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09-2891
,v IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES ITF RAST 2006-A3 460 SIERRA MADRE VILLA AVENUE, SUITE 101 PASADENA, CA 91107 COURT OF COMMON PLEAS CIVIL DIVISION TERM NO. 6 9 - off --" l C, ?,?• 4e-,r o t Plaintiff, V. JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 AND JOSHUA KESLER 245 NORTH 25TH STREET CAMP HILL, PA 17011 Defendants. CUMBERLAND COUNTY CIVIL ACTION - COMPLAINT TO QUIET TITLE 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, 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. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (800)990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST ) COMPANY AS TRUSTEE UNDER THE ) POOLING AND SERVICING AGREEMENT) SERIES ITF RAST 2006-A3 ) 460 SIERRA MADRE VILLA AVENUE, ) SUITE 101 ) PASADENA, CA 91107 ) Plaintiff, V. COURT OF COMMON PLEAS CIVIL DIVISION TERM NO. Q °f 01- ?!! ';4"l 'tAra? CUMBERLAND COUNTY JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 AND JOSHUA KESLER 245 NORTH 25TH STREET CAMP HILL, PA 17011 Defendants. CIVIL ACTION - COMPLAINT TO QUIET TITLE NOW COMES Plaintiff, Deutsche Bank National Trust Company As Trustee Under The Pooling and Servicing Agreement Series ITF RAST 2006-A3, by and through its undersigned attorneys, and files this Complaint, averring in support thereof as follows: PARTIES 1. Plaintiff is Deutsche Bank National Trust Company As Trustee Under The Pooling and Servicing Agreement Series ITF RAST 2006-A3 (hereinafter "Deutsche Bank"), which maintains an address at 460 Sierra Madre Villa Avenue, Suite 101, Pasadena, CA 91107 2. Defendant, Jeannie B. Mohmand, is an adult individual believed to residing at 4020 Lisburn Road, Mechanicsburg, PA 17055. 3. Defendant, Joshua Kesler, is an adult individual believed to the record owner of and residing at 245 North 25th Street, Camp Hill, PA 17011. STATEMENT OF FACTS 4. On or about October 26, 2005, Jeannie B. Mohmand borrowed $292,000.00 from Lancaster Mortgage Bankers in order to complete the purchase of the property located at 245 North 25th Street, Camp Hill, PA 17011 (hereinafter "Property"). 5. As security for the Lancaster Mortgage Bankers loan and as a material condition thereof, Jeannine B. Mohmand executed a mortgage (hereinafter "Mortgage") and promissory note on the Property. A true and correct copy of the Mortgage is attached hereto, incorporated herein, and marked as Exhibit "A". 6. The Mortgage was recorded with the Recorder of Deeds for Cumberland County on November 1, 2005 at Mortgage Book No. 1929, Page No. 916. 7. On October 26, 2005, Lancaster Mortgage Bankers executed an Assignment of Mortgage to Mortgage Electronic Registration Systems, Inc. (hereinafter "the Assignment"). The Assignment of Mortgage was signed by Darlene Pereira, Vice President of Lancaster 2 Mortgage Bankers, and notarized by Rebecca M. Gonzalez, a Notary Public of New Jersey. A true and correct copy of the Assignment of Mortgage is attached hereto, incorporated herein, and marked as Exhibit "B". 8. Upon review of the public record, Plaintiff believes and therefore avers that the Assignment was inadvertently never recorded with the Recorder of Deeds of Cumberland County. Further, Plaintiff has been unable to locate the originally executed Assignment, although a copy of same has been located. See Exhibit "B". 9. In accordance with the applicable law and after acquisition of the Mortgage and Note, on November 1, 2006, Plaintiff initiated foreclosure proceedings against the Defendant, Jeannie B. Mohmand in the Court of Common Pleas for Cumberland County at No. 06-6376 (hereinafter "Foreclosure Action"). A true and correct copy of the Complaint in Mortgage Foreclosure is attached hereto, incorporated herein, and marked as Exhibit "C". 10. Plaintiff obtained a default judgment in its Foreclosure Action on December 27, 2006 in the amount of $308,691.96. A true and correct copy of the Default Judgment is attached hereto, incorporated herein, and marked as Exhibit "D". 11. Subsequent to initiating its Complaint in Mortgage Foreclosure and prior to any Sheriff Sale, Plaintiff filed an Affidavit of Lost Assignment of Mortgage with the Recorder of Deeds for Cumberland County on July 5, 2007, which was accepted and logged at Book No. 0738, Page No. 1543. A true and correct copy of the Affidavit of Lost Assignment of Mortgage is attached hereto, incorporated herein, and marked as Exhibit "E". 12. Prior to execution upon Plaintiff's judgment, Defendant, Jeannie B. Mohmand, conveyed the Property subject to the Lancaster Mortgage Bankers Mortgage, the Complaint in Mortgage Foreclosure, and the judgment to Defendant, Joshua Kesler for $10,000.00. A true and correct copy of the Deed is attached hereto, incorporated herein, and marked as Exhibit 'F', 13. Upon information and belief and at all times relevant hereto, Defendant Kesler knew or should have known that the Property was subject to Plaintiff's Mortgage in the amount of $292,000.00 and that his purchase was subject to the Mortgage and pending Foreclosure Action. 14. Prior to the scheduled Sheriff Sale of the Property, Defendant Kesler interjected himself into the Foreclosure Action and argued that Plaintiff's title to the Mortgage was incomplete, and therefore it could not move forward with its Foreclosure Action. 15. Plaintiff stayed the Scheduled Sheriff Sale by agreement with Defendant Kesler and immediately commenced a review of its loan documents and file concerning the Lancaster Mortgage Bankers Mortgage. 16. Upon further review of its file and after a diligent search, Plaintiff located a copy of Assignment of Mortgage from Lancaster Mortgage Bankers to Mortgage Electronic Registration Systems, Inc., but could not locate the original of said document. 17. Plaintiff now seeks to supplement the existing public records with the newly discovered Assignment. COUNT I - ACTION TO QUIET TITLE Deutsche Bank v. Jeannie B. Mohmand and Joshua Kesler 18. Plaintiff incorporates by reference Paragraphs one (1) through seventeen (17) of its Complaint as if fully set forth herein. 19. Rule 1066 of the Pennsylvania Rules of Civil Procedure provides this Honorable Court with broad discretion to, inter alia: 4 (13)(1). "order that the defendant be forever barred from asserting any right, lien, title or interest in ... land inconsistent with the interest or claim of the plaintiff set forth in the complaint"; (B)(2). "enter a final judgment that a document, obligation or deed affecting a right, lien, title or interest in. . . land is cancelled or is valid, invalid or discharged"; (B)(3). "order[] the defendant, the prothonotary, or the recorder of deeds to file, record, cancel, surrender or satisfy of record ... any plan, document, obligation or deed determined to be valid, invalid, satisfied or discharged, and to execute and deliver any document, obligation or deed necessary to make the order effective"; and (13)(4). "enter any other order necessary for the granting of proper relief." Pa. R. Civ. P. 1066(b)(1)-(4). 20. Defendant Jeannie B. Mohmand executed the Lancaster Mortgage Bankers Mortgage, which has been recorded with the Recorder of Deeds for Cumberland County. 21. The Mortgage was subsequently transferred to Mortgage Electronic Registrations Systems, Inc. by virtue of the executed and notarized Assignment of Mortgage. 22. The Assignment of Mortgage, through no fault of the Plaintiff, has not been recorded, although a Lost Assignment Affidavit has been recorded. 23. Plaintiff seeks to supplement the existing record by recording a copy of the Assignment of Mortgage. 24. Plaintiff is without adequate remedy at law and will suffer irreparable harm unless the requested relief is granted. WHEREFORE, in accordance with Pa. R. Civ. P. 1066, Plaintiff, Deutsche Bank, respectfully requests that this Honorable Court enter an order which: a. directs the Recorder of Deeds of Cumberland County to accept and record a copy of the Assignment of Mortgage from Lancaster Mortgage Bankers to Mortgage Electronic Registration Systems, Inc.; and 5 b. afford such other relief as the Court deems necessary and proper. Respectfully PHELAN HALLN4N & S By: Daniel G. Schmieg, , Pa. I.D. No. 62205 Joseph P. Schalk, Esq. Pa. I.D. No. 91656 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103 Phone (215) 563-7000 DATED: May 4, 2009 6 EXHIBIT "A" Dot 24 06 02:04p Jody Conrad 717-957-4345 p.15 1 i rr 1 , This Instrument Prepared By. After Recording Return To: LANCASTER MORTGAGE BANKERS 20 INDEPENDENCE BLVD WARREN, NEW JE?tgEY 07059 Loan Number: 150009676 Uniform Parcel Identifkw Number, 01-21-0271-050 Property Address: 245 NORTH 25Th STREET, CAMP HILL, PENNSYLVANIA 17011 lSPM Abow 11" Lm e For Recording Dave MORTGAGE DERNUMS Words uw!d in uruipple seWonx of tWs document an: delved below and other words are defined in Sections 3, 11, 13, 1$, ZO and 21. CmWn rules regrrcLng the usage ofwor& used in this document are also provided In section 16, (A) "Sorority Iuetrusn=t" MOW this d(mMent, whkh is dated OCTOBER 26, 2005 together with all Riders to this ducoment, (8) "Borrower" Is JEANNIE B MOHMAND, A MARRIED WOMAN Borrower is the mortgagor under tots Security bwhnment. (C) "Lander" b LANCASTER MORTGAGE BANKERS LenderO,t LIMITED LIABILITY COMPANY and OX1008 under the laws of NEW JERSEY urgrnked Lender's address Is 20 INDEPENDENCE BLVD, WARREN, NEW JERSEY 07059 Lander is the mortgagee wider Wit Security Instrument. (D) "Kota" means dw prumis3my dote signed by Borrower and dated OCTOBER 2 6, 2 0 0 5 The NOW SlAtes Mat Borrower owes Lender TWO 14UNDRZD NINETY-TWO THOUSAND AND 00/100 Dollars (IJ.S. S 2-92,000.00 PENNSYLVANIA- Single Femily_Farmla From 3039 '-A mw Nl?c UNIFORM INS'INUMENT 1101 Papa 1 or 16 ?ePMa•rJdt wlrer,doonr? pp,„ ran.." .,?. teM plus Interest. Borrower lug pomw to pay this debt In regal, PerlvQc than NOVEMBER 1, 2035 Pryaemasand ro pay Ihs In full not later (g) "Properly" mane dw property thet is desist W below undo the bndiag'Tmuhrof Rigbut In the The Note and all saws der t ua4er v We S?ic1t last, 1. any /repayment charges and lase cbu$n doe wader P (0) 7 dWe auam$ all Rums to tol away raenl drat m jr, M . 10 to cxkVW by Borrowa (chock box as applkabk ublgl: Borrower. The re saenad 6" Rlders are D Agjaelable Role Rider ? Caodontlldum Rids D Sawed 11aae REda (] BaUoon War ? planed van Dewdopmmu Ruda . sp ® 1•4 Fondly Ride, ® Q Blwe Payment Rich OtierW?i 1 TO SECnRTTY RINST DE ? "AP adminlstretlve ve min les an and d orders (ordersfiatiavo the 'err's $9 trppNcable Ad of lawj 0 es IMAM well state as a D bat statutes, revelations. ordinances and optaar. sppklme final, ooa-appoalble Jad w b 0) 'Commonly AWWW1oa DOW, Pala, and An eemants" mesas alldoes, fors. a sed other chears &at m bnpossd a Borrows or the Property by a condoerbdtan mnc9edon, homsowtmts a soc M en or sladlar Edon. (1) "Blnaonte Funds Trons(wo mummy tramfer of foods, olha lino o trameone WOW by flock, dsaB, or soatlrr papa imlrWnw, welch is Now 6=0 as tdawa k W.M. N%WW mWdk tape so es to order. Instruct, Or wlhorht s diaaadal hpNtadon to debt m e tbalomamt, cmpota, or awd does aaaaN. Saco form UmMes. but is not lindW to, paial of wh: mantas, satantled eeBa mtehtes tnmac Idepooaa, wire oraw(w, and automated eleubtghow p?". . iraafaes talllalN by (K) *E-vw hams" memo; dm ban dial ere desc*0 he Senlon 3. ( third party (whar ilmn Insurance proceeds paid under des malga; seodge L) W1104mmouy Proomds• mum my esmpwaslost, settlement, award of damages, or ptild by 4ay destrlrglstt of, the Piopeety; pq Condemnation or other Is ,am in s) fore. ( daagp 19. or " of all or any part of she moo; Ccn&Ougm err Ov) ? of, or =W ere ter, the Was aWw Ion 00) conveyeaut of ?!a " Woir'aa"we mum utos poWft Landes aghast As oonpoysems at ar de6udt oar. thtLou. lag rquintly scheduled wont doe for (Q piadpd and interest eaeder the Note, p M say amomm under sadden 3 of this Seemly lawman t, (D) 'RWA' mom the Rod Modals S.Idnmut Procedures Ad (12 U.S.C. 52601 N esq.) and its Implunealptg 'e successor laSlolome or r4gib" 6osdon. Regobdoo X (24 CAPL-Fan that 3500), as they udgla be amended from I1ms to tlme, or may Wdldonal or "REWA" rtfmt to all l regrdcomsma and p"me as sucledom toot am Imposed salient Imposed d many he . nerd es As a•usfedederyly in ly Ate nl SewtsSaw" al isegap bt I=. ever U toe Loa does ON gwRl' ss a •fWw* ttthl? ' der (p) 'evoca mer is War" o(Borrowa' mom my" 0A has Men Mb mortgage cam" undo bsa RWA. . ' whether or not Ilal Wry has n=mad Borrower's obligatlom ander the Note and/a this Security lptrusewftwly TR+'1WR OF RIGHTS IN THE PROPERTY This Security Inarvow secures no Leader: 0) the modlRalbas of she Note: and 00 the ft of the iosn, sad say rearows, exinagons and pnl'ormaaca of Barsotver's covenants and agteaat4p mods this Sscarlly "I'ment and the Nat. For Mb Purpose. Borrower does Hereby folbrvhra daalbed PcyPacty ht "W to the '"0?ap . Fm add convey to Lamer the COUNTY of CUMBBRLANO A.P.N. AR 01-2 271u- 9p PuftofaKwftlaramoq whkh carrendy has do address of 2 4 5 NORTH 25TH STREET CAMP MILL Pendsyhaolt 17011 t1 ICryl IL?CWW I•Prnpwty Address.). TOGETHER WFM All the ilnpfOYteents now or hered* orated of the property, and all easedaatu, a[rpccedanoea. 4" dtamra I" Or bereafler I pert orthe propery. AU a gh ,p IhIO , covered by tlds Suarpy taNruareal. AN of the fmvgW d Is rdered to to this 0 ' InN c as tad EMWOM BORROWER COYFNAI TS that Harrower Is amp hem eke ray, daEe. !rant mad the Property except for ant has the K record. 8ortowa rrarate and wW and am The Praprly of ceded. hereby exa ter ? Mmunbra"M of to any or record, d*Id Baaaally the tMle b Ot Property aPlosl aU claims and delnlllds, ntldect THISSECUWYMS7>l ComblaesdaUormta Awsadomd=asduwmm&%= 1Mwa linthed vadbiloss by jwbd cft to adoUteme a rulferm mcgri0' M Mmr Coveriag rat may. UNIFORM OOVMANT$ Borrower and Under cov=M and agree as _ Pay whoa dnaiM ofRldatpeL [!Maraca, Ewow taarhittCbar m LaeCbtr ptirxipd of, ad Waves! on, the deb esddaucd by do Not and any pap emtm Ba+aawe chop d he CWW doe Oder the NOW Borrower u A W p* Alf Etclow Itent purroant m SecUwl Sym" due under the NOW and ft Seam made Is U.S nsWrnent roadvW by Leader wp m payao N due gds dsr the Security, b* ail Is mr, U atry Check Lower ally red re Ihat may of mid do t is r.Ildned to t,e.der C mlpdd, aft ar rude oftbe lb?ow(ne room, u selected byy ? ?Note said do (CSomily ) MLl hlMramsut he n Ireasmc'er't d? Ir wNer's duck, Provided a suc6 it dtawn ?' bakd", by a federal $#my, InlOyad WIUy, or eatlty. or (d) Ehetroadc Feld: Traeger. as itwured Payments a ?? ? Leader Z:' Weed it the Nadu duped In On Not or at small other my be Leader in balba as Paymm or p wfti pymeet It da pymont or p mw pa?ya the notice seedon return "M and m ?a in kft sh 15. !.coder may Leader accept h? or y psyke i or r"l I s+dpe Ito ultd On EAu current, ??? ? it'edal psymeats to the Ram, but Lender b moo ndrr,.s.rA. obligated to q* such Pia at Ik tiro, stadt paymeals are accepted. Ir eras Periodic Psymmi is applied a of Its until scbeduied he date. then Lender raW Tot Pay 10*0 on mopplbd finds, Lender say hold sock wappW funds Borrowe nme. Lender r man prfim I to brbj ft Las euneTt. U gertower does so do an witldn a naaonabk priori of eNMr apply sucb fw* or relorn tlan so Harrower. If surl applied earlier, scab hair w10 be applied to this osststani ft principal balance under On Neste k $W" War b hreclosefe. No olbet or clsba wMck Borrower might bave saw or to the fob" GPIN Lader AN relleee Harrower kose "payeassas due under dw ? ote and this Secormy Instrument or perforce ft tie covensintr Wed M r?s seamed by ft Secuiay i APV&Mloa of Paysawes or Praonds, Except as otkrwbe desceW M iW Sactlon Z. di peyst enie acorpted and applied y Lender she! k appNW ha the fo&wA% wrier of priory- W kMroa dw seder the Nair. (b) PMdpal dun under the Non: (c) amounts rite under Section 3. Such psymetls shall be applied to each periodic way ent In The ardw in which b a other amounts rite ?itftbacemSacesetty e den. Any ranaYtNJ amounts shag k applied Arai to has cis" second instrument, sand 40 is raduea der If Leader receiver a payment from' Borrower for a dampest Pedodle Ptmwwhich is on Dck Inc of es Nate. WO M to pay say late CMW due, the pym m way k applied to Nee delingleat WY bee a et r. if snore then op Periodic Payrnal is oTWsTditsg. Leader 1 NPAY err P4met ysast and rise kb eharo K repym- of ek PsrkWk Payments it and a Useeat- tam wk p3rm can be paid aid in ind Gam To Renewer dw ca to On any excess exbb after the payment b applied b de rdp>?doneormere pakedle Payme mehil. nt T ass;b o h emir- Nat k Wiled to any lab charges due, V IQ my p s, aecass may °MT?' Pnpayneaa dell be applied Arse to any ?epgment claw and then as described In ft Have. shell n nya lion orpayweats. Imrar= proceeds, or MbaHnaose proceeds la pi due under Ile Note posipm Ike due 3. Fumed far B dele, or Borrower dealle ibe isopm. of the Periodic hymage. stall pay b Leader a Ile dry Palollc Fo merits are due aft tic Note, t- the Nob Is paid Is full. a sues (tla assessments and otlser Items w" am spat ) to peg** for paymesa of gnpypt: don for. (a) teener and Prop": (b) Iasabold pap-4 or !1W no IM We Security , it g f ; (0 Pl as a li for or iu need y need cepsliceiMM a tic required by Leader under Seiler S; and (d) Insurance Mor" ?°? In. -o. ? no, If ' f ?eu for Laft 10oheae htata is Uft Or tM 'PS ttrOfM.• Amt bwmtm na,bms In uoeotdwoo wilbW sawn POYAWN by ?Ne pro, sal for tacrwsmerta sl dl be ?D w?irm. mW trssanmft, ifw'• ha bJ? ; , Maid sdw fm aWttd 8arower 011111 prompt' furmtsb so Leatder all salleve arsouna to be poll Secellse, Neuter b to pay On Fsmdsfar Ply Wader the Fulda for escrow tuft aateasd" w Wvm Bmrowa's r saayy eral! Escrote Iteenesinythme. mrb waiver mayy only a Mn 'sti the nt ?My ro Fund; has bm wfay dimactly. "en and witan a by Leader need. If Lwder? get is 0 firdalsh u br OW Heater w Ibnta far m" Puym a of wNMn such throe parbd se Lender may regalre. ? so fis to Leads raalpa evldesdsg aoah i t t?llpporposes be deeaad re k a ca?enant and alResmpM aatsbMlsd fhb l aa0 0o ptwrids roc a w ode and agr"Ment' is used in swum 9. if Borrower 6 abUgnted so pay EscrowItems tsnnaat.. ? P Borrower laps to pay the smonst due for a escrow keen, Lender may awdse its t artder to Section pureness mount 9 a d Plymaand she the waiver err wto any or PJcmw I"= ar ssba 60 be oblipted n under Settler 910ropy b Lender nay suck WAMI. nay time by a 11011cs gJrw In accordance wYb SMon ?wfa..g.ra.. 15 and, Up/R SuCh Rvocaft, Borrower shall pry to Lender aU Fmlmlt, and in such "mob, that ere tkrn tog" under this Section 3. Lendw at the thou sped led girder Rlbou" -OW MA. wd hold Fwab In a MOM (t) s & ini to pe taw Lard" to apply the F? Load" dtdl amitoaoe the (b) aolb exceed thee WAK matlMtata atttn a lender per+egeMtr andw RBSPA. of forma Exrow Rmis or ? of e.. M ? and fable est4oa"es of e"odisu"a Tb loads SW W Mehl in ea ltistlbgoa whom dapsulo are hamited by I federal eaency, luka menblity, or abY (MdWaS Lender. If LOW" Is ere bmgtatlon wbosa 40p all; an eo I w or in tmy Fedad Mom Lou Beak. "ender el" W* the Fwd to pey the Faasow Lorna as beer ilia lie *m $PcU eat utttbr RBSPA. Leader S' not $in tea &crow Per tar biddy ad opp ft do Fads: mmm ely wgyeey the eeaow Wcoab or vair leadw PW Swnr# r Iowa on ft Futtde and AppRwao Lew ILada tdwI asu Unkee as anal Is tads hr wd tF or ApPOWA Law MOM intaetq b bl p d on O b tsakl rlgoMad b pry Harro"w" a9' htteteu 9o mm wed Umft ? a sa d I'i homeewr, Chu Werest ddl be pall as the Ftmds?Lendtr shah gl" to B"sorner, witltotq an woowtllg of lk For* as retp - ad by RWA. dap, j li tkre b a ImpbW of Ponds btdd M aaomr, Is d bW tudw RBSPA, Lander 011119 socount b Bmwow for t4? fU M accoodact WO RBSPA. lf&n b I duaV of Pbmb bid Inweaaw, su dr0sed tailor RIMA, 8149 of °m dams + REVA. no men dmU WDv 10 Leadertles amaot rmmnwy b make *0 0101111110 Ill M but in 9= Funds Mild M "am. all dt lined mailer RffiPA, Leamlw shU 12 maoaddy pqm1 CS• t<dten is a deQckttcy of iieU Pay to Lander the amount Mowery b male up the dNlc 4 In rnq wft RFSPA, but so nor awnlhly poysma. any Fw* held by Lender, of alt surtts xared by ft SecmulCy irmstnanm a!. Lender still promptly refund to bom 4. M-Mi Liam. Borrower still pay a Cem- asMMMO. dwM <i bee ig Property which can $HMO P" over ills SeeaHry e mta. and or Staged tsfew on b Pr*Wy, if ay, Itd Co =N*y Anedatioa Den, Fee. ASol ' leasj, Ir uy. T otb or "Clu wean on dma are Bserow items. owmww thin pay am In an, amnnw pm,*d" To ta eaa? Ibet am" Rom 1 Borrower slgli promptly dischaZo ay ieea v d" here prtorly ewer this Seewiq l mtmem voles Borrow r. so loty s n w8otrfgies ro e marud by the Nar M a mwmr secWWe. to Latter, bW enfarcemeat of the am 15- 1911 prot:adbys whkh In Leada- c0 op? le NO b fakh by, or Waft epd?asC pwft wMle those proceedings an p? bet only VOW sailor pruo? ? alt cc to prevotp the aforte out of Ile Ben of the !ka a aareenttmt ?y 1Leader sutimdMm Ua b° 46 ?y ! ?nl Lender mm the olda determines that an ?? mq give Borrower a make id 01.1 dw Uea ? 1A d1yS oithe dale wWh Mk CO Lem Idy the Non or orb m! or more of the alto', art forth above in tbb Seaton d. used by Lender in tune fto wjth tltue bb Emm. chug far I real Cole tax verllicadon amdlor reporting survive S. Property IwwwtaR Borrower deaN keg 0, _ hennM i. boo not Bmhed to. eswlhquaka ad 11006. for ? turn, eel 00YQ? " And aer *now y otMerdbemdt mdmdaed to the anemia (IndedIng dl*AWMe Mork) and for the pa ? dial ? ? ?mran stall be Leader -Pdm Wh11 Leader 0 0 Ike laswae dtelf lk c6tues aAreson catr cbwv dttft tie term are, Lose. 7% h .ft E riot be slrorsised y. Borrower t.eeders,?grower a? q b wbb dds Low Older Older Mtsinp oareasotrabi""M dwp Aar Ibod Was delera madden. cer oa ad backlag t ? e oa n eed e mmw. or s ere 11ws AWW eecb Wo ?? Wx allied stieb deepadotNut or ca akedoe a ?"u° wmcb MY few bq*W dae:,iwtbe rpsNt?4 o?eplea by A? in Burrower ? of say lt#*W =en 50 Leader'ss SW IBo tower : tupe"Yddw sse, Leader is oud' 10 0#400 to m chow. Leshr aey *a ?.yv. at orc option ptsrdrsse ovorniiin' g"Ify of ?OW M the PMWW'' or "* SKII aome? as of a* Anp ? ANY Hit. and ort low s Co Sts ?" waa pgVIW* riot do cog alp. obtained 0101 ° * ? slpdneaady eboeiM in dpqu w pee awaoso by Leader'u' ft Ssaba s SkA beosee siNUama Burmura* nl d* of Borrower Secured y Stc' moat. Tien "Matt dA hear 'OWN( et iire MW ntr bee dN dao ad st 'ad shat be Wy". woh end laana, opwr Bolin boar Leader to Borsewer, repo ft pp M. All ltaaraace pokier mggkW by Leda ad m"WOU of, F" to dissMme surb WW", skill ledrds a s?adsrd PWW" S MI h subject to Leader's oddhhrael Chm- 4"d Anil Bum Leader as loss pys s, Leader skill bare dw d* a" polld. end totteasi ardflo". f?ader F" r as r Of In co"""' "? PnMPUY give to LevAkr be modpt, ft9dred bY t pmmkm and rUfW&I to, or mooed. If t. do der OWft pWW. ply sbll hbdu e a SWWud mm%W cleoSe lad sl fl "ears Lender as mortpSw gad/or u us ad l IOU Men. [o the F a l 8orrorrer shell Biro Pfe+*pt nala to do orrkr aN Lehr. Linder eeynre1R Poor of lop it if aot U46 pro,apdy by Borrower. UNas Leader and losateer ofttvft We in Woug. opt mpsir of pod epro? doe maer don or mp* in am endmBy ileak Lesder? be ~s ' M W n s be r r tttd mwa t paid. Lender dub hew do d M to Wid w Rod endws b no beMaed' hu hed an d them a tospat 'mck ftOpRY to eases qte wart bas Aeen nerenon lencoedrsadt Lard' M*Ud raandea in a s ?oe Ad be undertone proatpdy few no for l t sob m Bad 11 nods b wr{tlp ? ? soft Of MPrWm M# When a Out work oonr oW- Was ? sad w A In requite, ?Kpt t to be /M M taxi ' mgobed to pct Borrower my hrterea or Fom*. Under" Rol be rerebW by borrower Sion Not be pad ou eneA plocesds. Fop for pebbc msm of 06er ftd Wage:. Out siellle Nuorma aned &1 sawn sb not Congenially f6mak 0 60 iWOUNIN laments cecww err Lender'm ucGrby?w b *p of Menwler. to 50"""- SecA ! lruurrnsu, wbww a Mod. paraate PAOaOs brepreaee Proceeds Shan be sWW to do order dtla dto, wilt do eaass, Ueay, pad If Borrower abeadom the tropn' Lender tasy }lle, !*oridad Aar is secdm 2. relued routers. N neve" and scow sold ttetlbbie tretruean edit sad a a rocks Aron olferN to acme a rbM- therUnder rMY WtMh an eorke to Sire. 'adder event, or ?Wv e, Be de d mpe lie de r " lKbd will begia curler de snips to Leader (a) Borrow $ rights to aay t p?'? S610 VAN Y2 or aMawba. ? by prote[ds to ea ogeam no to euagd do Went, e"W tirr..gr,. 0 • under the NOW of 06 Security Instraaeat, and 0) ley other d Borrower's niglds (other then the dgh to any reftd of-stro +P kp a tk pdd by Borrower) ceder all irmuaon patio covering de Property, Lwdw u satb dgbb r aloreIbe Property or to pay amoo ai?d oft the N?tYerethe bwnnoe proceed s s toen die. Seartly botsanou, wbeiha o or r errs drat d. withhG. Oe esq. Borrvmr of abal ?. aailisb, and ove the Property a Son os's prb dpd midetce waft al "All a for u kcal ea yeaOds r altotl Introanat ad &A t'thm so occupy the Pro" as DOntwer s otratpug wdmIeudsrolhe,aLeagwesinvrrid%wbldr Consent doll not be unreoorobky wilMold. or indent aleanded decomstspelo am wtdeh Sri beyond Beraotaer's control. 7. Pruwvdlw, Maintenance and Proteatot of the Prepaty; Inpeodo ss. Borrower shell not dwnoy, dump or lmpir the Property, Am the Property to delertaerk or tenrmU wow ado Property. 1Nhetbr or mr Borrower b reading to the PnWiy, Harrower shell todalsk the Properly in add to odoel chanty kin delerlw" or daaeaattgIp vda des 10tb awldt. tWm b b ditubedPw?ti ?ttMSibM se rest rdw oration is oa eoaromkelly fett6k, Borrower shed / !' topir die y d to lb hcg detedwadosordamage. Bhsoraaeaoordemtrutoa ! thecerlnallot with fe so. or hot released leaded of, an Property. Borrower shell be responsible for rq" P W Pintos erg proceeds for such paqua. I ceder ass y l ream only Lanier hot datt a n deg of prop O psNS a the war IS 1101011. if ft lavolow er ceded a a ceb to repair or a llwe the Property, Hortower is not relieved of Borrower's ° for at on uW ttdRelsal or restoration. t:Omplt tlOt or sock tepalr Under or to agar day anhe man" 0OWN RM Nd l+apKdM Of the Plop". If b bu remeable aloe. Leader may haapeat the Isterlor 0f doe hnpnvot ants a the Property. Leda shallgive Harrower pate at #a time of or prior to sash a bdsrtor kgKdoa VOCIlft cock aeeaoble aims. 8. Borrower's Loan AppBetion. Borrower drag be to deilolt if, dwbg the Lan "Ilesoca proeu, Barrowroraaypusorswsadderwanudo I'ttbttofaeneeraarwJlbBarowar'ahreewledgoveapentgsve twterbBy 1hbe. Mwee g, or Iescafte bforarttlot a satfereab I& Under (or falW Is peovlde Letdsr with mean l lpferrostioc) In Connection whb the Loop. Mslabl to! IMN I damp Include, but we act Ilaslhd to. represettadons concerning Borrower's ocoapncy of the Properv n Borrewees prladpst mum. 9. Protection of Ladies totem tt the Property gad Riaq Uda #& Bsamky tooWment. If (a) Borrower is as perforre Ae coveasots and sgnp ao, ooaokod In stud Sew ky lrnrerenmt, (td shier Is a kpt (sup l^Eof htdgdpaalyoffatLadbr'slataalialhePtoptyatdfarr?idsraderlldsSepMlyIaNeumml proceeding In bankruptcy, pub". for cotdonattop or fwiblare. far Ishr"stt of a Bar wiidr any sosis prlodty over this Sawky Ioserameat or to esax" hws err repbooa). or W Buncoa his ebsodoad the P P-porty roperty, this Lauder racy do ad pey for whatever is ttnroabb or app Wble to protect Leader's 1 , , he the and d# a seder Mb Secodly Greta In - IrrclodsK prolepbg ttd/er g eke voles of the Property, seer lien ewldelr hero Ply Lender's will scoo ioclah, but are am liudiedio: (a peyled ?r mps utotaeys' ice to pj" °Wf d& Scv" >t+nvnleu; (b) appeadq is rota: and W paying ream me pillion to a ? ea its Warder m tM property ad/or rights uniadds Seadty Irettarpd, tadwBrrg ib eeaaed ? RP a " lag. Sewing the haperry isritlu. AM Is set godtd 10, a" the Property to other code vlohrlau or deeprous or Ian sin does ut wbdews, drain WSW ftoo pep, dttdtale bW tg or under rhb Sedloa V. Lander not hlep d and ?adcets cede oo or o1L Ahhoup ceder may lake ac , Lends Incurs no tlabOy for not ukbg spy or all adlons es&. Is. Under ft Secloa to w. It b agreed dot Farm 9039110/ F FanNe MealFnd?e MbC l Ft p?§ PIT hie T of is WWWAISON am rsnr*.r... A n y adeoorae dhtWsed y t adaaedr tab Settbe 8>td1 became w o w secmad by It b Sassrky hat WM- 7We atsaotasb" Dew msaat d the Not rm from d m dot of dfahwrmmm od" be payable, wUk sack h t m, Spa notYe from Leader to Benoww r@Vjuft If tkt Sawrity Irakummm Is ej a lambda, swnv r stall cae* Nopan do "stag: of Ne hwsa. If Borrower acquires he tide to the Prgierry. Ike baebdd and he he title"rqt mnp cheese Lewder apm to ba merger in writing. 10. Maripplassramos. hlLeWerr'equkedMoripphssstssscaaseoae/tieeof sLow. smww*w hall pay the erap sm r"W Laadst tames ac k s oe Its Chace. ff. for s now ik Mwwp laI ace and Borrower was Twm to make seprstely pym ms tsrrd an p ssalr Insurance. Borrower shall Pay I* Pmmmm s rsgakad to ofths M tie Mrtpp Iaemrorrta pw4moy In elrees, s a Cost akantlally @"WI e t *a cast to bftm?w- 'of lmsmstace Previously In effect, fray ma tarot rstssgap mica selected by Leader. U akstaaltliy "WVL%M Mot" Inwramu cevmp Is sot WWWO, Borrower shag coottow to peyb Leader Ike amoael of the pyfto that we due wheats.lasaramsss cwAnP closed so k is oft. Leader Will aaept wommod dw -rehaalabbma sesarw m Ilam of Moripge 6aramoe. Sod leas nssroska8 be ?tbahashtlhaLeatdtm*lypYbhXandLeft S 8netbe , it* 403 Or ludhW = NK*w fam. Leader can no tic maaunt prmd east Leeds l? ? loss; rmm w Mes?ap Iaarmtiw c Mph* "died by an isaasss sdegel becaaee amlmbk. b a mM, and LoWer by LPNWUN ower arm rogd N to ? aoe#fbo or mat" ? aw sun" Was the pumume rwiutre/o =shin mar" hommoe m drect am Cedar's ngaksepasor M°eelsp fewnsa ads m taotordsmce wltia agnamem bawaa tO dffecb S d Millailm t pr will si k r?drsd amble Lou. N0614 Is tmr seat In tit Monpp Imasnce fetmborses Lahr (or my cooky Not. if doeiower doe a fgay w Lou a agreed. Borrower is mM? as the pj* for carom nloom . II mty tsar Monvp w m evwo* their tot) fbk a an Such mmamos in farts, fmm dome M?PBe dome, ee W mu$mb wldsthar Portia OW share or etoahy heir rbk, or sodste Insp. 71M to torte, ad may seer mho CO*Vum do" Bpsamepb my MgWm the mu10 the momm" g" le t ? aed the m4a pay (r Pw* 5) 10 dam M on wm aw argon". Thm may have salable (which may in" funds gk&bW ?Yseem of unman dice the morlgtp imam fts Maim Asa r?dt or dace agreem *. L4Ww. aq t h+mraw aeeName). es", or ai flWas p w of say of rice bergelag, a" Rod" «Brsorty ?• mtsNar loom t arry sganuer. a r of hac4rocostaad era a Parch of BumWer'a p yepaa for lism') esmow fO dente o cr (m pit she weeegge msurar'a risk, or tadrtdog teams [roach ie' m for sWm ar,% or tie Iaoeer's risk 1m extlasagt fora share ar do erlr?M P? ? Mass of Laden an a store 'Ctgtive limnrmmee.` Fuidaa: Pndaaa Paid k thrmsra, ifre wm wmnt is or" tamed (a' Any wash wommonts will not off= the amemets shot Borrowr has wow to pw fm mwtpp an Mat pie Insurance, Other terms oft w , Low aot entSOCIII itle Barnom WM set ieamw the smauat Horeowerww 4"ve oar to my relimd. • • (b) A17 nab weancom will not orrso the rW is Borrower has • if say • with roped to as Mortpp Imorma oadar tbw llataaoawsa Rt?taoias Act at 19lB a nay tither law. Tbtssr*W atsy bwW6 tbsr%M to radw osrtsio disolasnrm to requot wool obtain awmajtiss of Un Mwtpp Iawssriov, to bores the Moalns?aoesteraaiaatsdwporatlo?yr, asid/or tonoatrso retlsedornfyMorgytl?urapppMtyyms that wars snwned at #w toss of neb paodledoa or twobotlem, 11. Asslpwast dMiseeNessowe howok ForMters. AB Mitcdlestom PMMds we batt6)r sselgesd to and ides( be pdd is Lender. irtbeN to Ws or ?sochMiaalhnedogmaooeedsonkappmoomre mraltaaarepdrofqu repair Is emmdcdy hes& mad Lades s nm ty Is sot lomooW. Do* wit pq* htdr restaapos prig, Letttkr sMB tae 1W ridM to hold ssrA MlaeeBmsseys Progsde =d L"& IW kd m oppemtwty b Wpsct sad PMP"y to errata. Me wort Ml M txtspislsd b Leahel sttpdsdim Pr I Mel OW =Ckharecum"besadegataapomOy. Legere.ayp yAwftnpnawl esI I- isa** I Ienwmel or toe sales dpppe:s psytamu me the wort it completed. Umlw w apaesetd Is took in WIN%or Appkc" Law MgWm letem to be pmM of Itch Mbtxdbts>toas Proceeds, Lender"aw be sogatod is pay Bsesoww any interest or Modes oa each Mbexlleaeoms Frocsstb. if do mel ndw a repair is set etomepal?r timslbie err Leadu's secorty tvvteM W ]asesed. pie MbaWsaoen Ptoouds sheds M sppYsd b pis awe seaomed by Ibtt $eewity Instrument, "Wier at sot them doe, wkh I*wat, if say, pW to Boom". Sock Miscodbssom Procatwlt do be applied in tW order provided ror is Section 2. la the eves of e tole] taking, dandhM Orion in whoa oftba Property, tie Mom Wksmeae Prmd sb shall b11 apMU11d is the sours secured by this Security Marenwu, whww or not ohms due. WIM the excess, if any, pig to Borrower. In the event of a papas taklet, doused". or loss in value of the pro" in wbkb the fdr swW value of the Property immadimedy liars the pmrpml ttdtby, dsstndW, a htee In "tae b .grog to or pellet Ilea ptm tagownt or the am secured by lids Secuoily bobosmt tttsndlatdy berm the posow lg*. dssbodtes, at ties M sloe, unless Bar uM O d LanleradarMa ape IR WrtmB, oo no s ssasedby lib Sseowdu lrrssml tdall inedtI" by the among of the M4raparteexm: Ptogedt statlPlied by the folbMbK tleWea: W041011111 sttlR. or ea wrss sKWW ImmWW* (area 1ko putW W fttWtscW, a im is vdn dlvNed (b) lW f* mo* vdn of tie Property lemedlalely betas dw puW W ft. daWeaiM w Isss is wide. Any balmaceshallbapsid to Bomrawa. Is the .vest Of a pmrpu I*kq, daltspW, or loss in "I" of the Ptapsety to WMO 1M Mr sum resat or de hop" Wm*db* betas IM pwW Is", *W"dw, or lase la meta is Ws time 11e tmeottat of the nom secured Immeolistdy before 1M p dW W*W, daslradw, w loss is vako. w+lw Sl.Mm mad Lewder Wwmn "Is wrltiny, the MbaWseoa PrOcesdsslall be eppl W to IW swasecmed by !his Seatrily lositoomwit wWdw or sts the Tuns are an doe. If I%I'm" is mWodmd by ftrm r, or if, atltx voice by Leader to BMOwa gat tie pp **g Panay (p dented lm 1W next use=) An ie Old* as award to stilk a claims for dmmgss Ber,"M rob b sgposd to Leader Wt" So days MW tke bK the NOUN I$ shat, Ladar IS magto&W to now tad apply pie MWelbtasos Proceeds eilher b reemen"Oe a MP* of "FnP" er b 11011 Iwo ssraW by fhb Sseariiy hnmteuaest, wkgw or ON time dw. 't)pposits P? of n die (bid p q dW o, - ftmnv t M dhftow Procads or tie park' ag11lttsl wheel Horreww has a regard Mismasteeome Presode, Batorter SMB be M dgfMM if any scdmw or pracodlnj, WW w dvii or crbnttd, b kpm dat, in Lwdu's a *m tncD"M b fwfdii a of the Property a odw aosrhl gmpkvosat of L,,Ws tae t is lla Prop q u pmpvidod iw Sactloe?lg lsssrrmeal. Borrower eme tart stteb a tbtfimb asd, !f aadsmetlos 4p eetuteed, reWttst Y cluft the KUN err Prooecft to be dimissed with ¦ nd ft gar, in Leech's Farm soave A _ '??h xrrre MsdFnau. Mae 1»siopN? a?aTattalEwr :Mmvkgm Pear f o1 t6 0-" www. kgm PMU.we.r.m 1O%=Nt. pteduda foddkaa of the Pnperty or adw mom rVill miler this Sm ty IatNVmwl. The pmcoub of way awed or WE f?or? t >?Merat Y the Pnpety Of b?odbawa+s htttPloom is Qa Ptapaly arc Imaby more d ad Smv be p to 1litrlbaYbk to 60 edc do MW to soe aa1 "aeoogoo ar npslr of he Property shall be "W M the order All PMVW far to Secdoe t. taodll12. B °r? BY LLoadu Not a Wahra. Exhis da of the lime for pytuent a S ' Imam! of >sorr " NOW* b mum yam, sir?erbarLooder to Yarawb ®r aq Leads shall aot M regabed a tstsaateaee m7' Sacaatma hs11r0 or to rafwa b -MW rise far PgmW a *An*, mft hmmmm by m! S bbtMegtatBotsowuar romm fa•Oanace by Leader Y tbineai tab h! the ffl* ai 9Wmwm ormxySm? am 4 b*" o B ?ft oce soy c or mmIOWM +y taa(RW If lba Lgaisr a ?41af third dine ska1jt aol?bs wsh?' saa ?i ? n or S+ccatot?s in My of Borrower or b smlpaattatcpnt,lea then dw ataomtt Nee 33. jobs sad 1Terssl L t1M eaarcisa Of f+aY? ,'' CO"i1i+w4&4*muwamdAadMamd, Bwm-cwftftaadapm 1100 Mhuldoap The N Nm*m aoYft WWW44msipsd*ftaa*y I"Shromm awe (a 7: W b plot cad eoawy the msiper's lattsae is rise , he" ? m of tlift $ buaartp tady N martppWhomm"; (b) luf++ealiy obNptad to pay the'wat UCWW by thist 4 S" btamaaep; Sad W apM del Lombr aW m is mM t>mnlmax a Well !W a allood. ?m„ s say ? wbb rrprd to ty te,ms ? o? SubJatt ro the provbioa of Socilos Is. my Samasaw III Nam of Ber" a who "mum Botstavaf t and b dW wader 1bb ltlbumeat b <riith?. ad b appnend by Lo*r. *v o1Wa an a d& undo d!b l as bmwaslaNmbemlawwrift, "a d&=Bormmy S??y lnsnuntsal *211 Wool k" p fd?ed in ypCft go _ wad 61W CMVWMO l4d f? 14. Lom CbwSee. Lender my, dmp sertower tee Alf sarvlge tt?aonr wad aldpt Of lattaer. me, own' pT+ of Pat" LOWW's itaoat in the Property. and rj& ? wUb a laclmtls$ but as Mmlied to, ass p expires " ? rSaeurllp Irotrm? to a" ? ?f ? to "face p qar Ikea. Qe bibifift on the cWgft of web fee. ! abler may wet dude tea that areo sWiaot b amsgwed lestramaq of by Appbcable Lew. ap"asiy prohibiltd by his SsacUy If the Last is eebf a b a law wW am aWdmato loan charge, ad am law Is Nary Worpatd a that the tlo: (s) !macs! le a ?leaed b oo?pnettlo. wtA the l.oeo eaaN !Iu pergtpc? IaNta. a L n soy"+teysmchoow+kw+ maadykethis re QW6bWmd frmfrol m Bonawp t7rewdadMM PmftW Jrb w1Nanl'umad 10 BonttMlted Nwar. redtl? ir"M as p? o il pgm W t ?W. er. pt4aymeal cklaBe (wbelAe" or W pvpqm cbwp 1, P... far .fir 0. AM). ba?ve? roMd made by dlaw payeeat to borfawet ug Magma a waiver of y do M pllploqmm cog m + o +ddf a1 of such aveeharp. sori/ht ataco" Bgcp? 8°t IS' Nohow, AN aelbw Om by B"mm or Loader In coeoectloo with this SmdW bourne a map be in -Jib#. Amy moot ro Borrower in txwtsW= wlth $6 SetmRy latutmem"bs dsetud to bare Was Shits to www.c.la,.. moHarrootwerttNwtlhoro aWanedWayotubyAar tLss ttteit or wtlu smelly dslirerad to Botrowa's 0040 sddrps if no by cow . a sll Baxsosrers (awble cm, oaartriw. the satin address sM be lie Pre" A" = WAM dsnaarer hall Iswaapttasty a wAks address by te 19 l.eeder. Fuga f Beetowa bell pemplly t?adtr et Beeaway Lutbr ?' or gwmw'doW s •anBas Osn,tt?Weey,r?s ftocraM?w at my an Sm. Any soft to Leader silt be Ulva by 6WV WN 11 or by own s ft t by b dtb $coerity htwlnt t MW ?eio wkss Loden bu d"VOd anolbw odites y eotl s mm. cUwteeda Laeder': with Se" lumat *stl sat be dettteed to bare bps St. to Lmdw MW ftisapy ? Wodv N oomteotlon If may R d MqWM by 06 Sewrtb itt WAW is also "" order APPS Law, t Law, ae by Laden. 1011* as prresppdbM mtdw ibb Applicable Law 16. GovsrabB La . BevwWbi ty; Role of d lam' redatet kw ad the low or the Jmbdklbs in which the PM" bb bested. ApitteoeM tiraU tie /OtanttM by 0 San h' lestremeat ssldect to easy Mpirampa ad lmm6d e of ? ° a0stelsed N er ImFkWy allow an prom to opera by e0ttbecl Or h MW M tdlatl, 111411 each SNOW ? oostrrm! u a lirohibttloa apht apaemeo by cosum. V ae Preto ael my ptorbioa or ekese at ft 111114 he Socstigy IoeWstteat or the Noh om0cp with ApprrsAle Law. Mutt a M1W sAsU IN stied other lastreatap or tie Mae whlah ca be juste dhd wftw as ousacliq p wiles. pvrbloWS of rib S" Wily As mud la ab Su" rostrums": W words of the towdiatt Water words or wards of tie kaUnlae Ueda; (b) W" in 68 lbriv tis paths. sa rape and tits $0 Plural ad Wat htclede the peral sod rice verse: ad (e) the word "mays atM sde dbcrial t wilbotat may ObIlipailm to ak g s action. 17. Borrower's Copy Borower sbeN N>d tree tie ttq Sectefoy I 18. Tteaskr of the Pr"Iy or a Besaftl w 0 In Bo<der,otsrtNerote tsld of ft bb Swot neatatsal. At ProPugy* mess say lept or baclidsi intares in tha o , A , used at t qd is, t is, 'islerotti to inlereob tre sferM in a bond for deed. rosined for deed, t but or is, dose Ooodkbl of which is ae omatfsr of tltk by Borrow N a Rates dat b s Purehsrer. ascro+r ???. the iatoa ird natural P°sa ny e,t et a interest ? Iwtenst k Nu trr+epwty b soil or uw sfom (or if Borrower k not e Gendermay R9arc bu% 1 Wa Borrewta is add or Useaftrsd) wMOW Lmdw g prior wriwW Poem, shell riot k exercised by I aWderp IFIRICIPk=adub ? byA pli Seewrity trotratal. However. thb oplbIWOMMIed n If Leiden curcim thb ?. Leader"give Barvnerao" of ?w period of Get im thss SB dsys tie date as nft b Om V acmtbnee vA I S wltdtt wrhlttlt Borrower alust pay all sews '?"pond ' >aate ka Most. If Nmra ha to !? thpa stews pw IN ae Noun of M?b pstiod, Luria an Borrower. any tnrtldtaed by fhb 3eptrlry hntsteat tWtMeM hither atttitx adaaeW 19 have a . *e ?t to Rck* aAfi& AooUeretim. If Detrow ar skas ePtbtls eoodboss, Neuvwer siNl Rae dsysdSk to sale ofafjbe?p ej ofGh asaWttt tory btalreatesa wed al m' time prior to Me meUesl of: W or7' part of tab PmWud a ate Send at: (b) Mesh ad- perled u Appll "Lew MW sputlllr for rite OorM600 of 8orrowa's "SM p «itrpee; or (0 my of a JudPma1-Wdr.j 06 Smoky hopsaw. Thee aadlthas; an am W LOW, ,U Ibex would k doe eWder This Seeerlty laataaers teal the P1oN as tfao barroww whfeA but ofavy other coversiuse: to- repor or sit eats; (; fepi pAOap?s areaII to "ab Ssalrity faun oat, des, >ab" lospapka and valuefte fe*& ad other fete WmnW for Ilte r.woegm... • • ""a *t Prox «t1eS Canter's laherpt in tie Property Red right; under thb Scanty b*.."; ? W an sett adlea as iaprahaea, erhd tlossower ?? b ap.ro tot Leader's Internet in the lhoperty and two coda this Setaery Lenderauq ther sorow pay ? ram ass and '*y b he" OW sluraongaee.ed?ed. ?:(?terWWtitaet, rl?wmw's?tacmMw'sdxck. aD' open su btseMatlon wbos. by a Miami may. sce?y:?(d)BMxeiesdeFaWsTreafe. e)paa?b+aeetd?9enatarrMbSsp.ltYbobthawoiaWald benhy doll me" foil, dRkft as if no acceleration het carted Horrersr, this ?adoas aWM no pity in the case of meodar"W dw Secdan is. fook is relrelate ahell 200 Nale 9040* (bather wtai thb; Chomp of Coen 8etrioor; KWOM of(k?yt, The Note or a puN knerat in the Nat m>dit is a OAW is Me Y ? w k nw ooe ermechow wkheet prior,W= a rarower. AsaMwi?ht catty phaew. as the •Loa SeMar•) and tits that CO" Periodic Pq WAMb des Under the Note h*u SephtNy b>sutrnaai wed palhtst atha stahetBap lean savf 4 OhNNOM endw the Nola, Us Seaally we of aiwecberlpt erghe Lpuh $seWea uoeUWM a e nk of Note i?f ihwre ls?cka?p of Tha l o.q ?Serrjsxrrk verrowarwkores" SW to ame sad of eras of tw ache Lae Savkw. du sd - ro w%h h PYs xs saaea et,k cheep widdleviij k laferroatla.'WA ngelks in ceaeee h e with s NWO of der Of i s6oeol M node nd sny oIher VAl or the Lae b se viced by a Loa Strvlcer egnr the. the peon of ? thee. do ?tBAN Note std set Ngamd P has t 0 to Borrower will motile with the Lou Servkw of be treesh red a a successor by the Nob pesc6ata uaiesa otherwise prod by do Noe per Less Serviar and eta cot named UI Neither Borrower nor Leader may aoeonce, jNa, or he jelaed a any jndtem action (a either ae iadividwt 1 t that the meemba of* dais) dd arises from to other ptM,j ameoa pwsaee to tkie mfflswmdwho ain t Ber the other 1?ny hem breschmil o provision of. or my duly owed by mono Secwflybobwmorow ag of, this SKIft al, a(Sa don 15) orsach alleged branch W afhWW 4o?' Me4?Oa? in cm period atle dW do nohhce to isle carocuw aftli. V Appla* Lahr thete Menlo period rwoe la m tang of otcb con be taken, dim adhem p- Mp and time Per od will curet he e dm W to be provides wee'Wa fw ?s offt 11111 , Of apporicaft a Borrower Pastors IoSeclba idshd bedew ed y do r ne oYoeend mdoppoSacgoa itnothj'and the cellos NaooderU w dm of ibb SKOM 20. rotsweoueaUr.aetlpr preyi 21. Hwcd..s Sebstanase. As used in this Secure 21: W •fi Substanotn' an than subseu rap ddlaad k toxic or baatdous 1Aftnca, pollutants. w waste by EwArouwW Law awl the psolhto, Woman, Ulbw ftmraabls or toxic patrahme ps.dn4t, to* pwiadk end he+hlrJda roiadis , Yds. W radioactive rey; W 'gromeaNa! Law• rnna fldsral laws mad laws ofthijarbildiam whom (1J •Fevironoselel PrOPerhl?looeisdtlwreieealeWth.saferyor?Nen; EwAradneed (0) Law; a p an g a ?' r- g- eWOO, MMWW acttoe, or ;;z ecdoe, as dsAeed he Otherwise Idw an Savb.wnbl q °oi°' condition that can teak. Contribute b, or or threaten no arse or pamN the praosm Uk, disposal. sue, or mkak of any itasudm Subsigaces. b the e any aardas Srbsbaces, to or la the property. Borrower doll cot do. sail allow agora ebe Ia do. e n C bn or q property (a) do S In vktellae of any Bavironaeegi Law, (b) which cruise an mmestal B-amen teat adversely (e) which. du to ter prams, uk. or release of s He ardour Sabet"ce. crehpa a coudiff atria: the wlee of the property. The preceding two sentences shell na apply to the MUM q.u. • • p to be approprift rt e, M. or storage oe the proparfy orrad tp rattilea ofHasudow SRhai"M *A udous Idainoes to iteeunBeMere. Bad to mslm<rraaa of the Property (todmft. hot w HH.iW op. ' p a Loader wrote aotka of W aq hlvatipUoo, elwe, dtmatsd, Irwk* a saw a BavMoiooeaai Law ofwhkhDOCIVIM has eCW??a ??to?sp f> t bMilS, dlsehup, rdeee a waWt err nla of ftoaamentil Concert *Mft 60 my Aaearlwt 5i?? a (,C) any Psopesty. If isott war tnrrrs, a Sus 0 selosso are Hmrias S&MM w ' db% the ciao girth I removd Or other roradlation ofey linewdon a ' ?!' ? aU aerspery temetKel tcllaBS o saadeeoe ?h g &*Mw graft dta?td tic " 1. "0e1w'• aatnp+w shall obdpdea oa Leader for on Enviroa WA) Clamp. Nodding berdo 60 Brute my NONJIMFORA OOV9WM. BorrUUwpt Bad Gods brow oovaotmt gad 22- Rowdies. Abr"ofmYaavonBOow"Mot Leda dog g" aorta is Borrower prior to Mm U NWWatti u BorrosrBr'tbreobaf ere greeUeot iD rhbtleerltyiettraesu(botaaeprler toaeodaretlosiuda tiaedon l9 wdm ApplioBble Law p?wldu obawi,4 Leda <hBqa °G amts other *14L. (a) the dtlbult; (b) the 4eM required b Gore the dethak; (e) What the ddmk fhliero to are the default as spodpod May Milk L met be owed; sad (4)11 y lastrummt, foraoleureby jadlehd eoollaaMoo of the some tBtery by Chit Baoath orthe riptt to retasNteatta p Ins MW tgay to aw. Leda shW brDta htih<m borrower of%&&ORamy other e00d0ettotltvldher* littotlmt?thelbtadesereproteaii?lbeo "514 dtr am of Darower to au111911otr ad IN may ratpein +mmblete Mymet tbreebwra use dtdlpEt if trot ts<r"514 Lade at its opt Of Iattrommiwithowferthard"Moi odmaylrrredotetiistltatrlRyn In !bid 181 Of <d! 1byj weer Owed ediei,lpvad by that lltoerhJ, sho'b"MkIN11100DII1101 aB wt mm bUm ld h PwvsbS the ramadle prodded to thl SWtioa 22. U Mg mokW 1% but not 23 Releue, auot"o he sad a" d tib widget to the sleet tparmktW by Appiittbie LOW. Upon poynet a aU spear sacred tW oak cWreyed Adi termliete ad ' hatmntatt, thts saerrity lasu+etagt.ed florriteff " P17 any bBtxtrc vMd. Atha sea ocetnooe, Leeds d" s ay IvArmmra, t ncortil ion opera. l e+sdera?ay chsaN dereowadw a in forte thal, S=ft e If 1110 &1 Is Paid go a 1b" trertetwd Under Appliwida Party am= MRAMW gad "a tiwabrs of do fie is ?A. Waivaa Borrower, to the extent penaeted by Apptkmbie Law. w•wa ad i" pfeC ?l"p w entbroe ft S" Not,u aW. gad hgaly wages dte hd<dlt d te hgpp May MW or detects Pmvkft exanplia for shy of exeetlon, extpulep of ttme, mar,"as km "acbmaN, jr y sw Rie. ad hares nd axenplbB. . 25, to the meItchimepse of t per bldg iod at ll Barr eherowarie''s Pars to rubm" provided is Semen 19 shell toamd o one boor, prize 26. lPgreIts"MooWMartita s pia of ether ale Purim to this S" k ft..L aaguire title to ft p If Bay of to dobt peeed by thle Sewrily Imbua tat is Iu1 to Borrower b ML , be a ppd. 27. lateral R&tGMir JDdV f " on the Non or to an oration of aE+ tic the heerat ripe after amt is tMacd nor" fa"bmv shit be the rate payable km lb" to Jape under the Nose. POOR h1ltr,q,l3.Mi I Oct 24 06 02.04p Jody Conrad 717-957-4345 p.16 - BY SIGNING BELOW, Borrower wnpa aW opm to the terms and ©qmuts eonWned in this Security ktmmem and in aay Rider emwed by Borrower and nec r&d with it. 4.i /II?S? (om) JEANNIE B MOMMAND ?. -Bonvwer Witness: Bor&wwei?i -Borm(seao weer •Borrower 6or ow;er eal) .Sor owei Witness: gnaw "a-fA&fmR www.obtse" am PMM..y. u.nn 9K 1929PS 10929 14M aamw,tdv Um roa AOw,,1,4.,,) C014MONW8ALTH OR P&MMVAM ) COIJNfY OF,4 xw,.f r1,r SS: On this day of C° I'virti, a aa.y'' , bcfoR we. dte on&rdPW OM-' Y WP-W JEANNIE B MOHMAND akttowu to we (or =*hcwly provW to be the per uo) wboae nni* Wsre subscribed 1, the w*M btatlemaaj edmowledeed 00 b'M-Vey a-Aed On same for an MMM thereto eoaMtaad. in wlftm whereof. i boewo aN toy hand sad of(iehl aais, al RimDO da, NoNry PuNa anoaltar County, PA t0 , 9006 06 a a AMMM of (NoWs $tamp and Ewboner) Two of Omc. MY dos evrer. no o herby artll[y tlr?: (1) Uh M/ege We Mplp? a Y?e drty ?oebmised e?on+er or ep? of WprtFtE INDEPENDENCE BLVD, ?04 EW,E7 0 05rddenosb: WUmn my Msd #Ms G a dly of &1'4A'.-' a 00 r wge? ar MOMW o Aeomw AM-M or Am, Tmorr lNeneafhfoc orM?IpheeeDrlyAeiaYMAAel wAM Loan Number: 150009676 1-4 FAMILY RIDM (AS"nmeW of RW ts) M 1.4 FAMQ,Y RIDER is adade Ibb 26th day of OCTOBER, 2005 and is knotp rated two sad shaft be dlsaoed to emend and std,plemeal the Mottpp. Deena of T4W. or Seemly secure onDead (the v5scaky ow?er's Now la LANCASTER MORTGAGE BANKERS,, A L114I ED Mqwwj In LIABILITY COMPANY (lire 'LIVIdar7 Of the same date rd wm tt do lhopary tknalnd In Ike SM* t and looMd al: 245 NORTH 25TH STREET, CAMP HILL, PENNSYLVANIA 17011 Ur4" Adman 1-4 FAMILY COVBNAM. In sditoo in nos twvessnis sod %reeaou arch in the Seraatty lttsrruatew, llortower and Lender brdrer covenant end apaa o renews; A. ADDITIONAL PF Opp y KW WT TO THE SW?VW INGTtttr INT. [n eddldon to db Pro" deeaibedb Meal Ow or her p0er wWOhad b Ike Property to Ike exact tiny ftkm am ' a ?? Wi dded to 6* P7"" Anon. and slap *0 anticbwa the Prop" wvww by the Severity Itt sentaewa iwlldlnt mawkis. apphom and seeds or_vy 11wmn wha11oever now, or ba c@f* looted ter- tm, or esed, Of intended to be teed bt COMMedw vAk the water, * and 110. fire Prranft and V111411111111110f Propailyumkw In, Ib for orsan" dbMhudet b m tcooai? heckift ytgu, sypuaWR secerity and 11ec,, cowrpi '""eats. O mMig. both tWx. wmr beaters„ we* heaps, slake, mqu.:torts, romprators, dishwebm, dlspeab, washers. dryers, nv*p, storm widotrs, sctea11s, 61126, :lades, cartabts and certain spy. Ww-bN mkrms, 0+6411411, r1Norm doors 14011104 aml um* all of whisk- Iado t replacoaesin and addWoae Iherwo, loll be w to be and nmake deara t dK wpk orthe Properly euraed by the Setsairy lestrwaaw. Ap of N4 "9If the the Froperty described In die Seartty kadtattet (of the bate WM lo age* soway " pro? le?11ehnki) nt rohrted to to this 1.4 Family Rider and till SK-by lAwomast a b 8. USE OF PROp@ry; COMPLIANCE WIT" LAW. llesmrrer asrne to or Oda a dhaw he dw use of the pro" or Ns tw O* ew der has aimed In vMft is the rm With fe11, aNas LnMet "901"101111 and rquiremews • BortbM-'O ' 001 Mp a With s!1 pops, ordtwntees, any tot'er'nmattal body nNlleaWe In the P'pPmy C. St{MMM ATE UIM, Excels a permWad Gorr r slap no allow -Y uwr tateier toSe tryIaslrteemd b he pafec qdn" 160 Property widrout prior wrMla ID. othar SS Ids A wCE Norrowar In addltloaRMlo dTicLO insurance s n ?? inagnme a?1 rear lot required by Stalon S, pap 1 or 9 VAIMA M. E '80fdLO"9 $ r4GW TO RUTATe DELET®, Secdun is bddmed. F. BORWWWS OCCUPANCY. U" Lauder mud Borrower etherwlaa spec is midag. Sealers 0 mm" Bacrcwary orxapary Of do hoperry is delaed. G. ASSI%mMT OF LrAsM. Ups Larder's mvw s,w dgmjq Borrower SW assign to Loader 411 looser of an pm" and a snority dapylo wade In 00mcslon a l?1 o'ets of,he Property. Up" the asdga ". Leader ftu bow"risk tom , As toed ht fib ? ? ? 1emand to awek new loner. In Left's main d ecr um. k u ¦ Ind* p Pb G. lbe word'lesse' shag mesa "soblmse' if the Seed y Iaaranraat on . M. A80MEW OFWM- WOMTMMT(*=Mot M MIN l?BSION. Boaeasr abmslaply and WOOZYasips and trutn h.- a Lauer alt the nuns and »vernres t'wem 9 of do P up wy, era wham dw Now of due Ala-'ier, ere ac* ca Borrow "iborlap Laaderor Lender's sgeap to collect the Anne, ad gny t eeeh uenaai of the Proprty sbsl ply eba Naas to Lander or Leader. However, Bwmwer all" lwell a the flown mo pp Lender has liven eorroerer arm. moat or dafaell prseent to Secft 22 cram Secorliyb eirameot and pq Lank has pros awlee to Ike IOWN that tke Reap a s to be pid to Lader or Lender's Meet. TCW =W=W of Rats conswusm as ahsolep aWp,aent ad oot as assone" for addtefenei s a Lander pws noNea of dafasli 1 Borrar: (Q an Rap allvad Mrwm shall be held y Borrower a arnpe [er der baoll ofooLender only, to be IPPOW to the am aaenad by do sad As) Lauder dial be atnMM to mom and rw In u of as Rem hoPe11Y: 010 BarroMw apes, lMt nerd, aapst or the Read. wlPnld to Leaderw Lank's a . Was La hr's written dawW to do terwn r (hr) be "Muld mthec of olbarwlee,allRemooBepMyLasdsraiader'saggetsshall 1aking coaaol or and mow" dni p1OPar'sad wVm ft d, bonds. Inctud. but aw IRON go. afteny,s inn, s fill, p0 on ravel er's repairaad ns,irnmmocacam, lesaraeecaproodu pe, pay, on Ibe Properly. sod tben a she ma®e,eoond by IW tent: (vy , Loft's L.esda self received; ad "OlO d raeelm"be Ihbia b aocood Nr only these Rays P Ala or sad ad h'U L.ader shall be as>ded ro kave a reoslvw aPV*W so she rslnsp the P-POV eras "" Nee Reap lied prefab derived hoer pre Propsty wltboei m aba" lnadeypay of at Y as a 1be ruera?eg The of m Property arc no s.ftlm p wear ? ? Wdsg cn1roi of eM P shalt heo 110"e Of w>huping at weep say 4adt WVWW by Leader for „c, Puseem a sftvm S. daanof Borsmsarto Lender secured by the S cmv Las urnent the R" $ wum am Borrow for aot exaauled sub' Prior a mwmw of not Parfaaed, and l no perforne, "Yam dye wostd prevent Leader from asaeltiag its dghp coder fhb pasjrsph. Leader, or Lender's Igaag or, j"d bUy eppmpd rcmtver. Aall as be rvgi*. to ewer O ? Hor of or malnpgo she Propeery before or after gsvlag noNee of defmk to ere en time when var. Lander, or Leader's &S" or a Jadldaly d re aim. mqr do so Y dehult 0,0=. Any ePPIkMion of Rents slot not acre or weave any dohs,, ?+m. I of a amm.e.r . a invaluw W other rigid or m* of Leads. TM aelmelq of Rats of the proper sho ItJtldWta when dl the Some wand by the Seeartry > et m p M v rail. 1. V OSS OEFAULT PROWNCIN. 3mviver'>s defall orbraaob ands any note or agreemem 14 wbkb Leodar has aA Mato " be a Womb wader IM SUMO bgmmenl and Leoda may imoha any of the remadles po mttled by We 3wmiy hemume. BY SIGNING BELOW, Bwmweracmpg and agrees to the mm and cove"M eommimW in tbta 1.4 Family Alder. JEANNIE a MOMNAND (Sao -Borrower ' -Bode .Bowr Borrower (Saki r INSi11JWNT Pepe S OF 7 Vla7rallras FREPAYMBVT RIDW Loma Number: 150009676 Date: OCTOBER 26, 2005 Borrow f* JEANNIE B MOHMAND THIS PREPAYMENT RIDER (010.1idell Is made fhb 26th day of OCTOBER 2005 and b bte the MtxiBa,e, Dead ofeust or u`p°A.1i°to1' and adaQ be rea.ed to NNW and supplement rrmder or %W, "of Tr to secure " Dead (Ilia S!, bmanwn or the Same doe Riven by #0 LANCASTER MORTGAGE BANKERmS,, A A LIMITED LIABILITY COMPANY -NOW-) in Rpm of ("Lend""). The SMWIY WU'ummt emcambers the Prop" maze specifically de=gw in the Ssartly 1roUvmea1 and located a1 245 NORTH 25TH STREET, CAMP HILL, PENNSYLVANIA 17011 Itiase4 Ad&* ADDMONAL bOVENANTS. in Wftco 19 qra cuv=va and CIS made in the qty Iastrmw, Borrower and fender hrdw ccovem 19 War as follows: A. PREPAYMENT OW W The Note pmv les for ike PsYmeM of a prepayrnemt charge as rolktvrs: 4 V6i' S MW TO pWAY; p WAYMEWT CHMfW A pmyMlen of tk r1 b make payment: Of Principal it any time bellies they ale doe. PrbcWl only b knows as a •Prepsya m.* When i make a Prepaymwl, 7 wdl tell the Note Holder In w" that 1 am dobg so. 1 may not as a Propsymetd lr 1 have mod wide aR the sway ? d?o o Wynam The Note Holder wil mss en 0°da /m Noce. 1 owe under the Note, Howe my PmPa?mgmb to Rdoo f ? amoaat of Prlmdpal thag named add , der NNa Hold r WAY apply M y Paspaywaml b der ac redoes nd w gxdd Interco Oa the Prepayment "ono 1, befbm awykv my Prepayment Peteelpai mm and of tan Note. ff f make a Prepayment, thou wU1 he the no _ h a to Oman clan foas of my Monday payer o? *4 Nola Hower arv a in Tribe Mole conwu providoar for a vngbio kwm rah. m may reduce der among of my moeddy payments dW der am Charms par" Doe fo?? by an lmerw prep traaa Im er, y reduction dw ft my partial P?y? ft be a PvvWs for a vartWe Charp. and the Merest late or Romeo dwip at nary time eawoh tl,ll atoll undde which a Prepayment penalty h adowd, dam the None 's M `M to "re" a Prepayment penalty wal be down Ined order appdeabla 6wIf.older Paps f d 2 ftmw-l- If wltbta TWENTY-FOUR (29 Irutrmeent ) Mood" from We date the Searky is excceled I taahe a fall Prop"" or on at am PUN F MMWOM . and the tool of $11 sets Prapaymm in ay I I me igh Panto e><m* twenty of the aijlnel Principal amount dthe tae. i wo per a ?ewfm m dwp In m mlrwut) *a totw on army pnpYrmd wmo any 12.nmm paled exceeds wemy Percent (am of the pflildpd aaw tithe ben. N1110AWing1he forepl" prevtslore. l amr raehe a f%H pmprymeetWoel parbR a hvsymw dap to ooaaKdm wkh a hone fide end arso4m th sak order 20Y Pad of or ear kld or beadlctel iaterest in, die propeey wilt the fha 2e maetlrs dtbe term d IM Note. The 'bar Ada and arms4mosak• means a seie b wbich ell Of the partles kma ved In ft trunnctiea, Mdoft `Mtpoat lbmwm, the buyer. sdkr, WAV, real estate Wo W Weliv, an b6Peedmt Of ON aeothar and Or Anaeeiel iotp - 1 egee to provide ibe Note Homer *6 a" 4" 'N "M' ftoOMW and Eby the Note Holder to sahetlutlate that the iii! of the hW" Is bm RRl Rider. BY SIGNING BELOW, tkrrowa accepts and agate to the terms end Pro*Wm caetalaed In Oils JEANNIE B MORMAND Borrower -8errower (Sao Borrower Poll) -Borrmm i,SeaA -BorTOwer ?Q -lkrrotear aAMpJIS.TISTATE P AYMp?/T PoDER .SOP POP Z of Z OoatPoe?faYeer MDarwrap www.lNpe?p? ugftff rx EXHIBIT "B" r • This (mntmtent PrquW By: After Rwonling Retum To: LANCASI&MMORTGAGE BANKERS 10 M CE K UM, NEW?JEERSEY07059 Uniform Pwcl Wenti6er Number: 01-21 -02 71- 050 ? PrOpelty Addeas: 245 NORTH 25TH STREET, CAMP HILL, PENNSYLVANIA 17011 Escrow /: ' ii.m#:150009676 CORPORATION ASSIGNMENT OF MORTGAGE FOR VALUE RECEIVED, the undaaifoed hefty VM' U40 and transfers to an or its riot. title and imalm in tad w die (• ?') property covered by rhu certain Mortgage dalad OCTOBER 26 , 2005 . recorded in Book , volume . and Pale . awc ow by JEANNIE B MOHMAND, A MARRIED WOMAN to LA,Np19' = M01tTC UM BUD=^, A LIhiI= L2AHMM 074 mw • as mart`IEor. as =MNEa, and recorded " in the OffsciU Records in the Cwjmy Recorder's office of describing the land herein as: A.P.N. #: 01-21-0271050 1 ('Property"). PEN WMANU CORMRATKW ASSIGNMENT OR MORTGAGE GYl1 tUG6 hp I or 3 wrrw,Ir arti tw„?rlalAY? It - • i I TWS Property is located in the MWMPality of CAMP HILL , ward No. (if loaned in die City of Mtts)ur=b), County of CUMBERLAND , State of Pennsylvania. TOGOTHM witb the ante or now dwein described or referred to. the money dun: nerd to become due dnetma with interest, and ap don u moved or to under said Mortgage. LANCASTER MORTMWE , A LIMI LI ILITY By; A rk-fAro I YCE?E- otponm Seri) Attested: By. DATE STATE OF PINIMUWMI& COUNTY OF LMU On X before me, Notary 1c, VICE P =WIY infown to me (or Pmved to nne on the ban of estietactoty evidetnoe) to be the person(s) whose tame(:) lain subscribed to dw wkWn ittom mm and wkwwle W to me dot bgld It wy asonsed dw som in WwUrftheir ta60dW calfwity(m), and that by WAAW * siVARL- (s) oa the imnumpnt the perms(e), or the entity upon behalf of wbicab the Pw-l*), acted, acc'uted the lux4vamt. weeNfs mS' Y bMid and official ad? 1 A Signature Way rus is Ct0?t? ( f t Won*, 61m of llfw Ys !R2 V (Seal) PENNBYLVAMA COMPORATtON ASSM30 ENT OF 04MG 0E www.al faao 02110106 Poo 2 of 3 11?N,.MN.w MW undmipW bw4by cams= d w; G) 6ehho is the Mortppo of the duty =*ofiM attomney or lljw of the Assignee awned in the v+ithin inscrummr Md (ii) Asdgnx's prod" f WWW IS: 1Mlf m toy bw this day of SPEW$ of Mo"Ppe x MGMPFe's D* Au&Mt O AMO M a APW Type orPtarN-CfMoe"mor MwWw'sDalyAstU dndAmm yofApia PENNSYLVANIA CORPOMT ASSIONMEW OF MORMAO-E 106NDrx7 MOM Psoe 3 of 3 www.?suu?fs.iyw EXHIBIT "C" PHELAN HALLINAN & SCHMIEG, LLP LAWRENCE T. PHELAN, ESQ., Id. No. 32227 FRANCIS S. HALLINAN, ESQ., Id. No. 62695 ONE PENN CENTER PLAZA, SUITE 1400 PHILADELPHIA, PA 19103 (215) 563-7000 143007 DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES ITF RAST 2006-A3 460 SIERRA MADRE VILLA AVENUE, SUITE 101 PASADENA, CA 91107 Plaintiff V. JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 Defendant ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION TE RM ?f NO. 61Z. CUMBERLAND COUNTY CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE NOTICE ?r- ? L. C N d co 0 Tui? 0 Z' 0 M . 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, 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. Lawyer Referral Service Cumberland County Bar Association cow. 32.South Bedford Street oral Carlisle, PA 17013 (800)990-9108 WNW " ?at f/ed Of r9 Otl?+ File #: 143007 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. File #: 143007 Plaintiff is DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES I TF RAST 2006-A3 460 SIERRA MADRE VILLA AVENUE, SUITE 101 PASADENA, CA 91107 2. The name(s) and last known address(es) of the Defendant(s) are: JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. On 10/26/2005 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to LANCASTER MORTGAGE BANKERS which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Book: 1929, Page: 916. PLAINTIFF is now the legal owner of the mortgage and is in the process of formalizing an assignment of same. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 06/01/2006 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 143007 6. The following amounts are due on the mortgage: Principal Balance $290,863.42 Interest 12,030.42 05/01/2006 through 10/30/2006 (Per Diem $65.74) Attorney's Fees 1,250.00 Cumulative Late Charges 329.07 10/26/2005 to 10/30/2006 Cost of Suit and Title Search $550.00 Subtotal $ 305,022.91 Escrow Credit - 78.13 Deficit 0.00 Subtotal - 78.13 TOTAL $ 304,944.78 7. The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as, amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000. 10. This action does not come under Act 91 of 1983 because the mortgage premises is not the principal residence of Defendant(s). WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $ 304,944.78, together with interest from 10/30/2006 at the rate of $65.74 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHE7rancis LLINAN & SCHMIEG, LP By: / S. HaI man LAWRENCE T. PHELAN, ESQUIRE FRANCIS S. HALLINAN, ESQUIRE Attorneys for Plaintiff File #: 143007 LEGAL DESCRIPTION ALL THAT CERTAIN lot or parcel of land situate in the Borough of Camp Hill, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point, the intersection of the easterly line of North Twenty-Fifth Street, formerly Locust Avenue, with the southerly line of Lincoln Street; thence north 79 degrees 30 minutes east along the southerly line of Lincoln Street, a distance of one hundred forty (140) feet to a point on St. John's Alley; thence south 10 degrees 30 minutes east along the westerly line of St. John's Alley, a distance of eighty (80) feet to a point; thence south 79 degrees 30 minutes west along the northerly line of Lot No. 42, Section'E' on the hereinafter mentioned Plan of Lots, a distance of one hundred forty (140) feet to a point on the easterly line of North Tweniy-Fifth Street, formerly Locust Avenue; thence north 10 degrees 30 minutes west, along the easterly line of North Twenty-Fifth Street, formerly Locust Avenue, a distance of eighty (80) feet to a point, the place of BEGINNING. HAVING thereon erected a two-story brick dwelling house, No. 245 North Twenty-Fifth Street, Camp Hill, Pennsylvania. BEING Lots Nos. 38, 39,40 and 41, Section 'E' on a Plan of Lots laid out by Arthur B. Rupley and Celeb S. Brinton, and known as Plan No. 2, First Addition to the Borough of Camp Hill, Said Plan being recorded in the Recorder's Office in and for Cumberland County, in Plan Book No. 1, Page 5. BEING the same as surveyed by William B. Whittock, R.P.E., dated August 13, 1962. BEING the same premises which R. Thomas Kline, the Sheriff of Cumberland County, by deed dated May 24, 2005 and recorded on May 25, 2005 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book 269, Page 40, granted and conveyed unto Community Banks, Grantor herein. BEING KNOWN AS: 245 NORTH 25TH STREET. File #: 143007 FRANCIS S. HALLINAN, ESQUIRE hereby states that he is attorney for PLAINTIFF in this matter, that Plaintiff is outside the jurisdiction of the court and or the Verification could not be obtained within the time allowed for the filing on the pleading, that he is authorized to make this verification pursuant to Pa. R. C. P. 1024 ( c ) and that the statements.made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unworn falsification to authorities. FRANCIS S. HALLINAN, ESQUIRE Attorney for Plaintiff DATE: 10 ? 30k EXHIBIT "D" PHELAN HALLINAN & SCHMIEG, L.L.P. By: DANIEL G. SCHMIEG Identification No. 62205 Attorney for Plaintiff ONE PENN CENTER AT SUBURBAN STATION 1617 JOHN F. KENNEDY BLVD., SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES ITF RAST 2006-A3 v. Plaintiff', JEANNIE B. MOHMAND Defendant(s). CUMBERLAND COUN'Il COURT OF COMMON EAIF -,a - Fn CIVIL DIVISION 'DC1 NO. 06-6376 CIVIL TE PRAECIPE FOR IN REM JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Xindly enter an in rem judgment in favor of the Plaintiff and against JEANNIE B. M0H- HAND, Defendant(s) for failure to file an Answer to Plaintiffs 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 $304,944.78 Interest from 10/31/06 to 12/26/06 $3,747.18 TOTAL $308,691.96 I hereby certify that (1) the addresses of the Plaintiff and Defendant(s) are as shown above, and (2) that notice has been given in accordance with Rule 237. 1, copy attached. ATTORNEY FILE COPY DANIEL G. SCHMIEG, ESQUI PLEASE RETURN Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATE . DATE: ?fGC , PRO PROTHY 143007 EXHIBIT "E" After recording return to: Phelan Hallinan & Schrnieg L.L.P. One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Ste. 1400 Philadelphia, PA 19103-1814 R09ER'I P. ZIEGLER :RECORDER OF DEEDS CO0.:.63E'RI_A11D COMITY-! 't JUL 5 RR 10 48 Servicer: IndyMac Bank FSB #3001578206 AFFIDAVIT OF LOST ASSIGNMENT OF MORTGAGE Date: 6/12/2007 Based upon a diligent search of the property records, it appears the Assignment of Mortgage from Lancaster Mortgage Bankers, whose last known address was in 20 Independence Blvd., Warren, NJ 07059, to Deutsche Bank National Trust Company as Trustee under the Pooling and Servicing Agreement Series ITF RAST 2006-A3 (Assignee) was never recorded and inadvertently not completed and is now unobtainable. The affiant hereby affirms that it has acquired the underlying Note and Mortgage and is the assignee by virtue of this affidavit. Said Mortgage dated 10/26/05, recorded in the county of Cumberland, state of Pennsylvania is more particularly describes as follows: Original Mortgagor (s): Original Mortgagee: Original Principal Amount: Recorded: Property Address: Tax Parcel No: Jeannie B Mohmand Lancaster Mortgage Bankers 292,000.00 1l/l/05 Book: 1929 245 N 25th Street, Camp Hill, PA 17011 01-21-0271-050 Legal description attached or refer to Mortgage herein assigned for 'Ind By: State of: TEXAS County of: WILLIAMSON ) SS kL3o©:j- Page: 916 On, JW I21"07 before me the subscriber, personally appeared Paige Holen, Vice President personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity u behalf of which the person(s) acted, executed the instrument. A A . ,/ WITNESS my hand and official seal (seal) J?QQAQIQQ?kQQ6QQdQAQQQQQQQQQRQiQAQ ...wa.gy iijar Po", CYNTHIA CONL The precise address of the ? 'c Notary Public within named Assignee is: STATE ?EXAS t = ?,= My commission 460 Sierra Madre Villa Ave Pasaden CA 911.?....?••'' Expires 03/111/2008 o???osoov raa?aas+?+?fofxrrva?s;s+taaafv By: yA (On behalf o9 the assignee) -'.t3 7 3 0.P4 5 43 3001578206 Neville Cooper Land Services of PA 400 Fellowship Road, Suite 250 Mt. Laurel, NJ 08054 (856) 793-3200 Fax (856) 793-3201 RECORD OWNER AND LIEN CERTIFICATE Issue Date: 10/25/2006 Effective Date: 10/12/2006 RD 10/12/2006 PRO 10/12/2006 RW Order Number: LTS23112/PA57382 Servicer: INDYMAC BANK Client Number: 143007 Premises: 245 North 25th Street, Camp Hill, PA 17011 Borough of Camp Hill, Cumberland County Pennsylvania Based upon the examination of evidence in the appropriate public records, Company certifies that the premises endorsed hereon are subject to the liens, encumbrances and exceptions to title hereinafter set forth. This Certificate does not constitute title insurance; liability hereunder is assumed by the Company solely in its capacity as an abstractor for its negligence, mistakes or omissions in a sum no to exceed Two Thousand Dollars. ALL THAT CERTAIN lot or parcel of land situate in the Borough of Camp Hill, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point, the intersection of the easterly line of North Twenty-Fifth Street, formerly Locust Avenue, with the southerly line of Lincoln Street; thence north 79 degrees 30 minutes east along the southerly line of Lincoln Street, a distance of one hundred forty (140) feet to a point on St. John's Alley; thence south 10 degrees 30 minutes east along the westerly line of St: John's Alley, a distance of eighty (80) feet to a point; thence south 79 degrees 30 minutes west along the northerly line of Lot No. 42, Section "E" on the hereinafter mentioned Plan of Lots, a distance of one hundred forty (140) feet to a point on the easterly line of North Twenty-Fifth Street, formerly Locust Avenue; thence north 10 degrees 30 minutes west, along the easterly line of North Twenty-Fifth Street, formerly Locust Avenue, a distance of eighty (80) feet to a point, the place of BEGINNING. HAVING thereon erected a two-story brick dwelling house, No. 245 North Twenty-Fifth Street, Camp Hill, Pennsylvania. ATTACHED TO AND FORMING A PART OF RECORD OWNER AND LIEN CERTIFICATE Order Number:LTS23112/PA57382 Servicer: INDYMAC BANK Client Number: 143007 BEING Lots Nos. 38, 39, 40 and 41, Section "E" on a Plan of Lots laid out by Arthur B. Rupley and Celeb S. Brinton, and known as Plan No. 2, First Addition to the Borough of Camp Hill, Said Plan being recorded in the Recorder's Office in and for Cumberland County, in Plan Book No. 1, Page 5. . BEING the same as surveyed by William B. Whittock, R.P.E., dated August 13, 1962. BEING the same premises which R. Thomas Kline, the Sheriff of Cumberland County, by deed dated May 24, 2005 and recorded on May 25, 2005 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book 269, Page 40, granted and conveyed unto Community Banks, Grantor herein. PARCEL IDENTIFICATION NO: 01-21-0271-050 Certi ?y this tc b recorded :In Cumberland COLIWY PA of Deeds 738PG 1545 Exhibit "F" 02/16/2015 00:39 FAX TWIS DEED 13 f? of. r v e-G . 2006. is made this --4T? BETWEEN 36ANNIE MOHMAND. Grantor. AND Herein mfv?vd to se C3wtwr JOSHUA KESLSR,ofDauphin County. Pg;MWivanis. Herein referred to as Granted w1TNES31r'Tl i. that the said petty of tits first part, in consideration of Tat Thamem D*l and cpovs ($ LbyMo_M ) to hint now paid oy the said "ofire second part, does grant, bergai , soil an y unto the said party of the second part, her heiri and sarigns, MOlNN1N0 at a point, the intersection of the easterly lint ofNorth Twenb -Fifth Strooy fbrmerlY Locust Avenue, with the southerly line of Lincoln Street; thence north 79 degrees 30 minutes east I" the southerly line of Lincoln Sirest, a distance ofone hundred forty (140) feat to a point on St. John's Allay; tbenco south 10 degrees 30 mltttites eat along the westerly line of St. John's Alley, a distance of eighty (60) feet to a point, thauc south 79 degrees one hundred Pony (140) lhet to a point an the easterly line of North Twcnry-Fifth Smear, formerly Locust Avenue, thence north 10 degrees" minutes west. along the easterly Iine of North Twenty-Fifth Street, Roctnody Locust Avenue, a distance of el,& (E0) feet to a point, the PLACE OF BEGINNING. HAVING tbomon erected t two story dwelling know and numbered as 245 North Twenty-Fifth SUect, Camp MR ',K 46- 8r.-fn+ll% arc CAtep W9, &W.-," 'v'ft*%c. SONG the same pmmises which C mmunity Banks gamed and conveyed unto Jeannie Moilmand, decd .dated October 26, 2005, and reaomdad In the Cumberland County [recorder of Duds by inswment number 200541121. To have and to hold all and singular the premises before mentioned unto the said gramec his heirs and assigns forever, AND THE GRANTOR does hereby warrant Specially the progeny hereby convey" fa 002 )5=/2009 10:57.02 AM CNmmmLAND COUNTY InsLA 200OOM4 • Tape 7 a 02/16/2015 00:39 FAX 1N WITNESS W MI35OF, Mid Gmntor hot hu*Mto set his hsod and seal tho day and year first above writM. SIGNED SEALED AND ABLIV$RED IN TH PRESENCE OF Ii? - ce,4 W] 65S COMMONWEALTH OF PENNSYLVANIA COUNTY OF D Av k'?V SS. On this day of 2003, befol me, a Notary Public, persona[ Y app ared Joarnie Moh =14 ri el or, known to me (or satis(bdM ily proven) to be the person whom name is subscribed to the within Doed end acknowledged that ho executed the same for this purposes therein containod, witness my hand mW seal the day and year afbresald, Notary P tic i HEREBY CERTIFY that the prteise addrue of the Grmtee heroin is., 445 S. Common S(roet Har&bLn, Pennsylvania 17101 ,•??, "???*M11. , •i"•Ly?_, SGT. w RAW ORS, J nle M trod d ,2MONWEA?? OFIR NSYL A NfftW SW F" pJ. Dobson, N0Wy PL1* W%Lstons?Sqrl4abio bar. Penn.yrveris A ngaWw of Noarles Z003 05105)2009 10;47-.02 AM CUMaaRI.AND COUNTY lnat.0 200009M - Pape 2 oT 02/16/2015 00:40 FAX ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUM 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717.240-6370 rostrum-sot Number - 200SO9624 RAoorded On 313112008 At 9:52:55 AN • Instrument Type - DEED invoice Number -1' 437 User ID - AF • Grantor - MOIMANA, JF.ANNB: * Grantee - K9'.3SLF.R, JOSHUA * CUStomer - KESSLER 2IMS S TATS TRANSPSR TAX $100.00 9TAT$ wAIw = $0.50 STATE JCS/ACCXM TO $10.00 JUSTICZ RECORDING it SSS - $12.30 1tICORDER or Dame AMMASLia EOVSXNG $11.50 CoVNTT ARC S rim $2.00 ROD ARGIiMS EEL $3.00 CAMP NZIL SCHOOL $50.00 DISTRICT CAMP BILL BORO $30.00 TOTAL PAID $239.50 * Total Pages - 3 X1004 Certification Page DO NOT DE'T'ACH 't`his page is now part of this legal document. I Certify this to be recorded is Cumberland County PA R9C0 DER O 12 S r - Information denoted by on asterisk may ebanps ddriag the vorifiention prooass and may not be r4ff*dod on this page- , nrwnwwa 10:57:02 AM CUMBpRLAND COUNTY Ir*.0 200809824 - Papa 3 Of: VERIFICATION I hereby state that I am the attorney for the Plaintiff in this matter, that Plaintiff is outside the jurisdiction of the Court and/or the verification could not be obtained within the time allowed for the filing of the pleading, that I am authorized to make this verification pursuant to Pa.R.C.P. 1024 (c), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of my knowledge, information and belief. Furthermore, counsel intends to substitute a verification from Plaintiff upon receipt. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsifications to authorities. Attorney for Plaintiff DATE: ?"" 4_d 1 File #: 200444 OF 74c'p f iC?, E "I'MAi _8 Alf 11: TARY ? CC1tvs_ 1 v ?, l rr, irk c D?06 7 I . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST No. 2009-2891 COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES ITF RAST 2006-A3 460 SIERRA CIVIL ACTION MADRE VILLA AVENUE SUITE 101 PASADENA, CA 91107, TERM Plaintiff V. JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 AND JOSHUA KESLER 245 NORTH 25`h STREET CAMP HILL, PA 17011 NOTICE TO PLEAD TO: DEUTSCHE BANK NATIONAL TRUST C/O Daniel G. Schmieg, Esquire and Joseph P. Schalk, Esquire PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Blvd., Suite 1400 Philadelphia, PA 19103 You are hereby notified to file a written response to the enclosed Preliminary Objections within twenty (20) days from s PCTI.D. judgment may be entered ag ainst you. JOHN JR., ESQUIRE Sup 85 Attorneys for Defendant Joshua Kesler 17 East Market Street York, PA 17401 (717) 845-3674 3. Objecting Defendant preliminarily objects to Count I of the Complaint pursuant to Pennsylvania Rules of Civil Procedure, Rules 1028 (a) (5). FIRST OBJECTION - LACK OF CAPACITY TO SUE 4. Paragraphs 1- 3 are incorporated herein by reference. 5. As stated in Plaintiff s Complaint, the only mortgagee of record having an interest in the subject property at 245 North 25th Street, Camp Hill, PA 17011 is Lancaster Mortgage Bankers pursuant to a mortgage recorded in the office of the Recorder of Deeds of Cumberland County at Record Book 1929, page 916. 6. No assignment of mortgage is recorded in the Recorder's Office assigning Lancaster Mortgage Bankers' mortgagee rights to Plaintiff. 7. The only copy of an assignment presented by Plaintiff as an exhibit in its Quiet Title Complaint does not assign Lancaster Mortgage Bankers' rights to Plaintiff. In fact, the assignee information is blank on the assignment. 8. Plaintiff is not an assignee of any mortgagee interest, and as such cannot avail itself of any of the rights, such as foreclosure, attributable to a mortgagee. 9. Plaintiff has no title interest in this property according the public records contained in the Cumberland County Recorder of Deeds office and as such, Plaintiff has no capacity to sue in foreclosure or to quiet title under some presumption that it is a mortgagee. WIWREFORE, Objecting Defendant prays this Honorable Court to dismiss Plaintiff's Complaint as a result of Plaintiff's lack of capacity to sue in foreclosure, quiet title or otherwise. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST No. 2009-2891 COMPANY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT SERIES TTF RAST 2006-A3 460 SIERRA CIVIL ACTION MADRE VILLA AVENUE SUITE 101 PASADENA, CA 91107, TERM Plaintiff V. JEANNIE B. MOHMAND 4020 LISBURN ROAD MECHANICSBURG, PA 17055 AND JOSHUA KESLER 245 NORTH 25`s STREET CAMP HILL, PA 17011 PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, this '4 day of May, 2009, comes the Objecting Defendant, Joshua Kesler by and through his attorneys, Blakey, Yost, Bupp and Rausch, LLP, and file these preliminary objections, whereof the following is a statement: 1. Plaintiff is Deutsche Bank Nations Trust Company, with offices at 260 Sierra Madre Villa Avenue, Suite 101, Pasadena, CA 91107. 2. Objecting Defendant is Joshua Kesler, an adult individual who resides at 245 North 25th Street, Camp Hill, PA 17011. SECOND OBJECTION - FAILURE TO JOIN AN INDISPENSIBLE PARTY 10. Paragraphs 1- 9 are incorporated herein by reference. 11. The exhibits in Plaintiff's own Complaint establish that Lancaster Mortgage Bankers is the sole mortgagee of record holding a title interest against the property at issue in the matter. 12. Plaintiff has failed to include Lancaster Mortgage Bankers in the matter even thought it has a title interest and this matter is an action in Quiet Title. 13. Lancaster Mortgage Bankers is an indispensable party in this matter and its title interests, if any, need to be established and/or extinguished as between all parties herein. 14. Failure to join Lancaster Mortgage Bankers as an indispensable party is grounds for Objections under PA R. Civ. P. 1028 (a) (5). WHEREFORE, Objecting Defendant prays this Honorable Court to dismiss Plaintiffs Complaint as a result of Plaintiffs failure to join Lancaster Mortgage Bankers as an indispensable party. Respectfully submitted, BLAKEY, Y UP & RAUSCH LLP BY: 10W. BARANSKI, JR., ESQUIRE Supreme CT. I.D. #82585 Attorneys for Defendant Joshua Kesler 17 East Market Street York, PA 17401 (717) 845-3674 CERTIFICATE OF SERVICE I hereby certify that I have this date served a copy of the foregoing Preliminary Objections to Plaintifrs Complaint on the person and in the manner indicated below: Service by First Class Mail on: Daniel G. Schmieg, Esquire and Joseph P. Schalk, Esquire PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Blvd., Suite 1400 Philadelphia, PA 19103 BLAKEY, YQ? ,JRP &,RAUSCH, LLP DATE: a?-&- U 1 BY: JOI)PT. BARANSKI, JR., ESQUIRE Supreme Ct. I.D. #82585 Attorneys for Defendant 17 East Market Street York, PA 17401 (717) 845-3674 11 - OF TFE 2 t,U9 11 (, fl 2: 7 k i i L tJ Sheriffs Office of Cumberland County R Thomas Kline Sheriff Ronny R Anderson Chief Deputy ?W'It, eC 4ltmbrr Edward L Schorpp Solicitor r C> i Jody S Smith OFFICE r.. t,E _-ERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 05/11/2009 06:48 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on May 11, 2009 at 1848 hours, he served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Joshua Kesler, by making known unto Joshua Kesler personally, at 245 N. 25th Street, Camp Hill, Cumberland County, Pennsylvania, 17011 its contents and at the same time handing to him personally the said true and correct copy of the same. 05/11/2009 R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Jeannie B. Mohmand, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of York County, PA to serve the within Complaint to Quiet Title according to law. 05114/2009 09:20 PM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Jeannie B. Mohmand, but was unable tc locate her in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Jeannie B. Mohmand. An exact address is not available. 06/05/2009 R. Thomas Kline, Sheriff, who being duly sworn according to law, states that on June 5, 2009 at 1010 hours this Complaint in Mortgage Foreclosure upon defendant Jeannie B. Mohmand is returned not served per request from attorney Daniel G. Schmieg. SHERIFF COST: $86.60 June 05, 2009 2009-2891 Deutsche Flank National Trust V Jeannie mohmand & Joshua Kesler 2 -c3 µ? try '" '; f4,;. C.`J SO ANSWERS, R THOMAS KLINE, SHERIFF r Depup Sheri 0 k?o G t co tx t.` 9 A W COUNTY OF YORK RIC 7)771-9601 E OFFICE OF THE SHERIFF S( 1 45 N. GEORGE ST., YORK, PA 17401 SHERIFF SERVICE OSTRMTKM PROCESS RECEIPT and AFFIDAVIT OF RETURN PLEASE TYPE ONLY LINE 1 THRU 12 DO NOT DETACH ANY COPIES 1. PLAINTIFF/S/ 2. COURT NUMBER DEUTSCHE BANK NATIONAL ASSOCIATION... 09-2891 CIVIL 3. DEFENDANT/S/ 4. TYPE OF WRIT OR COMPLAINT CIA T QT JOSHUA KESLER AND JEANNIE B. MOHMAND MORTGAGE FORECLOSURE SERVE 5 NAME OF INDIVIDUAL, COMPANY. CORPORATION, ETC TO SERVE OR DESCRIPTION OF PROPERTY TO BE LEVIED, ATTACHED, OR SOLD kftikxRtgRMRNxRRAUxXkgRMIRBRiIRR*xRAxx:k:Rik:R:kx JEANNIE B. MOHMAND 6.3QkDDRESS (STREET OR RFO WITH BOX NUMBER, APT NO., CITY, BORO. TWP. TAT AC L AT 4020 LISBURN ROAD, MECHANICSBURG, PA 17055 G?TS?y"'` UM"?V 7. INDICATE SERVICE: O PERSONAL O PERSON IN CHARGE O DEPUTIZE O CERT MAIL O 1 ST CLASS MAIL O POSTED O tOE-R NOW 20 I, SHERIFF OF YORK COUNTY, PA, do hereby deputize the sheriff of COUNTY to execute this Writ and make return thereof according to law. This deputization being made at the request and risk of the plaintiff. SHERIFF OF YORK COUNTY 8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE OUT OF CO CUMBERLAND PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK BLVD, SUITE 1400 ONE PENN CENTER PA&ZA PHILADELPHIA, PA 19103 ADV FEE PAID BY ATTY. NOTE: ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN - Any deputy sherAl levying upon or attaching any property under within writ may leave same without a watchman, in custody of whomever is found in possession, after notifying person of levy or attachment, without liability on the part of such deputy or the sheriff to any plaintiff herein for any loss, destruction, or removal of any property before sheriffs sale thereof. 9. TYPE NAME and ADDRESS of ATTORNEY/ ORIGINATOR and SIGNATUREDANIEL G. SCHMIEGM ESQ. 10. TELEPHONE NUMBER 11. DATE FILED 1617 JFK BLVD, STE 1400, PHILA, PA 19103 215-563-7000 *i•?ll 12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mailed) CUMBERLAND CO SHERIFF SPACE BELOW FOR USE OF THE S F - DO NOT WRIVEMIELOW THIS LW 13. 1 acknowledge receipt of the writ 14. DATE RECEIVED 15. Expiration/Hearing Date or complaint as indicated above. MJ MCGILL YCSO 5-12-2009 6-7-09 16. HOW SERVED: PERSONAL ( ) RESIDENCE ( ) POSTED( ) POE( ) SHERIFF'S OFFICE ( ) OTHER ( ) SEE REMARKS BELOW 17. O 1 hereby certify and return a NOT FOUND because I am unable to locate the individual, company, etc. named above. (See remarks below.) 18. NAME AND TITLE OF INDIVIDUAL SERVED / LIST ADDRESS HERE IF NOT SHOWN ABOVE (Relationship to Defendant) 119. Date of Service 120. Time of Service 21. ATTEMPTSI Oa& I TimsdEMilesd? IoV%1 Date I Time I Miles I Int. 1 Date I Time I Miles I Int. 1 Date I Time I Miles I Int. 1 Date I Time I Miles I Int. 1 Date I Time I Miles I Int. 22. THIS ADDRESS IS IN CUMBERLAND COUNTY. 23. Advance Costs $100.00 24. Service Costs .00 25. a '; 26. Mileage 30'C"5' 27. Postage 28. Sub Total 914. 29. Pound 30. Notary ^• [?G' 31. Surchg. 32. Tot. Costs i? 33 Costs Due efund ,, ?? Check No. 34. Fore4n County Costs 35. Advance Costs 36 Service Costs 37. Notary C rt. 38. Mileage/Postage/Not Found 39. Total Costs 40. Costs Due or Refund 9th SO ANSWERS 41. AFFIRMED and subscribed to bef a me this 42. day09f3. 44.?gnat?f 45. DATE I Y I - f ' FUBUC P41 y L 46. Signature of York County Sheriff RICHARD P. KEG ^ , 'BER, .? 2I 47. DATE 5-?.9°09 M •iG 12 2009 -- 48. Signature of Foreign County Sheriff 49. DATE 50. 1 ACKNOWLEDGE RECEIPT OF THE SHERIFF'S RETURN SIGNATURE 151. DATE RECEIVED OF AUTHORIZED ISSUING AUTHORITY AND TITLE 1. WHITE - Isswng Authority 2. PINK - Attorney 3. CANARY - Sheriffs Office 4. BLUE - Sheriffs Office 2 1o C? ry ?? a CJ ,?v PHELAN HALLINAN & SCHMIEG, LLP BY: DANIEL G. SCHMIEG, ESQUIRE Identification No. 62205 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 Deutsche Bank National Trust Company, As Trustee Under the Pooling and Servicing Agreement Series ITF Rast 206-A3 460 Sierra Madre Villa Avenue, Suite 101 Pasadena, CA 91107 Plaintiff VS. Jeannie B. Mohmand 4020 Lisburn Road Mechanicsburg„ PA 17055 And Joshua Kesler 245 North 25th Street Camp Hill, PA 17011 Defendants ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No.: 09-2891 PRAECIPE TO WITHDRAW COMPLAINT TO QUIET TITLE TO THE PROTHONOTARY: Please withdraw the Complaint and mark the case Discontinued and Ended without prejudice in the above referenced case. Date: 1 a Daniel G. Schmie , quire Attorney for Plaintiff PHELAN HALLINAN & SCHMIEG, LLP BY: DANIEL G. SCHMIEG, ESQUIRE Identification No. 62205 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 Deutsche Bank National Trust Company, As Trustee Under the Pooling and Servicing Agreement Series ITF Rast 206-A3 460 Sierra Madre Villa Avenue, Suite 101 Pasadena, CA 91107 Plaintiff VS. Jeannie B. Mohmand 4020 Lisburn Road Mechanicsburg„ PA 17055 And Joshua Kesler 245 North 25th Street Camp Hill, PA 17011 Defendants ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No.: 09-2891 CERTIFICATION OF SERVICE I hereby certify a true and correct copy of the foregoing Plaintiffs Praecipe to Withdraw Complaint was served by regular mail on the following parties on the date listed below: John J, Baranski, Jr., Esquire 17 East Market Street York, PA 17401 DATE: !a Daniel G. Schmieg, E Attorney for Plaintiff THE "T"Y 2DO9 J i, 15 r,i i 10: 0 0