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HomeMy WebLinkAbout09-0757ox DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. $1747 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 & D FILE NO. 08-034125 SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND ;COUNTY NO: dj- K7 won COMPLAINT - CIVIL, ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR VNA 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, LEA 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 XLANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: d9- 7S7 ' ?-.t Tu- COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, HSBC Bank USA, as Trustee for OMAC 2005-5, the address of which is, 8100 Nations Way Jacksonville, Florida 32256, 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 Opteum Financial Services, LLC Mortgagor(s): Kevin A. Cooper and A.H. Cooper (b) Date of Mortgage: September 23, 2005 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1930 Page 4239 Date: November 14, 2005 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 Opteum Financial Services, LLC Assignee: HSBC Bank USA, as Trustee for OMAC 2005-5 Date of Assignment: December 19, 2008 Recording Date: December 29, 2008 Book: Instrument #200840564 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 245 Old Stone House Road South, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of each Defendant is: Kevin Cooper, 245 Old Stone House Road South, Mechanicsburg, PA 17055; A.H. Cooper, 245 Old Stone House Road South, Mechanicsburg, PA 17055 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 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. 7. The following amounts are due as of January 31, 2009: Principal of Mortgage debt due and unpaid $178,400.00 Interest currently due and owing at 6.125% per annum calculated from July 1, 2008 at $29.94 each day $6,437.10 Late Charges continue to accrue at the rate of $45.53 $263.28 Property Inspection $40.50 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $5,000.00 1031AL $190,390.88 8. Interest accrues at a per diem rate of 29.94 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. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et SeMc ., 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 "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, 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. r SHAPIRO & DENARDO, LLC Date: ( V ( BY: Attorneys for Plai ts S & D File No. 08-034125 ;.LS. RT P. ZIEGLER ' IPF DEEDS P%19U 14 Pfd 2 2Q Pmpamd By: Lisa Szabo W116 Century Road. Paramus. NEW JERSEY 07652 Ra= To: ASIA S'kT'MENZW, LLC 341 NOATH SaWKE PARK ROAR 410 SUITE 203E STATE OOUXOP, PA 16803 PH, 814-272-1405 FAX: 814.272-1406 PtradNuaaber. Pepmiaea: 245 Old Stone House Road South 22-10-0640-079 Hechaniosburg p?aeA6aw 7n? La.>v?r7leowdwDasi - MORTGAGE MIN 300135811051109755 DMMONS WO* aced is a 006M of this doaommd are da&W bdow and other w r* ate dated nt ScWb= 3.11.1% 18.20 eed 21. Ctdain nft tang the mop of woods used in d6 6kmgW ate *0 pa+wA" is Somas 16. (A)"50MftL kvEwW now t66dsouet which is dated September 23, 2005 , 1oead-rwithaS RWeta iD d is doaxank (2)91 ea, ww" 1s Kevin A. Cooper BartavR LI t>to mat?or tmdet?da 8ea<aiti? Ios?munt. 019M to bkdp a Ne*ade RegllgWm 8y9w% he. MERS Is a saps m awpotahm that w acft xi* a a smal ee fir IAWw snd Lmdet's mom w and sift S, 111 I Is do noWsme e =dw tilde 2 111 SAMOM& NIM is c*ed and adedag a ndw the laws off Dalawmr, and bas an adldnoes andldephm wwbwofP.O Box 2026,FlintM1483o1-2026, tcI. (868 679-kMS. 1105110975 PE OMWANU1- 048 FAM . Fank MnlFnddle EN UNIF W INSTRUM811!' Wn U RI Fora 3030 1101 )nomiy ?.a. iw x bAaM? vw j- k, a.aw¦., pN l -n*t Wpm gK-11.3054239 E>Xhi"bi' )'79)%: (D) "Zmtler"is OpteUM Financial Services. LLC Leaeles isa Limited Liability Corporation aged cod mdriisgu?er me lei DELAMARE Leadm'saddressie U116 Century Road Paramus, NEW JERSEY 07652 (3)"lqW nwo the pmnmde W nab alp W by Bomww and dated September 23. 2005 M,eNola soa wtwBonooamGow InderOne Hundred Seventy Eight Thousand Four Hundred and 001100 MOM (u4.$ 178, 400.00 ) plan iamnst. Bomwer has pwmiaed to pay this debt in regular t'erio& IPalymeeds sod to pq d w debt la W %wt Ww thaw October 01. 2036 P) "PMgm yY" masse *a peopoly lid is deaaibed below uWar Ow heedtag "'r=Ar of Riglda in the (QS "UW moms the debt widened by the 14ate, plus Wemsk say prepaym xt chow$ and late chmW dw wxler the Nok„ and all rums duo under this Boaz* bzku ada plea in*=L (I* "111dms" mama all Rides to dds swift IMMMM as *A M axeatmgd by Beacom. The .*uowwg Rides am to be mecided by Boemwer [dw* box w applicable]: A*sWc Ratio Rider C mdomionum Rider Scomdllame Rider Ddlaopltidmt NOW UA t Dave M ad Rider 1-4 Pamlly i VA War BiwoddyPgsiadRider dfltaa(s}[aped] Legal Descript, on and prepayment Penalty W wA=&mbk Ltiw" mass all cadw tlgg gViicahle federal, me and lggel atdadm mgWatiom, oz?dmraoet sad tuks oad omdent (1mt have the effect at law) ss well as #Il applicable fled, (i) AsAetWso boss. Than, wd Anumm e" =ms ad dq% JW4 ae sad o pm &UNG.tw W iotposed on Bmvwer or die Ptopedy by a ooadmaidn a doq hameowaas a eaaeumnareiatipu camiratioo. 00 "Sledrok Dli¦as'lW=dW" mama my tnmatbr of Rmds, odur dma a ttrnsaadon miginatad by check d4 or alft paper imbtmemt YMch h into d boulA an ebftooie % *j* telaphooic taeblmad, computer. or We so ss to order, Rebus, or a2dbmd- a fiw= l ?ti m to debit a etadit m aoooinst stoat fim kdwee, but is sot Amikd tv, Pant a[•mla Biwa - a km=d ldaar =aft tratMaet'smd, Una a toed by tatephonq, wins bms%M and oWmded desangbcuae "i?nel+tw line == *w steno to so ducril ed. In Seclien 3. "Y asusllhvontlr" mars oqq oornpa ion, mttlera , awed of damsj* or pmands paid b ! auk! ?6d Pair (at?7bso im?oa ptooaeds M nadir the covwA" deMW iq Section 5)for (i) a deMrnotion at lthe Pivpe?tYi C? amdamnsfiam or otlfar {wbng of all or pay part of the NPM- is >•ieu ooF oondeoarodaq m (iv) "UMV =0t dkM 04 or cauiasmas as to, the 'oPottY: values .W cotMW.a[ih4t?'e0psiy. Qbllti IM ><iomme mama k =MM PMUM ing Iaider agaimt tine norgm MM 04 or default (A N?eeN?ote, " palmtOa -MY amooaMs um w ;= 3 ofWeis Seauri and ktam uidar the Or bMMML 110511087'5 ?66W 2 d 16 -?(wya?t Foy aoaa tro+ 8K•193©PG420 "1rJOA"moms lho Rnl some SeWmam Pmos&= Act (12 U.S.C, Sooliw 101 et seq.) and ifs ssgtrWiaa, Regv Oa X(7,4 CFR Pact 3300), as dory might be a *xbd tPum time to rogwafi ca? that governs tha aeme . As used hq, cr smy a&ldaed ar stroevevae legldatice a m thinY "79t8A" taSerB tp atl nquiremams eed msniotiaas that bt regard oU"Ux%W irol?pood be even if the Lcen does not gt?llfy ea a "f a11y ed magw (Q? "8t+oasesos'1r?IMeeea! dlioeswwlar" mesas nary patty that bas urea fifle to ft . whether or mt to MW has amamw Boe"Wo oW dlcos u ftft NQ40 =War this Seasri{y ? TUNSM (W IQGM IN IM PROPERTY lus seeadw s . I f osa f?II I,epdar; (1) *0 ivpipI= otdb IA W4 and dl Im1DYYBlB. VftdM Arad modfficd o m of Go IeW end (i1} dot pesfamaooo of Bwowaro cavmaats and alpe&aci is under this sort ft Notes For' *h plupose, Boaowa doer hWft MUVV. sad convoy to MISS (aohly 0 UMS&ea Ibr Lender sad Le zWs am= = and aasfgaa) and to 1he maces m sod asdrs of lim ow >Il mft &mzv dpmpeny located imft County DM q s 7odrdicWj of Cupberl and iNaaa q tiowrdiri ;wbdWUl. All that tract or parcel of land with improvements thereon as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. This is a purchase money mortgage being the sane premises conveyed to the mortgagee herein by a certain deed to be recorded simultaneously herewith- vbichv.pw ?baatlwddn=af245 Old Stone House Road South [saatl Mechanicsburg iC*], pc=ylvAck 170$5 [zb COW C y Add =15: Tor, r I=I MM ,11 ibe bVwv=eW now or bacAm atoctod on the , and all Ed t?Titdaeer am or bwsow a pert of the M=m 'O aadelan bo covnmd d& f?=fW Ias?nmta L AR of ms to in ON Bo=MW 1mdalka t and dt a? Ibis Z bttt. itaaoes7to ad to 11" myof ado s ngn$ed of moloBog but Wt lbftd tt% nkmhg dog) md cm*ft No s=u ity kohnnimL 1105110976 q N4. iu u F"nr 3239 1121 BK.I930PG4241 I OWiilt, COVEONTS d at Borrower is 1 seised of ft estate hereby conveyed and his the dot to ll , VO and ca mV tie Pmperty and tat the Property b vncma gbered, mmept for toomotmem at record Bonowat wanamb and wr71 defend garrnsW the We to the Pmpatp qAbzt all claias and de =M6 a d#= to any awmabanom of v a d. TMS SBCUR 'Y Dl13TR MM ooarbines uniform covcmo* for rndic w use and ncmwnnfooat mvmmtb vd* listed varied M by judsdic m t0 GOAatiM a UG&M ee01a* iced immtmt WA MA real >. UNERMI COVENANTS. Bosmvter and Leader covanut and Mm m fhllm: L Pgattmt of Pdmd*4 Ihteastr Xfttm rhtus, ft%Mmmt Mamwo tad Iota Cramps. Boamm *0 pay vAm doe the pr$nr3gd c4 and ial I on, the debt evidenced by to Note and my peepa{ytt M siege and late dwW due wader the Nato. Bomwmr ft l also pay fogls fm Hocraw ibam+ p nice t to Sardoa 3. Palrmmb dart: u Am the Nate and this same* shpts be made in U.B. v rma y_ l kmr#ey if my cbeak or other h ammmmrt readved by Lender as payment updor the Now or this Smm* Inet mommat is relrm od m Leader uttptdd, I?aadot may rco*c tbot my or ail Pa7MU* dm mm* *a Nato and tbls Soma ky bnk mmt be made In one at =a of to j&;iag ftM26 as ambeted by Lasdar: (s) c m% (b) mmey ardor, (o) wed sheer bm k oheck, lrtla'et'a cluck ar cooffieft dod4 pmvided mW saoh Oak is drawn upon as msftdm whore deposits are tnsrand by a fidmA samry, b0 mmtolity, or mir"; ar (d) Bleatromc Funds Tramfw hFoo t sale deemed ma dvod by Ladtr vA m n owed at tie load= dedom d b% the Note or at aa& admr locodm as msy be &dpod by Lsadet fa aoea 11; t F vd&lhc notice pugv?Oas in Soudan 15. Y.aodac >? ?etaaa ttgy ORt?? ar P? P4? ? ? P4Y? or palish psymatls an ioos?ident to bring die Lawn caa®k Lender mey sacept any payment or Pedal ptpma# 11M -1-0 to b *g the Loan OMOK vritbotd waiver of MW tfalms hetvamdw or pr* d w tD b igas fie rent tatdl payment ar partial pgrmeats in tto9 ft ft but lmder is not Od to 4* "FWmads at the limo aacit mm%u we ameptaL If a mh Po&ft l qmw is applied as of Id nboduled doe ddgn lm 1- 9- mod not pay iderast m>mtppbed dads. I?nidar trrey hold sodr uawppIIed foods m? Boaawer makes pgymcet fie bring *CUM aaeemk If Booowae dou not do so wMi a reesou" peeled aftio ok X.etttkr da sitter apply am b lianas or ttearm atom to 8an?attas. If rid oWlted seiner, tnldr Smda wM be applied to the u**P lpg pmcipol Wmoo aadsr the mm immeAialely prior to fietoclastao. No abet at dolm witch Bomma theNa0e and ce8eauSoty b>'fnarreat ar pm$sming the ceversmd and apeements qg p'*mnnb ilia due vrAw t3aauity Z ApIl daa of Pqm" or Pm" AL Except as ofhawiae desalted in this Section 2, all p9mcoft awoplal sari spplhd by Under *AiU be applied is On *Akv long coder of pdo . (a) kimast doe umdw die Nft (b) pcb*d to wdw On Nets; (a) ammrria doe adder a"= 3. 8uah pgymosds strati be giplied to eaelr Pbdodia Pgmmt in the otdcr In vabl& it became daa Aror' pore ng smatmia xW be applied 69 to bete eloqu, seeead to arty odor uwmb due tender thin Secol&y Imtrtmeaf, amid Imto redrseetrepsitttrlpitl balmoo afd*Xaoe. If bander sovehom - a psymont from Scumm for it dellopo P4rio& Payn," which includes a mdOicieft amoast to pay acy bft clorp due, the payment mqy be oppW b Ere def quint pq=mt cad AB his obatao. It<too Oft am PU*Nb Paymaot to oaftmdft Lender may spplq MW prymrm received ftm Borrower to the reps mmol of the Pled die Payments ig and to Im exttmk te, cast payment 1105110975 tCt ,4- wr t (r?temt Prn4+?m Form 3039 M OKI930PG4242 an be paid in fauB. TO the acbent shot MW excess wdsls SOM Ow Pqnmlt is aqt Ua t6 the full prymomt of me ar ?maauu Pea9o& PabymnnK soh mm may be 4ppiiod to my to chigo due, VdK*y ptepgmenm ebat! bo sgsoW fist to asgr pep ffinm doges andtbm as desk?ed m the Wore. Aqy WHcdoa of pgmoeab„ htsom m lp abode, or fAsoellanoaus Proceeds to poineW duo under the Nabs stall not wand c r poslpooe tiro duo &S% ,z d ogo the au=4 gftho Pain& Payouub. & Ifs for err IWm& gam mew doll pry to Lam m the day red *& P*uab are due muter the Nobs, unall the Idea b paid in fig it amt (do "PW&I to ptoft for pqm' x t of ama zws do fort (a) tow and aaasoma ad odw hams which colt Wain pdoft over tbis 9ectai;j? I ubuma t as a lies or ommo once as to Pippraty; (b) Icadroid prymmds or Stated rem an the''Pncm*, if awry; (e) p for aqy and ail fine?aamco mw*od by I,andor under Section 5; and (d) torero Tommo e i[ amy, cc mW mme payable by Barrow to Colada in luau of the p niatt of Noi% pe Iaglmooe p- -sm m mccoedomm wilt the p mvifkm of ScOm i0. hate ittsoa in c0ad "Eseraw llama," At otslas Sin o at say time dsdng Go team of the Lost; lader may iogabre that Cmmwby Asoar+aaion Dun, Foes, m>R. Aaemmis, if my, be woowed by Banoww. and much dom fm m1 wommmb shalt be as Ssam Ibem. Banowar stall pamrpit r hmhb to Lander all wfiaa of saaw4ms to be put under this Socdm Bm:wm s1>aB pay Linder to Faxis Jbr gmmw IN= ®lrao Under waives Boavoroc'a obiii dm to pay the Funds for aeq or all Emm Rem Leader mdy wavve $on owds obtig = to py to l mdw Ftmm fir aaw or an Facmw know at sly *m Any sock vadvar may ** be in - o fatba c i p of wxh waiver. Bwower ebell pay di m*. vAm sod wbao the emaomb don far mw BmwwDowthrmUci mmumtofFaradsIm berm vi" byTa?derao4 ifI.mdwngtdtet<, shall famish tb reader mooipb ovida f g ><* payment wdW a so* dw period as ranter wq toq *v Barr?OWei?at aftAm 1o mods sect I mg?me A and to provide teoal& 60 Ear A p opoaee be deemed to be a awro d sad atom m oooWmdto dims Sem* bswj u* am the pheems'coveoeat and ogro omr is mod in SOclion 9 It Bammm in obVa tad to par Bmw Itmma db*, pmomt to a waivar, sad Baaua w S k iD pay the mamas don for a0 Rsmw Item, Y.emder nor maadw ibt i under Gwfim 9 and pay s" mood sad ftmowor eh411 than be obllgatod seder $a" 9 tD tape to I.aawlar ww sorb am xmL Leader mme? o0t1dw tiro wadvor as tP any at all Bemovv baeC d any than by a notice glum is ao ambooe with Badoa 15 sad, upca soak mvaad a% Harrower don pay to Tender on Funds, lid is vA woaab, that ace dm ragdmd under lids Sedka 1. Loce Q' aW, as amy him„ coUva and hoM Poods in an amount (a) mal2d to pdanit Lender to ggoyr the Funds st do time sp4,W a 1 amdor >t MA, and (b) sot to o and the --twotm now at a loader can ogO-m »mdm RWA. x.aodsr 49 estimate fife tegomlt of Funds due an to badd of marsh data and nansma?bla asthwim? of oapon8itaoos of ft m Becmw items cc obbav-e in aooorddnoe wA AppliW* T,avr. Mw Finis bllgli Iw Idd, k an kWaf0m W o dopaft stv iamrd by o, Wood spW, MR11- ipr a , ffLeodar is ae va}W1?s depooibl are so imsaaod) ac fa miy Feared Boma Loam Btshlc Leadersbalt appiydroPuotQs b pegr the Bsauw Items rho later tllmt the tiara apocdrod udder R W& Laadw"ask OUPMO Bomntver for hol ft amd aq>p(y * the Fmtds, =may a, mb, g ft =mw ath?oumt, of vat the Pomw [tears, umlas Leader Agra gmia m cabesak oat the Pm& sad Appiiabie Laav peuo Nb Lander td mslas soh a Updeea tat is made is vrattiog a AppSoab>c LW,agaaea imatannt b ba paid on the Fupdt I eider"not berequdted td pap Ba m+ w eq iateseat a araittBa oa the Ieumda Boatoaasr sod Lender axm apse m wittti>g, Lbwrtivar, that iata+est 1106110975 !A) tOto21 i d >• Form Save 1141 II-MOPG4243 dhtdl be paid m lbq Ftimds. Latch ea give 10 sat70Y9at', Whhout chergC, an =M al ammdiag of the Fmtdsasb9REBPA. If theca is a wmpW of Fmds held in osam, as ddbW tmdOt RRSPA, Lmdw shall accouat W Boa war fw the aaxteas ft* is accaadom wilt. RMA. If there is a sbatage of Foods held in sec Ws as 44md aoodrat=WA. Lo d= chaff no* Borrower as ragtBred by BUPA, rand D owar dM PW to Laude tLo mom neoesemy tomob up the dulop in acroa Isom with RBSPA, bu tl a. no more than 12 maatft paymmb. If 2m is a de5deacy of Ftmds hdd is asmw, sa do&W mtda ROSPA, Leach dW m ft Bar um es nagnited by RIMA, and BMOM droll prty to Leader the a mni moray to mob upti>Io drWocy inwmdmm wilb MWA, Win no mare than 12 mom* pqn miL thm pgmwd is 14 a[all mm s=mtd by this Scarcity IamttnmeA Lendw ehQ prompdy rofm d tD Bavower any Paolo hold by X alder. fim lodoeLotd paysatds at at<bamile 1* 60 Property vm* Cancan attain pda * ova #a Soc u y hmkuma? gNomtdtlt * cat m PropatW, if any, cad l r Amooiatim Dace, Pear, and Aas4ltm?, if or. Tb do mtbmt da tI ma bms m $alarsw bon% Ba um 60 pay du m in the mamor ppvkbd to Secft I P abmatr"paawi* 8%1 ogge any Sm wMch ho pie* over this Seotaif?? Itt ttmsertt tmlere Ha mmw. (a) apace in mdft t0 to paymad of the obilption scotirod by the lim in a msnoar mccuplable to Leo* bat 9' m Im as Banovrer is pafix mbtg sob ogmaoed; (b)1. 11 1s to lion in good 90 by. or ddmb vshat =&=mat of the lWn in. legal procoed'atp Wch in tmdm% apit+tott ope ft ID Ixov -! 1hi eraitotmoat of the rvw v h& those p omdbgt we peadhtg, bat army utiil each prom drop maaaatdoded; atr (o) traatsaa Pram the Iwlder of tats fCat m sgroenaaad ttlditt9aRtty to Latrda ttabardittedsg 16o five to gds Saandlll? Iostnata?t. >f Lands daboa?rse stet tm6? part of the AiOpargk is sutdaat to a Iles vjbl* eaa dbk plodtgl awn this Secadty Itaatrtmoeod, Leader msy give Room [ a aatioo Masdying the lien. Vift 10 *p aft* date oawhtah lied aoaoo is gm-4 Aatrom daf mdistytha lien o e tldm am or Elm of the acO ms eat ftib above in this SoWm 4. L Ww mqr nqm Boeraaw to pay a anefitae C3wp for a real esbft tox'vagaatlon and/or repot 9 g mmviee oWloy Lamle m cameotim vtdgt this Loan L Pionly gltstsotaa. BotlO W O d Imp ttc Wvwvwwo now ro&ft or bea+esitefr enacted oa 'the Propeeg? i v -I sorriest be by ft bards hdatled tvhhin the term "attended aavateg%" and any oihw lletmtrb bwbft but rot lh AW 10, a IGea gad floods, fk which Letldar',nquh6 lum alce, ZlOs igeueaooa she!! W ndWOM4 in to atnomta (hta Wbg dahtodbia levels) and for the periods that I?adm mgtlbm Mot Iraeder xgmh s pmtasnt to the pttteedhtg sealtaoee art dtaoagd 6 the tmm< at' the Lao.1)ta it>sotame cudw provi ft rite >m+mm dW be chum by Bmwmtar, sabtaot to Lmdoft zWt b MuMmm Bmmwds dwbx, which right &d act be mtttscised um+aasobabiy. Leodw may nq dm Om mm tb pr, in ammecllas with this Lean, either: (a) a o0 4om oba p t r flood more dak"O milm 0WIB=iata and se &w,, cu (b) a aaaOm chop for &W zoaa ddam mdm #od pge'm - somieea a od.sobsecptaatt dWW emb tima remeppbp ar ehttW lea ooasr vd&h reaaombilr joW offs Ct each detQmbadm or catiBo dam Bomm shell also be "oosible for rim payments of arty Etas bapaed by the Fedewl Lma gmq Mettag? Ap W in Cott wilt the r eviaw of any food Iona 4dv mdzmft s>mtdtb float so d jecdm byBarrower. 1205110975,/ AC /y pmo POP I S1? t oo ? Fortn OW0 1101 OKI93OPG42a4. -_-----T-----,.. _-... . If Bohm w f ft to -Anw- Amy of the ow rqu dwribod above, Lender =by obtmtn i "Wo oovme g% id Leadaer's apdam amd Bmawces cq mw Leader is uodaC no obT>esWm to p w* ass any pw tcdw Vpa or amamtt of ooh. Ibmefore, rxk covetmge d U cave Lem W, bat m W or =& act FEW Basa+owm . Bamawm % cgaily is the Property, or do Gomm cf the pmioty. sBainst EV M+ b=d of t and mw pvvwo Fmdw or lamer covr w than was perevicady', m effea Bamwow edmawb*= lbnt Ere 04 of 160 bwzmo wvamp so obbdwd attt adgddormtly svscead die coat of fr>smalm oo *d BOMMW oodd base ditWed. AW mom* dW m and by Lax?da:ar tTW# on seolim 5 gW become adMond debt ofBwowar marred by ibis seomity betnamwL Tim asawmits dmdi.bamr d the Note no Siom the dale of talttt told d *U be pdable„ with such i do cC upon notice imm Lender POWUMML to #toaowa smgma"I equbmd by Lander std raa wah of such pandas shell by erect to Lender's All ineoimasaa Adidas ra d* 10 SNOW" =* p Adcs, sbrll iuatddde a sb odmd modlgsp dausa, rated " now I.eadsr m proert?ee ammd/er so as aabl'idamal ? pttyea. Lender sbali have the ? tD h? the end trnevral glom. !if Laattder Bort+OVrra shall Pa?pW' ? to Lamdar eIl of paid pry mmd nmcwd bobcats ItMonower obtabts mW ism of imarmm co orW sat o9rlnnaleeregmhrod by Lad ft, tar dmw 14 or dubmfim oC the Pmp ft, such policy sW bdmb a sta Wzd >taartBego deltas add shall taeooo Leodtr ae mn?rBao ad/or as asi additiorwl lass pasyee. In dm and of Iola, Bones dwU Bias prompt notice t0 the b=M mft Mmd LmIaL Leader =IV Mdaa pool of low if not blade p owpay by B mum. Fjnleas lmdw and $owow olbswjso wn is vadt S mtgy bomm ploos^ vtd sthar or mat tba mdarb ft bm? vats s9gpW by Lem, shall bo wow to ies o"m w UP* of ft PtquW, If deo s 90"dnn or impair in cm m i ak ad LcaddW aomm* is toot taeeetted, l7WS aooh rqair and smsrorrdm paaw4 Lewder"have the sight to bM arrant bVir toe pleoteda =M Lander bye bad in oppa *mky tP bapo sorb PoWa q to a== dw vrmk ba bean a mplatod 19 LaWs Oddwduk pwWdad 1Wat eeob impwtiam IrW be sRtftl*mr ptamplb Lander mW dbbma praa>caa I for ie rep6m and =N)P m In a tl & prymed w in a mim of pnogiws PWXWO as VOW* is ocmpleerd. Odras au. aglmemant is made iavdft cr Applicsbb Law regohma ietttaaasI ib be paid od NO& b=maos p o mds, lmdw Ad net be tmaldtad W poy Emwwt sq cc ONOLW oa W* WOOD& Pan for p Mc &Qud k or aft thud pasties, retained by Hos'soVaw"sot be paid amt aft* imlIISmm ==Ws ad ehmli be the sale d*g#rom of Samower. If the udmd m ar ropdor is dot wmwmioelly seeable orLender's modty world be l tbo lnumve poonode " ba: sppW m the smms womW by this somfty Lttlhtdam& qr not I= dnq with Oo mom if amp, pddto Bwoww. Basch ho mm proceeds shall be %OW in dte qrft puvidad for in socdm l N Homoww abadorm to PrnMW. Undw my tile, ncgWde mad m do aapr a>rrdlablo imttsmce claim sod tmWed mmom IrUcco m does notrcqmd wdhin 30 dus m a ndw #bm Leader that the abaaaaoa a iar bas o?trasd 10 ard9e tt drabs, than Lamiotr busy st gWo mssd so* the data. The 3o4W peded wW been vAm the nodos is stvw. In emiher Mast, or if imdw sogt ?uh albs pmparty trader S "m 22 or o6WWb% Boma bmmby udgm to Lander (a) Bamwws's tw* to awr am= pm0oaade b in ataoturit 20 to um d the atnamb smpaid undo ft Nola or this Smodtq isshnmmS nod (b) say ama of Bemuwoft iWo (odw dw the d& to my tdimd of umame? pmohmoa paid by Tlonomaa? radar mIl im?oe piotipi0o oovaadai the Property, hat?v mm such ? ? sappitaablb tb ties om"W ot: t o Prwimw. I.amder my talc dse bstmaaoo pwwc& d 6w to tmpma or ?aft* tlsd property or m pay mtoatt b ssrpeid W&V 60 NOW or fib sww* InW=ct t, vnbcdw or act dmr due" 1105110975 4R?, *,. 1aW Pope 7Mts Forpleatss 4181 OK 1930PG424.5 i, Ompaq. Bmvwar b6etA owipy, esmblisb, ad use to PvVwiy as Soffowees ptinalpal n" m witbat W dip Air the estootdion of this Snootily b*ws t mod shall eatdbm to ooonpy the Pnopeafp as Dow" 'a pdpcW m idow for ttr least co year aft the date of ooCgifl W, uolm Landon al>tcvviov agates in woun& which coom shall pat be umusona* vvithbeid, or u 9m a>rl=atittq saint which= boym dBonvViles oomaoL 7. ]tfifbap¦a¦oo WA hrabelloo of fM ftqpgr#l 8appodU to BOQow+er shall pot destroy, dtMga at impair me Property. olow the Proparty to doeftm of ooomd waste an ow Pr+opaty. V" v or hit Bo mmw is tteldimg is We Properly, Bow dlA mWtftin the FMWW ip cedar 6o p mV mt the Pty I= dtd gg or deaaasiog in wdue doe to it 0000m Unless it is dekm dm d pats mt Ib Seefi m 5 tint MP& a raeftft is not Wonomia lly fOasw Baaawa sbmtl p pmp* r*& ** PmpwW if damopd lb avoid fit dW daserio tion or damm*e. If i 00 or oota5asewdoa poaoeedtt = ptdd ig 0dtnaeA" vda dpttege t% or cite talfg afi ft Ptopmrty. Bow ma dAbe rdpaodble for aepedzittg ot's?estotSgg 6te Propstiy only if Lamdar boo nelpued ptn0eeda ibr such mooess. t,elder &W (ftwn peooaeds for the spans and re q in s efmgle paygteat a in a amiss of piaolaa 1 eymaa1 as the wodr is oaaagimW Tulle hwmwioe a eoodennian wraoeelds ass not rif 4 mt 0 stpair cr nes101n 160 ki+operty, Hamowe* is not relieved of Borrower's obligption fqr the eoaaplatioa of sash nepaar a rteeoofinn. I,aeder or ifs ago* may matte nmsombte armies up= and hupoWm of thq pwpwW. If it has =am" sang, Lender may itNpeat the imtb m of the b7mu alb 0n the Propady. Laodar "gin Hoet+maemt no8oe at Ste rims aEa palor to tarclr as i Ittapeofj0a apedfyiog torah t?Onable cmusa, L MmMM41% lam + . >ia VWW doU be in do&* if, dtkW * Lam eppihsition praoess, Boman s or aqy paacntt at aft at the dheatk n of gamma or with Battowds Imowb d e or coma gm p ? Stk% n1dooft or iomoamatte or moaok to Lapalet (a fdled to pnodrrle I, IQ WO =tend MftinvW in o0 NWOR MM $0 Lam b bkdd repestemm d m kdmde, but hiss scot VxdW t0. np=u*dm emmft Bmowces o0 %nmy of the Pmpedy as Bmuw %Vdn*AlM dmae. !. Jp?ralmatlmrt of l,sa Wa Lrlareat flat Property attil Virdar ttds ble rlq Lahrao•? if (s)HpoowarSd4 to perm 1be caveaepte and e?eemmtm caatiiood intbis $e?atdgr (b} these to a lmd Vin f- I e41e164at atiebt r-l W? ofect Loaders imtatw in do hq wry and/or right under etnfn oe 0t vrhieh me0? In brolm oy, pmbsta, for comd ar forfadkz% for (es) Browne: boa abemdOtted qte p }y. then Lander y dpdaad IPgy wLmevar is oeg**wj or rommanmbio a appvplale do protect Lan<lae's Hugrp4t is do Prapat7 $? 1? ? ?lY b , prOtoG<tog madly mmosoiog tteo vacua of to Ptopmty, and satjag aadlor, , 01 *Wg Ate PlOpeelyr ILOedat'e dtdTtmlO Can mO?Ido. bmt stn not Iimitod to: (a} perya'g any sWga. aowmd by a lien wlliclt lam Xaiotily ONlet tibty Berg Inafnta og (b}. appowh* is c=% ad (o)l p ft rawmbio tdtoesiays' feM too psotyct i!: mdmmet is the lhgtaefy aud4or ttralar tbds Sacmity ?mtmteuf; itlplpdmg a s aeattetd pUMM to st b ? ! 5 MMS the )PropKW ?lndaa, bait is sot ihaiied to, the PegWW ya amim rquha, clan W loab, xplaat or band to doom ad *# do**, do& wafer liorat pipes a1?lmmb b a atiter cobs violations of eoe?dons, Lard atilitin+ numid ap er a? Aliom?Yumder nq itdrs motion tptder $tis tio0tla?n 9, Lauder does tnt haw¢ 1a do ao.and is mot redo &V - obbetim in do 9L h is agttad that Lander imams no PabW for not biting aqq or all a0riasOS swullm mdW rids Sadimt 9 1105110875 A nrrw: WAPII") A.r.e, IS FOM 3036 1101 BU93OPG424E, r amatmts disbace d by lfrendor wow 01ts GNAW 9 shall WCOM addid-d debt of Borraw:r mctaod by tms gty kokumat. Tom mnotmts absH be11r iaIrt it the Note its Own the dabs of dwPmemost and dadl be prgo*. vtidl mach iota+esk van wdos item Deader to Wnnwer rsquestibg If ihb smwiw Inswunct is CA a lMebold, Bonmw aball cawply with an tfie provietoas of aw lease. If Haaowls acquka Joe We to the Psupady, tho lowebold and the foe tidd eW not n op udou LeOdar totbaadelBeri0ott39rlg. la rdsLsmnrree.I€IArtdGerroquitsdMottgago hwxow ag a canditian Id making the lawk >aoenoarer dlafl psy 9m paaatimms ri ppW to nwi dda the Mautgaae bmlaanoe h1 eabat, If, for any mason, the bmwwo lop ed by Trader caeca to a Wbble ftam the mactgppo it>aaaer that ProWjpooirl3ed ssdt iasmauoa ad aoovow war nquitod to =90 P tsrvtad tie proeitass for Mo to RawsoM Bamuwer duA pry the p mmtiaas, roq* d to obhuh ?rtge sedmddV elJttiwtleat to to pmvloudy In Owk got it end stlberaa9dly 4dnr rud to 6D am to Doug= of t? ILau-n-ow peelioamLT m Ac Am as al6ernate ode" by Leadw. If ark" I I. Is Is, kwm6w covww is 00t av HaaUM alb =19M *s peg to I the amuft of" aopeaste41 daei ed ps -- - to std nltam tbeac vtaa doe vtltem dt0 kwmtooa mow wow tb 1 0 t0 affiwd Ladder wID aooept, nm pgymeWtt as s nmssdmdsbie kw vest ve to In of Made 1lmoam& wh I4w ra vc :ball be notvridt mg the fad" d1s lam b sibs y pod is hill, and Lander eludl wt be noq®ed to prat BOaaMU gay iolerost or tmsanlgs as slate lop nouve. lAndw we tab kW n qW= lase ieaarys pt{yarasts ff 1, a iomsmuoe oav gap (in the w=zd m1d fyr *o period tW Y,ander mod=) M blow by T sepr?arogy Mdpplrlsd q?m?atolgatd pis Mortgtw Immmoo LawororegtlitedMotu 7iwe0oe as soam"bi almsl3ggtheLoan and Boavwer was :ggldcpd to moles abpatstely paymanb S. wad the prsntltms fbr Mauve iOtU Me. BoMIM dMA psy ttm p?aeu3mmg to mdealila MWW t»s0os ha 9004 ar to PWVIde a noa?a low sowm mg I ? ?e?adiam or is iegdtaa bye tAw. Nadit in tE?tt Seotio+??!d a?els Hmo?wa ob a topsy ioiecrad at *e tsb pwvlded 1021014M l?fae l hmwl a satmbmms Y.auder Or aw aft that ptaeh- the Nate) ?tbr ooNaIO logos tt wo hunt If Harmw?a: does got repay t#1e Loea. m sew& )9ctao1la a not a pasty to the bfot%W 20a asmse. 1ldatgtBe iasaedDe ekdaa0s 20101 rldc oa all 31101lptltaxnx ? fQroe fiom tape W 21031, and malt ender into ag?gemp0b Widt o dw pwd= *vt abate or mo ft theta d * ar nd& h>asga TltegO agteetm?mns are m tms mod a?dlatm 1? are msiddroeoiy to dams m top pg losu t• and t o other party (or pecan) to m?rao tis! dst era ge MW bas 90OaVdlabte (wldah may lno mb s obiabOed roma?MottBa/e? of.dwoo Landet, sw of the bTdy acatha m, my adw aft. at.vW d%W of tttty o[dte nw reodve amou (dit+ody oc dednw fiam (at bo AWmob ftd as) a pardam of Bomowoi'f papmv w for l e )<nem?sooe, m a+totta?a 9oe m0dltjratg tba nror 6 'genii a tw ar rifts ed losses, sueh ageeeeo" pettOMM 9102 m cf Leader W n a ahrre of 916 lowsh dk la w6wip 8 *,v of 910 i+0iq?gpoe.• pe®? paid t4>bfi "tea titF b oihott formed -a,*" ao3 arwoomb us teat tUiet Ilya aninmis lint ttt?gllgr ho lord 6 M hr Iku"MMESM WDi4qI-pBtsaratrs, a1Md M1a}? N1 C= t0 No yMMML Ipapat 1105110975 .M(?t} 1hp? 1 at 1! Fom Jema Ilat BK •1930PG4247 L?saraa mdw do M P a Ad of IM or sa Mdw law. %Um rob tawty Lda? do t b ?ooake Baia Am"Mo , b rp¦rrt std "la of do ]40aaaamwat, b ran ire ii[wt?0 fiitwmeamee bwa?mted , AMIac to arae3ita a ttq 1faa?a 7a?s ptwtpp?g tract wms aneerited at ire true ? omaoel4lNoo ? A PrsOOW, Yorf h ma, All Wacdl3mow Pivom& are hmby If the aadP?p wty ba? da nqK qxh NbcdWnm Pmooob dog be q 49W to ration or repair of !dc Pr qwW, if lme:reatobtiott or repair is acaaoi?iaplly Sad-ole sad Id's aeco* is sot land od, tmpl l mdar bad 10 ?apat such p?o?p?W to In vrodcoomplated to Lmda's w" 069% tbd wttah bovec"shall ire Mdort*M Peery Ladddt MV VW fu the m*s amd sapmdoa in s dole dMummo t ar h1 a aeries of; 191 11 00000 as the wade k compialmd. Uoket m aim ed it imade in w or Appi c" Law iagaaaea ask to be d at" 1+IIaoeOmmeos ]Vmok Lmdor will sot be nq*ed to Pay Bonotta 303eteet pr amre m euoh N&toel<a"M Pi0c0ed3,1 £titsrstootmtlaa or a is sot ooaoomtaUy to or a SWMW would be le?emaai, We l?B3ttelrameoamt Ptoaoed3 lNW bs Iied to the seat eaOatcnd by tn3htm=4 wbdm or sot imn ft wilt me , if airy, to Bwow. Such 1lgowlaneoaks Proceeds ahaU be ?d iotrs otdo: p3wlded ibr in Seadm 2. Ifs the otamt od a tat td ft d"Ruptioo, or hmro in vahm of the Property,', tite+ Adoodkoms howle a b tiro OtoDeat. 1[aeq+, ptid ro $ pqr. is Oo mmm nmvd by Ms Soca tjr Ynstover 4 whebor or not dm dwo, v? ROMM . In We oregt at a PEN tai b& dewteLwdx o, ar lose in value of do Pnelm* in wldeti the Air mad* valve of the Piapattjr bob to psaw taldv& dednx ctn, or berme in yrdue is swW to or Mft datagtalim, or hm In %*km t3&a Boomm sad ageee id t eocmad by tiltb Baax * b dnmatt 3ba0 be tO&Nd by rise now of *0 hftod wwm hoceeds tr0 tom ft $ilctfoa (a) the tow c m>tt i of the smem aeomted belioee 2w =oft V= I= in V" *AM ; m ?y (b to Cdr Pivpedy MI& ?dm +uay in Ate b@lw x"bo paid tv Hwmw In a amtmt of a imod fift dasattcda % or los3 in valve ofth0 ptopabr its V4" the fart mtajoet value of arm P3odtatyr bmmealla>* b*w the parlor W ft dc*ucdjm6 of foal in vOw Is lees rhea the mount of Ste treat seemed qty before the partiai tsift deatrato ft or * In value„ =I= Boamist ad Loft oQtwvt n mgrs= is wrW% the vc-loamm Pm=6 " bs gVald to the nmre soemod by rich lrdyrn kowid whist or wttbe satord ado ibaa due. If alb b p rW. In abmmkoW by Borrow, a 14 after soft by Lander to 130amw ihmt be f" is I ft me ) A an award ma a plasm for danpd ea&. T -.&A- Whifin 30 , dwpa asst the si 6b the mdlo0 is gives. lraader k amh0daed b oatlect mod mppibr the ifvatlttmotm Pmm* dllboor to:eatoNft or "p* Of ft Spay or to the mamtm sawed wf* , v&slhw ornot-&m dm wOp1fc ft Patiyr" mks the sW ply ibst am BM= Fu lriaoo0anooua PnooeadI or the petty ega6tlt wLom Dome er bs d r%* of sector m nwd b bdao dbomm Pioogoal Smaamr dmit be in do&* If qy afto or paoow tg, wbdw civa7 or ariathkl, is begun that, in Laodm% jo4 mso, cmAd rodt in liJshhm of the f opq at mAMO-dal impWm wt of Loodet'3 iaalaRat is airs Pi Vww a nit rounder ihl3 Sacaoigr Itobviu tent Banpwar can cans so* t de6ttlt M4 if atodwadm ttsa oeetmed, roho m as provided IA Sodon 19. by causing the sew of pmoce ag to be 1105110975, y ?A(PN(ai?l P.e. t4 d to Fate 3031 1101 BKI•93QPG4246 dismissed v drh a rating 94 in I.ettde?i jttdg=t peealaa4s 1mMh»nae of Ise Ptopgtty or other watotial impabgr0at -rI,tatdds meat in ma Pmp o or 00% tamer Ids &gud y T6o of arty avmad or dAn fit down" drat eta attriht swa to the b4wrmow of l,e?lda?6?t in #Peopmty ate b0teby tett3g?red and altaII be paid to Larder. All Idisoaltaoeous Ptooeeds that are not applied m rastumdon or wp* of fits Property sW be applie! inure otd? ?Ided Ibr hi Baodon 2 ' Dftj? M lrot Zdgard-. MbM? lg Y,aoder Not s VhhW, EldCMG ? of thv time fs pqy - or modt6odion of Owdst M aft e ? wmd by *h tleaad<y l>t?iWAW$ Vow d by Leader to Bwxmw Cr nopr SwoOeseor in Iaased of Bmower Asa trot opaose tD tekm dw llabtiily of Botttw or sw Soooesows in TAKM of Boaom. Leader sbtdl not be mpW to twmeam pmoodbp ter Seovaeeor in h*Ult of BcaOM dr to Xd= ID eadm I OWN fW p4Ymmt pr oommise modtfy atetat?tian cfftta ass begabdby*b SOMW tttagtaamtby reason of easp? reads by the otigiaal mm 7otxeet I?.?das sooeptaooa of pgmant.? film tbied pe+mane.?? or Oftwn Se?toMSOq ia<Iaasest o[Baao or in laurnmts lees dm se aulount 11ioa d^" tot be it waiver Oyer p wb& 15e a man of a0w a<ramW I3. J" r Onful d iRia6til?; bbesww card Isaips Dm& ftmD1Vmw cavatads end agaea that Baaovta5r obtlaeduat a 4 9=0tma11 bo joint and aomel. Hatve* nay tiotrowar who eta Seaaaq? Inttn?eivc bar does Ed =cub We Nub (a 'oaalgna"k Qt) is cc ai this t on>?r m ft(Tbglean read caaveY the 0o?a'a intaeat ib ? uadmate two d ft- flaamdw not peOw O&W bci6av am rsonally obtipted to pgr?ftaleo ww munod by?'s Sew * Orm . to rgpd to fe Of WMby b*MMCd OF 0 NO* vv a flee (oeooaptA o 0ooaent ag&d tD the pgavbkM of Sectien 18, MW Suoooww fa Iateaest of Banower who as mm eatrares"a a mdar fltia Seeudgr Isantanatt bt and is apptrNai ?Landor, trbaN obtain ell dBaetoorbi? sad baoeOtt tspder lids Saco * taahtjmt Bwrvwer shut Sot be nbened tram >Yaaaetatir oldi adma amd ? under thta gootaisy bostntmat tmbta iantdw ap" to so& re base in wdtaB, The GOONO is and agaoemenfa of liaa 3ocuriq b*UMM stroll brad (daoept ass provided is Soaion? and bun &ft aiuoooaaaa and Make afUWw. 1i.1{.arut ?'isteBta Lautder may tie Baaawer lean for aotviaf is annoa dan with BCOttVa def% aff tbo afPEOWAAK l,endefa interest in tbtt mead rights trade[ this aft ,oAt „m??,r then, Chow X111 rd to oft 10% th6>IllaOnnC of EaplOil stdhasibr in fluid to b apeCl$C See to Hoesawet not arosauod as aptgMWc4cu fhe Hof ao Ira L War way rat Him Y+oau 1o s by maodmaaa louunmaLaa?tlrot kw:b Only ioadaapatsbed so IN* tint do idlrost CC ocher ban ahsrge# 001i dW Cr to bo Qdl9*d M C=MWm with ?e Losn arced dw elaaga taro f?PrmBiedsxmW>va* to>?r dwV wh?dal be redMd + ovtloalad 8? mOwae?rrr acoeededto pn&M tic emoiged linens be reloaded 10 ""gooi, mt Linder may choose to utasloD Oda n?aad ly nt?aittg the ttwad usodes ftts Nobs CC by nftg a dheot Mmad to Bouvw If a n tmd redmm ?to reducan lte t ? wad pro?riaiaed mder?j. 8o owda of my t (vAwffiw or *11 ccoft is a webw of a w riri$bt of oft Bm*ww MightbM =ides oat IL IKWIM, All nodose *6= by Bami r or IRmdot is OwAdw ve lbb i30Cw* Inthttmod OM be it vdft AW nation to Btlal+o W hl 0000oflOn wM thin SOMtKY bd m mc& shall be deaaed to 1105110975 , A G "VPOQPwq wr. tt.rte For* 401 IJOt RK-f 930PG424'9 hmve been given to Bain mw when lathed by ffm dose mall or uh m saway dei "ma to Boaowceo nodoo ad , , -, if ow by Caw moves. Nodoe 10 ow wo Dwower shill mmdtdc do all Bouovw:s mdeas AppitCSbla I.«w aWanly "=w othm?vaisa. The nodo0 addroa shsU Add4+eaa WA= Bmuww ho dmelgooted a sabetltaty mfim mddm a by notice to Lamle: &wp of Boexodies's ahohtge add add If I.eoder of ?a prooed+us for ?portldg aoae of oddmu6 1 BperoVYer sher4do ll tlznav? d* hie MW be a* no draigoated addms hmdrr se&j* Iendhtuw I ml l aoe time. Airy nokta in tenter dhoti be given by dellve ft it or by =dWj it by &A class moll to I.e WWm add= skied Iowa RWM Lender In defied aoodW eddrM by w doe to 13m6 wa; Any maw in amoc*n wa this Scmft Iostesmnd tdtdl oat be deemed to bon bem glum to I.mder WO WkWbr wdm iegn W by Ob Smz&y Ym meheat i9 dw mg?w mwa vdli to =Npmft M U dw fhis 98 mft bobumcaL I& V- t?k11i BOdes Of G?oh?eblW ah. M dg 10shUmwt ahaII ba do 111W I gavpsled by flalaal law md*A jmb "m in wihlda the Propa?y bested All Eighla and ooskdred fu ihta somby Io wsma t aro oat I* aaI? I i I Rmps-to ml Bmfpgtaee of be 1d;ert, botwh ilko mt bil ioustmed a by by caolraat, in the cunt Roth aegl pvovbian or daaeo of NS Security tmtihmnenot or the Note cad v Apps law; such wodw ahdl not atB?ot odhar pdwiedaav of dais S mcwj r bow= or the Me which em be to acumcftper, Im hta& wads wands of (10 waf& Of Ow mos mlw sunder shell mean and dnchde and #mvase; mod (c) dw -%od "Y" ; N) ach a &a sn>g A& mom and owe dblaafiaa w1Hhrt ooy OWigga to woom Y . SGING¦es% OW. Baetmw droll be #m gem oW c the Nobs and ofdhis Saw* Wument 1i12hmft of rn Pmpeb sr s IbemtAtid bieeest to s9eldn a As w dl in Sertkn 1$, %kourt in do ?mpee(y" mom mw 1 or bwfim bwtd in 010 ft pmly. but not 8ndWd m. those b® row ialehe ca INFAmed a bead for do4 coeinat jr deed, iced alma cooked or edchryw gommU4 the iobet a f'um* ie to t mdm of db by Bmmww t t flue"to a pumbesm< man or NW past ofthe pm r* ac any in the Propeq b mold or hmarmaned (a 1fHohsovoer i9 pot a nghtral potion and a bavgddd date4ost in BOe[Ower is sold ar ?_ v I.m>mu prior Seem" nate ism baaaamat. Ebww. fts not be cw*W by Len or if 9h eae Appapdtla Imt?. If Lmelcr mpe dma Wo gikiaa, under ahll gyre Botmwer n60 Of gooalaredda. '[Le aatloa ahaII f spodod atnot bw gm 30 days ftm is deb the naddee ie g', b, aaoohelelhoe vet Sadlaa 1S vet ad h gBoomwer hmhot pay oil tam foamed by this Scow* it HgQOVrat 6 6 tD p w 1 seers 11 m We m?ation of dais period, Lai" play inNola AV pambted by tthle 14, hoimaetwmmk 1ittWern*cord=wdoaBoaow. #ee[rMtir'ht W& to Udmheo Aflier AsetlKWha If Bcosvow meets 'omWn ow&d.., Aoaveeer tkLr>t hove file t m Moue aft=mad of this Se wkW hsbnmeet lea *mod at MW t4ft pd Ob 8=0* bmftumom? (h) w lb to mint ol; (a) tea pd? bobm agile of 2e Piop * pm"W to gory pf ode oashdioed in of a Law mig>t qvdo ser the ta010 im of Bdm=Ws > t lb nrbdit' or (o a paclod ea aoehdidiooa u *4 Bmuwes: (at) PRO l+eadar all mms wLiait them b&NDW wcoN be do Ww Ws g? Iselmalwht sod the NaM m if po aeodeadl m Lad ooot i (b) =a say deli & of any other coyeeh or 118511Q975 w?af«? / `K-- '+atMltmah rap 11.11a Foam 7099 9101 RK t. 93 0 PG 4 2:5.0 Co} i?'a sll maarod is tafaroing tb? Secaritj? ?? boa not laaaited ?oaaooahla OmWe fees, PqMV ink and v" m AoM and other tboa inotnted for plions, of ptoleft Lm m% meCmd in the ftVW load n*u under lids Seca* Iu and (d) W= Ofth action m Lmdw sW nnm* mgtdce to aswt+e that i andet's IMMvg m the YmpWiy sad sift vcudV ' gad BOUV%w'a obi4pdan to poy the mm ssoaed by ft Boom* mahaoped. Leatia msy ibgilire that AoonsWm Pq pmt stone an empow d in cm or morn of thm fo"OVNI ftML, as saleoled by La drr. (a) w*i (b) ntWW ads , (a:) vdaoK ?edc of o 'e dw* Ptotirided MW ? dw* Is *m W. depcoW Wee roamed by a fademi a®e q, iaairttmaca (dEJeetioafa 'Donstm or twelbr, or Arms ILTM teinabdeotmt byBomww, ibis Seoari?, Inekttammt apd shall eaaadtt f* ei live 3f sd aoodawdop bad eoctated. Irolaewtr, this o ebSU a ihail tapWn69caseofaoaatanttion tgadloa1tt Pat OMPMw stj%k Ckwfe "ON 8wvim Nda of fittiartmm The Naas or a pa+ttal i Wmd k 16 Nome Hoaovter t? ft badly lttahemeng can be mkt cm or mots time v?out parMr np<kp to me fn L dmp ?rmmb doe wader tbo Hots sod ? on* (? #a d'°0 "loan S?evioe? that ao>hwnmvW ? atarlaigg order the NO* this Asad pafatma I odoor moths loan ace ar enas ofiba Lam &"k& d to it ado af date Xft If & eL+ is ?? be dilqp 51"m or, BM =w wM bs Sivas v dMw UWN of dw vtiaudt vssW,rate the» mid a a mw Loan 9sedca, the offsets to vtfidclt peyaas M ahanld be made sad aW Odw, won XWA nlgaisw; Y, a um %r*w wI6 a autiae of itaaa6 pmcbmw rt of servicigg? tbre4*a i5 MW ad Ilan aatvlping tg to 14 pa Bona aeaoa aWar an Ow vd s id Lam Sav of pr cr bo tanefened to a ohoraeoe Lana U vhw ad are not Ntt ?otm r Lmd Tito provided by doNalepaobt?ar +aq' cammaaoe, J? ar be iobted to ??)oy t, (es eidta as i vlaitld c r As xumbw of a oba) that anions &= G o afar path s Willow pu=mt to tltla ?>?splraaattt arlluat that the atom paely hu bNasched ally POMM OC of OW ** owed by room kw=Gust, %a s raft Imawar of T ben lwftd ft odor P* (vyif t such Rod" Aw" io? NOWRanoo *& ilta IN of 9eo m M of sorb vIWd bmo* end ?wMcbd do M T.ttvr ptvvidea a ? ?' SW°8 of to* mdoo to NO t#oemm va aurm If IFEW Wft =W *?w ptnied wlit be deal W to be nummtk &r a of is bafte a ta?iea can be talons, that time opp , to lase 8tm m Bonum pat?aph. 11to wtime of agbrdm end Nor putrasaet to Becdpt )!A abdl ba dp ep io 6ecfiaw 22 sad do WON of s podmtdm SWa io e?1on ofihia 2f. ?fY fta aodce sad appaa;ttrpmtty Oa ittiae omsetat?a b' alVbdum aa. As toed in thin Section 21. (s) SURdout &*dmw alb those 208M M oafs wd as ",Iu cr bmm" or Wwbm by &*ccomW Lm abd gm, 'buv dom% VOLtlttt" aditr ficum" or tondo pofayi* Pm, tonic m0awas now lbdetal ltws end k" ofdm jv t dw ?°?'Q boded 69 W ID t a$qr or (a) "Ewhomaed ( tp??t a?4 -'..I atdita, or ra OUW atht, at Mood in EmknnmaW Lm and (d) lap *W"Vom ? ? MOM It cooditioq abet sat caage, cmttribtrle IN or othdvvkp try Ian FnvitmmKllw 110511075 dG wweK r? Aim Molests FOM3M 1le1 ON 19 3-0FG 4.254 Bmuww sbedt not cam or ? EWnrdm gobmbmglm a' to 11 a M a9_ a, as or its oYaair Lav?, (b) v ago" an?MM, a (*OW is ffie of OW a*=Em" cmncp6 um or Heatla? 9abaaeeL ?aieeoEes ra ooedmm *t advtady dbm voo of, The nbm oft 11 $ m iQe b to be M an die ido ? X00 pmb to uses end to meooe i[eopee?y ?miped to. bemdwe tae in pr{?? Bommw, gasw:c"4 (a) CWM. Nmedow toer or Bo<vloamnootat Tatty a* tBmvia®aadel t?aeditioq, luaiteting bat -- -- H w to; tpllu? ] •» ox twat d(if ean d sad {a) any =waded by tJie I ml P, tae or teleaf0 of t< i sdoae taoe wWot? edse? the MIN at the keope . Ifj " of is wowed aam? n?nidp r auac*, or ?? Fi? "'s vat vd LN od a nme"m moolmy 1 sill: is aomcdmeaoBn r?iet Laws, ac ml on jK#brmBaaaaml tom, Naddbg hest sey obl MfUNU M C70V 103mNI'B. Bamma sod I?dor fiuthor ao end e?+oa as iioltowe: ?s, X40dw 1 On undo to Bose+rw?t to aok** M d eaa.ear ?rwort h tieeady' aaeid?a t¦?Idoe¦e?lMeMm M wow Lw'!es*Wr NYC t>ro ilrlt >?t tied *e?? tht.etra a apr . %= mod; in 1 bo as ie? to reedt IN aordmodrr offt am wood" b ft & e o* ledeseea. ar<,d..mwa b. ..,. ?, w p oa01?1raM ?M1glalb ? 1! d a? 01' now saw w ME L A to N! ?iwNoefW K*MMVIM?wt> Twad?c eeiet aZ=;; i rwiW b ab ut now Am ad no ob odium to do now pt?i i?iy NIL 29 >1 10 ?pw 4 wnetcoimunaaoeimad of Be aea adS'a a? o ZL e ]Ifeaq >tfoet?a )f??ppI of tha debt aeoWd by this &vxiW loft is toot. to Hmvwec b she a 7o bb , ih? 3sonrtrt® eLe1f 1a qt p?we npsey ni 27. ?el?latlttlo ?*ee Jiolaeat. Burtvper ytneo tbet the 9desat jade p eihec a t is tanhad = to No or w aotinn at MMIP?a ibmotaa n dM be On rMa peyeibtel Am twya to *w 1106120976 fWd 14 "?'iUea ?,o,uate Form ma Im UK t 92BPG 4 252 BY UMQW RMOW. B&MM swgM wd Mgm to We tacos and owwk* coam hod In this SWJ* Od in aW Kidm wombed by Baawwa sad i mubd with it (W) (W 4mufter _ (tw) -Namma Ono Kevin A Cooper .90 H (&d) -130mma (81 .Bonoarcr 1105110975 Mtae4 Pps ts.rti Fam watt IMI 191 MXFS425-3 IMPYLVANtA,w?.?,. Cermtf of Onib4t Qw 23rd dayof September, 2005 tradeaiMWcfeet,pmKwdW'ppeawd Kevin A Cooper berate me, the knom to me (or edweokm* Puvcu) 00 to 9W paesaoW wbow fig) Wpm tatb albed to due Wjddn faw m w and admowWmW to Bdsl agw =wand the wn the do pt q*m hw*n oo0pdned. INS WfMWJpF, I 3d myhaW Wd RIiOW Seel. My Ca MML' m mwkw 1611(.106 J WINOM li?nplnt7Mp?,ambetieed? ? ? WpMr?t Oet?a?"° l ??r' ???? 15pe a[4114cer O[adde•ee , GD Kt+1:L+4!.? do hereby certify that de ooeiect addoesa offfia v nW Moctgegea 9s P.O. Box 2A" flint, M[ 45016-2026. V?ess ai brad ws 23rd 1105110975 "Mtmq dayof September, 2005 _ AgaatolMortdag.e M.A E/ At t'wa? u of to Farce MI IM PRWAYI MM--HID= AEI dlt meexllfiaittofdathJt 23rd dtyof 9*1=bw, 20M mmd1?leeerpar.dediota moddmdbedmmdfotmtodfudfoppkm mdeMoftk%Doodofmm4 r3@=IWDwdhhe-MUAityiadmmt ) oilo aFio?ii Id.Cd 06 %WOWNM towcw.eaooq.r X* (& hro ' 140" (dtidet d6*m m4*m1d Re datonbedinthsl{vuftiglWtltmwattadlaaebdec ass vla?looelfaotello.adoufi?. ini?3L?ANiA tfilsst?mhahmd (bo"hqual)• a?aoeaeadl?tad+e$efhar?s n?cemtmytttfotlhhs?eNokm<8oauitylu?oump? Bu?ewrrlrtiBrti?tmnu?iatp4ymmh?ofpdooipdstay thus bsC=*gW&&AptY -a dpda*d mdy a hmown d n'pgrmmt' Alht1 pep gmm r b 16ya poaptrymept of Wotptba ptLwipRt due Wer d,e)Iode.ApgmmtQfa*pdof&a=Void Fk*dl5kno"nu'patLl • IA/ dMmdwxtbMLpqMreltef?i4dl9MFdw% mtfyfmdeLlfupq*mtd ~O*kbmmmt aC:YP?tnlflihegMotapmpwmAkvw*w04><*w* ?GNr si wryYr ?.tTf IRo ?e+MMd Aa 1f. wN(i ?e Est p alw?e ?Yt?.? Ib dAde oR ?e Ikts aiirlf?er1?34ttftewitlll?smeiote llt>1pe24trstarpairlLWiwYtet ALteitu d=pWdt*wNmbHair•pt?grtm'AmM Tbal tsreretitgt?Iret?dfe reoe?r fdfewfiytltett?fr?>rwnteirtpN?gs NMt11?•tdAitfoelleliet0060 a""M&Rfgs dr f?p>?ttt? pdt/pteefiitdfY dAb eta prrpiq?*wt, fweq' leetet (7i+G) attle efl?tAn ?fiAeytd teiiewf e[t?e lrefd No pt?p?eetpmeity w!(l1s aedtndfarrnyp+apeymaotuwde aAvthb>hfcW afonmt ofUbNON term. ?' d®th?6elo?r,eane?rreao?pd teda?to Ibe tcost mdoowett/f weebdaodla?Lprgigrmaotitida: ONO "2ZERI lltlns"Immulom pv1eN LgpNadw.1143imm r??pt (W (W 9423 fiPG425.5 s10=IS "A" x1mm 066 CItT ev.1 MA tea 'Craft or parMl of land lcoated Ja Mmu m Tomm8bipr 3aad Camtwl --t].a?mial bOtradad and a=* pastiaalaslf daoarAI-A la the WAam7. liLum 9 1 14 sUs $las fpr 2haRaa 9oatt SWber arad Zm=m R. tsar add Mom od S. DUM apd Gww rlOm A. Moh', pfd by stew o. namc, itraleasiaoml.', Land Svsvoffor, daU d Oatdfiaa: 20, 1995, rtrvisod RavuWbaw 20, 1"50. and *eamoded on riaaaabea: 6 r 1005 in the Offios of the bwordiw at D"ds of traanty, Paddaylvaatiia, is plan sock U, pa" 49, mi i'olioara, to dt:t i at an Anon pin in tba o stew of L""Iativo saute 21026, bamm as Old 8two Raasa .load, bata?aaa Lot No. 3 apd Lot No. 2 of t6a plan; own" t havao tfts a¦at mr of said road, 'JI431C16 03 "em", 19 niaaatos 00 seaaada .Rest a "Stmm of 246.00 feet to as um plat tbaaoe worth 84 dapssaa, 49 si"tos 00 aoONOW waft a distmwm of 230000 foot to an iron pin; mace South 05 Pig, , 15 aimtas 00 aaooada lost a diatmWm of 226.61 fast to as Arco Vial; tbeam llan% 79 dagsws, 35 Wiat:tma, ft secomb Wwt a "atadds of 290.02 last to an iron pin, Ow point cad place of C ¦ gross aiwt af %1,353.,05 agasa:+lr fist of which 7,349-91 agoam fact asps wLftia the dadiaated zigkt of mW, le*ariaq a not aria of 47,009,14 sganm feet. s1" n=mm Tt wm a two at"T scow a milidq. Lot: No. 2 as rhotrn and damaribed is tho ftml MU*r 8aidivi Sian Plan for 'M ome Scott Mober cad Roxim R. Wiber and Rgpmd S.- Kohl and bane SO" A. A?iahl, Mpas4d by Stnoa G. risbm, ps Emmiewd Lmd Snsvapor, idated 0obabar 200 1995, saviaad Tidvo6w 90,1998, and reoor+dad Dsoabar 0, 1995 is th* offi m of the a+aoor 4 - ag Deeds of tbabmv3m d 00=tl, lvadia, in Tr1aa scot 71, fa" 49. OEw`f, , to such oaa ommatar maatmictim m mud owmKt Ues taut mw apgy to tb6 afaze dwazibed taeaot of ltmd roamdid Oa.' d11?Op?dad. led vxmm one= 22-10-0640-079 I Certify this to be =orc In Cumberland County PA W-5309G4 Recorder of Deeds Date: ! ? 1,3/ c A.H. Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (persons with impaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MEINCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EX61 I% & .0 A HOMEOWNER'S NAME(S): Kevin Cooper and A.H. Cooper PROPERTY ADDRESS: 245 Old Stone House Road S., Mechanicsburg, PA 17055 LOAN ACCT. NO.: 9000415342 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC CURRENT LENDER/SERVICER: Everhome Mortgage Company LAW FIRM FILE NO.: 08-034125 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE IICH CAN SAVE YOUR How, FRnM FnurPr nerrnU A HELP MORTGAGE P IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY- THREE (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender imm?edi'ately of your.interitions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVE BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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. f you have filed bankru tcy, you can still apply for Emeraenev Mnrtoaap A;*.,....,, HOW TO CURE YOUR MORTGAGE DEFAULT ($ring it up to date) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months- and the following amounts are now past due: August 1, 2008 to December 1, 2008 @ $1,131.76 = $5,658.80 Other charges (explain/itemize): Late Charges: August 16, 2008 to December 16, 2008 @ _ $45.53 $227.65 Inspection Fees: _ $40.50 TOTAL AMOUNT PAST DUE: _ $5,926.95 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5,926.95, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Everhome Mortgage Company c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends- to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage- debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at an time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately -3 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, Kin of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ 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 ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING' YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 JJ2 Date: ., Kevin Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NO',TICE. Take this Notice with you when you meet with the Counseling Agency The name, address and phone number of Consumer Credit Counseling Agencies serving -your County are listed at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869) This Notice contains important legal information. If yod have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO P©R EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DP LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Kevin Cooper and A. H. Cooper PROPERTY ADDRESS: 245 Old Stone House Road S., Mechanicsburg, PA 17055 LOAN ACCT. NO.: 9000415342 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC CURRENT LENDER/SERVICER: Everhome Mortgage Company LAW FIRM FILE NO.: 08-034125 HOMEOWNER'S EMERGENCY MORTGAGE ASSIS'T'ANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1981 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF 13EING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY- THREE (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, '.the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. A APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF TRAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING 4 FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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 aaDly for Emergeney Mnrtvaon A ecic*.,, - I HOW TO CURE YOUR MORTGAGE DEFAULT (firing it up to date) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: August 1, 2008 to December 1, 2008 @ $1,131.76 = $5,658.80 Other charges (explain/itemize): Late Charges: August 16, 2008 to December 16, 2008 @ _ $45.53 $227.65 Inspection Fees: - $40.50 TOTAL AMOUNT PAST DUE: _ $5,926.95 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5,926.95, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Everhome Mortgage Company c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise i rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys; but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ 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 ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 HSBC Bank USA, as Trustee for OMAC 2005-5 v. Kevin Cooper and A. 1-1. Cooper VERIFICATION The undersigned is Kellie Rohling of Everhome Mortgage Company on behalf of HSBC Bank USA, as Trustee for OMAC 2005-5 and as sucli 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. Everhome Mortgage Company on behalf of HSBC Bank USA, as Trustee for OMAC 2005-5 Date: ?&L k Name: KELLIE ROHLIN Title: Vice President Company: Loan: 9000415342 08-034125 C) J, c ca -n r? cr.? N -a l i"t , .. J SHERIFF'S RETURN - REGULAR CASE NO: 2009-00757 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA VS COOPER KEVIN ET AL KENNETH E GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon COOPER KEVIN the DEFENDANT , at 0017:42 HOURS, on the 12th day of February , 2009 at 245 OLD STONE HOUSE ROAD SOUTH MECHANICSBURG, PA 17055 by handing to KEVIN COOPER 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 5.40 .00 10.00 R. 'Thomas Kline .00 33.40 02/13/2009 SHAPIRO & DENARDO By. day A.D. r 4 i cy ? ? s .:1 SHERIFF'S RETURN - REGULAR CASE NO: 2009-00757 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HSBC BANK USA VS COOPER KEVIN ET AL KENNETH E GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon r1nnnVn T W the DEFENDANT , at 0017:42 HOURS, on the 12th day of February-, 2009 at 245 OLD STONE HOUSE ROAD SOUTH MECHANICSBURG, PA 17055 by handing to KEVIN COOPER HUSBAND OF 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 6.00 Service .00 Affidavit .00 Surcharge 10.00 Sworn and Subscibed to before me this day of , So Answers: _; eJpo???_;;? - R. Thomas Kline 02/13/2009 SHAPIRO & DENARDO By: A. D. ? -, ..-1 ? 1, ? ,? ` ?? ?', ? ..?.- ..?? ;-' f . ?l SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00757 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HSBC BANK USA VS COOPER KEVIN ET AL R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT(S) but was unable to locate Him in his bailiwick. He therefore returns the /"+/ITRTIT T TTTT hAnnT VnDV the within named DEFENDANT , OCCUPANT(S 245 OLD STONE HOUSE ROAD SOUTH MECHANICSBURG, PA 17055 NO OTHER OCCUPANTS LOCATED OTHER THAN DEFENDANTS , NOT FOUND , as to Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscribed to before me this day of So answers: --?'", - 6.00 .? .00 .00 R. Thomas ine 10.00 Sheriff of Cumbe -and County .00 16.00 SHAPIRO & DENARDO 02/13/2009 A. D. ? ? "=zz :A4 ?J .?1 ¦•¦¦¦¦rr¦¦¦¦¦r¦¦¦¦¦rr¦¦¦¦¦rr¦¦rr¦¦¦¦rr¦¦¦rr¦?rr¦¦¦r¦¦¦r¦¦¦r¦¦¦¦¦¦¦¦¦rr¦¦¦¦¦¦¦¦•¦¦¦¦¦? HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff v KEVIN COOPER 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. COOPER 245 Old Stone House Road South Mechanicsburg, PA 17055, Defendants : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY : NO. 09-757 : CIVIL ACTION-FORECLOSURE ANSWER AND NOW, comes A.H. Cooper, by and through her attorney, Richard Koch, and avers the following: (a) A. H. Cooper is not a party to the mortgage at issue. She is not listed as a borrower on the first page of Plaintiffs Exhibit A, nor is her signature attested to by a notary in the same Exhibit. She is not a party to the mortgage at issue under the standards outlined in 21 P.S. §444, which sets forth the requirements for a validly recorded deed in the state of Pennsylvania. As the statute states, any deed not in compliance with its requirements is to be adjudged "fraudulent and void" and obviously unenforceable.' (b) Admitted, to the best of A. H. Cooper's knowledge and belief. (c) Admitted, to the best of A.H. Cooper's knowledge and belief. (d) Admitted, to the best of A. H. Cooper's knowledge and belief. 2. Admitted, to the best of A. H. Cooper's knowledge and belief. I Admitted, to the best of A.H. Cooper`s knq edge and belief. 4. Admitted in part, irrelevant in part. Defendant Kevin Cooper's address is as shown. A.H. Cooper is not a legitimate defendant and therefore her address is irrelevant. I 5. Admitted in part, denied in part. Defendant Kevin Cooper is Mortgagor and/or Real Owner. A. H. Cooper is neither. 6. Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue, and therefore is without knowledge as to the state of its performance. 7. Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue. 8. Neither admitted nor denied. A. H. Cooper is not responsible for any part of the mortgage at issue, and is therefore without knowledge of the Plaintiffs future costs. 9. Neither admitted nor denied. A.H. Cooper is not cognizant of the terms of the mortgage documents. 10.Admitted in part, irrelevant in part. Defendant Kevin Cooper's received the stated notice. A. H. Cooper is not a legitimate defendant and therefore her receipt of the stated notice is irrelevant. WHEREFORE, A.H. Cooper requests this Court to dismiss the Complaint as fraudulent and void, or altematively, remove her as a defendant in this suit, or alternatively, require the plaintiff to amend the complaint without A. H. Cooper as a Defendant. E 1114l32 0? Date Respectfully Submitted, AR AardKochfi?, squire Law Offices of Richard Koch 710 South Market Street Mechanicsburg, PA 17055 CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the Answer of A.H. Cooper in case 09-757, upon the plaintiff, by depositing same in the United States Mail, first class mail, postage prepaid, on the 13th day of March 2009, from Mechanicsburg, Pennsylvania, addressed as follows: Ilana Zion, Esquire Shapiro & Denardo, LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19046 RESPECTFULLY SUBMITTED, i101 South Market Street Mechanicsburg, PA 17055 (717) 691-1882 ID# 92956 r.a }r Film SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-757-CIVIL TERM MOTION OF PLAINTIFF, HSBC BANK USA, AS TRUSTEE FOR OMAC 2005-5 FOR SUMMARY JUDGMENT Plaintiff, HSBC Bank USA, as Trustee for OMAC 2005-5 (hereinafter referred to as "Plaintiff'), by and through its attorneys, Shapiro & DeNardo, LLC, pursuant to Pa. R.C.P. No. 1035.1 et seq., hereby moves this Court for Summary Judgment in its favor and against Defendant A.H. Cooper. In support of this Motion, Plaintiff avers the following: 1. On or about September 23, 2005, Defendant, Kevin A. Cooper, borrowed the principal sum of $178,400.00 from Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC ("MERS"), as evidenced by his promissory note ("Note"). A true and correct copy of the Note is attached hereto, incorporated by reference and marked at Exhibit "A." 2. In order to secure Defendant Kevin A. Cooper's obligations under the Note, both he and his wife, Defendant A.H. Cooper (hereinafter "Defendant A.H."), executed a purchase money mortgage on the same date ("Mortgage") describing and encumbering certain real property located at 245 Old Stone House Road S., Mechanicsburg, PA 17055 ("Mortgaged Property"). A true and correct copy of the Mortgage is attached hereto, incorporated herein by reference and marked as Exhibit "B." 3. The Mortgage was duly recorded in the Office of the Recorder of Deed of Cumberland County on November 14, 2005 at Book 1930, Page 4239, et seq. 4. MERS subsequently assigned the Note and Mortgage to HSBC Bank USA, as Trustee for OMAC 2005-5, by written assignment, dated December 19, 2008, which assignment was duly recorded in the Office of the Recorder of Deeds in Cumberland County on December 29, 2008 as Instrument No. 200840564, ("Assignment"). A true and correct copy of the Assignment is attached hereto, incorporated herein by reference and marked as Exhibit "C." 5. According to the Affidavit of Kellie Rohling, Plaintiff's representative, Defendants failed to make the required monthly mortgage payment, which payment was due on August 1, 2008; and they have failed to make any payments since then. A true and correct copy of the Kellie Rohling Affidavit is attached hereto, incorporated by reference and marked Exhibit "D.59 6. Defendants' failure to make their monthly mortgage payment on August 1, 2008 constitutes a default under the Paragraph 3(A) Note and Paragraph 1 of the Mortgage. See Exs. "A" and "B." 7. Plaintiff provided the Defendants with Notices of Intention to Foreclose (hereinafter collectively referred to as "Act 91 Notice") pursuant to 41 P.S. § 403 and Notice pursuant to the Homeowner's Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seq. (hereinafter collectively referred to as "Act 91 Notice") on December 31, 2008, to the Mortgaged Premises via simultaneous regular mail postage prepaid and certified mail return receipt requested. See Pl.'s Compl., at Ex. "B." 8. Since Defendants failed to cure their default within thirty (30) days of the date of the Act 91 Notices, Plaintiff properly commenced an action in foreclosure pursuant to Paragraph 22 of the Mortgage and Pa. R.C.P. 1142 et seq. 9. Plaintiffs Complaint was filed on February 12, 2009. A true and correct copy of the Complaint is attached hereto, incorporated herein by reference and marked as Exhibit "E." 10. As of this date, Defendant Kevin Cooper has failed to file any response whatsoever to Plaintiff s Complaint and the Plaintiff has or will shortly cause a default judgment to be entered against him. 11. On or about March 13, 2009, Defendant A. H. filed an Answer to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto, incorporated herein by reference and marked as Plaintiff s Exhibit "F." 12. Defendant A. H. 's purported denials in her Answer fail to plead with the requisite factual specificity required by Pa. R.C.P. Nos. 1019(a), (b), (h), and (i) and 1029(a) and (b). 13. Although Defendant filed an Answer to Plaintiffs Complaint, such Answer fails to raise any issues of material facts which would preclude the entry of summary judgment. 14. Pursuant to the terms of the Mortgage, upon Defendants' failure to make the payments, as set forth hereinabove, all of the sums due in accordance with the Note are, upon demand, immediately due and collectible. 15. As of this date, no monthly mortgage payment has been made in over ten (10) months. See Ex. "D," at ¶9. 16. As of May 7, 2009, the following amounts are due and owing to Plaintiff under the Mortgage: Principal of Mortgage Debt Due and Unpaid $178,400.00 Interest $9,285.42 Late Charges $354.34 Other Fees Due $94.50 Foreclosure Fees & Costs $5,000.00 TOTAL $193,134.26 17. The pleadings, exhibits thereto, together with the Affidavit of Kellie Rohling of Amount Due and Loan History, clearly demonstrate that there is no genuine issue as to any material fact, and that Plaintiff is entitled to summary judgment as a matter of law. WHEREFORE, Plaintiff, HSBC Bank USA, as Trustee for OMAC 2005-5 respectfully prays that this Honorable Court enter judgment of Mortgage Foreclosure in rem in its favor and against Defendant, A.H. Cooper, in the amount of $193,134.26; together with additional expenses and interest through the date of judgment and thereafter as provided by the Mortgage and applicable law, plus reasonable attorneys' fees actually incurred, and costs; and authorizing the sale of the Mortgaged Property. Respectfully submitted, SHAPIRO & DeNARDO, LLC P?- BY: Michael J. lark, Esquire Attorney for Plaintiff/Movant Attorney I.D. No. 202929 Dated: May 8, 2009 08-034125 InteresThstaat NOTE September 23, 2005 Mechanicsburg PA Iwkl Ic4al (W-) 245 Old Stone House Road South, Mechanicsburg, PENNSYLVANIA 17055 IP7elwa Nsra•I 1. R()RROWI3R's PI WNW TO PAY In return fit a loan that I We received, l prombe to pay U.S. $ 178.400.00 (this amount b ailed "PrJacipai"? pluxintarea,to die order ofd*Lmde.The Lederb Optewl Financial Services, LLC I will utake all payinatis radar this Nob in the S m of cash, check or money order. I wdxatand that the Laodtrc may transfer this Now The Wider cc ayywo who takes thin Note by Invisk and who is unlitlai ru tecci ve payments under the Note Is called the "Nato Holder." 2. LN'ruisT Interest will be charged on unpaid principal until the f(tll amou t of Principal has been paid. I will psy (otsest at a yearly rate err 6.125%. lire interest. rate required by this Section 2 is the rate I will pay both below and afar nay defk& dc=Vmd in Section, W ordris Note 3, PAYMENTS (4) Tbae and Place of Ytyeuab I will rnnke a payment every madly This payment will be for interest only for the flat 120 MOM". and than will aatsim of principal wW interest. I%illmakemymmdilypeymaoton the 15t dayofteohmawhbegiaohtgonNovember 01. 2005 Twin oaks these l,nyamus every month until I have paid all of the piacipal and iulaest and any other tthttr®ea described below that I nary owe ardor lha Nob. Each monddy payment will be applied a of its scheduled due dab, and If tho payman includes, birth piirH:ilarl and inter>rst it will be applied to Irdaest bettors Pnrrclpal. T? on October 01. 2035 , I still owe amamh tuxler dtic Nuts, I will pay those amounts in dill on dud doe, wWdt is called the Maturity Data" Iwill makemynrondtlypsytoeMatP.O. Box 200010 Kennesaw. GEORGIA 30156-9246 or at a differs t place if mWired by the Note Holder. (N) Amaost of MoatW Pgntm4 My mMuhiy payment wit be in the amntmt of U.& $ 910.58 for die drat 120 ruaths of this Note, nial dereafter will be in the amount of U.S. S 1.291.02 71e Note Holder will nodfy me prior to the dose of change in monthly payment. k BURRUWII'-R'S RWW TO PREPAY I have die right to make pe wAM of Principal at arty tkw befm they we due. A paymad of Priudpal only 1s known as a "PrelAk nrent." Wien I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may nor designate a I ",. , rent M a Pt"Vil of if I bave amt made all the mootltfy peytoaats dos under the Note. I ntay make a full Prepaymmt at patiai Preptp nests without paying a Prepgmatt: drags- The Note Holder will rise MY r,rlc+yn,ents to reduce the smourt of Principal that I owe wder aide Now However, the Note Holder my wtv my Prepayment to the -caned and unpaid It et cost on de Prepayment amouK bdm opplyring my Prep@Mnat to radios the t1 hH•11ad amount of die Note. If I make a partial Prepaymat, therewill be no changes in the date date of ray mombly payment 11115110975 100135811051109 MULT95TATE kOr"U trot FUM RATE NOTIMInsla Famay wmb Rae WIFORM 1Nt171lUMENT e3eN t91w1 Forte 11171 1101 Nor KOH(W Cro"s-patl4 t-? ""r• i ni x yJ? MEN Em, - ,-? b A w de,s dos Wit Holder rupees in writing to dense clumgm However, if the partial Prepayment is mado during the period when nr? neuetlely pa}nnaus omnsLt ott? of ' - the amount of the motodhly pqm% t witi decrease for the temainda of dos term wlwn my paymeols coosiet only of inl0ereat as well at during the time alai easy pouninds aaalst of pdncpel sad h*060G If the Initial Prelxiyment is made during the period when m y payrments oeesid of principal and loicreek the aumoent of my monody leayment will rat decrease; however, the principal ad titer Interest togWW under this Note will be paid prier to the M durity Dew 5. WAN CAARGES it a law, which applies to this loan mod which sots mmaimum loan chargers, is tinily uttescpr F u l so that the bste est o r other loan charges collected or b be coffeded is connection with this loan awned rho patmtminod llmhb, dm- (a) ww such lean dnage alaall be reduced by the amount necessary so redoce the ohage to the pwadtted ? std (b) a y sums alrady collecied tiem me which exceeded permitted I m b will be tollmded to me. The Nob Holder may chose to male this road by reducing the l1rh ecipal I rawer uudta this Note a by malting a direct payment to me. If a roftmd ieducas Principal, the reduodon will be seated as a partial Prepaynnenk 6. BORROWER'S FAHAME TO PAY AS RRQUn= (A) Lets Chwr far O?aadss Peymeab if the Note I lohder has net received the Ail amount of any monthly pnyme at by the and of 15 calendar days alter tlw date it is due, I will pay a last charge b der Note Holder. Tb a amount of the dwrge will be 5.900 % of my overdue payumut of interest and/or principal and Imatnt. I will pay this lase charge promptly but only once on each hue l ynxnl. (8) Bafnk 1 f I do not pay the foil amasu of each monody payment on the data it is due, I will be in default (C) Notice of DAM If 1 am In debut, tics Note Holder nay send me a written notice telling to that if i do ant pay the overdue smonnt by a cctWit date, ties Note Holder may requ re me to pay hmmediniely the Sill amount of Principal which law not been paid and all six interest tint 1 owe on that amount That date aunt be a least 30 days after the date on which the notice Is mailed to me or deliverexl try other Jeers. (tt) No Waiver By Nose Udder Even if,. at a time what I am its det><uk the Note Holder does not require me b pay immediately it Evil as deacribed above, der Note Bolder will still have du right to do so If I sin in deftmlt at a later time. (R) Payment of Noll Header's Cats sad lspeasss If the Note f polder has required me to pay immediately in full as desetibod above, the Note Holder will have tier right to be paid back by me for all of its nosh and o Tanssa in tmf dog die Note to the uacteot not pm bitad by apps o" law. Those exImmes include, for waun e, vessoad is adomeys' Sees. 7. GIVING OF NOTICBB Unless applicable law,roquires a different method, smy aotice that must be Riven to me under this Note will be given by deliv ring it err by nslling it by first class mall b me at the Property Address above or at a ?aed addtrae If I Rive the Note Holder a t"ce of my dlf mint address. Any uotioo slut must be given to thhe Note Holder under dds Note will be given by delived% it or pry -it it by first clans mail to the Note Holder at the address stated In Section 3(A) above or at a di>?asat addrem If I am given a notice of that different address. R UBLIGATWM OF PF,88(M UNDER T M914M If mwD Umn owe person s igon this Note, each person is Sally sand paaom* obligated to keep all of the promises made in this Nrgq including the premiere to pay the full amount owed. Ate, person Am is a guaraodw. staaty or hodo ner of?this Note is also obligated to do these things. Any person who talon over those obligstiom, including the obligations of a guaresttor, nasty w eoakxser of thhis Nob, Is also obligated to keep all of the promises made In this Notes Tim Nol a Holder may emforee its rights wnler this Note against ash person individually a against all of us together. This mane that any one of us mp' be inquired to Iay all of the annamts owed under this Note. 1105110975 100135811051109 Faaa_;]i1?1?t , 4D. -eras N n106) vp, 2w a ?y?/f=/ a V• WAIVBR5 I ad any other person who has oblipfims natdar tlda Nob waive the rW* of PramwAmed and Notice of Disholor. "Pros wham " am ms the ri* t to regdrre do Nob Fielder to deamd payment of ammats due. "Notice of DWwme means the right to mqulre dte Nat Holder to give mtka m other persona that amounts due have act been pad. It UNIFORM SBCURBD NOT This Note is a uniform itatrnmeat with limited variation in stave jmbdiaitas. In additive to the protections gives to the Note I holder under tats Nola, a Mortge®aa Deed of 7rrstr or Seantity Dead (tbs'Setm * Imhunat" l dated the hats due as Qris Now. protode the Note Holder Am possible losses which might result If I do not keep the poamists which I mane in this Notes That Security irtsfnmaaot deeQiba bow and under what camlidaus I may be required to mako immabb payment in Hdl of all anlmob 1 owe ender this Nole. Same ofdwn condWo so described as £oibws: If all or any part of the Property or any b*na In do PnWV Is sod or tea d med (or if Borrower Is not a nstutel pwm and a ba dleld fa' ' in Boatow is sold or umsh ed) without Leadati prior Whim comment, Leader may rogdm immediate payment it Aril of all am no by this Semity kott went. However, this oplim"lot be eaeress l by Leader If arch aranr I is p ubibi ed by Applicable Law. It LOW" sraedasa this OPffA , Leader vial" giro Bmawar notice of amderadim The no" MW provide a period of not lea than 30 days team Ara date the notice Is shm bi aoocrdrtm with Section 15 within wNcb Borrower must pay all sums seared by this 9amrity Iost ranett If Borrower bile to pay these sums prior to the mgirsiion of this period, Leder may invoice any ramdies pen"lued by dais Sacm* 1-h-leW without fu t m mdca or demand on Barmwer. WI fNHSS THE tIAND(S) AND SHAL(S) OF TM UNDERSIGNED. 7_?. _ (Sad) (beat) Kevin A Cooper -80crowec (?) '(seal) -Honorer •eortosm 4&Kmw (sew) •aOrrowa [Sir Or+skd 0*1 1105110975 100135811051109 4pa -eiam ro,osr raeasra Few >I171 flat Without aeon m, pay to ft OtdW e. Prcpared By: Lisa Szabo 11116 Century Road. Paramus. NEW JERSEY 07652 Rawm To: ACADIA SETTLEMIM, t,= 341 MRTR SCE PARK ROAD SUITE 703E 0 A STA7L COLLEGA, PA 16803 PH: 814-272.1405 FAX: 814272-1406 11^, i RT p. ZIEGLER ' OF DEEDS r;?u ly PM 2 20 PawrdN'umba: Promisor: 245 Old Stone House Road South 22-10-0640-079 Mechanicsburg --.---?•• (9p?ee A6wn 1iL IJa. D.r neneis>kbl MORTGAGE MIN 100135811051109755 DEPIIMONS Wade mad iu muldple sw io®s of this dwmrmd are defhad below and odmr wards are defined in Secdom 3, 11, 13, 18, 20 aid 21. Cut& rules regsrdtng the usage of words used in this doauoosut are abo pt+ovkW m scam 1c (A)"&wc*1<id3¦w rMarostinedoamwmwbkkisdamad September 23, 2005 , togelher'widls alt Rides ? 14ts doauma?t. M"Barvoaer" is Kevin A. Cooper Hors mor is the ma4mw tinder IMS 8eourW Imtsw=L (c)" Now is Mortgage 131aetrank PA51suldoo. Sya ns, me MM is a sep®m awpo"don that is raft solely a a amdow fw Linder and Y.mws sumossors aid ate, mns 4 dm =f, %V ? ee Liar' dd; NUMIF LN4nmaNt 1dERS is orgmlxed and Vd5*g uo& the larva of Ddowme, and has an ad&= and klap6m sasombar ofP.O. Box 2026, Phut Mt 48501-2026, tel. (888) MM13R.S, 1105110975 PEWABYLVANIA - Staple FAMW • Famb ft~ 18 the UMFORN INSTRUMENT VATH YERS Farm 3020 1101 4"A)(61ft) r.a. r «>Q ax+? . r. N UK .1-9.3054239 r= 94; L -4 1 is (D) -Imw err" is Optetm0 Financial Services. LLC iAukrisaLimited Liability Corporation otBrstizxod and ax3 vodec rite laws of D£LAMARE Lratim'saddreasie 11116 Century Road Paramus, NEW JERSEY 07652 Q9) "O° nmw the pmomiseory nobs Aped by Bwx ww and dried September 23, 2005 ZbeNotasoeow*dBoatowwowe LcoderOne Hundred Seventy Eight Thousand Four??m Hundred and 00/100 (U.& $ 178, 400.00 ) ploy interest. Bwower bas promieed to pay dais debt in regular Periodic lPaynwMz and to p W dw debt m full not later than October 01, 2035 P) "ftwpwO" mman the p operW that is domibod below uadw ft hwAwg -rrmsfor of RW to in the pzopomy- (G) "lam means the debt ovideaeed by the Note, plus awest, say prepay meet cbaW and late ebarW w dtee unbar the Nair, and all mums dun under this Sccuri4y h>skma, phs interest. (lid "RMW we= all Ridw to this SooA y lustn>tn M that era exmftd by Borrower. The fouowing Riders ato tD be cocubod by Bunmwer [(hank box w applicable]: Adj oWc Rato Rider Condominium Rider 5oocad Xbow Rider BIRoopxidesr Plated Unit DaWopawnt Rider 1-4 Pamt'(y Rider VAg Mwo ftPPgvnict Rider ms(s)1190*1 Legal Description and Prepayment Penalty "Appleadb Lw" man all ca droMm applicable federal, state and focal ro6vh dai& adphilshad" arias and orders (that have the effect of law) as well as all applicable Seal, am?dmenoea (,17 " ' aa? A?oddiaa Dan, Yom and Asw meat=" =tens sU duos, f?c4 mwmam wd other oa.tbet nee i oond as Baerower or the Property by a wul minium modailnn, homwwners aeKweuon err eimt ft aegenivaelnn. p4 mole > 7YtatttLe?" means aqy Umfer of fiords, over than a uaoseotlan odgimaoed by Chwk dMA or similar pmpmr bftymaw which is imdeled ttwu& an elachunic Vmnioal, telephaoic iaetilaeseot oaavpotv6 or ntggae8cso as to order, lu?c4 of mIm a finMXW iodhilim to debit or nadir in at>a? Bach Um but is not ]hilted to, palms-cf-sale tract b% autnrnow sw maahino UwMKdook paoe9rs Wilawd by telephotre, wit+e tranatoa, and aaftmated cleminghousa isaaa6as. Q "Jrl o w Dews" means li me lluws duct am described in Sec6eu 3. pop "MUMMOM as PMem V s mts any lio% seam award of damagos, or pmowds paid by ama. a poly l? (ouur wan iaa»noe pr apuld imda: the covqgm dtboa in section S) rvr: (z) bier s t or demtnrotioa aC the Proper. , Cu7 ???m other tataing of all or arty p?rt of the Pjepe?, conveyasoe in lion of awiiso tiox or Crv) wMpreseewow oi; or omissions as to, the value eatd/dr cogditioa otdtePropmty. C 6ae18m8s Iamtm"" mm htwmw pmwctm Lender against tba uo%aymod ot; or ddu* on, yom, d m w (j) pdipd and interest under the (0) "PWh*AFqwwl" naw 00 Note, sty woumb under SocGon y See tamseat 1105110975 x %W A)(4M) PIq'V 29fis Form 3031 1101 8K-.l 93OPG420 E UMAItt?eas the Rat astdo Settlement Pi oadurea Act (12 U.S,G Sodiaa 7601 at soq) m d it$ MMUNJUP Regv?oat X t* C.FR Part 3500), as they MW t be mam w 5014 tea to or any L= or PAXIDOW or Sa?i4Y . PA" t0 rageend Mhk* to bd In reed "?t+eW MWWW low even if the Lim rtes not qualify as a -OftWiy MAW mortgage ,to a kne. (q, "Beosrrsor 1s Bonet of Neriowar" means any party fid bas tat = We to the L"MY. whether or mmtt Smtpetty t? aan?al Bonvwdt'e ol?llgatioos rmdar the Hates andlar this Seamrib? nt TRANSFl OF MOM IN IM PROPERTY This Seaoeity seeores m t eider: (1) the rvpgylnm ofthe Lodi, and all taaweK edmslww and modificadoce of do NOW and (d) dto Paiamm of Borrower's coveoal s and agroeomeds tinder tbls So=* >EaBxt = ad the N0196 For ibis pmporeti Do[mma doer haeby mortgage, tM and cowq 10 MM (addy as nonahm lior Lender aid Lender suwareors sad sagan) and to the aowaor3 and aaddos of11d M% the fimm ing deaaaw prop q located iatbe County [type Grim ,&$ 7et1di *n) of Cumberland [N3msedtiewsdidg7witd1ettea1: All that tract or parcel of land with improvements thereon as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof . This is a purchase money mortgage being the same premises conveyed to the mortgagee herein by a certain deed to be recorded simultaneously herewith- vMchamdudtyrbwdwnddressaf245 Old Stone House Road South [saatl Rechani csburq lc*j, Pentsy]va* 17055 [ztp code] C?xWerty Adds=-s loam= WnR All the ew now or hereafter Meted oa the , sad all ad"= ' #My also be Covered by this SOCUAr 7n k AU of Eis remared to is this SOawg? ar tbo "Ptgtady." Boamm lmdesatmds and that holds odyr tdt0 hVW or 6 MM zemrm? a Akr I and I lndei'8 awcessaas adi the d& so *Kadw a q or all of tboso ii*Wanand =my regrli&-cf imah db g& but tint limiaod to. mice ft and moiling thin Secumy 1105110975 1 lt•A) leee:l pipe i of 16 Fans 3030 1101 BK.193OPG4241 MMONM COVENA1 U diet BommW Is Uwfeilly seised of tin asta hreby ooaveyod and has 1be tW I* fie, Spu t and convey the PaVarty and * the Ptespetiy is a ncaguogba<uod, aco* for tat mobeaooaa d nmoL Bonowar vvattacros add will defend ®owolly the title tD the Pmpaty against all clams and damuds, enbject w zq encurntrances of ncoA 1ffit3 'Y R1RiDANr amWxm uniform uwammts for national use and Boeranifomn an wants with imbed vaniatiom by jurisdiction tD amsubA a umfi m security iosan ica oovuxW heal ?OM COVENANTS. BOmcwer and Lander covwmtt and erg= as Mom; L Palmaof of Pdme%A bkruu 4 lRacraw Doll& ?raptq?uat clWMW, and law Clu WAL Bane mar eW pry vAm rtes the p u*d t4 and idarest am, the debt oWdowed by the Note and my ptopKym "edam rind late CitatZptt duo under the Nato. Bosom abtll also pay fiords for F*=w Item MR NMI ZD Sag m 3. Paymmbs doe =Jar tin Nola and this Saadty imehumosnt shall be made in U.S. aY-11m r-mr; if my check or odw iastmmnent zweived by Lemdw as payment tinder the Now to tlds Secmtty bstratieut is men ned to Lander unpaid, I?mdar may requite: that ray or all satbaaequent paymeanbc dm under *a Not and dds Seatdiy Insu mm be made it am or am of the following f ur, as selected by Lauder. (a) cash; (b) =my ceder; (c) certified doclq bank obeck, trmurses check ar addeft cbecir, provided ray such speck is drawn upon an u?stbutim vvboea drpom are insured by a fudged agony. lodrumeistft. or aatft . or (d) Blocwwdc Fmxb Trantfir. Pgmwb app deemed noeived by I.eadtr wbma TwOved at tine locadon des %axted in the Not; or at aucb a&w loom ian as orgy be desWout by I.cualer in socordanoo witbtbo notice p mvlsioas in SaWan 15. Lander me y zdtatn any pgnmmt at parcel pgymad if ibe putymm or partial pa emu are Wgiffideat to big the Loom auamzt. I.rnatar UW aacqk any pYment or partial pg'wmt knfliclent to hug the Loan r 1 1 L W19nd waiver Uf any tights hceaumdar Or Pnft lax to its slgbts to Minas torch PAYS or pUd pgmu% in do l3tFUme, but ][,ender la not anblirmad 1q apply swh pgmcr& at to time arch paymt8 are m co*d If such Puivdle leis uad is applied as of its Wmduted doe data, rhea I.eytder shod not pay itrtmret ou vUVptiod Sw& I.ader mg? bald such murplied funds =9 Harrower maims pg+uaemt to bring *o Lean raamk If Bastbww doss nctato so wibia a reasomable period of fume, Xvidor shall a idw apply each Am& or velamn ilm W Borrow. If not applWd sarilor, such Smds will be applied to ft vurtsfmdtag pdoc!W balsoco under the Nato immefiat* prior to foroclosu m No pert or claim whleh Bornnm might Lana mw or in rho tepee ageinst I,ebder shell selfwa Botrower firm making pgmo* don vender the Nate and this Seca* laatmment or pmfi xmmg tha covencs we aroma* secxuvd by this Suety Imtsamaaod. Z Area of PgAM* pr Ptaceeda. Except as otherwise doeatibed in this Section 7 all pgmmfs etacquled and appltod by Y.mder shall be applied is tba lMewing ardor of priatity: (a) interest due umdK *0 I* ft (b) pies d due uudw tiro Note; (o) amounts ache tinder Seddon 3. Such payu orb shell be sppli d to eseb Pub& Pgmmu is the ader in winch it became duo. My remah ipg amounts shA be appiiod Scat aD late dUtgecs, ¦ oc d. to arty odur amoerts fits under this security Intt urneat, and dtm to mduce do p ftkil beimaoa of the Noce. If Linder seeeb - a payment from Som nm fur a dd qwo POtlod'ta Payment which includes a aaffiaieot mount to pgf eW late charge dug„ dye payment may be applied to fm dd'mgaamt pgyMc ut and the bb muse. iftacnn than am Pwhxga Payment is vubmadW, I.rvldermgy MW mW payment received $om Borrow to the nP4ymeot of the Pa &Alc Paym m ig and to to extent that, eacb payM%4 1105110975 ? ?t Lary A?{aua:ti Palo 4 of to form 3039 Vol OtI930PG4242 an be paid in M TO the eaI I Iset MV eotoasa Wdets d= Ora paymacd is appU m the full pgrmord of me or xwo PwioodW Pq?ma te, such meass mupr bo qX" to anp? fate uhnes due, Vahmtary psapaymmts"bo ap$ted. fnsttto uyprtMment awes and d. as draaibed tla the Nate. Any applicatifln of pgmcu , hm mm proceeds, or Afumlfamous Pwcoeds to principal doe uvular the ATafe shall sot mund, arposlpona due due date, or cbange do uaoamt, of** Paiodie Paymeats. & Tanis for itbts ew Ann& So mover shell p W to Lander on. Om dri PadAc Pggma is arc due uassW the Nato6 udR the Mote fs paid is fuA, a aunt (the "Pusds"? to provide br paymestt of ameonis duo for (a) twN end Spamnaft and Other item WbM caa attainpriaft ova this 9eaatty Tnsbu mad as a lira at eaotanbranc: on the Pxopat , (b) leanehdld p wzds or gmmd rams an the Prop*, U or. (o) po od ms per any acrd Uri 1 100 nqub ad by Laadar under SaWon 5: and (d) MortW Tnouroxe buitence If urooosdom wkb ft pwislons of 8ad'im 0 7how hems collerl Mmw TI®a" At trigtslion or at mW time daring the term of rise Lino; lAnder may require that Community Amwdadw D=6 Fan sad Ate, if say, be, escrowed by Barrmwfor, and such dues„ foes and asomn.o> b Buell be en. Escrow Item. Bonowar abdl pmmpOy f>mft to I astdor all notices of Damnts to be paid under dais Sodden. Bmsovm aluell pay Lander the NOD foe Escrow I== union leader waives Banoweez ab8gdiee? do pay dw Funds for say or till Escrow Teems. Leude r may wsivu Sonu es. OM%1dM b pay tri x? Funds A r aW or eel. Escrow Items at =W Haug Any such waiver may Orly be isvvith e& In,dw evW of Do* waives', Bwowar shall pay dhwdy, when and whexo prjwo, the emomts due for say Eva ow hunters $x vbkh pgment of Funds has boon. v h-vd by Lender sad, if Leader requires„ abO web. to Imdee no$pts vyAntt such payment wid& such time period as Lender may togWrs. BerrdtYef'a obiigrdieua to solo such payments and to pavida teoeh* A& for A ptrmaaes be doomed_ to be a cenim t sod sq{taroanaat eoubined in this Semft bsnu> mu4 es the pdtatue "covcnemt and a8teemaut° Is used in Svedm 9. If Borrower is obAptod to pay Escrow Itmms dive ft puz mm d to a waiver, and Bea+tuwer W o to m dw amount doe for an Escrow Item, Lsudca mqf exaaise its under• Seed on 9 rod ptpr such smomd and Bonoowr eball then be ob lg*d ruder Sadon 9 to, repay to Lender may m rh smouaL Lasdar tunny sevdw tbo views as to any at all Escrow IN= at may timer by a mtke givers m swoedanoe with gotot s 15 sad, woa such nvoc zbm Butrower dwell pay to Lender ail Feuds, sad in a* mown n, that arc dM taquirod under this Secdon 3. Leader aW, st any $mg wind add hold POP& in tm aman t (e) sulfid w permit Lama to e;* the Funds at the tme spoMed under BESPA, and (b) not to mood. tit4 maudocmm amazed a bender can regoho tender RMA. Lander " estimate dw ! I - , I of Funds due an do basis of curial data and RLYamtbio veedmaks of a gnadiluees of flttuue Escrow Items or otherwise is wootda= whit Apph=b1e Lave. Me Fends 60 be bdd in an inetitodo t whore drpo& sre %surod by a federal agency, baftwomohr>ity, cc sa ty (ioclodmg Loder, ifLmdcr is in h afitAios?wlm deposits are so insured) or iu any Pedant Hzno Lacs Bander L ender doll apply the Funds W poy rite Hsor t' hens no her than the tiros apeo6ed udder PJWA. Leader sW not cborges BcxmvJ Or for holding and epplyiag the Funds, annusHy rsusly the sxavw aceoapt, a vetifyi? the Eec[ow hams, miss 1 eor]er peoym gassawez inbete::t on the Funds and AppHa0v Lxw pemats Landar to malm such a dwp Union em t$re?rlt is made in vvrwq err Appfice c Y.aw regaira ilaramr lobs pold on the F udds, Letsdsr shad not be requited to pey Borna+tvdt' eqy interest or eamirtSs on tba fends. Borsww and Gander em agree in v+ dhW, bowrrvor, that iaterrat 1105110975 u?-?ytosott utis. 101 us Fouvn aoaa trot 8(1,93OPG4M eball be pod on to Lands Linda slot! She to Barrowar, vbhod dtarge, em atttmal accounft of the Pooch as segctirwd by RBSPA. If Ib ma is a surplus of Fm& bead in avow, es defined cadet RSSPA, Lender shall wwwt to Banowwr for fie eaaoess Amb is mcaadiow wldt RWA. Nthere b a shortage of Foods hold In eaww, ss 4d=dm dwRBSFA, Leader AA uxVy Baamwer as roq*ed by RB8PA, and Borrower dM pe4y to Lombr to ommt neoesmy m mlae up t3te dwttagf ht soootdsow with RiiSPA, but is no moss tbw 12 mom* pymeob. Utbwve is a de8cionq cf Fcaxb lWd is esum, ss defiowd under RWA, Leader shell oodll Beaouw as gwpdmd by ROWA. and Baaoww" pow to Lender the =Qmmt neomay to malts up Bte dwhi g oq Inaccerdoce vrif6t UWA, lot is no moat d=12 mooll iy paymerhts. t 4m pgmoat to U eat all taaoos coated by this Swmity Wmmod, Lakdor clash promptly iafimed to Bartow any Ptmds held by 14Wd v. 4. CN"q J+t K Baaower tdtall pay all tones, asseumvn% charges, 'EDUS, ad imptobiaes b to the Property vM* Can attain pdmity over" Scouily bmku cK I*Wttdd paymads or gmu da* anthe Ptapaf fy, iftoy. and qty Amodatkm Dom Peav, and Asseamient% W%W. Th thw eabmt dmtthcsot dams fro Nomow laws, oct om shell pay ben In do meaner p vvtded In Settler 3. Bon+arrar shad pratnptljr disahtap slay Ilea vdicb ho piodW over dib Soc ui ter Lttiu o meat tmhme Bonoww, (a) agteea in veft to titw payment ofthe obligrdioo se mid by the liar In a mmmer acwpW& to Lender, but Cnty so Ion as Domm r is peck such ogna=4 (b) o the lies in good by, or defrads ngaod w1bmamaot cf the Aft * legal poooodaegs which in tmclees qpbdm op;tats m pvwmt tbs f?bt+cameat of flea Iiema w1Wo those pe,ooeed'otgs fro pending, but cosy tmtfi surL p¢ooeexliags sea omclodnd; w (o) mom Sam to lankier of tho lien as a 5mema l satiaewemy to Leader m6codimdt the Bees to ft & am* Ioakumnimt. If Laodardat mdm OW atty pan of the PAperty is sd$oa to a Tun which cm s& ptelothy aver bb Somity losovmeal, Lander nsiv glvo 1loaoww a no>t o ideeutifyiog the Ilea. Wift 10 dop aft* dolts on which *mt atot w is g vom4 Borrower edteII stdiefs?tiha lift or take one or macro ofthe adoeos sat ft& above in ttds Soodan 4. I,esidetr may recluh Dom w to pay a one-#= d wge for a seal arcade tax v and/or s+epartieR savko vtadtyy Linder hi oetmacdiwrit with thin Lem. L >Ce+dwwW )o mom Boavm eball knp the WWovamaots crow mcofiztg or hereaflar iecoeed an the Pmperly bond aphs toss by foe, btnwds ietaha bd within the term "wcWWW ewwfraga," std say odtar h mr& bxbft but cant lbsditod i% mrfhghmlcm and floods, ft which Leader sagalr& iaauttaoe, Tbb ietsamoos tdmd be mined in to =Du* (btchubvg dodw? levels) and fiat flat pe cods that T tagt>isea. What I?drx xetgwu ptt:waot to the ptb A ft seateatea an dmp dining the tam of the Latm. 'hue b m=w cauder povi ft the iatmance sbd) ba eboaeae by Baarow+er subject to LeandWs right to c0sagtptova BoavwW& choice, whkh sight shall sot be moubed a ft, Loader any I oquisa Aataowvr to pity. in oormeotiao wlfh this Loan, etitber: (a) a oaeatme dWV fbr flood z= Jar nobbWou a cs sad Unici g atrvloes; ear (b) it *owtltne dwp ft florid zow ddomhmfian and owbTxx im :towhees cad subs goutt Cbargss arch time to qp W ur hdenitgr dxmW oe m which >auaoa* migiet aOx t such data wbadaa or oectiliadiaa. Burrow shall also be respouOlo for ft pgymene of aq foes ittxxmd by the Fadaal F.magao aq Management Agency in ooaaecdoa with the review of gape food woo ddomfinfien aa:sulting fv= sa obj=dm by Beervwtr. 1105110975 Pope 'of ter AC 01-O IQ Form M UPI OR-1 930PG4244. if Bonu%w fib to mahdam nay of the wvemges deaodW above, I eadcr slay obtain im umm CovMI$e, at Y.mdrs's opts and Boman 's exp=w. Lender is under w obTipdw to pvbwe any Pwdcdw tppe ar MOM* CAE WYMOL TbwdOM sash ooversP shall Cam L mdse, but might or might not pohct Butte Bam de cgdly Im thn PtopaW, or ** coma of the Property, apmfft any n* hazrad or HAft sash milt provide grater or la s covmp tm was p wlm* m cBa.. Batrovrer a dmdwleta fast the Cost of tits iopnmw oovm p so abtaimed mart aWdffc mtlq wwaad the cat of fineta? that Banawor cmdd hams ddwAd. Amy macs &d mead by Ltd wtdex *b Swfm 5 shah' booome addtdmel debt of Barrow secured by this Saaaity Indw mwL Thiess msotsds deli beta iamrest at the Nods tame Am the demo of d iftwmeut sad abaft be payable, with such interest qm notice from Leader to Honowwrogaea ft pmpweat. All unman PAdas wired by Lemdec and rmawals of sash PAW shall bo o4eot to Y.emdees tight to dbgp m anti pabdas, shall Wudo a stmadud mom arms sad shall come Lender as aadetgagse rtmd/ar as an adtTtluaal lobs payea. handier shall have the d& to bold tdc polkim and renewal oerti5rntes. if Laden BcnOM Shall prampdy pve to Fender all rnCeiptS of paid p mduma sad a mcwd undoes. If>Sorrvow obldms my fam of nmu=m wvwog% oat othotw m mquW by Ladder, far desamge t4 or desbrrctim c4 the Ptopecly, such policy shell hrolndn a standard mwr pp o1mm sad da>h pleas t-b- as morwgm aMdlor as to additions] I= Pays. ha the evai of boas. Borrowar daft Siva prompt notice to the iao>nm cw ha and Leader: Lt adQ mw and o proof of Ion if non made PmuPdy by Bmuwcr. Vigms Ieodtx mad Boam w adawbe agrrea is waft ow losamaaoe psomedn, w64w or not the anderb* mmmm was reguiaad by Larder, shall bo sgypliod to = aratkm or rr pair of the Property, if the mftwim or mpeir is coonondmW feaex'bte ant LCodu% SCa mity is not teen vm& During such tapair and rasuadm period, Lender 40 bw4 the right to bdld soO h mmumos mtil Leader has had sun wai[ bas ban am Icted to I,etWWa aeon, pavid44 drat such iaepeotm shall be i* promptly. Laaft asrpr dilbmt n Pooeoods far the repairs and rabodm In a do& primust ar in it aeries of psu?oas psty?saMls av the anal i, oamspdmed. Unless aei agr+aemoet is madC in writing ar Applicable Law n gdcea immaest to be pain an no&'imananos prooeeds, Leader"not be rapuhed to pay Bmmb m aqy, mtaesr ar eaNbW oa such pmoeeds. Fan for p *Ho au}lasN^ or adw tlrind pem&4 m med by Boaom tbsll not be pedd M ofthen immam pRomeds toad shall be the sole ditg im of ftrawQ. If the mmm&ma or repair is not mmmimlly Usibie or I.endar'a nm ty world be lesaaaad, thm iMmwm ptowds shall be applied to the sums samal by thin Smnity ktwomai% uteffia or not than duo„ with * rnroea?, if nay, pun to Bonaww. Such in? pmm* shall be applied is the aft provided :for in Sectian I Yf Batovm abandons tba Pi+ope W. Lender may ft n*odde and setae aqq avat7abie immuaare GW= tad rate/ed.matdoas. if Boffow plots not =pond within 30 dip to a rwilm from Lmtdar tl>et the ittaatam corder bas aMna 1 to Neale sr d" that Lemdar posy ngPofiams sad ad& the claim. Mm 304V pedal will begin wbm the notice is giver. in either eyed;, or if Leader aogtdres Go PwpwW ardor Sccd m 22 or ad r*19% Dost+nwer horoby asses to Leader (a) Dwev es tigtda to mw instn=m paooaeda is sa eeaotmt not to etaxed the ammmts inlaid rmdw 9th Nola Cr tlds Sow* Lnstr awA gad (b) any Sow of Bdnow es zwo (06W they the rlghi to any refund of wa=d prams'sums paid by Bmawa) mdw all imm mat poboiea Cavedeg On Property, book as such d&M are q0 aabte to to Coverage ofthe Pk*gC ty. X.ander May use tfre h>soranoo ptomab obw to nWk or zostme the Fh q=W or to pay aroaarts mpsid radar ft NOW or thta Seeiaity insteument, whether or not thou due. 1105110975 istl?n M , ??A(PAl tOfey Pop? N is Form $036 1101 OK1930P&424-5 & daoapasq. Bmowar dAU ooailry, estsbltsb, and use Im hW tty as laemawces pui ww ttesMmm wig bQ dup A w do mcecdioa of dds Soaw* Imlrs = d and shall aadmru to Ocealay the Properly as Bonowaft ptbk*d nxldmw for at least orgy year after the date of oaC y, untase Candor dhawim gpen in wrISM which cotreent dhdf not be wateas wht td4 or unless ar*mu tcg ddcaq s m which wx bayaedBarmwees coulroL 7. IFIM sand PialsttSw oft" rrnpMt,R fagr0disutas. Bonowar shelf not dostW, damp or kW* ft P,nperty. allow llae Pmpaty to dsolasts or cosa d waste an tba Pmpaly. Wbetbet of not Baeowor is raalftg W the Pauapeaty, Runwer *IH maim *0 Pmparty to gift to pmweaa *a leropaq room detect nft or den oft in vahua 60 to its ocodl" UnIm it is deism&W pr mmd b Section S dust repair or resboraftas is not p?onamically fa I)k ftMWurr shall prampo r* & do Pmparty if damaged to avoid furdw deoe talon or demsga. If Ia OOM or 000deolvation I I F F a 4 are ptdd in adamection wM ftup t% or the tatdng of *a ft*u(y. Boamwar dmll be rmpomible fior tepauiog err 1?qg fhe pmpmty only if I.eaxhaa' lino r+etCated ptaoaede for such pap em Loft ow dbbwam pctooeeds for the reports sad reewram in a single payment or m a of PWOM PqMMft as 1be wodr is oaawplatad. If tba hnutuce or condom don paeoeed9 aro wt viffmi t m apdr or rto!orA 1be boparty, gomma is rat rallemd of Barrowua'a obligation for the completion of sutdtubpaicor Laodw or its a pa aw wskee reasouebhe action upon and hipect m of tba Pcvp". If it has narsmiabula caam% Lander mW irsped ft h tumor of the maproY umats ft the property. Lander shall give BocnrWrr sadoa et tLe time of a pttior m 9acb as inoadOr Invaef m specifying such ressambho anus Z Berwrals Logs AffNmdam. Borrower daII be to dch* if "M the tma appllcaiien proc=4 Howoaer or =W pow= or twtld aoft at the dhaetioa of Borrower or with Bmtowm's kwwb dge or r, w, nt Sm a vaddlayy Ms% mtslae ft or inmoaurta3e i houttca or mmem to Lander (a fdhad to panvido La Ww w0h materul mfarmaba* in comaacdon w9k ft L.otm. W dcdd reprosamvims b wbtde, but are fact limited to, nPresent9lons concernfng BoaowWs occupancy of the Propody as Bosowort pmt iaaidaoom t!. Peotadiaat sd IIwmu kes l6Aorat Is do Paepsrrty a" RWb UOW ts:Is Ostarlly Isalrstseat. If (a) Bwawerfdhsto bovenaatts rind eg?;' merma eaoteiaod intids Seaaei(y lb tr (b) thus err s lagetl psn0aeding tlres mtghs aig?oiii ebender's ,tataet it ft Prapaty aa8/or T%* Under ibis Soer>ogr bat want (uq1* es a ptooee ft in brakrccptcy, pmbata, for condemmooa or farf ba% far aafmoemaod of as Tm wlmdc mW attain pdod(y ova d& Sam* Iaatrtgaead or io art5, ]sow or rtegelatioaa), or (o) Bum= hue abandoned the . a Leads may do nod pay for wbumar is = or appropriate to prefect LtrtdWs ? rhethe Property and rights under thee $a?ty paotoalnag ssd/or easCW ft the vdu0 of the Properly, grad eoc1riirtg andror ispolbba do property. Y.emds tcdems can iuaUldo, bid am not himiGod to: (a) Prying any sang ramrod by a Ilan vM& has prkdW OW Atle &m ft lu*u 4 (b). apparing in coui% and (c) pay'atg mm ebb dto=ge lean to preact its k0me d is dw Pmparty and/or dsW radar ibis Sac uz* baefnw- igduttGag its eacaaad podtins m s bmali q*W pcgowftg: Su? w" ilia Property mcludas, but is not l?attod to, use day Rop" W mdta repaiaa, chaqp Iaaita, replace or band up doom oral wladOw3„ drain weer fioru pipe% dime bmbbg or oilier axle violations or dyuagaraua coadidon% sad have utWft untaed an err alE Aldrot*LavW amps Ww racoon War ibis Secdmr 9, 7.aeder does not have to do so.and Is not rmdat soy doW or obrllgr w to do sm h is agtmed *d Y.coder mama no Habllily far id iairnag atq or all swim ardiodmsd under 96 Sadon. 9 1105110975 A tavw: .1 WAlfN(Ou) A.a. o of to Form 7039 1101 BK.l930PG424E, Any s mounts didttned by Lender valor 06 Section 9 shall booome wWAaml debt of Bone= aectaod by Ibis Satuttily iAtuna lt•. 7bw am= " bee; iatataat at free Note redo fmm the dale of disbuniot and abail bo pdyabie, %% such interest; upon MW $um Lmder to BODUWW ccquestalg POWMICUL Socially b»acieot iB (M a We6atd, Baavwer s&U comply whh all the proWsioue of the lease. if Haag aogtdpos *a We to to lioposly, rho 1oasahold and the foe t ft shalt not merge udw I?andsto4aematgprinvadbog. 19 L1?al?uea )ff Lvatddus mind Nbitaga hwxow as a ca mMon of t nU* we Loea, aortowar dnfl nary the raquirod to maittbafa. Boo Mortgt?ge Iavtnaooe is o?oCt. If, for aapt rasoR dwMiwftwbww= ppwat p-requieed by leader cameo to be avsiWde tram lira mortgage imtaar barn Pmipcandded sutra iaaman00 and Famwer was required to u+0ov sepata* deaipatad pttymems toward do pr wbns for Mod" banns, Baa um dell pay do P? tequhed 1b obtasn coveaa®e w egtmralmt to to Mogop bwx*nw pwAoudy In OW4 A a coat aubstaatitdly aqudivaleat to d1a coat In Homm r of the Mb* W bt arso c peavloasly in effect;, from an alts nett: sn09?9gs insw soleded by T=Wm If 0 It apWaleut MoalgO ban= cove apo is pot svs(iWt1a, Baaow doll amtlmae to pay to Leader an amount of the won* dcdpdod payma w riser were des vft n ft bwaima a naago o=W td be hL elk Lender wM accgk ass and retain these pa??maanr a8 a =mm§mddla lose reserve in ]ieu of Marto bsur smev Such leer resave " be tba fad that the Loan b ultimtdely paid in Sill, and Lander "U not be lmder reqWtea =a you mta it Mario >i mxmse oavmp (in *a amount and for *a pmW did loss p Wiled W an Maur , sok oW by Lender agdt boDamo tm*94% is dboak4 cad Lends rogtdtos inpawas as a oaodil M of waft ft L mn and Bony we to malce sopK _ to ymcfam tA~ Iasi min dPA of to pwvlde a nm-Tdmdablacllow xe6em i 8A. n mgtumonst AriVlortg a baenoe an& in noeardaaoe wilt arty wilt w between Baa+owm and l?eWer pravI ft f?tar such townsidw or we t ambudon. is :equitnd by= Law. Noti tlg is tilt. SCC" 1t) af?otas Honawoft obli iAm to pay iaim%* at *a rata psorided Into Note. Mamie Lmtuaaoe reimbunn Lendw (or aas? any thtt ptacbaaa die Nate) for =tw loom a low i aaa< i! B... does trot repay the Luen m agnoed. BMUM ' is Wt it party to tie Mortgage In naam Mortgage ist was malmla their total risk =all o* ba nave in fcuee f om time to tl=p and may COW iulo 1610eIONOW with OlbW parties dUt AM of modify Heart ft OrMdnoe losses. TWO agtota a* (tea en tamer cad caaddlan9 trail am sashfictwy to the mmtM inver and the a dwr pony (or putim) to Baaoo ,7 stww afa may sogahe rho motes iaeatroc to n eke, wwg auy adutoo ?dnt??mor%W iasnt? art;yr larva avafilebla (whtc6 may utahade s obbl ood fis m Moopp An al na k cftbose Landes, a4Y ptroCboaa of the Note, another hw=, wW ro3aat m, nay od rr en ft. cr.sW pity of the ftgpb& may mx ve (dh Wy or iadirwgV) amounts that drove Am (at tW& be dhachavid a9) a pwtiam of Botwwces prjmwts for Mttttpp bsm=ce, m foe char ng or moffjmg the moth iasWws sik or taduciog Insect. If such agtearatast ptWidaa d- m -% iete of Leader Wma a shar9 ad the dmsuala dek is e?orI S 1 for a alaQo of the premiums paid to ffaa: , tba snseament is often teraaed "captive radasaaaoe." Flutter. llkw Aw i.?epoasadt wv am allot *4 w¦wods that DUN"." has sgmd to pyy *w Aat<NMIa! wo r?Moslpp )(aOUSUIR, a" off WN tiORW ?iW Aorrpvae to l& run4tut 1105110975 ? 4NPA)(oaor) Iwo 4 of 18 , Form 3039 U01 BKI930PGk247 00 AmFM& yIMPteb wt` tat ai" IMe e3?ttaa He3fa11a1' lua . ff MW - with 3mapaet to titm '-s-3p >Eaaasumn mdw tdia Hm?aw P.? R.. "sf IM or aaq Odom kw. Ibm rob aaw ?aaada ft tdl* to 3omdr 1 mbk Modarmay to wand as ebbk eaaaelta6arr of du Iaslae?aay to un dw ]faa,lrsnm lau8ewaaa t88s bin" mama**, =Ww to 3soeite a Ow worq ip Iwmu pm ebw *0 were wommed at At thus of aatb mucew*m or 1L A ftummt at baud a>•a0r1 Pro00 &, Varfiftom All N$mcH==w Psoomb ere heooby mdvW in and" be pdd to Linder. [f An Fk*PW 14 ds aaged, -" 11 LUORaneatas Pe mm& shall be apphW to r of repair of or repair is emnatuicOy feas?b1o and Under% ao wW is not lsae?ed. the , K ihi Dsna?igtair wad eelmoeatan I.atder aban have the d- w-k m hold each M3oellamou8 Ptuomb 10 such Auperp? to maoio ibo worlc>tea bum coarpleted m Una I.mdae biro W ??t podim Matt be rtodmrtaloaaa patNmpty. r.?nder May iwy for the eaaa8dicn?, trdt ina mph add in it A*a dbbuw mad ar la a sales of ptorm pgmaota as the wade is o mpb tL UnIm an a mummet is mWe is vd ft or Appl ook Law iegaetes inuaet to be pdd on aarch MsoeOmeooa Pmomeda. Linder abdl not be to pay Bommw a w l ua ted ar eamomp am aoaeh ? Anmede. Ifdta?oomadYm orrrequired mot o0mo>alcally faastbla ar I.eddtt'e tweautty would be kssemd, the MbcdWo mz3 Pcoooods e?hall be apOlod to tie amns secumd by 96 Samity budrmmt, whdbor a coot then daaa, wiW the eaaoeai, if any, paid to Bonw". Such MismeUsom Pmeaods d M be applied Inds ardor p welded tr in. Swim 2. in the a:ommt of a tail talb, deataitcdm or Ices is vnbm at the Property, tte A iwdlanaous Pncoo s ahdl be Mp bd W So mms setcea+ed by t Is Secu tl+ kwft mot, vdwd r or not than derv, wbh 1f14 ara004lr f(aw, pad to BoaQM. In to UVOM of apediddwouadca, or Ion in value of tdw Pzapa y to wbioh the tier m vW VON of Ow Ptopee(y ?brQaediatdy et?e to pertdd tacking, deshucalOm, aor loss is value is apml to ot_ .. S mairr em At smotmt of tre am amid by this tlmeaorlty Insmmeat immod>d* b the pmrIW talft dompoden. or I= in vaham. -lass Borrower W Lmdar adwro doe Wes in wrdit: the seams moved by -96 S waft boWumaat abald be taduo A by do em*M of fhe Mts amwom< homik USA b!? the bollofg $ ifoa.(a) the total mum* a1f the stmts scouted b' m Mddy befKc tine deubvetiuoa, or lams m value dMded by (b) dw lair medoat value: of Paopvrtp fed trite ltardat talrmp. doiftdion, or toes in value Any balm="be paid to BommK. In dw went of a pallid taw- desumdo% or loos in valor arf ft pcopaty in which tho Sir n miemt "dw Of the -me; m1 w, bmtmadiaeaty bcdbm ft peaflat tuft deatrudioo„ or toes in value is law tm the amm d of ft so= mx=td botioNdOV badare the: penal hft desmm duo„ or Im in value„ udow Bm wor and Landor otiwAn ague: is wrWx& go ? Pmcwh 7jb611 be applied to to 91ID78 mcmod by f MMW wbc w or 10 tte sums an than due. V do PzgwW. is aboadmod by Bammar, or ifj atlrr notion by Lender to Boaowerr that ft oppodag Pat(y (as de?taed io So amt aaa mm) Offim to malae an mod to settle a claim for ataaaagasl, Iidz;ww, fins to mtpamd tD Iaedet Within 30 doyen aRer to data the a0dw is given, Ltstder is eviboo>7Dd to oallect and up* to bffw@ imooos Ptaoeeds QMW to ludaratiem or IV* of tdw Property an to the anma mcmad by Us Soc a ft hohmonA tlitl vdw or netihm due. "Oppoatgg PatV mmeL1 the ddrd patter drat arm Hari+dwmr Wmadmumal Ptaoeed9 or the party ephW %t m Borrower has a dgbt of %do& m r 0 4 to pdncdi>areom hA c eed3. ftnOwmr sled be in ddault if aagr aWon or pmotedIV. vbcdw civil or aiminal, is begun that, m Le ads% jadSmaaF, could zauit in SOtGlbitnto of th0 Property at ?Othet,, ?mataYial ?paitmtc:it of Leadaa'e i:me t im? ft Ptopwiy ar t? and r this Saco ity ln*uwpat Bo?a can comb smt a "idt aid, if awdaa'atdnn I= accwnt , rho as provided in Sod= 19, by causing tiro ution or pmc ca ft tD be 1105110975 AK_- 4lA(PAIPM) Pip. 10 of 1s Fahta 3038 1101 BK`[930PG4248 dismlowl with a ruling that, in Le AWs JIKI=mt, precludes ti nfift oa of the Ptopeety or other mot mw mtp?ppet -VT , a bo mt in rho Property or dgbts under this SccwiW Iltstgmmm t Tbo ppooeeda of ow envaad ar dsim ht damaaM tlert = atlrlbu*%e to ka imps of header's iaiasst is Pmpwty are hereby aealgved amd ab& bo paid to Lauder: All Pioooods beet w o not ,yppliea to restara* n c r ER& of the Propcsty dacII to appliedlathe atdarded i<be is> 2 . 1% larr~ Malmo d; litosbeassm Xy XmWkr Not a Wakee. Bxkmm of the time six pq bunt or n wd&x ram of umdnttan oftha s eowwd 1o1, ibis IgPAity Intdrvatestt 8rowd by Lr?der to Bonnwar or =W &wommr in Int cd of Bmower e1mi1 not operate to release the NAW of Bmtwm or any saws m [a T of Donowm: Lender sbfdl not ba roquiQOd t0 Cart mod Iaoooodioga 184194 my Seocasao , is Inkmot of Bacowar or ID mf m to Wad brae fm p for afbm %iw mod* aseattiatdam oftho smw awxW by tbb Samdity Iaetnmtea by reason of say made by the wWo d Baytown cr mW Suooeeaors in bkrod of Baaecwor. Anyy.Anbmenoa by Lender in m mb tog zw right or ,=y bwk&z wllhort IimiNkm LendWs aeoeptamoe of pq n mbs born shad pmimm, eeAOm or Sum== in hsmwt of Bmaowar at in omwuass loss than Ow awtlount *m due, shall not be it Vvaim of or Veda & the mmai m of aqy sf # or ram*. I& Joist md summon l IiahYib, Odd Wih Baomom and Am %o Noma. i wmw covcomis and agteea that Bntowds abligadans sad NabvhY ebmu ? ? and aevami. llawevee; airy Boreowar wbu o 4vw this Sm dly htstr moms be does not oowccae the mw (a : (a) is co-swung this Seem* Imsbumm t arty to ma**c, gnmt and coer w the co.sigiwes n*rod is the Pmpmy under the an moved by ? tip Secanity te honown rms of this Saamrty bswomm? Y (b) i not pmom Uy obligated to pay the mm India OW d (aaooaup wish regard to fbo?tams af03 8oouttty I=bumtdt or theNobk vvitbottt the Mod to to pmbiams of Sudan is, aipgr_ 8uvoessa iq Intorm of Bogpwcr Am asownes Banowaft under drier Sexamity Instatnneat IA Witi>ag. sad is epptowd by Lewder, shall obtal a all of Boeeoads wWw this Swift tstaan+mt. Baaower abaft tux be relemcd fiam !and bamstits Baergwetie obi and Y under this Sonority hwUmot undoes Lender app io arch release in web* Un ewwwo ad sgw mcnb of this Soccdity Inahammn doU Died (=c* as peovlde d in Sow M) an d booft 6o mooomm mud asku ofUm* 14. Laam Ci-Emw Luo$er nw Ttoaowa flees for sorAm pari'a-,med In cannawan with BOOM &$ eiefitdt, ft to puspasa of ? Lmdefs lug in the Property add rt*b uadrr this Sam* . .bat nut oar a mv# trees„ FwalY nand istod on fans. In rageied to aq? G&W teat, the Abemcoa of eaepsass amhmifs? in this floottdgr Ip1?Jlpemt to charge a aped& lee io Nonow shall at be wmsdttsd as a psolmWoe on rho cbn*s of each i'oe. Lender wq wt cWp firs ihet ao aspeea% by this Sonny rnsbument or by Appdimtb Lew. if 60 Loan ll to s law which ads ma?am Loan end that raw is fmaliy imtaagetod so that the ial I or obw Iaew rhmees callmad err to bo cdodod m ameadion Volk tba Loan awned the xnnkbd dmp W opp ihm a) amy =* bm chup s mW saw sf?y be redmd pAmd from 8Bmom w mo wd to ed V, ki cd limp will be rafmdod to Baae+oW. Lander may ebooce to madam Ais xchm4 ty reducing the principal awed tmda tba Note CC by Md=g a dheot paymwt m Ban"= If a refund rodmw prm"44 tho reduetm Vogt be waled as a pwat peapaymant wart aqy peepaymeat ?C (wlor mat a pa?epegrena 1 ? is psavidod Tor dadvr Ara Nome). Bot mats acceponoe of my swk rafmd me& by area yed=mt to nomovw writ owAfttfa a wkhw of ow right of motion Bomawer might bm mining am IL Ndlees. All noRdow *mn by Bamn= or Lender im cafn>t+ t Volk taps $wmrity Immanent tumt to in wd6& A.dy notice t D Bm*wer in commoodw with tbis Sem&y Imtnmmeul stall be doomed to 11OS110975 A WNW "74WNrosCf r.Q. 119110 Fom an vat 8K-1930PG424'9 Lane beat gim tD Bottum wfm =piled by fast dens mall at Am acgralfy dah"md lb Boma efs notion eddatp Vow by cam mceoe. Nodoe v wy one Bommw don coasllt * notice to so Bmwwas vukas A13131liAb Uw etgprgsly o6wwwa The twtioe addrom shall be the Prop" Addw US= Bo uww hss dcdgnded a s? node sddreea by nW= to Xa dw Bomma slw nobCy Ieader ofeosrowea's d=ge of sddnw. WI eader apwffiw a ptocedwe ft roponiag Both cbwp of adkem rhea Bawower don odIy repast a of address t6ra* that apeoMed ptnoe4m 7bets mW bo air aao dwillpoted notice add=s under SeazW bot mwd at my ow time. AzW notice in 1(,esder d dl be gw= by ddivming it or by mauling tt by first dAu mail to Lmda'e address shod ha= udms Lendar has daamaced another address by nDdCO to 13ono ar Any =Am m OMMOon WiQt this S=ft faMusnmrt Wwi not be deeaaod to loam bow JIMM to Lander MM WWdb, ucosiwad bI?1Ams? K wW no im reapttd by this Saoudty Y aucim is also mgrured umda App9cabb IAW toquiiema9 WM salisry the ooneapamdtag mqultntnara tauter ft $ ny lqdnmmz[L IL C."Noft 14M VvwAd bIfte the lair Ibo h" of Cadm? This Sam* rasthoawt ehau be )wIs"w in wbich the Ptopwty is batod. All EWN and obliBttioars ooe?tsWed ia? ihta _ I "Ramat are sd-d to any rtiq*=xnis and of law: AppllopLle Law or I nowy slow do parties to w" by outw ar it Am a eaika% but tpw3? tt?eax rat fie o u. mh ea ea a pcob Ridw ?3trst agmemans by ao?ra in to ava t that aqr proai0inn or cla of Na Secadty Inshvrment or i Note vo Octs wl& Appiimblo Lsw, such oaoSlvt tdraIl not IMWX odw ptuddow of this SecudW Iwftc= at of the Note which can be guvten slI'ets wifbont dw coun"MM ptovtaton. As Md in this Boca ly LMhtm ast (a) wards of the masmilks gander shall mean and fr>chide conaspassliug nouter wards or wards of the faminine gpxleor; (b) words h the singular shall moan and Indole So VW and vivo veng sod (c) dw wmd "may" eves sole Ascteuon WNW= any obliation to i7. ?osrv=% 0*76 Baaowm " be gloss am aopy afthe Note wA of Ws Security koftuMMOL IL qtr of Qw PsvWOj oars > =dldal Ittsstrost IsB*m war. As used in this Socdm 18, in ew Pi?oppRy" mwos soar h*d or bwAdd iartwest in *o Property, kd dhm but not Umite d to, those baaefiossl iahose9ra tr+ad bin d k a bard for deed, contract !hr deed, itsstWhwx t sales coubw or cw w 404O WK the intent of which is the t ms&r cf d8a by BumovAr st a fuhav date to a purobsser. Ifall army pert oflbo Propafy at mW Twavst iafha Is sold or trmdox sd (or ifBommw b oat a mdms pease acrd a baeeticis idaeat in Bornowa?or owns= d) without Landes': prior wdlkn oaoatok >arrder any raltdaa %--Mats payment in frill of an spina secarod by this SeMMay lntlenraem >Elo mw. tins q*w :ball not be mum;iaas by Leodcr if sw h mm u Ss poobith d by If Under wwdmw rids q*oa4 Laodw abaft give Bmwwar nottcq of aocelnsdon. YLo notirx drall penwide it of nat loci On 30 days from the date the nodes is givem im avoordeoce vvA Section 15 vdwn Boaowar mot pay sl mm wcmvd by this Security 7odnm=L if Borrower falls to pgy dross a PSW m dw cq&Woa of this patios. Leader may bwWm nW :wades Dammed by thle t3eegti4r I:reh®eatwI&M &Ow naft or desumd on Bonower. IL laerowre'a W& fs MdUlAft AAee Aecdwa iar. If Bowww mode certain couNoas. Bomowar d a Lave ft lud ID have art6otvemmt of this sacodty Imtruooaot ditvo M&Wd at any tFpto pdw m stn osdiat oe, (a) fftds,ya boiiare We of the Pivperty pmt to any dower of We conisimd is d* Smd* boma? (b) std edla padod as Appl uMe Law aWt apecsfy Aw d w ftvdusgcn of BOumv S's 4* to z9holift or (o) a by of a judgment esubft this Swu&y hwhnmteat, Tbose r I Advom we that Bpaowa: (a) pop Lerida dl sums vAdch that would be dud tmdw this security In4st+rneed and the Nast w U so scvekndian bed owned; (b) cum any de mil of wW ether cow or 1105110975 ?IYMMFI'r"Y? 4"!,A)PMJ ry.Ixorle Farm 7030 4101 OK t. 9*3 0 PG 4 2:5.0 *; (o) VW mR iuc umcd in w9bim6't SAY tgnzmw4 tnc a ft but nnm limited to a ys' flees, ivocdm and veluadaa f@M and add secs mermen fix ft putposa a[peoiced gd maders Jo ffie PfOP* +md 1*0 Veft Ode Seem* I *%mueat and (d) doer st*th aalke as Leader xW Deftly mq*o to assm that Lender's tnfare~ft in the P4 "d)r ad deft mdw fhis Saaaity kwmw ^ and Bottvwm's obHgstlm to pay tht sums semod by this Seoctrihr bogs mL shalt ca-a&= ta*mged. I?atlder myy l"dw that Boaow& sash zcln a gams and ewpeeaee ioa sae ar mm of the fallawtriag ftUn, as selected by Iandaa:7a) eeah; (6) mousy claw; (c) =& ed &mk bank shack umum'o chain a oashiee's Cho* pwvided any such check is *m apm in ka"m Whose dopoam M* ianaod by a Bedard %eaoy, imtnmnaw li or sunny; or (d) E$wwtk Fends Mwebc Upm I I I . W, o War; WIN Sa mdW Inefivme d and oU401ms secured bateby " rank S* tI M r a, v as if so aocuumdok had oomned. F1b wa, tt>fs right to minante shall pct OF*issoamofamdoxamu erSWAMI& SGia INEX N ChIMM GtLMW 8e vkw. N a tfta G[Gtfnxem The Muse or a partial W mat in . 60 11110 ( hashtm mQ m be sold one (r mm times without prior nptiet to dttmge in &a caft (kaova as foe Loan Semkce) the w g,* l'eriad{c P*mxu s due under fho Note and Us Smudty 7ashtmtaot and pet6atms other mortgage Coen 0- I, ooa ar mar to LOK Sa im t*d to 9, =Is of dw *to. If is dburp of am be BwAoc4 Bcat<vwer wain be tip vtr3temt matim of the damp vmch vm stele the rams and *am of ft um Lam SwAcw, the address to which p ywatus should be mode tad aq other ifotmasion RESPA was im eamnectim whh a notion of to Ar of sarvic* wg. If the Note is sold sad t4 x ttw h aft is serviced by a Loan Smvkw other then the pmdmsar of the Nate, the nta*p Mau se Wang dffW mx to Boamm VM semem vrbh the Loan Setvioer or be ttansfa&W to a Recc t w IAM SWACar end sn nm 21 Im mnd tba pm eery athawiso provlded by the Note may commence, jai% or be 1?judtcid action (as dtber an ?vAw or 60 member of across) that arlaes i'rom the AV panty's anions ptasusm to ihla Se= hWf4ment or that Sll" that 60 ofbw panty hen bsearhW any p vvlalam at; ea my dater owed by Massa ofy this Semniw b*um % tmtd mch Ba= wtr or Tan Itas ratified ffie other gutty (with aueh wdoe BWM in Games vrlth the mgt UDINOfs of Section I5) of such afted brow t and 4otded the Aw•pm* heave a: taGwmbls period aft the giving of so* mdoe to !else aotm " action, If Applicable Iatw pavides 8 taute period which must ebpev bathers aalein wMan mu, be tales, that time period viM be issued to be teatoeucbhe for pt Vww of this pugpq . no wticw of aacelendm and apPa 9 to cm Sim m Baatswer pFtrs and to Swttcn 22 and tlta notice of ecodaadion VVM to Aaao m ptaat¦m lb Seeded 18 dmH be deemed to ssdsfy the notice and appotamtty to talus connotive action p nviadons offhis Sectignl2t) A Hsrastiatrr MtbsEuess. As Und in this Section 21: (a) %kmcdous Sabsfrmea" ate those spbsfa>soao defmod a>s UDsdo err hamdm WASWROM pPQ9Waub6 or wages by tF*nwmwW Law and the fnSovAg mbe?oe? t oliraa, Imo=4 other Asmmebk or lode p*dc m prolong, tnndc pos rift end valadb whw* baalc&b wag asbe#w or h maldebyft and nudioa om m oodats; %' ?'' hmft ? mom hidwal km and lava of the JwWWm whore the Ptopat:y is tocatiea that hx ; (o) "Bnvaaao>et W Clem includes my tmVam settee, rat W&d action, or mtawd wffan, as dMwd in BwAmmmM Law; and (d) an -En*.MW " mesas a com5tian that am cm cooldbtme to, or 96etwtse tWw an l nvkummenlat 1105110975 p? AG w? ?o "aWA MMQ pit* 13OFis Form 3M 1101 BU93-OPG4-25.1 Boaawar abali not cam or permit ads 113% or mlase of my, IhzKdow Law. } wrioh+aames au0l??oq ar (c) w duo Y asc p msmm ; oee. or rows of s ara? s fit' to adveizo;fjm vplpe of The too eeotemcea don not ?y lb *0 use, or xbmp an die of.madl Eksmdova Stork m dtaf ao v= li b be app?da0e to? ex and to at{ihe PnoptaW d to, bpfardaae s?bat.moaa In o?aer prpdugp? . Bummer abet prampdy Stye I.eoder wdom nottoe of (&) MW futvlolW aldm, demand. Lwsatt or adwr actioa by day $otsmm MW at xa?alabory ar qty * and my Hmadotq toe ar Bav&amoeatel Law o7 w ck ?a Isas acq (bb) any 1?vira®mdl Camditfca?, ipdudaig bat notlimitod boy,?ty ?? lealor? discharge. taleaas of daapt of adeae d id assdaaea and (a) pay coacBipra wavid by the pcsemoe, rise or Wiest of L Heztsdmurt vrWoh ?dv?e[e r u?s?is fe m6w of the Pivproe(y. If B Mwer teems, or is AMU qp--xz -11y , - aw Onto PsnY w?Y tas we of erica ranmdiwdaa an Y ?aaM??Y __ rusl?sm famaw deuced in accordr lmar iw' Bavmo l JAW, olldng b acinhatl y a abaII Croft y oblippQ on Lcadprdbr s?nBnvliratio?aaYl Qesaap. I C&Ufmu M QOVBNANt'8. BonawoC and Leader fm.1 aor4nad and A 89 fallowa: Zi. AeaNwalloap >gfpaedten, ijMisr stia¦ rba aeNea bo Bafs?ooetp?Y to aesslersMeit lsifalrbag Darsuvee'? Yeast d roq asr+¦pad.ea ppwpsrt Y firY 8ewf1? Yats?ar await (iat soot oo pew b Boumbooft sYrA'arl,MW alibseftila?t 0) 110 adllsa? to em dw dlldb 3e ist)laie f swsei; card (? dt fidlpfe to con d a"= as aaeslsedYft dfile aaeserit MY oh ea?lsd 1aep?nred? doteaYssaw 6y?! ?'?e bs Mod =W4# ttia . Iraallar plY, Yftarat Ha*ower efdo?? Ic aaYst a and a cow in ft fiwasiappfp an fwredsilaa?a oi• r darsdt ae? tt?q Owlr a?sinw d to aaadsralisr< and Lrleslsparw tlwa dairalt 4 tact armM M spadasti, app pt >i ii?dl Is it oil K ?i 1 rsessad 1i?r 19emw* Ldrosesat aaay ? tW Lsh?aK ? 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Y of as debt seeffint a? 37?. ?Ifepst Bob AfYr Jsp pN . $ol nb psyebte at6er a)udpma is ito a ga n" or Y as action ce mactg?o fbroaiea re dmill be 16 reds **[a f m bw to ftw 1105110975 41-Maw 4ft4IA(PA)fMz) r.r.,sQIf Form Has 1101 IK t93DPG 4252 BY SIB BELOW, Wgrower aocepb Pad Wm to the to= and ommah eoumbed in this Sea dV ladnwift mad in aw Ridar awculad by Bomma and nomded with k .. tom) -Aolrowar -Botteaor -(6w) -banowar Kevin A Cooper .a rc Bomnwar (sad) •Bomwar (W •Bonower (3es1) •Borrowar 1105110975 4ft4WA)(" Pap tsau Fong Mo 1101 991 1 g30-PG4 25.3 CONINKRIMALTH QW PI 11 IYLVAMA, C4.1 4.,,.\014 cmiyni OnWukde 23rd dayof September, 2005 undaftnadaffim,pae onWRyappeand Kevin A Cooper WOW me, the known to tee (or udMwki* prove) to bo the pea KMO) whose name(s) Wam wbsr ted to do widen inst?umeni and wAxoar3ed W that belsboftey mecMd the sauna ft the proposes boron cauWaad, IN WITNBSB WFAMBOF, I he w4D sd my band uWffiu al 6taL MyCOnMu "HxFh : r 'r at b. IWO of Offkar Matte: Ceetldeda ofRcdfiMoo Y. Co Kif4k' Se ar' , do hemeby try tbd the oanrt;t WWt ergo v n=Od Mwpgec Is P.O. Banc 2M punt, M[ 485012026. w-dn= MY bmtd rhea 23rd 120+110975 C'IMPw)t9t day of September, 2005 f Ag.at o[Mertgagee AC Pp? 1. of t. Fam 30311 itat K-1-93044-2-151-4 IBE 'AYFAW-BHkOt Al1I 'brio hVwM atRtdab mach dda 23rd day of Sepia ,, 2WS aad b inea?porded wide to r de$mtw fo the 9eaulg? tmntmwd wd bcarod tt wvwflmsBMWRaiS.Cm r ma 11135Cb biamd (*AVRVKO- AOditlobtl?etuwla NotoriRodm? atty1h3a6to the Gcuuery eotforpt fatbaNota ar l;gvritylwuumwt, HmnwacaodLtoldrr$aWormvemtaadagae -SAM& Bom merhem 1bATwto=Ab pomaob ofp:iooipal Stow time baton tLry ate due. Apeymmt afprlaoipal only is - b a'pWrymmt• A bil pmpeymm r is be p my=W of Ow aatbo w dd p&cipat due updtr &aNo*.Apaymmt ofu*patofdo uqeddp latipal bbewu as a'pattlalpvgw4mmV Mftho dw&Vttbmtloa- N I a(pbdpiataydmebttam igtpdtu 71opymeatb pbelrWt?ltblwsaraeprpagmaad'! VPbOetYlW.+aNoltR.slapellMt.?Vi1P?441M11oa 3YrlberitMr11Yr1i.tfAYol?+?.iala?w.l?wiliYlbatlntA 161IoNapNa drte a(bel+lota aiftbg l?rLee6amwit>diPomarnaaIlebpnpgmataeparflal ?7/9YiwIHatM?ew1'a dmpegf9*mNmbNdlwsj rpgreamtdraaRtlLpapq>.erteiupaslQbaalalbftroaeM ?ameablataRartliaaret at?Tt l+OtftMatfbM MAWloom oboe Oman* Perm dwft Imt" 04mmesptawroodbColeWaataaypayp"aagete o&ft" P"W(WA)mf** ed#%AVdm*da mmWotdWibb NopvemaatpmdtywWbaaracaadfornyw% ymwitaadoa&w0*a m60mmmeoftheAorammt. By 319ft below. Bane m wccpb ad agrom to the %= and Bova mb oan flood In 9* Phpwmm i hider. . - (W )tftACaqw C-otd) "2MIW"rltm8Vglt""JL"(toe1D P4.1 er "Monjo IK423.OP'G425.5 (S,4 (SW) Lo"Nimbac 1101110M :"! ifs • n11^ zmgzu.i 2ifieL I!'i`Y011 ma ? emomm treat or paroal of land located ia4 Monroe Ramw*dpr ?,IYr ---ylr?mial b6luded aaJA amore partiaasfLatrly deoa?cibed? in the rigbal. Mdinor Bnbdivision 9la* i'or Tbmas Soatt aAaod moves a. wabor and av of od R. Diebl and Gsnevi ft A. Dighl, pzopaved by Steven 12. 7isber, wssign" Land # r r dated Oatrabor 20, 1995, revised Yovmdar 20, 1995, and reoomdaa on December 6, 1905 in the Office of the loomder of Deedm of CeaaailaoMiaaad Coonty, P= wylvaaii,a, ins Plan sock 71, Pmga 49, may Sollous, to wits at an L=u pion in the mater of Logialativo Route 21026, knom as old $tcmw Rome.2cad, bets?sa+aa< Lot We. 3 and Lot No. 2 of t A=; tlaMmoa thromb the cmtax of mid road, ikwth 056 dagraaar, 15 Wintee 00 secoaAds.last a distance of 266.00 leer to an is+an pins tlsescw hearth 04 depseva, 45 aaLMUM 00 "COOds bast a distance of 230.00 feet to an iron pin; theaa?e South 05 degrees, 15 mantes 00 aeoonds lest a distance of 226.61 feet to an irou p3,ni thao" Secede 79 4- g- a, 55 Minutes, 59 seooads West * distasaMe of 230.82 feat to an iron VU, the point and place of amq??. C0 aaa gross aama of 54 , 351.05 agaaso feat of which 7,3412-91 mmarrr loot are wiftla the dedicated right of way, 1wmiaq a not area of 47, 008.14 igaar'o loot. M4l, on IF XROLMM a two story fraeie d"Ilinq. MM Lot No. 2 a+s shown and desasibed in the Final MUor saidiviNalrasaa Plan for MM" Scott weber and R&rM R. Veber and 9a,3aaoaod a., Dieu and fiaa4eral141" A. Maaahl, ps+Rared by Steven a. plater, f efewaiowd band earvog=, dated Ootober 20, 1995, maviaod !o'aaagsaber 20,1595, and recorded December 0, 1995 in the office of the rseosdsr of Deeds of Cmlbwrland Comaty, Immaylvania, in flan Daot 71, ft" 49. X=Mm, a=nm, to am& eaeawaents, xeatriatiaaaa and conditions that am apply to tba elorw-demwihod tract of land recorded Ox ms?w Ouded. NO= pampa 2.2-10-0640-079 x Certify this to be recorded in Ctmberland Comty PA recorder of Deeds " ?b5V t- Prepared By: Shapiro & DeNardo, LLC Return to: Shapiro & DeNardo, LLC 3600 Horizon Drive, Ste.150 King of Prussia, PA 19406 610-278-6800 Parcel ID#: 22-10-0640-079 08-034125 9000415342 THE ABOVE SPACE FOR RECORDING USE ONLY ASSIGNMENT OF MORTGAGE 1111111111111111 Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC (Assignor), for and in consideration of the stun of Ten Dollars ($10.00) and other good and valuable consideration, the receipt of which is acknowledged, does grant, bargain, sell, assign and transfer to HSBC Bank USA, as Trustee for OMAC 2005-5 (Assignee), a corporation with an office located at Everhome Mortgage Company, 8100 Nations Way, Jacksonville, F1 32256 and authorized to do business at that address, all of its right, title and interest, as holder of, in, and to the following described mortgage, the property described and the indebtedness secured by the mortgage: ORIGINAL MORTGAGOR(S): Kevin A. Cooper and A.H. Cooper ORIGINAL MORTGAGEE: Mortgage Electronic Registration Systems, inc., as nominee for Opteum Financial Services, LLC DATE EXECUTED: September 23, 2005 AMOUNT SECURED: 178;400 DATE RECORDED: November 14, 2005 BOOK: 1930 PAGE: 4239 Recorded in Cumberland County, Commonwealth of Pennsylvania ("Mortgage") LEGAL DESCRIPTION Legal description more fully described in Exhibit A attached hereto and made a part hereof. Property Address: 245 South Old Stone House Road, Mechanicsburg, PA 17055 Together with the note or obligation described in the Mortgage endorsed to the Assignee, ("Note") and all moneys due and to become due on the Note and Mortgage, with interest. Assignee its successors, legal representatives and assigns shall hold all rights under the Note and Mortgage forever, subject however, to the right and equity of redemption, if any, of the maker(s) of the Mortgage, their heirs and assigns forever. EFFECTIVE DATE: lolzb8 Assignor, by its appr riate corporate officers, has executed and sealed with its corporate seal this Assignment of Mortgage on this day of ?. )2008. (Affix Corporate Seal) F.0,7bi .4 ate .1 ATTEST: (111 J2?- Name: Christina Allen Title: -f STATE OF w ) Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC - - PsEi??- Name: e any oa Title: COUNTY OF I ) aj f-- q-1 C-5 A- ) BE IT REMEMBERED, that on this ('51 day of DejL 2008, before me, the subscriber, a Notary Public personally appeared 13cthW-ly1-io0 and Christina Allen officers of Assignor, Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC, who I am satisfied are the persons who signed the within instrument and they acknowledged that they signed, sealed with the corporate seal and delivered the same as such officers aforesaid, and that the within instrument is the voluntary act and deed of such corporation made by virtue of a Resolution of its Board of Directors. JAMES C. MORRIS NOTARY PUBLIC - WNNESOTA rycZLut-ssi MY COMMISSION xres: EXRRES JAN. 31, 2009 I hereby certify that the correct address of the ASSIGNEE is: 8100 Nations Way Jacksonvil , Florida 32256 a ? I d, N r::2, j. d. Christie 96meider I Our File No: 08-034125 Client No: 90004 1 5 342 Please RECORD / RETURN to: First Financial Abstract Company of Pennsylvania, Inc. 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 Tel: 610-278-6800 Fax: 610-278-9980 MYzB „pTM L7fifL ?i ? ' A%& '2=W CRS' =M tnraat or paroal of land located is M=xae Tai nship, Cmd *2sad Cowaty, Fssnsylvsnia, bounded sand acre part!ealarlY dsr wv"- l- eta the I1nal _ thaor Babditimion plsti for 'his Scott: Bb• avA Neiia - h:..1ldbbt iiad , PA"m ad. M. D1.eb1 Bad Genewleft L. DiOUI by 8tMen G. nsber, OxateesiooA a Land 9ttr ur r 4II&NA Z0, 1995, seviaad IIcwaWbox 90, 1995, and is wded an Deavalow B, tg99 in the Office of the 9aoordw of DOW* of Ce¦iLel jgwd Cmmty, 2"myivaaia, in !Plan Book 71, p&" 49, ss 0021owsr to wits a -0-11 01 at an iron pin in the cactus of Legislative Route 21026, knati; as Old Stoat Bathe goad, bebween Lot Bp. 3 and Lot: No. 2 of the 4wws x and plan; tboam tLsotph the centax of saitf. road, Worth 05 dsgme", 15 aimmtse 00 awwaft .Mrt a distance of 246.00 goat to an ire pin; % a m Mosth 84 dagrraa, 45 siaatss 00 owonds Mast a distamm of 230.00 feet" to an iron piss; theac+a South 05 1 - P - ew, 35 minutes 00 seconds B#st a distenoe of 226.61 fart to an Lzon piss; thence Barth 79 dagrres, 35 ssiaotes, 59 sroonds west a di,stmzw* of 290.82 !wt to an iron pU, the point and p1wo of SBOXEMOM. COWMXMG a gross as'Ila .o! 54,351.05 sgaaswr teat of which 7,342.91 sgaast* feat. ase within the dedicated right of my, I"viaq a not astiaa of 47,004.14 agaave feet. BDVriC IOWMX ZPMOM a tiro story franc dwelling. Lot No. 2 so shown amd deaatibed its the lfiaal NUor lls- diiisioa 93= for Ihome Boott Weber and gas= A. Weber and Xft" and S.- D3ahl and Beneath" A. Airhl, pzepesxed by gtwven B. risbft, sessional Land Buzvwj e, dated Oat abar 20, 1995, rer"od MasMber 20,1998, and recorded Deamber 0, 1995 in the office of the sreosa a o4.' Deads of C w dieslaad- County, Svx=arlvaaia, in Plan Book 71, ttage 49. XUZMM, NOISM, to such a somnts, rssts:iotione and o mditAobs that yew andy to the store-desvribed t m*t of land rooorda d ax msseoosded. pARM t 22-10_0640-079 I Certify this to be recorded In Cumberland County PA Recorder of DoOds ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200840564 Recorded On 12/29/2008 At 9:12:52 AM * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 34388 User ID - MSW * Mortgagor - COOPER, KEVIN A * Mortgagee - OMAC 2005-5 * Customer - SHAPIRO & DENARDO * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $37.00 * Total Pages - 4 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA of °sre? RECORDER O D EDS nso * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 18 II IIYI6111?1111111111 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-757-CIVIL TERM AFFIDAVIT OF Kellie Rohling STATE OF Florida: COUNTY OF Duval: Kellie Rohling, being duly sworn (NAME OF CORPORATE OFFICER) according to law, deposes and says that: 1. Affiant has personal knowledge of the facts set forth in this Affidavit. 2. In the normal course of Plaintiffs business, Plaintiff maintains in its files the original or true copies of Defendants' Mortgage, Note, Assignments and correspondence to and from Defendants. 3. In the ordinary course of its business, and in servicing mortgage loans, Plaintiff maintains a record of the history of its mortgage loans on computers into which employees of Plaintiff make entries of payments, disbursements and other appropriate transactions. Interest is calculated by computer software, which software is applied to all or substantially all of Plaintiffs borrowers, including Defendants. E; x4,-6e-, F ''D'' 4. On September 23, 2005, Defendants entered into a Mortgage Note in the principal amount of $178,400.00 in favor of Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC. 5. Also on September 23, 2005, Defendants entered into a Mortgage in favor of Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC securing the indebtedness of the Note. 6. The real property subject to the Mortgage is located at 245 Old Stone House Road S., Mechanicsburg, PA 17055. 7. Subsequent to the execution of the subject Note and Mortgage, Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC assigned all of its interest in the foregoing property and documents, which interest now legally belongs to Plaintiff. The Assignment was duly recorded as noted in Plaintiffs Complaint in Mortgage Foreclosure and is a matter of public record. 8. Affiant is authorized to obtain a printed version of the data electronically maintained by Plaintiff for the subject mortgage loan account. Attached hereto and incorporated by reference is the payment history of the subject account. The Affiant has reviewed the history and, to the best of the Affiant's knowledge and belief, it is accurate and correct. 9. Defendants failed to make payment due on August 1, 2008 pursuant to the Note and Mortgage and thereafter have failed to make all payments on this obligation. 10. As of May 7, 2009, the amount due to Plaintiff pursuant to the aforementioned document is $193,134.26, which includes the following amounts: Principal of Mortgage Debt Due and Unpaid $178,400.00 Interest $9,285.42 Late Charges $354.34 Other Fees Due $94.50 Foreclosure Fees & Costs $5,000.00 TOTAL $193,134.26 11. The per diem interest rate is $29.94 for each day after May 7, 2009 that the debt remains unpaid until judgment. 12. The mortgage sought to be foreclosed herein is due for the August 1, 2008 payment and all subsequent payments. The dollar amount of the regular monthly payment is $1,131.76. At no time have Defendants tendered a sum sufficient to contractually cure the delinquency herein. 13. Pursuant to the Mortgage, Plaintiff is entitled to reasonable fees incurred in the collection and enforcement of the Note and Mortgage. 14. Despite demand Defendants have not paid the amount due. 15. By letter dated December 31, 2008, Plaintiff sent Notice of Homeowner Emergency Assistance to Defendants as required pursuant to Pennsylvania law. A true and correct copy of said Notice is attached to the Complaint as an Exhibit B. SWORN TO AND SUBSCRIBED BEFORE ME THIS 17 DAY OF r? l , 2009. NOT 08-03 12 1. M. JONES . try ?e Notary Public - State of Florida , • My Comm. 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N O SI -1 m In gon0 A < H N m m 2 Z T C p -I w + A 977XEGC b° m A 11 11 M O N °77 m77 A y m a lnDmD H M r- M3 LAy ^r1 tM ?RImp D IV p n n S XD m VI `"T y N M M N I M A m bm? w GG<T O N < b m H ¦ II ?+ u°T m Dm T-?O N m m F M C m v anz In 1 m -1 v v °o m w yy-r-t 71 LA Dw O D Q T m N 1lff v r sL N \ ws ° v1 N rii m m + V Oo EverHome' MORTGAGE COMPANY CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 04/28/09 REQ BY CL2 PAGE 1 KEVIN COOPER EVERHOME MORTGAGE STRIVES TO 245 OLD STONE HOUSE ROAD SOUTH PROVIDE QUALITY SERVICE TO MECHANICSBURG PA 17055 ALL OF OUR VALUED CUSTOMERS. PLEASE CALL IF WE CAN BE OF FURTHER ASSISTANCE AT: (800) 669-9721 LOAN NUMBER: 9000415342 +*+w+w,t++++*+++++*+++w++++++++*:r+*++*w+w*,.+++www*ww++++++w+*++Ww,r*wwwww++*++w+w -------------------------- CURRENT ACCOUNT INFORMATION ------------------------ DATE TOTAL PRINCIPAL LOAN CURRENT PAYMENT PAYMENT & INTEREST INTEREST PRINCIPAL ESCROW DUE AMOUNT PAYMENT RATE BALANCE BALANCE 08-01-08 1,131.76 910.58 6.12500 178,400.00 515.16- ++w+t+++++++++++.w++?++w+++++t+++w++++++++++++=+Fww=+xw+ww++++++++w+++w+wwwwww+ ACTIVITY FOR PERIOD 01/01/08 - 12/31,108 PROCESS DUE TRANSACTION TRANSACTION EFFECTIVE DATE DATE DATE CODE DESCRIPTION OF TRANSACTION ------------------------------------------------------------------------------- TRANSACTION PRIN. PAID/ ESCROW PAID/ ------------OTHER------------- AMOUNT BALANCE INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 12-16-08 08-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 11-17-08 08-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 10-31-08 08-08 174 PAYMENT 0.00 0.00 0.00 55.43- 55.43 1 LATE CHARGES 0.00 NEW PRINCIPAL/ESCROW BALANCES 10-16-08 08-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 09-17-08 09-08 351 HAZARD INSURANCE DISBURSEMENT (PRIMARY POLICY) 410.00- 0.00 0.00 410.00- 55.43 NEW PRINCIPAL/ESCROW BALANCES 09-16-08 08-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 08-18-08 08-08 152 LATE CHARGE ASSESSMENT C.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 08-04-08 07-08 171 PAYMENT 1,177.29 0.00 910.58 221.18 45.53 1 LATE CHARGES 465.43 NEW PRINCIPAL/ESCROW BALANCES 07-22-08 08-08 315 SCHOOL TAX LIEN 1,740.19- 0.00 0.00 1740.19- 244.25 NEW PRINCIPAL/ESCROW BALANCES EverHome" MORTGAGE COMPANY REQ BY CL2 CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 04/28/09 PAGE 2 KEVIN COOPER LOAN NUMBER: 9000415342 ACTIVITY FOR PERIOD 01101108 - 12/31/08 PROCESS DUE TRANSACTION TRANSACTION EFFECTIVE DATE DATE DATE CODE DESCRIPTION OF TRANSACTION ------------------------------------------------------------------------------- TRANSACTION PRIN. PAID/ ESCROW PAID/ ------------OTHER------------- AMOUNT BALANCE INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------ 07-16-08 07-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 06-25-08 06-08 171 PAYMENT 1,177.29 0.00 910.58 221.18 45.53 1 LATE CHARGES 1984.44 NEW PRINCIPAL/ESCROW BALANCES 06-16-08 06-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 05-28-08 05-08 172 PAYMENT 1,131.76 0.00 910.58 221.18 1763.26 NEW PRINCIPAL/ESCROW BALANCES 05-16-08 05-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 04-30-08 04-08 171 PAYMENT 1,177.29 0.00 910.58 221.18 45.53 1 LATE CHARGES 1542.08 NEW PRINCIPAL/ESCROW BALANCES 04-17-08 04-08 313 CITY PROPERTY TAX DISBURSEMENT 494.03- 0.00 0.00 494.03- 1320.90 NEW PRINCIPAL/ESCROW BALANCES 04-16-08 04-08 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 03-17-08 03-08 172 PAYMENT 1,131.76 0.00 910.58 221.18 1814.93 NEW PRINCIPAL/ESCROW BALANCES 02-19-06 02-08 172 PAYMENT 1,131.76 0.00 910.58 221.18 1593.75 NEW PRINCIPAL/ESCROW BALANCES EverHome' MORTGAGE COMPANY CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 04/28/09 REQ BY CL2 PAGE 1 KEVIN COOPER EVERHOME MORTGAGE STRIVES TO 245 OLD STONE HOUSE ROAD SOUTH PROVIDE QUALITY SERVICE TO MECHANICSBURG PA 17055 ALL OF OUR VALUED CUSTOMERS. PLEASE CALL IF WE CAN BE OF FURTHER ASSISTANCE AT: (800) 669-9721 LOAN NUMBER: 9000415342 -------------------------- CURRENT ACCOUNT INFORMATION ------------------------ DATE TOTAL PRINCIPAL LOAN CURRENT PAYMENT PAYMENT & INTEREST INTEREST PRINCIPAL ESCROW DUE AMOUNT PAYMENT RATE BALANCE BALANCE 08-01-OB 1,131.76 910.58 6.12500 178,400.00 515.16- ACTIVITY FOR PERIOD 011101/07 - 12/31/07 PROCESS DUE TRANSACTION TRANSACTION EFFECTIVE DATE DATE DATE CODE DESCRIPTION OF TRANSACTION ------------------------------------------------------------------------------- TRANSACTION PRIN. PAID/ ESCROW PAID/ ------------OTHER------------- AMOUNT BALANCE INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 12-31-07 01-08 171 PAY14ENT 1,177.29 0.00 910.58 266.71 1 1372.57 NEW PRINCIPAL/ESCROVd BALANCES 12-11-07 12-07 171 PAYMENT 1,177.29 0.00 910.58 221.18 45.53 1 LATE CHARGES 1105.86 NEW PRINCIPAL/ESCROW BALANCES 11-21-07 11-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 884.68 NEW PRINCIPAL/ESCROW BALANCES 11-16-07 11-07 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 45.53-1 LATE CHARGES 10-30-07 00-00 307 ESCROW REFUND 79.83- 0.00 0.00 79.83- 644.85 NEW PRINCIPAL/ESCROW BALANCES 10-16-07 10-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 724.68 NEW PRINCIPAL/ESCROW BALANCES 09-17-07 09-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 484.85 NEW PRINCIPAL/ESCROW BALANCES 09-10-07 09-07 351 HAZARD INSURANCE DISBURSEMENT (PRIMARY POLICY) 389.00- 0.00 0.00 389.00- EverHome' MORTGAGE COMPANY 245.02 NEW PRINCIPAL/ESCROW BALANCES EverFiome' MORTGAGE COMPANY CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 04/28/09 REQ BY CL2 PAGE 2 KEVIN COOPER LOAN NUMBER: 9000415342 ACTIVITY FOR PERIOD 01/01/07 - 12/31/07 PROCESS DUE TRANSACTION TRANSACTION EFFECTIVE DATE DATE DATE CODE DESCRIPTION OF TRANSACTION ------------------------------------------------------------------------------ TRANSACTION PRIN. PAID/ ESCROW PAID/ ------------ OTHER------------- AMOUNT BALANCE INTEREST BALANCE AMOUNT CODE;DESCRIPTION ------------------------------------------------------------------------------- 08-20-07 08-07 315 SCHOOL TAX LIEN 1,771.09- 0.00 0.00 1771.09- 634.02 NEW PRINCIPAL/ESCROW BALANCES 08-16-07 08-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 2405.11 NEW PRINCIPAL/ESCROW BALANCES 07-16-07 07-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 2165.28 NEW PRINCIPAL/ESCROW BALANCES 06-11-07 06-07 172 PAYMENT 1,150.41 0.00 910.58 239.83 1925.45 06-05-07 06-07 170 INITIAL ESCROW DEPOSIT 1,685.62 0.00 0.00 1685.62 1685.62 06-05-07 06-07 142 LOAN SETUP 0.00 178,400.00- 0.00 0.00 178,400.00 NEW PRINCIPAL/ESCROW BALANCES v NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO 7 1 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO 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 & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 01, X57 COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE c? ?Y ?:&m 0 r C? Fn --- O NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. 97 k'a A 04 IT "' 14 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. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, HSBC Bank USA, as Trustee for OMAC 2005-5, the address of which is, 8100 Nations Way Jacksonville, Florida 32256, 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 Opteum Financial Services, LLC Mortgagor(s): Kevin A. Cooper and A.H. Cooper (b) Date of Mortgage: September 23, 2005 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1930 Page 4239 Date: November 14, 2005 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 Opteum Financial Services, LLC Assignee: HSBC Bank USA, as Trustee for OMAC 2005-5 Date of Assignment: December 19, 2008 Recording Date: December 29, 2008 Book: Instrument #200840564 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 245 Old Stone House Road South, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of each Defendant is: Kevin Cooper, 245 Old Stone House Road South, Mechanicsburg, PA 17055; A.H. Cooper, 245 Old Stone House Road South, Mechanicsburg, PA 17055 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 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. 7. The following amounts are due as of January 31, 2009: Principal of Mortgage debt due and unpaid $178,400.00 Interest currently due and owing at 6.125% per annum calculated from July 1, 2008 at $29.94 each day $6,437.10 Late Charges continue to accrue at the rate of $45.53 $263.28 Property Inspection $40.50 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $5,000.00 TOTAL $190,390.88 8. Interest accrues at a per diem rate of 29.94 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. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, 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: BY: q1% Attorneys for Plai ts S & D File No. 08-034125 V Pmpwcd By: Lisa Szabo W116 Century Road, Paramus, NEW JERSEY 07662 Rearm To: ACADIA SErrLEMIENT, L1LC 341 NORTH SCIENCE, PARK ROAD p? SUITE 203E 0??ATE COLLEGE. PA 16803 PH: 814-272.1405 FAX: 814272-1406 i?:.:. c,-j'f p. ZIEGLER OF HEEDS -icu`'7Y-r:: ;'5 NIN 14 PM 2 20 ParwiNim .. Promises: 245 Old Stone House Road South 22-10-0640-079 Mechani4burg *an Alva M& Uin Ow !Vaal MORTGAGE MW 100135611051109755 DEFIIMONS Wads used m xnApta seobtms of this dommot ate da rood batow end other words are defined sn Sections 3,11, 13, 11L 20 and 21. Cafth rules reprding the usage of words used in this dowmv3 ut are 40 pravldod in Socha 16 GU"BaeI."me#onst3nadoc{®aa?wbichisdstod September 23, 2005 Wpdcr with in Rldcra io thls (B)"Non+s W is Kevin A. Cooper Batrower ? mo mort?gar uafaar thts seow,lty lnstrraneru, 01MO" is MnclRw 1 oic an mss, Inc. MM is a selwas corpotabon that is ac ft solely fa a aural w fw F.mdra and Y.endor's succassors and esdgm. MW b flits mor*q" nits' fib &cm* ]bAmmasit MGRS is orpntud and ab tag undo the laws of Dalawme, wd hu an address &ndfolephono member ofP.O- Bove 2026, Flint hff 48501-2026, tel. (898) 679 ERS. 1105110975 PE1N OnVANU - ShVk FaMW - Faeara MaatFroddia Mss UNIFORM NISTRIIM@N1'tiY R HER$ Form 3030 1101 "4fAiPA}teal1 ?y/?/t/ *- ran. t a w iA? VW M"%R a latlona, laa te00)!ff-rm M?Wwwmwm a L N UK '1-9.3 05-4 2-3 9 ,` 19 (D) "i<sad eis Opteum Financial Services, LLC ImuirisaLimited Liability Corporation otiae?d and eudttiogundea thelews DELAWARE Lender'sin W116 Century Road Paramus, NEW JERSEY 07652 Ct) "f?oWnwm the pnmob ty note al ped byBoaaww and dated September 23, 2005 Tim Note son imBoaomom etlerOne Hundred Seventy Eight Thousand Four Hundred and 00/100 Dollars (U.S. $ 178, 400.00 ) plus hderesL Borrower has promised to pay this debt in regular Periodic Peym ft sod to pay the debt is full mot later than October 01, 2035 (1) "CRY" meant ft try that is described below tinder the heading "T1ans£er of Rights in the (t) "low" nimm the debt evidatood by the Note, plus interest, any prepayment charsea and late dupe due under the Note, and all owns do wider this So=* Irsftum eau plea ink=L (M "Mm" moms alt Ridan to this security Instyn>ment that am exwftd by Bom wzr. The Wowing Riders are to be wwadcd by Borrow [chook box as applicable]: AdjushMe Rabe Rider Condominium Rider Scoond Nome Rider B610MRid Ir PMMW Unit Development hider 1-4 8amr'br Rider VA Rider MwoftPaymmtRider Legal oba(sscription and Prepayment Penalty 01) "Appl albie l An" mcm all coaolft applicable fedrorai, state and local stain, raguladorA ardnsnroes end admhdd;s ive aim tmd oArs, (tint have die effect of law) as wall as all applicable Spat, (,17?iurty Aalgds DoYa, FM% and Am==W' m.-ans aft dues, f k4 as"Mmeerta and o0w cbmw Ast ale iayvoaed an Bamuwer cc the Property by a condombinmr associskii, homeowners asioeramou ere crgeei. 00 "Leetaamtie Bbdt Taamrats" means umdbc of flmds, other than a transaction origi xwd by check dm% or simow papenr bauumeut, which is is d0ed t =q#t an clo0rovic Urmaial, tekphamic h0huome d oomputa, tr magneia lope so as to order, hishuct, or tnrffi a fibm0a1 iasfihi6m to debit ea credit an eooocmt. Bach toga but is not limited to, poW-of wla is msfirs„ automated teller nsacdsim,p , Undhes Wdeted by telephouey wire, trans*% and automated clel811nWww tramdem. Q•j w9mmw Hme mem s those itra>,yt that am dexriW in Bacon 3. " P aoeerlt" mash aqy adam? 80ul=v t, award of damagecs, or p ds 1md by moor Whd party (dha ihsn im mm paid under the covUVa descrlbad is SeWon 5) for, (i) daatgLpe r C ?Ym is plat oondamrmoadaa; ro CW) mbrepraer W t orll omisst? to, to Valueaod/ar abbePropa?w. Q11 -orrlp8o toper" moons Leo protecting Leiner against Um norzpeyme* o4 or default on, toolaw- ^" ? zW amounts under Sect of Semvity bzaum?=L ybn P p? and irdcc+est under floe 1105110975 Q J4AMA)14M) P,NV: x116 Form 3081 1101 8K-'193©PG420 "tt?A"mesas 1}ra Ral B3lato SaWameat Proosduna Act (12 U.S.C. Sodiw 2W] et seq.) and its p1 og regulafim Raguladon X (24 CYJL Part 3500), as that' might be amended ftm time to tmc6 or pry addidaoal or pj=W legWoa or mgulsdaa *a govema Ibe same subject t udw. As used in 0& S!mz* -aMA" tvf s to sal rngairmneah sad modems that ace WVased to revud bwtuewai? to a "fedwgb r tebaod marop ken" even if the Loan does aot qudify as a "fbd eRy Mated morn W ben' mdw AMA. 00 "Baopraor h IetOe eat of BaravwW mesas any party that bas taken We to the PropmW, vrhadw or not dWpotty baa aanaaed Bono weer obal Wh= under the Notes and/or this Security Inshument. s. TAANSFll1C OF FiGHIN IN IM PROPBRTY Tlds Secmay b setarces m Letriae n its rapfgrineltlt of the 7.oa»„ and aU raoewais, exteod[rnte and mod9li dons of dw Note'. and (11) to pex5aome w of BoaaVe& cuvea UU sad 19eemMU ua(or this Security bWomem: ad rho Note For this peep ma, Bmvvw dots betehy mottga$e, of= and CMM W MM (0* w a=uw The Leader and Ls?dws weessars and snips) aad to the sucexasors and &Mips ofhgM% the follawigg den &0dp mquty located iatbe County Frype oraewcdiog 7edWWon) of Cumberland (xemcofkeeardipgAm(edtedea]: All that tract or parcel of land with improvements thereon as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. This is a purchase money mortgage being the sang premises conveyed to the mortgagee herein by a certain deed to be recorded simultaneously herewith- wbichmrwilyhasdwaftuf245 Old Stone Rouse Road South Mechanicsburg ("may Addnaa"k ic[V], Peaasylvenia 17055 (Spcct) (Zip Code] T offm R ww 44 iha mvrovemew now or huca ber erected on the , sad all add'dions also be eavcAW Yb a; All of to in this holds 0* ]M01 Iitlo Sewtig? as the *pRapettj." Boetower lmdez,taads sad ts$ceoe OWS fo tLe »> by mmi m- in Ibis Searaib? I1>*uow#, but, if necessary to oaatply *ft -law or ) nominee fir Immar =4 LoWWs suomewn and vss?w) has the ' to a emise nay of an ohhoao , , U t not hurdled to, dx right to foroc(oe; and a& Pmpaty, sad to L mquimd?fI hwhwin& but not iimFmd to. raknimg and cling this sc auity 1105110975 AC, INUrc l•fA{M) ll Pepe i of to Farm 3009 1101 Bt.19 30 PG G 2 4 1 "RMM ODVIsANU toad Bornvwrr is kwfiilly? saisod of the aststo hatoby comreyod and has the tight m =orWM Svent and convey the Property and that mho Property is uaen=*ftY4 mccept for encumbonces osf reaoad. Boaowe r warrants and will defend geaea'alty the title to the Propmv against all claims and d'mm? mftect to KW e?c®brnaoee of record. TH[s 'Y MSTRUNIENT omab'mes uniform covenm* tin natiaml use and nm4wifoan covenants with lunited vanakosas by judsdiction tD constitute a unifm security ism Wam= oavecing real Pwady. MUKWMM t3DVERANTS, Bo msuer and I.sndor ooveoatd and agne as mellows: L Psynmt of Prl adpat? hkrwt? X&esrow Itame, Proagmat Uttw> Soo m>d We cwt=a Bommw ebpp pry whoa duo to pd u*mi ash and iderosd ca, the debt evidowed by the Note and mmy pop>dyop w e>arps and Ito d wan duo under the Note. Bommer fill also pay fimds fur Eaccow Items PMRH d to Section 3. Paymeda doe endear the Note and " Security Iostrum ont shall be made In U.S. va reaq. Haoeoves; if zw d w* of other hmumoat recaived by Murder as payamat under to Note or tiffs Se mby insutm of is ntlmsed to Leader unpaid, Lmdor may require chat toy or all ;ubsoquent payments does under *a Nate and this Security In9mment be made in arse or umre of the following farms, as selected by Lmdsa: (a) cash; (b) money order; (e) weed ebwk bank chock, itoasuWs clscstc ar a mbieft dwck, pcovided wW such Check is drawn upon, as institution whose depodu are insured by a federal agony, instrumentality, or saotity; or (d) Btectronic Funds Tkawk. PWriu ita = doomed received by I.axkr wbin mcelved at the bection dedpwad I* the Nato or at such admr lowdon as m W be &Q pod by Lexrler in awxdwUe withihv nWw provisions in Section 15. Lazier nW t a-, army pgmat at puW p4ti'mert if tbo payment or partial psymads are iasafficiaot W being the Lean cuaz>at. nonce accept any paymaot or partial pgymast Insaffidattt to bring the Loan Ouff"k without waives of any d lft berounsier or prgjudice ID its swft to team Mach Paymem or partial pgmdats W dw AV ^ but I ardor 4 not 4lig stod to apply such pgmmfs at the *w such pnym+sads am acw*d If each Periodic Pqmat is applied as of Its scheduled doe date,. tha I.1mdr r need not pay . , I on uwppW Sw& Lander may hold such em wpW Rinds until Borrower maids patyrnent io being Ow lam atsrteat NBmvov k duet tsotdo so within a reasonable pesiiod aftinrk Tm der shall either apply such lWds or recta, dm to Harrower. If tot appRod earlier, such Smds wM be epplicdto the out*mmft p incb i Waneo u kla Ow Note immedllas* prior to foreclosure. No offiset at claim each Borrower might base ww or In the fattens against I.e+odrr srball oeUM Borrower from malorsg pymcWs dace under mho Nab: and tbia Seca* Inshtameur or par arming the covenants and gvv=v* se v ed by this Security Imhmoeemt. , Z Appiodw of ]lltyAmb or Paoese3c Except as otherwise dmgwd in this Section 2, ell paymc>ts accepted pod applied by Leader shell be applied in the fallowing order of priodty: (ae) interest doe under miss Noft (b) p *d due undw the Note; (a) amauefa duo under Section 3. Such paymeub shalt be applied to each Paioliie Payment in the order In which it becmae due. Any remainiV amounts shall be sppW Best m Isle dd>gm seeead to ar i other amounts due under thls Security lnstrumeat, and Ih m to z&mc the pniac3pirl bala?AOe offm Note. U Leander aeveiva a payment fmom bcnvwer for it delloquot Paiodc Paymeoa which includes a w0cieot ammaot to pay uW talc chop duo, the payment may be applied to the ddhqu: zt pe ymew and be babe cbw ffmenv don ace Peda rm Payment is UUMUfta I,aaxJer mange apply arpr payment rwdved ftw Bonowur to ft rapayanent of the Pabdie Payments iK and to ibe extent that, crab paymcat 1105110975 .4"A' (06at1 P?0o 4 M 18 Form 3039 Net BK 1930PG4242 aan be paid in AR To the a trod ilmt soy excess CdSb after tba paymat is applied V to full payMM4 of ace or mare Periodic Pgymmts, snob eemm may bo appliod to xV dare charges doe. Vohntt" pkpy=nisabaft be applied f tstto aqy pmpymsu attaW sad dsm as desmled in the Note. Any appllcEbm of pqmde3b6 imdce proceeds, or MsmU oeaas Rocoods to prlaRUpal duo under ibe Note shall rot wmad ea poatpona the due date, or chaW tha amount, ofthe Pwiodio Payments. 3. ytnda far Eves a+r It=& Bo[mm shell pay to Lender on go day Periodic P*m b ate due wxler the Note6 a>Ee7 the weft i paid in full, it sntm (the "Fumdsl to provide for paying t of amouate due for: (a) taw and woonmu umd o dw its= which can atldu priority over this Seam' bsw= apt as a dim at encumbrance on the PvVeW, (b) laaeboid p*mumfs or grotmd rows on the Ptupetty, If art}, (o) prod um for mW and ag intaaamm mq*ed by Lander under Seddon 5; and (d) Mortgaga Itmtutmx pew, if any, cc uW tatms payable by Borzuwa to Lader in licit of tbo payment of Mortgage %suraooe p r minas in acoordapoe with the proud M of Sec" 30. 7nm bbema are Cram % m aw items." At adStWon or at any Om daring the to m of in L oA fonder may rogaire that Community Axodadan Dues, Foes, and Aeeatmems, if aqy, be eACet m d by BosvowewC. and sorb dues, fees and aeaarammts shad to an H7Crm Item. Bmwm shall pmmpdy fiambb to Candor an notices of Smoonts to be pdd u> x*t ft SceduL Dozzopm stall pay Lauder the Funds fat Hxnw Itoma unless Lender waives Bormwten oblWou to pay the Funds for =W or all Earrow Rms. Landau may waive )iosmwds owpom to pay to I? Funds fix aW or ail Escrow Items at mpg dins Any such vWvw may arty be »' III tito avast of such w&w. Bonowa shall pay dasedy, A= and wbm payable, the emowts ' dab fm aW Escrow lW= fbf wldeh pq=x%t of Funds hag boas wdvad by I.eaddt and, If Lender zogtttzos, d of fimtlah to Leader vocolpt s Ovldeafg suds payment w&UR evah lima period as Lender may tbclgdee. Bmww&x aftdicm lo, make such pegrmeala od to pwvAe reo*b abaft for an pwposa be doomed to bo a sovmW and cotbined b ibis Security Ins=nt% t, m the pdpm "o0vemmt m d spommt" is mod is Section 9 If Bozraw is obligated to pay Escrow Ioemds directly, ptnaarut to a *vker, and Boamm fails to p V ft ar=- due for as Escrow Item, f?encIer tnay eatatase As 40% Wdar' Bowan 9 add pay %i* xwmd and 8orovrar suadl then be obBgu bed under Sftdm 9 to repay to Lmlar say such mnumL LcWw »y wvdw the wdver as to W or all Escrow Means at nay tkm by a nWec given m sevot om with Bad- 15 axed, upon sorb revocation, Borrower s31a11 pay to Lewder all Funds, add in Bich painter, ihat uo dm rego<ned under this Seddon 3. Leader may, at any time, caged and hold Ronda in an amotmt (a) mlfud to permit Lendder to apply the Funds at the time ape MW under RBSPA, and (b) not to w=W the mwdnmtm amount a lenudee aan nyq" ender RBSPA. I dWI rstimzb ilia P No A, t of Irtmda due an do basis of omrern data end nwoomMe esdmato of ocpoadku= of fhtm Escrow Rams or e>ihetwiss in aooat&M with AppRoabla xav? 7hC Fonda gl 0 be held In an iastitatiou wbw deposits azt: kmtrod by a federal agmwy, b utzt nullity, or entity (bn iuft Lwder, iftendar Ia en b>Sefit9&o whose deposits = so muted) ur Iu Asir FedWd Homo IMM DWx I.ettder &a]t applyu Punch to pay the BMW h ms no Tatar tba the time spacd ed, treda RWA,. Leader SUB not charge Bmcnvw for MUM and aMying tba a=* as maUy Waly-Ave to emow accotugt, or vemfyft the Zaeaow [tams, uoletn IADdW M Borrower boatamst on the f xb sad Applloablo law pcm to Lartdew to melm =& a e bmge. Unless pn agtem ew is made invr*g ar Appytc" Lava re, *t:s iedl'aSt b bra paid oa the Fum% Lender Ad rot be r Tdmd to pay & mw my' vp pal or eambags on the I uW& Bonoom add leader can agree, in wdtiu& bowaver, that ietem 1105110975 ??? Ip) pogo s o11! Form 30a3 1101 OK-1-93OPG4243 shall be paid on to Flmds. Lea>dst SW give to nontWor, v4dxm t charge, an anmo l accomdmg of the Panda as iaquW by RMA. If ibere is a mzpW of Fwds hdd in eaexow, as dafioed under RWPA, LevA er shall wmmt to Bonowtr f w ft ea=r gods in accaadmm *& ROSPA. If there is a ahortage of Rods hold in wrow, as dofimd imdetitWA, Lm lc r dM tla* Borrower as =gWmd by RMA, m d Hosower ertasU PAY to Leodes 60 aaOMM rrecem my to fttatoa up the shortage is aooordmoe with RBSPA, but in no more than 12 y NYmmb. If em is a de mknq of ftu& Loki is mmw, as defined tinder REVA, Lewder dell wg* Bmova ss begnied by RHBPA. NJ Bom wer shall pAy to Laodar the mu0 mt neowsmy to malm mptlm dofidaoay in sextotdewce witft 1#BSPA, but in no memo than 12 mmOdy paymmrts. upuft RP MA j** Ldd t I;y T,4ttm smntd by this Sec a* Xast9, Lander elmli pmmptiY refwrd to 4. Cite M JAM Boaower shall pay aU teaxes, charges, floss, ad imposidens aftnUbble to the Property wbM Car soma pdaity over this Security las&u cP4 leasehold paYmcnb Or grotmi"a Oat w peopetly, ifm y. mg C=mzdty AesocWm Do % Foes, and Aaseasamcn* if U W. To tba emttm"theuo jWm are Bataow Ib xL% Bowwr almll pay tiers in dm nm mw provided iu Seam 3. Bm+owet si>.1t p unlay tli a any Her wtdch bas, priority over this Sam* InsW mead ualm Bmuwi r. (a) Wm in wdit fp the pgma d of the; obUgatioa seeaircd by the lien in 4 meaner erns bd6 to Tmldm but Qo1,Sr so lmg as Bocower is puf uft such ap maent; (b) =Mm the lien in good fd& by. or daftb rRtomt clftc 7nexet of fhb ]I" ii% kgd proezo&W yrb?eh in Lemdea's opWm opemaa to pvvcct *6 of #0 lka mffik *= am om&d* or (o)ieatras fm 1?ddm of thee lien m Wo urad WWkebmy Lacdcer ==thin 8 this lien I* tUs Sww* I @kMeia. if Lander daWmA sss tl* any part of the Property is subjm tD a Tres vAd* emn zM& pdoeltl? aver thin Boom* bmemt, L mdcr may give Bomwec a notice identifying the, Jim VWm 10 *p of thb ditto on which that rwtioo is 99-6 Bwower shalt ad* the lien or take one Or mm Of to a at 6A above is this Seder 4. T,e ,Qr mq mqube 1lartowe:;' to pay a on&time charge for a real estate tax ved laden and/or rap ftaeF",Wdby Lan t is came ioa with this Loan. F,, psppWy )T=mm m Bouovm" keep the wWvcuLem saw wasting or herod6er Outed era The prOWW insw d apbW Im by ft bumds mdudod whbin the term "atended WwAigo." and any other ba n& Ju*fpipg', but jot Iositod to, esatd>p" and floods, for wbM Lmdw requim inatannee, M& in=== te1wH be mid is to amouab Cmeludisg e>e a le:vela) and for the peuiods that ]Lesnderr mgrs M WLet I+ePdm Xquhm h to the preceding smbmm oar abop dosing the term of fie Lam MW immow ? povift the hm mm shall bit chmm by Borrower subje d to LemdW* 4& 10 el Wm Bmmwue's cbok% which d& shoU not be =mud umeasombly. Lander may ioquica Bang= to poly, in eronneotloa with this Lola, eldw. (a) it ow4ime obarge for flood mite dvebwttuodao, owes ad Uw*bg sex im, or (b) a ore-titre charge for flood zom ddammmim sd emtaloea sad zAwgtW Cbstgss each time remoeppiW or aindlaa &mps owur w;bich reasao * i affm t such detmiubmdon or cerdficalm Bo=ww shall also be: re spooaible for tin pew of m W fits k mad by the Federal Bite Smq Mermscmmt Agency in Coredettlem with the mjm of eee W flood mne de lm = tiog horn an objeedlw by Borrower. 1105110975 it-- Ac tt41 ,M F31q P61010(14 Fora $039 V02 BR-1 93OPG4244. If Boar hits to maintain my of tbo coverages deacaibed above, Linder may obtain imatuuaee c inv.,, at Lwdces owm and Bmowces expense. Lender is uodoc no obliptim to puwbaw any pu cmiar type ar a>mvtart of o0va W Tberefore, such coverage SW cover Lendet, but mW or m'& not protest Bonower, Beaowefs equity In the Fcop*M, or dw comtomb of the Pmparty, against any nmX hued or habril* amd might pt+ovide pultur or lesser covemp dm was p wWousty m eBeet. Ba uvw odmowledges that @ro cost of 1a imrmmtoe oovmp so obtamod might algmifiem* exceed the cost of inshro mo tbtti Bomwcr could Dave obtained. AzW sanamb disbursed by Ladet under Ow Socha 5 shall' booomo add and debtofBeamwar seemed by flu 8e=ty IrL*umomt ibma amotmtts ".bear br6orest at to Note no Snm the dm of dlebmseca t and ftU to ptq Ole, with such iatez st, upon notice from Leader to $maowea saga P*TUML All ia Leader and mwwals of snob poUdea ahall be subject to Lender's avsanrA polircaaets regtdrad by to &9W Me such poSGICv, shall include a sWedar . maetpp clease, and shell name L mdw as wArWam and/or as an ad&dmW loss Voym. Lcrxlcc shall have the right to hold the policies and Imnewal CKdffCldB. If Linder mquials, Bamww shall 2COUVAY give to Lender sll ro*b of paid premiums sad ramd w teem. if Borrower obtalms say form of i vmw cuveuage, act olmrwm mgwrcd by Lertddt, far dmcage t% or de:truclim oC the Pmperiy? each policy shall include a standard raortgagb dam and "rmmo Leader as mortgagor and/or as as addhlond loss pays In the crot of loss„ Boaawer shall give promrpt notice t0 the bmmmv comer and Lender. Lander rargr maU pool of lass if M minds pmgAy by Bmuwcr. LJalm Imdat and B= m od wlea agree in v EW hanm proceeds, v6sOm or act the umdarl * m=x= was tcpxcd by Lander, shall to VOW m =* *VOW ar repair of thr Propeaty, if the rWOZ*dm ar tRx& ib"coo-kdly feria. ad Lpode& 9ocuti4r is not teaeoaed, During meh repair sad nsoaudon paiad, Leader shall havo this sight to hold vJ& h 70S prnoteda hIDtil Lender has had in opporkludy to inspect Such Ptopc* to emum do wale bw bem eamplatcd lo LmldWs ciao, povided disc arch imspcdm Ball be undertal= promptly. Leader uW dLibama p =w b fix do repairs mind rabopdm in a single payment or m a series of Pm9nm pgyetants 0 90 wink is completed. Unless an egueomer?t is made in writing or Applicable Law requkw kdmc t to, be paid on such inSwwwo proceeds, Lender shall mot be mqubw td pay Bmmw6r my irdereA a eattifW on M* ptooeeds. Fees for publlo adjustors, or other third partiaa, wtsmat by DMOM 9ball mat be paid old of the initua+mm prv®ods rand ftH be the sole obligation of Bmw=. If do nm mom or repair is twt oomamicaUy timsible at Lenders sectalty would be I mtm"4 the irmmm e, psoomb sWU bo Mpplied to the soma w=vd by this S= 4W k*umany Vvhdbw or not than due, with *e emms, if awry, paid to Bonow4r. Such iastm'ance pmcccds shall be applied in the acre provided :sorIn Secdcu l Yf Bomywc abamdaos the Property, Lender my ft nwotlate sal Xtb UV avm"lablo b mm= alarm and rala/od.mati n If Npmpwpr does not respomd wrti$n 30 dgys to a notice fim Zander that the i mamheo carrSer bas offelOd to mCWe ti dauo, then Laxlor way negodals ettd wtdc the Mm no 30.&y padgd *H bc& v&m 13te modes is given. In either and, or if Lender aogaa the Phopcrty oxW Socbm 22 or Obembk BMm w bmeby aanps to Deader (a) Borrowrre doff to any imu w4c proceeds in an amoW>< not to O .Mead the amounm tmupaid under the Note or dos S*;w* ln*mwt, and lac ? under oovering the ?, iiamy rdhad of mmmed sofar w p?mpD paid by C=WV oftbe Ptoltoafy. Leader may use ties b=aron proeoods eiterh tD rsoh epau?a iastore Nprapmmw cr to pay anoints u qWd tmder the Note at lids Sec 6V mete m=g, whether or not than due: 1105110975 *, ' imiru ?MP?U coma Papa l of ,e Form 3036 1101 OX 1930PG424.5. 6, OnmpW Boawaw ft U ooaW, ublish, and use the Property as Borrower's 1101301W t>rsWa= within 6t? days after the MMWM of this Semit<y Inetnu got and shall codmue to oc coW the ftVcdy m Bastown's pRixc * mddwAx for at least one year agar the date of o Mabry, unless Lender otherwise agrees in wnmo& which camsM shall not be wuwaonsbly w OAWd, or unless c&mmft d um#= ns odd winch are boyood Bwowees control. 7. PnMTS 0pr ]tatrlaoaaoe sari Proletlltw of the Props; bqW$ ions. BaaOwCr shall eat dastrny, daMV or hgWk the Property, allow the Pmpaty to detadomis cc commit waste on tbm plopaty. Wb*W or M Bornowet h naIding in the Property, inter shell bairn OD thO Property in OWN rid prim the Property fbow doWn 10 $ or decrembng in value due to its condo aL Unless it is dahmnimil paQeumt b SOWM S lbet rcpdr or zcdmdon is not cwnNoIcally foe®"W Borrower SW punq* upik to ftWW d danmgd3 to avoid ftt dw dcmriorad[on of damage. If lrgpymttc0 or condeowadon. proceeds are pidd in commoft with damage 1% or 00 talarrg ofi the Property. Boot MM stall be laepotoMr. fm repaunog err noodog the Property only if Leader hw nl=W proceeds Por such ptiv as. nW disbtma proooods for the repairs and restordim in a sW& pgmmi or in a series of psograss paymcmi; as the wo& is vontpldW If the brwlaanee err a on proceeds are not su McIont m repair or rtistm too f opmiY, Borrower is trot idkTW of Borrawara ob1*11oa for this oompietion of Naar repair or r+asEctafiazi. I,eadar or its egmt nosy mates rea9m" autrim upon and kupectims of the Pmperty. If it hag reascmble cswea I.mder may isoped the interior of tho unprovomam on the Property. Lander shall give Born mw notion at the limo afar prior 0 1u* ap We let laq?act p specifying such tessonablo cause. L Dvtertoarrs'a itMS ApplirstlaM Barraww shall bo ih dcfautt if dabs the Loan application prooeaa, Boffma or easy pcrsotus or mode acting at " direction of Borrower or with Banowds lraowle V or none gtttro nw*vaW f hw6 mideeft or insomrab mfermgm or shUm" to I.epdoe (or raw to provide beodrr with natMW IDfarmetlaD) in Oonuction W& the boss. Mde d rep[ 5w=dms b ducks bit one wt VWW to, reprea ins ctmcerows Borrower's OOMMm.7 of the Propaiy as Boaowet'1 pcit?Gipal imidersoe. !. all I,aades4 Iit9sred be the Prlopaorty st?d ?b Uador thin ?r!>y Iaaterrment. >f (a) Bwower rails to per ARtn the CdVeP AW and agneemmrls contalgd bn this S«aulty bstnlmrent, (b) there is a blo Vm0a in6 that might Agnificaut(y affect Leu bes iaboresI id the Property en Var xWa tinder this Ssao* ?as Mcut (ettQl# as a ptowsalus is ualarqfty, probste, for candemodon or f 9th re, far enfgromat of tt An tri ga may attain pdamty aver tine Soorubty kMU't UGW er to erdarce hM or M0lgtipnal ? or (a) Bwwaw Jim abandoned the bapedy. these bender may do wA pay for whatever is :ealsanablo or I -IS ;a!, to protect bender's b2ma in the Property and rigbis under INs Secti ty y M -4 protecting and/or mscs ft the value of the Property, cad securing sud/or zepohb g 1hs 1?iopsety, jandrla icticma can hwld%* but M not limited to: (a) paying any . eocumed by alien winch boa p kdw over tbl9 gaulthy Ittehtmtane; (b} appearing M Court; sad (o) paying Msmable ib as wW ppoaid is bmsknry the Secwbg &a ProUndw perty ? but limited cntc g the piopmy to malm rq*; change lode, replace or board up doonc and *Wows, do t water from pipae, nEwboba bdi&g or other coda viobdow or dange = coradidow, sad have ix tlrs honed aQ ac oil: Alfhoug11Ladder nmw Ww aotim under tbi3 Section 9, T.ordmr dose mt have to do so.and is not iuAcr wW c obbofm to do so. It is agreed that Leerier incurs no liability for not tabdog Any or all sataas mz?umbad wd1cr rids Scc&m 9. 1105110975 MC s •iA(/A)Wswt page eof Is Form 3039 1101 OK.1 93OPG4246., Any =elm disUmod by Candor uadsr this Salim 9 dwU became additional debt of Bormwer mcumd by iM$ 5oaaity msttmmtt, Thm =cum abaU beat iaharmt at tike Nato zeta from the date of didxnemmt and awn be peydbla, with sash We ast; upm wlW ftom L,aoder to Bonnwer r+equodmg p"niat if ibb Shy b>amumet is am a kas"d, Bonmar sball comply with aU the provIslom of the lease. If gamy= acgWm he We to the Praporty, the leeadtold and dw he title! shad not merge u dw IAndW MM 10 dW MOW in AMMO& 10? >ifsslsep LroattutDa. If 1?ondtar zngifmd 113nrtgego hwj mve a a cc®dWm of peaking the Loan, Aoetowec' shell pep? tha preoa{ngAt to tnalolain the Mo?Kgt<ge Imtaaooe ht o?eCt. If, for aqy zeason, the L [IWOe oowrsagR zo9uirod by Tender to be avail" tram flte most w kw= that pf?paan?lded such imiamta0e ad Romwa wag req<mW to melts sapered* &*mkd pgmms bwzd i to prrutitaas tar.Mt O Inwomw, Bomowa d" pay dw p[em mna zegtmod to obtdn caNeca{ga lyr egWyakd tzt rite 1*94 ego huRnsnW par{dOU* In dF%%, A a Cast aubetmtially OT*Vdcd to the Mac to BOmWa of 60 M4Ctgage bra=ce poevlaasxy to elfact, fmm m eltemate mpf<tgega i0sm snleamd by Loudw. If sf dly ap&vatmt Mud" Insurance covemp is hoc avfrr' , Hmum &A otminnue to pay to Leader ft mood of the aapssame>S? lea pmbd paymarra that were doe wban ft irta was awaW oamed to be bt atxt Landw wM accept, we and ratan these pap MNU ss s loss 1mm in lieu of MorigW Iosmm& Such loss room aftaU be neat af> notate tike fact that the Loan is ultk=kly paid in frill, sod Lanckr"trot be z wqjdmdtDpWBom7wmyl iCMQt?o >nnawuoe (in ttre am?audmd ?r ? ?asj pinyvldod.by sn nxa seladed by )(.Caller pads bey vma%6% Is obt&4 and Leader rcgi& s sepAtateoety_ ?teyimrtetowaad tike pfanrd<moa tsor Moetggge memento. iFLast<dar required Mortgage 7ostatertoe as a eauMod of maU* the Loan and Boaawer was regitlred to make separately paymtsds bpvmtd tba premiums fbr Mortpge lw abw Borm mr dnH pry the peoroiama z to rmdsgdta bkgoso hOOMM6 b ORl44 Or to peovlde a uowTcAwA*il* lore Y0. tmtil Leader's ragrmtmat frlYloeWV hum= en& is awmdmwc wltb any %V t m betwem Bmwwaz 8nd L?der pRailfts liar such t or wM t=abmdm is >egr$rt<d by= Lew. Nothing to this Sockn 10 affds Banvv e s obi to pay intaeat at tike rate provided In tike Nota. lfmtpp hommm raimbmm Lmdw (or a w on* that pmW*m ft Name) for oemm Imm it =Ly iww if Bmmwer does mt reply ft Lom m agreed. Bazmwa ie not a party to the Mmtfgage Insuranoa MOrfgap fttta W avaMete their trial risk m aII vj* iAO am ip f= foot lima to linos, tmd may saner Into agroerogno w)tlt otfttar pm cx 6d atmrs or modit)r their M6 or redwe Imm. These agtosmaou am an t®a and cm that am sawdbCtory to aloe omrfat?tg p itsaM and AkOlhWppasty (Ofpmrdaa) to to Imah p i Wy BMW that tba ma ge m?Y a avRilebta (whfcla may i drab fund duaw d ? MOatM As a zo Of.th= ages, L aft, my pmdwm of the X614 awthw iasurcr. arq nimu , mzW od rr murky, or.ampr 1? Ietp at oy of the ftgptng may zeoslve (dtrectty as itMlit+ Uy) smounts *,at dedw I= (at uV& ba cbm*ckdzod as) a pw icn of BarroV WS paymeftte for Mottgnge bumnce, in a>lo%W foe gaft or motfying the motipp lnsaWs dik or rodtuaeg Imm. If such ageoeatteta patrvidea that an of U de of Lettdotr him a Am of the Imurar's dA in taotl>ange ft a abate of the p paid to tike iPSttnmr, to ammpemaat Is of m tanned "Capfl" nWwa=." Pltrthcr: (a) A? •dt agnmKo r WE ant at14d Os mow* 64 )aaL'mve' ku agreed to lay for Aw Wm 4t Ow and tw waaat a no hatm aye w't?s.t mw Tdka& ?>ftarq I 1105110976 4-e A4jPA)(Mt) PROsofS Fom3eba Uef BK-1930P&4247 tb) Any on& SPVMnb WE mot aetg t rib Bdre+ower lus - If aq - wkh mpeet to tht Issasasea nda flue wf nl?e ?baAd of 3999 or R1?/ otia? law. 't'bae rl?b die rWd to :oadmbk Medwsnw, to rlq?ad sad obtar ammo iaiss at die loponmom to hm do Moire Iaes>tasea b31?aiSated oudaudeft Iwdfor to rewss a raq)l?ottpp iala•raoe P dLot ware ssearowd at the flee d neb asaoe$dt s or 1L Aubmasst at MlraeMsmoll P1"OC &,, Forfaf sun All Wnc dbnww Pnxoeds are Craft aadoW in and dod bs pdd W Leader. If the pegweety is dm ugpd, eaudr 1ViiwAs umn Pcooeeds stall be applW to rdsbmfion or repair of is not lemsetsed. the Prvpaety, if the =atoaati0dl or is econataicaSy feasible and Leader's wca' 17>aiswg such upsir tard>,aeddratloa Lmdt:r a1Shc have the ri&t m hold such miiscellmow Poweds v%ft Lendc a bay bad n to inspect each Promw to am= the wank has bcm completed to )radesN eagim4ianl, that such inpoctim shall bo undeatalwa promptly. Lmdet taay pay for the iopdrs mdut>drft is a ode diabstaeannnt or la a aeries of pvsrose pgmews as @x work is oempbted, UV b mole in Vdit a Applicable Law regUb= Wa'mt to be paid out swh wbwj nwm ProoeodS. I+mder" not be zarfred to pay Borrower wV hated or comings on such ASsw9 omw Pioeeads. If the 1 0n orreparr is not ecaao®tcally fneuble or Latch's so mty would bb ksowd tlto MLodlessa c Pwoomb dM be ap?tieal to tea atv» xcaund by this Security lnshma t, sub &W OF std then ace, 'W& the unarms, if any. Pout OD Bwower. Such Miscellaueoua Roots shell be applied fatha order pvvlded tr in Socton 2. In the eoomt of a dotal taltiap. doMacdoa, or loss in vsme of tho Property, the Misot:ll www Pwcoads scull be "MW to ire s ms saved by dtia Secti ty k*uu cnt, vAmft r or sot thwo due, wltl? ft eso0amr if saw, pfd tD BQU MW. in rho oYplt od' a posdal adds daatnr doq or lose in value of the Pmpert,y in which the fair market valve of ft Hapor'y I , It ,?ty before its parM tdb& da ucdon, or loss in value is equal to or gowdhx am We at>sotmt of fho am =cwod by Us 8etnarlty Iushument >;y Ws rs dha penal takft deswidlm. aT lass bt Vafik udms Balowu W Leader obawise agree is wr bn& the atmas !salad by bis f`aaCt dW buir m cut ft R be teMond by the v noimt of iha Mbodwyevin P,oeeeds by die SiUm mg $Acdow (a) the total mnouat of tba sums scoured fly before rho ibiom? dtao4ttt n, ar lm in value &Mad bly (b) tho fait madoet value of %c Ptup" MaunvuUMV tf?a partW laldoig, dt aq or lass m vslua. A ny balancx shall be Paid to Bomomw. lh tbs avant of a ptfial destrucdan, ar loss in vacua of the Propcdy in which tux fair matimt vabre of ttm Ptaapbty ipmoatdieoaty bdn th6 pardel talde$, deattuat1b; or loss in vabie is leas tbam the amotl of fa am second ply before the partial bl n& deuruct[M or lose in value, unless Bouvwar sad Leader otherwise age in vvrWui , ft bOsaAknecus Proceeds shsu he applied to the sums somard by No t30Gtteigr fushuawd vriww er not to Sams am Wes duos. If the P,aoperly. in afbeodaaed by Borrower, or K Aw notice by Ltmder to Borrower that the IAA sad me) oBma to male an awed to seals a aWm for Hoc damage9, days aft the date the notice is gives. Leudar is atdharizod to collect cod ap* dw Moollow s Proceeds ftw to nSbomflon or tq* of the Piapa W or to rho xwu aoeuad *Of Sww* Ymtrume; , vAm&w or motthm due. "oppodhtg Patty" mews the fled path that a mus Bdrlaw )AmdDenam Proceeds or rho patty argot whom Borrow= bas it d& of action in rgwd tD ladiecdlamoom PWC" .Sommr shall bo in if &V aWQu or proueWb& whir civil or criminal, is begun that, m I,aoda's ja oteast, nodd nadt in fOdbiWW Of 90 PrvpettY or athat amdodal impahweat Of Lgtdaes Irdactat face ttdt Poop" or rim "Odw flea Sealiw Irk Borrower an tuna Such a defarttr aad, if WA61 >latlon Las ooetm, ?o as ptovidod is Salitm 19. by causing to action or poocco ft to be 1105110975 & pAlcawst r.o. to.tte 4,_e Fatm 3039 1107 BI-1930PG4248 dbuduod wlrh a ndmg that, in Lenders judposent, precludes fidubwo of the Property or othar matatial inipAinim of Luxices iwaezbst in ttte Propcvty or d9 is under this Be=* A t. 'rho promds of spy aww+d or daim hr damps thtd sm attrbatabie to the 3mpaameat of Lwdees mtewst in the Prop" are hereby aesigped and abaB be paid to Lendar. All Misod1nowus Ptoomb 9* wo mat applied to restoration or repair of the Ptopeaty da be 12. Bustwo Ii(ot Bakasod; Awbunum My Yamlor Not a WAlver. P.xteasm of the limo 1br pqvmaut at nwMcadw of aomilastion tittle arses seeeaod by 46 $„cty h utmot Wanted by Deader to Borrower or ate' &rcCO4sor m Tensest of Borrower"not armste to relem the liability of Baatvwel Z erty succesSOtm In tfgtemat of Bomm r. Leatdet shall not be rcquhed to = =w p vccediags sgsinst ; Soupow in lco:nt of BonONtaec ar to Mf w to Wood teepee far or otherwise modify smottin*m of tbo stars sewedby this gems* lu ttm att by rewon of any?nd rnsda by the miguml Bwwww or atgr Succomou in bic e d . Azy.Submance by Leader in exacttng KW fht or mckdwic wimoat Shoes m Imerwt of Ba vwor or in p them duo, &H mot or pseeinde the eradn of sW teat or reawl . 13. AN wd 6t nod WNRY! OoflpaM b oMmors W Auto Romsa. Borrower coveaants sad eS= that Bouvet % ab adatas sad li Wk ah+tli bo joint aad wfomt. RawrieG aay Bormm vft cx u this Bee EDY tnstftsunnt but does not execute the Note (a -cod acr-T. (a) is co-aigt bW this Sec* laetrvmcd ugly to maf me. pmt and coeavey the eoa pees ktaoat in tbo pmp%ty under Ue term of *b peaaity (b) not pettonslly obligated I PW I mw sacurod by this Soawity fasdrtuom>; and.fo) that mad Ww other BOROW can agmo to tiftA modify, sxbw or S ma with regrad to the tMm of this Security i at ftm Nett withma the W44OW =sea agdoct to the P MM= of Section 18, aw successes in insaw of Bow= who a83pe]Ca Baslriw&$ under t]tis SocW#y It Mms t in VV[lft and is approved by Lender, abaft obtain all of Bomwartl doft and bad b Wft this 1§01 ft fns Mnc tt. Borrower ft ft not be Mused from 9offv%ar's obliphow and l6tbt!iey under this Security instrts rubes Lander WON 10 such rstease in writing. 7ba wVo mW Od aV=c to of thin Soccaity instn== shat! bind (=cpt as pguAdod in asthma M) nod b=& rho suooensoes acrd awe ps ofi endw. id. iia.n C%sW ss, Lender may ;hap Bwmm fees for msnricep pw&mSd in o=wdmt with BaMM12% dt stir ft ptspose of protK*g Leardds ?u0eeest in the property and O&W lmdw this 8 ou t y b steetJSfed, iochtdiag, but scot ' Oo, M moyst rhea, pn mspecdou and %%IuWm foes, in 2mgard to =7 arbor foes, lira abserroa of ? s» ffimity in Us Seamy r to charge a mpocifie foe w Bmoww shall not bo oosedued as A prohtbitlon oa"cltargigg of Such See. Loader mtq not charge iii are acpSaalayi by this Security rn*umad or by A??lipslpte Iaw. Ifttitm Lola its to a 4w which Eels ms thrum lose dim P14 OW that law is fin* lmtacpeled so that the hftad or other loan cf6agm co acted or to be Collected mgt oaamem*n with &a Loan exceed the r? Soft ppesmbd?toda)!sa WW Mchap ftU be mhmd = shw* ppiloeted fi m F1oam a wMsh exooedod? P titans wM be ngmded to Bon+ow. Leader MY C130M to maloo ft nftpA by redttpttlg the ?dpsi awed mtdar the Ida or by mftg a deed Mm ed to Bom ms: if a n and res&= priaalprd, the redaction v M W boatiod as a pu id ptepymuart without any prgaymaat edwgc ((whet= or not a IVIED, lek drags is povidcd for uxkr ftta Noto? Boavwces woeptmtm of ay mxh eoUmd msdo by ddMW w>it Coasgtuta a weivrr ot'enty right of Aotion Bmrawear taught have prising out IS NOOM All nc*w given by Bonower or Lender in oom>bd m 'with ft Security lnmumeot tram be in wri& Amy awco to Bom wtr is =moon with this 3e=ity fa4trem ant stall be domm to 1105110975 \ A C "74W. PIP Palo it of to Fong 3031 1104 8K-1930PG424'9 hm bean sWon to Bummer when mailed by first class mall or wbea acuualiy dc&cmd to Borovnes nouns add= itseat by odic means. XWce to sty erne Bosawor A& com tutt notice to an Bonumm umlcm Appllcd* ZoW Y tr)gt> = otherwise. The notice xkh"s shall be the AM" VQI= Bmum bas dwlgmmcd a sabatihtto notice address by notice to Lender. BorrowsHpr+cesptly BUOY I.amder of Boltowea's age of addnm, If Leader epwifias a procedure far ropm ttug Aoaowees chm p of sdderaa, *a Bomrowea; PW only report a dmn p of add mm ttmq* that specked per. 'lira mW to ache am dcAnumed notice address tinder this Serially hawment at &W one time. Any nelloa to i<rI>ds "be guns by delivmng b or fry mailing h by find etas+ matt tD Lankr'a addueas aided hman anlesa Lantdar has de?tdad moduer address by notion to 13orr w Arty matim m aoom Kft v ft 11tds Soa>zrty Ia MM= t dMA not be deamod to bon bons given to Lender unto m*Wly mWMA by 14=.. If zz y nafm n)quu W by 9th Sammy mating M i3 also mDfircd under A cable Lana; dw AN&ebly Law rogtmcmemt will Satisfy the evn eg Muamnea under im-Secmify B*humcnL IWL Gftouhg 14M *MMbMtyl Ida of Cadmdlm6 TWs Saauity Its? zjmU be go mml by fiedaal law and the law of 8to jmildiction in which the Property is located. Ait riom and obliRN&-cg aonpdnod in lids Iuustrtaaravt me subject to my rkgtdna xnW and fimipations of cWW I'aw =tller? bAph1e?11 0 U a r allow rho pectins to agxee by omtmd ft or be combead proln'b4liai ageinrt agooaneai by randritct, in the avant tlut soy protisicm or clause of ihis Secudty Iastmmeaot or me Kwo ooWlids with Applimblo Iaw. =6 owlet dnll not aflibct other PVYWom of this Sec aft ImU mtear or the Nde wbkb can be SIVOR Am WADW do Provilloo. As mcd in lido Sam (a) wady of the mesmAw, gooder stroll mean and include woes on wank of firo feminine gmow, (b) wards is the singular shall mean sad sue. iWOn. d Vroe vase. and (o) the: wad "nay" gives ado d?pon wan any ot)i*Lgm to taloe an IT. lbofomm's C*g6 Bmmw ftH be grim om copy ofihe Nofe amd of this Secark toshmcmt. 1iL TiaYtor gt t1tM9I'rueptlttl,T eor a BwsBeW Irtprnt b . Aa vsod in tills socliaa l$, 'Idemt in do Pt+opeety" maem say I-d or boda&W inmuest in 0* aeficiat inmrspc transferr is a bond for do4 cantuaot ft Pzopmty but cot ]limned TN tltooe be ed deed, idstallmnat Was caumCk or c3mm agtmmmo, the latest oX wLklt is rho trmusfht of title by Ba m wa at 4 ft>ttrra date to a purchm m. Wall err any pert oftluo Pmpcdy or any Iuhrost int m Prop" is sold or Umfoned (or ifBotsower is cot s ndmal person and a beeeBe d iuderM in Borrows is sold or bnnGfenod) Widmut Land&% prior wrdfea consent, I.anda may roqulno ima?ats peymoua in fhli of all Prins smo iul by this Sam* l ):Ioseaw, this option shall not be emummW by Lamdcr if such w= w is prohibited by AFpft" Um, Leader ertAohm I6a opduga Leader &UK Siva Borrower notice of aoodarWoe. ih* notice tthali p wAft a pc&d of!not ho flan 30 days fmmt the dsto the notion is Om im wxmdmm vA* Sedlol 15 vv? vM* Bwowerr mast pay A sums mcmad by ibis Seprrigr Ittdcmadtt If Boaower fails to ploy thew game P ft 1D to Owbacn at this paiod. Leader racy Woow my remedies permitted by this Beaatibrluuedmsuatwidroatfnrt armuftordemttadonBanovrat. !g. Aetmwu k iliW to AdIb b Afkr Aeabrabi . if Hal wor marts certain couddam, Iioaawor dog ben ft xWt to bm mt mumw of ibis SooMly hsh moor #6cm&wd at any time prior 10 $to a milcm od; (a) Asia toys botbm solo of tbo Propaty pinomlt to any ptpwor of aa]e CmW odi in this 5om t,Y lbWmoeug (b) such value pudod u1 Woboe Law might gmcFy fhr the ftmhmdcn of Bocta AeS gilt to UhShft ea (a) N ft of a )h%Mft egg mis y Instrunmaat. 7bM eeau8t M an 1W Bmvwa: (a) pays Lutdor Ili sums which then would be due under this smugly Insntrmetlt and the Nato as id uo AOoCladlea led mat* (b) am any default of mry other mm ma or 2105110975 x?uut I? 4"r*f (UU) ryv ?s vna Fa- 7439 4101 RK 1.9-30PG42 0 sgu mseb; (a;) pp all iacauncd in mfmmg this Secm* Imo, inoludmg, bait M OMW its r asmahls &*=*W fees, limy WVecOw and valuation fete, and odw fops Immed for ft p upose of prnb ft Landac t mkr tt k ba Property ad tights under ft SewdW In* mc&, and (d) tastes uaxh oadw mm Lrader MMY iy t qWw to assure that Laden i0mot in the PmpaW and uoda this Seaoity Instt ==4 and Bon caves obligation to pay the sums seethed by fhia Se= q ItAmmad, shall c oadmoe tmc7fOPd. L oft may room that Bom*& pq each nanswem"t avma and tat we or mono of the fadiawkW fmos, as w1ccod by LaAcc. (a) a* (b) mosey aide; (e) = die X bsmk dM* uvouca'a check or atabwe cbecly provided a W such dmk is drawn qm an matbdw vAioae depoah a* im caul by a Moral age,xty, inatnanetaatity at askty; or (d) Efwh+onla pw ds 'Dwdec Upon taiaet t by Hoorn M. ibis Sacuaty k* meat aW abllguffm ammul hereby am remok r eHa cm ss if to acwlwadoat bad oommv& Eb wvww, ibis rtgltt to rdwmte si>pIl vot Ofaccclaildm taodeSodlonI8. . 2L Brie of Xoeba tL9aattpe stLwx Sestiksri Nafte of Grimm a Tbo Note w o partial btsucat in ft Nana (j0gotbtr with dg& SOCt W h0bunw) ran be saki am or Moro draws v aura prior ndce 10 Barawer. A oak might tank in a+ dam Sc in the codify (imown as ft "Loan Smcvioem that col WN Pedodk Paymeaft 4w under Ow Note and this S wookWty bstramant and performs atria mutt W Ioen atavlciag o6ligaliooa nutter do N^ this 8wzley bskummuk and Appffaable Law. Tba w also might be oats ar mace d aaf rho Loco Servlo+er ammmlabed to a sale of the Nob. If these is a doW of the Loan seviaer, Boa wee viM be gm vwitmn at dw of the dump which will male the name and addven of We new Lana Savlar, dw address to vdh & payment should be made and arty odd bdx msdm RMA x%pka in cuoudim with a mfm of mmsfer of mrviadgg. If the Nets is acid sad ter Wo Luau is arrviced by a Low Seavtoor other Wets the of ft Notes tha maa%W Iona servicing obliged ass m Haffivwee vtd11 scream v bh doe Loan Sa?vroq or be ftusf td to a stCocew Lam Sanvicer and airs not aaga ed by ft Now pmubaw uslew oberw n p wAftd by the Nagle ptahswr Ndlew Boclma w our Lrader MW , jo, or be j*bW to aqy judicial actin (as either an havWol B*w t at toe member of a doss) that arbes ftow the odw patty's actions ptewa tt to itch San* 7a1rumus or to eq" Wet the o&w patty bee beewAved any p vVWOu of, w any dtdy owed by rr:A m d. flats Soon* h*wwK uM earth go mover asr Lender Ins tt Med to other patty (with such Arica Shu is oamop with the aainsutemts of SaXon 15) of vxh Wlcpd k"* and.at`Iatled the voter. party boa w a t>7aNmh b tyo attar dw git of saoh Waco to tab o ve scam If AppLlcabta? Taw Wm4dw a tams period whkb mtt el" bttote catak adios an be ialem, that time pwm will be &wW in be remonth fur ptuposes of this aaph IU wilco of soochrdw and oppmumily to an Sim to Banawar paasuaod to Section 22 and the notice of ecodc a m given io Hmaw?er pUl uaaat to Section 18 shalt be dopmod to satisfy dto notice and opp utuntty to talcs coxcohve nation ptadt w of fhb Sodiott 20. 2L Hose Ww Sabalttum As used k this Section 21: (a) "Hwalow Sub duatW to ft w sobttgaxm dcffmd as boater or bun dow xwx4 p0l Awd% or wous by Vad maaesdal Low and the thUOWEX Nut =wc Swaliag hwaa wk athce &Mut bb or Iwo petnoleum po&%;te, um p stiddes arras htdw:104 vold& xdvo* watata mb camismg asbestos or fonaddei yi* and xadimon metemis; (b) 'Rwao®ealal I8W" mom t kws and lava of dm jurlsdiA=wbere tbar Property is located that Mew to boOk MOW at aadmesumW protection; (a) TuviratsmmW acsW Wudw 4my mpm m acdo% w aedtel atdeoo, or vmwvd a fin as dcffwal in BovkamaoW Lane; and (d) an 9hr&owzwd (bgdrt MO maces a can"M *# ven 0. ecvstdbtm UN of o6wvviee UWer an Fnvitoamr oil clulnuA 1105110975 ?K-l Ac, aHwa,:? WWARPSM PA14, t0 of is Form 3039 1101 ON-1 93•OP64.25 t Bamaww shall not caws ar permit the trace, uso, or zelease of my Hamadous 4hpQs moos, Cr finattm to mlm>a soD?Bazp?? 8ubetmoes, an or ? t?. 8oavwvr ebaU not do, car atlowtr anY elan ID dq, aoyftimg k C itiaq o the PtoperRy 0(0 d1d is In vfoledon of any F avirmMea t Law, (b) wYch eteames an F?tVlia r p r blr (c) WTdck doo to the p msmmm. nee, or releme o[ a Hda titDbomoces o epees a omfidw tut wheis* daces thp vdlpe CC the Pwpedy. Tha iva Ebzmkm Ito S es flint n o We I to be d an the of maII ti'do of 4 p^b to ? >asdda4W usm sad to e Bt10p6J?y mhmbe? dd to, batardame aebmtdaoem in comp "ptvd l* Boaowm ahaII promptly g?rre I.rso IM watfea mom of (a) aty kvudoxdo% clean, demand, htwsojt at 0OW Hmn*w >t oeo& by MW a l ko Iaw o v??? 5as l w1? (ab) any aW >havhumnmbl Caoboaf. lacladotg brd zwtlballod bq ??dq4tyy mpglieg, kdda& dimcbargs, rdleama or twat of seta d detm find (a) +nY oonditioat aumetl by the pn9emoe; tae oz xdeaee of a 1utdoaa 8u?edsjtoe which a?oCta tie valor of ibe)vpee?y. If Bom+awer loetna, nr to mo" by any atz#homity, or aop+ private Ply, that tewovat or other ze;mesliatFaa of Stithist?oo ? ffic Anpeaty is ?g4asesry, Baas shall ptoanptty 1,a1oe ai[ nocaaaocy etadledia] aetlaom in aoeioadow 13ssvitoaffim,dal Law. Nis herein almll cram any vblig?ptiaa on Lom at AnBrkv3tpatoesdal CW=]P. IC>+ d QOYSNANrB. $oaowet aad Loatdor pathw owcomt and them as follows: 2L IlAmdw IW Ike made to llorrvpvtpKW to aecob radw lmtl >tadttlffR'e 6twet of sla4 =WE". oar arMalat hi tiia Seeaft brmmmat WK WA Per as bnft tumor SWIletl 18 >rmttloi KAW ' P UPMU er-Mwp Iwaier A4 Ilaaa r or, MYe ?Ypt ?a)1ieaDo* b) as now z? to ewe the sl ? (0) ? as id" i ? earei; tmli ((ddb) fTad sairs to q?on tie pa.. atooMtaMint dtt4 psa eoaagd aan y ttl is Poawiae by dad aaii d . Ix?int 1ria1>1 ape Wirstte & to madififtl ad _ im of is 66 .11 , Iq mw 0 tiro aowama ?!' aoydm?o >W at M ttattta mmeQad i? t L t4ltellrr tlinattad sad aaq ? btabsat ,jts?irl ?qcw M ea & to allu t Mhm s"d 1o punbs be mgeiM pa+a?fid kabi 22, ?Mt taot llbstlled tidy atlomsaya' flea sad comb of mb -,-- ee to the a im" paraemd by >Lr? U Itoldaaa Upm p_qm m of all sums mxuvd by thia S mWV ksbu tort, thin Secuoity sad the ettttOr eomrpeyW abaft temmbob and becane void. After such am m xxk LaWw sbaU kftmum axl mah* on Iail[Maak 13artVM aball recotdaoi+an costs. Lamer may Gbsege Hawwpdr a tda he tlda Semtw Taus; buf zy iftbo foo is pueid to a timed per u ecivioes zsmslomd ud tbo s?sngttrg the ibo Ia patmhpod under AppJisxhle Law. u. WoiMa. 8oaroaee logo aaabaot petmitfod by Aypliaable Ysw, waives awl mleaees aqy eavr or dg sta" km fecm sA(aneoodoggo Y aaf oo ibis Secm* hftwtnsalt told hmby waives the bkc& of any passel or bofaeetptdI ? sw Of tMiaa?. attentdan of ditto, exempttce from attarbweat, kvy and alq. ham Ztlauvoaat'e tune to eriBMM Wpra*W Y SaWm 19 d4 aftd to one bitft at a doffs ule or Aw tale p mnmd to this Stxdtsity beftakolL SL eiaoe l+fio" >IfoatPttts If ray of the debt secWrod g this Sowaityr 7ns{nm,e? is ka to Bamzvraer to aosPtbe title to the Ftnpayy thlm Secuk lnmt wncmt mhmll be a pxdm mosey ato "r. ". TRblrat>grie be - gttpvye? that Si te rate payat,?e d tar a?udWmwt b i a Nate at in Im atdlw of muattgaSe i6eeelaan?e mhali be tho rate payable Am ttmda to dime 1106110975 k Lift 5?4? Oft-WPA)toeou P•o•,?a,e Fan.aeas lr01 OR t 9 3DP6 4 252 BY SI NM BEWW. wao m. eccep" mg 8PW 10 the tmm and aov<swts conWnW in this Se=iv I *wnc t anti in m4Y Ride emmftd by D ower sad 1eeomded with it (SW) -Swrower (W -Bomowa Kevln A Cooper () -Borrower (Saul) -Bomowor (&d) -Hormwer 6ee1 >3nrrower (9eai) •Hotrawcr 1105110975 GVW.A)INN) veN u.ris Form BODY 9101 09- 1.930.1%4253 COMMMOOMMIKOMMMUMA, Cmtbis ft 23rd dayof September, 2005 tmdff3WAdoffi4MP=oaaWappeared Kevin A Cooper CMIY o: , before me, the Mdahow y Pte) to bo the paraa*) whose namely) blare sabstsibod to the WMnknam to me (or 3ne? OW aclo m*dged that BrJahoVW =mod the same for the pucposa heroin cwWuoc , 1N WITNM WFiI> WF, I hMmto set ray hand end fliuW seal. My Co mufi=Im hrs. i a(l4(o` Wa1s18t?1 Mna(+?+?t+1?1?PulNc 1yd?nN??ppL ?90b8 I•?.? « 'nUe of Offiftr C rddcm q Gf Rcd&m= I. Co wKi0., S4.aae tLe oo?ot address of"Wit&i=W MoMaaw Is P.O. Box 2026, phut, M[ 48501-202bmeby 6. ?y Out Wft m mpr band tbla 23rd 1205110975 . . t?iAlM)toeo:i dqof September, 2005 Agent of Mortgagee M,A? AC pWsta84 to ? Fa m 307* itat K-11. 930- .aSh PMATAMT-AMM IV" %TPWMtat RtdtJS made Wl 231d day of Sgdembr, 2ADS add it 160"w 6d h& aod AaUbedeaudtoatatodtetdmpplan doMaUPADMdOfTru tatSeea*DeadOha"Smt*bA mtmd") ddam- =1 San Bard* ?modefnsoed (tb %wowm ) tp eoaoe t3wmwar%Nom (the -Mm-) h AptoIDl p L 4S.1 ($e "1¢dur`) odd +rmo dab? eqd porRiga a de?tbed in the Seauiq fntttmnont and located At 745 vla ohms Hpaao R- Sou k ji e¢ rntr Y VANR tMS CwAbt lend (OA whopmtr"). AddYfwd C"*mmm Noiwit *mf-g a$ft to me;mgwy at forth in tba NOW ar S=ntyla,t M HtnpwateodLwalrr>aadag?sn$gppy; Boaawebas thexWdta meleepymmb of prioa* atarty tits bafots they art: &m Apsymmt ofptmoipd aaly $ im mNn as a'}aepiymu=t• AAM papayt is u pacpty=Mt of ttto aUae tmpaid pr lC pet due =,kw theWOW- Apaym-l ofa* atof&0=ViddFkcWLlatowawa'pattialptepayataot,• Dwahmf03Wbad* pgAee+sNptds4datatgtlesbefatrt WAN&L7bmma,tof R?t?ltfsrt>b'lr>ta?sminnttpmlpint?! iPi?pttYloYaattio•a?MMf,)D'Wi1tA04StMltoW Nlliria,MayY?tLtLiYsiallfan+leM=IS.1t;wilfit tia thtAtMeletls>bYoalei Iro date oltbsIfWc as ifiMlteeolyrLa6ao.witll9Ps Edam hXpggowd wpetiidpVgmga%Z/Wewftiat aoaama 1? plpbfisltaYHaiirapetpgaot td?gs 1L pwli4?f tiatpt/fd b egsrHo tilaoftMa iieMaasilmrttarlltsatrMetQrqlhNO'M?ttN41t1rMa a+iMl b atl allot t>? p?1d d? tleitptsa(rl?t•? p?foiprresiYgelt dabatairpt+payata.ft,dpp?e lM4t>gitnattttl'1KL) eftle s3?baa ytrta}.l..sta?t ar tle xabe. No P%Nruw penalty will bg atewad for anyp epeym mI mR le ad a the Utot 60 menthe of lho Tote temt. By 818ftbdum Bonvtt uceptr and agrm to the hams eed coven" txotahtod Ia ft Aepftymmt kids. A Cooper tl9mti2/ 9!ltsIDt?Kl [19fARn([00)B n+?Rrfi 914913ON425.5 C-n pqs I qr! (saa13 t.oattNmba . 11031 ro97s XXI33= "A" =,1M IM 1.1m i AM ='SL4 CERU= tract or partial of land 1coatad i s Monroe Raiwaship, Casbsrlasd Ccaenty, Ra asylvsaia, bo=ded and ears partiaalasly disetcr3bedc San the VA n-1 Mine Sabdivision Dian for gbcae4aa Scott hubsr anal Xwen R. 1 &ft and RspaOrid S. Di.eb1 and Genwrieft A. Dill, propa"d by Stmven G. Piaber, 9swfessional Land 8tzveyor, 4ftted October 20, 1995, swwl"d Nawa bex 20, 1995,. and recasded on ft=mdm r 6, 1995 is the 0 MAn of the Rsoorder of Deeds of CtallevIoA County, Pennsylva"a, in Kan nook 71, psge 49, as follow#, to wits - at an Laou pia in the oaittar of Legislative Route 21028, knomm as Old Stan! Souse.9aad, baeb een Lot No. 3 and Lot No. 2 of the Ob- W- plan: tbatwo thzoogh the center of said road, zoath 05 degsOs, 15 minutes 00 ssoeeOds .Wiest a list antis of 266.00 9"t to an icon pin: t mmUm North 86 de9zeaa, 65 mimatss 00 sooomAs zest a distance of 230.00 feet to an iron pin, theetae South 05 Iimy -- , 15 minutes 00 seconds Bast a distance of 226.61 feet to an Isom pin: tbea" South 79 degrees, 55 minutes, 53 seconds West a distande of 230.82 feat to an iron Dig, the saint and ulnas et COI11 1?G a gross aroa of 54, 351.05 sgoaza feat of which 7,342.91 sgatt foot are within the dedicated right of way, leaving a not aria of 47,008.14 square fast. 8avs10 '!"Ill S MUCUM as two story frow dmlliw. 39M Lot me. 2 as shown and described in the 1Haal Wilaor asbdivi.sLM Plan for 2U Mau Scott W *baz and Laren R. Weber and Rajawmd Z.- MAU and Oenerv"Ve A. Diehl, pxepazsd by Sts+veo 9. WLWM>c, Profsarsinmsl Lead Snrveyox, dated Oataber 20, 1995, revised =a"Ober 30,1995, and recorded Deamber 0, 1995 in the office of the XaC *zdsr of Deeds of Lbnbsrlaad Co=ty, Pwasrlvania, in Plan Hoot 71, ft" 69. =L71L'=, ROMMM, to sash •as M*Ats, z+astriationa at d csaaditions that MW qV1s to tba afors-dsscribed tract of land worded ax das+woaae?ded. MUM Wink 22-10.-0660-079 1 Certify this to be recorded to Cumberland County PA W-530 X256 Recorder of Deeds • Date: `? I? r (? A.H. Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Kevin Cooper and A.H. Cooper PROPERTY ADDRESS: 245 Old Stone House Road S., Mechanicsburg, PA 17055 LOAN ACCT. NO.: 9000415342 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC CURRENT LENDER/SERVICER: Everhome Mortgage Company LAW FIRM FILE NO.: 08-034125 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY- THREE (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your.intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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. f you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: August 1, 2008 to December 1, 2008 @ $1,131.76 = $5,658.80 Other charges (explain/itemize): Late Charges: August 16, 2008 to December 16, 2008 @ _ $45.53 $227.65 Inspection Fees: _ $40.50 TOTAL AMOUNT PAST DUE: _ $5,926.95 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5,926.95, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Everhome Mortgage Company c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage- debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance.and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do sob a in the total amount then past due lus an late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and an other costs connected with the Sheriffs Sale asspecified in writin b the lender and b erformin an other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately ?3 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or - 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 ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date: ?l Kevin Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on our home is in default and the lender intends to foreclose. Specific information about the nature of the default is rovided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to help save your home. This notice explains how the program works To see if HEMAP can hel YOU must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name address and hone number of Consumer Credit Counselin A encies serving your Countv are listed at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Kevin Cooper and A.H. Cooper PROPERTY ADDRESS: 245 Old Stone House Road S., Mechanicsburg, PA 17055 LOAN ACCT. NO.: 9000415342 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC CURRENT LENDER/SERVICER: Everhome Mortgage Company LAW FIRM FILE NO.: 08-034125 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY- THREE (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the count in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YO U HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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 ou have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date. NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: August 1, 2008 to December 1, 2008 @ $1,131.76 = $5,658.80 Other charges (explain/itemize): Late Charges: August 16, 2008 to December 16, 2008 @ _ $45.53 $227.65 Inspection Fees: _ $40.50 TOTAL AMOUNT PAST DUE: _ $5,926.95 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5,926.95, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Everhome Mortgage Company c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged proper. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys; but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to Day attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default to the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 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 lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ 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 ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 HSBC Bank USA, as Trustee for OMAC 2005-5 v. Kevin Cooper and A.H. Cooper VERIFICATION The undersigned is Kellie ROhling of Everhome Mortgage Company on behalf of HSBC Bank USA, as Trustee for OMAC 2005-5 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. Everhome Mortgage Company on behalf of HSBC Bank USA, as Trustee for OMAC 2005-5 Date: ?/,? k Name: KELLIE ROHLIN Title: Vice Presider, Company: Loan:9000415342 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff v KEVIN COOPER 245 Old Stone House Road. South Mechanicsburg, PA 17055 A.H. COOPER 245 Old Stone House Road South Mechanicsburg, PA 17055, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO. 09=757 : CIVIL ACTION-FORECLOSURE ANSWER AND NOW, comes A.H. Cooper, by and through her attorney, Richard Koch, and avers the following: 1. (a) A.H. Cooper is not a party to the mortgage at issue. She is not listed as a borrower on the first page of Plaintiffs Exhibit A, nor is her signature attested to by a notary in the same Exhibit. She is not a party to the mortgage at issue under the standards outlined in 21 P.S. §444, which sets forth the requirements for a validly recorded deed in the state of Pennsylvania. As the statute states, any deed not in compliance with its requirements is to be adjudged "fraudulent and void" and obviously unenforceable.' (b) Admitted, to the best of A.H. Cooper's knowledge and belief. (c) Admitted, to the best of A.H. Cooper's knowledge and belief. (d) Admitted, to the best of A.H. Cooper's knowledge and belief. 2. Admitted, to the best of A. H. Cooper's knowledge and belief. 3. Admitted, to the best of A.H. Cooper's knowledge and belief. 4. Admitted in part, irrelevant in part. Defendant Kevin Cooper's address is as shown. A.H. Cooper is not a legitimate defendant and therefore her address is irrelevant. E X4 .b 1 IT"s 5. Admitted in part, denied in part. Defendant Kevin Cooper is Mortgagor and/or Real Owner. A.H. Cooper is neither. 6. Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue, and therefore is without knowledge as to the state of its performance. 7. Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue. 8. Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue, and is therefore without knowledge of the Plaintiffs future costs. 9. Neither admitted nor denied. A.H. Cooper is not cognizant of the terms of the mortgage documents. 10. Admitted in part, irrelevant in part. Defendant Kevin Cooper's received the stated notice. A.H. Cooper is not a legitimate defendant and therefore her receipt of the stated notice is irrelevant. WHEREFORE, A.H. Cooper requests this Court to dismiss the Complaint as fraudulent and void, or alternatively, remove her as a defendant in this suit, or alternatively, require the plaintiff to amend the complaint without A. H. Cooper as a Defendant. JVJ A rtlh 3,100 9 Date f Respectfully Submitted, C /)0Y R aid Koch, squire Law Offices of Richard Koch 710 South Market Street Mechanicsburg, PA 17055 CERTIFICATE OF SERVICE I hereby certify that I served a true and correct copy of the Answer of A.H. Cooper in case 09-757, upon the plaintiff, by depositing same in the United States Mail, first class mail, postage prepaid, on the 13th day of March 2009, from Mechanicsburg; Pennsylvania, addressed as follows: llana Zion, Esquire Shapiro & Denardo, LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19046 RESPECTFULLY SUBMITTED, ichard Koch, Esquire 101 South Market Street Mechanicsburg, PA 17055 (717) 691-1882 I D# 92956 HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY v KEVIN COOPER 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. COOPER 245 Old Stone House Road South Mechanicsburg, PA 17055, Defendants NO. 09-757 CIVIL ACTION-FORECLOSURE ORDER AND NOW, this day of , 2009, after consideration of A.H. Cooper's Answer to the Complaint of HSBC Bank USA, as Trustee for OMAC 2005- 5, the Complaint is dismissed. J. IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff, V. NO: 09-757-CIVIL TERM Kevin Cooper and A.H. Cooper, Defendants. BRIEF IN SUPPORT OF MOTION OF PLAINTIFF, HSBC BANK USA, AS TRUSTEE FOR OMAC 2005-5, FOR SUMMARY JUDGMENT SHAPIRO & DENARDO, LLC BY: Michael J. Clark, Esquire ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-034125 I. STATEMENT OF FACTS AND PROCEDURAL HISTORY On or about September 23, 2005, Defendant, Kevin A. Cooper, borrowed the principal sum of $178,400.00 from Mortgage Electronic Registration Systems, Inc., as nominee for Opteum Financial Services, LLC ("MERS"), as evidenced by his promissory note ("Note"). See Ex. "A." In order to secure Defendant Kevin A. Cooper's obligations under the Note, both he and his wife, Defendant A.H. Cooper (hereinafter "Defendant A.H."), executed a purchase money mortgage on the same date ("Mortgage") describing and encumbering certain real property located at 245 Old Stone House Road S., Mechanicsburg, PA 17055 ("Mortgaged Property"). See Ex. "B." The Mortgage was subsequently assigned to Plaintiff. See Ex. "C." Pursuant to Paragraph 1 of the Mortgage, the Defendants are unconditionally obligated to make their monthly mortgage payments to MERS, its successors and/or assigns, such as Plaintiff. According to the Affidavit of Kellie Rohling, Plaintiff s representative, the Defendants have not made a single monthly mortgage payment in over ten (10) months. See Ex. "D," at ¶9. Defendants' chronic failure to make their mortgage payments constitute defaults under Paragraph 1 of the Mortgage and Paragraph 6(B) of the Note. See Exs. "A" and "B." Plaintiff provided Defendants with an Act 91 Notice on December 31, 2008, pursuant to Paragraph 21 of the Mortgage, 41 Pa. C.S. §403, and 35 Pa. C.S. §1680.402c. Id. See also, Pl.'s Compl., Ex. "C." Because Defendants failed to cure the default within thirty (30) days of the date of the Act 91 Notice, the Plaintiff properly commenced an action in foreclosure pursuant to Paragraph 21 of the Mortgage and Pa.R.C.P. 1142 et seq. As of this date, Defendant Kevin Cooper has failed to file any response whatsoever to Plaintiff s Complaint. On or about March 13, 2009, Defendant A. H. filed an Answer to Plaintiffs Complaint. See Ex. "F." The pleadings are closed and Plaintiff filed this Motion for Summary Judgment. f a II. STATEMENT OF THE QUESTION INVOLVED Is the Plaintiff, in an action for mortgage foreclosure, entitled to summary judgment where there are no material facts in dispute and where there is no evidence of a prima facie defense? Suggested Answer: Yes. III. ARGUMENT A. Standard For Granting Summary Judgment Summary judgment is governed by Rule 103 5.2, which provides, in pertinent part: After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment in whole or in part as a matter of law (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. (2) if, after completion of discovery relevant to the motion, including the production of expert reports, an adverse party who will bear the burden of proof at trial has failed to produce evidence of facts essential to the cause of action or defense which in a jury trial would require the issue to be submitted to a jury. Pa. R.C.P. No. 1035.2. The Pennsylvania Supreme Court provided guidance as to this standard in Ertel v. Patriot News Co., 544 Pa. 93, 674 A.2d 1038 (1996). The court accepted the standard of review in motions for summary judgment as established by the United States Supreme Court in Celotex Corp. v. Catrett, 477 U.S. 317 (1986), and Anderson v. Liberty Lobby, 477 U.S. 242 (1986). In these decisions, the Supreme Court stated a non-moving party on a motion for summary judgment must produce sufficient evidence on an issue essential to its case and on which he bears the burden of proof such that a jury could return a verdict in his favor. The Pennsylvania At V Supreme Court in Ertel specifically stated this standard is consistent with Rule 1035. Ertel at 101, 674 A.2d at 1042. According to the rules of procedure, summary judgment is properly granted where the pleadings, depositions, answers to interrogatories, admissions on file, together with affidavits show "there is no genuine issue of any material fact as to a necessary element of the cause of action." Pa. R.C.P. No. 1035.2; see also, Marks v. Tasman and Benson, 527 Pa. 132, 589 A.2d 205 (1991); Citicorp Mortgage Inc. v Morrisville Hampton Village realty Limited Partnership, 443 Pa. Super. 595, 662 A.2d 1120 (1995). Plaintiff has the burden of demonstrating there is no genuine issue of material fact. Hower v. Whitmark Assoc., 371 Pa. Super.443, 381 A.2d 524 (1988); Carollo v. 48 Insulation Inc., 252 Pa. Super. 422, 381 A.2d 990 (1977). Once such a showing is made, summary judgment is appropriate if an adverse party is unable to come forward with probative evidence demonstrating it is not liable to Plaintiff. Phaff v. Gerner, 541 Pa. 146, 303 A.2d 826 (1973). When the moving party makes out a case for summary judgment, the adverse party may not claim that the averments of his pleading alone are sufficient to raise a genuine issue of fact so as to defeat the motion. The adverse party must set forth specific facts showing there is a genuine issue of fact for trial. Id. See also, Pape v. Smith, 227 Pa. 80, 323 A.2d 856 (1974); Amabile v. Auto Kleen Car Wash, 249 Pa. 240, 376 A.2d 247 (1977). B. Defendant A.H.'s Answer Fails to Raise a Genuine Issue of Material Fact In this matter, Plaintiff respectfully submits the pleadings and exhibits conclusively establish the material facts are undisputed and, therefore, there is no issue for disposition by the finder of fact. The material facts in this mortgage foreclosure matter are: (1) Defendant A.H.'s obligation to the Plaintiff, (2) Defendant A.H.'s failure to pay the monthly installments of 4 A. principal and interest according to the terms of the Mortgage and Note; and (3) the total amounts due to Plaintiff for Defendant A.H.'s failure to pay the monthly mortgage payments. 1. Defendant A.H.'s Obligation to Plaintiff Paragraph 1(a) of Plaintiff's Complaint properly sets forth the parties to the Mortgage. See Ex. "E." See also, Ex. "B." The parties to the Mortgage were MERS, the mortgagee, and both of the Defendants, the mortgagors. See Ex. "B." Furthermore, Defendant A.H. initialed the bottom of every single page of the Mortgage and she also placed her full and witnessed signature on page fifteen (15). Id. Despite her unsupported allegation that she "is not a party to the mortgage at issue [...]." the facts show otherwise. See Ex. "F," at ¶1(a). Moreover, MERS subsequently assigned the Mortgage to Plaintiff by written assignment, dated December 19, 2008, which Assignment Defendant A.H. readily concedes establishes that Plaintiff is the current holder of the Mortgage. See Ex. "C." See also Ex. "F," at ¶2. Since the Assignment was executed in favor of Plaintiff, Defendant A.H. is obligated to Plaintiff under the terms and conditions on the Mortgage she signed and initialed numerous times. 2. Defendant A.H.'s Default Paragraph 6 of Plaintiff's Complaint sets forth the Defendants' default as follows: "The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 2008 and have not been paid [... ]." See Ex. "E." Defendant A. H.'s response is as follows: "Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue, and therefore is without knowledge as to the state of its performance." See Ex. "F", at ¶6. As previously mentioned, her allegations that she is not a party to the mortgage is unsupported, especially since 1, 1 she initialed fourteen pages of the Mortgage and placed her full and witnessed signature on page fifteen (15). Additionally, her response must be viewed as an admission pursuant to Pa. R.C.P. 1029(b), which states as follows: "Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, b-4, shall have the effect of an admission." See Pa. R.C.P. 1029(b). (Emphasis added). Defendant A.H.'s response must be construed as a general denial and, thus, an admission because it does not deny Paragraph 6 "specifically" or "by necessary implication." Even if Defendant A.H.'s response is not construed as an admission, Plaintiff has provided the Affidavit of Kellie Rohling. The Affidavit conclusively establishes that Defendants defaulted on their loan. See generally Ex. "D." Therefore, there is no issue of material fact as to Defendant A.H's liability for her failure to pay the monthly installments of principal and interest according to the terms of the Mortgage. 3. Total Amount Due In an action for mortgage foreclosure, the entry of summary judgment is proper if the mortgage is in default and the recorded mortgage is in a specified amount. See Landau v. Western Pa. Nat'l Bank, 445 Pa. 217, 225-6, 282 A.2d 335, 340 (1971). See also, 22 Standard Pa. Practice 2d 121:69. This is so, even if the mortgagor does not admit the total amount of the indebtedness. See id. The Pennsylvania Superior Court "has held ... that, in mortgage foreclosure actions, general denials by mortgagors that they are without information sufficient to form a belief as to the truth of averments as to principal and interest owing must be considered an admission of those facts." First Wisconsin Trust Co. v. Strausser, 439 Pa. Super. 192, 653 t a. A.2d 688 (1995). See also, New York Guardian Mortgage Comp v Dietzel, 362 Pa. Super. 426, 524 A.2d 951, 952 (1987). With respect to Plaintiff's damages, Paragraph 7 of Plaintiff's Complaint sets forth the correct amounts due. See Ex. "E." Defendant A.H.'s response is as follows: "Neither admitted nor denied. A.H. Cooper is not responsible for any part of the mortgage at issue." See Ex. "F," at ¶7. Her response is a general denial and, therefore is an admission of the facts averred by Plaintiff in Paragraph 7, which sets forth the total amounts due. See First Wisconsin at 692. Furthermore, such response must be viewed as an admission pursuant to Pa. R.C.P. 1029(b), which states as follows: "Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, b4, shall have the effect of an admission." See Pa. R.C.P. 1029(b). (Emphasis added). Even if the Defendant A.H.'s response to Paragraph 7 of the Plaintiff's Complaint is not construed as an admission, Plaintiff has conclusively proven its damages through the Affidavit of Kellie Rohling. See Ex. "D," at ¶10. As of May 7, 2009, the following amounts are due and owing to Plaintiff under the Mortgage: Principal of Mortgage Debt Due and Unpaid $178,400.00 Interest $9,285.42 Late Charges $354.34 Other Fees Due $94.50 Foreclosure Fees & Costs $5,000.00 TOTAL $193,134.26 , q CONCLUSION The pleadings and exhibits thereto, together with the Affidavit of Kellie Rohling of Amount Due and Loan History, clearly demonstrate that there is no genuine issue as to any material fact. For the foregoing reasons, Plaintiff respectfully requests this Honorable Court grant its Motion for Summary Judgment and enter judgment of Mortgage Foreclosure in rem in its favor and against Defendant, A.H. Cooper, in the amount of $193,134.36; together with additional expenses and interest through the date of judgment and thereafter as provided by the Mortgage and applicable law, plus costs; and authorizing the sale of the mortgage property. Respectfully submitted, SHAPIRO & DENARDO, LLC BY: ? nz?-' A Dated: May 8, 2009 Michael J. C ark, Esquire Attorney for Plaintiff L .A 11 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-757-CIVIL TERM CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Motion for Summary Judgment, Memorandum of Law and Affidavit in Support of same, together with any other documentation specifically referenced in the transmittal letter, on j //- Q 5 to all parties named herein at their last known address or upon their attorney of record as below listed by regular mail, postage prepaid: Richard Koch, Esquire, 710 South Market Street, Mechanicsburg, PA 17055 Kevin Cooper, 245 Old Stone House Road South, Mechanicsburg, PA 17055 SHAPIRO & DeNARDO, LLC f(, Date: May 8, 2009 BY: VA? Michael J. ark, Esquire Attorney for Plaintiff OF TH" 2 0 0 9 MAY 12 P s 12: 10 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. ------------------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) HSBC Bank USA, as Trustee for OMAC 2005-5 (Plaintiff) vs. Kevin Cooper and A. H. Cooper (Defendant) 2. No. 09-757 , Civil Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etq,.): Plaintiff s Motion for Summary Judgment Identify counsel who will argue cases: (a) for plaintiff. Michael J. Clark, Esq., 3600 Horizon Dr., Ste. 150, (Name and Address) King of Prussia, PA 19406 (b) for defendant: Richard Koch, Esq., 710 S. Market St., Mechanicsburg, PA 17055 (Name and Address) (for A. H. Cooper) Kevin Cooper is Pro Se 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: 5- 11-6) q VI& Signature Michael J. Clark, Esq. Print your name Plaintiff Attorney for FILE) i r i'C r OF THE RR' ? OUTARv 2009 MAY 12 PH 12: 09 HSBC Bank USA, as Trustee for :IN THE COURT OF COMMON PLEAS OMAC 2005-5, :CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA V. :No: 09-757 - CIVIL TERM Kevin Cooper and A.H. Cooper, Defendants ORDER OF COURT AND NOW, this 4TH day of JUNE, 2009, it appears that Richard Koch, Esquire, failed to obtain prior approval of the Court, the Praecipe to Withdraw his Appearance as Counsel for Defendant A.H. Cooper is STRICKEN. Edward E. Guido, J. _l Michael J. Clark, Esq. Shapiro & Denardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 ichard Koch, Esquire 710 South Market Street Mechanicsburg, Pa 17055 ,,I evin Cooper A.H. Cooper 245 Old Stone House Road South, Mechanicsburg, PA 17055 VIWAIASNN3d SS :6 WV S- MW 6ri?u6 }30} 40 ?p .-`IN HSBC Bank USA, as Trustee for :IN THE COURT OF COMMON PLEAS OMAC 2005-5, :CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA V. :No: 09-757 - CIVIL TERM Kevin Cooper and A.H. Cooper, Defendants IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER AND GUIDO, JJ. ORDER OF COURT AND NOW, this 4TH day of June, 2009, upon consideration of the Motion of HSBC Bank USA, as trustee for OMAC 2005-5 for Summary Judgment (the "Motion") and the response, if any, of Defendant A.H. Cooper, and for good cause shown, it is hereby. ORDERED and DECREED that the Plaintiff's Motion for Summary Judgment is GRANTED; and it is FURTHER ORDERED and DECREED that Judgment, in rem, in Mortgage Foreclosure is hereby entered in favor of Plaintiff HSBC Bank USA, as Trustee for OMAC 2005-5, and against Defendant A.H. Cooper in the amount of $193,134.26, and assessed as follows: Principal of Mortgage Debt Due and Unpaid $178,400.00 Interest $9,285.42 Late Charges $354.34 Other Fees Due $94.50 Foreclosure Fees & Costs $5,000.00 TOTAL $193,134.26 It is further ORDERED and DECREED that interest and additional expenses (including costs and reasonable attorneys' fees actually incurred) are to be added to this judgment, and such interest will be calculated at the loan rate of $29.94 per diem for each day from May 7, 2009 through the date of judgment and r, thereafter together with expenses allowable in accordance with the terms of the Mortgage and loan documents, plus costs; and it is FURTHER ORDERED and DECREED that Plaintiff may proceed to execute upon its judgment in mortgage foreclosure exercising all appropriate remedies without limitation, including listing the subject property for judicial sale. Edward E. Guido, J. Michael J. Clark, Esq. Shapiro & Denardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 ? Richard Koch, Esquire 710 South Market Street Mechanicsburg, Pa. 17055 /kevin Cooper A.H. Cooper 245 Old Stone House Road South, Mechanicsburg, PA 17055 C I" MiRLLCC?- b 7S-/o? Lzo) VINb7t" 4NNM AiNnoo : 99 .{ WV S- Nnf foot 301.±40-aMW .s SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar ~# 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY 09-757-CIVIL TERM PRAECIPE FOR ENTRY OF JUDGMENT IN ACCORDANCE WITH COURT ORDER TO: PROTHONOTARY Kindly enter Judgment pursuant to the Order of Court dated June 4, 2009, in the above- captioned matter, granting Summary Judgment in favor of Plaintiff and against Defendant, A.H. Cooper only in the sum of $193,134.26, plus interest at the rate of $29.94 per diem from May 7, 2009, through June 4, 2009, the date of judgment, in the sum of $868.26. A true and correct copy of said order is attached hereto, made a part hereof and marked Exhibit "A" . SHAPIRO & DENARDO, LLC BY: Michael J. lark, Esquire • ~ 1 HSBC Bank USA, as Trustee for :IN THE COURT OF COMMON PLEAS OMAC 2005-5, :CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA V. :No: 09-757 -CIVIL TERM Kevin Cooper and A.H. Cooper, Defendants IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE OLER AND GUIDO, JJ. ORDER OF COURT AND NOW, this 4TH day of June, 2009, upon consideration of the Motion of HSBC Bank USA, as trustee for OMAC 2005-5 for Summary Judgment (the "Motion") and the response, if any, of Defendant A.H. Cooper, and for good cause shown, it is hereby. ORDERED and DECREED that the Plaintiff's Motion for Summary Judgment is GRANTED; and it is FURTHER ORDERED and DECREED that Judgment, in rem, in Mortgage Foreclosure is hereby entered in favor of Plaintiff HSBC Bank USA, as Trustee for OMAC 2005-5, and against Defendant A.H. Cooper in the amount of $193,134.26, and assessed as follows: Principal of Mortgage Debt Due and Unpaid $178,400.00 Interest $9,285.42 Late Charges $354.34 Other Fees Due $94.50 Foreclosure Fees & Costs $5,000.00 TOTAL $193,134.26 It is further ORDERED and DECREED that interest and additional expenses (including costs and reasonable attorneys' fees actually incurred) are to be added to this judgment, and such interest will be calculated at the loan rate of $29.94 per diem for each day from May 7, 2009 through the date of judgment and 4~1~ b~~ ~,A° ~~ •. thereafter together with expenses allowable in accordance with the terms of the Mortgage and loan documents, plus costs; and it is FURTHER ORDERED and DECREED that Plaintiff may proceed to execute upon its judgment in mortgage foreclosure exercising all appropriate remedies without limitation, including listing the subject property for judicial sale. Edward E. Guido, J. Michael J. Clark, Esq. Shapiro & Denardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Richard Koch, Esquire 710 South Market Street Mechanicsburg, Pa. 17055 Kevin Cooper A.H. Cooper 245 Old Stone House Road South, Mechanicsburg, PA 17055 -~ SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. Kevin Cooper and A.H. Cooper N0:09-757-CIVIL TERM DEFENDANT(S) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $193,134.26 in favor of the Plaintiff and against the defendant, Kevin Cooper only, for failure to file an answer to Plaintiff s Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiff s damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid $178,400.00 Interest $9,285.42 Late charges $308.81 Other Fees Due $94.50 Attorneys Fees $5,000.00 TOTAL AMOUNT DUE ~^ $193,134.26 BY: ~`/ V Michael J. Clark, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant, Kevin Cooper only, and damages are assessed as above in the sum of $193,134.26. ro. Prothy. 08-034125 SHAPIRO & DENARDO, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQ. MICHAEL CLARK, ESQ. CHRISTOPHER A. DENARDO, ESQ. AND ILANA ZION, ESQ. ATTORNEY LD. NOS. 81747, 202929, 78447 & 87137 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO.OS-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road S. Mechanicsburg, PA 17055 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: ~~-~~~ ~VI ~ ~'V•(rt,, DEFENDANT(S) STATE OF: ~~QI'Ida ~uvaE COUNTY OF: AFFIDAVIT OFNON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that heJshe is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil. Relief Act of 1940, as amended. Everhome Mortgage Company on behalf of HSBC Bank USA, as Trustee•for OMA~C 20Q5-5 By: NAME: I<ELLIE TITLE: nice F Sworn to and subscribed be 08-034125 this ~_ day of 200. ~-c~~~C 9._.~ y~L~-~'t.r~~ ,Notary Public ,••""va"., MICHELE L. FISHER tires ~a di°. .`~? Natary Public -State of Florida _.~, t. My Comm. Expires Oct 7, 2012 '~+ °`~ Commission #~ DD 828987 Bonded Through National Notary Assn SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-757-CIVIL TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, March 5, 2009 to the following Defendants: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Lindsey Madden, Legal Assistant to Ilana Zion, Esquire for Shapiro & DeNardo, LLC SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO.08-034125 HSBC Bank USA, as Trustee for OMAC ; 2005-5 PLAINTIFF ; VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-757-CIVIL TERM Kevin Cooper and A.H. Cooper DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Kevin Cooper DATE OF NOTICE: March 5, 2009 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If 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: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIIZ DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIl2M IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in Corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 ,~ Rana Zion, Esquire Shapiro & DeNardo, LC Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF Vs. Kevin Cooper and A.H. Cooper DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION C'.T TMRFR T e tam rnr n.rmv N0:09-757-CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: HSBC Bank USA, as Trustee for OMAC 2005-5 8100 Nations Way Jacksonville, FL 32256 and that the last known address(es) of the judgment debtor (Defendant(s)) is: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 SHAPIRO & DENARDO, LLC BY: ~, ichael J. C ark, Esquire Attorney for laintiff 08-034125 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANT(S) COURT OF COMMON PLEAS CNIL DNISION CUMBERLAND COUNTY ' N0:09-757-CNIL TERM CERTIFICATE OF SERVICE I, Michael J. Clark, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Date mailed: SHAPIRO & DENARDO, LLC BY: Michael J. ark, Esquire Attorney for Plaintiff 08-034125 ;.; ri ~~ r ~ -' ~ik.oo~~ A+~r e-~ 3z9~s 12'~ az~s~t! ~il+r.~ .~,a~~sl{ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 CURTIS R. LONG Prothonotary TO: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-757-CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding indicated below. TIS Prothonotary [XX] Judgment by Default `/~ ? /Ug [ ]Judgment for Possession [ ]Judgment on Award of Arbitration ] Judgment on Verdict [ ]Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY MICHAEL J. CLARK, ESQUIRE AT (610) 278-6$00. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: ~ ()Confessed Judgment ()Other HSBC Bank USA, as Trustee for OMAC ~ File No. _ d Q' - ~j$~'f 2005-5 ~ Amount Due $193,134.26 PLAINTIFF Interest May 7, 2009 to December 9, 2009 is $6,496.98 vs. Atty's Comm Costs Kevin Cooper and A.H. Cooper DEFENDANT(S) ; TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Le4al Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the gamishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: G~ Signature: rV V ~ Print Name: Michael J. lark Es wire Address: 3600 Hori on Drive, Ste.150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 202929 l ~L~~~,~~-a ~ :lCl'~~°~~r:Ri 7r E~Ic~ ; , . . , ~~~~ ,~~~tr ~ ~ ~'E'fit ~~• ~ f '.1`j~ 1j~:aY~ ~~~:~ ~~~{,fir 3~ ~no ~a~ a.~ 78 • sv << l S~l.tlD - ~~ ~ c ,Y~ •o~ ~ ~. ~~ ~.~. C~ 3.29 ? yS' SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 ; PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-757-CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 245 Old Stone House Road S., Mechanicsburg, PA 17055. Name and address of Owner(s) or Reputed Owner(s) Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: HSBC Bank USA, as Trustee for OMAC 2005-5 8100 Nations Way Jacksonville, FL 32256 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff 8100 Nations Way Jacksonville, FL 32256 PNC Bank, NA 2730 Liberty Avenue Pittsburgh, PA 15222 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 245 Old Stone House Road South Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DENARDO, LLC BY: ~ ' Michael J. lark, Esquire 08-034125 [ ~ `~~ i f~ f~{-J ,rl- -,. ZG~9 ~l~~y { 7 ~'r'~ (~'~ ~ 7 CL~''~~~ ~ ~' ~ 'l ~ ~ r'~` ~ , '~''~ ~ l.{ SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-757-CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Your house (real estate) at: 245 Old Stone House Road South, Mechanicsburg, PA 17055 is scheduled to be sold at Sheriffs Sale on December 9, 2009 at 10:00 am, in Cumberland County Sheriffs Office, 1 Courthouse Square, Carlisle, PA 17013 to enforce the court judgment of $193,134.26 obtained by HSBC Bank USA, as Trustee for OMAC 2005-5 (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to the mortgagee the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 2. You maybe able to stop the sale through other legal proceedings. 3. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will recorded only if the purchaser pays the Sheriff the full amount of the bid. To find out if this has happened yet, you may call the Sheriff's Office at: 717-240-6390. 4. If the amount due from the purchaser is not paid to the Sheriff, the sale must be rescheduled. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings, if necessary, to evict you. 6. You maybe entitled to a share of the proceeds, which were paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff within thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of said schedule of distribution. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIIZ DEBT COLLECTIONS PRACTICE ACT, THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 08-034125 ALL THAT CERTAIN tract or parcel of land located in Monroe Township, Cumberland County, Pennsylvania, bounded and more particularly described, in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded on December 8, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49, as follows, to wit: BEGINNING at an iron pin in the center of Legislative Route 21028, known as Old Stone House Road, between Lot No. 3 and Lot No. 2 of the above-referenced plan; thence through the center of said road, North OS degrees, 15 minutes 00 seconds West a distance of 246.00 feet to an iron pin; thence North 84 degrees, 45 minutes 00 seconds East a distance of 230.00 feet to an iron pin; thence South OS degrees, 15 minutes 00 seconds East a distance of 226.61 feet to an iron pin; thence South 79 degrees, 55 minutes, 53 seconds West a distance of 230.82 feet to an iron pin, the point and place of BEGINNING. CONTAINING a gross area of 54,351.05 square feet of which 7,342.91 square feet are within the dedicated right of way, leaving a not are of 47,008.14 square feet. HAVING THEREON ERECTED a two story frame dwelling. BEING Lot No. 2 as shown and described in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded December 8, 1995 in the office of the recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49. SUBJECT, HOWEVER, to such easements, restrictions and conditions that may apply to the afore-described tract of land recorded or unrecorded. PARCEL NUMBER 22-10-0640-079 BEING the same premises which Arthur E. Horn, Jr. and Ruth Diane Horn, husband and wife by Deed dated September 23, 2005 and recorded in the Cumberland County Recorder of Deeds Office on November 14, 2005 in Deed Book 271, Page 4657, granted and conveyed unto Kevin A. Cooper, a married man. ~~a4 +U~~ ~ 7 ~~ i~= ~ ~ G~f'v' ; ~ j ~`r SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIlZE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF vs. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-757-CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: A.H. Cooper c/o Richard Koch, Esquire 710 South Market Street Mechanicsburg, PA 17055 Your house (real estate) at: 245 Old Stone House Road South, Mechanicsburg, PA 17055 is scheduled to be sold at Sheriffs Sale on December 9, 2009 at 10:00 am, in Cumberland County Sheriffs Office, 1 Courthouse Square, Carlisle, PA 17013 to enforce the court judgment of $193,134.26 obtained by HSBC Bank USA, as Trustee for OMAC 2005-5 (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to the mortgagee the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 2. You maybe able to stop the sale through other legal proceedings. 3. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will recorded only if the purchaser pays the Sheriff the full amount of the bid. To find out if this has happened yet, you may call the Sheriff's Office at: 717-240-6390. 4. If the amount due from the purchaser is not paid to the Sheriff, the sale must be rescheduled. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings, if necessary, to evict you. 6. You maybe entitled to a share of the proceeds, which were paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff within thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of said schedule of distribution. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTIONS PRACTICE ACT, THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 08-034125 . ~ ALL THAT CERTAIN tract or parcel of land located in Monroe Township, Cumberland County, Pennsylvania, bounded and more particularly described, in the Finai Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded on December 8, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49, as follows, to wit: BEGINNING at an iron pin in the center of Legislative Route 21028, known as Old Stone House Road, between Lot No. 3 and Lot No. 2 of the above-referenced plan; thence through the center of said road, North OS degrees, 15 minutes 00 seconds West a distance of 246.00 feet to an iron pin; thence North 84 degrees, 45 minutes 00 seconds East a distance of 230.00 feet to an iron pin; thence South OS degrees, 15 minutes 00 seconds East a distance of 226.61 feet to an iron pin; thence South 79 degrees, 55 minutes, 53 seconds West a distance of 230.82 feet to an iron pin, the point and place of BEGINNING. CONTAINING a gross area of 54,351.05 square feet of which 7,342.91 square feet are within the dedicated right of way, leaving a not are of 47,008.14 square feet. HAVING THEREON ERECTED a two story frame dwelling. BEING Lot No. 2 as shown and described in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded December 8, 1995 in the office of the recorder of Deeds of Cumberland County, Pennsylvania, in PIan Book 71, Page 49. SUBJECT, HOWEVER, to such easements, restrictions and conditions that may apply to the afore-described tract of Land recorded or unrecorded. PARCEL NUMBER 22-10-0640-079 BEING the same premises which Arthur E. Horn, Jr. and Ruth Diane Horn, husband and wife by Deed dated September 23, 2005 and recorded in the Cumberland County Recorder of Deeds Office on November 14, 2005 in Deed Book 271, Page 4657, granted and conveyed unto Kevin A. Cooper, a married man. GUUJ ve~i`b I / I~~ IL• I J G~In1r~. _ F~~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 09-757 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HSBC BANK USA, AS TRUSTEE FOR OMAC 1005- 5, Plaintiff (s) From KEVIN COOPER AND A. H. COOPER (1) You are duected 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 $193,134.26 Interest 5/7/09 TO 12/9/09 IS $6,496.98 Atty's Comm Atty Paid $184.40 Plaintiff Paid Date: JUNE 17, 2009 L.L. $.50 Due Prothy $2.00 Other Costs C s R. Long (Seal) By: Deputy REQUESTING PARTY: Name MICHAEL J. CLARK, ESQUIRE Address: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 202929 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SOI/CItOr HSBC Bank USA vs. Kevin Cooper (et al.} ~ ~u~~t~ ~t L~rr~~~Tr~~~~~ v :';~ fY'~ .. F, t 'rEsrERIFF ~'~~ ~_E ~ . T~.. , ~ ~ <<,•,f . _ ~, _ ,, i~~ i U .3, ~ i ~ iti~ ~ ~'v~ ~O C~~ ~ Case Number 2009-757 SHERIFF'S RETURN OF SERVICE 01/14/2010 Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on 12/22/09 at 2056 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Kevin Cooper and A.H. Cooper, located at, 245 Old Stone House Road, South, Mechanicsburg, Cumberland County, Pennsylvania according to law. 02/18/2010 Property sale postponed to 612/2010. 02/22/2010 Received request from attorney and new Notice of Sheriffs Sale for the 6/2/10 sale on 2/22/10 to be served upon defendant Kevin Cooper at: 10 South Road, Mechanicsburg, PA 17055. cab. 02/22/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Kevin Cooper, but was unable to locate him in his bailiwick. He therefore returns the within Real Estate Writ, Notice of Sale and Description as NOT FOUND as to the defendant, Kevin Cooper, address provided of: 245 Old Stonehouse Road, South, Mechanicsburg, PA 17055 is vacant, deft. did not leave a forwarding at the post office. 03/01/2010 06:33 PM -Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: KEVIN COOPER, but was unable to locate him in his bailiwick. He therefore returns the within Real Estate Writ, Notice of Sale and Description as NOT FOUND as to the defendant, address provided by Attorney of: 10 South Road Mechanicsburg, PA, 17050 is the residence of Kristi Peterson, since 2002, resident does not know of Kevin Cooper. 04/15/2010 Received new request from attorney this date, requesting that defendant be served at: 245 Old Stone Houose Road, S., Mechanicsburg, PA by posting said premises pursuant to Court Order. cab. 04/16/2010 04:18 PM -Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on 4/16/10 at 1618 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Kevin Cooper, by posting premises at: 245 Old Stone House Road, South, Mechanicsburg, PA ,Per Court Order. 06/10/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on June 2, 2010 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Michael Clark, on behalf of HSBC Bank USA, as Trustee for OMAC 2005-5, 8100 Nations Way, Jacksonville, FL 32256, being the buyer in this execution, paid to Sheriff Ronny R. Anderson, the sum of $ 1,410.28 SHERIFF COST: $1,410.28 June 30, 2010 C CounfySuite St;er!ft. Te!cesoft. Inc. SO ANSWERS, ~ c:~~'` RON R ANDERSON, SHERIFF ~•ooPd•~ x•00 ~-Pd (,~-,~ `7 7 t~(~j l ~ ~~~~" 1 • SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CNIL DIVISION CUMBERLAND COUNTY NO: 09-757-CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 245 Old Stone House Road S., Mechanicsburg, PA 17055. Name and address of Owner(s) or Reputed Owner(s) 2 3 Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Name and address of Defendants in the judgment: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: HSBC Bank USA, as Trustee for OMAC 2005-5 c/o Everhome Mortgage Company 8100 Nations Way Jacksonville, FL 32256 1 • 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA, as Trustee for OMAC 2005-5, Plaintiff c/o Everhome Mortgage Company 8100 Nations Way Jacksonville, FL 32256 PNC Bank NA 2730 Liberty Avenue Pittsburgh, PA 15222 5. Name and address of every other person who has any record lien on the property: 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 245 Old Stone House Road S. Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: 1 V ~ ~ ~\ Michael J. Cl k, Esquire 08-034125 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Bank USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISTON CUMBERLAND COUNTY NO: 09-757-CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kevin Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Your house (real estate) at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 22-10-0640-079 is scheduled to be sold at Sheriffs Sale on March 3, 2010 at: Cumberland County Sheriff s Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $193,134.26 obtained by H5BC Bank USA, as Trustee for OMAC 2005-5 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to HSBC Bank USA, as Trustee for OMAC 2005-5 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT 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. 08-034125 ALL THAT CERTAIN tract or parcel of land located in Monroe Township, Cumberland County, Pennsylvania, bounded and more particularly described, in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded on December 8, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49, as follows, to wit: BEGINNING at an iron pin in the center of Legislative Route 21028, known as Old Stone House Road, between Lot No. 3 and Lot No. 2 of the above-referenced plan; thence through the center of said road, North OS degrees, 15 minutes 00 seconds West a distance of 246.00 feet to an iron pin; thence North 84 degrees, 45 minutes 00 seconds East a distance of 230.00 feet to an iron pin; thence South OS degrees, 15 minutes 00 seconds East a distance of 226.61 feet to an iron pin; thence South 79 degrees, 55 minutes, 53 seconds West a distance of 230.82 feet to an iron pin, the point and place of BEGINNING. CONTAINING a gross area of 54,351.05 square feet of which 7,342.91 square feet are within the dedicated right of way, leaving a not are of 47,008.14 square feet. HAVING THEREON ERECTED a two story frame dwelling. BEING Lot No. 2 as shown and described in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded December 8, 1995 in the office of the recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49. SUBJECT, HOWEVER, to such easements, restrictions and conditions that may apply to the afore-described tract of land recorded or unrecorded. PARCEL NUMBER 22-10-0640-079 BEING the same premises which Arthur E. Horn, Jr. and Ruth Diane Horn, husband and wife by Deed dated September 23, 2005 and recorded in the Cumberland County Recorder of Deeds Office on November 14, 2005 in Deed Book 271, Page 4657, granted and conveyed unto Kevin A. Cooper, a married man. -~ SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034125 HSBC Barilc USA, as Trustee for OMAC 2005-5 PLAINTIFF VS. Kevin Cooper and A.H. Cooper DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-757-CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: A.H. Cooper 245 Old Stone House Road South Mechanicsburg, PA 17055 Your house (real estate) at: 245 Old Stone House Road S., Mechanicsburg, PA 17055 22-10-0640-079 is scheduled to be sold at Sheriff s Sale on March 3, 2010 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $193,134.26 obtained by HSBC Bank USA, as Trustee for OMAC 2005-5 against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to HSBC Bank USA, as Trustee for OMAC 2005-5 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT 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. 08-034125 ALL THAT CERTAIN tract or parcel of land located in Monroe Township, Cumberland County, Pennsylvania, bounded and more particularly described, in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded on December 8, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49, as follows, to wit: BEGINNING at an iron pin in the center of Legislative Route 21028, known as Old Stone House Road, between Lot No. 3 and Lot No. 2 of the above-referenced plan; thence through the center of said road, North OS degrees, 15 minutes 00 seconds West a distance of 246.00 feet to an iron pin; thence North 84 degrees, 45 minutes 00 seconds East a distance of 230.00 feet to an iron pin; thence South OS degrees, 15 minutes 00 seconds East a distance of 226.61 feet to an iron pin; thence South 79 degrees, 55 minutes, 53 seconds West a distance of 230.82 feet to an iron pin, the point and place of BEGINNING. CONTAINING a gross area of 54,351.05 square feet of which 7,342.91 square feet are within the dedicated right of way, leaving a not are of 47,008.14 square feet. HAVING THEREON ERECTED a two story frame dwelling. BEING Lot No. 2 as shown and described in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded December 8, 1995 in the office of the recorder of Deeds of Cumberland County, ~- - Pennsylvania, in Plan Book 71, Page 49. SUBJECT, HOWEVER, to such easements, restrictions and conditions that may apply to the afore-described tract of land recorded or unrecorded. PARCEL NUMBER 22-10-0640-079 BEING the same premises which Arthur E. Horn, Jr. and Ruth Diane Horn, husband and wife by Deed dated September 23, 2005 and recorded in the Cumberland County Recorder of Deeds Office on November 14, 2005 in Deed Book 271, Page 4657, granted and conveyed unto Kevin A. Cooper, a married man. ~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 09-757 Civil COUNTY OF CUMBERLAND) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HSBC BANK USA, as Trustee for OMAC 2005-5, Plaintiff (s) From KEVIN COOPER and A.H. COOPER (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 $193,134.26 L.L. Interest from 6/18/09 to 3/03/10 is -- $7,754.46 Atty's Comm % Due Prothy $2.00 Atty Paid $350.23 Other Costs Plaintiff Paid Date: 10/27/09 (Seal) urtis R. Lon of n ary By: Deputy REQUESTING PARTY: Name: MICHAEL J. CLARK, ESQUIRE Address: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Te 1 ephone: 610-278-6800 Supreme Court ID No. 202929 On November 5, 2009 the Sheriff levied upon the defendant's interest in the real property situated in Monroe Township, Cumberland County, PA, Known and numbered 245 Old Stone House Road South , Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 5, 2009 ~y Cie: ~. Real Estate Coordinator ., r r , _ f t r ~ f + ` ry , ;~ rr~~ `~, ~ ~, ~'., 1~ ~- '~~ `~~~~/I ,; ,/~~ .The Patriot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE 7U1e~latriot N¢ws NoW you know CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: ~~~ti~C- Sworn to aneCfsubscribed before me th Notary Public 01/22/10 01 /29/10 `~~ 02/05/10 February, 2010 A.D. COMMO~H OF PENNSYLVANfA 3herrjg L Kisner~ Note City Of Harrlabu ~' Public ~, nJ; Dauphin County Member, Pew ~sy~~ ~' 2fi~ 2011 oGatfon of Nolarles tialil~ltdlwllfl~tl;l~'i4~ ;#~F'~r; '1~, a~71nN Ii~r~~~, Y 3 i .f Atty: lark. 9 ALL THAT . tract~~tllr ~ of;Ltnd- 1oca~ed ild ,14omoe ~'~wvdal~p, . Gamty, R~Y1k,, bomad~d . #~ ,more t >~~ ~eaCribed, in 'rte Ptnat 1~. S~bd~nltor Pla~'fgr.Thotnwe Scdt ~ a Katraa R: Webe~.'ae4 ~ Gen~ytavc p. Ate, >~ by::StCVen G. Fisheti: Ftofceaua~!•..I.and Surveyor, -d~br a~ teca'ded oa;1D• s,19As ~~ ~; of 'the Recxxder ~ ikrAs of '~, Ca~7;'1 ~ Pfan Book 71, Page 49;` as fbllotas;lo tvlk DEG al a~Yenpie m~ the c,~r+of LYa Reece 2dUb8, ~t'n Old Stone HoUee ~ betvyeea Lot Nd. 3~ and. LarNo. Z bf'~~~o-~;p~~ tbeac thtvugh the,, ae ~' 8aad lo1d, Ntstth ~~ dGgtas,lS tb secoade Nett ~'diatan¢e of 1A6.Q0 ft7xro hon Pte; tbcach'I~1orth 84 dee: ~5 IM1 sacotlda ~ ti of 23A~Q fut 1Q lm uo>w•'Pin+ >d~ee Soud- 05s degtda;lS a~ntRes 9U aeconda.Basc adisttv~' of.2~6.b1 feetto #n ~ }ad;~t~eee~$ot»b 79R cle~,r~SS t~adea, 53 sxonds~ikst a dlsteb~4t feet ere tvithln ~ `,~ rigl~ ~ say, leavioa ,s ~ sot ~e of •A1A06:14 egeghe feetN HAY1Pif1 'ffIQN .;~' `taro rtacp~i dtralliug. 8ER3G1woc~No.2 as shotta aadi det~ed ~ the Final hliaac Subdtvi~ou Plutj fo[ Stptt Web4r eoA Kga;n x.^ and Ralt'~ Iha61 and CieneYievaA. D1 Preby Srexca G. Fishet, Profe~i4n~' SWnFeygq, dated Oct' `'~~ .1993, revised Novert~ea, ~, 4995, ani k4aattio~ ,g? 1993 in the office art thG tr.afDekda ofi Ia¢d Caamty; Ivt~ia ,fin ° Flan ]loot[ 7t.'Pa$o 49. STJ~ ~, such ealeme~ts, restrk:~aus ~ rnaditioos ~I ~3' apply po the afore-doa~x~d tract of 1aa~~, ttnreoorded. PARCEL. NU1MiBEiF' 22~19~ B81ft(1 ~e same , pzagdaeS?. ptthtr ~. Fiotn. Jr: and Roth lA~ Flasu, hoaiaied and tnfe by heed ds~'~ 23~ TOGS a®p #ax+rdad in the C1snd Coiaa4gi cd' Deah O1Tice ~ t{nvembar 14~z bwi A4gt 271; pa®e46S7, ~i atitn6~in~.Yn~azmdu-an. ~~ ~9: ?~ E1Nt1 rJa~e lAor$>~~~ 17916 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 22, January 29, and February 5, 2010 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. isa Marie Coyne, Editor SWORN TO AND SUBSCRIBED before me this 5 day of February, 2010 ~. Notary /~ NOTARIAL SEAL DE80RAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commisslon Expires Apr 28, 2010 wlrlt lfo. ZOOS-767 Civil HSBC Bank USA as Trustee for OMAC 2005-5 vs. Kevin Cooper A.H. Cooper Atty: Michael Clark ALL THAT CERTAIN tract or parcel of land located in Monroe Township, Cumberland County, particularly described, in the Final Minor Subdivision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Professional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded on December 8, 1995 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49, as follows, to wit: BEGINNING at an iron pin in the center of Legislative Route 21028, known as Old Stone House Road, between Lot No. 3 and Lot No. 2 of the above-referenced plan; thence through the center of said road, North 05 degrees, 15 minutes 00 seconds West a distance of 246.00 feet to an iron pin; thence North 84 degrees, 45 minutes 00 seconds East a distance of 230.00 feet to an iron pin; thence South 05 degrees, 15 minutes 00 seconds East a distance of 226.61 feet to an iron pin; thence South 79 degrees, 55 minutes, 53 seconds West a distance of 230.82 feet to an iron pin, the point and place of BEGINNING. CONTAINING a gross area of 54,351.05 square feet of which 7,342.91 square feet are within the dedicated right of way, leaving a not are of 47,008.14 square feet. I-iAVING THEREON ERECTED a two story frame dwelling. BEING Lot No. 2 as shown and described in the Final Minor Subdi- vision Plan for Thomas Scott Weber and Karen R. Weber and Raymond E. Diehl and Genevieve A. Diehl, prepared by Steven G. Fisher, Profes- sional Land Surveyor, dated October 20, 1995, revised November 20, 1995, and recorded December 8, 1995 in the office of the recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 71, Page 49. SUBJECT, HOWEVER, to such easements, restrictions and condi- tions that may apply to the afore- described tract of land recorded or unrecorded. PARCEL NUMBER 22-10-0640- 079. BEING the same premises which Arthur B. Horn, Jr. and Ruth Diane Horn, husband and wife by Deed dat- ed September 23, 2005 and recorded in the Cumberland County Recorder of Deeds Office on November 14, 2005 in Deed Book 271, Page 4657, granted and conveyed unto Kevin A. Cooper, a married man. PROPERTY ADDRESS: 245 Old hone House Road South, Mechan- icsburg, PA 17055. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which OMAC 2005-5 TR is the grantee the same having been sold to said grantee on the 2 day of JUNE A.D., 2010, under and by virtue of a writ Execution issued on the 27 day of OCT, A.D., 2009, out of the Court of Common Pleas of said County as of Civil Term, 2009 Number 757, at the suit of OMAC 2005-5 TR against KEVIN COOPER & A H COOPER is duly recorded as Instrument Number 201018303. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ~ day of A.D.