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HomeMy WebLinkAbout10-0843SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 0 FE 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 Y _ S & D FILE NO. 10-037039 OneWest Bank, FSB COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. John N. Mushovic 31 West Big Spring Avenue Apartment 1 Newville, PA 17241 DEFENDANT ' NO: 10 - qC3 1 COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 30 . L NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. f9ZOO e? av?izy ?'??.237l?S Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIIDOEN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: . John N. Mushovic gY 3 f crM 31 West Big Spring Avenue Apartment 1 ; Newville, PA 17241 ; DEFENDANT COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, OneWest Bank, FSB, the address of which is, 888 E. Walnut Street, Pasadena, California 91101, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortagee: Mortgage Electronic Registration Systems, Inc., as nominee for IndyMac Bank, FSB Mortgagor(s): John N. Mushovic (b) Date of Mortgage: April 23, 2007 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1989, Page 3966 Date: April 25, 2007 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for IndyMac Bank, FSB Assignee: OneWest Bank, FSB The assignment is in the process of being formalized. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 160 Stonehouse Road, Assessed As Lot 15 Stonehouse Road, Carlisle, Pa 17015 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of the Defendant is: John N. Mushovic, 31 West Big Spring Avenue, Apartment 1, Newville, PA 17241 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of September 1, 2009 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of January 16, 2010: Principal Balance Due $96,000.00 Interest Currently Due and Owing at 6.75% From August 1, 2009 to October 31, 2009 $1,633.00 Interest Currently Due and Owing at 5.75% From November 1, 2009 to January 16, 2010 $1,164.24 Late Charges $158.00 Suspense/Unapplied Balance ($110.00) Title Report Fee $250.00 Attorney Fees & Costs of Foreclosure $4,800.00 $103,895.24 8. Interest accrues at a per diem rate of $15.12 each day after January 16, 2010, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: I I lo BY: Attorneys for Plaintiff S & D File No. 10-037039 } 1ly 1 - ,u; ndef- Pt+epaw Br. II C BWf F.S.B. (omvovAvw LM Deaus !dams of M WAwwV 480 SW GUNWOM PW off NMMM,, PA 19401 m1 sa"OCOW 484-636-6109 frbtrphone AtI#W P.T PF" :•••-P,eP. OF 0 w APH 25 HM 10 50 Aihrr record n pilau tomM tg: ? VAWr F.B.B., C/O WCUNW Sa B? ,a 901 Z 104TB Sr, s? 400/500 i S CITY, Mb 64131 Im sera zb core) pwoomm ) UpLtp bi ft IEP I)r 15 - ???Aboua]1}trGheFarRsoo+dai MORTGAGE MN 100055401261224895 D1r,18Nit1`fONB words used in sediau of this dooutnent am detlned batow and o0w wads no ddood in Seetieos 3.11. 13,11,20 ad 21. Cettda ralw np ding the usrgo of wads aced in this dooms= = rlio provided in Soetloa 16. (A) "Soatrtty lw*umafat" mesas this document, which b dew Vr3.1 23, 2007 , together wl& 91 Riders to this document. piro?r-Fiwie IH?INFiee?e Aire 1AOa0R?[ 6?1B1XO?R ll?it8 M? lM? its NI!!t ma- >' a N OnK, a" ti OK1989PG3966 t (L) "Enenow hates" mows those items did ere de mtwd in Socdon 3. me mlfhoefta Proo &, mm aw cappaassfio% mdaaak awad of dtuagoe, or pcoM& paid by my ta6d p mN (adr *0 i wwm pracaede paid under the oowa qw daedbed k Sedieas d) fa: 0) dtmw so, or datroctim 0411* Pmpatyr (m) maim q ian or albs addog of ail or say prat of the NOPWO; (0 casveimm in"of oendedro da; or (iv) W meptese udons Ot at ambdas as to, tae vehao nsd/or aaa"oa ofd propary. (K) "Morip+ Itutlraotee" memos hommm protecting Lander gpiaast the noopeyuicut at; or dcWt M the Lose. (O) "Falak Pgmast" mane the teg+dly scheduled aura al duo for (l) prmaipet aad iaatenst under the Nate, pies (ii) mw emowis under Becher 3 of this Sonny Iastna cat. (1) "RSBPA" means the Pain Bsume Settlmm Procedises Ad (12 U.S.C. FOI of seq.) end Its iaaplonseadsS rspltti m, I mpWan X (?A C.F.R. Put MON a they WOt be mnoaded frM time to tine. or my eddidaaal or ss amar Iegisladon or regAk" abet gpvwu the acme subject mOw. As tweed as Sh Security Intaalpneat, "i1i3.9PA" trafeme ro all n tgiamh wd resetkd=s doe we impaled in nand to a " Barony rekbd moaWp loan" even V60 Loan does not qualify m a" lbderaly raided masigego long" and RMA. (Q) "9uem"Of Is Intenat of morwwatr" mom ups Patty tint has taus tide to do p'ropetty, whether or not the paq bas at slimed lgarrnwer s ob%Watr under the Nate and/or leis Soo * Tumm ot. TRAXN%K OFMIS`I'S IN THE PROPEM Tabs Seomity kwumtteat seamen to Leadw: (i) the npgwmt of t m Loeb sad au rmwmL% aioae and modifee m of the Now, and Cd) the Pxfim&w of Bwrawa% covmmb and speestaus seder this Seoutity Ummmad end do Nola. For this parpm, Banowar does beauty maai plA Vw ad soavay to (solely es nomitee fuel Leader and Lendwls saeeteoas and esdW) and to ddb fsuos mm and =&%m of mm d fol miq doawibedpaapoafyWcamedinthe Cbtarky (7)rpe q?'Recvr4 ft JtaledkrianJ (Novae efftoorr Arbdkrtoa] CMOMREMV 7in:Par+cdlDNo: IGT 15 EMM A 144'1 CM HOW AID OM A PJW FDA' t which qu[mz* has the addmu of • CRUAMW !?I 160 MUMBO M FM fsbv ry Pumsylvmia 17015 r&p C ado] C N" Addeaas"). 'tOaBnmR WIPH A the impaovownts now or hereafter elected an the property, and Wl sasmo ts. gVwjOOwoes, land t3aalmes saw or heaaft a pert of tie pn*et(y. Al ropleoeaeats end additions eadl do be eomid by Win Sean f ? IahvaeW. AA of tae fm gm g h redarred to in this Securer Lastaanaed N the "Psopat(y." Bar mw wwwa amb and agrees dmt MMW holds only I%d 1hk to tit k*wa to AmMed 1sy Batow In this saooewas ssd od s) b= tae dpt: to to oom* wa law or owhw4 MW eroadse ? alloft we bhp. hdudk% beet rat lhNh d ffiiorIOt O K I 989PG3968 v.L ice- LVJ Ill; Lo viw&, tO fowoloae sad toll 1b0 BM)er, r, sod to tatce OW action NOW Of Leader Weladakg, but pat WW to, telefi ft 04 concontb Seoaaa* InshMML BOgR09V1Bt COVENAM do Boasosw is bWNH? wised of the NW bmW omvryad ad bu the Apt to wm*W pmt and cam ft ProPx y sad thddw PMIN r 1, 9"ev obeyed, 4100 lAxceneambraoces of wCOW. Ba mw wwxb alad wDl doftd paw* the dtbe to the Ptopeety 0100111 clam and donomk mbjod to oW a3ama6ronces oftooofd. THIB WQJRTiY Im byj 7M dicti to ° aoarorint ? IWPWW oovmoaxats Wtdk liaetbd vertadians by jwniadiatian UWa=M COMANTS. HowroWar sad Lendax cav?eaarat aid lgroe as falto?aals: f, paayasnst of 1i'dWVAy bumf, LrK' ow lone, hip Want OWV4 and Lab Battm w dWI pqy wbm dwm the p dWpd of, lod inlantt co, *0 debt evldesoed by the Note and atry PWW'N* 0OWn and We &A" due usdor 1M Nate. Boom* M810 PW farads far Bee w Iwo pnuo to Section 3. Psymwb due underthe NOW VA Ibis Sem* h ammefd AM be nab in U.B. MUM. 9, if away dWVk or oAftr ice OMW tecotwd.by Lendx au puymmt uWor the Note or this Soataity Iodaaamt Is WINEW to Lander . Leaormq? tegdto *g my or all snbeg oot pap oo b due under do Now ad tills Saw* LM<<wam be no& in oat or more deg following form% aai selaakd by Lender: (a) ce* (b) toonoy adai (o) owdfled blok ahwk; heartwer`s check or easbier's Gbook, p v#MW MW snob Match is 600 opus Al iottitutim whose depoeits are bmaed by 1 thdefal aBesrc? ?, ar mpty; er (dj Btedrolio ?sdxk'[Ira?x Pmumb am deotated teoeived by Lender VAN rocotved at tbo k" ian wed to to NOW or at such char locetian as easy be des ded by LcrAvr In nu=lance VA the OWN POVW= iu Section 1S. Londw essay ratmn fa pqmead ar P40d payment of the pgmd of pWW pWuoab are insufficient to bad dw Lam MfNA. T, xela now a w Pq =d or Pfd Pqmod ipadB dew to bdst like Lola co n=% rsilbou I wdwr of any e*b Lenora udw or prookSoe to its Ad& to w+eho sicb pgma d of p W psp?MW lathe b* IAWw is not obligled to q* enA Peoutm at tine 1100 each P9"'W sae aoaxapted. Iftaoh Pmlodio Fabmnt is . of Its eohodaIW doe dots, than Lender need soot psy iolaest as uatgkpBd ti"L Leader MW bold s1o6 uaspp?d faads mg BmlWW n mbes pq+mestt to bail the Low oaleat, it Bmlow duet trot do so what t seasonable poaiod Orda% l+OMder shall Gaf appll? MA Amdc of leaua than to Bollontz hoax R *W aaadist; Such "b Witt be appW to the ou*mmft pdacipd bdozo under Sae NOW iastp & d* IlAW to lorsolasaare. No of to or claw whbb Bammer uftW hallo saw or Into futwo ap Wd Lender ahdi mlieve SarowOT dam tnaiciaat plp?aaetwts dace coder the Nab ad this Seoz* latstttamalt or pwforariag fife comosits and Apoeaoaob teemed by Ws Socutity bdtwuud? App*tWm dPA nub or lWevfds. lbaapt As othtuwise 6"WMd 12 00 Se" Z,1N Psd=W sccapmd =A lpplied by hider *dl be Applied In to Afdoaraog aader of Pig*, (aa) bsould daft tmdmr the Note; (b) pelocW tine miff Me Note, (o) som mans due >asdar IiecUaw 3. Suet pq?mests SW be apipiiod to 0* POW C Psyw %* in the eder is vW& it boomm able. Any trroa& t =on* *0 be p?pdad &!t to We chows, woad to awry abler womb dun Wft this 9oomtty bottwoo, ad Om to »daoe the pdoolpll bd me of the Nate. IL 1013010d =auk r @hw a pq=wS from Domwer a d ax ? A ?is dI NN some to paq EW We alb" due, the paymW OW be Voliod to es nab" tad 0 bW cJW&L a, to the mare this sae Paiodle P+gnmeat if exieatt ft vacua pWmo can be Void in dsi1. To Me extent 00 if lepgmetat of the p b& Pkq+mmb . , od to Me OW ctooefa aside A er ft Peymaat is tippled to Ake fop POMW of am of mane P1tlodio Po"8104 Mb axcas mqy bo Apptiod to oW Ide obago die. Volaminy peepab mo abadl bo Appbod t'lrat to uW paepatymno oboqu ad Men as described bs the Now of Mtsoalla Om honals to prlo*d do wider *c: Aqy spplicW*o of p9mmats, taasllrat?I I proceeds, Noto ah111 not mood or poslpoato the do dame, of absetts 09 tom of due I!oliodio Pgmatq. & ftmb far >two r ltsssta, >3otrOM A& pay b Lwdw oa *c day Padadla Pgmnb ate due mdw the Notes mg the *b la padd in f4 a auaa (&a" Nm&") to provide tar 1a0 - of Aaaoum do hr.. (a) wand uussessmeab and other Item wldoh an dtWo ptiu* arar this Saonrity lastr MM are alien ar ettalmfb mn an tho 7?s tkcr- 1 4d l1 o?nCWW6- h. BK t 989PG3969 p,?t?y; (b) lea dmN pymoM or pound sorts on *a Ftupasty, if IW, (a) p smltros far aq add aM ots?ae tegalaed by Leader tgder Sachem S; and (d) Martasgs Irtsaaaoe Pswoirtma, If maps or mots sums POW by Basmaer to Loader hi am of the por a d of MOM b a m p w4 mms In aowademee trill Mee prroWM of Seoft 10. 't'hem items am caged "Broom boom* At odgkstion at rot mW lose dating der um of the Low, Leader aq? mgdm that Ca ? Association Does, Face, end Ameeammats, Itasps, be aamwed by borrower, mod wuh dues, toes sod aesossmmis dmB be at Sraw Item. HaeroarW"plem - 1 to Le WW mM Nation of =ergots to bo paid ender this liegidn. Btamwsr shill ptq? Lender the llbrads far Bootee 11m mien Linda ewdvraa Bettower'a ~on to ptgr the Ponds for mtp or al mow Iftm Wader ugly waive Dorm m% obltptbs to pq io Lando F m6 for ow or ell Escrow Isams at OV lose. Amy sorb weber me/ eel be b wrltiag. in Mee avert of sari waiver, Bormwmr shtdl py Ancay, wham and whme ptostbk."monk du for any BMW memo !br w" pgww of Funds Les boon waived by Lander rod, if Leader rapine, shag humishm I.msder re-e ovddm ft sods pynm wMa, such time period ere Lsatdcr may m plc. Do mm's obliptiss to mshe arm sob and toprovide rm4 a shall for all purposes bo deeded eo be n oovsmamt and arroameet amidud in this Snu* iatetumeat, as dha *= "covemmt and sipraasaC is mad In Socdon 9. K $as ewer is obligated to ply Beaorw items d udly, to it waiver, and Bouawa 0& to pq do mmeom dine for in Em m Dan, Lander tatty a ovise its riar Soeslam 9 ad pry no am mm sad Harrower shall than be obNVW under Sesdom 9 to mpeo? to Lender may loch amount. Lewder coq nevab the wdva as to mtgr or sM Now lWom at say thta by a notice given In aoooadom with Sacdon 15 mud, steam such revocation, Bostowar shah pier to Lander an Floods, amd is such amunnts, dart as than ngld'ned mdw*is Section 3. iamder coq. at may duds, aded reed hold Farads in m moment (a) qd dW to pm met Leader to may the Prods at do dose %milled uWar RESM and (b) eat to eteoeval doe mmobtpmh aatosat a hander oar now coder REWA. Lasdor shag eetinhste the amammt of Pvaeds due on the basis of , - pal dae and spanib! - ptita k of espemaitmem of falm?e Escrow Items or Aawise in accurdman with Applicable Lave The Fonds sbm11 be bold In m hadtotlon whose deposits at hwxW by a oldest sgemcy, im6domodity, or aatittr (iao eft Leader. If yonder Is sm is lluliam whose deposits m so lasu red) or W may Pedatd How Lom Bak Lottaier shag apply rho Faads to pq the Sscraw Items >m last thin Qb time ?ac?ad order 1tH?iA Leader slut) sot aWaBe Bonum f'oe' holaimg ad qpb* the ponds, etmWIY SaWft the em ow aooormk or VWifying the > tlsmns, tmleu Leader peers Baerovrar iatasoet um Mte rltods mad AMiable Law pa n% Leadnr to mmiae swb s dam, Umteaa sin agmese t is tando in welding or Applicable Law rap" hOW to ba pored m the Funds, Laodsr read ad be regpisd to pejy Baeravraar aeq? imtaavst o` eea>? our ilte l?pttds. HanvKroamind l?smdsr arm mares In wrilia& bowem that Interest Ad be pill as the Fronds. L War dA On to Botmwe , without dwae, an amssd moomft of the Imrmds as nq&W by UVA. If there is a soplms of Famils held Is awm% as de6ood under 01A. Lander aid moaamt to g mnw for the eta" fm* Y "Cold, moe vrldh REEL If there is a shorhtae of Paeds bald is escrow, a dst3sed *Ww RMA, Leader shag no* Borrower as rophod by ROM# and Banotrer d M p W to Linder do amoaaa mommy to maim up 1% *wtese. b aocardauw who RTMA. bud ba on tame titre 1? anon tty gam mmle. Mem is a de8dawy of Fm& laid is anm% m d -do, 1 under REVA, Ltatdsr shag me* BatsawW a amp>!ud by RWA, end BorsareYSm im py to Lowder the amount lmcessary to mane up the &&A may In socoadence WO REtt3'A, hot ill no -enema than 12 tmssMe>s? PL Upem pgrmeml Is fidt of aB sums roasted by this 8sasrity Iaedememt,14nda s>,di prampoly mSmd to Basrowa amps Perils bald by 1.aodar. d. Chagor Lkaa. Bap o er ehdl ply all uses, asmmu ty congas. ibhes, and impoeitioss WdbuArdft to die Psotatty which an esteem pda * over this Seaside Iadrnemy basebuld p0rnwb or Seamed tents on to Phopeeg?, if ants, and Co mmtmlty Association Does, Foes, and Asatesmo, if may. To the asneat that these it= are Nscrm Isms, Borrower dtdl pry them In the m+muar p udM in Section 3. Boerowar sW promptly disdtmp any Hen which has pia* over this Securely tasttvmatmt mkss Honower. (a) agave in.vesiting to den poyment of the obMpdam seamed by the lien in a momer aoaepddtle to Lender, but oaiy so long as Borrower is prtaming such agsommeW, (b) onto the lies in good firitti by, or dchumh asst etaioao®am I oaf tho list * hail pteoaedlags which in Lmda s ophdon am* to Paved the admanmamt o! the Hall while ioeo p mcelmliap as psmding, but only =0 staoh proeee6m6s sore coaoWded: a (a) saeaa from the holder of the lien an spumeat sesidaotory to Latta subodl6ft die lien to this Secarhy bmhtsmaat. If ?'ttis saeMa?.>1ttc.- >'aaes.rte otoet,w.c?tiwr.»s? ? BK 1989PG3970 Leader daiermioa dot my pat of the Property is mW eat to a data AW can 111030e Flatly alder 0& ftu&ity lm*v wet. Leader mW give Harrower a soda idendrAn the lim Whir 10 days of Aye dds ea wlich th ullim ie g(vaA, BanoaMrsYA s? Aar tied err doe one err mac aft acdooa eetfo?i d>tdve in dolt Beldam 4. Larder mq Barowar to pay a css time akmgm for a eat ede b tans valikedm emdiar wpetltmg wft and by Leader d oosaeadm wfi tlda boon. s lrevpedy 1womm Boma SM keep the ingeoveowds law adding err henroaAer wow m the Prtapa y ismw Ndmi does by ft bmwob 6roloded W46 as *a "es?ded oovww r eel AV saw horn ds heoht&& bat ad Feud to, esdapokes mi Mods, far wht0t Larder nogalns isd wev. 'fide bmseaoa dot ban maittteiied is the ataomb (is*W4 deducdbb Wwb) ad dew rho perlade that Lander mpbed. Who Lwda p to dw preceding samom can chalet dwiog Sae Om of the Laos. Its hretsaedoe wader F the loasasaa Amll bt stolen by 13mrovter $014M Laader'a right so dieepptmve Boa vw% eaaiot, which dull sat by eamreised b• Linder my mO m Heerorwr t0 l'? m caeseodcs wi6 this Lana. 4&w.. (ea a aeo-Im dmp for flood tome dew, a Obdift ad tAadcing senrvias; or (b) a Ow 4w dow tier flood sme daian mimfion end aedtidaedm serAces sad wbequedl eistges Oak floe seeegpidg¢ at shallar dw w aowr vddab toaeo mmy might affed " deaemkAim or msd8cedcia 9aeia c w be appoe silde !hr tan pqt of stay fm kgpowd by the Federal Fmempgotwy Ma?smees Agency' mwtm the savi w of say now neat desemefmrdon n okblg *= an objecdao by Hanower. irBserower Nis to sradin my of We oovermes desmibed Om, Leda mV obtala Weeeums com m w at Iaader'a erpdw gad Bewanvef's aepeme. Leader is under so obfi n ao prohaw mw pwdaWw type or eatoant ad' aowa gee. rmsAmee, such coverage abaft corer Linder: but might or inapt no p dad Bommog Botmwoes cgdbr lathe Property, or 00 ooateab of the Prumv, e0 or IW bmd or lbdsft sal new podde grader or lase! aaw my don was p svlov* is tact Borrower siclm--,A- id *10 oat of the WANINa o0veerape 10 obtslmW ndot sigpttcsatty created to coat of dawsance drat Botrotrer cold have Aftioed. Any as cab dlebaaad by Lander mdw this Section S Abell becom additioaat debt of Hanover at vzW by this Sam* faW==L These u comes shell boar idmW at is Now tae From the do of didstmteameo' sad shall be payable, wilt avab hMNveR upon vendee tl+odmm lasdea? HoQ'owsz regdadagpayseast. Alf ieearaas0 l ?agese0d by Lander Imd t==orah of suoa poli0ia shall be Em of to Lesdsr'a ridAto eaole poBdas. ahdl radwb a w adetd vwWV a umusk ad shell seems Loader is aarr is - stiller m as =law Fovea. Iwr w ahdl hard is right to bold die pellcies bad sm i-,al aan-M-1-- If Lodrer requbms, Bodmeder shay pomp* ire to Leader all catalpas of p M padeoaa end rtaewd nodoes. If banowat d t m nay foam of haaarrsasee wvstlM not aO"w mfAW by Lmbs? for demrge to, as de meeks aC tae Pmpmty, mob pokey Ad ia0lsd0 a sealed raottgW claw and shall dm Lander as wAngendee "or a an addldond loss Pay= in do 0vant of lose, Bmrrower"give pr mpt nodos to the iownce omiar and Leader. Leader marl males proof edloee if Aat made pl oaeptly by Bacma+c Unlam Larder and Baaowcr od"I .-A a vw in w ww hou,sa potaoe l wime6w or not the udubhrg Mawnwe cuss ragviwd by Landon dM be app" to emAorados er rapdr of Aar prapm?y. a der pstdndios env W Malibfe sad Land1['a sero>tdgr is rat beeemmod. Daft ssoh eopdr cad mdoFaVou period, Lander dull bave-the di ft to hold runt iudaraca pump me under has tad at gppaetmiw to impel such 8rWmV to mum the wak has beet oaaep>eled to Lodefle eWehaNmn. provided that pith ioepeadm ehdl be mudestlAm praerpdj. Lender may curse poowds for the wpebs and raww ft in a d *b Payment or inn a main of p mvw psg?seaedna as the wok is comOMA Wass a qPONAW is made in cr Appfieablc Law re qdm WmW to be paid oa svoh iaammm proaedde, Laadat be required to pay Barroaer a w ium" or edniags an surds proeetda. Foes for peUe 4wlvM or alter Ibad petits, rinsed by Harown shall not be paid out of tba insurium praoeede and sled b0 do ale ob11/ om of Bae*m if the mdumtk n or repdr is not ecouniCslly feWbb or Lakes no* would be Leam4 the ioamtmce praoeeds shell be sped to rho meets am•enad by Ads Swzft tnWamest, whaler at not than dvo6 w* 16o mm, if may, paid to Bmaww. Svde kows o potash "be applied W the etdeer podded it im Seabee 2. if Boeravter aberndaos is Prnparb?, Lender ra4? 810. negatiaso cad sslde seer averinblo herdaoa0 aldm ad melded mestems. Lf Hanover does rat vaVand wilt 30 dqs to a sadee Am Lander Aral dine isatrtaa caner bas ofFeted to oak a dais, rtes Lender mmy negadete and a* be abim- The 304my period will ben& whom the sadea is given. Em epi0ar avtnt, or aLeader sogdm Me Pmpc* under Section 22 or odwwlsa. Bar w hereby mwu0umk vsil%wr Muletaaeedy4=31Meatlu rw6afed t?wM?r?ra? s ??? OOON.fYCMeMrs?ai,a 9Ki989PG397I aut u to Imdw (a) Ben+ower"a SOO to IW iawance A'ca904 is on MGM ad 10 04"d the amu" 'NOW under tiw W* or Q b mft Iobritwt and (b) say cow of Basmewot% tins (albs[ an the d* to OW I" of ueattnted mWomapUby amm mr) ladder aS imttrsoce poBaiea coverh* Ae Ptepetty, laoodr a suoh tads am sotltt eotewBe of the Propels. Leaflet may No dw itwmtsno0 pnsce/ds elf's' b tapir or testate the PrgratY otr to lq ataotttds a cadet ttw Nab or this Seau ft bP&vmo ; wb dw atoll Asa doe. dtddeeae per. DOMA r shall o cM asmblLiL, sad use the Prapteq? at Henuerer b ptipalpai P[operd m v?IWia 60 dtgra ate the attfoo of on Seavity ltettmm and d a cadba to oawff *0 eans Hotttsarer's pttesipel mmideam for at low one year air dte data aocist wLaam wbiolt OwneR inp mot be wmamuft withheld PenmwvW am, b%dabwqusee and ProteetiOR of the Praperhi bsPeotiaas. HcaO*w shill not 7. do". dam's or bv* as Properly, allow the Pmpaty to dot a iarato of oeatpit Vasa OR do Plop m. Whether ar aO1 BanolNar is mbft in the Propaty+ Btlerowm shell mdWk the PtapsM b ceder to prevo>tt the Pmm* from dobricaft decteasiat to vdue doe to its ccadidaa. Ualass it is dota'mnnW ptttsNt?t to 860" S bet mppidr ar is nat eamctt lly ka*k, >3ottow dull pm* maple the Pt+op * If dtwwd to "*w immoilm fmtltet da demo m or dam p. If immure or caadentmidoq pmoavett+ ate PM w? Aisr h at the td* ay dW PrOP*, BOnuwer shall be t+stpMe for MPdft 'DrmdariaB oa? rohmad p mo" for sash PwP?- Leader may diabaaa ----sods for dta mp of GOarbradooff I.ime a maoosds pOUM or in R sores of pmt paymem w dto wok is acmpl0tad. )£ the inwAUanee or caadpaaatlarz pmils am act ad0oisat to mp* or testers dw Property, Bottt?wer is not regeved of BonGM's ob atbn for to comptedod of=* sopir or tm4ozlm d ft Prape Nit has rattaMablo xm& or its st w may mdw masoamma saloon W=and iaMapu cause. J Udw OW bspect the ia#aia Of ft lMprov b on &a prop*. render g1w Bch"w notice d the dow of orprior to web an iadoslor Wpwdon spocifyiq such rea umMe coma. !R Deetswar's Loan AVeatlor. Batmwar IIM be Is 48W* N' da'ag the Lam "PloWon ptoocss, Bettan+rar or aetr 1 or eo adkt at Wa direetiem of Borrower or wo $meotr? losowwp or eanseat gaw asslalsm fadto, or halms infottpatlaa a ttstememts b Laadar (or !bided to -'evils Leads with tadee? htfasradoa) in Comm" wit, 60 Lea. MOM mpteead?oaa iachlk but We not limbed to oceowdr+g B.Owar'e swaps DY Of 6o PM WW at ?rrovwr's peYdpal eaddasye. 9t Ptupedaa of Lm dm'"t laws t is the lrrepamty ad t«t?Ma tilidee tlrla nteaati(y habettaart: N (s) Bart+osroe ills 0 petku Ae oavearam and COMM Wsmm% ht the SON* hWwA@ ' (6) tftert is a hpl lrboeedi Ast apitLt Itgsm6aently mart Leader's iatwd in dw Peapet#y Omw tames ands' *k Saauehy (welt at a pmoaaliad In babupky, prabdc. for c=Amwd= cr it a I for "btnem 1 1 of a lion ww& now dwb -laity over fbb &aarity? bs&M=m of to eafam toes or ? or (a) Boger ho abaadosed *a Pnpettjq than Collor mt0? do std pq fat whdever is teataotiirk ar F-if to Fd o< Leader s Moft *a vshto of Idowd in tha PtopotIV and dS tts under this Sooathy bWw3I t, R Pr i a-A/er X g aad/oe mp:frntt file Propft. l ou tr's adim am lodmide, bd ate ad litnibed to: (a) ]obi ea0' lasso aawod by g lies which hm F&io* ova' this 5 i'ft tmtttmta0) appeldpab oom$ aad goo* (o)PsFybi nonow" sttcmoys' sees Doi protect ib htmmest in the PrapatiY moor tl?tls Now db tatUM41MOat, indaft, is swmed -asides is a bmbuM prooeo"& Swwbg 1e Pssla(1' , but b ttat limeod Atop 1 ly to maloo repakts, dMOSS k" OR"" or botad np door's ad udadosrs, dtaht wseer Elam pipes, e>ftniasto 6 or alter code vidadm or demowwwm c adiflook ad bmtt tMillties tutaod ca a Off. Ash Lepdtr tray tdoe action, sale'tlda Serum 9, Lender does not hrve to do so and is no uttdw law duly ar ub%,jm to do so. it is agmad that Lett iaoora no liability for not W* ay cr et aatiaot =Mwlwd mda'this Sallies 9. AV anomts di onod by Landes undat this Seddon 9 sball bcome additiand debt of Batrawer "Owed by Ads Sea ft bubwnt 'thole mwmts shall ben bdolest at the Noto tab fnoa the loos of distmsamad tend still be pegrmW wlth such inbtes6 upon nodoe frm Latxier m Bwawer lb9enntiat • If dda Seedily Ittsa+m ut h oa a Umehold. Bor wm r abdl comply wjdt 16a previticas of so o site. e Borrower P" fee tdo to 1% Prep", the leaschold and tlto fen *10 shsp act taaBa Wltees Lollar ?lat to the tnetdor b vrti6ag. AJLOWA F.nity-torte M.dtn?tate t?tse ulaotat >Na7RUeoerr t?mns aauMk?t pbw stmt a?ot SOL"m mcl: Pats 7 prti??? UK 1989FG3972 it M•--- Lsarsaee. V Lauder ro rbw MMPP Iommoc ar s codditiaa of mw* the Load, Bwaser sW pq the pnmfums rsgPkW to mambrio the Mar1<sge hu urmm in eftd. It far ray ve+oo, to NwVV u mm covermp mquW by Linder comm to be aviilabb am do amm tosser Ow paeeitass(y pmvihd adch k w m owd Borrows' was required to make sq wd* des%WW paymeett teamed the press- 11 sot btattaaee. HeeroewreshaN pay the m obtain oovtrtyp sabelaa?b? etpdtq?lsatto the ?gsop lasaadoe ?sevlouelY is etlhct. at a coat saTo+hntisdy egdtntkat to ? oast to Dam+e?er of tlw bioslpoge Iasatmw Vnioudy In effbA from em die wb m WV bow mtectmd by Ueda If saber egdvslaar lyforlrA/e h>rurmoe commoge Is not svdIdW somosw d mU cm kw to pq to Ltel W dw amttealt oftlre repsotrAt?r d p mwk that trers doe wren the hwwwacs coverage cemrad to be In OWL L dw aril ao mmIL tae end Mob these p4IOW" ss a nog mAmd*b loss rermrvm in lieu of Mmtpp humumm $a& Iota t!asleve dhall be nca.oebptdabis, iratvtiliamadisg *6 fast that *0 Lou Is Wdmddy paid is fad, ad mender did not be segtdsad to pay Harrower aq? We is or ear by on such loss mwvo. L ww an no logger r+pire Im m mm pep w* if Mort" lnwemoe oovmgp (in the amount cad for tba period abet I eider MOM* pttvtdded by ass tosaibr wdmoted by Ladder egdn bevoema avaRsW h obtdsed, and Leader rejwm sepsrseely deaigaated ptgraoaab towwd dte for >rlertg+rae humme. If Loader rogaired Mato biwaam as a condtda4 of ushieg On Loa wd Ho Mai ne ww to MA" sq m* de traded pgmWA wwod tae p gar Mat?Ir/ lastgaaee, Bmsrom Am peps 60 paasdms tegtdred to waaial? I b%M Inadraoce to db4 or too PrWav • aaa rmtfiadsble lots low", teed! Emmwelbr mpii mad for )&~ bur om dads fa mommime wilb a w writtm Sgtea WO betwm Borroarar aid Leader providing for snob toro?lmdon or until UnmiaWom Is rb pW by Appliosbie Law NOON in ads sedima Is dbata Bowmw% obs'pdm to poly rarest ado fate petavldsd fa the Nets. lltcevw bbam?moe wimbwsu Leader (or any eattty that purdmu doe Note) for eorhdn lassos it may boCUr if Bosew+em does not rytgy tibe Lam as rpood. Borrower is not a putt to the IMloetggs bsmasm q lamas evduato their fatal rink as al! each issnrasoe is fusee $om tiaae m thee. dal atq enlor iota grvwnob Nits other panics that dwe or modIfy &W *k or reduce losm. 'i bin agt moot m an ftm and eodiliosa that an mdslistesy to tho' mm4w immu and tho other Iml y (or parties) to Ow s®esmoats, 'i%m wam"ali dbay MOO tee lasarer to m ho p pma uiag mp? soutms offth oat the mosqw iasta?a magi save mra9able (wbkb Ownds obtsiaed From Mattptge vatraaoo ym dmsts? As a tmiit ofllpae agreenseab, I,s?oider. sa/y P ds + m10 sW rriesrt m aqr other su ty, or aq a=* of spy of doe doting b& mgy vac ive (dimedy or bmfimdW) mama thtd dm M Mon (or sd&V be chose"dMI as) a pordw of Bom war's pgmonb for Mm%W Towsomm. iik d p hr diving Igor mo ftimg 11w riot---e insurer's ddr. at aedacing lasses. N ai l speamaat P-9-0-AMP-m- ik tebm a shoe of do ism mis risk in embsup for a dun of the pmmima pdd to the W mw, the an t is of*& teraaed *Qqi s uhmmunio * Fu* w (s) Any w A spteataab will not stied the swowsb that Borrower bu alre d to p q far iViwiMv Iwo err OW ethmr IMMI err Ihs Lana. so* speaaonw will not house ON Sao" Dean r Will we for A[str WV bmnc4 end thel? wM not wrote No town to may rehnd. (b) Any a mh svm ab win Ed street du rtgab ilormwer b" - If a" -- wMh raped to the p bowme" tueder ate Awmeowmers Prowetim Ad of 99" or oar e&w raw: Tbm fob mq irtdsds dw 0& a vmWe omesio dhdwtm to ngmd ad aboda maoritt w dthe Meerm/e Irwraae N to bavs the III is Ie >iwwm tstn¦itgded sitlem dower. aatiler to [solve a t In sf atrS? Meesp{e fousaes psrlalaAS fleet wars gaaraed at tlbe tape of stash esaeeladua at• tanrd It. /1a? of )Idea tesou Froceads', FerYd vin All 14saoeltweont Proceeds ere hatsby assigned to ad do be psidto Lander. Y the Pmpalr is dwaesod, such Miwel oncous Prooeais :ball be gpsed to reeraaiim or repair of the property. if the restosttdoa or repair is em miedly femMe std I.erader's secw* is not Womsed. Doing such ropair wail ¦ewwalm period, Ladder aball have *a dg#tf to hold much bdudhnww Praoeeda ad radar tun bsd m oppari mky to inspect such Properly to ensure the vvotk has been eowpl*d to Lender's addwdeu, provided that noes iaapeofiaa sssli bo uddaMdcroe raw* Loader may pq fcr' ales reports ad rsstmesdea in a sw& dLbiwmansart W `a oars: of p cwm pa mew as thm work is campb tad. "dou as agneentsat is made in wd* or Aff unab Law rapirea httsrsst to bs paid on each htisodlssemns Prooseda, Leader sW not be segdnd to pay Bawum xW Istaeat err cxrubgs on such Miscelknom Proceeds. Nthe resiocodon or mpdr h toot economically vela iial INO-PMdb'a1wa NbeAft4a no UNRUM nysnmamrr nw? e?a.w aw= awe www• IIIII .sasrurtes hcc- l?eadt/ iown?sraam p ?? oewsl`ewea¦?sswa? BK1989PG3973 ?ta>b1e ? Imedar,s,?I?y vrot? ? tossened, the Mieaeliaseoes Prooaeds nhdl bo sppliad to toe stns seotmod by this Saw* bdmm da whadw w not then da% widt the etc w% If at. pedd to Borrawer, Saoh Mk@NM as Ptoooeds sell be app W h the pier povMW ft in Seadaa 2. M the evsd of a tdd ttl&& daekoedon, or loss in vdw of the Pmpr% dw Mbodkoem Proceds *0 be gpjW to due mu seamed by rids SecwIly WmtmeNk whalher w not rhea doe, with the moors, If wW, Pdd to DWOWO tie event aft podd ter in& deatru dou, or loss in vrha of & Pagaq? br wbicb the Ah mrdmt vdoe of to Pffipse is®.di -1 Ry before the pmdd Ittldgg, dewoo" or loss in v*%w Is *Pd to ar I[SOW ties the seramt of the sums wvwed by this Seawity butrompt imwOldely before the pehsd times, 40drowao, or loss is value, wdaw Borrow sad Loselw GOt M= agree in wddeL to sum sewrad by dd; SwI ty hOMO t shell be tt.daved by tbs emamt of the 1ldsoegae.osrif Proceeds gdndtipiisd by the fo>bavias freodoa: (a) Oe toed smoasr of the emea "Mod IMMOdistely before the pu" Wring. destroatioe, or lws is value divided by (b) the Mr wstiaet vitro of the Property Wmedidely b0iore tie' Pfd td&L destruction, or low in value, Any belsttce abdl be pd to Borrower. In the evasat of a patid wdu& dGetmellon, or low In v we of the pro" In wldab the fair t wiw vdds of the Propwty homditaely bdtw the prsdd taida& dedructioe, or lose In vdre in rem dwla the womd of the taros seated Immedi0sly before tha partial tddns destructive, or loss In vdue. anlsss $teoosear and Lender athwrrlse q= in w*ft tbs Misveilmoous Prom & shall be sppltad to the sun seamed by this Smartly beam t whadw or ad the seas =dm des Nthe Property Is a wkwd by Harrower. or 14 agar notice by IAWW to Bomw *A t OppasiDS Pa t (a dof'ieei is the wed sentwoe) ofitaa to w he an rwad to seals a chdm for dousM lad Ltatder wlft 30 dip aft The debt the nodoa u given, Lenda Is atrthwbod to collect end V* the Nbodbom Proceeds anther to 106orsdm or tgwk dthe Ptopeely or to the am switod by dds Swaft bdument, wbodui or not dm 60. " Oppodni Patty" tnsaoe the third psrly dud owes Borrower Mlsce Ismous Proceeds or the pity aOW se110pt Haflwa+ar hsa aright of action In agu to M well s Proeeadf. Homw dbwD be in depart W aspr action or pocee g* edtOw civil or aZimkA Is be®m 0nd, in i eoilw% jedpt, oedd nsw4lafw ilikrme of the Ptnpmty w o0w atdortd impwl" l oil awler's ialuM to tiro Proper(q or 00S Mailer ibis SOFA* la b Barmy can an gash a dafmtt std. if avatordIon has .own rnld, rohtltmb ae provided io 9satioa l9, by owsing the aatioo ar p to be ft a rd ?d4 the :in Ltntderb jrtdpmo? prooinks Sw6 lime of the Ropatty or o6w mdwlal is pbeneat of Umbr% Moved Pro"* at d¢bi ttndw tide tied * low mat 111 proceeds of any mwd or viaba for do W flue are ally b to dos wgwn otd d undue, imeroet in the Propar(y ate barehy --ad dwA pddioLoWer. be applied is All ? Prececda dug sae not VOW to radon dou or tupair duo P1nPaaty rho order p owIM for is Seoflon2. a Bm7' WW NailRdaMadl Forbarsuce By Leader Not a Walm Exleadon of ? BforpW p?ar or magooodeo of emmtitertion of flue amps sawrsd by this Security Iaovewt VoW by sari ftoo r in homes of Hummer dill not opmee to rabrata the l MNY of Berr"M of Mw Seoofte" In l&wW of Norowu Lender shall act be toqudted to commas proooadi p upho my Summw in T i 0 Rd of $asroaer or to teime to =Wad time Aw pr07uM or otberw ss modgy anord o 60 of *s stns moved by dds Seaatdty Mtttnmad by reason of arly domead mWe by the a WW Harrower or wily Swoeeeaa is >at rw of Borrow= AV t9orburaw by Larder in oxwol tg any tight or r=* aWkWh% witUoss 11mirtlon, Lsoder's ?ptsaos a[pepasss?f: $vtn Bard petaens, o ar Snaeossars is ipkted of Berrowar ar bA assoeetbt less tbep U?e aobertd diva doe, shall mobs a waiver of or peohtde dos exercise of a w fl& armssdy. M Jdat egad toward LabWN C64dpm; Swove wn sad An%n >fnred. Bwower cove na and qpu thin Barred w% ova and ti IRly shill be joist and savarol. Hovwvaly aey Borrow wu 041" dds Seoarily bs*uwAd bet does sot awtaabe the Nate (a "eo-sriyret"1: (a) is oo ils Saco* glut eery to tnae/gltps, ow ad oonvcy Ow a 4par's loin rod in the Pmperly under the scram of 0s Boos* bigmag (b) is tat pen o* ab]tgdsd to pry the saran wowed by this Secort(y Instrt ad, (a) spies that Lender ad any other Borrow osa egroe to wand. t w ft, Meow or mWw mb accurtroadd ow with ragud to the term of iris Sepuby buff out or the Nate without the co-dgoer's ousat. atsikarMaigMFs?irsaaN>Kael?thea?tSrttussanrr mw?s..?..,.....••• swuz? pW..- lYwclort{ eaoOAt,r?"ar.i Not I IN mum 8K 1989PG3974 Ssddase to Ow p mvisb m of Smaiom 18, say Swomw In Iatarast of Boom= wbo 4511110 BW*wer's umdfr this Sits' bm mmt in wnm6• and is approved by L Ww, shill olefin all of ealrawr's rot lepMs ntder *b so=* Tatar =ML Bmawc"not bo r deased Am Bmowa% dblwoas sad Itabiitq? >ader dds Seoawlty bompsm miss I.ader apies to ouch reams in wrift IU oovemab ad apaalaass Grob Swuhlr In*amsat shun bird (eacept as provided is &md?m zo) sad bum the saamm ad OnAWW- 4esi I Lm CWWP& Lender mq? WWW )Bmawar fm for setvm peso =W in eom mum with Harlow', apbA der do propose of proaebng Leader's itdmW in the Property and aader Ads Secwlty InImmum bcigdiq, bid rot limbed to, 4ttarnnys' hm prop" kWodan ad vahwim tbs. Ib npcd to say qedi% f" to Bosmwm Ad am be Cgeowd is pmhftgn an the cboft ot Len not a dad t tMr an UPPOWY P by 11do Swm* Ieshaamt or by AppNcable Law If die Lean is m**t to a law wlshch sets naxim m loan ohsrgesr ad Ad law is Omsk bdmpthaed so 69 the hdmdst or odw loam ehwan cahoot or to be coliead b Oomwdloa with tie lad aamad dhe paoeodW ilsa# 6 fts (a) may such I= chop dwH be ndnad by to smtawA a wvwy to nduoe the dwp to da IkA std (b) mq smta aba* coSeobil ftm aasmm w pusaftled Hmk *0 be to wltlertUe Nft of by t11? a Basrowea Lamdw a gr d XKW to mdw tbb Wand by ndwk* 69 pmmolpal ovmd drat Wtid to Banoa% it a< tffimd ssdooes pimiPai, the taduotim w1M be tsfded ss a Pascal pwpwwaht wifhaut IN pnpgwW char p (witdba or ad a p gmytaM cb I b ptovidW for undw the Noes). Dwmwer's sovo "ce of wD' snob "twit now by direct pwjmetd to Honower will comeb1a a waiver or a w sight of adioo gattae+e =I& bra ningS alt Of" ovaaba'e. I& We"*. All nalm even by >3mwm at Lauder in conaectim whb this seem* lmkwmeat wA# be In wddog. Amy nice to Bonowa in eamnecdm with tbls Security hasbsmmsat dad be deesped to have bsm givan to Humm wb®,sailed by first cuss nail or whoa scumBy dellvend to Bom woes nodes adhm tram by other tatau. Notice to avy am Ha mover dal "=* M 000 to ad Htarotrels Unless Apptaatble Law eoapo* odhs wbL The notice addm shad be do Ptopodl Addnea unties Bossawa has degmdssd a ,mbmdas noise addtw by sauce to Lades. Honum dada pm ^ notia? bolder of Bonowee, cbAet/o of addm v Lamdw sped0m apooelor far repad>1ry1 aossoprer"s d +A1sa Haerortrer slwai +tq+est a charge of sddtwa tlroa& Asst spoalaed prooadtm. Ibm mmy to only one do ftwed nice addsea under this Sooeft imb s" d aw =0 time. Amy noiloe to Loader Ada be Oros by dslivalag fit or by mWft b by tuft d w roil talmad 's W&w MAW breim pleas Leader bas dedgaeted magw address try no" to Hamm Any aadoe 111 commndon with des Svotft b* mmw aril not to demned to bane been glym to Lender=W s, mdvad by Leadm. V asd aesWee tegaimed by lids Boom* lmtnaowRIs also lMs pirod yla Wor a Law, the Appikmble Law reglliememt ? her the t?syaimamant I& Gwmm mi Law; oevw Ili" of Comdruell6w Ibis osaeity? Ian sbsil bo gavused by bdwd Im and to law of tbopd n in *WA fINS PeapaW is locad. All d 46ftMim eadsin d in this BWN* b*vauw u* plod to aaw n banns ad lWa tioes of Law. Appllaabb Law ?t j? or implift allow die pia" to agtoe by omtraot or it MI& be sibm dmO as be comp - I i a a poMW= ldaim t agoommd by cowmt. b do avm do aq pravida or dam of tad, Seom* bs mmm or tie Nab aoafth wlli Amiluble Law, such cadlict"not mOct other poovhlam of t* Seomdty Inshuat * or the Nola wWA on be gWea sQiet wWwd ms cowucft ? 8 shah pow M4 iaalsKle As need b this Secaft Inmuaseak (s) words o coaespem asthma yards or words of tbs tlasiabe gomdor; (b) wards is the siephlnr shall save and iaolude tba 41 plural sad vice vita; =d(Q)9w wom'Saq+, Siva solo diaa doa willim my obi ram to Was spy scia . 17. Seem moll tw Bamma shall be Sim am oopy of the Nob and of Ads seco pr b am uL IL TWOMI fib' of tM Pto m* or a Xmddah Inknot In Smwm As Deed b Ids Secdon Is, -bu t In the PtopwI aesaes my legd or b ddsl hknd in the Psopmty, iaolaslim but not 1 mAml to &ow bmw&W iotaeda ----e 1 is a bead for deed, coum of for deed, bsWk ent seta coobw a esm?ow svaateat, tbv iammt of vhi+siob b Are ftmas p att oby Bovo= at Phopply a sayflow do to a pmbmm If sAaaopr pat in dhe Peopa ity rs sold a a mma ed (or if Bonower is ant n ndmd pmom sad a bmwi& t Wow is Honower is sold or w ms6wevd) wdhout Le Moll, prior wd#m cooml% arse sm+alamsl ra teartd Hit i 989PG3975 w mww"+ osaos,tt.c=~%WKbrL Larder saq ngtme lamediabe pgawt Is fag of all same saaaed by this Sooaibr l amment. Hawev@4 teas optim dwl not be emmoieod by Laster Itsub a ciss is p abWAid by Appl cAb Law; If Lomder eeeimsls tMs apiicof Leeds seal give Batoweruaft of moorediam. Ito Boone aball p avide a period of as loss am 30 days kM the date as nation is given to seeosdsnse wilt $seden 13 wift whlsb Bcaroww out rW A sums seamed by tree Seasrky bal uwa If Bmmwet! Uh to pq teas sums ptor to to aqp' - lk of ties palod, Leader m1,y iovohs .ay ramodias pormimed by 11116 Seca ft bahamad adlbrA fuslber entice or dusted an Bavow= 116 Bmvow w's Right to Malik After Acedaw" UBa vmw moats ourum conditions, Bamwer dhall have the rit<ht to have GAM OM" of ft Security 1"Oveseol disocaifaaed at a w tiara pier to as earliest at (.) the data b.dtass solo of ties pr'cp?t psuauat to atiy paver of sob e?asd 11r Wb 8eoeriry lnset?C (b) face o0w pedod as AppNodrle Law eai& gad* kr the teraainatioe of Bantowers rWd eo reisaene; a (C) entry of a jadgmeet a *mhsg rein Beearky im*Mmn . lUm conditions am dot Harrows: (a) pp Lender all amas which then woddd W doe vender this Saar* Lwbn=W ad the Noes .s if no scodanMM had ooctnred f (b) Owes my dab* of eery odor wvanwts at spPOPUna; (c) pt's all opuses bacurted in edfadag ft Sevoft leslrameat, irobft but not Wailed m. deuoasbie ddlosa ys' foes, pegc* bapodian wad vsluaafa teas, and others in tlwarre , far the polwwt ofpeoteedag Lmdder'. ioktoat is rise Property and > radar 1bi1 Seoasip? lasbtimeet; and (d) time arch ad= as Leader area' MOM* wgoin to noble that Leader's iaduwd In the PmpwW and rtv coda dds $aoerity hokument, ad Bon mar's obtigpdoo to pq do MM seamed by 11111 Saceribr lrliltnaaent. em*w vokmipsd. Lender may sogttitr test Hatow pay orb nindo eel ad **=a in one or afore of the Mewing Tams„ as solvad by Lender: (a) vodq (b) annoy aft (e) oad fW cb x16 beak aback tremaWs dkok err easMw% dw ok, provided argr seek cbock is dewww ti=n sa iaa W= whoa dopoob are bwoW by a federal may, tabamenli ft or caf ., or (d) Bb=rk Funds 9mWk. Upon saboftment by Borrower, dOs Seeudly indio mew and oblipelees weed baby AM tvaWn fuilt effedivo sa if no anodes boon bed oca med. Howevew this dgbt toaehow a 3W am eppty is the sae of modmuflon ender Bannon 18. A 8Me of Mile; CMW of Load Ne vieeri Neft of G rlamce, 7Le Note or a panda kftw In dw Nola (topMe r w* this Security bo mseat) asn be sold an or mono times wWwd pion notice to Rowim. A sdc might ram* to a clangs is the oft (iwm as t c "Loon Servioarl teed ooifecle Media Poo" doe tinder rho Nabs and this SamAy laslromant ad psrfeems other matpp loan prvlohq abliplim molar Ow Nile, Ais Seedsdfy basru¦aet f and Applfc*b Les Tbw also mitt bo coo a mono chman of feel Loma Ssavloer ameided to a nab of de Now if there Is a dmp of f111 Lots Saviva. Basrolver wM be wrwlld Soioe of the oiaogn whia>< will state *a veme raid address of the new Lan Service; die address to - - " parms e d odd be made sad any oriror infamadon RMA ngaines is canlactlon vrlth a *idea of easier of sM'MaS. ff tee No% is sold sod tharowW dw Lass b servhW by a Low Savim other team the pambaaor of the Nose, tea motigage loan ser oft obg$W mr to Bortwva will amoaie wA the L mw Sw* w at be tranAned to a awoassa Lae Swvlcer ad raw nut mimed by do Nob pwalwer w 0w aftwise provided by die Noll pmeblw: Ndftar Hosriwer M Loader asst eaM10eeco. ,join. or be joined to easy jwdieill action (as *Ma au htMvldad M %w or the maedw of a alas) flat wins Um the older patty'e wdou pornent to dais Sawity Imhw scut or that dingo that the other p.dy has brew ft4 any pvvWm of. or &V duty owed by reason off tide gamily based pw4 wtdl mch Bonoesm or Cooler ban nadfled liar other p* (Willa such modem given in ecapplianoe Ok do mommuft of 8eodon 15) of loch si Wd broach and offended the o&w peat Web a taasensida patina tAor the gWiug dtf snob aatiao to tare ocrtectiva action. Tf A?e Laaw ptavideo a thaw period wbkh mot elapse be?fae caisie asSoia c.a be faleaa. drat rims period w18 be m be roasoeabb 11or purposes of tills pd i V 11,. Tea no" of ocoatsssaion and opportu* to am given to 1% mcm pnow to Nodca 22 rid tea nodes of aodwdw given to Harrower pursuant to Section 18 shill be deneed to satisfy the mom sad oppe ooft to piss amwdve soficm povi&w of lei. Section 20. M. Nwatdew f1dwhowa. As aced in this See dim 21: (a) "Haaadow Substances" are tboae subsbmres dallied a Iceda ca bonduas sttiadmcesf polh wk or wastes by Bovhoom W Law and tie fslloadrtg aabslow: gaaoilm loeraaane, odor fWuowbl. a twic palroleam 1111 . rl undo pudaida as d ha dcIdes. vd1aft solvac% mdwiale t aft abaft or tamoaMdWde, and a dlosOve oil ri bi (b)' hAaamu dd Law" mcaas Mad laws aid Wn of be judsdidiam where tee Ptapuly is iocaled fiat tubas to bcalk soft or envkwn=bd prvb.cA m u (o) wBm&vwnmai CJesnep" t wWw azr respodno adicn, rose W action, or rmawvai adien, as MM MUGI at DWERtrst M titbit aOWNW AM 3W 410 there 11 of N rwa?a?wrR«Ns oeoar,?owssw.sws?? BK1989PG3976 deflad in MvvLa nm=W Law; and (d) an "Bn*oommtai CandkW' means a aamd[dm that cm arse, eombibabe t% or athawite ttkWm BmviaramotiW Clesamp. Devotra shalt mot wale or pemsit 66 patsaoe, cash d4a , or MUM of oogy 13i>auttoas STtbsbtl0as. ordawMem b tebMa taco Atawdoas prbetomoes, m ar ?t ebe lto . Bammshill oat da ma d w oadym else 10,11% stvWimg dlbaltag the t'raprdty (a) dtd !s In vlabhve at EW lh+rlroooEMsd Lonw (b) wftbb eeesbes m Setdrasas Q ComdldvI6 at (o) which, don b Ow pestsos, uee, or reUm of a Hmtderm S d* mm. eraebope a oaaNdm tint sdvaesaly tdlb* We Mme of the Property. 'ILo p +eeodiits two saoMMioss shall not apply fo the protI use, at dm r an the Pnopetp? of OUR epmddot of HaXdaat 8abatmm daa sir flay moopdasd to bs dppopime to namni residemfial pees and to mdomaemee of the hapaty (baio ft but not Ihnibd ba bosmq?doar tabe0dlooae ht aaaswoetr produce). . Bmmw shall pvnptly give lender wn m notice of (a) any mveadvdia% claim. demand, hewmk or older aogm by aq pmmm=W of Mddm qnq or privsm party lovdvmg the t?eopaty sad taps ftwdom snbaamoo or ankamwe Law of which Bomower ba amW tmmwledge, (b) say Ba kmmsmW Camdidm in but Aar Veiled to, any spilda& bddag. ditchup, release or threat of ralussa of aey Hmatdaus Subsume, cad (a) ;W a0eslidam caand by the ppmeem as or nlem of a Ifaz rdm gdmbmoe YMA adtrorse>i+ d1k ass tie vdw ddw Proprtry. N Bmw mr lamas, or Is modlbd by ow pmromW or r pidoty ropiorify, or ow pivale DerMa'm dut mW pnnowd or other tumdiadon q* tatos accessory n me of ? B tSd scan Is mco? wA ErmcmmmW Law mNaddeg Leraia AA oak mW obftgm an Lender fot sa Bnvkoomm isl Ciemcp. NOW-UNWORN COVIINANTS. gonrneer erd Lender IN I P covsssat smd epee m Mlmv 22. Aoadwodes; Rome" lemdw ding `ive modee to Borrower prior to seedoartllea felowft Barnes kmb of say arrow or agseattteat M Obis 3mmu tr h umumt OW not prier in aecdwafts rmdar 5@00 It Who Applicable Law provides stharwiNN L=det" tartly SarMW 04 anion orbs pia (a) tic Admdtt M Ore mlMm n pdeed to antic dob mk; (e) whoa Neon d+ fm* ¦ot be trod; and (d) Ned >ddlrst to no as dctmk as spedlM may racoon b mader4 m of doe sow nand by Orb Saom* hstrra =4 dasdmme by jmdWd p m -A ad dab of tM ft"* lmdw droll fwdwr Moen Thrower crib slater b rdrtab sAtr aaeeMraNom tad the r" to arasst w tic Iist+aeiaOAtte pdeeeso6ttg Ore of a dd nib or s v outer dshmse of Dorm m b areduadmm raid tiNrdasm Bits dshO le oat ertred m *odX . Leader at Its optba any regdm hsmediatt payeeat la tW of A trams eeeasd sty Nils SMM tty bkdr=$ st WIMU rt tym dW dowuemd sad city fersdese Ma Seeasky hstrtttmamt by juaw paeaeeibR. Leader MR betatiNtd to cobd eN aspe m Immed b pw'sdta tdle mmMm pavideoi M" 3esdam 22, bdadb& Lit MA IloNed to, attenears' tell amd costs of We wW mee to tie steal permBMW by 93. ltdsm Upon of all sums soarod by tble Seoxky laabumu n% this Seu* Inuumm and the vsku eauv W silt ba>,? become void. Afw mb ooomt7 mmA L=dw AM dbdw p cad soodst y dais SCmWW ImtrmML Swum abd pay my traar"on eoob. Leader tray crew Bosrotrer a bm a nhombg OMs Scarily b* meat, but arty IQ flee fee is psid to a third patty for services nm im p sad tic abagiag of the the is petadib 1 vWwAp f Kobe Law. 24. Waivers, Bmwwbr, to to *VAnt pamilltd by App*Ale Ls% wmtvas ad ukases any error or deft cts im ptumNop to entme deb Scaoft Ioshmaemt, ad btvby waives life bsmsNt of aff preseat or faun laws pravidioa for stet' of execution, a owan of tiaee, mXemoon am Amcbmas, low and sale, sad homedew exemption. 2& Xdmbtstm at Patod. Bamawar's tiara to relaspae proovlded its Sudan 19"extamd io we hoes prior to the commmemem of Idd ft at a d odds $ale or dwr ssb Poo" to on 8endw bsu mart. X Pmtcbalr Kew Mw%W If Illy of rho dabs mm mW by tits Seomxl y isstrament is lent to Borrower to aeplm brie to tho PsapWW, Olds Setaarity bobum aat dmM be a ptrchase money ono tpVL 27. Inknot lrlmte AArr Jtit vmL Bam wer open that d a Wbost rob parable after a imdpmaat is =Wcd an tie Note or In an action of martgege fcmolos m shill be the rate pole Am lima to lime uoder the Note. nmmpe s?a - -- Fdmigw lam mWm4m atee UMMK ORRUMpV'(' lalt medad eM tsar spa T 9=0004c- Noe n ot" uwMwrer..era BK t 989PG3977 1 onPaw BY SK#IM MKOW, aomolwx wcopb mad jVm to the tenor end nova mts oateiaed is this 5wm* kwh meat ad is mW ldder a Ac*d by Barowlsr atd rocaMW vd6 it. I.?., (sue R iIC 4kffQW tpft4w Now] (W 4kmwer (SCSI) Amom 1PPWd 1Vbse1 Cutmcxe of R$$Mm e: .(Saw) BUXV t [ ndntmo vwb do baeby oo* dot tho sit" of *0 vrllbbl or perm utk d lob ta+aet Is T3 gr&zai"A 1.)#q?l' , ?l?t -1 A 1733( By'. __ 0?& 71da- (AoM?a*d m * on rv" AmM 7I 1 10 l 111 11kl, l1G-WFoPM bUNWROft rAft VIOPUM Z MUAV rIT Im Pot I$ ON tulgi?II?stYr.tNt mott,nrt.??rs?.tu 8K 1989PG3978 stgtc of PA g comfy or FLAWjLA-%bj On this, the *Z300 day of ,A prjA befum me eppeamd JON 9 10mmmc lrnown to me or sedeactal Awe now(i) lsha?s wb mted to the widda instlmnant; and wkw v 6? flat ite/sha/lhey ? elmcuoeto bd the saw for be tW fie) Ow p upows tbcmk caaWwd. in *imm wbmd, I bmunto set toy hand and official seal. .(Said) Tift of0Mw NOURtAL SEAL JEANNE M. ARNOLD, NOTARY Ott; SopUeemproll i?yp„ F1k1 COllrtty MY Gomm'"" &xpbes Apes 19. an IN-- rw14of 14 uwar??waK?aas 1??? A?L'{ti.L?+wwwam BK 1989PG3979 ALL do certain tract of heal estate lying and being situate in Dickinson Township, G%jmbe w,d County, Pennsylvania, boruaded and descAnd as follows: BEOIlV WO at the corner of lands of Lot 14 and Lot l5; thence along Lot 14, South 82 degrees 26 numrbes 46 seconds West 735.10 foot to a concrete monument; theuee along the same. South 01 degree 38 minutes 56 seconds West 421,03 feet tv a concrete monuntetit at comer of lands of Lot 15 and lands now or formerly of Lewis R. Pink and Thelma R. Fmk and Ralph L. Peffer and Roseaim F. Peffer; thence along said lands now or formerly of Fink and Peffer South 86 degrees 08 minutes 49 wooods Was 41636 fat to an iron pin at comer of Lot 15 and lands now or formerly of Albert L, Va dola8, North 13 degrees 33 minutes 58 seconds West 591.98 feet to an existing iron pin at corer of lands of Lot 15 and land now or formerly of Ridrard L. Morrison; them along said Morrison lands North 82 dean 26 minutes 46 seconds Bast 1,276.69 bet to an existing mag nail at the corner of lands now or formly of Richard L. Morrison and Stoat Rouse Road T-545; dm= along Stone House Road, T-545, South 08 degrees 32 minutes 29 seconds East 200.03 feat to a mug nail at the place of BEOINAf O, CONTARAM a total area of 10.16303 acres, more or less, as set forth on subdivision flan prepared, for "South Fields", Prepared by Dwds E. Black Bagineering, Inc. dated September 6, 2006 and recorded in Plan Book 93, Page 90. BFINO all of Lot 15. Tax parcel Number: P/O 08-09-0523-003B Schedule "A" 8K 1989PG3980 INTEREST ONLY AD.IUSTAALE RATE RIDER (LUM . Rats Caps) (ARM Gaon Lot Loani Loan M. 126122489 THIS ADJUSTABLE RATE RIDER is made this 23rd day of Aptr~ilr 2007 , and in Incorporated into and shell be deemed to amend and supplewnsnt the Mortme, Deed of Trust, or Security Deed (the "Security Insuuntene") of the sarhhe date givwn by the undermined (the "Borrower") to secure Owrower's Adjustable Rate Note (the "Note') to IIWZMC , F.B.B., A YNMWU ( SAVINGS SM (the "Lender") of the same date and covering the property described In the Security Inebnemad and located at: 160 92MMom MO, CULT=, PA 17015 (Prope(ty Address) TIN NOTE CONTAINS PROVISIONS ALLOW IM FOR CHAMM 811 THE INIVAST RATE AND THE MORMLY PAYMENT. THE BORItOWEIVS INT VW RATE IMCFOASES ARE LIMITED. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lander further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGIN The Note provides for ohenges In the interest rate and the monthly payments, as follows: 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 9.375 %. 'the interest rate I will pay may change in accordance with Section 4 of this Note. The interest tarts required by this Section 2 and Section 4 of as Note In the rate I will pay both before and after any default described in Section 118) of this Note. 3. PAYMIINTS (Al Thaw end PIm of Peymenta I will make a payment ovary month. This payment will be for Interest only. Irm"ac Beek MUU NTATE INTEREST ONLY ADJUSTABLE RATE RIDER (LIBOR ARM) . Balloon Lot Loan Pape 1 of 4 RCL 91910 844718 (0506) VMP Mortgage Solutions, loc. Ots109 8K 1989PG398 I I will make my monthly payments on the first day of each month beginning on Juno 1, 2007 . 1 will make my monthly payments every month until I have paid all of the principal and interest and any other charges descrilbed below that I may owe under this Note. My monthly payments will be applied to interest before principal. If on, My 1, 2012 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." 1 wig make my monthly payments at IIu@C am, F.S.B. P.O. am 78826, kr All 85062-8826 or at a different place if required by the Note Holder. IN Amohatt of Monthly Payments My initial monthly payment will be in the amount of U.S. $ 750.00 This amount may change. iC1 Man" PrtARM Clhtanges Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the intarast rate that I must pay. The Note Holder will determine my new interest raw and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES YU Change Dates The Interest rate I win pay may change on the first day of Noy+atMo 2007 and on that day every 6th monthisl thereafter. Each date on which my Inumat rate could change is called a "Change Date." 01 The Index 8epinning with the first Change Date, my interest rate will be based an an Index. The "Index" is the averaga of Interbank ofiorad ran for six-month U.S. dollar-da omineW deposits in the London market ("LMOR"), as published in T„% Wad Strart .>f Wnd. The nest recent Index figure available as of the first business day of the month immodets(y proceeding the month in which the Change Date occurs is called "Current Index." If the Index is no longer available, the Note Holder will choose a now index that is based upon comparable information. The Note Holder will give me notice of this choice. loan Nos 126122489 HCL 81810 8480718 (0606) Page 2 of 4 00106 8KI989PG3982 tc) calculation of Changes Before each Change Data, the Nate Holder will calculate my new interest rate by adding tbm and 750/1000ths percentage point(s) ( 3.150 %) to the Currant Index. The Note Holder will than round the mutt of this addition to the nearest one.eiphth of one perosnugs point (0.125%). Su1*W to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Now Haider will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change date in full an the 30 yeem from the deft of the Note (the "Amoral ation Period") at my new interest rate M substantially equal payments. The mault of this calculation will be the new amount of my monthly payment. I acknowledge that this amount will not be sufficient to repay my loan in full on the I1Aatuf'dy Date and that 1 may owe a significant amount to Lander on the Maturity Date. (b) Wdu an b"Mot Rate changes Tice interest raw t am required to pay at the first Change Date will not bs greater then 10.375 % or less than 6.375 %. Thereafter, my awe interest rate will never be increased or decreased on any single Change Date by more than awe and RDj1000tho percentage point(s) i 1.000 1 from the rests of interest t have been paying for the preceding . 6 month(s). My interest rate will never be greater than 156375 which )s called the "Maximum hate.' (61 EMaotlve Dow of Changes My new interest rate will become effectivs on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me end also the title and telephone number of a person who will answer any questlon I may have regarding the notice, Iom III= 126122489 "CL 91810 848071810606) Page 3 of 4 06106 BK i 989PG3983 BY 810 qm BELOW, Borrower accepts and agrees to ttm tariffs wild coven" contained in this A*NtW* Rate Rider, i^4? Is"O (Seal) N tC -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower 16061) (seal) -Borrower -borrower (Seal) (seal) -Borrower -Borrower Loan RD; 126122489 $46071810006) Page 4 of 4 Bit ! 989PG3984 MCL 919!0 06" BALLOON WEIR (To be attached to Deed of Trust) Loan t 126122489 THIS RIDER is made this 23rd day of April., 2007 and is incorporated into and shall be deen+ed to amend and supplement the Mortgage, Dad of Trust or Deed to Secure Debt (the "Security instrument"), of the same date given by the underaignatl (the 'Borrower") to secure Borrower's Note to IIM1R+W RANK, F,S.B., A Puma= OW (the "Lsmkr") of the same date and covering the property described in the Security instrument and located at: 160 0009E MAD, =, FA 17015 (Property Address) ADDITIONAL COVENANT! In addition to the covenants and agreements made in the Security Instrument, Borrower and Lander further covenant and agave as follows. A. Balloon (gdar: Borrower acknowledges that the outstanding balance under the loan must be paid in one lerge or "balloon" payment on the let day of ft, 2012 , unless Borrower defaults under the Security Instrument or other loan dooUmarm and Lender accaMratae all amounts owed requiring earlier repayment. Borrower acknowledges and aprons that Lender has not made any representations to Borrower, either oral or written, thst Lander will subordnate its Von created by this Security Instrument to any other Ilan which the Property may hereafter beaume subject to, including, without limitation, any lion arleing from Borrower's subsoQuant construction of improvements on the Property. Borrower acknowledges and agrees that Lender is under no obligation to subordinate its Ran created by this Security Instrument to any lion created hereafter and Lender does not intend to subordinate its lion to any other lion which the Property may hereafter become subject to. IndylNew Bmk Cawftotlon Lot Loan Program - Saloon Rlder mumstab Page 1 of 2 Hct. g? 8480947 (06021 VMP Mortgage Solutions, inc. OZ-d 8K ! 9-.89PG3985 • - r i IN WITNESS WHSREOP, Borrower has exeauued this Balloon Rider and furry understands the conditions thereof. Oata: 14 Zia L z sey "7 (Beall (Sean iml? -Borrower -Borrower boar Po: 128122489 8547 (00021 ' -(Sean (seal) -Borrower -Borrower -(Soso -Borrower (Seal) .Borrower (Seal) (;lea) .Borrower -Borrower Page 2 of 2 Bit 1989PG3986 HCL_ M r f LOT RUM (To be attached to Dead of Trust) Loan #: 126122489 THIS RIDER is made this 23rd day of April 2007 and is incorporated into and shall be deemed to amend and supplement the Mortgage. Deed of Trust or Deed to Secure Debt (the 'Security Instrument"), of the emus dab given by the urndentipnnsd (the "Borrower") to secure 0onrower`s Note to IC, P.B.B., A g ,y (HN111219W shvim IBltin (the "Lander") of the same date and covering the property described in the Security Instrument and located at 160 9X9N= RM, Cdi3M=r PA 17015 (Property Address] ADDITIONAL COVENANT: In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Uniform Covenant 6 of the Ssourkty Instrument is deleted and is replaced by the following: 8. Qaarpancy and User Preservedon, Mal nUmance cad PrMeadon of ilw Property. Borrowsr and Lender acknowledge that as of the date of this Security Instru mm, the Property consists of unimproved land, If Borrower nukes, or causes to be made, any improvements to the Property, attar the data hereof, Borrower shell occupy, establish, and use the Property as Borrower's principal residence wkhln sixty days of completion of such inprovements, carless Lander otherwise across in writing, Borrower tirtn shall Bokeep the rrower Property avallable for Borrower's exclusive use and enjoyment at all shah not destroy, dernage or knpair the PmpwW, allow the Property to dereorate, or commit waste on the Property, Borrower shall not uss, slow or suffer any part of the Property to be used as a facility for handling, treatment, stories at disposal of haterdous waste. Borrower shill satisfy in all material respsots the requiraments of and mahltain the Property in compliance with all federal, state and local snv(ronmental protection or similar laws, ordinances, restrictions, licenses and regulations. Borrower shalt not request or in any way assist another person or entity in a request to change the zoning of the Property from the Property's zoning as of the date of this Security Instrument, Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal is begun that in Lender's good faith judgment could result In forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lander's security interest. Borrower may owe such default and reinstate, as provided in Paragraph 18, causing the action or preceding to be dlsmiosed with a ruling that, in Lander's good faith determination. precludes forfeiture of the Borrower's interest in the kkdylliltac Bank Cannenuadorn Lot Loan Program - Lot Rider Muhlotsta Page 1 of 2 "M Sao 8480141 (04051 VMP Mortgage Solutions, Inc. 1800)521-7291 02104 eK 1-989PG3987 . 1> 1, property or other metmiai impakmant of the lien crested by this Security instrument of Lender's security interest. Borrower shall &M be in default N Borrower, durft the loan application process, pave matiwWIV false or lnac=ate info meftrn or ststatrents to Lender (or failed to provide Lander with any material Information) in oonneotion with the Jaen evidenced by the Note, including, but not iimlted to, represartefona oonoendng Borrower's occupancy and use of the Property as an unimproved lot, if this Security instrument is on a leasehold, Borrower shall comply 106400W it all w ? title the lease. and ft not If Borrower acquires fee We to the Property, merge unless Lender agrees to the meager in writing. IN WITNESS WHEREOF, Borrower has mocuted this Lot hider and fully understands the conditions thereof, Date: .2 3 APOC) lr 4ea gyp) iTtC jam SM14D1(.04CSl ?2dSp Page 2 of 2 . .? ?y this to be recorded . Cumberland County PA ?r recorder of Deeds "CL 889 OZ*4 BK i989K3988 IndyMac Mortgage Services a Division of One West Bank PRESORT PO Box 9042 Flrst-Class Mail Temecula, CA 92589-9042 U.S. Postage and Feces Paid WSO Send Payments To: 7113 8257 1473 7347 3513 IndyMac Mortgage Services a Division of One West Bank PO Box 4045 Kalamazoo, MI 49003-4045 Send Correspondence To IndyMac Mortgage Services a Division of One West Bank PO Box 4045 JOHN MUSHOVIC Kalamazoo, MI 49003-4045 160 STONEHOUSE RD CARLISLE, PA 17015 20091105-72 XC718 1159-v23 ?chAe,t ?'0? Home Loan Servicing 6900 Beartice Drive Kalamazoo, MI 49009 November 03, 2009 JOHN MUSHOVIC 160 STONEHOUSE RD CARLISLE, PA 17015 RE: Loan Number 1009781863 Legal Description of Property: 160 STONEHOUSE ROAD CARLISLE, PA 17015 ACT 91 NOTICE Sent Via Certified Mail 7113 8257 1473 7347 3513 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE R This is an official notice that the morta on our home is in defaul and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME This Notice explains how the program works To see if HEMAP can help. you must MEET WITH CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and hone number of Consumer Credit Counselin A encies servicin our count are listed at the end of this Notice. If ou have an uestions ou ma call the Penns lvania Housing Finance A enc toll free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 7113 8257 1473 7347 3513 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH AN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAID FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (Plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT PLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for speck information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOONAS POSSIBLE. IF YOU HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE': YOU HAVE THE RIGHT TO FILE A HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN A BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by IndyMac Mortgage Services, a Division of OneWest Bank on your property located at the above referenced address is in SERIOUS DEFAULT, because you have not made the monthly payments that follow: Next Payment Due Date: 09/01/2009 Current Monthly Payment: $540.00 Total Monthly Payments Due: $1 620.00 Late Charges: , $81 00 Other Charges: Uncollected NSF Fees: . $0.00 Other Fees: $0.00 Corporate Advance Balance: $11.00 Partial Payment Balance: - 110.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $1,602.00 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,602.00, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) Days, the lender also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the 61 default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. 7113 8257 1473 7347 3513 OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY(30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale You may do so by Dag the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: IndyMac Mortgage Services, a Division of OneWest Bank 7700 West Partner Lane Austin, Texas 78729 Loan Resolution Department 1 (877) 908-4357 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You will need to obtain expressed approval of the lender prior to any sale or transfer or assumption of the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. You may also contact a HUD-approved housing counseling agency toll-free at 1 (800) 569-4287 or TDD 1 (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CONSUMER CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSYVANIA For certain loans that we service, we are required by Federal Law to inform borrowers that we are attempting to collect a debt and any information obtained will be used for that purpose. This communication does not imply that this is an attempt to collect money from anyone whose debt has been discharged pursuant to the bankruptcy laws of the United States; In such instances, it is intended solely for informational purposes. Para ciertos prestamos que mantenemos somos requeridos por la Ley Federal a informar a prestatarios que procuramos colectar una deuda y que cualquier informacion obtenida sera utilizada para ese proposito. Si usted tiene cualquier pregunta con respecto a esta carta, por favor communiquese con nosotros al numero 877-908-4357. Sincerely, IndyMac Mortgage Services, a Division of OneWest Bank Loan Resolution Please 1) Make your check payable to IndyMac Mortgage Services, a Division of OneWest Bank 2) Do not staple your payment to your billing statement 3) Write your loan number on your check or money order 4) Do no include correspondence 5) Do not send Cash 6) Mail your payments to: IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 CONSUMER CREDIT COUNSELING AGENCIES SERVING I. 7113 8257 1473 7347 3513 IndyMac Mortgage Services a Division of One West Bank 111111 El 1 m PRESORT PO Box 9042 First-Class Mail Temecula, CA 92589-9042 1 1 11 1 11 11 11 1 11 1 1 11 1 11 111 111 U.S. Postage and Fees Paid WSO Send Payments To: 2226994705 IndyMac Mortgage Services a Division of One West Bank PO Box 4045 Kalamazoo, MI 49003-4045 Send Correspondence To IndyMac Mortgage Services a Division of One West Bank PO Box 4045 JOHN MUSHOVIC Kalamazoo, MI 49003-4045 31 W BIG SPRING AVE APT 1 NEWVILLE, PA 17241 20091104-72 xC718 1159-v23 Home Loan Servicing 6900 Beartice Drive Kalamazoo, MI 49009 November 03, 2009 JOHN MUSHOVIC 31 W BIG SPRING AVE APT 1 NEWVILLE, PA 17241 RE: Loan Number 1009781863 Legal Description of Property: 160 STONEHOUSE ROAD CARLISLE, PA 17015 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on our home is in defaul and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and yhone number of Consumer Credit Counseling Agencies servicing your county are listed at the end of this Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency to11 free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. R-10 2226994705 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (Plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseliny, agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 1. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN A BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by IndyMac Mortgage Services, a Division of OneWest Bank on your property located at the above referenced address is in SERIOUS DEFAULT, because you have not made the monthly payments that follow: Next Payment Due Date: 09/01/2009 Current Monthly Payment: $540 00 Total Monthly Payments Due: . $1 620.00 Late Charges: , $81 00 Other Charges: Uncollected NSF Fees: . $0.00 Other Fees: $0.00 Corporate Advance Balance: $11.00 Partial Payment Balance: -$110.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $1,602.00 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,602.00, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: - IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the wort a e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) Days, the lender also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. 2226994705 OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY(30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by Raying the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: IndyMac Mortgage Services, a Division of OneWest Bank 7700 West Parmer Lane Austin, Texas 78729 Loan Resolution Department 1 (877) 908-4357 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You will need to obtain expressed approval of the lender prior to any sale or transfer or assumption of the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL, THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. w You may also contact a HUD-approved housing counseling agency toll-free at 1 (800) 569-4287 or TDD 1 (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CONSUMER CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSYVANIA For certain loans that we service, we are required by Federal Law to inform borrowers that we are attempting to collect a debt and any information obtained will be used for that purpose. This communication does not imply that this is an attempt to collect money from anyone whose debt has been discharged pursuant to the bankruptcy laws of the United States; In such instances, it is intended solely for informational purposes. Para ciertos prestamos que mantenemos somos requeridos por la Ley Federal a informar a prestatarios que procuramos colectar una deuda y que cualquier informacion obtenida sera utilizada para ese proposito. Si usted tiene cualquier pregunta con respecto a esta carta, por favor communiquese con nosotros al numero 877-908-4357. Sincerely, IndyMac Mortgage Services, a Division of OneWest Bank Loan Resolution Please 1) Make your check payable to IndyMac Mortgage Services, a Division of OneWest Bank 2) Do not staple your payment to your billing statement 3) Write your loan number on your check or money order 4) Do no include correspondence 5) Do not send Cash 6) Mail your payments to: IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 CONSUMER CREDIT COUNSELING AGENCIES SERVING MWA 2226994705 w = OneWest Bank, FSB v. John N. Mushovic VERIFICATION The undersigned is Vice President of OneWest Bank, FSB and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. OneWest Bank, FSB Name: Dennis Kirkpatrick Title: Vice Presided Company: pN? v?6S'1 BWV FSa 10-037039 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy frd ,Ry Edward L Schorpp Solicitor 2010 FEB 16 Al' B: 01 110 'tr Onewest Bank FSB vs. John N. Mushovic Case Number 2010-843 SHERIFF'S RETURN OF SERVICE 02/04/2010 05:45 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on February 4, 2010 at 1745 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: John N. Mushovic, by making known unto himself personally, at 31 West Big Spring Avenue, Apt. 1, Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time handing to him personally the said true and correct copy of the same. 02/08/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Occupant of 160 Stonehouse Road Lot 15, Carlisle, PA 17015, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Occupant. Request for service at 160 Stonehouse Road Lot 15, Carlisle, PA 17015 does not currently have a suitable living residence on the property. 02/08/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: John N. Mushovic, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant John N. Mushovic. Request for service at 160 Stonehouse Road Lot 15, Carlisle, PA 17015 does not currently have a suitable living residence on the property. John N. Mushovic is currently residing at 31 West Big Spring Avenue, Apt. 1, Newville, PA 17241. SHERIFF COST: $92.04 SO A ERS, February 08, 2010 NY RA N, SHERIFF By g5eSheriff '-'°~. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff y ~~yat~' at ~nnifie~~~1~d Jody S Smith Chief Deputy Edward L Schorpp Solicitor ~„~~:~:~ = .- Onewest Bank FSB vs. John N. Mushovic SHERIFF'S RETURN OF SERVICE 05/14/2010 PROPERTY SALE CANCELLED SHERIFF COST: $84.15 May 14, 2010 ~. _ :~r`_ - ~- - .. .. ~ ~ ~,' ~t. ZG 10 Ma Y l 9 pM 3: 5 9 - ~~. ~~. Case Number 2010-843 SO ANSWERS, RON R ANDERSON, SHERIFF ~ .C© ~` C``c~ . ~ ~~~~~ ~ L ~ e SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF VS. John N. Mushovic DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 10-843 AFFIDAVIT PURSUANT TO RULE 3129.1 OneWest Bank, FSB, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 160 Stonehouse Road, assessed as Lot 15 Stonehouse Road, Carlisle, PA 17015. 1. 2 3 4 Name and address of Owner(s) or Reputed Owner(s) John N. Mushovic 31 West Big Spring Avenue Apt 1 Newville, PA 17241 Name and address of Defendant in the judgment: John N. Mushovic 31 West Big Spring Avenue Apt 1 Newville, PA 17241 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: OneWest Bank, FSB c/o OneWest Bank, FSB 888 E. Walnut Street Pasadena, CA 91101 Name and address of the last recorded holder of every mortgage of record: OneWest Bank, FSB, Plaintiff c/o OneWest Bank, FSB 888 E. Walnut Street Pasadena, CA 91101 The First National Bank of Mercersburg 12 S. Main Street Mercersburg, PA 17236 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 160 Stonehouse Road assessed as Lot 15 Stonehouse Road Carlisle, PA 17015 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: Leslie J. Rase, Esquire 10-037039 J SHAPIRO & DeNARDO, LLC BY: LESLIE J. RASE, ESQUIRE ATTORNEY I.D. NO: PA Bar # 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF VS. John N. Mushovic DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 10-843 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: John N. Mushovic 31 West Big Spring Avenue Apt 1 Newville, PA 17241 Your house (real estate) at: 160 Stonehouse Road, assessed as Lot 15 Stonehouse Road, Carlisle, PA 17015 08-09-0523-117 is scheduled to be sold at Sheriffs Sale on September 8, 2010 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $106,597.29 obtained by OneWest Bank, FSB against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to OneWest Bank, FSB the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-03 703 9 ALL that certain tract of real estate lying and being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at the corner of lands of Lot No. 14 and Lot 15; thence along Lot 14,South 82 degrees 26 minutes 46 seconds West 735.10 feet to a concrete monument; thence along the same, South O1 degree 38 minutes 56 seconds West 421.03 feet to a concrete monument at corner of lands of Lot 15 and lands now or formerly of Lewis R. Fink and Thelma R. Fink and Ralph L. Peffer and Roseann F. Peffer; thence along said lands now or formerly of Fink and Peffer South 86 degrees 08 minutes 49 seconds West 416.56 feet to an iron pin at corner of Lot 15 and lands now or formerly of Albert L. Verdekal, North 13 degrees 33 minutes 58 seconds West 591.98 feet to an existing iron pin at corner of lands of Lot I S and land now or formerly of Richard L. Morrison; thence along said Morrison lands North 82 degrees 26 minutes 46 seconds East 1,276.68 feet to an existing mag nail at the corner of lands now or formerly of Richard L. Morrison and Stone House Road T-545; thence along Stone House Road, T-545, South 08 degrees 32 minutes 29 seconds East 200.03 feet to a mag nail at the place of BEGINNING. CONTAINING a total area of 10.16303 acres, more or less, as set forth on subdivision plan prepared for "South Fields", prepared by Dennis E. Black Engineering, Inc. dated September 6, 2006 and recorded in Plan Book 93, Page 90. BEING all of Lot 15. Parcel No. 08-09-0523-117(Parcel Number incorrect on Mortgage) BEING THE SAME PREMISES which Thomas B. Mongold and Timothy C. Mongold, by Deed dated April 23, 2007 and recorded April 25, 2007, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 279 Page 3608, granted and conveyed unto the John N. Mushovic, in fee. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 10-843 Civil COUNTY OF CUMBERLAND) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due ONEWEST BANK, FSB, Plaintiff (s) From JOHN N. MUSHOVIC (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $106,597.29 Interest from 3118/10 to 9/8/10 -- $2,938.78 Atty's Comm Atty Paid $224.54 Pla: iiiff Paid Date: 3/23/1 5ea1) REQUESTING PARTY: Name: LESLIE J. RASE, ESQUIRE Address: SHAPIRO & DeNARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 58365 L.L.$.50 Due Prothy $2.00 Other Costs David D. Buell, Pr thonotary By: Deputy .. JUN 2 4 201U~ SHAPIRO & DeNARDO, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQUIRE ATTORNEY LD. NO: PA Bar # 81747 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF VS. John N. Mushovic DEFENDANT ( ORDER AND NOW, this ~~^ day of ~vv~C, 2010, upon consideration of Plaintiff s Motion to Amend the Complaint in Mortgage Foreclosure filed in this matter, and any response thereto, it is hereby ORDERED: That Plaintiffs Motion is Granted and that the Plaintiff is granted leave to amend the Complaint to change Defendant, John N. Mushovic to Meghan M. Girroir, Co-executor of the estate of John N. Mushovic, deceased, and; That the pleadings, except as so corrected, shall in all other respects remain unchanged and as filed. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 10-843 BY THE COURT: _~-~ ~~ a h.~ ICJ • ~a ~-o~ - ,; ~~ Y -. r ~_ " N I~gl ~ v ~ ~ SHAPIRO & DeNARDO, LLC - BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO,~$~~`~-'~ `~'~`~!~,'~V DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY LD. NO. 81747~'~+ ~~ MICHAEL CLARK, ESQ., ATTORNEY I.D. N0.202929 200 v';~` ~ ~ P~`~ ~~~ ! ~ LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 CU~ur~ , .~~I.~i~4~Y KING OF PRUSSIA, PA 19406 Nt+'~~~ ~ ~!`~"~~a. TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB ~ COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. ; NO: 10-843 Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased DEFENDANT AMENDED COMPLAINT -CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARR USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO.78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. N0.202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF VS. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 10-843 Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased DEFENDANT AMENDED COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, OneWest Bank, FSB, the address of which is, 888 E. Walnut Street, Pasadena, California 91101, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortaaae: Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for IndyMac Bank, FSB Mort age or(s): John N. Mushovic (b) Date of Mortaaae: Apri123, 2007 (c) Place and Date of Record of Mortaaae: Recorder of Deeds Cumberland County Mortgage Book 1989, Page 3966 Date: Apri125, 2007 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for IndyMac Bank, FSB Assignee: OneWest Bank, FSB The assignment is in the process of being formalized. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 160 Stonehouse Road, Assessed As Lot 15 Stonehouse Road, Carlisle, Pa 17015 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of the Defendant is: John N. Mushovic, 31 West Big Spring Avenue, Apartment 1, Newville, PA 17241 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both and the said John N. Mushovic departed this life on or about February 18, 2010, therefore Meghan M. Girroir is Co-Executor of the Estate of John N. Mushovic, deceased. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of September 1, 2009 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of January 16, 2010: Principal Balance Due $96,000.00 Interest Currently Due and Owing at 6.75% From August 1, 2009 to October 31, 2009 $1,633.00 Interest Currently Due and Owing at 5.75% From November 1, 2009 to January 16, 2010 $1,164.24 Late Charges $158.00 SuspenselUnapplied Balance ($110.00) Title Report Fee $250.00 Attorney Fees & Costs of Foreclosure $4,800.00 $103,895.24 8. Interest accrues at a per diem rate of $15.12 each day after January 16, 2010, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff s sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et sec ., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: ~ ~ ~ BY: ~ ~ ~1 Attorneys for Plaintiff S & D File No. 10-037039 1~ ~~ ,,'~ J3 7~ ~.U~~~ Prepared By: Il~Y1~4C BANK, F.S.B. ,~s~ ~s f~~~ 480 F10;1T G~ >~ ~~ FAT N[3t18I'iCN, PA x.9401 (c+tr, sa,hrr raa coael 48A-636109 • {~f•r!•"1;.~i? OF arc; . •r•r .,.F ,,,.,.. _ ... ..1 L•„ ri z~7 ~P~ zs are is sa Alter reoordli8 pkasa rtlUn to: I1+.Q~~' , F.B.B., CIO DOGt>il$a t gel (Nartrs of tYaEwd Ad+bori! 1~DG S, 901E 104 8P, SOITE 400/500 BI1N~lS CI'TY', 2bJ 64131 t'~i, sasn ZIP CodoJ ~ ~~ UPUPW111~x1D: LO-P L5 AGo-~s 71rtr bMr+ForNtaO+datB MaRTGAGE !•he i11VII4RA rise l d 11 DEFINI'li'IO!!l8 Words used itt muit}ple sectiata of this dooumcnt ars donned below and other words are de8n~d in Sectiaas 3, 11, 13,1 B, 211 and 2l_ Ctrtain tttlos tngAtditt$ t~ usage oY words used in this document en also provided in tioc+lan 16. (A) °Sec~rltp jpttramcnC' mesas this doaataerA, which is dated April 23, 2007 ,together wilb all Riders b this docwfrent. 11as 1~11~ 81I1989PG3966 MIN 100055401261229895 11ltUMiQfY lMgt8lNsdlllcdl'a,s~p1N1 ~~^ t/1NMM~rr.tlM f~al^ °°°°x~w~G....ti L°Xh~6r1 "q•~ (L) "Ew~etr Itetw" tnetora dtose i~tos that arc deson'bed in Suction 3. (~ "MiaaArtaoaraa pt+oceada" Reeaaa mry ctuppansatioo, settlemcrrt, award of dtaoagee, ~ l„'ems P~ by any third peaty (outer them insuttatco ptttcooda paid uncles fire cavinages desoribod in tiediaal 3) far: (i) 4:a-age to, or deatrrtctlan of, the ; Ci) lion or other taking of ail err arty pAtt of the Property; (iii) convtyatlee l~ pf CC~e~~arr~ err (iY) ~ercpnaontalioDe Of, ~' omr9alO0B as t0, the value and/o7 condition of the Prvperty. (!v) "b(ortgaQe ItteYr:aoe^ meaner insiaaaee pnotoctiag I,eudcr agaigst the natg-ayment o1; or default ati, rho Lom (O) "Y'eeiodie paynant^ rrreana the regularly schoduled amount due for (i) principal aad iateroat under fix Nate phis (ii) eapr amourris under Scdion 3 of this Security ln7trumaitt~ (l?) "REt;PA" moans the heal Evtato sottlotnant i-roceduros Act tl2 U,S.C. §2641 et seq.) and ita implemeudng neggtatlon, Regulation 7C (24 CF.R. Pori 3500}, as thoy might be amaided front limo to onto. a eqy additlnaal a lagiatadon or rog~ltdlon that $,oteema the came attbjoct matter. Aa used la tLir Secvdty izletntment, "R83F'A" refers to all regairermaa~ and ,T6~ona~ a~ ~~ro ~t~p"Fo+knll}' related mortgage loan even if dte Loan duos not gwlg'y fodanliy t~ "9ataaaor ri luta>~t of 13anoaer" means ark party that has taker title to rho Property, whethor or not that party has a9attmed)3orro'war's obtlgadoua under me Note and/or this 3oowity iflsoument. 'fRA!`I OF RIGHTS tN THE 1'ROPSATY 'ibis security Inatrtpuopt socuraa to Lender: (i) the t~epayntent of the Loan, tmd aU renewals, rhtteataiona and >aodific~forq of the Nate; emd tii) Ibe perfonatpoe of Reerowor'a covaaaata aad ~apoomants to (~iSoo~sitY lastmmeat a~ the Nda. Bur this prrpose, i3arawor does hereby mortgage. grmtt y ttominoe tea' Deader and Lendar'a sitoeessota and asagna) and to rho succeasars sal aaaigns of 11dER3 the foAowing doeoribe4 ptirporty located b the Caurty of C~11lD (Type of Reoardl+~g Jra~lediatiaaj [Name of Reconll~g Jrvfsdlcdonl 7borParcellllNo: IAQ' 15 SSE EDIT A X'L~ Ii13I~`1'0 AZiD l~tiE A PART Tll~Ol' which ctart~ly has the addtesa of 16~SI~f.if~ Rt~AD ~ pcrmaylvauta 17015 CPmperiY~~")~ l+~"lryj (Zq- Coctej 'fpGS7'HBK W1TR ail the imprvvmnenta now or heteaRer orected on tho ptnparky, and ail oasemonts, appartaieacea, attd 8xhtroa now or ha~ealEbr a part of the property. Al[ Peplt>ccmoots and additioaa shall also bo eavtt+ed by this ' instrrttaeat. All of dte foregoing b raQetrad W iq thi: Securty Inatrt~ont as tbo "Property." BorronYer tmdtasttmda and agsem Umt 1416RS holds ally logal 1iUo to the ittteroadt granted by Borrower is this ssmway Itrattimtenk hot, i>` accassaty m eappty whit ltw or ctateaat~ it+!£iRS (as aaotineo for Lettdor atd Leader's st>tcessora and magna) Aas tine right: b exercise aqy err aU of thaeo iatetitsp, ineiadhtg. but not limited to, the rlgLt „~~+ aloe 1Zti 789 Ne.aglwMi. tifsa~iAa,4iik pemdty~taaeM l-tdtdihedac rt(ae t![tmolttl[ teVb'altuMUartr r+tm7t61Ko11aei lYrw ill! HAt ~~ gpq~, ~~ 1'ii'~ 7 a[t4 uwim.w-e~ur y~ ~~ viaol,tti.cd.~r.aaaou~sai,~ ~{ i 989FG39b8 vi 1:1` 111 1~3:1J i'i~v~~ to Coreciose mud sell rho Propett,Y; eutid to take arq+ action ngnixed of Lender ittcludotg, but not lienitad to, pleasing mY! caacetipg this Seceuity Insht~ent. gpgRpW3iR COVENAN'I'g that Borrower is irtwfully seised of tkte oatrde hereby eeaveyed stbd bets We right to maigage, grant and oopvay the Proporo ~ tbst the Propa~y to uttapeumbored, erxeept for oneambtancos of retold. Bomdwas' wan'pda turd wl>i defbad ge~trratiy the title to t6a !'t+opaty asst eI! claiau and dementia. subjxt to ally onceaehrrtoces of ttxard• 7'LiT3 SSCURTI'Y ISd.5TAYIMSN'f eombinos u,tiform eovonaIIts fur nadoaa! use clad non-uniform omranaata with limitod vartattens by,ltuisdiction to can~tltette a uuifotm sex~uci4Y iasttt1mernt covering tool proporty. LJt11F0iRIrrt CO'1r13NANT5. Harrower and Lender eovenctt eend ~ As fellows: 1, Pgaatst of prt^dpatl~ LtesYat, Ersrntr itatta, Prepatyasat Cats, a^d Late Cbrgea. $orrower epall ply whmt due rho principal of, and inte:test em, tho debt evidtaood by tiro Note and tiny propetytnent chtolp~ and last: ehsr®es due unetor the Kota. $ortowor shell also P4' funds for Bacrow Ttorns purattaut to Suction 3. Pt~rttfOttts doe user the Note turd this Security brslttrntaat obeli be made in US. auQnahry. Howevor, if euq~ check or oArar int~mttlit rooeivad. by Lendtx as prrym~t tinder Tiro Note or this Socutity Iaattuneeat it rctentaed to Lender anpaid, Leader mtq taeisare thrt tiny ar all suirsogeeeut pay4teata dqe utdea the Nate sad fhb Secur><y tnlt<tauortt be atade in one ar mass of tilt Following forms, as teiected by Larder. (aj cdth: (bj tttouay otd~; {o) r.atitlod eheok, bank e:hoolr, tteaaa~er's chock or eashbr's chet3c, provided air suoh chock is drrnMt vpat t<n intstitution whose deposits an iaswned by a federal agerrey, insZrumentalikY. or entity; or (d) B1ee~ufo klmds'lYaasfer. Pgymeats aro de;otged toceived by Loodar when roccived at the locatioA dessgaated io fire Note or at such other loc8tion as may be eieaignaied by I.etecier is aacor+ietr:ce with rho qudee pmvidons is 3ectien iS. Lerdor nosy ~rti say pgyroartt m partial p~oat if tt-o paymont err partial psymorrta ette insuH€ciont Io bring the i.osa curt+ertt. Lem ~, aoo~ ~ peprmoart ~ partial paymmtA htsuffciegt to ~ the Loan ceuoroat, wittrout waiver of auy rig>tts heruemder at prq~adioe to ib dgltffi to reface such payment or pmtltd Psymeitts in the fitase, but Ltsader is not obSFgstod b qty ouch pq~aeentta at the lima such pgsttalts etc aooeptod. Ueaoh Periodic Pr6rmeat is applied m of its u~eduled dae date, then Lendes need not psry iotssest on ut>7grpgexl ~. Lender msy hold aWch wt.pptied fuuda uaW Bot><oWer maiDes pe4+aemot to bring the Loft ctarattt. it BoaoaM~ does trot do so vritltkt a ttsssottablc period oPtitao, Leader obeli etthor apply such funds ar reriern them to Harrower. if not appltad ealitr, serch fends will bo applied to the otttstsading principa] betanco under the Note imtnediatt.ly prior to fexnokte:oa'a. No of$et or clrint which $arower might hst!v tmw or in rho future against Leaeier shtdi mlicve Borrower t'bm msldng pgymanta clue twdcr rho Nerte and this Security irutrumant eu porforwing the envemm-ts sad a~eerooats reaarod by this Secwhy 1 Applkatbi. of Ptyrp eats or Pmcads. )ss~ as otherwise: dasCti6od is ttus SocEiop 2, af! prtymenta accepted aid eppiieu! by Leader snail be eppliod ht the foUowutg ardor elf psiotTty: (~ ltttercet due under the Note; tb) ptiucipa! due rattler the Note; {cj amextt-n doe wader Section 3. Such pRymo>rts shall ba sppiiod to tech Poriodic PRVnaed in the order ip which it became eitte. Aqy teoptdning tooaouabr shag bo ttppliod &at to isle chsrgrs, teooad to nay other stgoaab dm tmda' this 9aatrrity inabtupatt, and then to tedetce the prlacipd balance of the Nate. 1lIaadca rpoaiva s paymmrt !km Boterower for ^ delioelueat l4aiodio Parnell which hphrdes a attfficleot »t to ptq W' lye cbetrge due, the Payment m~ be spplial to the dekAgttettt ptt)nnetrt tnd rho lak chtpgre. If more than one Peulodla Pelymeat is emtst Lender tnsy apply agjr ptdrproat received from Borrower m the repgrmant of the Periodic Pttymeats if, and in the oxkatt >bsk each payment em be paid m !cell. To rho exoent that ~' excess aeiW nBer the p~rmatt is apphad to fire full p~ytaoat of aae a metro Peniadio Ptiyaavatn, such excoes may bo appGexl to tU~ late ohatgpa duo. Voltnntery preptd+uteats tthatl be ttppkOd ~ to try preswpgymment cheagca and then ss described is tine Nola. Atgy ptplicatlaa of prprraenta. ioattrsace proceeds, or Ivflacellttaaous Proceeds to principal due under the Moto shall not erucsd a podpano iha duo dtlle, ar ohsgga bee: ttutaon~ of the tbtiodic Pgreaeatb. 3. itiads for 2 Itataa >3txrowor shall pay to Lc^der ea the dtq~ Pexiodlc p~'ymenta are due tutdex iho Nota until the Nato ie paid is lb1l, a stun (the "f+mds"j to provide far psyntamt of anounta duo fa: (s) flees end aaseasnoeats sad other iterm wtriah cm attain priority ovm• this Security tastrument as a lien or ertctmtersaca an rho MadFnedtae 64e t1I~V 1'~c 4 of t1 BK i 9~9PG3969 ttittddtr~ Par* ~ auot tonlhwM^.aeMa o~u.Tr.r~u.,,a~ar.~ ..._.~_.r.._ Pcol~iYi (l-) ~ pis oc around rents on the Ptvpasty, if ally; (e) premiums for ~ and a1! iasursatx requited by I.onder wider Secdaa S; and (d) MurtgaBo ttwuaace premiums, if aqy. ar tqy rams poiysble by Bartvwar to Lander in Ilon of the prpmsnnt of Mattgage laautaaco preaniums in accartlrnco with the proviyons of 3octiaa 10. Tome iteaw eras called "8aerow Itema.° At origioaioo ar at say time daring the trim of the Loan, L.enrior mq require that Conaautrity Assoclalion Duns. Foes, sad Aaaoasnseate, If arty, be asaroYrod by Borrower, sad srsch dues, fool and assossare~s ebail bo ~ P.etxow Item. Borrow4t' shall pldoept(y tldtds6 b Le»dar trU nottoea of awawsta to be paid under this 9e~n. harrower shall pay Leader tM Bumda far E•crow ttema unless Leader waives $t><rower's obligattoa to pa the Funds for aW' or all F.~row Items. Laudac tray wpve Borrower's d-llgstloa to pay !o Loader fiords for say ar alt Tisa+ow items at racy tirra. Arty sorb waiter myy only bo ht writing. In the event of sorJr waiver, Borrnw+ar sbdl pay directly. whoa and when payable, the amoutrls due for arty lxserow Items for which pe<yrerent of Farads bas 6aoa waived try Lender sod, if Lender requires, shell famish to Lender recedpta evidencing each p~+oscat within such tttno period as Leader may requtrp. HotroWer'S obIIgatiaa to asatoe such gaymouta sad to provide receipts shalt far all purlracses be deemed to be a covensat sad agteemaart eaadrdned in this Secuuity Inshamoat, ~ ~ p~ "covenant end agi~eemeat" ie used in Beeline 9. If $ors+ower is obligated to pay Sasr+aw ltemts diteetly, purwaat to s waiver, end Borroweu fills to pq the emoveit doe far an 6ssex^aw Item, Lender tagy exeacisa its dgMs seder Section 9 and pry snob amoaat Arid Harrower steal! ttrpa be obllgMed muter Secdon 9 b repay to Y.ottder arty sttc6 amount. Lewder taq revoke tltie tvaivor as to a~ ar all Escrow ltetas at say tirire by a aeries gives la acoaadanoe wilt Seetian 15 sod, upon such tev«atioa, liotrawar slrsll pqy to Lander ail Fwsds, and is such tnoounte. dttt ate than regt~rd uadev this tlxtioA 3. Laaelor nrq~. at soli' itme, collect and hold Ftimds in rsr smamrt (s) sufftaiertt to pettait Lender to apply the Fmrds st tiro time speclt3od under 1tFSPA, and (b) net to eaceood the maxlpanm amotmt a Larder can ~-'e under RE,gPA. Letukr shall e;stfmate tbo aprount of Funds dnc on the basis of ceurtiat date and t+easoaabk enimstes of ergreodltutea cBfutmro Psctew hews or othe=vrlsa in accordance with Applicable I.aw 'i7re 1•~mde shall bo bold In w iastitutien whose deposits are imurod by a fexlerrtt agency, iastr.usrmtality, ar entil<y (inclgdtng Lender. if Leader is an iaetittttiem whose dapaalts era so 4-strced) or in say Federal Home Laaa Bade. L,order shat! apply the I+Ymds to pay tha Bscrow Iteau no !slat than Qre time specltkd under RFBPA. Leader ritd3 pot a6a<ge Boaotrer Far holdiisg turd applying the lruade, anaueRy apalyziag the eyarow sacoumt, a verifying the Bscraw lkms, anises Lender prya Bocmwvr interest aD lire F+ards and Apptieable Law permits Lander to make such a ciuaRo. Unless an egroemeat is made ip writing or Applicable Law regrurve iatoroat to be paid ar the fiords, Loader aha11 no! be tegpit+sd so pa•y Borrower say intorost of eattrnsg~ ou tiro ltwpds. Hocmvrec and Leader can agrco in writlag, ItdWOYCI', that inttstst eludl be ~ tat thv fimd.9. Lender tilratl grYC to Borlerwex„ Vvlih0ltt Charge, en straw! aocoupbtng of rtes Fonda as tegan~+ed It1r5PA. I[they+e Ie a staples ofPuads !tell br escrow, a9 deflrrod undeq' RIi9PA. Lowler shall aCCOtmt to Botrowdr for the orccosa fields be aecrxdmoe wilt RESPA. Yf ttreto is a atrottage of Farads held in esrxnw, as datiaod tptder Rl33PA, Lender shall notify $orrgwer w t~equirtxi by REBPA, aril Bamtrer shelf pay to Lander rho amottt-t neces>ay to more up the shortage. to accatdatrca wilt RFsSPA, but i» no Aeero ihpri 1Z marithly paytpeob. If tltcro is a deBdency of fitads bold is ewraw, as de8aad utrdo~ IiE9PA, Leader shalt aottfy BatroYrar u ragaired by ii;ESPA, and Harttlwer shall ps6- W Lender the amvwrt necessary to make up the dotkletlCY ~ eocotdauco with A, but ip no rants thee i~ mos>t6RY P~• Upou peymmt iA full of all auras socttred by this Security Iristttrtaont, Lender shall promptly refuel to Boreotrer anpr Ftmds hold by Leader. r1, ~Itar®ee; Lkas. Botmwcr shell p$y all texex, a6saarsmoate, charges, lipes, and itnpaeitiotrs atttibttosbte w the Prvpevty which can sthdn priority over this sexarity ios4vraent. teasebatd p~ymottts ar gmrmd tetris as rtes Property, it say, and Cotmaupl>)+ Associadaa Dues, Fees, sad Assetsmcabr, if aN= To Iho oxieat that these items era l3sctow Items, Borrower rind! pay them ht rho m~ provided fi Soctitm 3, Bprmwar shall pa+otaptty diacbatge say Ilea which has priority over Wis Security Instrument unkew Bcxmtver: (a) agrees ia.vvriting to Qro payment of the ob!'rgdion seemed by the lien In a mama aoeeptsble to Londea, but craly w lopg as Borrower is performing sorb agteemettt; (b) eauksts the li® ht $ood fii9t by, vs ltfends against ettfaroe®oat o[tbo Uca io, ttgei proeeadhtgs which is Larder's opialar ope:rsto ro praveat the eaforeemem of the Um wl-ile those proceed'n-ga pre pending, but only wtn such ptocoed'ipgs aro eoacinded; et (e) secuaas from tiro hoidor of the llem ao agttiomeut satisfactory to Leader subordioatipg the lien tp this Security Ta~trumeatt. If raMM>1!{o'~eSMpkP®qy-Fadelti~dR-tiddcafaelAVilO~RrKII'tBlitUSfFM MWjM~MFo~oJrll~N7 )oaRSiAgt7e SOIha1.~- lac' or It u111a-MMancwa w~w«~c~~.oa. Woes.lf.ttrrlrrri.,aLe BK1989PG3970 Loader debrtaatot that nay part of the Psopacty is subjact to a lien whioh cm rdtavt prfotity ova this Saotttity Iashvaapt, Los-dsr trtgy give HooroWer a notice tdatttryiag the lino. Vartthhr 10 days v! the dato an which that notict ]s givDta, BasvNrar shall satisfy rise lien or taloe one at; mars of rite acdons set fottb ttbolre its tbia St>ciim 4. Logder tnq rogdre Aarr+nwot b pay a ottatiwc ohatgo Par a coal estato tax verlHCaBoa andlor tteporttog servioo wed b7' Irssder sa aonwcdon with this Loan. S !'rvpearty ltattMtwaoe. Borrowtr shad Icoop the lazpmvats>mm ones exidiag or beeatlar eneotod oo rho Property insusdd +g+tioat loos by Rn, htaerds fucludod within the tartu "ettteadod covvrogo," tmd awry, other ht~rda irrcltding- but not liudtnd to, easttlgaaalcDS and floods. tar wbioh Lando requires insasanoo. 7Lis itamrtasoe sbap be maiprainod is the amotm>s (iactttrling dDdttcdhk [Duels) sad £ar the potiods that Lender What Lend+ff regtitDa ptrtsttaoE to the svttienees cut choose doting the term of the Loan. '11tc ]n9ttraace crtrrier providigg flee iastaancx 1 be chosart try 13orrower subjoet to I„ander's dgiat to diaaltptm~e Bottogvt:r's ehoioe, which right shall avt bo esxer~ased ,mrettsvrtbly. Lender mq togttlre 8ortower to pay. in comoctian wide this Luau, OitJteT (a) a ano-ttttte chntgt: Ror flood zQOe dolcrtniaatirm, cettifscdion tattd tttaoioiag sarvlcea; ar (b) a oar-tithe c~ for hood moo depoenia+rtion pfd cMificrQiort services and subsegtrant ahttrgp stash timo ttttttttppit-ga ar sLnilar ehaagoa oCenr which reasonably might aPFact such doeettrthtstioa or ca'tificatfoa. Ba:owtrP shall also be ttsypoaslbb fa We pgment of any fen imposod by the i`edera! Smcrgetscy Maargawot Agency is eoweetioa wigt the ttwka of atry flood cone detemaination reaukmg broth as oltjextian by Haaroaror. If Boerowet' fa31s m maintain toter of file coverages dosmillDd above, bander mq obtain ittstrctnco covens~+, at Y,oader': option and Hmronuot'a oapettte. Lender is trader ao obti~ltion to parohrase flay ptriiouls type or amgmt of coverage. '17ttt+sfim~e, ouch covcrt~,e shalt coup' lartdor, but might or mig~-t not ps+ottxt Banower, Borrower's oquity b the Property, or the conieats of tfte ProPorty, agatntt aqy risk, hawed ar ltabi>Ity and tdght provide gtoatar or losrar coverage than was previously in effect Harrovrer adatowlodgea that rho coat of rho htsmcaAOe oavatt4ge so obttdacd might sigai6caatiy arocaod the Door of instnartCD that Borrower tonhl Nava obtabsod. Any amoatats dlsbtsr:ed by I.andor ttuder Wis Section S sbdl bocoma add'rtiwal debt of Horr+owor eoetROd by this Soettrily institmeat. Tbase amatmta shall bear intotvst at the Note rate froth rho data of dfsbiasemDat and sivll be petyablD, wi>t- attah Intet+est, trpoas aatice Gaiss Letdar to Baaower regtteadiag payment. All imtrraaoe potidaa required by LDndar sad rottsrvats of suds policies shall be aal~ttot to Leader's tight to lat~spQpry~vvvie stab policies, shall ittcltado a taaadatd mortgt~c cimsc, and shell name lender m mer~agoe andlar as as ~tddldagal loss psyae. Loader shall have rho tigffi to hold the pDlloios and teaotral eestlflctttOt. Tf Lander segdra+, Harrower shall Pmmptty givro to LotdDr all rce4ipts of paid pteatittms and raoewal tsotioea, lif HartaMrar abtuas say form of tosanAtKae covDtagp- not otbetwiae roqutrod by I.ender- for damage to. or d~uotion of: ib0 Property, such policy shaTf iaclode a atmdrad trtartgage clause and shall riatae Zander as mortgagee andlor m ap edditiotttti toss 1~• la the event of lass, Horrovror shall give prompt aotke to the iaswAaoc osmrler and Leader. Lender may maloo proof of loss if'sot made protnptty by 8orroarer: finless Fender sad Bottorrtr oth~ae ~ itr wtitiag; W iestaratoe ptaeeDd6 Wes' of hat iho uudDr}yiug iasttraacD was t~equiaod by >rondat; thou bD trppried to teatotatiem ar tvpadt of ibe Pmiseety, if the rasborrtNpst m rtspalt is ecanoasical~- 6eraibie ttnd Lettster: taectaity is trot teAtertod. 17urhtg such r~apsds sad roator+stloa period, Leader shall have the fight 10 hold snap fiuwp~moo ptrtcteds wdl Loader taus llad ~ oppalhdq- to inspect snob pioporty to ensure the work has been aotasplttt'ad to taodar's satisfaction. povided tilts antch inspecttom shall be tmdorttaltsets prtAlptly. Lender may dit>itarte prttooods for flte reptdrs std rastardian is a tide peryrmcnt or is a series of plasters psytnoaas a: the work is catnptetad. thslasa m agreement is toads in writing ar Applicable Law raiuires tat~at to be paid ort snob iasmrmce prnoeedr, Leads tdtpll trot be requlrod to !u4' Basrattttr ax:y irrtansst or eatainga on mach procasds. Foes for public adjttsteri, or otltar third Patties, roteincd by Btnnoarer shall not bD paid ont of the inawatce proooeds sad shall bo the talc obligAdon of sorsa~wet: [c the tnaatatsfiat or rapsdr is nd oconalaically feasible ~ IApder's segtrity wwid be ksseaod- ilb iasartmoe prncoeds than rte > to We atttns aectavd by thin Soct+r~y lnstttttaaat, .rltrtbc or hat than due, with the eucoss, if aqy, paid to Barvwer. Shah lnawartcD puoeseds shall bD applied b the cadet provided ibr in SocHaa 2. If sorro4ror abandons tbo Property, Lender raq flID, nogodase end satUe aqy avdlabb inaa;aacD ataim and related atatfna. if Horrotver does sot retspoad within 30 dqt: to a ttotioe Rasa Letsder tbttt the iosrntmo0 e:ria has otltterod to fettle a eltdat, tbsn i.eader mqr aegvdtt; told st>~le rho ciadm. 1'he 30•dsy potiod will begirt when the antler is given. lv oithor ev~ertt, or iPLcada aequisea rho Property ender Seotfon 22 ar a8terwisa, Bormwer hereby r~r~t„tai. si~ae Fa,~ityar.aat~ aK.~re~t~ a-re tnrr~-c uvsrnvn~ar >HatRe aaoanea~•.. ~ ntnt 77rs'QO~auttrQt QoVrrCa. OIC.- iris 6 ar 1a rArsa.~w ae, sae w«avp ~ omoi,n.aersw^re..~w Bit 1989PG397 i asaigtts to t.ender (a) Sarower's rights to spy inanranco Pmcoocl.+ in ~ amoUAt sot to exeeod tha mmowus uop+ld order the Ndo err this Secarity lnravnoent, and (b) any otltor of $arowor'e tigttp (otttor tbsp the tight ro any refund of amittted prttrpitmte paid by Barrowtr) ttttdC' as losurpace polloiea covartog fife Proporr<y- ioao6sr ere such tights ate MIpplleabG eo the covoztBe of the Propatiy. Lauder may use the iasuraoQO proceeds either to repdr oc restore the Fr~terty or to ptg- tmsouab oupaid under tlse Nose or this 5aeurity I[tsafitme0lt, whether of nd flmm duo ~ OoetpttKy. Borrower shell occupy. estebllsh, std trse ti+o Properly as Borrower's prittaipai resldeaco wlthbt t+0 dtyys agar dro erceculion of this Security InsWattptt and shalt eantinue b aootrpy the Ptnperty a9 Bot'to+-+er'a prh~oippl roi+daneo for at least one year asor rho dssa of occupaQOy- untass ladder otherwise agrees ie yvtitios, which odtsetrt shed as be unreaaoasbty withhold, or uatoss extanua#iDg olrvtnopsttatoes artist which are beyond Borrower's eaetrol. 7. T'tssa'ratiob Matnbauuee sera Proteedon of the Pr+opert7 i Impoetiota. Eorrawer si-ail not d~~y, damage, tx impaQ the Property, allow the Property to doteriorata or eomuoit roasts on the Pruporgs wbattrea err not Borrower is rbatdmg in the Property, Borrbwor shall mai»tain the Propsny in ordar to ptbYeut the Property firopt doterioCRdng or deca~etsing lt+ value due to im condition, Upiess it is determined pttrstteat to Secbiot 5 that tbyalr' err rettatadaa is not tcanarticaily ficaeibk, Botrowar shall promptly topsir rite Property K daWagod to avald further daeariatttdm ~ damaga. If iuatuanoo err condetunrAioA proceeds are paid 3o costteottan svhk daQnagp to. err t6c tttitlgg o~ 16a Properly, Horr+ower shall be rsspoadbb for repaielAg or tarborirtg rho >Y only B' LatNkr hat rekaeed pra~eeda for such pttrpaaas. Lettder tntpr disbaese proconds for tbo repairs told tbsboradm In a sitt¢e paymom err le a xtios of progr+osa pttyntapts as rho work is compbted. >£the ins+ntnee or ooodmrttatittn proceeds ttv sot au~lciont ro teptir or tvstnre 11x+ Property, Bort+ovrer is not rellevod of Bmrowor's obligation for the casnptetiop ofsnob roprdr or toatoratiaa. Lender or its sgerd may meiko reasanablo taffies apes artcl inspections of the Property if it has raasomsbio cause, Lander anay- ipspect the iatericnr of the improvoram>is on rho Properly. Lender shall give Borrower notiec at the time of or prier to such sn interior inspocdon spoc3fying such reasaosblo carne. 8. Borrower's I,,oat Apytleatior. bortvwcr ahdl be Gt default lf, ~ the Lanni applicaliot+ process, Borrower a aor paseaa or entidas adiag ur ttu diroction of Bonawar or with Bormwer's kaowtedge err oonseIIt gsvo mtttetlally faleo, misleadlnR- err ImtAOtrate inforntatioa err stetomopts 1o I.eandar (ar Palled to provide Lottder alth oaaterid itfasasadop) in co>,potstlou wi9t tha Loan. lVLtcri8l roproseahttivas itclttde, bat aft not limited to, toptesettdtions oonveroibg Botr+ower5t ocoopancY of the Property as Borrower's prhsaipal resider-ce. 9l Protectlos of l.atder-s Ittttreat !t tta Property tttd'Rigltq llada~ t6ts Sectcily itattttttett. If (n) Borrower fails t0 pcrfotaa the covaoanb and agps~enb eonitdtted in this Setertily htsWased, (b) @br0 is a legsl ~aed~ that p31g]d fi~re8ntiy affect LCDdef'3 IDtetbst ip the Property staler tights Itpder this &curily IpaetuIDedl(ats3b as a prviceodmg in banla~try, ptabalo, f~ condemnstiott or fot5titw~o. for aefotrameot of a lip vrlrtoh mtg- attain priority overt t3tis t3oaari>,y Insic®eut or to eaforoe faros or mg~ars~ or (e) BatTOivcr has ttbandotsod the Pcoper~y- then Lander may do atd psy far w6ttbover is reasauabie or apps,oprisdo ro protect Leader's istpereat ht the Propet#y and tights tinder this Seowby L,satrmertt- ittcladbig prattOtiug tndlor asaerdiag the Yalua of the. Propasy- sera feauing and/or rapdnug tba Property. lettder'e ttotioos erns ittdtrde. bat tab not tltnlted to: (t}prgr'ats anp~ sanms aactq+ed by a lice wWcb has prtorigi over thi>< Sccwity intdvtsmmt; (bj spporipg in cotrt~ and (e) PCB ° amomtrye' foes rd Protect ifs itteenest ie uie Property atxllor > tfadtr this 3oourity lnt, hsCbadht6 iri seadred po:il3on is a beniottpsny prooeo tit:eatthtg 160 Fr+~tty 1 but is not limited to, opposing tba Property to melon: rcpttirs, abaogb locks, repIaoe of bond up Qoo1s tarn wittdtrovs- dtaia walcr ttvm papas„ olbtinsta Mdlding or other code viotatioDS err daugarotts conditioat, ead 1tM1ro utilities fumed on a off. Ahhcstgtt Condor may take action tinder this 3ectiop 4, lender does not have to do so and is not under asy duty or oWiQatim w do so. It is agreed that I.endtr roams no liability for not tddug any err all ttetiopa autharized under d»a 9ocdon 9. ACS' amounts distxtr:od by I.cndar tinder this 3edion 9 shall t>ecoalc additions! debt of Borrower secured by this Steutily Iastruniertt. 'These eatounts shall boor irtter+est at rho Nutt rate 6nOpt the aeon: of di9btusca-ont and shall be prgrabk, with such intonst. upon aotioo from Lender to Bormwet roquest+stg pt~set. if Chia Sectpity Instrtmtapt is on a leasehold, 8ort+vwer' shall comply wIW uli 16e provisiaaa of the lo>ise. if BormWOt aequttbs See fitb to the Propet'ty, rho leasehold apd the fee tint shti! not tturg~e ttelass I.endrr agrees to the merger in wri8dg' 1Nns Uosclualres flaunts. Rtt:r tale tJPUPtIiIlt !^Se 7orls ~rwrn.rrMara ~sw ~~~ °°°°~n.cv~snasc.wa..r~ 8K 1969PG3972 10. Mortpge Iassraree. ff Lender roguirod Mnrtgrgo iaatitrsmce as s ooadltion of maidag rho Loan, Barrtrwet shall pay tba premiums tvgidred to maintsia rho Mort~e lnwtenco is effect, if, fa wY mason. tha Mort~e lnaana~oe coverage rcquiled by Leader ceases to bo avdlable 8nm the maigt~o insurer that previmuly provided sash iasurr~oce ®d Borrower was rapnred to make svp~etcly desigaatod peyatentt towutd the premiums for Matgagrs lntttreone, Borrower shsil pay the premiums rogttitrd to obtain coverage sabetaatiaTiy oquivulent tv tYo MortgsBp rasmaace prevlouaty in etI'ect, at a cost sutetaatiatly aquivakat to lire cost tv Hatowar of the Mortgage Insutseoe ptevlorrs(y la etfect, from an aitotttabe me Meurer seloded by Lettdct: If subet'mtidiy sgoivalent Most~o lnattraace coverage if not svailablo, Sorrowac shall cmrtiaue to pay to Leader the amount of the fly deslgratod lrgymenta flat wore duo when the iaeiuance cvvsrage eased to be in offoet. Lender will sooept, uw sad mdtht these payments sa a ttA'n-rofandable loss roaerve in Lien of Mortgage lnsurenoe. Such loos t+oaetve ehsil be noa~cddwdsbk, ootvvithrtaadmg iho fact that the Loam is ultitnttoly paid in fu11, and Lender aludl ad be sequit+ed to psy Bottowvr ra+y iatotest or aerniaga ar arm toss rosarvo. Leodor oar no longer rain lass reeave payoaeata if Morigaga Inpuanoe covota8e (ln the aruomrt sad fa the period that lender esgtnres) provided by as iasurtt yoloctad by Candor agate becomes avWabio. is obtained, and l.cr>der cogtdrm separsbely desigasted pgmsab tovvetd ilia pr,eruirsau for Mpttg#®e Tnsoraoca if Laaaler roquirod Mortgage Imunmoa as t coadiSoq of melring rho Loan sad BearaWer was regrdrod to taake scparatelir desigaabd prrymeats towrad rho pis tot Mortg~e Ieasttranoe, Barrpa~er st>t~11 p4, fhe pa+eadums >oguu'ed to mwintsbt Martgsgo lasutaox is eBxt. or to prowdo . naaretptdsblo loss rvsave, tttttA Loader's ~ for Mortgage Inneattoe ends h< aceotdanoe with aqr writaea ng~eemart bettveea 8asrowar rmd [,paler ptnvlding for such teratittadon or tmtil termhudloa le tegoued by Appllcabk Law Notidrrg in tiria 3eotiae 10 affects Horrowes'e obligstiaa to pq interest sa tfie rate pro~idad is the Ndc. Mott$,ege insarmoe zdimbutses Lander (or soy endty fiat plu+ebasas fife Note) foe grin tosses ii may irtCUr if Bartiowet does not rapgy the Loan es #e<ood. HorroWet is not a party to 9ra Morlgaga taataaox. Martgeyie i~asslaas ovalwta their total risk ao eU aaoh ineuraaoe in t'orce from time to limo, acrd »Y Qatar iMo sgiooatea~ with other pasties tYat share or modify the6' risk Or nchrco losses. 7'hcse agtoeoatrats arE oft terms end oottditicna that are aetldfsctory to tito'tnortgrrgo inaussr sad rho other early (or patties) to liters agrearacrts, 'These a~edaoom may require rho mortgalge h>mra to make psymesas using tad sottroe of fimda that the mortgage imus~eer ma{y have availshle (vrttich tn~' iaaYde fisodt obtaioad from Mortgage [aauratoe promhrma~ As a tostdt of these agts, header, say parctusier of the Notes, ametlrer iasnatet, aaq~ refasuaee: say other erdiiy, or sqy a~811iste of any of the faegahr& mq+ receive (dit+eatiy or ) amounts thrR derive tram (or ptlgltt be eharactrri~d as) a paQtwn of 8carowor's payments for Mortgagor Irattr+taee, ip sxchango for thariog a modKying fife tnottgag~e Msarer`a risk. or nduciag losses. ff sum agrearaont provides the m a®lato of [.cadet takes a share ot* she instu+ar'a rialc in exohsuge for a aha:n of tbo psem;ume paid to tbo inaturet, the mrattBemorrt ie ofka termad'beptive mlmur®ae:' Furihar: (e) Any swcY rRrreeaaettb will trot dloet rite sasotuata tYat Borrower Yes epbod to play for Martgagc ittseraroe, ar Italy other terms of Iha I.oae. BeoM agroennts wiR eat tae ttu areveet ~orwwet w~ owe t'vr Mortpgs iasrlraeae, sad tYey wAl 1tM eetltit: Bortorrer to aaty rsdilad. (b) /yy toaclt agzbeaants win not ailed t>re rityY4 Hortvwer W - u aqy - witY r+aaped to tUe Mortpgs lrwraeee feeder tie Aesre4+raers PreteCtfine Aet o! 1998 or any otikel' IraK ~'Yese testa stay ittdttde tiro tight to teeotve oerteLt dladaettles„ to spat a-ed et><dn nrtxA+ttba of tYe Meetrarje Iaasraaa, to have the lltorfp8s Lpttrana tetafnated eltteruttMily, and/or to raodre a Missal of etty MoatpRe Iatsesaeoe pnsaalmps tYet Hero Mnaireed at the tote olattaY eanedtattoa orterttttrrattce. 11. Aasipmeet of Mlaeelbteeow Proceeds; D'oddfra+e. All HAacelisneoat Ptaxeata are hereby assigned to sad sbtU be paid to Leader. if tYe Ptoporty is daategod, such IvGeaoliaaoous proceeds shall be applied to restoration or repair of the property. if fife testa~tloa a repair is ~aaoatiealky fastibto and Larder's socutiry is not ieaecged. Dutiag such r+epalr aid ro~tlaa period, Candor eha]I have the right to hob ouch MisoeUsncous Pr~ocoeds mill Leador has had m appofim!(y to inspect such pmperty to onatrre the wotlc hoe bona oatapleted to Condor's setro6aetioa, provided flat sack hsapectsan shall bo uadettaltea promptly, Loader may pay for tiro rcpain and testaatloa in s single disbseteaeoo# ore ie a series of psng~+esa pepancnta as the wok is cerapietod. iJtdaaa ap aigeatnatt is taarda in writing oft App$eable Law eeguitaa iotetest t0 ba paid oa etch Misoeilaaraus Prooaoda, i.etMdar shall not bo to psgr Barrawer aaa istcoeat or casings on loch Miscellaneous proceeds. If the rratoratiaa or repair is trot eoaeromiaalty ~wrtw-ata~Fa~rs~+.tt~-~aa~~-~.ern~u-ttrvartavltm~tr twatsa~ateeana..sa~trthr 7oaorauattit+ovacr,d«- t~etottl ~ aaa:.~cerrow ~•~ak m- 8!(1989PG3973 feadblo or innder's secvriry would bo itssctted, the NGtcallatlooua Psoocoda shall bo applied to foe auras sectnod by dtia Sectvily ineiruoseaf, wbetbot or not then dno. wilt ffie e>oocss. if t-~. paid to 13orraver. Such MiecsJianeents Ptt>ceeds shall bo applied m We cedar provnkd for in Section 2. In the evert of s total L1dep. QQStrtwKioo, or lose itt vsluo of tiro Pt+operiy, rite Miseellatteous Proceeds ai-tli be applied to Hto soma secured by tUls 5ecwity ttutttnnotty wl+otiter or not ther+ duo, veldt tda exooas, if ate, paid to Horra~wer. in fhe ovont of a petrial faking, dasnoolion, ar leas in vdue of the pt'o1~4' in which rho fair taaricat valao of ~ ply immodiatell~ befaro rho pstiisl tslrigg. dtsttuction. or lone is enlace is equal ba ar greater titan rho eatotmt of the arms soauied by thin Security lnstrtmont imurediably ixfore the partial Wdag, tkstractlan, or loss in value, unless 8osroanr and [.eadat adteswise agree in writing, rho auma secured hY this Socuudty Inshument shat! be rcd`taoed by the amount of the lvpaoollaneawts Proteoda multiplied by the following fieatiatt: {a} the toed aatotrm of tbo soma securod i~edixboly ltaforo ~ P~ ~~ deattuc6on, or lost is value divided by (b) the fair mari~t ~yc of tht ply iumirecflsocty before the partial taidng, dettnx-tioa, air iota is valuo. A~ beltmce shall bo paid [o Hts;rowcr. In the oveuc of a partial taking. doatttwtion, or loss in veloc of the Propertiy is which the fair market value of t6p property intnsadistoty bears the partial taldrtg, doatruotiom, or leas in value is lase than the atnoutd of BIe sums teovsed Itnmodtately before the patttel ttddng. desgvctioa, or loaf in value, ualev barawer sad l.aidet otbotwlae agree in wtiWtg. Wo ildieeellemeous Proceods sba11 be epplied to the source secttt+od by this Soaortty YntQmmeat wholbar ar ant die stuns fro then dtae. if the Prtrpotty is abt+ndmod by Bormwar, ar if, atler notice by Loader to Borrower that fhe Opposing batty (ea dofiood tit fhe tread sotttaaee) otiiata to tnd0e as awtod to settb a clabp tar damages„ Borrower faits to respond Dn Lender witbfn 30 days otter the dabv the ttodoe is given, Leader is arrthflrlad to collect and app)y the Msoellanoais Proceeds aidter to tt:atoratim or repair ofthe >'~tY ar to Wo sums aeostrod by this 9oeurity Ittstromaat, w>yadter or .not fhsa duce. "Opposhtg Psrt~r raceme the thud party that ewes Borrotror D4+soeitsnooua Prooeeds or the pally agalttst whom Barraaver has a right of ttglon is mgsrd to Ntlscalleaoous Pmoxds. Botmtror shalt ha in detlaslt if a4' action ar prooaoding, whether oivii oe atinilnal. le bogtttt fiat, in Lez>dor'a ~trdgmeat, ca4dd sosutt in for5eituote of tbo Property or o11wr matorid impaitmertt of l.ewdar'a interest in the Ptopa~y or rlgitts undor ibis 3oanip' ina~rttwent. Borrower cen oars suoh a deEwlt taad if tw:cetoration her oaourmd, rotastaee as ptovltiod in 4sodan 19. try aaasittg the active or proe~oediag M ba disoodseed with a ruling that. is IAttdec"s jttd~tatt~ prsolttdes for6eittno of the Property or other toatotial impairment of Let-der's taeesest in the 1't+opotty or tlgltls tq-der this Soclpily Ltetrnmont. Thu ptoaeeds at uty award or claim tart dtstltges that ato at6r16ulsble to the bospalrmaat of I.vadgr's itttereat itt rho Property aro bweby saatgnod told dtall be paid to lottdor. Alt ldlacxllaneoes Proceed} that am not applied to restoration or mpair of the Proporty sha11 be applied in the order ptvvldod for is 8ectiaa 2. 12. Barrtytuer NatAskatedt Forheararee By I.eada:r Not a Waives Exteasbn of tha titan forprryateat or modilicotim of amatiteet~laa of iho aurtfs soctued by t4is Severity inact~ctd t:rmmd hY I.endrr to Harrower or aqV $uceossor in 7ttoateat of Banowor shall not oporate w rotossc rho ltablliEy of Bopawer er amy S»oaea:vrs in Irtroroat of 13arowet: iendar shall not bo t+oquired to coromortae proeoedlnp agAhtst nay Suaeessar is In6erett of $osrowor a bo trfuae to extetd fimo for pttymant ar olberwise maiity smottiaatian o[ iho arms seotnod by tWa gecmrtiy Itah'ttmoat by ibasm of .qy doastmd tusda by dts otigittat Battowar or app Suootxsat>t in hste<~ of Botmwor. Ar{y forbearance by I.endet in eaoarotaing nay tight ar rOtpedy including, wilttout liatitadosy Loader's acceptsnoe of payatents ham 1Mrd petsata, antitiea or Suocostars is latorest of Borrower or in amtwaltt: lass than ilia emoaat than dart, dull not bo a weiverr of or ptaatude the exercise of s»y right a comedy. 13_ Joint aced &veral Ushigtyl Co•slpcra; t3s<eoesson and A:si~u BoriMd. 9otrowor covensna sad agrees Wet Borrower's obli~tiaaa and lisbltity ahali be feint std sevetltl. Howatror. aqy Berrotver who co-srgat thla Sacaaity 6nstrttauaot but does not exawtt0 the Nato {a "co-sigtrat" ): (a) is eo~ad4Meg ails 3eem'1ty InstrtrrnotR Daly to mortgage. gttmt aced convey rho aoei®aer's htbrest is rho Property under the trams of this Socutilfy Iasatmont; (6) 4 twt pertons!(y obligamed do pay rite zapsns eecurod by this 3ocurftY taatrtrntenk and (c) thsd Leader sad any otbe~ Hotmaror oat agroe to extond. wadity, forboa' or tneloe olY accomUnodstians wi9t regard oo the tams of this Seautty hnlttnnoM or the Note widrottt the oo•elgAer's e~eern. 1"er4~*a~Mar4~ai~0F~'-tr~wkJ~4~elti-ai~cMattnVlFOtIMIIMSfAiI~! MOlti]iEOdaedi~3R~t1lAr .-tlae0ouaua>teaeBouaa.6ter- 1`tae 9 arts tatsseawrw asp t~MC.ogaY.asa.aien ~~~ e00pr.1LC~..7ewp,iM. 8K i 989PG3974 Subject to pre provisiotu of Section 18. mty Stioceseor In taterosc of Botruwor who asatatne Bo,.r.r.ower's pbitgaslana tinder ~ Beouaty laasttamerit In vurlting, aotd i5 approved by l,eradef, shall obtain aq Of iTl~l.+w.+'a rights sad beoeElts under flits 8ocurhy It>9tnament. llorrower shall nd bo robased Tiorp 13orrvwer't obligations and tiabiiipr tmdee this taociuity iossnrmant uafess Lender agaves to such tolaasc in 7rritigg• The eovetiapis and a~oaaantt of this Security lnstrtnrrnnt shell bind (escept as providod in Soctien 2t)) sad benefit tha suceeasors mid assigns afLetder. 11 Loath CLargts. Laatdor iaay eitAtge Borrower fees for services pcrfot»tod in eomtectien with Borrower's doGaah, fns the purposo of pro0ocsag Landmr's itrtorett in tt-e Pttaparty and rights tmda~ this Socwity Lutrumealt, itacittdiag~ bat nut limited to. attorneys' fens, propea'ty inspociion said valtaetion fans. In ragaad to spy atber fast. Wa absaace afeaprvss audaarhy in this Socurhy lattrument to citsrge a spocitic fee to Bortowar shall not bo consaued as a ptnhiblbon oa the charging of such feu t.endtc anq not ehsagc fens that rQe oxpresaly pnoltaibited by this Sootttity InsUtmecat ar try Applieabla L>•w. U the Loan is subject m a law which sets masimum loan ohaugos, sad ii>4t law is fwelly intar~ted so that the inteaett or older laaaR charges eoiloatvd or to be oollocmd is coanooNori with the loari emceed the permitted limits, then: (r) tray sash loan obtq>ge shat! be roducad by t~fiC etnount nccetsary to aedtaco tho charge to due peYtnittod liapit; and (b) m4' tams dtnsdy oatieoiad from Hartawor which wtceoded pstmit0od liRdta will be scfuaded to Borra~wet: C.aa~ mt{y obooae to sralra tWa refwtd bar rodudog tho pciatoipat aweA ttador the Note or by rnadCing: Qitnct psq~ment to Benoaer. If a t~imd redaooe Pnaeipat. due reiluctitnt wi0 be trotsod as a patdat ptepq~meut wlthaat mq ptepsrymeAt cLssSo (whatitd' or not a Ptt:p~{ymeast ~'gv is providod far wader the Rote). Btarorver's tecepWtoa of Ray sack trsfamd anada by direst paymerR to Boirowar x811 oooatttntee a waaiwu of stay right of action Borrower might have asitiag out of grab overc>>arga. IS. lYaeleet. Alt uoticca given by Bortow~or or Letader in oounection with this Seeurlty lnshntnaeat must be in wrttimg. Arty notion to Borrower in aamwcrian wild dais Security inatrttntoaR abdl ba deemed to have been glean to eorrawor wtxm maiiod by fitst class mail or when ecaasily deliverod to Barrowcr's rtodee sddt~ass if sent by oilier ineaas. Mortice to ~ one )~virovror shalt Gonatitv0o Rdice to art Btxrotron unbsa Applicabk Y,aw expsvesly rvquiros otberwiso. '[he nonce addt+eu shall be the 1'topcs(y Address ttnleas )jouowtr has designated a substitute raodco addttiss by asotitx to Candor. Bas:aNrsr shat! psvarpdy nod~r Candec of Borrower's cbtgige of adihest. If Cerdotr tpati6a a prooothtta fa tepatfTttg 8ottower's obrmge of sadrass, titan Botrot~ar shall oatRy report s chraage of address throttgd mat aroci>ied pmoodure. 77yens angy be only one designated native addpaa tandar this soaoxity Instrmooent at sa4Y o~ titian. Aaq- Hahne to Letrder shell be given by delivering it a by mailing it by lint class mail to lvnderb address stated harvia anloas Leudar has designated another address try notice sea Bon+ower. Awry aaadoa is connection with this 6ocruity Tnslrnmont shalt ad be chewed to bava been gluon to Leads uaW sctuat~y roeeived by Condor, If stbr aodoc rogairod by this Secvr'ily lnsbtancnt is tlso required under Applieablo Law, the Appllcalaie Law rvgalremeatt wi8 aridsty the eoaegaeodlog tvquiaemcnt ttndor Ibis Soetuity Laatnanent. t6. Gotrardagl ILawt SeverttliAity; Rates d Casatraeitop. This Sewrti(y Iasttmaaeat shad be governed by fvdesat laq~ and mo btw of the jtatiadletian in tt+ble6 me Preperty is loetaed- All slghas and obligations cenddnod in this Bacaaity lattrrtgmat are anlti~t to ~ rsquirs®onts sad timibdlans of Aq~lioabk Iarw Applicabk Caw might oocpL'aitty or implicitly tdtaw the ptrctiet to agroo by contract or it might be slkat, bat tuo6 silea+ae abdi naa be eaoshued as a pea aigainst a~o~t by ooratttiRk ]n Ws ovaaat thm aoapi provlaioa or ciatao of Uilt Sccruhy latstrtaaaopR err the Nola oosdllets Wkh AppHaa-bb Ltaw. such conttLar stall sot tttlbct oti~ prov3siooi of this Banality in.~nntant err iba Nom which cart be glean e~ct wilhaut the canflitxing provigloaa. As utood in ibis 3eearity Xnstnraaeroh (a) words of the analculsue gtsndar shall rowan atad inelade cort+espattding natsaee wards or words of rite fbminlae gefldw; (b) wads in the singular shalt anamt sad iaoltido lbo ptunl mid vino versa; aaxi (c) the ward "meg+" glens sole dittaation without aw+ obtigation to talae awry aotioa. ly. Bers~awar'R CopK Bamwer shall be glean one copy of the Noeo sad of this Seatai;y instruiuant. lb Ztrstatfar or the properb' or a Bratt~l Lttsrgt la Sorrowar. As used lti this Seetiaa 18, "Ipmrest to Ibe Praptrfiy" means et4y legal or beneficial interest in the Peap~ariy, inchadimg, but nd WR16od to ~c t>ane5cisl inbpoab q'Rnslerrad in a bond for deed, eotatact fnr deed, mifalimoat aRtea costiract err escrow apeement, the fntaat of which is me kaasfix of tide by Bartawnr d a tttttao t3rue to a- ptitcbaa+en If a}I yr may part ei'tho Property or say lrtbt+eat in the PropoRy is sold err a~asod (err if Burrower iR nut a natant person std a beneBeW Intbroat in Botrower is sold or ntoafened) withwt Lcttdor'a prior wr{tton cataont, --'[1aiCasnnAMCS$ooaa~.IIttJ-- >~e lectll urNN-~ws~.a~a ~ram.siWoe~oww+on+~ t esa6l.YM~rWee.~o..~e.c. 9K 1989PG3975 ~_.__ _ ._ ..._. _...T . Lander m4' tetparo imwediate pt4maent is fuA of ail strata secured by this Sectui(y Instrutneut. However, tble optloa shall not bs atereised by Leadtx if'ucb exotcite is prohibited by Applicable Law. if LQtfder exercises tbla opaam, Leader shalt gire 13arr4wrr aodoe of rccata~aiia+. Tho notice shall provido a period of not Jena tttaa 30 days frnm fire date the ndioe [s given is atcaedmce with Sectfroa 1S tvithia which Bornovrer must pay ail soma socttrod by this Securiry innrtmdmt. If Benuwr'r' Lila to pq there Bums plot m the sxpiradoa of ibis period, Evader may invohs wy cea>odies permitted by this Security L~atrument wtthotrt finrthor notion m demand as Borrower 14. Borrvner9 Rtg6t to Sdaalate After Aecdsntba. if Bortoww moats certain cood'ntans, Borrower shaft have rho right to have aat'anocsttattt of Otis Security Yftacntoncot disoastiaued at arty ttroo prior to the eatilect ot: (a) ftvo days before Gale of rho property pttmuaat to arty power of ae]e contained io this Secanity Inst:ttmoag (b) sorb other period as Applicable Law might apeclpy fir the termination of Hotrower5 tight to roineLete; or (C) amnry of e judgRnottt eufa+c~heg this Security Iapttnnetu. Those coodifiow are that Hotraarvr, (a) psya Leader al! soma which than would be dno order tbds Sacwity frtstrutoo~ttt stud the Noce u if nor aooetearaaoa htd occuttvd; (b) cures ~ deLult of arty other oavanettts or a$rvput~Ct; (c) peya alt expemoe iucuttod to enforchtg this Security 1aaWmeat, iactodiag, bet trot limited to. reaaortabto attottteys' fens. propertyy iuspeo8op and vahtation teas, a,od athtlr toes iacncrnd for the ptapote of proteadag Letider'a iuierdtt in the Property and fights order tbia Sectai jq It>tA+noaeat; and (d} ttices web artier as Lroder map,+ reasonably royuiro to argue that Lezdor's int~er+est in the 1>t+opotty and rights urYfer this 3eaati(y IaatrrtseM, sots Borrower's obligMioa to pry the saints sectocd by tide Seaa+iq~ Ittsatmtem, abed coatlnri0 ttaehenped. lender tngr rogttirez 1bd BatMwor pay ouch teinsbasemaat roars cad Ortpomea iq one err moro of the following fornag, as aolaebd by Leader: (a) asrth; (b) money vNer; {c} oatitiod choct~ bask chock, troaatgpr's chcelc at caalder'a ehectc, ptbtnded ttAy tu~h cheofc is drawn upon an insotutioa whaao deposits ors Insured by a fodosd agoaay, tusltttmcataligr reality; or (d) Tsiocttartic blmda 7i<wwafec. Upoa tranattttemont by Borrower, this 3oaa'rty inahurltent cad obligatdtme aectned hta+eby shall ttttt~+n fuNy egbative as if no aooeteldion bad occurred. lioq+evrsr, dtta dgltt tnrr:hataty shell not apply le the cane of sceefaratioa radar 5et6on 18, 10. Sale ~ Nde; t:lita>e~ of Lour 9erviat; Notke of f3rknate- 't'he Noce or a Pm'nM Intetoat L We Note (tt:gdltor with iWa Seandb~ fit) can be acid one m morn times without prior ao8co to >iotrowar. A seta might retltiE 1o a clumgo is the stttiiy {iwowa as ti+e "Loan Svrvioet'9 testa 401kcb letiothc Payments dwe under the Nate and this Soowity 1~tant atsd petfotma other mortgage low serviofagt abilgattans under the Nate, this 3eatQity int[:tttoeat, cad Applicable Law '[Lae alto might b4 oar or mote abaagat of fire Loan Sarvker tumleted to a ssk of the Nate. if there L, a change of the Loma Scrvieer, >iOrrower wiA be given wtiltat- notion o[ the ehauga which tests state rim name raid ttddteae o! rho new Loan Servlcar, fire address to atdcb peymaats should ba made and eery other infaamatioa 1tB8PA rrrquttes in cottmeclioa with a nodeo of traasfnr of aetvicing. If ttto Note is sold and ihoreatter fix [.oem is serviced by a Loan Servlcer arbor tkaet the purrhaeor off the Nate, the utartgage loea servicing obtlgrtiona to Beetovrcr wl$ rtmtaiu wktt tha Loam 5etvicar or be tttetsdueed to a successor Loaa Servlter aad arc rot easutnod by the NaOe purohsecr un]eSa oetd'Wise provided try the Nate purobaur: IZcitber 13vtmwer ~ Landat tnq aaatmettx, joie, or bo joitaod to ally jttditistf action (ore eit[tcr an h~dividaat Iltlg~mt tx the member' of a chtst} that ecisoe from the aWor patty's adiona purstuat to Ibis Seeursty lna4tut-eat a that ailogea that the otlar parr peg bseaeisod any puovlsiau af, or atq+ duty owed by teaser of, this Satxtrity Ta>drttaaa>rt. tatdl torch Hoervweu m Lender tbas ttotlfed the other pay (with such notieo given in cwitpiiaavo ankh tlye rtx~aeata of 9ectiau IS) of arch altegod bmectt tad et3fatded the odtcr pater htmsto a raaoaable period a$cr the g(vhtg of strait nadoo to teko oorroctive action. U A k Law ptovidet a tune potiod vvhid! ttittst ehtpev bobue errata e+olioa car be takeq that time psriod wits be t~ m be teatnaa8le for pmpoees of rifts peragttgrh. 7'hc n+odce of socelastioa end appottunity to erne givaa to Haatownr putauaa< to SocHoa 22 attd the raodte of aooeiwafioti given to Hosmwcr parsuant to Soctioa t8 sheA bo deerood to aatisty the notice and opposttmip~ to take crnocdve ttobioa proviirogt of this Section 20. 21. Hazardoas $tt~dtaop. I-a used in tide Seam 21: (a} "Iiaaedtaa Subateuoea" are lhoae subsharces defisod ea tbodc o3 bantdara wbttaatoa, potlutarttt, or washes by Fnvhcoraeatal Law end tba fofiowhtg subattutoos: gasatina. immeeae, other 8ammabk a tardy pchvlaum pmd~xts, toxic pesddde: and hstbiddee, volatile eo[veata, matmtelt cotriitsiag ttsbe><as oc fatn~ddhgrde, and t+adioactt+ro ntataists; tb) "~virenmente! Law" taeaaa tbderal iavts cad lava of the jtada~dian wham the Plgtmt'y is totaled that rotate to healQt, satbty or envilronmeabJ pro6ec&m; (a) "HaiviroomotHal Clemup" hrotud4a ray tespotLSO action, totntdial action, ~ tnrttovai adios, w waM Maepspo~8iasto wad-F..we b4dRlsi~re 116.c ut~tlwRM Ql6pCURgQYT ti~Jta tttoaldea 14~+. 71~L firM aaaouwactlpsacz. tn~ t'+~ 11 artf ~.~wa.w.. a~nu .w.eo.*rrw~,e.m.. ~~ omos,MA.~.re.s..G4a BK1989PG3976 dotiped in l~nvirarmantal Law; said (d) as "8nvirownental Coaditlva" moans a condition that can chase, contribak t0. or atlterwite trigger au I3tsvitnnavogtal Cloanap. Borrower athdl not caste or pcartit tiro preaonoe, trao, disposal, starrego, or takatsc of ray Hazaudon9 3ubatmacas, w tareatao b roletsc aa3+ Tirwarlona substerces, oa or in the !'rvpartyc Bone~wer eball oat do, avr euow ca~rorfe else to des, ngtl3ng at>6octiag the Ptopsarty (a) that is in vlalation of say P.uviromnaatal Law. (b) which creeLes ea ~tvlrtmseubd Cond111on, or (c) whbh, doc bo the preseace, use, or rolea9e of a Harar+doua Subateaoo, creator a coodltlon titer adversely the vahte of the Property. Trio ptecodbtg two eoaloaas shall oat app1Y to the prvewce, use, at storage on tfte Property of await goaatitiva of Hazardous Subata»ces that are goaoraUy ra:eogrtiaed to bo appropride to nomtal residea6al aces and to maiateoaoap of the Property (irwludItag, but not litatted to, hazatdaw aubttmfccs !n constuoer products). i3orrott+er shall protnptty give I.oadar wrrtDen aatice of (a) eny ipveafigatiout, claim, demand, Isawsait or other adios by arq gov+erarnonptl or aregalt~ory ageary ar private patsy irtvalvmg tla PropcrRy and aap~ Aarattdars Substance or &tvaoantoatal Law of which Borrower has acxuai lmowlodgs, (b) eery Tnvawmaafai t.oaditiao, iaclttdiag but cot timitod to, eat spilling, teakias, discharge, release or threat of reloase of say Hazardous Substance, end (e) coq caoditloa cauaod 6y the presence, ute or releato of s Iiszerdoua Srbstattoe which adversary attests the value of the Propettrc I;t HomoWnsr leruas~, oar is notified by sty goval or tagulataY amWori4y, a say Iaivate pattyy. that aapr removal a other ramediatioa of any Haxandoas Substance atlbotiag tae Prnpaty Is uoccastny, Bay eball pretnptly tetae all necotaary remedial sadioaa is accardana:e with llavuomz~aetl I.aw. Naehing het!eitt obeli create cry obligation w Letxkr tut to 8nvhowaealal Clawup. NpN UNIFO[tM COV>INANTS. l~otrcnyar end Leader further covmsrot and eagoe ea folivvr~ ?,2. Aeeelsratlott; 8eeedlsa. Lerdtr >Md! glue rotitx to idotr'esrer prior bo aoada;rr-tto^ toliorYta= Bors+m~er'a breaei of trey aovaaatit oe atpatrrgt la flab 9eearity lastraavert (Met trot prier to accderrttloa ruder Sesttw 18 tttlesa Apptlabla: ILaw provides olierNhlat}, Leader sla•tl aottty Tlortvattr ot, atnoa= Mier tWagsr (a) tit default; (b) fire aetton t''al~ to errs tie datark; (c) wiat lit defitdt seat be carol; trod (d) tLt t5atlnro io errs tia detYrit Res apedfled ^sy result IM aeeaierattort et eke orates seearod by tiles Seorrtty Iretrumerte forroeloean by jttd>dd proaeedt^g and oak al tie )Property. T.erder :salt tluticr tatota Hott+owca' of tie tlgltt to t~h atler s~etarattoa tad tie ri~ltt to aaert ftt rite totxsiotttre pteoealtttt; tie roaaatstatares ar a dchrlt or rsU' otitt' lateen ot)sorra~rr~ to seoeleraNor surd toeedotiwre. U tit datlarit to not erred as spee!lkd. T.ettdtr at its optioA bay regrtrt tasedtate paynert lei Trtu qt all stuns eeeuted 6y file Seearlty TrstraasNt wttiotat fytrtier desttud cad utay fetedose tale Seacrrtky lsotrulrart 1>y jndidel prectoilti~, T,,erdtr eltalt bo elttltkd to eogaat:t attl e:pta:ea tacrrred In pttrsdq tie reaedks provided to tltts Secllor ?~, iaclydita8, brt rot UmNed te, a~~o~reyt' fce, cad costs otNtk evldnce to Ike eattcat perea#ted by Appdeabi0 )Gera. Z3. Raloaaa Upon t of ail atone socurod by Wia Seatttity Inatrtaaent, tbla Securhy lasttamoat end trre eef+sDe eonvoyod obeli tes>n~aad bocome void. Mar tech ooctpYnaca, T.enaior ehtdl discharge and sadefy this Sectttily Imttttmatt. Boa~ower ahtU pap+ ~ tecardatioa coots. Lcador may ehargo Borrower ^ toe for raleaeing this Secasity Ingahranert, but Daly if rho fee is paid to a Ihird party for services reordered rind the: obaaging of Bee fan is ~~ ~aW~ a~ Hatrosvet, t4 tie extant pototitted by Applitxtbb Lavw vvaivaa end rokates ewr attar ar do6ods in procoodlog9 to eatvtce tble 8ootuyty Iostrtaamnf, amd hasvby waives B>e baoetit of atti prssa:nt ar thture Iaws providlag riot st~}+ of ex4eadioa, oxLenaion of tiara, exemptlon firm adtseiarreat, lovy end sale. cad komesta:d exempdon. Z~ ReLetaoaueAf T'asivd. $orrowor's limo to n provided ip 6eatioa 19 obeli erdond to one hour prior to tbo caaooancamuont atbiddhtg n a shnsi~'a sale or outer tank ptututmt to this t3eetaaity It-tttumoat. ~tF, rarclttac tKoAey Mrtiggd If say of rho debt sectaod by tWs 9acta~lty Iatititrmont is lent to Borrower m aogarte t1Be to rho Prnltettry. thin Setwwrty Inttrmoeatt shalt be a pt>rchttse mauey mortgage. s7. Yrttereet IBrtte Alter Jadpaark Borrower agroes Wet the itttereat ratio payable attar a )udgttteat is oatctzd w the Ndo ar is ea ectivn of mottgago fwncloatae abtll bo Wo rate payablo Sum tithe to tiara tinder the Nora. 11aa CcearuArKS tiousca, IIrG- K thane u or tt 8K 19~9PG3977 7lOat~V'f tttllRisM~anediti++aa710a<~INt turatwna~sw ~.. . (srp,eturoeorr F+o~a/ BY SIaNI~IG SSLOW. lloKa'owcr accepts said igPees to the tearua and aovenaats oontdacd in thi^ Security Tns~trument sad in ~ R~dof ox~outod by Baisuwer and rocordcd whh it N H~1HdVIC j~.t~r tva,c) {3oe1) -eano.br jPrinhd Narss) (&al) -8uroa~cr jHinld Na~aJ ~~~) -Bosv~rar jProualxar-.) CertltlCate of Resirfptoe: U1Nb d~ Eby ~lbat tb~~ ~ ~~ ~41~°-rte; + a~8~ ar parsaa eadtbd to inoarest is ~ r~ 17 ~3 r ~.. ~: TWe: ~~ ._..D..~-._ (Adawwhdpnwnt on Fo~bwi+p Pseud ~~ bioi l~b„122489 __~_ hw~lNi M~tBieyla P~nQy-Fe~k MadF~edde 11fAe UI'QlO~t1M 11'!$iRUbtRNT ME)l.'I 6lodfk~ lhr~ ]Illell~t T~QO~ttAltatBoUrlCt.ING-- 1'~p UOr11 rglaMlN~~r.iw w.nawm. ~ ama~,1~.C~fwfa.at6a 81(I 9B9PG397~ Stttte of ~~ ¢ County of ~it/O~L,~., w.J § Qn ibis, the Z~RD day of ~pna ~ appasrod JOHN t3 2U5'Ei3LTiC 20ib~} , betvty roe .the umcloralgued off, persoaelty lotown to me (or satisfactorily proven) to be tba person(s) wboee uaaae(a) is/ato wbacribed to the within inainonaat, and sclmowledged that be/sLe/lhey ofwcutad the saws for the paepo®ea Werelu contained. Iu aitttess w>deipof, i heaeunin sat tx4Y hood aad off~ial real. S (seal) ~ctt ~L~~. L r, Tlds of t>ZEoa NOtARt~1L g~L JEANNlc M. ARNOlO, NOTARY pU8lIC 8outhempton 7M~R.. F~anklln county My Cosgnldeton t:xpUu Apr11 t2, eo0a k iNsdRfeAde Mies UNtlOAM ffr$iRUIHF.NT hI>at8 Maimed t?asi J+q! ~UMt Hoc l/ of l4 ~ ~« ~a~ ~•~~ BEt 19$9PG3979 F .______T ..___. _ ._ ALL that certain tract of real estate lying and being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at the corner of lands of Lot 14 and lot 15; thence along Lot 14, South 82 degrees 26 minutes 46 seconds West 735.10 feet is a concrete monument; thence slang the same, South 01 degree 38 minutes 56 seconds West 421.03 feet to a concrete monument at comer of lands of Lot IS and lands now or formerly of Lewin R. Pink and Tholma R Fink and Ralph L. Peffer and Roseann F. Feller, thence along said lands now or formerly of Fink and Peffer South $6 degrees OS minutes 49 seconds West 416,56 feet tq ap iron pin at comer of Lot l 5 seat lands now or fottnerly of Albert I.. Verdelcal, North I3 degzws 33 minutes 58 seconds West 591.98 fact to an existing iron pin at corner of lands of Lot 15 and land now or formerly of Richard L. Morrison; thence along said Morrison leads North 82 degrees 26 minutes 4b seconds East 1,276.68 feet to an existing ma$ nail at the corner of lands now yr farmcrly of Richard L. Morrison and 5tane House Read T-545; thence along Stono House Road. T-S45, South 08 degrees 32 minutes 29 seconds East 200.03 feet to a mag nail at the place of BEQITJNING. CONTAINING a total area of 10.16303 sores, snare or loss, as sat forth on subdivision plan prepared. for "South Fields", prepared by De:mis 1w Black 1?ngiticaring, Inc. dated September 6, 2006 and recorded in Plan Book 93, Page 90. BEING all of Lot 15. Tax Parcel Number: P/O 08-09-0523-003B Schedule "A" 8K 1989PG398O - ~--~ INTEREST ONLY AD,tU8YA8LE RAPE RIDfR IL180R - Re1e Caps) iARM duHaon Lot (,ott+tl Lean ~: .126122489 THtS AQJUSTABLE RATE RIPER is made this 23rd day of Apxil, 2007 , end is incorporated into and shall ba deemed to emend and supplement the Mortgage. Dead of Trust. or Security Daed Ithe "Security Insuument') of the same date glean by the underai0ned (the "borrower"} ~ asoure SorrovVer's Adjustable Rata Nota (the `Note') to iliID'YlQlfr 8A1r1;C. F.8. B. , A FS~iAIZ.Y CSAR'A~1 6AV.ZEIC~5 Bi1bR itfie "Lender") of the same date and covering the property described in the Security Instrument and located at: 160 3Z~0~ FflAD, CAALIf4,E, PA 17015 {Prapetty Addte9s] THI$ NOTic CONTAINS PROVI$IOIIIS ALLOWiNO FOR CHAHOE& IN THE INTEREST RATE AND THE MONTHLY PAYMteNT. T?fE BORROWER'S 11~ITEI~$T RATE IFtCREA$ES ARE LIMITEfl. ADDITIONAL GOYENANTS. In addition to the oovenenta end agreements made in the Security tnstrument, borrower and Lender further covenant and agree 8s follows: A. INTEREST RATE AND MONTHLY PAYMt2NT CHANi9~ The Note provides for changes In the interest rate and the montfily payments, as follows: ~. INtEaEST (rtterent will be charged on Unpaid principal until the lull amount of principal has been paid. I will pay interest at a yearly rata of 9.375 96. •fhe iMereet rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of thla Note is the rate t wlll pay both before and after any default described in Section 7(B) of this Note. 9. PAYMENTS tAl Tina and Ptsca of t~aymente 1 will make a payment every month. This payment will be for intetast Only. IndyfUlao Bank MULTISTATE INTEREST ONLY AWUSTABtF RAZE RIDPR il{80R ARIiAI • balloon lot Loan Papa t of 4 HGL 91810 848071810606} VMP Mortgage Solutions, Inc. 00188 8K1989P6398( I will make my monthly payments on the first day of each month beginning on .Tut69 1, 2007 . I w81 make my monthly payments every month unfit 1 have paid all of ffie principal and interest and any other charges described bebw that 1 may owe under this Note. My monthly payments will be applied to interest before principal. if on, ~ 1, 2012 I still owe amounts under this Note, I will pay those amounts in full on that data, which is called the "Maturity Oate." ) wll! make my monthly payments at Il~XIrQ~ ~C, F.S.B. P.Q. AQDC 78826, , AZ 85062-A1326 or at a different pieoa if required by the Note Holder. (1!) Amount of MonthFy Psystpnta My initial monthly payment will be in the amount of U.S, d 750.Q0 This amount may change. SCI MoMhhr Payment CI-artgea Changes in my monthly paymarrt wilt reflect changes ~ the unpaid principal of my loan and in the interest rate that I must pay. Tha Note Holder will determine my new Interest rate and the changed amount of my monthly payment in accordance with Secdon 4 of this Note. 4. INT'ERES7 RATE AND MONTHLY PAYMENT CHANGES IAI Change Dstes The interest rate I will pay may change on the first day of , 2pt17 , $nd on that day every 6itt monthtsl thereafter. Each dale on which my Interest rate could change is called a "Change Date." lB) The Index Beginning with the first Change Dais, my interest rate will be based oa an Index. 1'he "Index" is the average of Interbank offered rates for six-month U.S. dol)er•denaminated deposits in the London market l"LIBOR"), as published in a la/af1 oat Jggrnal. The most recant index figure availabl9 as of the first business day of rho month Immediately preceeding the month in which the Change Date occurs !s caned "Currant Index." If the Index {s no longer available, the Note Haldar will choose a now index that is based upon comparable information. The Note Holder will give me notice of this choice. taart No: 126.22489 HCL 97910 8480778 tU8D8) Page 2 of ~ 0!1108 BIB i 989PG~96Z (C1 Calculatlon of t~terigss 8efote each Change Date, the Nots Holder will calculate my new interest rate by adding t.~lt'0a atttl 756/10001rha percentage point(s) ( 3.750 96) to the Current Index. The Note Holder will than round the reauft of this addition to the nearest one-eighth of one percentage point (0.12696). Subject bo the Umita stated in Sacdon 4tD- below, this rcunded amount will be mY rtaw interest rate unb'I the next Change bats. The Note Holder wlli then determine the amount of the monthly payment that would be sufficient to repay the unpaid prinoipal that t am expected m owe at the Change Date in full on the 30 yeera from the derv of the Nate (the "Amortization Period') at my new interest rate in substantially equal peytnenta• The result of this calculation will be the new amount of my monthly payment. t acknowledge that this amount will not be sufiicisnt to repay my lean in lull on the Maturity Oats and that t may owe a significant amount to l~ndsr on the Maturity Date. {D) fUrrrite ort tnbroat Rata t;fianpes The interest rate i am required to pay at the first Change fate will not be greeter than 10.375 96 or less than 8.375 96. Theroaftdr, my adjustable inmreat rate will never ba increased or deoreesed on any 6ingie Change Data by mote than otc~ attri D1D/1000ths percentage point(s) t 1.000 i from the raga of interest l have bean paying for the preceding 6 month(s). My Interest rate will never be gteaWr than 15.375 %. which is called the "Maximum Rate." iEl Ef/ectEtre Date of Cttanaae My new interest rate will become effective on each Chenga Dete. I will pay the amount of my new monthly payment beglnninp on the first monthly payment date after the Change Data until the amount of my manthiy payment ohenges again. IF) Notlr~ of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice, I,csan t4~: 126122489 HCt 91810 8+180716 14806? Page 3 of 4 08!(18 ~ t 989PG3983 f BY 51GN1NG BELOW, borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider, N ~~-~t~+r'~/ (Seat1 N C -borrower -Borrower _ {Seel} -Borrower (Beall -Borrower _ lSsaD -Borrower {Seal? -Borrower (Seal) (Seal) -Borrower -Borrower Ir,~tt DIb: 1261x2989 HCL 91510 $480?18 (08081 Pegs 4 of 4 ~~ 8K ! gB9PG3984 BALL40N Rf[yER (To he attached to Dead of Trusti Loan ~: 126122489 THIS RIDER is made this Z3t:d day of Ap~ilr 2007 and is incorporated into and shall be deemed to amend and supplement the Mortgage, >Seed of T'tust or Dead to Secure Oebt (the "Security Instrument"i, of the same date given by the underaigtted (the 'Borrower") to secure 8orrawet's Nate to Il~IDi~91C i'~ltlK, F,S.B., A ILX 8AV'IIW~i BflrK (the 'Lander") of the same date and covering the property described in the Security Insvument and located at: 160 8'1'C~'liG[A~ I~.11tDr ~r PA ~7U15 PPoperty Address) ADCIITiQNAI COVENANT: !n addition to the covenants and agraement9 made In the Security lnsuument, eorroWar and Lender further covenant and agree es follows: A. Balloon Rider: Borrower acknowledges that the outstanding beianac under the loan must ba paid in one large or "baltaon" payment on the let day ai May, 2012 unless Bortowat defaults under the Security instrument or other loan document9 and Lender accelaretes ell amounts owed requiring earlier repayment. Bortawer acknowledges and agrees that Lender has net made any ropresentations W Borrower, either oral or written, that Lander will subordinate its lien cleated by this Security Inauument to any ether lien whioh the Property may hereafter bacorne aubjeat to, Including, without limitation, any lien arising tram Borrower's subsequent oonatruction of improvements on the Property, Borrower aciurowtedt{es and agrees that Lander is under no obpgatian to subordinate its lien created by this Security inatrumertt to any ilen created hereafter and Lender does not intend to subordinate its lien to any other lien which the Property may hereafter become Subject to. IrrdyM~c t3enk Con><trttatbn Lot Lacer prognam - t3e/aon adder Mttldsdtte Page 1 of 2 HCL 9~ 8480947 (08021 VMP Mott9age Solutions, Inc. 0 ~x t 4~~g9~~39ss i Ir k IN WITNESS WHEREOF, Borrower has executed this Balloon Aider and fully underatsnda the conditions thereof. Oata: ~~ ~~'a i L Z dry ,~.y-r,* ~ _ (Seal} -Borrower Loan No: 126122489 84909710802! ' Papa 2 of 2 Bit t 989PG3986 ~(Seaq -Borrower (Seat) -eonawer _tSeaq -Borrower _ (Beall -Borrower _ (Seely -Borrower tSaeil --Borrower (seal) -Borrower HCl 988 0?JOA Lor A~aEa (Ta be attached to Deed of Trust) Loan ~1: 126122489 THIS RIPER is made this 23x'd day of April 20t?7 and is incorporated Mto and shell brt deemed to amend and supplertant the Mortgage. Geed of Trust or Dead to Secure Debt tthe 'Seaurity Instrument"t, of the same date given by the undersfgnad (the "Borrower"- to secure Borrower`s Note to 2IimSDO~ ~, Ir'.S.B", g t>~atstr (~R~ 3AV12iG$ BfltBt (the "Lender"i of the same date and covering the property described in the Security Instrument and tacated at: 160 9i~ilt~ 1~11W, C,F1~I-T31~, PA 17015 (Property Addresal AOD(Tlt)NAL C~VENANi'1 to addition to the covenants and ag-eements made in the Security instrument, Bottower and Lender furtttat covenant and spree that Uniform Covenant 6 of the Security Instrument is deleted end is replaced by the following: 8. OaecrpancY and rise: Proaervadorr, Makrbnanae and Protection of the prvpettY. Borrower and Lender acknowledge that as of the date of this Security Instrument, the Property consists of unimproved fend, if Borrower makes, ar CauBes t0 be made, any improvements to the Property, shat the date hereof, Borrower shall occupy, 6arabUah, and use the Property as Borrower's principal residence within sixty days of completion of such improvements, unless Lender otherwise agrees in writing, Borrower shell keep the Property availabia far Borrower's exclusive use and enjaymant st all limas. Borrower ahaN sat destroy, damage or impetr the Property, allow the Property to deteriorate, or commit waste an the Property, Borrower shell not use, allow or suffer anY paR of the Property to be used a$ a facility for hondling, treatment, storage or disposal of hazardous waste. Burrower aitall satisfy in all material respects rite requirements of and rnelntain the Property (n aompHance with ail federal, stets and Moel vnvirontnentai protection or similar laws, ordinances, restrictions, licenses and regulations. Borrower shalt not request or in any way sealer another person or entity in a request to ahanpe the zoning of the Property from the Property`s zoning as of the date of this Security Instrument. Bottower shall be in default If any forfeiture action or proceeding, whether civil or criminal is begun that in 4ender's good faith judgment oould result In forfeiture of the Property or otherwise materially impair the lien steered by this Security instrument or Lender's security interest. 8arrower may cure such defaufc and reinstate, as provided in Paragraph 18, causing the action or preceding to be d)srniased with a ruling that. in Lender's good faith determination, precludes torfetture of the Borrower's interest in the MdY~ltac Bank Gontatrtw"dort t.rtt Loan Program -Lot Radar Multistate Page 1 of 2 1t!CL 989 5480141 1(3405) VMP Mortgage Solutions, Inc. (8001521-7291 a2/1}~i 8~ I~g89P63987 • " h Property or other material impairment of the lien created by thin $eoUrily Instrumem of Lender's secucity interest. Borrower shall also be in default if Borrower, during the loan application process, pave materiel{y false or Inaccurate information or statements io Lender (or faded to provide Lender with any malaria! Information) in connsation with the loan evidenced by the Kota, including, but not limited to, representations concerning Bonower's occupancy and use of the Pcoperry as an unimproved tot. (f this Security Inetrt,tment is on a leasehold, 8ortower shall comply with all the provisions of the lease. If Borrower acgnites fee tale to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing, IlV WlYNESS WHEREOF, Borrower has executed this Lot Rider and fully understands fife condldans thereof, flats- 7 ~ / i~IP~~ L ~r'D'j _~~ JET N ~E1L7VIC Doan iDio: },.6122489 HaL 989 8480141 tO4O5i Page 2 of 2 OZIO4 ,:; :~ ~y ;.tiffs to be recorded ~, ~:umberland County PA ..,. -~~ ~~ . ;... ~~ recorder of ]Deeds 8~ 1989F'~3988 IndyMac Mortgage Services a Division of One West Bank PO Box 9042 Temecula, CA 92 58 9-9042 Send Payments To: IndyMac Mortgage Services a Division of One West Bank PO Box 4045 Kalamazoo. MI 49003-4045 Send Correspondence To: IndyMac Mortgage Services a Division of One West Bank PO Box 4045 Kalamazoo, MI 49003-4045 PRESORT First lass Mail U.S. Postage and Fees Paid WSO 7113 8257 1473 7347 3513 ~~i~~~~~ii~~~inin~~~~i~~~ JOHN MUSHOVIC 160 STONEHOUSE RD CARLISLE, PA 17015 zoosi t oeaz xc~is ~~ _# f 159-v23 Home Loan Servidng 6900 Beartice Drive Kalamazoo, MI 49009 November 03, 2009 .TORN MUSHOVIC 160 STONEHOUSE RD CARLISLE, PA 17015 RE: Loan Number 1009781863 Legal Description of Property 160 STONEI-LOUSE ROAD CARLISLE, PA 17015 ACT 91 NOTICE Sent Via Certified Mail 7113 8257 1473 7347 3513 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the program works. To see if HEMAP can help, you must MEET VVTTH CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Aenc. The name, address and phone number of Consumer Credit Counseling Agencies servicing~+our county are listed at the end of this Notice. If you have anY questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call 1-717-780-1869). This Notice contains important legal information. if ,you have an_y questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. ~' ~~ LA NOTIFICAC[ON EN ADJUNTO ES DE SUMA IMPORTANC[A, PUES AFECTA SU DERECHO A CONTINU.AR V[V[ENDO EN SU CASA. SI NO COMPRENDE EL CONTENDIDU DE ESTA NOT[FICACION OBTENGA UNA TRADUCCION [NMED[ATAMENTE LLAMANDO ESTA AGENCLA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIlV CARGOS AL NUMERO MENC[ONADO ARRIBA. PUEDE SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERD[DA DEL DERECHO A REDIMIR SU HIPOTECA. 7113 8257 1473 7347 35L3 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGA(:F., ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BF,ING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSY[.VANIA HOUSING FINANCE AGENCY TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (Plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (331 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR M02TG.AGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- if you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the pronerty is located are set forth at the end of this Notice: It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR 1~10RTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency- YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HA VE A MEETING WITH A COUR'SELINC AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILF. AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERT); AS EXPLAINED ABO6~', IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". I'OU HA VE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION 6YILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified du~ectly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN A ', BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE [S FOR INFORMATION PURPOSES ONLY ANU SHOULD NOT BE CONSmERED AS AN ATTEMPT TO COLLECT THE DEBT. (Ifyou have tiled bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW `I'O CURE YOUR MORTGAGE llEFAUL"T (Brink it up to date) NATURE OF TEIE DEFAULT - T'he MORTGAGE debt held by IndyMac Mortgage Services, a Division of OneWest Bank on your property located at the above referenced address is in SERIOUS DEFAULT, because you have not made the monthly payments that follow: Next Payment Due Date: 09/01/2009 Current Monthly Payment: $540.00 Total Monthly Payments Due: $1,620.00 Late Charges: $81.00 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0.00 Corporate Advance Balance: $11.00 Partial Payment Balance: -$110.00 `TOTAL 1'OU MUST PAY TO CURE DEFAULT: $1,602.00 HOVV 'I'O CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICE-1 IS $1,602.00, PLUS ANl" Nlt )R`1 GAGI~ I'Al'NIENTS AND LATE CHARGES WH1CI-1 BECOME DUE DUELING THE 1'H]R`I'y` (i0) DAl" PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: ' IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 [I' YOU DO NUT CURE THE llEFAULT -- Ifyou do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) Days, the lender- also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the sheriff to pay off the mortgage debt. If the lender refers your case to its attomeys, but you cure the delinquency before the lender begins Legal proceedings against you, you will still be required to pay the reasonable attomeys fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attomeys fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the '~~~~ default within the "THIRTY (301 DAY period you will not be required to pay attorney's fees 7LL3 8257 L473 7347 3513 OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other- sums due under the mortgage. RIGHT' TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default ~vithirr the TI-i1RT1'(30) DAY period and foreclosure proceedings have begun, you still have the right to ewe the default and prevent the sale at anv time uu to one how before the Sheriffs Sale. You may do so by pang the total amount then past due, plus anv late or other charges then due, reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as speciFed in writinv by the lender and by performing anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore }'our mortgage to the same position as if you had never defaulted. EARLIEST' POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Ind}'Mac Mortgage Services, a Division of OneWest Bank 7700 West Partner Lane Austin, Texas 78729 Loan Resolution Department 1 (877) 908-4357 EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff's Sale will end yow ownership of the mortgaged property and yow right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. .4SSUM1'T[ON OF MORTGAGE -You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You will need to obtain expressed approval of the lender prior to any sale or transferor assumption of the mortgage debt. YOU MAY ALSO RAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITI1T10N TO PAY OFF THIS DEBT. • TO [IAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TU ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR AN1' OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSER"f ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION t1NDER THE FEDERAL BANKRUPTCY LAW. You may also contact aHUD-approved housing counseling agency toll-free at 1 (800) 569-4287 or TDD 1 (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CONSUMER CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSEL~iG AGENCIES LOCATED IN THE STATE OF PENNSYVANIA For certain loans that we service, we are required by Federal Law to inform borrowers that we are attempting to collect a debt and any information obtained will be used for that purpose. This cc~rnmunication does not imply that this is an attempt to collect money from anyone whose debt has been discharged pursuant to the bankruptcy laws of the United States; In such instances, it is intended solely for informational purposes. Para ciertos prestamos que mantenemos somos requeridos por la Ley Federal a informar a prestatarios que procuramos colectar una deuda y que cualquier informacion obtenida sera utilizada Para ese proposito. Si usted tiene cualquier pregunta con respecto a esta Carta, por favor communiquese con nosotros al numero 877-908-4357. Sincerely, IndyMac Mortgage Services, a Division of OneWest Bank [,oan Resolution 1'(~nsr l) Make yow- check payable to IndyMac Mortgage Services, a Division of OneWest Bank 2) Do not staple yow payment to your billing statement 3} Write your loan number on yow- check or money order 4) Do no include correspondence ~) Do not send Cash 6) Mail your payments to: IndyMac Mortgage Services, a Division ofOneWest Bank P.O. Box 78826 Phoenix, AL 85062-88026 CONSUMER CREDIT COUNSELING AGENCIES SERVING Y 71L3 8257 1473 7347 3513 IndyMac Mortgage Services PRESORT a Division of One West Bank First-Class Mail PO Box 9042 Temecula CA 92589-9042 U.S. Posta a and , Fees Paid WSO 2226994 705 send Payments To IndyMac Mortgage Services a Division of One West Bank PO Box 4045 Kalamazoo, fvtl 49003-4045 Send Correspondence To IndyMac Mortgage Services ~,u~~~~rr~n~r~r~ii~rn~~ur~~rr~~r~~rnur~~rr~~iur~~~~~n~ a Division of One West Bank PO Box 404 JOHN MUSHOVIC Kalamazoo, MI 49003-4045 31 W BIG SPRING AVE APT 1 NEWVILLE, PA 17241 zoost t oaaz xc~ta .~~ ~ .~ 1159-v23 Home Loan Servidng 6900 Beartice Drive Kalamazoo, MI 49009 November 03, 2009 ,TORN MUSHOVIC 31 W BIG SPRING AVE APT N'F.WVII.I:G PA 17241 [ZL;: Loan Number 10119781863 Leg;il Description of Property: 160 S"1'ONGHOUSL ROAD C'ARL,ISLE, PA 17015 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose Specrtrc rntormatron about the nature of the default is provided in the attached pages "The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. Tlris Notice explains how the program works To see if HEMAP can help, you must MEET WITH CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THG DATE OF THIS NOTICE. fake this Notice with you when you meet with the Counseling Agency. The name, address and uhone number of Consumer Credit Counseling Agencies servicin~yow county are listed at the end of this Not>.ce. If you have anv questions you may call the Pennsylvania Housirr>r Finance A ency toll free at 1-800-342-2397. (Persons with a,muaued hearme can call 1-717-780-1869) This Notice contains important legal information. [f you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOT[FICAC[ON EN ADJUNTO ES DE SUMA [A'IPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR V[V[ENDO EN SU CASA. SI NU CUMPRENDE EL CONTEND[DO DE ESTA NOT[FICACION OBTENGA UNA TRADUCCION INMED[ATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIlV CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERD[DA DEL DERECHO A RED[MIR SU HIPOTECA. ;: i ~t4..~(~yr. 2226994705 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY W[TH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"}, YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • [F YOUR DEFAULT' HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONT'KO L, • IF YOU IL4VE A REASON.4Bh[; PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND [F' YOU MEET' OTHE12 F,LIG[B[L[TY REQUIREMENTS ESTABLISHED BY "THE PENNSYLVANIA HOUSING FINANCE AGENCY TEMPORARY S"TAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on yow mortgage for thirty (30) days from the date of this Notice (Plus three (3) days for mailing). Dwing that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICF_ CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGF, UP TO DATF,. CONSUMEK CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30} days after the date of this meeting. The names. addresses and telephone numbers of desi~ated consumer credit counseling agencies for the county in which the urouerty is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of yow intentions. APPLICATION FOR MORTGAGE ASS[ST'ANCE -- Yow mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of yow default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosw-e action, your application MUST he forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION .9S SOON AS POSSIBLE. IF YOU H.9 VE A MEETING fd7TH A COUNSELING .9 GENCY 6i7TIlIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE .9,'V APPLICATION WITH PHFA ~l7THIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FR0141 STARTING A FORECLOSURE AGAINST POUR PROPERTY, AS EXPL9INED ,9BOVE, I,'V THE SECTION CALLED "TEMPORARY STAI' OF FORECLOSURE ". YOU HA VE THE RIGHT TO FILE A HEMAP .9PPLIC.9 TION EVEN BEYOND THESE TIME PERIODS. .9 LATE APPLICATION WILL. NOT PREVF,NT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE 6I'ILL BE STOPPED. AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbwsed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives yow application. Dwing that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: [F YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN A BANKRUP'T'CY, THE FOLLOWING PART OF THIS N07'[CE [S FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT "TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW "1'O CURE YOUR MORTGAGE llEFAULT (Brine it up to date) NATURE OF THE DEFAULT - 1'he MORTGAGE debt held by IndyMac Mortgage Services, a Division of One West Bank on your property located at the above referenced address is in SERIOUS DEFAULT, because you have not made the monthly payments that follow: Next Payment Due Date: 09/01!2009 Cun-ent Monthly Payment: $540.00 Total Monthly Payments Due: $1,620.00 Late Charges: $81.00 Other Charges: Uncollected NSF Fees: $0.00 Other Fees: $0.00 Curporate Advance Balance: $11.00 Partial Payment Balance: -$110.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $1,602.00 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30} DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO 'TEIE LENDER, WHICH IS $1,602.00, PLUS ANY rv10R"I'GAGE PAl'MEN hS AND LA"fE CHARGES WH1Cif BECOME DUE DUKING 'THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check certified check or money order made payable and sent to: IndyMac Mortgage Services, a Division of OneWest Bank P.U. Box 78826 Phoenix, AZ 85062-88026 IF YOU DO N0T CURE T'HE DEFAULT -- If you do not cure the default within THIRTY (30} DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entu-e outstanding balance oY this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTI' (30) Days, the lender also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property. IF THE MORTGAGE [S FORECLOSED UPON -- The mortgaged property will be sold by the sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cwe the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. [f you cure the C~•"~~y` default within the THIRTY (30) DAY period you will not be required to pay attorney's fees 2226994705 OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT 1'O CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY(30) DA1' period and foreclosure proceedings have begun, you still have the riE+ht to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale You may do so by pa ing the total amount then east due. plus anv late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writing by the lender and by perforrrung any other requirements under the mort age Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DA"TE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOR' 7'O CONTACT 'l'NE LENDER: lndyMac Mortgage Services, a Division of OneWest Bank 7700 West Parmer Lane Austin, Texas 78729 Loan Resolution Department I (877) 908-4357 EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongll~gs could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You will need to obtain expressed approval of the lender prior to any sale or transferor assumption of the mortgage debt. YOU MAY ALSO HAVE TI[E RIGHT: • TO SELL, THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHF_R LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANl' THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED. IF YOU CURE THE DEFAULT. (HOWEVER, 1'OU DO NOT HAVE 'I'RIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED LrNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE l'Ot? BELIEVE YOU MAY HAVE TO SUCH ACT10N BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAVV. M ti 1'ou may also contact aHUD-approved housing counseling agency toll-free at 1 (800) 569-4287 or TDD 1 (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CONSUMER CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELIlVG AGENCIES LOCATED IN THE STATE OF PENNSYV ANIA For certain loans that we service, we are required by Federal Law to inform borrowers that we are attempting to collect a debt and any information obtained will be used for that purpose. This communication does not imply that this is an attempt to collect money fi-om anyone whose debt has been discharged pursuant to the bankruptcy laws of the United States; In such instances, it is intended solely for informational purposes. Para cieitos prestamos que mantenemos somos requeridos por la Ley Federal a informar a prestatarios que procuramos colectar una deuda y que cualquier informacion obtenida sera utilizada Para ese proposito. Si usted time cualquier pregunta con respecto a esta Carta, por favor communiquese con nosotros al nurnero 877-908-4357. Sincerely, IndyMac Mortgage Services, a Division of OneWest Bank Loan Resolution Please 1) Make your check payable to IndyMac Mortgage Services, a Division of UneWest Bank 2) Do not staple your payment to your billing statement 3) Write your loan number on your check or money order 4) Do no include correspondence 5) Do not send Cash 6) Mail your payments to: IndyMac Mortgage Services, a Division of OneWest Bank P.O. Box 78826 Phoenix, AZ 85062-88026 CONSUMER CREDIT COUNSELING AGENCIES SERVING ~t 2226994705 OneWest Bank, FSB v. John N. Mushovic VERIFICATION The undersigned is Assistant Vice President of OneWest Bank, FSB and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation, hereby verifies that the facts set forth in the foregoing Amended Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. OneWest Bank, FSB Name: Chamag;~e Williarr~s Title: Assistant Vice Presidec-t Company: dW~ uJeST ~kN~ , 10-037039 ' r i • SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DENARDO, ESQUIlZE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF VS. Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased DEFENDANT COURT OF COMMON PLEAS CNIL DIVISION CUMBERLAND COUNTY NO: 10-843 PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: (^1 i) ~~, , ~= ; T-~ -- - ~::, +': ; N O c~ C:.. r--- w -o ~, Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff it i ;, :~ .~ r ,, t-~~ • SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DENARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-037039 OneWest Bank, FSB PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY VS. Meghan M. Ginoir, Co-Executor of the Estate of John N. Mushovic, deceased DEFENDANT NO: 10-843 CERTIFICATE OF SERVICE I hereby certify that I have served a true and correct copy of the Praecipe to Settle, Discontinue and End on ___~~ to all parties named herein at their last known address or upon their attorney of record as below listed by regular mail, postage prepaid: Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased 8027 Gnatstown Road Hanover, PA 17331 SHAPIRO & DeNARDO, LLC BY: -- Christopher A. DeNardo, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~g~,~,tr at ~u~brr~,~~,~ ~ ~ _~rP- 4F#'ICE G~ 7~,E $t`ERIFF ~,~# Jody S Smith Chief Deputy Richard W Stewart Solicitor Qn~t ~ •. as ~r _` '~~` Onewest Bank FSB vs. John N. Mushovic (et al.) Case Number 2010-843 SHERIFF'S RETURN OF SERVICE 07/15/2010 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of York County, PA to serve the within Complaint In Mortgage Foreclosure according to law. 07/20/2010 11:12 AM -York County Return: And now July 20, 2010 at 1112 hours I, Richard P. Keuerleber, Sheriff of York County, Pennsylvania, do herby certify and return that I served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Meghan M. Girroir, Co-Executor of the Estate of John N. Mushovic, deceased by making known unto herself personally, at 8027 Gnatstown Road, Hanover, PA 17331 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.00 August 03, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teleosoft. Inc. SHERIFF'S OFFICE'~F YORK COUNTY Richard P Keuerleber PETER J. MANGAN, ESQ. Sheriff Solicitor Reuben B Zeager Richard E Rice, II Chief Deputy, Operations Chief Deputy, Administration ONEWEST BANK FSB Case Number vs. MEGHAN M. GIRROIR, CO-EXECUTOR OF THE ESTATE OF JOHN N. MUSHOVIC, 10-843 DECEASED (et al.) SHERIFF'S RETURN OF SERVICE 07/20/2010 11:12 AM -DEPUTY STEVEN DIEHL, BEING DULY SWORN ACCORDING TO LAW, SERVED THE REQUESTED COMPLAINT IN CIVIL ACTION (CICA) BY "PERSONALLY" HANDING A TRUE COPY TO A PERSON REPRESENTING THEMSELVES TO BE THE DEFENDANT, TO WIT: MEGHAN M. GIRROIR AT 8027 GNATSTOWN ROAD, HANOVER, PA 17331. ~,~ S VEN DIEHL, DEPUTY SHERIFF COST: $38.00 July 29, 2010 NOTARY SO ANSWERS, CHIEF RE ZEAGER, AS ACTING SHERIFF RICHARD P K ERLE ,SHERIFF Affirmed and subscribed to before me this CCMMCNWEA6TN CF ~fNN®Y6VANIA / NOTARIp~G SEAL day of ~` U6A L. THQgPE, NQTA~9Y ~U!IlLIQ CITY OF YpRK~ Y®~4K CCUNTY (:;)..u ur5uu ~r;,.~... _-.c, n, anc. MY COMMISSION EXpIREB,AU~, 1 "d, 7013