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HomeMy WebLinkAbout09-6749MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067, Plaintiff, Vs. William B. Goetz 375 St. Johns Drive Camp Hill, PA 17011, a `,) C? -fZ-- To: W t l1 L" You are hereby notified to f written response to the enclosed within twenty (20) days from the service hereof or a judgment may be entered against you. Attorney for Plaintiff Attorney for Plaintiff File: 9.11104 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: Oq - . 0744 0'%yi11&rA CIVIL ACTION MORTGAGE FORECLOSURE Defendant ' NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067, Plaintiff, Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 0'?- 6 `7q 9 6_, ( -Ti? Vs. CIVIL ACTION MORTGAGE FORECLOSURE William B. Goetz 375 St. Johns Drive Camp Hill, PA 17011, Defendant COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff'), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendant, William B. Goetz, (the "Defendant"), is an adult individual and is the real owner of the premises hereinafter described. 3. William B. Goetz, Defendant, resides at 375 St. Johns Drive, Camp Hill, PA 17011. 4. On December 2, 2004, in consideration of a loan in the principal amount of $589,991.70, the Defendant executed and delivered to Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as to the principal and interest in equal monthly installments commencing on January 15, 2005. The current interest rate is 8.875 percent per annum, payable as to the principal and interest in equal monthly installments of $4,960.27. 5. To secure the obligations under the Note, the Defendant executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated December 2, 2004, recorded on December 10, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1890, Page 4850. See Mortgage attached. Pursuant to Pa.R.C.P. 1019 (g) the mortgage is incorporated herein by reference. 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 375 St. Johns Drive, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached hereto as Exhibit "A" and made a part hereof. 7. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due June 15, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Balance of Principal ................................ $487,898.75 Accrued but Unpaid Interest from 5/15/09 to 10/8/09 @ 8.875% per annum ($118.63 per diem) .................................. .. $17,438.61 Accrued Late Charges ............................. ....$1,457.82 Corporate Advance .................................. .......$274.30 Escrow Advance ...................................... ....$1,122.44 Title Search Fees ..................................... .......$350.00 Insufficient Funds Charges ...................... .........$20.00 Reasonable Attorney's Fees .................... ....$1,250.00 TOTAL as of 10/08/2009 ........................ $509,811.92 Plus, the following amounts accrued after October 8, 2009: Interest at the Rate of 8.875 per cent per annum ($118.63 per diem); Late Charges per month. 9. Plaintiff has complied fully with Act No. 91 (35 P.SA680.401(c) of the 1983 Session of the General Assembly ("Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendant at 375 St. Johns Drive, Camp Hill, PA 17011 as well as to address of residences as listed in paragraph 3 of this document on August 14, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $509,811.92, plus the following amounts accruing after October 8, 2009, to the date of judgment: (a) interest of $118.63 per day, (b) late charges per month, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & ASSOCIATES, LLC Mary L. Harbert-Bell, Esquire Attorney for Plaintiff VERIFICATION I, Mary L. Harbert-Bell, hereby certify that I am an Attorney for Plaintiff and am authorized to make this verification on Plaintiff's behalf I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This verification is made subject to the penalties of 18 Pa. C. S. ' 4904, relating to unsworn falsification to authorities. Name: Mary L. Harbert-Bell, Esquire Title: Attorney W-25-1009 03:54pm From- T-105 P.029/036 F-931 uafe' 1 v.Zw'uuo ?? i •n+u. J. 9:JG rat HI BI Order Nueibers 000085086 T q Re: WILLIAN GOBTZ 375 SAINT JOHNS DRIVE CAMP HILL. PA 17011 CUMOERLAND County EXHIBIT W ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Hampdon'in the county of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin on the eastern side of St. Johns Drive (formerly Point Midge Orfvel at the corner of lands now or lace of Kurvin W. Lauer; thence North 64 degrees 59 minutes East, along Cho same, 206.40 Beat to a point; thence North 25 degrees 01 minute West, 7.6 feet along some, to a point; thence North 64 degrees 59 minutes East along Lot No. 64, Revised Flan of Section No. 3, Point Ridge Furms, 88.28 fesc to a point; thenco South 29 degrees 39 minutes East, along lands now or late of Barbara Ropers, 232.35 feet co a point; thence South 55 degrees 50 minutes West, along some and lands now or late of watts, 259.84 feet to a point; thence North 33 degrees 11 minutes West, along the easterly side of St. Johns Drive (formerly Point Ridge Drive) 102.65 foot to a point; thence North 40 degrees 7 minutes west, along some 168.60 feet to the place of BEGINNING. Ob 251 PAGE 3712 PARCEL 10-20-1846-115 In Ctim;:: :l,?:t?' r. Blf! 890PG4866 Page: 5 of 5 Order Number ODOD85D86 $80-25-1000 03:40pm From- . YJ3 r pt xiillavli F.eWn To: 743014090 rr± r., 7. a'Le LrrJ C:: 10 PI'S 2 38 T-705 P.013/036 F-631 7 0,3. co = aOIQ marl COWNW, LLC P.O. MOO 199500, Fin oocs Dallo•. Tx 75919 ?=d NuoWn IQ 13peu Above This Um For 6eearfte rlsb) MORTGAGE NMCNS words wed in mddp)e ncd= of this docancat= defined bduw and odff words ost dermed is SWAIM 2.11.13. 13.20 and 21. Cormb+ rich npidiing dw us ar of wor* used in dw document as ab a provided ie section Id. (A) "9eawiey lunromo +L" Rte0n3 this doculam which is dam! 12/81/2004 to`aha with all Meet n this doalmontr 11198 I11?ri 1r t10RTL Boaowa is dre mugNor under "Security Inauumi. (L) "i.oadse" is CstI p 0 p mm 2=rf C091PMVI LLC La+da is s , L=T= LTa1ILITr COMANr ?f MSYLVANIA - Sinols Family - Fonnle MeeNFreddle Use UNIFORM IN27PUMENT Fora 3039 1101 d-6(PAi ?e•o? (EEEE Palo +mto erP unyao sowurn+, ma 18001621 -7011 B(1890PG#850 Sep=26-2004' 03:48pet From- T-705 P-014/036 F-837 247/17050 orgaoiud rnd cxkft wider the Iswe of = STATZ of 0slLAto?ae LaWu'l MkWSS lr 21,20 t1 MW sotmeooe DALLAS. TZ 7¢2 1.1516 Leader is dw mtitegogee alder this Smutty laadwoeat dwptoesbM TIM; tdpmd by-BMWV Ind dattd 19/02/2001 -- . - luMissowdtuBmow&vw=Leatda VZU BMW= RX=n == TAM= UM II=Jt= NitI= start a 70/*#- AS. S S10,99%.70 ) tin Isuvest eonower bw postured to py tlitt debt in npW Pubdic Plymems ndt MtheddRinWllootimdom 12/1313034 (S) "Plefa ly" mom the property Amt is desat'bed below Leda the heading -candor of ROW in the Propcmyr - (F) "Leon mom the debt evieenoed by the Now plus inumL my proMment charts and I= chrrgas dug mduc the Note, and aIl etatts dos trader Ibis Ystltsity Insuumeat. plus m11 L (G) "Atdns" means all Rideta to dtie hwdty laxnaeent that are summol by Bswower. The foilowiiyl Riders arc to be esacaood by Borrower (cheek boa u apptieabiel: P AdjellebleltIo Rlder Coadomisl{1an Rides ?SccoudHom*Ridcr 8311ooa Rider Plmmed Uaul?evdopmeot RWtx 1.4 FxmIIy Rider VA Ridrr 8illreft PaymtmtRidar Other(s) cjpcdf yl (M "Appxnbta TAW' moms all comraft oppliribte faiaal. Nast gad toed statntta, regttirtioas. osdioeoces and admbnatadve auks and cedars (does have die effect of law) at wcil as ad aPPikw& final. (D "Cebbaatey Adlbubtime Dits, Fes, sad Asenes4W Maras aS 44111, fees. susmtmena gad 00141 charges that ate imposed on Bow wa at die Aopctty by a ooodemndaa lasxia m hsmomm= aeaocladoa of Amu oupandan (A "Tkd"Nk FkMItt IrT n*r" mrrml lay U101frf of DWI. IahfT Ihd11 frmsarli(m n9ginatrd by rWk. daft at eimear yrpa mmo=K which is Aundled thtotsgb an deenooie terminal, eetephenie ORM91uu. composer, or mope& cape m as to aft. bmacl, or rsuborise a Gnw&W baitltioa to debit to aed'u an uwosL Saab I= inefadaa, bat m got xmitad u6 point-of-guts augfin. aumm" taw meahine tense tim enladars ht{tleRd by aolephoaa. wire oma&n, cad wtoroeted cfaerfagh0utp Rsasfaa. (K) "Rea w lusts" mess Iboss tow dot sm datxibod is Session 3. (l.) "waitslwe o l4oceeda- mom gay convosadw. wo mt, award of damogei. or proceadt pdd by any ddtd pang (other clan mmisrtcto proceeds pWd dmdet dib eowuVIIr doombed in Stodoo 5) (or. 0) drmage w. or daawdon of the Propag; (IQ esadsmnadan ar other taidng of sll or any pact of the ftwly: (iii) umveyem In lieu of tnndeoutrdow w Gv) nobropum adow of. or omissions as a, the writ uodlOr condition of the pmpeety. (1101 "Mortgages lesurance" meals mlw>trlre ptowdng Linda agab?st the noopsymeat of. or default on. the Lam N "Palo la %s A mt" a1ebJ doe acmuleuly w-i,al" amnw"t dug to W yriowip, l mod 'ujwnw wlda dta Note. plea (9) any mw wts osecr Section 3 of this SeCutity lepa"msaL QAPA) tore') Paget a is Form Sbal 1101 8K 1890PG485 I slks-2000' 03:46pm From- T-705 P.015/036 F-037 24a1i7nSo (0) " RWA" me= dta Xal 1A = Sealetacnt hooo&w* Act (12 US .C- Satioa 2601 et eaq,) mtd in JmpleMM ft taptledan. Rapdndon X (2a C.F1t Pon 350. as Way MW ba mended Jyttm dox to dmc. or mty add ftW or sumaw legittedaa or nphdon tbu gavmoa dte acme aMm muor. As used in this Sam* ladnau t. "i"A' tefaa to at rago1cmoms and swmk u rtta no imposed in regud to a --. ---- 'fideNly-tbiarod-martgago-1oM' esvmh-iF dte Loert doq not godliy m a '°[edaltxy_related tooregage-fouh'_-- - .- - - --. _.. - -..-.-- under 1R><& (P) "fivecu for In lrtlerear of bon~ mcaat any pang dtu hat ova dda to IN Fropeny. wba la or sea that pargr bat ssftmed Roaawer'a obligadanr radar the Noe and/or this Smatity Inuumem TRAMS OF MOHTS IN TO FROFIrttTY fib Sww* Intttumtatt eaatret to Lander. (0 dto teprimatt of Yta Loan, cad BE rcnavab, exwl ioaa MFW mediGc im of dte Now and (10 the pedotm oce or Bomwwa's ommmaa ad agremnoou wtda dhif Sanrhy Ina wpw and rho Nola Par this ptapoea, B=ower dace hereby martgaga, goat wed covey to Loader the folblwbhs deacnlhedCOMM=" in & Lc=? rtyps of a.eordol lurim iapusJ of UVtme 0Reeo?dhte luri?6etionls All that tract or paraal of load ad abam on 8chadulo *Am &ttachas harato which is lwwparaead borain and undo a pare haroat. which eta wAy hae the addrou of rrb UT-DOWN Vrtsva CAtts bSLL luaJ,Fetmtylwtnb 17011 impCW.1 C ?to" Add="): MET=1Yl1ii all a* kwovttnm now to haaeofier aosted an do POPO t. dad alt WOOM, appunt:nmled, and Am m Pow or kmd or a pmt of Sc property. All rgUacownts and addltimd OW 1910 be emsed by 19th SWudty Iotttwomt All of dte %mloiag b,derned to in lbia Security Instntmam U the IftalpA) pion AK 1890PG4852 vapN7aH Form 3039 1101 Sea-16-1009 03:48Pm From- T-706 P.016/038 F-937 24982703/ B=0WBR COVENANTS that Benawu is hwf * mused of Os am barrby conveyed and has dbc fight m mmgapa gal and ooovey tra Amperty and dun dw Prapeay is uamitaoobaW. ueept for entansbmaca of Board. Imam wamtnta and will defend geeamlly the We to dto Rtipaty Wbux aq china and daamrads, sadJect m my cacanbraatae of record - - -- - - - - - - -- IMS-SBetit PY- WS17tiamw combiam. soubem move um far astiomt use and non-unWarm - eovessaa wbb baled vatiml w by jwfedfodmt to eomsdnate a tnifarm aeeerhy inar awl covering tai PrOPmtY- UNBMM CQVBNAMM- Dow we[ and Larder twvaamtand app w fOilawa: L Paymeat of Ift mopel, ieweam, Saaaw Imams. ftVftU at Charge, amd esa Charges. J100- "I Pill' Sim due the primed a& and iniaeat an, the debt evidenced by the Note end any Pnapsyment cim[ges sod late chergee due nailer the Nate. Botsowar" also pay fiiods ft Tarnow hone pimmitart. m Secdoe S. Paymtags due under the Note and MIS Seariq lnssamata del[ be made to U.S. CWrglcy. I3osreM N XW cheek err nttnr lnsh.... r mrived by Leader as payma t arada rho Nom or thic Saouiiq inspumant is namtbad to facile onpoid. Leader may t qWm thin say at so subsegaoat peymamm duo under the Now and brim Seeuft bbmmammt be atutde in ON or mere of the toSOwing fUMS. U sewed by Lsnder W cl* (b) MOW acts m; (o) cadW cheek, bmk aback, manes check or cashier's cha* provided my such shock b drawn upon an kadluda whoa depodts ac insured by a Tederal agency. inisetemenedity. of mdV. or (d) gkcvwk Funds 14ta[ar. Payments :ere deraod m elvad by Lenderr whim received st the bwiaa dedpmawd in der: Nom or ae such other location ax may be dcdp mw by Lenbda In toeordmaa mdtb ft nodes provisions In Section 15. Leader may seam any payneot or PwM psymeat if the psym n or pmrdd paymm ere insufGchen to bring she Lomb Cannot Lender may accept any payment or perdu po eeaet iapi8'ideat m bun` eke Loan aamasi. w4haat -elver of nay 400 bwgledmr at P*diee: m iks rigid b nfama attah psymoot or platy PaYmenu in the Tueme, but lmder k not OW OVA to apply such paymom at the time ma paymenn a we oeeeperd Tf each Ptoladic Payment is appiltd as of its wh doled due doe, they Lander need not pay interest on unorAW f--L- ll.w1... ,,,y IWU mad augqdlo,l Mania Will 1&amower mares PeyMM m ortrbp ma toad curseaL L Bounwer does not do so within a rassonable pedod of doe„ Leaft do shim apply such finds to maim them m Beaawer. If an epplud aadfar, arch feeds wiU be applied to dm amse lag principal baleen ander die Note Inun diotsly poor to iuaclo at. No offset or claim. wi t Bove" meipAt bevy now err in the h an against Lends daall rwevo Boaovrar Lam mddnp payments due ander she Note and this Security Inslau mt or pmdomdep the covareats mid a measaots acctmad by this Saendq lemaUmeaL Appkagn of 1Paymew or Precomla. Inept as edutrariae doscaed id dkb Section 2, all payments accepted sod applied by Lander maul be "W in tae fsUewdtp ardar of pzltn : (a) lowest due under the Note; (b) ptfaclpal due aft the Now (o) senountm dam under 5oodmi 9. Stich peymead AW be applW to each Pariodle Ptymatt In the older in which it becamo doe. Any me isindng aatamts shall be mpPied fan to Wen chases, second so any otter mmonote due to t dais Setaidtylmaamaail. mad darn to reduce the principal balance of An Now If Lauder tWdWJ a payment from Hastoriar (err a ddhqum.. Pwkft Pgmmt which includes a Rufllciemt atitoea to pey any late chugs due the payment may ba appkw m the datiorlaant payment and dba tare charge If moan tun one Periodic Payment is oetsom fop. Locum mey apply my payment moeived foam Borrower m dro MWYmwnt of fie Pododle Paymtmb if, and to the exams thaL ach psyment co be paid in aM.M:?? ?-eiPA) iwo+t ?.m.aNia Form 2039 7/Or 9N 1894-PG4853 Sip=25-2009' 03:49pm From- T-M P.017/036 F-937 443037056 tine. To d?e estmt dim any cxcon cem sher due payment b 4pplied to the AS payment of one or move Periodic hyawnts, suck crow may be applied a any bda doges due. Voluntary pnquymeau anon be replied &at to any paepaymmnt ebo%vs and den a dscribod In eke Now Any 40kadou of pmymants. Jusw== psoceels, of Miscan neous Procetds to pdodpd on under the - -- - - - - -- - - - -- -Nola-shavot-odead oc-posyme d e due doe, or d=W tlW an cwK oleo Pdiodio Prynkmts -...-- ---.-- _ . _ • . --- _ -- .-.-. -- I rani, Tor Faaow lows. aomwer 00 pay to Lander an do day Periodic Psymena we doe radar the Now two fl the Nose is paid in f tit a slur (dce W den to provide for payment of amounts due (br (a) taws and aHessimi ns and other Was Whah can main pdOW ova thib Set ICW ineaumeut as a Betz or eaeumbronx on din Prop ay: (b) Inabold poymesu or gimnod tam an toe 1 op . if any: (c) prmniuma for any and all inmanum ngtdtod by Leader under Seedmn 3: ad (d) Moarpge Insurance, premiums. Y any. or any sums payable by Borrow co Lerida bi tleu of the payment of Mo ipdm Iowa= Premiums in w=dwm wide dx provWons of Seddon 10. Mums Items ate: called "Bmrsow Rata." M odgkodon or a any Brno dwbag the win of the Lean. Leader may roodes that Comumally AMOCiatiell Dart, Fm, and Assemnenta, if soy, be eaeowed by Jloaower. and each dam. few ad annum m IMU be an bmw Two. 8maoaer shall promptly sorniain w Louder al aodon of am mts a he pold vndcr this Secdoo. Boerowcr Ad pay I andrt the Prude for Boarm Leans Weal Under waives Baaowear s obiigadon m pay she Ponds for nay or A Escrow [terms. Lander may waive Donowes's obggadon to pey w Lauder Ptmds for any or all Nernst bmu at soy dmL Any such waiver tray ody be in wtdog Ie the event of such waiver. Borrows shall pry dbo*. when and what payable. the amwiads due for arty Bm w Itmha for widch payment of funds has been waived by Leader and, H Lander mptkeear, Ad fwe" m Under rec*o evidencing such peymeat wWo such dune p®od v Lauder may tequke loaam 's d Spioe so and a sKh paymaw and W provide rtsxlpD IheU for ell pvrpoees bo doathad to be a covooaatt dad wmtdnodio Otis Saaaky tnstr orem; a hhe phrase "oaveanu and agroemene Is Used is Soodoe 9 If Bovower is obHpad w pay Escrow Toms dbvcdy, passer to a wdvor. and Bm em Ins ID pay the mount Out for m 8asw Item, leader may exercise its rights tech Seddon 9 sad pay such amouat and bacrower spa" then be obBgtwd wrier Swoon 9 to r pay to Under any such amount. Leader a" revoke the waives as to soy or nB gwww twos n any Lima by a nodes atveu im awardenes wilt Seeder 15 and, upon such mvocadom. Borrower shoo pay to Lender oB Pods, and is such areema. that are rhea tequked tndta this SocAm 9. Under may. at any time. cdUect end hold Fends in eta amount (a) ea0'tdeot to panda Leader a apply she: Pun& at the due spedbed under I1;13SPA, and t" am to exceed due awAmurn neaten a totdtr uw require under RPSPA. I,mder ahem mdnata due amount of Fmda dun on do best of emrent dam and reasonable osdmaora of ozp=U = of focus Bwmw In= or aahswise b accordance whin App6oabl4 Law. The Foods xW be bdd In an kwbdba whose dgwft are blond by a fodent agauey. imstumdttaiity. or atft (li clud'mhs Lander. Jf Leader Js am inoft6w wkost daposia ere so formed) or in my [bdaal Home Lore Banc Lardts WMA apply ohm herds m pay the Berow Ibmme no late than eke dine spetwed under PMPA. Leander ahem met Gimp Bauawer for hobiag and app/ybs the hods, anmABy rndyms the escrow account. at vwU)bg rho Patsow Bm ulden LcWW pays Baarower bworat an the Ftmm and App* Ale Law pcmtits Lender to taste out a chmgo. Unless an egneaumh- k cede In nAft of Applicable taw u quaea intobat to be paid on the Pumd& Laaukr ek4B not bin togmbed to pay Boaower any inmrex of turnings on do Fonda Bonower and Leedac can Was In writing. bowever, dau tntaaa sham be paid on the fteIPAI tawh e+pt i m ie Rerra >Im7a von OK 1890PG4854 Sap-25-2009' 03:49pm From- T-705 P.019/036 F-937 2a3d170ad "'Oft f"""Iff Shill Sive to Bwm-. -Not oAlfott. ah aamtal tw blaring of IM Teedo no roquind ly KWPA. if dtrse is a =plus of )sands held in esaow, as dam under litB.RP+A. Lender tMU account w Boaoarsr far the oxass tend. In NVOtdaaee wilt IMPA. V there is a sbWW of Foods bud in eroroor. as -.-_- - .- -daGstad-ender-B398PA.. LADdu sMU notify 8ooovar as nqukW by =?A-. and Bmrovow shati-pay to Len4w die amoaat tterrasmy to mate up the aha p In aoootdmce wide RHSPA. but in so more tbw 12 mtlttddy Paytt MU. If dtera 19 a delickoey of Fuetdw held in waft. u dtf4td ender R89PA. Leader shoal "Wy BWowa IS ramgdtted by RBSPA and Bonner plait Pay to t atria the mount necessary to make up the delideney in ucasdsoea w16 ltMPA, but in no can dean 12 mondtly payanew, Upon payment in &V of a4 sums secured by 113+ Sot3tety lopno mt Leader dull prompdy refund to Botlower any Funds bald by leader. 4. Cda'gmi Liens. Bwroww shall pay ail taxes. uscionawnta, cbnca, final, and knposi ws Nualumble 10 the PMPCW Wbtdl can Min PWri, err 0& Saawky btpaomen% taaahetd paj..-..t, w FOUM Mb M IN PtOperey, if any. and Coaub-ity Amdtu m Dues. Fans. and A»mromu, if any. To rite mttmt that Lhasa gems ate Escrow items, Borrower shall pay dttw in do romw Provided in Sudw 1. eonoww As pmmtn{y MNLVP say IIm 16kh has Pde* owl M Swwlty Immunm IM" BO=w-. U0 AF in Wiring to 6a payment of rite obl#pdoO opaed by dta Rm in a mm w wuplable to Lradar, but only an lnag w Bomwer is pwfim ing fuck 86MM at; (h) conows theBeo In good fahn by. to dafmda ag*u onfaacopa tt of the lion in. ftd proemdlM %*0 in Leader's epiftion opnsro ro paswant tha odateerpettr Of rite Bert while them p spa are pendatg, but only until such pmeaedlegs are aoaeludod: a (e) mum treat the holdw of rite lien an vVement udgieemy to Lander auberdhmft dta Bea to this security Imo-r. U Leader demniou dint nay part of dm Ptapww is sobjxt to a an w" ism atmon Priority over dtis Secttdty toe0utnent, L=ft may give Bonowcr a notice idendfyft the limn. Within 10 days of rho data m wblob that nodes is givat. Baao.wrr dal muddy the Um or rate on or mom of the actions mt fart eboveib Mir Socdon 4. Leader may mgtata BoaOwor W Pay a 00"Me dArge for a real mime lam vedlioation WaVor reporting service used by Lender In conoavon with dib Lam, I Ptopaliy 114wt'anre. B wrowar 94 keep the kuprowmaoe now mining or haea w waned on die Ptopony inaoed against law by ft hamrde included whine der prat "m tried eoveage,' and any oAu hassfds b dodiM. bat not imbed W. ea>b Palm$ and floods. far wbk b Lamle ragtrira insurmreo. This kawasn Ad be makttahtatl in for alnoense Cog daddodbla isvtdtd and fee tLo pmkmb dun Laodu roqukm '%U Loader lequbea ptdsuant to dw praeeeiog aamaeee can change during tbs term of ttm Lam. 7lds insurance anler prvAft dw insurance shall be cholso by Boamwta AiW= ro Under's right to dinFprove 901-Mel ahoieer which Bala dtali nue ba m min ummooahly. Lendw may nqubo Borrower to pay. in tOOneadoa wldf Idtu Lowe, eirtter. W a oa_d= clwp for flood rant darorminadon. ardfieatioa red Pacititg + nkM or (b) a ono-ume abmp fm Rood zone datsmionm row eerdacam sarvk= and mft quest aharglts each dens rtomg*P Or surlier chaagea occur which reaoaably mighL affem much dwaninatiwt or eactidradw. Baerown ASIA also be respooaible lee the paymmt of any foes Wdused by the Federal >i'mcgp oy Management Al eX7 in coaasedoo wkb des nviesw of any Hood tuna detecrnlcOon rardMS item an oboetien by Boaorvm 4%•51a41 Io.O>t Para • a is Form 3030 1101 8K 1890PG4855 S0-25-2009' 03:50Pm From- T-705 P-019/036 F-937 24]817059 If Baeeowa fain to nuitnu a any of the wvavw tleeatbed movr. Landa may obtain insunncs 00" n A K Landes option end eouowees espcasa Lsndw is Soda[ no obvIetiott to purohaw any pAIMICRIff type of amount of 0ovarlp- Thmfo , slab oovaatya sben covw Calder, but might of might not prococc'atmww. Boyower's atptity h dw hWavy. of the ooom= of do Ptopeny. won ley tidy, hmosd - - --- -- - - - ----...-ar_ilkrrbithy_snd-ml provide - gteotw-err ..kw of "W. them We pttriw* -in - AOL --8atrowa - - - -- - aetaawkdgea dart the coat of the insiffam covaW m obtained milk dpdlinndy aroeed the can of ioeuranae tbmt BaaOww a0dd hove abtablad. Any anwantt disbursed by L,aidet andw WE Section S 09 become additionaldebt of Borrower swuW by" SetW(W Luswwa Una alwouou dual bas interest at the NOwefM feom rho data 0f dirtaa' wwt and 2W lx P%'A e, wisp each inumd. upon erodes from Lender ro Beanwar a°"* puy-L AU ioauranfa policies ngvbcd by Laodw end sonde of such politics me b0 smbreu w Londa-s right to diopptovc such PoUclea, shall include a stmdtad menage dense, and shall eemtc I=wa w mong gee mdhtr as an add'idomal lore PWM Cando AM have the fight to hold the policies and nneowl aaditw U Landes mgttitls. Harmon shall pmmptiy give w Lender A receipts of paid p wa ams and ratcwal notion. If Bonowar obtehn any form of - WAr ttoe coverage, not odtarwise rcgtAkW by !wader. for daa W w, or dessectbn of du Ptopetry, MMh podq shall arl de a Bran td mmtgeaa dense and shag name Ladw a fooffn s andAw as an addidonat toss payae, TO the event of leas, Btasowar shed give prompt notice to as losunwe coda and Leader. Leodof may make P1aof of lase u not mach PMPdY by Benz owrr. Union Larder and Boaom ahawise agree Jn wtidng. lay in mace ptooseds, whma of not rho wrdwlyiag ionatans was i qWn d by LeadM shall be :q IW to testuatios or repair of the worsty. it the swtonft a ,ctrari. v etaatwrt[arUy J'baslble and Lender's MOM* is 1101 loeseoed. Dttmlg snob mp* lad Maxedw palod, Landw AM bove do right to hold such bnarmce proooods Und Lender bas had m opponui ty to inepea sock Prq" to mute dra worst has been campiamd w Landes sedabrtdot, plw kW that snob iospoctin eha0 be wrdona m promptly. Lender only di*wn proceeds hr the npaim sod rsstotation in o siogw pnprmlu t or in a series of pognu Psymcow ea tha wall is tromph wl. Ud w ao agree mK io node in writing or Applicable Law mquUes interest to be paid on cam imamw parcee I. XM der shell not be ttrpated w pay Borrower arty inwast or earnings on such proeaede Fees for public uQue n, or od w third parties. ratab,ed by eomww lhau not be paid out of We inlssonos Proccods lad *ag be the A* obbandon of Boaowa. if the msm oba or mpdv i3 not economicaly (waVc of Lender's secwlty waald to ienamcd, *a inasuce. ptocaAs shall be applied to the SOME sframrd by M Sa 94 bsnarneny Ww6w of not that due, with the mas, if any, paid w Bmroamr. Such itumttace ptocseda shill be applied b &a ordat provided far in Socdon 2. u Ba rower abattdoas *a howy. Lsnaw May Me. nngooate and stasis my avdwft huwwce claim and M NOW Mattel. U BODOwer dad not tlopomd wi" 30 deYs m a tntia ft0m Leoda that the bramcc tm9er ben olfa m oak a ddm. Wee Lradtx may eegoasaa and Mb the dwn. This 304my paled will begin whom the oaks IN glvta Io W a avam, or It Lander N *dm the Property undw Section 22 or otbewlec. BOnawa heeby Snips to Lcader (a) Batsoweel dAn w any iasmance Fccoads in an amount tun to arrxad the aotounts Unpaid undw dw Nola or MW Sesaft (ormamank sari (b) any od w of 9otrowa's F41us (other dm rho right to any tefaad of na nnad ptatoiants paid by Dwwwol) tench a0 instamrce POIWM tag the PcOM. kwfor a NO righu we WgIcdbk to the eovmege of the ftvaty. La mw may two the lasmance PMW&ds eidta to impair or mom do Aopaq or to ply amounts unpsid undo the Now of this Sccuft Instrument wtatba a not then due. 4R-alPAl roaovi Ps» 7.1 to rum Me lro1 111 89OPG4856 Still-15-2008 03:50pm From- T-705 P.020/036 F-937 243117038 6 Ouupanay. 33wmwa span occupy. w w". cod use the hap" va eoaowa Is pdnc4w raodonce whb% 60 days aft do "waft of tbia Immi ty Inatrunrcnt end *0 ooa110t>c W of %py die Psaptxp as =ofrowwo'e pt "4W nddes" for at bast one YaW dW the dam of oedtpeaey, todUS Lwder odwwite 4PM )o wl ft, whlob eonseat dM not he wwawnhly , tltha. or =ka extent btg dmmnm= etkt wtdeA ate d Y m-4 ertmwrer•s cmuml. 7. Prnervatiam, Mamie" xa and ham of de A'otyt lae/eetlm Bmmwcg Sw cot dm", demupa or bapalt dte ft" V, olbw the Prepany to dsmedwim or commit waft on the Pulp ww VVh¢11ux or act Boreoarat y ret6dbtg la the PMPOV. l oao*w dull nattada the Ptttpaty in ardor to Prevent die Fsopmrly h*m dfwimwft Or domusbig is wl[tte doe to in ceeadw. Unless it in dtdermined pmsttmt u Seedoe J thu rapelr er Sesiotades b vet eoonoaiaatly feffiib10. Botsowar shag mmpdy repair dm ProWV Y wall6ad to avoid fuller deuriotxdoo ar danUL If mmeeoe or cmdomeodon p+ooeods era pad In coonactlan will) damage w. of the eduttj Of. the A+l p , Borrower SW be rapartrible for revolting or resmring *4 P-PMV 0* if Lander hat rsiaud ptoceedt for each putpow lends etay disbwse proceeds far dm*- 7apaus old reatoatdoe )o a single PllYmW ar is a xtrtaa of pmpw psymet?w so the wads is wmpbtad. It the !an== or tAndemud m ptoaemt am not as derv to reprtr of rtatore the Ptepeny. "M*wer ie cot re06vad of eotWwar'a obliRMicrt fq Ali im Wkft of Alin) ttquir rtr erttnrarinn- LAMW or he ant tttey oft raamw& tentrl' upon old b*--dm of die Pwpariy. It it bm raatortablo 011,15. Latdar may bupm the im m of do impnv tmte an du Property. Lender AC give t3ortetvor aodec u the time of or prior to aid on IBM" bttpectkm spacil)rittg such trmonme cause. L Berroraer'e Lone App6ndm Baaowa shdi be in &&& jr. do ft the Lem application ptooms, 80ROwer er any 1 "- 9 - or enfltiat acdng at 1114 di odw err Betrowh or wub Bearower'a iomwhtdgc a contort gave atekrtatiy false. mtdadiet;. or iltetmme bttmm&Wo Or rbiaemene to Lander (or foiled to pmvide latdes with o w=W itttotmadw) in ooamai, wbh the LON. hiIWW rqw m dadon6 hwlude, but eta not Utnited to, repmmtsdom cone== Sottewst's oaf: Worry of dichopcrty as boa. ties principal rufdsnce. 9.1'rohctM of Loader's tatrrat in dw Ph p" and Rio% Under Ws Sacmity ha ...L If (a) >;otsawat fatb 10 Pesfetm the aovcaante andttgreemento aonnbud in mat Jeeurity tnanttmeat, (b) dtcm is S might ainmeandy abet Lender's iattuest is rho Propeety and/er rights tad. w. anforcar b of a No t a > 4 in ftwupty. Pam fm oondemnatioo err forum.. for may swill prim4 acct 11113 seem* kaftmest or to otfaee ban or regulefim), m (c) Botmwa hu abaodcaod the Ptovoty dw Lcndh may do and pay ter whmm is ressoaebla or to protect Landet's btmm to the Pa6petq sad dew under this Sow* fa3awnent, iaaludmg psoroo " Oft "MM tba vahuc Of the hopraty. and eeataing W. repeiefttg the hOPaty. Latch's aed= eon ischid0, but me sot limited me (s) p yke giny woos 3n mall by a Wn wbtoh has pdmity over d& seeii ty Ltmnmont: (b) Ong io eaurt std (c) paylmg eeasotuble attwacys' flea to iu sbtereet is 1116 Ptopaq 1016* dOts tmdr ibis Somlty IoWWML iocbtding its Retired position in a bevlerapu y pig. Seoutieg the'ptopoty irtehtdes. )tut is not landed @, cna ttg on Plop M to malt' repeus. change kICIS. seplao6 w board up doers old windows, dwNt water from pia, elimisatc Wiling or outer coda viokom or dangaoo3 aendigmis. and bete 1 DIW oP00d on or off. Altbtmgh I.mdv nm Chu ac>wa aada this Swdoa 9. Leader does not have m do so tad it am ender any duty or ObIgIldOll c de 19. It it agreed drat E wow dim Stxdon 9. vader 4w,- 00 !Oft for not ohing my or aA sedans wawrbad u))dh t.ttw.: ?N 44•atPA) tali) Poo. 4 .114 Form 3036 1101 OR 189OPG4857 Sib-25-2000 03:50ps From- T-705 P.021/036 F-937 Z43Y390Ee Any amoaanls disbuasd by Leader under dbls 9ecdon 9 sham become addiuonr debt of Bomwer aWAM blr ddl Secv* Hlp{tygllai TJtsdr m endt ehan boot iaterapt al die Note tae L_- . cL? J.K of Gobwammt and ahdl be par6k, with mob inteae, upset oodee from r to Sorrowa requesting payataenc - If B If this edamty hwnn at is em a hmehold. Beaoaer shop ea with .0 Yee pttse!?l of the. Jam. oc9utnee'faa-title wft %Nib . die l6ieliold aid rho clue AW not amp unlers Lander 1a 10 Ow COW In 'A•"elssaae. it haft NQAW pups :e Trtamm?m m a coww" of mddag the Lem, Dwwwa said Pay the Pretoduaos ttapatred to tnsioklm the bdOngawga fttwnmc in alfacL X for any mma. -q ya pro+doady providCd SUCh kJol aaes8 Loom mom m be am-Ob fro. to make ap etc, mangaga a that toward die ptontimu far Mtatgage Itaotaw Borrower *a pay the y dasignmW pea Coverage sobafmdat equlvdent to the Mottgaga lwumace VWAOQ* in 1?i 109 do abase vdmt to the Coat b Borrow= of ft bGwqBe laaurasee pBwfQUjY in effect, at a ooac taabssesthmy egui selmed by Lender. N subsmd* aqulvy? marap s afCa frees y not Uvalelft awr inn= condone to pay w 1?+ltkr dw WAOM of &t WPM* ?Qllfbsxsd Perko that were do* when Borrower die haaes ems coverage acted a be In dwsm Le aria CID ImWL is fatave 1a Iisa of on and foubl these payouts m a aoaeefnndabb b= at Mor?Oge Inamaaa s.ab ba met.?a MAU be am4oftdoak a atwriUratradinr imam diet the 1400 Is ad&tWy paid io AM. and Lmder eladl not be mgmh d to payy Boooav any bum or evWA s on each I= mmnv- coder ems so longer requba was nag" payataue if Mmtgsge insurance 00"'ge (in dte amount and far Me Period Ow Latdarseg") provided by on i law nheied by Lander again bawn avodhtlk a Obub*4 and Loader nqukw aepatately dDIACRA std psyme W toward she pwraivan for MgMap 'niters, if hide ragmrrd llRedtgage 31MIn0e as a COndhime Of malting the bona sad BOlrpaer was mgu" m maba sWusedy dstigaaed PWaeau tntveot the prsrdLlas for Mortgage lmwaoe. Boaowcr sham pay drt XMiama f pftd W matnmin Moetpp loamaam is edOM or to provide a nod mfuadabla tort teaavc. warm Leeds's fsqu meat for AWNIPP kwasam ends in ape whh any Wds. agroadnem bdMeeaud Barrpwrl and La der Providbtg far aamh toc0anadoo of 0atii sam6udoo is,egotred by Applicable, Law. Noddog is We Seeded 10 tMUNIS Bnrraaer'a obHgedon to pay interest at the ratio provided In the Now MOOM b"w" nb *wm Leader (or any eauty dW purcbma rice Note) for oer A Josses It may, incur if Bocrovor dons aotzepay d wLesn ai aVw& 8orrorraicl to a party m do Natgege tastaaneeh. MWWF iamm Ovdnate dlait UNI risk an ad sacb iaaaaaele in force horn time m die, and may tats idea agoomenm With ocher pudw due sbete Of modify tbdr tit Orredooa b auc neee Weeeamats are as thew and aoodidomm tba era: 820060211y a du mortgage lease and rile stha pony (or pa*m) to then ag"essmmu. lbw 4pwmean may mqube dto MOCING ideas b talus PIYINCis mina pry Warta of fiends that [be nmw%W iaRm may have available (mm my Lncb& reads obmbm free Mangage Laoanoe Peemiums)- As a meek of these sgraeou% iwnde r all paorhom of dm Nola, modes arrester. MY raiaaanr, soy adw eatidy. ar my dffi de of say of rice ftopoJaM may fom vie (dl ecgy of ) amomu eta derive from (or a ftm to chumumiaod at) a ptvtioa of Borrower's psyarents far ice. eaamm- in evi mgr rar shag ear M00 *9 d w mongsge 10111 WE lbX Of rrdwbS losses. If saeb agremeat provides disc an AlEliale of Lends tales a share of do Impel 4* bt exchange for a share of the praaiams paid to Lae insurer, the wmjeroeot is aftea tamed "captive relasa6eam- Purdk r- (a) Any mob areaaaean .tip ast anted dig aatarata that Borrow has agreed to pay for map INWM e, ear soy other terms of do Loco. Soch agr n wig act howae the amaum 80"Over.-N Oft for N4111 gt Yusurmaee, aad they on ear ea d* Borrower to say reread. Inawr _ - y ?'q?b clan Py. 6 1 it form less trot BKI890PG485a Sea-23-2000 03:51am From- T-705 P-022/036 F-937 a 263427030 (b) Anl tmfl aereeateab wNi am Aa wt t" rob VMS*" bat - Y any . wick rapett to the M Iororaaot 1adcr tie Avtaeat 111M PtOtwMM Art of IM ar nay .elm *W,'?1 W rW* aty lacilrk do tWk a nab* imam ditdoweot, a rey.dt and 01tai0 Mood Nos of tb MerVw ;=WAN% to bare ode Itdortgaga Immerse osndowd antowatltttv4, aldlar to roodre a rehnd of ary IL dent vows tlawaad ? Noe tpoe of tnrB asmsllstbp or .twslaation . --. _ _ _ _ .. _ aat?odm p-oW W VieI 9*fftro AN Wrl" neout Bioowde M Awtiy. Ir d if dw MMdcM Or snob Miscolkoeeua Pe A -do thdi ba mpptiod Io tawr?dm w iapeir of the tt;psie it Coo NWC Ay fetfibb asd Laoda's a Mf? 1s as kmened Ath npoir ad roomsdsa Linder dM have do tigbt to held aw Kmoellsaeow pmoood, unto !.ender bon had o oppotptn,gr m t aucb Pmpaty w aetaaa dw wall hsa been eomPlemd m 1 alder's aadwhOdea ptov104 dent weh inrptedm AW be 101111111111o n ptompdy. Laden may pay for dw repairs and x0rojon in a ADJ.*.. + rormeot or It a solet of p?opoat paymb 09 thw welt is eoelplrted. (nku >s aNteewmc Is toads is w?0 or Jaw ieg0hea ioweu m be paid on $A h imdliac s Prousdt. Lettdef that! not barag0ind m pay mom my Luaw or uniogs ten nab Mmdw mue PiOMME. if the seasotadm a sopir is tta emoonikdl r 61111111116 of Lett S see t* world be bustomd. dw hGacaliomma Roaedt *0 be 9PLW m 00 anon ttwwmd by thin Smoky It vow mt wMdw or not *a doe, witb the Sew it ow. PMd m BmOVw. anal ? Prooerda *40 be applied in die w ft provided !or io Ill The am of a mml Wft. dtsobodan, or I= in wlee. of the Ptopc. do Mint dwag w pmaeeds ?? b? ? name nuked by this Soca ft Lmno weak wbeMa or not then due, whb die prcear. if M do event of it PALVW itttd & deemnalm a Ion In vdue of the PMPwcy in which the r6f Madook vats: of the NOpttrty immodis* before the pstid ltd N. douluml oo, or IOSs in value is equal to or parer dmn the atttowtt of she an amid by Wb 8twtdty bolocmatt INWT boron dte Wft W do . dasouaion, er loan is valto. Lake Banana and Leaden otbmwLa a@oait wri the ttmta aeetaed by t? SO 161 IOatnatmOL wbl b tednawd by the MOM of the btlaoe0aaeoes Pieces& n„ddpled by th0 foibwittp fiscdow (111) the coal ttmotmt onto tmna n=M immot6o* Iterate the pattW Wft, daetsuedon. or loss in vdtre divided by (b) the tent taadax volts of the Aopmgr knm dmtdy baton rho partial Wdeg, de+avotioe, of loss is value. Any Blom dO ba paid ip BoaDwwu In the Owat of a portal Wdog, dam xdmt, or tar in vabm of the PAVwW to wbkb tb fair ntadtet watue Of the PI*WW khatedieftly bdost do poidd "g. dwooc loo. or kn in vdpw is leu dtatt the al401M of the PURNa swatted immediately bodOee the pnrWit tuft daYUedan. or Iws in v" Latter know- and L :aft o*K%ise sgfra is wAnag, the Mkoaimoow Ploowwdw AM be, 1POad to the Sums smwod by his Swift Tearoom whodwor not the am am Wes due. Jf the Avptcq L dmilooal by BOU*wa, a if. afar nodes by Linder 0 Bwmwv tbwt the Opposing Pam (a de tted is the am Aentenea) offm m ante; as atwted a lade a etch for domqm amrowa faits to frORW a Leiner within 30 &p after dm dwsw lbw nodoe Is ZWW Latcu is aLtltm m cotlwm and apply du MJKd n vow Pkocw r emor m rewmrsdon or repot of to Pmpeety or to the atlas socured by Will Sttetttisy Iwanotrat, whmhor or tat tbo+ doe _Oppodnp Psry• faam Sol NM piny ibat owes Sofrowa PMtseellsweeLa Ilet serfs at the DLb ?+wW wbwn Bonower has a tight of ardon in rapra in AtyaOaLmww Bouowv SW be is defook if nay ttetioa Of psoaeoft, whtdha civil or aitnisaL is bgaa thaL in 'M 'a judP11006 tmdd ru*Js MOWN of the ROpaty Or aAtot ammid t of Londa's iawrell In the PsspeYgr or tighn aadv this Seea!!2 Zttamtwt 8otevwa em cm auab a dafmdt end. if axeleration has oowmed. a IMM v pavided m PMdaft mfoa 9. by me ` Ma ? or SO be dwiaswd with a ruvo ft in Leader's mt. of Papally metra poWwt of 4%-t(?At low) Fall.loa to f rM raw 1101 8K f 89OPG4859 Sep-25-1009 03:51ptt From- T-705 P.023/036 F-937 7470&70116 Lmdws tntum in the Ptroperty or siyrts wtds dtis Satatrity loaawaralt, Mtn Foacods of any awed or kwin for dAvau OW as atmlbt OU oo the bopaitetent of LAWW'I iaWMK b the hopraty as homby awdIDtod and 04 be paid w Lander. AN 1t wIlatmu Pmeetis ow on not upped m rndmWon or feptdr of the pmpwy iAa11 be applied to the order pro_vidod la i11 sol: y f._ ._ Not Relueadl Bmrttwraoae Dy l" NO a Waiver. 8rtuosioa of tbs dmc for Paymmr or tnodlCnorrion Of araotduMN of the am Iaournd by On Sttoa* ImMe tee t Stanwd by Lender to Borrower of rmy ilMU er is Igtgpi 0t80tiM Oll 11111 rdr WA m n*w the 13bft of DGMMW or my 8ooccstortl u bttcne o[ Dratrgtytp, Lem ?p Mtl M thstptlmtl to mmaxmrr• psoraedinga a?tinar mty Suoonrlor in Inraat erDCM)wft or 19 tutee to cxlcna dmafor paymplt or othetwirm modify amormmdco of the Jams SOU04 by dta SWA* Imt WML by Moo of my danertd rattle by ter: otigW Borrower or Jay Sttaoeoma in Iunrett of Bolrawa. Any torbtatascs by Icoder m 4=11 to arty 4k or remedy lndw iliq. *1111ent ilmhadob Laadv'J aec*wm of pepmmtn hm thin pMM, ea lbw of Successors in IBLEM of 3000wa or in arootmrr lea: dw the smmmt dw doe. snag on bs a wrabw of or prat hde the e mdec of any fight ar nmodp . 13. Joint and SeaadLkbglty; Coat Seaselors and A 4W Douad. Borrower covmtroa and egress dw Bor:ow Wil obliaodoar and Bel ft d4 be joint ad wweral. Howovsr, any Don owrcr who oo-tdgrm d& Seatdty Intaemeat but dots not sumet; fw Wag (a •co-Jiplee'x (o) is w-ripnini; this Security JOWUMent o11Iy to margtyte, put and coevay dw co-Ii w'J lnum in ft Pap" ruder ttw omas of ak Swadty Instrument; (b) L not palaattelly obl'tgemd to pay 1110 stags gemmed by this Saoetily lastraMK sad W op- gut Linda and any Wa Btxratrer ca apes to cxwrd, modify, forbow or melee my aceommttdOftm frith (000111 110 she teem of atis SOCta* bstratotmt or the None widtout the co-Wgrtds CDft atte hbiu11 to the 1 r of Soodah It, any Srcc mw in ieums of Doamvar wig arsuatd Beaower's obligsdow rmdt:r duo Sww* Inanuntmt in wddttg. Will is a MvW by Lends, eball obtain all or Bmmwrf'a *this and bmcgln undo that Semeiry InMRV tatL DorSewJr Ihdl w,t bo n-.lm-W both Barrowa'a oblige MI and Wbr'h'ty tinder " Seomily Iamumma anbaa t alder agrnos to such rdem bt WMIMI4 Tbc aowe 8 end aSImteetf of Ibis Smifity buMmo t shall bind (emeepL as provided in Smwn 20) ad 11044th ors MM MM trod attgtte of t mdc. 14. Lux C kW". Leaft tray shape Boaower tea for sarvtcae pahn"d In eartnwion with Darowe el dcdolc for the Phapasa of prntectog LOWN'a istttrest ill the Ptepetty and dglul W ft WS Security 7atema *t, Wile ft, be not belted to, eaotnays' ha, pt WMV i W.Won end veluadoo Sees. In nerd w any ether foes. rho absence of wpm mote Sty in ads Security bmmiant m charge a spot:t7hc fee to Batzowas sldl not be canoauod n a ptolhMldm m Mc dwft of orb fee. Lander any not tiwp tors that an -PM' probibindby this S"m* Jalatmteot or by Applicabls LAW, if ft too is subjoot to a law W" NO t eashe r n loln charm and do law is lioally inimpreood m Jut tht Sagest Or COW bell dlagce collemd at 0 be coliataed in wlmaeamt wish dte LOae maned the PEA Ilrettl. 16m: (a) sty rich ban d wp shell be rc*nd by the ewwotsoctssory to rodeos the eherp to the porolic ed A* and (b) Jay sum abJldy td> bwA from Dultowa whiob wca tw permuted limits will bd cettmdod ee Doaoww Latch( ray dwx to en" 64 ntdM by eodaniew the prmcwd ownt each the Noe or by rnalomd it dirttet MOM P B4tiM. It a rAlld ntlMtall pshw prht. Mrs winrrinn trill M oc0at40 sa a portal pmt udMont any P gnymard chap (whether or net a pwemm"t c a ;. OMY" (w rimirr thn Nina() Aprroww't ooespines, of any 800 sdiett tt18116 ty d:.-A"e,.wd w Du„wwrJ Will aMstiatc a waiver of any right of acta11 Deaover might bm ttriJlttg out of such ova dwic. Inntwe ?' a(PA) twett Palo 11 11 to Farm 8039 vet lK 1890PG4860 Sep-25-2000 03:52pm From- T-705 P.024/036 F-037 2{{317956 1S. Nedw. All. aadees given by Borrows or Leads it eomwdon wilt thie So=dty I "Ument met be in wridit{. Any nodta to 8atower in mmeo ' w1W We Smudgy lssbumeat A*U be dammed m mm butt give m Smnmwar who aided by Em dome mn$ or who meleft dovipta to BOmpwees nodes lddtoet d M by [gilt MM Notice to 3m me Swamis *a ooeW m nodes ID an Soooanro w dm - --- -- -- -- - ??PA C"..Lw CPR*. ?Amino. 'Bw.amlioe a" sb.Hbe dc Pto{om-Addrou mraca Borrower has deel{nead a mdse address by mom to Lowe` Borrow L%mn Prwtpdy no* - - - LendK of 8orrower'e charge d ddraL If L emsder spmidee a "Voc mo Nr Bonowror's dm9c of addrers, then Borrower slut a* maM a ohtot{o d addtgs tlmam{l riot =ptoadmw There msy be only one du4nmed modoa oddrems under fhb Boomia mMnnemt at 91110 time, Any nodoa to Ltswor mbar be {boo by debadtl{ it a hp mmilh p it by fist ahem aril to Le aws Whose, obttd hewn ouster Les"k 6110 dtnigwud anoWs address by amtice to saromrs, Any molt in c auaAm vM Ode Soaft bsoancot dwR not ba deetaad to have boo given to Leads marl] accady rFred ved by Laver. if racy sodea mquW by Otis Sot AW IasRmment (s 1110 retuired tinder Law. Or Appllmsble taw mgWmmrm waft adefy the din{ rophtmesit under dth 3mcuft m/ mmtmwmt it. [recltmg I.aw; 3elmts dab of CamttOrKd m. 7bb Socmity Lntnmront"U governed by federal low and the bw of the?tn in wtJrh the Prapesty is Ioe" Art 1104 sad tbli{adots c0nt11W in this Socttrity Immumsnt an subject to my agtiemWA and 4miudom of Applicabte Lax. APPUD" Law ndght a gWcW at W@U tly dew the portion to sj me by emmaa or it might be slbta, but stab sYemem shall not to eonsuuod m a prop-idea III," by doomml In do eve Wet any Povislon Or [same Of fhb SKVft InMmuauat Of Won Nose ? AppReable Low, such conflict sW not li bet W P tmmtm of Otif 3actahy Iofotmoet a ft Note which tan be given effect without the As med in this Be=* kOMMletC W wady of on moneulim pMu daA moot and include .nnsspmmft now wards or wade of die fee ieft goWlec. ) words Im the singuLr 94 mom and iecitwe the pled and vino V WI;11od (c) rho wed "boa- pNat soil dimeradoa m OOM any obligmtiom m take any MAIM l7. BE 4111s11 Copy. Baaower All be gives [me empy of IkNole mod of [hie Swm ily Lnmuamt. IL 1mW& of the Property or a Deserdw 7aeeua to vvTo ms. As used in ibis Section le, "LO M in do Psapatty" mean era lesser ar bmdit hlmamet to We PmopcrW. Including, bat no Nailed ton, [Mao bawfx ai In, 1 amonaem ed in a bond for deed cams. hr mead, mmdbmwt wta ocmtrect or aaow m{rMWL dm intent of which is do wmds of title by Bomowa m a l;nmm dad to a purdwer. 9 all or &V pan of dw at on a nmmM w and a beaefieInoraty in In in Baia or nts JPNWII or massfiond) is ? or tithom [ea (a s s Borrows is neoneonr Letmay taqmto imenmGgs pegrateat in Ad of all mu seated by We Smcw* Instrument. However. that option {ItaB mot be [txmrioed by Leader N smtl msamiee im pvhit"by Apdo 1sw- II` LAU16 %%UU6o JJ. upd=. IMAM JAMB mire ZUUWWot Iwdw ur madnwJuu. Tbo UUdm dun pmvido a period of not bus [had 30 doge gram the dome dye notice is ovat in a mnumoe Width Seedoe IS W*m which ldom w ISM M all tutu named by [bb Sm mdty Immoru mmm. If Baum= arils m pay then seem p w 0 We evielfiml of &b period. I?eltds may imvdm my ramedim permiued by flier SeemnW Immmtatcmt witim fwdm now or dmmmd an Borroma V Seelrmemar's RW to Bdawse After Acedusaim if Borrower mew cauln coodldtas. Domr* r daft bave don 601 to have cobco omot of" Sae ft fpep[pnottt dimaa 14 umd at any time prior to the Gomm a1: W an days befdm ate of ft Pro" psmmma to any power of e U oprudned a Wis Sma* hummm[m% (b) stoh ohs palod m Appliabb Law mifs<spedy for the mnmi cstiom of eorrvwa's light to Wmem% or (c) entry of a f>d{tment wm*g ride Boca* IneOtm ML Thom con"mw see that Bamwx. (t) m L xW 110 same %A ch Won waW k ft rodme Wit {catch ItuommMmt ad ft Note w if no WedcNAM had ocarted: (b) can oty 4tdamk of my odes coveaaoe or ogreeromtar (c) Pays aY mrow: u"' ' 4RA(PA) [M.'s P046 is n if FOPm 11014 1101 Rt 1890PG486 I Sap-25-2009 03:51pm From- T-105 P-025/038 F-931 243917050 enPonaa h OMW in atfowt iai dtia Scewity lnsouMent, inckWiog. bw trot M ahod o0. namable a eresys' recs. propmtty Inspeedeo and vahsdon has, and odim fay incwmd fir do purpose of pm eccim Leida's inmrott in the Piopagr and rWo usda' Ibis Seoasity Iawsnmeea; and (d) a&= wch s-dwt as Loader may n'stoaablY taguir* te Wo m that Leader's ham in the PmpcM and sighs under ikfw S&x" Nwumew. -- - - -- -- -- -aM IMrttttsa'n adhli?atiem m puny thn Iama rrr..... by this Snift Altattmdtni chs coodntaranahmmod.- Linder mmy Minhe ON Bonn pay such miowmtt om Mos nrd expanse a one or moss of dw following farms, as selected by Leader (a) eaab; (b) money order; (a) emdlIed Oback bet dock a ouver's Awe or cathkr's clISCL Padded any -cis cboclt is drawn upon do inW Wm whme deposes are toaarod by a fedora! Wey, immaomtelity or awdty: Or (d)1sJmatiic Funds hander. Upon ralMmbfaent by Borrower. this Sour lmamaem dad obMat o w eeeered kaaby stein amain rally esteem a! if no moolermon Md eeeanod. However, dda right sordusmu gat eat apply in rho cm of amdaadon under & tam ig. 20. Sate of Note: CM W of Loaa Ser ward Roder of Grievance. Thu Mora or a pOW bnad a U the Noe- (m SA& MO "Secuty lnm m * an be sold one or lam dabs wW wt prior notice to Bprrpwa. A sale t*ht result in a amp in the oft (broom m be 'Lena Service o dot callow Ped*& Payment due udder the Now end die 86co ft Ieeotu mm mod paferms odic moapp tom servicing nbDSakm undo ft Note. this Saxtn4ry bwaanm t sed AppGmbb Lew. Mum aim ow(ght be one or arse dwages of rho Lam Saviour soraUiod m e agile Of me Nos, If dtae is a dingo of dte Loth Servloer. Bom moor .via be girth writ n aotis0 Of Oro ehu& which will atere db nants and addtnaa of iba oew Lon SwAc a, tftc Address to which pgmens should be mad- and any odor kftteaion 1fiESPA soqubas in wmocdog wUh a notice of trmad 6 of awAcing: N do Noem it sold and dmmahw the lost T< M*W by a Lea 9w*w odw than the pmchsser of db Nos„ the m0[Igage lose g ouptioaa to gww*w wm raaain with the Low Savieer or be vood red to a iamccow Lam Sovioot and sue not wwwd by db Nome purehuo Ukwts odarwise provided by "pi t-purd amer. Nadler Oowwo nor Leader may eadmeom, Mo. or be joined to any jodicid anion (w either on Individual adorn or dna atembec of a does) due wism bm dw ather p M's ocdom putntwint w this Saawtly fnMUMt or that ofldgat dial du other Pro' isms bnmclud nay PwvWw of, or my duty owed by room of, this So=* Inaauoteat, Mo such Bonower orL adder hat nodfbd eke other party (wish stab rube- &M is t:Om UAM wkh die reggiamstOme of 8acdoo 13) of NO Aftad Waco and Worded the older pffW kerem a fee-obk Pu tad after the Oft of itch nods to iflx corwa twe dcooa. If Appdrc*k Law provider a doe period which mua1 dqm bofera Camia anion eau be 'Am. That doe pwslod uO be doomed ce be raeaabble for porposee of this pua®rsph. The oodoo of aead0adon and opporom ft to ease given to 9ammw pnnsnrnt to Secddn 22 and die notice of awdoodon Om w baaoww penmen to Socdm is slue be deemed to Satisfy disc oodm and oMorOdmity to fatlta co reodve dodw pmvisio t of dhis Section 20. 21. >f A3 rdous SWUMINceL AN riled In ibis Sacdou 21: (a) 'Neamdoue Sa wwAs' am tlwosa suhamnaa defined am w xb or haaadow subsimm, pdaotens, m wastes by ibavn=mmtd Law out dba fa0owin6 subsdw-L Gasolinw kwoseme, odder fla anobb or time poaolc m p*dKe w* paaicidos and herbWes. volawile solvents, ntsm> wm conmiinbS mbwce at Seudnaldahyde, end sedkmdvc ammela: (b) "Fwviroriiaaiul caw" woods federal Uwe etas Uan of dbe jurisdeedoo wheda den Paopcrq is lowed due relate to hedth, safety or envirommsotd pletecdon: (-) "Sorrbawta eel Ck+adap" krJvdos sty reipads action. remedial action. or removal aadoo. d• derwd in Bavkcque pm( Law. and (d) as 7Avka wroeoud Caodldon" means a condition diet tad dome. convauta t% or otbawhe wtigga on aovk=mw W Cleanup. tnlt4e! a? 4R•/lphl tO.an Pya tool is Fame SM vol RK 1890PG4862 S9p-25-2009 03:53pm From- T-705 P-026/036 F-937 943917059 Rommor am am oatse or Petmit (he Presasc4 we, tlisp0sd, Maio. or intone of soy Huwdm Substa M. or damin io rdmn say tbaailotta Stdtsttaon, od m In the nVolly. Bamowor *A not do, nra allow anyone she to do, agbisg afhet j (+V dot Is is violas w of my BnvhoammW Low. (b) which riaelea a BOV6are 1f" ceetaal0a, or e) whiob, dW w dw presence, acre, at tole a of it Hawdooa Svbatonca, mates a MM M 1st gm* dracts dla An or dooPf po arty. Iteo psood-ttq two - - - - - - - - - - - - -staeteaers dsdl tttx ap(dy_qbin pelt,-vok or Swipe M dta A of gtaotiiier lietarrrot[s - - - - - Sobsttaaee filet are WeneteW seep to be apPtoPeato is AOmW seddoodd was ad to malown ace of the iPropaty (i mb diog, but not liro?lod ro. bantdooa rebemooes in weamet pod" JUotsoaer shall praspty gitro 1:aodtr wttmm Wd- Of (8) MY CWM. &Anmd, lawsuit or odor eddaw by tiny aovasuaerttd o[otaoory qr or vse scgr lsvhrinS the Property sett my Hatatdow Subsom oc Hnvkosmenpl law of wlddt ?1::MP has sacral Iarowlodae, (b) my SnvimelnenW Cosditioe, kwk t5 but not Waited m, %$ft, i dit. &,*WAuhuW or Brest of rt30te of any Hasadoua Subrotese, mrA (e) my ooad9lfon caused by des paseaec uda or rataaa Of n Hvzmbw Subnonce which adwc7sly alroac do vshte of the >'ropatty. Ir Banister loom of is added by any Sovaanawtat or rodaWM sutbarity, of Bay priva a ppaerrryry bat soy samovel or other nmeambn or any tlstatdat[r Subrgope sJfettisg the PraP40' sal'. EeaOws A A Wwpdy tehe ou moeasrynxwdidl acdM is acootddow with Bnvitoanleotd tow. N*6ft herein chap mote my cuptim on Lendtr roe an Rnviriew W Caa up NON LWFORM COVW 4AM.9Wowa ad Under NOW ooveamt and spec as rOMW. 22. AaWWvllor, Remedies. Laden ISM give autos is Donwerpdot to accabrsdon fWswistt Asn4wgre breath of esy 4* , -t a aaeameat is " Sta" MI RvUat (bat not prior to accida q0r urdtT Seotlor n rrlae AppArabk yes paeldes adei eww. Lemw ad so* tt4rrortsr of, sett SOW W-W (a) the ddM% (S) die eNbr ngtttred to sere as ddhzW (e) t bas the ddavit must W cared; sad (4) that Mare to ears the ddsdt atapedW rear ramp to aecdastioe of the tutwa aaoar4d by mU St t * 6atrrtrat, 9arecioare by jtrdidai pre aeft and tai of of il`sep". Ltstdet died hi ter hale m Slot *wear the dtbt N vehmb aJte acgdmdm sad the ht to asset in as Mondeme promodiot ttte m s wence or a detwa ar Baler dehart of aarsaw?ar to 11"dararfor lorecJOaetre. If the ddleak is set acrd me spsc6m at fa opdoa my "cire mimmudh paym In ran m sA new axrrat by thla Inaarestptt wddlottt f ~ twat std mpg le e/ p 7', r jrdMd p MdkL IAMW AM be added to cokes ad pr" H d thin 80101011 22. WMA", bet not baited t0, strarte?ya' iii of tide evfdaee to the eemt PamtpM by AppNombie Lnw. don Psyo a of all soar? eeaurad by den Seoorigr UnN MM. this Iastratnent B d a coovord do l losetow nod 0400419 void. Aft such MWOloce, lAffidtp d1lMWV and d ft as tmmt. eottowe shtdl p my say tscotdedoo coos. Lander soy chirp Bevrowtr a fee f se( t? dtarg' of ft fee Lary toual?lf Ihs set is PAX ae a Ildrd pity for revkes rtndeted and ft pestubw Imdrs Law. is- Watrerf 8oeower. so do Oxied perm sed by Applipabis yaw, wrivm and rsJaexs my erne or mf 0100 Ibb Ssamty fasssrt K add"vm s dw bene& of say pmn[ or ruwn laws t ft for stay of eceeaaon, ammioa of dm excropam ft= sttwehlr mr. levy ad Sdr, and hoA -Nod e?aptcoo. 21 iRafrni" PWhfi In fdl W, Pwfti in ,9rrtirm 19 thell faced Oo ono hour IMOVto the wtntnmMentor 6 S a a ads at 0100' We patatM 0 this Seeudty JAjp mmL. M• Flunduue Mona i!b?rtS[tpe, if my of dte d* =Vred by to SwAty lasatmimi is rat w Borrower to mqube we to dt rJapaq tai Seataty btaarwom tirallbe s p anise sanay 27. IoWm Rata Auer b ftft=t, BOrrsaler eWosa bat bt: lownc rata pay d M Imp( A ontrrad on the Ndle or J0 en aedore of [no[[gdge foteClOare sbdl be des Mt pgrabk from bate to droe trndsr die Note. 4%•etPA) M"7 peNq: 1 P.H isN 1• Norm 4044 1fOv OKI890PG4863 Sap-25-1009 03:53pm From- T-705 P-027/036 F-937 243@17030 BY SXNM BELOW. Bmww r WA 42rft to the W= *ad coveaaatl OnWrod bt this Sww* h4vuM"t Wag is ray Rldu "MOd by B=ower rod =Kded wilt it. (SOU -borrower (ft o •sMMar at-ltV°t 0,07, AK 1890PG4864 -(Soo •90muer (Sat) •BOrtawer -(Soo -Dwower - MUD (Sera •8 omecr -Borrower rage 16 el N ttILL (Soo •eerrorror Pere BBae 1161 seb-25-2001 03:53pe Froa- Ael C"I awwo. I f: ao ltdi U-WINS DEFT 4 917176529048 STATE OF COUNTY OF SS. T-705 P.028/036 F-937 NO. 2" D02 On this, the ? day of ike ?? . 2004, before roe, e No Y, ic, the dtgirl ed otfieer, personally eppcarod !w; /i ?t}i`f • -CCt?O+?f known to me (of satisfacwdly proven) to be the person(s) whose name(s) ft/are subscribed to the within instrummt and ackaowlaW that hdihaftey executed the seme for the purposes therein contained ild WITNM WHMWOP, I harcuoto set my hand and official seal. My Commission Expires; awrooafe K -q-e4V . Ng" PuWc UW FOwUI 1 y,. DKOW COMFY tibial E?rar Nov. ea.9our 7!!?+yAr..a neewNbe OlNdul r tNQWyPhuAIbJIik 8K 1890PG4865 Sip-25-2009 03:54pm From- Order Numbart 000085086 Re: WILLIAN GO$TZ T-705 P.029/036 F-937 i •mr. a. 13:4e rai 375 SAINT JOHNS DRIVE CARP HILL, PA 17011 CUMBERLAND County EIHIHIT 'A' 690PG4866 ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Bampden'in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin on the eastern side of St. Johns Drive (formerly Point Ridge Orfve) at the corner of lands now or lake of Kurvin W. Lauer; thenca North 64 degrees 59 minutes Fast, along the game, 206.40 foot to A point; thence North 25 degrees 01 minute west, 7.6 feet along same, to a point; thence North 64 degrees 59 minutes East along Lot No. 64, Revised Plan of Section No. 3, Point Ridge eurms, 88.28 feet to a pointr thenco South 29 degrees 39 minutes East, along lands now or late of Barbara Rogers, 232.35 feet co a point; thence South 55 degrees 56 minutes West, along same and lands now or late of watts, 257.09 feet to a point; thence North 33 degrees 11 minutes West, along the easterly side of St. Johns Drive (formerly Point Ridge Drive) 102.65 foot to a point; thence North 40 degrees 7 minutes west, along some 168.60 feet to the place of BEGINNING. DD 251 PAGE 3712 PARCEL 10-20-1846-115 Page: 5 of 5 ,..r 1 Certif, r. , J :fit Ordar Number 000085086 Sap-26-2009 03:54pm From- T-705 P-030/036 F-937 243627056 AWSTABLE RATE RIDER a=l 6 Mao* b&W W %bBebed ii The Wall Stmt Jo.,.o. Jtam Caps) - - -- -- - - -- --1'R757 MUSTABILj1I" n IIIDBR li-M& &s lad day of 31M.MWESt soot told IS lttaotporated iam mat shag be t 0MA m amend ad sn6Aietneot 61 morl". Deed of Tkmt of Sttcudtyl)md fdte "Soatdty toumeat") of 1St am date jiver by the un&migmd (die 'Bennwa l tnsmma Am+nwrr'e AAjneraN. Vote mm oa 'Noll) e cm m at0W cauxltr miWary. WX (be "Loader') Of dc SSW date AM ebvaeimg the PtWUll du aibcd is 1St SKV ty Iestrumtnt aad Imrad at- 315 IT-Jews Dam cRW ass, PA 3,7011 l Foo Aduoul NOTE CONTAINS 1PAOYom ALLOWICM6 Fm CRAMS IN THE QITIZB=ST BAT,6 AND = MOMSO.T PAY11QIq'. TU NOTE LOAM T= AMOUNT THE B 'S D W MTE CAN CRANC= AT ANY ONB TTMS AND THE MA7LOr= RATE = BORROWSR MUST PAY. ADDIT10NAL COVENANTS. In adMM to the cowmm tmd agrocm m tuck is the Secotity loeaameat. Sallower aad Lcada< ftdw comm and .pall as fa tws: A. =MST RATE AND MOMMY lAYbCM CRAMS • Tha Ntm provides for uluitial iorenet tats of 7.250 'A- Tho Note pmvidet for chaagos is the immot eats and rite aooMy p6ym . as follows: 4. brffJSft 1tATE AND MONTHLY PAYliMW CRAMS (A) Ch" Dries Tba isaame rate l will pry fM cl at=a m the iStb day of 006 and on dot day every 6=Y --h IS=ftr. Each date on wbit?r jute tonld ebatye is called a 'Chmp Date.' (0) TM IadcK Befiooigg with the Amt CbWp Date. my satmt s mic grill be based ten m -x. The 'iodtlt' is the evcnap of inm mk ofRsed rase hr 6 m0adt U.S. doWr4kuomimW dlpotita in the Loa" =I= ('LIBOR'), as pablisW in 1fte Wag SW O lo mad. T•be mat =at Iadox 5Pm available u of the &a kirsA Mu rpm '1 (mil ,R?6MmhLra ' y "- Aae 1 co [?Qk BK1890PG4867 $0-15-1000 03:54pm From- T-705 P-031/036 F-037 243817038 bash"n day of the moods inumcliatdy, encoding die arena in which the Chaaga Dale amrs is ailed The uftentLtdm" if 1110 Licht L no 100 11VA to, the Nola Holder wZ choose a new Ltdox that is bare4 upon eempetable loft-400. The Note Holder WM Siva tae aadca of d& dmk,. (C) C111mtloR Of CAtoogas an 11W 09 01000? 0V& 4M Note Holder UPM colculala my now ins6?est sofa by adding { 9.800 ,i,) to dw Cttaeat Iodm The Nos IiaWer wa then round PAINLINOW tk moult off d is; addition to the noom on"thot or one petraotsse Vo4N (03H 6). Sub* to the linwls swted in Seodw 4(D) below, 41111 rotwdatl amount wlllbc toy new Iatelasl a e tmtit the ner(t Chmtse Date. ne Nos Holder will that dotoMd" the amotatt Of tilt ta0nthly payment out would be sufficient to May die unpaid principal that T am ape=d in owe at the Chttogo Data in hU on the Mawky Dwa of my new incur& rate in subsi miaby equel paymmu, The moth or this eokUlotion will ba the new amount or my moodily MINA L (D) Lm dbt an Imm al Rare CAunso Thu a raw I am nq dit m pay at tae ff st (Stance Data wiU not be greater than J.25 p If o ar less dtao 7.250 7]t?efpr. my interest ime wID now i 7 be In 000 300 a my& ?ma ?o there ( 1. o 00 poroeittsge poinKs) Tit from months. Interest true W11 trays be tgroster tho I iea _b srraysyme for the procading 6 ?,, • (E) Effkd" Date or C640 • or 10-W thaw 7.250 ti. My new Interest tans will, baome tffadve. an @&A Choose Duty i will pay ttto amount or my new monddy payment besioniog on dto Sm moatitly psystrot des; du the Cinenae Deto nedl the wwwr of my monody MR" Changes asam. M Notice of Chrtmge The Now Holder will daw" or ffm to not r nodca army changes it; my intm* rate surd dte amount of my 01501" payotewt bftn do effective of any dwam Tltc notice will irlt lnd0 initaminn r4id rA try law to bo swan me and also pia telephans number of a pasctt who will amwa any question I may have re.prdioL th4ttgtkn B. TRANSDRR OF THE FROPLeM 08 A BE7dBF CUL DMEMT IN BORROWER Unifomt Cnveamt 17 of the Secaky, Inmttment Is ameaded to tad as fanows: 't'rawler of the prop"" or a Baadldai Lsreruet is Barrows r. x an or any pan of the Property or any Atmost in it is sold or am$dsred (or if a beneridd Interest in Bttrmwrr is cold or v=sfctrod acrd Bamnuer it out a mad person) wubom Loon's prior wuuoo cmucat, Imilcr may. st its option, require a*r+•diab Mment .n f ill sr alt .w..b &-w•d L2 ddb 3ma ky Lwuuwwn. Mjvm a. dos update W" not at Croriism by I laWrr it mrniv. is pmhlMW by &drnl yw of of the date of this 4urudty lnaeument. Lurtdw also stall not etercisa dais option It (9) Boanwa corm to be submitted to Lontdrr infomt cloo roquiw by tram. ? ft $300 (9705) Pape 2 et 9 Form 2130 9196 6K 1890P64868 Q r r -EL Ti-?r- t tr ff'?' O F,-, _ raRY 2003 OCT -9 PM 12: 17 CJT'i 50 Pa AYN - !o?'Sa oZ 2T# a3!(p70 Sheriffs Office of Cumberland County R Thomas Kline Sheriff ???trxty of ?arrrt?,?rjrf?? t .? ?? rtC 2004 OCT I S AH a: I tl Cut. r . w4,rr v',i?,fi Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor Nationstar Mortgage LLC vs. William B. Goetz Case Number 2009-6749 SHERIFF'S RETURN OF SERVICE 10/13/2009 05:39 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on October 13, 2009 at 1739 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: William B. Goetz, by making known unto Linda Goetz, wife of defendant at 375 Saint Johns Drive Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 October 14, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF Au y Cf Michael S. Travis ID No. 77399 3904 Trindle Road Camp HIII, PA 17011 717-731-9502 mst@mtravislaw Attorney for Defendant Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 - 6749 ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE NOW COMES the Defendant, William B. Goetz, by and through the office of the below signed counsel, and Answers the Mortgage Foreclosure action as follows: 1. Denied. Defendant is without information to admit or deny this averment, and the same is denied. 2-3. Admitted. 4. Admitted in part, denied it part. It is admitted that the Defendant executed a Note in favor of Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as the principal and interest in equal monthly installments commencing on January 15, 2005. It is denied that the current interest rate is 8.875 percent per annum, payable as to the principal and interest in equal monthly installments of $4,960.27. Strict proof of the current interest, principal and payments due is demanded at the time of trial. By way of further answer, without modification, the current annual percentage rate, and payment are unconscionable. 5-6. Admitted. The document speaks for itself. 7. Denied. It is denied that the Defendant is in default of his obligations pursuant to the Note and mortgage because payments of principal and interest due June 15, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable together with late charges, escrow deficit and costs of collection including title search and reasonable attorney's fees. Strict proof of default, principal balance late charges, escrow deficient and collection costs are demanded at the time of trial. 8. It is denied that the following amounts are due on the Mortgage and Note: Balance of Principal $487,898.75 Accrued Interest 5/15-10/8/09 @ 8.875% per annum ($118.63 per diem) $17,438.61 Accrued late charges $1,457.82 Corporate Advance $274.30 Escrow Advance $1,122.44 Title Search fees $350.00 Insufficient fund charges $20.00 Reasonable attorney fees $1,250.00 Total as of 10/28/09 $509,811.92 Plus the following amounts accrued after October 8, 2009: 8.875 per cent per annum ($118.63 per diem); Late Charges per month. Strict proof of the amounts due is demanded at the time of trial. 9. It is denied that Plaintiff has complied with the provisions of Act 91. Strict proof of compliance is demanded at the time of trial. WHEREFORE, Defendant prays this Honorable Court to enter Judgment in favor of Defendant and against the Plaintiff and grant such relief as the Court deems just and proper. Mi~iael S. Travis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravislaw. com Attorney for Defendant Date: /~~~ 2 ..v Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 - 6749 VERIFICATION The statements made in this Answer are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa.C.S. Sect. 4904 relating to unsworn falsification to authorities.. 2 G'~ ~ . William B. Goetz Date: ; ~- j~' ~ / Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 - 6749 CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC c% Mary LHarbert-Bell, Esquire Milstead and Associates, LLC 220 Lake Drive East Suite 301 Cherry Hill, NJ 08002 William 6. Goetz 375 St Johns Drive Camp Hill, PA 17011 1 /.~ /1 ~ ~ ~ Attorney for Defendant 3904 Trindle Road Camp Hill, PA 17011 c~+~ _ '7Qhft k~^ t ^r ~'~ ~'~ ,i 1 _. Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant TO THE PROHTONOTARY: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 - 6749 ENTRY OF APPEARANCE Please enter my appearance on behalf of the Defendant, William B. Goetz. Date: ~~_ ~~..o~ Michael S. Travis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravislaw.com Attorney for Defendant Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 - 6749 CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC c% Mary L. Harbert-Bell, Esquire Milstead and Associates, LLC 220 Lake Drive East Suite 301 Cherry Hill, NJ 08002 William B. Goetz 375 St Johns Drive Camp Hill, PA 17011 Michael S. Travis 3904 Trindle Road c~ //l2-~ / Camp Hill, PA 17011 Attorney for Defendant r"1 'C ~~ ,~~rtr ~ ti . ~r,~,9 ~:!0 12 ~i ~~ ,:; JOHN MICHAEL MCBRIDE, Plaintiff v. LISA ANN MCBRIDE, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW IN DIVORCE ACCEPTANCE OF SERVICE I, Lisa Ann McBride, the Defendant in the above-captioned matter, do hereby accept service of the Complaint In Divorce. ., P ,~ A ANN MCBRIDE Dated: ~ ~ ~.,. r:,.~ ~.: Y. ~~- J _. c~~at, ., PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Argument Court.) (List the within matter for i~ ne$ ~ ° --------------------------- ---~ `~` c... ~ rT> ~ ._-•1 .~ ~_ ~- N c~ ~_ _ ,F- ~, ``.: CAPTION OF CASE (entire caption must be stated in fulq ~ ~..~ Nationstar Mortgage, LLC f/k/a Centex Home EquityCo., LLC '~ ~_ ~ 'v i vs . ~- "' n William B. Goetz No. 6749 2009 Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Motion for Summar Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: ~~ ~~ ty rn : Marv Harbert-Bell Esy 220 Lake Dr East, Suite 301, Cherry Hill, NJ (Name and Address) 08002 Micahel S. Travis, Esq. 3904 Trindle Rd., Camp Hill, PA 17011 (b) for defendants: (Name and Address) 3, I will notify all parties in writing within two days that this case has been listed for argument. June 18, 2010 4. Argument Court Date: August 18, 2010 S,~ig/nature ! L Print r name P(~h ~, /~8 ~ /v Attorney for Date: c~ / INSTRUCTIONS: 1, Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. MILSTEAD AND ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID Na. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 9.11104 Nationstar Mortgage LLC f/k/a Centex ~ COURT OF COMMON PLEAS Home Equity Company, LLC ~ CUMBERLAND COUNTY Plaintiff, Vs. William B. Goetz No.: 2009-b749 CIVIL ACTION Defendant 'MORTGAGE FORECLOSURE CERTIFICATION OF SERVICE I, Mary L. Harbert-Bell, Esquire, hereby certify that on June 18, 2010, I caused to be delivered via United States first class mail a true and correct copy of Plaintiff's Praecipe for Argument and this Certificate of Service, upon Defendant's counsel addressed as follows: Michael S. Travis, Esquire 3904 Trindle Road Camp Hill, PA 17011 Attorney for Defendants By: Mary L. arbert-Bell, Esquire Attorney for Plaintiff {00459737} l MILSTEAD ASSOCIATES, LLC BY: Patrick W sner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, N 08002 (856)482-140 Attorney for Plaintiff File: 9.11104 Nationstar l 4ortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, Vs. William B. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2009-6749 C o -n --q riiw- C- T ? - o ? z C) t - cn ° _zQ _ 2-- 35' N Om CIVIL ACTION Defendant MORTGAGE FORECLOSURE TO THE PlkOTHONOTARY: y withdraw the Motion for Summary Judgment that was filed on December 8, 2009, with regard ?o the above captioned Mortgage Foreclosure action without prejudice. MILSTEAD & IATES, LLC tsquire 203145 Patrick Wes Attorney ID 100599675) MILSTEAD ASSOCIATES, LLC BY: Patrick W,-suer, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, N 08002 (856) 482-140 Nationstar Home Equ Attorney for Plaintiff File: 9.11104 Drtgage LLC f/k/a Centex Company, LLC Plaintiff, Vs. William B. oetz COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2009-6749 CIVIL ACTION Defendant MORTGAGE FORECLOSURE CERTIFICATION OF SERVSE I, Pa rick Wesner, Esquire, hereby certify that on June ? 2011, I caused to be delivered via United Motion for ? follows: first class mail a true and correct copy of Plaintiffs Praecipe to Withdraw Plaintiff's Judgment and this Certificate of Service, upon Defendant's counsel addressed as Michael S. Travis, Esquire 3904 Trindle Road Camp Hill, PA 17011 Attornev for Defendants {00599675} _, ED-OF iCL L' PROTHONOTARY MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, 2011 JUL 25 PM 2'. 59 CUMBERLAND COUNTY PENNSYLVANIA Attorney for Plaintiff File: 9.11104 COURT OF COMMON PLEAS CUMBERLAND COUNTY Vs. William B. Goetz No.: 2009-6749 Defendant CIVIL ACTION MORTGAGE FORECLOSURE PLAINTIFF NATIONSTAR MORTGAGE, LLC f/k/a CENTEX HOME EQUITY COMPANY. LLC'S MOTION FOR SUMMARY JUDGMENT AND NOW comes Plaintiff, Nationstar Mortgage, LLC f/k/a Centex Home Equity Company, LLC, ("Plaintiff'), by its attorney, Patrick J. Wesner, Esquire of Milstead & Associates, LLC, and hereby moves this Honorable Court to enter summary judgment against Defendant, William B. Goetz, in this mortgage foreclosure action and in support thereof avers the following: 1. INTRODUCTION 1. This motion for summary judgment (the "Motion") comes before this Court upon an action in mortgage foreclosure. A true and correct copy of the Complaint is attached hereto as Exhibit "A". 2. Defendant, William B. Goetz, (the "Defendant"), filed an Answer to the Complaint {00397558} in which he answered with general denials and failed to deny the mortgage default. A true and correct copy of the Answer is attached hereto as Exhibit "B". II. PARTIES Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff'), is a Pennsylvania Corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. Defendant is an adult individual and is the titled owner of the real property commonly known as 375 St. Johns Drive, Camp Hill, PA 17011. III. BACKGROUND On December 2, 2004, in consideration of a loan in the principal amount of $589,991.70, the Defendant executed and delivered to Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as to the principal and interest in equal monthly installments commencing on January 15, 2005. A true and correct copy of the Note is attached hereto as Exhibit "C". 2. To secure the obligations under the Note, the Defendants executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated December 2, 2004, recorded on December 10, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1890, Page 4850. A true and correct copy of the Mortgage is attached hereto as Exhibit "D". 3. The Mortgage secures the following real property (the "Mortgaged Premises"): 375 St. Johns Drive, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached {00397558} hereto as Exhibit "E". 3. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due June 15, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. A true and correct copy of the Payment History is attached hereto as Exhibit "F". Also see a true and correct copy of the Truth In Lending Disclosure Statement attached hereto as Exhibit "G". 4. The following amounts are due on the Mortgage and Note: Balance of Principal .............................. $487,898.75 Accrued but Unpaid Interest from 5/15/09 to 6/30/2011 7.25% per annum ($96.91 per diem ...................................$82,007.80 Escrow Advance .....................................$11,380.06 Property Inspections ..................................$173.55 Non Sufficient Fee ......................................$20.00 TOTAL as of 6/30/2011 ................................$581,480.16 The following amounts accrued after June 30, 2011 Interest at the Rate of 7.250 per cent per annum ($96.91 per diem) 5. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly ("Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendant at 375 St. Johns Drive, Camp Hill, PA 17011 on August 14, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. A true and correct copy of the Notice is attached hereto as Exhibit "H". 6. According to the Note, Plaintiff may recover the attorneys' fees and costs incurred ;00397558) in this action. At the time of the entry of final judgment, Plaintiff will submit proof with regard to the actual amount of attorneys' fees and costs incurred in the action. Although Defendant purports to deny, in whole or in part, specifically or by necessary implication, the averments contained in the remaining paragraphs of the Compliant, in reality said denials are improper and should be deemed admissions for the reasons set forth in the attached Memorandum of Law. 8. In the Answer, the Defendant admits that the mortgage payments are in arrears by failing to specifically deny the arrears. The Defendant does not specify the amount he believes is due under the Note and Mortgage. In other words, the Defendant admits the default, but fails to specifically dispute the amount of the default. 9.. Defendant's Answer, therefore, does not create any genuine issues of material fact and this matter is ripe for disposition by way of summary judgment. WHEREFORE, Plaintiff respectfully requests the Honorable Court grant its Motion for Summary Judgment, and that.judgment be entered, in rem, as prayed for in the Complaint in favor of Plaintiff and against Defendant, William B. Goetz in the amount of $581,480.16, together with ongoing per, diem interest, escrow advances, and any additional recoverable costs to the date of Sheriff s Sale, and for foreclosure and sale of the mortgaged property. Respectfully submitted, MILSTEAD & ASSOCIATES, LLC By'? J Patri. W s er, Esquire Attorney for aintiff {00397558} MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 9.11104 Nationstar Mortgage LLC f/Wa Centex Home Equity Company, LLC Plaintiff, Vs. William B. Goetz COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2009-6749 Defendant CIVIL ACTION MORTGAGE FORECLOSURE PLAINTIFF'S MEMORANDUM OF LAW IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT 1. INTRODUCTION The within matter is a mortgage foreclosure action. The Defendant, William B. Goetz has filed an Answer in which the Defendant answered with general denials. Accordingly, there is no genuine issue of material fact to consider in this Court, and Plaintiff is entitled to judgment as a matter of law. IT. STATEMENT OF FACTS Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC (the "Plaintiff"), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. Defendant is an adult individual and the titled owner of the real property commonly ;00397558} known as 375 St. Johns Drive, Camp Hill, PA 17011. BACKGROUND On December 2, 2004, inconsideration of a loan in the principal amount of $589,991.70, the Defendant executed and delivered to Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as to the principal and interest in equal monthly installments commencing on January 15, 2005. A true and correct copy of the Note is attached hereto as Exhibit "C. To secure the obligations under the Note, the Defendant executed and delivered to Mortgage Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated December 2, 2004, recorded on December 10, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1890, Page 4850. A true and correct copy of the Mortgage is attached hereto as Exhibit "D". The Mortgage secures the following real property (the "Mortgaged Premises"): 375 St. Johns Drive, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E". B. DEFAULT AND RELIEF REQUESTED Defendant's Mortgage account is contractually due for the period of June 15, 2009, to date, a period of over twenty-four (24) months to the date of the filing of this Motion, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. As a result of Defendant's nonperformance, the present Action in Mortgage Foreclosure was filed and, as of this date, Defendant has failed to {00397558} bring the account current. III. ARGUMENT No genuine issues of material fact exist as to the Defendant's obligations under the Note and Mortgage or his default on those obligations. Plaintiff is, therefore, entitled to judgment as a matter of law. Pennsylvania Rule of Civil Procedure 1035. 1, et seq, provides that any party may move for summary judgment as a matter of law after the relevant pleadings are closed whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. Pa.R.C.P. 1035.2; Eckenrod v. GAF Corp., 375 Pa. Super, 187, 192, 544 A.2d 50, 53 (1988), allocatur denied, 520 Pa. 605, 553 A.2d 968 (1988); McCain v. Pennbank, 379 Pa. Super. 313, 318-319, 549 A.2d 1311, 1313-14 (1988); see, also, Celotex v. Catrett, 477 U.S. 317, 322-23 (1986); Musser v. Vilsmeier Action Co., 522 Pa. 367, 753, 562 A.2d 279, 280 (1991) (summary judgment is proper where the facts are undisputed and only one conclusion may reasonably be drawn from them, that is, in those cases that are clear and free from doubt). The relevant pleadings herein are closed and, therefore, Plaintiff moves for summary judgment. A non-moving party may not rely merely upon controverted allegations in the pleadings, but must set forth specific facts by way of affidavit, or in some other way as provided by Rule 1035.2 of the Pennsylvania Rules of Civil Procedure, demonstrating that genuine issues exist. Atkinson v. Haug, 424 Pa. Super. 406, 411, 622 A.2d 983, 985 (1993). Bald, unsupported assertions of conclusory accusations cannot create genuine issues of material fact. McCain, 379 Pa. Super. at 318-19, 549 A.2d 1313-14. Defendant essentially admits the material facts set forth in the Complaint. In his Answer, 100397558} the Defendant admits paragraphs 2, 3, 5, 6, and the first averment in paragraph 4, thereby admitting, inter alia, the validity and existence of the Loan as evidenced by the Note and Mortgage, and the fact that these documents secure the property of which Mr. Goetz is titled owner. Rule 1029 ("Denials. Effect of Failure to Deny") states in pertinent part: (a) A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. A party denying only a part of an averment shall specify so much of it as is admitted and shall deny the remainder. Admissions and denials in a responsive pleading shall refer specifically to the paragraph in which the averment admitted or denied is set forth. (b) Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by sub-division (e) ... of this rule, shall have the effect of an admission. (c) A statement by a parry that after reasonable investigation the party is without knowledge or information sufficient to form a belief as to the truth of an averment shall have the effect of a denial. The language of paragraph (c) notwithstanding, however, reliance on sub-division (c) does not excuse a failure to admit or deny a factual allegation when it is clear that a pleader must know whether a particular allegation is true of false. See, Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978). It is well settled that a general denial is unacceptable and deemed an admission where it is clear that the defendant has adequate knowledge and that the means of information are within the control of the defendant. Elia v. Olszewski, 368 Pa. 578, 84 A.2d 188 (1951). Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978); City of Philadelphia v. Hertler, 114 Pa. Cmwlth. 475, 482, 539 A.2d 468, 472 (1988). Goodrich-Amram, 2d, §1029(c)(1), p. 280. A general denial effectively manifests an admission to the facts averred in the complaint. Swift v Milner, 371 Pa.Super. 302, 308, 538 A.2d 28, 31 (1988); Michner v. ,00397558} Montgomery County Tax Claim Bureau, 671 A.2d 285, 288 (Pa. Cmwlth. 1996). Although the Defendant purports to deny paragraphs 1, 7, 8, 9 and the second averment in paragraph 4 of the Complaint, which aver the address of Plaintiff, amounts due on the Note and Mortgage, default under the note and mortgage and receipt of the Act 91 notices, Defendant's averments amount to nothing more than general denials and demands for proof. By failing to even allege factual defenses to the allegations contained in the Complaint, Defendant essentially admits the material facts set forth in Plaintiff's Complaint. Defendant generally denies he defaulted on his obligations under the Note and Mortgage, however, offers no cancelled or returned checks or any other evidence of a payment dispute. A payment history is attached as Exhibit "F". Defendant generally denies the amount due under the Mortgage without reference to what he believes to be the correct amounts due, or reference to any good reason to believe that the amount sought is erroneous. Unquestionably, the defendant knows specifically what payments he made on the Mortgage. Accordingly, because the Defendant is charged with having sufficient knowledge upon which to base a specific denial with respect to the averments in Plaintiff's Complaint, general denials are insufficient to raise issues of fact. Cercone v. Cercone, supra; City of Philadelphia v. Hertler supra. The Pennsylvania Superior Court has held that, in order to raise a genuine issue of fact, defendants may not rest on the pleadings, but must sustain the burden of presenting facts to counter Plaintiff's averments. New York Guardian Mortgage v. Dietzel, 524 A.2d 951 (Pa.Super. 1987). Washington Federal Savings and Loan Association v Stein, 515 A.2d 980 (Pa.Super. 1986); A party will not be able to rely on 1029(c) and be excused from answering averments based on a lack of information where that party has sufficient information {00397558} at its disposal to answer such allegations. Commw. by Preate v. Rainbow Associates, 138 Pa. Commw. 56, 587 A.2d 357, 358 (1991). The Pennsylvania Superior Court reiterated this principle in another mortgage foreclosure case, holding that the mortgagors' general denials in their answers to the Complaint must be considered admissions. First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192, 653 A.2d 688 (1995). The Court reasoned that the only persons with knowledge of the amount due, besides the mortgage company, would be the mortgagors. Therefore, if defendant mortgagors do not plead specific facts in response to the allegations in the Complaint regarding the default and the amount due, the defendants are deemed to have admitted the allegations, and summary judgment for the mortgage company is proper. First Wisconsin Trust Co., supra. Defendant also generally denies the facts that Plaintiff's address is 350 Highland Drive, Lewisville, Texas, 75067 and that Plaintiff mailed the Defendant required Act 91 notices. Defendant's assertions are without merit. Attached as Exhibit "H", is a true and correct copy of the Act 91 notice of intent to foreclose sent by Plaintiff on August 14, 2009. The certified mailing number on the top of this notice (71045400210022762304) coincides with that of the United States Postal Service's Track & Confirm receipt (Exhibit "I"). This receipt shows that the notice was delivered back to the Plaintiff on September 08, 2009, at Plaintiff's address in Lewisville TX 75067, as they were not signed for by Defendant. The Act 91 notices sent via regular mail have not been returned to the Plaintiff and, therefore, it is assumed same were delivered. In this case, there is no genuine issue of material fact as to Defendant's default on his obligations pursuant to the Note and Mortgage (sometimes hereinafter collectively referred to as the {00397558} "Loan Documents"). The Loan Documents state that as conditions ?of the Loan Documents Defendant must make all payments required by the Loan Documents when due and in the amount due. The Defendant did not specifically deny the default under the Loan Documents. The Loan Documents also state that if this condition is breached, Plaintiff may declare the Mortgage to be in default, demand immediate payment of the Note and foreclose on the Mortgage and Property. According to the Loan Documents, Plaintiff may recover the attorneys' fees and costs incurred in this action. At the time of the entry of final judgment, Plaintiff will submit proof with regard to the actual amount of attorneys' fees and costs incurred in the action. IV. CONCLUSION Defendant essentially admits all material facts set forth in Plaintiff's Complaint, which include, inter alia, the existence of the Loan evidenced by the Note and Mortgage executed by the Defendant; that after demand, Defendant failed, and continues to fail, to comply with the terms of the Mortgage, including payment thereof, for an excessive period of time, and that Defendant is in default of the Mortgage. Again, the Defendant admits that the mortgage payments are in arrears by failing to specifically deny the arrears. Since the Defendant does not dispute the default under the Loan Documents there is no material fact: subject to a genuine dispute. The Defendants make only bald unsupported claims that cannot defeat summary judgment. Accordingly, the instant matter is ripe for summary judgment and, for the foregoing reasons, Plaintiff, Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, respectfully requests that summary judgment be entered in its favor and against the Defendant, William B. Goetz. Respectfully Submitted, {00397558) MILSTEAD & ASSOCIATES, LLC By' a 4.e , Esquire {00397558) EXHIBIT "A" {00397558} To: W, `1LaM R C,-'h- ' You are hereby notified to fi written response to the enclosed MILSTEAD & ASSOCIATES, LLC r within -- BY: Mary L. . HarbertBe, Esqutre twenty (20) days-from the service hereof JD-No.80763 or a judgment maybe entered against_y_ou._ 220 Lake Drive East, Suite 301 Attorney for Plaintiff CherryHill, NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 9.11104 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company, LLC CUMBERLAND COUNTY 350 Highland Drive Lewisville, TX 75067, Plaintiff, Vs. William B. Goetz 375 St. Johns Drive Camp Hill, PA 17011, Defendant No.. 09- (., 149 aivit (erVh CIVIL ACTION MORTGAGE FORECLOSURE ' C ° o -rt t.0 7 6 l -) T` ?C-3 C rv b rn z cam. -c NOTICE _ You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty, (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 *?*?k*at'k**?**iE?Y*?Yit**:_____.????iEk*?t**?***?Y*k***?k*?t?iht??YX*?k*?t?***?IHF+k*i?#*ieaY**?i?Y* - - _ _. .. NOTICE PURSUANT-TO-FAIR DEBi-GOL-L-EG-TI0N-PRAG-T1GES=AC-T 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. M1LS'IEAD & ASSOCIATES, LLC - BY:=Mary-L-Harbert Bell,-Esquire ----------- =- ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff Nationstar Mortgage LLC f/kta Centex Home Equity Company, LLC 350 Highland Drive Lewisville, TX 75067, vs. Plaintiff, William B. Goetz 375 St. Johns Drive Camp Hill, PA 17011, Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAIN'T' IN MORTGAGE FORECLOSURE 1. Plaintiff, Nationsta Mortgage LLC flkla Centex Home Equity Company, LLC (the "Plaintiff'), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 2. Defendant, William B. Goetz, (the "Defendant"), is an adult individual and is the real owner of the premises hereinafter described 3. William B. Goetz, Defendant, resides at 375 St. Johns Drive, Camp Hill, PA 17011. 4. On December 2, 2004, in consideration of a loan in the principal amount of $589,991.70, the Defendant executed and delivered to Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as to the principal and interest in equal monthly installments commencing on January 15, 2005. The current: interest rate is 8.875 percent per annum, payable as to the principal and interest in equal monthly installments of $4,960.27. 5. To secure the obligations under the Note, the Defendant executed and delivered to Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated December 2, 2004, recorded on December 10, 2004 in the Department of Records in and forthe County of Cumberland under Mortgage Book 1890, Page 4850. See Mortgage attached. Pursuant to Pa_R.C.P. 1019 (g) the mortgage is incorporated herein by reference- 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 375 St. Johns Drive, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached hereto as Exhibit "A" and made a part hereof. 7. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due June 15, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Balance of Principal ................................ $487,898.75 Accrued but Unpaid Interest from 5/15/09 to 10/8/09 @ 8.875% per annum ($118.63 per diem) .................................. ..$17,438.61 Accrued Late Charges ............................. ....$1,457.82 Corporate Advance .................................. .......$274.30 Escrow Advance ...................................... ....$1,122.44 Title Search Fees ..................................... .......$350.00 Insufficient Funds Charges ...................... .........$20.00 Reasonable Attorney's Fees .................... ....$1,250.00 TOTAL as of 10/08/2009 ........................ $509,811.92 - i Plus, the following amounts accrued after October 8, 2000: Interest at the Rate of 8.875 per cent per annum ($118.63 per diem); Late Charges per month. 9. Plaintiff has complied fully with Act No. 91 (35 P.S ' 1680.401(c) of the 1983 Session of the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendant at 375 St. Johns Drive, Camp Hill, PA 17011 as well as to address of residences as listed in paragraph 3 of this document-on August 14, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $509,811.92, plus the following amounts accruing after October 8, 2009, to the date of judgment: (a) interest of $118.63 per day, (b) late charges per month, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MIL.STEAD & ASSOCIATES, LLC Mary L. Harbert-Bell, Esquire Attorney for Plaintiff VERIFICATION I, Mary L. Harbert-Bell, hereby certify that I am an Attorney for Plaintiff and am authorized to make this verification on Plaintiff's behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This verification is made subject to the penalties of 18 Pa. C.S. ' 4904, relating to unworn falsification to authorities. Name: Mary L. Harbert Bell, Esquire Title: Attorney Sep-25-2009 03:54pm From- Wale- tvtWzuV4 Order-Number: 000085086 - - TA Re: WILLIAM GOETZ 375 SHIN T-705 P.0291030 F-937 , 91hs J. xar ear INS DRIVE CAMP HILL, PA 17011 CUMBERLAND County pxn,M*1 W ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of 8ampdan'in the county of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin on the eastern side of St. Johns Drive (formerly Point Ridge D[lve) at Ltie coiner of' lands now or fate of Hurvin W- Lauer: thence North 64 degrees 59 minutes East, along the same, 2D6.40 feet to a point; thence North 25 degrees 01 minute West, 7.6 feet along same, to a point] thence North 64 degrees 59 minutes East along Lot No, 64. Revised elan of Section No_ 3, Point Ridge Perms, 88.28 feet to a point; thence south 29 degrees 39 minutes East, along lands now or late 'of Barbara Rogers, 232.35 feet to a paint: thence South 55 degrees 50 minutes West, along same and lands now or late of watts, 257.89 feet to a point; thence North 33 degrees 17 minutes Wert, along the easterly side of St. Johns Drive (formerly Point Ridge Drivel 102.65 feet to a point: thence North 40 degrees 7 minutes West, along same. 168.80 feet to the place of BEGINNING. DB 251 PAGE 3712 PARCEL 10-20-1846-115 .l! recordt;'d In Cum:, -1;3:?r' u W.MP r• _ ? r , 7 -r.. t-r(ti B l 89QAG48b6 Pager 5 of s Ordor Number 00D08S086 Sap-25-2009 03:48pm From- 1-705 P-013/030 F-997 ST. i 1 C--P. 10 Plil 2 3B DlIRYL HD71VI8 Retum To: 243017058 C3N3'C,Y 3(OB33 RQUITIr OCINFAIM, GLC P.O. BOY 199500, FIN= DOM m2lam. Tx 75239 Parcel Numb= /o-ab-isr?re (Spy A6an2Ab Um For ?rnrdrnA D&1.1 MORTGAGE DEFV=GNS Words wed in mtciuplo =dons of dris doemuc ar are defined below and other wards me defined in Sections 3.11.13.18.20 and 23. Corwin rules agardmg the Usage of words Used in this documrnr ace utso provided in section 36. (A) "SeoarityInWo nenl" meets this doameal, which is dated. 12102/2004 togcthcrwidl affiNdem to This docomant. ?MLL?IM a 0*vT2 11-f ir1hr tnoswor under Ibis Security Tnstrutnenl. (c) "Leader" is ese = DOW Xo=%Ir comp 8Y, LLC Lend, is a A IM"TBD LIABILITY ovum tir P?E?gNyNSTWAMA-Single FReQy-Fannie MapJ V001aMapUNIFOAla111STPUNEW Form903v PupN.olte IMIWn:(?I[_ iiiiialmill VNP 4m1pap5 60IWOm. Ina ta0a1621.7aa1 BK 189OPG4850 Sep-25-2008 03:48pm From- 243817058 argiiniudand cx) bg URDU tho taws of xE ST= OR titu ntOM l rnder'S addms is 2028 tttsttza Mul" Oa MAU=. TZ 742 1p 1516 tAadefiSd18070HgaglBtIDdGt)liaSacunty t - - - -- -------(D)"Note'=mmne6+opmrmzsorymre eignodbyBecomer•nnddarrA - 17/02/200& -•---•-- 2beNme Statea thaL80[toare r woes Leads 9IVU ttnNDMM 31MW Nnr6 ToIIBl1n MW ttl=91M NMTV OM A 70111V= (us. S seo, 992.70 ) P iaptaesRBaaOwtt has promised to pay ibis debt in regular Periodic Nyman and to paytbedebtirkMno b=than 1711317031 (E) "Prop-4Y" meats the propagr that i9 deset bed Wow under the heeding -rcandcr of Riglna in the Properly." (P) "[Joan" means the debt evidenced by das Nato, plus imaesi soy pmpaymem ch:ugus and bm chnrgas due nudua the Notc. andaR stmt duo under dtls Sec uitylnsbumem, plus inttam6 (G) "M-" mama all Ritcta to dbi$ SecudIY InWinaCOL dub are erraan:d by Sm»wrr. The fallowLrg Bldem tar. tube accumd by Bomwer (chock bas ai oppGnbre): 9AdjuMbloRMPJdar ?CeodomirdmnRidee 5ovudHamultider Baboon Rider RsnncdlMaDcvdopsbenrRidor PI-MunilyRidcr O VA.Rider ObiwackiyraymtauR)dcr timer(s) Comfy) (ti) "AppIIcabl: Law" mom all eonaalling apptieaLk ledtml. otatc, anti local statutes, regublim. nrdiaaaeee and atitsle ivttaptx roue snd orders (dwr have de effect of hwr) at well as all tip &Mdc Gnat. non-sppeeau joawdapinions. (1) "COmmandp Afticiadon Dues, Erem sad AmMmeW' MMS aR daes. fees. aSHeMMIS and odter charges that are imposed an Borrower at rha Pmptary by a condominium association. Imn a mcm Macwdan or door OlvalzaftL On "P,IMWO FWN 71"nore mtmnt imy 08ntfitr ttf fmntl• nAff flan a mnw inn ndginatr4 by rbrrk. draft, or "Ir paper ka m L wbkh is MW Mtn* an d ie Maniual, tetephonk laWwritnt, computer, or magAede tape eo as m Ara- im ck or autbaft a fitodd lamitatian to doWt ar crad'a an ecooanL Salt [cm ineradtst, but iv rut titnited m. poart-oGmdu Invulm, ammi nlcd teller machine traasacuons; OW41thm 1011 eaedby ookphOaG 1 MIxooefam, sadvalmuWd et®nnghoase ttaatfcm. (A) *Dcrowitams" 109808 thttrait bur thatarr. destsibcd in 5eedou 3. Q.) "NOAtc hebeaos hucerda" ramtn any wmpotr &M. sotr&mM award of damn bct. ar procecd9 paid by any third petit (altar Man maot m prow ds pad +mder ire coverages dasoa'6ed in Scedon 5) for ((), darnago tau or desaacoan of. deftoporty: (M eondeabaedua aratbrr t"g off all or my pareor Be Propcnr, (110 caavay-In Lea of conOrmnsdam or fa) mistepsespttations at or canWam as in, the Value Mlibor cori"a orthcPtopray. [Its "Mortgagtt Iesurmace" mesas mmumnca ptotecdag Gender ngalnst dte naapsyraeat of, or default an, rare roan. (N) "Perbilk Pay mt" am&,& d.e.cS.I dy anI.Moa mr"wnt dab fur (a pries ilcd mid uacrcal ands ire Note4 plus 0 -Y smooota mdW Section 3 of ids Security kuwarnent CI-6?FA)1048% P.14201 to F",m a 1109 1001 8K 189OK485I Sep-25-2000 03:46pm From- T-705 P-0151036 F-037 7430170se (O) "BESPA" morns die Real B9mle Seulemcoi I'nmcodtacv Aa (1211 S C See6oa 2601 0 =4 and its impkntentinB SGguleooa. Rogufet5ott X (7A CF?t Pan 3100), as thoy ought W amcndW from fim In lima or any addttionat or su(kt9sOrlegbtt6da9 nfaegoladon t at govmos the same sutt a maser. As uscd in No Saao$y bM nrnt 'XL W tafae to OR rap kMcUts and reamcdnne rtwt 9a6 impWA in Mgatd M a --- -- • - - - - - - -- -=fadotaliy-rotamd-mongaga lo9tt' oven-t?tboLoon does nm•gnelt?p ? a °fpdtratty_rrrlatcd mangege-loan'-. _ - ----.- wMerP"IL 61) "Successor to Toweat of Borrowetr° me n9 my p M dent hm gaYcn dde m th9 Fropeny. wheficr or am dent parry bas assumed Hoatowea taWgulmu mtder"Nwe !mdlor this Security Inr+curneal TRANSYM OF RIGHTS IN MPROPM Y 11fa Security Irauumrau amum; to Lender (<? dw repayment of the Loan, =4 all neeewah. M&Amane and modMmdam of dte Nose; and 60 the pedwamact or bmawor's oovcttatisa and ogn.ameais under thin Seem* Iomameat and Wa Note, Por sbo ywToat; Hmrowez doc a buvby metrlmge, groat and eowuey to Lends die Nowing deged-M, m omrediothe ro Y {rypootnec«?iocJw, n"oi INAMC dTtaadt"ehoi?ea-I' All than tract or parcel of lewd " sump on nchadulq "A' attaehtA hecato vbIch In Ancemparnead betain.and rode a paxt hereel. which cw=gy hag dm addrm of ilia =.OCKrrtl nsxvs tR l CAX? HILL IGi91.YGHlsylvaflt8 17011 IMP teed r"PmpMAddress'3: TQQETftEEi WITH all the irnWovemtxlt5 now er hetWfat eteW4 an the PIQP ty. and alt SrL WPif. appu:tenaeer?, acrd rVAM tow or Isle after a proof the pmpetty. Ari nTlateazma and addidmrs shalt also be covered by then SecudW Imnutom AN of sbe foregoing is referred to is dos Seteiiry Insoamcm as this .ftPMY. r"awr, FarM3039 1101 .OIPp) twos n+w?+?++ afv- 9K f 890PG4852 Sep-25-2009 03:48pm From- 7-705 P.016/036 F-93T r s>}3es?cse BOSROWER COVENANTS that Bmmwcr is lawfully sd!td or tba coo harft conveyed and ba dte figbi m mmmgege, Merit and convey ttm Pmprny end that die Proper ty is unmmubtacd. o=pt for talgtotbtaorea of rcaord. Btgrow9t tvmatttts end well deroad 99GMUy Ute dtk m dtc Property agemsr aD cl®ma and dttmends. Whjed to may cm mbfomoe9 afsecoat. - - - --- - - - - - -------Tiil8-S19EUnff- lNtiflxIMM-cambbtre- aaifotm CSVCI=ta for natiorml user and aaV4wVmm - - covenants whh Bmired vaftons by jacsdiolkm to eaas4n to a uniform scmity imnvmant covemtg real pity UNMRM COVME4MS. Bottowet and Lcadrrcava=tond agmee ere follawm L Payment of Psmdpalr lokrraL &MM ]rum % f'repaywcut Cbstgm, and Late Charges Bmmmrr alre>! pay wbea due ilm pdnctpal of, and interest tun, dm dck cvidcnmd by dta Hme and any pmpa9mm dmrgea and him clwip due under tha Note, .Hemmuax sW also pay halo for Snow Imuts Pummt m Seetioa 3. Paymets dace under the Notc and M Swwfty Insu mcut"be- macro In U.S. Fttefmy. UnUm. if Ow Cbcrk or adtrr inumnu a mdved by Leader as payment under No Moto at Ne Seauity Irutrutdxat Js retutohd m frock tmptdd, Iradc amy regttirs Wert my of all suhhtitteatt pgymwm dun trader An Nacre and *b SatudW bNanmeotbo theft [none or- of 16afollowbir fomm assel"Ir f by Landes; (a) Castle (b) money ardor; (c) ccrd8ed chock, bmt; ab=l; ueasta Ws check or aad&e chms ; provJded any state duck h dmwn upon an itutitetiee whose depasbs am kvmd by a kdeml agency. howu oe WEly. or en*. ar (d) mccuumio}bnd2 'laft2rrt Payments m drrmrd received by Rader w m received at the lamdou dedw ated in die Nme or at such other locmion m may be daigaatma bylspder in aCOmdanea wirb the natimpuArmus in Socaion IS. Umdermayrcunany payo morpatt'raipeymentirtbepnyvmorpamel pnpmmmareku fidcnt t* %&g the Loan euueuL Loader may accept any payment or pmtid ptp mm lautwwm m Laing to Lem rm m% wilficol waiver of any rights bamaderof pmmice to its sights In mMmsuehpaytmvturpa"payments in the ruame.lnttl end rid notobllgaied to apply such pa}m s atthe dune such payments wo -CCgWA If each Pc&dk Payment is opplled at of Its wbtrlntod do date. dim leader nwd not pay interest on unaptrTrmd f .J?, f..w}a. ,Herr h?.Lt a.w?, aueMdlcS Jtwtft omfl l+aoaawrs omrta pagmam m ormg Ina t?oam eaomcot n Bmmvnc dm tmrde Sa wMio a ttwtmtuMa, ptrlad of fimq Lewder ftB radter apply owh funds arzamm them m 9001nm Nnot applied eadler, Mh Linda Ad be applied to mt: autmm ungpftce tJ bttlmteoendmr 1110 Maim Jmmadtia* prior to fodcicatue No offitt or Cteid wwb Boeower tuigbt have now or m the roan oxdn Lc dw"w avo Bettowera m coaling paymemis due undo ac now and this 5esmiry InstrUMClt err ptsfotMag 1110 Coveumts and agoeemeUU B=Mdby Wit Sa MftTaamteoem_ L A.ppSCatton OfNymrwtt as Promrsle P:cr?[as add M4W dosw'Wed In ebb Salina 2; all payments accepmd and wand. by Leatdw be apptird in ft falla%ft order of pti®tys (a) bnerast dun tmdw the Nate; (b) ptmrtpd due under dm NoW (t:) amounts doe under Smft 3. Such peymeam sball be upi" to =It Pedo& Payment in tho order k which itbom-m due, Any mmdm;ng mrovnts *w be apptted rust to istc dm%q. ricotta many Odim amounts dumvnder 11da Smu ftlasat men? nerd dim to soduce Mr.pdm*Qd bdancmof MaNaM Ir Lenda receives a payment from 21wrowoe for a datimp m Periodic Paymm whole includes a safGcimt amow* to pay any late charge due, the paymmt may be applied to die delingntmtV07a rt and the taro dose. If mod than aumParrodie Poymcutis camaDdios, Lewder may aptly my paymeotseaivrdbnm Botrower m dm repayment of An Pedodlc Payments it and to the emat thm each payment can be paid in e.hMb: IOWAi tams o."a nt to Form 9039 7091 9K 1890-PG4853 Sep-25-2009 UMOPm From- 7-705 P.017/036 F-931 213817059 fall. To die ergot tbaL any excess odM aver due payment is applied to the rum payment of one or more Periodic Payments, such access essay be appTie+7 to any late dmtges due. Volumsmy prcpaym:ns sban be: applied fimto anyptePeymeatcbe?tsand then as dwedaclin dmNma. Any appllcadon of psymeats,7nsmanee proceeds, or Wkc4l rums Pmctxda to p&dpal doe vndcr die _-Note -dollnoee:rtead.wpostpoor:ebeduedlur,orCha gan:smoant.areaPeamdicNymmts 3. Ennis for Escrow Items Bwrowsr shall pay t2 Lanier an Me day Yuiodee Payma?ts au; doe :mar die Noll unp7 theNote. it paid in Bdl, a sum (Ihe'Tunds") to pmedde lorpnyment of amounts dae for. (a) taxes and zstssmma and other items which can anain pdoaity over de's Ss oft Tasaumentar alien ur enalmbramee an the Pnsptsty; (b) lowlmld payieeada or gmnpd teats on the Ph4xmy, if Mr. (e) pre+nlums for any and all iannuca scgWmdby Lender under SmSon S. end (et) Mmdgagc Insensate puodums. If any. or any sums payable by Batrowes W Lender in lieu of ibe payment of Moetgago Immnnra premiums in accordance widi the psoviflom of Section 10. These fm m am called Twrow Itana." At ong'mstion or at any time during the term a[ fin Leon, Lender My sequin dint Community Assalaieon Dion. Tien, and Accumemis, if spy, ba cwmwal by Borrower, and suob dum [rat aml'a9aessmada shall bo anEserow Tian. Boaov= sha0 pmmpdy fmniah to Under A uwtiees of amounts to be paid under this Section. Botrowa shah pay Lem tbo Poach for Buzow lames w&= Leader waives Sumowcr o utidaaon to pay do Funds for any or all i ictow Items. Lea ilcr may waive Btarmwes's obligation to pay to Lrnder Funds for my or all Peara a ltcros u may times Any such waiver may only be in wtidnng_ In the eveot of axb waiver, 8utrowa shall pay dnxniy, when and when: payable, Ow namonts due for any Bsctow Item far which payment of Sands hat been waived by Lender and.If Leader tegtdhss, aheB fimdtd, to leads receipts aridenung strdi payment tuilhin such dote pesod in Lender may ourd e. IlwouWc m' anion to make sock payments and to provide mceipt9shall faaA pusymlwfriars,to be a eovamd and agrMcMaatainn in dds Seaalty lnsu meant, as due pW%'ewveaaat and ageecame is used is Secdoo ? If Anm awar is "pted ro pay Escrow Trams dbadly, peuaueat to it waiver. and Borrower Ift to pets the amount rme for an Lxtow Item, Lender may owe)ae its rights under Section 9 and pay each amount cad Boaowr e AA dice be. abliigored under Saedon 9 m repay to Lender fury emeb ammmL limner amy tovom6 the: waives m m say or till Esaetw teems ad 2ny timeby s emdeegivat is t+awdanea lrifi Section 15 and. upon audit iavocauoa. Borrows sting pay dntmder aBAmds, pnd in such amounw. d attar dhea ttgptmd under dtis Seedoo l tender may. at any time. collect and held Funds in en amount (a) auMdeot to penak Under to apply the Pawls at she dim sperlded under X MA. and (b) nm to asoced nee maxlsoum nmvpm a ladwr wa require under RMPA. Lender A& admale the swam of Fmtds due an the hack of eeardM thus and lmaonablecodmonsofrspmft moribiumEscmurItamoraduzu se aaamdenrawithApprMbleLow. "I cAmdsshallb:brldlnsoinetmdinnwhosedeporteetimeinsuredbyafakrAagency.insomseuWity. or atdsy (incladimg Lender. if Lwdder is an inft6on whose deposits ma so Wm uaq or in way ftdemt hose Loan Bank Linder tdisil apply the Funds m pay the 8rernw hems mo law dun the time specified under RE5PA. Ladder what" not ddmga Bouawa[ lot boMz and op*l rg the Pands6 anu mmy analytisg the esuaw account or verifying the Earow Item. union [.ender pays Bmtowcr ilip rM on dhn Funds and Applirawt;Law pc mitsladw to man merit a dtmga. Unkas dm ltgsa mm is made in wniil1ig or Apffl able Law tequl%= iatw4 to be paid on the Pmm19. Linda shall out be requ teed to pay Bnaowef any insert of camingg an the Fonds. Bonowes and Lender tot agree in writing. bowave r. fiat imersnt"be paid on the Nnuud^"' 4q.sIPA) [worl P.p. t ones Form 3032 1101 HK 1890PG4854 Ssp-25-2009 03:49pm From- T-705 P.019/036 F-937 243017050 Funds. Lender shell ei `e In Botmwrr, wi(Whl W=, IM nnmuo nrrnnalin0 of Zhu Fanda an vR&Ml 1ty KIZFA. If dust is n aufpi9s of > lurch held in extow. a1 dcfined undo RWA. Lauer shall acraun . w Btmower for dheeteW funds to =Otthahee Wills RMPA. N dace is a sbaaetge of Funds beldin twow, as - - - - - --•-- _ - imai nOdarlt>35PA,• Lender shag notify BOUOwer as tcqumcd by R MA; and Berrawa-AA-pay ta, Lender site -Mt nerrsamy m Omkts UP the nltbriage in 9 WFftM wads nWA. btrt In no more than 12 manddy Paymaw. If there is a de6aprcy of Ponds hold in omm, as iloTined under R89PA, Lash shill nodfy Borrower as lcqutred by KWA. mid Boaowec shall pay to Under rho anus at necesaay w make up the dcfideaey in VAWI oce WARMPA, but is ao mom daft 12 monildy payment. Upon paymem in full of alt same 9Caa0d by this Secaft lwnment Undrs shall promptly refund m Bormwa anylPandl bddbyUnder. 4. Cbmrgrst Lens. Uesmwes Sha]1 pay DR taros. ow-urnems. rbOtgea, fines, and impwitiam teal,=We to the r1w4w whhdt am vain pttmby n,vi• phis Saawky luovomanr, loe"batd ground tents oa the Propasy, if any. hmdCoramwdW Association DOM.Fecr, and Awegnaottl. if any. To the extentthaathss Iwwmal.sa3owAwis.Bormwerthatipuydumindhoammaptovidrd.inSeason3. Borower shalt pmmpdy t 5dwge srty an Whitt has proadw over dais Security ymeament nnkess Burs ow? (0) agrees In wridtyg m the prymam OF do ahl'igeeoo accused by rho Gqt ht a rnwMvr=q table ra Leads, but only- ]nag as;Do-w t is prig Duch ag =slat (b) causzods dmlieo In goad Ma by. as defends against afatcamn of the Ilan in, 1%a pratxedioga whlcb 10 Lcnda'a oplniea aprfal0 to pmwcot dw anfofsement Of the Men whlk tb9taps0a7.tdhls3 we pending, but a* total mash pmere ftgs we cancwdM: or (c) =U= from the Imider of tha fiea an agreement hnuWac ory m tender subosd'mo ft use tics to this SOM04' IiUbMen V Leads dttamlaas duet BY pm or the Pmprssy Lt Sabjux W a ben whits, can att3Gh priority ova this Security iaatnlooeal, Lender may give Bauowrr a notice idhntifying "Men. •Witblrt 30 goys ar 1110 dau oa urh"leh that nOdre it even, Bwmwer shalt aad* pro lies or take am or orate of the nadont setforth aleveib lbbi Woo 4. Leader MW agtme Botmwer m pay n oar dttm adtmge for areal esrele tux Yeaamsion wwor apmting ersvlce ucrdby Leader m camesAOa whh dtis Loan. S. Paroperty iosora m Borawwar ehaIl keep the improvemmis now mtisdag or lshaedw elected on the Psopetg insured ngabtst lots by Arc, M m b included wi bla dw tam Immoda avmage,- and any odic hayesds belaft. butt not Lauted 10, eardhgnelres and flaads. for VbA Lasadw "odes iaautmtcc. 'fits 105usanco 911811 ba melaolund In for maomm (mdad'mg dedactt'bla icvda) sad Lot 160 winds dun Lmda mquttca. What LeaderngUfies pummut in the preceding wicaw tar chops dt®g tba tens of the low The its cattier PvvWM9 the kmuw= *4 ba d w*M by Bonowa 101*9 m t-ahde a tight m &WPPM- BOIIO sag aboke, which raft aladt ON be a?^ kid unrawaably. [coda' my sequin BOMAver to pay, in avaca a veldt We lam?, altos (e) a oar-tma clwge 6or Band moor. dcraminnuon. mrtTa<atlon and awft ea *tc or (b) a one-dw obarp far need =me deAmdumion and eetDgcn&n -,r- and. aubnquerd ahfgoa ca* tuna nmspptogs of Auger dwM a accar which weaaebly might affect tech dasnabnew or aco fitsdon. B®wer Asa alto bo teypar4dble. fof the payment of any lets amassed by 1110 Federal Fmrrgaay Mauhagemaot Agwcy in conaectioa with the ft-kw of any tined urns d2MvW44On=Mldng 80m on abjbCdon by Bwmurer_ at-I(PA) ravel p.a. a .7 io Form 3039 1101 M 1890FG4855 Sep-25-2009 03:60pm From- 7-705 P-019/036 F-937 • i 243917058 It blanOwer f9b to meffinttdn any Of dte eovoggCW dataibed above. Lander may obado dnsuranto covasge, u Lemdds option and Souowers rrtpram Lend= is once no omlgtthon to pacidse any patdeol& typo or Amount of eovemtge Thad OM =mob coverage ababt rover lender, but might or might not p *k=Hoaower, Rwoaxee equity in do Propcity, or me contents of the propcuy, against any d&, haratd -- -- -- - -err r r and-might provide•gteam•-a-sasses covenec- duce wag ptetnoody •;a-rr=t SoQOwv adawY&dges do tho coat of dia hisumoca coverage so obWood might algiftandy exceed the cost of Imium era that Bottm err could have ob du& Any amounts disbuned by bander ands this Secvon 5 shall become Additional dabtoMonowcromod by this Swm* Instrument. Ucso atnouma shalt beans huctest at the Nbermm fmm dto date of disbuzoiniint and sha11 be payable, with such imbesL upon nudee From Lender w9oaow=:egaettinspayroeat. . An inamante polices wgdmd by Lender and senewata of such pollelos dam be subjm w Undu's right to disapprove such pdkles, shall Inch, a imandind mmtgage ebause, and shall noon; Leader at mongagea and/or ms in ndddDtW loan psyeL Lender dM have the right to hold dw pollcles and rmcwad eautwam U Leader mq*=, boeuwar shall promptly give to f eadrr ati receipo of paid prcmiuma and reuevad notica.If RwowerobWm any Imo ofitteotanee covmage, notodverwira mquimd by Lender, for damage to. or dent don of. the Propaty, such po% aban Include a cnandmd mtmmgage Claus and shall rnmeLeadaes mwtgegeeaad/araa addidond Iris payee. U dte oveaof loas, 33o=wez A uib sho prompt notice to the IOaunuoc curiae acid Lenda. Under may make proof of loss I mot made ptompdy by Hoeowee, Unless Leader and libmwer mherwise agree in writing, any in aranco proceeds, wkdo or not tbs m dying inethtamce was o*dmd by Lendm shall be applied to reAl9ladan or of rite ]?empeAy, It rite reslorsderh d ,con a u uwmnrJc ally haslbte and Landers saatth y is not lessened During such a dr and rMormion period, band= Amu have the right to hold such fnsomncepmccub tmnlLeaderbas had a opperomity m iospea such Pnoputy to ensure der: wo* has bm iompitad m LermWx tahteB%WM ptovithd. that sorb iwiptsdo9 tdM he undatakcn pwmpdy. Under may didneas proceeds hr doe sepaim and rmmeauon in a singbs psyoms or in a suite of progress payments as the wmk ii completed. EW= as sg wmmt is muse in waling or Appbicabl9 Law mq&d in men to be paid an Bach hu man m pwew&, Lander =bull untbm s%oW to p y Hooovw say ini mt or cwdnge on such proccede. Fans for paid; ago= or odor tbitdpardes,nmhecd by aonouierdmll not 3a paid ca tof tine Inammme proceeds and Anil be. the sole o7 Opfian of Hoaomr If Ow rammddi at repair is notexonomieally fiacblo a Lendare samity would be h=et, dm ioemance proceeds shall be. apphed to die suns secured by d& Seamity Lnmtlhank wkdta at not Om due. with the eon:ca. if any. paid to Borrows Such insumamproeoehAdIbeappikdInrhoardesprovidedforinSccdm2. it ltomower abandons rite Property, Lem1w homy W negodats mad safe any avauft 3nsurence claim end related rotmm If Dommaier dow not respond vdd& 30 days to a aadca fioro Leader tlau rho ioaumm cm* hu o run m conk n aaim, then J.mder may nesotmm and unbe The claim, 760 304day period will bcgin when do mndw is given. In Wa swear, or if Larder scquhu dto property under Station 22 or oiberwi m. Hummer hereby arsd&= to Leader (a) Borrowers eights to any iasmaace proceeds in an amount not in aced dre ammoty unpaid under dwKom or Mb S=oft hi anmrnl, and (b) tiny ether of a9trourcr's dgbm (other doh the dighl ro any refund of vueamed piemnuna padd by amtowu) under a0 Isurunce policies covering the Pmpaep. buck as snob data are E"Emble to Ina covcmP of the Pmpeny- Lender may use die lasuarim ptoceede ehhee to repair or w4cm the br?rapcrty or to pay unounes uapald under tho Noce or this sccuft Insuumeat. wkda at not dean due. 42!-BIPAIheron v.r•r.iw Fo.mao?a Plot N 189OPG4856 Sep-25-2009 03:50pm From- i-706 P.010/030 F-931 2{3917059 tC OOCUpaaty.BQ=WU Sba4.=*y, ermbfdh. Odin the Propety a9'BWower's prirtdpal midanca wWW 60 days afta the ewmalon of this Scxudty how"em and shalt watbum to Occupy die hopeny w Eonowces p&ctpel vcd& em for at ]east one year Offer du: data of oempnocy, unless Lender v*Arwlsn qws iD mririrrg, whM consent abm11 Val be u rcasOatably whhhd& or modus extenttntutg ehctnmtanccs _ - _ _ ---- _ - --- exist which ate§upgAomw_cescotuml-.. 7. Pseac don, Malateaaaee and Ptaterdep of the IPropedyl laspee fone. Sonowa shall out d=in. damp or imptdr the HupcM. allow die Pmj&W to dettdardte m commit waste on the Property. whothtr Or nDLBorrawtris ecsi ttg In thePmpetty, Bo mww stroll nndrimin the?wpm in aWrx to proven the Props V ham dta daladng of decreadng in Varese duo to its eoodWua. Unless ilia dcwmined pumuant to Section 5doapair(w= Domdwisnutcconcaluglyfeatibla.HOrrowarahvVprompdyrepairnhePropenyif damaged m avoid I ter deftaknhoa or damage. if instuaooe ua rondemnadon proceeds arc paid In canftAm with domttgc w. or the D*mg of, the ProWW. Sonower Shell be responsible for repairing or rataftS the Property only if Lender bas schemed pmcumda fps aueb purpoees. Landau: my disburse pm cods for the XRWO aid tcatoro&u In a simg)e payment Or In a Seals of pmgtrsa payments m the via* is =F*Vd. H the innuanras or eondemaeden proceeds Oro not cut dcot m repair at m mm the ftpcny. Bhmrowe rb untrelltvedof Berrowat'r obliption fOf & iCiggkft ofrandt t pk n rrs?nrati(a_ )a:nga Or ire agent may maim temmable vw*A upon and iasrxAom or die Property. If it bag try enmblo =w;c, Lrttdat tray hapem the bonier of de impmveamis on the Proputy. Lender shall give 9ormwernat)ceatdnetimeaforphioriotmrQtabiotuftrinspeedunspecirftOuchre mnabieramse, g.l>urrowarus Loan AppSc utlon. Bumowet shall be in dofaaltif, dnfng theLoan applicsWon pmcrss. 8mr6wer or soy prow or entitis mcdrhg to die diracdon of Bwmwtr or with Eearower's )mwe>3gc or .consent gave mar<rimt7y false, mWca tf. or btaccame, infrmadoa at ttreeraetns m Lender for failed to pmvde Ll?tdcT With ruladd hdormadom) in D"no ian aids dtc Loan. hfiux l nprc=woas brcindc, but am not Limited m, scWtuntadno concerning Bnnowu's nenapaocy of die Pmpcq as HDaower'g prfocipal twidaace. 9. hatection of Lender's Ro rest in the Property and Rights Under this Security IasaummuL If (a) Eauowarfari9 (a pe crerm the covermmy med.upcometw coumbled in"scaurity Lhskurvec. (b) d+ere is a kjal p 0ccc ng that might etgtdtim* a[foa ltruWs interest in the Property mWor rights under duffs SwteiW k==ed C-h as a pmevdntg m bariMtcy, posbae6 for eendoropation or imfeiutro. for wronvuent of a No white may Dunk ptiorhy over ft Swwii r Laaumew or to erferm laws or reguln6ons), Or (t) Hnmower has Amdoued du: )aapttry, then Lender troy do Sad pay for whowwa is rrsaanOk or BplaOpaf M to prmect Landa'e )aNUA in tba Ptoptmy Std rights node: this Seauiry IOS9am004 bdud'mg pmmc&p nmdfar ass aft wire value or the Property, and aectafag andlar sepmiring thoPmpotyAwdeen aciiew coo inubk tare me norlimaed or (a) pkft any was aerated by alien which has pdwW ores dm Security butt-ate (b) app- tg In ooeofi and (e) ptryimg rcawpatdeaamncye fees to Pmt= its lultaee) in 90hVPMW mid/or4ft under this 9txudty Itt99omtnt lacludfag its Secured position in a buftupmy pmeeedmg. Seaugjg Ow JP *perty kcWdes, but is trot llmihed W. entering tho prawy to raft repairs, chop Iods. ttplaw or board up doom and wf Mows, drain ureter from plpaa. egmbmm baldl99 her Get" tide "OURS Or dmnPww etmdipono, and bove tra76les u nCd an or off. Although l ends PW ruler arson under this Socdon 9. Lendhr e does not have m do so and is ant under any duty or obliptlao m do on. It is agreed that Loader inct" no LabiilW f- tint taking mry or all acdom audrmtzed - o nder this Sudan 9. rl kfw) tow) mnru.: Prr•e.rta FormaDaa pmt UK 189OPG4857 Sep-25-2009 03:50pm from- T-705 P.021/036 f-937 ss3?e>:vose Any amounts dbburW by Leader tinder Ibis Smian 9 shm3 btoaw ad&tiand debt of B,,,, txctneQ by titre SLAW I IMILU C 'titer, ammamt -hall buns mtereat to 00 Ante race La.. d... Jaw . J' disbaracmI end shell be payable, wltb s-eb ift -sett, upon --lice ftotn [ender w Borrower tegarsdng Paytacat. If tia SMUdly horgo atia on ah'asehold. BOMWtt AM avmply wail, a0 the pL4v+aipP9 of_theJwso.. -- _ _ -• --• _ -•- - - - - - - -- - - - -1f?msomtx acgtdrrs-(ertide a the Pf P-eW-,-t5e &ialiWd end dun rte tint oheil not mrsge unlus Lander - - egera to dtemta0etlaw6wamtg. 70.64-ttenge Iottttrauce It leader tnq-b? M011C+tdG Tnsamner a! a caudwart of makbts tba Loan, Hatt-Iva *02 pay the prcndsow m@dmd to Iaef-tala the M a fnwmw in effem A rar any stereo, dtt bfW9W rmtuema coverage regaaed by Leader trateg to be eveitabte Lnm tho meAMr irte = that Prsv-f1Y Proms Old iastttttttee and Bonower was tegtmcd m mat. sepa Wy dr*nated payate-ts toward dm ptattumtw f-Mttttgege Ltstoance. BOaOtver 9ha9AaY to ptamOU xgaired to obtain coverage subatendatly egdvalent to du MWWP Tttstmme ptovio-try in egett, al a cost subamnMy equi w., to tiro ee9 to B=Gwcr of dte MuMW I-amen- pmvjCglsilr is offal, from eo ahamwe monyage ;am= setated byLatdtr,$ fitbBMIIi ly egttitrelaatril-rtgege yne..te towage k not uvtttIRMC. DWWWQ" toodauetopaytoI,=,*therm-uatordteseparatelydomedFwtamstoilwortduowhest ckwanm wvwgge tossed m 6e In -trod Leader WE ooctpt; tae sad lateia loan PMae s as a tron-vahindable lose lesavela 10 OfMttrWe7-am-Sadrias =woeAAH beamt-mraMdabh, notwidwanding the ha that dfe Lad- is Y Paid FOp, OVdLe+ttkrshafl[alt be>rtaluind of paZ Btffiowa any interne ar eetaings an stmt iosatt+solve Leatkr am ao lOaget requinhtst aeae:vepayment, rF Mottgage J- covaag0 (m WAG the talmttntoM for the period dlacLeat rseph t pmvidtdby M'Vainer ttaloMCdby Lender again becomes avaUable, isobWrwA tad Lwdettaquitm etpsteldy dr %MU d gtrymeats toward the prat 6w hrMottgage ra=te. Ir tzadK regdud Mallow lboatao -sin a cant UM of asking tbo Loan Bad Borrower was requited to maiw xqMMWy PAYmuM toward the pranitUM tar 14OM ge hmnatm Boa:owcr d a Pay ftXmk a requited to otaNgn fifmtgagehu ma ce in off k at to providea non-vJ6 %bk roes rraeve, mM Leader's tegttircwM for MoOpr Lnstoeeco cads i- slxocdmtce wilt anY wrincn a?tnent botween HOUower and Lander pmvift forma ta[ *W*t- or Vogl tonaFa on a squired by Appikable Law Noddog in Ibis Seedtm To tt r" Botr weej cb%mlon to pay mrermuL to rata ptote" in ftNotc. Ma4g>ge Lutnaava>roktbmsrs Lerida IVORY twinge thtaptttawas dtaNOW) for cctmin lfsses;t mey tnauifBaarOtvocdaestmtngtaytbeL.Omtatapttrd.HottowQisrmtapaaym IhaMongogetmuranea Mme moose- evalamq than rind wk an an MMh b umnce in Wua liam *0 to rope, awl may ttae kw apse- Is widwdterpanita dtwsbm or away McIr tide orredttceiolwx, These vpeetatwas no an tenet and conditions Ihat art: saddaaaey to the matrgega iawav and the otter party (or parch) to am agrcemeam.7baseague -Cosy-:gUkudremmlgapbm-ergoMaepayot MtttsegMyMM ofrmtds drat to mortgage ioetaa My bava st MMU (wbicb may b lade bmtde cbmbred from Morgnge InsoM= premiums}_ Asa resit ar they- egaxmcats. ,ndcr, as lamimsc of the Nate, softer inmaer. any ralnsurv, any other tarns, or any afflypta or any of an famgf?, map motive (OcWy or iad&xRyy) amounts that derive from (Or might 6adtVe>trr q) a paQOn of Bmrowar's paymrnts for btmrgego Anal---ee, bt euthaw for Awfis or taodlfyiag tho tnmtgttgeloRttef'a rak at PA a mg tassel. Lf each apenne tt provides that as a M'M ortonder mine a shore of too inmta's tilt bt terchatge for a so-so of the pumiums paid to the betra,dteatmnger-=isoften tamod'cgd xchMM=cq,'ftg= (O) Any matt avotmeara a,T] oft alfatt the amaVab that B-reface has agreed to pay for Mmtgoje loaasattce. or a-p other Its me of 16 Lots. Soclt agreemeau wad sot iaveaet: the amaum Borrow -a nwc for tMfrtgagt>fn=uce, mall MO wtli not wdfk Bornvw to any. d. tm_ - t'irotPAttavn P81.9419 1Awr Form 11089 Uat BN 189OPG4858 Sap-25-2009 03:51pm From- T-705 P.022/036 F-937 i • 243817038 Alw such Mo7M ININI& dMiHa>amwIRMPSWacfi Adef1moroeyadler*W.1i1wr+CWMY 6ffid the & go fteeke tertom to regaest sold 01110% wincWlatron OF the MWr Me nM tu bull theMWIPPIoeMaMre IaashtAfed.itotoaeade>tPy, U&ar tot2eefvt asefand arwq >?aetpB6'e7ee?mauea?remtomf?saetQ?ddUwtlmea?aseheaa?0eb4W:ie?4e6?...-- - -- - - - - - - - - -?t• Agag??(SBi oflY Tnrrrriv: Rn?ftfh?m Att tiRmnaBtout Yrouwdo on bvibp - - - AiEM $?48n0da tlndMbNLbe: lAtrartlii x dte Bmpatq b dmifflged, Much MssoelLmeous Ameoads she! ba applW to tasaradon arrcpe6• of ft RopMty. If etc ustotedoo or mpok is Cammni Ay fcasft and L=ikes -%mdty 1s not ksm et i wba such fepnlr MMd x=t=dM pcsodt LONS s AM 3MVe on dW to hold Bch Wwccjhm= Rowed, unto Under has had an appMw?dtyy to tatgtecrauehPOPOV to eamac die witrk hat horn cotoplotod. a leatdci s mffi alum, ptovlded that rroeh h apeedon d nbe tat to. promptly. i xoder moy pay for Wa ropAs and a wmadea in a Armfi t rg daw-tMeat or m a Mader afpaogmu;paymean m die wade is exmplaut Unka AA agoxmmt b mad, nit va?a yr AppfiMableIAw tntittteM;amm t to be paid on such Mimelb acwo pmcaods, f endu shod. ua buTa9.tnted ®paYHanpytaraMy nom evt W epmntge as sorb Mt ,meouB Pmcrafs ff tba mmomdnn or zq* bum ecoareaki ft reoM&1a m Ltatdds secemty would be btt9caed. the Mncepamus Procaldr Ahall be appBed m dta et>mM teemed by Ada SUM ft IbSffd eat 9ncctbar or not then dos, witb the oxcM if W. Pa+d a 9onows Stab Milo Mntmuv FroceedS shall be applied in ibc atdaf ptov aed for in Section 2. IV the uveatt of a total 106* 11e9mtlAme, or fors in val=e of the YPjq=W. dea Mtecr]lmieotty Pa xcuft sh a bo opPM to tha own =Bcd by des Sacmity bstmmeo6 -bahcr or cot then due, wab the Cz=. T any. Wd to Howwa. Tit oho am of a pAe" ttda9ig, danncdgn, or bus m value of the Ctopcrty in whicb the fair MWmt value of thePtoputy> V be= dta pot W adding. dMmcdmt, ar)w is value k egtol to or gmarr di to doe a wont of the on aware l by ibis 5camity Eathame4t hmne&wJy bcfmo the p u Mt taking, dmeoedon,oelosahtvOtir,udw8tmawgreedieodrradiisainagtaoinwriting,the:suma cmud'byCtis Smsity fnrla mat AM be reduced 6r din: amount or the burr Ptomede middpNed by itte foltotumg fi2cfwa:60 the htral ttmMmtoEdm9omttr?dimmcdnaaTybefinetbtpaeoat addag, dcauvedon. to 1095 fa vdW divWW by 0) dta lmc toolttct vallnd of the Poopaty immabady baf m dw pmdat tetdng, dcatmaion. m 1mr is valaa Arty btdelue Ad bo pied seB ava was In We avow of u pm dd ird*& dmUacdas, or toss in vidue. of the Paopary In which dw fair nu dca w,dat cE the Ptoperry anotaffl k7y bdae die pauiat Mkin& danaaioo, or lass in vabla is kas dioa dw amouak of the tvn•>9 3=uwA immadfmgy btdoae the VoW mtfng. dtttun dmt. Cr lam is vahne, itnless Borrmwer andLgtdcr odtatriae MVO in writing, dot: m- utwoM AoeeefM shoe be t AiSad re the sums sceurMdbytbisSrraairyfoloomeat.dt - w•tmcd?ea mMreWmdm: lr Ate Ptq W la Ab-donW by 8tmmww. or ff, Wtm oedea by Irada to Borrow= that do OpposiMg Pang (is defwdie theacdtteitte=O Wb a to anke an aawd to retie aclaimfor damap Boarwim fags to napaed a TANder within 90 "S a6ter is due do nodes b given. Larder ki tmtlhartud a coWn and VAY tha lufiNOW-Cmuocadr end"WIC IMAM oTtepm of ft PaoPaty or b die sums secured by this Seeuorty fnstmmmt, whether or sat thrn daa 't)ppMdiag Petty` means the Dore Petty that rata Borrower Misaelmaemm Paacceds or tbapa,y > v,hum Bunuwcrbat n rl&of acdau iM sigma to.nahceammw PtnaedL Honour= dA be In defeaft if my setioa or pmeeadi , whether civil or eaimditd. is begtm dta4 in LeaderMjadgnm %eoiddmmltlab9daasaf*chupatyoretamaterial-3nipairatentMLonda'sim m In dzrmpury to tights w dec dgp "7rutntmoent.3mmwa mB ems tmcb a &&Wt aod, if we abdon has ttaertrral. IcIONAra as pwvr dear Staafmp 19. by ea"ag lbaaWva at ptoceedltg to be dbruimd widt-a rvlut8 Ow. in Lewdd'o judgiottm, pa aO fmresaut of mo Ptupmfy of loiter mmedd impai mart of 4R4(PA) toml pal. %9.1 to Foers 3039 Wei 9K I890PG4859 Sep-25-2009 03:51 pm From- T-705 P-023/030 F-937 949817056 Lender'sintamtia t1w hop q orxkbls mtd-a Mh Secday LaeatatteaLl7teproaeds ofany awamorelsiat For Q20Hgc9 OMM MMIR able iD fie naparm 01 of I.r7*eo im=M is do Pmpcrty me hw&y asdgncd end shall bepeidotLaader. All 'A xdbnwu Fanmds that eta not spplled to sraloae6ou orup& of diePmpeny Ato ba appW - - -- - io ftRELaullov_id dlorinsmdao2?- _ -- • _ _ ?. _ -•- -- -- -- - -- ---iFUarioamr T-geleastd: Fm9raoraace By Lmdv Plot a Water. F?t[ens,en of dm um for peytamtot modlLcadan of atnaaamAOa aL the et?9 Brtatredby this Sctairylnsiumptt grao2d by Irnder m Homawer or sty Sttcecrsor iaTgg fpI f g[SOItCWt7 shall nnl rtprrarn to a'trosr dto Tnbilky olBotrdahr or any Saeccssors;n lama of,8tmpaM t.Wk *a not he mpnml m r mwnrr pn40ad'mgs ]lladaat mny Sucimusur in Interest of8ommer or to w5m w cdend dmfor paymmt of mbawise mWv amot imfim of tbo sun acmtd by dds Smidly Im,oustby reason ofany &mod made by We ud#W Bosawa or any 9tttuasots in Isuxest of 31MOM t Any fofb Mee by Ltahdar la Comml ung srty right of amody hLclu ling, WA-Iiaioodon, Leader's rteoepmaco of pgymenn fma dmd prnow. edilim or Sucassew in lo=m of Bonowe[ or in ematmhh has dm the mama dim duG shun Dabs a weivrr of or preclude din atetoreafratprig?or 13. point sera 5eve l3sbmry; CeftD st 3bcaee id; sad hssigae ]M=A Borrower covets and w= do BounnWea obligadms aid Ii&W* dull b6 Jaiat sad savete llovmm any BatTawcr who ad-aips thiSSocmtyLtonimeatbat daaaaer mrtetreNote (a'co-stglle?: (a) is owsigaing dris sraha(ty lomia mnonly to maMa, gloat ands amay [heco-dper'a (moevt w ftPapww wWw dm amps of dus Sccadry Tihsarurmar. (b) b amperomt illy obligated td pay der awes swa0 by 06 gottei y butiummi: and (c) ev= to leader and any otter Hotmwer i® sgma w rs[md, moift. larbmr it msYa any aeeommudations with regurd to Ga um w of this Security bstattaent or the Note widica ibe m-ggnres wntawt Subject to the puovihhimns of Seam 18, ®hy S'oermtaria Intatmt of Beamtvrs who atsurnas 8rafovrn's abreabw under alit 5hasnity busimat in amldng. anQ is spprored by L=d-. aban obub an of $rlrmween Tipbu and bearfua under d& Swm'ty hwumem. Borrnwor AM .wt ba ¢hmmd Ilom Boaowe s dwlgafiova tad Habfty under ttds Smu$y iam m ca auk= Lg,tder agreos w such relates 6n wM* 1be covomtt9 end agr=tt of [bill Scc m* 7Mmmad shall rind &=;t as pmvided In Seedon 20) and bern6ethesaammn aadasstgim ofLeadw. 14. Lean Cbatgts. Ieadcr may charge BiQower ldra for semko podamai Iii cmccdon with Bonowe s ddfpuit, for dw pttrposo of p ume ft Lea btltima in the Ply mid dos under ttds 5ocudly 7asamomt, 4ldhttlblg, bet ra Il daid m. aoiaW Ertl, ptvp 2V lasj C*m and 1tal0adin fees. In sagad to say outer fees, the dwm of mtpam mdbm* In dd! Sew* IJaeMM to rbmge a specdie fee to Bower iltall mtbo cuu mud m a pruldlMoa - d,o thetgiig of each lice. Londe amy noteharge lets that=etpres* pmtaibW by ft SehamdyMMUMen m by App WAIBIaw. V the IAta 6 sarjoet la a hm w" a* mwlistm low cbwgq and ft law is Sony lotiv remit to that the inuurat or otter bas dwsw cuBe d. or ib be ce11emd in wmtxti in with the Lvea curd the pe ooftd llmlu. thhn (r) any such loan dials dA beaodtrcedby tba mmtmtimn.,& y in sedate thaeiMe to the vcmk sd and (b) my sum abtwdy w11Qilod kin Dwa lva vhhbihdt awim Gd peamWW lboita w;g be n3moded m Bamiwe= Leltda trop Braise m tttate tMssriund by trtdadrtg the priirclpst Hard wdhs the Note or by moliq a &= pajama to DWMM if it VhW WAgm pig4lid. Ow wAtWom will M Br=w as a Parual fxepaymmt addtotn my prtpsymma. ab M (ttdtadlyd or am[ a panparli at cha.sa ill nrt17(tltilftrrstndrrtlmFlrar) tipnmrdcooopaoovoFsaysualtsefuttQtoadebp6....t,.o,...a.d+..Dua..wa .. wID coasu'orte a aoivarot anysigh[ ofacdon Boaavra mightbave titisltlg au[o[ each mhacdarge. Inman G*'*- t R-OJPA) lows r.t. It on to Form 3034 1101 8R 189QFG466a Sep-25-2009 03:52pm From- T-705 P.024/036 F-937 233817058 IrhNeSces. All oodooa &ca by Somwar orLaderin eounce5on mph We Scewity Inswammt owS be in wpmtg. Any nmdo ro Borower in asnrmow with Ce pwmity Ioaauaaam sbrmt he doomed to have been glues to Bummer when moo by Son dens mail or when samany ddkcmd to 8aaowcez melee addrea if toot by odtat mnm Modena to aof, one 9mium 00 cowftw ado to na Somww tud- _ -- - -- -- •--AppluM.Law cxp=sly. SMUM Abawase, Un andee addre a 9bou be ds Pmpaw-AMM milers Botmwer has deatiewd a =b9dmm cadhe addmea by noire go I ca ft, Hosmmer admit pm rq* ootUy L emhc ofliorrawoes dow of mldress jr f.mdw vaidw a p owim for rRaw gBonowees c -sc of address, titan Eoaowrr clad onl9 so t n ahaaso oraddtws dough drat McdOd p vmdwa.13= may be only anc dedpau d not(a.vMmsa order ddt Semi Irnamnentrtany an Isms Any nodtz mienda seed ba giuan by Muni ttg it at bt, mdlmg itby fad Am =4 to Inds+a addow dwed hosoio oMew Imubr has do peed anodes address by arnica in Bonumxa Any noft in wmrecbwr afds said Srsmlty humummi shag not be deemed m toe, We gavee m L=*r mal acmMy reaWedbytu des If my =dm aophd.by [fits Seearity Ton mmatit Is also ret6ed under ApplteebloLmv, Oho A*T=&Ue taw wjub=.nwL wM amWy the cosrtspuading rega5oncnt hull this Secadty hmnancat Id Cover dog Law; SeversbRiity; Sold or Caasa wAos. Md3 Secmdy Sn*wcsa abet) be govemcd by federal taw and the low of the jmteidction in wbkh rho Pml+aty b hearts. Alt riggbs and obtigadnns comelecd in Oils SecwAy benment ate subject a say ragmrc nc as and fnmicedoae of AmAkawr Law. AppLeeblc Low misht-eyq?>iddy of IMpiift allow die panks m arm by axes= or it might be alias; bot sm, 3ta= shell not be coastaoea m a pmldbidoo M amlri a by oorma+a b? the event vtd soy - p?eLk Ina. loch onMiu shalt ltmro of din 9ectuiry inrmfmwtot the Nee cotdiicc wuh Ap et pmaisiana ordiis 3etaeily Ittswameut ter dte tQora which eatsbe given efia7 vnrhaut die o?isiaa. ' m rids Snaadty SnamWGnC (a) words of the ttttistailhw Sendai aUall tniaDl end Made swrwr.wmds oe wends of she feminate gendor. (b} wards in the s5ugular shell mem and aai and vice vr?so; sod (c) the waed'sni{7' gives sole eltswatioa 9+"odsMa arty ob]iga6oa m left 2MZ;22;2;M any Bolton. 37. Sumowees Copy.Hertrower shrdl.begiven emee W of die Ndesadofdis Seemity instrument I& 1lantt'er or fta: rm*c qr ar a RcwA l relates M leases r. As wod M dais Satbn 18, "Inreedi in, dre Property" means any legal arbene6efal inustat in WeFtopa %iodatfatg, bat sot lim[ad ro, draw bcaelicloi Jnteaaw mnsbomd in &%M for deed, erus?c[far deem, aatsrmea Onnaet ur etaow tsgraanterlt the lotenE of whirb is du vsndrt ? Ode by Hooamver az a fortes des m ¦ pmobmrr. Aodoranypastoftik1 oraay)nrinatinIbePmjas[yisaaBdeatt fortfBOixowrris notamwralpcaonmtdaberr OM tteainHoaawerlysmaartsmef?t?rontLendrxspmorwriaea consent, Lcwkr may tequila immaaw payMott In 1h8 of all smns Mewed, by dds Seeadty Insavmenr. However. Okspurn[ahagaotbeexmcixAgyLmdr,ifmwh -aaAeeinpaot11h IbyAppdc WLAw ]ti 1 cusp awu6- d is up.6., 9.aufo alwU 10-26navwr wdm uP w&2%4 :+ Sm ruder ALA provide A ptuiod e?f sot Ies r than 30 ibrya firmti ttte case tba rmdce is gore in nown ems va SCO&A is widrbt whieb BrtCOwCt malt p4y oil Santa ttecrml by Ode Y InehumraeL ffSa®awec fags to pay these sane prior m dta czpaamM of Ode pedaiL Leader may invdoe mq semedva peamilied by " Seramry Insmuniytmidmfttfardiozrrott?ardaamtd onBoaowt? 19. 8ahwlrNr's Bight to )3daaMU Mar AixeUsstioa. If 8oaowez meets main cooilidmrs, Eoaowar aha9 bave rtratigM m have mtosoemeat of ww Socwity laeautaeateFaeaaGrtaed M airy dens pdw W the earliest oC (41 five days brtoze sore of the Pevperty pmstoott to say power or seta epniafaed in OR 5eciairy 7naaucteaN, (6) sash eidivpocal as Appihabb tea mt mspttafyfor rermnmhoa of Dom wer's ugh[ M neis0Mt of (a) entry of a jadgraait aafosmrg this 9exatity Ltsmwrrcm Dow coesldoos am that Borrower. (e)pays Lsrtdrratl ouMS trpich then tvotdd 6e Otte sect[ dtia Sttam`minstnrMeol oad tbo Nou as sl' no acccieratton had o=mred: (b) cures my defmk of nriy other eaueaaats or gpteroam (c) pays all q ft..e(PA) P-01 HK 189OP64BG I PV. is .116 Form Soso vos Sep-25-2000 03:52pm From- T-705 P-025/036 F-931 243817058 etpw= Incorrad in ouft cing duo Securay LtraummL basbullag, but na chaired to, reisawble aumncys' a Fees. property laspeedoo and vaWsdoo feet. and other fete ba:mred for the pmpom of pmt cdng Leader, interan in rite Pppaty and rill= undw dos 3woky fasoW= sad (d) WI:cs such action as Londor may reasonably requite to aasure that [.alder's intotest in the Pmpray sad sigbn and= dds Seturiry Dmumem. -- - -- - -opal Attnilwrt's tthti¢hsia to pay din "M srrnrrd by aG Strarity TeslmmmL rh911. coadmaromhougod.- leader may regolra tbullotrowa pay such reins{atemcatams std ape acs in out or mina of die following fonts, as sdtcwd by Under: (a) crib; (b) money order; (e) c aOLcd obock boot check. Otesurcra chock or ead&e's cbeek, provided any such dw* is dwat upon an ihaetitodhm whose depWo are insured by a federal agency, lasmnornmlity or mW. or (d) P.laaanic Funds Trm:ft. Upon n7in9L'Netnent by Borrower. rills SoauW Tosaomem and obl'igodans s cwcd knby shalt temato tatty cffmtivc as if no acceleration had oaursd.Howevrf ddrlight tordum A*outeppiymdrocasuofaccdermioaonderSudan tIL 70. We ofT7ote; Mop of Laaa Servim. Notice of Grievaneo 7ht Nola ora pradal i teren in the Note (toged= wilt Wig Security 7ottnaoent) can be sold one or tome fares without prior notice to Bor awe. A sale might result in a cbenge in the cWW Cawwo m do Il.owt StrAcce) the collects Pedodie Payments due undrr the Note and this Security 7mmnsnot and paformt of er moapp loan stsvicing obLgodons undo the Note, ddb Swnhy Lttnugimi; and Applicable Lea 7bcm abo aught ba one w more chwip of the Lin gwjk er antelemd to a We of the Nate Vdnere is a cbango of dteLam Servlcm Baaawa will be given witsca notice of the thongs white wis. UM tit now and address of die oca Loan. Smvicer, the addrom to whieb payments should be merle mid Say offer bdotnaa6aa PTMA9ugW= ba connection with a aodce ar aowAcrof savicing.If; Wo Notels sold and ilewraRa dpi= h a by a Loco Servrcer other mien dw pacbm r of ft Walk lbs Mon ago lam owltbe abligsOm to Borrower will remain wild the Loan Swvieer or be t osfaaed to a aueersaor Loon Swvkw and are not assumed by the Noic pumhaur uMen odtecwise provided by WaNote purehatat. NAhcr Bomowcr nor Leader may corm oncei joho, at t n. XPW to any judkM anion (as either an lndividud lltigmtor the membecof a dies) that arboaf an We odor pmh+'s actions pursuant to this Securby rnsaumcet at tbat aRtges dual the othapony has bnerched any phovidon of, army day owed by season of Wit Seem* )timntmett undsach Bonoww arl.tndes has twdFrA Um other pony (with such nodee given in compInct whh the raph ma is atBacdon 15) of snob wegcd wrem a and afforded We odhtr pang huam a x asooabte period aster the gftvLtg of Mich notice to text: coneefive setion. NApjgcd a Law pravidev a time period which aw4 dspmWoru txrtain action ca be here, that d= po"v ill bo doomed to be reaso nable rorparposew ofthic pstagrsph Mot nods of seedetsibn turd oppona ft to sure given to BoQowcrpu nwmt to Section 22 and die nods; of =cd wos6 own ra 13otrowar paw ma to Seeman 18 stta8 be d-mod W mdsfy the oodetandoppmu ty so talon casrersive anon pmvisioas of ft Sccdm 20. 21L Itamrdous SulisMbeca. An and ks this SOC" 21: (a) bus SOmMueea" am most sult9cutcaz ak5ned n coda or hssarddus subsLmax pallaamft a r wed= by Hovammtcnid taw and rbc fomwing oubstencen gasol"me, kerosene, other flomhuam or tow pwaltum pro"aw. MW pestieidte ad herbicidei volu t mlventa, marr?als comaming asbaws at h mddelryde, and redioachve ruetalabu (b) 'Hovitamaadd Lesu" MUw foderd laws and laws ssf Welhatdkaiou whom shoTtopcM is lotsmd that rslaw to htabh, safety or environumd p oteetimc (a) "mrvi wuicuI l Cleave Inciudos any response acdon. runedU aedvn. or tanoval action, an defined in Emdtanmaxuel Law; and (d) an %r ironmeaml Coadittnn means a condidon tint trill couo% ronaritt Cato, or otbaw1wrkega an HavironMMW Cleanup, aa1?Yr [J (CI•e(PA) ho.sn P.ar 12.119 Fenn 9099 Val 9K 1890PG4862 Sep-25-2000 03:53pm From- 7-705 P.026/036 F-837 aaae>.?osa Borrotver shah not cmue Or pamu drz praseeee, use, dkmul, Mmr§ or rdcatz of say Fhmp*m Sobtder m of damten to [cleave soy lbwlws SabotmwM on or in the ympe y Bozuwcr dun not do. nor avow anyone elm to do, aayW tg alive ft the Pkqxny (4) [btu is iA v oladon of coy BnvkmnrnW Law, (b) vdtrL rtEBIC9 en 13DViuoequatsl Condition, of C) which, due to dre pt 4 use, or Mew of o }tarasdons SabslMee, crcata9 a oondiuon thatadvetaely otfoss the vaue of the Propary Ibn ?saeai of two - - - - - - - - - -- - --- -antvoce*-ohofl-nocopp)y-to-fi3ptCSWCw' ass. ra stoto?a Da die Aoprity of emaD pmrrrmi ? }'fmard-rrs • - •- - -- -- - -•- - . .. . Snbamorrs tits[ ate geeetauy tesogttrud w bo 9ppeapnme to ttmrtrtl seatdentid rocs and m memlrAohm of UrePtoprtty (beo>u?g,btunoeiiraitsd w, ba?ODe mbstaaseslo cvasamer ptodocts). Baaower sbel(ptocopdy BtvaLe9ua wtima ttodre of [? soy is claim. dernmd, lawsuit or omar aodon by mY 8ovmaatmrtl of szBa]atbry sgeney or ppnntvtsets paey 7avotirutg the Fhoprlty cad any F)tfratdoru Snbetaate or Haviroamenlel l?rv of wbkb Batwwe: ins canal taowkdgo. (b) say Smimnme wl Cowthi n, lodudhW but not lWacd cu. 9pining, kd ft, discharge, release or dmt at rebate of nay Iratardaw Sutrsl men, raid (e) my amt eauand by Ma pseseooe, use ar idwe of u 21affidmu Sabstmce whieb adversely agecfs the value of the Prop M. U Borrower karat, or B nod6ed by any Bov,xnmtabA or regrtlarmy ambmtty, or say pdvase party, dtatany semaval or odvseroedladon of any l tardaua Substaw affecd4 dmPropett r it neecamy. Bonowa rbdi promptly Wm al)nwsrmy remodid ocdans in occur apace silk Bnvitonmemat Law. Noibl a8 berda 9bati create cry ahUpDOa on Lamer for an EnvhonwAw Ckw-W. NON UNFORMCOVBNAMS.Btaxw=widLmdcrfiadrot rovtamgeod aBrso as fonows. 2Y. Acc tradoK Remrdim Leader seep Lilt Dodne to Borrower prior to acceleration fenowitZ Rmv~s breach of tmy covenant or agteem®t to this Swatky IpetraMML (bat not prar w acceleration under Scuba n tsnlrm Appltable Lww provides otberwoc). Lander d" notify Burrower A AMM athef IYW (I P) the dtfaolti (b) the RCdWaegcured to sure the deFannt (C) evbetr the defaWt most be cored: abd (d) Mot Whim to cart the ddao@ 29sp edRed may remit fa acceleration of the sumo seamed by ddb Sam* Thdrumcor. roredwore by jadkM procca ft and sate of dw Hvpcrty. Larder Ong Farther MOM Borrower of the ttBhc to relaeeste after auderabob and the tight to assert In the las a prowedm¢ the aaa e3Mmce of a ddli* or arks deimbe of Norrowa to aterlekdoa and forcedwom If the ddltWt It sot eracd ab epee W4'7mdv at inc option. cony regrare immvdfatepsyottatlnfoli ofaAtrataesamzdhy Ihb 9ecordg7?orametttittout /miter demand and may rorecieer this Seca* harawrot by joWd proceeding Lt add' Shan lea entitled to coltret all erpebsea inmesed to ptu,®t the remedmt provided to tbie 6edlou 22. Jambi ft, but not ranittd to. atta aye lets and costs ordit wideaee to the admt permitted by App&wbtaL» tr. 23. BrJea91; Upon payment of al soars sasmrd by ibis Secu* InsUmm, MU Scamty Ingwotoat and der mom conveyed sbpU Mao- and bwoute veld- Ana web acmateam I coder Mml dhsha r and sails[ this SecLgiW h aarmwt Bom wer AM pay any tacmdodw cam. f.eada may chap Borrowera fez forrdeaft drib ScmdW rnsmmtwe but only U ilk fm 1s paid to a third party for scrvic u tendered and ft dtmgtn' goEtmWipeanhtod.-w AppUmblalaw. ZS- Walvera Boeower to the exwo, pcaminrd by App)tceblc Las. v=Wa sod rrI== any war or defects is proeobdtpBs to raEowo this Seamty fa tromptr, and kkey waives tea bem5e of any present or fntnm laws pvAdWj forsaty of cuoation, awadDa of time, campaoa Bom aaadn waL levy and mk and hDmC=d e7 "Weian. Itehtsmtem?°f pgi{?t ?Wdi p(? Yt tsimulp; (tmtidrd'm Rrninn 19 dtall cvwnd to one hour prior m tiro smmtta?mtvfh"o at a ehaitl'e sda ac ofiata?& potanmu ra rids Scundty iasnnma+? 26. Parthese Monty Mmigage. Z an or the debt socered by rich SeMWW Isomwteal Is feel to Bomuwer• to wgsba fib to dlbBmo . dais Seatag In*wn=tahallbe apm,d tea money mortgage. V. Xulacat Rate After 3odtment Borrower Wm deu dm low= tmre ppaayablo e9Q a judgment is eattemd on the mom or In an WAan of mtatgAga facclom shall be d crest payable from time to time under - - - - dteNma. - poarr ? "'` . 4%.61PA) cauvt P.p. ,. err to Form 8899 trot 8KI89OPG4863 Sep-25-2009 03:53pm From- T-796 P-027/036 F-937 7{361?658 BY SIGNM BELOW, Borrower D=Ptg and agrea to Wa Mm and wvernme eamnined in 16(! Scanty ln9pvment wrd iu enY Rlder executW by BOA*w&rwd lcmded wilt k WILLZN! g GOETS -Bonn.•er CSC .Brnoder 4-8(POI laml _ (Seal} (Scaq jlormwer -8el=uwor (So* .. (seeTl (5eW) Bmrorrr -Bac.ower Pao. 16611. Ferro DOSE 1101 8K 1890P64864 Sep-25-2009 03:53pm From- 7-705 P.026I036 F-937 ..ue,e?trns. ii: an CYJS U.USINS DEPT i 91717652M413 W0.273 vM STATE OF ?l°Nn1$ kill, SS: cOtmrrr OF am On two, tha zday of ?l"/? . 2004, before me, a Not?? c. the u gaed officer. personally appeared I 0 il", it j _ known tome (or satisfacronly proven) to be tfie person(s) whose name(s) islare aubscribcd to the witlrirt inatrument and arkaowledgedthatbelshehhey executed the same for the purposes therein contained 114 WITNESS WHEREOF, I hereunto set myheod and official seaL My Commission Expires: r Notarypublic BK i 890P64865 Sap-25-2009 03:54pm From- T-705 P-028/030 F-027 V3te' 17,cveuva vnie. a. xae r-w Order_ Number:. 000085085 - -- Re: WrLU M GOETZ --? ----- -375 SASNT TOHNS OfliVE CAMP HILL, PA 17011 CUMBERLAND County trxtrtaTT •?• ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Mampdan'in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin on the eastern side of St. Johns Drive (formerly Point Ridge Drive] eL the corner of lands now or race of Kurvin W. lauert thence North 64 degrees 59 minutes East, along the same, 206.40 feet to a point; thence Mo=th 25 degrees 01 minute West, 7.6 feet along same, to a point; thence North 64 degrees 59 minutes East along Lot No. 64. Revised Plan of Section No_ 3, Point Ridge Farms, 88.28 feet co a point; thence south 29 degrees 39 minutes East, along lands now or late of Barbara Rogers, 232_35 feet to a poinc; thence South 55 degrees 58 minutes West. along same and lands new or late- of Watts, 251.89 feet to a point; thence North 33 degrees 11 minutes West. along the easterly aide of St. Johns Drive tformerly Point Ridge Drive) 102.65 foot to a point; thence north 40 degrees 7 minutes West, along same 168.00 feet to the place of BEGINNING- Da 251 PAGE 3712 PARCEL 10-20-1846-175 I Certif;? :.ir ??, ?,, roc :! :? , r, e 09 anI89OPG4866 Page: 5 of 5 . Order Number 000085086 Sep-25-2009 03:54pm From- T-705 P-030/036 F-037 i I 7498770SO ADJUSTABLE RATE RMER QMOR 6 Mash Index 6u PabWwd Io The wA Sheet 7ttttrttal)-1[are Cars) -T?LE1?At BID81t 3a mo0e dni and d3y of McclsesA - -- - --- - - - - 2004 . sud is lnwpm'atedim tend" be dezmed m emend sad sttppletm:nt the Mectgage. Deed of Tens[ or 5ecutiry.Dm d (ft '5otat61y bMum=C7 of the sam: dam fLvra by the uo&tdgmd (dir. "HORnwet'1 M Rrtmn: %mvwrr'v A4nmaNr Poe Wwo (dta "Mote) m Cow= UMM Ircu=r COMPANY. Lxc . (the "Leach -) c f tht same date and cmmft rift Propetty desmihcd in the Security Iasm mein uatl lu.dtcd -jr. 37S BT.JOMB vv2vx CAMP HILL. PA 17011 Rm" -1 THE NOTE CONTAW PAOVMW ALLOVONG FOR CR NCH4 IN THE iNTUMST 3tA2X AND TW MONTt3 V PAM M =2 NOTE JA1dW THE AMOUNT TO DOMOWER'S INIVIRM RATE CAN CHANCE Al ANY ONE TIM AM TIM MAX04 MR&Tj&7Em 30[(ROw= USTPAY. ADDITIONAL COVENANTS. In atLlition m dw covemms mtd zlemmras ttmdc in the Security 1*vuwca.&amwerwALcada rwdureavammandageeasfvllgw= A. EgIE 6TSAUANIIMONTHLYPkVbC:NTCHANOSS Thu Nou provides for aaiaitisl intcmet cite of 7.250 ?. Tbr: Note p0widcS for changes is Ilia iattsecttate aodthe OWMMypay=Mk ae MOWS! 4. RgVJPN,& kATE AND MONMYPAYMEMT Cl3ANmS (A) CkdngeDM Thv bwti*t tarts t wilJpay myy cbfta tm the 15tb dltyof nsCBtmsR 2006 aid om dent day every 0T9 mnmb tb=*r. &ch dam an w" my interest me cgild c1mvge it caMcds "C7 mpDam" M Tke Index Hcg cu&& vadt the fitst Cttwp Date. my bm= talc wo be basrA an an 1Mer. The "Inaw is the avem a of me=bmk ofttced » for 6 mmuh U.S. ddlbr46nem6med deposits in the Landon market {'LIDOR7, bs poltlisbedinTfta SYall Slrrd Jotrrrml. The moot resat Iodex Sggm a"ibbla w of the cast MatatG? ,omabk rkTUM9c]I•'1B(O?86XWhkd= WOOD t?ca 1 ar9 UK1890PG4867 Sap-25-2009 03:54pm From- T-705 P_031/036 F-93T I 249017050 business dal! Of the month tmmetGatdy preeed'ing dha month in which tha Chaasa Vast; occurs is called ate "t^tmmi7ttdrx.' If the Index is no longer ovoiioblc, the Note Holder will choose a new Lulnx that ]a based. upon compstabhlnfatmatien. PzVoicHa]da willgive me ealicaofthls chnioe _ _ ... _ ._. _ _ .._ _.._ . IC) Cattrotolfon of Ctumgas six a each benge Rve, the Note Holder wM tatcolme my now intetrst mac by add'u+g AIM Boo/loon ( 6.800 gb) to die Ciarcat Tadoc The Note Iblder well torn anon the molt of NIS odditimt b the neatest uaa-e]gblit of one ptarmtego pohn (0.125%). Subjoet to the ]im]ta stated in Section q(p)belaw, this wended amw0tan'Sbemyeewinreuarme unpttheow ChengeDate. The Note Holder will dteo dwair to the amount of dte mommy payment Chet vrould be sufficicat to r9ay the unpaid prbmlpd that I ion expecfedto owe at the Change Detain fa0 on the Maturity Date at my new intacauts in subsmnlially cqusl peyments. Tha mm* of thts talculo ion will ba Mr mw amount army monthly pgpme0t. (D) Limita an Interest Dam C umgcs the intff rate I am sequired to pay at the fast Change Date w iB not be &motor than 9.250 S of has thus 7.2So yy. 71weafrer. my intcrcrt rata viM never beiauco=dordetseasedonairytingleChengeli tehymatethin utter Mitt goo/logo percrnlagepoimt(s) ( 1.000 %) from Ownoaf]twwiIhave bean yingfartheir.Caing 6 montimMyJntescattua,willancrbagttmmOwh 1a_z5ff?, (ElEffecifveAateOrChaagr9 or l,owar than 7.250 gt. My new intetmt tale will bemuse dtrectivc an =A amp z)u%e. i will ru tha amount or my new monthly payment beginning an UmEm moodtly payment dine alas die Change Date retail the amount of my monddy peymanct:hmgea ogam. M Notice orcitanges 1beNotelialda w]ndttTivcror mailce meaaodcaofmty changesin myiatarstsateand theatnouni of my monthly payment balms do effeative ft of my dwege.The noduc will irdN& infommstins tnptireA by law to bo g)ven me and do or, tetepbone number of a paean who tvffi aanwer my qucsdan I may have 1w. rdlec them ocr B. TRAMEM OF THE rROPCRTY Olt A BtOt MCUL VMRHST 3N BORROWER uniform Coventme17offheSetmrltyltmumnmtburicadedtotew0Fu]lower Trau9ler of Ow PropeM or a Rend khd k f and kBturowers if IN of any pan. of the Property or any i0tereat bi it is sold or mingured (or if a bmtrxw 71111etsst k)Inttowar ill Bold or oansfatcd and Bmwv= is not. a 0ammt person) witboutLunder's prior vainca consaa; Leader may. m its option. ttequire iwunmUM poyment:a fain 6f wit ww ouw cd 19 0J, 3-hy Y tm,uatan. !however, dais updon zduib not ad of niwt by !rider irrrraw.. it ptahlhkM IV rrrtrral Ivor vc of the gate of thin Suctoig- loa0umant. LamLr also shall not cn:ois: this option It, (o) Beaower moves to }m submlw d m Laaderbdhmadon requbed by Iwldote / ? 839U (9705) Pepe tat S Form 2130 Mil at 1890P614868 EXHIBIT "B" {00397558} Michael S. Travis !D No. 77399 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@ mtravislaw Attorney for Defendant Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, 350 Highland Drive Lewisville, TX 75067, Plaintiff vs William B. Goetz, 375 St. Johns Drive Camp Hill, PA 17011 Defendant Q. III?? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2009 -6749 rv ryir;l O T _, ° _ rv o c . , !'C C? U C T 7 fU ?? rn .? CI7 ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE NOW COMES the Defendant, William B. Goetz, by and through the office of the below signed counsel, and Answers the Mortgage Foreclosure action as follows: 1. Denied. Defendant is without information to admit or deny this averment, and the same is denied. 2-3. Admitted. ------ ---- 4. Admitted_in_par_t,_denied_it_part._it_is_admiited that the D_efendant_. executed a Note in favor of Centex Home Equity Company, LLC an adjustable rate.note (the "Note") with interest thereon at 7.250 percent per annum, payable as the principal and interest in equal monthly installments commencing on January 15, 2005. It is denied that the current interest rate is 8.875 percent per annum, payable as to the principal and interest in equal monthly installments of $4,960.27. Strict proof of the current interest, principal and payments due is demanded at the time of trial. By way of further answer, without modification, the current annual percentage rate, and payment are unconscionable. 5-6. Admitted. The document speaks for itself. 7. Denied. It is denied that the Defendant is in default of his obligations pursuant to the Note and mortgage because payments of principal and interest due June 15, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable together with late charges, escrow deficit and costs of collection including title search and reasonable attorney's fees. Strict proof of default, principal balance late charges, escrow deficient and collection costs are demanded at1he time of trial. 8. it is denied that the following amounts are due on the Mortgage and Note: Balance of Principal $487,898:75 Accrued Interest 5/15-10/8 /09 @ 8.8750/6 per annum ($118.63 per diem) $17,438.61 Accrued late charges $1,457.82 Corporate Advance $274.30 Escrow Advance $1,122.44 Title Search fees $350.00 Insufficient fund charges $20.00 Reasonable attorney fees $1,250.00 Total as of 10/28/09 $509,811.92 Plus the following amounts accrued after October 8, 2009: 8.875 per cent per annum ($118.63 per diem); Late Charges per month. Strict proof of the amounts due is demanded at the time of trial. 9. It is denied that Plaintiff has complied with the provisions of Act 91. Strict proof of compliance is demanded at the time of trial. WHEREFORE, Defendant prays this Honorable Court to enter Judgment in favor of Defendant and against the Plaintiff and grant such relief as the Court deems just and proper. a? Mi Travis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mst@mtravislawxom Attorney for Defendant Date: //-/ -2- -v 7 Nationstar Mortgage LLC f a Centex ) IN THE COURT OF COMMON FLEAS Home Equity Company, LLC, ) OF CUMBERLAND COUNTY, 350 Highland Drive ) PENNSYLVANIA Lewisville, TX 75067, ) Plaintiff } vs ) No. 2009 - 6749 William B. Goetz, ) 375 St. Johns Drive ) Camp Hill, PA 17011 ) Defendant ) VERIFICATION The'statements made in this Answer are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa.C.S. Sect. 4904 relating to unsworn falsification to authorities. William B. Goetz Date: /l-1-2 - 0 7 Nationstar Mortgage LLC f/k/a Centex ) IN THE COURT OF COMMON PLEAS Home Equity Company, LLC, ) OF CUMBERLAND COUNTY, 350 Highland Drive ) PENNSYLVANIA Lewisville, TX 75067, ) Plaintiff ) i vs ) No. 2009 -6749 William B. Goetz, ) 375 St. Johns Drive ) Camp Hill, PA 17011 ) Defendant ) CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC c/o Mary L Harbert-Bell, Esquire Milstead and Associates, LLC 220 Lake Drive East Suite 301 Cherry Hill, NJ 08002 William B. Goetz 375 St Johns Drive Camp Hill, PA 17011 NM'c'hael S. Travis 3904 Trindle Road Camp Hill, PA 17011 //- «"d Attorney for Defendant Nationstar Mortgage LLC f/k/a Centex ) W THE COURT OF COMMON PLEAS H66iltquity Company; LLC, ) OF CUMBERLAND COUNTY, 350 Highland'D rive - ) PENNSYLVANIA Lewisville,`l"X_75067; ) .. Plaintiff ) vs ) No. 2009 -6749 William B. Goetz, } 375 St. Johns Drive ) Camp Hill, PA 17011 ) Defendant ) CERTIFICATE OF SERVICE I certify that a true and correct copy of the foregoing document was served on the below persons by first class U.S. Mail, postage prepaid: Nationstar Mortgage LLC -f/k/a Centex Home Equitytompany, LLC c/o Mary L. Harbert-Bell, Esquire Milstead and Associates, LLC 220 Laki'-Drive East Suite 301 Cherry Hill, NJ 08002 William B. Goetz 375 St Johns Drive Camp Hill, PA 17011 Michael S. Travis 3904 Trindle Road Camp Hill, PA 17011 Attorney for Defendant Nationstar Mortgage LLC f/k/a Centex ) IN THE COURT OF COMMON PLEAS l? j Michael S. Travis 3904 Trindle Road Camp Hill, PA 17011 717-731-9502 mstgmtravislaw.com Attorney for Defendant Home Equity Company, LLC, ) OF CUMBERLAND COUNTY, 350 Highland Drive ) PENNSYLVANIA Lewisville, TX 75067, ) Plaintiff ) vs No. 2009 -6749 ? o °• c o L, O M O -' . _ F- Z R1! - N `:; C, z m c= r17 ui G-) William B. Goetz, ) 375 St. Johns Drive ) Camp Hill, PA 17011 ) Defendant ) TO THE PROHTONOTARY: ENTRY OF APPEARANCE Please enter my appearance on behalf of the Defendant, William B. Goetz. Date: /f /,?,07 EXHIBIT "C" {00397558} Document Cover sheet Original v o - - z? O --- --4 M ¦¦¦? o. 243817059 ADJUSTABLE RATE NOTE (LIBOR 6 Month Index (As Published In The Wall Street Journal) - Rate Caps) THIS. NOTE_ CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS -THE -AMOUNT MY-- INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. DECEMBER 2, 2004 SEVEN BILLS, OH 44131 lDatcl (City) IStaml 375 ST.JOHNS DRIVE, CAMP HILL, PENNSYLVANIA 17011 11'rupedy Address) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 589, 991.70 (this amount is called "principal"), plus interest, to the order of the Lender. The Lender is CENTEX HOME EQUITY COMPANY, LLC I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 7.250 The interest rate 1 will pay may change in acc:ordauce with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate 1 will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place or Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the 15th day of each month beginning on JANUARY 15 2005 . I will make these payments. every month until i have paid all of the principal and interest and any other charges described below that 1 tray owe under this Note. My monthly payments will be applied to interest before principal. If, on DECEMBER 15, 2034 , t still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at P.O. BOX 199400 DALLAS, TX 75219-9077 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 4,024.79 This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate 1 will pay may change on the 15t1bay of DECEMBER 2006 and on that day every 6TH month thereafter. Each date on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE NOTE-LIBOR 6 MONTH INDEX Modified-1138 (9406) 1 FNMA 3520 (6/94) Pa c I or 4 Initials: CE838-I (031098).01 5 243817058 (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for 0. month U.5 dollar-denominated deposits_ in the London market ("LIBOR") as published in The Wall Street Journal. The most recent Index figure available as of the first business day of the month unmediately preceding the month in which the Change Date occurs is called the "Current Index." if the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give true notice of this choice. (C) Calculation or Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding sex AND 600/1000 percentage point(s) ( 6.000 %) to the Current Index. The Note Holder will then rotund the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will riot be greater than 9 , 250 % or less than 7 .250 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE AND 000/1000 percentage poin ts(%) ( 1.000 %) from the rate of interest I have been paying for the preceding 6 months. My in erest rate will never be greater than 14.250 % or lower dun 7.250 % (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment n beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice or changes The Note Holder will deliver or mail to the a notice of any change, in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the telephone number of a person who will answer any questions I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "frill prepayment." A prepayment of only pan of the unpaid principal is known as a "partial prepayment." Except as provided below, I may make a full prepayment or a partial prepayment without paying any penalty. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe wider this Note. If 1 make a partial prepayment, there will be no delays in the due dates or changes in the amounts of my ninthly payments unless die Note Holder agrees in writing to those delays or changes. I may snake a full prepayment at any time. If I choose to make a partial prepayment, the Note Holder may require me to make the prepayment on the same day that one of my monthly payments is due. The Note Holder may also require that the amount of my partial prepayment be equal to the amount of principal that would have been part of my next one or more monthly payments. If the original principal amount of this loan is $50,000 or less, I may nuke a full or partial prepayment without paying any penalty. However, if the original principal amount of this Note exceeds $50,000, and if within the first 60 months after the execution of this Mortgage, 1 make full prepayment or a partial prepayment and the total of such prepayment% in any one (1) year exceeds twenty percent (20%) of the original principal amount, I will pay a prepayment charge in an amount equal to the payment of six (6) MDmlu' advance interest on the amount prepaid which is in excess of twenty percent (20%) of the original principal amount. 6. LOAN CHARGES I If a law, which applies to this town and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to stake this refund by reducing the principal I owe under this Note or by malting a direct payment to me. If a trfund reduces principal, the reduction will be treated as a partial prepayment. MULTISTATE ADJUSTABLE RATE NOTE-LIBOR 6 MONTH INDEX - w/PPP Modified-836 (9406) / FNMA 3520 (6194) CE936PAp (06003) Pate 2 of 4 Inidw 243817058 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of -- - - - 10 - calendar days after, the date it is due, I will pay _A late charge_co the Note Holder. The amount of the charge will be 5.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, 1 will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal that has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if 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 full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to tie extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, auy notice that mutt be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if 1 am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE I If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who 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 0 of the amouts owed under this Note. 10. WAIVERS 1 and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" meats 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. 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 that [night result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: MULTISTATE ADJUSTABLE RATE NOTE-LIBOR 6 MONTH INDEX / Modified-839 (94(16)1 FNMA 3520 (6/94) CE838-3 (031098) Page 3 of 4 Initials: 243817058 Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a rutaral person) "without i.ceder s prior written consent Lender may; at"its option; -require immediate payment in i full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if. (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these stuns prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 12. APPLICABLE LAW This Note shall be governed by the laws of the State of pLVXSYLVANIA If a law, which applies to this loan and sets maximum loan charges is finally interpreted so that the interest and other charges collected or to be collected in connection with this loan exceed the permitted limits, them: (A) any such interest or other charge shall be reduced by the amount necessary to reduce the interest or other charge to the permitted limit; and (B) any sums already collected from me which exceed permitted limits will be refunded to me. The Note Holder may choose to snake 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, but in no event will a prepayment charge be assessed if the t Note Holder chooses to reduce my principal balance by applying such excess amounts. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. 4l,? -(Seal) (Seal) WILLIAM B GOBTS -Borrower -Bormwcr 3W4:?( (Seal) -Bormwcr X _ (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower SSN: SSN: (Seal) -Borrower SSN: SSN: _ (Seal) -Borrower (Sign Original Only/ MULTISTATE ADJUSTABLE RATE NOTE-LIBOR 6 MONTH INDEX Modine4438 (9706) I FNMA 3520 (6194) CE8394 (031098) Page 4 of 4 ALLONGE'TO NOTE LOAN NUIVISERc _ 243817058 A LLONGE TO NOTE DATED: 12/2/2004 LOAN AMOUNT: $589,991.70 PROPERTY ADDRESS: 375 ST.JOHNS DRIVE, CAMP HILL, PA 17011 IN FAVOR OF: Centex Home Equity Cornpany, L.L.C. i AND EXECUTED BY: WILLIAM B GOETZ PAY TO THE ORDER OF WITHOUT RECOURSE Centex Home Equity Company, L.L.C. qRF--lynt TITLE: DOCUMENT SIGNER DATE : 1.1/912004 EXHIBIT "D" {00397558} .Sao-25-2009 03:49um From- T-705 P.013/036 F-93T • di is l CEs" 10 Pil 2 38 nlurnH>?avsa cegoes sauln COMPM, E= P.O. BOX 199500, rf"M OaCB Dalian. TY 45719 ltmn To: 243017050 Pa=lNumbce ISpomAba¦sY4ULtmFergacor&"caslsl J MORTGAGE DEMMONS Walls used in m0llipip sections of It& dactuamc= &Sncd below sad .11117 wtaaa pre delimd in Sections 3.17.13.18.20 and 21. CerWh coin r4a (ling the usage of sw(b w5d 111 "d=mlcm 110 also yw-UW in Scaun 76. (Al "Seallft-brtraraOV mvmis this daaoneal. Which isl6al 12/0212004 tagdhawithoRlUdecs m thin downiont. (B) UM 3 CORTS smower irtbe rnotrgogoi undo da Securay InsCUOl AL (C) "Lea110i" U Corm 119,NX llatmTs COMMI LLo Lcndcr i9 a L r, 290 L101BILm3x CaslQwr PENNBTLVANIA-SlnOlaFmnily-Fennl@gaeiFnddlaYapUNIFDnrtINIMIUNENT Fwat303V '007 44.11tPA)to un Ps Vup umpups ae4nnnlJna. 18501921-7201 1UK 1890PG4850 Sep-25-2004 03:40Pm From- . T-705 P.014/030 F-037 20817058 argaindododsdt Unthribe lam of mm sum of nSL11rRn! Ix"dcr'o oddtrssls 2828 Nmmm mmwt70d YDTLLAS. 22 7#202.1515 I.ondcr is the awAgagee mdTtt thin Smaory fusaumeot __-.__...--?_-(p)"Note'=me9natlwpmawsotynorzedbPBamomer•nndda?ed -13/02/2004• - - - - The 1Jme smtra that.Bomwer owca Lcada pXM RUl ASI) an1t;8T![ Rnns THdUSM RM RUMAND NIMTT 0278 r. 70/1W- (LS. S 589.992.70 ) pft iatgeet,amrowcr bW ptodused ID pay this debt in regular Periodic PeymdnsandtopaylheddAinrOllnntlams:dum 12/1312034 (E) 'Properly.' Iran, the pwpaty dun is des aW brfow ceder the heading Transfer of lU&A in the ?p 1 an° means the deli evidmccd by don Nato, plus im=A any prepayment charges and fate charges duo under theNoTr, and A sums dus under dikSeeauity Iamnlen4 plus intents. 16 "MeW meem BD Rj&= go dub 8ecudp Insamtnent Ulm we e>< IrA by Dmm- The fODowing Me= em m be ar0euted by Borrower (d iwkbox as WrzU e7: (9 AdjmsmbleStMPJ a ?CaodomndumRida SaoodHomaRider aalloonRder PlmmrdUddJWvetopmwtRidrx p,4FmBYR;&r L O VA.Rider C-1'Eiweaklyllaymtx PUS omen(s) Imeft) (ti) -Apptkablt Lard" Ma m aD caffm Uidg app$cabk furva7, 74906 81111 kcal bTemtrs, r<guleuon5. ordiamel; mad admlaim7 6m rdles ad orders (dot have the effect of law) ns well es aU applimbk slid. TWIT-appcnlabk jddkietapinions. (1) "Cen mnnity AWAdaetlun Una. Fem, nod AsseUMMS" means 119 0e9, fees, assessmemis and OMU charges that are, bpobrd on Bommer or die Property by a coodoacmium arsacistmn. hOmcowners maoCWM orslen0aenrga+dWIML (eel "l2mp'nllli ftWm 7mn9W retreat trey llans(nrnf fifaAs_ nAtrr thM 0 Ra1TSaXdntl luiginaleA by rixrtr, dmra at *Aer papa 100ovOcnr, which i9 inVAud thmttgh an ejamoma mcninal, ndtoook imuralu , eompwer, or magnetic tape so as w orAw. loam or taoWzo a Grad d Mention m debit of aed'u on m woeer- Sm:b t® kdndes lnu is not ing" to. paurt-aFmde tmudm, m8orimated taW maetorm tonb, Cwssfetafaitlemlby takphode. tvbetmoef®, ana8u3ot?trdrJenriagbon9ertaadrrs. (fE) "SaetowItedu" means droseirc+ns thetaaedesadtedin 522402 3. (L) °MilwIla toms Pr eco de" mmm any c mpo . 9edkment, award or damps. or pmesads paid by any third pmry (aft fi m Imusuto pt cw& paid under The cmeragea dem'bnr in Section 5) for (r). damage to, ordesdoc0to a& dm tapesry: (h7 m damnwd- m ocher ok ag of 811 or any pert of lie Propury: (ru) eadveymce is lion of eondem mdum or Fill) nihmplammilms; of. or notWom ad in. The value uodior Condition of WCProperty. UM 19464pSe Yemuntme mraw immumle" protacUng fender agalast dTa nonpayment of. or defWt on, the fit. (M "perfome 136yment" elm.an Chalolalaumuur dam fur (rl ptimgr.d sad illu=a under dmm NOTG, ohms rn) My »m11uote 111311037 Saban 3 of dds Settmnity Imoumcat, at-eiPA)mo.eq o.peem me Form 9009 2702 ex 189UP64851 Sep-25-2009 03:48pm From- T-705 P.015/036 F-937 743817858 (O) MEMO means die RealBBmla Swdemeot?wftdu v Act (1Z US C. Smfi m 2601 a seq.] and iss Impkmaodng teguimimhRagtdmon X (74 C.P7t Pm 350. as day mightbawncr4ed ftow dme m time. or say oddifiond or suewmarbadadas at regrdetion that govuns dm Same suhlea atom. As n9cd in this Samuity baa nnum "RAW reraa to all ro"b= mts ma n akdow that ate imposed in regard w a -- -- - - - • - - - --'farktBlly-rohaod-mortgage-iaan"-oven-iFdaI.mn does not•gaalffY ass °foderatlyleh+¢d mangeSL.]aen' _ - ----•-- order PMPA, tr) "5aeremor tslbweat ol8onower° mmna any patty dwe has Men dde w dto Propm. wlmfiQ or MR drat patty bas assumetBonumesabligadons undo dr Now aodlor this Set i ft 9mrumm 7RANSM OP RIGHTS ir) TfM'YF OMTY This Sway inguntya ww o to Lando: (t) dw tep•,gment or the Loan, =4 IM =-vats. ,ti• -a woffra&m of did Now at 00 the pedmmoem or Borrows a eavt7lms and egrewco r tmda thu Swmky Iamommt and the NoM For fhbt ptttpor, Boaawer dodo hraeby mw%mge, grant and convey to Lenowdtefollotvingdi i,,A ro liemadladie roux ?typuorsecaceiarJndrticiion) of Qlrmeoriteeordl?elondae,ioni: All that: tract or paraol of land rW mums as 8chwuze "A' nttxchad hexato uhiah in incorporated herein and coda a part harenf'. which emreoity beg the address of 47b =.awwlt ottxvs ISv-nl CMP HILL Iasi.PamByivenia 17011 ITp Cwtct ('hopMAddcess'): TOOEMM TM all ft lmlptamuca s now or horGafter atwA on ft pwpM. and sit gwWfg. appudmoacrl. and futons tow or hamsbu a pan of The p ape q. Alf mplamMeala end Wbffm 6 ahnll 0I90 he covered by this Se=iiy lmuw '°r AR or the foregoing is =moat to in this Secarity Insaomum m ft °E.'opc,v. 4R-aiPA)town vr.om,e Form 3839 Val BK 1890PG485Z Sep-26-2009 03:49pm From- r T-705 P.016/036 F-937 2436170SR BOKROWEtt COVENANTS that Boamer is lawfdly seised of the c%mc hereby conveyed nud has dhe right m ramsgagtr. Sant and eoavey the Prropeay and diet des Nwpoy is upwCambcmd, cscept for eneUmbrancea of seeouL Borrower warmniv and wM dofend geneaily the We to line Propcsty aseftu all claims and daoanda, subject In may eaaevnbroasea ofn=L - - - --- - -• - - - --;,ua-SB?F)BITY DWIRUN ENVieombints, noffmw eovtmoota for sWond use and no sin ifoon - covenam wbb limited vdiMons by jodshfiotioo to wo des to o usufoum accoricy inenvmous covering teal testy. UNIFORM COVE LAMS.BorrowerandLcodacovwmtsandagmasfoltowr. 1 Payment of PAndpal, ToNsedt. Facmw Terms, Prepayu mt Chmgm, mud Late CbmgeL 8mmwcr ddA pay wbce duo the p>;acipal of and Dam= on, die debt evidenced by dla Noe and any p opsyment charges and foe chsrgas due under & Slam Bomoaer shun also pay Amds for Escrow ]dens pmsuent m Secdoo S. Payaoaa due under dm Flom amd this Security Instrument alwU be made In U.S. CtvrM. Hmmver. N ahoy cbc& or o*w inummess received by Lender as payment under Ow Non of WE Sawaty kabnmcat is nonmed m Larder unpaid, Trades any mgabo do troy at all suluatuaa't Payments dna under aide Nunn and 1618 Sxndty Insanntestbo nude in cue or port nr mefovowing Farris. ass seUtted by LaadeF (a) mft (b) mmhey wader, (c) cw fird cheek, bent; aback vaOa ices check or cashes check, provided any soeh check is dawn uperr an fmtitlllioa whose depa9im at imsmrd by a federal agency. Woumcm ity. at aunty; ar(d) IllccooaicFvA3 T nd= Paymeoro ate demed naeelved by Leader when xwdvW at the Ionian dtssisnoA in rbe. Nom or at such odhu locedmr ea may be dtdpawd bylmdcr In ==#anct witb dho nodcapawisioro in Socdon 15. Leader maysmuonyfkryoaeotorvxAl taymemirdrpsyavstorptsWpgmmareiatoffciotmtaring the Loyd cw=L Lando may w4mg my psrimcox or ix*l p ftlsuf[iclrnl m bring the Loan cwxm% wiihont waiverofsay zVo hormoderor p e)Hf;ceto itse ghta to nfttesnehpaymcatervwnw payments in dte ruuo%butL andaia outobhigarA m apply each psymrno =the time each poymdsp ens aorcpprd.Ifeach Periodic Payment is applied as of Its schedalal dm date, don Lend Q need and pay insect on unapt lied f... L. L..nln, nor L 1 I wd, ww#Alr:,l Ands and bumawec mmrea paymwt m tang mo Low cucruot. a Borrower doaa nor do m whhin a reasonable palled of dare, Lmdrr"oidder apply such funds or rearm theft m Soaowesff no oppW eadler, edehimds ugh be applied m We auubmftgp fodpat belormvader the Note hmntaTc * poor to finedoaom No A= or claim wbkb Sur own at& ham now or in du fi1nuB ogaitntLumderAoRsdfavoDomwerfrom rrdft payments due under Me Now ad this Seauhy insbumtot Or petfondog dte eovebeats etdd sgteemmta soctraby this Sdhenriry70911188eot. 7. A.pocatton of Payments or Proceeds ftzpt as odh v*c &=M le ahia Selo 2; au payments accepted. oodappTre3 by Leader A& be applied is ft foi ouft seder or p im:Ry: (a) Bterass duo under dos Nat; 00 p du under the Nati (c) aanttudi due undo Sc Wm I Such Pomhents AW be opp5cd to each Pda3odia Payment in duo older In which itbra no due. Any remaining as onals"be appW test m late thogm. "toad many odrrr omoonto dam under dtk socarhyfasmhmcA and tben m rodaoe ttx pdoc%W balanco of dha Notes If LcmW receives a payment from Bdumwa for s delinquent Periodic Payment which includes a Puffickat amount to pay any hex charge due, ode payment may be dpplted to the delenquentpaynoat and dha latecharge.Ifcomeaancm:rd AcPaymentIs amstetrdog. Leadertrayapplyanypgtocutscdived fmm Borrower m doe rep anent of the Pedodle Paymmis it and to the exteat &L each payment can be paid in 44-o(PA) ro.ora page..I ie Form 3039 7107 OK 1890-PG4853 Sep-25-2009 03:49pm From- T-705 P.017/036 F-937 23037058 rwL To die aawt tbal any tascsa etinsa SW the MYmmt fs apprise to di0 a& Payment of one or more PehWk payr ml% smcb arches tray be app d w any IOW dwoes due. VaiunmrY ptepaymwta ehaR be epplkd 5ra w myp t ehul;es and dua m dcmmb din IheNalc. Any app]kOft Of pgytntnts,IRturahete a0eeedt. of MmUeneour Pmeta:da to p&tipd doe under ft -- --i?tote uo4cxteodorPoSipoaed?eAaedaikorclaoywdeamaantaFt6cY?odiaPaymeots - -• - --• --•- - - - - -- - - 3. Ponds rar Fsaow Incas BOtfowmr shod pay to LWW an hie day pgiotUcPaymtnis am due aaacr die Nwk imal dieNott is prod io Ut s sum (die "Fande") as pmt farpaymant of amounts due for. (a) Axes sod ossesrmetus and ether items which ca maim pdoft over this Sc ofuy TOatremeatas a run a owznbmcr on dw Property; (b) Lammld Palmieatn or Bmaod onto on the Pmptaly. if any; (c) ptamlums for any and IM insunaw segtdced.by Lsuck emery Setdaa 5; and (d) M014 8e faamcaneapaeadurnk N any. or any sums payable: by Borrower to tender In Uett of the payment of MOM4 0 Iwtuanca p craft a In accorduhee wide the phoAdons of Secdon ICL The= cos are called Mccrow berms." At otig.msuon of at any dw doing die term of the Loan. Leader may requits dat Commmdgl Anode ien Dom Few. and Aom men%if my, the esaowcd by Jjdrmwer, and mob dam few and' esecom aw"be anFscsow Toem. Houma ahaD p umpdy finalah to Leader aD notices of amounts to be paid andcr ails Seaton, 8otrowcr sMD pay herder the Fwtde for Iiaceow Items unicu T-fit w9m Sonowcts obdgsaon to pay die Funds for any or eU Bsuow U mm Lauder may wawa Dwow&s ohWon to per tea feeder Funds Our airy or rol Awow Items ataxy time. Any su ch waiver may only be in wddoX In hhe event of such waiver.BWhawet shall pay d'0ady, when ad what payable, the eanitntr doe for airy Pwow IIam far which paymnR of Nadi hes been valved by Roder and.9 fsn?er sequkw, aW fi=I c to Deader receipn evidencing such payment within such aims peaod as Lender terry megalm Bodanre r s obUgadmh to maker such paym" end to pro+8ds reccipm shall fortm pwpaaeste dotmodw be a cevcomm and agreement watein"ha thin Sec=&y Inwumeny m du phrase "cowaent and agceemmt` is used in Seedw 9 If Bwower i2 obBgated to pay Escrow ThetaS a**. pwmeut to a wa var. ma BMW= rous w Vey do tmow t dos for an Eaiaow from, Ltxdermoy ==en its sights under Seemn 9 andpay ouch auu mat nod Baaowry sW then be obl(gated under Scedon 9 to spay to f=&X arty Mo ataouaL Lander am tawaf7e do waives m to any or tdl $=uw hems m any tftthnby a natiea goes io eeus*dattra tinih 5actita l5 titre. W0O mete savocmian,Borm+ma ?hau pay m Lender alPaWs; and is such wwmtL ibatam diem regehed herder this Sccdoo 3. tender may. at any dme, collect and hold Fm uk io an wound (a) aufrcaeat to pesmh Lender to apply tho Funds at the dme speeded under r "A. ®d (b) not to 0raaad era maSlmam ammum a lwtYa =t requha under RBSPA. Leader dwR edmwa the amount of Panda due on dos UAW of t MNI data and temmmble eodrawca of agzadlna® orfaatae Escrow Iwo mrothawise in accordance with App&able Low. TheFond2 00Im bcidin an ino6w6c a whose deposits etc instuedby a fekniagenay. (ueatmumdity. or aft (i0 IR&S L=der, if [ ender is an InWw6on wheat deposits me so ia=MQ or is any Falnnl Hama loan Da& Liatder Halt apply die XwWa m pay the Bemaw Items mo low thin tba that: spaiGed under RWPA. Leader shall out ehmge Rom mer far biddbtg and applying dim Twice, annucMy owbrAns the c= w Bouvet. at vaify'mg th0 Bscraw Teems. unlw Lender pays Howowtr iuccrcst an the. Funds pppttcabkLaw pmai s l cadw to math Ouch a dop. Unba an spew S Law ttgtdzt v intateet to be paid on the Pw4d. Latch shad vol be w4olred to pay Bettower say in nest of exv t,Bs on the Funds. Borrower and Lender cm agree in wdang, howaver, drat intsrost shO be puld on the innuu,s"jo ?.e(pAl lata?t Py. c o„a Form 3072 1101 6K t 890PG4854 Sep-25-2009 03:49po From- T-705 P.019/036 F-937 243017OSS Funds, !Cadet Sw dive to 8orronme, UrAbow *"a. an Amami arrnnmipg of tho rondo no mguirad ley K%ZFA. IF duue i6 o surplus at 1:bnds held 10 endow, at "mad under RWA. trader shalt accamt w BDIIDRV fur 11wcece9shfift in =00alacce whit MPA. It then h a sbWMe of Funds held in cttcraw, as _ - drlined-tutdrr_R85PA.•Lendes.sh?U nwiey Harrower as tegwrcd by BESPA: and Borrowa•sbail-pay w - - - - - Lcmder the wounn w aemy m mate Up the shortage is secoroamce wA RBSPA. but In so more dm 12 mandAY peymew IF IN= b a dWalpu y of I1mds Acid at escrow, an aarwed under RWA. Leader shall nwlty $Otsowa eatregdhed by BMWA. and Bottower shalt pay to leader the mount neceawry to make to the defidemayin it cotdmcewtWRBSPA,bntian0 momdmn n man* paymhass. ttpttn payamat bi full of uG soma aectotd by this Secarity Irrea meeL [.coder shall promptly rdand m Borrower my ruadq hddby leader, a. Chor9M LIM. Harrower Shan pay on tuas, asseumanms, charges, fines, and impositions aNISVIAble to the hope W WAloh can nimin !aunty nor prig Semuity ineoroesent, I=nMtd pap.....d, .n pound tots am the Pt ow. irany. and.Camthweilty Asmdanmt Dues,Fera, and A=cft mseu, if ww. To thc extentttnttfieteiv+oaewEs WAC21%Bonn=dielpay9etaisdowomcrptovidcdinSection3. Bmewar shift IIUmPdY )ge mtf Sea which has pda fgr over this Scaft frotnement aMegh Batrowe; (a) WM in wiittag to dw paymeatef the abltgWm wMed by the Gen ID a n mnar=gtablc to ].cads , but only so 10135 2SRUOwrt is pedbaning such agcemett: (b) eonoto ditEen in good faun by, of defends against &&=ca m%of the Ilan fn. Lzd proeeedlags whieb in Leader's oplaim qw m w prevent the, edfauxrttentof tha Ica Oft thanptoceufts use pending, but only until such pmerrdfngs we concluded: - (c) wcuem from do holder or die fiim an gmxomt suWactaxy w Isader amardiaming the tics in shit She OW hisowocat: If Lphder determloes that any pot or at Pmprsty is Subject to a Iica which amt =in priority aver Win S=t* tnelrinne . Leader may give Boamowcr a nodes idendfying the Am. Wrtbin io days of the dm an vdricb that notice is given, Dwower Shall aad* We lien or talcs one or Marc of ft nations actfm%abaveib this SocC=d- l epdac May agrme Banowu w pay a owAsna charge for and estate tats veefestion sWar reporting service ucccibyt eadero cotmecaioa with djj Lam . S..PropETV 111esarandta Sots W& d A IMP the Boptfvedhrnta now milk or hacafter eroeted on the P-pomy monad ag*$ bn by ft bamedt ineloded, widwu Wo term "ar mmled hmv=ge." and any odws hstonis hmlmling. bat oft 11 &W m, wftI&G said ftaoda. for which !rater ==taw lamcotee, 'ills lum-4 91mi1 be tmiate W In lbr mamma Cm*&g dadntu- D levels) atul fat due pOW& dam Lawla seq.. m What Lcaft agaireg panam to due M&ding wnteaaes am chop during tba urn of the Loan. 7bu insuameo Mn r providfmg due insanahoe 44 be eboaeo by Boaorw subject w lr13dcev tight to &DPPMW BaRaweA a t6019C. tshieb amid Ad sae be Mfelsef uroeffiamhly, lender may xcquire MORMN r to pay, in connection wide dda coon, dlhcc (o) f onetime ditago for ADad same deterodWon. eu0cat1on and nicking stxviees; or (b) a ono-&w cbuge for Bond me. dedhsmhmdon and ceedFieadon cowl- and mtb"geent ohergas eeeb GMS nsaapptOSS ar Shmbr w.QP OCenr which 1e890aatr1y mlghL affect suds detetadandun of McIffi attan. Ba®d4 Ad alto be tespowhie for the payment of any fees ia"scd by the Andesal Emaxwey Management Agency at connection with the tt+,w or any flood zema dehsadiw&nxmlting ftam an objection by Baanwrr- e1PA) ro.ort n.e• a ee,a Form 3039 11D1 gin 1890PG4855 Sop-25-2009 03:50pm From- T-705 P.019/036 F-937 243819058 If Hmrowet Am to mdnmb lay of rite covmsgey deaaibed drove. Lander may obells intarsato vveage, AL Ltsoda's 0piitut Rod 8orvwar'a exPMM Lender iS under 80 ab%oft to purobase Ray i> Wpe otdmrwnt of ooveasge ftyendote, allot coverage abate cover Leader, but wight at might not prow A Howe , Honowots apmy in dw bvpaty. or am woman of the Ptopray. againnany dak, hazard -- - - -- - or-Tiabr'Gty-and en?ght-Trvvide • Simcr-ar-law wvcnagr ohm was pv Awdy -in -df=L HoQmva • - - - - - RAGGI ledgel dial die coat at the Instansca rnvcmge so ObWwd migk vWdStondy exceed the cost of IV=== that Brtnotvrr amld hwva CURbtod. Any unmmrS by Lo der omla 06 Swago 5 shop beeomo addidoaddrbtofBoaower secured by this SccwW Immoest. these amoaow data beffi inmeet at McNomrate from dto dace of dlebi¢samentand *0 be psyabie, odal sash imaeat, upon nodca rrom Lander mHacOwertequwsdngpuyminr. AIL ;amts co poWw wcpebed by !.coda and Raaewata of such po&6 ahse to subjoa w L mda's right in &mppmve such polkl a, ftH ierlndo a standard mortgege rlwsz and shoU home Leader as mongsgm andler as an addidood Jam payee. Leader dzeD drove dre osbt to bold the pdiolra and rmewai ca9R=w. if Lm ftr requites. Bowirwa slma pmpay give to I m a rcceipta of paid prahmms and reamd nodm if Rollowwabmkd any tarn ofianawce covaotse, not odiawlw rsquimd by Lender, for damage I% or ftedcdon of. the pmpcoy, such podiey abari include a standard mortgage dance and whedl name Lmdaras marogeesod/or se an addhiond doss payee. In die eventof lees. BMW[ *0 give prompt trodca to Me Inoaranoe ccoier and Lendv !rode= mey makt proof of lose if not wader Pam* by Boonwer. Uolem Cruder and Bwmwcr otherwise agrm in wddog. any inwntmea ptotud% whcdw or dot tko Undetiyiad inso mw was legsired by Calder, akaa be tpplU to ltdiotatioo of sq* of the Properly, if the rwlaradon as ,cpun it mnnmk:dy heAble and Landers SWU14 is Got IMSSmad. Faring taeb reptQ Zed t cted= Ptrlod. Lando slyda hove she fight to hold ascb buoe m proceeds uOlLeoder bad bad es oXammity or ingw each haporty w ensure dun wade has been mmpOn se fenders ofiisbeft. pasv$w dtat each kgwAoo d a be. undwAlmr promptly. 2rndar may daburwe proceeds for the rgxdm end rcewre des for a adngie payment or in a wades of progress payments m rite work is tampiew& Unless on gpme u b made in wriliag or AppWAls Law raiders bee eau to be paid on Rack b waro m pmeaede, Lender AO vmtbo ugdlrcd to pay Hooowa any into= or taednZR On Mkb ptoceede. Prow fat peddle Slow= or odu t d6dpanie.nlnbted by Aatower skald not lm paid OK or Me fnvaromw pt =ab and *aa be die sole oL pifi n orsoanwec If tlee n3wrsdon or rgmew b not ocanomicaly kwft or Leader's secur1w wooki be krss=c4 dm inemsoce proceeds d a be applied re do sums saw by rids swwrq lnanumem, wltedeer or not darn due. with due cures. if any. paid m Borrow. Such knoumptocceda AAbe nppaed bt the order pmvidal for In Secdon 2. H'Honmwer shandons the piopeny. fendw tiny fps, neprias and scolo any evadable insurance daim and relred women. If Somwer does not rirspimd witbin 30 deys to a notice from Leader shot de inavranu tacrierbas oraed to sane a claim, tkeo!staler moy ntgoimte and scolo the claim. itha 3Usy period wih begin when On undo b givat. le d3drer event, or if Leader acquires the PropM under Section 22 or Odtawwiec. Borrower he mby usigns to lsnaer (a) Bouoweeo dgbts m any bsmance puacaeds in an amount Got ro airedtheamounts tmpaidsader MaK mar ft Secoftlawame n, and (b) my mkerof0wrowez's dgbw (alher don the dght to arty tefmd of vammed paniftns paid by Btiomwor) wider A inset in m padieira covering eke Pwpettq. kdtofor as mob tights are Gppbealrk to ibe wvaago of the Ympray_ Lender may w die Imumce proceeds cbk t to repair or w am, die bapaW or to pay amounts mpdd under uro Note of tkiv sacs tyInswmwt wbtdw at not taro due. aa(PAroi P.t•r.nn .era. w Fn.w,90.79 1107 IN 189OPG4856 Sea-25-2009 03:50am From- T-706 P.020/038 F-93T 243017058 6 0=p®ey.Botmwrr sbia oemipy. wubl2k and we ft Ptopaty as 3abnwce3 Fe6uipal rradu= whbin 6D days after do eiie uft of thin SmddW Inattomm aad" tbtnlane to ocaapy die l JDM of Barnarri s pfineipal ntmdrnce for at kas one yrm after the dew of ocefrposey. fmleu L-dw adwwise We a is writing, wtdoh consort abd not k onfamil dy gddlheid, or mdga ulenmtueg cimtroslaares exivewluchanx6eyon?.pm?t+ver'stontml... _ .._.. - -- _ .. _ - • - - - - - - - - - - - - - 7. Pamcrvadoo, h!elnteoawea nod P ak-cf- a of toe Properfyp 1DSpeef DL So== shab oat dtrmw, damoge or imp* dte Property. allow the Ptopegy m d%Cdorate Of cwmmit wam on We Property. VAVW c or ooLsorn veris:aMe in dasptopeay. Botmwar AM M*" ft Pmpodpr in order to paovent dho Property Eomo doretiotadag or datxeffiing to vahte dwt to its CDOdkion. Unkss ilia dtyamtnrd punoam to Seed" 5doMp*cr= MfiftisfwtemaomltaUyfe air'BonowarshullpfompdyM*di Ihvpanyif demegcd to avoid fi ter deft iaradoa or demMm H bu== or cond=PWDD pfaeeads am Paid in cooaecdon wbh domoge to, of the Was A Or Pioperw. Swrower shall be reVOftAle for needing or resaofing din ?opa?9 oNy i[ Lender fray tr]ea7ed 1 for each pospous Lender may Mutae pmeeab for dK rapaaa end vasoradon Sa a dngo payntrm or in a secea of proven payments m the walk is Completed If tLt iasaranca or wndemmeft ptoooeds are not un6fd= m rcpak or tenure IIIM ftpeny. Bmrower!2 carellevedoEBorroweep olf phm fat ft WMgk M of wads affair ru rrnarat m. Lenarr at im agent may metro remmohlt MR&A open Rod iwyprcdaw of die Pmpaty. If it bay n6ft ably wu6e, Leader may imp= die laWor of the impmveauala an die Piopedy. Lender shnu give Barrowar mcdceatdie dowofor pdarto wk ah iulvft hmpeeftspeetlymg each fewoDObteceuse. e,porrawer's I oau 4prKatioo, llaoawer shall be in dafaultlf, durfns die Loan app6cadon porters. Borrower or any pefmw or su ies tieft in dte difecdon or Bmrawa or with Bouower's knowlydgc or Consent gave ma amlly kdse, ndslradmg, ar inatarde infwmatfoo or amt wtv to Leader (Of fueled to provide Leader ua mmaiel fthaUadmi) in c0 Vicaba witb the Loan. haLitaiat mPrr3eatadime include, but at not Gmiod W. rrwwnv&- concerning A-weeff occupancy of d-Pmpcrty a Bmower s prindPd eaaidance. 9. hatad(w of LewdWs Tntereat in dm "arty and ll gIdo Under Ww 9ecurity loswument. If (a) Boanwariab in parotm tea eovensam iutdagtmmatu eaatdoed in Ilkh Scauft Inamfneuy IN deft is a regal pm cftg dint migbt elgrdGrnody AM l.aadWs finefeat in the Property and/or n#m under d& Sey twity riagnmea (aaob as a pmi dit in baNaaptcy, pfobeta far aoademaaaion or fmfof m for amxramu of a am woir]i may siu5t priodty over itch Swdq Luuumarr at to enforce laws or mplef na), or (e) Bamower has abandoned the BapmV. urea Lender may do Bad pay for whettiiix is naecumm of approp im to prolaa Lendet'a infest is ft pmpeny and fight; under this Sectuiay oat. including ptema ft eadlar amaeiag die vafic of the hopmy. and ammfng andkw reptdring thobaparty.Lcaaha"6 ucom i on iweludty butoe wasmited am (a) pay'm; any aims mimed by sL&n rvhhii has pamity over dfie Setoft kaftumcnr (b) appclfmg in eouM mW (o) poft rcaMbfeamn-ye fees to paorot t its b scat in dobvpafy imd(ar4ow dmdlr Wa Soadty boomeat loclu ft as Seemed Padden in a bm7aupzy probing. Slowing die ftPaty bu lddw. but is nut swdted W. cnarinr the Pmp m to mft fapaus, change looks, npiwo or board up doors unit whanws, drain wmer from pipes, ellminme handbig or utter: coda vWxfi na at daas=w CNM!Dns, and bava Imlitiea amid on or off. Ahhmtgh I zed a mg ift arum under ttds Sredoa 9. Lender does not hero to do so and is awe under any dory or obligndoo to do so. Is is agfaed that Leeds ioc mr Coo IMMW for hot tatting any or aif actions owhmind under dds Stxdon 9. urou.: ?N 9(PA) 108071 P.a.e of w Farm 3030 Vol Sep-25-2009 03:50ps From- T-705 P.021/030 F-937 aa3817ose Any amounts dhtrutyed bq Roder ender mis 5eeoon 9 shall become addioonal debt of sanowcr reamed by dh$ 5 jI1RItitL ThCJx nmeamts shall boor ialshg0 m Iba Arets me f.W.. d.., ,lase vI Oie6maement and s1m11 b0 paYsbl9. a1tH sxh inla?t, neon oot3te From Icttdrt w Bom?ae tegaesring payment lf"Settteity inetttunmtls on alrawhold, Bmmwa shell wmply wills au the Ptq+dmt oCtbalaMm.. -- - - - - - - --- - - - -II-9:=Mbmmm Drquirra f6?tiee-lo tea Propr?p'? t6a7oId snd do fee due shall na mecse unless Lcnerr - -- - - -- - aserpay aking dm Loan, HpaY tegtadd 0 mid" the NOW bounce in etka A rar my Leman, the covaage tequaed by Condo e mm m ba avm'i" [mm um moomo inautct that pravim * Pmviidcd sock hWAitoe and ]iM*ww was trgtmed to ante sep=Wy "gated paymeam toward dte Pm0unm9 haManPP Ua rmet, BOOM& AIAPay tbapmtmlpma nq*gd m obadv coveragm 9ob6tan9e4 %vivelaat m tbo Moatgegc kn=ee pceviatntlr is egeM u a cost nlbsmnMy equhmlmt to dte WX to bmwwcr of [be Mortgage 7amu see pmviaydy as mtrat, from ao AheMala monme ;am= sdmet d byfr?det.I[ tubltaroiol(y d?eyvaleotMmtgags 7atmomnee wvaage i9 not uvuleb]e, 8otmwer amn cmtdnttm tapay miemietr the amaaat ofdleselmGddy puymgd9 dial wos due when the insMaome coverage edued m 6e is effitr[ Linda wl6 ooQpg tpa and ag8it? dlex payaleats e9 a aoa tOfundablo Ims resavmbdlieOOFMortgoge7mmegca SackbOlehuavoah9Ubeooa{efund461G Motpmhntntdbegtheladdo dhmLosst ;s ulmdttely paid io tu11, and lendtrsbo8 rot be tYga6ed b pay Bonnwa any iotorac orcernings on such lose ratatve Iaada eaa dda longer requbaltuasesavcpaymadti if Mmtgogefwt¢mtce cam-mc (m tee namentana for dw period thatLeadeadrloinw) pm+ddedUY eA inreru 9elmelmdby I ender again becomes avm7able.isoh?ainrlt,andLeatlgregmms?aamly d?ncodPey?„cygmwaodtbmpremlvnutorMaMgagc )nnrmm V I?mdtr regaimd Mangage > as ¦ c"mm of maffig the Goan wd Benower wn9 dutalted w M*o sepamrdy dh aarmd P9y"ho mataed do Pratilm far Mo?tgage haru mem. Boaower almdl P`Y dxynat?ums requited m mabltobd >llnrtgaPefomagce is effect, of tb provide n nan refandablalots weave, -tU Leader's tequamm for Mortgage Lcvmoca M& in dmamti m whh any writsmn Wme,eet beriveAt 8truowa roof Lmttdot for such tet0110116a or U09 tesmbmdon is agabcd by Appdceblm Ism Nalhiogin dos Seedan i0 ema"am wee, owswi t dO pay fndrewatibm Lem pW ddal in the Nam. MQqW incut if Buvraooa sonabmaee Loafer (or my aft *aputt mw dtmiW &r aertaitt lasses it may Matlm ham e um W* and *t ml an no lm m=ja ma fmm t ms m lase, and may ao leapt and moadidpms dWt ?S?Im ar Ime?fy (hCjr f'L7r, at3edlfrA)a?W? 2hex aglCGmealr a[a haadegmcy to des mwqW n1mQ and me>dmr parry (a p W=) to daze the= r ?ln rgmmmb Yro CIPOS dm MMIPP h=w10 mdbl peymaus msmgany Mum of &.& 1??) MAY hat (Oft may Ymb& tmede abwloed foom Mangage Lam mm AS a asukof Olen Agdameaa. I cadez fewho C Of dbe Note, madw Insurer, any vakwurv, my athee city. or any ml thou of spy of tee , may s"ve (db=Oy or 1 ) amomu that dcme 8om (or adgfiL be dmmotedmd a) a portion of Bmtndvot's paymmis for DdmWp nnMaoce: In ho[eitaltge far 9bmmg or mmilfyiog die mortgage hours da% or reducing looses. if meb opmramt p wAft d vt ao aimbw MLaw" Elmo a sbmn of no ftw1mrs ride In accbwhso for A Am of rho prcmnuns pall to um inert; da mmagemtmt is aBm tamed "apdvueionmtmmtA' pt n&= (o) Arty 906 "POWINO all last Wed the eemasnts that Borsawar he agreed tip pay ror Martgage7osnnmM Or ArW Ober Items of dw Lwa SOAK agreemem9 wld not iaciew the amannt @orhmwc vdg Owe for tt Mpgek ==c%aed they wR Oatenfi& Bwmwdr to arty ntmd. laitwr ??- 4k-dPAI 1-we V.I. 0.1 is Form 8009 yeah BNt890PG4858 5ap-25-2000 03:51pm From- T-705 PAWNS F-837 a ={3817030 (b) " ouch ageeemeeb WIN nm AM4 the rlgrle Ilarcsawer bee . 9 any • !riot respect to the MongoCalasmmanaunder6reSomeowoena» a,tartM or soy other %w.4tnxcCif buuV ladude the fth to reeds: cmm ed sdowty. m regae9 and Ollwa caaadwa of to m tpce lasoroaq to have the lldmrlge;o7eea le m(oslyd au6D m**, eadrar tonWn aretemd or my MoetEa_?r?t?s0u>t?aeaeeocoe¢gtlhL?eafs?cap?e4ntiottw!.-.- - - - -•- -- - ---•-•--•- --••- 1 1u??! ?1 p(?-Fnatwly; RmUfn?M an NBne>k+neou[ Yroseads an gwlsl? tss:igaedm saeubeppyyiiddmLeueeies li IdePrnpary 19 tgamged, lain Is?oellaaetatn Pmaed9 ebeR be nppi)cd to resrorudaa euseptlr of the ptapcny, O ft numation arc** h eeasomimDy tease and l? &essewrby is not h? Doling each repair mA.Ww dw puiod, Lcaft shall Anse the lot to hold mch MWOMWA Red- & unn7 l.radcrhas had a apposaia?uetyyr m ioV tetdbpiopaty te corMe the waac ban bee- cotnpleatd m Dendu's so6fieeumri provided +da mS ledspeeaimb abObe undItutahn ptw".l.ettder may pay be tgetepAs and "Milian i8 a smE(r. t6sieer riewl ar im s ecda arpag"Mp aw"W ea the wade Is wmplmsd. Onkss AA agrtemeat b teeda g wsitatg er APAVC* claw xGqu trl iRteaeet to ba ptdd on such hesudb wts Proceeds. IendecsheRemtbamgtdredMMBorwowaayiat-31:areadfillasMrbluQMftemlePt mcft.IfSte msernties ortapair b not canoomiaeDy feetIDle or .==Ws MW W waaldbe katmcd, due hfizdl®tcous Pmcvods abet! be sppLed to die sumo =w- dby d* S=oft IQMM uL wUO= at Rot then dec. wish d o en ca it my, paid a BOmmaee. garb L ntmue Pmoceds Shag be applied in tba onmt Pmvidm for m Section 2. to ohs Grunt of a MW WNW, desoucalk or )ors In valor: of Olr-below. d, NTuolflacow hacecds Aellbo applied to dm rums winced by"SmTfity bava tmt, whdhrr or mot them doe, whb the au=.if any. paid te bum=. To die svem of a Fhdd inliite dee8aaie% or loss In vabte of the, Ptopaty in wh-ush the fair Mad- value of thepAgft y $enmdieralybe@au die amr" tdYing. dmmd mt. orloss in value i9 equal m m• grsarr an *a mom of the sums Metaed by this Searttity kmaamont immpfindy b:fata the Pardo] utddtg. demuct(an.orlassmvolum d wBoaawcaadleadtsatlt m4wagrosinveiling,tgewmsoectudby W Sccwiry I geinzat abaa be tedaeed by dw amaamt of dtc Woallateoar Pfomeh mutopl(ed by dta fouawmg &acaom (a) fpt: poM1®motmtof?sta?utttsnredtmeasafiffieTgbetMe tbep-kd wins. dcOwden. or loss in ragas divided by (b) the tag ratabci nails of the Pt WW knmrdimely befom the pmtisl Wft. dca mitm,wlmrisvetmt.Aaytdooedd0bepatdto8otmwec min, the Mu of a palld ukb % dmatttatoa, or rase to vale: of the Pmpaey in wbid the fair market #dbe of the Ptopeny immd dit betitre the p xaai Rdin& ti m cdon, or loss in vdw is less dim dre ww=L of are m us secured immcdW* 116 -1 the vetliol niche dulAIWnn. cr lass in value, :mess atnrowar milLg idtr O$MV M age is Waft. dM ludem:Omteow h=reda AW be q%WA to the SUMS scared by M Security Fe?ammtv?etAcdr-r dasum na ibco am >r the ]rtopmty la Eby BotrowQ -if, d= notice by Iradts to Bmroeetr that dun t>pposing party (as defaad io the oert9culen? otSos to ::clue am award m lade n :dale fin ttaerevpex ]3onower fads to seayaad w Latdot widb 30 daps titer 60 dare Bee natil:e h OVIR. Lends IN ANIMMU d m CDs= and apply the Miaoe'Ifmteotu>'tocccda etdtaroreno,apom or lq%& of ibm pmpaty or to dic scams sensed by tbla :Swift bnvmmt, wbaircr or not dm ales" 100aabtS may' mate do dr)dd patty rbat awep gwmwrt M . bean:I%umb Re rbapa y 20-meu wtmm Bu mac hue a ftk of man io tegas to Mhccmneow Protxedr. llanower SW be in ddWr if my eclien or pmcw&g, wbww civR or a i n rok is bc6tm alert. )a Leadz'a jadgwoe;.eanldmsnli.lnfbtfehorea7tht:P[opaty of adw waWat hopdanMoMwela'sinteaat 6s tbeT3opeay or dggte eaetQaei9 Saateigt7n9omamtBMratta tm eeae etrb a drlaeltsed, iP seedeeatlon bas O=Ckd. sdmRoc; m ptOVWdin 9ccftA 19. by ""US Waatiom or p[omcftg to be di inb:ed widt.a rating Butt, in Ixuder'e jadgment. pmclaft lbrfeitae of the Pmpmry M Oil= muitetial impairotcmt of WIW.t (R•a(PA)ladon P•r•.oarw Fora. :029 tlel 9KI890PG4859 Sep-25-2009 03:51pm From- T-705 P.023/036 F-937 - I 2438170SS Leader's iNemtm in the Pmpmy orx%tts undo this Smeay htsutnittmtL Zltepmeecds of my award w elr(m for d MMm Onam aetn'6n®oble m du oayaiment of Lmder's intemat is tita Ptopaty era hareby arngned end ybdt 5a paid m 7.atrdrt AIt MLlCE9ata?11S Ferrets that ata eat app]ferl m ran Or tepairof the Pmpeny shall be Appl(ed in theattktpmvidadforimSection 2__ .._ . _ - -• - - - - -- -- - ---- - -- oriiw -.W lrasedi Farbuaraaaa By Linder Net a Watvrr. Pattaresioo of the dine for paymmtor modUuadon of amea'aalioa of do: sums aeawedby dds Swm ty la mtm m granted by Linder to borrower or any Stecassorin UNIS 8f 8atMW Brad mtl npnate in rrlrasr fie Tublity of bovowar or my Satccvwts in Imraa OI.Bmaghygl, UM ff AM 1Mt in n> OVA m tYtmmrntr luocordinga 3110b - mtl' Suarasvt in Imemat vfDmwrt or to tefuat to mtmtd dmefor paymcot or w1crulm n xWy amordmilan of rho sun ow wt by tbia Swudty Iri m mtby reams of my demand etude by inn a ftbd Borrower err any Sumeasurs in Iaterm of Haarom Any fmUmce by Lcadar In exacdmtg my rlgls or smhrmy Including, w4mat hmitadon, Linda's aeorptamm of pW=ts fmm dead persom. enffm or Saorrssm in low= of Donow cr or in amounts has than the smmmt dteo dot. sttan ambe a wawa of yr proelvde the bmmisr ofamytgbtor ?p. ?? 13. Joint and SevLtabmty: Co4aeeeai Samsmse and Aidgm Dau=L Hormwateovenants and ogca that Boatnvicep OUM d- and lW tby hdtn8 bo *a and coward HowavGq any Bootowcr who oa-e(Sne d9s Sm-ndW ftirument bat dots nor execmn tlt Wore (a'co-signet" (o) it cn-eWmy dus Sm ty lorampmont only to mmrgago, grans andtAr ey dww-aillm s saraom in thePmpwW underr do cams of thin Smoity bMumcca; (b) ie notpusmtally dbroted us pay rho sums sramnd by ft SMUIV bst at"m and (c) ognzs that Lender and any Odmr Bmraafar am agcoa to extend. amdTy, focheor or taaYa any a=mmndedana whk regard to ft umm of dtls Security Ltsumment a rite Note widtadt ibn ca-signcrs constsa Sobjca to dta ptovi dom of Section, 18, any $ereCrStariq Inatt09t ed Boaawar why assumes Htmawu'4 abrViatm mtdct firm Smurity bommtent in wddng, and in approved by Leader, abets obtain all of limmwrt'a sighm and bendua tmda thin So mfr InMWML 111WOWsr Ch& sort be trlcruwl Bum Borrower 9 oUpbom lad fifib br mtdrt d b Security bmumma udw Eider ngctcs to m h tcirasa In wrq" Tim tmvmmtw std agiEeahwts of WN Swm* bmbutnant sbtdt bind (arteptas pmMa in Station 20) and bene6tttuu=ssata nod asdps afLeadrr 14. Lean CIMCm. Lends may charge Harrower &rA fbr se W= puff mad in txnaeedon with Bonowars dcftlk for dm; pmpom of paoax I.aaW& Jo cant in the Ptopeny and tights under this Security 7nt Cm ixawbq;, but amt row m, emomew far, pholanN itmpeefi- and valuedon foes. In aagurd. io my othm fora, rho Am= of ottpma authamity bn dib Sma m# btsamtmrm to ebm(,w a apecMc fee to 9oaowershag. notbo eanrrmed as a pe nis m The eb qft of oLvb ka Lmda may not charge fees thamt expla y ysobMWAby dtb Sco mbylnsmuaeot or by A l ikLaw. Tf tbo Loan fi.dh)! t m a Inw wbkh mm mmdm n lows and that stmt is GaoDy bacipsaxi m chat dtn inlerest or other loan tdm%%% tolleaad or to bo cdht A in coup dos wilt the Loan earned the parmMad llmim dm; Gil any such Joan charge 90 bercdutadby dta mmtmtncttsmy to reduce dm Ono to the pm imed 1lolih and (b) any name about adlamM ream Barmwar which ryaaodod pmtttlted Hain will be rurba e3to Bormwm Laocr may, dchoose to mfr thla sulbus by redacing rum pliertpal owed adder the Note or by maI&S a &W paymrm to Mpiypyig, If tl Ub d IdmOt49 miardlWl, ttta Irdmina will M uc,q O as is & prepayntplt whim my phgpymmtt obwp (whoOm or not a pmpeprm u "a- ie IffAytdd (WnnelrrdMNmr) Rvnawar'toaoepmMOfanysunltaefuadntaAe:byb..4smy.nadwDuuawu Will comdwtc a woivar of anyslsht of acion Bhmawcr Wdmhwa wWmg outof such evaoberga Won, &411- %-C(PA) p.a-a P.p 11 a 1o Form 3030 1101 gK 1890PG4860 Sap-25-2009 03:52pm From- T-705 P_124/036 F-937 243619059 I5. NWiees. All oadced shmby 330=WCr-L-lWis wnpee9011 VA*"SccGdeY7atuumeat miner ba in W;WMg. Any Doice a BOMMU is caoseotiea wLh pia Std ItWOM a AIR be dtsaord m huwa been given m SGOO G when ma0ed by first clam mail ac wbra VAN* ddhic d m Boaarw's rmdce addrm if not by whet mane.161be to 3DP co 8tmoanet dM DQHldM tmdoe m OR Boom" Mara AppWAk UW Cxp C*.nkubel.adetaise. The.aa4cc sddmm sballtre do Papagr_Addtm tukd - -- - -- - Boitowor has des) aw-d a 9alltl am naft oddme by aoicm to Linda Boaowa dAR pmmgxlY 1000Y LWftofHootowCe6ehgoseaddtess.liLeader specifiesApaeedraafos tra?Eown s?MS of may addtess, &A BOMMU 0" only senaat o cbmso of uldtws duough diet ? P ody one dexlg0W sodeettddttsm umda &h Scem[ty Dauumntatssawryy ona Our. Any nealm iolQader *a[r bo gluan by deHusdng it or by muMM dtby fact dm mal in Tat Wo addw aloud hatopt U&M Landar has dr9 lpW ano[heraddtess by andca to Bmmwer. Amy n*Omia epmw c0W 4ah Ob Seco ft b3muarot drollnotbedeemed mdmvebeeagiven mlatdcroaalwmdHytoccluodMLeoft-'rfuu mdeotaquavaby dtls Seao$y IasRnment he also tegplmd under ApocdbULaw, da App7rabfe tam roquirmumt WM sanely the eoaaspoaddinmgg rcqu=mcnt antler dbi11 Sammy bust auneal. be governed f6 Goveaing Lots; 3eYrrabrlit),11ab of CamPtracrrma.2bls SamdtY Tias3noben! ebaU . by Wool low and the low of the jmmdieeon in which ehm-Propaty >Q 10MA AN 1100 and eApdads conmiaed in this Smusity Tntaument nerd mbjcct to any t wlaiav f and Sa bd dam of Applicable Law. App"Ic Law night vqM tly or ImpVtW Wkw the panda m agree by comma at k mlght be s war but ymeb sr7mee shah not ba UxW WCd M m ptohu7bmoo agaioA SgMCK by OCOMM w sash aCORW nt that td nyn? provision or clsaaw of [his Sowdry Jos[tumeat or du Noce conmets with APPSMbk not affect Doter ptovkions of fib SCCW* Imumea t of the Nom wltidb can In puce *sba vfiftut fie confining provision. include and A9 used io dos Seeuto Insaumeat: (a) Wade of *% mmcu]ino b'?er blball toner r'aataspending newer wmda or words of rha funWm gander (b) woRb is an Angda sW mew and Inch* drepbad and vita vapa; and (c) the word "may' flirros sole dkemdoa v tins t any obIga m to tekc 1?7.8ortowWsCopy.BommaMRbegroraatcrmpyofOmNolcandaEthieScalft tDwmcat. I& ThWer or the Ykapesy ar• s 8vael d lydurrst in Hovroww A9 Wed is dud SwSba 19, 'InkrM in des Pfoptaly° a>?ts eery Wgd or bencWdl iautca in c6a1'to xw. inebul ' bog sot lmr[ted to, dwso bawficidl lntemm muntetrcd in ttb0nd tot da4. . fi' deck lagogmamaet s rmdodct or esemw agmi news. den lad" Ot vdbich is the ummsw of dde by BDeonwerat a Ba®e dam.10 a praabmeL ball of nny paA t,t the or mY Iatumeec fa dtaYmpaQ fv soma ? trsae6mad [mr ffBOrt011vtsis nota n=od person mid a bmfidtt (nmmin BormwaB seldor mdnefaaed) wMantLwdoes pda wrinem wnw". Lcada may tcqubm inuasSaw psymm is M of A sums mooed by [Ws Sceaft Ins[rmnmg. Howom. ibis option shall notbe aeaised by I tod if saoit acROiseiv pW%%I AW Apps Lavl le L=O&. eat J& mp,L,a, Laala atadl give %mown rmdca De MMAMUda 7ba a.&- a621 ptovWo s period of nog less dun 30 days hem tba daft ire satiec in girwa is acmniance; wlth Secdoo IS wnban wWb Harrower mumpgy oU sane smucd by dde See mty busmbmcm Ngm mover Fags to pay these sum prior to d[a eb*adm of ids perfiA I vidur any invaloe any acmar= penile d by tilt Secantr Iasaumr+a wrthwu {mdbnc nonce a demawd err BDaowe? 19 DOMMIt's 81gbt to $dadfatr Meer AarJcad am If Boarmwa accts Derwin coodidans. Bo=x%Mt shell have t MjW to have mfomeamtof tine Secaft Lbauumeatdueaatitpe? at rimy awe pear to the emdiest oP (a) An dep berme sole of 1de hopeny pmanwt ro esy paean of sft conmhnd in eels 5eratiry taesuateat; (b) sash diaXpt7oad as Appllabb lam' anghtaptxBy fnt t1q tt7samanos oEHa+mwds right m win ate. or (e) entry of a jw%went enrmclug Wa 9aatfty ln3VW IL 711050 CUTOOOas aro Seat 13 ma vm (s) ys LrnderaU sums which mien would be doemdet lda Secuft lmmtmeat and dm Nine as if no recd an had ocutrted: (b) cares any default of any ad= co*twtts/oorr Wmeents; (e) Pays all msrr: r?"" ' 9WIPAIra01 rv+aFarm soda 11189 gX 1890P64861 Sep-25-2009 03:52pm From- T-705 P_025/036 F-937 i 243817058 e Won incurred in ebfotciog mill Sreatity Insawr ML int hil iog, but Dot bmited to, reuwuable aaotncys' recs. proporgt Jatpeetibo and w Aindom fees, mud othm fora wcortcd. for &-- p opm of protecting t.rnda's inWen at me Propnty and rlglae under this Swxity IMMUMM sod (d) Ud= such action 89 LmdR tray reasonably tegttus to arum that UndWe Tatum In dre Ptmpcmy and rion under dds Sc=ky rnmentam -- • - -- - -atul lttuMwta's ahllld -in pay dm mmS wpuml by this 5rcatit9 Ltemt=E rhA tondnw-mal-mod_ - - I coda rosy n grocer lbml3wowa pay=* celaei =cntsutss end expoom is one or mm of dtc Mowing forms, ar odetted by Lendm (a) rant- (b) money orda: (L) ea fied obeck boot clank. ummuer'e check or cgdWs tbock, provided any amdr rlurk is drawn upon on luftdmr whmdcpoaiu are Inserted by a federal agency, immrmemnhty or tyldiy; w (d) Beetronic Fands 7taWer. Uban rthin=ment by Borrower, this Saatity InwomNtt and ubligoriotu =wed hereby droll cemaia My cg=d= sac If np eaxlcrotion had occurred. Eewevar, thu right tortift" d&oot ntpply is mm case of atcdetstion under Sitdao l& 20 %h orNoh: Cbmage of LusiL Servlcrr. Nadoe of Gsieraatm The Note or a pmW law lm the Note (rogetha wim M Smudw Ltwomm) eau be sold one cc male rimes wittotu puormluee to Bonower. A sale Wahl am& in s change in the entity (browu w the `Lome Suvioa') that cog= Ptdodle Psyornu due under tiro Note and Ibis Seca ft 7eetmtoed sad pelfmms other mortgage Joao meavlelog abligttdons undo the Note. thb Security Irt9b7aucut and AppLcabla Lev Mitre also aught bo one or more changes of the Low Smvioer tonralemd to a sole of the Trots. )Fdwo is a change of dolAon Stwtdmr? 8effiower win be given wriftm 1206o4 of Ate dmngo which win elate the name and addtew or The sew Lam SCM=. dtc address to whitb paynterus should be made and any other informatim REWArequim In taane edoo with a mdse of asaafaoraavitbrg If din Nemis sold and dmmaftcr dtol.oat b stavwoa by a Lou Servl= other man The proebgarr of tho W^ the mk%w loan savnnle8 obfrgatlow to Borrower wi0 amain with the Loan ScW= or be ttansfeced to a avow tarn Servitor and ate not, assumed by the. Nato pmehow unless odarMseproAdedity UteNote purchasmr. NO= Hmmwcr nor Larder Imp eommunam, joio. or be joined many judkM action (as either an individual Tt*wtar deer membee of a tdaw) that .rats from the omen paq'a acdobs pu mmt to this Sentr* In-, cote that alleges dial meudua'piety his breached any pmvictm of, army duty owed by dawn of, dds Scomity Irmommenk u misach 8omw r orl ender has nodfled die otherputy (with such nodes given in compliance with the roquALtapd9 of 3t dou 15) of such wegcd borsch and adlapW the other parry bosun a reamoabk poiod ahor the gift of ankh nodes to take cmrcctivo scdon.If Applicable Law pmvi&g a time period Web mustdq=befom =mm aaimt can br-Wzv. Omitdme pcdodw XIn demoted m b0 rt wimble. fnrptumce of this pmagcsph. The nod= of arrdastion and oppormsby to care grvm to Borrowtrprmuatt to Smoak 22 and dre s odom of au idicni a Wee to Bon9wer piummit to SmSoo 18 sttau be d=mcd w sail* the oooceand opportunity a teen eamte dve action pmvUow orft Sccdm 24. a Harsrdems Subsmatm, An used in unit Sedan 21: (a) "Aomrdorrs SabsmneW am nose submaca demoted w undo or hazadmx substaines. podnrm .% or wostm by Bwvbnmrmtd L w and the fouawi ng mtbslances Seseline.lrename, otter Aaamable of trots pemaltuto pwdo=. toxic pesmcides and herbicif, voledle saWenn, MAT-- ty mnWu tg ubet8ms ar Smemmldehyde, and rediaaehve m-difi ; (b) 'fiavnunmeoml Law" Damns roderdl laws mud laws of me jroiadiodes utters ft Wopcny is totaled time relate to hcallh, sm&w or envboormial protection: (v) "HwA memmod CIMmIP htetudos any response =don. mmcdlal action, or removal action, an dcgmrdin BnviroNa=W J.M and (d) an "Eovkwuaeatat Couddon moans s condiden dmt tell eaurc, conbibum to. or otbetwite tdgga an Rovironmented Ckanup- mnnw t?L 4%•atPA) to on Pw• sai.o Ferrn aa9a 4107 8K 1890PGhBGZ Sep-25-2009 03:53pm From- T-705 P.026/036 F-937 24303,7050 Ponowts shall not coma or permit the praseace, use, dbposol, storesc, or rdeate of nay Hazardous Subetaofia0, or darutca to release soy 1Turardous Setbetm>rrs, as or ba the PaVeay. $cozawm dwell not do. +tm allow enRym clue to do. anAing Awacong the Ptmpov (D that is im riolauon of Bay envirvwneoud law, (b) whimb criance an Eevtmnmrmat Conaitiaa, or (e) whick duo to the jacance. ax, or Meow of a xmmdoos g96rmnx, mates a raatfieon tlmtadvcaely etFocrs dte vadte of dtePropaacy_ ifia picad'mg two - - - - - - - - - -• - -• - -or,r?? .-nh.n-Sun-nrotr-rn-pRf - -ttsd Ot tlIC of 71118D - }?laf?011- - •- - •- •- --.. • . .. • Other acdon by tarty gore Hmaedout Subowes of EnvironnuMMI Coadbdon, release of any HMO= 2tmordous Subrmnce whit any govnruaWW or rMt IiamrUoan Subataosa my. ttcdaas In occludanca wilt Env W -U-U MR* CD 22, Aadtratlon; Re Horrever'n branch of to aacelerNOWmadac of, -OR Other thiatgpr (t meat be cored; and (d)1 gum secured by Sk Sea Lads abaft farther We to the. faradaaare prole, aarr?eradol and fore" indaudlate pttyotwl fa fol may foreclose Ibis scow eapemm iaee red In pat aemneys' fete and casts t 23. [[camel; Titatm IN yr+ to be c On to tpmntwrs at s approptrare lttatttat taus and to tneiafcnttoce of notlbtoltod ta. htazatdonI subwatzsin eon9Waef pmdnow), !y JOGLemh: wdiuea Doers of (a) any ioveaagodon. Mot. domead, bawau7t or vam d u ngalatory OgG?y or ppyBTa 'et lawaWm do pt" and an Hnviroatnemdel law of whkft ?Boaoaet hat Wind boa A6.. (b) noy eluding but MR Grnitod ta. apltrirag, lraldn6. doclono, rdcasc or Oran[ of Substance, and (o) any Cott ca end by Ma preseoea. an or refeoa of u adversely aflccdc the value of the Property. U Bormwer kam% or is oohed by cry aume iry. of anypeivam ppaerrttyy dtotsoyremovel or othermacdIsdon or any ag CbcAOpa>;y is nccwmy. Hooorrda: >1teA promptly take Oll.nocal0ery rmtttad's'd lnvironmentatLaw. Nothing beadn shall tremo any otdtgtpoo on Leafier far an NANn.Bamwer and Leader totdw eovmaatand agroo as tof own: naft Leader [[ball ¢t+e clothe to Bonwec prior to awdersoon following f Covenant or aptaacent ht 06 Semdq Inmtmeat out no prior to 16 trtdma Apphdsbio Law prowldea afberwb* Leader aha0 notify Borrower tlw tttlauk; (p) the aeGah seq*cd to tore me dwatdc (c) when the defaw nt tafbbre to cure the ddatdt as8pwilled may aaoh in aotelaratlon or tba city TcMnaent, foreclosure fry jndkW proceedieg and see or due Property. o gttrMW of dW fight tarebOBtale Idler acce]te'atim and the right m assert lflp the MR-a blence of a ddatdt or ether ddmet of Borrow to re. H the ddank b an caned no spailied,Ltatder at fts op" MAY ragrore of all poem aeeeo ad by ebb 8t eutityblaatrtsmeat vdlboat forrmr demand and y hurniomi by judk 1 pYaacdlu. Lender ;0;s be nd*d to [agar all the praw In ka SNOW A fa wd but not United to. due cvldm= to at e.&.- panwed by rmatt of all Maas ? bYY We Sc=iW?La? r: des S=aity Inunaaaat a tmntlomc and become vofa. Afar mwh of , leader AM dWo rge and anL HoaowerAM {?9 any tecodulan cmm Laadat may charso Htmowara fee RIMICK loot? sy 1t due m ie paid. W a third pony for wvim rondered sad Oc daetgin GUMfeaafepennhwdtmd -"Vk tbb7Bar. 7A. Waivers ]loao9av, to dte "t-t pcrwMd by Applteabb Law, vadvew and rd cam any error or detects is proroadbtge m thb Seeujq f move stet and kaeb)r waives the beach of ray prom[ of o numb" paavi ft- fursmy of caccown, ,.......:,„. of time. eatemptaon tram anadanea4 levy and wdr, and 2I 1Reh= mM 1'{K 80)YGltfii'ip? 01 fdlhA4lq; tgtlYldrfi iN 9trrinn 19 thwli traced to ON Boor poor to The commencousc l ofbIb lZ IL I shai 3 sell or officra a pmsrant m this Secu ft fmsautnam. 26. Portbase NOW Motlgage. R ooy of the dde seared by ftas Stsaaty losmament is feat to Bomawa to aegaba 6Da m dtal3apeay, this Seardty lnrautaeatahel(be apatcbeaa otonay motr6aage. 27. x ucit hate After jodgatuL Emruwta agtem dent the Ink= tee ppa id& e9m• a jttdgmcat is emmrcd on the PTote Or in on teAgn of mongtage Ib ulosate shall be der nM payabb from rime to dme ender - - dmNote. - 4R-BIt'A) tom P.e.,• oe as Form 9009 1101 UKI89OPG4863 Sep-25-2008 03:53Pm From- T-706 P•027/036 F-037 943927058 BY SiGMM BEIAW, BUM- =;M and Agmcs to ux MM and wvc mntl conmined in uul Secudcy Luavmem ona in eoyRlder exxuralby 9onowa an8 raaded wlu, it WILLZnH is COEr$ (sea .Bortown - (Sr4 -Bortaner atwPAl pwal) - (Seal) (Scat) -11o?sower -1SOm?var ($CaT) (Seri) -Bmsows Eaprvnrlr (Seal) (Sod) EofNMCC -natsow[f r¦e. is m la Porn. Soso lfol RK 1890P64864 SOP-25-2N9 03:53pm From 1-705 P.0261036 F-037 sci ae?enrr. arc as ti-s L-WI N6 DEPT } 91717652H48 M.273 V82 - - - ------- ------ STATF OF PeeNaS yI'?"V-- ) ) SS: COUNW or at 0n dd8, the z dny of Q-PLl, ,A . 2004, before rne, a Not?'? 4)ic, the u d ,goed officer, personally appeared i ?!i known to me (or satisfacmn" ly pMen) to be the person(s) whose name(s)i9/are eobscribcd to the witliitt iustrumont and acknowledged tbatbelshehhey executed the same for the purposes therein contained ns WITMS WFI BOP, I hereunto sat my had and official seal. my Commission Expires; r t.NmovityrPUMC BK I890PG4865 Sep-25-2009 03:54pm From- T-705 P.029/036 F-037 I ma. a. o:ac raj UOfe' 111L`NLUU4 .. _ Order-Numbez:. 000085086 .. ft£: WILLTAT! GOETZ --- ----- - 375 SAINT JONNS DRIVE CAMP HILL, PA 17011 CUMBERLAND county EBBiBIT •7L' ALL THAT CERTAIN tract or parcel of land and premises, zituater lying and being in the Township of Bampdan'in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin an the eastern side of St- Johns Drive -- - [formerly Point Ridge O-rivel aG the cornex of lands now or rate of Kurvin W- Lauer; thence North 64 degrees 59 minutes East, along the same, 206.40 feet to a point; thence North 25 degrees 01 mindie west, 7.6 feet along same, to a points thence North 64 degrees 59 minutes East along Lot No. 64, Revised Plan of Section No_ 3, Point Ridge Farms, 88.28 feat to a point; thence South 29 degrees 39 minutes East, along lands now or late of Barbara Rogers, 232-35 feet to a point; thence South 55 degree-9 50 minutes West, along same and lands now or laic- of Watts, 251.09 feet to a point: thence North 33 degrees 11 minutes West. along the easterly aide of St. Johns Drive [formerly Point Ridge Drivel 102.65 feet to a point; thence north 40 degrees 7 minutes West, along same 168.00 feet to the place of BEGINNING- DR 251 PAGE 3712 PARCEL 10-20-1846-115 ? Certif;• -::i ; !r• !,,_ ? r[;,?c,r; ?,d In CUR; r, ON! 89OPG4866 Page: 5 of 5 Oraor Number 000085088 r ' i Sep-25-2008 03:54pm From- T-705 P-030/036 F-037 9 43 83705 8 ADJUSTABLE i1tiTE M^-^ (LIBOR 6 Momb bdex (As Pablisbed in'fbe Wag Stmt lomrwD -Irate Caps) --- -TmSAri7II5'MT,EUTBR.ID3Risma&this 2nd day of DWCmWrR - - 2004 , and Is luxq Aedhm tmd sWR be deemed m amend amd snfpiemem ft Mortgage. Deed of Tt1>St or SeCU ty.Dxd (ft "SWJ* fasaumcm'} of ft aamo date erm by the -&a gird (dte "Bntmwer'J to Rrom %rrmurr i AdjmanHr We War, (dn "Nam") to CZR= Horst 6OUTM CMAW. LLC (ha S mdca-) of dic mm date nadcavmrhg the Ptopeny desaD=d in ft Security Iasttummt and lwadtcd at: 37S OT.JOW onxot. CAMP XXXM, PA 3,7032 IP,Wm MI-1 TW NOTE CONTAINS PAOMONS ALLOWMG FOR CSANM IN TUC IIV RRM BATR ANA WE MONTt V PAYASENT. TM NOTE IMM TM AMOUM TSB BORROWWS M A W RATE CAN CHANGE AT ANY ONE TM AND TBE MA3MW M RATE 7M BORROWMtMf)STPAY. ADDITIONAL COVENANTS. In addidaa to the wvename and agramcam mmdc in dre Security fimumwu BmmweramdLmdarSadtarmta:mmamdageoafoDwss A. I47TRE& U= AMMONI HLY PAYbVW CBANMS This Non ptovidet for mh id d iptereat rate of 7.ZS0 `A- The Kate pmvidrs for dbamges in dx imtaert tare emd.Oee tnote?igtoymeots, as fouows: 4. ftt'fEf2L> kATEANDMONTSIt.YPAtOVMWCHANGFS (A) Quite Datrs Tbc iatm st tats f wiU pay may ebaaga ern the uyb dq of »SC1 SQ 2006 and an dmc day every 6TO mm>ab mettaftct. Each date cm valc6 my V=tsr tart cotad ebmse, is c0cda "ClaWltiam.' OD The Indu Begimoag Cvtdt dat rust Glm p Date. my hrerat tale va be batei as an tweet The "Indat- is the avcrmge of bterta * ofti:ted rd= far b m rA U.S. dollar-deaommatod deposits in dx Loodoa mazlret ('I tDOR??.,?asWpahli_a1&rieduia4lm War! S1?rer Jowrra[. The=Mt rtrem rWete S?nm available at of dr fersc s ima?sU??77o71 >we?3ua((SS+yy)6nsmnzae - cFaraut (mtox! t;?tora O K I 890PG4867 Sep-25-2009 03:54pm From- 243817050 business day of the month Wmedbtdy ymcedimg do month in which tin Change Date acta3s is cared dre "Clam Indere." 9 do Indent Is w 1onM avtdtahie, dx Nuts Holder w2I choose a ttew Indrs that ra based upon compombhe IaOutoatr0t4 The NoreJ3dda wM 6Vr tae oodceorft cbaia. (C) CaleuUdaN of Ch nSw Were each Changa Date, the Nom Holder v& ca na m my now intetcst into by naffing arx Alm Boa/loon petae?tagepalat(s) ( 6. Boo 96) to dw Carat red= The Max Solider wBi don zwmd die rook of dais addition to ale nnteat anrxighhh of ew pea wwx point (0325%). subjea to this Ttmits med In Section 4(D)bdaw,dti wuWcdm vmtv&bemyoew9nntue umtt thaomCh oge-D9w Thu Nola Holder will then dtx u t a (he amount of dra ffina y payment that would be sufficent to rcpaY dic unpaid p imcipd that I am cxpwk d.to awe a the Cltmge Drain M on dw Marodty Dotc at my new intemsttate In tubstnaGdly equal phymenta, 71c meat[ of this edcvlmfioa wi0 be the new amount or my monthly Payment. (D) Llmita on Interest Rote C unegm The iotw= raw I am segdwd m pay at the fast Change Date wio not be greater dm 9.250 % or IM then 7.250 g6.7bareaftef my inkwA ate %oM never he inmueod of dt cucd an any dn& ChangaDafeby morn am e ONZ AM 900/2000 paecntagepoint(O ( 1.000 Mflocidwoatnoriotmstlbwoberap aymgfostheranWditg 6 m0ndt+_A"ybtteacsttatevrt9neverbesrmtrrtlron U.25ti %. • (E)EffeulaDateofChanges • or lower than 7.950 Pd. My new Interest no WA became cifeedvt on each Clmnge Data l wM pay the =aunt of my new monthly payment heghottiog oo din &9t monNy payment date etas the Chmgc Date tmt0 thr mommy of my matey Peywardsages again. (I) ldodwofCbuges ilia NOteNaMor wM debase or wAw 0u.anotice ofany changes in my int=azareacrd the amount of my mmnMlypayin=bof0ta thedkodvado of any dtWc.Tbcandcn wid im** inrnnnatirm nvtabrA by haw to be given me and elan the teiepbtwa number or a pueon who w;0 mower my quoWan I may have regard ar thanotim L TRANSM OF TDR PROPF.OTV OR A BEMUCIAL '¢hTEMT M BORROWER UnIbunCovmmi77oftheSaOdtYbruni ancuth==dc.'dwmdtoMaattc Teamster of the prop" or a Be"dici yntazat InBeernew Iran or any pea of ate Propeney or any iuwm bi it le mid or mut0wed (or if a bwtMM Ducrem in Hurmwer is said or nmu tend and Bamawer Is not it Be" person) wi bovtLtnda's prior VlAUM consent, Zevdrs may. at Its option. requite inwedia3 paymcm:a too bf aU nu a &uud6t ntb,aaohy Ltsuwtaa. lkwmvtT drts etpdw slash not ae exOrc"ak by weft it cunw. k pmblhirM by FrdrM haw scof tlm dm of ddr Soctmgy Insewmad. Under also shag outexc obc this option It (o) btmower cenow w bo suhmhad m I=derkdbsmadou :zgnbtd by tntdWa4?C.ryL? ?.a80n (97051 PR99 2 of 9 Farm 3130 Wit 9K f 890K4868 Sep-25-2009 03:54pm From- T-7D5 P.029/036 F-93T UDCe' 77lG91?uua ,?i«. a. v:?[ ras _ EXH11317-- order-Nudbers 000085086 Re: WILLIAM GOUTZ 375 SAINT JOHNS DRIVE CAMP HILL, PA 17011 CUMBERLAND county .EEHISIT •R' ALL THAT CERTAIN trace or parcel of land and premises, situate, lying and being in the Township of Hatnpden'in the county of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at an iron pin on tae eastern side of Sr. Johns Drive _- (fosmerly Point Ridge Drive) at the corner of lands now or late of Kurvin W_ Lauer; thence North 64 degrees 59 minutes East, along the same, 206-40 feet to a point; thence North 25 degrees 01 minute West, 7.6 feet along same, to a pointr thence North 64 degrees $9 minutes East along Lot No. 69, Revised Plan of Section No. 3, Point Ridge Farms, 88.28 feet to a poincr thenco south 29 degrees 39 minutes East, along lands now or late of Barbara Rogers, 232.35 feet to a point; thence South 55 degrees 58 minutes West, along same and lands now or late of watts, 257.89 feet cc a point; thence North 33 degrees 17 minutes weat, along the easterly aide of Sc. Johns Drive (formerly Point Ridge Drive) 102.65 feet to a point; thence North 40 degrees 7 minutes West, along same 168.80 feet to the place of BEGINNING. bb 251 PAGE 3712 PARCEL 10-20-1846-175 .0 ne r, e . •:??_'ii ice:... . ? -i7,...?n ? _ r •_ .... 01 t 89OPG4866 Pago: 5 or5 Oraar Number OD0085D85 r EXHIBIT "E" {00397558} 5ep-25-2009 103:54pm From- T-705 P.019/036 F-927 Order-Numbem- 000085086 Re: WrrLLTAM GOZTZ 375 SAINT JOHNS DRIVE CAMP HILL, PA 17011 CUMBERLAND. County EME XT •E- ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township.of liampdan'in the, County of Cumberland and Commonwealth of Pennsylvania, more particularly 'described as follows: BEGINNING st an iron pin on the eastern side of Sr. Johns Drive (formerly Point Ridge Drivel at the cornet of lands now or face of Kurvin W_ Lauer: thence North 64 degrees 59 minutes East, along the same, 206.90 feet to a point; thence North 25 degrees 01 minute West, 7.6 feet along samej co a pointy thence North 64 degrees 58 minutes East along Lot No, 64, Revised Plan of Section No_ 3, Point Ridge Farina, 88.28 Peec to a point; thence south 29 degrees 39 minutes East, along lands now or late of Barbara Rogers, 232-35 feet co a point: thence South 55 degrees 58 minutes West, along same and lands now or late- of watts, 257.89 feet to a point; thence North 33 degrees 17 minutes west, along the easterly side of Sr. Johns Drive (formerly Point Ridge Drive) 102.65 feet to a point: thence North 40 degrees 7 minutes West, along same 168.80 feet to the place of BEGINNING- DS 251 PAGE 3712 PARCEL 10-20-1846-175 In Cum: r 01v t 69OPG4866 Page: 5 or 5 Ordor Number 000085088 EXHIBIT " F" {00397558} am ov N YI ? 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O O O. _ J ?• O O O u O u u u Ou N EXHIBIT "G" {00397558} Diana Pickens TRUTI. f LENT)INGDISCLOSURE STA_ -MENT 216/524-8007 (THIS IS NErMR A. CONTRACT NOR A COMMM4ENT TO LEND) LENDER OR LENDER'S CENTER HOME EQUITY COMPANY, LLC 5700 LOMBARDO DRIVE, STE. 240 OPreliminary [Final ......SEVEN HILLS, 0$ ..44131_.. '- :DATE!- 12/0212004. BORROWER(S) WILLIAM B GOETZ LOAN NO.: 2438170513 Typepfl-oan:: ARM ADDRESS: 375 ST.JOHNS DRIVE CITYISPATEIZIP: CA" HILL, PA 17011 INTEREST RATE: 7.250 PROPERTY: 375 ST.JOHNS DRIVE CA10 HILL, PA 17011 ANNUAL PERCENTAGE FINANCE CHARGE AnionwFinanced Total ofPaytneasy RATE - Tbe,anuureofereditprovided toyou Thearnountyou will latTpaidader Tla: cost of your credit as a yearly rate. The dollar aunwL We creditwill. or on your hebalf: you have nude all paymcots as ... cost you. scheduled. 8.472 S 1,060,19.6.03 $ 587,929.18 ' 6 1,648,125.21 1'A IBIN'!'SCHE UL& ... . IL'ftil!$]? OF « ° %t +VI{OFJL?1'fll`S r. 2,15'4fE+tTS AREA aE rAYtt?vrs ? .' PAlrxt?rrs ,. : aloF,trll>;?; u??m?iric 24 4024,79 ., 1/15/2005. 4,.61:7.:66;,... 1/15/2007 1 4 614.15 12/15/2034 DF-AlAND FL4TURE: [ ] This loan doci not lave a Demand Feature. This [ban has a Demand Feature as follows: YARIAISLF R9TI:;FEAT=--' n This loan has a Variable Role Failure. Vi"c Ham D'is'closures Nava bccn provided to you cadicr. SECURITY: You are giving a security interest in the property locals" at: 375w ST. JOIINS DRIVE ' -.----- _. _ rnturo trLT?._EEHNSICLYANTA 7011 ASSUbtITION: Sona:one buying this progeny ® canna assume elk renuimog balance due anakr original _mortgage Erns. Q any assume, subject to kadees cendiflaw, bla TtuWrdog balance due under original mortgage te,=. FILINGJRECORDINGFEES: S 164 00 i . PROPERTY INSMiLNC.F Properly. hazard insurance inled amount or ? wah a mortgagee elauseto the leniQ is a required =Witionbf this 589 991:70 , Iran. Borrower nay purdasc this insurance iron any insurance CMIIIaIly,acsgrlablt IO Ilk leader. L mum isurance o is 6 not awilabk through the knder afan estimated east of NIA ?. for a NIA year term. *F SLTS jMPORTAMT FIA7.ARtt TNSt1RnNf!P:. CATTOHE-Y-0 imPRDMEn._ I ATE CIt"GFS; If yobr pnyunen is lours than 10 days lak, yen will be charged a talc change of 5:00 00 $ of the overdue payment. PREPAYMENT:. If you pay offyour loan cndy, you ® may 0 will not lave to pay a pcnalry. Q tmy. Q will not - be entitled to a retinal of part of the finance clurge. . See )vntrconttmt documents for any additional information regarding non payment, defntil S rrgnlred tepiqment in fold before n scheduled date, and prepayment re6ords mid peniddes. - BORROIVEW SIGNATUREO REQUIRED VWc hereby acknowledge reading ad receiving a complete copy of thus disclosure. WILLIAM B GOETZ DATE DATE X X DATE DATE CREDIT LIFT. AND INVOLUNTARY UNEMPLOYMENT INSURANCE: CREDIT LIFE AND INVOLUNTARY .UN6.4SPLOYMI-NT L\SURANCE ARE NOT REQUIRED TO OBTAIN CREDIT AND \VILL NOT BE PROVIDED U\7..FSS YOU SIGN AND AGREE TO PAY THE ADDITIONAI. COSTS. Credit t.ifc and mvoltuuary Unnengtloymtaa Iasrsratce art available through (,+Ly gg HOME EQIIITY COMPANY, LLC as reflected helaw. TVPE..--- MON TILYPRENIUM ANNUAL COST SIGNAnMgE Q _ I Want Single Mootldy Life insurance $iiglt Mmltdy S N/A S N/A _ Life _ _ (Signature ofpersm to be ummd) Ileac we want Jtriuu Mt>olldy Lire Insutanx J i M a -? o or n y N/A S N/A S . (Signature ofperwn to to insured) Dan: Life MIA (Signature of person to her iawrest) Date Singlc,Xtonhdy. I ttmra Siaglc a{oruldy Involuntary Uncmployrn nt Insurance - -- - _ Involuntary 5 N/A S N/A Uremploynwnn (Signature of person to he iusurcdo Date *Life and Uacrtgdoynwi lasumce uny not cover due mire loan amount or loan urn: See 1 our insurance cg66eate fore: act coverages. TIE LENDIM OR AN AFFILIATE OF THE LENDER MAY RECEI VFL SOMETHING OF YALt1E IN CONNECTION wrru YOUR PURavisE OF INSURAu1CPL. THE LENDER EXPECTS TO PROFIT FROM YOUR PURCEASE. YOU CONSENT TO THIS. Cf 7gg§I (061903) 12/0212004 e:4e:16 243837058 DEFINITION OF TRUTH-M-LENDING TERMS i ANNUAL PFRCENTAGERA-iE This is not the Note rate for which the borrower applied.::The Annual Percentage Rtrte (APR) is the cost:of the loan in percentage terms. WCmg into account various loan charges of which interest. is only one such charge. Other charges which are, used in calculation of the Annual Percentage Rate are Private. Mortgage Insurance or FHA Mortgage. Insurance Premium (when applicable) and Prepaid Finance Charges (loan discount. ongmadon.fees, prepaid interest and,.other credit costs). The APR is calculated by spreading these charges over the life of the loan which results ;m a rate generally higher than the interetit rate shown on your Morigage/Decel of Trust Note. If;itituest was the only Finance Charge; then the interest rate and the Annual Percentage Rate would be the same. PREPAID FINANCE CHARGES Prepaid Finance Charges are certain charges made in connection with the loan and which mustbe paid upon the close of the loan. These charges are defined by the. Federal; Reserve Board in. Regulation Z and, the charges must be paid by the borrower. Non-Inclusive examples of.sueh charges arm Loan origination fee, "Points" or, Discount Private Mortgage Insurance or FHA .Mortgage lnsurance, Tax. Service Fee. Some loan charges. are specifically excluded from the Prepaid Finance Charge such as appraisal fees and credit report.fees. Prepaid Finance Charges are totaled and then subtracted from the Loan Amount (the face amount of the Decd of Trust/Mortgage ?Mote). The net figure is the Amount Financed as explained below. FINANCE CHARGE The amount of interat prepaid finance charge and certain insurance premiums (if any): which the borrower will be expected to pay over the life of the loan. AMOUNT FINANCED The Amount Financed is the loan amount applied. for less the prepaid finance charges.Prepaid finance charges can be found on the Good Faith Estimaw/Settlemcnt, Statement (HUD-l or IA). For example if the bonower's note is for $10,000 and the Prepaid Finance Charges total $5,000,: the Amount Financed would be $95,000. The Amount Financed is the figure on which the Annual Percentage Rate is based. TOTAL OF PAYMENTS This figure represents die total: of all payments made toward principal, interest and mortgage insurance (if applicable). PAYMENT SCHEDULE The, dollar figures in the Payment Schedule represent principal, intereAp plus Private Mortgage Insurance (if applicable). These. figures will not reflect taxes and insurance escrows or any temporary buydown payments contributed by the seller. WOO= 100 -788 ro2rn7 Pags 2 W 2 243817058 CALuULATION OF.AMOUNT FINANCED FOR TRUTH-IN-LENDING DISCLOSURE STATEMENT e The 'purpose-of-this attachment to the:TRUTH-Di-L-ENDIA'G DISCLOSURE STATEMENT is to gm u an itemized listing of the fees used in calculating the amount rmanced, the amount or credit provided to you or on your behalf, as shown' on form CE788M: RE: WILLIAM B GO= 375 ST-JOHNS DRIVE CAMP HILL, PA 17011 Loan Amount: 589; 991:'70 Prepaids: Origination Fee: biscoum' Lender's Inspection Fee: Assumption Fee: Moitgag6l3rol-er Fee: Courier Fee- Tax Related Service Fee: 72..00 Underwriting Fee: 350 ; 00 Temporary Buydown Fee/Funds: Flood Ccrd&ation Pee: 13.00 Preliminary Interest: 937.52 VA-FF /*MIP I PMI Cash Portion Financed Portion:. PMI/Mip"asrrow: SetllemendClosing Fee: 375.00 Attorney Fee: PROCESSING FEE 315.00 Total Prepaids: 2, 062.52 Amount Financed: 587, 929.18 e A borrower may be entitled to a refund on the unused portion of the prepaid MIP. The basis for computing the. MIP refund is as follows: Original Mortgage Amount X HM earned premium factor = MW premium used. Ori-einal MIP Amount - used portion of MIF = MIP Refimd Borrower(s): y CFS063 (0507(13} EXHIBIT "H" {00397558} Nation tar- MORrGAGE III 01 1111113/9 18 34 III William B Goetz 375 Stjohns Drive Camp Hill, PA 17011 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES BY COUNTY REVISED AUGUST 1, 2008 August 14, 2009 ACT. 91 NOTICE TAKE ACTION TO SAVE YOUR BIOME- FROM FORECLOSURE This is an official notice that the mortgage on your horse is in defardt, and the lender intends to foreclose. Specific information about the mature of the default is provided in the adaclred pages. BMORTANT MFORMATIONCONCERNING YOUR RIGIMIS CONTAINED ONPAGE FOUR The HOMEOWNER'S EMERGENCY MORTGA GE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your )mire. This notice explains [row the program works. To see if HUM" can help, you must MEET WITHA CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your Comity are Ilsled at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at I-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIO'N EN AD37UNTO ES DE SUMA IM[PORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCC107N INMEIIIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDINIIR SU HIPOTECA. HOMEOWNERS NAME(S): William B Goetz PROPERTY ADDRESS: 375 Stjohns Drive Camp Hill, PA 17011 LOAN ACCT. NO.: 0243817058 ORIGINAL LENDER: CENTEX HOME EQUITY CORPORATION CURRENT LENDERISERVICER: Nationstar Mortgage LLC Pagetwo 0243817058 _ I . HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOUMAYBEELML3LE FOR FINANCIAL ASSISTANCE WHICH CANSAVE Y019RHOME FROMFORECLOSUREAND HELP YOUMAFE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARYSTA Y OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCYMORTGAGE ASSISTANCE, YOUMUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED `HOW TO CURE YOUR MORTGAGE DEFAULT`, EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the leader may NOT take action: against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessmy to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see followingpages for speck information about the nature ofyour default). You have the right to apply for financial assistance f on; the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days ofyour face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF TAE POSTMAR%DATE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, W THE SECTION CALLED "TEMPORAR YSTA Y OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALL YAPPRO VED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pun sued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOU ARE CURRENTL Y PROTECTED BY THE FILING OFA PETITION INBANXRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If yon /rave filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it rip to date): NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: -375-St johns DriWCa-mp`Hill'PA-1-701-17- IS SERIOUSLY IN DEFAULT because: A. YOUHAYE NOT MADE MONTIILYMORTGAGE PAYlM1ENTSfor the following months and the following amounts are now past due: (a) Monthly payments from 06/15/2009: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 08113/2009: $9,581.06 $1,054.98 $20.00 $0.00 $10,656.04 HOW TO CURE THE DEFAULT -You may came this default within THIRTY (30) DAYS from the date of this Notice BYPAYING THE TOTAL AMOUNT PASTDUE TO THE LENDER, WHICHM $10,656.04, PLUSANYMORTGAGE PAYMENTSAND LATE CHARGES (and other charges) WHICHBECOMEDUEDURING THE THIRTY(30) DAYPERIOD. Payments must be made either by cash, cashier's check, certified check; or money order made payable and sent to: . Nationstar Mortgage LLC 350 Highland Drive Lewrsvrlle, TX 75067 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the lender intends to exercise its right to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the leader also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgagedproperty will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Arry attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.lf you cure the default wither the THIRTY (30) DAYperiod, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaidprincipal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYperiod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sherds Sale. You may do so by paying the total amount then past due, plus arty late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheris Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice.A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER Name of Lender. Nationstar Mortgage LLC Address: 350 Highland Drive Lewisville, TX 75067 Telephone Number: 1-888-850-9398 Fax Number: 972-315-6827 Contact Person: Cody Nesbitt E-mail Address: nationstarassist@nationstarmail.com Loss Mitigation Department: 1-888-850-9398 x3705 Website: www.nationstarmtg.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OFMORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOUMAYALSOMAVE7MRIGHT. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY --- - FROM A'NOTIIER'L'ENDING'INSTITUTION-TO-PAY-OFF-TMS-DEBT--"------- --- -- ° TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR. BEHALF. ° TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CANBE FOUND ONPAGES 6-8. Nationstar Mortgage LLC is attempting to collect a debt, and any information obtained will be used for that purpose. Federal law gives you thirty days after you receive this letter to dispute the validity of this debt or any part of it. Unless you dispute the debt within that 30 day period, we will assume that it is valid. If you notify us in writing at the address below within the thirty day period that the debt, or any portion thereof, is disputed, we will: 1) Provide to you verification of the debtor a copy of any judgment entered against you. 2) Provide to you the name and address of your original creditor, if the original creditor is different from the current creditor. Sincerely, Nationstar Mortgage LLC 350 Highland Drive Lewisville, TX 75067 * Indicates Counties Serviced Amm Housing Corporation American Financial Counseling Services Buds County Housing Group CCCS or Lehigh Valley .....646 North Broad Sheet.. 28BD Bergey Road Suite 4 ..... . . ... .....2324 Second Sheet Pike, Suits 17 3571 Cnscad Court East Philadelphia, PA 19130 Hatfield, PA 19440 WrigMslaw6 PA 18940 WhttehalL PA 18052 (215) 7654221 (267) 228.7903 (866) 86-0280 ..,_._ (610) 8214011 'Buds, Cheester, Delaware, Montgomery, 'Bela, Chester, Montgomery 'Buds (800) 837-9815 Philadelphia 'Benksr Buds, Carbon, Lan Action Housing Inc 425 6h Avenue, Suite 950 Pittsburgh, PA 15219 (412) 281-2102 'Allegheny, Beaver, Buller, Fayette, Greene, Washington, Westmoreland Adams County Inledalth Housing Authority 40 E High Street Gettysburg, PA 17325 (711)334-1518 'Adams, Cumberland. Franklin, York Advocates for Financial Independence 1808 S BMW sheet, Sidle 1B Philadelphia. PA 19145 (215) 369-2810 Throdedphla Advocates for Financial Independence 202 East Hnldey Avenue Ridley Park, PA 19078 (215) 309-2810 'Delaware Allegheny County Acorn 5907 Perm Avenue, Sidle 300 Pittsburgh, PA 15206 (412) 441-5551 'Allegheny American Credit Counseling Institute 21 S Church Street West Chester, PA 19380 (888)212.6741 'Chester American Credit CouseBng Institute 526528 Dekall) Sheet Norlislovar, PA 19401 (610)971-2210 (888) 212.6741 'Montgomery, Delaware Amerimn Credit Counseling Insillule 530 W Street Road, Suite 201 Wamdnsler, PA 18974 (215) 4449429 (888) 212-6741 'Buds, Montgomery, Philadelphia American Credit Counseling Institute 937 North Hanover Street PoBslown, PA 19460 (BBB) 212-6741 'Burks, Bucks, Montgomery American Credit Counseling Imillute 220 Fast Chestnut Street Coatesville, PA 19320 (BOB) 212-6741 'Chester, Lancaster American Finandd Counseling Services 871 N. Easton Road Glanside, PA 19038 (267) 228-7903 'M80In American Financial Counseling Services 175 Strafford Avenue. Suite the Wayne, PA 19087 (610) 971-2210 (888) 212.6141 'Bucks, Chester, Delaware, Mongomery, Philadelphia Buds Count' Housing Group Norhhamnplun, Sdruylldit 470 Old Dunn Prlte Ooylesluwn, PA 189D1 (866) 855-0280 'Buds American Financial Counseling Services 905 Pam Avenue Wyomissing, PA 19610 (267)228-7903 (800) 490.3039 'Bekt American Financial Counseling Services 871 N. Easton Road Glanside, PA 19038 (267) 228-7903 'Montgomery American Financial Counseling Services 1917 Walsh Road Philadelphia, PA 19115, PA 19510 (26'7) 228-7903 'Buda, Montgomery, Philadelphia Amedcan Red Cron-Hanover Chapter 529 Carle Street Hanover. PA 17331 (717)637-376B 'Adams, Franldin, York Amedcan Red Cross of ciester 1729 EdgemonlAvenue Chester, PA 19013 (610) 974-1464 'Chester, Delaware APM 2147 Na ht Skdh Street Philadelphia, PA 19122 (215) 23$6788 *Chester, Delaware, Philadelphia, Buds Armstrong CO Community Action Agency 124 Anmsdale Road, Suite 211 1011anning, PA 16201 (124) 548.3405 'Amskong Base. Inc. 447 South Prince Street Lancaster, PA 17603 (717) 392-5467 'Lancaster Sisk County Community Action Agency 2100 61h Avenue, Suite 102 P.O. Box 1833 Altoona, PA 16W2 (614) 94&3651 'Blair BookerT. Washington Center 1720 Holland Street Ede, PA 16503 . (814) 4535744 'Crawford. Erie, Warren Buda County Housing Group 349 Durham Road Parental, PA 19047 (869) 8660780 'Buda Buds Coady Housing Group 515 West End Bird Qualunlawn, PA 18951 (666) BMWm0 'Suds BudgetCounsellng Center 247 KOM High Sheet Reading, PA 19601 (610) 3757866 'Badrs, Chester. Sdnryib'A Carroll Park Community Council, Inc. 5216 Masrershael PMtadetgda, PA 19131 (215) 977-1157 "Chaster, Delaware, Philadelphia Ca0corx: Sowl services Saint Catherine Manor 5 Kraal Road S=ib% PA 18.505 (570) 5583019 Wynekng, Wayne. Bucks. Lackawanna, Monme, Philadelphia CCfS of Delaware Valley 1230 Now Rodgers Road, Sidle Pi Bristol, PA 19007 (215)5635985 'Buds CCCS of Delaware Valley 1777 Slinky Padnvay W. Salle 200 Blue Bell, PA 19422 (215)563-5555 'Mongomery CCCS of DelawareValley 28D North Providence Road Med12. PA 19063 (215) 5635665 'Chester CCCS of Delaware Valley MershaLOuidmg 790 E Markel SL SWIe 170 West Chester, PA 19362 (215)553,%w •Chasler. Buda CC CS of Delaware Valley Catholic 5'or?l ServiMS Belding 7340 Jackson Street Phiadelphia, PA 19136 (275)5635565 'Buda, Philadelphia American Financial Counseling Services Buds County Housing Group CCCS of Delevrare Valley 405 West Genmantoue Ptire 200 Wed 8 iciga Street One Cheny Hill, Suite 215 Norristown, PA 19403 Morrisville, PA 19087 ChenryH41, PA 06002 (267) 228-7903 (866) 866 aza (215) SSM665 'MUlrer, Montgomery 'Bucks 'Philadelphia CCCS of Northeastern PA 201 Basin Street, Sidle 6 Wdifemspod, PA 17701 (570) 3236527 •Cerdw, Clinton, Lycombrg, Northumberland, Union CCCS of Nw0reastem PA 202 W Hamilton Avenue Slate College. PA 16801 (814) 2363668 'Blair, Cache. Clearfield, Crolon, Huntingdon, Junrala,Mom CCCS of Norheaslem PA 401 Laurel Sheet Pillston, PA 18640 (570)602-2227 'Bre6an1, Carbon, Cohonbla, Lackawanna, Lyconing, Monroe, Mont". Northumberand, Pike. Sullivan. Toga, Union. Wayne, Wyoming CCCS of Nodheastem PA 411 Main Street, Sidle 104 Stroudsburg, PA 18360 (570)42DMW 'Bradfem4 Cerban, Morvoe, Pike, Wayne CCCS of Weslem PA 1 Noon Gate Square #2 Gader CenlerDr Greensburg, PA 15601 (888) 5112227 'Fayette, Greece, Indiana, Somerset, Wasfdnglon, Weshroretand CCCS of Weslem PA 55 ClovarHdl Road Dallastawn, PA 17313 (888) 511-2227 TuRcirm, Crawford, Lancaster CCCS of Wester PA 2000 unglmlown Road Hanhibung, PA 17102 (008)511 7127 'Adams, Cumberland, Dauphin, Franldin, Perry, Synder. York CCCS of Weslem PA 312 Chestnut Street, Suite 227 Meadville. PA 16335 (888) 5111-2227 'Lawrence CCCS of Wester PA 41 East Chestnut Street Washington, PA 15301 (888)511-2227 'Westmoreland CCCS of Weslem PA 4402 Paadn Sheet Erie, PA 16509 (BBB) 511-2227 'Crawford, Ede, Warren CCCS of Western PA 524 Fra)k@rA"-. Aliquippa, PA 15081 (888) 511-2227 'Cambria * Indicates Counties Serviced i CCCS of Western PA Comm. on Econ. Opportunity of Luzeme Housing Assoc of Delaware Valley ML Airy. USA 91TALdian Boulevard. County 655 North Watts Street 6703 GemaMownAve, Suite 200 Altoona, PA 16602 163 Amber Lane Philadelphia, PA 19123 Philadelphia, PA 19119 (888) 511-2227 WilkesSarre, PA 10702 - -- (215) 978-0224 (215) 8446021.... 'Arms8mg, Bedford, BW Cambria, Centre, (57D)32&0510 'Philadelphia, Monme 'Pheadelphe Clearfield, Huntingdon, Juniata, M flit, Union (800) 822-0359 'Wyoming CCCS of Western PA Pullman Commerce Center 11214otiywood Or Butler PA 16001 (888) 611-2227 'Butter, Clarion, Jefferson, Mercer, Venango CCCS of Western PA River Park Commons 2403 Sidney Street Pittsburgh, PA 15203 (888) 511-2227 'AYegherry Center for Family Services, ins 213 Center Street Meadville, PA 16335 (814)337-6450 'Columbia, Vamngo Centro Pedro Clever, Inc 627 West Eie Avenue Phbdelpla, PA 19149 (215) 2V-7111 'Philadelphia Chester Community Improvement Pn4ect 412 Avenue or the States P.O. Box 541 Chester, PA 19016 (610) 976-6663 'Chesier, Delaware, Montgomery, Philadelphia Comm. On Ecan Opportunity or Lumme Co. 163 Amber Lane Wiles-Barre, PA 187012 (57D) 8284)510 'Carbon, I-, Schuylkill, Wyoming Community Action Convnieslon of Capital Region 1514 Deny Street Harrisburg, PA 17094 (717) 232-9757 'Cumberland; Dauphin, Franklin, Perry. Syndar Community Action Committee or the Lehigh Valley 1337 East Fifth Skeat Bethlehem, PA 16015 (610) 691-5620 'Bads, Carbon, Lehigh, Monroe, Nodhhamplon Community Action Development Comm - CADCOM 113 E Math Street Morristown. PA 19401 (610) 277-6353 'Montgomery Community Action Souhhwest 150 W Beau Skael, Suite 304 Washington. PA 15301 (724) 225-9550 'Monroe Commurh8y Action Southwest 58 E Greene Street Waynesburg, PA 15370 (724)852-2893 Allegheny, York, Fayette, Greene, WesNnglon, Westmoreland Congmsn 216 WestSomersel Street Philadelphia, PA 19133 (718)763.8870 'Philadelphia Council of Spanish Speaking Organtrauon 7054)9 North Franklin St Philadelphia, PA 19123 (215) 6273100 'Philadelphia Credit Counseling Center 832 Second Skeet Pike Rhdhboro, PA 18954 (215) 396-1880 '&rcks Diversified Community Service Dixon Horse 1920 South 20th Steel Philadelphia, PA 19145 (215) 3363511 -Bucks, Chester, Delaware, Philadelphia Fair Housing Partnership of Greater Pittsburgh, Inc. 2840 Ubedty Ave., Suhe 205 Pittsburgh, PA 15222 (412) 391-2535 'Atieghery, Fayette Co. Community Action Agency Inc 137 North Beeson Avenue Lrniontovm, PA 15401 (724)437-WSD 'Fayetia, Somerset FOB CDC 1201 West Only Avenue PhfaddpW PA 19141 (215)54&8755 'Buda, Chester, Delaware, Philadelphia Gadheld Jubilee Associates 5138 Penn Avenue Pittsburgh, PA 15224 (412) 665.52W 'Allegheny Gemanlmvn Settlement 5538 Wayne Avenue Bldg C Phl idelpW PA 19144 (215) 849.3104 'Buda. Chester, Delaware, Montgomery, Philadelphia Greater Foie Commun. Action Committee 15 West 91h Sheet Ede, PA 16501 (814)45%4501 .Crawford, Foie, Venango, Warren HACE 167 W Allegheny Ave, 2nd Floor Phia lelphia, PA 19140 (215) 4263025 'Buck,, Chester, Delaware, Pheadelphhla Hispanic Alliance rorCommunity Advancement 2740 North Front Street Philadelphia, PA 19133 (215) 667-9.932 .Norma Housing Opportunities or Beaver Co. 320 College Avenue, Unit 1 Beaver PA 15WS (724)728-7511 'Beaver. Lawrence Nazareth Housing Services .I 301 Bellevue Road Pillsbugh. PA 15229 I (412) 931-0996 1 'Allegheny Housing Partnership of Chester County 41 West Lancaster Avenue Downingtown, PA 19335 (610)518.1522 'Chester, Delaware. Montgomery Indiana Co. Community Action Frog. 627 Water Street Box 187 Indiana, PA 15701 (724)465-2657 'MnsVong, Cambria. Clealeld, Indiana. Jefferson. Westmoreland Intercultural Family Services Inc. 4225 Chestnut Street Philadelphia, PA 19104 (215)38&1298 ThOadelpbla Korean Comm. Develop. Services Center 6055 North 51h Skeet Phladelphia, PA 18505 (215) 276-8830 -Philadelphia Lawrence County Social Services. Inc. 241 Wed Grant Street P.O. Box 189 New CasBe, PA 16103 (724) 65&7258 'Lawrence Ubedy Resources 714 Market StreaL Suite 100 Philadelphia, PA 19106 (215) 634-20 W .Philadelphia Loveship, inc. 2320 North 51h Street Hardsbur% PA 1711 (717)232-2207 'Cumberland, Dauphin, Perry LymmClnln Cc Comm fo Comm Action 2139 Lincoln Sheaf P.O. Box 3568 Williamsport, PA 17703 (570) 326-0587 'Centre, Clintork Lycoming, Union Maranal ha 43 Philadelphia Avenue Waynesboro, PA 17266 (717) 762-3285 'Adams, Cumberland, Franklin, Fallon, Perry Made Fellowship House 302 South Jackson Street Mack PA 19063 (610) SOSD434 'Chester Delaware Mon Valley Unemployment ConhmiBee 1900 West SL, 3rd Floor Homestead, PA 15120 (412)462.9952 'Allegheny. Washington, Westmoreland Neighbodhood Housing Services of Reading Zia N Mb 51, Suite 1030 Reading, PA19601 (610) 372-8433 'Bella Neighborhood Housing Services. Inc. 710 51h Avenue, Sidle 10W Pittsburgh, PA 15219 (412) 281-9773 New Kereignbm Community Developmard 2515 Fonidord Avenue Philadelphia. PA 19125 (215) 4274)35D 'Warren The NORCAM Group 42W Crawford Avenue Suite 200 Northern Cambria, PA 15714 (814) 948-0444 'Cambria, Clearfield Northam TerCommunlly Action Corp. 135 West4th Street P.O. Box 389 Emporium, PA 15834 (814)4861161 'Camemm E714 Mdcean, Pater Northwest Counselling Servos SW7 Nob Broad Street Philadelphia, PA 19141 (215) 324-75W 'Buda. Chester, Delaware, Montgomery, Philadelphia Nueva Esperanza 4261 Nob 50n Street Philadelphia, PA 19140 (215) 3244)746 'PhBadelphia Opportunity Inc 301 Fast Market Street York, PA 17403 (717) 4243645 'Montgomery The PadnemHp CDC 4020 Marked Street Suite 100 Philadelphia, PA 19104 (215)652-1612 'Monroe Pennsylvania Housing Finance Agency 2275 Shallow HBI Rd., Bldg 2W Fntlshurgh, PA 15220 (412) 429-2842 'Allegheny PHFA 21 North Front Street Hantsburg, PA 17110 (BOO-) 342,7397 'Cumberland, Dauphin Indicates Counties Serviced Philadelphia Council for Comm. Advmnl TheTrehab Center of Nodheosten PA 100 N 170i S4 Suite 600...... _.144 E EastAvetwa Phladelptk PA 19103 Welsbom, PA 15901 - _(215 567-7803 ...._....... _..? (!0)72 -W52 .- (800) 93D4663 (800) 982-4045 'Chester, Delaware, Montgomery, Philadelphia -nova Philadelphia Senior Center The Tmhab Center of Northeastern PA 609 South Bread Street German Street Philadelphla, PA 19147 P.O. Box 389 (215) 546-5079 Dushore, PA 18614 'Philadelphia (570) 928-9667 (SOD) 952-4045 SchuylldSConummityAction 'Sulf an 225 N. Contra Street Pottsville, PA 17901 (570)622-1995 'Berks. Carbon, Lebanon, Lehigh, Wzems, Northumberland, Schuylkill Shenengo Valley Urban League, Inc. 601 Indiana Avenue Farrel, PA 15121 (724)881-531D 'Crawford, Lawrence, Mercer South PhgadeOhla li.O.M.E.S. 1444 Point Breeze Avenue Phladeiphfe, PA 19146 (215) 334-0430 'Philadelphia Southwest Community Development Corp. 5368 Paschal Avenue Philadelphia, PA 19142 (215) 729-0600 "Montgomery SL Martin Center 1701 Parads Street Ede, PA 16503 (814)452.6113 'Crawford, Ede, Vanango, Warren Tableland Services Inn 535 Fast Main Street Somerset, PA 155D1 (814) 445-9628 'Cambria, Fayette, Somerset, Westmoreland Tabor Community SeMcas 308 E IOng Street Sulfa 1 Lancaster, PA 17602 (717) 397-5182 (ODD) 786-5052 'Chester. Lancaster, Lebanon The Tmhab Centerof Northeastern PA 10 Public Avenue P.O. BOX 366 Montrose, PA 18801 (5711) 275-3338 (800)982-4045 'Susquehanna The Trehab Center of Northeastern PA 115 SR 92S Tuekhannodk, PA 186W (570)636-6840 (SOD) 9624045 'Wyoming The Trelab Ceder of of Northeastern PA 1225 Main Street Honesdale, PA 18431 (570)253-6941 (800) 9824045 'Badrord, Sullivan. Susquehanna, Ttoga, Wayne. Wyomig The Trehab Center of Norlmastem PA Thar Enterprise Center 703 S. EtmerAvIL, Suite M-5 Sayre, PA iSNO (570) 885-0412 (800) 982-4045 'Bradford United Communties Southeast Philadelphia 2029 South 081 street Pldladelphlo, PA 19148 (115) 487-8701) 'Philadelphia United Neighborhood Cenhus of Nadheasfem PA 425 AiderSbael Scranton, PA 18505 (570) 346-0759 'Lackawanna, Wyoming, Wayne, Luzeme Urban League of Philadelphia 1818 Markel Street Philadeliphia, PA 19103 (215) 561-6070 'Bucks, Delaware, Philadelphia Urban League of Philadelphia 610 Wood Street PltlsblxgN PA 15229 (412)931-6996 'Allegheny Voices for Independence 11117 Payne Avenue tie, PA 16503 (814)874.0064 (800) 03&9890 'Erie Warren-Forest Counties Economic Opportunity Council 1209 Pensylirarda Ave W. P.O. Bon 547 Wane, PA 16365 (814) 726.2400 'Forest Waren West Oak Loo CDC 6259 Lkneklin Pike Philadelphia, PA 1914 (215) 224-0880 'Morena Nation r MORTGAGE August 14, 2009 7104 5400 2100 2276 2304 1110101314110 HM4111II William B Goetz 375 Stjohns Drive Camp Hill, PA 17011 PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES BY COUNTY REVISED AUGUST 1, 2008 August 14, 2009 A CT 91 NOT ICE TAKE TION TO SA E YOUR This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information: abort the nature of the default is provided in the attached pages. IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ONPAGE FOUR The HOMEOWNER'S EMER IFENCY MOR TGA GE ASSISTANCE PROGRAM (BEMAP) may be able to help to save your home This notice explains how the program works. To see if HEM" can help, yon must MEET WITHA CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice rvidt you when yon meet with the Counseling Agency. The name, address, and phone number of Consumer Credit CounselingAgeucies serving your County are listed at rite end of this Notice If you have any questions, you may call Use Pennsylvania Housing FinanceAge?rcy toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IIVIPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTTFICACIWN OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRW STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDI IIR SU HIPOTECA. HOMEOWNER'S NAME(S): William B Goetz PROPERTY ADDRESS: 375 Stjohns Drive Camp Frill, PA 17011. LOAN ACCT. NO.: 0243817058 ORIGINAL LENDER. CENTEX HOME EQUITY CORPORATION CURRENT LENDERISERVICER: Nationstar Mortgage LLC HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM - HELP YOU MAKE FUTURBMORTGAGEPAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR. DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and f le a completed Homeowner's Emergency Assistance Program Application: with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application: to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days ofyour face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICA TION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORAR YSTA Y OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pun sued against you ifyou have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOUARE CURRENTLYPROTECTED BY THE FILING OFA PETITIONINBANSRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONPURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (Ifyou have filed bankruptcyyou can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFA ULT (Bring it rip to date): NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: --- 375-Stjohns-Drive,-Camp-Hill;-PA--17011--- ---- - -- ----- -- -- -- ---- IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLYMORTGAGEPAYMENTSfor• the following months and the following amounts are now past due: (a) Monthly payments from 06115/2009: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e)'rotal amount required as of 08/13/2009: $9,581.06 $1,054.98 $20.00 $0.00 $10,656.04 HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYS from the date of this Notice BYPAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, lYMCHIS $10,656.04, PLUSANYMORTGAGE PAYMBNTSAND LATE CHARGES (and other charges) WHICHBECOME DUE DURING THE THIRTY (30) DAYPERIOD. Payments must be made either by cash, cashier's check, cerdfrred check or money order made payable and sent to: Nationstar Mortgage LLC 350 Highland Drive Lewisville, TX 75067 IF YOUD0 NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the lender intends to exercise its right to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. Iffull payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender every if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.lf you care the default within the THIRTY (30) DAYperiod, you will not be required to pay attorney's fees OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYper•iod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice.A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER Name of Lender. Nationstar Mortgage LLC Address: 350 Highland Drive Lewisville, TX 75067 Telephone Number: 1-888-850-9398 Fax Number. 972-315-6827 Contact Person: Cody Nesbitt E-mail Address: nationst irassis @nationstanuail.com Loss Mitigation Department: 1-888-850-9398 x3705 Website: www.nationstanntg.com EFFECT OFSHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage. debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. i i i YO U MA YALSO HA VE TIM RIGHT. ° TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY -FROM ANOTHER LENDING"INSTMJTIONTO PAY OFF'THIS"DEBT: "-- - -" ^-- ° TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) ° TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. ° TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER• ° TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CANBE FOUND ONPAGES 6-8. Nationstar Mortgage LLC is attempting to collect a debt, and any information obtained will be used for that purpose. Federal law gives you thirty days after you receive this letter to dispute the validity of this debt or any part of it. Unless you dispute the debt within that 30 day period, we will assume that it is valid. If you notify us in writing at the address below within the thirty day period that the debt, or any portion thereof, is disputed, we will: 1) Provide to you verification of the debtor a copy of any judgment entered against you. 2) Provide to you the name and address of your original creditor, if the original creditor is different from the current creditor. Sincerely, Nationstar Mortgage LLC 350 Highland Drive Lewisville, TX 75067 * Indicates Counties Serviced Acom Housing Corporation 546 North Broad Street Philadelphia, PA 19130 'Bucks, Chester, Delaware, Montgomery, Philadelphia Action Housing Inc 42561h Avenue, Suits 950 Pittsburgh, PA 15219 (412) 281-2102 'Ak9herry, Beaver, Buller, Fayette, Greene, Washington, Westmoreland Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 (717)334-1518 'Adams, Cumberland, Franklin, York Advocates for Financial Independence 1806 S Broad Street, Suite 18 Philadelphia, PA 19145 (215) 389-2810 'Philadelphia Advocates for Financial independence 202 Fast Hinkley Avenue RMlay Park, PA 19078 (215) 3832810 'Delaware Allegheny CounyAcom 5907 Pero Avenue, Suite 3110 Pittsburgh, PA 15206 (412) 4416551 'Allegheny American Credit Counseling Instiule 21 S Church Street West Chester, PA 19380 (888) 212-6741 'Chaster American Credit Couselirg Institute 526-528 Dekab Street Nnrrislewn, PA 19401 (610)971-2210 (888) 2125741 'Montgomery, Delaware American Credit Counseling Institute 530 W Street Road, SuOe 201 Warminster, PA 18974 (215) 444-9429 (888) 2125741 'bucks, Montgomery, Philadelphia American Credit Counsaling Institute 937 North Hanover Street Pottstown, PA 19460 (888) 21&6741 'Barks, Buda, Montgomery American Credit Counseling Institute 229 Past Chrslrwt Street Coatesville, PA 19320 (888) 2126741 'Chester, Lancaster American Financial Counseling Services 871 N. Easton Road Glensale, PA 19038 (267) 228.7903 'Mlmin American Financial Counseling Services Bucks County Housing Group CCCS of LeNgh Vagey _.. 2880 Bergey Road Suite 4 23245m, Street Pd®, Salta 47 .3571.Cnesceutcourt East Hal6eld, PA 19440 Wrightsilown, PA 18940 Whitehall, PA 18052 'Beds, Chester, Montgomery 'Buds American Financial Counseling Services 175 Stratford Avenue, Suite One Wayna, PA 19087 (610) 971-2210 (888) 212-6741 'Bucker, Chester, Delaware, Mongomery, Philadelphia American Financial Counseling Services 906 Penn Avenue Wyomissing, PA 19510 (267)228-7903 (800) 490.3039 'Barks American Financial Counseling Services 871 N. Fasten Road Glenside, PA 19038 (257) Z28-7903 'Montgomery American Financial Counseling Services 1917 Welsh Road Philadelphia, PA 19115, PA 19510 (267) 228-71103 'Bucks, Montgomery, Philadelphia American Red Crow-Hanover Chapter 529 Claude Street Hanover. PA 17331 (717)637-3768 'Adams, Franklin, York American Red Crow of Chester 1729 Edgamord Avenue Chester, PA 19013 (610) B74-1484 *Chester, Delaware APM 2147 Norhl Sixth Street Phili delphe, PA 19122 (215) 2355788 'Chester, Delaware, Philadelphia, Buds Armstrong CO Community Aelion Agency 124 Armsdale Road, Suite 211 Mllenning, PA 16201 (724) 548-3405 'Armstrong Base, Inc. 447 South Prince Slreet Lancaster, PA 17603 (717)392-5467 'Lancaster Bleu County ConmunlyAetlon Agency 2100 61h Avenue, Suite 102 P.O. Box 1833 Altoona, PA 16602 (814) 9463651 'Blair Booker T. Washington Center 1720 Holland Street FJIe, PA 16503 (814)453-5744 'Crawford, Erie, Warren Bucks County Hotssiug Group 470 Old DulArr Pike Doylestown, PA 15901 (866) 866-0280 'Bucks Buda Courdy, Housing Group 349 Durham Road Pemder, PA 19047 (866) 866-0280 'Buda Buda County Housing Group 515 West End 8hd Quaktrdowq PA 10951 . (866)866:020 'Bucks Budget Counseling Center 247 North Rtlh Sliest Reading, PA 19501 (610) 3757866 'Beds, Chester. Schuylkill Carroll Park Comai erily Council, Ina 5218 Master Street Philadelphia, PA 19131 (215) 877--1157 'Chaster, Delaware, Philadelphia Catholic Social Services Saint Catherine Manor 5 Knox Road ScraaIntr, PA 18505 (570) 558 3019 'Wyoming, Wayne, Bucks, Lackawanna, Monroe, Ptu'ia f lptda CCCS of Delaware Valley 1230 New Rodgers Road, Surge F1 BdshiL PA 19007 (215) 563-566S 'Buds CCCS of Delaware Valley 1777 Sentry Parkway W. Suite 200 Blue Bel, PA 19422 (215) 563.5665 'Montgomery CCCS of Delaware valley 250 North Providence Road Media, PA 19063 (215)563,%M 'Chesler CCCS of Delaware Valley Marshal Buldng 790 E Markel St, Suite 170 West Chester. PA 19382 (215)563.5665 'Chester. Bucks CCCS of Delavrae Valley Ca0to6c Social Services Bulling 7340 Jackson Street Philadelphia, PA 19136 (215) 5635665 'Bucks, Plh-ladetyhla American Financial Counseling Services Bucks County Housing Gawp CCCS of Delaware Valley 405 Wast Germantown Pike 208 West Bridge Street One Cherry lit, Suite 215 Norristown, PA 19403 Morrisville, PA 19067 Cherry F13, PAO8gD2 (267) 728-7903 (866y 886-0280 (215) 5635665 'MGitln, Montgomery 'Bucks 'Philadelphia 'Berta, Bucker, Carbon, Lancaster, Lehigh, Nor0lhamplon, Schuy dfl CCCS of Northeastem PA 201 Saabs SLmaL Sulle 5 Williamsport, PA 17701 (570)323£627 'Centre, Clnlon, Lycorni rg, Northumberland. union CCCS of Northeastern PA 202 W Hamilon Avenue State College, PA 16801 (814)238.3668 'Blair, Centre, Clearfield, Cfinton, Huntingdon, Juniata, Mttlln CCCS of Northeastern PA 401 Laurel Street Pittston, PA 18640 (570) 502.2227 'Bradford, CetboM Columbia, Lackawanna, Lymming, Monroe, Montour, Northumberland, P&P, Sullivan, Thoge, Union, Wayne, Wyoming CCCS of Nodheaslem PA 411 Main Sireel, Suite 104 Stroudsburg, PA 18350 (570)420.8980 'Baadlord, Carbon, Monroe, Pike, Wayne CCCS of Weslam PA 1 North Gate Squaw #2 Garden Center dr Greensburg, PA 15601 (888)511-2227 'Fayette, Greene, Indiana, Somersd, Washington, Westmoreland CCCS cf Weslem PA 55 Clover HR Road Dallastown, PA 17313 (888) 511 7121 'Fuibn, Crawford, Lancaster CCCS of Western PA 2008 Lbglestown Road Harrisburg, PA 17102 (888) 511-2727 'Adams, Cumberland, Dauphin, Franklin, Perry. Synder. Yak CCCS of Wesuem PA 312 Chestnut Steel, Sine 227 Meadville, PA 16335 (88B) 511 2227 'Lawrence CCCS of Weslem PA 41 Eed Chestnut Street Washington, PA 16301 (888) 511-2227 'Westmoreland CCCS of Western PA 4402 Peach Skeet Bile, PA 16509 (888)511-2227 'Crarrfotd, Ede, Warren CCCS of Waslem PA 524 Franklin Avenue Aligalppa, PA 15001 0" 611-2227 'Cambria * Indicates Counties Serviced CCCS of Western PA Comm. on Econ. Opportunity of Luzema Housing Assoc of Delaware Valley - ML Alry, USA ...917 A Logan Bm ie wd County 658 North Watts Street 6703 Germanlovm A Alloaia, PA 16602 153 Amber Lane Philadelphia, PA 19123 Philadelphia, PA 191 `__ (68¢) 511-2227 WilkesBmre, PA 18702 210,978-1=4 .(215) 8446021 'Al bang, Bedford, BWk, Cambria, Centre, (570) 826-0510 'Philadelphia, Mmme 'Phieddphia Clearfield. Huntingdon, Juniata, M1811n, Union (BM 822-0359 'Wyoming CCCS of Weslem PA Pullman Commerce Center 112 Hollywood Or Sugar, PA 16001 (888)511-2227 'Bugs, Clarion, Jefferson, Mercer, Venango CCCS of Western PA River Park Commons 2403 Sidney Street Pittsburgh, PA 15203 (888) 511-2227 Cenlerfar Fornfly Samloes, Inc 213 Center Street Meadvr'ln, PA 16335 (814) 337.8450 'Columbia, Venango Centro Pedro Clever, Inc 627 West Fife Avenue PAOadelpia, PA 19140 (215)227-7111 -Pldladelphla Chester Community Improvement Pm)ect 412 Avenue of the States P.O. Box 541 Chester, PA 19016 (610) 87648663 'Chester, Delaware, Montgomery, Philadelphia Comm. On Emn Opportunity of Luzame Co. 163 Amber Lane Wilkes-Bans!, PA 18702 (570) 8260510 'Carbon, Lumme, Schuylkl, Wyoming Camnunlty Action Commission or Capital Region 1514 Derry Street Harrisburg, PA 17094 (717) 232-9757 'Cumberland, Dauphin, Frankin, Perry, Synder Community Action Committee of the Lehigh Valley 1337 East Fifth Street Bethlehem, PA 10015 (610) 691-Wo 'Banks, Carbon, Lehigh, Monroa, Nodhhamplon Community Action Development Comm - CADCOM 113 E Main Street Nonistam, PA 19401 (610) 277-6363 -Monlgamery Community Action SouUwmt 150 W Beau Street, Suite 304 Washington, PA 15301 (724) 2253550 'Monroe Comrpnnily Action Souhn ash 58 E Greene Street Waynesburg, PA 15370 (724) 852-2893 'Allegheny, York, Fayette, Greene, Washington, Westmoreland Congreso 216 West Somerset Street Philadelphia, PA 19133 (215) 763-WO 'PhWwPFda Council of Spardsh Speaking Organization 70509 North Franklin St Philadelphia, PA 19123 (215) 627-3100 'PhOadelpMa Credit Counseling Center 832 Second Street Pike Rkhbom, PA 18954 (215) 3951880 'Bucks Diversified Community Ser0cs Upon House 1920 South 29th Steel Philadelphia, PA 19145 (215)336-3511 -Bucks, Chester, Delaware, Philadelphia Fair Housing partnership of Greater Pittsburgh, Inc. 2840 UbedlyAva, Sidle 205 Pittsburgh, PA 15172 (412) 391-2535 'Allegheny Fayette Co. Comm nRyAdlon Agency Inc 137 North Beason Avenue Uniontown, PA 15401 (724) 437-GM 'Fayette, Somerset FOB CDC 1201 West (:)*Avenue Phlladeiphle, PA 19141 (215) 5495755 'Buda, Chester, Delaware, Philadelphia Garfield Jubilee Associates 5138 Pam Avenue Pittsburgh, PA 15224 (412)66S-5200 'Allegheny Germanium Settlement 5538 Wayne Avenue Bldg C Philadelphia, PA 19144 (215) 849-3104 'Buda. Chester, Delaware, Montgomery. Philadelphia Greater Ede Common. Action Committee 18 West 98n Street Ede, PA 16501 (814) 459-0581 'Crawford, Erie, Venango. Warren HACE 167 W Allegheny Ave., 2nd Floor Philadelphia, PA 19140 (215)42648025 'Bucks, Chester, Delaware, Philadelphia Hispanic Alliance for Community Advancement 2740 North Fond Street Philadelphia, PA 19133 (215) 667-9932 'Monme Housing Opportunities of Beaver Cm 320 College Avenue, Unit 1 Beaver, PA 15009 (724) 72&7511 'Beave, Lawrence Nazareth Housing St 301 Bellevue Road PlBsburg% PA 1522 (412) 9314096 'Allegheny Housing Partnership of Chester County 41 westLanasteraveram Downingtown, PA 19335 (610) 51&1522 'Chester, Delaware, Montgomery Indiana Co, Community Action Frog. 627 Water Street Box 187 Indiana, PA 15701 (724)4r&2%7 'Armsboeg, Cambria, Clearfield, Indiana, Jeffenson, Westmoreland Intercultural Family Services Inc. 4225 Chestnut Street Philadelphia, PA 19104 (215)386-1296 'Philadelphia Kaman Comm. Develop. Services Center 6055 North 51h Street Philadelphia, PA 18505 (215) 2764630 'PNiarls"la Lawrence Cotudy Social Services, Inc 241 West Grant Street P.O. Bar 189 New Castle, PA 16103 (724) 658.7258 'Lawrence, Liberty Resources 714 Markel Street, Suite 100 PhbdelpMa, PA 19196 (215) 63420W 'Philadelphia loveship, Inc. 2320 North 58t Street HaaLtmag, PA 1711 (717)232-2207 'Cumberland, Dauphin, Perry Lycom-Cinln Co Comm to Comm Action 2138 Lincoln Street P.O. Box 3568 V1411temsporl, PA 17703 (570) 3264W 'Centre, Clinlon, Lyccming, Union Maremtha 43 Philadelphia Avenue Waynesboro, PA 17288 (717)768.3285 'Adams, Cumberland. Franklin, Fulton. Perry Media Fellowship House 302 South Jackson Street Media, PA 19053 (610) 565-0434 'Chester, Delaware Mon Valley Unemployment CommABee 1800 West SL, 3rd Floor Homestead, PA 15120 (412) 462-SMM 'Allegheny, Washington, Westmoreland Nelghlanhood Housing Services; or Reading 213 N 5Ih SL, Suits 1030 Reading, PA 19601 (610) 372-8433 'Bede Nd94bodwnd Housing Services, inc. 710 50r Avenue, Sulle 1000 Fd ssbagh, PA 15219 (412) 281-9773 'AOegherry New Kensgnlon Community Development 2515 Frantdod Avenue Phikdeiphk4 PA 19125 (215) 427-WO 'Watrenr The NORCAM Group 42W Crawford Avenue Suite 200 Northern Cambria. PA 15714 (814)946.4444 'Cambria, Clearfield Northam Tler Community Action Corp. 135 Wasl4lh Slreel P.O. Box 389 Empafun, PA 15834 (814)4861161 'Cameron, 6k Mclean, Potter NorowreslCounseOng Service 5001 North Broad Street Philadelphia, PA 19141 (215) 324750 'Bucks, Chewer, Delaware, Montgomery, Philadelphia Nueva Esperanza 4261 Noah 51h Sheel Philadeildda, PA 19140 (215) 324-0746 'Phlieddphia Opportunity Inc. 301 Fast Market Street York, PA 17403 V17)424-3645 'Montgomery The Partnership CDC 4020 Madwl Street, Suite 100 Philadelphia, PA 19104 ` (215)66Z-1512 'Monroe Pennsylvania Housing Fine= Agency 2275 Swallow HID Rd, Bldg 200 ROsburgk PA 15220 (412) 429-2842 'Allegheny PHFA 211 North Front Sheet Harrisburg, PA 17110 (BCD-) 342-2397 'Cumberland. Dauphin Indicates Counties Serviced Philadelphia Council for Conan AdvmnL The Trelab Cenlerot Northeaster PA - -- - .. 1DO N 171h S% Suite 600- 144 E East Avenue __._. __ -_. _. - _.. _._- -. .... ........ Philadelphia, PA 19103 Wellsbom, PA 16901 ? (215)667-76113 ___ (570)724-5252 (111)(1) 9304653 (8011) 9824045 'Chester, Delaware, Montgomery, Philadelphia Tioga i Philadelphia Senior Center 509 South Broad Street Philadelphia, PA 19147 (215) 546-5W9 'Philadelphia SchuyUl Community Action 225 N. Camba Street Pottsville, PA 17901 (570) 622-1995 'Becks, Carbon, Lebanon, Lehigh, Luzeme, Northumberland. SchWWll Shanango Valley Urban League, Inc. 601 Indiana Avenue Farrell, PA 16121 (724) 981-5310 'Crawford, Lawrence, Mercer South Philadelpbia H.O.M.E.S. 1444 Point Breeze Avenue Philadelphia, PA 19146 (215) 3344430 'Philadelphia Southwest Community Development Corp. 6368 Paschal Avenue Philadelphia, PA 19142 (215) 729-0600 'Montgomery SL Martin Center 1701 Parade Street Die, PA 16503 (814)452.6113 'Crawford, Ede, Venango, Warren Tableland Services Inc. 535 Fast Main Strout Somerset, PA 15501 (814) 445.9628 'Cambria, Fayette, Somerset. Westmoreland Tabor Community Services 308 E I(Ing Street, Suite 1 Lancaster, PA 17602 (717)397-5182 (S00) 7MS062 'Chester, tancesler, Lebanon The Trebel, Center or Northeastern PA 10 Public Avenue P.O. Box 366 Montrose, PA 18801 (570) 275-3338 (800) 987.4045 'Susquehanna The Trehab Center at Northeastern PA 115 SR 925 Tukkhamock, PA 186V (570) 836-8840 (800) 982-0045 'Wyoming The Treheb Center of of Northeastern PA 1225 Main Street Honesdale, PA 18431 (570) 253-8941 (800) 9824045 'Bradford, Sullivan, Susquehanna, Tinge, Wayne, Wyoming The Trehab Center of Northeastem PA German Street P.O. Box 399 ' Dushore, PA 18614 (570) 928+67 (111)(1) MM 4045 'Sullivan The Tmbab Center of Northeastern PA The Enteryrise Center 703 S. Eimer Ave, State M-6 Sayre, PA 18840 (570) 888-0412 (801)) 982-0045 'Bradford United Communlies Southeast Philadelphia 2029 South 8th Street Philadelphia, PA 19148 (215)467-9700 •PhiadelpMa United Neighborhood Centers of Northeastern PA 425AIderStreet Scranton, PA 18505 (570) 346-0759 'Ledawanna, Wyoming, Wayne, Luzema Urban League of Philadelphia 1818 Markel Street Philadelphia, PA 19103 (215) 561.6070 'Buadas, Delaware, Philadelphia Urban League or Philadelphia 610 Wood Street Pittsburgh, PA 15729 (412) 931fi595 -Alleglrmn r Volcas for Independence 1107 Payne Avenue Bie, PA 15503 (814) 874-0064 (600) 838.9890 Trie Warren-Forest Counties Economic Opportunity 12119 Pennsylvania Ave W. P.O. Burr 547 Warren, PA 16365 (814) 726-2400 'Forest, Waren West Oak Lame CDC 6259 Limekiln Pike Philadelphia. PA 1914 (215) 224-0680 'Monroe USPS -Track & Confirm Page 1 of 1 tNitTWSTATE'S I?t SERVIC8 Home I Help I Sign In 014? TU 411 Track & Confirm FA Track Confirm Search Results Label/Receipt Number: 7104 5400 2100 2276 2304 Status: Delivered Your item was delivered at 11:21 am on September 08, 2009 in LEWISVILLE, TX 75067. A proof of delivery record may be available through your local Post Office for a fee. Additional information for this item is stored in files offline A"4" offlim B As > (j) R MUM to t/SPU mom* Site Mar) Q ustomer ervice Forms Gott Services Careers Privacy Policy Copyright© 2010 USPS. All Rights Reserved. No FEAR Act EEO Data FOIA is Track & Confirm Enter Label/Receipt Number. Go x Terms of Use Business Customer Gateway http://trkcnfrm 1. smi.usps.com/PTSIntemetWeb/InterLabelInquiry.do?origTrackNum=710... 7/20/2011 MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 2031.45 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attorney for Plaintiff File: 9.11104 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, Vs. William B. Goetz COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2009-6749 Defendant STATE OF TEXAS COUNTY OF DENTON SS. Grant Seward, being duly sworn to law, deposes and says: 1. I am the Assistant Secretary of Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC and am I fully familiar with the facts contained herein. 2. Plaintiff, Nationstar Mortgage, LLC f/k/a Centex Home Equity Company, LLC is a Pennsylvania Corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 350 Highland Drive, Lewisville, TX 75067. 3. Defendant is an adult individual and is the titled owner of the real property commonly known as 375 St. Johns Drive, Camp Hill, NJ 17011. 4. On December 2, 2004, in consideration of a loan in the principal amount of CIVIL ACTION MORTGAGE FORECLOSURE (00596x38} $589,991.70, the Defendant executed and delivered to Centex Home Equity Company, LLC an adjustable rate note (the "Note") with interest thereon at 7.250 percent per annum, payable as to the principal and interest in equal monthly installments commencing on January 15, 2005. A true and correct copy of the Note is attached hereto as Exhibit "C. 5. To secure the obligations under the Note, the Defendants executed and delivered to Mortgage Centex Home Equity Company, LLC a mortgage (the "Mortgage") dated December 2, 2004, recorded on December 10, 2004 in the Department of Records in and for the County of Cumberland under Mortgage Book 1890, Page 4850. A true and correct copy of the Mortgage is attached hereto as Exhibit "D". 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 375 St. Johns Drive, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E". 7. The Defendant is in default of his obligations pursuant to the Note and Mortgage because payments of principal and interest due 6/15/2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. Please see a complete Payment History attached as Exhibit "17" and a Truth In Lending Disclosure Statement attached as Exhibit "G". {00596838} The following amounts are due on the Mortgage and Note: Balance of Principal .............................................$487,898.75 Accrued but Unpaid Interest from 5/15/09-6/30/11.......... $82,007.80 Late Charges ...................................................... .$0.00 Escrow Advance ...................................................$11,380.06 Property Inspections ............................................. ..$173.55 Non Sufficient Fee ................................................$20.00 TOTAL as of ............................$581,480.16 The following amounts accrued after 6/30/2011 Interest at the Rate of 7.250 per cent per annum ($ 96.91 per diem) Late Charges per month.0.00 9. Plaintiff has complied fully with Act No. 91 (35 P.SA680.401(c) of the 1983 Session of the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendant 375 St. Johns Drive, Camp Hill, PA 17011 on 8/13/2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. 10. According to the Note, Plaintiff may recover the attorneys' fees and costs incurred in this action. At the time of the entry of final judgment, Plaintiff will submit proof with regard to the actual amount of attorneys' fees and costs incurred in the action. 11. In his Answer Defendant admits that the mortgage payments are in arrears by failing to specifically deny the arrears. The Defendant does not specify the amount he believes is due under the Note and Mortgage. In other words, the Defendant admits the default, but fails to specifically dispute the amount of the default. I certify that the foregoing statements made by me are true and correct. I am aware that if any {00596838} of the statements made by me are willfully false, I am subject to punishment. BY: 6` flu(/t t k Name: C4Mf , c"gal Title: rt,?r r Sworn to and Subscribed Before me this ;.</ 14 day of? , 2011 Notary Public ROBERT WARNER SHARP -•; °a Notary Public, State of Texas -= My Commission Expires December 16, 2014 list -- {00596838} MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC Plaintiff, Vs. William B. Goetz Attorney for Plaintiff File: 9.11104 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 2009-6749 Defendant CIVIL ACTION MORTGAGE FORECLOSURE CERTIFICATION OF SERVICE I, Patrick J. Wesner, Esquire, hereby certify that on the date listed below, I caused to be served a true and correct copy of Plaintiff's Motion for Summary Judgment, Memorandum of Law in Support of the Motion, Proposed Order, via United States first class mail, postage pre- paid, upon the following addressed as follows on this 21St day of July 2011. Michael S. Travis, Esquire 3904 Trindle Road Camp Hill, PA 17011 Attorney for Defendant {00397558} MILSTEAD & ASSOCIATES, LLC NATIONSTAR MORTGAGE LLC, f/k/a CENTEX HOME EQUITY COMPANY, LLC, PLAINTIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. WILLIAM B. GOETZ, DEFENDANT NO. 09-6749 CIVIL IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE GUIDO, J. AND EBERT, J. ORDER OF COURT C'3 c -Q3 rn? ?D r ? z c, tV C= N C- -9- AND cn AND NOW, this 3`d day of January, 2012, upon consideration of the Plaintiff's Motion for Summary Judgment, the Plaintiff's Memorandum of Law in Support of its Motion, and the Court noting that the Defendant did not file a responsive Memorandum or appear at oral argument, IT IS HEREBY ORDERED AND DIRECTED that the Plaintiff's Motion for Summary Judgment is GRANTED. IT IS FURTHER ORDERED AND DIRECTED that judgment is entered, in rem, in favor of Plaintiff and against Defendant, William B. Goet, in the amount of $515,355.20, together with ongoing per diem interest, escrow advances, and any additional recoverable costs to the date of the Sheriff's Sale, and for foreclosure and sale of the mortgaged property. By the Court, *I, ?- - M. L. Ebert, Jr., J. ? Mary L. Harbert Bell, Esquire Attorney for Plaintiff v Michael S. Travis, Esquire Attorney for Defendant bas Cap;e? rho.' j.ed /I 4M 01- MILSTEAD & ASSOCIATES, LLC FIL, BY: Patrick J. Wesner, Esquire 8,11c: pj�b /*r 10- TH®r 't ID No. 203145 ��0 T/A ti 220 Lake Drive East, Suite 301 3 JUL P"f Cherry Hill,NJ 08002 CUNBERL,4 40 C01J'N _y (856)482-1400 PENt�js y I i,17 Attorney for Plaintiff LVAN A File No. 9.11104 Nationstar Mortgage LLC f/k/a Centex Home COURT OF COMMON PLEAS Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, NO.: 2009-6749 Vs. AFFIDAVIT PURSUANT TO William B. Goetz, Pa.R.C.P.3129.2 Defendant. 1,Patrick J. Wesner, Esquire, say: 1. On January 7, 2013, a copy of the Notice of Sheriff's Sale of Real Property was served upon the defendant, William B. Goetz, by the Sheriff's Office of Cumberland County. A copy of the Sheriff's return and signed certified card is attached hereto and made a part hereof as Exhibit"A". 2. On May 31, 2013, a notice of Sheriffs Sale was served upon lien holders of record and interested parties by ordinary mail. A copy of the certificate of mailing is attached hereto and made a part hereof as Exhibit"B". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements he in are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unswom falsificatio to thorities. If Patrick J. Wesner, �'+ire Attorney ID No. 293 1 5 Milstead and Ass c Uia es, LLC Dated: June 25, 2013 EXHIBIT "A„ - SHERIFF'S OFFICE OF CUMBERLAND COUNTY IN, V Ronny R Anderson Sheriff Jody S Smith tit ttt, Chief Deptty ro Richard W Stewart Solicitor Nationstar Molgage LLC vs. Case Number William B. Goetz 2009-6749 SHERIFF'S RETURN OF SERVICE 0110312013 04:15 P,\h-Deputy Ryan Burgett, being duy sworn according to law', states service was performed by posting a true copy of the requested Real Estate Writ, NOtiCE and Description,and Sale Fandbill in the above ti'led action, upon-.he property located at 375 St Johns Drive, Camp Hi.1, PA 17011, Cumberland County. 01/07/2013 04:58 PM-Deputy Noah Cline,being duly sworr acco-ding to law served the requested Real Estate Writ, Notice aid Description, in the above titled action,by making known its contents and at the same time personal y'hanJing a true copy to a person representing thenselves to be the Defendant,to wit: Wiliam 3. Goatz at 375 Eaint J:)hns Drive,Hampden Township, Camp Hill, PA 17011', Cumberland County. III SHERIFF COS-:1899.20 SO ANSWERS, -January 22, 2013 RbNt-rY R ANDERSON, SHERIFF C:)CountyStme Shetiff,Telemoft,Irrr. a � M EXHIBIT "B" NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPROPIATE BLOCK FOR POSTMARK AND DATE OF RECEIPT MILSTEAD&ASSOCIATES,LLC X Certificate Mailing Registerec'"" '" - - -- f �j woodland falls Uorporate Park ❑ Insured 220 Lake Drive East,Suite 301 ❑ COD ❑ With P, P Cherry Hill, NJ 08002 ❑ Certified Mail ❑ Withou gcP �p Line Number of Article Name of Addressee,Street,and Postage Fee Handling Act. y �� / , Post-Office Address Charge Value ? ��.p,TwGV QowGs I..; of Re is? 02 1 P $ 003.960 Nationstar Mortgage LLC f/k/a Centex 00031 71 068 MAY 31 2013 Home Equity Company,LLCM`/ 350 Highland Drive MAILED FROM ZIP CODE 08002, �•� ��'y f'- Lrw15Ville,TX 75067 2 Discover Bank c/o Eric.M.Herman PC 198 Allendale Road,Suite 306 King of Prussia,PA 19406 �- 3 Erin Capital Management,LLC 90 Williams Street,Suite 802 Ncw Yoik,14Y 10035 4 Northwest Consumer Discount Company _ 3401 Ngrt7.dRIP.T)rive.,Rnite 130 Camp Hill,PA 17011 5 Discover Bank 3311 Mill Meadow Drive Hilliard,OH 43026 Erin Capital Management,LLC s c/o Kenneth S.Shapiro,Esquire 33 Rock Hill Road, Suite 150 Bala Cynwyd,PA 19004 a 7 Tenant/Occupant 375 St.Johns Drive Camp Hill,PA 17011 0 Commonwealth of Pennsylvania Department of Welfare P.O.Box 2675 Harrisburg,PA 17105 9 Hampden Township Tax Office Attn: Michael Langan 230 South Sporting Hill Road !-- Mcchauiusbui ,PA 17050 Total Number of Pieces Listed by POSTMASTER,PER The full declaration of value is required on all domestic and Sender (Name of receiving employee) international registered mail. The maximum indemnity payable for nonnegotiable documents under Express Mail document C! reconstruction insurance is$50,000 per piece subject to a limit of $60,000 per occurrence. The moximum indemnity payable on Express Mail merchandise insurance is$500. The maximum indemnity payable is$25,000 for Registered Mail,$500 for COD I' and$500 Tor Insured Mall. s-p ecial handlin g charges apply only t o Third-and Fourth-Class parcels. Special delivery service also n includes special handlina service. PS FORM 3877 9.11,104/Goetz-Notice of Sale FOR REGISTERED,INSURED,C.O.D.,CERTIFIED,AND EXPRESS MAIL ii:' Page 2 of 3 NAME AND ADDRESS OF SENDER INDICATE TYPE OF MAIL CHECK APPROPIATE BLOCK FOR POSTMARK AND DATE OF RECEIPT MILSTEAD&ASSOCIATES,LLC X Certificate Mailing Registered Mail: I Affix stamp here if issued as certificate of Woodland Falls Corporate Park ❑ Insured r� 220 Lake Drive East,Suite 301 ❑ COD ❑ With Po Cherry Hill, N.I 08002 ❑ Certified Mail ❑ Without �cP�E'pOSl Line Number of Article Name of Addressee,Street,and Postage Fee Handling Act. Post-Office Address Charge Value 7nrwrY nowcc (If Regis.) - 02 1 P $ 002.200 1 Cumberland County Tax Bureau �, 0003171060 MAY 31 2013 �.; 3607 Rosemont Avenue — --w PO Box 656 ` c^ MAILED FROM ZIP CODE 0 8002 ,' G Camp Ilill,PA 17011 2 Department Domestic t of Destic Relations ti t Cumberinnrl Cnnnty C'nnrthnnse ji 13 N.Hanover Street y Carlisle,PA 17013o"� 3 Cumberland Count Tax Claim Bureau r =' 1 Courthouse Square Old CuurLliuusc,Run 106 Carlisle,PA 17013 ;r 4 C urnherland Vnlley School District Tax { Office Attn: Tax Collector il. 6746 Carlisle Pike Mechanicsburg,PA 17050 Wcst Short Tax Durcau 3607 Rosemont Ave R PO Box 656 Camp Hill,PA 17011 6 j 7 8 Total Number of Pieces Listed by POSTMASTER,PER The full declaration of value is required on all domestic and t Sender (Name of receiving employee) international registered mail. The maximum indemnity payable for nonnegotiable documents under Express Mall document reconstruction insurance is$50,000 per piece subject to a limit of $50,000 per occurrence. The maximum indemnity payable on Express Mail merchandise insurance is$500. The maximum • indemnity payable is$25,000 for Registered Mail,$500 for COD and$600 for Insured Mail. Special handling charges apply only to 'rd="and Fourth-Class parcels. Special delivery service also includes special handling service. F'S hOKIVI 3677 9.111 U4/GOetz NOtICB Of::S81e FOR REGISTERED,INSURED,G.O.D.,CERTIFIED,AND EXPRESS MAIL a, r.. Page 3 of 3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson F,1LE0-OFF Sheriff Iii i , ti,- �. z� rtr at Kara rrr�� i.: GTI1QN,o f)f,AF; s Jody S Smith 2�i 3 SAP 10 fa 1 €. 42 Chief Deputy Richard W Stewart CUMBERLAND COUNTY Solicitor OFFICE OF THE SKERIFF PENNSYLVANIA Nationstar Mortgage LLC Case Number vs. 2009-6749 William B. Goetz SHERIFF'S RETURN OF SERVICE 01/03/2013 04:15 PM -Deputy Ryan Burgett, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 375 St Johns Drive, Camp Hill, PA 17011, Cumberland County. 01/07/2013 04:58 PM -Deputy Noah Cline, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: William B. Goetz at 375 Saint Johns Drive, Hampden Township, Camp Hill, PA 17011, Cumberland County. 03/04/2013 As directed by Mary L. Harbert-Bell, Attorney for the Plaintiff, Sheriffs Sale Continued to 6/5/2013 06/03/2013 As directed by Mary L. Harbert-Bell,Attorney for the Plaintiff, Sheriffs Sale Continued to 7/10/2013 07/10/2013 Ronny R.Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, Carlisle, PA on July 10, 2013 at 10:00 a.m. He sold the same for the sum of$1.00 to Attorney Mary Harbert-Bell, on behalf of Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, being the buyer in this execution, paid to the Sheriff the sum of SHERIFF COST: $1,148.33 SO ANSWERS,, September 09, 2013 RON R ANDERSON, SHERIFF rd 4419- (c)CountySuite Sheriff,Teleosofl,Inc. a r a MILSTEAD&ASSOCIATES,LLC BY: Patrick J. Wesner,Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856)482-1400 Attorney for Plaintiff File No. 9.11104 Nationstar Mortgage LLC f/k/a Centex Home COURT OF COMMON PLEAS Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, No.: 2009-6749 I Vs. i AFFIDAVIT OF SERVICE William B. Goetz, PURSUANT TO RULE 3129.1 Defendant. Nationstar Mortgage LLC f/k/a Centex Home Equity Company, LLC, Plaintiff in the above entitled cause of action, sets forth as of the date the praecipe for writ of execution was filed the following information concerning the real property located at 375 St. Johns Drive, Camp Hill,PA 17011: 1. Name and address of Owners(s)or Reputed Owner(s): William B. Goetz 375 St. Johns Drive Camp Hill,PA 17011 2. Name and address of Defendant(s)in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Nationstar Mortgage LLC f/k/a Centex Home Northwest Consumer Discount Company Equity Company,LLC 3401 Hartzdale Drive, Suite 130 (Plaintiff herein) Camp Hill, PA 17011 350 Highland Drive Lewisville,TX 75067 Discover Bank Discover Bank c/o Eric M. Berman,PC 3311 Mill Meadow Drive i 9S e He-ndale-Read—, Suita 306 _uAliard, OH 430120 King of Prussia,PA 19406 Erin Capital Management,LLC Erin Capital Management,LLC 90 Williams Street, Suite 802 c/o Kenneth S. Shapiro,Esquire New York,NY 10038 33 Rock Hill Road, Suite 150 Bala Cynwyd,PA 19004 4. Name and Address of the last recorded holder of every mortgage of record: Nationstar Mortgage LLC f/k/a Centex Home Equity Company,LLC (Plaintiff herein) 350 Highland Drive Lewisville,TX 75067 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Department of Domestic Relations 375 St. Johns Drive Cumberland County Courthouse Camp Hill,PA 17011 13 N.Hanover Street Carlisle,PA 17013 Commonwealth of Pennsylvania Cumberland County Tax Claim Bureau Department of Welfare 1 Courthouse Square P.O.Box 2675 Old Courthouse, Rm 106 Harrisburg,PA 17105 Carlisle, PA 17013 Hampden Township Tax Office Cumberland Valley School District Tax Office Attn: Michael Langan Attn: Tax Collector 230 South Sporting Hill Road 6746 Carlisle Pike Mechanicsburg,PA 17050 Mechanicsburg, PA 17050 Cumberland County Tax Bureau West Shore Tax Bureau 3607 Rosemont Avenue 3607 Rosemont Ave PO Box 656 PO Box 656 Camp Hill,PA 17011 Camp Hill,PA 17011 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made sub' ct to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authori ' S. er, squire Attorney for ainti f Date: August 30,2012 MILSTEAD &ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 (856)482-1400 Attorney for Plaintiff File No. 9.11104 Nationstar Mortgage LLC f/k/a Centex COURT OF COMMON PLEAS Home Equity Company,LLC, CUMBERLAND COUNTY Plaintiff, No.: 2009-6749 Vs. NOTICE OF SHERIFF'S SALE OF William B. Goetz, REAL PROPERTY PURSUANT TO PA.R.C.P.3129 Defendant. TAKE NOTICE: Your house (real estate) at 375 St. Johns Drive, Camp Hill, PA 17011, is scheduled to be sold at sheriff's sale on March 6, 2013 at 10:00 am in the Commissioner's 'Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $515,355.20 obtained by Nationstar Mortgage LLC Oda Centex Home Equity Company, LLC. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To Prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To-find out how much you must pay,you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead&Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Milstead and Associates at 856-482-1400. 4, If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten ,(10)days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 9.11104 LEGAL DESCCRIPTION ALL THAT CERTAIN TRACT.OR PARCEL OF LAND AND PREMISES, SITUATE, LYING AND BEING IN THE TOWNSHIP OF HAMPDEN, IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT AN IRON PIN ON THE EASTERN SIDE OF ST. JOHNS DRIVE (FORMERLY POINT RIDGE DRIVE) AT THE CORNER OF LANDS NOW OR LATE OF KURVIN W. LAUER: THENCE NORTH 64 DEGREES 59 MINUTES EAST ALONG THE SAME 206.40 FEET TO A POINT; THENCE NORTH 25 DEGREES 01 MINUTE WEST, 7.6 FEET ALONG SAME, TO A POINT; THENCE NORTH 64 DEGREES 59 MINUTES EAST ALONG LOT NO. 64, REVISED PLAN OF SECTION NO. 3, POINT RIDGE FARMS, 88.28 FEET TO A POINT; THENCE SOUTH 29 DEGREES 39 MINUTES EAST, ALONG LANDS NOW OR LATE OF BARBARA ROGERS, 232.35 FEET TO A POINT; THENCE SOUTH 55 DEGREES 58 MINUTES WEST,ALONG SAME AND LANDS NOW OR LATE OF WATTS, 257.89 FEET TO A POINT; THENCE NORTH 33 DEGREES 17 MINUTES WEST, ALONG THE EASTERLY SIDE OF ST. JOHNS DRIVE (FORMERLY POINT RIDGE DRIVE) 102.65 FEET TO A POINT; THENCE NORTH 40 DEGREES 7 MINUTES WEST, ALONG SAME 168.80 FEET TO THE PLACE OF BEGINNING. Title to said Premises vested in William B. Goetz by Deed from William B. Goetz and Linda L. Goetz, hlw dated May 10, 2002 and recorded on May 20, 2002 in the Cumberland County Office of the Recorder of Deeds in Book 251, Page 3712. Being known as 375 St. Johns Drive, Camp Hill,PA 17011 Tax Parcel Number: 10-20-1846-175 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 09-6749 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NATIONSTAR MORTGAGE LLC f/Wa CENTEX HOME EQUITY COMPANY,LLC Plaintiff(s) From WILLIAM B. GOETZ (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant (s)or otherwise disposing thereof, (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $515,355.20 L.L.: $.50 Interest FROM 11/23/09 TO DATE OF SALE AT$11$.WVER DIEM(6%) Atty's Comm: % Due Prothy: $2.25 Atty Paid: $167.50 Other Costs: Plaintiff Paid: Date: 9/2, 12 David D. Buell,Prothonotary (Seal) Deputy REQUESTING PARTY: Name: PATRICK J. WESNER,ESQUIRE Address: MILSTEAD&ASSOCIATES,LLC 220 LAKE DRIVE EAST,SUITE 301 CHERRY HILL,NJ 08002 Attorney for: PLAINTIFF TRUE COPY FROM RECORD Telephone: 856-482-1400 In Testimony whereof,I here unto set my hand and the eat of said Co at Canis 2Pa. � Supreme Court ID No. 203145 This day of Prothonota On October 23, 2012 the Sheriff levied upon the defendant's interest in the real property situated in Hampden Township, Cumberland County, PA, Known and numbered as, 375 St. Johns Drive, Camp Hill, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: October 23, 2012 By: - r C � Real Estate Coordinator hid :8 V LZ d3S ligi 121 1 2 CUMBERLAND LAW JOURNAL Writ No. 2009-6749 Civil Nationstar Mortgage LLC vs. William B. Goetz Atty.: Mary L. Harbert-Bell ALL THAT CERTAIN tractor parcel of land and premises, situate, lying and being in the Township of Hamp- den, in the County of Cumberland and Commonwealth of Pennsylva- nia, more particularly described as follows: BEGINNING at an iron pin on the eastern side of St. Johns Drive (formerly Point Ridge Drive) at the corner of lands now or late of Kurvin W. Lauer: thence North 64 degrees 59 minutes East along the same 206.40 feet to a point;thence North 25 degrees 01 minute West, 7.6 feet along same,to a point;thence North 64 degrees 59 minutes East along Lot No. 64, revised plan of Section No.3, Point Ridge Farms, 88.28 feet to a point;thence South 29 degrees 39 minutes East,along lands now or late of Barbara Rogers,232.35 feet to a point;thence South 55 degrees 58 minutes West,along same and lands now or late of Watts, 257.89 feet to a point;thence North 33 degrees 17 minutes West,along the easterly side of St. Johns Drive (formerly Point Ridge Drive) 102.65 feet to a point; thence North 40 degrees 7 minutes West, along same 168.80 feet to the place of BEGINNING. Title to said Premises vested in William B. Goetz by Deed from Wil- liam B. Goetz and Linda L. Goetz, h/w dated May 10, 2002 and re- corded on May 20,2002 in the Cum- berland County Office of the Recorder of Deeds in Book 251,Page 3712. Being known as 375 St. Johns Drive, Camp Hill,PA 17011. Tax Parcel Number: 10-20-1846- 175. 53 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire,Editor of the Cumberland Law Journal, of the County and State aforesaid,being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 25, February 1, and February 8, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time,place and character of publication are true. Lisa Marie Coyne Editor SWORN TO AND SUBSCRIBED before me this --Sdav of Februga, 220013 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 28,2014 The Patriot-News Co. 2020 Teehnoldgy Pkwy e atr1*otwXews Suite 300 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; . That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community VVeekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. 2009.6749 civil This'ad ran on the date(s)shown below: Nationstar Mortgage LC Vs 01/22/13 W1111am B.Goes AW. Mary L.Harbert.Bell 01/29/13 ALL THAT CERTAIN `— 02/05/13 PARCEL OF LAND TRACTOR i SITUATE, LYBVG AND BEING S IN THE SHIP OF HAMPDEN, IN . . . . f... AND COUNTY O OMMO BERLgj OF PENNSYLV' WEALTH PARTI ' MORE Sworn to and ubscribed before me this 14 day of February, 2013 A.D. FOLLOWS. DESCRIBED AS BEGINN&G ATAN IRON PIN ON THE EASTERN SIDE OF ST.JOHNS DRIVE A T,E POINT RIDGE DRIVE) r a blic OR LATE OFKURVB�r ANDS NOW THENCE NORTH 64 DEGREES MINUTES EAST ALONG THE SAME. ' COMMO WEAL H OF PENNSYLVANIA 206.40 FEET TO A POINT. HENCE Notarial Seal NORTH 25 DEGREES 01 WEST 7.6 SET ALONG SAW Holly Lynn Warfel,Notary Public POINT;THENCE NO-3i 4A Am E TO A Washington Twp.,Dauphin county 59 MINUTES EAST ALONG --'REES My Commission Expires Dec:..12,2016 64,REVISED PLAN OF LONG LOT NO. MEMBER.PENNSYLVANIA ASSOCIATION OF NOTARIES POINT PRIDE FARMS, 88.28 FEET COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Nationstar Mortgage LLC is the grantee the same having been sold to said grantee on the 10th day of July A.D., 2013, under and by virtue of a writ Execution issued on the 25th day of September, A.D., 2012, out of the Court of Common Pleas of said County as of Civil Term, 2009 Number 6749, at the suit of Nationstar Mortgage LLC against William B. Goetz is duly recorded as Instrument Number 2013 2999 1. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ZQ day of A.D.2013 Recorder of Deeds