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HomeMy WebLinkAbout08-154591 - 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. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF VS. Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 0%- 15+6 i.vil lerm COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO 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. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: ®P- 15yS ?tuil T- vs. Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates, 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: Mortgage Electronic Registration Systems, Inc., as Nominee for Allied Mortgage Group, Inc. Mortgagor(s): Phillip Lough, Sr. and Tamala Lough (b) Date of Mortgage: January 19, 2007 (c) Place and Date of Record of Mortage: Recorder of Deeds Cumberland County Mortgage Book 1980 Page 4538 Date: January 30, 2007 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: Mortgage Electronic Registration Systems, Inc., as Nominee for Allied Mortgage Group, Inc. Assignee: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 1182 Greenspring Road, Newville, Pa 17241 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: Phillip Lough, Sr., 1182 Greenspring Road, Newville, PA 17241; Tamala Lough, 1182 Greenspring Road, Newville, PA 17241 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 August 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 February 29, 2008: Principal of Mortgage debt due and unpaid $141 074 03 Interest currently due and owing at 8.38% per annum , . calculated from July 1, 2007 at $32.39 each day $7 903 16 Late Charge of $53.78 per month assessed on the 16th of each , . month from August 1, 2007 to February 16, 2008, (7 Months) $376 46 Escrow Advances made by Plaintiff . $251 84 Suspense/Unapplied Balance . ($29.54) Prior Foreclosure Fees $175 00 Appraisal Fees . $111 00 Property Inspection . $10 50 Title Search/Report Fees . $550 00 Attorneys' Fees and Costs TOTAL . $5,000.00 $155,422.45 9. Interest accrues at a per diem rate of 32.39 each day after February 29, 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 Sheriff s sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 12. 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 Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: BY: I AUK Attorneys for S & K File No. 07-30311 ThistusknoutNvpmdBy; .. ALLIED:XORTGAGE GROUP, 7 &VA :A9E. 8TE 191,1,E PA 19464 Sunset Wiemetlt Services, LLC (610)66A-2745- 341 Science Park Road Attar Raoord rag ketam To: Suite 205 C I SfZO-1-001an .. State College, PA 16803 L64n Nuitiberi 1107 x094 Uniform Pmcnl Idcn0fler Nu A*or. 30-080597056 PropertyAddnmL 1182 GREENSMING R04D . N=ILE, PLrNN87CZ.VANIA 17241 x;41 J:7N 3D i'i'. 1 33 150M Abm YMr"Par %-OrOny D-W MORTGAGE MIN: 10090711070100947 DEFINrrldN8 Wards ttsed?la mtiltlpk flCtiatY of 6aia daemnmt ats dsfinsd bolvx sod sl>tar wards sro dtdined is Seetiooe 3, I I, 13, 16, Z6 sad 21. Certain ralos m8andiu8 Ute assge ofwtr? usedin 16ac datgmrmt ? a6;p provided ht Sertbd 16. with all &M to *b doa=nt. daaumaat, zlMieb is dated JANUARY 19 r 2007 , (B) "Harrower"is PHILLIP LOUGH, M. AM TAIL jA LouGH Bar ower islhe mmtPW mda this Smm* Inopu>mant MIM 9OW ac a mRlOteei nic Ragl01* n 6y Ms. Iw- mm is f reprrate cmpQ.gap ft1 is uft _ I.anderts unacaeootx and asogoe WM 41 W msrIg" under this Saerrity oft P O ?x 2026, 8 is ctganlsedud txbttag trader de bm of Det.,. std hN a Pdd u to w146= otmber t W 4901-2dU. tel. (see) 6794AM. )N91'AUMCNT • ARM PlpN t of 17 haft- amMa tux ?f 1 980PG ? d1k :. Illy- (D) "Lunder"is ALLIED MORTGAGE QROUp, INC Lmdor u a: YjMNsYLV7'm 13ANmaga GOR>?ORJl7 (m and exil ft nodar dm ium of PEMSnVMjA Leader's addtan it 7 DATA AVE., STE 108, BALA CY"W' PENNSYLVANIA 19004 ' l'1 ~l+lote"meenx the prora;e? ,,ota eiR by Bolrawer eed dared JAWARY 19, 2007 The Now *s O e ]3at: I owes Lender ONE BVI ov PORT -ow Taousut) FM OWDR TWENTY AND 00/lOD Dellsrs (V.S. S 141, 520.00 ) pku BQrMW ble promised b pq ft debt in togulm periodic Payments and to pay *4 debt in !!dl oat )ater WwcsL tbrm PEBkDARY 1, 2037 F) "Iro Pup" that is despibed below uedw ttu beading "rranakr of Riaw in tk propany.. n " e'^d`040'sowx N?4 muuk Pew . P 9mauohei:ges.odlate ducandor the'Nder and all uaos due >mdar shie'Seourity LrdRm?snt, plus iptmast. (a) "Rldtra"meaos ab'I kh" to this 3ecarttyLrcb-td W M exeoutodby B.A, ,cr. The followbog Riders era to be executed by gory cr [chock beer as applicable]; ® Adlauable Raw wider ? Planed Unit Devetppment Ridar ? Balboit Rider ? Biwakty Payment Rider ? 1.4 Famly Rider Second Home Rider ? Coadcralaium Rider ] WWI) ( 4,1 P"PAY1dlrl+iT RIDER TO SECURITY INST M "A WLA1w"meansaflcaatroltingappiiaabla@deal,$Wcmdhxx U rote:, vticro,ardinaaoesaod .dm iv ftft Was and mdm (that barn the O&M of law) ea WQ as an applicable final, nor?aptyalebk jgdicil aPiolom. ?t a ?ao ou'Birar or the R? and ?MataNa^meaus an duaa, fbeR asiatMnanbr and athcr etufOpa ?'uO Ptupmty by it condominium aaeo6iarioy, hemm mam am Wen or Similar (? '?IatrotdePYlads Trrmfat "ioea u say transfer of lands, ocher than it truuactioo ariginatrd by dock daft, utkb is hlWd d thnmgh an aI m,, a tamialL tolepbooic igatrew wit mVaw. or rsuauet. of am wkm a fiaaoichQ iastit ft to debit or credit an a0"'t 9ucb taim inchAwl but fa act "MW to- Pd"'& bmshl% teiepboor, wim tmpstra% and aummated autacoated terser msahine a„uec ion tlatutas initiated by (W "geerbw Ihtue"maras'tharo itsma that amain daaWpwd goon 3. (M1 "MlaeaBYoaNS)Proae "meads toy bra -tic a, wOmOnt, award Df tbird Ply (mho[ "Im 6m- prucecdc paid up*r the 40vasM described h, S,*an S) f , t)i? p?jo. ar ?wariv?ut ..tea Farms Mra?sddkM t is (?AM IN6fAI .. Form 3039 ntpl pays 1 of 17 QoaaalplC WWW d--q*oo w h1m- BX 1960•PG4539 desMnctioa af, the propmtyl (ii) eeedattluadtmorother Oi!(illg of atl or mqpm of the Pmp,,W, (ii7 copvcywm ye liau Oro WW=Mdm or (Iv) tttrBtprwcokdm o& or amiaio" as to, the yaw I WEK ucm bdm of the ktopetty. p ?eiwrruee"mrantiogpa?pPrpfae?ugLaoderl6e? ordaAakoo, dteLo?, doctor tt) p?incipal and interrat noder ft Note. lw (in say-Um mom ruder Section 3 ofihts' Swa ty lm*urom (P) "RWA^taema qtc Real Belo 5etget MPtooedum Act (12 U.S.C. 12601 et saq.) otd ks impkmmUnS m 1400 94PWom X (24 W IL ?At 3500), a they'mW be re>,vo&d f nm time tD time. or any s"goo d ar "1t o"m k&todw ar regnlldud tltrt govema the acme subimet math=, M med in this Seosulty Imtrnlleat, "R Ihbe Oft Lou does andscuWadom dat•arp bnppw.ip TGSW to a %4WO • rem mEc ?, (Q) " d" hbr*d ofBwTvwer? !Doty wtdet RESPA d c WV ha RaftwWs ob mD' Amy ftt btu tttlmt? qqe to t5c 1'ropcrty, vrhetheror txx that NpHont ttotla the NoAe aodlar this tlecurity Ipreratttent. TRANSFER OF RIGHTS IN 11iE I'RGpgRW T61s Security h a =md aecarm to Laxler: (i) the rommeot of the Loan, and all rccc-lj6 moans and modi6ca6m of dw Nate; gad (iq) am' Pabtumm of Bonvwdr cavowds and Wom" under this Samity hmhummt and the Neap For thu putpme Harrower tloa herehytawgW VW Ied emmy to TrI6R5 (Ide1y ae d-gmd pavpmty lad=ed in dw mea0feort.rtd acpm} and to the meee{}pry twd Issipu of MIi1tS the Wowing COMITY of CUMBER7 AND l M of 4"GWsl hRWkww,l p? ? A' vQW BMW AM MWEAPAW maw AS1? •A-. wh(oh onrmtly bu the address of 1182 t BBP$ING ROAD Isrroul 21EWVLT,T,E lknarylvutia 17241 ICltyj ? ("Property Addrtss"); PBp Ca&] TOOETM WITH am the 8thma moth iimpmvemeeta now or. hereafter *=W on dw proporty, and all ftsemedtk eoYOr 4PPOrknOCK R part of the pjapeRy. An repll ,wft and r?ditow dolt ahw be 0"Qmd ft dl t f YdtfslWddt and All Df*c U t? lo in this Sccmity hmh?rJ'tn aw -ptOpetty., Iesltttmeat,OKif Vt-*PtMWb9kisonly bpttltlatodiaWwostsgnmcdbyBm werint(timBmwity but daeemryto comPly WA Iaw or eoseom, lv W (II aomium ibr• Loader and LsmWs maoesoese ?) the right: to e>rmcise=y Of III of Ome interest; hlWing, bet nor limited to, the dght to hxcduse t?erY Fwm M ? USN YIF9HM st57?iUMFI! f - MERS Dk rxr Farm 709fl Ot/t71 Pipe 3 v(t7 oam BK 1980PG4540 and mat the Piopmty; and to take arty actionrcgttbed of Lenderinckding, but not limited to, raladog tad etraeeling this Security lmtromtr>t. tO. BORROWIM 03VMUM tint Bmtrwa is Iawfirtly wood of tba csbb Lacby coovoyod rend has the right age.: grant add =MY *6 Pfoperty raid that the Propwty is aneaeumbeted, except for cocua gom of MOCK Borrower warmals and will dofood gooandly the lido w ilia ftopottY laillOd aH Claim and demor* atkw to any axumbrahoes of rooot HMSECURPlYMMUMMacombinemadfitrmtbver,entaermdomintemdmngW&moovemmawidi limited variations by jaaisdietim to tnttetitute a oelfotm aecrority indmmeot covering 1W property. UNIFORM COVENANTS. Barmwor Al d Lendtx covmuat and sgreo a follows: 1. 1`a(?taent.rPrlpelpW.I?p?g,?wltenx, Frqurase??gaS a.aL.tecbarga. 8«toworab.u pay who due the'Ptincipal at and iawnst oo, the debt evidenoed by the Now add any pmepaymetn ob nes and late ahmgva dwo under the Noto. Bumhoer• gag alsopey fitdda lhr Swrow I* s p-aw to Seoti m 3. Payarenk due order tO Noss led ilea Sevoi* Ias4cmoot :ball be medo is V.S. suneney. however, if say chock or othor inshtatem remived by lender napayumt miler the Nate a diba Sunni tr Inshamant is reb raW to Leader or I dvrosy faqu re dirt soy of an aoh"ut pgtnonb des render the Nato add this 8cowY ?a adain ME ormase'ofthediHowingtwas,asadmiadbyLcadm (a)Cu%(b)amneyader (a) add k,be* ocv l ehoc:korcodi escheek,pimvided'anysuchdta:kudmwo upae an m wh areiapued by *p-7, irtsbmtte reality, sr asW. or (d) Elcchaoic Fundt 77%rwfr ose Paynaaib an: daemedmaeived by L-loi whin M-ivod at dla location d.siptatWla *c Note or at such o6a location a maybe dwisnatcd by Leader In aceordancewith the ewdmpmvidona in Section 15. Leader nW ream NypsymeotorPatN.lpsyttgmiPt6epaymerROrY p4 aroinwlBaieotmbringtbeLoanemrmt Lmdtr rutY aoe.pt ANY paydreot at puti t ptymedt toapffig*d to bring the Loan aimed, witbout waiver of say rights bwcduder at. prajadiee to its rights to refuse such prymeot or pw&t paymeoq in ilia oupted to apply arch payments at be timeaoah X1°0. but hood.[ is not Iraoh Periodic t?aYmeat k applied as of ih ackiadWadUoe date, tbblt [.egdGCaetdmt paY rMsoe are aceepiod. eoaPpiiedRiada I,eatlaxney6oldtadiaaapplidRa7da tmdl Bwow0r roses m to kt the LOaeotarsut. If Batrawet does vet do m witedn atuasomitia period o[ time, Under SW ddia apply atoh thuds or rch n diap to Bottum if udt applied ariic, =A feeds wtol be ePp? to ? oehten?iog principal baLaee rmdmr tlro Tfate iaMpodimdy prior m tataetoarta No e#lYet a claim which Btxmwc might haw sow or in the rheas tgaM Larder ",Xdiave'Bortawor fto waking Days duo o_m ,, do blots and this 8eoruity lash-ut or part -Mg ft aoveaam and apomom seemed by ibis Beeptfty hwinrttumt 1 Z• AWles4on of Peytneup.r rrocn,y. Swept as otbtewlse dawn-bed in this Satioo 3, all p W ats accoptod andm"Hed by Lender shag be applied In dm ditfowlog order of ikrlty. (a) iateteat dtmtndee the Note; (b ) pt'idoW due coder the Noe; (e) asoomda due under Se ctiou3. Step p yteeuh shah! bile appbledto each Periodic PkvMmt in to a the order in which it hoaame doe. Any n maioing amodnts dull be aMllod fir! totme cbw^ recoad oy olbor emoanht due ender this Seemity Indrwacok and died to peace the principal bttltmas of the Notes V Leader receives a psrymeot Qom Borrower lbr a deHogoaet padode psyoseee which! tatrled.a s aoft;ent amo®t to pay say late Chirp due, the payment any be applied to the dotissi"m paymoat and the late deargp. Ir more the FCC Periottio Payment u nrrtshodieg, Le>tda may apply any.payment received item etraow to the repayment of the Peeiedia Payments it sad to the admen diet, each payoteot rag be pyd in to To the cams abet any -ccer axirru dbet the payro nt a applied m ft full paymout of sow or more Periodic hymen, arch ==may PartlNylFi.dd.e HplN?bast eNSTiplMENr - iulER$?°?4711? aP?eYraar Form 3p]6 Ctpl Pape 4 of 17 "`v"'• °wM Araw? BK 198OPG454 I be applied to my Jill Obww due. VohmtW prepaymtma droll be app))ed &V m any ptelwyme tt chtoga led (bee as deradbod in the Nato Auy .ppiicadm Uf Papments, ho"WO paooemk Or Nb"lbtasals Preaeada to peinc W due m,dor till Nate IW not vxlend cr poop= tie dal date, ar change the ama of the Periodl0 Pgmw,,L 3. Farads far Zserew Item& Bonalrer ONO Pay to Lender an des day %iod)O Pgmerm are due tinder the Nato, until the Now is paid in fidl, a sum (the "FOW to prov)de for paylomtof amotWt doe fro (a) Was and unsc eats nod Odter items W? mn anon priority over this Sacarhy Imhameat u WN ItX elf or (at Was nd P-Petty; (bT leasehold psyraeats or Vaud teats on the prop". if arty. (e) ptgmiwaa for say sad It inmraooe "ired Iry L-daaaula Section Si and (d) Maigage inmutaaoep gmhM if aq4 or mtyjam, pay.6leby Barre to Lender In Hap of tbo payment at Mw4 fie tnsvanae premimm in aaootdum with rho pmviaiunt of Sr > io. ?Ices kc=aroaailed"Eaerowitemt" At orljlm?li?orattmytimotllatt?gthe rmaftheLaaa,jaldoraoaynyyhe iku ComttiariitrAasnafatian ? Fads, sndApassasamy stogy be araowedbyBarsorvae, andsacfidaes, ton sad assadmsetits tAaH be an Baaaw Item. Borrower shall prampdy fi=nish m Leatlts; ail tltttiaa of sttsopah fobs paid turder ilas Sewiion. Aor QWW slug pay Lender the Rends for Taorow teems l all Lsadar waives Bmmwa'a abltgW- to pap the Fan& the airy or all Escrow Immu. Lender maywaiva Boas obHWm te pay to Fender PUD&ftrsnyofallHaarow*msstanytime. Auyw&wdvermgootylxiowtttigp. L,dcevventotmcciwaivrr, Baoelrar shill pay dimct(y, w4an and where payaWu. dro araotat, due for mw Rutow Irema thr whi * paymau of Foods tear beeawaived by Lenderand, ifLaMarregctirea, rbaH fa,alrh 0o Leodeneeeipq avtdmehtg aueh payatent wldilttPOMepanoduLeodermryregeire. BmtnwnegabHptioetomalmmbpayt cMudio wellrace shall for all pbtpodu be deemed to be a covetantaed agroomeaeowalbed in ft pm lpti 6agRi?Y Iadeomaat, u the phrase 'covenant and aPea>aat" is mod in Sodden 9- If Banawer la ahH?lted m pay fiaCN^M itaas ttly, pttrwpaat io a waiver, Ud Bonoww Ails to pay ibe amoeotda fi1r as BMW lnaa, Lmdrrmay teta+oise its tip ardor Section 9 sod pay stiff amount and Bbnctwu dkdl that be ttbllgated ten JW &c&W 4 b repay to Leadereq stab om mt, Lcndcrmaytnvoke die 112jW as in any ar all YMbO ' Items at say timaby n ualke given is accoula=With Seeded U and, nPon Ewh rave dual B3arrowor "0 pay b Imeiar W Fmsk, and In such alt Gvn% that are flan mqui l d under this Setxtoa 3. Landcrmay, at say lung calleetxadhoidFmde in an aaaamt(a)macho ta Permit Leder to spplydle Farads at au time spaciflodunder RESPA. and (b) oat to excmdthc maxim= amoacd a leaderan te*s under RWA- Lender shalt Vatimate lba amount of Amcis due ca the bawls q( soli da4 and reasonable allman of expWtaea of fist m l sdrow ihma OF othstwiae in acaOrdenee with Applicable Law. The F" "W bcld in an iasdnttimt whose dgrodts are iwmw by a fmlcml agmey, b ben ddity, or =* (m kx&g Leader. if Leader is an ioeRWinn whose dapodis are so iatagd) or in any Foderd Ifaoa Lawn Bank. Loads daH apply the Flinch to pay ON P.wzow IW='no isterthra the Hens speeifled alder AMA. La der dial) net c4aiea ADuewer for holdhts wed applying ibe punk am m* anatyaiogdie mum SOMM , ar verityiaq the Evww items, uni- L-* pays emmwer iDOM on 48 Funds and Applicable Law permits Lander 10 make such d charge. Unlp an Aff-dt w muse in ltd ft or Apigic a Lewi gaiess intarcat to be paid ad dw Farads. Lender shall no be rm*ad to pay Harrower say interest or trum&tgs oa 0& yeuds. BmMwcr ad Lender wa agmo in writing, however, that o t tad shall be paid on the Fun& Lender dish give to Boaowor, without cbarge, w aenual WCOBntlag of *s, Fumda as Rgcmod by IWA. M tbae is a weplnc of Fitldl held in esaow, as deftaii nudes A1sSpA, Lender sh V Wmant to JBOtrowar fir dttexeoasAW&iaaeaadsacawithkWA. if&niearbot%Pcf Kkhe inmmw udefaadtatdwRW, LeadershaH tr,<iiy Ho:eartera respmvd byR.P.SeA, aadBart+0lra'robeHpay tp'ycsdprlixamamttaeaotsaryta makc up the A-taF in awmdat A veldt RWA, but in an more Asa'11 eta ft payrntmta, Ie Mime is a dafrcioncy of YANIA F Fanny dIs Aa Mae Up IM67tiLW M . MM recce 9030 QVul Pape 5 at 17 fllWeaa BK 198OPG4542 Fmxb hold in escrow, as defined wale[ RUPA, Lea ft ebatl ratify BwToww u rcgmired by RBSFA, and Bonewer tfuA pay to Lewder the smmert accessarym makeup the deAcimcyin reootdsimwith IMPA, but to on more thta 12 monthly payments. UponptYmmtinRill ofollwmmswwodbytWsSccrritylmdnmanc Leader thtllpmmptlynand toBonower any Funds held by Leader. 4. CbtuMLksu. Bwrowershallpsyell tszca,ataassaams,cbargds,Saes,todlwpadtimssgnbuhhklp the Property whiob can main priwity cow Wi Seowity ladbtont, )oasbold payments or pound ants on the Pro". if guy, and Co=nouity Association Duey Fees, cad Ancasmsatti if any. To the extant that these items are Becrow Itmny Bom wer'shall pay them io the maamr pmvkkd in geadoo 3. Bo o%- shall ptomPdy diwhap tray lieb wbidt Las pttaity array this Stewity Insbament oalaa Borrower: (a) awes in writing to the Ptyeteatof U obligation samodby On Lin is a manna taoeptebkto X=der, but only so 104 at Borrower is perf rmiag nick ag umotd; (b) tx>nius4 the Ron in ;ood fsilh by. or deft nda agalga m(aeaataoutofihnlies bi, bwdpmeae&ngs wbiohinLcndWs opn" opwnfo proveat ihcmdzeememofibc lieu wbdc chore pmoeedtrtgs are ptmding, but only until such ptocoWkp are eoodu*d: or (c) secwes Item the bolder of the hen an Nponicat mWwtwy to Lander subordinating the lira to thts Smdty bakumalt If Leader detetn bw that say put of the Pmpmny is subject to a lira which can attain Prietityovee this Becntity k3m me d, Roder tnay give So rowar a notice ide ado ft the lice. Within 10 days of the drtban which that notice is given, Bmmnr skaU w6afy the lien or take are or more of the satiates set forth above in Ibis 5ectioo 4_ UndetmayrequireBomwtrtopayaane.tiniodw eforarealeslatctaxrcritieationwW*rrepatingsevion used by header in cosIIeetioa with this Lawn. 5. Pn perly Lsuroaob. Borrower stall keep tha imprvra mrAs now casting or beraaflr aroated on the Property banned apUW kssby &a. hazards moluded witkin the term "t *xkd coverage,• and any other hmwds inoladiag tine rat limited 4h'nrl6gttakas and floods, for which Leader re pb= *mmz ee. Thu WRi mtoe sl,ll be maialtided in $a unoials (including dodaeftle lmda) and fbr the per" Ibk Leader rugidres. What Leader requires paroomtoUpwadiogsratcuceccaechop during diatom oftheLann. 71ditipm ceca<nerproriding tbohtagramsishagMcboKabyBerroNetwbjaattol,andsYa ri?lntodimppto7cBarrowr,'s Naioa,vrbichrigbtdlatl not be marclsedw eascaably. I podetmay. Atka bon w to pay, in awahso ianwiih this Loot, slaw[; (a) aaoo- tinw obarga.far flood moo dabyruindiod, oardScatian and bwcb sag service; or (b) a one-time t harp w flood mac detetmiaatieiq and celtl!lwtiaa sarvicea and sttbsequoot aharga eseh SbAO lsmtpp®ts Or similar rbsogaa oeellrwbicb rc..i+aahly tidght acct riohdeootviiaaNod a ?tl5cttiva, Boer»ver dell elan ba 1Olpopp?te for dw paytacat of any Jeer imposed by the Federal BttmrgaawMk t uwwAgency in conneaioo with the envier, ofany flood zooo determination reaattleg ham an oWaatlan by Btmower. If Borrower fibs to inaiwaio any of tae covetaget desenftadsbavc, Leader my obtain iasatr ice eavcrap, at LmdcA option cod Dawwer'f ula mm Lender is w?dar no obtipsion to pochan any partiewit type, at m m w of coverage. ll mftc, such eovatagrr ftU ovvar Leader, hen might or might act psot66t Barrawar, Besrower+s equity m the property ore the cmtentt of tbs Proptzty, Agahut cry risk, hazard or UsWity and MI& l rvvido greater mr stager act cage 16aa was pmvioridy to eflbct, Bmtrosrtur arlat4wbafgCetbst the oast of the imwetltw coverage so oblair?odmlitbtsi?ificeoflyeaeaedthecadofkugnneathat)aoacowerewldhavet>bfslaod. Aayamonntsdtlbogcd byLeodorwaferthisSectlonSsheAbeooplaadtidaoaldobtofBoteulrerseeiuedbytb SwurhyLasApraapt These amawttt shag bear iaWW at the Note rats tom era data of disbwsamcot and shall be payable, wiIb mohintereat, upon antics; clam Leader to Borrower mWesdog paymicat All imsmaace pa[Wa ragukad'by Ladder and ranmvals of such pmticies shall be sabjoct to Candor's right to diaapprovo prcb policies, shaltitrclade a sbradani teartgage cLwe, andshalt oameLendev as aaectgagoc amd/or u all Parad¦ tiw/ ddta taco lJl FNA n18 MMHIT - Man Do u w ,s Mre.e t4+rrn aOJt 01101 Paso a pf 17 hwtm BK i 98UPG4543 Addifid0al km stmt) payee. Leader shell have the right to hold the politics and mm" cmametca. If Larwepr Xqwyrm 1?pGY g'no to I.eadcr all receipts of paid pr'aniccnaand rarcwsl in4Cw. IPBtxrower trblsJae aq}' form of Waranoc covpwr, out otbomw re FkW yY Lm*, far dampgo dn, or dw mvft o£ the Prop q, VA PoltaY Jbrll include a dendut mottpe olavaa and shell crape treader as mortgagee and/or ss an additional Ines payee. Ia ?he avast of lose, tlorrvwor orbit giro PPt ao to tba iraarroaeo casria and I ender Londar saaynwke Proof of lad if not made Prom ft by Borrower, Udars Leader and Barmw othowin tiger m writing, any rmarenva p whether or trot the underlying fnsmaaoe was required by Lender, dhaB be applied to rowntfpp tepstir t!tuperty,. if the rermsatim or repay u ocmomirili)r Cean'hk awd Legdp?Sh rt nor taw Eagd ac de re torstion 1?aiotl. L day Aall have the right do hold =A kamwe proo"cls m Lauder ipaped sash PmpertY to entbro the vtbtt hue heart M j a astisf dion, provided that such it vectian shell be vedcsp p P ocae? ftr %a es ?? ? rcelavvtiaa in a eiagtw payment or is a saries of ?K Iands, wGuyork is d *moot dis Uttdkn ie made In wAft or APPUaabb L w rogphros intssat to be plied an s mm b inideahee proceeds, under un agr do not b not b t rognbatt to pay Borrower be any k t W at aarnhyf on web proceeds. Fans far pohiic rgmters, ar adw Gird parties, retained by Bosmwer shall not be paid cat of the kneamx prump* and OWI be Ibesate oblool m of BWOW. Ifda7restoi9tion arrepsiriw not ecoowa?iullyGoui6laorLandar'R aacodtYrronldbe letoaaed, Gie inwartrtapsaoeed6 Adi be appliedto the sums by din 9cccr*A*=w#, whunar ormdn dne. with the crease, Ifny, paid to Borrower. such.mum= Ptocaeds"be 90ted In the atdar Provided for In Sootiao 2.' It Hmnnircr ahaadana'the Fraparty, Laadar mey file, mpfiate and settle any avu7ahle imanpce clayn and relamd rruttara. 1fBatMW does not n*ood wtd de.34 ceps to a aodta from Leda thn thalMCUagep urriarlras offred to 3Wb a olden, then I.eeder may GapWate and settle ffie claim 11m 3n-4ay paW wM begin whist Me 'aotlca i6 9v6L In either event, W if I.radta'aagwbw Uro hoporty undw Scotian 22 or otbarwim Btrrowor hereby -sips to LWdcr (a) IlQrrwift rights to spy Ingawune proceed, in an account not to eaoeed the amooa6 prpod wade the Note or this 9oc6riiy btptument, add (b) EW other pfBaenwers tightt (othmffim the tight to myrefrmd of mlearnedVGnu ms paid by Barewer) under all mswapea potieiw covaing dOmp1°tY, iwaafr me such rights ate applicable to the earemge of the Property. Leed¦rmay era the ®o®oe Property or to pay emmeak Wp W mcdsr dro Tiote ar thiw 8ecori? h*venenk Whestc Ps either to to . rlgWie the 6. ?Pancy 13arrvwr siril hothadurnot than n due. °?PY. aatahtteb, sad wsc ilia PtaPetty m Bturowar't principal ieaideace widrin tip can slip, the axataroop of tide Seepeity hteemmedsaat ifhsBaordbnieto acxuPythe P+aprstp as enrrower'e pripetpalteeldepee Arc at Isxsttroe yss.rrellerthe dsteofacafpeaay, hmlestLmderotherpiaea?aain vyrigpP, which aonsaatsbsl) nut tx ntaeemnsblywithheld, arunle66 ?O°?'gof?tlrhich ? heyalW Bapoowes"s aarftrnt. T. Preeervatlar, dlGihaeacmoe sad PraKCtMg srtthe Pnperq, Irspeeawas. I?<wrwver drW pvt daetro dataege or impair the Property, AUaw t4 Pa*arty tv dotariatwb ar ootowt warn: on an Property. Whether or eat llommor ii radd uff in the Property, Borcowar,+fstll maintain the Property in order to pravad ft Property bun d t>aradea iu cwt ?YSSmg ih.vdoe doe to is condition tbdese it i. ddoppipedpprgprpt ty Soclioa S Ihat senor, sr onanaically &='bk Bturower ftH Promptly rapdr die Propmrry if demaged to avoid fi ed= of. the erdaraigc• If itsaraszeo or aundsr+rmptloaptwoeede sue paid la ao®aetlas?vrith diwgcto, ar Gro td®g Property, Btnroww shell be responsible for npddq or radming the Prapetty a* iP7mider bore relaeaed Pfweoods for Goth tmrtwsas. I.unda.may ditbarse proceeds for the xpaQwmrd restOtwpow in a siagie paymentor in a series of pmgmrr payments as the wodr is completer! IPtba insduanco ar? arc sot frtlrrcimt Fr„NS Masrrrsdete M.c UMFOMe Form 3086 01/01 >?a HT M1716 r>aerwwra s.as+?tasr Mns 7 of 17 wit wae'avia'a+ rnm. n BK 1980PG4S44 to T9* atrM00M fire Ptnparty. Borrower is not rclia"d ofBMQwC 's or reskinfica obligation for fire coolplotitm of such rmpgtw Lendei?orits agoppppaYm??ysbltiaa4leitlponsgdLupeoNocaroft? Lender may mgxa the iaterior of the hvpvvmwoN up tqe Y• Ifithastmaaopsblamwae, of or prior to web as Interior ? "i? weh ra.rertbltl rAble LeodrQ taball go Toworriotlee st &a time 0. g. B'erraWeNs [AAn rouse. Borra of MY Aprtcsdea. Borrower shall be in dofwh if, dwing the Laam appliMhon process, pmaonsora4eies•mtlogattbed6W=ofBorrawcrorwhitBonw*Wsimomledgearconscwtpve materially fi* material inflortrutl E'; err irp Offle inibrnution or stdemcnis to Leader (a failed to provide Linder with 00) is n WM the Lap, MataM tcptnsamtsypoa iothide, but are nut united repr cwntallow o wrong BorroweA oocupmey of tae Property as.Bpttpwq fa to, principat raaGlaoce. !. Piytetdlmn err Laader'a IaEerstt M tre and ?m Ihder f Borrower fails to porlbtm the eoveeaoy gad agrar accts mnWeod to dik Seca ft InStrumank (b) 4m it a IgpI (9-h a ih>fetastlnlha?toptaryaad/0rri?,ptttttdarteiaSaomiirytaattm?enc buftu mp, Pte, for eonde,mnWoa or h&ilmm, ter wboomom of a lien wWoh n*y Pdthin priority over ft Security hwMw ant or to enaerne Uv% or nVditioml at (0 Bommer ha ebatdoood tbn pwjy? then Leoder may do and pay for wWovtti k remoozWo or appropriate b pow Lendws i is the Property aid nghts undw firs gayety InMmtmt, h Utftg poteeft akMor vaawatlog ft volne of the ad aoeurir* a Wdr rapairmg the Proptary. Lmdceo acd mtarnmebxk bat me nett Propu ty' secured by r lion wbieh bas priority over this Security Uashamots; (b) qpwir, ? m (s} pY l sny eurpt attorneys' tlsaa t0 protect its iilwW in the property and/or ri0b uodw die in court o?K(imw tag its aecured petition to a bt?nlouptey pt00ee ft gee'" w tbm ftppa ly Maxim but is not limited to. moko repairs, cha%a loft replace or MW up doaa and windows, drabr wier kom h d?6 &c ?OMi to otbw code violatiww or dmtgercas modkmv6 and have mt't erg barAd our or ofl Ahkv4b L ??? tdm nog n under this Scotian P. Landerdow at have to do mud is pot uadbe? d? of 06 ?aier may dx lotion Lender in- rap IIAWty for not taking any or all actions e6donn to d0 a, It is rtpTed tbnt Bepai byLanderandor4daSeeton9dM Woomeaddifiond te&mvwwsoaured this ty 7lhoae king mu &a bear Ittttuat it tom NM trpm fm the Owed tltth mumaw and sha11 be paysbk wR6 snob it wuA upau modm fivto Linder to 8m ewer mgraehng payment. if finis Security Iottrunicat is ep a kawhoK 9otnewer shall fly wdAi all the po Wow of the leave. Bortu%-ebaAaotatrrmodcrihmIsasehetdeatat4nttdim?amrh?p0opygy?pr itsuoolmsneelthelp+eitndkow Borrower shall eat, wWmxd to UP" wdttmp can= Of Larder, All" or amend the ground loan. If Barbra acquires it. fed ddc.to the Property, ft leasehold sae rho the We dhaII not mmrp unles l awl.r & agramt to rho msrge¢ if. Mort.ge,InetrraaetslflaudcrregptrcdMorig?alndtra maooadidonoftAakq*eLoan, Bbrmwer dWI pay tro prodmm tegahed to tr SkWn the•Martp p laahamm,e In elibet y 1, hkelpo I°sms°°a "gOier1° by 1.eOdEt&MCsto be avail"fion; Ik i? , ?vided S=h iostuame and &&U- was to pucd to make eglatatdy deignatad you mm inward I. prmfluou Aw Mintage In-rowe Ply Moot, f cost m*MW vmlant ft &D ? to h' ?O1vwM t ge the littatpgp prcvioudY in adthok from w altertryte ?g+ae mar aeltrimd by L mndcostmc. H Ha tc .DWOo of taeWVII MU11111112 hwuraneeeevompIstotawl o.Bwoww&WtllcoodountopaytoLoodmrtheamogpt offt > when the imiaenoe c0vaaga oeaaedfe be ha efllxt Leakier Will "k use and retain theta reftob a loss reserve in lien ofMatgpp hwxatm Sud doss room abW be nao4ef nd,&1q, PeMNBYI VMNA-Bawls Fan.t rammato Ma.AsyaMid Mise U?rFOrW Mt6t mtJasaMT _ MEA Pst+ a or I)r Form 3038 01101 a draer wam. BK 1 980PG4545 IDaotw?nding the fact that ftLpaa is oltlmetalYpepd in M4 srd t.endershatl not ba xegDbed b ptgBatrawer aey civerw arnm(es oo soeb lots 1111M. Lender e®ou loW ragoirs loss reserve payrnads if h(gFj" mpUtUM Qu;f(u "MOO and tlfr the period doer r ender requires) ptavkM by ohm= sekckdby Lugdw sgWn M°? usso:awce. I*ftin@r4regahsd 1eq"? separate' 0sNP ed psymeoot toward U. prrmiams for mg*od ro dWm sepatstolydlsigumcd P¦YraaMui rowaN ft ptaudumsfar Mof rnalctagthe Larut aad>ygrtpv? was tllkpreodttma rpquhed to oriatsia Mortgage hngeance in e:fbet, arm ° Borrower soon pty 0°4°(retnuk Lsr Mortgage lagbarsec suds im s?ppw)yr ? a ottttyreaa?batweao?H end 10 cler B ioWtr =6 lermimdm ar MUI teminatisu 0 required by AppiirmbicLaw. NO"S in Us Section L obligation to pay iotmM at the tste provided io the Nato MKIPF If Bcarower drrech O OWj m L=kT'(or say au&y dot p ft= the Nato) for mtd. Iaam it may moor repry the Loan as Weed, Borrower is 1mt a patty to Rte F lnanoo. Mwtpp WIN= owlwtedeit tout fish on sit such imanaoe in am Iv.0 time to time, aodmay=i n sumo Wgooetltr whh other parties that sham ar medit)r detr rUk or ndooe lmn. Thane agm meem ao an to mi snd eaaditiooa dial are uha5etory to the mottpgp imY a and Sc other party (ar peruse) to there -Y have msy m gp it mn tc -26 paY-12AS- 5 4W aoprpp of Rmds Wrt the mortppfi somr Asa result is ( (w my MInde titnds chteiiod firma bxxwA premiums} ofties. meats. As po cWm of the Note, saather iru4aq, say reiasmer, thm aaaly,su<nYatiSiiateofmyarmefisr?pjnt,t»""U've(dimetlyoria any p y)wnatmutbatderiveham(armisht Si md.s) apmdoa of Bacrowees pay-edafnr m-tgagp (ewr w% ul whup ht dwig armadiMM at? huorer's nd4 - mdueiog brace.. Er saw. APUBNO t*Vidw that sn agitiata of Wader take ssboro of the brMO •s Sisk is exchange ib a dare of &e prandgma paid to die users, the "capave teidwraoos.• Pmihw. errarsgotnent is Olbpu termed (a) Any such mr emnrb MR rpt ,(AM tiro pmrurm that Berrwnr Ls Opted to py Fa hler4 age lasanaee, ar ui amer tenon of 4e Lama. Such rp+ixamb ww apt lacreasrthe mmooot bDnvwsr wM rum for Mr 441 ImMt mmey "d day will eat ftd& brrrmmr to my rte k" (b) A" sub atreentmts Witt but wb dda rlo(e Borrrwerhos - if a" - tdd flow to fete m 3bmw a ender tha>SrutEortrsrsPn?tlas t et of im WNW eaw inv. Thtaa ri b asq taclYde the t?fthtip to retdn tiwtdo dkelmm,L, in regent and ebpgp GaMlpdog M thS M Mrt?aprLlparuatprmrrm?4outdptb. rtltihr b t+scYvaa tr6ad ar wipp lawm%g% to lumK fire thit wrtr attmaraed at #w tie of mdl cattwwW it unaMmmm aayl?ei yel>tatirUtapfltldaMs N. AiotgumMt M ?4iPeellareaos Praeeadi4P*e t stars, AR Adircellsne= Proceeds pre hereby suArg to and shell ba p dd to Lander. Ift if me rest in &Uwgrd, iaeb Musson ma praeawlsball be sppUcd to mgmntioa a repairofdho PmperiY, rest-tim Peried. Leader sbal right eo ,mebho?d math wm pmft de "h, i"d, I's bad as *pofitnhy to inspect atkh p16PmtY to ensues dto work bas bed complcled to Lenders satia6etfoo, provlded that lmspetNodshallbeattdriuloenprampuy. Londerp?,py,?? ? a in R seriatarprogresi psyahootr u me work it aempleted. Uoksr ?s rersaration to a sinjb Law to i*ft b* = to be paid on sochMiseptlenegra Lodw 4 den +eaerrnt eat b be made regmrisrd to to pay er.Applitab y iutacd a rouse co soelt m'ay >3orrowet say gs 1? Pteoeede. If the rertaradou oa or repRjr is not ecaaoorkstllY ftau'bte m Lender's recmityiroald bo lasremed, the MGceRartsousProeeeds siwl! be appii? trtlmsumsseaaadhytbie8oeutiry r& ae.:lr+.eds - i &M MrtrrtluMEfrt' • P. nmw ems.. Wn Farm W39 01101 Pars a or 17 wwra dAMWO s aes* tztar,.., .BK 198OPG454G ? MIMCnk wbetbar or pot then doe. With the cncm, if any. paid to Barowo. Such btiacml umm Paoceo& shad be applied lb the order pmvkW for io Saetlan 2, Io the craat of a OW t WN& dc&u;dc% or lots in "tree of tree kropCtty, 60 KWOUIRMIll MMMU ahd! be sppUeI to the mm ememtd by this Security Inr4vmmf, whAet or not 6m 4u0. wA ebe aaaays, if any, paid to Borrower. In the ttvsat of a putial:WE& dmirecti m, or lass in valae of the Property in ww* the V* Mai= Valaa of ffio hW": iurmtaldmlybal the pt WA takkta, dpaudkm, or lou is vdoe is repeal to of Smmmr then as smomrt of die rau swumd by tide Secmity Inswunc at kaaaediaWy berm the pmW UUmj dcwrwdoq orlon is vane, uakaBancrtauaiLdndetotlutr?lsesUreoinwrttiog, the.atossecrosdbythisSaemityinehvuteotsheUbs=oducad by the araooat of mo MiMC16Uaotr I'r XW& MVbiplietl by the ft&VAa>t ff otioo. (r) rho ta41 smmat of the soma seamed imr,iaditdalyk*m the pudel W&S, tlcstruWoa, or load in VOIN divided by (b) Ihs fair mtttfmr va ,, of tic Pmpesty ietinadiatalybafote We pattlal talciad, deahwedon, a to: m Vane. ,My twlmcetdrS be paid to Battatfer. !0 the bveat of apmpa) tales, ftstroa tlo, Or 1013 in wire of tW Pmperty iaw" the Gfr motet wino of the Properp! fi=WIatsfy bolero d- P-W tsldm duhoctim or lose m cobra ie Ica tiro the of of the awns saomed homadaaely bafwe the pdMW acting, dmmwdoo, or Iws to value. Nelms llwmww and I,emlor oamwise mgreein writioj, tbeMieoel)tutso0sp'raosatbtorso beappliedtothe dtatmseauedbythls Seourilylna4ptne0twbpt>ut or not the some ae then due. Iftbe Property is abotdedodby Borrum. or it afternalicaby Landu to Borrower dW dw OM ft Petty (y defined is t* next $cWcmee) offer to make an sword to oft a daim fir den sgea, Bmr~ Gib to respond to Louder widlia.30 days after the data the notice is;ivra, Lmdar is sstbwbw to gag= and spay rho Lfto&vow p ooeede adthat to rsetotsttoo or tapair of the Proparb Of toter tmeu second by dais Savity.Um muck irt,&= or not then dam sOppoft Patty" u mm dm third party *at awes Howowet Mip,'tdlutaom boeaode or the party aph at whma Borrower bee a Q ft orsedoo is Fgwd to 1?fmccUm eom preoev . Boao m sbmA he in dclk& if atiy udw or ploeesd4 wbaber civil or mimk4 is beM tier, in Lender's jam, emu tamlt in ibrhkmc of tbo Yra" at other Memel bbpaim mOlLoadws kdmeot is the Pt*Pt* Qrriglr?tmderthbSdoutityim><uowat. BarrawacanatrrarckadeAdtand,usccototwrio0baiaocooed,rsiastate u provided`in Seation 19, by caubg the mcdon or praceedmg to be diced with a, rslb% tbs4 is I eadces jades phrJud6 facfilme of the Properly or odw makrW ;mpaemmt of Lcodaa'a k ft" in the property or rl8hu mfdor Oft Smmity Ipmrtmmot. The pm r m , of arty award or elate Emr damages lbat are mWbutabls to the ®pai nook!of Loadmea W ma is ffie Paoperhr are hft%by aafdned dad than be paid to Isador. AU MuaeUa0eeaa Proceeds that use twt appal torea nvemm at rnpatr of ate Property ebap ba applied in the order psavidad fw in Sa Was z 12. Aorrswer Nat Roleaud; Fwbnrxm By Ladsr Het a Waiver. Fatonsion of the time for paymoat or mods i a0cd of ammdtatim.oM* roans --W by this Serenity Ltdetwneat armored by Linda to Bwmw or mty 5ocemaar in P wCA of Bommor sbto ant qm m to rabraethe Iiebfiity 0f Borrower or =7 Satxassme is Iwtclsat Of Bttrrbw - l ender shall ant be rCgttlred m tsoromeoee ptnCaealblp aghast coY Bucoe? iff httvnst of Btnlower w 10 MA* to ortcod lime for papatutt Of othCtwik moQy MWAWH 90ft of the MM WMMpd, by tbia Seemity SaatrnMent by ttwon oP upr dwamd male by the ar3plost BOrrowor ax say 8atecaraare in IrMrraet of Harrower, Any &A-melee by laulat to am-hing =W rind or remedy 6da tpp, witbawt liatitW% f mdc,% aooopWft of Paymemh firm Ihitd penorts,' or SUCOeston In kAUS t of Borrow or in amonats lea than the ametta lien des, alml nit be a waiver of orprachWe am c m -W of any right of remedy. 13. J0{>*tardBNeralF?rllNq,Crrtptery3ga4cen.rsasda?efao.IWaad BonuwescorataUeaadlipm tba Bwowoej obiiSeRomwdliabiNtyshall bejointwdasvnetal. Nowevmr,aoyB-owerwhoao-afgrthis&cdrity MNNMVANIA-%Z __ ftd PUMF%W elMUMWr-Mtka DpO?a m rom,V39 01101. ken 10 d 17 BK 198OPG4547 Instrmentbutdoes notoxcoulatheNote(e"casfdaait"): (s)tomeipingthisSwuitylndhmae?Orly tomodgag? W and cmcw tim ca s P: 's tntelast M dM property under the vans of this S=nW kdmmon4 (b) m ,mt P-mWh' oblWdcd b Ply rho Mama SwNW by this Saatttity bmtatsoal; aad(e) apses that Lmdw and any ot6, HamwarC& agree to =W4,=ft. f6tbeu or crake say aom modadawwith ragaW to dA tmma of thin S'm ity la+humem cir do Note vYehont thv,m4iPeej consw S*aat to the provisions of Section 18, say Saooessot in IetNO of 8otmwer who morn. M.,.. e. obtigstioosmtdcr"SwwitybMmInent m xddM and u eppcoved bytionder.:bath obtain to oi8amowm's dStU Andbanra >aidar*lSSOCmity)bauvment, liOrtowasballtiotbatotoacedfi0mtlacmvrp'a ohligaSortsutdlisbllity undmthia s6emityhrhraamttailtate T.emkrasias to ntehrokaaoi0 wtitirra, lbacwmaan and agtvaawttaaf that Setlavify Instrument *Q bind (cwwt a provided m 5-smt N) and b=& the srtaatii n and asdpra of Lender. 14. Lim CIMM LtlWW Way Obarye HOMMU *a hr servieasparboo d to cararrcctipo with Ilarrownrs debult, ft the pwpm of p vw*g Lmdm% idaM. io the ftWW said rte order *is Security TasQt4pimf, inol ugi but mt limited fo, attOatoys' that, Property itlqudouand wdi bon fool, U ropatd to arty odat tees, ft absmee of exp W atkhocitYia thta SaraitY bsotrtmmt to cure a Woiffe foe w Baerowtsr Am oat be moshaed .N a prohibRioa a4 $s rh rgiog of mwh fw. Lmtder maynot clu p astbat aro expratlypMhpmw by ft Se,V* ttlatromevt a by Applicable Law. tf &a Um it s abjeel to jt law wbieb sots mudmum 100 charge, and tW law is family Wtaprakd so tbet &a intmtzt car O&CE loan ehargo t aella tedor to be coikated is conaestiots witb ft Loan CXC W the pmu" limik *m: (a) ray Snck IOan cbagc Shag be rodtrced hY the MorDlatf nxmtrryto tedtree the chege to %c permitted U . mt, ran (b) Ma"shady 4014 MCI flom BOMMw which at mftdprmaitied limits will be M hodod m Honower. feddartnaYd=wbMWIt relpedbyradnc*gtbapieeipaloakdwdadre2fotewbyW&S ad;opaymut to Bomwer. If a TdW rodnooa VWdPd, the reductive will be Ucated aM a partial paapaymtmt withmrt my P?Y`e? (whetba a trot a papaytaaptdNage is provided dr mtda the Nbtej, Bonowa'a eeeepuncenf utysuchmJ6d made by di Mpgymmtto Boaowerwill COOSdwta x waive Of any Aft ofactimBmawrgmight have arisin j ost of snob averohaW, IS. H(Mkes. All nptioce giver by Ron nwt at Leader in casuctim wit du Smmtily hit M= mast be in wrifat . Ady notiiex to B"Mwer in torn wdm with this Sscmity kab= t:basil be dw Wto pare iwon gives to &ltsvwer when mu'lW lry Srtt clue mail or whm acbmUy datireted to Bwvwees nouft adtkssa if sent by ot6w meant Nelicetoanyme8airowxslulleoartiptoenotioetoap9armwuawdamApplioabki.awasptnsriytegoires O$Wwim, la notice addmu abaft be dm Ptnpetty Address vales Bw"w has designated a saba*PW 4060 address by notice to Laadcr. B(X,,-wcr slut) p,ompdy nodtj Leedw of Bortawe4 drams of addau IfL 6w TOOM" cbtatgeolttdtkew, Ib+wtBanvnarehatlaotYieprataehaogeotatidnxs tbt+aaglt that spaa+Bad procedure. 7Lere may be Doty sae designated tttttiee eddrea under this Security Inshtmtmt 9 any one time. Avy nodes io LeadsrA4 be divot by defivuiog it or by mining it by first abut mall to Leodefs addrw KWd bts kndM Leader bas delipoWascam addma by 4o8w to Bmmwer, Any oothx m Cuumtim with tbu S CW4 L,aku mt sball not be d OMW to have been SIvm to Londe u ml sdjlytscoivcd by Lwidot. If MW notice raquin d by a&- Smz*y Tusm mmt id MIND. mWbW tinder Applicable Law. IM Applicable law tegatm mre will satisfy fbe m mgtmdm mgpin nor osier the Senmty Tmk==L if. G*V-W g Law; Seve rtbpllyt xtwo of Coutrrtctiam 710 Seamity Im . M d n be V ,,.d by federal htw and de law of the jmWc ionktwhich de t qpq is la0rped, Ap rion and OMigalimts cmftlmd in this exDrity IoMhnmeat are:abject to ray ratvirammy and limlbtloesofAm"blo Law, Applicable Law Migbt explkitly, or implicitly show the ,Parties to win by coobad or it might be sikK but auah silmov shalt not he waralted u a probibltion Mpamt agroemmt by teaottaCt. to tlio My d that my paDVW= car kw f flds SOCM* PERAMVANA,Gkwo P mu" Maramme Not UN" M tNtTtHtMtENT • MERE F rtn 2C" O1A[ Paac 11 of 17 hwIL .M BKI98OPG4548 laabumeot or the Nate Munich with Applicabic I.aw, coral aaeBidmhdl mot efkattl#W PMVbth><a of this Sesmity Instrumcut or fire NOW which can ba given affect witbad the an 8..prvvia(w+ nectar As used in dk Security Imtr®enb (e) word. of fie --,M. Sender chip MM end Mb* ?pngtpondipk Rude or wad, "Furs ttmiemee Vm4 ; (b) WM* WDSWU fell tt W god iochtde the plural turd vice vmra; end (o} the word "may sim eoie ditoreti m whbom any obltga8ao b itdea any ratio". 17, Binrawer's Cory,; Hon wor treff be sum one copy of the Note and of thi. 8ccmity Imarhmaht is. Timster of tm Prepwoor a Baafleiol Imdarad Is Borrower. Am axd in tbk section l k WIMMW is to Pfopu y" mean' may regal or beneficial Went d k the Ibapaty, iaehtd(116, but to f;mitod to, trace butt McW mk-ds h-sf and in a bend ft deed, tmaueot for deed, ko tomulm contract or esm ow ogre meat, the latent of which Is iro ttsrtsfbr of title by Bww# r at a hem ,daft m a Pumbe r. If all or any part of the Pmpgty or may Intotwt in the pro" im wW or t mmafbrrsd (or if Borrum is no a thatttmel pwm and a be mtf*l fotmeat in Bwmwer is add or trrmt mM wiftm Lerdei't pri«, wftm eanscok Lcoder mayragoirc iminleeiiatepaymard in W of all emmaecmadby thief Sot uritybovmcm Howovet; this option dull oat be;amnclaed by Leader if such c malu is ptuFa AW by Applimbla Law. If hander a=mckas this opbal% Landord4 Sire Borrower s"al"e of seodaxetaa. The nolloe "provide n potiod of not Iese than 30 dILyS Aram Imdata the soda it given in acam*noawith Section 13 within which Bumper matt pmy to sums amazed bylhit Sccm* Irwkmngpt If&tf wen fails to pay'flmsesorm prior to the taWketim of lhie period. Leode:aeayinwoloc nttyarmadkrpsmtlttedby dtia seatrkylettrhttaeatwltbont ftrrmer rtotlerardema„d on Borrower, It. hula"war's Ilight to RdadWaAltsw Awdumft6 If Hpnppor MOM oniaittcoWitioha, Bopywer tAtali bffn qto ti0d to Imve aalmeaieat of thin &C mity instrltrmat dfrooNimW at any time prier to the eadit oe (a) Ave days Wroie oak of to Pmparty purrunt to say powe of We cmdinmd in this Security Ima"amnt; (b) aaeb other period ore An&*blm Lowtuisht specify fix tic ttamins6on of Houiown's right to raiawatc;.or (e) may of s judgacnt ea4wvlrg tltis 8eomity in.trmmmt. Theta wsitiow as that Hwmtret; (a) I+aysl.mder a1{ ttlmr wltio6 thahwrrldhadremtderfbia &aclaitYlrrarpmegtetstthsNotre es i£ao.sacalerel(opbedoomtmed; (b) eotorargrdebnk of myoderc ovewntsa egramwah; (c) pop A aowmmiocmred is eatbt t ft Seawitybltr moenl, idabulic& bat no Smitad to. maaMUs aftorueya' thus, property itupeodea and -luagan U; sad other &aa iastrred fat the tmP"sa of pmh circa I,mdm's mfaest it the Prapcrtt and rmbb under this Security Imbumeal; cod (th takes arch ecdoaul eptmxroay rm±o=Wyrcq*cto eopn that l.phdwi idarrmtin me Pleangty and Allbs ml 11rdik8acunty Ithtptamtmt, sad8anvwm'a oruSstibatopryl6eaaa+eomredtrytldmgaenteilylwframoae, eltslltmat6auouad Leaderm?y m "Its d1rt]3or WAW pry twalink tateateatMm end attpetraa is Omar more mf the fdlawiog f nmi, umbotedbylandm: (a)oaslr(b)mmeyQt*(t)oenf6addm*bm*dmak,trwrmeraobackormW,iarsahacr, prw#idcd,aoy and obcu cis drown upon oniopitdtian Wiscom dbpasik are im uW by a fadmrl mgmoy, imrm uc li or entity; or(d)F.IThouieFvodsThosEw Uponrvimkl®eth gcemav,trisSecmitylesrummmodoblipions sechm"d icrdhy shall rmeia, dully otfwftn u if on 1ee014stimW ccomrad. However, tbit rigrt m m+eita.atta stall not apply iq the eaep cf mavdandian under Section 1 & 20. Selo sf Nara; Chop of Lou Bervlearl Nmfu of Grkvarce. The Now or a PsnW interm is dre Note (tusethrwa?hthir seahrityin?mt)esrtbesoktcaeormoretie?yridrqut result m e dLeaga is the aatity (known w the •i.oma cda ore mtr mrawrr[ do. A, etie misfit and thi6 5ecuri Intrumeot tnd• ? tit aoffcem Pviodio Pt PeYmme tends the Note ty perfarmm ather martgsge lore rcrx3ng abliptions wK?k?r t,hr?e ?Nak, *b sorority lumvum t; sad Applicable l: aw. 7bato else misfit be tma.or tttere ebw w of the Lou 8erAm tm datedm auk oftra Note.! Iftilereia a rb mpoftha Lem iler*w, Bmrower WE be Jim written noffm offfta dbeWWbIchwilt state the wine oW address of the am Laer SwAm. the addnm to which payments sbtmld be med®d say other Ffarm 3 ?0 0l p?a WOW "1111JAt - M6p9 m+ tiM asaurran WWW. Ngs la or 17 IOei •tlOm+ rs1ma.., OKI980PG4549 intomttivn RBSPA reyoircs to conum,34m with aootlce of trtuafor of tervictiog If the Nom It cold and HaveaRor t0tlotmw +etvlcrodhy+Loep Betviacomerlh.aWePntmiyaaoftbsNooh dWmottpj,]- gdajSdoot erwiU rmusin with die I.om 9wAm or ha 41t h and /oa mmom- Lam Serricm aed aro not asamed by the Nom Pmt mdON 09tawtse provided by the Note pachaaer. p? d ? m ow may ?mWa jotn. or be )oiaed to Any judioiol action (0 ciWxan individual li ' ) that sign km the elha alicam m(beoyx?pttttyhasl bftmc4reachw 2W F-WOU PWO''j> otuP?entoethi.Seouritylaea'.dn'that mtii soh BdrrowaorLend? Had dm other Of. OF R q f' ? by mason c4 ft Sectuity tfldtru< m mqdmoacoft unfeotientommatorLaodd?hraahead I+°t'(withsuchnotcs tvoofnwmpliltpe?Fm office to tabs corrective or If tided the utber Party hoot, I mappable period A, the giving ofaacb can ba actim period will kk Law provides t time WW Which mat dmM hem CWUft aotiop 4 that dme p to be reamenabte A, pimpom of this accelesatiom: and on mtunityto ants gib to BOQ'01m Ptaaoentto Soctioo 22 and ft notice offaimicra?' of 8- eptJpp' WwSCCdDo19AhOlbedoomod#Qud 6mngieemd oppmhqaih, ve acdm oua offis MW- defined . to ma d hrLr wm As ? in tS gO? 21, (a) "gam Submnce3" sm dw" pAWADC% dmfirA e. Ic16Xk or ecar so th?ft at ? by ?°pema W Law mdthe W" mbabrce- maliakeoa mm Mgt Awg toxic Pew Pmdocte, Imdcpaedcldetandbmbkfder, volatlksohagk l+werialt waofthejpr b-ft t e'er md&Wx(b)'F,rv ILaw"metafademi (o)"and14ometh " P1O?yistowwdmtrwmtohceltb,salbtyorWAmOmedW tW melnd" any -ram aotio4 mtnediel -do; as m%ad in &tvitonmeotat 14w, and (d) an 'ftvkombcnw " AINni and of tt cam al' C80? a +?didon that fagt auk c0gtn?rvta to, or Whawisa tr W is tW Clemmill, 13prrawer shill ootca`]N OW parmitmeP , me, 41ap0r4 rtat>, A of rttleeN Of any Humdom SubdaDws, thrgt m to edam any Hxu loos Suhauoc% no or in the Ptopmty. anyoom to do$nvaen l Col ffwft Me Pinp:rty (m) do is in v „ of ip ? I.aw, (h) ? N ddon, () w due to the peHemr, tae, or tel ate Of a $ttetdga W=&4 as craning e P' ditto d or ersely Affects t? of al so p1mity. rm ptgppdke two scaft m amdl??p W apply to the °on? 9 a+of3luudoaa to be h? a?pPropNrta to not at rasidendW v and to muintenaW of the PmprpI, fgc,?& bit; not ° n twusimox t shalt Prom" give Linda *T*m t lk= of(a) any Winn bysul'BO+' lortcVL¦bryagedfyorpmMSptutymvdv dmPr?ooppart?ya4ed . Stubbotam limitad??apaaomlLawofwmeh waha (bl Y? aptaiCandi4oR Imtodingbotnot condition COW to, soy rPilliGd, le.kurg, diOub tgs, reteasa Of &W of edesa of arty HPmdoue Subamoc and (e) any elf Hor by the prmenac, - or-kdm of &Ramdoos &hg nm which advp?gty slates: the value of tam kunc ar 'is =Wind by any govwmnq d or repdammy iw ft*. or any Wvam pally, that any removal of other reondistion of any Ruud= WNtame acting the Ptopc,ty is nmomwy, Bomr x shall P'm?y tale al(aeaessth tepsediat eeeaoa m aeoo?w? Rarh0ttm obligation oil Leader for ao ravkvmnomal Llob*. ettht Law. Npthutg heteiu shall aaatemy NON4JNIFORM C0Y13UM. Borrower sod Leafer 6rdw aovmani and agree to follows: 22. Aicelarattm; RawdkL Loder d ml pve. petlea to Bornnnw prior to avatar ax fa Borreret'r3raacb of auy aa.pster agrsema? Mtts tleeutiq Iomtsment(p*t gorprlmt+a+feknttopgagrtw* Vaa.r?andddre do u Fhrrnr 2WO 01m tMtb?M?tlNatMlat[!KI • iNEflS rxclwy?a +oaaaaryu ttranp thga 13 or 17 OKI9801PG4550 (0) th. It a AppB w providaa ot6erntae}. mg* UO&VASH (R} tie dope rMlll(M to GWra tie defy (c) Who t#t dRIg1e tenet t 1°?4 Miat m tallura er care IMe drfaWP su M WK, and [d} eat f. (aredNara *-tiw my eaten in epe hms, of lie bYJ?dM'+0. a•amad of n dalkii to rebyta? ?? ? Pirppry ? M ofa delmtlt or m atly qmMk4 L• *der at Ut t atld pl dW*Wt it rat cured t'edrrra, If Ilahr?aaatMtlaaK ?yrt M many tie d ro ? I P4ateit Im " of all mw SWIM d by SM Se" 'iMl Nr l4W tq .hero ? r?P?ttilrereRd i ? r 23. IWelltt. ttppnA!YmelstofaUupb<t Pamlll+dby AWU=W IAW. estate cgmvOcd sb&U tnoinato and bwome Mo hY>bW SOOlvity Lam, t111I $eow* pmt end the iP firs roedtioaoota. '? '?'tbthis ia Putted nildar Appfie¦blo LA*. P°? eelYa eatvtdp _d the is 74. Waiters Bortowcb P?titted bYApptioe6le t11P waive and redtaaes anY orsor of dofats is pace vW to Itlhtco MW SMft PMidiat fw "Y of air Mflooq c??n iam bomZk ' of aaY pre.rot or tM l c"?°'4. 1 ', fovy and seta and W homaat W ea. 15 RidaMatemoatPur od, BmrWMA time to ngbd- oProvided in tiestipp 19 abaft extend to opt Lour pope 6PiwdkmwM??R u R ebaifl'a $lo tlr atbet eRk ptaawne to thie Beauily JtMtrumegt aoqubn title to the Propatty, bmum d dto be i? by m M..titY ?otetri ie toot t0 rnwet to Z7. Yptee+[etRrh JraftmntR gatratter agtgas that qse paY al?? ? ?? nn the Note or in an action bf wArW* lbre kwm {bat) be tho ode PaYtble fineR time to titre mm* 1he ]Vote, IMMMentr • MEM omft* Pace t4 of 17 P.*R.m DR 1980PG455 I H V o"I NG.Buaw Hamwnr umpG aw Weer to tha # am and ccveaaot: fto* ed in 1w, sm* hu4 moat and ift"Rider exgcuw by Haromot and room4w wio k. HOr R TAXhT A LOUGH Poo •Borrgwer (Said) ?c •Bomswer (SOW) .Borrower _. (SW) -Bo-nm -Borrower A. mpi wibm - b? W, Airo? IINWRM INSTigJMFN7'- P#vr lE Of 17 Mtn AV"4plja www BK 198OPG455Z COWONWMTIi Op PI3N IMVAMA ) cmimy OF ) 85: tha Anders}gr,ed olifca, Pa dlY oppled PalaiP LOUGH, SR. AND TUX14 roam tmown to rtie (et:ntiefictn?IY provai) to bo du e:,d ackdowindrw thae xacuted dm p wowHbcd , to the within he?hament die low= 'n wgw- wlu+ooY, I hereunto set my bead end otrmiet s ,tL COIN ONWEALTH OF PEIVNSIRV IA Nowm @aa M&k W. ?N' ffQw? ?'uf'11Nft?Y PuOdo mpfst Op, BD,, 3007 Memer., P--OM W Alimckow of NMI, (Ndays stamp end 8lnhoeser) Fn?lle M?IFedrNANIA-Si^ 046RM IN8TgI1MEW . Parrs 81138 Ol jpf .O. IA of 17 wwralwe? raar,rr BK 19'8DPG4553 MY eomiesion mcpim: 10 Z fD 4'? Certl![eit?e of 1L•?eaa of Mortrervc?, the M ? wrsby' coo aftes that: (i) hdsbe it the Martpkec arthc duly eutbpriW spy, of koo of at a named in tbo *mlla hok went Kid rill MartgWes peoeise roddenoe is: P.0 BOX 2026, FLINT Id 48501 .? r Wi4w= MY hand tbls ( ddy of +__-C?w .? ?. C CIa x- MMIF NLMeelRddb re UMFbAM NOTMMAIWT. Mm MC??+wr+a+ast Formal aoioui ?'eee 77 of 17 Fdim - BK f 98OPG4554 MIN: -100090711070100947 J.0an Nt nbert 1107DIO094 ADJUSTABLE RATE RIDER (8-Mott LIBOR West - Rttttls dtsps) (Aeafsrnebie during Ufa of Login) lint Ruskwaa Day of Preoaft Month Lookbaki THIS ADJUSTABLE RATE RIDER is made lute 19th day of JANUARY, 2007 and La ivArpxwted into end shall be deemod to weed od tatpptamut the bimtga A Deed of final, or Saearlty,Deed (the "Stun * kdrunwO) of the woe date Slvvo by the uodasiped (the %wowle) to ac-c ft Bcuawtfs Agjustabie Rate Noon (the Moto") to AMIED MORTGAGE GRoup, INC, k PEMSYLVANIA HAVAI1iG CORPORATION (the "(.dddoo of the scone. data and covocing $Ie propwty dwribed in the Sa,atity l pj odd locaW at 1182 GRERNS$RVQ ROAD, NEWVnME, FEWSYLVANIA 17241 T= NUM CORTAINB PROYMONS AUMWWG FOR CBANGIS IN TSE RfM= RATE AND THE MONTHLY PAYIIf)tM, THt N= I.1 T& THS AMOUfrt' THE BORROWER'S VT RATR CAN (.'BANGS AT ANY ONE TM AND THE MAXWM RATE THE aORROWER MUST PAY. ADDJTIONAL COVENANTS. 1. d& = to the oavenu is and agmeamnts made in the Secwtty 1-wmwt, Bonour and Lends fi ffam maim and agree as fcilaft. A. INYEREST RATE AND MOWNLY PAYMENT allANM . Tho'Nma p nidu for an tnidd inWou imp of . 8.375 X. The Note pmvkw for obwgcs in he intern rate pad tho tvoafhly paymma, as follows: 4. (NTPREST RATE AND Mt3IYTHLY PAYMENT CHANeES (A) ChumpDates 7ba; ttttesest nste 1 ws7i pay toaY cWmge oa ttlo I st day of FEBRUART, 2009 and may td,ange eo that day every sbA mouth thaceafirr. trash data on whieb vu in ww rate could cbpngq is called a NAsap Date," (g)'Tue.4dex Regimothty with the am Chaego bate, my inhwak rate wiR be based on an h:dex. The "lndex" is the sit month Laodoo Intrrhaott Of rcd aaW ("l=V) which is the avea" .of inrorbank oif iced rata for six-month 115. dolhr ft=lnased dcpadU in the I.o"mnitet, as pohildted is YU wapSb1W.1 mud. The molt tzcont Indetr 8gare avaiLbie a of do fast bwinaaat t#y of d a mmdh immetbiesaly pfoeoding the Man* to which *a Cheap Date accetp Is oallad the "Lwmt ladeal If the Iedex is no lager av-Iablq the RM Holder vil) ebom a now index wbM is W3cd upon comparable infotmadou. 1'ie Note Holder will give me notice of" eb*.& Peas 1 d s eenssr ox 1980K. 4555 CC) Cidmlasa'o(Chaum BeRuti amh CIMMp Date, the Nate Holde wia osleahtte my neW interest me by ttddi0g Fr. AND 375/1000 the CtatM Indcx. Th Neta Ho(da will then ttmad the &geadditilm to the =am 375 of Cne lmezAmp Point (0.12ft subject to the ))mitt slated in SK*Iuc 4(D) below, this rooadad mamt will mY new atmk ate 04 the nemd Chmp Dtde. Tbc Nora Holds: wilt then dotemdne the mooat of the m.tbly prymm that uwM.be arlBeie or i the 11TAId gWipd *a I Am e>?tad to owb at the t3W Date iu !Wt m tho matarity date s2atmatoy r4eld my nmoia>?y you eac city cones PaY M. 717te result ee t4is oattcoLeion will be me t>ew ttmaaat ae t) Lmiu on IatarcM Rate changes The i0tmeu raft I am ftqoimd to yay at the Ent ChIglp pate win not ba Smgttr than •I l . 3 75 % or less than 8.375 % Thaea4ar, my hgc mmt n* w71 nave lx unmated or decreased oo wW sirole ChaogaData by morathgt On AND 000/1000 ( 1.000 ',?) Rom the sate of mtnert I Gave heaa P?Ylae for the mWoutw mks) intereat rate wt11 nmror be geater than 14.375 'K. Drocedrng Ms nromhs My Ivry idwcst rate will never ha toss than 8.375 'K. (c) ttfaadva lkta of C"cr MY new is M t true WM beoom* atl9Ctive m each Change Date. I win pay the atnotmt of my sew nmilitYptyumad CURIM age the m Wypsyttxot data aster the f sage Date ttntll the mamttatttly moaWly •p4maut (F) Netlem of Chances The Not Holder wilt dalivtr or mail to roe a natim of auy ebangas in my imerad nto and dae tensest o fmyMpgAMyQaymotNbCkmtheellipativedate ofeaychaaFa 7uuoe WAliatludch0xmationmgdred bylaw to he givw tome and also I om bava rogAnikg the notke. the title sad talepiweta wmnhc of a parson who will ? ,,,y quedion r B. TRANSFER OF IRE PROPERTY OR A RMIFFICIAL MERMT IN BORROWER Sectian ig of the Semrity fivtmment It mumdad to reed as tbllom: '7riteTrawhr P the PMM?ty or a Bana(idd Iatera2t ht HermwwaY. As egad is this tteedw 1 s, I laftd to, those any kipl or be-fieial btasd is the Prop". kdu ft but hol -W coahaot mh-M trot kord to a bond *r 404 em act for doed. rrmw w monC the WW of which is the safer of title by Bonuwcr at m6c dato to a pmchaaer If an or any pact of the Pmpar+y or my 1Alrarest is tha property is sold or humOmd (or if IImQWat is sat a nawrai P=m and a baaebaial tnto.eatin Bmmaw is told or handdertd) wtWaut LOWN's Fi-N teo.croscut, LAW- NW.*c immodiafapaymaot is 6M oifmll sums sc=w titsatrkYto. FIOweVCr,>h)a.r,,,,.+atrllaatbGaltefaisedhyyOndC/ifeaCyOXerolaa to hyAppliaabk Iiw. Laden aLa t#ta0 as exatpi?e ? ap4ou iC (a) B'e,naas suhmittod to Under (0farmatien required by Law* to atnioate the it kn" hvvasfaaa as if a rim loco won being made to the traoaferee; sad (bj Leader mammMy drQam nhm that 1.exkrY sfti or r au* will io the fi*PKIM bY ihc ku Mug" amt that the rbdt of a btanolt of may oovcmm K hAmn am is umptame to Lmder. Papa 2 of 9 U4MA. OX l 98OPG4556 Tb dte =tbat pemined by Applicable L?w, Lend0r may ob+gV s rauaruble feo as a condition to:Lopdet't c0ustat to the foal sa3ump m -Y also require the assamptioa 4P=Rcw tbm is aocy,tablc to Loader wad dun huam a to sign a obopw pcoaiijbs wad agnre mods made in the Note ad la this &cmi m the tas 80°0 wowe is heap ell the eWM to ba abliptcd under the Note and the S&urky eontia writing, ltnsttuoteat *cm Leader releape Borrower in s iPLaederaxccciaastbeopttonbnrgairelmmedirtoPrsYmaatiaEill,Leadashall nonce of accaie wim The oodca dmfl p aide a paW of amt I- am 30 days Gam tbs date tre rw ft is given in nocordamw witb 8wdw 15 wwa wbioh &nowRw=mt "Y au mms "co nd by tlds Seemity buirument iEBatsehu? fails to pay bless sauna pior to the expirdie t oftltis pnxiodr Leader mey invoke any remedies pormittcd by tilt Security bmatttmmnt dcmmd on Borrower. MOUt Alttber notice or By WONM SS[,OW, Borrower -apts wad Mmm to the lerau and otimmtc ooptabnW m this Adiwtable Rate Rider. B8 TP IlGli SR. (Seal) -Borrower TB"L l< Lt]0 H ( ) -8asorver _..- (seal) -Borrower - (W ->r (Scid) -f3orrower .w (Seal) -Boffowcr pane 1013 urim,u BK 198OPG4557 PREPAYMENT RIDER Loan Ntamber: 1107010094 Date: J7ANQARY 19, 7007 Bortower(ti): PHTLLxp I,000B, fill. , TAMAI A LOUGs 2007 ? PEDS PUPAYMEM RIDER (the M in is made tbls 19th day of JANUARY GO Mo tiMc. Dead of TO' I and is Iocarporated WO and Shell be deamcd to amcod and wpplamwt at ?' to of m Deed (the '&?ty kstn =I of the acme date given by the lipud .SLLSEb DIORTGAOE amur welayment of Henwda ptomiucry note (dw 'Notc") in Rear of CO"ORATION GROUP, INC, A pERaTBYLVAHIA BANICxNG InettuttKtrt eaetmbers the Property mote tpeciCuxlly descr46ed 1A the 5ecority 1-U ment and located d 1182 GMVSPRING ROAD, NMILLgr PZWSXLVApIA 17241 paapap. A" : ADI)MONAL COVENAI!tl'g. In addition to the earwmts sgreemand made in the I"fb'bMenk 8otmwer a,tal Lmle r ikthm ecvaeatd and agree as follows: Security A. PREPAYMt'iV'l' CHARGE Vw Note pmvidea for a, PAPWA ofa p epayma,t chain m follows; 5 . 111ORROW91rb RMT TO PREPAY: PiiRPAYMEIYT CF GIF I b?ve tta right to hake PRYWA a of PriAL*l at any timo beibtp they ma due. A peyment of Prineipd only is known as a aP a Wbe n'I make a N"Yruent. I W tell the Note Holder In vmdo$ ant I amt I may not dedpRte to PWmeat u a Pmpt ownt it I have ant trtada 811910 moa tly Payer due udder tba Note. The Nato Heider wrausc my ktep warn a 6ort11l" the mom crhmcipai tbat I owe ttador no Nan However the Note Holder may apply MY Propaytaent to to " MMuepafd bducd oa Qto Prepayment zmmmt, berme appft my hq- ment Prim w amount ores Nobs. If t make a partiel Fte mmsnt, than will be no dxyw In the doe data of my monthly payment mdea tba Note Hokigr apm in wAftg If the Note o0obdus provisions ihra vtaiabla interest rate, my patdathgmymatt m q reduce Oc awoo t of a y monthly psymwth after the first amp PNa following my P8z0dYroPvmesd. However, aoYrodaethoo dun to my partial h4 yrmc a may be claret by la in4erost me inciuse. If thin None pratrida for a variable itttaeSt rate or firemen cbarge. and the ift"d rok or imsoo chtltge at nay lima exoaa$ the 1 fi71116A ander ?sTIS7'ATE tM{?AYM?tT teDet Pans 7 of 2 ?' aeon a >ww. " auasq?..? 14-W IK 1980PG4558 whtoh a Prepgft d p-kY 94 allowed. tben toe Note Holdef's tight to Access a Freprym-t pmdty will be datatmioed tinder vphc" iaw, If within TNNTY-FOUR ( 26 ) madly dwa the dw tlu Security 'IosOVO d is attommd I maim a thlt Ptepeymmt or via or mm pAttiel ppepeY . and :dte tOW of OR mAh Ptggymmtg in uW 12,moa* Pertad axe=& hm q paeceat (20%) :of the mi*d hinew --m oftbe loan. I win PsY a %Wymw t logo is m Amount equal to SIX ( 6 ) roathe' rdA- mhffect 69 the MOM by which IhO toter of my pcapsymma withinwy 12-man& period exams twaoty pot (20%) of the m*nd PtYacipal amutmt of the tam 12ider8Y SIG74?G BELOW, Ronoww wwpta and agrees to the t=5 acrd Ws ions contained in this , (d) se.1 PRICEY LO i SR. -?onawx TAXIr A wma Bmmwar - (8CII) _ (Bed) -Agtrower -BOVower _8 (ENO (Sw) Borrows MWATE PREPAYMENT RIDER Papa 1 of 2 »wv-rtb?aa m w»K U( 198OPG455.9 ALL that certain tract of land situate in North Newton Township, Cumberland County, Pennsylvania, bounded and described in accordance with a Plan prepared by Rodney Lee Decker, R.P.L.S., dated June 8, recorded in the Office of the Recorder of Deeds for Cumberland County In Plan Book 58, Page 1091 980 and BEGINNING at a point In southem right of way line of PA Route 641, at comer of Lot No. 20 in said plan; thence -- alOns? Lot Na. 20 South 0 ?Ipn?waa 9a Min-0. - nn a., ,?? , .. a.,.. ^^ - _ ?.y. ??•?.s n,..,dN7:: v;.:'...:wfft r¦co' 1JVV.VN'1tMt to d punit at Lot No. LVj vnence Stjli along Lot No. 20 North 86 degrees 34 minutes 05 seconds West 150.00 feet to a still L No. 18 North 03 degrees 26 minutes 00 seconds East 330.00 feet to a point; thence a ong so thern ri& ofgway of Pa Route 641 South 86 degrees 34 minutes 05 seconds East 150.00 feet to a point the Place of BEGINNING. CONTAINING 1.136 acres and designated as Lot 19 of North Newton Manor. UNDER AND SUBJECT NEVERTHELESS to the following building and use restrictions which shall be binding on the within described tract of land only and shall not be deemed binding on other land of the Grantors, with which building and use restrictions and within Grantees, their heirs and assigns, by acceptance of this deed agree to comply. 1. No mobile homes are permitted on any lot in this subdivision. 2. All residential structures shall have a minimum of 1200 square feet of finished living floor area. 3. No licensed vehicles, junk yard or junk cars are permitted on any lot at any time. 4. There shelf-be no stockpiling of any material except firewood on any lot at any time 5. No commercial farming, BEING the same premises which Kimba, Inc., a Pennsylvania Corporation; John J. Fox, a single person, Cinda L. Fox. a s(rt le persari, Harry H. Fox,-Jr,. a-single person, Anne G, Fox, a single parson, and Harmon Graves Company, a Pennsylvania Corporation, by deed dated June'26, 2003, and recorded. July 10; 203,.In• Cumberland County in Deed Book Volume 258 at Page 297, granted and conveyed unto Benjamin F. Garman and Auralia 6. Garman, his wife. BEING KNOWN as Tax Parcel # 30-08-0597-056 I Certify this to be recorded In Cumberland COUnty PA " Recorder of Deeds (8F007.00100_PFLVSFC0?.M100J41) Bit 1980P 4560 0 0 MIN: 100090711070100947 Loan Number: 1107010094 ADJUSTABLE RATE NOTE -Month index - Rate caal (Assumable during Life of Loan) (FirstD Business Day of Preceding Mond Lookbaclt) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN My INT&RZST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS TM AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIM AND THE MAXIMUM RATLr I MUST PAY. JANUARY 19, 2007 BALA CYNWYD PENNSYLVANIA [Oahe) Iciw [swnl 1182 GREENSPRING ROAD, NEWVILLE, PENNSYLVANIA 17241 Vl -Perty Addrest) 1. BORROWER'S PROMISE TO PAY In =turn for a loan that I have received, I promise to pay U.S. S 141, 52 0.0 0 (this amount is called "Principal"? plus intarost, to the order of the Lender. The Lender is ALLIED MORTGAGE GROUP, INC, A PMMSYLVANYA BANKING CORPORATION I will make all payments under this Note in the form of cash, clock or money order. I understand that the Lender may transfer this Note. The Lander or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the 'Moto Holder." 2. INTEREST Interest will he charged enunpaid principal until the fall amount of Principal has bean paid. I will pay interest at a yearly rate of 8.37 5 %. The interest rate I will pay will change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note Is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Tlme and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1 st day of each month beginning on MARCH 1 2007 . 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 he applied as of its scheduled due date and will be applied to interest before Principal. If, on FE13RUARY 1, 2037 , 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 matte my monthly payments at 7 BALA AVE'. r STE 108 r BALA CYNWYD, PENNSYLVANIA 19004 (B) Amount of My Inttial•Mentbly Payments or at a different place if required by the Note Holder. Eneh of my initial monthly payments will be in the amount of U.S. S1, 075.65 This amount may change. Page t of 6 (8rr2D net Aj tH1S 1S ,??R??O FXpCj 4? QF ENE P?R? &hi # bo io)l ? ` ?? ? ? ? ? i s (C) Monthly Payment Changes Cbangas in my monthly payment will roflect obanges in the unpaid principal of my loan and in the iaterea rata that I must pay., The Nate Holder will determine- my new interest rate and die changed amount of my montbly payment in accordance with Section 4 of this Note 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1 st day of FEBRUARY, 2009 , and may change on that day every sixth month theroafter. Each date on which my interest rote could change is called a "Change Date:" (B) T!K Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the six month Landau Interbank Offtred Bate ("LIBOR') which is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market, as published in The Sall81reet Joumai. The most relent index figure available as of the first business day of the month immediately preceding the month is which the Change Data occur; is called the Current Index. If the Index Is no longer available, the Note Holder will choose a now index which is based upon comparable information.: Tire Note Holder will give me notice of this choice, (C) Cakinlation of Changes Before each Change DAM, the Note Holder will calculate my new interest rata by adding FIVE ,AND 375/1000 percentage point(s) ( 5.375 a/.) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subjeotto the limits stated in Section 4(D) below, this rounded amountwill be my new interest rate until the next Change Data The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I on expected to owe at the Change Date in full on die Maturity Datrat my new intamt rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not he greater than 11.375 % or less than 8.375 %. Thereafter, dry interest rate will never be increased or decreased on any single Change Date by mare than ONE AND 000/1000 percentage point(s) ( 1.0 0 0 %) from the rate of interest I have been paying for the preceding six months, My interest rate will never bE greater than 14.375 %. My interest rate will never be less than 8.375%. (E) li ffective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount ofmymomhlypayment changes again. (F) Notice of Changes The Noto Holder will deliver or mail to me o notice of any changes in my interest rate and the amount of my monthly payment before the effective data of any change. The notice will include information required by law to be g the iven not ce. e 'and also the title and telephone number of a person who will answer say question I may have regarding 5. BORROWER'S RIGHT TO PREPAY ** See attached prepayment Nolte Addendum. I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will toll the Note Holder in writing that I am doing so: I may not designate a payment as a Prepayment if I have not made all this monthly payments due under the Note. Pape 2 of 5 myna"., r i I may make a full prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that Iowa under this Note. However, the Note Holder may apply'aar Prepaymant to the accrued and unpaid Interest on the prapayment amount before applying my Prepayment to reduce the Principal amount of rho Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payment unless the Note Holder agwas In writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate incruse. 6. 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 two charges collected or to be collected in connection with this loon exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amountmcoossary to reduce the cbargc to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be ref aided to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by malting a direct payment tome. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue payments If the Note Holder has not received the full amount of any monthly payment by the and of 15 calendar days after the ditto it is due; I will pay a late charge to the Note Holder. The amount of tho charge will be 5. 0 0 0 % of my overdue payment of principal and imtc=L I will pay this late charge promptly but only once on cads late payment. (B) Default Ifl do not pay the full amount of each monthly payment on the date it is due, 1 will be in default (C) Notice of Default If I sin in default, the Note Holder may send me a written notice telling mo that if l 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 awe on that amount That date must beat least 30 days after the date an which the notice is mailed to me or delivered by other means. (D) No Walver by Note Holder Even 14 at a time when I am In default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in fall as described above, the Note Holder will have the right to be paid back by me for all of fts costs and expenses in enforcing this Note to the extent not prohibited by applicable Imv. Those expenses include, for example, reasonable attorneys' fees, 8. GIVING OF NOTICES Unless applicable law requires a difi'erent method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by lust class mail to me at the Property Address above or at a different address ifI 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 ifI am given a notice of tbnt different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, Paso a of a W ISIDA.1 • ! including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises -do in this Note. The Note Holder mayenfnrceitsrights under this Note against each pataonindividually oragainst all of us together. This means that any one ofus may be required to pay all of the amounts owed under this Note. 10. 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 17. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the pro toad ons given to the Note Holder under this Note, a Mortgage, Deed of Trtst; or Security Deed (the "Security lost t"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions arc described as follows: Transfer of the Property or a• Beneficial Interest in Borrower. As used in this Section 18, "Interact in this Property" means any legal or beneficial interest in the propatty including, but not limited to, those beneficial interests transferred In a bond for dead, contra , at for deed, installment sales conduct or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. Wall or any part of tho Property or any Interest in the Property is sold or transferred (or IfBorower is nota natural person and a beneficial interest in Borrower is sold or transferred) withoutLendees prior written concur, Lender may require immediate payment in fait of all sums scoured by this Security Instrument. However, this option shall not be exercised by Lender if sucb exercise is prohibited by Applicable Law. Lender also shall not exercise this option 4 (a) Borrower causes to be submitted to Lender infomration required by Leader to evaluate the intended tram%roa as if a new loan were being made to the tratuderec; and (b) Lender reasonably determines that LetdWssecuritywill notbe impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Undoes consent to the loan assumption. Lender may also require the transfuse to sign an assumption agraetnont that Is acceptable to Leader and that obligates the transferee to keep all the promises and agreements made in the Noto and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender roleases Bormwor in writing. If Lender exercises the option to require immediate payment in full, Louder shall give Borrower notice of acceleration. The notice shall provide a period ofunt 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 Scaurity Instrument. If Borrower Wis. to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security7nstnrmentwithout further notice or demand on Borrower. Page 4 of a UhsSasll WITNrsS THE HAND(S) AND SGAL(S) Or THE UNDERSIGNED n PHILLI LO GH SSR. (Seal) (Seal) Borrowar TAMALA LOUGH -borrower (Saul) (S-1) -Borrower -Borrower (Seal) (1) -BorrOwer -Borrower • t PAY TO THE ORDER OF WITHOUT RECOURSE AWED MORTGAGE GROUP, IHC. ??.,. [Sign original only] SHAH cHOWDIIURK lAsssima6le burtrn F- of Los-j IFIED Busby P?aq Cunum bacW x 1.66 0 !~ ?e3dfe Mac MODIFIED INSTRUMENT 910 Page b of a thssre.1 Pty \, 'OCWEN Loan Servicing, i -7 12650 Ingenuity Drive Orlando, Florida 32826 O C W E N August 14, 2007 WWW.OCWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515117304545 Reference Code: 0705 Tamala Lough 1182 Green Spring Newville, PA 17241 Loan Number: 20288197 Property Address: 1182 Greenspring Road , Newville, PA 17241-0000 PLEASE SEE THE ENCLOSED DOCUMENT 00 VHI"k;, I I P 11 communication is from a- ebt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT91.11 y t (Ax ....._..... OCWEN Loan Servicing, I r 1- 12650 Ingenuity Drive Orlando, Florida 32826 ` O C W E N WWW.OCWEN.COM August 14, 2007 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e 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 HEMAP 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 Counseline Agency. The name address and hone number of Consumer Credit Counselin A encies serving our Coun are listed at the end of this Notice. If you have any auestions, 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): Tamala Lough PROPERTY ADDRESS: 1182 Greenspring Road Newville, PA 17241-0000 LOAN ACCT. NO.: 20288197 ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. 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, I '17 12650 Ingenuity Drive `O Orlando, Florida 32826 ` O C W E N WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act you are entitled to a temporary sta of foreclosure on your mortgage for thirty (30) days from the date of this Notice Durine that time you must arrange and attend a "face- to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan Servicing, I "' 12650 Ingenuity Drive Orlando, Florida 32826 O C W E N WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date) NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 1182 Greenspring Road, Newville, PA 17241-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 1,075.65 from June 01, 2007 through August 14, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 3,226.95 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 161.34 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 10.42 Suspense Balance (CREDIT) ........................ $ 0,00 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 3,398.71 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 $3,398.71, 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 Monev 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 Day 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 rieht to cure the default and prevent the sale at any 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 charees then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writine by the lender and by Derformine any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91.11 n1s communication 1s trom a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan Servicing, I 12650 Ingenuity Drive O C W E " N Orlando, Florida 32826 WWW.OCWEN.COM EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of ti!,- 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. i OCWEN Loan Servicing, T 12650 Ingenuity Drive '? ?? ? O C W E E N Orlando, Florida 32826 August 14, 2007 WWW.OCWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515117304521 Reference Code: 0705 Phillip Lough Sr 1182 Green Spring Newville, PA 17241-9680 Loan Number: 20288197 Property Address: 1182 Greenspring Road , Newville, PA 17241-0000 PLEASE SEE THE ENCLOSED DOCUMENT 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, r - 12650 Ingenuity Drive .......O C W E E N ? Orlando, Florida 32826 WWW.OCWEN.COM August 14, 2007 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1 800 342-2397 (Persons with impaired hearing can call (717) 780-1869) This Notice contains important leeal 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): Phillip Lough Sr PROPERTY ADDRESS: 1182 Greenspring Road Newville, PA 17241-0000 LOAN ACCT. NO.: 20288197 ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. 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. 0 OCWEN Loan Servicing, I - ?l 12650 Ingenuity Drive O C W E N Orlando, Florida 32826 WWW.OCWEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act you are entitled to a tem orar sta of foreclosure on vour mortgage for thirty (30) days from the date of this Notice Durine that time you must arrange and attend a "face to-face" meetine 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. The names, addresses and telephone numbers of designated consumer credit counseline agencies for the countv in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan ......................s 12650 Ingenuity ' Servicing, W Drive ?o 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: 1182 Greenspring Road , Newville, PA 17241-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 1,075.65 from June 01, 2007 through August 14, 2007 DETAIL SUMMARY : Principal and Interest ................................. $ 3,226.95 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 161.34 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 10.42 Suspense Balance (CREDIT) ........................ $ 0.00 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 3,398.71 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 $3,398.71, 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 Monev 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 mortea a debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performine anv other requirements under the morteaee. 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, ' dw o12650 Ingenuity Drive o c w E`N Orlando, Florida 32826 WWW.OCWEN.COM EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 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. 4e VEPJEICAT[ON Rana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this make this Verification as the Pla ff inti is outside jurisdiction of the Court and Plaintiffs ven the fcation necessary to could not be obtained within the time file this pleadi ng, and that the statements m in Mortgage ade in the foregoing Complaint Foreclosure are true and correct to the best of her and belief knowledge, information The undersigned understands that this statement here Penalties of 18 Pa.C.S. Sec. n rs made subject to the 4904 relating to unswom falsification to authorities. SHAPIRO & KREISN4AN, LLC B Y. \A - U-0- Dated:) f 8' Rana Zio Esquire Attorney r laintiff { ? C) ? . W Ty ? .? 9 6 c,171 O C % 1% SHERIFF'S RETURN - REGULAR CASE NO: 2008-01545 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA NA VS LOUGH PHILLIP SR ET AL NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon LOUGH PHILLIP SR the DEFENDANT , at 1805:00 HOURS, on the 18th day of March 2008 at 1182 GREENSPRING ROAD NEWVILLE, PA 17241 by handing to KRISTINA BRINTON, DAUGHTER 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: So Answers: Docketing 18.00 Service 2 8 . 8 0 Affidavit 00 Surcharge 10.00 R. Thomas Kline .00 31x4103 Qj, ? 56.80 03/19/2008 SHAPIRO & KREISMAN Sworn and Subscibed to By: </'?C?1 before me this day Deputy Sheriff of A.D. -46 CASE NO: 2008-01545 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA NA VS LOUGH PHILLIP SR ET AL NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon T.nTT("_W TLMLTM the DEFENDANT , at 1805:00 HOURS, on the 18th day of March at 1182 GREENSPRING ROAD NEWVILLE, PA 17241 by handing to KRISTINA BRINTON, DAUGHTER 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 Service Affidavit Surcharge 31au1ov 4, So Answers: 6.00 .00 ??"rNre P ..? .00 10.00 R. Thomas Kline .00 ?-16.00 03/19/2008 SHAPIRO & KREISMAN Sworn and Subscibed to before me this of By: ?%??l • day Deputy Sheriff A.D. 2008 a 1 CASE NO: 2008-01545 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA NA VS LOUGH PHILLIP SR ET AL NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon .._ Tm the DEFENDANT , at 1805:00 HOURS, on the 18th day of March at 1182 GREENSPRING ROAD NEWVILLE, PA 17241 by handing to KRISTINA BRINTON, DAUGHTER OF OTHER DEFENDANTS a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 3J.1y1ng 16.00 Sworn and Subscibed to before me this day of So Answers: R. Thomas Kline 03/19/2008 SHAPIRO & KREISMAN 2008 By: Deputy Sheriff A. D. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates Ocwen Federal Bank c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 PLAINTIFF VS. Phillip Lough, Sr. and Tamala Lough DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO:08-1545 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: Ilana Zion, Esqu Attorneys for Plaintiff HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007- ASAP2, Asset Backed Pass-Through Certificates v. Phillip Lough, Sr. and Tamala Lough VERIFICATION The undersigned is Foreclosure Facilitator of Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007- ASAP2, Asset Backed Pass-Through Certificates 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 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Date: ez-Reyes Name: Anna VTa Title: US ForeFacilitat or Company: HSk USA, N.A. Loan: 20288197 07-30311 -CR -c C n SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. PTO: PA Bar # 93337 3600 HORIZON D VE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:08-1545 vs. Phillip Lough, Sr. and Tamala Lough DEFENDANT(S) ; PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $156,999.19 in favor of the Plaintiff and against the defendant(s), for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid $141,074.05 Interest at 8.38% from July 1, 2007 to April 21, 2008 (296 days @ $32.39 per diem) $9,587.44 Late charges (for certain months prior to default and every month after at a rate of $53.78 per month) $268.90 Escrow Advance $251.84 Property Inspections $10.50 Suspense/Unapplied Balance ($29.54) Appraisal Fees $111.00 Prior Foreclosure Fees $175.00 Title Search Report Fees $550.00 Attorneys Fees $5,000.00 TOTAL AMOUNT DUE ) 15f?9.19 Lauren R. Tabas, lsquire Attorney for Plaintiff AND NOW,'judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of $156,999.19. 07-30311 Pro. o y. SHAPIRO & KREISMAN, LLC BY: ILANA ZIONb ESQUIRE ATTORNEY I. D. O: PA Bar # 87137 3600 HORIZON D E, SUITE 150 KING OF PRUSS , PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF VS. Phillip Lough, Sr. and Tamala Lough DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Phillip Lough, Sr DATE OF NOTICE: April 8, 2008 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may Dose your property or other important rights. You should take this notice to a lawyer at once. If yotl do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TOT 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. NOTIFICACION IMPORTANTE Usted se encuentra n estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al n tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notification a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direecion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 'ha lv?? Ilana Zion, Esquir Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: ILANA ZION ESQUIRE ATTORNEY I. D. O: PA Bar # 87137 3600 HORIZON D E, SUITE 150 KING OF PRUSS , PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF VS. Phillip Lough, Sr. and Tamala Lough DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Tamala Lough DATE OF NOTICE: April 8, 2008 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If yogi do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT THE, FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW F] RM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WELL BE USED FOR THAT PURPOSE. I NOTIFICACION IMPORTANTE Usted se encuentra n estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al n tomar la accion debida dentro de un termino de diez (10) dial de la fecha de esta notificacion el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe Illevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no time dinero suficiente para tal servicio, vaya en persona o Name por telefono a la oficina cuya direocion se encuentra escrita abajo pars averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAI PURPOSE. PgRSONS TO WHOM RULE 237.1 NOTICE SENT TO: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241' Tamala Lough 1182 Greenspring Road Newville, PA 17241 am Itm Ilana Zion, Esquire Shapiro & Kreisman, OC Attorney for Plaintiff SHAPIRO & KREI MAN, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQ. LAUREN R. TABAS, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 81747, 93337 & 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (614) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities 'Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 DEFENDANT(S) STATE OF: Florida COUNTY OF: Orange AFFIDAVIT OF NON-MILITARY SERVICE THE, UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made land records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-cdptioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. Ocwen Loan) Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Hom Equity Loan Trust and for the registered holders of ACE Secu ' 'es Corp. Home Equ' Loan T 077, ries 2007-ASAP2, Asset Backed Pass- T)do Certificates By: NAME: Ann V. J' enez-Reyes TITLE: US Vo e osure Facilitator Sworn to and subsc Ved before me this day of yck , 2008. Notary Public 07-30311 Notary Public State 7%dda Queen Roberts My commission DD;, n Ex 0812812010 SHAPIRO & KREISMAN, LLC BY: ILANA ZION; ESQUIRE ATTORNEY I.D. O: PA Bar # 87137 3600 HORIZON D E, SUITE 150 KING OF PRUSS , PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA; N.A., as Trustee on behalf of ACE Securities) Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF VS. Phillip Lough, Sr. and Tamala Lough DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 CER11FICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praeecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, Apiril 8, 2008 to the following Defendants: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241. Tamala Lough 1182 Greenspring Road Newville, PA 17241 "Vuc"'' " - 64r6&O Kevin Dwyer, Legal Assistant to Ilana Zion, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KRE SMAN, LLC BY: LAUREN R. ABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- ; Through Certificates PLAINTIFF vs. Phillip Lough, Sr. and Tamala Lough DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:08-1545 CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 Date mailed: y ?P a BY: & KREISMAN, LLC Eaur6ri R. Tabas, Esquire Attorney for Plaintiff 07-30311 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON RIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Dome Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:08-1545 vs. Phillip Lough, Sr. and Tamala Lough DEFENDANT(S) CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007- ASAP2, Asset Backed Pass-Through Certificates 1675 Palm Beach Blvd. West Palm Beach, FL 33401 and that the last known address of the judgment debtor (Defendant(s)) is: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 1724t KREISMAN, LLC Lduren R. Tabas, Esquire Attorney for Plaintiff 07-30311 "?, p Wl 0? ? ? ? '?s. ;C C r? ;:?? ??? r ,^"i„i ' ? ??' r p+,y ? .-° =, ?? r a? ?? OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Tamala 1182 Green Spring Newvil16, PA 17241 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities' Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Dome Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF vs. Phillip Lough, Sr. Wand Tamala Lough DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:08-1545 NOTICE Pursuant to Rule 2316 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated b low. Curtis R. Long Prothonotary [XX] Judgment by Default ] Judgment for Possession ] Judgment on Award of Arbitration ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE A QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Phillip ugh, Sr. 1182 Greenspring Road Newville, PA 17241 HSBC Bank USAb N.A., as Trustee on behalf of ACE Securities) Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-AS 2, Asset Backed Pass- ; Through Certificates ; PLAINTIFF vs. Phillip Lough, Sr. and Tamala Lough DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:08-1545 NOTICE Pursuant to Rule 23? of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. /s/ -? .? Curtis R. Long Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: HSBC Bank USA, N.A., ais Trustee on behalf of ACE Securities Corp. Dome Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- Through Certificates PLAINTIFF () Confessed Judgment () Other File No. d$ - h<YS Amount Due $156,999.19 Interest April 22, 2008 to September 3, 2008 is $4,866.75 Atty's Comm Costs vs. Phillip Lough, Sr. and Tam' ala Lough DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of.Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of'the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as lis p dens against eal 1 defendant(s) described in the attached exhibit. Date: Signa re: Print : Lauren R. Tabas, Esquire Address: 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 93337 the C? ,4 te' • oa COCS? _ CEO _ O 1 ? i ` ` ? ?rA ?? ?? ti ? J =gym z=. 1 -? c .w t ALL THAT CERT IN tract of land situate in North Newton Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described in accordance with a Plan prepared by Rodney Lee Decker, R.P.L.S., dated June 8, 1989 and recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 58, Page 109. BEGINNING at a point in southern right of way line of PA Route 641, at corner of Lot No. 20 in said plan; thence along Lot No. 20 South 03 degrees 26 minutes 00 seconds West 330.00 feet to a point at Lot No. 2:0; thence still along Lot No. 20 North 86 degrees 34 minutes 05 seconds West 150.00 feet to, a point; thence still along Lot No. 18 North 03 degrees 26 minutes 00 seconds East 330.00 feet to a point; thence along southern right of way of Pa Route 641 South 86 degrees 34 minutes' 05 seconds East 150.00 feet to a point the Place of BEGINNING. CONTAINING 1.136 acres and designated as Lot 19 of North Newton Manor. UNDER AND SUBJECT NEVERTHELESS to the following building and use restrictions which shall be binding on the within described tract of land only and shall not be deemed binding on other land of the Grantors, with which building and use restrictions and within Grantees, their heirs and assigns, by acceptance of this deed agree to comply. 1. No mobile home's are permitted on any lot in this subdivision. 2. All residential structures shall have a minimum of 1200 square feet of finished living floor area. 3. No licensed vehicles, junk yard or junk cars are permitted on any lot at any time. 4. There shall be no stockpiling of any material except firewood on any lot at any time 5. No commercial farming. BEING KNOWN als Tax Parcel # 30-08-0597-056 BEING THE SAME PREMISES which Benjamin F. Garman and Auralia B. Garman, husband and wife, by Deed dated January 19, 2007 and recorded in the Cumberland County Recorder of Deeds Office on Jaliuary 30, 2007 in Deed Book 278, page 3004, granted and conveyed unto Phillip Lough, Sr. and Tamala Lough, husband and wife. V- SHAPIRO & KREISMAN, LLC BY: LAUREN R. TiABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON D$2IVE, SUITE 150 KING OF PRUSS , PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 7-30311 HSBC Bank USAO N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the iJegistered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-AS42, Asset Backed Pass- Through Certificates PLAINTIFF vs. Phillip Lough, Sr. and Tamala Lough DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 AFFIDAVIT PURSUANT TO RULE 3129.1 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP, Asset Backed Pass-Through Certificates, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real, property located at 1182 Greenspring Road, Newville, PA 17241. 1. Name and address of Owner(s) or Reputed Owner(s) Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greerispring Road Newville, FA 17241 2. Name and Address of Defendant(s) in the judgment: Phillip Lough, Sr. 1182 Gree ''spring Road Newville, ?A 17241 Tamala Lough 1182 Green spring Road Newville, A 17241 9 3. Name and 1 0 known address of every judgment creditor whose judgment is a record lien on the real -roperty to be sold: HSBC B" USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates, Plaintiff 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Mortgage Electronic Registration Systems Inc. as nominee Ifor Allied Mortgage Group Inc. 7 Bala Avenue, Ste. 108 Bala Cynwyd, PA 19004 Mortgage E ectronic Registration Systems Inc. as nominee for Allied Mortgage Group Inc. P O Box 2026 Flint, MI 4501-2026 Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT R OCCUPANT 1182 Gree pring Road Newville, A 17241 r' Kristina Brinton 1182 Green?pring Road Newville, PEA 17241 I veri fy that 11 the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the'penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. & KREISMAN, LLC 07-30311 ?. y C 'I c . D S`J N n,- SHAPIRO & KREI$MAN, LLC BY: LAUREN R. TA,BAS, ESQUIRE ATTORNEY I.D. O: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA PA 19406 TELEPHONE: (610 278-6800 S & K FILE NO. 0 -30311 HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities orp. Home Equity Loan Trust and for the re istered holders of ACE Securities Corp. H me Equity Loan Trust, Series 2007-ASAP 2, Asset Backed Pass- Through Certificates PLAINTIFF vs. Phillip Lough, Sr. d Tamala Lough DEFENDA TS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 TO: Tamala Lough 1182 Green Spring Newville, P 17241 Your house (?eal estate) at: 1182 Greenspring Road, Newville, PA 17241 30-08-0597-056 is scheduled to be sod at Sheriffs Sale on September 3, 2008 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00a.m., to enforce the court judgment of $156,999.19 obtained by HSBC Bank USA, N.A., as Trustee on behalf of SCE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates against YOU. NOTICE OF OWNER'S RIGHTS YO MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities C rp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates t e amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be ble to stop the sale by filing a petition asking the Court to strike or open the judgment, if he judgment was improperly entered. You may also ask the Court to postpone the sale for od cause. 3. You may be ble to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY TILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale willgo through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390 . 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money xyill be paid out in accordance with this schedule unless exceptions (reasons why the proposed', distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing' of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LIS'T'ED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEB 'r. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-30311 C?°1 xaa C- 7-7 SHAPIRO & KREL' BY: LAUREN R. T ATTORNEY I.D. 1 3600 HORIZON DI KING OF PRUSSY TELEPHONE: (61( S & K FILE NO. 0' MAN, LLC ,BAS, ESQUIRE O: PA Bar # 93337 IVE, SUITE 150 PA 19406 ) 278-6800 -30311 HSBC Bank USA, of ACE Securities Trust and for the n Securities Corp. H Series 2007-ASAF Through Certificat .A., as Trustee on behalf )rp. Home Equity Loan stered holders of ACE ie Equity Loan Trust, Asset Backed Pass- vs. Phillip Lough, Sr. and Tamala Lough DEFENDANTS ,NOTICE OF SH] TO: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 Your house (real estate) at: 1182 Greenspring Road, Newville, PA 17241 30-08-0597-056 is scheduled to be sold at Sheriffs Sale on September 3, 2008 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00a.m., to enforce the court judgment of $156,999.19 obtained by HSBC Bank USA, N.A., as Trustee on behalf o ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates against you. NOTICE OF OWNER'S RIGHTS To prevent this Sheriffs Sale you must take immediate action: 1. The sale wO be cancelled if you pay back to HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates I the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may bel able to stop the sale by filing a petition asking the Court to strike or open the judgment, i the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the rice bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale wil go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if t is has happened you may call 717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the propose distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediate) after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TOT E FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LA FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-30311 - cz?> c. i 1 ?+J t}? WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 08-1545 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HSBC BANK USA, N.A., AS TRUSTEE ON BEHALF OF ACE SECURITIES CORP. HOME EQUITY LOAN TRUST AND FOR THE RESGISTERED HOLDERS OF A E SECURITIES CORP. HOME EQUITY LOAN TRUST, SERIES 2007-ASAP2, ASSET BACKE PASS-THROUGH CERTIFICATES, Plaintiff (s) From PHILLIPI LOUGH, SR. AND TAMALA LOUGH (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) a? follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to Or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $154,999.19 Interest 4/22/08 TO 9/3/08 IS $4,866.75 Atty's Comm % Atty Paid $207.81 Plaintiff Paid Date: APRIL 22, 7008 (Seal) L.L. $.50 Due Prothy $2.00 Other Costs is R. Long, Prothonotary Deputy REQUESTING P TY: Name LAUREN . TABAS, ESQUIRE Address: 3600 HO ZON DRIVE, STE. 150 KING O PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-273-6800 Supreme Court ID No. 93337 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 18, July 25 and August 1, 2008 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. blisa Marie Coyn , Editor SWORN TO AND SUBSCRIBED before me this L day of August, 2008 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary PubItc CARLISLE BORO, CUMBERLAND COUNTY My CommInIon ExpWx Apr 28, 2010 Writ No. 2008-1545 Civil HSBC Bank USA, N.A., as Trustee on Behalf of ACE Securities Corp Home Equity Loan Trust and for the Registered Holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates VS. Phillip Lough, Sr. and Tamala Lough Atty.: Tauren Tabas ALL THAT CERTAIN tract of land situate in North Newton Township, Cumberland County and Common- wealth of Pennsylvania, bounded and described in accordance with a Plan prepared by Rodney Lee Decker, R.P.L.S., dated June 8, 1989 and recorded in the OlNQC of the Foxxoder of Deeds for Cumberland Owx" in Plan Hook 58, Pqp 109. BKMIMO atape in , sou*ern right of way line of PA Route 641, at corner of Lot No. 20 in said plan; thence along Lot No. 20 South 03 degrees 26 minutes 00 seconds West 330.00 feet to a point of Lot No. 20; thence still along Lot No. 20 North 86 degrees 34 minutes 05 seconds West 150.00 feet to a point; thence still along Lot No. 18 North 03 degrees 26 minutes 00 seconds East 330.00 feet to a point; thence along southern right of way of Pa Route 641 South 86 degrees 34 minutes 05 seconds East 150.00 feet to a point the Place of BEGINNING. CONTAINING 1.136 acres and designated as Lot 19 of North Newton Ate. pop UNDER AND SUBJECT NEVER- THELESS to the following building and use restrictions which shall be binding on the within described tract of land only and shall not be deemed binding on other land of the Grant- ors, with which building and use restrictions and within Grantees their heirs and assigns, by acceptance of this deed agree to comply. 1. No mobile homes are permitted on any lot in this subdivision. 2. All residential structures shall have a minimum of 1200 square feet of finished living floor area. 3. No licensed vehicles, junk yard or junk cars are permitted on any lot at any time. 4. There shall be no stockpiling of any material except firewood on any lot at any time. 5. No commercial farming. BEING KNOWN as Tax Parcel # 30-08-0597-056. BEING THE SAME PREMISES which Benjamin F. Garman and Au- ralia B. Garman, husband and wife, by Deed dated January 19, 2007 and recorded in the Cumberland County Recorder of Deeds ice on January 30, 2007 in Deed Book 278, page 3004, granted and conveyed unto Phillip Lough, Sr. and Tamale. Lough, husband and wife. ''?e Patriot-News Co. 812 Market St. harrisburg, PA 17101 Inquiries - 717-255-8292 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE the Patriot News Now you know CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Michael J. Morrow, being duly sworn according to law, deposes and says: Thst he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of They Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 07/23/08 07/30/08 08/06/08 ". & -.0 - - ___1 ............. Sworn to an,"Ubscribed before a th' 20 ay gFAugust, 2008 A.D. Notary Public ? ? Y-vANw C r P"wc Ew Cornri E*LW Nov. 2% coft 1 MOmbsr, P*W"#VWft Assodedon of Notaries Real Estate Sale No. 3 Wrtt No. 2008-1545 Civil Term HSBC Bank USA, N.A., as Trustee on Behalf of ACE Securities Corp Home Equity Loan Trust and for the Registered Holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certttk:ates VS Phillip Lough, Sr. and Tamala Lough Attorney Lauren Tabas LEGAL DESCRIPTION ALL THAT CERTAIN tract of land situate in North Newton Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described in accordance with a Plan prepared by Rodney Lee Decker, R.P.L.S., dated June 8, 1989 and recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 58, Page 109. BEGINNING at a point in southern right of way line of PA Route 641, at comer of Lot No. 20 in said plan; thence along Lot No. 20 South 03 dWees 26 akums 00 sceonds Watt 330.00 fed A6& point at Lot No. 20; timce'still' aWg Lot No. 20 North 86 degrees 34 minutes 05 seconds West 150.00 feet to a point; thence still along Lot No. 18 North 03 degrees 26 minutes 00 seconds East 330.00 feet to a point; thence along southern right of way of Pa Route 641 South 86 degrees 34 minutes 05 seconds East 150.00 feet to a point the Place of BEGINNING. CONTAINING 1.136 acres and designated as Lot 19 of North Newton Manor. UNDER ANDSUBJECT NEVERTHELESS to the following building and use restrictions which shall be binding on the within described tract of land only and shall not be deemed binding on other land of the Grantors, with which building and use restrictions and within Grantees, their heirs and assigns, by acceptance of this deed agree to comply. 1. No mobile homes are permitted on any lot in this subdivision. 2. All residential structures shall have a minimum of 1200 square feet of finished living floor area. 3. No licensed vehicles, junkyard or junk cars are permitted on any lot at any time. 4. There shall be no stockpiling of any material except firewood on any lot at any time 5. No commercial farming. BEING KNOWN as Tax Parcel # 30-08-0597- 056 BEING THE SAME PREMISES which Benjamin F. Garman and Auralia B. Garman, husband and wife, by Deed dated January 19, 2007 and recorded in the Cumberland County Recorder of Deeds Office on January 30, 2007 in Deed Book 278, page 3004, granted and conveyed unto Phillip Lough, Sr. and Tamala Lough, husband and wife. I , . . SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # Attorney I.D. No. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 07-30311 Through Certificates PLAINTIFF HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass- VS. Phillip Lough, Sr. and Tamala Lough DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY: Kindly mark the Judgment entered on April 22, 2008 in the above entitled action vacated without prejudice to Plaintiff. SHAPIRO & DENARDO, LLC BY:?'?` Ilana Zion, Esquire CERTIFICATE OF SERVICE I, ILANA ZION, ESQUIRE, hereby certify that on I served a true and correct copy of the within Praecipe to Vacate Mortgage Foreclosure Judgment upon the following parties via first class mail, postage prepaid: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 SHAPIRO & DENARDO, LLC BY: ILA A ZION, ESQ Attorney for the Plai tiff ) FILED-C'fi; -- 1C,- OF THE P^;)? il- ° O GARY 2009 APR -6 PM 3: QO CUc ?4a . ., L; 0',UATY PENNSYLVANLA 3as3gy eK--;O ? r -l-k i SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # Attorney I.D. No. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 07-30311 HSBC Bank USA, N.A., as Trustee on behalf of• ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007- ASAP2, Asset Backed Pass-Through Certificates PLAINTIFF VS. Phillip Lough, Sr. and Tamala Lough ; DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 08-1545 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: ?tu Ilana Zion, Esquire Attorney for Plaintiff DATED: 46 k ti CERTIFICATE OF SERVICE I, Ilana Zion, Esquire, hereby certify that on f, 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: Phillip Lough, Sr. 1182 Greenspring Road Newville, PA 17241 Tamala Lough 1182 Greenspring Road Newville, PA 17241 SHAPIRO & DENARDO, LLC 1 BY: aMI&a= °r? ---i Rana Zion, Esquire Attorney for Plaintiff FfLN ?i iCE OF THE PRO140.7?fOTAIW 2004 APR -b PM 3: 00 Chi p f?-{{ti. <t t ???,(r:` AUNTY