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HomeMy WebLinkAbout09-1900V? MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 4837 Watt Avenue, Suite 100 No. Highlands, CA 95660, Plaintiff, Vs. Dawn M. Carey 1122 Pheasant Drive North Carlisle, PA 17013, Defendant. TO. Q?"? ('V? Cq? You are hereby notified to file?utten response to the enclased okr- -L-h 91t o s (I - ?"Wlth;wV `- twenty (20) days from the service hereof or & judgment may be entered against you. tto a for Piaintif Attorney for Plaintiff File: 55.10164 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 01- neo di-VI I -yrm 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. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 4837 Watt Avenue, Suite 100 No. Highlands, CA 95660, Plaintiff, Vs. Dawn M. Carey 1122 Pheasant Drive North Carlisle, PA 17013, Defendant. Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 0q- / I (m .! 7-z - CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 (the "Plaintiff'), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 4837 Watt Avenue, Suite 100, No. Highlands, CA 95660. 2. Defendant, Dawn M. Carey, (the "Defendant"), is an adult individual and is the real owner of the premises hereinafter described. 3. Dawn M. Carey, Defendant, resides at 11,22 Pheasant Drive North, Carlisle, PA 1.7013. 4. On November 27, 2006, in consideration of a loan in the principal amount of $102,000.00, the Defendant executed and delivered to New Century Mortgage Corporation an adjustable rate note (the "Note") with interest thereon at 7.825 percent per annum, payable as to the principal and interest in equal monthly installments of $665.13 commencing January 1, 2007. The current interest rate is 9.125 percent per annum. 5. To secure the obligations under the Note, the Defendant executed and delivered to Mortgage Electronic Registration Systems, Inc. as nominee for New Century Mortgage Corporation a mortgage (the "Mortgage") dated November 27, 2006, recorded on December 1, 2006 in the Department of Records in and for the County of Cumberland under Mortgage Book 1974, Page 3979. Pursuant to Pa.R.C.P. 1019 (g) the mortgage is incorporated herein by reference. Plaintiff is proper party plaintiff by way of an assignment to be recorded. 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 1122 Pheasant Drive North, Carlisle, PA 17013. A legal description of the Mortgaged Premises is attached hereto as Exhibit "A" and made a part hereof. 7. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due November 1, 2008, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Balance of Principal ................................$101,996.23 Accrued but Unpaid Interest from 10/1/08 to 11/30/08 @ 7.825% per annum ($21.87 per diem) 12/1/08 to 3/25/09 @ 9.125% per annum ($25.50 per diem) ............... Accrued Late Charges ........ Corporate Advance ............. Title Search Fees ................ Monies in Suspense ......................... $4,266.57 .............................. $38.78 .............................. $27.00 ............................$350.00 $509 12 ...................................... . Reasonable Attorney's Fees ........................$1,250.00 TOTAL as of 03/25/2009 ........................$107,419.46 Plus, the following amounts accrued after March 25, 2009: Interest at the Rate of 7.825 per cent per annum ($25.50 per diem); Late Charges of $38.78 per month. 9. Plaintiff has complied fully with Act No. 91 (35 P. S.' 1680.401(c) of the 1983 Session of the General Assembly ("Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendant at 1122 Pheasant Drive North, Carlisle, PA 17013 as well as to address of residences as listed in paragraph 3 of this document on January 6, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $107,419.46, plus the following amounts accruing after March 25, 2009, to the date of judgment: (a) interest of $25.50 per day, (b) late charges of $38.78 per month, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & ASSOCIATES, LLC Mary L. Harbert-Bell, Esquire Attorney for Plaintiff VERIFICATION I, Mary L. Harbert-Bell, hereby certify that I am an Attorney for Plaintiff and am authorized to make this verification on Plaintiff's behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This verification is made subject to the penalties of 18 Pa. C.S. '4904, relating to unsworn falsification to authorities. Name: Mary L. Harbert-Bell, Esquire Title: Attorney imu-20% 1?7:.: 71724a 11" 1 J LAWYERS MU Vd"ANCE CORPORATION NAIIM*AL READQL'ARTCRS • RICIII1 MD, vntGLNIA SCB3fiULE A Co IVIM FAM 07:19 4XYZ ei ALL THAT CERTALti lot or tract of p cood Sit We in Noma ?iid&M Township, CatrberitaC Cvootg, Comatoaw MU C Panstylvtaia, More patticutad r bamdod"de=W a6 folbwc: BECMIINWG at a point on the sattbem A01-af way lire ofPhnsssot Dore Nash at tls dividittj fse of LAM No. 65 aid !6, as 611ora eo a fate! Mb& ision plan of Phasant Rim Fsana, Pbwe D k Ph= EL sit recorded is Plan Hoot 29, Pape': eh>see by aforesaid NottAcc tight-oi-wsylinc, Soath 8: dr?t?ees IO mantes 21 seconds Bw 18.00 feet to a point an the waxen live of LorWa. 87, *mw by stmessid line. ?brit 06 degrees 49 miaatm 39 saeeads, Eats 140.00 to a point dmoc; N'ortb 83 degrom 10 min-As 21 seooads W est 11.00 feet ro s point so die Roma linc of Lot No. 95; d erase by afwenid !ate, Sotah 06 degtea 49 t i notes 39 se mis Kest 140.00 feet eG a poiabeiop the Place of8BMNN G. BEM Lot vo.86, on a Final Subdi%-Woo Disco: Pheasant Rua Fsmtes. Phis: II and Phase III, as reeosdad in Plan Book 29, pole 7. HwVV0 ft mm mud a womb.-= ds-eier known sad rumbe7a as 1122 Phesaat Drive Earth, Ca- isle, PA 170!3 BENG the same ptcw-,ms Wt ch Alvhoeso A Wart, Secretary cf.%usiAg sad :hba Devn!opcaea; of titvs3urgaot: D.C. by Sbwmks Bads by decd dosed Nbmi 21, 2006, red r.CM d in Cousberlmd Ccuay. PmLglvenia Deed Bak 273, Pap 3933, gmtcd ad oouve3ed uotvE?imactb Pot. 0 0 120111,11-1 ®®C ®e@ -?? MIN: 100488910108671818 ADJUSTABLE RATE NOTE (LIBOR Six Month Index (as Published in The Walt Strees Journal) - Rate Caps) 1 YEAR RATE LOCK, 5 YEAR INTEREST ONLY PERIOD THIS NOTE CONTAINS PROVISIONS THAT WILL CHANGE THE INTEREST RATE AND THE MONTHLY PAYMENT. November 27, 2006 Carlisle Pennsylvania (Date) (City) (State) I 1122 PHEASANT DRIVE NORTH, Carlisle, PA 17013 (Property Address) i 1. BORROWER'S PROMISE TO PAY I i In return for a loan that I have received, I promise to pay U.S. S 102,000.00 (this amount is called ",principal"), plus interest, to the order of the Lender. The Lender is New Century Mortgage Corporation. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 7.825%. The interest rate I will pay will change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 is the rate I will pay both before and after any default described in Section 7(B) of this Note. i 3„ PAYMENTS i (A) Time and Plaee of Payments I will pay interest by making a payment every month. Beginning on the Amortization Start Date, I will pay principal each month in addition to interest. I will make my monthly payment on the first day of each month beginning on January 1, 2007. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before principal. If, on 12/01/2036. 1 still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 18400 Von Karman, Suite 1000, Irvine, CA 92612 or at a different i place if required by the Note Holder. NC:Mc Fixed/ ARM Six Month LIBOR Intetest Only Note (Multistate) Page I of 5 1010867181 RE 440 (051005) 0 0 (B) Amount of My Monthly Payments Each of my initial monthly payments will be in the amount of U.S. S66S.13. This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. (D) Withholding If I am a non-resident alien, I understand that all payments due hereunder shall be paid without reduction for any taxes, deductions or withholding of any nature. If such tax, deduction or withholding is required by any law to be made from any payment to the Note Holder, I shall continue to pay this Note in accordance with the terms hereof, such that the Note Holder will receive such amount as it would have received had no such tax, deduction or withholding been required. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of December, 2008 and on the same day of every 61h month thereafter. Each date on which my interest rate could change is called an "Interest Rate Change Date." I (B) The Index Beginning with the first Interest Rate Change Date, my interest rate will be based on an Index plus a margin. The "Index" is the average of interbank offered rates for six-month dollar deposits in the London market ("LIBOR"), as published in The Wall Street Journal "Money Rates" Table. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Interest Rate Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. i (C) Calculation of Changes On each Interest Rate Change Date, the Note Holder will calculate my new interest rate by adding Six And Five Hundredth(s) percentage points (6.050%) to the Current Index. The Note Holder will then round this figure to the neatest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Interest Rate Change Date. (f) Interest-Only Period. The "Interest-Only Period" is the period from the date of this Note through December I, 2011, called the "Amortization Start Date." During the Interest-Only Period, my monthly payments will only pay the interest I owe. During the Interest-Only Period, the Note Holder will calculate the amount of my monthly payment to be one-twelfth (1/12th) of one (1) years interest at the then applicable interest rate. The result of this calculation will be the amount of my monthly payment until changed. Ncmc Fixe& ARM Six Month UBOR Inmest Only Note (Multistate) Page 2 of $ 1010967181 RE-MO (051005) ® (1) (ii) Amortization Period. Beginning on the Amortization Date my monthly payments will include principal. Starting on the Amortization Start Date and continuing until the Maturity Date, on each Interest Rate Change Date the Note Holder will calculate the amount of the monthly payment that would be sufficient to fully repay the remaining unpaid principal in equal monthly payments by the Maturity Date at the new interest rate, assuming, for purposes of each calculation, that the interest rate did not change again. The result of this calculation will be the new amount of my monthly payment until the next Interest Rate Change Date. (D) Limit on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 9.825 % or less than 7.825 %. Thereafter, my interest rate will never be increased or decreased on any single Interest Rate Change Date by more than one and one half percentage points (1.5%) from the rate of interest 1 have been paying for the preceding month My interest rate will never be greater than L425% or less than 7.8251/a. (E) Effective Date of Changes My new interest rate will become effective on each Interest Rate Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Interest Rate Change Date until the amount of my monthly payment changes again. (1) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment at least 25 days before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any questions I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they arc due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. I nay make a full prepayment or partial prepayments without paying any prepayment charge. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note and to pay the interest then accruing at the Note rate as of the date my prepayments are applied. If I make a partial prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial prepayment may reduce the amount of my monthly payments after the first Change Date following my partial prepayment. However, any reduction due to my partial prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sutras already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. NCMC Fixed/ ARM Six Month UROR Inaxest Only Note (Multistate) Page 3 of 5 I01aaf7181 RF.440 (051005) 0 '7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.0001A or 55.00, whichever is greater of my overdue monthly payment. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, l will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if 1 am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required the to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if 1 give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who tarts over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us maybe required to pay all of the amount owed under this Note. 10. WAIVERS 1 and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor, and further waive all relief under any valuation and appraisement laws. Presentment" means the right to NCMC Fixed! ARM Six Month LIBOR Interest Only Note (Multistm) Page 4 of 5 1010867181 RE-440 (051005) 0 require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the dote Holder to give notice to other persons that amounts due have not been paid. 11. GOVERNING LAW - SECURED NOTE This Note is governed by federal law and the law of the jurisdiction in which the property encumbered by The Security Instrument (as defined below) is located. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated the same date as this Note protects the Note Holder from possible losses which might result if I do not keep the promises which I make in the Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, ibis option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration The notice shall provide a period of not less thin 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. CAUTION IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS NOTE BEFORE YOU SIGN IT. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED M CAREY Borrower -' Borrower Borrower -- Borrower - Borrower - Borrower - -- Borrower Borrower (Sign Original Only) NCMC Fixed/ ARM Six Month LIBOR Interest Only Notc (Multistate) Page 5 of 5 1010867191 RE-440 (051005) N 03-20-'09 13:32 FROM-` Pmpored By- NOW Century Mortgage Corporation 18400 Von Karmen, Ste 1000 Irvine. CA 92612 800-967-7623 Rcium To; New Century Mortgage Corporation 18400 Von Karmen. Ste 1000 Irvine, CA 92612 800.967-7623 Pared Number: 29-17.1583-074 Premises: 1122 PHEASANT DRIVE NORTH. Carlisle, PA 17013 T-753 P007/037 F-784 says' T °. ZiE3E.Ei! a^xa F REED, i e•iJ ?QIf1; ?"?{WS C..C 1 Bpi 8 57 lfte+s Above M& UN ra ftrmw? !Urea) MORTGAGE ?'? MIN 100488910108671$18 WOnb wed is multiple seetiom of this documed an ddinod bdow and odm:r wank we defined in Sections 3, 11, 13, 18, 20 and 21. Certain colas receding ft usW of womb Usti in this document see do pf*vided to Swdon 16. (w) "NImrity b trmmmt" == this docn nw, which is da W November 27. 2006 , Ro mher with an Rides to this docatmmc. (3) "Borrower" is DAWN N CAREY Romwee is tiho no"Mor uww then Security Iosbamnant. (C) "I2WJ" is MastW 8lacoomc Registration Systems. W. MBRS is a uponme compondom that is aft addY as a weak me fins I asde? and l asdves snooasots and sedpla, MOM la the mom IDW unbar dds 8selmt" Lttrmm=L MM is orpsmixed sad exaft under the Inver of Ddaware, and has on sd&= sed tdq hone number of P.O. Box 2M. Plint MI 48501-2026, td. (may M , 1010867181 FltisNMVAMw1- Ongs F - wla,ts ataea:,.aea Use UNFt atsntuuMr WM Memi "~M am Form 1107 M• r d toyry; VMPUGr% P IA*W..% be. Isool621-72N ....UK t 974PG3979 03-20-'09 13:32 FROM- OD)"Leader"is New Century Nortoage Corporation Leader u a Corporation 0qEMiMdMndeXi9l48 wdw the haws of California Laoder'saddrasis 16400 Yon Kargan. Suite 1000. Irvine. CA 92612 T-753 P008/037 F-784 (9) "ftw" morass de Wmznimiory now aigaed by Borrower od dated November 27. 2006 The Note t ea that Borrower owc* LeuderONE HUNDRED TWO THOUSAND AND 08/100 DOD (U.S. $102.000.00 } Idol latemst. Bonvwer has te Paymmts and to pay the debt is titll oat imr ilm 12/0112036ms? to pay this debt in reguisr Periodic (F) "Pfu wW' meets the property tbai is did below under the headiag "Traoder of !tights in ttee b..... ??uty- w ??(C?? ) "1+oa " sacais the debt evidenced by the Note. phis iateeeat, my prepaym= chsrga and Lee chardaa due Hader the Note, and all slaps due under this Sacmity hotan cot, phis iwerest. (B) "Riders" roeass all Riders to thu Sautity koftuaw that ase e:ecsted by Bormwer. The following Ridan are to be executed by Bormwer (dueek box as applicable]: A4mtable Rater Rider a Coodemiz Het Rider Second Home Rider Balloon Rider El Plmwd Unit Davdopp Rider 1-4 Fasnilp Rides; VA Rider © Biwoddy Payment Rider C?tbac(s) 14 MM P&Wgym a t Rid4w W "Appifiesdile Lrsw" messes 1111 casm+olliag applicable federal, state and local ssmsoas. agohnoes. ordiasnoee and adminktaoin min and orders (that hive de dtbet of law) ere well as an appnc*k MW, Y A+podWws Doo, Fseo, and Am maertr" mom ell dues, foes, mm meats and other dwrs MA an b powd an Boa ewer or the Preptcty by a condmhLiuam, =mciation, homeowaen sesocidim or sindw ot$md=aon. 00 "fie FW6 Tnmdw" moms lay trseder of fetads, other tbau a Mmsadim autigimrad by eaaaoir. draft. or aiemu'tar paper ilsttsl>meat, which is urinated ehravo au ckcbenic tesssiassl, aehPhonit iresprenneoat, oOeCpcMer, err Cos io q" so as to off, ipabuct, or submim a ftec iai hadtatim to debit or at+adh m aoooemt. S1xb arm ' udrs, but is not limited 16, ~-Sol* ltsafbrs, makwood teller nmhke U=MM cm, tt08ho iiddated by tdephooe, wine trsusims. sstd imtameoed daarkghmn tr11nefers. Q "MORM 111015" moos those items dlsa< are de W1W m Swb m 3. "1lliso dkosUm 1!e+aaaeda" man my -"Kum scadaeseoe, "Ad of d by my third p*ty (GdW flow iaatrmce pnroaeds p? MWk r the Corandoe descrfbad io'Semen 3j fw. ) da PMP@MY; (HI) cnvcy? in mW to, or deeteocdon of, the Psope11ty; (U) as don or other taking of all or my pat of the r of, or omissions as to, the aodfor waft= of the hP operty. ?v) -Sri o? "l??forlgare lfnrua?amoe" MOO hue '=V Piotocting [.coder WE= the =q Mr= of, or defatdt an, (0) "Pkdaia PM11111 ot" mom the r%Wwly scheduled s mu d due for (c) piucPel and hroem tinder the Now, plus (u) may armuuta =dw Sectka 3 of this 9eemity onaerpatent. 1010867181 '-?n ft-ewtPM OMM M892010 Pam 30" 1101 ?n 974rG3980 03-20-'09 13:33 FROM- T-753 P009/037 F-784 M MXWA" mms the Rog EMM SWIM M ftmkm Act (12 U.S.C. Sestloa 2601 et req.) and Im inQiemraoiag8=:: 1tanlati®_ X (74 C.P.R. PW 31 as , n toy might be mm" hoar dm to t e. saq ddd ioo ar aaomror Igfulanon or due *Vvw= dw same m6jod m1m. As wed is thie Saaxity 06UTeM91, "RWA" ratlitts tiD all aid rnmictlow dw gee bgeow d is "and was z1od mmwpo loan" even if the I.asa dog am qud* ere a "foUrdly related mwe" (Q) "9aoaaaar L Inkrut of sawswwwo mewa any dw boa aim title to tie PmpwW, wbtbr or not that pwq bas amm med Borm ar's obaigatloas Naar =d/or tbb S co*y Inatfaraeat. TRANSFER OF 1!MM IN THE PROPERTY - This 3mmklr IaeOrme t nmm to Lender: (f) the mpsynm of tie Loan, gad all mewah, atmdm and modifcadons of the Now. and (fl) the pertnrmme of Boaoower'a wvmmo and agroema o moda this Sece,s q bounmot aid the Now. For dds porp m, Baerovwr don hereby mortgage. Rraat gad cmv" to NMS (aoidy as ¦ominee for Lander amd Leader's mcoa m gad mogm) ad to the euoa wm imd assigns o (N ERS, the Following deaoribed property lacated in the County t7yps of 10wwft > aon1 of Cumberl and D%= orn.ooWfth kdmd: See Legal Description Attacked Hereto and Made a Part Hereof wbich purmtly has the sddmw of 1122 PHEASANT DRIVE NORTH Carlisle ('Property Addtrsas"): 104 ow, Pe mwvsab 17013 P*owkl TOGETHER Wt1N all do b Vmvemmo now or bier eructed on Ot pmapo#. ml all er?saamb , and !l:ttotos now or hKwAw a part of On . All mbmmmm ad adlBtiaue onWaad by *4 9amriq Iasbtmraot. All of Ow Is miiff *& beo?ty hOWMIM as tbo `Pmpaty." lamer msdamstaeh and agf= tint bift 4* kcal title RW"nhm the h owstr mftd by Botrowrr in this Somv* hommeot, bit, if nmxmy b oom* w46 law or WHOM mm name for Leader s®d 1= vaooewom ? noip=) bm do dffit to gwm%a rd to or all of rhos baeseeta. but ¦ot HaA and to. ? me tab say mcdon z of l cbWbg. but not Hmbd to, r nd aarceliig " Sewrky inommu ent. 1010867181 ft-OMPAI Woo r o" s a is Fam 39" 7/p1 -- SK I974PG398I 03-20-'09 13:33 FROM- T-753 P010I037 F-784 BORRQWM COVENANTS that Borrower is lawlidiy seirod of the estaw hmby aonvvcyed and has the right to mw4W, grwA aaad omwey the Pivporty and that tea Peope:rty n unwAd eaood, excW far - it -, i , , of noooL Horaower amts said wdl ddmd p o rdly the this to dre Property apaimd all claims and damab, nbjvd to asy ancuid am of a p 1 vd. TM 38CURITY IN9MM EMT cand ideR uniform cova atz for nomad use and Bost-rmdfarm covmmts with limited variations by jurisdiction to aoestino a uniform sesour>ty bubvotastt eoveft nod p?roPWty UNIIURM COVENANTS. Borrower aad I.eodcr oovenmt and agm as Maws: L lrgasn>rt of Pdodpd, Nines!, FettvAw hams, Prqmysmd Chargas, and LW* Charges. Borrower chill gay wheat Base tic FftokW at, and is maw on, the debt avNeneed by the Note and any pnpaymeot chaepos and Lure cbsr a doe under the Note. Borrower shill also pay he& for Baavw llenu pad+suam lo Section 3. Payments due under ft Note and dne Security Instamnent dmB be waft in U.S. aarv aq. Ilowcvcr, N any chock or other mouvo aat mccived by Leader as payment Bader the Now or this Savdty I t is ntpused to Lander napaaid, Leader may mpum that my or SH nbseeltatnt pgmWs dna under the Note and this Socarity hmhvuwg bo wade in outs or more of the fWkywhtp forms. as seaeetatd by L,oodan (a) cash: (b) mossy osier; (c) a ufled theca!. bade: sessile, treantesr's reed or e 'er check pmIded any ways cbo& Is drawn upon in instimdon whose depodts we formed by a federal apsucy, insmecutdity, or ae ty: or (d) Ekdaasic F=6 7h a der. Papmeats ant denned raodvad by I sW r when received at ibs foeadon daipated m tits Note or at atxcb ode location as stay be desipoded by Leader in aoootdsaoe vA the notice poovMkm in dachas Is. Lender may ceded any Pajamnat or PON Paysdtst if the paya4Mpt as peatml paymasb me I t tO bring the Lm Guess!. Leander eery accept say payment or Partial payment IDgUMpedt to britap Me Loan curtest, wWxmt waiver of say rigbta hea:eaader or pe*diee In Me rights to referee such payment or pedal psymeeb is the lows, but L miles is not obi%Wd to apply such psymaaq at an time each paynaf M are aaccepfed. If each Betlodio PgmMt is appllsd as of ite schada bd due dswe tees Lander deed mat pay imams an nasppfted Lands. Laodue mey bold arch tuna ft* wadi BerrQttter makes payment to bring the Los claraa>nr. If Borrower does not do so within a r ssounMe period of time. Leader dW Either apply such feeds or nom !etas to Borrower. It not applied starker, saach he& wW be applied m doe outs! aft oddcVd balance under the Note i=Pff0ely prior to farad wan. No oalint or claim which Banower MW have now at in the foam against Lerdar to 4 ohm Harrower from making payumos duo under ft Note and do Security lztamzmat or peef emm the covenants aatd apteesmesrit !cored by this Smurity Insrruaneet. ?,. ArpBeMlaa ed Plsyarrsaes or Proosads. B=%A as odnuwW descrbW is !bit Saxian 2, all paynasta aeoa+lated and applied by Leader shill be sppliod in the fiolbnwiag oedor of priority: (a) ink at due under the No.. (b) prlac.iptd doe un&W the Now, (t:) unotaft doe under Sec" 3. Such peyaaaeats dtdl be applied to each ftm dic Payment in the order to whim it bocadte duo. Any remA ft a ww" shaft be applied fiat to We dtftgm, woood to spy other smomatt doe uddts this So=* I rent, and than to tr<daoe the prbmaipd balance of Bea Nate. If 1ARder 1+e001V a pdymeet ft M Borrower for a delinga%W Paaiodic P,ymott which inoWm a suff lent amoust to pry say late edtatpe dae. the payment may be applied to tea ddb quaat paymeu ad the late space, If !sore than one Puiodle Payadmt is antstsa ft, I !uncle apply easy pgmmt received from Borrower to five repsymrnt of the Periodic Paymenu if, and to the eetteat that, each payn= 1010867181 :roof: 4R.A(PAt peal rap. 4 a l e From 30la 7/O 1 BKI974PG3982 03-20-'09 13:33 FROM- T-753 P011/037 F-784 can be paid in full. To the extent that my awes adsts after the payment is applied a the fall p0108fit of me or riots Periodic Ps asafs. such aatoats mugs be applied to say late altrpes due. Voluntary prrpaymmts shad be applied foal to say pc+tpgrmmt dua:pes and that as described in the Nose. Any aWWWm of pq mmts, toturanoe prameeds, err Miscellaneous: Ps cc -& m pdodjW due under the Note shall not extend or postpone Go due data, or d wpe the sue, of alts Pk:iodic Payu®ts. 3. 7W O fie Eamw Iianea. Borrower shall paps to Dander on the day Periodic Paymua is are due under the Note, u dl the Notre is pdd in tali, a away (We "Ftmdt") to provide for pamcal of apaonats due for: W tarot and assessments and other items which can attain priority ova thin Security Instrument as a lien or enouschsanoe on the Psepasty; (b) leasehold psMa* at Smand rants on the Property, if my; (c) numb---- for any and an inswance rogoirod by Leader under Section 5. and (d) Moths huarance paesttiums. if my, or say ass payable by Borrower m bender iu lice of the payment of Mastpp huusaocc puwaions in accordaoou with the provisions of Section 10. Then hares ens called 'Escrow Isms." At odoinsdon or at my time du bg the term of the Low, Larder my require that camndty Association Does. Fora, and Assessments, if soy. be eaerawad by Borrower, and such 60M fines and smasemew shall be an Escrow Om Borrower AW ptaasptly finrdsh to Lander all nwcea of amou>w to be psid usida dds Section. Borrower shall pay Lander the Fonda for Fmmw INat Wass Linder waive Borrower's obligation to pay the Funds for any or all Escrow Lrsma. Leader may waive Borrower's oblipatien to pay to Leader Funds for my or all Escrow h= st any time. Any such waiver may only be in wrkb*. hr Ow event of such waiver, Bwmw er shall pay ditectiy, when and where pq%We, the amounts due for ow Bspnw Items tier which payment of Patois has been waived by Under trod. if Leader requires. shall furnish b Imtder reodipts addencing rash paymW within saatdt time period as Lander may reguire. Bor'rower's oblig don to matte such paymsaes and w provide reask to shall for sit pucposas be damned to be a covenant and apse most eOWWWad in this Security Iustru amt, as the pkaw "covenant and agrament" is used in section 9. If Borrower Is obllpted to pay Escrow Items directly, pursuant to a waiver, and Borrower fidb do pay the awaW doe for an iBKmw ream, Lender may curdle is rictus under Section 9 sad poy such amount and Bonoww shalt than be oblipled under Seibert 9 to repay to I.mcier any such asaount. Leader may r? the waiver as to any or all Escrow Items at orgy tins by a noti0s Si<ven is accordance with Section 13 sued. upon such favocadn, Borrower shill pay to Lender an Funds, and in suit aufouets. 4w are dm required ender olds Seethe 3. bender rosy. at sty time, ooBeet and lipid Fbalda in an =Drat (a) sufdetent, to permit Leader to apply the Pods at ft time apedIM under RB.4PA, and (b) not to exceed the maximum maw a lender can rbgnire under RESPA. Leader shall adtimaate the arawa of Funds doe at tha bonus of currant data and rusean" estta*ss of cgxediuma of Mature Escrow Item or otherwise in accordance with Applicable Law. The Funds droll be held in as institution whose deposits are insured by a federal alpacy, inat ality. or antitsy Cmdadmg LaMar. it Lender is on instition whose depaa a we so immed) or is any Federal Homo Loan ]haul. Leader A& apply the Funds b pay the Bacraw? [tens uo later tbm Ile time spseiSUd under JIMA. I.Ia?der SM trot eha p Borrower for hoidigp and applying the Prmds, atamsflly mdysisag the aearuw aaooont, or vodfyhup the Eomw bens, unless laader pays Aorrvtrar inlerast an the Anxis and Applieahfe Law permits Leader to matte such a ahsga. Union m sgnmewt is made is writing or Applicable Law requires Went to be paid as the Foods. Lander shall not be required to pay Borrower any insenst or elrniap on the Funds. Borrower and render can agn in wafting, however, that iaterat 1010867181 Aa MOB) rep 0 of 10 Fenn 3020 rJe7 OK 1974PG3983 03-20-'09 13: 34 FROM- T-753 P012/037 F-784 shall he paid on the Funds. Lender shall give to AOMwet, without . sa 8113021 aeoouatiog of the 1nn& as ragaired by RBSPA. if there is a surplus of Foods held is escrow. as defined under RRSPA. I erla shall amount to Borrower for the aness funds in socordsom with RBSPA. if there is a aborfaye of Foals held in escrow, a def nod soda RBSPA, Lender dell nWy Bonowa as segairad by RWA, and Borsosra shall psy to Leader the an oust adores My to snake up the a wjW in ere rot bate with RBSPA, but its 110 more than 12 monthly pormaun. If there is a delNdmky of Funds hold in escrow, as dewed under RMA, Landes shell w ft Borrower as required by RBSPA, and Borrows 111011 pay to L WIW tics =mum neceanry 10 M*e up the dwici aw is accordance with RBSPA, but is no nim chap 12 moodily pqm aL Upon payment in fill of All ssmm sacarl 1 by flue Security lodrumew, Lmder shill pmneptly refund to Borrowa say Funds hold by Lmdee. 4. Cb=Wg )tires. Borrower ehrdt pay all taxes, amomamsta, chargm fines, sad impoaddow atnibatible to me Property w" can auoa priveiny over this Saenrlty hWfty cti4 Imse old payments or ground rem on tike Property, if any. recd Conmsuoity Association Duna, No. lad Assommesa, if say. To the coo that these know are Bscraw bums. Bonoikepr rhpol pay them in the tma pwided in Section 3. Borrower droll pmnVdy doge any tiara which has priority orvcr dda Seeusi(tr Ialtr nsat unless Bon aver: (sea apmes is writing to rho paymseett of tie obligation erased by the lien in a macaw mce ptabk to Loader, but only so long an Borrower is performing such ; (b) oastta is site Om in good faint by. at dd isids against eafoseecomat of the liar Is, $M d paocesdiap which in Lender's epbiao operroe to FMVa t then 0 for7xmeat of the lien while those proccedhngs are Pooling, but only malt such ptoceedhW are c achded; or (c) seconeu from rho holder of the Wet an aeteemeat satisfactory m Leader naborsthuft ties lien to this Seca&y Imam. tf Lmder doeamint a that soy pat of cite Property is solijacc to a lion which can ands priority over this Se wA* Instrument, Leader m4' pave Borroww a notice idewfyriog the lien. Widtitt 10 days of the date on which that mdoe is given, Borrower shall sltl* the lien or taint ace: or more of the action set fbah above in this Section 4. Laod7 spy mquine Boaawtr to pay a otto-time chuttgs for r real estdo tax vain ardlor repordog service used by Lmoler is aemooaica wilt this Lola. S. ProWty bman ism Borrower deed beep 11te Loprovemeats now emstiag or heacaRer oraCtod on the PropRy muted against laces by fro, ha ssols included wMJn the tam 'atcteoded aovarage." and any adiff her r& hadadieg, but rat iunlted to, earthgasta and Bonds. Im which Lmehr reeprba isetnamoe, This toonatroe 1h011 be malubbW its the amounts (iacU ft "a" lovels) and Sir the periods that Lander requires. Wtsst I sale: rexlciros pttromot in the preca ft wMancea can came among the am of the Low 'Lie mearisaw covier providing the Inoaxox dtW be chosen by Borrower MOM to Lender's right to disapprove Borrower's choice, which right ales not be ocardsed tauessomMy. Inder may regtdw Bormwoc to M. is connection with *k Lam, either: (a) a oneyfiume Berge for flood acne it rmloalim. cutili end trsddog services: or (b) a one-Ume d nge Lot food altos dati=instion end oetdilcetion services and sulnequent chaa a ea& time remappiays or smilar chropa occur which re uoasbly mj* d1ka suds deeermimtim or cart on. Bo maw shall dw be responsible for the payment of any !ba imposed by the Fadenl Emergency Ma ngeme nt A cft7 in connection with the review of say flood zone deSeminsdon resulting ftm an objection by Borrower. 4ft-SAWA) mwo Pw• a a so 1010867181 ?.ar. Fong Wn 1107 H(1974PG3984 03-20-'09 13:34 FROM- T-753 P013/031 F-784 If Bomoww Nils to nwntsin any of the c o m es dam-bed above, Creoles rosy obtain hmuratce covarrm at T.faderIm option and Borwwer•s ezpwm. Leads Is Under no obtipation to prmehaee any pxkioolsr type Of == W of ooVMV 'lberdofae. ,rich wvmrW shdl corer I ukdw but m%k car ad& not pmtcd Nonowrer. Bon wgt's equity is to property, or the aoamm of do Pmprrty, MAW my risk, ba mad or lirlbility and nd& p mvW Smatter or low eovmp am .vas p mvicreeli? in effm. Barfowm aclmmvbdfm that the cost of the immmme coverage so obratmW asiplrt s4millom* eaeeed the cos of losw ache drat Borrower aoWd have obtained: Any ae==& dd6wmd by Laoft mfr this Scotian 3 dkg beoorm oddido" debt of Borrower motmd by We Security. . 7heee mwmm shall bow h*m at the Note rase from the date of didbt n mm and shell be psy", with smcds ha", ttpaa notice from Leader to Borrower regms ft priymsot. All i mumme poll" mgWmd by Icucier and renawals of am& policies shalt be abject to Latrdes's A& to 1- moms such padiehrr. dW i0 ode a UWrndad moetM dates, sad do more Lender ee mottMae ad/or as an addWood loos payee. Iatda deall have the d& to bold ft policies and renewal demitloasaa. If Lemda regalia, Monower dM prampdy give to Leader all of paid pmmhms and feaocwal madom. If Bonower obtains my *mn of tqwazome oDvcgye, ud otter mlm required by Lasxlar, for damede to, cc delquW= of, the PrOPMY. arc* polky ,ball iadrde a staodud fn0rt w dame and shall atame leader as mostSee md/or a mt additional doer payee. In die event of loo, Bormowcr shall Sine p m%t notice to the imm=c aerie and Laeaft Lender may melee proof of lots U not mops pen%* by Bonowa. Unkm Leader sad Bar Wcr otherwise agree is wridaS. my, e?eoe psoaeeds, whd w 0r not the undalyft isa amore was ro@dnd by Leader, shw be applied to ratoration or repair of flic Property, if the testoesbcn or repair is eowmmieally feeaibie sad L raise's aemmy is eat lemaaed. DurinS soda fep* and semoation period. Landau shall hmrve the right: to hold such lmsuraam proceed, unta has lmd in oppprum* to imgmd arch Pmp mty to emm the work his been omplemd to Lemda'I MdAction. provided that such iospectior shall be tmdatelmn pnompdy. under may dkbmno proceeds for riot npdn mid mms60Zation in a dogle pganont or in a aeries of prvBUrem paymaots as the woffk is cosspleted. Udm rw aBeoemeat is made is writiog or Applicable Law requires imam 10 be Paid 0a a wk is mmm proceeds, I,eodsr Mail sot be megrthed to pay Basmwar any mumst or ?arn?a an each proceeds. Fee for permit a0mom or outer mtd Perris, Mabod by paid od of the ima=m procemdr aid sled! be the auk Oblipdm of Boawm. If '1&e resto"Wo or repair is not mcmgtkolly faslble or LaWsr's a amby would be lessened, the iasaaaoce pr ands rdtdd be applied to olio snore smarted by Win Scmffky ko memat. whether or not Ibex due, with the I" --s, if NW, paid to Borrmver. &J& W mm m Pis shall be SMSM in the order provided for is Section 2. It Borrower abmdoms rho Property. L,erded may 1%. nepdiate and Adds soy available iaeuraoe chime sand added maeteaa. If Ba mmow dons mot rownd 30 dsya to a notice Brant Leader that the inarzmee rmrriw has offered to settle a clahm, dten l,er may UptMe and setae the derma. The 30-ft pedod will bq& wham *0 notice M Shy. bt d1bw event, at if Leader aogrdaea the Propety tmda Section 22 or etirmr d". Mumm4 heeby mmiSms to lender (a) Botrown osbcs to dry immlape Woomh in as mmarrnt not to exceed the anourts mpaid under the Note off 0* 9emdty laftummot, ad (b) any other of Bm wrer'e rWm (otba dm the Opt to my refmd of oraemil pt+ft*AM s paid by BOmmo see) under all imuxnoe polida c mmkS We F"my, insofar as mob rwo ass appliamie to the oovee>rSe of the Property. Lrc7sder My use tlm h? pegoeepr ra dal to arpdr or meaner: the PMpety of to pay anaoauts WPM DOW the Note or tbk Sesaaity lmxtmmmt, whether or mot then due ? 1010867181 ft"'PAI WOO Pop 7.f , e Fmm 3oM 1101 OK I 974PG3985 - I 03-20-'09 13:34 FROM- T-753 P014/037 F-784 6. Oeeatpartey. Borrower shall occupy. mtabM, and use &e nWaV at Bcrmvwar's pmiocipd m dmw wi &k 60 drys afar the esecutiam of this Ssrmdq &*ul at amd ahdl Coami = b cocoa the Praptty IS Boraoacpt''s p bdpd wdit ee for at least one yaw ofw the dada of ooospm q, nhu Lrrader ot>rarvriw arm m writing, whmb Coal M &A not be utm ammMy WUMM, Cr =I= emleo m ft dcmstama Ostler; whidl sera bvymd Bomwar's ccmhd. 7. how, atiau>y M &A'smae and AVedim of the "erty. Inpseaioas. 11c m 0wer dug not destroy. d=W or impair the property. allow the PmWmy to ddaiacaEo or tcm.& waste on the Plapeety. Whedwr or act Borrower is ra m,*& in tltt Property, Becomm r drill wmbdda dtw Propaty in older 11, ptevant the Property firm de{eejpt or dsgmleadttg is v" die to its caoditim. Was it is dKODDinad puaaanm 1o Sa tim S that repair or aedsrWM is gat emnamiegy fwja*. Bormwer ftU pats NWp rqw the Property if dar Wd to avedd lhtdw dobduratim or dmwSL If bow= ar coOdeemim pttootedt erns paid in oomeotim wbh darasde to. or the MUM of, tk Pmpmy, Bmawar shall ba nrapoo Me kw mpairiod or the PMpmy only if Leww hat released; ,, , I nda far axb F"0001- Leader may d dmw proms for the ropsim ad m0mradom in a do& ptgimat or is a aeries of p OV= paymmer Me the wort is gaoipidOd. If the iawrsom or epademmd m ptomms title not mabdm to repair or Im m the Pm VMY. Bona is sot relieved of Borrower's WWgjw for &a w pietion of such Impair er m owation. l,usxler or its agem may make rums m"c ueRim rpm amd bWwdm of the property. If it bas remond" eutat. Letlder may u wpm the interior of the improvements on the Pmparty. Leader ahsp give Bormwar notice at do tame of or prior So eo& en iatador ioepeaiem autdt mearoeabie cattss. Js. b'ower's Lorin Applimlim. Borrower *dl be is deft* if, during the Loss tip prancer proctas, Boamer or any poaom or mthks scft m the diracL%u of Bormower or wilt ¦onower'a knowledge or one ft gun mdaWly fij@j6 MdsadlM. or imom=e u dwo etim or dd mar to I.eodcr (or fttilod tv provide Leader with mdenw mforn 0 m) in ooeraec ion with dw Laser. Mwerist reifzrawnsatiema iscluds, but we sot limtaaed to, rqw mtraioas om=dog Borrower's ooatpaacy of the ftVWW M BMMM'e pminapd maidmce. 9. P1+aieeMaa of 1-dri's Moffatt IN the Pa+aperty Add R%Pb Under this Sao sty b wk m m. If (><) Bmwwr fWs to pw(arm the edvasm and ageeamNOW wed In this StrtlN* (b) dwe is a 1apl procsadims abut mt * d y dMat Larrdar's !Beatleat in the PUowil ardfer Hader this Seamity Iaaprtmaat (such u a pmvoeadiys in bsmbrapix7. pt, for oondammtlewa or cure. for awbram" of a Ham whm may m ft priority over gds security jeffibumt or m ealfom>ae laws or rNPINjooa), or (c) Bonowar hu abwAamed ilea Fvapetty, dm L+aader may do mod pay ft whatmar is >nattameat. irlrJPFfV paosoctiag sad/ I 's in taut in the Ptmparty sud rjrte mdar this Soeuity astalft dw vdw of the Pfoperly. end aamuft md&r eepdrmf the Pr*PCCty. Laader'a actions can indode. but are sac liraitnd to: (a) pW% MW amps maned by a lien which his priority over this SetmW ha mrmt; (b) appearing = come; sad (e) pq* raamarmable attoCUM' tires to p its interact in the Propody and/or do ft under this See -- Lserommegt, me ill ft it COWM s aeoumurd poailios is a budtmupaty preoreding. Sevrrimg titer PMP" inohrdas, but is on Hmb d to, dw d to mdm mpaims, ti belts, replace or bmd tip drones aid windows, dealer water fil *m. 6uibliag or other coda vidisdaos or dsaWma asaditim. end JUNG nHhtw tucamd on or off. All wso Itmy Woe *AOR nmdar that Section 9. Lmder does mot have to do so and is not Hadar my duty or Obligation to do so. It is qpW drat Leader incur to literality for not bkk g say or all actiams angroriesd under this Section 9. 1010867181 4%-MIRA) moor, v.o.rar?r Fam307e 7rom OK I974PG3986 03-20-`09 13:35 FROM- T-753 P015/037 F-784 Any emoutas disbursed by Leader udder Ws Section 9 duH became adddioml debt of Boaovrer soaured by ilia Smxdty lostrsoasot. There at» onts loll bar interest at the Note no flats Orc daft of t1bburvessent sod ahdl be payable, with rx h ialeoeat, upon notice from Leather to Borrower sego eft layer, If this Security Inaeumant iS an a leamhotd, Borrower shall csooWly with all Ilan pmv=nw of the lease. If Borrower lpgmiru fee title to the Pt VOM. the lessebod and the foe title abail not m p uelesr Loader a to ?e amaHar in V/dt s p 10. bseal?ti/a Ltaeanoa If Lender roganod Mo Mamie lumen tie as a andidon of mddng the Lana. BWO?WW shag pay the prrmaams engtti<nd m av"Caia th'a ua ribe bo trseoa fat dw. If, for any restsan. rite mar" bearaaoe oovera/e regained by Lander ceases to ava'Idban f can the mtwte iirree dw pa y Pmwh1td rich iapaaace and Borrower ant nqubW to mate upatauly deripalad pa?amats board do paagdOOaS flair NW tpbe Interstice, Bonsowear d U VW the premltims mgdmd to obtain N agtiivataa to the hiatgagn Instiratiee ponfoady In d1=4 at a coat subasede ly Oq iv to do oast - to Harrower of tlbe AGOd ere Iatnama peeviovely in dlbot, Dom in demo Mort- k"m eeleded by Lender. N ? "Ovule nt a hani gee apveaeBe Is UK Banwr *0 acwtEa ae b par to Laadar Bee arm" at doe Septirafdy d ft alsd Pone ab &K wm don obey the iaspranoa coverage owed to be in OWL Lemke will am* use sad retain tope pay= &# as a sop-ral?dsbk lass reum in Use of Mor" Insurnee. 8" bw seaarve shalt be fin tda do Lem it alG uft paid is fall, and Lamar"ant be reqoind to pay my loom or ettubm as mch loan aweren. Lmda am m laepr ?m loaf serve modgep My elerYad?by I.aetiar On the smoatit sad ibr the period that IA=dac requires) p iti e8da i becoosis separately tiaod psyaaaaaa Wwsed the paesetm ftw My?o ,V.,? Itae, is obtaitied, ad Leader or u e Ieatuamoe as a oomtem of nutd the Loan sod Borrower vu nqAkW to m M=W Offud the psatiistmS for Mottpaga Ioattratice, Btirrawet shall pay the pee dleigad to maraca Madpp bummnae in effect, or to pemvide a noi-ed?e lost cestrve. vatlle in ; , , r+warefor Mart S go IeNrmOe coda in actor laeCe uft my wdum between Bermtrer and Leader pso Wbs br Stich tareoieatim or until t umbaudw Is e by Loa. Nod tog is Wls Seed= 10 mfFak Borrowoes obliption to pay iglu at the rate provided In rate Note. Mort rdwhorm header (or nay emW d* perchance tats Nara) for certain braes at may incur if Borrower does not repay tLe Deem as agreed. Beeswa• is not a party to the Norge blintraece. Mortgage natters avalum ibeir total rink on all nerds intaram In Ibree ftpm Bucher to time, and my mode mb apexsntmts vide Other parties dot dove or madW tbar rUL or reduce boom IUSe apex emu we on eeriest and coldkkna that are sodda cq tto, at m.OMP htnttaer and the other party (or patties) to t T>tpe + ? ? the canner to raft p q --to uft any source Vim; tgage itstater tray have availabls (wpich am iadade tub obtabut! &= MOrtee As a :e4alt of these IFUM " Lawler. nay purchsaw of the Note. mod" folim r, spy rt?attret. NOW other soft. or nay SMIRre of sty of din UW nave (dimtWy or b hncdy) a boonts that derive ffnm (or t be d WaclerkSd am) a poraw or?Bommer a payaaaof! gor ldOe?yO ;n exehaage Ibr doft or tmdlf bS the ntortgege insurer's flak, or reducing ION" If Stich Providae thaw An Mudo of Ltetdtr fates a dM of the imam's list ac eochaop for a don of dw pN MWM paid to the k am, flat s is ohm I I - I I I I WGRave reimunaoe." Paetba: (a) Any ON& aaesdmfs 10 Hart sgesd tda smamo b Batt Harvowsa liar agreed to pay ter, >saas buba+ardweeep or aw odw faeaa of Ibe Loan. Ouch ys+aernMIN w!B not QN a OMW ? , Stead X41' *? oat sotltle Harrower to sty eelYpad. 101086718! 4%-aAtrA1 an" wo. ? a ?e AMP MM 110,1 OK 1974PG3987 03-20-'09 13:35 FIROM- T-753 P016/037 F-784 (b) A WY muh atlfiamado wilt std adeet the rwo borrower has - if my - wa to the Mest?e i?mmos ra bar 00 >Seasasr?rmas>t Pn*mdm Act of IM or an ader law. Tlwn rule MY clad) of Neat to nodre Caelmtd me- b uagmad Mod mauve" d do r'd?d ate ?7 ?/Ma? hm am of I ? lowwaft naear¦at ??weh c ar ta'sublMMa. X11. ?A? of ? Pteoede; Iferhkm+e. AD b'wdIwm3 Pmcaeft ace haeby N 60 Pnpaty k a?ed. acadt Mucallaoeaae Rvcoede drill be applied to rumaruiom at rW* of &c Pncpatty. it de caemwlion or repair is ecamrmimuy *M*k cad LeMdWs wa rky b mot lamamed. nmpdr and resum doss period. I der dull have the d* to Wd ad Mbpoleaeows hoosede fw I ue dx'a did n h 11OPM W* opeaiw doll be madecidm y de ai Ynuls LIM bm em &r m Coe to mpwn and rratoaeiea iM a anode diebenemmt or in it striae of jausm • ? ko for the a dko wait is completed. Unless an armament ie made in writt or Appliol?ble 1mr 181 ? , I ? be paid oa much Misoailetteacr Pta?eedr. Lradsr ball not be rwpdmd to Vey bortowrrr o rmh Mbcgg nawe P,mcaeda, If the rarlwadon or M70 b mot mamom"tedy fadW Lao w's awmimp ak= ft ? ismW be knomd, the Mbes%mooue I? mods draft be applied to fib area second by die SB=ky imumm, wheder or mot dhaa dtu. wMlt the morn. if any. pawl to Bwmwa. awk Mboetlmoaes Prooacuis chill be applied In We oader movided for is Section 7- In the avamt of a told taft, destraNnn. or loan is value of for Pt "dY. the Atbodbmoous Roceeds ft u be applied to &a mmus setxttn' by this Sotxaity hana war, whew or'not beet due, with the excess. if any, pdd to Hatnmww. In the Cvnm of a POW t*ft. dnUsuiom, or low in vdte of tie Ptopenty in wbich tie fair market ydue of the Property imas"aly harps! the paafid Eakins, dmntadom. or km in vahua is alp d to of it 1 1 r tlwm the amotat of de emu amMead by this Sem * io tommomt inas,edisNdy bdbre the pmmd tddas, dat5rq?. or ion in voice. udae Bonowar and header adcrw ft mace in wri ft the soma second by this Security lmtranumt shall be a dined by the ammattt of de Miscdbmeaw ho mah tmtl*kd by the following lhcdom: (a) do t*W tmtoea of the mm Second imsmeditedy before the tiai tc-.- . dwmc im. or low is value &dded by N) do ft moket vabae of Mte pmCm *0 PE" o[ t.,. or lac in vdee afAeba{moe ahxsri be paid to ilasx valx>e Pt+aperty hk which tha fair mmdad Of &C Y iaarediddy bediaae do pssdd tddgs, dmaro dom, or loss in value is keg thin tlu smcomt of 60 ssmw second iamadiMliy beil)ro the Pa" wbog, dsltataa s. or loss in value, cakes boycott W cad Larder od Mee again In wr**, tba hjbcd meeoe Paooeeds dhtdl be applied to de mm second by db S aft Imtln aft whether or not Ere rum/ am *a des. If do Propatty is abeodomad by Botrtiow, w, cr if, dler codes by Leader to Bw ww that &c opporfe?g Tasty (ss deAmed in the mass =Mace) olbta m mdax an wed to selde a claim ibr dt mpn. tidtnDtsetr Oft to rerpomd to Leader within 30 dqe aft Ere drta tba notice is gpen, Leader is amNtonaed to collect and apply tits Nbm bmeoms Rom& CMW to t+e*mmdm or mp* Ct Nee Taopwty or to the WW a Mbaollao UM Pa OWN ar the not then den. "appodos Party" i a q zig>n *v eat panty eou t Ptooaade. P+atY chant a0raoaror less a of f action in reprd In MBOUum Borrow w Ball be In detach U nay aedon or whether civil or m4miaal. is bepa that, in Isaber's jodpmeat. Could assail in farkitm of ? at ocher mamitl of Loader's intend In Ere Property or reader this 9ecarity Imrnument. Boreawer an cuss rush a dataalt and, if as aditadom bar oamnad, /o w provided In Section 19. by toa tts the udw or prop ftft to be 1010867181 4%-*AfPA) mma o.o.,o a ie Fmm 90,9 71ol BK 1974PG3988 03-20-'09 13:36 FROM- T-753 P017/037 F-784 dindimed wt& a ruling ibttt, in Lam's judgmeer, pecIgdea gdatme of Ow PnWmq or other mmtboud impZment of Lanhes hstarast in the Property or don tinder this smorky Imprtm ent. 71ts prom" of any award or claim for damages that mre attftatable to the b o demo of of LmdW s iateaemt in the Property are bereft M*W mod dmu be paid to Linder. AU MooeDaeoous Prom de d are mot applied to feo madom ce repair of the property doU bo appliva is time ovier pmwided for is Ssedom 2. IL Becrrwur Not >1a mm* lrai ummo oe By 1madw Not a'leant. Bakpdon of the time for psymeatt or modMsdo10 of aooord=dom of tits mare aacmed by 0& q,, 'Y Imetntom tamed by T to DMOwer or bay Simmcessor in Iatersal of Bort+pla' d a not open* m "1. fife liability of Betro wer or any SmMmoms in Intnnest of Bosr+Ower. Leader dmril not be regOW to aoaaeseaoa ptnoeei6-i ag:iind any Saoom" m btermst of Bee over or to of m to eatertd tierce for PWMW or 06arwlie dfy aosortkodio m of the sum setamed by this Secasky Imttummt by mason of my doomed made by Me WOW Borrower of ray Som moots in Imbrad of Borrower. Any Mmaxame by Lewder is exadit aq r*S or remedy hachuamg, widlout li ion, L.mder's aoorptaaa0 Of pmj!nnota E1um third person, emaWm or Baccoraers in lsreter' of Bosrowcr arlnmmOttm leas thou the ammiait then deem, shall not be a waiver of or puardude the ea ld" of ray tight at scondy. 13. ldat d Nsvmd LtmhONyi r 8aocaasmea said Adp1e bu md. Borrower eoavemsmer and ar m that Berrwwees obllptia m and ty elan be joint and several. However. amy Borm w tvho co-dSm dos J•Oa * lmmtomewt but does not eemmts trio NoW (a "oo-eiper"): (a) is co- oft die Security Lmmt mopag only to mwhmp, grunt and coavty the co-siper's I I--1-mt In the Property Under the tlxme of this Smodty Ioal iiti at; (b) is 1004 p r$MUY abliOM to PY 90 amts moored by Una 9eauiey Im nom m; and (a) apTO that Leads: and any odw Borrower can apse am mtmm. moft, forbm or owoe ray aaaommoddiom with regard to the tetmw of this Seautty hamMument or the Dose; widuoxt the e Subm Me p mviaionr of Swdms ls, my Samosa in hSCCeat of Bon 9Wff who aptmoes liOStoMwtx'a obii?aoYowe fader 1MB Seatmmity I utnm e m wrift, and is approved by Leader, dWU obtain alt of Bomwer a nghta sad bm to vWW d& Semray Iapsn mm. BWOMwar ahdt not be rdwmd from Bor owsr's obKpdom and liOlaw carder this 3mmay Ipit mm t m isae Leader a? to pick release in wrlds& mm covemais and alpesemoeata Of tkia SICWKy 1mQusnest afrall bind (eaoept ai provided is seedon 20) mod it+mstlt tka woeeasors aged maalgtim oft L +ioder. 14. Lama Chases. I.e A may dwro Bonower fees far aQvkxs perkmned in connection wish BmotrOwes''s drdrAt. IN die papme of peommodog Lemosr's imeerest is the Property and ruts umdet this seceft Imdettmattt, hm*A iag, but not limited to, maormus' tees, iaapecaion and valsolim fees. In regard to any ashen fires, he abmamoe of a girssa attlhotity is this ?hoxa mat to clop a speciflC fee to Borrower dim not be cmaWnsd ad a prohibitima 010 he of sat flee. Leader may not c'bmrge free that in ciprsMy pubg" by tots SOCamil~y lnra Imam or by AndIcAle Law. . N dam Lem is subject to a law which sate nm m in IOmtt dwgp. and that law is fiddly ioapr+coed so that dm iatersat or other banc? collected or to bo eWomd inn co0oectimw with the Loom exceed the per Woad halts, dm: (a) any wrh IOaa dmgp shdl be m t W by the mount 10mam y to rulm the ekarga to tM parlgtitosd trait; and (b) my mass dre* collected ftom Bonowar whicb encoded pestisiteed hairs will be nfto m to Borr+owsr. Linder m y choose to maim trio tmfmd by iWocing the -3ocnpal owed mWar the Now or by m Wft a direct pgrmma ID Bom wer. If a refund tedmcae i the reftfQa wilt be treated as a podd prepgmaat wAvot may psgpedv mr e? (whalma or not a p mpgsnmst clamp is provided under &a _Nom). BarmMwer's of sty sole rdand made: by dire d Iapsomt to Baerawm will ooastidlie a waim of any tight Of?Smen? MW have arising ant 15AR notices given by Borrower or Deader in connection wide tdia Security lmaummut roust be m writing. Any notice to Borrmwe r in com a dw with this 5 todty Imat m omw abdl be deemed to 6MC 1010667181 w:a ft;Meet Moil pp 1, of 16 Fam 30= 1101 OK I 974PG3989. 03-20-`09 13:36 FROM- T-753 P018/037 F-784 have bowr given to Borrower Whom mailed by tiro dais mad or when actually delivem d 1o Borrower's notice .ddmoss if sot by odrew masts. Nodal many Ode Boaoww snail mod ewe nodoe la dl Boermm vulm Applicable Law apready z"mmdt Oti mwLe. TIM WOm address dal be do Adoll W naisms Borrower has dagmftd a sabstbale Sot= W16 M by notice to Lander. BoaewrC MIM mptiy notify Larsder of ms's c mp of 2116M. If leader aperatiter a psooadm" for raportbss 8armarwea's chumme of address, these Borrower shall only report a chmp of addmtaa damo that a mMM pm cW nie. There mmy be only one designated notim &Mm under this Security I ubvmmt at any area time. Any nonce to Lm IW shall be given by delivaios it oar by mailing it by first dm meld m Leader's addreaa stmtad I Udell Ladder 1101 deaig mW aoodw addom by notice so Borrower. Any codas a commotion with this seaatisy hotro omt d all not be domed to have beam liven to under until gaily reoeived by Leader, If soy ratios required by thin SCCW* inateament is ado rammed under Applicable n . Law,Apphamble law ragvhem m win satisfy the Bona poo ft ragwrement noft thin security 16. Goomdog Uw; ifs+eeanbft; Rnirs K Cm UNIFEC WL Thb Seomity Ina ummot WWI be govamed by fmdesai law ad the latw of do joftn Lion in wM& dw hq mty is je m a. All dghb nd oblisadom oo mdwd in Brio Security losteaum are witted to ary regdrasnaob sod Iimllstione of Appliable Lm Applicable Lase aesht explicitly or hophday ttdow the paetbes to mgm by comb rt or it night be Ant, ben such silence " not be oooshnr, se a peal ib m ap m agrmmw by ootmrn t. In the event *aa any provision or clone of this Sam* Imtrtmood or the Name conflict with Appiiwbk Law, saoh shall not afford other Fmiaioru of this ftam y imat mnW or the Note *Ift ran be gima efElm without the conflidn provision. As used In ft Soanity Instr+mmot: (a) weeds of the ma>oobime Voider dM mmomn and rodude now word: or words of the Amdm! sunder; (b) words in the mag m dW mean mod Ind the rod vies versa; and (c) the word "may" Naves sok dilmedon wrtbout any Obiigodom to tabs arty mum. 17. Aw aswR''s Cagy. Bonower shag be gives am o W of the Nast and of this Sept* Lmtmmm mt. W. 11mdw of tba Rupefty or a 11441115M Merest its litany w. As need in this Section 18, "Imt neat in the Property" means weir IMM or b o&W k Nom in the Aapatty, incht la& but not broiled to, those b sefltdml imaaw trasetlserad in a baud 1nr deed, Ooatnarx Ear deed, matdlmead md" conum or mmm , the intent of which is the i d" .- !? of two by Bonewm 01 a frolics doss to a pumbse r. if ?pm of the PnoperV or any hfty l in the hop M is said or txndbr ed (or if Borrower is not a nmMd person ad a bmo&M inbsemt k Borrower b$ sold or rum hen d) without Loodrr's prior Wrium ecna in- Lauri f may rao t immediate pRmn mt in frail of all soar acme by ft Setnuiaty Instrommt, However, this option shill not be *carteod by I?oodea if R$* ammim is probAftod by iI?mdLm. er minims this option, Lm iler shall give Borrower notice of mach don. Mm notice shall provide a period of no hen thto 30 days fi m the date tW nodal is pvem in aceardm e w I& 9actiod 15 whin which Borrower must pay all sums waned by this Smmty Ismummt. if agm wac fends to pup' these somas prior to the expiration of this palod, I,dtader may iarolre nary remedies permiwod by this Secui ty I t wiW 4 ftdw notice or demmrd an Swrowe r. It. Solso Ra`'s Now to Woods Miter Acedemmdu a. If Narrower meet ce Wes omaima, Borrower shrill bare the to )tare cdace stoat of this Security ios<rummt discandow d at 0 tbae prior to the earliest af: (a) Ave days beWmis QsN of the Propoa ty p? OM fan aK. power of sale coobommd in this Smm* haumaaal; (b) vxh odw period sm Applicwbk Ls1w net speedy for the temb Lion of Borrower's right to raamme; or (o) entry of a jutipmoaut this Smomity imhlt umt it= conditions are dw Borrower. (a) pays landau A steam which then wmN be due vow this Smmity Instrumml ad the Nola m if no aoodaoaitm broil oammt (b) tmres soy defadt of any other cavmm& or 1010867181 :naa?r: "-"CPA) riot ro m 2021 1/01 BK i 974PG3990 03-20`09 13:37 FROM- T-753 P019/037 F-784 ; (0) PIP all eap=wA idmund in atfostapg tiro Seo city Itetrtmaatt, beludi q, but not limited to. rfaaetfoble attoeuaye' bet, psoputy bgmmdon and vdaldom fees, and odor fees Wooffed for the pucpow of pwtsodug Lmder's intarea in the Property ad under this Saceetity bdemmas; sad (d) sloes soch mum as Lender may ressouNy regatre to aaaro tbaa Y.eadeis intemst in the Psopaty sad righb uWw dais Security iuahamat, sad Borrower's obiiguion to pry the new secured by this Soctmq llwftwumt, dial! cosd= -achoord. Lander mW its Wm mss Donn rot` pity ouch zelest bmeat sores and eazpeasea is care or nsooa of the fdlowit farms, u aeiociod by Loatlaf: (a) cash; (b) motttoy onbr; (c) oeaWW ebaot, bast dw*, nurser': daft or cubier's check, prodded my ssch shook b don upon = imliNi on wbae depoft IMO iaartod by a dedwal Wn y, hrOcagsmtelity or oft, err (d) ®aarosde Punb 7h ode- Upon rrmtitalttt by DMOM, thb Swaritf ](ream k and ablgasioas named baby shall NZA10 fully eft five as if no aooebenttion had occurred. Blowa w, this rl& to reinstate *0 not apply in the con of scodaadon wWw Stedon 18. 96. ibtk of Nair, ChMNV of LOSE Bevioer; NOw of Grienom T1be Note of a pseud Wier= in the Note (to edw vn& this Seanity bstmfnmt) can be sold on or more times without prior notim to Borrower. A ado might sneak in a dump in the entity (kmm as the 'Loan Smviage) that ooileeb Periodic Arprxwb tore under the Note and this Sewdty l omu eat ad puftma other mattep boa servicing obBgadosm wider the Note. ibis Seem* bwMment, and AppBoabhe 14m. Thee Woo toight be acts or snore dnam®ea of the [.non Servica QW Wed to a oak of the NOW. If thee is a dMP of the Loam Serviosr. soar wer will be given written notice of dW chop which win spate the mum ad aakm of the new Loot Sm im, the addeass to which paymaks shadd be made and aogr other WomMa it MA t" Ittir?ea in oooaeatiom with a matins of trooskr of aetvkiag. N tit Nola is soid sad dwrnalker to Loan is smioed by a Loam Sav m other than die rmb w of die Note, the mortgage loan aarvipgg obligatioaa to Borrower will mmin vh& the Loan Se viper or be l ill end to a nmm Loan Sovim sod are not taatutsed by the Not punhour uolas otbet' m provided by Ibe Nose per. Neidtar Bommer nor Leader nkV conounce, join, or be joined to my jadww scum (era either at ie ividwl BOOM or the mealier of a class) flak auras from the other party's mom purtaglOt, to this Seatrity b ohnow or that diegos that the other pity has bseedsed say Pr's of, or any dory owed hY room of, this Sanrity hfmtrmmt. MW each Borfower or Leader boa noti0sd Or otter puty (with each notice given in coatplisaoe with the regoierneow of Section 1S) of arch albgei I - -I am ailtmW the other pasty Woo a nascnable period alkr the giving of arch zdw to take omwtwe awon. If Applicable Law provides a time period which mot lapse bedottn certain adim cm be trim. Hat limo period will be deemed so be r+etaomkk far purposes of this pae%Mk. 't'he notice of aaoderadon and oppottureiY to one given to Bomowbr parsomt to Section 22 sad the notice of now1wMan given to Bornmer parsons io Section 19 shall be dossed to sod* the notim red npportooity to t&kv eogteexhrt action WN sioe s of this Section 20. 21. Nmmr ama 944amem As wad in this Section 21: (a) mHuffiidons Sabi sox are rinse dnbatnces NOWed as toxic or hamdoas aubatanm, pounmbr or wastes by Bmiinummtd LM old ate folkwhe n3mbous: gasorm. faa?oaene„ other llsn>sm*b or toxic poubwn rode ts, toxic peaHddes said lnabicides, vohttile soihmn". mat i* ooasdsdag asbestos or fasataWehyde, and adio od" mstaids; (b) 'Envisonnined Lm" meow Word laws sad Iowa of ft lwisd!doa wham fix Property is !nested that rdate to bedldn, safety or envinanm nW prategion; (c) "ibsvannme" (2nnap' io*&@ MW rtsspWW salsa. fomsdial action, or rawval action, ere lensed in Tavirnemealel Law; sad (d) m -limbansisawl Condition" meads a eoniftlon that can canoe, eoatfibcme to, or olbawim trigger an Bavicnemeotal Ck=P• 1610867182 "NA(PA) menu we. +a or.e Pram me 7m+ OK 1974PG399I 03-20`09 13:37 FROM- T-753 P020/037 F-784 Burrower shall not ctatat: or pm* the pteseooe. use. dispoai, of rdem of mW Hasurdota Subatmaces, or d mssm to rdoom my 8saaardows ?bstsmoea. an of in Bon owar ahsil sort do, ner !r ae?yoae else m do Imp dtc (a) the Rain of iW ®wbumme tat wlh 0110106 as Bwhi ooa?tss . or c) vrbi , 410 eo Use pt+eeeees* we, as relwe of s Aaz61do109absteoos, cleaves a wo Hd mt dwt advecaely atom the vales at t11e P"perty Tea pmsoedimg two samtraces sittdl aiot apply m do pse,rdeotc awl, or dour on 160 Pmpertr of Ind! qusmtWes of Hmrdaos 9nhstassss brat areg? yt purawp hand 01 be ap/sapeiMs to amrssd levidam" wee sod 10 maiol0osooa of tbs Psopaty (totdctdigg. btu not limdts?d to, buseiidells ob6taoeas b tt011raioee podttras). Bonewa dull Ply Siva Iffier a teodoe of (a) ssy ' c1ai. dtstntld, ]nauit Howdow 31610ba any BnvhummmW Law off which ?Mr? hPq Pat" MY as jumd M sop N&Vhu=Md C.aoditioa, Wudtag but at lkWW m.?y ice, inlong, disoi?e. nlamss ar thlewt of n ban of llatdow 9ubstoo* said (a) any asatdidimi eaossd by the we or ntisss0 of a Munduss which advarsdy anow do V" at de y pry PAY . 701= is6ms, ar a wds5 d 11 t naocsssrY (07 my am-- necolow nmmpdy ramadhi atxiods aooordsoaeuqw a .Borer s66B?d or tdee all L ww for an >lovlmom?lC Btrvisammmtai Law. Kod&S heatao any obliptian on PION UMKWM COVBNANi`S Boraaww and Leader fotthw w"po at and agm as kdbows: Bsermw m's isNii r ssq mmomm or m*wimmot a .6ee16111" usilow 829ttis` 1ls ttwass I.sw 1NrrMtlii slMerdss}. I,rirr lsstwrrr of. 6?a¦-etl ew4m ertr ttMMpt e11m??(q iM tsstM6m io 1104 arrw??e tdt an tie dsllosit u11a1t le (0 *14 fdhm to =t So &b* u a7 A? ? s?eeelseod• of tie susses eserea 1y NW a" of &m ]lkslpisty. lLsowie loll l ee lalosos Wmaww of do to rd¦,laila sa0swnllao d?edssrra a[ +i 6r?taP P -11 11 !1 a11i &ONW&VIC i6rt is Bot owed mill s6 Ito ep-M ' V"Pre tsssfrmiaia?1 In ill of 1111 nlr asm mmod by tit w1lMsst dssslaod sold mw sA soetas tlds )wMrmo10t try joiaial I,s.der dwO bo m ditd to sedle0t silt eaBsos hiMRed i m t muunMt /rwrlii Y 1hi iM , tto - to, alesamgle has mind oasis tiff ewideecas Up tie sttlilst peeodlhd by I? XAW. 23. Malsom Upon pq=mt of ail saws accrued by dais Setwrity hwbu mint, this Swm* Joslrtmseot - 119 and the worse aamel0rod slap tetmumft sod become void. Ailey maxi ommum m, I.emder slail sod noddy dds 11omm msot. Borsoarsr trash psq dry reoosdVUtan com [fender iasa9 dssrge B?eeratsea a In far tLb 3teattity Iauom?. bot Qtly ii tie to is paid bo a Boni petty far scrvieea ttwdersd xW the dMrft of the doe 1s pe'tled mlda Law. 24. Wmireaa. Bamwer, to the e?sst byy /per Low, waives ad releasesaay error or m mm Iota p=Wft Mr of eaterartsos< thn?e, a o &oai , I-" and sac, ad humm"d as 25. Raft .. Whommost 2' Us'" Borrower's thue to admpue pwvi&d in Soudem 19 shalt -s-Ad to one Inrfttwmpror to the oommomeement of bidding at a sheriff's sale or o0w ride ptusoset to this Sbwrity 36. Asrliaae Mona Nimipp. If mW of the debt seated by tbds Seeatity Iaousoeot is lmmt to Bmwww to =qdm title to tbo Property, No S w ty kwo sarmo shall be a ptaehoic magasty 27. Ller+sat Bolo Attar Jtsdpe t. Borrower a?tm dart the bmwou rase psaable alter i is nuwW on the Now or In an motion of mort ep ibrsdowme shat! be the rate pgyok fmom time to time wader the Note. 1010867181 ?Airo6oal Mp,,aMt? wYM,: Fwm 90J9 1101 BK t 974PG3992 03-20-` 09 13:38 FROM- T-753 P021/037 F-784 Swuft BY SIGNING BEWW, Bomma weep, tmd to dw immti and covenants ccepined w thin Eagm qo g and in nay Rider execoW by Bommw and neooaW with it, W9toerees: - (Beni) -bmeowtr (&&I) (seal) •Bmmwer -Banower _ (Seal) -Horrowa (W DmVowe (Sul) (W) -Bunowor 4MFx & 4%4MMJ M5019 rmnlogfN BK 1974PG3993 DAWN M CAREY () -6orrowet 1010867181 Pam son 1101 03-20-'09 13:38 FROM- C.'ONMONWXALTS CW PL*94 LVAMA, 04-'1 i On this. dw - ?4i day of OV ..?? .2114 vadasiBoed offices. pe.?sooaliy sPpaaed 01 A w n M. Cam t T-753 P022/037 F-784 Cesmly as: , before me, the bows to me (or saais wwrily p mven) to be the pmun(s) whose name(s) irhme mdWXAa to the within honumes[ and aaitaowkdaed that hWdwh oy execated 0ae same for the Paupaasa halo ooatained. IN Wnmm W®RBQF. I haunno set my had sad offitw seal. MY Cmnmission Expires: w MfH of-amsy atria MMY, K P01". Now y puma NMI 11 CWAW tkt1 tfrCaaslMsuan i:aPMssAW.16, 2OU L%Mt sr. PsmmAWAms AsIOCW on Of ~W (* ti![ede at ltsddaaa I' . do haas6y catity flint the eo?rax address of ?e within-muaod Mortgagee is P.O. Box 2016, Flint, MI 48501-2026. Witness my hand this day of Apo of YoropSo ?il11P/11 "M r p. s oa 8KI974PG3994 1010867181 lmbm Sum 3M vol 03-20-'09 13:38 FROM- T-753 P023/037 F-784 SCMDULE A CONTIlNM ALL THAT CERTAIN lot or kid of ground situate in Noah Middleton Township, Cumberland County, Conmaonwaft of Pmnsylvamia, more pwdmia1y bounded and dcwrt'bed as follows: BEGINNING at a point an the no*a d&-of--Way line of Proust Drives Notch at the dMdbng Iiae of Lob No. 85 amt 86, as shown on a final subdivision plan afphassat Run Estates, Plisse n ik Phase ID, as nwowded in Plan Boot 29, page 7; the.ooe by aforesfdd Nord= *bt of-way lim, South 83 degras 10 miqutea 21 seconds East 18.00 fed 10 a point oft do western late of Lot No. 87; dmoe by shnsaid line, North 06 depress 49 minutes 39 seconds, East 140,00 to a point tbasce; Nor* 83 dtgres 10 m inulea 21 eeoonds Watt 18.00 feat to s point oft the Ea km lime of Lot No. 85; thenoe by aforesaid lie, South 06 degrees 49 ntinuum 39 seconds West 140.00 feet to a point being the place of BEGINNING. BEING Lot No.86, on a Final Subdivision Phn of Pheasant Run Esttfas, Phase Q and Phase IM as :recorded in Pop Book 29, page 7. HAVING fit= on emceed a townhouse dwelling known and ntmtberml as 1122 Pheaaoat Drive North, Carlisle, PA 17013 BEING the same premism which Alphonso Ja*mn, Secsattory of Housing and Urban 13mlopu mt, of Washington D.C., by Shmnw ca Harris by deal dated Mauch 21, 2006, sad recouled in Cumberland County, Pennsylvania Deal Book 273, Page 3998, granted and oonveyed unto Elizd a pugs. 3ohWW* "A" Continued - Cammitmmt No. 12226.1 $KI974PG3995 03-20-'09 13:38 FROM- T-753 P024/037 F-784 ADJUSTABLE RATE RmR MIN: IaaablOIttssnais ( AKW Sft-M .th lntkz (As mad Im TJIr. Wmff&a+raJan m!}Rste Caps) 2 YEAR RAT19 LOCK, 5 YEAR tMIt ST aNLY PLiItYOD THIS ADJ[TSTABLE RATS R ER is made thin 27th day of Nw4sn*w, =000 and is inearporated into and shalt be deenmd to unead and snppkmmat *6 hlor% tile, Dad of Trust, nor Sea u* Deed (dw "SMAnty Instr ") of dw sarm date given by tbt mulcu gated (" BoaawW) to seem Bormwaa's Adjubble Rate Note (the "Note") to Nrts? (MW) t 0=pddsoe aad1w", rmgg &c property downbed is the Secua by Luttamew and loeat:ed at: 1122 PHRASANT ? Cafitrb„ PA 17013 THE NOTE CONTAINS PROVMKM ALLOWMIR FOR CMAN©ES IN THE 1N7'll ST RATE AND THE MONTHLY PAYMM. THE NOTE LIMI'ti'M THE MA)OMIIM RATE 9d R.C. M R MUST PAY. ADDIMONAL COVENANTS. Lt addition to the covenum and agmemews mach: era the Security Inffftemaat; Bod vww and Lander further covenant and agree as 8r'llom: A. EVEMU ST RATE AND M0PaW V PAYMENT CHANGES The Noss provides Jbr an initial W mw rate of 7,0 !6. The Not changes in So inswn rota end maniNy psynaewts as follows provides for 4. Ilw'iMUST RATS AND MONTLLLY PAYNZNT CHANGES (A) Chmp Dates Tht interest rate I will pay atmy ebmse on the first day of DoMmimr. 2004 and on the same day of avmy 61h mom* *mcafk r. Each " on which my intisreat me caald cLsnga is called an "Intern Rate amore Date.' (B) T Index Begiuoing with flit first bAcreeat Rate Cbup Da % my wher+est rate will be based an an Index plsu a nmgm The "bdest" is the avenge of iaterbalr affmd sates flit a&-==& dOWr deposit in the Londm =d M ("LIBOR"), u pa badked me ffm WOO Mr &d ./annul "Maury Rues" Tabu Tie wort mm Index Apm avWkbic as of the fist business day of foe =or& immedimeiy pre vft t1m morr8t in which ibe lftrest RM C WWV Data WMM is called &C u0mm at Index" If the 1aiddK is no loggia availablc, the NOW Holder will dmxw a new index that is based upon canVamble inform¢tiam 71he Note Holder will gives me notice of this tholes. NCMC FbMW copM Six Moat LtaOR RSWtt (631WS) Pop 1 of3 1010mill -'?`- SKI974PG3996 03-20-'09 13:39 FROM- T-753 P025/037 F-784 (C) Cdexiatioa of Chenre On each hdMot Bate Change Date, dw Note Holder will calculate my new interest fate by addhig Sit And Fho HwWkdWA P01=101480 Poiw ( Lao %) to this Cureast bdax. The NOW Solder will then found tltlt Agm to the mascot ome-eighth of oats pesteump t (0.125%). Sob)= to *0 limits sbftd in Sac6n P°I° 4(D) belorv? this amwrt ws716e my new intdrgt ssb imiil the next Interest Rate Cheap Date. (1) l -0nb Period. The "rnta<irst-only Period" is flat patad ftm the date of this Note Devendw 1, 1811, called elan "Amonkstion Start Due." Do ft rye hand-only pa-:t me my 3' Payer will only pay the i menest I owe. DM* an (otereaa * P "'oil, rho Noe Holder w® calatlabe the amount of my snowily past to be ario two (MV) of am (1) year's interest at the tom udmeat rate. The neeulr of this utlwlahoa will be flu ansaamt of MY =UtwY Payer ?hangad. (0) A,mwdzsdm Perbd. Beginning on the Amortization Date my monthly payments wM mcluda Principal- Stashing on the Amortisation Sort Data and condwAing umil die Maturity Date, on each Isateet PAW Map Date the Note Holder witi calcsdele the amount of do moody payment flat would be suf6dent to My repay die ressaiumg wq*d prlu*eil in agwl, monthly Payments by the Maturity Data at Ow new attenest at. atsumin& for purposes of enek caleuladoo, that die ioWtot rate did not c mmp age& The monk of this csla kd= will be the new amount ofmy monthly paymo# unM the next hft=t Rate Menge Date. (D) Limit on interest Bate cha rose, The 'noes' rata I am required to Mat the Srst Change Data will not be 1 rea6er than gms % ar less than 7.W %. T r, say ivber+est rate w91 never be increased or decreased an sly sire letwest Rate Menge Date by manse d>sn one and one half peroseap Pointe (h.3%) Run the rstte of ialtaat I have been p21YU19 fur be PAS mordh. My interest rate will never be grater than 14AM % or tees tbm 7AI %, ($) B>rectlve Date of Changes My new interest fife will becww effective an each hdom Irate Change Date. I will pay the amormt of my new moodily Payer beginnag on the first messoy p onwt dab aft the In mzt Bate Change Data amgl fie amount of MY WMft payment +lianga again. (P) Notice of changes The Note Holder will deliver or mail to me a notice of soy cbanges in my, I - , mate and the emasmt of nay momhly payment at Iast 25 days be: bin the eMIxtive dab of any dwp. The notice wM inside ifasmatim required by haw to be given to me and also the We and answer any gneadone I may have mgstding the notice. telephone m>mber, of a parson who wt71 IL GOV$.MNG LAW - SBCUMD NOTE Tic Note is govesned by fedewt haw and the law of the jmis&cdM to wbioh die ateumhaed &e N (as doused below) is basted. Jas addition is bur pnbat ?to MW Note Hddsa under Me Moriage. Deed of Lust or geovity (the "Sanity . dated be ease deb as the Nobs 1a die Nobs IfloWor from ?ti ma I p which I malts is the Nos. That Seeatsity ? desmw'beeshbowmigshtod orlt derif do not bap rye vvyat oosseWnaa I mq be rcquhod b ittelle immediate payment in ff4U of all a nowds I owe under the Note. SSoaiie of Oiose conditions are de*wIW as follows: N EMC sews wow slat M=& i moR peas 2 o0 707dM77t11 tsawot 0 alder (r?i"hu) ??'?' ? r?f 974PG3997 03-20-'09 13:39 FROM- T-753 P026/037 F-784 8. TRANUM OF T= PROPKRTY OR A SBNgPICLAL INTZRWr IIq NORWVMR. . Uniform Coveoam I I of tie Security Insfsun= is amended to read as follower: Tro.dar of Me PrOPN* err a >raaae N Drat iR >fot r"W If allor pert of the or any interest in it is sold or trmuhrred (or if a bpi ioterea in Bosrow?sr is acid « ?atrower is not a nabaal person} without Lem bas pja wrg" cuosoo, Lender may, at a option. re 1 - u omdisle payment in fall ofall sums wcuW by"SSww* bwaumamt. Ha never, tbie "lion "act be exAnieed by La" r if w rcim is prohibited by %deral law ea of the dace of this Sam nW Jastrumeut. If Leader eatemises d9a option, Lmder abali givo Harrower notice of aaeelriom. The noom sbali rimile a period of act lees than 30 drys *M Ilm daft the notice is "voted or soaiied wkbio which BonVW Haut pay all ? weed by this S.cA* InsaaMML If BWOwer A& to pay b= some prior tiD the asp om of Ilos pod4 )reader nay invoke any remedies persairied by Ibis Seawih• hu& maut withaa thrther nodoe or demand on Bonm w w. BY SIGNING BELOW, Borrower aamb sad aprm to the tams and covenants contained m this A4tlatablc Rate Rider. DAWN N CANY 4kffmw -ate (Sign oft9fta OW WCHC PbN&ARM aiz MM6 LOOR hNINwr Rim OIN/1W) 3 p 1919mll" 03-20-'09 13 ; 39 FROM- . . T-753 P027/037 F-784 UM. IM61Bl10uM71818 PREPAYMENT RIDER ADJUSTABLE RATE LOAN M& 1'rop Wnmt Rider is made this 27th diq of Novo bar 2006 , and is kcagwased into end Ann be dewed to aMond nand napplmlaast *0 Prnmiwmy Now (de "Nola') and Mortgage, Deed of Trot or Sammy Deed (do -Security L omment) of the ssm,e " given by the tmde dvnd (the "Bwmwee) to now repayment of Botrvwets Note to NNW cm ar?t ory maz tga+Qs>: corporati oat (Wa "Lender"). To ft 0*9 dot lho p?c?va . of this Preptlymaat Rides are hmmiaaaot with the prvvieicm of the Note satdlar Seauity Is kmgmt, ie provuwm 0 this rider AaII prevail over and shall suparaade vary arch inconudot p wmions of ft Note an&or Sommity bmm dut. in addition to the covenom and asmane m made m the Note and Security Instmtn ik the Borrower and Lender rwAff cwram t std some as follows: 3. >r0lR1mWA@$ XK;RT TO PUPAX I have the HSM b awake propsyssomm otprhdpal ary? dm hd m tboy are do& A payasest of anly k known as a "prepttymost". Wbas I mate a p Mpmym@m4 I WE UN the Nate Hater In I dsi?g oe. The N4ft Ndder w0 ma a®ai ay? prepaynenk too rsdaeee do a mud etprlw4al And Y ante ruler this Nose. It I sa ve a partial pargeywm06 there w0 be no silo- gasp has do dse defies star m oft pgmmbs sdem: an Now )hallo:' aWoes In ws" tb those dm pos. My partlni prepsymeat mq roltree the amoud of idy? *so* pgnmb filer the tint Cheap Aare ib>fawlag say pewM p vpmymeat. Hwidda 2 year(s) kom the date of e:eeadea of the Seessity hwhmomat I make a Gall pwpym out ow, In corMs wee a pvrlW prepatymeat, and the tattl of such prepayaea(a) is mW 12 wAath period nook TWENTY PZRCENT (20'X.) of dw arklmal principal amaot of till leas, T win pay a prapsyssewt sharps d as amount etlaai bs the pyatsat e[ ale (i) aeeaShs aMrasee inbreda eLe ammusudby which flee Sod of my prsp*jm ml(s) witbb that I2-month period e=eseds TWXN Y PIMCENT (20%) of the original principal am mt of the lean. B t::rTM BELOW, nwgo and wm to the tam and eovetmw oeatai od m thin Rider. n1wit cu" 6T_ I Certify this to be rocorded n Cumbe d. Cm#Y PA RecoMer of Deeds p Mader, ARM (Muhiftm) pale 1 oft 1010867181 1116103 (oeolol) t% -9 Vv Sheriffs Office of Cumberland County R Thomas Kline ?xp of ?.Itmbrrl??p? Lawara L bcnorpp Sheri Solicitor Ronny R Anderson `` '`?'• Jody S Smith Chief Deputy OFFICE QF THE $ttERiFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 03/27/2009 08:15 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 27, 2009 at 2015 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the with named defendant, to wit: Dawn M. Carey, by making known unto herself personally, defendant at 1122 N. Pheasant Drive Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $32.50 SO ANSWERS, -00110 -Irlop Ile March 30, 2009 2009-1900 DEUTSCHE BANK VS DAWN M. CAREY R THOMAS KLINE, SHERIFF By Deputy Sheriff T' 11 (OF .. . ". MAN-1 "1* 24 mom"W"8z" * MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 4837 Watt Avenue, Suite 100 No. Highlands, CA 95660, Plaintiff, Vs. Dawn M. Carey 1122 Pheasant Drive North Carlisle, PA 17013, Defendant. for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term PRAECIPE FOR JUDGMENT, INREM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Dawn M. Carey, Defendant, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $107,419.46 Interest 3/26/09 through 04/30/09 918.00 Late Charges 38.78 Additional Corporate Advance 733.00 TOTAL $109,109.24 I hereby certify that (1) the addresses of the Plaintiff and Defendant is as shown above and (2) that notice has been given in accordance with Rule 237.1. copy attached. '4?ita Mary L. Harbert-Bell, Esquire Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: ?i&_? P OTHONO 4 MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, Vs. Dawn M. Carey, Defendant. TO: Dawn M. Carey 1122 Pheasant Drive North, Carlisle, PA 17013 DATE OF NOTICE: April 20, 2009 Our file number: 55.10164 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. {00340656} Page I of 2 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILSTEAD & ASSOCIATES, LLC y: Mazy L. Harbert-Bell, Esquire ID No. 80763 Attorney for Plaintiff f IMPORTANT NOTICE 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 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 paper to your lawyer at once. If you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. 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. {00340656} Page 2 of 2 ?'"^ 11"'f" 1 1 4X1""1 "A iY 2699 IAA ° I Ah E0' 1 :+ C ?'TY pd, / //, C,?? s9 a99 l?(G?iCP 4?lD?J? OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Dawn M. Carey Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term Plaintiff, Vs. Dawn M. Carey, Defendant. NOTICE PURSUANT TO RULE 236 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 as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: MARY L. HARBERT-BELL, ESQ. #80763 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, Vs. Dawn M. Carey Defendant. CIVIL ACTION NO.: 09-1900 Civil Term PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of CUMBERLAND County; 2. Against the Defendant(s) in the above-captioned matter; 3. and index this writ against the Defendant(s) as follows: Dawn M. Carey Real Property involved: Amount Due Interest from 5/1/09 to 9/2/09 at $17.94 per diem (6%) TOTAL (Costs to be added) DATE: May 26, 2009 1122 Pheasant Drive North Carlisle, PA 17013 $109,109.24 Respectively submitted, Milste d & Associates, LLC ?Mk ary L. Harbert-Bell, Esquire Attorney for Plaintiff 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 {00348887} 0 .J? ?' 1.. ?? ?p j L.? R 26, 00 Y . Fi ` J U,50 apr ITS. 50 14.00 u a. 50 151.5a .P.ODOue.L'a So t.l- 00 &OD5' C MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, Vs. Dawn M. Carey, Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 STATE OF PENNSYLVANIA COUNTY OF CUMBERLAND Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 1122 Pheasant Drive North, Carlisle, PA 17013: 1. Name and address of Owners(s) or Reputed Owner(s): Dawn M. Carey 1122 Pheasant Drive North Carlisle, PA 17013 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: {00348887} .to None Known 4. Name and Address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 (Plaintiff herein) 4837 Watt Avenue, Suite 100 No. Highlands, CA 95660 MERS, Inc., as nominee for New Century Mortgage Corporation 3300 SW 34th Avenue, Ste. 101 Ocala, FL 34474 MERS, Inc., as nominee for New Century Mortgage Corporation 18400 Von Karman, Ste. 1000 Irvine, CA 92612 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant 1122 Pheasant Drive North Carlisle, PA 17013 Department of Domestic Relations Cumberland County Courthouse 13 N. Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 I verify that the statements made in the 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. 04 Mary L. Harbert-Bell, Esquire Attorney for Plaintiff Date: May 26, 2009 {00348887} 2 'CD3 'i , i L,Y 2 7 P 1 1 : 21 u MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, Vs. Dawn M. Carey, Defendant. TAKE NOTICE: Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term NOTICE OF SHERRIF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 Your house (real estate) at 1122 Pheasant Drive North, Carlisle, PA 17013, is scheduled to be sold at sheriff's sale on September 2, 2009 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $109,109.24 obtained by Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be 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 may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). {00348887} 4 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 Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. 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. 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 to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that 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. 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 YOU 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 Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 55.10164 {00348887} 4 ALL THAT CERTAIN lot or tract of ground situate in North Middleton (erroneously referred to as North Middletown on previous deed) Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the northern right of way line of Pheasant Drive North at the dividing line of Lots No. 85 and 86, as shown on a Final Subdivision Plan of Pheasant Run Estates, Phase II and Phase III, as recorded in Plan Book 29, Page 7; thence by aforesaid Northern right of way line, South 83 degrees 10 minutes 21 seconds East, 18.00 feet to a point on the western line of Lot No. 87; thence by aforesaid line, North 06 degrees 49 minutes 39 seconds East, 140.00 feet to a point, 83 degrees 10 minutes 21 seconds West, 18.00 feet to a point on the Eastern line of Lot No. 65: thence by aforesaid line, South 06 degrees 49 minutes 39 seconds West, 140.00 feet to a point being the place of BEGINNING. BEING Lot No. 86, on a Final Subdivision Plan of Pheasant Run Estates, Phase II and Phase III, as recorded in Plan boot 29 Page 7. Being known as 1122 Pheasant Drive North, Carlisle, PA 17013 Tax Parcel Number: 29-17-1583-074 {003488871 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 09-1900 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee under POOLING AND SERVICING AGREEMENT DATED AS OF 4/01/07 SECURITIZED ASSET BACKED RECEIVABLES LLC TRUST 2007-BR2 MORTGAGE PASS- THROUGH CERTIFICATES, SERIES 2007-BR2, Plaintiff (s) From DAWN M. CAREY (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 $109,109.24 L.L. $.50 Interest from 5/01/09 to 9/02/09 at $17.94 per diem @ 6% Atty's Comm % Due Prothy $2.00 Arty Paid $151.50 Other Costs to be added Plaintiff Paid Date: 5/27/09 Curtis ARng, Prothon (Seal) By Deputy REQUESTING PARTY: Name: MARY L. HARBERT-BELL, ESQUIRE Address: MELSTEAD & ASSOCIATES, LLC 220 LAKE DRIVE EAST, SUITE 301 CHERRY HILL, NJ 08002 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. 80763 Sheriff s Office of Cumberland County R Thomas Kline Sheriff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor ~ptit~'t;``' of t': ~u~atrrflry1~ j. QFFIf:E ~~~ 3r ~_ S.~-E~21F~ ~C ~~~T~ ~~~~~~Y 2449 SAP _g ~~110~ 3 7 p~'J~v~SYL'1A~IA Deutsche Bank National Trust Company Case Number vs. 2009-1900 Dawn M Carey SHERIFF'S RETURN OF SERVICE 06/20/2009 08:32 AM -William Cline, Deputy Sheriff, who being duly sworn according to law, states that on 6/20/09 at 0830 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 Dawn M. Carey, located at, 1122 Pheasant Drive North, Carlisle, Cumberland County, Pennsylvania according to law. 07/13/2009 02:32 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on 07/13/09 at 1432 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: Dawn M. Carey, by making known unto, Dawn M. Carey, personally, at, 1950 A Fry Loop Avenue, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her personally. the said true and correct copy of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that this writ is returned STAYED, per letter of instruction from Attorney Harbert-Bell. 08/12/2009 Property sale cancelled on 8/12/2009 SHERIFF COST: $1,945.62 September 04, 2009 ~~ °~'f ~ ~ I SO ANSWERS, ~~°z J!~ :-~ R THOMAS KLINE, SHERIFF DUU't'' ~-~~~ ~~ ~~7~ z ,.:731',3,5'1 )• MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856)482-1400 Attorney for Plaintiff Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 Vs. Dawn M. Carey, Defendant. STATE OF PENNSYLVANIA COUNTY OF CUMBERLAND Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 1122 Pheasant Drive North, Carlisle, PA 17013: 1. Name and address of Owners(s) or Reputed Owner(s): Dawn M. Carey 1122 Pheasant Drive North Carlisle, PA 17013 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: {00348887} None Known 4. Name and Address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2 (Plaintiff herein) 4837 Watt Avenue, Suite 100 No. Highlands, CA 95660 MERS, Inc., as nominee for New Century Mortgage Corporation 3300 SW 34~' Avenue, Ste. 101 Ocala, FL 34474 MERS, Inc., as nominee for New Century Mortgage Corporation 18400 Von Karman, Ste. 1000 Irvine, CA 92612 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant 1122 Pheasant Drive North Carlisle, PA 17013 Department of Domestic Relations Cumberland County Courthouse 13 N. Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 I verify that the statements made in the 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. n /!~ Mary L. Harbert-Bell, Esquire Attorney for Plaintiff Date: May 26, 2009 {00348887} MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2, Plaintiff, Vs. Dawn M. Carey, Defendant. Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 09-1900 Civil Term NOTICE OF SHERRIF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 TAKE NOTICE: Your house (real estate) at 1122 Pheasant Drive North, Carlisle, PA 17013, is scheduled to be sold at sheriff's sale on September 2, 2009 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $109,109.24 obtained by Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass-Through Certificates, Series 2007-BR2. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much you must pay, you may call 856-482-1400. 2. You may be 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 may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). {00348887} 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 Sheriffls Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4. 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. 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 to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that 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. 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 YOU 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 Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 55.10164 {00348887} ~ __ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 09-1900 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee under POOLING AND SERVICING AGREEMENT DATED AS OF 4/01/07 SECURITIZED ASSET BACKED RECEIVABLES LLC TRUST 2007-BR2 MORTGAGE PASS- THROUGH CERTIFICATES, SERIES 2007-BR2, Plaintiff (s) From DAWN M. CAREY (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 $109,109.24 L.L. $.50 Interest from 5/01/09 to 9/02/09 at $17.94 per diem @ 6% Atty's Comm % Due Prothy $2.00 Atty Paid $151.50 Other Costs to be added Plaintiff Paid Date: 5/27/09 Curtis R. Long, Prothonotary. (Seal) B / Deputy REQUESTING PARTY: Name: MARY L. HARBERT-BELL, ESQUIRE Address: MELSTEAD & ASSOCIATES, LLC 220 LAKE DRIVE EAST, SUITE 301 CHERRY HILL, NJ 08002 Attorney for: PLAINTIFF Telephone: 856-482-1400 Supreme Court ID No. 80763 Real Estate Sale # On May 28, 2009 the Sheriff levied upon the defendant's interest in the real property situated in North Middleton Township, Cumberland County, PA Known and numbered as, 1122 Pheasant Drive North, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: May 28, 2009 sy: Re stat or ina r '~~/~ , J C. _ (--,~ p : .. ~ ~ /for, C ~' ~ 1I111 1~" „ ~ ` .ll 4,,~, ~~ ~~ "' V~ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 24, July 31 and August 7, 2009 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. r isa Marie Co ,Editor SWORN TO AND SUBSCRIBED before me this 7 day of August, 2009 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commission Expires Apr 28, 2010 REAL ESTATE 8ALE NO. 14 Writ No. 2009-1900 Civil Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR2 Mortgage Pass Through Certicates, Series 2007-BR2 vs. Dawn M. Carey Atty.: Mary Harbert-Bell ALL THAT CERTAIN lot or tract of ground situate in North Middleton (erroneously referred to as North Mid- dletown on previous deed) Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the northern right of way line of Pheas- ant Drive North at the dividing line of Lots No. 85 and 86, as shown on a Final Subdivision Plan of Pheasant Run Estates, Phase II and Phase III, as recorded in Plan Book 29, Page 7; thence by aforesaid Northern right of way line, South 83 degrees 10 min- utes 21 seconds East, 18.00 feet to a point on the western line of Lot No. 87; thence by aforesaid line, North 06 degrees 49 minutes 39 seconds East, 140.00 feet to a point, 83 degrees 10 minutes 21 seconds West, 18.00 feet to a point on the Eastern line of Lot No. 65: thence by aforesaid line, South 06 degrees 49 minutes 39 seconds West, 140.00 feet to a point being the place of BEGINNING. BEING Lot No. 86, on a Final Subdivision Plan of Pheasant Run Estates, Phase II and Phase III, as recorded in Plan boot 29 Page 7. Being known as 1122 Pheasant Drive North, Carlisle, PA 17013. Tax Parcel Number: 29-17-1583- 074. The Patriot-News Co. °- 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 The ~latriot News Now you know 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: 07/24/09 Sworn to an subscribed before me thi fa~~y of August, 2009 A.D. // ` ,- s ~_ . ,-- ~~-- " \" Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sherrie ~ 4Cisner, Notary Public City Of Harrisburg; Dauphin County My Commission E~ires Nov. 26, 2011 07/31/09 08/07/09 Member, Pennsylvania Association of Notaries Sala No. 14 WrR No. 2009-1900 Clvll Term Deutsche Bank National Trust Company es Trustee under Pooling and Servicing Agreement dated as of April 1, 2007 SecurRlzed Asset Backed Receivables LLCTrust 2007-BR2 Mortgage Pass Through Certlcetes, Series 2007-BR2 vs. Dawn M Carey Arty: Mary Harbert-Bell ALL THAT CERTAIN lot or tract of giound situate in North Middleton (erroneously referred to as North Middletown bn previous deed) Township, Cumberland County, Commonwealth of Pewsylvazda>, more particulazly bounded and described az follows: BEGINNING at a point on the northern right of way line of Pheasant Drive North at the dividing line of Lots No. 85 and 86, as shown on a Final Subdivision Plan of Pheasant Run Estates, Phase II and Phase III, as recorded in Plan Book 29, Page 7; thence by aforesaid Northern right of way line, South 83 degrees 10 minutes 21 seconds East, 18.00 feet to a point on the western line of Lot No. 87; thence by afomsaid line, North 06 degrees 49 minutes 39 seconds East, 140.00 feet to a point, 83 degtees 10 minutes 21 seconds West, 18.00 feet to a point on the Eastern line of Lot No: 65: thence by aforesaid line, South 06 degrees,49 39 aKeondt West, 140.00 feet to a point being rite plaice of BEOII'iNING. BBING Lot i1o. 8~, on a Fial Subdivuion Plan of Phearsaut Run Eetaoea, Pbae II a~Pbaae III, au recorded in Plan boot 29 Page 7. Being known as-1122 pheasant Drive North, Carlisle, PA 17013 Tax Parcel Number. 29-11-1583-0'I4