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HomeMy WebLinkAbout09-6810IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE IN THE COURT OF COMMON PLEAS OF CUMBERLAND CUMBERLAND COUNTY TAX CLAIM COUNTY, PENNSYLVANIA BUREAU ON SEPTEMBER 24, 2009 CIVIL DIVISION NO. 2009. t.610 PETITION FOR CONFIRMATION OF UPSET TAX SALE 1. Petitioner is the Cumberland County Tax Claim Bureau (hereinafter called "Bureau") created under the provisions of the Real Estate Tax Sale Law of the Commonwealth of Pennsylvania Act of July 7, 1947, P.L. 1368, as amended 72 P.S. § 5860.101 et sic. 2. On September 24, 2009 the Bureau held an Upset Tax Sale listing ninety-one (91) properties for the collection of delinquent real estate taxes. Of the properties offered eleven (11) received bids equal to or higher than the fixed upset price. A list of said properties is hereto attached as Exhibit "A". Of those eleven properties that received bids, the buyer of one property (sale no. 6) failed to pay their bid price, therefore that property will be offered again at the continued Upset Sale on December 10, 2009. 3. Also of the properties that were sold, sale no. 12 is to be confirmed but is expected to be voided due to an agreement between the property owner and the buyer in which all taxes levied against the property would be paid in full. 4. Notices of the Sale were sent by certified mail, restricted delivery, returned receipt requested to each reputed owner as listed in Exhibit "A". 5. For properties where a return receipt was not received from each owner or reputed owner at least ten (10) days before date of Upset Sale, similar notice of Page 1 of 3 the sale was sent, to each owner who failed to acknowledge the first notice, by United States first class mail. 6. In accordance with the Real Estate Tax Sale Law, advertisement of the Upset Tax Sale was made at least thirty (30) days prior to the original scheduled sale date in at least two newspapers of general circulation and the Cumberland Law Journal. Proofs of publication are attached hereto as Exhibit "B". 7. Personal service by the Cumberland County Sheriff's Office was served on the owner occupied properties as defined in Section 102 of the Pennsylvania Real Estate Tax Sale Law. 8. The properties listed by tax parcel in Exhibit "A" were duly posted by the Cumberland County Sheriffs Office or the County Assessment staff. 9. For properties that were sold, a notice that the property was sold was sent certified mail, restricted delivery, return receipt and also regular U.S. mail to each owner at his or her last known mailing address by the Bureau within thirty (30) days following the sale. 10. Your petitioner respectfully requests that the Court's Confirmation Nisi provide that a consolidated notice regarding properties sold on September 24, 2009 be published once in the Cumberland Law Journal, and The Patriot News within ten (10) days of the date of the Confirmation Nisi, and that any exceptions or objections thereto be filed within thirty (30) days of the Court's order. Page 2 of 3 WHEREFORE the Bureau respectfully requests your Honorable Court to enter an Order Confirmation Nisi in accordance with this Petition. Dated: Stephen D. Tiley, Esquire Assistant Cumberland County Solicitor 5 South Hanover Street Carlisle, Pennsylvania 17013 717 243-5838 VERIFICATION I, Melissa F. Mixell, Tax Claim Director, depose and say that the facts set forth in the foregoing Petition for Confirmation-nisi of Upset Tax Sale are true and correct based partly upon personal knowledge and the remainder upon information and belief; I understand that this Verification is made subject to the penalties of 18 PA.C.S. § 4904, relating to unsworn falsification to authorities. Dated: (, /? ?Uoy -( 1. 7 \-7 Melissa F. Mixell, D r. Page 3 of 3 D Cl) m i6 m z m A y X D X o CD CJi (fi z N w Q v o C .'. m °-' Cl) Q 2 D 0 ZZ 90 n n Or X z m r 3 z m m O V tD A co n O z z c m 0 9I m z W m 90 C v_ x o ?; 5? 3 z N rn m r, °w n `m N C,j -? o D K m n m T ? m O W O OD 1 1 0 O C/) Z D z v m T T N mm v CO m V O 1 9 co m v T o X o v w N m m m n;0 Z ? 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N cc d CA m N r r m O D v rn w A z cS ;u ?c a) A a z cD O3 a m O O T O r m oz a O c z D o z m m n m z O W O 1 1 N 0) °' Cn I C) (/J D a) m m fD it m v O ? c o O, r N m N Q ` 0 W ? CT fD N ? Q rn 2 W fD A (p? z W V? a 7 r- 0 0 O ° c m ? co m r N n c 0 o ? m 7 d co S: m m c m m 2 C/) n U D m .D v D z a) a O D Z n f? N O 1a m i I f S r? j mmmi i i co O W co ozi m 2S 1 mD W x pm ?O rc G) P W 5' c 'D O Gz m n m 1 1 Cl) v m m ou X 7 ?t m O D z Q. 2 W y r ? co Z D A n z 2 N' r W O o m `O o rn 2 rn r O O 0 0 ? O I ] ] p j 2 ;, m n m z c v a C? c N v ? Cn ?j W fD D T 701 m a m v v PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. 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 July 17, 2009 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Jo- urial, 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. S TO AND SUBSCRIBED before me this 17 day of July, 2009 Notary NOTARIAL SEAL DEBORKH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY Mp Commission Expires Apr 23, 2010 T•a? The,Patrlot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 CUMBERLAND COUNTY, TAX CLAIM BUREAU ONE COURTHOUSE SQUARE ROOM 106 CARLISLE PA 17013 Zh¢ atriotwNew s Now you know 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 Leslie Kramer, 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 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, 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/ Metro 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. PUBLICATION COPY This ad # 0001990235 ran on the dates shown below: ii f r July 17, 2009 . . . . . . . . . . . ?.4.. . .? ?Y'? . f Sworn ttandibed before m this d' o %July, 2009 A.D. Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sherrie L Kisner, Notary Public I City Of Harrisburg; Dauphin County My commission Expirw.. Nov. 25, 2011 Member, Pennsylvania Association of Notaries T"a iat-News Co. 812 Market St. Harrisburg, PA 17101 inq a,iiries - 717-255-8213 CUMBERLAND COUNTY, TAX CLAIM BUREAU ONE COURTHOUSE SQUARE ROOM 106 CARLISLE PA 17013 the Patr1*otwXew( Now you know 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 Leslie Kramer, 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 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, 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/ Metro 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. PUBLICATION COPY This ad # 0001990233 ran on the dates shown below: July 17, 2009 ........... iil'? ..... . r ;Sworn to ar d s 4scribed before Vth??l a 'f July, 2009 A. D. ! Notary Public 00WO"SAI.TrOF YLVAIN Sherris L. V r,1ary public ' Cit} df "aftbUrg, y commissin't s Nov Ift 2 OS f f?iember, Fennsutvaria ps-Soaatior, OF Notaries ?HIBIT B The Patriot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 CUMBERLAND COUNTY, TAX CLAIM BUREAU ONE COURTHOUSE SQUARE ROOM 106 CARLISLE PA 17013 c'?eatr iotwxtw 5 Now you know 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 Leslie Kramer, 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 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, 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/ Metro 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. PUBLICATION COPY This ad # 0001990231 ran on the dates shown below: July 17, 2009 Sworn to and Lbscribed before me thi 21 da oyJuly, 2009 A. D. Note Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sha+'rie L, Kisner, Notary Public City OF:Hgnsburg; Dauphin County iAy Cw niasior, t=_xpires Nov. 25, 2011 I flN*nttf ytvania Association of Notaries EXR-IBIT-8 PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Tames Kleinklaus, Advertising Operations Director of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s): Tuly 14, 2009 COPY OF NOTICE OF PUBLICATION Affiant further deposes that he/she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of publication are true. _ Sworn to and subscribed)I before me this Notary Public My commission expires: gMSALOF PEMSYLV W MOTARML SEAL i "I,AMS ANN HECKEN0ORK Notary Public . I co Cumbwlend Courkv (?',' 'January 10 Fit F it A 07 THE T 3"F C?? _ 'a d? I t OCT 1s 2oot n IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009 - 6,810 ?tC ORDER OF CONFIRMATION NISI AND NOW, this I3 day of tQ 2009, upon consideration of the within Petition of Confirmation of an Upset Tax Sale it is ordered and decreed that said Sale by the Cumberland County Tax Claim Bureau shall be confirmed absolutely unless any objections or exceptions to the Sale are filed on or before thirty (30) days from the date hereof. The Cumberland County Tax Claim Bureau shall publish a general notice describing by address the property sold, the name of the prior owner(s) or reputed owner(s), the fact that the property was sold at Upset Sale on September 24, 2009, the filing of the within Petition for Confirmation of Upset Sale, and providing that the Sale will be confirmed absolutely and finally unless objections or exceptions to the Sale are filed on or before thirty (30) days from the date hereof. Said notice by the Cumberland County Tax Claim Bureau shall be published once in the Cumberland Law Journal and The Patriot News within ten (10) days of the date of this Confirmation Nisi. Any objection or exception to this Confirmation Nisi must be filed within thirty (30) days of the date hereof. OF INr RP0 '- , 'OTARY 2009 OCT 13 Pry t{: 17 r_.N + NSYLV,'\ !A t IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009 - 6810 Civil Term EDGAR B. BAYLEY, P.J. PETITIONERS' OBJECTIONS AND EXCEPTIONS PURSUANT TO 72 P.S. 45860.607 AND PETITIONERS' PETITION TO SET ASIDE THE UPSET TAX SALE Joseph S. Palmerson, Joan Palmerson, and Joseph S. Palmerson, through their undersigned attorneys, files objections and exceptions pursuant to Section 5860.607(4) of the Pennsylvania Real Estate Tax Law, 72 P.S. § 5860.607(d), and petitions this Honorable Court to set aside the Upset Tax Sale of their property and in support thereof represents: 1. Petitioner Joseph S. Palmerson is a married individual, who currently resides at 80-35 263rd Street, Floral Park, NY 11004 and who is one of three record owners of 22 Court Lane, Carlisle, PA 17013. 2. Petitioner Joan Palmerson is a married individual, who currently resides at 80-35 263rd Street, Floral Park, New York 11004 and who is one of three record owners of 22 Court Lane, Carlisle, PA 17013. 3. Petitioner Joseph S. Palmerson is a single individual, who currently resides at SAMIS, FLOWER & LIlVDSAY ertotNEvs-nruw 26 West High Street Carlisle, PA 80-35 263rd Street, Floral Park, New York 11004 and who is one of three record owners of 22 Court Lane, Carlisle, PA 17013. 4. Respondent is the Cumberland County Tax Claim Bureau (hereinafter referred to as "Bureau") created under the provisions of the Real Estate Tax Sale Law of the Commonwealth of Pennsylvania Act of July 7, 1947, P.L. 1368, as amended 72 P.S. § 5860.101, et seq. 5. On October 13, 2009, Bureau filed a petition for confirmation of upset tax sale. 6. On October 13, 2009, the Honorable Judge Bayley issued an Order of Confirmation Nisi, which triggered the thirty (30) day period to file objections. 7. On September 24, 2009, Bureau exposed Tax Parcel ID 06-18-1371-002- U78, also known as 22 Court Lane, Carlisle, Pennsylvania, for sale at the September 2009 Upset Tax Sale for failure to pay delinquent taxes from a 2006 Interim Tax Bill. 8. In Bureau's Petition for Confirmation of Upset Tax Sale, the sale of Tax Parcel ID 06-18-1371-002-U78, known as 22 Court Lane, is referred to as Sale 45. 9. On September 24, 2009, Michael John Higgins and Lynne D. Pickens, of 332 Warm Springs Road, Landisburg, Pennsylvania 17040 purchased the aforesaid property at the Upset Tax Sale. 10. Joseph S. Palmerson, Joan Palmerson, and Joseph S. Palmerson (hereinafter SAIDIS, FLOWER & LINDSAY ATIORNEYS.AT.IAW 26 West High Street Carlisle, PA referred to as "Petitioners") are the record owners of the aforesaid property pursuant to a Deed dated August 31, 2006 and recorded on September 5, 2006 in the Office of the Recorder of Deeds in Cumberland County in Deed Book 276, Page 2428. The deed lists as grantees Joseph S. Palmerson and Joan Palmerson, husband and wife, and Joseph S. Palmerson, single person. A true and accurate copy of the deed is attached as Exhibit "A." 11. The mortgage dated August 31, 2006 and recorded on September 5, 2006 in Mortgage Book 1964 Page 3777 in the Office of Recorder of Deeds in Cumberland County lists Joseph S. Palmerson, an unmarried man, Joan Palmerson, a married person, and Joseph If S. Palmerson Sr., a married person, as the individuals who borrowed against the aforesaid parcel known as 22 Court Lane. A true and accurate copy of the mortgage is attached as Exhibit "B." 12. The Satisfaction of Mortgage dated January 30, 2009 and recorded on February 18, 2009 as Instrument No. 200904389 lists Joseph S. Palmerson, Joan Palmerson and Joseph S. Palmerson, Sr. as mortgagees. A true and accurate copy of the Satisfaction is attached as Exhibit "C". 13. Pursuant to Section 602(e)(1) of the Real Estate Tax Sale Law, 72 P.S. § 5860.602(e)(1), the Bureau is required, "at least thirty (30) days before the date of the sale" to serve notice "by United States certified mail, restricted delivery, return receipt requested, postage prepaid, to each owner." 14. Pursuant to Section 602(e)(2) of the Real Estate Tax Sale Law, 72 P.S. § 5860.602(e)(2), if return receipt is not received from each owner, then at least ten (10) days before the date of the sale, notice of the sale shall be given to each owner at his last known address. 15. Bureau was not in strict compliance with the notice requirements of Section 602(e) of the Real Estate Tax Law, 72 P.S. § 5860.602(e), in the following manner: a. Bureau failed to mail the thirty day notice to each owner as SAIDIS, FLOWER & LINDSAY ATTORNEYS-AT lAW 26 West High Street Carlisle, PA required by 72 P.S. § 5860.602(e)(1). Bureau only mailed the required thirty (30) day notice to two of the record owners (the petitioners) of the property. A true and accurate of the Bureau's Sale Notice Mail Book page 3 dated July 2, 2009 and time stamped by the U.S. Postal Service on July 8, 2009, which clearly shows that notice was only mailed to two of the Petitioners, is attached as Exhibit "D." A true and accurate copy of the returned mail of the thirty (30) day Notice of Public Sale mailed only to two of the Petitioners is attached as Exhibit "E." b. Respondent failed to mail the ten (10) day notice as required by 72 P.S. § 5860.602(e)(2) to each record owner when no return receipt was received from any of the petitioners. A true and accurate copy of the Bureau's Proof of Sale Mail Book page 4 dated August 31, 2009 and time stamped by the United States Postal Service on September 1, 2009 is attached as Exhibit "F" C. Bureau failed to properly post the property prior to the sale in accordance with 72 P.S. § 5860.602 of the Pennsylvania Real Estate Tax Sale Law. 16. Bureau failed to make reasonable efforts to ascertain the identity of owners of the aforesaid property, in accordance with Section 607a of the Real Estate Tax Sale Law, 72 P.S. §5860.607a, when it received notification that the mailed notice was returned without required receipt, personal service was not made on any owner, and none of the notices were acknowledged in any respect. 17. Bureau, in accordance with 72 P.S. §5860.607a, failed in its duty to make a SAMIS, FLOWER & LINDSAY ATR)RNEr,AT•uw 26 West High Street Carlisle, PA reasonable effort to ascertain the identity and mailing address of the petitioners in the following respects: a. Bureau, in their Additional Notification Efforts, states that on August 19, 2009, it conducted an accurint person search which confirms that all three petitioners reside at 22 Court Lane, Carlisle, Pennsylvania. A true and accurate copy of the Bureau's Additional Notification Efforts is attached as Exhibit "G." b. An accurint person search, conducted October 5, 2009, clearly shows that 8035 263rd Street, Glen Oaks, NY 11004 is an alternative address for all three Petitioners; therefore, the Bureau failed in its duty to mail notice of the impending Upset Tax Sale to this alternative address. A true and accurate copy of the October 5, 2009 Accurint person search is attached as Exhibit "H." C. Bureau was aware that the taxes for 2007 and 2008, were paid by Chase Home Finance, LLC, and had a duty and failed to inquire of the local tax collector as to whether there was a commercial mortgagee who had been assuming responsibility for taxes on the aforesaid property. d. Bureau failed in its duty to contact the property's Homeowners' Association, Courtyards of Carlisle Unit Owners' Association in care of Sterling Property Management, to ascertain the forwarding address for the Petitioners. The Courtyard Homeowners' Association had the alternative New York address on record. 18. The Upset Tax Sale of the aforesaid property is a deprivation of the owner's SAIDIS, FLOWER & LENDSAY ArFORVEIS-AT uw 26 West High Street Carlisle, PA property without due process of law in violation of the Constitution of the Commonwealth of Pennsylvania and the Constitution of the United States of America. 19. Based upon the foregoing petition, the Upset Tax Sale should be set aside and voided and the bid price should be refunded to the purchaser, Higgins. WHEREFORE, Petitioners request that this Court enter a rule on the Respondent, Cumberland County Tax Claim Bureau, to show cause why Sale No. 5 of the Upset Tax Sale on September 24, 2009 should not be set aside and voided. Respectfully submitted, SAIDIS, FLOWER & LINDSAY SAIDIS, FLOWER & LINDSAY ATIORNEVS•AT uw 26 West High Street Carlisle, PA Date: A (L ? By: on E. Kelso, Esquire Identification No. 209107 26 West High Street Carlisle, PA 17013 717-243-6222 Attorney for Petitioners ..540 > 'E*T F: VIEGLER RECOR-DE P. OF DEEDS DEED ZW SEP 5 M 1018 MADE THE ,1d--- day of in the year of our Lord Two Thousand Six(2006) BETWEEN COC ASSOCIATES a Pennsylvania Limited Partnership, hereinafter referred to as (Grantor) and JOSEPH S. PALMERSON and JOAN PALMERSON, husband and wife, and JOSEPH-S. PALMERSON, single person of Cumberland County, Pennsylvania hereinafter collectively referred to as (Grantees) WITNESSETH, that in consideration of One Hundred Sixty-one Thousand Three Hundred Nineteen Dollars and 00/100 ($161,319.00) in hand paid, the receipt whereof is hereby acknowledged, the said grantor does hereby grant and convey to the said grantees, their heirs and assigns as tenants by the entireties as to husband and wife and tenants in common as to parent and child: ALL THAT CERTAIN Unit in the property known, named and identified in the Declaration referred to below as "The Courtyards of Carlisle, A Condominium Community", located in the Borough of Carlisle, County of Cumberland and Commonwealth of Pennsylvania which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa.C.S.A. Section 3101, et seq., by the recording in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, of a Declaration dated February 26, 1999, and recorded April 22, 1999, in Miscellaneous Book 610, Page 678, together with all amendments and supplements thereto recorded on or before the date hereof and designated as Unit No. 78 as more fully described in such Declaration, together with the proportionate undivided interest in the Common Elements as defined in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record including, but not limited to, those contained in the Declaratlon and Declaration Plan. BEING part of the same premises which James S. Hall, by deed dated April 8, 1998, recorded April 9, 1998, in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Record Book Volume 175, Page 88, granted and conveyed unto COC Associates, a Pennsylvania Limited Partnership, Grantor herein. . . • • AND the said Grantor hereby covenants and agrees that it will warrant specially the property hereby conveyed. IN WITNESS WHEREOF, said grantor has hereunto set its hand and seal the day and year above written. SIGNED, SEALED AND DELIVERED IN THE PREXI ICE_OF Eddie P. Dark`, Secretary : COC ASSOCIATES, : A PENNSYLVANIA LIM : By: COC, INQPrits spro . By:. Eddie COMM@ WI=-ALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND : SS PARTNERSHIP feral partner i On this, the vg ydal-y of li4'j-04' , 2006, before me a Notary Public, the undersigned officer, personally appeared Eddie P. Drogaris who acknowledged himself to be the President of COC, Inc., the sole general partner of COC Associates, A Pennsylvania Limited Partnership, and that he as such general partner being autho ' ?to do so, executed the foregoing instrument for the purposes therein contained b ?? signing the name of the said Corporation by himself as such President. IN WITNESS WHEREOF, I hereunto set n_y hand and official seal. NOTARIAL SEAL LZAAV Gk34? Melody J. Mardn, Notary Public west W T"., UWASW Coumy ?? he precise residence and complete add;gs?f the within named grant Attorney for Grantee COMMONWEALTH OF PENNSYLVANIA: County of :ss Est office t';?' RECORDED on this day of A.D. 2006, in the Recorder's office of the said County, in Deed Book Vol. Page I Certify this to Piven under my hand and the seal of the said In Cu.mb?rland County p ?te above written. .Recorder. . i' .a .- ?Nl $mom ~ N Ff v ?r g O? 4 u w ibOK ?2 7i 6 PACE2430 Prepared By: Joanne Beaker, zvA Bone Loans 3000 Leadenhall Road /fount Laurel, NJ 08034 (866) 471-6683 Return To: M& BMW Loans 2001 Bishops Gate Blvd. Mount Laurel, NJ 08034 weEAT F. zlFac.,&* * __.. RECORDER. OF DEEDS W BE? 5 RM 10 19 Parcel Number: Premises: 22 COURT LmM UNIT 78 GI=WA ISpaee Abaw Tbb Lim For Remrdlq Dad) MORTGAGE DEFINITIONS MIN 100020000390463432 Words Used in multiple sections of this document are defined below sad other words are defmad in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words and in this document are also provided in Section 16. (A) "Seesdty IaW meat" means this document, which is dated 7?ngttat 31, 2006 tosather with all Riders to this document. (B) "Bwmwer" is Joseph 8 Palaerson, ]1M unaBRX= MM, Joan Pslaersoa, A MARAIZD MBCM, Joseph 8 Palaerson SR, A 1N1111= PiRaw Borrower is the mortgagor under this Security Insnvment. (C) "?*e " is Mortgage Electronic Registration Systems, Inc. MERS is a sqwft acting solely as a nominee for Lender and Lender's successors and aesi men that is gw. M1dRS Is the morltagee Mader till Sacarlty Instraneat, MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P. 0. Box 2026, Flint MI 48501-2026, tel. (888) 679-MEAS. M361 VANIA - 31nyls FemNy - FaWs Madnedb Mae UN8'DIIM NSMMBVT WITH MM tjiA(PA) psop /P pop i of 16 il VN P M-91P sA *km. Imo. (000)6 ? Fain 3039 1101 (D) "Leader" is ZRA Home Loans Lender is a conmration organized and etiating under the laws of Dalarass L.eadee5 address is 3000 Leadenhall (load Mount Laurel, NJ 06054 (Z) "Note" M-- the Ply mote Signed by Borrower and dated A-IM.t 31, 2006 The Note states that Borrower owes LenderO a Hundred Trsnty-Niue Thousand rifty-!iw Dollars and Twenty cants Dollars (U. S. S 129, 055.20 ) plus interest. Borrower has promised to pay this debt is regular Periodic Payments and to pay the debt in Hill not later than SWtmber lot, 2021 (M "Ptn wW' means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Lose" mew the debt evidenced by the Note, plus iatereat, any prepayment charges and lme charges due under the Note, and all an= due under this Secwity barament, plus interest. (ED "Riders" moms all Riders to this Security Instrument that an executed by Borrower. The following Riders are to be executed by Borrower [check box aS applicsblej: Adjustable Rate Rider P Condominium Rider Second Home Rider Balloon Rider Planned unit VA Rider Payment Rider 'Rider I t Family Rider Biweekly Payment Rider Other(s) IsPcoifYj M "Applicalsle Law" means all controlling cable and administrative rules and Orders (that Lave the eflb Of?law) and local 93 well a statutes, aaPplialle final, noo-aPPalablejudicial opinions. (.n "Coausaalty Association Does, Fees, and Annuamp" means all and other charges that are imposed on Borrower or the Property by a dun, condominium fO0 association aciation wmts association or similar , h homeowners c(he k, ? or sidl- lkaoder" mew any trwfer of fonds, other d um a wingution originated by Paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, err tnegnedc tape so as to order, instruct, err 11416orim a financial institution to debit or credit an accoxmt. Such term ' includes, but is not limited to, Point of-sale cwme machine transactions, transfers initiated by telephone, win trwfers, and automated automated teller transfers. clearinghouse ( "RaeSss ba " iroeoe ? items that are described in Section 3. m " m smt any compematioa. Settlement, award of d by any third party (other than inntrmce procesds paid under the coverages described in es' ec on 5) proceeds prod damage to, or destruction of, the condemnation or other taking of all Section a for: he Property. (iii) conveyance property. (u) ; _ (iv) ah or any pats of the in lieu of ondenmation; or (iv) misrepresentations ol; or omissions as to, the value and/or condition of the Property. the)"MsstlaW lulummm" means inanrance protecting Lender against the nonpayment of, or dcf&Wt on, (D) "ParMdFe Payn-V means the regularly scheduled amount due for (i) principal and interest under the Note, Plus (ii) any amounts under Section 3 of this Security Instrument. 4%-GA(PA) pso2i rr ecru rs• t a Is Feem 3099 1101 M "BUPA" menus the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing res?ulation, Regrmlation X(?4 C.F.R. Part 3500), as they might be amended from time is for any additional or successor legislation or regulation that governs the same subject matter. As used " Security Instrument, "RESPA" radars to all requirements and restrictions that are imposed in regard loan" under yR ?A mortgage loan" even if the Loon does not qualify as a "federally related mortgage (Q) "Suocssasr In Ife6xnst of Borrraww" mans any party that has taken title to the whether not that party has assumed Borrowe" a obligations under the Note and/or this Security I yostrumm' or TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument somm to Lender: ()) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrowe's covenonts and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERE (solely ss nominee for Lender and Lender's successors and assigns) and to the successom and as of CMEZOLUM signs of MERS, the following described property located in the Comm rrype of Rewarding JariWkdonj (Nerve of Roeardirg Modietim]: which Currently has the address of 22 COMT LAM tWIT 78 („ ChMWA Pry Address"): (City), Pennsylvania 17013 [zip Code] TOGETHER WITH all the improvarnmb now or hereafter erected on > property, and all ce"emen", app and Sxt res now or hereafter a port of rty. All replacements and additions A =Mh-4 overed by this Security Instrument All of the Sewn hnitrnmant as the "P " and agree t is referred to Bwowei understands in this gal title to the stwweats by ger r in hat only with 1 $07' Instrument, but. if neoewry to comply with !sw or Custom, MERE ea nou i=* for Lender and LwAee's successors and assess) has the . to exercise any or all of those interests, including, but not limited to, the right to forac( and all take any action required of Leader including, but not limited to, Messing mayand to Instrument. 0prand canceling this Security 4%iA(PA)0602i Msar ray Roar a or is Form 1050 1101 1964P5377s BORROWER COVENANTS that Borrower is lawfully seised of the estate hanby conveyed mend has the right to mortgage, grant and convey the Property and that the Property is una?aunbared, except for encumbrance of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument eovaing real property. UNIFORM COVENANTS. Harrower and Leader covenant and agree u follows: 1. Payment of Principal, Interest, WAraw Itass, Prepayeeart Charges, amid Lac Charges. Borrower shall pay when due the principal of and interest on, the debt evidenced by the Note and any prepayment charges and late charge due under the Note. Borrower shall also pay finds for Escrow Items pursuant to Scam 3. Payments due under the Note and this Security Instrumtmt shall be made in U.S. currency. However, if any check a other instrument received by Lander a payment under the Note or this Security Instrument is returned to Lender unpaid, Leader may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, book check, treaurces check or cubie's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deaned received by Leader when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section I S. Lender may return any Paynteat or partial Payment if the payment or partial Payments are insufficient to bring the Loss current. Lender may accept any payment of partial payment iawfliciant to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Linda is not obligated to apply such psyme m s at the time such payments are Accepted. If each Periodic Payment is applied a of its scheduled due date, than Lender need not pay interest on unapplied funds. Lender may bold such unepplied funds until Borrower make payment to bring the Loan current. If Borrower doe not do so within a reasonable period of time, Lender shall either apply such funds or ret rn then to Borrower. If not applied earlier, such finds will be applied to the outstanding Principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lander shall relieve Borrower frown making payments due under the Note and this Security Instrument or performing the covaunts and agreements secured by this Security Instrument. 2. APPYestlon of PaYaasats or Proceeds. Except a otherwise described in this Section 2, all payments accepted and applied by I ender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments stall be applied to each Periodic Payment in the order in which it become due. Any remaining amounts shall be applied first to lace charges, second to amy other amounts due under this Security Iustrumment, and them to reduce the principal balance of the Note. If Leader receives a payment from Harrower for a delinquent Periodic Payment which includes a autTtciew amount to Pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any Payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment -4A(PA) pso2) Pp e t ma hM?lc F/ormp]O?f 1/01 v// can be paid in W. To the extent that any excess; axis after the payment is applied to the full payment of one or rose Periodic Payments, such excess may be applied to any late charges dne. Voluntary prepayments shall be applied 11M to any prepayment Charges and than as described in the Note. Any application of psymrnti, insurance proceeds, or Miscellaneous Prooeeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Paymenta. 3. Fade for Macros Iteass. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in ftdl, a mum (the "Funds") to provide for payment of amounts duc for: (a) tun and assessments and other items which an attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leembold payments or ground rents on the Property, if any; (c) pramiuma for any and all insurance required by Leader under Section S; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lander in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the tam of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly tlraish to Leader all notices of amounts to be paid under this Section. Borrower dull pay Leader the Funds for Escrow Items unless Lender waives Borroweea obligation to pay the Funds for any or all Escrow Items. Leader may waive Borrower's obligation to pay to Leader Foods for any or all Escrow Item at any tint. Any such waiver may only be in writing. In the event of such waiver, Borrower abed pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Fu n& has been waived by I.emder and, if Leader requires, shall furnish to I ender receipts evidencing such payment within such time period a Lender may require. Borrower's obligation to make such payments and to provide receipts dell for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Leader may exudes its rights under Section 9 and pay such amount and Borrower shall than be obligated under Section 9 to repay to Leader any such amount. Lender may revoke the waiver u to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon aleh revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Linda may, at say time, oollect and bold Funds in an amount (a) axffma t to permit Leader to apply the Funds at the time specified under RBSPA, and (b) not to exceed the maxiumm amount a lender con require under RESPA. Lander shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of !blare Escrow Items or otherwise in accordance with Applicable Law. The Funds shill be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Leader, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Batik. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lander shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or vardying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Leader to snake such a charge. Unless; an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lander shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest 4%4A(?A) Neat) IID r+aek Pia" 6 d e• Fee ,10,10 1101 awk 19 64 P!63= B' I" WWI be paid on the Funds. Lender shall give to Bonewror. without charge, as annual accounting of the Funds as required by RBSPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Harrower for the excess binds in accordmoe with RESPA. if there is a shortage of Funds held in escrow, s defined under RESPA, Leader shall notify Borrower as required by RESPA, and Borrower shall pay to Leader the amount necessry to make up the 81=08e in accordance with RBSPA, but in no mare than 12 monthly payments. If there is a deficiency of Funds hold in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Harrower shall pay to Lender the amount necessary to matte up the deficemW in accordance with RESPA, but in no more than 12 monthly payments. Upon Payment in full of all sums ft- W by On Security Intrument, Lander shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Was. Borrower shall pry all taxes, assessments, charges, fines, and impositions attributable to the Property which coo attain priority over this Security Instrument, lanaboid payments or ground rents an the Property, if any. and Community Association Duea. Fees, and Asaaaments, if any. To the extent that these itats are Escrow Items, Borrower shall ]ay then in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borr ower: (a) agree in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing anti egreanmt; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while than proceedings are pending, but only until such proceedings are concluded; or (c) secures from the bolder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determine that my part of the Property is subject to a lien which an attain priority over this Security Inanumamt, Lender tiny give Borrower a notice identifying the lien. Within 10 days of the date an which that notice is given, Borrower shall US* the Ban or take one or more of the actions set forth above in this Samoa 4. Leader may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Lam S. Property ImwwwL Borrowa shall /map the improvements now existing or hereafter erected on the other Property insured against loss by fire, hazards included within the fain "extended coverage," and any Including, but not limited to, earthquakes and floods, for which Lender requires insurance. This Inalranee shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender require pursuant to the preceding sentences an change during the tam of the Loan. The insmana carrier providing the inewamce shall be chosen by Borrower subject to Leader's right to disapprove Borrowees choice, which right WWI not be exercised unreasonably. Leader may require Borrower to pry, in oomaeation with this Loam, either: (a) a one-time charge for flood zone deterntination, catifiation and traeldug services; or (b) a one-time charge for flood acne determination and certification services and subsequent charges each time rmappings or similar chmges occur which reasonably might affect such datetnina an or eatifiation. Borrowers shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. 4%roA(PA) pso2) As• a a s rem Form 3639 1101 K '?p Ewa ;Vy If Borrower fait to maintain say of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bormwer'a expense. Leader is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Leader, but might or might not protect Borrower, Borrower" s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or Inner coverage than was previously in effect. Harrower acknowledges that the coot of the iowrance coverage to obtdned right Agodk ntly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Leader under this Section S shall become additional debt of Borrower secured by this Security %strumant. These anions shall bar interest at the Note rate from the date of ditburmment and shall be payable, with each interest, upon notice from Leader to Borrower requesting payment. All moureaoe policies required by Leader and renewals of sucb policies shall be subject to Lender' a right to disapprove such policies, shall include a standard mortgage chose, and shall nun Lender as mortgagee and/or a an additional loss paya. Leader shall have the right to hold the policies and renewal catifiwas. If Lender requires, Borrower shall Ixompdy give to Laodw all receipts of paid premiums and renewal notices. If Borrower obtain any form of insurance coverage, not otherwise required by Leader, for damage to, or destruction of the Property, such policy shall include a standard mortgage clause and shall name Larder as mortgagee and/or as an additional low payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Leader. Leader may nuke Proof of loss if not made promptly by Borrower. Unless Lander and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Leader, shalt be applied to restoration a repair of the Property, if the restoration or repair is economically fasible and Leader's security a not Intoned During such repair and restoration period, Lander shad have the right to bold such insurance proceeds until Leader has bad an opportunity to inspect sorb Property to ensure the welt bas been completed to Leader's satisfaction, provided that such inspection shall be undertaken promptly. Leader may disburse proceeds for the repairs and restaation in a single payment or in a series of progress payments a the work is completed. Union an agreement Is trade in writing or Applicable Law requires interest to be paid on web imnrsace proceeds, Lender shall not be required to pay Borrower any interest or awnings on a" proceeds. Pen for public adjusters, or other and patties, retained by Borrower shall not be paid out of the insurance Proceeds and shall be the sole obligation of Borrower. If the restoration of repair is not economically feasible or Lender' a security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance Proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the property, Lender may file, negotiate and settle any available iuuuranc0 claim std related matters. If Borrower does not respond within 30 days to a notice f von Lender that the insurance carrier has offered to settle a nun, am Lander may negotiate and settle the claim. The 30-day period will begin when the notice is giro. In either avail, or if Lesdar acquires the dy? under Section 22 or otherwise, Borrower hereby assigns to Leader (a) Botrowee ss rights to aninsurance Proceeds in an amount not to exceed the amounts unpaid under the Now or this Security Instrument, and (b) any other of Borrower s rigbts (other than the right to say refund of unearned Premium paid by Borrower) under all in-=- policies covering the Property, moofar as such rights are applicable to the coverage of the Property. Lender my use the iruartoce proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrmnsa% whether or not then due. 4ft4A(pA) Psa21 np ra +e Form 30311 1I01 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal raldenee within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at kart one yew after the date of occupancy, union Lender otherwise agrees in waiting, which consent shad not be unreasonably withheld, or union extenuating ciramranoa exist which are beyond Basrowee s control. 7. Preservation, Mnlatsnana and Pretadlags of the Property; lagwtdan. Borrower shall not destroy, damage or impair the Property, allow the property to deteriorate or corrmit waste an the Property. Whether or not Borrower is raiding in the Property, Borrower shall maintain the property in order to prevent the Property from deteriorating or damaging in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall prmaptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condamnation proceeds are paid has Connection with damage to, or the taking of the Property, Borrower shall be responsible for repairing or restoring the property only if Lender Me released proceeds for such purposes. Lender may &&use proceeds for the repairs and restoration in a single payment or in a aerie, of progress payments as the work is completed If the insurance or condoeonstion proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent tray nuke reasonable entries upon and inspections of the Property. If it has reasonable co, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. L Borrower's Loan Appllestd m. Borrower shad be in defwlt if, process, Borrower or doing the Low application any (persons or entities acting at the direction of Borrower a will Borrower's knowledge or consent gave todariallY Else. mislading, or itucc orate information or statements to Lender (or failed to provide Lender with rosterial information) in connection with the Loan. Material representations include, but are not limited to, r%waseoLtions concerning Borrowers occupancy of the Property sa Borrower's principal residence. 9. Protection of Lender's Interest In the Property and Rights Under thla Security Instrnamt If (a) Borrower fails to perform the covenants and agreements contained in this Security Imatrw=t, (b) there is a legal proceeding that might siodficantlY affect L.ander's Interest in the Property and/or rights under this Security Instrttment (such as a proceeding in banlon kY. probate, for condemmuion or forfeiture, for enforcement of alien which may attain priority over this Severity Instrument or to enforce laws or regulation), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this security Insnstrmnant, including protecting and/or awing the value of the Property. and ==lot and/or repairing Property. Leader's actions can include, but are not limited to: (a) Paying any sum seared by a lien which has priority over this Security Instmment; (b) appearing in court; sad (c) paying reasonable attorneys' fed to protect its iaterest in the Property and/or rights under this Security Inshvmoot, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or bard up doors and windows, drain water from pipe, elintiaabe building or other code violations at dangerous conditions, and have utilities tuned on or off. Although Lender nay take action ruder this Section 9, Lender does not have to do so and is not under any duty or obligation to do no. It is agreed that Leader incurs no liability for not taking any or all actions anthorimd under this Section 9. ?A(PA) (0502) limp. u+p. s a is Form 3O3tl 1101 M 9,64fG37$4 Any amounts disbursed by Leader under this Section 9 shall become additional debt of Borrower scoured by this Security Instrument. Throe amounts soap bear interest at the Note rate from the date of disbursement and shall be payable, with much interest , upon notice from Lender to Borrower requesting P L If tbm Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasshold and the fee title dull not merge unless Leader agree to the merger in writing. 19. MwgpW Imwramce. If Lender required Mortgage Insumce as a condition of malring the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. K for any reason, the Mortgage Insurance; coverage required by Lender own to be avaiLble from the mortgage insurer that previously provided much insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay tba premiums required to obtain coverage substantially equivalent to the Mortgage Iamuraooe previously in effect, at a cost substantially equivalent to the cost to Harrower of the Mortgage Insurance previously in effect, from an alternate awl!pge insurer selected by Leader. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender to amamt of the separately designated payments that were due when the insurance coverage ceased to be in effect. Leader will aocept, use and retain these payments as a noo-redmdable loam reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-rOdiumbble, notwithstanding the fact that the Loan is ultimately paid in fall, and Lender shall out be required to pay Borrower any interest or earnings an such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the anoint and for the period that Leader requires) provided by an inmurer selected by Leader again becomes available, is obtained, and Lender requires separately designmed payments toward the premiums for Mortgage Insurance. If Lander required Mortgage Insurance as a condition of making der Loan aid Borrower was required to make separately designated payments toward the premiums for Mortgage lnttraiee, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-reibodable loss reserve, until Lender's requirement far Mortgage Ins rmoe ends in accordance with any written agreement between Borrower and Lander providing for such terminatiun or until termination is required by Applicable Law. Nothing in this Section 10 dlects Borrow ee a obligatioi to pry interest at the rate provided in the Now. Mortgage insurance reimburses Leader (or my entity that pumbom the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a parry to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such its rance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on term and conditions that are satisfactory to the mortgage mom and the other party (or parties) to theme agreements. These agreements may require the mortgage insurer to rake payments wing any source of Robb that the mortgage insurer nay have available (which may include dads obtained from Mortgage Insurance premiums). As s result of these agreements, Loader, any purchaser of the Note, another insurer, any reinsmer, any otherentity, ormy atliate of any of the foregoing, may receive (directly or indirectly) =wants that derive frern (or might be characterized es) a portico of Borrower' a pay amts for Mortgage Insumoce, in exchange for sharing or modifying the mortgage insurm's ride, or reducing lasses . if much agreement provides that an affiliate of Lender takes a share of the insurer'a risk in exchange for a share of the prerniums paid to the !lamer, the arrrsgament is ofm tamed "captive reinsurance. " Further: (a) Asy $06 ag *mm is wM mat aSict the aoomats tint Nermrw has agreed to pay for Mor4pw Lnraseei er any odor taress of Ire Loam. Sub ap semamb win sat bao"M the amarat Bmrewer will awe far Mortgage lisaramce, aid toy WE sot "dde llerrvwer to any remand. 4%4A(PA) 0602) Wmelc pap$ of is Fan 3431 1101 ?5p W-9,64M3 7,85: (b) Any soeh agreements wen not affiet the rights Borrower has - if any - with --Meet to the Mortgage iasaraaa uder the Homoawasn PnMetlea Act of 1998 or any other law. Tbose rights say iaelado the dgM to rearlve eartadr dlsdesa-ea, to rogaest and -Main amedledu of the Mortgage Iawraw% to have the Mortpge Isutri nee t rmhurted aamsatlesk, and/or to receive a reftM of say Mortgage Insaraaee preshss that wore unearned at the tine of sack eanalbtion or tersiaatbn. 11. Assignment of Mlseepaaooas Promedsi Forfeltare. All Miscellaneous Proceeds are hereby assigned to and shall be laid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During sucb repair and restoration period, Lander shall have the right to hold such Miscellaneous Proceeds until Linder has had an opportunity to inspect such Property to ensure the work has been completed to Laude's saz;daction, provided that rich inspection shall be undertaken promptly. I -ender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an marooned is made m writing or Applicable Law requires interest to be paid on rich Miscellaneous Proceeds, Lander shall not be required to pry Borrower may interest or earnings on such Miscellaneous Proceeds. If the restoration or repair L not economically, feasible or Laldee s security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the aces=, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the even of a total taking, destruction, or loss in value of tho Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or low in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or lea in value is equal to or grata then the amount of the sums seemed by this Security Instrument inanedistsly before the partial taking, destruction, or low in value, unless Borrower and bander otherwise agree in writing, the am mcureed b this Smurfty instrument shall be reduced by the amount of the Miscellaneous Proceeds owing fiactioa (a) the total amount of the rap secured iminedimely before the partial taking, destruction, or lose in value divided by (b) the fair market vans of the property immediately before the partial taking, destruction, or loss in vahm Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or lets in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or Ion in value n leas than the amain of the sums seamed immediately before the partial taking, destruction, or loss in value, unless Borrower and Under otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lander to Borrower that the Opposing Party (a defined in the nett sntsoce) offen to make an award to settle a claim for damages, to collect ? to respond to Lender within 30 days after the date the notice is given, Lender is authorized apply the Miscellaneous Proceeds other to restoration or repair of the Property or to the sums secured by this Sociality Instrument, whether or not then elite. "Opposing Party" malts the third party that owes Borrower Miscellaneous proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in L.eodees judgment, could result in forfekttire of the Property or other material impairment of Lender's interest in the Property or right under this Security instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate = provided in Section 19, by causing the action or proceeding to be 4%4A(PA) 040:1 " w0.+oa+a 7For?m3839 1/01 ?l 95??'G3 7`86; dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that we attributable to the impairment of Lenders interest in the Property we hereby assigned and shall be paid to Lewder. All Miscellaneous Proceeds that are not applied to restoration or repair of the property shall be applied in the order provided for in Section 2. 12. Hereower Net Rdsossd; Fosboaa?oe By Lessisr Not a Waiver. Extension of the time for payment or modification of amortization of the an= secured by this Security Instrument granted by Lender to Borrower or army Successor in Interest of Borrower shall not operate to release the liability of Burrower or any Successors in Interest: of Borrower. Lewder shall not be required to common" proceedings against any Successor in Interest of Borrower or to tetltse to witand time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower of any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lendee a sooeptance of payments A+om third persons, entities or Successors in Interest of Borrower or in amounts lass than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint said Several LWd ty; Casipas; S-cuars and AnIgos Besawl. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who "-signs this Security Instrument but does not execute the Now (a "co-signer"): (a) is co-signing this Security Instrument only to mortpm grout and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Iastrummt; and (c) agree that Leader and army other Borrower an agree to extend, modify, forbear or make MY aocmmnodadom with regard to the to of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who as nmes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrorwee a rights and benefito under this Security Inalnunent. Borrower shall not be released from Borrower, a obligations and liability under this Security instrument unless Lender agrees to such release in writing. The mvmants and agreements of this Security Instrument shall bird (cowept as provided in Section 20) and benefit the swxmson and assigns of I.ender. 14. Loan Charges. Lander may chwp Borrower fees for services performed in connection with Borrowers ddfamlt, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation form. In regard to any other tees, the absence of express authority in this Scarcity Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lewder may not charge fees that arc upressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which no methu loan charges. and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to redo" the charge to the permitted limit; and (b) any suns already collected from Borrower which exceeded permitted limits will be reUmded to Borrower. Lender may choose to make this rotund by reducing the principal owed under the Note or by msldng a direct payment to Borrower. If a rotund reduces principal, the reduction will be treated a a partial prepayment without any prepayment charge (whether or not a pr direct epayment charge is provided for underthe Note). Borrowers acceptance of any such refund made by Of auchpa?t to Borrower will constitute a waiver of any right of action Borrower might have arising out overcharge. 15. Notlees. All notices given by Harrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to atJA(PA) Nast) -10 eeee Pap u t a t° Form 3039 1/01 have been given to Borrower when mailed by first clam mail or when soaally delivered to Borrower's notice address if amt by other mans. Notice to any one Borrower dull constitute notice to all Borrowers unless Applicable Law vVesely requires otherwise. The notice address shall be th" Property Address unless Borrower has designated a substitute notice address by notice to Linda. Borrower shall promptly notify Leader of Borrower's change of address. If Lends specirm a procedure for repotting Borrower's Chimp of address, then Borrower shall only report a change of address thrash that spa isd procedure. There may be only one designated notics address ands this SeeW* Inshument at my one time. Any notice to Leader shall be given by delivering it or by mailing it by Snt clam mail to Lendds address stated herein unless Linder has designated another address by notice to Borrows. Any notice in connection with this Security Instrument shall not be deemed to have been given to Leader until actually received by Leader. If my notice required by this Security lastatmant is also required under Applicable Law. the Applicable Law requirement will soh* the corresponding requirement under this security Inatrumeat. 16. Coweairg Law; SavarabYlty; ads of Casatrsetion. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All fights and obligations contained in this Security Instrument are subject to soy requirements and limitmions of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contrast or it might be silent, but each silence sball not be caaatraed as a prohibition against agreement by contract. In the event that any Pfmsian or clan" of this Security Instrument or the Note conflicts with Applicable Law, each conflict shall not affect other provisions of this security instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument- (a) words of the masculine gender shall mean and include correspooding neuter words or wards of the ha lain gender; (b) words in the anwie .shall mesa and and via veer and (c) the word "may" gives sole discretion without any obligation to take include ion. any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Iastrtmment. 1L Transhr of thus Property or a Bsso&W honst is Berrawer. As used in this Section 1g, "Interest in the Property" atom any legal or beneficial interest in the Property, including, but not limited to, those beneficial mtora is transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of whaich is the transfer of title by Borrower at a future date to a purchow. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower IS not a natural peace and it bensftaal interest in Harrower is acid or iraodrred) without Lender's prior written consent, L ?a may require ill, Murat in tall of all emu secured by this Security Instrument. However, this option stall not be exercised by Lender if sucki cwreiw is prohibited by Applicable Law. If I.mda -excises this option, Leader shall give Borrower notice of aocelaatiom The notice shall provide a period of not less than 30 days item die date the notice is given in axordence with Section 15 within which Borrows must pay aV sums secured by this Security Instrument. If Borrow, fails to 1#y these am prior to the mgnratioa of this period, Leada may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Barrwwer's Right to Relextaq Atler Acca ersitlon, If Borrower meets certain conditions, Borrower shall have the right to have enfaoenim of this Security Instrument disoondmind at any time prior to the earliest oL• (a) five days before sale of the Pfopaty Pur+NO to any power of sole contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judonso eoforring this Security instrument. Those omditions are that Borrower: (a) pays Leader all soma which then would be due under this Security Instrument and the Note as if no acceleration had occurred, (b) cures any default of any other covenants or 4k4A(PA) pso:l titan ?.r.,2 of is F«ae3039 1101 if "4 i/ry' agreements; (c) pays all expenses incurred in enforcing this Security Imtrament, including, but not limited to, reasonable attorneys' fees, property inapoction and valuation fees, and other few incurred for the purpose of protecting I.nadoe s interest in the Property and rights wider this Security Instrument; and (d) takes such action as Lander may reasonably require to assure that Landoes Internet is the Property and rights under this Security Instrument, and Bortowse a obligation to pay the am no by this security Iasru nit, shall continue tnchstuged. I andr may requite that Borrower pay such reinstatement sums and expeaaes in one or more of the following farms, a selected by Lender: (a) cash; (b) money order; (c) certified chock book check, traaveea check or aishila check, provided any such check is drawn upon an institution whose deposits are inured by a federal agency, instrumentality or entity, or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Lurvment and obligations secured hereby shall remain fully a hcdve a if no soosleration had occurred. However, this right to reinstate shall not apply in the can of acceleration under Section IS. 20. Sak of Note CU W OUSE Saviestp Nodes of Grievaroe. The Note a a partial interestin the Note (together with this Security Indruonent) can be sold one or more times without prior notice to Borrower. A sole might result in a change in the entity (!moan a the "Loon Service[") that collects Periodic Payments due under the Note nod this Security instrument and perform other mortgage loan servicing obligations under the Note, the Security Iaswume t, and Applicable Law. There also might be one err Moro changes of the Loan Servicer umrolded to a sale of the Note. If thare is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loon Servicer, the address to which psymonse should be made and any other imf ar mation RESPA requires in connexion with a notice of transfer of servicing. If the Note is sold cud thereafter the Loan is serviced by a Loan Sarvicar other than the purchaser of the Note, the mortgage lose Offvx i% obligations to Harrower will ra ai a with the Lose Servieer or be transferred to a successor Lose Servicer and are not assumed by the Note purchaser unless odso wisp provided by the Note purchaser. Neither Borrower nor Lender may ocmmenee, join, or be joined to any judicial action (a either m individual litigant or the member of a clue) that arises ftam the other pWVs actions pursuant to this Security Instrument or that alleges that the other party has breached say provision of, or any duty owed by reason of, this Security Instrummt, until such Borrower or Leader has notified the other party (with such notice given in compliance with the regairments of Section 15) of each alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take Corrective action. If Applicable Law provides a time period which must elapse before owsm action can be taken, that time period will be damned to be reasonable for purposes of this perngrnph. The notice of acceleration and opporrumity to are given to Borrower prswnt to Section 22 and the noboo of acceleration given to Borrower pursuset to Section 19 shall be deemed to nd* the notice and opporbmity to take corrective action provisions of this Section 20. 21. Haasrdous Subataneas. As used in this Section 21: (a) "Haaardow S7ubstsnca" are thoee substances defined a toxic or howdow substances, pollutant, or wares by Environmental Law and the following substance.: gasoline, kerosene, other Assumable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing sabestos at formaldehyde, and radioactive materials; (b) "Ew ronmental Law" meme federal laws and haws of the jurisdiction where the Property is located that relate to health, safety or enviroumemtal protection, (c) "Baviroomental CkimW includes any response acdM -G&W adios, or removal action, a defined in Envircansmtal Loo, and (d) an "Bnviromneotal Condition" mums a condition that can can,c, caatnumite to, or otherwise trigger an Environmental Cleanup. 4q4A(PA) pall=) pap +s of is enure Fem 7070 1101 v/ K49`64-K3789.. Borrower shall not sure or permit the presence, use, disposal. oc, or release of my Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Irmperty. Borrower WWI not do, nor allow Anyone on to do, anything the Property (a) that is in vholeaon of say Environmental Law, (b) wbub creates an Environmental tim or (c) Which, due to the presence, use, or release of a Hazardous Substance c+eates a condition that adversely agecfa the value of the Pror. The preceding two sentences shall not apply to the use, or storage on the Property of small quantities of Hazardous Substances that areCzrd to be appropriate to normal residential uses and to maintenance of the Property (' not limited to, hazardous; mMtamoet is consumer products). Borrower shall promptly give Lender Written notice of (a) any investigation, claim, demand, lawsuit or otbar action by my govermmomal or resulatary apmcy or ppnnvase party involving the p ledae, operty and any Hazardous Substance or BnvironmenW Law of which Borrower has actual Imow (b) any Environmental Condition, including but not limited to, my spilling. loWdng, discharge, relate or threat of release of any Hazardous Substance, and (c) may ao caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. B Borrower learns, or is notified by any ovammeWai or re®mlatocx awharity, or any private party. that goy removal or other raaedistion of my I mrdaue Subdonce -the Property is , Banowror shall promptly Was an necessary remedial sedans in acoardance with EmrironrmenW Laws. Nothing basin shall create any obligation on Lender for an Environmental Cleamgh. NON-UNIFORM COVENANTS. Borrower and Landes further covenant and agree as follows: 22. Acceleration; Resadias. l.sndar sear gdve notice to Berroeew prior to sealaradem hilawiag Bernmees luweh of say eave mi t or speemsst Is tide Security houvi mat (but lot prior to acederattma sender Seeno. is Unless Law provides e1hes w). Leader shall nattty Bwmwor e4 weg otbar adapt (a) the iii (b) do actin to care the dd=14 (c) when the &&ak wet be cured; mad (d) that More to can the ffnk a¦ spa~ may remit in accoloratka of the suss secured by this 8aesailp Lstroasmut, hrecloseire by Judicial sakofdw peocaadlMg a Need sale of the Pt+sparty. leader short! Atrthebar tdlram lerrmwar of Iha afEsr and the r%b Assert in the Moebwto t?reasilnt do ass-whims of a delank or any other detmae of to aecdsradm aced Aradmsmo. the ds6alt le oat auod d Leader at its option may require Immediate paysiesest he dWl of all same saewd by dds r* lasttstmaat wkboM An due demand sad my bracken :1 Iastruassat by Judldd proosedbsg. Lauder mho l be satitlsd to after Alt aspas eas hMMI ce the remedies provided is this Ssd$n 22, lsdmdhw but must limited to, stiormys' tees And ash title evidence to the e>deat permitted by Law. 23. Release. Upon payment of all sums severed by this Security Instrument, this Security Iaslrument and the estate conveyed shall terminate and become void. After ash occurrence, Lender shill discharge and satisfy this Secrity Instrument. Borrower "pay my recordation costs. Lander may charge Borrower a fee for releasing this Security Instrument, but tmly if We he is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 21. Wdvam Borrower, to the extent permitted by Applicable Law, waives and releases any error or defaxs in proceedings to safatue this Security Instrument, and boreby waives the benefit of my present or future laws providing for stay of execution, extension of time, exemption ftom attachmmt, levy and sale, and homestead exemption. 25Ralsstmbmea Period. Borrower's time to reinstate provided in Section 19 shall eztmd to one to the oomanaeanhaat of bidding at a aberig s Asia or other sale pursuant to this Security lasinstrument 26. Parchm Money Mortaago. If Any of the debt secures by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Latu+at Rata Ahw Je dp at. Borrower aareas that the interest rate payable after a4udgmmmt is entered on the Note or in an acnon of mortgage forocloaue shall be the rate pa under the Note yable ftom throe to time at-OMW N607) Pap u d to tarn scuts Prot 0 fit' 9'4379', BY SIGNING BELOW. Borrower acoeptt and aarew to the tame and covenann contained m this Security Instrunw t and in any Rider executed by Harrower and recorded with it. witueaecs: 4krroww (Sod) .Bamww _ (Seal) •Bwro.w 4d/? (Saw) J 8 palaarwwo Bc,roora, AA/? Joan Palmers (Sew) ewmwer (Sew) os h S. Palmerson, SR .B.,.w,, (Sew) -Bwroww (Sew) -Ewrowa 4%4VA) (DNr) Pap le d +e K-4 564PU 7.9 Fam 303! 1101 _- --- 1 COMMONWEALTH OF PENNSYLVANIA, C018nRL11101 Cousty as: On this, the 31st day of August, 2006 , before me, the undersigned officer, persomlly appeared Joseph 8 PetLsrson Joan Palmerson and Joseph S. Palmerson, SR. known to me (or satisfactorily proven) to be the person(a) whose name(s) is/me subscribed to the within instrument and wlmowledged thou helshelthey executed the some for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hood and official seal. My Commission Expires: Nt7PARtAL SM Imy am= 4 MURRAY. Notary rN Casuals" an*ss lks.131. Tide of 0f5m CwdAcate of Residence I. ?amPAL--aaeko: Suzanne C. Hixenbaugh, gS , do hereby certify that the correct address of the within-named Mortgagee is P.O. Box 2026, Flint, MI 48301-2026. Witness my hand this 31st day of August, 2006 AN AA fi Agent of Suzanne C. Hixenbaugh, ESq. tt4A(PA) (0602) he. re a Ie ///,/ Farm 1039 1101 C-G 9b P?3T92 Exhibit A ALL THAT CERTAIN Unit in the property known, named and identified in the Declaration referred to below as "The Courtyards of Carlisle, A Condominium Community", located in the Borough of Carlisle, County of Cumberland and Commonwealth of Pennsylvania which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 Pa.C.S.A. Section 3101, et seq., by the recording in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, of a Declaration dated February 26,1999, and recorded April 22,1999, in Miscellaneous Boole 610, Page 678, together with all amendments and supplements thereto recorded on or before the date hereof and designated as Unit No. 78 as more fully described in such Declaration, together with the proportionate undivided interest in the Common Elements as defined in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record including, but not limited to, those contained in the Declaration and Declaration Plan. V-S24,k Al S 04 0022 I K '",3 7 9, 3 CONDOMINIUM RIDER THIS CONDOMINIUM RIDER it mode this3lst dry of Atrquat, 2006 and is incorporated into and shall be deemed to amend and supplemient the Mertgage, Deed of Trust, or Security Deed (the "Security Instrtmsent") of the same date given by the undersigned (the "Borrower") to secure Borrowed s Note to =RA Hone Loans "Lender") of the same date and cov (the ering the Property described in the Seiiity 22 COURT LA RS WIT 70, CARLI8LS PA 17013 t and located at: RP The Property includes a unit ' together Property in, with an tided interest in the common elements of, a project (mown as: Ten COURT YARD Or CARISLZ BOA (the "Condominium Pro [Nam of Caedomw m Prof] ject"), If the owners wodadon or other entity which acts for the Condominium Project (the "Owners Aswciation") holds title to property for the bandit or use of its mentbers or shareholders, the Property also includes Borrower's interest in the Owners Associate. and the uses, proceeds and benefits of Borrower's interest. CONDOMINIUM COVENAM& In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender farther covenant and agree as follows: A. Cssdoarlml, Obligations, Borrower shall perform all of Bommar's obligation under the Condom(nitmm PrgeWs Constituent Documents. The "Constituent Dacunmte are the: t Declaration or any other document which creates the Condominium Pro Pursuant to the Constituent Documents ject; (ii) by-laws; (iii) code of regula ons; and ((v) other equivalent documents. Borrower shall promptly pay. when due, all dues and attessnrents imposed 8. Property bnnraism So long u the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "bhmket" policy on the Condominium Project which is sati sfactory to Lender &oil riod:, and provides insurance coverage in the anioumb (intending deductible levels). for the pe against loss by fire, hazards included within the term -mmoded ?" and any, other hazards, including, but not limited to, earthquakes and floods, fimn which Lender requires insurance, MULTIETATECONOOMINIUM MOHWkp& Fmnay4lim6 MaWRad* Mae UN/ORM WtiMMENT 4WR(0008) Form 31" 1/ Papa t of 3 tr?tiala: VMP MORTGAGE FO MS - (soO 2 • t P then: (i) Lander waive the provision in Section 3 for the Periodic Payment to Leader of the yearly premium installments for prop" insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Leader requires a a condition of this waiver an change during the term of the loan. Be- rshall give Lander prompt notice of any lapse in required property insuranex coverage provided by the master or blanket policy. In the event of a distribution of property inmranee proceeds in lieu of reator11tion or repair following a loss to the Property, whether to the unit or to commeu elmtmts, any proceeds Payable to Borrower are hereby assigned and shall be paid to Lender for application to the sums severed by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public LlabiHty InsnraacL Borrower 161111 take Rich actions as may be reasonable to insure that the Owners Association maintains a public liability ittnurInue policy acceptable in form, amount, and extent of coverage to Leader. D. Condeauatloa. The proceeds of any award or claim for payable to Borrower in eanaection with any eoademoation Of of taking ofd all or or consequential, g any part o of f the the Property, whether of the unit or of the common elements, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Sucb proceeds " be applied by Leader to the sums secured by the Severity Instrument as provided in Section 11. L Loader's Prior Consent. Harrower 1ha11 not, except otter notice to Lender and with Lander,1 prior written consent, either partition or subdivide the Property a consent to: (1) the abandonment or termination of the Condominium Project, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by caadnim Lion or eminent domain; (ii) any amendment to any provision of the Constituent Documents if the provision is for the express benefit of Lender; (iii) termination of professiOW management and assumption of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Re=o&e& If Burrower does not Pay condaoiaium dues and "wsaents when due, then Leader may Pay them. Any amenoto disbursed by Lender under this paragraph F slap become sdditic debt of Borrower severed by the Security Imitrumaut. Unless Borrower and Lander W. to other W. of payment, than amounts shall bear interest Sum the dux of disbursement at the Note rate and awl be payable, with interest, upon notice from Lender to Borrower Mpffitmg payment. oft4IR (0008) Paps 2 of 3 Inkials: (Fenn 11401/01 BY SIGNING BELOW, Borrower wvWb and agrees to the terms and provisions contained m this Condoadnium Rider. () (See!) '7 h Paa..rwa -Borrower can Palmerson -Bormwer (seat) Joseph S. Palmerson SR -Bmv,*w -Borrower (sew) (Sew) -Borrower -Borrower (Sew) (Seal) -Borrower -Harrower 4ft?R (0008) Pgp3of3 Fern 3140 1/01 ! Cet- ifv this to he recorded In C' i- :i I Land Co-un v PA W96"'31% g3e9 Prepared by - Record and Return to: MARAH MACE FLORENTINO Chase Home Finance LLC Reconveyance Services 780 Kansas Lane, Suite A PO Box 4025 Monroe, LA 71203 Telephone Nbr: 1-800-848-9136 Parcel ID No.: 06-18-1371-002.-U78 Loan No.: 1909694531 Min:100020000390465452 MFRS Phone, if applicable: 1-888-679-6377 SATISFACTION OF MORTGAGE 111111111111111111 MADE THIS 01/30/09 MORTGAGOR: JOSEPH S PALMERSON AND JOAN PALMERSON AND JOSEPH S PALMERSON SR MORTGAGEE: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR ERA HOME LOANS NAME OF LAST ASSIGNEE: NONE DATE OF MORTGAGE: August 31, 2006 ORIGINAL MORTGAGE DEBT: $129,055.00 Mortgage recorded on September 5, 2006, Volume/Book 1964 Page 3777 Document 32236 in the Office of the Recorder of Deeds of CUMBERLAND County, Pennsylvania. Brief Description or statement of mortgaged premises: 06-18-1371-002.-U78 BOROUGH OF CARLISLE, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA Property Address: 22 COURT LANE UNIT 78, CARLISLE, PA, 17013. The undersigned hereby certifies that the debt secured by the above mentioned mortgage has been fully paid or otherwise discharged and that upon the recording hereof said mortgage shall be and is hereby fully and forever satisfied and discharged. We hereby empower the Recorder of Deeds to mark the same of record. WITNESS the due execution hereof in the name of the mortgagee/assignee named above, and its corporate seal hereunto affixed, by its proper officer thereunto duly authorized, 01/30/09. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ?? 4EWSTj?•• . By. 4 4VQ4CiLj f;oy i ` f;?k. W INGRID ITT Y ? • N1 SEAL ` ; s s Vice President 'P PAOo 09/21/07 State of. Louisiana Parish/County of OUACHITA On this, 01/30/09 before me the undersigned officer, personally appeared INGRID WHITTY who acknowledged he/she to be the Vice President of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. and acknowledged that as such 61 cer, being authorized to do so executed the foregoing instrument for the purposes therein contained by signiE g the name of the corporation by themself as Vice President. IN WITNgSS WHEREOF,,Yhereunto set my hand and official seal. / l "ou 1J),ZA442-J IIM LLE LYN RIVERS - 4642 Notary Public w LIFETIME COMMISSION Loan No.: 1909694531 County of CUMBERLAND Investor No.: 432 Outbound Date: 01/28/09 Investor Loan No.: 1702196579 PA00 09121/07 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200904389 Recorded On 2/18/2009 At 11:32:31 AM * Total Pages - 3 * Instrument Type - SATISFACTION PIECE Invoice Number - 37381 User ID - RZ * Mortgagor - PALMERSON, JOSEPH S * Mortgagee - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC * Customer - CHASE HOME FINANCE LLC * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 Certification Page DO NOT DETACH This page is now part of this legal document. TOTAL PAID $37.00 I Certify this to be recorded in Cumberland County PA RECORDER O A , DS lot ono * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. IIII?IVIIIflV?IIIVN I 007072009 -02-2009 ^?MBE2L:',T = ^i SALE YR 2007 PAGE 3 CLM631V2 TAX CLAIM SALE VC =2E MA--L RCCK IST CTL NO SUB MAP NO NAME MAIL NUMBER 6 1115 06-20-1798-194 SHEIBLEY, DAVID C 7107 0449 4590 0551 3705 6 1119 06-20-1798-199 CAMPBELL, MARY E 7107 0449 4590 0551 3712 6 1125 06-20-1798-206 PALMER, JAQUELINE 7107 0449 4590 0551 3729 6 1125 06-20-1798-206 PALMER, LUTHER R 7107 0449 4590 0551 3736 6 1125 06-20-1798-206 PALMER, JACQUELINE 7107 0449 4590 0551 3743 6 1148 06-20-1798-228 WRIGHT, MAE E 7107 0449 4590 0551 3750 6 1169 06-20-1798-247 UNIFIED REAL ESTATE HOLDINGS 7107 0449 4590 0551 3767 6 1169 06-20-1798-247 UNIFIED REAL ESTATE HOLDINGS 7107 0449 4590 0551 3774 6 1177 06-20-1798-253 SHEIBLEY, DAVID C 7107 0449 4590 0551 3781 6 1177 06-20-1798-253 SHEIBLEY, DAVID C 7107 0449 4590 0551 3798 6 1202 06-20-1798-282 DYE, STANLEY N 7107 0449 4590 0551 3804 6 1202 06-20-1798-282 DYE, SUSAN E 7107 0449 4590 0551 3811 6 1239 06-20-1798-317 DONNELY, KIM M 7107 0449 4590 0551 3828 6 1239 06-20-1798-317 WILEY, JENNIFER K 7107 0449 4590 0551 3835 6 1251 06-20-1798-325 YOST, SCOTT A. 7107 0449 4590 0551 3842 6 1251 06-20-1798-325 YOST, SCOTT A 7107 0449 4590 0551 3859 6 1252 06-20-1798-326 YOST, SCOTT A. 7107 0449 4590 0551 3866 6 1252 06-20-1798-326 YOST, SCOTT A 7107 0449 4590 0551 3873 6 1417 06-18-1371-002 PALMERSON, JOSEPH S 7107 0449 4590 0551 3880 6 1417 06-18-1371-002 PALMERSON, JOAN 7107 0449 4590 0551 3897 7 168 07-40-2630-079 HERSHOCK, BRIAN 7107 0449 4590 0551 3903 8 57 08-09-0523-008 KEESMAN, LEE 7107 0449 4590 0551 3910 8 434 08-10-0628-052 SPANKUCH, HARVEY H 7107 0449 4590 0551 3927 8 434 08-10-0628-052 SPANKUCH, CAROLYN A 7107 0449 4590 0551 3934 8 549 08-10-0630-053 PAINLEY, JOSEPH F 7107 0449 4590 0551 3941 8 549 08-10-0630-053 PAINLEY, CYNTHIA M 7107 0449 4590 0551 3958 8 931 08-11-0294-077 ADAMS, GARY W 7107 0449 4590 0551 3965 8 931 08-11-0294-077 ADAMS, LINDA K 7107 0449 4590 0551 3972 8 1031 08-12-0334-039 ADAMS, LINDA 7107 0449 4590 0551 3989 8 1190 08-12-0336-053 BROUGH, ROBERT E. JR. 7107 0449 4590 0551 3996 8 1381 08-14-0146-021 PERKEY, JOHN D 7107 0449 4590 0551 4009 8 1381 08-14-0146-021 PERKEY, TERESA M 7107 0449 4590 0551 4016 8 1597 08-16-0210-081 11?nt?}S v'? ENRY, FREDERICK R 7107 0449 4590 0551 4023 8 1597 08-16-0210-081 a(/?\ HE Y, CAROL W. 7107 0449 4590 0551 4030 8 1615 08-16-0210-108 IMSENR , FREDERICK R 7107 0449 4590 0551 4047 8 1615 08-16-0210-108 /H CAROL W. 7107 0449 4590 0551 4054 8 1616 08-16-0210-109 Y, FRED R 4590 0551 4061 & 8 1616 08-16-0210-109 HENRY, CAROL W???? 4590 0551 4078 ¦ FOLD, CREASE AND REMOVE THIS STUB AT PERFORATION A v m N N w n m 9 D C U) u J 0 rn =_ w M z x rl 0 µ U 0 C X! 0 Z :R i? z- 0 b -i v 0 MCC 0 0 rz;r F rgoz e r O"o R to ;0 Z I XI Xi G iS a R 0 ?t D^'D m u)Om m rn?m cn a?.0 a _ZZ v m r m m < I S -.a ? I L co r r ?- Ln o _ co Cri cri w ?- 02 W , O ants SIHl 3AOW3N (INV 3SV38Z; - Od ¦ r FOLD, CREASE AND REMOVE THIS STUB AT PERFORATION o oa? v az x m ? N OmU o 9 cd F ?cxn m °my0 G I K C y O v ? 0 t? W tWi1 " 0N-0 ?oK m?M cl) D O ZZ m M z 0 m to C Xi c,p z fro _ t3 b -? v o MCC a r o -ID-4 fi ONO Z In[a w x°z C ? +D D m x 0 0 0 o -ni o r v < to m -0 C3 < o ul ul w IX C) R? O ? rw vt oar Y .J ? 5 ` SIHi 3AOW38 ONV 3SV33N; ?- A INFOCON BUSINESS PRINTING (814) 472-6066 N D z C Q m 0 a N N m 1.? C3 -j C3 r r r u li -D C3 Lz) to try r? W? C3 POSTMAN DETACH CARD H -16 ERE C1 N 3 O a v -O ny ., m c M N W m N 0 w w w y m E3 5 3 -+ m -4 Q . y ' a (D ca 0 N 0) ° G 7 Q_ W N N y ZZ ° 7 Cl 0 0 = w V m c m N ID a m a - 0 i ° Z w o CD N 3 W m O a . N D n m ° n C a = w o Z CD , C 0 N OO 3 w a < m n y D 0 J Oh L V , A w = O X C- D ? ? m • Qi cn ?= 7oFiz F a rn 0 0 (D (D c (a ? 0 O 0 O O w CD CD c y N n m rc (D 0 C m (D a a N a '°0 o ? a '? W D R, = . CD y y m m El ? ? a C 11 ;0?? ?; c O Q w n • O m D - w 3 m _ L i_) L_ w N- o n I O N! a w N ? Cl w O 0 a m <. (D CD CD 383H (38V0 H3V13G NVW1SO d INFOCON BUSINESS PRINTING (814) 472-6066 -.16 f POSTMAN DETACH CARD H ERE (n N 1 I ¦ ¦ ¦ T O a ? a yo ??' °n 3 (D CD - (A1 ? Ejie ??r D =r 0 c ? 00 m 37 0 I 3 W rim m w d uw co c o f j m-1M D CO) Y) CL ' :1 _a - NµN V) R g w a 090 o D a C 7 N 1 N Z Z m CD W CD y l omc- 0- W J 0 w m ? 1 0 W > - D y a y y I o Er O 7 O O 0 I CD O 3 D O cx (b PL E V 0 m m 0 0 y CD 0 -? O L- i I N V O fD I O r E ? + (D r a X C) D i (D El 11 U ton :D (O ! (D I r 7 y (D CD ? c m O- N O w 0 1 "? w a .y.. N a m ? a W N 2 N Q ? d a N m Q O _ <' (D W. ((D CD U Ln z Z y w am ??? a L ' m W v (D b T fTD 3 N N 3 m ID ? a 3 ? m !O O .. J w 3 N m F3 z 1 O I > > O. 6 O ? = a w m y R I_ m y CD m 3d3H G8V0 HOV130 NVNiSOd 1 1156230831200 ?_ -,c LAND -OUNTY PAGE 4 (!LM623 ?ROOF OF SALE MAIL BOOK FOR SALE YEAR 2007 MAP NO NAME 6-20-1798-194 SHEIBLEY, DAVID C 65-67 WEST NORTH STREET CARLISLE PA 17013 06-20-1798-199 CAMPBELL, MARY E 306 SHEPHERD LANE SHIPPENSBURG PA 17257 06-20-1798-247 UNIFIED REAL ESTATE HOLDINGS 871 B WEST KING STREET SHIPPENSBURG PA 17257 06-20-1798-247 UNIFIED REAL ESTATE HOLDINGS P.O. BOX 10 SHIPPENSBURG PA 17257 06-20-1798-247 ORRSTOWN BANK 77 E KING STREET SHIPPENSBURG PA 17257 06-20-1798-247 DAVID A BARIC, ESQ 19 W SOUTH STREET CARLISLE PA 17013 06-20-1798-253 SHEIBLEY, DAVID C 127 LINCOLN STREET CARLISLE PA 17013 06-20-1798-253 SHEIBLEY, DAVID C 65-67 W NORTH STREET CARLISLE PA 17013 06-20-1798-317 DONNELY, KIM M & JENNIFER K WILEY 424 FAIRGROUND AVENUE CARLISLE PA 17013 06-20-1798-317 WILEY, JENNIFER K 424 FAIRGROUND AVENUE CARLISLE PA 17013 06-20-1798-325 YOST, SCOTT A. 462 FAIRGROUND AVENUE CARLISLE PA 17013 06-20-1798-325 YOST, SCOTT A 50 DONNYBROOK ROAD, LOT 8 CARLISLE PA 17013 06-20-1798-326 YOST, SCOTT A. 462 FAIRGROUND AVENUE CARLISLE PA 17013 06-20-1798-326 YOST, SCOTT A 50 BONNYBROOK ROAD, LOT 8 CARLISLE PA 17013 06-18-1371-002 U78 PALMERSON, JOSEPH S & JOSEPH S PALMERSON 22 COURT LANE CARLISLE PA 17013 06-18-1371-002 U78 PALMERSON, JOAN 22 COURT LANE CARLISLE PA --7012 08-11-0294-077 ADAMS, GARY W 1323 PINE RODS ,?1 CARLISLE FA 17015 ?8-11-0294-077 ADAMS, LINDA K TAX CLAIM BUREAU OF CUMBERLAND COUNTY ADDITIONAL NOTIFICATION EFFORTS Map #: If- 13 // ??i oS N 71 Control Number: Property Owner: - 7 h s a,ah a 1,-n "rTo 4 Address of Record: a8'0' f A? 141i'l-11, ,f /A 04,171013 • Telephone Directory 1 q 10f /_ DATE CHECKA) INITIALS New Information ®1?? AS, • Assessment Office - Property information -0// f ?q /0/W DATE HEC D INITIALS New Information:/? a#e, - Per Capita Tax Information -0 © AL/& DA CHEO CED INITIALS New Information: Sarre AWIP-e Ys - a e,711 ye • Tax Collector 9 IVVI DA CHE D INITIALS Confirm Address of Record New Information: • Municipal Water/ Sewer Authority DATE CHECKED INITIALS New Information: • Recorder of Deeds ? ae C' DA E CHEC CED INITI S New Information: -, Ik e as ew • Register of Wills o U DATE HECKED INITIALS New Information: /' 217 & • Prothonotary 9 J f _?! DA CHECKINITIALS New Information: 170#6 • Other / p-l _ _ DATE C KED INITIALS New Information: Q/N 49- a'IY df -- 4 ety rliil- ALT 9 ,S?Grz;k, * * * NOTE In the system, in the NOTES, F-9, record any new information found. * * * ** THIS SHOULD BE CO PROPERTY O" NER * * t Person Search Page 1 of 3 2417 Search and Technical Assistance 1-866-277-8407 Main Menu I My Account ( Print I Contact Us I Log-Out .. -_ r+??ecae? ;° ?„?? Last Name First Name PALMERSON JOSEPH City 'mno LAOS Age Range Middle Name SS S State Zip County Radius r for other possible nan :is ?..... '`- ode Sanfk ; -c Output pet (4 Formatted t IT'fett_ -ut and P, ste ; Printer Friendly 'fext (No Reports) R €€nportant: The F'uoiic. Record's and commercially available data soU'CeS used it this system have orrc s, Gera i. somr-f;,-? s entero d ooo ly, bn cessend incorrectly and is generally not free; frorn defect, This systF;m should not be rel m d; i ively accurate. Befcre relying on any data this system supplies, it should be independently verified. For Secre -it d '-,teas, 4.1le following data, is for information purposes only an(] is not an offiicsa record, Certified cosies may be )b ?•ud r state's Department of State. does riot :xmstitute a 'consumer report" as that terrn is define; in that federal `air Credit Re,'porting Act, ' . ? a1 of seq. { C.`,'Aj. Accordingly. Acc,itint may riot be used in whole or in part as a (actor in deter€nining eligibili`.y for cre ?. insu rte, a ar another permissible purpose under the FCRA. Search completed SEARCH: Last Name: PALMERSON First Name: JOSEPH Middle Name: S All `{J s coon • NOW 11119 a * OL=L--.,j NOW Full Name SSN JOSEPH S PALMERSON064-60-xxxx Gender: Male DOB: 05/xx/1939 (70) JOSEPH S PALMERSON Gender: Male DOB: 05/xx/1939 (70) JOSEPH S PALMERSON DOB: 05/xx/1981 (28) Records: 1 to 12 of 12 Et ,, Address Phone Information 80 35 718-470-9030 - EDT FLORAL PARK NY 11004 Jun 00 8035 263RD ST GLEN OAKS NY 11004-1516 8035 263RD ST GLEN OAKS NY 11004-1516 SEPH S PALMERSON064-60-xxxx 8035 263RD ST https://secu main 718-470-9030 - EDT 10/5/2009 Person Search a Gender: Male COW DOB: 05/xx/1939 (70) ? JOSEPH S PALMERSON COW Gender: Male DOB: 05/xx/1939 (70) N JOSEPH S PALMERSON NOW DOB: 05/xx/1981 (28) ? JOSEPH S PALMERSON COPY DOB: 05/xx/1981 (28) Page 2 of 3 GLEN OAKS NY 11004-1516PALMERSON JOHN May 84 - Sep 09 8035 263RD ST GLEN OAKS NY 11004-1516 Nov 06 - Nov 08 8035 263RD ST 718-470-9030 - EDT GLEN OAKS NY 11004-1516PALMERSON JOHN Dec 07 - Jun 09 8035 263RD ST GLEN OAKS NY 11004-1516 Dec 07 - Jun 09 JOSEPH S PALMERSON064-60-xxzx 4 8035 263RD ST 718-470-9030 - EDT UAi COW Gender: Male GLEN OAKS NY 11004-1516PALMERSON JOHN DOB: May 84 - Sep 09 05/1939 (70) JOSEPH S PALMERSON 22 COURT LN an 4-n COPY Gender: Male CARLISLE PA 17013-1398 1998 - 2009 r,=, -? n 0 JOE S PALMERSON 560-28-xxzx 80 35 203RD `lam ?- 4 cop,, Gender: Male BRONX NY 10458 0 JOE S PALMERSON 560-28-xxzx COPY 407 FINLAY Gender: Male BRONX NY 10468 `u C JOE S PALMERSON COPY 407 FINLAY BRONX NY 10468 Oct 07 - Feb 08 r Is, 1 to 12 of 12 SEARCH: Last Name: PALMERSON First Name: JOSEPH Middle Name: S Your DPPA Permissible Use: Civil, Criminal, Administrative or Arbitral Proceedings https://secure.accurint.com/app/bps/main Et 10/5/2009 Person Search Your GLBA Permissible Use: Legal Compliance Page 3 of 3 https://secure.accurint.com/app/bps/main Person Search Last Name First Name Middle Name SSN PALMERSON JOAN City Zip County Radius DOS Age Range r._ Search for other possible namespellings Include Bankruptcies Output Type: 4 Formatted WWI... r, Cut and Paste/ Printor friendly Text (No Reporls) ?;c .rGs G ?? lt,inrT)£arctaily eJ?rr af,le ?i .:. ?t)s? t.es .tse3d Er 'ni ,?.,r - , r,,?, F ::?rrc? ?. ?) ?'? 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JOANNE PALMERSON113-56-xxxx 80356 263 ST COW Gender: Female BELLEROSE NY 11426 Aug 86 rMEM _ K JOANNE PALM ERSON 11 3-56-xxxx 8035 263RD ST C Gender: Female BELLEROSE NY 11426 Oct 86 to,Sof SEARCH: Last Name: PALMERSON First Name: JOAN Your DPPA Permissible Use: Civil, Criminal, Administrative or Arbitral Proceedings Your GLBA Permissible Use: Legal Compliance Ec https://secure.accurint.com/app/bps/main 10/5/2009 Ll VERIFICATION I verify that the statements made herein are true and correct as far as my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities. A DATED: ?D D / ose S. Palmerson ZO • IN RE: RETURN AND REPORT OF IN THE COURT OF COMMON AN UPSET TAX SALE HELD BY THE PLEAS OF CUMBERLAND CUMBERLAND COUNTY TAX CLAIM COUNTY, PENNSYLVANIA BUREAU ON SEPTEMBER 24, 2009 CIVIL DIVISION NO. 2009 - 6810 Civil Term CERTIFICATE OF SERVICE I hereby certify that a copy of the Petition was served this date via United States Mail, postage prepaid, addressed as follows: Cumberland County Tax Claim Bureau 1 Courthouse Square Old Courthouse Carlisle, PA 17013 Stephen Tiley, Esquire Solicitor for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, PA 17013 Michael John Higgins 332 Warm Springs Road Landisburg, PA 17040 Lynne D. Pickens 332 Warm Springs Road Landisburg, PA 17040 SAMIS, FLOWER & LENDSAY aro?snruw 26 West High Street Carlisle, PA Dated: 16 /L.2 'j y AIDIS, FLOWER & LINDSAY ?' E. Kelso, Esquire OE THE '--P*7'a^,NO ARY 2009 OC T 30 fll 2: 14 `. ?,,`A X V NOV 0 2 2009,A IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009 - 6810 Civil Term EDGAR B. BAYLEY, P.J. ORDER OF COURT AND NOW THIS _71daY of 2009, upon considera,ion of the Objections and Exceptions to the Upset Tax Sale and Petition to Set Aside the Lipset Tax Sale, a Rule to Show Cause is issued on the Cumberland County Tax Claim Bureau to show cause, if any it has, why Sale No. 5, 22 Court Lane, of the Upset Tic Sale on September 24, 2009, should not be set aside and voided. 4J? RULE RETURNABLE 'DAYS AFTER SERVICE. BY THE Edgar B'. Bagley, P SAMIS, FLOWER & LINDSAY nrtnnr?xseruw 26 West High Street Carlisle, PA ^F THE 2009 MON -3 Ali 8: 2') , t f 316 - ?v I t& fwz I LSCL j . Kelso M. ptl,'Y 1+..z k. P I - #I P IN RE: UPSET TAX SALE OF SEPTEMBER 24, 2009 HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU PROPERTY OF DANNY L. RAUDABAUGH CARRIE E. RAUDABAUGH TAX PARCEL NO.: 14-05-423-59 1149 EASY ROAD LOWER FRANKFORD TWP IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2009 -6810 CIVIL PRAECIPE TO WITHDRAWL CONFIRMATION NISI TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24, 2009. On October 21, 2009 the buyer at the tax sale entered into an agreement with the property owner and the Tax Claim Bureau voiding the tax sale of the above referenced parcel. Please withdraw the above referenced parcel from the confirmation nisi and mark the Upset Tax Sale of the above captioned case null and void per the attached agreement. DATED: ?x ?, Stephen D. Tiley, Asst. Cumb. Cty olicitor Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 SETTLEMENT AGREEMENT AGREEMENT DATED: Z ?S day of October, 2009 WHEREAS, the parties listed hereunder are all parties to a certain upset tax sale of Cumberland County Tax Parcel 14-05-0423-059 a 1.5 acre parcel of residential real estate owned by Danny L. & Carrie E. Raudabaugh in Lower Frankford Township, Cumberland County, Pennsylvania, known as 1149 Easy Road, Carlisle, Pennsylvania ("the parcel") on September 24, 2009. WHEREAS, the parties desire to settle the legal issues created by Twist Investments, LLC's bid and purchase of the Parcel at the said upset tax sale, NOW THEREFORE, the parties hereto, in consideration of the mutual promises herein set forth and intending to be legally bound hereby, agree as follows: 1. Danny L. & Carrie E. Raudabaugh agree to pay to Twist Investments, LLC, Purchaser, the sum of Ten Thousand five Hundred forty one Dollars and thirty two cents ($10,541.32) to be paid as follows: Five thousand Dollars at the signing of this Agreement and a mortgage and note in the amount of $5,541.32 secured by the Parcel. 2. In consideration of the above, the Purchaser hereby releases and discharges any and all right, title and interest in and to the Parcel to Danny L & Carrie E. Raudabaugh under the unique facts of this case only, to set aside the said upset tax sale of the Parcel, ab initio, so that good and marketable title, without cloud or objection, was, is and remains in Danny L. & Carrie E. Raudabaugh as if the said tax upset sale had never taken place, forever. 3. The Tax Claim Bureau agrees to accept payment in full of the 2007, 2008 and 2009 real estate taxes together with the Bureau coast and expenses to wit: Five thousand, two hundred twenty-nine dollars and forty-one cents ($5,229.41), from the purchase price paid by Purchases on the day of upset tax sale and the Bureau agrees to refund the balance of said purchase price to Purchaser, to wit: Twelve thousand, four hundred, sixteen dollars and thirteen cents ($12,416.13), all in Settlement under the unique conditions hereinabove set forth. No refund will be made until the Bureau receives this agreement signed by all parties. WITNESS its due execution by the parties hereinafter listed this-2/ S day of October, 2009. ATTEST: By: By: Title: fi--r S c, i Title CUMBERLAND COUNTY TAX CLAIM BUREAU Danny L. R udabaugh arrie E. Raudabaugh WITNESS: M 2 ti4Y 1 ? AM !? ? 33 40 GLU ?'? IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF WILLIAM K PEFFER TAX PARCEL NO. 23-32-2336-009 E ORANGE STREET MT. HOLLY SPRINGS BOROUGH IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PIWECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by William K Peffer, as referred above. /'l.?A? DATED: November , 2009 /-7,2DD? Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 A Final Decree of Absolute Confirmation is hereby Z :LIV 4S Curtis R. Lo Pr honotary RLEYOT-ce OF THE PKMO~. 209 NOV 18 AM 1!: 33 Cltl x .L?'-,,lb ??0UNTY PENNSYLVANIA IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF JUANITA CARBAUGH TAX PARCEL NO. 23-31-2187-054 TR04116 33 JENNY LEE MHP V.I.N. 28514 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRRECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Juanita Carbaugh, as referred above. DATED: i21? 1-7 9 -? - 7 Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. Z...JaL? R. 4 - R" Curtis R. Lo , Pro onotary ? n?'?o i?rioraor 20 1 Y 18 AM 11 : 33 PNNSUANIA. IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF MICHAEL MESSINA JR MICHELLE MESSINA TAX PARCEL NO. 21-06-0015-002 TR08160 14 BUTTONWOOD LANE V.I.N. 11983 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRAECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Michael & Michelle Messina Jr., as referred above. DATED: lkvez- .- / 2,2; Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. urtis R. Lon d, HUD-Offim OF TW FPONONOTAW 209 NOV 18 f 11: 33 CUIViBEs?:.- 4i G? )l.{# Y PEWSYLVAW IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF JOSEPH B ROTONDO CONNIE E ROTONDO TAX PARCEL NO. 02-21-0318-197 114 N BEDFORD STREET CARLISLE BOROUGH IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PR/ECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Joseph B & Connie E Rotondo, as referred above. DATED: 1, -'.? _ 7 .--!? Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. ?C Curtis R. Long Pro notary OF TW 2N9 NOV IS 11: 32 PEWYLVA A IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF MERLE BAIR SUSAN BAIR TAX PARCEL NO. 21-06-0015-002 TRO9286 294 WALNUT LANE V.I.N. 12212472 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRAECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Merle & Susan Bair, as referred above. DATED: :::?? 4 -- Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. L :k Curtis R. Long, Prot notary WNOV 18 AM 11.33 YWMwMi'v?`. V: fLl?t(j?}}'i,jj...f.+J .Y Py}L.Ny?Tt `NI U 5 IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF KBL PETROLEUM INCORPORATED TAX PARCEL NO. 13-23-0549-077 2313 GETTYSBURG ROAD LOWER ALLEN TOWNSHIP IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRAECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by KBL Petroleum Incorporated, as referred above. DATED: 7/ -Zap 01 Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. R 1C Curtis R. Lon d, Pro onotary OF ffr+FrMn M NOV IS AM It: 32 PENNSYLVANIA IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF LISA HARRIS TAX PARCEL NO. 13-23-0553-023 TR06786 15 CAMP HILL MHP LOWER ALLEN TOWNSHIP IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRAECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Lisa Harris, as referred above. DATED: X4/ ? Step en If. Tile-y, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November , 2009 A Final Decree of Absolute Confirmation is hereby entered. Z' - i '1AL L20::? Z)t,; Curtis R. Long, Prot notary CF.IW wTr*4wcl € 1Y 18 Ali it -- 32 o0k, "Outo IN RE: RETURN AND REPORT OF AN UPSET TAX SALE HELD BY THE CUMBERLAND COUNTY TAX CLAIM BUREAU ON SEPTEMBER 24, 2009 PROPERTY OF STACEY CHESTNUT TAX PARCEL NO. 21-07-0463-004 TR04988 48 MONARCH DRIVE V.I.N. CQ22939A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NO. 2009-6810 civil PRAECIPE FOR DECREE OF ABSOLUTE CONFIRMATION TO: Cumberland County Prothonotary On October 13, 2009 the Court entered Confirmation Nisi concerning the Cumberland County Tax Claim Bureau Upset Sale held September 24,2009. On November 2, 2009 proofs of publication of the Notice of Confirmation Nisi were filed. No objections or exceptions to the above-mentioned property have been filed. Section 607 (c) of the Real Estate Tax Sale Law (72 P.S. §5860.607(c)) provides: In case no objections or exceptions are filed to any such sale within thirty (30) days after the court has made a confirmation nisi, a decree of absolute confirmation shall be entered as of course by the Prothonotary. Please enter a Decree of Absolute Confirmation for the sale of property owned by Stacy Chestnut, as referred above. DATED: le o, Stephen D. Tiley, Esquire Attorney for Cumberland County Tax Claim Bureau 5 South Hanover Street Carlisle, Pennsylvania 17013 (717) 243-5838 November 1 2009 A Final Decree of Absolute Confirmation is hereby entered. -#c € pO i r", ?NARY 2009 NOV 19 A 9: 13 PENNSYLVAN A