2006 Commitment Schedules Snapshot 3

8/14/2019 2006 Commitment Schedules Snapshot 3

1/14ALTA 2006 Commitment Schedule

Security Title Guaranty Company

1805 Shea Center Drive, Suite 130

Highlands Ranch, CO 80129

(303) 889-8357


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American Land Title Association ALTA Commitment FormAdopted 6-17-06

Copyright 2006-2009 American Land Title Association. All rights reserved.

The use of this Form is restricted to ALTA licensees and ALTA members

in good standing as of the date of use. All other uses are prohibited.Reprinted under license from the American Land Title Association.

FIDELITY NATIONAL TITLE INSURANCE COMPANY AS ISSUING AGENT 1-800-943-1196

Issued by Fidelity National Agency Solutions

SCHEDULE A

Loan No:

Title No: STG-29063851

1. Effective date: October 28, 2009Issue Date: 11/20/2009

This Title Insurance Commitment is good for 60 days from the date of issue. Do not rely uponthis after 01/04/2010 AT 11:59PM, a title update must be ordered. If you close a transactionbased on this Title Insurance Commitment after 01/04/2010 AT 11:59PM without a title updateFidelity National Title Insurance will not issue a Title Insurance Policy.

2. Policy (or Policies) to be issued:

(a) Owners Policy PolicyAmount

Proposed Insured:

Policy Premium: $0.00 (Additional discounts may apply)

(b) Loan Policy ALTA 2006 Short FormPolicy

Policy Amount $314,000.00

Proposed Insured:

National Bank of Kansas City STGPolicy Premium: $732.00 (Additional discounts may apply)

(c) Proposed Insured PolicyAmount

$0.00

3. The estate or interest in the land described or referred to in this Commitment is:

FEE SIMPLE

The estate is subject to, and the Company does not insure title to, and excepts from thedescription of the land, coal, lignite, oil, gas and other minerals in, under and that may beproduced from the land, together with all rights, privileges, and immunities relating thereto


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Title No STG-29063851

LEGAL DESCRIPTION

EXHIBIT A

THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF Bergen, STATE OF NewJersey, AND IS DESCRIBED AS FOLLOWS:

ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTSTHEREON ERECTED, SITUATE, LYING AND BEING IN THE TOWNSHIP OF SADDLE BROOK COUNTYOF BERGEN STATE OF NEW JERSEY:

BEGINNING AT THE CORNER FORMED BY THE INTERSECTION OF THE SOUTHERLY SIDE OFSTERLING PLACE WITH THE WESTERLY SIDE OF SADDLE RIVER ROAD; AND RUNNING THENCE

(1) SOUTH 2 DEGREES 15 MINUTES 40 SECONDS EAST ALONG THE SAID WESTERLY SIDE OF SADDLERIVER ROAD 101.60 FEET TO THE LINE OF LANDS NOW OR FORMERLY OF EVERETT D. BARLOW;THENCE

(2) NORTH 81 DEGREES 55 MINUTES 20 SECONDS WEST, ALONG THE NORTHERLY LINE OF LANDSNOW OR FORMERLY OF EVERETT D. BARLOW 50.825 FEET; THENCE

(3) NORTH 2 DEGREES 15 MINUTES 40 SECONDS WEST AND PARALLEL WITH THE SAID WESTERLYSIDE OF SADDLE RIVER ROAD, 101.525 FEET TO THE SAID SOUTHERLY SIDE OF STERLING PLACE;AND THENCE

(4) SOUTH 82 DEGREES 00 MINUTES EAST, ALONG THE SAID SOUTHERLY LINE OF STERLING PLACE50.81 FEET TO THE POINT OR PLACE OF BEGINNING.

NOTE FOR INFORMATION: SAID PREMISES ARE ALSO KNOWN AS TAX LOT 7 IN BLOCK 906 ASSHOWN ON THE CURRENT OFFICIAL TAX MAP FOR THE TOWNSHIP OF SADDLE BROOK.

Parcel ID: 02570090600007

Commonly known as 199 Saddle River Road, Saddle Brook, NJ 07663However, by showing this address no additional coverage is provided


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The use of this Form is restricted to ALTA licensees and ALTA membersin good standing as of the date of use. All other uses are prohibited.Reprinted under license from the American Land Title Association.


Issued by Fidelity National Agency Solutions

Title No. STG-29063851

SCHEDULE B SECTION I

REQUIREMENTS

The following requirements must be met:

1) Pay the agreed amounts for the interest in the land and/or the mortgage to be insured.

2) Pay us the premiums, fees and charges for the policy.

3) If the insured premises include a mobile or manufactured home that has not been permanently affixed to thepremises, Company will not issue a final policy of title insurance and any and all obligations created under thiscommitment will be void.

4) Instrument(s) creating the estate or interest (Title) to be insured, executed, delivered and recorded in the PublicRecords of the appropriate county

5) Pay all taxes, charges, and assessments affecting the land that are due and payable.

6) Duly executed Title/Owners Affidavit.

7) Documents for recordation pertinent to this transaction are required to be presented for recording in the formatrequired by the appropriate county recording jurisdiction

8) Tax Information to follow as Exhibit B.

9) A judgment search has been performed in the county land records, for Frances I Joseph and Alfonso Joseph.Results of this search for the name of Frances I Joseph and Alfonso Joseph will be named in this commitment,if any. (All results herein are for information purposes only and are not warranted for content, accuracy or anyother implied or explicit purpose)

10) Company requires a Mortgage, deed of trust, security instrument in the amount of $314,000.00 fromALFONSO JOSEPH AND FRANCES JOSEPH to National Bank of Kansas City STG, be executed, and

delivered in recordable form.

11) Obtain and File Satisfactory resolution of the following matters:


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a) Company requires evidence of satisfaction or release of a mortgage from ALFONSO JOSEPH ANDFRANCES JOSEPH (borrower) dated June 24, 2005 and recorded on July 13, 2005 in (instrument)89261, of the official property records of BERGEN County, NJ in the amount of $340,000.00 and in favorof MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS A NOMINEE FORMORTGAGE CAPITAL ASSOCIATES, INC. (lender)

b) CLEARANCE OF ALL PARTIES TO TRANSACTION OF THE SPECIALLY DESIGNATED

NATIONALS & BLOCKED PERSONS DATABASE. (PATRIOT ACT) SEARCHED FOR FRANCESI JOSEPH AND ALFONSO JOSEPH : NO RESULTS FOUND. (ALL RESULTS HEREIN ARE FORINFORMATION PURPOSES ONLY AND ARE NOT WARRANTED FOR CONTENT, ACCURACYOR ANY OTHER IMPLIED OR EXPLICIT PURPOSE)

c) As of the effective date of this commitment no bankruptcy filing on behalf of FRANCES I JOSEPH ANDALFONSO JOSEPH, Debtor, in the State of NJ appear of record. Any claim because of or arising out ofany bankruptcy proceeding that was not disclosed by filed notice from the Federal District Court, for theState of NJ Bankruptcy Divisions, is hereby excluded from coverage. (All results herein are forinformation purposes only and are not warranted for content, accuracy or any other implied or explicitpurpose)

12) The Company requires that a Notice of Settlement be filed pursuant to NJSA 46:16A-1 et. seq. prior toclosing. The Notice should be file as nearly as possible to, but not more than 45 days prior to, the anticipatedclosing date. Should the anticipated closing not close within 45 days of the filing of the Notice of Settlement,another Notice must be filed. If both a deed and mortgage are to be insured, two Notices of Settlement must befiled, one for the deed and one for the mortgage. Copies of filed Notices must be provided to the Company as partof the post closing package


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12) Any matters listed as requirements on Schedule B-I that are not resolved to the satisfaction of Company will beshown as an exception on final policy.

13) NOTE: ACCORDING TO THE PUBLIC RECORDS, THERE HAVE BEEN NO DEED CONVEYING THELAND DESCRIBED HEREIN WITHIN A PERIOD OF TWENTY FOUR (24) MONTHS PRIOR TO THEDATE OF THIS REPORT, EXCEPT AS FOLLOWS: NO RESULTS FOUND.


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EffectiveDate:5/1/2008FidelityNationalFinancial,Inc.Privacy Statement

FidelityNational Financial, Inc.and itssubsidiaries (FNF) respectthe privacyand security ofyournon-publicpersonalinformation(PersonalInformation) andprotecting yourPersonal Information is oneof our toppriorities. ThisPrivacyStatement explainsFNFs privacypractices,includinghowweusethePersonalInformationwereceivefromyouandfromotherspecifiedsources,andtowhomitmaybedisclosed.FNFfollowstheprivacypracticesdescribedin thisPrivacyStatement and, dependingonthebusinessperformed,FNFcompaniesmayshareinformationasdescribedherein.Personal Information CollectedWemaycollectPersonalInformationaboutyoufromthefollowingsources:

Informationwereceivefromyouonapplicationsorotherforms,suchasyourname,address,socialsecuritynumber,taxidentificationnumber,assetinformation,andincomeinformation;

InformationwereceivefromyouthroughourInternetwebsites,suchasyourname,address,emailaddress,InternetProtocoladdress,thewebsitelinksyouusedtogettoourwebsites,andyouractivitywhileusingorreviewingourwebsites;

Informationaboutyourtransactionswithorservicesperformedbyus,ouraffiliates,orothers,suchasinformationconcerningyourpolicy,premiums,paymenthistory,informationaboutyourhomeorotherrealproperty,informationfromlendersandotherthirdpartiesinvolvedinsuchtransaction,accountbalances,andcreditcardinformation;and

Informationwereceivefromconsumerorotherreportingagenciesandpubliclyrecordeddocuments.Disclosure of Personal InformationWe may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) to variousindividualsand companies,aspermittedby law,withoutobtainingyour prior authorization. Such lawsdonot allowconsumers torestrict thesedisclosures.Disclosuresmayinclude,withoutlimitation,thefollowing:

Toinsuranceagents,brokers,representatives,supportorganizations,orotherstoprovideyouwithservicesyouhaverequested,andtoenableustodetectorpreventcriminalactivity,fraud,materialmisrepresentation,ornondisclosureinconnectionwithaninsurancetransaction;

Tothird-partycontractorsorserviceprovidersforthepurposeofdeterminingyoureligibilityforaninsurancebenefitorpaymentand/orprovidingyouwithservicesyouhaverequested;

Toaninsuranceregulatoryauthority,oralawenforcementorothergovernmentalauthority,inacivilaction,inconnectionwithasubpoenaoragovernmentalinvestigation;

Tocompaniesthatperformmarketingservicesonourbehalfortootherfinancialinstitutionswithwhichwehavejointmarketingagreementsand/or

Tolenders,lienholders,judgmentcreditors,orotherpartiesclaiminganencumbranceoraninterestintitlewhoseclaimorinterestmustbedetermined,settled,paidorreleasedpriortoatitleorescrowclosing.

WemayalsodiscloseyourPersonalInformationtootherswhenwebelieve,ingoodfaith,thatsuchdisclosureisreasonablynecessarytocomplywith thelaw or toprotectthe safetyofour customers, employees, orpropertyand/orto complywith a judicialproceeding,courtorder or legalprocess.Disclosure toAffiliatedCompanies Weare permitted bylaw to shareyour name,addressand facts aboutyour transactionwith otherFNFcompanies,suchasinsurancecompanies,agents,and other realestateserviceprovidersto provideyouwith services youhaverequested,for

marketingor productdevelopmentresearch,or tomarketproductsor servicesto you. Wedonot,however,discloseinformationwecollectfromconsumerorcreditreportingagencieswithouraffiliatesorotherswithoutyourconsent,inconformitywithapplicablelaw,unlesssuchdisclosureisotherwisepermittedbylaw.DisclosuretoNonaffiliatedThirdPartiesWedonotdisclosePersonalInformationaboutourcustomersorformercustomerstononaffiliatedthirdparties,exceptasoutlinedhereinorasotherwisepermittedbylaw.Confidentiality and Security of Personal InformationWerestrictaccesstoPersonalInformationaboutyoutothoseemployeeswhoneedtoknowthatinformationtoprovideproductsorservicestoyou.Wemaintainphysical,electronic,andproceduralsafeguardsthatcomplywithfederalregulationstoguardPersonalInformation.Access to Personal Information/Requests for Correction, Amendment, or Deletion of Personal InformationAsrequiredbyapplicablelaw,wewillaffordyoutherighttoaccessyourPersonalInformation,undercertaincircumstancestofindouttowhomyourPersonalInformationhasbeendisclosed, andrequestcorrectionor deletionof yourPersonal Information. However,FNFscurrentpolicyis tomaintain customersPersonalInformation forno less than yourstatesrequired recordretention requirementsforthe purposeof handlingfuturecoverageclaims.

Foryourprotection, allrequestsmadeunderthissectionmustbeinwritingandmustincludeyournotarizedsignaturetoestablishyouridentity.Wherepermittedbylaw,wemaychargeareasonablefeetocoverthecostsincurredinrespondingtosuchrequests.Pleasesendrequeststo:

ChiefPrivacyOfficerFidelityNationalFinancial,Inc.601RiversideAvenueJacksonville,FL32204

Changes to this Privacy StatementThisPrivacyStatementmaybeamendedfromtimetotimeconsistentwithapplicableprivacylaws.WhenweamendthisPrivacyStatement,wewillposta noticeofsuchchangesonourwebsite. Theeffectivedateof thisPrivacyStatement,asstatedabove,indicatesthe lasttimethisPrivacyStatementwasrevisedormateriallychanged.


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FIDELITY NATIONAL TITLE INSURANCE COMPANY

AGENT AND BRANCH CLOSING PROTECTION LETTER CPL DATE: 11/20/2009 (The coverage provided by this letter expires

01/14/2010 AT 11:59PM, 45 days from the date of this CPL

ATTENTION: ISSUING AGENT OR APPROVED ATTORNEY:National Bank of Kansas City STG Security Title Guaranty Company,

1805 Shea Center Drive, Suite 130, Highlands Ranch, CO 80129, an

authorized Settlement Agent for

Fidelity National Title Insurance c/o Fidelity National Agency Solutions, a

division of Fidelity National Title Insurance 6500 Pinecrest Drive, Suite

600, Plano, TX 75024Transaction (hereafter, the Real Estate Transaction): 199 Saddle River Road, Saddle Brook, NJ 07663Re: Closing Protection Letter: Frances I Joseph and Alfonso Joseph Loan#:

Title No.: STG-29063851

To Whom It May Concern:

When title insurance ofFidelity National Title Insurance (Company) is specified for your protection in connection with the closing of the above described realestate transaction in which you are to be a lender secured by a mortgage of an interest in land, the Company, subject to the Conditions and Exclusions set forth

below, hereby agrees to reimburse you for actual loss incurred by you in connection with that closing when conducted by the above named Issuing Agent (an agentauthorized to issue title insurance for the Company) ofFidelity National Title Insurance or the above named Attorney and when such loss arises out of:

1. Failure of the Issuing Agent or Attorney to comply with your written closing instructions to the extent that they relate to (a) the title to said interest inland or the validity, enforceability and priority of the lien of said mortgage on said interest in land including the obtaining of documents and thedisbursement of funds necessary to establish such status of title or lien, or (b) the collection and payment of funds due you, or

2. Fraud of or misapplication by the Issuing Agent or Attorney in handling your funds or documents in connection with the matters set forth in numbered

paragraph 1 above.

If you are a lender protected under the foregoing paragraph, your borrower in connection with a loan secured by a mortgage on a one to four family dwelling, whichis the principal residence of the borrower, shall be protected, but only to the extent of the foregoing paragraph 2, as if this letter were addressed to your borrower. Ifyou are a purchaser of a one to four family dwelling, including a condominium unit, which is your principal residence, and are paying cash for the purchase, youare protected, but only to the extent of the foregoing paragraph 2.Conditions and Exclusions

A. The Company will not be liable to you for loss arising out of:1. Failure of the Issuing Agent or Attorney to comply with your closing instructions which require title insurance protection inconsistent with

that set forth in the title insurance binder or commitment issued by the Company. Instructions which require the removal of specificexceptions to title or compliance with the requirements contained in said binder or commitment shall not be deemed to be inconsistent.

2. Loss or impairment of your funds in the course of collection or while on deposit with a bank due to bank failure, insolvency or suspension,except such as shall result from failure of the Issuing Agent or the Attorney to comply with your written closing instructions to deposit thefunds in a bank which you designated by name.

3. Mechanics and materialmens liens in connection with your purchase or lease or construction loan transactions, except to the extent thatprotection against such liens is afforded by a title insurance binder, commitment or policy of the Company.

B. If the closing is to be conducted by an Issuing Agent or Attorney, a title insurance binder or commitment for the issuance of a policy of title insurance ofthe Company must have been received by you prior to the transmission of your final closing instructions to the Issuing Agent or Attorney.

C. When the Company shall have reimbursed you pursuant to this letter, it shall be subrogated to all rights and remedies which you would have had againstany person or property had you not been so reimbursed. Liability of the Company for such reimbursement shall be reduced to the extent that you haveknowingly and voluntarily impaired the value of such right of subrogation.

D. Any liability of the Company for loss incurred by you in connection with closings of real estate transactions by an Issuing Agent or Attorney shall bylimited to the protection provided by this letter. However, this letter shall not affect the protection afforded by a title insurance binder, commitment or

policy of the Company.E. Claims shall be made promptly to the Company at its principal office at P.O. Box 45023, Jacksonville, Florida 32232-5023. When the failure to give

prompt notice shall prejudice the Company, then liability of the Company hereunder shall be reduced to the extent of such prejudice.F. Liability under this letter is limited to the amount of insurance committed for and is subject to all of the Exclusions from Coverage and Conditions and

Stipulations of the policy or policies committed to be issued by the Company. Any payment of loss under this letter shall constitute a payment under thepolicy, and vice versa.

THIS LETTER DOES NOT APPOINT THE ABOVE NAMED ATTORNEY AS AN AGENT OF Fidelity National Title Insurance.

The protection under this Closing Service Letter is limited to the closing on the premises described in the caption of this letter.

Fidelity National Title Insurance

BY:

______________________________________________Michele W. Jorgensen, Senior Vice President

LETTER ID: STG-29063851Please direct all correspondence and inquiries to: 6500 Pinecrest Drive, Suite 600, Plano, TX 75024 Telephone- 800-943-1196- Fax-972-473-1323

THIS LETTER IS ONLY AUTHORIZED IN New Jersey


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RECORDING REQUESTED BY:Frances I Joseph and Alfonso Joseph

WHEN RECORDED MAIL TO:Frances I Joseph and Alfonso Joseph199 Saddle River Road, Saddle Brook, NJ 07663_______________________________________________________________________________

NON DURABLE LIMITED POWER OF ATTORNEY

CAUTION: THIS IS AN IMPORTANT DOCUMENT. IT GIVES THE PERSON WHOM YOU DESIGNATE (YOUR"AGENT" OR "ATTORNEY IN FACT" HEREINAFTER CALLED AGENT/AIF) CERTAIN LIMITED POWERS TO ACTON YOUR BEHALF FOR A SPECIFIC TRANSACTION DURING A CERTAIN PERIOD OF TIME, WITH RESPECT TOANY LOSS OF, MISPLACEMENT OF, INACCURACY IN, OR FAILURE TO SIGN THE DOCUMENTS SPECIFIEDBELOW. YOUR AGENT/AIF WILL CONTINUE TO HAVE THESE POWERS AFTER THE LOAN CLOSING, FOR THELIMITED PURPOSE TO REPLACE OR CORRECT SUCH DOCUMENTS IF THE DOCUMENT

CORRECTION/COMPLETION IS NECESSARY TO COMPLETE THE RECORDING OF THE SECURITYINSTRUMENT/CONVEYANCE DEED OR OTHER DOCUMENTS SPECIFIED BELOW. IF THE ATTORNEY IN FACTHAS ACTUAL KNOWLEDGE OF ANY INCOMPETENCE BEFORE, DURING OR AFTER CLOSING, THE POWERSCONTAINED HEREIN WILL CEASE TO EXIST. IF YOU DO NOT UNDERSTAND THE PURPOSE OR EFFECT OF THISFORM, YOU SHOULD CONSULT AN ATTORNEY.

TRANSACTION SPECIFICS

Principal: ALFONSO JOSEPH AND FRANCES JOSEPHSecured Property Address 199 Saddle River Road, Saddle Brook, NJ 07663

Lender: National Bank of Kansas City STGLoan Number Loan Amount $314,000.00

BE IT KNOWN, that I / We, ALFONSO JOSEPH AND FRANCES JOSEPH

Whose residenceaddress is: 199 Saddle River Road, Saddle Brook, NJ 07663


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Make and appoint, as my / our true and lawful Attorneys in Fact or Agents to act for me / us in my / our name(s), place and stead,the following persons who are employees of Fidelity National Financial, Inc, namely: Adeline Gibson, Elizabeth McCool, MicheleJorgensen, or Pamela Hogan-Hicks, whose business address is 6500 Pinecrest Drive, Suite 600, Plano, TX 75024. Each of my / ouragents may exercise the powers conferred in this power of attorney separately, without the consent of the other agent. My /Ouragents may delegate the powers, tasks and duties to one of the other agents but to no other person. My / Our Agents/AIFs mayexercise the powers to accomplish the following specific and limited purposes:

(A) With respect to any loss of, misplacement of, inaccuracy in, or failure to sign the documents specified below toexecute, initial or take all necessary actions for correction purposes only to secure the interest of National Bankof Kansas City STG in the property located at 199 Saddle River Road, Saddle Brook, NJ 07663 as insured byFidelity National Title Insurance:

1. Security Instrument to National Bank of Kansas City STG in the amount of $314,000.00 dollars whichhas been executed on ______________by ALFONSO JOSEPH AND FRANCES JOSEPH______________________;

2. Deed conveying the Secured Property from _______________________________________ to_______________________________________ executed on ___________. THIS IS ONLYNECESSARY IF A DEED IS BEING USED IN THE TRANSACTION.

2. Documents required by any governmental or taxing authorities to complete the recording of the SecurityInstrument and Conveyance Deed as stated in paragraph (A) (1) and (A) (2) above;

Further giving and granting said Agent/AIF, full power and authority to do and perform all and every act and thing whatsoevernecessary to be done in and about the specific and limited premises (setout herein) as fully, to all intents and purposes, as might orcould be done if personally present, with full power of substitution and revocation, hereby ratifying and confirming all that saidattorney in fact (also called agent) should lawfully do or cause to be done by virtue hereof.

This Power of Attorney is effective immediately and is limited to the specific transaction described above. This Power of Attorneyshall not be effective in the event of my / our disability or incapacity. This Power of Attorney will terminate upon the properrecording of all documents (as stated above in Section A of this Power of Attorney) necessary or requested as part of thistransaction by the title insurer, lender or other parties to the transaction, except with respect to any loss of, misplacement of,inaccuracy in, or failure to sign the documents listed in Section A of this Power of Attorney, these powers will continue to exist forthe limited purpose to replace or correct such documentation.

I / We acknowledge that I / We have agreed to and assume the obligations, terms and conditions of the sale and/or loan transactionas described in the documents executed by me / us (or my representative) at closing. I / We understand that my / our Agent/AIF isexercising his/her power for the sole purpose of resolving clerical matters as described in Section A.

Conflict of Interest Disclosure. I / We understand that Fidelity National Financial, Inc. or one of its subsidiaries receives fees forescrow, title insurance premium, and title services from the closing. I / We further understand that these fees will be detailed onmy / our Settlement Statement that accompanies my / our loan documents.

TO INDUCE ANY THIRD PARTY TO ACT, I / WE AGREE THAT ANY THIRD PARTY RECEIVING AN EXECUTEDCOPY OR FACSIMILE OF THIS INSTRUMENT MAY ACT ON THIS INSTRUMENT. ANY REVOCATION ORTERMINATION OF THIS INSTRUMENT WILL BE INEFFECTIVE AS TO SUCH THIRD PARTY UNTIL SUCH THIRDPARTY HAS ACTUAL OR CONSTRUCTIVE NOTICE OF SUCH REVOCATION OR TERMINATION. I / WE, FORMYSELF / OURSELVES AND FOR MY / OUR HEIRS, EXECUTORS, LEGAL REPRESENTATIVES AND ASSIGNS,

AGREE TO INDEMNIFY AND HOLD HARMLESS ANY SUCH THIRD PARTY FROM AND AGAINST ANY AND ALLCLAIMS THAT MAY ARISE AGAINST SUCH THIRD PARTY BY REASON OF SUCH THIRD PARTY HAVINGREASONABLY RELIED ON THE PROVISIONS OF THIS INSTRUMENT.

I / We, ALFONSO JOSEPH AND FRANCES JOSEPH , the principal, sign my / our name to this power of attorney thisday of , 2009, and, being first duly sworn, do declare to the undersigned authority that I / We sign and

execute this instrument as my / our power of attorney for a refinance and that I / We sign it willingly, or willingly directanother to sign for me / us, that I / We execute it as my / our free and voluntary act for the purposes expressed in the power ofattorney and that I / We am eighteen years of age or older, of sound mind and under no constraint or undue influence.


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PRINCIPAL PRINCIPAL

ACKNOWLEDGMENT

State of ____________________________County of ___________________________

Subscribed, sworn to and/or acknowledged before me by , the principal this day of and proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the

within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that byhis/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed theinstrument.

Evidence of identification was . I certify under PENALTY OF PERJURY under the laws of thestate where the property is located that the foregoing paragraph is true and correct

WITNESS my hand and official seal.

________________________________________NOTARY

COMMISSION EXPIRES___________________