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HomeMy WebLinkAbout07-24-09---~ REV-1500 1505607120 PA Department of Revenue EX (06-05) Bureau of Individual Taxes OFFICIAL USE ONLY Po BOX.280601 INHERITANCE TAX RETURN County Code Year File Number Harrisburg, PA 17128-0601 RESIDENT DECEDENT 21 0 g ENTER DECEDENT INFORMATION BELOW 0 0 8 91 Social Security Number Date of Death 176347753 Date of Birth 12162007 06031942 Decedent's Last Name LANT Z Suffix Decedent's First Name MI JUDITH (If Applicable) Enter Surviving Spouse's Information Below I' Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE FILL IN APPROPRIATE OVALS BELOW REGISTER OF WILLS ^ 1. Original Return ® 2. Supplemental Return ^ 3. Remainder Return (date of death ^ 4. Limited Estate ^ qa Future Interest Compromise Priof to 12-13-82) (date of death after 12-12-82) ^ 5. Federal Estate Tax Return Required ^ g. Decedent Died Testate (Attach Copy of Will) ^ 7- Decedent Maintained a Living Trust (Attach Copy of Trust' ____ 8. Total Number of Safe Deposit Boxes ^ 9. Litigation PfoceedS Received ^ 1 p Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) ^ 11. Election to tax under Sec. 9113(A) Name CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX NFORMATIO) JAMES M R O B I N S O N Daytime Telephone Numbe BE DIRECTED TO: Firm Name (If Applicable) 717 2 4 5 9 6 8 8 TURO LAW OFFICES REGISTER t~ V)IFgLS USE fl~ILY First line of address _ _- ~ ~ i 28 S . PITT STREET ` ~ f"~' ` '-I r ._ , Second Tine of address 1 . . -- ~' ~ _ - City or Post Office - : ~ ~.~ CARLISLE State ZIP Code DA#E FILED ~.. - PA 17 013 ~" --7 Correspondent'se-mail address: JRobinson@TuroLaw.cOm it is trueecorrect andecoumpleteeCDeclaratton of preparetr othter than thelperso al representatroe is based on all information SIGMA 9 ccompanying schedules and statements, and to the best of my knowledge and belief, E OF PERSON R P NSI FOR FILING RETURN of which preparer has any knowledge. Sharon R. Lantz DATE A RESS ~ _ ~ ~~ 304 Hogestown Road, Me anicaburg, Pq 17050 SIGN URE OF PREPARER THE A RESENTATIVE James M Robinson DATE A ESS ~7-a~-vq S. Pitt Stre t, Carlisle, PA 17013 L Side 1 1505607120 1505607120 J .J -__1 1505607220 REV-1500 EX Decade"`,SName: LANTZ, JUDITH L __ RECAPITULATION 1. Real Estate (Schedule A) .......................................................................................... 1. 2. Stocks and Bonds (Schedule B) ........................ ............................... ...... .................. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3 Decedent's Social Security Number 176347753 4. Mortgages & Notes Receivable (Schedule D) .......................................................... 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ................ 5. 6. Jointly Owned Property (Schedule F 7. Inter-Vivos Transfers & Miscellaneous N~-p obate ProplertyRequested ............. g. (Schedule G) ^ Separate Billing Requested ............. 7. 8. Total Gross Assets (total Lines 1-7).....,..... -- -____- ..... 8. Funeral Expenses & Administrative Costs (Schedule H)............ ............................. s. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................................ 10. 11. Total Deductions (total Lines 9 & 10) ...................................................................... 11. 12. Net Value of Estate (Line 8 minus Line 11) .............................................................12. 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ............................ . .~. 14. Net Value Subject to Tax (Line 12 minus Line 13)......... - - --- ...... 4. - ---- _ ___ __ TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES _-- 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 16. Amount of Line 14 taxable 15. at lineal rate X .045 17. Amount of Line 14 taxable - 7 5 ~ 111.7 0 16. at sibling rate X .12 18. Amount of Line 14 taxable 17. at collateral rate X .15 18. 19. Tax Due ...................................................................................................................19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. 0.00 75,111.70 75,111.70 -75,111.70 -75,1.11.70 -3,380.03 -3,380.03 l_ Side 2 1505607220 1505607220 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 _ 08 _ 00891 Lantz, Judith L --- --- - - --- ----- --- -- STREET ADDRESS _-- --- -- -- -- 304 Hogestown Road IVlechanlCSburg STATE - ZIP PA 17050 Tax Payments and Credits : 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit (1) -3,380.03 --- B. Prior Payments C. Discount ----------- 3. Interest/Penalty if applicable Total Credits (A + g + C) D. Interest (2) - 0.00 - E. Penalty -- _ - __ - enalty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYME h (3) - 0.00 - NT eck box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the differ (4) 3, 380.03 ence. This is the TAX DUE. A. Enter the interest on the tax due. (5) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. - (5A) (56) ~ . 0 Make Check Payable to: REG/STER OF W/LLS , AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN " " X IN THE APPRO PRIATE BLO 1. Did decedent make a transfer and: CKS a. retain the use or income of the property transferred :........................................ Yes No b. retain the right to designate who shall use the roe transferred or its income;..... Lx~ c. retain a reversionary interest; or ...................... P p ~ f- J ......... ............L ~ ~X~ d. receive the promise for life of either payments, benefits or care? ............... ~~ ~ ~ ~ ~'~~ .............................................. 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without _ [x] receiving adequate consideration? ............... 1 ~X~ ... . ............................................... . 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... r~ I ~ x 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which ___ x~ contains a beneficiary designation? ................. I I L ' IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF ~T --- - ------- ---- For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or forth HE RETUR surviving spouse is three 3 T ---- ( )percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is f the (0) percent p2 P.S. 9116 a 1.1 a The statute doesdoes n~mpt a transfer to a surviving spouse from tax, and the statutory requiremen zero for disclosure of assets and filing a)tax]return are still applicable even if the surviving spouse is the onl benef For dates of death on or after July 1, 2000: y iciary, is The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero 0 The tax rate imposed on the net value of transfers to or for the use of he de dent s I Heal benef icaaries is four and one-half (4.5) ercen except as noted in 72 P.S. §9116 1.2) (72 P.S. §9116 (a) (1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve 12 P t sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or ado do ( )Percent [72 P.S. §9116 (a) (1.3)]. A p n. SCHEDULEI DEBTS OF DECEDENT, MORTGAGE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN LIABILITIES, & LIENS RESIDENT DECEDENT ESTATE OF Lantz, Judith L Include unreimbursed medical expenses. _- ITEM _ ___ _. ____ NUMBER DESCRIPTION __ 1 Homecomings Financial Co. -Mortgage Loan No. 7423005305 Judith Lantz is the sole creditor -- FILE NUMBER 21 - 08 - 00891 AMOUNT 75,111.70 TOTAL (Also enter on Line 10, Recapitulation) 75,111.70 Turo Law Offices RON TURD, Esquire - Of Counsel GALEN R. WALTZ, Esquire JAMES M. ROBINSON, Esquire LORIN A. SNYDER, Esquire MEMORANDUM TO: PA Department of Revenue FROM: James M. Robinson, Esquire DATE: July 24, 2009 RE: Estate of Judith L. Lantz File No. 21-08-00891 www, TuroLaw, com 28 South Pitt Street Carlisle, Pennsylvania 17013 (717) 245-9688 (800)562-9778 Fax (717) 245-2165 I was recently informed that the outstanding balance of this decedent's mortgage loan was not included on Schedule I of the Inheritance Tax Return filed on September 10, 2008. The attached Supplemental Inheritance Tax Return is intended to correct this oversi ht. subject mortgage was in the name of the decedent only and has since been paid in u II and e satisfied of record by the Estate. Attached to this supplemental return are copies of the original, accepted Inheritance Tax Return, a statement from the Mortgagee, Homecomings Financial, the Mortgage and Satisfaction Piece. Please correct this return and issue a refund for the inheritance tax overpayment. If you need any additional information or documentation regarding this matter, please do not hesitate to contact me. ~~~~-~ tnc :~utsiL nULNS10N BUREAU OF INDIVIDUAL INHERITANCE TAX DIVISION PO BOX 280601 HARRISBURG PA 17128-0601 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE TAXES NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX RON TURD TURO LAW OFCS 28 S PITT ST CARLISLE PA 17013 DATE 12-15-2008 ESTATE OF LANTZ DATE OF DEATH 12-16-2007 JUDITH FILE NUMBER 21 08-0891 COUNTY CUMBERLAND ACN 101 APPEAL DATE: 02-13-2009 (See reverse side under Objections) Amount Remitted( - MAKE CHECK PAYABLE AND REMIT PAYMENT T0: L REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CUT ALONG THIS LINE CARLISLE, PA 17013 ------------ _ ~ R_ETA_IN LOWER POR_TION_ FOR YOUR RECORDS ~ REV-1547 EX AFP C03-05) NOTICE OF INHERITANCE TAX APPRAISEMENT, ------------------------ _____ DISALLOWANCE OF DEDUCTIONS AND ASSESSMENTAOFOTAXCE OR -- ESTATE OF LANTZ JUDITH L FILE N0. 21 08-0891 er_u 1 ni TAX RETURN WAS: CX) ACCEPTED AS FILED ++w~t 1L-1'~-2008 RESERVATION CONCERNTNr_ ri~r,~e.- ~ ) CHANGED APPRAISED VALUE OF RETURN,BASEDryON!(EST - SEE REVERSE 1. Real Estate (schedule A) ORIGINAL RETURN 2. Stocks and Bonds (Schedule B) 3. Closely Held Stock/Partnership Interest (Schedule C) 4. Mortgages/Notes Receivable (Schedule D) 5. Cash/Bank Deposits/Misc. Personal Property (Schedule E) 6. Jointly Owned Property (Schedule F) 7. Transfers (Schedule G) B• Total Assets APPROVED DEDUCTIONS AND EXEMPTIONS: 9. Funeral Expenses/Adm. Costs/Misc. Expenses (Schedule H) 10. Debts/Mortgage Liabilities/Liens (Schedule I) 11. Total Deductions 12. Net Value of Tax Return 13. Charitable/cover C1) 109,462.50 NOTE: To insure proper C2) ,00 credit to your account, (3) 00 submit the upper portion C4) .00 of this form with your tax payment. c5) 2 620.23 c6) .00 ~~) .00 ca) 112, 082.73 C9) 14, 911 .42 Clo) .00 C11) _ 14 917 r nmental Bequests; Non-elected 14. Net Value of E 9113 Trusts (Schedul (12) 9 7,171.31 state Subj ect to Tax e J) C13) .00 NOTE: If an reflec assessment was t figures th issued previously , lines 14 C14) 97,171.31 ASSESSMENT OF at TAX include the total of ALL , 15 and/or returns 16, 17, 18 and 19 will 15. Amount of : Line 14 assess ed to date. at Spousal rate 16. Amount of Line 14 taxable at Lineal/Class A C15) •00 X 00 = .00 17. Amount of Line 14 at sibling rate rate C16) 97, 171.31 X 045 = 4, 372.71 1B. Amount of Line 14 taxable at Collateral/Class B '00 X 12 = .00 19. Principal Tax Due ra te Clg) • 00 15 SAX CREDITS: X - . 00 PAYMENT RECEIPT C19)= 4, 372.71 DATE NUMBER DISCOUNT C+) 09-10-2008 CD010251 INTEREST/PEN PAID (_) AMOUNT pglD . 00 4,372.71 * IF PAID AFTER DATE INDICATED, SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. TOTAL TAX CREDIT BALANCE OF TAX DUE 4'372.71 INTEREST AND PEN. •00 .00 TOTAL DUE .00 C IF TOTAL DUE IS LESS THAN S1, NO PAYMENT IS REgUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR). vnn Mnv e A REFUND- crr or.,~...._ ___ ~ ...._ REV-1547 EX AFP (06-05) E~®1 ~®® 15056041147 PA Department of Revenue EX (06-05) OFFICIAL USE ONLY Bureau of Individual Taxes PO 80X.280601 ~ County Code year ~ INHERITANCE TAX RETURN Fide Number Harrisburg, PA 17128-0601 `~ RESIDENT DECEDENT 2 1 0 8 ENTER DECEDENT INFORMATION BELOW 0 0 8 9 1 Social Security Number Date of Death Date of Birth 176347753 12162007 06031942 Decedent's Last Name LANT Z Suffix Decedent's First Name MI JUDITH (If Applicable) Enter Surviving Spouse's Info L rmation Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED fN DUPLICATE WITH THE FI REGISTER OF WILLS LL IN APPROPRIATE OVALS BELOW ® 1 Original Return ^ 2. Supplemental Retum ^ 3. Remainder Return (date of death ^ 4. Limited Estate ^ prior to 12-13-82) qa Future Interest Compromise (date of death after iz-i2-sz) ^ 5. Federal Estate Tax Return Regwred ® g Decedent Died Testate (Attach Copy of uVll) ^ 7. Decedent Maintained a Living Trust (Attach Copy of Trust) O 8 ^ 9 Litigation Proceeds Received . Total Number of Safe Deposit Boxes ^ 1 U Spousal Poverty Credit (date of death between 72-31-91 and 1-1-95) ^ 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND C Name RON TURD ONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Daytime Telephone Numb er Firm Name (If Applicable) 717 2 4 5 9 6 8 8 TURD LAW OFFICES. REGISTER OF WILLS USE ONLY First line of address 28 S . PITT ST . n h..., Second sine of address ;:~ ~ o `~? `'~ v __ C~ ~ . ..,~ ~ City or Post Office _ ~~ DAT~FILED~ ~ ~ State CARLISLE ZIP Code ..~ ~ ^'1 ` _ r ~ r _ P A 17 013 ~ ~~=z~ = #- ~ , - ~' --r -.:. ~ Correspondent's a-mail address: -'-~, ~ -- ~ ` ~ - ~. ) P 9 rY, V7 Under penalties of e u I declare that I have examined this return, including accompanying schedules and statements it is true, correct and complete. Declar tion of reparer other than the d SIGNATURC-~F PERSON RESPONSIA E OR FJ G RETURN ~ ~ , an to the best of my knowledge and belief personal representative is based on all information of which preparer has any knowledge. ~ ~ °'"ADDRESS D TE Sharon R. Lantz - `I~/U /G~ j 304 Hoges own R d oa , Mec nics SIGNATURE OF P E ER THEf THAN , PA 17050 ~ TATIVE ~ AD /1 ~~ qAT Ron Turo ~ ~ ,~ DRESS C~ 28 S. Pitt St., Carlisle, PA 17013 ~ ~ Side 1 15056041147 15056041147 15056042148 REV-1500 EX Decedent's Name L A N TZ , JUDITH L -- Decedent's Social Security Number ----- ---- ECAPITULATION ---__ 176347753 _____ _ _ 1 Real Estate (Schedule A)...._....... _..._. _ .. ._....._._. _..........,._._.... _.... 1. 10 9 , 4 62.5 0 2 Stocks and Bonds (Schedule B)...._.._...._ . _......._......_...._ .............._......... ..... 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... ..... 3. 4 Mortgages & Notes Receivable (Schedule D) .............. .......... _.. 4. 5 Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) _....._.... _._ 5. 2 ,620.23 6. Jointly Owned Property (Schedule F ^ Separate Billing Requested ......... 7 Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) .... 6. ^ Separate Billing Requested._.... _.. 7. 8 Total Gross Assets (total Lines 1-7) ................................ ...................... - ... s. 112,082.73 9. Funeral Expenses & Administrative Costs (Schedule H) ......_..........._......_._._.._ .. g 14,911.42 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) .............. 10. 11 Total Deductions (total Lines 9 & 10) ................ ........... ......... . .................... - 11. 4 911 4 2 ' 12. Net Value of Estate (Line 8 minus Line 11) ................ ....... 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not bee 12 9 7 ~ 1 7 1 - 3 1 n made (Schedule J) ............... ............. . 13. 14. Net Value Subject to Tax (Line 12 minus Line 13)..... . . ................................. TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES _ 1a. 9 7 , 171.3 1 15. Amount of Line 14 taxable - at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 is. Amount of Line 14 taxable 15. at lineal rate X .045 9 7, 1 7 1. 3 1 17. Amount of Line 14 taxable 16. 4 , 3 '] 2 7 1 at sibling rate X .12 18. Amount of Line 14 taxable 17 at collateral rate X .15 18. 19. Tax Due_.........._._... _........_ .........................___..............._....._.............. 19. 4,372.71 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. 15056042148 amide c 15056042148 REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 _ pg _ 00891 Lantz, Judith L STREET ADDRESS ---- - - -- --- --- - --------------- -- 304 Hogestown Road - __ .. echanicsburg sTATE ,zIP ----- - ----_ PA i 17050 Tax Payments and Credits: 1 Tax Due (Page 1 Line 19) 2. Credits/Payments (1) _ 4,372.71 A. Spousal Poverty Credit --- ----- B. Prior Payments - - _ _ ___ Discount -- - 3. InteresUPenalty if applicable Total Credits (A + g + C D Interest ) (2) 0.00 E Penalty ------ - ----------- --- 4- If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENTPenalty (D + E) - (3) _ 0.00 Check box on Page 2 Line 20 to request a refund (4) _ 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. (5) 4, 3 72.71 B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5A) (5B> 4,372.71 Make Check Payable to: REG/STER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROP RIATE BLOCKS 1. Did decedent make a transfer and: a. retain the use or income of the property transferred :.................... Yes No _ ............................__._.......... ~ u b. retain the right to designate who shall use the property transferred or its income;.__........ .. c. retain a reversionary interest; oc .................................._...._................._..._..._....._............._ _.............. ~ ~~ d. receive the promise for life of either payments, benefits or care?........-.., _^ ..._ ................ D ~_, ....... x 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?......._ .............................._........__...._.....__........................___ ........._...... 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?_. L-I 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which ^ contains a beneficiary designation? ................................... _ ......... . x _ LJ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for th surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. e use of the For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute doesdoes n~mpt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [; 2 P.S. §S116 (a} (1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half 4.5 except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)]. ( )percent, The tax rate imposed an the net value of transfers to or for the use of the decedent's siblings is twelve i2 ( )percent [72 P S. §9116 (a) (1.3}j. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. SCHEDULE A COM NO ERITANCEOTAX REnTURNANIA i REAL ESTATE RESIDENT DECEDENT ~ - __.__ ESTATE OF Lantz, Judlth L _ " j FILE NUMBER - - - -- -- - - _ ~ 21 - 08 - 00891 All real property owned sole)y or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a wilting seller, neither being compelled to buy or sell, both havin schedule F. reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on ITEM - _ NUMBER DESCRIPTION ----- - - - -___ VALUE AT DATE OF 1 304 Hogestown Road, Mechanicsburg, PA 1/2 Interest w/ Sharon R. Lantz - ---- - - _____ DEATH valued at assessed value x common level ratio 109,462.50 TGTAL (Also enter on Line i, Recapitlaiationj - i G~,462.~u SCHEDULE E CASH, BAFVK DEPOSITS, & IlI11SC. COMMONWEALTH Of PENNSYLVANIA PERSONAL PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT -- ___=__ - -- ____ ESTATE OF Lantz, Judith L -- - ----- FILE NUMBER __ -___ _ - - X21 - 08 - 00891 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the ri ht of survivorship must be disclosed on schedule F. 5 ITEM --- --- - NUMBER DESCRIPTION -------- --- -----____ _ VALUE AT DATE OF 1 Members 1st Federal Credit Union Acct. No. 259155-00 --------- _ DEATH 1/2 Interest with Sharon R. Lantz 250.80 2 Mifflinberg Bank & Trust Co. Acct. No. 1070892501 1/2 Interest with Sharon R. Lantz 31.44 3 Fidelity Investments Acct. No. 2BZ-248401 325.49 4 Natixis Funds Acct. No. 3007872069 2,012.50 TvTAL (Also enter on Line ;, Recapituiationj L,bLU.L3 SCHEDULE H COMMONWEALTH Of PENNSYLVANIA FUNERAL r-~F+F.~OO0` O INHERITANCE 7Ax RETURN ~ ~' ° ~•' R~a7 OC RESIDENT DECEDENT A~~til~`T~Ary'7~ /~ ~^~ _._.__- ESTATE OF -- - ___ - - - - - Lantz, Judith L - -------___ _ -- -------- FILE NUMBER - Debts of decedent must be reported on Schedu - --- - -- - -------- _21=08 - 00891 -- = ---- ITEM _-------------------------- =- - --- - - _ _ NUMBER 'FUNERAL EXPENSES: DESCRIPTION - ---------- ______ AMOUNT A- 1 Parthemore Funeral Home & Cremation Services, Inc. 9, 320 82 -- B• ;ADMINISTRATIVE COSTS: ~ Personal Representative's Commissions d 5 6 Accountant's Fees i Tax Return Preparer's Fees 2,000.00 3,000.00 349.00 75.00 166.60 7. i Other Administrative Costs 1 j Social Security Number(s) / EIN Number of Personal Representative(s): Street Address City State Zip Year(s) Commission paid --- 2 ~ Attorney's Fees Turo Law Offices 3. ! Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) claimant Sharon R. Lantz Street Address 304 Hogestown Road city Mechanicsburg State PA Zip 17050 Relationship of Claimant to Decedent Daughter j Probate Fees Register of Wills Cumberland Law Journal TOTAL (Also enter on line 9, Recapitul ------- 1A e~.r wn REV-1513 EX+(g-00) - COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN I RESIDENT DECEDENT ESTATE OF --- - -- Lantz, Judith L SCHEDULE~1 BENEFICIARIES FILE NUMBER - ---- - ---_-- ---- --- _ ______ 21 - 08 - 00891 NUMBER NAME AND ADDRESS OF PERSON(S) RELATIONSHIP TO SHARE OF ESTATE _____-_ _____ RECEIVING PROPERTY DECEDENT (Words) AMOUNT OF ESTATE _____ - _- _ Do Not List Trustee(st -- ($$$) I, TAXABLE DISTRIBUTIONS[include outright spousal ----- - ------- ____ distributions, and transfers under Sec. 9116 (a) (1.2)J 1 Sharon R. Lantz ' 304 Hogestown Road :Daughter '~ One-Half Mechanicsburg, PA 17050 48,464.84 2 Ginger Husler 3 Northwood Manor Grandchild One-Quarter York Haven, PA 17370 24,232.42 3 !Heather Ledger ,' 24 Falcon Court Grandchile !One-Quarter Mechanicsburg, PA 17055 ~ 24,232.42 i I I ~ I I i Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, on Rev 1500 cover sheet ' II. iNQN-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS !NOT BEING MADE I B CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TnrAL GF PAR,T IE -ENTER TOTAL NOP!-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 r j .,OVER SHEETi ~.~?('! Jul, 23, 2009 8:14AM No, 0236 P, 2 CUSTOMER Ili! oRMertnN Name: Account Number: Home Phono #; PROPERTY ADDRE a JUDITN LANTZ 304 HOGESTOWN ROAD 7423005305 MECHANICSBURG PA 17050 (>17)768-8837 H_,mecomings Financial A GM,~C Company Vfslt us at www homewmings.com for account Information or to apply on-line, For questions on the servicing of your account, call 1-800-206-2901.. o~u,or~1, www~moeonn~o„o~o„ror:ea~ inxonrnuano2owm++ci,r, un #BWNI•(J Pv #1';w754Ga~gG262# ~rn~~~rrt~~~rlu~t~I~Inllt~'llll~~n~l~~~tu~~llu~rr~~trr~~ JUDITH LANTZ 304 HOGESTOwN RD MEChIANTCSBURG PA 17050-3120 '' Account Number Current Statement Date Maturity Date Interest Rate Current Principal Balance* Current Escrow Balance Interest Paid Year-to-Date Taxes Paid Year-to-Date 7423005305 ]anuary 01, 2008 February Ol, 2035 6,37500 575,111.70 S1,S56.94 $0.00 $0.00 MESSAGES Please see your 1098 Mortgage Interest Statement below. For your convenience, we have printed this information on an easily detachable form, Principal and Interest Subsidy/buydown Escrow Additional Products/Services Amount Past Due Outstanding Late Charges Other Total Amount Due Account Due Date 5466.62 50.00 5245.92 59,31 50,00 $0,00 $0.00 $741.85 01, 2008 'ThlS is your Principal Balance only, not the amount required to pay the loan In full. For payoff figures and mat ling instructs I ns Customer Care number above or you may obtain necessa ry payoff figures through our automated system (24 hours a day, 7 days aaweek),. FECIPIENT'S/LENDER'S name. address. and telephone number HOMECOMINGS FINANCIAL n n~r~,..^..~.__ _._ PO BOX 205 WATERLOO IA 5070402D5 800-206-2901 rcectrtENT'S fetleral idenli~Ca(;on no. PAYER'S social security number 51.0369458 176-34-7753 pnvER'S/BORROWER'S Hams, sweat address pncWamg apt, no.), City, state, and ZIP castle JUDITH LANTZ 304 HDGESTOWN RD MECHANICSBURG PA 17050-3120 ACCOUnt number (see inslruClipns) 7423005305 'Csutlon; t'ne amount enown may not b9 tUlly deduCtlbla by OMB Np. ~sas-0901 you Umi Mortgage , ts based on the loan amount end tnf eosr and value of the secured oropeny ma Interest y ~ O 0 apAlY, 41so, you may Doty tleduCl interest ~o th@ cxtenl ;i Statement was tncurrod py you. acmeny Copy B " -- paid by you, and not Substitute re~mbur3etl by anOthpr p~r!an. For payer Tng irllarrllali0n in b 1. Mortgage Interest recewea vom peyerlg)/bpFpy~r(;09B $ OxaS 1. 2, 3, and ~ is imponam tan infonnallon antl la bein 4,829.77 g IumistlCd to II1G• Internal 2 Pomle pats on pureness of prnetpet resltlence (5r:r. Box 2 un back) $ 0, 00 eQurea to a eiAeelluynu are a 3. Refund of overpaid interest (See bate 3 on oecpl $ ne n g gcncc penally or other sanction may be imposed on you a m n 0,00 e t S aerermtnes u~at d. Mortgage insurance premlumg an undo*payrnent of tax results because you overstated e $ 0.00 deduction For rhls mongaAe 5. Real Estate Taxes Paid $ ~^1eresl or for lheSC ooints or because you did nor 2 ~ 4 5-88 dS) report toss refund of tnteregl on yoW rCI M u ,_ Department of tna Treaaunr _ tmor.,e, o_..__ ,. ` ~~ des Prepazed By: HOMECOMINGS FINANCIAL NETWORK, INC. 2101 Rexford, Suite 168W Charlotte, NC 28211 Return To: HOMECOMINGS FINANCIAL NETWORK, INC. One Meridian Crossing, Ste- 100 Minneapolis MN 55423 Loan Number: O4Z.300530-5 Parcel Number: APN #1: 38-21-0291-060 APN #2: lypace Above This Line For Rceording Datal MORTGAGE DEFINITIONS MIN 100062604230053052 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regazding the usage of words used in this document aze also prorided in Section 16. (A) "Security Instrument" means this document, which is dated JANUARY 13TH, 2005 together with alt Riders to this document. (B) "Borrower" is , JUDITH L. LANTZ Borrower is the mortgagor under this Security Instrument . (~ "MERS" is Mortgage Electronic Registradan Systems, Inc. HERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns, ME12S is the mortgagee 'mfr ~~ Security Instrument. MFRS is organized and existing under the laws of Delawaze, and has an address and telephone member of P.O. Box 2026, Flint MI 48501-2026, tel. (888) 679-HERS. PENNSYLVANIA -Single Family -Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT WITH HERS Form 3039 t/01 MFPA7770 (11/2004) /042.300530-5 -6AIPA) loao~l Pape t of to Irocal.: II~II~III II„II II VMP Mortgage Soluee„e, Ina. (6001621- 201 ~I BK 1894PG29 19 /23/2009 1:27:37 PM °-' CUMBERLAND COUNTY (D)"tender"is HOMECOMINGS FINANCIAL NETWORK, INC. Lender is a CORPORATipN organized and existing under the laws of DELAWARE Lender's address is 2101 Rexford, Suite 166W CHARLOTTE, NC 28211 {E) "Note" means the promissory dote signed by Borrower and dated JANUARY 13TH, 2005 The Note states that Borrower owes Lender SEVENTY EIGHT THOUSAND AND NOf 100 Dollazs (U.S. $ 78 , 000.00 )plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1ST, 2035 ~) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late chazges due under the Note, and all sums due under this Security LLStrument, plus interest. (!~ "Riders" means all Riders to this Security Instrument that aze executed by Borrower. The following Riders aze to be executed by Borrower [check box as applicable]: Adjustable Rate Rider [] Condominium Rider Q Second Home Rider 0 Balloon Rider 0 Planned Unit Development Rider ~ 1-4 Family Rider 0 VA Rider Q Biweekly Payment Rider ®Other(s) [specify] Exhibit "A" (n "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. (,n "Community Association Dues, Pees, and Assessments" means alt dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (Iq "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. (L) "Escrow Items" means those items that aze described in Seconn 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, awazd 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; (iiJ 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 dre Property. (N) "Mortgage Insurance" means insurance protecting Lender against the novpayment of, or default on, the Loan. (O) "Periodic Payment" means the regulazly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. MFPA777D(il/2004) /042-300530-5 t~•BAIPA) wao~f Pape 7 of i6 i~ni r Form 3039 1101 BK { 894PG?92O 23/2009 1:27:37 PM CUMBERLAND COUNTY (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.P.R. Part 3500), as they might be amended from time to time, or any addrdonal or successor legislation or regulation that governs the same subject matter. As used in this Secunry 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. (ly "Successor in Interest of $oorower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note aadlor this Security Instrument. TRANSPER OP 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. Por this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MFRS, the following described property located in the COi1NTY [Type of Recording Jurisdiction) Of CUMBERLAND [Name of Recording Jurisdiction): Legal description attached hereto and made a part hereof which currently has the address of 304 HOGESTOWN ROAD [sueetl MECHANICSBURG ICiry],Pennsylvania 17050 {Zip code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and ali easements, appurtetlances, and fixtures now or hereafter a part of the property. All replacements and additions sha11 also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MFRS holds only legal tide to the mterests granted by Borrower rn this Security Instnrment, but, if necessary to comply with law or custom, MFRS (as nominee for Lender and Lender's successors and assigns) bas the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not &mited to, releasing and canceling this Security Instrument. MFPA7770(rl/2004) /042-300530-5 p~py ~.6A(pp) ~oaa~t Pye 3 0l 1 B Form 3039 1101 Blt 18 9'+ PG 2 9 2 i '/23/2009 1:27:37 PM CUMBERLAND COUNTY BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed oral 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 consfitute 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. Boaower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late chazges 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 subsequem 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 aze insured by a federal agency, insttvmentaliry, or entity; or (d) Electronic Funds Transfer. payments are deemed received by Lender when received at the location designated in Ute 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 paymem if the payment or partial payments aze insufficient to bring the Loan current. Lender may accept any paymem or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment 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 tithe, Lender shad either apply such funds or return them to Borrower. If rat applied earlier, such funds will be applied to the outstanding principal balance ubeer 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 paymems due under the Note and this Security in +m t or performing the covenants affil agreements secured by this 5ecuriry Instrument. Z. Application of Payrotrats 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) iffierest due under the Note; (b) Principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Perio&c 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 paymeffi received from Borrower to the repayment of the Periodic Payments if, and to the exte~t that, each paymem MFPA7770 (1112004) /042-300530-5 i~w .: ®•6A(PA) toaon P,g. a o+ +s Form 3039 1 /01 BK1 g94PG2922 t7t23i2009 1:27:37 PM CUMBERLAND COUNTY can be 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 chazges and then as described in the Note. Any application of payments, ~n,ranrp 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. Ftitnds 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 paymem 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 gayments 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 Ponds for Pscrow Items utiless Lender waives Borrower's obligation W pay the Funds for a~ or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Fins 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 sash time period as Leader may require. Borrower's obligation to make such payments a~ to provide receipts shall for all purposes be dee>~d 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 duectly, gutsuant 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 Ponds, 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 Ponds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under I2ESPA. 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 aze 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 Ponds to pay the Escrow Items no later than the time specified under I2ESPA. Lender shall not charge Borrower for holding and applying the Ponds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Ponds and Applicable Law permits Lender to make such a chazge. 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 imerest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest MFPA1776 (11!2004) !642-300536-5 ,";,;y[~ ~~ -BAIPAI ~oaot! P.p" 6 01 f 8 V Form 3039 1101 9K 1894PG2923 7/23!2009 1:27:37 PM CUMBERLAND COUNTY shall be paid on the Punds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by 12ESPA. 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 12ESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RPSPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under 1tESPA, 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. Boaower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Inshument, 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 paymem of the obligation secured by the lien in a manner acceptable to Lender, but only sa 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 these proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the Gen 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 aone-time charge for a real estate tax verification andlor 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 incnranrC. This incsm.,,ce 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 tine 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-tip charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deternrination and certification services and subsequent chazges 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. MFFA"1770 (112004) 1042-300530.5 inr -6AIPA) ~oao~~ a.oa a ,r i e Form 3039 1101 BK 1894PG2924 7/23/2009 1:27:37 PM CUMBERLAND COUNTY Ji~~+,« ~~~_ ... If Borrower fails to maintain any of the coverages described shove, 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 Lender, 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 in~+rranSP 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 beaz 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, Boaower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any farm of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause sad shall name Lender as mortgagee and/or as an addifional 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 ly~„ran~e was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is ecommically 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 Lender bas 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 ptomptiy. 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. Fces 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 Boaower 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 Mice from Lender that the insurance carrier has offered to settle a chtim, then Lender may negotiate and settle the claim. The 30~ay period will begin when the notice ss 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 -n~++,rn'nr and tb) 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, insofaz 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 w pay amounts unpaid under the Note or this Security Instrument, whether of not then due. MFPA7770 (I Il2004) /047.300530-5 r,w -6A(PA) roao~r P+a• ~ or re Form 3039 1101 8K 1894PG2925 )7/23J2009 1:27:37 PM CUMBERLAND COUNTY 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 contimre to occupy the Property as Borrower's principal residence for at least one yeaz after the daft of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservatloa, Maintenance and Protection of the Property; Inspections. Borrower shall ~t 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 deteralined 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 cottdemnadon 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. [f the inc~rrance or condemnation proceeds aze trot sufficient to repair or restore die Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agem 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 she time of or prior to such an interior itlspection specifying such reasonable cause. S. Borrower's Loao 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 competion with the Loan. Material representations include, but aze not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest 1n the Property and Rights Under this Security Instrument. [f (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, tb} there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Insttumem (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 aba~oned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Gender'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 die Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; tb) 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 4, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. t~fFPA7770 (il/?A04) /042-300530-5 ~n,~~ -6AIPA) ~oaa~i nave a or re form 3039 ~ 101 9X f 894PG2926 7/23/2009 1:27:37 PM CUMBERLAND COUNTY Any amounts disbursed by Leader tinder 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, wish such interest, upon notice from Lender m Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with aU the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee tide 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 provided such insurance and Borrower was required W make separately designated payments towazd the premiums for Mortgage Inc~ranse, 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 cantimre 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 anon-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 coverage (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 sha31 pay the premiums required to maintain Mortgage Insurance in effect, or to provide anon-refmdable 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 are on terms and conditions that aze 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, nay purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be chazacterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for shaziog at modifying the mortgage inster's risk, or reducing losses. If such agreemem provides that an affiliate of Lender takes a shaft of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinananre.' Further: (a) Any such agreements will not atFect the amounts that Borrower has agreed to pay For Mortgage Insurance, or any older terms of the Luau. Such agreemeuts will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. MFPA7770 (11/2004} /042-300530-5 t„b~,, ~•8A(PA! toaon v,pe s of ie Form 3039 1101 m BK f 894PG2921 17/23!2009 1:27:37 PM CUMBERLAND COUNTY (b) Any such agreements wiU not affect the rights Borrower has - if any -with respect to the Mortgage Insurance under the Homeowners Protection Act oP 1998 or aap other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to (rave the Mortgage Insurance terminated automaticaltp, andlor to receive a refund of any Mortgage Insurance pr~emiurns that were unearned at the time of such cancellation or termination. 11. Assignment aP Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. [f 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, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has bad an opportunity to inspect such Property to ensure tine 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 shat[ not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not ecommically feasible or Lender's securty would be lessened, the Miscellaneous Proceeds shall be applied to the stuns secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Synch 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 thou 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 makket 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 imn+~~~rPly 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 stuns are then due. If the Property is abandoned by Borrower, or if, after mflce by Lender to Borrower that the Apposing 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 Instrturtent, whether or not then due. "Opposing Forty" means the third party that awes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regazd to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Leoder'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 MFPA7770(1t/2004) /042-300530.5 idnr.: t~•8A(PAI toao~~ rpe io of ~e Form 3039 tlOt BK ! 894PG2928 17/23!2009 1:27:37 PM CUMBERLAND COUNN ~nn~ tt onncn~n+~ r,--- ~- dismissed with a Wiling 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 aze attributable to the impairment of Lender's interest in the Praperty aze 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 Leader Not a Waiver. Extension of the time for payment or modification of amortizatian 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. tender 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 net 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 shaIl 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 wader the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instramear and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbeaz or make any accoaunodations with regazd to the terms of this Secunity 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 Bonower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and befits 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. Leader may charge Borrower fees far 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 regazd to any other fees, the absence of express authority in this Security Instrument m ehazge a specific fee to Borrower shall not be construed as a prohibition on the chazging of such fee. Leader 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 chazgeS, 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 linrits, then: (a) any such loan charge shall be reduced by the amoum 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 nralce 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 trrated 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 6y Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Ins nt shall be deemed to MFPA??70(tl/]A04) !042-300530.5 irye ~: !~-8A(PA) toso~t e,~e t t or to Form 3639 1101 8K ! 894FG2929 )7/2312009 1:27:37 PM CUMBERLAND COUNTY '-"""'""""""'- 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 utiless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify L.effier of Borrower's change of address. If Lender specifies a procedure for reporting Boaower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only tme designated notice address under this Security Instrument at any one time. Aay 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 comtecdon 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; Severahltitp; Roles of Constructlon. 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 contrsct 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 Iaw, 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 singulaz 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 oce 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 inuuediate payment in full of alI 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 aaordance 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. 14. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument drscominued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sate contained in this Security Instnunent; (b) such other period as Applicable Law might specify for the termination of Bottower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions aze that Borrower: (a) pays Lender aU sums which then would be due under this Security Instrumem and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or MFPA7770 (I1/1A04) /042-300530.3 -6AIPA) loso~i v,~. i z er i s Blf 1894PG293fl ~"rc+ ~~ Form 3039 1101 )7/2312009 1:27:37 PM CUMBERLAND COUNTY Inct tt 9nnGnon+a ~_-- -^ -• agreements; (c) pays all expenses incurred in enforcing this Security Lnstrument, including, but not limited w, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instntmcnt; and (d) takes such action as Lender may reasonably regmre to assure that Lender's itnerest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrumetu, shall continue unchanged. Lender tray require that Borrower gay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; tb) 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 aze insured by a federal agency, instrumentality or entity; or (d) Electronic Ptltuls Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this tight to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Services; Notice of Gtievauce. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Semcer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrumem, and Applicable Law. There also might be one or more changes of the Loan Servicer tmrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address w which payments should be made and any other informa8on RPSPA requires in connection with a notice of transfer of servicing. If the Note is sold atd thereafter the Loan is serviced by a Loan Servicer other than tbe purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred a a successor Loan Servicer and aze not assumed by the Nate purchaser ualess otherwise provided by the Note pnrchaser. Neither Borrower nor Lender tray commence, loin, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, nntii such Borrower or Leader has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. if Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity W cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 16 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" aze those substances defined as tout or hazardous substances, pollutarrts, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws aad laws of the jurisdiction where the Property is located that relate to health, safety or envirorttnental protection; (c) "Environmental Cleamrp" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d} as "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. MFPA7770 (11/20Q4) !032-300530-5 ton .: G~~' -BA(PA1 toso~t Papa t3 of 78 ~ Form 3039 1101 BK 1894PG293 ! 7/23/2009 1:27:37 PM CUMBERLAND COUNTY Borrower shall not cause or permit the gresence, 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 aze ggenerally recognized to be appropriate to normal residential uses and to maintenance of the Property (inclading, but not limited to, hazardous substances in conc~~~* products). Borrower shalt promptly give Lender written notice of (a) any imesd~ationt claim, demand, lawsuit or other action by any governmental or regulatory agency or private party mvolvmg the Prop Hazardous Substance or Environmental Law of which Borrower has actual knowledge y ro any Environmental Condition, including but not limited to, any spilling, leaking, dischazge, 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 parry, that any removal or other remediation of any Hazardous Substance affectmg the Property is necessazy, Borrower shall prompdy take all necessary remedial actions in accordance wrth Environmental Law. Nothing herein shaIl create nay obligation on Lender for an Environmental Qeanop. NON-UNIFORM COVENANTS. Borrower and Leader 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 older Section 18 unless Applicable Law provides otherwise). Lender shalt nod Borrower of, among older things: (a) the default; (b) Ute action required to cure the default; (c) whew the default must be cured; and (d) that Failure to cure the default as specified rtuty result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial and sale of U-e Proprrty. Lender shall further inform Borrower of the right to reinstate after~a~ne stlon 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 speeded, Lender at its option may require immediate payment in full of all sums secured by Uric Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be enUUed to collect all expenses incurred in pursuing the remedies provided is this SecUoa 22, including, but not limited to, attorneys' fens and costs of UUe 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 Instrmnem. Borrower shall pay an 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 Agplicable Law, waives and releases any error or defects in proceedings to enforce this Securty Instrument, and hereby waives the benefit of any present or future laws provrding 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 sheriff's sale or other sale pursuant to this Security Instrttment. 26. Purchase Money Mortgage. If any of the debt secured by this Security Insttument 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 judgmem is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. MFPA7770 (11l7A04) /042-300330.5 ~,;oy -BALPA) loeo~) Pape It of 78 Form 3039 1 /01 9K f 894PG2932 17/23(2009 1:27:37 PM CUMBERLAND COUNTY ~nct ~ ~nn~n~n+~ ~- - ~ - BY SIGI3ING BEIAW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in aay Rider executed by Borrower and recorded with it. Witnesses: Ld1NT2 -Borrower (~) t~~~ -]3orrower ~~~~ ~~~~ -Borrower -Borrower (~) ~~) •Borrower -Bortower MFPA7770 (1112004) J 042-300530-5 ®-gA{pA) wno~i _ (Seal) (Seal) -Borrower -Borrower a+v. is or ra Form 3039 tlOt BIB { 894PG2933 CUMBERLAND COUNTY Insr # 9nn~no^^Q ^'-- ^~ ' '- ~7(23/2009 1:27:37 PM COMMONWEALT73 OF PENNSYLVANIA, Cumberland County ss: On this, the 1 3th day of January 2005 ,before Ine, the undersigned officer, personally appeared JUDITH L. LANTZ known IO the ~OI satisfactorily proven) to be the person(s) whose name(s) islare subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. ,~ IN WITNESS WHEREOF, [hereunto set my hand and official seal. + '~ My Commission Expires: n Title of Officer NQTARIAL SEAL { RENEE L. MURRAY, Notary Public 4 Carlisle Boro, Cumbetfand Courpy, PA . My Canmissiar El~ires Dec. 13, 200 Certificate of Residence I, Robert C. 5aidis, Esq. , do hereby certify that the correct address of the within-named Mortgagee is P.O. Box 2026, Plint, MI 45501-7A26. Witness my hand this 1 3 th day of January zoos . e 5 , 5 q . Agent of Mortgagee MFPA7770 (11/2004) /042700530-5 war -eA(PAI wson P+ve ie o~ ~e form 3039 1101 Bit i 894PG2934 ~~ CUMBERLAND COUNTY Inct # ~nn~n~n, ~ ~~-- ~ ^ ' - )7/23J2009 1:27:37 PM Exhibit A ALL THAT CERTAIN tot of ground situate in the Township of Silver Spring, County of Cumberland and State of Pennsylvania, boanded and described as follows, to wit: BEGINNING at a point in the public road leading from Mechanicsburg to Hogestown and known as the Hogestown Road (Route No. 114), at corner of Lot now or formerly of Fielding H. Belt and Janis E. Belt; thence extending along and through said public road, North 55 degrees West, a distance of one hundred (100) feet to a point is the line of Lot now or formerly of Lester E. Weber and Eleanor J. Weber, his wife; thence along the line of said Lot now or formerly of Lester E. Weber and Eleanor J. Weber, his wife, North 35 degrees East, a distance of three hundred seven and fifty one-hundredths (307.50) feet to a point in the line of land now or late of Fern E. and Margaret T. Matthews; thence along the line of said land now or fate of Fern E. and Margaret T. Matthews, South 55 degrees East, a distance of one hundred (100) feet to a point in the line of Lot of Charles L. Bender and Lena M. Bender, his wife, aforementioned; thence along the line of said Lot now or formerly of Charles L. Bender and Lena M. Bender, his wife, South 35 degrees West, a distance of three hundred seven and fifty one-hundredths (307.50) feet to a point in the public road leading from Mechanicsburg to Hogestown, aforementioned, at the point and Place of BEGINNING. BEING Lot No. 2 in the Subdivision Pian of Lots of Fielding H. Belt, dated January 20, 1966, as prepared by William B. Whittock, Registered Professional Engineer, which said Plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 17, Page 51. ia~ C.11I1il~Ci 1i1'ti~[ ~ ol.till~~' I'.'~, .;~ Recorder of Deeds Bit f 89~~~2935 7/23/2009 1:27:37 PM CUMBERLAND COUNTY ~ncr * onncnn~+-~ -~ ~©~~ ~. Prepared By: Linda Anders, HOMECOMINGS FINANCIAL, LLC 3451 HAMMOND AVENUE PO BOX 205 WATERLOO, IA 50704-0205 1-800-206-2901 When Recorded Return To: JUDITH LANTZ 304 HOGESTOWN RD MECHANICSBURG, PA 17050-3120 Assessor's/Tax ID No. 38-21-0291-060 14~IN IIIII IIIII IIIII NNI IIIN {fill INII INN Ilal I(N IIII Satisfaction of Mortaaae HOMECOMINGS FINANCIAL, LLC #:7423005305 "LANTZ" Lender ID:90413/9766689 Cumberland, Pennsylvania PIP: 02/21/2008 MERS #: 100062604230053052 VRU #: 1-888-679-6377 Made this date March 3rd, 2008 Name of Mortgagor: JUDITH LANTZ Name of Original Mortgagee: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. Current Owner: Mortgage Electronic Registration Systems, Inc., {"MERS") who by signing below certifies that: The address of the Last Assignee is 1595 SPRING HILL ROAD, VIENNA, VA 22182 Date of Mortgage: 01/13/2005 Original Mortgage Debt: $78,000.00 Mortgage recorded on 01/18/2005 in the Office of the Recorder of Deeds of Cumberland County, State of Pennsylvania, in Book/Reel/Liber; 1894 Page/Folio: 2919 as Instrument/Document: NA Property Address: 304 HOGESTOWN ROAD, MECHANICSBURG, PA 17050 in the Township of SILVER SPRING The undersigned hereby certifies that the debt secured by the above-mentioned Mortgage has been fully paid or otherwise discharged and that upon the recording hereof said Mortgage shall be and is hereby fully and forever satisfied and discharged. The undersigned hereby authorizes and empowers the recorder of said county to enter this satisfaction piece and to cause said mortgage to be satisfied of record. Witness the due execution hereof with the intent to be legally bound. *LJA*LJAGMAC*03/03/2008 08:35:06 PM* GMAC32GMA00000000000000002220171* PACUMBE* 7423005305 PASTATE_MORT_REL *LJA*LJAGMAC* )7!2312009 1:30:46 PM CUMBERLAND COUNTY Satisfaction of Mortgage Page 2 of 2 Mortgage Electronic Registration Systems, Inc., ("HERS") On March, 2088 By: eSHLE ,Assistant Secretary STATE OF Iowa COUNTY OF 131ack Hawk On March 3rd, 2008, before me, N DAHLGREN, a Notary Public in and for Black Hawk in the State of Iowa, personally appeared ASHLEY JOHNSON, Assistant Secretary of Mortgage Electronic Registration Systems, Inc., {"MFRS"), personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by hislherltheir signature on the instrument the persons}, or the entity upon behalf of which the persons} acted, executed the instrument. WITNESS my hand and official seal, H DA GREN Notar Expires: 0812 /2010 #748557 H. DAHLGIi~N NOTARIAL SEAL - STATE OP IOWA COI+AMI5Si0N NtlMBER 748557 MY COMMISSION f;XP1RE5 AUG. 23, 2x10 *LJA*LJAGMAC*03/03/2008 08:35:06 PM* GMAC32GMA00000000000000002220171* PACUMBE* 7423005305 PASTATE MORT REL *LJA*LJAGMAC* )7123/2009 1:30:46 PM CUMBERLAND COUNTY ROBERT P. ZiEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 1701.3 717-240-6370 Instrument Number - 200808047 Recorded On 3/18/2008 At 9:50:00 AM * Total Pages - 3 * Instrument Type -SATISFACTION PIECE Invoice Number -16570 User ID - JM * Mortgagor - LAI~TTZ, JUDITH * Mortgagee -MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC * Customer - GMAC * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OE' DEEDS COUNTY ARCi32VES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $27.00 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA ~ c¢ cuye ,D . v ~ ~' v - - RECORDER O D EDS f~¢4 * -Information denoted by an asterisk may change during the verification process and may nat be reflected oa this page. VIIIIIV!9N~'~INIIR~ 7/23/2009 1:30:46 PM CUMBERLAND COUNTY Ines 3! 9hllnnann~ n___ .. _...