HomeMy WebLinkAbout09-3706
F1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CHASE HOME FINANCE LLC, s/b/m/t
CHASE MANHATTAN MORTGAGE
CORPORATION,
Plaintiff,
vs.
THOMAS OLSZOWKA,
Defendant.
TO DEFENDANT
You are hereby notified to plead to the ENCLOSED
COMPLAINT WITHIN TWENTY (20) DAYS
FROM SERVICE HEREOF
ATTORNEY FOR PLAINTIFF
CIVIL DIVISION
NO.: (A- 370(0 Civil
TYPE OF PLEADING
CIVIL ACTION-COMPLAINT
IN MORTGAGE FORECLOSURE
FILED ON BEHALF OF PLAINTIFF:
Chase Home Finance LLC, s/b/m/t Chase
Manhattan Mortgage Corporation
COUNSEL OF RECORD FOR THIS
PARTY:
I HEREBY CERTIFY THAT THE ADDRESS
OF THE PLAINTIFF IS:
3415 Vision Drive
Columbus, OH 43219
AND THE DEFENDANT IS:
206 Burd Street
ddletown, P?A?17057
11.1
ATTORNEY FOR PLAINTIFF
CERTIFICATE OF LOCATION
I HEREBY CERTIFY THAT THE LOCATION OF
THE REAL ESTATE AFFECTED BY THIS LIEN IS
129, 131, 133 2nd Street, East Pennsboro Twn
(CITY, BORO, TOWNSHIP,WARD)
Kristine M. Anthou, Esquire
Pa. I.D. #77991
an M. Kile, Esquire
Pa. I.D. #89240
GRENEN & BIRSIC, P.C.
One Gateway Center
Ninth Floor
Pittsburgh, PA 15222
(412) 281-7650
v?
ATTORNEY FOR PLAINTIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CHASE HOME FINANCE LLC, s/b/m/t CIVIL DIVISION
CHASE MANHATTAN MORTGAGE
CORPORATION,
NO..
Plaintiff,
VS.
THOMAS OLSZOWKA,
Defendant.
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claim set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or for any other claim or
relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166 or Toll Free (800) 990-9108
S
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
CHASE HOME FINANCE LLC, s/b/m/t
CHASE MANHATTAN MORTGAGE
CORPORATION,
Plaintiff,
CIVIL DIVISION
NO.: 09- 3"04 8,?C 7-e-
vs.
THOMAS OLSZOWKA,
Defendant.
CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE
Chase Home Finance LLC, s/b/m/t Chase Manhattan Mortgage Corporation, by its
attorneys, Grenen & Birsic, P.C., files this Complaint in Mortgage Foreclosure as follows:
1. The Plaintiff is Chase Home Finance LLC, s/b/m/t Chase Manhattan Mortgage
Corporation, which has its principal place of business at 3415 Vision Drive, Columbus, Ohio
43219 and is authorized to do business in the Commonwealth of Pennsylvania.
2. The Defendant, Thomas Olszowka, is an individual whose last known address is
206 Burd Street, Middletown, Pennsylvania 17057.
3. On or about January 20, 2006, Defendant executed a VA Fixed Rate Note
("Note") in favor of JPMorgan Chase Bank, N.A. ("JPMorgan") in the original principal amount
of $138,718.00. A true and correct copy of said Note is marked Exhibit "A", attached hereto
and made a part hereof.
4. On or about January 20, 2006, as security for payment of the aforesaid Note,
Defendant made, executed and delivered to JPMorgan a Mortgage in the original principal
f
amount of $138,718.00 on the premises hereinafter described, said Mortgage being recorded in
the Office of the Recorder of Deeds of Cumberland County on January 24,2 006 in Mortgage
Book Volume 1938, Page 1085. A true and correct copy of said Mortgage, containing a
description of the premises subject to the Mortgage ("Mortgaged Premises"), is marked Exhibit
"B", attached hereto and made a part hereof.
5. JPMorgan assigned all of its right, title and interest in and to the Mortgage and
Note to Plaintiff pursuant to the terms of a certain Assignment of Mortgage.
6. Defendant is the record and real owner of the aforesaid Mortgaged Premises.
7. Defendant is in default under the terms of the Mortgage and Note for, inter alia,
failure to pay the monthly installments of principal and interest when due. Defendant is due for
the January 1, 2009 payment.
8. On or about March 4, 2009, Defendant was mailed Notices of Homeowner's
Emergency Mortgage Assistance Act of 1983 ("Act 91 Notices") in compliance with the
Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983, as amended.
9. Plaintiff was not required to send Defendant a separate Notice of Intention to
Foreclose Mortgage in compliance with Act 6 of 1974, 41 P.S. §101, et seq., as a result of
sending the Act 91 Notices.
10. The amount due and owing Plaintiff by Defendant is as follows:
Principal $133,897.27
Interest to 5/19/09 $ 4,052.80
Late Charges to 5/19/09 $ 233.40
Escrow Deficiency $ 252.95
Corporate Advances $ 28.00
Attorney's fees $ 850.00
Title Search, Foreclosure and
Execution Costs $ 2,500.00
TOTAL $141,814.42
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due
of $141,814.42 with interest thereon at the rate of $23.84 per diem from May 19, 2009, and
additional late charges, additional reasonable and actually incurred attorney's fees, plus costs
(including increases in escrow deficiency) and for foreclosure and sale of the Mortgaged
Premises.
GRENEN & BIRSIC, P.C.
BY: /?? L'
Kristine M. Anthou, Esquire
Brian M. Kile, Esquire
Attorneys for Plaintiff
One Gateway Center, Ninth Floor
Pittsburgh, PA 15222
(412) 281-7650
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE.
EXHIBIT "A"
• 1742209913
VA FIXED RATE NOTE *r?lUg AN
NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT
THE APPROVAL OF THE DEPARTMENT OF VETERANS
AFFAIRS OR ITS AUTHORIZED AGENT.
Camp Hill, PA City, State
January 20, 2006 Date
129,131 , 133 2nd St, Enola, PA 17025 Property Address
1. BORROWER'S PROMISE TO PAY
In return for a loan that 1 have received, I promise to pay U.S. S 138,718.00
(this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is
JPMorgan Chase Bank, N.A.
a national banking association organized and existing under the laws of the United States of America
I will make all payments tinder this Note in the form of cash, check or money order. I understand that the Lender may transfer this
Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the
"Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate
of 6.500 %.
The interest rate required by this Section 2 is the rate i will pay both before and after any default described in Section 6(B)
of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
i will make my monthly payments on the first day of each month beginning on March Ist, 2006
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 tinder this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before
Principal. If, on February 1, 2036 , i still owe amounts tinder this
Note, I will pay those amounts in fills on that date, which is called the "Maturity Date."
i will make my monthly payments at JPMorgan Chase Bank, N.A., c/o Chase Home Finance, LLC
3415 Vision Drive, Columbus, OH 43219
or at a different place if required by the Note Holder.
(R) Amaorit of hionthly Payments
My monthly payment will be in the amount of U.S.$ 876.80
4. BORROWER'S RIGHT TO PREPAY
The Borrower shall have the right to prepay at any time, without premium or fee, the entire indebtedness or any part thereof
not less than the amount of one installment, or $100, whichever is less, Any Prepayment in full of the indebtedness shall be credited
on the date received, and no interest maybe charged thereafter. Any partial Prepayment made on other than an installment due date
need not be credited nntil the next following installment due date or 30 days after such Prepayment, whichever is earlier.
4. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan
charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be
reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which
exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe
under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial
Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full annount of any monthly payment by the end of fifteen (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 4.000 %
of my overdue monthly installment, which includes principal, interest, taxes, and insurance, as allowed by state law. I will pay this
late charge promptly but only once on each late payment.
(B) Dersult
If I do not pay the full amount of each monthly payment on the date it is due, i will be in default.
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain
date, the Note Holder may require me to pay immediately the filll amount of Principal which has not been paid and all the interest
that 1 owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other
means.
VA MULTISTATE FIXED RATE, NOTE
C•7400 Page 1 of 2 (9/03) (reptaaa 1/01)
0 0 1742209913
(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 I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in fiill as described above, the Note Holder will have the right to be paid
back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses
include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder
a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class
mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different
address.
R. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this
Note, including the promise to pay the fill amount owed. Any person who is a guarantor, surety or endorser of this Note is also
obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser
of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note
against each person individually or against all of us together. This means that any one of us may be required to pay all of the
amounts owed under this Note.
9. WAIVERS
i and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right
to require the Note Holder to give notice to other persons that amounts due have not been paid.
10. ALLONGE TO THIS NOTE
If an allonge providing for payment adjustments or for any other supplemental information is executed by the Borrower together
with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note
as if the allonge were a part of this Note. (Check applicable box)
I Graduated Payment Allonge I Other (Specify)
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note
Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated the same date as this Note,
protects the Note Holder from possible losses which might result if i do not keep the promises which 1 make in this Note. That
Security instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts
i owe under this Note. Some of those conditions arc described as follows:
Regulations (38 C.F.R. Part 36) issued under the Department of Veteran's Affairs ("VA") Guaranteed Loan Authority (38
U.S.C. Chapter 37) and in effect on the date of loan closing shall govern the rights, duties and liabilities of the parties to
this loan and any provisions of this Note which are inconsistent with Such regulations are hereby amended and supplemented
to conform thereto.
WITNESS THE HAND(S) and SEAL(S) OF THE UNDERSIGNED.
_ (Seal)s / (Seal)
-Ba rowa omas Olszowka -Bono-W
(Seal)
-Borrower
P/y to the Of ter at!
Without Recourse
_JPM n?Chhess San" .A.
WARU %#rrWn"WWA=3TANTSECRETARY
(Seal)
-Bane?
VA MULTISTATE FIXED RATE NOTE
G7400 Page 2 of 2 (9103) (replace 1101)
EXHIBIT "B"
..L ..a
'?'?? S!?1V ?y ?? 11 ti6
?u
Prepared By:
Return To:
JPMorgan Chase Custody Services
P.O. Box 8000
Monroe, LA 71211
Premises:
Paicel Number: 129, 131 , 133 2nd St
4517.1044234235,236 Enola, PA 17025
(Space Above This Line For Recording DataI
MORTGAGE
DEFINITIONS
r?vaao?I?3
r
Words used in multiple sections Wthis document are defined below and other words are defined in
Sections 3, 11, 13, 185 20 and 21? Certain rules regarding the usage of words used in this document are
also provided in Section 16.,
(A) "Security Instrument" means this document, which is dated January 20, 2006 ,
together with all Riders to this document.
(B) "Borrower"is
Thomas Olszowka,'
Borrower is the mortgagor under this Security Instrument,
(C) "Lender"is
JPMorgan Chase Bank, N.A.
Lender is a national banking association
1742209913
PENNSYLVANIA - Single Family - Fannie MaelFreddle Mae UNIFORM INSTRUMENT Form 3039 1101
PEM -6(PA) (0602)
Page 1 of Is MIME:
VMP Moitgaps SohAlorts, kro. (800)521-7291 ?I
BK 1938PG 1085
organized and existing under the laws of the United States of America
Lender's address is
111 I Polaris Parkway, Columbus, OH 43240
Lender is the mortgagee under this Security Instrument.
(D) "Vote" means the promissory note signed by Borrower and dated January 20, 2006
The Note states that Borrower owes Lender
One hundred thirty-eight thousand seven hundred eighteen and 00/100 Dollars
(U.S. $ 138,718.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than February 1, 2036
(E) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property."
(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower [check box as applicable]:
0 Adjustable Rate Rider ? Condominium Rider ? Second Home Rider
? Balloon Rider ? Planned Unit Development Rider ® 1-4 Family Rider
(l VA Rider ? Biweekly Payment Rider ? Other(s) f specify]
(H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.
(I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(,n "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(K) "Escrow Items" means those items that are described in Section 3.
(L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
value and/or condition of the Property.
(M) ",Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amounts under Section 3 of this Security Instrument.
1742209913
Inittab:?/ /
4R-8(PA) (0502) Page z or 19 77T--- Form 3038 1101
BKI938PG1086
(U) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender the following described property located in the COUNTY [Type or Recording Jurisdiction]
of CUMBERLAND [Name of Recording Jurisdiction]:
See attached Schedule A
which currently has the address of
129, 131 , 133 2nd St [Street]
Enola [city], Pennsylvania 17025 ['Lip Code]
("Property Address"):
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property."
1742209913
Initials: ?
-6(PA) tosoz) Pape 3 or 18 Form 3039 1101
BKI938PG1087
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lcnder when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its rights to refuse such payn(ent or partial
payments in the future, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay
interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding
principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender shall relieve Borrower from making payments due under
the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority; (a) interest
due under the Note; (b) principal duc undcr the Notc; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
1742209913
mhlen:
®.g(pA) (0502) Pegs 4 of Is Form 3039 1101
8KI938PG1088
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due
for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest
1742209913 v
Inltlsb:
A4(PA) to5oz) Puce 5 of 10 Form 3038 1101
-BK I 938PG 1089
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
determination, certification and tracking services; or (b) a one-time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
1742209913 !/
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4R-6(PA) (0502) Pape 8 at 18 Form 3039 1101
010938PGI090
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover bender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect, Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lcndcr has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day
period will begin when the notice is given. In either event, or if Lender acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
1742209913
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40-S(PA) (OW2) Paps 7 of 15 Form 3039 1101
BKI93BPG.109
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which arc beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but arc not limited to: (a) paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that bender incurs no liability for not taking any or all
actions authorized under this Section 9.
1742209913 Initials: 01/ 4&•6(PA) (o5w) Pape 6 of 16 Form 3039 1101
BKI938PG1092;
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously providcd such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these
payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance covcrmgc (in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
arc on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to
these agreements. These agreements may require the mortgage insurer to make payments using any source
of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any rcinsurer,
any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
A•lortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
1742209913
InlWla:
CV(PA) tou)2) Paps p of tB Form 3038 1101
BKI938PG1093
(h) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Leader shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
1742209913
lyduda:-?-?
4R.6(pA) m5m Pape 10 of 10 Form 3039 1101
81I1938PG1094
dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security Instrument by reason of any demand made by the original
Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this
Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the
terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instru ent shall be deemed to
1742209913
4 .81PA) (0502) Page 11 of is Form 3039 1101
Q41938PG1095
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifics a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties *to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, this 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 less 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 Instrument without further notice or demand on Borrower,
19. Borrower's Right to Reinstate After Acceleration, If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in
this Security Instrument; (b) such other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
1742209913
r?usb?
4M&$(PA) MM) Page 12 of 16 Form 3038 1101
BKI938PG1096
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify
Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when
the default must be cured; and (d) that failure to cure the default as specified may result in
acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and
sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration
and the right to assert in the foreclosure proceeding the non-existence of a default or any other
defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at
its option may require immediate payment in full of all sums secured by this Security Instrument
without further demand and may foreclose this Securit)- Instrument by judicial proceeding. Lender
shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22,
including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by
Applicable Law.
23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument
and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge
and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge
Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services
rendered and the charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or
defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or
future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale,
and homestead exemption.
25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one
hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security
Instrument.
26. Purchase Money 'Mortgage. If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time
under the Note.
1742209913 a„?„?a,
® 4(PA) (0502) Paps t4 of 18 Form 3039 1101
BKI938PG1098
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
1742209913
?$IPAI (0602)
_ (Seal)
-Borrower
_ (Seal)
-Borrower
_ (Seal)
-Borrower
"?9jCal)
Thomas Olszowka -Borrower
Page 15 of 16
_ (Seal)
-Borrower
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-Borrower
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-Borrower
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-Borrower
Form 3039 1101
6K1938PG1099
COMMONWEALTH OF PENNSYLVANIA, CUMBERLAND
On this, the 20th day of January 2006
undersigned officer, personally appeared
Thomas Olszowka
County ss.
, before mc,"the
known to me (or
satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and
acknowledged that he/she/they executed the same for the purposes herein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
My Commission Expires: +
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Ar l?ti?R„ N6fasl??bl?t .
Hal
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Certificate Residen
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the correct ddress of the within-named Mortgagee is
Witness my hand this 20th
1742209913
4R.6(PA) (0502)
day of January 2006
, do hereby certify that
Of938PGI100
Initials: ;?_/" D
aeQe to or to Form 3039 1101
1742209913
1-4 FAMILY RIDER
Assignmentof Rents
THIS 14 FAMILY RIDERis made this 20th day of January, 2006
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed
of Trust or Security Deed (the "Security Instrument") of the same date given by the
undersigned (the "Borrower") to secure Borrower's Note to
JPMorgan Chase Bank, N.A.
(the "Lender") of the same date and covering the property described in the Security
Instrument and located at:
129, 131 , 133 2nd St
Enola, PA 17025 Prop" AWMN
1-4 FAMILY COVENANTS. In addition to the covenants and agreements made in the
Security Instrument, Borrower and Lender further covenant and agree as follows:
A. ADDITIONAL PROPERTYSUBJECTTO THE SECURITY INSTRUMENT. In addition
to the property described in the Security Instrument, the following items now or hereafter
attached to the property to the extent they are fixtures are added to the property description,
and shall also constitute the Property covered by the Security Instrument: building materials,
appliances and goods of every nature whatsoever now or hereafter located in, on, or used,
or intended to be used in connection with the Property, including, but not limited to, those
for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and
light, fire prevention and extinguishing apparatus, security and access control apparatus,
plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators,
dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens,
blinds, shades, curtains and curtain rods, attached mirrors, cabinets, panelling and attached
MULTISTATE 1-4 FAMILY RIDER Fa m 31709190
C-60151.T (01101) Page 1 Of 4 (Replace 2=)
8KI938PGI101
floor coverings now or hereafter attached to the Property, all of which, including
replacements and additions thereto, shall be deemed to be and remain a part of the Property
covered by this Security Instrument. All of the foregoing together with the Property
described in the Security Instrument (or the leasehold estate if the Security Instrument is on
a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the
"Property."
B. USE OF PROPERTY;COMPLIANCEWITH LAW. Borrower shall not seek, agree
to or make a change in the use of the Property or its zoning classification, unless Lender has
agreed in writing to the change. Borrower shall comply with all laws, ordinances, regulations
and requirements of any governmental body applicable to the Property.
C. SUBORDINATE LIENS. Except as permitted by federal law, borrower shall not
allow any lien inferior to the Security Instrument to be perfected against the Property without
Lender's prior written permission.
D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in
addition to the other hazards for which insurance is required by Uniform Covenant 5.
E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Uniform Covenant 19 is
deleted.
F. BORROWER'S OCCUPANCY. With regard to non-owner occupied Investment
properties, the first sentence in Uniform Covenant 6 concerning Borrower's occupancy of the
Property is deleted. For all properties, all remaining covenants and agreements set forth in
Uniform Covenant 6 shall remain in effect.
G. ASSIGNMENT OF LEASES. Upon Lender's request, after default, Borrower shall
assign to Lender all leases of the Property and all security deposits made in connection with
leases of the property. Upon the assignment, Lender shall have the right to modify, extend
or terminate the existing leases and to execute new leases, in Lender's sole discretion. As
used in this Paragraph G, the word "lease" shall mean "sublease" if the Security Instrument
is on a leasehold.
H. ASSIGNMENTOFRENTS;APPOINTMENTOFRECEIVERI.ENDERN POSSESSION.
Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and
revenues ("Rents") of the Property, regardless of to whom the Rents of the Property are
payable. Borrower authorizes Lender or Lender's agents to collect the Rents, and agrees that
each tenant of the Property shall pay the Rents to Lender or Lender's agents. However,
MULTISTATE 1-4 FAMILY RIDER Form 31709M
C-6015LT (01/01) Page 2 of4 (Replaces 2100)
BKI938PG1102
1742209913
Borrower shall receive the Rents until (i) Lender has given Borrower notice of default pursuant
to Paragraph 22 of the Security Instrument and (ii) Lender has given notice to the tenant(s)
that the Rents are to be paid to Lender or Lender's agent. This assignment of Rents
constitutes an absolute assignment and not an assignment for additional security only.
If Lender gives notice of breach to Borrower: Q) all Rents received by Borrower shall
be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums
secured by the Security Instrument; (ii) Lender shall be entitled to collect and receive all of
the Rents of the Property; (iii) Borrower agrees that each tenant of the Property shall pay all
Rents due and unpaid to Lender or Lender's agents upon Lender's written demand to the
tenant; (iv) unless applicable law provides otherwise, all Rents collected by Lender or
Lender's agents shall be applied first to the costs of taking control of and managing the
Property and collecting Rents, including, but not limited to, attorney's fees, receiver's fees,
premiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes,
assessments and other charges on the Property, and then to the sums secured by the
Security Instrument; (v) Lender, Lender's agents or any judicially appointed receiver shall be
liable to account for only those Rents actually received; and (vi) Lender shall be entitled to
have a receiver appointed to take possession of and manage the Property and collect the
Rents and profits derived from the Property without any showing as to the inadequacy of the
Property as security.
If the Rents of the Property are not sufficient to cover the cost of taking control of
and managing the Property and of collecting the Rents any funds expended by Lender for
such purposes shall become indebtedness of Borrower to Lender secured by the Security
Instrument pursuant to Uniform Covenant 9.
Borrower represents and warrants that Borrower has not executed any prior
assignment of the Rents and has not and will not perform any act that would prevent Lender
from exercising its rights under this paragraph.
Lender, or Lender's agents or a judicially appointed receiver, shall not be required to
enter upon, take control of or maintain the Property before or after giving notice of default
to Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do
so at any time when a default occurs. Any application of Rents shall not cure or waive any
default or invalidate any other right or remedy of Lender. This assignment of Rents of the
Property shall terminate when all the sums secured by the Security Instrument are paid in
full.
1. CROSS -DEFAU UPROVISION. Borrower's default or breach under any note or
agreement in which Lender has an interest shall be a breach under the Security Instrument
and Lender may invoke any of the remedies permitted by the Security Instrument.
MULTISTATE 1-4 FAMILY RIDER
G6015L T (o uo l) Page 3 of 4 (tepkm 2/00)
F- 11709Ao
81i1938PG1103
- r
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions
contained in this 1-4 Family Rider.
JAN 2 0 2006
4Tb?mas Olszowka Date Applicant Date
Applicant Date
MULTISTATE 1-0 FAMILY RIDER
C-6015LT (01/01) Page 4 of 4 (Replaces 7100)
Applicant Date
Form 31709190
DyKI938PG1104
VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER
NOTICE: THIS LOAN IS NOT ASSUMABLE
WITHOUT THE APPROVAL OF THE DEPARTMENT
OF VETERANS AFFAIRS OR ITS AUTHORIZED
AGENT.
THIS VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this20th day of
January, 2006 , and is incorporated into and shall be deemed to amend and
supplement the Mortgage, Deed of Trust or Deed to Secure Debt (herein "Security
instrument") dated of even date herewith, given by the undersigned (herein "Borrower") to
secure Borrower's Note to
JPMorgan Chase Bank, N.A.
(herein "Lender") and covering the Property described in the Security Instrument and located
at
129, 131 , 133 2nd St
Enola, PA 17025
[Property Address]
VA GUARANTEED LOAN COVENANT: In addition to the covenants and agreements made in
the Security Instrument, Borrower and Lender further covenant and agree as follows:
If the indebtedness secured hereby be guaranteed or insured under Title 38, United States
Code, such Title and Regulations issued thereunder and in effect on the date hereof shall
govern the rights, duties and liabilities of Borrower and Lender. Any provisions of the Security
Instrument or other instruments executed in connection with said indebtedness which are
inconsistent with said Title or Regulations, including, but not limited to, the provision for
payment of any sum in connection with prepayment of the secured indebtedness and the
provision that the Lender may accelerate payment of the secured indebtedness pursuant to
Covenant 18 of the Security Instrument, are hereby amended or negated to the extent
necessary to conform such instruments to said Title or Regulations.
1742209913
MULTISTATE VA GUARANTEED AN AND ASSUMPTION POLICY RIDER
db 538R (0405) /?
Page 1 of 3 Initials: v `
VMP Mortgage Solutions, I I
(800)521-7291
OKI938PG1 105
LATE CHARGE: At Lender's option, Borrower will pay a "late charge" not exceeding four per
centum (4%) of the overdue payment when paid more than fifteen (15) days after the due
date thereof to cover the extra expense involved in handling delinquent payments, but such
"late charge" shall not be payable out of the proceeds of any sale made to satisfy the
indebtedness secured hereby, unless such proceeds are sufficient to discharge the entire
indebtedness and all proper costs and expenses secured hereby.
GUARANTY: Should the Department of Veterans Affairs fail or refuse to issue its guaranty in
full amount within 60 days from the date that this loan would normally become eligible for
such guaranty committed upon by the Department of Veterans Affairs under the provisions of
Title 38 of the U.S. Code "Veterans Benefits," the Mortgagee may declare the indebtedness
hereby secured at once due and payable and may foreclose immediately or may exercise any
other rights hereunder or take any other proper action as by law provided.
TRANSFEROF THE PROPERTY:This loan may be declared immediately due and payable upon
transfer of the property securing such loan to any transferee, unless the acceptability of the
assumption of the loan is established pursuant to Section 3714 of Chapter 37, Title 38,
United States Code.
An authorized transfer ("assumption") of the property shall also be subject to additional
covenants and agreements as set forth below:
(a) ASSUMPTION FUNDING FEE A fee equal to
( %) of the balance of this loan as of the date of transfer of the property
shall be payable at the time of transfer to the loan holder or its authorized agent, as trustee
for the Department of Veterans Affairs. If the assumer fails to pay this fee at the time of
transfer, the fee shall constitute an additional debt to that already secured by this instrument,
shall bear interest at the rate herein provided, and, at the option of the payee of the
indebtedness hereby secured or any transferee thereof, shall be immediately due and payable.
This fee is automatically waived if the assumer is exempt under the provisions of 38 U.S.C.
3729 (c).
(b) ASSUMPTION PROCESSING CHARGI= Upon application for approval to allow
assumption of this loan, a processing fee may be charged by the loan holder or its authorized
agent for determining the creditworthiness of the assumer and subsequently revising the
holder's ownership records when an approved transfer is completed. The amount of this
charge shall not exceed the maximum established by the Department of Veterans Affairs for a
loan to which Section 3714 of Chapter 37, Title 38, United States Code applies.
(c) ASSUMPTION INDEMNITY LIABILITY: If this obligation is assumed, then the assume(
hereby agrees to assume all of the obligations of the veteran under the terms of the
instruments creating and securing the loan. The assumer further agrees to indemnify the
Department of Veterans Affairs to the extent of any claim payment arising from the guaranty
or insurance of the indebtedness created by this instrument.
1742209913
Ct.538R (0405)
Initials:
Page 2 of 2 of 3 "'--- "`
BOXI938PG1106
r
' - ' . .-
IN WITNESS WHEREOF, Borrower(s) has executed this VA Guaranteed Loan and Assumption
Policy Rider.
-Borrower Thomas Olszowka -Borrower
-Borrower -Borrower
-Borrower -Borrower
-Borrower -Borrower
1742209913
Ck-53aR (0405) Page 3 of 3
! Certify this to be recorded
in Cumberland County PA
Recorder of Deeds
BK 19 3.8 PG 1 107
SCHEDULE C
Legal Description
Commitment Number: GR05-1286REP
ALL THOSE CERTAIN tract of house and land situate in East Pennsboro Township (formerly West Fairview
Borough), Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit:
TRACT NO. 1 - BEGINNING at a point in the line of Second Street (formerly known as Main Street) 25 feet 8
inches, more or less, from the dividing line between Lots Nos.- 17 and 18, corner of land now or formerly of Alice
C. Disney, widow; thence along the line of said other land. now or formerly of Alice C. Disney, widow, and through
the center of the partition wall between premises numbered 129 Second Street and premises numbered 131
Second Street adjacent thereto on the North, a distance of 139 feet to a point; thence In a southerly direction, a
distance of 12 feet 10 inches, more or less, to a point; thence in a westerly direction 139 feet to a point in the line
of Second Street aforesaid; thence along said line of Second Street in a northerly direction, a distance of 12 feet,
10 inches, more or less, to a point at the line of the other land now or formerly of Alice C. Disney, widow, at the
place of BEGINNING.
BEING Parcel Number 45-17-1044-236.
TRACT NO. 2 - BEGINNING at a point in the line of Second Street, (formerly known as Main Street), 12 feet, 10
inches, more or less, South of the dividing line between Lots Nos. 17 and 18, corner of lot now or late of Robert
W. Karns and Dorothy M. Karns; thence along the line of said Second Street, in a southerly direction, a distance
of 12 feet 10 inches, more or less, to a point in said line of Second Street; thence along the line of other land now
or formerly of Alice C. Disney, in an easterly direction and through the center of the partition wall between
premises numbered 131 Second Street and conveyed hereby, and premises numbered 129 Second Street,
adjacent hereto on the South, a distance of 139 feet to a point; thence in a Northerly direction 12 feet 10 inches,
more or less, to a point on the line of land now or late of Robert W. Karns and Dorothy M. Karns, his wife,
aforesaid; thence along said line of lands now or late of Robert W. Karns and Dorothy M. Karns, his wife, in a
westerly direction a distance of 139 feet to a point in the line of Second Street aforesaid, at the place of
BEGINNING.
BEING Parcel Number 45-17-1044-235.
TRACT NO. 3 - BEGINNING at a corner on the eastern line of Second Street between Lots Nos. 17 and 18;
thence eastwardly a distance of 139 feet to a point; thence South a distance of 11.6 feet to a point; thence West,
through the center of a partition wall, a distance of 139 feet*to a point; thence North a distance of 11.6 feet to a
point, the place of BEGINNING.
BEING part of Lot No. 18 on the original Town Plot'of West Fairview.
AS SURVEYED by D.P. Raffensperger on January 29, 1953.
HAVING THEREON erected a two-story frame dwelling house known as No. 133 Second Street.
BEING Parcel Number 45-17-1044-234.
STEWART TITLE
GUARANTY COMPANY
nu 1938PG I 108
VI:RIFICATION
Whitney K. Cook , Assistant Secretary, and duly authorized representative ol'Chase
l lomc finance LLC, s/b/m/t Chase Manhattan Mortgage Corporation, deposes and says, subject
to the penalties of 18 Pa. C.S.A Section 4904, relating to unsworn falsification to authorities, that
the facts set forth in the foregoing Complaint are true and correct to his/her knowledge,
information and belief.
'.Mortgage Corporation
, Assistant Secretary
Chase home finance LLC, s/b/m/t
0
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MAY 2 6 2009
Sheriffs Office of Cumberland County
R Thomas Kline ,?r of climber Edward L Schorpp
Sheriff g Solicitor
z?F•
Ronny R Anderson Jody S Smith
Chief Deputy P OF '"E sRERIFr Civil Process Sergeant
Chase Home Finance LLC
VS. Case Number
.
Thomas Olszowka 2009-3706
SHERIFF'S RETURN OF SERVICE
06/05/2009 R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent search and
inquiry for the within named defendant, to wit: Thomas Olszowka, but was unable to locate him in his
bailiwick. He therefore deputized the Sheriff of Dauphin County, PA to serve the within Complaint In
Mortgage Foreclosure according to law.
06/15/2009 08:30 AM - Dauphin County Return: And now June 15, 2009 at 0830 hour I, Jack Lotwick, Sheriff of
Dauphin County, Pennsylvania, do herby certify and return that I served a true copy of the within
Complaint, upon the within named defendant, to wit: Thomas Olszowka by making known unto himself
personally, defendant at 919 Gibson Blvd., Steelton, PA 17113 its contents and at the same time handing
to him personally the said true and correct copy of the same.
SHERIFF COST: $37.44
June 17, 2009
SO ANSWERS,
fo r R THOMAS KLINE, SHERIFF
_
!? i
timmixt of
Mary Jane Snyder Charles E. Sheaffer
Real Estate Depu Chief Deputy
William T. Tully Michael W. Rinehart
Solicitor Assistant Chief Deputy
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 780-6590 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania CHASE HOME FINANCE LLC, ET AL
VS
County of Dauphin THOMAS OLSZOWKA
Sheriffs Return
No. 2009-T-1580
OTHER COUNTY NO. 20093706
And now: JUNE 15, 2009 at 8:30:00 AM served the within COMPLAINT upon THOMAS
OLSZOWKA by personally handing to THOMAS OLSZOWKA 1 true attested copy of the original
COMPLAINT and making known to him/her the contents thereof at WORK RELEASE 919 GIBSON
BLVD STEELTON PA 17113
Sworn and subscribed to
before me this 15TH day of June, 2009
NOTARIAL SEAL
ARY JANE SNYDER, Notary Public
Highspire, Dauphin County
[my Commission Expires Set 1 2010
So Answers,
cx/-? ?
Sheriff of Dauphin County, Pa.
By ffC' k
Deputy Sheriff
Deputy: M EMBREY
Sheriffs Costs: $47.25 6/8/2009