West Orange Township_Fourth Round HEFSP_Final Draft

‘The street address of the Property is: 23 Oak Avenue, West Orange, New Jersey 07052 Promises by Grantor. The Grantor promises that the Grantor has done no act to encumber the property. This promise is called a “covenant as to grantor’s acts” (NES.A. 46:4-6). This promise means that the Grantor has aot allowed anyone else to obtain any legal nights which affect the property (such as by making a mortgage or allowing a judgment to be entered against the Grantor). Signatures, The Grantor signed this Deed as of the date at the top of the first page. Witnessed By: GRANTOR: Hea —~ By: y y Richard 8. Za 4 Co-Executor of the Mawes 1p Mito, ES my, Cork Estate of Den, STATE OF NEW JERSEY, COUNTY OF ESSEX ECERTIFY that on June 0, 2008, Richard S. Zackin, Co-Executor, came before me and stated to my satisfaction that this person (or if more than one, each person): {a) was the maker of this Deed; (b) executed this Deed as his or her own act; and (©) made this Deed for $437,000.00 as the full and actual consideration paid or to be paid for the transfer of title. (Such consideration is defined in N.J.S.A. 46:15-5). Tdi : Andi non ga FORO" pace PEER OF New SY Comeatesion Sxpace 12/51/2005 #IF1IN69 VE 108 192-62286

Witnessed By: GRANTOR: » D 5 . if, Co-Executor of the Mey. Atwell, 486, Estafe of Dena H. Zackin STATE OF NEW JERSEY, COUNTY OF ESSEX {CERTIFY thaton Hime 10, 2008, Jack M. Zackin, Co-Executor, came before me and stated to my satisfaction that this person (or if more than one, cach person): {a) was the maker of this Deed; (b) executed this Deed as his or her own act, and (ce) made this Deed for $437,000.00 as the full and actual consideration paid or to be paid for the transfer of title. (Such consideration is defined in N.J.S.A. 46:15-5). “India A.fegy 7D (Print name and ute below signature INDIA A. 2060 WOTARY SURRIC OF NEW JESSY ‘Comaniasion Expos 12/31/2008 HAS 11069 wh 408192-62286

DEED Dated: June 10, 2008 RICHARD S. ZACKIN AND JACK M, ZACKIN , Co-Executors of the Estate of Ht. i Dena H. Zackin Record and return to; Grantor, TO Century/InterCounty Tide Agency 18 Hook Mountain Road CPNJ WEST ORANGE RESIDENCE If, P.O.Box 607 INC. Pine Brook, NJ 07058 Grantee. ——————— Se #4341069 v1 108192-62286

GIT/REP-3 State of New Jersey {12-07} SELLER’S RESIDENCY CERTIFICATION/EXEMPTION (0.55, PL. 2004) {Please Print o Typel SELLER(S} INFORMATION (See Instructions, Page 2} Namef{s} RICHARD $. ZACKIN AND JACK M. ZACKIN, CO-EXECUTORS OF THE ESTATE OF DENA H. ZACKIN Currant Resident Address. ~ Street: 21 Longview Road / §7 Oak Avenue City, Town Post Office State Zip Coce Lebanon / West Orange NJ 08833 / 07052 PROPERTY INFORMATION (Brief Property Description} Biockjs) Lot(s} ‘Qualifler 164 27 Street Address: 23 Oak Avenue City, Town, Post Office _ — _ ” Sate Zip Code West Orange . NJ 07052 Seller's Percentage of Qwnersh.p Consideration Closing Date 100% $437,000.00 110108 SELLER ASSURANCES (Check the Appropriate Sox) (Boxes 2 through 8 apply to NON-residents} 1, BR] | ama resident taxpayer lindlvidval, estate, or (rust) of ha State of New Jersey pursuant to N.J.S.A, S4A:1-1 el seq. and a on omg oa will file 2 resident gross income lax return and pay ary applicable taxes On any gain or income from the disposition of this property. jm] The tea! property being sold or transferred is used extiiisively as my ptincipat residence within Ine meaning of section 421 of he federai intemal Revenue Cade of 1966.26 US C s. 124 Tam a morigager conveying the srorgaged: property toa mortgagee In foreclosure o- in a transfer in lew of foreclosure wilh no additonal consideration, ‘ Selle, (ransferar of transferee is an agency of authority of the United States of America, an agency or authority of (ne State ol New Jersey, the Federal Natori Mortgage Association, the Federal Home Loan Mortgage Corgoration, the Geverrrnent Natonal Morigage Associaton, or a p* vate morigage insurance company. Setier ‘s not an individuar, ‘slate O° trust ané as such not required lo make an estimated payment pursuant to NS A.54A:1-1 gt seq. The total consideration for the proverty is $1.000 9° ‘ess and as such, tie seller 1s NO! required lo make an estimated oaymenl pursdant toN. S.A 54A5-1-1 et seq. Tne gain for tne Sale wil rot be recognized for Federai income tax purposes under LR.C. Section 721, 1034, 1033 ors a cemetery piol, (CIRCLE THE APPLICABLE SECTION). If such section does not ullimately apply to this transaction, the seller acknow edges the obiigation to file a New Jersey income tax retum for (he year of the sale (see instructions}, No non-like Kind propery

ction does not ullimately apply to this transaction, the seller acknow edges the obiigation to file a New Jersey income tax retum for (he year of the sale (see instructions}, No non-like Kind propery received. Transfer by an executor or administrater of a decedent to a devisee or neir to effect distribution af the decedent's estate in accordance wilh the provisions of the decedent's whi or Ihe intestate laws of this state SELULER(S) DECLARATION The undersigned unzerslands thal th’s dectaration and ils contents may be dischased of pro} falso statemen! contained herer col fo the best of myknowlegge anc tel: LLlele & sey Diviston of Taxation and thst any 0 w at Ehave axamined (ris dectaration and, 5¢ punishad by Fine imprisonment, o° beth. : furl s we, corrett and complay _¢ ltolo% = Dena x. Zackir Terr age Power of Altorney of Miziey 7 Fact Date Richad S Zackin, Co-Executor of ihe Estate of J, Sigreture Date Jack MY. Zackin, Co-Exediyon the Balate oS Signature Oena H. Zackin ener) PIR ale. Powgr 0) Allomey o« Ane Tey FEN

RECORDING INFORMATION SHEET ESSEX COUNTY REGISTER'S OFFICE HALL. OF RECORDS , ROOM 136) 465 MARTIN LUTHER KING Jr. Blvd) NEWARK NJ 07102) INSTRUMENT NUMBER: DOCKMENT TYPE 10066446 MORTGAGE sal Ui . Return Address (for recorded documents} Officiat Cse Onl saueseany ACRES LAND TITLE AGENCY, INC P.O. BOX 769 PHILIP THIGPEN. REGISTER 553 ESSEX STREET ESSEX COUNTY. NI MILLBURN NJ 07041 INSTRUMENT NUMBER IWiesa6 RECORDED ON September [47.2019 01,02 pm BOOK 12275 PAGE No. Of Pages fexcleding Summary Sheer) 25 RG Recording Fee (excluding Transfer Tax) 3280.00 Realty Transfer Tax $0.00 Amount Charged (Charge) $280.00 Municipality WEST GRANGE Parcel Information | Block 166.15 MAIL COPY oy + Tpot 3 NO COPY ~ — ENVELOPE First Party Name JEWISH SERVICE FOR THE DEVELOP Second Party Name | NEW JERSEY HOUS & MTG FIN AGCY Additional Information (Official Use Only} ADDIE FONAL STAMPENGS s PRERT AAA ETHER RRERRRERE ERE DO NOT REMOVE THIS PAGE ROCCHI IO EERE IIR Ie COVER SHEET (DOCUMENT SUMMARY FORM) [8 PART OF ESSEX COUNTY FILING RECORD Widdoriioekititaxtam RETAIN THIS PAGE FOR FUTURE REFERENCE, 282 *48¢ 2 9 230003 414%

Record & Retum to: ding, Paralegal New Jersey Housing and Mortgage West Orange Supportive Housing hed st. HMFA #2468, SNHTF #230, DDHP #23 FINANCING, DEED RESTRICTION AND REGULATORY AGREEMENT Between NEW JERSEY HOUSING AND MORTGAGE FINANCE AGENCY And JEWISH SERVICE FOR THE DEVELOPMENTALLY DISABLED OF METROWEST, INC. Prepared by: Special Needs Housing Trust Fund Second Mortgage Loan Construction and Permanent Financing Deputy Attorney General

FHIS FINANCING, DEED RESTRICTION AND REGULATORY AGREEMENT (this "Agreement”), made and entered into as of this 25" day of August, 2010, by and between the NEW JERSEY HOUSING AND MORTGAGE FINANCE AGENCY (the "Agency" or “Lender"}, a body politic and corporate and an instrumentality exercising public and essential governmental functions of the State of New Jersey (the “State") and JEWISH SERVICE FOR THE DEVELOPMENTALLY DISABLED OF METROWEST, INC. ("Owner" oF “Borrower")}, a non-profit corporation organized and existing pursuant to the laws of the State af New Jersey and duly authorized to transact business in the State of New Jersey. WITNESSETH Jn consideration of the mutual covenants and undertakings set forth herein, and other good and valuable consideration, the receipt and sufficiency of which hereby are acknowledged, the Agency and ihe Owner hereby agree as follows: Section 1. Definitions and Interpretation. The following terns shall have the respective meanings set forth below: "Act" means the New Jersey Housing and Mortgage Finance Agency Law of 1983, as amended fram time to time, PL. 1983. ¢. 530, N.LS.A. 55:14K-1 et seg.. and the regulations promulgated thereunder. cM \ “Agency Financing” mneans the Second Mortgage Loan and Third Mortgage Loan. “Agency Regulations. means the regulations promulgated by the Agency pursuant to the Act and any policies, procedures or guidelines issued by the Agency with respect to the housing projects financed by the Agency under the Act, all of the foregoing as they may be amended from time to time, if applicable. © ar “Architect’s. Contract" means the agreement between the Owner and Sincox Associates Architects dated May 1, 2010, or any other agreement executed by the Owner and approved by the Agency, for the design and construction oversight of the Project in accordance with the plans and specifications for the Project approved by the Agency, if applicable. " Assignment of Leases” means the Assignment of Leases by and between the Owner and Lender of even date herewith. “Code” means the Internal Revenue Code of 1986, as amended. “Construction Contract" means the agreement between the Owner and Bruno’s Home Improvements or any other agreement executed by the Owner and approved by the Agency, for the construction of the Project in accordance with the plans and specifications for the Project approved >

by the Agency. "Construction Period” means the period of ime as required to substantially complete the construction of the Project. The Project Construction Period is estimated to be three (3) months from the date of exccution of this Agreement. if applicabic. “Day” or "Days, " whether or not the ward is a capitalized term, shall mean calendar day or dav{s) unless otherwise specified. "DDD" means the New Jersey Department of Human Services, Division of Developmental Disabilities, or its successors and assigns, if applicable. “DMIIS” means the New Jersey Department of Human Services. Division of Mental Health Services. or its succeysors or assigns, if applicable. “Environmental Laws" shalt mean and include any federal, State, or local statute, law, ordinance, code, rule, regulation, order, or decree regulating, relating to, or imposing liability or standards of conduct concerning any hazardous. toxic, or dangerous waste, substance, clement, compound, mixture or material, as now or al any time hereafter in ctfect meluding, without limitation, the Federal Comprehensive Environmental Response, Compensation and Liability Act of 1980 as amended, 42 U.S.C. Sections 9601 et seq., the Federal Hazardous Materials Transportation Act, as amended 42 U.S.C. Sections 180i ct seq., the Federal Resource Conservation and Recovery Act as amended, 42 U.S.C. Sections 6961 et seq., the Superfund Amendments and Reauthorization Act, 42 U.S.C. Sections 960! et seq., the Federal Toxic Substances Control Act, 15 U.S.C. Sections 2601 ct seq.. the Federal Hazardous Material Transportation Act. 49 U.S.C. Sections 1801 et seq., the Federal Clean Air Act. 42 U.S.C. Sections 7401 et seq., the Federal Water Pollution Control Act, 33 U.S.C. Sections 1251 et seq., the Rivers and Harbors Actof 1899, 33 U.S.C. Sections 401 et seq, the Residential Lead-Based Paint tlazard Reduction Act of 1992. 42 U.S.C. Section 4852d, the New Jersey Environmental Cleanup Responsibility Act, as amended, N.J-S.A. 13:1K-6 et seq., the New Jerscy Industrial Site Recovery Act, N.J.S.A. 13:1K-6 ct seq., the Spill Compensation and Control Act, as amended, N.J.S,A. 58:10-23.11 et seq., the New Jerscy Tank Registration Act, N.J.S.A. 58:10A-2i et seq., the New Jersey Water Pollution Control Act, as amended, N.J.S.A. 58:10A-1 et seq., and ali rules and regulations adopted and publications promulgated thereto, or any

n Act, N.J.S.A. 58:10A-2i et seq., the New Jersey Water Pollution Control Act, as amended, N.J.S.A. 58:10A-1 et seq., and ali rules and regulations adopted and publications promulgated thereto, or any other so- called "Superfund" or *Superlien" laws, or any other federal, State or local environmental law, ordinance, code, rite, or regulation, order or decree as any of the foregomg have been, or are hereafter amended. “Environmental Report™ means the Phase [ Environmental Site Assessment prepared by Salem Environmental LLC dated August 11, 2009. “Event of Default” means any of the cvents set forth in Section 31 of this Agrecment. “Hazardous Materials" shal! mean and include those clements, materials, compounds, mixtures or substances that are contained in any list of hazardous substances adopted by the United States Environmental Protection Agency (the "EPA”) or any list of toxic pollutants designated by Congress, the EPA, or the New Jersey Department of Environmental Protection ("NJIDEP"), or that 3