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Home My WebLink About08-4221 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, vs. Plaintiff, Michelle Clayton Defendant. TO: DEFENDANT YOU ARE HEREBY NOTIFIED TO PLEAD TO THE ENCLOSED COMPLAINT WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A DEFAULT JUDGMENT MAY BE ENTERED AGAINST YOU. I HEREBY CERTIFY THAT THE ADDRESS OF THE PLAINTIFF IS: 7255 Baymeadows Wav Mail Stop JAXB2007. Jacksonville FL 32256 AND THE DEFENDANT: 426 South York Street Mechanicsbure. PA 17055 CERTIFICATE OF LOCATION I HEREBY CERTIFY THAT THE LOCATION OF THE REAL ESTATE AFFE CTED BY THIS LIEN IS 426 South York Street Mechanicsburg PA 17055 MunicivafitY: Mechanicsburg set* a. Diette ick ATTORNEY FOR PLAINTIFF ATTY FILE NO.: FRP 104983 CIVIL DIVISION NO.: 08 , J /;z a I ( t V z l7? TYPE OF PLEADING CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE FILED ON BEHALF OF: Washington Mutual Bank COUNSEL OF RECORD FOR THIS PARTY: ZUCKER, GOLDBERG & ACKERMAN, LLC Scott A. Dietterick, Esquire Pa. I.D. #55650 Kimberly A. Bonner, Esquire Pa. I.D. #89705 Richard P. Haber, Esquire Pa I.D. #202567 Eric Santos, Esquire Pa. I.D. #201493 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 (908) 233-8500 (908) 233-1390 FAX officena tucker olg dber com File No.: FRP- 104983/bkm Zucker, Goldberg & Ackerman, LLC FRP-104983 k_ L ? K IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. § 1692 ET SEQ. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. Zucker, Goldberg & Ackerman, LLC FRP-104983 `. 1, 1., •r rc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, : CIVIL DIVISION Plaintiff, . NO.: vs. Michelle Clayton Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU SHOULD NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND LAWYER REFERRAL Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3166 Zucker, Goldberg & Ackerman, LLC FRP-104983 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, CIVIL DIVISION Plaintiff, : NO.: vs. Michelle Clayton Defendant. AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de ]as demandas que se presentan mas adelante en ]as siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notifacacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comperencencia escrita y redicanco en ]a Courte por escrito sus defensas de, y objecciones a, los demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en ]a demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero O propieded u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABAGADO IMMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME A VAYA A LA SIGUEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND LAWYER REFERRAL Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3166 Zucker, Goldberg & Ackerman, LLC FRP-104983 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, Plaintiff, vs. Michelle Clayton Defendant CIVIL DIVISION NO.: 6,F- 91.7 al -? 'Tt .. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE And now comes Washington Mutual Bank, by its attorneys, Zucker, Goldberg & Ackerman, LLC, and files this Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff, Washington Mutual Bank, which has its principal place of business at 7255 Baymeadows Way, Mail Stop JAXB2007, Jacksonville, FL 32256. 2. The Defendant, Michelle Clayton, is an individual whose last known address is 426 South York Street, Mechanicsburg, PA 17055. 3. On or about November 24, 2004, Michelle Clayton executed a Note in favor of The Washington Savings Bank, FSB in the original principal amount of $113,600.00. Zucker, Goldberg & Ackerman, LLC FRP-104983 ?R rl 4. On or about November 24, 2004, as security for payment of the aforesaid Note, Michelle Clayton made, executed and delivered to Mortgage Electronic Registration Systems, Inc. as nominee for The Washington Savings Bank, FSB a Mortgage in the original principal amount of $113,600.00 on the premises hereinafter described, with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on December 1, 2004, in Mortgage Book Volume 1889, Page 3519. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "A", attached hereto and made a part hereof. The aforesaid Note and Mortgage was assigned by Mortgage Electronic Registration Systems, Inc. as nominee for The Washington Savings Bank, FSB to Washington Mutual Bank, plaintiff herein, pursuant to an assignment of mortgage to be recorded. 6. Defendant is the record and real owner of the aforesaid mortgaged premises. 7. Defendant is in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. On or about May 15, 2008, Defendant was mailed a combined Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notice of Intention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 of 1974, 41 P.S. §101, et seq. Zucker, Goldberg & Ackerman, LLC FRP-104983 9. The amount due and owing Plaintiff by Defendant is as follows: Principal $ 121,486.64 Interest through 06/18/2008 $ 2,538.45 Attorneys' Fees $ 1,250.00 Title Costs $ 525.00 Late Charges $ 178.91 Miscellaneous $ 53.93 Total Fees $ 57.00 Total $ 128,064.93 Plus interest on the principal sum ($121,486.64) from June 18, 2008, at the rate of $18.31 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of $128,064.93, with interest thereon at the rate of $18.31 per diem from June 18, 2008, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Zucker, Goldberg & Ackerman, LLC FRP-104983 ' ZUCKER, GOLDBERG KERMAN BY: Scott A. Dietterick, Esquire PA I.D. # 55650 Kimberly A. Bonner, Esquire PA I.D.#89705 Richard P. Haber, Esquire PA I.D.#202567 Eric Santos, Esquire PA I.D.#201493 Attorneys for Plaintiff 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 908-233-8500 FAX 908-233-1390 s EXHIBIT A Zucker, Goldberg & Ackerman, LLC FRP-104983 06-20-'08 11:96 FROM-Premier Abstract RECORD AM RITIM TO TIM AROMTM SA OCS BANK, PSB VHAX RGAD, StaTS 300 aro' MD 20716 7175956163 T-513 P019/057 F-566 ?:`i GAG 1 RCi 11 11 Peed Ntsnher: 144" Abr. TO La" MW 9Wft ml MORTGAGE oe"en m 0 9503319br ttlN 1000979-0009503319-0 DEPDOTIONS a, 70 aed 2m roles ns of dill docymept sw defined blow and odeer words are delined it sections 3. 11. 13. the Mp of words red is this doromeat ste AM prodded in Seen,,. if,, ult Riders to dity fssD'unn e. means Otis do=ne, tfbiod U dsled lrovatabar 24th, 2004 documeac Witmer with all . M "Borrower" is lrlch.lla Clayton Bmtower is the mortla8os Under to umlly bguunmw. (C) "Af? " is Mosttaio Rel y syma% a nomase Jor Lender and tuader's auacounn, and loc. A Is I to a aet"o cotpo Wo Sw is aetFnl solely as MOM is ospssod and exisds? Under she laws of DolawaM ' li h Is a resg As coda fib Ssetnif P.O. OX . 2026, FI'mt, MichiSon 4MI- X, Oel. (ASS) 679-a1ERq and Mae address abd Eelephpoo aumbsr of .O. Hox (D) "Lend-" is The waohing eon RavtgM !risk, tYC . leader is a cosraox Ixom orpylsod and THN maTSD arATZa OF A)=icJ1 exisdn8 under the law: of (1)lead, a"- 300, aowie, tfaryland 70716 ]sodlr's address is 4901 rriCchallvilla (1) "Hose" MOW the Pfaatiraoty nom dPed by ODUU M and deed ltaveebar 24th, stales that 90-- owes tender 0- MuLdred TASztean 20o The NOW - - - - - _ _ Thvu?saad 81x Shedrad and d ao/300- - das dok is a" to .S. $ *a 113.500.00 aejtWt YertoQlc Pa7>- ) FIND WORet. Borrower has psomiaed p s deW in W not blot flea Daaerebar lot, 3034 PaY "Abpeetj" awns the F*Pgfty 00) "Lwa" uses-- the debt erideae d is diewibed below order dw ?L '1Yanefa of Rillp In dte hoporty." ?NfrO?W and au sum Ore,such +ds ?Ymaat cla?ea ad lue dWrM doe under the Wd9W be'e7C uW by Bonn (do* box 5?K1t[ky larQnmmDt *W are "-W by Homo var. TLe folloain[ Riders arc to aPFliabJele O AQorfabk ]fate Rider 0 Condomlpj = Ridot ? Balboa Rider 11 Pb=W Unit Deve? ? &cmW Eloped Rids Ridr ? Ohr(s) lxpectyl O 1-4 Famly Rider O Biweekly p Rtdff PW0WLVANZ PACW f - "hWg Fiaay-resrle McNAhAS? Ma. 11NQDRar 1 oxwm M(I 889PG3519 Inidals: _ ?,C vww.M Uq owl 4114/eM oe„s+zooe ,:,a:eaPA,U f oLw"ALMD CMwry maer 200µ43t e - peg* f of 1S 06-20-'08 11:46 FROM-Premier Abstract 7175456163 T-513 P020/057 F-566 • It r ( r 7 ad?eleearllA rdea aad or" W 16daa1, ems aad low =NwW rspd dw awbwon °Nd lser (dWbare de SMU or 1W u MU as all a PUMble fbed, oorappMMk rtdk'id "C' AweclWaw Dw, PW4 Mid Asupwoaeb" smw an doaa, lue. aaaaeemaete and 0jhff chwM mac on Bonower or the Plop" by a condamtdnm amodUba, h0M own= a uciWim or dMW W& hWW iMdo& al 1eiB mum PUeds TmmdW" meme eel' M=* of Amd& odw roan a trmaacdw mimed by ebact, &ak or dwdla PW- hw0umeac, which a udduW Arovo ao dwuoWc u meal, UP 30 u ID limned m?• fix. or udm"i s a llaweial i w*Won a debit or cm* a° aeeoe Sbeh WN bebmk-c but is Cse1100 and aubmaied ua Mn. aommaaed nailer tel0hias tHaafMM, trawl= itd Md by eelepb00, wire (W "saerrew bear" memt? nushm dug M dwftW is S.cdou 3. oo '11Deaa6aeaoes Ptocaatl?' mace uy o9epmtadoy, satdemmc. awetrd of p? Pdd by any mind o" s(odw dcao ban= paom* Md cadet *9 c*vmp s daa3bed m &Wm 5) ?n ftwW jD, of ?A4h I (H) emd=atioa or omen wft of all or my part of dw Ptnpaty; 0* coos is Hn of acedameadue; or (.) m aep ma-ftdow of, or ombdoea ere 0. ms vales &OWN Waft= Of oya°9e (d) "Ferkdk PAyuw " moat do teldudy scbmWW ammmt due lbr (ft 4 ?Yd a a1 or Leer 00 nay amotmte nsdea Saedoa 3 of min Seemlge I>?, P M ialerest rider dK Noce. Phu M "JUMA" MUM ms RMI Panne Settlemmc Procaduraa Act (12 U.S.C. ; 2601 at seq.) and its iupiuomemg aatteaeor~k n X (24 C.F.R. Part 3MM a dry =W be amended from dme to does, or any addidwm or 1 teBohdom dut #ovaras dW mess wbjm maser. Aa vW in dale Secaft Iawemos. "RESPA" mhaa b AM 167*--w aid nadcdou moan dos not q a ( that art hopoaM in wp?rd a a *b&. a ly nlard monWe lon* even it die (Q) ""le- IN b tersat of Borrower" me (erne uadar RI$tA. 'n) Party Ihat has eelooa tints w doe lean assuad Borrower's oftaboes under den Note and/or d a Sectaity luau==. ftWq • wheltler or an tbas parry TRANSFER OF RIGHTS IN THE PROPERTY This SwA* loaarammt swum to r eudv; 0) do tepaymuu of me Loan, ad an renewal=. e:teoeioa anal lAlfic0but t of tw the NN o*; m 10 the P oe of Boerowe?r's dig Sawity mmrw fbr d Cher cad m Bw * so0a eotrowor doer 9 A°°?' Pmt and ooevey0M u (moldy as :axaawrs and auEb me and Mowing dnm*ed property loaned iu the C m of d a.w l.awba rrm of Reeetsirs!"ri-;ml (Nana of Resadlm luriedkdoei sea attached brhibit ¦Ae PAC AU - P paw{e alwr]eeaie ?am t7raupeaa tNSralpaa27l S( t 889PG3520 TRWOa: Pees. 1/08 e'4? 0619/2008 t:te 5s AM C UMBEPAMD co uNTY roue 200we3++ -Pace 2 of 16 06-20-08 11:47 FROM-Premier Abstract 7175456163 *h" ettaemtlY has the address of 476 South York street, Pe,1m71vataq 17055 tsteanl ("PmPrstY Addras7_ r4 Ceae1 T-513 PB21/057 F-566 Lean m it 1503331br >Vabaaieobury "I TOOM70R W Ti an the ImPMemaus now or 11rm&er erred on the Mpt W. led an abutments, % this Sawmi byP Insn+mseeat. All of tb, fotWJS is ofmh W 1. in ft,,,ty y . All a a and sdM= shall alto be ?d ben and ageea that MGRS hoida ?Y Instrumeft as OPOM, - Boower those held itlto de ioOeres Puled n0 7 b r all of aoesppt (? aoatioea Lander mod L+ader's luccesa n =d udw) has nda: m esrerciee isicitidfiog. fir. and to take any action required of Lartder ,but not timlaed to do tiBht,n tnmlete and sell dre tasdmmem. Wchugal. but not 1®iled to. relea>tat and txnd dtlt Security BORROWER COVENANTS data Borrower is lawfetly wised of dte escape hereby conveyed and has the riSW to IRM&P. Yratst asd convey the Property and that dte _ Borrower watrads sod wiq deftod LeaeraAY the r&b to 00 Pl oPg y saMM all claims and demands. s*= a of to o my ebraeea of record. THIS SECURITY INSTRUMENT cnmbims wftm covenants Am natinmi use and mon.mliftnm cove== wish limited vadationg by ,iodse lecloam co-dmtt: a uoi>bsm secluity inurement covcx* red ProPer'n. UNIFORM COVEKANTS_ earnower and lender oovemaut and W ft as follyw6: _ Pay who doe the pdmct of and in vat on. de debt ??ttby the Now and an atdgr a Leta (]tow c B " ad asW dwles der antler the NOW. Borrower shall ahn pay by ad late ender the Note am dais Secmoty Iamusaft daB be f* i U.S. F.. cvM !arena ptuarrapt iD Ally ch 3. Payments doe SmdoO eck tpaiml hY Lander as PaYroma under the Nola or Ok fro rumor is However , U any r uop Or W Payments 100111 diet AMY Of aH $111NOWnt forms u s pPAY-saet da ruder Securi be muk in one ro moire of fOllOwift eboeh or adder's chest, Provided any Under stash (check a train order, (c) ?' bank Chsem bebsaatr'a slimy, sczW*. or emtily. or (d! c Foods Ti m "an, ingdftedon "'hone debts ate immad by s &&Ig Electron tt ?dw-d received by Leadef Wbm JeCdved at the location dcalpaM in the NOW or at such odw payment or p clap si parmcut if the pqmm in accordance nom Drovisicee in Section IS. La*r may rearm any 13"judice to its to PW?s at teethe ht strch? each Payment at ?W Payments in but Lmder is not any d Mrea Y an lender obusatted to reed not Pay interest uoq*M !bads. 1Lender may bold sq is applied h as of its sc ro0eled take p dam oweg bsie? the Lose taarraat. tf Bpcrowr* UND Iia0ldieie! tarlier, swat finds 0ew3tt ?? ?m• I?ettder s1wW aPPb' ash fllrldlt err nt?a Ihem to 8ossolstr, under the Note ta?iate4r prior to havelosamr. pl No olbet or dam which 801roww volght beve now or in Pmlbwtig Me covemwts aaftm-o secured by dies Se?rriry I-pnmeat. Ed tau Security hpsu? the PACMA Ya222,sam r-,rre.a. rarrA.ruie Aa` Ut+nolgs t?t'atn?rlarr ° '-? d.L Fans taH 7/n1 b+w 7 yllAYw! www.rt?.?y_-- 891889PG352 t Od1S2000 1:16M HM i - CUat9ER1.AI,Ip COUttT V huts 200449344 - Page 3 of 15 06-20-'08 11:97 FROM-premier Abstract , 7175956163 T-513 P022/057 F-566 _- APlUeahos of Loan m • 950231lbt °f ?? at otherwrae desaingi in this and appdrod by i e dbatl be VpUW in *c bnWipg MW of pdwily. Section 21 an MUM UCCIMed due under the Note: (c) WWWW due a des 3lodoo ?,eh ? () , ? due Under do NOW. p,) pbdM order is duwbich e u it bawme drte. Arty am°aaa "ll be Vgied first to Lade prmimc in t o amomces due under this ??Y rood am to 11 ?' other zeduc 60 pr!" of the Now. If Leader receives it paymm from Be,", far a dlicaluent Periodic sD PRY W Into, cdWr doe, the Paymton any be a ymnt WWCJA iselaQea a sWMicienc aadotttt Periodic peyy? is °" . LsaOer may ;pBed MS c Juveived M sad the late td WW. If mine an env Paric,dic applied m doe furl! of one or ma can be paid is fall. To the mmetu? W pr?era exists after AA tgpyiicadon of pay s periodic PeYMIM Well excel 'My be appW jD guy IM XgWA-w charger and tMon ee detcrtbal io the Noce. not eu 3. Fua* for Zmeraw roWd Or Poespottethe d ? or ? ft MOI or P'"ft IM, of da Periodic to Wb1CW due tinder ®t Nora avail until the Note's Paid is ttt8, a sum (the 'panda?roP l y mm at !.ender vn the dry teen Periodic Paf for.. an due cinder the Not. evid and other Itmre which as a? p? ? this _dty a for Peytmn of amounts else for (a) aaaas and a Immobold M cam or Posmd I= an the Pro??' l(C) PU at se a lien or a oII the Prepestl , (b) WqA1 under Section S: sad (d) Mattgeps l a aanct, • if ' if airy; ( c ) &ny atae fi arery for a n y and a l l iayaraQax by Lender the PaY? of Mo?1 any. o of r aqte ?e Peeasbaas a aoooddaaace PaY+ble by Honowa 4 Laden is Eft of "Escrow item." At o ar at UW time With ? P?idisat of Seeslon 10. Tbwa lteadt ?eooaiwr lines. Peen. and Ase.tmeais, u dm* aA.aow a of the Lana 1 are ailed .eIIder MW tegaize dot Coa maaigr be m Bsaow Item. Honossor ahau JaNVIlY by Borrows. sad a sh dose fits t fae u r dds gcd dull Boemttrr ahau pay Lender the Puads mtish to Leader to nod= of amroaats to be paid aods this Secdao. any or W Fstxow Item. Leader my w1kift Borrowu's oDir ?rrOM°r s obl1uion to yy !e Paadt 1br st any time. Any aatdt waives rosy only be wift. lit hams f?trg? of such a Panda er any pay dived , when and where PaY". the Saimaa doe 1br any "??. Be bu b adult Y if Leodtr m9°ees, 4" ? m Leader nb amena" ,.b * PsY of Puad hay been waived by Laden and, ?egdde. Honower'e obiheooII to mab arch payaemtsm Paid yseere within such gate Period as Leader nay 11 1 "sa coradaed is this Sxodty IaslnrosesC as the teodpM sha8 for allpaspoees be deemed to be a 9. 1[ eotrower b obrigtted m pay 1°aaow Lem >e "cDY sad u" ie ruled in Section due for an Facmw Mena, i eIIder may etteeeiae ib ' PnraWlt to s eniver, and Donovan ba m pay the accaux be obligated nnder Section 9 to 401e under Section 9 and pay saeb amoont aad Escrow trams at any time nM b Leaft . F mY mroht the waiver as to mmyy or aI then by 2 notice lim in ACCosdam pay to Leader d l Panda, n in such MOM s. that an they Wilk S?Dn is red. upon such revocaka. gmower shall Leader my, at my tiros, r»lleet and hold 1*unds in an r? tinder this Section 3. I time specified order RBSPA, sad (b) not to awned des ?m? t? leader p,,* iradm a d= x yes Fey at afilcim to so Awy L4? shall ead'a'ate the amount of Pomb due on d w basis of current dun sad ? °? ItPSPA. tisane ftmw Itaalt Or othtrwi* in aocaed nee, with t0a°°® auatmades Of erpeadttares of A The Ptmds shalll be held m m iosdatdoa whose depssaANA," e Law. Ctad udift he Leader, Lender IN ao iasdastionwhe aft iaaaod by a federal agmcY. leader sYalt apply the ]wady t° ors are so in,,,* of in My p edeeal HOW a ?h Lon lay do BIQOw'a m ne laser duce' die titan sptclEad rider BBSPA. dau" 'UW'M 42 "0000011$ Oull let for Phali w d m oves - the PPUde Landes r rarifYiap Wt Lmwar *a Red 20 =ON MA a ductile. APlicable Law PWMW t09°u°d to pay Borrower any 1 ettc or q? Law uss. B t? sad 1 poldedr aa ? • LCA&rr Aball. ON be to be an Fm,& ag7 i- `:1114. bowavet, P V fir-s?°d` Lt-M-4ik Mw UMFORN nrs[ltL*axr BK 1889PG3522 Isitlais: C20 f mxn I ?yrtp, »... 00119r2m 116:69 pm (XIMURLAND COUNQTY tests sooatssu - vayc a a ?s 06-20-'08 11:47 FROM-Premier Abstract 7175456163 T-513 P923/057 F-566 *M isterast shall be paid on the Panels. l.mder shall LOSA 3a i 0503319br Fonda as required by RWA. gift to Borrower, without charge, as atsrnal aocosnting of the If thane is a WrIllus of Pads held in amtow, as defiled each RBSPA. Lander shall acW= m Harrower Ag the exroar faoda is accoed UM with JWPA. If these is a shorgde of Poach hell in escrow. as dafiued wader RiESPA, T eodpt dhaII notify Borrower B «xpuired by RBSPA, and Borrower shall u up the aborlav in accordance with R!?.SPA. but is no more than 12 moapay s Leader die amwst ry to of pmalca held in escrow, a deflooed render RESPA. Lender sla? per'' If them is a d elefidkkeie of Prods to Lender the amomt nwe nny to mute the ddid aoencY is dfy acBawrrrdatrancro as s r with RFSps FSPA. bet RWWA. In no et In nand Harrower shall pay o mtue than 12 monthly Paya'efflita• Fanft Upon payment is fast of all sty second by diis Secur* Ivauumem. Lender shall promptly xfihad to Borrower any hold by Lander. 4. C uwVq Lima Booawer dog pay all teats, auesrme na, cbersm Boa. and impositions attributable to the P ropaty which urns main pdmity over this Seaunly lamhrome, hawebold payment or pound meta an the Property, if any. and Co Bo rrower abdl13 Asescladcm Does. Pea, and Amenmemb. if any. To the extent that elm Items an Bscr w hems, pay them iu the aneoa prodded is Section. 3. %frower aL ? Famptly ditcbup any an which bat pdoeity over this Sec=ty tatftwast oaten Boaower. (a) ua Borrower in wrifin the p9um of the obgpdon aecumd by tie lies is a manner acceptable to Lander, hot ody so Iona a lien s or legal prfuaraf? each ngramme>b (b) contests the lies in food faith by. or de#ads apint twforoemest of the proceedimp which in Leader's opiumon operate to pevem the enforcemeent of the lien while those pnxmdiOp an pandiat, but only until much pooeedoye are concluded: or (c) secures Blom the holes of the lien an agresumul aatudachXy to LeO&r sAbordloaft do ban to this Samaity hubamaent. If Lander doknmm that the Pnvc y is subject to a b® whfoh can aluda peierhy over We Scantily Instrumme4 Letdet my give B ?? ? of edeatifyimig the Han. Wimis 10 days of the date on wbicb that entice is given, Borrower shag sae the lien or cafe one or mare of the aetiaos on forth Above ix this Section 4. L cadet my require Bortowa to pay a oW4= charge for a real estate out verif radon and/or agoctfgp service used by Leader in connection wlh this Loon. mprq fsssrsum Burrower ftO keep the iroprovemests now axisc or beaedEer arecad on the Property treated P againat out limi bas by fire, bum* Included whIlIn the term 'extended coverage.' and nay other hatuds incledit?d, bat ?? o ad Roods, for which Leader requires isn amoe. This Wwance shall be m Weined in as pacedift aK deductible kvds) and for the periods that Isodx rogaims. What Leader ngob= pumamnt to tbn chosen b ces eau dmp dosing the term of the Lou. The immance carrier ptovidlgtt the mosu= shall be by Boao subject b Leoft's right to dtppyxovr Boaower's choice, wbicl right shalt not be eaeteised y Leader may re quke Borrower to pqr. in connection with this Loss, either: (a) a ona-duis e for flood zow dammustion, m and =tae or (b) a osrdws charge for flood same desenal rim and mapplow or afrecl such , , . , doadon or ftditadm. Borrower s3yt also be te?oa? chasm d e o which tuatonabiy mglht the Federal 14-1 -easy MaaAgooeat Agency is coaeection with the to view of any flood ppapa mae claterninWomi setup have an obje *fm by Borrower. It Harrower tails to maintain any of the cova"m damped above. Leader mry obtain immerge revenge, At Leader's option and Do=wer's capenss. L cadet is nodes so ohliptioa to purse ray particular or covemp. Tbftv*=. much coverage shall cover Leader. but ml& or mi& Ti- prareet Bnaosw. Be ewerassonant 's egety in the Property, or the mmeeds of ft Property. anions any riot. Retard or liabiliq ad might provide Bawer or Mau coveralta tbas was pravioody in effect. Hanover S*wwbdgn that the: eon of the imussoos rovwye no oba-me t IDhlght wa i5casdr exceed the con of hworaucs that Borrower could have obtNaed. Aw amounts disbmed by Isades ender this Section s shall become addidooH debt of Borrower scanted by ids Security lmvummt. Tbw mm m ttlrell M " .? AW Faeir-FYris Iffi- teMM Ms uMFMK M=NZM PACIAW BK 1889PG3523 Initimb: _ 22 1??ten .ref r/aE (MH 1 q/ if p7pl wMYr DSMW2008 1:16:59 PM CUMBERLAND COUNTY ftW 200{4&944 - Page Sd rS 06-20-'08 11:48 FROM-Premier Abstract i A T 7175456163 T-513 P024/057 F-566 Loan XD • 9503219hr bar nano at the Note rise from the date of dbMareanieat and :ball be payobk, with sock interest, upon mum front Lander to Potrowa rogovedus j 3 , Ag iwtance poliiciet to pie d by Loader and rmswds of web poida d mU be nbjm m Lender's tiKkt m dmwmve such laaaUcim. dell ioclode a stud awtm dWm and shill !tame Leader a mortgopw aidlor as as additional loss payee. L tadee *0 have the risk to hold the policies m mammal cwdfim tea. If Leader mpaires. Borrower tdtalt promptly sire to I cmdw all reodgme of paid preadow ant mammal notices- It Borrower obtains any form of memeanee covwmpe, toot od wwm required by Lsmdw. for damsie m. or destruction of, the Propony. stock policy shall include a slaadatd mottppe clam mod shall muse La.dsr all mmgayee and/or as an additonal Iow payee. In the event of low. Sonowm abag jive preempt notice to the in enm curia and Lander. Lsstder may make proof of km if not made prromptly by Borrower. !!slaw Lander and Bmvwsr odrcrwin agrao in writiat. any imrnamss prococds, wbethar or tot site nadeetyiap hum= wes mqA d by Lender. sled! be applied to mootatioo or repair of me Property, it We restonih m or repair is e>edmonraBy feasible eta Lenders stcurity is not leeaem ed. Denims such repair and resmralion period, Leader shag have the right to hold such iasaatuce ptoae I until Lender has had in opportunity m impact such Property to =me site work has ban eoompleeod to Lander's satiefaction, that SO& itnpecdon shall be undertaimm pmugdy. Leader in" dubum f>?d oiaj payment or in a series of progress paymeau as do d work Unless is conpicted. as apram is mode is writing or Appliablc Law ecquh ii crest in be paid on much im anatot ea no be y Borrower any interest or earning on sock I m - do. Foes her public adjosms, or ether third memimed requited by Burrower don we be paid out of die itowaaoe' proceeds and Thai! be the nook obligation of Hortorrv. it the rtexorados err rePmir is not eoouomially fcasible or Leakin's ma roily would be lammed, the iatmmmea pmcmb atoll be applied to the am secured by this Seamity Inu mmacm wheeler or not dm due, wilt the assess, it say. paid to Borrower. Sach insurance: proceeds shag be applied is the order pmvided far in S cdom 2. If Borrower abaodams abe Property, Iaodor away tile. mejotiste mad satle my available ia99rance claim and reraeod matters. It Borrower don not respond within 30 days w a notice Ilom Uadw that the itteemsm carrier kw of a ed to settle a claim, then Lmdea may aopodue and saute do claims. The 304v period will begin when the notice is siven. In eidrer event. of if leader acs , dw Pmperty under Section 22 or odierwin. Bonower pereby awism to Lender (a) tlon owcr's rigbm to may inn emoe pentxeds is an otnotmt me m exceed lice smouws =paid a rider do Now or this Searity Inummeat and (b) any other of Bonower'a ftbu lodier otter the riskt to day totmmd of mrarmed ptemhms paid by Borrower) under all insurance policies covering the Peopmey. htofar ere such covemse of sire Property. Leader may new oho imamamm pox" dther to repair or arestaft ?tS are ? epP property erry or r m the am onnts mspaid under the Noce or m Sectedly Iusfromtent, wbelher or we ? pay d• D copmq. Borrower poll occupy, tatabW aid ere the Property a Borrower's peimeipal residence within 60 days afar the exewlima of this Scantily Imttmad and AM comps n occupy dw Property as Borrowet'a pdacipmi residence: for at haw on you aft the doss of octagmemy. Ulm Lander od wwiee apnea in writing, which ctmeeat shall me be ®reasooably withheld, or who eximmu g dn:memom pow exist which are beyond Owwwe•r•s coatol. 7. PrOwnd0s. MWokooaq sad Aroeedlem of So Pkepol); Inspections, Harrower shat( not destroy. -- o r impair the Property, allow then Property to daediu m or commit wamM am eke property. Whether or pool Donown Is trsidiig in the Pope ty. Borrower oWl rminttin the peope ty in order to prevent Me Property tram dcterioatisj or QeerpLLs in value dae to its coo ition. Untew it is detettraimed pmsmamt to Section S that repair or resmmtiom is mot oconotatcally It inamaese able, Bonower AM pro?y repair dw Property if damped to avoid farthrr deactioratioa or d¦mofe. or coodommoica Irroceedr as paid la txrswecdm wino damage to. or ale eating of, the Peoperey, garnmcr shall be mapoxdble for repsitdap or nobarimg the Ptopmty only if Lauder how mlowed peoowdo for muck Lehr may off I - I I I ptocoods 1bt Ibt rmpdn trod n=fafka b a parpom. the work is completed If sire hsmasm or eamdeaomdam ask i>•)? or is o eeri of peopeth Pjymp rt ere Borrower is not xUaved of BmmwWs atetadc an net sttl repair epair emima or tnaose the Fungous, ohltsadom for the mmplaiom ot'ssrh repair or r r><amnuiom. PA Y i k P-wy-jm mb Wkwrrrddb aurae wJ arom vwrx wzNr SK188.9PG3SZ4. Initial. - Fan Am Uaf on.dyr'Opm" wow. . I 06m art p6 1:16:59 PM CUM9ERLAND COUNTY Inot.020044W" - Pap 6 or 1 6 06-20-'08 11:48 FROM-Premier Abstract 7175456163 T-513 P025/057 F-566 Leader or its atene may meet rr aCasbk envies W Loan ID 0 9503319bc Leader may rItecs the [mains of es . ttr am me iatpeeooas of the AwPwq- If it has reasonable- Anse, or prior to such as interior riot doa grovatswis of the property, header &a S V& Bow nodes at the dsW of 8. too such an Loco A q0°f? SWA rmwmble cease- psplintlor. Borrower shall be in defth if, dmiag the Lana application process. Bormwor m AM Pam or wdties acting at toe direction of Borrower of With Borrower's kaaq pve materially false, tstiatea4ios, or imwwm information or statements on Lender (or failed ea provide LLatder With material inlormMioro) io conooceiom w6h the L°ea. MMWW represeooati00i 100lode, but are mat limited to, repeesewtione comcemins Borrower's ocQW4aCY Of" Property as BotroW& pdoclpi =aide=. !. Pfcftcdea of Leadeel Lateran lathe hops q and RWO Under INa Sex,* i(mtntraaat. if (a) Borrower lilts to perform the caveman and ag eemaxus eouldned in d ds f is JeSAI pmc-%fing that miser updk ally affmt Lad= s i? to the ' (b) Were l a Inwmcal (such as a pro aft in bantraM, probate. for coademoetwq h»'??y aodbr riBius erodes this Lie, me, for tadoFCssteat of a ilea bwhich may allele [coder ma dot of to mltarce laws or msalWex*. or (e) Barmwar has abandoned ft Property, Y paY hr whatever is nawmWa or sppmpsislr ro protect Leader's iotet, iU the pc and n under that Socexity . irrlndmg oyersY P>OSOCOWS ardlar assess" dw valve of des Property. and jectnift andVor * the Property. Leader's actions can lyclude. but are rat ImbW to: W PANIC any sums secured by a Ike wbmcb has pnonly protect its, over du ry fir. (b) aVP d g m moat: Wall (C) payidS reewenbh mwrneys• ha to ilk ft Property a&or rishn Under shit Secu ifY hm&Umew. ;0dudial its teemed poslaov is a b,,bWtcy Pam[- SOMUO " P-parly Inclodes, but is not honed to, entpripS he Property to mate champ locks. replace or board up doors and windows, 4rain MAW !Yom Pte see violations or dangMU Conditions, and have oteliriea _ . eliminate Itdlding or other code Socdom 9. Leader does no' have to d0 w and Is not under am or off. pAof gh to do Ladder t0may tats action wider sees inures to liability for act =Y dab ebH?. It is speed leer Rader tY dleiaB any or 4111 aafoDe au111oriaed under Me Stctloa 9. Aqy aoounts dbbuned by Leader Under tell Sect" 9 shag become additivaat debt Of Borrower secured by this Win' brovment. Thou rnromtt Shall bar ite30rear at the Bose tnse !stem the daft of disbursement and shell be payable. wish such interest, span notwe hum Leader M B"WU if this security Instrument is on a itambold. Borrower deep col* ,beau pw visio vs of the lease. If w4uires be title to 1be Property. the Iearehold and the he title dtau not aC me to gw met sing. map rmfeaa [staler 10. Mortpso IaWaraaoa If Leader required M.WSe iawtao0e as a t:otdltion of ,matins tht Loan, Borrower Shalt Pay the premitmts required to maionia the Montego lamnnoe in sffM. If, for any reason, the Morrgase Immlmce cwnMe required by Leader creases 90 be aVIdill k 1110m the aoonpapa )rotor that Previously povidod aaeh ineuWaOe sad Borrows wet required 10 make aepsasely designated pymsssa toward dw premiums for M.WP "suretee . Borrower dull Ply 1130 paemimaa regnire4 to obWa caress! SUbatanddkV equivalent w the MOMMC PT is e> 6wk u a ant atba utia y m ov*n 0 the coat to Bas~ of the Morep V Is arsoce Y in effect, Aom ao alsamae moatsga i.. selected by Leader. If labahntivliy mgaiv4w Mortpape verge is ant avsiI", BaSrOwtr 010 COVA- 0 pay to Trader doe assorts: of doe teCparM* PaYmsals that wear on wbea me, Oesipaeed ssozamcs eavertep ceded to be in Shoal. Leader will accept nee sad ramie dm a PaYONS khsftdiqg an AS a ma-tNSradablt bu cmrve is riau ne h9presW I===. 301 late rp30„Q shall be mew, the het Hutt dw I- is Idduady !aid is hat. and LWader 111111 not be required m pay Borrower say m earnings oo Such loss reserve. leader as an bger she Joss mauve pwaamee if .etage (in the am0am and for he period that Lewder ) peuvhle4 by as ium u sabered by Leader astia bcromme Insurance. It IDlt. is ob4iaed, and Isader rcgOiSes Impotently dookwed pWas ung onward tht premium for MWV ? It required deApsftd Mortgase Jamereaee as a coodidaa or ssaking dw Lora and Banoww was rya to pYa><uts toward tote pmamtatm fret Mortpp Iowanes, Borrower shat) pay dw peemirus P M V? tr timar_y?da brWA?dde M. UMrORM Q saxta >atr B( I 8B9PG3525 Fate AN Let (rrK gyJa?sr+l """.MO?ee1?alVolOr+rAa.?.rr ONIQ 2001 1:16:50 PM CumSERtAen coumry er.xr 200448144 . Pap 7 of 15 06-20-'08 11:48 FROM-Premier Abstract t 7175456163 T-513 P026/057 F-566 rogWmd to untw alt monpp hie in effect, or to vi& a tofao Lora ID # 950331Sbc ragaiaemea for Morspp hianaot ends is accordance mems loft reserve, uml Leader's pro for recta tesasipayoze or uuul ttardmsoa s ? been Itorrowar sod I ender Borrower's oWlptlon b Pay interest at the rant Provided k do ?? hY Lsw. Nodd ft in thia Secdoa 10 affects Morysp Imagoes nimborma T.-r- or any eatk ku Now. B*,""T doer not ( ?9 dot ptnrhty g the Note) for oertain laswa it may incur if repay me LAM a agreed. Bomowar is not s party b rho Mar{pie lmaram :anoe. aata p other "gum tleit toed risk 00 all Such bu rance in fbaoe if= tiros to tim, sad may enact I= Min rho share or modify their risk, or redone loan. These asro=ma am on terms and eouditioar that no ssdsffcc"y to the nnrt9age imae• sad the ocher Ply (a Parses) to these apamema. Thane a" roquire to men? umunr so make Mama" Preen of Mnrit that the mortdsje mom may btt- avatlshtt which ma Include funds obmzd 6 u°ns OW ACRUM As a re n g of than aQasmma, Lender. Ma aft ) >gY pu=hanr of drC Nate, aaolhet ineora, any er-iaSurer, arty other am or any ONUAts of eny of the ?iaf, may receive (directly or "reedy) Anosm that derive from (or nd* be tY. character Ind 24 a pordw of am WWa Payncas for Mottfaht Inesnoe, in earhea?e for dadn of Exx&Ykw em rtsade isagret't risk, or reducing losses. If such AVotg ea provides ent as a IUM of I Bader tapes the imonr'a risk in excheop for a stare of der reinsnraaoe." Pta dxr: premium paid tithe /sneer/, Ore arsaojemeae is o[im termed "CSptivc W Any sack stplan spa wHI wet affect the snooau that 11m.awvr has apled to pay ter Martpps Imtrraaee, or any ether reenact of the Lou. Smi apemeaa WM lot balsa the amount Bea Suer win owe for MurtpBt 1nrtQana, sad they wi0 trot eg" Bonvww to any rdaod• Imeraaw so tie Aoau 10- WW sot affect the H" Borrower h.. it any - with respot to the Moro p resume cerlaia n Ad of lfle or any tlthar law. Ihate ruts mar hreletk tie riot to ?t tnsrlornres, tot a? sad obtain cumd aloe of do Maetpp Ioaraeoe. to have the M dw don of • and/or to recdvt a retard of any Marfptia iiaatrrar t prrmhmw a ar M sueh eamailedon or tvmle?&, war erased at X11. pAndganuat or Myedatseons Wocaadr Fatten. All meow Ihaceeds arc hereby aadtimd to sad If GO property is devagerl, snob MisallU-112 Ytooeeb shW to applied to nngatdoa or repair othee the rVIoadna er I0PW is aoetomigBy fembl and Leader's fesamty b not lweasd. DEEM AaPtttY. it on PW n 1003dY achWPr0PUIY . Leader eo"emue the wo* has beca ? Md esedkegm s p -ad' own Ladw ? hated a oppormaity n shall be asdmubea Promptly. Lender may pay far der rVain b aid reader's teeteealiea In a td d aer pdwo is a aeries that such Seri" of Profirest WY?ts as dw work is eomplaed. Unless 0s it nude i ° w"ri wft or r AppIkaW w eader orj*j ,,n regsitoa iaaw 1 to he Paid 02 Barb Id VallsoSana Proceeds, L /ballnotba requiredm arninp on weh afted o"un pry Borrower Bqy aeu would /meceds. or W the lenontiDa or repair is net NOW-i-4117 faadWs or Leader's security or not b IIA en hued- G me excess Proceeds doll be applied w rho #um secured by Ihia geamey It wielia Provided for in Section 2. any paid W Bmrowar. Sch >Ksedlaaeoas proceeds shalt be %Tkled in the order In the eve of a teal to dnS dtxaacdoo, or loss in valor of tht the WWdlAAC0W the any, s shall be applied to the sums amtted by ells Y Imtram ene, whstber or 0- doe with US Borrower. qy, paidm 11 the event of a partial taking, democdca, or loss in value of the p"WW in PrWUW imnediae?y bdora the PUW enklag' dm&wA - a"" in 19114 Wild W10 tie fair tmrka value of ft of ?bY ids Seeueixy ioaularmt immedlagy 6tdbre the p}yyt?er Dean she amount of etas hander otherwise epee in writigR, the sueaa secured by this SeatititY Insttrrneot shalt reduced by tht PA v? >e F+waY-/studs l?tadrfvd3a Mae EMMI t nePrtttaWer 8K 1889PG.3526 lakidi: - rep Mye a of 14p eaq w,nr cur. owls/200a 1:16:69PM CUMSEPJAW tbl1N1'Y I-1-0 200440044 - Papa a d 13 06-20-'08 11:49 FROM-Premier Abstract 7175456163 T-513 P0271057 F-566 ? a. 41 ? aenonot of the Misptlsmepry Fended, smelriplied by the EotlowiM f w4oo: GO the tops loan >m 0 930331"m bt?ore she ashlar ?D`, drfnocdon or loss in value ataeeme of dw Sums seceesd icomodislrly before the par" entity, toctiam, of loss is vats diided by (b) the fair maloet value of the Property to the event of a pretrial bldog, dt>tttta(xion Aar' balance shall be paid b Bomwa. ftPn7 insmediakly telbre the or kno in value of the Pmpetty in wbirh the Aav Partial racy, deswetioa or lam is valtee la lea than the ?? value of the atety below ft Partial takimg. dearnx-don. or loss in vain. trolam BDrrower aed Lander o? eri?se secased as ks P shall be applied to Me font secured by dd, Secotigr Iastnrmeot or a tAs If dee Prapwy is abandoned by BOFMWCr, or if. after nod- by Lowder to Bomowa that the defuoed in the mat at saw) ofhm b malts as award to settle a Claire! for m O0fcw wY <a *iWn 30 es to days stew rho dare the notice is given, Leader is sodwrisod w eot Procfedf Cit X. due. ?? - dw P-PMY or to the some taorod Mixellimeons Proceeds or 0, raffy r or no then Owd Da+'h that owes Borrowreu gbr ataiom in regard to A?aaww proceeds. Pare ag+lnlr wbotn Botsowa ftD be in defjult if any action or proow ft, whotber CWH or lt%% mat, coati sasmit in lorfegms of the PmpnV or other matraist ? ? • d ?g°a ? in [wader's rrgiRS under Ibpt Semuity bnunmemt. Bo pderem o Lmon as oocu in the ?wpMW or Provided ia SaWan 19. by causing the action p or can ire proceeding in to ch a be d aingif nod, if a ruling yn Pr OWN *rh1hoe of the Ptopnty Of Ctha mat" is ndoQ with a ruling drat, is Leo or rips under de, jodgmr, SeCluity hwuumen. The Proceeds lam for Lender's iawe t o o *A hu ai of eels LaoWS iuuwnt in dW Prpecsy op-y M of hereany by awar aSwidgae wd tr and clam Ear slap be paid paid to Leader that uu utribuab)e b the imP t of All MkOMOMMUS , Aootedt dw are not applied w ScuWatloc ett rtP& of the property Shari be Sftdm 2. Provided fns in try in the order 2. Nnv l MudzIdOll UM secured by lwdiffcW= of Of de by Leader Not a Wafts= Bao?oo of the r to, far psym n or Smoemor is ISAM t of Bonowar fhdl aw GPM-at o rain the Bahia grAillod by Leader to, Bormwer or any Bonower. Leader shat) not be required to commence peocoodlop o of any SueM r or any 3--mm in larerest of r4W 10 tatead tame for pnyxw* or oahfrwin modify ammtisadon of df, eettt? rU hure t of Boagwar or CD swots t Leader dkit Security Joifframew by is eaadtigp right remedy including. without lisaiple'•an, n tr ea Ider'ntersest of Wee 0(r. forbtwraats by aminun t of n"e"arom **m emlda or St sloont is torewest of ht of remor in attwoama lw than the amount then d'ue. Thal f t:mat bedeany waiver of Of preclaads the e?ime of any right or remedy. 13. Joht and Savevd Labllty; Co-slora t; Sticcasso n and Aulgat Soo L Borrower Inotesmns O INK does not aaeq Nape (tea " h? avatai. %MUM. nay Mnon'er who CO- retdd. sod fees OW gaa7: Sn" and Convey the Cantles s lnsetest in the Properly trg(a) der rbe rdmef in le wale b is h0umeW 0* to lY alrigaetd b 1rRY air sans waned by dds of this SICadly I? tb) Is rots C' S- r* tasaramana and (c) spces thaw leader and Borrower cas to Now widmra tbo w forbear oCONSIVSK, r mshe asy aoootanodadam w Ah tgasd to the tmmr of 06 Win, Sol ject to the pfovitmon or Soodoa16 . any dgaWs Somcessor is under ebb %=* brsnwmeat in wddng muses. of Bentower who aSamoss 8as a oblipdow 4 lit. Borrower shah not be by Leader. "D Obtlin 's all of Bonner and winder tbit such refused dam let bewft lns?rsmwuf 40 bind 774 cOvGN m Of gods. (eawpel -Vdad m S-d ? and bewfit t ?° em bdright; right; of eras Saamnt llis ity freeeeeota avd arsigar of Lender. Irwin 3W 1001 #4V 9y2lptw) w OK I 889PG3527 DWIR'200s 1:16:59 PM - i . CUMBERLAND COUNTY tna•f 20048344 -Paps 9 0115 06-20-'08 11:49 FROM-Premier Abstract i ,? t 7175456163 T-513 P028/057 F-566 L"n ection wiIA ! er 3311br 14. Low Changes. Leader way charge Borrower fees for services rarod in conn paconnection wit b10 ddolt, for the purpose of ptetaeting l ssdar's istmtmt in the P=psry ad tights under this Swift IUwtomtmt, including, but not limited to. altomeys' fees, property Impaction and vaLtation fees. In regard to any other tees, the ahsentx of expteas w1hodty is this Security Iaerumew to charge a ttped8c Yee w Borrower than not be cotu rued as a probibido ton the charging of inch As. I ewes may amt cbargr fits that ate exprrsdy ptobilikd by dais SWM* ltrstmment or by Applicable Law, If the loan is subject to a law which sets mnumrm Iona chwgas and thu law is finally im gwmd so that the nuarest of other 10110, cbwPt cvUsmd or oo be edkcWd Is connection with Due Lon exceed the permitted Hn tr, am! (a) say such loss charge 00 be reduced by the amount necessary to ratio= the charge to the permitted limit; and (b) soy sew already collected hom Borrower which exceeded petted fintim win be tefimded to Borrower. Islndar may choose a mane this nftd by redodog the principal owed Under the Note or by nuddag a direct pnynagnt o Borrower. If a rellotr 1 retlsoa pdadpd, the restriction will be crated as a partial prepayment without any prepayment (whether or not a laapaymeet charge is prin-ridni for under the Note). Borrower's accepcowc of such mud erode direct payment to Borrower will constitute a waiver of any any right of ae=on Borrower ®ghi have arising owl of such ovtncienge. 13. Notices. All and= given by Borrower or [.ender in eonrection with this security Instrument most be it writing. Any notice to Borrower in cosooctioo with thi6 Set:arity Instrument shall be Ic m i to have been given to Borrower when maned by Ural class moll or *ban acutauy de8vaed to Borrower's Uodos addrea if no by other mew. Notice to my one Borrower shall conalmse notice w all Botlowm tstaieta Applic" Law otherwise. The ttodoe aftm d" be the Prop" Address unless: Borrower has designated a subsntttls' nDM addten by notice to Under. Boaower thall promptly notify Leader of Borrower's change of address. If Lender specid a psocedate for reporting Bolfowa's doge of addles. tbesBorrower shallonly report a clause of address 1laoutgh that specaded ptooedore. Tbo a may be only one designated notice address soda this Security Instrument at may one tram. Any emir to Lander shall be given by delivering it or by smtsiiog it by fiat dos mail to Lender's addneae stated herein units loader has dn3gsrsd anolhor address by notice to Borrower. Any notice in connection with this Seewity lnesrmmt shallant be deamad ohm bon given w Leader Uasil atamBy o-1 ed by Leader. If asy notice roquired by this Security hlrswment is also required Under Applic" Law. the Affhc hie Law dens win satisfy the CO°'erPo i , '.' _'nt odes this socu ty Imtrummt. 16. Goves Law; gtvesahity, Bala of Courssalos. This Set w* Issaumeat amq be govrtned by kderd law and the law of the ;juridic im is which the Ps *wq is located. An fights sand obligstian contained its No Spewity lashummt are s oNect to a y zequitpeeats and limitations of Applicable Law. Applicable, Law might espliddy or implicitly allow the parties to spat by contract. or it might be silent, but such a7enoe shay not be toterUed as a prohibition against agaeaoen[ by contract. In ft event that nay provision or dam of this Security iasouromt or The Note c m2cm; whb Applicably Law. such C=Mct shay not oflect other provisions of this Security I=Wm=nt or the Note which an be gives dam without the connicting p m[do . As and in this Sacuaity insromeot: (a) words of the mescaline sender shall mean and tachtde conespondhyg server words or words of mho fesoimoe gander; (b) words in the siagular than man and Wchade the (c) the word 'may gives sob disaeliou without any obligation P and vice sera: and 17. Borrower's m tataa nay stxiaa. Copy. Borrower shall be given one copy of the Note and of this Security lusrnmlaL 18. Thmall r etc the 1%aperty or a Bmdk*d Interest In Dorrawa. As Used is this Section 19. 'lalertat in the Ply" mesor my legal or bes skid itrssast in the Preptrry, loelo ft. but not Iimkad to, those becafidd inimm rars4+aed is a bond for dad, tonne[ for doss, 1-11- aka contract or escrow agreement, the intent of which is tits tsaaaI of title by Baaswer at a Uote date to a purchaser. If an or any part of tbo Property or any Isaer , in the Property is adder enmfarnd (or if Borrower is not a natural Pacmu and a beneficial interest is Borrower is sold or annafhT4 without Lender's prior written coseem PENNMVAMA-Shigis Per-rsede KWWoUls Mm 11M101tM INU2UN3DIT 8K 1889PG3528 laitiala: ?? rb.,.sas trwa Mra1o./lltrigay "." AM 06/192006 1:16:69 PM CUM MLANO COUNTY bM.# 200446344 . Page 10 of 15 06-20-'08 11:49 FROM-Premier Abstract 7175456163 T-513 P029l057 F-566 1 J? 7 , sbaS not Y require hum mmats Pey?s m foil of W NEW seoated by this Secvriry lagraunt. roan rD f 9303319br However, this optics d by Leader if a ch cxudae Is pmht'biiad by Applic;ew Law. If Ltmdat surcim this option, I e ehW give Boaower notice of mcceb ados, The notice shah provide a of not ltm than 30 days fmm the drat the notice is girl is aaordance with Section IS within which %no period 1111012 lecural 6y this Somity Iowa m . If no=, 6115 to vrer MW pay I eftler may iavolrt any reasetltp permigeA by dds Pay tuft sums prior to the espirados of this perlA If. 9raelnt's gUgilt as Rdaatahr After Amd &M 0 bWWDW a? filrdl- notice or demaod o ft ft U 1 119 dsh, to dote hate hav e?aameot of this smmty bsa>mmeat dwoodood at y time prior r0 the conditions, t ont ttn ? B shW htve DIY Pia -0 as rosrsiaed m this Y lntxrtwent. ad, sec-* Ins ae -ditions ass a" Bon werr, to Wiawte: or (c) entry of 8 this S-fty g[eets (e)I»otrattmeut and the Now as if m 2wab tion. Lad (oatured. (b) can any 4dmgt of S woe= be 6, nod, odw 4mis; pays an Ismu attorue Pity inepetaoo lad odv la lo dons die including. but net limited to. raaomble tut"M- f, ?n tie huj_b' lad rigba trader this hm &a ad tether ma 1OL?°d 4or the purpoac of pmtecdeg Landers m4? to Blame that Lender's i+uaeat in tLe?y hteatattxol? (? haloes sorb action as Lander may n=Kkmbly obUpdm to the $002 Secure P by this Security inavftuto shall cooitlew Viand Bt?nowcPs May thst ctah; (b) money order (e) cadged?che* bmk din 00 or Mon of k the following ms. decad o "ahler' t lull as tr ided by W dawn upon am inatitUdouwhoae deposits at iaa med by s ?s elect or or uy such Meek is Pmods TrwA. Ilyoa r cat by Bonelrar, Ibis Saa ty I= U=m and obligation a cu b,.by gun re=sin -Cellntion undo Section ig. a had oemrred. However. Ilds right to rd=t= shall not apply is the sae or 29. Sale d Note; ptaap of Loam ( with Chia Searity Imo) csm be sold one o<? ` * The Non or a parlor Woven in the Now resole a a with dM im See why b (lnowa ac the "Loan noose times without prior modoe to Dogma. A" mi S«miry Iawtmmanr and per e* od one mOMW loth Servicing oMWbons under the Note. Ox ?h [n aunt. AppltcabL- LAW. Than all A be or more cbaggp Of the Loth Savicer MCINad to a sale of On Nave. If there it a comp of the Lano Setviotr. Borrower will be given wrlow mdce of du; tdtttoge which will state the am and aft ca; of the new w? notice of Servuw. ?the addism mta of In ? paymmts lbould be m We nod soy other infosmatiot XWA regrdres in connection Luse Sa vim adw than the poidma of the No servicing. If the Nose it sold And dweafter to the oLow we is tacvicad with the Ilan Swicer or be transferred to a muoeeave Low late obligations obligations vuamed by y the ?? Note wa me x a own otherwise psovhded by the Now patehaer. pathaaet 1mlem Neither Boar a er nor Lender lathy commmoc, join. or be joined b nay jodwW acdan (as dtba ss irdividmtl WPM or the atemberf aCh) tkt WWI dons the o&er p"Is WW= ptusnant to this Sec city hatramms or that alleges the the other Pony any provldoo of. of arq daty owed by re-on of, this Sown* Las wuxt, nod) so ck Bormrrer or Lathier Les nodLed the other p uq (with such antics given in coapliams with the regolrexam of Section m Oft Icorrecdre mctiou Appyfbk Law Pcovida a period which mat dapa be&- caum notice uka. that thus laaW will be dumaed to be raunumbb br Papua of this pwagaph. "a ogee 'erica can be oppornaby to core given to Dwower Pasant to 8 shall be deemed to ?y gx to Sodom 22 and to mice of stueekradom givaa to sw psaaamt of scodwation aid notice as Ga 21. le o@rnsar as" Ssbsasmeea, As used In this Seadomo 2 (a) sum auipm we these 2 of this ; dedg 20. hou dou sabstsaees, pollutants, or waves by 2-immm aA Law mod the following tmbaamca: gene, PA . pa°Rf ??rai, alarYt?d?s 14e S1NNtlottAr ttgi it py6Prr 8K t 889PG3529 laitials: Fioasat! Uar Oases yrf/ryamJ wwv Wt*2008 1:18:3oPM CUMBERLAND COUwry kWLe 200"a3aa . Peer 11 at 15 06-20-'08 11:50 FROM-Premier Abstract 7175956163 T-513 P030/057 F-566 L r Bano3abk pezvo co Otbor 0s ?mvldehYde and r?ndtaaotive toade pcuw is and herbicides, voladle So v? r 319er Bratriab ofd f]eaa+P' iacla e?p dvt tClpe to >tegth) olbty or =Vbonnud Pin ( Bavjr? now: Law; and (d) as "Ea ' ??• l action. or removal a (d) as defined in Environment pp COO?? condition dot an can. conaibuae to, or o6erwiu tdUff am Boaow+er ahdl not cam or perodt tba ptalcsan, pee, d"POW. release: d do. Wyddog ueama a release may zy (aylt) dat is is a .a ?y o°?wer teal! gent do, oo affecting; the i?ed Condition, or (c) wbicb, doe to dw prgeacc, are, 0ew-?a?Of a Hazardous So among as Owtion slat advervely affects the Low. (b) which -ahse use. or atardae on ter Property of snap o9ee of Huardn, to d s !ball rnot o apply d o presence. approvdaft bs"cas in aoasmre?r residential naee and to mainseeat?oe of the Property ?ioe?ptd; ?dv? •m promptly give Leader wrineo notice of (a) any mvestipdoq daim, deveand, Iswsak or odint action by mW S&vunmgsal or regulatory n2ency or Boviressamoal Law of *hkb Borrower bas ai al know (b Co He in u Substance but a or hmilcd CO. don to any b Or dual of tables of avy Hazardous Sulmance, end ) conditio If Bermes leatna, or is n of . by OW govarmanual fd Aara door 8abftw whkh sdveraely affects the value of the remove) OF othcr umtdiation of nay Hazardous $ubeph c Meting the Pap"ty or regulatory anthoccas or any private party, tall any talon all otoesauy Zone" actiow is Accordance with Eovitnmmeaw Law. is proupidy on Lender for an Enviro ng bamn y???u any Obligation C7eaaafu. NON-UNIPPOLM CDVENANrS. Bo mover and Linder findw coveoaat send agree as follows: 2Z. Acedawdoat Besadim I ender akaU gh% man to Borrower piev, to breech of es App L- (last onot r pion ?tbaW(a SeBorroww d e yli (h) the acdom eeepi d to con So deffaaLa W wince the &ftk am b cured;. among) d t>t a to w the j rumor t. f to ? i dk* proee CWa myar of eke Seven aea/edby Ab Sacurft a¦d( acodanUoa and the id ads slaps in Property. Lander d*U frttber ittorm g r at the rig to rehow_eyiftw dgk to the fbnm*w re procueding do teas-aartma of a -a* or Mann of Burrower to 1100212rudion -d P NO of rs all sins W Is not cared as spates Under me Ift apdm lard - mbag S Ndatt by a sneered by 0& pO? Security tkai I bit nodded to mA all?d eqmuw costs of title evidence m do a I Verudttd hY Apok" Law. ° 'but cot baited to, attar aeyse t 13. coavsyed"tom anPaymment d of all ? by do Seaotity Lender S Ww=mk sd fts y?ty ?+?cot sad the "aft becogew Instrument. Bcraawer ding pay any toeorded= eons. Lander zosy chap Sonow for =:tldn SeNri IvAblounk but omiy if Ile he is paid m a third party for aesvicea tandaaed and ty Law. tee awging of the fee is prtieoitd 24- Walvvv- Bottower. so &a extent petpdttni by Applicable Law, waives and roiwes any cam Pnceedlegs to, aafaoe dds Security for stay of execodoa, eon of dean, oaf Y waives the benrfn of any deems stead eja ?. is atancbmamt. Imvy sad sek, sad homestead e?oemppo?? V' W P F++aD)-A??o. M.dE?,e;, Mom CMt1?oAd tlv31ttC1 4K.1889PG3530 Imislals: FWVU MID •'+??eJferepm oa,trmoe ,:,use aui ( - . -_. CUMBERLAND OOUMY InY.a 2pp4163µ Pape 12 0 16 06-26-'08 11:50 FROM-premier Abstract 7175956163 T-513 P031/057 F-556 w F, 1 T, " _ 95 of bid "ere r ? nie ? o Pta+ided io Secdoe 19 ahaB terra d a 6n hBourr peA? m ? 2i A1re6ne M Pennant b this Sanni acquire title to the p?Y, tM-vw q .1 Ow deft WMUW by W, so..W i. hta j r}ry? temtatt sbstl p e moaey? 10 B0'sowes m me Note ++at? Donowgr A&M teat tee h== tax PMMNWV. bit aaw a or in an &CCkw . ?rtpt;{e forecJMw shaU be the rate PaYek *am don to dar un k ? eorered am Be S1o oNr- Bl DW, Barmwer aeoga aad Wm to the ww and t»ve,= eontainod lO tbis Sscvrity tnmumew and in aay Radar "wored by DOM%er and recorded w$h IL wimsaaes: et f 7 CLayton (Sap Borrower -BonVWW (Sod) -Boaowmr (Sa0 `Sormwer Botrowea Borrower ?v r+mrb-ter u..m.+a? ase tiaaQOns aasp? 6f.1889PG353I sw. eras tnt ?,y, a err t?wtw www. ovlw2 o 1!1&59wu 1 r, kwt# 20044W" - PKe 13 & 16 06-20-'08 11:51 FROM-Premier Abstract Cwdfkau of Iteddenee Loan 1A P 9503319br I do,xtdfY tut dW Pled- address of the WkMwswled moryygft is 300, Donia, ltarplaad 20716 4201 nitaballvilla Road, eta. Witness my hand this 24th dry of Novemb", 20Q4 Asew w#"- COMMONWE"TB OF PENNMVANIA Llf.(?Q Cowley hN: On dds, the 24th day o[ 3!Mrasbahr. 2004 , bdQm M. the MdaW oed offim, psrsonany apI , xichallo Cia an known to hoe (or tadsbcmrily pwvm,) to be the pero*s) Whoa wme(s) bohnmmrt and wt wwkw that ?t T Mo Ned dw same for the pln is po>es bQein cold m the witLao IN WITNM WHM=P. I Leretmw set m hand d ffi y an o cial seal. My CoaaNdaion Expires: ALSEAI _ 110TARI I &MGM. CohrbsOnd Title of OFBoer my E hsha 1.7006 PACMNZ v F+?!-thENp HAWFroddle star Ul4OttM DMIrtlt? OK.1889P63532 7175456163 T-513 P032/057 F-566 Initials; s namLO yF•lfl4 a o o6ltp12008 1:,H:soPN r __ COUNTY halt{ 200a,{83µ - Page 14 of 15 06-20-'08 11:51 FROM-Premier Abstract 7175456163 7-513 P033/057 F-566 SCHEDULE C ALL THAT CERTAIN tract or parcel of land and prey, situate, lying and being in the Borough of Mechanicsburg, In the County of Cumberland and Commonwealth of Pennsylvania, more partkcrlady described as follows. BEGINNING at a post, comer of lot formerly of diary mod, now or late of Harry Snyder, and the building One of said South York Street: thence southward along the budder line of said South York Street sbd Mrw (69) feet to a forrnaly of W.E. Hoopes, now or lbrmerly of Mrs. John NaRor, thenoa westward along the line of said lot one hundred and eighteen (118) feet, more or less, to the center of a twenty foot alley; thence northward along the carrier of said alley sixty-nine (69) feet to a lot now or formerly of Harry Snyder thence eastward along the said lot one hundred and twenty (120) feet, more or leas to the place of BEGINNING. HAVING thereon erected a frame dwelling house known as No. 426 South York Street. BEING the same premises which Edwina H. Schnebly, Widow, by her Attomey-In-Fact; Sandra S. Strock, by her deed dated February 27, 1998 and recorded May 3, 1998 in the Office of the Recorder of Deeds In and for Cumberland County, Pennsylvania, in Deed Book 172, Page 972, granted and conveyed unto Noel Scott Clayton and Michelle Clayton, husband and wife, In tee, of/iwmoe 1:18:69 PM I Certify this to be recorded In Cumberland County PA Moo ..,?r '' o Recorder of Deeds 19 t 989PG3533 f - CUMBERLAND coupny 'Im" 200648344 Paps 15 d 15 VERIFICATION r---- 1, lwww An*44-mV (title), depose and say subject to the penalties of 18 Pa.C.S.A., sec. 4904 relating to unsworn falsification to authorities that the facts set forth in the foregoing pleading are true and correct to the best of my information, knowledge and belief. By: Washington Mutual Bank Name: Title: G Zucker, Goldberg & Ackerman, LLC FRP-104983 W 0 C7 t na r? C:.Ri1 C71 Ta C? q SHERIFF'S RETURN - REGULAR CASE NO: 2008-04221 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS CLAYTON MICHELLE MICHELLE GUTSHALL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CLAYTON MICHELLE the DEFENDANT , at 0018:20 HOURS, on the 24th day of July , 2008 at 426 SOUTH YORK STREET MECHANICSBURG, PA 17055 T/fTrTTTIT T = ('T TVTnTT by handing to DEFENDANT a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.00 Affidavit .00 Surcharge 10.00 f 00 38.00 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 07/25/2008 ZUCKER GOLDBERG ACKERMAN By: Deputy Sheriff of A. D. Washington Mutual Bank, Plaintiff vs. Michelle Clayton; Defendant(s). I Hereby certify that the last known address of Defendant(s) is/are: 426 South York Street Mechanicsburg, PA 17055 grc i Attorney for Plaintiff CIVIL DIVISION No.: 08-4221 ISSUE NUMBER: TYPE OF PLEADING: PRAECIPE FOR DEFAULT JUDGMENT (Mortgage Foreclosure) FILED ON BEHALF OF: Washington Mutual Bank Plaintiff COUNSEL OF RECORD FOR THIS PARTY: ZUCKER, GOLDBERG & ACKERMAN, LLC Scott A. Dietterick, Esquire Pa I.D.# 55650 Kimberly A. Bonner, Esquire Pa I.D. #89705 Richard P. Haber, Esquire Pa I.D. #202567 Eric Santos, Esquire Pa I.D. #201493 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 (908) 233-8500 Atty File No.: FRP-104983 Zucker, Goldberg & Ackerman, LLC FRP-104983 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Washington Mutual Bank CIVIL DIVISION Plaintiff, NO.: 084221 vs. Michelle Clayton; Defendant(s). TO:PROTHONOTARY SIR/MADAM: PRAECIPE FOR DEFAULT JUDGMENT Please enter a default judgment in the above-captioned case in favor of Plaintiff and against Defendant(s), Michelle Clayton, in the amount of $127,399.51 which is itemized as follows for failure to file an Answer: Principal $121,486.64 Interest through 08/25/08 $3,783.53 Attorneys' Fees $1,250.00 Title Costs $525.00 Late Charges $ 243.41 Miscellaneous $ 53.93 Total Fees $ 57.00 Total $127,399.51 plus interest on the principal sum ($121,486.64) from August 25, 2008, at the rate of $18.31 per diem, plus additional late charges, and costs (including additio crow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortga premises. By: Sco A. Dietterick, ire; PA I.D. #55650 Kimberly A. Bo , Esquire; PA I.D. #89705 Richard P. Haber, Esquire; PA I.D. #202567 Eric Santos, Esquire; PA I.D. #201493 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 (908) 233-8500 Atty File No.: FRP-104983 Zucker, Goldberg & Ackerman, LLC FRP-104983 AFFIDAVIT OF NON-MILITARY SERVICE AND CERTIFICATE OF MAILING OF NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF DAUPHIN Before me, the undersigned authority, a Notary Public in and for said County and Commonwealth, personally appeared Scott A. Dietterick, Esquire, attorney for and authorized representative of Plaintiff who, being duly sworn according to law, deposes and says that the Defendant is not in the military service of the United States of America to the best of his/her knowledge, information and belief and certifies that the Notice of Intent to take Default Judgment was mailed in accordance with Pa. R.C.P. 237.1, as evidenced by the attached copies. Scdtf A. Kimberly A. Bomar, Esquire Richard P. Haber, Esquire Eric Santos, Esquire Sworn to and subscribed before me This a day of August, 2008 Notary Public My Commission Expires: MARIE UNDNER NOTARY PUBLIC OF NEW JERSEY tr'pmtr * On Wool 1011012011 Zucker, Goldberg & Ackerman, LLC FRP-104983 A3V GMU 343AM Y3M WO 40 3" VPATOK t tOsvmt eg%d nowlWAN SHERIFF'S RETURN - REGULAR CASE NO: 2008-04221 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS CLAYTON MICHELLE MICHELLE GUTSHALL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon r'T,AYTnM MTrT-TRT.T,R the DEFENDANT at 0018:20 HOURS, on the 24th day of July 2008 at 426 SOUTH YORK STREET MECHANICSBURG, PA 17055 by handing to MICHELLE CLAYTON DEFENDANT a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 10.00 Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 38.00 07/25/2008 ZUCKER GOLDBERG ACKERMAN Sworn and Subscibed to By: before me this day Deputy Sheriff of A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Washington Mutual Bank VS. Plaintiff, Michelle Clayton Defendant. TO: Michelle Clayton 426 South York Street Mechanicsburg, PA 17055 DATE OF NOTICE: 8/15/2008 CIVIL DIVISION NO.: 08-4221 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR B Y ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TENT (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER DAPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICE TO DEFEND &LAWYERREFERPLU SERNTICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3166 . 9. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Washington Mutual Bank CIVIL DIVISION Plaintiff, NO.: 08-4221 vs. Michelle Clayton Defendant. AVISO IMPORTANTE TO: Michelle Clayton 426 South York Street Mechanicsburg, PA 17055 FECHA DEL AVISO:8/15/2008 USTED ESTA EN REBELDIA. PORQUE HA FALLADO DE TOMAR LA ACCION REQUERIDA EN ESTE CASO. A ENOS QUE USTED TOME ACCION DENTRO DE LOS PROXIMOS DIEZ (10) DIAS DE M LA FECHA DE ESTE AVISO, SE PUEDE DICTAR UN FALLO EN CONTRA SUYA SIN LLEVARSE A CABO UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTE DOCUMENTO IN'lV EDIATAMENTE A SU ABOGADO. SI USTED NO TIENTE UN ABOGADO O NO PUEDE PAGAR UNO, VAYA O LLAME LA OFICINA ABAJO MICADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR AYUDA LEGAL. NOTICE TO DEFEND & LAWYERREFERILU SERVICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3166 ZUCKER, GOLDBERG &ACKERMAN BY: Sc att a. Ymet&4" Scott A. Dietterick, Esquire Attorneys for Plaintiff PA I.D. # 55650 200 Sheffield Street, Suite 301 P.O. Box 1024 Mountainside, NJ 07092-0024 (717) 533-3560 FIRST CLASS U.S. MAIL, POSTAGE PREPAID 104983 70 .t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Washington Mutual Bank CIVIL DIVISION Plaintiff, NO.: 084221 vs. ; Michelle Clayton; Defendant. NOTICE OF ORDER, DECREE OR JUDGMENT TO: Michelle Clayton ( ) Plaintiff (X) Defendant ( ) Additional Defendant You are hereby notified that an Order, Decree or Judgment was entered in the above captioned proceeding on A-4-4? 7, ( ) A copy of the Order or Decree is enclosed, or (X) The judgment is as follows: $127,399.51 plus interest on the principal sum ($121,486.64) from August 25, 2008, at the rate of $18.31 per diem, plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Zucker, Goldberg & Ackerman, LLC FRP-104983 Washington Mutual Bank VS Michelle Clayton In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2008-4221 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Scott Dietterick. Sheriffs Costs: Docketing Poundage Law Library Prothonotary Levy Mileage Surcharge So Answe s: R. Thomas Kline, Sheriff BYE;, Real Estate S rgeant 30.00 1.55 .50 2.00 15.00 10.00 20.00 $ 79.05 / M• ?? Cnl ? r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, : CIVIL DIVISION Plaintiff, : NO.: 08-4221 vs. MICHELLE CLAYTON Defendant. AFFIDAVIT PURSUANT TO RULE 3129.1 Washington Mutual Bank, Plaintiff in the above action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 426 South York Street, Mechanicsburg, PA 17055. Name and Address of Owner(s) or Reputed Owner(s): MICHELLE CLAYTON 426 South York Street Mechanicsburg, PA 17055 2. Name and Address of Defendant(s) in the Judgment: MICHELLE CLAYTON 426 South York Street Mechanicsburg, PA 17055 3. Name and Address of every judgment creditor whose judgment is a record lien on the real property to be sold: WASHINGTON MUTUAL BANK Plaintiff NORTH STAR CAPITAL ACQUISITION, LLC C/O DAVID J. APOTHAKER 2417 WELSH ROAD, SUITE 214520 PHILADELPHIA, PA 19114 Zucker, Goldberg & Ackerman, LLC FRP-104983 t BOROUGH OF MECHANICSBURG C/O DAVID J. SPOTTS 36 WEST ALLEN STREET MECHANICSBURG, PA 17055 MERS, INC. 8201 GREENSBORO DRIVE, SUITE 350 MECHANICSBURG, PA 17055 MCLEAN, VA 22102 AND C/O LAWRENCE T. PHELAN AND FRANCIS S. HALLINAN ONE PENN CENTER PLAZA, SUITE 1400 PHILADELPHIA, PA 19103 4. Name and Address of the last record holder of every mortgage of record: WASHINGTON MUTUAL BANK Plaintiff MFRS, AS NOMINEE FOR THE WASHINGTON SAVINGS BANK, FSB PO BOX 2026 FLINT, MI 48501 AND 4201 MITCHELLVILLE ROAD, SUITE 300 BOWIE, MD 20716 5. Name and Address of every other person who has any record lien on the property: CUMBERLAND COUNTY TAX CLAIM BUREAU Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 6. Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF WELFARE P.O. Box 2675 Harrisburg, PA 17105 7. Name and Address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: CUMBERLAND COUNTY DOMESTIC RELATIONS OFFICE Domestic Relations Section 13 N. Hanover Street Zucker, Goldberg & Ackerman, LLC FRP-] 04983 PO Box 320 Carlisle, PA 17013 UNKNOWN TENANT OR TENANTS 426 South York Street Mechanicsburg, PA 17055 UNKNOWN SPOUSE 426 South York Street Mechanicsburg, PA 17055 PA DEPT. OF REVENUE- INHERITANCE TAX DIVISION Dept. 280601 Harrisburg, PA 17128-0601 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904 relating to upsworn falsi?f,e-at* to authorities. ZUCKER G0yVBffNk 8/AWKERMNN, LLC A/ IX/ Dated: September 4, 2008 BY: V Scott A. Die erick, , A I.D. 955650 Kimberly A. Bonner, 'squire; PA.LD. #89705 Richard P. Haber, Esquire; PA.I.D. #202567 Eric Santos, Esquire, PA I.D. 4201493 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 File No.: FRP-104983 (908) 233-8500; (908) 233-1390 FAX Zucker, Goldberg & Ackerman, LLC FRP-104983 EXHIBIT "A" LEGAL DESCRIPTION ALL THAT CERTAIN TRACT OR PACEL OF LAND AND PREMISES, SITUATE, LYING, AND BEING IN THE BOROUGH OF MECHANICSBURG, IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POST, CORNER OF LOT FORMERLY OF MARY FISHEL, NOW OR LATE OF HARRY SNYDER, AND THE BUILDING LINE OF SAID SOUTH YORK STREET; THENCE SOUTHWARD ALONG THE BUILDING LINE OF SAID SOUTH YORK STREET 69 FEET TO A FORMERLY OF W.E. HOOPES, NOW OR FORMERLY OF MRS. JOHN NALLOR; THENCE WESTWARD ALONG THE LINE OF SAID LOT 118 FEET, MORE OR LESS, TO THE CENTER OF A 20 FOOT ALLEY; THENCE NORTHWARD ALONG THE CENTER OF SAID ALLEY 69 FEET TO A LOT NOW OR FORMERLY OF HARRY SNYDER; THENCE EASTWARD ALONG THE SAID LOT 120 FEET, MORE OR LESS TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED A DWELLING HOUSE BEING KNOWN AND NUMBERED AS 426 SOUTH YORK STREET, MECHANICSBURG, PA, 17055. BEING THE SAME :PREMISES WHICH NOEL SCOTT CLAYTON AND MICHELLE CLAYTON, HUSBAND AND WIFE, BY DEED DATED NOVEMBER 18, 2004 AND RECORDED DECEMBER 1, 2004 IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA, IN DEED BOOK VOLUME 266, PAGE, 2508, GRANTED AND CONVEYED UNTO MICHELLE CLAYTON. TAX MAP NO.: 20-24-0785-314. Zucker, Goldberg & Ackerman, LLC FRP-104983 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA WASHINGTON MUTUAL BANK, CIVIL DIVISION Plaintiff, NO.: 08-4221 vs. MICHELLE CLAYTON; Defendant. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 Michelle Clayton 426 South York Street Mechanicsburg, PA 17055 TAKE NOTICE: That the Sheriffs Sale of Real Property (Real Estate) will be held at the Cumberland County Courthouse, I Courthouse Square, Carlisle, PA 17013 on 03/04/2009 at 10:00am prevailing local time. THE PROPERTY TO BE SOLD is delineated in detail in a legal description consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE LEGAL DESCRIPTION ATTACHED AS EXHIBIT "A") The LOCATION of your property to be sold is: 426 South York Street, Mechanicsburg, PA, 17055 The JUDGMENT under or pursuant to which your property is being sold is docketed to: No. 08-4221 THE NAME(S) OF THE OWNER(S) OR REPUTED OWNER(S) OF THIS PROPERTY ARE: Michelle Clayton A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff thirty (30) days after the sale, and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it, within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, One Courthouse Square, Carlisle, PA 17013-3387. THIS PAPER IS A NOTICE. OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a Judgment against you. It may cause your property to be held, to be sold or taken to pay the Judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE. Lawyer Referral Service of the Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (800) 990-9108 (717) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of Cumberland County to open the Judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale, you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriffs Deed is delivered. 13. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the Court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office, Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013-3387, before presentation of the petition to the Court. ZUCKER GOLD /ACtEAMAN, LLC Dated: September 4, 2008 BY: V Scott A. ietterick wire, PA I.D. 455650 Kimberly A. Bonner, Esquire; PA.I.D. #89705 Richard P. Haber, Esquire; PA.I.D. #202567 Eric Santos, Esquire, PA I.D. #201493 200 Sheffield Street, Suite 301 Mountainside, NJ 07092 File No.: FRP-104983 (908) 233-8500; (908) 233-1390 FAX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND VIA PERSONAL, SERVICE BY THE SHERIFF OF CUMBERLAND CO. EXHIBIT "A" LEGAL DESCRIPTION ALL THAT CERTAIN TRACT OR PACEL OF LAND AND PREMISES, SITUATE, LYING, AND BEING IN THE BOROUGH OF MECHANICSBURG, IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POST, CORNER OF LOT FORMERLY OF MARY FISHEL, NOW OR LATE OF HARRY SNYDER, AND THE BUILDING LINE OF SAID SOUTH YORK STREET; THENCE SOUTHWARD ALONG THE BUILDING LINE OF SAID SOUTH YORK STREET 69 FEET TO A FORMERLY OF W.E. HOOPES, NOW OR FORMERLY OF MRS. JOHN NALLOR; THENCE WESTWARD ALONG THE LINE OF SAID LOT 118 FEET, MORE OR LESS, TO THE CENTER OF A 20 FOOT ALLEY; THENCE NORTHWARD ALONG THE CENTER OF SAID ALLEY 69 FEET TO A LOT NOW OR FORMERLY OF HARRY SNYDER; THENCE EASTWARD ALONG THE SAID LOT 120 FEET, MORE OR LESS TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED A DWELLING HOUSE BEING KNOWN AND NUMBERED AS 426 SOUTH YORK STREET, MECHANICSBURG, PA, 17055. BEING THE SAME PREMISES WHICH NOEL SCOTT CLAYTON AND MICHELLE CLAYTON, HUSBAND AND WIFE, BY DEED DATED NOVEMBER 18, 2004 AND RECORDED DECEMBER 1, 2004 IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA, IN DEED BOOK VOLUME 266, PAGE 2508, GRANTED AND CONVEYED UNTO MICHELLE CLAYTON. TAX MAP NO.: 20-24-0785-314. "Zucker, Goldberg & Ackerman, LLC FRP-104983 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COtJNTY OF CUMBERLAND) N008-4221 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WASHINGTON MUTUAL BANK Plaintiff (s) From MICHELLE CLAYTON (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $ 127,399.51 L.L.$0.50 Interest FROM 8125/08 TO DATE OF SALE $6,793.01 Atty's Comm °rb Due Prothy $2.00 Atty Paid $ 157.00 Plaintiff Paid Other Costs Date: SEPTEMBER 11, 2008 (Seal) - 40 Curt R. Long, P onotary By: Deputy REQUESTING PARTY: Name SCOTT A DIETTERICK ESQ ZUCKER GOLDBERG & ACKERMAN LLC Address: 200 SHEFFIELD STREET, SUITE 301 MOUNTAINSIDE, N J 07092 Attorney for: PLAINTIFF Telephone: 908-233-8500 Supreme Court ID No. 55650 Real Estate Sale 941 On November 14, 2008 the Sheriff levied upon the defendant's interest in the real property situated in Mechanicsburg Borough, Cumberland County, PA Known and numbered as 426 South York St., Mechanicsburg more fully described on Exhibit "A" filed with this writ and by this reference' incorporated herein. Date: November 14, 2008 By: dr 4 Real Estate Sergeant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Washington Mutual Bank CIVIL DIVISION vs. Michelle Clayton; Plaintiff, Defendants. NO.: 08-4221 PRAECIPE TO SETTLE, DISCONTINUE END AND SATISFY JUDGMENT TO THE PROTHONOTARY: Please mark the case filed at the above -captioned term and number SETTLED, DISCONTINUED ENDED AND SATISFIED, without prejudice. C> Respectfully Submitted: ZUCKER, GOLDBERG & ACKERMAN, LLC BY: Scott •ietterick, Esquire; PA I.D. #55650 Kimberly A. Bonner, Esquire; PA I.D. #89705 Joel A. Ackerman, Esquire; PA I.D. #202729 Ashleigh L. Marin, Esquire; PA I.D. #306799 Ralph M. Salvia, Esquire; PA I.D. #202946 Jaime R. Ackerman, Esquire; PA I.D. #311032 Jana Fridfinnsdottir, Esquire; PA I.D. #315944 Brian Nicholas, Esquire; PA I.D. #317240 Denise Carlon, Esquire; PA I.D. #317226 Roger Fay, Esquire; PA I.D. #315987 Attorneys for Plaintiff FRP-104983/dcr 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233-8500; (908) 233-1390 FAX