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HomeMy WebLinkAbout09-0643 SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 JILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & D FILE NO. 09-034560 HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Renaissance Home CUMBERLAND COUNTY Equity Loan Trust 2006-1 PLAINTIFF NO: vs. 69- Nathan J. Serino 202 South Penn Street Shippensburg, PA 17257 DEFENDANT(S) 6y3cy-w,i COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOt DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ,-ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 09-034560 HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 PLAINTIFF vs. Nathan J. Serino 202 South Penn Street Shippensburg, PA 17257 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 0'/ c/3 c"V 1 COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1, the address of which is, 12650 Ingenuity Drive Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as Nominee for Fidelity Mortgage Mortgagor(s): Nathan J. Serino (b) Date of Mortgage: March 13, 2006 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1944 Page 2807 Date: March 27, 2006 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc as nominee for Fidelity Mortgage Assignee: HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 Date of Assignment: April 10, 2008 Recording Date: May 6, 2008 Instrument #200814725 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 202 South Penn Street, Shippensburg, Pa 17257 and is more specifically described as attached as part of Exhibit "A": 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Nathan J. Serino, 202 South Penn Street, Shippensburg, PA 17257 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of September 1, 2008 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of January 31, 2009: Principal of Mortgage debt due and unpaid $69,357.17 Interest currently due and owing at 11.19% per annum calculated from August 1, 2008 at $21.26 each day $3,911.87 Late Charge of $32.83 per month assessed on the 16th of each month from September 16, 2008 to January 16, 2009, (5 $164.15 Months) Escrow Advances made by Plaintiff $1,005.00 Accrued Late Charges $65.66 Appraisal Fees $111.00 Prior Foreclosure Fees $512.09 Property Inspection $10.50 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $3,467.86 $78,855.30 9. Interest accrues at a per diem rate of 21.26 each day after January 31, 2009, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff s sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DENARDO, LLC Date: C9 I In BY: Attorney4Pliff S & D File No. 09-034560 • Pr rt t t :.:c. t•itPEi=!.?'j`` Cst't;"f'f-NA f"sRR7 Pik Y 26 4d pro: • Qua ?o? A1ww 7'Y? Lir ?mr 1MmaMm+alm? DaarJ 33 -''c*'f? 11?AM MmtrlpRe a dMaian ofDeW Faaiio? Caapots dw) LOAN #- !!,#M?1 W NObUNM: MFRS, KVNtm?bor#: 100076600000588719 DSFIINMONS War& mat in mmmiw* soda ms of this dome mi Kede6aad bdow and odor ?mraitd- ¦m defined in Seed= 3, 11, 1 , I8, 20 sad 21. Ca ub hales t Mob the tame of aatlr mbd in this doctmmaat as also p vidad in Soo ion 16. (A) "SemNty luft sent" me m this daoumoay which in cued Mwcb 131k 3W wpdwmr vMillm A RMmi to &b docmm& (B) qMn"w " is Jko= J Bc??awa is d nno aor mdw this Security (C) "lYDt118" I Sion , lac, ,buts is a agmmswl. that is scams at a amntirree Sv?r ixmedor mdLr AWS aaoots m amrd •sli?a. >smst aces as t141a 8aarrl? LalawlrtblM.l= is mtmMt eoaiMioR ts?dat ft lays of D so addt+ees st'd tulephomrQ aamtimbar of .O. Bam , rdik bff 41501--2026, (D) " iMWW is Fwk ftm p a dividw ofDdba JWWAM M, C.ompao dim l4bmsddr its a 44P 0, aramrooladam; mmd eds sneerfbe lairs atNW* Yadc. LAmla'e sddrera "Mats" mdMay 1?a ' ' New Y 11M. M par Laot7 sate =. . bar owe and dabod NhffcR 131 2111.Tlrs Nobs abbot dad Boamc owes I. coder sgde &m med att 1Mm11 1 Ddlrts d pit debt in dmlt ?,? this debt in ?utsr P?e?riadic Paraa?4m sad tc pm?y the APR let AIL m is dsrm'bsd WOW nmdW dw bel ft "1 r of rsrhsirtv ? rr+b?,?+++.mrwn.?r?.m?ru?va glf?tsm?r p?a?q Fw,raas Im &Wjgr fflgFo mmmm=kl9k4PG2807 ;,. ?F. . ?.:. ? ? • t ? ?. ?- ? ? ? ? . ? ti { "LOMaY" 311l?i the debt +et!ida?oed.bmy.iIkeNool, phb i"wiK mw*------. f11d IaM doe•a?tlat3te Natef, aad aS nt daaaodsetld ' bNepewe„ p1?sbMeest, ' PM mealia all Riders to lbttr ? ?asltnlaMait tw ?oa+palsd ? are" Tlhe ?'xiders are m be - eae gtlod h]? ?WWWr L APLWL M Babb): bb R11o Riche Ci Cm dmMft RWw (3 Somd UomRmw p.1-4FW2ftRWw D abmWdy eetRWW nAppmuft Law" MGM. all OOA qpbcabb h&nk tote wd beW OW Ns, 1?0i ? andees (f>tat h?twa ffie E1?!' ?Ot 4f hw? ? We11 ? sage 3 . >PWMVAr ae,atM AawretM¦tr" mesas afI dress, , and o6w AmWi do as iinpased en >bat+a?rr of 6e Praprey? by a oondaa?ieiam aeacirrcio?o,, Ltxyroawspes eraoiatias a wnm'1¦r a?eohsOdan. (fQ "1rJaeh+atele lads T"M r" scm M tr-far of A=* other dm a ftmoam !v, ?y*mk. PIM TAIL a? b adrr ar audrariaea dabit avo ML term iodWu6 be Is nct limes Wo uv= ad ,bMio?o mopfim , t?fbnM?d b]? w F in ft" 3 .} " 11¦Mrrw fteemob" soma 0d . Oaoeepa?epon, settles "M MAWofdo for am=* pdId ?aibsd Sect?ioo) ? (f (om, o? . (#?? aNn or di oiler tairioS of or a?ay Put ofmv p CM? oo ?aoerae ? ;or (IV) raw-w sot ioiae o a ciolodow W bQ, nibs asd?ar aaadition Offt property. hvwmft"M/, aosp?mce pro?chmg 1i spinet gi till 1.31 1 nt 0& or (O) "Ptrieft a the O psi S*d and isommob a?r uader3 of d& ba tart. maem tum RE W b 0 Setfiem?a?t P?ocedoaa Act 12 U.S.- #201 at .) yard nil or X C,.F.b.. amyht fiaaa nafr. As owed m Eris ?" rates b alt #hat are irlrpasod reprd to a ?ntaldmatprre bm" e?ennE m a *Sad ljr ?etaeed ma?ass ban" nntlerr RBSpA. Y ( ° tr im sd a[Reata?w'" mewaa aogr prorty that ha t*m we to the icy, wmw GEM that party bars rammed Hanwwat% ob iom wader IM N ft and/or dds Semity TRANSFER OF RIGM IN THE PROPMtl y This awn* TeekImadt eaarrea roa L.e4dec ft of the LAW and aII nmwm e, exeenaism and owdModiou of the NoW- and the 1 of Haffows% cotaoa?s sad =der ft Sec airy sot and Note: OK f 944PG2808 " Iror this aono*w do" ?a?by acid ooov?ey .( ? TreNie?y tnooees oad00 e ande14?R.'?, ffie AWAWWW5 deserlmd prop" lorbd is dte Cow' of which curnmtiy hoa the addmee of M 9000 FOR SK*W 172.,7 -ytapMty Addmu): Soction: Bioole: IA* 'TC?CA'IT?FR Wrra all 6 ' a>PON nmv ar haroa8er aeacted as the peaparty, end an.- Ma md R P, NMI I saw Or bosaft ??? n a€ th° of AN ;s re g p o to is this *0 be owmW t i aR "Arepaety?Hate+o?ec nedacrbmk and hms boide?y to tbs urteeero Rmow by mu mm is $ppwrity lift I ? io vompiy wire Lw at cam. Ad B (r mook a liar Laaft ad d* % aoeodu Noy or all of dam iafbtiNey Le+acker b a t i ed ta, ?+eieaq on ft p"181W, ad to 408 MW h? ? ACCIOMW Of BORROWBR CQV&tAt M that BaMoW is >tnvneltsr aaiaed of 69 a tale bweby caavayed aad has tiva risirt m s and ooer ? We pmpwty wd do 69 P?upaety "the d& to the l ,c wansap? rd.v the6m! perratly sect b emy near of recaael. TMS 9BCURfi'Y MTREUMT combines mnftm, arM uft fie nabmral un and non-urrifbrm arAuanb VA WdW va dm by jmisdkdm to cow a , -1, n aeNrity +ent eor w ft Rw p mpoty. Bonmw and aa, two sad *am u fosaWa: L ftyaamt of 4 bwwr, Baeeww lMeoe, lAmrvw s Clm qm M d Loo Gtiarpaa. 8oerawwm a pay wbandw the PRA a4 smd abareat oar. the debt svidrraoed by ebaryru asd lecre ab¦rBe. due order the Nolen eaaowo dmR Am polmo t 6e Bo dod& 3. Pap mmft dace radar dm Nwa asd this 9aaeoiiy made is U.S. taumeoy..$owvMati if arq ohm& or odear iateerr¦rrrot reoai?ad b7? Laader as pesrmedt order $e Nob or i6is 9eoaei?r ?erepESpgmt ie mRreMd eo Iaatire nepid? Laador way mMMM mm any or all subeagaaot prpseele an coder aw Node ad 46 856w* In*mndt be made in one or moe+e of the Bdloariq? sDCtnW? as •elmftd by.Loodat. (a) omk- (b) um cb adw, (C?,. Qao" dak bmk a>recb, d+aae¦eoe'a died a %MNNNNFW Wcdrad? ay be lity, at entity or (d) aro iaeetreed s w reY, T?IINSYLYAM+A^a?flerM?YfF?1r1?M.d1Y. Mr?0B[l omm youm im 8K 1944PG2809 OR deemrod re o*W by Ix?er wbm neeod, " d at that booatioo in ? Note or al sine aAeer kmWm U MV deep oftd by Leeadar i4 aaoaiejroetnofm pR+?vedoets it? Soup ]d..I.eodeer w, ?7 !altereat a1Na+ett if ft piquet or pow pY?w we &Fjoidw to Lao o?otek I.esAer tray or etcot?t e1o0r p P PaY wont to 1 the Lao cmx wig waives of ao its to refte no t0 a skFt? tima pgi?aes in do 8 , is a of ft d da 1010 1 ¦p1? a tnno+eplr?. g eah ppniodic deete~ Sao Y?erder>,¦ed eaot peryishtut ? ttrods. Lstrder ?Y Loki :ate am& uae? nobn MMIVM If HortnArer dace toot do a ?vier6in a teaeeadde peed ?0. iNp al6ac,piy sach dead or tee droop to acimat ; If us d earoti i bees to the p bedeeeraotmder Atel?iolei dimredieMe?r eidrto hou6eem Akr adiet or okdm which Bae:owr;r mid Lave: now or in to flM?a Ltiodeer a 8oaooreyr from mad mmuft eaoawd, by d* monmum R or per?maieg to *"=Oak ? ? pay ? AM a' ?o'a+? r otirenwie dear,'bad in Section d eeppliad by Le Mw e?leedt be sjpW is does IN atoprat eiet'e deader the 1?1er Eb) pemreiped dote andear ie Nold: to) d¦e nadec s 3. SU& dal be lipw to oeecdr Pexiaeiia Ptiyeeeatrt in SO ceder in WM& it beo1ft fta, =own l?aas owmd to wq G&W womtol due t J1d rthr R*dWhnmo bd ode aftbiNa1L iocltdas a Pwiadlie! Payotmt vd" da%qoW i bde drape doe, the P-1 , nW be q*bd to am m?yI gmeat aced the lrte dww if ar n d w ones pedn ?c Prrj?ateet it = i ?t f9mWW ftem Bomwo to Are rep?egraent of do mtah atle+r ffie pa?ne>een isj?pycao bee p¦id m Sd1. To t6tr eanaatt tngr eacce9s ea m= =W be to wry lwam chereSes deco. V °f are at mm l?xladb It to ?Y? ?d then a derecr?Hred ? tLa Nale, ? eeLall be It to doe eder rho Of _' or eousI'tae& toe, o l or obop tLe amotmt of Per;o&cp4ymuft 6 ror mm" INML Bmuwcr tbedi to Lem an tire: day Periodic Paymanq >rrQ decor teadar the Nate, maul tfee Tiote is paid ? a ? (? ? do fur pays Hof imon r d?ae for. (a) tua ad amts and aunt itmm 'w am a?iin prim* ova I t O a >i M ar eotanoobeaaoe as the Prapmgr. (b) leredaidt omnd gaols on So $ if mor, o) pmdmm ter mw aced an I.e `? ?ieeal S; ?1 -ice ?( Idp?pe . ¢ WI cc " by samee ]0 7 a0 itmer ?.?.B..1p.0?r,, to a0©eor at ladr?erey dw Aaeeamoo% if my, be MCI by Bwmwe? eeerd n? disk Sm ??y ri°°e? ewd unamuft eW be E d* See" Bamm " sc mw Jim BoeawwAa I?fimaie?b to Lea>dra an nodao *fawn& eeedww r ` So F=6 Or 11? nms realm Tandva oblgWm tb peey = Aw my or A Bwmw Apeae. raMr?gr?,1.-?„ w!b•arr. w..1?.rr ?. ao? a??aWrmrr 11(1944P9281 o aMM • sowsm w #WA fmfVw Lonida *sl" Boa+o W&S fl-humifim .. to io.I.e mdW FW* J* signer 62 IbWm IOWA. ' lay bate each wahm = be*in , ib stet ow" of=* wwive Buff ow wheat said wheee pffJOW M rnroa¦I M ? aw%* w hm fbr wl?idii paYmaaat off ? be= waived 1•amlec 84 if under ant pi- a. aha?II hwJ* to Larddsr recd a boat evade paamrmrt wi n mCh am ad as IAadt OW MIft m"- to ¦ddw somla pgmralo sass t? rlrr?fl dsr g ? io be a ou a ead aoattsined iao? ?+3s Seem* Iffiol"m r used 9. If idaarowar it vbY/rrd a R'? ad Bamww A& to pey tb?o aanaaadt do fbr oa Bow III L ft adder Saodra 9 srd sml 8atowot do dm be ow Indw 8wyioa 1p "Mr to x?eatdear an . W L,arldaraa>pr>hw to wwvoi 4a 6o a l?reto?r Ipenar rt PRMIMR rear made by a .odds ' is aooorrlwanee WO $oetim is 04 upon a :e?oaadra; ebtA i 1 dl , and in each 2111hr ? tlrt Opme dbm regdiae?daie lleatim 9. I fir. at say 1?q? wavoOrd1MOla1 l? id m Idaloiaidt ( wlBeieat b uml& m O dnra ?eoidetl rddder ? ) Mt ID = I+eltdar to amply 9re I ofFwft maalmamn. ? • lender am ne u¦de BRA. Laaal?rr a?f lbyt+e Y3eme+o?? Items dae i die baaR rego afcar?eat dW rpMOa?bie aMliodrMas of aarpeaditaer or otbmwiea in acc oadsrwe wilt AppgOrbl Lmr. imsared by s hdKvA ageawy, d*wb rye 'the Poedr be bald in ra ice"= whose at caft C Laadw, if I,wde+c is an hmodioa whore drporih we so bured) cc is mW Federal liome Loan Bads. Lmdar shoal dw Ffth Io *0 Em m Theses ao lw am dad time apomill?ad adder ltWA Ler, dddt not a &F boldiap said die Fm am daR, y „emss •or hdernK os die and Law I t0 awbe sudt a att it mesa Ia ac to be pdd on=Udi6' Lauder x be regained n F" aw Ioemoat m die loads. Bee awe ad Lender an IV" in dw im p dirt dA be payid an tba jW give to Barium, wttidod clam an ummW ac oauaft of the oelas es If dteare is a stupl+ B of Faanis bald in esem+r, as deffamd wider RMA, Lander SW wooomt to Bomwa for to easel ft& in a wmrddom wilt XWA. It die is a a>dorlyp of Fwado WW in Comm, as d i ft i I index IMA. Leorlec rbstl ad* Banower as r odmd by RSA, aad. Bortowee sisal pay to Linda die mow aeorssrey to ap me shoet?e f aoaaedm-! wi* RUMA, but in so niare dm 12 mooft i= amwxwvr? m Is m? Fob bass in aamr, as de9 8peaeyd mAw IMA. Ladec RMWA, cardimoe?wt7b' RMAL, Comm then m mooM?agrsto eaiad up dre de?aiea?cY in ao I I shall Upon pgila+ant in mill, of on emir rammed Z'C so =* pXcml;* A. Ito Boiamrec myFoodabddbyUniw. + sad 4 Ream. Bcrvawer " pap on ?a?o?ible to do Piopaety alb3dt an aeadis? ar lpowd iaa an U ?i agAwooi?mDoes, leaeetroid payraaars ilra . ff say, base, sad Aaaer¦rdeaw, 9 ow. TO to ado olt= itomr am 8acraa Items, Han+awer doll pay them is 1!!e mariner pev+nded in Soedoa 3. ' Hm wlddt b¦a a?jaeiever os as Secamrity 8aaowar sbaIl doge of" tmiers B?ccrmwi . s)yiipeer iu fvIrft to * secured lag? lice. m a Mr .. aeoopmk Im ft bet m* ) lase 1A and 2.0 by, a ds?tM rgaLst.rn?roenreoR ergo in, jxvaea R. wblah im Lear?er"a? apaeaale b pt+e t dda etaobrowde0t otdto li6rt wltge sae pmdiq f, hot turd pch L.e?rier are Em to dds Secm ity see oP tltie Taea m reKan???t??-?r*r?re? +1rt.N1t.?.?..a?o l.a?s mgr alga I?er> Nm 0wsofx jow 8K 1944PG28 1 i If I.eodea doeeamaiaea Wb aayolt Wa Pi?gpoHa a+Y O s» s nett wlarob.+mQ aria a?eR ? .?. ire o?arar a as?os ' ???eo.'?p 1? of &-s dslrc on-. lrh lbart naRce is ft.& r dmd ON* ar eM am at mate the a cdow set f& above in We Se n 4 Leader may ragabe Sonoma b pap a am-d= ahwr for a real woe tart wadfieaaion saftr servme used by Ladder is osaa-aoe -- wild Wla Loan. ac hava#br lMMR=M HanMw dMA ]reap We warasnb MW ads* ?tr+apsrrty eanecrled an ? Prt+pa?tt?y iaaetrad s?imst loas? ? idoMNMd oon?aase„ " sad a' calraa 115'J" bl" *+ Fader 1!wm Zeds ltNaeaa +e alts?ll be ? m Wa 00=0 Ombft daddct s?) yard ?brr War pireiodi.Wad! Lrader?a?¦?s. Lanier sa?sina pwetaaot b We PIM lar eve" M We "M of bra Low Us Calaldr ? to Baeroaa?ee's oliaice, awtaseaw sW be ch-ni by a %ad to Laedw% d* wbich 9W sW sat be a oeceiw 4 t>xteesaoaad?: treader many Haaaarac to day, is c omwebw wA this Loan, either: (a) a am-um ehKV for uoM deasrs tLad, oaffia*n saa?r o =d aa?bsoggeet each lisae at sioliist?es aeasr wbidt Mwoo ft W& s such dale idaeion $a ar elra[ also be raspomaable Sdrtba papist al' fbea itraposed by *a Fei" in ootmeaiaa wA Ow review of au;? !toad some doeanaa??Om d?eoiion by BwToww. If Bu +ower finis to mambim soy of ft oafs am at* i arbova? lgxktkY relay obtain insonrmoe ??:at Land es epdon and s owo f-= a. L?der is ec Mu abiiiplaobrPe ar amp" of e. amh alat>r Cww 4 , or In 1A - 8ra"sa Ws 1!a0pee ty, or We oeaMadla of 16a MMW r?beHW:RE;;;9 or a vr+en p W? yr pmvlin JP Haaaa4FWW lsvss We Bart %W Al.- ios¦easwe ooworaae No obtained gr?attttly aaroaed We coataf tlat Hea?tarar?ar oo?d tram aistaoad. An,?y asoaartb s? by Lamar ?wdar• ilm $eotian S baoomas ukWosal Babe of Dorrowa swumd " Soft* InattimoL Tbesra mama abap bear iaaeP , N at ft Nob Ham Am rite daao of d"ubwmww t asd sW be itq** wM sA is+betaat, up m Halite from Le dw to 1 i aoe pplir3as tequirodbar Ixader asd renewals ofsaohpoiiaias %bs to Lmds's . todevoo paUaaey Am rode a soodsed aiame, d" I* bcdd Ow poli" andd is*ewai i kr. ff Lrsadw YeQraicea,? ? e Lender all teo of Pahl pedmiuma add renege! nolioaa. ff eaavwer obleiea hams at' ena M oova+W, Drat oRaerwbe by Leddac, far dsana?eto, a daaeealim a Nra+opaaty, ands poor" kWh& a atmdW moe is 51 elm= and a? rtme Lar>dar is moe1e*ee amdMr Iota addibanal km payee. rw.wrrv?wr+?-w?wra?+?..r.r?.a+..?r?.Rmw?c?rrea?rr. ama ,?.?? ? ?..rwwrw? OK 1944PG2812. .?-?-?-?- -- r-_---- ............ ---'---.?. In dle afte of kMS. Haatw+owwec Mhdl P'?°°Pt a' 0? to tliea mwhsioe raotit? read Leeider. Lewder V mWs aEless if ast Meuds ?by.Hoaerawett: iJlt w LMSIer Mod Hasnnrenrt otb¦awiae m VdfWL my mssw?oe wiMiMr aR oral dwe El- ww negoieed by I.eaday "be rpp?d Io nep?o o? ar ?epMic crew Ida sw res?raiam a n?ic is dbamUk and I Mr'M Meaeee?ity I,,is act bNoMsd? • re{i * ad :eew'reeMtlon live tlae > b bdd viols ieemeMeroe pe?ocoede low Under bas bead sn ttppactnaiJr to meat -mob Pionsy tai ant* dtavrnd?iYM¦ bseaao?tn?ieted?n LOA*RS aeledwod* pwvkw iwt so_h iaeporftioe? be wrdathiw ?LMeetier may m s of dabiaaMS piaoeeda #t an xepMin Mmd r+estarsoian in a plip Cr Awgo*b pwpm?aedt as the vrrerlr is compioeed. Umiep an tt?se¦erttmMM io wxltia? or rogtw+es maet+eat oa be ptdd m ma inaotaNeGS. P0"k i<+dedtlr wini rt be lion d b Baaokower Meer saetait or aaw r"irql pilblb or Ww ?be to of SOMM. If t1» is mutt aaM.m.ia awi? iredile at Imda's e y vvoald be lni=Nd,the iaMnamoae ?tabsil be appiisd b die wins Mixed by tali ftow -y him whew or not dw wlde dbs if Mapr, VU b Bommim r. Sach inssrmoe dqn be implied b the ankt p?a?+rI Md for in sa- x. Tf abaodoms lire ,Lender Mwq lfi4 I amd setae Mxy wadshle rowtmoas claim and tolabid n? ars" floes mint wWO 30 tbtys to a motioe em Lender d,at the itMMEM eaerier hie mead to Matde a dtap LMmler a= setdo the dOM The 304ky parriod WM beW' wba t$0 notix is ginm. in aver eve, of if I,eer<iepr ugWm d6e Pn"tty Oder Seoti= 22 or adearwllanm. Mas?/Ms (a) Banowees r4a to +aay noe pcoo, 6 in a mono vm to ewtoeed anpwd under tae Nate or its Swu* Imsaw m&K Mad. (b) aw odter a[He (oiler d tin ri ft b any reiimtd iOeo p imas 1 by Haan ? )i all ie¦oe?rn P19,10 i mad melmweMOee aiiterb or r+dwn doe ! MIlrojr ar to mtpetacl order the Hots ar thia ?imNt+wsmsaa?, w-edler a ?t t6es+dae. C OeeEPWICY. Baewwar AIIIR o=Vy. =WW*. Mid uae dts ft petty a BarroaWs perinapel lesidese a w:thia 60 days aver the axe w*w of this Sao* IoeMtat1 1 Mad "R bu Oman the ftvo y as Iloi =wW$ priaaipr I rasiiienor it d 1ow*t "6 yoar eiar the . wwiaas x.ees k vdiarwiae M?tess In . witieir cloaeouat &" mot be Iy? ar =kMS mom.....- Pecos ?St vhiOb on bsyood Ha vwWs "I ? Prewu "0 Mdoinima od Pi sleetlen of ft lMly; ?trdtMMtlaMS. 8aao?aver !?y or bttpair the Ply, oo y. sftw the ft 10 ?r m eMeMtiat?le a aaepaetsit etbar or trot Baaffew 1t i im !bM , so" sit r6 dn uNkftle As Ky in c ?o lk uAlm Barre 9eoliaa S 6isir or to said mibar l i l l i- Ndaa a &wmg . If msomAerlaas or peeoewde aMS 0 Owme iw WO nimp u, or I. odt bmteleaied wtoh a&abawe ?Ararepsks MA, 0 WRAIlm ? in a? a in ad? as wvdc is re¦plrMi. If tan Of Illil Mt+e nit b hair a reetam the: Ietoperty, BOM" r is not teiieved of obiipeliaa !br data aaMllPWM of Bads rapr?ir or:+eaWomtim. e?sre?tiv?awp. r++w?,w.r. erweti? ?. oMUOew sse?rr am" *WSW we swremp"t. OK 1944PG2813 apse ?.j Of .R__ ilk noomW i? =RIM *ago del 1"CMlee. nodft'stow time ism lo ? ?! a1?Alai' & Nwnm is Um A qm Bmro er " be in d*W j deft &a Low cow PON= aste or esvdr ?$r° di?reeoim or ? lifib ?aseoa??'s l?'?e or lonowds ooa M (ar °did?y RPM 1mt and d Igy OOM 9.. Hon~s of Pnp tbor Liwwft Um" ilk Ir#rt. II• (srj Haerooumr ?n!!sU? e1ri? ice' ) tbaro ? is s LMM?l oo.adiis. o ' rood mrdm 46 UZ - a lmg eeoenbr ova va =my a? bsalo?plcy?, probsep; for aoadeamslioa or hrh' ma in y, 9M T t or to mm= ba?a or or (c} Bay 6ss s6aa?d?anad the -part A- -A fw Pro Xpmwvw ig gouge" cam?y mm vim= %off I Uart in mt • ' cud Y has, r1°w same a 8sn weer tLia Security ?tso m* dt roeaeys?? td P its it (b) hi, ? ? Yrrroaeble kch g its sean,sd pasioa m a prooeadia?, $ not bursted m. a?odag the P pRty ou msloe" , or bird ad windows, drain water km pipes, cliaimab,e? 10p or odd =vvx or croaditiaw, and bsve um m tume?ti am ar R AffiouSit Lmdw my a" W" mm* *x $eatioa 9, Loader does wit brmo to do sa surd it nat mar saw dsi!? or tb*ow to da so. It is somw ad T iwan no debility *r scot taldayg any or ail avow ar?orlaed ands Ibis Station 9. My wwom dubueed by Lxrrder xoder tt Section 9 mW bye eddidooel debt of x by 96 Sty Imo. 7um m AO bow wow at a* Nuts cafe ftm Ow dab of to Bottom and shaA be palrrble. wlth vKh . Won =due *am L OWN P of to Ie.se.1? is an a le W, Beffewor shill o ? wo an at If we SOON* aoqubu in tide to so pt+sperty, tiro beseebold sad the ffie title ebwU smkss Lmdw mmm to the m wrist, nuwft the Iowa. ?• hrumme as a ooaditsan of dmo is drdat 14 AV p raquira I b do &oar tiaeMW "MOM rory? bm"" --REM-1 eaLjmmd& to be gtrimd by VAR" CONSIS mquaed tc imdae sf ? Issaimulft1110" ? iow+ a and Hea?war w" ali .P4 Usc praars arq? ? sb ebueio ea?ae nt MaetSeSe e??l ? 6 one to Ba own lbi tender. ?? msrrrer seleosed by 0?""ti?' ? r•?.h :.:.tee a+ao..r ewa? w?nr, SM WMIANOW HK t 944PG2814 if wbluadr}ly ogadvaw Mborp bomwie d trot LY# BdMM dog c w"M to pair to Lesrdor do unwat of 66 up ow; Ad TMO do when dw wov?etwae c omd b be in-e?t, Xa¦d r 3; wooapf. In wad:wal'e 16w¦a paymwaba as s - laws MM M in tiara of Morww UMMM suet IM loom be nan,edaodwbk, naewiihrpwadin f the #ot ds? is paid is 04 awd I? dawn not tae regmwed Oo psy Bomnift zW i aa- or wwaalibp an lorw nave Lu dwr = no ?ear r+egdm kw somy ?yme? i?f a0vuewre ? tw wslywgrt and far do patiod dawt rte) p?noed by nee w¦irelydbi+ Lw?oder w-ir bsooaawl nvwiitb?e, is obWbK and I.mder t+egearati wape?dy pw??waavalw d dra p?e¦? for Ian?taooa. If Ian' ?d A as a d°`E *a I'0w° and a Sor wLl FRwwMw?vx=wr M to= in or jai pwWW a Room ism 1 in aooar+9 wM o kaswrittwo batwm pe+a dar web tgra an a: aaril beormioMioa bry? AnpUwwbb 1". No6bg in thiw oae loom 10 41611 s j%M&%w qdL 0 aidiBrdo? tp ?grimletowtatPiro twlwprortriiwd w ibe Nate. Modp6pe Ioattwtacu reimbaa6wr I?eaader?ac ay ao* ** --bum Iha I?tab) fbr amain l?Owwww it mry Barmwu does not sepwy Ne Loan as spud . Bae ' ie not a Wdy b dae a-p? iorwr+us ev a chair kW Ak aat 611 anoh kWaMW* ft ilxr:e 8vm tiwaa b timw„ aad mwy aaltr iobo adt+ewmwat>r witl? adax dWahwan ear aoodli? fbir riwit, ar c+edaxe W oThm de m tad as aaz?rm" aoe wa?oCy b ? ioan+er PAY ( P egs, ) lb Q llMvIW My avai b inwurwr ?a make gaay watrrca ? itavdR that dae mwrar (whlclad As o?bir?aed ??aaa rchawr FBM l?tab0. wawatlrer inww w. any c+aiow M, aary? otba amity, ar aF ad 16e . wmdr he ( ! or mdbw*? =am* &d ftive *= , m (or nd& i ww a+r} a ? ioa of lowww•aboh prmrjdww iat ?ifwb a?iaMler 1Nleww?e of t1?e i s f j * in f o r a te ,, ego a ? f o pwid to 16e i w d n e ? , die w e i l l ilia' is oflm lemid"colift air (!)1+1,411 w/!k sNprawewww<Is wM iW 99M dM onsu r dart Bwa`l'+rm ho adtwd to ft Um ft& WE "t afi a' m for Mw ban*% do a¦reMtlt? Bug 0? or am In Mw?e*w Lwrana% w d?est (b) A" wwrdr Iw wid a* afbret so !'?M solww hu - if' ?- wo e law. Y1awww- ?? NEWwwwr fte"An " of "I boo !bw t? M wda"awrl & to It arlrr, arAMt? ? atN?-? attlaww?w ?w? bd iw? t4 biw? bnw?ee i?trmitwlwd wblwwwtlewl??, aMLwr b 1'adl?a a =wfts of I" ZCaw[watiew prww6lajww Aaat "M wraauaai of 1!a On of sa& !'aMwdkftm w I?MIiM. ii. of ldawir wwwn f'newrr1 Fifibwe. All ? pwo0eillw Are ha *y ull to and deep pwid 1'o IAader. l?llfit/?Y+tl 4 ?. wwo l' pow fte.f IN $WPVx.:w Fi1944PG28IS- H ft Ptopeety as i tSed, ?d1`iwtdedldgta PAN" tdsall appiaed to i?eoeettidn ar ? Daft ? a aoooo?o?r i?1?11de 11.re?"i y is. Proceeds I+ebder Loss bad i0?' i'°adet i ! Y &C want hws bean coed b x4odK% mail io?acliser dull be border pmugoY• Loidw may P V hr dns re?ir?e ??aboANian la a ale d araammt a ON of r payoo?eab r de IS tt mod, tidem fez made in Dwo" wt ?01,e paid as aob Idlra?irta¦R l?4aaade. Iaoder not bepey y >rt or etmi?s as saor ?£ die-:eato?iast or nql* ? eeot e?ovmi?y ib?rls ar bsade?a wu¦td 6a Xfoodhoom Ift a p la dM be =y'. ade etaw deia eeom'yr wisel y at co tbm' dt?ey wink Qax paid to Bae?v :Sac Il?oel?eraia?a Fkooee?i dmft'be VOW in dw archPffided ft is 9eat;on 2. In to event of a tog dowm*O , or ]ass in vahre of the tlhe Miaceil?eoa Ftooeeds dol-be b dte m o o secw+od by dtis Socwity jwtvmqQ? or not 6nm due, wish dw ewe% ' m?? Pdd tQ DWUM In dye eyed of a partial taldt? dgNne-A- ar bes $ vaino of tba in which the tbir aneetret vatae of tha Psopeit.r , betwo do lmrt? ?. do?a4n or lose in value is equal to or raw t me I IN of the stunt soc"I by &k Secw* Immmaw -6 rl du P talon dftmdkm, or fora a.aiae, ?Uaas Hon?ower acrd Lngdix Oft rwite is dw swm pscmad Ws InMCUOmt ? be to&W by the fto g afibe Ithpoollanins p pp Of to s , d Who Amq,? (a) ie lost onimmi aws aesveed bedbee ?? or JOIN In M" divided by ib? to dm waft vabw aftbe y the patted deed o or km in value. Auer Wow dwH be to 8owroear. oft Stir ttseri?oet value of ft downedak or loo in vtdtte of as, Propert)r is which tie vs>a is leas tlem the stowing of ebe some second or not Am-non hero lien doe. to the smas sectaed bydik Sex y Io rae?t w? If tlae Peoperty is ,tboodaoodby bo wwor. or it; oft noeioe by Leodar to govoww dirt i hrV (a deSoed in tie amet sootaiea offm to oWw m award to am a ? Say the OP'P?$*wvwit A& to 9"Pand cndVr -is a rb zd to =goct to f Wok aver db ds the nptbOe in aa, I. Y lomplow Proms& door to w or of?e orb tw elms -Ml by ? Semciiy ? whAff at oct fm dm. FIMW a?otoedo thbd F, a?r m obwet Benno?rerllideaatla0apgs lYaasedt or the ley t ftriornee call be is dodr¦lt d Mpd b AGIOSHOWM 1'ta?eMAN. = am d "ice' T?soda?"s ,jerdpne? oo?d i in or whey civil or MiMIMI , is ?La Aws is et, t ie the Prppstty oe cedar t? 8earrtl7? HEnrn aam cnoe s a dedplt and, if Ltr oboes rai¦rsie at pwjded i4 3 0 i Aio?o 19. by to Of ? to be dbmisaed with ai in Iocodm'a ,?dSraeot. go "MR ? wadt+e alter nsesrial of i:'aedae'e ialetast is are Yosoctraesot 0010 No =- ptau06 Of IW awed or claim for assigned andsweba ° t of Lenders ?,st in eye hup xty at bweby paid to Leoft. * ?.?nhu. ?.rb?r?.?w rMw1?N?uwarc OEM" ?.,?lr ?a ??K4?r..w? EKf944-PG2816' All 1AWed> oom PinoOplb'drit aae mt 16:r- moo noion or ?t of-the Pmperty drill be ia2 !we at+dee fbr is Sa l=K . . IL BW raWW 14 iRbelrnudro ? Ln1mrr Nw a 1Vi[wir. admmim of to time Rtr ar mod oa afaaa lsttiam oftbt: aaea aeanted by,him $a- - - boattet omm Aby 1 yf? Lauer to Bobo" ar air acseeac in trdow of Dmumm dwM we WOMAN 10 ?eleeee ?e liibi + of Ha?a?a?et a ary 3nccenan is bdeeat 4t Baro+ree: Ladw be :eq &W to uotaawtdaoie pROOe ar4-swan" ib boa* o[Boeetstsr or wroam to llm;l RA tim fw pte?neoR Nor adteewire saodt?? moe+Ilttmdaa of dts ? ae00" by d& 8mctrelly bovow" by mmnof mW dmeud rpsda by dta oar a Naar 9ataeaaoRS m Iutmtett ot'? Aay flxbetaatoae r Lraeder in a Nang rat at iatlo wi wt 1leitiMtioq Leedet"a rehpepdooe a? Sam 11Ud patoea, asow or e?oe. Tn?ra?t ot aer(be Harrd?ve?caayr in aiaou? lees d?eo ain mit d i dma„.drtl Not be a ?rti???er o?'ar pieciocb 9?e cm mtU s or wm*j? 11 Ce lg¦ara; S UMNI ors aasd BOMM . Hotttrwa ad dw saffomeft ow ow me"raL Howamr, Boe:trtoc wlto d dam bad dose Ms ae Ncft a am tltie EaettNamtrt to ?atet add ooavay die p=o=Uy MLpled to pig the i?anall by Sh Soon *11 1; ad () N) is dw Lei Ww and rq? atleer Bonoww 00 a-me 10 aoaml, modl6,- £abw at ni*e my aooama?odaliaas wi& nowd 'b dte Wmmt of d:ie Seam* b*Uo at or die Neft wWwW the SmMM Lam. dtall a6taotsmrof Boa+osratm ittid? 6aomlttm ,toiler this std a by Boam r dall not be rdemad fbom Betrn? s Ned HAilftq Iosmnow adsa LoWw aaoets arch ealeaae is ° sed s Seam* b 'Ad bend (map a pravided in Seadan ZM ad batdlt the wooaacm and sadpm ofLetidar. 14. Loam Laakr MY Baio w in U eervicrn I' is med in onion WA Hannwtr's de6mlf<fbr the pmpttle %" ? LaadK% itdaoeet let the Ptn?peity MA rWo mi r this Imdeiooma4 i og, bed toot limiMd to atbatmow fleet. pcapmtY inapegian and valwetian ha L in try nw oiler, ibex, tleo absence aFatpeeas aetliortltl? is dt? 1r+Mt'nme¦tta a ft to Boeaonser shalt wt be codadusd Ms a on the dMI%ft of "* f_ may not cbtege Am *9 are =pudgy pabldW by tfvs 9 city or AppSCahle Law. Wthe Loan is 10 a hm aft mmdmm km -h I amd dt law is fmaily inreepeaeed so thtd $8 ate0 P, or odor ooilbaamd or to be ooBsftd in aamedian with ttlo Low anQealdl the penpdupd , lhaao: tal wda bats else eiafl bs:+edsaed by dte amanumt n?ooar?eary do s+edae.e the ohae?s tof the tnd mq mart air ooilloaled S+oo? Baa?awor wltioh ew;oosded WE In ii0 Haua?trer. Lmkt my chaoec >n mete 16is nehted by rata oww Now the Note ac by minis a dhct Psymmo toNaWa a stedo?l wd1. b y r a ? will aotadt?eme it wiiver of mat?dio?n Ha ? My v* -it m? h?aaa mmwg Nat of ,etch avarchatge. -. grL??hurat.? ..wr ..iw...? a twi¦a cr QM" ftwom I ft lw?u4't?? 8NI944PS28J7 M NeOM A I '=A= IM by.Bortmtlm a L.aitder. is =mActi0a-w o ob SOMA gamest •MM be in wdb Aay nWm to asm in =mod= wide tlds Se?p?ty h y d to bean ID Honow it wbea ad" by &a airs ME or Hori+owo s eddnes if soot by outer mem Noetoe to any ane Aonawer abaa? com?smome notice to all owevil. =kw A14iiosb6r Laver odwwim The ooobk?e wddr sMU be the ;Additew >ntiaws Bos?ewrer desir¦wle a l9bod me notice adt+ess 'by nodes to Iaaadtir. lboR• 4r I,aetder Of ,i tb ?Har ebwt[ Ititie¦der epeai?'aMai ou?e ?r ch?eof anty >r¦Poet a cbs?e of addoees trwt speeiQsd praoe?e. Y 0* ow dedprned aotioe a/deess n¦dart6is atailMW woe time. WMEMMMW etpod .Le ip dtsw*swtsd aMtaiir? pewttN 11 m to I ,anAny # Arty ftft notice in c?onmoe" with fib mtbe d OWN bla sMa Bhose em Sirar to = a? mmuft repaired y rib p hw mder LM 601 ??:+aoemeot8eo¦"igw t hmalimm md* is twavom Ala ?>liorntywstsat. z6. LM. S >iMys .t Caet?e ellrs-116 smoty. I *om nt &W be Smwood by . Law sad the taw of fio bdia = in whkh to Pftpwty is b ftd Apt riots end obtipdans oouimem, a iu ft S q"' stye ee?bJeet ? +,?? sood letiens of Applicwbk Les. A z,ww? aid) or a>b,r the Pw dm to epee by oootW a it nit eiil ok b 1alloft iai not com"W a a p tin wpb of a eemeat by aao1rtae1 In the event that ?qy vmvioim ar clssee of did Saw-M Waim mar dw Note amm* wig A led, I h, IYw? awed eee t d" net apt odor PWVW Imbummt or the ate which on be even eilbot witbosdt at As awed in this Semrlt3r b *MUM (s) wards of dw aawsaaiare?de? shall man ww?d igch?do om neuter *Gab of wmsis of the fiemini¦e tom: 01 waMs, m the ai Mr shed nam tho plum mast vice verse; wmd (c) ft w d "hWa Slew sc& Wbbotaa worry omiid a to tatoe req? actiar,, JAI, *"TW"Wq liosanmumk- e COWe Bomma eiisll be givrn we copy of &e NOW wmd of ft Security 1L, Trarsfer of dw NIFOrW or r BON& al Iw trut In MMewws: As used ja this 1a, "St*arewt in the homey " mswos ow lewd or besaffeW imbewest im ft PmQaRy iacl+?ng, but not > bay 8?aoe beoeFmlat i?sta+ssb trae?+ed ic? a bo>bd mr coaonax fio de4 r w a at afd asks H vot or m w the k*" of %%& L the of title by oe:awrer wR • 5uaa+o dm to 4 ow a If e11 ar wary pwtt of tlam ?r ar soy Imoesewt in the agape m sold ar tmardared (or if Boffowff is ON =ftd wit6aut Ikea PmW it bmdffWd Wow is Bomaper - is OW or trsnst?aai? Ladwan OIL,& ? ?wept' #aaracnar, ffioa piEio®Wirednr+c dby I if If Lander ea ApA" Law. L cod= 60 Bwrmww notice of aooslanow lbie natiae shall ptw46 s P net 1qe lm 30 5nm &c date the notice L im m=Wmca tilt 8ecdoa 13 Wawa which Bm"a mgot w all same eeaW+ed by this my Iaw m m tfBoaaaaoc lbtb today am wems prior to the ?? ; I,a,?,r a„y B o err cmnedta P ti7 ? w?t noiioe or do mend on era,?rr?ru?r?-+...unwrrr.wrt?c?rru.mrr .pwq n..?a. ua.M.n?,.?i BK! 944PG2B IS 1!. H?n+dwrir'ei i ft 1?l+tbslila AAir aslieeMerw If $aeero"M now owida aoadidm HM"K don bm tle ' ' to lettna .at?lpoootntt at dio BseeMtigr Imin?ment to Wuo("aWWW9d' oontieeted d&et* ?hsdlea?so?'?r P 4 other Ofs IM- fine tsr?o?mattiiwt at L 0 M111000ft, SIC uwjp- EPOMY or .= dfi Seaarity Iran apeat. ?boas oeadiEieas we?tlutHa r: a Leo?er vans wliid? fbea wnaaid be dee aadaer 9* qr botedmedt and the t+iar s acodKN* , bW ooa 14 (b) amn deWtt of my Q&R OK"M or Im"Mo t? (c) pp all oo?oasos if, iacaarad is eafo 1bi? Secarhy iec?Ua not wed tin,?bie im?eelion eed ?ahrelloa ?er,and abler iaeaeted yx ? of Lmtatd in tlw ykopotty recd twdar dog ari (d) teime . acts a L dw pr!? teaseasbbr b roue fhat Lmdto'? bz h?Opot#y ottd ate * dds SaoW* Feat, and HoavWW% 0o p y dr wi¦r aecnted by tbois 9eaaliy taarsmerat, sbsti antieore emo Opt Laoq Badcwar as alamp t omos sad eap=4W ilt ape or mace offhe it ibo, as bar I.ve r: (a) aeh: (b)awaey voter; etll?ed o brit cl?¦ok trerrtaR"s ar caii?te?a? P?+ mY ss deck is t earn npan ae imamim wiwe &p ow an iced by a odeocy, instrameablity cc ee ?; or (td Bleobooic Pb¦wie Tkwto?[: illiea meat by if no Koeh?iagen' MUMMAA H Raver fine' debt re t ys a of t?eierstlaa aadw Saotioa M A Salo of NW% of li ana 8er eel Nolieo of Gels eaea. Tha Nola ar s perdal irtmeost is the Note (*Dpdw wjt lids Secna'ty IndmmmO caa be sold a+v or morn tumee wilhm prbr noboe W Boulaww, A mie adot rwlt is a chmp in _ do entity Om, is the "LLAMM tad X1000 Dior da NoW6 ? ¦?eet. aa! law d aet? ? I.oea w¦neYrd io a rte the Nola If ftcae is a dragps aFf t>ts Loaet $a r" wn be men wRipeo a0liee of dw chop wiles wilt etabl fbe mmee rod so= of the MW LAM 9ertwar, ffie addroee to winch payleL -' d be mob iod any abler i II as WA s+egrlres is eoamodrawielt s nodoe of'haotfr?r of mvjciag. If do Nola is sold sed d -eoii 1 the Loan is serYioed by a Low Swikw abler tbea 7v of tp Note; dw taon oewip abl e0e to Hommw wX 7b?loia wife $ea Loam Sa tbw at be =i a woo WW Lars 9pi6w and are notaaemad-b?rthe Nab pat?wrts atl?srwise?vnjdod b7?tba Nelspeetoi?¦sec Neoifher BateawW car Lendermwoom ma%,;essy at bo joined tPW"W",e Cr m "-Fbbd SO" or the maooberv€ a r bet * m f0nt pa or a b Ime y xastttiedeat or drtSo aaa Han r 15) of & iety owed wed by?o af* d& alderpoety,? (wind e4eh,potion diroa n? ooat5oase W M M dw- Of Sedioa 41 allepeelbta;a Now eViasded tits elbar 1ar?elo aewnaaeebiapeiod sirlrttie pivi of SO& atone to No Corm Ndtiep. if Appiwleie LM eO iieo time plaod rich Hoer p! to elopa bane aaetdn sctio0 sea be teibet?, f6¦t fiats priad w>3l be dsarri to be b Ssr pnupasse of tisb pata.1l?e notice of a0oeietedaA asei apparlrasigr b c¦ee ylaea b i?lorrowror doem to rod do am" of aoadamm oa to Bmorwae pnt?ot to ftwft 16 dMbe eo" 60 ac?oe ad appubw ty to tdoe voamd" artiaa p wider of thin Section 20. rLY.Yap•?rr. .arri?wwriMfl?CwAa?l1?[ If . Aerw ftm$w va OW04fi pro SKI 944PG2819 2Y. rtabslaeaaa. As ?.ia t1iiM Secfio?, ?l: {a)' * s>re . thosc subafam de ted d Ink or boooend0as anabofn w* p Roma or w sift by linvia?aeaotat Law ad the Iblla" eitiaaaaaneaa: ]a??roallea outer ANNOMIe oar baft P aerobic pea?iddea mad 110hVI N. IMMIKIab aebr oe of ?11l r; albDvAda » Bede bars and Isar o2:Jnl When ft >i nub ft b? a* or ("Ikivicaattnea W bWho eo my taatetM d OC&% or' removed as se do&od in Komi Lair. dead, aan ? aft"Mu memos s oondidit team== . Cd rite tO. Cr OtbCrw @ !r =%v' 0 tabta(I not•catu»o o? peamit doe poeae?o41M4 fea.1o, os aaele¦aa of OW Hsaoactioana 3ttbaattrnaaa?a, aa• ikeao fad} a;+ieatoat aaagr ll'tmeadoaa a?ow, an a is ilte !a ?sp?atlr, llanOW mall not dq. yam allow talon Qie to d0. t MR= do t is m viob" of ? =MMW I.4w, (b) wbiob o:aafee sa 8avha?esfal ct (c} which. d»e 1o the praeeaoe, me. to tnleana of a Tmdoas S>poe, tier s tbaat iX;= sl6aaatsthe vales of tiro hqpedty. 7be two seeafWN dWM eat sp* to So pe+seeW% Ono. ar. s1aa+Rape on w*4 oaY of nowdm : aeroee Hurt on to be tQ aysensd >poaidraalial taoao ad lb =600=0 of la urow pronqpdy Was" no" of (a) 4MMM Iowa * a odor ace= my at s?o?peY qpOd7 or F'vM !utY *WiV4 do Taw avul 304 laesacfasd (b) x Bnrlr?aahnraaatd Ca bmt liami?edw WOOL iic M met MOSIM OF dtt of a?k?ra of 00 -01 elam?. and (cj MW cn aawed by dire nre or releme of a iNaasaat 11 SlothtaMaae W" advanely arch 6e vaLme of the Q::?. If Bkrnvaea bartre, or ha ac ed by MW rid yr M_ idery sudlorWO at p?'y that my aae¦eoyd at atlrar =esodiolba Boom nmoaaw?y ebmaedad saatiana is diacn simoa iivtda l Vkuwm* l Law. Ne ift any ?a? ou I.eaader fhr an Bnvio;oaogental . NON U"ORM COVENAMM. Borrower and L=dff findw cowman and speo as follows: ?& AaCeisataAletr• RmlMa?e. LAWN, Ilea Ova soda to Du wipirr 1W to Laelaaaaaat p?raa?seaatiaa? ?iwrCIPPOWN rrrlrra?MrrMaaat !ate 6145 -6 N aslaeewlns}. ?r aaiaII lee:rirana?r eR ariaor DIi1?+1? ditill )tit two N am the Alan* nAlan* All t? m am (e) rill Nt >ea¦at efat anul {+a? re v Woodmiolks of anad"bar iM ?Md fr. idr ?. pee llaaey w Ins w Dtari=m d6i amt to ma le aaftr rraaealoaasa?fh eat ads et?Iat a aMalart fat tie rk r i daN¦re Ire anata• M of a t1o1Mt* ear tsaP d1?a¦oe of >larra?war it aeeateraroa star rar dwb. t tat so tas at Na t! top lalOrrat la M etas oaasa !? retlaaawi ¦? m>? faanw!~w tilt litae•!q?riaaa4...c i? pr+coilMaraN& L 404W aisl be !tarred ft Meet A lh of reaaar ? uhdis tide SeelNaa 3"t, ilat rt iral M fey aeler ' nand a" MS. attide Ira ate ea?taet by I ". M*dK&yAft&-O%%PWWft VInk- IF 0-- law BU 944PG2820 Dow NMRW &M *.'vjvjvpv ? } 23. R*NliL. Upon of W1400 woUmd by bb secm* do" l*??? si ou teems dC4' , l4nder ? I ODD. I.eaRltr my <o Boalnatr tee as ?ogeity ?'tlte lemmU of e is *d to a thW puffy for ""im ne 7m;d and g of mbe ibe is p a"amw d. under 24 WatlU& B ' to ow eadeiact peemftd by A* U*..w" and rdsmea a9r !ruw or dePiCb ffi asl ue Seeaig? aad ! Wal go ba t of mW p r M! in' or A1tm laws 11 for My of art Om cif times, a mpdm V? .1evy wad sale, and a?mphaae. 2d. llalo?l¦h¦ew?t & *M 0 i?t p PmVided in good= 19 sbali mtmd to owe leamr 1? to do i a no oea?t ofbid ft st s, or o&w-asb v -oarot mwow m tlds Seotutity Ia?ast. 2f?, lqt a Mnasy t£any of dw ddA mmmd by dds Boasts Jaauwmm is last to aaw+oww to sopin title to Pt+oQ", this Seamus ?atet?mmt slab be a pr?aMe MMW=otlow 27 rMQwM Rso Aftw AdpMML Hanvoror -Won dot the intent ?bc pey¦bla air • just is ono, tad on ft Note or in an aowoet of I'M I'll Ie ftwbmw ftA be the i*e pub t3?om th=- to time under the Name. ?¦x?v?r??,.N.p.rr.r?.?.w.r.?rw?l?.snm?a??waiNt per?q r...?dr Ua ?.rs?r?r?.u . OK 1944PG282 i BY S?t3NtNt} iAWi Baoinra?er awq* mood * lip to aim* and bova" oh oRed isnd is dde Secaadty h or?mt w card is mty Rider we?y Bonoww and reootdedwA int. Nadion- 7 Bac.Sad noty Seel -Bammlor Seal -Bonowet Sad -BODUWW [Spaw HelW Tile For /7'. 1 STATE OF PRNMYLVAMA' Cow se On due Mday of Mmm h , 2006 , befae+e me, the a Nohry C in and Jbr mW ? e eez ed 1!T> ) Sam amrd 0? l2V()Ve recorded to Cumberl?r? WTrNES5 my bond and a?trl earl. Cc u n rv PA My oommisdan Expha<: M k j • Its ra POW ? s. r?rw+?t??awb?x•:w?w.nn.ww.b?aw+K?. a? t?..str ra a?•n,nr,kww X i 944PG2822 ?. ??? 9?44PG?$z3 4 ?. ..l . ... .r. ... -. ... .. .. •.ru. vim.... ?.. ..e .. ?.*.? ?r. ?...-.w.??Y.rFt?r 4 x"MY7 man ALL that certain lot of ground with s frame dimllijW house aad other isqpsvvementa thereon erected,-situate on the Mmot side of South Penn Street in the Borough of Shlppenebusg, Cumberland GbLwty, Pemeylvan.ia, bounded and described as follow! On the Bast by South Pann Str+sett `On the North by lot foXnerly of John L. 8axner and now or formerly of Jalm Gutehall; on the West by lands my or formerly of the valley Malting CoMmy, formerly a part hereof; and cm the South by property formerly of the estate of. Anna S. Geiger- and now or formerly of George H. 1Gab3er and ft-Ole M. Koh3er, his wife, the said lot eontaInIng a fz=t:age an South Pow Btree'r of 4o feet and extending In depth to land zxw or formerly of the valley Baking Company 136 feet 6 Inches, more or less. rax ZV# 33-34-2415-051 M-194-4PG2824 FIXED RATE STEPPED PAYMENT NOTE THIS NOTE CONTAINS PROVISIONSIWHICR WILL fNCRUSE MY MONTHLY PAYMENT March 13th 2006 Shi ensbut PA ate rty [State] 202 South Penti Street, Shippensbur> PA 17257 (Property Address) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 69,600.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is Fidelity Mortgage. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of _11.190%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 01 day of each month beginning on May 01, 2006. 1 will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date, and if the payment includes both principal and interest it will be applied to interest before Principal. If, on April l st, 2036, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 681 Anderson Drive Building 6 Suite 600 Pittsburgh, PA 15220or at a different place if required by the Note Holder, (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $656.65 for the first 120 months of this Note, and thereafter will be in the amount of U.S. $709.93. The Note Holder will notify me prior to the date of a change in the amount of my monthly payment. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they arc due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if l have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date of my monthly payment unless the Note Holder agrees in writing to those changes. However, if any partial Prepayment is made prior to the time of the payment change in Section 3(B) above, at the time of the payment change, the Note Holder will determine the amount of the monthly payment that would be sufficient to repay the unpaid principal in full on the Maturity Date at the interest rate set forth in Section 2 in substantially equal payments. A partial Prepayment made prior to the ti me of the payment change in Section 3(B) above will result in a decrease in the amount of my monthly payments due after the time of the payment change in Section 3(B) above. If the partial Prepayment is made after the time of the payment change in Section 3(B) above, the amount of my monthly payment will not decrease; however, the principal and interest required under this Note will be paid prior to the Maturity Date. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this 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 me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment tome. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. I?IINVR111?11??9RIH11 C21281 Page 1 of 3 CERTIFIED ORIGINAL fRUE 00 Darryl IN. King 1?7 ? ? J ? ?? ? ? :: 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5% of my overdue payment of interest and/or principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If l do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me k written notice telling me that if l do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in frill as described above, the Note Holder will still have the right to do so if l am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorney's fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that anyone of us maybe required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Tnrst, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions.I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Lender may require immediate payment in full of all.Sums Secured by this Security Instrument if all or any part of the Property, or if any right in the Property, is sold or transferred without Lender's prior written permission. If Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred without Lender's prior written permission, Lender also may require immediate payment in full. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender requires immediate payment in full under this Section 18, Lender will give me a notice which states this requirement. The notice will give me at least 30 days to make the required payment. The 30-day period will begin on the date the notice is given to me in the manner required by Section 15 of this Security Instrument. If T do not make the required payment during that period, Lender may act to enforce its rights under this Security Instrument witirout giving me any further notice or demand for payment. C21291 Page 2 of 3 CERTIFIED ORIGINAL TRUE COM- Darryl W. King WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Nathan J Serin -Borrower wer Seal -Borrower Seal -Borrower Seal -Borrower [Sign Original Only] C21281 Page 3 of 3 CERTIFIED ORIGINAL. TRUE COPY Darryl W. King OCWEN Loan Servicing, LLC O? 12650 Ingenuity Drive O "C W E N Orlando, Florida 32826 December 05, 2008 W W W.OC WEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515124005473 Reference Code: 0810 Nathan J. Serino 202 South Penn Street Shippensburg,PA 17257-0000 Loan Number: 103054649 Property Address: 202 South Penn Street, Shippensburg, PA 17257-0000 PLEASE SEE THE ENCLOSED DOCUMENT DACr91.12 This. communication is from a debt collector atte g to collect a debt; . any information obtained will be used for that purpose. f. OCWEN Loan Servicing, LLC O? 12650 Ingenuity Drive O C W E N Orlando, Florida 32826 December 05, 2008 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE WWW.OCWEN.COM This is an official notice that the mortgage on your home is in defa„ lt, and the lender intends to forerloce Speslfic information out the nature of the default 1s provided in the attached Daggs The HOMEOWNERS MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be ahle to help to cave This Notice explains how the --ram -- .. your Q To see if HE P can help. you must MEET WITH A ON M R IT OiJNSFi LNG A N Y WITHIN THIRTY (30) DAYS OF TH . DATE nF THIC NOTI .F.- Take this Notice with y when you meet with the nu seling Agenw The name, addr cs and phone number f oncnmer Credit oun eling?g ncies serving your County are llctP.? ?t the end of this Not1 - If you have anv auechons you may call the pPnncylvania Ho using Finance Aggncy toil free at 1-800-342-2397 (Persons with impaired hearing can call (jam) 780-186U. This Notice ??ntains important legal information If you have any questions representatives at the /'nnen redlt Counseling Aoenry may be able to help explain t. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. ST NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS Nathan J. Serino 202 South Penn Street Shippensburg, PA 17257-0000 LOAN ACCT. NO.: 103054649 ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. CURRENT LENDER/SERVICER: OCWEN DACr91:12 This communication is from a debt collector attempting to collect a debt; any Information obtained will be used for that purpose. j„ OCWEN Loan Servicing, LLC 12650 Ingenuity Drive O•C W E N Orlando, Florida 32826 W W W.OC WEN.COM HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY -M ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENT . IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. CONSUMER CREDIT -COUNSELING A N I S -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, ad re cps and telphone numbers of designated consume e 1:! r credit ouncling@$enr.n? for the rnnnty in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatdX of your intentions. APPi I ATION FOR MORT A E A Si TAN - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION _ Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you.can still apply for Emergency Mortgage Assistance). DACT91.12 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. -A l _._.__........E„ i OCWEN Loan Servicing, LLC O 12650 Ingenuity Drive ocweN Orlando, Florida 32826 WWW.OCWEN.COM HOW TO CURE YOUR MORTGAGE D FA LT (Bring it up a p? NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 202 South Penn Street, Shippensburg, PA 17257-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 4 payments in the amount of $ 656.65 from September 01, 2008 through December 05. 2008 DETAIL SUMMARY Principal and Interest ...................... ........... $ 2 626.60 Interest Arrearage ......... , ............................ Escrow $ 0.00 .................................................. Late Charges ........ $ 1,005.00 ................... ................ Insufficient Funds Charges ... $ 164.15 ........................ Fees / Expenses .... $ 0.00 .................................... Suspense Balance (CREDIT) $ 501.45 ........................ Interest Reserve Balance (CREDIT) $ 0.00 ................ TOTAL DUE $ 0.00 .......................................... $ 4,297.20 HOW TO CU F TH nFIVAITT T _ you may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $4,297.20, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa, entc must be made either by Monev Gram. Cashier's heck Certified hee t or M ney?rder made p?ygble and cent to OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT URF THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise it rights to ac elerate the ma_ aose th d-ce means entire that the outstanding balance of this debt will be considered due immediate) and you may chance to pa he mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgagedTroperty. IF THE MORTGAGE Is FORECLOSED-UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If y-Qu cure the default within the TuIRTY QQ) Ay no o be required to pay attorney's fee • Re====?y u w111 not OTHER LENDER FMEDIE- -_ The lender may also sue you personally for the unpaid principal balance and all other sums due under he mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO S'HERIFF'S SALE _ If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right t? t6 a F dt and prevent the sale at any flingi 11,lil e hour before the Cheriff ale You may do?qby pa vingth e total amount then past due, plu any late or o her hares hen due r 9sonable attorn y fee3 and coctc enngStU with t for losure I by performing any ntber r?anirements under h moll Curing your- default in he manner set forth in this notic e will restore your mortgage to the same position as if you had never defaulted. This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACM.12 J OCWENLoan Servicing, LLC 012650 Ingenuity Drive O C W E N Orlando, Florida 32826 WWW.OCWEN.COM EARLIEST POSSIBLE SFIERLFF?S SAL F TA'I'L' _ It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer• OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SH .RIFFS SALE _ You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF TGAGR. A -- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAYA O HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT OUNSFL ING AG N IES SERVING YOUR COUNTY This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT91.12 A HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 v. Nathan J. Serino VERIFICATION The undersigned is Default Servicing Liaison of Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 Date: February 2, 2009 tT essica DD( as faul t S v cing Liaison y: HSB ank USA, N.A. 09-034560 4q ? N C. rl -G SHERIFF'S RETURN - REGULAR CASE NO: 2009-00643 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA N A VS SERINO NATHAN J NOAH CLINE Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon SERINO NATHAN the DEFENDANT , at 0009:30 HOURS, on the 10th day of February-, 2009 at 202 S PENN STREET SHIPPENSBURG, PA 17257 by handing to NATHAN J SERIANO DEFENDANT a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this of So Answers: 18.00 18.00 .00 r 10.00 R. Thomas Kline .00 46.00 02/11/2009 SHAPIRO & DENARDO By: ?day Deputy eriff A.D. 71 CA- V SHERIFF'S RETURN - REGULAR CASE NO: 2009-00643 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA N A VS SERINO NATHAN J GERALD N WORTHINGTON Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon OCCUPANT(S) Sheriff or Deputy Sheriff of the DEFENDANT , at 0019:30 HOURS, on the 9th day of February-, 2009 at 202 S PENN STREET SHIPPENSBURG, PA 17257 CECELIA SERIANO by handing to WIFE/OCCUPANT together with a true and attested copy of COMPLAINT - MORT FORE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 6.00 Service 18.00 -.90e,-2. x-, Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 34.00 02/11/2009 SHAPIRO & DENARDO Sworn and Subscibed to By: O before me this day Deputy eriff of A.D. LO LLf CL k ` .,. ? r t.... L.L. `*-Rs'??? 2.1.. U- C= U C-4 C\d SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 871'37 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-034560 HSBC Bank USA, N.A., as Trustee r the registered holders of Renaissance Home Equity Loan Trust 2006-1 PLAINTIFF ; VS. Nathan J. Serino DEFENDANT ; COURT OF CONIMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-643-CIVIL TERM PRAECIPE TO SETTLE DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & DeN LLC BY: Ilana Zion, Esquire Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-034560 HSBC Bank USA, N.A., as Trustee or the registered holders of Renaissance Hdme Equity Loan Trust 2006-1 PLAINTIFF VS. Nathan J. Serino DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-643-CIVIL TERM CERTIFICATE OF SERVICE I hereby certify that I have jserved a true and correct copy of the Praecipe to Settle, Discontinue and End on to all parties named herein at their last known i address or upon their attorney of recdrd as below listed by regular mail, postage prepaid: Nathan J. Serino 202 South Penn Street Shippensburg, PA 17257 SHAPIRO & DeNARDO, LLC BY: Ila a Zion, Esquire Attorney for Plaintiff FILED-OFFICE _ OF THE PRrT''-l:'CN0tARY 4 2009 MAY I I PIi 3: 59