American Land Title Association Loan Policy issued by Old Republic National Title Insurance Issued...

8/9/2019 American Land Title Association Loan Policy issued by Old Republic National Title Insurance Issued 09-07-2006 ATS-6…

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Poricrnumber MM 6591283SUBJECTTO THE ECTUSIONS FROM MVENAG€, TTIE EXCEPIIONS FROM COVEflAGE CONTANED lN SCIISXJIT B AND T}tE CONDMONS

'f'IO$ruLATIO{IIS,

U-O nffUzuCHATloMl- TITIE INSt RANCE ColtlPlrl,lY. a Minnesola csporatist. hs8in calld the Csnpary, insres, ss st tlaE of roisf

*ou.,o-in-Sctr*ub A" ag6imn hss oiOamaW, na ucssdir4 the Arnourt of Insurance staEd in Sdedule A, susEined or inatned by fre insured b mssofl stl. litle o ttE €sffi or innrst des1ibd in Sdrdrle A beirq rerEd o$a than as saG| tfwsin;

L Any &fsG't in 0r l'nn q encurfirams 0n th€ title;3. Umark€mt$lityoftEtids;4. takota ffi of mststdfrsnths M;5. 'lhe invatifity s wenlorcssbility 0f tle lisn of tlrs itEured mutgry upt the tide6. The pdsity sf any lien 0r orasnbrarrce o$r tfie lien of tte insurd mor$o €;i. ta41'of dfoty of tte lien of fp insrred morBEgE owr any statutuy lien lor services, labs s rnabrial:

lal ari*rp tiam an inprosnent or wwk retited to fp land wt*ch is conramd fol or csnnsrced pds to l)aE of PoILY 0r

ibi adsini trun an imirourwrt or wu* rekd to dra hnd wtlch is wttrated b 0r commerd $bs€quent b llab of Policy and ndtidt is finamed in vdtde

orn frnq proce*s of tre'rdgte*ress secured bytln inswed rmrqage which atoau of Policythe inswed-tps advanced or is ouigadto dvaw;g. The inralldity 6g irirenmrcdnfty of any assigrunont of tre insred mor6:ge. providd the assignment is $gf in Scbedule A. s the hilure of the assfunment

strq,nr in gfpdule A to vest title to the insuied mortgaS€ in ths named insured assigne free and cleat of all liens'

fnr Conn*w *illalso psy tE cosr, stbnerys' tesind upsrses inflrsd in defons of the tids c the llen of fe insured mortgage, c insured but mly b fieexmnt prwidsd in ths Coditions ad Stipdations.- -

if wnr,frss wHEnE0r. frs iaioOi.o nnpUc NATI0NAI TTTLE ltlsUBANcE C0MPANY has caused its corprate nrme and seal b bs herewto stfrsd ry itrUuty auttrorircd officerc as of fre dsb sh6rrilr in &hsdule A, $e polic.y m bs ,ralid wfen cowtersigned by an autrorized offica or agent of the Company-

DCLTJSIOI.IS FROM COVERAGE

Tle foltnrying rratters are expressly erclded from the cw8rags of fris polic'y ald tre Compary will rnt pay loss w danaga, costs, attotnBys' fess s expsnEss

whic{r arise S teasm otl. {al Arry hw, orOinance or goysmrnffrtal regulation lincluding but nat limited tobuilding and mnirq laws, ordimnces, or regulatbnsl resuicting, regulating,

pmiribitilg or retating 6 (t) thr o.ruprrr, use. or eniryient of the land; liil the characmr. dimensions or laatiwr of sry improenent now or hereafter

er*tsd m the laflt-niiid

lepenation in wmership oia'change in the dimemions or area of tre luld or any parcsl of vrtidr the land is or nas a part d livlrn iront'"omf eoffitn-, orft *u"t U any vioiation of thg$e lavrs, srdinancos $ gt)ttemmenlal reUu.lafiqrs. excep to ttlslq$ tryl a rBti:a of th8

snfuGsrnelt thelBol or a notice sf a dsfsl ikn or durnbrarcs r€sthing ftom a vidatim or all@ riolatbn affecting tt}s land tras bss[l record8d in ttE

publlc racords at lhb ot Policl'

{bl lry pnnw*er,taf pofice pordr nm ercluded by la} above, except to t}n sxteni $at a noiico ol the exercise tlereof or a notice sl a defect lim or

endumuoms rgsuhirg frim a vi*ation u alhged violation alfecting fte hrd has been ruordgd in tle g$lic rmrds 8t Date of PolicY.

?- Rigtrrs of emirnnt dqnain rirless nst'ee sf tE erercke trereof has been re€dd€d in tha puHic rsqds at tlate of Policy, brn not exclding frun mnerage ant

raftrq rvhidr has occwrud gis b thte of fulicl utrfrch,aruuld b bindirq on the righB of a gnchasar fr valus wilheit ktffi,M$.

3. tlsfsis, lhns,encumbramss. advgrso c{aims or ot}s nnners:

lal Sef,tsd, $ffered, assunnd w ageod o 4 tre irsuled cbimant

ifii noi ffior m *"'Cglnprtw..rt fuU* ii tre pttic r@rds at Date of Policl. but hot'vn b ttE insurd chimnt ard ngt disclos8d in writirq to the

CsnpanV by tre imured ciaimffit pis u tre dab ttp insund cleimant besne an insulBd wdsr this dicI(c) reuhirry in no loss c damge to ths insumd daimafiidi attdrirfr u cremd srfu€dgfrt 0 Date of P0lby lexces to ih€ extent Stat $'B pdicy insres fro pisity ol tF tisn of ttn inswed mongago $ff Erry

rtanrwy liar tw svics, hbor s rubrialf w{el rmrttinj in toss or funage wtrich vrnuH not harre bsr susbined if tre irwrred claimam had paid valw fa ttm in$Jrd mstsage.

4. ijnmtomatiiity of tre lier of fug insumd nwtgap bscaurs of ths inabilityo failwe of fte inssd st tkb of Pdic1, or ttn inability or failwo st any

"tseqsn1orvrEr of ttp ir@esg m csrqtty-witr apd'rcabh 6#E businels lfrfr of $s stste in $fibh ttle kd is sitrH.

I rr,,ari,i'r,, q' uttr*r.olliitvirr G tiri * ttE iil{ssd rn;tgae. qrtaim ttcreof. wt*ch adsB qrt Df tis tsarEsctioil flidsd 4 t'e insrsd mortgry ard i$

bosed r4or rsry or eny wwnrer rdh wotmdot 0r tufi h btdilq hfl.6. anv sntrtofl, n6 tu rffi; hbtr * tdmtiats (0I trs claim of pblry of any sutuwy llen fs s$vi{Bs, lab s nl8tsials ors ths lig| of tta irHFd--

*itg5grf"isilq

rrmr an im-rovsnsn s umrt riumo m tre hil #tiAr is contrsM io ard cunrwd arbquent to uate ol Policr ryd is mt fimrd in

"*rofrn in gt ry gocs€ds bt fte ir6g|rEdw sscured b $o in$rsd mrytgage wfridr at lhte of PdEl t€ inssd has dratEed s -n

oHigstd to 86ffFe.7 " Ary ;hi*;-fihkt aisei drt 0f ths uansatiwr crealing frg imerBt 0f tu mortgagee insured 4 dris drtr, by reoson qt ttE operatim of ft&nl baflkuptY,

sau inmtwmy, or similar sdiffis'rigfrts laws, that is hsed on;Irl fu trsr*;rdur creatirq te inuwt of tlia inssd rmfq4s bsing deffIed a hard.rlent mryame s ftau&kfit tsslq siti m omUnarl* st G intg{6t C tE in$sd nortg4ee as a reurtt ot tre apthatim of tte dmire of quitdh skdinair'on; or

i.t tFrarffircr6dr1g U* i.,grrtotUr"kHEdfiu6&mbirgdenrsdaHsfarwrtkdffiBa#Yfuetepdste]tialrdfldcmdefrom Sefailwe

til b timdy ]ffird te irFrullEflt 0f t'amfer stiil of $dt rsordaf m to impart rrtke to I purch€ser fot wlue ar 0[B ;EPUEU6 HAn6[ru. XTtt€ IXSURA;GE GgtrFAtlY

afisrrwtqlbtsEdits- Aso**etwyytr$ddna4d,Dhs Of{Fseof

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AfllIsnCTXTL.tr&Stll,S'StrT SEnffSt, Ll,C

ArdnpildS'gnuy dtest sxmmry



. coNDmoNsANDsnn[Anoils

l. Detinitiwotfear*The folloring nmr wlr€r rnsd in his policy nrean:

lal 'imurstr: lfu lrurd nared in S*eduls A tho ttrm "insred- almincldu;

(il fpornsof teitffitdms s$rsdhythe insredmortgageand eadr srrccessr inoms$ip of tr irxbbtdnss ffiptasrrcwrwho ls an dligs underte pmvislmr of Sectim t4clslttpseCurditkns ad Stiprlgtitxs lresvfing, tnranr, all dgltb ad &fosgs ar t0any Emsssof tll't ilp csnpilY Y*q|H tpw had ryinst arry troffi runrd. rnhst tre srncess qrircd ths itffims as a pul$reer kvahp with$t loovlsdgs 0f tha mard defest lisr, mmmhamg. dvaseclaimo*odsrutu insud 4eitEtbTttis plicyas affoclirE li$eb iltssdate or inbnst'm lfp lad[

tiil ofly gcrflrtgtEl ageml or gorcmrcnbl kEtumfftalitYwtrk*r is an insror0rgwnnbr uds an inuralEs c0nEactff Sstrltyiruilrirgc Sruanboirgtle ind*tedne* soussd ryfE ilrerEd rns{slp, oreny pailttram|. ufptls narnd as an imud herBh wmu

liiiltB pailftn dsdgmted in Seciur 4alof tpss Coditiom adStiprlstisrs.

tbl "insued claimanf: at inursd chiming loss ot &rup.(cl rknsrrkdgs'0r 'krovn': stpl hto*la{g. rpt crytsfrllctlYs

lcrode&arnotkewfrk*rnsyb imped t0 al itrsrd ry ressm of dEpuHic lmrds at dsfinsd in fiis plicY q any other reccds wttkh impon

consBtrcriyo rwtlcs of manss afMrg the hnd.tdl 'land': ttp tand &scribed oneterad to in Schedule A atd

improft$ents affired ttsratowhidt by hworstiMe lgal pmperty'The tem'land' does nm includo any propry bryud ths line of ths arsa descriH wrBfBnBd b in Schedu{e A. n0{ ffiY rght tide, inbrcst e66ts fi oasemalt in

ahrtting dheets, mds, avenrro. alleys, lanes, wrys w waterwrys, hn tdtinghenin dmll nndily or limil te exeirt to s'hich a riqht of access b and ftom thsland is ksured by ftis pdisr.

. (el 'm0tt04a': mo.Qsga. d80d of trust, rust &ed, orother security

insbursrttfl 'prblh recor&': mcor& scmili$ed udet sEto sFtrtBs at Date of

Policy fu tre psnose of impiliry srtrntive rptice of mtteIl t*tiru n rmlpfwty E Ffidwts fu tchB and widmt howHge. ll|ftdt rgpoct bSecfur llalM of fe Erclusions lrom Covsra$, 'publh tw&' shall also

' inch& erwironrental potectiur lbns fibd in tlp rewdc of tlp dst of theUnitsd SIBES Disb&n Curt fu tE dstkt in whk*t the htd is locsH.

lsl 'urna*etalflivof thetids': an all@rapawt rnnaoffectiry ttr title to tle lad. mt oclu&d or

rydftsn co$r4e' uh'rdt

would enrilb e ntdraret 0f UB ssbts or imerest desiH in S$dule A orthe insurd morErytob t€loded fqntpobllgatimu grchas Hvittw ofE cmtnc0rd condtiurrqrifiqfn dirslof ma*etabh tids.

2 furthurf*nof kwratrr'lal Afw Acnr'sitim of lide Tte covaage of fiis pol'E'y $all continw

" .intoneffi lilan insmdrntnacquiresallwanypart-r 0f tfis 6ffi c interest in ttB lalrd Y Mmre. tuste's ssle, GmvqFffis in

, liarsf fordwrre,modra legalmarnrwtrk$ dsdurges fia liat ol0e:' insrd nnruw; {iila raruhls 0f dp esEta 0r inEnst m acFirsd frsn ilI lnsred ccpratton, pot*hd tu tsufuee i8 fis palent tr tttdly'olvtud' srtaidkrrof tb lnsred csFatkn, ad tpkorpsae swce*rmh

operstimdhwsnd rntryp$dus, suhie*maty dgl*s r&fens tle' ConparynsylH,€ sgaimtstY pdmessirsredE and (iiilmv

. sosffnsltd ags{ETor goremrEflElimtrrcnentality*ttkfiquiret all u my

' psrt0f dEestateorimrut graxtua coru*of itHuaIEB olglnfstltyinuriq orguaranteeittr6s indetbdtrcs sm.ld W dF imred marEags.

ftl ,rfur Cqrwrara of lida. Tte mcr4e of ttis polhV shall mntirxein fucsm an inssed only so lug as tre insurdrstairr an 6iato s inusst h dp lad. or hokb ot it$Mm sosrd 4 a

nrdram rrspv rprE3ge givsr W a Fjrd|asfisn tt|B ifEilod' or ody mb4 ata inaurcd dnll tws I'labillty by rmrm of couanenB of bvamnty rcde'by tc irwred in ary rarsfer w cswefame of tlp esEb oI inffi This pollcy

drall mtcontinue inforu in fa,orof sryprdw frsnttn irnur€d 0f ei$erlilsn 6uits $ inHe$indrs hnd, c(iilan in&hdnessssredbya rrdEssfrwr6ymors4egi'JBrtottEi|r3ured '

lcl Amount of InsunEnca. Ths amqrnt of inslrarrs atbr the aquisitionor atelffiffiffiiEiifrInither etfft eM tE lssst oft

lil ths Allmnt 0l lnsurarc statsd in Schdule Atiil thg amoum of the pimipal of trc indffiBs secilrsd by Uts

insumd nnrlpoge as of Dab of Pollcy, inBest $eteon, srpgtsgs otfuedosre. arnurts sdflEed pur$&ltto srs i|ler€d rnonDags b a$ur8cmrpliemewih lawsrto gotecttr lien of tn insrrsd moIEaS piqbtFtime of aquisitio.n of the eshts or inbrest in fte land atd smrd thereby ardrsasoflabls allu$b eryM to prcwnt daairation of irpowrnE{ts, httrdrd S ttn arunt of atl poyns|6 mad€: 6

(iiil tro amurnt paid by any mvsrnrnenbl agEnsf fi gwsmfiEntalinsrunarblig, if tn agwrl r irstrurnnblity is tlB inssed daimsnt in dEaquhition of tle estab 0r intsrost in salisfaclim 0f 'tts insrance contact rstralty.

& lktirc of Chima bo glris'' W[$urd gdinafitIhe lrurd $all notil $e ComFny Fnptly in witing{ilincase 0f anY

litiptkrn as set fortr in Salion 4{albelor, liil in case knodefte sllatl comem sn inr{red tsieuldsr of any c-faim of titlo or interwt wtrich is advrs b theti& b tE esEte dinErost6the lien of $e iwrd mortge a insured.ard which mfuht causs hs or damap for whi$ the CompsnY msY k liahhby vlrm of $is irolicy. or liiil if title t0 tE estats or intgrost 0r ths lien of thaimurd nnrtgage, as insurad, is rc *td as wursftgtabla It prompt notissshall mt b gitst t0 tE Corlpony, drsr as to tha insured all llability of Ute

Cqtpily shall teminate with regard to tha mattsr oI nnttefi for which trqnptnstLE is requimd; fwirted, tmrwv€l, tiot failuro m nodfr the CompanY shallin no cass gejudice tln dghtr ol any insured under this policl unless ttm

Cornparv shall be feiudicedby

the failureand th€n only to ttg ertent of $e

treiudice.

4' Defrlalr addPraswttionof Acfiuts Dutyof lnswedClainafibW.tal lJpon written rcquest by fre irsured and subict o the optiom

contaansd in Section 6 ol tltso Conditions ffid Stipulatiwn, tho Gunpany at inwm cost and without uru€65onEbls dehy, $all povide for tn dekss of an

insred in litigat'ron in wtrich any thid P6rtY ffiserts a clsim sdvens to tE titletr idssstas in$rd, butmhas to tnsa slated causesof actinalhiuadstest lien or'suf,ilbnrrct q other mathr insrd against h tris polict. IlpCornpany shall tnue *re right to Esl€ct counsel of its choics lsutitrt t0 SE &htof the insured to obi*t furueasonaHe causel b GprBsent tE in$rsd m t0thsso statBd caus of aclim and *tlall not bs li*le for srd lvlll rnt psy $5fees of any othei cqnsd. ne Compffy will mt fav aty hes, ctsE orexperrces imrr*l by the insurd in ths dolensc 0f those mures of actiffi whidl

allegs msrcrs ilrt inswed against by$is policy.{bl Tte Gomanv drall haw tB ri$t, at ils ovfl cost b institute atd

pos€cub any 8c'tiwr or pocaedrq or to & any otler act whi$ in if op$nistmry be rwsssy s desirat$e to xufrli$ tle tite to tE sstats or intsr€st qtra lisn oltB ir.nrrad nungage, as in$rsd, orm trR€nt ot rcdps lNqdanam to 0m insrd. Ttp Connryry rry bke any apryiate ttim ude{ ftsEilIE 0f $k pdicy, wtntler or not h $all be liaHe hsarftr. ad stnll mffit &Ee# liability fi waiw arry puvision of $is poliry. ll tp Oornpany

drall exercis iE riglrt urds t'tis psrqradl it dlall do s dilig$tly.(cl Wtenever te Conwry drall lsrn bmrqht at adim w ifiar@ a

&foffis as requid o gmined by tle Fodsiors sf dtfu Pdt€f, tF OomparynpV nnnp any lit'€atiqr to linal d*wmination by a cqrt 0f competfftMsictimand egessly rmerues tlu tight in its slediscrutim, b amslfrorn any dem ir$nmt or s&.

ld) In allcases udss tris pl ry permiF u lquins tho Company t0

fosm or foryi& for tE dsfuns 0f ary auirror

pdirg; tln inrrddnll sffiEE ts tF Csnpanytte dght b so pms&Jt8or fsvide defum in ttnm{bn or pMirU. ard all Wpsals tlwsin, std pmit $e CornaU t0 lts, 8t'rb option, tle rsne of tre irsurd fu t'ris purpase. Wwew ruql€$d ry feCcrnpalry. 0e iffirEd. * Sp Cottptt's s$€Bs, dlall gdvs ttn Gennpany allreasonaHg aid lil in ary ctkm or proceedirq. strirg widsrrs. obeini4wirws, gwecutirq or defsding tle actim or proding. retfectitgsertdgnefiq and liil in srry otnr lsrvful act whidr in $e odnion of tle Cunpafiy

mry b recmsary or kir$le b esf,aHish tts t'tb t0 $e stste 0{ inlsrBst 0tt}u lfun of tle ilsrd rwtgap. ro irnrred. fi ttg Cdnpary ir feitdid 4 fufeilure sf t€ ir$rd u ftcni$ ths tsquird cmperatim, fB Cottpttt's



$; OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY

SCHEDULE A

2.

3.

Name and Address of Tiile Insurance Company: Old RepuHlc lthtionaf Tite Insrance Gompany, {00 SecondAvenue Soulfi, Minneapolls, illnnesota 53101

File No.: ATSS479Loan Nb.:

Address Refererne: 38 Lynn Drlve Byram, l,|J

Amount of Insurarpe: $352,00o.mDate of Pollcy: September T,ZW1. Name of lnsured:

Policy No.: MM 889128it

Premium: SB17.m

Welle Fargo Banlq l-lA" lts euccessote andror assigns ss lielr inErest mey eppeer

The estate or inlereet in the Land that le enctmbered by the Insured Mortgage is:

Fee SimpleTltle is vested in:

Wlliam Coehrane and Mrry Cochrane, Hls Wlle

Being tfre eame prop€rty conveyed to Wlllam Cochrane and Mary Cochrane, Hls Wife byvlrtue of a deed from illchsls G. Sbsa and Gerald A Stassa, Jr., Husband and Wia, daHJune 14 2$tl, and rccoded July l, 2fiX1, in the Clerlds Otfice of Susser County, NanvJersey, In Book 27118, at Page 218.

The Insured Morlgage and ite asslgnments, if any, are deecribed as folloute:

Mortgage dated June?,2@8, trom William Cochrane and Mary Gocfinne, His Wle to

Wells Fargo Banlg NA In the orlglnal pilndpat amount of $352,0fi1.00 and reodedScptcmberT,zffn, in thc Clcrldr O'tfcG of Susex Gounty, l{ew Jeney, In llortgageBook 7755, Pago 64.

Thb Policy inanpr that the mortgngo Ineured hareurder ir a vdid first lisr on thc prcFrtydescdbed heruln,

The land refened to in thls Polky h described as follows:

(See S0hdule A Continued)

NotE for Information Only:The larrd refened to In thls Policy ls commonly krpun as Lot 2l , in Block gll7.Ol, on the tax mapof the Towncftlp ol Byram, County ol Suseel Stab of ibu Jercey.

lssued at:91 Clinton RoedSulb28Fairfiekl,l*t 07qH

ALTA Loan Poliqt (6/t7l06)SchduleA

NJRS 2-18Etfacliw:2l1g|7

CONFIDENTIA],wF-cocHRiAlrE-109

AJhodz€d Olficsr or Agerd



oLD REpuBLrc NATToNAL imd NsuRANcE compANy

SCHEDULE AGon$nued

PdEy No. tllf G601283ife No. ATS{479

6. This policy incorporats by refierre hose ALTA erdorsements s€lsctod belot,v:

tr 4{6 Condominlum tr 4.1-(Ftr 5{tO Plannd Unit Danelotrnent tr 5.1{6El G06 Varia$e Rst6tr 6.246 VadaHe Rat*l,fegattwArmrtizatimEl 8.1.08 Environnnntd Prctection Lien - Paragraph B ofers to the bfloring Stab statrte(s):

Spill Gofipensalion Cond Acq N.J.SA 58:1G23.11 ed seq.g 9-06 Restic{ions. Encroadtnmb. Mineralstr 13.1{6 Leeehdd Loantr 14-08 FutursAdvaneftioritytr 14.148 Futura Adwnce{&ofllodg€

tr 14.3{6 Fubre Advanc+Reverse Mor$ageEl No 9rl[uev, Survsv Endonsement.

ALTAI-mnMy(917/ffi) il[tRB2-ro$dts&bAcanhrcd Eficc{ha:2/15102

N CONFIDENTIATwF-cocHRANE-1-1



t.

OLD REPUBLIC NATIONAL.TITLE INSUFANCE COMPANY

SCHEDULE AGontlnued

File No. ATS6479 Policy No. MM 6691283

LEGAL DESCRIPTION

ALL that certain lot, parcel or trac"t of fand, situate and lying in the Toumship of Byram, Co.rn[v ofSussex, State of NewJersey, and being more parilcularly described as follows:

BEGINNING at a point ln the westerly sideline of Lynn Ddve (50 feet ROIaJ) where same ls intercecr.eciby the division line between Lots 20 and 21 Block 337.1, sald point beirq located 175.68 feet southedyalong said sideline on a course of South 06 degrees 25 minutes 30 seconds West from the terminus ofa 25 feet radlus curve leadlng Into same ftom the southerly sideline ot Cadisle Ddve (50 feet ROW) andrunning, thence:

(1) Southerly along the westerly sideline of Lynn Ddve South 06 25 minutes 30 seconds West100.00 leet to found iron pipe, thence:

(2') Westerly along the division line between Lots 19 and 20 Block 337.1 North 83 degrees 34minutes 30 seconds West 200.00 feet, thence:

(3) Northerly along the dlvlslon line between Lob 16 and 20 Block 3i 7.1 Norh 06 clegrees 24minutes 30 seconds East 100.00 feet, (said course passes over a found ircn plpe 0.58 feet fromits beginning), thence:

(4) Easterly along the divlsion line between Lots 20 and 21 Block 337.1 South 8il degreesmlnutes 30 seconds East 2(F.00 feet to the point or place of beginnlng.

THE FOLLOWING NOTES ARE FOR INFORMATIONAL PURPOSES ONLY:

NOTE: Being known as Lot 20 in Block 3ir7.O1 on the Tovwrshlp of Byram Tax Map.

NOTE: Belng commonly known as 36 Lynn Drive, Bymm, NJ.

ALTA Loan Pc*by (6/1710o)Scfiedule A cqrtinued

tuRB2-t6Effecliw: Aftn7CONFIDENTIAL

wF-cocHRiN{E-111



Attached to Polkry No- MM 6491288

lssued By

OH Rry$llc NalionalTita lnsuranca Compary.

File i,lo-: AT56479

The inswance afforded by this mdorssnent is mly dfedive if he Land is LF€d or ls to ba used primadly for reddsrtial

purposes. 'j; "::i';':,'

The Company instres againsil loss or danrage sr.rctaind ry the Ineur€d by reason of lack of ptiotity ol lhs lien ol the Inst+-ed

Mortgage over

iji{:*-'r?..i.-ri,a

.i.'i

(a) any environmmlal prctsdion lisr thd, al Dde of Policy, is rmrded in thoss rmnh etablis*rsd undorsilale slatules at Dale of Policy for the pwpose of impanhg consilruclive notics of mertlers rdaling to relprcparty lo purchasers lor valuE and withoul Knowledge, or is fil€d in lhe records of the clsk of theUnited Stalee distrid cpurt for lhe dislrict in which the Land b loeted, oespt as ed forlh inSchedule B; or

(b) any envirsrmmtal pnotelion lier provided by any state satufe in dlect at De[e of Policy, orceptsrvironmgrlal proletion licrs prwided by the following statE statul6:

Thle EndoEdnent wlll not Insurr agralnet llene recorded p|.rtusil ro $oSplll C$rpenaadon Control A€4 N.J.S.A 58:1S23.11 st $+ ctAcequent to ths loouancg d thlgPollcy.

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This en&rssnmt ie issued as part d the policy. Ercepl as it eoprsly stateq it does not $) modfy any cf the tstng and

provlsions of tha policy, (ii) rnodify any prior endorssnmts, (ili) e<tstd lhe He of Pollcy. or (fu) irerese the Anomt of

lnsrirance. To the od€nl a provision of the pdicy or a prorior.ts endorsgnsrt is inconsi$qrt wilh an dpr6s ptovldon ol thle

erdorsshslt, this qr&rsolent conlrols. Oherwfse, this fl&r€qnerl is s.biect lo all of lhe tsms and prov{dons ol the polkly

and of any prior eruCorsenarts

lssued thmugh the Oflice ol:fr:rI:.ii:' ' Atlanllc Tltlo & Sstdsrisnt Esrvlce, LLC

OLD RTPU8]}C ilANBilALTfrll IXSURANCE COMPAiY

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ALTA tum E.l-oB (Arvifonrn$trl ft'o?ocddl Ll$r) (6t17RE

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Atrached to Pollcy No. MM 669.1283

lssued By

Od Republh Natlond TiSe Insurance C,ompany

Flle t{o.: ATS4479

The Company lnsures agahst bss or damage suslaind by the Insured by rcason orf,

1. The hvdHl$ or unenbrebilty of the llen of tlte Ingtrcd ibrtsage rwdtirp hom ils pmvlsbns that povlde for

changes h the mte of intercst

2. loss of prbdty d the lien of the Insursd tvlorQage a s*tdg fur the unpald prlndpd babnce of lhe loan, bgehorwlth Inbrest as changed In amrdance utfi tha prcvlslons of the Insured lrlorQage, whbtr loss of prbrity is cauaed

by the charqes in Ote rrtto of lnbrost.

'Ghanges in 0te rab of lnbrusf, a wed In trle endorsernont, ehall mean only those charqos in the rate of lnbrest elculabdpurenrant b the foimula povlded ln the lneured Moilgage at Dats of fullcy.

Thls endorssm€nt does not Insurc ageinst 168 or danage based upon:

1, nsury, or

2. any oonsuner credit prcbcflon or buth in l€nding law.

Thls sndortcflisnt b bsuod I peri of te pofcy. Ercept as h eprasly 6tebs, lt does rrct (i) rpdry any of the terilts ardpovlsbne of the polby, 0D rmCry arry pdor edoreemenb, (lll) exlend tre llab of Fo$cy. or (lv) Increaee Ere Amount ofInsurancg. To the erGnt a plovisbn of Un policy or a prwlous endorssnont b hconslsbnt wlth an ertr€s govldon of ttieendonurpnl 0{s endomement contoh. Ofrtstwlae, thls en&rsdn€nt ls $6j€st b all of the bnne srd provblons of tre potlcy

and of any pior enersennnb.

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lestnd throrrgh trs Offica oft

Aflande Tlth & Sat0rmsnt Serylcr, LLG

0u n[pusuc ]ttn0u[ ImE HSuR|ltcE coHpttyAStr*furwty1A6rasn-tIl

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i.Pj OLD REPUBLIC NATIONAL.TITLE INSURANCE COMPANY

SCHEDULE B-PartII

File No. ATS€479 Poliry No. MMs912Blt

ln addition to the matters set forlh in Pail | of thls Schedule, the Tiile is aubiect to the following mafters, and theCompany insures against loss or damage austained in the event lhat trey are not gt$ordinate to the lien ol theInsured Mortgago:

1. Morlgage from William Cocftrane ard Mary Cochrane, His Wife to Star Mortgage Servlces, dated Juna 7,2006, and recordd Septernber 7, 2@6, in Book 7755, 5, in lhe Oer|cs Offtoe for Sussex C;ounty,in the originalprincipal arnount of $88,(FO.ff).

ALTA l-.€n Polio , (917/06Sched.de B-ll

NJRS 2-1eEltctlw:2ll6tt7

CONFIDENTTA].wF-cocHRANE-LL3



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OLD REPUBLIC NATIONAL.TITLE IN$URANCE COMPANY

SCHEDULEB-PartlEXCEPTIOI{S FROM COVERAGE

File No. AT3-6479 Policy i,lo. MUGsl28:l

Excqt as providd in Sctrdule B - Part ll, this policy doe rpt insure against loss or damage and ths Gomparrywill rpt pay costs, attomeys' fes or el(pense8 lhat ads€ by reason of:

1. Lien of urpaid taxes for tlre year 2006. Taxee are paid throqh the 2nd quarter of 20ffi. Sr^bsequenttaxes not yet due and payabla

The flnal 2008 real property talt rate may not be available for thls ppperty. lt ie unkrprm to whal extent, lfalry, the annual taxee mlght be increaeed. The tide poh€y to be ls8u6d will not prwide any prot€cdonagalnst any unexpected lrpreaee forthe 2008 rcal prcP€rly taxe8.

2. Arry facte about lhe land or whk$ a curslt suruery mdd dlsc-lose, ard whlch are not shown by the ptfilicrecod.

Added or omitted Assessmente, if any, for imprwements. NOTE: Srch Assessments are, as ol Dale ofPolicy, neither a lien on the land, nor due and payable.

4- Subjec.l to condltions, relriclions ard easamenb, if any, which may exist on the land.

ALTA Loan Pollcy (d17l061Schedde B.l

IrflHB al8ElfectvE: 2116107

CONFIDENTIALwF-cocHRANE_1"1



Athched to PollcyNo. MM 6891283

lssued By

old Republh Nadond TiSe Ineurance Company

Flls l,lo.: ATS4479

The Gompgy Insurcs agahst bss or damaga sustained by the Insured by rcason oft

l. The hvdldlty or unenbrceabHtty of fie llen of the Insured ilbr€ago resultirq florn ils pmvlsbns that provlde for

dtangss h the rab of intem€t

2. toss of prbrlty of the lien of the Insutd tdor$age a eecurl$ for the unpald pdndpal babnce of fre loan, together

wlth Inbpst as dranged In a@rdanco y'ri$ tha pnvlslons of the Insured ilortsege, whbh loas of ptiofity is caussd

by tra changes in the rato of hter€sl

'Char6es in the rab of lnbresfl, as rpod ln |hls endorrenrent, ehall mean only those chang€s in the rate ol lnterest calculat8d

pureuant b the brmula pmvlded In ttte Insured ttlortgage at Dat€ of Po[c'y-

Thio endorssm€rt do€o not Inaurc against lme or damage baed upon:

1. usury, or

2. any consuner credit prcbcilon or tuth in londing hw-

Thle €ndorsement b bsrnd I part of tle poBcy. Ermpt as lt exprasly snebs" lt 6as rnt 0 mdry any of the terms ard

gov6gre of Sre polky, 0D modry any prlor erdorsdnfib, (llllexbnd th€ Deb of roky, or (lv) lncrease frF Amunt of

Insupncs, To tre erdent a provishr of Sre policy or a prcvbus eldorssnsnt h hconslsbnl Yrd& an eflprws plovidon of ttbendoreerpnt tt{s ersrsenront contob. Ollprwles, thls sn6rssn€rn h $ubjest b a1l of the bnffi dd provblom of he pollry

ad of any pdor ut&rsemonb.

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lssuod thmugh tE Offico oft

Aflandc Tltlo & Setdanpnt Servlca, LLG

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ALTA Form 6{}8 (Valstlc Ralc lt orurgo) (6/f Z{)6}



ll..'yr.

ij}:Attached b Pollcy No. MM 68912S

lasued By

Old Bepubllc Natonal Tite lnsurarrce Company

Ji, Filet{o.: AT98479 -. .. ..,.' Ths ComPgni ineum tre ownar of the lndabtedne ssflrsd by Ur€ Insured Mortgage againet looe r damage eustdn€d by reason o{: . :"'L Ths sist€nc6, at Dab d Pdhy, c{ any cf the folowlng:

a. Corgtants, omdlirrna, a letiotlons urder whidr the lien of the lnsured Mortgage can ba dtvstod, subordinaied, or exlhguidred,ot lte vaMlty, pdoity, or enlorceabf,fi lmpalmd.

_ b. Unles eryrsdy excepted In Sofiedulo B

:.""i, i, Pleent viUatioire on 'he Land d any anforceable oor*ranb, cond'Hmg, or rastdc[otls, or uiotirg imprq,€rnentr on ha land . .. :.'*i:.i dcctib€d ln SchedLde A hat vidsto 6ny hl[dhg eotblck l|ne rhown on a plat of arhdhdalon rcorded or filsd ln the RS0c R*ords. ;ht;t,f. Any lndrument rdened to h Sdredu{e B as mndniry covslanb, aordldoru, or l€otlouons m the Land thal in addum, -'

' (A) slabllsh* sn eaasnstt on tha l-and. (B) -ptutldo a llen for flquldabd damagee, (c) prurld€ fq a pdvato cfraqo or ass6g€Drent,(D) plovidc lot an optct to ptn*ule, a dght d ftd refueal, or tho pdnr applwal of a future purohrser or ccupantm. fury mcrcachmant d exla[ng lntptovemenb locabd on tho Land mto a$oinir6 lard, w any encromhmont mto lhe Land dodsthg hprovemantrs l@atod on aqolnlng land.

-lv. Any encoaohment d da[ng irprotrem*rte lcat€d m he Lend onb trqt porlkn ol the Lad atfriet to any eaoernenl eocepted

In' Schedula 8.v. Any notrcee d violadon d covunonte, conditions. or redris{one relaling to envlrqrmental protdion roodod or liled in tre RtHlaReod8.2. Any fubra vlolstlon on $e Land d any exlsUng cotsranb, aondldone, or retrlc0ons ectnlng prior to lhe acquisiton ol file to th€estale or Intorest in the Latd by the Inanrcd, providad lhe violatlon resdls lh:

r:'i'11 a. the InvafHtty, loee of priority, or unenfqr*btty ol 0ro fien o{ lhe lnoured Modsase q . . ' ';b. he loss of Tlde lf fte Insnd ah€ll equ[€ Tltl€ In eatlsfrcdon cil the ]ndebtgdn€,s oeursd by the lmured Moilgage.8. Demage to oristirg imprcvqfnnts. ircludhg lavme, shrubb*y, or bee:

-:. a ftal ara lmatad m or qroreoh upon that portbn d the land anbpot to any sas€ment mspted ln Sofiedrie B, whloh damago; .- . reults f mm Oreesrciea ol fie rfght to makrialr the €aaernant for lhe prryos9 lor vvhlch ll wae granted or res€ryad; ,

-

"" ' b. rsl|hg tlqn llro fulurc qardso of any {1ht lo uae the anrfoe d ths tand for lhe etdractoct or derralopment cf mlnorab ercepbd ' "-trom lhedodption of the tand or mqiad h Sohadrie B.4-- . . 4ny fhal coutt odar or Judgm€nt requlnry he removal fiom any land adJolr$rg the Lard of any €noroaclmsnt oxcsptsd hSchedule B.5- Any lhel coutt otd€r ot Judgmilt ddtyltg tha dght b mahtain any uieling improvomsnb on the Lanl beoaugs of any Mdatlon cfcovenanls, condlbns, o. t€ddc0ffis, or bdld4 a$adt llnee shown m a plar ol $bdMCon rcodad or lted In the PuHlc R6colir. - -.,

_

Whaqnr in thb qdof8emq|l he worde 'colBlanli, conditiorq or resbicliona' app€ar, lhoy drall nol be d€rned b rcfier lo or Inofuda the " +*.;t€rma, ao\r€nanb. condldons, or lbnltadmg osttalned In an inshrm€rit crcting a lmse.

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*'a9 ry{ In paragtaphs l.b.l, and 6, tre words 'covelanb, ccr[funs, or reblcliona' do not irrclude any covananb, condilions, or rs€trbfqp(a) relatngro obtgatlons d any lype b palorm nahbnanco, t+ah, or rsmedkdbn on lhs Land, or (b)-pertaldqg to €nvlrmmerid proiaodcrd any ldnd or nature, Inddhg lrezadoua d tofib mallerg, oordtoilq or anbrbnco8, qcopt b dri extent that a nouce of a v{-datbn qalleged vtolaton attctng he l-and ho bsr reorded or fld ln the hrblc R*ods at DatB ol Fdbyand ia not mepld In Sdrdule B.Thb erdseanrsrt b lseued as patt d ho pdlcl. Ec€pt 6s A apmsef dat€, lt dos€ not (D modfy any cf the t*ms ard prorddoro ol thepollcy, (l) modlly any pdot endoraoilFnls, (nD extettd tho Dde of Fdlcy, or $v) horaase fra Amount d Inauranoo. To the ertant a pov&n c,0re pollcl or a ptevlous endorssnont b incq$lstont wih an oprcEs prayiolofl d $fs qrdonernoflt, 0*s erdonemdrl contrrots Oherriee. ttrlsendssffrenl b zu$*t to ai ol he hms and pror*dcrs c, ths po[cy and ol any pdor anduaanranb.lssued lhtouglt the Offke qf: o19 nglu3trf,npilAlT1g tf,sURAflCGColpAtfT.

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ALTA Form 906 (Rsstic#orlr, Encrosdmanb, Hirlrr8lr Endo'lsn€fl0 (&rtTrCEl

Attes



$; OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY

ENDONSEMENIT

File No. ATS{479

Attaclred to ad forrring part of Policy No. MM 6691283'

lf tlis cndorscrnent is attaclred to a Lorn Policy, cxccption nudcr 2 in Schcdulc B of this poli"yis hereby deletcd ard thc Company irsurcs agaimt loss or dannge whish the insurcd shall sustain

by reason of any encroachrrpns, overlaps, bcrndary linc tlisputes, or easentnts not set forttr in

Schdule B of Policy.

If this endorsement is attachcd to an Owrpt's Policy, this cndorscmem is void'

This endorse*nt is rrndc a part of thc poticy and is zubjcct to all of thc tcrrns and provisiore thercof and of nny

prior endorsernen6 rhereto. Except to the extent exprcssly state4 it nei0ter rmdifie any of the terns- ard

frovisiom of the policy and any prior cndorscncnts, nor does it extend the effective datc of the pohcy ad any

prior cndorsenents, rnr does it irere3se thc face arcunt thcrcof.

tN WITNESSI WHEREoF the company has csused its corporate narrp and scal to bc heretrnto affixcd by its

uudrorizcd ofticcrs on tbe 7th duy of Se$er$br, 2m6

q.D lPtflsf, nglttlllr.E mtn$Et G0PINA$d06F rtlD$ordld.Sqdt r&rgry4.,Iri*ltpsrffin614:n-ttt,

N'RB5A7

CONFIDENTIAWF-COCHFUANE

Authtriz€d Signatcy

Srwey Edorrenmt (Witlldtr Surttey)



lomtlillad twn k.Bi*lran cow.)

obligatim o dn imured uder tE Flisy shall teminate, irrcludiq arry liability.or obligation to &kd trowrts, or continue any litigation, wifi regad to themattsr or rnttsrr reryidA suh oogaatim.

5. koof of Loswfutry.In

ditbnto ad afiw tho rntlcss raquircd

u&rSection 3 of rhese

Corditions Ed Stiprhtionr have ben povtled tn 0ompery, s F00f of lss rdama$ siWnd ad $flomtobytB irHrdclairmtslnllh funiffi totre&npny wi$in $ &ys afer *e irsred chirwrt shall asrnin tr fmtsgiving rise m $e loas r dalqa The poof of hss or darnago *Ell dssqibe tEdefoct in, s lien or aumbrsnce m tlp tids, or otts maffer insned agsirtst byStis golicyufiid cmstibtes tte basis of lss q damsge ffid dnll shts, b ttpextent possiHa tlrc hasis uf cah;latirq ths amum of $s locs w kmge. lltheCqnpny istr€idkrd bytn failre of ttp insuddairffittopffiihtErequird rcof of loss r damage, du Corpaqrs oHisathns t 0E Lsredurder dre poliry $rafl HmirnE, ircldim any liability s oHigaim m defend,pro$e{ilts. s comirue any litigatirn, with reged to dle mtt€r d nEttersrequidrq uch poof of loss ordanr4e.

h aditlm, tle iresed daimant may reasmably be requircd to suhnit t0erunination t.wds m$ by any aullmrird rctrmenmive of ttn Company and$all Fruduce lu mn*natim. insrestion and cooyir€; at $dt reasmaHe tirpsand phcss as may be designabd

Wany autlnrhed r€Fessntativo of tho

Cunparry, all tecords, boh. l@en, c+ecks, cqrespcdarce sd rerrcratda,whether beadq a dats bsfor€ or afH Dab of Pollcy. whk*r rcsson€tly perbinto tlp loss or damagp. Further, if requesbd by any authorized npresarUtitre ofthe Coopany. ttn in$rsd claimant shall grat is permission. in writing, fr anyau6orized representative sf tE Cqnpany to exrmirn. inspett ard copy allrccuds" boo*s, le$ers, dncb, carepookrce and msmrandr in the q$lodyor ctntrsl of a $ird party, whir*r reasurably pertain to tte loss u dam4e. Allinfornnt'nn desiguted ar confidential by tre imured claimant prwidd t0 ttnConpary punum to tris $ctbn $nll not ba dircbssd o s$rers mhss, in thsreasonable iudgment 0f tE Comtrnt it is n€cesy in dlo a&ninistradm sfthe claim. Pailwe 0f trs insurd daimant b suhnit for examimtbn udel oafi,ptodrtothu rcasu*lyrquesd infunntiw qgnnt pemissim b secumremdh noceosary infurnation furn $kd parties as mquircd in ttisparagrapft, unbss pohibibd by lar or gowrunfibl rqulation, drall Hminatesny l'rability of tE @ry undw $F Fliry as b that claim.

6. Wtiur to Pil w 0tlwwi* &tth Clains; T*n'iwtfun d llfiilrry.In cas of a chim uder $ir plby, tha Cqr' 6ny $sll tws tn followirq

affitimalopttms:lal To Pay or Ter*r Fatmnt of tB Amwm ol lnslrame u m Rrchas€

&s lndebtsdrw

-lilT

py or telffi papnnt ol drs murm 0l inqraEo under trispotlcy toge$s 'wi$ ary costs. sttrynqs' ftas and e4ars irruned I theiruryadclaimat, wtriJrrrya aufprizd bf te Colpary, rpto$€ tireofpayrnem or eder of pyrmt ard wtrich tle Gunpany is obligabd b pay or

liilE rudme tre itrdffir*r wrnd byfte tnred morffifim tte amout ondq fr€r€on b$fBr wifi ary ffiE, atbrEys' fts ads$enses ircrnsd by tle insurcd claknantwfri$weru adodnd h feConpny up to fte tirn d prctw rd wirklr ttp Gonpery is oUigad tl Fy.

lf tbe Cornpany offers b rucha$o UF irdsbGdness as lerein pmv*ied,the ourpr ol tlp indehser$ $Bll tnansfer, asshn, and cmwy fFirdebUdre* ard tho imurcd ruSry, @ets wih any cdlaural sxurity. m

tlu Coqarf qor rynult fwefu.Upon fte ewds h SE Corpary of ei*w of te rytions poriH fH inparagaCu (alilor{ii}, oll liability ad dipthns m te imwed uder hisdicy, ofior tm ul mako tln FyflEnt rcryirad in fiom g4raphs, $sl|t6mirut€, knludkq arry liability w otligtim r defend, prmacrm, s csrtinueanylhlgotion, and tn plicystell bsrs*rd m deCornfnyfscer€llatiorl

Witr--Tii-FyorotrFrwise ssdswirh otlprparties bor in ths rnm€of en insured clsimant ary claim innrd qeiru[ s*r fiis Skry, @ofer withany cosb, atwrsfs faes ad upemc i'Hnred b/ hs intrFgd cleirstt 'r#drumrc attedzed by fre Conparry rp O 0e tire of payrnart srd whidt dr€Conpary is obliptd to pry or

. (iil b poy or o$err.{iss senle with ths insurd daimam the hs ordamage povidsd for wder this poliey, Qe$rer witlr any c6ts, Ettomeys' feesrd expenser ksrrd h tn insred daimam whidr nere autfuized I tcCompany up b the time af pryrneftt a.d which the Compary is o$liganed o pay.

Upr the exemise h f'e Conpar'd ot eitler of'the ogimr fovifu lor in

pWrdr (bl(il q {iil. f'€ Cornpany's obligations to the insund r.nder frispolicf h $e dsined loss r dan4e. odrer han tte papunn required m bemade, shail bminab, irdrdiq ary liSility r oHigation m dfu, pros*ute,rcatimnanylitigtim.

7. Ihtsni,6/tiin art tutofli&iwIhb plicy b a cor'u'drr ol k&rmirv againsr acoal msptay loss r

darnge swtained or inCIred by tha insured clsimant wtn hc suftered loss srbmase ryrBassrof matEn insured apirst htris pdicy atd mlyto llcexEnthereinkiH.

lal lhe liability of tle Compary wrder this pol'ruy shall not erceed theleslof:

{il $e Armunt ot lrFlrarEe shtsd in SctEdule A ry. if opllicaue,the snqsrt of insunnce m dslined kt Section dcl of ftes Coditisrs andStipulatbns;

liil tha amount of tra unpaid pincipl ind*tdress ssaned by th€in$rd rrnrqsgs as fimited or

Nvidedunder Setion 8 of these Conditions

and Stiphtiws or as rcdred uder Section 9 of tress Gonditions andStipulations, at $B tim the lo$ tr dannge insured against by his plic.y@rs. hged|e wift intercst frereoD or

liiilbs daffersrns bstyve€n tho wlue of the insurd estate orintsrest as in$red and fte'ralue of the insurd estab or intsrcst ilbisct to 6€dsfoct litn or erumbrancg insurad agninsl by ftb policy.

hl In the event the insured has scquired fte esbte or interest in themanner descriM in Sectim Ztal of ttese Csrditions and Stiprlatiws or tnscsl# drs title. ttren tte liability ot $€ C0r$any shall c0ntirus as s€{ f0rtnin Setion lal of trese Coditions ad Stir.lldim$.

lcl I}s Company will pay only dnse costr, attDrreys'te* dd expansesirsrrd in accodarrcs wi$ Secticr 4 of thesg Cmdilio{F ard Stioulatims.

8. Liniattunof Uililitt.(al lf tn Ccrpary muHidtss th€ tide, s nnoes ttre alleged defwt.

lien or snimbrance, or cures the lad of a right of accass to or fiom the lard, orcures ths daim of unma*otabilitV of tide, s otherwise establislres tle lien ol$s irrurod rlutgage. all as insured, in a rcasonaHy diligsnt manrur by anytruthod, irddirq lithation ad fp cornplaion of any 4peals therefrqn, itshall hwe fully perfumed in obl{ptions $dth r$pect t0 that rsnar ard shallmt be li*le hr ary lms r dannge caused fr€reh.

lbl In tB etrem of any litigadqr, including litigstkn by the Cunpny orwih fte Companfs cmsent, the Cunpary shall lram no liability for lw ordalqe unlil $en tec bean a final &teminat'nn by a cart of crmpstartjutidictlon, ard dirycition ol all amals thereftun. adwrss to tre title or toub limof tle insrd fmrq4s, as insured.

(cl Ttn Canpany slu|| noi be liable for loss or damago to arry insuredb l'Ebility voluntarily asstxnd h dF inssd in sotdirq ary claim q suitwithut tta Biw wrinen cursem ol ths Cunpany.

(dl Ttle Cunpary stnfi not be liable lofi li) my irdeHedness aeatedH$qtnnttl tlste of Pollcyercspt fuadvamss made ul tromt tho lien of th€insuld mortgage ard sumd $€mW and rgamnaHe amflnts €$€nded to

pewrtdetedoratim ol irqronrnenb: s [ii)constnEt$on lory| advms flndss&coquerrt b llate of Policy, except con$twtion loan advarrces rudes.hqnnttD thto st Fol'Eyfor tB pr6a ol fimncing in ndnle w in prt thewtstwtim of sr irngovement to tre lard whici at Oats of Policy uaeffiFed W tre ireured nuq4e ard wttich Sre insrd rq€s ald ontimed h

. be obligaH to advarce at ard afg tlate of Policy.

9. fredntirn d lnsww: Prdwtiwt wTsninatiwr of Liability.lal Al pafnsns uder $ir pdicy, excopt partyrwlt nEd€ h costs,

atornefs'f6atd apmss. $allred*e ftea$u.srt of dle insrure pubnto. Heysy€r, trry peytrenb made pir b ttrc aquhitisr of tftle m tlpesbb s intsst c fovi&d irn Sstirn Zel of drese Corditions adStiplations $atl not rdrcs Fo Hto fie armsn of trs inossm afto{dsdundw ftis plicy excapt ul th€ exFflt ftat $€ paynefls redwe tE srtpunt sf$s ir#Wpsssengd bthg irsured nwtgsge.

dilHEfl1fi

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Panies otlrer TlBn ths InEurBd or

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(&tdin*rlftunirc*bw,sJ

Ol P€WmI In part bV ily por8m of fts p.irrcipal ot tl8 i'denNness.u ary ofier oHiptiur ealred by the irsured mortgege, or any ydrsrbry fijalsadsfacdsr s Elsase of tho irBlrEd ruEi8gs, b tE flbflt of tE pelrnentsatisfadion r mlffie, sholl rcdrrce tlc anmrt of irnurance pro bnb. Ttetrsnt of in$rilcs may thercafter be imrered I acouing int*est and

advarf,ss mds b goht tlu lien of $e irnred morqry sd sered furery,wihinErE$tlersol, fodH in mwwrt drall tlpanmuntof irararuebegrubrtnn fieAnnunt0f hsrarrssteM n WrlsA

(cl Payrturt in tull by ant Fdst ff fF volurwy satlsfactim w rehssgof tu in$ed nnflgoge *Bll BminstB all lbtflity 0f th3 Compffiyffiilt aspntted in Se6m Zhl of tlnss Condtim ard Stiprrbriue.

10. U*ilityt/aranulatiw.lf tim incmd ffqliBs tith b$o sbb 0r hbrst i,n satbfaorion of tlB

indor &dnsss sa$td by tln irmrnd ntrEage. s any part Sprmf, it is eqre*ymdectuod tut ttn arunt ot fFwBrEs mdE fiis pdkry #l b ndrced h aVanflfrttto Cotpffiy may pq undr rry policl lnsrrlry e nnrgage tl v*idrexcef,ionisdgr in Sdredrh 8 orbyrtfdrtlro imwed lnr agred, assnred rtafm aruoct or vrfi&lh is hssaft€r a(sdrbd by ar insrnd ard wtrlch ls a drvgorlien ontleqtror lrgestdescribsdorlefui€d to'n Sd|sdrleA ad rheannunt so peid $all be deemed a pynent urda this polir.y.

ll. Ps/lnefitotLosf'lal No paynem shsll be rrnde witluut troducing tris polic.y twsrdorssmsm ol $e payrnem unles the policy tns been lost or destruyd, inwhich case prwf of loss or dosrlfir'@l shall be lirnistBd to tF satisfsctfixr 0ftln Compary.

{bl When lhtr'lity and dE sxtont of tos or damage has tean definitelyflxsd in accordilco whlr $w Cmditiom and Stiprlstions. ths loss or damagashall be payable within $ days thereafter.

12 Subogalim lfut Panst u &ttlsrwttlal TtBt]tnradsBiqhtsf S{rtmadm.@andpaidadaimuntuthis

pllcry, all dttht of srirogation shall vest in the Gompany urnffeeied by ryty mtof the insupd chkmnt

TIF Csr?any #l b $SrogaEd to ard be entitled h dl righb aldrereder uhi$ tln itsuad dalm$t llot H haw tnd ageirx{ any p€rsn o{pr0Fty n r€spoct to ths claim hd fti.r

dirynst h€[| issued. lf reqwsEd bf

dB Ctrrpry, fis irBUEd daimilt $all ffi b the Csnpry all rfutrF rduttefies ogainst olry persur or Fopsty rccessary h wdu to pqfrct $b ridt dsfuogatiqr. fhs irursd dairwrt drallpomhttn Cunparyb cE. csrpsniseorsettle h the ffirEof tle insred cleirernnrd b rsettp rgtp0f dE bwsBdchiflffi h ary ffiist u lit{ptin imdving t}w nghb u Emsdks-

lf a paptrrtm accurrt of aclaimdosrntfulhcwtrdrs lmsof tteinqrd chinwt tlp Cunpeny shall b submgaled o all rigns atd

'€fiEdiossf

the hurrsd ch*rilt sfter fF inged dairsrt rhall lffi rwsvered iBgirripal, interxt, od mts of collestixr

lbl TtBlnqrdsFi*tradUmitatisrsiefiriftetanftg tF faeg*r{. tho ovrrw of t're ir#Cdcs sned h

ths in$rd rlct$sgo, Fro{khd ttsgftrity of lle l?En of tpinsred rmrgryor hs elfoceability is mt affe*ed. rry nteasa celbstitrtetto p€rsmdlkrbility of ary detru or gt ssrtr, or e,Gnd or otlprwir modify ttp'Ernn ofpa}trs& or r&se a Wtbr of tlp e*ate or intemst fiun dre lien of t'einsured ns6, a rebase ury colh$ral *adty fnrtn irffiMncs

Wen tln p*mlM srts of tF insrd deirst mt ard tE irurodtns htodqsdarydaim of tido rinuEstsd trBs tothstids btEs6h$or inHest tr tts trioili$ or $fucs$Ilfty of ttn llsr of trs irerrd mortgap, uinrumd, tle Copry dnll h requkd o Fy 6ry fiat gr of arrf bmirsured agaiwt S trir plic'y rrdrici dnll sxcd ttE omqg if ary, hst h teOwparySmsor 0f dF irpairnffitbydn irssed dajnstof tle Cornpfit'erightof Eukugatior

. fheCompany'a right of $Arogption slnll mt bB avo&bd by acqubirim of. ttn insred mltgage by an oHinr {ercept ar oUigu desubed h Sectim

Ilalii of thgss Coditiont srd Stiprlainsl vrip acqrires th6 insrd nw6as a Gatlt uf ffi irdernity, gwmtee otw polhy of Inurams, s M mdtb digor will rnt h an insred urder fris poliry, riotnitrtsrding S€ctiot

llalil st tese Cryrditions ad Sti$lation&13, Artihathn

ttdess pdribitsd by qlicaHe hv, rfdrer dto CurF y c dre incsodmay demend abiffiicn Frrsnnt b dE Trde ln$trrEe Artffatin Rrles d tretunsdcan Abifadm Assffi.nlim Atfb&b matters rny ircIde. hlt an mtlimid t, any ctntwenyor daim bei,wt tre Conpuy and de iruuradalisiry ort of or relatirg to tris policl, any servbe of the Compeny in cscnstbnwidr its isrrarf,B s fn keacl of a plicl prwi$m u oilrr df@on Alstt'faHe mtten when tte Aflusrt ol lmrancg is 81,0fi1,ffi or le$ shall bsadittH €t rhs option of eidnr Sre Conpafiy or tlc irnrsd. All dbib&lomattsE t,r'hgt tlp Amount of lmurarce is in excess of 81.0m,m0 fiall barttbad q{y wfto.r agr€sd to by bth tle Company ard ItE instrd_tubiratlon nrsuanl b $b p0lir"y rrd under ths Ruhs in elftct on the daE thsdemsrd h arbiratbn b nde or, ot the oprion ol tre inrured, tfis ful€s heff*t at Data ol Policl stnll be tx'rding upn the parties. Tlu awad rWinclude atmmeye' feeo ody if Sn lars 0f tro srab in which the land is lmamdpomh I co il to $Mard atbmeys' lees to a prarailirg porty. Judgment upm theamrd renderud S the &binatqlsl may be enterd in any court tnvirqiurisdicion hereot.

the hw of trs situs 0f tF ltrd *rall appry to an arbitation urd€i ttt TitlsInsurma &ffiation flules

A copy ol $e Fules nq be ohrtahed fmm the Compny upul request

| + Uabilitt Linitrd to lhie hW tulW Enfie tunvwtlal lh''s Slcy trydur widr all erdorssnsrh, if any, MEd tnrgb

by dn Corpary is tra emin poliry ad conbact betrlrcen frs irnssd q'd UECompony. In inBprEtir€ arry fs{ision st $'E poliry, $b pol'Ey$Ell bscqstrued asa vrhola

lbl Any dalm of loss or damage, wtrether or not bassd 0n n€gligsnco,ad wlrkh sdses qlt 0f tr€ sbt;s d trs lien of tle ins.Fsd rnrsry or of tln6ie to tlp esbb u intorest comd h€rsby or by any aclion a$ertirq idlclain shall bs rasticEd b $''s dicy.

k) No aos*nont ol or ondotorpnt b USr pol"q can bo ndo orcoflby a witing erdorsed lFrwr or attachsd herub shnsd by eidrsttB ft$iturta Vrcs ftedktt tE Sscretary. $ Assistant S€sstdy, or valldatirq officer wautlmdnd sigmtory d fe Cunpony.

t5. sf',tr,dditwln ttm autany pwisim of tris pdLy ir teld imalSd w rnsr@b

w# a$kaHe lw. ttn plicl rtull b deernd not to ireida flat govisbnsd all otler fwisiwx Btu|| mnsin in'full force ard etrect

tA /Uo@, W,reircSerltAllmtfiro quird bb givm 0F Csnpanyardenysutrnant in wriB4

re$rid b bs twni# ft€ CoflF y $sll indr* tlrc Bcnbe{ of dri* pli,uysd $all b addrcd b its lkne Offrco: 4{X}hmd Awrure SouthMinft4dl3, Mhnssora 55101, 16121 371-1 1 t 1.

kdermitles, guarsntks, otler plis's of insurarc or bscb, rwtwifrtsrde4Bfiy Frms 0r csxffirp conbimd in liosa irFgLflEflB whidr fsy*la frarkogrtioft righb by reasor of $is pliry.

CONFTDENTIA?uF-coctrRANE-l_

tted$sof $eirsuodh



r IrwOfte.OfStephen $. Scipione

9l t-linbrr Rmq lluiE 2-BFrirfhlJ,NJ 07001

Tc[ 973-575-1213Ftx973-5754826

CONFIDENTIALwF-cocHRANE- 1_ 0 6

May 20,2008

Post Closing De,parhentWells Fargo Bank, NA1ffi0 Blue Gentian RoadEagan, MN 55121

RE: Borrowers: lYilliam Coehrane and Mrry CochraneLoanNo.: 0152740569Pncperty: 36 Lynn Drive

Andover, NJ 07821Our File No.: 5$1558Closing Date: June 712006

To Whom It May Concern:

Enclosed urs dssrrments marked bclow:

t X I Loan Policy No. along with any endorsernents,inswing Wells Fargo Bank, NA, in the amount of $

t 1 Original Mortgage and Assignments (if any)

If you have any questions conceming this matter, please feel free to contact our office.

Enclosure

TTM I,/[W OFFICE OF STEPHEN R



NOTICE REQUIRED BY THEFAIR DEBT COLLECTIONPRACTICES ACT, (the act),

15 U.S.C. SECTION 1601 AS AMENDED

TIIIS IS AN ATTEMPT TO COLLECT ADEBT. AT{Y INFORMAfiON OBTAIIYEDWILL BE USED FOR THAT PTIRPOSE.

1. The amount due on the debt" as of 06i07/2006, is the sum of $352,000.00. This sum doesnot include foreclosure fees and costs or any payments received or advances made after that date.

2. T'he debt described in the complaint attached hereto and evidenced by the copy of themoftgage and note,

willbe assumed to be valid by the creditor's law firm, unless debtors, within

thirty (30) days after receipt of this Notice, disputes, in writing, the validity of the debt or someportion thereof.

3. If the debtor notifies the creditor's law firm in writing within thrty (30) days of the receiptof this Notice, that the debt or any portion thereof, is disputed, the creditor's law frrm will obtainverification of the debt and a copy of the verification will be mailed to the debtor by the creditor'slaw firm-

4. If the creditor who is named as plaintiff in the attached sunmons and complaint, is not theoriginal creditor, and if the debtor makes written request to the creditor's law firm within thirty (30)days from the receipt of this Notice, the name and address of the original creditor will be mailed to

the debtor by the creditor's law firrn.

5. Written request should be addressed to ZUCKER, GOLDBERG & ACKERMAN, LLC,200 Sheffi.eld Street, Suite 301, P.O. Box 1024, Mountainside, New Jersey 07A92-W24. Pleaserefer to our file number. which is XCZ LL794t.

TIIIS IS AN ATTEMPT TO COLLECT A DEBT.AT{Y INFORMATION OBTAINED

WILL BE USED FOR THAT PURPOSE.

CONFIDENTJA],

WF.-COCHTUANE_1-



ReedSmith

Donna M. BatesDirect Phone: +1 609 514 5973Email: [email protected]

Reed Smith t-t-P

Princeton Forrestal Village136 Main Street - Suite 250

Princeton, NJ 08540-7839+1 609 987 0050

Fax +1 609 951 0824reedsmith.com

July 30, 2010

Via Overnieht Mail

William C. Penkethman, Jr., Esq.Law Office of William C. Penkethman, Jr.

3400 Highway 35, Suite 6

Hazlet,NJ 07730

Re: (JS Bank National Association. as Trustee for Structured Asset SecuritiesCorlrron"

"tol-

Docket No.: F-L7131-09

Dear Mr. Penkethman:

As you are aware, this firm represents Plaintiff US Bank National Association, as Trustee forStructured Asset Securities Corporation Trust 2006-WF3 ("US Bank"). Enclosed please ltnd Bates'

Stamped documents WF-COCHRANE-00I through WF-COCHRANE-1893, responsive to your

Request for Production of Documents.

Very truly yours,

5c

Enclosures

NEWYORKTLONDON.HONGKONG.CH|CAGO.WASHINGTON,D.C..BEUING.PARIS.LOSANGELES.SANFRANCISCO.PHILAOELPHIA.PITTSBURGHOAKLAND.MI.JNICH.ABUDHABI

'PRINCETON.NORTHERNVIRGINTA'WILMINGTON'SILICONVALLEY'DUBAI 'CENTURYCITY'RICHMOND'GREECENanette W. Mantell. Office Administrative Partner. A Limited Liability Partnership formed in the State of Ddaware

"\ .,i tn t

i)'nrr"-t*., []\, D(*-__-i/

Donna M. Bates

American Land Title Association Loan Policy issued by Old Republic National Title Insurance Issued...

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Transcript of American Land Title Association Loan Policy issued by Old Republic National Title Insurance Issued...