*eeeeeeeen**T HIS PAGE IS PART OF THE INSTRUMENT *******#**** Any provision herein which restricts the Sale, Rental or use of the described REAL PROPERTY because of color or race is invalid and unenforceable under federal law.

In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument):

Borrower understands that the modified monthly mortgage payment is subject to change if there is an increase or decrease in property taxes, insurance, or any other permissible escrow items.

Acknowledgments trom other siates may be couipleted jor documents heute sent to that state so long us tee warding does iret require the Californie noters ta violate Cauliforma notary faw > .

the State and Canty where inturmauien must be Stale and County the document signer(s) personally appeured before ure notary public for acknowledgment Date ef notarization must be the date thal the signerfs) personally appeuied which must also be the same date the acknowledgment ts completed * ~The notary publig must print his ar her name as 1 appeuts within his or her commission followed by a comma and then your utle (notary public) Print the name(s) of document signer(s} who personally appear at the lume of notarization Indicate the correet singular or plural forms by crossing olf incorrect forms (1 he/shethey, is/aee) or circling the correct forms Failure to correctly indicate (his tnformatron may lead te rejection of ducument recording The notary seal impression must be clear and photographically reproducible Impression must uot cover (ext or lines [f seal impression smudges, re-seal i'a suificient area pernuts otherwise cumplete a different acknowledgment form Signature uf the notary public must match the signature on file with the office of the county elerk > Additional mlormation ts nol required bul could belp to ensure ths .

-against- Constantine Kefalogiannis; Maryellen Kefalogiannis; The Secretary of Housing and Urban Development and "JOHN DOE l" through "JOHN DOE 12", said names being fictitious, parties intended being possible tenants or occupants of premises, or corporations, other entities or persons who claim, or may claim, a lien against the premises Defendants.

AND, NOTICE IS FURTHER GIVEN that the Mortgaged premises affected by the said foreclosure action, were at the time of the commencement of this action and at the time of the filing of this Notice situated in the County of NASSAU and State of New York, designated as: 148 Willowood Drive, Wantagh, NY 11793 Section: 51, Block: 347,Lot:6 4874-1124-3505, v. 1

TOGETHER with all right, title and interest of the defendants in and to the land lying in the streets and roads in front of, and adjoining to, said premises.

piece or parcel bf land, together wlth the buildings and improvements thereon erected, situate, lying end being at Levlttown, Town of Hempstead, County of Nassau, State of New York, known and designated on a certiain map enUtled, lSection 29 of SuMivision Map of Prcperty knorrn as Levitlown, owned by Levit & sons, lnc., localed at Levittown, Tonn of Hempstead, Nassau county, Ny, February 1951, srlnrey and map by c. A. Monroe, P.E. and L. s. g3s7'and liledin 0re offce of the clerk of the county of Nassau on March 30, i951, Map No. s196, as and by Lot Number 6 in Block 347 being bounded and described asfollots: BEGINNING at a point on the westerly side of Willolrrood Orive where the same is intersec'ted by the division line between Lols 5 and 6 on said btock on sald map, sald point also being dislant 199.11 feet southerly as measured along the uresterly slde of Willowood Drive from the omer formed by the intersection of he westerly slde of Willowood Drive and the southerly side of Weaving Lane; RUNNING THENCE from sald point of bgginnlng along the westerly side of Wllowood Drive, South 5 degrees 44 minutes 38 seoonds WesL 60 feet to the division line between Lots 7 and 6 on sald map; THENCE westerly along the division line betrreen Lots 7 and 6 on sald block, Nortr 84 degrees 15 minutes 22 seconds West, 15OTeet to land now or brmerly of the Comty of Nassau; THENGE northerly along land now or formerly of the County of Nassau, Norh S degrees 44 minutes 38 seconds East, 60 feet to the division line between LoE 5 and 6; THENCE easterly along the divislon llne between Lots 5 and 6 on said btock, South 84 degrees 15 mlnutes 22 seconds West, 150 het to the westerly side of Willowood Ddve, to the point or plae of BEGINNING.

-against- Constantine Kefalogiannis; Maryellen Kefalogiannis; The Secretary of Housing and Urban Development and "JOHN DOE l" through "JOHN DOE 12", said names being fictitious, parties intended being possible tenants or occupants of premises, or corporations, other entities or persons who claim, or may claim, a lien against the premises Plaintiff, Defendants

If | make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes.

“Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.

That Security instrument describes how and under what conditions | may be required to make immedi- ate payment in full of all amounts | owe under this Note.

NEW YORK FIXED RATE NOTE - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT — Form 3233 1/01 Modified for FHA 9/15 (rev.

NEW YORK FIXED RATE NOTE - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT = Form 3233 1/01 Modified for FHA 9/15 (rev.