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(PROPOSED) DECLARATION OF RESTRICTIONS FOR P. a SS ea..1%

L or“ 0.- 44T INDEPENDENCE vALLEY SUMICITTS::OM NO. 2 Recorded in LibereLVPages e2.1 -

This Declaration is made this fife`, day of /

, 1990 by Ylvisaker Investment Company -ii State of Michgan Limited Partnership, and John R. Ylvisaker Attorney-in-Fact and ownership, Agent/Developer (hereinafter referred to as

WITNESEETKI r_f 4' 51 12: e...21 ,1 ■•• •• •

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WHEREAS, the Grantor as owner of or agent for all property to be platted has designed a Master Plan for development of Independence Valleyna subdivision located in Section 2, Town 4 North, Range 9 East, Township of Independence, Oakland County, Michigan, (hereinafter referred te as the "Subdivi)sion"); and

WHEREAS, The Subdivision is a tract of land being developed for a single family residential development; and

WHEREAS, Grantor desires to establish binding conditions and restrictions applicable to all real property within the Subdivision to insure the rights of property owners and residents therein; and

WHEREAS, It is the purpose and intention of the Declaration that all properties included within the Subdivision ehall be held and/or conveyed subject to the restrictions and conditions herein contained.

NOW, THEREFORE, IT IS HEREBY DECLARED that the following restrictions and conditions are covenants running with the land, binding upon the heirs, personal representatives, sUCcessors, assigns and transferees of the lots contained within the Subdivision. 4 7ii 7.iZCee7E 71:E.:.Ale

PART A: THE ASSOCIATION •:2 41-15 ,=:NTFr= 2.06

THERE SHALL) BE ESTABLISHED the Independence Valley Subdivision. Association consisting of the Grantor and the transferees of each of the lots contained within the Subdivision (hereinafter referred tc as the "Association").

1. such Association shall be organized to have such powers as are granted t4 it by these restrictions and au clean bn set forth in its By-Laws.

2. Membership in the Association shall be mandatory for each v?' present and future owner of a lot in the Subdivision.

1‘ 3. A member or the Association shall be defined as every

person/entity who or which is a reeord owner of a fee or undivided

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LIM1211M59 fee interest in any lot but not including any owners who have Sold their interest under executory iend contract. During such tine as such a land contract is in force, the land contract vendee shell

\--/ be considered to be the member of the Association.

4. The Association shall have two classes of voting membership.

ClassA - Class A members shall be all lot owners, with the exception of the Grantor or its successors. Class A members shall be entitled to one vote for each lot in which they hold the interest required for membership.

Class B - Class B member shall be the Grantor or its successors. The Class B membership shall be entitled to five (5) votes for each lot in which the: Grantor or its successors hold the interest required for membership.

5. All the lots of the nenbers of the hssociation shall be subject to an annual maintenance charge, to be paid by the respective owners thereof, to the Association in advance on the first day of January, in each year, commencing with January 1, 1990.

6. The amount of said annual charge shall be established and may be adjusted from year to year by the AssociEtion, as the needs of the property may in their judgment requil:e, but in no evmnt

o_o shall such a charge exceed 5.21)0,00 per lot except by the approval and consent in Writing of fifty--one percent (51%) of the members of the Association, which approval and consent shall make any such additional assessment binding upon all of the owners of property in said subdivision.

7. The maintenance fund shall be used to pay any taxes ,Nnd assessments pertaining to the following purposes as the Association shall determine as necessary and advisable: for improving and maintaining the property of the Association, roadways and entry-ways of the development; for planting „trees and shrubbery and the care thereof; for collecting and diiposing garbage, ashes and rubbish; for employing nioht watchmen; for constructing, purchasing, maintaining or operation of any community services, or for doing any other thing necessary or advisable in the opinion of the Association for the general welfare of the members; for expenses incident to the examination of plans and the enforocment of these restrictions or any other building restriction applicable to said property or for any other purposes for which the Association is incorporated.

8. All mcintenance charges which shall remain due and unpaid on April 1, of the year in which said charges become due shall thereafter be subject to interest at the highest lawful rate.

2

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9. It is expressly understO6C- ind agreed that the annual • maintenance charge shall be a and encumbrance of the land with respect to which Said charge is •ade and it is expressly agreed that by the acceptance of title to any of said lots or parcels the owner (not including thereby the mortgagee as long as he is not the owner) from ti-re time of acgairinv title thereto shall be held to have covenanted and agreed to pay to the Association all charges provided for therein which were then due and unpaid to the tine of his acquiring the title, and all such charges thereafter falling due during his ownership thereof. A certificate in writing shall be issued by the Grantor or the successor Association to the prospective purchaser liable, or who may be liable for said charges, which shall set forth the status of said charges. Th:Ls certificate shall be binding upan the parties hereto.

10. The lien provided for therein shall be subordinate to the lien of any first mortgage. Sale or transfer of any lot shall not affect the assessment lien. The sale or transfer of any lot which is subject to any mortgage, pursuant to a decree for foreclosure under such mortgage or any preceding in lieu of foreclosure thereof, however, shall extinguish the lien of such assessments as to payments thereof which became due prior to such sale or transfer. No sale or transfer shall relieve such lot frc:m liability for any assessments thereafter becoming due or from the lien thereof.

11. By his acceptance of title each owner shall be held to vest in the Association the right and power in its own name to take and prosecute all suits, legal, equitable or otherwise, which may in the reinion of the Association be necessary cr advisable for the collect .n of such charge or charges.

12. In the event that the Association shall at any time fail to maintain the drainage facilities, easements or retention or detention areas of the Subdivision in reasonable order and condition, the Township may serve written notice upon the Association setting forth the manner in which the Association has failed to maintain these easements in a reasonable condition and said notice shall include a demand that deficiencies of maintenance be cured within thirty (30) days thereof, and further, shall state the date and place of a hearing thereon before the Township Board or other such •card, body or official„to whom the Township Board shall delegate such responsibility, Which shell be held within fourteen (14) days of the notice. At such hearing, the Township may modify the terms of the oriyinal notice as to the deficiencies and may give an extension of time within which they shall be cured. If the deficiencies set forth in the origina:_ notice or in the modifications thereof shall notbe cured within said thirty (30) days of any extension thereof, the Township, in order to maintain the easement areas may enter upon said areas and maintain the same as needed. Said maintenance by the Township shall not constitute a taking of the easements nor vest in the public any right to use

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the same. The cost of maintenance by the Township plus a 25% administrative charge shall be assessed against the Association on a per lot basis in equal amounts and added to the tax rolls, collected and enforced. The Township shall be, at its option, subrogated to the right of the Association against its members to the extent of that cost, if the Township shell, by any official resolution,, give thirty (30) dray rs written notice to each member of the Township's election to be subrogated.

The Independence Valley subdivision is planned to encompass a total of 130 acres more or less of land currently in the ownership of ylvisaker Investment Co. Et Al, the Grantor. The Subdivision is to be platted in phases with the restrictioas, roadways, and outlots of each phase, when platted, to be identified, consistent and fully integrated with the Subdivision in totality. Notwithstanding the intent of the Grantor to complete all phases of the Subdivision as generally delineated on the Matter Plan, no legal commP:ment either actual or implied is intended or created for any future phases of development until each individual plat is legally established and.h , inding. The Master Plan presented with each plattiri is conceptual in nature but does not represent a legal commitrant for fulfillment in detail. Governmental agency requirements or practical consideration of topography, ground conditions, traffic circulation, etc. which cannot be fully determined may -.result in future modifications of the Master Plan. However, the general intent is to implement the Master Plan in concept with consistency of architectural standards, harmonious esthetics, and sharing of all Common Areas. Specifically, however, all Subdivision lots shall be provided pound Lake ae!cess and privileges e:Lther by common easement or outlet designation. Likewise, any recreational area car facility which may be designated or developed Snell be made available to all lot owners regardless of phase 'development.

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PART . B: Restrictions

14. Uses of Property •

a). All lots in the subdivision shall be used for residential purposes only and no building of any kind whatsoever shall be erected, re-erected, moved or naintained thereon except for one single family dwelling for residential purposes and a private attached two or more car garage for the sole us of the owner, purchaser or occupant. A family shall mean one person or a 'Troup of two or more person, living together and related by consanguinity, marriage or fecal adoption. The Grantor may permit the occupation of a dwelling by persons not constituting a family as defined herein provided it finds that such occupancy will not be detrimental to the purposes sought to be obtained by these restrictions. Such permission shall be obtained in writing from the Grantor prior to occupancy '.ey persons not constituting family as defined herein.

b). Notwithstanding anything contained herein to the contrary, the Grantor, its agents or sales representatives may occupy and use a house built an the Subdivision•or a' temporary building or mobile trailer as an office for sales, leasing and/or administrative purposes until such time as all lots in the Subdivision have been sold, subject to appro•a1 by the Township.

c). House trailers, mobile homes, campers, trailers of any kind, or commercial vehicles, including large trucks (except while

\ewe making normal deliveries) shall not be stored or parked on any lot except within a private attached and enclosed garage. Only boats less than 20' length may be stored with proper and adequate coverings in the rear of residences except as may otherwise be permitted by the Architectural Control Committee.

d). The Grantor reserves the right to construct, maintain repair and/or replace entrance markers within the Subdivision. For this purpose, the Grantor. shall have the right, but not the obligation, to enter upon the lots described herein and to maintain the area around any entrance me kern in the event that the owner of the respective lot fails to •paintain the premises in an aesthetic manner reasonably satisfactory to Grantor,

15. Character, Size, and/or Location of Iluilelines_ and Structurgs

a). No building or other ,structure including swimming pools, fences or similar devices shall be commenced or erected, nor shall any addition to or change. or alteration to any structure be made, except interior alterations, until the plans and specifications showing the nature, kind, shape, height, materials, color scheme, location on lots and approximate cost of such structure and the grading plan of the lot to be built upon shall have been submitted

5

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d1951 04/14/99 13:41 FAX 2483329479 Z007

H(R12177PG263 to and approved in writing by the Grantor, or its authoriZed agent, Oa by an Architectural Control Committee of the Association and a copy of said plans and specifications as finally approved, lodged permanently-with said Grantor or Associationa.

b). In approving any- adaitional building structure, swimming pool, fence or similar device, Grantor may require suitable screening with adequate shrubs, landscape materials or other modifications. Grantor shall take the following factors into consideration: Patio screen!: may be approved provided that :paid patio screen is attached to the rear of the main structure, and does not exceed 6 feet in height, 30 feet in depth and 50 feet in width. In any event, no fenCt shall be.permitted in the front yard or in either side yard except an ornamental fence not exceeding 3 feet in height. The front and. side yards shall include all of the area from the front lot line back to the rear corner of the building closest to each side lot line. The Grantor hereby expressly states its intention to maintain the open character of this residential area, and further expressly states its intention to discourage yard enclosures. A fence will be permitted to be erected around any privately owned swimming pool as a safety precaution or in accordance with municipal ordinances regulating the construction and use of swimming pools.

c). The Grantor shall have the right to refuse to approve any such plans or specifications or grading plan, which are not suitable or desirable in its opinion for aesthetic or other reasons and in so passing upon such plans, specifications and grading, it :shall have the right to take into consideration the suitability of the proposed building or other structure to be built to - the site upon which it is proposed to erect the same, and the harmony as planned in view of the outlook from the adjacent or neighboring properties. It is understood and agreed that the purpose of this paragraph is to cause the Subdivision to be developed into a beautiful, harmonious, private residential area, and, if a disagreement on the points set forth in ahis paragraph should arise, the decision of the Grantor shall control.

d). In the event that Grantor shall have failed to approve or disapprove such plans and lacatiopawithin thirty (30) days after the same shall have been delivered to the Orantor, however, then such approval will not be requared provided the plans and location on the lots conform to, or are in harmony with existing structures in the subdivision, the restrictions, and any zoning law applicable thereto.

e.) No residence shall be erected or constructed on any lot which has a living floor - apace exclusive of garage and porches of less than the following:

(a) 1-story Ranch lsoo square feet (b) 2-Story 2200 square feet

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(c) 1-1/2 Story or other multi-level

(d) Garage

2200 square feet

.Not less than 2 car attached with vehicular access only from the rear or vide elevation of the residence.

26. Euilding Lines

Residence and building set-backs shall conform to the zoning restrictions of Independence Tewriship which currently are 75' front, 10' side, 50' rear.

17. Animals

No chickens, other fowl, hoxses or livestoc< shall be kept or harbored on any of the said lots. No animals shall be kept or maintained on any lot excepting household pets for use by the occupants of the dwelling. No animals shall, be kept on the premises for any commercial use. Household pets shall have such care as not to be objectionable or offensive on account of noise, odor or unsanitary conditions. Animals may be declared nuisances by Grantor and must be removed within thirty (30) days if so requested in writing by the Grantor or its authorized representative.

18. Signs

No. sign or billboard shall be placed or maintained on any lot \--/ except one sign advertising the lot or house, and lot for sale or

lease, and having not more than six (6) square feet of surface and the top of which shall be three (3) feet or less above the ground; provided, however, such other signs may be erected and maintained on lots as are permitted by written consent of the Grantor or ae permitted by municipal ordinance.

19. 'Septic Systems

Unless a public system is eveilable, all dwellings shall be served by an individual septic system approved by authorized public agents. All toilet facilities rust be located inside a dwelling. At some time subsequent to the :Initial development, it may be necessary to construct a community water supply sand sewage disposal. system. the construction of such public systems may be financed, in whole or in part, by the creation of a special assessment district or districts which may include all original lots. The acceptance of a conveyance or te,e execution of a land contract by any owner.or purchaser shall constitute the agreement by such owner or purchaser, his heirs, executors, administrators and assigns that such owner or purchaser will execute any petition circulated for the purpose of creating such a special assessment district. Further, each owner will pay such special assessments as may be

7

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LSCR12177n265

levied against his lot by such special assessment district and shall take the necessary steps as, required by the appropriate state, county anaatownship agencies 'to connect, at his own expense, his water intake and sewage discharge facilities to such community

' 'system within 90 days following ahe completion of said system or systems. Permits for the installation of water and sewage disposal systems must be obtained from tha Oakland County Health Division prior to any construction on any lot of the subdivision.

20. Water systems

Unless a public system is available, all dwellings shall be constructed in accord with acid approved by all applicable, governmental agencies. All dwellings shall be serviced by a potable water supply system. All wells on individual lots shall be drilled to a depth that will penetrate a protective clay barrier. A test well found a clay barrier at 85 feet with water bearing sand at 113 feet. All wells on individual lots must be drilled by a well driller aicensad by the State of Michigan. The well driller shall complete a well log for each such potable water well and submit it to the Oakland. County Health Division within au days following completion of such well.

21. Refuse and,Toxic substanma

No refuse pile or other unsightly or objectionable materials shall be ,allowed on any said lots unless the same shall be properly concealed. Refuse, ashes, building materials, garbage and debris

a,..,/ of any kind shall be cared for in such a manner as not to be offensive to neighboring property owners. Residents shall limit fertilizer application on lawns anl other open areas to fertilizer with low phosphorous (less than 5% by weight) content.

22. naliawages

No noxious or offensive activity shall be carried on or permitted upon any lot nr shall anything be done thereon which is or may be an annoyance or nuisance to adjacent or other owners. All appurtenances shall conform to any and all regulations of each governmental agency having jurisdactiohathereover.

23. Easements

Easements and rights of way arc hereby reserved as shown on the recorded plat for installation or maintenance of telephone cr electric poles, lines or conduits or sewer, gas lines or water mains, for drainage purposes, or for the use of any other public utility or for such other purposes incidental to the development of the Subdivision, deemed necessary or aasisable by Grantor. The use of all or part of such easements and rights of way may he granted cr assigned at any ..time hereafter by the Grantor to any person, firm, governmental unit or agency cr corporation furnishing

Z009

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d1951 04/14/99 13:43 FAX 2483329479

any such services. ll2P121176266

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24. Flood 21ain wetlands and detention areas

Independence Valley Phase II contains designated floodplain and Wetland areas subject to governmental regulation and restriction by the State of Michigan and/or the Independence Township Wetland authorities-. The 100 year floodplain elevation for Round Lake Is 1042.0 Datum. The floodplain contour is delineated and the Floodplain Area is labeled on the plat. No filling or occupation of the floodplain or regulated wetlands shall take place without prior approval from the Michigan Department cf Natural Resources and Independence Township. Xn addition, there shall be no disturbance, filling and/or alteration of any detention area without approval of Independence Township and the Oakland County Drain eommiesioner. No building used or capable of being used for residential purposes shelL occupy areas within or affected by the floodplain. Building resteictions required by Subdivision Rule 8560.304 (2), c thru g, are hereby incorporated in these restrictions and are stated as :Follows:

"Any building used or capable of being used for residential purposes and occupancy within or affected. by the floodplain shall comply with. all of the following requirements:

(c) Have lower floors, excluding basements; not lower than the elevation defining the floodplain limits.

(d) Have openings into the basement riot lower than the elevation defining the floodplain limits.

(e) Have basement walls and floors, if below the elevation defining the floodplain limits, which are watertight and designed to withstand hydrostatic pressures from a water level equal to the elevation of the contour defining the floodplain limits foilowing methods and procedures outlined in chapter 5 for type A construction and chapter 6 for class 1 loads found in, the publication entitled "Flood Proofing Regulations'e IT 116e 2 314, prepared by the office of the chief of engineers, United States Army, Washington, DC, June 1972. Figure 5 on page 14-5 of the regulations shows typical foundation drainage and waterproofing details. This document is adopted by reference in these rules and is available, at no cost, from the Department cf Natural Resources, Land and Water Management Division, Stevens T. Maso'i Building, P.O. Box 30028, Lansing, Michigan 48909, or Department of the Army, Corps of Engineers, Publications Depot, 8900 S. Pickett, Alexandria, Virginia 22304.

(f) Be equipped with a politive means of preventing sewer backup from sewer lines and drains which serve the

9

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d1951 04/14/89 13:44 FAX 248332947A 1ZJ en.

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[IeR12177?C267 building.

(g) Be properly anchored tc prevent flotation.

Floodplain restrictions as stated are to be observed in perpetuity, excluded from any time limitations, and may not be amended.

2B. Remedeps in Event ofiolation

With respect to said Subdivision, violation of any restriction or condition or breach of any covenant or agreement herein contained shall give the Grantor, its successors, or any subdivision lot owner, the right to enforce Sane by proceeding at law or .in equity against any person or persons violating or attempting to violate these restrictions either to restrain violations or to recover damages and shall give to the Grantor or its successors, the right to enter upon the land as to which such violation or breach exists, and 1;ummarily to abate and remove, at the eepense of the owner thereof, any erection, sign, thing or condition that may be or exist c.entrary to the entent and meaning of the provisions hereof, and the Grantor shall not thereby be deemed guilty of any manner of trespass for such entry, abatement or removal.

26. Duration and Amendment

eee All the restrictions, conditions, covenants, charges and agreements contained herein shall continue in force until year 200D and shall automatically be ccntinued thereafter for successive periods of ten (10) years each, provided. however, that after 60T of the Subdivision lots have been sold, the owners of the property representing not less than two thirds (2/3) of the total votes of the Subdivision may amend these restrictions by written instrument executed by said owners and recorded in the office of the Register of Deeds for the County of Oakland. Notwithstanding anything to the contrary contained herein, the Grantor may amend these restrictions with the consent oe fifty-one percent (51%) of the memberc of tho esseceatien by written instrument recorded in the office of the Register of Deeds. In all events, the provisions of paragraphs 12 and 24 shall not be subject to amendment without approval of Independence Township.

With the exception of restrictions cited in Paragraphs 19 ane 20 (Septic Systems, Water Systems) and Paragraph 24 (Floodplain, Wetlands) which are -,andated by governmental authorities, each restriction contained herein is intended to be severable and, in the event that any one covenant is for any reason void, it shall not affect the validity of the remaining covenants and restrictions.

10

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IN THE PRESENCE OF:

d1951 04/14/99 13:44 FAX 2483329479 1012

tr j2177 268 IN WITNESS WHEREOF the undersgned hergto.pave set their pfd

and seal on this utf, •day of j'Pri-L , 19

Ylvisaker Investment Corpany a Registered Limited Michigan Partnership 875 Canterbury Crescent Bloomfield Hills, MI 48013 Liber , Page Oakland County

John R. YlirIsaker General Partner

ACKNOWLEDGEMENTS

'tate of Michgian) `-Oakland County ) ss

Personally, 11th

came before me this day of April , 19 ' , John R. Ylvisake -.:, General Partner, of the above named limited partner8hip to me known to be the person who executed the foregoing instnunent and to in known to be such general and acknowledged that he executed the fcregoing instrument as such general part.ler as the free act and deed of said limited partnership.

Notary Publi .loan C. Wummel

My Commissi Expires Tpri11ar_25, 1999

0,g1t 1 ..uxj CO., MI.

CUGC i71

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d1951 04/14/99 13:45 FAX 2483329479 x 013

uat9 12177E269

IN THE PRESENCE OF:

WITNESSES

Joan C. 1Jurrolel

11V V-74ca

John . Ylvisaker B75 Canterbury Crescent Bloomfield Hills, MI 49013

Attorney-in-fact for

Jon E. Ylvisaker as recorded in Liber 11458, Page 583 Oakland County, Michigan.

Attorney-in-fact for

Z.Wsan M. Ylvisaker Gordan as recorded in Liber 11458, page 578, Oakland County, Michigan.

Paula S. 14yer5 Attorney-in-fact for

:fancy J. Ylvisa:cer, as recorded in Liber 11438, page 581, Dakland County, Michigan.

Attorney-in-feet for

Jeffrey A. Ylvisaker, as recorded in Liber 11458, page 587, Oakland County, Michigan.

Attorney--in-fart for

Renee Ylvisaker, as recorded in Liber 11554, page 273, Oakland county, Michig-an.

.. •

• • -

' • . . J -

Attorney-in-fact for

Andrew L. Bartos and Barbara Bartos, his wife, ac recorded in Liber_ii ga Page , Cakland County. Michigan.

Attorney-in-fact for

Robert F. Prince Jr. and Ellen F. Prince, tqs,wife, as recorded in Liber ,page 103 , Oakland County, Michigan.

12

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d1951

WITNESSES

Joan C. Wumrloi,

Paula S. myers

d1951 04/14/99 13:45 FAX 2483329479

titr.1(-4),177H270 ACKNO7LEDGEMENT

State of Michigan Oakland County SS

Personally care 11

•01

before re this day of AprL , 19 0 1 0'ohn R. YIvisaker, attorney:17717Ct, to me . ..

known to be the person who executed the foregoing instrument, and to me known to be such attorney-in-fact, and acknowledged that he excuted the foregoing instrument as such attorney-in-fact as his free act and deed.

1 r

Notary Public 4.--t(.., 1:L272 Oakland CO.,MI. Joan C. wl.imm•

My Commissicji expires January 25, 1991

Z014

IN THE PRESENCE or:

AcTN0WIADOEMENTS

44e'--6e'16.7<LU Le6 Wcisel 9764 Pine Knob Road Clarkston, Michigan 48348

Shirley W- tel. 9764 Pine Knob Road Clarkston, Michigan 48348

John R7. YlviSaker 875 Canterbury Crescent Bloomfield Hills, Michigan 48013

State of Michigan) Oakland County ) 55

Personally came before me t) is 11th s day of April , 19 qi , Leo Weisel and Shirley WciTel, his wife, -75Fn R. Ylvisaker, a single man, to me known to be the persons who executed the foregoirg instrument and acknowledged that they executed the foregoing instrument as their free act and deed.

Notary Public L) 1.4-ro/-1426.44 OaklAnd

onn C. Wummel My CommissioxvExpires ,Lomagy...)5 1995

13

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d1951 C4/14/99 13:46 FAX 2483329479

IH THE PRESENCIE OF:

WITNESSES

LIn1121.71P(1271 First of America Southeast 30 N. Saginaw Street voltaic, Michigan 4 ,3342

•

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.,.. . .

'A.R. 'Raising, Jr. j Barba.ra „Y'.,1-11 *Cie r Vice-President

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....., ;

Iei:T: Misuraca A.isistant Vice-President

ACENOwLE0g.garf

state of michigan) Oakland County

/Viersonally cane before me day of , A.R. Relying, ff.', vice"

Presxdent, and Ida J. Misuraca, ASC.StEalt Vice-President, of the above named association, to me known to be such vice-vresident and AssistantVicu-Fresident of said association, and acknowledged that he executed the foregoing instrument as such officer as the free act and deed fo said association, by its authority.

Notary , / (1 . •i• (q.,(2.hel.-A.EIL.' Co., MI LI r- 7 1

My Commission EXV BARBARA J. HEELER

Matey Palle, UAW . :012111f. Mladpn Clrerasiases Exp e. nam at 23. t353

This will certify that I haze reviewed and approved the restrictions contained herein.

Date : /..5,„: hart wyszt. R.S., 'Environmental Sanitarian •7akland county Health bepartment

IN THE PRESENCE OF:

WITNESSES

marla A. Killen -Durwood C. Allen Senior Vice-President

Lori S. Schulte

aGaallaZZHIVI

State of Michigan) Oakland County ) SS

Personally came before me this 8th day of November , 1991, D.E.ozcl C. Allan, Sailor Vice-Pre is of

the above named r77471 17T-savings Bank, to me known to be such Senior Vice -President of sa:.d Federal Savings sank, and acknowledged that he executed the foregoing instrument as such officer as the free act and deed .f said Federal Savings Bank, by ite authority. , , • . ,

s --)., • -2 s'Ng.., -, ...--5 Notary Public i...,-;

„ 5_ sent! i yz , _OAUkat__ CO.. Mr.

My COnntias ion Elm i:rom__ ........4..1.,_1.1...1315 ** TOTAL PHCE.22

Erenda J. Dugan

••

Standard Federal Bank 2600 W. Big Beaver Troy, Michigan 46064

d1951