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HomeMy WebLinkAbout09-3224I SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 /ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS Scott Chapman 11 I Holly Drive Mechanicsburg, PA 17055 DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: Q - .3?2?1 ?t v c COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO TARE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED, EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: oar- 3 2 a Y 01? J_ c, vs. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 DEFENDANT COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, the address of which is, 1661 Worthington Road; Suite 100, P.O. Box 24737, West Palm Beach, Florida 33415, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as Nominee for BNC Mortgage, Inc. Mortgagor(s): Scott Chapman (b) Date of Mortgage: March 27, 2007 - 04-15-'09 - - 15:37 FROM- T-741 P0008/0029 F-463 MNI I4 L000 UL.O Lfall rlul,- I'Jdl f .YYf/YLr f-1 YJ "Ic i / 0 ?r r Cw?rpl p• IIEVLE 1 ' 9 f 1't A-lp C •' . Pow" ay: kanun To: W 'I r Rot:ora $ Ret?rrr? r Z, Ch 623-9656 Q, '"M0'ndenceAbettact6rtinA 7040 Krn05, HI (r10rrCy h 9 Way North S`urra 700 PWVA Number; Cherry Hill, tij 08034 1856) 779-0099 Y,o„ ap No.: 1?A74Gi7516 iii 11OOLLY Dot, wCUMICaMR0, pX 17055 t6p? Ab"s I%k iawvw R wrdtea txw MORTGAGE DBFINMON3 MINT 100122200003112197 i -,A wVorde wad in multiple seedan of thk do eat M. *MW below rod odd wotaa tae defined is SmtkW 8, 11, 13, 18. 20 and 21. Ceatain nilee iegiudirig tea wage of wordy area In tbis document sure do pavided in Ucdan 16, (l) "Be+ea ty hwirument" mrmt thin doewnew. which is dated Match 27 , 2007 , together yitb all Rides to tbb document. 0M'Vorrow*er"is SCOTT CHAFMM. Barmwer is dw martgrgor under We Security Iasatafi t. (C) "MM" Is Mtatgage Electronic ROS11 tiioa Syrlmte, Ina. MBRS lr i rrprnue ootpaadw that is wain toirly as a naminn lbr La der and Ladw*s saoemon end ww4w. MW b fir maIMa undw flan Beorrity ImlMment. MMS Is orpolmed and waft =dw the Im of Drtiww. and hrt as adl?rae6 ind TWaptuone aumbar of P.O. Ba M6, Phut MI 48501-ZOZ6, tel. WS) 67P-MM . /! UhLQ17516 PIaYLYANK - Single Fomlly - Fsnah rr.dt•reddle Mno uNwaarr =Tiqumwr Vorm tl wa IWA(1'AltOnlrlAl F01m3039 1fQ1 t'aN I et I r birwr: Vjn?,rmr,pada, ¦s. 04-15-'09 15:37 FROM- T-741 P0009/0029 F-463 ANr-10-LYYa UL;OJpII rrum- 1-041 r-uuaiu4c r-ivo (D)17m er" io we DloAM(m, zw., •A l Alf Cato'FAZ'm I-&-is i Qovoa;a Lion organised aad existing wOw the larva of Dslawows lapdcr's addtaes is P.O. BpX 19656, r xft, t'K 92623-9656 (N? "Note" means zee pwmiaaocy note I*W by Borrows and dead March 27, 2007 MW Note ttum tutu Borrower owes Leader one hundred sesonty-t2was thousmd throe hawdrad a;anrsnt V-live and 00/100 Dollars ((1.S. S 7.73, 375.00 ) plea inamt, Damower hu promised w pay this debt In regular Periodic PllyJUtmts and to pay the debt in toil not later ultras llpril 1, 2097 (0) "Property" mesas die pmpc ty that Im described below uadet the heading 'Tmst'ar of Righta in the ftpay" (©) 'Usn" manna the debt endotrced by the Note, plus lataeat, any prepsy=cnt druge3 std laic chmp digs troder the Note, and dl sums an under tbi4 Sewaity laemmaamt, pho hi mm 0 "Rldea" n ewu s!1 llldata to this burity I<pamettmmt thu are atoecuted by Borwww- The following Won as to bet executed by Bormrver (dwk box w applioablol: Adjaslabla Race Rider Condominium Ride Sao )ml Noma Rider Balloon Rider Planned Unit Dwalopwm Rider l?4 PwAy Rider VA kidet BlowklY Pay t Rider Olbss(s) [spacifyl t? Prepayment )malty Aidar (> "APplioeb)e IAA" MOM °NU Natrolliag .ppUG" fod", rusts and bawl down, ordman w IRA adtetmiemldge mates acid orders (that tM the atlbct of 1w w well u Mi apph 003- o?ictioot. Aaawdatiba Duey ltaea, sad Aaruaeuda" meroa aU char, tab, uaaaat ob mod other ?at;E! that so impoaDd on ]Anwar of the Prbpe+cly by a oomdommiimt smotdatlon, ltio Mwmrs t&poa ulbn or simiisr orgatn(a idn. t? "3hlecerrnlc PYrndl'J<lraastGa` means an tttiee*r of fuptti. odat them a atauacdoa cdgbutad by &Kk, *d of aiNuar papal' t wunamt, which is olioalod tpcou/h am slnenaatic tarimioel. WeDbotdc inaratlaaeat, aoa?IUaet, ea am>g;tOtic t.pe w .. w q.der. ta.awy ar .otiraei.. a lteraetd in?Nrarlm.'n Ambit our cfa4it 4 modest. Stroh term Includes, bni h not litotaed to. podaof-sails sus. mlom d alter MAW uWattt0w, ttattstl,'aa inidated by toiapUm. aAm tsar dm. WW aeto®tttad dat*?Om titmlfln- ")R M" lietmr noses Wore 4taaaa drat m dumibed in Smd m 3. estdaraot, xwtA 0f dploo a, 0r 1 "llduailameous Phlt eie" from my . J' {other t#wi ina+t:enae pall utxlar stn eowergr described io S) fir: (1) by say ailed lra dMosp m or dutnrrdae of am Pao ",- (1) oolsdaenoattoa or other Wft of A a EW pact of duo Plop q. bli) amsym a in Ilea of aondMw daa or C?v) whisptea?saaama of. or ottisstooa as eo. 60 vsitta md/ar aefto of tea POapa<ty. ape rigsiceataae" harass itnguntam+x pteaoeCt? I?dar against ttu aat?aymeot of, or defYolt ca. ftLon. Nm, ply I mly aaptnbnte underr +es SaWoo 3 of this Witty t t. (? pr!Wpd and iatet+eat urtdet the 9AI.417516 ware. %.sA1PAI eaaa, ft" a ai is Fotm 3039 1101 wt -91 8,PG .14 7-4 . 04-15-`09 15:37 FBOM- Apr-rv my uc:aapNr rrure- T-741 P0010/0029 F-463 1-JJI r•VVO/Y6Y , ,Y.l (P) UPAR 11 meene the Red Banta St W=mt 1'tneedatct Au (I2 U.S.C. Swatiom 2601 et tcq.) and its g?1Won, Rgplpd m X CZ4• C.Pa.lt:, part 350. u Aq taint be amaatded Rom time to dme ad6fisoeal or aucoanMgr bgialid= or aeSWat{oat dw saVtvOt *e am* *4 aobl w. M wed !laud we imemw L togaa+d to die lbstl unw, wIMA' tofeis to ail rOWAMMM aaddromkdm tp a • mater =mp%o 1wwr e.ru if 9fU•a L~ den Isd? ad s OtOdwyfly Kbt .Mnrlaep. loanR der A. Q) ' ' In Inuni t of Botrtinrer'" mans any tlas hu nuns ddo 10 ON PtgMr r. whcthar or =n that pnrW Lae aaaamed Borrower's oblip &m Note an61or this AM* ItteaOMML TRANSFER OF Yt GIM IN TIM PROPERTY This Stsmdty Iaeauaasnt sea ums to Loader: r7 the npsymaot of the Low, and alt raw*, avwWoma and madifmuiom of due Note., and (i0 the paaf wm m of Bottuwet"s covamb sad this Damity Iltat mmA and *c Note. For tm purpose, panower dam hereby monpgo, grtett aar4 convey to M 3W (solely as wo saw for Lsedsr sad EmAsex raacssemn and maps) sad to ttlb atlmtaaara sod aaaipx of mm, rho foxawiag dwaiw property lomm l In the caamY !type ortuemdl 4Iadetlmtool of 00164mam, Axmrts>< vmu Pdo crymem" Jrtadtploal: INO& MOONZON l1'Pxit MM XERWIC AND MDZ 4 OUT HXMI20 A3 XMM* A. which cvrmndy 1m the address Of Ill 9OLLY Dist NKCRAMICBaMS ('Pt*M Addteaa'): PM 4 10y], Prmoeytvank 17055 cot CON 'I'x14Y3TM WM sB the iwmam l new or hatuft arsatad on *a poWnly, and tlt earemom , amd flxamer Now or ]tmsat w a pot of 68 All tad ada ivw ? mvettd by chic swjery Ioanva mL All of the is Sat A ft WANUM W do 'ft*nf.' Bmrowst ttodaesW* AM Mpa that .h" a gy 1* doe* -Uw whit or m the ioata w pp????oozudd by Jwasn +ar m Ma 3ecft Imam. but. If eaas PC w comm. MMI Za+mao for Lmdu and Larlse'a woaanora wd fns Me don to alr dW ty or an of arose haiateten, iarlsdi , trot mot UndW to, the d& to and earl cad ro talon my motion mquind of iaeluft, but sot l[mhW m. teleadag ad camoe>p Ittaaameat. "-Att1Al rowel-ai no. aa,o FPM 3034 tpy 04-15-19 15:38 FROM- AHI-10-LUUP uL.awNU rium- T-741 P0011/0029 F-463 t-JJI r-v1J/JLO r-1 J:1 BORROW= CO'VBN&M chat $0[ OM is I&W& ? NJ" of the amemb haft meveyed and leas at d* 0 m npp, vm end QWDY to Plop* mad *a the pm" is tmmMONK Wept far m>rmabraveea of m m& Bamwer warrmulm end wiR doftd pwt&y the tuts to 60 ftcP ty ajabmt 911 dairm and demands. mbjmt to my amatenbnmaea of marl. Ims SHCt>PM Il18mummT aormbl m =ftm mvenantt for nadmw we gad nonuniform daveaaats with lbu and varladonm by jutim mou w aaeaitme B buffi tm mamatily iaa wwor ooveriaa 11W proem, UNIFORM COVENANTS. Borrower ad Lender aovesim mad mgM u f Wows: 1. FkWs t of .Pdsdpal, iattated, BMW Dm. Rlepmeyimmmrt tom, mad Lute CbUW- Bonowe r .hall pay wham On Me printed of, mad inWW on. the debt svidmeed by flea Nom And my prepapm W doom ad late cbmsu due radar the Note. Hmum 9M del) pay ibeda RW bm W home ptttmemt ID Owdon 3. ?Ow mu due undue the Vlore ad this Saauity Itr9t OM AM lay mach iu U.S. mimnw. Rowever. if arty chock of adi mr iaattutna4t tmelved by l andmr u Poona no* ft NO* o mu SmIty lwm metut is a gamed m Lander umps d, I.aaier im" squire tau nay or ml NOW40M pax due under the Note and aria Sewhy lutlericmemt be :made In oea ar affm of do fbilohrise8 lbrM., m se ovW by Lander W cub; (b) teeaeey order; (c) on tUlad check, beat chest, peamaras'a ci dtit or 1, -6 *oak,, provides may much d mk b dw*a qm as Wdu tbn aieeon deporlte are insured by B federal agency, inmaunwAtality, or eni ty; or (d) >Sec ausle tlemdm Tnudw, Pay== ate deemed xwdvod by reader wham mwived st am Iowa= de iSaeood in do No* or at such other location ae may be daiputod by LOOK d mco Asa will *9 mod= pmvisiaam lh gwdcn I$- L,eadmr my mm soy taymmt or partial p gmmai if the pkv=nt or p"d pgm+eum eta ftvAdmf TO btW 00 Loma earradL I.arrder MY MR4 tmy W010 or Pmr" I imntt'llotent to lithe es Lela ri f t to now merit pgyamtat.or $"A, =nUt, Wifi *t rvdver of SW A*W trmrecmd4t m pomp" m is p lh dam forme, but Yamder im mot ebHpW to apply eat paFUM am the time meyfhpeSmpoat+ fe accepted. It elch ?ad*& P+Ymmt is appal u of itm mdd&dW des deem. d t. Ldpdht peed"nct?y imerra oa uaetpplismi fandm. Leader n* bold =* tmrp'dimd tbmdm US Smom =km PRm" m W28 &a Lam conmL if Bonowu doe mot do mo whNs a tuna** period of ftm. IAoft AM INN M* such ftwh or mstusa 6m to Bomimar. if mot sppliad earlier, mach fob Will be mpp Wd oo du ovbtmmdim g ltindpd bbhm muter the Now is ely prior to fotademture. 140 Offm or clsilmm vtt&A $aa "w mot hater am or is tie hem apinmt bender dull rel we )Borrower fm= mmki06 PWROO date muff the Note and d& Secaulty lmsntnaaot or pstibtming the eoveaeab and agmemxmbc $10010d by'ehb Slowtgr lommim. 2. Apptmrmtlen of Payaatmu or bucvmb, Rmcept a0 odWWn described in thu smlou 14 Plc psymmtsu wmgM and Vplled by L amkr ahmll be applied In the tbllowims adet of PeWW- W Wereat due Dada the Nou: (b) pdowpal elite under tba Nob. (40 mmcowob dm mdet 6sttti0n 3. Saab sm be applied to ma Pwlodle Pqmmt In eha omdmr lm vA&b it bacaoe dta. AW mmbduff eamomata abdi be apptted fire to IMP dwym, amooad io may otbar mnroaabc dne mtdmt thlm Security fit, told ibm to reduce the ptlaclpat bdmim of 14e Me. if Lasddtr taodsvem a paytaeat fM B=oveea ter a detiaqueat F9nA& *hynaemt wbkh Wd elem s makunt =amt to par may lame dmv doe, the p pad my In applied to the ddiagamt )paymwt end the fats charge. Ninon than one hwbodie Pa rod to omirdmdiett;, Lauder mo ** eery pmt troedYed fmm Dm"sr to stye mp"med of dig Paftadic paymem9 if, ad to die aocodat ebmt, no pey=ut t31Wb17S1i uhl.r: •tlAn?w1 txae.oi I+w , a Penn 3029 1101 ` 04-15-'09 15;38 FBOM- Apr^ip-auua ucraapm mm- T-741 P0012/0029 F-463 i-oar r.ui v uco r-iuv tilt bo puid in hill. To t}te want that xey exetas ada after lieu pqa mt is spied to Me Attl prysuent of an or mace ftriadic paynmeele, much a mas mty be applied m any We cam* = On. VWanruy ptepq vmn !hail be mpp M omit to taffy plq ayn mt riatga and am ma dtamitted in the KOL Any appliCsfian of pays ma, hmomm pt001eds, oc des goosed: to pthw%W doe wader the Nan shall mot eatand of paatpone the an daps. or ~ iba atllnmt, of the Pgtiaaie PWOMM. 3. Funds hr l kmw I&=, Bafreo r ball pay to Lmdet alt do day ham& Paymmals we dse uadm tho Nato, until the Diote is paid in &U, a rte (me "Pettis') to plovids fat paytsstat o! smomb due for. (a) Hulas ad aasaaatrta ramd Other items Wbkh can :pain ptiotitq aver this , Im unumt m a lien at eacumbram on fie Ptaptatyt (b) leasabold paymcttil or geetld M* on 06 hop M, if ally; (c) prmW ma for any end all h aatao regahvd by Lander under mdoa 5,, slid (d) Mundt kwmxm psemimu. If nay, or any own payable by Boaowar to leader is lien of do psymasr` of ir+Lnlttfde Imtnnes pramiuma in ammahaea with the provisiom of Section 10. 771aa ;lama as called 'Haaow Item:.' At orialostion or st my time dwk4 the perm of the Lola, l alder any emOve rham Community Aasocisdon Daes, Pea, and Anmsmeata, if any, be mcrowai by Borrower, and etch don, fact cad assaammus "be an Escrow Lam. Bmreewer 00 pampdy punish b I.smdsr A motion or shmW to to be paid tinder this 9iemion. Bmam dull pay Istedec too Faetds W Bomm D= adamm Lodlt waiver BoncwWv abliVdW to pay the Funds for any or aB Esmaw raises. Loft aoal waive $ostowsem obliptioa la pay to Lander •Pumb lbr aqy or all Barrow Itsms u my dw. Any atilt vadw may o* be m vvtmul. In ilia ovaat of such vrayva, W WW Am pay dhoccly, w6wt and tviodr pt y", to ttootmn doe for nay Bartow hems for vthim payment of Pantie bas been waivod by Lr{ dw abm, It Leader V0011e2. deli bud* to Lander roaeipts ovktadeg amb.psdrmaat wWvh such time pedal as 14mdw MW togWn. Bum vw's oUlpilos to mdm stall pymwA aid to provide soaeipu :wa hr all paw am be d emd to be a arveaft and sgteaaddt ile *bTa' aW Issmt =set, as an plane 'vovdat aid qMom' is used in Section 9. H Boamwa Algemitie pow Sham IN= ditaedy=, put+lam to m waiver, tad Borrower twa to pay the mow dal ft on Bsarow U116 Lmdec may lltsmi m to rigtn tttldm Seetlm 9 and pay ouch etpatet and B=w*er shill tile: be •b WW tldw Sa an 9 to a" to L aft my ad :moms. Deader may revel:: the wdve.r me to any or sB Bctow Items air so burl by a Siva: In aocmft rx wilt Section IS sod, upon much nwmdom. Bmawer ehali ply to Lmdar all Funds. and is etch momam, that ate tbea regaled under &b Section 3. Leader rely. at any time, eollaot std bold lRands in ten mamst (ai dBdanm to pale Under to apply tie Pmtda at the tWe spet3 W under MW4 sod (b) sm m as mod ft m odamimt aunart a ladder am require under RMA. Latdm:hill oadmm tiro rsmolmt d Funk an on Me bs* of For - dam sad reasOasble ealmstos of expenditures of ibtm ISacraw heals or oow*iw ib acmdem v l* Appheeble LOW. The Funds shell be bold in an inuimtIm wbose deposits are bmaed by a hdahl a pig, iavnttanmWity, or entity (mdttdiog Leader. IlLander b as isatip> m wbome daposlu the so bwasd) or is my Faded Home Win Bsnir. Loader shill apply on Fads to pay the Becrow Imtut m0 L1ar tbm *a dm s wZ*d under RM& Leader shill to clasp Dom ow br holding sad sppp>yhe5 the Phads. madlY analyzing tie amw ac=mt. or vatib* the Bmeow am, =I= Lander pays Bftyw wK ismetdlt oe rho Fonds surd ApOicabla Law pencils Leader to mdm anal a dmW Lbdns ® vgtme IS =de in Wiling or Applicable Lm regabra Imanst to be paid on do Funds. Trader AM not be ngobed s' par Batvwer aw latest or mmiag on the ponds. Harrower td leader tau agraa in wddag, however, that bur w 4%-OAIPAI immai ?.waars wuw?,? stMOVOU Farm adO Ubt 81fT''9r8j-PG 1:477 04-15-'09 15;33 FROM- Apr-15-2009 OZ:35pm From- T-741 P0013/0029 F-463 i-aar r.uiuuca r-ruo Aall be P114 on Hie P06. Ils01t:c shell give to llOMMer. wlthoat cllatgs, In finumd aGCOttntittg of d1e Izands rs segaietd by txBSPA. If mace IF a rdaptue of Ptatda bald in eftew. ae defined m1dw RBA. Lastter fluff M00% to Borrower W tbs ettaeas ft& in aceorda w witb UVA. V Heeae ih 6 oAMWa of Ptmds held in Geni q, as dalined under RAVA, Leaner etull na tx Bonowat as mpid by RMA, end Banoww shall pay to Leader the mount netmssry to sembb V the "w la wcoulaeee with RNPA, bat is in none than lZ stt0ttihly psymmu. V meta u a defRiaswy of pqg& bdo in awAuw, at Mood smdw Z38PA. Lendix ab e notify bon**er as requtrad by RWFA, and Boamor"pW to Lander do 2tm010 1100088417 to maim up the dette4ency in amoulance with RMA, but is so maoa thrill 12 mot ft paPsaW. Upon psym= in flea of all seats seomr+d by this $wxity Imtsumant, I?vatku atoll promptly tetltad to Bartnwer iqy Feada hold by Lewd , 4. Chwwo; Lime. )Bmwwot dou pay to b". wamonaan, dMmse, Awe, WA itspaddoas goftutebio To do pippocq Which asn R4in priu* 0Vw *k aWggiq inRtsestasm, lenebo)d meats ar gttnmd m* on ft rwppmty. B arty, w d Cmmike fr AatBp ulm Attar, per. 61st Auseva Bann, If W To tbh exam As tisaaa Was ate &dtw'ta n. rottener 40 pry tftsm Is the =am pamtllded M Sudw I lbnzvrar nb611 ptsnspdy && no say ilea *hM b11i pa'laciry aver dik 3eodeity W min unless Borrmwer! (a) agem is wd ttg to to psy=w of be abliptla a waft by ft Um In a ntatmar WORO pie to Lender. but only an long as Howwwar is pamlbtming meek ice: NI cones of the Jim in grad fift by, or defends agaimt aifawcMMt of the lien iR. legal pedoa+Ddiags VAWI in I,estdar'a opinion OPMa w prevent the enfbeaeateet of the Sias white those ptowsdlags ste poft. but only 1100 80th proaaadiogs are coaetttded: or (e) racer=s Siam the balder of the 110 m Pgras it WOOMW to 4soder aubordinadtg . uhf: lien to bile Security haranent. If Leafs detarohm fiat ear port of the [gapaacy is svbjm in a lion which can attain priority over this Swurity ltatross at, Lao* my give Betmowas a n ib the litm. WAW 10 darra bT*t date an wbicb des notice. is OVOP, 8artawer OR SMW fhs*r W Uft i = or mare of the sations set faith above is, 96 Section 4. I-dac mey zvgd a i)orrowa to pry a aawtime cllstp ter a not awe tart VIMCa:Im EW[ff reporting se vies asad by t.aodar in fah with obis Loan. 5. 1Pnpa * Imuraues. 8ornota w shall bq do bmpmvammb now esisling or hWAfter welled on site Property f umM agaisst Pass by alb, bmsad *kdmded WANn the sarm milsotted cove ngs,• sod MMY athet hwmvds laohtdog, but no hWtW to. estdtVA=1iMd 200* fW etlich LORdar Mghu inaa M, Thin law mw ahal9l be ssaisbioed In the motime (&*&I dadaodblo tat4sld ad River the ptsdods Oust Leader npu a. what I.atdar ngoh= passttmt is the paeoa ft ssomon = dump doff ma teem of the Loan. Mw iaannnce mien pmvidimg me ham= sthdt be Wow by 8otrroftet; #Wdaw m Lendar'a right m dimWora Bmtawer's diem, wtdrh rW doll nor be astawi od tm2taaweabty. Lender MAY "in Batrawor m pay, in cotmecdoa wbh Skis traso, dliq s (a) a oast4w duo:ga fat &W soaa datasmlimdoa. cudBcadoR sad tracklog aetvlcanl or (b). a 000-fte MMP tot ailed aria dsaetteioebion and carlillestlm aocvicsa and nibsoMM chugsa WA toms ntnappWS sc a MRw eeaur which sooaoa0ly tni& affect sack deemloatlm or otctlBpatfw laonowar slti6lt 2160 be rtapem-lo fat the paywmt of say fi* lmposed by tics Moral ftep od?'MilmagWwt Agency In tt0lmaddoR with 4se mview of my flood wu dttoermkodon xe@dtiog ffttmf sn oldtaft by Borrower. RAL017516 .nal ?•al11PAt auaa•a. ??o. a a to Form 3039 110'1 NI'S . 04-15-19 15:39 FBOM- AW-la-coon uc;4ypm rrom- T-741 P0014/0029 F-463 i-4j( r-woiuco rruo if Bonowta We to maintain aqy of dm covwSss dnacdbed above, J.=hx may obtain iafatmm cOvmW, at Laadeeg option and Dwowal eapM L4dar is maia m obtlgatiaa to put*aee asy partiattar typo or amount of wvermp. That/ Ora, guilt aovarage *0 cover Ir am*. but Wight or WOt wt prot+cct Bw, m w, Borro er's aquity in the Pmpatyb or do otttani l of tl?e Pmpsny. gain al rack barrtnd or liabilky and might pmvldo grea rr or !asap' aoveaaga 60 vvae PORIW* to effect. Borrower wkaowlodg= &at the cod of the inwrawe a ymp so obatdtted MW dPdOnEdY onnoad the poet Of !oat nw that FtomoWer Gould We OW W. Amy aoaoaafa wed by Lander trader fbia Section S shall bwome addWo ml debt of Bftww nctwW by WE l v=ky 1ae4nt mv. '1Ugs axass chill bear itrtmert at the Note ato fmm the date of 4bbummeatt and abaft be payable, with tfleh Wbaea[. 90M aotim from I.ecfdir to Bog QqW regttegrirtg ptr Mwt, All it sumoe papaw required by Leader and mw ma of arch polkin Adl be aWOU to Le>rder'a right to *sqq rove such polidw, Iball Mh de a aaadatd wortgsp CUM, ad cha pwa Ltmder as moeegaass srd/or as an addidan¦l loss payee. Iatndar chaff lM We right to hold d» t tad tmnettfsl colas", If Loarbt r dq*w. Bonovarr ebsti proatpfly Siva to Leodor aii rcc*m of paid pmriume and teaowd nodca. if Borrow obtains any foam, of h ammo coverag^ act odian iao lf*VW by Lendwv for damage to, or dsgutKWA of. Wa Property, arch polky chat! include it ataadrtd UPM4 a dwtt wd Obeli MW IApdar as Mort uon and/or ae as addidoaal tww !W"w, In the event of loan. Borrower ah4 give prompt mdw to fire i on"os twries ad lmdea. !.ender may mike proof of loan if car made promptly by Bormwnr, Unless LET ottd NOM WW otbwaliae agree in writing, any Wwww prooeeda. when w or not do uealarbymt dos was eegrbld by Ls AW. atutt be applied m axtorstion or repsk of Wa Proprrty, if the maG MIOR or relfatr it 4001000NUY faaable and Undar'a seWly is not lesseata sarh repair Bird msbndW pKiA LGIWW dM k4M the tight to bold wfh Amaaos paoot+eda g Iss bad an oppwMaky w a m& Prapa{try w costae the *=k In been eoapkod to b6Wx ai bblimn, pmvlded to pv& mpgo" abaci bo tmdsrW= protsaptly. Lmfer nay disburse prowetta for do non =4 = taradaa is a dodo tern" or in a sates of pwgreas payman so the work k complaW. Udw too xpxmmt: h mono is arrft or ApplWle Ltw wgWw inserat to be paid on inch iaeurum pm o ads. Y,taadar Mg not ba V@gtdrs4 f;a PIW eorM*w nay intermt or earnings on such proooods. Fees for public woo skins ar otiaad tltird psrdW rotriaw by Som wa aball not bo paid out of On iantranm ptvoosda nail shill be tole"OWSWOft of eortowar. If fhe restoration or repair b not wAm mieatly feeulble or Lxadet's pod* witalld be leoasnsad. ft i wml= proceeds akin!! be sopped fro rte smu secured by ON SaaaW IttlenwMlL yr w ar sac Oren due. with the Mm, if any, pdd to Borrower. Such iantnwo pmosoh aball be applied St the W4W provided fhr in Section Z, Ir Borm*w aamOme tea rxwwW. Lamm .ey mv. t-awaw aw some ow wAl bl* tnw....?M claim and 3mdx d matmra. If borr*W ddw not anpmd vdWia 30 dspri to a ttoliea Stm LeodK dig the iasWmoo otarier I? otllrawd tb apttle s daha, Wen ?fsdee null! t?Odime gad lbala ft obdQ. Mw 3iJ-day perlod will boon when. We wt= in given. In after avert. pr i!t I.Iddex aogdM fie Rq*w cadet $eedoa 22 or othotwim% Bartow l>mmby sevigm to Leader (8) BostrftN01''d Apo w asy ioaatmw procesda in m as WWA not eo atwod ft as MIS MPH aodet 6* RM Of 1llti 901ea1q? Itslfamu M, ad (b) wry odor of As Ewer's righb (other them, dw A& to MV tIkId of aeaannd pramintof paid by Horrovuer) tmrletr all insmame pol'rSa aavtsiug deg PrapsKy. batotar rpi 1?1111?s an 10 m tlu Coverage of the Ptopeaty. Lander may ne0 do iu meow paawaodl sitter ba of -MIN PrOPKV or to pay apm mis unpaid racier dw Croce or thin Sammity I sa mn at, whedw OL raft fbw dean. HAZC1751fi fn?? f eMPAt PM1.ef nq.7 a Fotef soao r/01 04-15-`09 15;39 FPOM- npr-irtuua ut:60p3 rros- -- . T-741 P0015/0029 F-463 t`uav r.uivuto r-huo 6. O=pency. Borrower atilt occupy. ataabliah. iild rave the PMpbtty tzs Domwa's prisvtipsl teudaace srhbia 60 flays aft the waft of this SWz* bs>ataomat and abaft aondw to otfanpy *a Phbytetty as borrower's pin*d amides for at lot one ym after ales dam of aotat wsey. udm Ltmder clh rwim apncs in wrIft, wbieh aMHM am not be rmressauahtf+ witblesid, or uWass eamheasdng circumststtt b atilt which are beyond Aomwces eoetzol. 7. Preset mien, Mtddtenum and Aetetfhe or do hopes v, raepoaO". Bertowat sbdl trot destroy, dmmp or ha* the Property, allow the Propszty to doledorras or commit wawa hm the Pmperty, Whether or oat Botmwer is teaiding In rho Property. Borrower trhall sari*fm the Pmphnty in order to prevent the Prop uy from dttetiondug or deeveaeitrH its valve due to in condition. Unless it is detetmioad parenent to Suds n S that z%Wr or restatatlm? L nor ecaausulw ly hemi le, Ban+owar shall yrovOy mpsa the Pmpwy if damgad to road firedter deoerioraden or d=V. N lmm oft or eondrmetaim peoceade we paid in o=ecd m wits drop to, or Ow uft afar the Pop". Banover sba11 be taepowdble for ttepeldng of for eft rate he" ally it LeMW has "load Faawds for Inch ptttpoarr. Lander my ON= ptvoada br arse tVdm aced r dog m a We& paymot or in a series of progsdss Paytnmp Al the WA is oom*bW. V ON ipptaeee a aoZWMU dao pesaads air sot saMCboc m nepait a fatatora the Propony, Barkw t L trot oft Ned of borrovWs abAgitiou for to aouqMoa of MMh "Pik or redomon. Leader or its agent may uudm tossousbia covita upon sad impehxiaes of Ow Napeay. If it hes reaeoaablo cnu, Sander mtiy 111WA tho i odw of ft W ptoY wants oat Ow Poopercy. Laedar "I give Borrower sadco at tics titre of or prim to such a WNW wgoddoc gwdbing Mach reaamtsbls must. I. Sevrowerla Yman ApplsegN*n. Bat wpr d4 be in defile W. dui* tho Lou application pttloass, 11mrover or racy peram at wdties ooft eft dm dhteeeoo of Barraraar or wl& ms's imovelcdp or mom gore ttataati ft 9 ft atitL WW& 4c inaamtase :at avmetteeh to Leader (or fiFted to 'gravlde LWar wilt muW kl iebtmarW in =madam **Ft- 4 a L4W Matuid zepr amusrlace hok4e. bat sate not l ndW to, mproe ssudoea wnCetning BemDrhsr's ocmpmq of the Phi *UW as BatnOsles ptias ipd Middam 9. Watedi" $1 Lenderha iielaraet In 010 lievperty nod ??bb Ylsithsr we NOMO ty Im!stlewhsat. if (a) Borrow MU to p a limn to oovank and apaaprtaa ooetaz d In this Sew* lnowunaut, (b) that; is a kepi prooaadlog that WOW awdReawy afbd Lrsf WA ions= in the Peep" and/or don feeder this inerunttmc (shun as a pracaedio? is bmifnsproy, probaW Aw coadeemtdam or forlidmre, for coho amret .of a lieu wbkh mg =Ma priority over dda Saeaaity haument or to a& = lame or tegutsdou), or (e) Bonowerlsi Awdotrad.the Pmp my, do Dadra aaq? do and pq for sftwm is huu mhem, indu prettatiog and/or assessing the Mae Ow Propehtgr.. lard Modng sadlor r g p the Pmpww. Lmadws anion no bwhw. but we no IitMw to: (a) Pgft say aroma mated by a Sao Whitt bas prim* aver this Se m ly lasu mmiq (b? 19 In watt: red (0) Wing rnaom&r .wuagra' aaa w t+rWALt It.:wwiri b eho IF .eYe ash' araerowr.+.r, irei.Mlitn? mt tgavted Itogddaq< k a bietlaoetfS? ?Siofarieg ths PrgRdy iododee. W it not lbnitsd to. entatio? tlrt ppe?s?rr to trstlloo "PM, 600 boob. POW or bmd tap dievex rid Wkvlorsa, drsia wstar from p4m. rti?rOe bhi OM vr ted* cads vkhdaw ar doge>aona oe ididom. MA )mss adMe Imod on or of Aldteaf Leader easy lsloa sedan mast Wa Ssodon 9. Dander dos teat be e m do w sad is not nicer soy dmy or "ptioe to do so.- It is speed that Lander boners m liability for not Wring MW or all r dOU sea del d under We 8oc6au 9. 4ft.eAlwhitDan.o+ Fell. 3039 1107 _ t 04-15-'09 16,40 FBOM- Apr-I*-6uuu uC.aopm rrom- T-741 P0016/0029 F-463 i-M P.uioiucu r-tu5 Any stom tq disbud by Le3dw under pia Swdoo 9 "1 bw me addldoW debt of BoMWer stausad W Oft Security to astncut. Tbow exam "I bear iatmeat at the Noso non ftvm the due of diadm aomw ad abed be payable, wlt>t ni;b iamt, up= notice fmin Lmdee tv.Bonower ngjWdm$ prym?nt, u thin swm tp Ldamw is oa a 161"wd, Bortowar ahali comply with an no pmvw'oaa or me kate. If Bonwoa mquins In title to Qte Proputy, the low&old mid the to We dl eat metre mWaee Leads epees to &0 naeePer to - lU- laarpiEW &t Mn e. " Loader r09" Mm" lmmwnoo as a-ooudwM of aodd2s rho 1.o" t het Mon" 13voe mes aa"Up now by lmhr MW to avail" fait the soae?e my tow ptodwody pmddW each htllaanaa aid Hottowr eras now to Oda npdy dW d paymoata tawamd die patdutoa for IWIM4P a Hama m* 6uaontar doll pq die tagnld w Own "dftkw b a?t?oto con to Don=w of b pralattetj? a a 1Yam = dis mte aompp tomr aelwwd by Lauder. If aabom Wqr cgdvd mt Moat W pm xwo ecvara? is Oat avdbWo, Somwm &0 ca dum m pay to Lo dw dw ammutq of the bpddy 4Wpmoed parmmb tat won dra who the taawmeo covtaare canned tq %* ip o ia. Lrrads wz now up red trla>n thus pomwo as a mn-mtbeftle Iota sew a is Hem of No M Imoe wL Sm* loan renown tdou be wm-nf=daWN wtwkhsos fin; do to dot the Lon b vlpW"y pall fu 6% and I -d- alma noc be 10q" IS pay DMMWar My b= W or eaoiods oa each lop NW W 14WW CON ao Lmdas tt 90US I= low" payrttetttt if Mamma hwW oea eavow (Im the mom and 4w ow PEW that La now tsgmno provided by air im mar adectod by I-&- qWs lama avid" iw obgin4 and L=dtr regtdras ]de eepdy aged towed the Inooi?t?a,t at mat op Canace. bt Lrrdw =*dad Iortrrmoe IN a n oofatslthsr t? Loan d Hamm win aepw tD soft wpm* dpn s"ns paymtaa toward the k Mattson bmsocs, Hone OR palr do pnmkma La?to -wauln Id~ hmlq? jabot, or to ? bras tow uant 't Looft ptorift for undi poPmwo a a fog" b b1r l ? Nodft in ob Satdolt 10 etllcta Bot,ottar'a aiUs" w P w bd w at to to p9VA" fa ft Nam. mmitow baavtaeoa nimba w Leader (ar wW w ft Hatt po Ommu the Nob) far omtWo Iona it MAY incur if 9ot:&w does act repay W Lea a ti m d. Bonewr is ant a party to tha Murtrata Mottmo intuoas avdaale dwk tool tint as aY attrh ism ww in fears item dmo to dime, and MY coney into gxwmrmts with odw parch that their or ad* thsif tint, or dace Immon. Um o rtimamta nv on tetaa sad GODOWN drat as 10 tlse?aotaOPP looter sd 00 Gddrltar Paw (OraP?KIW) to www o an. mgrioatet svaifabls (W" tasy iadtirde lhnaa ebtaiaed >gam monwe laseraaospr?tiums). Al a dt of thus apwmaop. Lander, atp pttl ftm of film Noce, attalbw iaaatot; my aGat ulK UW cow dq, or or adow of ow of the aasy dim (d deft of bdbxdy) mama flat add" harm (cc ad- be dlat eemd at) : n a i n g Alt )SIMP a Imaaraaxe, is ww6wP for &Wft or madtyln ft AwdPaPa homo 'a dat, of rndaalort Ranee. roe & yumoat pmvida d0io of Lander fiche a Am of On iomvWs Halt m mcbmw for a dun of the that alt "mima idd to thy: intoner, rim strsaPtnrert is ohm ta[sod oupd" ndaaatrnaa: W Any lase aiwwommob wn not adhd the astaoarh so Nerrmaor ire apred to pry for bfertpge laalrranoy at 00 outer tearer or the Lem ft& srter.+?.. wA east loom ea die woo mt Harrower win owe for MortptPe distance, sad *rlr wM not aidw barrowar to am rrdtmd. ft"[FAl aroaat 3"019516 MIIYW. ran. o N to r'enn 3034 trot . 04-15-'09 15:40 FBOM- nFF-I0-cuua uc:or fill From` T-741 P0017/0029 F-463 i-oaf r-wo/wo r-rue (b) Any such ap.eeamh rant seat uetw an VW* batow has - it Aw - %ft so taws latott0 ><apu>Aarce aadW tbs Haeeeawaux+t ltupolau Ad of 1W or OW calm W v.= xi`4ta may Lednio flea rw to aa+adts cwmb 111 11- r+a. to twyart Mid abuk mwwn of the SM. hw 1mg.eo 1wrletoe bansfMteloi1 i e etwor to recalv6 a tisadrratl?. P"dows dw mm sesesaw it file theca of a& awdalisn or roAu4"euljoflll nzIn oae ftwa ; Fn*ft e. All Mk elimm Prvoe"a We herebq to Lamader. if ft Property is damaged, each MleceUsamus Ptecemb shall be es UW m MOndou or repair of the Propady, it the notandou at is OwboadmIty havibb mad Lender's aeuu ft Is cot lese+cad. Dudes Beech repair and rast0e - praiod, Laodpt *0 IJ else rw a bold faith 1ltiataitareeaIa Ptccvcda W2 W had Hsq/ ea lmpeti ens4 to see as t60 wtrtb bell bead aogpleeea ea deduri. s such 6esp lfoq thsfl i?I,ee w sw py far the ysapaea Y dea work is mP?e +M dab ??et of In a aetba of ao , k bdm as ##ma n= Mill m *ddwa of Appgc*b I Aqi ea M WIN* b bf On iWh Mb PcOCe? It"nRmba or is So pay Scervew my humt Ore 1 On aUCh samemle? Jim" ar [JIN t'a secaby would be hnsated. * WWdMMM ft pepd, dual eppiiea to to m wcmd by dais p b0ocat, wbeaw or nor th a du% vA* ft sam, It aa6?,; to ]lamwer. Mleedweeae PboceeQ+? shall be applied iei iha ocdea praixW for b Bectloo Z. Lu dm eim at a wd tddug, deartecikoe, or lone M value of the Property, tm Irttseeliswats I?r vw4 shell be sppilad so flee same scatted by this Security lamtrument, whether or out icon due, wits the mew, kf aqy. paid to 8ortowvr. In tie end sit a Partial sp>dmg daanadem, ar toes is value at the ftWM- in which In fair tpsriass vdw of sate teldaY, ? daoenetloe. ac.lose 6t vdw Is cwt to or t?" ad4a ti1M t1o Mmn>mc of 1bo Wade apWlad losnnme?`-`laMatfa0ssa petael taking, ftuactkm, or Mae in vdela, w" Na we[ ad Lmdee ?. the emus mea=t " be mdeoed by the amomtt o! 16a ?sadit?eooe Pttaasds =dMbd by Me Ilolemg ROAt (a tlta wd maeht of tba adu •soeamed Imedl * bdbae qsa pudd Wdug, ddpnctim or bee In t+dtw dlrrlded by Q$ Or talc sawket vabee of ft ftaparty immedlaaly ors the pWil taking, dm , or loss ie vsloa. A balama shad bo paid ea Borrower. le des emar of a putial W*. deairded0a, at law m value of iihe Property In wldde the: fir warimi value of the Property hamandlea* belbse the pssdd videa. dutilaCtlpa, or loss In v*A b leas flue the: B eam of n dis aw= seared "??yoWits do & rho Ftoaeed Ad +pptied ? nines >S9reowar acid I?ndar atharseise Wee in wddd swwW by thh 8wu* buAbu aae whether or font 16p Ithma rte tbB ills. U the Property is dmodowd by , w U, dlot modus by Laatdei, to bonowoc diet die opposing PaW (ass daQued Is fa sear seem wo o fm a ado wa award to wMic a dalm for . >3otesomr tdb to t+spoad to Leftist wi ft 80 dip Aw ft 4= ib nodtd 11 Shmok rmdm Is t?d to coliact and the lftostimeoas Prwcaadt ob w va mmudein or >topawi: of >rtopOtgr at to the etlme as 11014 Iy 1?b Easadly hemaid. /*mW or w 16mi &L OQwaf? pest' >BOAUt the dtild parry that awes Romww Mirddhaenus Fmcov a of the patty sgtdw whoa k Heafteo? bee a right of acdoa In regard so idsoe?suom i?eoaade. Boreotrer rpol ba it ddhtds If say erdon w procoWhim wlaoibsr d9ll sir ccWW, In begva that, in Leader's jamipeam aodd nseit is Ai6ho at is Ampaq or other -mid whew of Lm dwla intem in do Pkpwty or d1ft coder Ob wpadgl belaeeeeL ft.aw ci a oust such a dA* and, It aacdwalon In occawail. ninewo es psorliled IA doWn 19, by wsdtib>g rout at da or ptoomtdlcug to be i3AL027516 _5r Wo,ln 46."IPAiamnar rrwte.i1• Pom:0039 7101 ` 04-15-'09 15:40 FFOM- npr-io-mv uc:arpm rrom- T-741 P0018/0029 F-463 t-car r.umuco Mvv dimissed with a nftg• you, is Larder" a judjmau, ppmdudra iWmte of dw Prop" or a&er maoedai ianpdm at of Leader's interest in the Property or APP reader foie St>QUity Blefttlataot. 'ibe p70eee0 of my award or claim for d MMU flat are andweable to the hvairmeat of Yaadar'e itmaaet in flip Prvoety am hereby aadgaed and dWI be paid m Leader. All Mia?xl jwvs Proceeds that ate got applied to realmdon of repair of the PtapM 00 be applied in do mdac pow" for ilk Scenes Z. 12. Bffr"er Not p0e MM* jQ* n Mg By JAMdW Nat a W*W. MM" of tho dw for paymmut ar moMadm of mmoda lc a ut do saw eaeutvd by f k Seearify by ioadatr to itorroww or soy 9n mcc k hv& d Bsstll w abaft not ap@m to rioteds do eti or my S wca mm is I ' - of BOatowar. Lea3w dwU not be b aanloeres ? aAy Sucosasor in hum of Borrower ar to tsfaro m exlemd ,for ar ofhslwlw mwdtty ded amardmtioa of the no Oecwrd by ME Socak)r mattfms6 by tsnSaM of saga asMs b'P the ad Bortnwet or Tory &g acs= in 1>jd d - of Haef+am. Any hdMaraw by Leadeer In spy+ t or aw"ImIall 0-1 4 aa1frOWMi k amam lew e imaam df due„ owl notbox wolvar e f or pwAWs The gx uoiea of my ?teaaedy . 13. lout ttad en?etvl ,- SeweKaasars s ad Amftm Bawd. ?rotvar aeveaonts and t>ptm ft Baum's obllyedtule jWMjjj abrq ba JMgt tOid sermal. )roveevatr, as>y Nohoaer who ao-t" *Ax Seatft bwammt bw dams dot eate+ms 0a Note to •oo-a(pwo); (s) is 0a-siplag this and taadOetq? the a6.si?r't btmtsOt im the irmpertynnda fhe Seta a bammaot oely to i ^ Pon retina o€ fbia 8aafelfy f tseaq 3s not pesp0el?r abti?saed feo pqr the awe ear Ka bar we sockwity llaamumAf, ad (a) ? dw i ebd?ir ad aod? odfpf ?ettotNa 64M awe to exuak no0it'y, forbear or Mb *V roaNWAdeliona With tegsad to dw oefmuf of 0* fteeunity ?fettummR of #A Nob ad VA ft C044 =,% Comm, 8C*4 w 60 pevrbkm of 54*0 18, +?? :faawwr in ban* of Bomwer who aso mue wwm? a* 1R?. OVA is agpmvad by Lmdw, " obtain ilOrlQVYe!'i obN TfT i ' all of a Ned bibet4lo vm t dia ----j ? (mOOmm mL Bommw atilt am be relemad atom borto%wB. abliga" ad b m" ab gates * ham at **u LwA* #am m nub relew in ,%Wd ft. 'fbe mvmwg sad agree m= of tfite houaat d an bind (excW as provided in Seceion 2% aetsl beoafit the mmomisara and asdps ?. 14. Loom C1emOges. leader mty clatgs >doranraasr foes for "Mm per€ormad hi oaoeeetioa With Borrower's dpteslt, for 6e pmPeN of pwoulm i,e:ader'a inmut in the fteal sad rights Mader this saauky loeSneaaertt, ieciudias, btu aa: reform a tau. pptt?vpp?e Wed "tmaica has. is ioprd eo a? other ides, the ahsaeoa of ettpaeSa eulboriry in h!a SxtOS IMORMOdO- to ewM a c the to Sommer dun tat bs aaamme4 as a paoblbttlan in to 0, A a€ Ottsh be. Leader may aot aharse fees dw anesptsa -- by*b Ida ft ham mdu?t etrby App*ddo Late. it dte 1 i. in a 10 w€dch Wes maxhamu ism cbmas Wed tick Im IS golly hmuptamd so that as inum or adW loin des wKsmed or m be collected is om ecdu with dw Loin crossed the dtt1e eavaraq? to radnae t+te rumunmu MIA, *An, W ftgy air loin rbetBe l6aY ba rtremaad by Of m ctuRe to the pwmkted limit; Sod (b) say MOMS almWy a Asti d frost > amm MM .atoaadaA peemttted limit wM be tefmtded w Dmmww. Leader aw oiom to fmdam this totted by "Owl% tie owed ua dw tie Note at by a direct pgymmut to Summer. N a mbmd tedSOes?et the redoedog Wif1 be Reaped u m ? witSSSe eery pp Mteot those t or not a ptvpaeyme0 dwp is provided ebr v doe Ile mm). Ba mwer's amOpsmoe of aw sued :eland made by direct payment to Botsower wilt oomdb to a waiver at say right of series Bomwer mi0t have analog out of sack ovecohaasa. its. Piottass. All muses glvem by Bo mw or Leader is camnac*m with this secutity luaprwaant covet be in writing. Any aotW to Borrowrr in coaace don with this Somity batratuant shalt be deemed to BMA17516 Mal at"OA) toeam ?w? t t .f to Fwv% 3039 1101 . 04-15-19 15:41 FBOM- MNr-10-LYVC uc: 40p11 rrufir T-741 P0019/0029 F-463 1-941 r•Ylo/YRY r-luu have bm given to liomwwc wbm m&U by Btca dim teals or vilm aotual;Y ddfVKW to Juice" 6*'S na*z a kkm it leant by odw mme..Nadw to s q am Boc awar Abali minim nodes to all $omwom onIm Anne" Law apumly o11"ift 7M mice aftm *A bb -ft PAPM7 Aaitm ?i4m HOgtWlex has ddptreld a = =in addnaa by soft io LmWw. )goaoawt abet! p wWdy IIAtliy? Iradcr Of Hotsat<nmr'a eltatp of adtttrtat. I aAAsr apat#?a a pswdnta i'a! tipottiaj Botlw*w.3 chrtBe of eddtara, On )IoltpWe[ did only tslMd M of addoais 1 gtat pttttmdgre. 7bm may be only one da *wW notiaa sidnae tladw 0* 6eaft hmm mint at easy atce tine. Any notion to Radar ahefi bag?van by dell, waS it or by MOM it by fist cliu mail to L®dees addttaa stated basin ftho ?L.,a?ssa hd 44;= lootbor addseu by testis to Bmawar. Any m doo In mmadw sift do hmmak 09 y b L-ad lkW to sivad by Leader. U my aoticcottp? rapind by t0 r S temnmaot L a or finds p y TAW, die Appliulft Les ><q({tilft= wM xWi* Ate carmpondtag ragtd u der h SWUiily 16. Gorrtabp LIP; 30*6111% SUM M a. ? }y In unment abed be Sovmm by howl law and *a lxw of flu J *dcdce?the Flta nw Is !nutted. All dmfift and obl38atim cantaimd hL else ? y Zaentmmat am atom to my togtdsuaoot and tat of Applicable Low. Apptio" Isw mW eapBddy of lap qy allow tha paeltrf to " ogpt m or it wisM ba dhmw bat amh ai7eeoe abd pot be =mug as a ptohtbBlatt apim aprrmwt?? ftwu . 10 du 0-m *0 -PT pwwvW19a or drtio of *" ao.oxtW fusmi w w dw Now **mom vier le Law, each cadlict AO not affm other pmvtaiou of Ibis $xw* hdbuaimt or OW Noes W?be given cam without the coamcdog psovbaeo. As fled In W# Stccot* ha tltamt: (a) wot* of the Itlpaeaflim gander AM =aa and mdtlda tenter i=i or welch of an liatinim Vwder; (b) wwds Is Wa adhotsar tolall main and the sad vita vara; and (c) tt o word 'may' giva? wk di?io a vAWo It sAy obligation to tabs eer -` - - V. Bnalls war's Co Bonww shall be ? i9'• lawn ow copy of thtt,ill Stcatetlry Iotomeat, _18. Teaerdw of tie ltopatq as a 7aweBdY Wavat in >b>Rtacr -]-ow in >it8 90edon i8. Tannest is tbu ptopsm, atom *y leg or boa tm how In ttse Pmpww gaol but wet ]hind to, non bmeNd iabatats um*md Is a bad ftt dee4 aoai m fir dens, mm a or asauw-agresmew. 2wmtoot of 1ihA h tau ad jMo Vonuwm at a beans dpr M a pacdhlwot. If alt or (my pat of tbe. PWpaty or =V idwsst in On fttp" is nuts ar tr or if l mm*w is lam at amiss pamoo ad a besdivid iatadat In Bormaso is sold or trat havd) 'li{bent It prior to "14% U JAW may >naft lmme>dia1 payment is 14 of an sates aliammW by ft S.attity henna w. Iiawma. lift! "Iff l shall w be enteldowl by Xmdw if orb tateEGise is pmbiWud by AM U Loft eaEmim d& opioa, LmWw"on Databwor w*o of treaabieadoa. 7be uatloe shall provide a nd d mx Jm 16aat So &A Mont Go des file aebae it SIM in aaau"m veldt Jsdioa is alias, am prbr to ft ? of d* p 11, ON - i by *b 604* ? troy p g >iml om ibis by pry Umdw may imroioe tety ttanadiaa penatttod by this Semk* bommont v1 bm ?x t coo or dwwd an Bomww it. Bestow" 111 to ?ieiritrre Mlrr Ammbr dfon4 1'I oatt'sow mum ttta=ewWims Bamosm t?M4 !lave dna r t to haw iabtateeas8 of thie S?aonrhy f8ommm pt diomweimmi at sty time v" to as Ndim oft W dw bstbae ale of so Attpaty to of M ale contemns in dun Swxb r bAramn (b) rxh o&w pedod a ?toipht rpeol do! d a mumb idm of Bommme4 V*I to nbom; or (0) a8w d a =eaibtalap tbb BosotW? Ia MMML 7bow cm di*w an tat h HOftO'aw (a) Maya t *Ww all nine vt20 than Weasel be elan mae! tbn Security lastlum and the Nose a If na wasl4ndoa had acian d; (b) latm aqy dafadt of soY other covenants or WAIPAI mortot INdMY wpilYNU 7? MMD%151 s iwm $929 7101 " 04-15-"09 15 ; 41 FROM- nMi-r-j-Lvva v&-javni rrurrr T-741 P0020/0029 F-463 M41 r.uiniuco r-ruo ag"Muts: (r.) Pays all expmam incanted In aabmtring *h sewrlty laaummmaat. is Awft, but not Iltnite d to, teuemuble attorneys' fca, fib' hmpecdw and valuation tbam, ad ahmt fait schuss for the putpwe of pmwWag hurler's mmmt in ire Prapatad rigs tmm4oc tb(s &wt ty kmtcm=4 PW (d) taker much w4om as I.e & may ramaoaably mMpIrc to mmmm that Laa&e4 mm m In the PmwW and d*u tinder this Security Inatatm aL and Rommer'm ablution to pq din am amt tmtod by this Ssamtity lanni matx.:fltali caadim twabased. Is aft um regains that lWmww pay =4 tokmaimma mm and axpm m in cut or mote of the Mowing *ams, ad aal dd by L *Wm.- (a) ark; M macay ottb6t; (a) ca dflod shads„ bank dloA umwjWm do* of tysiAl4m'a dbtd, pmvidtd aq aumlt do* ie dim upon as ias>fAttion vmbose dwoob are b max d by a *4mal atoaoy, taamtOpmostdW or , cc (tq mommak Fotmda T amfw. Upon "Ibitatrkmt by )lotardWa. P& smithy h m m" acrd =sm totmad busby Ibis am & MY Offma o a If an smalaedoa bad otx;srtsd. Hownw, Ok tight To >tek#mt« dual =1 apply hi the came of wmkndm codas fioc M 14. 20. Bob of Note; Chup d f Loo IM view ??Am d Od wa m 'Ilse Nom or a paeeiat famemt in the Note (top der whh thti' Bwmhyr hwwm * tact bo rbld one os tote Omen whboet pior notice to Borrower. A We eni* rmnR in a chop to the oft (known u the %m Services') flat toliecu Pa kink Pry== demo wWw do Nero od dds Nattity Imfrsaw &M podaems WWr mo a loan unkhq abltpatiam Hader the Noe, tt?lt'aOtmlity ltmmmtaem m ad Apple" Law. Um edim m t be one or mote ebaopa of the Law Smvhw oz m aced ie it We d due ".1f imm Is d doopy d de 140 3aview. Bott mu w111 bt: pivo iwdm t1 dw of do cb"a Which vrlli sbtsa the same we addwmm of rue new Lou Sarwiow, the addtow tee *Meb piedrtammltm titolmd be wadi mud say ochre boa BIBWA tagmiltas in adtmeddon with a Ndw of uujhr of stcriet. If the Nos is told =4 d* d w the Lamm h mvlcatd by a Lava Smvkw Oda dit dins pmw4am of the Now. rho >mmI I I loma atevicki oblipdm to Bonnwrct imdil VW3* wlgl ft TA n &rv-kw at be a a Sued to it soxsssx Lem 9arvlomc w d ore not am WWA by so NM pndmOr who o lMa+rlae pavridmd by Pob NWs pib01m NaM6at limmrmw *%w Left mW of masee, jds, or bo johm d m mW jodifl anion (ss tubas acs inavidud iftw or,,* mown of • dart) drat ON tbom Wo otluer patty's mdw= pungent to this S=IW Infra aat or be &Dw dtat yts tt&w pint hu bmra ko may ptnldmloti 04 or atp *M owed by mm a cc thim Seamrify l oqt, wA arch Bottom at Lad* bu aadfW Wt admu pM (with ate aotlve given is oomptimuce w16 mbt nq*mmnly of $"*A 15) of sock alkped bnmdr end afbasdI dne other patty ]am a mocamblo paned assn dw gvlap of aucb arnica fa tarot cone*va wtkm If Ap$icmafle Isar provides m: thna period wMah must otapaa boftm wad m wtion wa be taken. that time Va*d will be dtamad to be tesmo0sbat for pwposam of fhlm pOrm?tspl. low notion eft --,141 a1,o amt oppmwmdty mo came pivoa• 10 Rom mw Pmm" m 8adidn ?? teed dtt p dit d OOmItRWO pivot to Bonarrner puntmt to Smedon I8 Awt bt danrmmd to "My tie acute ad gworamley m 6" embative atdom pmoviaion web madden W. Z1. Ht m*= BBtir omtM. At add in ihk Smation U. (is) 'Voodoo Bekpmm' ace chain 9RUPAC a dallesd mm at+tda or htmatdaus MM poltsomomm, or vmwtmn by Smamam w Yaw sari qua fbilavoI - smftansrat pwline. lum mte, other OWmdb at testiee psbmtlrrmn paamlm m Wds pm -mos sad Imst6ltrides, vetia?s seivasp, nstraeLis coatrimimlS trbaamoa N tmsd m1dk m*O mrmati , (b) -"w=NW Lxw- moo s fi and 1t+Ma rind Ism of *a jmul-10 kO OM d wI k 10c" dot Win, ' adaty or nmdm t or fmoll , u imlbw In ? r avow= ('1? Cmtdition" mew a mutdtton that tea coon. oomalbilla a. of otherwise [dglior 0 ffiVbonm M Clamp, HnL017516 r-"* ??ACMI Iolobai ?. a 014 fo,m 3078 1101 04-15-'09 15:42 FBOM- fig.i 1V LVVV VL•VVI... 11 VIII T-741 P0021/0029 F-463 1-;0aI !.YLV!YLO f-1 YJ 201zeaVat vW not own Or P? the pceeacac,t, U", dbpotat, . or "Iels" of any Bazardw e SOh1Aa0ia'?, ce lbrelft tD rada oaatoeo w Hasada11e Itnt 6. an or Ia 11M . Foes wer *A trot do, sot ells m do. aayahiog dae lbbpo"tli ? that ? m alsay ? I.aW. ) t?oteeme an le?.vi r??. a t? . aua m tuspora?seo.,.e, ar raew at at Ilaaatadotr libbaomso, cteatae a amtadld6at that aAearaoil? ai oa V" of the ?op?cy MIA two eeppaa5ae shat! sot apply ot+ iha , tare, of 5tauya on the ngmq o? imeiri quandsilts H"amdow Srbwsm dm as aauwd la be rpropctl"it m nomv ia?fi?atiai Uses and w ttuiaaaa = of the (two1o1h1g.?lieuloed w. ?+cbw mbaduraal f11 a>tlataoror luoo?laloa). aap dlwl actim b? 1116dat ?arNtaa OOZipG 113 ty ai r i?1e?a?1a11, CL11O.??, ]ap day Y mY tee at ?is1a?? ymc?? or cat?olt? and sA Ha x*w 8pbateoee or M roamaoml Uw of ?h ? %Alk ? ft (b) any 13ovbo>mpoebl Candldm. tschlt g but not limned to. my ap11t. Imo. suave. aelwa or thrns of }tel5e5e of my Hung ts Sttbraeoa. ad (c) say =am= caused b7 as p, am P, vae or sslslaase ofed a y? v&kh odv?y slreeu as trap of the ?isp.ae?r. jr W*VMW 1016 or mtt6 e? pdvW 1+aRT?aw1 or tftISC r?madial reticaLt is fiamcdom IM 4v li LNr. Kb*lnl hOWA armed Cagy aft I,andee ypr a>dsvit11ommati Ciet. HON [A?[ CDl??t1?N'y'S. Hoeo?er sad LeMa !'htdtet oov?ot and ?e a bliloati: 22. is hM qIl ia1M0'tdrail omen to a 1"W" to ioo oa tolbwlntp accolloradw under 8adlim ><g Lahr Ike t y venwo el of.11ms11g ells' qd t Isi p$ tlye tUdd bl Ie ass art dtlw?w6ar ?i fiMreta M taav trs; w 111U' ealalt In i t t l ask of do y ???itAbetsa 266""Wer 0, K b asiaaMale 11aod?atlis awd the ta ? t?t to ,welt is do Zia. st a dd6vk or array Dais, a dleer11wa ?a r!oointwwo autd liantyae m x'4? df" la P 22, %"..a elt 00-1 v 33. XdM& Upon F-W-MM of an aaoos MMMd by SOOMW Lstemulnl?, thin ddwtily Ingham? amd the eHa1e aoaveyad Nob ala Sad hamm vi- A raft voaoglum T 1 S14 db dWp and Sadao dd5 wisky bOME t. 8vtrot"t on 10"I"M eaoerr. Loaadot A-W Marva Haaruwer a fbe for valseft thia isoaity tip IM !6 paid m a &W peep hf aoet kw ra uduw Ed Iba.a atths tea la pa+rntMaad a L+ne X1.711111115. tianowar. to the mom! pp tioi hY Low vdm Said MAW w ma or deiroa in ptoeeediofa m axlbsre dais 4? ift" haam do htt6olk of ew !later, Lvs pceA ft for SW of exocmioal attenaioa of tieaa, aDaee4jadoA ;dote atmcllmaac. 14W and a&. b1111111111 I 115bea1a t peaiad. swcow's Sias to relco a p w 2gol" It Iola to occ ro the m es of bidding at a 5heaitl't ad $ of ooft sail ptlmtplltt Iola M to 161. !D" AS111 "Me, Mu%ly- if aay Of *6 do "ee oa b this swWw hicav assay is lase to D.Mh [ m ugwa tint in da >llaaptaq?. dds 1tNNUMeat"Uo at plllchwi • ?epr 27.11"llat Rob Attlee eo®oreae lwt"rrK faun aka is POW anid oa the Note or hl aaJeed6n Di anctgres ft;tiMtaM be ft rM >MM dal? to Oft under the Now. SAW 1751" ?-a?rRAl rotoaat ?.o. u a u POM 30" Val J?A- - . aft-581*8 % . 48A • a 04-15-'09 15;42 FROM- -Nl"IB-6YVa ut-oaHm r fVIA- T-741 P0022/0029 F-463 1"M r.uzvueu r-ruo BY StGMQ ISM OW. Botmwac acMis and astoea to Me UMS end CDVM WM Watalaad in this Secrtrlty ltuimvaeat Wd in MW Pidor CRoWtod by Borrower And m0orded with it. witnow: is fj IM al Ir (sad) Cp111plM -8onorc metes (Baal) •bwdowrr Wd) (seal) (SCI)) (s** (&a) -Nm way 46howor IstA1105A) w4 al p"Ft o 0d Vj =r8'PG 1487 arzollMlep rvoM 3038 ,rot 04-15-'09 15:42 FROM- ^r? ?? ...,., VL-QVIII I IV111 T-741 P0023/0029 F-463 I_Ual r-ucciuco r-ruo COWONWaALTH CW Pl3WOn VAM, (2Urn ?erl anc1 aovrAy s,_ On this. the C9 ! -Ik day of -ma r C4 Ot ?? bafm me, tine pnderiigned oil, pmenally appeared gCoft 77/7 eaddAcua tp be the peta0u(0 wbws ow"o W submbed to the wid is m=mt 07 sclm edgirf ?ih Wyr aumted *a s m !br the pugmu b udu contained. IN WMMSS WHOMP, I butt =w aet my h std w d oi'rdal Col. My Cabttwasfim Bxpirea: Y^ rime VA& M OQI"IY. P(Jkjl ?a+au??pr'A, ZO09 1me otomou ce rd late of ce I the can= S&Jma o &e w idnac& d MOk ml a is P.O. Box =6, wm, MI 4 ml-md6 Y WIMm my bead this 27th drj of larob, 2007 ll 1 U Ll J1?lataElYloelestee . 1 g1LI,t117516 1 iNnr.: 4WAipl?t[owwa, ey?,.d,• Fwm 3080 1101 I . I f8 t X88 Ct4-15-'09 15:43 FROM- M41-1 J-cuutl uc:4u PTO rrunr T-741 P0024/0029 F-463 -gar r.u 1wo r-rvo LoaaNo.-.BAIA17516 ADJ MABLE MATH B UMN REM (LM0R Sk-Abuth hint (Aa PubMW In At Waff S&cd Jow wo4kaw Ceps) TM WAN Tti PAYAKM In FU(.I, AT A ATCAM. YOU MUST RZFAY IaM WIT >M 7r$WCV'AL BALANCZ OF TEX LOAN AND UNPAID V?rZRWr TIM DVA XA M9k IN f NO ORLIGATION TO RMUNCZ TRX LOAN AT THAT MMM YOU VMU Tom„ BE RI OMM TO MAJM PAMST OUT Op OTitiHR AMMM TEAT YOII 11MAY MM OR YOU VAM HAVS TO Mb A YWOM 1 MCR X&T BZ TH9 tMM YOU RAVS TM LW MM VMUNO TO LWD YOD Tim MCOMII:X IF YOU RZFff4ATXX TM LOAN AT MA'l=>t'l'Y, YOU MAYXA'VI TO PAYSOWORALL Olt TM CLOMGC N+ONM=Y ANOCIATSD WITHA MW LOAN EV9N'IF VOU OBTAIN RISMANONGFAOMTIM NAME LEMM TM ADJMTASLE RA" AIDBR is arcade tots 271b Any of March, 2001, . and is irmo poulad into and absll be deemed to anaMd and aWpplttttladt tbs Matte Dead of boat, or security Deed (ttie "Sactu w insmavne5 of the acme date sivm by Ao ttaderdo d ('Ilonawar") to a cem Haowees A L1e Us* Nm (160 "Kota") to BNC MPRTGAGE, IMC., A DU AWARB COBPMATION ("Lender") of the some dam and covering the propeaiy described in the Satauity Instwneal and located at 111 HOLLY OK ASCUME-SBURG, pA 17055 Mopatty,Wh os] Tim NOTIa CONTAINS PROVI$M ALLOWIIVG FOR CHMGRB IN TUB *DMMT RATE AND TM MOIpMY PAYN30T. TiM NOTE LII aM T$B At#dgiiEW BORRO'WHR111 l nZRN9T SATZ CAN CHANGE AT ANY ONE TIM AM TM 1?dA7eR14vetliRATJt V0RA0W= WWW PAY. ADD VAL C"ZKAP1'Jr L Ht Md1t1w tei 4w ocvw=ts and egreemante msdo in the Secw* hatrument, Hmtov?.eratdfeieelvrfltt??ww?terMd*aaoatb8oaat _ w.. A. 7 VTP, NT RATIC AND MONTHLY PAVMlCt~1'r =MG'M The Net: pmvidcs fpr en initial lataaest lets of SSW %. 'flat Noto proWdae for dmgm in the interest rate sod Ike taooshly paymeAft, 48 folla3wa: 4. IIVUMT RATZ AND MON MY PAYhfl2 T CHANGER (A) Chop Dates The 10tat0l1 tats; J wi8 pay may ohenge on rho Grct day of April, 2009, and on do day ovay 6th mawls thaeea'der Poch dote am which vW iaea t rate could ad=Xo it o&UW a *Chop Data" (B) The In ft Begioaing vdth the Am Mop Dos, my bums rnta will be breed an as Ind= JU wl*datt" is the srasags of intatbatdt eluted torus far sift =a& UJL dollterid9tMOmEoadd deposib in the London nsetlat MM IM, as published id Ps IWdi 3rtnttl JoumW The =at Teem 1Ada+t Sgm mdabie u of Ae firer business day df tba month immodWity precadiag the month in which the Change Date om.aes is called dw'Cena bdea." If the WCX io to lour swMe, the Note Holder wM chow a new wade: thsi is based upon comparable infmmarion. Tho Note Holder wili give me notice of tlsia choice. BALa175'i6 Btemowar bidals MMTMA.7HAbAlal'A1LbRATeeALLWMRMMWJ XMYiianlrtrlNDp gU UBiJ.'eteDMMRWIilYAtRA'JOtlittlttL} etac F4M Paget 09 3 BK .1- 90-8n. -1. 4.819 . @4-15-'09 15;43 FROM- .Nj-15-LYUv uc.WFIF1 r rUIN- T-741 P0025/0029 F-463 i-M r_uzaiuza r-rub (C) Crlculatlonof Chaos= Poymeats Will ba amortised over a 110 you period, wbiah is called The "Azxordn&w Potiod.° Before tact Limp D=, the Now Itukkr wilt vaivasasa%;N";: &Semt zut. by adding 4.050 patv"M?a politer (9i) to the Isilm. Iloilo will tbea Woad the IMk of this addition to doe naareet ona•o bt>a of as PKMW a pout 1239:). Subject to the limits eased below, dds minded amount will be my new istoiWtsabuatt7rhoaer:t Tip, Mbar any horest tsoe dmp as a m Mt of the ndjvsoblo rya fm=v dm Nok RoMw willdelormina tM amotmt of {tN? rtoenlLly 8?y o.nf. 17n .nmNrtNty 1>'sY N311 ti0 b1 ea70Nat t'aMoloot 4 filly tttneT - tba ouaaafts pfind*al bolanoa of the Nab aver the tomaimiag farm of dw Amottu 1wri Panay in equal monv* pay-aw. (D) LbMts ve Ynibra t State Cbsnpet The inWest late I am x"pitvd to pay at Om seat C?uatgo Dow will not be gnats than 12.125 % or lees tbaa 4.BZS %. Tbcroshw my iamW into wM nww bo iiim=ed or demfesad ob ttsy sisgte Cbaege Date by moth dum OW AND 00/100 pereegtstge point(s) (1.00 %) fm the tW ofiatstat I have been paying for the pmooding 6 mootba. My inken rase will newt be greater rhea 16.1115 % My ialamt rate wt7l saver be Was than 9.826 %, M Effeetlve Date of Chagos My natal infexoac taco will pocome o[bMwo uu u.ut, C,h"Sp Data I will pay dw •mn?Ner of my new monthly payment bog6ling an the Brat mo>lft payawnt dos after the C lw4e Date? mill the amount of my won&y pgrm= ohangeo again. (lf) Notice of Cksages Tho Nato Molder will deliver or mail to me a nude* of my cbsngeNs in my idt mx rate and dta amount of my monthly pa)saant before the amwtivo date of toy obange, no notice will Wduda infom mlion Mgnirod by law to be given to too and also dw title and mlapl4lno ntunber of a person vW will austwr asyy gne A02 I may have regat*ng dW Acsioe. B. TBANSM OF TM PROPIRTY CAL A BIRMCIAL AV' IUM DI IIO RXOVM Uniform Cowmant 19 of the Sacwhy tmmunsat is amended to mad as follows: Transfer of the Property or a Baeellidal-Inlareat In >IW"Wor. As and in thhis Scedon 18, '7nunst in tbo Propatq?" _ tnmeswl ituetaur ' the mssq?W including, bat gat ]imitod to. dmo beoe$ald - 1 a transferred in a boAd !br deed„ Coattaot for dyed. imlallmaot sales contact or M=w apWmacat, In intent of which 1, tiro mroafor oTA$a by Bontoww at a Mug data to a parchasw, If all or oayyart of the PmpmW or my btereat in lbo Pro" is sold or naodbted (or if Aortover is not a asa and ptaws and a baWkial basareet in Btasawar is yobs or 0=65004) wWtout Lcadcft prior anitu consent, Loft may regmse feamedho psyn ng in SW of all liars secured by this Snootily Iuk memL LIIawavar. this option shall sot be axerciaed by Leader if such ex i Ww is proltdbited by App HOW Tram. If Landa oreroisaa this option, Laodar shall give Borrower soupy df aoaalerNlOu. T68 notice shall ptwAk a period of not kae *a 30 days item rho dodo tits a s&A is aim in accordsW4 vrith Samoa 15 within which Borrower most pay an am acoarad by this OWN* Ia bUINORL If Borrower Sib to pay t%W cams prior to the htpteation of this podded, Lauder may invoke my remodies permitted by thin SxaTity Iastrehim wikoW finka nodoe or demand on Boeowcr. BottpWe9rlaitiais? BAb017516 11111327 r1 IA= WEFWM Pogo 2 of 3 .. " 04-15-`09 15;43 FROM- T-741 P0026/0029 F-463 ' 1':1.31 r•UL:1l YLO r-10ij BY 8IQiMil3 HPId W, Dormwer aconpts and age to ft utms mqd a vewta contimed in this Adjustable PU to ]Uda - j 4 V?Q A KI'm ( (Sul) ' -Bonowet (SW) (Seal) -Hormwer _gmlrdw.q (Sea) (Seal) Bomwer -Boacwtir Ismko t. fait dR snroi?sYs MUL?1?i'wI'aAD1WTAiL8RA74AAtSA0MR?4[.?IOR SDf.MON711?'1087C(A,S1tlRiLtB?DIN1f/sIAl43TR66fJOt/AM4(L} MWF04M Page 9 of3 1w.r .wr 04-15-`09 15:43 FROM- r'V1-1u-6UUV u[:41 Vol rrurn- RECORDING REQUNSM BY, AND WHEN RICORD16:b ilAAM TO; INC MORTGAGE, INC. P.M Box 14655 lRVIIVS, CMDORNIA n623-9656 MIP'A'St1 M CHARGE RIDER Lmu No.: BAL617316 Application No.: DAU17516 T-741 P0027/0029 F-463 1-441 N. MIM r-rub T4i7S PRWAYMJI M MAReE l (the "Peapsymen[ W &e) in made this Z7th day of March,1007, wad is inompatMd into dead mW b$ deemed to amend and enpp!am= 'Me NottZaM DW of T=L or SemN* Geed (do NSOOM ley IdIQ>tedaef') of dta corms dnoe given by the uudm*ud ("Bonamm") m seouea Barmwera Adjonft Rule Nee (die *Mw") to VNC MOkrGAGY.. INC.. A ZM AWAIM COWOftTKW C%mder") of the now loot and covering d,b pmpetty ds uUwd in U S=dly Iaehum ttt did legated at 11X VOLLY DR dSCHA 1C #SUR4%PA I76S.'l To the mxtant that the pta*iond a(p Ridw (the "Rider) m ioatm, i*m ivlth so pmVWont of the See"ty IedWmmt u&& of prt vbioaw o[? Pcepayi ?Sdg aindi pteVwil over and obeli mwmdde any a* kxosWmtMvFdod& of Ow Saeacity Ituom mot a Wkc the Note. . Forvahm xwAived, tiro teeeipt and saffieiamy of wbicb smhaetby aelmowi 4W. gwtiot S of tho Nota is ,aendad to read in A ondwy ea followb: 5. BOJMWM'S BIG= TO I!MAY, PI"AYNWff CHARGE I haw toe iyfit to taaics paymoon ofPtilkipsl dt day tlmcUa?ro ? aro dna A paament of Pal 0eyr15 )am w a "Pmpeyaeaat." Whoa I make a P1%q HmLk I will coke thoNM MA tiowaitlag tied con ditso.IAM eat"SM Y PR'AUM a a Frapayumt if I have tax tnsde to dw tgoaddypegrmma due uWw do Noce. If I melee a pm W >Pegayman; Beare wig be ma cheegow in rite do data or ti the amount of my momw pdym>,mt side m the None Holder smou fa weftiag to tbels changes. If withia twaiatio-four (24 ) mamba @om the duo ofe:em On of dm Security Imummwat, I mobs a AM Piepwya mt or panW Pmpayanml(w). I will sc don was that psy to rho Now Holder a hopsym m dwP Owd in 1& (6) mantis' advance idaomt ou the amount of die Ptapeymemt tLwt; wisim added io all otbar emoum pmpaid daring No 12-month padod i uum&Wy pending dm deft ofdw hapsymeut. cmeeeda tweAV petcant (2M of the original principal move of" Nob Pap I of2 j G 1 ALS1y516 5.4- 9"'K .141152 " 04-15-'09 15:43 FROM- T-741 P0028/0029 F-463 AM- 11 &VV0 uc.wipu rluni I"b3/ f'-U"LI/U"Ltl F°TU6 L gy fivift below, I (Wo) accept sad agre0 W $0 mane mW mvMMM contained is this p,T4YmaayC*jc &dar. Batmwu tmw er Soon C L41MAINI SCITOWc Bo mwer J9orroWGY Borrower bell an •.y , A 1 ? SALOIIS16 Page 2 oft " 04-15-`09 15;44 FROM- T-741 P0029/0029 F-463 Vf. 1.Vill rf U11- T-537 P.0281029 F-705 FYDEI,I'x'X NATIONAL IME INSURANCE COWAW '.0 REVISED SCHEDULE C DESCRIPTION File No. KOP9trf82121PE Commitment No. KOpM94PPE Client No_ 6083250/945326 ALL THAT CERTAIN LOT, PARCEL OR TRACT OF LAND, AND THE IMPROVEMENTS THEREON. LYING AND BEING IN THE TOWNSHIP OF UPPER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE (50 FEET WIDE). WHICH SAID POINT IS IN THE DIVISION LINE BETWEEN LOT NOS. 80 AND 01 ON THE HERMNAFTER MENTIONED PLAN OF LOTS; THENCE ALONG THE SOUTHERN LINE OF HOLLY DRIVE, NORTH 05 DE=GREES 24 MINUTES 40 SECONDS EAST, NINIE TY (90) FEET TO A POINT IN THE OMSION LINE 80 WEEN LOT NOS. 01 AND 112 ON SAID PLAN; THENCE ALONG THE DIV16ION LINE Bt1VYttN LOTG NOES, Dt AND 62, eOUTVI 24 DEGREES 35 MINUTES 20 SECONDS EAST, ONE HUNDRED SIXTY-SEVEN AND THIRTY-THREE ONE- HUNDREDTHS (167.33) FEET TO A POINT; THENCE SOUTH 67 DEGREE8 40 MINUTES 15 SECONDS WEST, NINETY AND SEVEN ONE-HUNDREDTHS (80.07) FEET TO A POINT IN THE DIVISION LINE: BETWEEN LOT NOS. 80 AND 81 ON SAID PLAN, AFORt meNTIONED; THENCE ALONG THE DIVISION LINE BETWEEN LOT NOS. 80 AND 81, NORTH 24 DEGREES 36 MINUTES 20 SECONDS WEST, ONE HUNDRED SIXTY THREE AND SEVENTY-EIGHT ONE-HUNDREDTHS (163.78) FEET TO A POINT IN THE SOUTHERN LILAC of HOLLY DRPde, AFOREMCNTIONCO, AT Ti IC r+pINY AND PLACE OF I111201NNIN0- EKING LOT NO. 81 IN THE PLAN OF SPRING RUN ACRES, SECTION 5-REVISED, WHICH SAID PLAN IS RECORDED IN THE CUMBE=RLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 20, AT PAGO 87. THE IMPROVEMENT'S THEREON BEING KNOWN AS NO. III HOLLY DRIVE, MECHANICSBURG, PENNSYLVANIA 17055. BEING KNOWN AS PARCEL $ 4218.242E474' - Being the same land and premises conveyed unto Richard Dorsey and Susan Augustine, husband and wife by deed from Evelyn M, Dorsey, single indhdduaal, dated January 15, 2004, reacted January 16, 2004 in Dead Book 261, Page1450 in the Cumberland County Office of the Recorder of Deeds. Being the same land and premises Cohveyed unto Richard Dorsey wd Susan Dorsey by deed from Richard Dorsey and Susan Augustine, dated De ernber 30, 2004, recorded March 3, 2006 In Used Book 267. Page 3942 in the Cumberland County Office of the Recorder of Deeds. Being the some land and premises conveyed unto Wells Fargo Bank, N.A., as Truster; by deed from R. Thomas Kline, Sheriff of the County of Cumberland, dated September % 2006, recorded September 29, 2006 in Deed Book 276, Page 4437 In the Cumberland County Office of the Recorder of Deeds. Property Parts! Number 42-n-2421-074 1 -9-88PG ! 4`94 _ ....® `.. ..? .. a".ar ra•r mum Ye. 3/28 2007 11:48 PM PAGE 40/057 "ax Server LoauNo,: 8AL-017516 BALLOON NOTA (Adjustable Rate) (LIBOR Six-Month Index (As Published In The WaU Street Jotr wo-hate Caps) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MOST REPAY THE lIiNTIRE PRINCIPAL BALANCE OF THE LOAN AND•UNPAM ]V`I%RFST THEN DUE. LENDER IS UND&R NO OBLIGATION TO REFINANCZ TTIB LOAN AT THAT TIME. YOU WILL, THEREFOR, BE REQUIRED TO MAKE PAYMENT OUT 02 OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WMCH MAY BE THE LENDI&R YOU HAVE TM LOAN WrrA WILLING TO LEND YOU THE MONEY. IF YOU RI MANCE THIS LOAN AT MATURITY, YOU MAY DAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM Ti7E SAME LENDER, TINS NOTE CONTAINS PROVISIONS ALLOWING FOR C WOES IN YOUR INTEREST RATE AM YOUR MONTHLY PAYMENT, TM S NOTE LM M THE AMOUNT YOUR INTW.ST RATE CAN OIIANG$ AT ANY ONE T= AND T10 MAXIMUM RATE YOU MUST PAY. March 27, 2007 [Date] IRVINE [City] CALIFORNIA (State] III HOLLYDR, MECHANICSSURG, PA 17055 [Property Address] 1, BORROWER'S PROMISE TO PAY lit rftrn for a loan that I have radVed, I promise to pay U.S. $, 173,375.01} (this amount is milled "Prlnoipal"), plus interest, to the order of Lender. Leaderis BNC MORTGAGE, INC., A DELAWARE 'CORPORATION. I will make all paymw* under this Note in the form of cash, check or money order. I undeawk! that Leader may treader this Note. Lender or sayothe wbo takes this Note by tmosfer and who is gadded to maivepaymenta under this Note is called the,"Note Golder," Z. BN1'BR&4T .._ _ . Interest will be charged on unpaid principal until the full amount of Principe] has been paid I wtl) pay interest at a yearly rate of 9:075 $6, The interest role I will pay may obange in accordance with Section -4 of this Note The interestrate required by tits Section 2 and Section 4 ofthis Note is the rate I will pay both before and after any defrfhdt derzAmd in Section 7(B) of this Note, 3. PAYMIRM (A) Time and Place of Payments I will Pay priWjW and intareat by making a payment every rdonth. I will make my monthly payments on the first day of each month begierting on May I, 2,007 . I will make these payments every mouth until I have paid ail of the principal and interest and say other charges dewdbed below that I may owe underr this Note. 134e1t monthly payment trill be applied as of its achWukod due data and will ba applied to interest before Principal, It on April 1, 2037, I still owe amounts under this Note, I will pay those amounts in full on that date, which is celled the "Maturity Date." I will make my monthly payments at Chose Rome bknanee LLC, Atta: Finsncisl Processing, Dept 360, P.O. B6x24784 ColumbUa, O$ 43224 or its, diik'ereat lace it p required by the Note Holder. (B) Amount of My Initial Metitbly payrents Each of my initial monthly payments will be in to amount of'U.S. S 1,430,24 . Ibis ainount may ebange, BAL017S16 Mhar ATa BALL00"ADAMAGLIF M7E 00. (A9 iK1BLKFIBD INS M4LLSral6rJi0UaNAL (y VKFo"" Page I of 4 Borrower Inidals - tah K "I ) I f 4% f ??. ... •• .?+.+..a.rrsrrw tr kt?? i - • (Q Monthly Payment Changes changes in my monthly payment win.rofiect changes in the unpaid principal of my low and in the Interest rate that I must pay. The Note Holder will Matmine my new latetest rate and the changed amount of my monthly payment In accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CAANGES (A) CLante Dates The itat=st rate I will pay may change on tbs first day of April, 2009 and ob that day every 6th month thereafter. Bach date on which my interest trite could ohange is called a 'Change Date." (0) The Index Beglaning with the first Change Date, my interest rate will be based on an Index. The "I ndee is the average of interbank oflisred rates for six mouth U .S. dollar-denominated deposits In the Iaodou msrket ("IMOR"), as published In The Wall S7row Journal. The most recant Index figure available as of the first business day of the month immediately preceding the month in which die Change Data occurs is called die 'Current Index.' If the Index is no longer available, the Note Holder will choose a new Index that is basal upon comparable i &)Mation. The Note Holder will give in* notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate rhy new interest rate by adding Five And 950!1000 percentage points ( 5.950 %) to the Current Index. TheNote Holder will then round the result of this addition to the nearest one-olghth of me percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my now Interest rate until the next Champ Data The Note Holder will than determine the amount of the monthly payment at my new interest rate. The result of this calculation will be the new amount o£my monthly payment. (D) Llrsdts on Interest Rate Outages The interest rate I am required to pay at the first Change Date will not be greater than 1"n % or Ion than 9.825 %. Thareatter, my Interest rate will never be Increased or declassed on any aingle Change Date by more tban one percentage points(a) ( 1.000 %) from the rate of interest I have bees paying fok the preceding 6 a'»t+• My interest rate will never be greater than 16.825 Ye. My interest rate will never be less than 9.825 %. (II) Effective Date of Changes My now interest rate will become ofkative on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the monthly payment changes Change Date until the amount of my m Bee again. (I+) Notice of Clauses The Note Holder will deliver or trail to me a notice of any changes ht my Interest rate and the amount of my monthly paymwtt before the ofi°ective date of any change. Mw notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 5 BORROWER'S RIGHT TO PREPAY ** See attachid Prepaymeint Rider. I have the right to make payments of Prhto4W at any limo before they are titre. A payment of Principal only is known as a *Prepayment." Wben I make a Prepayment. I WE tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepsymeat or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Pre psymante to reduce the amount of Principal that 1 owe under this Note, However, the !dote Holder may apply my Prepayment to the accrued and unpaid interest on the Pro payment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, them will be no WC Farm Page 2 of 4 Borrowerlaitials 0 ._. 0 changes in the due dates of my monthly payments unless the Notb Holder agrees in writing to those changes. my partial PnPeyment may -duos the ataoudt of my monthly Payments after the first Champ Data following my Partial Prepayment However, any reduction due to mY partial P-payment may be offiet by an interest rate increase. 6. LOAN CHARGES Ifs law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest at other loan charges collected or to be collected In connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limb; and (b) any sums alrrosdy, collected from me that exceeded perarilted limitswill be refwhdod to me. The Note, Holder may choose to make this -Shad by reducing the Principal I owe under this Note or by making a direct payment to me. Ifs -fiord reduces Priuolpsl, the reduction will be treated as a Partial Prepayment. 7. BORROWER'S FAIL= TO PAY AS MUMO (A) Late Charges for Overdue Payments If the Note Holder has not received the !Wl amount of any monibly payment by the end of 15 calendar days after the date it is due, I will pay a Into charge to the Note Holder. The amount of the charge will be S % ofmy overdue payment ofprinaipal and interest I will pay this late charge promptly but only once on each late PaYmsut 03) Default IfI do notpay the full amount of eaoh monthly payment on the data it is due, I will be in default (C) Notice of Default IfI am in dcfauit, the Note Holder may sand me a written notice tolling me that M do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the Bill smotmt of Principal that has not been paid and all the interest that r owe da that amount That date must be at least 30 days after the date on which the notice Is mailed to me or delivered by other means. (D) No Walver By Note, Holder . Evert ig at a time when I am In default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the tight to do so if l am in default at a later time. (E) Psyment of Note Holder's Coats and Expenses If the Note Holder has requited sae to pay immediately in &U as described above, the Note Holder will have dto right to be paid back by me for all of its costs and expanses in enfomiug this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasoeable attorneys' feca. S. GIVING OF NOYxCES Unless applicable law requires a diSbteat method, any notice that must be given td me under this Note will be given by ifI delivering it or by mailing it by fist class malt to me at the Property Address above or at a diith-nt give the Note Holder a notice ofmy different address. Wave the Note Holder requires a dfiBroat method, only notce, that must ba given to too Note Holder under this Note will be given by making it by first olsss snail to the Note Holder at the address stated In Section 3(A) above or at a different addraaa ifl am given a notice of that dif£uant address. 9. OBLIGATIONS OF PFMONS UNDER TMS NOTE If more than one, person satins this Notre, mach person is fully and personally obligated to keep all of the proxhises made in this Note. Including the promise to pay the hU amount owed. Any poison who Is a guermear, surely or endorser of this Note is also obligated to do these things. Any person who tikes over die" obligations, including the obligations of it guarantor, minty or ermlorear of this Note, is also obligt w to kecp all of the promises mode in this Note. The Note Holder may orthm Its rights under this Note against each person Iidividuelliy or against all of us together. This means that any one of us may be required to pay all of the amounts awed under this Note s ADRWa era BAL017916 BMFGM Page 3 of 4 Borrower Initials - . I r 10. WAIVERS I and any other pot who has obligations under thin Note waive the rights of Pnassntment and Notice of Dishonor. "PteeankneaV aroma the right W require the Note Holder to demand payment of amounts due. -Noticc of DW-or- means the right to require the Note Holder to give notice to other persons dint amounts due have not been paid 1L t"MRM SL?CMM NOT2 Ibis Note is a uniform instrurneat with limited variations in come jurisdictions. In addition to ilro protections given to the Note Holder under this Note, a Mortgage, Dead of 7*st; or Sdourity Deed (tho -Sectuity Instrument"), dated the as= data as this Note, protects the Note Holder ftm possible loom that might result if I do not keep the promises that I make in this Note. That Seoarity hutruaaent describes how and under what conditions I may be required to make immediate payment in fbll of all amounts I owe under this Note. Some of dame conditions read as follows. Transfer of the Property or a Beneficial Interest be Borrower. As used in this Section 18, -Inteteat in the Property memre any legal or beaefx W interest in the Property, inalad* but not limited to, those beaafioW interests bWashavd in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is We transfer of dde by Borrower at a future date to a purchaset If all or say part of the Property or my lawbet in the Property is sold or transferred (or ifBofrower is not a natural person and a boneScial interest in Borrower is sold or trandecred) without Lender's prior written consent, Leader may require immediate payment is fail of all sums secured by this Security Instrument. However, ibis op(ion shall not be examined by Leader If such exercise is prohibited by Applicable Law. If Leader exercises this op iM Lender shell give Borrower notice of acceleration. The radce 311011 provide a period of not less thou 30 days Am the date the notice is given in 110001611ee with Section 15 within which Borrower must pay all sums aeoured by this Security Insemnent IfBorfower fells to pay these sums prior to the dxPh lion of 0 is period, Loader may invoke any remedies permitted by this Security instrument without further nodce or demand on Borrower. WITNBSS TJZ HAND(S) AND SEAL(S) OF nM UNDSRSIGM -Borrower -Bose ?o41) (Seal) -Borrower -Bonmver CSC go -Bonawer -Borrower tP Thai Only] BAdA17516 ]?agr4 of4 :.? Borrower Initials ?? r- Ocwen Loan Servicing, LLC P.O. Box 785063 .....__._...__i Orlando, Florida 32878 -5063 OCWEN (Do not send correspondence or payments to the above address) WWW.OCWF.,N.COM March 01, 2009 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515125520579 Reference Code: 0902 Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055-0000 Loan Number: 40896193 Property Address: l 11 Holly Drive, Mechanicsburg, PA 17055-0000 PLEASE SEE THE ENCLOSED DOCUMENT lb:k- ll DACT91.13 Ais communication is from a debt c ect b1tmng tt, collect a debt; any information obtained wil! be usedfor that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constintte an attempt to collect a debt ,.,4"? t t ? ' ? ? -. ti i? ?? ?C?v: ? ..ate ?? i Ocwen Loan Servicing, LLC 0 APPENDIX A March 01, 2009 P.O. Box 785063 L..._.__....._i Orlando, Florida 32878 -.1063 O C W E N (Do not send correspondence or payments to the above address.) ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE W_"'OCWFN ''OM This is an official notice that the mortgage on your home is in default and the lender int nd to foreclose information about the nature of the default 1s provided in the attached paggc_ The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP be able to help your home Thic Notice explains how the program works. To see if HEMAP can lielijyou must NJEET \VITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY 00) DAYS OF THE DATE OF THIS NOTICE. Take this Nohce with you when you meet with the Counseling A ency 1,800-342-2397 (Persons with impaired hearing can call (717) 780-18691 This Notice contains important legal information If you have any questions repregenrofio at +i. Consumer Credit Counseling A ency may be able to help explain it. You may also want to contact an attorney in your area. The t--- I bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN St- CASA-SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLA'MADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIRSU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: Scott Chapman I I I Holly Drive Mechanicsburg, PA 17055-0000 LOAN ACCT. NO.: 40896193 ORIGINAL LENDER: BNC MORTGAGE, INC. CURRENT LENDER/SERVICER: OCWEN DACr91.13 This communication is from a debt co/lector eiiteroptin,?, to collect a debt; any information obtainedwi// be usedfor that purpose. However, if the debt is in attire bankrupic i, or has been discharged through banb-uptcy, this communication is not intended as and does not constitute an attempt to collect a debt O P.O. Box 785063 C W E N Orlando, Florida 32878 -5063 (Do not send correspondence or pcntments to the above address.) W Wei' O(. WE'N M HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM } Ocwen Loan Servicing, LLC YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH AN SAVE YO R HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS, IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILI'1'l" RI:QIiIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE: AGENCY. meetine with one of the consumer credit counseling agencies listed at the end of this-Notice, THIS HEFTING MUST OCCUR WITHIN THE NEXT (301 DAY IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORT A E UP TO DATE THE PART OF THIS NOTICE CAL LED"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAIN HOW TO BRING YOUR MORTGAGE P TO DATE, CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. Thg names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the {ZropeM is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to - -resolve this probtem-witlr the lender, you have the right to apply for finandaf-Assisti tme-from the Homeowner's-Eff a gency '- Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your al)plication. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). _ DACT91.13 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or hay been discharged through bankruptcy, this communication is not intended as and doe.y nol con.vlintle an allempt to collect a debt M. ' w i Ocwen Loan Servicing, LLC P.O. Box 785063 °-- --' Orlando, Florida 32878 -5063 OC WEN (Do not send correspondence or payments to the aboly address.) HOW TO CURE YOUR MORT ACF UL T ((Bring it kaAaAgIcl WA W OCWFN COIv1 NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 111 Holly Drive, Mechanicsburg, PA 17055-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 4 payments in the amount of $ 1,469.24 from December 01. 2,008 through March O1. 2009 DETAIL SUMMARY: Principal and Interest ................................. $ 5,720.96 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 156 00 Late Charges ............. ................. . $1 001 14 Insufficient Funds Charges ........................... , . $ 85 00 Fees / Expenses ........................................ . $ 222 00 Suspense Balance (CREDIT) ........................ . $ 151 87 Interest Reserve Balance (CREDIT) ................ . $ 0.00 TOTAL DUE .......................................... $ 7,033.23 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7,033.23, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa ents must be made either by Money Grant, Cashier' Check Certified heck or Money Order made payable and end. r- OCWEN P.O. BOX 6440 s •_: CAROL STREAM, IL 60197.6440 IF YOU DO NOT CURE TH fttA jf z'j' -If you do not cure tfirie default within THIRTY (30) DAYS of the date of this Notice, the lender intends r? a ere'. a it righ e t accel rare the mn.+ggg deb . This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgage ry IF THE MORTGAGE IS FOR LOSFD UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY f;n) DAY eriod• you will not be red to -VAX attorney's fees OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURL TH DEFAULT PRIOR TO SHERIEE3 A F - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and ent the sale at anv time uo to one hour before the heriffs ale You may do so by Ra3i g the total amoun[ tnen nas[ due plus any late or other charves then due. reasnnah?e 's fees and c_-a_ connected other costs connected with the Sheriffs Sale a uecif[ed in writing by the lender snd b y p•?al:_.a1i.Y_.9?bgr requirements under the mo Qa a Curing your default in the manner set forth in this notice will restore your mortgage to- the same position as if you had never defaulted. EARLIEST POSSIB .E SHERIFF'S SAL DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. This communication is from a debt collector attempting to collect a debt, any information obtained will be used for that purpose.; However, if the debt is in active bankruptcy or has been discharged through bankruptry, this communication is not intended as and does not constitute an attempt to collect a debt ............ ......... .,. Ocwen Loan Servicing, LLC 0 Name HE SERVICER: of Servicer. OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 i P.O. Box 785063 O - - C --• W -- E N ? Orlando. Florida 32878 -.i 063 (Do not send correspondence a prnmeats to the above address.) Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. WWII' OCWI.-N '()?R EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORT A E - You may or may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MA)' ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE - THAN THREE-(3) TIMES IN ANY CALENDAR YEAR.) -- - r - _ TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT O N N AG N I ERVIN YO rRrnrlNTv HOW TO CONTACT T DACT91.13 This communication is from a debt collector attempting to collect a debt, any nformation ob[tlined witl be used for that purpose. However, if the debt is in attire bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constintle an attempt to collect a debt VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiffs verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. §4904 relating to unworn falsification to authorities. Dated: 6nL9 SHAPIRO & DENARDO, LLC BY: Ilana Zionequire Attorney for CJR T.. C Z rn, '? '., I: rr ! 1 ra 2 U 7e - go Sheriffs Office of Cumberland County R Thomas Kline at t0 at culub".. Edward L Schorpp She-iff Solicitor Ronny R Anderson Jody S Smith Chief Deputy 0FFjC4E OF TK SHERIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 05/26/2009 07:23 M -William Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 26 2009 t , 1922 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within amed defendant, to wit: Scott Chapman, by making known unto himself personally, defendant at 111 H I ly Drive Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time h r iding to him personally the said true and correct copy of the same. 05/26/2009 07:22 M - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 26 2009 a , 1922 hours, he was unable to serve a true copy of the within Complaint In Mortgage Foreclosure upon t , e within named defendant, to wit: Occupants. Scott Chapman is the only resident at 111 Holly Drive echanicsburg, Pennsylvania 17055. SHERIFF COST: May 27, 2009 Wells F Scott SO ANSWERS, R THOMAS KLINE, SHERIFF Bank, NA Deputy Sheriff c: r '-t1 rr, ;- : R r 4 SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & DeNARDO, LLC BY: pl?m Ilana Zion, Esquire Attorneys for Plain ' f r Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI v. Scott. Chapman VERIFICATION The undersigned is Manager Ocwen Loan Servicing, LLC on behalf of Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI Name: KeA M. Jackson Title: Manayer LOAN NO: 40896193 09-035350 FILED-CkfFICF OF THE POT!"O"NOTARY 2009 JUN -5 Pe ?, 5 2 4 ...: vex t ?' iPE?????'fl_W? I4 The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111-5260 TEL: (717) 909-5858 FAX: (717) 909.7788 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY VS. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 DEFENDANT NO: 09-3224 CIVIL TERM NOTICE TO PLEAD TO: WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OSI YOU ARE HEREBY NOTIFIED TO FILE A WRITTEN RESPONSE TO THE ENCLOSED NEW MATTER AND COUNTERCLAIN WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A JUDGMENT MAY BE ENTERED AGAINST YOU. 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 rights important to you, including custody or visitation of your children. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 23 South Bedford Street Carlisle, PA 17013 (717) 249-3166 "ISO LISTED HA SIDO DEMANDADOIA EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos viente (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que se usted falla de tomar accion como se describe anteriormente, el case puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dicado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTGED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. Sl USTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME O VAYA A LA SIGUIENTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 23 South Bedford Street Carlisle, PA 17013 (717) 249-3166 THE LAW OFFI %?PPF ES LIE DAVID JACOBSON DATE: t vl 0 F LeAke Da acobson Street Suite A Harrisburg, PA 17111 (717) 909-5858 (717) 909-7788 Fax Attorney for Defendant LAW OFFICE OF LESLIE DAVID JACOBSON BY: LESLIE D. JACOBSON, ESQUIRE, ATTORNEY I.D. NO.52673 8150 DERRY STREET SUITE A HARRISBURG, PA 17111 TELEPHONE: 717.909.5858 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 CIVIL TERM ANSWER TO COMPLAINT IN MORTGAGE FORECLO§URE And now comes Defendant, Scott Chapman, by and through counsel, Leslie D. Jacobson, Esquire, and offers the following averments in support of the Answer to Complaint in Mortgage Foreclosure: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Denied that the Mortgage is in default because the monthly installments of principal and interest and other charges stated below and due as of December 1, 2008 have not been paid and that consequently the whole principal is immediately due and payable. 8. Denied that the following amounts are due as of May 16, 2009: Principal Balance Due Interest Currently Due and Owing at 9.825% From November 1, 2008 to May 16, 2009 Late Charges Escrow Advances NSF Check Fee Appraisal Fees Property Inspection Suspense/Unapplied Balance Title Search Cost Attorney Fees & Costs of Foreclosure TOTAL $173,155.30 $9,182.17 $1,215.67 $6,167.23 $85.00 $111.00 $31.50 ($1,110.88) $250.00 5,000.00 $194,086.99 9. Denied that interest accrues at a per diem rate of $46.61 each day after May 16, 2009 and that the debt remains unpaid. 10. Denied that the attorneys' fees set forth will be collected in the event of a third party purchaser at Sheriff s sale and if the mortgage is reinstated prior to the sale that reasonable attorneys' fees are to be charged. 11. Admitted. WHEREFORE, Defendant respectfully requests that this Court enter judgment in favor of Defendant and for any other relief deemed appropriate. NEW MATTER 12. Defendant did fall behind at the end of 2008 with his mortgage payments. He subsequently received an offer of a loan modification from Ocwen. Ocwen sent him a loan modification agreement. (See Exhibit D.) 13. According to the agreement, to accept the offer Mr. Chapman had to fax a signed copy back to Ocwen together with the first payment of $998.01 on or before February 28, 2009. Mr. Chapman did so. (See Exhibit E.) This is now a novation of the original note, and is binding on both parties. 14. Defendant has continued making payments as required under the loan modification agreement. 15. Defendant was notified that pursuant to the loan modification agreement he would be required to pay his homeowners insurance directly to the insurance company, which he has done also. 16. Defendant has requested that Plaintiff correct their records to reflect correctly the terms of the loan modification agreement. 17. Defendant has requested that Plaintiff take all steps necessary to see that all credit reporting services correctly reflect the current status of the loan and verify same to the undersigned. 18. Defendant has requested that Plaintiff cease and desist all collection efforts. 19. This action is barred by the doctrine of Novation. 20. This action is barred by the doctrine of Accord and Satisfaction. WHEREFORE, Defendant respectfully requests that this Court enter judgment in favor of Defendant and for any other relief deemed appropriate. COUNTER CLAIM 21. The answers in Paragraphs 1 - 20 are incorporated herein as though fully set forth. 22. Plaintiff's filing of this Mortgage Foreclosure is a breach of contract, which has caused damage to the Defendant. 23. By failing to correct Defendant's credit reports, Defendant has also been damaged thereby. 24. Because of the breach of Contract, Defendant has had to hire counsel, and defend this action at a cost of $2500.00 to date with continuing attorney's fees accruing. 25. Plaintiff's conduct is outrageous and is deserving of punitive damages. WHEREFORE the Defendant respectfully requests judgment in his favor for the amount $2500.00 against Plaintiff, and for punitive damages and for any other relief deemed appropriate. C a Q LA FFICE OF LES E DAV D JACOBSON Date: t BY: 1 t L slie D. Jacobson, ey for Defendan ttorney ID #52673 150 Derry Street Suite A Harrisburg, PA 17111 EXHIBIT D Vie U C W E„ OCWENLoan Servicing, LLC W '•OCWEN.COM Save your home AND lower your monthly payment! February 9, 2009 Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 Save your home AND lower your mortgage payment Re: Loan No.: 40896193 Property Address: 111 Holly Drive, Mechanicsburg, PA 17055 Dear Valued Customer. The U.S. Government has recently introduced many new programs designed to help homeowners like you who are struggling to make their monthly mortgage payments. Ocwen is not only cooperating with the Government, we are attempting to exceed expectations. In fact, this year alone our programs have helped over 40,000 homeowners in similar situations to yours to save their homes from foreclosure. How have we done this? By providing these customers modifications to their loan terms so that they could resume making payments - more importantly, payments they could afford. You may be wondering - "How can Ocwen help me?" You have been selected to receive a special 'STREAMLINED LOAN MODIFICATION" that will lower your mortgage payment. In fact, your new payment will be only $998.01 per month, including your taxes and insurance if your account was previously escrowed. This modification is permanent The principal and interest portion of your mortgage payment will not increase. You will not be charged any fees or costs related to this offer. ACT NOW because this offer is part of a specialized initiative program that ends on February 28, 2009. If this great offer does not meet your financial situation, call us at 877-596-8580. There are other options that are part of this initiative program, but the KEY IS TO ACT NOW, because all of the options are tied to this initiative program, and it ends February 28, 2009. What you should do: To take advantage of this offer you must read, understand and sign the attached agreement. You must also send us the first month's payment. A loan modification changes the original terms of your mortgage, so please make sure you read and understand all the new terms Make your initial payment in the amount of $998.01 by one of the following methods. Please reference your Ocwen loan number. This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. INVREL Ocwen Loan Number. 40896193 LOAN MODIFICATION AGREEMENT Ocwen Loan Servicing, LLC ("Ocwen'j is offering you this Loan Modification Agreement ("Agreement'), dated February 9, 2009 which modifies the terms of your home loan obligations as described in detail below: A. the Mortgage, Deed of Trust, or Security Deed (the "Mortgage"), dated and recorded in the public records of Cumberland County, and B. the Note, of the same date and secured by the Mortgage, which covers the real and personal property described in the Mortgage and defined therein as the "Property", located at 1 I 1 Holly Drive Mechanicsburg, PA 17055 Pursuant to our mutual agreement to modify your Note and Mortgage and in consideration of the promises, conditions, and terms set forth below, the parties agree as follows: 1. You agree that the new principal balance due under your modified Note and the Mortgage will be $181,229.50. Upon modification, your Note will become contractually current; however fees and charges that were not included in this principal balance will be your responsibility. 2. You promise to make an initial down payment in the amount of $998.01 on or befbre February 28, 2009, after which you will commence payments of principal and interest in the amount of $959.01 on April 1, 2009 and continuing on the 1 day of each succeeding month until 4/1/2037, at which time a final balloon payment in an amount equal to all remaining amounts under the Note and Modification will be due. 3. Upon Modification, the annual rate of interest charged on the unpaid principal balance of your loan will be converted to a fixed rate of 6.3500%. This rate will remain in effect until the maturity date of your loan. 4. Any payments due for taxes and insurance will be your responsibility in addition to the payments of principal and interest required under the terms of this modification. You will comply with all other covenants, agreements, and requirements of your Mortgage, including without limitation, the covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that you are obligated to make under the Mortgage, except as otherwise provided herein. 6. You understand and agree that: (a) All the rights and remedies, stipulations, and conditions contained in your Mortgage relating to default in the making of payments under the Mortgage will also apply to default in the making of the modified payments hereunder. (b) All covenants, agreements, stipulations, and conditions in your Note and Mortgage will remain in full force and effect, except as herein modified, and none of the your obligations or liabilities under your Note and Mortgage will be diminished or released by any provisions hereof nor will this Agreement in any way impair, diminish, or affect any of Ocwen's rights under or remedies on your Note and Mortgage, whether such rights or remedies arise there under or by operation of law. Also, all rights of recourse to which Ocwen is presently entitled against any property or any other persons in any way obligated for, or liable on, your Note and Mortgage are expressly reserved by Ocwen. (c) Any expenses incurred in connection with the servicing of your loan, but not yet charged to your account as of the date of this Agreement, may be charged to your account after the date of this Agreement. Page 1 of2 Borrowers Initials 5V Ocwen Loan Number. 40896193 (d) You have no right of set-off or counterclaim, or any defense to the obligations of your Note or Mortgage. (e) Nothing in this Agreement will be understood or construed to be a satisfaction or release in whole or in part of your Now and Mortgage. (f) You agree to make and execute such other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement which, if approved and accepted by Ocwen, will bind and inure to your heirs, executors, administrators, and assigns. (g) You understand that this agreement is legally binding and that it affects your rights. You confirm that you have had the opportunity to obtain, independent legal counsel concerning this Agreement and are signing this Agreement voluntarily and with full understanding of its contents and meaning. 7. BY EXECUTING THIS MODIFICATION, YOU FOREVER IRREVOCABLY WAIVE AND RELINQUISH ANY CLAIMS, ACTIONS OR CAUSES OF ACTION, STATUTE OF LIMITATIONS OR OTHER DEFENSES, COUNTERCLAIMS OR SETOFFS OF ANY KIND WHICH EXIST AS OF THE DATE OF THIS MODIFICATION, WHETHER KNOWN OR UNKNOWN, WHICH YOU MAY NOW OR HEREAFTER ASSERT IN CONNECTION WITH THE MAKING, CLOSING, ADMINISTRATION, COLLECTION OR THE ENFORCEMENT BY OCWEN OF THE LOAN DOCUMENTS, THIS MODIFICATION OR ANY OTHER RELATED AGREEMENTS. 8. BY EXECUTING THIS MODIFICATION, YOU IRREVOCABLY WAIVE ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS MODIFICATION AND ANY RELATED AGREEMENTS OR DOCUMENTS OR TRANSACTIONS CONTEMPLATED IN THIS MODIFICATION. / Ocwen Loan Servicing, LLC Bop6wer By: Borrower Page 2 of 2 Borrowers Initials z Ocwen Loan Number: 40896193 MONEY GRAM OVERNIGHT DELIVERY BY PHONE Receive Code: 2355 Ocwen Loan Servicing, LLC Ocwen Loan Servicing, City: Orlando 1661 Worthington Rd, Suite 100 LLC State: FL West Palm Beach, FL 33409 877-596-8580 Loan Number: Attention: Modification Department In addition, please sign the enclosed agreement and send it via facsimile to 407-737-5693 or via mail to: Ocwen Loan Servicing, LLC Attention: Modification Department 1661 Worthington Rd. Suite 100 West Palm Beach, FL 33409 That's all you have to do to save your home AND improve your mortgage rate! If you have any questions at all regarding this offer, please call our Home Retention Department at 877-596-8580, and remember "Helping Homeowners is what we do." Regards, I-- - ?- Ronald M. Faris President Borrowers Initials Ociven Loan Servicing, LLC f ?+ P.O. Box 785063 O C W E N Orlando, Florida 32878 -5063 WWW.OCWEN.COM (Do not send correspondence or payments to the above address.) February 9, 2009 Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 BALLOON DISCLOSURE Loan Number: 40896193 Property Address: 111 Holly Drive Mechanicsburg, PA 17055 Dear Borrower (s): The loan modification which you have applied for contains a balloon provision. This means that even if you make all payments full and on time, the loan will not be paid in full by the final payment date. A single balloon payment will be due and payable in full on 4/1/2037, provided all payments are made in accordance with the loan terms, and the interest rate does not change for the entire loan term. The balloon payment may be more or less depending on your payment history, and, if you have an adjustable rate mortgage, any interest rate changes that occur during the life of the loan. OCWEN, or any lender to which your loan is transferred or assigned, is under no obligation to finance the amount of the balloon payment. The value of the real estate securing this loan may change during the term of the loan. On the date the balloon payment becomes due, the value of the real estate may not be sufficient to secure a new loan in an amount equal to the balloon payment. Uwe have read the above disclosure and acknowledge receiving a copy by signing below. Ocwen Loan Servicing, LLC Sco Chapman By: This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. If you or your account are subject to a pending bankruptcy or your obligation referenced in this statement has been discharged in bankruptc7; this statement is for infoimal purposes only and is not an attempt to collect a debt. EXHIBIT E M0/t:,Py,Gi'airl,QJ CUSTOMER COPT(/COPIA DEL CLIENTE CITGO FOOD MART DW 1100 E SINPSON ST NECHANICSBURG, PENNSYLVANIA 17055 7177958960 ExpressPayaent SEND/ENVIO 414397686101 Date/Fecha: 4/8/09 Tire/Hore: 10:52 AN Sender Information Informaci6n de la persona envia SCOTT CNAPNAN Phone/Teldfono: 7175807026 Receiver Information Informacidn de la persona que recite OCNEN LOAN SERVICING Account/Cuenta: sssM6193 MoneyGram,,4& CUSTOMER COPY/COPIA DEL CLIENTE CITGO FOOD MART DW 1100 E SINPSON ST NECHAHICSBUR6. PENNSYLVANIA 17055 7177958960 ExpressPayaent SEND/ENUIO 414397686101 Date/Fecha: 2/28/09 Time/Hare: 10:05 AN Sender Information Informacidn de la persona envia SCOTT CHAPNAN Phone/Teldfono: 7175807026 Receiver Information Informaci6n de la persona que recite OCVEN LOAN SERVICING Account/Cuenta: ****6193 Reference/Referencia# 90970843 Reference/Referencia# 92464101 Amount Transferred/ Amount Transferred/ Cantidad del Envio 959.01 Cantidad del Envio 998.01 Fee/Cargos 9.95 Fee/Cargos 9.95 Discount/Descuento 0.00 Discount/Descuento 0.00 Total/Total 968.96 Total/Total 1007.96 Transaction subject to terms and conditions on NaneyOrem receipt holder. Transocciones estdn suietes a los tdrainas y condiciones impresos an al Porte-recibo de NoneyOram. Transaction subject to terms and conditions an NoneyOram receipt holder. Trensaccianes estdn suietes a Jos tdrminos y condiciones impresos on el aorta-recibo de NoneyGram. MoneYGram,e CUSTOMER COPY/COPIA DEL CLIENTE CITGO FOOD MART DW 1100 E SINPSON ST NECHANICSM. PENNSYLVANIA 17055 7177958950 ExpressPavaent SEND/ENVIO 414397586101 Date/Fecha: 5/5/09 TiNe/More: 2:53 PN Sender Information Information de la persona envia SCOTT CHAPNAN Phone/Telifona: 7175807026 Receiver Information Informacion de la persona que recite OCNEN LOAN SERUICINB Account/Cuenta: ****6193 Reference/Referencia# 85223868 Amount Transferred/ Cantidad del Envio 514.87 Fee/Cargos 9.95 Discount/Descuento 0.00 Total/Total 524.82 Transaction subject to terns and conditions on NoneyBrao receipt holder. Transocciones estin suietes a ]as tirainos y condiciones iNprescs on el Porte-recibo de NoneyBrom. VERIFICATION I, Scott Chapman, do hereby verify that the facts stated in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Date: By: Scott Chapman LAW OFFICE OF LESLIE DAVID JACOBSON BY: LESLIE D. JACOBSON, ESQUIRE, ATTORNEY I.D. NO.52673 8150 DERRY STREET SUITE A HARRISBURG, PA 17111 TELEPHONE: 717.909.5858 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 CIVIL TERM CERTIFICATE OF SERVICE I, Elizabeth Rhoades, Legal Assistant, with the Law Offices of Leslie David Jacobson, hereby certify that I served a true and correct copy of the foregoing Answer To Complaint in Mortgage Foreclosure by depositing the same in the U.S. Mail, First Class, postage prepaid to the following: Ms. Ilana Zion, Esquire Shapiro and DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Attorney for Defendant Dated: (oh `l ,L0 I LAW OFFICES OF LESLIE D. JACOBSON By: ` 0 . Et abeth Rhoades Y CF TIAE 2CU `.. -/ v ..?, i WELLS FARGO BANK, N.A., as Trustee for the Registered Holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, Plaintiff vs. SCOTT CHAPMAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW NO. 09-3224 CIVIL IN RE: PRELIMINARY OBJECTIONS OF THE PLAINTIFF TO DEFENDANT'S COUNTERCLAIM BEFORE HESS, OLER AND GUIDO, J.J. ORDER AND NOW, this /3' day of October, 2009, while we express no opinion with regard to the merits of the defendant's counterclaim, the preliminary objection of the plaintiff to the effect that the counterclaim is violative of Pennsylvania Rule of Civil Procedure 1148 is OVERRULED. Ilana Zion, Esquire For the Plaintiff Leslie D. Jacobson, Esquire For the Defendant :rlm ff ~~~ ~ ~`~~ BY THE COURT, vL «~ T~ ~;.. ~'~-,; ; ~~.; 2~~~ G~ ! i' ~~ 4 !~~ 3 ~; cf PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) ,?? , ;;:a pRQTNa TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for we) Argument Court.) 2??2 -------------------------------------------------------------------------- --------------------------------------- - CAPTION - OF - CASE ?^GMgERLAR GQUNV (entire caption must be stated in full) PESNSYLV NIA Wells Fargo Bank, N.A., as Trustee forthe registered holders of Structu ed Asset Securities Corpostion NOrtgage Pass-Through Certificates, Series 007-OSI vs. Scott Chapman No. 3224 , 2009 Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Notion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Leslie J. Rase, Esquire Shapiro & DeNardo, LLC (Name and Address) 3600 Horizon Drive, Ste. 150, Ring of Prussia, PA 19406 (b) for defendants: Leslie Jacobson, Esquire (Name and Address) 8150 Derry Street, Suite A, Harrisburg, PA 17111 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Leslie J. Rase. Esquire Print your name Plaintiff Attorney for Date: August 3, 2012 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case Is relisted. QM{ $19.75 pd a pK.t f oao vab ? a7 ??o SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman DEFENDANT ED-OFFICL 012AUG-6 AM 10: GI t? PE NNSYL?VANATY COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 MOTION OF PLAINTIFF, WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATIO MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OSI FOR SUMMARY JUDGMENT Plaintiff, Wells Fargo Bank, N.A., as Trustee for the registered holders of S Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI referred to as "Plaintiff'), by and through its attorneys, Shapiro & DeNardo, LLC, pursuant Pa. R.C.P. No. 1035.1 et seg., hereby moves this Court for Summary Judgment in its favor against Defendant Scott Chapman (hereinafter referred to as "Defendant"). In support of Motion, Plaintiff avers the following: 1. On or about March 27, 2007, Defendant borrowed the principal sum $173,375.00 from BNC Mortgage, Inc. and as evidence thereof executed and delivered to Mortgage, Inc. their promissory note in the amount of $173,375.00 on the same date "Promissory Note"). A true and correct copy of the Promissory Note is attached s incorporated herein by reference and marked as Plaintiffs Exhibit "A". 2. In order to secure their obligations under the Promissory Note, Defendant executed a mortgage on the same date (the "Mortgage") in the amount of $173,375.00 in favor Mortgage Electronic Registration Systems, Inc. as nominee for BNC Mortgage, Inc., successors and assigns (hereinafter "MERS"), describing and encumbering certain real located at 111 Holly Drive, Mechanicsburg, PA 17055 (the "Mortgaged Premises") Mortgage was duly recorded in the Office of the Recorder of Deed of Cumberland County April 11, 2007 at Book 1988, Page 1473, et seq. A true and correct copy of the Mortgage l is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "B". 3. MERS subsequently assigned the Mortgage to Plaintiff, Wells Fargo Bank, N.*., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Through Certificates, Series 2007-OSI, by written assignment, dated June 9, 2009, assignment was duly recorded in the Office of the Recorder of Deeds in Cumberland County June 23, 2009 in Instrument No. 200921271, (the "Assignment"). A true and correct copy of Assignment is attached hereto, incorporated herein by reference and marked as Plaintiffs 11C11 4. Defendant subsequently defaulted under the Note and Mortgage (co referred to as the "Loan Documents") by failing to make the required monthly payment principal, interest and other collectible charges under the Loan Documents, which payment due on December 1, 2008, and all payments since then. 5. On or about May 21, 2009, Plaintiff instituted an action in mortgage against Defendant pursuant to Pa. R.C.P. No. 1141 et seq. (the "Foreclosure Action") commenced the Foreclosure Action with respect to the Mortgaged Premises, as a result Defendant's failure to make the payments of principal and interest, together with other charges authorized by the Loan Documents when due. A true and correct copy of the Complaint is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "D". 6. On or about June 19, 2009, Defendant filed an Answer with New Matter Counterclaim (the "Answer") to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto, incorporated herein by reference and marked as Plaintiffs Exhibit "E". 7. In the Answer, Defendant admits the following: (a) The parties to the Mortgage; (b) The date and recording information of the Mortgage; (c) The Assignments of the Mortgage; (d) Plaintiff is the current holder of the Mortgage; (e) The legal description of the Mortgaged Premises; (f) Defendant is the real owner and mortgagor; (g) Defendant's mailing address; (h) Defendant received notice of intention to foreclose; (i) Defendant has not made each and every monthly mortgage payment due owing pursuant to the mortgage. 8. Defendant's purported denials in the Answer fail to plead with the req factual specificity required by Pa. R.C.P. Nos. 1019(a), (b), (f), and (h) and 1029(a) and (b). 9. Defendant's Answer fails specifically to raise a genuine or triable issue as to material fact which would preclude entry of the Summary Judgment in Plaintiffs favor. 10. Pursuant to the terms of the Loan Documents, upon Defendant's failure to the payments, as set forth hereinabove, all of the sums due in accordance with the Documents are, upon demand, immediately due and collectible. 11. On or about November 23, 2009, Plaintiff filed its reply to Defendant's N Matter and Counterclaim. A true and correct copy of Plaintiffs Reply to Defendant's N Matter is attached hereto, incorporated herein and marked as Plaintiffs Exhibit "F" 12. On or about Septembe r 14, 2011, Plaintiff served Defendant its First Set Interrogatories and Request for Production of Documents, together with Plaintiffs Request Admissions (hereinafter collectively referred to as "Plaintiffs Discovery"). True and copies of Plaintiffs Discovery are attached hereto, incorporated herein by reference and as Plaintiffs Exhibit "G". 13. Plaintiffs Request for Admissions sought admission of the following matters: a. Defendant executed the Note and Mortgage on March 27, 2007 in amount of $173,375.00; b. That the Note is secured by the Mortgage covering the property; C. Defendant failed to make the December 1, 2008 payments and payments; thereby defaulting under the Mortgage; d. Defendant has not tendered monies sufficient to cure the full arrearages on the delinquent account; and e. Defendant failed to return to Plaintiff a February 9, 2009 modification agreement on or before February 28, 2009. 14. Defendant failed to serve Plaintiff with Responses to Plaintiffs Discovery required by the Pennsylvania Rules of Civil Procedure. Pursuant to Pa. R.C.P. No. 4014(b), matters covered by Plaintiffs Requests for Admissions were therefore deemed to have conclusively admitted, thirty (30) days after the service of the Request for Admissions upon Defendant's counsel. Poli v. South Union Township Sewage Authority, 56 Pa. Commw. 62, A.2d 568 (1981). 15. On April 4, 2012, Plaintiffs counsel sent a letter to Defendant's counsel counsel that Defendant had not responded to Plaintiffs Discovery as required, and that Request for Admissions were deemed admitted. Plaintiff also granted a unilateral extension time until April 17, 2012 for Defendant to respond to Plaintiffs Interrogatories and Request Production of Documents. A true and correct copy of the letter is attached hereto, herein by reference and marked as Plaintiffs Exhibit "H". 16. To date, Defendant has not served any answers or documents in response Ito Plaintiffs Discovery requests, thereby failing to provide any information or documents Plaintiffs allegations. Defendant has therefore failed to raise a genuine issue as to any fact in this case. 17. Attached hereto, incorporated herein by reference and marked as Plaintirs Exhibit "I" is Plaintiffs Affidavit of Shannon M. Fretwell, a Contract Management Coordinator, employed by Plaintiff in support of this Motion for Summary Judgment, and attached thereto is the current and updated loan history, which together establish that the Mortgage continues to in default, and that as of April 30, 2012, the following amounts are due and owing to under the Mortgage: Principal of Mortgage Debt Due and Unpaid $173,155. Interest $59,397. Late Charges $536.3 2 Escrow Advances $13,140, 11 NSF Check Fee $85,( 0 Appraisal Fees $1,069.( 0 Property Inspection $235.( 0 Foreclosure Fees & Costs $1,723. 0 Suspense/Unapplied Balance ($1,110.8 8) Title Report $300. 0 Certified Mail Cost $100. 4 $248,631.18 18. The pleadings, exhibits thereto, Defendant's failure to respond to Discovery, Defendant's Admissions on file pursuant to Pa. R.C.P. No. 4014(b), together Plaintiffs Affidavit of Amount Due and Loan History, clearly demonstrate that there is genuine issue as to any material fact, and that Plaintiff is entitled to summary judgment matter of law. Further, disposition of the motion will not delay trial in this matter. WHEREFORE, Plaintiff, Wells Fargo Bank, N.A., as Trustee for the registered of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-C respectfully prays that this Honorable Court enter judgment of Mortgage Foreclosure in rem its favor and against Defendant, Scott Chapman, in the amount of $248,631.38, authorizing & of the mortgaged property, together with additional expenses and interest through the date judgment and thereafter as provided by the Mortgage and applicable law, plus reasonal attorneys' fees actually incurred, and costs. A proposed order to such effect is filed herewith. Respectfully submitted, SHAPIRO & De O, LLC BY: Leslie J. Rase, Esquire A Attorney for Plaintiff/Movant Dated: Attorney I.D. No. 58365 09-035350 s a I ?,A„ 0 • Loan N BALLOON NOTS (Adjustable Rate) (LIBOR Six-Month Index (As Published In The Wall Street Journal)-Rate Caps) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUB LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, 1HERIMORE, EX RZQUMD TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE TIM LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY.ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN YOUR INTEREST RATE AND YOUR MOMMY PAYMENT. THIS NOTE LVaM TIM AMOUNT YOUR INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE N=IMUM RATE YOU MUST PAY. March 27, 2007 IRVINE CALIFORNIA pate]. [City] [State] iii HOLLY DR, MECHANICSBURG, PA 17055 [Property Address] 1. BORTIOWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. S 173,375.00 (this amount is called "Principal"), plus interest, to the order of Lander. Leader is BNC MORTGAGE, INC., A DELAWARE CORPORATION. I will make all payments under this Note in the form of cash, check or money order. I understand that Leader may transfer this Note. Lander or anyone who tales this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 9.825 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest into required by this Scotion 2 and Section 4 of this Note is the rate I will pay both before and aft any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place or Payments I will pay principal and interest by making a payment ovary rdouth. I will make my monthly payments on the Brat day of each month beginning on May 1, 2007. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Bach monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. 14 on April 1, 2037, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Data" I will make nay monthly payments at • Chase Home Finance LLC, Attn: Financial Processing, Dept. 360, P.O. Box 24784 Columbus, ON 43224' or at a different place if required by the Note Holder. (B) Amount orMy Initial Monthly Paymants Each of my initial monthly payments will be in the amount ofU.S. $ 1,430.24 . This amount may change. MMrVr,kTZ BALLOON ADJUSTABLE ( w awe, aNC ram Page 1 of 4 ?' Borrower Initials i _ • • (C) Monthly Payment Changes Changes in my monthly payment will-reflect changes in the unpaid principal of my loan and in the laterest rate that I most pay. The Note Holder will detemrine my new interest rate and the changed amount of my monthly payment in accordance with Seodon 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYh11ENT RANGES (A) Change Data The interest rate I will pay may change on the rust day of April, 2009 , and on that day every 6th month thereafter. Each date on which my interest rate could ohaage is called a "Change Date." (B) The Ind" Beginning With the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offired rates for six month U.S. dollar-denominated deposits In da London market ("I IBOR' j, as published in Tke Wall Sovet Journal. The most recent Index figure available as of the first business day of the month immediatoly procading the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that Is based upon comparable infotmadon. The Note Holder will give ma notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rata by adding Ftve And 95W1000 percentage points ( 5.950 %) to the Current Index. The Note Holder will then round due result of this addition to the nearest one-eigblh of one percentage point (0.125%). Subject to the limits stated in Section 4(1)) below, this rounded amount will be my now interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment at my new interest rate. The result of this calculation will be the now amount of my monthly payment. (D) Limits on Interest Rate Changes The lntesest rate I am required to pay at the fast Cheap Date will not be greater than M825 % or less (bah 9.825 %. Thereafter, my interest rate will never be imaessed or decreased on any single Cheap Date by mom than one percentage poidta(s) ( 1.000 %) from the rate of interest I have been paying for the pteaeding 6 months. My interest rate will never be greater than 16.825 %. My interest rate will never be I%$ than 9.825 %. M Effective Date of Changes My new interest rate will become of iective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (I) Notice of Changes no Note Holder will deliver or mail to me a notice of any changes In my Interest rate and the amount of my monthly payment before the effective date of any change. -The notice wil l include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 5.13ORR0'P =1S RIGUT TO PREPAY ** See attached Prepayment Rider. I have the right to make payments of Primipal at any time before they am due. A payment of Principal only Is known as a "Prepayment." When I make a Prepsymeat, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under Us Note. I may make a full Prepayment or partial Prepayments without paying say Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, them will be no BAL017516 e .tot nMV"NUL? s BNC form Page 2 of 4 Borrower Initials changes in the due dates of my monthly payments unless the Not9 Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARM If a law, which applies to this loan and which seta maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any aims already collected hom me that exceeded permitted limits will be reflrnded to me. The Note Holder may choose to make this refined by reducing the Principal I owe under this Note or by making a direct payment to me. If* refired reduces Principal, the redaction will be treated as a partial Prepayment. 7. BORROWNR'S FAILURE TO PAY AS REQUZO (A) Late Charges for Overdue Payments If the Note Bolder bas not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5 % of my overdue payment of principal acrd interest. I will pay this late charge promptly but only once on each late payment (B) Default If l do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am fa default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may requite me to pay immediately the Hill amotmt of Principal that has not been paid and all the interest that I owe tin that amount That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder , Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if l am in default at a later time. . (E) Payment of Note Holders Costs and Expenses If the Note Holder has required me to pay immediately in fall as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fecs. S. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a diflerent address IfI give the Note Holder a notice ofmy different address. Unless the Note Bolder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first cites mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more titan one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who Is a guarantor, surety or endorse of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligation's of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each parson individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. BAL017616 R RX(ASPUBLISHED IN TW W.trlMWTJ URNAL r4/2005) FOe" Page 3 of 4 Borrower Initials • • 10. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Prosenhtuat" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persona that amoynta due have not boon paid 11. UNIIPORM SECURED NOTE This Note is a utdform instrument with limited variations in some jurisdictions. In addition to the protectioas given to the Note Holder under this Note, a Mortgage, Deed bf Trust, or Security Deed (the "Security Instrument"), dated the some data ae this Note, proteots the Note Holder tlom possible losses that might result if l do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe tinder this Note. Some of those conditions read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section IS, "Ioterost in the Property" mews any legal or bane6oial interest in the Property, including, but not limited to, those beneWal interests trabsberrod in a bond for deed, contract for dead, installment sales contract or escrow agreement, the jaunt of which is the transfer of title by Borrower at a Amore date to apurchaset. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrowor is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lander may require immediate payment in full of all sums secured by this Security IBstrument. However, Shia option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not leas than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security lnshumeat without further notice 6r demand on Borrower. WITNESS HAND(S) AND SEAL(S) OF THE -UNDERSIGNED. (Seal) (Seal) S -Borrower -Borrower (Sea) (Seat) Borrower -Borrower (Seal) (Seal) -Borrower -Borrower [S4n Original 0*1 BAL017516 MULTMATE BALLOON A ABLE RATA &L1BOR S MIX AS IJ 8 A L} „ Fp1A1 N94 of4 y Borrower Initials BALLOON ADDENDUM TO ADJUSTABLE RATE NOTE YOOR LOAN SAS A BALLOON FEATURB. THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MtWr REPAY THE XNTnM PRINCIPAL BALANCE OP TBE LOAN AND UNPAID INPERBST TBBVDUB. LamintiSUNDERNOOBLIGATIONTOREFINANCET8$LOANATTEATT'UaL YOU WILL, TEBREFORR, BERZQU1 RXB TO MAIZ PAYMENT OUT OF OTHZR ASSETS THAT YOU MAY OWN OR YOU WILL HAVE TO MD A LENDER, WR ICH MAY 112 THE LENDER YOU HAVE THIS LO" WITB, WHdAVOTO LEND YOU T HZ MONEY. lm YOU RZFRfANM TBIS LOAN AT ' MATURITY YOU MAY HAVE TO PAYSOMB OR ALL ON THE CLOSING COM NORMALLY ?D WITS A NEW LOAN raNYF YOII OBTAIN REFINANCING $ROMTim SAME This addeadum Is made sod is incorporated into and dammed b graced and supplement the AcUustoble Rate Balloon Noto of the canoe date. Tbeproparty covered by this addendum is described in the Seaadty Instru nad end located at 1 I I HOLLY DR, MSPHANICS13MG, PA 17055, AMENDED PROVISIONS To the extant that the provisions of this Balloon Addendum to the Adjusteble Rate Balloon Note ("Balloon Addoduntto amtaconsheoutwith theprovWorooftheSecurity InslmmentWWordieNote, Onprovisions of this Balloon A?m to Now dull prevail over and dud supersede say such hucorudstmtprovidons of the Security Iroomasnt e0dlor the Noss. For v? received. read In Ithha pt andlolsuto>llaienay of whlh are hereby acknowledged, Section 4 (CD of the Note is 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANCES (C) Calculation al'Changes Payments will be woodland over a 50 yearperiod, which is c4od the "Amortization Padod." Bofase each Change Date, thoNot , Holder will calculate my new interest nto by addtng 3S50 peroentma points ( %) to the Current led= The Note Holder will then round the result of tble addition to the avarest ono-olghdu ofone paceet a polar (0.125%). Subject to the limits stated below, this mended amount wlll be my new intorestaRountil ants hengeDate. Afteny choap as the ?lwtereR cote a result of sloe a4lu:tatde rate Aratu=NNoto Holder will detenaia , the amount of Ypq'row. Tbamoutblypaymeotwillbehuanammmt tto MywmatdmduoeWaoding PriWIW balance of the Note over the mmeiniog term of On Arnotdzadon ?wind in equal monthly payments. BY sigaiug bolo I (We) accept and agree to the torus god covenants contained in this BalloonAddemdum to Note. 3 -? Date Borrower Date SCOTT CHAYMAN Borrower Date Borrower , Date otrcwer Data Bwtowar - Date Form-war Date Borrower Date MIS". BAL017516 - - asap 1 0 !1 V ADDENDUM TO NOTE PREPAYMENT PENALTY CHARGE THIS Prepayment Penalty Addendum is made this Tuesday of March 27, 2007, and is inowporated into and shall be deemed to emend and at"lemmt (1) that certain Mortgage, Daed of Treat or Security Deed (the "Security Instrument of the same dote grvan by the Borrower, as trustor or mortgagor, in favor of BNC MORTGAGE, INC., A D0WAR>Z CORPORATION ("Leader"), as bene>ioiary or gee, and (ir?,that cartsin ptvaiaory note (the "Note' of the sazrre date executed by Boaowx is Svor of Leader o the extent t8at the provLiont of this capaymaat A Bum (the "Addeadum'? are inoorreistant with the provisioaa of dre Security Imtrnmont and/or the Nei, the provialara of this Pmpaymeat Note shell prsvelh over and alrel! supersede any ancb incousistont provlsiona of the Security Instrument and/or the Note. For value received, the receipt and sufficiency of which are hereby acknowledged, Section 5 of the Note is amended to read in Its entirety as follows: "S. BORROWER'S RIGHT TO PREPAY; PRBPAYMENT CHARGE I have the right to make payments of Principal at any time before they are due. A payment of Prnaipal only is knottm as a "Prepayment." When I palm a Prepayment I will tell the Note Holder in writingg that l am doing so. I may not designate a payment as a Prepayment if I have not made all the m:=ypayments due under theNottr. If I zukka s partial P? thefe will be no changes in the due date or in the amount of my monthly payment unless the l+toHolder agmae in writing ro dww chuWoL If within Twenty-ibur ( 24 ) months after the date of execution of the Security Instrument (as defined below) I make a full Prepayment or partial Prepayment(s), I will at the same time pay to the Note Holder a Prepayment charge equal to six (6) months' a ante interest on the amount of the Prepayment that when added to all other amounts prepaid during the 12-month period immediately preoediai¢ the date of the Prepayment, exceeds twenty perraat (20A) of the original Principal amount of this Note." By signing below, I (We) accept and agree to the terms and covenants contained in this Prepayment Penalty Addendum. Borrower Borrower SCOTT CHAPMAN Borrower Borrower Borrower Borrower Borrower Borrower MW*.Uu(Aq.uawe) BAL017516 Mpoaoa ¦.? I APPLICATION NUMBER: BORROWER'S NAME: BORROWER'S ADDRESS: PAY TO THE ORDER OP: CHAPMAN, SCOTT 111 HOLLY DR MECHANICSBURG, PA 17055 ALLONGE TO NOTE • WITHOUT RECOURSE BN- C MORTGAGE, INC. A-a e-f BRIAN ROSS VICE PRESIDENT «g„ 04-15-'09 15:3? FROM- R}.1-IiI-LVYD VL.4&jM 'yr/I W' O'llu Psma By, Rooms To: T-741 P0008/0029 F I -.A 111 r.uuvYLa r-IYY ?pE° Ort GLER gar°cA: D „,,, E' ? WRPR 11 PR IZ ZQ . i R°com R Repast To. Y o FqQ d a. CL M03406 10apaYsetNoTY $uft 700 Cwq "it NJ !'81FC1 Na4i1?; 18561 alou Iii smiz 0M, 1 xcmm, IL .370'35 Allpt7'adrLo??le9? MOR i GAOE DBAIpATi0at3 _ ', . Dc Wart teed is mo b: ncrioet of a& &;V a M. hAIOW and aWor riaado dt&md AW*W 3,11, I3. It W tad 21. Cando Wks ie6im 6 Wa MW Rf welds aed In *b doootmot ace dw pied lo ft *m 16. (V %edo * Ioppnttavde ? dolt doammmt, vthick it dad 16Nz'e b 27, 2007 wpbw wh6 d RWm Ot? ft dommoo . BUM= is do moetgtaot moot ft 8aa * Tt?emo. Jo 4=r to Moetp6a Demo* Relwwt w ftwoo. Iet. 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MA 00/100 DAM (OA 9;75,275.00 ) pia ieteeeet: Down My 0 pombad w pry !trim debt btWdw Pmiodie PW=Mb mdt is pW rim debut fA Wt Idff dM ArQdl 1, 2097 (" -h P+'t7" mm do FWMIJ *9 b eeMUFAd brow mdoe OW -Tmmh r of 1100 to die bnft (M 4W Muss die debt evidmmd by to NaW pion idmax, my pmpprmmt 1 1 ,sad bye don= OW WJW ft 11006 Md A Oft da Hadar tort &Mky lemnmttat. pint Oett. Mrr ? d by Dwrom W 0 O [? ? eaeeupd by Ho WWK. The feOWIDj Mafgibi4 RM Rider Qwwmdaiam Rwcrr ?ftWROMRMW edboo0 Rider PIMOWd $dt In . Ji ptoeDC Rid. 3-4P mdlY Rider VA Rohr gi?eetdy P?mm AId. Omww tqmdw pcweyY t eaeatbt Riftr -Ap able I.we maama ett ooh ww*b *0e2L am iad bowl aamw, '' ~ - ord;ameeee tali tdmitiaemtlvs?et mdd amdett biw tla etmcc d b? a vai; >s aN bl1. 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TIM OOZY= WMVAM ' aomtiaM tadiko n asaaaaau for mma?d vas mi non os eaeeaaott w? neaftad v? by a t?oofdtlAM a talitrols ?6 ? l1LMU M COVER&M's. eouvwa aad Lo du a a im a yr and glee as lAim m L YtOaavaeI d' Madpdk b*na a Brcrort Book PAN 0 wd fXMRM god Leda Dow"* dadt PW.ia doe *a piadpd iff. asd ies+im a% d» i t dvdivaoed by des Nap so oy I I I I , rt d*W ad bwe d=W do dtr oa Naae, Sonoovvr dot doe py *06 AIr VlMV ? XM polow a amdam 3.1'rpsmm do Cadet dts MM tmd dib ? ?teINR /wl[ be Bob in 0.8. mRvmw. guarac if mm shookardhotbdmae Momb ed byXmWw=pgwWvsW dm No iM 06 $ooedp Immmotat is seaamod m Ls:daagdd, Lwvdw my mgsim sa fo r a an mommopm p + dw eadd• oe Nm wd dvi. Seo.dgr IWlomsa be aside bt om or mom d ib lenosame ftim, u adwW ly Lm ft Coq cMk M momw aft An sadb d droop, book d od; women d ba cmmwg V!P aep mxb do* b down apse a idoWn ubm dgmft hdoad apeey. . oreow. OF60 mmmraia141e0a'ftilpfer. t(ieNoteetu P4rmtq m doea W raoaitrod bt Lender TAM 01`011 ' at Ile bIldlm 4e.?aaaevtis ? smoda IS. =6 **w b?ovadom a mq be doatpamd by Laeft is smadaese wa doe mdor pjwLNao L=ier soy aom mqr prom ae pad* popow K on pvpom or p" pq"seraa .. bod5dw to btAd qvs Lae ? Laodtr amy saoopt argt papavaat ar psdY p? faaarikier b tid.t dIS Last S46 Mt wdvw a< ay SI bwmbt a p polw oe in d0ft a sells w*I midlwt z Ps" . - pa?etMa o dhe lYtetos, bot I,vavder b eat oWpaN?i IralPb asdt pvpotaMav ac Cava Ivor altla< eaa"L !f Moo laviods >'tpavvap k applied as of No s6d ded do vAw dot left pPod'3iK humnawood foftGsdwsmbdimxkvmrfmAwkudleson1?rM1Mt?p%ft dta Ltaa waved. ifeom t I doe moot de ao arW4 a teeaoasUd porbvi attbva. Lawler abtU d w q* sovo Horde or mm dam so, 8o aftm. N ax apiiiad aadise, stab tab into "Ode dm anllmv v I It aI bdowe cedar oat Note icy pia to lmado om No oft or elan wid* borpm On Nm mod lhb M oft bmmme or p knaing coveaffift moo yv m* m aeMW byrby'dvia hoWhy bL,buom dNUortim of Pbmaah W $oM*. rapt m odvatrdas deeaibed in Ada & aft 2, M PWMM Now" sod vp&d by Leodm do bf Amw is no *Ibwft mdot Mpdodip W hood da ask doe. Nola: M paisoipd dae woo du Nob; Cq smooch dw fMM goo= 1. a* pps eaten be vppibd to aa* P, 1= fe ?V11al Is du ardor In vAddo it become dae, AW aemtda a VMM dams be 499 fbaa m Iwe dmw. "cost w a w O&w amaa* dace mdet ob & Mdw Tmdcdsteolt. ad than m al/noe the peboiMli balatw a[ m.liaao. it IMdor taodvaa s patmaet >loom Hmorser foot a daiiq ud FMaM; v1pood WM* ioalaiar' a the tree dallo, amm gm aove P atoso raym d it aataae ag, LNO*r arvy mprj IMW Prfmm *VW *Mww to doe i is 31 m it of ft ?ado* fgwM V, of to dto nest Aso, a* payno Wr.r ftyealrwt"Oum nw.rr.e reasawe im 04-15-'09 15:38 FROM- T-741 P0812/0029 F-463 Apr-tYYUUN uc%44pm rrw- - "- 1-041 r v1 Vui0 r-ru4 as be paid in AdL To d1a mast tlrt wy mow ad= dlat ft pqumt im vplW w me hit pgmat of 0011 or wAs A I-A PapmMo. al* tattoo aW be ag$W w my hta dmW due. Yo OWO peptidraaas 16111 b'tigdled dot da aq pltprNatltit ?0 0wd datm a dtyotme0 ie doe I+tata. AV WOW= of p*Mft iramale poooi, at paaeeia Is ptadpd doe eater die rim *A as con d apattpom do do OW or tiaepe 0 mmmwt of ft P*iWk IyyMaft 3. IlWA be Z 1 0 DML Iiaeamltr MR pq a Lads co tb 40 19,11, 0 Pq=mb on doe =der dm IW US tbl lim b ptU in hk a ram No'Pa mbo) to po dio lac pepmmtt of wartmla du liar: 00 um ad mummum std qim lom v63tit eaa mutt pdo ft amt *b leoudq Ibtttam of a a Sm or eeaamiearee as ik p* I - (b) Iort6oid pa oms or pool no on do hopsm . it op, 04 I - I for aq and A imaaa mgdW by I.endtc aoiw mdm 3: at (d) bkgppe Iupmaee psemi?+. It eq, or mw aroma Palos by soneae oe leader hi on of tbo I j d IDfeaptpe by xmo pmdame io aomdme Ida Ote povLiatw of Socdioa 10. Thm b mW ota tailed Mom ftmL' At mWoodw w at mW time dmiq dte lent of the IAA Leader my mq o duo Comomoky Apacbdm Dual. Pea, red Amo&mo6 It mW. be nmowed by Bormwer, and." doe, i m tad aieemmet molt be a< Saew hwLBasrraar 00 paopif !roam b I oOK on, i I of m , v, -1 w be paid u ft dais tea. Itm mr dam pay I -d- be Poo is Main mm maiaa LaoW vebtnr Eoaww'f oilbpdW 1o pq dw Ptatab hr nay or a0 bbmm bmt. Leader raq weft Htaowe'r oblipdm ti pq to ImWw.Pma or aq ar alt lum m btmo at my amt Aaq ata* weer mq air be is wdi ft b doe total of mohi -vtt4 bipaatFec dm§ pW dielody, sim and s? I pq *K to mom doe bfor MV blmars bw hr sma poem of Ptaadtltm %m wdeedby Lvada ere. M Letadr mow d" D=M io La+edtr meebpts exit " I =*.I I w1A? rah time pdod a Lanalarrip Bcn*MAte'e o d*dm to =do wti6 pq=M ad 0 pprlde =m* ft ,ball In dt prtpaaa be exceed w boa mllaoat ad Met e1eYi?i9a iit'>o:eaitlpr Iltduaat, a dw pints %wmw rod 4mow it toad is ftWm? 9. It Notoooev ft `d•ie per Ibc elt I1mv dbeedys pwnuwmt;o a WOM std ftmm r to 10 pq tie mm" doe !at as >itm0itr am. Lmft ww mproira ip dot1 wm v%p 9 and M aerh IpdO m ad Datowat *0 dam be oft" raft &cft I to n" to Loft myrori anoat. L Nft may ertraiot tie rdra It to rq m A 3a+nv mm is my 6ae W a wades plnm is aeootftm 1ft S cdm IS wai. "m aa* renoomWo. ft mm *0 ply io Lamia A bold% and In oelt aaami% Out as lima egabae "dw No 9eetioa & laWwaaq, at or des. oeileat add bated Paadt jam amaaa W ad0tlaaa to peak lAndw to tppiy tom PaW at dN tints rpedtielt order WW4 and p) not to mood to mdoii no= a bodor co aelpabe =Or F"& Loader Ad dachas *a o mm of P" due on dte baait of omreat On ord reawaaW os*o <m of awmgAm of Maas Iamn - hems or comsim bb eaoerdmw vAb AppVoft Law. ", IAPA?10eon1At p we d ie Fbm tam Inn 04-15-`09 15:38 FRM- APr-15-2809 D2:35PM From- - T-741 P0813/0029 F-46? --1-901' C.UILJYGO r-rua I, Awn be pld ca So Poede. L a dw dW give to DomDWbr WO M dMW M aoesal tooa? of die Pt ab as aspw yu*A. v am b a tladlltt al I" bdd in cit , ee: m ddlod moot XWA. Ladw dm aooaom in Hamsvwas fm tb d oett hodt bt taootdtatt so 12920 r 6m b w of be& bald be MM. a aafaad r??'A. LcadtC ebd sod[7' >? as tiagrleed bD' »A. e.t Hoavam abaci pg ? 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Heooetss a ? s aorlwao ebaads dnr a add elate tint Y realer npoetd>g mviee seed by Y.aoder is ooalueak4 odde ddb Lord S prepat4? loomosa. lloalOela[ did bq the bapmv maob pea whft at >tat dw aneton oa Ore PRPmW harmed spur lam by Rah, ktpada'bedgded s illliw Iba eras ?datdad aovta-.' tad mw atba bmaads Loladb& bat not limbed ro. atefMqua U ad OOede. Son whbb 1AWN UqAbgl batmoe, M& iOamapea 90 bo mdadmed b rile mamma (iadeft aadmdbta berth rod O c em peededa ow Laden nokmL. V/hK Letedar n qWm p ontm to Ow pome ft mom== on dwp dow the tam of ate Lap. '17msapremc+ moire poovidrs` ?/ imttae (bell be eiplee y bat'nooaa ao?•ac m F.eoder`e d* to dimppeova DM WW2 d miee, vhisb XW *d apt ba en<etd W smpnmaW. Leader aoy "Vim Boaeovr w Pq'. 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Datum adoaowled{eo dtac t o aoet eti tb lee xwo oorwap is ei C dared the oos at formes twat Liotaoabr aitdd haws aaaderi. Aq? tueasrm rlobeeaad b3 Laoritraarter dtie 9eetioa S idl bow= odtddod debt o[Bonetat aa't - ' by alb ie l Isaeetotsat. sSrea s?ooeae +? beer barsee ile, wi0t t 6ttsllt, epos readae Stem 17se I enle bola the d a t e o f dllaaemeat sad s b r l l be D i m L?etr b)faneattat agaeeda6 AA boenme padiads axpiod by Iaadec sad le.sirols atE aatab poiitiw a? ba rttli?oea ro I?odat`a to dieappaere and pedldet, AS blob a a m&W a1ttgW dtema, ad dW irtmM Tinder so morfppe eedlor m m Aidi d I= pltyee. LA.der AW assts the aiaitt b boa! tba pewro m d m" wed6osa o. r Latdee s m- A as a>teb pawpdy ?w to LatoOeQ ati moalpae of paid pt amt p A &ad & H inn - 4 mt deft mlr loam of by oomwo% sot odesvita s br L OAK tar dm mp W. w dattnaift GC we Pmpay. sad pdky ate isoiodo a aUWW dnb Od abatl am Lradw m soeWBN aaftr n m widdoad trees prpw. In the amt of b W Dmsswar dAll plea pON" BMW ae fee ioeeaaoe ouia and Yeedat: ld dsr . yap' htrmow pasesedt. m sbyaa ttdlss?yaalp b wmo vw estgedsW W v 4WW 09 be applied m Mond" or SW* of" pap M, Bate pllbadas cc b aeesomi ggy faid* eed L,*mkft so aft b sae Itssapdd. D "mpeb: altd =mud= PWA Loft dttalbsos 60 *W 0 bold aab isarseoe I i P 1 dt b1d ao appeeaoolq 1rs lmpeaC Draft ' b steam ? W* ho bas omrwd b' atltlaii?lat, P tbet emi?iaepo?tfam &A be =&tt lan Oda pump" Loft mq dhbowe pm=mb hr ebe srpaittr we ndoa ist ?ir c ? of propels poa'mem u the wenlt it UW40red. U11oa11r ai/w%w i+seoear m be paid on sad iararroee ItroaaMd, Lsdet am sot U nsepttad to m Dos, ' a w bemett or W=isp m sash. psoonda Fier bet p *rw a*oW% oe atto[ OW pudea, =MbW by urmw sbdi not be p" ow of tin bssereea ptvatede lw *A bl the sole of mm mw. ff tbs ssmratioaa or segtelt at avt eamomioalb 6wiNs apt Ise11r'a anoelebl ? ba ieeroeed. tba ? promm& dteil be WHO b On now amd by ttw Ssuekip Mxvm & lbod t or we &a doe, wkb to =aesa. It ony. petd m Bontrwes Stteb haeroaoe ptaa+ode abm be b the radar' primed lbr is .%ad= Z. It Bestom shmam ox raepwW* s?aaq m® ass. 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B ipOppNCr<?i pdacipd ?? for at hers[ a.p 7ar a? !i~ Q;r atlas laoiet odmdw span bt wdb& slick maaapt *A mt but as p1 141 , or 7tdM wommedo eitrnsanaoq axbt stick on bpj=d Dosoaces eommol_ ?_ pttaaattWty U*de aatd Pfaataisa of Ida Psapatlp; boapodhm MUWM aM8 eat demoy, dmop or hgmk tits hapsatty, arrow do Puptty to Aaaotsaaae or oowmh mm m the Property. WhAer or oat Bouaw is W is do Pwpeay. sonvl dug sanatoria the f gwny is otWw to pmmt Asa PrrpmW loam dmiartinp at ome tB is vdm due a In oaaddoL Ulna it it doundi ed pmlamt m dmdm S list mp* err radottfdott h sot R - b -lb' fboibb.11-m sr dmV paoaop0 p spat the Ptapettpr d dbmWd m a?a d lambw dawdomllaa ar mmadr. If imao mw at madsooaiwt pmeoadr at pdd bt oompdim V16 dmw 04 a an oft e4 do Pmprsb. MAWRrII be tai m" ft mpddag or nu W* to hqpo *dy it L NAw late ttttfwod Poem* hr sera purpous. 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Any notice, is mmum" by La deter. booft N AV Ord y ab dowd oboes bom fib ? mft App m LAWAppiiaaMk Lm?y 16e aoutopomdb takNr this 1L Gem 1"; D?lae of combsom lbio ftm MINE w rovva I by 611" low ad op bw an pddladova Taft do l?ty? b 1oubm= ?.dd omeriaad b< dlda Lrmeat av to aeX agdo.soaft ood of law. Appdmbte La a# oar a -i - paaW to rev oowtact ar it br rent, bas - aeeaa sot be aooraaoe asa pwli MMoa y?fet opootu?at t doYiou. o 40 eV ....? Arie ?I *..rivle of 166 areas 1Qawaonaat ut roe at lr ...w Darr, rAh odd ft dol got ON adw ge ai amoft ar ft mm ow be smaa efeta uldm o m ooa!lo W% At wed Is 1bh sift a W o we* ?roov a* do OM m bebwo oorsrtr rwedr dr tiamde of f 14r LewWlobr dr, red vW wow; mod (a) dte mW *M' Sim oo b daod, 4 *Mw aat abliprdm to -1L.. Tzoodior of[.rptirpr. eoerowe abdt bss Stnn.as copy ac tbr?i.?:rxal?ol'31tt e?eoaec. -- Raope>4 w a xmmm d htm of la Donno tt is *Aden lit 'bloat ia to ?> t4/ Meped ar btodi d Hunt is fibs Mat aR >iaiioed te. Ims blar/oii e?wolemrd la: boos tie lord, ooatnrt for ierd? otdrt Oaemtaa ar eeaew•?eevrw. oae irtss d'iMds 1r 1bo toaei?s ritltlr Drverrr of a fetws day ao aprrohtlrsc. H m ar soy pmts d be, tie or q Mdveula da is cold arfoovaxtld (r?ocwrra Is +wc a erdacoL pea,ea and it Ms¦art Ir Draorrer it odd or tvarlooe 'Ntioret Lubt's pour ogvwk. Iaoder s or aeaio !v¦edids I in g s is f* at AN atslt SoMW by dear S mr' hNNOWvt. IkMVW, db optioa d mW as ba oooetdred by I.+ Ww it w& tomicho is by 8 Le dw is agho fide opoi0a. XeWw dell 8aea m ode of ioadmioL Z3e aotioe AAA poo+rida a of mie.l.r ibis !o a" doom tarn do olden k AN aumdon vAlk s is rridds Banta m gnat in sow "sent! 1r *b e>a afwnstot. per brae arm prmr tQ t>ta of *A# p4efRd. Loader may taraloe mew t pewimet by S ?Ieca?rvart?idMlrom MINIMeardirwrErsDvao?raG aotWa oa r t!. 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A ps?saot odltlevi)ad ?!'1e lovoAla sa a "Aepgateat" W1r>aaIataiov a Aat Y,?rlll tei tLeNoaHoMittieM?ldtl eatdaitl?aoiatgaaadeoipltpJ<petmmtas • pa?ryrmaotiflbawt>ac made.o tLe ??ir4aoees des eadeT tLeNoa. IfI mice v pettW >Pegy?aot?t, dsgta vd6 tie ao ehee{w b the dir doe or la the +aaauot of ati? toaaddb?pt?cettttntLlva thellote ib mvm $t wilt to doom If wllhio eMW&-tour (24 j meat6a foam die dM admmiPd is dtdu Smft teaoveeear, I teatov a ? Y3eyeya?t arpeetLtllmpgtmmtt(d. I rrW ac>ha pvae tllev psr 0o dm Nvev Rdderaivepaymvat eLatPapal toe6c (Qi mmbr' ad ad. iotmopit eua the Mmamb putbod ateiy peeedht: doe ddv diLba Piat4e atooeda erealy MN ot*A NWW Pth>Oiltd oeatelteflltbl Note." Pap i an ?cl -5 9 102 04-15-'09 15:43 FROM- T-741 P@028/0029 F-4?3 nr+ cvua ??.?i+m ryum- - - l-58f P.OIf/O[B F?T06 '.. s BY d9ft (bolm. I (Wo) mempt and agm to the mm sad wvom nse coamiOed in Oi. H-'Oomoarar 8CMC'SAPIUNf .. _ ?bObwmwt?nslbrAdaorMd?meW t c 1:1; is !:1 Cui;;bcdurl;; Ourq %Y, A t J- ^( 5 PW2 oft ?r r.. -. ...rte •? ? {?. 15:44 F.FDM- T-74" F100-2?i CA ? - ; i-:a, P.l2?5/GN F-7iL FTDE.Lrff NA110NAL T`IT'LE IN NCE COMPANY REVISED SCHEDULE G DESCRIPT1ON Fill Com aliment , CGcI ALL THAT CERTAIN LOT, PARCEL OR TRACT OF .LAND, AND THE IMPROVEIM%T$ THEREW LYING AND BEING 'IN THE TOWNSHIP OF LIPPER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WT: BEGINNING AT A POINT IN THE S411 fNERN LINE OF HOLLY DRIVE (mi) FEET WIDQ, WHICH SAID POINT is IN THE DIVISION LINE BETWEEN LOT NOS. 80 ARID 81 ON THE HEREINAFTER MENTIONED PLAN OF LOTS: THENCE ALONG THE SOUTHERN LINE OF HOLLY DRIVE, NORTH 65 DEGREEES, 2+4 MINUTES 40 SECONDS EAST, NINM (90) FEET TO A POINT IN THE DMSION LINE BETWEEN LOT N= 61 AND 82 ON SAID PLAN: THENCE ALONG THE DIVISION Link dti WI:tNI LETS NO& 51 AND 82, 3OUTH1 24 DEGREES 35 MINUTES 20 SECONDS EAST, ONE HUNDRED SIXTY-SEVEN AND THIRTY THRM ONE- HUNDREDTHS (167.33) FEET TO A POINT; THENCE SOUTH 67 DEGREI-S 40 MINUTES 15 SECONDS WEST, NINETY AND SEVEN ONE-HUNDREDTHS (90.07) FEET TO A POINT IN THE d? ASJON LINE BETWEEN LOT NOS. 80 AND 81 ON SAID PLAN, AFOREMENTIONED: THENCE ALONG THE DIVISION LINE BETWEEN LOT NOS. 00 AND 81, NORTH 24 DEGREES 35 MINUTES 20 SECONDS WEST, ONE HL94DRED SIXTY-THREE AND SEVENTY-8GHT ONE HUNDREDTHS (163.78) FEET TO A POINT IN THE SOUTHERN UNC OF HOLLY DKIYe, AFOMMACNTIONCD, AT TI IC POINY AND PLACQ OF 2201t•INING_ 90fiG'LOT NO. 81 IN THE PLAN OF SPRING RUN ACRES, SECTION 5-REVISED, WHICH SAID PLAN! IS RECORDED IN THE CIJI1± ERLAND COUNTY RECORDER'S OFFICE IN PLAN 8001E 20, AT PAGE 67. THE IMPROVEMENTS THEREON BEING KNOWN AS N0.111 HOLLY DRIVE, MECHAMICSBURG, PENNSYLVANIA 17055. BEING KNOWN? AS PARCEL # 42-28.221474 - ` Being the same Land and premises conveyed unto Richard Domey and Susan Augustine, hUlstrW and by deed ftzrn Evelyn M, Dorsey, singlea"individual, dated January 15, 2Da4, recorded January 16, 2004 in beecl Book 281, Page1480 in the Cumberland County Office of the Recorder of Deeds Being the same land and premises Coweyed Unto Richard Dorsey and Susan Dorsey by deed from Mahard Dorsey and Susan AuguBttne, dated Deceniber 30, 2004, recorded March 3, 2005 In Deed Book 267. Page 3942 in the Cumberland County Office of the Recorder of Deeds. Being the same land. and premises conveyed unto Wells Fwgo Bank, N.A., as T'tustec by deed #rw R. Thomas Kline, Shw f# of the County of Cumberland, dated September 6, 2006, recorded September 29, 2{Il}a" In Deed Book 276, Page 4437 In the Cumberland County Office of the Recorder of Deeds. Property 42-28-2421-4174 BK .1 i•88PG ! 454 "C„ R )d, /I C Prepared By: Shapiro & DeNardo, LLC Return To: Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 610-278-6800 ext225 THE ABOVE SPACE FOR RECORDING USE ONLY ATTORNEY CODE: 00376 ASSIGNMENT OF MORTGAGE PENNSYLVANIA This ASSIGNMENT OF MORTGAGE is made and entered into as of this 31st day of JULY, 2007, from MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., whose address is 3300 SW 34 Avenue, Suite 101, Ocala, FL 34474, its successors and assigns, as nominee for BNC MORTGAGE, INC., its successors and assigns, ("Assignor) to WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-031, whose address is C/O Ocwen Loan Servicing,LLC, 1661 Worthington Road, Suite 100, West Palm Beach, Florida, 33409, ("Assignee"), for and in consideration of the sum of Ten Dollars ($10.00) and other good and valuable consideration, the receipt of which is acknowledged. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR BNC MORTGAGE, INC. does hereby assign all of its right, title and interest, as holder of, in, and to the following described mortgage, the property described and the indebtedness secured by the mortgage to the above referenced Assignee. Mortgagor: SCOTT CHAPMAN Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR BNC MORTGAGE, INC. Dated: MARCH 27, 2007 Amount: $173,375.00 Recorded: APRIL 11, 2007 County: CUMBERLAND Book: 1988 Page: 1473 Property Address: 111 HOLLY DRIVE, MECHANICSBURG, PA Together with the note or obligation described in the Mortgage endorsed to the Assignee, ("Note") and all moneys due and to become due on the Note and Mortgage, with interest. Assignee its successor, legal representation and assigns shall hold all rights under the Note and Mortgage forever, subject however, to the right and equity of redemption, if any, of the maker(s) of the mortgage, their heirs and assigns forever. Assignor, by its appropriate corporate officers, has executed and sealed with its corporate seal this Assignment of Mortgage on this 9TH day of JUNE, 2009. 617-6 55,566 ATTEST: Name: Kevin M. ackson Title: Assistant Secretary STATE OF FLORIDA ) )SS COUNTY OF PALM BEACH ) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR BNC MORTGAGE, INC. Name: Scott Anderson Title: Vice President BE IT REMEMBERED, that on this 9TH day of JUNE, 2009, before me, the subscriber, a Notary Public personally appeared Scott Anderson, Vice President and Kevin M. Jackson, the Assistant Secretary of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR BNC MORTGAGE, INC., who I am satisfied are the persons who signed the within instrument and they acknowledged that they signed, sealed with the corporate seal and delivered the same as such officers aforesaid, and that the within instrument is the voluntary act and deed of such corporation made by virtue of a Resolution of its Ba hectors. NOTARY WBUC-STATB OF FLORIDA «. Laticia N. Arias ` Commission #DD737904 Notary Public .,!r.Expire,,: NOV 29, 2011 soxnlin rxxo Aztnxric e ornata ca, IIt4 I hereby`clrtify the addreW of the Assignee Is: When reco?ded return to: Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 c/o Ocwen Loan Servicing,LLC 1661 Worthington Road, Suite 100 West Palm Beach, Florida, 33409 Phone Number. 561-682-8835 Mit MERS Ph. Prepared by: Maria Alvarez Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 Phone Number: 561-682-8835 ALLONGE BORROWERS: SCOTT CHAPMAN PRESENTOWNER AND HOLDER: BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC. NOTE EXECUTION DATE : MARCH 27, 2007 NOTE AMOUNT: $173,375.00 This allonge shall be annexed to the original Note (or to a copy of the Note with a Lost Note Affidavit if the original cannot be located), referenced above for purposes of transferring same from the present Owner and Holder of the Note, BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC. ("Transferor") as of the date set forth below. As a result of said transfer, BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC. , has no further interest in the Note. Date: JUNE 09, 2009 Pay to the order of WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORIaORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OSI, without recourse, representation or warranty express or implied this 9TH day of JUNE, 2009. BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, L.L.C. BY ITS ATTORNEY-IN-FACT OCWEN LOAN VICING, LLC By: Name: Kevin M. Jac on Title: Manager The effective date of the allonge is JULY 31, 2007. 04-15-'09 15:44 FROM- 'P1 - "-- V1 -40"N rf uirr T-741 P0029/0029 F-460 T-537 P.028/020 F-T05 FMEI.ITX NATIONAL TffLE INSURANCE COMPANY REVISED SCHEDULE C DESCRIPTION File N< Commitment N, Client ALL THAT CERTAIN LOT, PARCEL OR TRACT OF LAND, AND THE IMPROVEMENTS THEREON. LYING AND BRING IN THE TOWNSHIP OF UPPER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE (50 FEET WIDE), WHICH SAID POINT 13 IN THE DIVISION LINE BETWEEN LOT NOS, 80 AND 81 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE ALOW THE SOUTHERN LINE OF HOLLY DRIVE, NORTH 85 DEGREES 24 NUT IF.S 40 SECONDS BUT, NINETY (90) FEET TO A POINT IN THE DIVISION LINE BETWEEN LOT NOS. In AND 82 ON SAID PLAN. THENCE ALONG THE DIVISION LINt tit l VVht;N LM6 trO$I 51 AM St, OOUTH 24 DEGREW 35 MINUTES 20 SECONDS EAST. ONE HUNDRED SIXTY-SEVIIN AND THIRTY-THRO OmE- HUNCREDTHS (167,33) FEET TO A POINT; THENCE SOUTH 67 DEGREE'S 40 MINUTES 15 SECONDS WOST, NINETY AND SEVEN ONE-HUNDREDTHS (90.07) FEET TO A POINT IN THE AIVI M LINE BEWt-EN LOT NOS, 80 AND 81 ON SAID PLAN, AFOREMENTIONED; THENCE ALONG THE DIVISION LINE BETWEEN LOT NOS. 60 AND 81, NORTH 24 DMEES 36 MINUTES 20 SECONDS WEST, ONE HUNDRED SIXTY-THREE AND E#IEVENTY-EIGHT ONE-HUNDREDTHS (183.78) FEET TO A POINT IN THE SOUTHERN UNC OF HOLLY DRIYe, AFOREMCNTIONCb, AT TI IC r'OIN AND PLACE OF NMGINNIWG RXdNB LOT NO. 81 IN THE PLAN OF $PRINS RUN ACRES. SECTION 5-REVISED, WHICH SAID PLAN IS RECORDW IN 711E CUMWRLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 20, AT PAGe 67. THE IMPROVEMENTS THEREON BEING KNOWN AS NO. 111 HOLLY DRIVE, MFCHANICSSURG, PENNSYLVANIA 17055. BEING KNOWN AS PARCEL W 42-28-242"74 Being the same land end premises conveyed unto Richard Dorsey and Susan Augustine, husband and wife by defied from Evelyn M, Dorsey, single Individual, dated January 15, 2004, recorded January 16, 2004 in Deed Book 2131. Page1480 in the Cumberland County Office of the Recorder of Deeds. Being the same land and premises Conveyed unto Richard Dorsey and Susan Dorsey by dNd from Richard Dorsey and Susan Augustine, dated Deaefter 30, 20D4, recorded MIarch 3, 2008 In Reed Book 267. Page 3942 in the Cumberland County Office of the Recorder of Deeds, Saing the same land and premises conveyed unto Wells Fargo Bank, N.A., as Trustee by deed from 1;1 Thomas Kline, Sheriff of the County of Cumberland, dated September 6, 2008, recor4od September 29, 2000 In Deed Book 2711, Page 4437 In the Cumberland County Office of the Recorder of Deeds. Propv*y Part*[ Number 42-28-2421-074 BK19-88PG 1.4`94 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200921271 Recorded On 6/23/2009 At 10:36:03 AM * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 46638 User ID - KW * Mortgagor - CHAPMAN, SCOTT * Mortgagee - STRUCTURED ASSET SECURITIES CORE * Customer - SHAPIRO & DENARDO LLC * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $37.00 I Certify this to be recorded in Cumberland County PA RECORDER OF Il S * Total Pages - 5 Certification Page DO NOT DETACH This page is now part of this legal document. * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. GAL 11111111#11111111111 «p„ SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY LD. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY LD. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ILANA ZION, ESQ., ATTORNEY T.D. NO. 87137 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the ; registered holders of Structured Asset ; Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI ; PLAINTIFF ' VS. Scott Chapman ; 111 Holly Drive ; Mechanicsburg, PA 17055 DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09 - 322 COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE i - -.. C (7 nn1VZ (-? YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CI.AL1413 SET FORTH''IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITH[N TWENTY (20) DAYS AFTER TMS COMPLAINT AND NOTICE ARE SERVED, BY BNTERUiG A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FU ING IN WRITING WITH THR COURT YOURDEFENSES OR OBJECTIONS TO THE CLAM SET FORTH AGAINST YOU. YOU ARE WARN THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAYBE ZNT$RED AGAI YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR $OR ANY OTHER CLAIM ORRRI FREQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR'OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKETHIS PAPER TOYOURLAWYERAT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE ORNO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTE EMMG TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, LISTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA N07Il3CACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES ALAS DEMANDAS EN COMItAI DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMAIRA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTMCACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO ALA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 7847 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 LESLIE RASE, ESQ., ATTORNEY LD. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, NJL, as Trustee for the ; registered holders of Structured Asset Securities Corporation Mortgage Pass- ; Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 ; DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSL the address of which is, 1661 Worthington Road; Suite 100, P.O. Box 24737, West Palm Beach, Florida 33415, brings this action of mortgage foreclosure upon the following cause of action: Mortgagee: Mortgage Electronic Registration Systems, Inc., as Nominee for BNC Mortgage, Inc. Mortgagor(s): Scott Chapman (b) Date of M_ o_ rte: March 27, 2007 (c) Place and Date of Record of Mortaaae: Recorder of Deeds Cumberland County Mortgage Book 1988, Page 1473 Date: April 11, 2007 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(8). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor. Mortgage Electronic Registration Systems, Inc as nominee for BNC Mortgage Inc Assignee: Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 111 Holly Drive, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B". 5. The name and mailing address of the Defendant is: Scott Chapman, 111 Holly Drive, Mechanicsburg, PA 17055 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. other charges stated below, all as authorized by the Mortgage, are due as of December 1, 2008 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of May 16, 2009: Principal Balance Due Interest Currently Due and Owing at .825" o From November 1, 2008 to May 16, 2009 Late Charges Escrow Advances NSF Check Fee Appraisal Fees Property Inspection SuspenscWhapplied Balance Title Search Cost Attorney Fees & Costs of Foreclosure $173,155.30 $9,182.17 $1,215.67 $6,167.23 $85.00 $111.00 $31.50 ($1,110.88) $250.00 $5,000.00 $194,086.99 9. Interest accrues at a per diem rate of $46.61 each day after May 16, 2009, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 1 I. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L.1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: N I Q, og rneys for Plain AffiT S & D File No. 09-035350 04-15-19 15:37 FROM- nYI-I?-`cyn(Lua 4L.acw rluu- BY: T-741 P0608/0029 F-463 ---- rvar.uulruaa r-.va Me,FR 3 OF. ,R?Eo 1091 n rz zo I AUR 1M Mc, ? Racoroi pattsD Tp, ?0(Z'f Qtl a. . Cd C1E3-lS86 1111ftesdrnoe Abattsot A Titls t1pr MW Krenw„y M.6 s pa +I " ? gnu Plod Nalubw, ? 1 S S 7 P. iii nmw Da, ? , p7l . 39055 L e?T+MSf cs?es bu ADow 7lY e ? MOR1 "(w DJ??dTfOJNJt ____-- - wol* Wed in Mdd* aocdo.s Of mit dw meat w?e6iad below and OdW rFmda in daJhad in xZd*0i !, I;. 13. Ik 20 aad 21. Ceatda tales 8. the tuap of wbpb esad in mb doenoeent an do pawbw is Tatdos 16. (A) %madiy IImltvp=O amain dde doNmeai. which it dated Leh 27 r 2007 , torter vMk all Ridart 0 d6 doocu= C. " " bKMwa" is Sam CM M ". Bummer it dot modp w sndet ft SWA4 bat*AI*t. 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I WM ry ft sm m"T of MY stew Mu" peyGWA 1?,iaata= as the *9 matt* pttymem dam after the MOUP Rats m4 the unwaot of my aamaypo" mttt>ti Nee * m Hod" Of Maatw Tie Nos R9kWvA ddiiar or atatl tp =a sober of aay a "Ps i? my Jt ow tab) and *Sam" of ply =wWpaltoetr Wbm the aftbdive &m of or amp Ma nodes Witt Ltsbala inf etiatt sngwod bylaw to bo OM V as ad " On No sad mJ*ho" mbar of a paten %&a MM sunvor any @tO&D 1 tray bw the sodas. S. TRAM= D]r-vM lROY'ISlYf1f flit AB AL ' )N t®o¢WOwn LJdIb17a Gbreaeat f s of she ftosuri?y Ia4+tmsos b atnaadsd to aead a listbrm *XU&r.of fits Y gWiy er a p=sl•fs&949 m I1MVWaK A; ieaed is d* t3eadoa lf. 'Jn4Py+? fa. tae i'+oDett?' a"+tr?MY: as;! ,fbiv s'ti'r . ., brlodiK. bet aoEl?ited m. sense baas8aiat 41? tan?md is a band sf aa+0. teaosat lbr ,.. dad. iaMeWseettattes eaworeu or eaatuw a?aeawat. ? ir?'eataf wltbh b Ws ismtsr dtt?da by eoaronesratalhnns datato a ptaetiaaat: Ifniort yrgofatePeopaaoraaprbUwWisMpbap"bseidCUMONsaeodOWU .BotaOW b rot a =ant pson sad a beaAM ham Is Beaowar is a" ec trRRAINN ) W16tontL.eada'apdat vsiomt?oavemt.I,oabzrtsttysrlabeierrosdlatepayae?tiaildtafallatltaor soaaaad by 06 fisaeciiQ? Io krone et. $ewsYer. dds op" "sat be armwW h y Leader if sashe>oesoMbp ubIbitedbyAppfrabtoL . IIIARO s amoiwa tbia optics. I.eada shall pira Borrower =60 of aeodoa. 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Haase ,?. rna ar.r z.?, ...ua ? ieoayotetad talc .>,d .w N e?. ?,> ? do tt SfV6 gpbtseot'dtm mwgw , DW OrT=K or t wxkp Deed (ft news* W do wdddpod rbmrw q a a- - - aww aft Ag1o !top A* (am -Mace") w MCSIONaGAOMEtC,Ab "VFAXZCOMPORInW ("i mdear°7 aa[t6e ataao dw sad aovaaw tis paopec?jf deWow is dar 9oood4? Ia 1t etid !seated at us ?Z? nm. w0tc:'?? rA rre? Tbdoaad"dntdrptorojr?worAOr nUdwP)w*iwomdftatW&tbv - Pow= ofonlooWwl?rerastred?r f orermd ldtnil avper+dd• mf twc4 p`ar oiidtM Seea?p?10ap a 6041% Forrdw aaodrod, tbtl w siM naos!'ofrY6ieD asslw?b9 s?opd. s of no N" is momw to teaa lata ,u AOf m&. thus tlae tro tatb oiY>da d at wW Owbetoce daq ere due. A paywatotjmR*daedylr to w" at s!Aapgrl+meat.• Wrrtl ttteitrs?lrg+tyamel t. YrovW wDdaNoatlOWitvAftdtat2metdo?wi yraotldtltdpNettpt?eeetwa preapayanetd'i swusaroctordeafi the wto.ddrlmM? duasaaldettLe Hole. i[I ao.,aea a pattW ?gadaal, d? ? 1s luo +elao?w io die dpa data or to tba ataouot ofm!?Pery?mtracaalea daMote>ioldas' ageet ? 1Yt3? t0 tLas ?w6a• jfwWsWmmW4W (24 ) ometLa twm t$a dato ?a:eoatibe etdr. t;e ? imm* amlt, i unlit, sldl3yayytaaaat orD 1*0 K aM anus time pey toown* Noidma2toPAyaalwa ouWaralbtak(4 meewa*^*w otMttttoatbe i2-seasftsottiodiaman?rto?pt?ooedi? dtad+oe afdta?aptq?me?.?e t?+b paaeamt (10ly etdw oeigtml armudtet?af Note." Matta 1 on A.RI Y 04-15-'09 15:43 FROM- T-741 P0028/0029 F-463 nr? cirvo W-16-Id ri up - '- i'b3f r.azriaza F-106 by SPAii ice. I (We) oMO Md WN to dw tmu eta WVMw% cavainod in Ibis der. -- ($mebObWUrgNrtDNttlaorkd?wl) ::i Cu?;,Lctlu?i Coarry PA ? s f v l aALGIMC Pop 2 oft - - y 15:41- T-741 POK(_9100_29 F-463 0415 F01 riuc- FfDX.L ' NATIONAL TTIt.'LE INSURANCE COWANY REVISED SCHEDULE I DESCRIPTION Pao N RGEi OR TRACT OF Commibnent 4 Chant No, rc,?[1r.,a,:?.yrpwu?, vww•sw ...v..w ..-.....__........... ?._., _- __..._. __. BI`GINN04G AT A POINT it4 TI4E SOUT ERN LINE OF KOLLWOW ftw {m Fe€T .VA00. V1tRm SAID P ONT. Is tN -t-HO t1i1 iS10N. ?13?1E E]1N EN LOT BIOS. W AND $ ( HE`Ft?INAF"?i?. I?EI+17 I?460 VI AN O ,NtJT` 640 Lf7Ts, T4 At, IG`TN>= Sfl41THEEtN. LMlE OF HOLLY PRIVE NO.RtH l#5 C.tCGR? 24 htI S.€CQNIhS T,: ?9aj EI 1 to A MNr IN THE 0M8ICH UNE ft .. e.EN LO NCS 61 A.W.042 ON sAID P1AI .. tH LONG THE DIVISIO LrH>: n?I??w>*tr? 1.am i,1Da, al Arve+ a¢: uni 24 .`lY8E1/et?l AND TIiIR'tYT}iSt . r4-qm's as. WNVMT,20° 6t:.GONDS WT, ONE HUNDAW S0 LINC Of HOLLY: M)M- Ar0ftW iCNTA0IJGD, AT 1,73 ,G f'VINT ^Nw. ewi.w& wp,- .wm%wivx?,rvw. ?e• ? e. • w. ?. 811N'?HI OLAN L?F lit` G RUN A S. SECT1pN $-RENIS€0,.1NHtGH SAib PLAN *.1S RECt M IN.THE CUMSERLARD CO & EEL&O}3DlA'S OFFICE tiV PLAN BOOK 20,,kT PA0V 67. TH>r fMPROVEMENTS TH1=REON BEING'KNOV1 N AS NO. 111 11OLLY611NE W5CHP,1+tICSBURC, POINSYLVANIA'f705£. BEING KNOWN AS PAFLG`EL *42:28&2421474 Heing the samv fiwcl ahd premises cotrt/eyad unto fthurd'C3orsey and Susan Augustlhe, husbvW and wlfe.by deed from Evalj+ii tVt t?brA9y, sltl;Pe lneivtdual, Wed January 15, 2004,.recbWe4 Jantrary AS, 2004 in geed. Rook 261, P0061466 In:the OurntiptW County office of the Reorder of needs Being the same: land dnd ;pretrilsas conveyed t nta. Rkthard Dorsey and $u.mn Dam.ey by d? from Fzvdwd Dorsey, nd Su0m Augub*e, dated DOaB*tW 30, 2M,.reorded Match 3.1005 In Deed Soak 257. Page 3942 in the CtyMnerbrnd0.0 10t4c:6 of %3 Recorder of Ddads. Being the same tEnd end preMlses cofttreyed unto Wells Fa gs: Bank, N.A., as "IM#er 1}y deed, trot F i i?wms mber` 29: 200, in Deed Kttrie. Slteirif t>Af the Count of Cumberland, dated Sepietn3rer 6, 2006, recorded Septa Book 279, Pttge 44'17 >n h Cistr.blk* .. C3 ntYO* ce or the Pteorder of news, PMp#Ky PJ3rcel Number 424A-2421.074 €3K -1 -9.5 8'PG ! 4'9 4 - ---------------- -." WNW name so r ?- 3128/2007 11:48 PM PAGE 40/057 ix Server EALWON NOT$ (AdJtttlabte Rate) (L®OR Six-Month M cm (As PdMdxd In The al! We&Jbw7m -hats Caps) M LOAN X PAYASLY IN Mi AT ttA19Rl1Y. YOU MM RVAY TBS 7tt= PQII mAL, $ALANCS Or Ties LOMB AND•WRALD inra ST TAxN DUY. Lm m x MOM NO O8L1fL?" TO RZMMCS TO LOAN AT TEAT 7VAL YOU WILL, TE1CMDR& 21 FJ QM= TO KUM TAYKINI OVT 41 07MOt AN= TRIIT YOU KAY OWN, OR YOO WB,L BAYS TO Im A mm IY?L'l; MAY DE 799 LWOU YOU $AVX I= LOAN W M V=MU TO LUM YOV TSB ilOlM. IF YOU ! 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Mw lntmg sat wgabW by dds Seedaa Z and SOWM S Oftds Note b tbs aft I WM pry both bdwa and aflrs say dedAdt daaothat io Seolba 7? ottbb Note. 3. PAYAB= ?T4rs rod Phew of Ptyma4ls . Iwllprypdo*dandii[W*by=tags psym dway'doah I sell malm my mow* pgwm an tba Sat day of gaol wm& bad an Moy I, SM . I wig mats ampgaaett mWmooludI brvspoW al atlbaprbdpal ad5tbaoetod ary ad[erebapa dasalbai bdow Ibat I my owamdwVWs HpW Stab twadypq tot wil ba appUad a of bs aSadWad 4ke dqs anal wlll be oppiiad b iataew Wwo Priratpd. 0. m Ape$1. 2037. I MM Ows amouoa undw &ls WOK I Vil pay 600 mumtsiorolmdmtdo*vbkbiso0 dOa94embyDW Itallatdssaspensadttypaya?areet Ct>.a8oma11oweaLLC,Aepuplo?aeirl?raaaeA[p,Dopt 360,P.O.Bm614yM4CoMmbLa,111;49254 oratsdiffatutpbra<itrogo4tdbyOwNoteRoWa. B+xli oftry 6ddsimoatblypsytawts alit ba h On amort orLJ 9, S 114M,24 . 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A payawat of hbwpw a* is kaoam asa "I'npaymaat." Wbm Imaba aPnpgnaikl WM bd meNMBDMw fawrlft mdI sm doittp so. I mgr sot &w pm" a ptgmaat" s Prepgms a HI Lave sot made 81 do now* pgmmw doe msdsr ms Itoa. I ag mwba a IA Plstpaymad orpordd PrWyamp wid m pspft a w Pnpgsnt dome. 7La Nos Holder will an a w Prapoyamb b ndtme the worst afPrh>obd mat I owe aedw ft Nos. Bowatw. dte Nos Anlds a7 gPPb' at9 ?p+y? m ma aaaaad sad mgaid httasat oa me Preptpwieet smorat bairn gplybrs my Prapgaam t b ndma do Prbdpd tsars of mis Note. If I =sloe a peeps! Prspsymmt, mme wX be m MI rx 11 met cle- o csw. BonoarvLiwb ,X - _,_.,,, ._-, 0 dsaps is the data dabs of ay mooddy peymasts wire ma?W Hotdor apxs to wrlbag to those abaape Hfy pau pwygmww rep taboo the omoadt of nor moooft psymmis after the fiat Cbma a Date hPoariag my paid PrepaymmL However ray nduodom doe to my perdd Prepayment may be of ft by an burst me h=Wme. 6. LOAN CBARM Ifs hma, whisk a vr= l odds Jost and wbieh ooh aaadmm loot 'l g is tlrsily tala,pested so theme iuseer or odme haft dmpe eociiied or to be aotleated to *&wmom with ibis tom mood do permiow limb„ tttttsa (a) n9' ansb bsss ehssp eWl6s redtssd by the ameotrumttoeaary tti rsdttas the dterp oo the patalas8 !? d (b) wsaw dmoVeoDa W Lam me met esaedpmwJW JWbwill be tadmdad b me.Volo gBoldr aq dmwe b melee me rafted bynde A $ the natal ' l owe fader mb Nob ar by matcios s d pmt p Wmmt b are. Ifa re6mdsedaosaPdaoipai, tEue etdootloa wi6 be Yeabd a apattid Ptepeymeot 7.3102ROMMI TOJAYA3RZQMFJO {? Late cmatsa for Overdae TttTmsmts do ads( 15 win dwdip sfwtbeddb A 4 des,Iv E payshb ehoW b tttsMaRaider.Ilse mmow of the obo=e wilt be 6 % ofmty ovadoopaya of ofprb*d mW iatemst, I wM pay thin Wo ahoiie peatatptty but only aooe as seah tats t *-G11L iO DatatOt IfI do uotitey tlm tai(atmoeat of" mombiypgmmtan dw derv it is duo, i will be is dcfiwX (gTlefise atDehott Ifl as In dohW4 6a Netssaider may send ms a wdamuwioa telitag ae that U1 do Mpay the ovadw amtovmt by a amain daft, fibs Nob BoWar my aegdm ms to py himusWaly do !eft snow dPrbvadptE mtd ho met bma paid and A me hotel tbet I owe da Oft smotmt. MW date man be at imt 30 days afiw dw date as wbbb On saaiae IS ceded to me or Od varad by odor deem (0) No WOMBY Nbte Bawer Emig at • lima wbea T m b de6esJS, tbs PJole Iloldardsa aot require ae ro pry immedFecaFy is fhil u deesibed above, aka No*Satdar VO almLsva tlterlpbtto do so ii7 a maim defmh at s later time. (Jh P""U t a[Pbb BoudeW grab add Yspmva Ir 00 Nob Holder boe-npWd m. a ply immedW* W W m described mbeva, Me Note Helder will have m zW b be paid boot by as for aL of ft web en4 mgmm In w6rehg mb Note to the rawest mac ,31h ad by appitaebbhtw. '!boas eapaaete btdW% f r esampb, rasumws atlomeW feud. Val- nwucsltgt Jaw wgt(m a dtffitaaatme&K my mates mat mvK be Om b m alder tMs Nola wm be sivas W daliadeg it or by maTog it by fat oho wait b me st the Prap,rty Addmu *-a" or ac a dWxat addtea if t 91vm tbeNab Rolhradetbe ofaty dltfaeaa address. 17wm an Now Holder mgalne a dMb'W = 64 avy nhoo tau moot be Shoes to the Nob Bolder ender dds Nob vA be Om Iq m dlq It by Scat sku =A to ate Note Holder at dm addrow anted In Smd m 3(A) sbeve orate dtltmmt okb w ill age given amodasofthat dUhma added. >ti QBI.IGb?IIO]M8 OF>!1 (AVD)<Q 1ffis 1V0'fJ1: If smars ame oar Iwaoa aloe m6 Nob, -6 Pftm is flsw mad pstama* ob6gabd to lmep an of dw peeW- 'WW k Ob 4^ hsobdbg ms peoadN» Pat' the hD amoral owed. Aay p8ww who h s paws g meat ar atdasaer GEib t Nab b Wn obVaaW b ds *m &h*L Azf p, -wbetune ova dear ob1piloob Imphoift" ttste4yorsadocasrof EdfPfoee, is eMo obllgae6/ mtcap s9 aftbspeaaatsee mds is thb Neb. Iles Note Bolder may e-0Ita Its rib b Odor ah mm gpbm sash pains hwhi6wly or spiM aII ofw toplba. 1SJe memos rest my ate efm may bompabW to pay a6 of Eta ermosab owed antler this Notre. ta1C1Me `Y? w...t.ra Batvowalmitiab 'C,- - 10. WAIVM I and a w adwr pawns who bas obl4odoos vada Ws Nob waive tie A&M of Ptaaaaaeat mdNodoe of Didawic nNommumo' enema Ow t WA a isph dw Nob ROJdar b demand gaymeat Of satoma dva ?Naito OfDi one moms the dw to regoiea OaNoea Folder a pve make to ofimpom m 60 smooft elms haw vat boa Paid. 1L Dl'1?07D'I s 14078 • 'Ibis Noce is a mi6oon =*mamt wA limited vadadom In some ems. In addition b Ote psotwduas Sivas to dw Nob ]ODider miler dds Notr6 a Mufpape. Dad of TWK or Jldwdey Dad Me, Tow W bwom WI dead On saw dab as No Noes, paotsoh die Nine S *W ft s poubb lava. 69 mW re aft If I de Dot keep ma prambu tint I wlm is d* Nob. That amadiy uWasaut eaaadbat low saa wider wlat aadbiami I mabs rwlabvd a sins iamodtab pgsoat is M of aO mm sa I me tinder tbb Nob. Sons of Ova ooadMoov tad sa Move: Tramfa of The Psopsty w a BaadW d lament is 8awrv ow As sad h alb SeadaD ll. % aass iadr Paptga was any bpi m b=W%W hater is i pmatty. im?bft mot halbd to, tbov DaanAetai b>ewmb OV&I ttnd in a bond for deed, "*W fee aria, iamMOmat aalw owb tt at eoroa apaoavK the Jtrtmt otwbM b Quo ' -1 of dde by 8ahvner at s fatma dabs a pxvhn L TfaO aaoypattottbaPtOparq?oraglaerMtin dtePsdperq/L sold orbltavOmed for VaOftweris ANa named piasa.aad abw@&W lotaott in Bawwor Is sold cc W10vat I,aats4 pdas verAimtt OaaaC Lander maps mgaba h eswa b pgmest in gm of all soma UWAW by Oda Saoadty ]annwa" Rmvewsq pelt opiba " sot be numbed by Leader if ash asasiao is psoMbv^ted byApple" Love. If Lando cavol ae Ihs apdoa, Leader dog Siva Dwm w aoda of aooeimadoa 1lte satka ahaGprorlao ¦ period o[aa7avs qss 30 days Sts Ikea dab &0 Dodge is shim In aoaosasaoe vrbia Smilim 15 *Wo ntlmb Baaotser asst pep d aams mowed by We Sm wlgr k vft wL If9eabgmr delta b pay 6- mama palm to ass sap WqO or 6b pound, LeadA may kvoJor any Mao&= PWAR ad by Us Saeadty tatbamwt WM wit ftdw aodoe or demand m Botroaa wrnm HAt4Dts1 AND SBAL(S) OP.M 8 DNDBRSI(iHM CS-0 ?traWar 43oaoaror *cram ] -P"Q -0004 awl. Paeg'I of4 _ ?Lk Ocwen Loan Servicing, GGC s" JJi P.O. Box 785063 C C M E M Orlando, Florida 32878 3063 (Do not send corrrsponakAw or payments to the above address.) ?I A J -ww.OCMII.= March 01, 2009 Scott Chapman i 11 Holly Drive Mochanim utg, PA 17055-0000 VIA First Class Mail VIA Certified Mail (rctum raxipt rcquated) Certified Number: 71069017515125520579 Reference Code: 0902 Loan Number Property Address: I I I Holly Drive, Medw-desburg, PA 17055-0000 =_ ::... PLEASE SEE THE ENCLOSED DOCUMENT .1,1,?L yin IF DACTVU3 is cowrnrunication is from a debt c1 otterap trrg to tolled a debt; any injormaxion obtained wilt be used for !tort pr vpvse. However, if the debt is in acme banbv#o, or has been discharged through ba4puptcy, this communication is not intended as and does not constitute an attempt to collect a debt Ocwen Loan Servicing. c.t.C P.O. Bar 785063 Orlando. Florida 32878 -5063 o a w e (Do nor send correspondence or povrnews to the oboes address.) WV??Y.OCWEN.COM APPENDIX A March 01, 2004 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOMEFROM FORECLOSURE This is an olkial notk e that the moA¢aoe o n vnxr home is in dd'ault. and the lender intends to foredese. SRUML Igfarmatku about the na ture of the default is p rovided in the 221ched Rages. i- flOMJr?4' KEB:S MORTGAG E ASSIST ANCE PROGRAM (HEMAP) may be able to help to save your homy This Nod= orphins how the R mgram wo rks. To see If HEMAP tap help, vnu must 114EE T VITH 6 CONSUMER CREDIT COUNSELING AGENCY WITHIN TMRTY (301 DAYS OF THE DAT E OF THIS NOTICE. Tnke this Notice with Xgu wwhm you meet with the Counseling Agency, LA NOTMCACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS APECTA SU DERECHO A CONTINUAR VIVIENDO EN StfCASA-.SI NO COMPRENDE LL'CONTEMDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. UWED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLA'MADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIRSU HIPOTECA. HOMEOWNER'S NAME(S): Scott Chapman PROPERTY ADDRESS: i I 1 Holly Drive Mcchaniaburg, PA 17055-0000 LOAN ACCT. NO.: ORIGINAL LENDER BNC MORTGAGE, INC. CURRENT LENDERiSERVICER: OCWEN DACrPi.{3 77tis communication is from a debt collectw•. anejnpfii , to cnllect a debt. any information obtained will be used for that purpose. H~ er. if the debt is in actin bonkmptct: or 1xis bean discharged through bank uprry, ibis communication is not Intended as and dmv not conwittrte an attempt to catlect a debt Ocwen Loan Servicing, LLC P.O. Box 785063 Orlando, Florida 32878 4063 D C w { M (Do not send correspondence or payments to the above oddras.) V4'W W.QCWENs'` HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE-NUMB1LE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FOR ^Si E AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY RI:QiJIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FiNANCE AGENCY. pmpgaIt loud arc set faith at the end of this Notice It is only necessary to schedule one your lender Immadis of your Intentions. Advise APPLICATION FOIMQI1TGAQE ASSISTANCE - Your mortgage is In default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your d"efauh.) If you have tried and are unable to ;:. -resolve this probbaltyrillitthe lender, you have the right to apply for tinanciai-assistaaceifrom the Homeowner ls:Edrateucy tax- 'r. Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance- Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a emplek application to the Pennsylvania Housing Finance Agency. Your application MUST be riled or postmarked' within thirty (36) days of your faeedo-f ee meeting. YOU MU FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria estnblished by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requircruents set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency orits decision on your application. FOLLOWING PART OF THIS NOTICE IS ROR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you can still apply for Emergency Mortgage Assistance} DACT11.13 IVs communication is from a debt collector attempting to collect a debt. any information obtained will be rued for that purpose. However, if the debt is in octhY hankvptn, or had been discharged through bankruptcy, this communication is not intended as and dtoex not conrrinue tin ottempt to collect a debt CONM.R CREDIT COUN. BUNG AGENCI ES - if you meet with one of the consumer credit couosdiog agency listed at the end of tb@ notice, the lender may NOT take sedan against you for thirty (30) days after the date of this mating. 1t ----- Ocwen Loon Servicing, LLC P.O. Box 785063 FO' Orlando. Florida 31878 -5063 ocweM (Da not send correspondence or payments to the above address) N%'WN.QCWEN.C''nM NATURE OF IHE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: III Holly Drive, Mechanicsburg, PA 17055-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 4 payments in the amount of S 1,469.24 from December 01. 2Q29 through arch 01, 2009 DETAIL SUMMARY : Principal and lntcrest ................................. S5,720.% Intent Arn arage ..................................... $ 0.00 Escmw .................................................. S 156.00 Late Chang % ........................................... S1,001.14 Insufficient Funds ChwSe-% ........................... S85.00 Fos / Expenses ........................................ $ 222.00 Suspense Balance (CREDIT) ........................ $ 151.87 Interest Reserve Balance(CREDM ................ $ 0.00 TOTAL DUE .......................................... S7,033.23 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the dale of this notice BY PAYING TALE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 57,033.23, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pn)tts must be made either by Money Gram. Cashler's Check. Certified Check or Monty Order made 0,11Y1kk and sent to: OCWEN P.O. BOX 6440 - ?? CAROL STREAM=ft,?,f0I97-6440 IF YOU DO NOT CURE THE DEE14 UL'T - If you do not cure We default within THIRTY (30) DAYS of the date of this` Notice, the lender intends to exercise its rights to accelerate the Mgll s debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also Intends to instruct its attorneys to start legal action to foreclose upon your mortgaged lim IF THE MORTGAGE IS FORECLQS DE UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred cep to S50A0. However, if legal proceedings are started against you, you will have to pay all reasonable atternWt fees actually incurred by the leader even if they exceed $50.00, Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. I f you cure the default within the THIRTY 001 DAY perlRd. tl will not be mli0ired to pay attorn s fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFFS SALE If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, You still have the right to cure the default and nreudet rw ilmm " under the m age. Curing your default In the manner set forth in this notice will restorayour mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SAL , DATE - It is estimated that the earliest date that such a SheriW*Zale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sherifrs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. nAM1.r3 This conmunkation !s from a debt collector attempting to collect a debt,- any informat! on obtained will be usedfor that purpose. Howew. if the debt is In active banbupley or has been discharged through banbWxy, this communleation is not intended as and does not constitute an attempt to collect a debt Oewen Loan Servicing, t LC P.O. Baas 785063 Orlando. Florida 32878 -5063 OCWE" (Do not send correspondence or pmnnentc to she above address.) 1LVR'.0CWGN.G<7M HOW TO CONTACT THE SERVICER N eoar ofServicsr OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 334164737 Phone Number: 800-31 DA229 Fax Number. 407-7374300 Contact; Performing Collections Dept. EFFECT OF SHERIFF'S SALE - You should realize that a SheriWs Sale will end your ownership of the mortgaged property and your right to occupy It. If you continue to live in the property after the Sheriff's Sale, a lawsult to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE-(3)TIMUR!ANYCALENDAR YEAR.) -_ •»- - - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. DAta'lt.r3 This cotnnurruawlian is from a debt collector attempting to collect o debt; arry.tnfwv&ion (wined will be used for that purpose. Howemr, if the debt is in active bankruptcy or has been discharged through banbuptry, this communication is not intended as and does not constitute on attempt to collect a debt Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI v. Scott Chapman VERIFICATION The undersigned is Manager Oewen Loan Servicing, LLC on behalf of Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI and as such is familiar with the records of said corporation, and being authorized to make this verification on behalfofPlaintiff an officer of the corporation, hd4y verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and comet to : the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of Wells Fargo Bank, N.A., as Trustee for the Certificates, Series 2007-OSI Name: M. Jackson Title: Mane LOAN NO: 40896193 09-035350 ,?E„ LAW OFFICE OF LESLIE DAVID JACOBSON BY: LESLIE D. JACOBSON, ESQUIRE, ATTORNEY I.D. NO.52673 8150 DERRY STREET SUITE A HARRISBURG, PA 17111 TELEPHONE : 717.909.5 8 5 8 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 CIVIL TERM ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE And now comes Defendant, Scott Chapman, by and through counsel, Leslie D. J Esquire, and offers the following averments in support of the Answer to Complaint in 11! Foreclosure: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. Admitted-. 6. Admitted. 7. Denied that the Mortgage is in default because the monthly installments of principal interest and other charges stated below and due as of December 1, 2008 have not bey paid and that consequently the whole principal is immediately due and payable. 8. Denied that the following amounts are due as of May 16, 2009: Principal Balance Due Interest Currently Due and Owing at 9.825% From November 1, 2008 to May 16, 2009 Late Charges Escrow Advances NSF Check Fee Appraisal Fees Property Inspection Suspense/Unapplied Balance Title Search Cost Attorney Fees & Costs of Foreclosure TOTAL $173,155.30 $9,182.17 $1,215.67 $6,167.23 $85.00 $111.00 $31.50 ($1,110.88) $250.00 5,000.00 $194,086.99 9. Denied that interest accrues at a per diem rate of $46.61 each day after May 16, 2009 that the debt remains unpaid. 10. Denied that the attorneys' fees set forth will be collected in the event of a third parry purchaser at Sheriff s sale and if the mortgage is reinstated prior to the sale that reasonable attorneys' fees are to be charged. 11. Admitted. WHEREFORE, Defendant respectfully requests that this Court enter judgment in favor Defendant and for any other relief deemed appropriate. NEW MATTER 13 12. Defendant did fall behind at the end of 2008 with his mortgage payments. He subsequently received an offer of a loan modification from Ocwen. Ocwen sent him loan modification agreement. (See Exhibit D.) According to the agreement, to accept the offer Mr. Chapman had to fax a signed co back to Ocwen together with the first payment of $998.01 on or before February 28, 2009. Mr. Chapman did so. (See Exhibit E.) This is now a novation of the original is olndmR on 14. Defendant has continued making payments as required under the loan modification agreement. 15. Defendant was notified that pursuant to the loan modification agreement he would be required to pay his homeowners insurance directly to the insurance company, which h has done also. 16. Defendant has requested that Plaintiff correct their records to reflect correctly the terms of the loan modification agreement. 17. Defendant has requested that Plaintiff take all steps necessary to see that all credit reporting services correctly reflect the current status of the loan and verify same to the undersigned. 18. Defendant has requested that Plaintiff cease and desist all collection efforts. 19. This action is barred by the doctrine of Novation. 20. This action is barred by the doctrine of Accord and Satisfaction. WHEREFORE, Defendant respectfully requests that this Court enter judgment in favor Defendant and for any other relief deemed appropriate. COUNTER CLAIM 21. The answers in Paragraphs 1- 20 are incorporated herein as though fully set forth. 22. Plaintiffs filing of this Mortgage Foreclosure is a breach of contract, which has damage to the Defendant. 23. By failing to correct Defendant's credit reports, Defendant has also been damaged thereby. 24. Because of the breach of Contract, Defendant has had to hire counsel, and defend this action at a cost of $2500.00 to date with continuing attorney's fees accruing. 25. Plaintiff's conduct is outrageous and is deserving of punitive damages. WHEREFORE the Defendant respectfully requests judgment in his favor for the amount 00.00 against Plaintiff, and punitive damages and any other relief deemed appropi Date: t Q LA FFICE OF LE c slie D. Jacobson, f150 tomey ID #52673 Derry Street Suite A Harrisburg, PA 17111 DAVID J for Defendant EXHIBIT D 10 WWW.OCWEN.CO o C W E W OCWENLoan Servicing, LLC Save your home AND lower your monthly payment! February 9, 2009 Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 Save your home AND lower your mortgage payment! Re: Loan No.: Property Address: 111 Holly Drive, Mechanicsburg, PA 17055 Dear Valued Customer. The U.S. Government has recently introduced many new programs designed to help homeowners like you who are struggling to make their monthly mortgage payments. Ocwen is not only cooperating with the Government, we are attempting to exceed expectations. In fact, this year alone our programs have helped over 40,000 homeowners in similar situations to yours to save their homes from foreclosure. How have we done this? By providing these customers modifications to their loan terms so that they could resume making payments - more importantly, payments they could afford. You may be wondering - "How can Ocwen help me?" You have been selected to receive a special "STREAMLINED LOAN MODIFICATION" that will lower your mortga payment. In fact, your new payment will be only $'998.01 per month, including your taxes and insurance if your account was previously escrowed. - This modification is permanent. The principal and interest portion of your mortgage payment will not increase. - You will not be charged any fees or costs related to this offer. ACT NOW because this offer is part of a specialized initiative program that ends on February 28, 2009. If this grey offer does not meet your financial situation, call us at 877-596-8580. There are other options that are part of this initiative program, but the KEY IS TO ACT NOW, because all of the options are tied to this initiative program, and i ends February 28, 2009. What you should do: the first month's payment. A loan modification changes the original terms of your mortgage, so please make sure read and understand all the new terms Make your initial payment in the amount of $998.01 by one of the following methods. Please reference your Oc% loan number. This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. NVRHL Ocwen Loa. _4umbe__ LOAN MODIFICATION AGREEMENT Ocwen Loan Servicing, LLC ("Ocwen") is offering you this Loan Modification Agreement ("Agreement'j, February 9, 2009 which modifies the terms of your home loan obligations as described in detail below- A- the Mortgage, Deed of Trust, or Security Deed (the "Mortgage"), dated and recorded in the public of Cumberland County, and B. the Note, of the same date and secured by the Mortgage, which covers the real and personal described in the Mortgage and defined therein as the "Property", located at 111 Holly Drive Mechanicsburg, PA 17055 Pursuant to our mutual agreement to modify your Note and Mortgage and in consideration of the conditions, and terms set forth below, the parties agree as follows: 1. You agree that the new principal balance due under your modified Note and the Mortgage will be $181,229.50. Upon modification, your Note will become contractually current; however fees and char r that were not included in this principal balance will be your responsibility. 2. You promise to make an initial down payment in the amount of $998.01 on or before February 28, 2 9, after which you will commence payments of principal and interest in the amount of $959.01 on Ap 1, 2009 and continuing on the 1 day of each succeeding month until 4/1/2037, at which time a final balloon payment in an amount equal to all remaining amounts under the Note and Modification will be due. 3. Upon Modification, the annual rate of interest charged on the unpaid principal balance of your loan wiq be converted to a fixed rate of 6.3500%. This rate will remain in effect until the maturity date of your loanj 4. Any payments due for taxes and insurance will be your responsibility m addition to the paymenj of principal and interest required under the terms of this modification. 5. You will comply with all other covenants, agreements, and requirements of your Mortgage, inclu ' g without limitation, the covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that you are obligated to make under the Mortgage, except as otherwise provided herein. 6. You understand and agree that (a) All the rights and remedies, stipulations, and conditions contained in your Mortgage relatin to default in the making of payments under the Mortgage will also apply to default in the makin of the modified payments hereunder. (b) All covenants, agreements, stipulations, and conditions in your Note and Mortgage will rema' in full force and effect, except as herein modified, and none of the your obligations or liabil ties under your Note and Mortgage will be diminished or released by any provisions hereof nor will this Agreement in any way impair, diminish, or affect any of Ocwen's rights under or remedi on your Note and Mortgage, whether such rights or remedies arise there under or by operation of w. Also, all rights of recourse to which Ocwen is presently entitled against any property or any er persons in any way obligated for, or liable on, your Note and Mortgage are expressly reserv by Ocwen. (c) Any expenses incurred in connection with the servicing of your loan, but not yet charged to our account as of the date of this Agreement, may be charged to your account after the date o this Agreement Page 1 of 2 Borrowers Initials c5L Ocwen --an Numb (d) You have no right of set-off or counterclaim, or any defense to the obligations of your Note or Mortgage. (e) Nothing in this Agreement will be understood or construed to be a satisfaction or release in or in part of your Note and Mortgage. W You agree to make and execute such other documents or papers as may be necessary or require? to effectuate the berms and conditions of this Agreement which, if approved and accepted by Oc will bind and inure to your heirs, executors, administrators, and assigns. (g) You understand that this agreement is legally binding and that it affects your rights. You cot that you have had the opportunity to obtain, independent legal counsel concerning this Agree and are signing this Agreement voluntarily and with full understanding of its contents meaning. 7. BY EXECUTING THIS MODIFICATION, YOU FOREVER IRREVOCABLY WAIVE A] 4D RELINQUISH ANY CLAIMS, ACTIONS OR CAUSES OF ACTION, STATUTE OF LI IITATIO S OR OTHER DEFENSES, COUNTERCLAIMS OR SETOFFS OF ANY KIND WHICH EXIST AS F THE DATE OF THIS MODIFICATION, WHETHER KNOWN OR UNKNOWN, WHICH YOU Y NOW OR HEREAFTER ASSERT IN CONNECTION WITH THE MAKING, CLOS G, ADMINISTRATION, COLLECTION OR THE ENFORCEMENT BY OCWEN OF THE LO DOCUMENTS, THIS MODIFICATION OR ANY OTHER RELATED AGREEMENTS. 8. BY EXECUTING THIS MODIFICATION, YOU IRREVOCABLY WAIVE ALL RIGHTS TO A TR] BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF RELATING TO THIS MODIFICATION AND ANY RELATED AGREEMENTS OR DOCUMENTS TRANSACTIONS CONTEMPLATED IN THIS MODIFICATIO ze?-1'4 ?- Ocwen Loan Servicing, LLC o w By. Borrower Page 2 of 2 Borrowers Initials 4z --- -- - ---- - Ocw,-- Loan Number. 4 MONEY GRAM OVERNIGHT DEUVERY BY PHONE Receive Code: 2355 Ocwen Loan Servicing, LLC Ocwen Loan Servicing, City: Orlando 1661 Worthington Rd, Suite 100 LLC State: FL West Palm Beach, FL 33409 877-596-8580 Loan Number: Attention: Modification Department In addition, please sign the enclosed agreement and send it via facsimile to 407-737-5693 or via mail to: Ocwen Loan Servicing, LLC Attention: Modification Department 1661 Worthington Rd. Suite 100 West Palm Beach, FL 33409 That's all you have to do to save your home AND improve your mortgage rate! If you have any questions at all regarding this offer, please call our Home Retention Department at 877-596-8580, and remember "Helping Homeowners is what we do." Regards, Ronald M. Faris President Borrowers Initials Oc?uen Loan Seri icing, LLC P. O. Box 785063 - - O G W E N Orlando, Florida 32878 -5063 (Do not send correspondence or payments to the above address.) February 9, 2009 Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 BALLOON DISCLOSURE Loan Number. Property Address: 111 Holly Drive Mechanicsburg, PA 17055 Dear Borrower (s): The loan modification which you have applied for contains a balloon provision. This means that even if you make all ayments full and on time, the loan will not be paid in full by the final payment date. A single balloon payment will be due and yable in full on 4/1/2037, provided all payments are made in accordance with the loan terms, and the interest rate does not cha ge for the entire loan term. The balloon payment may be more or less depending on your payment history, and, if you have i in adjustable rate mortgage, any interest rate changes that occur during the life of the loan. OCWEN, or any lender to ch your loan is transferred or assigned, is under no obligation to finance the amount of the balloon payment. The value of the real estate securing this loan may change during the term of the loan. On the date the balloon payment becomes due, the value of the real estate may not be sufficient to secure a w loan in an amount equal to the balloon payment. Uwe have read the above disclosure and acknowledge receiving a copy by signing below. Ocwen Loan Servicing, LLC Sco Chapman By: This communication is from a debt collector attempting to collect a debt; any information obtained will be used r that purpose. If you or your account are subject to a pending bankruptcy or your obligation referenced in this statement has been dischat d in banlncptc3:, this statement is for informal purposes onl1J and is not an attempt to collect a de . EXHIBIT E MoneyGmm.e, CUSTOMER COPY/COPIA DEL CLIENTS CITGO FOOD MART DU 1100 E SINPSON ST NECHANICSBURB, PENNSYLVANIA 17055 7177956960 ExpressPayment SEND/ENUIO 414397686101 Date/Fecha: 4/8/09 Time/Hors: 10:52 AN Sender Information Infornacidn de la persona envia SCOTT CHAPNAN Phone/Teidfono: 7175807026 Receiver Information Informaci6n de la peronna que recibe OCVEN LOAN SERVICING Account/Cuents: ****6193 Reference/Referencia# 90970843 Amount Transferred/ Cantidad del Envio 959.01 Fee/Cargos 9.95 Discount/Descuento 0.00 Total/Total 968.96 MimeyGram,41 CUSTOMER CORY/COPIA DEL CLIENTE CITGO FOOD MART DU 1100 E SIMPSON ST NECHANICSBURG, PENNSYLVANIA 17055 7177958960 ExpressPavment SEND/ENUIO 414397686101 Date/Fecha: 2/28/09 Time/Hare: 10:05 AN Sender Information Inforoaci6n de la persona envia SCOTT CHAPNAN Phone/Teldfano: 7175807026 Receiver Information Inforeacion de la persona qua recibe OCNEN LOAN SERVICING Account/Cuenta: ****6193 Reference/Referencia# 92464101 Amount Transferred/ Cantidad del Envio 998.01 Fee/Cargos 9.95 Discount/Descuento 0.00 Total/Total 1007.96 Transaction subject to terms and conditions on Noneyeram receipt holder. Transactions estbn suietes a Ins tArminas y condiciones impresos an el Porte-recibo de Noney6rem. Transaction subject to terms and conditions on NoneyOrem receipt holder. Transocciones estAn suietes a )as tOrminos y condiciones imPresas an el Porta-recibo de NoneyGrem. MoneyGram,,Jk CUSTUR COPY/CDPIA DEL CLIENTE CITGO FOOD MART DW 1100 E SINPSON ST NECHMICSBM. PENNSYLVANIA 17055 7177958950 ExpressPayment SENDIENUIO 414397586101 Date/Fecho: 5/5/09 Tioe/Nora: 2:53 PH Sender Information Informacion de la persona envia SCOTT CNAPNAN Phone/TelAfono: 7175807026 Receiver Information Informacion de la persona que recite OCYEN LOAN SERVICING Account/Cuente: ssss6193 Reference/Referencia# 85223868 Amount Transferred/ Cantidad del Envio 514.87 Fee/Cargos 9.85 Discount/Descuento 0.00 Total/Total 524.82 Transaction subject to tens and conditions on NoneyGras receipt holder. Transecciones estAn suietes a Tos tkninos y condiciones iMpresas an el Porte-recibo de NoneyBree. VERIFICATION I, Scott Chapman, do hereby verify that the facts stated in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 to unworn falsification to authorities. Date: ?1 0 By: Scott Chapman J LAW OFFICE OF LESLIE DAVID JACOBSON BY: LESLIE D. JACOBSON, ESQUIRE, ATTORNEY I.D. NO.52673 8150 DERRY STREET SUITE A HARRISBURG, PA 17111 TELEPHONE: 717.909.5858 Wells Fargo Bank, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Structured Asset CIVIL DIVISION Securities Corporation Mortgage Pass- CUMBERLAND COUNTY Through Certificates, Series 2007-OSI PLAINTIFF VS. NO: 09-3224 CIVIL TERM Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 CERTIFICATE OF SERVICE I, Elizabeth Rhoades, Legal Assistant, with the Law Offices of Leslie David Jacobson, hereby certify that I served a true and correct copy of the foregoing Answer To Complaint in Mortgage Foreclosure by depositing the same in the U.S. Mail, First Class, postage prepaid tc the following: Ms. 11ana Zion, Esquire Shapiro and DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Attorney for Defendant LAW OFFICES OF LESLIE D. JACOBSON Dated: ? f / 9 /61 y By: ?G otoq&-7 El' abeth Rhoades rt ?» SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. Scott Chapman DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY c NO: 09-3224 - ,v W PLAINTIFF'S REPLY NEW MATTER AND ANSWER TO COUNTERCLAIM Plaintiff, Wells Fargo Bank, N.A., as Trustee for the registered holders of Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, by through its attorneys, Shapiro & DeNardo, LLC, and hereby replies to the New Matter answers the Counterclaim of Defendant in accordance with the numbered paragraphs as Reply to New Matter 12. Admitted in part, denied in part. As stated in the Complaint, the loan J T Y. in default with the December 1, 2008 payment. Exhibit D attached to Defendant's Answer, New Matter and Counterclaim speaks for itself, and as such, any allegations referring thereto denied. 13. Denied. The Exhibits attached to the Defendant's New Matter speak themselves. Any remaining allegations in this paragraph constitute conclusions of law to no responses are required. for 14. Denied. Defendant failed to keep making payments to Plaintiff. 15. Denied. Defendant failed to maintain homeowner's insurance on the property is the subject of this mortgage foreclosure action. 16. Denied. Based on the records of Plaintiff, there is no indication said request made by Defendant. 17. Denied. Based on the records of Plaintiff, there is no indication said request made by Defendant. 18. Denied. Based on the records of Plaintiff, there is no indication said request i made by Defendant. 19. Denied as a conclusion of law to which no response is required. 20. Denied as a conclusion of law to which no response is required. Wherefore, Plaintiff respectfully requests Defendant's New Matter be dismissed. Answer to Counterclaim 21. No allegation of fact or law made. 22. Denied as a conclusion of law to which no response is required. 23. Denied as a conclusion of law to which no response is required. 24. Denied as a conclusion of law to which no response is required. 25. Denied as a conclusion of law to which no response is required. EFORE, Plaintiff respectfully requests Defendant's Counterclaim be denied. Respectfully submitted, SHAPIRO & DeNARDO, LLC BY. Christopher A. DeNardo, Esquire Attorney for Plaintiff VERIFICATION Christopher A. DeNardo, Esquire, hereby states he is the Attorney for the Plaintiff in action, he is authorized to make this Verification as the Plaintiff is outside the jurisdiction of Court and Plaintiffs verification could not be obtained with the time necessary to file pleading, and the statements made in the foregoing Plaintiff's Reply to New Matter and Ans, to Counterclaim are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. §4904 relating to unworn falsification to authorities. Christopher A. DeNardo, Esquire Dated: I/ A 6 -0 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF vs. Scott Chapman DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-3224 CERTIFICATE OF SERVICE I, Christopher A. DeNardo, Esquire, counsel for Plaintiff, hereby certify that November 20, 2009, a true and correct copy of the attached Plaintiffs Reply to New Matter Reply to Counterclaim was served by mailing same by regular mail, postage pre-paid, to: Leslie Jacobson, Esquire The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111 SHAPIRO & DeNARDO, LLC BY. Christopher A. DeNardo, Esquire Attorney for Plaintiff 09-035350 «G„ SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Structured Asset CUMBERLAND COUNTY Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI NO: 09-3224 PLAINTIFF VS. ; Scott Chapman DEFENDANT PLAINTIFF'S REQUEST FOR ADMISSIONS ADDRESSED TO THE DEFENDANT Scott Chapman Plaintiff, by its undersigned attorney, hereby serves the within Requests for Admissions upon Defendant above captioned pursuant to Pennsylvania Rule of Civil Procedure 4014(a). Each matter set forth herein after shall be deemed admitted unless you serve an answer or objection upon counsel for Plaintiff within thirty (30) days of the date of service hereof. You are requested to admit the following: 1. Defendant is the same individual who executed a Note to BNC Mortgage, Inc. on March 27, 2007 in the amount of $173,375.00. 2. Defendant is the same individual who executed a Mortgage to secure the above stated Note on March 27, 2007 in the amount of 173,375.00. 3. The above mentioned Note is secured by a Mortgage on real property situated at 111 Holly Drive, Mechanicsburg, PA 17055. 4. Defendant failed to make the monthly mortgage payment due on December 1, 2008. 5. Defendant has failed to make each and every monthly mortgage payment due and owing from December 1, 2008 on the obligation, which is the subject of this foreclosure litigation. 6. By failing to make the mortgage payment due on December 1, 2008 and thereafter, Defendant is in default of his contractual obligation under the mortgage. 7. Defendant has not tendered monies sufficient to cure full mortgage arrears on the delinquent account. 8. The figures set forth at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are correct and accurate. 9. The figures recited at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument. 10. The attorneys' fees as set forth in Paragraph 8 of Plaintiff s Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument. 11. The escrow advances are recoverable under the terms of the Mortgage instrument. 12. Defendant was sent Notice of Intention to Foreclosure on Mortgage pursuant to Act 6 of 1974 on or about March 1, 2009, copies of which are attached to the Complaint in Mortgage Foreclosure as Exhibits. 13. Defendant was sent Notice of Homeowners Emergency Assistance pursuant to Act 91 of 1983 on or about March 1, 2009, copies of which are attached to the Complaint in Mortgage Foreclosure as Exhibits. 14. The loan history attached hereto as Exhibit "A" is a true and accurate record of all payments made on the subject mortgage. 15. All payments made were properly credited on the loan history marked Exhibit "A" 16. Pursuant to the loan documentation, the interest rate is 9.825 % and thus interest accrues at a per diem rate of $46.61 for each day that the debt remains unpaid. 17. Defendant failed to return the February 9, 2009 executed loan modification agreement to Plaintiff on or before February 28, 2009. SHAPIRO & DENARDO, LLC BY: LESLIE J. RASE, ESQUIRE SHAPIRO & DENARDO, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 (Tel) (610) 278-6800 August 29, 2011 09-035350 O W O Q?o ? Q?QI300 G O O O O O O O w a > a 0 0 0 0 0 0 o 0 0 0 0 0 0 0 0 z z Z Z Z < < D D 'o y?y D T A _0 ? ? r r O Oo QQ?? ? ? 9 13 C+ N ? ? N QQ11 W tT ? E? Q? ppoo c m ? c o! ? o o ? ? 0 0 Z Z Z Z Z < 2 2 2 Z 2 o D v A -c D v D: v > -o m o D v a o v s v V O O O $ O p? O O ' p CD Cn -? 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'i 8 V g v $ y o0 J m 8 J Q. g J- ? 8 V N J SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-3224 Scott Chapman DEFENDANT(S) PLAINTIFFS REQUEST FOR PRODUCTION OF DOCUMENTS AND INTERROGATORIES ADDRESSED TO DEFENDANT SCOTT CHAPMAN TO: Scott Chapman c/o Leslie Jacobson, Esquire The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111 INSTRUCTIONS PLEASE TAKE NOTICE that you are hereby requested, pursuant to Pa. R.C.P. No. 4009, to produce the following, documents, writings, drawings, graphs, charts, photographs or other compilations of data or tangible items. The above items are to be produced for the purpose of inspecting, photographing and copying at the Office of Shapiro & DeNardo, LLC, 3600 !. r? Horizon Drive, Suite 150 - King of Prussia, PA 19406, on or before .?t,JVIDC. r 1 ?} , 2011. Please follow these instructions and definitions in responding to these Requests for Production. Any word or term, which is not defined in these instructions shall have its usual and customary meaning. a. When, after a thorough and reasonable investigation, it is not possible to obtain the requested document, or any part thereof, because of a lack of information available to you, specify in full and complete detail the reason the information is not available to you and what has been done to locate such information. In addition, specify where you believe the requested information may be found. b. If you assert a privilege, work product doctrine, or decline to provide a requested document based on some objection, please indicate the nature of the asserted privilege and the basis for it. Also provide a description of the nature and subject of the information withheld and identify every person to whom the information or document was sent or every person present when the communication was made. C. "Plaintiff' means Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI. For purposes of this set of Request for Production, "Defendant" means Scott Chapman. d. The pronoun "you" refers to the party or parties to whom these Requests for Production are addressed, the party's agents, representatives and, unless privileged, the party's attorney. Additionally, the pronoun "you" refers to each parent, predecessor, subsidiary, affiliate, and each present and former officer, employee, agent, representative, and attorney of a corporate or other business entity. e. "Document" means any writing of any kind, including written, recorded or graphic matter, however produced or reproduced. It includes all matters relate to or refer to in whole or in part of the subject referred to in any Request. If a document has been prepared in several copies or if additional copies have been made and the copies are not identical (or by reason or subsequent modification by the addition or notations or other modifications, copies are no longer identical) each non-identical copy is a separate "document." The term "document" includes, but is not limited to correspondence, personal and inter-office memoranda, notes, diaries, log books, statistics, letters, telegrams, minutes, contract, reports, studies, check statements, returns, receipts, summaries, pamphlets, books, inter-office communications, notations or memoranda or conversations, bulletins, printed matter, computer printouts, teletypes, invoices, recordings, worksheets, and all drafts, alterations, modifications, changes and/or amendments or any of the foregoing. "Document" also refers to any data stored by computer or any computer-data storage system. f "All documents" means every document as above defined known to you and every such document, which may be located or discovered by reasonable effort. g. The terms "possession," "custody," and "control" include the joint or several possessions, custody or control not only by the Defendant, but also by each and any person acting or purporting to act in concert with or on behalf of the Defendant whether as an agent, employee, attorney, accountant or otherwise. h. The word "person" means any natural individual in any capacity whatsoever or any entity or organization, including divisions, departments, or other units therein, and shall include without limitation a public or private corporation, partnership, joint venture, voluntary unincorporated association, organization, proprietorship, trust, state, government agency, commission, bureau or department. i. The term "communication" means any oral or written utterance, notation, or statement of any nature whatsoever between or among two or more persons, by or to whomever made, and including, without limitation, correspondence, documents, conversations, dialogues, discussions, interviews, consultations, agreements, and other understandings. j. If a Request or an aspect of these Requests appear ambiguous or if the Defendant needs further clarification, the Defendant should contact the Plaintiffs counsel immediately at the address or phone number above to obtain a clarification. REQUEST FOR PRODUCTION 1. If you deny that Defendant is the same individual who executed a Note to BNC Mortgage, Inc. on March 27, 2007 in the amount of $173,375.00, attach any documentation which supports your denial. 2. If you deny that Defendant is the same individual who executed a Mortgage to secure the above stated Note on March 27, 2007 in the amount of $173,375.00, attach any documentation which supports your denial. 3. If you deny that the above-mentioned Note is secured by a Mortgage on real property situated at 111 Holly Drive, Mechanicsburg, PA 17055, attach any documentation which supports your denial. 4. If you deny that Defendant failed to make the monthly mortgage payment due on December 1, 2008, attach any documentation which supports your denial. 5. If you deny that Defendant has failed to make each and every monthly mortgage payment due and owing from December 1, 2008 on the obligation which is the subject of this foreclosure litigation, attach any documentation which supports your denial. 6. If you deny that Defendant is in default of his contractual obligation under the mortgage by failing to make the mortgage payment due on December 1, 2008 and thereafter, attach any documentation which supports your denial. 7. If you deny that Defendant has not tendered monies sufficient to cure full mortgage arrears on the delinquent account, attach any documentation which supports your denial. 8. If you deny that the figures set forth at Paragraph 8 of Plaintiff s Complaint in Mortgage Foreclosure are correct and accurate, attach any documentation, which supports your denial. 9. If you deny that the figures recited at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument, attach any documentation, which supports your denial. 10. If you deny that the attorneys' fees as set forth in Paragraph 8 of Plaintiff s Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument, attach any documentation, which supports your denial. 11. If you deny that the escrow advances are recoverable under the terms of the Mortgage instrument, explain fully your basis and support the reasons for said denial. 12. If you deny that the escrow advances are recoverable under the terms of the Mortgage instrument, attach any documentation, which supports your denial. 13. If you deny that Defendant was sent a Notice of Homeowners Emergency Assistance pursuant to Act 91 of 1983 on or about March 1, 2009, attach any documentation which supports your denial. 14. If you deny that Defendant was sent a Notice of Intention to Foreclosure on Mortgage pursuant to Act 6 of 1974 on or about March 1, 2009, attach any documentation whi supports your denial. 15. Copies of cancelled checks (front and back) or other evidence of monthly payment having been made to the Mortgagee /Plaintiff in this action since December 1, 2008. 17. Copies of cancelled checks (front and back) or other proofs of monthly payment, which Defendant alleges were not properly credited to the subject account. 18. Copies of any and all documents upon which you rely in alleging that the total judgment amount as calculated by the Plaintiff in Paragraph 8 of the Plaintiffs Complaint is inaccurate or incorrect. 19. Copies of any and all documents relating to the negotiation and/or performance of any alleged agreements between the Defendant and the Plaintiff, which is the subject of this litigation. 20. Copies of any and all documents that demonstrate that the Defendant has not been given full and proper credit for all payment made. 21. Copies of any and all mortgage closing documents. 22. Copies of all documents identified in answers to interrogatories. 23. Copies of all documents that are alleged to establish that the Loan History attached as Exhibit "A" to the Request for Admissions fails to provide an accurate accounting of all payments made by Defendant. 24. Copies of all documents that Defendant has paid his homeowners insurance directly since December 1, 2008 to the present. 24. Copies of all documents Defendants intend to introduce at the trial of this matter. SHAPIRO & DENARDO, LLC BY: Leslie J. Rase, Esquire 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 (610) 278-6800 August 29, 2011 09-035350 ....................... ............... ... .................... . .............. ................... . SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Structured Asset CUMBERLAND COUNTY Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF NO: 09.3224 VS. Scott Chapman DEFENDANT(S) i INTERROGATORIES TO: Scott Chapman c/o Leslie Jacobson, Esquire The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111 INSTRUCTIONS PLEASE TAKE NOTICE that you are hereby required, pursuant to Pa. R.C.P. No. 4005 and No. 4006, to serve upon the undersigned the original and a copy of your answers and objections, if any, in writing and under oath to the following Interrogatories within thirty (30) days after service hereof. The answers shall be inserted in the space provided. If there is insufficient space to answer an Interrogatory, the remainder of the answer shall follow as a supplemental sheet. These Interrogatories shall be deemed to be continuing in nature, in accordance with the Pa. R.C.P. No. 4007.4, as amended. If between the time of filing your original answers to these Interrogatories and the time of trial in this matter, you or anyone acting on your behalf learn of the existence of discoverable facts or the identity of persons expected to be called as witnesses at trial not disclosed in your answers, or if you or an expert witness obtain information upon the basis of which you or he know that an answer was incorrect when made, or know that an answer that was correct when made is no longer true, or if you obtain or learn of additional information requested, but not supplied in your answers, then you shall promptly furnish a supplemental answer under oath, including such information thereafter acquired, to the undersigned. Please follow the following instructions and definitions in answering this set of Interrogatories. Any word or term, which is not defined in these instructions shall have its usual and customary meaning. a. Each of these Interrogatories shall be answered separately and completely in writing in the space provided. Use additional sheets if the room provided is not sufficient. The answers shall be signed and verified by the person making them. Objections, if any, shall be signed by the attorney making them. b. Where knowledge or information in the possession of a party is requested, such a request includes knowledge of the party's agents, employees, servants, officers, directors, accountants, attorneys (unless privileged), or other persons acting or purporting to act on behalf of the parry to whom these Interrogatories are addressed. C. When, after a thorough and reasonable investigation, it is not possible to answer an Interrogatory, or any part thereof, because of a lack of information available to you, specify in full and complete detail the reason the information is not available to you and what has been to done to locate such information. In addition, specify what knowledge or belief you have concerning the unanswered portion of the Interrogatory and the facts upon which such knowledge or belief is based. d. Where an Interrogatory does not specifically request a particular fact, but where such facts are necessary to make the answer to the Interrogatory complete or comprehensible, please include such facts as part of the answer, and the Interrogatory shall be deemed specifically to request such facts. e. If you encounter an ambiguity in answering an Interrogatory, set forth the matter deemed ambiguous and the interpretation used in answering. f. If you assert a privilege, work product doctrine, or decline to answer an Interrogatory on some objection, please indicate the nature of the asserted privilege and the basis for it. Also provide a description of the nature and subject of the information withheld and identify every person to whom the information or document was sent or every person present when the communication was made. g. "Plaintiff' means Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI. "Defendant" means Scott Chapman. h. The pronoun "you" refers to the party or parties to whom these Interrogatories are addressed, the party's agents, representatives and, unless privileged, the party's attorney. Additionally, the pronoun "you" refers to each parent, predecessor, subsidiary, affiliate, and each present and former officer, employee, agent, representative, and attorney of a corporate or other business entity. i. "Document" means any writing of any kind, including written, recorded or graphic matter, however produced or reproduced. It includes all matters that relate to or refer to in whole or in part of the subject referred to in any Interrogatory. If a document has been prepared in several copies or if additional copies have been made and the copies are not identical (or by reason or subsequent modification by the addition or notations or other modifications, copies are no longer identical) each non-identical copy is a separate "document." The term "document" includes, but is not limited to correspondence, personal and inter-office memoranda, notes, diaries, log books,. statistics, letters, telegrams, minutes, contract, reports, studies, check statements, returns, receipts, summaries, pamphlets, books, inter-office communications, notations or memoranda or conversations, bulletins, printed matter, computer printouts, teletypes, invoices, recordings, worksheets, and all drafts, alterations, modifications, changes and/or amendments or any of the foregoing. Document also refers to any data stored by computer or any computer-data storage system. j. "All documents" means every document as above defined known to you and every such document which may be located or discovered by reasonable effort. k. The terms "possession," "custody," or "control" include the joint or several possessions, custody or control not only by the Defendants, but also by each and any person acting or purporting to act in concert with or on behalf of the Defendants whether as an agent, employee, attorney, accountant or otherwise. 1. The word "person" means any natural individual in any capacity whatsoever or any entity or organization, including divisions, departments, or other units therein, and shall include without limitation a public or private corporation, partnership, joint venture, voluntary unincorporated association, organization, proprietorship, trust, state, government agency, commission, bureau or department. M. The term "communication" means any oral or written utterance, notation, or statement of any nature whatsoever between or among two or more persons, by or to whomever made, and including, without limitation, correspondence, documents, conversations, dialogues, discussions, interviews, consultations, agreements,, and other understandings. n. The word "identify," or words of similar import, when used in reference to: 1. a natural individual, requires you to state his or her full name, and present or last known residential address, business address, and telephone number; 2. a corporation, requires you to state its full corporate name, and any names under which it does business, its state of incorporation, the address and telephone number of its principle place of business, and the address and telephone number(s) of all of its officers; 3. a business other than a corporation, requires you to state its full name or style under which its business is conducted, and any names under which it does business, its business address, its telephone number(s), and the identity of the persons who own, operate and control the business and their addresses and telephone number(s). 4. a document, requires you to state its title, its date, the names of its authors and recipients, and its present or last known location and custodian, including any documents prepared subsequent to any time period. 5. a communication, requires you, if any part of the communication was written, to identify the documents which refer to or evidence the communication, and, if any part of the communication was non-written, to identify the person participating in or present during all or part of the communication, and describe the substance thereof, p. When an Interrogatory requires you to "describe," to "state the basis of," or to "state the facts" on which you rely to support your claim, contention, or allegation, state in your answer each and every fact and identify each and every communication or document which you contend supports, refers to, or evidences such claim, contention, or allegation. q. When an Interrogatory requires you otherwise to describe or state the facts relating to any particular set of circumstances, act, event, transaction, occurrence, meeting, purchase, sale, agreement, contract, venture, relationship, conversation, representation, communication, or other item of information, indicate in your response the facts (including dates and places) which relate to such a transaction, occurrence, relationship, set of circumstances, etc. Also identify any persons who are or were parties thereto or have knowledge thereof and identify any communications and documents relating to such transaction, occurrence, relationship, set of circumstances, etc. r. If any Interrogatory, term or aspect of these Interrogatories appear ambiguous or if Defendant needs further clarification, Defendant should contact Plaintiffs counsel immediately at the address or phone number above to obtain a clarification. 1. If you deny that Defendant is the same individual who executed a Note to BNC Mortgage, Inc. on March 27, 2007 in the amount of $173,375.00, explain fully your basis and set forth the reasons for said denial. 2. If you deny that Defendant is the same individual who executed a Mortgage to secure the above stated Note on March 27, 2007 in the amount of $173,375.00, explain fully your basis and set forth the reasons for said denial. 3. If you deny that the above-mentioned Note is secured by a Mortgage on real property situated at 111 Holly Drive, Mechanicsburg, PA 17055, explain fully your basis and set forth the reasons for said denial. 4. If you deny that Defendant failed to make the monthly mortgage payment due on December 1, 2008, explain fully your basis and set forth the reasons for said denial. 5. If you deny that Defendant has failed to make each and every monthly mortgage payment due and owing from December 1, 2008 on the obligation which is the subject of this foreclosure litigation, explain fully your basis and set forth the reasons for said denial. 6. If you deny that Defendant is in default of their contractual obligation under the mortgage by failing to make the mortgage payment due on December 1, 2008 and thereafter, explain fully your basis and set forth the reasons for said denial. 7. If you deny that Defendant has not tendered monies sufficient to cure full mortgage arrears on the delinquent account, explain fully your basis and set forth the reasons for said denial. 8. If you deny that the figures set forth at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are correct and accurate, explain fully your basis and set forth the reasons for said denial. 9. If you deny that the figures recited at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument, explain fully your basis and set forth the reasons for said denial. 10. If you deny that the attorneys' fees as set forth in Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure are recoverable under the terms of the Mortgage instrument, explain fully your basis and set forth the reasons for said denial. 11. If you deny that the escrow advances are recoverable under the terms of the Mortgage instrument, explain fully your basis and support the reasons for said denial. 12. If you deny that Defendant was sent a Notice of Homeowners Emergency Assistance pursuant to Act 91 of 1983 on or about March 1, 2009, explain fully your basis and set forth the reasons for said denial. 13. If you deny that Defendant was sent a Notice of Intention to Foreclosure on Mortgage pursuant to Act 6 of 1974 on or about March 1, 2009, explain fully your basis and set forth the reasons for said denial. 14. Upon what facts, information and/or belief do you rely in alleging that the total amount due from Defendant to Plaintiff is different than set forth in the Complaint? _15. Upon. what facts, information and/or belief do you rely in alleging that the Plaintiff is not entitled to the fees and costs set forth at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure? 16. Upon what facts, information and/or belief do you rely in alleging that the attorneys' fees as set forth at Paragraph 8 of Plaintiffs Complaint in Mortgage Foreclosure in the amount of $5,000.00 are unreasonable or excessive? 17. Set forth each and every fact upon which Defendant bases each separate or affirmative defense contained in Defendant's answer and attach hereto copies of all documents not set forth in answer to previous interrogatories, which are relevant or material to such defense. It 18. Set forth the name, address, employer and position of employment of each and every person who has knowledge, whether personal or otherwise, of the facts set forth in Defendants' answer to the preceding interrogatory, together with a summary of the facts of which each such person has knowledge and the source thereof. 19. State whether the Mortgaged premises is personally occupied by Defendant. 20. State whether there are any tenants in occupancy of the mortgage premises. If so, with respect to each tenant, set forth the following: (a) the name and exact address of the tenant; (b) the date on which the tenancy commenced; (c) the terms thereof, including without limitation, the rental rate and lease period; (d) if there is a written lease agreement, attach a copy hereto. 21. State whether Defendant acknowledges the assignment of said mortgage, note or bond by the original mortgagee directly or ultimately to Plaintiff. 22. State the name and address of the party to whom Defendant forwarded his mortgage payments. 23. State whether Defendant maintains that it has not been given full and proper credit for any payments made on account of the mortgage obligation in question. If so, with respect to each such payment, set forth the following; (a) the date on which such payment was allegedly made; (b) the amount thereof; (c) the form of payment (i.e. check or money order); (d) attach hereto copies of cancelled checks (Front and Back), including endorsements, money order receipts or other documents evidencing any such payment for which defendants alleges he has not received proper and full credit. 24. State whether Defendant alleges that he is entitled to any set-offs, credits or allowances other than as set forth in answers to previous interrogatories; and if so, specify same, including the amount, date and circumstance pursuant to which Defendant is so entitled. Attach hereto copies of documents which evidence any such set-off, credit or allowance. 25. Specify which payments have not been made to Plaintiff by or on behalf of Defendant pursuant to the terms of the mortgage obligation, including the date on which such payment was due and the amount of the installment. 26. State what amount, if any, is alleged by Defendant to be due and owing to Plaintiff pursuant to the mortgage obligation and set forth in detail the basis of Defendant's calculation. 27. Set forth in detail all attempts by Defendant to bring current the mortgage held by Plaintiff. Attach hereto copies of any and all documents, which related or refer to any such attempts. 28. If you deny that the Loan History attached as Exhibit "A" to the Request for Admissions provides an accurate accounting of all payments made by Defendant, explain fully the basis and reasons for said denial. 29. Set forth the name, address and contents of information possessed by all witnesses you intend to call at the trial of this matter. 30. Fully describe any documents which are being withheld from production pursuant to the attached request and the reasons why any such documents have been withheld. 31. Explain what investigation you have undertaken to determine what the principal balance of the loan is. 32. Explain what investigation you have undertaken to determine what the interest owing on the loan is. 33. Explain what investigation you have undertaken to determine what the late charges of the loan are. 34. Explain what investigation you have undertaken to determine what the escrow deficit of the loan is. 35. Explain what investigation you have undertaken to determine what the title search/report fees are. 36. Does the Note contain a provision for late charges? If yes, explain why you deny the calculation of late charges in your Answer. 37. Identify all witnesses you intend to call at trial which, will present testimony to contradict the amounts claimed owed by Plaintiff Also provide addresses and phone numbers for each witness and briefly describe the testimony to be presented by each witness. 38. List all exhibits you intend to introduce at trial which would support your denial of the amounts claimed by Plaintiff to be due and owing. Also, identify through whom you intend to introduce the exhibits. 39. Identify all expert witnesses you intend to call at trial in this matter who will testify as to the amounts owing on the loan. 40. Have you had any accountants or other financial professional perform an analysis of the loan to determine the amount owing? If yes, identify the person(s) and the name and address for each. 41. List each date Defendant attempted to contact Plaintiff regarding tender of payments, the phone number dialed and the individual with whom Defendants spoke. SHAPIRO & DENARDO, LLC BY: Leslie J. Rase, Esquire 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 (610) 278-6800 August 29, 2011 09-035350 k_ CERTIFICATE OF SERVICE I hereby certify that on the day of 2011, I served a copy of the foregoing Plaintiffs Request for Admissions and Request for Production of Documents and Interrogatories upon the following by certified mail: Leslie Jacobson, Esquire The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111 SHAPIRO & DENARDO, LLC BY: Leslie J. Rase, Esquire r.. «H„ GERALD M. SHAPIRO Admined in Illinois and Florida DAVIDS kRE1S Admitted in Illinois Only SHAPIRO & DENARDO LLC nlyAN / CHRISTOPHER A. DeNi Managing Panaer ATTORNEYS A1' LAW MICHAEL J. CLARK + LESLIE RASE 3600 Horizon Drive, Suite 150, King of Prussia, Pennsylvania 19406 !-Alm Licensed in Ncw &rsey Tel: (610) 278-6800, Fax: (610) 278-9980 , 2012 Leslie Jacobson, Esquire The Law Office of Leslie David Jacobson 8150 Derry Street, Suite A Harrisburg, PA 17111 Re: Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI v. Scott Chapman Cumberland County No. 09-3224 Our File No. 09-035350 Dear Ms. Jacobson: Please be advised that Ocwen Loan Servicing, LLC has denied your client's request for a Deed in Lieu of Foreclosure. As such kindly respond to Plaintiffs Discovery Requests by April 7 , 2012 or Plaintiff may take appropriate action. Very truly/yours, Le?1e J. Rase, Esquire rrln SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Structured Asset CIVIL DIVISION Securities Corpora ion Mortgage Pass- CUMBERLAND COUNTY Through Certificates, Series 2007-OSI PLAINTIFF NO: 09-3224 VS. ' Scott Chapman ; DEFENDANT AFFIDAVIT STATE OF FLORIDA COUNTY OF PALM BEACH Affiant,?'?kznnon ?1hereby deposes and says: Conbut Ma NVNIler -- I . I am employed as a Cooft br of Ocwen Loan Servicing, LLC ("Ocwen") and am authorized to make this affidavit on behalf of Ocwen. Ocwen is responsible for servicing this delinquent mortgage account as attorney-in-fact for Plaintiff. 2. Through the regular performance of my job functions, I have personal knowledge of Ocwen's business practices and procedures and am familiar with both the business records regularly prepared and maintained by Ocwen for the purpose of servicing mortgage loans and the particular record keeping procedures used by Ocwen in the course of servicing those loans. 3. These records (which include data compilations, electronically imaged documents, and others) are made at or near the time by, or from information provided by, persons with knowledge of the activity and transactions reflected in such records, and are kept in the ordinary course of the business activity regularly conducted by Ocwen. 4. It is the regular practice of Ocwen's mortgage servicing business to make and update these records, and I have examined the relevant records personally in connection with making this affidavit. 5. On March 27, 2107, Scott Chapman for good and valuable consideration, in writing, made, executed and delivered unto BNC Mortgage, Inc. a certain Promissory Note wherein Maker(s) promised to pay to the order of BNC Mortgage, Inc. 6. A full, true and correct copy of said Promissory Note is attached to the Complaint filed in this matter as Exhibit "B" and is made a part hereof. 7. At the same time and place and as part of the aforementioned transaction, and for the purposes of securing payment of the aforesaid Note and the indebtedness represented thereby, Scott Chapman, being at the time the fee simple title holders of the real estate hereinafter described, made, executed and delivered unto Mortgage Electronic Registration Systems, Inc., as Nominee for BNC Mortgage, Inc. a certain Real Estate Mortgage in writing, and thereby mortgaged and conveyed unto Mortgage Electronic Registration Systems, Inc., as Nominee for BNC Mortgage, Inc. the following described real estate, situated in Cumberland County, State of Pennsylvania, to-wit: ALL THAT CERTAIN LOT, PARCEL OR TRACT OF LAND, AND THE IMPROVEMENTS THEREON, LYING AND BEING IN THE TOWNSHIP OF UPPER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE (50 FEET WIDE), WHICH SAID POINT IS IN THE DIVISION LINE BETWEEN LOT NOS. 80 AND 81 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE ALONG THE SOUTHERN LINE OF HOLLY DRIVE, NORTH 65 DEGREES 24 MINUTES 40 SECONDS EAST, NINETY (90) FEET TO A POINT IN THE DIVISION LINE BETWEEN LOT NOS. 81 AND 82 ON SAID PLAN; THENCE ALONG THE DIVISION LINE BETWEEN LOTS NOS. 81 AND 82, SOUTH 24 DEGREES 35 MINUTES 20 SECONDS EAST, ONE HUNDRED SIXTY-SEVEN AND THIRTY-THREE ONE- HUNDREDTHS (167.33) FEET TO A POINT; THENCE SOUTH 67 DEGREES 40 MINUTES 15 SECONDS WEST, NINETY AND SEVEN ONE- HUNDREDTHS (90.07) FEET TO A POINT IN THE DIVISION LINE BETWEEN LOT NOS. 80 AND 81 ON SAID PLAN, AFOREMENTIONED; THENCE ALONG THE DIVISION LINE BETWEEN LOT NOS. 80 AND 81, NORTH 24 DEGREES 35 MINUTES 20 SECONDS WEST, ONE HUNDRED SIXTY-THREE AND SEVENTY-EIGHT ONE-HUNDREDTHS (163.78) FEET TO A POINT IN THE SOUTHERN LINE OF HOLLY DRIVE, AFOREMENTIONED, AT THE POINT AND PLACE OF BEGINNING. BEING LOT NO. 81 IN THE PLAN OF SPRING RUN ACRES, SECTION 5- REVISED, WHICH SAID PLAN IS RECORDED IN THE CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 20, AT PAGE 87. THE IMPROVEMENTS THEREON BEING KNOWN AS NO. I I 1 HOLLY DRIVE, MICHANICSBURG, PENNSYLVANIA 17055. PROPERTY ADDRESS: 111 Holly Drive, Mechanicsburg, PA 17055. 8. Upon information and belief, the aforementioned Real Estate Mortgage, which gave Mortgage Electronic Registration Systems, Inc., as Nominee for BNC Mortgage, Inc., a lien interest in the above described real estate, was properly executed and acknowledged according to the laws of the State, the required mortgage tax paid thereon and filed of record in the office of the Recorder of Deeds of Cumberland County, PA, on April 11, 2007, and recorded in Book 1988, Page 1473. 9. A true and accurate copy of the Mortgage is attached to the Complaint filed in this matter as Exhibit "A" and is made a part hereof. 10. Plaintiff is the holder of the note and mortgage. The title documentation relied upon by Plaintiff in this action is attached to this Affidavit. 11. Based on my review of the payment history on this loan, and after allowing all just credits, offsets and rebates, there is now due and owing unto Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI, on the Note and Mortgage the sum of $248,631.38 , with interest at the rate of 9.825% from November 1, 2008, together with a reasonable Attorney's fee, title search costs, advances for taxes, insurance and property preservation, and costs of this action. 12. My review of the records reveals that, as of April 30, 2012, Plaintiff is owed the following sums of money: Principal of Mortgage Debt Due and Unpaid $173,155.30 Interest $59,397.89 Late Charges $536.32 Escrow Advances $13,140.11 NSF Check Fee $85.00 Appraisal Fees $1,069.00 Property Inspection $235.00 Foreclosure Fees & Costs $1,723.00 Suspense/Unapplied Balance ($1,110.88) Title Report $300.00 Certified Mail Cost $100.64 TOIA $248,631.38 13. The records further reveal that there has been a default in the note and mortgage, and that sufficient and certified moneys to cure the default have not been tendered, nor have there been any extensions, modifications or agreements between the parties to delay this foreclosure action. Based on my review of the payment history, payment has not been made as provided in the Note and Mortgage since the payment due December 1, 2008. 14. As a result of the default on the loan despite demand, Plaintiff was forced to retain legal counsel to enforce the terms of the Note and Mortgage and has incurred attorney's fees and costs. 15. Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, has complied with all the terms, conditions and provisions of the above described Loan, Note and Real Estate Mortgages. FURTHER AFFIANT SAITH NOT. ame: Sh"ron M . ? i Cordw Title: <_ Ca Ocwen Loan Servicing, LLC, its attorney-in-fact STATE OF FLORIDA COUNTY OF PALM BEACH The foregoing instrument was acknowledged and sworn before me this day of 20 , by.Shqnrpi r1- -IY as a of Ocwen Loan Servicing, LLC, is rsonally known to r who has produced as identification. Contract Mane IVrnent Coordinate' Public - State of Florida My Commission Expires: NOTARY pUBLI+ STATE OF M713 A Lisa T. Fier'^rovritz Co In missior, !' DD733177 Expires: JT?I Y '16,2012 SoNDBD InIAU ATL TIC rioi:l)L\6 C0., 2,!C. f?\v) Foreclosure Report by Premium Title Services Inc Loan: _ Premium's File No - Search Effective Date: 4/5/2009 Report Prepared for: Shapiro and DeNardo LLC Property Address: 111 Holly Drive, MECHANICSBURG, Pennsylvania 17055 Lien Position: l st /Title Vested in: Scott Chapman, by that Indenture, dated 02/15/2007 and recorded on 04/11/2007 in Book 279 at Page 2700, of the Cumberland county, PA records. Mortgagors: Scott Chapman The public records show the property subject to the following: Subject Mortgage: That Mortgage in favor of MERS, Inc. as nominee for BNC Mortgage Inc., a Delaware Corporation, dated 03/27/2007, and recorded on 04/11/2007, in Book 1988 at page 1473, (given to secure the original principal amount of $173,375.00). Other Encumbrances: N/A Homeowner's Association Lien: N/A Tax ID: 42282421074 (42-28-2421-074) Tax Information: COUNTY taxes for the year 2008 are Paid. HOA or Condo Association: N/A Legal Description: ALL TMAT CMDi m wr, PARCEL oR TRACT OF LAND, AND THE ¦IIPROVOMM THEM M LYING ago VANUI, BENCH MM PAARMPLA RLY MOM AND TO VAT..'TH OF ?NUM PE DeUMM AT A POW IN THE SOUTHERN LICE OF MOLLY Owe 00 FEET VADEL Y MD POD T L4 x THE Diva m L** SEI Lar wt so AND 01 ON TIE vAR PLAN OF LOTS; TH0l M ALdW THE SOUnM* LDE OF MIbLLY MOM 00 ECM 24 MM MS 40 SEOD" owl "MY pq MU TV A pakT IN 7M DIME UW !!r*MN HAT H O& 01 AND 12 ON SAU PLAMk ALCM 7M1 aVIS nN LNG MW1"call LaM NOO. Ni AIID ee, *VTN 23 MORMS SS MNIAfTNS 20 SECGM©6 EAST. ONE MOM SMMI;T - M1fIM AND THMy-MM ONE tUI fE (MFEET TO A POW THIM SOtI'M C DNS 40 MiMW= 1d i YIMH? T NIIIM AND SH:M M O1?FIU11IpI?tiO?FMT TO A POW N W aAMM LK OHrWM UYr NOS. 00 AND 51 ON SAID PLAN, OM THOM ALOIIB TIE OIVI m Lm 9EIVAIN LOT mm 10 AM S1, MMM 24 Osum a MI KM 30 MOM MMT, ONE MM M SIXTY Am N!lEITY4mff QHMLq lrAO Mf ftlo FEET TO A PDHNT N TIE SOUTHERN umc Or MOLLY OAS. AT TI E MID PLABR CF M4 RNMN 1. M = LCT WO N N THE PUAN OF SMxRUIN WM MIW PM B q SI THE TI1?4 WHO XNOIWN AS NQ?f 111 MOLLY DWVE I?MMNCSBLgM PMNMVAMA iM DEW XNMFN AS PARCELS 420"i-074 eebg Nye swms bnd and Wwnbm cmv*yW woo RIe wd 0 and ftm Auq?a hudaftd MM Wb by teed beta on" MA, Cmq, ? Mod Jawwr l 0001. mm" Mmq 16, 2004 In DOW 900lc 281. Pap iM b ft OWMmdmd COUMF MOW 80 PA00Meref D"& Qein! be eNM1e WW ad pMdeeo cm ,-led wft Rldwd OM and SUM DMW by deed born RMwd Dw Ga of doW Oft n ft oft of Dade ? a. 203In Geed Nook 267. Pape 3M bkq on so" WA sad pnnieaa oaw*W unto YNi b Faye aw kk N.A.. M Mu" by dW SM k Thwm ? 273hw 6,278, Pgd? b Ow CuebwWA OX* OMIba df* RSOM W of Deeds. ?• In Dead End of Report (3 fdt/l . e Preprred By: Shapiro & DeNardo, L.LC Return To: Shapiro & DeNsrdo, LLC 3600 Horizon Drive, Suite 150 t?NIN King of Prussia, PA 19406 610-278-OW ext 225 -"QX J?b It A4Ab*-j"i6-;64 THE ABOVE aPMZ FOR RECOPOM USE ONLY ATTORNEY CODE: 00376 ASSIGNMENT OF MORTGAGE PENNSYLVANIA This ASSI6NAENT OF MORTGAGE is made and er*wW into as d this Slat day of JULY, 2007, Uan MORTGAGE ELECTROWC REGISTRATION SYSTEMS, INC., whose addross Is 3300 SW 34 Avenue, Suite 101, Ocala, FL 34474, No successaa and ass%M as rromkrse for BNC MORTGAGE, INC., its acrocessaa and asdgrrs, (-Asdgrror) b WELLS FARGO BAWL, NA, AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2067-M v*me address Is clo Oaten Loan ServicbgAC. 1661 Ww#*Vbn Road, SUVA 100, West Palm Beach, do , 33f09. ('Asdpww), for and In oar adon of the sum of Ten Dollm (=10.00) and other good and vNusbM x?slbsrr8on. Me receipt d wNch b adawmMedgsd. MORTGAGE ELECTROWC REGISTRATION SYSTEMS, SIC, ACTING SOLELY AS NOMWEE FOR SNC MORTGAGE, INC. does hereby awn all o fits right, Oft and 1 n1- m n holder of, In, and b the !Mewing described nrorlpage, the property described and the Nndabbdrrem sam ed by the malgage to the above referenced Assignee. Motlgsgor: SCOTT CHAPMAN Mor?egae: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR BNC MORTGAGE. INC. Dated: MARCH 27, 2007 AnWAX* $173,375.00 Reoorded: APRIL 11. 2007 County: CUMBERLAND Bock 1968 Page: 1473 Property Address:111 HOLLY DRIVE. MECHANICSBURG, PA. Together wN? the note or obligdion described In the MmlWp endorsed to the AsdWmw, ('Nob7 and adl'rrr non due wW b become clue on the Note and Matgege, wllh krbrast. Assignee its atoo m, Isgd m0mardmilm acrd assigns shall hold a9 rigids under the • Note w4 Mortpege braver, su*ot however, to the fight and eqully d redsrrrpro don, N", d the fndWjs) of the mortgage. #Wk hoh eW anIgns forever. Aod rwc. by its appro kb oaporate olifcera, has wconsted and seated with No corporate seal this Aasiprrmsrk of Mortgage on thhi 9TH day of JUNE. 2008. oq-035966 ATTEST: New Kevin M. Title: Assistant Secretary STATE OF FLORIDA ) As COUNTY OF PALM BEACH ) MORTGAGE ELECTRONIC REGISTRATIOM SYSTB^ MC. ACTING SOLELY AS NOMINEE FOR BNC INC. Name: Scott Anderson Tift VIM President BE IT REMEMBERED, Out on this 9TH day of JUNE. 2009, before me, the sueac rnw, a Notary Publo p*rsonaly of kl?? ELECTRONIC REGISTRATION SYSTEMS, INC. ACTM SOLELY AS NOMINEE FOR ORTGA0E, INC., who i on selOW are go person- wino signed the within Instrument and thay admoviledged that they signed. seared with ft corporal, sed and dokwW the carne a such ollicera aforesaid, turd that the wtlMn Instrument is the vokintery act and dead of such corporation me& by virtue of a Resohdion of Its koTilRipumma?A crmsti ? Lerida N Aft k;?gL CMMW=#DVMM Notary Public Vghu NOV. 29,2W NUUNWAnAMMINA041kna of the Assignee Is: Shapiro & DeNamo, LLC 3600 Haim i']dw. Suite 1 so tang of Pnwsie, PA 19406 cto Oman Loan Sendchrg.LLC 16611Northiroon Load, Sulle 100 Wed Palm Beach, FiorW 33409 Phone Number: 51li-88241836 MERS Ph* (888) 679 - 6377 Prepared by: Machu Abram Oawen Loan Senddng, LLC 1881 Woon Road. Suite 100 Went Palm Beach, FL 33408 Phone Number. 689-682-8835 ALLOMG BORROWERS: SCOTT CHAPLtAN PRESENTOWNER AND HOLDER: BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, I.L.C. NOTE EXECUTION DATE : MARCH 27, 2007 NOTE AMOUNT: $173,375.00 This allonge shall be annexed to the original Note (or to a copy of the Note with a Lost Note Affidavit if the original cannot be located), referenced above for purposes of tran8iwIng same from the present Owner and Holder of the Note, BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC. ("Transferor") as of the date set forth below. As a result of said transfer, BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC.. has no further Interest in the Note. Date: JUNE 09, 2009 Pay to the order of WELLS FARGO BANK, N.A., AS TRUSTEE FOR THE REGISMED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH t RTIFICATES, SERIES 7007-M without recourse, representation or warranty express or implied this 9TH day of JUNE, 2009. BNC MORTGAGE, INC. AS SUCCESSOR BY MERGER TO FINANCE AMERICA, LLC. BY ITS ATTORNEYdN-FACT OCWEN LOAN G, LLC By. _ r-7 Name: Kevin M. Title: Manager The effective date of the aliaonge Is JULY 31, 2007. 04-15-.'99 15:44 FlIOI'I- 94 W- V6.*&M rtw T-741 P8®2 /NM F-463 T-53T P.M/1=1 f-M dPX NATMAL THE IIMURA N Z CO Aff REVMM StDta.E G DAN ALL TMMAT CEIMN LCft', PARI2rt. Olt TRACT of LAND, Alin TEN: M WROVlI AWM THEMON„ YMG AND 100P TMB 'IO"W OR UPPER ALLEK COIJNIY OF CUM9MLJWD AND COIyNMONYMI!#. OF PENIlI,VLV4MA, NOW MORE PARTICUIJIRLY K UNDM AND DE9CI? A8 fOLt•OVYB. Tq Wff: BMMM AT A POW NI THE 80UTMM UME OF HDLLY DME ID FEET VMEX MtMpt I= poW X3 Mai TM MAIM UW M UWEM LOT W& 80 AND 61 ON THE Nwowdvm MMaTIOIM? OF LOTIC T NAM THE 90UTON UWE OF MOLLY DRfdE, NORTH 86 24 40 WWI PLAT M AM 14-M r TO A FoN1T IN 711E DNom tNMs IIEIYYIHIf 1At MiCNM. h as PlJMik TPUMM ALCM 7M Grimm a are M a gwax Lars ME a? a AM 24 I I I we >a' Moom 20 $=Mt Zw. ONE MUMXM OM40M AND TMp wwwwa i wo .MMd1WM (MAW FEET TO A PONR; TH MCM BMt1TEt 67 ?c111EM6 40 MMW M 16 6 VAW MNNVY AND 1 FEET TO A PMT IN TEE I.A?E NffN t LOT #0L 0AND Wi ON a#iD PUMP, THam ALOtYN TIE NE e =M1> & NMAMO81, M0 MM 24 U M*JUTlM q& WAWA, OMB BiXTI =71MR11E /URM Y-E161HT illy FEET TO A POW X TM um w HOLLY asww? wr Ta ,wo a? OF' . >Nom area 81 N IM MM QF V MI6 5 A 8t?c11?1 5• OWAK WN CH OM PkM E 'lsi1E CUA ,Al1D tifXMTY lilJl @R'6 OFFICE M PLAN BOOK X. AT PAW Mf. T M TMIEMK!ON 1A1dYMN A8 N0.111 NOLLY DWW" MECMWigCM PMM nVAMA 1?UL W90 KNOM M AS PARCEL#4204242W4 "I the aeew kaod WM Prime ---- - d uaao It * Md Domy sod SaMM Awnfibe. bea?6ead ad r# by hgs 9v nin tt way, r0 ds1?l Jwwoy 15, 2004, recorded Jmwy it 204 In DaI d> a* Cwi* omw of me Reoomwer Duda ? Mat al¦tlt lrad tfrdnpee,Mnlrta g?ed ?b Rb:hMd Dotedy aM 8t?n Dam bbt deed 7hAt Rlp?rd non bt.to *w tlMelgi cft* R; de" dew R?eMw Daeda. 3.200M 6a Uued DO* '. Pop 3M Oft ft aaei l lead sed pas,Mue ooM 4"d V* %bb Fargo Be* N.A.. a To" by deed from P. Tb Ijillt Mlherllf 0f Brt 0MJ* of QW*SMw4 dWd BePMnbW8, 2DM. aeoo-do 9vpwj w 29.2= M Dud Book 718, Page 4157 h the C=barhnd County Glow d"Rsoorder of Deeds. P ow" ly Paarpl Name 4x4Z8.24I$w4 Ml "M 1.414 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARi.ISLE, PA 17013 717-240-6370 Lmstrumest Number - 2MI271 Recorded On V At 10:M-.03 AM *Total Pages - 5 * Lit Type - ASSIGNMENT OF MORTGAGE hwelve Number - 4"M User ID - KW * MortpW - CHAPDUN, SCOTT * use - STItiJCTD ASSET SECURITIES CORP . * Cam6omer - SKAFM & DLNARDO LLC * FEES STATE ]RI? TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RXCONDING FEES - $11.50 ItECOWMER OF D®S PARCEL CERTIFICATION EE $10.00 F S COUNTI APA311 $ FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $37.00 DO NOT DETACH This page is now part of this bpi document. I Certify this to be recorded in Cumberland County PA RECOaS?o Certification Page • - Iaforaad w desdbed by an aetertet any change dwft the verMwMon proeae and may not be rdketed on thb page. 'one SHAPIRO k DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-3224 VS. Scott Chapman DEFENDANT CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Motion for Judgment, Memorandum of Law and Affidavit in Support of same, together with any of documentation specifically referenced in the transmittal letter, on 3 Z to parties named herein at their last known address or upon their attorney of record as below li: by regular mail, postage prepaid: Leslie Jacobson, Esquire, The Law Office of Leslie David Jacobson, 8150 Derry Street, Suite Harrisburg, PA 17111 SHAPIRO & DeNARDO, LLC BY: Leslie J. Rase, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson 6`_i r Sheriff ;+���°its, of uaaaaitarr�rrr� t �� Jody S Smith Chief Deputy 7013 MIA r AM 9. Richard W Stewart CUMBERLAND Solicitor ;, F ,,r��k "FRIFP PENNSYLIVAMA Wells Fargo Bank, NA Case Number vs. Scott Chapman (et al.) 2009-3224 SHERIFF'S RETURN OF SERVICE 01/02/2013 07:17 PM -Deputy Ryan Burgett, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 111 Holly Drive, Mechanicsburg, PA 17055, Cumberland County. 03/07/2013 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Cumberlad County, on March 6, 2013 at 10:00 a.m. He sold the same for the sum of$ 1.00 to Attorney Christopher Denardo, on behalf of Wells Fargo, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, being the buyer in this execution, paid to the Sheriff the sum of$ SHERIFF COST: $1,020.83 SO ANSWERS, April 30, 2013 RONIV R ANDERSON, SHERIFF r) "d- 7y �iaa Dj ��'��o.' r , I SHAPIRO&DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar#78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-035350 Wells Fargo Bank, N.A., as Trustee for the COURT OF COMMON PLEAS a registered holders of Structured Asset CIVIL DIVISION Securities Corporation Mortgage Pass- ; CUMBERLAND COUNTY Through Certificates, Series 2007-OSI PLAINTIFF NO: 09-3224 VS. Scott Chapman DEFENDANT ; AFFIDAVIT PURSUANT TO RULE 3129,1 Wells Fargo Bank,N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 111 Holly Drive,Mechanicsburg, PA 17055, 1. Name and address of Owner(s)or Reputed Owner(s) Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 2. Name and address of Defendant in the judgment: Scott Chapman 111 Holly Drive Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien. on the real property to be sold: Wells Fargo Bank,N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI 1661 Worthington Road West Palm Beach, FL 33409 k, r 4. Name and address of the last recorded holder of every mortgage of record: Wells Fargo Bank,N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI 1661 Worthington Road West Palm Beach, FL 33409 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 111 Holly Drive Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 09-035350 r r SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar# 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 09-035350 Wells Fargo Bank,N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Structured Asset CIVIL DIVISION Securities Corporation Mortgage Pass- CUMBERLAND COUNTY Through Certificates, Series 2007-OSI ; PLAINTIFF NO: 09-3224 VS. ; Scott Chapman DEFENDANT NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Scott Chapman c/o Leslie David Jacobson, Esq. 8150 Derry Street Suite A Harrisburg, PA 17111 Your house(real estate) at: 111 Holly Drive,Mechanicsburg,PA 17055 is scheduled to be sold at Sheriffs Sale on March 6, 2013 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$248,631.38 obtained by Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass- Through Certificates, Series 2007-OSI against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A., as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2007-OSI the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped,your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten(10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 09-035350 ALL THAT CERTAIN lot,parcel or tract of land, and the improvements thereon,lying and being in the Township of Upper Allen, County of Cumberland and Commonwealth of Pennsylvania,being more particularly bounded and described as follows,to wit: BEGINNING at a point in the southern line of Holly Drive(50 feet wide),which said point is in the division line between Lot Nos. 80 and 81 on the hereinafter mentioned plan of lots;thence along the southern line of Holly Drive,north 65 degrees 24 minutes 40 seconds east,ninety(90) feet to a point in the division line between Lot Nos. 81 and 82 on said plan;thence along the division line between Lots Nos. 81 and 82, south 24 degrees 35 minutes 20 seconds east, one hundred sixty-seven and thirty-three one-hundredths(167.33)feet to a point;thence south 67 degrees 40 minutes 15 seconds west,ninety and seven one-hundredths(90.07)feet to a point in the division line between Lot Nos. 80 and 81 on said plan,aforementioned;thence along the division line between Lot Nos. 80 and 81,north 24 degrees 35 minutes 20 seconds west,one hundred sixty-three and seventy-eight one-hundredths (163.78) feet to a point in the southern line of Holly Drive, aforementioned, at the point and place of BEGINNING BEING the same premises which Wells Fargo Bank,NA as Trustee by Wilshire Credit Corporation as attorney in fact,by Deed dated February 15,2007 and recorded in the Cumberland County Recorder of Deeds Office on April 11, 2007 in Deed Book 279,page 2700, granted and conveyed unto Scott Chapman. i WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 09-3224 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK,N.A.,AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES,SERIES 2007-OSI Plaintiff(s) From SCOTT CHAPMAN (I)You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEES)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof, (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $248,631.38 L.L. $30 Interest MAY 1,2012 THROUGH SEPTEMBER 10,2012 IS$8,900.36 -- SEPTEMBER 11,2012 THROUGH MARCH 6,2013 IS$11,844.84 Atty's Comm % Due Prothy $2.25 Atty Paid $203.75 Other Costs Plaintiff Paid Date: OCTOBER 5,2012 David D. Buell,Prothonotary (Seal) - Deputy REQUESTING PARTY: Name : CHRISTOPHER A. DENARDO,ESQ. Address: SHAPIRO&DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF TRUE COPY FROM RECORD Telephone: 610-728-6800 In Testimony whe:•aof,I hem unto set my hand Supreme Court ID No. 78447 and the se I of said Court at Carlisle,Pa. This ay of ..20 Prothonotary -..T - On October 19, 2012 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, PA, Known and numbered as, 111 Holly Drive, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: October 19, 2012 By: Real Estate Coordinator CUMBERLAND LAW JOURNAL Writ No. 2009-3224 Civil Deed Book 279,page 2700,granted and conveyed unto Scott Chapman. Wells Fargo Bank,NA VS. Scott Chapman Atty.: Christopher DeNardo ALL THAT CERTAIN lot, parcel or tract of land, and the improve- ments thereon, lying and being in the Township of Upper Allen,County of Cumberland and Commonwealth of Pennsylvania, being more par- ticularly bounded and described as follows,to wit: BEGINNING at a point in the southern line of Holly Drive(50 feet wide),which said point is in the divi- sion line between Lot Nos.80 and 81 on the hereinafter mentioned plan of lots; thence along the southern line of Holly Drive,north 65 degrees 24 minutes 40 seconds east,ninety (90)feet to a point in the division line between Lot Nos. 81 and 82 on said plan; thence along the division line between Lots Nos. 81 and 82,south 24 degrees 35 minutes 20 seconds east, one hundred sixty-seven and thirty-three one-hundredths(167.33) feet to a point; thence south 67 de- grees 40 minutes 15 seconds west, ninety and seven one-hundredths (90.07)feet to a point in the division line between Lot Nos. 80 and 81 on said plan, aforementioned; thence along the division line between Lot Nos.80 and 81,north 24 degrees 35 minutes 20 seconds west, one hun- dred sixty-three and seventy-eight one-hundredths (163.78) feet to a point in the southern line of Holly Drive, aforementioned, at the point and place of BEGINNING. BEING the same premises which Wells Fargo Bank, NA as Trustee by Wilshire Credit Corporation as attorney in fact, by Deed dated February 15, 2007 and recorded in the Cumberland County Recorder of Deeds Office on April II, 2007 in 30 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952,been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 25, February 1, and February 8, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Visa Marie Coyn , Editor SWORN TO AND SUBSCRIBED before me this 8 da y of February, 2013 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 28,2014 d� The Patriot-News Co. 2020 Technology Pkwy t4t atr1*otwXews i Suite 300 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 i CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE I CA,RLISLE 17," �3 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. r 2009.3M Chill Yllelht Fargo/lank, This ad ran on the date(s)shown below: va Ott Chkomae 01/22/13 Attye Chrlstophsr Pei do 01/29/13 ALL THATCERTA Niot,parcelortractof } 02/05/13 land,and the improvements thereon,lyi and being in the 76waship of upper Allen, County of Cumberland and Commonwealth of Pennsylvania, being more particularly . . . . . . . . . . . . . . . bounded and described as follows,to wit: BEGINNING at a point in the southern lime of Holly Drive(50 feet wide),which Sworn to and ubscr'bed before this 14 day of February, 2013 A.D. said point is in the division he between Lot Nos. 80 and 81 on the hereinafter mentioned plan of lots;thence along the southern line of Holly Drive, north 65 P u bl IC degrees 24 minutes 40 seconds east,ninety (90) feet to a point in the division line between Lot Nos..81 and 82 on said plan; thence along the divi ion line between Lots Ft4y LT OF PENNSYLVANIA Nos.81 and Aa®rtdr2ttiegi�oa3Sati Notarial Seal 2tl aemrl►"!t,bee t+w*W,i�ievw ,- — r ynn Warfel,Notary Public gton Twp.,Dauphin County „; to tttte a at�lrr 67mjritr := isslon Expires oec.12,2016 minutes B seconds west,ninety and Seven MEMBER.PENNSYLVANIA ASSOCIATION OF NOTARIES ate-hundredths(90.07)feet to.a point in the dwoon]me between Lot Nos ilQaad 81 j on said plan,amentionndthenoo along the divisicm be betweonAA Nns.80 and 81,north 24 degrees 35 minutes 20,1econds west or`wed sixty-three and sevenry- e c 'mt 4ujad�ths (�63�78) feet to a p io-the southern Iitm of Holly Drive, aforementioned,at the point and place of BEGINNING BEING the same premises which Wells Fargo Bank,NA.as` ustee by Wilshire Credit'Corporation as attorney in fact by Deed dated February 15,2W and recorded in the Cumberland County .Recorder o f Deeds Office on April II 2007 in Deed Book 279,Pa ge 2700,granted and conveyed unto Scottoapman. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Wells Fargo N.A. as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates Series 2007-OSI is the grantee the same having been sold to said grantee on the 6th day of March A.D., 2013,under and by virtue of a writ Execution issued on the 5th day of October,A.D., 2012, out of the Court of Common Pleas of said County as of Civil Term,2009 Number 3224,at the suit of Wells Fargo,N.A. as Trustee for the registered holders of Structured Asset Securities Corporation Mortgage Pass-Through Certificates Series 2007-OSI against Scott Chapman is duly recorded as Instrument Number 201314715. IN TESTIMONY WHEREOF, I have set my hand / and seal of said office this CO day of A.D. t - � 4] E V Recorder of Deeds 7'D` a ion res the Fast MaY Jan 2014