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registry of deeds book 2766 pages 1154-62 |
BY-LAWS OF
MOODY POINT CONDOMINIUM ASSOCIATION,
INC.
ARTICLE I -
Articles of Agreement
The name of the corporation, the objects for which it
is established, and the nature of the business to be transacted by it, and the location of its principal place and other places of
business shall be as set forth in
the Articles of Agreement,
as from time to time
amended. The powers of
the Corporation and its Directors and members, and all matters concerning the conduct
and regulation of the business of the Corporation shall be subject to such provisions in regard thereto, if any,
as are set forth in such Articles of
Association, and such Articles of Association are hereby made
a part of these By-Laws.
ARTICLE II -
Membership
Section 1.
By-Laws Applicability
All
present and future
owners of condominiums within the project designated Moody Point Condominium
and as shown on a plan entitled "Final Site Plan, Moody Point", Owner: Moody Point
Company, Newmarket, NH, Revised August 1985
by Frederick E.
Drew Associates of record in
the Rockingham County Registry of Deeds are
required to be members of the association and
are subject to the regulations set forth in these By-Laws.
Section
2. Personal Applicability
The acceptance
of a deed or contract for any such condominium unit will signify that these
By-Laws are accepted, ratified, and that there will be compliance with
their terms and conditions.
By the
acceptance of said deed or contract hereinabove set forth, all members
of this Association are also
required to become and agree to become
members of the Moody Point Community
Association, which membership and
the obligations incident thereto are separate and distinct from the
membership and the obligations with respect to this Association.
Section
3. Voting
Each
member hereunder shall
be entitled to one (1) vote
for each condominium unit owned.
If units are in multiple ownership, the owners shall designate in
writing to the Secretary of this Association the name
of the person authorized to cast
the vote for that unit.
ARTICLE III
- Board of Directors
The affairs of
the Association shall be conducted by a board
consisting of seven (7) Directors.
Section
1. Election
At each annual meeting, subject to the provisions
of subparagraph 2 hereof, the Owners
shall elect a Board of Directors for the forthcoming year; provided, however,
the first Board of Directors elected hereunder
may be elected at a
special meeting duly called, said Board
of Directors to serve until the first
annual meeting held thereafter. At
least 30 days prior to any annual meeting,
the Board of Directors shall elect a Nominating Committee of not
less than three (3) owners, and such committee shall recommend to the annual
meeting one (1) nominee for each position on the Board of Directors to
be filled at that particular annual
meeting. Nominations for the Board
of Directors may also be made from the floor at the annual meeting.
Section
2. Term
Members
of the Board of Directors shall
serve for a term of three (3) years;
provided that three (3) of the
seven (7) of the first
Board of Directors shall be
elected to serve for a one-year term, two (2) members shall serve for a
two-year term, and the remaining two {2) members shall serve for a three-year
term.
Section
3. Resignation and Removal
Any
member of the Board of Directors
may resign at any time by giving written notice to the President, and
any member maybe removed from membership on
the Board of Directors by an affirmative vote of 2/3 of the Owners
present at a meeting duly called for that purpose. Whenever there
shall occur a vacancy
on the Board of Directors due to death,
resignation, removal or any
other cause, the remaining Directors shall elect a successor Director to serve
until the next annual meeting of the Association, at which time said
vacancy shall be filled for the unexpired term.
Section
4. Power and Authority of Board of
Directors
The Board of
Directors, for the benefit of
the condominiums and the owners, shall enforce the provisions
hereof, and shall acquire and pay for out of the common expense fund
hereinafter provided for the following:
A. Water,
sewer, garbage collection, snow removal, electrical, telephone and gas and other necessary utility service for
the common areas (and to the extent not
separately metered or charged to the units).
B. A policy or
policies of fire insurance as the same are more fully set forth in Article VIII
of the Declaration, with extended
coverage endorsement, for the full
insurable replacement value of the units and the common areas, payable as
provided in Article VII of said Declaration, or such other fire and casualty
insurance as the Board of
Directors shall determine
gives substantially equal or greater protection to the Owners and
their mortgagees, as their respective
interests may appear, which said policy
or policies shall provide for a
separate loss payable endorsement in favor of the mortgagee or mortgagees of each condominium) if any.
C. A policy
or policies as the same are more
fully set forth herein insuring the of Board of
Directors, the Owners, and the manager against any liability to the public or to the owners (of units and
of the common areas, and their
invitees or tenants) incident to the ownership and/or use of
the condominium, and including
the personal liability exposure of
the owners, incident to
the ownership and/or use of the
condominium and including the personal
liability exposure of the owners,
incident to the ownership and/or
use of the project. Limits of liability under such insurance
shall not be less than Three Hundred Thousand ($300,000) Dollars
for any one (1) person injured for any one (1) accident, and shall not be less than
One Hundred Thousand ($100,000) Dollars for property damage each
occurrence (such limits and
coverage to be reviewed at least
annually by the Board of Directors and
increased in its discretion). Said policy or policies shall be issued
on a comprehensive liability
basis, and shall provide cross
liability endorsement wherein the rights of named insured under the policy
or policies shall not be prejudiced
as respects his,
her, or their action against
another named insured.
D. Workmen's Compensation Insurance, to the extent necessary to comply with any
applicable laws.
E. The services of a person or firm to manage
its affairs (herein called "the Manager") to the extent deemed advisable by the Board of Directors
as well as such
other personnel or property as the Board of Directors shall determine shall be necessary for the operation of the common areas,
whether such personnel are
employed directly by the Board
of Directors or
are furnished by the Manager.
F. Legal and
accounting services necessary or proper in the operation of the common
areas or of the enforcement or defense of the provisions of
the Declaration and/or these By-Laws.
G. Painting, maintenance, repair and all landscaping
of the common areas, specifically
including maintenance and
repairs with respect to the parking areas as designated within the condominium Declaration, and such furnishings and equipment for the common areas as the Board
of Directors shall determine are
necessary and proper, and the Board of
Directors shall have the exclusive right and duty to acquire the same for the
common areas; provided, however,
that the interior surfaces and the
wallboard of each unit shall be
painted, maintained and repaired
by the owner thereof, all such
maintenance to be at the sole cost and
expense of the owner.
H. The
maintenance, repair, replacement and
use of the sewer system to
the extent that same is located
outside of the units and not
operated and maintained by the Town of Newmarket and the water
system to the extent that same
is located outside of the units
and not operated and maintained by
the private water company that owns portions of same.
I. Any
other materials, supplies, labor, services, maintenance, repairs, structural
alterations, insurance, taxes,
or assessments which the Board of Directors is required to secure or pay for pursuant to the
terms of the Declaration or By-Laws, or which, in its
opinion, shall be necessary or proper for
the operation of
the common areas or
for the enforcement
of the Declaration, provided
that if such materials, supplies,
labor, services, maintenance,
repairs, structural alterations, insurance, taxes, or assessments are provided
for particular units, the cost
thereof shall be
specially assessed to the owner of such unit or units.
J. Maintenance
and repair of any unit, if such
maintenance or repair is reasonably
necessary in the discretion of the Board of Directors, to protect the common areas or preserve the
appearance and/or value of the
project, and the owner
or owners of said unit have failed or refused to
perform said maintenance or repair
within a reasonable time after written notice
of the necessity of said maintenance or repair delivered by
the Board of Directors shall levy a
special assessment against the unit of such owner or owners for the cost of said maintenance or repair.
K. The Board
of Directors shall have the exclusive right to contract for all goods,
services and insurance, payment
for which is to be made from the common expense fund.
L. To
assist the Board in the orderly conduct of
the Association's business
and proper enforcement of its
Declaration and By-Laws, the
Board shall appoint the following committees:
(1) Architectural Review Committee. This committee shall consist of three (3)
members appointed by the Board of Directors, and it shall review all
proposed plans and/or
requests for additions,
alterations and/or new construction, including those pertaining to the common areas, the condominium
buildings, and any other appurtenances
relative to same. No walls, fences, pools, terraces, court yards,
and/or gardens may be constructed or altered without first having submitted a written request and
receiving approval from this
committee. Refusal of approval may be
based upon any grounds, including purely aesthetic considerations. Appeal from any such decision may be made to
the Board of Directors. This committee shall set up such guidelines as
it deems necessary and
appropriate, and shall be responsible
for notifying all unit owners of said
guidelines.
(2) Budget Committee. This committee shall consist of three (3) members
appointed by the Board of
Directors, and shall be responsible
for drafting the proposed
annual budget for the Association, reviewing
all proposed expenses, and making recommendations to the Board of
Directors with respect to fixing the
assessments and the method of collecting same
so that the Association can best
operate in an efficient and orderly manner.
It shall be the responsibility of the Budget Committee,
or the Board of Directors should there be no committee appointed,
to provide for an adequate reserve fund in the initial and any future
budgets. Said assessments should be set
to include an amount for said reserve fund.
Section
5. Meeting of the Board of Directors
Three (3) members of the
Board of Directors shall constitute a quorum; and, if a quorum is present, the
decision of a majority of those present shall be the act of the Board of
Directors. The Board of Directors shall annually elect all of the officers of
the Association as set forth in Paragraph V
of these By-Laws, such officers
to be elected from among the members of the Board of Directors. The meeting
for the election of officers shall be held
at a meeting of
the Board of Directors to be
called immediately following
the annual meeting of the
association of owners. Other meetings
of the Board of Directors may be
called, held, and
conducted in accordance
with such regulations as the
Board of Directors may adopt. The
Board of Directors may also act without a meeting by unanimous written consent
of its members.
Section
6. Developer Powers and Functions
Until 75% of
the units have been sold, or three (3)
years from the date of recordation of the condominium Declaration;
whichever is sooner,
the rights, duties and functions of the Board of Directors shall, at the
option of the Declarant, Walter W. Cheney,
Inc. be exercised by said
Declarant. The Declarant shall have the option at any time within the
time period set forth above to
turn over to the Association the responsibility of electing all of the members of the Board of Directors.
ARTICLE IV -
Meetings
The presence at any
meeting of the association of owners of 25% of owners in response to notice to
all owners of record given in
accordance with Article IV 2 of these By-Laws shall constitute a quorum. Unless otherwise expressly provided
in the Declaration, any action may be taken at any meeting
of the association upon the affirmative
vote of a majority of the owners present
and voting, provided that a quorum is present as provided for above.
Section
1. Annual Meeting
There shall be
a meeting of the association during the month of October of each year
at Cushing Road, Newmarket, New
Hampshire, or such
other reasonable place or time (not
more than 60 days before or after such date) as may be designated by written notice of the Board of Directors, delivered
to the owners not less than twenty-one (21) days prior to the date fixed
for said meeting. At the
annual meeting, the Board of
Directors shall present
a statement of the common expenses, itemizing receipts and disbursements
for the preceding fiscal year, and the estimated common expenses for the coming
year with the allocation thereof to each owner. Unless changed by vote of the Association at such annual
meeting, or at some subsequent
duly called meeting of the Association,
the assessment presented by the Board of Directors and determined pursuant to
Article VI of these By-Laws shall be the assessment for the fiscal year, subject to the provisions for additional assessment by the Board of Directors pursuant to
Article VI, Section 1.A. of these
By-Laws. The fiscal year is hereby
designated to be August 1 through July 31.
Within ten (10) day after the annual meeting, said statement shall be
delivered to the owners not present at said meeting.
Section
2. Special Meetings
Special
meetings of the association may
be called at any time for the purpose of considering matters which, by
the terms of the Declaration, require the
approval of all or some of the owners, or
for any other
reasonable purpose. Said meetings
shall be called by written not ice,
signed by a majority of the Board of Directors or by the owners having
one-third (1/3) of the total votes delivered not less than fifteen (15) days
prior to the date fixed for said meeting.
Said notices shall specify the date,
time and place of the meeting, and the matters to be considered thereat.
ARTICLE V -
Officers
The officers of the association shall be a
President, Vice President, Secretary and
Treasurer. The offices of Secretary and Treasurer
may be combined as
one (1) office. All officers
after the Developer shall have relinquished its power to exercise the rights, duties and
functions of the Board of Directors
pursuant to Article III of these By-Laws, shall be owners of the condominium
units in the project. Officers shall be
annually elected by, and may be removed and replaced by, the Board of
Directors. Any officers or other
individuals responsible for any association funds shall be subject to
Fidelity bond coverage in a
minimum amount equal to
three (3) months assessments on all units, plus any
reserve funds.
Section
1. President
The President shall preside at all meetings of the association and of
the Board of Directors, and may exercise the powers ordinarily
allocable to the presiding officer of
an association, including the
appointment of committees not appointed
by the Board of Directors.
Section
2. Vice President
The Vice President shall perform the functions of the
President in the absence or inability
of the President.
Section
3. Secretary
The Secretary
shall keep minutes of all proceedings
of the
Board of Directors and of the meetings of the association, and shall keep such books and
records as may
be necessary and appropriate for
the records of
the association and its Board of Directors.
Section
4. Treasurer
The Treasurer
shall be responsible for the fiscal affairs
of the association, but
may delegate the
daily handling of income and
expense payments to the authorized manager of the condominiums.
ARTICLE VI -
Common Expenses
Section
1. ASSESSMENTS
A. Within
thirty (30) days prior to the Annual Meeting, the Board
of Directors, acting in conjunction with the Budget Committee, shall
estimate the net charges to
be paid during the following year
(including a reasonable provision for working capital, contingencies and replacements, and less any expected income
and any surplus from the prior
year's operation). Said estimated cash requirement shall be
assessed to the owners pursuant to the percentages set forth in the Declaration.
The declarant shall be responsible for assessments against all unsold
units from the date of the recording of the declaration at the registry of
deeds, whether or not said units are
completed or started. Provided,
however, that the share of the
common expenses and common profits
attributable to any unit declared to have been untenantable for over 60
days because of damage due to casualty or fire by
the Board of Directors of the Association of Unit Owners, shall be
abated until said untenantable unit is determined to be tenantable by the Board of
Directors. During such periods of abatement, the share of the common expenses and common profits attributable to such unit or units shall be
prorated and borne among the remaining completed units in the shares
which their shares in the common areas bear to each other. In the event of foreclosures by an institutional mortgagee holding a mortgage constituting a first lien
on a unit within the condominium, said mortgagee shall be
exempt from payment of any assessment due prior to foreclosure. Said delinquent assessments may be
reallocated as a common expense payable
by all unit owners.
If said sum estimated proves inadequate for any
reason, including non-payment of any owner’s assessment, the
Board of Directors may at any time levy a further assessment, which shall be
assessed to the owners in like proportions, unless otherwise provided
herein. Each owner shall be obligated to pay assessments made pursuant to this
paragraph to the Board of Directors in equal monthly installments on or before
the first day of each month during such year or in such other reasonable manner
as the Board of Directors shall designate
B. The rights,
duties and functions of the Board of Directors set forth in this
paragraph shall be exercised by the Declarant for the period ending thirty (30) days after the election
of the first Board of Directors hereunder.
C. The
omission by the Board of Directors before the expiration of any year, to fix the assessments hereunder
for that or the next year, shall not be deemed
a waiver or modification in any respect of the
provisions of the Declaration or a release
of the owner from the
obligation to pay
the assessments or any
installment thereof for that or any subsequent
year, but the assessment
fixed for the preceding year shall continue
until a new assessment is fixed. Amendments to this paragraph shall be
effective only upon unanimous written
consent of the owners and their mortgagees.
No owner may exempt
himself from liability for his
contribution towards the common expenses by waiver of the use or enjoyment of any of the common areas or by abandonment of his unit.
D. The
manager or Board of Directors shall keep detailed, accurate records in chronological order of
the receipts and expenditures affecting
the common areas, specifying and
itemizing the maintenance and repair expenses of the common areas, and any other expenses incurred. Records
and vouchers authorizing the
payments involved (and all current documents and financial
statements) shall be
available for examination by
any owner and/or institutional mortgagee holding mortgages constituting
first liens on units within the condominium upon request
and during normal business hours.
Section 2. Default in Payment of Assessments
Each monthly
assessment and each special assessment shall be separate, distinct, and
personal debts and obligations of the owner against whom
the same are assessed at the time the assessment is made, and shall be
collectible as such. Suit to recover a
money judgment for unpaid common expenses shall be maintainable without
foreclosing or waiving the lien securing the same. Each assessment not paid when due shall accrue a late charge in
the amount of $15. Ten (10) days after
the due date, unit owners will be notified in writing by certified mail of the
delinquency, at which time an additional fee of $25 will be assessed against
said account. Thirty (30) days after
the due date, a lien will be placed against the unit. Thereafter, interest at the rate of 18% per annum shall be assessed. The amount of the assessment,
whether regular or special, assessed
to the owner of any condominium,
plus fees as herein set forth, and
costs including reasonable attorneys' fees, shall become a lien upon such condominium upon recordation of a
notice of assessment by the Board of
Directors. The said lien for nonpayment of common
expenses shall have priority over all other liens and encumbrances,
recorded or unrecorded, except:
(1) Tax and special
assessment liens on the unit in favor of any assessing body and special district and
(2) All sums unpaid on a first mortgage of record on the unit.
All or any of the above
late fees may, in the discretion of the Board of Directors, be waived for good
cause shown.
A certificate
executed and acknowledged by a majority of the Board of Directors stating the indebtedness secured by the lien
upon any condominium created
hereunder shall be conclusive upon the Board of
Directors and the owners as to the
amount of such indebtedness on the date of the
certificate, in favor of all persons who rely thereon in good
faith, and such certificate shall be furnished to
any owner or
any encumbrancer or
prospective encumbrancer of a
condominium upon request at a reasonable fee not to exceed $10. Unless the request for a certificate of
indebtedness shall be complied with,
within ten (10) days, all unpaid common expenses which become due prior
to the
date of the making of such request shall be subordinate to the
lien held by the person making the request; or, in the case of a
purchaser, such purchaser shall
take title free and clear of such
lien. Any encumbrancer holding a
lien on a condominium may pay any unpaid common expenses
payable with respect to such
condominium, and upon such payment, such
encumbrancer shall have a lien on such condominium for the amounts paid
of the same rank as the lien of his encumbrance.
Upon payment of a
delinquent assessment concerning which such certificate has been so
recorded, or other satisfaction
thereof, the Board of Directors shall cause
to be recorded in the same
manner as the
certificate of indebtedness a
further certificate stating the satisfaction and the release of the lien
thereof. Such lien for nonpayment of
assessment may be enforced by sale by
the Board of
Directors or by a bank or
trust company or
title insurance company authorized
by the Board of Directors,
such sale to
be conducted in accordance with the provisions of law applicable to
the exercise of powers
of sale or foreclosure in deed
of trust or mortgages or in
any manner permitted by law. In
any foreclosure sale, the owner shall be required to pay the costs and
expenses of such proceedings and reasonable
attorneys' fees.
ARTICLE VII
- Audit
Any owner and/or
institutional mortgagees holding mortgages
constituting first liens on units within the condominium may at any
time, at his or its own expense,
cause an audit or inspection to
be made of the books and records of the manager or Board of Directors. The Board of Directors, at its discretion
and as
a common expense,
may obtain an audit of all books
and records pertaining to the
condominium and furnish copies thereof to the owners.
ARTICLE VIII
- Restrictions and Requirements
These restrictions and
requirements regarding the use and maintenance
of the units and
common areas and facilities are
in keeping with and/or
in addition to those imposed by the Declaration, and are as follows:
A. Each unit owner shall be required to clean, repair and replace all glass, outside lights,
outside water and electrical outlets,
and all doors appurtenant to his unit,
although such glass, outside
lights, outside water and electrical
outlets and doors may be common areas.
B. Each unit owner shall have the right, at his own expense, to paint and repaint, tile,
wax, paper, or otherwise
refinish and decorate the inner surfaces of the walls, floors, ceilings and
doors bounding his unit.
C. Each unit owner shall
immediately notify the Board of Directors, or a member thereof, of any damage to or malfunction of any
pipe, wire, or other utility installation which is a common area within his
unit.
D. Each unit owner shall, at his own expense, keep
the limited common areas appurtenant to his unit in a clean and sanitary
condition. All rubbish and trash
shall be deposited in an area dumpster to be
provided by the association.
E. No unit
owner shall, without first
applying to and obtaining the written
consent of the Architectural Review Committee, make or permit to be
made any structural alteration in or to
his unit or in or to any part of the
building housing his unit or to the
common areas. Nor shall any unit owner take
any action, or permit any action to be taken, that
will impair the structural soundness or integrity or
safety of any building or other structure in
the condominium development, without first applying
to and obtaining written consent of said committee.
F. No unit owner shall paint or decorate any
portion of the exterior of any building
or other structure in the condominium development or any common area or limited common area
therein, without first applying to
and obtaining the written consent of
the Architectural Review Committee.
G. No unit-owner shall
post, or allow to be posted, any
advertisements, signs, notices or
posters of any kind in or on any part of the condominium property
other than on a bulletin board provided by the association for that purpose.
H. All pets, whenever they
are outside of its owner's unit, shall be on a
leash or otherwise suitably restrained. No pets shall be allowed by their owners to
become a nuisance or otherwise interfere with any other owner's peaceful enjoyment of his unit and/or the common areas.
Complaints with respect to
pet problems shall be directed to the Board of Directors which shall notify the owner of this
violation. If this problem is not
corrected to the Board's satisfaction, the Board shall have the
right to proceed with having said pet removed from the
premises.
In addition thereto, all pet owners shall be required to register their pet with the
Board of Directors, and shall also be
required to pay a special annual assessment
of $50, said sum to be used
specifically for payment of
damages caused by unidentified pets. There shall be a maximum of two
(2) household pets per
unit, unless special exception is
applied for and granted by the Board of Directors. The initial annual assessment shall be paid for at transfer of
ownership of said unit. Annual
assessment billing for pet owners shall be determined by the Board of Directors
as to date of billing, due date, and any late fees which may accrue.
I.
No person shall cause
or permit anyone else to do
anything which would interfere with the rights, comforts,
convenience of other persons or
which would injure or damage any part of the condominium.
J. The
association shall have the irrevocable right to be reasonably exercised by the Board of Directors or its
agents, to enter any unit when necessary in connection with
any repair, maintenance, landscaping or
construction for which the Board of
Directors is responsible, and shall
have the irrevocable right, to be reasonably exercised by the Board of
Directors or its agents, to
enter any unit for purpose of making emergency
repairs necessary to prevent damage to other parts of the condominium
development. Such entry shall be
made with as little inconvenience to
the unit owner as practicable, and
any damage caused
thereby, or expenses
in connection therewith, shall
be repaired or satisfied by the Board of Directors out of the common expense
fund.
K. No window-mounted air conditioning units
shall be allowed.
L. Each unit owner shall be responsible within ten (10)
days after occupancy to properly
dress all windows and glass door units with
draperies, curtains, or other
acceptable window coverings such as shades and blinds. Blankets,
sheets, and material remnants will not be acceptable.
M. There
shall be no
discharging of firearms
within any of
the condominium areas, specifically including, but not limited to, all
common areas.
N. No
vehicles shall be used on any common areas, except as means of ingress
or egress on roadways only. Provided,
further, that no off road recreational vehicles, specifically including without limiting, snow
machines three-wheeled vehicles,
so-called dirt and mini-bikes,
or other recreational vehicles, shall be driven on said roadways or on
any of the common areas.
O. The units
shall be heated with the heating system provided with the unit.
No other wood, coal, gas, kerosene or other combustible
supplemental heating system or equipment shall be allowed.
P. The
association shall comply with
and be responsible for enforcing
all reservations, covenants,
and restrictions placed upon the
condominium property by the Declarant.
ARTICLE IX -
Amendments
These
By-Laws, except as otherwise provided
herein, may be amended by a vote of 2/3 of the unit owners and consent of 51%
of institutional mortgagees holding
mortgages constituting first liens on units within the
condominium. Such amendment shall
be effective upon the recording in the office of the Registry of Deeds
of Strafford County, State of New Hampshire,
an instrument of amendment in writing, acknowledged and recorded as
provided by New Hampshire RSA 356-B, subject to the
following:
A. Notice
of the subject matter of a proposed
amendment shall be included in the notice of any meeting at
which the proposed amendment is to be considered.
B. No
amendment shall change any unit or share of the
common areas appurtenant to such unit, or increase an owner's share in the common areas, except such rights as are otherwise
reserved to the Declarant under the option to
expand or the rights relative to
the convertible land, unless
all the record owners of the
units, whether the same be built or
unbuilt, and all the record owners of mortgages thereon, shall join in the execution of the amendment; however, anyone dealing with the association
or attempting to establish title to a particular unit, in the absence of actual knowledge or
discrimination on the part of the
association, may conclusively rely upon
the validity and legality of any amendment of these By-Laws recorded in
the Rockingham County Registry
of Deeds if said amendment is
signed, acknowledged, and recorded in compliance with RSA 356-B.
The foregoing were adopted as the By-Laws of the
Moody Point Condominium Association,
Inc., a voluntary corporation organized under the
laws of the State of New Hampshire, at
the first meeting of the Board of Directors held on (October 27)_____1988
APPROVED
(L/S) _(Diane M. Langlois)_______ (L/S) (June M. Barry)_______________
President Secretary Pro Tempore