West Orange Fourth Round HEFSP_adopted 111025_Appendices

Witnessed By: GRANTOR: se Woe J M. Z2@ckid, Co-Executor of the Estafe of Dena H. Zackin Mey Apbutlfe, £36. STATE OF NEW JERSEY, COUNTY OF ESSEX 1CERTIFY that on June _|9 _, 2008, Jack M. Zackin, Co-Executor, came before me and stated to my 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 (c) made this Deed for $437,000.00 as the full and actual cdasi n paid or to be paid for the transfer of title. (Such consideration is defined in S.A. Tdia Atom OS (Print name and title below signature INDIA A. FOGG SROTARY PURLC OF EW JEDSEY ‘Cometeelon Expires 12/31/2008 #1311069 v1 108192-62286

DEED RICHARD S. ZACKIN AND JACK M. ZACKIN , Co-Executors of the Estate of Dena H. Zackin Grantor, TO 2, CPNJ WEST ORANGE RESIDENGE Record and return to: entury/InterCounty Title Agency 8 Hook Mountain Road P.O.Box 607 Pine Brook, NJ 07058 INC. x & #1311069 vL 108192-62286

GIT/REP-3 State of New Jersey (12-07) SELLER’S RESIDENCY CERTIFICATION/EXEMPTION {C.55, P.L. 2004) (Please Print or Type} SELLER(S) INFORMATION (See Instructions, Page 2) Name(s) RICHARD §. ZACKIN AND JACK M. ZACKIN, CO-EXECUTORS OF THE ESTATE OF DENA H. ZACKIN Current Resident Address: Street: 31 Longview Road / 57 Oak Avenue City, Town, Post Office Sle Te Cate 08833 / 07052 Lebanon / West Orange NJ PROPERTY INFORMATION (Brief Property Description) Block(s) Lot(s} Qualifier 161 27 Street Address. 23 Oak Avenue Gity, Town, Post Office ‘State Zip Code West Orange NJ 07052 Seller's Percentage of Ownership Considerati Closing Date 100% $437,0 Lig lB D 1am a resident taxpayer (individual, estate, or tryst) 21 ate of New Jersey pursuant to N.J.S.A. 54A:1-1 et seq. and will file @ resident gross income tax return *~ pplicable taxes on any gain or income from the disposition of this property. 2. The reat property being sold or transferred oe ‘usively as my principal residence within the meaning of section 121 U.S.C. s. 121 of the federal Internal! Revenue Code of lam a mortgagor conveying the mgrtgat pféperty to a mortgagee in foreclosure or in a transfer in lieu of foreclosure with no additional consideration, Seller, transferor or transferee | of New Jersey, the Federal Nationa National Mortgage Associ: xy of authority of the United States of America, an agency or authority of the State gage Association, the Federal Home Loan Mortgage Corporation, the Goverment , oF a private mortgage insurance company. Seller is not an indivi NJSAS4A1-1 trust and as such not required to make an estimated payment pursuant to e property is $1,000 or less and as such, the seller is not required to make an estimated PSA. 54A:5-1-1 ef seq. The gain from th le will not be recognized for Federal income tax purposes under |.R.C. Section 721, 1034, 1033 or is a cemetery plot, (CIRCLE THE APPLICABLE SECTION), If such section does not ultimately apply to this transaction, the seller acknowledges the obligation to file a New Jersey income tax return for the year of the sale (see instructions), No non-like kind property received. oo ooo onog 8. Transfer by an executor or administrator of a decedent to a devisee or heir to effect distribution of the decedent's estate in accordance with the provisions of the decedent's will or the intestate laws of this state. ER(S)

or administrator of a decedent to a devisee or heir to effect distribution of the decedent's estate in accordance with the provisions of the decedent's will or the intestate laws of this state. ER(S) DECLARATION ‘The undersigned understands that this declaration and its contents may be disclosed or pro’ false statement contained herein could be punished by fine, imprisonment, or both. | furl to the best of my&nowiedge and belle, itis true, correct and compiesg. LfLlel GF d to the Naw Jersey Division of Taxation and that any re dectay at | have examined this declaration and, Date Richard S. Zackin, @o-Executor of the Estate of Signature Dena H. Zackin se indi 'f Power of Attomey or Attorney in Fact G l lo l ot = a Date Jack M, Zackin, Co-Exe ory the Bstate off Signature Dena H. Zackin Sailer} Ph licate f Powar of Allorney or Attorney in Fact

RECORDING INFORMATION SHEET ESSEX COUNTY REGISTER’S OFFICE HALL OF RECORDS , ROOM 130) 465 MARTIN LUTHER KING Jr. Blvd) NEWARK NJ 07102 INSTRUMENT NUMBER; DOCUMENT TYPE ; 10066446 MORTGAGE . Return Address (for recorded documents) Official Use Only ACRES LAND TITLE AGENCY, INC P.O. BOX 769 PHILIP THIGPEN, REGISTER 55 ESSEX STREET ESSEX COUNTY, NJ MILLBURN NJ 07041 INSTRUMENT NUMBER 10066446, RECORDED ON September 10,2010 01:02 pm BOOK:12271 PAGE:1497 No. Of Pages (excluding Summary Sheet) 25 RG Recording Fee (excluding Transfer Tax) $280.00 Realty Transfer Tax $0.00 Amount Charged co $280.00 MAIL COPY NO COPY ENVELOPE ADDIVTONAL STAMPINGS Municipality * lock 166.15 Lot 5 Parcel Informati wf i JEWISH SERVICE FOR THE DEVELOP NEW JERSEY HOUS & MTG FIN AGCY First Pa ey Name Additional Information (Officiat Use Only) oro reno res DO NOT REMOVE THIS PAGE} bb robe COVER SHEET (DOCUMENT SUMMARY FORM) IS PART OF ESSEX COUNTY FILING RECORD odeiniaaiisitenetion RETAIN THIS PAGE FOR FUTURE REFERENCE, **# #48 80000000808

‘ding, Paralegal Housing and Mortgage West Orange Supportive Housing 55 Essex St. Mitburn, NJ 07041 HMFA #241 'F #230, DDHP #23 Case No. RVP7H FINANCING, DEED RESTRICTION AND R AGREEMENT Between NEW JERSEY HOUSING AND monrgnge FINANCE AGENCY eo) JEWISH SERVICE FO! EVELOPMENTALLY DISABLEDREN 'ROWEST, INC. Prepared by: ©) Special Needs Housing Trust Fund Second Mortgage Loan Construction and Permanent Financing Deput “Attorney General

THIS FINANCING, DEED RESTRICTION AND REGULATORY AGREEMENT (this "Agreement"), made and entered into as of this 25h 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" or "Borrower"), a non-profit corporation organized and existing pursuant to the laws of the State of New Jersey and duly authorized to transact business in the State of New Jersey. WITNESSETH In consideration of the mutual covenants and undertaking: 2. herein, and other good and valuable consideration, the receipt and sufficiency of which hereby are acknowledged, the Agency and the Owner hereby agree as follows: Section 1. Definitions and Interpretation. lowing terms shall have the respective meanings set forth below: "Act" means the New Jersey Ho Mortgage Finance Agency Law of 1983, as amended from time to time, P-L. x N.J.S.A. 55:14K-1 et seq., and the Tegulations promulgated thereunder. "Agency Financing” Su Mortgage Loan and Third Mortgage Loan. "Agency Regulation eafis the regulations promulgated by the Agency pursuant to the Act and any policies, pragedures or guidelines issued by the Agency with respect to the housing zy under the Act, all of the foregoing as they may be amended from "Archi tract" means the agreement between the Owner and Sincox Associates Architects dated 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 Interna! 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 2

by the Agency: "Construction Period” means the period of time 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 execution of this Agreement, if applicable. "Day" or "Days, " whether or not the word is a capitalized term, shall mean calendar day or day(s) unless otherwise specified. "DDD" means the New Jersey Department of Human Services, Division of Developmental Disabilities, or its successors and assigns, if applicable. "DMHS" means the New Jersey Department of Human Servi isi6n of Mental Health Services, or its successors or assigns, if applicable. oO "Environmental Laws" shal! mean and include afly federal, State, or local statute, law, ordinance, code, rule, regulation, order, or decree regulatirig, relating to, or imposing liability or standards of conduct concerning any hazardous, toxié,or dangerous waste, substance, element, compound, mixture or material, as now or at any ereafter in effect including, without limitation, the Federal Comprehensive Environmen se, Compensation and Liability Act of 1980 as amended, 42 U.S.C. Sections 9601 et seq., deral Hazardous Materials Transportation Act, as amended 42 U.S.C. Sections 1801 et se deral Resource Conservation and Recovery Act as amended, 42 U.S.C. Sections 6901 ét seq” Superfund Amendments and Reauthorization Act, 42 U.S.C. Sections 9601 et seq., the Peahoxs Substances Control Act, 15 U.S.C. Sections 2601 et seq., the Federal Hazardous Motil ansportation Act, 49 U.S.C. Sections 1801 et seq., the Federal Clean Air Act, 42 U.S.C. Hom 7401 et seq., the Federal Water Pollution Control Act, 33 U.S.C. Sections 1251 et seq, fide ane Harbors Act of 1899, 33 U.S.C. Sections 401 et seq., the Residential Lead-Based Paint Hagard Reduction Act of 1992, 42 U.S.C, Section 4852d, the New Jersey Environmental Cleanu sibility Act, as amended, N.J.S.A. 13:1K-6 et seq., the New Jersey Industrial Site Receyery Act, N.J.S.A. 13:1K-6 et seq., the Spill Compensation and Control Act, as amended, N.J.S.A -40-23.11 et seq., the New Jersey Tank Registration Act, N.J.S.A. 58:10A-21 et seq., the oes Water Pollution Control Act, as amended, N.J.S.A. 58:10A-1 et seq., and all rules ané:regelations adopted and publications promulgated thereto, or any other so- called "Super: uperlien" laws, or any other federal, State or

l Act, as amended, N.J.S.A. 58:10A-1 et seq., and all rules ané:regelations adopted and publications promulgated thereto, or any other so- called "Super: uperlien" laws, or any other federal, State or local environmental law, ordinance, code, or regulation, order or decree as any of the foregoing have been, or are hereafter amended. "Environmental Report" means the Phase I Environmental Site Assessment prepared by Salem Environmental LLC dated August 11, 2009. "Event of Default" means any of the events set forth in Section 31 of this Agreement. “Hazardous Materials" shall mean and include those elements, 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 ("NJDEP”), or that 3

are defined as hazardous, toxic, pollutant, infectious, flammable or radioactive by any of the Environmental Laws, and, whether or not included in such lists, shall be deemed to include all products or substances containing petroleum, asbestos, lead, and polychlorinated biphenyls. “HUD" means the United States Department of Housing and Urban Development. "Improvements" means the building together with all fixtures and utility improvements, easements and rights of way that are owned by the Owner and located on the Land. "IRS Regulations" means the regulations promulgated or proposed by the United States Department of the Treasury or the Internal Revenue Service pursuant t Code, and to the extent applicable, pursuant to the Internal Revenue Code of 1954, as both amended from time to time, including all rules, rulings, policies, and official statem ued by the United States Department of the Treasury or the Internal Revenue Service. Q "Land" means the real property described in Ex}ibit is located. "Loan Documents" means and includes thi ‘eement, the Mortgage Note, the Mortgage and Security Agreement, the UCC-1 Financing Sti it, and Assignment of Leases. hed hereto, on which the Project * "Loan" means the Mortgage Lo: d Mortgage Loan. + “Low Income” means a eros jousehold income equal to 50% or less of the median gross annual household income for the size within the relevant housing region. "Mortgage" or rtgage" means the mortgage of even date herewith that constitutes a second lien ofa feegimple interest in the Project and Land, given by the Owner to the Agency to secure the Mo: e Joan. "Mortgage Ldn pr "Second Mortgage Loan" means the loan made to the Owner by the Agency to finance Goyjon of the cost of the development and/or rehabilitation of the Project that will be located eal property described in Exhibit A attached hereto, as evidenced by the Mortgage cured by the Mortgage. "Mortgage Note" or "Note" or "Second Mortgage Note” means the interest bearing non- recourse promissory note that contains the promise of the Owner to pay the sum of money stated therein at the times stated therein and that evidences the obligation of the Owner to repay the Mortgage Loan. "Permitted Encumbrances" means any (i) Utility, access and other easements and rights of way, restrictions and exceptions that do not, individually or in the aggregate, materially impair