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Home My WebLink About08-1030SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Asset Backed Securities CUMBERLAND COUNTY Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 NO: O8- 11) W Civil term 12650 Ingenuity Drive Orlando, FL 32826 PLAINTIFF VS. Laura J. Hughes 123 7th Avenue New Cumberland, PA 17070 DEFENDANT COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER ,, TIDE-P-LAINTTFF, : 9R F TYIJR: OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A LISTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 12650 Ingenuity Drive Orlando, FL 32826 PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 6P- 1030 Cut -re-. Laura J. Hughes 123 7th Avenue New Cumberland, PA 17070 DEFENDANT COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6, the address of which is, 12650 Ingenuity Drive, Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: New Century Mortgage Corporation Mortga or(s): Laura J. Hughes (b) Date of Mortgage: June 28, 2004 (c) Place and Date of Record of Mort aye: Recorder of Deeds Cumberland County Mortgage Book 1872 Page 3198 Date: July 6, 2004 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assi ents: Assignor: New Century Mortgage Corporation Assignee: U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass- Through Certificates, Series 2004-HE6 Date of Assignment: As Recorded Recording Date: As Recorded Book: As Recorded Page: As recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 123 7Th Avenue, New Cumberland, Pa 17070 and is more specifically described as attached as part of Exhibit "A" 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Laura J. Hughes, 123 7th Avenue, New Cumberland, PA 17070 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of October 1, 2007 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of January 31, 2008: Principal of Mortgage debt due and unpaid $82,253.37 Interest currently due and owing at 7.4% per annum calculated from September 1, 2007 at $16.68 each day $2,552.04 Late Charge of $29.43 per month assessed on the 16th of each month from October 16, 2007 to January 16, 2008, (4 Months) $117.72 Suspense/Unapplied Balance Accrued Late Charges ($175.5 2 Appraisal Fees $268.82 Escrow Advances $111.00 Title Search/Report Fees $806.54 Attorneys' Fees and Costs $250.00 TOTS $4,112.67 $90,296.66 9. Interest accrues at a per diem rate of 16.68 each day after January 31, 2008, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises SHAPIRO & KREISMAN, LLC Date: BY: Attorneys for Plainti S & K File No. 08-032069 A-5AP Prepared BY. NEE CENTURY MORTGAGE CORPORATION " "LEP, :r DEEDS COUNTY-FA oy Ju, s P17 2 to Rd= TO: NEW CENTURY MORTGAGE CORPORATION 14400 YOM KARMAN, SUITE 1000 SNVIME, CA 02612 Parcal Number 26-24-0611-429 16PM ADO" TM LDWe far Rwwdya Oval MORTGAGE DONMONS wards mad to mddple sections of dds dommcat am &&wd below and ether words are de0ned in Se !b.,. 9.11.13,10.20 and $1. CerWn ndawpnft dse amp at words and in W dowmws m ft pmvldcd In Sccdon 16. (A) "Stawhy laamawt" means M dneuMM wldcb Is daft June 20. 2004 agedla wdl a11 Riders m Wb docmomi. (0)0Darrower" Is LAURA J. HUGHES , A SINGLE WOMAN 8noowor It dw WWOW UAW 03LI SOQIdV IRSWM • (C)"Leader"is MEW CENTURY MORTGAGE CORPORATICN Lzndcr is a CORPORATION 00/11640067 PENNSYLVANIA • WMIO Famav • Pannl. M.WFraddl. Use UNIFQAev pgMUMENT "OR 3438 Vol Fea.1M" YnMU 1???'? vM?YOmpRaGrORW •f10o7"i• 6K 18724G319'9 " b '4 'A to Ex ha . oganbsQ and odsting undo dm laws of CALF PBUTA Leaft'aatddressif 18400 YON nARNAN. tUITE 1000 IRVINE, OA 92612 Leader is th; moripM under d1B Smc* Iaaaurnot (D)"Nerte"mean die pmnwreo<yrimildnedbyBormwetaodddW June 26. 2004 TkNdamp 4wburtowerwmieaderEl6hty-Plv. Tlrousand and N9/100 -- --++-«- ._.???__. ._......--. ?.._.? Doom (if.3. S 65.000.00 l plas barest. Borrower has pm mind to pay this debt in regular Pubdlc Paymcaa and so pay diadM in fullant loserdw July 1 r 2404 (E) "Prowcy" means elk ptopmy dug is demzlW below under dus heading `IWAdcr of Righb Is the PMP « (1') "Lon" means the"cvidmccd by the Note, phut 1-MU any pfepaymmt d wM and Use t'harges der nadar the Nato. and ag tlant due undC th(s 5ccw* Inwumml, plug int"m M "Riders" moms all Ukkm m the Sou * lum mh2u deaf gr; acawed by Bwower. The fow*wg Ridaa am to be executed by Bomv*w (chwJ: but a1 spplkabte): B RWer? Planned nngM"lop ment Rider 1-4 Fw (specter o Prepaystant Risser (f0 "Applicable Law" meaea AR Mora i; apPOnbb fpbaal, no ad beat ssentc%. scgulsttau, ordlanntea PW WJMW W" roles and Olden (that have dos effect of k*) ae well as all applicable find, mm4ppea1ab1e)udidei aphelaaw (1) "Caw-wdty Maodalfoe SM14 Pratt and Aaeeaaaenta" me aA duft fees, aatxsOMM and Oda dWp that am Imposed an llsmrover or the hoaty by it eosdOMalam moodadon, homeowners mwK inewn or Similar ownin"i. (J) "Elecnra•ie Funds Transfer" rams any tonsfa of fusels odw ilsan a trmauedan gdOwed by dnk &A or sbothr peps hhstrusmL whim a mitisod through ore a lc m -unnal, Wghonle bMmP at. cwWuw. a mww& op ws a w order, h sous, cr andwEn a finarsdd hutloedop v dcWt or sasdk an account. Sucb Pam bscluft bit Is as limited to, polnbokale rancher, manauded lellar c*hbx transactions. transfers Wdaud by eaepbow. wire kard rot, aed autopapef dcarinooua UPOO e. (IU "Escrow Iwo" Ows w shave hmss tlmt ate drawrxd to Sodas 3. p.) "Miscellaneous Prmeds" mew my cosgaaatio , settlement. award of dwnegas. or p wands paid by any tidrt part.' (od- thin in-w- pwoxda paid wader dire www4w dum9w in Sasian 5) fa; (0 & map t% m dourvalOre 4 tiro PmpaO. (I) Omsdwe diom or other teldog Of all Or any pat prim ProperT, Cla) ecanyance In list of eondwoudi n, or Cw) misrersamiediana of, or omisslora u w. dec value and/or eondidon of d aPmpoq. 0H) "Mortgage Insurance" means gam= psvtocdog under againa do nowyment oL or ddnk on. dig Loss 04) "Paebdle Paywour mmHg the tW%Fty sdsoOalet arnoen Ow fw ns pdnc i d and in== under the Not;. PS 09 any MMM rmdcr SaWon 3 or this 3=4 lusimeaL 0001648987 'AN ao MMY ?'eiM)1 Oa pp«aci it Form 2351 1101 OR 1872PG3199 (tn "MPe Atrnm Are Rsdl Ibm Seulamat Procedures Act (12 U.S.G Scow 2601 et saga dud its laVo ea ieg mogul". RegrWM X (74 C.M. Part 350, as they m1g4t be mrnded f m des 0 rims, or any eddWwdl or eucveyor 1cSisid im or regulation Plat goverm the some sr bj= etatrr. As uesd in ddt Seamty tusrmawr, *FWPA' rakes to all saimtmteuw ad raufedrds that in lmpmed in tegtdd to a "We+spy mimed mortgage lom" am if the Lao dots roc gwMy se a'fcda* rebW mane losr" under RFSPA. (r) "Sootsdsor m Inum of Sorrower" mm s dry parry that hu tai= title In theFfopertr wbviha or rot thst V" hu asaetned land Ws dblpdms Oder the Note wWw this Saenrity Insamnmt TRAMM OF RIGHTS IN TkM PROPERTY 7h6 Security kelntuaatt mums 10 f mode, (0 ttw mpsymmt of the I.aw. NO DR tt"lliS, atrwsisad ad mciffi-11on of the No= sod (10 lks pwformmtee d Borrower's envenew and WmncM ender ft Security tewommut and the Note. Far dds - t - ,e Bart m don braoby mmWUv, gnat and convey is Latch the fWkming deso i W propsrry based in the comm [Type dAamtdias?orhdtdldnl Of CUNOERLANB 06" "fRwalYeAd.dlaiml, SEft LEGAL DESCRIPTION ATYACNED NUETO AND MADE A PART NERM. whM emrently him the eddrsm of 120 7TN AVEMuR . AffillcumGERLANB Isrteetl !mBed imtrl.Pmarylaw 17070 Mrced.l ( Property Address yPA.'/ TOGSRdER WrrH a0 the bupmvdmsdts now oe he error treeeed On die Property, and dV cucmuusv g4wu woes. and Wasos now or hmafkc r a pert of the pmpany. Alt nepisttirgco and edl Worm 1sa0 also be Mond by Oda Sco riey Meltu caL AD or the fonw*g is taemd to in thh Seemly IMrwteM as die 1001548967 ?w ?dtPAl t'tavat ..wsa re Fina 3 0Se trot 53200 IK1872 BORROWSA COvENANn dut Barrow if Way aiatd of der emote busby commyed and bas fie right Id morip e, Oft ad convey die PtoM and dw dm PAVcrty is wscmabaed, ricept fm w mommas Of. ead Barolrer waeanur and will doled ppo dly be dde in the Propraty :gal= all cW=ad demands, Prbjaat to any mmaabtamms at focad, 77113 9SCURITY INS OMENP mombkus adkxm dovatanb for cadmal an and aunt urdinaa comanis wllh llmlled vaisdaas by jurledid m to calWmts a uniform so mitt' haamamn eoverft mal JIMMY• UNIFORM COVENANTS. Bacemer ved Linda tvrematand s2 ee m Adlawa L Psymmn of Prhelfraf, Ittfarea4 )+ mr Items, Prtpeyatad CWrgea, and D its Chargx Btamwcr diall lay wan dro der pdachpd CC ad inbcs! M the debt ftideboed by hba Now end any Pepaymvs dupes and has dumps des under due NOM Ameawer :hail also fay !hods tar GWOw Iasna pmsummt to Section 3. Payments der ands dam Norm and Ihb Saemfty ban== ,ball be mad; is US. mrrrmey. )3owevv, if may dKck at oft ant resolved by Iande as psyaeut under the Now or this S-wq Imoruocnt Is rcmrmed to Lander uep old, Leda may uapdro Old my car all mubmWout psymmts duo antda dte Nam and ft Seoatey lamovancia bo ride hi anti at move of die fabowing tam as :sherd by Lodw, (s) eaahl (b) matey add; (c) eaTiied aleck, fact dock, loom is slack or amlikes d wX pvovidad any each cheek Is drown upon as intaautian wane depaaita ere Whow try a fedow way. In-weatagty. a ndtyr or (d) Skcaonic Panels llmffer. Payrmnq as deaaed roceived by Leda who rocived at be location digested in tom Now or at sm b odor locaft a may be dated by Lando in accardanm with rho mWo provisions in Seedm 15. Under may mon any pyaant or putlal paymn+tif for p owan or pietial paytamts ate WuFxkw to bring the Lan Wm'W. Leader way acoept any ptgmuatt or partial pay- laattFCirnt to bias 6m lam wnsl, willing wawa of my rights hereunder orpreJhdkc m f4 dou in of am ash peyntmtt or paid payments in the tYhnt, bill Leader Is ant obSta W to apply such p*seemo a der dsa such ptgm m are sweptad.If each Perlo* l'synot it applied as of W xbodded due dove, Tta Leda used ant pay knum an wmpp(kd funds. Lander may hold each, W40 W Gads will Borrow nuked ponsmt to h>ipi; der Lan meet (f Bamwer does not do so wift a rasaab)e period of dw., Lards AJ delta V* mach fads or re em titan m fsarovrr. If not applied earlia,such fu da will be applied In too ouwodfaep principal bdam u dcr the Nose immaeWrly vier to fomxdaua. No aMw at claim which 13uaovw mutt have now at in the future spinrt Lida situ!! tatieae Borrower Dom make` pugmaula due adr the Nam and this So" la ltmoenta perforating the t and apoccom seemed by tits SwAk bimumatL Z. ApPlk3 oa of Pnyae.u err Prowdi , Rsceplm of hmwin dodbed In Ihk SeFtion 2, a payments wMted and applied by I shall be applied in due fdowina order of WW*. (a) wepal due :roux Ow Not; (b) principal dad under the Nola (c) winvau,dm under Socam 3. Sorb payments Aall be applied to each Periodic Peyahent in The order in which it been doe. Any ternaining aneauts shell be applied firer to I= dwscs, amCmd to my other asosou due dada olds S%vdty inw and then to reduce due iata d balmW of dm Note. If Lesdr.recolps a Paymart fmm Borrower for a dedegmeat Paiade Pryseat which )mead= a mhKucJmt dean to pay my Imo dime dam, the p n" nay be appW a else dcrmqumtpaymmt and the tarn chmga Ir am the lino Periodic Pa7mmr is a tg, Laren may apply my payment **ocd Gam ll n cr m the tepaymmn of the Pftf i Paymar , if, and to the Meat dull, ad pq mcm an be paid In 0001845967 . uMUrbIfta(PA)WaaN p•r?d•,n Form IM ir01 J? I872P632UL full. To the extent din my cum a dsu alter die psymao is sppucd to the W peyremr of one a mace Periodic Pay;WU6 no oa<cas May be applied m any tero WMas due. VoMmy pnTgmonb shag be WPtW Pat n MY p[epgtneadwgaad tnm a danxibed In the Note. Any WHOWM of pdmpiM iworaae Proceeds, or MamrA=a Proceeds m prieeipd due urdv the NMAduatumWar, tpodeWe3nadaer.acAmgamatmtduar,?dteitritdiePtyytaenu I Fetch dbr XWM ltMM Borrower"pay IoL x as dieday Periodic Paygipa am dos under the Note, iron dx Moro Is pdd b fern, a am Me'Mob") in provide for payment of mounts dra for. W tuts and a -Ohmta sad opts Moms wbM cm mote peb* asv alb sctb* biatmad a alien or eaca bronc; on din 14M edr. (b) le-Wd pgmmb or V=W rents oa the Psapaq, K my. (e) ptmlwu for ay ad A lasamae sN by Lader atdw Section Si ad (4) afwtM Uwaoee pmmimpt, if my, or any amen Pbabta by Bwfowa to Leader In lien d tbs paymsa of MM" Laaaien pteruhmu in atcw*swewft the pr WWS of Semaw I*. Three imam ms CWW MW W hear Ataigbaehm or m say time daft din tam of dw Lam. Larder my Mahe did O mm z ft Aaodstim Dua. 1bat, and Anew=*. if any. be eaerowed by Beootra, and mch daa, fbev aid asomsents ahdL be a Esau. bee. Dom" dM faampdy Aquab to Lander an aotlem of ammrr * to odd older iris Sactiwn. Bwtower shalt pay Leader riot Hands par & MV Imo =to Loader WdM Boerowa's ob%WJm n pay a Fords for any at all Escrow Naar, Lender aq waive Bmmwac's ob%Wpq to pay to? oader Nab for my or aB fibapw Last at say dent. Any such wWer my gulf be b wdlb& h dte erect of air waver. Baanaer AaU Pay Mft who and where pgabb, the anoints due for any 86m r bras far whidt poynhaa of Funds in bem mbad by L each ad, I[ Leader tvgobas. aANO fmabb to Leads m aka evidmebg mash payment wilbhs such dix period as Loft mg mpim Bottowa't abBgatoa n rata such MMM ad >e provide neeelpts dts0 for all Du N be tlmtted nbe a cavmaa and agtaemdw conodnal b this SeaMlty Iniautaa4 a the phrore •covmma ad apmenea' b abed is suctim 9. If Borrower is obBs" to pay }yeraw laxm diMWy, WMW n a wawa, ad Borrower fib b pay the mom do for an Escrow Item Leader racy eraela ltt fights under Sacdoa 9 ad pay add asuk at sad Smmwer thto then be oblipmr,,d under Seddon 9 a mey w Lender my mch amend Linda mg tovoka lbs wWva a n say or au Efamw Item is my dm by a Nodes given In tt>cadanis, with 54W 15 md, upon mob tevoeadea. Barmwa Iola pay b Lender au no&, sod's shah mmums, that am tire. mg I I mdc ddb Sowun 3. Lender may, at any nm collud md. Enid Feb in an mumt W sOciat in p=uk Lender n apply the Panda a do lime spet:IBed under ROSPA. mid (b) ad in exceed the uW16 am mecum a leader aR require WeIct WPA, Leader d W 4aroms the MOM of F1mds due an der bads of carmt dm and rraaptatblc card- of tzpe &WO of fans=" Max a ametwba in aeC WMW WO Applubie Law. 7be Rids star bahdd in a bow wbme depadM se braved by a fade W ogmey. laarmcnobty, ur q'Wq (nctuding Leader. BLeader b an i o*Adon whose degaft we so Neared) or b my FWUW Home LOU BM L 1 ender *4 q* the Hinds to pay din Fadow b m na Imo that the dens Occirwi coda ROSPA. Leader shag sot ehatme Bermwer for bdit sad Wyin Ow Pauds, amady onWyslug the escrow asaoer, rn yerityhhg tae Fitxrasv Ham, WWs t=KW pqa Swum ifttsmu no ft fends and in L der to tale weh a dmrgUalws a igrammt 4 made in mddpg m Appdim6le ? r ire w Lqbc&A ponks paid a4 dm Pads, Leader dun sat be re I",,t er pay Bormwer any intact or cmnmgt on the made. Botrum ad Lender sae agsa in wr*g, However, tea boat 60 be pab m the 0001649967 n.rr• 41kNIPA)loreh ry.ar is roman lift Ot 1872PG3202 fWlda. Leader shall give to Bmrowa. without chugs, an awW aorannmq or don Fmdl a Tapircd by RBSPA. If does u a amplua of Fonds bold in arrow. a ddkad under RWA, Leader duns eoovat p Barrowet lot dm moos bade In tttsosdatee wide AWA. If dwa is a shostaga of R** held in m=ew, m deed node RESPA, Lender Ad no* ammaer as togad by RPSPA. MA BW"' shod pity to Lender de aununt nee-" to molro np the AMW bt axsndaa with RBSPA. but Is no ttmc than 12 madly paymeom. R ft m is a de&koq of Fonds bold Is cm- m de0oed mda iRWA. Lender ftU no* Borrower a rognbe0 by RWA. and Bacrower thrill piy b Leader Ow amount amepty b halm up rite defelawey In. aoecrdaue WA RWA, but In no more dma 12 mm* paymeam. L)pan Payment IS fall of an tons a MUM by I* Seca* lamnme , L=en shill propdy Idud to Bantam say Foals lath by Leader. 4. ChOW t Lka. Bmsowr shag pqy all nicer --mM ebarM Me, ad mpo>ttmm amibumble r do Pmpmy whkb one amdo pkk* avv dda Seeadty b atrupe a, Laabald paymoom or ground tans ea don Pmpaty. If ay, and CawowAW AnocWm Iuor, poor. ad Armmnam, If nay. To the e uenr dent throe in-aro Ed- boors, Berowsrduflpay theta in tba atwuw provide! in Sexion & Bator y Von which he pr6oft over ft (a) W- in *'WN In Pgmu of the b%stion smmd by tho Amaam mm w ccptt Leader. but oily so long a Borrow is pertaomipg twrh Wreemaa; (b) ammo don am in good no by, or ded'adi agabat apfmtxneatof rise Cat bh.legol ptotmgiegs whiek in Leach's apbsm oparsa m prOvmt The afoaammt of the den wbaa tbae ptoeeed op am padmg, but aady aadd such prosaalbW arc mttrmdedc m (e) sccahea bum don bolder of Ow don as spwnm ads4 mey to Lender agbmdka ft the Bra or dds 3amrbl' IaswnaL It Leda dowaine dba MY opt of to Property Is atrJem n a Ilse which as Nmin WhUY ova dun $CCw* Imvhwat. Lender mey give Borrows a notice I mo*g dho bro. Wit* 10 days of On doe on which that now it given, aeasot or go minty dhc lion or torte am or Moro of the eedoas set fatdh above in ihts radon 4, Lmdor may nquaa Borrower to pay aonastynaodwge for a sad caste tut vadBcaion w4br m rcing novice used by Lender to connection wilt Otis Lap. S. Property inwrrwa. Borrower droll rasp *c hapso--w now W tog or he adta ne=ed an the Ptoprny Wmod against loo by b,,, haaada is WW uft OM term 'UW W d er uW, ad nay odhct W" including. but not Ibaloed ox aanigaaher ad floods, far which Lander MPIM 'M m Mils lmurmtm," be wbubmi k the amowa (hhshuding 4M.wft kvc* and for the porbds dw t.eada mgacm What Lemid requ4m; pmaoat n the Paooodips mama an cbohso da" the testa of don Loan. The btsmrsnce corner providing don ramose sledi be obmm by Borrow subject to lender's tight to tihmpPwve Boaowee, ciwice, wtdch tight dung act be tsmbed uareAVOaably. Lwmkr t, apgoya Bmrowc m pay, in mmccdon wilt olds Loan, ddror. (a) a aerate charge for flood zone ddamloulA MWOWM Ed r Oldd m g SerVieeR O-qn odt(b)) dots -aWp or *dw A 05&&M eft-to fo< f dood engcs Moe cdauam ? which itedaa and cmO=lm AM st l pttea rush d==Wton Or COMICNM Baaw shall do babe xd foal imposod by *0 PedaMl ? wilt b the » the p review ay of roat o[ ay yea detmmdaudou;mItin bam ? in mnnecNob rvi? may flood acne g obJrrioa by taorrower. Mr -?- atd1pA)lreerl parlrwn Para 70.70 ifel OK 1'872K3203' If Dorrounr fails w nWaWn any of On covaas4 dnaibpd above. Lender may obtain inmraacc avast, at Leader's optom and Baomwor's apwue. Lender a under m wbligWair q pirebm my psticale type or amomt of eovaegw llmTlcM MWA awerags SIM Cover Lander. but mgbc or 04W sot Pam Btmower. Burwwer s equity in die Property, a dre commas of IN Plapeety, 1VbW ape rW had or Iiawlty and night Fv Me sews or loner wump then ws ptwioatly a Itfsp. Bones mlmowkdsta OW dtc ups of die amnaa eovw¢e so obsleml right slgal0nedy acid do cos of iesumce In Burrower could have abMumi Any amoumis Shin ed by Leader atrde tbh 3%tm 5 shall bmoma xkWm d debt of Borrower IecaM by don Swutity btammsut. Tam aeow* AA bw Interest at the Nate rate from the dace of diaAmsapua and sbtm be pgdk, with until inturm aeon owlae Liam Lards to BuMmm requosing payment. At Insminee paGda regwwed by I mdh and renewYs of such poWes " be sub)wx m Lmder'a ftM to dh pjvom m* policies, sbst include a standard npS a, Omar, and shag name lads m nuft"w mod/or as an "da"d Ins payee. Lesder shale hale tM dght in bald tae polm ad eeeawui certl5cW& 9 Leader regukn Borrawh shag p mpdy give to Lower a8 mc4ft of paid pranlo q mad mtatral ADOOM If borrowor Wades my foam of Iruwnim oovarpa, not otbawl" requited by Lends, far dmop to. or dctftuctim oL doe Pmpe(y, such pdiey slit inrods a sbndl d tswrgmgo clams rA Aiall mole Leader as mortgagee mi t as fn addUioad but pryer IA dm cvwt of loos, Barmwer shat side prompt aodau o do iasurmce eattkr tad Laden. Leda may male proof of ken If a% made pampdy by Barswer. VWM Laada and Borrower oherw V a in wMW. MY kWUMCa pw>oaad% nbdhet Of 1109 do mdcryb>s asrmce win taq*W by Lauder. s1WI be applied 10 udoradal or M* of rte Property, if be rm MIkin m mph is wNwaiiWly &Uwe mad Leach's aavri y is not ksssucd Daring such m* and micretion period, l- w shell lim rho right to hold such knaaance prom' undUcridsr bo lad an oppartaft in kirpect each ptopcty in am= the work has bum wmpkWd to Larder's sadshdim, tawided dam awl Wigiactian shag be undaadear promptly. Larder any disburse pmoeak tnr tiro mpabs and taemmrloa In a s4k payment or in x serks of ptogtw paymmta as rte wort k cmpftd. Ikka an esrcammt 6, made In wants or AppNcahk Loa rrqulras inwm to be paid on Utah inssreart preeceds. Laude shat sak be ee 6 , - , to pq Bamwat my Iowa or wtwiuse on such poccede. Wes for pWft adjumuk or other MW psW& maWol by booonu slop not be paid wt of din ktvmmee pmceetL sae shat be doe role abllgaGon of Boaewer. of she swwnion at rspak b na eemtxak,dty fesoWe m Lawda s a* miq maid be ksaebad don infalaapp preoveds slab be applied to die win .secmal by Otis SecuM Iasmm mf, wbad er at am dew duo, whir the Ct mt. V my. paid W Sonowar. Such know procadt AM be Wpftd k tla wdcr provided fir in Section a. It Daerowa sbaadiru the Y'ropaq'. Linder ausy 8k, aesadawe seal nark wry avalabk inswmr11 rJsim end mlaWtt wawas if Batrower does am respond within 30 days to a soft Ovoot I- dn[ ties buem ee aeflet tons offered to wide a cWim tiaau Lender mey negotbm and scale Ore chin, TM 30-eay paled wip bclOn whom rho notice Is sivm In eldrer eras, a if LwAur aupim dm Property wider Sccdw 22 or oWerwix, Baotower hereby mAm o LamW (a) Dwr* 'a doom any aroma m prmaeds io an eanount auto a tcood the amounts unpaid wider tae Nob or role Swurlty bmntmam, and (b) dry adw of Benawaaa fthts (odder thin die, right to any mfmd of unread lrmdum paid by Borrower) under all kmuw sl polktica ormins of Pape ty, lnsogwr as tops Ashes are appucabie o the Wverw of ire Yropaty. Lender may use dm kuwance paoaeM oba to espek of shore due Property m o pry wwwnss unpaid udder d,a Novo ar this $MA* Instrument, wbeft or not thaw taw 0001649987 IM,M 4%4IPA) MOM P.O. ra, it Perm =0 Wet ItI872PG3204 6.0aayao97. Borrows eAa6 angry, alolbf%h, and use the Property a Sorrow's p W*W teaftm .Pohb 60 days dter the eteftft of 4th Sxudty Immptaft mad dub 00adame b axupy dte Pro" as Bamower's p ipcw rommcs for at taut we yar after the dom of occupwicy, tabs Lrtdta 00074M agraa im wOl& which 0000011 mladl not be tatresomuhly wkhbeA or tmkm amnuadng dtwmsanm mdet which we beyond &mvm s wnleeL 7. Prrarrmatloo, tYLtbttetmeea ad P,dadaa or do Prov.gt Lrsp@WWA. BMVW 00 mot desooy, damage Of impek the Pmpwq. allow the PMaW to dcaalamm or roman wmm no do Popery. Wbedw Of e0t BOH*wa is mking In the Property, Borrower d a mdWW is dte PmrM in ardor b ptermt do t'WOpaty Lvm dMorlwtdlag Or domm tg m vans due to its md)dm. Uwm is is duumbo p um M b S=dm S dust ramhr or mm adon Is notecaaatskay kubk, Bormwet dull pttmpdy lap W ad Amp" R d MqW to avold fmrthas doleitwfdon er dmmtga if bwnw or wW=m ba pseuds we pdd in coomecdo t whh damage iuor the WOS or, at Property, Borrow ]loll be swpaaw'bto for repaasg or setmtbg the Prop" ody ff Leader but felmrd pteceslh for web, I ,p IgrdR many dSbw* I .... 47 for tie mpairs and ramrabo in a situ psd'm m at to 4 maim of pop= paynmym se do work is Bonowwhis mU vod d Boaowm's OWiphoa fordo g consplefto of wcb rqw1rormsmadom Lander or iim mpx mmy maps removable Wain Won Wd 1019MOOrst of do Pmpeny. If d ha reaum" close. Lender toy bfpem do in%= of du itapWOvo mil an do Pmpwy. l.esda dub give Bonower nods at the dmc of orpritu m wch an htt0iar impeedon sptcHyhtg erncA r,raswtahle tavoe. 4, (forrvwsr'g Lan APPrc d m Borrower dmll be In dcft* iL daft to Loan mpp&wm proem. Borrower or my pm wm of mtift x ft at do 4b=dam of aca ww or wilt Soemwer's heo.dedge a ctaumt » noway Use. atldra4& a daeetaab MMUNiaa or 913100103% 10 taus (Or rdlsd to lev" La'W whh tWmriW ht6am0m) ht wmeWm with dw Loan. Malerid reprmm mdom include, her NO rtot Bathed to, repro mission mm11obg Borrow's woOPaty of the PmPaW a Borrowah prhKW tuwcm= 9. PC-WU a of Leedrr'$ lateral In the hoMn y ad xkb% Ibdfr mk *CM* Iag%ttmeat If (a) Bor-& Wb b paform dta covenants and Aptauem% ma mload ;o dim Soweigr lmosmcoL (h) these w a 40 p --thug tot might dp M m* adroot Ludes bamt in dro plWy end or tigba under Ws Socufty Inah7rmett (garb as a pmtleedud fa Amtoopmy. prohals, for ourAmumtion or fttfdmae, for anfmcammt of a Bee Which AV wait p mfr over Ob Sam* bmam m or to mho Um of ngWati m h or (c) Borrow bas dandonal dW Pmprsty, mom Leader msy tfo and pay for whmm vcr is ben ro p OWLVUWS tweltin Waperty and ri$a amder ft Sm,* spdsiag of *6 Pmppty, and 9ewdag =44 rcp*in the t' tiny. Leader's w toms ha imlude but are oat OmiaII b; W PUWB a13y tams smmed by a Ben wbW, ha pdaaty over tbia SavdW,y bmument: (b) Vpm* in coat mod (c) ptd'btg tagoubte sot W' fee 70 we= its iataeat m dte prepety su r rioa coda this Sacwhy AaoamcaC bt aft lb aaatrcd pomhlm bt a bolvWxy p ocBe g. Jxmiug gte Aopeoy bdudm, but is wt IWW A aftmg ON Ptopay b matte mf? dtwtle loft mpba at boats up doors mad wbdows, drain water home Yom elomimtc building or order code vlokiwu or dew= wddcoa, and have adlilks butted an or W. Aromtpt t,mdar mly lake anion under this Scalm 9. Leader does ant buve m do so god is ant coda a" duty or obligndw to do m. It is agreod that Lander incurs no IbMicy for out taking any or BE geuamm aadmr%od uttda tAts Section 9. t/ rJ 801116,1112117 UNYa Q%.a(PA)laoay y'?P•aw F.rN7 MV 1107 ,BK t 872PG320S Any mmamtn dL*wmd by Date =kr dam Section 9 elsll brseme addidoaai dek of Boeower mcmW by pG Seerhy In*wFiaL Tom amaeon 3kW baa hnt:vat u do Woos We trap dw date of dirbmwpw aad ahatl be payable. with such imerm upm notice Gam I coder to Borrower mquaft aIt rhos ScWM InaRmmad is on a kooAOld. BmTOW SW comply with all 00 taaslfiom of dw lase. If Botrowa &gWm he No b the Property. ft ltsmhold and tlw Leo ddo *a mot merp tudms Leader agnm in Ow mraga in wdit 10. Moepppe laamwom If Laden mgWM Mw4 ge tummats m a om ti m of aratbp the I.am. Bwowrr abtll pry the pmdmaa mgalmd p mmbtak be bforop Insurance In effem It for my tenet. ITIm[8o Rgaiad by Leader nnlme p be armgmbiC been, to agrtgmie iwaarc due ale toward dw FRrA uaa fer Mratgago 1ewMmaee, BamOwer we pmt are tree I mgww 10 00 w9u m>te wborlDWY equtveltatt m Oo Matempt Imwrsm gwkm y In W OM at a cam abUMWY egdrrkat to die rest b Bon wor of rbe Moth p lnexN= pmvM* is atrw6 Gem an abomate martgmse baattr adrAt? M tinder. Ir auhaemdally equWeldtt Idoe4pdim tatrtaeae eaaerape b eot avaBWk Batpwa ahm0 twrtdwm p pro q Lads dw attmurttaf the tepwatcty doeipartd paymw3 dLd wtto duo wbw the be== mvamge eased 1o be fn effect I.ader oil aoagt, rs ad remttaabin lhrm payeeenn r a ml?rdtmdrbk lo¢ emtrve b liar ofMrutpSeimmtnae0. Sato loeattatmve Wallbcmaaedbndmboawaohvgistttasip arm petdut the [amt b uhimakly pall b t'ne, and l.eadertrhes as ire rrapdred p pa' Bartearr mmY iate? or erWnJ? on weh tow coerce I order an no brtpa togoba loo raxsae ptryammb if 1Horksernrea mveaga (In dm ttantmt nit tat the peebd mtot Lads prodded by a keeaa' wletkd Laden egeln baaome awt'ltrble; b obndrsd, od l atdertegehsa?y riadpmtdpmYa+omts pwmd daetm0mdatrea to laturartea Ir Lerdsr segnbed MaAgape Gaatnaoe w a mrtditloa of maldmp tlw Lma sit Ilonowa wn l WY t1m Imams to In 10 aairmaa MOrtpWe b4araooc 4 err p pmrlds m aoa?oAmdab(o bs receive, umil Larder's tegWmn t for Melgmga Iaemaaea ads b moeardom mdah my wrlaem @Vo w= btmwom Borrower and LaulaPVVW4 for ad tamitwdota a"mtshmdm Is M *&W by Applicable t.mr. Nahbiln thk Seodrar 10 t 'a ohSpNoe to pay iaMrmt s tie nine provided hr dtoNme. bUV4P a Inarmncc rd mbmm Leader (army amity dnvm bmm rice Nato) far mob low d may ivety d Baauwc tloa am repay the I.= m aped. Batmww is om e, party to are Masgaga Immwra. hbrtpep0 mum mkuft their OW A* on d mob W mm = In tma atom that p firm mod may enter into a&vmwm whh oW paNn dodmm or moo ft drdr dtdc, ar redeem lams. these mprmme w tae 00 tumor aed 0atlitioan that are BodaGWY 10 the morrptpa isms std are ohm Pam (or parch} m Owe ataeamalL 7ume apreem o may 70gebo ft mwtrgata hwilor p maim ptymwts cons any aoweo of rands amt the Mawr Insurer may have aval" (w may.1nalmde fordo obtained tram sfarpt P h=M= tVA of rkme 14MM s, LAWK, any Penrose or Ore Moto, magOw., . any rdswa. spy 0dwr mOrY. or arty d Ware Of any of the brop ing, may rtxdtw (diroclly or Wdiraely) ==IS that derive from (or milk be el mated a) a pwdoa of Bmowe's pslmrmp for Mmtgapa Iaamarr. In achmpo for daft or.moMyhtg der: monpmgo team et dak. ar mductmp boos If mar epr em I pavIdes altar an 4Wiam of Laddw tolens a Warn of dta imamuel da b cAmp for a altme of rho p oWomu pad p the lnmer. be mwpamat Is tWar alma Impdvertdammmtt0.' Prwdw. (a) Any tech arvioraft win no 4&vt air aaaouatm ant Burmww ram opted to pay 14t Mortpmse fattawaw. or arty other twin of tit Las. Sea asramaw WE mot ftmtnaae the amount Borrower will we for Mwegaee Imoraneq wad tbqT wig am a" Bonv.wr p my rshaed. 00016?8Op7 t 1? elpAi potty r.r. ? r u Porm acme 1A1 lK 1872PG3206 (b) Any nth 112MI IOU WW trot milted floe APU DWruwer W - If w - whb twpea b the Winrigeg lremewa miler u. flouea,.- F. In Act of 199! or my allm beer. 7bae:yen MY htdade the 49t to recein tertnk dettoeasw, to request sod OWN tartdtM" of tie hdltrlpIF kim"Mt. can the IrlaApt. faserada lsewlsesed aataseatkaDys aadke la rcahe a ro0aw say M1oApge Lear mce pre wdow tbRt wsse msxwed at Ow trap arncb caaallndoa or terubidim. 11. A=*Rxw t if ltehvismaaus FeoatadF Forteftom All Misadl owus Pralatda me ttaaby wiped to and"tic PW A) I.ader. If din Property is dmagad. mcb Mscaftcoas Pt weds &A be WpW to resat or rtpsw of die Property. I die r-, ,don at re* Is economically (cut& sad I - a ram* is not I==& A=- 'r m h r??q jIr ad resimadloa pwkA Leads shill but tie daft to Mid such hfypolrewse Aawcda 7tu !rd en a y b blg Rich property to Moro rho -a* bas beta owripklod os Iallehal00, F rise aide Inwedw doll be , 1, , i pwipAy. l.nww MY pF la ate rc*z m in, s seals dUbana sms of in 0 antes or pew ptM*w as die walk is MMMM& UOU m agtemralt V ands wddng or App Ucabh Law r eqs [1a warrer ro be paid no ash A ' aroma Ptooeads l miler shill no(be required le pay Bommwer my =.== ir hflwpaoaow p "" I Ildic tcondon of repair is tat teammicaDy fnuiNa be k" MA d a KWOUNaeou+ Proceeds dM he applied a the sass served by dda Seaotty laaleeeaest, wadba orcot thin dac. whb ttw tsoaasi if hay, ppW to boemrer. Sash htieftUppww Procceds A4 be appAW in dw order plovtded for In Ibc aveat of a mad Iatag, acmuWon, or lose is VWW of the prop". eta h9wellseeotm Promwk d aU be WpUW b ilia mas wetlatd by ads Swodty bulsttmm4 whdbu or not Mm dot, with fir a ego, If aryl. paid to Harrower. in dw c"M of o pwOd Ialdog, 6wnvdadt oe lop In vpdda of ibe Aapay in which dal hk Market va)dt of the hmpaV Imrmdlaudy.Marc Ibc puael pWoIG dwaatlow ur )sea in vlow o ogwl In or rasa Jas the sum of fits cans i red by rtaa Sccwby 1Maaarova iswWtO r bafan Iha petal UkW& deatrutdaa a lap ht vehll, aalGes Bottpweraa0 Lmdcgbawisc apw in wnmtg, rho Fm Dialed by this Serrrhy murwa nt shall bar seduoed by the *a*= of die Vaccibmwoe PntwcIIs nddpW by the following frw4km W Om iaW w wwtaf * aws seamed trmmedatrry baton the pmtld tldLhf( dewretloa, or km in vaha divided by (b) tbo farm aw2a vakro of dq PwpM hmncal m* baQna dw psNil Wdeg. desavcdmi, w low In valor Ary.balf=00 be paid 0 Darowm In are amt of a pmtW ug*,& dro vedm, or km hr vWuo of ft PwgM is which die fork moo vacua of the ptapaq, bnmedbay betas the psi W W& dasww 0a, a low in Vim is iw thm the accost of On mama soeaod immedlamy bdma the qw W takkig, dasoddon, or Im is video, aptaa Dom wer and Leader oMav*e even in. wri ft dial Ml104wow Aocwda Ball tic applied to dm sums reeulad by this Sttmtty havasear whetter ar sat champ we that (tea. If 69 Property Is abewaied by harrower, or If. &er aotke by Leader to Bwoww thn tie ppposalg rimy (as d4mad in dw acs sa acme) offcn to gala an aww to scale a deem for di mgpd. Bortawar fail m rwpand to Lartda +vidibr 30 dams doer dal do die mdw is pvea. Lander Is m6orl ed in oodlas *4 wOY dtp a= Plooeads w6a m rcMm&w or repot of dial PropaM or to fits acts ec cased Iry d4 Scowity Inommm. wl o0w or sot dim duc. "Oppoalog PW memn the W d party do owra 9oaawa Wiimdbpww h w & or the panty m Mind whom DQrower has a right of adios In rgp4 Io blecd4a bus ProcdOds. Datawm shill be in default if hay saiou or padm4b& whether t:fvil or wkpipel, is bqw 11aL la Leaders Judgmenk could rewk Ia farfnisum of eke PapMW or edwr n%mxW dmp*av of Laws, ., in d%properry or does defier dire Se&i* Imeuman. harrower tote am Deb a defile ed. $ a wlergdon has occurred, rdmtme L provided bi Sedon 19, by maim the sods or potocdiag m be Awbod whir it nding tbeq in Lader's Judgmei, p wludca fwfdwm of dto property or omar. mawW lmpshmeu of >>>0001tt "67 (Ck-e(PA) twom tad ?? letile Fete 3"1 1101 &I872PG32D7 LMWs intaeat is fie Arvpery or rota wider Ot6 Sanity ittWmr L TM ptomads of any award or gwa for daatagw ft ac ambatable a On inept mxm of Lada's (Mama In the Property we baeby salp ed ad dwU be paW a Larder. An Mrsafiraoow Pracorda fiat am sot spp0ad m taeootalart m rcp lr of tba Ptmpaty shill be appUW to the order provided for in Smdm 2 IL Barrum Not Ron** Forbaraee By Leader Not a WWer_ r-wasim of Aa doe for psymmd ar modW=m of aaarlbutlart of Ow was setaad by We Sacmlly Bahram m; and by Lender a Aarower or any Succosa in lakraat of Bt>traws slab amaptaaa m taiaare the mm?ty oiBaaoaer a sty Soouessms in Inrerat of Sommer. Lender 60 ad be regdred to eommeacs proeeesnp adsiast soy SwrOfIW in lpwmt of Bt7rmww m a rogue OR extend Am ft paytrrmt W alherwim mo ft sssmdsadne of ft am wowed by Wa Soh rq kabwaart by ruma of aq demand mods by fie arigind Bom wer ar ray Sumcmm is kn.test of barrow. Any fM*mc pe by Larder is axadoag say dghl or nrmady mrloding. witboat Wnfla a. Lady's woapaw d Mina as Gam Odid ptrama, anodur a StmaxasI io karat of Batmwer W is aaamtts Imo Ora The =o M drat ilea, dM not be a walvu of at prmladd the aacaaofmyrW aremrdy. M. joint and Sesser! Ways Caayaens &wcallen sad Aortas Boawd, satwa wvm" and aFtea ttta Bamrver's cbnpuaat ad BeAW Ad be John sad aaveraL Iao.avr+, u7 t.mwa who M419M thb Swosty larbomwt but dWS tot Meru; na Nals (woes t (a) It, als l $ dda Saaatty irlmiatneat only a wcxgssc, 8rM ad wave/ Ott ca4i8rree's jam= to der plaprny under tba u; m a[ tbk Sma* kWwaetrt (b) is napormanally Ott" to pay IM cams aaemad by War Sou* k0ummk and (c) apca dun Lads and say o tar Sanwa ca agm a maned, moldy. Gabor or maim may Wg anode iws witb regard to !lrc t, ms or his SmM* laam arrt of Ore Noce wbsrow the trrstpaa'a aaascoL Subjaet to do pewisiom of Soalar 18, say S WMW in INUM of ilorroom who agpal0a Baavwa's abl*Mk- each Oils S-ft Itutrmaaat In WdU* VA is approved by Lmda, than absda ds of Hoaowa's righu and bvA b anda fib Security hunramL Ramwer sb.n act be rd=W twn SWWWW's d&pum and bd ty oft this &anlty !ammeat mlesa Leader sgrcn a 8.6 rums kt wntio4.'ebe oovtYmror ad agrameaa of the Sccamy Bpbuoc d sun bind (except as provided in sander 20) and lp r 4 Ote o4mmemra and ao*w of, cWw. la, Loan Cnartee. LVWW aeay Oupe sssrowM fees for =VIM ptafonaW in eoneeedm wWt Batmwes delwk, for. dm pwp w of psoioWng La*es W"t In dw Pmpaey ad d$* under Us Saetahy WMmem, lrrelaft& bataot Oadred Wk Mccup' fast property kowdua and vdudm fca. To regard to any edw ran, die abreeae of aI mthm* la dda Smer4y Insoammt to charge a rpadfic foe to Borrower dm0 not be eooaraed a A p oWbk* on dtc ohie 6 of such fcc.I aWc my sot drama fen that ate c*rj ly ProNVW by this Seauity haouwtut a by Appttcabia Caw. V the Lou is sabJoa to a taw which sera nuiximm lam dwM and ft law is fiasiy laterprrird so OW the intent s odw $a m dwyn cw0oead or m be aonaead in mmecdar whh Ore L4*d ailed the pcrmhrrd UmIK than; W my arch loan charge dM be roduead by the =sat ame sary a token dtc charge m the poldved Soft Aid ro) wy snap already Muccicd tram Bawer Wldch esneeded pamibod bw wul bar rdmtded to 89r0wer, [railer n,q elroow a sake ft vduad by rodeft die prW*A ewd toil= the Note or by makhtt a dkaat paymwt a Baroww. if a rodad sedum ptudpaL Om radacdea win be ttayled a a Pardo pnep MMI widget sky pwpman cbomc (whobur or Act a pnpgmeet cbow is pmvw far ands the Noe), Rermwer's AostPW=Oragr sttdt rdad wde by dhaa psyraa to Borrower wal tamduxe a walvw of ay rlgbt d'eaiou BMrotra might Mw aialRg oat d sueh QT=ba$e. ,p?J 000164 ®e1-0(PAlttwoq rsrartatw farM*94 ma0am trot M 18'72PG32D8 1S. Na4es All nmdomoby Bartower or Lander In ca mecum wilt ft Seam* lamencrt mot W is writing. Any molls to $a mwar In connection with Ibb Seccrily Lammanr loll be demand to here been Om w Borrower when 1GBed by lba class mil or wbm nook ddlveM In Bdrawar's wdm r4dow If gem by oher memo. Notice to any am Borrower tdaB amwmtB notice m all Barowma tilts Appliemble Cmv esptn* ddwwbL Yom moth seldras shad be the Property Adkm moim Sonoma bw dwvmd n= nodee addreae by mite m Leader. Borrow" !dell promptly notify Lender of irmmes chop of addrem Lt reader rpadfka a prooedwe for repotting Borrower's dwuye d addmw this Bararm"** report a degas of eddrat daaagb dmr apeddeQ prawhma 7%m coq be only ode did notice adebeo under mice 3smAr Lnmmmnt er mesa m dm% Any beside so Lmdw al ad be give; by deliveries It or by mailing it by fcvt cirss mss? to Landers addmw amend hmdn sabw Leader has dw4nMd aattiw atldmw by madw m Borrower. Any marlin is--A,- whit ids 9aaaiq bnmemmt "robe I I m bore been given m I-A- abtil tmssdy racelved by trader. If Wy a31dee w0fad by 96 We* Ttalruaeot it 4w rOghmcd u nO Law, dw Appiloft Caw raimb r mt vAll a tidy dw tegakmaqurtlderddaSapmdsy?. ]b. Lmw; Seveeabsir, Rake d Ccmmmdkm, %Ub SwWty k *wAot Mbdl bt gem , by foduM law and die bw of dw jarbdk*m br which dm Pgmty is beakd AD O#x mad ebbpdm contamed In this Sacwq hwinsamt can soNm no my ngabemsW ad dmkssiom a( App1<crble Law. Applle" Law W& mptldl4y m kaplift allow dte Pwa 0 agme by emmct or it might be lanais but meh dience shall not be enmmted m a pmthl6klea Ggrkss mgreemmr by Comm In tutor ama to my provldm or clam of Wb Saadiy ybakwmo at the Noce waffica vddr Applicable Lew. sacb carMict shod bat affect other prorkloms of fhb Swm* lesVampe or dw Now which can be peen eCem wai at due e mftdng pmvklon. As mod In ids Se-ft Inowsa mn W words of der mma lm gender Mall mm and mclade plural and v vesa' and a°? (b) monk in dm dbgmbr sap nm end bcl p (c) the ward •m W plvea sole &acLkm wow any ebligadw to take any 17 Banawer'a Copt. Borrower Od be given oameopy of to N46e and of We seaaity TnaaammL IS. Tgasster of lea PtopeMty a G 8endhld Wared km BoRmmtr. As need in this Smmdos l& 'Imxeam in the ftPerty' mean Goy legal a bcmcGcW bmdeat b tht Prepnq. Indo ft but ant Omkcd to, theme bmafkW banner mmdamd in ¦ bond for dead, mtmamm far deed. bsWlmmr Wen waaact or txrow agrem+ant, the iatrmt of which Is the ttmderof 610 by awrowv a a Aran dam m it pwchw. V all or my part of the Piopao or any Ubmat is the Propmty lr add or mad (or ft Borrows is rota mmrd peram era( a bmcfadd ?mrat is Borrow" b add or traWated) wldiM Leader's prior wrinex wa mt. Lando, may mquha Imftnimo pny aau in fa at an nmm saved by thk %mum m ft-. ids apdoa *0 not ba a moW d by Lander if uch smciw is p d&iwd by Law. If Leader ra-%% thin gXkm. Corder aW8 give Bmrowor mauler of codermaam. 7La soda mall provide a period of na Wt than 30 daym Boa the drat: Ibc aotfa is given in attaadtatcc wish Section 15 within whidh B*mvww tmau ay aV 03110 mad by ids Security lesbtmcm it Borrower falls m pay dm mm W" to the OVrW- of thin paled. Lade nay mvale bey mzwd panned by " sea" Tnwammt without fwdw sodce or dammd an Bagawer. 19. Iheaamer's Right to A0100tt After Aexier7l W U Hammer mema megin wndtiana. Boneavr"have der dgbt In bare adman ok or dub Samity MMUenew dkWf W at m9' dm prior to die mrllea of W live rya bd m sale of the Pmprry pbvnrott In sty paw" of We t a ilaed In dda Seewity b mmmehm (b) such ember paled so Applic" IA- might spodly tv *a telkAft err Borsoeeer9 highs a :dmrwe: Q (c) may etf a Jetdgaemt estfareag d» Str;mity Lwabmm>.llrbae caadmota me th,a Boerowea (a) pqa Leader All situ wbkb Mm waold be do dada tbb SwWky btatrommt and the Not m If W SWOMdo31 had occAr4 (b) wad my ddmh of soy udw wvenmu w agmmwgr (c) a;rs ru 0001649967 ?AP'Al !meat P.y. eaafla MaWaC7I'1'? Harm aeMO 7/.e 6K t 872PG3209 meyaix, htadccd lo ear By oarmt ?a odta J lauumd me tide aucpooe of papa{ L a?da a rem. progeny b der; Pmpaty wed ciao alder dub 9oordty G aa4 (d) ata pscb atxian a f,eltder tiny rralooably esquha W atldm dim lsoder'a t3fateR 4 the Ptopaty and dgboe modal fhb San?4' loca.manL and Ba/owes'e obligodpm Ia 1wY die saro ?msod b0' ehb Sstarrty thaH Cadpttoe > I.wda may mgt dust Bmatrer P4' sete6 ndwtafettwtaaell 11110 m sae a mere of dw [allowbg fmm. a sebned by Linder. (m) mtr (b) anmey ado . (? aaQ6ed etpek. blot ehedt, tretwrof't a4eclc a wdda'a chock, prtuvMod amy Boca ahxt b eintvm Una. an whale depotin e>a insmod by a fadmal almh. cr mum: o• (d) Ble wwr Pamdb llmastat. upon cedoeore>eate by BaaOav. dais Sww* tpw=mt ad abhpdaq soaasd haft 90 rwdm fury offouho as p no owdoerdon had oet med. However, ft right b m moms than M apply is dm lane of mmkm io alder Sadon IL 70, Sailor Nate; Chu p of L.oao Seevkt; Naim or GvIe.MCe.'rbe Nora a a pwW lotorm M the Nda (logaher wilb dda Sam* hsmmmam) cm be sold ma a mein doves wimaaprlor oodm n Boeeowc. A ante mlgbt maUtt be a dna`e is dm cadp paowa a tla'LM SaIADe) thin f CUM Paiodb Pspmwtcl do under dw Note and ddb Sxmity tam moeet sad 1-0- m otlwr =MW km umidag oNl *ft under Abe Nos, 06 Swa tr I1wba AM and Appfkabfa Law. Thin ab0 ad* be ooa or tape dwegem of the Lmn Sm*w aasbtad to a aN at tae Notes It *m Is m chow of the Loan Sa*w, Harowu va be gWm wrimn nada of the d op waft wgl paw *A mom and add= of the new Imm Sevkw, the addrm ID wWb paymm* sholdd b0 made and may aber bk mad011 RBSPA n gaha hi cm wwm whh a acute or ttaadbr 0[swiclog u eta Nom b Fold sad tbtsea0a dm Loan b savlnd by a Imes Swvi= Phu dap the pmdwter of Cho Nom. do mm%W km suvWft Obgglldam to Bwlosv wig sermin wilt deb Lou Seavicer of be naodmnd n a =maw Lowe Savaxr and w not mmned by due Nate purebred' Wale otheawiwpm.idodbytoeNemptadm w Nomw Ba um nor Lmda MY comomm joh, or be loinod to any N" MOM (a1 emu an iedlvWtud Udvntcc Ow masbw of a ohm) dtawbm firm the other pmq's scums pannpet m this Scanty lmblm a or that dtega do do adwr perry ba111nebed any p*vW= of, at say dwy cited by mom at tth Security laframaa. wS Poch Bamwer a L=dw bas Podfmd die aher pm0' (wkb pmt nptbe Swat im mmob= with dee - INesrttoatg of secdom 13) of Och aYeged blrieh fed IMDA d des: cow pony herds a mumobil period &%a dw gh* of simb sadm p Wa e¢a- i i , don. If App able Law pxMdes it dine period wbM sport d na bct=caadm action m be comm. 69 dine period wM be domwd o be searooabb far purposes of dds parogmpa.7hs modal of wedont" sad ap wmky to fern glum lo Rwrowvpu u= to Soedon 22 mat th0 aodoa at aoaluadon givm to Bamwer puswtaa to Swdae 13 that be deemed W mtWy dm aalee and appnftl* 10 fate erler z&a MOM pso.lsiom of W Se cdca 20. 11. Hasa.dom Sabptmces, As mod in dtis 9oedm 21: (a) 'Hmmdom Subg==' era: tatme sabatanKa detbwd w Wok or brudme &*mnmes. p g ma. cor wsam by Bnvkmmmwl Law and the following subugme Wodme, kerobena, other flwmmft a tamie poboloam pmduM kkxlc patlcldes sod herbicides, vohdM wlvmtti mostpub woodniag mbOms or ramWd Wde, and eadionme ma wmw.. (b) Tmvuomneoml Law' mmm fedwdkws and Mors of dm joriedia m wbaa cite Psoputy Is ktnmd useable to both, Q* or M-T mmal puma= (o) "Eovimommsf L bmw bsJWN say mwm n calm, es naM adloo. or mmoval adim, es dd WW in Linvirommid law. and (11) as BOvkmmmW Coadidon" meam s modtiau dot can came, ooabibam lok or whawbe tdggar s0 Bnvir mamas G1mW 0001642967 vnn.s 4ftd(Pal lmmq r.l. Uoi is Fs.m soap 1101 ,91872PU U we+?w ate, tliryctu, or twos of any Haaadmo BWMwer thdl erne rase or permit the P a Subamoba Owma t w "date my Hmrdau Snhgroa, m ar m der . Bamwa aW not do. or allure Pea cue doe m der r7t Nat b in vblaba of my Fivkbatamrd a Law. (W watch acda as Eavkattnrd et e) wha>b due b die PataOrCL aR. a tI0r0 of Haatdast SA WA" aatw a oondhioa 20 advatdy droM der TOM Of Eta The preceditg two amtmees Chap as apply b die paste, re, at m Ito PtapaO? ( ? ddaa of Amrdaa Suborners Nat nrpMy V -b b and aedd nft ma ad to wake om of m daprepeaty (NetoeGig,bat wt tlmle d ro. hwdoaa toeproea is macrPiodoc:4 Bwmwa Chap promptly giro I w Mm "sawnof U3 rP bvatl$datb Csim, dmfand. kwm or come action by toy perawr,*W or mpdmy rz Figm pn ft faro Haoudar Subalanoe or Enrkm ncod Law Ba owt bw soy Eavbno nmW CaM6tlm6 htdodiet bal sa yedod tee nay tg24 k*io& 41a *op tcloro or trod of Cleat of my Hatmddm Submam ad (a) any wadift er"d by the pteaaece, W or ftkw of a Ham•dom Stab acme which sdvm* dkem dre valor d die Pro =W. If Bmtowar iearr, or Is noticed by my p-e me nl or M6tor$y, a eby piaae pp??yy du errasy tmq 21 or dam tmedielon d any Hanrdws Sabatrw?dn Pttapav is rasreI Baitiii dAB -Rogay nke aB Wort y mom sauna in axadatce w9h Eueiroomwnl Law. NAM batab shag am any obllpdm on wader for an FavitMMft al CkamtP. NON•UNEMRM COVENANTS. Brouwer ad Lades [noun aovraet sod apps a *Wwe 22. Aadatedoai itemedim Louder shag See ttadm to U nom p1w to aecdeaadt s taftwiag Barmwda breach of amp aoaarua Or > ?M 1W to or,.motloa order a the I R kLee Pwldea soft OMM"ar ol amts abet thhrp qx ( (a) the ddatih) ) dr MW+rab9<°thkmtlt m Pea aldhohi (c) who pre ddhok must be trod; asd (d) Cleat lama sa case the ddRX r eodftd any Mesh ht sacdrwas of the was seamed by This Socvh: Baarwx=4 f, a A by 1d ptrteedloR usd rk of an Pwpaq. Leader shoe hwdiataforat d the rkht to ti)sstata IINn acadatitba tad the *ltht m avert Is the tbreamn procaeft the ®dtkaee of a delaak of my cult dtlmle of Borrow to secdaslion and toredomm It the ddb* s ast erred r Louder as to opdm ay "quire Inca" Ra PIWM=i is to of as sum "Prod ?hyy Wb Socorky '<otkmnd wMgoat reaff demand oed may kreebae the 9aralty laantmot by ill P tt t.Ww"be cnftd to alka as apaai" htauted b panom! the provided In "Bade A badedbg, but not gakcd to, sttaeaeya' hm emd ade of Mb evidra to dk Mod psraW by App&sbk Lee. 23. Releae. Upca ?y of as tuna xxtacd by dam Saxoty lum ma& this Secants Iatusmerd ad the case maveyed dull -I--- sod boo3we void. Aft verb aaCUrdtoo.letdr sw acbage and a wy gds Swaft hrraremL Borrower fto pq errp recadadaa mat. Ladre may dsvp Bannwrr a foe tW ?a?a mcwky lotupaPt, lF,n" a1y tt doe la it paid ro a third patY for suviea radetsd ad tlra datRSa oCdw to s Ferman wba wPPwaoMLw. ]d wasvas. Bacowa, to du aslmt paauApd by AR*cxbk Law. wsiva ad tokae" my error or ddaa b ptoceadbgt b aftm dds Sem lemmimt. ed aaehy wahu the bme@ of try ,meat or km Ism p Ufa nay of aearaan. atandm of dac, wtomprbn from acwhmmt.levy and wle, and 2L Rsbstafta at Paled. Bonowa's Om to coh aste pvWded in Srtdaa 19 shall amend w ore how prior to ehe WmumccWt or biddiaRat a tbWZI ask m gem m1o paaunt to the SKUft iaxwrac . 26. Pardee Mort' M"tpan H r of the debt teaPad by 04 Smaity uwnrsmi is lam to Barc Ter Rate After JudgumsL Domma spaa do dam em" mangsgo. oafter a Mgmeat It atlead on the Now or s on actloa of mp w4p fwgiosme dap be dic into pryvbk from doe to der waft M MIL cools 1961 enwa• (Ie(PA)lamu rawly an er tarmaoas 1117 S K I 872PG3211 BY SiGNR1O BELOW, BO- -cq= -d apnea to the mtm? and oovm ua wed is dlia Security Ushi mem and is =y Rick amstad by Ba+owereed+errn W with k Witr4= Lauj.i Mf -(Sao _0s - (Seep (sa) •aano..r ? - (W (S-0 4kw wtr •Damwer - (Staff) (Sa9 .Bw wtr -awm of fQ0184f867 fteirA)t ) P.n lea i? Fenn 30ae IM 1872PG32I cownte orResideane I, C,?AJS )A.,t, d do hsolry cet* Hat dwatrtutteddtesedlhewlddo•namodMottQageea 18400 VW EANNAN, SUITE 1000 INVINS. CA 9261! Who= my band dtie d day of TvNtr .?ao ANtn W Mortlgs? cQKMoNWEALTuOF 7 t?F'xt?ItiYLYANIA, (-?"lwlo"k c?qw Oa tbtis, Gas `ky of ?/l`? J' /J???? 'r ?? de W*UWW m k wvm to me car Mdsfamily PUM) to be the pie(s) w.hM mesa(s) Woe seASe tee lo bite w" by mamt wd w&towbe W Hat hdeh0J y e cMW ow ssma for the p dpesw ham ooamhwd. IN VATtMS WMtElOF. I hacaato a my had and bay Cae+ei,llon SxPu<s 1-5 1 elRwat)wwa?blsrlw ' 4Ll MIY1 ><py TmedOffimr 0001849867 ws 4VIVA)taeaet PM01oA10 Penn aeee L01 BKI872PG3213 ALL THOSE TWO CERTAIN loth of land sitwto in the Borough of New Cunkcriand, County of Cumberland, Pansylvania, bounded and dowdbed as follows, to wit: TRACT NO. 2 BEGINNIIYGat a point on Seventh Street, which point du forty (40) fxt distant from the coma of Seventh Street and a public alley; thmoo in as outwardly dkiction and aloe the line of said Seventh Street forty (40) feet to it point, the tfn*ft lino between Lots Nos. 229 and 229; theme north along Wil "ding One bawan Lots Nos. 229 and 229 tad on a One at tight aogla with St venth Street oile inmdrad five (IM tbet to a tea (10) feet wido sUey; theme west along the be of said alley fiirV(40) rest to a point on the dividing Boo betaken Lou Nos. 227 and 229; thence south along sand dividng be one hundred five (105) foot to Seventh Strcet, the place of BEGINNING. BEING Lot Nb. 229 on the flan ofElkwood, add Plat being recorded in the Cumberland County Recorder's OM" in Vocd Book "W', Vol. 5, Page 498. TRACT N0.2 , BEGINNING al a point on the northern tine of Seventh Street at the mtom be of a ten (10) foot alley, being the first alley east ofMarket Shvet; thence in a aortheriy dhroetioaoloag the eastern fine of said Zdd one hundred five (105) foe to a paint on the mutbera ion of a uecond aAey; thtatce in an eaaforly direction along add last xmOoaed alley forty (40) feral to Lot No. 228 on the Plan ofLots heiminafter meadeood; thence in asouthady &rwdon along the wtat<m Bee of said Lot No. 239 oat: hundred live (105) fed to Seventh 41treet; thence ha a warterly direction along the northern lit> of Seventh Street forty (40) feet to the point or palace ofBEt 04MG- 8MG Lot No, 221 on the plan orLots ofElknrood afaremtmtionod. HAVING tier n erocted is two and one-haif(2112) tofy frame dwoBitig, No. M Seventh Strcr4 New Cumberlaf , Pa. BEING THE SAME PREMISES which Edmund A. Haley, Jr., Executor of the Estate of Mary R. Haley, Giontor h=ip, by Doed of oven date, produced herewith and intending to be recorded, granted and eonvcyed unto Lana J. MOM a single woman, Grantee heroin, her heirs and amigos. UNDER AND S CT, NEvEFLTHHLES5, to easements, ren trictions. ro matitme, contlitions and fights f way of record. X I672PG32'f4 JRN-ll-2008(FR1) 12:40 Patricia Black Abstracting (FAX)717 331 de48 N.UC3IUC-1 tnr+Muner 0201249887 PREPAYb NT RIDER FT.Q RATE LOAN Tbk Prepayment Aida 4 cafe mis 24th day oti was - 2004 Ada (nootporatmd Imo and shall be dmmrd to mend aid mmPO=Ku the Pttmmsry Note (die -Now-) ad Mor4ftc, Deed of Twat or SK%Sty Deed (ft •Smtavky Inm==d*) of the sgome 490 girem by ft uodeslgeed (tht •Betrmwer') lo feemre tepaymmt of Bomwer's Matt to NEW CENTURY MORTIARN CORPORATION (the'I.mkt') To dw c= do dw pmvlsidm of this Fmpaymect X&Tare ieoonsAm wkb tae PMVWom of dm Now sadlor SeCnrlty Ineeamrm6 tba pmvhioas of tMs Rider slWt prevalt over and eht0 supersede any Sm* Incomisterc providom of too Nose sailor Scm*r' Imuemam. In addition to the mren = ad mew made in the Now And Saavity Gtmtrrmt6nt, &e Bortowcr and I ,Ada reotlrrt Covenant and agroe p fouon: 4. BORROWER AWAT TOPABPAY I here t% r12ht to meta pmysawa of prlmdpd aq 11- bite-"are dam. A prepeyesw of prlodpd omb to Immwm e m "pnpgdaL". Who I make a p.rpgtcat, I will kO ft Nolm Holder to waiting I a 416118 m. 7110 140%11011hr WE sr a0 of My pnpsyarmh to :ad ea the mdand of pdndpal flat I ewe nailer dtY Nate. 1f I malts • pae1W peepayrrd, tbea wM bo w Clem" In the dw dam of my sadYy pgomm ads the Note Helier agree Is writing to those dpagm. If wwo 3 Tan tan do daim of esnwtima of the geatMy Ire4enemt, t wrke a ft prepsymad or, to aAmla arts a per" prgmy=w4 Amd Or IoW of crier prepmymed(m) In may 124oomth period aameam TWEMrT PEACXNT (104x1 of Ow m O W pAzdpol emmemt or"ions. B WM pay a papsymmo deep M m mooed ap* to dz (f) momtm adnoce 4ikast on tba moment by wdcb gem teal of my papalmeNO) whide 00 I].m entb period csemdm TMM MCENT (304x) of the ortdad ptlydpal ammmt at me ran. BY SmNINC 13t 4W. Borrower meerpts NO Allots m the tame old nova mma tomtWad in ibis PMPAytcent Rida. A RAJ UQK nCM PRp y m at Rita rsmW ants mmh PA R&tlr tatmntl 1 Certify this to be reeordud In Cumberhind County PA .;.... \' " Re nrrc'r ttf ue 'LIS 4 4:8 7 2-PG 3 2 19 # NOTE June 28, 2004 NOWC GERLANO PENNSYLVANIA IDate) [city] (State) . Ord 123 7TH AVENUE CU 16ERLAND_, PENNSYLVANIA 17070 !Property Address) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ $5,000-00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is NEW CENTURY MORTGAGE CORPORATION I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.4000#,. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the list day of each month beginning on August 1, 2004 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled.due date and will be applied to interest before Principal. If, on Ju I y 1 , 2034 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date.' I will make my monthly payments at 18400 VON KARMAN, SUITE 1000 IRVINE, CA 92612 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 588.63. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "Full Prepayment." A prepayment of only part of the unpaid principal is known as a "Partial Prepayment." Except as provided below, I may make a Full or Partial Prepayment at any time. If Intake a Partial Prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other Partial Prepayment, I must still make each later payment as it becomes due and in the same amount I may make a Fun Prepayment at any time. However, if within the first sixty (60) months after the execution of this mortgage, I make any prepayment(s) within any 12-month period the total amount of which exceeds Twenty percent ( 20 %) of the original Principal amount of this loan, I will pay a the payment of S i x prepayment charge in an amount equal to (6 ) months' advance interest on the amount by which the total of my prepayment(s) within that 12-month period exceeds Twenty percent( 20 %) of the original Principal amount of the loan. PENNSYLVANIA FIXED HATE NOTE -Single Family -With Prepayment Penalty 0001649967 4/03 Pane 1 or 8 ®®1MMA) (o304) VMP MORTGAGE FORMS - (800)621.7291 Initklt/`? 1 r / NEE amend is at oerti4 ?trre on the 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is fatally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the peimiued limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a Partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the fall amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 I overdue payment of principal and interest, I will 90 of my (B) Default pay this late charge promptly but only once on each late payment If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. j (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me. that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. i (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses paid If the byo c fort all hafsireeq and to pay immediately in full as described above, the Note Holder will have the right to be back costs expenses expenses include, for example, reasonable fees. ationicys' orcing this Note to the extent not prohibital by applicable law. Ittose 7. GIVING OF NOTICES Unless applicable law requires a different method. any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me ;.the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. g. OBLIGATIONS OF PERSONS UNDER THIS NOTE Note If including than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do time things. Any person who takes over these ob' endorser of this N gations the ot er a guarantor, ore. is also obligated to keep all of the promises made in this Note, The•Nota Holder may y enforce its rights under s rights or this the amontagg inw t each pers is Nate?ually or against all of us together. This means that any one of us may be required to pay all of 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. APPLICABLE LAW This Note shall be governed by the laws of the State of Pennsylvania If a law, which applies to this loan and sets maximum loan charges is finally interpreted so; that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such interest or otter charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (b) any sums already collected from me which exceed permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal direct payment to me. If a refund reduces Principal. the reduction will be treated asa PartiaI by l Prepayment, under this Note or a making a prepayment charge be assessed if the Note Holder chooses to reduce my Principal , but no event will a Y c?pa1 balance by applying such excess amounts. 0001649967 ( -tiO5N(PA) to3wt g m Papa2o17 1.1114F 0 • 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the 'Security Instrument'). dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Notc. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WTINESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. ) LAURA J. ON ,h (SW) Borrower -Borrower -%. -j (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Sign Original Only) 0001649967 OV 05N(PA) pxm) ® Peq• 3 of 3 4103 L- Number: - 0001649967 PREPAYMENT RIDER FIXED RATE LOAN This Pripaymeru Rider is made this 28th day ofJune 2004 aud is incorporated into and shall be deemed to amend aid supplement the Promissory Note (the "Note") and Mortgage, Deed of Trust or Security Deed'(the "Security Instrument") of the same date g'ven by the undersigned (the "Borrower") to secure repayment of Borrower's Note to NEW CENTURY MORTGAGE CORPORATION (tlx . Lender To the extent that the provisions of this Prepayment Rider are inconsistent wityr the provisions of the Note and/or Secutty Instrument, the provisions of this Rider shaft prevail over and shall supersede any such inconsistent provisions of the Note and/or Security Instrument. i In-addition to the covenants and agreements made in the Note and Security Instrument, the Borrower and Lender furtber covenant and agree as follows: 4. BORROWER RIGHT TOE PREPAY I have the right to make payments of principal any done before tbey are due. A prepayment of principal only is known as a "prepayment". When I make a prepayment, I will tell the Note Holder In wridnj I sun doing so. The Note Holder will we all of my prepay rneuts to reduce the amount of principal that I owe under t6b Note. If I make a partial prepayment, there will be no changes in the due dates of my moutbiy payments mess the Note Holder agrees in writing to those changes. If within 3 years iron the date of execution of the Securt y Instrument, I make a full prepayment oi, In certain cases a partial prepayment, and the total of such prepayment(s) in any 12-month period exceeds TWENTY PERCENT (20) of the original principal amount of this loan; I will pay a prepayment charge in an amour equal to six (6) months advance interest on the amount by which the total of my prepayment(s) within that 12-month period exceeds TWENTY PERCENT (2091 loan. BY SIGNING BELOW, Borrower accepts and agrees to the terms and cov ts contained in this Prepayment Rider. AURA J UAN NCMC Prepayment Rider Fixed Rate F"- PA RE413 (010204) :............... OCWEN Loan Servicing, LI 12650 Ingenuity Drive 0 O C W E N 07*1071do, Florida 32826 December 03, 2007 WWW.OCWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515118948427 Reference Code: 0710 Laura J. Hughes 123 7th Avenue New Cuaberland, PA 17070-0000 Loan Number: 33667445 Property Address: 123 7th Avenue, New Cuaberland, PA 17070-0000 SEE THE Eli DD C *? ?? ii G h, b? This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT91.11 ........................ . OCWEN Loan Servicing, L.r 12650 Ingenuity Drive O .._ C ._ w ..... E . N Orlando, Florida 32826 December 03, 2007 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE WWW.OCWEN.COM This is an official notice that the mortgage on our home is in default and the lender intends to foreclose. Specific information about the nature of the default is .provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM EMAP may be able to hel to save our home. This Notice explains how the Program works To see if HEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency. The name address and hone number of Consumer Credit Counseling Agencies serving our Count are listed at the end of this Notice. If you have an uestions you may call the Pennsylvania Housing Finance Agency toll free at 1-800- 342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have an uestions re resentatives at the Consumer Credit Counseling Agency may be able to help explain it You may also want to contact an attorney in your area The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: Laura J. Hughes 123 7th Avenue New Cuaberland, PA 17070-0000 LOAN ACCT. NO.: 33667445 ORIGINAL LENDER: NEW CENTURY MORTGAGE CORPORATION CURRENT LENDER/SERVICER: OCWEN This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT91.11 • OCWEN Loan Servicing, LI " w ?'^ 12650 IngenuitJ Drive Orlando, Florida 32826 O C W E N WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE,: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act you are entitled to a temporary stay of foreclosure on our mort ga a for thirty 30 days from the date of this Notice. During that time you must arran a and attend a "face- to-face" meetin with one of the consumer credit counselin a encies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of desi nated consumer credit counselin a encies for the count in which the property is located are set forth at the end A this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCIVEN Loan Servicing, LI.' . ? 12650 Ingenuity Drive 0 O C W E N Orlando, Florida 32826 WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 123 7th Avenue, New Cuaberland, PA 17070-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 911.50 from October 01, 2007 through December 03, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 1,177.06 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 757.44 Late Charges ........................................... $ 357.51 Insufficient Funds Charges ............... ............ $ 0.00 Fees / Expenses ....................................... Suspense Balance (CREDIT) $ 5.21 ........................ $ 175.50 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 2,121.72 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,121.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram Cashier's Check. Certified Check or Money Order made payable and sent to OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale asspecified in writing b the lender and b y_pkrforming an other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91. r r This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OC 41EN Loan Servicing, LI' iy 12650 Ingenuity Drive :Orlando, Florida 32826 WWW.OCWEN.COM O C W E N EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 334164737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN "THREE (3) TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsification to authorities. SHAPIRO & KR F.ISMAN, LLC BY: Ilana o , Esquire Attorne r Plaintiff -Zw Dated: d 1 la I LA O TI T'e 00 00 CO SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-01030 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND US BANK NA VS HUGHES LAURA J R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , OCCUPANT 123 7TH AVENUE NEW CUMBERLAND, PA 17070 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: Docketing Service Affidavit Surcharge 3/63/0 P ( ,- So answers -?? 6.00 .00 5.00 R. Thomas Kline 10.00 Sheriff of Cumberland County .00 2-1.00 SHAPIRO & KREISMAN 02/22/2008 Sworn and Subscribed to before me this day of A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2008-01030 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND US BANK NA VS HUGHES LAURA J GERLAD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon HUGHES LAURA J the DEFENDANT , at 1250:00 HOURS, on the 21st day of February , 2008 at 123 7TH AVENUE NEW CUMBERLAND, PA 17070 by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 16.32 Affidavit .00 Surcharge 10.00 .00 4 4 . 3 2 Sworn and Subscibed to before me this of So Answers: R. Thomas Kline 02/22/2008 SHAPIRO & KREISMAN By: day Deputy S iff A.D. U.S. Bank, N.A., IN THE COURT OF COMMON PLEAS Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION - LAW Laura J. Hughes, NO. 08-1030 Defendant ANSWER 1. a. Admitted. b. Admitted. c. Admitted. d. Denied. Defendant has not proof. 2. Neither admitted or denied. Defendant has no proof. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Denied. Defendant has attempted to make payment and payments arrangements. Defendant still desires to cure said default and arrange for automatic withdraws from her Commerce Bank Checking Account. In further answer, Defendant attempted to pay on February 5, 2008 the amount of $3,000.00. Said payment was return from Ocwen on or about February 15, 2008. A copy of said printout is attached hereto as Exhibit "A". 8. Denied. Defendant has no proof or calculations of said amounts. 9. Denied. Defendant has no proof or calculations of said amounts. 10. Neither admitted nor denied. Defendant has no proof. 11. Admitted in part. Denied in part. Wherefore, Defendant respectfully requests to cure said default and to arrange for a bimonthly withdrawal of $400.00 directly from her Commerce Bank Checking Account. Respectfully submitted, Dated: March 20, 2008 Laura J. I? es 1237 th St et New Cumberland, PA 17070 (717) 350-0811 Commerce Online Page 1 of 1 Send a Message I Logoff SerAce Service Center Send a Message Read Messages Change Access ID Change PIN Change lcons Privacy & Security ? ?4fl?il3i;l? ?.uErc?nPEiR t°? ate Message Details Date 02115/2008 10:45:56 AM Sender System Subject Retumed Payment #73176110: Ocwen Loan Servicing, LLC Message This payment has been returned and has not been processed. For assistance, please contact customer service at 1 800 493-7562. Message # 36 Payee Name: Ocwen Loan Servicing, LLC Payment Amount: $3000.00 Payment Date: Feb 5 2008 Print Cancel 1-888-751-9000 Live Customer Service 2417 1-800-YES-2000 Telephone Banking Service Copyright m 2003-2008 Commerce Sank Exhibit V' https://www.commerceonlinebanking.com/csc/svcs, msg_ detail.asp 2/25/2008 U.S. Bank, N.A., IN THE COURT OF COMMON PLEAS Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION -LAW Laura J. Hughes, : NO. 08-1030 Defendant CERTIFICATE OF SERVICE I, Laura J. Hughes, do hereby certify that on this date, I served a copy of the foregoing ANSWER, in the above-captioned matter upon the following individual by first class mail, postage prepaid, addressed as follows: Christopher A. Denardo, Esquire Shapiro & Kreisman, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 DATED: March 20, 2008 r .??if . ?'l? ?. ?- ?J • X ???" Lam/ Laura J. Hug", 123 7"' Street `-J New Cumberland, PA 17070 (717) 350-0811 n ? t7 C? ? -n ? ?` P;"f?' ? ? ' - .?T' f 4l ?? t;'`. N .. iJ ?;.. .? ? i C?J ' _ _i F Y? _ s°t= ?? rn ? ... SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 1675 Palm Beach Blvd. West Palm Beach, FL 33401 PLAINTIFF VS. Laura J. Hughes DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1030 CIVIL TERM PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & KREISMAN BY: av liana Zion, Esq r Attorneys for P ntiff U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 v. Laura J. Hughes VERIFICATION The undersigned is Foreclosure Facilitator of Ocwen Loan Servicing, LLC on behalf of U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, ome Equity Loan Trust 2004-HE6, Asseack C Date: l Name: Arena V. Ji Title: Foreclosure Company: Ocwer -Reyes tator Servicing, LLC Loan: 33667445 08-032069 co SHAPIRO & DENARDO, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1030 CIVIL TERM V. Laura J. Hughes Defendant. MOTION OF PLAINTIFF, U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF ASSET BACKED SECURITIES CORPORATION, HOME EQUITY LOAN TRUST 2004-HE6, ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-HE6 FOR SUMMARY JUDGMENT Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 (hereinafter referred to as "Plaintiff'), by and through its attorneys, Shapiro & DeNardo, LLC, pursuant to Pa. R.C.P. No. 1035.1 et seg., hereby moves this Court for Summary Judgment in its favor and against Defendant Laura J. Hughes (hereinafter referred to as "Defendant"). In support of this Motion, Plaintiff avers the following: On or about June 28, 2004, Defendant borrowed the principal sum of $85,000.00 from New Century Mortgage Corporation, and as evidence thereof executed and delivered to New Century Mortgage Corporation their promissory note in the amount of $85,000.00 on the same date (the "Promissory Note"). A true and correct copy of the Promissory Note is attached hereto, incorporated herein by reference and marked as Plaintiff s Exhibit "A." 2. In order to secure their obligations under the Promissory Note, Defendant also executed a purchase money mortgage on the same date (the "Mortgage") in the amount of $85,000.00, describing and encumbering certain real property located at 123 7th Avenue, New Cumberland, PA 17070 (the "Mortgaged Premises"). The Mortgage was duly recorded in the Office of the Recorder of Deed of Cumberland County on July 6, 2004 at Book 1872, Page 3198, et seq. A true and correct copy of the Mortgage is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "B." 3. New Century Mortgage Corporation subsequently assigned the Promissory Note and Mortgage to U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6, by written assignment, dated April 2, 2007, which assignment was duly recorded in the Office of the Recorded of Deeds in Cumberland County on April 9, 2008 in Book As Instrument Number 200811113 (the "Assignment"). A true and correct copy of the Assignment is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "C." 4. Defendant subsequently defaulted under the Note and Mortgage (collectively referred to as the "Loan Documents") by failing to make the required monthly payment of principal, interest and other collectible charges under the Loan Documents, which payment was due on October 1, 2007, and all payments since then. 5. On or about February 14, 2008, Plaintiff instituted an action in mortgage foreclosure against Defendant purstiant to Pa. R.C.P. No. 1141 et seq. (the "Foreclosure Action"). Plaintiff commenced the Foreclosure Action with respect to the Mortgaged Premises, as a result of Defendant's failure to make the payments of principal and interest, together with other charges as authorized by the Loan Documents when due. A true and correct copy of the Complaint is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "D." 6. On or about March 24, 2008, Defendant filed an Answer (the "Answer") to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "E." 7. In the Answer, Defendant admits the parties to the Mortgage, the legal description of the Mortgaged Premises and Defendant is the real owner and mortgagor of the Mortgaged Premises. 8. Furthermore, Defendant admits that the Mortgage is in default by admitting that she attempted to tender funds to cure the default. 9. Defendant's primary defense to the foreclosure action is that Plaintiff refused to accept funds she tendered in an attempt to cure the default. 10. However, such funds are short of the amount actually owed to Plaintiff and were returned as they would not have cured the default. 11. Defendant's Answer fails specifically to raise a genuine or triable issue as to any material fact which would preclude entry of the Summary Judgment in Plaintiffs favor. 12. Pursuant to the terms of the Loan Documents, upon Defendant's failure to make the payments, as set forth hereinabove, all of the sums due in accordance with the Loan Documents are, upon demand, immediately due and collectible. 13. Attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "F" is Plaintiffs Affidavit of Anna V. Jimenez in support of this Motion for Summary Judgment, and attached thereto is the current and updated loan history, which together establish that the Mortgage continues to be in default, and that as of April 30, 2008, the following amounts are due and owing to Plaintiff under the Mortgage: Principal of Mortgage Debt Due and Unpaid interest at 7.4% per annum from September 1, 2007 to April 30, 2008 ($16.68 per diem) Late Charges Escrow Deficit Property Inspection Fee Title Report Fee Property Valuation Fee Certified Mail Cost Satisfaction Cost Suspense Credit Attorney's Fees and costs TOTAL $82,253.37 $4,043.62 $386.94 $806.54 $10.50 $300.00 $111.00 $10.42 $39.00 ($175.50) $4,112.67 $91,898.56 14. The pleadings, exhibits thereto, together with Plaintiffs Affidavit of Amount Due and Loan History, clearly demonstrate that there is no genuine issue as to any material fact, and that Plaintiff is entitled to summary judgment as a matter of law. Further, disposition of the motion will not delay trial in this matter. WHEREFORE, Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 respectfully prays that this Honorable Court enter judgment of Mortgage Foreclosure in rem in its favor and against Defendant, Laura J. Hughes, in the amount of $91,898.56, authorizing sale of the mortgaged property, together with additional expenses and interest through the date of judgment and thereafter as provided by the Mortgage and applicable law, plus reasonable attorneys' fees actually incurred, and costs. A proposed order to such effect is filed herewith. Respectfully submitted, BY Dated: 08 08-032069 & DENARDO, LLC Attorney for Plaintiff/Movant Attorney I.D. No. 93337 ? ? NOTE Ak--A( June 28, 2004 NWF7WCU?9ERLAND PENNSYLVANIA (Date) (ckyl [State) 123 7TH AVENUE CU ERLAND, PENNSYLVANIA 17070 lFropeny Addmal 1. BORROWER'S PROMISE TO PAY In return for a ban that I have received, I promise to pay U.S. $ $5,000.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is NEV CENTURY NORTRAQE CORPORATION I will make all payments under this Note in the form of cash, check or money order. t I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 7.4000%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(8) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on August 1, 2004 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe tinder this Note. Each monthly payment will be applied as of its wheduled.due daft and will be applied to interest before Principal. If, on Ju I y 1 , 2034 , I still owe amounts under this Note, I will pay dim amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 18400 VON KARNAN, SUITE 1000 IRVINE, CA 92612 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 588.53. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "Full Prepayment" A prepayment of only part of the unpaid principal is known as a "Partial Prepayment." Except as provided below, I may make a Full or Partial Prepayment at any (me. If I make a partial Prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other Partial Prepayment, I must still make each later payment as it becomes due and in the same amotmL I may make a Full Prepayment at any time. However, if within the first sixty (60) months after the execution of this mortgage, I make any prepayment(s) within any 12-month period the total amount of which exceeds Twenty percent ( 20 %) of the original Principal amount of this loan, I will pay a prepayment charge in an amount equal to the payment of S I x (5 ) mandt , advance inOrrest on the amount by which the octal of my prepayment(s) within that 12-month period exceeds Twenty percent( 20 %) of the original Principal amount of the loan. 0001649967 PENNSYLVANIA FIXED RATE NOTE - Single Family - With Prepayment Penalty 4103 P.y. 1 of 9 lat 105N(PA)(oso4{ VMPMORTOAQEP RMS-(e90)e21.7291 IMaa1K This Is a eer[ihied rue I anal the I ' Exhib?fA" S. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this ban exceed the permitted limits, thee: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a Partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has no received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a oertaw date, the Note Holder may require me to pay. immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later trme. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any nice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that most be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note. each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or urdoser of this Note is also obligated to do these things. Any person who takes over time obligations, including On obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Now. The-Note Holler may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under fhis Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. APPLICABLE LAW This Note shall be governed by the laws of the State of Pennsylvania If a law, which applies to this ban and sets maximum loan charges is finally interpreted an, that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (b) any sums already collected from me which exceed permitted limits will be refunded to me. The Note Holder may choose to mate this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a Partial Repayment, but in no event will a prepayment charge be assessed if the Note Holder chooses to reduce my Principal balance by applying such excess amounts. 0001649957 i 3 ?105N(PA) tram) Paaa 2013 Inltla • 1 11. UNIFORM SECURED NOTE Ibis Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note. a Mortgage, Deed of That, Of Security Deed (tile 'Security Instrument), dated the same daft as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Notc. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any pan of the property or any Interest in the property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exerciae is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security InstrumeaL If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any tCmedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. -(Seal) - I (_?" A. d aA LAURA J. OH -Borrower _ (Seel) -Borrower (Seal) (Sew) -Borrower -Borrower (SW) -Borrow" -(Seal) -Borrower (Seal) (Seal) -Borrower -Borrower [Sign Origins! Only] 0001649967 ®m -10SN(PA) (o3o4) Page 9 W 3 4103 Loan Number. - 0001649967 ' PREPAYMENT RIDER FIXED RATE LOAN This Prepayment Rider is made this 28th day.ofJueO 2004 al d is inoorporated into and shall be deamod to amend aid supplement the Promissory Note (tbe "Note) and Mortgage. Deed of Trust or Security Deed,(the "Security Instrument") of the same date gyven by the undersigned (the "Borrower") to secure repayment of Borrower=s Note to `NEV CENTURY NORTOASE CORPORATION ( "Under") To the extent that the provisions of this Prepayment Rider are inconsistent witlit the provisions of the Note and/or Security Instrument, the provisions of this Rider WWI prevail over and shall supersede . any such inconsistent provisions of the Note and/or Security Instrument. I In addition. to the covenants and agreements made in the Note and Security Instrument, the Borrower and Leda further covenant and agree as follows: 4. BORROWER RIGHT TO PREPAY I kave the tight to mike Pa7 is 91 Prindpai say time before tbsy are due. A prepayment of principal ouly b known as a "prepayment"- Wben I nuke I Prepayment. I will we the Note Holder in w ritimi I am doing a. The Note Holder will use aof my prepayments to redeem the amount of pcindpd that I owe nailer this Note. N I make a partial prepay, tbere will be no alaameN IS the due dates Of MY MOMNy payments unkss tine Note Holder agrees in writing to those dmages. If within 3 ynrs from the date of encution of the Sos?y Letrama di I make s fun prepayment oj, a artaio rases a partial prepayment, and the total of such prepayment(s) in any 12-month period c m gds TWENTY PERCENT (209?r) of the original principal amount of 111is loan, I will pay a prepayn . met charge in en amount equal to fix (t) months advance interest on the amount by whteb the total of my prepaymart(s) within that 12-mouth period exceeds TWENTY PERCENT' (20%) of the original primal amount or the loan. [fl BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. AURA J UON i , NCMC prepaymens Rids FWA Rare First- PA RF-415 (0102n) RE-415A d, d2M4 MAP - ZLER %r DEEDS 'i. COUNTY-FA 'Dy JUL 6 PPI 2 10 Adam TO: =U6 y MORTGAGE 167RMATION MEN CENTURY "UnTu0E 00NPWATIOM 18400 YON KAMAN, MITE 1000 lavi", CA 02612 Pswd Nwn6ir 20-24-0611-423 BMW ANN. Tm Lam rw Rwwd48 Owl MORTGAGE TIEFINMONS Wads =cd b muld& soodam of 04 docwncat w detimd W w 8sd adw womb ate dan-d in sadiYm 3.11.13,18,70 and 11. CUUW rWa 1qprft dw amp a( wads used In Ws document p*vWW In $ecdm Id. (A)"SomryImtrwacsd"nswoWsdo==whichIsdasddone 28, 2084 op l o wNh a0 Ridm m this dommi (3) "Bft"wv" b LAURA J. MOINES , A SIMILE ROMAN Rmowa is dw mong% ? oaW this Secudty Iaw =m {G1-Ladee is NEN CENTURY MORTGAGE CORPONATION L,mdo,isa CONPONATION 0001049967 ?ENN6YLrAN111.64WM FamaY•PNnnI, Y",M"d?l"WNUNgOPY wI5111UYC'NT PNna 3088 Vol OLa(PA) t4soti MYM 1???? F.S. 1 M to ` vw YaNipAOC r011W •INw7n• I 191,12P63198' Ex h; btof I 4 At wpWMd wd adsdn0 undo dm tats of OA1.i MMKIA Lmwaaddtassb 14400 VON KARNAN. 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(r) -Spopow in burld of sw? mom sly P" *rAbN W= wk ID thermpm. diet pm ho amaw Bpao•r?a obttpms mdff tl?e xM nad/ d& sawky ho maent ?ghaa aot * TRAMPER OF RIGM IN TIM PROPERTY U6 saawity Imoumam sxmu in Lade: A Cs mpW mods! mrem and amoaoaasn OWN ode m,dWcmkm or *A Nam and (t) the pedammaea saaulty Iaapvnoat aad 0ac Nom Iar dda pucpaae Batosraa dow ha tby MWV996 I7ad ad cmaey a Lmdar the folloving deaCllkd Na fled N the COUNTY I17p dtae..Nb a??MiaYal of OIRIEERLAND P?wAtteeadrelad.+taloo0 SEE LEGAL DESCRIPTION ATTACHED NERETO AID MCI A FART HEREOF. which ewd* has the w= of jm R j 123 7TH AVENUE JORTGCUMGERLAGD N W Ioasl.Fmmytranis 17070 mocu"r rPmperty Admeu'. °•ibW T1)GDTIIFR VISIT aG d. 6aprovwaenra now or bwo6w esectaat am ma VOWW. Od aD m mesa. app=w wwM and Rxmrm aow or hcmtf a a pw't of the pmpaV. AD mpinaaiamb and addhloae"aiao be toeatad by d" &o.* Iaeft.=L All of dW fan lr is used b N thle S-J* hLShrsaseot m 10 ... 0001619867 IMAO Q?eIPAllsasa? r•e.aw» Pam 30" 7101 ?I(l872.4G3200 BORWMR COVENANTS dal Banawer It i mAAj uSsW or to esmm hereby mgm7W add W dte sight o Smipge, pant ad CWvoy dte Paopaly sod mu ibe Paapsq a mmaaabmrd, amp for o wpmbmpm Of otoed Bwowa armwa and wm 0" p mm* dm dGe m dts Prmpmy winm a cW=mddem" tun wevoymmubtatwarfacuL TIM 3wuxm MM UMW mmbim w tatm wvamtl fat w"A an data Dwa tmm atvsmmu With U-IW voWioes by jwWkdat to catadms a aai(arm arpuity iamun,aat tevabt to prop* UNIFOW CWiEMMM. Boaosrv ad t?ttd¢ wtamotawd Apse a ks&&* L Palmed d Nb d^ bftnsL lbtomw Lms, "q wad O VeA . sod l.na CmrpL Bttttvwa dW Pg who dm !a pstadpol A ad inwwt on, V debt orMew9d by tho Nttb ad my p 4M" twd bm darM dab Nodes the Mm Bwmwrr dull An pry leads be Epe it= pamam w ScOm 3. paymteu dote voda the NOW and the soma y bxmmmt Butt be moo IN US. Oxmr-Y• NO"-, if ear dank or velar ittshammt medved by Len& a pgtoet m da dm Nam a this S-mly twoom tt a notated to Leda MVIK Lodes mty tagwm do my at rtt a 6mpmt pgwttottts dot tech dot Nam and Ab Seeytiry:edemas be muds a we at meta of the fWlm ft tW& s mbpAd br Ltr,d? W tatdh (b) MM adds. (e) atdW O c* bast ahodr, tt-ar's duck at taddees block ptwided ANY mch etude it dawn ON as bun Mft One depmU see b*PM br a %dog ogaa y. hemmmgstity. or eadtrt a (d) 8koawk Pmtds Twaaw. Pgmatts ao deemed -Wed by LCWN whta mc*W at dts ItxAttao ddowd in the Note s at satdt otba toads a may be dedpod by Left in Aarardom as tbs uWps p w*iam !n Swim I$, LindanmWdamnanypay,+aatorpnnWpsymmi$theptNyaattterpmwpAymMWWi abratg to Lan eartat Inds may wM mW pgmmt or.paW) pgmm htmttfmdaa w bdq do Imm must. wbbmta waira daay cigtm basada arpreJadke m i tlphb a rdtre sarh paymamd a ptrdmt paytsmN>t in dm bthme.6ntlaNtW a sot ebtigsaad a sryply smGN pgrtNmtae sot des titasattdt pgaamb are aooyaed Ilesch ttrto* Pmympu is apIIAd ss of 0 odadsled_dta) "k that Latdv No mt pay btaergt m MWptisd weds, Letkt fm hold mch, tmsapplted deeds Old Be¢m w mdra tlw-ft w bstey im Loot Wmea. If tlmmwa,teet not do w tu" a tmtmom"pa)od of don, f aata shtdt 4&w tpp(y arh hods or Wama thom a 8atwaa. If M mpptied adia.stCh fir& WE beapptod O WA ataYalft ptbotpd bftm atria 0e NOW bamcft* trio a (modumm No oCaN of dean whkb Bmowa tdgln bm tww of in du litmte gwft (.etch nett follow Bmaawer Bmm a*b g paym m be ader the Now mtd ads SvmM boo osent of pedaVA4 Me oov"" add tgtmemms amnrd by A& Sawmv ba mt m k Appdcatoa of "tom w PtsAAeW.8mc*w olk in deem" b dit Seo w 2 o pgama accepted and Appdsd by LatdrY dtetl be appded Im ate kdmvlat aria at pdmt4r . W htbasat dote andvr dto AWE' (b) prism of dot under the Now (e) astoaatd.dw mda Sad= 3. Shat pW trnb *g W AppiW m emb N&MC Isarntmat in the Nadu in Which tt bmmo doe Any moin* amormm sttidl be MW &g m Imp drRacs, AWad m Of other smtastmdW tnatrr the SwPhy Uebw=L and th® w mdum dtc p>%dFW bsum of the NOW. It I mds.reedr I a payment from Basowv lm a ddbgsmt Paiadb Pgmmd whleb indttdes a wSrclat arrant to PW ear lob dwV 4% the PW" BW be applbd o tho ddlagoM pgtnmt mad to We dkmv. If map dew tmo Itriodlo PWnm b adon htR, trader mg gpir AW pymm %o dvpd Goa t3 "MOr m the repgmmt or We Ptslodie Ptpatpttr if, wtd m fro aneer (hta, each patrmcat as be pad in ? Odtt96199i7 . twwx Oft-m(aa)pema ayestln petmse» Vol apt1872P632(fl, M To der extent that any omm atiss aft the paymnt is mplkd m the fa Peluso of etc a more pdb* Ptymcm WA aaeaf may be applied m sty hla eWgm due. Velmeay peeprinoab d a be. applied lhst m easy pmptpomntedtargmtYd 6m a drambW m dk Noe. ?Y aPpG?° of P'd? asutsa? peeCe°da' °f )V?oe9eaeoa Proceeds m ptlocipd riot uttdta the Nate aha/ aatathtd apoMpomtbe der daor.adtmNdm aamrar,eflat'aiod+e Paynaen. 1 Faads for blsrroo' lletadn. Borrotrer slmG psy al.Rda va O1a dal PtsWdk 1'aytttWY m doe wrier the Nola tmW dtc Noe is paid to fug. a han (dm Taa61) a pvMt for p o went of rmuals doe W (*I U.0 end alavesmieala ad otRa ban WW ? or ? OW Ills 3WKW ? Psq=w. I ? (C) apmsm or iamm em my aa d sari s on to RvpatT (b) Issubtim my Insurance 80 m by law an Leader or sty lame pq" by ? so 9aymat of Ma ga p- I , ; in ar utmndacc wo qh the Woahdons of Section tO. Sbaeimws as ea9ed'fMrrew fltane.' Attttghrla or many dMe daft Me ems of dtv Leta, Lmdrr may mgWm dad Oammaoky AsemdWm b m, Fem and Awcomme s. it any, be ewowed by E4areswer. ad Wdi am. for and oar oomm dud be a Escrow two. Barowbr man trampdy falaieb an Lader in eotlud of s=asses to be PIM UWW"Seddon. BMW >tun pay tamdo der Fab far Exmw hcm aim Lager wide Bonowar's 004" m pay die Aarh for my of all XTOW teems, t "dor Way W" Bmawer"e 6VIOat m Pty m Lady F=ob &A my or aO d P4&MIWMSMY dmmL Any much shop moam do y MGMW Imm [err W" pgmm of dy, who NO wbm PayAW de amo Pen Weedy, sim8 f "'OR IAMft WCIk a mlkleacNg arch Fob in payment wilhks boat sour 304 ding Under and, ft LEtdv awh paytmadn and ayme Dow as Loader mry ttaAkm eoaowo?a ahltgrbe m asks to P746 toceipti ahA for at putpoeu to darted htbe a eoveM and agmeme t wubdrmd b rids Saemky 1ttflewleaL at de pbrac •oosmat and opvmw Is used 4 Samoa 9. N Borrower he dApled m pay Ewmw imm dimWy. Via= m ¦ *9911. and BWmM frier b pay On mom due for m Escrow Gat. L=ft may mttaehe ks rlghm undue Sectim 9 and pal seh tr and, soaaowr? don * or an Escrow under Sadao 9 an rcm an Lou my each mom Lowkr may mmb a ftm at 24 ply any daeby a d'?weois saamtb. daldal ?hem>har' ado dd%SoCWn , Dottaarv uheO Pry m Issuer aU rte. Linder may. at as7 tuna tam and bud Fads W an amatd W saRlctaot in pmmk Lends m sPptY The F" at the time upe ped under ROSPA, and Cb) td an aemd der maoemw atatmat a Teach cm mgW1m under BESPA. Latch'" admus the uaona of Am* one on she bob of anent do and ratMWC aromars of arpatdla? of tamroEaadw Gram a adatwka Is WOMW M WA AppvWI& Lew. I% Panda e44 beheld 4 at isadradim where detpama We teased by a fadend agony, k WingamMig. Lan Benlt I aria" apply do Pads to psty &a FaMw GaasGass no Ism am due dime sp-midi ceder ROSPA. Larder sbaO tot d wp Bderowm for Melding end applyhg rite Ponds. annmg7 wtdyffid duo eaMm aeeouat, or vmyying der Exxm Items. unkn t cWw pqrs awmww ltmmu r dun pads and App9abta Law pwmke Leader to make sack a tltafgC. Udme a apeaomt is mode in wd&4 cr AppWkIc law aafaku kxeren n be PaW to one Pads. Lender *A sot ba ra}6od to Pt7 Borrower any b=at or dwnktga an the Fa ft Barower and fader am apse in wtidag, howeser. dial imeat stool be paid on der 0001649967 n.urr ??0(PA) tdwq run a.t ?? Form 3030 1101 %I57ZK3202 pan& LWW shag givt to Swmwer. whhoat OmW? a armW smwm Ig of die Ftmda a tv*" by RFSPA. N dtme to a migd a of Reeds )mid to a mow. a 4c%x d Yadtt RBSPA, Lotdcr *d anwoot p 80ttmra for the eaaem bmds in mcmierm wA RWA. Vim i1 a almrtaga o(Fmd{ bdd In maw as drlmed aeder RBSPA. Ladtr Ad noddy Swower as by RBPA, ad So-- A" p4' a Lcn tri dm own[ mumory io mata op die Awmpa in wgwk m with IWA, bat is no [peso on 12 mmft prytne t if dram is a ddWomoy of lrwds bad la amow, a Mined coder IWA. Lntdw OR noddy Sonower a regabed by IWA, mad Bmmwor shag py m Lmdor dm wmomt oecemy m mdm up me Mllokeey in ammdaaoe vdtl RWA. but In no Vote g m 12 mttttthdy ppm= Upon taymom k M of nU m ms amauod by tlw t wm* btwwwF& feeder shay POPE reWN to Barxww any Rinds bed byltnder. 4. Owom flew. Sane- alai pq ai tan, me llmoft dwt% Se4. oral impoddons amibnm* m the Ropew wltkb aim [inch pioft ow tb geadty Lw.naa. lmadmid p w-mm or Wood teas m do Pqv, if ay, and Cttmnm * A-,-kdee )loft Fina.Val Amaamaanb.It ¦y.To me warn am Om p an am Zmaw Lama, taatsowtr sldl rbs in the mover Pmdtkd In Setalao S. Basawcr slay pttmtpdy dieriap may up whiol pfm* mar do $ottteity faMmasat WINS llototwen. (a) agrees In writlog lo ma p W= of Aeoblip6m mcumd by oho im k a raWler emcpw k n Loader. bin ody eo long a Borrower is p:iptntag meb ageaaetat4 (b) aoards )be Ikn in good fdm by, or 1letatdNtgabatao(atameotofties1imtatigalt whidrinlatfdrr'sapittiouvpaaasoPcerwttic eakm mmt of me im whtle dwn poearAngs we pea ft bat aay ad nth pomedlap me cony uft or (a) arCatab from me bodw of AD den w agsmom aeddw y b tender agbadWng dm Um le ddb Scanty boom?. It L=& ddamiwm *a arty part df an Propmty Is mWaa m a Ben w" arm awdo priority ovw 44 Swa ty baw mem [.ardor may ghee Rmewv a VAN Modyiag On IkL WWtip 10 days or the dam an which that nodes it gtvat, Soettowrer ding soddp dw Un or trim mw or move of the acdw art fm* above In Sde Seedon 4. iwtdor my mgWm $ormwer to pay aonoi w chop for a n d not as val8mliee sadlor mpwdog mvice wad by gander is cc-sloe eft dib lam s Propery faeernooG 8oryoaer ahdl [mgr 16e baproseroma now a a 6nadtrr c:atvad art me Propeny m ?, but am *WW w. ur to i mad ftft for which Loft ra • b astrm Ttds brim= rived be mafambM In the women Ndaft deductbc kve* and tar the ptrica that Lola mgtdrot. Whin LamW mqu4a )rte m me I - A' g mnaca an dWW dmiag the ram of rho tan The kftmw wnW prowdkg dm btstoaaoe dmU be rha mt by Borrow sd*ut m Larder's rW to dtsttpptovc Bwrowees dwko. wtdeb r)ght rill not be exach d n&w$amb6. Lender may mgabo Btmoww to Fry. in wm mdw with mL Low, ddbr. (a) a ow4= dtmya for flood saw dm=kAdoa, mdtiredw ad tmddng eeevleae or (b) a w"ma ehdp for flood ame detmmhagim aad m m*m wykm and submgaear dwla each dmo mwWmp or show drwp+ cover which ro sombly might affect WA dc= t M or aadBnion, Bwma dtdl ado 1* roifa d to Ar da: paymm of my I= iagmeed by me Federal gmwW q Mmapaam Apicy m mmm cdoa wilt its review of my flood zone dcnmbuok a tczohbtg [lam an oWwdm by Bormwer. ma ,/. M A 200164119017 ?.efPA1 Mann PAN a M n Form aoaa SWt IR1'672PG3203` u Denowc four m maiaWn my of tbi tmsaagb dmptmd above. Leader m% obtain inm om tmaw, at loodwo CPU= mid Beanmter9 expatm Landers mular w abftgatlcn m pch me my prdm* We or mmoot of eimermg, Topeihm, inch coca a tdwH Stever I modes. but might or a*W as peM B,asouir, Bctrow l COW It dm PrgwV. or dw mom dine lmpeegy, ipdm say dik kw d pr UsbtTtq and aright pm-vme pedw a km wmp to woo PMW* a OICL Baoo%w odmorrbdom dot dti room Of the lempex eovaW a vborlncd WjM SOON* =MW dm ma Of tanmmom that Bormwer mold Fare ttbuiaW Any mmtttdt 6*w*ai by Laadt tads ebb somm S dw l btmmoe W" W curt of Bttrmwer seaaod by this laoaity lno mmi a. lode aaaamb"bet -mat s do Nam no kon the dose of dtdrms opmand *A bepgd&, with man iawu4 wom 6odoa fine Lsstda m Botrowts requwdttg paytaat AI hwtattem pttgdem regokea by Lads sad c=m* at aneh pokies obese bo m*a to Leitch'. right to dh ppoft o mb pollda, doll bdude a smmdltd o , & gc ib m and *A awe Lssida IS shortpWM 03W Al an mdd)dmd 1016 payee. f.nWW dA homer 916 ft% b bald the PAM and MWMA CardhCa L 9 Leda' erO&M, 8cmowa go PIMPdy on m Loader eU fmipu of paid Femaiwot ona mamW notions, It lgertawa obod1 my Perm of' oratmtcs corasga, act aowwbe stupor by Linda, for d m p m, t dcommoan oG as rmpaty, =6 Palley dull lodads at andrd oexop clams tmd tmf0 amnia Lmdor m meetypae mdbr m f a additlooot lose pyea. to dw s wort dbm. Batmwer dub Sift peeapt codes to dm iwtmttm cmft Said l t ida. Laura may atdm proof of W D cot made punts by Btaow Volm Liodrr and Dome adioraft oft In wmq, sty hat mm ptxaad6 whether or cot dm undamykS atotmx was xgldeod by Latdar."be applied m mom" or rptak of deer them if it mmmydtn R wpk is wwan uy femabla ens Lmder'r a it not lammmtmd Dttthq sorb M* Saes tmaaR" Palad. I-nAc"how dw r44t to imld mh Latmuree psnaee,le twSf cider he had an en &W* m h"W ach Ptoporty lo amrc the wo& bas bow oompkwe to Latch's aWabtstioa, p wAdM dos anon ittyo a oW be okkvW t ptoapdy. I my dsbtaht Female Sir ffie mp w ace mrmadom in a awe payment or to a own of "Mm psymma ps do work is ohapktd. IMm as aSrenwo s. made in wffts or Ap bm* Lair ro**= inwoet m be paid an motet hths:dmpp pmwodm, Linder sbd ad be muf*,Pd p peg Bt minor my Imaea or carp sra moon Pomade. Foot far peblb dJwmm or etba Ihhd pw" to Ww by bo mm mbd act be Feld oat dthe 6tsartce Praaor4 and shad bC airs sole al Baetbwa # the ttmmrml* 1 t repmlr b not eeaaoisha feat* or L= Ws staaftiq world be bwot; , do' - ,-tmptooemb shall ba appW b dw an= x card by dtis Soomity Iamcct m wbodw or to dmo d^ wN dm rotmoc If say, paid ID Swrowa. Strait atmmn praaeds"be q,pW to tlm ardor provided far is Seedos 2. If Borrower sheedm die Pi"my. Leda vW Nor, tmpdw sad rode wry awa "bmuum *im and alowd canons if Borrower does not teal 1 widrk 30 days to o woke ihom Ismda that the btsurmce earth be offered tD lc* a chda, Shut Leader may negodre Ad weak Me claim. TM 3044 period will begin "ca dw actin b give. la dgm event a iE Linda a *Uw dm Psapaq -odor $ccdaa 22 or mhow6a, Bmower baeby U*m b r coder W BOaOWA d* ft b try bmcmoe pen - b io an reinter sotto caomod dro m ma a gold thder ibc Nm gr ddt Seeuft to wren. sad (b) say der of Datmo tek r>Skw (other that die riSpt m nay roved ? tiered psanhwso Pend by ? under all tamastce p)it>ics aomft dro Pmpegy,111-$9 err iwk 41a ore MUc" In tba C*ve age of du Ptopatq. I.rodc may ass dm inmtamoo I , I -As odta m mpir or rtaluae Im peopirq or m pap amour repaid under *c mole at"$marky Insuamau, whadw oraot thin" *m 0001949997 4ft-RPA) Wait maea rat IS Farm IM trot it.) 872PG3204 6, t3anpaoq. BRtooer steal t<ceitpy, n<Wlit?, aad rtes the ?P°n7 a $orrotw'a priadprt rw+datcs W" 60 or aft the esradoe of I& saemftlt Isawromt sad da wol ue la ocwpy the plop" as DaraKry prh%W residence for at hma we year eftw be dW- of accapnay. mikd I PA" odrrwbe atpeew ht wnd". whdeh MMM shall rot be wm2nmhly wWdmK or uka es=ua{ing dt ommime atbt whkb we begot d bane er'scomoo). 8ornrer wtwB eat aa and Prwkdka of ms Prapwgr Inspeetieos. 7. PraWT9 2t NUMM re dram. damage or kn* the Property. mow the PUMM p dpasioam R Oomph MM an die PRt<pdty. . whe0ter at rot eanowaiw x d ft In dw Psopaq/, soramord on whale Me Ptapom in Drills to FMt the FWMlyr burn dcWbf d%ar doawsing in vane due to he ocadidoo. Udw it b dawainwd paaant b Scdiao S QtatrepeM err wwpatioa b tattsoererrkaly krt9fk. HmoirPt drat yaprgtty repdr the Aapag' a damagod p avoid laiha dtarriasrba a dsmsps It feauwace or oo0dwrnai0a preoadw we pdd h ooaiteclbtt veldt Mast4e rL R the bldrl aG the P100atY. eoevrrot slot be yapoan?lo ? repai:g or testotMg dte >MOpvO orb Looda bas [ebewedpieeeeds Oor aaelt pmOA Lardta at4 d)abm1E }otsrds [a die tcpaha and tesootaba ip a s4<glo peyh<tnt or is r ?a d pwepesi payawr;r as die warn Is campdeted. tt the lrtanpoc tr cendetntaden ptodeeda se ra eufQdmt n repel! or ceamte the Proputy, EonawerB aRSaliowod a8arowee'sebGg9tuoa [ardrmmpladordwe6 mpairorrratasdor. I.mdP! m iq apWt sap mahe rasarobie traried ? aril hupwWeer d der P<Wagr- i[ k Wu war. twda mq lMe aeaiar a the improaarwa an the Ptnpasgc lesidCr shat >d? BtsrawV w0ac at dsc dmo dor prior m arch n tataiR irgadon spetdlyht? aa? nenmade ause L Veneer's Lae Appimtim acemw er shag he indobA lL dathq IDs [mi rpplm= pram, Borrower or my pmgm or eaddes asdeg a da dipoedert of Bom*w at with Brttoaees hmwkdlo or codmd prre MVIdY UhA Vd*A^6 R kAWA a W(NMODO or st I'l m LOW& W [aged to provkla Under wbh mmahl h<damsdoti) he earrerdm with die um, h4a ww wpm="= hwhds. Wet am rat Dam pr vwcamwwg COM07dag Benows eewpmry of the Ptapaly a Bpmwel p< o*a rewldom 9. prowdm of Leader's Irdaaat In the hopab aad ftbb tww do kvp* Lartrtsmem. u comalned;& ddoOmwitybomboL M<dbretgga%dib SeeurLy Inalnaaett (snch n a pre0e0dlad is 6r1°optey. Pd?• fill e0elwrauwt tx TarLehue, Iris e<tfmmaPtt a a Rat whkh mq adn prmdty ova tWs Sopdty L?meot or p ewt[QG heal or rqulalepd. a (e? Bormwae has abattdattel Wt?ia the ProPatY?u4 eigWb made Ssd<dly reasaisbie or rpptoptWe p pwroa himitetea4 iadatlag ptttost?nl soNar sptaBrg mw mire a qte Peopgty, aad searing aadla repaking <be p,opary. Landa's oabos as iawiade. haters set faked ts: W pryhtl aty arms ae?od by a lfm whtrlt has pda)ty WAT thin SCCUrb L<nvmotk (b) appodag a OOar$ sad (e) pgdrt; eetsaalmble seonieys' fas b POW ib bMM is dta PMVeM NOW d5W mtdta' ft SK04Y kMgta Wlk WCIrA hlj lb W MW Dosltba is a bon"tcy ptoeeedbd. Soaring die Rapew iaduda, bet is rot lathed h% wwwrg as RW M p make mpWk darlla bO% repbw at baerd up-doas and wladows. chin e-on from pom e6gm& building or Odra' code vlabd= or don-, g u cam9fiaM and hsvc WUW Mm d oo or or[. AMO* Ixoder may We aedan m,dw this Sadao 9. Leedrf doe trot ba" in de so rod is ra miler any duty or oWiipadat to do so. II is agnxd dun I earn bxm; no bMW for an pdcbg my or m &3;&* aatborkod ender this Seeder 9. to III ewwM 4ft4tpA)(W,4 Pgwwn lw Fermi MV i/et I1872PG32'Q5 Arry mmaantt di-w od by Lataia order dda Sodw 9 dub bran I addhimW debt or 8mrowa uetud by dda SO-W IOMML Tbtao amaar 94 bas kwma a do Nora rata hom die date at domevnart wi ahar be pm"W with modr itMmaa upm Dole 6Dm Lradm b Baaowe teges* ?? B Satmnritq (aaboawm 1. m a ltsaalwW, eorrawar char aaWd1 arith mtl de pewldoru of the lase. If Bopvwm aegima IN dU a the Pt"ktf. OO IMSM d ad do too tbla alutl mm map tttdma I each WWWdwWAwinv4fft I8. Xorfiprre lamr=m It Linda rcqubad Merytt{e W=MW n a csrrdidWi of ma*g dm IAai. 9aeroatr der pay ft wembm fs*" to Ed" rw flottpra Lrewmra b co m IL pot my mwem. aw Luanw>d ? rtgarad M leads ens?a,?ba araWmaa4?onaotd6yo ataga? irauta tb,e pamom pc 1ro ? irraoBommw e, Bax ?a !a8 pay ?e? ta ?eq?ad aabt?tt ao tubWYry agnhabtt to Aa MK%W hum= pnrbaly in dbc% at a can Sdouo * egdnkm n W art a bom wtc of dw ldarop lvm m prorbady is d f=L tom n demo, aa- -g qy borer cbcmd by I Au t. 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I.......r A.d cbee eee aa.aWldOaadaawow is 0afW111Rpm6ocw Or 2L gad am UUMPOW 400 WIdoasla tt Ire dOW N 1SK gap krcelM tW Slearlty TOWWVMW b! JrNd afpuam I cm e l Is pmashft the Iafaed pfw' at oa' rm am W* RAWN. t gOafyfalft" wooer[ roman ad the ? moveyd /eNl UOWM ad bwo m dempld, kw&* or (b ON > a ftm of Mx ate or adage of a o it low . r twat,, & is a leMlllBdedao6yy gaga lia evaoaal hHtatlos as l ado for as qwwfb? I* sa lWAM fobm* awe mat IN ww to i *b* ar VbW aaIl- of >ia VOW to ad Um p !d worn w11 Y wd- lftioal Itttit ilmfsl em ??.. i,?aa?daf [bat be -aw b a" a I h silo bobs A b&Wm bar ad tmtad b, 1AW. N SIAM to .soco y nwjua4a ?1hf?ILLS fag UMM8orfvva MUpq ally fooaadesoacom LMMafaya puawwwa- GpyuJp$aala 44p/Mi' IlaamlWt. batafh Y ma to 10 paid q a dufd PIetY fOr 7avka f4alefad atd >lle 7A WAvaa. So mov, a dle Aa elmtp?iapbMLN.? Appta* Lia. W,A. IYd lefpafa Yy plOff Of ?mom drfaau to ptaeaaOW a entxae IhLt SrcveY Lebrmna. M 6hssaehhy? wdM k bows of WY w fa try of ommdm a OWW of dale, am"m fmn itOCh J. Wq m mK and U hmomd 19. Rdwatasaof Perbd. Bar uW3 to to alorlate pro's in SOWN 19"wad a me briar ptiertothom -rcgaenedbid&SaLsditffsmiearoMwsliap?u?Kto"3Kiu Y IttwomiL Zd ilnobaae Wang 1YfefYpla w ny d rile 4* aoaaad by tek 3wv* 1Aasoeoaa if lem 0 UnwergaogdmWsqdwProperty.tbtaSrsffgbalm mt"beapurdneeat, .1 27. Io0wW Qah Aft w JodaMad. 8a wm apes dw do knot as payrbk a0e a1 Is eaWed co the Now a is on wft or awwp krv*owe dale be dw ode pry" ffom rime to tlmo wda tM Mae. ,,<4001849057 .n? VL.? 4ft-pfA)imoi NPl+d it /beat3039 IM Ut i 872Pc3211 BY SiG M 5MOW. Dwow i -vgw tmd WeeS 10 the terms; ene Mvm=a conYined in thk 3,,O q end ;o bn xidcr owulad by Bolt-W 444>ems104 Mich u vF&M x clan A J. _ (Sal) (Sad) U •aanwa •ltrgnt em _ («) •Dare?er ?a _ GW) (W ?? •pwrv+ar 000164;867 r.n?ea,. Fone700? iron iia a?2PG32I2. Cora ate or Resid- do kray may *a 4 (rjrlS )+hRi? n 16400 YWI IGONAN. SUITE 1000 the ooctca sddses+ aI the niddo.nnood Maw' yyet IRVINE, u 92611 VAmow my b-d Wo aseaoruoonps« "( rws coMMONWBALTHARMM"YLVAN1A. 600 ondrWWdMw, RaoellymV--ad ??/ y G i2r?J- ?? luvoi wme(or P'-1m) W be Me PMOXI) hose moo(s) WW saDS<tW to tAe vidtin bwomem end wkwwtad(ed that hrkhOm WA=d the WA far ft P OPmd boron C=V)aad. IN 1yIP[NPSS W2o808, t bmmw X My cgmmiwtm w- t 1 vawa% jwmtdm ?C 0 ><qs MWI Simi" 0001641967 na A!?-e -0 tRA) IeOOq rue to a le tone eesa srot OKI872PG3213 ALL THOSE TWO CERTAIN late of land actuate in the Borough of New Cumberland. County of Cmnbertand, PainsyWadmi. bounded ad dmmbed as follows, to wit: TRACT NO.1 BEGEMING,at a point on Sewwth Street which point is forty (40) fad dWe from the corner of Seventh Street and a pA & *W tbesteo is m eanwstdhy direction and alerts the Fme Of said Seventh Street forty (40) *d to a point, the dlvkling Has between Lou Nos. 228 and 227, them north along "A dtvi ft line between Lots Noe. 228 ad 229 and an a time at tight -ON with Seventh Slat otle lttmdrad five (105) feet to a ter (10) that wide aft thecae wen done rho fmm of said alley fgrty'(40) fed to a poiat on the dividing One betaiam LOU Not. 227 and 229; thence son % 4kutg said dividing be one hundred five (105) fed to Seventh Street, the place of BEGUiNID4G. BEING Lot A. 228 on the rho ofamoad, add Plan behtg retarded in the Ctu°abe land County Recorder's 00o in Dad Book "M', Vol. S, Page 498. ?[iCP N0.2 BEGINNING: at a point an the northern liar of Seventh Street at the eaatem line of a ten (10) foot %Day, baling the first alley list of Makat Street; throne in a awdmrly dkmdOn'aloeg the eastern tine of said aO?y am h mdmd five (103) font to a p)k on the mubtra line of a second 411ey; thattoe in an eartaly diroaioo dams Wd horn weadmad aOey Sorry (40) Fan to Lot M. 228 on the Plan oMots bcir a er matdoced; theaee in a southady &eedon along that TmMM One of said Lot No. 228 one hundred live (103) fwt to Seventh 9treafi then- in a watedy di- don long the northern 1itaq of Savamtlt Street forty (40) feet to the point or place of BEMRMG-. DrMGLot No, 227 on the plan ofLots ofElkwood afor-mantioood- HAviNG theian erected atwo and an*4m f(2111) story frtume dwabl& 140.123 Sevmtb Street, Nt w Cumharl 1 Pa. BEING THE SAME PRBMiSES which Edmund A. Halcy, Jr., P.xeradar of the Estate of Mary IL Way. otantor htaeip, by Deed of oven date, produced herewith and kneading to'be recorded, granted and eomreyad urfo Laura J.1laghes, a single women, t3terttee herein, bar knits and assigns. UNDER AND S CE, NEVERTf1=S, to easarteab, rex ; 4ma- taserat'0ns. conditions and rights f way of record. 10 872PG32th N_ UC3/UU JAN-11-2008(FRI) 12:40 . `ricia Black Abstracting (FAX)717 337 "4S . lu. "wwxr. 0001019997 PMWAYMZNT RIDER PIM RATE LOAN This rmpoyamt Rids 4 ride Otis 24tH dwy otJeaa 2091 .rd is ipwtpetstd Imo and"be dnnmW to mad AM tappkP-U ft ftmiwm7 Nov (the •Neto? and McApaa Deed MTt+M or SeadN Dees (dw'Seattlq 'to>r's Nov 9 We mdmtfSwd (the •Bottowar•)t teat. repr meetofBwto NEW CENTURY MMTGIRI CORPORITIOM To the V$M that die ptavisims of aft Ptt RW vW PmR met ad tdnli uWsA c Now atd/ot So=* IntdaMeal. the ptavk any tneh IaaotUM Pear ordw NOW MOM SM- ty IMUWnmt. In aditm m 1be wwwwaa sad agn mom ask is ft Nov and Semdty hMUU aMt. me Bsetawer aM EAWu fart a eavm% atd Agra a IbUo" 4 Bo]MGWU IWRT TO PRMAY Ibanthedimtotwbep reaftdpelsdpslap*tsbstaraabgmdmA 4rRsymMt d pthstlpN o°b Y itaobr r a "ptspgt.rt"• tA'bw I rrYe. p.epa?fnear I w!R kO ds Nat Realer to odfia0 I s oft U. Tba *%vo kr wa m in of oly Prspgm" S@ rd n, tbv umm t pdadpst &AI mm mmow d& Nut. Ir I so" I the tW P WAYANdo pkre whl be m ON" V Ue dm &AM d M m d* Pgmesb =u is wrtdaa to tlate drgw. If wMhb 3 7ta9ltoM tir dab d etataltlss d ttw 5ottfeW larbmsrtd. I as kv a too pryyseot or. to awtb ewes a pawl PnrlmrMs and OR bw td No pmpapnmgr) in say 12-m a pww aapwb Tp wff P&4CRNT (9Mi) of *a east petdpA -amt of n& bap. I wm per a pnpayMN dWp It U $Mond agfalt to ds (e) tiaaw dnsa fakwt as w meewt by wM& the tdsl d taf pr6MMM*) I'll t 174Mo PVd-A =M* TWMNIY PMCMT M%) due *'%b" Pba"pel amstMI d tae tan. BY S7t)NING BBIAW. Borrower w pu sad altos n dw tams and --m* -01-d in ft prepayment Rider. TAVRA J <YUIKUJ NwC hTp y.M Rld- PUed R.e rle!- PA R&ALS MOM) F44M4 Yam I Certify this to be recorded Tn Cumberland County PA Feenrdcr of Dods 11 # 87 2-PG 3219 Please Return To: Shapiro & Kreisman, LLC. 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 (610) 278-6800 714F ARMS SPACE FOR RECORDING USE ONLY LOAN # 33667445 Attorney Code: 00376 ASSIGNMENT OF MORTGAGE PENNSYLVANIA This ASSIGNMENT OF MORTGAGE is made and entered into as of this 02ND day of APRIL, 2007, from NEW CENTURY MORTGAGE CORPORATION, whose address is 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409 CAssignor) to U.S. BANK NJL,IN ITS CAPACITY AS TRUSTEE FOR THE REGISTERED HOLDERS OF ASSET BACKED SECURITIES CORPORATION, HOME EQUITY LOAN TRUST 2004-HE6, ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-HE6, whose address is CIO OCWEN LOAN SERVICING, LLC 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409 ("Assignee"), for and in consideration of the sum of Ten Dollars ($10.00) and other good and valuable consideration, the receipt of which is acknowledged. NEW CENTURY MORTGAGE CORPORATION does hereby assign all of its right, title and interest, as holder of, in, and to the following described mortgage, the property described and the indebtedness secured by the mortgage to the above referenced Assignee. Mortgagor: LAURA J. HUGHES Mortgagee: NEW CENTURY MORTGAGE CORPORATION Dated: JUNE 28, 2004 Amount: $85,000.00 Recorded: County: CUMBE LAND Book: Vila Page: Property Address: 123 7 AVENUE, NEW CUMBERLAND, PA Tax ID #: 26-24-0811423 Together with the note or obligation described in the Mortgage endorsed to the Assignee, ("Note') and all moneys due and to become due on the Note and Mortgage, with interest. Assignee its successor, legal representation and assigns shall hold all rights under the Note and Mortgage forever, subject however, to the right and equity of redemption, if any, of the maker(s) of the mortgage, their heirs and assigns forever. Assignor, by its appropriate corporate officers, has executed and sealed with its corporate seal this Assignment of Mortgage on this 02ND day of APRIL, 2007. G.ac -D -4 Ab ZIM - 6611-it2Z NEW CENTURY MORTGAGE CORPORATION 0B - e3?bq E w),1915,06't' L " ATTEST: l Name: Denise A. Keccretary Title: Assistant STATE OF FLORIDA ) )SS COUNTY OF PALM BEACH ) This assignment is effective CT OCWEN LOAN SE Cl G, LLC BY ITS ATTORNE!rson Name: S Title: Sr. Vice President POA Recorded on : MARCH 31, 2006 Book., 725 Page: 4499 BE IT REMEMBERED, that on this 02ND day of APRIL, 2007, before me, the subscriber, a Notary Public personally appeared Scott Anderson, Sr. Vice President and Denise A. Marvel, the Assistant Secretary of Ocwen Loan Servicing, LLC, A Limited Liability Company, By Its Attorney-in-Fact For NEW CENTURY MORTGAGE CORPORATION who I am satisfied are the persons who. signed the within instrument and they acknowledged that they signed, sealed with the corporate seal and delivered the same as such officers aforesaid, and that the within instrument is the voluntary act and deed of such corporation made by virtue of a Resolution of its Board of Directors. N. NOEMI MORAi.ES .rc Notary Public, State of Florida r " piy Commission # OD 478884 Exores: October 5, 2009 Notary Public I he y certify the add of the Assignee is: NAME: When recorded return to: do Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 Phone Number. 561-682-8835 ? +? ?m Lic f W. as 160 " . ft0fftw1%FA19406 Prepared by: PURVI SHAH Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 Phone Number. 561-682-8835 ALLONGE BORROWERS: LAURA J. HUGHES PRESENTOWNER AND HOLDER: NEW CENTURY MORTGAGE CORPORATION NOTE EXECUTION DATE : JUNE 28, 2004 NOTE AMOUNT: $ $6,000.00 This allonge shall be annexed to the original Note (or to a copy of the Note with a Lost Note Affidavit if the original cannot be located), referenced above for purposes of transferring same from the present Owner and Holder of the Note, NEW CENTURY MORTGAGE CORPORATION ("Transferor') as of the date set forth below. As a result of said transfer, NEW CENTURY MORTGAGE CORPORATION has no further interest in the Note. Date: APRIL 02, 2007 Pay to the order of U.S. BANK NJL,IN ITS CAPACITY AS TRUSTEE FOR THE REGISTERED HOLDERS OF ASSET BACKED SECURITIES CORPORATION, HOME EQUITY LOAN TRUST 2004-HE6, ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-HE6, without recourse, representation or warranty express or implied this 02ND day of APRIL, 2007. NEW CENTURY MORTGAGE CORPORATION BY ITS ATTORNEY-IN-FACT OCWjDeni N SERVICING, LLC By: NamA. Marvel Title: Servicing Officer OFB Loan Number. 33667445 ALL THOSE TWO CMAAV km eflad si uw in the Borough of Na* DaWand. Courtly of Caabulaad. PerAfftnEk bounded and daunted w Wows, to wit: i 3tACr N43, t BEWARIl'IGrat `point an 9ovauth Sweatt *Nth paint Is tW (40) hddrata AM die mm ofSeve u& Stroet and apd& dkl, dsaooaio as aaatm* dbedlaa sad sinf n l i s of addStvw& naet?}gr(Wl&ettoapnKlhadMftftjetwaaLobNvs edZ29; thence aotth along nNl dvid'oig silo 6etwan Leta Na. 3Zt aad 159 and oa a q? at tilt a?1a wid, Swarth Shoat 046vadrad A- (I" fact m a ton 00) hat Wide ?real; dwomwo t dtmg tha 600 ofaald aNayiift?j'(4t9 (tot to s po'at outha goR betwoatLobNoa.227:ed 228; thecae aatih akaB tell dividing hoe cue haWred On (105) fedto MINA Strs the OW of BECrII?NAn3: BMGLotA.228an the PIwo IPM wod4addPleabeingr-Mladintbapaab«land cg.ty Recvrdaes ogee is oood Book W, Vol. S. Pop 498. at apoha a e the am*Am Jim eFSwatdt Scent at do mambo 9fatw Cl? foot allay, balq t?ra &at dlay coat of Adarbat 8ttaeCi thaarta io atrotthatly dbeedoaaloag dx . rauaa um of said one haadm d Eve (l ti6) tied tea polat oa the mudie rt fla ofa aaoaad dleft domino" et s*dy &vWoa daeg tdd lode meat NW ailey fbr'9t (4ti)"roLd No. 228 . m tbaPlao ofJ.ats luietoe@er meadooed; tbeaas ins aodhady diiaedon r5oog tle waatam>4a oe laid Lot No. 278 oae huttdrod dve (ltls) !belle SaamatgaeeC.thgae k aw?aoalr dkoetten olong tha northom 674 of SavoMlh Sueetforty (4m fat soft poet of Plano of • BWG Lot Na 271 on the pion ot'LOta ofPkwood afalM=d0 rod. HAVIVGtberbooetaetodetwoawon*4ug(214)stotyth®odweBi &No 123Swemh Street, New OMberlapd. Pa. BEING TEM MME PI1t1?fIBES which Unnad A.13aley, k., ihtaouWofthe $atata of Mary R Belay, amraor hetvln, by Ooed of even daN,ptvdacal haawith and hua 4ag robe mcuded, Ranted and oa weyedmdo Nutt J. Hughes, aAnek va-su cram haoln, bar hda and 03018na. UNDER: AND S4MV=, NW4M'[MMS, to M MUM" taltmdoM roeedndane, ooadtaas end rights fwsy of tarard I(.! 572PG32't-4 * Total Pages - 5 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA B RECORDER O? * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200811113 Recorded On 4/9/2008 At 10:53:51 AM * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number -18303 User ID - JM * Mortgagor - HUGHES, LAURA J * Mortgagee - NEW CENTURY MTG CORR * Customer - SHAPIRO & KREISMAN LLC * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $27.00 OOOMGT 11111111111111111111 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 12650 Ingenuity Drive Orlando, FL 32826 PLAINTIFF VS. Laura J. Hughes 123 7th Avenue New Cumberland, PA 17070 DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: W 10W COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE 4 i O - . t n r 1 ---l E? r7 rn -? -r 4 t, ? 1 C7 L.J YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 Fxh;hl-? Sol) of PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A LISTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDERDINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO. SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO ALA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 12650 Ingenuity Drive Orlando, FL 32826 PLAINTIFF VS. Laura J. Hughes 123 7th Avenue New Cumberland, PA 17070 DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6, the address of which is, 12650 Ingenuity Drive, Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: New Century Mortgage Corporation Mortgagor(s): Laura J. Hughes (b) Date of Mortgage: June 28, 2004 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1872 Page 3198 Date: July 6, 2004 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: New Century Mortgage Corporation Assignee: U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass- Through Certificates, Series 2004-HE6 Date of Assignment: As Recorded Recording Date: As Recorded Book: As Recorded Page: As recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 123 7Th Avenue, New Cumberland, Pa 17070 and is more specifically described as attached as part of Exhibit "A" 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Laura J. Hughes, 123 7th Avenue, New Cumberland, PA 17070 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of October 1, 2007 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of January 31, 2008: Principal of Mortgage debt due and unpaid $82,253.37 Interest currently due and owing at 7.4% per annum calculated from September 1, 2007 at $16.68 each day $2,552.04 Late Charge of $29.43 per month assessed on the 16th of each month from October 16, 2007 to January 16, 2008, (4 Months) $117.72 Suspense/Unapplied Balance ($175.50) Accrued Late Charges $268.82 Appraisal Fees $111.00 Escrow Advances $806.54 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $4,112.67 TOTAL $90,296.66 9. Interest accrues at a per diem rate of 16.68 each day after January 31, 2008 , that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. Date: a ) 19'140E? SHAPIRO & KREISMAN, LLC BY: Attorneys for Plainti S & K File No. 08-032069 a7cat DEEDS COUNTY-PA '04 JUL 6 Pl7 2 10 Itehm 11ot N lII%MY MORTGAGE coomATIUN my CENTURY NONTMeE CORPORATIOM 10400 VON RAGMAN. SUITE 1000 IRVING, CA 92612 26-24-0611-123 16Mu Ao "Tw toe rw RwwiR 0w,1 MORTGAGE IIbFOam" te 20 .c ?w dommW ugmnft an ? "0? m1* t00*0 SeWom 3.11.13, POW" In section I& IA) -$Ccar7 lwut. =r waWfdtdoaNifftWodt6dao* June 26, Z004 U*B tar WWI an Riga to dw dntm cm (a) e9ft"War- is LAURA J. GURNEE , A SINGLE ROMAN Bwo-a 6 dw mwmv Dow this Sonadty ImtnmN04 (C).LesW jjs MEIN CERTURY MORTGAGE CORPORATION Irndaion CORPORATION 0001840967 PENNSYLVANIA. WMj* FanNY • Pmn1r M.d re"10Nao YNWOAM 94MV74ENT f.rm 302 Vol P.S. I ., is .nran MEN vutaaonmAkotto,nn•1Mnan• . Immill R1t1872P63198' ' ? " " ? b A F-xhi s oVWu,dwdwd,ft=dads"waaf CALIPW1IA ladcr'sadd<ea ll 18400 VON BARNAR. WIT[ 1000 IRVINE. CA 02612 Leads is do mwwfwmndar dds SKM * InmamaL T?Aer s aMbor, T EI?ty-FI a The and and RiaiiN - nodm ) pM btleeM. Hoo?ora WopramLeod b Ph' Ous dot is ?eNm (US. S $5,000.w Pap Mac 7a1d 7o Wy mo debt b fa0 sot Ylrt dsrl July 1. 204 fM "pttpe tr means die paper ty mat is deoaibed below mida dw heO ft "1Yanda of RWO N tht PVWWW.* " mew dw debt nvidmcd by dre Nom. Ph* ho &M MY prapsymmt C11"" sod IMO d MV9 dae wdw doe NOS sad OR mall dos aOdrr Mb Sao* huumwt.111'4IR O ae (a "Radar" room so Iddas w dtb Secuft fmmemast to aro Oaccad by eorm-. 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On dm, die Ro49 dai G ;PxZ7 nnda?d?, Phi 0001040007 unw 40-a{Ra) IMP) rwAnbn Fonn?Wa tmt EkI872PG320 ALL THOSE TWO CERTAIN loth of farad *uste in the Boraugb orNew ta,tnberiaad. County of Cwnberland, Patnlylvania, bounded and dereribed as Wows, to wit TRA,Cr NO, I BEGIIV3MQ4 a point on Seventh Street, which point's fatty (40) beet ditreot frog the corner of Seventh Strad and a public 9W. thmt o is as outwrtdlf direction and *ion the re of said Stvmth Street fatty (40) feet to a paint, the divkiitg IN between tab Nor. 228 and 229; thaw, north along nib divwag Ina btawao Lone Non. 228 ad 719 and on a rma at tiybt ansim with Swath street afe hnmdnad five (105) fat to a to (10) find wide A w, rhea Wert slang tttc lino of said alley fdrty (40) fed to a point as the divdisg line beNioen LOU Noe. 227 and 221; them sousb bong said divi ft be one buxlrad fm (105) foot to Seventh Strad, the ph= of BFIGIIdt?ICi: . DMG Lot Ro. 228 on the Plan ufELwood, add PM being recorded in the Ovaberland County Raoarder's Office in Dacd Book "W, Vol. S. Page 448. TRACT M 2 . BEG)S11Q Gal a point on the northern iiae cf Sevaatb Street at the aulmn Sae of 's tat (10) foot a W, being the first aGay pet ofbbA t Sue* &um in a northerly d ractiouttbwg the eastern line of said aile!y one bundred an (cos) feet to a point on the mobera rise oft second attey; thane in an aecpdy direction aloe raid htst ma%WW alley lwty (40) fast to Lot No. 228 on the Plan afLots b4einfier tnrau[oned; thtttoe is t "Vii dy th e'd m along the wastera Ina of said Lot Na. 22a one h V*Cd 9va (105) feat to Strvaatt Sheet; thence in a wasady dhoetbn sioag the ntatbcm siq or5aventh street Party (40) fed to the point or phwro of • BX.MG Lot No, 727 on the plan *(Lots ofpmood afar aL UAVING 00400 erednd atwo and one-haif(2 IoZ) nMftamo dwtlm& No. 123 Savoeth Street, New Cumbar44 Pa. BEING TuE SAME PROUSES which Pdmuad A. Haley; Jr, &*War of the Estate of Mary 1L Finley. Grantor krmia, by Doed of even date, pm6w4d bmsveith and intendlttg to be rcaorded, granted and tow&yed -AD Laura J. Hugba, a single women Gmatee berein, her bcirs and uni8m. UNDER. AND SOJECT, NEVFFR'PHEYMS, to ase CA% ratri0Wm msav==, conifidam and rights way of record. EK 1872P63214 JRN-11-2008(FRI) 12:40 7ricia Black Rbstracting (FAX)717 337 ?248 P.uc» UCJ 1cm Nembn: 000104 9207 PMAYbVW RIDER F17M RATS LOAN Tbfe rrepayment Rider b wade fills Z$t b ttay dJaws 2004 and is bwtpatamd Idn and Aan be dmacd m mood ad aqo mcu die Pmd my Now (0te'Nm *) wad h[af4gc. fated of Trmt or Setmelty Deed (*c 'Soon" twmm um") of the mm dm #lo w by the uwd .Jpmd Oc -Bwm..M a 1-e - - repaymmw of Bartot v Nom ro NEW CENTURY MOETRAf1E CORPORmall (die 'L mtce) To the cm* *A the p blma of thte rmmn set Rider are iseomlalmt whh file pmvlsiooa of file mw ad/or sow" limumne 1. die pm or fhb RAht"ptevall over 4W aha0 rttpetsaJe any meb inmoutem f of 0w Haw amlbr SwwA iowrmmt. la W Wm to 0s wvewms and apawmu mde b the Note and S-dly Wt mtwnt. be Bamonr and Landes fadw adeaami awd arm as fotiowl 4. sow*WiR RW Xf TO )REPAY I have da dot b aqp pgwwb or p nckW ag dw bdara thq we dew A prepgwgt sipelsdpal tejr M l- m a"prepay- Wbae I aorlte a paapapmea4I A kaft NabRlaito?htweMhgImdolgr. Tb7bbHexerwemam ofmyPepgmaw to eadaeo the esMmt afpeiadpal piss Is" wwter O bb Naas. V t wefts AtM pepapms4 the will be im drops is the dwo dateo or ey amr.. - pgoab mime tU Nate Heller apwr is mill" to those drag. $ MA s Jtae rntr dr dab ei tsrtwtlrr of W 5oefdly Rrtraemt. I matt tea ptgwymwat ar. in =Nbl- qpe a Partial ptgapaaay aN'h ftw ar osr! pnpapmaseW in Me n4mo1h pWW O=mb TWXMT PIQCMff M%1 or the add d petsopel ene®t or nde imp. I vda vas a prtpgraft a-P Is u --Ed sled to dz (d) taadw stravae tow"t as the smvwt by trhlJ ty NMI or ag preMpestta) w" that lZme"m period eaeoeta TWVM PERCENT (20%) rrtq W*wm pdadvd vow of as tars. BY SIGNING WWW. Borrower mm" and actor n tftc MM wad eareoawfa WRWbW b *b Peepoymettt Ride. LAURA i(yusumi NCMC Mq.rmaa aMcr PbW pee Ant. PA v asau nwoaot> . I Certify this to be recorded in Cumberland County PA Recnrc+c:r of.Uca?is 8i4'?$72PG32?9 NOTE June 28, 2004 NOM LAND PENNSYLVANIA Witc) [city[ [Shatc) - 123 7TH AVENUE CUi4BERLAND, PENNSYLVANIA 17070 (Propeny Add-) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ $5,000.00 (this amount is called "Principal"), plus interest, to the order of the Lander. The Lender is NEV CENTURY MORTGAGE CORPORATI ON I will make all payments under this Note in the form of cash, check or money order. I mtdersiand that the Lender may transfer this Note. The Lender or anyone who takes dais Note by transfer and who is entitlad to receive payments under this Nov: is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid I will pay interest at a yearly rate of 7.400016. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month begiming on August 1, 2004 I will make these payments every month until I have paid all of the principal and interest and my odta charges described below that I may owe urda this Note, Each monthly payment will be applied as of its schednled.due dama and will be applied to interest before Principal. If, on July 1, 2034 , 1 still owe amounts under this Note, I will pay drone amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 18400 VON KARMAN, SUITE 1000 IRVINE, CA 92612 or at a different place if required by the Now Holder. (B) Amount of Monthly Payments My monthly payment wilt be in the amount of U.S. $ 588.53. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "Full Prepayment." A prepayment of only part of the unpaid principal is known as a "Partial Prepayment." Except as provided below,' I may make a Full or Partial Prepayment at any time. If I make a Partial Prepayment equal to one or more of my monthly payments, my due date may be advanced no more than one month. If I make any other Partial Prepayment, I must still make each later payment as it becomes due and in the same amount I may make a Full Prepayment at any time. However, if within the first sixty (60) months after the execution of this mortgage, I make any prepayment(s) within any 12-month period the total amount of which exceeds Twenty percent ( 20 %) of the original Principal amount of this ban, I will pay a prepayment charge in an amount equal to the payment of S ( x ( 6 ) months• advance interest on the amount by which the total of my prepayment(s) within that 12-month period exceeds Twenty percent ( 20 %) of the original Principal amount of the loan. 0001549967 PENNSYLVANIA.FIXED RATE NOTE - Single Family - With Prepayment Penalty 4103 P499 I W a ®6110SN(PA) loci) VMPMORTOAriE FORMS - (500)62 t-7Z91 InIWI eaTr This I a and Co rtifiyd true on the I 4-6,60 -- F)t v, a k. S. LOAN CHARGES If a law, which applies to this loan and which sets maximum ban charges, is fmaBy interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits. then: (a) any such ban charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me.- The Note Hokia may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to ne, If a refund reduces Principal, the reduction will be treated as a Partial Prepayment. 6. BORROWER'S FAILURE.TO PAY AS REQUIRED (A) Late Charge for overdue Payments If the Note Holder has not received the full amount of any monthly payment by the cad of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00 % of my overdue payment of principal and interest. I will pay dtis late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in defauilt. (C) Notice of Default If I am in default, the Notre Holder may send me a written notice tdlwg me that if I do not pay the overdue amount by a certain date, the Note Holder may requite tote w pay. immediatdy the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date en which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default. die Note Holder does not require the to pay immediately in full as described above, the Note Holder will still have the right to do so N I am in default at a later time. (E) Paymeat or Note Holder's Costs and Expenses If the Note Holder has requited roe to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses is enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for exampK reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class email to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice drat most be give[ to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any peso[ who takes over these obligations, including the obligations of a guarantor. surety or endorser of this Noe, is also obligated to keep all of the promises made in this Note. The'Note Holier may enforce its rights under this Note against each person individually or against all of us together. This means that any one of its may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means die right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" mans the right to require the Note Holder to give notice to other persons that amounts due have not been paid 10. APPLICABLE LAW This Not: shall be govemed by the laws of the State of Pennsylvania. If a law, which applies to this bare and sets maximum loan charges is finally interpreted sot that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (b) any sums already collated from an which exceed permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund redo= Principal, the reduction will be. treated as a Partial Prepayment, but in no event will a prepaymentcharge-be assessed if the Note Holder choosm to reduce my Principahbalance ApplybjtAbM g excess amounts. 0001649967 3 ?105N(PA) (a) Papa zof 7 Inma-C m 11. UNIFORM SECURED NOTE This Note is a uniform instnnnettt with limited variations in some jurisdictions- In addition to the protections given to the Note Bolder under this Note. a Mortgage. Deed of Trust, or Security Deed (the "Seem* Instrument"). dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I metre in this Note. That Security instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest, in the Property is sold or transferred (or if Borrower is not a mural person and a beneFicial interest in Borrower i4 sold of transfer without Lender's prior written consent, Leader may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lander if such exercise i9 prohibited by Applicable Law. If Lender exacises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument- If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pemilted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. S_&tAil A - 9, (seal) - LAURA J. 8N -Borrower (SW) -Borrower -(Seal) -Borrower _(Seal) -Borrower -Borrower (Sew) -Borrower (Seal) -Borrower (Seal) -Borrower (Sign Original Only) 0001649967 (W. 10SN(PA) t93o4j Page of 3 4109 t.osn Number: - ooOI649967 PREPAYMENT RIDER FIXED RATE LOAN This Prepayment Rider is made this 28th day.ofJune 2004 and is incorporated into and shalt be deemed to amend aid supplement tie Promissory Note (!be 'Note;') and Mortgage, Dad of Trust or Security Deed Xtbe 'Severity Instrument') of the same date g' en by the undersigned (the 'Borrower') to secure repayment of Botrower!s Note to NEW CENTURY mo0irGAWCORPORATION (th? 'Lender") To the extent that the provisions of this Prepaymenl Rider ate inconsistent withe provisiom of the Note and/or Secitity Insttutment, the provisions of this Rider shell prevail ove[ and shall supersoft . any such inconsistent provisions of the Note and/or Security Instrument. r In-addition to the covenants and agreements made I. the Note and Security In trantent, die Borrower and Lender further covenant and agree as foUotvs: i 4. BORROWER RIGHT TO' PRZPAV I have the tight to mike paymmb d prtacipsi any than before th prepayment of principal wry id knewn-as a "pnWymast". Wbw fake tell the Note Kohler In wrldni I u dohs` eo. They Note Holder will an al to redo= the amount of principal that I owe under this Note. If I make a there will be as cbaages is tie due dates of joy moutbiy paymmb unless I In wry to those chanes, H within 3 years from the data of encutiw of the Secati make a fall prepayment or, to certain cosec a partial prepayment, aad the prepayment(s) In any 12-woutb period meeeds T WNNTV PERCENT (201 priadpat amount of this loan; I will pay a prepayment charge in an am" mouths advance iaterest on the amount by which the total of my prepaym 12-month period exceeds MINTY PERCENT (20%) of the original prim loso. BY SIGNING BELOW, Borrower accepts and agrees to the terms and Prepayment Rider. AURA J UIIN NCMC P"zymew Rider Fused Rate Fast- PA RE-413 (0102n4) y are doe. A prepayment, I win of say prepayment; Partial pirvity-ent. e Note Holder agrees Instrument, I sal of such of the original equal to Ax (6) t(s) within that gal amount of the contained in ibis RE416M a oalzw 10! OCWEN Loan Servicing. 12650 Ingenuity Drive O .__ C ....... W _.. E _.... N Orlando, Florida 32826 December 03, 2007 Laura J. Hughes 123 7th Avenue New Cuaberland, PA 17070-0000 Loan Number: 33667445 Property Address: 123 7th Avenue, New Cuaberland, PA 17070-0000 WWW.OCWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515118948427 Reference Code: 0710 PLEASE SEE THE ENCLOSED DOCUMENT ?4 ?• 11 E14 h sb. This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT91.11 ..................... OCWEN Loan Servicin€ 012650 Ingenuity Drive OC"w ''_ E N Orlando, Florida 32826 APPENDIX A December 03, 2007 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE WWW.OCWEN.COM This is an official notice that the morttate on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pates. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800- 342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: Laura J. Hughes 123 7th Avenue New Cuaberland, PA 17070-0000 LOAN ACCT. NO.: 33667445 ORIGINAL LENDER: NEW CENTURY MORTGAGE CORPORATION CURRENT LENDER/SERVICER: OCWEN DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan Servicing 12650 Ingenuity Drive :0. . C _- w -. E N Orlando, Florida 32826 O WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arranee and attend a "face- to-face" lneetine with one of the consumer credit counseline agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. "fhe names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR.APPLICATIDN ROMPTLY. IF YOU :FAIT;, TO -DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. .. ..... ............ OCWEN Loan Servicing 12650 Ingenuity Drive .0 o c WEN Orlando, Florida 32826 WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 123 7th Avenue, New Cuaberland, PA 17070-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 911.50 from October 01, 2007 through December 03, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 1,177.06 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 757.44 Late Charges ........................................... $ 357.51 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 5.21 Suspense Balance (CREDIT) ........................ $175.50 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 2,121.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,121.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram, Cashier's Check, Certified Check or Money Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage-debt. If the tender refers your case to its attorneys, but you cure the definquency-before the lender-begins -legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and Drevent the sale at anv time up to one hour before the Sheriffs Sale. You may do so by Davine the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writine by the lender and by Derformine anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan Servicing 12650 Ingenuity Drive Florida 32826 WWW.OCWEN.COM O C w E r+ Orlando, EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 334164737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the. mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSU \,lER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsification to authorities. SHAPIRO & KREISMAN, LLC t BY: Ilana o ,Esquire -\'A Attorne r Plaintiff Dated: 0 1 '0 1<0 U.S. Bank, N.A., V. Laura J. Hughes, IN THE COURT OF COMMON PLEAS Plaintiffs CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW NO. 08-1030 Defendant ANSWER 1. a. Admitted. b. Admitted. c. Admitted. d. Denied. Defendant has not proof. 2. Neither admitted or denied. Defendant has no proof. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Denied. Defendant has attempted to make payment and payments arrangements. Defendant still desires to cure said default and arrange for automatic withdraws from her Commerce Bank Checking Account. In further answer, Defendant attempted to pay on February 5, 2008 the amount of $3,000.00. Said payment was return from Ocwen on or about February 15, 2008. A copy of said printout is attached hereto as Exhibit "A". 8. Denied. Defendant has no proof or calculations of said amounts. 9. Denied. Defendant has no proof or calculations of said amounts. Eihs"12, "I "r." 10. Neither admitted nor denied. Defendant has no proof. 11. Admitted in part. Denied in part. Wherefore, Defendant respectfully requests to cure said default and to arrange for a bimonthly withdrawal of $400.00 directly from her Commerce Bank Checking Account. Respectfully submitted, Dated: March 20, 2008 /r Laura J. es 123 71 S New Cumberland, PA 17070 (717) 350-0811 Commerce Online Page 1 of 1 Send a Message Logoff 6 semce Service Center Send a Message Read Messages Message Details Date Change Access ID- Sender Change PIN ----- _............ ..._ Subject Change Icons Privacy & Security Message ' ?11Xfitt*< 02/15/2008 10:45:56 AM System Returned Payment #73176110: Ocwen Loan Servicing, LLC This payment has been returned and has not been processed. For assistance, please contact customer service at 1 800 493-7562. Message # 36 Payee Name: Ocwen Loan Servicing, LLC Payment Amount: $3000.00 Payment Date: Feb 5 2008 Print Cancel 1-888-751-9000 Live Customer Service 2417 1-800-YES-2000 Telephone Banking Service Copyright 0 2003-2088 Commerce Sank Exhibit "All httt:)s://www.conunerceonlinebanking.com/csc/svcs-.read._ msg_detail.asp 2/25/2008 U.S. Bank, N.A., : IN THE COURT OF COMMON PLEAS Plaintiffs : CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION -LAW Laura J. Hughes, NO. 08-1030 Defendant CERTIFICATE OF SERVICE I, Laura J. Hughes, do hereby certify that on this date, I served a copy of the foregoing ANSWER, in the above-captioned matter upon the following individual by first class mail, postage prepaid, addressed as follows: Christopher A. Denardo, Esquire Shapiro & Kreisman, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 DATED: March 20, 2008 Laura J. Hughc' 123 70 Street New Cumberland, PA 17070 (717) 350-0811 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1030 CIVIL TERM V. Laura J. Hughes DEFENDANT AFFIDAVIT OF Anna V. Jimenez STATE OF Florida: COUNTY OF Orange: Anna V. Jimenez, being duly sworn (NAME OF CORPORATE OFFICER) according to law, deposes and says that: 1. Affiant is employed by Plaintiff as Foreclosure Facilitator and has personal knowledge of the facts set forth in this Affidavit. 2. In Affiant's capacity as Foreclosure Facilitator, Affiant has the responsibility for maintaining the files of Plaintiff with respect to Plaintiffs borrowers, including the above-named Defendant. 3. In the normal course of Plaintiffs business, Plaintiff maintains in its files the original or true copies of Defendant's Mortgage, Note, Assignments and correspondence to and from Defendant. or I 4. In the ordinary course of its business, and in servicing mortgage loans, Plaintiff maintains a record of the history of its mortgage loans on computers into which employees of Plaintiff make entries of payments, disbursements and other appropriate transactions. Interest is calculated by computer software, which software is applied to all or substantially all of Plaintiffs borrowers, including Defendant. 5. On June 28, 2004, Defendant entered into a Mortgage Note in the principal amount of $85,000.00 in favor of New Century Mortgage Corporation. 6. Also on June 28, 2004, Defendant entered into a Mortgage in favor of New Century Mortgage Corporation which secured the indebtedness of the Note. 7. The real property subject to the Mortgage is located at 123 7Th Avenue, New Cumberland, PA 17070. 8. Subsequent to the execution of the subject Note and Mortgage, New Century Mortgage Corporation assigned all of its interest in the foregoing property and documents, which interest now legally belongs to Plaintiff. The Assignment was duly recorded as noted in Plaintiffs Complaint in Mortgage Foreclosure and is a matter of public record. 9. Affiant is authorized to obtain a printed version of the data electronically maintained by Plaintiff for the subject mortgage loan account. Attached hereto and incorporated by reference is the payment history of the subject account. The Affiant has reviewed the history and, to the best of the Affiant's knowledge and belief, it is accurate and correct. 10. Defendant failed to make payment due on October 1, 2007 pursuant to the Note and Mortgage and thereafter has failed to make all payments on this obligation. 11. As of April 30, 2008, the amount due to Plaintiff pursuant to the aforementioned document is $91,898.56 which includes the following amounts: Principal of Mortgage Debt Due and Unpaid Interest at 7.4% per annum from September 1, 2007 to April 30, 2008 ($16.68 per diem) Late Charges Escrow Deficit Property Inspection Fee Title Report Fee Property Valuation Fee Certified Mail Cost Satisfaction Cost Suspense Credit Attorney's Fees and costs TOTAL $82,253.37 $4,043.62 $386.94 $806.54 $10.50 $300.00 $111.00 $10.42 $39.00 ($175.50) $4,112.67 $91,898.56 12. The per diem interest rate is $16.68 for each day after April 30, 2008 that the debt remains unpaid until judgment. 13. The mortgage sought to be foreclosed herein is due for the October 1, 2007 payment and all subsequent payments. The dollar amount of the regular monthly payment is $911.50. At no time has Defendant tendered a sum sufficient to contractually cure the delinquency herein. 14. Pursuant to the Mortgage, Plaintiff is entitled to reasonable fees incurred in the collection and enforcement of the Note and Mortgage. 15. Despite demand Defendant has not paid the amount due. 16. By letter dated December 3, 2007, Plaintiff sent Notice of Homeowner Emergency Assistance to Defendant as required pursuant to Pennsylvania law. A true and correct copy of said Notice is attached to the Complaint as an Exhibit. SWORN TO AND SUBSCRIBED BEFORE ME THIS- t DAY OF ?2008. N AR UBLIC 08-032069 JESmDyms MY COMMISSION # DD 749280 EXPIRES: January 15. 2012 Owded Tt n, NMW PW* Underwn'Mrs i2 90 d G? ]O I l0 iqK q 1 F 12 am ? 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I I q I .+.+.+000000000000000000000000.+.-lo IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6, Plaintiff, V. Laura J. Hughes, Defendant. NO: 08-1030 CIVIL TERM BRIEF IN SUPPORT OF MOTION OF PLAINTIFF, U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF ASSET BACKED SECURITIES CORPORATION, HOME EQUITY LOAN TRUST 2004-HE6, ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-HE6, FOR SUMMARY JUDGMENT SHAPIRO & DENARDO, LLC BY: Lauren R. Tabas, Esquire ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 INTRODUCTION Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 ("Plaintiff'), commenced this action seeking a judgment in Mortgage Foreclosure against Defendant, Laura J. Hughes (hereinafter collectively referred to as "Defendant"), in an amount equal to the principal, interest, late charges, escrow advances, costs and attorneys' fees due pursuant to a mortgage given to secure the indebtedness of Defendant. There is no dispute concerning the existence of the obligation, the amount owed, or that the debt has not been paid in accordance with the terms of the Mortgage. Because there is no dispute as to any genuine issue of material fact, and because Plaintiff is entitled to judgment as a matter of law, Plaintiff respectfully requests that summary judgment be entered in Plaintiff s favor. PROCEDURAL HISTORY Plaintiff filed a Complaint in Mortgage Foreclosure (the "Complaint") with the Cumberland County Prothonotary's Office on February 14, 2008 and Defendant filed an Answer to the Complaint on March 24, 2008. Therefore, the matter is ripe for summary judgment and disposition of the motion will not delay trial. STATEMENT OF THE CASE On June 28, 2004, Defendant executed a mortgage note in the principal sum of $85,000.00 (the "Note"). On the same day, Defendant entered into a mortgage in favor of New Century Mortgage Corporation, which secured the indebtedness of the Note (the "Mortgage"). The real property, which is subject to the Mortgage, is located at 123 7Th Avenue, New Cumberland, PA 17070 (the "Mortgaged Premises"). Defendant failed to make the payment due on October 1, 2007, required pursuant to the Note and Mortgage, and thereafter has failed to make any payment on this obligation. Despite demand, Defendant has failed to make any further payments on account of the indebtedness to Plaintiff. The amount due and owing through April 30, 2008 under the foregoing agreements is $91,898.56. This includes a principal balance of $82,253.37 and interest at the rate of 7.4% per annum from September 1, 2007 through April 30, 2008, in the amount of $4,043.62, as well as late charges for that same period in the amount of $386.94, an escrow overdraft in the amount of $806.54, Property Inspection Fee in the amount of $10.50, Title Report Fee in the amount of $300.00, Property Valuation Fee in the amount of $111.00, Certified Mail Cost in the amount of $10.42, Satisfaction Cost in the amount of $39.00, a Suspense Credit for $175.50 and attorneys' fees and costs of $4,112.67. After April 30, 2008, interest accrues at a per diem rate of $16.68 until judgment on mortgage foreclosure is entered. ARGUMENT 1. THE EVIDENTIARY RECORD ESTABLISHES THAT THERE IS NO GENUINE ISSUE AS TO ANY MATERIAL FACT. A. Standard For Granting Summary Judgment. Summary judgment is governed by Rule 103 5.2, which provides, in pertinent part: After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment in whole or in part as a matter of law (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. (2) if, after completion of discovery relevant to the motion, including the production of expert reports, an adverse party who will bear the burden of proof at trial has failed to produce evidence of facts essential to the cause of action or defense which in a jury trial would require the issue to be submitted to a jury. Pa. R.C.P. No. 1035.2. Since Rule 1035.2 was amended, the Pennsylvania Supreme Court provided guidance as to the new standard in Ertel v. Patriot News Co., 544 Pa. 93, 674 A.2d 1038 (1996). The court accepted the standard of review in motions for summary judgment as established by the United States Supreme Court in Celotex Corp. v. Catrett, 477 U.S. 317 (1986), and Anderson v. Liberty Lobby, 477 U.S. 242 (1986). In these decisions, the Supreme Court stated that a non-moving party on a motion for summary judgment must produce sufficient evidence on an issue essential to its case and on which he bears the burden of proof such that a jury could return a verdict in his favor. The Pennsylvania Supreme Court in Ertel specifically stated that this standard is consistent with the amended rule 1035. Ertel at 101, 674 A.2d at 1042. This new standard places a burden on the non-moving party to come forward with evidence to defeat the motion. Even with the amendment to the rules, the purpose of summary judgment remains the same. According to the rules of procedure, summary judgment is properly granted where the pleadings, depositions, answers to interrogatories, admissions on file, together with affidavits show that "there is no genuine issue of any material fact as to a necessary element of the cause of action." Pa. R.C.P. No. 1035.2; see also, Marks v. Tasman and Benson, 527 Pa. 132, 589 A.2d 205 (1991); Citicorp Mortgage Inc v Morrisville Hampton Village realty Limited Partnership, 443 Pa. Super. 595, 662 A.2d 1120 (1995). The function of the summary judgment is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. Williams v. Pilgrim Life Insurance Co., 306 Pa. Super. 135, 461 A.2d 833 (1983). Another purpose is to avoid a useless trial. Dillon v. Nat'l R.R. Corp., 345 Pa. Super. 126, 136, 497 A.2d 1336, 1341 (1985). Summaryjudgment is also designed to pierce the pleadings and assess the proof to determine whether there is a genuine need for a trial. Phaff v. Gemer, 451 Pa. 146, 303 A.2d 826 (1973). Plaintiff has the burden of demonstrating that there is no genuine issue of material fact. Hower v. Whitmark Assoc., 371 Pa. Super.443, 381 A.2d 524 (1988); Carollo v. 48 Insulation, Inc., 252 Pa. Super. 422, 381 A.2d 990 (1977). Once such a showing is made, summary judgment is appropriate if an adverse party is unable to come forward with probative evidence which demonstrates that it is not liable to Plaintiff. Phaff v. Gerner, 541 Pa. 146, 303 A.2d 826 (1973). When the moving party make out a case for summary judgment, the adverse party may not claim that the averments of his pleading alone are sufficient to raise a genuine issue of fact so as to defeat the motion. The adverse party must set forth specific facts showing there is a genuine issue of fact for trial. Id. See, also, Pape v. Smith, 227 Pa. 80, 323 A.2d 856 (1974); Amabile v. Auto Kleen Car Wash, 249 Pa. 240, 376 A.2d 247 (1977). In this matter, Plaintiff respectfully submits that the evidentiary record in this matter establishes conclusively that the material facts are undisputed and, therefore, there is no issue for disposition by the finder of fact. B. The Admissions In The Answer Remove Any Issues Of Fact. In this matter, the material facts of Plaintiffs cause of action are undisputed and, therefore, there is no triable issue for disposition by the finder of fact. The material facts are undisputed because Defendant has admitted some and has failed to raise any material issue of fact in dispute so as to preclude the entry of summary judgment. 4 In the Answer, Defendant admits the parties to the Mortgage, Plaintiff is the current holder of the Mortgage and the legal description of the Mortgaged Premises. Defendant's primary defense is that she is that Plaintiff refused to accept a payment. However, the terms of the Mortgage do not require a mortgage company to accept partial payments. Rather, the Mortgage states that the mortgagor can cure the default by tendering the total amount due. If Plaintiff accepted the partial payment, there would be no benefit to the mortgagor as the mortgage company would have to continue foreclosure proceedings. Partial payments do not cure the arrearage, therefore, Defendant's allegation that she attempted to make payments but Plaintiff returned them is not a defense to this mortgage foreclosure action. Furthermore, Defendant admits that the mortgage is in default when she states that she "desires to cure the default." The Pennsylvania Superior Court has held that summary judgment is appropriate in a mortgage foreclosure action when the mortgagor admits she is delinquent in mortgage payments. Cunningham v. McWilliams, 714 A.2d 1054 (1998). New York Guardian Mortgage Corp. v. Dietzel, 362 Pa. Super 426, 524 A.2d 951, 952 (1987). In addition, the Superior Court has held that the fact that the mortgagor never admitted the amount of the indebtedness does not prevent the entry of summary judgment in mortgage foreclosure. Landau v Western Pennsylvania National Bank, 445 Pa. 217, 282 A.2d 335 (1971); Citicorp Mortgage, Inc v Morrisville Hampton Village _ Realty Ltd. Partnership, 443 Pa.Super. 595, 601, 662 A.2d 1120, 1123 (1995). In support of its Motion for Summary Judgment, Plaintiff has provided the Affidavit of Anna V. Jimenez, a Foreclosure Facilitator employed by Plaintiff. The Affidavit conclusively establishes (i) that Defendant defaulted on their loan and (ii) the current amount due pursuant to the loan documentation. The pleadings, exhibits thereto, together with Plaintiffs Affidavit of Amount Due and Loan History, clearly demonstrate that there is no genuine issue as to any material fact. Plaintiff therefore respectfully requests entry of summary judgment in its favor. II. PLAINTIFF IS ENTITLED TO ENTRY OF SUMMARY JUDGMENT IN ITS FAVOR AND AGAINST DEFENDANT AS A MATTER OF LAW. The uncontroverted facts in this case establish all of the elements in a cause of action for mortgage foreclosure. "Summary judgment is properly granted in mortgage foreclosure actions where the mortgagor admits that he is delinquent in mortgage payments." First Wisconsin Trust Co. v. Strausser, 439 Pa. Super. 192, 653 A.2d 688 (1995), (citing New York Guardian Mortgage Corp. v. Dietzel, 362 Pa. Super. 426, 574 A.2d 951 (1987)). In contrast to Defendant's bare denials contained in his/her Answer, Plaintiff has established, through submission of the Loan Documents, Defendant's obligation to Plaintiff and the right of Plaintiff to recover the subject premises by foreclosure upon breach of that obligation. Thereafter, by virtue of Plaintiffs Affidavit of Amount Due and Loan History, Plaintiff has shown that Defendant has failed to make payment as required by the Loan Documents, as well as the total amount presently due from Defendant. Plaintiff therefore has met the burden of showing entitlement to summary judgment as a matter of law. The pleadings, exhibits thereto, together with Plaintiffs Affidavit of Amount Due and Loan History, clearly demonstrate that there is no genuine issue as to any material fact. Therefore, Plaintiff is entitled to summary judgment as a matter of law. 6 CONCLUSION For the foregoing reasons, Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6, respectfully requests that this Honorable Court grant its Motion for Summary Judgment and enter judgment of Mortgage Foreclosure in rem in its favor and against Defendant, Laura J. Hughes, in the amount of $91,898.56, authorizing sale of the mortgaged property, together with additional expenses and interest through the date of judgment and thereafter as provided by the Mortgage and applicable law, plus costs. .y submitted, & DENARDO, LLC Dated: ?_7- 9 - b BY Attorney for Plaintiff SHAPIRO & DENARDO, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004- HE6, Asset Backed Pass-Through Certificates, Series 2004-HE6 Plaintiff, V. Laura J. Hughes Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1030 CIVIL TERM CERTIFICATE OF SERVICE Lauren R. Tabas, Esquire, attorney for Plaintiff, hereby certifies that true and correct copies of the foregoing Motion for Summary Judgment, Memorandum of Law and Affidavit in Support of same, together with any other documentation specifically referenced in the transmittal letter, were sent by first class mail, postage pre-paid, on S` ? -Of - to the following party as listed below: Laura J. Hughes 123 7`h Avenue New Cumberland, PA 17070 & DENARDO, LLC R. Tabas, Esquire n r`' c .; rni r ?t PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. -------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through (Plaintiff) Certificates, Series 2004-HE6 vs. Laura J. Hughes (Defendant) No.08-1030 ? Civil Term 2. 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff'G Motion for Summary Judgment identify counsel who will argue cases: (a) for plaintiff: Lauren R. Tabas, Esquire (Name and Address) 3600 Rnrizan" DrivP? Suite 150, King of Prussia, PA 19406 (b) for defendant: I.a„ra I- Nttvhas Pro Se (Name and Address) 123 7th Street, New Cumberland, PA 17070 3. I will notify all parties in writing within two days that this case has been listed for argument. 4 ArcmmPnt (`n,n-r n.+.. Plaintiff Date: Attorney for Lauren R. Tabas, Esquire Print your name C= -00" C`R9 mt SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & D FILE NO. 08-032069 U.S. Bank, N.A., as Trustee for the registered holders of Asset Backed Securities Corporation, Home Equity Loan Trust 2004-HE6, Asset Backed Pass-Through Certificates, Series 2004- HE6 PLAINTIFF VS. ' Laura J. Hughes DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1030 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & DENARDO, LLC BY: A& \%I\\.. Ilana Zion, Esquire Attorney for Plainti DATED: l CERTIFICATE OF SERVICE I, Rana Zion, Esquire, hereby certify that on I served a true and correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Laura J. Hughes 123 7 h Avenue New Cumberland, PA 17070 SHAPIRO & DENARDO, LLC BY: Ilana Zion, F Attorney for r , 11 (i ?- ** 'V 3 ..