UUHLIUAI h UUHY Prepared For Account Nul’nbe[ CIos(ng · PDF fileCard XXXX-XXXXX2-41019 ... now have more financial flexibility. But you MUST PAY IN FULL any charqes over the revoivinq

UUHLIUAI h_ UUHY

Prepared For Account Nul’nbe[ CIos(ng O~e

RAYMOND MIRRA XXXX-XXXXX2-41001’ 04/10/05CANCER INNQVATIONS

Page 3 of 6

Carrier: Class:AA VlAA QMDate of Departure: 04/07

No of Nights1

Due in Full Activity for RAYMOND MIRRA~mo..t~

card XYOOX-XXXXX2-41001

03/28/05 TEXACO 0304794 FORTLAUDERDALE FL 5.50

1600 FUELSFUEL/MISCELLANEOUSROC No. 9401963

04/07/05 AMERICAN AIRLINES NEWARK NJ 410.90AMERICAN AIRLINESFrom: To:NEWARK NJ LOS ANGELES CA

NEWARK NJTicket Number: 00121932908804Passenger Name: LIEBES/LEONARE]Document Type: PASSENGER TICKET

Total of Due in Full Activity for RAYMOND MIRRA 416.40

Due in Full Activity for GIGI JORDANCard XXXX-XXXXX2-41019

03/18/05 TRUMP INTERNATIONAL NEW YORK NY 36,355.96Arrival Date Departure Date03/18/05 03/18/0500000000

03/20/05 TRUMP INTERNATIONAL NEW YORK NY 46.71

Arrival Date Departure Date No o{ Nights

03/19/05 03/20/05 1

0000000003/20/05 TRUMP INTERNATIONAL NEW YORK NY 476..62

Arrival Date Departure Date03/19/05 03/20/05

04/05/(~" TRUMP INTERNATIONAL NEW YORK NY ~.~ Arrival Date Departure Date No of Nights

~ 01/31/05 04/05/05 64

Total ~~ity for GIGI JORDAN 83,910.18

fetal I}ue in Full Activity 84,326.58

47,030.89

15466160224925139635911132000008

O0 R1 0297 2 PW 4

GIGI B JORDANPO BOX 7172-212STATELINE89449

NV

CITI CARDSP.O. BOX 182564COLUMBUS, OH43218-2564

C it i® A A,d..v.o p a. [®Account Number

5466 1602 2492 5139Customer Service: Revelvln0 Avai|ab~ RevolvihO

Credit Line Credit Line Cash Advance Limit Available Cash Limit888-766-C1T! (2484) $~oooo $4~64o S~ooo S~oooBOX 6000 statement/ Amount Over Purch/AdvTHE LAKES, NV Closlno Date Re~lvlng Credit Line Past Due Minimum Due

89~63-6000 04/20/2005 $0.00 + $0.00 + $132.00 =5a~ Date Post {)ate Reference Number Activity Since Last 5ta~t

Pay~nts, Credits & Adjust~ntsAUTOPAY O0000000003085SRAUTOPAY AUTO-PMT

3/213/223/223/223/223/223/233/133/24312S3/253/253/253/263/2841094/104/lO4/114/114/124/124/144/154/154/164/164/164/164/174/174/174/184/184/184/184/19

4/ii

31Z3

3/Z331233/233/233/~43/253/2531Zb3/Z5312631284/094/1U4/1U44114111411£4/I~

4114

411b4!164!1b

411~411t4Ill411t4/I~~11~4/I~4/I~4119

GPNM4BgP1576Z416GXFFT3SOWSZMKSSQ60KGB*PQSIDY7BIO$7WJ9851G23MT89PN5PKRHLFLLIBW3SO2HPNJRG3WXPWC66SWK1BW3SQMYWJ0216P5D*0232FG7W4S30V37JWG161G20BV30K3G2WP303087TS53NWYLRHLFMVYLRHLF905MFNJD764MRHLF5YIJgS30vSF6YT30XYCSZFMBOBSNBVSMPGOYYNHFFTLS40B"HWDS40B*GZBMRHLFY6PS6522N6PS65221CS8ZFMBTBS8ZFMBJ28HDOB*

Standard PurchMICHAEL G CHEZ MDEATKIDVILLE NYKIDV]LLE NYMOUNT SINAI - CASHIEJONATHAN B LEVINEDMTODARO BROTHERS. STOMICHAEL G CHEZ MDZEYTINIA MARKET SZEKIDVILLE NYEVANS TOWERFRANK CELENZA DOS PCKIOVILLE NYWEST SIDE KIDSLAUREATE LEARNINGSYSWHOLE FOODS MARKET/SlAGRANNY MADE SWEATERSWHOLE FOODS MARKET/SIAEOUINOX ENERGY WEAR #0DUANE READE #165ZEYTINIA MARKET SEEZEYTINIA MARKET SEEBROADWAY FARM SBRZEYTIHIA MARKET SZEWHOLE FOODS MARKETtSlAWHOLE FOODS MARKET/S1AVILEBREQUINPETIT BATEAU NY2BESAFE.COM 8667200779STARBUCKS USA 00073048STARBUCKS USA 00073048ZEYTINIA MARKET SEEUCB-O12 KIDS AOL gZO8UCB-012 KIDS A0L ~208SOLSTICE MRKTNG CPT 10SOLSTICE MRKTNG CPT 10STARBUCKS USA 00073048

LIBERTYVILLE ILNEW YORK NYNEW YORK NYNEW YORK NYNEW YORK NYNEW YORK NYNEW YORK NY

LIBERTYVILLEwILTON /~NEW YORK NYNEW YORK N~NEW YORK NNEW YORK NY\NY NY \

NEW YORKNEW YORK NYNEW YORK NYNEW YORKNEW YORKWILTONWILTONNEW YORK NYWILTON CTNEW YORK NYNEW YORK NYNY NYMILLBURN NJTEL8667200779 3LNEW YORK NYNEW YORK NYWILTON CTNEW YORK NYNEW YORK NYNEW YORK NYNEW YORK NYNEW YORK NY

Your next Autopay.automated~paymen~ of $6,359.1~will be deducted rrom your aes~qnazed bank accounton 05/10/2005.

*** CITI AADVANTAGE MILES UPDATE ’’’Regular Miles Accumulated This Month : 6,359

Earned Miles: 6,359Miles Reported to American Airlines: 6,359

Remember, with a no-preset spendinq limit younow have more financial flexibility. But youMUST PAY IN FULL any charqes over the revoivinqcredit line indicated.

New Balance

$6359.11Minimum

Amount Due$131 .oo

Amount

-8,087.72

100.0055.356.47

195.00350.00350.00

63.64150.00

67.288.31

21.0075.0095.00

114.07805.00

34.8834.7626.1184.738.625.45

23.5719.0339.7355.8418.65

494.24809.27

1,028.454.198.08

24.4842.36

115.14499.67519.22

6.52

SEND PAYMENTS TO:PLEASE REFER TO THE REVERSE SIOE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION.

15

Visit: www.citicards.com

15466160224925139635911132000008

O0 R1 0297 2 PW 4

OIGI B JORDANPO BOX 7172-212STATELINE NV

89449

CITI CARDSP.O. BOX 182564COLUMBUS, OH43218-2564

Citi° A Advantage World MasterCardA¢¢ou~tNumbef ^^dva~tage Is a reo|stered trademark of ^mer|can A|r|tges, Inc.

5466 1602 2492 5139Cus’~omer Service: Revolving Available Revolving

Credit Line Credit Line888-766-c~TI (z484)$50000 $43640

BOX 6000 Statement/ Amount OverTHE LAKES, NV Closing Date Revolving Credit Line

89163-6000 04/20/2005 $0. O0Sa~e Date Pest Date Reference Number

312131223/223/223/223/223/233/233/243/253/253/25

~,..~

4/104/1141ii4/124/124/144/1541i54/i64/1641i641104/1741i74/174/184/184/194/i84/i~

4/11

3/23

3/23

411U4/1U

4/144/154/154!414/104/10

41184/184/1~4118411~

GPNM489PIS76Z416GXFFT3SQW52MK5SQ60KGB*PQSiDYTBIO$7WJ9851G23MT89PNSPKRHLFLLIB~SO2HPNJRG3WXPWC665WKIBW3SOMYWJ0216P5D*0232FG7W4~30V37JWG16IGZOBV30K3GZWP303087TS53NWYLRHLFMVYLRHLF905MFNJD764MRHLF5YIJgS30VSFOYT30XYC5ZFMBOBSNBVSMPGOYYNHFFTLS40B~HWDS4OB*G28MRHLFY6PS6522N6PS6522ICS8ZFMBTBSSZF~BJ28HDOB*

Cash Advance Limit Available Cash Limit

$3000 $3000Purch/Adv

Past D~e Minimum Due+ $0.00 + $132.00 =

Activity Since LaSt Statement

Payments, Credits & Adjustments !AUTOPAY O00000000030855RAUTOPAY AUTI~PMT

Standard PurchMICHAEL G CHEZ MDEATKIDVILLE NYKIDVILLE NYMOUNT SINAI - CASHIEJONATHAN B LEVINE DMTODARO BROTHERS, STOMICHAEL G CHEZ MDZEYTINIA MARKET SZEKIDVILLE NYEVANS TOWERFRANK CELENZA DDS PCKIDVILLE NYWEST SIDE KIDSLAUREATE LEARNING SYS~OLE FOODSMARKET/SIAGRANNY MADESWEATERSWHOLE FOODSMARKET/SIAEQUINOX ENERGY WEAR #0DUANE READE #165ZEYTINIA MARKET SEEZEYTINIA MARKET SEEBROADWAY FARM SBRZEYTINIA MARKET SEEWHOLE FOODS MARKET/SIAWHOLE FOODS MARKET/SIAVILEBREQUINPETIT BATEAU NY2BESAFE.COM 8667200779STARBUCKS USA 00073Q48STARBUCKS USA 00073048ZEYTINIA MARKET SEEUCB-012 KIDS AOL #208UCB-OI2 KIDS AOL #208SOLSTICE MRKTNG CPT 10SOLSTICE MRKTNG CPT 10STARBUCKS USA 00073048

LIBERTYVILLNEW YORKNEW YORKNEW YORKNEW YORKNEW YORKNEW YORKLIBERTYVILWILTONNEW YORKNEW YORKNEW YORKNEW YORKNYWINOOSKINEW YORKNEW YORKNEW YORKNEW YORKNEW YORKWILTONWILTONNEW YORKWILTONNEW YORKNEW YORKNYMILLBURNTEL86672007X~NEW YORKNEW YORKWILTONNEW YORKNEW YORKNEW YORKNEW YORKNEW YORK

Your nex~ Autgpay automated payment of $6,359.11will be Deducted from your designated bank accounton 05/10/2005.

*** CITI AADVANTAGE MILES UPDATE ***Regular Miles Accumulated This Month : 6,359

Earned Miles: 6,359Miles Reported to American Airlines: 6,359

Remember, with a no-preset s~ending limit younow have more financial flexibility, But youMUST PAY IN FULL any charges over the revolvingcredit line indicated.

New Balance

$6359.11Minimum

Amount D~e$132.00

Amount

-8,087.72

i00.0055.356.47

195.00350.00350.0063.64

150.0067.288.31

21.0075.0095,00

114,07805.00

34.8834.7626.1194,73

8,625.45

23.5719.0339.7355.8418,65

494.24809.27

1,028.454.198.08

24.4842.36

115.14499.67519.22

6,52

SEND PAYMENTS TO:PLEASE REFER TO THE REVERSE $1DE OF THE ORIGt~AL STATEMEnt FOR PAYMEflT t~FORMATIOfi.

157

Visit: www.citicards.com

GIGI B JORDAN

O0 R1 0297 2 PW 4

Sale Date Post Date Reference Number Activity Since Last Statement Amount

YOUR WORLD CARD BENEFITS HAVE BEEN ENHANCEDIn addition to your current World Card benefits, younow have Price Protection, Trip Cancellation andIdentity Theft Insurance, Please see enclosedbrochure for details.

Dine Out and Earn up to 1,000 Bonus Miles!Join the AAdvantage DiningSM program & earn up to iOmiles / $i. Plus register to earn up to 1,000 bonusmiles. Membership is free! Call 1-800-479-5981. ToLearn more, call and mention code; AACI.

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Life happens. But bills like this don’t have to,Safeguard this account with Credit Protector!It g]vgs you some ~inancial breathing room whenlife-changing events interrupt your income orstress your budget. To enroll, call 1-866-842-1732.

Previous (+) Purchases (-) Payments (+) FINANCE (=) NewAccount Summary Balance & Advances & Credits CHARGE BalancePURCHASES $8,087.72 $6,359.11 $8,087.72 $0.00 $6,359.11ADVANCES $0.00 $0.00 $0.00

18"$0,00

TOTAL $8,087.72 $6,359.11 $8,087,72 .00O0 $6,359.11

Balance Subject to Periodic Nominal ANNUALRate Summary Finance Charge Rate APR PERCENTAGE RATE

PURCHASESStandard Purch $0.00 0.04312%(D) 15,740% 15,740%

ADVANCESStandard Adv $0.00 0.05682%(D) 20,740% 20.740%

SEND PAYMENTS TO:PlFASE REFER TO THE REVERS£ SIDE OF THE ORIGINAL STATEMENT FOR PAYMENT INFORMATION.

-Instrument# 200500757 Page 1

20.05 O0 757

Prepared byPATRICIA M. HAYLO

Record and Return Address:JPMorgan Chase Bank, N.A.c/o Chase Home Finance, LLCt500 N. 19th StreetMonroe, LA 71202Attn: Document Control 6th FL. - HE

Examined andM~,~/Detive,~d.

Address:

Reference 050351716000Servicing # 9897165495

[This Space Reserved for Recording Data]

VIRGINIAHOME EQUITY" LINE OF CREDIT DEED OF TRUST

(Securing Future Advances)(This is a Credit Line Deed of Trust)

THIS DEED OF TRUST RENEWS, AMENDS, REPLACES, SPREADS, AND SUPERCEDES THATCERTAIN DEED OF TRUST RECORDED ON JUNE 7, 2004 IN THE CLERK’S OFFICE OF THECOUNTY OF APPOMATTOX, VIRGINIA, IN INSTRUMENT NUMBER 200401403, WHICH DEED OFTRUST WAS IN THE AMOUNT OF $3,000,000.00 AND WHICH WAS EXECUTED IN FAVOR OFJPMORGAN CHASE BANK. SHOULD THERE BE ANY CONFLICT BETWEEN ANY OF THE TERMSOF THE ORIGINAL DEED OF TRUST AND THE TERMS OF THIS DEED OF TRUST, THE TERMS OFTHIS DEED OF TRUST SHALL CONTROL.

STATE GRANTEE TAX AND LOCAL GRANTEE TAX HAVE BEEN PAID IN RESPECT OF THEORIGINAL DEED OF TRUST AND EVIDENCE THEREOF APPEARS ON THE ORIGINAL DEED OFTRUST. PURSUANT TO THE TERMS OF THE HOME EQUITY LINE OF CREDIT AGREEMENTWHICH IS SECURED BY THIS DEED OF TRUST, THE MAXIMUM PRINCIPAL BALANCE SECUREDBY THE ORIGINAL DEED OF TRUST IS INCREASED BY $t,000,000.00. THEREFORE, PURSUANTTO VIRGINIA CODE § 58.1-803(C), STATE GRANTEE TAX IN THE AMOUNT OF $2,500.00 ANDLOCAL GRANTEE TAX IN THE AMOUNT OF $833.33 ARE PAYABLE ONLY UPON THE AMOUNTOF $1,000,000.00 AND HAVE BEEN AFFIXED HERETO.

THIS DEED OF TRUST is made on March 29, 2005, among the Grantors RAYMOND A. MIRRA,JR., GIGI JORDAN, STONE RIDGE ENTERPRISES LLC, and RAM REALTY HOLDINGS LLC, theTrustee Melinda Clayton of Chase Home Finance LLC ("Trustee"); whose address is 7611 Little RiverTurnpike, Suite 10t West, Annandale, VA 22003, and the Beneficiary, JPMorgan Chase Bank,successor in interest to JPMorgan Chase Bank, a national banking association whose address is 1tllPolaris Parkway, Columbus, OH 43240 or its successors or assignees. Any communication to theLender should be sent clo Chase Home Finance LLC, 250 West Huron Road, P.O. Box 93764,Cleveland, OH 44113. In this Deed of Trust, the terms "you," "your" and "yours" refer to the Grantors. Theterms "we," "us" and "our" refer to JPMorgan Chase Bank, N.A.

Pursuant to a Home Equity Line of Credit Agreement dated the same date as this Deed of Trust("Agreement"), you may incur maximum unpaid loan indebtedness (exclusive of interest thereon) inamounts fluctuating from time to time up to the maximum principal sum outstanding at any time of FourMillion and 001100 Dollars (U.S. $4,000,000,00). The Agreement provides for a final scheduledinstallment due and payable not later than on April t, 2035. You agree that this Deed of Trust shallcontinue to secure all sums now or hereafter advanced under the terms of the Agreement including,without limitation, such sums that are advanced by us whether or not at the time the sums are advancedthere is any principal sum outstanding under the Agreement. The parties hereto intend that this Deed ofTrust shall secure unpaid balances, and all other amounts due to us hereunder and under the Agreement.

Page I of 8

"Instrument# 200500757 Page 2

This Deed of Trust secures to us: (a) the repayment of the debt evidenced by the Agreement,with interest, and all refinancings, renewals, extensions and modifications of the Agreement; (b) thepayment of all other sums, with interest, advanced under this Deed of Trust to protect the security of thisDeed of Trust; and (c) the performance of your covenants and agreements under this Deed of Trust andthe Agreement. For this purpose and in consideration of the debt, you irrevocably grant and convey to theTrustee, in trust, with power of sale, the property located in APPOMA’I-I"OXCounty, Virginia and more fuIly described in ~, which is attached hereto and made a part hereof,which property is more commonly known asROUTE 2 BOX 63, CONCORD, VA 24538-9330

("Property Address");

TOGETHER WITH all the improvementS now or hereafter erected on the property, and alleasements, rights, appurtenances, and fixtures now or hereafter a part of the property. All replacementsand additions shall also be covered by this Deed of Trust. All of the foregoing is referred to in this Deed ofTrust as the "Property."

YOU COVENANT that you are lawfully seized of the estate hereby conveyed and have the rightto mortgage, grant and convey the Property and that the Property is unencumbered, except forencumbrances of record. You warrant and will defend generally the title to the Property against all claimsand demands, subject to any encumbrances of record.

YOU AND WE covenant and agree as follows:

1. Payment of Principal, Interest and Other Charges. You shall pay when due theprincipal of and interest owing under the Agreement and all other charges due hereunder and due underthe Agreement.

2. Application of Payments. Unless applicable law provides otherwise, all paymentsreceived by us under the Agreement and Section 1 shall be applied by us as provided in the Agreement.

3. Prior Mortgages; Charges; Liens. You shall perform all of your obligations under anymortgage, deed of trust or other secudty instruments with a lien which has priority over this Deed of Trust,including your covenants to make payments when due. You shall pay all taxes, assessments, charges,fines and impositions attributable to the Property which may attain priodty over this Deed of Trust, andleasehold payments or ground rents, if any. Upon our request, you shall promptly furnish to us all noticesof amounts to be paid under this paragraph and receipts evidencing any such payments you makedirectly. You shall promptly discharge any lien (other than a lien disclosed to us in your application or inany title report we obtained) which has priori{y over this Deed of Trust.

We specifically reserve to ourself and our successors and assigns the unilateral right to require, uponnotice, tha.t you pay to us on the day monthly payments are due an amount equal to one-twelfth (1/12) ofthe yearly taxes, and assessments (including condominium and planned unit development assessments,if any) which may attain pdodty over this Deed of Trust and ground rents on the Property, if any, plusone-twelfth (1/12) of yeady premium installments for hazard and mortgage insurance, a|! as wereasonably estimate initially and from time to time, as allowed by and in accordance with applicable taw.

VALCDT Page 2 of s


4. Hazard Insurance. You shall keep the Property insured against loss by fire, hazardsincluded within the term "extended coverage" and any other hazards, including floods or flooding, forwhich we require insurance. This insurance shall be maintained in the amounts and for the periods thatwe require. You may choose any insurer reasonably acceptable to us. Insurance policies and renewalsshall be acceptable to us and shall include a standard mortgagee clause. If we require, you shall promptlygive us all receipts of paid premiums and renewal notices. If you fail to maintain coverage as required inthis section, you authorize us to obtain such coverage as we in our sole discretion determine appropriateto protect our interest in the Property in accordance with the provisions in Section 6. You understand andagree that any coverage we purchase may cover only our interest in the Property and may not cover yourinterest in the Property or any personal property therein. You also understand and agree that the premiumfor any such insurance may be higher than the premium you would pay for such insurance. You shallpromptly nobly the insurer and us of any loss. We may make proof of toss if you do not promptly do so.

Insurance proceeds shall be applied to restore or repair the Property damaged, if restoration or repair iseconomically feasible and our security would not be lessened. Otherwise, insurance proceeds shall beapplied to sums secured by this Deed of Trust, whether or not then due, with any excess paid to you. Ifyou abandon the Property, or do not answer wffhin 30 days our notice to you that the insurer has offeredto settle a claim, then we may collect and use the proceeds to repair or restore the Property or to paysums secured by this Deed of Trust, whether or not then due. The 30-day period will begin when notice isgiven. Any application of proceeds to principal shall not require us to extend or postpone the due date ofmonthly payments or change the amount of monthly payments. If we acquire the Property at a forced salefollowing your defautt, your dght to any insurance proceeds resulting from damage to the Property pdor tothe acquisition shall pass to us to the extent of the sums secured by this Deed of Trust immediately priorto the acquisition.

You shall not permit any conditio~ to exist on the Property which would, in any way, invalidate theinsurance coverage on the Property which is required by us under this Deed of Trust.

5. Preservation, Maintenance and Protection of the Property; Borrower’s LoanApplication; Leaseholds. You shall not destroy, damage or substantially change the Property, allow theProperty to deteriorate, or commit waste. You shall be in default if any forfeiture action or proceeding,whether civil or criminal, is begun that in our good faith judgment could result in forfeiture of the Propertyor otherwise materially impair the lien created by this Deed of Trust or our security interest. You may curesuch a default, as provided in Section 17, by causing the astion or proceeding to be dismissed with aruling that, in our good faith determination, precludes forfeiture of your interest in the Property or othermaterial impairment of the lien created by this Deed of Trust or our secudty interest. You shall also be indefault if you, during the loan application process, gave materially false or inaccurate information orstatements to us (or failed to provide us with any material information) in connection with the loanevidenced by the Agreement, including, but not limited to, representations concerning your occupancy ofthe Property as a principal residence. If this Deed of Trust is on a leasehold, you shall comply with theleasa. If you acquire fee title to the Property, the leasehold and fee title shall not merge unless we agreeto the merger in writing.

6. Protection of Our Rights in the Property; Mortgage Insurance. If you fail to perform thecovenants and agreements contained in this Deed of Trust, or there is a legal proceeding that maysignificantly affect our rights in the Property (such as a proceeding in bankruptcy, probate, forcondemnation or forfeiture or to enforce laws or regulations), then we may do, and pay for, anythingreasonably required to protect the Property’s value and our rights in the Property. Our actions may include payingany sums secured by a lien which has priority over this Deed of Trust or any advance under the

VALCDT P,~, 3 ~ s

-Instrument# 200500757 Page

Agreement or this Deed of Trust, appearing in court, paying reasonable attorney’s fees, paying any sumswhich you are required to pay under this Deed of Trust and entering on the Property to make repairs. Wedo not have to take any action we are permitted to take under this paragraph. Any amounts we pay underthis paragraph shall become additional debts you owe us and shall be secured by this Deed of Trust.These amounts shall bear interest from the disbursement date at the rate established under theAgreement and shall be payable, with interest, upon our request, if we required modgage insurance as acondition of making the loan secured by this Deed of Trust, you shall pay the premiums for suchinsurance until such time as the requirement for the insurance terminates.

7. Inspection. We may enter and inspect the Property during normal business hours and uponreasonable advance notice.

8. Condemnation. The proceeds of any award for damages, direct or consequential, inconnection with any condemnation or other taking of any pad of the Property, or for conveyance in lieu ofcondemnation, are hereby assigned and shall be paid to us. If the Property is abandoned, or if, afternotice by us to you that the condemner offers to make an award or settle a claim for damages, you fail torespond to us within 30 days after the date the notice is given, we are authorized to collect and apply theproceeds, at our option, either to restoration or repair of the Property or to the sums secured by this Deedof Trust, whether or not then due. Unless we and you otherwise agree in writing, any application ofproceeds to principal shall not extend or postpone the due date of the monthly payments payable underthe Agreement and Section I or change the amount of such payments.

9. You Are Not Released; Forbearance by Us Not a Waiver. Extension of time for paymentor modification of amortization of the sums secured by this Deed of Trust granted by us to any of yoursuccessors in interest shall not operate to release your liability or the liability of your successors ininterest. We shall not be required to commence proceedings against any successor in interest, refuse toextend time for payment or otherwise modify amortization of the sums secured by this Deed of Trust byreason of any demand made by you or your successors in interest. Our forbearance in exercising anydght or remedy shall not waive or preclude the exercise of any right or remedy.

10. Successors and Assigns Bound; Joint and Several Liability; Co-signers. Thecovenants and agreements of this Deed of Trust shall bind and benefit your successors and permittedassigns. Your covenants and agreements shall be joint and several. Anyone who ce-signs this Deed ofTrust but does not execute the Agreement: (a) is co-signing this Deed of Trust only to mortgage, grantand convey such person’s interest in the Property; (b) is not personally obligated to pay the Agreement,but is obligated to pay all other sums secured by this Deed of Trust; and (c) agrees that we and anyoneelse who signs this Deed of Trust may agree to extend, modify, forbear or make any accommodationsregarding the terms of this Deed of Trust or the Agreement without such person’s consent.

11. Loan Charges, If the loan secured by this Deed of Trust is subject to a law which setsmaximum loan charges, and that law is finally interpreted so that the interest or other loan chargescollected or to be collected in connection with the laan exceed the permitted limits, then: (a) any such loancharge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) anysums already collected from you which exceed permitted limits will be refunded to you.

We may choose to make this refund by reducing the principal owed under the Agreement or by making adirect payment to you. If a refund reduces principal, the reduction wil! be treated as a partial prepaymentwithout any prepayment charge under the Agreement.

VALCDT Pa~e 4 o~e

Instrument# 200500757 Page 5

12. Notices. Unless otherwise required by law, any notice to you provided for in this Deed ofTrust shall be delivered or moiled by first class moil to the Property Address or any other eddrass youdesignote by notice to us. Unless otherwise required by law, any notice to us shall be given by first classmail to our address stated above or any other address we designate by notice to you. Any noticeprovided for in this Deed of Trust shal{ be deemed to have been given to you or us when given asprovided in th s paragraph. Copies of all notices required under this Deed of Trust shall be forwarded to :Joseph A. Troilo, Jr., Esq., 4 Hook Rd., Sharon Hil(, PA 19079.

13. Governing Law; Severabtlity. The extension of credit secured by this Deed of Trust isgoverned by federal law, which for the purposes of 12 USC ° 85 incorporates Ohio law. However, theinterpretation and enforcement of this Deed of Trust shall be governed by the taw of the jurisdiction inwhich the Property is located, except as preempted by federal law. In the event that any provision orclause of this Deed of Trust or the Agreement conflicts with applicable law, such conflict shall not affectother provisions of this Deed of Trust or the Agreement which can be given effect without the confliclingprovision. To this and the provisions of this Deed of Trust and the Agreement are declared to beseverable.

14. Transfer of the Property. If all or any part of the Property or any interest in it is sold ortransferred without our prior written consent, we may, at our option, require immediate payment in full ofall sums secured by this Deed of Trust. However, this option shall not be exercised by us if exercise isprohibite.d by federal law as of the date of this Deed of Trust.

!5. Sale of Agreement; Change of Loan Servicer. The Agreement or a partial interest in theAgreement (together with this Deed of Trust) may be sold one or more times without prior notice to you. Asale may result in a change in the entity (known as the "Loan Servicer") that collects monthly paymentsdue under the Agreement and this Deed of Trust. There also may be one or more changes of the LoanServicer unrelated to the sale of the Agreement. If there is a change of the Loan Servicer, you will begiven written notice of the change as required by applicable law. The notice will state the name andaddress of the new Loan Servicer and the address to which payments should be made. The notice willalso contain any information required by applicable law.

16, Hazardous Substances, You shall not cause or permit the presence, use. disposal,storage, or release of any Hazardous Substances on or in the Property. You shati not do, nor allowanyone else to do, anything affecting the Property that is in violation of any Environmental Law. Thepreceding two sentences shall not apply to the presence, use, or storage on the Property of HazardousSubstances in quantities that are generally recognized to be appropriate to normal residential uses and tomaintenance of the Property, You shall promptly give us written notice of any investigation, claim,demand, lawsuit or other action by any governmental or regulatory agency or private party involving theProperty and any Hazardous Substance or Environmental Law of which you have actual knowledge. Ifyou learn or are notitied by any government or regulatory authority, that any removal or other remediationof any Hazardous Substance affecting the Property is necessary, you shall promptly take all necessaryremedial actions in accordance with Environmental Law. As used in this Deed of Trust, "HazardousSubstances" are those substances defined as toxic or hazardous substances by Environmental Law andthe following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxicpesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, andradioactive materials. As used in this Deed of Trust, "Environmental Law" means federal laws and laws ofthe jurisdiction where the Property is located that relate to health, safety or environmental protection.

VALCOT P~ge 5 ~* 8


17. Acceleration; Remedies. You will be in default if (1) any payment required by theAgreement or this Deed of Trust is not made when it is due; (2) we discover that you havecommitted fraud or made a material misrepresentation in connection with the Agreement; or (3)you take any action or fail to take any action that adversely affects our security for the Agreementor any right we have in the Property. If a default occurs (other than under Section 14, unlessapplicable law provides otherwise), we will give you notice specifying: (a) the default; (b) theaction required to cure the default; (c) a date, not less than 30 days from the date the notice isgiven to you, by which the default must be cured; and (d) that failure to cure the default on orbefore the date specified in the notice may result in acceleration of the sums secured by this Deedof Trust and sale of the Property. The notice shall further inform you of the right to reinstate afteracceleration and the right to bring a court action to assert the nonexistence of a default or anyother defense you may have to acceleration and sale. If the default is not cured on or before thedate specified In the notice, we, at our option, may declare all of the sums secured by this Deed ofTrust to be immediately due and payable without further demand and may invoke the power ofsale and any other remedies permitted by applicable law. We shall be entitled to collect allexpenses incurred in pursuing the remedies provided in this Section 17, including, but not limitedto, reasonable attorneys’ fees as permitted by applicable law, but not to exceed 20% of the amountyou owe for principal and interest and costs of title evidence.

If we invoke the power of sale, we or the Trustee shall give you (and the owner of the Property, if adifferent person) notice of sale in the manner prescribed by applicable law. The Trustee shall givepublic notice of sale by advertising, in accordance with applicable law, once a week for twosuccessive weeks in a newspaper having general circulation in the county or city in which anypart of the Property is located, and by such additional or any different form of advertisement theTrustee deems advisable. The Trustee may sell the Property on the eighth day after the firstadvertisement or any day thereafter, but not later than 30 days following the last advertisement.The Trustee, without demand on you, shall sell the Property at public auction to the highest bidderat the time and place and under the terms designated in the notice of sale in one or more parcelsand in any order the Trustee determines. The Trustee may postpone sale of all or any parcel of theProperty by advertising in accordance with applicable law. We or our designee may purchase theProperty at any sale.

The Trustee shall deliver to the purchaser a deed conveying the Property with special warranty oftitle. The recitals in the Trustee’s deed shall be prima facie evidence of the truth of the statementsmade therein. The Trustee shall apply the proceeds of the sale in the following order: (a) to allexpenses of the sale, including, but not limited to, Trustee’s fees of 5% of the gross sale price andreasonable attorneys" fees (as set forth above); (b) to the discharge of all taxes, levies andassessments on the Property, if any, as provided by applicable law; (c) to all sums secured I~y thisDeed of Trust; and (d) any excess to the person or persons legally entitled to it. The Trustee shallnot be required to take possession of the Property prior to the sale thereof or to deliverpossession of the Property to the purchaser at the sale.

18. Discontinuance of Enforcement. Notwithstanding our acceleration of the sums securedby this Deed of Trust under the provisions of Section 17, we may, in our sole discretion and upon suchconditions as we in our sole discretion determine, discontinue any proceedings begun to enforce theterms of this Deed of Trust.

19. Release, Upon your request and payment of all sums secured by this Deed of Trust, weshall release this Deed of Trust. You will be responsible for all costs of recording such release.

VALCDT PW, 6 ~


20. Additional Charges. You agree to pay reasonable charges as allowed by law inconnection with the serv}cing of this loan including, without limitation, the costs of obtaining tax searchesand subordinations. Provided, however, that nothing contained in this section is intended to create andshall not be construed to create any duty or obligation by us to perform any such act, or to execute orconsent to any such transaction or matter, except a release of the Deed of Trust upon full repayment of allsums secured thereby.

21, Waiver. No waiver by us at any time of any term, provision or covenant contained in thisDeed of Trust or in the Agreement secured hereby shall be deemed to be or construed as a waiver of anyother term, provision or covenant or of the same term, provision or covenant at any other time.

22. Homestead Exemption. You waive the benefit of your homestead exemption as to theobligations secured by this Deed of Trust,

23. Name and Address of Noteholder. The noteholder secured by this Deed of Trust isChase Manhattan Bank USA, N.A. Communications directed to Chase Manhattan Bank USA, N.A. sha|lbe given by first class mail to the address stated above on the first page of this Deed of Trust.

24, Substitute Trustee. We, at our option, may from time to time remove the Trustee andappoint a successor trustee to any Trustee appointed hereunder. Without conveyance of the Property,the successor trustee shall succeed to all the" title, power and duties conferred upon the Trustee hereinand by applicable law.

25. Riders to this Deed of Trust. If one or more riders are executed by you and recordedtogether with this Deed of Trust, the covenants and agreements of each such rider shall be incorporatedinto and shall amend and supplement the covenants and agreements of this Deed of Trust as if therider(s) were part el:this Deed of Trust.

[] Condominium Rider [] 1-4 Family Rider

[] Planned Unit Development Rider [] Other(s) Second Home Rider

VALCDT p=ge7 of a


NOTICE: THE DEBT SECURED HEREBY IS SUBJECT TO CALL IN FULL OR THE TERI~ISTHEREOF BEING MODIFIED iN THE EVENT OF SALE OR CONVEYANCE OF THE PROPERTYCONVEYED.

BY SIGNING BELOW, You accept and agree to the terms and covenants contained in this Deedof Trust and in any rider(s) executed by you and recorded with it,

Witnesses: . ~ .~

/~.~.~,"~..-." ~:- ~ __ (Seal)RAYM~H~D A. MIRRA

GIGI JORDAN_(Seal)

STONF.~.RIOGE ENTERPRISES LLCBy Raymond A. Mitre, Jr., Manager

_(Seal)

/~ /~//(Sea,)RAM~’~J~LTY HOLDINGS LLC "By Raymond A. Mitre, Jr,, Manager

STATE OF ~%f~ IO ~ ~t _

CITY/COUNTY OF ~’ ~"(~- ss:

The foregoing instrument was acknowledged before me this ~ day of ~~’~

.__.by(name(s) of perSon(s) acknowledged)

{Notar~ Public)

VALCDT P~e s o~ s


SCHEDULE A

PARCEL ONE:

Tax Map 34(1)26All that certain tract or parcel of real estate, lying, being and situated in Stonewall MagisterialDistrict, Appomattox County, Virginia, containing 7.47 acres, more or less, and being designated asLot No. 26 on Plat of Survey entitled "Section 3 - Country Haven Estates", made by Dudley and Zeh,Certified Land Surveyors, Rocky Mount, Virginia, dated December 28, 1978, which plat is of recordin the Circuit Court Clerk’s Office of Appomattox County, Virginia in Plat Book 2 at pages 33 and34 and to which plat reference is hereby made for a more complete and accurate description of theproperty.

TOGETHER WITH the right of ingress and egress over and along the 50 foot road right-of-way asshown on the aforesaid plat, in common with others, as evidenced by a grant of easement of ingressand egress by a declaration from Country Haven Estates, he., et al., of record inthe Clerk’s Office ofthe Circuit Court of Appomattox County, Virginia in Deed Book 141, at page 386.

PARCEL TWO:

Tax Map 35(A)All that certain tract or parcel of real estate, with all improvements thereon lying and being in theStonewall Magisterial District of Appomattox County, Virginia, situated about two (2) milesNorthwest of the Village of Stonewall, containing one-hundred thirty-four and seven-tenths (134.7)acres, according to a plaf of survey thereof, dated March 28, 1959 prepared by Charles H. Kirldand,C.L.S., a copy of which is recorded in the Circuit Court Clerk’s Office of Appomattox County,Virginia in Deed Book 70, at page 107 and to which plat reference is hereby made for a morecomplete and accurate description.

LESS AND EXCEPT: 4.8 acres conveyed to Peters by deed recorded in the aforesaid Clerk’s Officein Deed Book 122, at page 319.

LESS AND EXCEPT: 2.20 acres conveyed unto Peters by deed recorded in the aforesaid Clerk’sOffice in Deed Book 178, at page 755.

PARCEL THREE:

Tax Map #34(1)9.431 that certain tract or parcel of land with the building and improvements thereon and the privilegesthereunto, situate, lying and being in Stonewall Magisterial District, containing 6.81 acres, more orless and being designated as Lot 9, "Section 3 - Country Haven Estates", made by Dudley and Zeh,Certified Land Surveyors, Rocky Mount, Virginia, dated December 28, 1978, of record in the Clerk’sOffice of the Circuit Court of Appomattox County in Plat Book 2, at Pages 33 and 34 to which platreference is made for a more particular description.

-Instrument# 200500757 Page i0

PARCEL FOUR:

Tax Map #23(A)5BAll of that certain tract or parcel of real estate, together with the buildings and improvements thereonlying and being in Stonewall District and locally known as "Clifton", containing by estimation 651acres, more or less, if measured to the center of the James River or 591 acres, more or less, ifmeasured to the edge of the James River and more particularly described according to a "Survey AndMap Of Acres Of Land At The End Of Route No. 72I In The County Of Appomattox, Virginia"dated March 18,1983 by P. T. Seargent, Certified Surveyor of record in the aforesaid Clerk’s Officein Plat Cabinet 1, Slide 62E. LESS AND EXCEPT that certain 3.06 Acre, more or less, parceldescribed as Parcel 3 below.

PARCEL FIVE:

Tax Map # 23(A)SB.All that certain tract or parcel of land, together with all improvements thereunto belonging, lying andbeing in Stonewall District, fronting on Route 721, containing 3.006 acres, more or less, and beingmore particularly described by plat made by Neighbors &Miller, P.L.S, dated March 3,1983, ofrecord in the aforesaid Clerk’s Office in Deed Book !57, Page 400.

PARCEL SIX:

Tax Map # 23(A)5All of that certain tract or parcel of real estate, lying and being in Stonewall Magisterial District anddesignated as Tract No. 2 "A" on a map of"Chestnut Mountain Farms", redivided by DeMott andMagruder, July, 1923, recorded in Deed Book 23, Page 320, fronting on the James River andcontaining 75.07 acres, more or less, being 10!.57 acres acquired by the Grantors LESS ANDEXCEPT 26.5 acres, conveyed by the Grantors to Melvin G. Giles, Jr. and Holly J. Giles as part of a51 acre parcel in Deed Book 200, Page !5.

PARCEL SEVEN:

Tax Map # 23(A) 5All of that certain tract or parcel of real estate lying and being in Stonewall Magisterial District,containing 2.385 acres, more or less, as shown on a plat entitled "Plat Showing Part Of Lot3B,Chestnut Mountain Farms, Stonewall District, Appomattox County, Virginia", dated January 28,1983, made by Hurt & Proffitt, Inc., of record in the aforesaid Clerk’s Office in Deed Book 153, Page.889.

-Instrument# 200500757 Page II

PARCEL EIGHT:

Tax Ma~ # 23(A1~5That certain tract or parcel of ground situate, lying and being in Stonewall District containing 253.4acres, more or less, as shown on "Plat of 253.4 Acres of Land Surveyed for the R. S. Burruss, Jr.Estate; Being Parcel 2B and 2C on Plat in D. B. 23, p. 320, Owned by Said Estate. Situated inStonewall District of Appomattox County, Virginia" dated May 14,1987 made by William W.Dickerson, Jr., L.S., a copy of which is attached to deed dated October 2,1987 of record in theaforesaid Cl¢rk’s Office in Deed Book 173, page 275, LESS AND EXCEPT, a 25 acre parcelconveyed to Ronald D. Carson, et al, and LESS AND EXCEPT 25.4 acres conveyed to Melvin O.Giles and Stephanie M. Giles by deed of record in the aforesaid Clerk’s Office in Deed Book 200,Page 15. The aforesaid plat of survey of record in Deed Book 23, at page 320 was incorrectlyreferenced in that deed dated April 5, 2002 and recorded in the Circuit Court Clerk’s Office ofAppomattox County, Virginia in Deed Book 284, at page 368, Instrument # 20021100, as beingrecorded in Deed Book 22, at page 240.

PARCELNINE:

Tax Map # 23(A] 5All of that certain tract or parcel of land, lying and being in the Stonewall District, fronting on theSouth side of Route No. 721, containing 68.1 acres, more or less, as more particularly described on aplat of survey by William W. Dickerson, Jr., L.S., dated August 15,1978, Revised May 1, 1987, andshown thereon as Parcel "A", a copy of which plat is of record in the aforesaid Clerk’s Office in DeedBook 170, Page 626.

PARCEL TEN:

Tax Map # 23(A) 5.All of that certain tract or parcel of land, lying and being in Stonewall District, containing 15 acres,more or less, as shown on plat of survey by William W. Dickerson, Jr., L.S., dated August 15,1978,revised Mayl, 1987 and shown as Parcel "B" which plat is of record in the aforesaid Clerk’s Office inDeed Book 172, Page 536.

PARCEL ELEVEN:

Tax Map # 23(A) 5All of that certain tract or parcel of land, lying and being in Stonewall District, lying on theSouthwest side of Route No. 721 containing 66.0 acres, more or less, as shown on a plat of surveymade by William W. Dickerson, Jr., LS., bearing date of August 15, 1987, which plat was recordedin the aforesaid Clerk’s Office in Deed Book 141, Page 621.


PARCEL TWELVE:

Tax Map # 23(A) 5That certain tract or parcel of ground situate, lying and being in Stonewall District containing 208.1acres, more or less, as shown on "Plat of 298.1 Acres of Land Surveyed for the R. S. Burruss, Jr.,Est.; Being Parcels 6A, 6B, 6C, & 5A on Plat in D. B. 23, P. 320, Owned by Said Estate. Situated inStonewall District of Appomattox County, Virginia" dated May 14, 1987, made by William W.Diekerson, Jr., L.S., a copy of which plat is recorded with a deed dated October 2,1987, of record inthe aforesaid Clerk’s Office in Deed Book 173, Page 275,The aforesaid plat of survey of record inDeed Book 23, at page 320 was incorrectly referenced in that deed dated April 5, 2002 and recordedin the Circuit Court Cterk’s Office of Appomattox County, Virginia in Deed Book 284, at page 368,Instrument # 20021100, as being recorded in Deed Book 22, at page 240.

PARCEL THIRTEEN:

Tax Map # 24(1)9All that certain lot or parcel of real estate with all improvements thereon lying and being inStonewall Magisterial District of Appomattox County, Virginia, containing 5.42 acres, as shown anddescribed on a plat of survey made by William W. Dickerson, Jr., L.S., bearing the date of December3, 2002, of which plat is recorded in the Clerk’s Office of the Circuit Court of Appomattox County,Virginia in Plat Cabinet 1, Slide 77F. The said plat and deed and instnmaents of title mentioned insaid deed are hereby incorporated in and made.a part of this deed the same as if written out herein,and reference to same is hereby made for a better description of the real estate hereby conveyed.

Together with and subject to a right of way and easement over and across the old Pluckett Roadpresently located on the herein described property for the purpose of ingress and egress to VirginiaSecondary Road No. 605, previously reserved by Schwier unto themselves and the part of the firstpart herein, their heirs and assigns, this forever right of way, by deed dated April 2, 1973, fromRobert J. Schwier and Eunice J. Schwier, recorded in the aforementioned clerk’s office in Deed Book112, at Page 134;

PARCEL FOURTEEN:

’Fax Map # 24(1)6; 24(1)5; 24(1)4; 24(1)8; 24(1)7~ 24(1)10Atl those certain lots, pieces or parcels of land, with the buildings and improvements thereon, situate,lying and being in Stonewall Magisterial District, Appomattox County, Virginia, and known anddesignated as Lots 4, 5, 6, 7, 8 and 10, as shown on that certain plat of Stonewall Hills Estates, madeby D. L. Bowman, C.L.S., revised April 13, 1972, and recorded in the Clerk’s Office of the CircuitCourt for Appomattox County, Virginia, in Plat Book 1, at Page 3. Reference to said plat is herebyexpressly given for a more accurate and complete description of the said property.


PARCEL FIFTEEN:

Tax 1V[ap # 24(A)!!All that certain ttaet and parcel of real estate, containing 172.8 acres as shown rand defined on a platof sm-vey thereof dated December 9th, 1952, made by W. g( Scott, which plat of survey is recordedin Deed Book 58 at Page 328, and made a part of this deed as though it were setout completely andin full for a better mad more complete description of this real estate, which parcel of land is situatedin Stonewail Magisterial District Appomattox County, Virginia, and lies in the intersection of roads611 and 613 in the said county.

LESS AND EXCEPT that portion of the property conveyed to the Commonwealth of Virginia byDeed dated July 10, 1978, and recorded in Deed Book 137 at Page 288 (2.06 acres).

PARCEL SIXTEEN:

Tax M,a,p #, 23(A)10All of those two certain tracts and parcels of land situated and being in Stonewall Magisterial Districtof Appomattox County, Virginia, and lying about 15 miles Northwest, of the Town of Appomattox,on the waters of Stonewall Creek, and adjoining the lands B. D. and Mary L. Stratton, and the landsof Co M. Stratton estate, and the lands of Burruss Land & Lumber Company, and the lands ofWinston Ferguson, and the other lands of the said Kern Mays, and by the said Stonewall Creek, andbeing all of and the identical real estate that was acquired by the said Kern Mays by two separatedeeds, one of which is dated August 5t~, 1949, from George Abbitt, Jr., Special Commissioner,which deed was duly admitted to record in the Clerk’s Office of the Circuit Court of AppomattoxCounty in Deed Book No. 51 at page 453 thereof, and the other being dated August !st, 1946, ofrecord in the said Clerk’s Office in Deed Book 29 at page 339, thereof from B. W. Mays and wife,the first deed above mentioned having purported to convey 150 acres, more or less, and the seconddeed purporting to convey 50 acres, more or less, and which two parcels of real estate are accuratelyand fully defined and described on a plat of survey thereof, dated October 13th, 1952, made by W. W.Scott, C.L.S., which plat shows the said real estate as containing 233.3 acres and which plat isrecorded with the deed in Deed Book 58, page 40. Reference being expressly made to each of theabove-mentioned instruments.for an accurate and full descriptioa of this parcel of real estate herebyconveyed.

TOGETHER WITH AND SUBJECT TO Boundary Line Agreement, and Deed of Easement by andbetween John H. Stratton and Jean M. Stratton and Continental Hopewelt Woodlands, Inc., datedJune 4, 1983, and recorded January 23, 1984, in Deed Book 156 at Page 595, which established acommon boundary between the parties and grants unto each other a 36’ Right of May leading toRoute 611.


PARCELSEVENTEEN:

Tax Map #23(A)1.

All that certain lot, tract or parcel of land lying and being in the Stonewall Magisterial Districtof Appomattox County, Virginia, coataining 376.0 acres, more or less, consisting of 371.2acres on the southwesterly side of Virginia Secondary Route 721, and 4.8 acres on thenortheasterly side of Virginia Secondary Route 721, as shown on plat of survey for the R.. S.Burmss, Jr., Estate, made by William W. Dickerson, Jr., L.S., dated July 20, 1987, recorded inthe Clerk’s Offlce of the Circuit Court of Appomattox County, Virginia, in Plat Book 9. page11.

PARCEL EIGHTEEN:

Tax Map # 24(1)19AH of that certain lot or parcel of real estate together with any and all improvements thereonsituate, lying and being in Stonewall Magisterial District of Appomattox county, Vkginia,lying and being about eight (8) miles north of Concord, Virginia, approximately seventeen(17) miles from Appomattox, Virginia, and lying on both sides of State Secondary Road No.605, and being designated as Lot 19 on a plat of survey entitled "Stonewall Hills Estates",dated August 1971, and recorded in the clerk’s office of the circuit court of Appomattoxcounty, Virginia, in plat book 1, at page 3, contairdng 10.35 acres as shown by another plat ofsurvey dated April 12, 1978, made by WiIliam W. Diekerson, Jr., L.S., being shown as lot 19on said plat, which p!at is recorded in the Clerk’s Office in Deed Book ! 38, at Page 65 I, andshows 5.48 acres being on the northwest side of State Secondary Road No. 605 and 487.

PARCELNINETEEN:

Tax Map #24(1)20All of that certain lot or parcel of real estate together with any and all improvements thereonsituate, lying and being in Stonewall Magisterial District of Appomattox County, Virginia,containing 10.82 acres, more or less, and being designated as Lot No. 20, shown on a plat ofsurvey made by D. L. Bowman, bearing date of October 22, 1971, and revised as of April 13,1972, which plat is recorded in the Clerk’s Office of the Circuit Court of Appomattox County,Virginia in Plat Book 1, at Page 3, and said plat shows the entire tract known as StonewallHills Estate which was formerly the lands ofJ. M. Mays, and this parcel conveyed is a part ofthe real estate conveyed unto Robert J. Schwier and Eunice J. Schwier, husband and wife, bydeed of record in the aforementioned Clerl4s Office in Deed Book 103, at Page 77, and thesaid plat shows the metes and bounds of said tract which lies on both sides of State SecondaryRoad No. 605, and atso lies on both side of Stonewall Creek and said Lot is 300 feet wide,both at the rein" and the front and is 1580,5 feet in length on the east and 1562.7 feet on thewest and equal width all the way through. Reference is hereby made to said plat for a moreaccurate and complete description of the real estate herein conveyed.


PARCEL TWENTY:

Tax Map #24(1)BAll that certain tract, piece or parcel of land, situate, lying and being in Stonewall MagisterialDistrict, Appomattox County, Virginia, containing 11.00 acres, more or less, located on thewest side of Virginia Secondary Highway No. 721, with Stonewall Creek rurming tbxough theproperty.

PARCELTWENTY-ONE:

Tax Map # 24(A}lAALL that certain tract or parcel of ground, together with all and singular the buildings andimprovements thereon belonging, situate, lying and being in Stonewal[ Magisterial District,Appomattox County, Virginia, on the James River, and across said river from Stapleton, oncea station on the Chesapeake and Ohio Railway Company, in Amherst County, Virginia,designated as Tract 5, and more particularly described in a plat of survey of 561.70 acres of theDorothy IsbelI Wilson property in Stonewall District, Appomattox County, Virginia, datedSeptember 16,1986, and revised October, 1986, October 27,1986, October 29,1986 andNovember 28,1986 and prepared by William W. Dickerson, Jr., L.S., a copy of which isrecorded in the Clerk’s Office of the Circuit Court of the County of Appomattox, Virginia, inPlat Book 6, at Page 7, said Tract 5 containing 44.33 acres, more or less.

PARCEL TWENTY-TWO:

Tax Map # 24(A) 2All of that certain tract or parcel of real estate with all improvements thereon lying andbeing in the Stonewall Magisterial District of Appomattox County, Virginia, containing63.10 acres, as shown by a plat of survey made by S. S. Lynn, Surveyor, beating date ofAugust, 1920, being Lot No. 1 thereon, adjoining the lands now or formerly owned byIsbell, Kell, Robert Ferguson, W. M. Ferguson and others. The lines between Robert C.Ferguson and this tract are shown on a plat of survey made by W. W_.. Scott, oC.L.S., bearingdate of March 22,1954, and being a part of the real estate that was conveyed unto 0. K.Ferguson by deed bearing a date of the 12th day of April, 1921, and recorded in the Clerk’sOffice of the Circuit Court of Appomattox County, Virginia in Deed Book 21 at page 244,


Reference #: 050351716000

SECOND HOME RIDERTHIS SECOND HOME RIDER is made this 29th day of March ,2005

and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed ifTrust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the"Borrower," whether there are one or more persons undersigned) to secure Borrower’s Note orHome Equity Line of Credit Agreement and Disclosure (the "Note") toJPMorgan Chase Bank, N.A. (the "Lender") of the same date and coveringthe Property described in the Securfty Instrument (the "Property"), which is located at:ROUTE 2 BOX 63CONCORD, VA 24538-9330

[Property Address]

SECOND HOME CONVENANTS. In addition to the covenants and agreements made in theSecurity Insb’ument, Borrower and Lender further covenant and agree as follows:

A. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower’ssecond home. Borrower shall keep the Property available for Borrower’s exclusive use andenjoyment at all times, and shall not subject the Property to any timesharing or other shared

SECHMRID (Rev. 10/21/03) Page 1 of 2


ownership arrangement or to any rental pool or agreement that requires Borrower either to rent theProperly or give a management firm or any other person any control over the occupancy or use ofthe Property.

B. Borrower’s Loan Apptication. Borrower shall be in default if, during the Loanapplication process, Borrower or any persons or entities acting at the direction of Borrower or withBorrower’s knowledge or consent gave materially false, misleading, or inaccurate information orstatements to Lender (or failed to provide Lender with material informafJon) in connection with theLoan. Matedal representations include, but are not limited to, representations concerning Borrower’soccupancy of the Property as Borrower’s second home.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in thisSecond Home Rider.

(Seal)

aorro~’~’’~ RAYMOND A. MIRRA(Seal)

aorrowe~TON"E RIDGE ENTERPRISES LLCBy Raymond A. Mirra, Jr., Manager

Borrowe[Seal)

INGS LLCRaymond A. Mirra, Jr., Manager

(Seal) (Seal)

Borrower Borrower

SECHMRID Page 2 of 2

INSTRUMENT #2095~0757RECORDED !N THE CLERK’S OFFICE OF

COUNTY OF ~PPOMATTOX ONMARCH 31~ 2995 AT !2:30PMBARBARA R. NILLIAMS~ CLERK

R~feren~ #; 050351716000

SECOND HOME RIDERTHIS SECOND HOME RIDER is made this29th day of March ,2005 ,

and is incorporated Into and shalt be deemed 4o emend and supplement the Mortgage, Deed ofT~ust, or Security Deed (the "Security lns[r~men|") of the same date given by the undersigned (the"Borrower;’ whether there are one or more persons undersigned) to secure Borrower’s Note orHome Equity Line of Credit Agreement and Disclosure (the "Note") toJPMorgan Chase Bank, N,A. (the "Lender") of the same date and coveringthe Property described in the Security lnsLrument (~lte "Property"), which ls located at:ROUTE 2 BOX 63CONCORD, VA 24538-9330

[Properb, Address]

SECOND HOM~ CONV!~NANTS. tn addition to the covenants and agreements made in theSecudty Instrument, i~orrower and Lender further covenant and agree as fotlows:

A, Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower’ssecond home. Borrower shall keep the Properly available for Borrower’s exclusive use andenjoyment at all times, and shall not subject the Property to any timesharing or other shared

5ECHMRtD {Roy. 10/2-!~’03)

ownership arrangement or to any rental pool or agreement that requires Borrower either to rent theProperty or give a management ~rm or any other person any control over the occupancy or use ofthe Property.

B. Borrower’s Loan Appltcatlon, Borrower shag be in default if, during the Loanapplication process, Borrower or any persons or entit|es aoting at the direction o~ Borrower or withBorrower’s knov~edge or consent gave materially false, misleading, or inaccurate information orstatements to Lender (or failed to provide Lender with material infarmation) in connection with theLoan, Matedel representations include, but ore not ~imitod to, representations concerning Borrower’soccupancy of the Property as Borrower’s second home.

6Y SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in th(sSecond Home Rider,

RAYMOND A, MIRRA

By Raymond A. Mirra, Jr., Manager By Raymond A. Mirra, Jr,~ Manager

Borrower

8ECHMRID PBg~ 2 of 2

INSTRUMENT ~f2H~,]Sge757RECORDE]) !N THE CLERK’S OFFICE OF

COUNTY OF APPOr,I~TTOX OtVHHK~Mt~’~K’’ 31, 2~B5 ~T i2:3~PF1~RB~R~ R, ~,}ILLIAt’IS, CLERK

FROM ;~.IL~ T~TLE FP,~ NO, :434-~82-G688 F~_b. il 200’3 12:58PM P~

PARCEL ONE:

All ffaxt c~zin tla~t or parcel .of re~d estate, l~g,Di~ A~~x C~, V~

~ Co~ ~d S~, R~y ~ V~ ~M ~~ 28, 1978, wM~ p~ ~ of

TOGE~K ~ ~e fi# of~ss ~ds~ on ~ ~fl plat, ~ co--on ~ o~ ~ �~d=c~ ~ a ~ of~t of~

Of~¢ ~fit CO~ Of~O~ox Co=~, Y~#s ~ ~ Book 141, g ~� 386.

PARCEL TWO:

All that certain tract or parcel of ~e~al estate, with all improvornon, ts thereg, n lying and being in the¯ Stoaewa/l Mag~tcri~l Distdct of Appomattox Couaty, Virg~a, si0mtgd about tv¢o (2) mi!gsNorthwe~ of the Village of Stonewa11, containing one-hue, Ared~hirty-four o.ud se~eivt~ths (134.7)~ms, ~ording los pl~ of sm’vey kher~f, dated March 28, 1959 pwpared by Charles I~L Kirk]and,C.L.S., a Colby of Which is recorded in the Circuit Court Clerk’s Office of Appomalmx County,

Virginia in Doed Book 70, at’page I07 mad to which l)Im reference is hereby madefor a morecomplete and ac.~m~ descriI~ion.

L~$s AxrD ExcEPT: 4.~ sores cortvoy~i to Pot~by deed ~x~o~d in tho afor~d Cl~rk’sOffic~in B~ Book 122, at img¢ 319.

LEsS AND EXCEPT: 2.20 acres conv~ed unto ~’euws by deed r~cord~ in the afore~dd Cl~k’sOffic, in Deed Book 178, at page 755.

/kll tlmt ctrtain tmot o~ ~] ofl~d ~ ~� b~l~ng ~d im~v~ ~n ~d ~o

O~ of~ Ckc~t ~ of ~ma~x Co~ in Plat ~k ~ at Pagm 33 ~d M m ~ p~

Fidelity National Title

PARCEL FOUR:

Tax Map~I1 of that certain tract or parcel of r~al estate, together with the buildings and improvements thereonlying and being in S~newalI District and locally known as "Clifton", containing by ~timation 651acres, more or less, if measured to the center of the James River or 591[ ogres, more or less, ifmeusured |o the edge of the .t~rn~s River and more particularly described according to a "Surv~ AndMap Of Aores Of Land At The End Of Route No. 721 In The County Of Appomattox, Virginia"dated March 18,1983 by P. T. Seargent, Certified Surveyor of record in the aforesaid Clerk’s Officein Plat Cabinet I, Slide 62E. LESS AND EXCEPT that certain 3,06 Acre, more or less, parceldescribed as Parcel 3 below.

PARCEL FIVE:

"l’ax_~!ap # 23(A)5_B_BAll that certain tract or parcel of land, together with all improvements g~ereunto belonging, lying ~dbeing in Stonewall Dis~ict, fronting on Rout~ 72 I, containing 3.006 ac~, mo~ or le~s, ~d ~ingmo~ pa~icuIar/y descried by plat made by Neigh~ & Miller, ILLS, dated M~h 3,1983, ofrecord in the afo~said Clerk’s O~ee in De~ ~ok 157~ Page 400.

PARCEL SIX:

"Fax Ma~ # 23(A)5Aft of that certain tract or parcel ofreal estate, lying and being in Stonewall Magisterial Dislriet anddesignated as Tract No. 2 "A" on a map of "Chestnut Mounlain Farms", redivided by DaMott andMagruder, July, !923, recorded in Deed Book 23, Page 320, fronting on the James River andcontaining 75.07 acres, more or less, being 101.57 acres acquired by the Grantors LESS ANDEXCEPT 26.5 acres, conveyed by the Grantors to Melvin G. Giles, Jr. and Holly J. Giles as part of a51 acre parcel in Deed Book 200, Page t 5.

PAKCEL SEVEN:

Tax Map # 23(A) 5~ii of that certain tract or parcel of real estate lying and being in Stonewall Magisterial District,containing 2.385 acres, more or less, as shown on a plat entitled ~Plat Showing Part Of Lot3B,Chestnut Mountain Farms, Stonewall District, Appomattox County, Virginia", dated January 28,! 983, made by Hurt & Pro~tt, inc., oFrecord in the aforesaid Clerk’s Office in Deed Book ! 53, Page889.

PARCEL EIGHT:

Tax Map # 231A~_5~-~a-t certain tract or parcel of ground situate, lying and t~ing in Stonewall District containing 253.4acres, mona or loss, as shown on "Plat of 253A Acres of Land Surveyed for the R. S. Burruss, Jr.Estate; Being l’,weel 2B ~md 2C on P!at in D. B. 23, p. 320, Owned by Said Estate. Situated inStonewall District of Appomattox County, Virginia" dated May 14,1987 made by William W.Dickerson, Jr., L.S., a copy of which is attached to deed dated O~tober 2,1987 of record in theaforesaid Clerk’s Office in Deed Book 173, page 275, LESS AND EXCEPT, a 25 acre parcelconveyed to Ronald D, Carson, et al, and LESS AND EXCEPT 25,4 acres conveyed to Melvin G.Giles and Stephanie M. Giles by deed of record in the aforesaid Clerk’s Oftiee in Deed Book 200,Page 15. The aforesaid plat of survey of record in Deed Book 23, at page 320 was incorrectlyreferenced in that deed dated April 5, 2002 and recorded in the Circuit Court Clerk’s Office ofAppom~ltox County, Virginia in Deed Book 28,I, at page 368, lnstrtament # 20021 I00, as beingrecorded in Deed Book 22, at page 2,I0.

PARCEL NINE:

Tax !!�lap #, 23(A} ,5All of that certain tract or parcel of|and, lying and being in the Stonewall District, fronting on theSouth side of Route No. 721, containing 68. I acres, more or less, as more particularly deacribed on aplat ofsurvey by William W. Dickerson, Jr., L.S., dated August 15, ! 978, Revised May 1, 1987, andshown lhereon as Parcel "A", a copy o f which plat is ofreeord in the aforesaid Cl~rk’s Office in DeedBook 170, P~ge 626.

PARCEl, TEN:

Tax Map # ~All of that certain tract or parce! of land, lying and being in Stonewall Dislrict, containing t 5 acres,more or tess, as shown on plat of survey by William W. Dickerson, Jr., L.S., dated August I5,1978,revised May l, 1987 and shown as Parcel "W’ which plat is of record in the aforesaid Clerk’s Office iaDeed Book 172, Page 536.

PARCEL EI,EVEN:

Tax Ma. # 13(A) 5AI-] tff that certain tract or parcel of land, lying and being in Stonewall District, lying on theSouthwest side of Route No. 72l containing 66.0 acres, more or less, as shown on a plat of surveymade by William W. Dickerson, Jr., LS., bearing date ofAugust 15, ! 987, which plat was recordedi~ the aforesaid Clerk’s Office in Deed Book 141, Page 621.

PARCEL TWELVE:

Tax .Map # 2:3(A) SThat certain Imct or parcel of ground situate, lying and being ~n Stonewall District containing 208. ~acres, more or less, as shown on "Plat of 298.1 Acres of’Land Surveyed[ for the R. S. Burruss, Jr.,F, st.; Being Parcels 6A, 6B, 6C, &SA on Plat in D. B. 23, P. 320, Owned by Said Estate. Situated inStonewall District of Appomattox County, Virginia" dated May 14, 1987, made by William W.Dickerson, Jr., L, S., a copy of which plat is recorded with a deed dated O~tober 2,1987, of record inthe aforesaid Clerk’s Office in Deed Book 173, Page 275.The aforesaid plat of" survey of record inDeed Book 23, at page 320 was incorrectly referenced in that deed dated April 5, 2002 and recordedin the Circuit Court Clerk’s Office of Appomattox County, Virginia in Deed Book 284, tit page 368,Instrument # 2002 t t00, as being recorded in Deed Book 22, at page 240,

PARCEL THIRTEEN:

~_lTa,,x,,,Map # 241!)9All that certain lot or parcel of real estate with all improvements thereon lying and being inStonewall Magisterial District of Appomattox County, Virginia, containing 5.42 acre% as shown anddescribed on a plat of survey made by William W. Diekerson, Jr., L.S., bearing the date of December3, 2002, ofwhich plat is recorded in the Clerk’s Office of the Circuit Court of Appomallox County,Virginia in Plat Cabinet 1, Slide 77F. The said plat and deed and instruments of title mentioned insaid deed are hereby incorporated in and made a part of this deed the same as if’written out herein,and referel~ce to same is hereby made for a better description of the real estate hereby conveyed.

"lbgether with and subject to a fight of way and easement over and across the old Pluckett Roadpresently located on the herein described property for the purpose of ingress and egress to VirginiaSecondary Road No. 605, previously reserved by Schwier unto themselves and the part of the firstpart herein, their heirs and assigns, this forever right of way, by deed dated April 2, i973, fromRobert J. Schwier and Euniee L Schwier, recorded in the aforementioned clerk’s office in Deed BookI I2, at Page 134;

PARCEL FOUKTEEN:

Tax Map # 241"1)6,: 24(1)5; 24t’1)4~ 24(1~.~ 24t’!)7.~ 24(1)10All those certain lots, pieces or parcels of land, with the buildings and improvements thereon, situate,lying and being in Stonewall Magisterial District, Appomattox County, Virginia, ~nd known anddesignated as Lots 4, 5, 6, 7, ff and 10, as shown on that certain plat ofStonewall ttilts Estates, madeby D. L. Bowman, C.L.S., revised April 13, 1972, and recorded in the Clerk’s Office of the CircuitCourt for Appomattox County, Virginia, in Plat Book I, at Page 3. Referent, to said plat is herebyexprezsty given for a more accurate and complete description of the said property.

PARCEL FIFTEEN:

Tax Map # 241A)I~~.-~1 that certait~ t~act and pawel ofreaI estate, containing 172.8 acres as sho~ r~d defined on a plato~su~oy t~rcofdat¢d December 9th. 1952, made by ~ ~ ScotL w~ch plat ofs~ey is recordedin Deed B~k 58 at Page 328, and made a p~ of this dvcd as ~ough it were s¢tout complexly andin full for a ~lcr m~d more complete d~fiption oflhis ~M ~tat¢, which p~l ofl~d is situatedin Stonc~ll Magisterial Distrizt Ap~mnttox Go~ty, Virginia, ~d li~ in ~� int~tion of~ads6t I ~d 613 in the ~id county.

LESS AND EXCEPT that portion of the property conveyed to the Commonwealth of Virginia byDeed dated July 10, 1978, and recorded in Deed Book 137 at Page 288 (2,06 acres).

PARCEL SIXTEEN:

Tax MaD # 23(A)i0~,ii i~fthose two certain tracts and parcels ofta~d situated mad being in Stonewall Magisteria! Districtof’Appomattox County, Virginia, and lying about ! 5 miles Northwest, of the Town of Appomattox,on the waters of’Stonewall Creek, and adjoining the lands B. D. and Mary L. Stratton, and the landsof C. M. Straiten estate, and the lands of Burruss Land & Lumber Company, and the lands ofWinsto~ Ferguso~b and the other lands oflhe said Kern Mays, and by the said Stonewtdl Creek, andbeing all of and the identi~ai real estate ~hat was acquired by It~e s~d Kern Mays by two separatedeeds, one of which is dated August 5~, 1949, from George Abbitt, .Or., 8peoial Commissioner,whi0h deed was duly admitted to record-in the Clerk’s Office of the Circuit Court of AppomattoxCounty in Deed Book No. 5t at page 453 thereof, and the other being dated August I", 1946, ofrecord in the said Clerk’s Office in Deed Book 29 at page 339, thereof from B. W. Mays and wife,the fi rat deed above mentioned having purported to convey 150 acres, more or less, and the seconddeed purporting to convey 50 acres, more or less, and which two parcels el’real estate are accuratelymid fully defi~ed m~d described on a plat ol~survey thereof, dated October 13th, 1952, made by W. W.Scott, C.L.S., whid~ plat shows the said real estate as contorting 233.3 acres and which pint isrecorded wiLh the deed in Deed Book 58, page 40. Reference being expressly made to ea¢h of theabove-mentioned instruments for an accurate and full description ofthis parcel of teal estate herebyconveyed.

TOGETHER WITH AND SUBJECT TO Boundary Line Agreement, and Deed of Easement by andbctweet~ Johta H. Stratton and Jean M. 8tratton m~d Continerttal Hopewe!l Woodlands, lnc~, datedJune 4, !983, and recorded January 23, 1984, in Deed Book 156 al Page 595, which established acommon boundary be~w~n the parties and ,grants unto each other a 36’ Right of May l~adiag toRoute 611.

FARCEL SEVENTEEN:

All that certain lot, tract or parcel of land lying and bring in the Stonewal! Magisterial Districtof Appomattox County, Virginia, containing 376.0 acres, more or less, consisting of 371.2aere.s on the southwesterly side of Virginia Secondary Route 72 i, mad 4.8 acres on timnortheasterly side of Virginia Secondary Route 72 l, as shown on plat ofsurvey for the R.. S.Burruss, Jr., F~state, made by William W. Dickerson, Jr., L.S., da¢ed July 20, 1987, recorded intho Clerk’s Office ot’th~ Circuit Court of Appomattox Counly, Virginia, in Plat Book 9. page

I’ARCEL EIGH tEEN.

Tax Map # 24(1119~I1 o[ that certain lot or pared of real estate together with any and all improvements thereonsituate, lying and being in Stonewall Magisterial District of Appomattox county, Virginia,lying and being about eight (8) miles north of Concord, Virginia, approximately seventeen(l 7) miles from Appomattox, Virginia, and lying on both sides of State Secondary Road No,605, mad being designated as Lot 19 on a plat of survey entitled "Stonewall Hills Estates",dated August 1971, and re¢zorded in the clerk’s office of the circuit ¢ourt of Appomattoxcounty, Virginia, in plat book I, at page 3, eoatairdng 10.35 acres as sho’~ by anothex plal ofsurvey dat~ April t2, 1978, made by William W. Diokerson, Jr-, L.S. being shown as lot 19on said plat, whid~ plat is recorded in the Clerk’s Office in Deed Book 13g, at Pag~ 65 I, andshows 5.48 aores being on the nor[hwest side of State Secondary Road No. 605 and 487.

PARCEL NINETEEN:

Tax Ma, p ,#24(1)20_~ii of that certain lot or parcel of real estate together wilh any and all improvements thereonsituate~ lying and being ia Stonewall Magisteria! District of Appomattox County, Virginia,containing 10.82 acres, more or less, and being designatut as Lot No. 20, shown on a p!at ofsurcey made by D. L. Bowman, bearing date of October 22, 197 I, and revised as of Apd! 13,1972, which plat is recorded in the Clerk’s Oltioe ofthe Circuit Court of Appomattox County,Virginia in Plat Book 1, at Page 3, and said plat shows the entire tract known as StonewallHilts Es|ato whid~ was formerly the lands ofL M. Mays, and this pared conveyed is a part ofthe real estate conveyed unto Robert J. Schwler and Eunice J. Schwier, husband and wife, byd~ed of record in the aforementioned Clerk’s Office in Deed Book 103, at Page 77, and the~id plat shows the metes and bounds of said tract whiuh lies on both sides of State SecondaryRoad No. 605, and also lies on both side of Stonewall Creek and said Lot is 300 t~eot wide,both at the rear and the front and is i 580.5 t~¢t in length on the east and 1562.7 feet on thewest and ¢qual width all the way through. Refe.cenee is hereby made to said plat for a moreaccurate and complete description ofthe real estate herein conveyed.

PARCEL TWENTY:

All that certain tract, piece or parcel of land, situate, lying and being in Stonewall MagisterialDistrict, Appomattox County, Virginia, containing 11 o00 acres, more or less, located on thewest side of Virginia SecoJrdary Highway No. 72 !, with Stonewall Creek running through theproperly.

PARCEL TWENTY-ONE:

T~ag~M ar~_# 24tA)IAALL that certain tract or parcel of ground, together with al! and singular the buildings andimprovements thereon belonging, situate, lying and being in Stonewa!l Magisterial District,Appomattox County. Virginia, on the James River, and aero~ said river from Stapleton, one~a station on the Chesapeake and Ohio Railway Company, in Amherst County, Virginia,designated as Tract 5, and more particularly described in a plat of survey of 561.70 acres ofthcDorothy lsb¢ll Wilson property in Stonewall District, Appomattox County, Virginia, datedSeptember 16,1986, and revised October, 1986, October 27,I9~16, October 29,I986 andNovember 28,1986 and prepared by William W. Dickerson, Jr,, LOS., a copy of which isrecorded in the Clerk’s Office of the Circuit Court of the County of Appomattox, Virginia, inPlat Book 6, at Page 7, said Tract 5 containing 44.33 acres, more or less.

PARCEl. TWENTY-TWO:

T_ax Mac # 24(A) 2~All of that certain tract or parcel of real estate with all improvements thereon lying andbeing in the Stonewall Magisterial District of Appomattox County, Virginia, containing63.10 acres, as sla~wn by a plat of survey made by S. S. Lynn, Surveyor, bearing date ofAugust, t920, being Lot No, 1 thereon, adjoining the lands now or formerly owned byIsbel!, Kell, Robert Ferguson, W. M. Ferguson and others. The lines between Robert C,Ferguson mad this tract are shown on a plat of" survey made by W, W. Scott, C.L.S., bearingdate of March 22,1954, and being a part of the real estate that was conveyed unto 0. K.Ferguson by deed bearing a date ofth~ 12th day of Aprit, 192I, and recorded in the Clerk’sOffice of the Circuit Court of Appomattox Cotmty, Virginia in Deed Book 21 at page 244.

AFFIDAVIT

STATE OF ~g/t~ ~r ~it~/;!t~

COUNTY OF ~

)

)

tRAYMOND A. MIRRA, ~JR~, being duly sworn, does hereby depose and say:

RAM Realty Holdings LLtC, is the sole member of Stone Ridge Enterprises LLC(the "LLC’), an owner of’~remises Route 2 Box 63, Concord, VA 24538.I am the manager of the LLC.The LLC was duly formed and has not been dissolved. There has been no changeto the members or managers of the LLC, nor has there been any change to itsOperating Ag~~l force and effect and has not been

~~ $4,0.00,000.00 from J~Morgan Chase Bank, N.A. b~s been

Sworn to before me this 29~:h day ~f March, 2005

AFFIDAVIT

))

)

RAYMOND A. MtRRA, ~IR., being duly sworn, does hereby, depose and sa~,~:

1. Gigi Jordan and Raymond A. Mirra, Jr. are aI! of the members of RAM RealtyHoldings LLC (the "LLC+i), an owner of premises Route 2 Box 63, Concord, VA24538.

2. ! am the manager of the LLC.3. The LLC was duly +brmed and has not been dissolved. There has been no change

to the members or manage~rs of the LLC, nor has there been any change to itsOperating Agreement. The LLC is in full force and effect and has not beenterminated.

4. The mortgage loan of $4,0~00,000,00 from JPMorgan Chase Bank, N.A. has beenduly authorized by the LLC.

RA.,,Y-~OND A. MtP,_RA, JR+I

Sworn to before me this 29th day bfMarch, 2005

Notary Public

Lander: JP,Morgan Chase

DOCUMENT; CORRECTION AGREEMENT

AGR.~EE,,MENT TO CORRECT MISSTATED DOCUMENTATION ANDfOR _TO PROVt[DOCUMENTATION OR FEES; In con,~lderation of Lender disbursing funds for theequity mortgage loan or line of credi.l (’Loan’) secured by the Properly beingregardless of the reason for any !os,~, misplacement, or inaccuracy in any Loan docun~, .....Borrower(s) agrees as follows: tf any document is lost, misplaced, misstated 0~ inaccurately rot]acts thetn~e and correct terms and conditions el, the Loan, upon request of the Lender, IElorrowar(s) will complywith Lender’s request to execute, ackn,owledge, initial and deliver to Lender any documentation Lenderdeems necessary to replace or correct the lost, misplaced, misstated or inaccurate document(s), If theor~gina! promissory note or home equlty Itne of credit agreement ts replaced, the Lender herebyindemnifies the Borrower(s) against any loss associated with a demand on the odginal note or line ofcredit agreement. All documents Lende, r requests of Borrower(s) shall be referred to as "ReplacementDocuments", Borrower(s) agrees |o deliver the Replacement Documents within ten (10) days afterreceipt by Borrower(s) of a written request for such replacement. Borrower(s) also agrees the! uponrequest Borrower(s) will supply addif, iona{, amounts and/or pay to Lender any additional sum previouslydisclosed 1o Borrower(s) as a cost or f~Je associated with the Loan~ which for whatever reason was notcollected at closing.

REQUEST BY_LENDER: Any request ~under this Agreement may be made by the Lender (includingassignees end persons acting on behalf, of the Lender) or Settlement Agent, and shall be ~ facf____~eevidence of the necessity for same. A wdtten statement addressed to Borrower(s) at the addressindicated in [he Loan documentation ~ha!t be considered conclusive evidence of the necessity forReplacement Documents. I

BORROWIE~ LIABILITY: If Borrower(s) felts or refuses to execute, acknowledge, initial and deliverReplacement Documents or provide the Additional Documents or Fees to Lender more than ten (10) daysafter being requesled to do so by Lender, and understanding lhat Lender ts relying ~n theserepresentations, Borrower(s) agree(s)~to be liable for any and all loss or damage which Lenderreasonably sustains thereby, including, but not limited to, all reasonable attorney’s fees and costs incurredby Lender,

This agreement shall su~vlve the closing of the Loan, and inure to the beneft! of Lender’ssuccessors and assigns and be binding upon the heirs, devlsees, personal representatives,successors and assigns of Borrower(s).

Da=ed: . March 29~ 2005Loan t Account No. _050351716000P rope Fly; RQUTE 2 BO~~538-9330

P-.AY~ A MIRRA JR

GIGI JOR~"

(Bo,rrower)

(Borrower)

(Borrower)

(Borrower)

(Borrower)

(Borrov~er)

March 23, 2005Reference # 05035i7i 6000

JPMorgan Chase Bank,Chase Bank USA, N.A.

AFFILIATED BUSINESS ARRANGEMENTDIS, CLOSURE STATEMENT

|

Home finance loans and Iines of credit ~are offered by JPMorgan Chase Bank, N.A. or Chase Bank USA,N.A. ("CUSA"), depending on the property location and product type. ¯

JPMorgan Chase Bank, N.A, and CUSA are affiliates. To assist our customers In sete¢tng the financingoplon that est sufl.s their needs, we may refer them from one affiliate to another. Sin~ these referralsmay resut in a fnancia] or other behest to JPMorgan Chase Sank, N.A. o~" CUSA, we are required byfederat law to provide you with this discl~sure.

Set forth below is the eslmated charge or range o.f charges by JPMorgan Chase Bank, N.A. or CUSA forsettlement services relating to home finance loans and lines of credit. These amounts are esttmafesonly and will vary depending on th~ property location and the type of loan you applied for,Charges for the services stated belowI may not apply to every transaction.

= Charges for credit repotl, app(atsa!, recording, settlemen! / escrow agents fees,.titte searchesand endorsements, flood certification, tax service fees, surveys, courier fees, underwrilng,processing, and document preparation as permitted by state taw, generally range from 1% to3% of the loan amount.

= Charges for loan discount and/+r origination fees range from 0% to 6% of the loan amount,¯ Mortgage title insurance, when ,required, can range from $1,00 to $8.00 per thousand,=~ Some states charge recording t~×, slate tax stamps, or transfer taxes ranging from $0,50 to

$17,50 per thousand. ,

You are NOT required to use JPMorgan iChase Bank, N.A. or CUSA to obtain home financing. THEREARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH StMILARSERVICES, YOU ARE FREE TO SHO~ AROUND TO DETERMINE THAT YOU ARF.. RECEIVING THEBEST SERWCES AND TH~ BEST F~a, TE FOR THESE SERVfCE$,

JPMorgan Chase Bank, N.A. and CUSA ~are permitted to require the use of an attorney, credit taperingagency, or real estate appraiser chosen tO represent the lender’s interest in the transaction.

ACKNOWLEDG.MENTThe undersigned has read this disclosu~ and understands that a referrat item one Chase afftiate toanother may resu|t tn a t~nanciat benefit to’J’PMorgan Chase Bank, N.A, andlor CUSA.

O A MIRP-~ JR, D~

~’3t29/05

G GI JORDAN ,

Applicant

Applcant

Applicant

~is Amen~ent (th~ "A~ndm~t"), da~ a~ of Nov~m~ 30, 20~,

~ B~ (the ’~Ba~k’O,

WHEREAS, the Bank is the holder of the Borrower’s Time Promissory Note dated as of May 28, 2004, in the originalprincipal amount of $3,000,000, as amended(the "Note"); and

WHEREAS, the Bank and the Borrower desire to amend the Note to extend the malaria/date.

NOW, TltgRFACORI~ in consideration of the premises herein coatained, and for other good and valuableconsideration, receipt of which is ackaow!edged, it is hereby agreed as follows:

Section 1, l)efi¢itlons, Terms used but not otherwise defined herein shall have the respective meanings ascribed tosuch terms in the Note.

Section 2. Amendment The reference in the first paragraph of the Note to "Novvmber 30, 2004" is superseded andreplaced in its entirety, and amended to read "January 3I,

Section 3. Representations. The Borrower hereby represents and warrants to the Bank: (i) that the covenants,representations and warranties set forth in the Facility Documents are true and correct on and as of" the date hereof as ifmade on and as of said date mad as if each reference therein to the Note were a reference to the Note as amended by thisAmendment; (ii) that no defau}t spacffied in the Facility Documents and no event which, with the giving of noticm or hpse oftime or both, would become such a default has occurred and is continuing; and (iii) that sinc~ the date of the FacilityDocuments, there has been no material adverse change in the financial condition of the Borrower which has not beendisclosed to Bank.

Section 4. CondRi0ns~ The amendment set forth in Section 2 above shall become effective on the date first abovewritten provided that the Bank shall have received, in form and substance satisfactory to the Bank, a duly exemuted anddelivsrocl �oun~rFatl of hhis Amendment.

Section 5. Confirmation. To induce the Bank to enter into this Amendment, the Borrower hereby (i) ratifies andconfirms the Facility Documents to the Bank, (ii) confirms that the Facility Documents extend to the Note as amended bythisAmendment, and (iii) confirms that the Facility Documents continue in full force and effect with rCSptCt to *,he Borrower.

Section 6. ~ Except as expressly prov4ded in this Amendment, the Note shall remain unchang¢d and infull force and affect except that each rmecrence therein to the Note shall be deemed to refer to such note as amended hereby,This Amendment (i) sha[t be deemed to be e-ffeetive on and as of [he date firs~ above written, (ii) shall lm governed by andconstrued in accordance with the !a~vs of the State of New York, and (iii) may be executed in counterparts, which Lak~ntogether shall constitute one and the same instrument and any of the parties hereto may execute this Amendment by signingany such counteract. Shouid any terms or provisions of the Note conflict with the terms and provisions contained in thisAm~mdment. the terms and provisions of this Amendment shall prevail.

EN WrFNESS WHEREOF, the parties hereto, by their officers thereunto duly authorized, have executed this Amendment asof the day am! ye~ first above written.

[THE REIv~.]aqDER OF TrdI~ PAGE tS L’qTENTfONALLY LEFT BLANK.]

400837:vl

J~PMORGA~N CHASE BANK, N~s.(formerly known as JP~|ORGAN CHASE BANK)

Amanda S, ElliottVice President

400837:vl 2

$PMORGAN CHASE BANK,(forme~’IS, known as ,WMORGAN CHASE BANK)

Amanda

4,00837:vl

: llll IIII I I I I I’ I r I