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IMC Mortgage Company
-vs.
Brian L. Bradshaw and Denise A.
Bradshaw
In the Court ofCornmonPleas of
Cumberland County, Pennsylvnnill
No, 99.177 Civil Term
Michael E, Barrick, Deputy Sheriff, who being duly sworn according to law, says on
April 1,199911t 3:02 O'clock P,M. EST, he posted a copy of real E~tnte Writ Notice
Poster and Description in the above entitled action on the property of Brilln L, Brlldshaw
and Denise A. Bradshaw located at 1673 Newville Road, Cnrlisle, Cumberland County,
Pennsylvania according to law,
R. Thomas Kline. Sheriff who being duly swol'llaccording to law, says he made
diligent search and inquiry for the Ilbove nnmed defendants to wit: Brian Bradshnw and
Denise Bradshaw but was unable to locate them in his bniliwick, He therefore deputized
the Sheriff of York County to serve the within Relll Estate Writ Notice Poster and
Description according to law.
YORK COUNTY RETURN: I have personally served Brian Bradshaw a copy of Real
Estate Writ Notice Poster and Description on April 7, 1999 at 10: 15 A.M, at 620 Martin
Drive. Mcchanicsburg, York County,Pennsylvania. Served by James V. Vangreen,
Deputy, ,
I have executed Real Estate Writ Notice I'oster and Description upon Denise A.
Bradshaw by handiQg to Brian Bradshaw husband on April 7, 1999 at I 0: 15 A.M. at 620
Martin Drive, Mechanicsburg, York County, Pennsylvania. Served by Jllmes V.
Vangreen Dci'lIty. .
R. Thomas Kltni:i.'S,heriffwho b~ing'dulY'swbrn according to law, says he served the
above Real EslJlte Wrll NO,ticc- Poster and Description in the followir.g manner: The
Sheriff mailed a Iiotic~of.the pendency of the action by Certified Mail Return Receipt
Requested:ReSlTictetl,QeJh'ery Deliver To Addressee Only to one of the wihtin named
defendants to wit: a~dn'Bttldshaw to his last known address 620 Martin Drive,
Meehanicsburg, Pemlsylvlll1ia~ This letter was mailed under the date of April 2, 1999 and
received by Brian'Brad~haw ~n April 9, 1999 the return receipt card signcd by Brian
Bradshaw,
R. Thomas Kline, Sheriff," who being duly sworn according to law, says he served the
above Real, Estatl; Writ Notice Poster and Description in the following mllnner: The
, Sheriff mailed a notice of the pendency of the IIctlon to one of the within named
defendants to wit: Denise Bradshaw by Certified Mail Return Receipt Requested,
Restricted Delivery, Deliver to uddress Only to her last known address 620 Martin Drive,
Mechaniesburg, Pennsylvania. This letter was mailed under the date of April 2, 1999 and
received by Denise Bradshaw on April 16, 1999 the return receipt card signed by Denise
A. Brudshaw,
R. Thomas Kline, Sheriff, who being duly sworn according to law. says he served the
above Real Estate Writ Notice Poster and Description in the following manner: The
Sherifl'mailed a notice of the pendency of the action to one of the within named
defendants to wit: Brian Bradshaw by regular mail to his lust known uddress 620 Martin
Drive, Mecll8nicsburg, Pennsylvanill, This letter was mulled lindeI' the date of Aprill3,
1999und never returned to the Sheriffs Office, '
. . du\ ~W\)tI\ accotlll\\~ \0 IIIW. ~II~~ \w set"cd the
. "",.".. ,lion, .""'., wh' 1<'" ii, '"'''' ,,, II< ""..1.. "",,,,,. thO
.." .""..'" ""II ",,," ",11"" ,,::':",'" \0 ,on ,f ,'', .""" ","" '
."'.. """, . "",,,, ,,,,,, "",,on' ' i .11 \0 "" \oil ,,,,,.' """,, ,,. ".."
defe\\dl1\\\S \0 wl\'. De\\l~e \\tlld~.\",~ "\~,~~~~:." """""."" ,''' 0..." ",,, \3,
"tl"e Mechll\\IC~b"t~. \'e"\\~~ "a\\III. 1"\1
" ' ' ." ' "r,O\ " '
\999 lI\\d \\C"et tc\ut\\eu \0 I"e . \et. . T"I' \\" \0 \IIW ~II"S \\)11\ lI{\et due II\\U
. ..... h b 1\\ 1 dill" swot\\ IICCO u., ." . I \
.. 'fhm"" '''on, ...",.".' " ' " ,," ,''' ."hI' .,,,,,,,,,,,"" ... ~
\e""\ "o\lce hlld bee\\ ~",e\\ IIccotdl\\\'&\ \0 \IIWC' nt\'I~\~ CII,,\bct\l\\\d Cou,,\)' . \\e\\\\s)'\"II\\III.
" \ "" \ the ('ollt\ . ou~e. " . . f"
""'", ".""""", " "PO" .....Id ,,,,,,,, ,., ,''' .."" ·
'" ,,,,," ,""" \0.00' ,'ook ". : 'r 'MC ",.",' ""''''', ",,-- '"'
,,.,000.00 " ,""'"'1 ._ .""", 0< ",,,,,,,,.. ro< ~".", ,,,C ",.,,,, .
".1"," " ""., "" ",,,." ",0 ~ boO" . " .1<.. R. thO"" ,II'" II< .." ,I
C ",pon" \<'''' ,'" "",~d. I~" b'OO'"'' 1"" ,.
S 3.561.5 \. \\ be\\\~ Shetlff' ~ Co~\s.
Shet\ff'S Costs:
DoC\:.e\\\\'&
pou\\dllge
pos\\\\~ 'B\\\s
I\d"ert\s\\\1!.
i\c\:.\\ow\edl!.\II~ deed
l\uc\\O\\eet
\.,IIW t,ibtlltY
CoU\\\)'
M\\ell~e
certllied MII\I
\~e")'
Sutchnt,&e
out of CoU\\\)'
'i ot\:. CoU\\tY
\.,e,&lI\ Sentch
\"IIW loUt\\II\
PII\t\o\ NeWS
ShIIte of B\\\s
D\s\t\bll\\OI\ of \'tOceed~
Sheriff' ~ Deed
30,00
'2.400,00
\5.00
\5,00
30.00
\0,00
.50
\.00
3.\0
\'2..&6
\S.OO
'2.4.00
9.00
31.30
'2.00.00
33\.'2.5
355.50
'2.'2..50
'2.5.00
~
S 3,563.5\ pD. B)' i\\\)' 1.20.99
.
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TITLE REPORT
THE PREMISES ENDORSED HEREON ARE SUBJECT To THE FOLLOWING
ITEMS, WHICH WILL BE EXCEPTED IN THE POLlCY UNLESS SATlSFAcrORY
EVIDENCE PERMlnlNG THEIR REMOVAL IS PRODUCED.
SHERIFf<' SALE NO, 37
Held WednesdllY, June 9, 1999 Dllte: June 17, 1991)
TAXES: Receipts for all taxes for the years 1996 to 1998 Inclusive. Taxes for the CI.lrrent yellr
1999.
WATER RENT:
SEWER RENT
Company assumt's no liability for privutt', supply of water 01' sewer.
Receipts to be produccd if services arc lienable.
MECHANICS' AND Possible un filed Mcchanics Liens and Municipul CJuims.
MUNICIPAL CLAIMS
MORTGAGES: Listed Under Othcr Exceptions Below,
JUDGMEN1'S: Listed Under Other Exceptions Below.
INSTRUMENTS TO BE PRODVCED: Deed from Cumberlund County Sheriff to
dated , 1999, and recorded
. 1999, in Cumberland County Deed Book ,Page
RECITAL: BEING the same premises which First National Bank of Mifflintown by Deer! dated
February 25, 1994 and recorded March 2, 1994 in the Office of the Recorder of Deeds in und for
Cumberland County at Carlisle, Pennsylvania in Deed Book 102, Page 221, granted and conveyed
to Brian L, Bradshaw and Denise A. Bradshaw. husband and wife.
OTHER EXCEPTIONS:
I . The identity and legal compctelll~y of parties at the closing of this title should be
established to the satisfaction of the closing attorney lIcling for this Company,
2, Rights or claims of purties in possession, if any, other than the owner,
). Unrecorded casements. discrepancies or conflicts in boundary lines, sh0l1age in area
and encroachments which all accurale und complete survey would disclose,
4, Payment of State and local Reul Estate Transfer Taxes, if required.
5. Public and private rights in the I'OllClbed of P A Route 641, known as the Newville Road,
dedicated 25 feet from the centerline,
6, Conditions, easements and restrictions shown on or set forth on the Subdivision Plan
for Lee Finkenbinder recorded in Plan Book 41, Page n and the Subdivision Plan for
Lee K. Finkenbinder recorded in Plan Book 76, Page 86.
7, Mortgage in the amount of $160,000,00 given by Brian L Bradshaw and Denise A.
Bmdshaw to Industry Mortgage Company, LP. daled April 4, 1997 and recorded
April 9, 1997 in Mortgage Book 1374, Page 266.
Complaint in mortgage I{lredosurc filed by (MC M0I1gage Company against Brian L.
Bradshaw and Denise A. Bradshaw t1Ied January I I. 1999 in the Office of th~
Prothonotary of Cumberland County to No. 99-177,
8, Mortgage in the amount of $8,170.8) given by Brian L Bradshaw llnd Denise A,
Bradshaw to Northwest Consumer Discount Company dated November 5, (997 and
recorded November 6, 1997 in Mortgage Book 1414, Page 1124.
9. Uniform commercial code finullcing statement given by Brian L, Bradshaw and Denise
Bradshaw doing business as BLB Sound to AT&T Small Business l.ending filed in the
Office of the Recorder of Deeds for Cumberland County on October 30, (996 to uce
File No, 532 (,
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PROOF OF PUBLICATION 0.' NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587. approved May 16. 1929), P. L,1784
STATE OF PENNS\'l.VANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. Morgenthal, Esquire. Editor of the Cumberland Law Journal, of the County
and State aforesald,.being duly sworn, according to law. deposes and says that the Cumberland
Law Journal. a legal periodical publishcd in the Borough of Carlisle in the County and State
aforesaid, was established January 2. 1952. and dcslgnated 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, I\nd 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:
APRIL 23, 30, MAY 7, 1999
-
Affiant further deposes that he Is authorized to verify this statement by the Cumberland
Law Journlll, a legaJperiodical 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.
Il&AL _TAft IIAL& NO. 87
Wrtl No. 99.177 Civil
IMe Mort~a"r COl1lpnny
va,
Brinn L. BfRdsllHw und
Delllse A. Brndshllw
Ally,: Kimberly d. Hong
IAlNG ~'ORM Dr,SCRII'TJON
ALl. THAT CERTAIN Imcl 01 '"nd
sHuatt' In WeAt Pflnnshorfl Town-
ship, Cumberland County I Pennsyl-
vania, boundr:d and descrihed In nc.
cordnnce with Plan for u-e F'lnkrn.
binder. prepored by Lorry V, Neld.
linger, p,g., dntrd Novcll1bt'r 9, lOA I
nnd recordt~d 1n the Ofrlce of the
Retarder of Deed. for Cumberland
COllllly 1" 1'18n Rook 41. P"Re 72. aa
folio,"":
BEGINNING 01 0 pllllll In Iho
cenlerllne of PA 64) 1\1 lands now or
formerly or I.ee F'1I11(I'nhlndr.r;
thl.'lwe .-iou#( Inllds flOW or forlllrrly
of Flnk(,lIhlndrr, north II d('~rt'f'~
20 Illlnlllt's 2R tlt~c'ur)(18 t~fl81 294,00
(COtt to an Iron pin: thrlwr HlIII along
the ARllle, North I deArres 49 min.
utell 00 Ittcondr. Wetd 25f>,2a feet to
an Jron tUlll thclw(' 8.~1~1 t\lo!~~ I~Uld8
__... __ 1__.... __.L
("" / DyJl(/i~
Roger M. Morgenthal, Editor
SWORN TO AND SUBSCRIBED before me this
7 day of MA Y.J.222..
~~" i)'/~~/<1Iji-"')
I'IOTARIAI Sf Al
lotfi~, SNVO!R, Nolory ....bllc
Carl~l. Ioro. (umb.ria.... County, 'A
My Cnrnrnillion hph.. Ma~h 5, 20(11
O. J~ ,~pjJnl\ed MlIY Ie" 1929), P. L.1784
STATE OF PENNSYL VANIA :
COUNTY OF CUMBERLAND :
ss.
ROller M. Morllenthal, Esquire, Editor ofthll Cumberland Law Joumal, oflhe Counly
and Statc aforesaid,.being duly sworn, according to law, deposes and says that thc Cumbcrland
Law Journal, a leg\ll periodical published in the Borough of Carlisle in the County and Slate
aforesaid, was eslablished Janunry 2, 1952, and designaled by lhe local courts as thc official legal
pcriodical for the publication of all legal notices, and has, since January 2, 1952, been regularly'
issued wtlekly in the said County, and lhat the printed notice or publication attached hcrcto is '
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Joul'llal on the following dates,
vizl...
APRIL 23, 30, MAY 7,1999
-
Amant further deposes that he is authorized to veri fy this statement by the Cumberland
Law Journal, a legal periodical of general circulation, al1d that he is not interested in the subject
mlltter of the aforesaid notice or advertisement, and that all all~gatiol1s in the foregoing
statements os to lime, place and character of publication ore true.
1lMJ. UTA1'& IAUI KO. 37
, ~
Writ No. 01H7'1 Civil
IMe MortgnAe COlllJ/uny
v.,
8r:tan L. Drndollaw Rnd
n~nlse A. Bradshaw
Ally.: Kimberly J, "onR
LONG ~'ORM DESCRIPTION
ALL THAT CERTAIN tract o.l,lIld
situate In West Pennsboro Town-
ship, Cumberland County, Penneyl-
\'81110, bounded nnd described In ac-
cordance with Plan for Ler fJnken.
binder, pr.p....d by Larry V, Neld.
IIng.r, r.E" dat.d Nov.mber 0, 1081
and recorded In the Office of the
Reeordtlr or D..d. ror Cumb.rland
Counry In Plan Book 41, PlIlle 72, aa
roll."..:
BEGINNING al a point In the
cenlerllne or PA 641 at land. now or
formerly of Le~ Finkenbinder;
thence "'ong lands now or formerly
of Flnk.nbl;"I.r, north II d.gr.es
20 minutes 28 seconds ERIt! 294.00
(eet to an Iron pin: thence stili along
~. the BlUitt:, North 1 degrees 49 min-
i utes 06 seconds West 255.23 feet to
! 8n Jron pin: thence stili along lands
now or formerly of Lee I"'jnken~
binder, north 71 cleW'ees 35 minutes
49 seconds East 135.04 feet to an
Iron pin; thence along lunda now or
formerly of Ousnr Gilbert, South 29
J degrees 39 minutes 48 secondo b~ast
. 3JO.33 feet to nn Iron pin: thf;nce
J along land~ now or formerly of Lee
! .'Inkenblnder. South 84 degrees 08
I minutes 33 Bcconclo West 222,71
1 fellt to an Iron pin; thence 81111 along
1'- IImds now or formerly of Finken-
hinder. South 11 deArces 20 fIlln.
I utes 28 seconds West 302.60 feet to
i R point In the centerline of PA 641:
, thence along the centerline of PA
I 641. North 86 c1eArees 29 minutes
j 40 seconds W(~8t 50.47 fel't 10 n
point: Ihe plllee of IlImINNINO.
HEINO Lot No, 2 on Iht: ahove
menUoned Plan of l..ot8 Rlld CCJntuln-
Inl( 1.535 acreR Rnd havln" thereon
erected a one fwd ont-lInlr story
dw.lllng,
BEING th(~ slime premises whlc:h
First National Illlnk or Mlmlntown.
by De.d d.ted Fehrullry 25. 1094
nnd record~d hi the necordtlr of
Deeds of Cumberland County 011
March 2, 1004. In Deed Ilook 102
}loge 221, grnntrdand conveyed
unto Ortnn I.. Drntlshnw nutl Dc-nlse
A. Ilradshaw.
,.....,..
,.-'
vt1/'-___
er M. Morgenlhal, Editor
Ro
SWORN TO AND SUBSCRIBED before me Ihis
" day of MAY. 1999
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NOTARIAl SEAl
l~ e, SNYDeR, _'I' l'ublk
C<.rlitl. floro, Comb.""... C<.unty, M
My ~=oI00 bpi,.. Marc:h 5, 2001
'fr,
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IlaJ,,\un ......,.... ~....... Of"""".
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THE PATRIOT NEWS
T,HE SUNDAY PATRIOT NEWS
Proof of Publication
Und.r Ad ND. S11. RDDroU.d MIU 16. I Q~I
Commonwealth 01 Pennaylvanla, County 01 Dauphin) aa
Mlchl* Morrow being duly sworn Clccording to law, deposes and says:
Thai he I. lha A..lat.nl Controller of THE PATRIOT-NEWS CO.. . oorporaUon organized and exleUng under the law.
01 the Commonwlllth 01 Pennevlvania. with Ita prlnolpal ollloe and plaoa of buslne.. at 812 to 818 Markat Str..t. In
tha City 01 Herrlaburg, County 01 Dauphin, Slala of Pannaylvsnla. owner and publlaher of THE PATRIOT-NEWS and
THE SUNDAY PATRIOT-NEWS new.papera 01 general olrculatlon, printed and publlahed at 812 to 818 Market Str"t,
In the City. County and State afore.ald: that THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS were eutabllahed
Maroh 4th, 1854. and September 181h. 180411. rtlpeoUvelv. and all have be..n oontlnuoualy publlahed ever alnoe:
Thatlhe printed notice or publloatlon whloh la aeourely attaohed hereto la exaaUy as printed and publlahad In
thalr regular dallv and/or Sunday and Metro edlUonlllaauea whloh appeared on the 27th daV of April and 4th and
l11h day!a) 01 May 1111lG. That neither he nor ssld Company Is Intarosled In th. aubjeot matter of aald printed notloe
or a<lvertlelng, end that all of the .lIegatlona of Ihls atatemant a. to the Ume. plaoe and oharaotar of publloatlon are
lrua; and
Thai he haa paraonal knowledge of the facls aloresald and la duly authorized and empowered to verily thla
atatement on behalf of The Patriot-News Co. aforssald by vlrtua and pursuant to a resolution unanlmoualy paaaad and
adopled ..verally by the atookholders and board of dlraolors of e said Company and subsequently duly ,eoordad In
the 0"'08 for the Reoording of Deeda In and lor aald Counly of up In In Mla9 lIaneoua Book "M',
Volume 14, Page 317.
PUBLICA TION
COpy
-----------~._----....._._----
0-
Sworn to and subaorlbed before me : ~~8Ih (av of May 11199 A. D.
/" (,
TARY PU8UOI",;""
,lor!!;..:! CI,l'i\, N:l{.HY Publil~
".~ .';;;i'.-' !;),l'J:.iiliri COl,Jnl~'
;,,1, l .:1" '1, ,_',,()! I !. -\1 Jj(e'~ ..Juno 2, i!OOO
CUMBERLAND COUNTY SI-lEFSOFlil~;:;;;.:;-k;""],l!iofl 01 NOlan os
OOJRT I-OUSE
CARLISLE, PA 17013
Statement of Adverllllnu CQI1I
To THE PATRIOT-NEWS CO.. Or.
For publishing the nolloe or publication attaohed
hereto on the above stated dates $
Probating aama Notary Fee(e) $
$
354.00
1.50
355.50
IN TN" COuRT OP CO""ON PI."AS op CU"B'RUND ,
" COUNT'" PENNSYLVANiA
'''C "ORToAG" CO"PANY, ) CIVllD/VISION
)
} NO.: 1'1 - I 77
)
) ISSUE NO.:
)
) TYPE OF PLEADINO
)
) CIVIL ACTION. COMPLAINT
) IN MORTGAGE FORECLOSURE
)
) CODE.
)
) FILED ON BEHALF OF:
)
} IMC Mortgage Company, Plaintiff
)
) COUNSEL OF RECORD FOR THIS
) PARTY:
)
) Kimberly J. Hong, Esquire
) Pol. 1.0. 1174950
)
)
)
) GRENEN & BIRSIC Pc
) . . .
) Finn #023
)~ne G<1/eway Center, Nine West
) Pittsburgh. PAl 5222
)
) (4/2) 281.7650
Plnimiff,
Vs.
~
BRIAN L. BRADSHA Wand
DENISE A BRADSHA W,
Defendants.
TO ---iJ.u.Jn/d/71f
::=~~OT~}WO~
III'IHrf TWiH;y /Ill Il4W FRC\l SERVICE
~-llIIA IlfFAltT JIJOGEIolENT MAY BE
~qA TYou. 1 -X)~-'7
~1Iotney t.;' " '1i?d.' .... ,.,'
CERTFICA TE OF LOCA TICJN
' ~ CERTIFY "'I4T THE Lor~TION OF
T/of IlEA/, flrA TE AFFecTED By TillS LIEN IS
IW~RO)
;; _ 1C~"'{,'~:;y:
, HEREBY CERTIFY TffE ADORE SS OF THE
' c . . PLAINTIFF IS
, (// f, .vl,., o' '/" (
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" it
).A1~, 't.. / Y
Pl rr)
"frOntIEY rOle-
f).!) DEr
'I'Oor.nHlR WIlII.lIlhe Improver I now Ilr hcrcnfter ereclell untllo fUOI)llrll', -'.11 cnscmcnls, 'J'lpuncnwo., IIId
n..lllICU now ur IlImllfllH a pMt 01 the IIIOIII1I1Y, All replllccmenls llllll iuhUllons .hau .ho he covcrcd by Ihll 5ecl,Irlty
III,UIIIIIII1II, All (II Ih" fmegoln, Is referred to 11111111 Sccllrhy IlImulIlelll n~ Ihe ."rnl'crlY,.
JlORROWUR COVIiNANTS Ihnl Burrower Islllwfully schell o( Ihe cltnll'l herr.hy cUllvcyetllll1t1 hllsthe rlglillo morlaaac,
grnm And cOIl\'ey Ihe IIWflClrlY lInllllllU Ihe l'lllperly h uncllcumlulrell, excelll for encumbrnnces of rctortl. Uorrower warranll
IInd will dllfclld aellenlly the III III 10 Iht. ProllClIY agalnll all c1alnu and demllnds, subjecl 10 nllY cncllmhrallces of record,
TIllS SfJCURITY INSTRUMIiNT combines ullHurm coveunnls lor 111111011111 use and 1I0lHlUlfonn CUVCllllnts wllh IImiled
VilllllllOlU hy jurhdlcllullto COlulltulC. unlfurl11lecurhy hUIr\lllltill covering rt.alllroperly,
UNII10I{M COVI!NANTS, 1I0rrower Ilnd Ltnder covenanl .nd agree as rol1ows:
I. )'II)'uumt uf I'rlndllul Hnd .nluC!l11 IlfI!llIlYlll~1l1 Ilud l.ull: Chllrgc.t, narrower :Jhallllrotlll1tly pay whon due Ihe
pflndllal of IInd Interesl ullllle dehl evidenced hy Ihe Nute rmd any IlrcpnYlllonl Illltl laic charges due IInder Iho Note,
2, I,'undt rl>l' 'l'uxc.. 1I11d Ill'lUrUnce. SuhJecl CO Allpllcable Illw or to a wrlllen wnlver lIy L.emler, Uurmwcr .hall pay to
L.ender nil lhe day monthly paYlllenls .re due under Ihe NOle, unlllthe NOle II pl1ld In rull, II SUIll ('Plinth") (or: (a) )'carl)' 11I"'es
Blld llUCUlllcnlS which llIay 1l11llln prlorily ovellhls Secllrlty InstfUIllenll'lS n lien on Ihe l'rflpcrlY; (\I) yenrly leasehold paymenls
or ground renls 011 lhe Property, Ir any; (c) yearly hUilrd or properly Iruurnnr.e llUHlIlums; (d) renrly flood Imurl\flce premiums,
If any: (e) yearly rnOrlgllge Imurance premhlmt, H any; tlnd (r) .ny sums IllIYltlle by IInrmwcr to l.emler, IlIllccord.nc~ wllh
the Ilrllvlsluns of I'Arllgullh 8, I.... lilm 01 lhe paymenl of IIlQrl811ge IIlsurllllce premlulIIs. Thue hems Ilre called' Escrow hems..
I.ender llIay, al allY lime, collecl amI hold Punds In an IilUount not 10 exceed thc muhnum llllltlUnl . lcnder for a lederlllly
related mortgage loan lIlllY requlrc lor Dorrowllr'. escrow account under the fcderal Real F..ulte SeltlenulIIl Procedures ACI of
1974 u alllcnded Irollltlme 10 Ilmc, 12 V,S.C, Secllon 2601 It Jlq, ("RP.SPA"), unless .nolller IRw lhallll'plles 10 lhe Pund.
seU II lesser arTloUlll, If sn, Lender may, nl any time, clIllecland hold Punds In nn .mounl nollo elI.reed lhe lener lImount.
l.ender llIay estlmale thc al1l011nlof Punds due on Ihe ha51s of CUrrent dill" llnll rei1501111ble e5tlmates uf elI.pclldltmlls of fUlull:
Liscrow 111l11l5 or olherwlse In accordnnce with IIl'plknblc: law,
The ,Iunds shall he held In an Instltutlon whose deposits arc l/lImed by a federal IIscncy, 11I111IllTlCllUllly, or ellllly
(Including Lender, If lender Js such alllnstllutlon) or In nny flcdiJrnl flome LOlln Onllk, l..ellucr 5hallapply Ihe Punds 10 pay Ihe
Escrow Itellls. Lendrr may not chIHgc Dorrower for hOlding alld applying the r!ulllb, .1nnually nnnlY1.lu8 Ihe escrow .ccount, or
verifyIng Ihe Escrow llems, unless Lender pays Borrower Intcrest on the rumls anti apl'llcllble lilw per mils lender 10 make sl!ch
a chargc, !lowover, lender lTlay require Dorrower 10 pay a one.tlme charge fm nn Independenl leal e~lnle tu reporllngservke
used by Lender In connection with this loan, unless apI)llcablc law provldcs othurwlse. Unlcn nn ngreement Is made or
nppllcable law requires Interest 10 be paid, Lentler shallllot bt requlrcu 10 pay norrowcr allY Inlerest or ellrulngs 011 Ihe FUllds,
Uorrowerlllld Lender lllal ngree In wrlllng, however. Ihallnlerrsl shall be Ilald on Ihe funds. Lmlller shnll give 10 Harrower,
without charge, an annulll accuuntlng or Ihe Punds, showing crl'ldils alll1 dehlls 10 the Funds lUlU the pvrl'ose for which ellCh
debit 10 Ihe Punds Was made, The Funds are ph:dgr.d as addlllonal security (or 1111 sums secured by Ihls ,Cjecurhy Ins!rumont,
If Ihe PUlUb hcld by Lcnde~ exceed Ihe IImounts permltled 10 be held by Applicable lAW, under Ihltll ar.counllo Dorrower
for the e1l.CClIS Funds In lICCOrdllflcc wllh Ihe requhemenls of applicable law. If the .mOUIlI ollhe flunds held by lender'l .ny
lime Is notsufficlellllo pny Ihe Escrow Iterns when due, lent/er mllY so lIoOry norrower ill wriling, .nd, In such casc D(HrQw"r
shall pllY 10 under Iht. amounl necessary 10 Innke up the denelency. Dorrowcr Shill I mnke op Ihe ddlclCflcy In 110 more lhlll
Iwelve monthly paymenu, II Lender', sole dlscrellon,
Upon paymt.1I1 in full or .lIlums secured by Ihls Securlly Inslnllllolll, Lender ahalf fHomllUy refund 10 Dorrower .ny
Punds held by Lender, 1ft under paragraph 21, Lender .hall.cqulre or sell the I'ropeny, Lender, prIor to Ihe ocqulslllon or IIle
of Ihe Property I ..hllll apply any flunds held by Lender allhe time o( nC1lulslllon or sale III a credit 88111nst Ihe sums secured by
this Security Illslrument,
3. Applkatlon of Payments, Unless apllllcable law provides olherwlsc, all payments receIved by Lender under paraaraphs
1 and 2 shall be applied: flrsl, to .ny prepayment charae,1 due under Ihe NOle; second, 10 .lIIounls plly~blr. under pilrl.rJph 3;
third, 10 Inleresl duc; lourth, 10 prlnclpill due; and lasl, 10 IllY laic charges due under lhe Note,
4. Chllrltsl Lien.. Ilorrower Ih~ll pay .lIlaxes, Issessmenl., chargt.s, fine~ and ImposlllolU allrlbulable tt'J the Property
which may allllln prlorhy over Ihls Securily Inslrumenl, Ind leasehold paymenls or ground renls, If .ny, narrower .h.lI p.y
dlll$c oblllllltlOlu Illlhe manner provided in paragraph 2, or If nol paid In Ihal ""miler, Dorrower .hall pay Ihern onlhtlC dlreclly
to lhe person owed payment. Dorrower ,hall promptly lurnlsh 10 Lender all notices or Ilnounl, 10 be paid under Ihls paragraph,
If nlHlowcllllakes Ihese pAyment. dIrectly, Borrower shnll promptly rurnlsh 10 I.ender recelptl evldenclnllthe paymenls.
Borrower ~hallllromfltly dh~har.c nny lien which has prlorhy over Ihls Secu,lty Inslromenl unless OOffO\\lOr: (') .,reet In
wrilinS 10 the I'ayment ohhe obligation secured by Ihe lien In I manner acceplable 10 l.ender; (b) conleUs In good lalth the lien
hy, or dcfllnds agahuI cmlorccmelic 01 Ihe lien In. Ic&nl proceeding! which 1n lilt! lender's olllulon ollcrale 10 preveUI Ihe
enforcemtll11 of the lien; or (c) secures fromlhe holder ullhc lien an aareclllenl sallsfaclory 10 lender sullordlnallll& Ihe IItn 10
Ihls Securlly Inslrumen!. If Lender determines thlll allY f'.lftuf Ihe f'rol~rly Is subJecl In II lien which may :lllnhl priority uver
Ihis Securhy Inslrumenl, under ma}' give Borrower. nollce Idemifylng Ihe lien, borruwer shAll utlsfy IIle lIellor lake one or
mure of Ihe 8Clh)l" sel rurth above wllhln 10 days of Ihe giving of notlce.
. ,ORlPM !t4101 01
.
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Il11Yllll,lIlU mil)' 1It1 Inuner be rl!llulrcd, At I, .lI't 1(111 o( I.I:nller, I( mort.lI,c hllllrAlltll CO~. 4c (lnthe ',"'01.1111 111\1 ror Ih~ period
Ihllll.CIflllClI relltllrlll) I'lflvlded hy "1 InulIer 'Pllftwtd hy l.elldel agAin bel:Cll1lCllvnll.hle alld I, obllllned, Uormwer ,hall pay
~hl' IIfcmhulIs rC(lulretllO Itllllnlaln Illtlrlcngclll1urallcc In errerl, tlI 10 JIluvltlc n 11I1I11Iservc, tlllllllhc retlulremtllt (or morl,lac
Inillrancll erult III Iccoulallce with allY wrltlCl1llgreelllcnl belween !IorrOwt'r and I.tllller (If alljlllcllbllllaw,
9. '''!IU!etloll, Lender (If It! ngenlmny make lea~tmahlll elllrlel 1111011 umllnspecliolll o( lhe Ilroperly, Lender Ih.llllve
nnrHlwcr Ilollce allllll time fir or prior tn 1111 hl~l)tcllon sfltcUylll& rc.!uollahle cnule (or Ihe Inspecllon,
W, CUlldclllllllUnn, The l'r(lCetd~ or 8ny award (lr cllllm 1ur <Iamagr-t, direct 01 COllle(ltlentlal, In conllecl!on with Iny
IUlldcmnltllun or IIlher Iltklnl or any ,mrt or Ihe Properly, Of ror ('OnvL'ynllce III lieu or tOndOllllllllloll, are hr.rehy llul"m,'d Ind
Shllll lit paid to I.euder,
llllhe evelll fI( a Inllllnklllg uf Ihe l'rnperlY, Ihe pllItecth shull he "I)pllolllo Ihe .un\l Iccured by lhh SCl:lIrhy hlllrumelll,
Whtlher or IWI Iht'lIchle, wllh any e~ccu f1nldlo Uorwwcr, III Ihe cvt!1l1 tI( It IIMllnllnklnl or Ihe IIWIICUY III which the lal'
Illnrkel value or Ihe Ilropefly Immedlalely hdure Ihe Inking is tljtlltl 10 (I' gUllllcr 1111111 lhe alllount or the SUIll~ tc/;ured by Ihls
St'cur/IY IIlSlnllllCIII Inunetliillcly before lhe Inking, unlen I)olluwer "nd teuder lItherwhe aM'ce ill wrlllng, lhe sums Iccured by
Ihb Security II1~lrull1elll shall he reduced by lhe IIIII0llnl or Ihe IHO(:'cetls multiplied by Ihc (ollowlng fracllun: (I) Ihe 10111
amollnl (I( Ihe tums Iccured InuTledl.lcly bclore Ihe laking, divided by (b) Ihe ralr market vllluc or Ihe Prullerly hnmedlllely
before Ih" Inking, An)' balance tllllillle pilld 10 norrower, III tile evenl u( a paulaltnkln, or Ihe ProperlY In which lhe (air
1Ilarkel value or Ihe I'rnlleflY Immedlalely bdore lit" laking Is leu Iharl Ihe Itll\ClUnl o( the tumt ~ecu'ed Immcdlalely beforc the
I_king, unlet! llorrower Ind I.ender olherwl~e nllrec In wfhlng or unles, npJlllcahle law olherwlse lilovides, Iha proceed. thall
be applied 10 lhe 'Ullli secured by Ihl.. Securlly IlIstrumcnl whelher or 1I(lllhe SUIlIS Afe Ihell due,
illite 1Itol'erlY is abandoned by Borrowel', or Ir, arler nOlice hy Lender 10 l1orrowcr Illllllhe condcmnor offerA 10 make an
award or teUle a claim ror dalOngel, D(Jrrower r.ils 10 lespond 10 LC'mler whhln ]0 daYt niter Ihe dllle Ihe 1I0llce Is given,
Lender It aUlhurllcd 1(1 ctllleelalld lllll'!y the proC('e(b, at III opllon, ellher 10 resltua:lolI or repair of lite 1'f(ll"erly or to lhe Jurns
secured hy Ihl& Securlly Instrulllent, whcth(:r or IUlllhen dUe,
IInless Lender Ind norrower olherwlse ngree In wrlllng, DIlY al;plkalltln uf proceeds 10 prlncipal shall nol ulend or
poslpone Ihe due date of the monthly l1aYlllcnls rclcrred 10 III (lilrugrajlhs I Md 2 or clHlllgO Ihe nlllHlllll or such paymenls,
II, lIol'l'ower NClllCclensed; f<'Ul'heUrRllce JJy LClldel' Not a Wulver. HIIlensloll n( Ihe lime ror Ilaymenl or modificallon
ul Rl1Ioflilullon or Ihe sums secured hy lhls Security Inslrllmcnl granled by I.emler 10 any succlluor lullllerest or Borrower sludl
1101 Oflcrl\lClo relea,e the lIabilllY of the orlglnalIJofll1wer or (IorroWllr'! succcssors In hllr.resl. l.cnder shall nol be rtqulred to
commence proceedlllgs ogalllSl any succeUllr III Inleresl Or rcruse 10 eltlelld 11m!! ror paymenl or olhcrwlstl 1Il01liry llOOrllulloJn
01 Ihe lums secured by Ihl5 Security Irllllrumenl by reaton of Any dCllllllld ItHulc by the original Bllrrower or Dorrow!!r',
succeUOfl In Interest, Any forbeArance by lender In c;\crclslng any rig hI ur .cmctly shall nol be a wlllllrr 01 or prtdude the
rltercltc or any rlghl or remedy,
)1, SueCfSSOf5 IlId AssI.n. )Joundj Jolnl Plld SevuAI Ullhllltyj Co-."IIlIlCrJ, TIlc covenonts and ~.rC'emcnlt or lhls
St(;urlly Instrument slull bind Ind. benenl Ihe successors nnd ....ISl1s o( Lender Ind Donower, subjecI 10 Ihc Ilfovlslon. or
IlaraGtllph 17, Borrower', covenants and agrecmcnlt Ihall be john and soven". Any Bonower who co.slall' Ihls Sec:urlly
lllmuhlunl bUI does nol ellecule lhe Nola: (ft) Is I:o.slgnlng IhlJ Sel:urllY ItlSlnllnenl only 10 mOrll.le, i'ranl Ind convey Ih.1
BorrowClr's Inle,c51 In Ihe Ilroperly under Ihe terms o( Ihls Security In~trument: (11) Is IlUI personlllly obllgaled 10 pay the syrm
sccurtd by this Securlly IMINlllenl; Illd (c) agrees Ihall.cnder and any olher lJorrowe, may agree 10 ulend, modify, (orbC!.r or
mnko any accollunodallol1l wllh rel"ultlo the ICflIlS of lhlt Security InslnlOlenl or Ihe Nole wilhoullhntlJorrower's consent.
1J, lOIlD ChllfgC5, If Ihe 10111 secured by Ihls Security 'nmumeIU Is lubjecllo . law which SCIS lIIadmurn loan charles,
IInd Ihlll law Is finaliy IlIlerprcled 10 lhal lhe Inlerell or olhor loan charget collected or to be I:ollecled III connecllon wllh Ihe
loun c~cced lhe perl1lliled IImlll, Ihen: (01) any such loan charge shall be reduced by Ihe 3mouIU nccmary to reduce Ihe chlrac
10 Ihe pefmlllcd Iholl; and (b) any IIIIUS already COlleOll':d rrom Borrower which eAcecded pcrmlued Iimll5 will be rerunded 10
norrower, I.ender may choote 10 make Ihls refund by redueln. Ihe principal owed under lhe Note or by mlJdnl I dlrecl
IlllYlllcnl 10 Durrowcr, If a refund ,educe.. principal, Ihe reduction will be WIlled II a pilrlllll prepayment without any
I'rcpoYlllelll charge under the Nole.
14, Noller.!, AllY nollcelo Borrower provided (or In Ihls Security Inslrumenl thall be alven by dellvorlnall or by maUl"a
1\ by fiUI class mall IIl1les$ applicable law re(lulres use or "nolher melhod, The nollce ,hall be diu:cled 10 Ihe Properly Address
or nny olher addreu Borrower designates ilY Ilollce 10 Lender, AllY 110lke 10 L.ender shall be liven by nrsl clus mall 10
lender's ,ddrc!1 slaled herelo or Iny olher IldtlreSJ lender detl,nAle.s by nollce 10 Borrower, Any notice prOVided lor In Ihls
Securll)l Inslnll,lcnl shall be decmed 10 hIVe heen alven 10 Borrower or Lender when alven It provided In Ihls parllr.ph.
IS. (]ovetlllnK I.awl Sc\ltrahlllly. This SecurllY In~IrUl1lenl Ihall be govewed by rederlll law and Ihe law oOhe
jllrl~dlellon III which Ihr: Property I' localed, In Iho evenl Ihlll allY provision or c1l1ute of Ihit Seturlty InSlmmelll 0' Ihe NOle
cOIlOlcl~ with applicable law, such conOlct shall nol .r(eCI olher provisions of this SecurllY Inslromenl or the Note which Cln be
gIven dreel wilholll Ihe connicllng provision, To Ihls end Ihe provisions or thl~ Security lnstrumentllnd Ihe Nole are declared
III be severable.
16, lIolTowcr's COllY, IhllftlWer shall be given one cOllrormed copy or Ihe NUle ami o( Ihls Security InSlrument.
Form 3031 '"0
~.8AtPAlI'UIOI"1 ~ft.(GI' WIIIlti~
pJ
11. 'J'nlll~rer or thcl1rul1cny Of U IIcndlclullulcrcsllll Jlnn'u\u'l'. If all i}f any pnrl of the IJroperl)' Of any Inlcrellln It
Is Inlll or uans(wlltl (or If A beneficial inlerest In lInrrowcr Is solt! or H1unfcrrCllnlld Harrower Is nulft nawful penon) wllholll
Lender', jlrluf wrlllclI CllIl!CIII. 1.,(1IUI,l( IIIi1Y, III ll~ ollllun, fC1lulrc Inllllctllnlc p"yment In full uf all 'Ulll~ ,ccUfcd by lhl.
Securlly lntllllrlllllll. fluwcvo" Ihls ofltlun "lilll mil he cxcrcl.cd I)' Lender If c.'cn:i"c Is f1rohlhllCll hy (cdcrallllw l1' (If the dale
or lhh Sccurhy InurUlIlcnl.
If l.ellder Cltcrclses this opt lOll, under Ihallalvc Burrower notice ur accclcrlll!oll. The nOllce Iha!lllrm'itle 1\ Ilcrlod of hol
leu than 30 dny' (,011I the illite Ihe Ilollce Is delivered or mailed wllhln which (Jurrvwer IIlIlSI flay III SlIIllI secllred by Ihll
Sct:urll)' Ill:ilnllllenl. If lIorrower 1'.11110 PlY Ihese 5111115 prior 10 lhe uplrntloll of this period, l.end,'r l11ay Invoke any remedlcl
pCflnlllcd by Ihb Security InJlrllllleflt wlthoul furlher notice or demand on lIorrowcr.
tit, UcU'ro"'cr'. "'ilhl In Relllslute, H norrower meets certain C(If1(l\llolll, DOHowcr shall IHlve the right to hive
enforcement of thl.. SecurUy IIl1lrlJmellt dlsc.;ulltlnuetllu any lime prior 10 Ihe ellrller of: (u) .5 day. (ur sur:h olher period a.
nppllcahle Inw ma)' ~1't:cH)' for relnllUlelllCll1) hc(ure .ale or the I'rorerty puuunlll to any power or sale conlalned In Ihl.
Sccurlt)' Inslrumenl; or (Ii) entry of n JUllg1ll1l1ll cnfllfclng Ihls Security Instrulllent. ThO!c cUlllJIII0I1S me thlll Uorruwer: (n) par,'
Lender allsUIIl:i which thell would he due ululer Ihb Security IlIstnlll1Cl\1 IInd lhe Note 11$ If 110 accclenllloll had occurred; ( ,)
cllrts nlly dllfnullllf any olher covenants or agl~l!~llcllts: (c) pays all expenses Incurred ill enforcln(lj Ihh Sccurlty InslrullllllII.
inducllllf' bUllWI Ihulled 10, rCiuollAhle uHonleY5 fellS; nnd (II) Inkc.~ such nclloll 115 l.ender IllIlY rCi\Sonllbly rC'llIlre 10 nuure
lhnlthe len IIf Ihls Sr.curlly lll!U\llIlClll, Lender's rlghls In Ihe Properly nntl IJtllrtlwcr's ohllllnllull 10 pay the SUlIIS secured by
Ihls Security 111~lrumellt shall cOllllnuc ullchanged. Upon rclmlatcmelll hy lIorrowcr, lhls Security lll,\lrumcnl and Ihe
ohllgallons secured herchy shall ftlllaln fully efrectlve a, if 110 acceleration 1111<1 occurred. Uowcver, Ihls rlghllo relnsllue shall
1101 Ol'llIy In the case (1f accelerallon under I'arugrnph 17,
t9. Sale or Noh.!j ChulIac or 1,0I1n Senlrer, The Not~ (1f a pArtial Interesl In Ihe Nole (Iogelher with Ihls Security
Inslrumen!) may be sold line or morc limes wllhoull1rlor notice 10 narrower, ^ sale may resullln a change In Ihe enllty (known
liS Ihe "toan cSllrvlcer") Ihat colltcl~ monlhly pllyments c,Jue under Ihe Nole i\lllllhls Securlly Instrumenl. Th~rc olso may be aile
or lIlort! chnugcs (If Ihe Loall Servlcer unrclnted 10 a ufe of Ihe Nole. I( there h u thauSt of lhe Loan Servlcer, Darrower will br.
given wrlllen Ilollcc of Ihe chnnge In accordance willi paragraph 14 above alld npllflcnhlC' law. The noUce will state Ihe name and
nddre.u of lhe new l.oan Servicer Ind the addrcss to which paymenl, should h~ lIlade. The notice wlllnlso con lain any other
l"for/11.1110n re(lulred hy lIjlplicable law.
l!), Itnmrdou!i Suhshmc-a, Borrower .hallllol cause or perniil Ihe presence, use, dlsposnl, slorllge, or relelUc of Iny
Hal.RUlolls Subslances 011 or In the Property. lJarrower .hall nol do, IInr ulloYl 3n)'one else to do, ntl)'thlns .((eellna Ihe
"roperty lhlll h III vlolalion of Iny P.llvlronrnenllll Law, The pn:cedlns two stnlcnccs shallllot Apply to Ihe presenc", use, or
sh1rllgc 011 Ihe I'wpeny of IllIall qualllllles of lIazardous Subslnllccs IhM arc gencrnlly recognized 10 be lIpproprlate 10 normal
residential lUes and 10 malnlenance of the Properly.
Uonower shall promplly alve lender written nolke of all)' invesllgallon, t:lalm, demand. Inwsull or olher acllon by any
~ovcrnl1lenlal or regulalory afency 01" prlvale pany InvolYlng Ihe Property and any Hazardous Substance or I!llv!ronmenl.1 yw
of which Borrowllr has acWa knowledge, If lJorrower learns, or Is nmlfied by any Goyernmerllal or regulalory IUlhorlly, Ih.1
any removal Of other remedial Ion of MY lluardOlu Substance afCecllng Ihe Properly Is neceuary, Borrower shall promptly IlIke
-"II necessar)' rem{ldlal acIlon5 In Iccordance wllh E!llvlronloenlal Law.
As usetlln this purasraph 20, "'''l:llltdous Substances" ate those substAnces denned as loxlc or hazartlous .uh~lances by
f3l1vholluumtnl taw and Ihe following SUU!:lilIlCes: gasoline, kerosene, othcr njlmmAblc or loxic IlClroloul1l producls, 101llc
IIC~llcides lInd herbicides, yolatlle solvellls, mnlerlnls cOl1llllnlng asbeslos ',r Cormllldehyde, and rudloacllve materials. AI used In
Ihls parllgraph 20, "[llylrunl1lenlal l.llw~ meallS federal hlWS and laws uf Ihe Jurls/Ilction where Ihe Ilrollerty Is locnted thill
relate 10 heallh. satelY or enyltnnmenlal prolecllon.
NON.UNIFORM COVf;NANTS, lIonO\ur and Lender rur1hcr COVellll1nt nlld agrce PS folio,,,,: '
11. Acceleratlolll Uemedlu. Lender shQIIlllvc notice 10 lIorrmycr prior 10 AccderBllolI folll,,\'III& IlQrruwer'J breach or
allY covl!flIUlI or agreemcnt III this SccurUy Inslrument (bul nol prior III aceelerallon uuder paragraph l7 unleu
uPlllleub'e luw IlrOYldu olllerwlse), I.endrr shollllotlfy Borrower or, 011I01111 olher thin,,,: (a) the defoult; (b) Ihe .c(Jun
re1lulred 10 (Jue lhe detllulll (c) when the ddault musl be curedl And (d) 111111 rullure to cure Ihe ddaull as sp<<lned mllY
result hi Qcc:elentlun of the .unUl .eeured by thls Security Instrumenl, rondosu... by Judlclll proceedhl. and .ale of .Ile
Property, Lender shall further Inronl1 Borrower or Hlt! rllhllo reln~l.te Drier Iccf.lenU(Jn and Ihe rfahllo assert In Ihe
foreelo,ure pruceedlna Ihe noooCAJ.glellee of. ddalllt or any other derense of DorrCtwtl' tu acceleration IlId foreclosure. If
the default III nol cured a.1Ipedned, Lender, allu optlon. may require IUlluedlote pDymemlln lull of aUluml .ecured by
Ihl!i Stcurlly Instrument wllhoul further demAnd IUld mllY roreclose Ihls Securlly Inslrument by Judlcl.1 proceed'n,.
I.euder Ihall he enlllled to ~olled all tJlpelUU Incurred In pUrluhl' Ihe remedIes provided III Illls pangnph Z ,
lncludhllh hul uollln1l1ed 10, allorneys' fef$.nlld costs or IUle evidence Co Ihe "llltml penulUed hy 1Ip(llIcable la\\',
12. Ihlea!e, Upon poyment of all II.101., lecured by Ihls Securlly IlIsln/mllnl, Ihls Security In51r1lll1enl and lhe fSlalc
con..eyed shalllermlllale Ilnd become yold, Afler such occurrence, un(jtr 8hall dlscharae /lntl salidy Ihls Security Inslrumenl
WilhoUI charse 10 Borrower. Borrower shall pny nn)' recordallon cost.,
23. \fahets, Ilorrower, 10 the Ulenl perll111led by nppllcablc law. waives lInd rele:lses any error or defecls In proceedings
10 enforce this Sccurlly In.'lmmenl, .nd hereby walvcs Ihe benenl of any present or Cuture laws pruvldlng for slay or eltecullon,
eXlcnslon of time, uemptlofl from IUlIchmelll. levy lllld sale, and home.\lcad cxemptlon,
24. JtclllMlltemcltlllerlod. Borrowt"s lime 10 rclnslale provldtd in paragraph 18 shall elllend tll Ol1e hour prior 10 the
t:Olllmencomenl of bidding al a sheriff', sale or olher sale pursuanllo Ihls Security '",uument.
25. I'urduue Mone)' Mortlllae, H any of the debl secured by Ihls SecurilY Inslmmonl Is lenl 10 narrower to aC1lulre title
10 the Property, Ihls Security In~Ullmenl shall be a IlUrchase money mOUgage. .
26, Illlcrc,~1 Unlo Arter JUlIAllU:III, Oorrowcr ngrecs lhallhc Il1lcrc~t rlllcllilYllhlc nflcr a jUllg"'CI1II~ enlcred ollthc Note
or in iln acllun of mortgage foreclosure shall be lhe rale payuhlc frollllll1lc lullUle umlcr lhc Notc,
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