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TooeTIIER WITH alllhe Iml1rovehuI/11I now or heruner erecled on Ihe prnEHHl11'nnd nl! en~emenl!, ltflPurlenance" nnd
. ti:lluru now or hllrellner II part of Ihe proplHly. All replacemenls antlnddilions ,hRIl UhlO he coveretllJy Ihi, Securily Inslrumt'nt.
All fl( Ihe (oregolng b referred 10 In thl, Security Inslrument as the -ProllerIY"
BORROWER COVeNANTS Ihltt horrower Is lnwfully scl~ed of Ihe e,lale herchy conveyed Rnd hn. Ihe righl 10 grllnt IInd
convey Ihe ProperlY and thnl Ihe Property III unencumbered, cxcepl for encumbrnnces of record. Borrower warmnls nnd win
d.r.nd cenerally Ihe Hlle to Ihe Properly againsl aU claim'lInd demands, .ubject 10 nny encumbrnnclll of record.
THIS SeCURITY INSTRUMENT combines uniform cOVenanls for Mllonnl use IInd notl.unlform covenAnls \llilh limiled
Vlri.1/0DI by jurisdiction to con,tllute I uniform security Jnsfrurnem covering rcal property.
UNIFORM COVeNANTS. Borrower Dnd Lender covennnt and Rgree as followlI:
I. PD)11Jcnt or Priru:lpnJ and 'nlereslj rrepllymi:1I1 and Lale Chl1l"gcs. Borrower shall promptly pny when due Ihe principnl
or .'nd lntcrlllt on the debt evidenced by the NOlO and Iny prepnyment Rnd late chnrges due under Ihe Note.
1. Funw (or Tl\l(cs and Insurance. Suhject to appUcable law or 10 . wrillen waiver by Lender, Borrower shall pay to
Lender on tbe day monlhly paymenl. Bre due under the Note, until the Nole Is paid in full, a sum (-Funds-) (or: (a) yurly laxu
Ind aue...menll which may altaln priority over Ihls Security lnslrumenl II a lien on the Property. (b) yearly leasehold payments
or Il'ound renls on Ihe Property, if an)'; (c) yearly hunrd or property insurance premiums: (d) yenrly flood insurance premium" if
Iny; (e) yearly mongage insurance premiums, If an)'; nnd (f) any sums pa)'Rble by Dorrower to Lllndllr, in nccoriJnnce wilh Ihe
provirions of para&raph 8, in lieu orlhc paymenl of mortgoge insurance premiums. TheSI! items are call~d -Escrow hllms:
Lender may, al any Urn II, collect and hold Fund. In an amnUnt not to exceed the mlUdmum IImouDI a lender for a fedetRlly
relaled mortgage IOlln may require for Borrower's eRcrow account under the fedelAl Real ElIlale Sllulement Procedures Act of
1974 IS amended from lime to time, 12 U.S.C. ~ 2601 et seq. (-RESPA.), un leu anolher law Ihal applies 10 tbe Funds .el. a
le~ler amOUnl. If '0, Lender may, al any lime, collect and hold Funds in an amounl nol 10 eXceed Ihe lesser Rmount. Lender may
e.tlmale Ihe Rmounl of Fund. due on Ihe baRi~ of current dala and reasonable eSlimlltes of txpenditures of future Escrow hems
or olberwise in accordance \llith applicahle law.
The Funds shall be held in on In.'titulion who,~e deposils arc inllured by A federnl ag.ency, inslrumenlality, or entity (includin~
Lender, If Lender is .uch an institulion) or in any Federal Home LORn BRnle. Lentl~r RhRII apply Ihe Funds to pay lhe e$crow
ilem.. Lender may nol charge Borrow:r for holding IInd applying the Funds, annunlly analyzing Ihe C$crow account, or verifying.
the BJCrow hemll, unleM Lender pa)'K Borrower inlerellt on Ihe Fund. and applienble law permits Lender 10 mnke such a chnrge.
However, Lender may requiro Borrower 10 pay a one.time charge for an independenl real eslnle tl\X reporting service used hy
Lender In connection \llith Ihis loan, unless applicable law provideR olherwise. Unle:(.. an agreement ill mnde or'appljcable law
requlru intereal 10 be paid, Lender ,ha/l not he required 10 pay Borrower any intere:ct or earnings on Ibe Funds. Borrower nnd
Lender may ag,ree In wriling, however, lhal interest shan be paid on the funds. Lender shnll give 10 Bnrrower, \l,ithnul charge, IIn
'nnull accouallng of the fund. sho\lling credit, and debilS to the Fund, and Ihe purpose for which each debit 10 the funds WR.
mlde, The fundi are pledged as additional securily for allllums secured by lbi. Security (nstrument.
If lhe Fund.. held by Lender exceed lhe amounlll permilted 10 he held byapplicahle law, Lender shnllaccollnt 10 Borrower for
lhe emu Funds in accordance \llith Ihe requirement.. of Rpplicahle law. If Ihe nmnunt of the Funds held by Lender nl any lime
ill nOlsllrticicnt 10 pay Ihe Escrow Items when clue, Lender may so notify B(lffl}wer in writing, and. in such case Borrower shaU
pay In Lender tbe amount necessary to mak.e up the deficiency. Dorrower shall make up Ihe deficiency in no more Ihall lwelve
montbly payments, at Lender's sole discrelion.
UflOD payment in full of all sums lIecured by this Securil)' (nstrument, Lender shall promptly refund to Borrower nny Funds
leld by Lender. If, ullder paragraph 21, Lender shall acquire or selllhe ProperlY, Lender, prior tn Ihe acqui$ilion or sale of the
Property, .haU apply any Funds held by Lender at the time of acquisilion or ..'Ie Oll 0 credit ogainsl Ihe sums secured by lhis
,ecurityln.lrumenl.
J, Applicnllrm nf Pnymenl'i. Unlell.. applicahle law provides otherwise, all pR)'menls received by Lllnder under pAragrnphs I
md 2 .ball be aflplied: firsl, 10 any prepayment charges due under Ihe NOle: lIecnntl, 10 nmounls payable under parngraph 2;
hlrd, 10 Interesl due; fourlh, 10 principal due; nnd lall, 10 any late chnrges due under the nOle. .
4. ChlURe..l Lien'!. Borrower lIhall pay ;111 tlllles, allllellStncn1s, chargell, lines nutl impu.~ilion' nllributnblc to lhe Properly
Ihich may allain priurily over lhlR Security Inslrument, and leasehold paymenls or ground renlll, if nny. Borrower shnll pay these
'bligalinns inlhe manner provided in paragraph 2. or If not paid in Ihnl manner. Borrllwer i,halt pny them on lime directly 10 lhe
'euon owed paymenl. Burrower ~hall promplly furni.h 10 Lender all notices of nUluunts 10 be pnid under this paragraph. If
lorrower makes Ihese payments direclly, Borruwer 3hall promplly furnish to Lender receipls eVidencing the pnymenls. .
Borrower shltl! promptly discharge any lien which hAS pnority over this SecurilY Instrumenl unless Borrower: (a) Agrees In
lrillng to the payment of the oblignlion secured by the lien in a manner Acceplable 10 Lender; (b) conteslS in good faitb the lien
y,. or defendll Mgainst enforcement of Ihe lien in, legRI proceedings which in the Lentler's opinion operale to preVent the
nforcemenl of lhe lien; or (c) se<:ure~ from lhe holder of Ihe lien an ngreemenl ltali~tilclnry to Lender suhordinnting the lien 10
Ii. Securily Inlllrumenl. If Lender determine.. lhat IIny pari of lhe ProperlY is suhjecl to n lien which may aURin priorily over
lis Security Instrumenl, Lender may give Borrower a notice idenlifying lhe lien. Borrower 3hRII satisfy Ihe lien or lake one or
lore or the aclions set forth above within 10 day! of the giving of nOlice.
5. nnz.ard or Property In~urnnce. Borrower shall k.eep lhe improvements now e,u~ting or hereaRer erected on lhe Properly
~ured sgainst loss hy fire, halo'lldll included within the lerm -extended coverage- and Rny other hnulrds, including floods or
aoding, ror which Lentler requirell insurance. This insurance shall be mainlalned in Ihe amount!': and ror Ihe periods Ihat Lender
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require.. Tho IIIIU'OIl('O Cllu;cr provJdinK 1111: Irnurnm:e .holl ho thOlen by Dorrower ~uhjcCI 10 Lelltlc,'. DPI"o"nl \l,hich Ihall not
be unreuonilbly wilhheld. It BUlIDINOf rlli" 10 IIU'linli'lin toYC!rn!;\,! de.'lcrihed above, [..crlll!!r mn,., 41 Lender'. orllon, olll:'lill c(JverilllO
10 prol'!c! Lender'" "Shii In the Propel'Y in nCCUItJonco with (J:lttl&lllllh 7.
A/llnsufllncc pol'cle. ,"J renewals Ihol! be occeplable 10 lendor IIl1d sh"Jllnchlllo 0 slll/ll.Jnrd mOlleOll1! cl:mse. Lender Ihall
h.ve the riShl 10 hold Ihe (loriele. lint! rC!l1ewlll~. IC I..ender uHlulrcs, Derrower shall 11Ioml'lly tivc to !.ender AU rcecipl' or rnitl
prrmillm. ami rencwal notice... In tllU event or lon, Dauowef Sllllll aive prompl nnllet: 10 the Insurance c:nuier and lender, Lendcr
may make proor or 10.\., If not mado pramplly by Borrower,
Unl~I.' Lender and Bouower otherwise asree In wrlllng, In~lIrnnt'e proceeds Ih:ltl be 1I11plled 10 reslornllon or repair of the
Prope,ty dllmased, ir the reslmntion or rer:lir iJ economlc:llly feasible and Lender's ~t'curily Is nol les.,cned. Jr Ihe! re.'torntion or
repair is not economically fe,:!.Sible or Lender's .ecurily would be les.,ened, Ihe In~urnnt'e proceeds shnll be applied to the sunn
.ecured hythi. Securily Instrument, whether ur not Ihen due, with any c.Ilcelt' pllld to Dlluower. Jr Borrower lI~ndons the Property,
or doe. not Answer within JO dnys 1I nolke from Lender Ihal Ihe Insurance enuier hn, orfe,ed 10 sellle 1I clll.im, then Lender mlly
collect the in.urlll\ce proceeds. Lender may u~a Ihe proceeds 10 repair or re.'lore the Propert)' or 10 pllY nlln., 5ecurcd b)' Ihis
Securily Instrumenl, whether or nol thcn due. TIle 30.t1l1Y period will be,ln when lhe lIulice i. &iven.
UlIleu wndcr <lnd Borrower otherwise llogrce in writing, any applic:uion of proceeds to I'rincipalsh:lll note.lllend or pOSlpiJne
thes due date or Ihe monthly payments rerelfel.! 10 in paragtllphs 1 .and 2 or change thu ilmoUnt of the paymenLt. lr under p:u:agraph
21 Ihes Properly I. acquired by Lender, Borrower's right 10 any insur.ance policies nnd proceeds resuhlng from d:lmage 10 Ihe
Propen)' prior to the acquisition shall pus 10 Lender to Ihe extent or Ihe sums secured by Ihis Security Inslrument immediately
prior to the acquisillon.
6. Occupancy, Presc!rvatlon, Malnlenlm:c ond rrntedlon or tlU! Property; Dnrtn'lfer', loan Appllc:lllon; Lea.tellold.. Dorrower
ahall occupy, eSLAbllsh, and Use Ihe Properly a! Dorrower'. principal residence within sixt)' days aRer tho execution of Ihis Security
lrutroment and shan con~inue to occupy the Properly as Borrower'. principal residence ror al leul one yellr after the date or
OCcuplIncy, unle&! Lender olherwlse agree~ In Wrlling, which consent shall not be ullIe:!.sonably withheld, or unleM elClenunlint
circumstanCe's exist .....hich are beyond Borrower's conlrol. Borrower shnl! not deslroy, damage or Impair the Property, allow the
PrOJlerly 10 delerior.ale, or commil w:a~te 011 the Property. Borrower .hall be In dd:ault ir .any rorrehute action or proceeding,
.....hether civil or criminal, Is begun Ihat in Lender'. good f.alth judgmenl could re~tJ/t in rorfeilure or the Property or otherwise
m:llerlaUy Impair the lien c,ealed by this Securit)' 'nstrument or Lender'. security interest. Borrower may cure such a de:(:lult and
reinstale, as provided In par:t8raph IB, by c:!.using the "ctlon or proceeding to bf! dismilt.~ed wllh II ruling thltt, in l.cnder's good raith
determination, precludes fotrciture or the Borrower', Interest in Ihe Propert)' or other 1n:!.le,i:!.1 impairment or the: Ilcn cre:!.led by
this Security Inslrument or Lender', security intcrest. Borro.....er sh:lll also be in dcf:lult if Borrower, during Ihe loan nppllC:lIlon
proeen, give malerially false or inaccurale information or sLAtement! to Lender (or failed to provide Lender with IIny maleri:ll
inrormation) in connection with the loan evidenced by th~ Note, inclUding, but not limited to, representations concerning Borrower'.
occupancy or thc Property as Q principal residence. Ir Ihis Security Instrumenl is on 11 Ic:uehold, Borrower shall comply with alllhe
prO\'isions or Ihe leale. Jr Borrower acquires ree lille to thc Propert)', the leQlehold and the ree title shall not metge unless Lender
agrees 10 the merger in writin.!:.
7, Proleclion of Lender's Ri/:hlJ in the Property. Ir BorroWer rails to perrorm the coven3nb :lnd :lgreements contained in this
Security (rulrumenl, or there Is D legal procecdlnK th3t m3Y signHic::tntly a(rect Lender's rlKhts in the Property (Iuch :!.s :I proceeding
in b3nkruplcy, probale, ror condemnation or forrellure or to enforce IIlM or regul:!.tion51, then Lender may do and pay ror whatever
is necc",ary 10 protect lhe value of the Properly and Lender's right:s in the Property. lender's nclions may include p"yinS any sums
secured by a lien which h:ts priority over Ihls Securit)' Inslrumenl, :appe:lring in courl, p"ylng re:tsonable aUorneys' rees :and cntetin8
on the Property 10 m:ake repairs. Allhou8h Lender may lake :letion under Ihis paragrnph 7, Lender does not hIve 10 do 10.
Any amount! di~bu"ed by Lender under this (lluDgrnph 7 shall become additional debt of Borrower secured by this SecurilY
Instrument. Unles., Borrower and Lender agn:e to olher terms of paymenl, these :lmnunts ,hall be:tr inlerest from lhe date of
disbursement at Ihe Nole rate and 511311 be (l:tyable, with interesl, upon notice from Lender 10 Borrower requesting payment.
8. Mn"~a.l:e In.,urance. If Lender required mortgage in~ur:lnce as n condition or making the loan secured by this SeCtlrilY
Instrument, Borrower shall pay the premium~ required to maintain the martg"8e insurance in errect. Jr, ror nny re3son, Ihe
mortga8e imurance coverage required by Lendcr lapses or ceases 10 be in efl'ect, Borrower shall pay the premiums required 10
oblaln cover:lgc sub~tanli:llly equivnlent to the mortgagc insurnnce previou5/y in errect, at II. cost subslantlally equivnlenl 10 the co.st
to Borrower of the morlgllge insurance previou51y in erfect, rrom an ::tltcrn:lle morlg3se ir1.,urer approved by Lender. Ie substanllally
equivalent mortgage iruurancc cover:lge Is not av.,ilable, Borrower shnl! pny 10 Lender e:ll:h month a sum equ:!.lto one.twelnh of
Ihe yearly morlgage insurllnce premium being pnid by Dorrower when Ihe in,urllnce cover:!.gc Inp:o;ed or ceased 10 be In erreet.
Lender will ucepl, use and telain thclIe pllymenl.t as :1 ltn'l rellerve in lieu of mOrlS:lgc insur:ance, J..o.u reserve pnyment! m:!.y no
longer be required, at the opllon or Lender. if morlgase insurtlncc coverage (in Ihe Qmotlnt llnd ror Ihe period Ih31 ~nder
requires) provided by an in.,urer apptoved by Lender :tg:!.in becomes available and Is ohl3incd. Borrower shall pay the premiums
required to m:lintain morlgage insurance in errcCI, or 10 provide n loss reserve, unlil lhe requirement ror mortg"ge insurnnce ends in
accordance with any wriUen agreemcnl belween Borrower and Lender or applicnble law.
9. Int:peellon. Lender or Its lIsent may make reasonable entties Upon and impcctions of the Propelly. Lender shnll give
Borrower notice al Ihe time or or prior 10 lln inspection lIpecifyins: rC3~on:!.ble C3u~e for Ihe in~pection.
10. Clndemnallnn. The proceed~ of :lny aW3rd or claim for d3mnges, direct or consequential, in conncction wilh 3ny
Single Family.. Fannie M:telFreddie Mnc UNIFORM INSTRUMENT .. Unirotm Coven:lnt$ 9/90 (page J IIf 6 p:ssesl
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conJemnaUnn or (JlhN lAkIn, ot Any pari ot thc I'ropcrty, or tor conve)nnel! In lieu ot c:nndemn:allon, lUa hereby IIMi&nrd Ilolld .hnll
bo1 paid to Lender,
In Ihe evt!nl Ilt a lolnl tlklnl: of Ihe rlll!'erly, Iho Junceud~ .hnll be lIJlI,Uedto Ihu IUII1' laeured hythl, Security II\!lrurnent,
whether or not then due, with any exce.u paid In Dnrrower. In the evenl ot II rllrllAltllklll' at the rroperly In which Ihe tlllr muket
vllue of the rroperty Immedlllely before Ihe IlIklnl I. equ31 10 or Itellter Ihlln tha nrnotlnt or the lum. secure'" by thb Securlly
Intlrumenl immediately before the tAkin,:, unlcu Douower and Lender otherwbe Ilsrel! in writlns, the IUnu secured bylhl. Security
lrutrumenl .hln be reduced by 'toe ImOllll' or the proceed.. multiplied by the rollowinll rrnclion: (II) the lotlllllmount or the lums
.ecured immediately heforc the lakln~, divided h)' (b) the r.air mllrket volue or the rmperty Immedlll.lcl)' berore the l:akinS. Any
b.lllnce Ihllll be r"id 10 DorroWt!r, In the event or II rnrlial tnklns or Ihe rrorert)' in which the rlllr mllrket vlllue or the !'rorerty
irnmedialely berore Ihe tlkins i. less Ihlln Ihe amount or the lum. secured immediatel)' be(ore Ihe tnkin" unless Dorrower Ind
Lender otherwise a,ree in writln, or unleu .ppliCll.ble law otherwise provide" Ihe proceeds Hhnll be applied 10 the lum, secured by
Ihi. Security In.~lrumo:nt whether or not Ihe SUlTlS lire then due,
It the Properl)' i. abandoned b)' Borrower, or U. nrler nolice h)' Lender 10 Dorrower th:!.t Ihe condlllnnOf orrel~ 10 make an
award or settle a claim ror dam.scs, Dorrower rnils 10 respond 10 Lender wilhin 30 do1Ys after the d:ate Ihe notice i, given, Lender
it authorizeuto ...'olll.:el IInd apply Ihl.! proceed~, at its option, t:ilher 10 restoration or repair or the Ploperly or 10 thl,! sums .e.:urcJ
by thi, Security Instrumcnt, whelher or not then due,
Unless Lender Dnd Borrower olherwlse aglec In writinr, lIny .llrrtil:4Iion or procer.11t 10 principfll shnll not e:l.lellil or postpone
Ihe due dale or the monthly payments rererred to in parasraph. 1 and 2 or change the amount or luch pa)'ments.
II; Iillrmwer Nul Released; Irnrhearance hy I..ender Nul a Wlllver, ~Icruion or the time (or payment or modificntion of
amortit..alion or the lOums secured by Ihi, Seeulily Instrument Slanled by Lender to an)' suece~or in interest of Borrowar shall nol
ope rile to relealle the liabilily or Ihe orisin..1 Borrower or Borrower', successors in interesl. Lender shall nol be required to
commence prOt'eedinl-~ a,ainst any .ucccll.\Or in intere~t or rcrullc to extend time ror payment or Olherwise modif)' nmoltiution of
the sums secllred hy this Seeurit)' Instrument b)' re.:llIon of an)' demnnd made b)' Ihe origin:lI Borrower or Borrower's SUcceMOrs in
interest. An)' rorbe:uancc b)' Lender In e)l:ercisillSllny right Of lemed)' shllll not be a wllivcr of or preeludr- Ihe exercise or any right
or remedy.
12. SucceswtSl and A~iKm nuund; Joinl and Severnl Uabililyi QHIKnen. The covennnts and asrcemenlS or this Security
Instrumenl shllll bind nnd benefit tha lluccessm. and ..lI.,isns or Lender and Borrower. subject to Ihe provisions of p:uagr..ph 17.
Borrower's covenant:! nnd ..greemenll shill! be joint and sever:ll. An)' Borrower who co.sign' thi, Seeurit)' Instrument but doe, not
execule the Note: (a1 i. co..i8ning this Seeurit)' In!trument only to mortg"ge, sr:lIlt and conve)' th:1.t Dorrower's interest in Ihe
Properly under the terms of Ihi, Security Instrument; (b) is not personall)' oblig:lted to pn)' the sum, secured b)' thb Securit)'
In'trument; and (c) agree, Ihat Lender nnd nny olher Borrower mil)' nStee 10 e)l:tend, modif)', rorbear or mnke any accommodlltions
with relard 10 the lerm, or Ihi, Securit)' Instrument or Ihe Note without that Borrower'!! consent.
13; Loan Chzr~e!l. If the loan secured b)' Ihi. Securit)' In~trument is subject 10 a law which sell ml!.ximum lonn eh:uges, and Ih:lt
law is finllll)' inlerpreted so that the inlerest or olher 103n charges collected or 10 be coltecled. in connection with the 101ln exceed
Ihe permilled limits, Ihen: (a) an)' llueh 10:ln charge shall be reduced b)' the amounl nccc:llI:lry 10 reduce the ch:lrge 10 Ihe permilled
limit: and (b) lIn)' ,urns nlready collected.rrom Borrower which e)l:ceelled permitted IimlL, will he rc(unded 10 Borrower. Lender mn)'
choose to make Ihis rerund b)' reducing the principal owed under the Note or by m"king " direct pnyment 10 Borrower. It a retund
reduce! principal, the reduction will be he31ed :10, a partilll plepa.)'menl without an)' prerayment chnrge under Ihe Note.
14, Nollces. An)' nolice to Borrower provided ror in thl, Securil)' [n,trument ,hall be given h)' delivering it or b)' mniling it b)'
first cia" m:!oil unle~s ..pplicable law requires use or :another method. TIle notice shoJI be directed to the Propert)' Address or an)'
olher lIddres.~ Borrower de.ignateJl b)' notice 10 Lender. An)' notice to Lender !hnll be given b)' first c1ft!;..~ mail 10 Lender's addreltS
alAled herein or an)' olher addrc!l..' Lender dC:lIgnntes h)' notice to Borrower. Any nolice provided for in Ihi, Securily Instrument
.hall be deemed to have been siven to Borrower Of Lender when f:iven a, IHovided in this parnsraph.
IS. GovtlrninJ: LnWj Severnhilily. This Sccurit)' Imlrument shnll be soverned by felleral law and Ihe Inw or the jurisdiction in
which Ihe Proflerl)' i, loe:ated. In the event Ihal :an)' provbion or dnu:le of Ihis Security Inlllrument or the Nole conOicts \..;th
appliCll.ble law, ,uch connlct .hnll not nITect IIlher provision, of Ihis Security Instmment or the Nole which em be given etrcct
without the connieting provision. To thi, end the provisions or this Seeurit)' Instrument and the Note arc declnred to be severable.
16. narrower's vIPY. Borrower ,hllll be given one conformed cop)' or the Note and ur thi, Security Instlument.
17, Tr:rll,fer or Ihe Property or;r Denelicinllnleresl in Dnrrower. It all or nny part or Ihe Propert)' or an)' inlerelll in it I, sold
or transrerred (or it 3 hcnetici..l interest in Borrower i,sold or lr:ln!feHcd 3ntl Borrower is not n n3turnl person) wilhout Lender's
prior wrille,l con.sent, Lender may, at its oplion, required immediatc ra)'ment in full or "II sum. secured by this Securit)' Instrument.
HowClver, this option shllll not be e)l:ercised by Lender ir Cl)l:erci,e is prohibiled b)' fcderlll law ns of Ihe dnle of this Security
IrL~trumenl.
It Lender eXerci~e' this option. Lender ,hilI! give Borrower notice of acceleration. The notice ~h:\n provide a period or not less
than 30 day. from the d:ale Ihe nOlice i, delivercd or m:llled wilhin which Bonower mll~t pay all ~llms secured by this Security
IrL~trument. It Borrower (ails to pll)' these sums prior to the expit"lion of thi, period. Lender mil)' invoke lIny remedies permitted by
Ihi, Secoritylnslrument wilhout further nOlice or demand on Borrower,
IR. Dorrower's RI~hlln Rein.,lale. Ir Borrower meet, cerl:ain colltJilion" Borrower ~hllll h..ve the right to h:love enrorcement or
lhi~ Securit)' lnstrumcntdiscontinued lit an)' lime flrlor 10 Ihe e3r1ier Or:(3) S dnys (or such olher period... 3ppliC:Jblc law mn)'
Single F:amily - FInnie Maenrrcddie flhc UNIFORM INSTRUMRNT - Unirorm Covennnls 9/9() (pll~e 4 or 6 rn~c,l
/--
Cf1
.ptell')' fnr relnll.rement) he fore 11,,10 flf lue !'roperly rmuu"nt III nny pOWer or .nle COt'"41OI!d In Ihl. Securlt)' In.trumenl; nr (II)
enll')' of a J'lllgmenl enfordng this Securlly Imlrumenl, TIIO.~f1 clllulltlon. IIrt 1I1nt DUHnwer: (n) "")'11 Lender nil ~\llll' which Ihen
would b. due under 11111 SecurilY In!!rument nnd Ihe Nole ft.. If nn nceelernllnn Illlll occurredi (II) cllrn Any dt'falll! or nn)' nlher
covenlnl. or Jlllreemenlll; (c) p"y~ nil tltpen~l!1I IncllHed In enfordng Ihl~ Securhy lnllrumllnl, InclUding, bul nnl IImll"d In,
reuonable lI11urney.' fl!ll"; Rod (d) 11Ih. lIuell Acllull "' Lender mAY relUonnbly rC!lllllre tn ....ure IhAt tht lien I'll' Ihll Sllcurll)'
Inltrument, lender'. rlghu In Ihe rfn~erly Alld nnrrower'll nhli~ntlnn In pA)' the IIlIml .ecured b)' thl. Secllrilylnllrumer.1 .hnll
conllnu. unchwngl!c1. Upun relnlllAlement b)' nllHower, Ihl. St'curlly lnllrumenl IInd the ohlignllull' lecllred hereh)' IIhnll remnln
full)' .((ecti.... ..Ir nu Icceler.l!tm had O(cunel', lIuwfIYer,thl. righllo relnslale IIhnll not AIIIII)' In tho CAle nf nccelerAllon undu
rlflitraph 17,
19.5llIe of Nole; ("ulII~e of LoUII Senicer. The NUle or" rarllnllnterut In the Nole (together with Ihl. Security Inllrument)
m.y b. .old ono or more Ilmlll withnllt prior nollce to norrower. ^ lale may ruult in " change In the entity (known nl Ihe "lOlIO
S.rvlcer") lhat collect. monthl)' p"ymenl. due under the Note and thl. Securit)' IOlllrument, There .bo ma)' be onl!! or mnre
chingu of the loan Servicer unrelaled to " lale of Ihe Nnle. If Ihere I~ A change of Ihe Loan Servicer, Bnrrower will be gi...en
wrillen nollee of the chanle In "ccllrtlnnce wilh pnrogrnrh 14 aho...e and al'l'licnhle law, Tbe nollce 'Nil! .Iale Ihe nnme Rntl
Iddre.. of Ihe new Loa" Servicer And tlte ndllrelS to which pRymenl. .hould be lOll de, The nollce will Rbo conlnln RO)' olher
Information required h)' applicable low.
20, fllUnrdOlu Suhstances, Borrower .hlll! nol t:nu.~e or permit the preJence, UllC, dillpnllal, storage. nr rele"'e of nny
Huardoul Suh.tanceK on or in the Propell)'. Oorrnwer shall nnl do. nnr aUnw Anyo"" else to do, lIt1ythlog o((ecline the Properly
,h.t b In viol.t;tJrI at' ..oy Environmenlllllaw. The Ilrecedinl: tWII Sl!nlencu "hill! nnl uppl)' to Ihe I"esence, 1I11e, elr 1I1orAlle tin
lhe Property of .mall quanlitlell of lIazardoui'l Sublllnnct!ll IIlftt are generall)' recognitetl 10 be 1l.1'1110priote 10 normnl rellidenlial
Ules ROd to malnlenance of the Properly.
Borrower .hall promrtly &lve lender written nollce of any Invelllgnllon, claim, demnnd, lawlluiI or ulher aclion by any
governmeotAI or regulatnry agency or pri...nte llnrty In...nlving lhe rmperly /tnd any IIntordoulI Sub8lsnce nr Envirnnmenlnl Lnwof
which Darrower hnll sctuAI knowledge. If D"rrower lellrn!, or il nollfied b)' an)' gnv~rnmelllnll1r reglllatory AUlhnrilY. thnl nny
remo....1 or nlher remediation of "n)' Ifauudou! Sublllance nffecling Ihe Properl)' is necesSAry, Dnrrower shnll promptly take all
neceuary remedial actions in accordnnce wilh environ menial Law.
AI used in thi. paragrarh 20, "1I11Z.11dOlU Subslnnce,. Are those .ub8lAnct!ll delined nl 10lCic or hRzardnus JUbSlnnces by
Environmental Law snd the fnllowing ,ublllances: gasoline, kero8ene, olher n:lInmAhle or tnxic petro!llUm prnducts, toxic
pelllcide. and herbicides, volalile llolvenls, mllterial!'! contnining Bsbelltos nr formAldehyde, and radioAcli"'e mnleriall. As ull~d in
this paragraph 20. "Environ menial Lllw. menn.. fedeml laws and law. of the jurisdiclinn where the Property b locnled that relate
to health, taret)' or en...ironmenlnl profeclion, .
NON-UNIFORM COVENANTS. Borrower nnd lender further covenanl nod ogre" AS (1'1110'0"'1:
21. Accelerntlnnj Remedies, Lender shull clve nullce 10 DOlTOwer prior 10 na:l!'tIDlIon (ollowlng DnlTO\I'er's hrench of nny
COVenant or ogreement In lhb Security IIl~tnlment (hUI nOl prior 10 nccelenrUon under pnrngroph 17 unle!>., npplicnhle la"
pro\ides othenvbe), TIle noUce ~hnJJ ,~pecify: (h) Ole defoullj (h) IIle odlon required to cure IIle defnult; (c) 0 dnle, not leM thon
30 da~ from Ihe date lIIe nolice L, gh"en to DOlTower, by whldlthe defoult 1011'1 he curedi hnd (d) thot fnilure 10 ctlre the defaull
on or hefore the dale ~pect.ned In Ule nlllice mlly reJllllt In hccell!rnlion nf Ihe SUlll'lli Jlecured hy IIIl'lli Secunt). tmtnunent,
foreclosure hy judicial prnceedlng IInd :o;:ule of lhe Property. TIle notice Jllmll fUr1Jler blfllnn Borrower of the riAbI to reln'llit.'tte nffer
accelerallon und (he nAbtlo o.'I.'lliert In the forceln.mre proceedin~ UIC nnn.t!xbteoce nf It dcfnult or 110)' atller defen.'llic of Dllrrou'er
(0 occelemtJon llnd foreclo.mre. If Ihe default L'IIi not cured on or hefore the dOle :o;:pecified In Ihe nollce, Lender III its optlnn may
requtre Immediate palment In full nf ull :o;:wn~ I'lecurcd b)' IIIL'IIi Secllril)' tn~lnlment ",illumt fllrUlt~r demnnd nnd mny rorecloJle Ihl~
Security IIl~tnlmenl hy judicial proceedln~, L~nd~r lihall he elllllled to collect nil e~pen'llie.~ Inl"UlTed In pur:mlnJ: the remedies
provided in IIIL'IIi,PllrllgrDph 21, includinJ.:, bu)' nllllimiled to, nHomel'll' fecJlllnd CO.~t'lli of liUe e\idence 10 Ute extent permitted hy
appUcohle law,
22, Relell~e. Uron raymenl of all ~urnl'llecured h)' Ihil Securily 'n~Irllmer:I, Ihis S~curif)' In~lrlllnent antllhe elllllle con...e)'ed
JIIIIAU terminate and become Void. ARer luch occurrence, lender shnl! dilchar&e anti Sltli!lly this Securily IOltrumenl \vithout chnr[:e
to Borrower. Borrower .hall PRY tiny recordation cnl'lll'l.
23, Wniver. Dorrower, to the eXlent permilled hy Applicnhle law, waiVe! and relellj;elf An)' error or defecll in pfllceedin[:.1 10
enforce this Sccurily "Islrumenf, Rnd herehy wnives Ihe henelll uf IIny preJent nr I'llture laws providing for slny lIf e;"eculion,
utenRion of lime, exemption frnm Hllnchmenl. levy "ndlllle, nod homeslead exemption.
24. Rtlll~thtement Period, Borrower's lime to reinslnle rrovided In parngrnph 18 lIbllll eXlend to one hour prior 10 lhe
commencement of bidding al a sheriffs Mle rurluanl 10 Ihis Securit)' Instrument.
25. Purchase Money MortJ::tl;e. If nny of Ihe deht secured by lhi! Securil)' Inslrument ill lent to Borrower 10 aC1luire title 10
Ihe Propert)', thi, Securil)' Inslrument ~hllll be II purclmse mone)' morlgage,
26. IntereJlt Rille Afler Judwnenl. Bnrrnwer Agree. Ihat the inlerest rale pnYllble aner A judgment Is enlered on Ihe Nnte nr
io III actinn n( mortgnge (oreclosure shall be Ihe rate p;l)'nhle from lime 10 lime under Ihe Nole.
'-
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Fonll ,\n.w 9/90 (I';J~~' ~ Ilf 6 1';t~~:C)
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's
Homeowner's Emergency Mortgage Assistance
Program
may be able to help you.
Read the attached notice to find out how the
program works.
If you need more information call the
Pennsylvania
Housing Finance Agency at 1(800)342-2397
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 ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES 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 REDlMIR SU
HIPOTECA.
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's
Homeowner's Emergency Mortgage Assistance
Program
may be able to help you.
Read the attached notice to find out how the
program works.
If you need more information call the
Pennsylvania
Housing Finance Agency at 1(800)342-2397
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 INMEDlATAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES 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 REDIMffi SU
HIPOTECA.
Frederick R. Moses
OClober21,1998
Page 2
If you have not cured the default within the thirty-day period and foreclosure proceedings
have begun, you still have the right to cure the default and prevent the sale at anv time up to one ~our
before the Sheriff's foreclosure sale. You mav do so bv paving the total a~~u~~ of ~ve due
pavments plus any late or other charges then due. as well as the reasonable attornevs' fees and costs
connected with the foreclosure sale, and performing any other requirements under the mortgage. It
is estimated that the earliest date that such a Sheriff's sale could be held would be approximately 180
davs from the date of this notice. A notice of the date of the Sheriff's 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 will be by calling the Lender at the
following number: Richard Riggs 1-800-776-2211. Ext. 2292. This payment must be in cash,
cashier's check, certified check or money order and must be made payable to the Lender at the
Lender's address stated above.
You should realize that a Sherin's sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM Ai\fOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT. CONTACT THE LENDER TO DETERlYIINE WHETHER OR NOT A BUYER OF
TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE
THE RIGHT TO HAVE THIS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE
NOTICE ABOUT THAT PROGRAM.
Ifvou cure the default. vou will have the right to pav off the loan in monthlv installments as
if no default had occurred. However, you are not entitled to this right to cure your default more than
three times in any calendar year.
MCE/jls
CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL,
POSTAGE PREPAID
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
Very truly yours,
(Q...f.Je E:......
Michael C. Eisen, Esquire
(
GRENEN & BIRSIC, P.C.
'\lTOR."EYS AT LAW
ONE GA TOWA Y CENTER
NINE WEST
PmSBUROII. PENNSYLVANIA 15222
(412) 281.7650
FAX (412) 281.7657
October 21, 1998
Cynthia Louise Moses
123 South Street
Carlisle, PA 17013
Re: Notice ofIntention to Foreclose Mortgage; IMC Mortgage Company, Successor
in Interest to Public Savings Association; Account No. 0000176412; Note dated
November 29, 1995; Frederick R. Moses and Cynthia Louise Moses.
Dear Mrs. Moses:
The MORTGAGE held by IMC Mortllage Company. Successor in Interest to Public Savings
Association. (hereinafter "the Lender") on your property located at 123 W. South Street. Carlisle.
PA 17013 IS IN SERIOUS DEFAULT becau: y~u ~ve n~t ~ade the monthly pa~~e~t~ of
$567.48 for the months of November 4. 1996 t ou h ctobe 4 1998. Late charges have also
accrued for this period in the amount of $284.52. The total amount required to cure this default as
of the date of this letter is $13.336.56.
You mav cure this default within THIRTY (30) ~A YS ~fthe date ~fthi~ letter. ~v paving
to the Lender the above amount of $13.336.56. plus an additi nal amou ts w ich ma fall due
durinll this period. Such payment must be made either by cash, cashier's check, certified check or.
money order, and made at IMC MortQage Companv. 5901 East Fowler Avenue. Tampa. Florida;
33617-2362: Attention: Richard Riggs.
~;
If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its
rillht to accelerate the mortgage pavments, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program. This means that whatever is owing on the
original amount borrowed will be considered due immediately and you may lose the chance to pay
off the original mortgage in monthly installments. If full payment of the amount in default is not
made within THIRTY (30) DAYS, then, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program, the Lender mav also instruct its attorneys
to start a lawsuit to foreclose your mortllal?ed property. r f the mort~al?e is foreclosed. your
mortgaged property will be sold bv the Sheriff to pay off the mortllalle deb. You will have the right
to assert in any foreclosure proceeding the non-existence of a default or any other defense that you
may have to acceleration or foreclosure. If the Lender refers your case to its attomc'ys, but you cure
. the default before they begin legal proceedings, you will still have to pay the reasonable attomey's
fees, actually incurred, up to $50.00, in order to cure the default. However, if legal proceedings ar~
started, in order to cure the default you will have to pay the reasonable attomey's fees, actually
incurred, even if they are over $50.00, and you may also be required to pay the Lender's reasonable
costs. If you cure the default within the thirty-dav period. vou will not be required to pay attorney's
~.
Cynthia Louise Moses
October 21, 1998
Page 2
If you have not cured the default within the thirty-day period and foreclosure proceedings
have begun, YOU ~till have the ri\lht t~ ~ur~ ~he ~~fau~t a~~ P;;V;:11 .l~; ~~I: ~~~~v ~:~ ~i ~~ ~ne ~Ol~
:e t~~ ~~enff's foreclosure sa e u av 0 VI. ,a a I ve du>
pavmenls plus anv late or other chames then due. as well a~ th;~ea~~n~ble ~;~rnevs' fees and costs
connected with the foreclosure sale, and performing any other requirements under the mortgage. It
is estimated that the earliest date that such a Sheriff's sale could be held would be approximately l1ill
days from the date of this notice. A notice of the date of the Sheriff's 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 will be by calling the Lender at the
following number: Richard Ril111S 1-800- 776-2211. Ext. 2292. This payment must be in cash,
cashier's check, certified check or money order and must be made payable to the Lender at the
Lender's address stated above.
You should realize that a SheriH's sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you.
You have additionaJ rights to help protect your interest in the property. YOU 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. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF
TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE
THE RIGHT TO HAVE THIS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE
NOTICE ABOUT THAT PROGRAM.
Very truly yours,
"(f'J..1l e. to",,,-
MCE/jls
CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL,
POSTAGE PREPAID
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
Michael C. Eisen, Esquire
. .
".
REAL ESTATE SALE No.41
on~ h /'191 the sheriff levied upon the defendants
Interest in the real property situatod in Ll riA a ~~
Cumberland County, Pa., known and numbered as: G.),
~ 12- a.-
and more fully doscribed on Exhibit" A" filed with
this writ and by this reference incorporated herein.
nate: )12I;,JJ. 2/'J99 By; @=-<<..-d.l/Z
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TOOETHER WITH.U lh. impr...".."" now or hore,ner er,,'.d on .h. prnp...,,'.nd nU "'..n.n". 'pp"".n.n"" ond
. fullU", .ow or h",.ner . p.rt or .h. prop.rty. AU ..pl".m."" and .dd;'ioDS .h.U ul.. h. <overed by .his S"urilY /'''''00''',
All !1( Ibe (oreloin, Ii referred Co io Ihls Seeurily fOJlrument o1S Ihe .ProperIY:
BORROWER COVENANTS .h.l borrower i. InwruUy ,,1...1 .r .,.. ."". her,hy o"."y.d ond bas .h. riCh. '0 C,"nt 'nd
oon"y .h. Proper.y .nd 'b" Ih. Proper.y i, un.ncumbored. ....p. ror ,"cumb""", or r"ord. B.rr.wer W',,"n', .od -;U
d.r.nd '''...Uy 'b. ti.,..o .b. Property ,c.in".U ol.im. and d.m.nd..,ubj". '0 'ny ,"cumb,""" .r..o.,d.
TillS SECURITY INSTRUMENT oombi"" unirorm OO"n'n" ror norion,1 u.. .nd n",uniform '0"."" wi.b Umired
variatloa. by jurisdiction 10 constitute I unj{orm ,w:urity iosfrument caveriol real properly.
UNIFORM COVeNANTS. Borrower Ind lender covenn.nt and agree IS (OI!OWlI:
I. P.ym.nt or I'rindpnJ WId Int."", P"p"ym,nl WId Ln.. o.lll1l'" Borrow" .b.U promptly p'y wb.. duo tb. prinoip'l
.r ..d i..",,, 0' 'b. d.b' .vid.n..d by 'b. NoI. ..d '.y prep'ym.., ..d ,,,. oborC" duo under 'h. NoI..
2. Fund.! ror T.... and 1m......... SUbj,,' ,. 'PpU..bl. I,w or '0 . wri",. w.i'er by l..d". Borrower .b.U p'y lD
l'nder 0' 'b. d.y mOolhly P'ym.al. a.. du, u.der 'b. Nolo. u"til'b, No.. i. p.id i. l'uU, a .um ("Fu.d.") ror: (aJ y",ly 'ax"
..d ......'00.." wbiob may ",.i. priorily O'er 'bi. S"urity In.trum'.1 .. . lien o. .h. Prop'rt); (b) y""y I....b.ld pa)'1llen"
or &rou.d "... on 'b. Proper,y. /( .ny, (.) yearly bazard or proper'y in,urane. p..mium., (d) y""y Oood i..uran.. p..mium.. ir
..y, (.) y.arly mortC.g. i..ura.o. p..mium.. ir a.y, a.d (Q any .um. pal'bl. by Borrow" '0 l.oder. ia "'o'd'n.. -;'h 'b,
proviriu.. or paragraph 8. i. li.u of .b. p'ym,or or mortgage iDSura... P..",ium.. Th... irem. are caU,d 'Eserow h.m."
l,.der may. " ..y 'im.. ooU.., a.d bold FU.d. i. an amoU.1 no. '0 .m,d 'b. maximum amou.1 a I.nd" ror . r.d.raUy
..I".d m.rtC.g. loan may ..quire ror B.rrower'. "".w ""ount under 'b. r.doral R..l E"". S."I.m.nl Pro..dur.. Aol .r
1974 .. 'm..d.d rrom lim. ,. lim., 12 U.S.C. ~ 2601 .1 "q. ("RESPA'J. u.I... anorber law Ib" .ppli.. '0 lb. Fund. ..ts .
I...er a"'U.I. rr '0, l.nder may. al "y ti..., 'oU..1 and h.ld Fund. i. a. 'moun' nul 10 m..d .h. 1...er amoUn.. l.nder may
."imal. lb. amounl or FU"d. due on .b. b,,;. .r 'ur".1 da'a ..d r.....abl. ."im"... or "p..di'ur.. .r l'utu.. Eserow !r.m,
or otherwiso in accordance with applicable law.
Tb. Fund. .baU b. b.ld in an in.ti'Uli.. wb... d.pori.. are i.....d by . r.d.,,1 aC.n.y, in"rum.ntali'y. or ."ti,y (i"oludi.8
l..der. if l.nder i. .uob an i.'li.u.io.) or i" a.y F.d..., Hom. lo.. B.nk. l.n"" .b.U apply .b. Fuad. ,. p,y 'h. ...row
i"m.. l.nder may not .barc. Borr.wer ror holdl.g .nd applyinc lb. FU.d.. an.u,Uy .n.lyzi.g 'b. "".w a".u.,. or "ril'yioc
Ib, E..,ow "'00', unl,... l..der P'I' B.rrower i........ .n 'b. FU.d. .nd appli..bl, law permi.. l.nder '0 m,k. .uob a ,borC',
H,w",er. l.nder may "qui.. Borrower to p,y a o"...im. oborg. ror an i.d'p.nd... ..,I ..tate ."" rep.rrioC !ervi" u..d by
l.nder la .onn."ion -;.h .hi. loan. u.l", 'pplioabl, I.w provid.. otb.rwi... Unl", an acr..m.., i. m,d. or 'ppq..bl. law
requir.. inl"'.. 10 b. p.id, l,nder .hall not b. ..qui..d '0 pay B.rrower a.y inre.." or .arni.C' .n 'b. Fund.. Borrower n.d
L..d" may.cr.. in wri.ing. bow",,,. .hal Inl..... .b.1I b. paid ,,, lb. FU.d.. l.nder .baU gi" 10 B.rr,wer. %i'bnu. oharg., n.
.nnu.1 "oouuring or 'b. FU.d. .bowinc ".di.. .nd d.bil. 10 'b. Fund. .nd .b. purp... ror wbi,b "010 d.bil '0 'b. Fund. wa.
made. The Funds are pledged .1' additional security for all IIums 'coufed by Ibb Security Instrument.
rr .b. Fund, h.,d by l.nder .....d lb. amnu.ts permiu.d to b, b.1d by 'PpU..hl. I,w. l.nder .bnll """", '0 B.rr.wer ror
.b. ...... Fund. i. a..ordan.. wi.h 110. ..quirem.n" or 'ppli..bl. law. rr 'b, 'm""nl or 'b. Fund. h.id by L,nder " any time
;, .ot .u(fid.nl '0 pay 'b. E."ow I'.m. wb." "u'. L..der ..ay '0 notit'y Borrower In wri.i.g. and. in 'uoh oase B.rrow" .h.1I
pay I. lend" 'b. am,un' n.".."y 10 m.k. up 'b. d,fioi.n,y. Borrower .ball mak, up 'h. d.fioi..,y in n. ..." 'b.n 'w""
.11oolbly payments. at lender's sole discrclion.
Upon paym'n' /n l'uU o( all .um. ",u..d hy .hi. Securily In..rum.n.. l'."er .hall promp.ly ..rund 10 Borrower any Fund,
,,,Id by l.nder. rr. under paroCrapb 21. L.nder .ball..quire or ..1I.h. Prop.rry. l'"d". prior t. lb. ..qui.ili.n or ..I. or lb.
'rop,ny. .baU apply .ny FU.d. h.id hy L.nder ., 110. time .r ..quiri.i." or .", DS . eredil .C',... lb. .um. ......d by lhi.
iecuril)' Instrument.
J. Applk.U.n.( Pa"".nl.. Unl", applioabl, law provid.. otb.rwi.., all p."".... rmivod by l.nder under Por'C"pb. I
ond 2 .ball b. 'ppli.d: fir... ,. any p"paym... obarC" due o.der lb. Not.; "oond. 10 .mou... p'yabl. under paracrapb 2:
hird. 10 interest duo; fourth, 10 principal due; and last, to aoy Jato chRrgcs duo under the note.
4. 0.311:0.0' U.n,. Borrow" ..hall p.y "II 'ax... ....."n.nts. ,barC'" fi... a"d Impo.".lo.. nllribu.nbl. to .b. Prop'rty
'biob mayaU.in priority n'er 'bi, S..,,".y In"r"m'.t. a.d 1....h.1d paym.... or cro".d ".". ir 'ny. Borrower .b.1I p,y .b...
.hligorioos in 'b. ma.ner pro~d.d in paracrapb 2. or ir nol paid in 'ba' m.nn". Borrnwer .10,,11 pay Ib.m .n tim. di,,,Uy ,. th.
''''.n ow.d paym.n.. Borrower .ball prompUy furnl.b '0 l..d" aU noti... of "n.un.. 10 b. p,id uoder .bi. parograpb. rr
'orrow" m.k.. lh... paym.n.. "ir..tly, Borr.wer .b.1I prompUy l'urni.b to L,nd" r",ip.. '~d,"oinc th. po""..ts. .
B.rrower .hall prompUy dl..barg. "y li.. wbiob b.. pri.ri.y '''r .bi. S"uri.y I."rum.n. unl... Borr.wer: (') 'cre" on
'ri'i.g I. lb. paym... or .h. .blicati.n "oured by .h. li.n in a manner a"'prabi. .u L.nder; (b) eon"", In go.d fai.b .b. li.n
Y. or d.r..d.. .gal... ..(or.....nl o( lb. Ii.n i.. l'c,1 pro<:..di.C' wblob i. 'b. L..d,,'. .pini.n 'pera.. '0 p,eveol .b.
,ror..m.n' or 'b. Ii.n; or (.) ......, rrom 'b. holder or 'he li.n .. 'g...m... ..ti."".1)' 10 L..d" ,ubordio.tinC 'b. U.. '0
,i. S..uriry I."rum.nl. rr L..d" ""orml"" .hat ,,,y p,,, or.h. Prop,rry i. .uhj,,, .. 0 Ii.n wbiob may ,uai. pri.rity O"r
,I. S"uri.y I'''rum.... L..d" ..ay gi,o Borrow" a no.i.. id,ntil'yioc lb. li.n. B.rr.wer .ball 'olist'y 'b. li'n 0' rak. 0.' or
loro of tho aclions 5'<<:1 forlh above 1Nilhin 10 days of the giving of notice.
5. Hazard or Pr.p.rty In.,,,,,,,,,.. Borr.wer .b,1I h.p .b. impro"m".. .ow .",,,,.C or b",.ner '",rod 0" Ib, ProP'rlY
.u..d .g.i... I... hy fi.., ba~1rd. in.lud,d -;'bi. 'h. 'erm ".....d.d ,o'erag" ,,,d a.y orb" botard., i..ludi.8 Oood. or
,odi.g. ror whi'b l'nd" ..qui", in.uran... Thi. i.,ura... .b'll b. m,inlOi",d io 'b, .mounts a.d ror .b, p.ri.d. 'b,. L,nder
r"-" C.n
r;'lInn JO.1? 9190 (p:t).:c 2 Ill' 6 (lll~t.'.~)
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rC'lUhCi. The In.llf.:Jnca I;3rrler (Hovidinl llle inslll.:Jnce shall be chOlen by Dorrower ~ublcCI 10 1.cntJc,', DJ1prov:a1 .....hich .hall not
be unreuo"ab/y withheld. Jr Barlo.....er (ail. 10 m:ainl:ain (Ovcfnl:C descrihed Dbove, Lcnllu mllY, II LAnder's optiun, ohtain cOvclale
10 prOIC(( under'. rl.c"Lt In the ProperlY In llc:eoftl.1ncc with [1l1t3&tllph 7.
Alllmo'D"ce policies and ,enew"l. Ih~1I be a~Clpl.llblc: 10 L.endu and .hal! Include II II:amb,d morllllg" c101ull!, Lender "1.l11
line Iho Ilahl 10 hold Ihe politiCI llntl fenew:"... rr Lender requires, Dorrower .hall promptly slve 10 Lender 1111 lI~ceiptl or pllill
premiums .tnd fl!ne......lI1 nolkes, In the even! or 10.,.., Durrower .h"U.civc plompl nollee 10 tho Inlulllnce cAuier InJ Lender. lendtt
ml7 make proof or 1m.. It nol mllde plomplly by Dorrower.
Un!eu Lender And Dorrowc:r olherwisc lIlree in writin" In~l/r4nce proceeds 111.,/1 be llrplicd 10 reslorlllion or f1:r~lr of tho
Proper'y d.1m"led, it the reSloration or rcr"ir it economic.:ally fClIlible Ind Lender's securlly is not leuened. If the re~IOtlllion or
Icpllir is not economiciJlly fe:nibla or Lender's security would be les.sened, tha insulnnca flrocceds Ihllll ba applied 10 Ille luml
lecured bylhil Securily Inltrument, whelher or nol then due, with any ellCO~ pllid la Bouower. IC Dorrower ab.,ndoOl the Properly,
or d~, nat .nswer within 30 dllYs a nolice ftnm tender thlt the inlurllnce ClIrricr hll. olreled 10 leula II cllIim, then Lender mlly
f:O"ec~ Iha insuranC'e procced... Lender m3y U,e the proceeds 10 reptlir or Ic~lora Iho Properly or 10 pay SIIIIlS secllred by this
Security Inlllument, whether or not Ihen due. The JO.d:ay period will belln when Ihet notieo illiyen.
Unlc". L.mder and Borrower Olhl:rwtse ilgU:C in wrilinl, llnyappllclItion of procl:'lIh to IltinciPlllsh:t1l not c.,lcmJ or postpone
Ihe duo date of the monthly pllyments teferred 10 in pllralrllphs l IInd :2 or ehllnle thu amount of the pllyments. If under p3ril,r3ph
21 the Property i, lIIcquired by Lender, Borrower's rilht to IIny inlurllnee policie:s lInd proceeds resllltifll from dilmllle 10 the
Properly prior 10 the acquisition Shllll pUI to Lender to tha elltenl of Ihll sums secured by this Security Instrument immedialely
prior to the acquisition.
6. Occupancy, rreservallon, M3inlenlnce !lnd Protection or the rroperl)'j DnfTO\vef" loin ^ppliClltlonj LenJ~hnhb. Borrower
.hall oceupy, establish, and We Ihe Property lIS Borrowct's prim:ipIII residence wilhin sillt1 days dter the elleculion or this Security
Inslrumenl and shall continue 10 OC('upy Ihe Properly llJ Borrowet's principal re:sidence for at lellst one yellt aller the date or
occupancy, unleS! Lender olherwise ~lteCJl in ......riling, which consent shall not be unrellsonllbly wilhheld, or unleu e~tenu:llin&
citcunulJlnces elli:st which arc beyond Borrower's c<.:)ntrol. Borrower shall nol destroy, damalct or impair Iha Property, IIlIow the
Ptopetly to deteriorate, or commit Wll:ste on the Property. Borrower Ihall be in del:mll ir any forCeilure aClion or proceeding,
whether cjyil or ctiminal, is bellun Ihal in Lender.s load failh judlment could result in forfeiture of the Property or otherwise
malerillly impair the lien created by Ihis Security Instrumenl Ot Lender's ser:urlty interest. Borrower mllY cure such a de(3ult and
reirutale, U ptovided in parallrllph 18, by ClI.using: Ihc ~ction or pror:eeding to be dismis."ll:d with II ruling thllt, in Lender's goad rAith
delerminlltion, prccluclc:s for(cilure or the Borrower', intere:st in the Property or other m~terilll impairment or the lien crealed by
this Seeurily 'nstrument or Lender's :security interesl. Borrower sha.lI also be in deC:l.ult ;r Borrower, during Ihe 10lln llPpliCll.tion
proccS!, gave maletially false or In:accurate inrOrm3tion or slatementJ to Lender (or failed to provide Lender with IIny malerial
information) in connection with the l03n evidenced by Ihe Notet, inc!udinl, but not limited 10, tepresen~tions conC'Crninll Borro......et.s
occupancy of Ihe Property at OJ. principal rc:sidc:nce. If this Security Insttument is on II le:lsehold, Borrower shall comply with IIl1lhe
prO'li:sioos 01 Ihe lease. If Borrower acquites ree title to the Ptoperty, the le:uchold llnd the rce title shllll not merge unless Lender
Ilree:s la Ihe merger in writin&.
7. Prolection or Lender's Ri~hls in the, rmper1y. rr Bo"o~f rails to perform the COYen3nts and :agreements contained in thiS
Securily'nsttument, or there is a lellll procccding Ih:lt may signiliCll.nlly arrect Lender's righLs in Ihe Property (such :IS a proceeding
in bankruptcy, probate, for condemnation or forfeiture or 10 enforce Inws or rcgul:llionsl. then Lender mllY do and pllY for Whaleyer
is necessary to ptolect Ihe Yalue of Ihe Property and Lender's rights in the Ptoperty. Lender's nClions may include p:l.}'ing any :sums
secured by a lien which has priority over this Sccurity Instrumenl, appe:uing in cOUtl, p3ying reasonable II110mcys' fees lInd el.lering
on the Ptoperty 10 make replIirs. Allhough Lender m3)' lake action under Ihis paragtaph 7, Lendet does nol have 10 do so.
Any amountJ disbuned by Lendc:r under Ihis plltllgraph 7 shall become addilion:ll dcbt cir Borrower secured by this Securily
In:strument. Unle~ Borrower and L.cnder alree to olher term:s of paymenl, these amounts ,hall bear interest ftom Ihe dale of
disbuDemenl :1.1 the Note rille and sh:lll be pllYllble, with intcrest, upon notice from Lender to Borrower tequesting payment.
8. MOrl~a.l;e Insllt;lnce. If Lendcr required morlgllge insurance ns Il, condition or making the loan secured by this Security
Instrument, Borrower shllll pay the premiums requircd 10 maintllin the mottgage insur:lneQ in effect. If. for any rellson, Ihe
mottgage insurance coverage required by Lemler 11Ipses or ceases to be in errect, Borrower shan psylhe premiums tequited to
oblain coyetage substantially equ;v3lent 10 the mottgllge insurllnce previously in errcet. at a cost substantially equiV3lent to the COlt
ta BOllower of the mortgale insurance previoll,ly in effect, ftom an allernllle mortg:lge in..urer 3(1(1roYed by Lender. If subsllIntillllr
equivalent matllale insurance coyerllge is not ;lYail:lble, Borrower shllll PllY 10 ,u:nder cach month a sum equal to one.twelnh or
the yearly motlgale insurance premium being pllid by Borrower when the insurance cOYetllge lapsed or cell:sed to be in eITcct.
Lender will accept, we IInd tetllin Ihese paymentJ as II Iou re:serve in lieu of mOrl1:3gc insurancc. Lo..u reserve pnyments mllY no
longer be requircd, at the option of Lender, if marl gage inlut::lncc CQverllge (in the amollnl llnd for Ihe period Ih3t lender
requires) provided by an insurer 3pproyed by Lender agllin bacomes aVlIilable and j:s ohl3ined. Bonower shall fillY the premiunu
required to maint3ln mortlage insurance in effcet, or 10 provide a 105:1 rcserve, untillhe requirement for morlgage inSUfl'lnc:e ends in
IccordanC'C with any written alreement between Borrower llnd lender or applicable lllw.
9. Inspecllnn. lender or itJ IIgent may m3ke re:uonable entries upon and in.'pcctions of the Property. Lender shall give
Borrower notiee at the time of or prior 10 an inspection !lpeciryinl rell!lonllhle ClIU.,e fat the inspection.
10. Condemnation. The proceed.. of any lIw3rd of c1l1im for dllm",;es, direct Of consequenti:ll, in connection with a.ny
Single Family - Fannie MnclFrcddie Mac UNIFORM INSTRUMENT _ Unirorm Coycnants 9/90 (p3ge J Ilf 6 (I:l.gc:sl
r-........
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con'tSemn.llinn'" or other l.lkine or .lny r.lrt o( Ihe r,operty, or (or c:onve)'lInc:e In lieu or rondamn.llion, lIro hereb)' u,i&ned lintS sh311
b" paid 10 Lender.
In the avenl o( a I014114kinl or the rlOperl)'. the prncel:th ~lll'U be applied to thl! lum. lecured bylhis Security Instrumenl,
\Whelher or not Ihen due, \With any e'-ce~ paid 10 Oorro....er. In the eyent or 4 r"II.lII.kinc or Ihe Propere)' In which the (~ir market
Yalue or the Property Immedialely berore the lakinl Is equOlI 10 or crc3ler than Ihe IImount or the lums secured by lhb Security
'nslrumanl immediatell berore the tOlkinl. unless Borrower and lender olherwise Il,ree in wIitins. Ihe 'ums secured by this Security
'mltument shall be reduced b,the amount of the rrocecds multiplied b)' the rollowinl (raction: (.s) Ihe lotllol amount or the sums
secured immellilllely herore the I:llein" diyl..Jed h, (b) the flllr market VAlue of the Propclll Immediately before Ihe 100lein.. Any
bal.anC'e .hllll be p3i..J 10 DOllower. In Ihe event of 3 r:atllll14klnl of Ihe PIorerl)' In which the rlllr mArket v31ue of the Property
immetSi.lIely before Ihe laldn. is less Ihan Ihe lImount or the sum, secured immcdi3tely berore the takins. unless Dorrower and
Lend::r otherwise lI.rcc In ....rilin, or unleS.! applic:lble IlIW otherwise provlde.s, the procee..Js shall be applied 10 the sums secured by
Ihi. Securily Inslrumcnt whether or not Ihe su'"s life Ihen due.
If lhe Properly i. aban..Jnnell b, BOllower, or if, ".rler noti~ by Lender 10 Borrower th:1I Ihe condemnor orfen 10 m3lee an
award or settle a claim for damazes. Borrower raib to re.spond 10 Lender within 30 days 3fler the d"le Ihe notice is liyen. Lender
I, authotited to \,:olli:c( an..J apply thu proce~dll. :at jl:f oplioll, eilhcr 10 r~Jfor,,'ion or ICC'.:Jir ot lhe Proper'l or to th~ SUm:f secured
blthls Securlly (n.slrumenl. whether or not then ..Jue.
Unless Lender .nd BOllower olherwise IIlree in wrilin.. anr Irpllclltion or procecd, to principal shnll not c:'llend ur postronc
the due dale of Ihe monthl, paymentJ re(elled 10 In par:szraptu 1 and 2 Dr chanze Ihe :smount of such p.,rnentJ.
J I. Dorrower Nol Relellsed: Forbearance '.,. under Nol I Wlllvcr. 2.demion of the lime (or palment or modific:alion or
amorti1..lIlion or the sunu secured bylhi.s SecuritJ Insuument Arllnted by Lender 10 Iny succell.,or In Interest of Borrower shall not
Dper.le to releue lhe Iiabilil)' of the orllin..1 Borrower or Borrower'.s succeSllot1 in Interest. Lender shall nol be required 10
commenC'e proceedins.' lIl:ainllt any .'ucce~~or in intere~t or rctu.'c to eKtend time ror I'''ymenl or Olherwise modify nmortiution or
Ihe Juml JeCtlre..J by thi.s Security In.~lrumcnt by rc:s~on of 3ny derna.nd mOl..Je by Ihe origina.l Borrower or Borrower's SUCCCMOrs In
inleresl. Any forbearance by Lenller in e.ercisin'lIny rizht or remelly shall nol be II w3ivcr or or preclude the exercise or IInl rlzht
or reme..Jy.
12. SUCCC!11Ors and Aoail:ttJ Duund: Julnl sand Severnl Uahllllyj Co-!I:ll:netJ. nll~~ CQyenanlll lInd lIlreements of Ihis Security
Instrument shall bind and bene lit the successors and u,iSttJ of lender 3nd Borrower. subject to lhe provislolU of p3tllzr3pn 17.
Borrower', covenantJ IIn..J azreemenLJ Jh311 be joint :and severOl!. Any Borrower who co.~i.ns IhiJ Security Inslrument bul doc, not
eu:cute Ihe Note: (lI) I, co..,igninl thi.s Security (mlrument only 10 mortzAle. Ir3nt nnd conYey th:at Borrower's intercst in Ihe
Property under the lerms o( thl, Securit)' Instrument: (b) is not penonally oblil3ted to pay the sums secured by Ihl, Security
Instrumenl: 3nd fc) "lrees lhat Len..Jer :snd lIny other Borrower m3Ylllree 10 extend. mOOi(y. forbellr or m3ke "ny accommod:ations
with rel.ard to the term.s of this Security (nstrument or the Note without that Borrower':I consenl.
13. lAan Chlf~es. It lhe 103n secured hYlhlll SeeurilY Instrument is subjecl 10.;1 13W which sc13 muimum 103n chOlfge:l. llnd th:lt
law is finally interpreted so that Ihe Inlerest Dr other lo:an chuzes collccled or 10 be collccled in connection with the 103n exceed
the permlue..J limits, Ihen: (lI) any :luch 101ln charge :lhOlIl be reduced by the amount neees:t3ry to reduce the ch"rge 10 the permiued
limit; 3nd (b) any sumJ 1Ilready collected. from Borrower which exceeded rermiUe..J limits will be refunded 10 Borrower. Lender ma)'
choose to m;1ke this refund b)' reducing the rrincif131 owed under thc Note or by mOl king .1 direcl (3)'ment 10 BOflower. It 3 refund
re..Jucell principal, the reduction will be treOlted as II r"rti31 rrep:1ymenl wilhout 3ny prepaymenl chOlrle under the Note,
14. Notices. Any notice to Botfowcr provided for in thi.s Security Instrument sh311 Ix! liyen by dellverinB It or by mOlilinK il by
lint class m:ail unlc:n 3prlic"ble law requites u.~c of lInolher method. TIle notice shall Ix: llirected to the Prorert)' AddreM or 3n)'
other add,es., BOtfowcr de~i8n3tes by notice 10 lender, Any nolice to Lender shllll be given by lirst c1nss m311 to Lender's 3ddre~
slaled herein or 3ny other :addrcss len..Jer dellign3tes by nolice 10 Borrower, An)' nolice rrovlded ror In thi.s Security Instrument
shall be deemed 10 have been Biven 10 BorrO'NCr or Len..Jer \When ziven :IS rl'Ovided in this p3r3Brllph.
IS, Gmemlnl: LaW; Se"~r.lhillly, TIll, S~curlty Inmument shall be goyerncd by federi11 low 3nd the IlI\V of the jurisdiction in
.....hich the Pmpert)' i~ loc:ate..J. In the event lhllt 3n)' provillion or cllluse of this Sccurity In:llrumenl or the Nole eonnic\3 with
applic:lble la...., lIuch conflict :Jhllll not arfect other provi:slons of tllis Security Instrument or the Note which Cln be &iven effect
wilhout the conflicllng provision. To Ihis end the provisions of Ihi, Securitylnslrument lInd the Nole are decl:ared to be severllble.
16. OClfruwer's UIPY. Botfowcr shl1J1 be givcn one conformed copy of the Note und ur this Securltylnstrumenl.
17. Tran.,rer or the rroperty or a Dcnelidallnterest In OnlTOWer. Ir lIlI or lIny p:ut of the rroperty or :any inlere~t in It is sold
or tr:ansferred (or if a benefici,,1 interc~t in BOHower is sold or Iran.,fcrrcd :snd BorrolYcr is not :I Mtur,,1 person) u;lhout Lender',
prior wriuen consent, Leoder m:ay. at its option. required immedi:ate pl1yment in rull of 1I11 sum~ secured bYlhis Seeuril)' Instrument.
Howeyer, 'Ihis option shall nol be eKercised by Lender i( exercise l.s prohibited by redCr31 law llJ of the dale or this SecurilY
ImtrumenL .
If Lender e:ll:erci:le.s this opdon, Lender shall glvcBorrower nolice of acc:elerlltion. 111e notice sh:all rrovide :1 period of not less
than 30 days from the ..JOIle the nolice is delivercd or m:ailed wilhin which Borrower mlut r:ay 311 ~Um:f secured b)' this Security
Instrument. If Borrower fails to pay these sums prior to Ihe expir3tion o( this period, Lender may invoke any remedies permiued by
this Securitllnstrument without rUrlher notice or demllnd on Borrower.
18. DlIno....er.s RiJ:ht In Rein.~ble. Ir Borrower meets cerlllln conllilion.,. BOffower ,h:sll h:ave the ri&hl 10 have, enrorcement or
thi~ Security Inslrument ..Jisconlinued 3t :an)' time prior 10 the el1r1ier or:(OI) S dOlY' {or such other reriCtl :s, :'lpplioble 1::I\v m:\y
Sinlle Famill - Fannie MaelFreddie Mac Uf'o/IFORM INSTRUMI:.:Nf _ Unirorm COyen3n1S 9190 (I':'\,!:e" of 6 rll1=Cs)
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'(l.elfy (or relnllll,mene) he tor. ~lIlle of lue I',operly punUllnl 10 /lny poWer o( Jl\le CO......netJ In this Secunty Inllrllmene: or eh)
.nlry of a J'ldgmcnt enfnrcln.: Ihls Security rn~trumt!nl. Tho~e contlillons IIU thAI Borrower: (:t) pn)'ll Lender:lll JIlin. whjth Ihen
would b, du. under thl. Security Instrument nnd Ihe NOle u If no nccelernllon hall occurred: eh) cllrn nny def,lull of nny olhu
('oYenln" or. Jlgrumcnl.: (e) pity. nil up!!n.... incurred In enrordog Ihls Security In~lrumenl. including, bUl nol Iimilecl 10,
re/.onahl. 1\llIln.y,,' (ee.; .nd (d) lake.. ..uch Acllon At Lentlcr rnn)' reasonably 11l11"lr. 10 luur. IhM Ihe Uen a'' chi, Slteuril)'
(ostrumenl, Lender',. fighu In Ihe Prop,ert)' Rod Borrower'lI ohlii::lIlnn 10 I'"Y the IItllO. ,Ileur.d by this Security Inslrumenl .hnll
continue unchAn!:.d. Upnn reln~lale,"ent by nllunwer, this Secutlly In~trumenl "nd Ihe ohligiUiOlU secured herehy ~hnll remnln
rully ,rrecllve ..lr no Ilceelerlltlun h:.d occurred. Huwever. thl. rl.:hllO relnstltl .hAlI nol Apply In the CAse or ncceleuulon under
parllr.ph 17.
19. Salt or l'Io(el Chnnl:e or lOM SI!n:icer. The Nole or" pnrllnllnlerflt in the Note (together with this SecurilY Instrument)
may be .old one or more limn witholll prior notice to Borrower. ^ .all may result in a chnnge in Ih, entity (knnwn AS lhe -LOAn
Servicer-) U\lt eolleet8 monthly p.ymenl. due under the Note Ind this Security In~lrumenl. Tbere also m:ty be one or more
eh.nCet or the Loan Servicer unrelaled to " s.le or Ihe Nole. rf there hi " chugo of lhe LOin Servicer, Dorrower will be &lvl!n
written nollce or Ihe chA"ge In Accnrdnnce wllh pMnl:rnph 14 I'lhoVI Ind applicnhle law. The notice will slnto tho name and
addre", of Ihe now LOin Servicer IInd Iho IIddrus lu which pnymenl. .bould be made. The nolice will also conlnin "ny olher
Informallon required hy appUcnble law.
20. 1I0000dnu.. Suh.\tancl!s. Borrower .hall nol CAU.'. or permit Ihe presence. u.~e. dbposnl. stornge. or releAse of Any
HUArdou. Sub.l.nelll on or In Iho Property. Dorrower .han nol do. nor Allow IlInyonll "Iso 10 do, AOytbjn& affcclinc Ihe Propl:rr....
Ihat " In violaUtln 0" Hny Envjrmtfn~ncllt Law. The Ilrt=clllllinl: two scnlencu shall nnl lIpply to the presence. U.'<:, or SlOtA!;" IIn
Ibe Property of small quanlitlell ur ftu.:udou'l Subslance, that are gencr:.lly recol:nited to be IIppropriate to normAl ruidlln!!,,1
tI.u and 10 mainlenance or Ihe Property.
Borrower .hlll promptly dve Lender wrinen notice of any inve~lj,nlion, claim. demnnd, law:luil or other action by any
,0vernmeDlal or rei:ulalory agency or privnle parly involving the Propert}' Aotlany Haz.1tdoUll Subslance or Emironmentnl L..,w nf
Which Borrower hu actual knowledge. I( Burrower learn., or b notified by any gnvernmentAI or regulatory AuthorilY, that My
removal or other remedial Ion of Any Huardous SuhMtanee arrecting tbe Prorerty is necOUMY, Dorrower shnll promptly take 1111
necessary remedial AClion, In accordancll wilh En..;ronmental LAw.
A, used in thj!l pllrlgt:lph 20, -lIal.o1tdou! Suh~lnnce5- Are Ihose sub.~Il\nce! dclined AS loxic or hUArdous suhstAnces by
Environmenlal Law and the rollowlng .ub~tances: ensoline. kerosene, olher n:lInmnble or lolOe petroleum products. 10xic
puticide. Ind herhicide.. Volalile "olvenls, material:l cunlOlinlne asbestos or formaldehyde, and rndioActive mRteri:rls. A. used It!
thi. parBaraph 20, -Environmental Law- mel1n! federnl laws and laws of Iho jurisditrinn where Ihe Property is locnledlhftl reL1te
10 healtb. ..rely or environmental protection. I
NON.UNIFORM COVeNANTS. Dorrower and Lender (urther covenant and asree AS rollow,:
21, Acceh:rntlonj Remedie.1:. bnder s"ullglve notice to Dorrower prior to occl!lerollon roUon'ing Borrower's brench or Dny
covennnt or ogreement In thts Sl!curily In.~lnlmenl (hul not prior to Dctelerntlon under parngr.:rph 17 unIe~'1 oJlplknhle 10\,
pro\ide.s otherwise). The nollce lIh:1lJ lIpedCy: (0) the dl!rouJlj (h) the Dellon required 10 cure the derl1uJl; (c) 0 dote, not leM thllll
30 days (rom the do'e the nolice is J;lvl!n 10 Dorrowl!r. hy "hich the default mu.'t he curedj nnd (d) that (oilure 10 cure the deroult
on or hefnre the dote specified in the nntlce may ruuJt in uccelerntlon or the tiwm secured hy Utt.. Securit). In'trument.
foreclosure by judlclul proceed!n.a: and lIule or the Prnperty. The nollce ,huD Curther inrnnn BlltTo\yer or the tiJ;ht to reimL1te nCtl!r
nccelerollnn und the rll;ht to :L'I.'iert In Ihe forc:dn.'llte prnceedin~ lJll~ no".ui~lence or II dl!fnuU or nny other deren.~e or DntTo\\'l!r
Co occelenlUon und rnrecJn.,ure. It the def:mlt t~ nnt cured nn or before the dote lIpecined in the notice. Lender nt Its oplfon m::ty
require lmmedlnle payment in full of uti .'urn., lIecUfed by!ht, Security IIl~tntml!nt ",IUllIut rurthl!r dl!m:md I1I1d moy foreclo~e tht,
Securily In.,tnlml!nt hy judicial prnceedtnJ;. Lt=nder ~lmU he e"tllled to collecl uU l:Xfu!n,ell Inl'WTed in P1tniuinn the reml!dlu
provided in thl1: purllwoph 21. includlnn, huy nOllimited 10. nnome)" (eultnd cO.'1l, IIf liUe evidence 10 the eXlenl pl!nniUed by
appJic:ohle law.
22. Relell,e. Upon paymenl or nllllum. :recuretl by Ihls Seeurily Inslrument, Ihis S~curity In:rtrumenl nod the e:rtnte conveyed
sball ~erminate and become void. Aner such occurrence, Lender shall discharge and sRtls/)' this Securily Instrument \...;lhout chl\t~e
to Borrower. Borrower shall pay any recordatiun cost:l.
23. Waiver. Borrower, to the eXlent permined by npplicnble law, waives and relelljl\:~:r nny error or defectx in procel!dings to
enforce (hi. Security Instrumenl. And hereby waives Ihe benefit uf any present or future laws providing for sinyor Il:tllcution.
e.ll.tenl;ion of time, exemplion from Kllnchmcnt, levy and :llIle, lInd homestead oxemption.
%4. Reln'latl!menl Period. Borrower's lime to reinstale provided in ptltAsraph 18 :rhnll extend to one hour prior to the
commencement of bidding a~ a .herirrs sale pUtlluant to Ihis SecurilY Instrumeot.
IS. Purdtase Mnner MOr1gage. Ii any of Ihe debt secured by lhis Security In~tromenl is lent to Borrower 10 :rcquire title to
the Property. Ihls Security Inslrument ~hall be II purchn:re mnney morlgage.
26. Inlnellt Rate Arter .rudnmenl. Dorrow~r ngret=s that the inlerest rate pAyable aOcr It judgment is enlered on the Nole or
in ao action of mortg,age foreclosure shall be the rate pnynble (rom time to time under the Note.
//""- (.n
Fonn ;10;19 9/90 (r;1J:I' .~ 1'( 6 1';I~o:~l
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's
Homeowner's Emergency Mortgage Assistance
Program
may be able to help you.
Read the attached notice to find out how the
program works.
If you need more information call the
Pennsylvania
Housing Finance Agency at 1(800)342-2397
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 ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE
SAL V AR SU CAS A DE LA PERDIDA DEL DERECHO A REDlMIR SU
HIPOTECA.
..
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's
Homeowner's Emergency Mortgage Assistance
Program
may be able to help you.
Read the attached notice to find out how the
program works.
If you need more information call the
Pennsylvania
Housing Finance Agency at 1(800)342-2397
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES
AFECTA SU DERECHO A CONTINUAR VlVIENDO EN SU CASA. SI NO
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA
TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLE 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.
Cynthia Louise Moses
." October 21, 1998
Page 2
The name, address and telephone number of the lender's represcntative is:
5901 East Fowler Avenue
Tampa, FL 33617-2362
Attention: Rick Riggs
Telephone Number: (800) 776-2211 X 2292
The names and addresses of the designated consumer credit counseling agencies are as
follows:
Consumer Credit Counseling
Service of West em Pennsylvania, Inc,
2000 Linglestown Road
Harrisburg, PA 17102
Financial Services Unlimited
117 West 3rd Street
Waynesboro, PA 17268
Urban League of Metropolitan
Harrisburg
25 N. Front Street
Harrisburg, PA 17101
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
It is only necessary to schedule one face-to-face meeting. You should advise the lender immediately
of your intentions,
YOUR MORTGAGE IS IN SERIOUS DEF AUL T because v~u have~ot ~ade t~e ~onthlv
pavments of$567.48 (each) for the months of November 4. 1996 t rough cto er4. 9 . Late
charges have also accrued during this period in the amount of$18,12. The total amount required to
cure this default as of the date of this letter is $13.336.56. The per diem interest rate is $ 14.89.
If you have tried and are unable to resolve this problem at or after your face-to-face meeting,
you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners'
Emergency Assistance Application with one of the designated consumer credit cOllnseling agencies
listed above. An application for assistance may only be obtained from a consumer credit counseling
agency. The consumer credit counseling agency will assist you in filling out your application and
will submit your completed application to the Pennsylvania Housing Finance Agency, Your
application must be filed or postmarked, within thirty (30) days of YOur face-to-face meeting,
It is extremely important that you file your application prcmptIy. If you do not do so,
or if you do not follow the other time periods set forth in this letter, foreclosure may proceed
against your home immediately.
GRENEll' & BIRSIC, P.C.
AlTOR.'EYS AT LAW
ONE OA TOW A Y CE"l'ER
NINE WEST
PmSnURGH, PENNSYl.VANI^ 15222
(412) 281.7650
FAX (412) 281.7657
October 21, 1998
Frederick R. Moses
123 South Street
Carlisle, PA 17013
Re:' Notice ofIntention to Foreclose Mortgage; IMC Mortgage Company, Successor
in Interest to Public Savings Association; Account No. 0000176412; Note dated
November 29, 1995; Frederick R. Moses and Cynthia Louise Moses.
Dear Mr, Moses:
The MORTGAGE held by IMC Mort!1age Companv, Successor in Interest to Public Savings
Association. (hereinafter "the Lender") on your property located at t 23 W. South Street. Carlisle,
PA 17013 IS IN SERIOUS DEFAULT because vou have not made the monthly pavments ~f
$567.48 for the months of November 4. 1996 through October 4, 1998. Late charges have also
accrued for this period in the amount of $284.52, The total amount required to cure this default as
of the date of this letter is $13.336.56.
You mav cure this default within THIRTY (30) DAYS of the date of this letter. bv pavin!1
to the Lender the above amount of $13.336.56. plus anv additional amounts which mav fall due
durinll this period. Such payment must be made either by cash, cashier's check, certified check or
money order, and made at IMC Mortgage Cornpanv. 5901 East Fowler Avenue. Tampa. Florida
33617-2362: Attention: Richard Riggs,
If you 00 not cure the default within TIITRTY (30) DAYS the Lender intends to exercise its
right to accelerate the mortga!1e pavrnents, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program. This means that whatever is owing on the
original amount borrowed will be considered due immediately and you may lose the chance to pay
off the original mortgage in monthly installments. If fuJI payment of the amount in default is not
made within THIRTY (30) DAYS, then, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program, the Lender mav also instruct its atto~
to start a lawsuit to foreclose vour mortllaged propertY. If the mortgage is foreclosed. ,ZQ1!!:
rnortgalled propertY will be sold bv the Sheriff to pav off the mortllalle debt. You will have the right
to assert in any foreclosure proceeding the non-existence of a default or any other defense that you
may have to acceleration or foreclosure. If the Lender refers your case to its attomeys, but you cure
the default before they begin legal proceedings, you will still have to pay the reasonable attorney's
fees, actually incurred, up to $50,00, in order to cure tlle default. However, if legal proceedings 'Il'e
started, in order to cure the default you will have to pay the reasonable attorney's fees, actuaIly
incurred, even if they are over $50.00, and you may also be required to pay the Lender's reasonat~le
costs, Ifvou cure the default within the thirty-day period. vou will not be required to 'pav attornev's
tw.
Frederick R. Moses
October 21, 1998
Page 2
., .
If you have not cured the delbult within the thirty-day period and foreclosure proceedings
have begun, v . ave the " t to 'II I d ve t e. ale at a v t' e I I
e e t e ecl u e a e ou av d . t e t ta . ve due
e u a te t er c ar"e.. t e due, we a. t e rea. 0 able att ev' . a d costs
connected with the foreclosure sale, and performing any other requirements under the mortgage, It
is estimated that the earliest date that such a Sheriff's sale could be held would be approximately \80
davs from the date of this notice, A notice of the date of the Sheriff's 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 will be by calling the Lender at the
following number: Richard Riggs \-800-776-2211. Ext. 2292, This payment must be in cash,
cashier's check, certified check or money order and must be made payable to the Lender at the
Lender's address stated above,
You should realize that a Sherifl'S sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you,
You have additional rights to help protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM A.J'\fOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT, CONTACT THE LENDER TO DETERJ'v!INE WHETHER OR NOT A BUYER OF
TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE
THE RIGHT TO HA VB THIS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTAL'\[CE PROGRAM IF YOU RECEIVE A SEPARATE
NOTICE ABOUT THAT PROGRAM,
Ifvou cure the default. vou will have the right to pav off the loan in monthlv installments as
if no default had occurred. However, you are not entitled to this right to cure your default more than
three times in any calendar year.
MCE/jls
CERTIFIED MAIL, RETUR1'1 RECEIPT REQUESTED AND FIRST CLASS MAIL,
POSTAGE PREPAID
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFOR1'HATION OBTAINED WILL BE USED FOR THAT PURPOSE
Very truly yours,
"rQ...i.J e E:......
Michael C, Eisen, Esquire
-.
GRENEN & BlRSIC, P.C.
AITOR.~EYS AT LAW
~ .... .
ONE OATOWAY CENTOR
NINE WEST
PrrrSDUROII, PENNSYLVANIA 15222
(412) 281.7650
FAX (412) 281.7657
October 21, 1998
Cynthia Louise Moses
123 South Street
Carlisle, PA 17013
Re: Notice ofIntention to Foreclose Mortgage; IMC Mortgage Company, Successor
in Interest to Public Savings Association; Account No. 0000176412; Note dated
November 29, 1995; Frederick R. Moses and Cynthia Louise Moses.
Dear Mrs. Moses:
The MORTGAGE held by IMC Mortl?age Companv. Successor in Interest to Public Savinlls
Association. (hereinafter "the Lender") on your property located at 123 W, South Street. Carlisle.
PA 17013 IS IN SERIOUS DEFAULT because vou have not made the rnonthly payments of
$567.48 for the months of November 4. 1996 through October 4. 1998. Late charges have also
accrued for this period in the amount of $284.52, The total amount required to cure this default as
of the date of this letter is $13.336.56.
You mav cure this default within THIRTY (30) DAYS of the date of this letter. bv paving
to the Lender the above amount of $13.336.56, plus any additional amounts which mav fall due
durinll this period. Such payment must be made either by cash, cashier's check, certified check or.
money order, and made at IMC Mortgage Companv. 5901 East Fowler Avenue. Tampa. Florida-
33617-2362: Attention: Richard Ril?gs,
~
If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its
right to accelerate the mortgage payments, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program, This means that whatever is owing on the
original amount borrowed will be considered due immediately and you may lose the chance to pay
off the original mortgage in monthly installments. If full payment of the amount in default is not
made within THIRTY (30) DAYS, then, subject to any additional rights you may have under the
Homeowners' Emergency Mortgage Assistance Program, the Lender mav also instruct its attornevs
to start a lawsuit to foreclose vour mortgaged propertY. If the mortgal?e is foreclosed. your
mortgaged propertY will be sold by the Sheriff to pav off the mortgage debt. You will have the right
to assert in any foreclosure proceeding the non-existence of a default or any other defense that you
may have to acceleration or foreclosure. If the Lender refers your case to its attomeys, but you cure
the default before they begin legal proceedings, you will still have to pay the reasonable attomey's
fees, actually incurred, up to $50.00, in order to cure the default. However, if legal proceedings ar~
started, in order to cure the default you will have to pay the reasonable attorney's fees, actually
incurred, even if they are over $50,00, and you may also be required to pay the Lender's reasonable
costs. Ifvou cure the default within the thirtv-dav period. vou will not be required to pay attornev's
~, .
Cynthia Louise Moses
October 21, 1998
Page 2
- ... .
If you have not cured the default within the thirty-day period and foreclosure proceedings
have begun, vou still have the ri!!ht to cure the def.1ult and prevent the sale at anv time up to one hour
e . ec u a e Y u av d. v avi ate t a aut v dIe
pavments plus anv late or other chames then due, as well as the reasonable attornevs' fees and costs
connected with the foreclosure sale, and performing any other requirements under the mortgage, It
is estimated that the earliest date that such a Sheriff's sale could be held would be approximately 180
davs from the date of this notice, A notice of the date of the Sheriff's 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 will be by calling the Lender at the
following number: Richard Ri~IlS 1-800-776-2211. Ext. 2292, This payment must be in cash,
cashier's check, certified check or money order and must be made payable to the Lender at the
Lender's address stated above,
You should realize that a Sherift's sale will end your ownership of the mortgaged property
and YOur right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you,
You have additional rights to help protect your interest in the property, YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF
TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE
THE RIGHT TO HAVE THIS DEF AUL T CURED BY AL"IY THIRD PARTY ACTING ON YOUR
BEHALF, YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS'
EMERGENCY MORTGAGE ASSrSTAL"ICE PROGRAM IF YOU RECEIVE A SEPARATE
NOTICE ABOUT THAT PROGR.Au\1.
Ifvou cure the default. vou will have the right to pav off the loan in monthlv installments as
ifno default had occurred, However, you are not entitled to this right to cure your default more than
three times in any calendar year,
Very truly yours,
)Y2JJ e, r,.",,,-
MCE/jls
CERTIFIED MAIL, RETURt\' RECEIPT REQUESTED AND FIRST CLASS MAIL,
POSTAGE PREPAID
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFORMA nON OBTAINED WILL BE USED FOR THAT PURPOSE
Michael C, Eisen, Esquire
. ~.
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