HomeMy WebLinkAbout05-20-08
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15056041147
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes
PO BOX.280601
Harrisburg, PA 17128-0601
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
'*
OFFICIAL USE ONLY
County Code Year
INHERITANCE TAX RETURN
RESIDENT DECEDENT 2 1 6 g-
File Number
o~~
Date of Birth
201 18 1682
02 22 2008
09 20 1924
YOVICICH
NETTIE
MI
M
Decedent's Last Name
Suffix
Decedent's First Name
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name
Suffix
Spouse's First Name
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
~ 1. Original Return 0 2. Supplemental Return 0 3. Remainder Retum (date of death
prior to 12-13-82)
0 4. Limited Estate 0 4a. Future Interest Compromise 0 5. Federal Estate Tax Retum Required
(dale of death after 12-12-<l2)
00 6. Decedent Died Testate 0 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust)
0 9. Litigation Proceeds Received 0 10 Spousal Poverty Cred~ (date of death 0 11. Election to tax under Sec. 9113(A)
. between 12-31-91 and 1-1-95) (Attach Sch. 0)
CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
JENNIFER B. HIPP 717 73~ 8761~
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Firm Name (If Applicable)
BOGAR AND
HIPP LAW OFFICES
REGISTER ~F vv1~ USE:~NL Y r
(- ~ I
.", ~'i] 2;
First line of address
1 WEST MAIN STREET
-,
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I
Second line of address
(I')
DATE FILED
a
.-
City or Post Office
SHIREMANSTOWN
State
PA
ZIP Code
17011
Correspondent's &-mall address:
Under penalties of pe~ury, I declare that I have examined this retum, including accompanying schedules and statements, and to the best of my knowledge and belief,
it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE
;??~ THOMASL.YOVICICH 5/J3)~1{
ADDRESS ,r
JENNIFER B. HIPP
DATE
One West Main Street, Shiremanstown, PA 17011
Side 1
L
15056041147
15056041147
....J
---1
15056042148
REV-1500 EX
Decedent's Name: Nettie M. Yovicich
Decedent's Social Security Number
201 18 1682
RECAPITULATION
1. Real Estate (Schedule A).......................................................................................... 1.
2. Stocks and Bonds (Schedule B)............................................................................... 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3.
4. Mortgages & Notes Receivable (Schedule D).......................................................... 4.
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E)................ 5.
6. Jointly Owned Property (Schedule F) 0 Separate Billing Requested............. 6.
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) 0 Separate Billing Requested............. 7.
8. Total Gross Assets (total Lines 1-7)....................................................................... 8.
149.98
81,136.10
81,286.08
9. Funeral Expenses & Administrative Costs (Schedule H)......................................... 9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)................................ 10.
11. Total Deductions (total Lines 9 & 10)...................................................................... 11.
12. Net Value of Estate (Line 8 minus Line 11)............................................................. 12.
13. Charitable and Governmental Bequests/See 9113 Trusts for which
an election to tax has not been made (Schedule J)................................................. 13.
14. Net Value Subject to Tax (Line 12 minus Line 13)................................................. 14.
TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, of
transfers under Sec. 9116
(a)(1.2)X~
16. Amount of Line 14 taxable
at lineal rate X .045
17. Amount of Line 14 taxable
at sibling rate X .12
18. Amount of Line 14 taxable
at collateral rate X .15
0.00
15.
0.00
16.
0.00
17.
0.00
18.
19. Tax Due...................................................................................................... ............... 19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
Side 2
L
15056042148
85,844.74
85,844.74
-4,558.66
-4,558.66
0.00
0.00
0.00
0.00
0.00
o
15056042148
--.J
REV-1500 EX Page 3
Decedent's Complete Address:
File Number 21 --
DECEDENTS NAME
Nettie M. Yovicich
STREET ADDRESS
1190 Lowther Road
CITY I STATE !ZIP
Camp Hill PA 17011
Tax Payments and Credits:
1 . Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1 )
0.00
0.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Credits (A + B + C)
(2)
0.00
Total Interest/Penalty (D + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 2 Line 20 to request a refund
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest on the tax due.
B. Enter the total of Line 5 + SA. This is the BALANCE DUE.
(3)
(4)
(5) 0.00
(SA)
(5B) 0.00
Make Check Payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
o
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... 0
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation?. ................................. ......................................... ................ ........... ..... .......... 0 [!]
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred;..................................................................................
b. retain the right to designate who shall use the property transferred or its income;....................................
c. retain a reversionary interest; or.......... .......................... ............... .............................................. ....... ..........
d. receive the promise for life of either payments, benefits or care?..............................................................
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?......................................................................................................................
Yes No
~ ~
[!]
[!]
For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the
surviving spouse is three (3) percent [72 P.S. 39116 (a) (1.1) (i)].
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero
(0) percent [72 P.S. 39116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements
for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a
natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. 39116 (a) (1.2)J.
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent,
except as noted in 72 P.S. 39116 1.2) [72 P.S. 39116 (a) (1 )J.
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent[72 P.S. 39116 (a) (1.3)]. A
sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
Rev-1608 EX+ (6-98)
,~
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SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIOENT OECEDENT
Yovicich, Nettie M.
FILE NUMBER
21--
ESTATE OF
Include the proceeds of I~igation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM
NUMBER DESCRIPTION
1 Members 1st Checking Account - Account No. 81794-11; Date of Death Value $0.00;
Accrued Interest $0.00
VALUE AT DATE
OF DEATH
0.00
2 Members 1st Holiday Club Account - Account No. 81794-02; Date of Death Value
$55.03; Accrued Interest $.03
55.06
3 Members 1st Savings Account - Account No. 81794-02; Date of Death Value $94.85;
Accrued Interest $.07
94.92
TOTAL (Also enter on Line 5, Recapitulation)
149.98
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule E (Rev. 6-98)
REGULAR SAVINGS ACCOUNT:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
HOLIDAY CLUB:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
CHECKING ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
LOAN ACCOUNTS:
Account Number/Suffix
Date Loan Established
Principle Balance at Date of Death
Loan Type
Interest Rate
Collateral Held as Security
Name of Co-Borrower
*Loan 13 does not have Credit Life Coverage
VISA CREDIT CARD ACCOUNT:
Account Number
Date Account Established
Balance at Date of Death
Name of Joint Cardholder
Estate of: Nettie S. Yovicich
Date of Death: February 22, 2008
Social Security Number: 201-18-1682
tv 1~
MEMBERS 1st
FEDERAL CREDIT UNION
81794-02
09/29/1986
$94.85
$0.07
$94.92
none
81794-02
01/08/2008
$55.03
$0.03
$55.06
None
81794-11
04/23/1988
$0.00
$0.00
$0.00
none
81794-13*
05/04/2007
$1,308.70
Unsecured
12.890%
Contractual Pledge of Shares
none
4121440030817948
04/29/1999
$1,883.83
None
MEMBERS 1ST FEDERAL CREDIT UNION
M'~
Leigh-Anne Stallings
Insurance Services Assistant
March 20, 2008
5000 Louise Drive . Po. Box 40 . Mechanicsburg, Pennsylvania 17055 · (800) 283-2328 . W\vw.members1sLorg
ReY-1509 EX + (6-98)
SCHEDULE F
JOINTLY-OWNED PROPERTY
COMMONw:ALTH OF PENNSYLVANIA
INHERITANCE T AA RETURN
RESIDENT DECEDENT
Yovicich, Nettie M.
FILE NUMBER
21--
ESTATE OF
If an asset was made joint within one year of the decedent's date of death, It must be reported on schedule G.
SURVIVING JOINT TENANT(S) NAME
A. Judy L. Y ovicich
ADDRESS
RELATIONSHIP TO DECEDENT
Daughter
1190 Lowther Road
Camp Hill, P A 17011
B.
C.
JOINTLY OWNED PROPERTY:
LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECO'S VALUE OF
NUMBER TENANT JOINT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR VALUE OF ASSET INTEREST DECEDENTS INTEREST
JOINn Y-HELD REAL ESTATE.
1 A 11/1/2007 Real Estate - Located at 1190 Lowther 162.272.20 50.000% 81.136.10
Road, Camp Hill, Pennsylvania 17011.
Said real estate is jointly owned by Judy
L. Yovicich and Nettie M. Yovicich, the
Decedent herein. Said property was
obtained by Judy L. Yovicich by Deed
dated July 15, 1997 and made joint with
the Decedent herein by Quit Claim Deed
dated November 1, 2007. Copies of both
Deeds are attached hereto and
incorporated herein. For purposes of
this PA Inheritance Tax Return, the value
of this property has been determined as
follows: County Assessed Value -
$133,010.00 x Common Level Ratio -1.22
= Tax Assessment Value - $162,272.20.
A copy of the Cumberland County Tax
Assessment Data for the real property is
attached hereto and incorporated herein.
TOTAL (Also enter on Line 6, Recapitulation) 81.136.10
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule F (Rev. 6-98)
lf~st1
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Prepared By:
Industry Partners Title,.LLC
433 Broadway, 3rd Floor
Saratoga Springs, New York 12866
After Recording Mail To:
Industry Partners Title, LLC
433 Broadway, 3rd Floor
Saratoga Springs, New York 12866
Mail Subsequent Tax Statement To:
Judy Y ovicich and Nettie Y ovicich
1190 Lowther Road
CampHill,PA 17011
Tax Parcel Number: 13-23-0545-073
QUITCLAIM DEED
TITLE OF DOCUMENT
THIS deed made the \g day of llDVe.l"Y> b.er , 20lLl, between Judy L.
Yovicich, (hereinafter called the Grantor), of the one part, whose mailing address is 1190
Lowther Road, Camp Hill, 17011 and Judy L. Yovicich, a single 'Woman and Nettie Yovicich,
a single 'Woman, as tenants with rights of survivorship (hereinafter called Grantee), of the
other part, whose mailing address is; 1190 Lowther Road, Pennsylvania, 17011
WITNESSETH that the said Grantor for and in consideration of the sum of ONE AND NO/10D
DOLLAR ($1.00), lawful money of the United States of America, unto Grantor well and truly
paid by the said Grantee, at or before the sealing and delivery hereof, the receipt of which is
hereby acknowledged, has conveyed, granted, remised, released and quitclaimed, and by these
presents does convey, remise, release and quitclaim unto the said Grantee his heirs and
assigns, the following described premises, situated in the City of Camp Hill, County of
Cumberland, and State of Pennsylvania:
SEE EXHIBIT "A" ATTACHED HERETO AND BY THIS REFERENCE MADE A PART HEREOF.
COMMONLY known as: 1190 Lowther Road, Pennsylvania, 17011; Prior Recorded Doc.
Ref.:Deed: Recorded 7/18/1997 Book:161 Page:303
IF THE mineral estate has been severed from the above-described real property, THIS
DOCUMENT SHALL/MAY NOT SELL, CONVEY, TRAN'SFER, INCLUDE OR INSURE THE TITLE
TO THE COAL AND RIGHTS OF SUPPORT UNDERNEATH THE LAND DESCRIBED OR
REFERRED HEREIN, AND THE OWNER OR OWNERS OF SUCH COAL MAY HAVE THE
COMPLETE LEGAL RIGHT TO REMOVE ALL SUCH COAL AND, IN THAT CONNECTION,
DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, BUILDING OR
OTHER STRUCTURE ON OR IN SUCH LAND. THE INCLUSION OF THIS NOTICE DOES NOT
ENLARGE, RESTRICT OR MODIFY ANY LEGAL RIGHTS OR ESTATES OTHERWISE CREATED,
TRANSFERRED, EXCEPTED OR RESERVED BY THIS INSTRUMENT.
SUBJECT TO any Restrictions, Conditions, Covenants, Rights, Rights of Way, and Easements
now of record;
Together with all and singular. the tenements, hereditaments and appurtenances, thereunto
j,-,~
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belonging, or in anywise appertaining, and the reversions and remainders, rents, issues, and
profits thereof; and all the estate, right, title, interest, property, claim and demand whatsoever
of the said Grantor, as well at law as in equity, of, in, and to the same.
To have and to hold the above-mentioned premises together with the appurtenances, unto the
said Grantee, his heirs and assigns, forever.
Whenever used, the singular number shall include the plural, the plural the singular
and the use of any gender shall be applicable to all genders.
Witness our hand the day and year first above written:
. ..:".
GRANTOR(S):
~~~
Judy . fovi iah
STATEOF Pe.nnA\.{ (YUill. a..)
COUNTY OFCLJm~-e....-l (AC\d! l ss
~ ~.
On this \ day of II"{)\/e..moe.f, 20m, before me\..O.~lo.'I"')f\ W'€..ndtC-vlclJthe
undersigned officer, personally appeared Judy L. Yovicich, known to me or satisfactorily
proven to be the person whose name is subscribed to the within instrument and aclmowledged
that he executed the same for the purposes therein contained.
NOTARY STAMP I SEAL
Witness my hand and official seal, the day and
year aforesaid.
COMMONWEALTH Of' PENNSYLVANIA
NOTARIAL.. SEAl.:-
Carolann Wendland. Notary public
Ham den iwp., Cumberland County
M't C~~MISS\ON ~P\RES AP_R. 23, 2011
~j-0-y-~.~~-J
Signature of Acknowledging Officer
(,
CERTIFICATE OF RESIDENCE: "I do hereby certify that the precise address of the within
named Grantee is: 1190 Lowther Road, Camp Hill, PA 17011.
Signed: ~ T H;-/
Grant e. Judy L. Yovieich
Signe~~ ~Cc'~
Grantee: Nettie Yovicich
File No: 1006881
EXHIBIT "A"
Current Owner: Judy L. Y ovicich
All that certain piece or parcel of land situate in Lower Allen Township, Cumberland County,
Pennsylvania, being more particularly bounded and described as follows, to wit:
Beginning at a point on the Northerly line of Lowther Road on the dividing line between Lots Nos. 48 and.
49, Block "L" on the hereinafter mentioned Plan of Lots, said point also being a distance of two hundred
thirty-one (231.00) feet to Norman Road East; thence in a Northerly direction along hte Easterly line of
Lot No. 48, one hundred twenty (120.00) feet to Lot No. 54, Block "L" on said Plan; thence in a
Northeasterly direction along the Southerly line of Lot No. 54, thirteen and fifty~eight one-hundredths
(13.58) feet to Lot No. 53, Block "L" on said Plan; thence in a Southerly direction along the Southerly line
of Lots Nos. S3 and 52, Block "L" on said Plan, ninety-nine and twenty-three one-hundredths (99.23) feet
to the dividing line between Lots Nos. 49 and 51, Block ilL" on said Plan; thence in a southerly direction
along the Westerly line of Lot No. 51, fifty-two and forty-five one-hundredths (52.45) feet to Lowther
Road; thence in a Westerly direction along the Northerly line of Lowther Road, eighty-six and twenty-one
one-hundredths (86.21) feet, the place of beginning.
Being Lot No. 49, Block "L" on the Plan of Part of Block "J" and "L", Highland Park, Lower Allen
Township, Cumberland County, Pennsylvania, recorded in the Cumberland County Recorder's Office in
Plan Book 4, Page 89.
Being the same premises conveyed to Judy L. Yovicich from Nettie M. Yovicich, a/k/a Nettie S. Yovicich
by Warranty Deed dated 7/15/1997 and recorded 7/18/1997 as Instrument or Book/Page No. 161/303 of the
Cumberland County Clerk's Office.
SHOWN FOR INFORMATIONAL PURPOSES ONLY:
ADDRESS: 1190 Lowther Road, Camp Hill, PA 17011
PARCEL ID# 13-23-0545-073
A t:J:.1 C olllJllilllle'" - Schedllle A
Page 2
REV-f63 EX (11-04)
*'
REALTY TRANSFER TAX
STATEMENT OF VALUE
RECORDER1S USE ONLY
Slate Tax Paid I ~ ~ ) ).
~ 0' -';~~.q)
Page..l>lt:lmber
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU OF INDMDUAL TAXES
HARRI~~U~~Xi:~~~8-0603 See Reverse for Instructions Date Recorded 1/-")-0 -01
Complete each section and file in duplicate with Recorder of Deeds when (1) the full value/consideration IS not set forth in the deed, (2) when the
deed is without consideration, or by gift, or (3) a tax exemption is claimed. A Statement of Value is not required if the transfer is wholly exempt from
tax based on: (1) family relationship or (2) public utility easement. If more space is needed, attach additional sheet(s).
A. CORRESPONDENT - All inquiries may be directed to the following person:
Name ~ma.~ ./.Sur?- _ rNdL+-5ffY ,/kdA/~.r3 -77~J!:. Telephone Number:
p: ~() , ~ 1-7;ri'~ ,(+'/ltl7
State Zip Code
/:;-ffld.,
'Ult'Jr
~
Zip Code
/7011
..fj, r; JIll ~
Date of Acce tance of Document
Grantee(s)/Lessee(s) \7lt::If" .jtJv/e/c.f/ ;Q .51A../9N tvtJ~,v
'/lid . /
Street Address
11ft> MtVrr/E.e It d
City
Ghm,a #/iiJ
Grantor(s )/Lessor(s)
L.'
Street Ad ress
'J9!J bw~//cr N.
City
CBm/>,,!//.L.L
C. PROPERTY LOCATION
Street Address
Mt?'"7'#r::r ,.f.d.
erLa J..I d
D. VALUATION DATA
Zip Code
/'7 tJ/1
School District
2. Other Consideration
+
5. Common Level Ratio Factor
X /:1.2.
3. Total Consideratfon
=
6. Fair Market Value
- /~:Z..2 '7:L. {;La
E. EXEMPTION DATA
1a. Amount of Exemption Claimed
1 b. Percentage of Interest Conveyed
2. Check Appropriate Box Below for Exemption Claimed
o Will or intestate succession
o
o
o
o
o
o
o
o
(Name of Decedent)
(Estate File Number)
Transfer to Industrial Development Agency.
Transfer to a trust. (Attach complete copy of trust agreement identifying all beneficiaries.)
Transfer between principal and agent. (Attach complete copy of agency/straw party agreement.)
Transfers to the Commonwealth, the United States and Instrumentalities by gift, dedication, condemnation or in lieu
of condemnation. (If condemnation or in lieu of condemnation, attach copy of resolution.)
Transfer from mortgagor to a holder of a mortgage in default. Mortgage Book Number , Page Number _'
Corrective or confirmatory deed. (Attach complete copy of the prior deed being corrected or confirmed.)
Statutory corporate consolidation, merger or division. (Attach copy of articles.)
Other (Please explain exemption claimed, if other than listed above.)
Under penalties of law, I declare that I have examined this Statement, including accompanying Information, and to the best
of my knowledge and belief, it is true, correct and complete.
Signature of Correspondent or Responsible Party . Date
Cj1-q~ , 111/107
FAILURE TO COMPLETE THIS FORM PROPERLY OR ATTACH APPLICABLE DOCUMENTATION MAY RESULT IN
THE RECORDER'S REFUSAL TO RECORD THE DEED.
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE
CARLISLE, P A 17013
717-240-6370
Instrument Number - 200743587
Recorded On 11/20/2007 At 12:45:59 PM
* Instrument Type - DEED
Invoice Number - 9220 User ID - RAK
* Grantor - YOVICICH, JUDY L
* Grantee - YOVICICH, JUDY L
* Customer - INDUSTRY PARTNERS
* FEES
STATE TRANSFER TAX.
STATE WRIT TAX
STATE JCS/ACCESS TO
JUSTICE
RECORDING FEES -
RECORDER OF DEEDS
AFFORDABLE HOUSING
COUNTY ARCHIVES FEE
ROD ARCHIVES FEE
WEST SHORE SCHOOL
DISTRICT
LOWER ALLEN TOWNSHIP
TOTAL PAID
$1,622.72
$0.50
$10.00
$12.50
$11.50
$2.00
$3.00
$811.36
$811. 36
$3,284.94
* Total Pages - 5
Certification Page
DO NOT DETACH
This page is now part
of this legal document.
I Certify this to be recorded
in Cumberland County PA
~o~
* - Information denoted by an asterisk may change during
the verification process and may not be reflected on this page.
111111111~lmr~1111 II III
~/
;':.C:'ERT ? ZIEGLER
::~CO~.DE'f~. OF DEEDS
i;;~MSc.~LAND COLHHY- FJA
'97 JUL 18 FA 2 .91
Tax Parcel No. 13-23-0545-073
THIS DEED,
MADE THE
/~ day of ~;- in the year one thousand
nine hundred ninety-seven (1997)
BETWEEN
Nettie M. Yovicich, a/k/a Nettie S. Yovicich of
Lower Allen Township, Cumberland County,
Pennsylvania,
Grantor,
and
Judy L. Yovicich, of Lower Allen Township,
Cumberland County, Pennsylvania,
Grantee:
WITNESSETH, that in consideration of One and NO/100 Dollar
($1.00), in hand paid, the receipt whereof is hereby
acknowledged, the said Grantor does hereby grant and convey to
the said Grantee, her heirs, executors and assigns:
ALL THAT CERTAIN piece or parcel of land situate in Lower Allen
Township, Cumberland County, Pennsylvania, being more
particularly bounded and described as follows, to wit:
BEGINNING at a point on the Northerly line of Lowther Road on the
dividing line between Lots Nos. 48 and 49, Block "L" on the
hereinafter mentioned Plan of Lots, said point also being a
distance of two hundred thirty-one (231.00) feet to Norman Road
East; thence in a Northerly direction along the Easterly line of
Lot No. 48, one hundred twenty (120.00) feet to Lot No. 54, Block
"L" on said Plan; thence in a Northeasterly direction along the
Southerly line of Lot No. 54, thirteen and fifty-eight one-
hundredths (13.58) feet to Lot No. 53, Block "L" on said Plan;
thence in a Southeasterly direction along the Southerly line of
Lots Nos. 53 and 52, Block ilL" on said Plan, ninety-nine and
twenty-three one-hundredths (99.23) feet to the dividing line
between Lots Nos. 49 and 51, Block "L" on said Plan; thence in a
Southerly direction along the Westerly line of Lot No. 51, fifty-
two and forty-five one-hundredths (52.45) feet to Lowther Road;
thence in a Westerly direction along the Northerly line of
Lowther Road, eighty-six and twenty-one one-hundredths (86.21)
feet, the place of BEGINNING.
...... . I _ t U r_,- '" 0' ...,
~j (5'(9l(. \~... / ~ ,). '::J
;.
BEING Lot No. 49, Block "L" on the Plan of Part of Blocks "J" and
"L", Highland Park, Lower Allen Township, Cumberland County,
Pennsylvania, recorded in the Cumberland County Recorder's Office
in Plan Book 4, Page 89.
The above description is written in accordance with a Survey
dated September, 1961, of Luther N. Amos, Jr., Professional
Engineer.
HAVING ERECTED THEREON a dwelling house known and numbered as
1190 Lowther Road, Camp Hill, Pennsylvania.
BEING the same premises which Earl Handler, Administrator C.T.A.
of the Estate of Lyle J. POlito, late of Lower Allen Township,
Cumberland County, Pennsylvania, by Deed dated June 17, 1965 and
recorded June 18, 1965 in the Cumberland County Recorder of Deeds
Office in Deed Book "Q", Volume 21, Page 35, 'granted and conveyed
unto Steve Yovicich and Nettie S. Yovicich, his wife. The said
Steve Yovicich died May 4, 1990, whereupon full and complete
title to the within described real estate became vested solely in
Nettie S. Yovicich, surviving spouse. The said Nettie S.
Yovicich is also known as Nettie M. Yovicich, the Grantor herein.
This is a conveyance from parent to child and is, therefore,
exempt from the payment of realty transfer taxes.
AND the said Grantor hereby covenants and agrees that she will
warrant the proper~y hereby conveyed.
INlVITNESS lVllEREOF, said Grantor has hereunto set her hand and
seal the day and year first above written.
Signed, Sealed and Delivered
in the Presence of
~Q~~
""\
~N~Ii~. ~~~I~ ~ c ,.-t
~~-t...,. / ~~~: <-A:
a/k/a NETTIE S.VYOVICICH
(SEAL)
( SEAL)
-.,.
..
COMMONWEALTH OF PENNSYLVANIA
SS .,'
COUNTY OF CUMBERLAND :
On this, the)~ day of ~ ' 1997, before me,
the undersigned officer, personally appeared NETTIE M. YOVICICH,
a/k/a NETTIE S. YOVICICH known to me (or satisfactorily proven)
to be the person whose name is subscribed to the within
instrument, and acknowledged that she executed the same for the
purposes therein ~ontained.
IN WITNESS WHEREOF, I hereunto set my hand and official
seal.
~<-t ;,lJbA'A/7A
Notary Public -
My Commission Expires:
(SEAL)
,....~~
. NOTARIAL SEAL
i CATHERINE J. BARRA. NOTARY PUBLIC
1 SHiREMANSTOWN sORO, CUMBERLAND CO. P A.
- ;'.j'; GD(;'M]SSiO~ EXPlRES SEPT. 9,1999
~'II~.~~"""" ""'If':'r.Il
I do hereby certify that the precise residence and complete
post office address of the within named Grantee is 1190 Lowther
Road, Camp Hill, Pennsylvania.
- ~~S-
, 1997
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
Grantee
SS.
RECORDED on this day of ,
19 , in the Recorder's Office of the said County, in Deed
Book , Page
Given under my hand and the seal of the said office, the
date above written.
, Recorder.
TaxDB Result Details
Detailed Results for Parcel 13-23-0545-073. in the 2004 Tax Assessment Database
Page 1 of I
DistrictNo 13
Parcel_ID 13-23-0545-073.
MapSuffix
HouseNo 1190
Direction
Street LOWTHER ROAD
Ownerl YOVICICH, JUDY L
C/O & NETTIE YOVICICH
PropType R
PropDesc
LivArea 1587
CurLandVal 30000
CurlmpVal 103010
CurTotVal 133010
CurPretval
Acreage .16
CIGrnStat
TaxEx 1
SaleAmt 1
SaleMo 11
SaleDa 20
SaleCe 20
Sale Y r 07
DeedBkPage 200743587
YearBlt 1960
HF_FiIe_Date 03/02/2005
HF _Approval_Status A
County Assessed Value $133,010.00
Common Level Ratio X 1.22
Tax Assessment Value $162,272.20
hrtp://taxdb.ccpa.net/details.aso?id= 13 -23-0545-071_&c1hsp.l p.~t= 1
Rev-1512 EX+ (6-98)
.
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Yovicich, Nettie M.
FILE NUMBER
21--
ESTATE OF
Include unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 CitiMortgage -1/2 of balance of Mortgage on 1190 Lowther Road, Camp Hill, 84.844.74
Pennsylvania 17011. This Mortgage was jointly held by Judy L. Yovicich and Nettie
M. Yovicich, the Decedent herein. A copy of the Mortgage is attached hereto and
incorporated herein. The Mortgage is dated November 1, 2007 and is in the
principal amount of $170,100.00. A copy of the most recent mortgage account
statement, same being dated March 3, 2008 showing an outstanding principal
balance in the amount of $169,689.48 is attached hereto and incorporated herein.
2 Members 1st Loan Account. Account No. 81794-13; the Date of Death balance due 500.00
and owing on the personal loan account is in the amount of $1,308.70. Given that
insufficient assets were available to fully satisfy the loan balance, Members 1st
Federal Credit Union agreed to accept a payment of $500.00 to satify this debt. See
April 18, 2008 correspondence from Dan Summers, Collection Manager, Members
1st.
3 Members 1st Visa Credit Card Account - Account No. 4121440030817948; the Date 500.00
of Death balance due and owing on the Visa credit card account is in the amount of
$1,883.83. Given that insufficient assets were available to fully satisfy the loan
balance, Members 1st Federal Credit Union agreed to accept a payment of $500.00
to satify this debt. See April 18, 2008 correspondence from Dan Summers,
Collection Manager, Members 1st.
TOTAL (Also enter on Line 10, Recapitulation)
85,844.74
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
THIS INSTRUMENT WAS PREPARED BY:
GAIL DECKER
INTERFIRST WHOLESALE, TRAILING DOCUM
1201 EAST LINCOLN
MADISON HEIGHTS, MI 48071-4171
1-800-542-9512
When recorded mail to:
ABN AMRO MORTGAGE GROUP, INC.
1:201 EAST LINCOLN
MADISON HEIGHTS, MICHIGAN 48071-4171
ATTN:FINAL/TRAILING DOCUMENTS
APN #:
APN #:
[Space Above This Line For Recording Data]
LOAN #: 657619179
MORTGAGE
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document
are also provided in Section 1 $.
(A) "Security Instrument" means this document, which is dated NOVEMBER 1, 2007,
together with all Riders to this document.
(B) "Borrower" is JUDY L YOVICICH, A SINGLE WOMAN AND NETTIE S YOVICICH, A
SINGLE WO~J1.:.N.
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is Jl...BN ll.MRO MORTGAGE GROUP, nJc.
Lender is a CORPORATION
laws of DELAWARE.
2600 W. BIG BEAVER RD., TROY, MICHIGAN 48084.
organized and existing under the
Lender's address is
Lender is the mortgagee under this Security Instrument.
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
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(D) "Note" means the promissory note signed by Borrower and dated NOVEMBER 1, 2007.
The Note states that Borrower owes Lender *****************************************
************************ONE HUNDRED SEVENTY THOUSAND ONE HUNDRED AND NO/IOO
********************************************** Dollars (U.S. $170,100.00)
plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt
in full not later than DECEMBER 1, 2037.
(E) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property. "
(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late
charges due under the Note, and all sums due under this Security Instrument, plus interest.
(0) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower [check box as applicable]:
CJ Adjustable Rate Rider 0 Condominium Rider
CJ Balloon Rider 0 Planned Unit Development Rider
CJ 1-4 Family Rider 0 Biweekly Payment Rider
CJV.A. Rider
o Second Home Rider
DOther(s} [specify]
(H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders {that have the effect of law} as well as all applicable final,
non-appealable judicial opinions.
(I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments
and other charges that are imposed on Borrower or the Property by a condominium association,
homeowners association or similar organization.
(J) "Electronic Funds Transfer" means any transfer offunds, otherthan a transaction originated by check,
draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument,
computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine
transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers.
(K) "Escrow Items" means those items that are described in Section 3.
(L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or pro-
ceeds paid by any third party (other than insurance proceeds paid under the coverages described in
Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or
any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or
omissions as to, the value and/or condition of the Property.
(M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default
on, the Loan.
(N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under
the Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(O) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. ~2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As
used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed
in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related
mortgage loan" under RESPA.
(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether
or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
Thi", So,..., 'r,'t\1/ndr' '''"'ont se""uros to I onrlor. (j\ the rop"'ymont ,.,ftho / "''''!1 ",,,rI "'II renOH,,,,'''' O"'on",,'on'" "'''d
.... __.... ..'11..........111-1.. _ 1_ __ __",,,,).., ..... _11_'.._.....__....._.'_11___ _Vii___,_J',\L_,... ...._..
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Initials:
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Lender the following described property located in the COUNTY
[Type of Recording Jurisdiction] of CUMBERLAND [Name of Recording Jurisdiction]:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF.
which currently has the address of 1190 LOWTHER RD, CAMP HILL,
Pennsylvania
[Street] [City]
17011
[Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except
for encumbrances of record. Borrower warrants and will defend generally the title to the Property against
all claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and fate charges due under the Note. Borrower shall also pay funds for Escrow
Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made
in U.S. currency. However, if any check or other instrument received by Lender as payment under the
Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all
subsequent payments due under the Note and this Security Instrument be made in one or more of the
following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check,
treasurer's check or cashier's check, provided any such check is drawn upon an institution whose
deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or
at such other location as may be designated by Lender in accordance with the notice provisions in
Section 15. Lender may return any payment or partial payment if the payment or partial payments are
insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient
to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such
payment or partial payments in the future, but Lender is not obligated to apply such payments at the
time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date,
then Lender need not pay interest on unapplied funds. Lender may hold such unapplied ftmds until
Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable
period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier,
Initials:
Form 3039 1/01
("Property Address "):
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
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such funds will be applied to the outstanding principal balance under the Note immed iately prior to
foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall
relieve Borrower from making payments due under the Note and this Security lnstrument or performing
the covenants and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument,
and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Volu ntary prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due
for: (a) taxes and assessments and other items which can attain priority over this Security Instrument
as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if
any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage
Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of
Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called
"Escrow Items. Jl At origination or at any time during the term of the Loan, Lender may require that
Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such
dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this Section. Borrower shall pay Lenderthe Funds for Escrow Items
unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may
waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such
waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where
payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender
and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time
period as Lender may require. Borrower's obligation to make such payments and to provide receipts
shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument,
as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow
Items directly, pursuantto a waiver, and Borrowerfails to pay the amount due for an Escrow Item, Lender
may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated
under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow
Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
pay to Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at anytime, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with
A.pplicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or
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in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than
the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds,
annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower
interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement
is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be
required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in
writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge,
an annual accounting of the Funds as required by RESPA.
Ifthere is a surplus of Funds held in escrow, as defined under RESPA, Lender shall accountto Borrower
forthe excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined
under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the
amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly
payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify
Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments
or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if
any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided
in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien-in a manner
acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien
in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's
opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only
until such proceedings are concluded; or (c) secures from the holder of the lien an agreement
satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any
part of the Property is subject to a lien which can attain priority overthis Security Instrument, Lender may
give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given,
Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected
on the Property insured against loss by fire, hazards included within the term "extended coverage," and
any other hazards including, but not limited to, earthquakes and floods, for which Lender requires
insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the
periods that Lender requires. What Lender requires pursuant to the preceding sentences can change
during the term ofthe Loan. The insurance carrier providing the insurance shall be chosen by Borrower
subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time
charge for flood zone determination, certification and tracking services; or (b) a one-time charge for
flood zone determination and certification services and subsequent charges each time remap pings or
similar changes occur which reasonably might affect such determination or certification. Borrower shall
also be responsible for the payment of any fees imposed by the Federal Emergency Management
Agency in connection with the review of any flood zone determination resulting from an objection by
Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
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particular type or amount of coverage. Therefore, such coverage shall cover Lender, but m ightor might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any
risk, hazard or liability and might provide greater or lesser coverage than was previously in effect.
Borrower acknowledges that the cost of the insurance coverage so obtained might significantly
exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender
under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.
These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,
with such interest, upon notice from Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and
renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid
premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise
required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard
mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may
make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in
writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be
applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or eamings on such proceeds. Fees for public adjusters, orotherthird parties, retained by Borrower
shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration
or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall
be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any,
paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-
day period will begin when the notice is given. In either event, or jf Lender acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,
and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid
by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable
to the coverage of the Property. Lender may use the insurance piOceeds either to repair or restore the
Property orto pay amounts unpaid under the Note orthis Security Instrument, whether or notthen due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy
the Property as Borrower's principal residence for at least one year after the date of occupancy, unless
Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless
extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property.
Whether or not Borrower is residing in the Property, Borrower sha!! maintain the Property in crderto prevent
the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant
to Section 5 that repairor restoration is noteconomicallyfeasible, Borrower shall promptly repair the Property
Initials:
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if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in
connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or
restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse
proceeds for the repairs and restoration in a single payment or in a series of progress payments as th e work
is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,
Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall
give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable
cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to
Lender (or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy ofthe
Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.
If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b)
there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights
under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or
forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce
laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for
whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this
Security Instrument, including protecting and/or assessing the value of the Property ,and securing and/
or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums
secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying
reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security
Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes,
but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and
windows, drain water from pipes, eliminate building or other code violations or dangerous conditions,
and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does
not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no
liability for not taking any or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date
of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or
cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or
amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title
shall not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the
Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any
reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage
insurer that previously provided such insurance and Borrower was required to make separately
designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums
required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at
a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect,
from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance
Initials:
Form 3039 1/01
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Online Documents, Inc; Page 7 of 14
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coverage is not available, Borrower shall continue to pay to Lender the amount of the separately
designated payments that were due when the insurance coverage ceased to be in effect. Lender will
accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance.
Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in
full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and
for the period that Lender requires) provided by an insurer selected by Lender again becomes available,
is obtained, and Lender requires separately designated payments toward the premiums for Mortgage
Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, orto provide a non-
refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with
any written agreement between Borrower and Lender providing for such termination or until termination
is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest
at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may
incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These
agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party
(o"r parties) to these agreements. These agreements may require the mortgage insurer to make
payments using any source offunds that the mortgage insurer may have available (which may include
funds obtained from Mortgage Insurance premiums).
As a resultofthese agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or any affiliate of any ofthe foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance,
in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount
Borrower wiil owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive
a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation
or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair
of the Property, ifthe restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous
Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been
completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender
may pay for the repairs and restoration in a single disbursement or in a series of progress payments
as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest
to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest
or earnings on such Miscellaneous Proceeds. Ifthe restoration or repair is not economically feasible or
Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured
Initials:
Form 3039 1/01
PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Online Documents, Inc. 'page 8 of 14
PAUDEDL 0612
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LOAN j/:: 657619179
by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such
Miscellaneous Proceeds shall be applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value ofthe Property, the Miscellaneous Proceeds
shall be applied to the sums secured byihis Security Instrument, whether or not then due, with the
excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately
before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the
sums secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing
Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower
fails to respond to Lender within 30 days atterthe date the notice is given, Lender is authorized to collect
and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums
secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action
in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and,
if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding
to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other
material impairment of Lender's interest in the Property or rights under this Security Instrument. The
proceeds of any award or claim for damages that ar~ attributable to the impairment of Lender's interest
in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by
Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of
Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence
proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or
otherwise modify amortization ofthe sums secured by this Security Instrument by reason of any demand
made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender
in exercising any right or remedy including, without limitation, Lender's acceptance of payments from
third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then
due, shall not be a waiver of or preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower cov-
enants and agrees that Borrower's obligations and liability shall be joint and several. However, any
Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-
signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the
Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums
Initials:
Form 3039 1/01
PENNSYLVANIA.-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Online Documents, Inc. Page 9 of 14
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LOAN #: 657619179
secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to
extend, modify, forbear or make any accommodations with regard to the terms of this Security
Instrument or the Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability underthis Security Instrument unless Lender agrees to such release
in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence of express authority in this Security Instrument to charge a
specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may
not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted
so that the interest or other loan charges collected or to be collected in connection with the Loan exceed
the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce
the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded
permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,
the reduction will be treated as a partial prepayment without any prepayment charge (whether or not
a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made
by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising
out of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed
to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address ifsent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall
promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting
Borrower's change of address, then Borrower shall only report a change of address through that
specified procedure. There may be only one designated notice address under this Security Instrument
at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail
to Lender's address stated herein unless Lender has designated another address by notice to Borrower.
Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender
until actually received by Lender. If any notice required by this Security Instrument is also required under
Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this
Security Instrument.
16. Governing Law; Severabiiity; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract.
In the event that any provision or clause of this Security Instru ment or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: {al words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
Initials:
Form 3039 1/01
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Online Documents. Inc. Page 10 of 14
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LOAN #: 657619179
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation
to take any action.
17. Borrower's Copy. Borrower shall be given one copy otthe Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract
or escrow agreement, the intent of which is the transfer ottitle by Borrower at a future date to a purchaser.
If all or any part ofthe Property or any Interest in the Property is sold or transferred (or if Borrower is not
a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written
consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section
15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained
in this Security Instrument; (b) such other period as Applicable Law might specify for the termination
of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants
or agreements; (c) pays all expenses incurred in enforcing this Security-Instrument, including, but not
limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred
for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument;
and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the
Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured
by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such
reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash;
(b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any
such check is drawn upon an institution whose deposits are insured by a federal agency I instrumentality
or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument
and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,
this right to reinstate shall not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest
in the Note (together with this Security Instrument) can be sold one or more times without prior notice
to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might
be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the
Loan Servicer, Borrower will be given written notice ofthe change which will state the name and address
of the new Loan Servicer, the address to which payments should be made and any other information
RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the
Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing
obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer
and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed
Initials:
Form 3039 1/01
PENNSYLVANIA--Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999.2006 Online Documents. Inc. Page 11 of 14
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by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with
such notice given in compliance with the requirements of Section 15) of such alleged breach and
afforded the other party hereto a reasonable period after the giving of such notice to take corrective
action. If Applicable Law provides a time period which must elapse before certain action can be taken,
that time period will be deemed to be reasonable for purposes of this paragraph. The notice of
acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of
acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and
opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable ortoxic petroleum products, toxic pesticides
and herbicides, volatile solvents , materials containing asbestos orformaldehyde, and radioactive materials;
(b) "Environmental Law" means federal laws and laws ofthe jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not
do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of
a Hazardous Substance, creates a condition that adversely affects the value ofthe Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (al any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and
any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat
of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release
of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is
notified by any governmental or regulatory authority, or any private party, that any removal or other
remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly
take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create
any obligation on Lender for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify
Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when
the default must be cured; and (d)thatfallure to cure the default as specified may result in acceleration
of the sums secured by this Security Instrument, foreclosure by judicia! proceeding and sale of the
Property. Lender shall further inform Borrower oUhe rightto reinstate after acceleration and the right
to assert in the foreclosure proceeding the non-existence of a default or any other defense of
Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option
may require immediate payment in full of all sums secured by this Security Instrument without further
demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled
to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but
not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law.
23. Release. Upon payment of all sums secured by this Security Instrument, this Security
Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender
Initials:
Form 3039 1/01
PENNSYLVANIA-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Or:line Documents, Inc. Page 12 of 14
PAUDEDL 0612
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shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender
may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party
for services rendered and the charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error
or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any
present or future laws providing for stay of execution, extension of time, exemption from attachment,
levy and sale, and homestead exemption.
25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour
prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument.
26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after ajudgment
is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time
under the Note.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
(Seal)
JUDY L YOVICICH
(Seal)
NETTIE S YOVICICH
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
@ :999-2006 Online Documents, Inc. Page 13 of 14
Form 3039 1/01
PAUDEDL 0612
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Commonwealth of PENNSYLVANIA
County of
LOAN #: 657619179
On this, the day of before me,
, the undersigned officer, personally appeared
JUDY L YOVICICH AND NETTIE S YOVICICH, known to me (or satisfactorily
proven) to be the person whose name(s) is/are subscribed to the within
instrument and acknowledged that he/she/they executed the same for the
purposes therein contained.
In witness whereof I hereunto set my hand and official seal.
My commission expires:
Title of Officer
Certificate of Residence
I,
do hereby certify that the correct address of the within-named Mortgagee is 2600 W. BIG
BEAVER RD., TROY, MICHIG}i.N 48084
Witness my hand this
day of
Agent of Mortgagee
Initials:
Form 3039 1/01
PENNSYLVANIA-Single Family--Fannie MaelFreddie Mac UNIFORM INSTRUMENT
@ 1999-2006 Online Documents, Inc. Page 14 of 14
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I~ u'"
.< 1':'.
V%L',,,.
. r Statement Date: 03103.<00
~ Property Address: 1190 LOWTHER RD
~ CAMP HILL PA 17011
tACCOUNTNUMBER:1120133644-0
t Type of Mortgage
r Prin~ipal Balance
t Interest Rate
t Escrow Balance
t Interest Year to Date
IT'" "'" y"" · "'"
$169,689.48
7.12500%
$1,774.88
$3,027.48
. $0.00
Account Number: 1120133644-0
JUDY L YOVlCICH
Please designate howy:lU want us to apply any additional funds.
Undesignated funds first pay outstanding lale charges and fees, lhen
principal. Once paid, additional funds cannol be returned.
o Please checl: box to indicate mailing address/phone number changes
and enter on reverse side.
Include aceount number on cheek and make payable to:
II .1.1'11111.11. i 1.1.1 n..I~! II! II II .1,11111111 ,11.11..1..1111 n III,;!,I
CITIMORTGAGE, INC.
PO BOX 183040
COLUMBUS OH 43218-3040
il! If! II !ill~ !~~ II ~t~ ie c~c oc !!c~~m c!,cli!m:! n!!! '&'&ICH!
Page10fl
c.ffi t-n. ,0, J"t. G' . ""\ n pf)
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JUDY L YOVICICH
NETTIE S YOVICICH
1190 LOWTHER RD
CAMP HILL PA 17011
Now you can view your Year End Statement online. Simply visit www.citimortaaae.com
and sign on. Irs that easy!
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Due Date:
04101/08
$1,470.82
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Please do not send cash. Please allow 7 to 10 days for posta! delivery.
To ensure timely processing of your mortgage payment, please use the enclosed envelo;Je and coupon. Do not include account inquiries with your payment.
011201336440 0000147082 0000147082 0000147082
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MEMBERS 1st
FEDERAL CREDIT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
81794-02
09/29/1986
$94.85
$0.07
$94.92
none
HOLIDAY CLUB:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
81794-02
01/08/2008
$55.03
$0.03
$55.06
None
CHECKING ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
81794-11
04/23/1988
$0.00
$0.00
$0.00
none
LOAN ACCOUNTS:
Account Number/Suffix
Date Loan Established
Principle Balance at Date of Death
Loan Type
Interest Rate
Collateral Held as Security
Name of Co-Borrower
81794-13*
05/04/2007
$1,308.70
Unsecured
12.890%
Contractual Pledge of Shares
none
*Loan 13 does not have Credit Life Coverage
VISA CREDIT CARD ACCOUNT:
Account Number
Date Account Established
Balance at Date of Death
Name of Joint Cardholder
4121440030817948
04/29/1999
$1,883.83
None
MEMBERS 1ST FEDERAL CREDIT UNION
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Leigh-Anne Stallings f
Insurance Services Assistant
March 20, 2008
Estate of: Nettie S. Yovicich
Date of Death: February 22,2008
Sociai Security Number: 20'1-18-1682
5000 Louise Drive c Po. Box 40 c Mechanicsburg, Pennsylvania 17055 c (800) 283-2328 c w'N\v.members1st.org
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MEMBERS l't
FEDERAL CREDIT UNION
April 18, 2008
Attorney Jennifer Hipp
1 W. Main Street
Shiremanstown, PA 17011
Phone: (717) 737-8761
Fax: (717) 737-2086
Re: Nettie Yovicich
Account # 81794
Loan ID: 03
Visa ending in - 7948
Per the phone discussions of April 17, 2008, Members' 1st does hereby agree to settle the loan and Visa card accounts of Nettie
Yovicich in full for one (1) lump sum payment of $1,000.00. The $1,000.00 settlement sum is to be divided with $500.00 to the Visa
card account ending in -7948 and $500.00 to the unsecured loan of 81794-03.
Once the funds have cleared for the $1,000.00 payment, Members' 1st will close the Visa card account and unsecured loan, showing
zero balances for both debts, and cease all further collection activity in regards to the debt. Members' 1st will then modify Ms.
Yovicich' credit bureau report to read as "settled for less than full balance."
Please call me with any questions or concerns concerning this arrangement.
Sincerely,
~...urv Pd.Ul111'1'~d-
Dan Summers
Collection Manager
5000 Louise Drive · P.O. Box 40 · Mechanicsburg, Pennsylvania 17055 · (717) 795-6018 · www.memberslst.ore-
Page 1
REV-1513 EX+ (9~O)
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
NUMBER
Yovicich, Nettie M.
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
oistributions, and transfers
under Sec. 9116(a)(1.2)]
FILE NUMBER
21--
ESTATE OF
RELATIONSHIP TO
DECEDENT
Do Not US! Trus!ee(s)
SHARE OF ESTATE AMOUNT OF ESTATE
(Words) ($$$)
I.
See attached schedule
Total
Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, on Rev 1500 cover sheet
ll. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT
BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 6-98)
SCHEDULE J
BENEFICIARIES
(Part I, Taxable Distributions)
ESTATE OF:
Nettie M. Yovicich 02/22/2008 201-18-1682
Item Name and Address of Person(s) Share of Estate Amount of Estate
Number Receiving Property Relationship (Words) ($$$)
1 Nettie M. Williams
1915 Princeton Avenue
Camp Hill, PA 17011
Daughter
One-Fifth (1/5) of
Rest Residue and
Remainder
2 Jeanne M. Yovicich
1190 Lowther Road
Camp Hill, PA 17011
Daughter
One-Fifth (1/5) of
Rest Residue and
Remainder
3 Judy L. Yovicich
1190 Lowther Road
Camp Hill, PA 17011
Daughter
One-Fifth (1/5) of
Rest Residue and
Remainder
4 Steve A. Y ovicich
Son
Deceased - No Share
5 Theresa L. Yovicich
1190 Lowther Road
Camp Hill, PA 17011
Daughter
One-Fifth (1/5) of
Rest Residue and
Remainder
6 Thomas L. Y ovicich
2375 Lambs Gap Road
Enola, PA 17025
Son
One-Fifth (1/5) of
Rest Residue and
Remainder
1
LAST WILL AND TESTAMENT
OF
NETTIE M. YOVICICH
I, NETTIE M. YOVICICH/ of Lower Allen Township, Cumber-
land County, Pennsylvania, make/ publish and declare this as and
for my Last Will and Testament, hereby re~oking all other Wills
and Codicils heretofore made by me.
FIRST: I devise and bequeath all the rest, residue and
remainder of my estate of whatever nature and wherever situate/
including any property over which I hold power of appointment and
together with any insurance policies thereon, in equal shares, to
my children, STEVE A. YOVICICH, JUDY L. YOVICICH, THERESA L.
YOVICICH, THOMAS L. YOVICICH/ NETTIE M. WILLIAMS and JEANNE M.
YOVICICH/ provided that should any of my children predecease me,
I give and bequeath such child's share unto his or her issue per
stirpes by representation, and if there be a failure of same,
then I give and bequeath such deceased child's share to my
surviving children as provided herein.
SECOND: In addition to all powers granted to them by
law and by other provisions of this Will, I give the fiduciaries
acting hereunder the following powers, applicable to all proper-
ty, exercisable without court-a'-pproval and effective until actual
(~ distribution of all property:
.j
{ j (A) To sell at public or private sale, or to lease,
~ for any period of time, any real or personal property and to give
~
~ options for sales, exchanges or leases, for such prices and upon
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~ such terms (including credit/ with or without security) or
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Rt conditions as are deemed proper. This includes the power to give
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.-t~ legally sufficient instruments for transfer of the property and
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~~ to receive the proceeds of any disposition of it.
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(B) To partition/ SUbdivide/ or improve real estate
and to enter into agreements concerning the partition, subdivi-
sion, improvement, zoning or management of real estate and to
impose or extinguish restrictions on real estate.
(C) To compromise any claim or controversy and to
abandon any property which is of little or no value.
(D) To invest in all forms of property, including
stocks, common trust funds and mortgage investment funds, without
restriction to investments authorized for Pennsylvania fiduci-
aries, as are deemed proper, without regard to any principle of
diversification, risk or productivity.
(E) To exercise any option, right or privilege granted
in insurance policies or in other investments.
(F) To exercise any election or privilege given by the
Federal and other tax iaws, including, but not necessarily being
limited to, personal income, gift and estate or inheritance tax
laws.
(G) To make distributions to my herein named benefici-
aries in cash or in kind or partly in each.
(H) To borrow money from themselves or others in order
to pay debts, taxes, or estate or trust administration expenses,
to protect or improve any property held under my will, and for
investment purposes.
(I) To select a mode of payment under any qualified
retirement plan (pension plan, profit sharing plan, employee
stock ownership plan, or any other type of qualified plan) to the
extent the plan or the law permits them to do so, and to exercise
any other rights which they may have under the plan, in whatever
manner they consider advisable.
1 ~ THIRD: I direct that all inheritance, estate, trans-
~~
~ .~er, succession and death taxes, of any kind whatsoever, which
~ may be payable by reason of my death, whether or not with respect
~ to property passing under this Will, shall be paid out of the
r principal of my residuary estate.
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~~ FOURTH: All interests hereunder, whether principal or
.~ income, which are undistributed and in the possession of the
fiduciaries acting hereunder, even though vested or distribut-
2
able, shall not be subject to attachment, execution or sequestra-
tion for any debt, contract, obligation or liability of any
beneficiary, and furthermore, shall not be subject to pledge,
assignment, conveyance or anticipation.
FIFTH: I nominate and appoint THOMAS L. YOVICICH,
Executor of this, my Last will and Testament. In the event of
the death, resignation or inability to serve for any reason
whatsoever of the said THOMAS L. YOVICICH, I nominate and appoint
JUDY L. YOVICICH, Executrix of this, my Last will and Testament.
I direct that my Executor or Executrix, as the case may be, and
their successors, shall not be required to post security or a
bond for the performance of their duties in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand and
. rt->-
seal to this, my Last will and Testament, this I~ day of
'9 t?- ' 1997.
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NETTIE M. YOVICIC&Y
(SEAL)
Signed, sealed, published and declared by the above-
named Testatrix as and for her Last will and Testament in our
presence, who, at her request, in her presence and in the
presence of each other, have hereunto subscribed our names as
attesting witnesses.
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