Loading...
HomeMy WebLinkAbout07-16634 SHAPIRO & KREISMAN, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 01 - /1,. 0 1 U 't COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. t NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 A, NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07, /663 eta -rt..- COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Ocwen Mortgage Asset Trust I, the address of which is, 12650 Ingenuity Drive Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Delta Funding Corporation Mortgagor(s): Donald G. Alexander and Anne M. Alexander (b) Date of Mortgage: July 2, 1998 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1466 Page 796 Date: July 9, 1998 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Delta Funding Corporation Assignee: Ocwen Loan Servicing LLC Date of Assignment: January 11, 2006 Recording Date: August 18, 2006 Book: 729 Page: 3290 Assignor: Ocwen Loan Servicing LLC Assignee: Ocwen Mortgage Asset Trust I Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 91 Arnold Aoad, Enola, Pa 17025 and is more specifically described as attached as part of Exhibit 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." The name and mailing address of each Defendant is: Donald G. Alexander, 91 Arnold Road, Enola, PA 17025; Anne M. Alexander, 91 Arnold Road, Enola, PA 17025 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of November 2, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of March 17, 2007. Principal of Mortgage debt due and unpaid $63,489.47 Interest currently due and owing at 10.25% per annum calculated from October 2, 2006 at $17.83 each day $2,977.61 Late Charge of $30.04 per month assessed on the 16th of each month from November 17, 2006 to March 17, 2007, (5 Months) $150.20 Appraisal Fees $111.00 NSF Check Fee $60.00 Title Search/Report Fees $250.00 Attorneys TOTAL ' Fees and Costs $3,174.47 $70,212.75 9. Interest accrues at a per diem rate of 17.83 each day after March 17, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. Date:AL69-Lol S & K File No. 07-28894 SHAPIRO & KREISMAN, LLC BY: Attorneys for Plaint' &,4. or«fo Comer '98 JUL 9 fl IO 3D ,bo,r..ar a.N - MOM?7? Mri 7'aR t,Tl'T H"M r: Two bo ree .? . !pc Ha: ws Arne Tllr for r6erw 37100IT149 Worms um oF1'BP1 XH TwS DWACS?T .r Inly ! t.?a (,?) .Scmdty Ir =Mcnt." This mosta?pe, which it a+as!s? Aril be aUCACL rha "Seew4ty I?beaae?art ' (s)"Bomwer(s).'• Mew residing twat ? pty "I' or "tae Wpb} be COW BOrtower, tad t?rrpp'74.da,. I)RLTA S MIKO COM ORATION will D MW OJYo= be t w "LvndeY" yr is a sddto u n1QDU Oda dR r ft WO O y B. 1791. dez's (N "Nate" The IZore tjgmd by 8ono,rer and dascd_3a will be called the "Nose.' ilrty The No% thous drat I Oft Lender=Esty savao ?heaaaat, litrtOo 125 ipvvmt. I have prntiscd to pay EMS debt p in vuwdt lY patnnc u wad to pay the deb tq full by -rho (fig) „per,,,,,, property this is dcaaibrhicb is loin m od the ae oNK tftW '" prior, of e Pr?C,? ti be aaall?eA due Pn? ?,?. (F) "$nras tocorcd: the antovatt descilb bats SBOIL n t'tad l ue 4d." TYenstar to Deader of ltigha in the Propesty .. T? P7t01!'BRTY TO ? DU o8' WATS IN ?b}ae so the tetsna EOltftOWgW3 M%W= P daxdbcd b&w W ljmdasr Sp?t Mwet to Loader those riots that ate i etortgage, 11 of thla 3d at MMO ill theta nom that lha law ghos to leaden Otto stated la this Seearit7 IMetama. I mid ? under there netts to Wow4l Insider tram . ihoW msttgsget en real prop tty poodbi lands that vhWit tx:idt If i tarp to: (A) Pay all the gM0W of $ ltaal8rmswtl6 La Ro AesK t in The Note, with intatcttr .a4 ail tam* G>d of this pa with interest, any amount: *A Lender sp al Ad ? m a to lot. ?) Protect the vohta of rho property 7 wad Tams w the 2ty' '' I (L) Kcdp all of lay other premittt tad agreement, wwar this SeatdZ7 Ysismtarent, and ate. olsegN[ ON or TH7<plopirry bciew t Ixmaet rights in lira Propctty detenbnd (n (A) tbrougit in (A) The property located st The legal description of the Ysopetty is mote tttpty dcacn'bed ,n the Schedule "A' ?E Desedptton ittaelsed hems aTW wade & put herew., detctibod ip M) All b' ldi and other ituprorcn,ena that wo located on the I lopetty ty paragraph r j of Tbis.sccpon: 10041466piM A Y 4 ? i a ? ? ? ? r '? (C NI btu olht? hh pfaWM ?e'rheao N&S M known as le te?ts? lights -and snl aagrto (A) appurtenanxs attachod to the rMpem" (0) NI rants or royaJdas from the Properly dmsctfbcd Is subparagraph (A) of tbb aetica; (Be) All mineral, oil and gas rights and profits, WSW tights and atoek that are part of the Propaty desmibed Is subparagraph (A) of am mcckm; hee Prrights operty desembed inn ssthe ubpt Velpph lies of in the h scetian or fords In toot of of mace to,, M (a the the dcwdw All Pht (A) aaanmd (5) of this oeetional it tdthbut not ppHmirryry od es, tel4 gieramrs, w3wed, drym, dishwashers, ew-ns, sk conditioniop units, ' CM All of the rights aad pM" deomMad in mbparageapht (B) tlemSh (0) of this secth thatl aquice in the futurel t . tls0 All p (Fn l of CMGM Of. or additiotls to, the Property dowelbed kt subparagrapbt (8) this t(}) AU of thi amanpts that f pay to Lender under Paragraph 2 belaW. + BOR]tOOBI?.ICATIOM Tot A tgm OWMEB9AII' OF TIffi PAQ>?'?'RTX ?'s Y pmatisv that A() I tawlhily aws the Pt(a?utty, (a) I have the riot to mortgage, Stunt and many the to Le PropaAY nder, and CJ there ergot no outxsa er claims or charges agalaat the Property. I give a yeaeral wasranry of title to Lendm This means that I WIN be lolly VAIM Mc for say loses which Londat sufferi busts wmeono other then myoelf has same of stir tight: in the AopoM wltEdh I promise rieac r have. L protaisa dot I writ dattead my owoersblp of the Ptopeny agalm any dsbnr of such rlgittm. nAA+t LANGUAGE Swim m UaTmY This Setarrity Itutttestt+at contains ua'darat prtanimse and agtaements that ate used in real prap"ey saeatity mgrmneao * over the COUWy. It eaotaitm nett nail oasu Pror"tdas an apmmemattrs that my to Hunted extent. In different pant of Cho t ounery. MY 0611 agrccmaats aro stated iN plain language." I promise and I agree with Lender as follows; 1. BORROW=,$ rROM MR TO PAY Y %IP pay to Under, on date, prihcipel and intetea due. under tba Note rigid any prcpaymehtt and Leto chotgas doe under the Wore. x. MOT+1TlII.'Y PAV16MTS"POR TA AS d "USANCB norrower-4 Obilaatlons I will Pay. to Lender all. amopU ticeesiry w' 7 for taxes. tutlessmmis, laamoboid payments or gromad rents (i1 any), and Witd lbsnrauee. c" On the pt0ppcpnSy and marcr?aoo tnsutance Crf an?) I w91 pay those atewtuhr to trades wag" Lender ?e11s me. In wrltha9, that I do not thessame d abut mu t? lax ? of-ofe d intt? c duc y y hmaakvty PSYm P nde under on Note. 94146SP4 797 +w,n Bach Of my ptytneM under this Paragraph 2 still be the sum of tha followinr. (i) Ooo-trretllth of the fadaieted yaady taxes and Ssxt mote on the Ftoperty which under tits hew utay be suporlo7 to this Seeuriy I?atsrsatttt? plus (ti) One-twelfth of the eatimated yearly inschoid payments or around coats on the Property, if an (iii') Onatlrelitii of tbs esdMued yeatly preeaivm for hazard 'tnsur ace covering tic t'ropeay (d requited); plus (iv) Onatwotith of the Wmatsd yearly premium for tnortgage imorstwe (!f any); art v) Onc-McUth of the estimated yeady prsii ism for flood insurance (if required). In accordance with applicable law, Lender wilt aitiroate hum tla: to time my yearly tares, mos man%. leasehold payments as pound retm and Insurance p ecalarns. Lander will use existing assntstaesn sad hills and maonable eatimata of fuh to aucments and bills. Lamle' taay. at say tittle, collect and hold item under Patag I in an Mato=ate atm=% not to exceed the matdmuse ?tortJet that tp;y be fat otrotrer's account under the Rai Estate Sudeatem Proeadares Act of 147x, 1? LfSC 2601 at seq., and to tai raguMons, 24 CFR Put 3SOQ, as they may be tataw" Aim time go tiau. (:TM A'), except ft I will pay to Leader as addititmal scum equal. to onasixt]t of the sure eta a< yaar? ?payoaaa wider dde ?esedeaph 2 or a lesear amount if oeyv,? br a We kw. st =our le law" to i4a "rcapwe" or "a0tion." sub is c:atiurd b.7 A for urua patcd d1311ha scowims or disbutasmenlt bofora tap paymcnn psre ivsf etz is the me, - tt. These sat UO that I pay to Lender for these items sodew'Pampaiih 2 will be called the "Pmts.' Them Peadt mitt' be tmmafted with the hoods of the L&dor unless cite In rceyqutret odwrWise. Unless as apectraant Is made or eppllW* law toquises interest to be piil? I.t:udor shall; not be regoircd to pay Borrower any Incrust of amisip on she funds. Lender stay trgnire Sorrowor so pay a one-tee h durae for us iradepertclant real astase Ux repwiaa acroice used by tender is eotmahxim with the !toss, wale-b applicable law lxovides otbernioe. 8) Lestdar's Obagattow tender wEll we the Ptirtuis to ppay the above listed heats. Lcoder Will give to hne, without eharae, an annual axountina of oils Puoda. That aooouativg atust stow all additions to and dedostions from the Funds and the reason for each deduction. C) Adjustments . It Landoes aunt tes an too hi or if hnecs and Iasataace rues go down, the amewhaa that 1 y under obis Parsara. wt?l be lob Isms. If this happem U s time when I are kaaping If of my ptondtm oaf sgreancnn state In this SaMTRf meat, t will have the right to have the excess amount either prom rc(d to fie as it direct ssluod or credited to any tolare MUMMY nor oR Mundt. Goa wZli bo am= amoaats If, at any time, the wm of (t) the stoonut pa of fuads'Which Lender is holding or kaepkt . plus (b) the amount of the mottthlY paymeete of loots which I still must pry beewean M time and the doe daces of thac items is grew" "n the amOane acoesa y to pay the abate Rated hams when they we duo. it the Funds exceed the smoinn permitted to be held by RMPA, Under shall deal with weep funds as requited by RE A. If, when payments of there Item ace due, dander has not teeeived anough Fuv*s to moire. diem psyntente, I will pay to Landar whatever addhional areattatt is semo cry to pay the there rtemi in fail. I most pal that additional smount In oae or more poymonts as Larder may acgttlfe, And pctmirted by RE5PA 3, .AP,PLICAI'fON.OF SORROtiVEl4'ti. PA.YhdRM.. _. Unless the law =quit= otherwise, Lender will apply each of my payments under the NOW and under Paragraphs I and 2 above in the fallosnag ofdst and Mr the following purposes: Silt, to pay any prepayment chirp due under the Note; Next, to pay into ehargca under the Note; Next, to pay any amounts doe m Lender under Paragraph 2 above or other ad "M"- Neat m pay intenett doe; sad . . Luc to pay ptiaeipal due. hooilMrrct, 798 A. DORROWF.RS'8 OX=AIION TO PAY CHARCIS, JASSMMZM AND CLAIMS r wig pay all carte, asaara"o. clWyn, Rees and impositions attribarable to the Ptopvty and that etay be saperiov to Ibis Iteaorfty Agreement. I will also Malta pa na di; - Under aa? lase 9 I apt a tentnt on the Prap n - and I will par gsnand tapes t?any) die op the Ytopcity. I ttq) do this etttter by Malting the payaieais to Leader t u5 see described in Peea?saph 3 above or. if I tan not rcgvired to rinses payocata wider Para pb 2, by stiffing tie payments an time to that to the parson owed thtatt (Ice this anmor 8ctm ity Iasttmnastt. she weed "parses` entails any petsoa, ortentzation. to+re B any c authora a otlfes t[itl b dw pis those pyments, I v o?L w i d maipi t??otrn tu I?bttra stone l ida payments to Undw ttirader PItettztsh 2. 1 will gee Lender all aodoes or We that I t+eee,ve for the amounts due Under r" Parzzmph 4 Arty elahn, demand or d mpn that is made ag*wt them Property bacauee an obliption has not been toWlied is known as a "Mica." 1 will promptly pay of satirfy all Uoas egaind the Property I tdoes not asi a as?o toto this ausigly aperioor U(A)) I alma., hi Weritla? o t chc oblitadou Witch g9vo tiaa to the r gas, aid lender appmvv4 she way to wWm I agtta to pity that obligation. or (S) in tgod faith. I =We or defend apiau The impeder 5" In a kwinle so that dvdng the Iawtair tie superior "M m net: be eafeteed amd no pa tU " mm be even up other &A an f4"emo nt"approrsd to t of tUridw t a the " of this Soecurity Insaaraent Is saperWr to tie den held by tbaf person. If Lender detevnineg slat ashy part of dte Property is subject to a aape.&r Hip, Leader may Ova lknvwer a r 0co idcatdrin? floe stipcd" parrower skill pa or ead* ft mpedor lion or Take one of mare of the aedow set faith above within 26 days from This xMill of notice. 9. ROIMOWn'3 CWLIUTION TO MAINTAIN IIA91AR DOURANCR I will obtain beard iaatrance to mer ail bucdh* and athsrJ?ements Thal m now, or lo ft future, will be looted on the Proapppm?y. 7b@ ? matt carts loss or damage caused by fito hantds a 1 ally coveted " extended eoveaago" hasaTd insurance =ica, sail other Lasards, iadedint floods or fleadl g, for which tender or stage of pvtzi meat wgcdtas covetaga. Tk laturarm matt be is the am6onu and for the "dads of time requited br La uki or Comm m agency. I may choose the Ingerance. Company, bar my ehoina it adh]eet to Lattices approval. Leaser may not F4W to approve tta t.?taice unless the rdusei is toltaonable. If I do act madntak carcnw as ?o>cribed alas. Under tray. IT L$nwa opdoe, obtain Grecap to protect Lcu %14 dg ho in aecordanea wiidt this paragraph and patssraph 7. g the property, is ddete[miaed to 6e Toasted is a flood sore that eegaires flood tnsoraaee, sa detdtaated by &a AedeTaL Emertonwy )d agwenr Airy or eaotbet agow that has the authority to make each dem23eatI4. ! nnda?pnd tint I will be It rtd to obtaht flood insurance eovante for the ptbpottr. All of the insurance policies and Lenewata of those policies mast include what is how as ¦ "Standard Mast` clause togwcteat Lander.' ho hem of all policies and reaawats Rnetwsk. If Dander vwpiirres, I will QraMpi r giive Londe aght ll e to pfd of dgatd?ptemnt? and tettn:tval tatias that I recolre. 9 tbere Is a Iola at damage to the PropcM, I will promptly notify the iasuraroe company and Lmder. If I do not ptotnptly prove to the insurance uses any Wal the iota or dtot_Se ooewrcd Than-Leader may &-so. The anldgnt..pud bV the ratty oamp4py It aired lptmettt • I evthoeisa The Leader to settle any dsuaisad o0 et:t the prcooteede xis aiy behalf and an them to seduce ibe amoutu r owe to 'Lnder Under the blw attd ands ibis Security tummew (whether at not se pairs have been trade by me), or Leader mar release the proceeds to rA fat use in the "v Air or twoudon of rho damaged Propatty. Ur4¢r may, we tide proteins to repair at rcatm tits property or to pay the rums seared. U any proceeds ale used to replace the atrwant of principal witl& t owe to taendtr under rho Note. Vat uw -will nor-delay the du+r•date or. chance the_ainount of _%,ey..ot..my manthty psynwats trader the Note and wader Paragraphs I and 2 above. Howevcr, t etsder and I may agae is wtitiag m those delays m chexilas, saetl466nx 799 r ....-. It Lender acquires the Propeny Lander N agra 25 below, all of my ri hu in the Intltrant'e pQVW will belong" to Leader. Abo, elf of my d hts in any ptocac& wNch arc paid bect ass of datnaye that occurred; btddty the Naptay Is aogdite0 by Loader or sold will belong to Lender. However, Undes"s righa in these pmea0s; will not be reaw than the =tints severed immediately before the Property is acquired by Lender or Nola. to the event that Burmer Wit to malstatn harard insurance or flood intdraaLz as outlined in this Paragraph S, or has the pole oa ailed, then ad in that event, Lander may obtain she tteaeuary gtau;antce. = r char bocco"r It "aurdtarga" w covet the costs; a % a d an pr atroino an s aiidt inintmocaa. If he Lcn&t oobbtailost ins r nnpaym Cce. It will oM I= provide proremon for tho premiss. Commu, iiabiGty and other itans will not be insured. Burrower irrevocably mans to lender all of my right tide &YA Interact in any axSnsorattcc corow refunds, itttnranoe proceeds of sbo like rteea?atdQ of how dulgnaw vNch blare in stay way related to the ea proptvty, and adlbodses those anumts to 6e aid diseetl to Lender. Lender will credit r,11 payments to the betrower(t) accoaet in the order of priority, as specified in paragraph 3 huoof. & DORRA.OWM% ODUCAMN TO MAXICM TEX PRGJISRTV AND TO 1 MXILL ANY LW9 t]RIMA71ONS I will keep the Property in good repair, I will not dive", dams or tpubmaraWy ehaage the Property, and will not allow tbt Property to deteriorate U t do trot own twt am a tenant on rile ptaperc?, I will Will any obhptlom War any base. I also agree that, If I rc the fee rfdo ?a the ply, for roue iatesut and the fee title wix not OW% mess Lender specs go the merger fa writing ms 1. LENDXR38 810131 TO PROTECT M RICKM IN TIM MOPi3iNl i MORTCAGE INSMANCR If: (A) I do not keep my pumises and sgaeemaon made In this Soo ill lmtmmcnt, or (8) someone, iaolydin tae, begs a icpl nodding that may affect Leader's rights under the Nate or in tha Property i itch as I ptoet AY In btakztiva y, In probate, for eaaidota>pttfon OL tv culotte laws or r Leander may do and pay for Whatever is tteeesaty, to ptpteot the value of the Property ad Lotidal regale la tiro Note and property. L adoes anions may fuddils appearing is court, paying assemble attorneys' Ira and emedag ca tls hopimy go nuke repairs. Although Lender map_takc action under this Paragraph 7, tinder does not have to dS to. I will pay to Lender any atovot with latwcst, wWd Larder sponds tinder this Psragtaph 7. f will pay those ervotnut to I.eridar wise, Lendar ieods we a vouetr requesting that t do m. I will atra pay itttemt as those adeaots ¦t the Now rate. tatertst on each Mount will begin on tAc dace that rha amount is`sparu by Lender. However, Leader and L May ague In writiit to let= of payment *0 are diffvmw 'frond chute in [bit paragraph. This Soaotrity twill proteet• Lander In use I do not keep this promise to pay thole amounts weth itaerest. if Lender ragatlred marti" trimmu a at a condidoa at making the loan that t psa?oiu to pay under the Note, I will pay q?e jimoluma for am mmp insurance. I idi 1 pay the pritniuana until the requitemcni fpL mor?ggae &?MWAneo coda aceordiat to my written ograemerr with Leader or atceardieg to law. Lander may regoin tae to nay the premiums in the manner described In Paragraph Z above, 0. LBMER'8 MCUT TO INSPECT THE PROIFP= Lender, and others autbotited by Lender, MAY enter on and inspect the Property. 'Chet' mist do go itt a reasonable manner and at fepanabte i mes. t. ACRTCIitti,w" Again CONDMN1ATION Ornz PRQpERSy'. A taldn of jroprrby any gowarr mental sodaority by etnlaant dorrraln is knavm as "torrdemaation." I ?trhe to Lender my tight: (R) to pmawds of all award[ or claims for damages tesultrng *am eoademnation or other gorautaewta) eking of the property and (0) to proceeds from a sak ol.the Propartr.that ix made to avoid. condemnation. All of those proceeds will be paid to Under. Mwm It all of *a Propcny is take=, the ptoomda will be =rod to vAaw the sums se- --ca. If any of the Itrooteds tetnan after the aako=mt that I M t0 Lender bas been paid in tali, she mrnsin1102 proceeds V"N be to tae. Volaat lender and I a?sva othenvus In vrittas, it ody a part at the i+r=pt:tty is ales=, the anent dw I ows to Leader will be reduced only by the sttrottat of pxaeKedt mtlkiptued by the tof>o=tta ft aiaas (A) the tool nmotmt et the sums seeoted bmiedlately before the kit=s dWM by CO) the fair mAd= value of the Propcdy itoauediatety before tae tatting. Tha reMaInda of the proceeds will ba paid to me. If I abandon the VWopcrW, or if I do nor answer, wid du 34 days, a notice low Leader sating that s fgmrarmpud authority bee oftctcd to make a pkymcnr or to settle a ddm for damages, Lender has the ulha - to eafta the proceeds. leader may li=en use the ptomcdS to typdr-or ttstort; the Proporty or to ndsm tha awns socured. The 30 day period WM begin wboa the aotka it given: It ah? proeseda are used to rod= the sawmat of principal Web I awe the Leader under the Neu, that use wtp not delay the du* dam or cfwu she amount of any of my inn" paymen iisder the Nate esd nrtdar Paragraphs I and above. However, Leader and I may agree to writing to those dolays or cbasges. ML COh TIMAnW OB bMOWItR'S OINUGAUONS AM OF LB WER'S RIGS TS iAl swroww's Obltgattsaa or may allo=t a pataoa who takes teerr my lupus attd oblIP&m to delay Of to eM11.19 and I ataonat oft ?catan p i cndefr taFmcipat rs At1t' havti?navet, flat per orh the I qip b ixtll bs tugyy obllptsd Under the Note and nadat tb?t Senoty Itutromonu Baader way allow these delays at ehtngss for it parses wlw sakes ova my righo= end oUlktiost, even it Lander it requested not to do so. Loader will sot be ragaimA to bring a lawWt against such a peetan far oat fntlillimg tba oblignion of the Note or the Security Iasunment. M) Leadas's Slights Ev= V Lender does not axaclso or enforce say tikkt of Liesdet under ibis Security Iusavrnast ar udder the law, l tsdes will adU have alt of those eSbfs and n=ay ciarnke and cntorm than In cite Mute. RKwaston of Bats far paymem or mottMoWon of smorthmian sf the lwns see=med by this Secatity Iatttument g?rtaanted by Lender to any wsxgmr in iatmteat of Awrower shall sot opeeate to tCl-, the liabiligr of the eld&d Bonower or Borrowees spacessets in tatorvsr. Any fbibeaum by Loader in mawdsiag any n or remedy shalt tot be a waiver of or pticlade the eaxceiaa of stay right or rmody. Even if Tandet obtains Inivrance, psyt taxes, or pays odbar dams, cbstaas or Batts ngshm the property, Lander will hero ttthtvy tight rinder Yatagtaph 19 below to demand sitar i make i=mmediate payment to fan of nAe im&W that I owe to terr=ier under t1C Note and this Security lustrionat. 11. OSIACATIONS ON B-CMROWER AND OF r]3B,SOM TAIUNG OVER BORROWRR'S R1t;h tTS OR ODUCAMONS Any pe?oA who takes aver sty tigh?oe obligationt under this Security instnomew will have kil of my rigkts and will be obiitlsted to keep all of my ptomices and altanunts made in this 5ecu It Instrument Simiiadr my ptnsan vbo takes aver Landers rights or obligations ender this Security Inhume:l will leave all of leader's rights sod anll be obligated to keep 411 of Letittet9 agmt O nis made to this Settuity IratMment. If g=ore thaq orie ptrab= >t)ttts this Seafritr inswmdst-as Rartowet.-, eoch. of- us-mis . My obtiteted to keep all of Bormwer's p=eptises and 61:914 ions contained In this Sccad Gauveneat. Lat?dar =nay caterer l esdati's tint uadas the Security Imtt:sment aga mat each of the fsdlvidriglfy or ogaisst all of us to=atiter. This m=ess that any one of as inky be retlu{rod to pay all hnnoa tar=red. 13otrevcr, it osa at ua tees nos pgut the NotC (A) that Aswan to agslnthis SeatriQr..Ituatehitptynt..anly..to..d+rf .(ItRC. 's ngAts 1st the Property to Lender unddeer terlrta of this St?ctmty Ins mess, as iu pet?oii 4 .Pa otiallp ebliasrod to pay the sue=s scatted; gad (Gg that paavn ogress that Loader may agree wuh the orhei,_$4!inliSd+!,ta delay enWrriag any of Lendet'i s+gltu en cue modify or make any thcamtnodatieee with ti:Cud 17D =lid oerini aL r7tte 8ccntity nstromcnt or tits Note without that peaon'e comscat. soor1466tw 903: n. LOAN CBASCES If the loan secured by this 8eentily TnnKMMCk it subject ro a law which acts maximum loan charge!, and that law (s risally uaerpretad to that the fateme of other loan chargex collected or to be collected in eamreatggnn with die ban axaxai permitted limits: (A) any each tan charge shall be to UM by tbo sasottet.ttemaasy to tcdme die rhuls to the permitted lIMM, end (3)Loy suits ahtndy tolleaad Men Borrower which exceeded pormitted lindq tei11 iro refunded to Borrower. Under taay choose to make this refund by tcduonjj du principal owed radar the Note or by A?tt? a direct payment to Botmwer. If a reiand redoen pdoeipal, the rcduc*m will be treatef as a partial prepayment whrhout any prepaymont sharp nuder the Note. 1). LBCISLA170N AIi'FBCMG UNDM'S It1GEM If a champ in app6exbio low would raAA any provision of the Note or this Seeority Insttutncat umcaftmceabla, Lander may require ifamodfus payment In fall of all same secatod by this Secotity Itutrismant as that phrase is defined hi Paa*aph 19 below. It 141140 requites immediate payment In fall under this PantMh 13, Leader will take lbt: steps and taay act as specifkd is Patagnph 19 below. 14. NOTICIi3 RRQUIRED UM ER TM9 SBCUMT INSMVWNT An7 notice that must be riven to rte under this Seerr:iry foettvmeat will be iVeA by delivering it or by tolling it by first elm mail uniesa opptltabte law Wice use of snotheif method. The nosiee will be addraseed to tee at the address stated fn the section above titled "Gestaiption of the Ptopaq," A actlet well bo givaq to tae as it ddtaeat address if I give Lender a wrims padoe of ov ddkrcm address. Any ttotit+e that must be given to header under ibis 8ecvdq homuoeat will be Litton by enailtagg pi?t to Landee s addrors stated in parggiglt (C of the katlon sbova d tttd orris Lhod Ofata Ar Tlds Doewmemt,`-A novae will be mailed to Lender a a diffetcm addrew if Lender gRa ma a nodee of the different addscee. A notice required by Ibis Secmity Imshamrnt It Show wheel it is roalled or when it is delivered aecordiag to the requircmants of dtia Paragraph 14 or of applltable law. 35. LAW TEAT GOVtiRNS TMS SSCURXrY U48TRUhMKT 'this Sowtity Ynatstttattot is governed by Iredaral lair and the Iaws of the jurisdiction Where the property is loeated. The borrower bacby cc no and Agora that tho debt hereby second or xnypott thetveet, may be renewed or mund& beyond maturity as titan as tray cc deshrod b agreement omen the creditor. and on subsequent owner of the ptoperry, and no such yenawaI of cxkndon shall in any-way affcet the borrowen texpotgfbliiq, +nhether as surety or otberwiae. 'Die bon wer and any other party aammaing IiabO hamoder hereby eonsast and Agnes that It the propeM eomveyed hereby or a subMRKiat P*Ztl t thereof is aassferrcd to any snhsogttom awrar, and the cmdltor eaondsas the dgfst w aeeeAerato the dabts secured hereby, the creditor may accept ady della4unt paymtants or other core of dt fauft giving ties to such 6ccoMm4on from &a that owner of the prop sty of say other person and retnstato the indebtednase to accordance with the schaduk of rttarutity at of the time of acceleration of upon such new schcddic at may be agreed it retwwal or cxtt:naicn are ochcawisa permitted and no such reinetatcment shall in any way effect the liability of such prior parties, whether as surety or otherwise. It any lean of this Security DAtratnertt or of the Note conflicts with the law, ell other team of this Security Imtrumant end of ebe Nott will still romain in effect it they can be ggitven effect .withO.dR.the Q(,&&i,!1n1gg tWri1. This. mcu+s that. any terms of this Scrarity instrument and of the Note: which too eti Mt the l#to`een be'Iteparai horn- the remaining tcm, aced the, remaining tcrou will stilt be onforce& The be[rtrwer hereby waives its tight to a jury trial. 16, so tORITi, v copy I w al be one conformed copy of the Note and of this Security Insimmat and hereby adrnowlefte mrecoipt thoreof. siac1466f+aS 802 •p,q e .... .. .. .... ... 7 7- 17, TUNDU OF TIM MOPERTY Olt A B>rNMCIAL lQ19'I -Sr IIf DO3MOWPR jr all or ,ay of the ?roppert7l or an fatsrear therein it sold or traprfarred by Borrower (as if a bee al intemt it Sotrawer it sold or atnafarsed end Boerawu is not a Natuwi person or personml but Is a aorporadau. patmtets4, trbit or ether Segal entity) without L ewer's prior t+telttea coraeNt, andyd w ibs Creation of a lien of eattmrbraaoo subard+nata to this 8eeruily Iauttmtetit wit{dt does not nlaw to a transfer of tights of otxvlpan in the pr q7; {9) tt,e oteatfoa of a FDA& a t=To sy ineartst for both appNOOK (C) a trntatet by dortso, deems or by of law upon the death of L jomt tenant; or (a) the ant of any kasebold inumn of three years or Its not Maeia by ia?ty lniwd milt to Lemov be Waroeata?y dm sa id payaabl dedare s11 the awwnss te It Leader exarases sash option tp astslents, Lendor shall xW1 Hormwer notice of aeeelendoa In snoordance with YuttS%aph 14 Wed. and Leader may, in aecardance with i'aatoylrenia law, invoke any rem permitted by ibis Soauft Instmmear. Lander may coasaat to it We or traeofcr if (1) Banowfer causes to be submitted to LLNde7 Infasmado" required by IAadtr to avdants the wiasferao sr if a new loan were being made to the pttrofam-, (3) Lender teaaaniky detatsafaet that Lender's eecu&y. will Not be lrop" tad thar the risk of a breath of any eom on of agreevicM to this Scantdty Isatrtseeat is aeoeptabte (3) the wit will bepaytble on the sums secured by this Security INSttataeto u a rate aeaeptahle to t errdor. ahaagp in the farms of tka Note and chid Secaft hmnanext required by leader an Nurse, indoding, for cam*. ppecriodic adjvird+ant bi the iarerce rate. ¦ diPmem final parneai date for the lean, and addidon of (5) IM tnasferae alga an 11"Umptiaa agreement that Is tutpaid Eatetat to rinaipalt and acaplabla to Lender and that obligates the t0 keep erg tba YNOAM and apooments made in the. Note and in chit Seder =7 =Meat as modlflcd 9 required by Undcr. To tbo totttut permitted by tpplicablo M% Landa Rte arty charge a roman" fee as a condition to Lenders wasent to any sale or transfer. Botfo7ran 1sill coatinae to be obligated satiny the Note and this 39cority low meat unbent Lower yekws Rarrowor in wilting. 11. DOMWWpIX'3 Wk RAW 1fS RtCA9DXNG WR117tlTifRt Harrower states that be will Not on, and wig not permit say third party to uto the Draperry or say ppeettbm tbercef at inrasest thetdo far any AAruporc that would. cause the a?Y to be wbjeet to forfalta". Bessemer filAor states tbd the property but act been a ed sei* the pf Meds front any tiansadioe or wfty that would 044y asate the property to be nibleet to forfeiture. 1% LEVIDn S RIGHT TO BBQLiME WMXDXA.Tt PAYMI NT IN AILL If f tail so keep any„pronilsas or. allrsmants made in dm Nom or in skis Security barumcm ioduLa the promlSwco pay who due the AMUAts I: owe to Lcadar, I WITI be is drfanlt. If tfis ocem. the Lerida racy reeqquuire that I lay IattnsdWdy rho radii: amount then rtaaairdng tupaid states slat Non cad tsadez this Soourrry Kadtrmmes,t. Lender trayy do this wigrout y any' rtka demand for payateaL This requhtnaent wilt be called "Immadlats p y?nafatt 0 Fa " If 100 in defaalr for spy Town, yam have rite right to demand payment of the entire Amount I ow t you. V loader requires payment in M or in the event of a foreclosure acrion. I egrej to pay reasonable and permisrbla logalfees, races and disbumealeats and that each total amount.sball be pdid_ by roe with ,ararett, at spaoifcd in parograpb X15, up to the day you aetoally receive such. payineat, seen alkr foreolowro. oases. In any laicals for vent:. Evader will have the A S so C) collect all costs allowed by low, CO have the Pfaperty txild as one pareol; and (1 have a Racalvar appointed try the dourt without that giving notice to me sad VaMut regard to the value of the Property. UpoN aecaletatiei; Barrowef ilbali iieva na tijat to reinstarc. All right; :and_.rymcd'ws provided (a this 5ccuricp Irotnstncat are diatmtt and cumulative to any other nght or remedy imder this Securityry Instrument os atrotded by law or equity, and may bo axsciacd ooatnrrantty. ,ndspandwtly: or sucaett;vely.... _ . . PaUGGra L 903 .MQ, It Lender roquues Itnmedtata Paymam in hill, err if 1 abandon the Property, then Leader. as wthotised by Lender, of 4 receiver upptlintad by a court at Lander't Sequent fits, coUaa the renal payments. including oretdtta avert Meats, dinette' from the tettssr* (3) enter Oft and take possession of the Ptopertyi (? manage the ptopct?r and (D) attn. anal Ned charge Itstees. V Ictaier nodfin the htnanta,•Lender has the right to cotters tttmW payments to Lender without having t& acit whether I faflcd ro keep my misaa and agtompnw under this Security Insttaethoot. If share is a Jed t for f ender is 1mvisuit for foralotore and We. I will pay to. Under reasonable reset Gwe the dace the judgment it entered for as long at I occupy the property. However, this does not give me the right to oeoupy the property. All Itatal paymeart coileetod by Leader or by a recalver, outer then the rcmt paid by me ander tbis Pa h y tajrt_p ao, will be and firers to pay do Costa of Collecting scoot payments andfor atanwng two Prapesty. H any pan of the rraltal paymcstts romaine after {bore cotta have been paid ten IWI. tfGime teptaininj pert will be aced to retlaoe the amatimt.that I owe to Prvpctty teat' Include tae t=rftr't [to, nasamble Attorney's kes, and the cost of any noomwry bonds, Imilor aAd the nedvor will be oblfpDad to ¦cca tit only for those rental payments thet Choy ismatly toeelve. It E fall to stets any paytnemn or promises under this Securi Insstuatettt or the Nose. thea I Shall pay snotttbly lit advtgser n you or to any receiver a .it Charger for the use of the Property that II ocapp. It I do not ppl?yy this fair charge, you or the receiver may cw to collect it or ttl reaeave me, or bah. I trtU not CAM more Chan one (t) month'i rent in advance frays any t> Dimt or ocasp" without yorit wd#= eonteo, xi. I JaNDLtit+B OISU"TIOK TO DLSCB M T= SIISCUREW V(S's'IWFAZNT When Lander has been paid all amoants due ondor the Note and under this Secadly Inurement the Lender will rck=c thlo Security Imanttuant and deliver a artifitm stating this Secarity itmntleent. bas beea paid in iW- Yonder wiq then deliver a certificate n alas that this Security Irutrutnout bas bean ndslied. I will pay all cuss of recording the Release in the proper amcial records. 22. ADDITIONAL CZ&AGItS I agree ro ppwy all neatonable Cheraw in oaaneesion with the t&Mdm of thh loan, inghI iltg but not enticed co obainDoll rat oatrdtq add bltfa and in ptoctmang Lou mmucc payoneaa, ownership tatn sera, releases, eatedwaM consent., osctntons, modiftatied, Ipeeiat apeemcats, as ip ments, teduatien ocitiGtates, areas recovery and satisfaction of mortgage. to the event Berra divas Lender to order any reperts. apprainalt, setuehss, ehtanunadont attdlot the Tka, I tae that the expeaso !err the same is to be added to the bala»a of the axtstfng tnonaa6e, if tttune Is not paid wttbia 94 days of wows Aotifickdon. 29. HAZARDOUS SUMANCSS Borwwcr Atoll not create or suffer to exist or pevnit any of its agents, employees, coatreeiets, tenants, or invitco to croon or slues to mutt any Il a. tuts ty Iatetest etgo of encwttbronce ai??aaWE the Propeny or an?gctttien thence , relating to tmy phryairat or enviroomctttal Cotldition. I"doding, 'but Tor lEemised to, any hat unposed artuant to union 147(1) of the Seprifund Amendments and 3taaetlhatiaaeioa Aot of 19%.(42 U.S.C. OM(s)) or any similar federal, agate, or local smtuta, regulatloA, rule, order, or ordi mes. Borrower shall not cause or permit airy odha?garty to cause or permit the pttoana, use, dispotol, storage or release of say Hwardaue Subitantev on or in the Property, Borrower snail not do, nor allow anyona else to do, tuytWal affeetiy= the Y'reperty them Cs In vitsatlon of any anvitammental taw. eomlMnm 804 BartoMrer shall pramptl glue the Leader written nodta of any inva[igBtian. e1>tlu!, demand, lawsuit or otb as zed" an1 sr ttl or fecul"a l Sags, naf v Alth th SeSnt T .T NU BOMB [ Ptapea and d earl' >Elasar St knorrb?e or sAOald bane attsut krsawledgA• if '8on0vrer letuas or is aotilled by any MrAM;GW Of r aUtharlry that any removal at raroWistim of any Hazardous Clastal" alfmdag Sava 1'sa"C" I. rceassary. 7llirtowee slnH ptotnpti talc necessary retnodial. removal. and Wine aopotr necessary to dcaa up and remove Al HyssardeMs Sabata cm solid wastes, or eonma&auts on, in, front. or affeettnR Wo= erinoa>n ' *m0f, in so wilb aoaord"ca Mail vatbanmeatal law, to the udi[sedott o ndw orders and directives of "dunces authorities Was juadled" over the ro a s substmew or snstnsiato. It Borrower rails to take relttodlaS aaton, and Mpatt from say is wdog the exletetten of any 11awdoas Subatsnoea affeeing the proptxty that if trae my tteult m an Cedes, suit, impasicion of n lion ea tke peoput?y. oe ashes action. or if the Kalov iB good faith batuwea would jeopardise in ataniy interest, the Leader at its option shall take Ylhaeavor aalatt is tucessmy M accordance with enwtaism atal saw. tclean dd p, rittomew rnolve or atberwiae tatrtedlate flit: si%Ua*=. All r aaonsble reacts and OW P by Ldtdct in flu ehtwdm of sock riZMs sball be secavA by the hams soctuing ibis loan and shall us payable by borrower upon demand br Lander Borrower Shan fadatnatty. ex"arate, defend Bad bold harmless Under. Its off1cm diteelors, sharobolden, Sgt ma, attd emylalrctx ttoan Bad apiast any and all charts, demands, gtQpdons, penalties, tines, suits, 114011a, tttxtiCaatttts, dm ^ lassos, aaaat, and c"cnaes (in s but cwt lhn tcd la, 4 wwq end txtttsultatll &es and CXpaatlW, htvesti=atran #exs, laboratory exper4ca. demop cam, collar eoerl. and orrice aspmeo at ralgadob of srbittatiost?,` *' JI as an><??cu and w*tmas incurred in entotelag ibis Indemnity, Sad Soy viva y app anvironmetsW huts in effect on or Mate ft date baWaf or beseafear made effective. As used in We doeosnant, "UM31 all Sttbstaaeaa" All tbeaa atdtsttancas defined as toxic or haardous sula tiviea by Earitonamital Tow, Ind the following sabot new. aaoline, ketassne, other thtnamble or taxsc potsoloUm products or by ptoduat4 1060 ? OR hetbtc1des mad taa?ndca, volatile solvents, rtutaistal asaahdnt 4s0estot oY tours . sad radioactive raalrtals. As heed In thk daeamant, "Emvlawancnal Law" vomw federal, eau, ad focal awes. satiety or statutes, rules. teptaboas, judicial action and "d6as that relate to health, s eavironmantal prateauan and maattananoa in the j»tWcdou where the} pmpcny 24. MUCItLLAMUS PROVISSDNS (w) In the Cvont that the bolder of thu Security batnmuut be required to rouin w eonnsol far the pmpdse of Comm alts ton" aso procca ap bosaradce, a reaaonswe sna rwl ba added to aloe said Ittdebtedetca, to fair Bad tamonablo lopl foes and doomed seca d bataby in addition to =peasss, costs, allowances as provided by Iaw. (8) It dtis 5ccutity Instrument involves a condominium unit, any fi<ilato to 4y Common dtlrgaS whoa they become due dhtll bo cansidctod a daf4Uk tmdes ciao mans of ibis ?Sein dw Instrument. (t q It I ate potmia d to are a dt(mk ai Lida Note or the Mortgage detasrin[ t Nets pt -aanr to Ube United Stow eankraptey Coda (Tide It U.S.C.}y No-ther apPlicabfe I speaficatt agree that the amount a-consary to me the datavlt sbail a rho mm of all amount past doe cinder the cent" of the Nets aadlot Mottyagc, Including all {otezest, and late ebsegas, cud Sri Macau advanced by Lender pnneurat to the utmspti rjre Note andlor ldanp6c, laded?in66 all otrortreys ten and ualarest rare ngwrrtithe Note andlor Ma?ape from the dare on wpich I cleat to core the deftuk CO. the dare, an tthghis default is isrlly c ? d? the Nose or Nothing it shalt be ?orli cd aft" and" e *thel?Unit ! Stages Bamnkroptcy Coda Cnft 11 Mortga a excw ept u tryaditwlly U.S.C.j or other applicable iaw. (D) In the avant that Lander shall advaaoe arty money W order re, pay Bo w rto ? upde, lawn apolar .hazard..ittwonce sadfor any otlur jUd$taeats, lietta, 0 4 ons, "Pad in patngraph 23, nccn Borrower wilt pay lhrcttst on . t.sutras ad.raetrt! at-the tstC. spa borrowers Notes. (E) In the evosu the premises lnitesa damage or Borrower's statcmet?a 1 Val mptres nt ions have been found to be false prior to She disbatmancur•of fands, Lander. n may caeoal this Note and Lsndar shalt have-no fardtar obhgathhaAt to tbo Berrawt v. 't ender aarccs that Lender will file a SMistaadaa of M,oagagc in the county ibis ScaWty loteumetu •is filtd with nct Office of the Cotncty Clerk prior to amd-Wartnn by Louder. sd.tJtca and. etiruened-tanp4 (F) lit the evens that any chock paid by Eattolrer to Ls'id4s i>< in that Swat Lender may, at L,eadat'a option, toquite bank or eatrified funds for each payment made cheteafter, bo0f1456r4K 805 .+..b (G) fa the event the Sofrorrer(a) berain exuae or bft any action, preecadiI8 or pet yoo rot the oxil meat, ligatdatlon or rowitaccacat of their total indubtedneax under any federal, state or loeg statute, and in soeb event there it an fmptoper iaspahrnoat of the Its of Oils Security. =astrutneat within the meaning of any 41do. Code or local statues therein evlavaat, theta shad be allowed. awarded mad t rantod to the holder of this Savorily hitrtament by the calm or aribm?al ha+rittll sdletren thereof, masotuble legal feet inn aaad to proud the dart of skit Security Mnsmamen asaittat such {mptaopar itatyelailsnt, or is the scent the belches of tint Stxtufty Isastrtuaent is ragsdred to r?S out ixy moteoa ar proeeo?sttigS to wane sac stay or mrrrpel sojoctian of erg pavporsd but. Sorb award of rtrasoltahis tpworl ke; shall to breed sport dra nralona 16 a roteriy AbflUeg rsx of at1 experieaeed tact eseatelbattktuptcy practtiatar adthia the jnttsdiotioa of the eoerrt or tribmtsl, and sYinrent any reftxcnce or xegatd direct ar inditoet to the now disttaed Theory ai' "oaonotupr of adadnimatioa," In addition, ImWer "I bg Wded to cha?ge imerat on all aottaed interesr, oteelosm eta i artotnay top a ?iacurrml rrF a teralt of the foraelosm or the bankroptclr protsedlag, or outer pre paition amaryc payable purssart to or tttro+tgh ad4ixt M I Nara to The fnekatat rate tall W the aurae rust ehatged ibis Sc=fry Inauument, 25. ACCSLb'MTIGNi DAIAMT• RIMMIES In tho tWat at a ddauk hoctcwtt, in any of its coven=ti and allict4 eats hertatnder or in the event d a bmacb of any of Bovower's ieprosootsdont and waarentics Wale Lewder, at its option, may t+tgaits sot-dim paymept in full of all sums new" by Cie Smu ty Iaratrmeat without tanker demand or nonce to 8onower and may invoke any remedy permitted by appNable law. If the kndar mgairea tyfnont is fah, or to the oveat of s torootostyrs anima I aatae to pay maottabllee fa0fees, ptinct and interact, mW and disbumeMents, sliawarttxt attd addidonal alto+ was as max Pc awarded b _v Jadgntcnt of foredom and Oak added tborerq. After acceleration and until a jyudgateat pas boon ca=W. 1 chats pay this total account wish iaterate, s to the day yyou aebolly tataave rude ar the fanovriag isearaat taro; 34% it this Is a motSage to eFOara of ISG .tl0i or b))?the Note rare it this is a bearing as oriSipal yptttrateps( resrosat hetwesa i3,aC0.fiD and 350,OOb.tIO. After ¦ bas bout rondered. the intatcst rate rail be the hrgbcit pemriticd by dha aria of A nnsylvarda. In addition, Lander shalt be enWed to collect an expenacs inta md'in Owning fie rowediaa pprradded in t11is Dttsagtapb 23, iadndinS, bus stir kWted to. tehaanabtc artomoy's iaoa, sad ooats o! ddo avidaaae. Uwe abcolotation. Sorrowar shall have to rigbt to miartate. All rights end raaedfas provided in this Security ToUrataeat are distinct alld eltMIWva to say otbed ttgbr or remedy under dth Security Inwoment or nffarded by law or ogniry, and iuay be uotetdaed cotioottcntfy, indepeadendy or successively, BORROWZFS CUVQIJANCE a) Upon the to of the Larder its saeoeasors of assigns, I shall; 1) fare' and enure any 2otstmeutt requited by the Lender to verify the utvtb and aecrraq of any bdotmation provided by We in eauaealion with usy mo?t?s I" indaditp??,, brit not Mxdled to, Incuase. cwF4gyAtmt, dap* and Ivmt aatbori:uJ-asa attj vadtla Lions, twome tart returns. and contracts and settlement statcmonta for the sale of other psopestler, 2) cxoeure any dowtnent chat shooed baw boost stlped ax or before the closings tC,EwAwta any documart signed at or before the eiaft and cu mtc that which was ,neorrccdy drafted and i*d at the elmiaS, indadin btu not limited to, eoneaion not", correction arotrgages and other awrectien iasttumatts; 3) famish any documents"segsind by. and- Moply with any coadittons, Work andier certifyoataa set tank is LAmdes's appraisal tspost or firm commimxnt- !)--crkaeote any sddtdottal doeu>ateatat oa an any.ed¢¢i3iorr, E tdoeatatioa rquired rhea keg. Lender to fedlitatc the saic.or h?tt" into secohd iY MOMPF b) I repteacnt and agree that fill toques[ by Louder will reecho the toll eooporation of and eompt.aace bpyy the wuilnn. Svc days of the making of the xegeeaa, and the obligations hcycmtdcr oboll•sarytv9 the r,>ns , .c) ft is [ostler agreed that my Mum to comply with the representations and agrccmnts haroittx r'rhsll doitrtku% w d4roult-under the dkste and roonpgo extCuMd in connection with this agneotnt, and shah entitle the Lender, its av=uff ,ts ar AWSim to myy and ell of the remedies available upch defult under the now and/or mortgage, indading coll¢aion of default in=ca% stcarn4y's fees, eatK and distrarsaments. ntdMpat 90G ...,n, 26. REDUS TO TM SECUMW 1061MUENT it one or mom ridaa tua exogttad by 9ottowu •ad reeerdad together witb this Smrity Ih aumm. the P"Mma Imd Alreatoenu of CA& aft incagmratod es a put of this Seeiarily IastrMAent. [Chock apptfeablt bon(a)) _-?djmmbla Rlkto Rider lUday mijvckly katt I &I -44 Anally NOW !ceder ,__Mooed Unit Derrlopmont Rldor -.,Rota Imp.ovemgot Rldet -- Second Home: Ridtr V A. Rider ,`??tbn. 13Y 5It3XIM MOW. Borrow= avacjA sad e;tee to the promhes end agroarMAts coatrhtod in this Scoarity lnstmtoau A1ad in airy ddcz(s) sli+oed by me and feeordad with it. D.,O?LD 1. ALlEYAMO ? ANHEC{?N. "4?LEI{AMAEa m n or PERNMVANBh. Coitsiy m on tha# ¢Ay of a uA f before me, tha 9Mletai$rwd. A-v Yu Ue i rlld fol > ? =L= nd saitoot?mv-a the aseadoai at rht faaasain` ynsttwaent. WITN1IM my hand and ofGefal sad. M Comm on ILU wamsew N Eahfia . r e ft. CRR=An OR RLtS ENCE 1 hemby certify that the prealle 8ddrgss of the Lcndtr (ldoaplae) is! De119 PttRdivg,Catparation.. .. .. 11100 Woodbary Raid, Woodbury. New Mork 11747 On behalf of the Lender -'Sy: aaodA6 AgE 907 -Im ALL THAT CERTAIN tract of parcel of tend situate In the Township of Baal Pennsboro, Cumberland Cotmty, PenneyHanla more particularly bounded and described as follows: BEGINNING et a pant an the southwast side of Amotd Road, satd polm being 740.27 feet along the same in an aaslsry dfedlon from the point of interstdon wah the southeast side of Lands, lane (forth; thence along Amold Road StNA 48 dagreee East K W rest to a poles on line of lot No. 92 on the plan or Us heralnener merltlioned: ttmm alongpod tins South 44 degrees Want 110.00 feet to a point on the fhe or lot No. 67 on the plan of loss hereinafter mentioned; thenCO 21WO 00 same Narl}t 40 degrees West 64.0 feet to it point on the line of lot No. 90 on the plan of It* hereinafter mentioned: tnence along the some Nosh 44 degrees East 110.00 feet to a point on the southwest aide of Arnold Road, the point of HEGIHNING. OEING Lot No. 9% Seolion 1, Plan of Lards Park, which plan is recorded in the Office of the Retarder of Deeds or Cumberland County in Plan Book S, Page 50, '4AVING tetareon erected a Well type dwalitng house known and numbered es 91 Arnold Road, We. Pm.17cm 1EING the same pear tm whir It HoWng Authority of Me Cat>rlty o(Curnbadmtd, by Dead dated 9nd retarded even date her,l vllh, granted and conveyed unto ponald R. Alexander and Anne M. 4c ander, Mortgapre heralm .. no ataebr4 Mo011141 em" n:al prsyanr trtKVWY iMPM"d by a me m fW rsasey 4 whin;. ftmi a cam way kwow so ,Al .44ROLD BO, EIVILA, PA pass 61zrkICT SECTION at.OCK LM r ?x Dek !d e. 111erF A, tiLElf411plR StuitdAnehMSnU 96 ? 't????• ?> cewura cumuatsrat} -• _' NcaawInme ofrloofmoa rocerdiea?btiea?r'; mkI466faft 808 - ? 0 NOTE 0 Property Address: 91 ARNOLO RD, ENOLA PA 17025 Address # 2: Address # 3: Date: July 2, 1998 City: State: PENNSYLVANIA 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. _ 67.050.00 (this amount is called "principal"), plus interest, to the order of the Lender. The Lender is Delta Funding Corporation. I understand that the Lender may transfer this Note. The Lender or anyone who is entitled to receive payments under this Note is called the "Note Holder". 2. INTEREST Interest will be charged on a simple interest method. Interest will begin on the date of disbursement, and will accrue on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of percent ( 10.2500 %). 3. PAYMENTS Amount, Time, and Place of Payments I will pay principal and interest by making payments every month. I will pay 360 payments of $ 60o.8a beginning on 8/2/98 and monthly thereafter. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on July 2nd. 2028 I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity date". In the event payments are received after the due date, there may be a reduction in principal paydown. A final balloon payment of $_ N/A will be due on N/A (if applicable). I will make my monthly payments at DELTA FUNDING CORPORATION, 1000 Woodbury Road, Woodbury, NY 11797 or at a different place if required by the Note Holder. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment". When I make a prepayment, I will tell the Note Holder in writing that I am doing so. I may make a full prepayment or partial prepayments without paying any prepayment charge. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. If I make a partial prepayment, the Note Holder may require me to make the prepayment on the same day that one of my monthly payments are due. The Note Holder may also require that the amount of my partial prepayment be equal to the amount of principal that would have been part of my next one or more monthly payments. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.0000% (five percent) of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, or in the event of foreclosure, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. These costs may include fees or expenses incurred to obtain payment under or otherwise enforce this Note and Deed of Trust or with respect to the mortgaged premises, whether by suit or by other means whatsoever. Those expenses include, for example, reasonable attorney's fees. If the Lender requires payment in full or in the event of a foreclosure action, I agree to pay reasonable legal fees, principal and interest, costs and disbursements, allowances and additional allowances as may be awarded by any judgment of foreclosure and sale added thereto, and that such total amount P-„ ?iX?'??.IJ?T ?I,Q,?i k o.. a i r, e r r ?. .A ..y.. :. rt ?. e? } w ' }. '?, shall be paid by me with inter e up to the day you actually receich payment, at the following rate: ? 24?o if this is a Note ured by a mortgage bearing an o*r'an l principal balance in excess of $50,000.00; or b) the Note Rate if this is secured by mortgage with original principal balance between $5,000.00 and $50,000.00. After a judgment has been rendered, the interest rate will be the highest permitted by the state of Pennsylvania. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3 above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, will have all of my rights, and is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note, including guarantors, sureties and endorsers, waive the rights of presentment, notice of dishonor, and protest. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. "Protest" means the right to require the Note Holder to obtain an official Certification of Non- payment. 10. APPLICATION OF PAYMENTS Payments will be applied, when received, first to prepayment charges due under the Note; next to pay accumulated late charges under the Note; next to pay any payments due for taxes, insurance or other charges or advances necessary to protect Lender's security, and finally to principal. 11. BANKRUPTCY If I am permitted to cure a default of this Note or the Mortgage securing this Note pursuant to the United States Bankruptcy Code (Title 11 U.S.C.) or other applicable law, I specifically agree that the amount necessary to cure the default shall include the sum of all amounts past due under the terms of the Note and/or Mortgage, including all principal, interest, and late charges, and all amounts advanced by Lender pursuant to the terms of the Note and/or Mortgage, including all attorneys fees and interest rate required by the Note and/or Mortgage from the date on which I elect to cure the default to the date on which the default is fully cured. Nothing herein shall be construed to allow me any right to cure any default of the Note or Mort gage except as specifically authorized under the United States Bankruptcy Code (Title it U.S.C.) or other applicable law. 12. NOTE SECURED BY A MORTGAGE This Note is a instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED (Seal) N LD D. ALEXANDER ` (Seal) ANNE N. ALEXANDER (Seal) RIDER TO NOTE Property Address9l ARNOLD RD ENOLA PA 17025 Address 8 2: Address X 3: This rider adds a provision to the Note which permits the Holder of this Note and Mortgage to collect a prepayment penalty, notwithstanding language to the contrary in the Note. The borrower has the right to prepay this loan in whole or in part at any time. However, if the debt is prepaid I shall pay to the holder of this mortgage a sum equal to 3% of the amount prepaid during the first year, 2% of the amount prepaid during the second year, 1% of the amount prepaid during the third year. DONALD 8. ALEXANDE 1 ANNE N. ALEXANDER Date: July 2. 1998 PAN18 ................. OCWEN Loan Servici> UC 12650 Ingenuity Drive o Orlando, Florida 32826 O C W E N WWW.OCWEN.COM January 04, 2007 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515114072508 Reference Code: 0610 Anne M. Alexander 91 Arnold Rd Enola, PA 17025 Loan Number: Property Address: 89725360 91 Arnold Rd, Enola, PA 17025-0000 PLEASE SEE THE ENCLOSED DOCUMENT 0 *+% I/ EA 1b) I DACT91.10 Phis communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ,,?,:: 1 ??. ? ¢ ? ? ? ? ,? ? ? x?, ..................... OCWEN Loan Servicir LLC .01 12650 Ingenuity Drive Orlando, Florida 32826 O C W E N W W W.OC WEN.COM January 04, 2007 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morteaee on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, You may call the Pennsylvania Housine Finance Agency toll free at 1-800- 342-2397 (Persons with impaired hearine can call (717) 780-1869) This Notice contains important legal information. If you have any questions representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Anne M. Alexander 91 Arnold Rd, Enola, PA 17025-0000 89725360 DELTA FUNDING CORPORATION OCWEN DACT91.10 APPENDIX A This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. :..................... OCWEN Loan Servicir LLC 12650 Ingenuity Drive O Orlando, Florida 32826 O C W E N WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act you are entitled to a temporarv stay of foreclosure on our m_ort¢aae for thirty (30) days from the date of this Notice During that time you must arranee and attend a "face to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the Property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ..................... X OCWEN Loan Servicir !LC 012650 Ingenuity Drive O ... C '-. W E N ? "E-Ni Orlando, Florida 32826 WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 91 Arnold Rd, Enola, PA 17025-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 600.84 from November 02, 2006 through January 04, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 1,802.52 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 60.08 Insufficient Funds Charges ........................... $ 60.00 Fees / Expenses ........................................ $ 18.68 Suspense Balance (CREDIT) ........................ $ 0.00 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 1,941.28 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,941.28, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram, Cashier's Check Certified Check or Money Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately. and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by verformine any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ...................... . OCWENLoan Servicir 'LC 12650 Ingenuity Drive o O C W E 'N Orlando, Florida 32826 WWW.OCWEN.COM EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged .property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. :...................... OCWEN Loan Servicir ',LC 12650 Ingenuity Drive 0 O w o E N Orlando, Florida 32826 January 04, 2007 WWW.OCWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515114072492 Reference Code: 0610 Donald G. Alexander 91 Arnold Rd Enola, PA 17025-0000 Loan Number: 89725360 Property Address: 91 Arnold Rd, Enola, PA 17025-0000 PLEASE SEE THE ENCLOSED DOCUMENT DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ....................... OCWENLoan Servicir TLC 12650 Ingenuity Drive Orlando, Florida 32826 O C W E N APPENDIX A January 04, 2007 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE WWW.OCWEN.COM This is an official notice that the mortgage on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800- 342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Donald G. Alexander 91 Arnold Rd, Enola, PA 17025-0000 89725360 DELTA FUNDING CORPORATION OCWEN DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. .............. OCWEN Loan Servicir !LC 12650 Ingenuity Drive O C. W ?"..E ...._N i Orlando, Florida 32826 WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice During that time you must arrange and attend a "face to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ...................... OCWEN Loan Servicin- ',LC 12650 Ingenuity Drive :0 O C W EN Orlando, Florida 32826 WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 91 Arnold Rd, Enola, PA 17025-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 600.84 from November 02, 2006 through January 04, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 1,802.52 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 60.08 Insufficient Funds Charges ........................... $ 60.00 Fees / Expenses ........................................ $ 18.68 Suspense Balance (CREDIT) ........................ $ 0.00 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 1,941.28 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,941.28, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram, Cashier's Check, Certified Check or Money Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's _Sale as specified in writing by the lender and by Derformine anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ...................... x OCWEN Loan Servicin '-LC 12650 Ingenuity Drive Orlando, Florida 32826 OCWEN WWW.OCWEN.COM EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 334164737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY DACT91.10 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ¦ VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsification to authorities. SHAPIRO & KREISMAN, LLC Dated: S M 12,u:)--/ BY: sc'-'r"? Ilana on, squire Attorney r Plaintiff F\' b p J w NIO f' N +: -a c.i:; -u spa C) -? m c? :y --G V03 r SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander and Anne M. Alexander DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO:07-1663 CIVIL TERM PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. BY: Respectfully Submitted, SHAPIRO & KREISMAN Ilana Zion, Esquire Attorneys for Plain f s Ocwen Mortgage Asset Trust I v. Donald G. Alexander and Anne M. Alexander VERIFICATION The undersigned is Foreclosure Facilitator of Ocwen Loan Servicing, LLC on behalf of Ocwen Mortgage Asset Trust I and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of Ocwen Mortgage Asset Trust I Date: 3 2 3 ' b? AaMj C C?, Nfne: Jessica Dybas C Title: US Foreclosure Facilitator Company: Ocwen Mortgage Asset Trust I Loan: 89725360 07-28894 hJ W 'I SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Donald G. Alexander and Anne M. Alexander ; DEFENDANTS NO:07-1663 CIVIL TERM PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER vs. CUMBERLAND COUNTY Ocwen Mortgage Asset Trust I COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $71,152.12 in favor of the Plaintiff and against the defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid $63,489.47 Interest at 10.25% from October 2, 2006 to May 7, 2007 (218 days @ $17.83 per diem) $3,886.94 Late charges (for certain months prior to default and every month after at a rate of $30.04 per month) $180.24 Appraisal Fees $111.00 NSF Check Fees $60.00 Title Search Report Fees $250.00 Attorneys Fees ! $3,174.47 TOTAL AMOUNT DUE 71,152.12 Y: Lauren R. Tabas, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendants and damages are assessed as above in the sum of $71,152.12. 07-28894 '" Pr rothy. U; b ?a CAS SHAPIRO & KREISMAN, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQ. LAUREN R. TABAS, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 81747,931-337 & 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 DEFENDANT(S) STATE OF: Florida COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 61-60 C,.Ui (-Y COUNTY OF: Orange AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. Ocwen Loan Servicing, LLC on behalf of Ocwen Mortgage Asset Trust I By: -A VVIA C 6L Lam N E: Jessica Dybas TITLE: US Foreclosure Facilitator Sworn to and subscribed before me this J,?5 day of , 2007. Notary Public or ot, QOueenRu State of FbrWa obeft 07-28894 R J4 my comr *sion OD566550 ?'?? ri Expires 08/28/2010 W N NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 Ilana Zion, Esquire Shapiro & Kreisman, LLC Attorney for Plaintiff WIft X NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 Ilana Zion, Esquire Shapiro & Kreisman, Attorney for Plaintiff co -?--? L _ C) OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Anne M. Alexander 91 Arnold Road Enola, PA 17025 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander and Anne M. Alexander DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1663 CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Curtis R. Long Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. r it ! :;- ?? HW r - _14?-. SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. Donald G. Alexander and Anne M. Alexander DEFENDANTS NO: 07-1663 CIVIL TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, April 24, 2007 to the following Defendants: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 Angela D'Antonio, Legal Assistant to Ilana Zion, Esquire for Shapiro & Kreisman, LLC 0 C"= n R -Ti = r , te SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF ; VS. Donald G. Alexander and Anne M. Alexander DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1663 CIVIL TERM CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following persons or their attorney of record: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 Date mailed:.." 4 " -' BY: 07-28894 Attorney for Plaintiff t'3 r r" - te. ? ?? J v. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF vs. Donald G. Alexander and Anne M. Alexander DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1663 CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: Ocwen Mortgage Asset Trust I 1675 Palm Beach Blvd. West Palm Beach, FL 33401 and that the last known address of the judgment debtor (Defendants) is: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 BY: 07-28894 Attorney for Plaintiff LSD ZZ! CITI, OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Ocwen Mortgage Asset Trust I PLAINTIFF vs. Donald G. Alexander and Anne M. Alexander DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:07-1663 CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Curtis R. Long Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: Ocwen Mortgage Asset Trust I PLAINTIFF vs. () Confessed Judgment () Other File No. OPI ^ IL-63 Lt Amount Due $71,152.12 Interest May 7, 2007 to September 5, 2007 is $1,415.70 Atty's Comm Costs Donald G. Alexander and Anne M. Alexander DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the. following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as Aguren ride s against real esta th defendant(s) described in the attached exhibit. is SignaturePrint Nam Tabas, Esquire Address: 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID 4 PA Bar # 93337 ? W CCO CC ?`G V V ? t ' ? i 1 r r-a + w w : w ? w w ? ! } GY:? _?fW -'C' Y L WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-1663 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due OCWEN MORTGAGE ASSET TRUST I, Plaintiff (s) From DONALD G. ALEXANDER AND ANNE M. ALEXANDER (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $71,152.12 Interest 5/7/07 TO 9/5/07 IS $1,415.70 Atty's Comm % Atty Paid $199.36 Plaintiff Paid L.L. $.50 Due Prothy $2.00 Other Costs Date: MAY 8, 2007 (Seal) Curtis . ong, Prot y By: Deputy REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 93337 ALL THAT CERTAIN tract or parcel of land situate in the Township of East Pennsboro, Cumberland County, Pennsylvania more particularly bounded and described as follows: BEGINNING at a point on the Southwest side of Arnold Road, said point being 740.27 feet along the same in an Easterly direction from the point of intersection with the Southeast side of Lands Lane North; thence along Arnold Road South 46 degrees East 64.00 feet to a point on line of Lot No. 92 on the Plan of Lots hereinafter mentioned; thence along said line South 44 degrees West 110.00 feet to a point on the line of Lot No. 67 on the Plan of Lots hereinafter mentioned; thence along the same North 46 degrees West 64.0 feet to a point on the line of Lot No. 90 on the Plan of Lots hereinafter mentioned; thence along the same North 44 degrees East 110.00 feet to a point on the Southwest side of Arnold Road, the point of BEGINNING. BEING Lot No. 91, Section 1, Plan of Louis Park, which plan is recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 5, Page 50. BEING the same premises which Housing Authority of the County of Cumberland by Deed dated June 25, 1998 and recorded in the Cumberland County Recorder of Deeds Office on July 9, 1998 in Deed Book 181, page 5, granted and conveyed unto Donald G. Alexander and Anne M. Alexander, husband and wife. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander and Anne M. Alexander DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1663 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Ocwen Mortgage Asset Trust I, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 91 Arnold Road, Enola, PA 17025. 1. Name and address of Owners or Reputed Owners Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 2. Name and address of Defendants in the judgment: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Ocwen Mortgage Asset Trust I 1675 Palm Beach Blvd. West Palm Beach, FL 33401 w 4. Name and address of the last recorded holder of every mortgage of record: Ocwen Mortgage Asset Trust I, Plaintiff 1675 Palm Beach Blvd. West Palm Beach, FL 33401 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 91 Arnold Road Enola, PA 17025 Housing Authority of the County of Cumberland 114 N. Hanover St. Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. & KREISMAN, LLC " BY: R. Tabas, Esquire 07-28894 C? ? t r C=:l 0 -T, ' : _ ril -: , rT- C;? v `- x `? r SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I COURT OF COMMON PLEAS PLAINTIFF CUMBERLAND COUNTY VS. Donald G. Alexander and Anne M. Alexander NO: 07-1663 CIVIL TERM DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Your house (real estate) at: 91 Arnold Road, Enola, PA 17025 09-13-1002-032-EX is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at I0:00am, to enforce the court judgment of $71,152.12 obtained by Ocwen Mortgage Asset Trust I against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Ocwen Mortgage Asset Trust I the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28894 ALL THAT CERTAIN tract or parcel of land situate in the Township of East Pennsboro, Cumberland County, Pennsylvania more particularly bounded and described as follows: BEGINNING at a point on the Southwest side of Arnold Road, said point being 740.27 feet along the same in an Easterly direction from the point of intersection with the Southeast side of Lands Lane North; thence along Arnold Road South 46 degrees East 64.00 feet to a point on line of Lot No. 92 on the Plan of Lots hereinafter mentioned; thence along said line South 44 degrees West 110.00 feet to a point on the line of Lot No. 67 on the Plan of Lots hereinafter mentioned; thence along the same North 46 degrees West 64.0 feet to a point on the line of Lot No. 90 on the Plan of Lots hereinafter mentioned; thence along the same North 44 degrees East 110.00 feet to a point on the Southwest side of Arnold Road, the point of BEGINNING. BEING Lot No. 91, Section 1, Plan of Louis Park, which plan is recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 5, Page 50. BEING the same premises which Housing Authority of the County of Cumberland by Deed dated June 25, 1998 and recorded in the Cumberland County Recorder of Deeds Office on July 9, 1998 in Deed Book 181, page 5, granted and conveyed unto Donald G. Alexander and Anne M. Alexander, husband and wife. Cv y i? { i' ? 3 SHERIFF'S RETURN - REGULAR CASE NO: 2007-01663 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND OCWEN MORTGAGE ASSET TRUST I VS ALEXANDER DONALD G ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon TT'DWAMTIL'D Mr)NTAT.n (?- the DEFENDANT , at 2011:00 HOURS, on the 3rd day of April , 2007 at 91 ARNOLD ROAD ENOLA, PA 17025 by handing to ANNE ALEXANDER, WIFE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 15.36 Affidavit .00 Surcharge 10.00 .00 ?I, t3/u 43.36 Sworn and Subscibed to before me this day of So Answers: R. Thomas Kline 04/04/2007 SHAPIRO & KREISMAN By. yj /Z /f-Tuty S ri f A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-01663 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND OCWEN MORTGAGE ASSET TRUST I VS ALEXANDER DONALD G ET AL KENNETH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE ALEXANDER ANNE M was served upon the DEFENDANT , at 2011:00 HOURS, on the 3rd day of April 2007 at 91 ARNOLD ROAD ENOLA, PA 17025 ANNE ALEXANDER by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 00 41 l3?p? ?,, ? 16.00 Sworn and Subscibed to before me this day of , So Answers: r f R. Thomas Kline 04/04/2007 SHAPIRO & KREISMAN By: pu e i 17 A.D. SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-01663 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND OCWEN MORTGAGE ASSET TRUST I VS ALEXANDER DONALD G ET AL R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE the within named DEFENDANT OCCUPANT 91 ARNOLD ROAD ENOLA, PA 17025 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: Docketing 6.00 Service .00 Not Found 5.00 Surcharge 10.00 .00 y'l3'?1 L? ? 21.00 So answers: NOT FOUND , as to R. ThomA Kline Sheriff of Cumberland County SHAPIRO & KREISMAN 04/04/2007 Sworn and Subscribed to before me this day of A.D. Ocwen Mortgage Asset Trust I In The Court of Common Pleas of VS Cumberland County, Pennsylvania Donald G. Alexander and Anne M. Alexander Writ No. 2007-1663 Civil Term Cpl. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on June 15, 2007 at 1330 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Donald G. Alexander and Anne M. Alexander, by making known unto Donald Alexander, personally and husband of Anne M. Alexander, at 91 Arnold Road, Enola, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Megan Marlow, Deputy Sheriff, who being duly sworn according to law, states that on July 11, 2007 at 1555 hours, she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Donald G. Alexander and Anne M. Alexander located at 91 Arnold Road, Enola, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Donald G. Alexander and Anne M. Alexander, by regular mail to their last known address of 91 Arnold Road, Enola, PA 17025. These letters were mailed under the date of July 2, 2007 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Tabas. Sheriffs Costs: Docketing 30.00 Poundage 16.64 Posting Bills 15.00 Advertising 15.00 Law Library .50 Prothonotary 2.00 Mileage 28.80 Levy 15.00 Surcharge 30.00 Law Journal 355.00 Patriot News 324.80 Postpone Sale 20.00 Share of Bills 15.69 $ 868.43 So Answers: R. Thomas K1ine,YSheriff B Real Estate rgeant ? /.Z /-I J6 -7 (? '), P c4e 1, I t/ 4? ,73? P-14.1 ?L 6,1 i SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I PLAINTIFF VS. Donald G. Alexander and Anne M. Alexander DEFENDANTS ; COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-1663 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Ocwen Mortgage Asset Trust I, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 91 Arnold Road, Enola, PA 17025. 1. Name and address of Owners or Reputed Owners Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 2. Name and address of Defendants in the judgment: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Anne M. Alexander 91 Arnold Road Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Ocwen Mortgage Asset Trust I 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: Ocwen Mortgage Asset Trust I, Plaintiff 1675 Palm Beach Blvd. West Palm Beach, FL 33401 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 91 Arnold Road Enola, PA 17025 Housing Authority of the County of Cumberland 114 N. Hanover St. Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. & KREISMAN, LL,E' R. Tabas, Esquire 07-28894 % p , SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I COURT OF COMMON PLEAS PLAINTIFF CUMBERLAND COUNTY VS. Donald G. Alexander and Anne M. Alexander NO: 07-1663 CIVIL TERM DEFENDANTS ; NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Donald G. Alexander 91 Arnold Road Enola, PA 17025 Your house (real estate) at: 91 Arnold Road, Enola, PA 17025 09-13-1002-032-EX is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at I0:00am, to enforce the court judgment of $71,152.12 obtained by Ocwen Mortgage Asset Trust I against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Ocwen Mortgage Asset Trust I the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 7? 4 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28894 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-28894 Ocwen Mortgage Asset Trust I COURT OF COMMON PLEAS PLAINTIFF CUMBERLAND COUNTY vs. Donald G. Alexander and Anne M. Alexander ; NO: 07-1663 CIVIL TERM DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Anne M. Alexander 91 Arnold Road Enola, PA 17025 Your house (real estate) at: 91 Arnold Road, Enola, PA 17025 09-13-1002-032-EX is scheduled to be sold at Sheriffs Sale on September 5, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at I0:00am, to enforce the court judgment of $71,152.12 obtained by Ocwen Mortgage Asset Trust I against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Ocwen Mortgage Asset Trust I the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-28894 Y r ? ALL THAT CERTAIN tract or parcel of land situate in the Township of East Pennsboro, Cumberland County, Pennsylvania more particularly bounded and described as follows: BEGINNING at a point on the Southwest side of Arnold Road, said point being 740.27 feet along the same in an Easterly direction from the point of intersection with the Southeast side of Lands Lane North; thence along Arnold Road South 46 degrees East 64.00 feet to a point on line of Lot No. 92 on the Plan of Lots hereinafter mentioned; thence along said line South 44 degrees West 110.00 feet to a point on the line of Lot No. 67 on the Plan of Lots hereinafter mentioned; thence along the same North 46 degrees West 64.0 feet to a point on the line of Lot No. 90 on the Plan of Lots hereinafter mentioned; thence along the same North 44 degrees East 110.00 feet to a point on the Southwest side of Arnold Road, the point of BEGINNING. BEING Lot No. 91, Section 1, Plan of Louis Park, which plan is recorded in the Office of the Recorder of Deeds of Cumberland County in Plan Book 5, Page 50. BEING the same premises which Housing Authority of the County of Cumberland by Deed dated June 25, 1998 and recorded in the Cumberland County Recorder of Deeds Office on July 9, 1998 in Deed Book 181, page 5, granted and conveyed unto Donald G. Alexander and Anne M. Alexander, husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-1663 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due OCWEN MORTGAGE ASSET TRUST I, Plaintiff (s) From DONALD G. ALEXANDER AND ANNE M. ALEXANDER (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $71,152.12 Interest 5/7/07 TO 9/5/07 IS $1,415.70 Atty's Comm % Atty Paid $199.36 Plaintiff Paid Date: MAY 8, 2007 (Seal) L.L. $.50 Due Prothy $2.00 Other Costs A&74 Curtis f. -Long, Protho By: Deputy REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 93337 TRUE COPY FROM RECORD In TadimW Weneof, l hire onto sd any hand and the wA of saW C ma at carte, AL A441 f.? 6 Real Estate Sale #,44 On June 5, 2007 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, PA Known and numbered as 91 Arnold Road, Enola, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 5, 2007 By: J L -lf? Real Esta Sergeant 90 :E ,I 1 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Shannon D. Billhime, being duly sworn according to law, deposes and says: That she is a Staff Accountant with The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 18th and 25th day(s) of July and the 1st day(s) of August 2007. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY SALE #44 'PP Sworn to and subscribed befdAf3its°tt'?"if A.p. Notarial Seal ` c Terry L Russell, Notary Public City Of Harrisburg, Dauphin County ?. My Commission Wires June 6, 2010 p0lnid Member nnsvlvanh 4ssociatinn nt Nrtari r N ARY PUBLIC of 4_i 614mo, ilk do 14?}d J°°` CUMBERLAND COUNTY SHERIFF'S OFFICE at Parr cq.*0 ,; CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 AVJ i?iibtlep,ib !!? 1Y Pfla of :? PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 20, July 27, and August 3, 2007 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. REAL ESTATE SALE NO. 44 Writ No. 2007-1663 Civil Ocwen Mortgage Asset Trust I vs. Donald G. Alexander and Anne M. Alexander Atty.: Lauren Tabas DESCRIPTION ALL THAT CERTAIN tract or par- cel of land situate in the Township of East Pennsboro, Cumberland Coun- ty, Pennsylvania more particularly bounded and described as follows: BEGINNING at a point on the Southwest side of Arnold Road, said point being 740.27 feet along the same in an Easterly direction from the point of intersection with the Southeast side of Lands Lane North; thence along Arnold Road South 46 degrees East 64.00 feet to a point on line of Lot No. 92 on the Plan of Lots hereinafter mentioned; thence along said line South 44 degrees West 110.00 feet to a point on the line of I „t No-.57_nnAhe_P1a119f 3AAa_ SWORN TO AND SUBSCRIBED before me this 3 day of August, 2007 Notary F TARIAL SEAL RAH A COLUNS tary Public , CUMBERLAND COUNTY n Expires Apt 28. 2010 i k