ࡱ> g RbjbjVV tr<r<tJ@@@@@dT|4o|@L3N3N3N3N3N3N3$+68r3@;;;r3@@;4s&s&s&;^@@L3s&;L3s&s&r0T10~183Q404*19#919@1p+hs&%Ty+++r3r3$+++4;;;;9+++++++++ :  NEW JERSEY DEPARTMENT OF COMMUNITY AFFAIRS NEIGHBORHOOD STABILIZATION PROGRAM FORGIVABLE SECOND MORTGAGE Section 1. Parties. The parties to this Mortgage (the "Mortgage"), which is made this  FORMTEXT       day of FORMTEXT      , 20 FORMTEXT       are  FORMTEXT      [Home Owner NAME and ADDRESS] ____________________________ (the  Borrower ) AND  FORMTEXT      [State of New Jersey , OR City/County AND ADDRESS](the  Lender ). The Borrower acknowledges that in consideration for the execution of this Mortgage and the Mortgage Note (the  Note ) that this Mortgage secures, it shall receive from the Lender the Principal Sum described in the Note pursuant to Grant Agreement No.  FORMTEXT      the  Grant Agreement) between the ӣƵ, Department of Community Affairs, division of Housing and Community Resources (State) and the Lender (also sometimes referred to as the Grantee). The Borrower further acknowledges that the Lender provided good and valuable consideration in the amount of Principal Sum of [amount spelled out] DOLLARS ($ FORMTEXT      ) ( the  Principal Sum ) pursuant to the Grant Agreement, and in accordance with Title I of the Housing and Community Development Act of 1974, as amended, 24 CFR Part 570 of the regulations of the United States Department of Housing and Urban Development (HUD), as the same may be amended from time to time, Title III of Division B of the Housing and Economic Recovery Act of 2008 (P.L. 110-289) as amended by the American Recovery and Reinvestment Act of 2009 (P.L. 111-5), and 73 FR 58330 (October 6, 2008), and 24 CFR Part 92 of the regulations of the United States Department of Housing and Urban Development (the HOME Investment Partnerships Program) (NSP). Section 2. Background and Purpose. The Lender(if City/County) has entered into the Grant Agreement with the State to acquire and rehabilitate foreclosed and abandoned properties under the NSP. The property identified herein was acquired and rehabilitated by the Lender in furtherance of the NSP and the Grant Agreement. The Lender now seeks to transfer title to the Property to the Borrower, an eligible household, in consideration for the amounts set forth in this Mortgage and the Mortgage Note, and other good and valuable consideration. The Borrower acknowledges that the Lender and the State in deciding to provide assistance to the Borrower have relied upon the representations made in the Borrower's application. The Borrower acknowledges that the Lender reserves the right to alter the terms of the Note and this Mortgage if there are material changes in the representations set forth in the application. This right shall include but not be limited to the right to withdraw its financing commitment and the right to declare a default. The parties acknowledge that this Mortgage is subordinate only to the following mortgages securing the following principal amounts:  FORMTEXT      [Superior Mortgage Holder Name and Amount] Section 3. Covenant to Pay Mortgage Note. The Borrower hereby promises to pay the Mortgage Loan in accordance with the provisions of the Mortgage Note. Section 4. Granting Clauses. In order to secure to the Lender: (a) the punctual payment by the Borrower of all sums due or to become due under the provisions of the Mortgage Note; and (b) the payment or performance of all obligations of the Borrower under this Mortgage; and (c) the payment or performance of all obligations of the Borrower under the Mortgage Note; and the payment or performance of all obligations of the Borrower under any prior first mortgage notes or any prior mortgages; the Borrower, subject only to the superior mortgages indicated above, pledges, assigns and grants to the Lender a security interest in the following: A. the Borrower's right, title and interest in the premises located at  FORMTEXT       [Property Address], and as more fully described in  Schedule A attached hereto, including any buildings hereafter erected thereon and any improvements to such buildings (the "Mortgaged Premises"); B. all the rights, title and interest of the Borrower, if any, in and to the beds of streets, roads and avenues open or proposed, adjacent to or pertinent to the Mortgaged Premises and any easements in favor of such premises over other premises; C. any award made in the nature of compensation for condemnation or appropriation with respect to the Mortgaged Premises by any governmental body, including awards or damages in respect to matters other than a direct taking which nonetheless effect the Mortgaged Premises. The Borrower hereby assigns any such awards or damages to the Lender, and in addition, for itself and its successors and assigns, appoints the Lender and any subsequent holder of the Mortgage Note and this Mortgage its AttorneyinFact, and empowers such Attorney at his option, on behalf of the Borrower, to adjust or compromise any such claims, to collect any proceeds and to execute in the Borrower's name any documents necessary to effect such collection. The Lender is empowered to endorse any checks representing these proceeds, and after deducting any expenses incurred in the collection, to apply the net proceeds as a credit upon any portion of the Mortgage Loan after payment of any fees and charges due and payable (as defined in and provided for in this Mortgage); D. all fixtures or other tangible personal property now or hereafter situated on the Mortgaged Premises or installed or placed in the buildings located thereon including, without limitation, stoves, refrigerators and similar appliances; E. all federal and state subsidy payments to which the Borrower is or will be entitled with respect to the Mortgaged Premises; F. all rentals payable by tenants in respect to any part of the Mortgaged Premises and any other revenues from the Mortgaged Premises, including fees derived from laundry and parking facilities, and other similar facilities; G. all amounts payable to or recoverable by the Borrower under the terms of the Construction Contract or any surety bound issued in connection therewith; H. all rights under and amounts recoverable under warranties as to quality or performance of any material, part, subassembly, appliance or other component part of the Mortgaged Premises; J. all proceeds of casualty or other insurance on the Mortgaged Premises or any part thereof; and K. any real estate tax rebates or refunds which the Borrower is entitled to receive. Section 5. Representations and Warranties. The Borrower represents and warrants to the Lender that: (a) all statements contained in all applications, correspondence or other materials delivered to the Lender in connection with their consideration of the Mortgage Loan to the Borrower or relating to the Mortgaged Premises are true and correct. (b) at the time of execution of this Mortgage, or prior thereto, the Borrower has acquired title in fee simple to the Mortgaged Premises described on Schedule A, subject only to such exceptions which have been disclosed in writing to the Lender and which will not, as solely determined by the Lender, materially interfere with or impair the beneficial use of the Mortgaged Premises for purposes of the Project. (c) the Borrower intends to continue to occupy the Mortgaged Premises as the Borrowers primary residence; and (d) no event has occurred and no condition exists which constitutes an Event of Default under this Mortgage or which, but for a requirement of notice or lapse of time, or both, would constitute such an Event of Default and the Borrower has obtained permission from the Lender to assume the obligations contained in this Mortgage. . Section 6. Insurance. The Borrower covenants and agrees to cause the buildings on the Mortgaged Premises and any improvements thereto and the fixtures and articles on the premises and any improvements thereto and the fixtures and articles of personal property covered by this Mortgage to be insured against loss by fire and by such other hazards as may be required by the Lender or its successors and/or assigns for the benefit of the Lender or its successors and/or assigns. Such insurance shall be written by such companies, in such amounts and in forms as are satisfactory to the Lender. The Borrower will assign and deliver the certificates of insurance to the Lender or its successors and/or assigns and such certificates will provide that the Lender or its successors and/or assigns shall be the loss payee subject only to the rights of the prior mortgagees. Such policies shall provide that the insurer may not cancel the policy and will not refuse to renew the policy except after thirty (30) days written notice to the Lender or its successors and/or assigns. If the Lender or its successors and/or assigns shall not receive evidence satisfactory to it of the existence of effective insurance coverage as required by the Lender or its successors and/or assigns, the Lender or its successors and/or assigns may (but shall not be required to) obtain such coverage, and the Borrower will reimburse the Lender or its successors and/or assigns, on demand for any premiums paid for insurance procured by the Lender or its successors and/or assigns, and until so reimbursed the amount of such premiums shall be added to the Principal Sum of the Mortgage Note and bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. In the event of substantial damage to the Mortgaged Premises by the occurrence of an insured casualty or the taking of a substantial portion of the Mortgaged Premises by condemnation, the Lender may, in its sole discretion (which judgment shall be conclusive), apply the proceeds of insurance or condemnation, if sufficient, to the extent necessary for the purpose, make the funds available to the Borrower upon satisfaction by the Borrower of the conditions precedent to disbursements, for such replacement or restoration. To the extent the Mortgaged Premises are not replaced or restored, such proceeds shall be applied to the indebtedness secured hereby after payment of fees and charges due and payable (as defined and provided for in this Mortgage). Nothing in this Section shall affect the lien of this Mortgage or the liability of the Borrower for payment of the entire balance of the Mortgage indebtedness. If, prior to disbursement in accordance with this Mortgage or the Mortgage Note, the property has been identified by the Secretary of Housing and Urban Development as being in an area of having special flood or mudslide hazards, and for which the sale of flood insurance has been made available under the National Flood Insurance Act of 1968, a flood insurance policy satisfactory to the Lender or its successors and/or assigns shall be purchased by the Borrower. Section 7. Taxes or Payments in Lieu of Taxes. The Borrower covenants and agrees to pay all taxes, payments in lieu of taxes, assessments, water charges and sewer charges, and in default thereof the Lender may pay the same. Any such sum or sums so paid by the Lender shall be added to the Principal Sum hereby secured and shall bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Section 8. Liens. The Borrower covenants and agrees to maintain its right, title and interest in the Mortgaged Premises (including the Project and land) and all items enumerated in Section 4 of this Mortgage free and clear of all liens and security interests except the liens of this Mortgage, and the liens of other mortgagees described in Section 2 above, and those exceptions identified and set forth in a certain title policy issued by  FORMTEXT       numbered  FORMTEXT       and dated FORMTEXT      , 20 FORMTEXT       as approved by the Lender. Lender shall be furnished with this current standard ALTA form with extended coverage, insuring that this Mortgage is a valid second lien on the Premises. Prior to any disbursement under this Mortgage, Borrower shall provide evidence satisfactory to the Borrower of the recording of this Mortgage. Except with the written consent of the Lender, the Borrower will not install any item of tangible personal property as a part of the fixtures or furnishings of the Mortgaged Premises, which is subject to a purchase money lien or security interest. The Lender may, at its sole option, pay the amount necessary to discharge any such lien, and the Borrower shall promptly reimburse the Lender for any amounts so paid. Until reimbursement of the Lender of any amounts so paid, such amount shall be added to the Principal Sum secured by this Mortgage and shall bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Section 9. Encumbrances  Sale of Project. The Borrower covenants and agrees not to sell, lease or otherwise encumber the Mortgaged Premises, or any part thereof, or the rents or revenues thereof without the prior written consent of the Lender. Section 10. Maintenance, Repair and Replacement. The Borrower covenants and agrees to maintain the Mortgaged Premises and the appurtenant equipment and grounds in good repair and condition so as to provide decent, safe and sanitary housing accommodations. The Borrower will not permit any waste with respect to the Mortgaged Premises or any of its real or personal property without the consent of the Lender, or make any alteration which will increase the hazard of fire or other casualty. Section 11. Payments. As long as the Borrower is not in default in the terms of this Mortgage or the Mortgage Note, no payments shall be due on account of principal or interest accrued. Section 12. Forgiveness. The Anniversary Date (Anniversary Date or Anniversary) is the first day of the month following the issuance of a final certificate of occupancy for the Mortgaged Premises, that is [insert date]. Provided no event of default has occurred as set forth in section 21, regardless of whether the Lender has exercised its remedies under section 22, commencing with the sixth Anniversary , and continuing through the termination of this Mortgage,  FORMTEXT      percent ( FORMTEXT      %) of the total principal due on the Mortgage and Mortgage Note will be forgiven annually thereafter on the Anniversary Date, until such time as the total amount due is satisfied. Section 13. Compliance with the NSP Requirements. The Borrower covenants and agrees to comply with the NSP, the NSP Operational Manual and any statutes or regulations governing the NSP and with any amendments or supplements thereto. The Borrower further covenants and agrees to comply with all requirements imposed upon it by the Grant Agreement or any agreement with or binding upon the Lender reflecting said Agreement, including, but not limited to the Deed of Easement and Restrictive Covenants, recorded on ________________[insert date] at ________________ [or] recorded contemporaneously with this Mortgage. If any provision of this Mortgage shall be determined to be inconsistent with the NSP, its rules or regulations or the Grant Agreement, all of the latter shall govern. Section 14. Use of Mortgaged Premises. Except as otherwise expressly permitted by this Mortgage, the Mortgaged Premises shall be used solely to provide residential housing for the Borrower and his/her family. Section 15. Inspection of Premises. The Borrower covenants and agrees to permit the Lender, its agents or representatives, to inspect the Mortgaged Premises at any and all reasonable times with or without notice. Section 16. Statutory Powers and Restrictions. This Mortgage shall be subject to statutory and regulatory restrictions contained in the NSP and accompanying regulations, and in connection therewith the Lender and State shall have the powers set forth in the Act, and the Borrower hereby consents to such restrictions and powers and agrees to be bound thereby. Such powers and restrictions shall be in addition to and not in limitation of the rights of the Lender expressly set forth in this Mortgage, the Grant Agreement and the NSP Operational Manual. Section 17. Accounting in Event of Default. Upon the occurrence of an Event of Default and within five (5) business days of demand therefore by the Lender, the Borrower will furnish to the Lender in writing a statement of the principal amount remaining due in this Mortgage together with a statement of any defenses which may exist as to any liability of the Borrower on the Mortgage Loan or otherwise hereunder. Section 18. Personal Liability. In the event of Default, the Lender shall take no action against the Borrower personally or against any of its general or limited partners if applicable, except to the extent necessary to subject the Mortgaged Premises to satisfaction of the Mortgage Loan and any obligation under this Mortgage in accordance with and subject to the terms and conditions of the Mortgage Note and this Mortgage and except to the extent any such person has committed fraudulent, criminal or other unlawful activities. Section 19. Financing Statements. The Borrower hereby irrevocably authorizes the Lender to execute on its behalf one or more financing statements or renewals thereof in respect of any of the security interests granted by this Mortgage. Section 20. Assignment by Lender. The Borrower hereby consents to any assignment of this Mortgage by the Lender. Section 21. Defaults. Each of the following shall be an Event of Default: (a) failure by the Borrower to pay when due any installment of principal or interest on this Mortgage or Fees and Charges or any other payment required by the Borrower to the Lender or any other person pursuant to the terms of this Mortgage and the Mortgage Note; (b) commission by the Borrower of any act prohibited by the terms of this Mortgage, failure by the Borrower to perform or observe in timely fashion any action or covenant required by any of the terms of this Mortgage, or failure by the Borrower to produce satisfactory evidence of compliance therewith; (c) the filing by the Borrower under any Federal or State bankruptcy or insolvency law or other similar law of any petition in bankruptcy or for reorganization or composition with creditors or the making of an assignment for the benefit of creditors; (d) the filing against the Borrower under any Federal or State Bankruptcy or insolvency law or other similar law of a petition seeking the Borrower's adjudication as a bankrupt or the appointment of a receiver or other custodian for the benefit of its creditors which shall not be dismissed within thirty (30) days of the filing thereof, or the adjudication of the Borrower as a bankrupt, or the appointment by court order of a custodian (such as a receiver, liquidator or trustee) of possession of the Borrower or any of its property for the benefit of its creditors and such order remains in effect or such possession continues for more than thirty (30) days; (e) the occurrence of substantial destruction of the Mortgaged Premises by an uninsured casualty; (f) any representation in conjunction with this Mortgage and the Mortgaged Premises by or on behalf of the Borrower which is false or misleading in any material respect or any warranty of the Borrower which is breached; or (g) any breach by the Borrower of its obligations or any failure to observe its covenants under any prior mortgage, or note which result in an Event of Default thereunder, or the failure to observe the covenants as contained in any deed restriction associated with such prior mortgage or note, if applicable. (h) failure by Borrower to comply with NSP laws, regulations, rules, including, but not limited to the Affordability Controls as prescribed in the Deed of Easement and Restrictive Covenants recorded against the Mortgaged Premises. The events set forth in subsections (b) and (g) of this Section shall not constitute Events of Default until the prohibited acts, failure to perform or observe, or breaches shall remain uncured for a period of thirty (30) days after Lender's written notice to Borrower, specifying such prohibited act, failure or breach and requesting that it be remedied, unless the Lender shall agree in writing to an extension of such time prior to its expiration; provided, however, that if the prohibited act, failure, or breach stated in each notice is correctable but cannot be corrected within the 30 day period, the Lender may not unreasonably withhold its consent to an extension up to 120 days from the delivery of the written notice referred to herein if corrective action is instituted by the Borrower within the initial 30 day period and diligently pursued. Section 22. Remedies. Upon the occurrence of any Event of Default, the Lender, subject to any first mortgage, may at its option take any one or more of the following actions or remedies and no failure to exercise any remedy or take any action enumerated shall constitute a waiver of such right or preclude a subsequent exercise by the Lender of any such remedy: (a) declare the entire Principal Sum of the Mortgage loan together with all other liabilities of the Borrower under the Mortgage Note and the Mortgage to be immediately due and payable; (b) cease making disbursements to the Borrower; (c) foreclose the lien of this Mortgage on the Mortgaged Premises. In any action to foreclose, the Lender shall be entitled to the appointment of a receiver of the rents and profits of the Mortgaged Premises as a matter of right and without notice, with power to collect the rents, uses, and profits of said Mortgaged Premises, due and becoming due during the pendency of such foreclosure suit, such rents and profits being hereby expressly assigned and pledged as additional security for the payment of the indebtedness secured by this Mortgage without regard to the value of the Mortgaged Premises or the solvency of any person or persons liable for the payment of the mortgaged indebtedness. The Borrower for itself and any such subsequent owner hereby waives any and all defenses to the application for a receiver as above and hereby specifically consents to such appointment without notice, but nothing herein contained is to be construed to deprive the holder of the Mortgage of any other right, remedy or privilege it may now have under the law to have a receiver appointed. The provisions for the appointment of a receiver of the rents and profits and the assignment of such rents and profits, is made an express condition upon which the Mortgage loan hereby secured is made. Upon such foreclosure the Lender shall have the right to have a receiver appointed for the Mortgaged Premises and the rentals from the Mortgaged Premises. (e) notwithstanding the above enumeration of remedies, the Lender shall have available to it any remedies provided to it by law. Section 23. Expenses Due to Default. All reasonable expenses (including reasonable attorney's fees, costs and allowances) incurred in connection with an action to foreclose this Mortgage or in exercising any other remedy provided by this Mortgage, including the curing of any Event of Default, shall be paid by the Borrower, together with interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Any such sum or sums and the interest thereon shall be a further lien on the Mortgaged Premises and shall be secured by this Mortgage. Section 24. Amendments; Notices; Waivers. This Mortgage may be amended only by an instrument in writing executed and acknowledged on behalf of the Lender and the Borrower in such manner that the instrument may be recorded. No waiver by the Lender in any particular instance of any Event of Default or required performance by the Borrower and no course of conduct of the parties or failure by the Lender to enforce or insist upon performance of any of the obligations of the Borrower under this Mortgage at any time shall preclude enforcement of any of the terms of this Mortgage or the Mortgage Note thereafter. Any provision of this Mortgage requiring the consent or approval of the Lender for the taking of any action or the omission of any action requires such consent by the Lender in writing signed by a duly authorized officer of the Lender. Any such consent or approval, unless it expressly states otherwise, is limited to the particular action or omission referred to therein and does not apply to subsequent similar actions or omissions. Notice provided for under this Mortgage shall be given in writing signed by a duly authorized officer and any notice required to be given hereunder shall be given by regular mail and be certified or registered mail, postage prepaid, return receipt requested, at the addressed specified below, or at such other addresses as may be specified in writing by the parties hereto: Borrower: (name) (address) Borrower's Attorney at: (name) (address) Lender: ӣƵ Department of Community Affairs Division of Housing and Community Resources 101 South Broad Street, P. O. Box 806 Trenton, ӣƵ 086250806 Attention: Director OR CITY/COUNTY Administrative Agent: (name) (address) Section 25. Severability. The invalidity of any part or provision of this Mortgage shall not affect the validity of the remaining portions thereof. Section 26. Disclaimer of Warranties, Liability, Indemnification. A. The Borrower acknowledges and agrees that (i) the Lender has not heretofore and does not make any warranty or representation, either express or implied as to the value, condition, or fitness for particular purpose or fitness for any use of the Mortgaged Premises or any portions thereof or any other warranty or representation with respect thereto; (ii) in no event shall the Lender or its agents or employees be liable or responsible for any incidental, indirect, special or consequential damages in connection with or arising out of this Mortgage or the development of the Mortgaged Premises or the existence, functioning or use of the Mortgaged Premises or any items or services provided for in the Mortgage; and (iii) during the term of this Mortgage and to the fullest extent permitted by law, the Borrower shall indemnify and hold the Lender harmless against, and the Borrower shall pay any and all liabilities, losses, costs, damages, claims, judgments or expenses of any and all kinds or nature and however arising, imposed by law, which the Borrower and the Lender may sustain, be subject to, or be caused to incur by reason of any claim, suit or action based upon personal injury, death or damage to property, whether real, personal or mixed, or upon or arising out of contracts entered into by the Borrower, or arising out of the Borrower's ownership of the Mortgaged Premises or out of the development, or management of the Mortgaged Premises.  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It is mutually agreed by the Borrower and the Lender that the Lender and its directors, officers, agents, servants and employees shall not be liable for any action performed under this Mortgage, and that the Borrower shall hold them harmless from any claim or suit of whatever nature. C. Any claims asserted against the Lender shall be subject to the ӣƵ Contractual Liability Act, N.J.S.A. 59:131, et.seq. (except for N.J.S.A. 59:139 thereof). It is acknowledged by the parties that the Lender is a public entity covered by the provisions of the ӣƵ Tort Claims Act, N.J.S.A. 59:11 et.seq. Section 27. Execution in Counterparts. This Mortgage may be executed in counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. Section 28. Applicable Law. This Mortgage shall be governed by and construed in accordance with the laws of the ӣƵ. IN WITNESS WHEREOF, this Mortgage has been duly executed by the Borrower this _____ day of ____________________, 20__. BORROWER: By: ____________________________ By: ____________________________ WITNESS/ATTEST: WITNESS/ATTEST: _________________________________ _____________________________________ Date _____________________________ Date: _______________________________ ACKNOWLEDGEMENT (INDIVIDUAL OR PARTNERSHIP FORM) STATE OF NEW JERSEY, COUNTY OF _______________ SS.: I CERTIFY that on _______________, 20__, _______________________________________ personally came before me, and acknowledged under oath, to my satisfaction, that this person (or if more than one, each person); (a) is named in and personally signed this document; and (b) signed, sealed and delivered this document as his or her act and deed; and (c) if applicable, is an officer of the managing member of the general partner of the partnership and signed and delivered this document as his or her act and deed as an authorized officer of the managing member of the general partner on behalf of the partnership. (d) this person signed this proof to attest to the truth of these facts. ____________________________________ (Print name[s] and title below signature) _____________________________________ Signed and sworn to before me on the _____ day of _______________, 20__. _________________________________ Record and return to: ATTN: SCHEDULE A     NSPForgivableSecondMtg052011  PAGE \* MERGEFORMAT 3 +} !ef$%ll#$ 2`0 p@P" %```a$'$ 2`0 p@P" %00^0`0a$$ 2`0 p@P" %a$*$ 2`0 p@P" %00^0`0a$gd 5678:DFԼ׼FIJLMO^_ĺⰦ~ul`uWNhiBhDraJhiBh gaJhiBh g5\aJhiBh#EaJhiBhXaJ hXaJ h#EaJh? h aJhiBh \aJhiBh aJhiBh 5aJhiBh B5aJhDrhX5aJ hX5aJ h B5aJhDrh B5aJ hDraJhiBh BaJhiBh? aJ h? aJ h BaJ6789:DEFGH$a$gd  2`0 p@P" %gd $ 2`0 p@P" %a$HIJKLMNO_n$ ,@xH P"# %a$gdDr4$ \X(`0 h 8 p@xH P"# %a$$ ,@xH P"# %a$gd7Z$ 2`0 p@P" %a$ ǽȽɽʽd($ /@ @ P "P^`Pa$gdDr;$ \X(`0 h 8 p@xH P"# %`a$gdDr7$ \X(`0 h 8 p@xH P"# %a$gdDr ǽȽɽ4 23JKLMPQRѿsjh}fUmHnHuh7ZmHnHujh}fUh}fh0jh0U haJ h BaJhR 'h gCJaJ hOaJhiBh BaJhiBhXaJ hDraJ hXaJhiBhDraJhiBh gaJ h gaJh7ZhDr5aJ*ABKLa*$ 2`0 p@P" %`^``a$gdDr*$ 2`0 p@P" % %P^ %`Pa$gdDr($ /@ @ P "P^`Pa$gdDr $ /@ @ P "a$gdDr <=abcd"$ 2`0 p@P" %a$gdDr*$ 2`0 p@P" %`^``a$gdDr4$ \X(`0 h 8 p@xH P"# %a$"$ 2`0 p@P" %a$gdDr$ 2`0 p@P" %a$"$ 2`0 p@P" %a$gd g4$ \X(`0 h 8 p@xH P"# %a$$ 2`0 p@P" %a$ 012NOPQR$a$gdU$ ,@xH P"# %a$gdP$-< 00PBP/ N!"#$% Dp< 00PBP/ N!"#$% Dp< 00PBP/ N!"#$% Dp< 00PBP/ N!"#$% Dp< 00PBP/ N!"#$% Dp< 00PBP/ N!"#$% DptDText2tDText3tDText4tDText5tDText6tDText7tDText8tDText9vDText10vDText11vDText12vDText13vDText14vDText15vDText16^ 002 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~_HmH nH sH tH H`H Normal1$7$8$H$_HaJmH sH tH DA D Default Paragraph FontViV  Table Normal :V 44 la (k (No List <& < Footnote ReferenceH@H ; Balloon TextCJOJQJ^JaJB'`B kComment ReferenceCJaJ8@"8 k Comment TextaJ@j@!"@ kComment Subject5\4@B4 U0Header  H$2oQ2 U0 Header CharaJ4 @b4 U0Footer  H$2oq2 U0 Footer CharaJ@`@xW0Revision_HaJmH sH tH PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! 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