzmu' l i 4 l h l | x fi/4 . SE°RVICELINK “a4 a BLAGK KNIGHT campam’ x i l l May 24, 2016 Bv Fed—Ex Overnight Delivery Mr. Thomas Bergeron Unauthorized Practice of Law Cmte Rhode Island Supreme Court Clerk’s Office 250 Benefit Street Providence, RI 02903 Re: Unauthorized Practice of Law Committee v. William E Paplausks, Jr. — UPLC No 2015—6 Dear Mr. Bergeron: ServiceLink Management Company, a subsidiary of ServiceLink NLS, LLC (”ServiceLink”) is in receipt of the referenced subpoena seeking copies of records pertaining a real estate transaction for 528 Nanquaket Road, Tiverton, Rhode Island to Vincent and Rebecca Majewski. A complete copy of ServiceLink’s file is enclosed and bates labeled SL000001-SL000194. An invoice for the production cost is also enclosed. ServiceLink considers the documents produced in this matter to contain non-public personal information and requests that the documents be accorded any and all protections from release or distribution pursuant to any public records laws, regulations, and policies, For privacy issues, a diligent effort has been made to redact all non-public information such as Social Security Numbers and birthdates, from documentation produced. If you have any questions please feel free to contact me at (904) 854—8849 or my paralegal at [email protected]. You'rs tr dolfo Rivera Chief International Counsel Fidelity National Financial 9/5/2018 9:21 AM E . . n <1» m_“wmwwm BLACK Q&zX/KNIGHT" . FINANCIAL SERVICE S 5/24/16 T0 Mr. Thomas Bergeron REMIT Black Knight Financial Svcs Unauthorized Practice of Law Cmte PAYMENT Attn: TMead Rhode Island Supreme Court Clerk’s Office T01 501 R'VerSIde AVenUE, T2 25o Benefit Street Jacksonville, FL 32204 Providence, RI 02903 ‘ Re: 528 Nanquaket Rd QTY DESCRIPTION TOTAL PRICE 194 Copies and preparation of documents m response to $0.20 338-80 pages subpoena Shipping and handling $15.00 $15.00 TOTAL DUE $53.80 Make all checks payable to Black Knight Financial Services, LLC. THANK YOU! _._..._,, ‘ a", "Elsiai'cks‘é'riviné47 a} ?.QPJFI‘RiVéréié'e’ Av'léfiéé‘ 9/5/2018 9:21 AM Fax Server 6/25/2015 10:13:59 AM PAGE 1/002 Fax Server Tn: STEPHE‘I MCNBIL me: INXOORBI Dntc:06/25/2015 Tlnm 10213212 '. SermceLmk. .. a! 1!. . Mfg “>1 Wm gaxys‘aomssz. :sm mum» ((2 ~ 0.07 1400 CHERRINGTON PARKWAY, MOON TOWNSHIP, PA 15108-4356 PHONE NUMBER: (800) 634-8908 ORDER g; 28966370 *Forfiuvher ordarin/‘onnafion, please accuss cWip via Illa SERVICELINK )l'cbsile. qmammm: PT - TITLE SEARCH pURCHASE ommmm 0605/20] 5 09:52:54 i ‘ FEE FOR fins ORDER: s 73.00 mmmmmmy DUE: 06/26/2015 09:52:54 CLIENT: SERVICELINK ~ FALSETTI a ‘ I 3400 CORPORATION DRIVE ALIQUU’PA, PA 15001 Bomowmz: VINCENT MAJEWSKI co-BORROWER; REBBCCA MAIBWSKI SUBJECT: 528 NANAQUAKET RD , co-Hon-m PHONE: co-wonx PHONE: CITv/ST/zm TIVERTON, RI 02878 comma NEWPORT Am . HOME PHONE: OTHER CONTACT: ' WORKPHONE: 0mm 1°11an: ' BUSINESS NAME: ' SALE PRICE: s 0.00 ESTIMATE) VALUE.- s 0.00 LOAN AMOUNT: s 0.00 ' CURRENT OWNER: NINA SAULEWSKI-POOLER YEARS OWNED: ' ' MORTGAGE HOLDER: LEGAL DESCRIPTION: ORDER INSTRUCTYONS Tp’pc *‘iflhflfifififiiiflfiiM‘i-‘vfiéats Wikflt*firhis is a PUIChaSe Tine Requirements: A minimum search o! 20 years must be completed. (With EXCEPTION oi MA where a 50 year search and altorney cerlificalion Ieller i5 slill required). ln [he Slales of Arkansas, Louisiana and Missouri a FULL 30w. search is required. ln lhe Stale of Maryland a FULL 40yr. search must be compleled noting all easements and reslriclions of record. The search musl be {o an arm's length transaction and nol belween family members and it must show a valid consideration The granlor must be checked for any open morlgages and judgments. Please nole [he limeframe lhal was searched for CC&R's (Example 1905 lhioUgh 2011). Note: All Covenants, Condilions, Easemenls and Restriclions affecting the subjecl propefly must be noted on search even 11 you mus! search beyond the search periods specified above. Please include COPIES OF ALL DEEDS IN THE CHAIN OF TITLE along with any pertinent documenl copies. If search resulls find 111a] Ihere isa currenl land contract on lhe subject properly, please provide a copy o! the conlmcl, as wall. Finally. the search must include if (he subject properly is a Condominium. PUD, or waterfront. (11 yes, please provide name and reference of (he Declaration of Covénanls. Condilions and Reslricllons). . Nole. Please provide name, address & conlacl number of lhe Associalion. Page 1 ofz SL000001 9/5/2018 9:21 AM cusm E(L/‘(ijfté ORDERW TDDALSJWE é/a/LV nonnowgfis Mc n‘atn-l— No.4 8-108 ‘61” 5003555 S L? Hm m Q Uk‘k—Q’F‘ km; J 5/25/15 MUNICIPAL“: 'TN-U‘W coumv W smmg ,__.DEDE BOOK/oja PAGE 8’3 \ snmzog 3391/: HQWND/ Matias MEM/ fooofe/ mc/ Muza‘ Su/tws'k‘y. Poa/V'Hfl-v IE m ll/Zfii /aS aw (Iba/ar comflzéfl-D “W copy LEAL Q” LEASLLAND éssxém} mo v ®_ Nami eooxlpnee _ 15mm Lug b3 l pAnceuoq #6749” Wm 354 60 eunome l / ? 7 (7 0 Tom ASSESSMEEE H78 850 ’56 YEAR 3015 nr (575—mus ‘AE opsu 05!! Auburn 335V nggpATs 7 /( ”,5. '53 YEAR 973.3’7J'smus nELc: Amoum‘ 215,9 “DULDATE [a f1 I Pam fig) ”5 ‘53 EAL! um} smus emu 6Q DELQ AMOUNT 2"“! DUEDATE l [I /’é Z/‘Sq’x YEAR Van \“imus PA DELo nmoum— nusoNa '{flflé ' DD Io c ‘3 aoo I 360 l LENDER K85 C(y'fZMS IUWQ‘ . Jigs y(n sis En 5 94D m %//Zfl/ fl 0Q /o( /// AMT 300 0 r9 0 000 V(f-h opsgguuggc g 23 AMQUNT360 MATUgmroms flowagfim wt: mam FAGE Rmogm N073 aooxlvAGE ______ LENDER . my N SIG D DATED REC Mm mpg; v N Ambum' MATE MLV N glam aooK mu mgL qugqpm Logs MANK/QNV :unesmsms v/r’hv AonmouALMTe v fl ADDITONALCHAIN 6 0R No P‘U‘ K mores $ufllfl 53w Samcl‘ Mk1 fifkf. SLOODOOZ 9/5/2018 9:21 AM SRMABSTRACTORS ADDITIONAL DEED IDEED CHAINS 01mg“ ?AGELOF .oruemm. mam peso m 6.:ch J. Mfififin m/ Anna Lxflfigqn HPL‘J Flank J“, «40/ To: a/muy, and bomflpyp. Cbnfiy O‘IrwAr 0mm Z/G/fl/Recomo 7/21; 7 MOKESL mag 322 commemowfiw—’ “"3 ' suassaumcommcs'ME @M— Chum memank Iconlxwlzna/af/ 00m+4yrb~caan MW V; m EJWO’ ”1‘ gowaxfuqm l. ?A'X 3‘4 ~ DAM Raconoeofll won PAGE 775 mmmmon: sumaeumcowmcems Qua» China mo”,- gdwwc/ I41. aa/éasigwm To: F/Mk 3760an Zu/ aa/ 90/292444 9~Cona£f 7f l amen. 273153 RECORDED J‘f/f/fi eooxgq M61379 consmERAmNL—_£___ - sussaquswgoon Mcemsj/bé (Leia “’GF’MK E 37 flawwfl . moat inuj m 702003431 D-ém/Ey FEr hkg jgszfggfiu DATED: /fl’{&iscomm BOOKS! “(f ‘ iMeg CONSIDERATION: euassaumncommemm A claim FROM; SMH o9 .V’IQJ-es/‘os To. 7a llo/‘or-ner‘l—{cr IV MMMREWWM 800K312 magic consmmnon: a msquarrcomevmema Q U GFG/uTvx FROM: 134$“! (qe/‘F‘QT f V m; 'xTova Howarc/ IA’LL—Urum Mfimflflfifim /9 mg]. PAGE_LZ/ CONSIDERATION suassnuam cowmcawps mom T0: 0mm Ram 800K PAGE GONBiDBRATlONtF_—_____~ a. SL000003 " W 9/5/2018 9:21 AM ’= ‘ A9 NOTES “prmk T. c0447 $1401 11/37/1963 r “o4 235 /3s*o Oxs‘alam ITL~ DoroMj 0.0mm A(K/Ap Bomey D. COALUj @12/Q/Z/6‘6 MZ/Z/c?7 yr gag/éqg x 2342.4qu M mgr (Lu, xo/v/eg SL000004 —9/572018 9:21 AM . - Doc 91 O0005154 w: 1 036 P5: 93 ______~____WARRANTY DEED I, JOHN HOWARD MEDEIROS, consideration of TIVERTON, RHODE paid, grants ISLAND, (GRANTOR) POOLER, to EARL POOLER for HUSBAND AND WIFE, AND NINA address of AS TENANTS BY SZULEWSKI 9 STONY LANE, THE ENTIRETY, HOPE VALLEY, RHODB having an ISLAND, (GRANTEE’S), That property known IS§AND as 528 NANAQUAKET Assessors Plat 90 ROAD, TIVERTON, BX ibit A. LOT 14a, as more RHODE described in attached I, JOHN HOWARD RESIDENT MEDEIROS, DO OF RHODE ISLAND HEREBY COVENANT THAT IN COMPLIANCE WITH I AM A R.I.G.L. 44-30~71.3. THE GRANTOR COVENANTS 28.35-14 THAT HE HAS REGARDING THE COMPLIED WITH R.I.G.L. 28.35.1 SMOKE DETECTOR LAW; 23— REGARDING THE AND WITH R.I.G.L. CARBON MONOXIDE LAW. 23“ IN WITNESS to be WHEREOF, the undersigned executed this 29TH has caused these day of November, 2005. presents STATE OF RHODE ISLAND COUNTY OP NEWPORT In NEWPoRT, the 29TH day of personally appeared No'irember, 2005, me JOHN HOWARD MBDEIROS, before me to the person to me known and acknowledged executing the foregoing known by said instrument instrument, and and deed. by him executed to he be his free act f j; NOTARY PU IC: My Comm; sion Expi es: I TM Ta‘il'm'ON 15' [$359 UWIEYNfi 885208 T1311. I: G LZ' 557"!- m SL000005 D - ‘: 0030515‘ ' 33: ?035 Pa: 84 EXHIBIT "A" Tha\ certain raél estate situated In the Town of Tlvenon. aforesaid. and described as follows: Beginnlng at a point in the aaaheriy line or Nanaquaket Road at tho southwesterly Gomez: o! the land to be dascdbed and at me nonhwesteny comer of land oi Kenneth E. wood a! ai. thence runnmg Eastefly by land of said Kenneth E. Wood e! e]. five hundred twenty (520) feet, more or less, to Um high water llne of the Nanaquaket Pond; thence running Nonherty by the high water tins of said pond one hundred (1 00) feet, more or less. fora comer: thence runnlng Westeny In a line parallel with the southedy line herein five hundred thirty (530). Iaet, more or less. to the easteriy tine of said Nanaqueket Road; thence running Southeriy In the easterly Hne or said Road one hundred (1 00) feet. more or less. to the Point o! beginning. and conmlnxng one (1) acre and torty-two (42) rods, mom ortess. Said pmmlses are conveyed subjectto the following restrictions: 1. No buitdtng shell be erected thereon excepting one slngle-famiiy dwelling. and a garage for not more than twa automobnes. excepting that e boethousa, a toolahed and a kennet may be erected on the oaateny two nundmd feetofthe land herein conveyed. 2. Any building erected thereon shat} be set back thirty (30) feet from tho front [Ina and at toast hen (10) feet fmm the other boundary tines. ' 3. Na commercial business shat! be conducted on said premises. 4. The dwelting erected or to be erected thereon shalt cost no teas than 87.50030- 5. The dwelling to b9 erected thereon shall have a septic tank. Balng the same premises conveyed to said Massachusetts Limited Partnershtp by deed ot Batty A. Medetroa, dated April 8, 1993 and recorded tn Wench Land Records tn Beak 388 Page 340-341. PROPERTY ADRESS: 628 NANAQUAKET ROAD TIVERTON, RI 02878 AP 90 LOT 14A RECEIVED , . TOW 0F TIVERTBN Nov 30r2005 11:12H9A 6H0 RECORDED A EBT NANCY L. HELLO; I N CLERK (WIWPFOJOSJBDO-Mlfl) SLOOOOOB 97572618 9:21 AM « fl'.:n-.. om. . . .- . Doc #1 00005154 ER! 1035 P3! B3 WARRANTY DEED I, JOHN HOWARD MEDEIROS, of TIVERTON, RHODE ISLAND, (GRANTOR) for consideration paid, grants to EARL POOLER AND NIfiA SZULEWSKI POOLER, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY, having an address of 9 STONY LANE, HOPE VALLEY, RHODB ISLAND, (GRANTEE'S), with WARRANTY COVENANTS: That property known as 528 NANAQUAKET ROAD, TIVBRTON, RHODE ISEAED Assessors Plat 90 LOT 14a, as more described in attached Ex i it A. I, JOHN HOWARD HEDEIROS, D0 HEREBY COVENANT THAT I AM A RESIDENT OF RHODE ISLAND IN COMPLIANCE WITH R.I.G.L. 44-30-71.3. THE GRANTOR COVENANTS THAT HE HAS COMPLIED WITH R.I.G.L. 23- 28.35-14 REGARDING THE SMOKE DETECTOR LAW; AND WITH R.I.G.L. 23- 28.35.1 REGARDING THE CARBON MONOXIDE LAW. IN WITNESS WHEREOP, the undersigned hés caused these presents to be executed this 29TH day of November, 2005. / // I wmmsq" l STATE OF RHODE ISLAND COUNTY OF NEWPORT In NEHPORT, the 29TH day of November, 2005, before me personally appeared JOHN HOWARD MEDBIROS, to me known and known by me to the person executing the foregoing instrument, and he acknowledged said instrument by him executed to be his free act and deed. . I/ xa/r NOTARY PUBLIC: My Commgfiéion BxpiLes: KmHawa Notary Ifubuc ton MY 51 433 CW mag 5/3/07 TAX mnfi 1.43519 005208 :' UCH z mnemx «.J SL000007 '9/5/201 8 9:2'1 AM . A: 00005154 ' 3331 s Pa: 84 EXHIBIT "A" That certaln real estate situated ln the Town of Tlverton, aforesaid. and described as follows: Beginning at a point In the easterty [Ina ol Nanaquaket Road at tho southwesteriy Comer of the Sand to be described and at ma nonhwaaleny comer of land of Kenneth E. Wood e! al. thence running Easteriy by land of said Kenneth E. Wood e! al. five hundred twenty (520) feet, more or less, to the high water line of the Nanaquaket Pond; thence running Nonhedy by the high waterline of said pond one hundred (100) feet. mare or 1985. for a comer. thence mnnlng Westafly In a Hne parallel with the southeriy line herein five hundred thlny (530). feet, mare or less. to Ihe easterly llne of said Nanaquaknl Road; thence running Southerly In the easterly nne of said Road one hundred (100) feet, mare or less, to the Point of beginning. and oonmlnlng one (1) 8cm and fnrty-two (42) mds‘ more or less. Said premises am conveyed subjem to the following restrictions: 1. No building shall he erected lhereon excepting one alngle-family dwelling. and a gamge for not more than two automobiles, excepting that a boalhouse. a toolahed and a kennel may be erected on tho easteriy two hundmd feet of the land herein conveyed. 2. building erected Any thereon shall be set back thirty (30) feet fmm tho fmnt line end at least ten (10) feet from‘ lhe other boundary lines. 3. No commercial business shalt be conducted an satd premises. 4. The dwelling erected or to be erected thereon shalt cost no teas than 57.50000. 5. The dwelling to be erected thereon shall have a septic tank. Being the same premises conveyed to said Massachusetts Ltmited Partnerahtp by deed of BallyA. Madelros'. dated April 8. 1993 and recorded ln ‘nverton Land Records In Book 396 Page 340-341. PROPERTY ADRESS: 528 NANAQUAKET ROAD TIVERTON. RI 02878 AP 90 LOT 14A RECEIVED , TOW 0F TIVERTDH Rev 30‘2005 11i12l‘95 AND RECORDED A VEST HéHCY L. “ELLOL T N CLERK (os-zooo-oqun/os-noo-oum SL000008 u 9/5/2018 9:21 AM 62c SH I‘S W . . , .z..~'- nu! 03227 191 QDITCLAIH DBRD 72 Properltiea IV Limited P'artne'rahip, a Haalachuntta Limited Partnership. Raving an addreaa of 285 Main Street. No. 439, Fairhavem Massachusetts 02719,'and recorded on April 8, 1993, for consideration of tan {$10.00) dollars. grants to John Reward Medeiros of 285 Main Street. No. 439, Pairhaven, Hananchuaetts 02719, with quitclaimx x covenanth: That certain real estate altu‘ated 1n the Town or Tlverton, aforesaid, and described us follows: That certain lot or tract of land situate on the easterly side of Hanaquaket Road. bounded and described as follows: Beginning at: a point 1n tho easterly line of Nnnaquaket Roa'd At the southwesterly corner of the land to bc described and at the northwasterly corner of land of Kenneth E. Hood er. a1, thence running Easterly by land of said Kenneth E. wood et a1. five hundred twenty (520) feet, more or lean, to the high water line of tho Nunaquakob Pond: thence running Northerly by the high water line ot aaid Pom! one hundred (100) feet. more or lens, £0: a corner: chance running- Hesterly 1n a line parallel with tho southerly line herein Elva hundred thirty (530)- feet, more or lees. to the easterly line of, mid Nannqunket Road; thence running Southerly 1n the easterly line of said Road One hundred (100) feet, more or less, to the point of beginning, and containing one Cl) acre and forty-two H2) rods, more Dr 683v . said premioes are conveyed subject to the following restrictions: 1. No building ahull be erected thereon excepting one eingle-famlly avelnng, and a garage for not more than two automobiles, excepting that: a boathouse, a toolahcd and a kennel may be erected on tho Q- ' easterly two hundred feet o: the land ‘herein conveyed. 2. Any building'arectod thereon shall be lee back thirty (30) lee: fiom the front line and at least ten (l0) feat from. the other boundary n95. 3. No Commercial business shall ha conducted on said premium. 4. The dwelling erected ox- to be erected thereon shall cost no Ion than $1,500.00. ~ 5. The dwelling to be erected thereon shall have a septic énnkf Being the name premises conveyad to said Maaaachuaettl Limited Partnornhip by dead ot Sally A. Madeira, datod April 8, 1993 Inn . nu . ... “v_- ”v, - Q . u... _~...... -—. . SL000009 9/5/2018 9:21 AM ' ...._.. . ‘ “Mwa4. r 192 racordod ~1n ?ivorton Land Recordl in Book 398 Page 340-3“. Subject to an nuns and oncumbuncon o: record. \ Thin title ' not examined by preparer. . witnou our hands and naala thin ID. day o! Decwbor. 1997. 72 Proparltlol IV Limited Partnership COMOWLTH OF MASSACHUSETTS ' Brintol, an ' December Ia , 1997 Then personally appeared the ubovo~namad John J. Madeira: and Bally A. Hedeiroa, Onnezal Partners of 72 Properlties IV Limited ‘ Partnership, and acknowledged the foregoitig instrument to be the Exec act and deed; of tho General Partners o said Limit Partnership, befom me Rscaw Town or nsf‘eomun 9mm Pu M0 I AND RECORDED ATTEST . HANNIBAL F. COSTA. TOWN CLERK I\ 3 L wnb . . .pa.‘ .,. .-.. x- . {Hula} :1 ‘ H; raéflsilj . .‘jdq‘gn .5. 99.41,; Huh , n . a I 9"} . . nmf“ ‘ saainnvi~ . .' ..: - V) ’3": -.é! Liikgfluw - q£;¢- JJJi? . ,.-\ Q .V:;.\-;c.“'. '.x-."c.n...l..fl'lfil'« 'il“ ...( igl'ufi‘ um Bun o IPH-‘é, a ' 7) .' .:-_“ b' . , I .Y. i” h a .. V's L. .2“, '.. ..~ .‘_W‘“u -.~ SL000010 Aflnfii’M‘W, . 9/5/2018 9:21 AM By» m2 P3 3V0 I '.- . 340 03393 QM DEED 1, call A. Rodoim ot 285 Hutu struck, Ra. 439. ralrhawn, munchuut I 03119, tor commutation or 1n- than on. hundred dolllrl, grunt to 1a noputin 1V Multoa rntnorlhip, a Hannehnnttn Linked Partnor-hlp; having an addruo ot 285 Hun shunt, No. 439, r11 havnn, Han-nohuI-ttl 02719, and raccxdod on with , I . 1993. quitalaih oovonnnt-z fiLQEI . a . ) That certain real. outnta situated 1n tho Town of Tivatton o- ' aforesaid, and doucribad a3 follows: Iwruncuqtmzbntjrkmnc1;77vtrtzr7.£§l That: certain 10!: or tract o! land situate on the ennturly nid- ot Ranuquakct Road, bounded and described n5 follows: Beginning at a point 1n tho unutorly lino ot Rannqnnkofi Road at tho southw-ueerly cornor o! thu land to b. delorihad and at tho northwesterly cornar of land of Kenneth E. Hood at a1, thenc- tunnlng Easterly by land o! said Kenneth E. Wood ct 31, tlve hundred twenty (520) feet, note or lass, to the high water lino of tho Nanaquakat Pond; thence running Northerly by the high water line o! said Pond one hundred (100) feet, more or less, tor a cornar; thence running Westerly in a line parallel with the southerly line heroin rive hundred thirty (530) tent, more or less, to tho easterly line o! said Nanaquuket Road: thence running Southorly 1n the easterly line at said Road one hundred (100) feet, more or lane, to the point o! bnglnnlng, and containing one (1) acre and torty-two (42) rods, not. or lean. Said premises are conwyed subject to the following restrictions: - :39? , 1. Ho building shall be erected thereon excepting-onc aingle- Q u family dwelling, and a garage tor not more than two automobiles, excepting that a boathoune, a toolshad and a kennel may be erected on tha easterly two hundred teat ot the land heroin conveyed. [Locud 2. Any building erected thereon shall be net back thirty (30) teat: {tom the front lino and at least: ten (10) teat: from the other boundary lines. 3. No Commercial business shall be conducted on said prenluea.‘ 4. 'I‘he dwelling oracud or to b. created thoruon than cont not lu- thnn $7500.00. ‘ 5. Tho dwelling to b. orocéod thoroon Ihall have A aaptlc tank. -'.\‘ .. n: SLOOOO’H 9/5/2018 9:21 AM ‘ ' ~ - ~ 341. ' aging eh. gum prunin- convoy-d to n by will o! Dorbthy D. Darling, Probat- I 1692, Eifio'xdod 1n Tivorton band Rocozdt, Hay 1986. subject to n11 llonu and encunbranca- or r-cord. Th1- fltlc not axanined by'tho pnpuror. . And thin ot lillhuu my hand nal 8gb day I )Ef 1 I , 9935 H cofiHONHBALTH O! MASSACHUSETTS u Dagcdl )5 H g, E E23 i - {u W,Tfian personally 'appcarod thu above-nnued Bully A. ncdoiron and acknowledged tho foregoing inlttunant to b. her tron act and dud, boron u . g ' RECEtv WW?!- nF magma" AND fiEODRDfD AWE" HAHNINL F. cosu 9300? ~8 mu um mm, 2,, . I - I “7- x. No ry u a Hy*Mhfi-Mgmcouiulon Expira- SL000012 9/5/2018 9:21 AM Wade, gt 3» f3 W . .. MATE 0F RHOU‘EJ ISLAND =31}. PROBATE 00:19?! 0F THG 'CDUHTY 01“ HEWPO‘TI‘ TOWN 01" TIVERTOH Estaza or PRJx‘K J. 60mm}! Dacember ll, 1955 Died Testabe 11/27 1965; domicllsd 1n Tlvorton. Paruonnl estate nshlmated n1; $3 20,000. You» petitioner balm: the widow R: exocutrésx prays 1mm; b‘ne uocomnanyi‘nn lnsb‘numonb dated November 56h, 1965 may ho admitted ho noobmzo us the last: will and testamanh oi.“ the deceased and that; lotters testlunantnry mu}! ‘ne isauad b0 mm axecutov. Decaasud la-‘t a widow ant] the l'ollowing heirs M; law who would inherit: had deceased died intestate; Name Residence Qalationshin Dorothy IL Conley Hanuqunkot Road, Tivuvton, imofle Island Widow Walter Conley Middletown. llhorle Island Bvother Reeves Conley Newport, Rhoda Island Brother- Jounnctte Siengvislz Newport, Rhoda Island Sinker {-ny Conley Newport, Rhoda Island Mother Doro thy l) . Conley ' The undamigned, ull of full arse and sound mind, waive notice ol‘ the pendency ot‘ the foregoing pntition nnd assent to action thereon by tho Cour»: ab any tima. l chpm-b Bo. Doc. e. 1963. Subscribed and sworn to bel‘or-e me Edward LS . Dolbashirm Nobm‘y Public. DEG REE . Tho instrument herewith presented may be admitted. to nrobuta us the L‘sh will and hestamunt or Prank I). Conley douenaod,’ unnn the filing oI‘ a bond 1n the sum o!‘ '53 50,000.00 without: surety, latters testamentary mny be issue to Dorothy D. Conley ox‘ Tivemzon, Rhoda Islund. David J. Dunne o.“ said 'x‘ivevton Ls anpoinhed aum‘uiser. .Tamury lath, 196': . James E. Jlollsmd, jr. Jndga or Probate. SEATS 0F RHUm-Z ISLRIID Ifcif. PROBATE 0037i”? OF THE comm“! 01> mcwom- Town 05' TIVERTOM szsbuta or FRANK .1. cdumsx 11. Know AL; hm}! BY THESE PRESENTS, that I, DOROTHY D. COMLEY 01' Tlver'mn in the Santa of “.hode Island as m‘incinal holdun nnd Stand firmly bounden and obliged unto snid Court 1n the full sum of Thirty Thousand ($30,000.00) dollars to be maid thereto: £0 the true payment; wher‘eof I bind myself my successors, heirs, executors and administrators jointly and snvorully firmly by those presents. Sealed with my so..1 thin 18th day of Jnnunr'y AJ). 1964 THE CONDITION Dl-' ‘l‘lIIS OBTAIJMTIOH IS SUCH thub 11‘ the above baunden pvinclval the duly aopoinbed Dorothy D. Conley nhnll faithfully perform her duties according b0 law us such fiduciary, then this obligation to be void, otherwise ho remain in full force anti vi rt: ue . Signed am! scaled 1n presence of Dorothy D. Conley Edward Id . Dolbasui an STi‘cl‘éI Of" 32110317, ISLAND 5:6. PROBATE COUR‘E‘ OP THE COUNTY OF NEWPORT TO‘HN OF TI‘MR’L‘ON rintabo 01‘ Frank J. Conley January 18th A.D. 1966-. To: Dorothy D. Conley o! the Term 91‘ ?ivex'bon aforesaid .fl GREETI HG: fv‘g’ SL000013 / 9/5/2018 9:21 AM You having; quulif'lad us lEKECU‘I‘EIIi of tho ‘u'llll of Frank J. Conley, late of the Tomi 'I‘Lvurton aforesaid, decenmd, m-o by bhs so presents vested with 0,11 the power and 'a icy to said office by. law belonging ‘ By the C cum; , ~- Herberu s. nambly ‘s‘l I L L KNOW ALL MEN BI THESE PRESEHTS THAT WE, F‘HAHK J. CONLET'I un~.l DOROTHY D. (JONLE'I, Husband And Wife, both or the Town oL‘ Tivorton, County 0P Newport in bhe State 01‘ Rhoda Island, both being lawful uga and or sound and disposing mind and memory. with full mlowledge of tho ‘ob or our bounty, and mindful 01‘ the uncurtalnbien 01‘ human 111‘s, and intending to di's’ 03: 01‘ ull our property and osbunu upon our death, do make, publish and declare this mi ‘ Last W111 and Testament, hereby expressly- revolcing any and all other wills, codiofl. or testaments by us ab any time heretofore mnda. ' FIRST It: is our joint: :md several will and desire that tha SURVIVOR, eithar thh¢ said FRANK J. COHLEY, ox‘ bhe said DOROTHY D. COMLEX', shall immediately become - nossqsscd oJ‘ any (1nd v.11 property that tho othep has or may have at death, whether b} be personul proner’ty or roul nroperty, or 01' whatsoever nature, to have and 1:0 hol‘d the same in [‘eo simple. SECOND THE SURVIVOR of'chu other is nominated and appointed as Executor- or Exacutrix 01.‘ bhe applicable portions 01‘ this our Lnsh Will and Tssbament, and v10 hereby direct; bhul: surety 01* :sux-ebiea on Probate bond or bonds 1‘01‘ the suid Executor o» Execubrix he waived, und the Executor m‘ Executrix, as the case may be, to nay an just. debts 11nd 6x17011505 01' the deceased. In the event the said Survivor, whomever it 01‘ quy be, is unable b0 serve in tho capacity Emcutor or Exocutrix wherein applicable. :1 EDWARD M. DOLBASNIAH, ESQUIRE, 0!“ uhs Tovln 01‘ Portsmouth, County of Newport in the Stuta‘ of Rhoda Island, mu- !‘rlend um! counsel, is nominated us Executor of tha apollcable ,~ portion 01‘ this Limb Will nnd Tcstnmunh, and surety or surebies on hie Probate bond or nonds um waived. THIRD In aha event or our simultaneous deaths, or the survivor of the other ls unable ho bake 0v b0 exuoute a new V1111, it is our Joint and several will and desire chat. the following he done: ll. - Wu give to JACK liIEm 01‘ bile City 01' iv'.-.11 River“, County of Bristol in t‘ne Commonwealth 0F Massachusetts, my estimable partner in that Firm known ns PETROLE-J.’ .'. HEAT Arm SUPPLY, a Blassacl‘ulsetbs corporation, with a principal place o!‘ business' situate in the said Git}! oL‘ {"211 {ivory Liussuchussebts, twenty—nina (29) of my rovEy—nim (49) Sharon in tho said corporation, to have and t0 hold the same in fee simple. B. ~ 'r’le Iglve to E‘YE-Tu-ITT TllOIU-I‘l‘OI-I o!‘ tho City o! Fall “fiver, Coufity of Bristol in thus I'Jonxlrlonz-Ia.(1hh of Massachusetts, u loyal umnloyae in the Finn hereinbeforo mentioned PETROLEUM £££le AH?) SUPPLY, 02‘ P2111 R&ver. f-luasnchusetbs, ten (10) ot‘ my fortymine (I19) sharus 1n the said corporation, to have and ho hold the same 1n foe simple, in the event tho said Everett, Thornton is in bhe amnloy of‘ him said corporation urmn the death o! bhe mud E-‘mnk J. Conley. c. —we give to P-EMHFJL l-‘1‘-.HInS, ol‘ the city 01‘ l-‘nll River, County of Bristol 1n tho Commonwealth of Musuuchusotcs, u loyal emnloyee 1n hhe Firm hex'einber‘ore mentionad, Pl-fl'flOLEUI-i HEAT n‘dl) SUPPLY, of Full River, Massachusetts the balance numbering, hen (10) or my fortymine (49) nimreo in the comorabion, b0 have and to bold the same 1n Fee aimvle, in the event t‘no said Manual It\rian is 1n the emnlag; or the said corporation nb the time 01' the duath or lzhe said Frank J. Conley. D. - ‘nl'e tgivo all ol‘ om- renl estate 1n our name to SALLY mm nl.iF;S :«EI‘JHIROS, nresencly residing. Ln tho City 01’ New Betli'ovd, County oL‘ Bristol in the Commonwealth or‘ Lunssuchusobba, dearly beloved goclchild oI' Dorothy D- Conley, to have. and to hold the same 1n fee simple. E. -—We give blm rust and residue 01‘ our astute, consisting 01‘ rual personal. und/ot- mlzod bnnaibla cw intangible or or wlmksoevuv nature as well 'ls that over- whjxh we muy have b‘no power 01‘ appointment, including Hones Receivable due I-‘zumk J. Conley from Petrolmun Hem: and ?:upply, {Io tho said Edward 52. Dolbashiam, ESquix-e, to be hald in twat [‘02' tho comfm‘b unrl education of the na'id SALLY AH?! ALMS} MEDEIROS, hnc children, or to any donarvim; norson soaking u higher education who merits such assistance in the Opinion 01' our Tnuston. Our Tx‘lmbu'a may terminate this mu and make a distribution 1n Pee sL-nnlo to SALLY ANT"! HEDSIWOS or ha." children, ,ai; his discretion. I r-‘. — 'fio huva snscificully omitted fvom mention in this our Last; W111 and Teslamnunlz, tha nm‘onbs mfl brothers [\an sister: or I-‘x'anlc J. Conley und ull the living vulabions 01‘ the sulrl Dorothy E). <2onloy, {'ov in our opinion, they have means or their ovm, und it in our ohinion that tho disnoslhton or our estate, as set forth above, will work to the benefit 01‘ thong rm inbond to benefit. from our material means. U. — In tho ovum; (miss nnkl Clause Third shauld become operative, we nominate and mmoint thu anid Edward Ll. Dolbashiun, Esquinu, as [Cxacutor o!‘ this our Last Will 2nd SL000014 .l 9/5/2018 9:21 AM ostsmunt. und L111 appointments heu-eundel' said Clause Third shall be made: without the oqui-‘emnnb 01‘ I'm-nishiny’. zmy surety 0v suretius m1 any Probate bond..or bonds. a hereby direct said Executor to mu! ull our just; debts and expenses. IN WITNESS MIE‘REOF, we have haveunto set our hands and seals this 5th day Frank J. Conley Dorothy Ix . Conley l’RnHK J. floiflus‘z and DDROTH! D. COWLEY, h: sham! und Wife, the 'l'ustatovs oI‘ nomad 1n cha foregoing instrument, consisting ( ) pagan, including}, ch12 page, sinned the same Ln o'u' m‘enence 01‘ Portsmouth 1n the County or Newport, State of Rhoda Island, on the 5th Lluy 01' November n.0,, 195:5 and exhibited the same to us, and declarad the same to he. their Lust: W111 and Testament, (mu' tho signatures eppoaving hemhobefore urn: theirs, Imd requested us ho mun our namua as witnesses ‘therato. Vie then and there, at theix‘ request And in their m‘aseucu und 1n b‘ne preserzne of aach other, sinned our names as wi tnesses thereto on the day and year 155;: above written. Edwurd m. Dolmshlan Addrons — Portsmouth, R. I. Arman R. Johnson fxddx‘css — 59 Holland St” Newport, 3. I. t. TRUE nanomu ,' .l ..:) SL000015 9/5/2018 9:21 AM LAND RECORDS No. 84 P3 378’ QUITGLAIM DEED KNOH ALL MEN BY TmSH PRESBNiSfEhat I, EDWARD M. DOLBASHIAN,married, of t Em Town of Portsmouthflounty of Newport: 1n thn étate or Rhoda Island,£or consideration paid, grant ho FRANK J.GOHLBY ‘End and DOROTHY D.GONLEY, husbandmnd wife, both or bun Town of Tivertonflounby of Newport: in tine State of Rhoda Island, as tenants by the entirety and not us tenants in common, to them, their heirs and assigns foraver and to the survivor of them, WITH QUITCLAIM COVENANTS,bhnt cerffain real estate sitmted in tho Town of Tivartzon aforesaid,nnd deacribed as follows: That certain lot 01‘ tract of laud situate on the easterly side 01‘ Namaqua' Road, bounded and described as followis: Beginning at a point in the easterly lino or Nanaqualcet Rpad at tho south westerly corner of Che land to he described and at the northwesterly corner of land oI‘ Kenneth 13.?de et n1, thmce running, Easterly by land of said Kenneth E. Ziood ct a1, five hundred twenty (520) feet, more or lass, to tbs high x-mbor line 01‘ tho Nanaquakeb Pond;thence running Hortherly by the high water line or said Pond one hundred (loo) rest, more or less, for a cornemthenca rmming Westerly in n line parallel with the southerly line heroin five hundred thirty (530) feet, more or less, to tbs easterly line 01‘ said Nnnaquaket Road;thenca running Southerly in tho easterly line of said Road one hundrod [100) i‘ee t,moro or less, tc the point: oi beginninggnd containing one (1) acre and rartyvtwo (1.1.2) rodsmoro oz- lass“ Said premises are conveyed subject. ho the following restrictions: 1.}Io building shull be elected thernon sxnepting one singlo—i‘nmily dwelling; ,nnd a garage ror not more than two automobiles,excepting that on the easterly a boathome, a toolshed mud a kennel may be erected/tuo hundred feet or tho land herein conveyedo 2. Any building erected thereon shall be set back thirty (30) feet from tho front line and at leash ten (10) feat from thc abhor boundary lines. . 3. No commercial business sh’all be conducted on said premises. h. The dwelling; erected or to be erecbsd thereon shall cost nob less than $7500.00. S. Tha‘ dwelling to Iba erected thereon shall have a septic bank. The consideration is such that no stamps arc required. this gruntor by deed or Frank J .Ccnley,2nd. Being xthe snme premises conveyed to XY‘Cmm/(XX‘GXKXAKKWXMKX‘ELYXXX-Xsm 3rrd day or April, A. D. 1958 dated xtl-a xfimwxmmmummmxmm recorded in tho Records or Land Evidence of the said Town or 'l‘ivel-ton on the 93h day“ of Apr11,A.D.19518 1n BookBI'yfi at pages 376 and 37]: ANN T DOLBASHIAN 1f I‘ bh id And 'Ia, mmmmsitmm ma: "mMmc‘imiivmmmdmm «mm Granto-u2,1‘elense unto the said Grantee all our right: of Xifififfiffiyfl douer 1n tho aforedescrlbed promises. IN WITNESS ‘dlEREOFfl-Iu have hereunto 59b our hands and seals this 3rd dny or Apri1,A.‘D.19§8. Edw‘az‘d N. .Dolbashiun (LS) In presence or: Ann T, polbashign (LS) Jnnot M. Chappell SL000016 9/5/2018 9:21 AM D'IU LAND RECORDS No. 84 £3 371 State of Rhoda Island Comty of Newport - In the Town of Tivarton, said County and Stats, on this 23rd day 01‘ April,A.D. 1958, then personally appeared before mo Edward M. Dolbushinn and Ann.- T. Dolbashlan, to me Rmoim and lmmm by me to he the parties executing the.1‘oragoin§5 instrumant, and thay declared said instrument, by them executed, co be their free act and deed. Before me, Janet H.ChaEEell Notary Public TOWN CLERK’ S OFFICE TIVERTON, R. I . ~ A trua copy of the original instrument received L‘or record April 9,1958 ab 3:1L1 o'clock PJI. STATUTORY FORM OF TRUSTEE'S DEED KNOW ALLMEN BY THESE PRESENTS that I, Eleanor l-I.Tavurea, or 216 Anthony Street, in the City 01‘ Fall Rivorfiounty of Bristol and Gomonwaalth of Masaachusebts,as trustee under Deed entitledz- “Donat D.Nollo,et ux, to Eleanor Murmvares", and recorded in Land Evidence fiecords 01‘ tho Town of Tivérton, County of Newport and State of,Rhode Island 1n Book 60,11: Pages 8—9—10,nnd by the powor conferred by said Deed and by every other power ma bhcrsunto unubling, and also at the written request of the beneficiary, Donat D.?‘iollo, for Ten Dollars ($10.00) and other good. and valuable con- sideration paid to me, grant to Donut D.Mollo_and. his heirs and assigns foreverp? That certuin lot or tract of land with the buildings thereon situate on the southerly sida of Borden Road in the Town of 'I‘iverbon,Com)ty 01‘ Nmport and State 01‘ Rhoda Island, Beginning at a point in said Southerly line of Borden Iiond, approximately 131.61 feet westerly thereon from the inter- section of flubhiar. Avenue and said Borden Road; said point is the nbrth easterly corner or the tract to be described; from thence running southerly by other land or the grantees, one hundred (100) feet: i‘or a corner;1‘rom thence running Westerlyfifl'ty (50) reab,moro or less, for a corner;from thence running northerly by land 01‘ T.Souz.a,cne hundred (100) feet, more or less, to Bordon l‘oadmnd from thence running easterly b); said Bordon Road, fifty (SO) feet, morn or loss, to the point of beginning aml being the westerly portion of Lot #101 on revised PLAN OF RIDGEVIBH, dated flay 11,1951, and filed in Tlverbou Town. Clerk's Office figy 26,1951. Said premises 0W: conveyed SUNECT T0 the rnntrtctions covering other lot on said plan, in so fur as they apply to this particular tract. 'DIVEH’ ‘01; Baing the :mme premises described in the deed entitled RIDGEVIEW 0F , INC, T0 DOHAT D. NOLLO AND ANGELIHA C. MOLLO dated J1me 5,1952, and racor ed SL000017 9/5/201 8 9:21' 7AM— LAND RECORDS No. 84 4’3 376 have: una‘ enjoy the said pmmisosmnd tlmtz,ue tho said Granbom nill,aud our hoirs,execubnrs and~ administratormnball Warrant nnd defend ‘bho Same ® to Iz‘no said Grantees und their heirs urn] assigns forever against the lawful claims and demunfis o! all persons. Ana for the consideration aforesaid I, Lorraine IP.Bonudoinmire) ol' Roch B.Eieaudoin, and I, Roch E. Banndolnmusbnnd or Lorraine F. Boamdoin, do hamby release all our rights of dowermurtasy and homestead in and (Jo th w :mid granted premises unto tho said Granbeug and their hairs :1an assigns, forever. In Witness whoraol‘,we hnvo hereunto sob our hands and seals Izhia oighth Guy oI‘ April 1n the gear of mm Lord one thousand nine hundred and fifty- eight. Executed in the p rasance of E. William Crowther Roch S. Bnnudoin (15) by both Lorraine I-‘Jieaudoin (IS) ® Communal th 91‘ Ia‘assachusnbba County 01‘ Bz'iscnl_ J—n Fall River on tho eighth day of Apz-11,~A.D.19SB. butore me personally appeared the abova named gx-nnlmw finch E. Eenudoin nna Lm‘mine F.53audoin, to mt: known and known by me ho be the parties omnubiug tba foregoing instrument, and acknowledged said ifishmmmit ,by . then executed, (m ba hfioir free ant ant] dead John \'-'. Bordon (SEAL) Rntnl‘y i’ublic_ my comxiasion expires dune 1L,1959 ’l'Q'us'}! CIERK‘B OFFICE TIVERTOH, P. I. A true copy 01' tho oz-iLJnuI instrument received i‘m‘ :‘acord ‘ April 8,1956 al. 3:31 o'clock P.I-i. . I M t i “tea ‘ tzfiwg‘xx Z x ?%‘t/ynilfy v’ Hcrfiert: S . Zimubly ,‘J-oz-m Clo r1: {- Q"-LTCLAI'rl DEED @ film?! ALL Km: 3:" THESE PRE EHTS: TilA’P HE, FRANK .T. COhLEYflnd anu‘. DOROTHY D. COEFLEL'm-mbmnd 11nd wil‘e, ibobh 01” 12hr: 'l‘owu o!’ Tlv-wtonfluunty of Hamper: in th Shuts: 02‘ iihocie Island, for consideration paid, grunt: :0 {Sizimnn i-i. DIJLBASHIAN 01’ Hm Town 01' Portsmouthfi nut); 0f Hchoz-u in him}. 531mb: of Rhorha Island, .lu 13:5: sjmpln:,ui H: QUITffL/Lm IEOVEri:\.‘.“-‘.’-‘,,tlm‘-z curtain rrml cMrII’s-a situated 1n th-a Town ol‘ Tivarhon,ut‘umsaicl,unxl rlMaru-nc! As Pulleys: That: carts. n lot: or tx-nnt nf' ‘Iazu‘i :2zituuM an tho ans-‘zm-Iy :idv o! Ennnquaket Road, hounded nmi (Iaszm-i‘ued as follows: . Eiiuzinniug (II: a point 1n 1:113 aw: “1!! 11an oI‘ Runalgnnlmb Road m. bhu south- weslmrly garner o!‘ thy T-nvj izo he 6—4 Tiber} and at: the: norblwuuueply corn: '7 ol‘ or land Kenneth B. “inod cl; a1,thmme running; unstarly 3):; ‘Lmu‘. of Bnld Kenneth ‘3. Wood 5:1; a1, five Hundred lzwnnby (5'20) ['o-‘vbnnox'a (n' lune, to th) hiph Haber ‘1nn or the Hanuqnnueb Pundwl‘mncc running: l-‘m-thex-Iy by aha inter 1111-3 nf‘ said Pond om andI-au (18-0) {wmlnm'sz or loss, {‘o)‘ n SL000018 9/5/2018 9:21 AM LAND RECORDS No. 84 Pfl 377 corner;thonce running Westerly 1n a line parallel with the southerly line herein five hundred thirty (530) feet,more or loss, to the easterly lino of said Nannquakat Road;thence running Southoé‘ly in the easterly line 01‘ said Bond one hundred (100) feet, morem‘ 1233'; to the point of beginning, and containing one (1) ucre and forty-two (11.2) rods,more or lass. Said premises nre conveyed subject; to the following restrictions: 1. No building shall be erected thereon excepting one single family dwelling, nnd a garage for not more than two W:?xwpting that a boathouse, a bool-shed and a kennel may be erected on the eas burly two . hundred feet of the land herein conveyed. 2. Any building erectag thereon shall be net back thirty (30) foot from the front line nnd at leash tcn (10) feet I‘t-om the other boundary lines. 3. No commercial business shall be conducted on said premises. LL. Tho dwelling erected or to its erected thereon shall cost not less than $7500.00. 5. The dwelling to me erected thereon shall have a spetic tnnlco The consideration is such that no stamps arc: required» Being the same premises conveyed to us by deed of George S.Magnn ot ux dated the 15b}: day 01' Februarymm. 1951+ recorded in tho Records of Land Evidence of bhe said Town or Tivarbon on tho 2nd day of Apr11,A.D.19SlL in Book 80 n1: pages 322 and 323. And we, FRANK J. GONLE‘I,2nd and DOROTHY D. COIIQLEV, Husband and wife, the Grantorsm-JleaSe unto th»; said Grantee n11 our rights ~01? curtesy and dower in the aforedeacribed premises. IN WITNESS VHIEIEOF, We have hereunto set our hands and souls this 3rd or dfx resAggig’éf9-1958~c Jane H.Chappell Frank J.Gonley (LS) “orotghy D. Conley (LS) State of Rhoda Island County of Newport In tho ‘1‘th of Tiuerton, said County and State ,on this 3rd day nogprllfim. 1958,bheu personally appeared FRANK J.Gonley ,an ax Q: DOROTHY D. COHLEl', to ma lmoun and known by me to :ha the parties executing th': foregoing instrument, and they declared. said instrument, by them ex ~ acubed ,to Ere their free act and deed. Before mo, Janet H.Chappoll Notary Public TOW CLERK'S OFFICE TIVERTON,R.I. A true copy of the original instrument received for record ~ April 9,1950 ab 3:140 o‘clock RM. . alt .Hambly, ' own Clary; fl, r’ SL000019 — «————-~ 9500m921AM a l V5 3;; BOOK No. 80 ~ a boathouse, a toolshed and a kennel may be erected on the easterly two . hundred feet of the land.herein conyeyed. 2. Any building erected thafiecn shall be set back thirty (30) feet from the front line and at legst ten (10) feet from the other hoggdg§y_1inesl,j 3. No commercial business shall be conducted on said premises. 4. Th9 dwelling erected or to be erectad__tharepn shallmg9§§.not less than" $7500.90. . hum... .. -_ ._.....- _5f_$he dwglling to be erected thereon shall hayg qnggptiq tank. We: George.§.Magag_§§§0§§gg L.Mgggn,release to thq.said grantees all our Fight 0f dOWR? and cugfigsqngggmgl} gfiher interests in thp afioresaid premises . ..._-‘ ~- Witness our hands and seals this 15th day of _February,l954. George S.Maganfi._____.~_____~ .Anna LaMagan..__ . ~ Commonwealth of Massachusetts '"‘ County of Bristol ' In Fall day of um I Riggq_gp thgmlSth February,1954,befqre ; personglly gppeared Geprgq'§.yagan gn§_§ypa L.Magan, to me_gngyn and known by me to be the pargggqvgxgouting the foregoing instrumani;-and they acknowledged thg said insprument,by them exgggje§4nnp be.their free act . anq degd. ~——_ ...... __-....._..__ _ ...._~ ...... _.__ ...._.._ fi-.Bichard C.Levin4 jSEAL) muim“_g otary Public .,~———...... m3 commission expires Daa45, 1959. ___.. TOWN CLERK'S OFFICE “ ,____ , k-u~ TIVERTON, R I. I A true ccpy of the original instruman$_naceinod_£on record ~~ April 2, 195a at 8: 02 o'clock A.M. ._.__.._...... ___~__—..._— ..__. . u...... —...._. ~~‘gttest. SL000020 9/5/2018 9:21 AM' DOC! W152 Bk! 1mm t g2 Citizens Bank OPEN-END MORTGAGE To mute 91mm and fimuc lam under Chapter 25 oanlc 34 oflhe 0am} law- ntflhodc mum Home Equlry Cndil Line THIS MORTGAGE (the 'Sccun‘ry Imhumeni') I: DATED Ofillflon . The mongnguflz) h/u: EARL ?OOLZR NINA SZULBWSKI POOLER ‘Mong-gnx' 1h: . This Secuxity lmuumcnl I: maxed m the Mmgngae. RES Cirizcm. NA. n mlloml banking organiulion formcd \mdcr rodcrnl law, 1U ('Lendn”). l Cmum le,valdcncc, 02903 This Security lmmmem mum no (he Lander: (i) the npaymcnt of Ihe dam widened by I Homo Equity Cred]! Lin: Agrccmmt msdc'm {nor of the Lcndu by EARL POOLER NINA SZULEWSKI POOLER and wad u or 0811mm! (the ’Anmnt“). including. bursa! )lmilcd lo, my Mme Idvnncex. with imam! thereon. made lo ific mama) of \hc Amman! bythc lander under Pamglxph l bylaw, (Ii) an mew). cxmumm and modifications of lhc Ayccmtnt, (iii) 1h: pir-ncnl oflll o(hcr suml. wllh inuml. advanced unda Padmgmpl: 9 bctogéo‘fimxcct me secumy orlhh Secumy nsuumcnx, and (iv) 1h: pcn‘omuncc of the covenant! xn m un o lh‘e . , 1h: Amman! i1 m Idjmublc mo comma rwohahzg ban :gocmcnl, pursuml lo whlch lb: Lendct bu: Igmod lo de money lo the Mongugor from time lo lime pursuant ta an open-wrufl mdl I plan 1h: maximum nmounl secund by this Secumy lnxuummx h 5300 000.00 of principal. phu imam! 112mm md a)! other charge: Ind rm imposed by the Lcndcr undct the Amman nnd this Security lmuumem. including. but nol Ximflcd (o, amounts dubuncd by the Lcndcx undn Paragraph 9 below. “ ’ ’ Fm mi; purposc. Ihc‘ anhc orb! . by lhcA does hmby monglge. mm Ind convey 1o the Lender Ind the Lander: successor: and uugm, with MORTGAGE COVENANTS upon 1h: STATUTORY CONDITION Ind with Lb: STATUTORY POWER OF SALE, 1h: following dmribed pmpeny ' locum! In the County or ugflfo . Slate othod: Mmd. which 1m um mum: or 528 NANAQUAKET ROAD. nvaamn. m 02m (the 'Propeny Addxw'); TOGETHER with Ill the immonmcnu now or heruflcr crvclcd on lhc properly dumbed shove, Ind :1) c-ummu. rlahu. tp cmncu. flxlum nnd rcnu now or hcmflcr I pan olor rebled lo the mfg describe d Ill 'llom :bovc, Ill ofwhicb bc decmcd lo be Ind remain a o(luch property. An repiacccpenu m A )hnfl Em ' ‘ covcmd by thk Secufixy' Ml ohha shall bu (o In this Secun'ty lnmmmm u sh Be u l c ropmy." RDORCVMIH F 08/11/10Hi WW!ElfllelmliliflflmllllllI WEE {Egona1M John 30mm, Jr. 13672827 SL000021 9/5/2018 9:21 AM WC! 00002161 Bk! 1360 P13 7 REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Th; Mongagor and the under mqucu the holder army mongugc, deed oftruu or odm encumbnncc with a Hm whxch Ina priority ovet (bl; Security Inmumtnl m give notice lo d1: Lender. n 1h: Lcndu’: nddml third hmlu. orany dcrlull under lhc superior :ncumbmnca 1nd of any uic or other fomloxum Icllon. BY SIGNING BELOW. the Mortgage: mccpu and Iyeu to the terms Ind covenmu conukwd in (hit Security Imhumcm and in my :iderta) execuxed by the Mongngormd mania) with i1. QwE/W NINA szunzwsWLm Pu: 7 SL000022 9/5/2018 9:21 AM ' ' Doc: 00002162 8k: 1360 Pa: 9 EXHIBIT “A" improvements thereon, ,That certain lot or parcel of land, with all the buildings and State of situated on Nanaquaket Road, in the Town of Tiverton, County ochwport, in Book 1036 at Rhode Island, being the same premises conveyed to these Mortgagors Page 83 of the Tiverton Land Evidence Records. Subject to restrictions of record. Property address: w”. 3 . 528 Nanaquak-at Road Tivcrton. RI 012878 ! ‘ i ' RECORD ??CEIEEO £0? V n . AP 9° L‘" 14A NAME? ??'nELLu mun CLERK Sen 0112011 12317? SL000023 ”fl 9/5/201 8 9:21 AM 2/4235 r03 3‘50. , . n. .r “.MM n . ' u,“ 2595:; . 35° 00265 5m: it! Rbnbt Jaianh anb Fromm: alumna: 09mm OI WWW . m0! 7mm ...._.....- Jnnuny 30.- 1951 m“ Dorothy D. Dunn: WI"..nu.otlx...A....Lanu.....‘lnun...c.l.q:x...... Town H a 1 1 "t. flvonon. n1 UnduflwwflflmdmaniwaTuhwwoumbmbywdfiodmmnculmpmod j matuldhwupmtholoimmmbodmdmny dmwmuwmm.w.m.mm.mmm “mu..." ...I9.nu....9.t...1’.Lx.1.nmn...... i Wuhan!” D. Dun inn in d.._...... n..\m.t.t.m;..'....8.X...... w ...... mu a dmh...... 41.21.5.6..u.m..."w.....-...m...... Mw h u» mu cl..m.122mm32.9...JMnu.ns.x...uar.o.thx...n.....c.qn1a-...) Mbflm wmmhmmmaummmmum Aquino" Monk 9D, and 1AA o ".m. ‘ - WED - . . mwflganvsmn. __ O z M . I ’QfiE-z Pnzos . .. 2~ Mm nscmwzn amsr . . Samuwm, ' m. um .. ‘ . - TAXES PAID u...“ n I - M .I I. I ‘ - “:1” . '_ h, LNEDIWW . ‘ . «,3 .43?» .‘ i u:$‘z‘*- SL000024 9/5/201 8 9:21 AM 348/??? . v ‘ I -- . 0‘3379 .—,‘...... w u . . 29E! . ' chLhRATIOH or TRUBT m u... o! . . y. Iflvx§w0fl8 IBTBRRATIOHAL REALTY Elva? ' flu..." . . Th1. DICLARATION or TRUST 1- Intorcd into by and baevaon John a. flcdoiron ot 235 Haln struck, Ho. 439, rnlthavcn, Hun-achun-ttu 0371! pnd lllly A. Hadolron or 235 Hnln struck. Ho. 439, rairhuvon, nnllnohu-ottl 02719 (hereinafter rotarrcd to an thn "Tru-too-"). ' Tho Trustnaa htroby DECLARE that they and tholr successors in _ trust will hold any and all o: the pro arty that.mny ba transfartad to or acquired by them 1n their capac ty as Truateea. (harainntter rotnrrod to as "the Trust Property“) 1n trust tor the purpose: horoinuttor contained: 1. ugmg_gng_nggzgggL This Trust shall ha dhalqnated and . known nu INVESTORS INTERNATIONAL REALTY TRUST and under that name the Trustees uhall, as tar as practical, conduct all business and execute all written instruments 1n thc ortornanc- or thin Trust. Tho mailing address or tho Trunk shall a a/o John J. Hedelrou and/or Bally A. H-d-lron, 285 ualn struct. No. 439. fairhuvon, HA 02719. 2. ngngxigxgl_xn§gxg§;L (a) The cntire beneficial interaat o: this Trust shall be vested 1n the parsonu named 1n a Schedula ot Beneficial Interests ot even date, nigned by the Trustees and the Benoticlarlas, 1n the proportions therein set forth: (b) The tern‘"8enet1ciur1aa" wherever used herpin shall mean the person or persons named 1n the Schedule o: Beneticlal Interests referred to above as 1t nay be amende& by the Trhstees and the Beneficiaries from time to time. The Trustees shall not be affected by an assignment or transfer or any beneficial interest by any Benerlc ary until receipt by the Trustees o: written notice that such assignment or transfer has 1n tact been made and a revised Schedule or Beneficial Interests shall have been duly eXacuted and tiled with the Trustees. Any Trustea may, without impropriety, ha or become a Beneficiary hereunder and exercise all rightsto! a Beneficiary with tho same nztbct an though he were not Trus a .anmmu)WWMHMMMWumummman. 1n thn manner provldod in Snotion 7(a) or on the aale and l l SL000025 9/5/2018 9:21 AM ' \ 299 conv-rlion ifito cauh o: the Trust Proporty, whichever eVent shall first occur. provided, however, that this Trust shall terminate in any event twanty (20) years utter the death or the last survivor ot tho Trustees heroin named. This provision is to be construed as a part or and as a limitation upon the duration ot thin Trust. (b) Upon the termination o! the Trust, the Trust Property shall automatically vest 1h the Beneficiaries hereof as tenants 1n common 1! more than one, 1n proportion to their respectiv. interests, or 1n the name or tho sole Banatloiaty, it only one, lubjoct to any mortgagee, leases, contracts, or other encumbrance. on tho Trust Property then existing. 4. EQIDQQQ. The purpOuo or this Trust 1- to own tho legal title to, and to hold, manage, rant, mortgage, ze-mortgagn, pledge, anbumber, hypothecata, improve, remodel, and sell rcnl cutatu and associated personal property, including, without limiting the foregoing, chattel mortgages, real mortgages, negotiable and non- nagotiable instruments, securities, chooses 1n action, and other obligations; to invest 1n, hold, sell, and exchange securities and other investments without limitation; to do and perform all things desirable and lawful tor carrying the same out; and 1t ls intended .~_' .r that thin Trust shall quality under section 676 or 678 of the Internal Revenue coda. nu tron time to time amended, a9 a revokablc trust, and all provisions o: thin Declaration o! Trust shall be so cons rued. 5. ggntgglL (a) within the limitations provided in Subsection (b) below, the Trustees shall hava full and absolute power to deal 1n or with the Trust Property including, without limitation, the power to manage the Trust Property, collect rents, pay all operating expenses 1n relation thereto, engage and oversee property‘nanagera (whether or not‘affiliated with the Trustees), open. maintain and close bank acacunts, engage 1n litigation or otherwise, borrow money, Bell through an atflllated broker or otherwise, mortgage or otherwise dispose of all or any part of the Trust Property, lease all or any part thereof by one or more leases tor a term or terms uhlch may extend beyond the date o! any possible termination oz this Trust, grant or acquire rights and easements, guarantee obligations oz the Beneficiaries and secure such guarantees by mortgages on the Trust Property, borrow money and secure such borrowing(s) by nonrecourae mortgages on the Trust Property, refinance mortgages encumberlng the Trust Property, enter into-agraements or arrangements «1th respect to the Trust Property, acquire property and leasehold interests in property, and take such other action as tha Trustee. nay deem necessary or denirablu, provided, hovavur. that tho Trultael Ihnll not bo required to tako any action which will, 1n tha opinion o! tho Trustees, LnVolv- than 1n any ?crlonal liability unless first indumnlliod to th- latlstact on ot tho Trusts... (b) Thu Bon-tluiuriol ot this Trait, 1n their own right, 3 SL000026 9/5/2018 9:21 AM L2 300 . , chill hnv- tho povor to dlroah and control th- Tru-t-un, ind to dlraot Ind control tho Ilnnqgnont. operation Ind handling o! tho Trunk Propprty and all Iattnrs rolatnd th-toto, including without llnitation, tho power to lunago tha Trust Proporty, collect rants, pay all op-rating expnnuon 1n ralatlon thereto, open, Inintaln and close bank accounts, engage and oversee property managers, engage 1n litigation or otherwise, borrow money, I011, mortgage or othorvlln dispose of all or any part o! the Trust Property, lease all or any part thereof by ona or uoro lenses tor a term or terns which may extend beyond th- date ot any posaible termination of thin Trust. grant or acquire rights and easements, guarante- -4» obligutlon- or theirs and secure Inch guarantees by mortgages on tho Trust Property, borrow money and aecuro such borrow1n9(a) by --...... -.. nonrccourse mortgages on tho Trust Property, refinance mortgages enpumbnrlng tho Trust Property, enter into agreements or “.1. arrangements with respect to the Trust Property. acquire property and leasehold interastu 1n property, and take such other action an .- the Benatloinriea may deem necessary or desirable. .s.» (c) The Trustees shall not be required tb inquire into the ‘ propriety at any direction receiVed from the Beneficiaries. Any pereo‘n‘ dealing with the Trustees shall be fully protected 'in accordance with the provisions of Section 9 hereof. G. AmgngmgnsL This Declaration or Trust may be amended tron tima to time b the Trustees with tho written consent and approval ot the Benetic atlas by an instrument 1n writing signed by the than Trustee or Trustees hereunder and acknowledged by one or more oz them, but no such amendment shall. Hithout the written consent 0t s the Trustees hereunder, increase the liability or duties at tho s Trustees from that originally provided herein. ‘ M 1...... The amendment shall bu etfectlva upon the recording with tho l.. appropriate Registry of Deeds o: the instrument o! amendment or a .-... Certificate or Amendment which sets forth the exact terms of such w..- amen¢ment which hue been signed by a majority o! the Trustee: or the Truatee, i: only one, and acknowledged in the manner required tor recording. 7. ngmingtlgn‘ (a) This Trust mai be terminated at any time by any one or more of tho Banerlclar ea by delivery to the Trustees o: an instrument 1n writing setting forth such termination and signed by any one or more or the Beneficiaries and acknowledged 1n proper form tor recording. Upon delivery o! such Instrument to the Trustees,-the Truatees shall acknowledge receipt of the same and the same shall be recorded in the appropriate Registry or Deeds. Such termination shall be effective upan the recording of such instrument with said Registry of Deeds. (b) The incapacity, death, bankruptcy. or any other like event, of any Beneficiary shall not terminate the Trust, and the interest o: such Beneficiary 1n the Trust shall shirt to his 3 9/5/2018 9:21 AM .40. .- guardian, l 301 estate or other successor in interqst. 8. (a) No Trustee shall u: judgmentmm be liable tor any error or tor any lose arising out o! any act or omission the execution o! the Trust so 1n long as he acts 1n good faith but: any event, any Trustee shall b9 1n ~ Mable and accountable only tor own individual acts, receipts, his those neglects, and defaults, and not rot o: any other Trustee, or o! any person any bank, trust employed by him, or or many. bruker or other person or entity or wherein any or with whom my: securities belonging to the Trust: deposited nor lo:- may be any detect 1n title of any property acquired the Trust, and not rot loss by any of property unless such occurs as liability imred in the execution of the terms hdroot, except or provisions tor such vllltul acts ox- omissions. (b) Notwithatandlng anything to the Declaratim the contrary contained within o! Trust as amended or Bot torch General Laws dsapter 1n Haasachusetta 203, Suction 14A and tho case or Mamas; LockaLtharpomugnMnrmm, 26 Haas. (1989) oz- .ny othor App- ct. 385 statute, law, ordinance or ruling or to exile 1n the zutura: now existing (1) There shall be no recourse at any time had by pornon or entity under or upon any any note, bond, contract, order, instrument. certificate, undertaking, agreemt, whether obligation, covenant or oral or written made, issued or exacuted Trust” or b1 any agent by the or employee o: the Trustees, against Trust”, individually. or the enployca against any such agent or servants or Individually, or against any either directly beneficiary individually, or indirectly, by legal or equitable All persona extending proceeding. credit to, contracting with clail against tho or having any Trustees, shall look only to the trust tor payment: under such property contract or claim, or for the debt, damage judgement payment ot any or decree, or of any money otherwise become due or that may payable to them from the Trustees or their employees, servants or agents or tho beneficiaries or the trust, so that neither the Trusteeq, their employees, servants, agents or the igneficiarlea, present or future, Bretorn shall be personally liable or physically being praaent on with ouch trust property oz- having dealt its trustee, 11:5 agonta, beneficiaries servants or employees or o! auch truat arc hereby put on or cans. o: action notic- that no alab- Ihall ha alsarted 1n any legal proceeding al against or equitable any trust“ or beneficiary or or on 10y“ individually agent, servant tor any actionfiakan by such truutu, bunt oiary, agent, urvant oz- oaployu tor taunt. to nut tor any 4 SL000028 9/5/2018 9:21 AM t 302 ' nalon or Jot any gum" lnumdlnq but not ulleod to tho Inequuonn that: Iuc Trust". agent. nrvane, oaployn and/or bonntiulary noted or fauna to act tortlouuy or broached 1n any unnar whatloavor any warranty. (u) Nothing heroin, and no ace oz any Trust“, pnd no instrument oxecut-d by an Truntno shall craato or lmpouo on tho Trustee any personal llab llty. In every contrnot‘and instrument lad. or oxocuted by the Trunteu, rateronco shall be made to this instrument. and a provision included that the sane in exccuted by the Trustees with the express understanding and agreement that nothing therein contained shall bu construed as creating any paracnal liability or obligation on tho part: o! tho Trustees and that‘evary person now or hereafter claiming any right or security undo: any such instrument shall look solely to the Trust Property tor tho payment thereot and tho enforcement o! any lien thereby created or tho entorcement o! any covenant. condithn, obligation or agreement contained therein. No bond ahall ever bo rcqulrcd.o£ Trustees ox: o: Trustee appointed as provided ttlho 311911131 nny other ere n. mu.“ .— 9. (a) No person dealing with 'any parson who appears of record 1n the appropriate Registry o! Deeds an the Trustee hamot shall be bound to inquire further as to the person whoWis then the Trustee hereunder. 'rhe receipt: by the v Trusteea tor or other or shall moneys items paid dellwred to them ..—.~—r.. be conclusive evidence to tha persons paying or delivering the sama or the payment or delivery or such moneys or other items tn the ”must, and no purchaser, lander or other persons from whom the Trustees shall recaive any money, property or credit shall be under m» any liability or responsibility to see to the proper application . thorect or to sen that. the terms end conditions or thin Trust have -u been complied with. No license of court shall be required to authorize or validate any transaction entered into by tho Trustees, the.'rrustaee .t-,_——..—. and shall haVe lull power and authority to execute all - deeds end other Instruments necessary Dr proper to effectuate such transactions. -....- (b) Every agrnenent, mortgage, pledge, note, assignment, transfer, check, extension, release, discharge and other writing or document executed by the persons appearing from the records in the appropriate Registry o! Deede, to be the Trustees hereunder, shall be conclusive evidence 1n tevor ot every person relying thereon or claiming thereunder, that at the time or the execution and delivery thereof thim'rruet wee in tun force end extent, end that tha Trustees executing end delivering euch instrument were duly authorized, empowered and directed by the Beneficiaries to execute end deliver the same, end that such instrument 19 valid, binding, crtoctlvo end legally enforceable. (c) The Trustees shell have no pewer or authority to enter Lhto any contredt or egreemmt which shall bind or effect ehy 5 \ ' 51.000029 9/5/2018 9:21 AM ' ' '.303 Beneficiary.peraonally or call any Beneficiary tor tho pnyuont or any uonay whatsoever . 10- (u) Any iTuute- hereunder may resign by written instrument clqnod and acknowledged by ouch ‘Trusteo and recorded at tho appropriate orWWWDeedn.. chiotry (b) One or more additional Trustees and successor Trustee- nnylbo appointed by tho Trustee or Trustees than holding such 0t: OD. ' (c) onI or more additional Truatees and successor Trustees nay also be a pointed. and an Trustee may be removed, by an instrument or nstrumenta 1n wt ting signed by any one or more of the Beneficiaries and acknowledged by one or morn or then. (d) In the case or any appointments or removals, such instrument of appointment or removal, or a certificate by any Trustee naming the Trustee or Trustees appointed or removed, and, 1n the case of an appointment, the acceptance in writing by the Trustee or Trustees Bo appointed, shall be Bo recorded. Upon the appointmant o: any succeeding Trustee or additional Trustee or Trustees, the title to th- Trust Property shall thereupon and without the necessity of any uponveyanca bu vested 1n laid luccaadlng or additional Trusted or Trustees jointly with tho remaining‘Truntae or Trustees,‘1t any. Any succeeding Truste- Ihull have all the rights, powers, authority, and privilegOI nu 1! named as an original Trustee hereunder. (o) Any changa o! Trustees hereunder shall not attach any person not having actual notice thereof until a certificate algned and acknowledged as herein provided is recorded in the appropriate Registry or Deeds and such certificate shall bu conclusive evidence to all persons or any fact therein recited. The Schedule ot Beneficiaries signed by the Trustees when and 13 recorded shall be conclusive evidence as to the facts set forth therein. However, such recording shall not be required to validate or ottectunte any act done pursuant to the terms ot this instrument nor to establish the riéhta or the Benericlarles listed therein. 11. Igngtgg‘ The term: "Trustee" or "Trustees” when used 1n this instrument shall each include both singular and'plural where the context so requires or permits. In tha event there shall be more than two Trustaea, any action required or permitted by tho Trustee shall require a majority. In tho event there are pnly two Trustees, any.51nglc trustac, acting alone may exarcian n11 of th- rightl, duties and pow-ru 0t tho Trusto. haraundar. 12. Hilnnllnnggnly (u) Any parson, individual or corporation tranuaotinq buninoun with any Tru-tQO' horcundor hay accept a dupliont. or ccpy or thin Dgularotlon~o£ fruit, or any part thorcot \ 4 SL000030 9/5/2018 9:21 AM ' «.fium 304 oz: of any amendment hereto, duly acknowledged or certified by the w.-.n.-.gu~w..~.z.v::-.wa-r Trustee befiore a Notary Public or Justice of the Peace, as a true ' copy hereof. . (b) The Trustees may incorporate in one instrument those provisions oz this original Declaration of Trust that remain unchanged, adding _thereto all changes by amendments and deleting all provisions fanm’m‘ removed by amendments nnd/or otherwise and upon the execution and the recording by the Trustees thereof, the same shall constitute the existing Declaration of Trust and any person, .. individual or corppration transacting business or dealing with the , TrUSteas hereunder accept urge. may a duplicate copy of the said existing Declaration of Trust acknowledged or certified by the Trustees as mm herein provided as conclusive evidence of the present status of the .-. ‘ 'Isrust and a true ‘ .2. copy thereof. .~ g... (c) The captions to the various Sections heréof are used only ‘ .. as a matter of convenience and are not to he considered a part of .-.-.- said Sections or of this Declaration of Trust or to be used in determining the intent of the parties to it. «w ‘ mu. . d) In the eVent that: any part(s) of this Trust are found to be yo d or unenflorceable, the remaining provisions of this Trust we... shall nevertheless be binding and the same affect as though the void or ..~ unenforceable part(s) were deleted. x ;‘ (e) This Trust shall he deemed to be a Massachusetts trust ',: and shall :ln all matters be governed by and interpreted in -accordance i; with the,1aws of the Commonwealth of Massachusetts. IN WITNESS WHEREOF, the said Trustees have hereunto set: their hand and seal to this INVESTORS INTERNATIONAL REALTY TRUST, i ding this to be. n instrument under seal, as of this the «rm day of 1993. (gum (l, , u “mu 4. um an ; v. mm; \. h.» 57M“ n de ro mm: uyu-wa .m. ”qr -. ‘ .2...- S r2 E ul P. E E g l. E! .._.._-g;n -.='.-. SL000031 .u..—...... :;-.«i.:. 9/5/2018 9:21 AM . 3 0 5 i i connouwanmn or mesncnuszma . ss Dated: Ll 115;;th , ( 1! g) LLg (I I )3 Before me, th'e undersigned authority, on this day personally appeared John J2 Hedeiros and Sally A. Medeiros and acknowledged the foregoing instrument to be their free act: and deed, before me ' -- m. _ Q6 mm pigmx Notary Pubch Hy Commission Expires: My Curmlnbn hpbubocmbu l6. i999 .' RECEW , AND RECORDED I meet TDHH 0F ruggero” "AWN r. COSTA Town CLERK 93 acr ~7, Pu 3; 5}; "SILoooo32. 9/5/2018 9:21 AM CRC Real Estate Data g‘e C n 1..of 1 . .\ \ Certified Revaluatid'n Company ,\ H u, \ Town 0f Tiverton, RI Real Es_tate Data ‘ \ Search"Results New Searéh ESite Data Buildings | | Photo&Sketch Chhin ofTit:Ie | l | Property Information Ownérship Valuation Parcel ID: 403-1 67 Owner: POOLER EARL & Land: $3 59, 1 00 Card: 001 , Address: NINA SZULEWSKI POOLER Building: $1 19,700 ‘ Location: 528 ‘ NANAQUAKET 528 NANAQUAKET RD TIVERTON RI \ ROAD 02878 Total: $478,800x‘ Zone: R80 ‘ Census: Account #: 16-1 795-00 - Stale Code: One Family Residence Q ‘ Total Acres: 1.26 Last Sale: 1 1/3 0/2005 . Book/Page: 1036/83 ‘ ‘ Grantor: MEDEIRos JOHN HOWARD ‘ Sale Price: $650,000 , Ownership History . [_ Previous Owner Book/Page Sale Price Sale Date MDEIROS JOHN HOWARD 103 6/83 $650,000 11/30/2005‘ . ROPERTIES IV LMTED PA 51 1/191 $0 12/17/1991 _ I . ESTORS INTERNATIONAL 398/3 40 $0 10/08/1 993 LMEDBIROS, SALLY ANN 39 8/293 $0 10/07/L993 CONLEY DOROTHY 236/0350 $0 01/30/1 987 Miscellaneous Improvements x ‘ Outbuilding Year Built Dimensions Area RCNLD I GARAGE 1980 22 x 24 5288qfi $9,900 SHED 1980 11 X 24 264sqft $2,500 CARPORT 1980 22 X 24 528sqft . $2,400 - - Permit Data . ‘ . Permit Number Issue Date Description Amount _I E I I I Copyrighl © ?.OII) Certified Revaluation Company. All righls reserved. Q— SL000033 hfln-l/unmu nrr-nrnnprfvinf‘n anm/nrndh/nrlefnilg 1 29n79vsKev=4qR 6/25/2015 9/5/2018 9:21 AM E er o N t 8 E E . o d E \ E 8 m m mo < a 3 m m3 wm 8 a ; av 8 m on s 8 8 o . . « = 8 8 = o E < m « mw G B r E m m . s 8 é E m 8 mo m w B a 8 n m B w m x : m o 5 > m $ t m W o z 2 w mé om 8 5 z 2 no o E o 9 2 $ m O o 5 2 fi 5 o m7 a E o $ 5 8 8 3 5 5 3 5 8 2 2 £ $ >_ 8 R 5 . 3 > . 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E E E u m 8 8 8 “. B E < U B B 4 4 4 4 4 m 8 : : 3 E E 2 3 E E 6 6 sz 5 5 5 5 5 g 8 E 8 E E : 8 B E mm 6 2 2 o 5 : E 9 6 E : 9 9 8 9 2 9/5/201 8 9:21 AM Municipal Lien Certificate - Tiverton Per RIGL §44-7—l 1(a); valid for recording through: 08/25/201 5 Date of certificate: 06/26/2015 Tax Payer pooLER EARL Kc Penalty as of: 06/26/2015 NINA SZULEWSKI POOLER 528 NANAQUAKET RD Pam"I 403'] 67 TIVERTON R: 0287s Location: 528 NANAQUAKET ROAD Place Recording stamp here Receivable Accaxml Iii Type Detail Original Bill Amount Due P211010: Due Total Due I 201 16-! 795-00 Real at 0.00 5 RP Tax Roll 403-167 528 NANAQUAKET R 8,6l8.26 6,463.68 6,463.68 I Total: 6,463.68 i i Request for Tangible Property Taxes must bc rcqucsted in the name of the business or business location. WATER - NORTH TIVERTON FIRE (40]) 624-8432 WATER-STONE BRIDGE (40 1) 624—4486 WASTEWATER COMMISSION (401) 625-6701 This is lo certify that the above is true and correct. Said certification is given in accordance with 44—7-1 l of the General Laws othode Isfand, 1956. Tax lector/ thorize Represen ive Requested by: SERVICE LINK 400 CORPORATION DR ALlQUIPPA, PA 1500] \...J SL000038 9/5/2018 9:21 AM Page 1 0f 4 Reference #; 114380228 Borrower: VINCENT MAJEWSKI Address: 528 NANAQUAKET RD, TIVERTON RI 02878 NEWPORT VIEW ALL - ORDER NOTES #Type Category Order# Note Date Entered By Note 1 MD GENERAL 28988155 08/05/2015 JMOORE‘I From: Moore, Julie Sent: Wednesday, August 05. 2015 03:56 PM To: 3:56 PM SLMB Title Typist Rush Search Orders Sulgject: TP 28986146 Majewskl MD 289861 65 E abstract error Docufile Information SERVICELINK Order#: 289861 46 Document Type Name: Mortgage Mortgage Signatures: VINCENT MAJEWSKI AND REBECCA MAJEWSK! Execution Date: 07/21/201 5 Recording Date: 07/27/201 SDrop-Off Date: Book: BOOK 1546Page: PAGE 37 Amount: 426400New Effective Date: 7/24/2015 Open Ended: NTo What Amount: 0 Comments: Lien Intervening liens or changes from the original report? N Explain: Mortgage Mortgage Type: MORTGAGE Mortgagee: JPMORGAN CHASE BANK, N.A. Trustee: The following documents are associated with the TP order: Mortgage Warranty Deed Deed Dated Date: 7/1 0/2015 Recorded Date: 7/27/2015 Drop-Off Date: Book: BOOK 1545 Page: PAGE 35 Consideration Amount: 555000 Grantor: EARL POOLER AND NINA SZULEWSKl-POOLER Grantor Tenancy: Grantee: VINCENT MAJEWSKI AND REBECCA MAJEWSKI Grantee Tenancy: AS TENANTS BY THE ENTIRETY Comments: 2 TP ~GENERAL 28986146 08/05/2015 JMOORE1 From: Moore, Julie Sent: Wednesday, August 05, 2015 03:56 PM To: 3:56 PM SLMB Title Typist Rush Search Orders Squect: TP 289861 46 Majewski MD 289861 65 E abstract error Docufile Information SERVICELINK Order#: 28886146 Document Type Name: Mortgage Mortgage Signatures: VINCENT MAJEWSKI AND REBECCA MAJEWSKI Execution Date: 07/21/2015 Recording Date: O7/27/20150rop-Off Date: Book; BOOK 1546Page: PAGE 37 Amount: 426400New Effective Date: 7/24/2015 Open Ended: NTo What Amount: 0 Comments: Lien lntervening Hens or changes from the original report? N Explain: Mortgage Mortgage Type: MORTGAGE Mortgagee: JPMORGAN CHASE BANK. N.A. Trustee: The following documents are associated with the TP order: Mortgage Warranty Deed Deed Dated Date: 7/10/2015 Recorded Date: 7/27/2015 Drop—Off Date: Book: BOOK 1546 Page: PAGE 35 Consideration Amount: 555000 Grantor: EARL POOLER AND NINA SZULEWSKI-POOLER Grantor Tenancy: Grantee: VINCENT MAJEWSKI AND REBECCA MAJEWSKI Grantee Tenancy: AS TENANTS BY THE ENTIREI'Y Comments: 3 PT GENERAL 28966870 08/03/2015 DBOLDT Need recording info for mortgage and deed. 2:15 PM 4 MD GENERAL 28985165 07/31/2015 ‘JMOORE1 reset to match DF 2:33 PM 5 TP GENERAL 28986145 07/28/2015 JMOORE1 Vendor to advise on eta 2:00 PM 5 MD GENERAL 28985165 07/27/2015 JMOORE1 vendor to advise on eta ' 2:45 PM 7 PUR GENERAL 28966871 07/22/2015 EWIP Vendor Name = Rose DATE CLOSED = 07/21/2015 DATE HUD = 6:07 AM 07/21 /201 5 DATE PACKAGE SENT = 07/21 /2015 PACKAGE SENT TO = ServiceLink PACKAGE TRACKING NUMBER = 1Z A53 2X5 01 9468 1096 PACKAGE CARRIER = UPS DATE MORTGAGE SENT = MORTGAGE SENT TO = MORTGAGE TRACKING NUMBER = MORTGAGE CARRIER = OTHER INFORMATION = 8 SCH SCHEDULING 28984602 07/21/201 5 JTANNER1 The signing status was changed from ACTIVE to CLOSED 1:03 PM 9 SCH SCHEDULING 28984602 07/21/2015 JTANNER1 Vendor Notification Sent 1 :02 PM 1O SCH SCHEDULING 28984602 07/21/2015 JTANNER1 Added additional fee Mgt Approved of 30.00 approved by JANET 1:02 PM TANNER reason AGENT HAS TO PICK UP SELLERS DOCS for Vendor 43353 WILLIAM E PAPLAUSKAS JR 11 PUR CLOSING 28966871 07/20/2015 JTANNER1 Sent: Monday, July 20, 2015 1:35 PM To: bpap1 [email protected] TRACKING 1 :35 PM Subject: SL# 28966871/Ma_jewski [Just sent you the docs for this closing with the buyer tomorrow 7/21 @ 11AM. Please fax or email the docs listed below after the closing has been completed. Final https://vision.servicelinkfnf.com/vision/Vision/CommonFlexWindowPopup/FIexWindow... 05/027289839 975/201 8 9721 AM %¢2M4 HUD-1 Mortgage/Deed of Trust (1 st pg stamped Certified True Copy), including all Riders Note (with last page signed and initialed) 4506t 1003 Application Name Certification ACH Form Truth in Lending Proof that closing conditions are satisfied: Ack of Receipt of AppraisalNaluatIon . 12 PUR GENERAL 28966871 07/20/2015 JTANNER1 The CLOSING PACKAGE Document (version 1) was resent to 1:33 PM BPAP1 23@GMA|L.COM, and uploaded to the website. 13 SCH SCHEDULING 28984602 07/20/2015 JTANNER'I Client Notification Sent 12:26 PM 14 SCH SCHEDULING 28984602 07/20/201 5 MNELSON SCHED WITH WILLIAM E PAPLAUSKAS JR FOR 7/21 AT 11AM AT 12:24 PM OTHER LOCATION -- 1 5 SCH SCHEDULING 28984602 07/20/201 5 MNELSON Client Notification Sent 12:23 PM 16 SCH SCHEDULING 28984602 07/20/201 5 MNELSON Vendor Notification Sent 12:23 PM 17 SCH SCHEDULING 28984602 07/20/201 5 MNELSON Added additional fee Email Docs of 12.00 approved by MALLORY 12:23 PM NELSON reason E D for Vendor 43353 WILLIAM E PAPLAUSKAS JR 18 SCH SCHEDULING 28984602 07/20/201 5 MNELSON Closing is scheduled for 07/21/2015 at 1 1 :OO:00 AM at Other with 12:23 PM WILLIAM E PAPLAUSKAS JR 19 SCH SCHEDULING 28984602 07/20/201 5 MNELSON Scheduling vendor status: Accepted. Vendor: '43353—WILLIAM E 12:23 PM PAPLAUSKAS JR 20 SCH GENERAL 28984602 07/20/2015 JTANNER1 PLEASE st A CLOSING AGENT TO CLOSE THE BUYERS PORTION 11 :41 AM OF THE PURCHASE TO THE REALTORS OFFICE LISTED BELOW TOMORROW 7/21/15 @ 11AM KELLER WILLIAMS 3913 MAIN ROAD TlVERTON, Rl 02878 . 21 PT GENERAL 28966870 07/1 0/201 5 JTANNER1 From: Tanner, Janet Sent: Friday, July 10, 2015 12:13 PM To: 12:14 PM [email protected] Sutgject: FW: 528 Nanaquaket Rd., Tiverton/114380228 - SELLERS SIGNING TODAY Hi Hailey, Please see attached estimated HUD for review. l have the closing date of 7/20/15 on the HUD. Please provide a copy of the Deed once you have it prepared. 22 PT GENERAL 28966870 07/10/2015 JTANNER1 From: Tanner, Janet Sent: Friday, July 10. 201 5 12:13 PM To: 12:13PM Moore, Kristin ([email protected]) Sutgject: RE: 1463131910/Ma_jewski H1 Kristin. l prepared a HUD for the sellers . attorney wlth a closing date of 7/20/1 5. 23 TR LIEN 28966872 07/10/2015 JTANNER1 From: Tanner, Janet Sent: Friday, July 10, 2015 11:53 AM To: CLEARANCE 1 1 :53 AM Moore, Kristin ([email protected]) Subject: 1483131910/MaJewskl HI Kristin, Please see attached title commitment, tax cert.. wire instructions and CPL. What day is this closing? There is nothing on the contract. Vesting to read as follows: VINCENT MAJEWSKI AND REBECCA MAJEWSKI, HUSBAND AND WIFE Earnest money deposit of $5,000.00 being retained by the listing agent Keller Williams No seller assist listed on the sales contract Sellers mortgage payoff win be paid on the HUD 2nd quarter of 2015 taxes due 10/1 0/1 5, delinquent after 4/1 0/15. Amount due is $2,154.56. 24 TR LlEN 28966872 07/09/2015 CMIGLIORE PER SELLER'S ATTY. BUYERS PREFER TO SIGN ON 7/20 OR 7/21. CLEARANCE 10:54 AM CALLED BUYER'S AGENT, DEBBI ROBBINS, SHE WILL LET BUYERS KNOW AND PROVIDE CONTRACT EXTENSION. 25 TR GENERAL 28966872 07/08/2015 CMIGLIORE PER SELLER‘S ATTY, HUSBAND WILL UNDERGO SURGERY AND 10:11 AM UNABLE TO SIGN 13TH THRU 17TH. WILL USE POA IF CLOSING WITHIN THAT TIME SPAN. SHE HAD STATED THAT THE CLOSING MAY HAVE BEEN PUSHED BACK TO THE 20TH. WILL NEED TO CONFIRM. SHE HAS ORDERED THE PAYOFF AND WILL EMAIL COPY TO ME ONCE RECEIVED. NO HOA 0F RECORD. THERE WAS A COMMUNITY GROUP BUT SINCE HAS DISBANDED. BOTH SELLERS WILL SIGN THE DEED. 26 TR LlEN 28966872 07/07/2015 CMIGLIORE From: Migliore, Carolyn Sent: Tuesday, July O7, 2015 03:51 PM To: CLEARANCE 3:51 PM 'Hailey Conn' Subject: RE: 528 Nanaquaket Rd., Tiverton/114380228 The deed cannot be signed using a POA. All ' other documents can. however. I still need mortgage payoff information for Citizens from them (acct number as well as bank contact number). [Lil probably need a signed borrowergs authorization as well. Also, is there a homeownerLS association for this property. Please advise. Thank you, Carolyn Migliore Closing Coordinator Purchase Department Serviceiink, A Black Knight Company O: 724.512.3514 |F: 865—497-3801 [email protected] H www.BKFS.com 400 Corporation Drive, Aliquippa, PA 15001 From: ._../ Halley Conn [[email protected]] Sent: Tuesday, July O7, https://vision.servicelinkfnf.com/vision/Vision/CommonFlexWindowPopup/FIexWindow... 05/02/2818“ 9/5/2018 9:21 AM %@3M4 2015 03:41 PM To: Migliore, Carolyn Subject: RE: 528 Nanaquaket Rd., Tiverton/‘l 14380228 Carolyn, Are we still looking at closing on July 17? lfso, the sellers will need to sign a POA. lfyou believe the closing will be later, then they will be able to attend. Please advise as soon as you can, so that the sellers can slgn before they are unable to -- thanks Best Regards, 27 TR LIEN 28966872 07/02/2015 CMIGLIORE From: Hailey Conn [[email protected]] Sent: Wednesday, CLEARANCE 9:16AM July O1, 2015 04:13 PM To: Mlgliore. Carolyn Subject: RE: 528 Nanaquaket Rd., Tiverton/114380228 Carolyn, We are solely representing the sellers. l will get to you the information needed as it comes ln g, thank you. Best Regards, Hailey Conn, Esq. 3913 Main Road, Suite E Tiverton, Rl 02878 (401) 816~5100 (401) 81 6-5175 fax [email protected] 28 TR LIEN 28966872 07/01/2015 CMIGLIORE From: Migliore, Carolyn Sent: Wednesday, July 01, 2015 O1 :59 PM CLEARANCE 1:59 PM To: '[email protected]' Sutgject: RE: 528 Nanaquaket Rd., Tiverton/1 14380228 Hello, You had stated below that you will be representing the seller side of this closing. Is this a split closing with you issuing the owners policy only, or are youjust representing the seller. Either way, l will need the following information: 1) Payoff information for the current loan with RBS Citizens; 2) Current mailing address for the sellers: 3) Social security number for either of the seliers for the 1099; You may email me or contact me directly at 724.51 2.351 4. 29 TR GENERAL 28966872 07/01/2015 CMIGLIORE From: J Aracil [[email protected]] Sent: Wednesday, July 12:32 PM O‘l, 2015 12:15 PM To: Migliore, Carolyn Subject: Re: 528 NANAQUAKET RD/114380228 l had forward you the attorneys information that is representing them . John Pagliarinl and Hailey Conn . (401) 816—5100 Best Regards, J Aracil Aracil & Ollnger RE Group Keller Williams Realty of Newport RI / East Bay 401 -855-5577 30 TR GENERAL 28966872 07/01 /201 5 RHANSEN From': Hailey Conn [mailto:[email protected]] Sent: Wednesday, 1 1 :56 AM July O1, 2015 11:38 AM To: Hansen, Renee Sutgject: 528 Nanaquaket Rd., Tiverton Renee, My office will be handling the sellers; side of the above-referenced closing. Please forward your title commitment and legal description once obtained L thank you. Please let me know lfyou need anything from me at this point. Look forward to working with you Best Regards, 31 TR LIEN 28966872 07/01/2015 CMIGLIORE From: Migliore, Carolyn Sent: Wednesday, July 01, 201 5 11 :19 AM CLEARANCE 11:19AM To: jbaracingmail.com' Subject: 528 NANAQUAKET RD/114380228 Please proVide contact lnformation for Earl Pooler or Nina Szulewski Pooler. l work for ServiceLink, the title company assigned this order. l will need to obtain their current mortgage payoff information as well as a few other items. lf you have any questions, please feel Free to contact me. 32 XC TAX 28966873 07/01/2015 LHILL PACKAGE lS BEING DELlVERED BY UPS, PACKAGE SHOULD BE HERE TRACKING 8:38 AM ANY DAY NOW... 33 TR LIEN 28966872 06/30/2015 JTANNER1 From: Scholl, Jeanine M [mailto:jeanlne.m.schol|@jpmchase.com] CLEARANCE 12:35 PM Sent: Tuesday, June 30, 2015 12:03 PM To: Tanner. Janet Cc: Moore, Kristin: Knippen, Sandra S Subject: RE: MAJEWSKl /SL# 114380228 Target closing date is 7/1 0/15. Thank you, Jeanine Scholl l NMLS lD# 497032 l Senior Loan Processor l Mortgage Banking l Chase l Phone: 1-855—242-7346, Ext 3643015 l Fax: 866— 636-2926 l [email protected] 1111 Polaris Parkway. Columbus, OH 43240 Office Hours 8:30 a.m. to 5 p.m. EST From: Tanner. Janet [mailto:[email protected]] Sent: Tuesday, June 30, 2015 12:00 PM To: Scholl, Jeanine M Suly'ect: RE: MAJEWSKl /SL# 114380228 This order was already placed. We are working on clearing title. Are you trying to close on the 6th? 34 TR Ll EN 28956872 06/29/2015 RHANSEN Sent: Monday, June 29. 2015 04:34 PM To:_}[email protected] CLEARANCE 4:34 PM Subject: 528 Nanaquaket Road l arn with the title company working on this purchase transaction. I tried to call, however your mailbox was full. Can you please provide me with the sellers contact information? 35 TR GENERAL 28966872 06/29/2015 RHANSEN Sent: Monday. June 29, 2015 04:30 PM To: 'Debbi Robbins' Subject: 4:31 PM RE: P&S Agreement Thanks Can you complete the attached commission statement and send back to me? 36 TR GENERAL 28966872 06/29/201 5 RHANSEN SPOKE TO REBECCA ( BUYER )717-712-3137 NO HOA WILL BE 4:27 PM PRIMARY RESIDENCE CURRENT RESlDENCE 1180 STATE RD - WEST PORT, MA 02790 MARRIED TO VINCENT 37 PT GENERAL 28966870 06/29/201 5 .JMOORE1 From: Moore. Julie Sent: Monday, June 29, 2015 08:59 AM To: 8:59 AM SLMB Title Approvers Tltle Inquiries Cc: SLMB Title Ops Originations: SLMB Originations Abstract Fax Subject: FW: ORDER # PT 28965870 MaJewski From: Steve McNeil [mailto:[email protected]] Sent: Friday, https://vision.servicelinkfnf.com/vision/Vision/CommonFIexWindowPopup/FIexWindow... 05/0§5§8?841 9/5/2018 9:21 AM %¢4m4 June 26, 2015 07:04 PM To: Moore, Julie Subject: ORDER # 28966870 38 GENERAL 28966870 05/29/201 5 JMOORE1 Order 28966870 : Additional fees: copies Fee(s) 42.00 by JMOORE1 8:58 AM 39 PT GENERAL 28966870 06/26/201 5 JMOORE1 Vendor No. 9014 - Request for vendor notification was submitted by 3:39 PM JMOORE1 t0 STEPHEN MCNEIL by Fax to 860-464-1 562 at 06/26/2015 03:39:04 PM. The notification text sent is as follows. l Just left a message for you on this file, we need back asap. please advise of any delays thanks 40 PT GENERAL 28966870 06/26/2015 JMOORE1 Vendor No. 9014 - Request for vendor notification was submitted by 3:39 PM JMOORE1 to STEPHEN MCNElL by Email to [email protected] at 06/26/2015 03:39:04 PM. The notification text sent is as follows. l just left a message for you on this file. we need back asap. please advise of any delays thanks 41 XC TAX 28966873 06/25/201 5 LHlLL TOWN OF TlVERTON Tracking Number: 1 ZA532W80191 1 52961 TRACK I NG 4:36 PM Tracking Number: 1ZA532W68494127971 42 XC TAX 28966873 06/25/2015 LHILL ORDERED $25.00 MLC... TRACKING 2:1 3 PM 43 TR GENERAL 28965672 06/25/2015 HCARTWRIGHTFrom: Vement [mailto:[email protected]] Sent: Thursday, June 25. 2:06 PM 2015 11:20 AM To: Debbi Robbins Cc: Cartwright,‘Heather Sutgject: Re: P&S Agreement Also the assistants to Trevor; Sandra S Knlppenl Sr Loan Processor] NMLS RD 497963! Mortgage Banking | Chase Office: 855-242-7346 Ext 364~3022|Faxz 866-632-1714 | [1111 Polaris Parkway, Columbus, OH 43240 | mailto:[email protected] Office hours 8:30 am to 5:00 pm EST Teresa Fyffe | MB Operations Processing Team Manager I NMLS ID 496521 l Mortgage Banking I Chase l 1111 Polaris Parkway, Columbus. OH 43240 Mall code: OH1—8002 l Office: 1-877-821-5081 ext. 73518 l Fax: 1-866-884-5075 l [email protected] l Office hours 8:30am—5:00pm EST Vlncent Majewski [email protected] 44 TR GENERAL 28966872 06/25/2015 HCARTWRIGHTFrom: Debbi Robbins [mailto:drobbins@pfsfire.com] Sent: Thursday, 2:06 PM June 25, 2015 10:28 AM To: Cartwright, Heather Cc: Vement Subject: RE: P&S Agreement Hi Heather, The buyers are Vincent (717) 525-2083 and Rebecca (717) 712-3137 Majewski g email [email protected]. Lender Info: Trevor Tharp] NMLS ID 119552 I Mortgage Banking Chase Office: 855-242—7346 ext. 3655020 ] l |Fax: 866827-8750 [email protected] [Office hours 8 a.m. ] to 5 p.m. Please feel free to contact me should you need addltional information. Debra Robbins - Broker Principal Preferred Realty Group. LLC 93 So. Maln St. Assonet, MA 02702 (508) 644-5444 Fax (508) 644-3123 Cell (508) 400-0714 [email protected] 45 XC TAX 28966873 06/25/2015 LHILL RECEIVED W/S INFO FROM RAY: PER RAY SINCE NO CITY WATER TRACK l NG 2:01 PM WILL NOT HAVE FIRE TAX...W/S DEPT. COLLECTS W/S AND FIRE TAXES... 46 XC ‘TAX 28966873 06/25/2015 LHlLL RECEIVED TAX INFO FROM TONI... TRACKING 2:00 PM 47 PT GENERAL 28966870 06/25/201 5 JMOORE1 Order 28966870 : Additional fees: order went over at zero Fee(s) 10 : 1 3 AM 75.00 by JMOORE1 48 PT GENERAL 28966870 06/25/2015 JMOORE1 From: Cartwright. Heather Sent: Thursday, June 25, 2015 10:04 AM 10: 11 AM To: Moore, Julie Subject: NEW PURCHASE ORDER - 28966870 Please proceed with this new search order. Thank you 49 TR GENERAL 28956872 06/25/2015 HCARTWRIGHTFrom: Cartwright. Heather Sent: Thursday, June 25, 2015 10:04 AM 10:07 AM To: Moore, Julie Subject: NEW PURCHASE ORDER — 28956870 Please proceed with this new search order. Thank you Heather Cartwright Purchases 50 TR GENERAL 28956872 06/25/2015 HCARTWRIGHTFrom: Cartwright. Heather Sent: Thursday, June 25, 2015 9:55 AM 10:06 AM To: Alicia Bianchini Cc: Debbi Robbins Sulgject: RE: P&S Agreement Hello Alicia! 1 placed this order and the search will be started today. Can you please provlde me with contact numbers for the buyers as well as their lender? I wm need to reach out to the lender for their title request asap. Please let me know. Thanks Heather Cartwright From: Alicia Bianchini [maiIto:[email protected]] Sent: Wednesday, June 24, 2015 1 :01 PM To: Cartwright, Heather Cc: Debbi Robbins Subject: P&S Agreement Good Afternoon Heather, Ive attached the signed purchase and sales. Thank you, Alicia Bianchini Preferred Realty Group 93 South Main Street Assonet, MA 02702 P: 508-644-5444 F: 508-644-31 23 E: [email protected] https://vision.servicelinkfnf.com/vision/Vision/CommonFlexWindowPopup/FlexWindow... 05/027281?” 9/5/2018 9:21 AM ‘CHICAGQ TITLE , INSURANCEQQM PAW POLICY NO.: RI-FSLK-VlS-72-031 ~'l -1 5-28965870 OWNER’S POLICY OF TITLE INSURANCE Issued by CHICAGO TITLE INSURANCE COMPANY Any notice of claim and any other notice or statement in writing required to be given the Company under this Policy must be given to the Company at the address shown in Section 18 of the Conditions. COVERED RISKS SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B, AND THE CONDITIONS, CHICAGO TITLE INSURANCE COMPANY, a Nebraska Corporation (the ”Company") insures, as of Date of Policy and, to the extent stated in Covered Risks 9 and 10, after Date of Policy, against loss or damage, not exceeding the Amount of Insurance, sustained or incurred by the Insured by reason ofi- 1. Title being vested other than as stated in Schedule A. 2. Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against loss fr‘om (a) A defectin the Title caused by (i) forgery, fraud, undue influence, duress, incompetency, incapacity, orimpersonation; failure of person or Entity to have authon’zed a transfer or conveyance; . (ii) any (iii) a document affecting Title not propefiy created, executed, witnessed, sealed, acknowledged, notarized, or delivered; (iv) failure to perform those acts necessary to create a document by electronic means authorized by law; (v) a document executed undera falsified, expired, or otherwise invalid power of attomey; (vi) a document not properly filed, recorded, or indexed in the Public Records including failure to pen'omv those acts by electronic means authon'zed by law; or (vii) a defective judicial or administrative proceeding. (b) The lien of real estate taxes or assessments imposed on the Title by a governmental authon‘ty due or payable, but unpaid. (c) Any encroachment, encumbrance, violation, van'ation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land. The term "encroachment” includes encroachments of existing improvements located on the Land onto adjoining land, and encroachments onto the Land of existing improvements located on adjoining land. 3. Unmalketable Title. 4. No n'ght of access to and from the Land. 5. The violation or enforcement of any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (a) the occupancy, use, or enjoyment of the Land; ' 'J' Copyright American Land Title Association. All rights reserved. The use of this Form is restricted lo ALTA licensees and ALTA members in good standing as of (he date of use. All other uses are prohibited. Reprinted under license from (he American Land Tale Association ni-q'fzi‘ygm smoobfifif 72-031-06 (6/06) 1 0F 9 PAGES ALTA Owner's Policy (6/17/06) 9/5/2018 9:21 AM POLICY NO.: Rl—FSLK~VlS—72—031 —1 ~1 5-28966870 . (b) the character, dimensions, orlocation of any improvement erected on fhe Land; (c) the subdivision ofland; or (d) environmentalprotection if a notice, describing any part of the Land, is recorded in the Public Records setting fodh the violation or intention to enforce, but only to the extent of the violation or enforcement referred to in [hat notice. 6. An enforcement action based on the exercise of a govemmental police power not covered by Covered Risk 5 if a notice of the enforcement action, descn'bing any part of the Land, is recorded in the Public Records, but only to the extent of the enforcement referred to in that notice. 7. The exercise of the n’ghts of eminent domain if a notice of the exercise, describing any part of the Land, is recorded in the Public Records. 8. Any taking by a governmental body that has occurred and is binding on the rights of a purchaser for value without Knowledge. 9. Title being vested other than as stated Schedule A 0r being defective (a) as a result of the avoidance in whole orin part, or from a court order providing an aitemative remedy, of a transfer of all or any part of the title to or any interest in the Land occurring pn’or to the transaction vesting Title as shown in Schedule A because that pn‘or transfer constituted a fraudulent orpreferentia/ transfer under federal bankruptcy state insolvency, or similar creditors’ n'ghts laws; or (b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal bankruptcy, state insolvency, or similar creditors’ n'ghts laws by reason of the failure ofits recording in the Public Records (i) to be timely, or to impalt notice ofits existence to a purchaser for value orto a judgment orlien creditor. . (ii) 10. Any defect in orlien or encumbrance on the Title or other matterincluded in Covered Risks 1 through 9 that has been created or attached orhas been filed or recorded in the Public Records subsequent to Date of Policy and prior to the recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The Company will also pay the costs, attorneys’ fees, and expenses incurred in defense of any matter insured againstby this Policy, but only to the extent provided in the Conditions. r IN WITNESS WHEREOF, CHICAGO TITLE INSURANCE COMPANY has caused this policy to be signed and sealed by its duly authon‘zed officers. ServiceLink, LLC . C’IHCAGK'J TITLR INSURANCE COMPANY :1. Countersigned: (‘5’m/‘xu pl lee MT“ mwiv J Authorized simxatow [.4/‘ FM. 'u «aw I.Vr‘COpyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date oi use. All other uses are prohibited. Reprinted under license from the American Land Title Association m.fujxim mum.“ SL00004 " ~ 724131436 (6/05) 2 0F 9 PAGES ALTA Owner's Policy (6/17/06) 9/5/2018 9:21 AM POLICY NO.: RI-FSLK—VlS-72-03‘l-‘I -1 5-28966870 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys’ fees, or expenses that arise by reason of: 'l. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmentalprotection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. ' (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify 0r limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters: (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date 0f Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant priorto the date the insured Claimant became an insured under this policy; (C) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e) resulting In loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is ‘ (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shOWn in Schedule A. CONDITIONS 1. DEFINITION OF TERMS (B) successors to an Insured by insured named in Schedule A for estate The following terms when used in this dissolution, merger, consolidation, planning purposes. policy mean: distribution, or reorganization; (ii) WIth regard to (A), (B), (C), and “Amount of Insurance": The (a) (C) successors to an lnsured by (D) reserving, hOWever, all rights and amount stated in Schedule as be A, may its conversion to another kind of Entity; defenses as to any successor that the increased or decreased endorsement by (D) a grantee of an Insured Company would have had against any to this policy, increased by Section 8(b), under a deed delivered without payment predecessor lnsured. or decreased Sections 10 and ‘l'l of by of actual valuable consideration (e) “insured Claimant": An insured these Conditions. conveying the Title claiming loss or damage. (b) "Date of Policy": The date (l) if the stock, shares, (f) "Knowledge" or "Known": Actual designated 'Date Policy” as of in memberships, or other equity interests of knowledge, not constructive knowledge Schedule A. the grantee are wholly—owned by the or notice that may be imputed to an "Entity”: (c) A corporation, named insured, lnsured by reason of the Public Records partnership, trust, limited liability (2) if the grantee wholly or any other records that impart or other similar company, legal entity. owns the named Insured, constructive notice of matters affecting (d) "Insured": The Insured named in (3) if the grantee is wholly— the Title. Schedule A. "Land": owned by an affiliated Entity of the (g) The land described in term “Insured” also (i) The named Insured, provided the affiliated Schedule A, and affixed improvements includes Entity and the named Insured are both that by law constitute real property. The successors to Title (A) the of wholly-owned by the same person or term "Land" does not include any the Insured operation by of law as Entity,or property beyond the lines of the area distinguished from purchase, including (4) if the grantee is a trustee described in Schedule A, nor any right, heirs, devisees, survivors, personal or beneficiary of a trust created by a title, interest, estate, or easement in representatives, or next of kin; written instrument established by the abutting streets, roads, avenues, alleys, lanes, ways, or waterways, but this does ‘ \J Copyright American Land Title Association. All rights reserved. The use of lhis Form Is restricted lo ALTA licensees and ALTA members In good slanding as of the date of use. All other uses are prohibited. Reprinted under license from the American Land TItle Association SL00004 J“ 72—031~06 (6/06) 3 OF 9 PAGES ALTA Owner's Policy (6/1 7/06) 9/5/201 é 9:21 AM POLICY No.2 Rl-FSLK—VlS-72~031 -1 —1 5-28966870 not modify or limit the extent that a right lnsured Claimant under the policy shall may pursue the litigation to a final of access to and from the Land is insured be reduced to the extent 0fthe prejudice. determination by a court of competent by this policy. 4. PROOF OF LOSS jurisdiction, and it expressly reserves the (h) "Mortgage": Mortgage, deed of ln the event the Company is unable to right, in its sole discretion, to appeal from trust, trust deed, or other security determine the amount of loss or damage, any adverse judgment or order. instrument, including one evidenced by the Company may, at its 6. DUTY OF INSURED CLAIMANT TO electronic means authorized by law. option, require as a condition of payment COOPERATE (i) “Public Records": Records that the lnsured Claimant furnish a (a) ln all cases where this policy established under state statutes at Date signed proof of loss. The proof of loss permits or requires the Company to of Policy for the purpose of imparting must describe the defect, lien, prosecute or provide for the defense of constructive notice of matters relating to encumbrance; or other matter insured any action or proceeding and any real property to purchasers for value and against by this policy that constitutes the appeals, the Insured shall secure to the to basis of loss or shall state, the right to so prosecute or ; without Knowledge. With respect damage and Company Covered Risk 5(d), "Public Records” shall to the extent possible, the basis of provide defense in the action or also include environmental protection calculating the amount of the loss or proceeding, including the right to use, at liens filed in the records of the clerk of damage. its option, the name of the lnsured for this the United States District Court for the 5. DEFENSE AND PROSECUTION OF purpose. Whenever requested by the district where the Land is located. ACTIONS Company, the Insured, at the Company’s "Title“: the shall give the all (j) The estate or interest (a) Upon written request by expense, Company described in Schedule A. lnsured, and subject to the options reasonable aid (i) in securing evidence, (k) “Unmarketable Title“: Title contained in Section 7 of these obtaining witnesses, prosecuting or affected by an alleged or apparent matter Conditions, the Company, at its own cost defending the action or proceeding, or that would permit a prospective and without unreasonable delay, shall effecting settlement, and (ii) in any other purchaser or lessee of the Title or lender provide for the defense of an Insured in lawful act that in the opinion of the 0n the Title to be released from the litigation in which any third party asserts Company may be necessary or desirable obligation to purchase, lease, or lend if a claim covered by this policy adverse to to establish the Title or any other matter there is a contractual condition requiring the lnsured. This obligation is limited to as insured. lf the Company is prejudiced the delivery of marketable title. only those stated causes of action by the failure of the lnsured to furnish the 2. CONTINUATION OF INSURANCE alleging matters insured against by this required cooperation, the Company’s The coverage of this policy shall policy. The Company shall have the right obligations to the lnsured under the .continue in force as of Date of Policy in to select counsel of its choice (subject to policy shall terminate, including any favor of an Insured, but only so long as the right of the lnsured to object for liability or obligation to defend, prosecute, the Insured retains an estate or interest reasonable cause) to represent the or continue any litigation, with regard to in the Land, or holds an obligation Insured as to those stated causes of the matter or matters requiring such secured by a purchase money Mortgage action. lt shall not be liable for and will cooperation. given by a purchaser from the lnsured, or not pay the fees of any other counsel. (b) The Company may reasonably only so long as the Insured shall have The Company will not pay any fees, require the lnsured Claimant to submit to liability by .reason of warranties in any costs, or expenses incurred by the examination under oath by any transfer or conveyance of the Title. This lnsured in the defense of those causes of authorized representative of the policy shall not continue in force in favor action that allege matters not insured Company and to produce for of any purchaser from the Insured of against by this policy. examination, inspection, and copying, at either (i) an estate or interest in the Land, (b) The Company shall have the right, such reasonable times and places as or (ii) an obligation secured by a in addition to the options contained in may be designated by the authorized purchase money Mortgage given to the Section 7 of these Conditions. at its own representative of the Company, ‘all Insured. cost, to institute and prosecute any action records, in whatever medium maintained, 3. NOTICE OF CLAIM TO BE GIVEN or proceeding or to do any other act that including books. ledgers. checks,‘ BY INSURED CLAIMANT in its opinion may be necessary or memoranda, correspondence, reports, e— The lnsured shall notify the Company desirable to establish the Title, as mails, disks, tapes, and videos whether promptly in writing (i) in case of any insured, or to prevent or reduce loss or bearing a date before or after Date of litigation as set forth in Section 5(a) of damage to the lnsured. The Company Policy, that reasonably pertain to the loss 'action these Conditions, (ii) in case Knowledge may take any appropriate under or damage. Further, if requested by any shall come to an Insured hereunder of the terms of this policy, whether or not it authorized representative of the any claim of title or interest that is shall be liable to the lnsured. The Company. the lnsured Claimant shall adverse to the Title, as insured, and that exercise of these rights shall not be an grant its permission, ln writing, for any might cause loss or damage for which admission of liability or waiver of any authorized representative of the the Company may be liable by virtue of provision of this policy. If the Company Company to examine, inspect. and copy this policy, or (iii) if the Title, as insured, exercises its rights under this subsection, all of these records in the custody or is rejected as Unmarketable Title. lf the it must do so diligently. control of a third party that reasonably Company is prejudiced by the failure of (c) Whenever the Company brings an pertain to the loss or damage. All \the lnsured Claimant to provide prompt action or asserts a defense as required information designated as confidential by .mtice, the Company's liability to the or permitted by this policy, the Company the lnsured Claimant provided to the » .H/ Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of lhe date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association .un m SLooooig-“T' 72—031—05 (ewe) 4 OF 9 PAGES ALTA Owner's Policy (6/17/06) 9/5/2018 9:21 AM POLICY NO.: Rl-FS LK—VlS-72—031 —1 -1 5-28966870 Company pursuant to this Section shall subsections (b)(i) or (ii), the Company‘s (c) The Company shall not be liable not be disclosed to others unless, in the obligations to the Insured under this for loss or damage to the lnsured for reasonable judgment of the Company, it policy for the claimed loss or damage. liability voluntarily assumed by the is necessary in the administration of the other than the payments required to be lnsured in settling any claim or suit claim. Failure of the Insured Claimant to made, shall terminate, including any without the prior written consent of the submit for examination under oath, liability or obligation to defend, Company. produce any reasonably requested prosecute, or continue any litigation. 10. REDUCTlON OF INSURANCE; information, or grant permission to 8. DETERMINATION AND EXTENT OF REDUCTION OR TERMINATION OF secure reasonably necessary information LIABILITY LIABILITY from third parties as required in this This policy is a contract of indemnity All payments under this policy, except subsection, unless prohibited by law or against actuai monetary toss or damage payments made for costs, attorneys’ governmental regulation, shall terminate sustained or incurred by the Insured fees. and expenses, shall reduce the any liability of the Company under this Claimant who has suffered loss or Amount of Insurance by the amount of as to policy that claim. damage by reason of matters insured the payment. . 7. OPTIONS TO PAY OR OTHERWISE against by this policy. 1'1. LIABILITY NONCUMULATIVE SETTLE CLAIMS; TERMINATION OF (a) The extent of liability of the The Amount of insurance shall be LIABILITY Company for loss or damage under this reduced by any amount the Company In case of a claim under this policy, policy shall not exceed the lesser of pays under any policy insuring a the Company shall have the following (i) the Amount of insurance; or Mortgage to which exception is taken in additional options: (ii) the difference betWeen the Schedule B or to which the lnsured has (a) To Pay or Tender Payment of the value of the Title as insured and the agreed, assumed, or taken subject, or Amount of Insurance. value of the Title subject to the risk which is executed by an lnsured after To pay or tender payment of the insured against by this policy. Date of Policy and which is a charge or Amount of Insurance under this policy (b) If the Company pursues its rights lien on the Title, and the amount so paid together with any 'costs, attorneys’ fees, under Section 5 of these Conditions and shall be deemed a payment to the and expenses incurred by the Insured is unsuccessful in establishing the Title, lnsured under this policy. Claimant that were authorized by the as insured, 12. PAYMENT OF LOSS Company up to the time of payment or (i) the Amount of Insurance shall When liability and the extent of loss or tender of payment and that the Company be increased by 10%, and damage have been definitely fixed in is obligated to pay. (ii) the Insured Claimant shall have accordance with these Conditions, the Upon the exercise by the Company of the right to have the loss or damage payment shall be made within 30 days. this option, a“ liability and obligations of determined either as ofthe date the claim 13. RIGHTS OF RECOVERY UPON the Company to the Insured under this was made by the Insured Claimant or as PAYMENT OR SETTLEMENT policy, other than to make the payment of the date it is settled and paid. (a)Whenever the Company shall have required in this subsection, shall (c) In addition to the extent of liability settled and paid a claim under this policy, terminate, including any liability or under (a) and (b). the Company will atso it shall be subrogated and entitled to the obligation to defend, prosecute, ‘or pay those costs, attorneys’ fees, and rights of the lnsured Claimant in the Title continue any litigation. expenses incurred in accordance with and all other rights and remedies in (b) To Pay or Otherwise Settle With Sections 5 and 7 of these Conditions. respect to the claim that the lnsured Parties Other Than the Insured or With 9. LIMITATION OF LIABILITY Claimant has against any' person or the insured Claimant. (a) if the Company establishes the property, to the extent of the amount of (i) To pay or otherwise settle with Title, or removes the alleged defect, lien any loss, costs, attorneys' fees, and other parties for or in the name of an or encumbrance, or cures the tack of a expenses paid by the Company. lf insured Claimant any claim insured right of access -to or from the Land, or requested by the Company, the lnsured against under this policy. ln addition, the cures the claim of Unmarketable Title, all Claimant shall execute documents to Company wiil pay any costs, attorneys’ as insured. in a reasonably diligent evidence the transfer to the Company of fees, and expenses incurred by the manner by any method, including these rights and remedies. The lnsured insured Claimant that were authorized by litigation and the completion of any Claimant shall permit the Company to the Company up t0 the time of payment appeals, it shall have fully performed its sue, compromise, 0r settle in the name of and that the Company is obligated to obligations with respect to that matter the lnsured Claimant and to use the Pay; 0r and shall not be iiabte for any loss or name of the'lnsured Claimant in any (ii) To pay or otherwise settle with damage caused to the Insured. transaction or litigation involving these the Insured Claimant the toss or damage (b) In the event of any litigation. rights and remedies. provided for under this policy, together including litigation by the Company or lf a payment on account of a claim with any costs, attorneys’ fees, and with the Company's consent, the does not fully cover the loss of the expenses incurred by the insured Company shall have no liability for loss or lnsured Claimant, the Company shall Claimant that were authorized by the damage until there has been a final defer the exercise of its right to recover Company up to the time of payment and determination by a court of competent until after the lnsured Claimant shall have that the Company is obligated to pay. jurisdiction, and disposition of all appeals, recovered its loss. Upon the. exercise by the Company of adverse to the Title, as insured. (b) The Company's right of either of the options provided for in subrogation includes the rights of the jCopyrighl American Land Title Association. All rights reserved. The use of lhis Form is restricted to ALTA licensees and ALTA members in good standing as ol’ . ' the date of use. All other uses are prohibited. Reprinted under license from lhe American Land Tltle Association n n smooczf 72-031-06 (6/05) 5 OF 9 PAGES ALTA Owner's Policy (6/1 7/06) 9/5/2018 9:21 AM POLICY NO.: Rl-FSLK—VlS-72-031 —1 —1 5-28966870 Insured to indemnities, guaranties, other issued at any time is made a part of this (b) Choice of Forum: Any litigation or policies of insurance, or bonds, policy and is subject to all of its terms other proceeding brought by the Insured . notwithstanding any terms or conditions and provisions. Except as the against the Company must be filed only contained in those instruments that endorsement expressly states, it does in a state or federal court within the address subrogation rights. not (i) modify any of the terms and United States of America or its territories 14. ARBITRATION provisions of the policy, (ii) modify any having appropriate jurisdiction. Either the Company or the Insured prior endorsement, (iii) extend the Date 18. NOTICES, WHERE SENT may demand that the claim or of Policy, or (iv) increase the Amount of Any notice of. claim and any other controversy shall be submitted to Insurance. notice or statement in writing required to arbitration pursuant to the Title Insurance 16. SEVERABiLITY be given to the Company under this Arbitration Rules of the American Land In the event any provision of this policy must be given to the Company at Title Association (“Rules“). Except as policy. in whole or in pan, is held invalid provided in the Rules, there shall be no or unenforceable under applicable law, CHICAGO TITLE INSURANCE joinder or consolidation with claims or the policy shall be deemed not to include COMPANY controversies of other persons. Arbitrable that provision or such part held to be P.O. Box 45023 matters may include. but are not limited invalid, but all other provisions shall Jacksonville, FL 32232-5023 to, any controversy or claim between the remain in full force and effect. Attn: Claims Department Company and the Insured arising out of 17.0H0lCE OF LAW; FORUM or relating to this policy, any service in (a) Choice of Law: The Insured connection with its issuance or the acknowledges the Company has breach of a policy provision, or to any underwritten the risks covered by this other controversy or claim arising out of policy and determined the premium the transaction giving rise to this policy. charged there for in reliance upon the law Ail arbitrable matters when the Amountof affecting interests in real property and Insurance is $2,000,000 or less shall be applicable to the interpretation, rights, arbitrated at the option of either the remedies, or enforcement of policies of Company or the insured. All arbitrabie title insurance of the jurisdiction where matters when the Amount of insurance is the Land is located. in excess of $2,000,000 shall be Therefore, the court or an arbitrator arbitrated only when agreed to by both shall apply the law of the jurisdiction the Company and the insured. Arbitration where the Land is located to determine _,'pursuant to this policy and under the the validity of claims against the Title that ‘ Rules shall be binding upon the parties. are adverse to the insured and to Judgment upon the award rendered by interpret and enforce the terms of this the Arbitrator(s) may be entered in any policy. ln neither case shall the court or court of competent jurisdiction. arbitrator apply its conflicts of law 15. LIABILITY LIMITED TO THIS principles to determine the applicable POLICY; POLICY ENTIRE CONTRACT law. (a) This policy together with ail endorsements, if any, attached to it by the Company is the entire policy and contract between the Insured and the Company. In interpreting any provision of this policy, this policy shall be construed as a whole. (b) Any claim of loss or damage that arises out of the status of the Title or by any action asserting such claim shall be restricted to this policy. (c) Any amendment of or endorsement to this policy must be in writing and authenticated by an authorized person, or expressly incorporated by Schedule A of this policy. (d) Each endorsement to this policy ‘JCopyrlght American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of .mmgax— the date o! use. All other uses are prohibited. Reprinted under license from the American Land Title Association nrmnm mummy». smooofig": 72—031—05 (6/06) 6 OF 9 PAGES ALTA Owner's Policy (6/1 7/06) ‘ 9/5/2018 9:21 AM CHICAGO TITLE INSURMQE COMPANY SCHEDULE A Name and Address of Title Insurance Company: CHICAGO TITLE INSURANCE COMPANY P.O. Box 45023 Jacksonville, FL 32232—5023 Attn: Claims Dept. Policy No.: Rl-FSLK-VlS-72-031—1—15—28966870 Address Reference: 528 NANAQUAKET RD TIVERTON. RI 02878 County: NEWPORT Amount oflnsurance: $555,000.00 ‘ 28966870 i Date of Policy: 07/27/2015 OrderNo.: 1. Name of Insured: VINCENT MAJEWSKI AND REBECCA MAJEWSKI 2. The estate or interest in the Land that is insured by this policy: FEE SIMPLE . Title is vested in: 3. VINCENT MAJEWSKI AND REBECCA MAJEWSKI 4. The land referred to in this policy is described as follows: See Exhibit A attached hereto and made a part hereof ServiceLink, LLC Authorized Slqnmory THIS POLICY VALID ONLY IF SCHEDULE B IS ATTACHED J . All rights réserved. The use of this Form is restricted lo ALTA licensees and ALTA members in good Copyright American Land Title Association. AL.“ " All other are prohibited. Reprinted under license from the American Land ‘fitle Association m{j standing as of the dale of use. uses “in 'n'l SLO“ ”0049 72-031~06 (6/06) 7 0F 9 PAGES ALTA Owners Policy (6/17/06) 9/5/2018 9:21 AM Policy N0.: Rl~FSLK~VlS—72-O31-1-’I 5-28966870 EXHIBIT A LEGAL DESCRIPTION ALL THAT PARCEL OF LAND IN THE TOWN OF TlVERTON, NEWPORT COUNTY, STATE OF RHODE ISLAND, BEING BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT IN THE EASTERLY LINE OF NANAQUAKET ROAD AT THE SOUTHWESTERLY CORNER OF THE LAND TO BE DESCRIBED AND AT THE NORTHWESTERLY CORNER OF LAND OF E. ET AL, KENNETH E. WOOD ET AL, THENCE RUNNING EASTERLY BY LAND OF SAID KENNETH WOOD FIVE HUNDRED TWENTY (520) FEET, MORE OR LESS, TO THE HIGH WATER LINE OF THE NANAQUAKET POND; THENCE RUNNING NORTHERLY BY THE HIGH WATER LINE OF SAID POND ONE HUNDRED (100) FEET, MORE OR LESS, FOR A CORNER, THENCE RUNNING WESTERLY IN A LINE PARALLEL WITH THE SOUTHERLY LINE HEREIN FIVE HUNDRED THIRTY (530), FEET, MORE OR LESS. TO THE EASTERLY LINE OF SAID NANAQUAKET ROAD; THENCE RUNNING SOUTHERLY 1N THE EASTERLY LINE OF SAID ROAD CONTAINING ONE (1) ONE HUNDRED (1 00) FEET, MORE OR LESS, TO THE POINT OF BEGINNING, AND ACRE AND FORTY-TWO (42) RODS, MORE OR LESS. TAX ID ID# 403-1 67~OOO k ‘ SL000050 9/5/2018 9:21 AM ’ :CH.chQC2T1TLE. ‘ IwSUIgiANCZE‘ COMPANY Policy No.: Rl-FSLK-VlS~72—O31-1—1 5-28966870 SCHEDULE B EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs. attomeys’ fees. or expenses that arise by reason of: General Exceptions: Special Exceptions: l4 Copyright American Land Txtle Association. All rights reserved. The use of this Form is restricled to ALTA licensees and ALTA members in good slanding as of lhe date of use. All other uses are prohibited, Reprinted under license from (he American Land Title Association Em;ma(u'i Q] n 72-031-06 (6/06) 9 0F 9 pAGEs ALTA Owner's Policy (6/1 7/06) 9/5/2018 9:21 AM :HICAC0T1TEL VSURANCE COMPANY SHORT FORM RESIDENTIAL LOAN POLICY ONE-TO-FOUR FAMILY Issued by CHICAGO TITLE INSURANCE COMPANY SCHEDULE A Name and Address ofTItle Insurance Company: CHICAGO TITLE INSURANCE COMPANY P.O. Box 45023 Jacksonville, FL 32232-5023 Attn: Claims Dept. File No.2 28966870 Policy No.2 Rl-FSLK~VIS—72—434—1—15—28966870 Loan No.: 1463131910 Address Reference: StreetAddress: 528 NANAQUAKET RD. TlVERTON County and State: NEWPORT. RI Zip Code: 02878 . Amount of Insurance: $426,400.00 Premium: $1 ,473.75 Moflgage Amount: $426,400.00 Mortgage Date: 07/21/2015 Date of Policy: 07/21/2015 or date of recording of insured mortgage. whichever is later Name of Insured: JPMORGAN CHASE BANK. N.A.. IT'S SUCCESSORS AND/OR ASSIGNS, AS THEIR INTEREST MAY APPEAR. Name of Borrower(s): VINCENT MAJEWSKI AND REBECCA MAJEWSKI The estate or interest in the Land identified in this Schedule A and which is encumbered by the Insured Mortgage is fee simple and is. at Date of Policy, vested in the borrower(s) shown in the Insured Mortgage and named above. The Land referred to in this policy is described as set forth in the Insured Mortgage. This policy consists of three pages unless an addendum is attached and indicated below: X Addendum attached ALTA Short Form Residential /.72434 Loan Policy (12-3-12) in Copyright American Land Title Association. AH rights reserved. The use ofthis Form is restricted to ALTA licensees and ALTA members 3315-1131 good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association SL000052 u-u-‘uuw. 1 OF 4 PAGES 5e 9/5/201 8 9:21 AM Policy No.: Rl—FSLK-VlS—72—434-1 —1 5-28966870 SHORT FORM RESIDENTIAL LOAN POLICY ONE-TO-FOUR FAMILY Issued by CHICAGO TITLE INSURANCE COMPANY SCHEDULE A (CONT.) The endorsements checked below. if any. are incorporated in this policy: ALTA ENDORSEMENT 406 (Condominium) ALTA ENDORSEMENT 4.1-06 (Condominium), if the Land or estate or interest is referred to in the Insured Mortgage as a condominium ALTA ENDORSEMENT 5-06 (Planned Unit Development) ALTA ENDORSEMENT 5.1-06 (Planned Unit Development) ALTA ENDORSEMENT 6-06 (Variable Rate), ifthe Insured Moflgage contains provisions which provide for an adjustable interest rate ALTA ENDORSEMENT 6.2-06 (Variable Raie-Negative Amortization), if the Insured Mortgage contains provisions which provide for both an adjustable interest rate and negatIVe amorfizafion. 7-06 if ALTA ENDORSEMENT (Manufactured Housing), a manufactured housing unit {s located on the Land at Date of Policy ALTA ENDORSEMENT 7. 1-06 (Manufactured Housing ~ Conversion; Loan) ALTA ENDORSEMENT 8.1-06 (Environmental Protection Lien) ~ Paragraph b refers to the following state statute(s): NONE ALTA ENDORSEMENT 9-06 (Restrictions, Encroachments, Minerals) ALTA ENDORSEMENT 14—08 (Future Advance - Priority) ALTA ENDORSEMENT 14.1~06 (Future Advance — Knowledge) ALTA ENDORSEMENT 14.3—06 (Future Advance - Reverse Mortgage) ALTA ENDORSEMENT 22-06 (Location) The type of improvement is a one«io-four family residential structure and the street address is as shown above. ALTA ENDORSEMENT 30—06 (Shared Appreciation Mortgage) IN WITNESS WHEREOF, CHICAGO TITLE INSURANCE COMPANY has caused this policy to be signed and sealed by its duly authorized officers. (‘nuzuxq 'nILH ServiceLink, LLc mstikemcr: xttmmm‘ i (($141 mpg,» L.._ Fabath‘ {Award I - SimMMB - ‘ I Countersigned: Afithorlzed Siaiwalon—t ALTA Short Form Residential .72434 Loan Policy (1 2-3-1 2) Copyright American Land Title Association. AH rights reserved. The use of this Form is restricted to licensees and in ALTA ALTA members 3555.33: good standing as of the date ofuse. All other uses are prohibited. sw‘n’um‘n Reprinted under license from ihe American Land Tille Association SL000053 775 2 OF4 PAGES . . 9/5/2018 9:21 AM‘ Policy No.: Rl—FS LK—VlS-72-434—1 —1 5—28966870 SUBJECT TO THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B BELOW, AND ANY ADDENDUM ATTACHED HERETO. CHICAGO TITLE INSURANCE COMPANY, A NEBRASKA CORPORATION, HEREIN CALLED THE "COMPANY." HEREBY INSURES THE INSURED IN ACCORDANCE WITH AND SUBJECT TO THE TERMS, EXCLUSIONS AND CONDITIONS SET FORTH IN THE AMERICAN LAND TITLE ASSOCIATION LOAN POLICY (6-17-06). ALL OF WHICH AREJNCORPORATED HEREIN. ALL REFERENCES TO SCHEDULES A AND B SHALL REFER TO SCHEDULES A AND B OF THIS POLICY. SCHEDULE B EXCEPTIONS FROM COVERAGE AND AFFIRMATIVE INSURANCES Except to the extent of the affirmative insurance set forth below, this policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Those taxes and special assessments that become due or payable subsequent to Date of Policy. This does not modify or limit the coverage provided in Covered Risk 11(b). 2. Covenants, conditions, or restrictions, if any, appearing in the Public Records; however, this policy insures against loss or damage arising from: (a) the violation of those covenants, conditions. or restrictions on or pn'or to Date of Policy; (b) a forfeiture or reversion of Title from a future violation of those covenants, conditions, or restrictions, including those relating to environmental protection; and (c) provisions in those covenants, conditions, or restrictions, including those relating to environmental protection, under which the lien of the Insured Mortgage can be extinguished, subordinated, or impaired. As used in paragraph 2(a), the words "covenants, conditions, or restrictions" do not refer to or include any covenant, condition, or .J restriction (a) relating to obligations of any type to perform maintenance, repair or remediation on the Land, or (b) pertaining to environmental protection of any kind or nature, including hazardous or toxic matters conditions, or substances except to the extent that a notice of a violation or alleged violation affecting the Land has been recorded or filed in the Public Records at Date of Policy and'is not referenced m an addendum attached to this policy 3. Any easements or servitudes appearing in the Public Records; however, this poiicy insures against loss or damage arising from (a) the encroachment, at Date of Policy, of the improvements on any easement, and (b) any interference with or damage to existing improvements, including lawns, shrubbery. and trees, resulting from the use of the easements for the purposes granted or reserved. 4. Any lease, grant. exception, or reservation of minerals or mineral rights or other subsurface substances appearing in the Public Records; however, this policy insures against toss or damage arising from (a) any affect on or impairment of the use ofthe Land for residential one—to-four family dwelling purposes by reason of such lease, grant, exception or reservation of minerals or mineral rights or other subsurface substances, and (b) any damage to existing improvements. including lawns, shrubbery, and trees, resulting from the future exercise of any right to use the surface of the Land for the extraction or development of the minerais or mineral rights or other subsurface substances so teased, granted, excepted, or reserved. Nothing herein shall insure against loss or damage resulting from ’contamination, explosion, fire, fracturing, vibration, earthquake or subsidence. NOTICES, WHERE SENT: Any notice of claim or other notice or statement in writing required to be given to the Company under this policy must be given to the Company at CHICAGO TITLE INSURANCE COMPANY, ATTN: Claims DepaItment. P.O. Box 45023, Jacksonville, FL 32232—5023 ALTA Short Form Residential ._/' 72434 Loan Policy (12-3-1 2) Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in 333:; .u munu; good standing as of the date of use. Ail other uses are prohibited. Reprinted under license from the American Land Title Association SL000054 tz%:- 3 OF 4 PAGES .. ~ 9/5/2018 9:21 AM Policy No.: Rl-FS LK—VlS-72-434-1 -1 5-28966870 CHICAGO TITLE INSURANCE COMPANY ADDENDUM TO SHORT FORM RESIDENTIAL LOAN POLICY Addendum to Policy Number: Rl—FSLK—VIS-72-434-1-15-28966870 File Number: 28966870 SCHEDULE B lN ADDITION TO THE MATTERS SET FORTH ON SCHEDULE B OF THE POLICY TO WHICH THIS ADDENDUM IS A'ITACHED, THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE (AND THE COMPANY WILL NOT PAY COSTS, ATTORNEYS' FEES OR EXPENSES) THAT ARISE BY REASON OF THE FOLLOWING: 1. TAXES OR SPECIAL ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE PUBLlC RECORDS. 2. SAID PREMISES ARE CONVEYED SUBJECT TO THE FOLLOWING RESTRICTIONS AS SHOWN ON DEED BOOK 1036 PAGE 83: 1.NO BUILDING SHALL BE ERECTED THEREON EXCEPTING ONE SlNGLE—FAMILY DWELLING, AND A GARAGE FOR NOT MORE THAN TWO AUTOMOBILES, EXCEPTING THAT A BOATHOUSE, A TOOLAHED AND A KENNEL MAY BE ERECTED ON THE EASTERLY TWO HUNDRED FEET OF THE LAND HEREIN CONVEYED. 2.ANY BUILDING ERECTED THEREON SHALL BE SET BACK THIRTY (30) FEET FROM THE FRONT LINE AND AT LEAST TEN (10) FEET FROM THE 0TH ER BOUNDARY LINES. 3.NO COMMERCIAL BUSINESS SHALL BE CONDUCTED ON SAID PREMISES. 4.THE DWELLING ERECTED OR TO BE ERECTED THEREON SHALL COST NO LESS THAN $7500.00. .r" 5. THE DWELLING TO BE ERECTED THEREON SHALL HAVE A SEPTIC TANK. 3. IN THE EVENT THAT ANY EXCEPTION HEREIN CONTAINS COVENANTS, CONDITIONS AND RESTRICTIONS, SAID EXCEPTION OMITS ANY COVENANTS OR RESTRICTIONS, BASED UPON RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION. FAMILIAL STATUS, MARITAL STATUS, DISABILITY. HANDICAP, NATIONAL ORIGIN, ANCESTRY. OR SOURCE OF INCOME, AS SET FORTH lN APPLICABLE STATE OR FEDERAL LAWS, EXCEPT TO THE EXTENT THAT SAID COVENANT OR RESTRICTION IS PERMITTED BY APPLICABLE LAW. t ALTA Short Form Residential .. 2-3-12) ,72434 Loan Policy (1 Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in 3%:le good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Assdciaflon SL000055 :u‘u'"a 4 0F 4 PAGES £5! @5/2018 9:21 AM Fax Server 7/9/2015 3:13:21 PM PAGE 1/001 Fax Server gfi Citizens Bank Loan Account No: 117661384 Date: 7/9/20 1 5 Requester Name: Attention To: HAILEY CONN Fax. (401) 816—5175 Customer Name: EARL POOLER Collateral Description: 528 NANAQUAKET ROAD TlVERTON RI You are receiving this notification as a result of your recent tequestfor a fax payoff confirmation. To pay your accountin full. you need to remitlhe balance owed of$267,771.17. The amount Ieflected above ls your outstanding loan bala nce of $267,771 . 17 incluslve of a recording fee of $49.00 and/or an early termination lea of $0.00. This amount also includes the Fax Fee of $0.00 which was disclosed to you atthe time of the tax confirmation request The payoff is valid through: 7/24/2015. The Per-dlem is $21.87 per day if payment is received afterthe valid~ through date. Payment can be made at any Citizens Bank branch or mailed to: Consumer Finance AnmPayoff-RJWZEO 443 Jeflerson Blvd. Warwick, RI 02886 Please check one of the followmg selections and sign where Indicated below: D By signing below, l/We request (hatthis account be permanenfly closed to further advances and a discharge of mongage be issued. D By signing below, l/Ws acknowledge thatthis account Ssto remain open and available for future advances and that the payoff amount Is requested only [or the purpose of paying down the account balance. EARL POOLER ELEASE READ Tug otscmmsg Baum Any uulslandlng checks} nr charges lhal am ha! Included 1n lhu above payoff amounl are lhe responsibllny or lho cuslomer. Tho customer Is also responslble for lha enllrc balanca on [ha account regardless of (ha quoted payoff amounl. ll this account ls secured by a mortgage, lhu mortgage wlll nul be feloasud unlil lhe abnvo cundlllons are mel- The customer Information contained In this fax ls only for tho use as quuasted or authorized by the CUstomor whoso name Is listed above, This Inturmallon may nul be reusad {or any purpose or re-disclused to any affiliated or nonaffillalad lhtrd party unless authorized by lhe customer or by RBS clllzens. N.A.. l1 this fax has been received In anor, pleasn destroy thls document lmmndlalety. SLOODOSB ’ 9/5/2018 9:21 AM . DOCUMENT CHECKLIST SemceUnk \/ L 3‘ m nmrmmmsma Prlnt Date: 7/22/2015 1 3:29 Order #: 28966871 Borrower: VINCENT MAJEWSKI Client # a BranCh: 150FAL - SERVICELINK - FALSEITI Dish Date: 07/21/2015 State: RI Loan 1/: 1463131910 i p Package Sent Back: UPON RECEIPT Post Docs: UPON RECEIPT, DUAL POST1NG APPROVED REJECTED N/A FORMAT DOCUMENT * ORIGINAL ONLY HUD * ORIGINAL ONLY NOTE AND RlDERS * ORIGINAL ONLY Truth in Lending Disclosure * ORKmNALONUY LOANAPPUCAHON(momVWTHADDENDUMS .fi "‘39:; * ORIGINAL ONLY - 4506T TAX TRANSCRIPT REQUEST * ONGWALONUY HEMEKHONOFAMOUNTFNANCBAMORHZKHON SCHEDULE Completed By: RENEE HANSEN Dale: 07/22/2015 stacked By: Scanned By: SL000057 9/5/2018 9:21 AM WARRANTY DEED We, EARL POOLER and NINA SZULEWSKI—POOLER, ofthe Town of Tiverton, County ofNewport,.State othode Island, (the “Grantors”), for consideration in the amount of Five Hundred Fifty Five Thqusand and 00/100 Dollars ($555,000.00) the receipt and suficiency ofwhich is hereby acknowledged, do hereby grant to VWCENT MAJEWSKI and REBECCA MAJEWSKI, of the Town of Westport, County of Bristol, State ofMassachusetts, (the “Grantees”), as Tenants by the Entirety, with wammty coven ants, that certain lot or parcel of land, with all the buildings and improvements thereon, located in the Town of Tiverton, " County ofNewporz, State of Rhoda Island which real property is described on “ExhibitA” attached hereto and incorporated herein by reference: For reference phrposes only, the premises is designated as 528 Nanaquaket Road, Tiverton, Rhode Island 02878; Tivcrton Tax Assessor’s Plat 403 Lot 167 as presently constituted. Grantors hereby covenant that no Withholding is required as they are residents of Rhode ~ Island in compliance with R.I. Gen. Laws § 44—30-71 .3, as evidenced b); affidavit. Said premises are conveyed subject to taxes assessed December 3 1, 2014. IN WITNESS WHEREOF, Grantors have signed, acknowledged and delivered these presents this day of July, 2015. EMooler STATE OF RHODE ISLAND . COUNTY 0F Mgw Qo £7” ’g/ [IO In A22] ?)(J 0n the day of July, 2015, before me personally appeared Earl fl l y Pooler, to me known and known by me to be the party executing the foregoing instrument and acknowledged said instrument by him to be his free actW ‘wa‘? ' NotaryPublic: . . L113 H (2W, Egg m ‘ Notary Public Number: 3 Sb 0 55 My Commission ExpiICSI Decau/IM I ( ( 20 I? Page 1 of2 SL000058 7 ’7—W01'8’W—i fix %A 0% Nina Szulewskl—Pofi STATE OF RHODE ISLAND COUNTY OF g $4 I 2mg; ”h Ln Wu) on the 1D day of July, 2015 before me personally appeared Nina Szulewski~Pooler, to me known and known by me to be the party executing the foregoing instrument and acknowledged said instrument by her to be her fiee and deed. :ct NOW +§wuj Ms (bun, 597 Notary PublicNumber: 4g“) gg My Commission ExpiIeS ‘Decew’tgu Hf 901 7 GRANTEE MAlLlNG ADDRESS: Page 2 of 2 SL000059 9/5/2018 9:21 AM Return To: Chase Records Center Arm: Collateral Trailing Documents RE: MC 8000, 700Kansas Lane - Monroe LA 7 1203 Prepared By: Krista Whitehair 1111 Polaris Parkway Columbus, OH 43240 Mortgage Definitions. Words used in multiple sections of this document. are defined below and other words are defined in Sections 3, 11, l3, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Sec'tion 16. " (A) "Securirylnsrrumenl means this document, whichis dated July 2 l, 2015, together with all Riders ’ to this document (B) ”Borrower" is VINCENT MAIBWSKI AND REBECCA MAJEWSKI, Husband and Wife. Borrower is the mortgagor under this Security Instrument. (C) "Lender" is JPMorgan Chase Bank, N.A.. Lender is a National Banking Association organized and existing under the laws of the United States. Lender‘s address is 111] Polaris Parkway, Floor 4J, Columbus, OH 43240 .Lender is the mortgagee under this Security Instrument. " (D) "Note means the promissory note signed by Borrower and dated July 21, 20 l 5. TheNote states that Borrower owes Lender four hundred twenty six thousand four hundred and 00/1 00 Dollars (U.S. 14531 31910 RHODE ISLANbslngio FamIv-Fomlo MuB/Fmddla Mao UNIFORMINSTRUMENT Fum 3040 lIGI (my. 11/92) VMPQ m‘ Q P3901 DH valmr: Khmer Finandal Snm‘ccs 2015072014231944420140825Y , Hwy M DIM II||IIIIIIIIIIIII IIIIIIII IIIIIII HIIIIIIIIIIIII IIIIIIIIIIIlIIII IIIIII II SL000060 _' ' 9/5/201 8 9:21 AM . $426,400.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fill! not later than August 1, 2030. " (E) "Property means the property that is described below under the heading "Transfer oijghts in the Property." " (F) "Loan means the debt evidenced by the Note, plus interest, any prepayment charges and late chargw due under the Note, and all sums due under this Security Instrument, plus interest. " (G) "Riders means all Riders to this Security Instrument that are executed by Borrowar. The following Riders arc to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Condominium Rider D Second Home Rider D Balloon Rider Cl Planned Unit Development Rider D 1-4 Family Rider D VA Rider D Biweekly Payment Rider D Othcr(s) [specify] (H) ‘fipplicable Law" means all contIolling applicable fédcral, state and local statutes, regulations, ordinances and administrative rules and orders (that have the efi‘ect of law) as Well as all applicable final; non-appealablejudicial opinions. (I) "Communioi Association Dues, Fees, andAssessments” means all dues, fees, assessments and other charges thal are imposed onBonowcr or the Pmperty by a condomim'mn association, homeowncrs association or similar organization. (J) "Electronic Funds Transfer" means any h‘ansfcr offimds, other than a transaction originated by check, drafi, or similar paper instrument, which is inlti ated through an electronic tenninal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but 1's not limited to, point~of-sale transfers, automated teller machine transacu'ons, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. " (K) "Escrow Items means those items that are described in Section 3. " (L) "M'scellaneous Pmceea’: means any compensation, settlement, award ofdamages, or proceeds paid by any third party (other thzm insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or dcstmction of, tho Property; (ii) condemnation or other taking ofall or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as .to, the value and/or condition of the Propelty. " ' (M) 'Mofigage Insurance means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment” means the regularly scheduled amount due for (i) principal and intercstunder the Note, plus (ii) any amounts under Section 3 of this Security Instrument. ” (0) "RESPA means me Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (1 2 C.F.R. Part 1024), as they might be amended fiom Me to time, or any additional or successor legislation or regulation that governs the same subject 1463131910 RHOOE l5LAND$hgln FumW—an‘e MaelFraddlo Moo UNIFORM INSTRUMENT Fem: 3N0 1I0l (rev. 11102) \mw Wu ' Walters Khmer F‘nandal Services 20150720N.2.om44m140m¥ ltih'uls: k4” Rfi&'Pagn 2 cf l7 D 05 lllllllll ll llllllll llllll l. llll l lllllll | lllllllllllll lllll Ill SL000061 9/5/2018 9:21 AM matter. As used in this Security Insmlment, RESPA 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 Joan" under RESPA. (P) "Successor in Interest ofBorrower” means any party that has taken title to the Property, 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 Secun'ty Instmment secures to Lender: (i) the repayment of the Loan, and allrenewals, extensions and modifications of the Note; and (ii) the performance of Borrower‘s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower docs hereby mortgage, gant end convey to Lender, with Mortgage Covenants upon the Statutory Condition and with the Statutory Power ofSalc, the following described propertylocated in the COUNTY [Type of Recording Jurisdiction] ofNewport [Name ofRecording Iun'sdiction]: See Attached Parch ID Number: 403-167-000 which currently has the address of 528 NANAQUAKBT RD [Street] TIVERTON [City], Rhode Island 02878 [Zip Code] ("Property Address"): TOGETPER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part ofthe property. All replacements and additions shall also be covered by this Security Instrument. All ofthe foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS thatBorrower 1's lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances ofrecord. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances ofrecord. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non—unifonn 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 pn'ncipal 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 pmsuant t0 Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. cmtency. However, if any check qr other instrument received by Lender as payment under the Note or this Security Instmment is retumed 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 ofthe following forms, ~ as selected by Lender: (a) cash; (b) money order; (c) certified 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 (d) Electronic Funds Transfer. Payments arc deemed received byLender 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 insuficient to bring the Loan cunent. Lender may accept any payment orpartial payment insuficient to bring the 1465131810 move Ismuosmm Famnynm‘a Mau/mem Mac umFom mmumam Form mo 1m (rm. 11/02; VMPQ Wallets )vaer Fmana‘al Sans 2015072014202944420140528Y Initials: 'm M-Pags 8 o! 17 IIIIIIIIIIIII l IIIIIIIIII II llllllllllli illilll ”ill”IIIIIIIIIIIIIIIIIIIIIIIIIIIIII Ill lllllll SL000062 V 9/5/20178‘9221 AM Loan current, without waiver of any rights hereunder or prejudice to its rights to refilse such payment or partial payments in the finure, but Lender is not obligated to apply such payments at the time such payments are accepted. Ifeach Periodic Payment is applied as of ifs scheduled due date, then Lender need notpay interest on unapplied funds. Lender may hold such unapplied funds until Bouower makes payment to bring the Loan current. IfBorrower does not do so'withjn a rcasonableperiod of time, Lender shall either apply such funds or return them to Borrower. Ifnotapplied earlier, such fimds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Bonowcr might have now or in the future against Lender shall relieve Borrower fiom making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application 0f Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied m the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment m the order m which it became due. Any remaining amounts shafl be applied first to late charges, second to any other amounts due under this Security Insh'ument, and then to reduce the principal balance of the Note. IfLender receives a payment fiom Borrower for a delinquentPeriodic Payment which includes a suficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Pcn’odic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment ofthe 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 first to any prepayment charges and then as described in the Note. Any application ofpayments, 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. Bouower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is‘paid m full a sum (the "Funds") to provide for payment of amounts due for. (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and ail insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to bender 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, ifany, be escrowed by Bon'ower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly 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 obligau'on 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, Bouower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment ofFunds has been waived by Lender and, ifLender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender . 1453131910 RHODE ISLAND-Shgle FBmliy-HIWB MENFIsddlB Mac UNIFORM INSTRUMENT Form 3040 IIOl ('81. VMPG 1018/02) Ol/ Wollan Khmer Fandn! Services 2015072014. 2.0.2944-J20140825Y lnllialflUM’m P899 4 17 05 HIIHHIWU Ill Hill lllllll Illilll illllllHll lllllll lillllllilllillllmlll SL000063 9/5/2018 9:21 AM 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 agreement" is used in Section 9. IfBonower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrowar 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. Le‘nder may, at any time, collect and ho)d Funds in an amount (a) sufiicicnt to permitLender to apply the Funds at the lime Specified under RBSPA, and (b) 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 offuture Escrow Items or olhcrwise in accordance with Applicable Law. Tthunds shall be held in an institution whose deposits arc insured by a federal agency, inshumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified 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 Bonowerinterest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agcement is made in Wliting 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 RBSPA. Ifthere is a surplus ofFunds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordancewith RESPA. If there is a shortage ofFunds held in escrow, as defined 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 monthly payments. Ifthere is a deficiency ofFunds held in escrow, as defined under RESPA, Lender shalt notify Bormwer as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Insh'ument, Lender shall promptly refund to Borrower any Funds held by Lender 4. Charges; Liens Borrower shallpay all taxes, assessments charges, fines, 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. BOHOWeI shall promptly discharge any lien which has piiority over this Security Instrument unless Borrower: (a) agrees in writing to the payment ofthe obh'gah'on secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings Which in Lender's opinion operate 1463131910 RHDDE ISIAND-~Sinolc FumilrFBnnk: MadFmddIe Mac UNIFORM INSTRUMENT Farm 3040 1/01 (rev. HIDZ] VMP® 08/ H Wailers lOuwarFtnma‘al Sarv‘ms 2016072014.ZOMJZOMOBZBY lnllialsm Pegs 5 or 17 llllllililillll lilliHi” llililillllll Um” lmflllllllilIll fl Ill l "ll O SL000064 9/5/2018 9:21 AM to prevent the enforcement ofthe lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures fiom the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Secun'ty Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Secun'ty Insmlment, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Sech'on 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall keep the improvements now existing or hereafier erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shallbe maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change dun'ng the term ofthe Loan. The insurance cauier providing the insurance shall be chOSen by Borrower subjeet-to Lender‘s right to disapprove BorrOWer's choice, which tight shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: a one-fime charge for flood zone (a) ' ‘ determination, certification and hacking services; or (b) a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might aflect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency'm connection with the review of any flood zone determination resulting from an objection by Borrower. IfBorrower fails to maintain any ofthe coverages described above, Lender may obtain insurance coverage, at Lender‘s option and Bonowet’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 mightprovide greater or lesser coverage than was previously in efl‘ect. Borrower aclmowledges that the cost ofthe insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt ofBorrower seemed hy this Security Instmment. These amounts shall hear interest at the Note rate fiom the date ofdisburscment and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. A11 insurance policies required by Lender and renewals ofsuch policies shall be subject to Lender‘s right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee andJOr as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. IfLender requires, Bouower shall promptly give to Lender all receipts ofpaid premiums and renewal notices. IfBorrower obtains hnyform 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 ifnot made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall 14631319i0 ' RHODE ISLAND-Sinée anYy-Fannlo Mae/Flodd‘ro Mao UNIFORM INSTRUMENT Form 3040 1/01 (ray. 11/02) VMM D&‘H Worms Khmeri-‘mno'al Services 2035072034. 2.0. 2944-JZDI40828Y lnmalsM- ‘ Page 6 n! I7 lllll Nllllilillll ill Illillilliliillllllli HHIHH ll ll! llllllill"ll!illlllllllilllillli SL000065 V 9/5/201 8 9:21 AM be applied to restoration or repair ofthe Property, if the restoration or repair is economically feasible and Lender‘s security 1's not JeSSened. Dun'ng 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 promptly. Lender may disburse proceeds for the repaixs and restoration in a single paymept or in a series of progress payments as the work is completed. Unless a'n agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall notbe 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 ofBorrower. If the restoration or repair is not economically feasible or Lender‘s security would be lessened, the insumncc proceeds shall be applied to the sums secured by this Secun'ty Instrument, whether or not then due, with the excess, if any, paid to Borrower Such'Insurance proceeds shall be applied 1n the order provided for 1n Section 2. IfBouower abandons the Preperty, Lender may file, negotiate and settle any available insurance claim and related matters. IfB ortowcr does not respond Within 30 days to a notice fiom Lender that the insurance cam’er has oflered to settle a ciaim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given, In either even}, or ifLender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Insuument, and (b) any other ofBouower‘s n'ghts (other than the right to any refund ofuneamed premiums paid by Borrower) under all insurance policies covering the Property, insofar as such fights 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 Bonower‘s pn'ncipa] residence . within 60 days afier the execufion ofthis Security Instrument and shall continue to occupy the Preperty as Bonower‘s principal residence for at least one year afier the date ofoccupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuafing 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 Preperty, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Bouower shallmaintain the Property in order to prevent the Property fiom deteriorating or decreasing ‘Ln value due to its condition. Unless it is detennined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Prop erty ifdamaged 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 repain'ng or restoring the Propetty only ifLender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series ofprogress payments as the work 1's completed. Ifthe insurance or condemnation proceeds are not suficientto repair or restore the PrOperty, Borrower is not relieved ofBorrower‘s obligation for the completion of such repair or restoration. ' ueamsso RHODE lSlANDSlngla Famlly-Fannle ManIFrewa Mac UMFORM INSTRUMENT Farm 3040 1I01 [mv 11/02) VMP® DBIH Worms nmrnnandal Sarvlcas 20150720“ 10264442014082“ Imhlsufiy Page 7 of 17 Hllllllllll llllllllHillIH Ill”! llllllli lfllllll mill!lllllll llllllllllll ll” Ill SL000066 9/5/2018 9:21 AM Lender or its agent may make reasonable entries upon and inspections of the Property If 1t has reasonable cause, Lender may inspect the interior of the unprovements on the Propeny. Lender shall give Borrower notice at the time ofor prior to such an interior inspection specifying such reasonable cause 8. Borrower‘s Loan Application. Borrower shall be m default ifi during theLoan application process, Borrower or any persons or entities acting at the direction ofBorrower or with Borrower‘s knowledge or consent gave materially false, misleading, or inaccurate infonnafion or statements to Lender (or failed to provide Lender with ma rsn'alinfonnation) in connection with the Loan. Material representations include, but are notlimited to, representations conccming Borrower's occupancy of the Property as Borrowel‘s principal residence. 9. Protection of Lender‘s Interest in the Property and Rights Under this Security Instrument. If (a) Bon'ower fails to perform the covenants and agreements contained m this Security Instrument, (b) there Js a legal proceeding that might significantly affect Lender‘ s interestin the Property and/or rights under This Secun'ty Inskument (such as a proceeding m bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain prion'ty over this Secun'ty Instrument or to enforce laws or regulations), or (c) 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. Lender‘s actions can include, but ate not limited to; (a) paying any sums seemed by a lienwhich has priority over this Security Inslmmcnt; (b) appearing in court; and (c) 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, butis not limited to, entering the Property to make repairs, change locks, replace or board up doors and ivindows, drain water fiom pipes, eliminate building or other code violafions 0r dangerous conditions, and have utilities turned on or om Although Lender may take action under this Section 9, Lender does not have t0 do so and is not under any duty or obligation to do so. It is agced that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Secfion 9 shall become additional debt ofBoxrower secured by this Security Instrument These amounts shall bear interest at the Note rate fiom the date of disbursement and shall be payable, with such interest, upon notice fiom Lender to Borrower requesting payment. Ifthis Security Instrumentis on a leasehold, Borrower shall comply with a1] the provisions of the lease. IfBonower acquires fee title to the Property, the leasehold and the fee title shall notmcrge unless Lender agTees to the merger in wrin'ng. 1 0. Mortgage insurance. Ichnder required Mortgage Insurance as a condition ofmaking the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insumnce in effect If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available fiom 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 requir'ed to obtain coverage substantially equivalent to the Mongage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in‘efiect. fiom an alternate mortgage insurer selected by Lender. Ifsubstantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated ”5313i 910 RHODE JSLANNIngIB FamDy-Fannle Mabfl-‘rnddle Mac UNIFORM INSTRUMENT Pam 3040 1/0) (lav. 108/1102) Walters Khmer Fmandat Services 2015072014.2.0.25¢442014082GY Initials: 'fl’ Fags Bot l7 14 19 05 WWW WWW 1W“ i HHMW WWWWWI H SL000067 9/5/201 8 9:21 AM 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 ofMongage Insurance. Such loss reserve shall be non~refimdable, notwithstanding the fact thattheLoan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or eami‘ngs on such loss reserve; Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the pen'od 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. IfLender required Mortgage Insurance as a condition ofmaking 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—p’éfimdable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any wn'tten 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 t0 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 ifBorrowcr does not repay the Loan as agreed. Borrower is not aparty to the Mortgage Insurance. Mortgage insurers evaluate their total n'sk on all such insurance in force fiom time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on tcm’as 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 offimds that the mortgage insurer may have available (which may include funds obtained fiom Mortgage Insurance premiums). As a result of these ageements, Lender, any purchaser of the Note, another insurer, any reinsurer, any .other entity, or any afiliate of any ofthe foregoing, may receive (directly or indirectly) amounts that den've fiom (or might be characterized as) a portion ofBonowcr‘s payments for Mortgage Insurance, in exchangefoesharing or modifying the mortgage insurer‘s risk, or reducing losses. Ifsuch agreement provides that an afifiate of Lender takes a share of the insurer‘s n'sk in exchange for a share of the premiums paid to the insurer, the arrangement is ofien termed "captive reinsurance." Further: (A) 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. - - (B) 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. Proc'eeds 1 1 . Assignment of Miscellaneous Proceeds; Forfeiture. AIIMisccHaneous are hereby assigned to and shall be paid to Lender. 1463131910 RHODE ISLANDS‘ngla Fal-nhy-Fannla MalFmdd'Ie Mac UNIFORM INSTRUMENT Form 30401 D1 (rev. 11/02) VMPO 9W Walters Kluwnr financial Sundae: 201 507201430290le 40528Y lnlfialsiiMPaga o! 17 lllllllllmll lllllllll lllllll ll ”llUlllHill” llllllmllllll Ill! llllmll SL000068 9/5/2018 9:21 AM Ifthe Property is damaged, such Miscdlaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration 0r repair is economically feasible and Lender's security is not lessened. Dun’ng such repair and restoration period, Lender shall have the n‘ght to hold such Miscellaneous Proceeds until Lender has had an opp ortunity to inspect suchProperty to ensure the work has been completed to Lender’s satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series ofprogrcss 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 b‘e applied in the order provided for in Section 2. ' In the event dfa total taking, destruction, o: loss in value ofthe Property, the Miscellaneous Proceeds shafl be applied to thesums secured by this Security Instrument, whether'or notthen due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, orloss in value ofthe Property in which the fair market value of the Property immediately before the partial taking, desh-uction, 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 ofthe Miscellaneous Proceeds multiplied by the following fiaction: (a) the total amount of the sums secured immediately before the parh'al taking, destruction, or loss in value divided by (b) 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 ofa partial taking, destruction, or loss invalue ofthe Property in which the fiir marketvaluc of the Property immediately before the partial taking, destruction, or lass in value is less than the amount of the sums seemed immediately before the partial taking, destruction, or loss in value, unless Borrowar and Lender otherwise agree in writing, the Misaellaneous Proceeds shall be applied to the sums seemed 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 defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 3O days afler the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair ofthe Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Bonower Miscellaneous Proceeds or the party against whom Borrower has a right of action m regard to ' Miscellaneous Proceeds Bonower shall be 1n default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in fOIfeiture 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 l9, by causing the action or proceeding to be dismissed with a ruling that, in Lendefsjudgment, precludes forfeiture ofthe Property or other material impainnent ofLendet‘s interest in the Property or rights under this Security Instrument. The proceeds of 1453131910 RHODE ISLANDStnyo Family-Fannie MauFruddtu Man UNXFORM INSTRUMENT Funk3040 1101 (m. 11’02) wa 100 Walters MwarFInandal Sewlees 2015072014. 2..0 29444201408st Inlflala.K__mPage ot 17 Ullililll ill! Hill HE HlllH ill lllHll I’llllll H WI ll Ill! \ kl; SL000069 9/5/2018 9:21 AM ' any award or claim for damages that are attributable to the impairment ochnder‘s interest in the Property are hereby assigned and shall be paid to Lender. A11 Miscellaneous Proceeds that arc 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 a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instmment granted by Lender to Borrower or any Successor in Interest ofBorrower shall not operate to release the liability of Borrower or any Successors in Interest ofBorrower. Lender shall notbe required to commence proceedings against any Successor in Interest ofBonrower or to refuse to extend fime for payment or otherwise modify amortization ofthe sums secured by this Security Instrument by reason of any demand made by the ori ginal Borrower or any Successors in Interest ofBorrower. Any forbearance by Lender in exercising 'any right or remedy including, without limitation, Lender‘s acceptance of payments from third persons, entifies or Successors in Interest ofBon'ower Orin amounts less than the amount then due, shall not be a waive: of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agTees that Borrower’s obligations and liability shall be joint and several However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co~signer"): (a) is co-signing this Security Instrument only to mortgage, grapt and convey the co~s1gner's interest m the Property under the terms of this Security Instrument; (b)'is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other BormWer can agree to extend, modify, forbeax ormake any accommodations with regard to the terms ofthis Security Instrument 01‘ the Note without the- co—signct’s consent. Subject to the provisions of Section 18, any Successorin Interest ofBorrower who assumes Borrower‘s obligations under this Secun'ty Instrument in writing, and is approved by Lender, shall obtain all of Borrower‘s rights and benefits under this Security Insmlment. Borrower shall not be released fi’om Bonower's obligations and liability under this Secun'ty Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided 1'11 Section 20) and benefit the successors and assigns ofLender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the pmpose ofprotecting Lender‘s interest in the Property and rights under this Secun'ty Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any otherfees, the absence ofexpress authority in this Security Instrument to charge a specific 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 Sequn'ty Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall bereduced by the amount necessary to reduce the charge to the permitted limit; and (h) any sums already Collected from Borrower which exceeded pennit'ted limits will he 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 Bonowm. If a refund reduces principal, the 1468131910 RHODE lsLANO-Shglo Famliy-~Fannlo MaelFmddla Mae UNIFORM lNSTRUMENT Morin 3N0 1l01 (10v. 11l02) oil Wonars Klmnrfinandal Services 2015072014. ZOWZOHOBZEY lniuaIaV M“‘Poge 11 17 WWW i W WW WI"ml JWWMWWWHWN Him U i SL000070 9/5/2018 9:21 AM reduction will be Heated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Bomowefis acceptance of any such refund made by direct payment to Borrower will constitute a waiver ofany right of action Borrower might have an'sing out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. connection this shall to . Any notice to Borrower in with Security Instrument be deemed have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address ifsent 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 promptly notify Lander ofBorrower's change of address. Ichndcr specifics a procedure for reporting Borrowel‘s change ofaddress, then Bonower shall only report a change of address through that specified 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 first 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. 18. Governing Law; SeVerabllity; Rules of Construction. This Security Instrument shall be governed by federal law and the law of thejurisdiction in which the Property is located. A11 rights and obligations contained inthis Secun'ty Instmment are subject to anyrequirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the 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 ofthis Security Instrument or the Note conflicts with Applicable Law, such conflict shall not afl‘eol other provisions of this Security Imminent or the Note which can be given efi‘ect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words ofthe feminine gender; (b) words in the singular shall mean and include the plural and vice vema; and (c) the word "may" gives sole discretion without any obligation to take any action. '17. Borrower's Copy. Bon‘ower shall be given one copy of the Note and of this Security Instrument 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transfeued in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent ofwhich is the hansfer oftitle by Borrower at a future date to a purchaser. If all or any part of the Properly or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s pri or written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 1453131 910 RHDDE lSLAND-slngls Family-Famla MaBIFraddle MB: UNIFORM INSTRUMENT Fom'l 3040 1/01 (m. VMPO 13m Wailers KEMMFlnandalSmkws 201507201429294442014032“ lnlliala: AMPBQO 12 bl 17 llllllllllllll llll ll llllll llllll ll ll Ill Ill llllll l lullmuml l lllll ll SL000071 9/5/2018 9:21 AM IfLender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a pen‘od of not less than 30 days fiom the date the notice is given in accordance with Section 15 within 'Which Borrower must pay all sums secured by this Security Instrument IfBorrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. IfBouower meets certain conditions, Borrower shall have the fight to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Propeny pursuant lo any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the temn‘nation of Borrowar‘s right to reinstate; or (c) entry of a judgment enforcing this Security Instmmem. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Secun‘ty Insu'ument and the Note as if no accelerah‘on had occurred; (b) cures any default of any other covenants or agreements; (c) pays aII 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 purposa ofprotecting Lender's interestin the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender‘s interest in the Property and rights under this Security Instmmeut, and Borrower's obligation to pay the sums 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: (a) cash; (b) money order, (c) certified 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, inshumcntality or entity; or (d) Electronic Funds Transfer. Up0n reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully efl'ective as ifno 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 0r 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 Instnunent, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. Ifthere is a change ofthe Loan Servicer, Borrower will be given wn'tten 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 infomation RBSPA requires in connection with a notice of transfer of servicing. 1f the Note is sold and thereafier the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Bomower will remain with the Loan Servicer or be transferred to a successor Loan Service: and ar’e not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or bejoined to any judicial action (as either an individual litigant or the member of a class) that arises fiom the other party‘ s actions pursuant to this Secufity 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 01 Lender has notified the other party (with such notice given in compliance with the requirements ofSection 15) ofsuch alleged breach and afforded the other party hereto a reasonable period afier the giving of such notice to take corrective action. if 1463131910 RHODE iSLANNInds anfly-Fanfla MaafFIEdO'IB Ma: UNIFORM iNSTRUMENT Form 8040 ‘UOI (rev. 11/02} VMP® on/ t4 ’ Waiters Khmer Finandal Services 2016072014. 2.02944420140828Y 101%!sz' Page 13 o] 17 1 ills 11111111 11 I111 1111 1 1111ilililll 11111111111111 IHI Ill SL000072 '— ©/5/2o1 8 9:21KM Applicable Law provides a time period which must elapse before certain action can be taken, that time period Will be deemed to bc reasonable for purposes of this paragraph. The notice ofacceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant Io Section 18 shall be deemed to satisfy the notice and opportunity to take corrective actionprovisions of this Section 20. 21. Hazardous Substances- As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, keroscna, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located thatrelate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response ach'on, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pcmfit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything afiecting the Property (a) that is in violation ofany Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value ofthe Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property ofsmal! quantifies of Hazardous Substances that are generally recognized to be appropn’ate to normal residential uses and to maintenance of the Property (including, but notlimjted to, hazardous substances in consumer products). Borrower shall promptly give Lender wn‘tten notice of (a) any investigation, claim, demand, lawmit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Bon‘owm has actual lmowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c)'any condition caused by the presence, use or release of a Hazardous Substance which adversely afl‘ects the value ofthc Property. IfBorrower learns, or is notified by any governmental or regulatory authon‘ty, or any private party, that any removal or other remediation ofany Hazardous Substance afl‘ecting the Property is necessary, Borrowar shall promptly 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. BOHOWer 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 Secfipn 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (h) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified 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 1453131910 RHDDE ISLANNlnflu an‘ly-Funnie Wanmdd‘te HHCUNIFORM INSTRUMENT 3040 1/01 (lav. 11/02) V1!” Fumfl Waller: Khmer Flnandal Sam 20150720!4.2.02944«!20140823Y lnfial5______VLPage 14 o! 17 lllllllllHl H HI H HllllMU lllllllltlllltl ll ll SL000073 9/5/2018 9: 21 AM and the right to bring a court action to assert the non-existence of a default or any othcr 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 STATUTORY POWER OF SALE and any other remediw 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 STATUTORY POWER OF SALE, Lender shall mail a copy of a notice of sale to Borrower as provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys’ fees; (b) to a1] sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of a1] sums secured by this Security Instrument, this Security instrument shall become null and void. Lender shall discharge this Security Instrument. Bonower shall pay any rccordation 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 ofthe fee is permitted under Applicable Law. 24. No Outstanding Automatic Orders In Domestic Relations Cases. Borrower hereby represents and waaants to Lender that either (a) there is no outstanding automatic order under Chapter 15—5 of the Rhoda Island General Laws against any Borrower relating to a complaint for dissolution of marriage, legal separation, annulment, custody or visitation or (b) there ls an outstanding automatic order under Chapter 15-5 of the Rhoda Island General Laws against a Borrower relating to a complaint for dissolufion ofmauiage, legal separation, annulment, custody or visitation, and the other party that 1s subject to such order has consented to, or the court which issued the automau'c order has issued another order authorizing, such Bouowex‘s execution of the Note and this Security Instrument. 25. Homestead Estate. IfBonower heretofore has acquired or hereafier acquires an estate ofhomestead in the Property, Borrower hereby agrees thatsuch homestead estate is waived to the extent ofthis Security Instrument and the amount due under the Note and to the extent of all renewals, extensions and modifications of this Security Instrument or the Note, and that said homestead estate is subject to all of the rights ofLender under this Security Instrument and the Note and alt renewals, extensions and modifications of this Secnfity Instrument and the Note, and is subordinate to the lien evidenced by this Security Instrument, and all renewals, extensions and modifications of this Security Instrument. Furthermore, Borrower hereby waives the benefits of any homestead or similar laws or regulations that may otherwise be applicable fiom time to time. 1463131910 RHDDE lSLAND-Singla F&mflrFannlB MnolFloddlo MEG UNIFORM INSIRUMENT Foym 3040 [rev. wme M‘HM 11/02) “busts XhmerFmandal SSMcee 2015072014. 2.0.2544420140828Y lriflabl—_.__&_..ym Mpage 150M? 05 IIHIIIHIHNIIIIHll WI! lllllll llllllHHill!“ ll" llllllll lllllllllllllllllllll llllml Dill SL000074 9/5/2018 9:21 AM BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Bon‘ower and record ed with it. Borrower %€/* 7M; VINCENT MAJEWSKI Date Seal ’ /L 7M Inf REBECCA MAJEWSKI * Date *Non-Applicant Title Holder Seal - 1463131 910 RHODE ISLANNlnde FamlIy-Fannla MadFIden Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11/02) wwo Mlflr efih 1601‘, WORKS meandalsms 2015072014 H102944-JZDHDBZBY ln}flels:__.._.._ Page 17 1111111111111111111111 111111111111111111111111111111111 111 x.) SL000075 9/5/2018 9:21 AM Acknowledgment State of Rhode Island County of NeWport On—S 2‘ ‘ , in said County, before me personally appeared \A ?\ccmT' m (\\ cw 9K: ?QBCCQA “\(Ar‘AQDJQK: each nd all to u e kno n . d knowu_ to me to be the person(s) executing the foregoing instrument and - My cammr'ssion ' (seal) w V“ * U ?M ’3}, A r... Wmfi A 1 WILLIAM E. PAPLAUSKAS JR. Notary Public 1 Stale o! Rhoda Island 1 Notary m 4; 52085 ~vvv e My Commission Expires Sap 8, 2015 fl Loan Origination Organization: IPMorgan Chase Bank, NA NMLS ID: 399798 Loan Originator: Trevor Tharp NMLS ID: 119552 1453131910 RHODE lSLAND-Slngiu FamflrFBnnlv MaolFredd'xe Mac UNIFORM lNSTRUMENT 3040 1/01 (rev. 11M) VHP® 4”an $70 Walters Kluwar Hmndal Survlces 2015072014 202944 JZDHOEZGY InllIal. 'Fagu or 17 IIIIIIIIIIIIIIIIIIIIIII mil IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII SL000076 9/5/2018 9:21' KM LEGAL DESCRIPTION EXHIBIT "A“ THE LAND REFERRED TO HEREIN BELOW IS SITUATBD IN THE COUNTY OF NEWPORT, STATE OF RHODE ISLAND AND IS DESCRIBED AS FOLLOWS: ALL THAT PARCEL 0F LAND IN THE TOWN 0F TIVERTON, NEWPORT COUNTY, STATE 0F RHODE ISLAND, BEING BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT IN THE EASTERLY LINE OF NANAQUAE’I‘ ROAD AT THE SOUTHWESTERLY CORNER 0F THE LAND T0 BE DESCRIBED AND AT THE NOR’I‘HWESTERLY CORNER 0F LAND OF IENNETH E. WOOD ET AL, THENCE RUNNING EASTERLY BY LAND OF SAID KENNETH E. WOOD ET AL, FIVE HUNDRED TWENTY (520) FEET, MORE 0R LESS, T0 THE HIGH WA'IER LINE OF THE NANAQUAIET POND; THENCE RUNNING NORTHERLY BY THE HIGH WATER LINE OF SAID POND ONE HUNDRED (100) FEET, MORE 0R LESS, FOR A CORNER, THENCE RUNNING WESTERLY IN A LINE PARALLEL WITH THE SOUTHERLY LINE HEREIN FIVE HUNDRED THIRTY (530), FEET, MORE OR LESS, TO TEE EASTERLY LINE OF SAID NANAQUAKET ROAD; THENCE RUNNING SOUTHERLY 1N THE EASTERLY LINE 0F SAID ROAD ONE HUNDRED (100) FEET, MORE OR LESS, TO THE POINT 0F BEGINNING, AND CONTAINING ONE (1) ACRE AND FORTY-TWO (42) RODS, MORE 0R LESS. TAX 1D ID# 4034674100 BY FEE SIMPLE DEED FROM JOHN HOWARD MEDEIROS AS SET FORTH IN DATED 11129/2005 AND RECORDED 11/30/2005, NEWPORT COUNTY RECORDS, STATE 0F RHODE ISLAND. Tltle No.: 28966870 SL000077 9/5/2018 9:21 AM ",‘uul "L99" (ma Apmvamozsozozas ’ o“ u vn“° 3* i A. Settlement Statement (HUD ~1) ‘a w“, ServiceLink l, ‘9 “(y run" FNF'S NATIONAL LENDER PLATFORM Number. 7. Loan Number. B. Inauvanco Case Number. g, D FHA 1U RHs 3m conv_u"|m, B. Fae Medgage 28965871 1463131810 4. D VA an Coanns. c. Nah: Th1: (arm L: rammed toglvo you a :Mummlofadual «Mum Amounla um h: and by me semomenl agmi m mun. nems mum '(pncr ware paid cum 0m Mmayem ehmm here .‘orlrdormauon bu and m nu! lncbdod In lbs loun. D. Name 8- Addmss o! Borrowar: E. Name aMdrsss o! Seller. F. Name 6. Address or Lender. VINCW MAJEWSKJ. REBECCA MAJEWSKI EARL POOLER. NINA JPMORGAN CHASE BANK. HA mo STATE ROAD. WES‘IPORT. MA. 02790 eZULEWSIGPooLER 1m POLARIS PARKWAY. ouwonz. COLUMBUS. 628 NANAQUAKEI’ ROADJ'NERTON. OH. 43240 R1 mm G. Property Location: H. SewermmAganl: l. Sewemenloaln'. 52B MWAKETRD. "VERTON. RI. man SERVICEUNK LLG 07/21/2015 Mum: Piece of sawamont‘ 3913 MNN ROAD. "INERTON. RI. 02578 100. GROSS AMOUNT DUE FROM BORROWER 400. GROSS AMOUNT DUE TOSELLQ 101. CONTRACT SALES PRICE $555,000.00 401. CONTRACT SALES PRICE $555.000.00 102. PERSONAL PROPERTY 402. PERSONAL PROPERTY 103. SEmEuENT CHARGES To BORRUWER (LIME 1400) 56.43931 403. 104. PAYOFF 404. mi PMOFF 405, Amusman' Fokflmsmn avssLLER IN Anvmce AmusmENT FDRHEBS ma BYaELLER m ADVANCE 106. CfTY/TOWN TAXES 406. CITYITOWN TAXES 107. COUNTY TAXES 407. COUNTYTAXES 106.AS$ESSMENTS doaASSESSMENTS 109. OIL PRORATION 5281.25 409. OIL PRO-RA‘HON $281.25 110. 410. 111. 411. 112. 412. 120. GROSS AMOUNT DUE FROM BORROWER $561,721.05 420. GROSS AMOUNT DUE m SELER $555,281.25 zamumums PAID BY ORON BEHALF OF BORROWER 6M. REDUG‘BONS IN AMOUNT DUETO SELLER 201. DEPOSH 0R EARNEST MONEY $5,000.00 501. EXCESS DEPOSIHSEE INSTRUCTIONS) 202. PRINCIPALAMDUNT OF NEW LOANS) $423,409.00 502. 8mm CHARGES 10 SELLENUNE Moo) golausm 203. 3151le LOANS) TAKEN SUBJECI'TO 503. BOSTING LOAN(S) TAKEN SUBJECTTO 204. 504. MORTGAGE PAYUFF To cmzms BANK 1176mm 5267,7714; 205. CLOSING COSI’ REBATE s1o_au 505,PAYOFF 206. GOOD FAITH FUNDS (POO) 5500,00 50$. 207. . 507. . 208. 503. 209. SELLER PAID GFE 509. SELLER PAID GFE ADJUSTHENT FOR "EMS UNPAID BY SElLER ADJUSTMENT FOR ”EMS UNPMD BY SELLER 210. CTI'Y/TOWN TAXES ~ 510. ClTY/TOWN TAXES 2n. comm! Taxes ouwzoxs To ommms 52.62031 511. comm TAXES mums Io 0712112015 52525.91 212. ASSESSMENTS 51ZASSESSMENTS 21$. 513. 214. 614. 215. 515. 216. 516. 217. 517. 215, 619. 219. 51B. 220. TOTAL PAID BY/FDR BORROWER “34.63031 620. TOTAL REDUCTION AMOUNT DUE SELLER 5301.19.108 300. CASH AT SEI'TLEMENT FROM I TO EORROWER 500. CASH AT SETTLEMENTTOI FROM SELLER 301. GROSS AMOUNT DUE FROM BORROWER [UNE 120) 5561121116 601. GROSS AMOUNT DUE T0 SELLER (LINE 420) $555,281.25 307. LESS mourns PAID amen BORROWER (LINE n0) $434,530.91 6024.535 nsnvcnon AMOUNT DUE SELLER (LIME 520) 33m _1 95.03 303. CASH E FROM D TO BORROWER 5127.190.“ 60:. CASH D FROM E TO SELLER 5254.055.” w“ Q\‘~_—_) VW' SBM'OOUIIX P110106 7/20R015 a! 3:18:0WM Pagu 1 uH HUD—l sLoooo78 9/5/2018 9:21 AM OMahppmvaI No.2502v0255 FILE NUMBER: 28956871 PAID FROM PAID FROM BORROWER‘S SELLER'S FUNDS AT FUNDS AT SETILEHEHT $ElTLEMENT . EARNEST MONEYHELDTO KELLERWILLIAMS REALTYNEWPORT FOG BY 802. YOUR CREDIT 0R CHARGE (POINTS) FOR THE SPECIFIC INTEREST RATE 803. YOUR ADJUSTB) ORIGINATION CHARGES T0 JPMORGAN CHASE BANK. 900. ITEMS REQUIRED BY LENDER TD BE PAD IN ADVANCE 901. nAlLYlmEREST CHARGES FROM omuzots To oelomms @ $39.43 (FROM GFEN) $433.73 My - 902. MORTGAGEINSURANCE PREMIUM Q $0.00 FOR o MONTHS (FROM GFEfiS) 903. HOMEOWNER’SINSURANCE Q $1,279.00 FOR 1.00 YEARS TO UNITED [FROM GFEfiH) PROFERTY& CASUALTYINS POO BYEORROWER $1279.00 904. 1001. INmALDEPOSIT FOR YOUR ESDROWACCOUNT TO JPMORGAN CHASE $2979.33 1002. HOMEOWNER'SINSURANCE 3 MONTHS @ $103.58 PER MONTH O 1105. UNDERWRITER'S PORTION OFTHETOTAL TITLE INSURANCE PREMIUM 30me WWTIZMD‘NMI 3:18:00?“ Page 20M HUD~1 SL000079 9/5/2018 9:21 AM CMSAWIOVM No.25020265 FILE NUMBER: 28988871 COMPARISON 0F GOOD FAITH ESHMATE (GFQAND MUB-i CHARGES econ FAITH Esnuxra ”110.1 CHARGES 1HAT CANNOT INCREASE HUD-‘l LINE NUMBER OUR ORlGlNATlON CMRGE # 801 $582.00 W100 voua cReorroacHAReEwoxmswoa me specmc #802 (5533.00) ($533.00) INTEREST RATE CHOSEN YouaAoJUSTEo omemmon cHARees s: eoa maoor 3149.00 TRANSFERTAXES i; 1203 s o.oc| s o.co CHARGES THAT IN TOTAL CANNOY INCREASE MORE THAN 10% # mm 33.470261 $2,577.75 INCREASL- 59mm» 5H: AND uun—I CHARGES ($692.50) or 47.0787» CHARGES THAY CAR CHANGE DAILY INTEREST CHARGES #901 $39.43/dax HOMEOWNER‘S INSURANCE # 803 mmAL DEPOSIT FOR YOUR escaowmcoum i: 1001 LOAN Tamas voun mmAL LOAN AMOUNT Is “25.40090 YOUR LOANTEHMIs 15mm YOUR INITtAumakesr RATE Is 3.375% your: mnw. MomHLY/woum OWED son PRINcIPAL. 35:05-16 WW“ mrsassnmommomcmemsumnce1s E ”WP“ E Imam! U . . . . RISE? CAN YOUR INTEREST RATE E No, n Yea. fl an rm lo a mmmum ol_% . The nrel mama Mil bo on _I_l end mu dnanga again every aflar __I_/ . Every dungo dale.your interest ale can lnwsase or dauaase by_Ya. Over (he Ilia onm loan, yow Intems! rate l: guaranteed lo newbe Iomr than __% or higherthan _‘/.. EVEN (F YOU MAKE PAYMENTS 0N TIME, CAN YOUR LOAN E No. DYeleuanrlsabamafimumofs . BALANCE R|§E? EVEN IF YOU MADE PAYMENTS ONTIME. CAN YOUR E No. D Yas,me nml Increase mu be an I / and lho monthly MONTHLYMlOUNT OWED FOR PRINCIPAL, INTEREST. AND amount awed can rise to s . "ma maxlmum Itcan ever rise MORTGAGE INSURANCE RISE? 10 i! S . DOESYOUR LOAN HAVE APREPAYMENTPENALTY? ~ - g No. U yo; your r wnam f5 s DOES YOUR LOAN HAVEA BALLOON PAYMENT? E No. D Yes. you have a baloon payment of S due ln yeals on__j_l . TOTAI MONTHLYAMOUNT OWED INCLUDING ESCROW U You do no! have a monlhly escrow payment fur items, such as pmpeny ACCOUNT PAYMENTS Ines and homeownerslnsmanceXou must pay lhnse Items dlradly yourself m You have an addmonal mommy enrow paymenl cf $824.77 lhal mantis In a low in’rfial monthly amounl uwod o! 33.846.93.11118 Includes J ' 4 ‘ ‘ ' ‘ ', lnlemsL any and any Hams below. E PROFETYTAXES E HOMEOWNRS INSURANCE D FLOODINSURANCE NOTE: fl you have anyquaauons abom the Sememenl Charges and Loan Tenn; Dsled on lhla form. plaasa contact your lender. JQQ Q”m SonUnkHinbd 7/20f2015 B( 35!th M930” HUD-1 SL000080 9/5/2018 9:21 AM 0MB Appmvnl NO. 2502-0285 HLE NUMBER: 28958871 HUD CERTIFICATION 0P BUYERAND SELLER lhava carefuty reviewed lho HUD~1 Samement Stalemem and lo lhe bus! army knoMedge and helm. il ls a true and acwtala slalemenl o! e! and dbbumamenis made on amount 1n IhIa h-ansadlon. l further mm: my m by ma comfythal I have rodavod a mpy of the HUD~1 "‘ VINCENT 7M MAJEWSKI neasccA MAJEWSKI I" I ‘-l“914.4 {ficlalgl’ NINAaszumwsm-Po‘I ER The HUD‘1 Settlement Slsiamonlvmldr lhave praparod ls n hue and acwrale account o! w: transaction J have mud or will auso the fund be dsbursad In accordance mm mi: statement ‘v[ROLJAOHI‘vi 119MB” SETTLEMENTAGENT DATE Nu/ Smlaeunk Pdnlod7fldfzmb nt 3:18:00PM P3904 0H HUO«1 SL000081 9/5/201 8 9:21 AM oMBAppmv-J N0. $020265 y -1 . A.Setflement Statement (HUD ) 14, 8 ServlceLink "nm-.-«-." mFurs Nmonu LENDER PmeRM . tn FHA 2D RHS 3.5 Commune. 6. Fla Numben. 7. Loan Number. &Mortgngelmumnoe Case Number: 2896687! Mfi131910 4. U VA 5D Comma. c. Nob: 7M! MM» furnished Io aha you namm deem: "mm om. Amount: pud lo aodhy m. smmtcwl mam. Mm: madwd'wmnympnsd Welt. .Du nmohamhmhrbflamafion mdmmllncimdlnmabuh. D. Name & Address c1 Bormmn E Nama fl- Mdtea: al Sena: F. Nam. a-Addrees o! Lender: VINCW MW REBECCA MNEWSKJ EARLPOOLER NlNA JPMORGAK CHASE BANKJU. 1180 STATEROAD. WESTPORT. M 02m stumwsmmomk mi Poums PAMWAY. onmooz COLUMBUS. 523 WUAKET ROAD. WERTON. 03.43240 ‘ moms ' 6. Pmpony LowBon: H SomonwntAqent l. semmml Date: m NANAQUMEI‘ RD. UVER'roN. NI. mm mgmficmw Dhml‘ztij; nah. mpg“ ‘33, 071mm Place afSoKfsmam: 3913 MN ROAD, memo». w. 02m 100. 0R088 AMOUNT DUE FROM BORROWER 400. GROSS MOUNT DUE'IO SELLE mLcONTRACT sALEs mes sssspoom. 401. commorsmes PRICE $555,000.00 102. PERSONAL PROPETY 402. PERSONAL PROPER‘IY m. SEmEMENrcHAReEs TO SORROVER (LINE 1400) 53,439.31 403. 104. PAYOFF 404. 105. PAYOFF 405. mummronma Pm astLLsmu WE Awunuzmvok ma mu 3v 8mm onVAHcE 1 06. CITYITOWN TAXES 408. CUYITOWN TAXES ~ 107. COUNTYTAJGS 407. OOUNIYTAXES 106. ASSESSMENTS 408.AESE$SMENTS 1 09. OIL PRO-RATION $281.25 409. OIL PRO-RATYON 3281 .26 no. 410. 1H. 411. 112. £12. 12¢. GROSS MOUNT flUE FRO}! BDRRO‘NER 5581.721.06 420. GROSS AMOUNT DUETO HELLER 55652313 \.\y 250. AHOUNTS PHD BY 0R0“ BEHALF 0F BDRROWER 600. REDUCTIONG IN AMOUNT DUE TO SELLER 201. DEPOSN OR EARNEST MONEY $5,000.00 501 . HOESS DEPOSIT [SEE lNS'iRUCTl DNS) 202. PRINCIPALAMOUNT OF NEW LOANS) $420.400.00 m2. SETTLEMENY CHARGES \‘o SELEH NNE 1400) $30,803.00 203. HlSTING LOANS) TAKEN SUBJECT T0 503. B(IS‘UNG LOAN(S) TAKEN SUBJEGI’ T0 204. 5M.MORTGAGE FAYOFF To cmzmsBANK 117661384 $257,771,” ~ 205. CLOSING COST REBATE $10.00 £05. PAYOFF _ 206. GOOD FAITH FUNDS (FOG) $500.00 506. - - 207. . 507. . 208. 608. 209. SELLER PAID GFE 509. SELLER PAID GFE ADJUSTMENT FOR ITEM! UNPAID BY SELLER ADJUSTMENTFDR “EMS UNPAID BY SELLER 21 0. CITYII’OWN TAXES 510. CITYITOWN TAXEB 211. coumwces to ommms 511.coum TAXEG womots To 0712mm: thm 3283203: 32.520891 212.ASSE8$MENTS 512. ASSESSMEM’S 213. 513. 214. 51d. 215. 615. 216. 518. 217. 517. 218. 518. 219. 519. 229. TOTAL PAID SYEOR BORROWER Mfi.530.91 520. TOTAL REDUGTKJH AMOUNT bUE SELLER $301,195.08 300. CASH AT SETTLEN‘ENT FROHHO BOMOWER 600: CASH AT SETTLEHENTTOI FRM BEHER 501. aaoss AMOUNr DUE FROM BORROWER (LINE 129) $581 121.05 $01. GROSSAMOUNTDUE To SELER (UNE 420) $555,281.25 302. LEss AMOUNTS PAID EYIFOR BORROWMNE m) $434,530.91 8m. LESS Ramcnon AMOUNT DUE SELLER (Lma 620) 3301135805 m. CASH a FROM D To aomowak $127,190.15 m. CASH D FROM m To SELLER 3254.088.” - v11 N a. 7/20/2015 a! 318:00PM 1 014 SOMwUndenlod Pm HUD-1 9/5/201 8 9:21 AM ouaAppmvul No. 2502-0265 FILE NUMBER: 289W! PA!” FRO“ PAID FROM BDRROWG’S EELLER'S FUNDS AT FUNDS AT SEWLEMENT sEI'I'LEHEHT 704. EARNEST MONEY HELD TO KELLER WILUAMS READY NEWPORT POO BY GFE 802. YOUR CREDIT OH CHARGE (POINTS) FOR THE SPECIFIC INTEREST RATE (FROM GFE #2) 803. YOURADJUSTED ORIGINATION CHARGES TO JPMORGAN CHASE BANK, GFEA) 900. ITEM REQUIRED BY LDIDERTO BE PAID N ADVANCE am. DAILYINIEREsrcHAReEs FROM ommms To calmnow @ $39.43 (FROM GFEMO) 34:13.73 Iday 902. uomomsmsumcs PREMIUM Q 30.00 Fox o MONTHS (FROM GFEN) 903. Homeowusasmsumca @ $1,279.00 FOR 1.00 YEARS To UNnEo (FROM GFE #11) PROPERTY & CASUALTY INS POO BY BORRO‘HER “£79.00 90‘. 1001. INITIAL DEPOSIT FOR YOUR ESCROW ACCOUNT TO JPMORGAN CHASE {FROM GFE #9) 1002. HOMEOWNERSINSURANCE 3 MONTHS a $105.58 PER MONTH 11 08. UNDERWRITER'S PORTION OFTHE TOTALTITLE INSURANCE PREMRUM SeMwUnkh‘Nad‘momwni MBLBOPM P0992014 HUD-1 SL000083 9/5/2018 9:21 AM Okawymdm. 2502-0265 FILE NUMBER: 28956571 GOWARBON GOOD FAITH ESTIMATE (OFEJAHD HL'D-I CHARGE HUDJ WT CANNOT IHGfiEABE YOUR CREDIT OR CHARGE (POINTS) FOR THE SPECIFIC CHARGES THAT IN CANNOT wmn 33317025! 32.87735 lNLIzuAsL ummtu (m I-M: Mum cumincs Usz) or -1 7.073% Lommm YOUR 1&1 fl LOAN AMQUNT l5 $426,400.00 YOUR Lommw rs 15mm voun mm INTEREST RATE Is 3.375% voua mmN. Momvmoum owsn FOR PRINCIPAL. 33-02?“ "WW” Pnnupa: INTEREST. ANDANY nomeAee mswmce as m E Mml D Mwms Insurance CAN YOUR INTEREST RATE RISE? E No. D Yulwanm lo amulmum d_% .Tha flm change WW be on __/,_I and mu change again awry sflar ”J_I . Ewry change dnla,your'mlernat rate nan Increase c! deusava by_%. Overltw Ma of the loan, whletssl Isle 15 guaranteed to nevar bu hm: man__% or high" lhen___.%. EVEN 1F YOU MNG PAYMWTS 0N TIME. CAN YOUR LOAN E No. D Yesmunrlaatoamaadmumors Bwfi filSE’? EVEN IFYOU MAKE PAYMENTS ON YOUR I TIME, CAN E No. D Yes,lhe firmncwnaownhaun I and [ha monme MONTHLYAMOUNT OWED FOR PRINCIPAL, INTEREST. AND Bmounl owad can Ibo ins . The "Wham! can aver (Isa MORTGAGE )NSURANCE RISE? lo Is S . DOES YOURLOAN HAVEAPREPAYMENT PENALTY? ' g Na. g y”, ya“, Dam“; :3 5 , DOES YOUR LOAN HAVEABAILOON PAYMENT? m No. D Yes, you hm a beacon payment of$ dun In ynara m_L/fl. TOTALMONTHLY AMOUNT OWED INCLUDiNB ESCROW D You do nol havo a monuw wcrow paymenuoznorns. such u property ACCOUNT PAYMENTS taxes and homeownur'n InsumnmNou mm pay these llama dlmwy yourset! E You haw an adafloml mm» mow paymerfi of $824.77 Um mum In a lomltnmal monhly amountowed 019,845.93. ms Includes ‘ ' ' L ‘ ‘ lrflemt. any , and my lmms below. B PROPERTY TAXES m Housemawslusumce D FLOODINSURANCE NOTE: Hyou have any qusafions about the Sewemem Charges and Loan Tums [bled on ths loan. plain nomad your lender. M? W“ .._./ SaMwUnk Puma: 7mm at mezoom Pznu aw H UD-I SL000084 9/5/2018 9:21 AM owlkpplwnl No.2002-0286 HLE NUMBER: 28968571 HUD CER'HFICATION OF EUYERAND SELLER lhave milky mviewed 1M HuD-I somenwnl Statement and ta mo bent ofmy knowiedqa and helm, Ms a uua and amte statemml o! nu noelph and dlnb-ummonh made on my woounx or by me ln this transaction. I Wrcomly Hm l navo mdsvod a wpyol me HUD-I vmcenmmswsm Reaaoclmswsxs EARL POOLER NINASZULEWSKI-FooLm The H004 Sohhmantstehmenl whim [have plopamd Is a hue end ammo awn! c1 0i: nmacflm . Irma calmed 0mm mas tho Imda lo disbumedln accordanno wflh [his stalemant ’1 \LIW SETI'LEKENT AGENT Dlm‘ QM. K4 Q SarwooUnk Plinlsdmomwel 3:16:00?!» Pinon” Hum SL000085- 9/5/2018 9:21 AM 'D‘uth—imLending Disclosure Statement You are not required to complete this agreement merely because you have received these disclosxlxres or signed a loan application. Fina] Lender Borrower/Owner Date JPMorgan Chase Bank, N.A. VINCENT MAJEWSKJ, REBECCA July 21, 2015 11 11 Polads Parkway MAIEWSKI Loan Number F100”; 1180 STATE RD 1463‘3‘910 Columbus, 0H 43240 WESTPORT, MA 02790 Property Address: 528 NANAQUAKET RD, ITVERTON, R1 02873 ANNUAL PERCENTAGE FINANCE CHARGE AmountFinanccd Total ofPayments RATE The cost ofyonr credit as a The dollar amount the credit The amount of credit provided The amountyou will have paid yearly rate. will cost you. to you or on your behalf. afler have made all ‘ you payments as scheduled. 3.398% $118,730.67 $425,256.27 $543,986.94 Interest Rate and Payment Summary Rate & Monthly Payment Interest Rate 3.375% ' ' '_ "w"- ' " "WWWW— 'Efifiifi'mr‘esiPéyEc—nwtnm" 'EEme‘W W W Estimated Taxes + Insurance (Escrow) $824.77 Total Estimated Monthly Payment $3,846.93 Demand Featu re. This Joan does not have a Demand Feature. No Guarantee to Refinance. There is no guarantee that you will be ableto refinance to lower yourrgte and payments. Security. You are giving a Security interest in the property located a1: 528 NANAQUAKBT RD, TIVERTON, RI 02878 Assumption. Someone buying this property cannot assume the remainder of the mortgage on the original terms. Property Insurance. You may obtain hazard and flood insurance from any company you choose that is acceptable to the lender. Late Charges. Ifyour payment is more than 15 days late, a charge of 5% of the overdue payment of principal and interest will be assessed. Prepayment. Ifyou pay offyour loan early, you will not have to pay a penalty. It‘you pay ofi‘your loan early, you will not be entitled to a refimd ofpart of the finance charge. Sec your contract documents for any additional information regarding non—payment, default, any required repayment in full before scheduled date, and prepayment refunds and penalties. W M- 1463131910 Tmlh in landing D'sdowm VMPO 01/11 Wollms Kluwarqundal SaMwssZOO-LZMO 2015072014102944J20140828Y P3991 012 Ill llllll l ll Ill llllllllll Ill" U l" ”lllllllllllllllllllllllllllllllll SL000086 fl”) \ Date REBECCA MAJE‘VSKF‘ 41342? * n—A Iicant 77:13 W“ M 111111111 11111 00000000 9/5/2018 9:21 AM Truth-in-Lending Disclosure Statement You are not required to complete this agreement merely because you have received these disclosures or signed a Joan application. Final Lender Borrower/Owner Date JPMorgan Chase Bank, N.A. VINCENT MAJEWSKI, REBECCA July 2 l , 201 5 MAIEWSKI 1111 Polan‘s Parkway Loan Number Floor 4} 1180 STATE RD 1463131910 Columbus, OH 43240 WESTPORT,MA02790 Property Address: 523 NANAQUAKET RD, TIVERTON, RI 02878 ANNUAL pERCENTAGE FINANCE CHARGE Amount Financed Total ofPaymentS RATE The cost of your credit as a The dollar amount the credit The amount ofcredit provided The amount you will have paid yearly rate. will cost you. to you or on your behalf. aflcr you have made all payments as scheduled. . 3.398% - $118,730.67 $425,256.27 $543,986.94 Interest Rate and Payment Summary Rate & Monthly Payment Interest Rate 3.375% n Principal + InterestPayment $3,022.16 Estimated Taxes + Insurance (Escrow) $824.77 Total Estimated Monthly Payment $3,846.93 Demand Feature. This loan does not have a Demand Feature. No Guarantee to Refinance. There is no guarantee that you will be able to refinance to lower your rate and payments. Security. You are giving a security interest in the property located at: 528 NANAQUAKET RD, TWERTON, RI 02878 Assumption. Someone buying this property cannot assume the remainder of the mortgage on the original terms. Property insurance. You may obtain hazard and flood insurance fiom any company you choose that is acceptable to tho lender. Late Charges. Ifyour payment is more than IS days late a charge of5% of the overdue payment ofprincipal and interest will be assessed Prepayment. Ifyou pay ofi‘your loan early, you will not have to pay a penalty. lfyou pay offyour loan early, you will not be entitled to a refimd of part of the finance charge. See your contract dOCumcnts for any additional information regarding non—payment, default, any required repayment in full before scheduled date, and prepayment refimds and penalties. ”7? 93k” 1/, “531M910 1’!th in lawns D'sdnsuu VMP® Ollll Wollm Khmer Financial Sawlces 0 2004. 2010 2015072014. 2.MMJZMWBZSY Page 1 0'2 Ill ll! ll! NH llllllll ll [ll ll lllllllllllllllll lllllllllllllll t. SL000088 9/5/2018 9:21 AM WWWWWWWWWWWW REBECCA MAJEWSKI * Iicanl 77112 H01 ’r MN 1111111111 1/11 H. . .294 0328 ziifliiiinlitiuMinimmmmunmmlmlmlmNmimmmmummmImnmuunmmiifliini 1.\ 00000000 9/5/2018 9:21 AM Note July 21, 2015 'I‘NERTON RI [Date] [City] [State] 528 NANAQUAKET RD, TIVERTON, RI 02878 [Property Address] 1. Borrower's Promise to Pay. In retum for a loan that I have received, I promise to pay U.S. $426,400.00 (this amount is called ~"Principal"), plus interest, to the order of the Lender. The Lender is JPMorgan Chase Bank, N.A.. l will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender OI anyone who takes this Note by transfer and who is entitled t0 receive payments under this Note is called the ”Nole Holder". 2. Interest. Interest will be charged on unpaid principal until the fill] amount ofPrincipal has been paid. I will pay interest at a yearly rate 0f3.375%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) 0f this Note. 3. Payments. (A) Time and Place of Payments. Iwill pay principal and interest by making a payment every month. I will make my monthly payment on the lst day of each month beginning on September 1, 201 5. Iwill make these payments every month until I have paid all of the principal and interest and any other charges described below thatI may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on August l, 2030, I still owe amounts under this Note, Iwill pay those amounts in full 0n that date, which is called the "Maturity Date". I will make my monthly payments at P.0. Box 78420, Phoenix, AZ 85062-8420 or at a different place ifrcquired by the Note Holder. (B) Amount of Monthly Payments. My monthly payment will be in the amount ofU.S. $3,022.16. 4. Borrower's Right to Prepay. I have the right to make payments ofPrincipal at any time before they are due. A payment of Principal only is known as a "Prepayment". When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment ifI have notmadc all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be nochanges in the due date or in the amount of ~ my monthly payment unless the Note Holder agees in writing to those changes. 5. Loan Charges. If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or lo be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refimd by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. Borrower's Failure to Pay as Required. 1463131910 Mumsm's FIXED RATE NOTE--5innte Famhy-Fannle MeeIFradme Mae Umrom INsrRWENr .Form 3200 [1101) VMW 04113 Walters Khmer F‘nandnl Semen 2016072014 10.2944420140026? lnlfinlsL Pagol ot 3 ll ll ll ll llllllll lllllllll ll l ll llllllllllllll lllllllllllllllllll i SL000090 9/5/2018 922:1 m (A) Late Charge for Overdue Payments. Ifthe NoteHolder has notreceived the full amount ofany monthly payment by the end ofFifieen calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000% ofmy overdue payment of principal and inte1'.est I will pay this late charge promptly but only once on each late payment. (B) Default IfI do not pay the full amount ofeach monthly payment on the date it 1's due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal wh1ch has not been paid and all the interest that] owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder. Even if, at a time whenI am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so ifI am in default at a later time. (E) Payment of Note Holder's Costs and Expenses. Ifthe Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right [o be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attomeys‘ fees. 7. Giving of Notices. Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the PropeIty Address above or at a different address if I give the Note Holder a notice ofmy diflerent address. Any notice that must be given to the Note Holderunder this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section S(A) above or at a different address ifI am given a notice 0f that different address. 8. Obligations of Persons Under This Note. Ifmore than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obiigated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one ofus may be required to pay all of the amounts owed under this Note. 9. Waivers. I and any other person who has obligations under this Note waive the rights of Ptesentment and Notice of Dishonor. "Presemmem" means the right to require the Note Holder to demand payment of amounts due. "Notice of " Dishonor means the right to require the Note Holder to give notice to other persons that amounts due have not been paid 1 0. Uniform Secured Note. This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the ”Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses that might result ifI do not keep the promises which I make in this Note. That Security Instmmcnt describes how and under what conditions I may be required to make immediate payment in fiill of all amountsl owe under this Note. Some of those conditions are described as follows: Ifall or any part ofthe Property or any Interestin the Property is sold or transferred (orifBorrowcr is not a natural person and a beneficial interest in Borrower is sold or transfened) without Lender‘s prior wn‘tten consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender ifsuch exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give BOIIOWer notice ofacoeleration. The notice shall provide a period of not less than 30 days from the date the nofice is given in accordance with Secu'on 15 within which Bonower must pay all sums seemed by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period. Lender may invoke any remedies pennitted by this Security Instrument without further notice or demand on Borrower. 1463131910 Mumsrxre Frxso RATE Moments Famiiy Fannie Mea/Fleme Mac Uwosw lusmumahrr Form 3200 (1/01) VMPE {M 04/13 2016072014.2 0.294+J20140828Y ln'llels. z Page 2 oft! llllllllllllllllllllll llllllllllllHi lllfllllIll lllllllllllHlllllllll llllllllllllll SL000091 9/5/2018 9:21 AM WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Borrower flW. flV/f VINCENT MAJEWSKI Date Seal Loan Origination Organization: JPMorgan Chase Bank, N.A. NMLS ID: 399798 Loan Originator: Trevor Tharp NMLS ID: 119552 1463331910 Mumsms FIXED Ram Nort—smgle FamAy-Famb MaeIFmddia Mac UNIFORM Insmuuem Faun 3200 (1/01) VMm 04/13 Waller: Kluwar Financial Scwice: 20150720!420.2544420140628Y lnEh‘a's: Pass 3 ol 3 ' . M HI fllllfl WI Fllllflfll lllllll”I"WWWmflflfllmfllmHill“"WWII lllllHll SL000092 9/5/2018 9:21 AM Uniform Residential Loan Application This upplicolion h dulgnod Io be comb!“ by "1a nppllcmlm wm- (ru Lvndw‘: uuzlslzm. Anpllcnflfl Should compkla "I'd hum as 'Banowm' oi ‘caBouowaI.’ n: nppunama. CoBormvminlmllen mus! aka bu pmviuad land mu appropriate box chnkodl whun lhu Inonmu u! usm nl a paum oxhor mun Iha Borrow" [including lbsBonowu's spaunh'vifl In and osobon'slnrlnnn qunliulcellun nr lhu hcuma m assnl: o! me Bummra spawn vr olha: poison who has :urnnwnny pmpany :19th puuumt xu slam law vn’! no! bu used n: a bash (nrlnan quanliuxlon. bu! Nu ur hat finbfltlus must bo tamldomi bonus tho upww or oxhar yusun nu: communuy p(oparlv Ilnhlu punuanl Io uppflubl: hw and 80mm, yon’dux in n community plopnrly unto. the security progeny |s lomed In t community yvayeny Help. or lho Bunowu l: Ictylng on olhea pvwmy lacalnd ln a cnmmunily pmpmy ulalu u n bail: lav Iapayrnenx u! lho lam. H Ihls Ix on :ppllculan Io! join :mlil. Bnunwn: and Cwaonmvm «uh cam flux wn Inland w awry lotjulnl credit Man balnw): nmmu Coeuwrm Agoncy Can Mamba Lends: cu. Humbu- worked? D VA Convvnxlonll D O(hsl lupinh)’ Pp ' °" [:IFHA -_ USDAmuval Houxln 5mm 1463131510 Amuunl Imam“ Rm Mn. o1 qulh: Amomgnuqn m Fwd Rm 0mg, mpmnk "9°: 9 425 l 00 . J .375 9s Ixypux: I DO 1w D 0PM E MM Sumac! Plopnnv Audra" hum. cky. um 5. ZIPI Na. cl Unils 526 mgvm Rn, mam. xx 0287a X Laval Descrlpllon v! 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(5W) 641-1009 16 Mum, Unmmihdundml a‘ndI. wwanxlnni‘nfv Inna wmamn'm) mum IIMmi-l IWo nwn. 'Déydndm‘x’lgmnm b/ Eumwu) D Mud Mama D D dvurrudmidmra D Slo-rurd 0 s-gumd Han” Adam” ""m‘d'V' “ml,” ““5” Addn” "V0“ d‘Y-"m- u” m Own U Rent IX )lo. Yla. D Own DMD! Nu. Yrs. 1150 31h” RD APT IN, HKBTPORT. NA 02790 Malina Adams}. l1 15mm“ 1mm Pusan! Addru: Mafing Addmu. i! dillolnnl 1mm Plannl Adams: 1130 STATE RD, HBBTPOXT, 3Q 02790 N voalding pl proxonl addmu lo! lee: Ihun lwa yuan, camplow lhe follow-ng: 70'1"" Mam“ "1"". flinmrnzm Format Addruu lsumuhy. mu. DP! D own D mm No. Y" D Ow" D Ram H, Y” Nam: SvAddmu ul Employn: Yrs. nn this bob Name b Adducu n] Employer Yls. nu ml: job 5.”: l SHIEWW“ D "d Pm SPRAY PRODUCTS 5Yx'l. . V . I fl 3 "aflmgvo pmrsslshllo‘num 1355 nmmaroux ml mxru' a5 Yuulemglok ymts‘g'o’nlm - 30055 5.00 Pasnmfil lallype n! Him”: Bmmnhm-Munwa Poulloflln oIIypv o! Mamas: Buunusnnm (Aim. coda! 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VINch WW la nfislld UM H" d IN ”‘5" Cash dwoxlr xowovd pwchaae how by: wmad o: own "Murcia n1 1h. xnbzu Elmm. s llABleEB rMonthl Pu monl & Unpaid Balance Inlthl annuit par Balsa Monm’yu m Puw contact Nam: and undmxx o) Company a PaymomlMuIIIh: 9 Uu! :hocklng an? waving: aunoumx holow DIBOOVKR 1m SVCB DEC 15.00 588.00 Name and nddvau o! Bank. S&L. w Ctudil Un‘on 39 m u: mum s mar 57TH 61‘ m. 00x m YORK. W 10019 I I l 9°01 ‘ Nam: and nddran o! Ecmpany O FaymcmManm: O o MASK CARD 50-00 5,050.00 Hams und Pddlon o! Bunk. S&L o: Cwfil Union 101 3m c? m (1n: km: bu) 9 HIST 57TH ST K1 m. m max, NY 10019 n a o n c 904 1 Nam :nd address n! Company OPeymenuMcnIhv 5 195.527.00 mflx CARD 25.00 1,302.00 Name c! Bank. S&L. or ' Md waves: Cyndi! Unhn 72 ‘ m. n. n . on; Name and addms 9' Company t Paymenllenlhs 5 Am. m. I I m! BLDG 2,337.00 Nnmn odflran‘n! Bunk. or and sol. Clad" Union 33 M. - n n n .3 021 Nam and address ol Cumynny 9 Paymenlanmha 3 Mam. l, CAPITAL ONT Em USA H 15.00 36.00 nm&89d Omann p v numalumben gxdomlpuwfiu’u n, Z m no. 1 ' H B792 Mama and addlnn of Company D P-ymnnIIMamhs $ ulo lruurmce nol cash van: ‘ mm,“ 25 . W 35mm Focn omwnl: t 14 Subtum uuld n 2 q Mm: . I Em! name nwmd lamb: maria: vnm ' ”5' Don ' W ham :chadula aI real um: awmd) .m -:.an:ooog Vouau moron In mlmmm vund 3 mm- ma adww o! Comm"? 9 anmunIIMvr-m 0 Hal u! ownud worth buninanlu) . l’us'oo 49'947'00 lemm financial nulnmnnll Bu Continuation nae: Avlomufin owned (mekv and van!) ‘ Am n5. Almunflafim r rem A Pnymvnu Owed ln: , DIM! Axum mnmlza) ‘ lchlld union dual, chubifiolmd Emmi cm. g D v Tom Monthly Payments s 1. 645 . oo // Total Asuu a. ; 605.307.00 p 552.514 .na Tale! 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Vu 2m man IVIIIIIIIMIII IIIwIdusamm zolsunu 14.2.0.25aw zouoazs y ImmgL 7,9. ' LD1 45 HHJIMUHIHHUIHHJJIHIHIH IIIIJII‘IIII IIIIIIIIIIIIIIIIIIII SL000095 9/5/201 8 9:21W' Mlaflmflbntln shee Boerrowr. gcenyase Nuber: il' need more space tn you VINCENT MAJEWSKI complete the Resldenflut Loan Applmatmn. Mark b CmBormwm Lender Case Number: for Borrower or C for Co-Bnnowcr. 14631319] D Liabilities Company 0n l/wc Fully understand that 31 isn chcml crime punishable by fin: ’or imprisonment. or both. to knowingly make nny false stale nls concerning any of lhe above facts as applicable under the provisions ofTille 18, United States Code, Section I 1001, tseq. Bo Date: Co-Borrowcr's Siymlure: Date: I SW V/Bl/If x Initials: M; Initials: _____ Il63l1191fl WWIPWWWEM FMW-efmn 1m] 7N6lRam6K£l Fmfiumfilm lib: FrnddvllncfwmosIMS(Rm.ml vwo Wmmmwnol WM deFn-rn'd Sum ulwnfllllmsfiblflm P595 d ul d ill! l Hi! Hm lllllH }I‘lfilflm"llIUWWIIWWIWUHIIIIIMWIIWH ; SL000096 9/5/201 8 gzzmm— LENDER: JPMotgan Chase Bank. NA. LOAN#: [463131910 PROPERTY ADDRESS: 528 NANAQUAKET RD, TIVERTON, RI 02873 SIGNATURE CERTIFICATION/AFFIDAVIT SIGN NAME AS FOLLOWS. THIS IS MY TRUE AND I HEREBY CERTIFY THAT], VINCENT MAJEWSK), DO MY ACCU TE SIGNATURE: ‘W;_¥>¢MA.PV n 1 WILLIAM E. PAPLAUSKAS JR. ‘ a ‘ Notary Public V/é st ale o! Rhoda Island ‘ v'v'r. BORRO R fl Nolary ID # 520a5 '— My Commission SW of Expires Sap a 2015 fix”? j WFLWA County of NW Swom and Subscrib thisMay o u. '>¢/ r ' (Seal) h} ' ' yf‘n- m Expire : ‘ I CAPTIONED BORROWER THIS IS TO CERTIFY THATI HAVE REVIEWED THE SIGNATURE ON THE ABOVE OUR FILE AS AND HE/SHE HAS CONSISTENTLY SIGNED HIS/HER NAME ON ALL DOCUMENTS WITHIN HE/SHE DID ON THE NOTE. Lender Reprcscnlativc Title ...... NAME AFFIDAVIT Complete if AKA (also known as) is required. THISISTOCERTIFYTHAT: MflMmL ml‘b‘CwSM ‘ \ . k THIS W5 ‘ ARE 0N1: AND THE SAME PERSON. & f) (160% E Ma 4/ I )6 OBTAIN A FIRST MORTGAGE N, AFFIDAVIT Is COMPLE N CONNECTION wm: DOCUMENTS To LOAN 0N THE SUBJECT PROPERTY. Pleasfl“si cuchIL.—way name appears. fiwm glacml— MIC) ew 6 k} Bomowm M4004}. E. ”7580/515 l BORROWE'R; Stale of ka County of ‘Wgay \r- Sworn and Subscri of: ‘7 9m F (Seal) 1‘ “M\M/\-r\_/\_A a WILLIAM E. PAPLAUSKAS JR. 1 y Notary Public ‘ * Slate of Rhoda Island ‘ ’ Notary m # 52055 vmt—LKVJVMy Commission Expires“aSep 8. 2015v V * 1433131910 S IGNATLREIIWJENFIOAVIT cl mo (mu. cams Im Acme mas) (mm ~ anisolmuzozwwmu P02“ an H Ill Hlilflfllllilflll|leWWIUWHHUWDIIWHlHIlllllt1MHIIHWIHIW fl SL000097 9/5/201 8 9:21 LENDER: JPMorgan Chase Bank, NA. LOAN”: 146313910 PROPERTY ADDRESS: 528 NANAQUA KET RD, TJVERTON, RI 02878 SIGNATURE CERTIFICATION/AFFI DAVIT AS FOLLOWS. THIS Is MY TRUE IHEREBY CERTIFY THAT I, REBECCA MAJEWSK] , Do SIGN MY NAME AND ACCURATE SIGNATURE: r MMMAJWA WILLIAM E. PAPLAUSKAS JR. Notary Public Slate ol v Rhoda Island vavva Noialy BORN!) ID # 52085 My Commission Expires Sep 8. 2015 ~ State 0f k =erW7—‘7W County of N ' Sworn and Subsc (Seal) CAPTIONED BORROWBR THIS IS TO CERTIFY THAT l HAVE REVIEWED THE SIGNATURE 0N THE ABOVE AND HE/SHB HAS CONSISTENTLY SIGNED HlS/HBR NAME ON ALL DOCUMENTS WITHIN OUR FILE AS HEJSH'E DID ON THE NOTE. Lender Represenmfive Title ...... NAME AFFIDAVIT Complete if AKA (also known as) is required. THISISTO CERTIFYTHAT: Rebeca Naféwflg‘ L. Rebeca KYQSQVIU , & Rebeca L. M&fiv’ N33 AREONEANDTHE SAME PERSONTHIS NAME AFFIDAVlT IS COMPLETED IN CONNECTION WITH DOCUMENTS TO OBTAIN A FIRST MORTGAGE LOAN ON THE SUBJECT PROPERTY. PWWW name appears. B0 YER: Rebecca MUEWJ‘KF BodRoTvER: Rebeca 74mm m ‘ (77M L‘ BQfiRéfizskzfibbcc WW (Writ IS...—)lfily of Um}; ?¢l r maéllxzission Expim: VM M¢E~Nflw —" ‘ WILLIAM E. PAPLAUSKAS Jn. Notary ‘ Public Slale o! Rhoda ‘ Island Notalry ID # 52085 -w-vvfi My Commifflgnrsxp’tres 2015 1 Sega; H&JHIBW SIWN’TEINN‘EAFFIMWT D7039 (12/37) (Inpbahs O7W51f97 &C~7fl}§ 12196) 1°‘Wml-(Jfimfll‘waY PM: I oh H Hlfillllllmlllfll lll“!IIHWWWHIWHEHWIllllllllfllllllilfllilmmllmll NW SL000098 _ 9/5/2’W 9:21 m- Form W-Q Request for Tax er . 201a) pay the Trqasury lee Form 1o tho requeaier. afinflggflt Identification lmama! Revenue Samoa ”umber and cerfificafion Do not 88nd 1o the IRS. Ens {as ahown on your income tax rmurn) oi VINCENT MAJBWSKI g Business nama/disregardad enmy name. if different from abova Ql3 g Check appropriate box (or iedaral tax classlficalion: Exemptiuns [sea Instructions): a E E'ndmdual’mo PmP’iflOI DC Corpmalion D5 Colporallon EPartneIshlp DTtusllesme E ‘ d n ) 3% DLimlted liabnity company. Enter 1hr: lax classification E‘::Prpayzaoc° m F245;? B 3 (C=C corporation. S=S corporation, P=pannsrshlp] } apom‘no c2“ 23:5“Y :5 E Dome: (see instructions) y 'ddrgss £3 (number, street, and Dm- DI 51MB “0-) Requestar'a name and address (optional) '- 3 lie o STATE RD 3' ity, state, and ZIP code giggrganlChiae Bag, ILAél Po ar a Par aY' oor $3 wzsrpom', MA 02790 List accoum number(s) here Ioptional) 4U, Columbus, 0H 43240 146 3 13 19 10 Taxpayer Identification Number (TIN) _ Enter your TIN ln the appropriate box. The TIN provided must match the name given on 1he "Name" line to socnamcum namlm avoid backup withholding. For individuals, this is your social security number (SSN). However. for a resideni alien. sole proprietor, or disregarded entity, see the Pan linstrucfions un page 4. Fot other entities, it Is your employer identification number (EIN). If you do not have a number, see Haw to get a TIN on pago 4. Bunny“ mmmmbn numb" Note. lf \ha account is in more than one name, Sea the chart on page 4 for guidelines on whose number to entef. mCertiflcation ‘ Under penalties of perjury. l certify than 1. The number shown on this form is my correct kaxpayer identification number (0H am waiting for a number to be Issued to me). and 2. l am not subjact to backup withholding because: (a) l am exempt irom backup withholding, or (b) lhava not been notified by the lntemal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends. or (c) the IRS has notlfied ma that l am no longer subject to backup withholding, and 3. l am a U.S. citizen or other U.S. person (defined below), and 4. The FATCA code(5) entered on this form [if any] indicating that l am exempt from FATCA reporting is correct. Certification instructions. You must cross out item 2 above'if you have baan notified by the IRS that you are currentty subject to backup withholding because you have failed to report all Interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of Secured property, cancellation of debt, contributions to an individuai retirement arlangemont llHA). and generally, payments other than inteiast and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions on page 4. Sign Signature of Here v.8. person r 't Data y Z/D/[Lf y General Instructions U.S. person, your allocabie share of any partnership income from a . _ ~ U'S' trade bUS’mss "0‘ Suction references are to the Internal Revenue Coda unless otherwise m ’s_ sums” m ‘F‘B w”hh°]d'”9 ‘ax °n ”’5'9" noted. partners‘ share of effecnvely connected Income. and Future developments. The IRS has created a page on lRS.gov tor .4- Ferlifv that FATCA codelS) entered on this fern} (if any) I information about Form W-9, at www.irs.gov/w9. Information about '"d‘ca‘mg ‘ha‘ Y°“ are examp‘ "0"" ”15 FATCA ‘er'nG: ’5 any future developments affecting Form W-9 (such as legislation 00W“- enacted after we release it) will be posted on that page. Note. l! you are a U.S. person and a requester gives you a form other than Form W-9 to request your TIN, you must use the requester's form Purpose 0f Form ii rt ls substantially slmilar m this Form w-s. A person who is reguired to filo an information return with the lBS tax purposes’ y°u 3m must ubtaln your correct taxpayer identification number (TIN) to report, Egggggdogzus'sbggsgri‘f' 28$”. :3; for example, income paid to you, payments made to you m settlement An individual who is a U.S. cmzen o! U.S_ resident alien. of payment card and third party network transactions, real astate O transactions, mortgage Interest you paid, acquisition or abandonment O A Parmersmp: COWWEUO‘L companY: 0' 553°°i5fi°" C‘eatEd 0’ of secured property, cancellation of debt, or contributions you made to OfafinhEd in the United States or under the laws of the United States, an lfiA. g An estate (other than a foreign estate). or Use Form W-9 only if you are a U.S. person (including a resident . A domestic trust [as defined in Regulations section 301.7701-7]. Ellen). to provrda You' cm?“ “N the 99'5” mquesung n “h" t? Special rules for partnerships. Pannurships that conduct a trade or 'equeswn and' When appl'cablo' m“, . , , . business in the United States am generally required to pay a 1' canny that TIN yo" are 9“""9 '5 com“ (or Yo" am wa't'w the withholding tax under saction i446 on any lorelgn partners' share of {0’ '3 to b" ”un'b?’ $5er r‘n . . . effectively connocted taxable income from such business. Further, 2. Certify that you are not subject backup lNltthld’HD- 0' to certain cases where a Form W-9 has not been received, the rules 3' Claim exemp‘im fmm mam" W‘mhmding '7 V0” am a under section 1446 roquiru a partnership to presume that a partner ls a U-S- exempt payeO- If applicable, are also certifying that you as a foreign person, and pay the section 1446 withholding tax. 14631 3 I 910 Requost lot Tnxpayorldanllllcallon Number and Carfiflcatlon Fnlm \V-B (Rov. 03.2013) Bantam Systamnu VMP 0 VMPBgSO ”3395) Welter: Kluwur Finmzlal Services nun ‘l o l, m illlllililliillillillllllillillillilliiiiliilliiliiiiiliiiiilililliiilli iiiiiiliilllliifli IJ" SL000099 9/5/201 8 9:21 AM- Form w-9 mev. 8-201 3) Therefore, if you are a U.S. person that is a partner ln a pannsrship certain payments from fishing boat operators. Real estate transactions conducting a trade or business [n the United States. provide Form W-S ere not subject to backup withhotding. to the partnership to establish your U.S. status and avoid section 1446 .You will not be subject to backup withholding on payments you withholding on your share of partnership income. receive if you give the requester your correct TIN, make the proper In the cases below, the following person must give Form W—B to certifications, end report alt your taxable interest and dividends on your the partnership for purposes of establishing its U.S. status and tax return. avoiding withholding on its allocable share of net income from the Payments you receive will be subject to backup withholding if: pannerahip conducting a trade or business in the United States: 1. You do not furnish your TIN to the requester, In w‘rth . the case of a distegarded entity a U.S. owner, tho U.S. 2. You do not certify your TiN when required (see tho Part ll owner of the disregarded entlw and not the antity. instructions on page 4 for details), O In the case ol a grantor trust whh a U.S. grantor or other U.S. 3. The IRS tells the requester that you furnished an incorrect TIN, owner, generally, the U.S. grantor or other U.S. owner of the grantor 4. The 1R5 tells you that you are subject to backup withholding trust and not the trust. and because you did not report ail your interest and dividends on your tax o In the case o! a U.S. trust (other than a grantor trust), the U.S. return (for reportable interest and dividends oniy), or trust (other then a grahtor trust) and not the heneficiulies of the 5. You do not certify to the requester that you are not subject to trust. . backup withholding under 4 above tfor reportable interest end dividend Forolgn person. h‘ you are a foreign person or the U.S. branch of a accounts opened after 1983 oniy). foreign bank that has elected to be treated as a U.S. person, do not Certain payees and payments aro exempt from backup withholding. use Form W-9. Instead. use the appropriate Form W—8 or. Form 8233 (see Publication 515, Withholding of Tax on Nonresident Aliens and See Exempt payee code on page 3 and the separate instructions for Foreign Entities). the Requester of Form W—9 for more information. Nonresident alien who becomes a resident allen. Generauy, only a Also see Special rules far partnerships on page 1. nonresident alien individual may use the terms of a tax treaty to reduce What is FATGA reporting? The Foreign Account Tax Compliance Act U.S. tax or eliminate on certain types of income. However, most tax (FATCA) requires a participating foreign financial institution to report all treaties contain a provision known as a "saving clause." Exceptions United States account holders that are specified United States specified in the saving clause mny permit an exemption from tax to persons. Certain payeos are exempt from FATCA reporting. Soo continue for certain types of income even after the payee has Exemption from FATCA Ieporiing code on page 3 and the Instructions otherwise became a U.S. resident alien for tax purposes. for the Requester of Form W-S lor more Information. lf you are a U.S. resident alien who ls retying on an exception Updating Your Information contained in the saying clause of a tax weary to claim an exemption You must provide updated information to any person to whom you from U.S. tax on certaln types of income, you must attach a statement claimed to be an exempt payee if you ere no longer an exempt payee to Form w-9 that specifies the following five items: and anticipate receiving reportable payments in the future from this 1. The treaty country. Generally, this must be tho same treaty person. For example, you need to provide updated Information il under whinh you claimed exemption from tax as a nonresident alien. may you ere a C corporation that elects to be an S corporation. or ll no 2. The treaty article addressing the Income. you longer are tax exempt. ln addition, furnish a 3. The article number (or location) in the tax treaty that contains you must new Form W-9 if the saving clause and its exceptions. the name or TIN changes for the account, for example. if the grantor of a grentor trust dies. 4. The type and amount ot income that qualities for the exemption from tax. Penalties 5. Sufficient facts to justify the exemption from tax under the Failure to furnish TlN. If you tail to furnish your correct TIN to a terms of the treaty article. requester, you are subject to a penalty of $60 for each such failure Exampte. Article 20 of the U.S.-China income tax treaty allows an unless your failure is due to reasonable cause end not to willful tax for received a exemption from scholarship income by Chinese neglect. student temporamy present in the United States. Under U.S. law, this Civil penalty tor false information respect to withholding. if student will become a resident alien for tax purposes it his or her stay yvith you in the United States exceeds 6 calendar years. However, paragraph 2 make a false statement with no reasonable basis that results In no of the first Protoeo) to the U.S.-China treaty [dated April 30, 1984) backup withholding, you are subject to a $500 penalty. allows the provisions of Article 20 to continue to apply even after the Criminal penalty toy falsifying Information. WIIIluIIy falsifying Chinese student becomes a resident alien of the United States. A certifications or affirmations may subject you to criminal penalties ChinBSe student who qualifies for this exception {under paragraph 2 of incIuding fines endlor imprisonment. the first ls to protocol) and retying on this exception claim an Misuse of TINa. ll the requester discloses or uses Tle in violation oi exemption from tax his or her scholarship or fellowship on income federal law, the requester may be subject to civil and criminal would attach to Form W—9 e statement that includes tha Information penalties. described above to support that exemption. Specific Instructions If you are a nonresident alien or a foreign entity, give the requester Nome the appropriate comp)eted Form W-B or Form 8283. ll you are an individual, you must generally enter tho name shown on What ls backup withholdlng? Persons making certain payments ta you income tax return. il must under certain conditions withhold and pay to the IRS a your However, you have changed your last name. percentage of such payments. This is called “backup withholding.“ lor instance, due to marriage without informing the Social Security Payments that may be subject to backup withholding include interest, Administration of the name change, enter your first name, the last tax-exempt interest, dividends, broker 8nd barter exchange name shown on your social security card, and your new lest name. transactions, rents. royalties, nonampioyee payments made in pay, If the account is in joint names, llst first, and then circle, the name settlement of payment card and third party network transactions, and of the person or entity whose number you entered in Part l oi the form. l4 53 l 3 l S l O Request loy Taxpayer tdentinnetinn Number and Certificetlon Form W-s (Rev. 08-2013l Benluua Syslemx‘ru P VMPSgaO (530,951 Welter: Kluwer Fineno'nl Szrvlczs am o Wt lIll"Ill!lllllllllllllllllfl“lllfllllllllllllllflllllllllllllllllllllllllllllllilllllllllllllm SLOOO'IOO 9/5/2018 9:21 AM Form W-9 (Rcv. 8-2013] proprietor. Sole Enter your individual name as shown on your Income 2-The United States or any oi its agencies or instrumentalitias tax teturn on tha Warns" line. You may entar your business, trade, or a—A state, tho Dlstrict of Columbia. a possession of the United “doing business as IDBA)” name on ‘he "Business nameldisregarded States, or any of their political subdivisions or instrumentalities entity name” line. 4-A foreign government or any of its politlcat subdivisions, Partnership, C Corporation, or S Corporation. Enter the entity‘s name agencies, at Instrumentalities on the "Name" line and business, trade. or "doing any business as 5-A corporation IDEA) name' on the "Business nama/diszegarded name" emity lino. 6-A deater tn securities or commodities required to register in the Dlsregarded entfly. For U.S. federal tax purpOSes, an entity 1hat Is United States, tha District of Columbia, or a possessiOn of the United disregarded as an entity separate from Rs owner is treated as a States "disregarded entity.” See Regulation section 301 .7701-2(c)(2)(iii). 7-A futures commission merchant registered with the Commodity Enter the owner‘s name on ms "Namo" line. The nama of ‘ha emity Futures Trading Commission entered on the "Name" line should nevet b5 a disregarded entity. Tho B-A mal estate investment trust name on ma "Name“ line must be the name shown on the income tax 9-An entity registered at all times during the tax year under the return on which the income should be reported. Fur axample, if a Investment Company Act of 1940 foreign LLC that is treated as a disregarded for U.S. entity federal tax 10-A common trust fund operated by a bank under section 584(8) purposes has a single owner mat is a U.S. person, the U.S. owner's 1 t-A financial institution name ls required to be provided on the ”Nama' line. If the direct owner 12-A middleman known In the investment community as o of the entity is also a disregarded entixy, enter the first owner that is nominee or custodian not disregarded for fedaral tax purposes. Enter the disregarded entity's 13A trust exempt from tax under section 664 or described in name on the "Business name/disreganiad entity name" line. If the section 4947 owner of the disregarded entity is a foreign person, the owner must The following chart shows types o! payments that may ba exempt complete an appropriate W-8 instead a W- Thls' from backup withholding The chart applies to the exempt payees Form o! Form 9. Is 1he case even if the foreign person has a U.s. TIN. listed above, i through 13. Note. Check me appmpriate box for the U.S. federal tax classification of the parson whose name is entered on the "Name" line 1F the payment ls tor . . . THEN the payment ls exempt (lndividual/sole proprietor, Pannership, C Corporation, S Corporation, tor . . . Trustles‘ate) Interest and dividend payments Ail exempt payees except lelled Liability Company (LLC). If tha purson identified on the “Name" for 7 line Is an LLC, check the “Limited liability company" box only and enter the appropriate code for thn U.S. federal tax classification in the space Broker transactions Exempt payees 1 through 4 and provided. l! you are en LLC that is treated as a partnership for U.S. 6 through 11 and alt C "P‘ corporations. S corpotations federal tax purposes, enter for partnership. If you are an LLC that must not enter en exempt payee has filed a Form 8832 or a Fotm 2553 to be taxed as a corporation, "C“ "S" code because they are exempt enter la! C corporation or for S corporation. as appropriate. lf only for sales ot‘ noncovered you are an LLC that is disregarded as an entity separate from its owner securities acquired prior to 201 2. under Regulation section 301.7701-3 (except for employment and Barter exchange transactions Exempt payaas 1 through 4 excise tax), do not check the LLC box unless the owner of the LLC and patronage dividends (required tn be identified on the "Nama" llne) is another LLC that is not disregarded for U.S. federal tax purposes. If the LLC is disregarded as Payments over $600 tequiied Generally. exempt payoes an entity separate from its owner, enter the appropriate tax 2 to be reported and direct 1 through 5 classificatlon of the owner identified on the ”Name" line. sates ovar 85,0001 - Other entities. Enter your business name as shown on required U.S. federa! tax documents on the "Name' line. This name should match Payments made in settlement of Exempt payeas 1 through 4 the name shown on the charter or other legal document creating tha payment card or third party entity. You may enter any business. trade, ur DBA name on the A network transactions "Business nameldisregardad entity name" line. 7 See Farm 1099-MISC, Miscellanems Income. and its instructions. z Exemptions However. the following payments made to a corporation and Ii fromtbackup you are exempt withholding endlor FATCA reporting, reportable on Form 1099-MISC are not exempt from backup enter in the Exemptions box. code(5) that to any may apply you. See withholding: medical and health care payments, attorneys' inos, Exempt code and Exemption from reporting payee FATCA coda on gross proceeds paid to an attorney. and payments tor services paid page 3. by a federal executive agency. Exempt payee code. Generally. individuals (Including sale proprietors) Exemption from are not exempt from backup withholding. Corporations are exempt FATCA reporting code. The following codes identify that are exempt from rapoIting from backup withholding for certain payments, such as interest and puyees under FATCA. These codes apply to persons submitting this form for dividends. Corporations are not exempt from backup withholding for accounts maintained outside of the United States certain foreign institutions. payments made in settlement of payment card or third party notwark by financial Therefore, transactions. if you are only submitting this form for an account you hold in the United States, you may leave this field blank. Consult with the person Note. If are exempt from backup withholding. you should still you requesting this form if you eIe uncertain if tho financial institution is complete this farm to avoid possible erroneous backup withholding. subject to these requirements. The following peyees are exempt from backup withholding: A-An organization exempt from tax under section 501 (a) or any individual mtirernent plan as defined In section 7701 (aH37) 1-An organization exempt from tax under section 501(8). any IRA, or a custodial account under section 403(b)(7) if the account satisfies B-Tha United States or any oi its agencies or instrumentalitles the requirements of section 401M142) 1463 131 91 D Bequest tot Toxpayol ldontlficatien Number and Centricatian Folm W-9 (Bay 08 1013 Bank": System37“ VMP 030 P9P (11332961 Welter: XIuwnI Financial Services new ym- lllililllmllillllmliilllllillflllilllllilllla WWlililoflfilflllliiIll]Ill“!IIIHIIMWHIUW SLOOO'iO’i '— I 9/5/2018 9:21 KM Form W-S IHW. 8-2013) C-A state, the District of Columbia. a possession of the United Caution: A disregarded U.5. entity the! has a foreign owner mus! use States. or any of their political subdivisions or instrumomalities {ha appropriare Farm W-B. D-A cor?oration the stock of which xa rogularlx traded on ona or mote establ shad securities markets. as described In Reg. section Part ll. Certification 1. 1472- Hc)(1Hi) To establish to the wlthholding agent that you are a U.S. person. E-A corporation mat Is a membet of the same expanded Bff'llated or resident alien, sign Form W-S. You may be requested to sign by group as a corporation describad 1n Reg. section 1. 14-72-11c)(1 1)!) the withholding agent even it Items 1, 4. or 6 below indicate F A dealer in securities, commodities. or derivative financial otherwise. instruments (including notional principal contracts, futures, forwards, For a Joint account. only the person whose TIN is shown in Part l ls ragistsred and options) that as such under the laws of the United should sign (when required). In the case of a disregarded entity, the States state or any person identified on the "Name" line must sign. Exempt payees. see G-A ma! estate investment trust Exempt payee code earlier. H-A regulated investment company as definad in section 851 or an Signature requirements. Complete the certification as indicated in items entity registered at all firnes during the tax year under the Investment 1 through 5 below. Company Act of 1540 1. Interest, dividend, and barter exchange accounts opened before I-A common trust fund as defined ln section 5481a) 1984 and broker accounts considered active during 1983. You must give your correct TIN, but you do not have to sign the certification. J-A bank us defined in section 581 2. Interest, dlvldend. broker, and barter exchange accounts opened K-A broker after 1883 and broker accounts considered inactive during 1983. You L-A trust exempt from tax under section 664 or described 1n must sign the cerfification or backup wlthholding wlll apply. It you are section 4947(3)”) subject to backup withholding and you are merely providing your M-A tax exempt under a section 403(b) plan or twst suction correct TlN to tho requester. you must croes out item 2 in the 45719) Plan certification before signing the form. 3. Real estate transactions. You must sign the certification. You Part l. Taxpayer Identification Number (TIN) may cross out item 2 of the codification. Enter your TIN ln the appropriate box. If you are e resident alien and 4. Other payments. You must give yeur correct TIN. but you do you do not have and are not eligible 1o get an SSN, your TIN )s your not have to sign the certification unless you have been notified that IRS individual taxpayer identification number (ITIN). Enter it in the you have previously given en incorrect TlN. “Other payments" include social )1 see security number box. you do not have an ITIN, How ro get payments made ln the course oi the requester's trade or business for a 77N below. rents. royalties, goods (othetthan bills for merchandise), medical and health care services (including payments to corporations), payments to lf you are a sole pwprietor and you have an EIN, you may enter either your SSN or EIN. However, the IRS prefers that you use your u nonemployee for services, payments made in settlement of payment SSN. card and third party network transactions, payments to certain fishing boat crew members and fisherman, end grass proceeds paid to aS'sn )1 you are a singIe-membor LLC that is disregarded entity attorneys (including payments to corporations). separate from Its owner (see Limited Liability Company {LLCI on page E. Mortgage interest paid by you, acquisition or abandonment of 3), enter tho owner's SSN (or EIN. if the owner has one). Do not enter secured property, canceuotlon oi debt, qualified tultlon program the disregarded entity's EIN. If the LLC is classified as a corporation or payments (under section 529), IRA, Coveldell ESA, Archer MSA or partnership, enter the entity's EIN. HSA contributlons or distributions, and pension distributions. You must Note. See the chart on page 4 for further clarification of name and TIN give your correct TIN, but you do not have to sign the certification. combinations. What Name and Number To Give the Requester How (a get a TIN. If you do not have a TIN, apply for one immediately. To apply for an SSN, get Form SS-5, Application for a Social Security For this type of account: Give name and SSN of: Card, lrom your local Social Security Administration oHice or get this form online at www.ssa.gav. You may also get this form by calling 1. individual The individual 1‘800-772-1213. Use Form W-7, Application for IRS Individual 2. Two or more individuals ljoint The actual owner oi the account Taxpayer Identification Number, to apply for an lTIN, or Form 85-4, account) or. if combined funds, the first Identification to for en EIN. Application for Employer Number, apply individual on the account‘ fur oniine website at You can apply an ElN by accessing the )RS 2 3. Custodian 01 The www.irs.gov/businesses and clicking on Employer Identification account a minor minor (Uniform Gift to Minors Act) Number (ElNl under Starting a Business. You can get Forms W-7 and 1 83-4 from the IRS by visiting lRS.gov or by calling 1-800-TAX-FORM 4. e. The usual revocable The grantor-trustee l1-800-829-3678). savings trust tgtantor is also trustee) I If you are asked to complete Form W-9 but do not have a TIN. b. So-oalled ttust account The actual owner for a TlN and write "Applied For" in the space for the TIN, sign apply thet is not a legal or valid and date the form. and give it to the requester. For interest and trust under state law dividend payments, and certain payments made with respect to readily 5. Sole proprietorship or The owner: tredable Instruments, generally you will have 60 days to get a TIN and disregarded entity owned by give it to the requester belore you are subiect to backup withholding en individual on payments. The sooay rule does not apply to o1her types of payments. You will be subject to backup withholding on all sueh 6. Grantor trust filing under The grantor' payments until you provide your TIN to the requester. Optional Form 1099 Filing Mothod 1 (see Regulation Note. Entering ”Applied For" that hevo already applied for e means you section 1.671-41b)12)1i)1A)) TIN or that you intend to apply for one soon. 1463 131 51 0 Request for Taxpayer ldantilicaIlon Number and Certification Folm W-s (Rev. DB 20‘)3) Banker: System57“ 8 MOPS P30 1:309] Welter: Kluwor Financial Servlces M Page e! W lllll11111|1|11111111111111111111w9 11111111)11111111111111111) SL000102 9/5/2018 ezzm' Form W-9 (Rev. 8-2013) An identily thief may use your SSN w gs: a job or may file a tax return For this type of account: Give name and EIN of: uslng your SSN to receive a refund. 7. Disregardad entity not owned Tha owner To reduce your risk: by an Individual Protect your SSN, . 4 8. valid trust, estate, or A Legal enmy Ensure your employer is protecfing your SSN, and pension (lust . Be careful when choosing a tax preparer. S. Corporate or LLC electing Th'e corporation corporate status on Form )r your tax records are affected by idemRy theft and you receive a 8832 or Form 2563 notice from the IRS, respond right away to the name and phone 10.Association. club. religious. Thu organization number printed on the IRS notice or letter. charitable, educational. or 1f your tax records are not currently affec‘ed by identity theft bur other :ax—exempt organizaflon you think you are at risk due to a lost or stolen purse or wallet, 1 1. Pannership or multhamber The partnership questionable credit card activity or credit report contact the IRS LLC Identity Theft Hotline at 1—800-908-4490 or submit Form 14039. 12. A broker or registered The broker or nominee For more information, see Publication 4535, Idemiw Theft nominee Prevention and Victim Assistance. 13. Account wlth the Department The public entity Victims of identity theft who are expériancing economic harm or a of Agriculture in 1he name of system problem, 0r are seeking help in resolving tax problems that a public entity (such as a have not haen resolved through normal channels, may be eligible for state or local government, Taxpayer Advocata Service [TASJ assistance. You can reach TAS by school district, or prison) that calling rhe TAS toll free case intake line st 1-877-777-4778 or receives agricultural program payments TTYITDD 1 800-829-4059 Protect yourself from auspicious emails or phishing schemes. Phlshing 14. Gramor trust filing under the Tbs mist is the creation and use of email and websites designed to mimic Form 1041 Filing Method or Iegitimata business emails and websites. Tha most common act is the Optional Farm 1099 Filing sending an email 10 u user raisely claiming to be an estabflshed Method 2 (saa Regulation legitimaie enterprise in an attempt to scam the user into surrendering section 1.67i-4th2HiKBH private informationthat will be used for identity theft. ’ Us! Ills: and c’rclu xhu nnma ul me person whwo number you lumioh. l! ourv ono person an a join nccoum has a 55M. Ihat pason'n number mus! be fumlshed. The IRS does n01 initiate comacts with taxpayers via emails. Also, 2 Cllcla tho minor'a name and furnish the mlnm's SSN. the IRS does not request personal detailed Information through email or 3 You must show ywr Ind’vmua! name and you may also ante: your huslnu: or 'DEA' name ask taxpayers for the PIN numbers, passwords, or similar secret on the 'Buslnoss neme/d'nslugarded enury‘ name lino. Yw may use a‘nhu yaw SSN or EIN Ii! you nave onol. but aha IRS encourages you to use you: SSN. access information for their credit card, bank, ur other financial 4 Lls1 hm md nlrcla Ihe name of tho trust, name. u pension nus: lDo nol hunish the TIN or accounts. the penunal leplescmaWo m uusxoe uric» ‘ha legal omily Else" Is not dnsmnatod ln mu If unsolicited accenm mlu Alsu m Spadehu/as Iarparznmhtos on pane ‘l. yOu receive an email claiming to be from the IRS, ' Iorward this phism‘ng@l'rs.gav. Nola. 6mm: also mun provldu a Form W-S Io mules o! mm. massage m You may also report misuse of the IRS name. 1090, or other 1R8 property to the Treasury Inspector Note. H no name 15 circled when more than one name is listed, the General for Tax Administration at 1'800-3664484. You can felward number will be considered to be that of the first name listed. suspicious emails to the Federal Trade Commission at: [email protected] Secure Your Tax Records from Identity Theft or contact them at www.nagovfldrheft or 1'877-IDTHEFI' (1-877-438-4338). Identity 1heft occurs when someone uses your personal information Visit [Rs.gov to learn more about identity theft and how to reduce such as your name, social security number (SSN), or other identifying your risk. information. without your permission, 10 commit fraud or othar crimes. Privacy Act Notice Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons (including federal agencies! who are required to file information returns with the 1R5 10 r5130“ interest. dividends, or certain other income paid to you; mortgago interest you paid; the acquisition or abandonment of secured property: tho cancellation of debt: ar contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file Information returns with the IRS. reporting the above information. Routine uses of this information include giving it to the Department of Justice for civil and orimr’nof litigation and to cities, states, the District of Columbia, and U.S. commonwealthe end possessions for use in administering their laws. The informetlon also may be disclosed to other countries under a treaty, to federal and state agencies to enforce civll and criminal iaws. or to federal law enforcement and Intelligence agencies to comhat terrorism. You must provide your TIN whether or not you are required to file a tax return. Under section 3406, payers must generally withhold a percontage of taxabte interest, dividend, and certain other payments to a payee who does not give o TIN to the payer. Certain penalties may also apply tor providing false or lraudulent information. 14831 31 910 Request lor Taxpayer ldentll‘eet‘non Number and Cuninuatlon Form WvS )Rav. 08-2013) Bankots Systems?“ VMP VMPSgGD (153395: Woltm Kiowa: Flnano'al Services ago o D10 W” H3 V. llllllllllllllllllll”IllllllllllfllllllllTill lllllllullIll!WI!lllllllllllflllll SL000103 9/5/2018 9:21 AM Fm 4503.'r Request for Transcript of Tax Return (Rev. September 201 3) . . . P Request may b9 relected 1f the farm is incomplete or magma. 0MB No. 1545,1872 Dopanmem or me Treasury Internal Hevonus Service 14 63131910 Tip: Use Form 4506-T to order a transcript or other mum information free of charge. See the product list below. You can quickly request transcripts by using our automated self-halp service tools. Please visit us at IR5.gov and click on “Ordet a Ratum or Account Transcript" or call 1-800-908-9946. M you need a copy oi your return, use Form 4506. Request for Copy of Tax Return. 1haro is a fee to get a copy of your return. . 1a Name shown on tax return. [f a joint return, enter the name shown fitst. 1b First social aacun'ty number on 1ax return. individual taxpayer idsntiflcaflon number, or tlon number (sue instructions) ‘ VINCENT MAJEWSKI 2a If a joint return, enter spouse's name shown on tax return b econ soc a sucurity numbor or Individual taxpayer Identification number if joint tax return 3 Current name, address (including apt, room, or suite no.), city, state, and ZIP code (sea instructions) VINCENT WJEH‘SKI 1180 STATE RD APT 2WLWESTPORT, m 02790 4 Previous address shown on the last return filed if different from line 3 [see Instructions) third party's address, 5 l! the \ranscripr or tax Information is to be mailed xo a 1hlrd party (such as a mortgage company). enter the name, and telephone number. JP Morgan Chase Bank, ILA 1111 Polaris Parkway, Columbus 0H 43240 (1-800—835-2436) before Si date the Caution: II (ha tax transcript is heir)? mailed 10 a third pany, ensura that you have filled in lines 6 rhrou h 9 signing. n and transclipr 70 form once you (rave filled In these mes. Complatln these slaps helps Io protect your privacy, Once r e IRS dlsclosesarqur ax the third the third party listed on line 5, the IRS has no con ol aver what the 1hlrd pan’y does w/rh the ln/a/mollon. If you wau/ like lo limit party's authority m disclose your t(anscn‘pf infarmaflon, you can specify this limitation in your written agreement with the third party. 6 Transcript requested. Enter me tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter oniy one tax form number per request. p 1040 ll Return Transcript. which includes most of the tine hams of a tax return as filed with the IRS. A tax Ietum transcript does not reflect changes made to the account after ms return Is ptocessed. Transcripts are only available forthe following returns: Form 1040 series. Foxm 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L. and Form 11208. Return transcripts are available for 1he current year and returns processed during the prior 3 processing years. Mos‘ :equests will be processed within 1O business days...... U Account Transcript, which contains Information on the financial status of the account, such as payments made on xha account, psnaIty assessmants, and adjustments made by you or the IRS after the return was filed. Return informatian is limited to items such as within tax )iabflity and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed 10 business days ...... O Record ol Account, which provides the most detailed information as it is a combination of the Return Ttanscrim and the Account Transcript. Avallable for curlent year end 3 prlor tax years. Most requests will be processed within 10 business days...... available 7 Verification of Nonflfing. which is proof from the IRS that you dld not file a return for the year. Current year requests are only will within 10 business days. after June lSth. There are no availability restrictions on prior year quuests. Most requests be processed 8 Form W—Z; Form 1099 series, Form 1098 series, or Form 5498 series transcript. The lRS can provide a transcript that includes W-2 information. IRS be able data rom these information Ietums. State or local information is not included with the Form The may until the Io ptovide this transcript information for up to 10 years. Information for the cunent year is generally not avaflable year will likely not available from the IRS until after it ls flied with the IRS. For example, W-2 infatmation for 201 1, filed in 2012, be Social Secutity Administration at 201 3. If you need W-Z information for retirement purposes, you should contact the 1-800-772-1 2l3. Most requests will be plocessed within 10 business days ...... of rhe Form W—2 or Form Caution: ll you need a copy of Form W-2 or Form 709.9, you should first contact (ha payer. To get a copy 70.9.9 filed with your return, you must use Form 4606 and request e copy of your return, which mc/udes oi! aflachmenzs. requesting than four 9 Year or period requested. Enter tho ending date oi the gear or period. usinq the mmldd/ format. li you em more returns. such es Form 941, must years or gonads, You must attach another Form 450 ~T. For requests r0 eung to quar erg/otix you enter oac quarter or tax period separately. 2014 2013 2 of the years for which are requesting a Check this box if you have notified tho IRS or the IRS hes notified you that one you transcript involved identity theft on your federal tex return ...... Caution. Do not sign this form unless all applicable lines have been completed. arson authorized ohtaln the l is shown on line 1a or 20, or a to Signature of taxpayarls). | declare that am either tho taxpayer whose name ii Signed corporate officer, partner. tax Information requested. lf the request eppjtes to a oint return. at least one spouse must sign. y e guardian, tax matters partner, executor. receiver. edm mstretor, trustee, or party other then the taxpayer. l comfy that | hays the authoritz be renewed within 12 to execute Form 4506-T on behalf oi the taxpayer. Note. For transcripts being sent (o a third party, this form must days of the slgnet e date. Phone number of taxpayer on line ta or 2a ; 107/21/2015 (soa) 641-1009 Signature (aeo instruction” Data Sign. above is a corporation. partnershlp. estate. or trust) Here inla lli lino 10 W I07/21/2o15 Spouse's sifitatute Date 4506-T For Ptlvaoy Act and Paperwoxk Reduction Act Notice, see page 2. Cat. No. 37667N Farm (Regegfig‘é? VMPBOdST (1405} Walters KluwerFinancmlSemces 20150720 14.2.0194“ 20140828 y D 463131 Mm. WWWW WW i MWWWWMM ”WW SL0001 04 9/5/201 8 9§21 AM Farm 4506-1' (Rev. 9-2013) P582 Section totemncss aye to Iho lnlomal Revanua Partnorahlps. Generally, Form 4503~T cnn be Coda unress othermsc noted. Chan for a" other transcripts signed by any person who was a member o! the partnership during any pan o! the tax period If you lived In or Mall or fax to Future Developments requested on line 9. Fur 1he latest intermallon about Form 4506-T and your buslnass All others. Sco section 8103(9) i! the its instructions, o to was In: is Insolvent. ls a dissolved www.Irs.gov/ orm4506t. Information abuuu taxpayer has diod. Alabama. Alaska. any racam developments aflamlnp Form 4606-T corporation. or H a trance. guardian, executor. Arizona. Axkansas. tacslvox, or administrator ls acting ior the lauch e: laglsmion enactad aher we relsased i1) Clalrfornla. CoLorado. will ba pasted on lhal page. ‘axpayur. SeNica General Instructions foggiakmggj'izfigouhm Intimsntlfiwenuo Documentation. For entities other than Minnesota, Mississippi. “m individuals. you must auach the authorizatlon this all P‘o' Box 95“ CA QTION. pa not sign form unless Missouri, Montana. documenl. For axamplu, this could be the letter lines have completed. M5" sm 6734 applicable been Nebmska, Nevada, from \he pdncipal ollicer aulhofizing an Oguan. T 84409 Purpose of form. Use Form 4506-T to teques‘ New Maxim th employee oi me corpomfion or tha lane’s tax mum intermmlon. Yov con also designate Dakota. Oklahoma. ‘aalumanlary authorizing an Individual tn act (or (on lina 5) a \hird puny 1o (acalva the inlormatlon. Oregon. Soulh Dakota. an astute. Taxpayexs using a lax year beginning In one Texas. Utah. calendar year and ending In the following year Washington. Wyoming. Signature by a represemative. A 801 ~620-G922 4606-1’ far a {fiscal tax year) must {fie Form 4605-T to request a foreign country, or replasentatlvo can sign Form address n Mum transcript. A.P.0. or F.P.0. taxpayer only If the taxpayer hes specifically J ' J this aulhovity 10 the represanmive on N016. fl you ars unsure n! which typn u! Cnnnacticul. Form 2848, lina 5. Tha representative mum transatipz you need. Inquest Ihe Record oi Delaware. Dlsln‘cl o! attach Form 2848 showing tho delegation to Accoum. ea 'n provides the most detailed Columbia. Gemain. Form 4506-1 informafion. Illinois. Indiana. Tip. Use Form 4506, Bequest for Copy or Tax Kentuuky, Maine, Privacy Act and Paparwatk Rodncllon Act Rulum. to request cupias of tax :etuma. Maryland. lmernal Revanue Sowico Massachusetts, RAlVS Team Nollca. We ask for tho inlatmmion un this form transcript request. You can gain lo Automated Mlchlgar}. New P.0. Box 145500 Io establish yuur right lo access tho Irenscvipls using Our quickly request by Hampsh-re, Naw Jersey, Sxop 1800 F requested lax lnlorrnntlon undav the lnlemul snlf-halp service tools. Please visil us automated New York. Nonh Clncinnnti. 0H 46250 Hovanuo Coda. We need lhls Information lo on "Order a Return or a! lRS.guv and click Carolina. Ohio. pvopedy Identify Iha lax anormatlon and respond Tmnscript' call 1-800-908-9946. Account or Pennsylvania, Rhoda m your request. You ma nm required lo tequast {?land, Soth/Curollna, any ttanscrlm; if you do raquesx a uanscdpl, , Where to file. Mail ur fax Form 4506~T 1o xho ennessea, ermont, sections 8103 and 8109 and lhelr muulalions adfiress below for lha 513m you lived In, onha 859‘555'3592 Virginia, West Vimlnla, require yuu lo provldo this Information. Including stale your buslnass was in. when that return was Wisconsin ll do no: pmvido lhls med. Than: ma two address charts: om: lo! yo'ur SSN or EIN. you be able to process your lndXvidual transctipls (Form 1040 series end Farm we may not false or fraudulent inlormafion W-2) and one fol all other "unscripls. Llne 1b. Entar your employer Identlllonlidn request. Providing lo panaltlee. number (EINI lf your vequasl relmea 1a a business mey subject yOu lf you are luquestlng mum than one transcript Otherwlsa, enter the first social securiry or other product and lhe chart below shows two return. fioutino uses o! thls lnformation include glying or individual Iaxpayar diffclenl addlesses, sand your request to ma number (SSN) your it to lho Department o! Justice lor civil and address based on the address oi your most Identification numbnr (lTIN) shown on 1h» return. crlmlnal litigation. and cltlae. states, the Dlslvlot (ecent (alum. Fov example. i1 you ura requesting Form 1040 that ol Columbia. and U.S. communweolthe and Includes Schedule C (Farm 104D). emer your SSN. possessions lar use in administetlng their lax laws. may also disclose this information to Char! for individual transcripts Lina 3. Enter your current addrass. ll you use a We other countries undor a tax treaty, to federal and series W-2 P.O. box. include it on lhls fins. (Form 1040 and Form state egonclos to enforce federal nanlax criminal and Form 1099) Llna 4. Entar 1ha address shown on the lost lows, or to lederal low onlorcument and mum lilad il dilierem. lrom the address entered intolllganco agencies to combat terrorism. H gpu filed an Mail or fax to on line 3. In Mdual mum You are not required to provide the and liv In: Note. ll the address on lines 3 and 4 ma lnfonnetlon tenuosted on a fnn'n that ls subject Alabama. Kentucky, Internal fiavonue different And you hnve not changad your address to the Paperwork Reduction Act unless tho lorm Louisiana, Service with tho IRS, lilo Form 8822. Change ol Address. displays a valid 0MB control number. Books or Mississippi, HANS Tuam For a business address. filo Form 8822-8. Change records roletlng to a lorm or its instructions Tennessee. Texas. a Stop 6716 AUSC of Addrsss or Responsibla Party o Buslness. must bo relalned as long as their contents may Amaricnn Auafln. TX 73301 foreign country. Line 6. Enter unly one lax lorm numbat par become materlel in the adminisuutlon cl nny Samoa, Rico. Puano quuesl. internal Revenoo law. Ganerally, tax tetulns end Guam, the return inlovmatlon ere confidential, as requlted Communwoallh of tho end date. Farm 4506-T must ba Slgnature by section 6103. Nonham Mariana Islands. signed and dated by the taxpayar listed on lino la the U.S. Virgin Islands, or or 2a. l! you completed fine 6 requesting tho The time needed to camplete and lilo Form 512-460-2271 A.P.0. OI F.?.O. lnlormatiun be sent to a third party. the IRS must 4506-1‘ will vary dopanding on individual addmss receive Form 4506-7 within 120 days ol tho data circumstances. The estimated average limo ls: slgned the taxpayer or it will bo rejocted. Leamlng about the law or the form. to AIaska,~Arizonn, interns! Hevanua by ull applicable llnea are completed the form, 12 min.: and Arkanaas, Cufifomla, Survice Ensure that min.: Prepnrlng end eendlng tho form Colorado. Hawafi, Idaho. RAIVS Team before slgninu. Copyin , assembling, Stop 37105 10 the | S, 20 min. lllinois, Indiana, Iowa. lndlvlduuls. Transcripts ol Jointly lilad tux Fresno. CA 93868 concernlng (he Kansas, Michigan. returns mey be turnished lo ulxher spouse. Only l1 you have comments Minnesota. Momsna. of estimates or Suggestions one slgnatuve ls requlred. Sign Form 4506-T accuracy these time Nebraska. Nnvnda, New would be oxoctly as your nema appeared on tho orlginel tor making Form 4605T simpler. we Mexico, Nonh Daknle. con wrlie to: letum. lI you changed your namo, also slgn your happy to hear from you. You Oklahoma. Oregon. Soulh Current nume- Dako‘a, Utah. Internal Revenue Service Washington. Wisconsin, 659-456-7227 cgrporutlona. Generally, Form 4506-T can Tax Forms ond hrblicetions Division Wyomhg be signed by: l1] an oltlcer having legal 1111 Constitution Ava. NW, Ifi-BEZG authority to bind the corporation, (2) eny person Washington, DC 20224 lmamal Revenue Connecticut. Daiawaro. designated by the board ol dlrectors or other Columbia. Service Do nut send tho lorm to this eddmss. Instead. Dlsuint ol governing body. or l8) any olllcor or employoe HANS Team see Where to file on this page. Florida, Gawain, on written request by any principal olficar and Maine. Maryland. Stop 6705 P-S attested lu hy the secretory or other officer. Massachusalta. Kansas city, Mo Missouri. New Hampshire, 64999 New Jersey, Now York, North Carolina, Ohio. Pennsylvania, Rhoda Island, South Catalina. Vormoni. Virginia. 816192-61 02 West Virginia 1453131910 VMP90451’ (1405) Walters Kluwer Financial Services 201 60720 14.2.0.23444 20‘40820 Y D 463 19 O 0044- 02“ 1| w- llllllllllllllllllllllllllll i l llllllll ll lllllll SL000105 9/5/2018 9:21 AM qulkla. ’1 0MB Approvd No. 2502-0265 60‘ wot qm‘ t l' A.Settlement Statement (HUD -1) m ywv ServiceLink "V owl"; FNF'SmNATIONAL LENDER PLATFORM 1.13 FHA 2.5 Rns 3E Conv.Unlns. 8. Re Nmnber: 7. Loan Number: 8. Modgago Insurance Case Number: 28966871 1463131910 4.D VA in Coanns. 'mh 0.:Noto lonnls fumhhed io give you oslalemmofaphlal muamunt com Amomls paw lo and by ma ummanlaqenl aw shown. llams marked ‘omcrwew paid outside the doolno: (he am shown beta brimmaflon puma“: and an noundudad In the toms. D. Namo AAddross or Samar E Name LAM»: o! Seller: F. Nama A Address o! Lender: VINCENT MNEWSW. REBECCA MNEWSKI EARL PooLER. NINA JPMORGAN CHASE BANK, NA. 1150 STATE ROAD. WESTPORT. MA. 02790 SZULEWSKLPODLm Hi1 POLARIS PARKWAY, OHFBOUZ. COLUMBUS. 528 NANAQUAm ROAD. nvsmoN. CH.43240 ru 02m G. Property Loann: H. SewamenlAgent: l. Sakfleman! Dale: 528 NANAQUAKFTRD. TWERTON. RI. 0287a SERVICEUHK. LLG 071‘21I2015 woo INDUSTRIAL BLVD, Disbursement Dale: AUQULPPA. 15001 f§ 07/21/2015 ’3"? Cashier's BankofAmerica Check No. 1464802 149 ,L’ ’ . .au. 1v" -'} m. -. Y 1. r.“ Nollsg wnélafw,hmumatw;¢he¢ulosg misplgga uris‘; ~. ’~ " ~ .-I'”’~3°;L/1140* w fieqsé’ft: r‘ loleggmmsmm Edm‘ wyfingpuiogwillbo‘y' *9 xxv/flh d’be nzaahltd;MIME” dny? w ”Wm . ,.. 2 \f. s ...... «~'~\ .- I - ~ 'I’o :3 ; ~ Th5 SERVI BLlNKLLc ”. 3, O_rder. 0f , t \ ‘Bank ofAmencaJ‘I A .SANANTONIOJX . J AUTHORIZEDSIGNATURB :" . .. II' LMQII' I: 11.61.80 E l. 1.1.0000 qui DD LE1}. IUD SBEBII' .. Emoasmms-fi .I ”01.13508 LESS REUCTIONAMOUHI’ “34.53031 DUE SELLER (LINE 520) '1 95.08 TO BORROWER $127.1 50. CASH FROM T0 SELLER ”54358.1 7 WV N SaMcoUnk Pllnlnd 7/10/2D15 Bl StIGZUDPM page! ova Hum SL000106 9/5/2018 9:21 AM n ro o qo w E m m m m D “D x : 8 w a 6 D £ D 0 " 3 E 3 a 0 D D D D o J xm A a afi n m § . § ._ ag E E wm : afi § _. m a m m m2 m o D a >fi m me g . n fi § mz @5 § m 3 5. i s 3. 8 o 9€£ 2 o 6 . o 8§\. 5 a . 5» § 5 § 3 é .0 z »9 § 3 a u 2 9 a o 335 e ” : . m Mm. W “ . 2 x z H ' r 859K 59-06 . . ,\ 9/5/2018 9:21 AM Lender: JPMorgan Chase Bunk, NA. DOCUMENT CORRECTION AGREEMENT In consideration ofLender disbursing funds for the closing of the Loan secured by lhc Property being encumbered. and regardless oflhc reason for any loss, misplacemcnt, or inaccuracy in any Loan documenlation. Borrower(s) agrees as follows: lfany document is lost, misplaced, misslalcd or inaccurately reflects (he hue and correct terms and conditions of WWWxhc Loan, upon requcs\ of lhe Lender, Borrower(s) will comp3y with Lender's request 10 execme, acknowledge. initiai and delivw lo Lender any documcntalion Lender deems necessary lo replace or correct the iosl. misplaced, misstated or inaccurate document(s). Ifthe original promissory note is replaced, the Lender hereby indemnifics thc Borrower(s) against any loss nssociatcd with a demand on lhe original note. All documents Lender requcsls ofBorrower(s) shall bc referred to as "Replacement Documenis". Borrower(s) agees to deliver the Repiacemcnt Documents within tan (10) days afler receipt by Borrower(s) ofa wn'ttcn request l‘or such replacement. Borrower(s) also agrees that upon request Borrower(s) will supply addilionai amounts and/or pay lo Lender any additlonal sum pm'iuusly disclosed lo Borrower(s) as a cost or (‘ee associated with the Loan, which for whatever reason was not collccied at closing. Any request under lhis Agreement may be madc by the Lender, (including assignem nnd persons acting on bchalfofthe Lender) or Sefllement Agent, and shallbew evidence orlha necwsity forsume. A written statement addressed 10 _Borrower(s) at the address indicated in the Loan documcnialion shall bc considered conclusiiWe evidenca of lhe neccssity for Replacemcm Documents. IS t0 b6 guaranteed by Lhc Department oi‘Vclerans Affairs ("VA") or insured by lhc Federal Housing Administration (“FHA") WIWCMMfailure lo the lhc correction constitute a under the note Borrower(s) or refusal comply with terms of request may default and/Ol' dead ofmlSl. and may give Lender the option ofdeclaring nll sums secured by the loan documents immcdiaicly due and payable. EQBBQWFIB I lefilLfljY; lfBorrower(s) fails or refuses to execute, acknowicdgc. initial and deliver lhc Replacemcnt Documents ar provide the Additional Documents or Few to Lender more than ten (10) days ancr being requested to do so by Lender, and understanding that Lender is relying on lhcsc representations, Borroweds) ugeds) to be liable for any and nll loss or damage which Lender reasonably sustains thereby, including, but not limited to alt reasonable attorney's fees and costs incurrcd by Lender. This agreement shall survive the closing of the Loan, and inure to the benefit oi Lender‘s successors end assigns and be binding upon thc heirs, dcvisees. pcrsonnl repraentah’ves, succmsors and assigns of Borrower(s). 1463 l 3 l 9 10 umumn umm M’wnmt a mmmmm W ”150720" Imam nII 67mm“) lwtfil) 2025M JZOMWZBY ll iii! iiNHIHIIUIIIIWNIWIHM IHIiiHillliiMilMW HIMHJ SL000108 9/5/2018 9:21 AW LO CK-JN AGREEMENT Lender: JPMorgan Chase Bank, NA. Dale: 07/21/2015 Loan Number: l46313‘910 Borroweds); VINCENT MAJEWSKI Propeny Address: 528 NANAQUAKET RD, TWERTON, RI 02878 Loan Amount: $426,400.00 'Ibnn: 15 years Loan Type: Conventional/FNMA IS YR Fixed High Balance PLEASE READ THE TERMS AND Commons 0F THIS AGREEMENT CAREFULLY. In this Agmcmcm "I", "me". "my“ “you“ “ means 3)) ofth: applicants who sign below. The words , your“ and"Lcndcr" mcanJPMorgnn Chase Bnnk,‘N.A.. D l. DO NOT WANT to hckdn my imereshaie. discounipuims and fees al this time. 1 understand W1that interns! mes, discount points and fees arc subject lo change and Ihal it is Impunsibility lo monitor Lender's my loan 1enns during the period In which l choose lo flual. Before my loan can close, I musl lock‘in an interns! me, discount points and fees. l may lock-in at any 1ime during lhc term ofmy floal, but (his lock—in MUST be received at least two business days prior lo closing. To Ioek-in my intcms! rate. discount points nnd fees, l will contact my Mongage Banker. '— Z II. l DO WANT (o lock-in my interest me. discount points and fees ax this fime. I HAVE ELECTED THE 45 DAY LOCK OPTION AS DETAILED BELOW. The rate and points stated in lhls agreement are based on several factors. including hut nol limited to: loan amount, documentation type, lozm type, occupancy type, property type, credit score, and Iaan to value (which is your loan amount compared lo your property value). The final rate and points may be higher or lower based on information relating to factors such as those listed above, which may be determined afler the date of this agreement. mumssr RAH: 337596 DISCOUNT Pmms AND ORIGINATION FEES: ORIGerON FEE: 0.000% 30.00 DISCOUNT POINTS: 0.000% $0.00 OTHER: 0.000% $0.00 EXPIRATION DATE; 07/21/2015 LOCK-m FEE: $0.00 (0.000%) FLOAT DOWN FEE:$0.00 Exrmosn Locx-m FEE: $0.00 RATE CAP Fan: $0.00 NOTE: LOCK-IN. EXTENDED LOCK-IN AND‘ DEPENDING ON THE OPTION SELECI'ED. RATE CAP FEB. PMD PRIOR T0 CLOSING WILL BE CREDITED AT CLOSING FIRST TOWARD TOTAL DISCOUNT POINTS AND THEN TOWARD CLOSING COSTS. D lfchecked. the inleresl rate is adjustable ond subject to change. The initial interest rale shall be lhc rate specified above. 1 hemby acknowledg: that an Adjuslublc Rate Mortgage ("ARM") Disciosure describing the feaxums ofmy ARM has been provided lo me. - L . L E IS, 30, 45, 60 or 9D DAY LOCK: Ihave selcclcd lhc l5, 30, 45, 60. or 90 Dny Lock Option as specified above which Iocks in my interest rule nnd/or points for the loan program for lhe applicable time period. D 45 OR 60 DAY LOCK FLOAT DOWN OPTION; l have sclccled lhe 45 or 60 Day Lock Float Down Option which allow: m: to lock in for 45 0r 60 days. as specified above. lflhe inlcres( rule and/orpoims forth: loan progam and lock period l have selcclcd decrease during thc 30 calendar days pn‘orlo my loan closing (bu! no Inter lhan48 business hours "Float prior lo my loan closing). then I may obtain a new lower rate nnd/or points (tho Down Rate"). l may only select a Float Down Rale that corresponds to my original lock period. For example. ifmy original lock-in is for 60 days. my Float Down Rate must be selcclcd from Lhc thcn current 60-day rate options that correspond to my loan program. My new Expiration Dale will be the earlier ofmy original Expimlion Date or th: date 3D calendar days Rom my election of the Float Down Rate. U RAT}: CAP OPTION: lhave selected the Rutc Cap OptiOn which allows me both to iock-in foraperiod of90, 120, ISO. 180, 270 or 360 days as specificd above and the uppommity to close at a rate and/or points lower than my locked mtc and/or points as specified bclow. IIAJIMEW wnnmm- “mat:m 95mm nutm-mz. nznmot) WIMTZDNJUZNJJZOHMAY Pmfllofi Ml "iiiiiil Williiiiill iii i WilliWiifliiilillltiiilmii SL000109 9/5/201 8 9:21 AM D EXTENDED RATE LOCK OrnON: l have selected lhc Extended Rate Lock Option which allows me lo Iock-in for n pcn‘od oi‘ 120, [$0 or 180 days as specified above. EmeATJON DATE: Ifth: Expiration Dale falls on a weekend or Lcndcr observed holiday, 1hr: Expiration Dale will extend to the next businBSs day. Ifmy loan does not close nnd fund by [he Expiration Date, my inlmst rate. discount points and fees will be the greater of the terms cslablishcd by this Agreemem or the current mafkel mte established by Lender. LOCX-1N, EXTENDED LOCK-IN AND RATE CAP FEES (together "Lock~]n Fees"): l agree to pay Lock-in Fees m lhe nmoum(s) stated above lo lock~in my inlerest rate, discount points and fees. Lock-in, Extended Lock-in and, depending on the option selected on Ihc Rate Cap. Rat: Cap Fees \vill be credited at closing first toward total discountpoints and then toward closing costs To exercise my one‘fime option to lock a ralc andlor points lower than my existing lockcd rate and/orpoinls, 35 described in the 45 or 60 Day Lock Float Down Option, Rate Cap Option paragraphs Immediatclv above, ] will contact my Mortgage Banker. I undcrsland thal I will b6 responsible for monitoring Lender’s interest mlcs. discount points and fees In connection with [his float down Option. FLOAT DOWN FEE: l agree Io pay a Float Down Fee, irapplicable, in Ihc amount stated above. 1 understand that] must pay an up from Float Down Fcc as slalcd above This Float Down Fce Is in addition lo any other fees which Iwill m- have already paid Io lock my interestmtc, discount points and fees. EXCEPT AS DESCRIBED BELOW. LEW . .. a- . . OR. FLOAT DOWN OPTION FEE IS NOT REFUNDED AT CLOSING APPLIED TO CLOSING COSTS. REFUNDABIIJTY 0F LOCK-IN AND FLOAT DOWN FEES: These Lock-In and Float Down Fees will be refunded lo me Ifmy loan application Is denied fbr credit reasons. These Lock In and Float Down Foes will NOT be mfimded Io me ifl have withdrawn my application or my loan docs no! close and fund bthe Expimtim Date oflhis Agreement ifl supply incomplete or inaccurate infomation, or unless approved In writing by Lender, l change the type, temI, property or amount ofthe loan for which I applicd. The Float Down Fcc will nut be refunded if] fail to exercise lhe floal down option l UNDERSTAND THAT! MUST PROVIDE THE DOCUMENTS LISTED ON THE CONDITIONAL APPROVAL 0R NOTICE OF INCOMPLETENESS BY 06/]5/20l5. lFl DO NOT PROVIDE THESE DOCUMENTS BY THIS DATE, THIS RATE LOCK MAY BE CANCELLED. lundcrsland that this Agreement is not a loan approval or a commitment to make a loI'In. Lender will make a good faith ciTon to process my loan application and, ii'opproved, lo close and fund my loan prior Io the Expiration Date. l may not assign this Agreement to any other person. This Lock-In is subject Io verification of all information provided to Lender In my application and credit report. The locked Interest rate. fees and points may be subject to change ifmy credit standing changes or unless approved In writing by Lender, if] change the type, term, property oramount ofloan for which l applied or in the eveni any information l have provided to Lenderin my application or otherwise is found to be false or incorrect in any way or if] have scleclcd Lender Paid Mortgage insurance and my loan lo-vnluc ratio changes by dale ofclosing. l shall not be entitled lo any interest lhnl may accrue on the Lock~ln, Extended Lock-ln, Rate Cap, or Float Down Fee, whether or not they are refunded to me. Ii”! have any questions or comments [will address them to my Mortgage Banker. Lender: JPMorgan Chase Bank, NA. By: Date: Sandra Knippen NMLS iD: 497963 Imumo Loci InAmnnt- Mum osmmnmzumgbm (12mm) NWORDILZUZWQNKOGBV Fwd 2 d2 l iil Ii iii ll |ill!illliiiiiiiiiiiiiiiliiiilliiilliliiii ii l SL000110 Acknowledgment ofReceipt of Appraisal / Valuation . Lender: JPMorgan Chase Bank, N.A. Date: 07/21/2015 Loan Number: 146313 1910 Bonower(s): VINCENT MAJEWSKI Property Address: 528 NANAQUAKET RD, TIVERTON, RI 02878 I confinn that I previously waived my right to receive the appraisal / valuation (“Valuation Report”) at least three days before closing to avoid possible delays“m my closing date By signing below, I acknowledge that l received and reviewed the Valuation Report at or before closing and that I have no questions about the report. }- ?f‘ 7/»xe VINCENT MAJEWSKI Date 1453131910 Acknowledgment of Receipl olAapralsal IVaIualian Page 1 DH C6043 (TIM) (replace: 7/13 BumuWaiv/av a! Raoulpl) 2015072014.:0294442014082“ llHllllllll'flllW V. m. WllllH l’lll llllllll llflfllfll'fliflllflWilllllllllllllllllllHHlllllfilWWI" .sm/ SL000111 9/5/2018 9:21 AM l l l | CONSENT FOR USE OF MOBILE PHONE NUMBER(S) l | Lender Name: JPMorgan Chase Bank, N.A. Date: 07/21/20] 5 l Loan #: 146313 l 910 l You have previously provided us with the phone number(s) listed below. By signing below, you are giving us permission | to use any mobile phone number(s) provided to contact you through the use of text messaging, artificial or prerecorded voice messages, and automatic dialing technology. This will apply to all ofyour Chase and JlP. Morgan accounts and will include l informational and account service calls, but not telemarketing or sales calls. The same permission will extend to companies working on our behalfto service your accounts Message and data rates may apply. You may contact us at any time to change l these preferences. l This consent applies to mobile phone numbers only. Consent is not required for us to make informational and account service l ca]ls to land line numbers, including using automatic dialing technology and artificial or prerecorded voice messages. | Phone number(s): l (508)641-1009, (770)528-9556, (717)525—2083 l l I ail?“ 71W! Z 1 VINCENT MAJEWSKI Da tc ‘ l I l O. ,, . l l l l l I l l | | l | l l 146301910 Mobfla Telephone Consent | C&MsO/IB) 2016072014.2.0.253d-J20140828Y Pagu 1 0H l ¢~ M ' | ”ll W l WW WWWWWWWWWWWWW | gk. .2“ l SL000112 l l l | l 9/5/2018 9:21 AM Privacy Policy Notice PURPOSE OF THIS NOTICE Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates. from sharing nonpublic personal information about you with a nonaffiliated thlrd pany unless the institution provides you with a notice of its privacy policies and practices. such as the type of information that it collects about you and the categories of persons or entitles to whom il may be disclosed. In compliance whh the GLBA, we are providing you whh thls document. which notifies you of the privacy policies and practices of SERVICELINK. We may collect nonpublic personal information about you from the following sources: Information we receive from you such as on applications or other forms. information about your transactions we secure from our files, or from [our affiliates or] others. v.00 Information we receive from a consumer reporting agency. Information that we receive from others involved tn your transaction, such as the real estate agent or lender. Unless It is specifically stated othetwlse in an amended Privacy Policy Notice, no addittonal nonpublic personal information wm be collected about you. We may disclose any of the above Information that we collect about our customers or former customers to our affiliates or to nonaffitiated third parties as permitted by law. We also may disclose this information about our CUstomers or former customers to the following types of nonaffillated companies that perform marketing services on our behalf or wlth whom we have joint marketing agreements: 1) Flnanclal service providers such as companies engaged in banking. consumer finance. securities and insurance. 2) Non-financlal companies such as envelope stuffers and other fulfillment service providers. WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPEClFlCALLY PERMITTED BY LAW. We restrict access to nonpublic personal lnformatton about you to those employees who need to know that information in order to provlde products or services to you. We maintaln physical. electronic. and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. SL000113 NAN D1 iiiiiliifiiflfidiuiiil1W"vfififflfiflfiifififimfifimfiivnImmmummmmmnrmW Q/yons‘fiV | i i | i | J l l | | Servicennk 07/21/2015 400 Corporation Drive 1463131 910 | Allqulppa, PA 15001 (855)264-4931 | | Dear Title Agent, At Chase, it is our policy to provide credit to individuals on sound lending practices. We evaluate each credit application on its men'ts regardless of the applicant's raCe, color, man‘tal national origin, religion, gender, or family status, sexual orientation, disability, age, | or fhe fact that the applicant receives public assistance 0r may have exercised n'ghz‘s under the federal Consumer Credit Protection Act. l | Fairlending is the law. More important, fairlending is the ethical and moral obligation of every individual providing services in our indUStry. It is the n'ght thing to do. i Our policy of fair treatment and equal oppofiunily extends to eveiy aspect of the credit transaction. This includes advertising, pre—app/ication inquiries and discussions, application taking, processing, undenwiting, purchasing, servicing and collecting loans. As a title agent doing business with Chase, we expeci you to share our commitment to fair I lending. Attached you wili find the JPMorgan Chase & Co. Fair Lending Statement. j Please review it and ensure that it is applied Io all of our customers. ‘ We look forward {o our continued relationship ofproviding all mortgage applicanls equal oppofiunity and fair treatment Working together, we can build a business relationshh) that l is sound, profitable, and responsive to customer needs. | 777ank you forjoining us in this endeavor. lfyou have any comments or questions about JPMorgan Chase Bank, N.A. 's fairlending policy orpract/ces, us. please contact | Sincerely, | l Branch Manager | 1463131910 . Title Agn! Lallor- Falr Lending i 65004 (8/04) (raplaces 1/01 Page 1 o“ | “’4‘ V' W J llllllllllllllllllflllllllllllllllllllflfflflllmolloTliTllllllllllllllllllllfllMIMI"! WWI i I SL000115 i | | 9/5/2018 9:21 AM CHASE cl JPMorgan Chase & Co. FAIR LENDING STATEMENT JPMorgan Chase & Co. (JPMorgan Chase) is committed to treating all individuals fairly and equitably in the conduct ofits lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission ofproviding quality financial services to existing and prospective customers in accordance with a1] applicable laws. 1n the Credit Opportunity United States, this principle is embodied in fair landing laws such as the Equal Act and the Fair Housing Act and applicable state laws. These laws require the cquitabie treamient national origin, ofall credit applicants, Without regard to race, sex, sexual orientation, color, all ofthe applicant's religion, age, marital siatus, disability, familial status, the fact that or part income derives fiom public assistance program; or to the fact thalthe applicant has in good faith person equal access to exercised any right under the Consumer Credit Protection AOL Denying any and has no basic economic opportunities, such as home owueiship or credit, is morally repugnant, place in our company and will not be tolerated. applicant Only through the eiforts ofall ofus at JPMorgan Chase can we ensure that evcxy of (he for credit receives fair and equitable treatment and that we have helped each member communities JPMorgan Chase serves reach his or her fullest potential. 14631 31 91 D Fair Lending Slalemonl CGOOdA (8 12) (Replaces 1M0) Page 1 0H 463131910 0338 111 * ml m- 'llllllllllllllll ”HimIll!”lllllllllllllllllllllllm“! llll Iw/ V. w. llllllllllllll SLOOD’HB 9/5/2018 9:21 AM Notice of Nonrefundability of Loan Fees Rhode Island Lender Borrower Date JPMorgan Chase Bank, NA. VINCENT MAJEWSKI July 20, 2015 1111 Polaris Parkway 1180 STATE RD Loan Number Columbus, OH 43240-2050 WESTPORT, MA 02790 1463 l 31910 Property Address: 528 NANAQUAKET RD, TIVERTON, RI 02878 Notice Regarding Nonrefundability of Loan Fees You have received a good faith estimate or other itemization offecs and charges showing the loan fees and similar charges you are likely to pay to obtain this loan. As provided in Rhoda Island General Laws Section 34-23-6, none of these or other fees and charges will be refunded in the event the loan is prepaid in whole or in part By signing below, you acknowledge, you have read the above notice and have received a copy of this notice and a Good Faith Estimate or other itemization offees and charges. BorrOWer ‘ 7/91/xf V INCENT wMAJEWSKI Date ( 1463131910 Application Disdosure—RI VMPO 07/11 Wow: Xmas! Finandal Serviwso 2002. 2M1 201 507201¢.20.2944~)20140828Y Page 1 o! 1 IN NI l mm! l 1H llll!!!IllIWIHIWmm!"“llllmllwllllliillflllflll “Wm! SLOOO’H? 9/5/2018 9:21 AM fwdfiTGAGE COMMITMENT LETTER CHASE O Lender: JPMorgan Chase Bank, NA. [111 Polaris Parkway Columbus, 0H 43240-2050 VINCENT MAJEWSK! Loan Numbcr: 14631319] D HBO STATE RD Property Address:$28 NANAQUAKET RD WESTPORT. MA 02790 TIVER'IUN, RI 02878 Date: July2|,2015 We've approved your 1mm application, subject to the following terms and conditions. Dcar VINCENT MAJEWSKI: Wc'rs pleased to send you this Commilment Lcucr lo [etyou know your Chase mortgage loan application has been apnrovm, subject lo the terms and conditions shown below. Please lake a few minulcs to read flu's Information carefully and be sure lo take any required actions in ordur lo move forward with your closing whhout dclay. Also. please note that lhis Commitment Letter expires 09/03/2015. which means your loan must close by this dale. Thank you for choosing Chasc furyour new mortgage. We look forward to helping you wilh your financial needs forycars to come. ii‘you have any qucstions, please call us. Sincerely. Sandra Knippen TIcVOr Tharp Loan Processor Mongagc Bunker NMLS 1D: NMLS 1D: 497963 H9552 8552427346x3643022 [855) 242~7346 16655020 Fax: (866)632-1714 Fax: (8663218750 TERMS AND CONDITIONS A. MORTGAGE TERM . . ' ' ' ‘ l ' ‘ ' ' Loan Amount $426,400.00 Loan lo Value (LTV) 76.829% lnlcrcsl Rail: 3.375% ' Ralc Locked? Yes Disconnl Points 0.000% Monthly Puymcnl (only includes Principal and lnlerest)‘ $3,022. l 6 Escmwing Taxcs and insurance? Yes Loan Type Conventional/FN'MA 15 YR Fixed High Balance Term in Years 15 Financing 'Iypa Conventional Mongag: insum e Requircd? No I ' Property Type SnglcFamily Occupancy'l'ype Pn'mary Residence ' lfyou applied for a loan with Initial lnterest-iny payments, lhc amounl indicated is an lnterest-Only payment. \ M Mamalnlo Cum’hmillm GSMNAu/Humum Nu) 205012014 2.02W\DOI(DIMY Pm I all . l“ Willi“ iillillliliiiiiiiliilmii lliiiilfliiiiiiiiiiliilliiilll SL000118 9/5/2018 9:21 AM Please note that in addition m the monthly mortgage payment principal and interest estimate shown above, your Chase monthly payment may Include: v Estimated annual taxes - Hazard insurance premiums ‘ Private mortgage insumnce premiums ' Assessments - Flood insurance premiums ~ Municipal water chargw ‘ Sewer ten! This Commitment Letter will expire on 09/03/2015.]fyour loan docs nolclosc by that date, the terms oflhis Commitment Letter are subject to revision or cancellation. The purpose of the loan for which you have applied is Purchase, with a contract price of$555,000.00. Any change lo your sales contract muslbe approved by lhe Lander. 'flm Interest rate and discount points ofyour loan arc dctcrmined by the oplion you have selected under (he lcrms and provisions ofthe Lock-In Agreement we gave you previously. Name on documents: Your name will appear on me closing documenls and mortgage as follows: VINCENT MAJEWSKI, REBECCA MAIEWSKI will Imus is not concct, please call Sandra Knippen immediately a1 8552427346x3643022 so your loan documents be prepared conecuy. B. SPECIAL RULES FOR REFXNANCE TRANSACTIONS You may have the right lo cancel within mrcc business days aficr sculemem. Ifyour refinance transaction is secured by your paid primary residence, you will receive a Notice of Right lo Cancel m closing, and tho proceeds ofyour loan will not be until 1h: founh business dny ancr settlement. C. REASONS WHY WE WOULD CANCEL THIS COMMITMENT LETTER We reserve lhc right lo cancel this Commitment Letter for any ul‘ tho following reasons: - Any change in who the borrowcrfs) is (are) ' Any statement you have made. in your application or clsewherq is found Io be false or misleading o Any change lhal adversely affects your financial condition or employment status from that presented in your application o Any change in tho property or in our information about lhe propony. including its value or factors affecting vnlue at or after time of appraisal ~ The property is a mobile home 0r a manufactured home O You do not camply with any oflhe candizions contained in this Commitment Loner and the included ScheduleA 'Therc is on interest rate increascwhich in our opinion adversely ail‘ccls your ability lo qualify for tho loan amount rcquasted or to afford monthly payments ntlhe higherinlcrcst rate law o A CenifiCule of‘Occupancy is not issued by the closing dale on now construction or as olhcrwisc required by - Pre-closing review shows a material change in thcplans and Specifications provided at application oru malcn’nl alteration is completed by the builder‘wilhout prior consenl - or stale Wc determine [hat lhc mongago loan is a highoosl or similar loan undcr any applicable federal laws. or any investor mquiremems ~ The loan oil‘erod'becomcs ineligible forsnle in tho secondary market under applicable federal orslale laws or any investor requirements . - Any omission or misrepresentation, made willfully orncgligenlly, ofmalerinl credit and financial information that should requcslcd be disclosed in your application or elsewhere, which negatively afi'ecls your credit qualifications for the loan involving ' We discover any oflhe applicants havebcen convicted ofa criminal offense. cithcra misdemeanor ora felony. dishonesty, breach oftrust, or money laundering Loner arc - lf Schedule A indicates lhat this Commilmenl Letter is subject lo nn appraisal, the terms of this Commilmem ' subject lo revision or cancellalion based on appraisal results D. IMPORTANT GENERAL TERMS - Your loan musl be scoured by a valid first lien on tho property “Ibis Commitment Letter is not transferable to any olltcr property or person v This Commitment Letter replaces all previous Commitment Letters - The ten'ns and conditions oflhis Commitmenl Letter may nol be altered by you in any way - No secondary financing ls permitted without lhc express written approval of the Lender E. CONDITIONS T0 COMMITMENT—SCHEDULE A will be The conditions on tho attached Schedule A must b: met la 1h: Lcnder’s satisfaction. ln addition, al sclllcmcnt you tequircd lo sign and agrco lo the documents which we reasonably require for your type ol‘loan program and property. Your require. certifications seller (ifthis is not a refinance loan) muy also have to provide ccnain additional ilems which we All and other items listed on lhe altached Schedule A must be current and in our office no latcr lhan FIVE (5) business days before settlement. Ifyou have any questions about these conditions, please give us n cull. ‘6)!11910 Cmmloflo r mllh [HIMHRW 91:] IDIWZVNlflJB‘LJZDHMfl‘! Pagulold W? - 4/ V. lllflfllfllflmumflllm lllllllll ll ll llllllllllllllllllllllll ll .w/ SL000119 9/5/201 8 9:21 FM F. YOU NEED T0 BE READY FOR SETTLEMENT LHazard in surnnce ‘ You must provide an original hazard insurance (fire and extended coverage) policy and paid receipt for one year from an insurance company. A binder is not acceptable unless required by )aw. The fire and mended insurance coverage must be in an amount not less than 100% offlm insurable value ofihc improvements us established by the insurer 0R replacemenl cost coverage (or similar language) as slated on lhe declarations page. (The replaccmcnl cost is the insurer's estimate ofthe cost lo replace a home excluding the land valuc). Yourpolicy must include wind coverage or supplemental insurance win be required. 'I‘o learn more, pleas: see the insurance disclosur: ("Property Insurance Requirements for Your Home Loan") that wns included in your application package. The policy musl have the following mongagee clause: IPMorgan Chase Bank. NA, its successors and/or assigns, ATIMA P.O. Box 47020 Atlanta, GA 30362 Loan fl: l463l319m 2. Proof ol' Identity: In addition to the vcrificmion done as part of‘your application. you will also need lo provide proof ol‘idcntity al closing. You must bring cilhcr photo identification (c.g.. drivers liccnsc) or two aheman've forms ofpmof ofidemificalion (5.3., Social Sccurity card, major credit card). 3.}'ower of attorney: You mustamngc with us in advance ifany oflhe panics will not be at settlement. Please note lhnl we do not ncccpl powers ofmlomcy in everyjun'sdiclion and we only accept them under exceptional circumstances. Wher: we accepl a power ofmtomny. we require lhat i! be specific lo lhe loan transaction. You must providc us with lhc proposed power of aflomcy (completely executed) ut least 15 days before settlemcm. We reserve lhc rightto refuse lo settle your loan ifthc power ofauomey and citcumstances surrounding its use are not, in aurjudgmenl, satisfactory. G. ACKNOWLEDGMENT AND ACCEPTANCE We arc plcascd to havc lhis opportunity to meal your home financing needs. Please do n01 hesitate lo cull us if you have any questions about this Commitment Leucr. By signing balmy, you accept the terms and wndilions ofthis Commilmcm Latter, Scheduch and any Addendum incorporated herein. Kyou do not close \his loan in accordance with lhc descnhed 1mm. you may lose some or all of lhc recs or chargcs you have paid. By signing below, you acknowledge receipt of the Application Disclosure, u CFPB Settlement Costs Booklcl, a Good Faith Estimate of Settlement Costs, a Truth—[n-Lending Statement, a Transfer of Servicing Disclosurc Statemenl, and fox adjuslablo—ratc loans only, a Consumer Handbook on Adjllslable~Ralc Mortgages, among other documents. ACCEIrrEn BY: JPMorgan Chase Bank. NA. .J‘l‘ Sandra Knippen Bor .wcr [I / gm 7 9/ /J' VINCENT MAJEWSKI Date 146M118!“ cu-menmum? 052:9“ “mung”: Em) mlsonbl‘l flmiflllmuv FWISEN W7- L. l WWI MM Hflllllflllllmm WIN llllllllllllfllllflllll HIW SL000120 9/5/2018 9:21 AM Borrowerts): VINCENT MAJEWSKI Loan Number: 1463131910 SCHEDULE A: CONDITIONS TO 'BE SATISFIED FOR CLOSING The following conditions togelhcr with nny wndilions noted in the CommitmenlLettct. must be salisficd by you nnd submiued to us for approval at least five (5) business days prior lo closing. Your closing must bc schedulcd to allow us sufficient lime to verify that all conditions meet our satisfaction and ensure (hat yourcredit documents arc currcnl and acccplable. Please complete or provide the following as suon as possible, but at least five (5) business days prior lo closing: LScllcr or interesled third party payment ofclosing cosvs, prepaid items, and disconntpoints may not exceed lhc lesser ofactual costs or 6 percent / $33,300. 2.AII bonower(s) mustcomplele, sign and date an IRS Form 4506-2? a! lime of closing. 3. Evidence Ihc Real Esmtc taxes for the borrowers current residence (I l 80 State RLI, Weslport, MA) do nol cxcecd $773/mo l file to be rerumcd to UW with suppmfing docs if lhc propcny taxes exceed this amount The foltowlng are items for which we arc responsible and additional information specific to your loan. Wc will lel you know it‘we nccd your assistance with any of these items. LChase m ensure Borrowers funds Io ctose not to exceed “59,248.94 The following items will be provided by third parties (such as title or appraisal companies) at or before closing. We \vitl lctyou know if we need your assistance with any of these items. LTitie Commitment to be issued with no 1iens.judgmcms, or delinquent taxes against the propcny or borrowcr(s). 2. Settlement Agent to have the Acknowledgment orReceipt of Appraisal I Valuation form signcd n1 close. 3. GFE PAGE 0F THE HUD: Please ensure the GFE page of the HUD-l and Loan Terms match the closing instructions :xaclly. lt‘the Settlomcnt Agent docs not have the capability to complete the GFE page in accordance with our instructions, the incorrect values should bu crossed out, thc con'cct values written in. and the changes initialed by all borrowers. 4. Please send HUD for approval before sigting lo CLOSER: KRISTA WHITEHAIR Email: [email protected]. Font! [-866-421-75 I 3, Phunc# 614-2l7-3530 5. Pteose verify all lax information with the taxing authority. lt‘thc tax bill has been released and the due date is within 30 days ofthe closing date. taxes must be collected at close. ESTIMATED TAXES CANNOT BE COLLECTED AT CLOSE. 6. INSURANCE: D0 NOT PAY HAZARD INSURANCE AT CLOSE. Please list Sl279 as POCB on line 903 to United Prepcrty Kc Casualty ins. 7. At closing, provide the borrowcr(s) with n finalized copy ofthe Uniform Residential Loan Application (Freddie Mac 65/Fannie Mac 1003). 8. Chase to review and approve the HUD-l settlement statement, prepatcd by the settlement agent before any funds can b: disbursed. r I Haanwm Comma: Lou" Cmundflmum U13) W filSfl’NILZQWNNWRY P190 4 DU ii llilitili iii llliliiiiiiliiiiiiiiillllliillilliiiiiiliitillliil SL0001 21 9/5/2018 9:21 AM CHASE O 1463181910 JPMorgnn Chase Bank. N.A. 528 NANAQUAKET RD TlVERTON. RI 02878 . VINCENT MAJEWSKI Dear Homeowner(s): Chase. We‘re glad we Congratulations on lhe purchase or refinance oryour home and thank you for choosing first installment is provided on the next could assist you wllh your mortgage needs. A payment coupon for your received more than 15 page. Your monthly mortgage payments are due on the firs! day of each month. Payments a late charge. Please refer to your Mortgage Nola for days after lho first day of lhe month may resull In your paying mom Information regarding late charges. write yeur loan number on your check Please make your payments payable Io JPMorgan Chase Bank, NA . receive It {he firs! day of lhe monlh. Your or money order and mail lhe payment and coupon lo us so the! we by Installment." or more l! you wish lo make additional payment musl be for me amount shown a5 "Tolal Monlhly principal payments. program end have received your enrollment lfyou have enrolled in the monthly automatic mortgage payment not received your wnfim’rafion letter al least 5 days confirmation letter. you may disregard lhe coupon. lfyou have 800-848-9136 lo confirm whether or n01 you should before lhe scheduled paymenl due dale, please contacl us at mail a payment and will include Ihe following: Your firsl mongage Installment is duo 09101/2015 $ 3,022.16 Mortgage Payman! (Pfindpalandlnleresl) $ 718.19 Taxes $ 105.58 Hazard Insurance Mortgage Insurance Premium $ MJ.P. (FHA) or Frivale s Flood Insurance S Weather—Rela1ed Insurance INSTALLMENT‘ $ 3.846.913 TOTAL MONTHLY will be loII-free number on the monthly statement that you Please tee! free lo wll us al 800-848-9136 oral (he lo tho address on your monthly slalemanl. receivlng. All future written correspondence should be sent ”$131910 Doarrlorrmwnor Lunar Page 1 012 66003 VIMHIBphws DIIZKCLENJ 9I12) r 1 63131910 0408 H WWWWWWW 1 l HWWWWWW yyw. SL000122 9/5/20189221 AM PleaSe use the anamed coupon to make your rust payment lfyou do not receive your firs! statement before your payment dua date. lfyou have enrolled 1n the monthly automatic mortgage paymenl program and have received your enrollment confirmation letter. you may disregard the coupon. If you have not received y0ur confirmation letter al least 5 days before the scheduied payment due dam. please contac‘ us at 800-848-9136 10 confirm whemer or nolyou should mail a payment. 1653131910 DauHoI-rwmtuna r 05M (7/14) (mpbmfin! 5 01.de 9/12) PBMZMZ 1 19 00408 1020 HIMlllmflflHIHIIIIWIIIWW (W l ll Wlfllllfllfl l It 'Sepiembem, 2015 33.36.93 LOAN NUMBER: 1463131910 x ~ N _ 'uTe'PA'irMEN'P - on on AFTER - ‘ ~ VINCENT MAJEWSKI .~ . September 16. 2015 $3,998.04 PAYMENT s JPMorgan Chase Bank, NA po aox 78420 ADDmONAL PRINCIPAL s pHosmx A2 850624420 Tom PAYMENT s SL000123 9/5/2018 9:21 AM Lender namezJPMorgan Chase Bank. NA. Data: 0712112015 CHASE 0 Application for tho Chase Automalic Mortgage Payment Program Borrower namewmcem MAJewsm Léan number. 1463131910 Property address: 528 NANAQUAKET RD Home phone: (50816414009 TIVERTON, RI 02878 Work phone: (770)528-9558 lwanl my mortgage paymenl aulomaliwlly deducled from the checking orsavlngs accounlbelow. _ D ' ldo not want my mongage payment aulomaUcaIly deducted {mm a checking or savings account. \I- Please nofe: When you slgn up for automatic payments. you should conltnue to make your loan payments (by marl, online, in a branch or by phone) unfil you Ieceive a latter from us siafing thal me automatic payment program has been set up. Thls letter will lnc‘ude the firslwilhdrawal dme and amount. Bank account information Banking lnslitullon name: Account number. Account holder name: Banking routing number: n n J a Checking account D vwmwax Yum . D Savingsecoount :ngngm- ‘ mo, mlmwayflm Automatic payment amount / Current mommy payment $ Additional princlpJ payment ( tonal) s Automatic payment withdrawal date D You request and authorize us lo electroniwlly z ly payments a us any additional prlnclpat you authorize from your personal bank accounl on the withdra ‘ choose. Y . can choose any day between the tst and the 16m. lfyou choose a withdrawal dale that ls - - = - no not choose a date, we will withdraw tho payment on the paymenl due dale. As you requesled. your firs! payment wm be withdraw on and we wlll withdrew future payments on the same day each month. Inhe lIne above ls - nk, plea-e wn'le Vday ol the month you would like yourpayments withdrawn. ol‘ Generally. paymems are due on (ha first day of -ach onth. - -urgrace period allows it to be made up to the 16th the month. Refer lo your loan agreement [or the .9. fin d ; — ' Please review these lorms and conditions . You can cancel or change automatic paymenls -. lne at chasemm -r by calling us at lho number below. Requests for changes ornnceuallons must be made three - ys In advance of the -ayment date. o You agree lo have rmney In your account - aver lhe payment as req ed underyourloan document. If not, we may charge a fee plus late charge and you are - ill liable for the payment, a-rdlng lo yourpromissory note. You authorize us to change the amounloryour payme as needed if them Is an lncreas or decrease 1n esctow oropflonal products amounts. NoXe that additional escrow a zyments are not permitted. . An automatic payment transaction t Halls on a non—bustness day will be pr eessed on the following buslness day. Saturday Is considered a busines day for automatic payment purposes. . For interest-only loans, you agre that payments may vary if you have made an additional payment thatwas directly applied to the principal. ~ . If your toan Is dettnquent, can suspend automatic payments, and you will have - make your payments directly to us. . l! you. a oo—borrower. or nyune on the title to the property that secures the loan file for bankruptcy, we will cancel your automafir: payments u n receiving notice orthe bankruptcy filing. . We may change 1e s or tees or cunwt the automatic payment program at any ttme. tf nttce ts requtreu, we wttt tell y0u In writing. c U.S. or Ohlo Ia nvers this agreement. thereby ackn -e that l have read ms agreement and agree to Its termed agree to rot a copy tor my ;:°:;::;. /flfl M &//_( AwountHotden V/ , {p. Datei. For changes, questions or cancellation. you can contact us at: Chase Phone: 800648-9136 8415 \fislon Drive Fax: 614-422-7575 Mall Code: 0H4~7302 ACH ‘ Online: chasexom Columbus, OH 4321 9 closlng Agent: Please retum completed form with the closing package. 145313 19W Aulomnlh Wgago Fmonl [ACHJAxtl-hmwtbn 'LD 6 13191 0 41 333‘ l” tttttttttt ll ll ll I lllllllllllllllllllllllllllllllllllll SL000124 9/5/2018 9:21 AM Initial Escrow Account Disclosure Statement Sewlcer Borrower Date JPMorgan Chase Bank. N.A. VINCENT MAJEWSKI July 2!. 20!5 Ro. Box 73420 nso STATE RD Loan Number Phoenix, AZ 85062-3420 WESTPORT, MA 02790 1463 I 3! 9'0 Ton Free Number: 300.842.936 Property Addressszs NANAQUAKET RD. TIVERTON, RI 0287s THIS IS AN ESTIMATE 0F ACTIVITY IN YOUR ESCROW ACCOUNT DURING THE COMING YEAR BASED 0N PAYMENTS ANTICIPATED TO BE MADE FROM YOUR ACCOUNT. Monlh to Escrow (o,— pcn'od) Accounl Account Balance ‘ 77 .77 .77 77 (PLEASE KEEP THIS STATEMENT FOR COMPARISON WITH THE ACTUAL ACTIVITY 1N YOUR ACCOUNT AT THE END 0F THE ESCROW ACCOUNTING COMPUTATION YEAR.) Cushion selected by scm'ccr: $1,649.54 Your monthly mongagé payment for the coming year will be 53,846.93 which $3,022. 16 will be for principal and interest and 5824,77 will go inlo your escrow account. Undernon-nal cscrow practices, your monthly escrow payment in the second year could bemuch higher lhnn in lhc first. You may voluntarily choose lo make higher payments during the firsl year lo reducc or elimlnule the monthly payment increase in the second year. lfyou are interested in doing lhls, conmcl: JPMorgan Chase Bank, NA, Altn: Customer Care Research HO. Box 24696 Columbus. 0H 432244696. 1-80 0-848-91 l7 l/W' NGJISIBW Mum‘s“ Dawn“ sblmenl WW (21H Wm" IOMFWSWONII leonfluimwdmumlfl Pm“ n11 l lllllll llllllllllllllllllllllllllllllllllllllllllllllllllllllllllll ll SL000125 9/5/2018 9:21 AM TAX INFORMATION SHEET Loan Number: l 6 1 ll) Borroweds) Name: VINCEET MAJEWSKJ Sims Address: 52$ NAEAQUAKET RD, TIVERTQN, Bl 02g 28 New Construction? (YIN) Ii ESCROW FOR TAXES? (YIN) XES Please indicate below, the name(s) of the municipality thal taxes are payable to. CITY, TOWNSHIP 0R BOROUGH (if any) ~ TIVERTON TOWN Taxes paid through: (MM/YY) 06/1 5 Last Amount paid or Eslimalcd Ammmt ofnexl disbursement: $2,154.56 Next tax payment due: (MM/YY) 09/ [5 Payment Frequency (Annual, Scmi-Annual, TrLAnnual or Quancdy): Quarterly Property Identification Number (Le. parcel number): 403467-000 TAX BILLS DUB WITHIN 30 DAYS 0F CLOSING MUST BE EAIQ BY THE SETTLEMENT AGENT, THEREFORE 1T WILL BE NECESSARY To wmmom ESCROW To THE 'rAx BILL AND FORWARD THE PAID RECEIPT To: Fmsr AMERICAN REAL ESTATE TAX SERvICB Am: CLIENT SERVICES MAIL CODE: mrw 1.5 z i FIRST AMERICAN WAY WESTLAKE, 1x 75262 NONCOMPLIANCE T0 THIS POLICY WILL RESULT IN A CHARGE T0 THE SETTLEMENT AGENT FOR ANY DELINQUENT PENALTIES. WE, THE CLOSING AGENT HAVE WITPWELD S T0 PAY CLOSING AGENT' ADDRESS: PHONE NUMBER: ESCROW/FILE H BY: DATE ’ NAME/TITLE M [#8313310 Yur Inlam-l‘nn sw( cm: (rm; (mm am) WHOIIDNIMWJQONNIBY Pow NH WNW! mlHUI!!!“WWW!III“llIIHlfllUJHWHlWUlm SL000126 9/5/2018 9:21 AM My insignia of/W I represents my full signature 0f flebecw Maylasb.‘ (exactly as thé signature line reads). a ?%f 1[an)\5‘ K SL000127 AM""" 9/5/201 8 9:21 My irI/signia ‘ of / {m represents my full signature Of flmmrL [5. Wflgeu/slq (exactly as the signature line reads). k- fm- 7M5 SLOOO128 9/5/2018 9:21 AM 07/21/2015 You will be signing or initialing all documents exactly as listed below. Signing and/or initialing any other way may cause this transaction to re-close ’ Vincent Majewski VM Rebecca Majewski RM k flax * flu77 SL000129 9/5/2018 9:21 AM ll TWN <91? TNERTQN, RHQDE ISLAND Fire Prevention Office Certificate 0f Smoke Detector and Carbon Monoxide Detector Performance The Tiverton Fire Department has inspected the smoke and carbon monoxide detector Systems in the residential property containing not more than three (3) dwelling units iocated at: MM constructed in The systems Were found to be in good working order at the time of inspection. The systems are in compliance With sections 23~28.35~1 through 23-28.35—15, . Fire Detectors and Carbon Monoxide Systems in Existing Residential Occupancies. Smoke & . Location Smoke Smoke Smoke Smoke CO CO CO Heat Battop Wired w/Baitery & CO w/ Battery Battop Wired Detectors Back up Battop Back up w/ Battery Basement 3 13’: Floor a . 2nd Floor 3rd Floor Garage hlspectm 1% DateiRL/L’..__ Fee Check Cash _Efl____dd _ OJ L- , - - 85 Maln Road Tiverton, Rhoda Island 02878 Phone(4o1) 625-6786 Phone(401)625-6740 Fax(401)625-6753 SL000130 9/5/2018 9:21 AM Settlement Agent Fee Sheet Lender Borrower Date JPMorgan Chase Bank. N.A. VINCENT MAJEWSKI July 2 I , 20 | 5 llll Polaris Parkway l|80 STATE RD Loan Number Columbus, OH 432404050 WESTPORT, MA 02790 I463 13. 9} 0 Property Address: 528 NANAQUAKBT RD,TIVERTON. RI 02878 Items in 02‘ lo LDD — “Any POC listed above or in Other Credits musl b: shOWn on page I ofthc HUD in lines 204 209. "Includes Origination Point (0.000% or $0.00) to $1 WOO. Reserves Deposited with Lender l Tom! Hazard Insurance Individual 3 months @10658 per momh $319.74 Town Property Tax 4 months @57l8. l9 per monlh $2,872.76 Aggegate Adjustmenl 5(213. l 7) Insurance [7200. Govern ment Recording Tom _ ___ Recording Fun Deed $87.00 Recording Fee Mortgage $8 I .00 General Instructions: Lender Cmdil towards closing costs is N/A Other credit towards closing cosLs is N/A Selle: Credit towards closing costs is N/A Lander Credit for RESPA Cure is NIA Tax Service Fee Paid by Lender NIA These must be reflected independently on lines 204—209 on page l ofHUD-I and Seller credils must also show un lines 506 — 509 on page l ofHUD-I Other Amounts to Collect |Escrow Holdback — I307 —held by agent l ‘ ‘ Other Amounts Dcductcd from Loon Proceeds unmsm Smnmmlrno Shut (JIM) (wummo) ZfiimnolllflJWMMWZBY Pal 1d? ll MMIllWWW“WWWWWW"!WWfl x.l/ SL000131 m “I V. YiifiiflfiQMifimmummlmmluummmmmmmmmmuéi‘umifl 00000000 9/5/2018 9:21 AM 1111111111 mmmmmmmmmmmmmmmmmmmmmmmmmm 00000000 9/5/2018 9:21 AM Loan Terms $426,400.00 15 years 0 months 3.375% $3,022. 16 includes E Principal E Interest D Mortgage Insurance . _ _ n ~ ‘ u ______No. D Yes, it can rise to a maximum of %.The first change will be on _____.__ and can change again , evely after ______.___. Every change date, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower than % or higher than %. ' - E No. D Yes, 1t can rise to a maximum of $ . . E No. D Yes, the first increase can be on ‘ " ‘ ': ': 5' ='i‘- '-. - z“- - 2" a 'and the Monthly amount owed can rise to $ . The " e'ver maximum it can {is_e__to is $ ______~ No.0 Yes, your maximum prepayment penalty is N/A No. D Yes, you have a balloon payment of $ due in 0 years on , . D You do not have a monthly escrow payment for items, such as property taxes and homeownex‘s insurance. You must pay these items directly yourself. '''''' ' You have an additional monthly escrow paymentof$324.77 (hatresults in a total initial monthly amount owed of$3,846.93. Thié inéludes pn'ncx'pél, interest, any mortgage insurance and any items checked below: E Propertytaxes Homeowner’s insurance D Flood insurance D Weather—Related insurance Note: Ifyou have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. 1483131910 Suppiamenl To Sclfloml Agnn! Fee shaol cam (am) 2015072014.Zo.2944~1m140825Y P998 2 ol 2 IIHHNIIUIIIIII H lH l HI HI 11 1111 l1 1|"1111111111"HIWIHIIWI SL000134 9/5/2018 9:21 AM 07/2)I20l5 [46313I910 RESIDENTIAL FIRST MORTGAGE CLOSING INSTRUCTIONS Lender: Closing Agent/Attorney: JPMorgan Chase Bunk, N.A. Servicclink ll ll Polaris Parkway 400 Corporation Drive Columbus, 0H 43240-2050 Aliquippa, PA 15001 (855)2644931 Closer: Krista Whilehair (614)2 l 7-3530 Esuruw Number Tule Number Funder: Kn'sta Whitehair Loan Number: l463|3l9|0 Borrowar Information: 82112115) Names: VINCENT MAJEWSK] Property Address: Mailing Address: 528 NANAQUAKET RD 1180 STATE RD TlVERTON, RI 02873 WBSTPORT. MA 02790 TRANSACTION SUMMARY Wire Amount: Amount: PART I — GENERAL CONDITIONS Thank )‘0u for acting on our behalf as the designated Closing Agent for this transaction. 1n this capacity you will comply with :11] applicable federal, slate nnd local laws. You may not disburse our funds unless you fully comply with all closing instructions. Any changes to these instructions must be made in writing and signed by the lender. These instructions will cover the fees, loan-specific conditions and documents, nnd title reguirements 01' this transaction. Your signature is required an page five (5) to certify compliance with these Instructions. ***Pleasc contact the lender‘s closerlfunder if you have any questions or require any changes!" “$131910 52mm Min cmha hum 66078115 (”15) MW“ (12/11) ”IEDMIIJOZMOUNMY Pan 1 o1 7 11111111"!!!WIll"W"WWIIHHJIWWWW?!1W ~../ SL000135 9/572618 9:21 AM 07121/2015 I46313|910 l. WITHIN 4S HOURS OF DISBURSEMENT 0F FUNDS, Closing Agent mustscnd, by overnight delivery, all documents and ewdencc ofsafisfacliou ofcondilions (fully executed and notarized as applicable) to the address of lhe Lender nolcd belgw. The Closing Agent is required Io provide the Lender wiih executed documean not more than 48 hours following ' fun ing. Chase Records Center Warehouse Intake Mail Code LA4—2153 700 Kansas Lane Monroe, LA 71203 2. Recorded Documents and Title Policies muslbe retumed/fonvnrded lo: Chase Records Center Min: Collateral flailing Documents RE: MC 8000 700 Kansas Lane Monroe, LA 71203 3. Homeowner's and Flood Insurance~CIusingAgemmuszobwin ofiginalyalid policyforhumcowncr’sinsuranceand flood insurance. ifapplicablc. insuring: - Lgndcr as figt lign 395mm; Lender 9 s n ll n nsifi n f a l ”Morgan Chase Bank, NA. JPMorgan Chase Bank, N.A. Its successors snd/or assigns, ATIMA, Its successors and/or assigns, ATIMA, P,0. Box 47020 P.0. Box 47208 Doravllle, GA 30362 Atlanta, GA 30362 4. Refinancing by Original Lender -ln moslcascs, lhelenderw-ill “net fund" Ihe first mungnge peyofl‘amounl oflhc existing loan. When the lender "net funds", yuu will not receive funds From (he lcnderunless the amount oflhe refinance exceeds 1he payoff ofthe existing loan. When the lender does "net fund", you must use the final payoff provided by the lender. lithe boxmwer has an escrow/impuund account and has authorized us to do so, any positive escrow balance will be applied in calculating Ihc final payoff. If lhe bonuwcr has nul so aulhon'zed. cscmw funds will be returned to borrower separately and new escrow finnds must he collected. y: Borrower Identity - Confimm borrower(s) identity at closing by viewing nn original govemmenl issued picture identification or two (2) original allemale proofis ofidenlificau’on (5.6. Social Sccurity card and major credit card). 6. Taxes and Insurance - Collect and pay nll Real asmtc taxas,hnzard insurance premiums, and flood insurance premiums (ifnpplicable) thnt are due between the closing date and the first payment datc and disclosc. on the HUD—l/HUD-IA Settlement Statement. 7. Closing Conditions - Satisfy all condilions noted on Schcdule A - Conditions 10 be Satisfied m or Pn'or lo Clasing. 8. Provider or Servlces - Provider ofServicm listed on the Fee Sheet must match (he HUD] Settlement Stalcmenl. 9 Funds Disbursement - Closing Agent must contacl Lender to confirm disbursemenl of funds on lhe designated disbursement date referenced above. As to rescindable loans, Closing Agent must contact nll consumers wivh rescission rights lo verify 11ml lhcy lmvc nol rcscindul prior lo disbursement. If the loan cannot be senled on 1h: scheduled closing dale above, immediately contact the closer above. Failure lo do go will subjcol your company to payment ofany intercsl chmgm or penalties the Lender incurs during the days that the Lender was not notified. l0. Undisclosed Fees/Unrccorded Payoll's - Closing Agent must notifir Lcndcrin writing ifil has knowledge ofa transaction containing rm unrecorded payoff or fee to a third party personm entity that was not disclosed on the title commitment 0r real estate purchase agreement. Closing Agent ls not aulhofized to close the loan until it has pmvidcd the mquircd notice and received Lender's written approval lo pmcccd. . - ll. Source of Ifimds Closing Agent must notify Lender in writing if it has any reason to believe thnt funds to close or the earnest money deposit may have come from a source other thnn bummer. Closing Agent must not complete the closing without Lender’s written approval. ot' 12. Other ’n'ansnctions - Closing Agent must notify Lender in writing if it has knowledge a closing involving the borrower or a transaction involving the subject propexty thnt occurred within 180 days befme, or is anticipated to occur within 180 days afler, the closing. Closing Agent is not authorized to close the loan until it hns provided Lender the required notice and received Lender's wn'ttcn approval to proceed. 13. Loan may not be consummated before 07/21/2015. lmnwlo San-magmlcmmg hmmmn curiae msnpbmtwu) zmomtuozqummm maze” ll ll fill! fl" lllllllllllflllmm WWill"[WillWWW!ll"! SL000136 9/5/201 8 9:21'AM 07/21/2015 1463131910 PART H - DOCUMENTATION AND SPECIAL CONDITIONS “X“ Within 24 hours ofsenlemem, or fimding for escrow slates, rexum all documents indicated with an (fully execulcd, dated, and notarized) to 11m Lender addrcss noted on Page 1 oflhese instructions. Ifno refemnce is made to the numberof copies, then only the original executed document must b5 rammed to the Lender. (X) MongngeJDced ofTrusl and accompanying Ridcrts) and Schedule(s). We require three (3) stamped Certified True Copies signed by the cenificr. 2. (X) Note/Bond and All Addendnmslmdefls). Original and three (3) slamped Cenified True Copies signed by the ccrfificr. 3. (X) Residential Closing Instructions \vjth Schedule A - Conditions to be Satisfied for Closing signed and dated 1:)! the Closing Agent. ' 4. (X) HUD—l or HUD-IA Settlement Statement. Original and three (3) stamped Certified True Copies ofthe final executed document signed by the certifier. NOTE: PorFHA and VA loans: inscn 1h: FHA/VA case number Io the upper right hand comer ofpagc l 1o the HUD l Settlement Statement. 5. (X) Transfer ofServa'cing Disclosure Statement. 6. (X) Dear Homcowner Latter (Form 6003). 7. (X) Automatic Payment Authorization (C70 I4). 8. (X) Final Truth in Lending Disc1osurc SwlumenL 9. (X) Document Correction Agreement (Form 7022). - 10. (X) Any conditions [isled on ScheduleA Canditions lo be Satisfied for Closing. 1 1. ( ) Notice ofRighl lo Cancel. Must be signed and dated by all panics who have executed the Security Instrument. Bach party entitled to rescind must receive two (2) copies of the Notice ofRight to Cancel in addition lo one copy of the Truth in Lending Disclosure Statement. 12. (X) w.9 Tax form. l3. () Atl documents rcquixed for Consolidated Extension and Modification Agreements (GEM), including alt exhibits and all lender originally recorded documents as required by the CEM Authorization Form. t4. (X) All other applicable state, federal. and lender documents included in this first licn package, including nll applicable FHA or VA documents fully executed and dmcd. 15. (X) FNMA Typed 1003 Loan Application. l6. (X) Original, executed Signamm/Name Affidavit for each borrower. l7. () For Purchase transactions, the on‘ginal, executed MongagorlSeller Certification. 18. (X) Original. executed Tax lnfonnntion Sheet. l9. ( ) See attached addendum. “53131310 Sumflfiamlchuln Mmm Cwnm HIS) um [‘1'“) ”llomld ZOZHRBDHMZAV Page: n17 11111111111111 111 llllllllllllllllllllllll1111111111111111 111111 SL000’137 9/5/2018 9:21 AM 07/21/2015 1463131910 PART III - TITLE POLICY & LEGAL CONDJTIONS Wuhin lo days of recording the Mongage/Deed ofTrust, we require a title policy which mus}: 1. First Lien Position - Insure that our Morigagc/Dced of'mm 1s in first lien pnsilion. Schedule A oflhc tine policy must recite full recording data pertinent lo the Morlgage/Deed of Trust nnd applicable Rider/Schedule. Insure a1! taxes, liens and assessman arc paid. 2. Second Mortgages - Any second mongagds) must bc subordinate w me Lender’s first mortgage lien and must be approved by the Lcndcrprior to closing. Schedule A must recite mortgugc recording data regarding any approved second mortgage. Any second mangagc may not contain a prepayment penaliy clause. 3. Title Insurance - Insure Lender fora minimum oflhe filll mortgage amount. 4. Legal Description - Have the finll legal description conform pxccisely as it appears in the Mortgage/Deed ol'TrusL Closing Agenl muslprcparc and attach lhc lcgal description of lhn counters] property lo lhc Mongagc/Decd ofTrusl. S. Exact Names and Marital Statuses - State thc bormweds) names and man'ml status(cs) exacfly as they appear in the Mongagnchcd of’hust. Ifa spouse is not u cmmoflgagor. the title policy must insure our mortgage is superior in all respects to any and all n'ghts of the non-mongagor spouse. 6. Title Policy Conditions - Include the following standard ALTA Endorsements: () ALTA Form 4 (ifCondon-u'nium) () ALTA Form 5 (irPUD - deMinimis PUD) 0 ALTA Form 6 GIVRM - ARM - 6PM) (X) ALTA Form 8 or 8.1 (Environmental Pxotcclion Lien). ifapplicable () ALTA Form 9 (F1orida) 7. Title Insurance Clause - lnsme the followinginlensk: - ”Morgan Chase Bank. N.A., ils successors and/or assigns, ATIMA - IfFHA, add: "andlor the Secretary ofHousing and Urban Davelopmem, as their interests may appear" v H'VA, add: “and/or lhc Secretary of Veterans Afi'nirs, us their interests may appear" 8. Municlpnl Assessments ~ Insure that all municipal assessments have been paid through the duke ofthe policy. - 9. Ground Rents, ifany lfapplicable, insure that ground rents have been paid through the date ofthe policy and pmpcr notification has bccn made to the lessor regarding our interests. ID. Closing Conditions ~ There can be no exceptions or conditions in the titlcpolicy unless otherwise noted on Schedule A or approved by thc Lender in writing. Any Lender agreed upon exceptions may only remain in the policy provided affirmative coverage is given as follows: This policy afiin‘nativcly insures that nonc oftltc above covenants, easements, ormstrictions have been violated, and thnt any future violations will notresult in n forfeiture or reversion oftitle, or any loss to the mortgagee. - ll. Power of Attorney A Power ofAttomey is not permitted withoulthe Lender's and the Title Company's mitten approval prior to the closing (Lender will make notations on "Schedule A - Conditions '1b Bo Satisfied for Closing"). The Closing Agent must provide n recorded Power ol‘Attomcy and evidence that the Title Company is insuring over the Power of Attorney (and confirmation. for VA loans. thc gmntor is alive). The Power of Attorney must bc a ccnificd true copy. signed by the certifier, and recorded before the Dccd orthe MongagelDeed ol'Tmst The Power of Attorney must be specific to thc transaction. A11 signatures must conform exactly to the mongage/dccd of trust and the notc/bond. lZ‘Homeowner's Association dues. ifany - Insure the Homeowners Association fees are current. l3.Ncw Construction Loan's Notice at Completion - You are authorized to record the Notice ol‘Completion upon receipt. DO NOT ISSUE THE FINAL POLICY AT THAT TIME. Final Tttlc Policy to be issued upon recordation of modification agnemcnt to be provided at a later date. 8mmWCMWm H&JIJIDIO CBMBM (Illnnplm (RIM) mtwmlomwnfluuv P’wlctl 1111111111111111111I 1 11111“ 11111111111111111111111 SLOOO'I 38 9/5/2018 9:21 AM 07/21/2015 1463131910 l4. Insurances - Hazard Insuranqe ~Thc hazard insurance policy mus! havc an efl‘eclivc dale from lhc closing dale through the first payment date and insure the Lender for not less than l00% ofthe insurable value of file improvements as cstablishcd by flle insurer OR mplacemcnt cost coverage (or similar language) as slaied on [he declarations page. (The replacement cos! valuc is (h: insurer’s estimalc oflhc cost to replace a home, excluding the land value). In addition, the policy may nol exclude Wind Coverage or supplemental insmnnce will bc required. Flood Insurance - Ifmquired, there must bc evidence of flood insurance lhai adequately covers the Lender for the lower oflhe mortgage amount bul ul lens! 80% oflhcinsumblc value as defined by the hazard policy, ‘he maximum amount ofcovemgc available Ihmugh lhc NFIP. OR replacement cost coverage (or similar language) as slaled on the declarations page. An application for a policy accompanied by a paid receipt for the annual premium is acceptable. PART IV - SETTLEMENT AGENT CERTIFICATION I certify (hut: l. l have settled this loan in accordance with all pages oflhese instructions. 2. A current insured closing Icucr or indemnification letter is on file with thc lender. 3. I have provided, ifrequesled by tho borrower. the HUD-I/HUD- 1A Settlement Statcmcnl with all available closing/sculcmenl figures to the borrowers for lheir inspection one day preceding the closing/selllcmenl. 4. In accordance with applicable law, 1 have completely and accumlely disclosed 0n (he HUD-l/HUD-IA all fees and charges incurred by borrower or seller (including fees received by all closing ngean or attorneys for the panics). as well as the puyor and Iccipient ofsuch fees Gndicaling POC, where applicable). I have notified Lender in writing ofany changes in fees, or the payor or recipienl lhcicof, from the initial to final HUD-l . 5. Where l have collected e separate fee for the purpose ofattending the closing. the fee is permitted by stntu law and docs not exceed the amount listed on the last page ofthesc instructions as fee #110] or #l l l l . I UNDERSTAND THAT ANY VIOLATION OF THESE INSTRUCTIONS MAY RESULT 1N A CLAIM BY TIE LENDER AGAINST THE TITLE INSURANCE COMPANY WHICH ISSUED THE INDEMNIFICATION LETTER. Settlement Agent Datc HWDJWW mmnlumlmm hstvch'uu CwIBRR WIS) ttpmt “2"“ NDOHUXLZU ZWJZOHNEY Pop 5 oi 7 fill lllfl ll Mllllllllllllllllllllllllllllllllllhlllllllllll"ll!l SL000139 9/5/2711 8 §§2‘1 AM a.~ FEESHEET Loan Number: Borrower nnd Property Information: _ 1463 1 319i 0 VINCENT MAJEWSKI Closing Date:OWZI/ZOIS Funding Date:O7/Zl/2015 528 NANAQUAKET RD TIVERTON. RI 02878 Loan Cbnrnntcristlcs: Closing Agcnf/Aflomcy: Scrvicclink lntcrcsl Rule: 3.375% Term: 180 r 400 Corporation Drive Major Type: ConventionaI/FNMA 15 YR Fixed High Balance Aliquippa. PA 1500] Escrow Number (8532644931 Title Number Changes are not permitted by the Closing Agent or imy other party to the closing instructions, any forms or fees without the Closer's approval. Any changw must be made in writing and signed by me lender. Contact ‘ the Clgser immediately if changes arc required. The Closer must receive and approve lhe unexecuted HDD-llHUD-IA Settlement Statement prior lo closing or prior to customer signing the documents for escrow states. Authorimfion to Close will not bc granted without HUD-l approval. l A HUD-l Settlement Statement (a HUD-IA for Refinances) must be used l'or all loans and must show: . -All correct prayidcrs ol' services as shown on the Fee Sheet page" 'Correcl HUD-l llne numbers as directed by the Lender ~Be fully executed by all parties vBe In compliance with the rcqnircmcnb of RESPA and HUI) Regulation X -lf FHA or VA Loan, all charges must conform to FHA/VA requirements RESPA requires that the BROKER COMPENSATION paid by Lcndcr bc discluscd on (he finnl HUD-J ln the manner described. This includes the "Mofigage Broker Fee". "Loan Discount Paid to Broker" and the "Yield Spread Premium ta Broker". *** When .1 first mortgage is closing simultaneously with n suborfllnnle lien loan, the lender requiru a separate HUD-l/HUD-IA be completed for each transaction. Exceptions are not purmltted.*** FEE SUMMARY Mortgage Amount S 426,400.00 Buyer's Charges s 4,003.06 Seller's Charges $0.00 Additional thsldyl Good Faith $ 500.00 Funds ~- Total Fees Dcductcd S 4,503.06 WirelCheck Amount S 422,396.94 MONTHLY PAYMENT Prlnclpnl and Interest: $3,022.|6 Taxes: £718.19 Hazard Insurance: $106.58 To BE USEDW PMl/MIP: —-—-——— l-‘lood: Date: Weathcr Related: Confirmed with: Total: $3.846.93 Closed: DNC: Initials: Imlllfim Brflumnxlovl Chang Irdnxsau WIRE (lllilmfllms (121") ZOIwml-llnflwiflumay PAgv 8 DU ll fill! llllllllllllllll lll!Hlll‘lllmllmlflfllllflllllllllllllllllllllfllllllllllll l SL000140 9/5/2018 9:21 AM 0701/2015 I463l3|910 SCHEDULE A - CONDITIONS SATISFIED FOR CLOSING The following conditions are outstanding on Ibis loan and must be satisfied in conjunction with the loan closing. Please submit these documents or proof of satisfaction with the closed Joan package. Changes nre not permitted by the Closing Agent or any olher party without the Closer's approval. Any changes must he made in writing and signed by the Lender. l. Sellcror lntcmcted third party payment ofclosing costs. prepaid items, and discount paints may no! exceed the lesser or actual cosh or 6 percent / $33,300. 2. All borroxverfs) must complete, sign and dme nn IRS Form 4506-? at time ofclosing. 3. Evidence the Real Estate taxes forthe borrowets current residence (l 180 Slaw Rd, Westpon, MA) do not exceed 3773/1110 / filc to be Icmmed lo UW with supporting docs; iflhe property taxes cxceed this amount 4. Chase Io ensure Borrowers funds to close not lo exceed $159,248.94 5. Title Commitment lo be issued w‘nh no Iions,judments. or delinquent taxes against the prupcxty orborrower(s). 6. Settlement Agent to have the Acknowledgment of Receipt oprpraisal Ianusfion farm signed a! close. 7. GFE PAGE 0F THE HUD: Please ensure the GFB page of thc HUD—l und Loan Terms match the closing instructions exactly. lflhe SeulememAgcnl does nol have the capability to complete [he GFE page in accordance wilh our instructions. me' mconeclvalucs should be crossed out. lha come! values wrincn in. and Ihc changcs initialed by ell borrowers. 8. Pluasc send HUD forapproval before signing lo CLOSER: KRISTA WHITEHAIR Email: krisla.I.whilehair@jpmcl\ase.com. Fax# 1-866-42l-75 l3, Phonefl 614—217-3530 9. Please verify all tax information with lhc taxing authority. lflha tux bi" has bcen released and the due date is within 30 days of the closing date, mxns muslbe collected nt class. ESTIMATED TAXES CANNOT BB COLLECTED AT CLOSE. 10. INSURANCE: D0 NOT PAY PLAZARD INSURANCE AT CLOSE. Please list $1279 as POCB on line 903 to United Property 8c Casualty Ins. ll. At dosing, provide the borrower(s) wilh n finalized copy ofthe Uniform Residential Loan Application (Freddie Mac 65IFannic Mae 1003). 12. Chase to review and approve the HUD~1 settlement statement. prepared by the settlement agent before any funds can be disbursed. ”6313“” EuumcmlwentclomWmm CNHRR (11“ij (12/11) NIwflON ZDD‘I-4201!me Pqn'le" Ill!!! lilliimillliliiiilIWIWHWWIIiIIllilliillillfllilillmi N SL000141 9/5/2018 9:21 AM Signing Agent Fax COnfirmation Sheet Borrower(s): VINCENT MAJEWSKI and REBECOA Order No: 28966871 MAJEWSKI Closing Coordinator: JANET TANNER Phone No: (800) 777-8759 Extension: 23024 ATTN: CLOSING AGENT AFTER CLOSING, PLEASE FAX THE FOLLOWING DOCUMENTS TO: 866—497-3801 REFER TOTHE 1ST PAGE OF THESE lNSTRUCTIONS ***Servicel_ink must have this information to verify that the documents ha ve been signed oorrectly*** ***Do Not disburse funds until you are contacted after ServiceLink confirms receipt of this fax"** an... SL000142 9/5/2018 9:21 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECCA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKl-POOLER ADDRESS: 528 NANAQUAKET RD TIVERTON Rl 02878 All terms ofthe sales agreement have been met or waived to the satisfaction of the Buyer and Seller for the abOVe- mentioned property. Tax, assessment. and bond proralions shall be based on the last known bin or upon me tax assessor‘s and the latest valuation current tax or assessment rate. and shall be prorated at the time of closing. If it is common practlce local andlor custom to have no prorations at the closlng, there shall be no prorations. There will be no re-proration or E readjustment oftaxes based on actual statements after the date of closing. The seller represents that it has no knowledge, actual or constructive. as whether or not a homestead exemption applies to the property. This paragraph shall supersede and ovem'de other any clauses or statements in (his agreement that concem assessments orbonds. faxes, // arm 7M: VINCENT MAJEWSKI Date 744/7 Q4EARL POOLER Date . //)/V 7P1} r?“ 4/a’t/ RE§EC§A MAJEWSKI f Date WV pf NINA SZULEwgkl-POOLER Date l. THIS DE: DAY 0F: m\\v .2013; \/\r\C@,\T Mfigcw&K: N-VARYPUB W- ' Q? Loam» Mahatma MY COMMISSION E RES: q )QIPW t” qu .wtnmhg "9%” k“$‘- AJfi-HW ’\—-'\."\ A ° WILLIAM E. PAPLAUSKAS JR Notary Public ALA; State ot Rhoda Island NotarytD # 52085 vvv My Commisslon Expires Sep 8. 2015 VW‘N—fi".ft. vv v V .v SL000143 9/5/2018 9:21 AM ALL TERMS MET BUYER: VINCENT MAJEWSKI and REBECOA MAJEWSKI SELLER: EARL POOLER and NINA SZULEWSKl-POOLER ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 AH terms of the sales agreement have been met or waived to the satisfaction of the Buyer and Seller for the above- mentioned property. Tax, assessment, and bond proratlons shall be based on the last known bill or upon the tax assessor's latest valuation and the current tax or assessment rate, and shall be prorated at iha time of closing, Si it ls common practice andlor local custom to have no proratlons at the closing, there shall be no proratlons. There wilt be no reproratlon or readjus‘mem oftaxes based on actual statements afler the date of closing. The seiler represents that it has no knowledge, actual or constructive. as whether or not a homestead exemption applies to the property. This parag/aph shall supersede and override any other clauses or statements in this agreement that concern taxes, assessments or bonds. j/ eff.“ 7/6 1/” VINCENT MAJEWSKI Date EARL POOLER Date 47f” 191:5” . ' REB/ECCA MAJEWSKI Date NINA SZULEWSKl-POOLER Date -TH|S 0;; W .- .20 Dig: DAY i S \)\r\cc~\7 MEACOLMKI cwskt o“) Qé (ode ear mo? X t’“ MY COMMISSION RES: q 19pm 1 \VAHAAM E “fiklkmgx. A a r A_Ia mmu’nvv WILLIAM E. PAPLAUSKAS JR. g Notary Public ‘ State of nhode Island ‘ vvvvv Notary m a 52035 t My Commission EXpIres Sap B. 2015 WWERr-"W'R~ :1 P“ f . n.» _-/ SL000144. 9/5/2018 9:21 AM BUYER/SELLER PRIMARY MAILING ADDRESS STATEMENT Occasionally, ServiceLink will need to contact either the buyer or seller after the closing. Please print below your new primary mailing address. BUYER(8): Please provide the address to which the Owner’s Policy of Title Insurance from this loan is to be sent (”HL Buyer(s) Name: M MGSCMA léfi g‘h‘i‘c Address: ["90 (11.) WO’J’i‘IDI/IJ' m6} 00090 Phone: V508 “(97/~/00q SELLER(s): . . Please provide the primary address to which any additional documents are to be sent Seller(s)Name: A.)/4)/% SZU/uia/SKF l/Drwfo/L Address: 450 NEW» 3T. azon/ 3255/ fad, 21m, m4 0&426 Phone: %/‘ 4g7’ /509‘ Thankyou in advance for your cooperation SL000145 9/5/2018 9:21 AM . ._\ BUYERISELLER PRIMARY MAILING ADDRESS STATEMENT Occasionally, ServioeLink wlll need to contact either the buyer or seller afierthe closing. Please print below your new primary mailing address. BUYER(s): Please provide the address to which the OWners Policy of Title Insurance from this loan Is to be sent A C (0f Buyer(s) Name: M Mi} wax {cl Addressz' 1’90 @wd‘c (1L) WWII}; Ma 09090 “ Phone: 6&8 (99/~/00q SELLERM: Please provide the primary address to which any additional documents are to be sent Seller(s) Name: Address: Phone: Thank'you in advance for your cooperation SL000146 9/5/2018 9:21 AM Bgrmwgfls) Identifigatign gggment IWilli m E . I 5k -. r. the underslghed Notary Public commissioned in and the State of A by 1) '9 made a visual. inspection of the borrower(s) Federal and/or S’ate ‘ photo Identification w Ich i rther referenced below. The document appears to be genuIne and the photograph on the document appears to be that of the individuaKs) named. It appears that the name on the identifiatIOn document matches the name on the loan documents. It appears that each borrower looks like hls/her photographic image'and ft also appears that each signature matches the signature on the loan documents. Thls Information and copy was obtained at the request of the Lender, Mortgage Broker, Title Company and/or Signing Company and has been attached to this document. The borrower(s) Identification was presented and the Information was recorded as follows: Borrower/Owner [Signer (1) Name: /]/r/J C M F E mg omi‘Ct‘ \) Type arm: mm meme -_oate or am ~- Issuing State and Agency: mDMV Address on ID matches Progeny Address; Yes gNb Date Issued: 91 \1‘3/25/ W Expiration Date: 82R??? 5' Address on ID does not match Property Address. Sefiaddress below: ' ‘t \ 8 0 SM‘VC waged “yer mew ~ bar Borrower/Owner/Signer(1) Signature:/ k fé—‘fi Bormwer/Owner/SigneriZl Name: b c Majpfiwsld" Type of ID: Driver’s License # a fi i Date of Birth: ' Issuing State and Agency: RIDMv Address on ID m ches Pro e Address: Yes No g Date Issued: C1 17%5742'] K1” Expiration Date: %/\4/‘2f¢L? Address on ID does not match Pr0perty Address. See address below: DngO—cu: IVyL M' . / ~ @0372.” Pm; m2 w \ B rower Ow r/Signer(2 Signature: 7?” AV V/é/ / Nolarys‘ea/ Notary Public q ,‘_" M“-J\A"Hg W fifi u 1 WILLIAM E. PAPLAUSKAS JR. Jr. William E Paplauskas 1 Notary Public Slate 01 Rhoda Island t Notary ID # 52055 ' Z' M ca i 1 méew5225§e23¥fi¥°15 “'va SL000147 9/5/201 8 9:21 AM 3L000148 " 9/5/20189:21AM LENDER: JPMORGAN CHASE BANK . BORROWER(S): VINCENT MAJEWSKI and REBECCA MAJEWSKI PROPERTY ADDRESS: 528 NANAQUAKET RD TIVERTON RI 02878 LOAN N0: 1463131910 ERROR AND OMISSIONS l COMPLIANCE AGREEMENT I" STATE RI OF . COUNTY OF NEWPORT The undersigned borrower(s) for and in consideration of the above-referenced Lender fundlng the closing of this loan agrees. if requested by the Lender or Closing Agent for the Lender. to fully cooperate and adjust for clerical errors. any or all loan closing documentation if deemed necessary or desirable in the reasonable discretion of the Lender to enable the Lender to sell, convey, seek guaranty of market said loan to any entity, Including but not limited to an investor. Federal National Mortgage Association, Federal Home Mortgage Corporation, Government National Mortgage Association. Federal Housing Authority or the Department of Veterans Affairs. or any Municipal Bonding Authority. The undersigned borrower(s) agree(s) to comply with all above noted requests by the above-referenced Lender/Closing Agent within 30 days from the date of mailing of said requests. Borrower(s) agree(s) to assume all costs including. by way of illustration and not limitation, actual expenses, legal fees and marketing lesses tor failing to comply with correction requests in the above noted time period. The undersigned borrower(s) do hereby so agree and covenant in order to assure that this loan documentation executed this date will conform and be acceptable in the marketplace in the instance of transfer. sale or conveyance by the Lender of its interest in and to said loan documentation, and to assure marketable title in the said borrower(s). DATED: /21/2015 4/”— WA‘ VINCENT MAJEWSKI REBECCA MAJEWSKI ethistdayoigmM / .'>‘¢’i t” . la My Commission Expires: 2 1v q .m. . .-\WJ\J\/\_M-Jk 4 WILLIAM E. PAPLAUSKAS JR. Notary Public 4 vvvv. State ot Rhnde tsiand I‘ Notaiy ID # 52085 t My Commission Expires Sap 2015 vmm’v v v WYa. SL000149 9/5/2018 9:21 AM UPDATED SHIPPING INSTRUCTIONS: ALL DOCUMENTS NEED T0 BE RETURNED TO SERVICELINK IMMEDIATELY AFTER THE CLOSING. SHIPPING l8 Return A UPS LABEL BEING PROVIDED BY SERVICELINK AND ENCLOSED FOR YOUR CONVENIENCE. ServlceLink 400 Corporation Dr., Allqulppa, PA 15001 Attn: JPMORGAN CHASE Closings Document IF THERE IS NO SERVICELINK SHIPPING LABEL 0R THE DOCUMENTS CANNOT BE RETURNED THE SAME DAY AS THE CLOSING, CONTACT YOUR SERVICELINK REPRESENTATIVE. NOTE: The previous UPS shipping number ls being discontinued. If the closlng does not take place for any reason, please contact ServiceLink Immediately at (800) 777-8759. Cell Phone, if Closing GoordinatorlExt. agplicable Contacts JANET TANNER/23024 724-263-7490 HEATHER CARTWRIGHT Fax: 866-497-8801 Remember - Faxed statements will NOT be processed. Only original. signed statements received via mail or courier service wiH be processed. Do not include individual bins with the ciosing package documents —- they 'will be discarded. Please use your customized SERVICELINK Monthly Billing Biiling Statement to bill us once for the entire month‘s signings. Any document(s) We request your office to prepare will be paid through the closing as an individual line item on the HUD. Please do not bill for this. Review the HUD Settlement sxatement for any Doc Prep Fees for your office, please call SERVICELINK with am discrepancies. #VWTHE SIGNING INSTRUCTIONS / 24%) Signing ; /éDatQM Witness A97” PLEASE BE SURE TO RETURN THESE SIGNED INSTRUCTIONS WITH THE SIGNED DOCUMENTS x J SL000150 9/5/2018 9:21 AM Signing Agent lnstructiofis sign,” Agent WILLIAM E PAPLAusxAs. JR Agent Fax No: Closing Date: 7/21/15 Order No: 28966871 Closing Time: 11:00AM Bonowaus): VINCENT MAJEwsxl and REBEccA'MAJEWSKI JPMORGAN CHASE BANK Closings Aflontion Wllness Slgnlng Agents. Please read all aflacned gage; carefully grlor to the closing aggolntmem. You wm b0 responsible for any errors and may havo your fee reduced for lhls closing. Be sure all documems have been signed, notarizeg and witnassed aggrogrlately and you have collgcled all Items notgd belgw from the borrowms). ili You have been contracted 10 WiMess a PURCHASE dosing on behalf of SERVICELINK for this JPMORGAN CHASE BANK loan closing. You are no! to ac! as lggal counsel on behalf of the borrowads). nor are you to glve advice regarding lhe terms, conditions or conlen! of the loan documents. Ali questions relallng {o (he loan documents MUST be directed 10 JPMORGAN CHASE BANK Responsi JPMORGAN CHASE BANK will prepare all the documenls with the exception of lhe HUD, Owners Affidavit. ServlceLlnk’s Compilance Agreomanl, Privacy Policy, All Term Aflldavll, lnspecllon Walver. survey Waiver and 1099 and any documents indicated on the following Usl. whlch SERVlCELlNK will prepare. All questions regarding the content of the documents, wilh the excepllon of the documents prepared by SERVICELINKneeds to be directed lo JPMORGAN CHASE BANK Agent Please fax a copy 0t the following documents to SERVICELlNK. Attn: JANET TANNER at 866-497-3801. Mortgage Deed Truth-ln-Lendlng Note Hnd Copy of funds brought to table Stop] The tollowlng persons must be present at the signing: Buyers: VINCENT MAJEWSKI and REBECOA MAJEWSKI Attendees lf any person llsted abova Is not present at the slgnlng, you must contact lmmedlately. ies Stop] Should the bormwer(s) be required to bring funds to the slgning. All checks need to be made to SERVICELINK. All checks need to he lorwarded wlth the loan documents directly ili payable back to SERVICELlNK vla UPS. (SERVIGELINK, 400 Corporatlon Dr., Athuippa, PA 15001). Any funds over $500.00 must ba ln the form ot certified funds, cashier's check or money order. Amount the are to provide at closing: Refer to llne 303 of the Borrower borrowens) HUD. Responsi Stop} The following items are to be provided by or slgned by tho borrowers at closing. lf the borrowers DO NOT provlde them. please contact SERVICELlNK lmmedlalely. Borrower to provlde photo ldenlitlcation <0 SL000151 9/5/2018 9:21 AM ‘q :- E ‘” " 9 Doc: amom" E": ‘é‘g 24:: 5.546%? 5 IL :- ‘z’ m 3% '5:O l“. “Jo b om O 9,2 c3 “55 3 WARRANTYDEED fii We, EARL POOLER and NINA SZULEWSIG—POOLER, 0f the Town of Tiverton, County of Newport, State othode Island, (the “Grantors”), for consideration in the amount of Five Hundred Fifty Five Thousand and 00/100 Dollars ($555,000.00) the receipt and sufficiency of which is hereby acknowledged, do hereby grant to VINCENT MAJEWSK] and REBECCA MAJEWSKI, of the Town of Westport, County of Bristol, State of Massachusetts, (the “Grantees”), as Tenants by the Enfirety, with warranty covenants, that certain lot or parcel of land, with all the buildings and improvements thereon, located in the Town of Tiverton, ‘ County ofNewport, State of Rhoda Island which real property is described on “Exhibit A” attached hereto and incorporated herein by reference: For reference purposes only, the premises is designated as 528 Nanaquaket Road, Tiverton, Rhode Island 02878; Tiverton Tax Assessor’s Plat 403 Lot I67 as presently ~ constituted. Grantors hereby coxénant that no withholding is required as they are residents of Rhode Island in compliance With RJ. Gen. Laws § 44-30-71 .3, as evidenced by affidavit. Said premises are conveyed subject to taxes assessed December 3 1, 2014. IN WITNESS WHEREOF, Grantors have signed, acknowledged and delivered these presents this day of July, 201 5. Bari Pooler STATE OF RHODE ISLAND .f COUNTY OF x 0 l In "EN BETWQ on the IO day of July, 2015, before me personally appeared Earl Pooler, to me known and known by me to be the party executing the foregoing instmment and acknowledged said instrument by him to be his free actl ‘h’i,’ I Notary Public: 1&4 H t 7W, Esq . ’ Notary Public Number: q S'w 0 55 My CommissionExpires: Dam H ( 2D 1?. Page 1 of2 SL000152 9/5/2018 9:51 AM ‘ upp l7 r. ._-. wal B” 15% P“ wag, MELLD 1mm CLERK 35 w). 2252015 mm flaw flfi omgaw Nina Szulewski-Péfir ~ STATE OF RHODE ISLAND COUNTY OF 'Tl In W’lfi) on the 1.0 day of July, 2015, before me personally appeared Nina Szulewski-Pooler, to me known and known by me to be the party executing the foregoing insuument and acknowledged said ins’uumcnt by her to be her free and deed. ‘ \ :ct 44a;- Norm sz w Com . Esq. Notary Public Number: 4390 gg My Commission Expiresmbecfl 20 l 7 E H ( GRANTEE MALUNG ADDRESS: .' ’ 5’22 NANAQMKEI‘ flD TWEflTmU k l I 02%;; Q Page 2 of 2 SL000153 9/5/2018 9:21 AM DOC: 130001.755 Bki 154$ P9: 3? Return To: Cha Records Center Attn: Collateral T iling Documents RE: MC 8000, 700 nsas Lane - MonrOe LA 71203 Prepared By: Krista Whitehair 1 l l l Polaris Parkway Columbus, 0H 43240 a ?>Cx‘www Chiwgo Tiue SarvioeLink Division 4000 lndustn’al Blvd Aliquippa. PA 15001 .f Mortgage Definitions. Words used in multiple sections of this document arc defined below and other words are defined in Seciions 3, 11, 13, 18, 20 and 2L Certain miss regarding the usage of words used in this document are also provided in Section 16. " is 21 together with all Riders (A) ”S'ecm'ioilnsrmmen/ means this document, which dated July , 2015, to this document. (B) "Borrower” is VINCENT MAJEWSKI AND REBECCA MAJEWSKI, Husband and Wife . Borrower is the mortgagor Under this Security Instmmem. organized (C) "Lender" is JPMorgan Chase Bank. N.A.. Lender is a National Banking Association and existing under the laws of the United States. Lendefs address is 111 l Polaris Parkway. Floor 4.1, this Columbus, OH 43240 , Lender is the morfigagee under Security Ins‘mmem. " 2015. stares (D) “Nale means the promismry note signed by Bon'ower and dated July 21, Tthote thatBorrower owes Lender four hundred twenty six thousand four hundred and 00/100 Dollars (U.S. 1463131910 , RHGDE lSLANW/Igla FaanU-Fannio MaelF/sdflin Mm: UNIFORM INSTRUMENT Form 30-10 1/01 (luv. 1II02) oaII-I VMPF) lnifial' J..'—-.Q Page 1 o! 17 20150720142a2944-120140028Y . M Wallets Klmm Finandal SoMoes ( HHIWHWMH INN HHHWUIIH NH ll IT! I l "UN l! NWMUWWHHHNJW SL000154 9/5/2018 9:21 AM Dflt: onmmas CN' flu 154a pg; C0 $42 6,4 00.00) plus interest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2030. ” (E) 'Qbmpmy means the property that is described below under the heading "Transfer ofRights in the Property." (F) ”Loan” means the debt evidended by the Note, phls interest, any prepaym ant charges and iate charges due Under the Note, and all sums due under this Security Instrument, plus interest (G) ’Rz‘dem "means all Riders to this Seoun‘ty Instrument that are executed byBoITOWcr. The foliowing Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D CondominiumRider D Second Home Rider U BalloonRider D Planned UnitDevelopmentRider D 1-4 Family Rider El VA Rider El Biweekly PaymentRider El 0ther(s) [Specify] " (H) "Applicable Law means all controlling applicable fédaral, stale and local. statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealablejudicial opinions. ” (I) "Community Association Dues, Fees. andAssessmenls means all dues, fees, assessments and other charges lhat are imposed on Borrower or the Propcny by a condominium association, homeowners association or similar organization. (J) “Electronic Funds Yi'ansfer" means any transfer offimds, other than a transaction originateci by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic fnstxument, computer, or magnetic tape so as to order, instruct, or authorize a financial institutim: to debitor credit an account. Such term includes, but is not limited (9, point-of—salet transfers, automated tellermachine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse ' transfers. " (K) "Escmw Iiems means those items that are described iu Section 3. " (L) "Miscellaneozls Proceeds means any compensation, settlement, award ofdamages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section I'he 5) for: (i) damage to, or destruction of, Propetty; (ii) condemnation or other taking ofall or any part of the Pmperty; (iii) conveyance in lieu of condemnation; or (iv) miSrcpresentations of, or omissions as 10, the value, and/or condition 0f the Property. ” (M) "Mar-Igage Insurance means insurance protecting Lender against the no npayment of, or default on, the Loan. " (N) 'Teriodic Paymen/ means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. ” (0) "RESPA means the Rea] Estate Settlement Procedures Act (12 U.S.C. Section 260] ct seq.) and its implementing regulation, Regulation X (l2 C.?.R. Part 1024), as they might be amended hum time to time, or any additional or successor legislation or regulation that governs the same subj ect 145331910 RHODE lSUND-Singln Family-Fannls MaelFmMo Mac UNIFORM INSTRUMENT Fcrm 30w 1w! (lav. min) WARE- DSIN Walleys Klumv Flnanelal Services 2015072014.2.02544-JZD140828Y Initials: M'Page 2 ol )7 lllllllllllllllllllUllllll Ill” llllllllllJllllllHl lllllllllllllll __/ SL000155 9/5/2018 9:21 AM DOC: UBi‘ICIiTISE Bk: £546 P5: matter. As used in this Security Instrument, RESPA refers to all requirements and restrictions that are imposed in regard Lo a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interesr ofBorrower" means any party that has taken title to the Property, whether or not ihat 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: (i) the repayment ofthe LOan, and all renewals, extensions and modifications ofthe Note; and (ii) the perfomlance of Borrower's c0venants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with Mortgage Covenants upon the Statutory Condition and with the Statutory Power ofSale, the following descn‘bed property located in the COUNTY [Type of Recording Jufisdicfion] “Newport [Name of Recording Jurisdiction]: See Attached Parcel ID Number: 403~l 67-000 which currently has the address of528 NANAQUAKBT RD [Street] TIVERTON [City], Rhoda Island 02878 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures 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 lo in this Security Instrument as the "Propefly” BORROWER COVENANTS that Borrower Is lawfully seised of the estate hereby conveyed and has the right to mortgage grant and convey the Property and that the Property'is unencumbered, except for encumbrances of record. Bouowcr warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY D‘ISTRUMENT combines uniform covenants for national use and nonmniform 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 pn'ncipal 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 U.S. 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 ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon 2m institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments aredocmed 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 o: partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the 146313191 0 RHODE lSLAND-Sinale Famity-Fannto MaBIFwddle Mac UNLFORM INSTRUMmT Farm 3040 1/01 (ray. t1r02] VMF® 03/1 4 Woven Khmer finnnu‘al Services 201 5072014.:0194-14201 JDBZB’Y Initial: 'm M‘Paga 3 01 17 HWWWN “M m Wt WlIWMIWH W WWWW m H m SL000156 9/5/201 8 gzzmm— M2: Dfi001755 tit: 1546 Pg: 4f} Loan current, without waivar of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated lo apply such payments m the u'mc such payments ate accepted If each Periodic Payment'13 applied as of Its scheduled due date, then Lender need not pay intbrest on unapplied funds. Lender may hold such unapplied funds until Borrowar makes payment to bring the Loan current. IfBonower does not do so within a reasonabIe peu‘od ofu'me, Lender shall either apply such funds 01 retum them to Borrower. Ifnot applied earlier, such funds will be applied to the outstanding pnincipal balance under the Note immediately prior to foxeclosure No offset or claim which Borrowar might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instmmentor performing the covenants and agreements secured by 1his 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: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment m the ordcr'1n which 1t became due. Any remaining amounts shall he applied first to late charges, second to any other amounts due under this Sccunty Instrument and then to reduce the principal balance of the Note. IfLendcr receives a paymentfiom Borrower for a delinquent Pen‘odic Payment which includes a suflicient amount to pay any Iatc 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 111 full. To the extent that any excess exists after the paymentis applied to the full payment of one or more Pen'odic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. ‘ Any application ofpayments, 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. Bou'ower shall pay to Lender on the day Periodic Payments are duc under the Note, until the Note is paid 1'n full, a sum (the "F1111ds") to provide for payment ofamounts due for: (a) taxes and assessments and otheritems which cam attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments 01‘ ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, ifany, 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 requ ire that Community Association Dues, Fees, and Assessments, if any, be escrowed by Bonower, and such dues, fees and assessments shail be an Escrow Item. Borrower shall promptly fumish to Lender all notices of amounts to be paid under this Section. Bonower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower’s obligation to pay the thds for any or all Escrow Items. Lender may waive Bonower's obligation to pay to Lender Funds for any or ail Escrow Items at any time. Any such waiver may only be in writing. In the event ofsuch waiver, Barrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment ofFunds has been waived byLenderand, ifLender requires, shall fumish to Lender receipts evidencing such payment within such time period as Lender “$313 1 9 lD RHODE lStAND—Single Famfly-Fann’c Maa/Frsddia Mac UNIFORM INSTRUMENT Form SD40 1/01 (rev. 11/02) VMPQ ’m 08/14 Walters tower Financial Services 20150120 l4.20.2944~!201~t0823Y Initials L_m- Faun 4 of 17 WW W WW WWWWWWW W W SL000157 9/5/2018 9:21 AM- DDC: 001301755 Bk: 1546 Fa: 41 may require. Bonower'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 agreement” is used in Section 9. IfBorrower 1's obligated to pay Escrow Items direcfly, 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 Sccfion 9 k0 repay to Lender any such amount Lender may revoke the waiver as to any or all Escrow Items at any time by a natice 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 (a) sufficient to pennit Lender to apply the Funds at the lime specified under RESPA, and (b) nol 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 ofexpendx'rures offumre 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 instifution whose deposits are so insured) or in any Federal Home LoanBank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge BorIOWer forholding and applying the Funds, annually analyzing the eScrow account, or ven’fying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pennits Lenderw make such a charge. Unless an agreement 'zs made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Boxrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shalt give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus ofFunds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess fimds in accordance with RESPA. Ifthcrc is a shortage ofFunds held in escrow, as defined ‘ under RESPA, Lender shall notify Boxrower as required by RESPA, and Borrower shall pay to Lander the amountnecessary to make Up the shortage in accordance with RESPA, but in no more than,12 monthly payments. If there is a deficiency ofFunds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary Io make up the deficiency in accordance with RESPA, butin no more than 12 monthly payments. Upon payment in filll of all sums secured by this Security Instrument, Lender shah promptly rcfimd to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay a1) taxes, assessments, charges, fines, 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 promptly disoharge any lien which has priority over this Secun‘ty Instrument unless Bonower: (a) agrees in writing to the payment Othe obligation secured by the h‘en in a manner acceptable to Lender, but only so long as Borrower is petforming such agreement; (b) contests the lien in good faith by, or defends against euforcem ent ofthc lien in, legal proceedings which in Lender‘s opinion operate 1463131810 RHODE ISLAND‘Singlo FAmfly-Fannla fJas/‘Ffeddle Mac UMWRM (NSTRUMENT me 3040 5/01 (rev $1102) VMPQ OaII-l Wallets Kluwc! finnndal Sawhes 2015072014.2.O.294442014052“ lnifials:,.__—.MPaua 5 u! I7 05 'lllllll llllllllllll Illlllllll ll lllllllllHllllllllllllll llilllllllllllllllllllll l l SL000158 9/5/2018 9:21 AM DOC: UDDI'JNSS Bk: 1546 P93 to prevent the enforcement ofthe lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder ofthc lien an agreementsatisfactory to Lender subordinating the lien to this Security Instrument. IfLender determines that any part of the Property is subject to a lien which can attain pfiority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days ofthe 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 verification andlor reporting service used by Lender in commction with this Loan. 5. Property Insurance, Borrower shall keep the improvements now existing oz hereafter erected on the Property insured against loss by fire, hazards included within the term “extended coverage,“ and any other halards inchzding, but not. limited to, earthquakes and floods, for which Lender requires inwrau ce. 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 subjectto Lender‘s right to disapprove Borrower's choice, which tight shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certificatiOn and tracking sewices; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. 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 flood zone determination resulting from an objection by Borrower. IfBoi-rower fails to maintain any ofthe coverages descxibed above, Lendermay 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 effecL Borrower acknowledges that the cost ofthe insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt ofBorrower secured by this Security Instrument. These amounts shall bear interest at the N0 te rate from the date ofdisbursement and shall be payable, with such interest, up on notice from Lender to Borrower requesting payment. A11 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 certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. if Borroxver obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, theProperty, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional IOSS payee. In the event. of loss, Borrower shall give prompt notice t0 the insumnce carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shalt 14$ 13 191 0 RHODE lsuiliD-S'mgte F eme-Fam‘w MaelFm d ma Mae UMFOFN ms’ffiUMENT Faun ww 1/01 ((ev nwz; V1.1 P9 08,14 wmim wmarFmandaIServtcss zotsouoiuozsswamaoezw initalsw‘ Page eoi n ”Ill iliilltlllillillflill Ill llli Hill Ill ill!!! illifliillllilllflllll Willi ~../ SL000159 9/5/201 8 9:21 AM DUC: 0I300i75‘5 Bk: 1546 Psi 4A(-1 be applied lo restoration or repair ofthe Property, if the restorafion or repair is economically feasible and Lender’s security is not lessened. During such repair and restoration period, Lender shall have the right t0 hold such insurance proceeds until Lender has had an opportunity to impact such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undextaken promptly. 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 1's made in writing or Applicable Law requires interestto be paid on such insurance proceeds, Lender shall not be required lo pay Bon‘ower any interest or earnings on such proceeds. Fees for public adjustsrs, 0r other third parties, retained by Borrower shall not be paid out ofthe insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not scenomically 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. IfBorrower abandons the Propcny, Lender may file, negotiate and settle any available insurance claim and related matters. IfBonower does not respond within 30 days to a notice from Lenderthat 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 ifLender acquires thc Property under Section 22 or otherwise, Barrowerhereby assigns to Lender (a) Borrower’s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower’s rights (other than the right to any refund ofnneamed premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repairer restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. B. Occupan 0y. Borrower shall occupy, establish, and use. the Prop erty as Bonower‘s principal residence within 60 days after the execution ofthis Security Instrument and shall continue to occupy the Property as Borrower's plincipal residence for atleast one year after the date of occupancy, unless Lender otherwise agrees in vm‘ting, which consent shall not be unreasonablywithheld 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 Propeny, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrowar 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 promptly repair the Preperty ifdamaged to avoid further deterioration or damage. Ifinsumnce 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 ifLeuder has released proceeds for such putposes. Lender may disburse proceeds for the repairs and restoration in a single payment 0r in a series ofproyess payments as the work 1's completed. Ifthe insurance or condemnation proceeds are not sufiicient to repair or restore the Property, Boxmwer is not relieved ofBorrower‘s obligation for the completion of such repair or restoration. )4fi3131910 RRODE ISLAND Sing‘o Family-~Fannio MaelFmddia Mm: UNIFORM iNSTRUMENT FDMSND 1/01 trmL “/02! VMW Weller: Kluwerfinnnu‘ai Sonics 2015072014.202944420$40828Y lm‘l‘alsm Page 7 oi 11 WIIIIHNIHIWH Wilt“ Ill “WI ”WIN illH" IWIWH Jllllilflmimlmiii SLOOO‘IBO 9/5/2018 9:21 AM Dmoifis 1546 ts: Lender or its agent may make reasonable entri es upon and inspections ofthe Property. It‘ir has reasona ble cause, Lende: may mspect me interim of (he improvements on the Property. Lender shall give Borrowar notice at the time ofor prior to such an intezior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrowershall be in default if; during the Loan applicafionprocess, Borrower or any persons or entities acting at the direction ofBorrower or with Bonower's knowledge or consent gave materially false, misleading, or inaccurate informafion or smtemems to Lender (or failed to provide Lender with material infannation) in connection with the Loan. Material representations include, but are not limited (o, rcptcsentaticms concerning Borrower's occupancy of the Preperty as Borrower‘s principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bonower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding matmight significantly afi‘ect Lender‘s interest in the Property and/or rights under this Security Instmmcnt (su ch as a proceeding in bankrup1cy, 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 (c) Borrower has abandoned the Property, then Lender may d0 and pay for whatever ls reasonable or appropn'ate to protect Lender' s interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of theProperty, and securing and/or repainng the Property, Lender's actiorxs can include, but axe not limited to: (a) paying any sums secured by a lien which has priority over this Secun'ty Instrument; (b) appearing in court; and (c) paying reasonable attorneys’ fees to protect its intsrcst in the Propeny and/or rights under this Secun’ty Instrument, including its secured position in a bankruptcy proceeding. Securing the Preperty includes, but 1’s not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or ofi. Although Lender may take action under this Section 9, Lender does nothave 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 byLender under this Section 9 shall become additional debt ofBonower secured by this Security tnstmmem. These amounts shat} bear interest at IheNoterate from the date of disbursement and shall be payable, with such interest, upon notice fiom Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. IfBozrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 1 0. Mortgage Insurance. If Lender required Mortgage Insurance as a condition ofmala'ng the Loan, Borrower shalt pay the premiums required to maintain the Mortgage In surance 1'11 efi‘ect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Boxmwer was required to make separately designated payments toward the premiums for Mortgage Insurance, Ben'ower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in efl‘ect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, fi'om an alternate mortgage insurer selected by Lender. Ifsubstantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of thc separately designated 1463131810 ISLAND- RHODE Single Fannl)‘ Faun}? Mae/Fraddie Mes UNIFORM INSTRUMENT Fotm 30-10}1101 (rav. 11102) VMPD 05/14 Wottus Khmnr finana'alServicc: 2015072014 20.2944420140828Y lm’tifl: «Page 8 0f 17 HIMNIIIIIHUNH WHIHHH INNHMi} W “ll IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII SL000161 9/5/2018 9:21 AM DEC: 00001755 Bk: 1546 ?s: payments that Were due when the insurance coverage ceased to be in efiect. Lender will accept, use and retain thesa payments as a non-refundable loss reserve in lieu ofMortgage Insurance. Such loss reserve shall bs nonvrefundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be requixed to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments ifMorLgage Insurance coverage (in the amount and for the period that Lender xequires) provided by an insuxer selected by Lender again becomes gvailable, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. IfLen der required Mortgage Insurance as a condition ofmaking 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 Insmance in effect, orto provide a non-rcfundable loss reserve, until Len der'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 afi‘ects 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 ifBonower does not repay the Loan as agreed. Borrower is nota party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force fiom time to time, and may enter into agreements with other parties that share ormodify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the montgagc insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source offunds that the mertgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums} As a result ofthesc agreements, Lender, any purchas¢r of the Note, another insurer, any reinsurer. any other entity, or any afiliate ofany of the foregoing, may receive (directly or indirectly) amounts that 'm derive from (or might be characterized as) a ponlon ofBorrower‘s payments for Mortgage Insurance, exchange for sharing or modifying the mortgage insurer’s risk, or reducing losses. Ifsuch agreement provides that an affiliate ofLender 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: (A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms ol‘ the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (B) Any such agreements will not affect the rights Borrower has - if any - with respect to tlte Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right. t0 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 fime of such cancellation or termination. 11. Assignment of Mis cenaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. 1403131910 RHODE lstAND- Single Famlly- hnm‘u MEBIFmd'dla Mac UNIFORM INSTRUMENT Fnlm 30401 D! (13v 11/02) Pa VM 90 worms Kiwis: Finano'ol Sem'ces 2015072014. lo.29444201403265’ lniualstiMpage ot I7 71 lllllllll/Hlllll llllllllllHllllllflllmllllNH)!!!“ "lllllllllllllllllllllllllllllllflll SLOOO’IBZ vac: anomss’ Bk: 154s Pg: 46 shall be applied to restoration or repair of the Iftbe Property is damaged, such Miscellaneous Proceeds feasible and Lender‘s security is not lessened. During Properly, ifihe restoration or repair is economically to hold such Miscellaneous Proceeds until such repair and restoration period, Lender shau have me right ensure the work has been completed to Lender's Lender has had an opportunity to inspect such Property to repairs be. promptly. Lender pay for the satisfaction, provided that such inspection shall undertaken may progress payments as the work is completed. and restoration in a single disbursement or in a series of requires interest to be paid on Such Unless an agreement is made in writing orApplicablc Law Borrower interest or camings on such Miscellaneous Proceeds, Lender shall not be required to pay any feasible or Lender‘s security Miscellaneous Proceeds. If the restoration or repair is not economically applied to the sums secured by this Security would be lessened, the Miscellaneous Proceeds shall be paid to Borrower. Such Miscellaneous Instrument, whether or not then due, with the excess, if any, Proceeds shall be applied in the order provided for in Section 2. the the Miscellaneous Proceeds In the event of a total taking, destruction, or loss in value of Property. Instrument, whether or not then due, With the excess, shall be applied to the sums seemed by this Security if any, paid to Borrower. of the Property in which the fair market value In the event ofa partial taking, destruction, or loss in value or loss in value is equal to or greater ofthe Property immediately before the partial taking, destruction, Instrument immediately before the partial taking. than the amount of the sums secured by this Security otherwise agree in writing, the sums secured destruction, or loss in value, uniess Borrower and Lender amount of the Miscellaneous Proceeds multiplied by by this Security Instrument shall be reduced by the the secured immediately before the pattinl taking, the following fraction: (a) the total amount of sums value of the Property immediately before the destruction, or loss in value divided by (b) the fair market shall be paid to Borrower. partial taking, destruction, or loss in value. Any balance ofthe Property in which the fair market value In the event of a partial taking, destruction, or less invalue or loss in value is less than the amount of theProperty immediately before the partial taking, destruction, destruction, or loss in value, unless Borrower of the sums secured immediately before the partial taking, Proceeds shall be applied to the sums secured and Lender otherwise agree in writing, theMiscelianeous or not the sums are then due. by this Security Instrument whether notice Lender to Borrowar that the Opposing the Property is abandoned by Borrower, orif, after by If Borrower offers to make an award lo settle a claim for damages, Party (as defined in the next sentence) to collect the date notice is given, Lender is authorized fails to respond to Lender within 30 days after the 0r ofthe Property or to the sums secured and the Miscellaneous Proceeds either to restoration repair apply owes not then due. "Opposing Party" means the third party that by this Security Instrument, whether or a right 0f action in regard 10 Bonower Miscellaneous Proceeds or the party against whom Borrower has Miscellaneous Proceeds. whether eivii or criminal, is begun that, in Bonower shall be in default if any action or proceeding, material impairment ofLender's Lender's judgment, could result in forfeiture of the Property or other Instmment. Borrower can cure such a default and, interest in the Property or tights under this Security causing the action or proceeding to ifaecelerationhas occurred, reinstate as provided in Section l9, by forfeiture otthe Property or other material be dismissed with a ruling that, in Lender'sjudgment, precludes Instrument. The proceeds of impairment of Lender‘s interest in the Property or rights under th is Security NBM'HSW Form 304a 1m (rev. 11/02) aucos ismuosmio Fomnyennni: Mao/Fmam Mac UNIFORM instalment own VMW n, Peon to or t7 201sonottzogothmaoazev initials: a'____' mm Khmer Financial simian; WWWW W WWWWWWMWW SL000163 9/5/2018 9:21 AM DOC: 1305101755 Bk: 154%, P92 47 any award or cIaim for damages that arc attributable to the impairment of Lender's interest in the Pmperty 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 m Section 2. 12. BorrOWer Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest ofBorrower shah not operam to release the Iiab'fiity 01‘ Borrower or any Successors in Interest ofBorrower. Lender shall notbe required to mxnmence proceedings against any Successor in Interest ofBorrower 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 ofBonower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender’s acceptance ofpayments fiom third persons. entifies or Successors in Interest ofBorrower or in amounts less than the amount. then due, shall not be a waiver of or preciudc the exercise of any right or remedy. 2 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several, However, any Borrower who co-signs this Security Instrument but does not execute the Note (a “co-signer"): (a) is co~signing this Security Instrument Only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms ofthis Security Instrument or the Note without the cmsigner's consent. Subject to the provisions of Section l8, any Successor in Interest ofBonower who.assnmes Borrower’s obligations under this Security Instrument in wn'ting, and is approved by Lender, shall obtain all of Borrower's rights and benefits 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 benefit the snucessors and assigns ofLender. 14. Loan Cha rges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose ofprotccting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys‘ fees, property inspection and valuation fees. In regard to any other fees, the absence ofexpress authority in this Security Instrument to charge a specific fee to Borrower shah not be construed as a prohibition on the charging of such fee. Lendex 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 thatlaw is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amountnecessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrowe: which exceeded pennitted limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal owed under the Note orby making a direct payment to Borrower. [f a refund reduces principal, the 1463131810 RHCDE ISLAND-Singlo Family~annln ModFmdd'Ia Mac UNIFORM {NSTRUMENT ulm 3010 1101 (rev. 11/02) VMP-e owb “015072014. M‘Pago 11 17 Waller: Khmer Finandal Services 2.0.2944420140825Y lniibls___LLL a! Hill!!!IHWIHNHWHH“IIHIJHWHIJHW! lllllllmflimllflmlINIHWMHW Ill SL000164 9/5/2018 9:21 AM DOC: 00130155 3k: 154:5 F's: 4t; reduction will be Treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge 1s provided for under the Note). BormWez'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 ofsuch 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 givcn to Borrower when mailed by first 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 tho Property Address unless Borrower has designated a substitute notice address by notice to Lender. Bonower shall promptly notify Lender ofBorrower’s change ofaddress. If Lender specifies a procedure for reporting Borrouler's change ofaddress, then Borrower shall only report a change of address through thatspecificd procedure. There may be only one designated notice address under this Security Instrument at any one time. Any noticc 1o Lender shall be given by delivering it or by mailing it by first 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 Instruman 1 6. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law ofthe 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 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 conflicts with Applicable Law, such conflict shall not afi’ect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words iii the singular shall mean and include the plural and vice versa; and (c) the word ”may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrowar shall be given one copy of the Note and of this Security Instrument. 18. Transter of the Property or a Beneficial interest ln Borrower. As used in this Section 18, "Interest in the Property“ means anylegal or beneficial interest in the Property, including, but notlimited to, tho’se beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent ofwhich is the transfer of title byBoaowet‘ at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent, Lender may require immediate payment in fiJJJ ofall sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 146313191 0 RHODE {SLAND-Singta Fami‘y-Faonio MaolFIadde Mac UNIFORM INSTRUMENT auto [lot (lav 1°IIDZ) VM P9 {hFomt Wallets KhmerFmancial Services 2015072014 H20Edd-JZOMUBZBY lnifiulsy LPage 12o! 17 lllllllllll l ll Ill ll ll Ill" lllllllHill llll llll l lllllllllllllll llllllll , 81.000165 9/5/2018 9:21 AM DOC: 000131755 Bk: 1546 PSI: 49 Ichnder exerciscs this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period ofnot less 1th 30 days from the date the notice is given in accordance with Section lS within which Burrows: must pay all sums secured by this Semnity hxstmment. If Borrower fails to pay these sums prior to the expiration ofthis period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 1 9. Borrowe r's Right to Reinstate After Acceieration. IfBorrower meets certain conditions. Bonowe: shall have the right to have enforcement of this Secun’ty Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the temn‘nation of Borrower‘s right to reinstate; or (c) enny ofa judgment enforcing this Security Instrument. Those conditions are diatBorrower: (a) pays Lender all sums which then would be du¢ under this Security Instrument 21nd the Note as ifno acceleration had occurred; (b) cures any default ofany other covenants or agreements; (c) pays all expenses incurred in enforcing tlu's Security Instrument, including, but not limited to, reagenable aflomeys’ fees, property inspection and valuation fees, and other fees incuned for the purpuse ofprotecting Lender's interest in the Property and rights under this Security Instrument; and (d) 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 sscurcd by this Security Instrument, shall continue uncban ged. Len der may require th at Borrower pay su Ch reinstatcrn ent sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified 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 (d) Electronichmds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully eflectivc as ifno aceelcration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section l8. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. TheNote or a pattial 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 mmtgage loan servicing obligations under the Note, this Security Instrument, and Applicabls Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. Ifthere 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 infonnation RESPA requires in connection with a notice of transfer ofsewicing. If the Note is sold and thereafter the Loan is sewiccd by a Loan Sewicer other than the purchaser ofthe Note, the mortgage loan servicing obligations to Borrower wilt remain with the Loan Servieer 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 bejoined to any judicial action {as either an individual litigant or the member ofa class) that arises from the other party’s actions pursuant to this Security Instmtnent or that alleges that the other party has breached any provisiOn of, or any duty owed by reason of, this Security Instrument, until such Bonower or Lender has notified the other party (with such notice given in compliance with the requirements ofSection 15) ofsuch alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If 1 453131350 RHODE ISMND-Singia FDmin-Fannia Maa/Freddo Mac UNlFORM JNSTRUMENT Fotm 30-10 1101 (lav. HIDE) VMP® 0811 'l Walters Khmer Financial Services 20150720Mimwfl-JZONOBZBY Inhaltw’ Page 13 o! i7 lilllllll ll ll l ll lilllll iii ii iililllllllllllllill lilllllllllli <0 SL000166 00C: Uflflfll?55 Bk? 1546 F's: Sf) Applicable Law provides a time pen'od which must elapse before certain action can be taken, that time period will be deemed to be reasonable for pwposes of this paraggaph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 2'2 and the notice of acceleration given to Borrower pursuant to Section l8 shall be deemed to satisfy the notice and opportunity to take corrective action provisions ofthis Section 20. 21 . Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances“ arc those subs‘ances defined as mxic or hazardous subs‘ances, pollmams, ox wasfies by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law“ means federal laws and 1am of the jurisdiction where the Pmpefly is located that relate to healdx, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Enviromnental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pezmit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Propmty. Borrower shall not do, nor allow anyone else to do, anything affecting the Propeny (a) that is in violation ofany Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, 0r 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 ot‘ Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, butnot limited to, hazardous substances in consumer products). Bozrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Pr0perty and any Hazardous Substance or Environmental Law ofwhich Bouower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat ofrelease ofany Hazardous Substance, and (c) any condition caused by the presence, use or release of fa Hazardous Substance which adverSely afiects the value of the Property. 1f Bouower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal o: 0th er remediation ofany Hazardous Substance afi‘ecting the Property is necesszuy, Borrower shall promptly take all necessaly remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Enviromnental Cleanup. Non-U niform Covenants. Bouower 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 Sectiou 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) n date, not less than 3O days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the datespecified ip the notice may result in acceteratioaxuf 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 N 63 1 31 51 U RHDDE SBLhND-Shgia Fam‘Jy-th‘nia MnJFwGflB Mac UmFORM \NSTRUMEHT FDTmSMD 11M (IW. 511,92) VMPO Welter; Khmer finandal Survieas 2015072014. 2. 02944420140828Y lnitieISV—._._.MPage 14 of 17 Ulllllilflllllllllll llllllll ll | Ill 7f III IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII k. SLOOO’I 67 BUG: |JDUI'J1?55 3k: 17546 F‘s: 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 fun of a1] sums secured by this Security Instrument without further demand and may invoke the STATUTORY POWER 0F 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 STATUTORY POWER OF SALE, Lender shall mail a copy of a notice of sale to Borrower as provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys‘ fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release Upon payment of all sums secured by this Security Instrument, this Secun‘ty Instrument shall become null and void. Lender shall discharge 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 1‘s paid to a third party for services tendered and the charging of the fee is permitted under Applicable Law. 24. No Outstanding Automatic Orders in Domestic Relations Cases. Borrower hereby represents and warrants to Lender that either (a) there is no outstanding automatic order under Chapter 15-5 of the Rhode Island General Laws against any Bonowe: relating to a complaint for dissolution of marriage, legal separation, annulment, custody or visitation or (b) there is an outstanding automatic order under Chapter 15-5 of the Rhoda Island Genera! Laws against a Borrower relating to a complaint for dissolution ofmarriage, legal separation, annulment, custody or visitation, and the other party that is subject to such order has consented to, or the court which issued the automatic order has issued another order authorizing, such Borrower's execution of the Note and this Security Instrument. 25, Homestead Estate. IfBoz-rowerheretofore has acquired or hereafter acquires an estate ofhotnestcad in theProperty. Borrower hereby agrees that such homestead estate is waived to the extent of this Security Instrument and the amount due under the Note and to the extent ofall renewals, extensions and modifications of this Security Instrument or the Note, and that said homestead estate is subject to all of the fights ofLender under this Security Instrument and the Note and all renewals, extensions and modifications of this Security Instrument zmd the Note, and is subordinate to the lien evidenced by this Security Instrument, and all renewals, extensiOns and modifications of this Security Instrument. Furthermore, Borrower hereby waives the benefits of any homestead or similar laws or regulations that may otherwise be applicable from time to time. 1463131 910 RHODE lSLAND‘SIngIa Famivaannla MaelFredcia Mac UNIFORM INSTRUMENT Form 3040 1/01 (rev. 11/02) VMRa uzm ' ‘ ‘ at Weller: Khmer Financial SeMccs zotsonmdz0294442014082“ Initials M. Page 15 I7 H lllllllllll J ll llll lllll ll] Ill l Ill lllll llllllllllllllll lllllllll SL000168 9/5/2018 9:21 AM 0fl1301755 DOC: -. Bk: 15-46 F's: 5:: Acknowledgment State of Rhode Island County of NeWport \ in said County, before me personally appeared On , \/a meet”? m rx\ cw QK.‘ ?GBCCGA MAEerK“ foregoing instrument and to be the person(s) executing the each nd all to e kno n d known to me _a ' act and deed. ac owledgc said e ecu on to be s/her/th ce oIab/Public n My commission ax ir ’ I 1 . ‘éJtl—Q_r\_ /\___;'\ ”m Aha flan. (Seal) WMM??Impam1b h a WILLIAM E. PAPLAUSKAS JR. vv—n Notary Public 5mm 9% mass: lsSand -.A-AA Nomry Ii) J 52085 My Commission Expires Sep B. 2015 n- . w— w- . =27=n3=<7=trw va Loan Origination Organization: JPMorgan Chase Bank,N.A. NMLS ID: 399798 Loan Originator: Trevor Tharp NWILS ID: 119552 1463131910 Farm 3040 1/0] [rev HIOZ) UNIFORM INSTRUMENT RHODE ISLANDSinnle Famfly-Fannk‘ MawFrBdfie Mac 00/14 1'; mm) Imi'mI Page 17 o! 201507201-1.zo.294wzoi 403285' Wullels mum: F‘mandal Services LM lillllllllllllllllllllllllllmllm “mm!!! Ill lllll lllflllfllllllll Illllllllllll H llfllllfl (. SL000170 9/5/2018 9:21 AM DUE: 0130131755 Bk! 1546 P9: 5'2 BY SIGNING BELOW, Bonower accepts and agrees to the tenns and covenants contained in this Security Instrument and in any Rider executed by Bonower and recorded with it. Borrower é/ 7/9/ J %VINCENT MAJEVVSKI Date Seal r” mum REBECCAAMAJEWSKI * Date *N011~Applicant 77er Holder Sea! 1463131910 3060 1/01 (lav. 11/02) rgmny Fannie MnnIFvedwe Mac UNIFORM INSTRUMENT 4lFom1 Rnoue lsuND smgu '4]! OBI14 VMPQ M Page 16 or17 2.0. 2544\IZOMOBZBY lnanlsii—d—fl Wane]; Kluwcl F'nnnda‘Seles 2015072014. Ilflllllltl Hllllliflmlll NI Nil“! IHNIH” HHHH HH HHHHHH SL000169 975/ZU18—924'l I-\|V| . SINGLE FAMILY PURCflAfiE AND ALES AGREEMENT . Rhoda Island Association EALTORS® Ivnr-uuuw W p.,.( fl I I .j - This ("Agmemen'fl mads between ['Selrez‘y m1 room: Safilgw’3h-Baolor 1mm (W M&Hng MGMS. 523 Nll'mmlalqfi Road fiver :91 m 0237fl 3nd ("Buyer") Vincent: Hajawski Rabocca Haj Imam Maihrsg MUIES.‘ 1180 Stuna 2m wag wort m 023 9a ' Seller agrees Io SELL and Buyerio 81W. upon me pnce and 19mm below. ma rnflnwmg pmneriv (1519 'PIDMW"11 ”‘01)“! M53355 529 “‘“Wm‘ket RC?“ Assessor's Plat 403 L0! fifi 167 Gilyfl'ovm af Island 21p coda 02578 8&0L____,in (ha “mum , 31am o: Rhone 2. DATE OF THIS AGREEMENT . 1h's The Daleox mas Agmamsnt shall ha the tale: of: {2) me dale on winch Buyer signs ibis Hgteemem. or (b) the dale on which Sellersigns Agmeman! ' Buys: agmaa m pay wler a Purchase Price {01' the‘Propany In me amaunt of: rive xundmd aifityagiw zhannund Dorms (5 555, 000. 00 H‘Purchase Pace”; ofwmcn: l 000- 00 3 . has baen paid Es a daposk can trance S 4 . 000 . 00 Additzonai dappm to ba paid on orflafore upon signed and aca-pmd s 550 .90 0 . 00 Balance due a! clusmg by cash. oemfied check. wire Iransiar andror hank check. 0GB: - $—.——.————-———558 . DD TOTAL PURCHASE PRICE. 17 10:00 affine nr at such amerfima and prane Brosing a to ha hale on ml? 21115;. __ m AM. at ma qfihe Regrshy amaeds as may be agreed w by Buyer and Seller. Delivery oi dead aha" emu: a: me closmg. Buysr and Seller authmize me closing agem Io saleaw lo Brokequ. ' signed wp'as of {ha casing maiEmenus}. AH deposits shall be held in an escmw amount by me nanny ammage Firm named in Semen 1.3. unless muwaw agmed mhamlse ln minng by Swarm Seliar. applied to the Purcha‘sa P1106, exgept as mnemm provided. , and written release 99119; provided commemial Lloengmg (a) The {abate oi all deposits shall be upon execufion 0f a by Buyer era pr as gmmise m Regulation 11 0'7 Ihis hnider u! shall :ransferme ib) h me event 0‘ a déspuia between Seller and Buyer as io Ina permanence any prwision of Agreement. ma ma demiw cams Io the Serum! Treasurer of Rhoda Islanti afl9r 18C! Calendar da fmm the data oil e on“: ins! d9 bail m acmrdance with the abuve re- ulalion 6. WAIVER OY- hIDRYGAGE CONTINGENCY 'r' lfmninEed by Raye: this Agreement is no! contingent upon financing and Section of msAgraememshau ml app». (lnilim otBuyar) 7. MORTGAGE CONTINGENCY ("Lender“) on This Agmemeru is suhjaut lo Buyer obtaining a commitment tenet issued by an Immufinnal maruage render or mortgage broker o; 'II . SIZOIS Deadh‘ne’} underthe {olluwing leans: an amnunr rm to exceed 432; 00a Do , at an [umal (ale m heme , (Mortgage Cantmgency $ 3D minis Buyer Interest Mi Io exceed 4.125 % per year. fvr Mann oi at lees! years, wiih a maximum o .0 Bulhfln'zfis 5333’ MDT ”S‘ifiB Llwmea 10 comacl any snub Landertsm confirm the slam: ofBuyer’s applicalmn. is ia’} Satisfaction oi Contingency: Once‘ Buyer delivers, a cnmmhmen; btterio Seller or Listing Lzaarm in amaranme wnh Sectwn 1:3. ms {Sanungenw Mamet! satisfied, :eganfless o! wheiner the stipulalmm and condnions in the commitmem cellar are max. Buyer assumes all nbligaflons In fuImMng any and all condlflnm D! the cammitment lsttm‘. a 1:5 \i appk’aes asaesm‘sbeé awn ww'wes a Miran dame] 1o: sum mongaga. men, upan damefing copy 1m 99mm ’Im‘gmm me 5m ammgags am '8 extensions. lhig o! the denial to Sara: or Listing Licensee m accordance with Section nn m before ma Mortgage Commgancy Deadline m Aymamem unless 1he mortgage shall be declaraa null and vold and Buycr shall have ma right to me Daposua m acmxdanoe min Seam 5 Buyer wanms confirming in wnflng. M10: r-o' a damal forsuch on or the Mongaga Comingency Deadfine. Buyer {c} Exisnsfon: U Buyer has received neither a commilmaru mongage baime may request. on or bafom ma Mortgage Conflngency Deadline, and by written natce to Seller or Listing Licensee in accordance wilh Sectian 1B, 10 exiend the time by which a copy of lhe commitment {efler or denial must be dammed. nr Waive the Mongage Canllngancy by mitien mice In accordance with Section 18. In msponsa lo Buym‘e request Salim may, on or before ms Mungage Camingency Deadfinm and by miner: agteemenl thh Buyer attend the 11m by which e copy of the written denial must be delivered. If Sener dues not amend the Mortgage Contingency Deaéline. ibis Agreemenl shall hes null and void and Buyer shafl rave m8 nuht lo me Deposns in accordance wilt: Secmon 5 unitss Buyarmwea lhe Mortgage 1n wrilmg. cannngerq _ rails mas {o 1d) Buyer’s Bryant: o! (:mfingency: H, on m heme the Mmgagg Conhngmy Deadline. Buyer in defiver a mp? 0i {he commixmem mar, or dam: a wmten denial forsuch magage to SelFar n: Hating Licensee m awnrflance with Sectian 18. a! fails Io request an emanslon 83 swtad In (c) above [he Mortgage Comingency Shall be deemed waived. If Buyer fails to nurchaaa Property or Glnslng Dab. Buyer shall be in dafaun oi 11115 Agreement Seller shall hava (ha n'gm lo ma Depmsfisaud altar (emedlagpmvided in Samar: $9. advised (a a bindm- far 1e) Insurance Notice: A mortgage 19 usuall mnungam an an insurance hinder; therefore. Buyer Es highly seek quote or 51 Insumnae Including, But not limited to. 00d. dwelling, and wind, on or before the Mangage Contingency Usadune. Inaurance availability and .\*~y Cnntmgy va based upon factors. including butmt limited h, lncation. ago. condition, and past hiatmy nf the property. I - ewm'amnw: 1 aeumsmma c a 4mm .ssmm u: Rm FA“ l?“ LL» wright: tam wgmgénonéugg‘d mine maria: gaoxufigxyno‘mgumnt rm. undue. ‘3 $3.» . S RECEIVED FDR RECORD DDC: 110901755 F's: Tivert—oan‘i. Bk: 1545 NANCY L. HELLO TUlJH CLERK Jul 271232115 139134-x’h LEGAL DESCRIPTION EXHIBIT "A" NEWPORT, STATE OF THE LAND REFERRED TO HEREIN BELOW IS SITUA‘I‘ED IN THE COUNTY OF RHODE ISLAND AND IS DESCRIBED AS FOLLOWS: RHODE ALL THAT PARCEL OF LAND IN THE TOWN OF TIVERTON, NEWPORT COUNTY, STATE 0F ISLAND, BEING BOUNDED AND DESCRIBED AS FOLLOXVS: BEGINNING AT A POINT IN THE EASTERLY LINE OF NANAQUAKET ROAD AT THE SOUTHWESTERLY CORNER OF THE LAND TO BE DESCRIBED AND AT THE NORTHWESTERLY SAID CORNER 0F LAND OF KENNETH E. WOOD ET AL, THENCE RUNNING EASTERLY BY LAND 0F HIGH HNNETH E. WOOD ET AL, FIVE HUNDRED TWENTY (520) FEET, MORE 0R LESS, TO THE WATER LINE 0F THE NANAQUAKET POND; THENCE RUNNING NORTHERLY BY THE HIGH CORNER, THENCE WATER LINE 01“ SAID POND ONE HUNDRED (I 00) FEET, MORE OR LESS, FOR A RUNNING WESTERLY IN A LINE PARALLEL WITH THE SOUTHERLY LINE HEREIN FIVE HUNDRED ROAD; "THIRTY (530), FEET, MORE OR LESS, TO THE EASTERLY LlNE OF SAID NANAQUAKET THENCE RUNNING SOUTHERLY IN THE EASTERLY LINE OF SAID ROAD ONE HUNDRED (100) FEET, MORE 0R LESS, TO THE POINT OF BEGINNING, AND CONTAINING ONE (1) ACRE AND FORTY-TWO (42) RODS, MORE OR LESS. TAX 1D ID# 403-167-000 BY FEE SIMPLE DEED FROM JOHN HOWARD MEDEIROS AS SET FORTH IN DATED 11/29/2005 AND RECORDED 11/30/2005, NEWPORT COUNTY RECORDS, STATE OF RHODE ISLAND. lele No.1 28966870 97500139221 AM S, PERSONAL PROPERTY AND FIXTURES AM fixtures and pinerimpmvemams inatam pemanenfly attached Ioma building. slructures. or land awfthe ate wetsigped mus gamma me included in tnis sate as pan of the Pmpeny, induding. hut not )fmneu la, Iandscaping. fighting fixtures, screen a005, Storm window. garage door npenars and cmuois. flagpoles, $531935. and 9W a:har flems that BIB bum in. including. hm not Iimitad lo BI: conditioning equipment. gemage disposals. and dishwashers . 'm am! all items associama with the use, mnirm. ar apazmian a’lhe fiaduras o: addtional items sated helm am alga ncluned. Wad Mm: included :3)? sa . Ina The following Items. including leased or tenam-ownad KemS. are excludad from ma sale: w... .—.w__.l— _.——.—mv ' :37? .u _... {9) Selfarshall convey Propfirtr by a “flung; nnud deed conveying a 990d, cheer, msmama and marketable nL‘e to me Propeny. free from e“ Bummbiancerv. eXEBPi easements and rr‘rfln’ictiuns of :eccrd. and governmental rmulfifiuns, provided may d9 nol affect ins marketability u! ma Hie and are satisfamary fa Buyer. and Bwer's Lender. if any Salim warrants that Seller has no noxioa of any omsmnding uiuralon order i'om a gouemmenlal entity telaring tn the Progeig , I‘b} Buyer ma; candum a rifle examination oflbe Ptopeity al Buyers exgense m n Salter nannot convey marketabte line as desmibad above, Buyer may 11) elect (o acpem 5m rule as Sener can convey. m (2) raise! tho unmarkeiama mg by noufying Sener m accordance with Section 18. Ihemms Agreement shall he deemed null and amid and awer shall have nu: righi lo tbs Deposits in scmrdance with Section 5. 10. TAXES. h0JU$TMENTS. OTHER ASSESSNEN‘IS Ia) Taxes: Real eamte taxes and fire diamcl sexes shalt b5 prorated on a calsndaryear basis. map! m those lmms in which 19x35 ate prorated on a municipal fiscal yaarbasismih Sale: gaging Cortha namipzm; km dateddel'wafiy fl 1M. Gees! and Buyer mm 1m Wanna m mes tine Mother mas which ate a flan. upon the onpedy snail be paid by Sella: a1 1M ma 0mm flame” ufihe deed. a! (b: Adjustments: Rams. mats Wale; charges, association fees and aexverusage :harges shall b3 apponaonad as of me dam of the flelixtery me need a1 me cuueni price as caimflatad by the Sellers slumber -. than one constitute lien un shal be [c3 Aesessmunts A1} assessmws. Induding seem which me payabla over a pennd of mom yea; and 3 the Pmpedy paid as fqélows: A! closing. Sena: shafl pay matallmanla due dunng me municipal yams puor 10 the year u: which the deed is demsamd; the Installmems due In Ihaz yearshall be promied m the same manner a: above provdeci fortam. and (check one) [K the Sauershalr sag the balance n \e assessmeum mu qr mqwadgemmwwm asmmm m oi LI thfifiuyer shall nay the bolanoa ha sasaasmant in fun. ifany, ar assume me games the assassmanl whare permuted by law fi/V l u 'R's mums LLER-s. 11. ADDITIONAL OBLiGATIQMS at the musing a detector arid carbnn mnnoxide Mador sexfificaze ta) Smammrbon Monoxide Detectors: Sener shall 91m! ma Pmpedy wfln smoke dated n0 eatlier than 120 alandardays before the closmg. . Isiand a resident at uma oi the slam; (h) Nan-Resldam Withholding Requirement: 1f Seller Es not a resmem nIthe_Siale of Rhoda 5mm not DE me Buyer must summon sh: (6%} percent uf Sellers net amseeds {9% ifSeIler as a corporamn). in accordance mm R.l.G.L. § 44-39713. and say such proceeds amount to the fliviam of Taxallon as a non-resldantmmhuldmg raquuement In underlo have sack wilhhglding based on gain rather wan net ofsale, Sever musi submit an enema form to me Dimslun or Manon a! lens: twenty (2m Calangigr days prior to dusmg. Seller agrees 1c: pay (a Buyer the me entire amount of such wnnnoldin found to badue at or after the dosing. Bums mspmslbumy aha" survive me Imnsfar o! fiile lo Property and she“ be a Hen agalnm me Poverty. atler and Buyer are advised to consumvnh me approprlaia legal, tax. m {mam nmresss'onara andromre Rhoda Island DMsion ofTaxetinn _ R.3.G.L. 3446-223 rsqtfires a rememia; Ianmord wan us uni a msfdem of the stale of Rwode Island Io assume an 399.12 (c) Nonamident Landford: § ' ’5 ‘5) ha men wh’n for ’aarvlce of progess," um la a team cl Rhoda mama! www.inniummfi d3 Mama‘s Rhoda mend Wfiefignanonmm ms Seaman: 0:51am and +116 clerk oi the mumcipalrty Wham me propefly Is lowed. 12. POSSESSION AND CONDITION 0F PROPERTY dean“ claar of Ballet shall denver to Buyer at closing fun occupancy and possession o: me Property. m ‘broam condition fme and pamnat possmms t'na acnupanis a5 A1 casing. sane: shall convey me (except thugs that ale listen irl Sadion B as Mada! wan sale). tenants. and except. 39mm} beam. except for use andlor at napalm teamed Pmperty m me same cnndmou m Much it ls on me Date of ibis Agxemem, reasonable andwear any unpmvemem or the dam! tn owe: lo delaminewheifer m9 common by Ihis AgreemenL Buye; shall ha unfilled to a final walkihmugh ofiha Piepeny prime the delivery aflhePtopeIt'} ccmpfies vain me terms of his section. EXCEPTION§: (suojggj Io assummpn gfjgasee‘g u n a . —— __..u... OF RI DISCLOS DRE FORMS 13. RECEIPT AND AGKROWLEDGMENT _ Huyaradsnowledges ma! Buyer has mashed the following fem (uniess exempted by law): (Initial all 11m apply] Rhoda Islam Real Esiale Sales Dsdosure For'n prepared by Salter Mamaiow Real Estate Retawnship DFSFJOSW Seller's Disclosure which Is incorporated In this Agmment reference v-J Lead by Pamphlek 'Pmtéc: Y r Famiiy {113m Laad in You! Hamo' thai includes RI, section “th You Should Know About me RI lead Law“ auvaws Hum $5M‘s mm». fim}nyhlmMS4mwndmxadmm wmmm m». mu Dayna; mm: ccpqum p end tom wn 12mm unmg 1mm: solarium!“ inhuman Para: nnnhe. ' 8L I 14. BUYER'S RIGHTS \ Ia) lmpecfione: RLGL. 5-2034 slates. ”Every § contract fur the purchase am! sale of real Estate shall provide that a potential purchaser or pntem‘wl pumhesers shall be pennlueu a ten | m): damsma. oxciusive of Saturdays, sundays and humps Io conduct inspections of [ha progeny and any i Structures themun before Ihe purchaaan‘si omes obligated unde: {he cenuaci tn purchase. The parties nave me ngm to mutually 39mg upon a . | diflmen! period at lime: provided, a poienlial purchaser may waive lhls nght lc Inspection in wnfing: (b) Notice MStabe Insps-cfions: In to the addition figma slaled in I subsection m above, a patenfia! puschaaetis) shall ba permitted a panod nfmn (m) days to conducnhe {ollowing' f1} Lead infipmfiom HJ-Gnln 5430-541 § QWBS R Polfililifil Pmcflaser me fight 10 comma! a tear: mspecuon ‘Evmy Purchaser o! any mtarasl m msfieniial ma! mpeny on whwh a residential awaiting built prior is was to 1978 notified mar such pmpeuy may present mpnsure 10 £886 1mm ‘ IEEMBBSH 931m that place children may young a! risk of dowlopmg lead palsonmg. Lead polscning in young animal: may produce pennanem ‘ neurologicas damage: inctudmg Ieamlng aisabuaties. reduced Intelligence Onoheni. ‘ behavloml problems, and Impaited memom, Lead poimmng l. also poses a panicular nsk so pmgnaul warnen. The Seflez or any interest in msidamial real pmpeny Is requxrad to pmme the Buyer wim any mimmafiun on lead~besed palm hazards 1mm r'ek i assessments or Inspections in me Sellers possession and nomy me Buyer of any Known lead, based paint hazards. or A rlskassessment impaction for passive lead-based paint hsmrds rs mmmmended prior to purchase} \ Wei: Water {2) PfiVabe. Inspection: R.I.G.L§ 5-20.842 prawdes the n'ghl lo test me water quahty ofa pfivale wet} m accordance wflh m Department 0! Healln tegulaliuns. ‘ (3) cesspom impmion: R.) 6.1. 5-25.8—13 providas ma nghtto Inspect § the propeny‘s an-site sewage system io detennlna if a oesspaolaxists and whatharii sub ea m me nesenout maumnenzs as stalad m RJ.G.L \ 2349,15. 15. WAWER 0F IMSPECTMNS CONTJNGENOY 4mm: a1: mar 5mm (a) 1! Inflialed by Buyer, Buyer waives e11 rights ea ingenious, includmg {he 10xday period exclusive n! Sammys, Sundays and :mus was holidays. in 5-23.84. 520.542 enc3§ mm § 5 520.343: Bus Agreement is nal contingent on msmwns. and Sechnn 18 at this Agreemem shall nm appty Lead: If initialed fins l. WW8 "mm {b} by Buyer, figmement i3 nm cenungenl on a iead mapsction. anu Buye: walves Buyer’s mday righ: lo m 1esmnspect m: the pmaenca or lead. | 16. INSPECTIONS CONTINGENCY: Time fs o! rim essence as it a lies in Secfion 16 (a) Buyer aha! ave a ien {#0) examsive of Saturdays, day WW. Sundaw and holidays (“Inspections Contingency Dead n5 J. from the ate b! lhls Agreemem lo conduct and campmie mspefiirsns. ¢btain inspection rapons. deliver 1o Sefier or mung menace any and azl requests gelating ta Inspections. oblaln Sellefs respome, and legolve all such requests with Selle:- In Ming or this comingency shalt be deemed Waivad. shall (b) The inspechons be mnduued at Buym’s expanse by a reccgq'czefi InSpeciorm pr inspectian | company of Buyers chmce. inspemons may mmde. ' bul am mi landed to. pest sessgmifsepuvlsewex, mum. wellwatsr, lead, . pwsicaumecnamcaw,hazardoussubsianeemenands andnoad plain l0) U Burermshes toierminafe H113 Agrearranmecause oi {be foilnwlng: \ (1} Buyer is n01 salisfied mih the results oftha inspeminns‘ or l (2) Buys? anti SSW have noi mom any and anisaues miahng 1-: inspesfions Io Buyers salisfacfion; m has r3) Seller nan msponded 10 Buyer’s requests on or hero"; 1h» Inspections Cominganv; Deadunspihea Buyer shal deliver a wn'tien mime of | . tamnation Sn Sake: or Lisimg Lscensee on or bemre the Inspections Conungsnm' Deadline ar any mumaily agreed Mansions nfsnch Dead] ne 1! . falls defiuerauch aha'l Buyer m name. this Contingency be deemed waived and Buyer wntfuzfe'u Buyer‘s right to ietminata this Agreement cased an the Inspecllom Confingency A_ddifional ?mvlaiong: . ' ' 1 n/a . M | i \ i - ' ' 17. caaaecmn n; ERRORS H, U Buyer and Seller zgme {a executs and fiellverswh othey ummunm, mslmmlems. and affidavils 35 may reasonably be required'to complete Ina Iransacuon inclusfmg. but no: limited to. any amdavils and agraemems-wmch may he raquwed the Lenderts) 15118 insurance by orme company. I 18. NOTICES . AH nohues as mum in specific Sections oi ms ureement shall ba m wnt-ng A! '1on are tn ha conveyed man, pemunal delivery. electronic shall hr tmnsmlaaion. or fax. Nofinaa be effective whenpostmamad. upon petsunal delivery, upor elamnlc transmius dais, m 11an fax transmits) dale. Norms 1c Sena. fiuyar. Listing Licensee and Gnopemung Lloensee shall be sem ordelwemd toiha address(es) balmy ~ ' ' ' u ‘ ' SELLERS- - i Name:5)_ Baal gaolex . . Nina Szolowlki-Pooler I Mating Addmas; 528 Namaqunkat Baad wiverton R? 02818 | fa): Smail: ‘Listlng Bmkemgs Firm Name: mm Mum m NEWPORT Mailing Address: 47 valley ma mnmzom r. NameerfLicanaeez,._ mam ounqaf 13941 meat; smut: Ucanseik . m 02342 ' ‘smtus: IX: Designated Senernepresentame Tmnsanfiun Faciliiam‘ _' DualFacmlatox jaw 401-945—9202 Email: jbazanugqmammom phom, 401.855-5577 mrmlmmfifl sauwsmm coppgaomlnhmramumcbwmrmrmx mm aw. SL’Wum FMS. \ 9/5/201 8 9:21 AM "—' ”fl" '—‘ "H" meg—‘gs; Name(sj:_m Vincent: magi Rm Madam)“. . Malling Addresy 1180 scam ma nasty”: A 0279a Fax: Emafl FEM ENTC-L ¢le gum. _‘ I ‘coOperatmg Brokerage: :Fll‘m Name: Braf-mved mg! «swag mac Maillng Addmss. 93 Swath Main 8t: $539th Ma 02‘202 Name ufuoeusee. mm. mans Limae 1:: Siatus: IX Daignated BuyerRrspresmtteiwa L! Transaction Famnator Fax- 401444.29” Emair dxobbinlgpytommcyquncmm Phanuz 503“644-3.1E3 —.———— nn——I H—n——- . _.._..._._,_. ' Upon :9wa by Buyer. safler shall have the ngh! :o the Depnsfis ln acmrdanca with Seaman 5. auah n'ghl m be without preiumm lo the right o! Selle! lo {equire spew: psflonnance 51nd paymem oi ulnar damages. o] Lo pursue any remody. legal or equname. whim shell acme by reason of such default If Seller dafamts Jn ihe permzmnce ofihis Agreemem. Buyer shall haw. me nghl to the awash m acwrdanoe mm 3&an 5. and Buye: may puma any and a: remedbs avaitame at law or mun): Incfudmg bur no: mailed to specific performance mt disputes between Buys: and Seller over the dlsnasilinn oi ma Damn; shall ha governed by Bastion 5 Thls Agreemam may be assigned by either pady wnhuul milieu ocnsenl aflm other and shall be binding upon (he asstgns ofBuyar and Sewer Hawavar. 1m Agreement may not be esslgned vmhou; the amass mittencnnsem of Seller, 3m conmlrs a provision farSaHerfinancing. I 21. ACCURATE MSCLOSURE 0F SELLlNG PRICE BUyer 2nd Seller certify that ibis Agreement ‘and an Addenda armraley reflect the grass sales price asindipated In Becliun a orlhis AgreeMenL Buyer and Sallarunderstand and agree ihal 1h§s Information shall be discwsed In lhe lniemal Revenue Sewioe as required by law ’ 22.Anoaunummnnemm {oilawingladdendumiaddenda are made a pm! ofthis Agteamem: 7h? a n . 23. ADDITIONAL PROVISIONS Buyers inqués't for am current: applianceas listed an ms ta Gamay within“. 2-1. PREPARATION DOCUMENT CONFIRMATION CMUSE 0F ' Th8 Agreement was prepared by (check one): [X Listing Licensfie L3 Cmpemfing Licensee L_i O)her{please cumulata berm) Nam? Address: 26. CONSTRUCTION DF AGREEMENT ‘ ‘ A if Wm m more persons are named as Sella! or Buyer. 1he‘r obligasxons shall ha [mm and severat Dms and manage am Impormm. Tho Buyerand Seuaram adVIBBd t0 act‘wilhln ma 13mg raqulmfi 25. ENTIRE AGREEMENT _ . .ugar and seller agrea mat {ms gmemem wntams the min: agreement hatwean us, sub sci 10 no understandings, mnfltsons. or mpmaniaflvns other nui mUed the ma! representations of Bellaruor or men amlisgisd licensees 1o the marl U108?— messb' slated. Buyertepfesents ma! Buyer has 0n Bmkerisi as: uharacter or qqamy aflhe Pmperty. This Agmemeni may n01 m changed. madifiad. orsmended inwhoia or m pan except m writing, Signed by all pmtes. NOTtCE: THIS 15 A LEGAL DOCUMENT THAT CREATES BINDING QBLIGATIGNB. ' I IF NOT UNDERSTGUD. CONSULT AN ATTORNEY. t. , Z’_ 0'4’IS" éAr/jQ/J. arl P9919: Buyer Vim Wr: uajmmks. Date fiwer Dale Ax? r n ws‘ j e/os'zxsr ' MM» ’ Buyer {tabucca mjfiwflki page . ki-pmla: Dawf V. . . kag/S’.“ ' Buyer." 13 Seller Dam i ' copyright Ia}; far exclusive Isiamd .VI/ 372/8 form ikpmteczad hymefsdera! 3mm use bxflhoda REAL TORSfi l Wrist!¢anmlmmsommnm£n¢tqm mcw 2535444 13m- cvpyxiphh prom hm w wwucad mug Insane: nolunnnu’ Irma“: 1mm away, :t S 9/5/2018 9:21 AM Wn—mfizct'*FM :1:5w grqizzza-mzzmwafl SERVICELINKégé 6 r "~ . 21,2252? ;:, , ; _ Subject Property Address 4 Buyer: r ._ Seller: . I ‘ Y- ‘ ' ' ’lu Listing Agency: P L _ MMOW Name ongent: w‘03.!wh...“ Phone Number: HQ" .W Selling Agency: Wyam MW§2W Name of Agent: WK??? WWW”? Phone Number: ‘WDR' W5” 0“?ng ' [q/Selling We are the: [] Listing Agency Agency Earnest Mon ey Deposit held by: Vwonarwxumms mm MwJW Amount of Earnest Money: Earnest Money Will Be: M/Retained as Part of Commission [] Brought to Closing Total mss com ensariono e : 9:1 16F) To Listing Agency: % = “31$: = T0 Selling Agency; % fiwj Additional Fees to Agency: + $ + $ + $— - Less Earnest Marley retained $w ,1 1 = Net C i. ion due at closin Listing Agency: '1 Selling Agency: Checks are t0 be made payable to: QQFQW Q‘Qfll‘L/L1Q‘IW Physical address for overnight checks. \ 3T c523— mar I m ture: Managex' s ign? QE ‘7 / Date: SL000176 9/5/2018 9:21 AM Tax Certification iServiceLink f3! WSV‘L'MLE ERPLMOZA‘. 1400 CHERRINGTON PARKWAY. MOON TOWNSHIP. PA 15108—4356 Phone: 800-777-8759 Fax: 412-299-6230 Client: 150FAL [Loan Number: 1463131910 Attention: HEATHER CARTWRK Borrowar: VINCENT MAJEWSKI Orderfl: 28966873 Property Addresg: 528 NANAQUAKET RD County: NEWPORT The current tax shown below is based on face value.See discount dates, if applicable. Completed Date: 07/01/2015 Revised Date: 07/1 0/2015 Make Check Payable To: NORTH TIVERTON WATER DISTRICT (FIRE TAXES), OF Rl Mailing Address: 241 TILTON STREET City: TIVERTON State: RI Zip: 02878 Telephone #: 401-624-8432 Tax Type: WATER AND SEWER Year: 2015 Property Identification #: 403-167 Current Tax Status: SEE BELOW Date of Last Payment: Am ount: $0.00 Estimated Annual Amount: $0.00 Date of Taxes Next Due: Am ount: $0.00 1f Current Taxes Delinquent, Payoff Through Date is: Payoff Amount: $0.00 lnslallmentType: ANNUAL Due Date Amount $0.00 Comments: WATER AND SEWER IS WELL AND SEPTIC. Additional Information Any special assessments (sidewalks, streetlights, sewer, etc.): NO lf Yes, Explain: Included with CountleIty Taxes: Has this property ever gone to tax sale: Iers, Explain: Taxes Redeemed: Taxes Redeemed By: Additional Parcels: If multiple parcelsltracts, does Tax ID cover all: YES If No, Explain: This is an REOlPurchase, are there any additional taxes/fees that the seller would be responsible for paying? Comments: SL000177 1of2 9/5/2018 9:21 AM Make Check Payable To: TOWN 0F TIVERTON, OF RI Mailing Address: 343 HIGHLAND RD. City: TlVERTON Zip: 02878 Telephone #1: 401-625-6700 Tax Type: TOWN Year: 2015 1ST QTR Property Identification #: 403-157 Current Tax Status: PAID Date of Last Payment: 06/24/2015 Amount; Estimated Anhual Amount: $0.00 Date of Taxes Next Due: 10/1 0/2015 Amount: If Current Taxes Delinquent, Payoff Through Date is: Payoff Amount: $0.00 lnstallmentType: QUARTERLY Due Date Amount 10/1 0/2015 $2,154.56 Comments: 2015 ANNUAL TAX $8.51 8.26. 1ST QUARTER PAlD. 2ND QUARTER $2,154.55, OPEN, 3RD QUARTER $2,154.56, OPEN, 4TH QUARTER $2,154.56, OPEN. TAXES BECOME PAYABLE 6/15 (QNE BILL, 4 PAYMENT COUPONS). DELINQUENT AFTER 7/1 0, 10/10, 1/10 AND 4/1 0. NO SEPARATE TAXES. NO DELINQUENT TAXES. Additional Information Any special assessments (sidewalks, streetlights, sewer, etc.): NO lf Yes, Explain: Included with CountyICity Taxes: Has this property ever gone to tax sale: If Yes, Explain: Taxes Redeemed: Taxes Redeemed By: Additional Parcels: If multiple parcels/tracts, does Tax ID cover all: YES If No, Explain: This is an REOlPurchase, are there any additional taxeslfees that the seller would be responsible for paying? Comments: SLOOO178 20f2 9/5/2018 9:21 ANT Cn-n-CAGO TITLE _ INSURANCEQQMPANY COMNHTMENT FOR TITLE INSURANCE Issued by CHICAGO TITLE INSURANCE COMPANY CHICAGO TITLE INSURANCE COMPANY. a Nebraska Cozporaz‘ion ("Company ")for a valuable considerafion, commits f0 issue its policy orpolicies oflirle insurance, as idennfied in Schedule A; infavor offhe Proposed Insured named in Schedule A, as owner 0r mortgagee ofrhe estate 0r interest in the land with the described 0r referred 7‘0 in Schedule A, upon payment ofrhe premiums and charges (Incl compliance Requirements; all subject r0 the provisions ofSchedules A and B and to the Conditions 0fthis Commimzent. the This Connnimzent shall be efi’ecfive only when the identity 0f the Proposed Insured and the amount 0f policy orpolicies committedfor have been inserted in Schedule A by the Company. months (fler the Efi’ectr’ve All liability and obligation under this Comminnent shall cease and terminate 6 provided that the Date or when the policy 0r policies committedfor shall issue, 1~vhichever first occurx, failure t0 issue the policy orpoh'cies 1's not thefaz/lt of/he Company. . The Companywill provide a sample qfthe policyform upon request. IN WITNESS WHEREOF, CHICAGO TITLE INSURANCE COJMPANY has caused its corporate name and Schedule A. seal to be afixed by its duly authorized oflz‘cers 011 the date shown in ServiceLink, LLC ‘ ‘ (KIHCAGO 11:11,}? INRl‘HANCK (3()M1’.\NY i SamrafiB‘_ . Countersignedz _ Authorized SianalaryW ((gmr’ ”film Lu. I’u‘cw‘l mum ,' /4’K‘_FE_,___“ 961m“ ‘ '— An-Ilfim‘a _ licensees and ALTA members in 13.1.1312; Copyright American Land Title Associafion. All rights reserved. The use of this Form is restricted to ALTA _' C‘ are prohibited. Reprinted under license from the American Land Title Association rfi; good standing as of the date of use. All other uses 1 ALTA §$19199n13rfl ~ 2006 72-083—06 (6/06) Title No.: 28966870 | | TITLE. Cinema) _ INSURANCE CQMPANY P.O.Box 45023 Jacksonville, FL 32232-5023 SCHEDULE A | Loan No.: 1463131910 Title No: 28966870 1. Efrective Daie: 06/25/2015 | 2. Policy or Policies to be issued: I (a) Policy :ALTA Owner‘s Policy (6-1 7-2006 Standard Coverage) |. Policy Amount: $555,000.00 | Proposed Insured: VINCENT MAJEWSK! And REBECCA MAJEWSKI I I (b) Policy : ALTA Loan Policy (6—17-2006) ‘ 1 Policy Amount: $426,400.00 | Proposed Insured: JPMORGAN CHASE BANK, N.A., ITS SUCCESSORS AND/OR ASSIGNS, AS THEIR RESPECTIVE INTEREST MAY APPEAR. ‘ 3. The estate or interest in land described or referred to in this Commitment is: I FEE SIMPLE . II 4. Title to the FEE SIMPLE estate orinterest in the land is atthe Effective Date vested in: | EARL POOLER AND NINA SZULEWSKI POOLER, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY 5. The land referred to in this Commitment is described as follows: SEE EXHIBIT "A"ATTACHED HERETO AND MADE A PART HEREOF I i ServiceLink. LLC i I Authorized Slanalory ; | 9.. ._‘ —ixupqcag Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in 13.113313. good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association 4%» ‘ 491 nnm Rfi' 2 — 72-083-06A (6/08) ALTA Commitment 2006 | *9/7572’61'78 9721 AM LEGAL DESCRIPTION EXHIBIT "A" THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF NEXVPORT, STATE OF RHODE ISLAND AND IS DESCRIBED AS FOLLOWS: ALL THAT PARCEL OF LAND IN THE TOWN OF TIVERTON, NEWPORT COUNTY, STATE OF RHODE ISLAND, BEING BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT IN THE EASTERLY LINE OF NANAQUAKET ROAD AT THE SOUTHWESTERLY CORNER OF THE LAND TO BE DESCRIBED AND AT THE NORTHWVESTERLY CORNER OF LAND OF KENNETH E. \VOOD ET AL, THENCE RUNNING EASTERLY BY LAND OF SAID KENNETH E. WOOD ET AL, FIVE HUNDRED TWENTY (520) FEET, MORE OR LESS, TO THE HIGH \VATER LINE OF THE NANAQUAIQT POND; THENCE RUNNING NORTHERLY BY THE HIGH \VATER LINE 0F SAID POND ONE HUNDRED (100) FEET, MORE OR LESS, FOR A CORNER, THENCE RUNNING WESTERLY IN A LINE PARALLEL WITH THE SOUTHERLY LINE HEREIN FIVE HUNDRED THIRTY (530), FEET, MORE OR LESS, TO THE EASTERLY LINE 0F SAID NANAQUAKET ROAD; THENCE RUNNING SOUTHERLY 1N THE EASTERLY LINE OF SAID ROAD ONE HUNDRED (100) FEET, MORE OR LESS, TO THE POINT OF BEGINNING, AND CONTAINING ONE (1) ACRE AND FORTY—TVVO (42) RODS, MORE OR LESS. TAX ID ID# 403-167-000 BY FEE SIMPLE DEED FROM JOHN HOWARD MEDETROS AS SET FORTH IN DATED 11/29/2005 AND RECORDED 11/30/2005, NEWPORT COUNTY RECORDS, STATE OF RHODE ISLAND. L. Title No.1 28966870 SL000181 9/5/2018 9:21 AM Title No.2 28966870 ' « 'px—IIcAQo TITLE. INSURANCECQMPAW -- SCHEDULE B SECTION I REQUIREMENTS The following are the requirements to be complied with: 1. IF ANY EXCEPTED MORTGAGE OR DEED OF TRUST IS A REVOLVING OR CREDIT LINE SECUR|TY INSTRUMENT, EITHER OF THE FOLLOWING Requirement MUST BE MET TO REMOVE THE EXCEPTION FROM THE FINAL POLICY OF INSURANCE: A. RELEASE OR SATISFACTION B. AMOUNT SECURED BY SAID MORTGAGE/DEED OF TRUST MUST BE VERIFIED IN WRITING BY LENDER FOR FINAL BALANCE. PROOF OF PAYMENT OF THAT AMOUNT FROM THE LOAN PROCEEDS, ALONG WITH AN EXECUTED NOTICE FROM THE BORROWER TO THE LENDER STATING THAT THE LINE lS CLOSED AND THEY WILL NOT ACCEPT FUTURE ADVANCES. 2. PROPERLY DRAFTED AND EXECUTED DEED FROM EARL POOLER AND NINA SZULEWSKI POOLER, HUSBAND AND WIFE. AS TENANTS BY THE ENTIRETY TO VINCENT MAJEWSKI AND REBECCA MAJEWSKI CONVEYING SUBJECT PROPERTY. CONDITIONS OF THE CONTRACT FOR SALE SET FORTH . 3. COMPLIANCE WITH THE TERMS AND AFFECTING THE PREMISES SET FORTH HEREIN. PENALTIES AND 4. THE COMPANY REQUIRES THE PAYMENT OF ALL TAXES AND ASSESSMENTS AND ANY INTEREST, DUE AND PAYABLE AT CLOSING. MAJEWSKI 5. PROPERLY DRAFTED AND EXECUTED MORTGAGE FROM VINCENT MAJEWSKI AND REBECCA TO SERVICELINK — FALSETTI IN THE AMOUNT OF $0.00 ENCUMBERING THE SUBJECT PROPERTY. NINA SZULEWSKI 6. PROPERLY DRAFTED AND EXECUTED OWNER'S AFFIDAVIT FROM EARL POOLER AND POOLER. HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY. 7. SATISFACTION OR RELEASE OF MORTGAGE FROM EARL POOLER AND NINA SZULEWSKI POOLER, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY TO RBS CITIZENS NA AS SET FORTH IN BOOK 1360, DATED 08/12/201 1, RECORDED PAGE 1 IN THE AMOUNT OF $300,000.00. OPEN ENDED TO $300,000.00, 09/01/201 1, IN NEWPORT COUNTY RECORDS. END 0F SCHEDULE B -- SECTIONI Amgugap' x _ ‘_‘.v . '3‘" ""1 and ALTA members in Copyright American Land Title Association. AH rights reserved. The use of this Form is restricted to ALTA iicensees Association . good standing as of the date of use. All other uses are prohibited. Reprinted under license from lhe American Land Title Q: 4 ALTA Commitment - 2006 72-083-06 Bl (6/06) 9/5/2018 9:21 AM Title No.3 28966870 . CHICAGO TITLE, ?NS‘URANCTEpOMPANY SCHEDULE B - SECTION ll EXCEPTIONS Schedule B 0f the policy or policies to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company: DEFECTS, LIENS, ENCUMBRANCES, ADVERSE CLAIMS OR OTHER MATTERS, IF ANY, CREATED, FIRST APPEARING IN THE PUBLIC RECORDS OR ATl‘ACHlNG SUBSEQUENTTO THE EFFECTIVE DATE BUT PRIOR TO THE DATE THE PROPOSED INSURED ACQUIRES FOR VALUE OF RECORD THE ESTATE OR INTEREST OR MORTGAGE THEREON COVERED BY THIS COMMITMENT. TAXES OR SPECIAL ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE PUBLIC RECORDS. . ANY ENCROACHMENT, ENCUMBRANCE, VIOLATION, VARIATION, OR ADVERSE CIRCUMSTANCE AFFECTING THE TITLE THAT WOULD BE DISCLOSED BY AN ACCURATE AND COMPLETE LAND SURVEY OF THE LAND. RIGHTS OR CLAlMS OF PARTIES IN POSSESSION NOT SHOWN BY THE PUBLIC RECORDS. ANY LIEN, OR RIGHT TO A LIEN, FOR SERVICES, LABOR, OR MATERIAL HERETOFORE OR HEREAFTER FURNISHED, IMPOSED BY LAWAND NOT SHOWN BY THE PUBLIC RECORDS. EASEMENTS OR CLAIMS OF EASEMENTS NOT SHOWN BY THE PUBLIC RECORDS. SUBJECT TO MORTGAGE FROM EARL POOLER AND NINA SZULEWSKI POOLER, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY TO RBS CITIZENS NA AS SE1" FORTH IN BOOK 1360, PAGE 1 IN THE AMOUNT OF $300,000.00, OPEN ENDED TO $300,000.00, DATED 08/12/2011, RECORDED 09/01/201 1, IN NEWPORT COUNTY RECORDS. SAID PREMISES ARE CONVEYED SUBJECT TO THE FOLLOWING RESTRICTIONS AS SHOWN ON DEED BOOK 1036 PAGE 83. 1. NO BUILDING SHALL BE ERECTED THEREON EXCEPTING ONE SINGLE-FAMILY DWELLING AND A GARAGE FOR NOT MORE THAN TWO AUTOMOBILES, EXCEPTING THAT A BOATHOUSE, A TOOLAHED AND A KENNEL MAY BE ERECTED ON THE EASTERLY TWO HUNDRED FEET OF THE LAND HEREIN CONVEYED. 2. ANY BUILDING ERECTED THEREON SHALL BE SET BACK THIRTY (30) FEET FROM THE FRONT LINE AND AT LEAST TEN (1 0) FEET FROM THE OTHER BOUNDARY LINES. 3. NO COMMERCIAL BUSINESS SHALL BE CONDUCTED ON SAID PREMISES. 4. THE DWELLING ERECTED OR TO BE ERECTED THEREON SHALL COST NO LESS THAN $7500.00. 5. THE DWELLING TO BE ERECTED THEREON SHALL HAVE A SEPTIC TANK. IN THE EVENT THAT ANY EXCEPTION HEREIN CONTAINS COVENANTS, CONDITIONS AND RESTRICTIONS. SAID EXCEPTION OMITS ANY COVENANTS OR RESTRICTIONS, BASED UPON RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, FAMILIAL STATUS, MARITAL STATUS, DISABILITY, HANDICAP, NATIONAL ORIGIN, ANCESTRY, OR SOURCE OF INCOME, AS SET FORTH IN APPLICABLE STATE OR FEDERAL LAWS. EXCEPT TO THE EXTENT THAT SAID COVENANT OR RESTRICTION IS PERMITTED BY APPLICABLE LAW. 10. TAXES OR SPECIAL ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE PUBLIC RECORDS. 11. lD#403—1 TAXES ACCRUING WITHIN 2015 ANNUAL WATER AND SEWER TAXES , TAX 67. THE CURRENT YEAR. WATER AND SEWER IS WELL AND SEPTIC. QJ _.uluucax Copyrlght American Land Title Association. AH rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in 331131.111 good standing as of the date of use. AII other uses are prohibited. Reprinted under license from the American Land Title Association fig?~ 9| nnn’l 8 5 — 72-083-06 Bu (6/06) ALTA Commitment 2006 9/5/2018 9:21 AM w \ w Title No.:-2896687o l . . I . .i SCHEDULE B — SECTION u '1 EXCEPTIONS (com) I 12. ATTENTION LOAN CLOSER: IMMEDIATELY UPON CLOSING. PLEASE NOTIFY SERVICELINK FOR MORTGAGE FILING INSTRUCTIONS. PLEASE CALL SERVICELINK. I END OF SCHEDULE B — SECTION ll 1 4 | | | I i 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 | 1 1 .l 1 1 .\\I[MCI\M 1 ~.\ . J — l Copyright American Land Title Association. All rights reserved. The use of this Form is restricted lo ALTA licensees and ALTA members in 13:33:33 good standing as of the date of use. All other uses are prohibited. Reprinted under license frorn the American Land Title Association 2&3» 1 “A. - Bl nnn'i RA 1 6 ‘ - 72—083—06 Bu (6/05) ALTA Commitment 2006 I 9/5/2018 9:21 AM ‘ ’ CI-IICAGOTITLI: INSURANCE CQMPANY CONDITIONS The term moflgage, when used herein, shall include deed of trust, trust deed, 01‘ other security instrument. Ifthe proposed Insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse claim or other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting fi‘om any act of reliance hereon to the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall disclose such knowledge to the Company, or ifthe Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter, the Company at its option may amend Schedule B of this Commitment accordingly, but such amendment shall not relieve the Company fi‘om liability previously incurred pursuant to paragraph 3 ofthese Conditions. La.) Liability ofthe Company under this Commitment shall be only to the named proposed Insured and such parties included under the definition ofInsured in the fonn of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith (a) to comply with the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, 01‘ (c) to acquire or create the estate or interest or mofigage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A forthe policy 01‘ policies committed for and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage ofthe form of policy 01' policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part ofthis Commitment except as expressly modified herein. This Commitment is a contract to issue one or more title insurance policies and is not an abstract oftitle or a report ofthe condition oftitle. Any action or actions 01‘ rights of action that the proposed Insured may have or may bring against the Company arising out ofthe status ofthe title to the estate or interest or the status 0fthe mortgage thereon covered by this Commitment must be based on and are subject to the provisions ofthis Commitment. T/Ie policy f0 be issued contains (m arbitration clause. All arbin’able maflers when (lie Amount of Insumnce is $2, 000, 000 07 less slmll be mbillafed at the option of effhel the Company 01- rhe 1773le ed as the ea elusive IeIIIedy qfthe pm ties. You may IevieII a copy Qf [he aI bin arion I ules at —Aulutv: ””W'i" .Copyright" American Land Title Association. AH rights reserved The use of this Form is restricted to ALTA licensees and ALTA members In Ammuum good standing as of the date of use All other uses are prohibited. Repn‘nted underlicense from the American Land Title Association vi” 7 SLOOO'i 85 ~ 72-083-06 Conditions (6/06) ALTA Commitment 2006 9/5/2018 9:21 AM FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Fidelity National Financial, Inc. and its majority-owued subsidimy can choose whether or not to accept cookies by changing the settings 0f companies providing real estate- and loan-related sewices (collectively, your Intemet browser. but some functionality of the Website may be “FNF”, “our" or “\ve”) respect and are committed to protecting your impaired ornot function as intended. Sec the Third Parg Opt Out section privacy. This Privacy Notice lets you know how and for what purposes below. your Personal Information (as defined herein) is being collected, Beacons. Some of our web pages and electronic processed and used by FNF. 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FNF encourages all parents to instruct their children in interest must be determined, settled, paid or released prior to a title the safe and responsible use of their Personal Infonnation while using the or escrow closing. Internet. In addition to the other times we might disclose information when Privacy Outside the Website about you, we might also disclose information when required by Jaw The Website may contain various links to other websites, including links or in the good—faith belief that such disclosure is necessaxy to: (l) to various third party service providers. FNF is not and cannot be comply with a legal process or applicable laws; (2) enforce this responsible for the privacy practices or the content of any of those other Privacy Notice: (3) respond to claims that any materials. documents, websites. Other than under agreements with certain reputable images, gnphics. logos, designs, audio, video and any other organizations and companies, and except for third patty service providers information provided by you violates the tights of third parties; or (4) whose services either we use or you voluntarily elect to utilize, we do not protect the rights, property or personal safety of FNF, its usets or the share any of the Personal Information that you provide to us with any of public. the websites to which the Website links, although we may share We maintain reasonable safeguards to keep the Personal Infonnation that aggregate, non-Peisonal Information with those other third parties. Please is disclosed to us secure. We provide Personal Information and nou- check with those websites in order to determine their piivacy policies and Petsozml Infommtion to our subsidimies, affiliated companies, and other your rights under them. businesses or persons t'or the purposes ofprocessing such information on our behalf and promoting the sewices of our trusted business partners, European Union Users some or a1] ofwhich may store your infonnation on sewers outside of the If you are a citizen of the European Union, please note that we may United States. We require that these parties agree toprocess such transfer your Personal Information outside the European Union for use information in compliance with our Privacy Notice or in a similar, for any of the purposes described in this Privacy Notice. By providing industry-standard manner, and we use reasonable efforts to limit their use FNF with your Personal lnfonnation, you consent to both our collection of such iufommtion and to use other appropriate confidentiality and and such transfer of your Personal Information in accordance with this security measutes. The use of your iufommtion by one of our tulsted Privacy Notice. business partners may be subject to that party’s own Privacy Notice. We do not, however, disclose information we collect from consumer or credit Choices With Your Personal Information reporting agencies with our affiliates or others without your consent, tn Whether you submit Personal Information to FNF is entirely up to you. to conformity with applicable law, unless such disclosure is otherwise You may decide not submit Personal Information, in which case FNF permitted by law. may not be abte to provide certain services or products t0 you. non—- We also resen'e the right to disclose Personal Information and/or You may choose to prevent FNF fi'om disclosing or using your Persona] Personal htformation to take precautions against liability, investigate and Information under certain circumstances (“opt out”). You may opt out of defend against any thh'd-party claims or allegations, assist government any disclosure or use of your Personal Inl‘onuatiou for purposes that are enforcement protect the 01' the agencies, security integrity of Website, incompatible with the purpose(s) for which it was originally collected or aud protect the rights. property: or persona] safety of FNF. our users or For which you subsequently gave authorization by notifying us by one of others. the methods at the end of this Privacy Notice. Furthermore, even where your Personal Information is to be disclosed and used in accordance with We reserve the right t0 transfer your Personal Information, as well as any the stated purposes in this Privacy Notice, you may elect to opt out of other infonnation. in connection with the sale or other disposition of ail such disclosure to and use by a third patty that is not acting as an agent of or part of the FNF business and/or assets. We also cannot make any FNF. As described above, there are some uses from which you cannot representations regarding the use or transfer of your Personal Infonnation opt-out. or other information that we may have in the event of our bankruptcy, reorganization; insolvency, receivership or an assignment for the benefit Please note that opting out ol‘ the disclosure and use of your Personal of creditors, and you expressly agree and consent t0 the use and/or Information as a prospective employee may prevent you from being hired transfer of your Personal Infonnatiou or other information in connection as an employee by FNF to the extent that provision of your Personal with a sale or transfer of some or all of our assets in any of the above Information is required to apply for an open position. described proceedings. Furthermore, we cannot and will uot he If FNF collects Personal lni'onnation ti‘om such information will not responsible for any breach oi‘security by any third parties or for any you, be disclosed or used by FNF for purposes that are incompatible with the actions of any third parties that receive any oi" the information that is purpose(s) for which it was originally collected or for which disclosed to us. you Privacy Notice Effective: May l. 2015 SL000’187 9/5/2018 9:21 AM subsequently gave aufllon'zation unless yon afiirmatively consent to such The information you submit is then transfetred to your mortgage loan disclosure and use. sewicer by way 0f CCN. You may opt out of online behavioral advertising by following the The mortgage loan scrvicer is responsible for taking action or insmxctions set forth above under the above section “Additional Ways making changes to any consumer information submitted through this That'lnformation Is Collected Through the Website,” subsection “Third website. For example, if you believe that your payment or user Party Opt Out.” information is incorrect, you must contact your mortgage loan servxccr. Access and Correction To access your Personal Information in the possession of FNF and CCN does not share consumer information with third parties. other than correct inaccuracies of that information in our records, please contact us those with which the mortgage loan selvicer as contracted to interface in the manner specified at the end of this Privacy Notice. We ask with the CCN application. individuals to identify themselves and the infonnation requested to be All sections of the FNF Privacy Notice apply to your interaction with accessed and amended before processing such requests, and we may CCN, except for the sections titled Choices with Your Personal decline to process requests in limited circumstances as pennitled by Information and Access and Con‘ection. It‘you have questions regarding applicable privacy legislation. the choices you have with regard to your personal information or how to access or correct your personal intbrtnation, you should contact your Your California Privacy Rights mortgage loan sewicer. Under Califomia’s “Shine the Light” law, California residents who provide 'certain personally identifiable infonnation in connection with No Representations or Warranties obtaining products or services for personal, family or household use are By providing this Privacy Notice, Fidelity National Financial, Inc. does emitled to request and obtain from us once a calendar year infonnation not make any representations or warranties whatsoever concerning any about the customer infonnatfon we shaped, if any, with other businesses products or sewices provided to you by its majority-owned subsidiaries. for their own dilect marketing uses. If applicable, this infonnation would ln addition, you also expressly agree that your use of the Website is at include (he categories of customer information and the names and your own risk. Any services provided to 'you by Fidelity National addresses of those businesses with which \vc shared customer Financial. Inc. and/or the Website are provided “as is" and “21s available” information for the immediately prior calendar year (e.g, requests made for your use. without representations or warranties of any kind, either in 201 5 will receive infommtion regarding 2014 sharing activities). express or implied, unless such wan‘anties are legally incapable ot‘ To obtain this information on behalf of FNF, please ,send an email exclusion. Fidelity National Financial, inc. makes no tepresentatious or message to privacyfilfiificom with “Request for California Privacy warranties that any services provided to you by it or the Website, or any Information” in the subject line and in the body of your message. We wilt services offered in connection with the Website are or will remain provide the requested information to at your email address in you uninteu-upted or error-fi'ee, that defects will be corrected, or that the web response. pages on or accessed through the Website or the servers used in commotion with the are or will remain free from viruses, Please be aware that not a” information sharing is covered by the “Shine Website; any the Light” tequirements and only infommtion on covered sharing will be worms, time bombs, drop dead devices, Trojan horses or other harmful included in our [esponse componenm. Any liability of Fidelity National Financial, lnc. and your exclusive remedy with respect to the use of any product or service Additionally, because we collect your Personal Infonnalion from may provided by Fidelity National Financial, Inc. including on or accessed time to California’s Online Protection Act requires us to time, Privacy through the Website, will be the re-perfomtance of such service found to “do tmck" requests other similar disclose how \ve respond to not and be inadequate. mechanisms. Cun‘cntly, our policy is that \ve do not recognize “do not track” mquests from Internet browsers and similar devices. Your Consent To This Privacy Notice FNF Compliance with California Onlinc Privacy Protection Act By submitting Personal Information to FNF, you consent to the collection and use of information by us as specified above or as we For some websites which FNF or one of its companies owns. su‘ch as the otherwise see fit. in compliance with this Piivacy Notice, unless you Customer CareNet ("CCN"). FNF is acting as a third patty sewicc inform us othem'ise by means of the pmcedure identified below. If we provider to a mortgage loan sewiccr. ln those instances, we may collect decide to change this Privacy Notice, we will make an efi‘ort to post those certain information on behalf of that mortgage loan sewicer for fulfilling changes on the Website. Each time we collect information ti'om yon a sewice to that mortgage loan servicer. For example, you may access following any amendment of this Privacy Notice will signify your assent CCN to complete a transaction with yourmottgage loan servicer. During to and acceptance of its revised terms for all previously collected this transaction, the infonnation which we may collect on behalf of the infonnation and infotmation collected from you in the future. We may mortgage loan servicer is as follows: use comments, information or feedback that you may submit in any o First and Last Name matuter that we may choose without notice or compensation to you. Ifyou have additional questions or comments, please let us know by o Property Address sending your comments or requests to: o User Name Fidelity National Financial, lnc. - Password 601 Rivetside Avenue Jacksonville, Florida 32204 - Loan Number Attn: C‘hiet'Privacy Officer o Social Secun'ty Number— masked upon entty (888) 934-3354 privacvtfi‘lfiif.com 0 Email Address Copyright © 2015. Fidelity National Financial, Inc. All Rights Reserved. o Three Security Questionstmd Answers EFFECTIVE AS OF: MAY I, 2015 .‘\./ - lP Address Privacy Notice Effective: 2015 May l, SL000188 9/5/2018 9:21 AM CT Corporation Service of Process Transmittal 04/29/2016 CT Log Number 529085374 To: Debra Sickmann, Intake Supervisor Fidelity National Title Group (Omaha) Omaha Claim Center, 2533 N. 117th Avenue Omaha, NE 68164 RE: Process Served in Rhode Island FOR: ServiceLink Management Company, LLC (Domestic State: DE) ENCLOSED ARE COPIES OF LEGAL PROCESS RECEIVED BY THE STATUTORY AGENT 0F THE ABOVE COMPANY AS FOLLOWS: TITLE OF ACTION: Unauthorized Practice of Law Committee, Pltf./Petitioner vs. William E. Paplauskas, Jr., th./Respondent // To: ServiceLink Management Company, LLC nocumem‘ts) SERVED: Subpoena, Exhibit, Proof of Service COURTIAG EN CY: PROVIDENCE PLANTATIONS - SUPERIOR COURT, RI Case # 20156 ' NATURE OF ACTION: Subpoena - Banking Records - Pertaining to (Loan Number 146313191 0) 0N WHOM PROCESS WAS SERVED: C T Corporation System, East Providence, RI DATE AND HOUR 0F SERVICE: By Process Sewer on 04/29/2016 at 15:13 JURISDICTION SERVED : Rhode Island APPEARANCE 0R ANSWER DUE: May 25, 2016 (Document(s) may contain additional answer dates) Anomaws) I SENDER(S): Thomas M. Bergecon PROVIDENCE PIANTATIONS - SUPERIOR COURT 250 Benefit St. Providence, RI 02903 ACTION ITEMS: CT has retained the current log, Retain Date: 04/30/201 6, B(pected .Purge Date: 05/05/2016 Image SOP Email Notification, Debra Sickmann [email protected] Email Notification, Title Claims titleclaims®fnf.com Email Notification, Susan Wagner [email protected] SIGN ED: C T Corporation System ADDRESS: 450 Veterans Memorial Parkway Suite 7A East Providence, RI 02914 TELEF H 0N E: 609-538-1 81 8 Page1 of 1/ AV Information displayed on this mnsmiltal is for CT Corporation's record keeping purposes only and is provided to the recipient for quick reference. This information does not constitute a legal opinion as to me nature of action. the J amount of damages, the answer date, or any information contained in the documents 1hemselves. Reclplent is responsible for interpreting said documents and for taking appropriaxe action. Signatures on certified mail receipts confirm receipt of package not contents. only, SL000 1 89 9/5/201__8 9:21 AM ‘ . , .F c SUPERIOR COURT SUBPOENA — CIVIL ' Plaintiff/Pefitioner Civil Action File Number a Unauthorized Practice of Law Committee UPLC No. 2015—8 Defendant/Réspondcnt William E. Paplauskas, Jr. ' D Murray Judicial Complex D Noel Judicial Complex . NewPort County Kent County 45 Washington Square 222 Quaker Lane Newport,Rhode Island 02840-2913 Warwick, Rhode Island 02886—0107 ‘ *(401) 841-8330 . £01) 822-6900 U McGrath Judicial Complex Licht Judicial Complex Washington County Providence/Bristol County 4800 Tower Hi1] Road 250 Benefit Street _ WakefieldaRhode Island 02879-2239 Providence, Rhoda Island 02903-271 9 *(401) 7824121 *(401) 222-3230 T0: ServiceLink Management Company, LLC doing business as "ServlceLlnk" through its agent D YOU ARE HEREBY COMMANDED to appear in the Superior Court listed above at the date, time, and couztroom specified below to testify in the abovc—cutitled‘case and bring with you: . Courtroom Date Time If you need language assistance, please contact the Office of Court Interpreters at (40]) 222— 8710 or by email at interpretelfeedbackmlcourts.ri.gov before your cou1t appearance. * 1f an accommodation for a disability is necessary, please contact the Superior Court Clerk’s Office at the telephone number listed above as soon as possible. TTY users can cdntact the Superior Court through Rhode Island Relay at 7-] ~1 or 1—800-745—5555AW88to voice number. I Page] 0m DEPUTY . SHERIFF Superior—Sl (revised December 2014) SL0001 90 ' 9/5/2018 9:21 AM l l | I | i Jum'c "I'M Murat) "mm l STATE OF RHODE ISLAND AND (J_ u-.. —-u w PROVIDENCE PLANTATIONS l | | SUPERIOR COURT l | D YOU ARE HEREBY COMIVIANDED to appear at the location, date, and time I specified below to testify at the taking of a deposition the above-entitled case. . m | Loc'afion ofDeposifion Date Time 1 | I to l YOU ARE HEREBY COMMANDED produce and pezmjt inspection and copying of l the following documents or objects at location, date, and time specified below (list documents or I objects): I Any and all documents pertaining to Loan Number 1463131910 as further described In the I "Exhibit to Sutmoena" attached hereto. I Location Date Time I I Providence, RI 02903 201 6 Via mail 250 Benefit SL, by May 25, | I Any organizatign not a party {Q this suit that is subpoenaed for the taking of a deposition I designate' directo'rs, other , shall one or more officers, or mafihging agents, or persons who consent . I to testify on its bglialf afid may sctfox’th for each pérson designated, the matters on which the I person \Zlil] testify (Rule 30(b)(6) ofthc Superior Court Rule of Civil Procedure) Models’andBarNumber I I Attorney for the U Plaintifi’lPetitioner D Defendant/Rc3pondent Date: or E'PiaiutfiPetitioner D DefendantmeSpondcni ~me I A / gj/l’yflfl ' l I _ Telephone Number: I I ' Issuad by El Clerk, motary, or D Issuing Official pursuant Date: /»a?7r-a?fl/é I to (3.1.. 1956 §9—17—3 /s/. Clerk Jfld/m; MI garafla/L Name ofNotaIy I . I Signature ofNotary fl WM I Notary commission expires: /ko'1€,/a0 [CV Notary identification number: $511101 I I I ~ oflssuing Ofiicial Name I I Signature ofIssuing Official - I Page 2 of 3 h ."J" I Superior—S] (revised December 2014) I SL000'191 I I I I 9/5/2018 9:21 AM STATE 0F RHODE ISLAND AND PROVIDENCE PLANTATIONS SUPERIOR COURT The following information is being provided pursuant to Rule 45(c), (d), and (e) of the Superior Court Rules of Civil Procedure. (c) Protection ofPersons Subject to Subpoenas. (1) A party or an aflomey responsible for the issuance and service of a subpoena shall take reasonable steps to avoid imposing undue burden or expense on a person subject to that subpoena. The court on behalfof which the subpoena was issued shall enforce this duty and impose upon the party or attorney in breach of this duty an appropriate sanction, which may include, but 1's not limited to, lost earnings and a reasonable attorney's fee. (2) (A) A person Iconummdcd to produce and permit inspection and copying of designated books, papers, documents, or tangible things or inspection of premises need not appear in person at the place ofproduction or inspection unless commanded to appear for deposition, hearing, or trial. (BV Subjectto paragraph (d)(2) of this rule, a person commanded to produce and permit inspection and copying may, within fourteen (1 4) days afier service ofthe subpoena or before the time Specified for compliance ifsuch time 1‘s less than fourteen (14) days afler service, serve upon the self-represented litigant or attorney designated in 1hc subpoena written objection to inspection or copying of any or all ofthe designated materials or of the premises. If objectjon is made, the party serving the subpoena Shall not be entitled to impact and ccpy the materials or inspect the premises except pursuant to an order ofthe court by which the subpoena was issued. Ifobjection has been made, the party serving the subpoena may, upon notice 10 the person commanded To produce, move at any time for an order to compel the production. Such an order to compel production shall pxotect any person who is not n party or an officer of u party from significant expense resulting from the inspection and copying commanded. .J (3) (A) 0n timely motion, the court by which a subpoena was issued shall quash or modify the subpoena if i1: (i) Pails to allow reasonable time for compliance; (ii) Requires disclosure ofprivilcged or oiherpmtected matter and no exception or waiver applies; or (iii) Subjects n person to undue burden. (B) Ifn subpoena (i) requires disclosure ofa trade secret or other confidential research, development, or commercial information, or (ii) requires disclosure of an unrefained expert's opinion or information not describing specific events or occurrences in dispute and resulting ll'om the expert’s study made not at the request ofnny party, the court may, to protect a person subject to or affected by the subpoena, quash or modifi the subpoena or, ifthe party in whose behalf 111a subpoena is issued shows a substantial need for the testimony or material that cannot be oiherwise met without undue hardship and assures tha‘ the person to whom the subpoena is addressed will be reasonably compensated, the court may order appearance or production only upon specified conditions. (d) Duties in Responding to Subpoena. (J) A person respomiing to a subpoena to produce documents shall produce them as they are kept in the usual ceutse of business or shall organize and label them to correspond wllh lhe categories in the demand. (2) When information subject to a subpoena J's withheld on a claim thatit 1's privileged or subject to protection as trial preparation materials, the claim shall he made expressly and shall be supported by a description of the nature of the documents, communications, or things not produced that is sufiicient to enable the demanding partyto contestthe claim. (e) Contempt. Failure by any person without adequate excuse to obey a subpoena served upon that person may be deemed a contempt of the court in which the action is pending. Page 3 of3 / .~ J Superior—S] (revised December 2014) SL000192 ' _'—_ " 9/5/2018 9:21 AM Unauthorized Practice of Law Committee l v. William B. Paplausks, Jr. UPLC No 2015~6 Exhibit to Subpoena ' By this subpoena the Unauthorized Practice 0f Law Committee (“Committee”) requests that ServiceLz‘nkManagement Company, LLC d/b/a "SeI-viceLizzk” produce and pennit inspection and copying of any and all documents (“closing documents”) pertaining to and/or executed during the sale of real estate located at 528 Nanaquaket Road, Tiverton, Rhoda Island to Vincent and Rebecca Majewski (Loan Number 1463 131910) on or about July 21, 201 5. Such documents, ifin possession ofSenJiceLz‘nk Management CompanyJ LLC Wb/a "ServiceLz'nk", shall include any and a1] mortgage documents, financial loans documents, HUD—l Settlement Statements, title insurance policies and documents, and any other documents signed and executed by Vincent arid Rebecca Majewski during the closing of said prdperty on July 21, 2015. The Committee acknowledges and requests that, pursuant to federal and state laws, ServiceLz‘n/c Management“ Company, LLC d/b/a ”ServiceLz'nk” may be required to produce redacted copies of the subpoenaed documents which have been redacted to remove cefiain nonpublic personal informafion, including but not limited to Social Security numbers; Driver's license number or I Rhode Island Idenfificafion Card number; Account number, credit or debit card number, in combination with any required security code, access code, or password that Would permit access t0 an individual's financial account. The Committee requests that redacted copies ofthe subpoenaed documents be delivered by mail- to the “Unauthorized Practice of Law Committee, Rhode Island Supreme Court Clerk’s Office, 250 Benefit Street, Providence, Rhode Island 02903” by the close of business on May 25, 201 6. 1 1 1 1 SL000193 1 97572'01 8 9:21 AM STATE OF RHODB ISLAND AND SUPERIOR COURT Plaintiff/Petitioner Civil Action File Numb er .‘ 2015—6 . . UPLc No. Unauthonzed Practice of Law Committee Defendant/Pefitioner William E. Paplauskas, Jr. PROOF 0F SERVICE I I hereby certify that on the date below I served a copy of this Subpoena on 7' 19461717 $5 JEQVIZE— a dp/ZP personally. o 7’ Amer? 77M KMLfl 5r 54a V5124? El I hereby certify That IWas unable Io make service after the following reasonable attempts: SERVICE DATE: 2 / g2 / {é SERVICEFEE$ Month Day Year Signature of WF or DEPUTY SIERIFF or CGNSfikaE flWWW #wfl SIGNATURE OF PERSON OTHER THAN A SIERIFF or DEPUTY SHERIFF 0r CONSTABLE MUST BE NOTARIZED. Signature State of County of this the On day of , 20M, before me, undersigned notary public, personally appeared ‘ D personally known to the notary or U proved to the notary through satisfactory evidence of identification, Which was ,to be the person who signed above 1n my presence, and Who swore or afirmed to the notary that the contents ofthe document a1e truthful to the best of his or her knowledge Notary Public: My commission expires: Notary identification number: O Superior—Sl (revised December 2014) SL000194 9/5/201 8 9:22 AM Rhode Island Statutes enforcement of this section, and the petition may request and the court shall have jurisdiction to grant afier notice and Title 19. Financial institutions hearing, an order: Chapter 19—9. Community Obligations and Banking (1) Offenses Granting injuncfive relief to restrain the lending institution Current through Public Law 542 of the 2016 Legislative from engaging in the alleged or suspected violation; Session (2) § 19-9-6. Lending institutions - Title attorney Awarding reasonable attorney's fees, costs and expenses of (a) the acfion; and insfitution that accepts an application for Every lending any (3) residential mortgage loan or any commercial mortgage loan and requires that a title attorney search the title of the Granting any other relief as may be required, until the subject real estate, or requires a policy offitle insurance, person or lending institution complies with the requirements shall permit the prospective mongagor to select a qualified of this section. fitle attorney or title insurance company ofhis, her or its as R.I. 19-9-6 own choice to search the title of the subject real estate and Cite Gen. Laws § to furnish title insurance. The lending institution shall not History. P.L. 1995, ch. 82, §47. unreasonably disapprove atitle insurance policy provided or paid for directly or indirectly by a borrower. The disapproval shall be deemed unreasonable if it is not based solely on reasonable standards uniformly applied, relating only to the extent of coverage required or the financial soundness of an insurer. The standards shall not discriminate against any particular insurer, nor shall the standards call for the disapproval of aninsurance policy because the policy contained coverage in addition to that required. Acceptance of atifle insurance company's policy h by the federal national mortgage association or the federal home loan mortgage coxporafion shall be conclusive proof that the title insurance company meets the reasonable standards required by this section whether or not the borrower is applying for aresidenfial or acommercial mortgage loan (b) In the event the prospective mortgagor does not select a qualified fitle attorney or title insurance company, the EXHIBIT prospective mortgagor shall sign awaiver permitting the lending institution to select an attorney. If any lending institution violates this section, an aggrieved party may file u.“ a complaint in the superior court 0fthe county in which the aggrieved party shall dwell or has his, her orits principal place ofbusiness, or Providence county, if the superior court of that county shall not be in session, or if the aggrieved party is a nonresident or has no principal place of business in this state, of any other county as may be ageed upon by the parties to the petition, and serve upon the lending institution a petition for an order ofthe court for the 9/5/201 8 9:22 AM Rhode Island Statutes Title 42. State Afl‘airs and Government Chapter 42-30. Notaries Public and Justices of the Peace Current through Public Law 542 0f the 2016Legislative Session § 42-30-8. Powers of notaries Notaries public may, within this state, act, transact, do, and fim'sh all matters and things relating to protests and protesting bills ofexchange and promissory notes, and all other matters within their office required by law, take depositions as prescribed by law, and acknowledgments of deeds and other instruments. Cite as R.I. Gen. Laws § 42-30—8 History. G.L. 1896, ch. 18, § 1; G.L. 1909, ch. 24, § 1; G.L. 1923, ch 23, § 1; G.L. 1938, ch. 492, §1; G.L. 1956, §42-30-8. EXHIBIT \-. ‘k ' — ""—"—T5/261§§:2W“—' 'n J7 "N,§ By' His Excellency 7: 53 S Donald L. Carcien, Governor of the State of Rhode Island and ProfidenoéZBhnmdons :23 g3; f 4&1 i“ °° . JO .2?“ ‘ Ex? The Honorable z: . By co A. Ralph M01115, Secretary of State, State of Rhode Island and Providence’Eantationsm Jr Immu- STANDARDS OF CONDUCT FOR NOTARIES PUBLIC IN THE STATE OF RHODE ISLAND and PROVIDENCE PLANTATIONS Section 1: Apglicabih'g (a) All notan'es public should adhere to the “Standards of Conduct for Notanes Public 1n the State ” of Rhode Island and Providence Plantations. These standards will be considered by the Govemor 1'11 the appointment, reappointment and removal of notaries public fiom their commissions. (b) 'Nothingih these “Standards of Conduct for Notaries Public in the State of Rhoda Island and Providence Plantations” supercedes the provisions of any comt rule, including court forms; The :llll Rhode Island General Laws, including but not limited to Title 42, Chapter 30; any Federal statute; or IN any reghlation adopted pursuant to The Rhode Island General Laws or Federal statute. Section 2: Definitions As used in the “Standards of Cdnduct for Notafies Public 1'11 the State of Rhoda Island and Providence Plantations,” the following words shall have the following meanings: Hlfr'fllilflrm (a) "Acknowledgment" shall mean a notarial act in Which an individual, at a single time and IVE" place: (1) appears 1'11 person before the notary public and presents a document; (2) is personally known to the notary public or is identified by the notary through satisfactory evidence of identity; and (3) indicates to the notary public that the signature on the document was voluntarily affixed by the individual for the purposes stated Within the document and, if applicable, that the individual had authority to sign in a particular representative Capacity. - (b) "Affirmation" shall mean a notarial act, or part thereof, that is legally equivalent to an oath in which an individual, at a single time and place: (1) appears in person before the notary public; (2) is personally known to the notaiy public or is identified by the notary through satisfactory evidence of identity; and 9/5/201 8 9:23 AM (3) makes a vow oftruthfulness or fidelity under the pains and penalties of perjury based on personal honor and without invoking a deity or using any form of the word “swear.” (c) “Commission” means both to empower to perform notarial acts and the written evidefice of authority to perform those acts. "Copy certification" shall mean a notarial act in Which a notary public: (d) I n~u In (1) is presented With a document that is neither a Vital record, a public record nor lqufld l publicly recordable; and (2) copies or supervises the copying of the document using a photographic or electronic copying process; 0r (3) compares the document to the copy; and (4) determines that the copy is accurate and complete; and (5) applies an acknowledgemeht to the document owner’s signature attesting to l Ill ' l the above listed facts. . 111 (e) "Credible Witness" means an honest, reliable, and impartial person who personally knows an individual appearing before a notary public and takes an oath or affirmation fiom the notary to vouch for that individual's identity. (t) "Journal of notarial acts" or "journal" shall mean a permanently bound book that Creates and preserves a chronological record ofnotarizations performed a notary public. by nllrtnimlr .mz (g) "Jurat" means a notarial act in Which an individual, at a single time and place: u (1) appears in person before the notary public and presents a document; (2) is p'ersonafly known to the notaly public or is identified by the notary through satisfactory evidence of identity; (3) signs the document in the presence ofthe notary public; and (4) takes an oath 01' affirmation before the notary public vouching for the truthfulness or aceuracy of the signed document. (h) "Notarial act" and "notarizafion" shall mean any act that a notary public is empowered to perform. ~.-/ 9/5/201 8 9:23 AM (i) “Notarial Certificate” and “Certificate” shall mean the part of, or an attachment to, a notarized document that is completed by the notary public, bears the' notary’s signature and seal and states the facts attested by the notary in a particular notarization. (j) "Notary public" or "notary" shall mean any person commissioned to perform official acts pursuant to Title 42, Chapter 30 0f The Rhode Island General Laws, as amended. (k) "Oath" shall mean a notarial act, or part thereof, which is legally equivalent to an affilmation, andinwhichanindividual, atasingle time and place: flmmflmfifillfl (1) appears in person before the notary public; (2) is personally known 1:0 the notary public or is identified by the notary through satisfactory evidence of identity; and (3) makes a vow ofu'uthfulness or fidelity under the pains and penalties of peljury by involdng a deity or using any form of the word “swear.” " (1) "Official misconduc shall mean: anotary’s public performance. of any act prohibited, or failure to perform any | (1) ||| i act mandated by any law, in eonnection With a notan'al act; 0r Ii]: (2) a notary’s public performance of an official act in a manner found to be grossly negligent or against the public interest. (m) ”Personal appearance” shall mean that the principal and the notary public are physically close enough to see, hear, communicate With and hand identification documents t0 each other; unummmrmr (n) "Personal knowledge of identity" shall mean familiarity With an individual resulting fiom interactions with that individual over a period of time sufficient to dispel any reasonable uncertainty that the individual has the identity claimed. (o) "Principal" shall mean a person whose signature is notarized, or a person other than a credible witness, taking an oath or affirmation fiom the notary public. (p) ’fRegular place 0f work 0r business" shall mean a stationary office or workspace Where one spends most of one’s worldng or business hours. (q) "Satisfactory evidence of identity" shall mean identification of an individual based on at least one current document issued by a Federal or State or tribal government agency bearing the photographic image of the individual’s face and signature; or on the oath 0r afirmation of a credible Witness unafi'eeted by the document or transaction Who is personally known to the notary public and Who personally knows the individual; or identification of an individual based on the notary’s personal knowledge of the identity of the principal. For a person who is not a <9 United States citizen, "satisfactory evidence of identity" shall mean identification of an individual based on a valid passport, or another government—issued document evidencing the 9/5/201 8 9:23 AM individual's nationality or residence, that bears a photographic image of the individual's face and signature. (r) “Signature Witnessing” shall mean a notarial act in which an individual, at a single time and place: (1) appears in person before the notary public and presents a document; (2) is personally known to~ the notary public or is identified by the notary through satisfactory evidence of identity; and I‘lfl'llllflflmml (3) signs the document in the presence ofthe notary public. Section 3: Scone and Description of Duties '(a) .A notary public may perform the following notatial acts: acknowledgements, oaths and affirmau'ons, jurats, signature witness, copy certifications, issuance of subpoenas and deposition of Witnesses. (b) In completing a notan'al act, a notary public should sign his or her name exactly~as it appears on the notaxy’s commission, write the title “Notary Public” after his or her signature, list his or her J: commission expirafion date and list his or her notary identification number. ll (c) A notary public has neither the duty nor the authon'ty to investigate, ascertain or attest to the lawfulness, propfiety, accuracy or mthfiflness of a document or tansdcfion involving a notaxial act (d) Although not required by The Rhode Island General Laws, it is prudent for a notary public to use a seal When notan'zing documents. The seal should include the notaxy’s name exactly as it appears on his or her commission and the words “NOTARY PUBLIC” and “RHODE lWflU’flflfimflf ISLAND.” A notary’s seal is the exclusive property of the notéry; it may not be used by any JJ ll other person. This section shall notpreclude a notary Who 1's a member oftbe General Assembly 1'11 the State othode Island from notazziziug a document Without the use I ofa seal on the floor ofthe General Assembly during open session. (e) Each notary Public should develop and adhere to his or her own “standard operating procedure” When notafim'ng instruments. This Will benefit the notaryif he or she is ever required to testify as how a particular instruinent was notaJi’zed. A notary may find the use of a “journal of notatial acts” to be a beneficial tool. Notaties electing to use a “journal of notan'al acts” should as a matter of good practice record the following "(1) the‘date‘ and time ofthe notarial act, proceeding or transaction; (2) the type of notarial act; (3) the type, title or a description of the document, transaction or proceeding. If i. multiple documents are signed by the same principal in the course of a transaction or during a single date (i.e. real estate closings, mortgage discharges, state laboratory 4 9/5/201 8 9:23 AM drug analysis certificates, etc.), a single journal entry shall be sufficient; (4) the signature, printed name and address of each principal and Witness; (5) description ofthe satisfactory evidence of identity of each peréon including: i. a statement that the person is “personally known to meg” or I ii. .a notation of the typc of identificafion document, the issuing agency, its serial its or expiration; 0r identification number and date ofissuance KEEIIIIIIDMEIIII‘ l 1. Ifthe identification number on the document is the person’s Social ~ Security number, instead of including the number, write in the words "Social Security number" or the acronym "SSN;" or iii. a notation if the notary public identified the individual on the oath or . .. affirmation of a credible Witness or based on the notary's personal ' knowledge ofthe individual; (6) the fee, if any, charged for thenotarial act; and :llll (7) the address Where the notarization was performed Hi; (8) A notary public should record in the journal the circumstances for not completing ' a notarial act. A notalypublic should not record a Social Security or credit card number in thejourmzl. 2's z's A Journal recommended as bestpractice, but not required, for a notarypublz'c who an Hlfl'mln‘lfll‘ .az‘z‘orney licénsed t0 practice law within z‘he State othode Island Iheée Standards 0f az‘z‘brney—clz'ent 'HII Conduct Shall not be construed t0 impair 0r infiz'nge in any way on the II privilege 0r the attorney workproduct doctrine. (t) Certificates fot‘ Notarial Acts ' A notary public should take the ackhowledgment ofthe signature or mark ofpersons > achlowledging for themselves or in any representative capacity by using substantially the following form: State of County of On this day of J 20_, before me, th'e undersigned notary public, personally appeared (name of document signer), personally known to the notary 0r proved to the notary through satisfactory evidence of identification, Which was to be the person Whose name is signedron the t. , 'preceding or attached document, and acknowledged to the notary that (he) (she) signed it voluntarily for its stated purpose. 5 9/5/201 8 9:23 AM (as partner for , a partnership) (as for , a coxporation) (as attorney in fact for , the principal) (as for , (a) (the) ) (official signature and seal of notary) I A notary public should use ajurat certificate in substantially the following form in notarizing a signature or mark on an affidavit or other sworn or affirmed mitten declaration: lmmfmnr l State of County of On this day of _,before me, the undersigned notary public, personally appeared (name of document signer), personally known to the notary or proved to the notary through satisfactory evidence of identification, Which was ' , to be the person Who signed the preceding or attached document in my presence, and who swore or affirmed to the notary that the contents 0f the document are truthfill and accurate to the best 0f | l|| (his) (her) knowledge and belief. l llJl ‘ (official signature and seal of notary) A notary public should witness a signature in substantially the following form in notarizing a signature or mark to confirm that it was affixed in the notary’spresence Without administration of an oath or aflirmafion: State of “mefllmflr County of On this day of 20_, before me, the undersigned notary “,.._..__~ public, personally" appeared (natne of document sigler), personally known to the notary or proved to the notary _.._.__.\ through satisfactory evidence 0f identification, Which was ,to be the person whose name is signed on the preceding or attached document m my presence. (official signature and seal ofnotary) A notary public should certify a copy by using substantially the following form: State of County of Q/ NV On this day of , 20_, I certify that the (preceding) (following) (attached) document is a true, exact, complete, and unaltered 6 9/5/201 8 9:23 AM copy made by me of (description of the document), presented to me by , and to the best ofmy knowledge the copied document is neither a vital record nor a publicly recordable document, certified copies of which may be available fiom an official source other than a notary. (official signature and sea] ofnotary) (g) A notary public may certify the affixation of a signature by mark on a document presented for notarization if: l'fllll'flfliml l (1) the plincipal affixes the mark in the presence 0f the notary public and of 2 Witnesses unaffected by the document; (2) both Witnesses sign their own names beside the mark; ~ (3) the notary public writes-below the mark: “Mark affixed by (name’of signer by - mark) in the presence of (names and addresses of witnesses) and undersigned notary; _V and - (4) the notary public notarizes the signature by mark through an acknowledgment, ‘I'JI jurat or signature witnessing. . IJH (h) The notary pubhc may sigl the name of a principal Who ls physically unable to sign or make a mark on a document presented for notarization if: 2‘ (1) the principal directs the notary public to do so in the presence of Witnesses Who are unaffected by the document; lfflm‘mih‘flll‘ ' (2) the principal does not have a demeanor that causes the nOtary fiublic to have a u] compelling doubt about Whether the principal knows the consequences of the II transaction requiring the notarial act; (3) in the notary public’s judgment, the principal is acting ofhis or her own flee will; (4) the notary public signs the principal’s name 1'11 the presence of the principal and the Witnesses; (5) both Witnesses sign their own names beside the signature; (6) the notary public writes below the signature: “Signature affixed by notary public in the presence of (names and addresses ofprincipal and 2 witnesses);" and (7) the notary pubhc notalizes the signature through an acknowledgment, quat or . signature witnessing. use' (i) This section does not require a notaiy public to the forms set forth above if the form of acknowledgment, jurat, signature witnessing or copy certification of a document contains an 7 W ' ’ 9/5/2018 9:23 AM alternative form fiom another State if the document is to be filed'or recorded in, 0r governed by the laws of, that other State. (j) This section does not require a notary public to use the forms set forth above‘if the form of acknowledgment, jurat, signature Witnessing or copy certification appears on a printed form that express prohibition against altering that form. contains an . (k) The forms of certificates for notarial acts set forth in this section are not intended to replace or supercede theexisfing forms commonly used in conveyances of real estate or in other legal documents within the State of Rhode Island, and in particular, those forms of certificates for Idfllimflm notaria] acts approved by any committee ofthe Rhode Island Bar Association. ‘I Section 4: Prohibited Acts (a) A notary public should not perform a notarial act if: .. (1) the principal is not in the notary’s presence at the time ofnotarizafion; (2) the principal is not personally known to the notary public or is not identified by the notary through satisfactory evidence of identity; . tllll (3) the document presented for a certification is a vital record, a public record or a ll’J publicly recorded document that is available as a certified copy fiom an ofificial source other than a notary public; (4) the principal has a demeanor that causes the notary public to have a compelling doubt about Whether the principal knows the consequences 0f the transaction or document requiring the notarial’act; Emfllfl'flififmflt ' (5) in the notary public’s judgment, the principal is not acting of his or her own fiee W111, H - (6) the notary public is a party t0 or is named in the document that is to be notarized, except that a notary may notarize a document if the notary is named in the document for the sole purpose of receiving notices relating to the document and except that a notary Who is licensed as an attorney in the State othode Island and is named as an executor, trustee or in any fiduciary capacity in a document, or employees of such attorney, may perform notarial acts concerning such document; (7) the notary public Will receive as a direct result ofthe notarial act any commission, ~ fee, advantage, right, title, interest, cash, property or other consideration exceeding in value the fees set forth in section 42-3 0-13 of The Rhode Island General Laws or has any financial interest in the subject matter of the document. This section shall not preclude a notary Who is licensed as an attorney in the State of Rhode Island or any employee of such attorney Where the attorney receives a legal fee for professional L... legal services rendered in connection With such document; 9/5/201 8 9:23 AM (8) the notary public is a spouse, domestic partner, parent, guardian, child or sibling of the pn'ncipal, including in-law, step, or half relatives, except where such persons Witness a will or other legal document prepared by the notary Who is an attorney licensed in the State othode Island. (b) A notary public should not refhse to perform a notarial act solely based on the principal’s race, advanced age, gender, sexual orientation; religion, national origin, health'or disability. (c) A notary. public should not influence a person either- to .enter into or avoid a transaction involving a notarial act by the notary, except that the notary may provide advice relating to that I'Lvnmlnfimfl transaction if the notary is duly qualified, trained or expen'enced in a particular industry or I professional field. (d) A notary public should not execute a certificate containmg information known or believed by the notary to be false. (e) A notary public.should not affix an official signature or seal. on a notarial certificate that 1s incomplete. . (t) A notary public should not provide or send a signed or sealed notariai cerfificete to another person with the understanding that it Will be completed or attached to a document outside of the I lll l notary’ s presence. 1H (1) in connection With a commercial, non-consumer transaction, a notary public may deliver a signed, sealed or signed and sealed notan'al certificate to an attomey With the understanding that: the attorney Will attach the certificate to a document outside of the notary’s (i) 1.11 presence; and mlrnil'rmrufi (ii) the attorney Will hold such notan'al certificate 111 escrow; and. . (iii): the attorney informs the notary that the attorney will obtain the approval of u the principal, or principals, involved before attaching the certificate to the document. (g) A notary public should not notan'ze a signature on a blank 01' incomplete document, except in connection With a commercial, non-consumer transaction, a notary may deliver a sigmd, sealed, or signed and sealed notarial certificate to an attorney with the understanding that: (i) the attorney Will attach the certificate to a document outside of the notary’s presence; and ~ (ii) the attorney Will hold such notarial certificate 1n escrow; and (iii) the attorney informs the notary that the attorney Will obtain the approval of the principal or principals involved before attaching the certificate to the document (h) A notary public should not perform any official act with the intent to deceive or defiaud. <4. (i) A notary public should not claim to have powers, qualifications, rights or privileges that the office ofnotary does not provide, including the power to counsel on immigration matters. 9 9/5/201 8 9:23 AM (j) A notary public should not use the term "notario" or "notario publico" or any equivalent non- English term in any business card, advertisement, notice or sign. It is recommended to use only the commission title of “Notary Public.” Any equivalent non-Engh'sh term may imply to the general public that legal services are being rendered. (k) A notary public should not influence a person either to enter. into or avoid a transaction involving a notarial act by the notary, except that the notary may advise against a transaction if ~ the notary knows or has good reason to believe that the associated transaction'is unlawfill. 4rmummm4-1 Section 5: Limitations of Discretion. A notary public should perform any notarial act for any fiersen tequesting such. an act who tenders the fee set forth in section 42-30-13 of The Rhode Island General Laws unless: " (1-). the notarypublic knows.0r has good. reason to believe that .the..notaxial act 0r the. associated transaction is unlawful; ' (2) the principal has a demeanor that causes the notarypublic to have a compelling doubt about whether the principal knows the'consequences of the transaction or document I ll| requin'ng the notarial act; l HJ1 (3) the act is prohibited by other applicable law; 0r (4) the number of notarial acts requested practic'ably precludes completion of all acts at once, in Which case the notary public shall arrange for later completion of the remaining acts. section 6: Prohibition Avainst the Unauthorized Practice of LaW' lfllfilllrmf ll (a) A non-attomey notary public should not assist a non—attomey in drafting, completing, selecting or understanding a document or transaction requiring a notaIial act, rendering legal advice or otherwise engage in the practice of law. (b) This section does not‘preelude a notary public Who is 'duly qualified, trained, orexperienced in a particular industry or professional field fiom selecting, drafling, completing,~ or advising 011 a document or certificate related to a matter within that industry ,or field. . Section 7: Advertising, Disclaimer Required A non-attomey notary public Who advertises netarial services in any language should include in the advertisement, notice, letterhead or sign the following, prominently displayed in the same language the statement: “I am not .an attorney and have no authority to give advice on ” immigation or other legal matters. 10 9/5/201 8 9:23 AM Section 8: Change ofNamé or Address and Loss of Seal (a) Within 10 days after the change of a notary public’s residence or name, the notary should file Withihe Office of the Secretary of State, Notary Public Section, a Change of Address .or Change of Name fonn. The required forms can be obtained fiom the Notary Public Section, 148 W. River Street, Providence, RI 02904 or (401) 222-1487 or www.sec.state.ri.us. (b) Any notary public whose seal is lost, misplaced, destroyed, broken, damaged, stolen or otherwise unworkable. should immediately deliver written notice of that-fact to the Office ofthe Secretary of State. :If and When the notary’s seal is recovered or replaced, written notice of the recovery or replacementshould also be delivered immediately to the Office of the Secretary of State. Section 9: Notification of Resignation or Death (a) A notary public Who ceases to be a qualified elector, ceases to be a member of the Rhoda Islahd ”Bar ox 'who becomes pemanenfly unable to perform his ,Qr her. notan'alduties, should resign his.or her commission. . (b) A notary public Who resigns his 01; her commission should send to the Qffice-of the Secretaryof State by any means that Provides a tangible receipt or acknowledgment, including certified mail and electronic Hansmission, a signed notice indicating the efi'ecfl've date of the resignation. (c) If: a notary public dies during the tetm of his .01: her commission} the notary’s Personal representative, as soon as reasonably practicable after death, should notify .the Office of the Secretary of State of the death in Wfifing .by any means that provides. a tang'ble receipt or acknowledgment, including certified mail and electronic transmission. The netaty’s personal representative should also comply with Section 10 of this document I." Section IO: Duties at the End ofthe Commission lmrfl'flfi W IF When a notary public commission expires, is resigned, or is revoked, the notary should: (a) As soon as reasonably practicable, destroy or deface all notary seals or stamps so that they may not be used: and (b) If~the notary public elected to use a “joumal of notatial acts” as a matter of good pracfice, the notary should retain the journal and records for seven years after the .date of expiration, resignation or revocation. Section 11; Removal ofNotarV Public In accordance with the provisions of The Rhode Island General Laws section 42—3 0-10 a notary public’s commission may be revoked for official misconduct or may be removed for cause by the Governor, in his or her discretion. Section 12: Revocation of Commission 11 9/5/201 8 9:23 AM In accordance With the provisions of The Rhode Island General Laws section 42—30- 10, a notary public s commission shall be revoked if he/she ls convicted of a felony and incarcerated. Section 13: Fraud or Deceit in Office In accordance With the provisions of The Rhode Island General Laws section 42-30— 16, a notary public Who ls found to have practiced fiaud or deceit Will be held accountable and shall be guilty of a misdemeanor and fined not more than one thousand ($1,000 00) or imprisoned not more | than one (1) year or both. lmllllflmm I History ofDocument: Amended 10/15/2009: 11/18/2009 51'.|| Nd flm‘flmmflr {Ill 1| 12 9/5/201 8 9:24 AM UNITED STATES OF AMERICA FEDERAL TRADE COMMISSION DEPARTMENT OF JUSTICE Washington, DC 20580 Washington, DC 20530 March 29, 2002 The Honorable John B. Harwood Speaker of the House of Representatives Speaker's Office State House Providence, Rhode Island 02903 The Honorable Gerard M. Martineau Majority Leader of the House of Representatives Majority Leader's Oflice State House Providence, Rhode Island 02903 The Honorable Robert A. Watson Minority Leader of the House of Representatives Minority Leader's Office State House Providence, Rhode Island 02903 Members of the House Judiciary Committee c/o The Honorable Robert E. Flaherty House 0f Representatives State House Room 206 Providence, Rhode Island 02903 Re: Proposed Bill H. 7462, Restricting Competition From Non-Attorneys In Real Estate Closing Activities EXHIBIT 9/5/201 8 9:24 AM Dear Speaker and Members of the House of Representatives: We understand that the Rhode Island House of Representatives is considering legislation that would amend the definition of “practice of law” t0 require lawyers to represent buyers in almost all aspects of the real estate closing process. The United States Department of Justice and the Federal Trade Commission recommend that the Rhode Island House of Representatives rej ect proposed bill H. 7462, "An Act Relating To Criminal Offenses - Law Practice." Lawyers and non-lawyers currently compete in Rhode Island to offer such services. There is no indication that consumers are harmed under current law, and substantial evidence that consumers benefit fiom competition between closing services offered by lawyers and non-lawyers. Based on other States’ experience, the legislation is likely to increase closing costs and inconvenience for Rhode Island consumers and businesses. The Interest and Experience of the U.S. Department of Justice and the Federal Trade Commission The United States Department of Justice and the Federal Trade Commission are entrusted With enforcing this nation’s antitrust laws. For more than 100 years, since the passage of the Sherman Antitrust Act, the Justice Department has worked to promote fiee and unfettered competition in all sectors of the American economy. Restraining competition can force consumers to pay increased prices or accept goods and services of poorer quality. Consequently, anticompetitive restraints are of significant concern " t0 the Department, Whether they are imposed by a "smokestac industry or by a profession. Restraining competition has the potential to injure consumers. For this reason, the Justice Department’s civil and criminal enforcement programs are directed at eliminating such restraints. As part ofthose efforts, the Justice Department encourages competition through advocacy letters such as this one. The Department has been concerned about attempts to restrict non-lawyer competition in real estate closings. The Department has urged Kentucky, Virginia, and North Carolina to reject such opinions, through letters to their State Bars and an amicus curiae brief filed With the Kentucky Supreme Court last year} 1 In addition, the Justice Department has challenged attempts by county bar associations to adopt restraints similar to the proposed legislation. For example, the Justice Department sued and obtained a judgment against one bar association that had restrained title insurance companies fiom competing in the business of certifying title. The bar association had adopted a resolution requiring lawyers' examinations of title abstracts and had induced banks and others to require the lawyers' examinations of their real estate transactions. United States v. Allen County Indiana Bar Association, Civ. No. F-79-OO42 (ND. Ind. 1980). Likewise, the Justice Department obtained a court order prohibiting another county bar association fiom restricting the trust and estate services that corporate fiduciaries could provide in competition with attorneys. United States v. New York County Lawyers’Assocz'atz‘on, No. 80 Civ. 6129 (S.D.N.Y. 1981). __/ 2 ' 9/5/201 8 9:24 AM Congress created the Federal Trade Commission in 1914 to prevent unfair methods of competition and unfair or deceptive acts or practices in or affecting commerce. The Federal Trade Commission is concerned about restrictions that may adversely affect the competitive process and raise prices or decrease quality. Because the Commission has broad responsibility for consumer protection, it is also concerned about acts or practices in the marketplace that injure consumers through unfairness or deception. Pursuant to its statutory mandate, the Federal Trade Commission encourages competition in the licensed professions, including the legal profession, to the maximum extent compatible With other state and federal goals. The Commission has challenged anticompetitive restrictions on the business practices of state—licensed professionals, including lawyers? In addition, the staff have conducted studies of the effects of occupational regulation3 and submitted comments about these issues to state legislatures, administrative agencies, and others. The Commission also has had significant experience in analyzing and challenging restn'ctions on competition in the real estate industry.4 The Proposed Legislation Broadly speaking, there are two types of real estate loan closings: those involving purchases, and those not involving purchases. Prior to closing a purchase, the closing agent Will have prepared a deed transferring ownership and will have overseen the steps necessary to ensure that the seller has clear title to the property and that the funds for purchase are properly transferred. The title process involves an examination of the title record and the removing of exceptions t0 the title. At the closing, the closer Will witness the signing ofthe deed transferring ./ OWnership, the execution ofthe documents transferring fimds for purchase, and the execution of the loan documents prepared by the buyer’s lender. Prior to a closing that does not involve a purchase —- such as a refinancing or home equity loan ~~ the closing agent Will have updated the title history fiom the time the borrower purchased the property and overseen the steps necessary to transfer funds fiom the lender to the borrower or the holder of the borrower's existing mortgage on the property. The closer will then Witness the execution of the loan documents and any other necessary papers. In lieu of hiring an agent to prepare the paperwork, search the title, and handle fimd transfers, the lender can choose to perform all of these activities itself. 2 See, e.g., Federal Trade Commission v. Superior Court Trial Lawyers Association, 493 U.S. 41 1, 423 (1990). 3 See, e.g., Carolyn Cox and Susan Foster, er Costs and Benefits ofOccupational Regulation, Bureau of Economics, FTC, October 1990. 4 Port Washington Real Estate Board, 120 F.T.C. 882 (1995) (consent order); Industrial Multiple and American Industrial Real Estate Association, 116 F.T.C. 704 (1993) (consent order); United Real Estate Brokers ofRockland, Ltd. (Rockland CounIy Multiple Listing System), 116 F.T.C. 972 (1993) (consent order); Bellingham-Whaz‘com County Multiple Listing Bureau, 113 F.T.C. 724 (1990) (consent order); Puget Sound Multiple Listing Association, 113 F.T.C. 733 (1990) (consent order). .(V, 3 9/5/201 8 9:24 AM H. 7462 would apply to both residential and commercial closings. The bill would apply to initial purchases, refinancings, second mortgages, and closed-end home equity loans (in Which a borrower receives a loan secured by the real estate, with a fixed repayment schedule). The bill would require buyers and borrowers to hire attorneys throughout the closing process. Buyers and borrowers refinancing existing mortgages would have to hire lawyers to represent them in "examining” title and removing exceptions to title, supervising the disbursement offunds, and responding to questions and ramifications of the transaction. Cunently, lawyers and non-lawyers compete to provide these services. Moreover, almost all Rhode Island title searches are presently performed by independent tln'rd-parties who are not lawyers. If the bill’s provision governing "examining" title means that lawyers must conduct title searches, the result would be a complete change in Rhode Island practice. If the bill refers instead to reviewing the results of the title search, this function also is currently performed both by skilled non—lawyers and attorneys. Furthermore, non-lawyers currently clear exceptions to title when doing so does not involve the practice of law. One ofthe most common tasks they perform is calling lenders and others to obtain releases fiom previous mortgages and performing other administrative work. Non—lawyers often disburse fimds and respond to questions about Rhode Island real estate transactions, as long as they are not giving legal advice. If the bill is adopted, nonlawyers Who perform these services would be guilty of the crime of unauthorized practice of law and subject to fines and imprisonment. See R.I. GEN. LAWS § 11—27—14 (2001). The proposed legislation would except five real estate-related activities fiom the definition of the practice of law: (a) any corporation lawfully engaged in insuring titles to real property may continue "conducting its business;" (b) real estate agents and others whose principal source of income is commissions or profits fiom real estate sales or leases may drafi deeds, mortgages, leases, and agreements in connection With sales or leases negotiated by them; (c) a domestically- chartered title insurance company lawfiilly engaged in performing real estate closings may continue "conducting its business;" (d) a corporation Which is owned exclusively by Rhode Island attorneys and is lawfully engaged in performing real estate closings, may conduct its business, as long as any non-lawyer ofiicer or agent employed by the corporation is acting under the direct supervision of an attorney licensed by Rhode Island; and (e) a lender may close its own home equity lines of credit. (Such lines involve allowing homeowners to borrow, repay, and then borrow again up to the line's limit, often using checks or credit cards, and thus differ from closed- end home equity loans.) The exception for real estate agents appears limited to the right to draft mortgages, deeds, and similar papers and does not appear to include the ability to answer questions or explain the ramifications of a real estate transaction. The Public Interest Warrants Granting Rhode Islanders The Choice To Use A Lay Closing Service In considering whether a service is the practice of law in Rhode Island, the Legislature must of course consider the public interest. Prohibitions on the unauthorized practice of law should serve the public interest and protect the public good, as the Supreme Court of Rhode \“1 9/5/201 8 9:24 AM . Island has recognized. See Unauthorized Practice ofLaw Committee v. State othode Island, 543 A.2d 662, 665-66 (R1. 1988). Indeed, when the Supreme Court ofNew Jersey rejected an Unauthorized Practice of Law ("UPL") opinion similar to the legislation at issue here, it wrote: The question of what constitutes the unauthorized practice of law involves more than an academic analysis ofthe function of lawyers, more than a detelmination of What they are uniquely qualified to do. It also involves a determination of Whether nonlawyers should be allowed, in the public interest, to engage in activities that may constitute the practice of law. We determine the ultimate touchstone -- the public interest ~— through the balancing ofthe factors involved in the case, namely, the risks and benefits to the public of allowing or disallowing such activities. In re Opinion N0. 26 offhe Committee 0n the Unauthorized Practice ofLaw, 654 A.2d 1344, 1345-46 (NJ. 1995). In considering how best to protect the public interest, it is worth noting that the antitrust laws and competition policy generally consider sweeping restrictions on competition harmful to consumers and justified only by a showing that the restriction is needed to prevent significant consumer injury. Our analysis supports the conclusion that the public interest would not be harmed, and indeed would be significantly served, by continuing to allow competition fiom lay services in Rhode Island. The Proposed Legislation Would Likely Hurt the PUblic by Raising Prices and Eliminating Service Competition Free and unfettered competition is at the heart of the American economy. The United States Supreme Court has observed, "ultimately, competition Will produce not only lower prices but also better goods and services. ‘The heart of our national economic policy long has been faith in the value of competition.” National Society ofProfessz'onal Engineers v. United States, 435 U.S. 679, 695 (1978) (citing Standard Oil C0. v. FTC, 340 U.S. 231, 248 (1 950)); accord, Federal Trade Commission v. Superior Court Trial Lawyers Association, 493 U.S. 41 1, 423 (1990). Competition benefits consumers of both traditional manufacturing industries and services offered by the learned professions. Goldfarb v. Virginia State Bar, 421 U.S. 773, 787 (1975); National Society ofProfessionaZ Engineers, 435 U.S. at 689. In several States, as in Rhode Island today, non-lawyers compete With attorneys to provide real estate closing services, including the examination and clearing‘of title, the disbursement of funds, and the answering of 9/5/201 8 9:24 AM non-legal questions.5 Such competition has consistently resulted in lower prices and more choices in how and Where closing services are provided. The proposed legislation would likely erect an insurmountable barrier that would prevent competition in Rhode Island fiom these lay closing services. The legislation could cause Rhode ISland consumers to pay higher closing costs in five ways. First, the bill would force Rhode Islanders Who would not otherwise choose to pay for the services of a lawyer at closing to do so. The legislation requires buyers to have legal representation, Which means hiring and paying for an additional 1awyer.6 Buyers already pay for the services offhe lender's closing agent as part of their closing costs. Hence, the bill would increase costs for all consumers Who might prefer the combination ofprice, quality, and service that a lay closing service offers. Moreover, besides hurting consumers Who are buying and selling homes and commercial properties, the bill would damage those obtaining closed-end home equity loans or refinancing existing real estate loans. Some lenders currently handle these closings Without additional charge. Second, the bill, by eliminating competition fiom lay providers, would likely increase the price of lawyers' closing services, because the availability of alternative, lower—cost lay services typically restrains the fees that lawyers can charge. Consequently, even consumers Who would Q- otherwise choose an attorney over a lay agent would likely pay higher prices. Third, the bill could reduce competition fiom out—of-state mortgage lenders and title companies, harming consumers who find lower interest rates or more attractive refinancing packages with these lenders. Out—of—state lenders may not have facilities in Rhode Island to close loans and thus may have to contract with in—state services to close them. These services may include lay providers, or be partially OWned by lay providers, which the bill would forbid. Some 5 For example, the DOJ and FTC have analyzed the impact 0f competition fiom non—lawyer closing services in New Jersey, Virginia, and North Carolina See Letter fiom Charles A. James and Timothy J. Muris to the Ethics Committee ofthe North Carolina Bar Re North Carolina State Bar Opinions Restricting Involvement 0f Non—Attomeys in Real Estate Closings and Refinancing Transactions (Dec. 14, 2001) 6 Rhode Island currently requires that buyers be represented by counsel or a title insurance company for purposes of searching the title. The buyer may sigl a waiver of this right, in which case the lender selects the agent Who will do this. See R.I. GEN. LAWS § 19-9-6 (2001). It is not clear that buyers could, under the bill, waive their rights to representation during the entire closing process, so that the lender‘s lawyer could represent the buyer throughout . (The statutory waiver appears to apply only to the title process.) Even if buyers could, they would presumably have to hire their own attorneys in the event 0f potential conflict of interests. ' 3/3/2018 9:27AM conduct their entire loan application and approval process Via the Internet, simultaneously reducing costs and increasing customer convenience. The convenience offered by Intemet—based mortgage lenders may be especially important to some Rhode Island consumers. The bill could diminish these options. Fourth, 1'f by requiring lawyers to “examine titles,” the bill applies t6 title searches, it means that consumers and businesses would have to pay attorneys to perform this time—intensive search currently conducted by third-party lay services. The use of lay closers has reduced costs to consumers in other states. In 1995, afier a 16~day evidentiary hearing conducted by a special master, the New Jersey Supreme Court rejected an opinion eliminating lay closings. The Court found that real estate closing fees were much lower in southern New Jersey, where lay closings were commonplace, than in the northern part of the State, Where lawyers conducted almost all closings. This was true even for consumers who chose attorney closings. South Jersey buyers represented by counsel throughout the entire transaction, including closing, paid $650 on average, while sellers paid $350. North Jersey buyers represented by counsel paid an average of $1,000 and sellers paid an average of $750. See In re Opinion N0. 26, 654 A.2d at 1348—497 The experience in Virginia was similar. Lay closing services have operated in Virginia since 198 l, when the State rejected an Opinion declaring lay closings to be the unauthorized practice of law. A 1996 Media General study found that lay closings in Virginia were substantially less expensive than attorney closings. Virginia Closing Costs Average Including Median Average Title Examination Attorneys $350 $3 66 $451 Lay Services $200 $208 $272 Media General, Residential Real Estate Closing Cost Survey, September 1996 at 5. In 1997, Virginia passed a law upholding the right of consumers to continue using lay closing services. Va. Code Ann. §§ 6.1-2.19 — 6.1—2.29 (Michie 1997). (At the time, the state Supreme Court had been considering an Opinion declaring real estate closings to be the practice of law. See Proposed Virginia UPL Opinion N0. I83.) 7 In South Jersey, about 40% of buyers and 35% of sellers were represented by counsel at closing. In North Jersey, 95.5% of buyers and 86% of sellers were represented by counsel. <9 7 ' 9/5/201 8 9:21AM" . Rhode Island’s experience is likely to be similar. One industry source estimated that costs could increase by at least $200600 if buyers are required to hire their own attorneys, in addition to paying for the lender's closing lawyer. Currently, if buyers choose to hire their own title lawyers, they pay an additional $200-500. Furthermore, the bill is likely to hurt consumers by denying them the right to choose a lay closing provider that offers a combination of services that better meets individual consumer needs. Specifically, some of the Rhode Island companies that are owned in part by non-attomeys often close loans during the evenings or weekends, When consumers are off work, or are Willing to come to the consumer's home or other convenient location. This is important for Rhode Islanders unable to take time off fi‘om work and for others for Whom travel is difficult or time consuming. Consumers would likely lose this convenience under the bill, since many lawyers may be less likely to accommodateconsumers in this manner. A fifih way the bill Will likely harm consumers is that it could prevent realtors fiom providing simple explanations of common documents used in real estate and mortgage transactions. H. 7462 would allow realtors to continue to draft deeds, mortgages, and other agreements. The realtors, however, presumably could not explain any of these agreements since the bill requires a lawyer to respond to "any questions and ramifications" of the real estate transaction. Hence, consumers would have to pay lawyers to explain the basic purchase and sales agreement they enter into as the first step towards buying a home. Currently, realtors fill out the agreement and can explain it. They may explain to consumers the ramifications of failing to have the home inspection done on time, the meaning of the mortgage contingency clause, and other portions of this agreement. Likewise, realtors currently explain what is required by Rhode Island law to obtain a smoke detector certificate and other certificates required by law for the purchase and sale of a home. The bill appears to require lawyers to do this, as doing so could be considered "responding to questions or ramifications of the transaction." In addition, commercial entities could be hurt by the bill. Buyers and sellers involved in commercial real estate purchases may already be represented by counsel, but may Wish to use an independent lay closing agent for the services involved in closing, or use non-lawyers in their own legal departments. Yet, the proposed legislation would apply to commercial entities, forcing them in all instances to use lawyers or the title insurance companies excepted by the bill. The Goal of Increasing Consumer Protection Does Not Warrant Adopting This Bill Antitrust law and policy are very important forms of consumer protection. Consumers benefit immensely fiom competition among different types of service providers. As the United States Supreme Court has explained: 9/5/201 8 9:24 AM The assumption that compefition is the best method of allocating resources in a flee market recognizes that all elements ofa bargain ~ quality, service, safety, and durability ~ and not just the immediate cost, are favorably affected by the fiee opportunity to select among alternative offers. National Society ofProfessz'onaZ Engineers, 435 U.S. at 695 (emphasis added); accord, Superior Court Trial Lawyers Association, 493 U.S. at 423. Allowing non-lawyers to compete permits Rhode Island consumers to consider all relevant factors in selecting a provider of closing services, such as cost, convenience, and the degree of assurance that the necessary documents and commitments are sufficient. In general, the antitrust laws and competition policy require that a sweeping private restriction on competition be justified by a valid need for the restriction and require that the restriction be narrowly drawn to minimize its anticompetitive impact. These requirements protect the public interest in competition. See generally FT. C. v. Indiana Federation ofDem‘ists, 476 U.S. 447, 459 (1986). There does not seem to have been any showing of need for extensive prohibitions of lay closing service competition. At a minimum, the House should not adopt H. 7462 unless it sees strong factual evidence demonstrating that Rhode Islanders are actually hurt by the availability of closing services performed by anyone other than an employee of a corporation owned entirely by Rhode Island lawyers, a domestically chartered title company, or a title insurance company, and finds that this is not outweighed by the harm to consumers of foreclosing competition. The Justice Department and the Federal Trade Commission have spoken with several participants in the Rhode Island real estate industry, including lawyers. None has cited any instances of actual consumer injury in Rhode Island fiom non—lawyer closings. In fact, it appears that at least one attorney has absconded with real estate transaction proceeds. See Four Lawyers Disciplined in Separate Cases, PROVIDENCE JOURNAL, June 4, 1996 at B08 (attorney Philip Champagne embezzled $50,000 fiom proceeds of real estate transaction). A showing of harm is particularly important where, as here, the proposed restraint prevents consumers fiom using an entire class ofproviders. Without a showing of actual harm, restraining competition in a way that is likely t0 hurt Rhode Islanders by raising prices and eliminating consumers’ ability to choose among competing providers is unwarranted. Proponents of the bill have not demonstrated that skilled non—Iawyers cannot perform the functions of examining titles and removing exceptions, supervising the disbursement of fimds, and responding to non-legal questions and explaining the non—legal ramifications 0f a real estate transaction. Non—lawyers currently do almost all of the title searches in Rhode Island. Non- Iawyers do work to remove title exceptions; they call lenders for discharges on previous mortgages, for example, and review the results ofthose calls to determine Whether to remove an exception. Indeed, the process of removing exceptions is often easier in refinancings and closed— end home equity loans and yet legal representation of the borrower would also be required for them. Likewise, non—lawyers currently answer non~legal questions fi'om buyers and borrowers. For example, if a consumer asks What a foreclosure is, a non—lawyer can answer that question. 9/5/201 8 9:24 AM Similarly, non—lawyers supervise the disbursement of fimds, With no harm to consumers.8 According to Witnesses, closing is largely an administrative task that may be perfonned by non- lawyers. Indeed, the proposed legislation appears to recognize that it is not necessary for a lawyer to perform the closing functions. The bill would continue to allow closings by lenders of their home equity lines 0f credit, and closings by "domestically chartered title insurance companies," and by any corporation "lawfully engaged in the insuring of titles to real property." Consumers and businesses who close using these entities would not have to hire lawyers to perform these filnctions. Non-lawyers could examine their title and remove exceptions, supervise fimd disbursement, and answer their questions and explain the transaction's ramifications. (Of course, as in all situations, these non-lawyers could not provide legal advice.) Moreover, a substantial number of closings involve home equity loans or the refinancing of existing loans? Because a related transaction has already gone through the closing process once, property law questions (e.g., relating to clear title) are less likely to arise, and legal advice on these matters is less likely to be needed. The assistance 0f a licensed lawyer at closing may be desirable, and consumers may decide they need a lawyer in certain situations. A consumer might choose to hire an attorney to answer legal questions, perform title work, provide advice, negotiate disputes, or offer various protections. Consumers who hire attorneys may in fact get better service and repreSentation at the closing than those who do not. But, as the New Jersey Supreme Court has concluded, this is no sound reason to eliminate lay closing services as an alternative. In re Opinion No. 26, 654 A.2d at 1360. Rather, the choice of hiring a lawyer or a non-lawyer should rest with the consumer. Id. I Less Restrictive Measures May Protect Consumers Rhode Islanders Will likely face Substantially higher closing costs if competition fiom non— lawyers is forbidden by the bill. These costs should not be imposed without a convincing showing not only that lay closings have injured consumers, but also that less drastic measures cannot remedy any perceived problem. Rhode Island consumers can be protected by measures that restrain competition far less than extensive bans on lay closing work. For example, in permitting lay closings, the New Jersey Supreme Court required written notice to consumers of the risks involved in proceeding with a real estate transaction without an attorney. See In re Opinion N0. 8 The bill requires counsel to represent the buyer in supervising the disbursement offunds. The disbursement of funds is done by the lender and its representative. It is not clear what fimction the buyer's lawyer would have with regard to this task. 9 The bill excepts home equity lines of credit but not closed—end home equity loans. \kzu .I, I 10 7 Wm 9/5/201 8 9:24 AM 26, 654 A.2d at 1363. This measure permits consumers to make an informed choice about Whether to use lay closing services. Virginia, confionted with similar issues, adopted the Consumer Real Estate Protection Act in 1997, Va. Code Ann. §§ 6.1-2. 19 ~ 6.1-2.29 (West 2001), Which permits consumers to choose lay closing providers, but requires the state to regulate them, providing safeguards through licensure, registration, and the imposition of financial responsibility and rules for handling closing funds. Though more regulatory than the New Jersey approach, the Virginia approach is also more pro-competitive than the approach in the Rhode Island bi11.1° Interstate Commerce Clause Issues In assessing the proposed legislation, the House 0f Representatives may also wish to consider whether it may violate the Interstate Qommerce Qlause of the Constitution of the United States, Article I, § 8, Clause 3. The bill would define the tasks involved in closing real estate transactions as the practice of law and prohibit anyone from performing them other than lawyers and others Who fall Within the bill's specific exceptions. Thus, the bill would prevent all non- lawyers fiom competing to provide closing services (other than those acting on behalf of title insurance companies) and prevent employees of corporations not owned entirely by Rhode Island lawyers from competing t0 do so.“ InNatz'onaZ Revenue Corp. v. Violet, the First Circuit found that a Rhode Island statute declaring debt collecting to be the practice of law was unconstitutional under the interstate commerce clause. 807 F. 2d 285 (lst Cir. 1986). The United States Court of Appeals held that: [b]y defining all debt collection as the practice of law, and limiting this practice to members of the Rhode Island bar, Rhode Island effectively bars out-of—staters fiom offering a commercial service Within its borders and confers the right to provide that service-~and to reap the associated economic benefit—-upon a class largely composed of Rhode Island citizens. . . .[T]he statute deprives the citizens of Rhode Island of any benefits arising fiom competition. . . . In this circumstance it might appear that the local purpose, rather than being legitimate, is, in substantial 1° The Virginia approach carries some additional risk of consumer harm, since licensing regulation itself can be used to thwart competition. See Cox and Foster, supra n. 3. 11 The legislation lists 10 practices permitted to corporations and associations that might otherwise be considered the practice of law. Five ofthese relate specifically to real estate closings. The final practice, in the provision numbered 10, states that "domestically chartered fifle insurance" companies may conduct closings. This language appears t0 duplicate a smaller palt 0fthe exception granted by provision 1, Which would allow any corporation lawfully engaged in the insuring oftitle to real property to continue closing ifthat was pan of its business. Provision 10 specifically states that a "domestically chartered title insurance company," that is "lawfiilly engaged in performing real estate closings" may continue to conduct its business. Provision 1 does not refer to real estate closings specifically. prrovision 10 is intended to allow domestically—chartered firms to perform more real estate closing tasks than other title insurance companies, then this exception may also raise separate Commerce Clause problems. \q/ 11 9/5/201 8 9:24 AM o, w part, to benefit the local bar. This appearance can be rebutted only by Showing a legitimate purpose that could not be served as well by non-discriminatory means. 807 F.2d at 290. The court concluded that no such showing had been made. We would urge the House of Representatives to consider whether the proposed legislation could similarly burden interstate commerce in violation of the U.S. Constitution. Conclusion By imposing extensive prohibitions on lay closings, H. 7462 Will reduce competition and will likely raise closing costs for Rhode Island consumers by requiring them to hire lawyers in circumstances Where they may not be necessary. Other states' experience suggests that the bill will likely cause consumers to pay significantly more for real estate closings. For example, in Virginia, median lay closing costs were $150 less. In parts ofNeW Jersey where lay closings are prevalent, buyers represented by counsel paid $350 less, on average, and sellers paid $400 less. Even consumers who chose attorney closings paid less as a result of the competition attorneys face fiom non-lawyer closings. Currently, Rhode Island consumers pay $200-500 more if they choose to hire their own title lawyers; the bill would likely raise costs by that amount or more for consumers who would otherwise choose not to hire a lawyer. In addition, the bill could curtail competition from out—of— state and Internet-based lenders, potentially increasing costs and reducing the convenience of the loan application and approval process. There has been no showing of harm to consumers fiom lay closings that would be substantial enough to justify these reductions in competition. Rather, the bill could haxm Rhode Island consumers substantially. We respectfully recommend that the House of Representatives reject the bill. 12 9/5/201 8 9:24 AM O, The Justice Department and the Federal Trade Commission appreciate this opportunity to present our Views and would be pleased to address any questions or comments regarding competition policies. Sincerely yours, /s/ Charles A. James Assistant Attorney General /s/ Jessica N. Butler-Arkow Attorney United States Department of Justice Antitrust Division ~ By order of the Federal Trade Commission, /s/ Timothy J. Mum's Chairman /s/ Ted Cruz, Director Ofiice of Policy Planning 13 9/5/201 8 9:24 AM UNITED STATES OF AMERICA FEDERAL TRADE COMMISSION DEPARTIVEENT OF JUSTICE Washington, DC 20580 , Washington, DC 20530 December 20, 2002 Task Force on the Model Definition ofthe Practice ofLaW American Bar Association 750 N Lake Shore Drive Chicago, IL 60611 Re: Comments on the American Bar Association’s Proposed O Model Definition of the Practice of Law [ Dear Members of the Task Force: The United States Department of Justice (“DOJ”) and the Federal Trade Commission (“FTC”) submit this letter in response to the Task Force’s solicitation for public comments regarding its proposed Model Definition 0f the Practice of Law. The DOJ and the FTC understand the definition to be a proposed statute, regulation, or court rule, and submit these comments pursuant to that understanding} In recent testimony before the FTC, the President of the American Bar Association stated “a that threshold problem With the delivery of legal services [is] [W]hat constitutes legal information as opposed to legal advice?” This issue hindered the efforts of other committees established by the American Bar Association, including those looking at multi-disciplinary IAIt Gavin, counsel to the Task Force, has represented to agency staff that the Model Definition is intended ultimately as a pr0posal for state agencies, State Bar regulations, or Supreme Court rules. 2 Possible Anticompetitive Eflorts to Restrict Competition 0n the Internet: Federal Trade Commission Public Workshop (Oct. 9, 2002) (statement of Alfied P. Carlton, American Bar Association President) at http://www.fic.gov/opp/ecommerce/anficompetitive/panel/carlton.pdf. .dt / 9/5/201 8 9:24 AM practice, multi—jurisdictional practice, and the unauthorized practice of laW.3 Defining the practice of law has been a difl‘lcult question for the legal profession for many years. The emergence of new technologies such as the Internet has expanded the number of ways in Which legal advice and information can be disseminated, Which has increased the complexity of the task. The boundaries 0f the practice of law are unclear and have been prone to vary over time and geography.4 While almost all states (with the exception of Arizona) currently have statutes that purport to define the practice of law, in reality these statutes tend to be vague in scope and contain broad qualifiers. For example, the Texas UPL statute states that “the definition in this section is not exclusive and does not deprive the judicial branch of the power and authority under both this chapter and adjudicated cases to determine Whether other services and acts not enumerated may constitute the practice of law?” These types of open-ended statutory definitions give courts and bar agencies scant guidance when they attempt to apply UPL statutes to Specific facts. Courts and bar agencies struggling to define the somewhat amorphous concept of the practice of law have come up with several different tests. For example, the “commonly understood” test defines the practice of law as composed of activities that lawyers have traditionally performed.6 There are a number of exceptions to this test, such as permitting nonlawyers to perform activities usually performed by lawyers if those activities are incidental to the profession or business ofthe nonlawyer.7 Another exception to the “commonly understood” test allows lay people to provide services that are commonly understood to be the practice of law as long as those services do not involve difficult or complex questions of law. For example, a California court ruled that the preparation of simple income tax forms was not the practice of 1aw.8 Another test used to define the practice of law focuses on the existence ef an attomey-client relationship. An example of this test is the Unauthorized Practice Rules of the 31d 4See, e.g., State Bar ofArizona v. Arizona Land Title and Trust Co., 366 P.2d 1, 5-11 (Ariz. 1961) (en bane) (describing history of the regulation of the practice of law). smeov’T CODEANN.§ 81.101 (b). GStateBar ofArizona v. Arizona Land Title and Trust C0,, 366 P.2d at 9 (“We believe it sufficient to state that those acts, whether performed in court or in the law office, which lawyers customarily have carried on fiom day to day through the centuries must constitute ‘the practice of law.” (citation omitted». 7Virginia v. Jones & Robins, Inc., 41 S.E.Zd 720, 727 (Va. 1947) (“As a practical solution ofthe question, it was deemed advisable to permit a real estatebroker to prepare simple contracts of sale, options, leases, etc., and to prohibit him from preparing legal instruments whereby the legal title to property passes fiom the seller to the purchaser.”). SAgran v. Shapiro, 273 P.2d 619 (Cal. Ct. App. 1954). 2 9/5/201 8 9:24 AM and client that any Supreme Court of Virginia, which states, “[I]t is from the relation of attorney client’s belief as to whether he practice of law must be derived.” Other tests are based upon the involves the application of legal or she is receiving legal services, whether the activity services provided affect the knowledge to the specific situation of an individual, and whether the recipient’s legal rights.” historically have used In addition, as Professor Catherine Lanctot has noted, “Lawyers incursions real estate the unauthorized practice of law statutes to protect against perceived by to be providing legal agents, bankers, insurance adjusters, and other groups that seemed practice of law. services?” Such concerns bespeak caution for any party seeking to define the Definition, Which, in our Accordingly, we urge the ABA not to adopt the current proposed lawyers and nonlawyers to judgment, is overbroad and could restrain competition between governments, the proposed provide similar services to American consumers. If adopted by state their competitive choices. There is no Definition is likely to raise costs for consumers and limit this competition and evidence before the ABA of Which we are aware that consumers are hurt by that the it. Consequently, we recommend there is substantial evidence that they benefit from proposed Model Definition be substantially narrowed or rejected. What specific harms the Model In doing so, we urge the Task Force to consider carefully is appropriately tailored to addressing Definition is designed to address, whether the Definition outweigh the reduction in those harms, and whether the elimination of any such harms would proposed Model lawyer—nonlawyer competition that could occur if any state adopted the President’s Challenge Statement that Definition. Neither the proposed Model Definition nor the of the harms the accompanies the proposed Model Definition provides a clear articulation Definition notes only in general Definition seeks to address. Comment 1 ofthe proposed Model law is the protection of the terms that “The primary consideration in defining the practice of public.” The Challenge Statement, in turn, indicates that: nonlawyers are providing services [T]here are an increasing number of situations where case law as being, or not being, that are difficult to categorize under current statutes and be partially responsible for the the delivery of legal services. This growing gray area may statutes across the nation and spotty enforcement of unauthorized practice of law problems related to the arguably (emphasis added) an increasing number of attendant delivery of services by nonlawyers. Section B, Definition of the Practice of Law (“Generally, 9VA. SUP. CT. UNAUTHORIZED PRACTICE RULES , advice to be practicing law whenever he furnishes to another the relation of attorney and client exists, and one is deemed use of legal knowledge or skill.”). or service under circumstances which imply his possession and 1° Department of Dispute Resolution See Guidelines on Mediation and the Unauthorized Practice ofLaw, http://www.courts.state.va.us/drs/up1/preface.html. Services of the Supreme Court ofVirginia, (2001),at Federal Trade Commission Public “Possible Anticompetitive Efi’orts t0 Restrict Competition 0n the Internet: of Catherine J. Lanctot), at Workshop (Oct. 9, 2002)(statement http://www.ftc.gov/opp/ecommerce/anticompetitive/panel/lanctotpdf. 3 9/5/201 8 9:24 AM C, The DOJ and the FTC recognize that there are circumstances requiring the knowledge and skill of a person trained in the law, and acknowledge the legitimacy of the Task Force's efforts to protect consumers in such situations. Nonetheless, While there may be legitimate problems related to the delivery of certain legal services by nonlawyers, the DOJ and the FTC believe that consumers generally benefit from lawyer-nonlawyer competition in the provision of certain services. This comment Will address the agencies’ interest in the proposed Definition by illustrating its potential deleterious effect in the areas of real estate closing services and e- commerce. We also note a wide variety of other areas in Which the proposed definition may harm consumers. We conclude that the proposed definition is not in the public interest because the harms it imposes on consumers by limiting competition are likely much greater than any consumer harm that it prevents. The Interest and Experience 0f the U.S. Department of Justice and the Federal Trade Commission The DOJ and the FTC are entrusted With enforcing the federal antitrust laws. Both agencies work to promote fiee and unfettered competition in all sectors of the American economy. The United States Supreme Court has observed that, “ultimately, competition Will produce not only lower prices but also better goods and services. ‘The heart of our national economic policy long has been faith in the value of competitionmn Competition benefits consumers of both traditional manufacturing industries and services offered by the learned a! professions.” Restraining competition, in turn, can force consumers to pay increased prices or to accept goods and services ofpoorer quality. Together, the DOJ and the FTC have become increasingly concerned about efforts to prevent nonlawyers from competing With attorneys in the provisiOn of certain services through the adoption of Unauthorized Practice of Law opinions and laws by state bar agencies, courts, and legislatures. In addressing these concerns, the DOJ and the FTC encourage competition through advocacy letters such as this one. The DOJ and the FTC have been concerned particularly about attempts to restrict nonlawyer competition in real estate closings, and have urged the states of Kentucky, Virginia, Rhode Island, and North Carolina to reject such restrictions, through letters to their State Bars (state agencies) and legislatures, and through an amicus curiae brief filed With the Kentucky Supreme Court in 2000.14 In addition, the DOJ has 12 National Society ofProfessional Engineers v. United States, 435 U.S. 679, 695 (1978) (citing Standard Oil Co. v. FTC, 340 U.S. 23 1, 248 (1 950)); accordFederal Trade Commission v. Superior Court Trial Lawyers Association, 493 U.S. 411, 423 (1990). 13 Goldfarb v. Virginia State Bar, 421 U.S. 773, 787 (1975); National Society ofProfessionaz Engineers, 435 U.S. at 689; see also United States v. American Bar Ass’n, 934 F. Supp. 435 (D.D.C. 1996). 14 Letter fiom DOJ and FTC to Speaker ofthe Rhode Island House ofRepresentatives, et al. (March 29, 2002); Letter fiom DOI and FTC to President of the North Carolina State Bar (July ll, 2002); Letter from DOJ and FTC to (continued...) 9/5/201 8 9:24 AM challenged in court attempts by bar associations to restrain competition fiom nonlawyers,” and 16 the FTC has challenged anticompetifive restrictions on certain business practices of lawyers. Our ongoing concern has led us to submit these comments. The Proposed Model Definition The proposed Model Definition would define “the practice of law” as: [Tjhe application of legal principles and judgment With regard to the circumstances or objectives of a person that require the knowledge and skill of a person trained in the law.” “a Under subsection (c) of the Definition, person is presumed to be practicing law When engaging in any ofthe following conduct on behalf of another:” (l) Giving advice or counsel to persons as to their legal rights or responsibilities or to those of others; ”(.. .continued) Ethics Committee ofthe North Carolina State Bar (Dec. 14, 2001); BriefAmz’cus Curiae ofthe United States ofAmen'ca in Support ofMovants Kentucky Land Title Ass'n, et aL, Kentucky Land Title Ass'n v. Kentucky Bar Ass'n, No. 2000— SC—000207-KB (Ky., filed Feb. 29, 2000); Letters fiom DOJ to Board of Governors ofthe Kentucky Bar Association (June 10, 1999 and September 10, 1997); Letter fiom DOJ and FTC to Supreme Court ofVirginia (Jan. 3, 1997); Letter fiom DOJ and FTC to Virginia State Bar (September 20, 1996). The Rhode Island, North Carolina, and Virginia letters may be found on the Justice Departments' web site at http://www.usdoj.gov/atr/pubIic/comments/commentshtm and the FTC's web site, http://wvyw.fic.gov. The Department of Justice letter to the Kentucky Bar Association is at http://WWW.usdoj.gov/atr/public/comments/comments.htm and the Brief to the Kentucky Supreme Court at http://www.usdoj.gov/atr/cases/f4400/4491.htm. 15 In United States v. Allen County Indiana Bar Ass’n, the DOJ sued and obtained a judgment against a bar association that had restrained title insurance companies fiom competing in the business of certifying title. The bar association had adopted a resolution requiring lawyers' examinations oftitle abstracts and had induced banks and others to require the lawyers' examinations oftheir real estate transactions. Civ. No. F~79—OO42 (ND. Ind. 1980). See also United States v. New York County Lawyers' Ass’n, No. 80 Civ. 6129 (S.D.N.Y. 1981) (DOJ obtains a court order prohibiting another county bar association fiom restricting the trust and estate services that corporate fiduciaries could provide in competition with other attorneys). 16 Federal Trade Commission v. Superior Court Trial Lawyers Ass’n, 493 U.S. 41 1, 423 (1990). In addition, the FTC staffhas conducted studies ofthe effects of occupational regulation and submitted comments about these issues to state legislatures, administrative agencies, and others. See, e.g, Carolyn Cox and Susan Foster, The Costs and Benefits ofOccupational Regulation, Bureau ofEconomics, The Federal Trade Commission, October 1990. ~ ‘7 Task Force on the Model Definition ofthe Practice ofLaw, Proposed Model Definition of the Practice of Law, § (b)(l), (Sept. 18, 2002). 9/5/201 8 9:24 AM (2) Selecting, drafting, or completing legal documents or agreements that affect the legal rights of a person; (3) Representing a person before an adjudicative body, including, but not limited to, preparing or filing documents or conducting discovery; or (4) Negotiating legal rights or responsibilities on behalf of a person.” “Whether or not they constitute the practice of law,” the proposed subsection (d) ofthe Model Definition would permit as an exception: (1) Practicing law authorized by a limited license to practice; 19 (2) Pro se representation; (3) Serving as a mediator, arbitrator, conciliator or facilitator; and (4) Providing services under the supervision of a lawyer in compliance With the Rules of Professional Conduct.” A separate comment states that “for a person’s conduct to be considered the practice of law, there must be another person toward Whom the benefit of that conduct is directed. . . .The . conduct also must be targeted toward the circumstances or objectives 0f a specific person. Thus, courts have held that the publication of legal se1f~help books is not the practice of 1aw.”21 The Definition further notes that nonlawyers engaged in the practice of law could be subj ect to civil and criminal penalties. 13 1d at § (c). 19A separate comment provides that pro se representation may mean representation “by an authorized nonlawyer agent ofthe entity in thosejurisdictions that permit such representation.” 1d. at Comment 2. 2° [a at § (d). 21 1d at Comment 1. i} .‘\_-/ 9/5/201 8 9:24 AM The Proposed Model Definition Would Prohibit Competition Between Lamrs and Nonlawvers for Manv Services The proposed Model Definition is overly broad because it would prohibit nonlawyers fiom offering a number 0f services that they currently provide in competition with lawyers to the benefit of consumers. These services arguably would include those that relate to real estate closing and related matters; wills, trusts and estates; and numerous other areas. Many ofthese services, While not “requir[ing] the knowledge and skill of a person trained in the law,” appear nonetheless to fall Within the Model Definition’s list of four types of conduct that are presumed to be “the practice of law.” Lay real estate closings are an area With Which the DOJ and the FTC have much recent experience, and they provide a specific and fertile example of how the proposed Model Definition would result in significant consumer harm. The proposed Mode] Definition has the potential to prohibit or to limit the lay provision of real estate closing services. Under section (c)(2) of the Definition, Iay persons apparently would be practicing law if they selected, drafted, or completed certain closing documents. Likewise, Section (c)(l) does not clearly define What is ” meant by “Giving advice or counsel as opposed, for example, to providing information. Under the proposed Model Definition, lay persons may not be permitted to answer certain questions about a purchaser’s mortgage obligations and other related matters (or simply may be chilled from doing so, When faced With the possibility of civil 0r criminal sanctions). Similarly, realtors routinely fill out and explain purchase and sale agreements, the basic agreements into Which buyers enter as the first steps toward buying a home. They may explain to consumers the ramifications of failing to have the home inspection done on time, the meaning ofthe mortgage contingency clause, and other portions ofthe agreement. They may also negotiate these clauses during the purchase process. Realtors often explain what is required by state law to obtain a smoke detector certificate, a termite certificate, and other certificates required by law for the purchase and sale of a home. Under Section (c) of the proposed Model Definition, all of these activities could be considered giving people advice about their legal rights and responsibilities (Section (c)(l)),l negotiating legal rights on behalf ofpeople (Section people’s (c)(4)), or “selecting, drafting or completing” legal documents or agreements affecting rights (Section (c)(2)). Other forms of lawyer—nonlawyer competition outside of the real estate context also could be eliminated or reduced by the proposed Model Definition. In the area ofwills, trusts and estates, consumers use inexpensive electronic software to complete Wills, trusts, and other legal documents. This software might be considered the practice of law under the proposed Model Definition because these applications assist in the “selection” and “drafting” 0f certain documents, and provide legal information and/or advice. Even though the software is produced for a mass audience and the proposed Model Definition indicates that conduct “must be targeted toward the circumstances or objectives of a specific person” in order to be the practice of law, .b/ 7 9/5/201 8 9:24'W" we are concerned that a state agency or court could conceivably view the interactive nature of these programs as rising to the level of legal practice. Consumers also obtain information or assistance regarding Wills and trusts from other lay sources. Hospitals and other organizations essentially compete With lawyers by providing living Will forms that prospective patients may complete. In some cases, these forms might be “selected” and “drafted” by the hospital and given to the patient by their physician. This practice arguably would be considered “the practice of law” under the proposed Model Definition. While it is impossible to develop an exhaustive list of all of the instances of lawyer- nonlawyer competition that might be eliminated as a result of the proposed Model Definition, other examples include: - Tenants’ associations informing renters of landlords’ and tenants’ legal rights and responsibilities, often in the context of a particular landlord-tenant problem; - Experienced lay employees advising their employer about What their finn must do to comply With state labor laws or safety regulations; - Income tax preparers and accountants interpreting federal and state tax codes, family law code, and general partnership laws, and providing advice to their clients that incorporates Q this legal information; and - Investment bankers and other business planners providing adviee to their clients that includes information about various laws. The proposed Model Definition arguably would cover each of these practices, and thus could preclude or inhibit nonlawyers fiom continuing to provide such services if the proposed Model Definition were to be adopted by any state. Moreover, to the extent the Model Definition is vague and ambiguous, the possibility exists that state agencies or courts will prohibit procompetitive conduct that the Task Force did not intend to include within the scope of the Model Definition of the practice of law. h. ' ‘ 9/5/2018 9:24 AM‘" The Public Interest Warrants a Balance of the Harms the Proposed Model Definition is Likely to Cause Against the Harms the Model Definition Seeks to Reduce or Eliminate As the Task Force has recognized in Comment 1 to the proposed Model Definition, “[t]he 22 primary consideration in defining the practice of law is the protection of the public.” The rules regarding the unauthorized practice of law should protect the public interest and should not be construed in a manner inconsistent with that purpose. The Task Force should weigh the harm that would be caused by the adoption of the proposed Model Definition against the harm that _might result if this proposed Model Definition were not implemented and lay persons otherwise afi‘ected by the Definition could continue to compete With lawyers in determining how best to protect the public interest. As explained below, the DOJ and the FTC are unconvinced that the adoption of such a broad definition of the practice of law would serve the public interest. By Prohibiting Nonlawyer Competition For Many Services, the Proposed Statutory Definition Would Likely Adversely Affect the Public bv Eliminating Competition and Raising Prices When nonlawyers compete with lawyers to provide services that do not require formal legal training, consumers may consider all relevant factors in selecting a service provider, such as cost, convenience, and the degree of assurance that the necessary documents and commitments are sufficient. The use of lay services also can reduce costs to consumers. Evidence suggests that the use 0f lay real estate closers provides a lower cost alternative for consumers.” Additionally, although accountants and tax preparers do not typically itemize the legal-related services included in their services, it is probable that the cost of retaining an attorney for those same services would often be higher. Advice and information about the laws fiom tenants’ associations and other advocacy organizations is often fiee. Will writing and other 22 See also In re Opinion No. 26 of the Committee on the Unauthorized Practice of Law, 654 A.2d 1344, 1345-46 (NJ. 1995) (in making unauthorized practice of law determinations, courts must examine "whether non—lawyers should be allowed, in the public interest, to engage in activities that may constitute the practice of law"); Unauthorized Practice of Law Committee v. State of Rhode Island, 543 A.2d 662, 665-66 (RI. 1988) (public interest must guide unauthorized practice of law decisions); Va. S. Ct. R. Pt. 6, § I (Inhoduction) (unauthorized practice of law statute designed t0 protect the public interest). BIII 1997, Virginia passed a law upholding the right of consumers to continue using lay closing services. See infia note 43 and accompanying text. Proponents of lay competition pointed to survey evidence suggesting that lay closings in Virginia cost on average more than $ 150 less than attorney closings. See supra note 14. 9 9/5/201 8 9:24 AM legal form fill software packages can be significantly less expensive than hiring an attorney to draft the Will or other legal document.“ These services plainly benefit consumers. By limiting the ability of lay persons to provide such services in competition with lawyers, the proposed Model Definition would eliminate or reduce many ofthese benefits, potentially hanning consumers in several ways. First, the proposed Model Definition would force consumers who would not otherwise choose to hire a lawyer to do so. For example, in the real estate context, under the proposed Model Definition, home buyers could be required to retain attorneys to write and interpret real estate purchase and sale agreements and provide other information and advice normally provided by real estate agents. Likewise, borrowers would have to employ lawyers to provide certain real estate closing services that nonlawyers currently provide Without charge. These additional costs would be incurred by home purchasers, as well as consumers refinancing their existing loans or obtaining home equity loans or second mortgages. In the area of wills, trusts, and estates, consumers who prefer legal document software arguably would have to hire lawyers under the proposed Model Definition.” In other areas, businesses and individuals that rely on accountants and bankers who provide legal information along with other services arguably would be required to hire attorneys to provide that information. Hence, the proposal could increase costs for all consumers Who might prefer the combination ofpriee, quality, and service that a lay service provider offers. Second, the proposed Model Definition, by eliminating competition fiom lay persons, would likely increase the price of lawyers’ services, because the availability of alternative, lower-cost lay service providers typically restrains the fees that lawyers can charge. Consequently, even consumers Who would otherwise choose an attorney over a lay service would likely pay higher prices. That was the conclusion that the New Jersey Supreme Court reached before ultimately rej eating an opinion that would have had the effect of eliminating lay real estate closings. Evidence gathered in that proceeding indicated that in parts ofNew Jersey where lay closings are prevalent, buyers represented by counsel paid on average $350 less for closings and sellers represented by counsel paid $400 1ess.26 Third, the proposed Model Definition may hurt consumers by denying them the right to choose a lay service provider that offers a combination of services or form of service that better meets individual consumer needs. For example, consumers may choose to use willmaking 24 While the bill for an attorney to draft a will and trust can easily run into the hundreds of dollars or higher, retail software is available that permits the consumer to drafi a will for less than $100. 25 The official comment to the proposal contains an exclusion for conduct that is not "targeted toward the circumstances or objectives of a specific person," and observes that publishing legal se1f~help books is not the practice oflaw. Despite the growing presence of electronic commerce in our economy, the statute makes no exception for such software, which is ofien more interactive than a book. 25 See 1n re opinion No. 26, 654 A.2d at 1348-49. Ct~‘/ 10 9/5/201 8 9:24 AM Consumers Who cannot afford software because it is relatively easy and convenient to use. other advocacy lawyers may instead seek out the assistance of tenants’ associations or services also organizations for legal information. In real estate closings, some non-lawyer nontraditional times (such compete with attorneys on the basis of convenience to close loans at Moreover, closing loans as evenings or weekends) and locations (such as the consumer’s home). consumers buying property by mail or the Internet utilizing lay services is a common practice for broad definition of the or refinancing loans in some states. For these consumers, an overly significant barriers to practice of law, prohibiting lay closings, could raise costs and erect electronic commerce if enacted in these states. out—of—state service Fourth, the Model Definition could reduce competition fiom lenders compete providers. In the real estate mortgage market, for example, out—of-state may by in—state institutions. offering lower interest rates or more attractive loan packages than similar With in-state These lenders may not have a significant in~state presence and may instead contract their entire loan application and lay providers to close loans. Some of these lenders conduct customer approval process Via the Internet, simultaneously reducing costs and increasing to close convenience. The Model Definition, if it requires attorneys (0r their lay employees) lenders. loans, has the potential to impair substantially this competition between Impact on E-Commerce consumer In addition to the significant restrictions on consumer choice and increases in the non—electrom'c reahn, costs that flow fiom an overly broad definition of the practice of law in and such restrictions are also likely to impede substantially the growth of e—commerce are delivered, software—based solutions. The Internet is changing how many goods and services that the and consumers benefit from the increased choices and convenience and decreased costs the growth of Internet can deliver. Yet over-broad restrictions on the practice of law can impair electronic provision of forms or other e—commerce by (1) prohibiting or increasing the costs of lenders Who rely legal self-help computer programs, (2) negatively impacting Internet mortgage to experiment and develop on lay real estate closers, and (3) restricting the ability of providers new forms of Internet services touching on legal matters that could benefit consumers directly. Many consumers, for example, use inexpensive electronic software to complete Wills, in the software are selected trusts, and other legal documents. The forms and choices contained and programmed by the software companies. The consumer answers basic questions posed by using the application, Which then automatically completes a Will or other basic legal document standardized provisions that are based on the consumer’s answers. The consumer essentially ofl‘ers based fills in electronic “blanks;” however, the application sometimes advice on information provided by the consumer. Consumers may be advised to designate two trustees, in appear to the event that one trustee dies. The Task Force’s comment to the Definition does not services. address this issue of interactive software or the issue of similar electronic or automated L. 11 9/5/201 8 9:24 AM With respect to software such as this, the case 0f Unauthorized Practice ofLaw Comm. v. Parsons Technology, Inc.” is instructive. Parsons Technology, the publisher of a popular legal software program, was enjoined fiom selling its product in Texas because the district court concluded that the software constituted the unauthorized practice of law. The Texas legislature subsequently enacted an amendment to the statutory. UPL definition providing that "the 'practice of law’ does not include the design, creation, publication, distribution, display, or sale [of] computer software, or similar products ifthe products clearly and conspicuously state that the products are not a substitute for the advice of an attorney."28 The FTC recently held a three-day public workshop examining potential new barriers to e-commerce in ten different industries.” That public workshop considered whether states have enacted regulations that may have the effect of aiding existing bricks~and~mortar businesses at the expense of new Internet competitors and whether private companies may be curtailing e-commerce by employing potentially anticompetitive tactics. Two panels, concerning real estate/mortgages/financial services and online legal services, dealt specifically with matters implicated by the prOposed uniform Definition. Congress, as well, has recently begun examining these same issues, and has indicated it will continue to examine how legal restrictions may work to impede e—commerce.” George W. Jones, Jr., the President ofthe District of Columbia Bar, remarked that “the tremendous uncertainty as to the line between providing legal advice and providing information about the law is a maj 0r impediment to development of Internet services?“ While the FTC is still evaluating the testimony and evidence from the workshop, one thing is clear already: when restrictions may foreclose potential new Internet competitors, one should proceed cautiously, mindfifl of the unintended consequences that may unduly limit the choices of consumers. 27179 F.3d 956 (5m Cir. 1999). 281d ”See Possible Anticompetitive Eflorts to Restrict Competition 0n the Internet, Federal Trade Commission, Public Workshop (2002), at http://www.ftc.gov/opp/ecommerce/anticompetitive/index.htm. 3OSee State Impediments to E—Commerce: Hearing Before the U.S. House ofRepresentatz’ves Committee 0n Energ) and Commerce, Subcommittee 0n Commerce, Trade, and Consumer Protection (2002) (statement of Ted Cruz, Director, Office of Policy Planing, Federal Trade Commission), available at http://www.ftc.gov/os/2002/09/020926testimony.htm. “Possible Anticompetitive Eflorts to Restrict Competition 0n the Internet: Federal Trade Commission Public Workshop (Oct. 9, 2002)(statement of George W. Jones, IL, President of the District of Columbia Bar), at http://www.ftc.gov/opp/ecommerce/anticompetitive/panel/jones.pdf. 12 9/5/201 8 9:24 AM There Is No Indication That The Proposed Model Definition is Needed to Prevent Significant Consumer Harm According to antitrust authorities, restrictions on competition are generally considered harmful to consumers and, accordingly, are justified only by a showing the restriction is necessary to prevent significant consumer harm and is narrowly drawn to minimize its anticompetitive impact.” A showing of likely harm is particularly important When, as here, the proposed restraint could prevent consumers from using entire classes ofproviders. Without a showing of likely harm, restraining competition in a way that is likely to hurt consumers by raising prices and eliminating their ability to choose among competing providers is unwarranted. The DOJ and the FTC are unaware of any showing of likely harm that would justify a broad definition of “the practice of law” that would effectively preclude many nonlawyers from providing efficient services that are beneficial to consumers and serve the public interest.33 The agencies have not seen any factual evidence demonstrating that consumers are actually hmt by the availability of lay services.“ Many 0f the proposed state bar agency unauthorized practice of law opinions that our agencies have reviewed set forth no factual evidence and little evaluation of how the ability of lay services had actually hurt consumers.” The Task Force provides no evidence of consumer harm to be remedied. Neither the proposed Model Definition nor the statements that accompany it articulate or substantiate any harm to the public interest against which the Definition is designed t0 protect. The Challenge statement accompanying the proposed Model Definition notes simply that there is “arguably an increasing number of attendant problems related to the delivery of services by nonlawyers.” Even if the Task Force were, notwithstanding the lack of stated evidence, to conclude that consumers are being harmed by the lay provision of certain services, any proposed Model Definition ought to be appropriately tailored so as not to prohibit lay participation that is beneficial to consumers and in the public interest. As drafted, the proposed Model Definition does not appear tailored to address any harms that might conceivably occur. 32 Cf. F.T.c. v. Indiana Federation ofDentists, 476 U.s. 447, 459 (1986). 33 See DOJ and FTC Letter to Rhode Island House ofRepresentatives (Mar. 29, 2002); DOJ and FTC Letter t0 North CarolinaBaI (Dec. 14, 2001); DOJ letter to Kentucky Bar (June 10, 1999); DOJ and FTC Letter to Virginia Supreme Court (Ian. 3, 1997). 34 To the contrary, the greatest fiauds involving Virginia real estate settlements in Virginia in the 1990s were perpetrated by two attorneys, one ofwhose schemes cost home sellers and lenders nearly $5 million. See DOJ and FTC Letter to Virginia Supreme Court (Jan. 3, 1997). 35 Moreover, a 1999 study by Professor Joyce Palomar found that the public did not sufi‘er significantly greater supervised losses fiom title defects in states where lay persons examined title, drafied mortgage documents, and Fire!” closings. Joyce Palomar, The War Between Attorneys and Lay Conveyancers-Empirical Evidence Says ”Cease 31 CONN. L.REV. 423 (1 999). 13 9/5/201 8 9:24 AM 'II Furthermore, the proposed Model Definition will not guarantee that consumers will have their best the benefit 0f independent counsel or the ability to stop transactions that are not in estate loans, the interest. For example, in many states that require an attorney to close real While attorney can be the lender’s lawyer. These lawyers do not represent the consumers. they might provide some legal explanations to consumers, they could not advise buyers about Whether about all a particular deed or loan term was in their best interests. Nor do they advise consumers a purchase and of their legal rights.“ Similarly, if an attorney employed by the seller completed this sale agreement and performed other services normally provided by real estate agents, attorney would represent the seller, not the buyer. a lawyer’s Likewise, Section (d) (4) of the proposed Model Definition would allow lay employee to provide certain services so long as that employee is acting “under the supervision of “Supervision” is term a lawyer in compliance With the Rules of Professional Conduct.” a vague “services” and presents the risk that no lawyer necessarily would be present while the were being this might be performed. If it is the practiced eye ofthe lawyer that protects consumers, then eye absent. Moreover, the Model Definition would not assure that lawyers who perform tasks will be experienced or have specialized knowledge of the field in which they are performing the tasks. Any attorney could perform the services. For consumers, the services of a licensed lawyer may well be desirable in many situations. A consumer might choose to hire an attorney to answer legal questions, provide legal advice, research the case law, negotiate disputes, or ofi‘er various protections. Consumers who hire attorneys may get better service and representation than those who do not. This is, however, no reason to eliminate lay service providers as an alternative.” Rather, the choice of hiring a lawyer or a nonlawyer should rest with the consumer.” Less Restrictive Measures Mav Protect Consumers Costs that the proposed Model Definition likely would impose on consumers should not be imposed without a convincing showing that lay services have not only injured consumers, but also that less drastic measures cannot remedy the perceived problem. We believe that this is an issue that the Task Force should address and examine in much greater detail before opining on the optimum definition of the practice of law. If less drastic alternatives are available, they should be incorporated into any proposed statute. It is important to consider all of the facts, to “know all of the implications ofthe prohibition and its impact on 36 See DO] and FTC Letter to North Carolina Bar (Dec. 14, 2001); DOJ Letter to Kentucky Bar (June lO, 1999); DOJ and FTC Letter to Virginia Supreme Court (Jan. 3, 1997). "See 1n re Opinion No. 26, 654 A.2d at 1360. 381d . .\ l4 9/5/201 8 9:24 AM of the the public” before foreclosing activity as the unauthorized practice of law.” The purpose “‘to public’s right power to declare activities to be the unauthorized practice of law is serve the ofthe law. to protection against unleamed and unskilled advice in matters relating to the science classifications and focus instead on the public’s . . in these eases we must try t0 avoid arbitrary realistic need for protection and regulation.’”4° others Thus, until demonstrated otherwise, accountants, bankers, real estate brokers and to their skilled in business should remain able to provide advice and legal information related particular practices Without harming the public. This already occurs every day in multiple advice instead jurisdictions With little 0r no evidence that consumers would benefit by the same being provided by an attorney.“ Less restrictive alternatives are available to protect consumers. In real estate closings, for example, the New Jersey Supreme Court required written notice to consumers ofthe risks involved in proceeding with a real estate transaction Without an attorney.“ This measure permits consumers to make an infonned choice about whether to use lay closing services. Virginia, 1997.43 confronted with similar issues, adopted the Consumer Real Estate Protection Act in This statute permits consumers to choose lay closers, but requires the state to regulate them, providing safeguards through licensure, registration, and the imposition of financial responsibility and rules for handling settlement funds. Though more regulatory than the New Jersey approach, the Virginia approach is clearly a more procompetitive approach than an outright ban on lay closings.“ Conclusion By including overly broad presumptions of conduct considered to be the practice of law, the proposed Model Definition likely will reduce competition fiom nonlawyers. Consumers, in turn, Will likely pay higher prices and face a smaller range of service options. The Task Force ”see In re opinion No. 26, 654 A.2d at 1357. 401d, citing In re Applications ofNeW Jersey Society of Certified Public Accountants, 507 A.2d 711 (NJ. 1986). “We also note that there is no explicit guidance provided governing the application of criminal penalties to the unauthorized practice of law. It would seem reasonable that criminal penalties would be reserved for the most egregious of offenses so as to avoid a chilling effect on otherwise legal lay service providers who do not have the expertise to define adequately for themselves the exact contours ofthe practice of law. 42 In re opinion No. 26, 654 A.2d at 1363. 43 VA. Coma ANN. §§ 6.1-2.19 - 6.1-2.29 (West 2001). 44 The Virginia approach cam'es some risk of consumer hann, since licensing regulation itself can be used to thwart competition. See Cox and Foster, swra note 16. 15 9/5/201 8 9:24 AM would justify these makes n0 showing of harm to consumers fiom lay service providers that has concluded: reductions in competition. As the New Jersey Supreme Court disserves the public: this Court Not every such intrusion by lay persons into legal matters practice of law does not wear public interest blinders When passing on unauthorized of the practice of law, questions. We have often found, despite the clear involvement decisions on the public that nonlawyers may participate in these activities, basing our interest.“ of the practice of law, Likewise, the Task Force, in recommending a proposed Model Definition craft an appropriate definition of should allow lay competition that is in the public interest, and and benefits of lay the practice of law that is based upon a careful review of the harms participation in any service that the Definition would cover. 45 . 1n re Opinion No. 26, 654 A.2d at 1352. 9/5/201 8 9:24 AM O, The Justice Department and the Federal Trade Commission appreciate this opportunity to present our views and would be pleased to address any questions or cements regarding competition policies. Sincerely yours, /s/ R. Hewitt Pate Acting Assistant Attorney General /s/ Jessica N. Butler—Arkow Attorney United States Department of Justice Antitrust Division ‘ f By Order of the Federal Trade CommissiOn, /s/ . Timothy J. Muris Chairman /s/ Ted Cruz, Director Office of Policy Planning h. 17 (A) On timely motion, the court by which a subpoena was issued shall quash or modify the subpoena if it: fl/ O‘