AGREEMENT FOR DEED. Articles of Agreement Made this day of A.D. 2016, between Seller, ( Seller ) and Buyers, ( Buyers ).

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1 Prepared by and after Recording return to: Joseph M. Kosteck Law Office of Joseph M. Kosteck Ltd W. Lincoln Hwy Frankfort, IL AGREEMENT FOR DEED Articles of Agreement Made this day of A.D. 2016, between Seller, ( Seller ) and Buyers, ( Buyers ). WITNESSETH, that if Buyers shall first make the payments and perform the covenants hereinafter mentioned on Buyers part to be made and performed, Seller covenants and agrees to convey to Buyers in fee simple, clear of all encumbrances, whatever, except as hereinafter provided, by a Warranty Deed, the real estate and improvements, thereon, situated in the State of Illinois, City of known and described as: Legal Description: PIN: Commonly known as: A. Buyers covenant and agree to pay to Seller at, or at such other place or places as Seller or successors in title may from time to time in writing appoint, as the purchase price therefore the sum of EIGHTY FIVE THOUSAND AND NO/100 DOLLARS ($85,000.00) in the manner following: 1. $4, as the initial down payment payable at the first closing; 2. $559 per month in interest payments paid monthly on the first day of each month for five (5) years beginning March 1, 2016 and ending March 31, Payments made to Seller should be received by the first of each

2 month and sent to, IL The remaining principal balance of $81,000 shall be due on or before March 31, There is no prepayment penalty. Buyer can repay the entire loan at any time before March 31, 2021 to stop the accrual of interest on the loan. 4. At the initial closing, concurrently with the execution of this Agreement, Buyers and Seller agree to deposit with Three Rivers Title Company a fully executed and notarized recordable general Warranty Deed from Seller to Buyers, a Quit Claim Deed from Buyers to Seller, and any other necessary transfer documents including an Affidavit and Bill of Sale. Buyers shall be liable to pay, when due, all utilities, insurance, real estate property taxes, special assessments (if any), and association dues. Currently, the real estate property taxes are approximately $2, per year and the Association dues, billed monthly, are $140. Buyers shall be responsible for all current or pending real estate taxes and Association fees. Buyers agree to forward to Seller, at the address provided herein in Paragraph 3, proof of prompt payment of all utilities, property taxes, special assessments, and association dues. In case Buyers fail or neglect to pay said utilities, insurance, taxes, or assessments when due, Seller may pay the same and any amount or amounts so paid together with interest thereon at ten percent (10%) per centum per annum which shall be added to the principal purchase price. Buyers shall be liable and responsible for the payment of all utility fees, insurance expenses, costs, disposal, association dues, and special assessments, if any. Buyers, at closing, shall provide proof of homeowner s insurance paid for one year with Seller listed as additional insured. Thereafter, on the anniversary of this Agreement, Buyers shall present to Seller proof of homeowner s insurance. B. Seller agrees to pay when due all interest on existing or subsequent mortgages of until deed hereunder is given. C. Seller agrees to deliver possession of the said premises to Buyers upon payment of the initial down payment and closing fees minus any earnest money that has been received at the initial closing to be held on or before March 1, 2016 at the D. Seller has provided Buyers with evidence of merchantable title in Seller, and shall not be required to pay for showing matters appearing of record caused other than by acts of Seller or Seller's predecessor or successor in intersect. Seller will not be responsible for any further title work or cost. E. Seller and assigns reserve and shall have at all times the right to sell, convey, assign, and dispose of title to said premises and all or any interest in this agreement without consent from or notice to Buyers or assigns and Buyers and assigns agree to accept deed

3 hereunder from Seller or any subsequent assignee and owner of title of record. F. In case of failure of Buyers to make any of the payments, or any part thereof, or perform any covenants on Buyers part hereby made and entered into, this contract shall, at the option of Seller, be declared terminated (but not until Seller gives by U.S. mail or delivery to Buyers a written notice not less than thirty (30) days specifying therein the default or breach), and the Buyers shall forfeit all payments made on this contract, and such payments shall be retained by Seller and Seller may re-enter and take possession of the premises aforesaid, and a written notice of such forfeiture and re-entry served upon said Buyers, heirs, executors, administrators, or assigns by certified mail or in person, or recorded in the Recorder's office of said County, shall be sufficient evidence of such election, forfeiture and reentry, or Seller may have any and all further remedies available to Seller at law or in equity. Seller s Initials Buyer s Initials Buyer s Initials Buyer s Initials G. Time is of the essence of this Agreement. H. Buyers shall not permit to be done upon said premises anything out of which a mechanic's or other lien could arise or attach thereto, except with the previous written consent of Seller, and at the expense of Buyers and if this provision be breached Seller shall have the rights and options set forth in the Paragraph F above. Further, Buyers shall not begin construction of any improvements thereon until such time as he has fully satisfied this Agreement for Deed, by payment of the outstanding balance and interest, if any. I. Buyers herewith assigns to Seller all of the rents, issues, and profits now due or which may hereafter become due for the use of said premises, as additional security for the payment of the purchase price hereunder, in the event of default hereunder. J. In the event that either party should find it necessary to retain an attorney for the enforcement of any of the provisions hereunder occasioned by the fault of the other party, the prevailing party shall be entitled to recover for reasonable attorney s fees and court costs incurred whether said attorney s fees are incurred for the purpose of negotiation, trial, appellate, or other legal services. K. Unearned insurance premiums, taxes, assessments, and rents shall be pro-rated as of date of possession and adjustments therefore made. L. The covenants and agreements herein contained shall extend to and be obligatory upon the heirs, executors, administrators, successors, and assigns of the respective parties.

4 M. Seller hereby warrants to Buyers that no notice from any city, village, or other governmental authority of a dwelling code violation which existed before this Agreement was executed has been received by the owner or his agent respecting the dwelling structures thereon. N. The singular shall include the plural where appropriate and the masculine shall include both feminine and neuter. O. Should the balance of the purchase price plus costs, fees, and expenses, not be paid, in full, on or before March 31, 2021, and no extension to this Agreement for Deed having been executed by Buyers and Seller at agreed upon terms, Buyers realize that they shall forfeit all payments made pursuant to this Agreement and Seller shall have the right, as described in Paragraph F, to re-enter the property and to reclaim possession and ownership of said property. Seller s Initials Buyer s Initials Buyer s Initials Buyer s Initials P. At the time of final payment, the party designated by statute or ordinance shall pay all state, county, and municipal transfer taxes. Q. This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois. The obligations under the terms of the Agreement are performable in Cook County, Illinois, and any and all payments under the terms of the Agreement are to be made in Cook County, Illinois. Any dispute involving this Agreement shall be resolved with venue established in Cook County, Illinois. IN WITNESS WHEREOF, The parties hereto have hereunder set their hands and seals, the day and year first above written. Buyers: Seller:SARANAP HILLS ASSOCIATES LLC Buyers: Buyers:

5 STATE OF ILLINOIS ) ) SS COUNTY OF COOK ) I,, a Notary Public in and for the County and State aforesaid, do hereby certify that, personally known to me to be the same person whose name is subscribed to the foregoing instrument, appeared before me this day in person and acknowledged that they signed and delivered the said instrument as their own free and voluntary acts, for the uses and purposes therein set forth. Given Under My Hand and Notarial Seal this day of, 20. Notary Public: My Commission expires: STATE OF ILLINOIS ) ) SS COUNTY OF COOK ) I, the undersigned, a Notary Public in and for said County, in the State aforesaid, DO HEREBY CERTIFY that. is personally known to me to be the same person whose name is subscribed to the foregoing instrument as his free and voluntary act, for the uses and purposes therein set forth. Given Under My Hand and Notarial Seal this day of, 20.

6 Notary Public: My Commission expires: ASSIGNMENT For and in consideration of TEN and NO/100 DOLLARS ($10.00) and for other good and valuable considerations the receipt of which is hereby acknowledged the undersigned does hereby assign, transfer, and set over and quit claim unto all of the undersigned's right, title and interest in and to the above contract and the premises therein described, including all of the undersigned's rights therein by virtue of the Homestead Exemption Laws of the State of Illinois, and direct the insurance and delivery of deed hereunder to said assignee(s). Dated this day of, 20. (seal) (seal) STATE OF ILLINOIS ) ) SS COUNTY OF COOK ) I, the undersigned, a notary Public in and for said County, in the State aforesaid, DO HEREBY CERTIFY that is personally known to me to be the same person whose name is subscribed to the foregoing instrument as his/her/their free and voluntary act, for the uses and purposes therein set forth, including the release and waiver of the right of homestead. 20. Given Under My Hand and Notarial Seal this day of, Notary Public: My Commission expires:

7

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