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ISpn« Above Tbis Lllle For Recording Oalnj
WORDS USED OFTEN N THIS DOCUMENT
(A) "Security Instrumen "This document, which is dated
together with all Riders to lis document will be called the "
(D) "Borrower,"
Lot 115
Unit:
•
MORTGAGE MIN 1000466-0000883514-3
whoseaddressis 342 W nchester Ave. Staten Island. NY 10312
Block: 5268
August 24. 2007
sometimes will be called" orrower" and sometimes simply "I" or "me."
(e) "MERS" i.~Mortgag Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nomin for Lender and Lender's successors and assigns. MERS is organized and
existing under the laws 0 Delaware, and has an address and telephone number of P.O. Box 2026, Flint,
MI 48501.2026, leI. (88 ) 679-MERS. FOR PURPOSES OF RECORDING THIS MORTGAGE,
MERS IS THE MORTG GEE OF RECORD,
(D) "I,ender."
will be called
Delaware
Section:
corporation or association which exists under the laws of
. Lender's address is
NEW YORK. Single Family. F nnie Mae/Freddie Mil

• •
("~) "No/e." The note si ned by Borrow.er and dated August 24. 2007 ,will be called
the "Note." The Note sho 'S thaI I owe Lender Thirty Three Thousand Eight l-lundred
Seventeen Dollar ard 73/100
Dollars (U.S. $ 33,817.73 )
plus interest and other a lount~ that may be' payable. I have promised to pay this debt in Periodic Payments
and to pay the debt in ful by September I, 2047
(F) "Property," TIle pr perty thai is described below .in the section tilled "Description of the Property,"
will be called the "Prope y."
(G) "),oan," The "Loilll' means the debt evidenced by the Note, plus interest, any prepayment charges and
late charges due under ~!.Note, and all sums due under this Security Instrument, plus interest.
(Ill) "SUnts Secured," T e amounts described below UI the section titled "Borrower's Transfer to Lender of
Rights in the Property" s metunes will be called the "Sums Secured."
(I) "Riders." All Rider attached to this Sec.urity Instrument that are signed by Borrower will be called
"Riders." The following iders are to be signed by Borrower {check box as applicable):
o Adjustable Rate Ri r 0 Condomulium Rider 0 Second Home Rider
o Balloon Rider 0 Planned Unit Development Rider 0 1-4 family Rider
o VA Rider C] Biweekly Payment Rider IX] Other(s) [specify)
LEGAL DESCRIPTION
(J) "Applicable Law." II controllulg applicable federal, state and local statutes, regulations, ordinances
and administrative rule and orders (that have the effect of law) as well as all applicable fmal,
non.appe.alabJe, judicial 0 inions will be called "Applicable Law."
(K) "Community' Asso iation Dues, Fees, and Assessments." 'All dues, fees, assessments and other
charges that are impos d on Borruwer or the Property by a condomulium association, homeowners
association or similar org nization will be called "Community Association Dues, Fees, and Assessments."
(L) "Electronic Funds ransfer." "Electronic funds Transfer" means any transfer of money, other than
by check, draft, or simi! r paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, 0 magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account So e cOllunon examples of an Electronic Funds Transfer are point-of-sale transfers
(where a card such as a assel or debil card is used at a merchant), automated. teller machine (or AIM)
transactions, transfers inil ted by telephone, wire transfers, and automated clearinghouse transfers.
(M) "Escrow Items." T se items that are described in Section 3 will be called "Escrow Items."
(N) "Miscellaneous Pro eeds." "Miscellaneous Proceeds" means any compensation, settlement, award of
damages, or proceeds pai by any third party (other than Insurance Proceeds, as defined in, and paid under
Ihe coverage described j Section 5) for: (i) damage to, or destruction of~ the Property; (ii) Condemnation
or other taking of all or ny part of the Property; (iii) conveyance in lieu of Condemnation or sale to avoid
Condemnation; or (iv) isrepresentations of, or omissions as to, the value and/or condition of the
Property. A taking of e Property by any govenunental authority by emUlent domain is known as
"CondenUlation." .
(0) "Mortgage In sura ce." "Mortgage Insurance" means insurance protecting Lender against the
nonpayment of, or default on, the Loan.
(P) "Periodic J!>ayment.' 11le regularly scheduled amount due for (i) principal and interest under the Note,
and (ii) any amounts un,d $cctioll 3 wit! be called "Periodic Payment."
(Q) "RESPA." "RESPA means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et
seq.) and its implement g regulation, Regulation X (24 C.F.R. Part 3500), as tIley might be amended
from time to time, or a additional or successor legislation or regulation that governs the same subject
matter. As used Ul this ecurity Instrument, "RESPA" refers 10 at! requirements and reHtrictions that are
itnposed in regard to a" derally related mortgage loan" even if the Loan does not qualify as a "federally
related mortgage loan" un er RESP A.
00883514
.'GAINYllo50B).O'
Page20f 11
Ini,i.', I~ fitll--
;; Form 3033 1/01

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BORROWER'S TRANS ER TO LENDER OF RIGHTS IN THE PROPERTY
I mortgage, grant convey the Property to MERS (solely as nominee for Lender and Lender's
successors in intere.st) and its successors in interest subject 10 the terms of this Security Instrument. This
means that, by signing th s Security Instrument, I am giving Lender those rights that are stated in this
Security Instrument and al 0 those rights that Applicable Law gives to lenders who hold mortgages on real
property. I anl giving Len er these rights to protect Lender from possible loss'es that might result if I fail
10:
(A) Pay all the amoUllts th t lowe Lender as stated in the Note including, but not linJiled to, all renewals,
extensions and modifieatio s of the Note;
(B) Pay, with interest, an amounts that Lender spends under this Security Instrument 10 protect the value
of the Property and Lender rights in the Property; and
(C) Keep all of my other pr mises aud agreements under this Security Instrument and the Note.
r understand and agr that MERS holds only legal title to the rights .granted by me in this Security
Instrument, but, jf necess to comply with law or custom, MERS (a. nominee for Lender and Lender's
successors and assigns) has he right:
(A) to exercise any or aU f those rights, including, but not linJited to, the right 10 foreclose and sell the
Property; and
(B) to take any action re uired of Lender including, but not JinJit.ed to, releasing and cimceling this
Security Instrument.
DESCRIPTION OF THE
I give MERS (solely
described ill (A) through (
(A) The Property which is I
Staten Island
This Property is in Ri ehm nd
description:
SEE ATTACHED LEGAL DESCRIPTION
ROPERTY
. nominee for Lender and Lender's successors in interest) rights in the Property
below:
caledat 342 Winchester Ave
[Street]
[Cily, Townor Village],New York 10312 {ZipCode].
County. il has the following legal
(B) AU buildings' and othe improvements that are loc-aled on the Property described in subsection (A) of
this section; .
(C) All rights in other pro erty that I have as owner of the Property described in subsection (A) of this
section. These rights are kn wn as "easements and appurtenances attached to the Property;"
(D) All rights thaI I have' tIle land which lies in the streets or roads in front of, or next to, the Property
described in subsection (A) ,f this section;
00883514

COll1l.tumuntioJlh of Seilledlllle 11 11
Title No: RT-244092 .
AlLlL THAT CIER AHNPLOT, PIECE OR PARCEL OF LAND, situate, lying and being in the
Borough of Staten Island, C unty of Richmond, City and State of New York, known and designated as Lots
NO.8, 9 and 10 on a map e titled "Heights Section, Great Kills Beach, situated at Great Kills" surveyed by
H.S. Thompson and attache to L. 254 cp 195 in the Richmond County Clerk's Office which said lots are
bounded and described as fa lows:
BEGINNING at a point in the westerly side of Winchester Avenue distant 200 feet southerly from
the corner fonned by the in rsection of the westerly side of Winchester Avenue with the southerly side of
Sycamore Street; .
Avenue;
RUNNING THE CE south 53 degrees 02 minutes 39 seconds west 73.34 feet to a point;
THENCE south 3 degrees 56 minutes 16 seconds east 70.04 feet to a point;
THENCE north 5 degrees 02 minutes 39 seconds east 75.80 feet to the westerly side of Winchester
THENCE along t e westerly side of Winchester Avenue north 36 degrees 57 minutes 21 seconds
west 70 feet to the point or lace of BEGINNING.
:..-.'

~--------------------------------_._----- -------
MIN:.
WORDS USED OFTEN IN Tl IS DOCUMENT
(A) "Agreement." This document, which is dated
this document will be called the 'Agreement."
(B) "Borrower."
(C) "Lender." Equity
will be called "Lender" and SOH
Jersey 08053
(Space Above This Line For Recording Data]
CO SOLIDATION, EXTENSION, AND
ODIFICATION AGREEMENT
ne Mortgage Company
(Page I o/9pages)
August 24, 2007
, and exhibits and riders attached to
will be called "Borrower" and somelimes "I" or "me." Borrower's address is
342 Winchester Avenue, 5t ten Island, NY 10312
times "Note Holder." Lender is a corporation or associalion w.hich exists under the laws of
. Lender's address is
(D) "Mortgages." The mortgages, deeds of trust, or other security instruments and any additional security
instruments and related agree! ents (such as assignments, extensions, modifications, or cOllsolidiltious of mortgilges)
identified in Exhibit A to this A rccment will be called the "Mortgages."
(E) "MERS" is Mortga e Electronic Registration Systems, Inc_ MERS is a separate corporation that is acting solely
as a nominee for Lender and Lc der's successors and assigns. MERS is organized and existing under the laws of Delaware,
and has an address and tclephon number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. FOR PURPOSES
OF RECORDING THIS AGR EMRNT, MERS IS THE MORTGAGEE OJ.

(H) "PrOllerty." Ibe p .perty which is described in the Morlgage(s) and in Exhibit B (Property Description) to this
Agreement, will be called the "P operty:' The Property is located at:
Staten Island
ICityl
I promise and I agree wit Lender as follows:
III. AGREEMENT TO C NGE TERMS OF THE CONSOLIDATED NOTE
Lender and I agree that he terms of the Notes are changed and restated to be the tenns of the "Consolidated Note"
which is attached to this Agrecllent as Exhibit C. The Consolidated Note contains the terms of payment for the amounts that
1owe to Note Holder. I agree t pay the amounts due under the Notcs in accordance with the tem1S of the Consolidated Note.
The Consolidated Note will sup rsede all terms, covenants, and provisions of the Notes.
V. NOSET-OFF,DEFEN ES
I agree that I have no rig 1t of set-off or count.erclaim, or any defense to the obligations of the Consolidated Note or the
Consolidated Mortgage.
342 Winchester Avenue
(Street]
Richmond
(Coonlyl
(Page 2 of 9l'ages)
New York 10312
(State and Zip CodeJ
I. BORROWER'S AGRE MENT ABOUT OBLIGATION UNDER THE NOTES AND MORTGAGES
I agree to take over all of the obligations under the Notes and Mortgages as consolidated and modified by this
Agreement as Bonower. This L1 eans that I will keep all of the promises and agreements made in the Notes and Mortgages
even if some other person made those promises and agreements before me. The total unpaid principal balance of the Notes is
U.S. $390,500.00 of this amount, U.s. $33,817.73 was advanced to me (or for my
account) immediately prior to ths consolidation.
U. AGREEMENT TO CO BINE NOTES AND MORTGAGES
(A) By signing this Agl ement, Lender and I are combining into one set of rights and obligations all of the promises
and agreements stated in the N es and Mortgages including any earlier agreements which combined, modified, or extended
rights and obligations under ill of the Notcs and Mortgages. This means that all of Lender's rights in the Property are
combined so that under the law ender has one mortgage and I have one loan obligation which I will pay as provided in this
Agreement. This combining of otes and mortgages is known as a "Consolidation."
(B) In the event that xhibil A indicates that all of the Notes and Mortgages have already been combined by a
previous agreement, then Lend rand r agree to change the terms of Section II, paragraph (A) of this Agreement to the
following:
IV. AGREEMENT TO CI ANGE TERMS OF THE CONSOLIDATED MORTGAGE
Lender and I agree that the tenus of the Mortgages are changed and restated to be the terms of the "Consolidated
Mortgage" which is attached to this Agreement as Exhibit D. The Consolidated Mortgage secmes the Consolidated Note and
will constitute in law a single Ii II upon the Property. I agree to be bound by the terms set forth in the Consolidated Mortgage
which will supersede all terms, .ovenants, and provisions of the Mortgages.
NEW YORK CONSOLIDATION, E 'n:NSION, AND MODIFICATION AGREEMENT-Single F~llIi1y-
Fannie Mae!Fre(tdle Mac UNIFORI\o INSTRUMENT
ITEM 7'331.2 (0401)-MERS
Lender and I agre that all of the promises and agreemeJits stated in the Notes and Mortgages--including
any earl. r agreements which combined, modified, or extended rights and obligations
under any of the N tes and Mortgages--have been combined into one set of rigHts and obligations
by an earlier agrec lent wbidl is referred to in Exhibit A.This means that all of the Lender's rights
ill the Property hay already been combined so that under the Jaw Lender already has one mortgage
and I have one loa 1 obligation which I will pay as provided in this Agreement. The combining of
notes and mortgag is known as a "Consolidation." .
Form 31721/01 (rev. 5101)
GAEA Tl.ANO •
ro Or~ef Cal., .800.530-93930 Fa>.:516.791-1131

VI. BORROWER'S INTE EST IN THE PROPERTY
1 promise that I am the awful owner occupying the Property and that I have the right to consolidate, modify, lmd
extend the Notes and Mortgage .
VD. WRITTEN TERMINA ION OR CHANGE OF THIS AGREEMENT
This Agreement may n t be terminated, changed, or amended except by a written agreement signed by the party
whose rights or obligations are eing changed by that agreement.
VIII. OBLIGATIONS OF B RROWERS AND OF PERSONS TAKING OVER BORROWER'S OR LENDER'S
RIGHTS OR OBLlGA IONS
If more than one person igns this Agreement as Borrower, each of us is fully and personally obligated to keep all of
Borrower's promises and obli ations contained in this Agreement. The Note Holder Ulay enforce its rights under this
Agreement against each of us in ividually or against all of us together.
The temlS of the Consol dated Note and the Consolidated Mortgage may not allow any person to take over my rights
or obligations under this Agree lcnt. Lender and I agree that if any person is permitted to take over my rights and obligations
under this Agreement, that pers n will have all of my rights and will be obligated to keep all of my promist'.sand agreements
made in this Agreement. Simil ly, any person who takes over Lender's rights or obligations under this Agreement will have
all of Lenucr' s rights and will b obligated to keep all of Lender's agreements made in this ,\greement.
IX. LIEN LAW
Iwill receive all amoLlII lent to me by Lender subject to the trust fund provisions of Section 13 of the New York Lien
Law. This means that I will: (A hold all amounts which Ireceive and which I have a right to receive from Lender under the
Consolidated Note as a "trust md;" and (B) use those amounts to pay for "cost of improvement" (as defined in the New
York Lien Law) before I use th m for any other purpose. The fact that I am holding those amounts as a "trust fund" means
that for any building or other illprovement located on the Property Ihave a special responsibility under the law to use thc
amount ill the manner described in this Section IX.
x. TYPE OF PRO PERT
Check box(es) as appliC' Ie.
D This Agreement covers r al propet;typrincipally improved, or to be improved, by one or more structures containing, in
the aggregate, not more an six.(6) residential dwelling units with each dwelling unit having its own separate cooking
facilities.
This Agreement covers r al property improved, or to be improved, by a one (1) or two (2) frunily dwelling.
This Agreement does 110 cover real property improved as described above.
NEW YORK CONSOLIDATION, E TENSION, AND MODIFICATION AGREEMENT-Single Family-.
Fannie Mae/Freddie Mac UNIFORM INSTRUl\1ENT
HEM 7133L3 (G401)-MERS
(f'".~e 3 of 9pages)
Form :H72 JlOI (rev. 5101)
GAEATLAND ••
fo Order C.all: 1.800.530-9393 0 fax. 616.791-1131

STATE OF
COUNTY OF
(s=Al)
l$paC&IIw7lllsIJllol?or~tl _
On the 24th day of August in the year2lJO~7before me the
undersigJ1ed, a nolary po • in and fot' s:aid State, person.aJ)y appeared William 5eidenfa.den and
eri te Seidenfa n petSOnally known to me or Proveell0 I7Ieon the ba$i$ of
satisfacto!y evidence to tfle indhridUlll($1 Whose n3m$S are sutJ!scribed to tJIe Within instnJment and
acl

MERS,
By:
STATE OF
COUNTY OF
• Lend and I agree to all of the above.
ominee for
.Lender
.BorrowcT
-Borrower
(Spa"" Below This Line PrAd:lIowledgmentJ _
On the 24th ayof August in the year2@Onbdore me the
undersigned, a notary pub.ic I and for said State, personally appeared ••••••••••• ,
. .. personalfy known to me or proved to me on the basis of
satisfactory evidence to be th individual(s) whose names are subscribed to the within instrlJt'llent and
acknowledged to me that the executed the same in their capacities and that by their signatures on the
~nstrument, the individuals, 0 the person on behalf of Which the individuals acted, executed the
Instrument.
Notary Public
My Commission Expires:
(SEAl)
STATE OF
COUNTYOIF
NEW YORK (:ONSOLIDATION,
Fanm"M:l~M:ae 'UNIFORM
(Spa~Below ThisLlneF?l' Ac:kDowI~tJ _
Onthe 24th d yof August intheyear~OO!l7beforemethe
undersigned, a notary public i and for said State, personally appeared Ross K. Hetlinger, AVP
satisfactory evidence to be th
.
individual(s)
t personally known to me or proved to me on the basis of
whose 'names are subscribed to the within instrument and
acknowledged to me that they xecuted the sam~ in their capacities and that by th~ir signatures on the
instrument, the individuals, or the person on behalf of which the individuals acted, executed tbe
il]stni,lllent. / j. ,1." "t
.. -, "}' I ,., l t."/ I
'll 'J J, .J. /f ., . (. l / i I'
f/\.;jf-IU~L'J l,/'C:t{, i:..-L.
Notary Public
My Commission Expires:
(SEAl)
SION, AND MODIFlCA nON AGREEMENT-Si~le tamity-
UI\1ENT
F~nn 3172 1101 {rev. 5/01)
G'AEATlAND iI
To~rt:lp:,~s;ro.931l3 0 1'oX:616-7~.11:11

tt.
(1) This Mortgage given by
EXHlBIT A
(List of Mortgages, Notes, and Agreements)
and dated August 24, 007 in favor of Mortgage Electronic Registration Systems,Inc. (MERS), solely as nominee
fur Lender and Lender's I';ucce,ors and assigns, securing the original principal amount of U.S. $ 33,817,73
This Mortgage [is oft a Fanni MaelFre&lie Mac Security lilStrument and will be recorded together with this Agreement)
K*)6X~Ij(~XXXX){)( , in the County of Richmond
State of New York, at to be r corded simeltaneously herewith. .]
[Strike and complete as app opriate.] At this date, the unpaid principal balance secured by this Mortgage is U.S.
$33,817 .73 . [Strike if not applicahle.] This Mortgage secures a Note dated
August24.2007X~~~~~~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~
XXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX~~~~~~XXXXXXXXXXXXXXXXXXXXXXxX
~~~~~XXXXXXXXX XXXXXXX»~KXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
X~XXXXXXXXXXXXXXXXX XXXXXXXX~~X~XK~~~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX}((Strike and complete as appropriate.]
(2) This Mortgage given by iIIiam Seidenfaden and Marguerite Seidenfaden
and dated July 25. 2005 in favor of MERS, as nominee for Somerset Investors Corp.
securing the original principal mount of U.S, $ 364,000.00 dba Somerset Mortgage Bankers
This Mortgage was recorded 0 September 30, 2005 , in the County
of Richmond ,State of New York, at Document Number 75753
. 1\[ this date, the unpaid principal balance secured by this
Mortgage is U.S. $ 356,682.2 . [Strike if not applicable.] This Mortgage secures a Note dated
July 25, 2005 xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx~
xxxxxxxxxxxxxxxxxx XXXXXXXXXXXXXX~~~~~X~~~~~~XXXXXXXXXXXXXXXXXXXXxXX
~X~~~M~XXXXXXXX XXXXXXXXXXXXX~KXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~
ooxxxxxxxxxxxxxxxxx XXXXXXXXXXXXX~~~~~~XXXXXXXXXXXXXXXXXxX~
XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXxxx[Strike and complete as appropriate.}.
~X~~"~~~X XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
~~KXXXXXXXXXXX XXXXXXXXXXXXX~~~K~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~
~~~~~K~~ ~~~~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
~WX~XX~~X~~K XXXXXXXXXXXXXXXXXXX~KXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~
~M~XXXXXXXX XXXXXXXXX~~~X«~X~~XKXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~
XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXX:' ~XblI)()4)Q)(X.X])I!~«¥iM~~XlXCCX~~koc(~~
~X«Q[XX3(XXXXXX XXXXXXXXXXXXXX}(, [Strike if not applicable.} JQUXDCD6j(~~iUiX;X~~Xlmd{
XXXXXXXXXXXXXXXXXX XXX~~~~~~~~~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX}(X
XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXX~X~~~~~KXXXXXXXXXXXXX}(XXXXXXXXX
~X~~~XXXXXXXX XXXXXXXXXXXXXX~XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
~~X}(XXXXXXXXXXXXXX XXXXXXXXXXXXX~~~~~XOOX~XXXXXXXXXXXXXXXXXXXXXXXXX}(XXXX
XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX~~«~~«~~~~
NEW YORK CONSOLIDATION, XTENSlON, AND MODIFICA nON AGREEMENT -Single. F~mily-
FannJe MaelFreddie Mac UNIFOR 'I INSTRUMENT
ITEM 1133'_6 I0401}-MERS
(Page 6 of9 pages)
Form 3HZ 1101(tev. 51'01)
GREATLAND 0
To '),der Call:1.80tl-530-939:fo fax: 616-'191-1131