EFTA00617229.pdf

at 6300t Po: s i a WHEN RECORDED. MAIL TO: Boston Private Bank and Trust Company Tee Post Office Square Boston, MASSACHUSETTS 02109 This instrument was papered by: Boston Private Bank and Trust Company Ton Post Office Square Boston, MASSACHUSETTS 02109 800-619-2946 1 1 1 11 Bk. 3901 Pre 6 9 Dom MTO Pelt: l of 11 07/11/2014 03:14 PM srSe-, Broker aodJor loan originator intimation, if applicable: (Wet Number (Seem Stove Eve Ono For Recordlt Da) • • Originator: Christopher James Wads C. Tea Post Office Square r I Bolton, MA 02109 Mortgage Loan Originator's license number is: 733455 - Ii No broker was involved in the mortgage. 0 No loan originals was involved in the nonage. I -1- 0 I' -74-- SECURITY INTEREST AND LEASEHOLD MORTGAGE _) 1 be maggot is Avner N. CtsomAy THIS MORTGAGE ('Seely beast') is &jam ca July /1,2014. / CBorrowee). ur This Scanty lottertert is given to Boston Private Rank sad Trust Company, which Borg/mired and existing and= the Laws of !slimed IMIC rts, ad whose ,.. address is Ten Post Office Square, Boston, MASSACHISETTS 02109 /0 Borrower await:4er the price Mal sees of FIVE HUNDRED THIfiTY-NROC THOUSAND AND NO/100 nests"). / ..—e) Dollars (US. 3539,000.00). This debt is evidenced by Bortowees note dated the same date as this SCalritf IIIMIDeat Motel, which provides for monthly paymmes, with i the fall debt, if not raid earlier, due and payable as August l, 20I9. This Sentry batman secures m Leader (a) the repayment of to debt evidenced by the Note, with awes, sad all ronewals, extensions and modifications of the Note; (b) the payment other sunk with klleml. ..1£ atoned ceder paragraph 7 m protect the security of this Scarily hotumath and (c) the performance of BOCIOVIC6 covenants ad aatomoim tint this Sauey Instrument and the Note For this impose, Borrower don hereby montage. pant sad coovey to Lender, with power of sale, 2.. the fdilovang described prepay bused is Middlesex Carew, MassaMasetts: See Attached Exhibit °A" tio MORTGAGE, which has the address of 984 Memorial Dina Unit 404 Cambridge, MASSACHUSETTS 02138 (*Property Addran TOGETHER WITH all the improvements now or hereafter erected on the properly, and all easements. appatenanca, and fixtures now or hereafter a part of the property. All replacement:I and additions shall also be covered by this Security Instrument All of the foregoing is referred to in this Security Instrument as the 'Property?' BORROWER COVENANTS that Borrower is law Polly seised of the mate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbreoces of recent Borate warrants and will defend generally the title to the Property against all claims and demands. abject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use ad non-uniform covenants with limited variations by jurisdiction to constitute a uniform security iostrament covering real property. UNIFORM COVENANTS. Borrower sad Lender covenant and agree as Talbot I. Payment of Principal ad Interest; Prapsymeot sad Late Charges. Borrower stag promptly goy wins due the principal of and idler a oa Sc debt evidenced by the Note and any prepayment and lam charges duc snider the Not. MASSACHUSETTS- Seple Family • ROAM RUC UNIFORM MSTRUMENT Naga de jot/ 3422 CPO Borrowatla) Mints EFTA00617229 St 13901 Po: 520 2. Fads for Taw and laser see. Sankt to appbcable law oi tO a woke wive by Lida, Borrower Mall pry to loader ea the day monthly payments we dale trader the Note, tail the Noe is paid in hags= ('Powell') for: (a) yearly taxes ad assztaxots ethics may attain priority over this Secway lateral:CO as a be Oa the Propeny; (b) yeasty leasehold payments or pound tents oe the Pawns,. if ay; (c) yearly said or propaty *sera= pantram (d) peaty &XXI Sara pethituns, if any (e) MAY MOM* Inn= adkar, if an, and (0 my Pals payable by Borrower to Leda, is asecittles with On provinces of perigraph 8, in lice of the payment of mortar buns premiums. These items we called 'Escrow Items? Leader may, at say time, eater and hold Fends M an mount not to seed the mean= amount s hake or a fedendhr mated emottgage loan may expire for Bcaowees arrow omonnt agar the fetal Reel Ear Settlement Proxdures AU of 1974 as atheeded from time to time, 12 US.C. Section 2601 a seq. ("RES PK). atlas snaky law that applies to the Fends sets • lesser amount. If so, Leak may, at any time, collect ad hold Bads in an =ow sot to exceed the lair amount. Leader may tamale the amount of Fends du ou the basis of exist data and teitozable erSates of expeditures of false Ercrow Items toe otherwise in motedance with applicable lat. The hands tall be held m a install= whose &wee am wed by a federal egeocy, insbucendity, or entity (ncludim Lade if l eda is such a incaution) cc in any Federal Home Loan Bank Lender shalt apply to Fends to pay the Escrow hews Ueda may not charge Borrows for boleti's ad applying the Inds, manually analyam the escrow account, cc verifying the Escrow bans, =leas lode pays Danywier Seat on the Fuods and applicable law permits lake to make soh a charge. Hearses Levier may require Borrower to pay a one- time charge for en ind...e....a.rt real estate tax repeats service used by lade is cantata with as lom, unas applicable law provides otherwise. Unless an agreement is mate or applicable law maims interest to be paid, Lade that not be recited to pay Borrower any interest or somas on be Brads. Barowt and Lender may agree in writing, however, that Saw Mall be paid to the Ftmds Linda shall give Berrowas, witka any charge, me animal axonal* of the Finds, shoeing credits at debts to the Funds ad the mese for which each &t it to the Binds was made. The Duds arc pads= as Waked :amity for all sum ramrod by Oa Secarity Insmoreas If the Reads held by Lender exceed the amounts permitted to to held by applicable Inv, Lemke stall account to Borrows for the excess IS& in 'condoms rah the reqtatmonts of kebab* law. If the amount of the Funds held by Lender at any time it not Silos to gay the 6iaow hems when dee, Larder may so nu* Borrower is verities, and, in ma ease Borrower tell pay to tads the amomt necessary to makeup the deficiency. Borrower Shall make up the detietcy in no more than Nave azahly payments, at Ineda's sole droorract Upon gamete in fell of al SUM =red by Sc Secarity Ltstn=ced. taxa stall Ssamptty refund to &dolt++ any Foals kid by Linder. If, wits penignpb 21, Lender shall argon or sell ma Property, I twice, pia iv ea acquisitive or Se of the Property, sail appy any Fuels held by Lada talk time of a:guinea or sale ass:edit again the vas saved by this Security buttmeal. 3. Applicant of Playmate. Unless malleable law panda otherwise, ail pa mesa seised by Lcnda cater paragraphs I ad 2 shall be applied in, to any prepayment charges doe under the Note; second, to amounts payable ceder was:rapt 2; third, to Saes due, faint!, to principal duo; and law, to any late charges due under the Note. 4. Charges; tins. Borrow = MAI pay all taxes, assessments charges, Pass and impatiens ember:Mk 12 the Froperor. wrack may anno pia* ova this Security Instnameen. and Malebo Id payments a pound rents. if any. Borrower Mall ray those oblige:towage saner prodded ie PaketaPb 2, or if not pod in that =re, Barowa shall pay then oc tang directly to the person owed payment. Borrower shall promptly fernit to Leader Al notices of rams to be paid under this yetagraph. if Borrower makes these pyrken directly, Borrower shaU promptly furnish an Lode reaps tridents the payments Borrower shall promptly discharge any hen which has pante over this Security Instrt=ent alma newest: 00 epees in ',With{ to the maul of the obligation uncured by the lien in a manna acceptable to Lander, (b) azalea in teed Oise the ben by. Or defends Sint =forcemeat of the ben is, legal proceeding wink it the Lendets opinion operate to purest the enforcement of the IS; or (c) sexes from the bolda of the lien a agreanat satisfactory *Lender sutordinatis Sc lien to this Starity fiasersoneal. lf Lender &lamina that any pat of the Repay is subject Wake, which may atria priority ova this Security Inentmek Lemke may give Borrow a notice identifying the lien. Borrower Mall satisfy the to or take one cc atom of the 0020e1 set fort above within JO (Ws of the giving of rotate. S. Hurd or Property Insists BOSOM'Sr shall keep the impalement now existing or Loafer erected on the Papaw inured 081that loss by fa, bands ittelided within the tato "caceded coverage' a= any other hazards, studs palls or Boodles, for which latter requires insurance. This insurance shall be maintained in the amounts and for the periods that Leader requires. The annate cake wake the =sok ski to chosen by Hortmt abject t f.aodefs approval which shall not be muestemilay withheld. If Borrower fails to maintain ommage &salted above, Lender may, at Lades °p ace, obtain avenge to protect lender's tight; in the Property in accordance with PerreaPh 7. All insursoce policies and meads shat be acceptable to Ender and shall lab& a standard =neap dean Lender shall have the nigh to hold the policies and mamas If Leda requires, Banoww shall promptly give to Leader all capes of paid panels and renewal notices. Is the mat of loss, Basra sal give pomp notice to the issureace cant and Leak. Leader may make proof otiose if cot made promptly by Borrower. Wed* Lead" 11011 Bona otherwise Wee in writing, Scam proceeds shah be applied to restoration or repair of the Peccary damaged, if the rostoratme or can is economically finable and Ladm's marity is not lessened, If the restoration or repair is nor "normally Sable or Leader security would be lased, the Sans proceeds shall be applied to the soma seared by Sc Sentry bertatak wads or not then duo, estb acy excess paid to Borrower. If Borrower studs the popery, or does not ants wattle 30 days a notice from tads that the arcs stria has offered to seta a claim, then lade may collect the instance proceeds. Leader may use the erect:ashore-AU or rase the Prepay or to pay nos serail by this Security Insaasea, whether or not then dne. The 30-eby pared will begin when to neat is gives. MASSACHUSETTS • Supt Partly - FNIMJFF&W.0 SNIFOZM INSTRUMENT Pep 2 of 0 see /berm 3022 So Borroweep) Inane EFTA00617230 Bk: 63801 Pp: SW Vona lender and Broom incase apace in Isaac any application of proceeds to anneal than not nod or pogrom the dee date of the moothly poymeots tethered to in par/papa I and 2 or change the awn of the payment If tinder pamprph 21, the Property is acquired by Leader, BOITOWerl risk to any karma policies and reacted; resigner from damage to the Pro erty prior to the acquisition dal past to Lender to the extera of the rams seared by this Security batament issadately poor to de amosinon. 6. Oterthenty. Pressman, litsietwantr end Protection of the Properly; Borrower's Loon Application; brerebelds. Borrower earcy, establish, and use the kopiery as Broads pitapat residace within Sixty days idler the exantion of this Secray Instanzt and shall apnea a occupy the Rtd.itY as NoPWWWW PriotaPal reside= for at lust one year adds the date of ocamency, =kip Lender otherwise arras in suing, wb,cb corm shall not be noreasoesbly withheld, a unless OPtowwW01 oloalow ems whit! are beyond Borrowers coral Bonnwa shall nixdestroy, damage ix impaC the Pxoperty, allow de Property to dm-aortic, or commit nor on the Propaty. Borrower shall be in default d soy forfeit= scrim or po=ach, wadies civil or criminal, is arm the is Lfsdlef 1003 flab ltdgmat could rank in Pattie of the Property or otherwise materially impair the lia created by this Security Inottneat or Lender's medity inoweSt. Meow may we ant a default ad team; as provided in paragraph IS, by casing the man or Proccohn8 to be dionthed with a iolint ttert, io Lades good thins determination, ;iceboats forfeiture of the Borrower's test in the Property or ode rcurttnal impairment of the lien created by this Sanroy luarmeent a Cedar's security mica. Borrower shall oho be to &Ault if Borrower, Bering the Mae appbatioe process, gait materially false er boa-mate information a summentr to Lader (or failed to provide Cada with any material informarn) io eremite with the loan evidenced by the NOW ismlnding, but not limited to, racestretatioes contenting Borrowths occupancy of the homy as a principal resiacce. If this Sectary Instrnen a on a leasehold, Borrower shall comply with all the pray:sins of the ease. If Brower amnia fee title to the Property, the kaoehobl and the fee title tall no: mare Sao Lender won to the merge in %sing. 7. Protection of Leader's Right In We Property. If Bomar fails to perform the covmants and apnea contained a that Security Insannent, or there is procceding that may significantly effort Laden right in the Property (such as a proccedog takruptcy, probate, for condnionatka or forfeiture or to enlace lam or reredanom), that Lender may do and pay for wawa is necessary to poor the value of the Property sod Lenber's rights in the Propary. Leaden actiom may include paying any ems socured by a bat, trails has peke* over this Security Instrumart, appearing in cart, paying reasonaNe artancyr fees sad caring cc the Property to make repairs Although Lander may are actoo usda tits paragraph 7, Ueda does not have to do so. My count disbursed by Imam ureter this puagrapb 7 shall bare additional debt of Brauer secured by this Security thonsmoor Unless Borrower owl Lando agree to awe =moor par:mitt theie imanoti shalt bear !Mani from the deco of disbarirroceir at the Nom rat and shall be rayak, with mares, upon notice from Leader to Borrower tecuating PaYmoot g. Mortgage Insurance. If lads ramrod mortgage instance as a condition of rr.ahorg the loan awed by this Meaty Wirrt=“1. Borrower shall pay the premiums maned to maintain the mortgage trounces in effect If, for any reason, the mortgage assurance ccderage requited by fader limn or cams to bee effect, floncenti gall pay the premium required to obtain coverage rubrantiallY 011attb10 o the mortgage ilWriirCe previouoly in aka, cocoa sartantisily equinkra to le cost to Burrowa of the mortgage intact arathosly in etTect from an antrum mortgage inner cr7ovei by Lander If substandally equivalent mortgage insurance average is not availably, Borrower shall pay to Lender each man= eq.al to orequalth of the yeasty mortgage Manta parka being paid by Borrower who the insmance coverage lapsed or cased to be in effect Lad, sal accept, we and retain these prams as a boa resent in lieu of mortgage inmate Lon mare Inimmes may no Iona be required, at the option of Lerida If =ague assarance °aerate (in the enotan and for the period that Lerdm Menses) provided by se imam apposed by Lender again becomes available and is obnixd. Bmowe, shall pay the prernisms respired to maintain mortgage man= in effect, or no provide a loss resent, natal the mquareora for mortgage illitlitXt ads in accordance with any wane agrcon cot between Brower and Leader or applicable bor. 9. Inspection. Lerida or its rtheat nay make tearable atria upon and inspection of the Property. Leader tall give Bomar arca at the time of or prim to an itoraticia specifying reasonable atilt for the inspection. 10. ComthinestIon. The proceeds of any stead or clan for damages, direct or consapential, a connection with any or deennazir oe other taking of any pat of the Property, or foe cave/ante in bet of condemnstica, at hereby assigned and gall be paid to Leader. In the event of a total taking of the Prow ry, the proceeds shall be applied to the =MS cant by this S noway latromea whether or not then dee, will taw excess paid to Berme. In the event of a portal taking of the Properly is which the fair market vat of dm Property immediately been the taking is awl to or mart then the amount of the some rooted by as Seeiny thinummt imemdimely before the takes, tants Borrower and tads antaise agree in smiting, the sans seared by this Scarily lostrazot stall be mated by the moat of the proceeds multiplied by the followsog faction: (a) the total amount of the pane salami immediately before the taking. divided by (b) the fair media vake of the Prorerty inunediately before the Pam. My balance shin a paid to Borrower. In the even of raking of the Property is which the fig market vales of Os Property samoedisiely before the Woos is low than the amount of the sums word imminlonnly before the taking, unless Borrower sad Cada otbenvise sweetmeat:Mg a unless applicable Law otherwise pin:wicks the proceeds shall be arched to the sums soma by this Scatty lestunent whether a tot the sums arc than due If the Property is abandoned by Borrower, or iL after notice by Leda to Borrow that the coodetator offers to make an award or setae a clam for damage, Borrower fads to respond to Leader within 30 day, after the date the notice is jilt,. Lender is authorized to coned ad apply the proceed at in option, either to marmite at repair of rho Properly or to the Si= salad by this Senuiry Itterument, whether et not the due. (Sloss Laths and Broom twist agree in writing, any appliatioe of meads to principal shall not extend et postpone the due date of the monthly payments retried to in paragraph 1 and 2 or change rho amount of such Nyman. MASSACHUSETTS • Single Firniy • FNMATIAIIC UNWORN INSTRUMENT Pope 3 00 thane 302/9/90 • Ecno Lea EFTA00617231 St 6390 Po: S22 11. Borrower Not Releaseth Forbear-or By Lender Not • Weber. Extersion of the time fur payment or medificetba of timOrtizatiOn of the sans mooed by this Security lastrament inured by Lerida to aoy successor s interest of Borrower shall na maw to relax the liability of the original Borrow or &nowt 'arson in inmost Cada Mg sot be required to commence proccedlogs sad= any successor is interest or refuse m extend time for payee*: or othavase modify amortization of the suns scared by this Security Instrument by reason of any dread made by the original &rimer or BOTTOWer'S SUCCennin in Lamest. Any ken:race by Lender in exercising any right or remedy shall not be a waiver of or preclude the exert of any right or remedy. IL Sermon sad Assigns Bound; Joint sad Several Liability; Co-ripen. The coverman and agnemens of this Security Lamm= shall bind and boric the mama and asngm of lender and Borrower, subjen to the provisions of paragraph 17. Bornma's coma= and 'venison shall be joint and several Any Borrower who co-signs this Security batmen but does not amine the Note: (4) is co-signing this Security Murata' poly to mortgage, grant and corny that Bremer rem in the Property =der the tams of this Semite Instrumer (b) is not proaally obligated to pay the sums second by this Scary Instrument: and (c) agnel that Lender and any other Barrows way egret to extent 03061Y, fccber a make any Arran-cedars with regard be the tams of this Scatty Easement or the Note without that Borrowers coma 13. Lem Charges. lithe out secured by this Security Imam= is abject to a law which sets .^9,irnan loan charges, and that law is &ally moaned to rho the interest or other ban climes collected or to be collard in commies with the Icon exceed the ponnited limits, thee: (a) any such lotus charge shall be rained by the moat necessary to reduce the charge to the permuted limit; and (b) my sums already corded from Borrows which exctc4oS pc-matted limits will be refunded to Brower. Lender may choose to make this refired by reducing tho pri-dp•t owed coder the Note or by making a dinat poem: to Borrow. Ira:dal:4 reduces prindpel, the reduction will be mated sea partial prepayment without any prepaymeo: charge under the Note. It Nodes. Aoy notice to Borrower provided familia Security Mormucat shell be give by dclivaicg it or by meilmg it by Mt clan mail unless appbeable law requires um of another method. The Dore shall be directed to the Property Address or my other address Brower designates by notice to Lender Aoy tore to Leader shall be given by first class mail to lender's address slated hada or my other adders Cada designates by notice to Brower. Any notice provided foe in this Stcwity LeltinnWat MU: be deemed to have been given to Borrower or Lemicr when gins m provided in this paragraph. IS. Complus Law; Sevembilly, This Sect* loam= shall be governed by federal law and the law of the jurisdiction in which the Property is lecated_ In the event that any provision or those of this Security bormant or the Nose conflicts wilt agraable law, such conflict shall mot affect other provisions of this Security Instment or the Note, which can be given drat without the conflicting provision. To this end the prorisionsoliks Security Imutent and the Note are dared to be sevaable. If. Berrowerki Copy. Bcflowtr shall be given one conformal copy of the Not end of this Secry Instranca 17. Timor of the Property or • Bandlcial Interest In Renewer. If all or toy pat of the hardy or my interest in it :s sold or transferred (or if a beneficial interest in Balmer S sold or transford and Br om is net person) %vitro Lender's prier Moen consent, Lender my, at its option, require iourartrato payment in full of all sons sated by this Security Ensaumera. However, this (Mon shall not be exercised by Lades if scare is prohibited by federal lawn of the date of this Security kstrument. If leader exercises this %nog Lender shall give Borrower mice of acceleration The coat shall provide a paled of not lea then 30 days from t►e date the notice is delivered or mailed widen which Donovan moo ply aD sums secured by this Security Instrument. If Borrower fails to pay these swan prior to the expiration of this period, Gonda may invoke any remedies permitted by this Securzy hutment without nether notice or demand on Brower. IL Borrower's Right to Reinstate. If Bermes nods certain 0011Clitnali, Borrower shall have the right to have enforcement of this Stoats* tumor droatinued as any tine prior the artier of (a) 5 days (or such other period as applicable law may specify for reinstatemcnt) before sale of the Property pursuant to any pawn of sale contused io this Security Inetnimen; or (b) envy of a judgment enforcing this Security Memo:ea Those conditions are that Renewer: (a) pays Lender ell ems which Um would be due order this Sanity Immune= and the Note as if no antra° had oared; (b) cures any default of any other covalent, a agreement; (c) pays all expenses loaned s enforcing this Security Instrument, indoding, but not timed to, reasonable astoneyi end (d) take such action as Lender may mama* ream to assure the the ben of this Security Instrument, Lender's rights in the hearty and BOSOW:I'S obligation to pay the ems scored by this Seery lostroment shall cottizeic unchanged Upon reinstatement by Brower, this Security lemma" and the Wig:tire secured hereby shall toaaain fully effective as if no scalar= bad oared. Houma, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Noisy Change of Loan Senter. The Note or a partial Scat in the Note (together with this &Denny lartrostaa) may be sold one or more Ste Witlin prior mice to Borrower. A sale may result reacts:pc in the may (towns the 'Loan Semis') then colleen monthly payments due era the NOW and this Security Instrument. Mae tho =fleece or more changes of the loan Service: unrelated to a sale of the Notelf there is a Map of the Loan Savicer, Borrower will be given written police of the change in mordancy wit paragraph 14 above and applicable law. The notice will state the mare and address of the new Loan Servitor and the address to which payments should be made. The mice will also CMS any other information required by applicable law. Id. Ilszardom Substances. Brewer shall not ease a permit the presence, use, dispose], storage, or totem of any throdous Substances en or ha the Property. Borrower shall rot do, nor allow anyone else to do, anything affectieg the Property that is in violation of any antinenItatel law. The pteceding two sentences *all cot apply to the prence, use, or raeite on the Property of mall quanta of Hazardous Sultanas that re geccrally recognized to be appropriate to nomad residential toes and to maintenance of the Property. MASSACHUSETTS - Style Canty FlatilAff MSC UNIFORM INSTRUMENT Paps 4 ore ms ec Form 1022 WOO Borroworls) Kean EFTA00617232 Be: LIPP. Pg: 57:3 Borrower gag promptly give Cader anion 'once of any investigation claim, dcmaod, lawsuit a ether Athos by asp goverment" a regulatory agency a private party involving the Property ad any finarnons Substance or Emigre:saga Law of whit Borrower has actual bowl:die. If Borrower lama, a is norifixl by any government' or regulatory authority, that ny removal a other rematation of any Hazardous flutaanee drernall the Pt0Palr is necessary, Borrower shat promptly take all necasary remedial acme in anoordexce Wit Eirtillg=g0al Law. As used in this pmagrapb 20, • Harald06.1 SttbittItCCe arc those abate-tar defaxd as toxic a bazntus abstracts by Environmental law and the folowiag submasca: g1130LiOC, kaosee, other flammable peak= prcdocu, toxic pesticides and berbicides, settle solvents, materials containing ealasstos or fnm”ileohyde, ad redzictive material. As used in this puegrapb 20, 'Environmental Law' mew federal Ian ad laws of thepuisdiction wine the Property is located that relate to health, safety or anon/rata prelatic°. NON-UNIFORM COVENANTS. Bvrowa add broke farther covenant and acre as Sallow: 21, Actekratlem Ramada. Lender gall give node, to Borrower prior to arcekratleo follow lag Borrower's breach of any covenant or agreement in this Security latnmcnt (bat ant prior to acceleration under paragraph 17 tilos applkabk law provide. otherwise). The notice shall specify: (a) the default; (b) the action required to can the default; (e) a date, sot Ins than 70 days from the date the notice II 'rt. to Borrower, by Wog the default must be cared; and (d) that failure to ewe the default on or before the des specified in the entice may mull ia acceleration of the sums secured by this Security lartruanent sad sate of the Property. The notice shall farther Inform Borrower of the right to rel waste after acceleration and the right to bring a court sc don to were the nos- existence of a default or any other defense of Borrower to meek-retie° and sale. If the default is Not cared on or before the date specified in the notice, Linder, at Is *phonon), recholre laammliete payeeeat in hull of «II seine scented by this Seen ky lasts MD al without further demand end may invoke the STATUTORY POWER OF SALE and any other remedies permitted by applicable law. Lender shall be entitled to collect all aspens Warred In pursuing the remedies provided in this perWuph 21, Including, but cot limited to, reasonable attorneys' k and coats of title cricking. If loader invokes tie STATUTORY POWER OF SALE, loader shall mace copy of a notice of sale to Borrower, end to ether persons prescribed by upplicabk kw, to die manner provided by applicsbk law. Leader shall publish the notice of nth and the property shall be sold in the meaner prescribed by applicable taw. Lender or itsdesignee may pus base the Property et soy sale. The proceeds of the sale shall be applied in the following order: (a) to m,0 triremes of the sale, beluding hot not limited to, reasonable attorneys' feet; (h) to all intim motored by Oil. Sic 'wily lintrisairegi sea (On) egos to tin perm. err penoo. legally fudged to it. 22. Bakst.. Upon payment of all seas sawed by this Sant thane rot, Lender tall relent egg Sealy Stamm to Barowa. Bonower shall pay any recordation cost In may charge ROTTPACI a foe for relating Olt Security testament, bat only if the fee is paid to a third arty for services rendered and the charging of tbe fee is annined under applimble law. 23. Webers. Borrower waives all right, of boccestesd exemption in the Ropey and relinquishes all rights of curtsey aod dower in the Rwyc eY. 24. Riders to this Semidry Inenuitet, If one a mote riders as exacted by Borrower and acceded together wit this Security Instrument, the COVCIllgt3 add agreanam of each such it shall be ittomorated into and gall amend and staptemen the onStAl019 and agrisernat of Ibis Security latuncot as itch: rider(s) we a pat of this Security lasinecat. (Cluck pplicabla box(tu)) Adjustable Rate Rider Balloon Rider K 1-4 Family Rider 0 Mortgage insurance Rider K Condomiaium Rider K Planed Ihtit Development Rider 0 Biweekly Payment Rider 0 Graduated Payment Rider El Second Home Rider 8 VA Rider Rate Improvement Rider © Other (Specie') - Cooperative Rider -Leasehold Rider MASSACHUSETTS - Sn9le FSrlUy - FNMACHL Mt UNIFORM INSTRUMENT Pea 6 of 0 Clue BedrnagsThillkla driC EFTA00617233 M: 63901 92: 521 BY SIGNING BELOW, Benoist: accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. • .,cam„ 41 . Avnm N. Cboaniky (Sal) Zonowcr COMMONWEALTH OF MASSACHUSETTS, Sa %Sla t s. -le\N On this -1-1— day of (Sal) -Borrower County as: heron me the undersigned notary public. personally apppored Ayres N. cllsonstky, proved to me through satisfactory evidence of identification, which was/were met chAvrts T /Da le• to bo the person® whose mat) is/art signed on the preceding document, and admowledged to me that heIshelthey signed it voluntarily for its stated purpose. P (Sal) oo\ 2cM Signature of Notary is (Printed or Typed) Loan originator (organization): Boston Print* Bank and Trust Company; NMLS 0:690868 Loan originator (individual): Christopher James Wade; NMLS 733455 MASSACHUSETTS • SINN Forney • FNMA/FR-MC UNIFORM INSTRUMENT Passe de 06. etc Fa: fn 3022 9,50 EFTA00617234 IP: Mr Po: $25 LEASEHOLD RIDER THIS LEASEHOLD RIDER is made this 11th day of July, 2014, and is incorporated into and shall be cleaned to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date and given by the undersigned (the "Bonevter") to stave Borrower's Note to Boston Private Bank and Trust Company (tbe "Lendal of the same date and covering the Property described in the Security Insinunent (the "Property"), which is located at: 934 Manorial Drive, Unit 404 Cambridge, MASSACHUSETTS 02133 ("Property Address") In addition to the covenants and agreements made in the Security lastiument, Borrower and Lender Esther covenant and agree that the Security Instrument is amended by adding the following at the end of Section 9: Borrower Steil not surrender the leasehold estate and interests herein conveyed a terminate or anal the ground lease. Borrower shall not, without the express written consent of the Lender, Stator amend the pound least BY SIGNING BELOW, Borrower accepts sod agrees to the terms and provisions contained in this Leasehold Rider. ,aocare, Amin N. Cliotissky 6/ 147/44 {Seal) (Sean -Bo rower -Borrower MULTISTATE LEASEHOLD RIDER - Single Family 7101 Ca is EFTA00617235 BY.: 63001 Pg: 526 COOPERATIVE RIDER COOPERATIVE RIDER is made mil lth day entity, 2014. and is incorporated into and shall be deemed to amend and supplement the Mortgage, Dad of Trust. Security Deed, Security Interest and Leasehold Mortgage (the "Security Instrument") of the same dare, given by the undersigned ("Borrower") to secure Borrower's Fixed Rate Nose (the `Note') to Boston Private Bank and Trust Company ("Leader') of the same date and covering the Property described in the Security lastrumean and located at: 984 Memerlal Dray*, Unit 404 Cambridge, MASSACHUSETTS 12138 ("Property Address") COOPERATIVE COVENANTS. In addition to the covenants and agreements made in the Security Instrument. Borrower and Lender thriller covenant and agree as follows: A. Assesintana. Borrower shall promptly pay, when due, all rents assessments imposed by the Board of Directors of the Cooperative and shall perform all of BorroweA obligations pursuant to the provisions of the Cooperative Doc meets. B. Hazard IDanna. So long as the Cooperative maintains a "master or 'blanket' policy on the Property which provides insurance coverage against fire, hazards included within the term "extended coverage" and such other hazards as Lender may require, and in such amoral and or such periods as Leader may require, dim: (i) Lauder Watts the provision in Uniform Covalent 2 for the monthly payments to Leader of one- twelfth of the premium installments for hazard insurance on the Propaty: (ii) Borrower's obligation under Uniform Covenant 5 to maintain hazard insurance coverage on the Property is deemed satisfied: (iii) The provisions in Uniform Covenant 5 regarding application of hazard Insurance proceeds shall be superseded by any provisions of the Cooperative Documents or of applicable law to the extent necessary to avoid a conflict between such provisions and the provisions of Uniform Covenant 5. For any period of time during which such hazard insurance coverage is not maintained, the immediately preceding sentence shall be deemed to have no force or effect. Boston shall give Leader prompt notice of any lapse in such hazard insurance coverage: and (iv) if the Cooperative maintains some insurance coverage but not enough to salisPy Lender, then Borrower shall maintain supplemental insurance in amounts as lender may require and such supplemental insurance must comply with Uniform Covenants 2 and 5. In the event of a distribution of hazard insurance proceeds in lien of restoration or repair followiag a loss to the Property. whether to the Apartment or to common aliments, any snob proceeds payable to Borrower are hereby assigned and shall be paid to Lot for application to the sums secured by the Security Internal, with the excess, if any, paid to Borrower. MACOOP RICER 17/97 a ire EFTA00617236 439011g: 521 C. Lender's Prior Consent. Borrower shall not, except after notice to Leader and with lenda's prior written consent, partition or subdivide the Apartment or the Property. amend or terminate Borrower's leasehold interest in the Apartment or the Properly, or vote in favor of or consent to: (i) The abandonment or termination of the Cooperative. except for abandonment or termination provided by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) Any material amendment to the Cooperative Documents, including, but not limited to, any amendment which would change the proportionate interests of the stockholder-lessees in the Cooperative; or (iii) The effectuation of any decision by the Cooperative to terminate professional management and a a s-ame self-management of the Property. D. Remedies, if Borrower breaches Borrower's covenants and agreements hereunder. including the covenant to pay what due cooperative rents and liSSCISMCMS Leader may invoke any remedies provided under the Security lest:roma, including. but not limited to, those provided under Non-Uniform Covenant 21. E. Stock Lender shall have a security interest in sod is entitled to hold any certificate for capital stock of the Cooperative (or equivalent iostraments) which constitute part of or are appurtenant to the Property. Borrower shall promptly deliver to lender any additional, web:Mute or replacement certificates for stock pledged hereby. Lynda shall have no liability to Borrower with respect to such stock except for the safekeeping of-the certificates. To permit leader to deal with such stock, Borrower irrevocably appoints lenda or any officer of Larder as Borrower's true and lawful attorney to endorse and tramfer such certificates for stock; this appointment is coupled with any intact Borrower agrees that upon any sale or transfer of the Note; Lender may deliver the stock to the transferee who shall thereupon become vested with all rights and powers given to Lender with respect to such stock, and Lender as transferor shall be released from all responsibility for such stock. P. Uniform Commercial Code. To the extent that the Property or any partite of the Property is personal property, the Security instrument shall constitute a security agreement Borrower's conveyance of the Property shall constitute the patios of a security interest, and Leader shall have all rights and remedies of a secured party under the Uniform Commercial Code as it may be in effect from time to time in the Commonwealth of Massachusetts. If Lender gives notice in the manner permitted by law with respect to real property, such notice shall be sufficient. reasonable notice with respect to all elements of the Property, whether or net such elements are separately identified. G. Capitalized Terms Any capitalized term used herein and not otherwise defined herein shall have the meaning given to such term in the Security Instrument or in that certain Pledge and Assignment between Borrower and Leadadated of even date herewith. IN WITNESS WHEREOF. Borrower has executed this Cooperative Rider under seal as of the date first written above.  CeMalawaat C4" 1 2 (Seal) Aware N. Chemsky IMItCS (Seal) -Borrower (Sun Online Only) MA COOP /C0E R 12/97 IPA Pc EFTA00617237 naiad Pg: sr Leasehold interest In Apartment No. 404 and Store room No. 4404 in the building known as and numbered 984 Memorial Drive, Cambridge, Middlesex County, Massachusetts, which building Is situated on the following described parcels of land: Parcel A Beginning at a point, said point being an iron pipe found at the intencdon of the easterly edeline of Gerry Street and the southerly sideline of Ross Sheet; thence S 60.11-44 E Ninety one and 17/100 (97.17) feet; thence 548-31-14 W Fifty seven end 78/100 (57.78) feet, to wangle boo whb ptmeh hole Pound, last two courses by land of the President end Fellows of Mewled College; tb-nme 54842.12 NV One hundred twenty five and 25/100 (125.25) feet to the northerly sideline of ;Memorial Drive, by land of the Society of Saint John the Evangelist and mated by a stone bound with a drill hole; thence • Northwesterly Along the nixduttly sideline of Memorial Delve by a neve to the left of a radios of one thousand nine hundred forty nine and 95/100 (1949.95) feet, a distance of one hundred sixty nine and 167100 (169.16) feet, to a drill hole in a concrete sidevialc thence N 41.45-18 W Fifty two and 25/100 (52.25) feet, along the northedy aide of Manorial Delveg thence ' • N 31-19-45 E Teeny fin end 80/100 (25,80) het, to the outsi. iliac of a seven story budding; thence N 41-34-35 W Zero end 14/100 (0.k4) feet; thence N 4845-25 E Zero and 75/100 (0.75) beg thence N 41-34-35 N9 Zero and 55/100 (035) feet; thence N 42-52-18 B Che and 78/100 (1.78) feet thence N 29-31-17E Zero and 32/100 (0.32) feet; last five cowl es en along the outride face of said building; thence N 29-31-17 E Thirty Eve and (woo (35.04) feet through a party wall between no buildings; to the outside fan of said building thence 60.11.44E Six m400/100 (6.00) feat, along said outside Ace; thence EFTA00617238 Oa sort Po: 520 N 29.31-17 BThirty two and 45/100 (32.45) feet, to the southerly sideline of Ross Stet, :est , nine courses by land of Nine Hundred Eighty Seven Memorial PTIVC Trust Thence S 60-11.44E One blMdzed sixty nine end 50/100 (169.50) abet, along the southerly sideline of Rosa Stoat to the point of beginning and containing 32,486 square feet. Parcel B Beginning at a point, said point being S 60-11-44 B forty two and 00/100 (42.00) feet tom the imessecnon of the southerly sideline of Chapman Place and the easterly sideline of Brew Street the S 6041-44 E Twisty five and 75/100 (25.75) feet along the southerly sideline of Chapman Place; thence 829-54-16 V/ Fifty one end 34/100 (51.34) feet thence S 60-11-44 B Sixty seven and 75/100 (6735) feet; to The westcly sideline of Gerry Street, the hat two amain by land of Margaret F. Schirmer; thence • S 29-54-07 W Thirty six and 36/100 (36.36) feet, along the westerly sideline of Gerry Street thence Southwesterly By a curve to the right of a radius of fifteen =400/100 (15.00) feet, a distance of twenty three and 54/100 (2354) feet thence N 6041.44 V/ One ht.mdred five and 50/100 (10530) feet, eking the northerly sideline of Ross Sheet thence Westerly By a curve to the dght of a radius of fifts4en and 00/100 (15.00) fbet, a distance of twenty three and 59/100 (23.59) feet theme N 29-.54-1613T/day one end 64/100 (31.64) foot; along the easterly sideline of Brew= Street thence S 60.11-44 B Forty two and 00/100 (4200) feet; thence N 29-54-16 B Fifty-sht and 00/100 (56.00) fbet, to the point of beginning, last two courses by land of Barbara R. Kapp. Said parcel contains 7,985 square feet of land, mote or lees. Said moots of land am also shown on a plan of land entitled Plan of Land in Cambridge, MA dated Aptil.17, 1986 by Nonvood taginuring Co., Inc. recorded with said Deeds as Plan No. 502 of 1986 in Book 16928, Page 275. EFTA00617239