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HomeMy WebLinkAbout10-7118MIL,STEAD & ASSOCIATES, LLC BY: Jill Manuel-Coughlin, Esquire 1~ No. 63252 Woodland Falls Corporate Park 220 :Lake Drive. East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Attoirney for Plaintiff File: FT.00314 Wells Fargo Bank, N.A. P.(~. Box 5137 Des lVIoines, IA 50306, Plaintiff, v. Andrew. J. Sornma And Deborah A. Somma And Sovereign Bank Defendant I , ~ ~ .,, _..., ~.,, ~~ t "_ ... COURT. OF COMMON PLEAS CUMBERLAND COUNTY Complaint in Civil Action --Quiet Title NOTICE TO PLEAD 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 (2.0) days after this complaint and notice are served, by entering a writtE'n appearance personally or by attorney and filing in writing with the Courtyour 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 odor any other claim: or relief requested by the plaintiff. You may lose. inoney or property or other rights important to you. YOU ;SHOULD TAKE THIS PAPER TO YOUR LAWYER A ONCE. IF YOU ll0 NOT HAVE A LAW~rER, GO TO ORTELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH'INFORMAT]`ON ABOUT HIlZING A LAW`i'ER. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 Date: November 2, 2010 Jill Esquire {0043310fi} AttornE~y for Plaintiff MILSTEAD & ASSOCIATES, LLC 220 Lake: Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 ~,a~ ~A~~ ~~ 6,-°ti~ ,~ a~t~'~ 'QM~' MILSTEAD & ASSOCIATES, L,LC B~': Jill Manuel-Coughlin, Esquire ID hTo. 63252 Woodland Falls Corporate Park 220 :Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 Atl:orney for Plaintiff File: FT.00314 Wells Fargo Banli, N.A. P.O. Box 5137 Des Moines, IA 50306, Plaintiff, v. Andrew J: Somma And Debo~~ah A. Somma And Sovereign Bank COURT OF COMMON PLEAS CUMBERLAND COUNTY I Complaint in Civil Action -Quiet Title Defendant COMPLAINT IN CIVIL ACTION -QUIET TITLE AND NOW comes the Plaintiff, Wells Fargo Bank, N.A., thereto, a corporation by and through its. attorneys, Milstead and Associates, LLC, and files the following Complaint in Civil Action -Quiet Title, and in suppon~ thereof avers as follows: 1. This Action to Quiet Title is brought by the Plaintiff, Wells Fargo Bank, N.A., pursuant to Pa.R.C.I'. No. 1061(b)(3) to record certain documents executed between Plaintiff and Defendant; and pursuant to Pa.R.C.~P. No. 1061(b)(2) to determine lien priority regardingxeal property located at 125 Long View, Carlisle, PA 170.13, (the "Property"). 2. The Plaintiff, Wells Fargo Bank, N.A. (hereinafter the "Plaintiffl'), is a corporation registered to conduct', business in the Commonwealth of Pennsylvania, having a principal address of P.O: Box 5137, Des Moines, IA 50306-5137. 3. Defendants, Andrew J. Somma and Deborah A. Sornma (the "Defendants"), upon information and belief, are adult individuals who reside at 125 Long View, Carlisle, PA 17013. 4. Defendant, Sovereign Bank is hereby joined in this action due to a mortgage dated February 27, 2009 given by Andrew J. Somma and Deborah A. Somma to .Sovereign Bank i.n'the amount of $24,000.00. Said Mortgage was recorded in the Office of the Cumberland County Recorder of Deeds; on March 11, 2009 as Instrument. Number 200907091. A 1:rue and correct copy of the Mortgage is attached hereto, made a part hereof, and is marked as Exhibit "A". 5. On December 30, 2009, Sovereign Bank entered into a Subordination Agreement with Wells Fargo Bank providing Wells Fargo Bank, lien priority as to the property known as 125 Long View, Carlisle, PA 1701.3. A true and correct copy of the Subordination Agreement is attached hereto and made a part hereof as Exhibit "B". 6. The Praperty subject of this. Action is known as Parcel No. 29-06-0019-078, in the Township of Carlisle, County of Cumberland, Commonwealth of Pennsylvania, municipally knov~r~ as 125 Long View, Carlisle, PA 17013. 7. By virtue of a deed dated November 18, 2004 (hereinafter the "Deed"), title to the Property was vested inAndrew J. Somma and Deborah A. Somma, Husband And Wife. The Deed was recorded in the Cumberland County Clerk's Office on November 29, 2004, in Book 266, Page 2220. A true and correct copy of the Deed is attached hereto, made a part hereof, aiad is markked as Exhibit. "C". 8. On or abqut December 23, 2009, in consideration of a loan in the principal amount of $207,500.00, the Defendants execul:ed and delivered to Wells Fargo Bank, N.A. a note (the: "Note"), the purpose of which was to secure the Note. 9. To secure the obligations under the Note, the Defendants executed and delivered to the Plaintiff a mortgage (the "Mortgage"), dated December 23, 2009, and describing with particularity the Property set forth in Paragraph 4 of this Complaint. A true and correct copy of the Mortgage is attached hereto, rnade a part hereof, and is marked as Exhibit "D". 10. The funds evidenced by the Note and Mortgage are commensurate to the value of an undivided exclusive interest in the Property. 11. At all times material and relevant hereto, Plaintiff and Defendants intended that the Mortgage encumber the Properly, exclusively and without division, with a lien of the first priority, .from and after December 23, 2009, as an instrument securing the loan given to the Defendant, pursuagit to the Note. 12. As the result of a scrivener's error, the Mortgage was not recorded as intended in the Cumberland County Clerk's Office. 13. Upon discovery of the mortgage remaining unrecorded, Plaintiff caused a Demand Letter (the "Demand Letter") to be sent via regular and certified mail to Defendant, Andrew Somtna omApril 20 2010, requesting cooperation in re-executirng and recording he mortgage. Said letter is attached hereto, made a part hereof, and is marked as Exhibit "E". 14. No response. to said letter has been received by the Plaintiff as of the date of this Comp aint. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an order, with re;sped to the real property known as 125 Long View, Carlisle, PA 17013: a. Declaring that Plaintiff has a valid Mortgage encumbering the interests. of Andrew J. Sornma acid Deborah A. Somma, husband and wife in the Property and that the terms and conditions of said Mortgage are as stated in the Mortgage attached hereto as Exhibit "D". b. Directing that the copy of the Mortgage attached. hereto as Exhibit "D" and this Judgment be recorded in the Cumberland County. Clerk's Office, in the. appropriate book, and that Plaintiff's mortgage be afforded first priority nunc pro tune, and further directing that a notation be entered in the appropriate .mortgage index. to reflect the existence of the Mortgage as affecting the interest of Andrew J. Somma and Deborah A. Somma, husband and wife in the Property. c. Directing that a copy of the Subordination Agreement attached hereto as Exhibit "B" and this Judgrrlent, be recorded in the Cumberland. County Clerk's Office,. in the appropriate book nunc pro tune and further directing that a notation be entered in the. appropriate index to reflect the existence of the Subordination-Agreement as affecting the interest of Andrew J. Somma and Deborah A. Somma;husband and wife in the Property; so that it is prior to the mortgage lien held by Soveregxi Bank as stated in the Subordination Agreement. d. Granting Plaintiff such other relief as the Court. may deem just and proper. AND A~SOCIA Dated: November 3, 2010 Jill. Plaintiff VERIFICATION I, dill Manuel-Coughlin, hereby certify that I am an Attorney for the Plaintiff and am authorized to :make this verification on the Plaintiff s behalf. I verify that the facts and statements set forth in th~~ forgoing Complaint in Civia Action -Quiet Title are true and correct to the best of my knowledge; information and belief This verification is made subject to the penalties of 18 Pa.C,S. § 4904, relating to unsworn falsification to authorities. C~.~(I~,~a;~~o l-~.~.~~~ Nae: Ji11 Manuel-Coughlin, Es ire Tit Attorney ~u~-1la-2Q1~1 1~:07pm Fr4m- i'rcpiutii Sy: Sovereign Bank 490 Penn Strset ligding, PA 19802 R77-3q1-F3(t5 Rarurnrv: j~~~~1~~ Rt:eard and Return Tv' Flsaty Lending S~futiDns P.r}. 80X 269b SOhIhtH, pwDRE1i' d ChiCb~D, IL 60630 PARCEL ~~: r~ ~ t7 Z ! ~ ~ '7`r~' T-6813 P.6p31{111 f-T44 V~~~B~ PENM1ISYLVANtA HOME E~RJiTY LINE dF CREDIT tIPEN-EN[I MDRTGA~E {securing 1=utur& Advart~~s) TH[5 MDRTCrAGt: is madt FIiBRUARY 27, 2009. Tl1v mortgagor is:tiVl~Rc' 1V 1 SCMMA sad DIBORAFI A SOMMA. T'hie tv{artgsge is givrn to SOVRREIGIJ SANK, whose address is 450 Fenn Store; Rending, PA 19E,02 {"1,Gndcr"}. In this Mvngago, Fhti rorms'yau," "your," and "yaars" refer to rtes mortgagor(s). 'rho cants "wc," "us" aed "our" rafcrta the I.an¢er. F'rusu~nt to a FtmncEquity Linc of Cre¢itAgnernient dated the same date as this Mortl;ef;a ("Agreement"), you may rs,cur maximum nnpatd loan indchrcdncsa (Cxclp}ivy oCintcrcat [hcrcor} in arnauats fluctvnting trout rime to time up un the maximum ptincipa! sutra out3taatliag at any limo vfTtvenry-Four Thousand ntld nv/700 ~vl lots (U.3.3 20,004.00}. The Agram=rte provides Earn final schedtifc¢ installment duc and Iiayahla not later than OllZiRtJ34, Yau. agree that lhis Mortgage shall canGnue t~ ascots alt sums now ~+r hereafter advanced under rtes terms of flit pgre~mcot mclnding, withatit lirrdrativn, such sums thus one a¢veryccd by ub whether or nos at rtes tlurc tllt sujos art udvaaCc¢ there is any principttl Srrln 4vt.9tanding under the Agreement, The parties herafn intend that thi3 Mortgage shall secure unpaid balances, future advances and all other rtmvunrs duc ro us hercundrx and under the Agreement This Mort~nagc secures tv us; (a} she repayment of the debt e~+idcnced by the Agreement, including future advances, with' intcres; and alt refinancings, rGnCwalg,>~xrenaions and matiifteariorsa of dse Agtecmeut; (b} t}ia payrnrnrofall odict sums, with intcreit, advsrtecd under this MarigCgc TO protect the security of Ihig Mortgage; and {;:}the pcrformancc of yavr covfitalzta and agreements tender tisis Morgage and the Age=smear Fvrthis ptapeac mtl is caru;9denrtian of 4114 ¢cb4 you dv ]tercby mvrigagt, grant end convey m us and our suceesstirs Aad assigns the i'aliowiing ¢eSaiUad property located in CtJM13ERLAND, County, Pennaylvanin: PTiUPIItTY TIESGRIPTIi)N T'inu ca'min piece oc parcel of Ian~I, And tJsa huildings and imprvvcmenta tlterevn: in rile Tawn aF CARLiSLf 1l}[QC.1~ tom) F+~` dp,s}.t ~ ~ pn :~-~r County of CUMDEn.Lr+.'dD [md Slate oi: pLtdN~YLVAIVIA and l5ein • mortis patrieuierly described in a ¢oed recvlded in f#aak:s7 Page, ~~ ~ -~. ~} of C[]MB>=BLAND County, pity ttFCRIILrSLE which rrnperty is more cvmtlt5dl}' kiottm ns IZ5 LdNG VW , CARLISI.L, PA 17013 ("Property Address"}; TOGETIJEJt 1XrITH alt the imptavemettts nova or hereafter steered an the property, and all rrsscmctrts, appurtennacas, and fixtures now yr hercaRcr a pert of rtes prop0tly, All replacements sad additions yhall .also lx cvvercrt by dtis Mortgage. Allot the fptcgoing is referred u+ in this Mnrtgnge as Eaa "Property." YOtJ Ct]'VTNAPIT shot you rare lawfully sciud vi dye saran: hereby co,zvrycd and hpvc dte right SG mortgtt;;c, grans and convey the I'roparty end dwt the Prnperry is unencumhcccd, except turenduruhrances of record. You wammt and wiltdtfentl genrntlly rtes titre to rtes Property nguinse u11 efnlmz and dcm^ads, sabja~r ro any eneumprances or recnru. YOU Al"~P wf cavrnant and agree as fallaws: 1. Payment of iYindpal, interr:si ahti Clther Charges, Yvu shall pay when dot the principaB of and intcrCS owing undo the Agrcezttcm anden other chflrixa.R duo hcrcundcr and duc under r}re Agreement ~ ApplJcatton nF Payments. Unless applicahle taw provides vdtctwisc, a[t payments received by us under the Atz~r+tnenCaisd Scciiesl ] sha11 ho applic~tl by us its eery order we choose. 3. Prior Mortgagct-, Cltargea; LJens. Yyu steal! perform alt of your abligarions under any znorxgagc, dead of resat ar other security indtivmonts with a lirn which has pr{~Riy aver this Mortgage, including your cavcnanrs u, make psymcnts whorl ¢nc, You Shan pay all taxes, assessmcmts, charges, (arcs and itrtpo4isians attrihur=tblo to the Property which Rzny armin priority aver dtis Martgagk sad ]eacehvld payments ar ground tents, if aay_ Upon our. reaucs, you shall pmmptlyfurrl5h to ur. all nvdccs of atnouncs to be paiaunder thin paragraph smd rcccigta evidencing smy such payaenk; yea make directly. Yau shalt promptly discharge ru~y lice. (alher than a lien diaclasod ro us tti your npplit:atiPn yr in any till= repOr[ wG ghtai8ed) which has priority oval [his Mortgage, 32AmdF(n:v t}tvaa) T0853 3110/2a1I) 11:25;06.4M OUM6~aLAND Ct~UNTY InsL# 2116907091 - f~ag~ 1 of Aug-14-201p 12:~~pm Frnm- T-~98 P.Op4/~11 30. Waivers. Yav,. to dta e:ttegt pat7stirted by applica6Ea )aw, w>iivc and, release any error or dcfccra in proceeding to enforce this Mortgage, nod hereby waive the berte5t of any present yr future lows providing far nary of exetution, extension of tithe, cxemgdon from attachment, levy and sale, and hamestaad cxomptivn. No waiver by uv at aaq tithe of anyurm, pNVision ar cttvenont contained in thin Mortgage ar in the Agreement secured SereFiy shall be deemed m be yr construed as n rvaivcr of my other term, provision m anveoant ar of the samo term, pmvivivn yr tovennn[ at nrq~ other timer Si, Rclaatatomt:nt PoAad. Your rime to reinstate provided in Section 16 stwl! extend tv ono hour poor rv d,c comm~a~amcnr of kridding at n shetitl's snEc or inhcr sale pussucnt ut thig Morigngt 22. 1ptCYe3t }fate A3rer dod~men4 you gllrLC that the inrtrcsr rats payable aRcr a judgment is entered on the Agrtement or in an acrinn of tpvrkgnge fv{~atiosttte shaA lx t1•.a rnra payable fmm time tv time uodor tht Agrecrnan[. :3. >;tidar9 to tEfls r4lartgttge. ITone or rY,am riders ate rxecuted by you and cxardesl together with this N(ort8nge, the coyanarts apd ngrecments of Bach sack rider stroll be intorpuraled taro and shat! amend aad 3upalemcnt sht caVenantx sAd n~teemerus trf this Mortgage a5 itthc tidcKs) were puR of dtis Mortgage. Candarywrium Rider ^ l-Q Family Rider ©Flatmed Unit Dcvettpment Rider Q ~hcr(s} [sprxify] Bl' 5TGtvZh1G BELOW, you acrrpt and a~rcc to the terms aed evvenants conraincrl in this Ildortgnge and m any ridcr(s} executed ky you and rccvoded with it a~ eS~t..~[_S lS„~.c.~~ 4 5T.4TE OF ~'"! t II ~g trD[1NTY bF ~~-fr L L~n.ij~- ,~ '~J YvY ANDREW J SOMMA f r EBC?1tAlt A Sl'}I~iA f5F14L~ f5'BAL} . ,On FEBRiTARY 27, 2pOQ, before me ~,.t~, t~ C ~"R-~ the nndn3igoed officer, perarimiy appeared AFTDRLW 7 54MI+dA and I}EBURkH A SOMMA lrnorvn tts the {or sadsfaatnnZy provco) to be she person(s) whose tintrefs} istarc subxn'bcd W the withininstmmcnt, and ackmwledgal drat Fie'ahelthcy execotcd rho ssdtc for the putpaQes drerein aontained. In wimca3 WEaet'~wf I ltereuaty sd my hand and official sent ~7~.-(SEAi.} COMM4N4YEAt.7H ~F AENlVSYt,VItNfA 1+Iatnc ~, tS C ~CF+-at'~ Noar,iy ~a1 Title of officer, ~; C~Oatrlr.~~ e~woG~echsr. NvrvY i~fc My~n ~~~KiCauNy My cvmmi35irrn expires: ~ ~O f c'~ MGmnyr,p ~xma4oc.d,~pt0. brtnxyFrgnla Rmsn~falldnot Nola~4i CE12TlFICATE OF'RFCIISENCE OF M177~'l`r+AGEE I da hereby ae{[j fy that the prct:ise nr;dtess and priecipal place 4f busincsa of the within named imtigtgec is 4So Peen Street, Reading, PA 19b02 ~OVE~ANI€ ~r. tyrama: ~t.ic1`? Titlo: . ~'A ~ ~ or Clark: ;liter rccarding,gleaxe retvrti ta: 5avrsrelgn San14 Mail SrPp 10-F21-CP2, 45U Ptna Street, RdASllag, PA 19602 3^_Amd(r~evA516s} !f ~'•h 7 i r!'1 70853 ~-T44 '1072(110 1 j:25:D6 A.Evt CUMl3ERI.Aht~ COUNTY Insk~ pDd947b91 -Page 4 of 5 Aug-10-ZL~t~ 12:0$pm From- ROBERT F. ZIECI.,ER ~, CCI~DER CAF DEEll5 CUIVIBERLANI;i COUNTY 1 C~?IJRTHUIISE S~U~.~E Cr~RY,I5LE,1="A 17013 71~,z~a-t;~7o Invtrument Number ~ 2i70907097f Recarderf Cyn 3/11/2009 At 11:49:35 Ai1g * Cnstrument Typo - lvjdET~A,GE Invnice Numbcr - 3$851 Ustr ID ~ It'1~+ "Mortgagor - St?MMA, ANJa1+t~~~V ,1 "Mortgagee - ~pVEREICN BANK * Customer ~ FISERV LENDING S~LUTI{7MS * 5'EES STATE WRIT TAX $0.5D ST3~T$ .SAS/A~CCES$ TO $10.06 JUSTICE ~tECaanxNG DES - °11.50 RECt?I~~1x t~F' AF.~lbS PARCEL CERTSFICATxQ~ $10.80 F~~s AFFQl±`[YAHLE Ht)IJ9ING $11.50 CGt7NTY ARCH2vES FEE ~Y.40 RQn AFtt:HIVE3 FEE $3. AO TOTAL'P.R3D $48.50 * TntaT pages - 5 T-6$8 P.~p51~11 F-744 ~'~Yt1f1C3fiU1] pA~Q rlQ 1'+iOT DETA,~ki ~'itis ps~ge is aow pert ~f this legA! ~3nct>:m~nt. I Certify this to Gtr recorded in Ct~~Ib~rland CaUnty T'A ~ CU O ~ ~~/ ~ ti tZ.~C41kn&R t] ~ EI't.S' Y~pn - Infnrrnntian dcauleu ny an oateriak muy change during ~e vari~rntion procc~s and may amtba reliecacd o-n lhia pa};e. oa~tiQX 111111IIIIIIIIIIIllll1111111 10t20t D S 1.25.06 A,M CUMBE:RLANb COUNTY Inst. 20x907091 - T'age 5 4f 6 Aus°16-21?1(i 12:pSpm Frcm- ~ i~ ~ t~~1VIMC~1~"JrA~.TT~ C~~ pEl'~3.VS'Y'>:.VANYA ~~C}UI~IT~'' ~F CT.~MI~ERLA~TD T-888 P.~06I011 F-744 I3eIt Remembered that on N'4ven~la~r 1`+~, X044 before me the suhscrc~er personally aggeare~l T~ebnr~li~. Reese known to me (or satisfactorily pmveu) to be the person urhose name is subscribed to the within deed and. acknawlezlg~i that she ~exeouted the same far the purgt~ses t;her~in ~antained. ~ViTI~1E5S my hand and seal the ~iay and year afc~re$aitll Notary public 1 Y~~M i~4- ~F~i, V~CK1E R. WEI.f~(ER, Notary F'u611c Camp Nlll eara_; Cumberland Cdurity My Cammis5io~ FJtpires March ~, 207 ,r.. +#; Vr r i.J q` } 4 "~r 8Df1k' ~~il~j PACti~`~~i ~' ~ ~~ ~~! .f tf'r','r,,,'. :Y' t. 1~:H~ ~~ 11 Df2614 11;26:56 aM CUMBERLAND COUNTY Insk.~# 2r1D~47895 -Page 4 of 5 Aug-1D-2p1D 1~:D8pm From.- ' ~ ~omrr~on~~e~Ifh t~f Pennsylvania, Coux~t~r of ~B~ It R~m~rrrber~d, t~~~r p~ personally appeared tivha acknowter~ged self to be the }~s.• 6efare me the subsertber of ~ ~orparatidn, and that being aurhori~ed to do so crs such carpvrat~ a~cler e~ec~ted the „~aregaing instrtamen~t, for the pur,~+oses therein ctxnt~iirietl crre lrehtrjf'of the corporation . Witness my hand and seal! the day and year ufore,~rrid. Kevin A:, ~~~~~ and Deborah . Reese TOf Andrew x, Summa and Deborah. ,~. Somma MII! 1 Y I ~ert~fy ~ to ~~ ~'ect~rded C~zr~~~land 'aunty p~ ~~~~ ~~ . . .~ecord~r o~~eer~s ~'he rTndersigned eertr"fees that the precise residcrtce a complete post office address crfthe Grantee is: c~li$1~, ~~. i~oz~ ~~ax Fib ~c~~~~ T-~$~ R.OD71d11 F-744 B/~t71247~ 1r.~~:~s ann cu~n~~~~a,rva cauNrv Inst. ~Ot7k47$$5 -Page 5 of 5 ~~ COtI'~°90-.tW9} WdB~~+~ 6DOZ,{:. /Zt 3.~ros~r;cua~ wssu xr: as s,ra,.x ~'rcpsted By. Sb,r~ttig,l Bank l Savcteiga'~V'zty ~stPtovldtxtGc,12T 4$9]5 877-3916363 Rciz,ma'l['o; $o~vereign Ba~€c AT'i-N: i~ocunent Pracessit~/ Rcvicw ~Sf3 Penn Avenue Rearing, pA,19$02 1~ Stop:10-421-Gr2 LtPI ~ s~t3lu~irr,~rz~1~ ~t~x~~rr VY.H,A~, tyV~,S ~'Ai~t10 SANS; hT A, zS.~,,t7,A. ltag its principal place of business at Ohl'E HOME CAMFUa , T?~S MQ]NES, IA 5032$ has agreed to loan ANDREW J 80M~I,~, and DE:BaRAH A. SC?MMA Two Hundred Seven Thousand Five Hundred and. no/loo Dollars ($20?,504.40) to be secured by ~ir~-t moztgag~ ~avczing the pzerz~ses tcrxo~wx,. as X25 L~l~~ "VIEt?U'; CA1tT..TSLE, pA.17013. ~.1tEAS, 5C1'YER~GS~f ~,A,d~K, a federal sayings bad havinga p~ place a~' business in Wyornissix~g, ~'~syivaoai$, is the holder o~ a znbrtgage coveting the said gcemiss~ at 125 TANG `VI~'4~', t^A.1tT.T5LE, kA X7013 dated 2127l2t}p4 securing the original principal sum of ~~ty-Pour'I~zousand and aallOC! I~oIIsrs (57.4:x300.00) recorded with CC~UNI'Y' ~'tY Registry of Ueeds in Xlor~~u~nt # 20(1907091 Page # (the "Savarcigr Mo~age"~- V~S, WELLS Ft~1tG0 B~itC, S~„~1„ 13A~A ~grc~d i'o m said ivau i~. tf~ sum of 'X'w~, k~imdred seven Thousand lEive Hundred asd nv110(} Bollars ($20?,SUO.4Q) upon the ao~di#ian that Sf~VEItEIGi~T~A stisbaxdin.ate thera~rtgags hetd by it. r~usziaua ~f/~(^'^l~ Fjf .f7A~ ~ ri a.. a Y, /~,V~4 ~{~ ~]47 iJ.L~~4 Tli7T TAI IT' RRII hAAR Ih l1 IMIT ..... J./1C C1 Xd~3 ~S I2id213~tS~ 009t3- 3+id 6~>85~i~ 60QZ/C3£/iti 1 s' I ~aa : go-iw~~ wd~~; fi 6QOZi~ ~~z ~ lai:sv~~auvr wsu i,:iu x~ NY3'9U', `IT~R~'t~RE, in cnr<sideration of CJne (~l.QQ) 7)allar attd otl~az' valuable nonsideratin~s, zlxe xeceipt wheretsfis hec~by ackuowittlged, SOv1ER1ri.CxN BA,AII~, has itsei£ its sucoessazs aid assigns, does h~n~by convey and a with the said WiML.LS i:AR.CrQ BANK, I~..P,.. TSAOA that the Sovereign Mortgage stall be st:bjx~e# to axsd subordinate to the liens of the maztgaSe to be cxecuked and detivarad by AZ~RE'4V J St]MMA and TQEH~UU$Ax~ A SOMMA to secure a gr,~tttisscsty aQte its the 5~ of Two ]FSundd Seven Thousand Pive Himared and no/I QO 1?o~laxs (~207,SU0.~30) ~vitlt the same £ercc and e~'+xt as ii`tb~e said mortgage ~ favor of Wei: S ~.~rU ~~i;K,1V.A. T~AtJ.A, has bct~ attccntat, deJzv~ed attd reaarde~ pciar to the axecutictz, delxvezy and ,recording of the S~-vereign l~artgage, IN ~!Y1Tl~SS ~I:SJF, the acid SOVEI~TGI~I Bt~NK. has caused these present #a be signed arEti sealed'fJy ~'ytstiyia ~,. Pastors, Yee President hereunto duly hut>z~.c:d this 3p~ TRAY ~F THE DiJ~E~.t, 20f3~. St~VE,~LICN B.i4NK lyl'ame: Cytxthia A. Pastore Title: Vice Y'resident ACY~NoWLBI~~~M~NT: sx~x~rco~rnraz~v~~rx ~:~ >~zo~~ ~s~Al~ ~ co~o~>}~c~vna~rcE ~ ~ $.~e i7n rkb 30'x' day o~Aecepnber, in tiie year 204, before me, the ttttderrsigned, persar~.lty appeared ~yatlxia 1~1, Fanfare,, Vine P~sident, gexsansiiy known to me or proved to axe oxa LEse basis of aatisi`actary evid~~ to Iae flan xnclividual(s}whose names} ss(are} subseribed to the ~critlbn instrument and. acl~owiedged to the tiLaf he(she}(they) axeGUted the same in his{het)(thcir} eagscaiy(its), that by his(fiei'}~their) signature(s~ ors the instrument, the individual(s), ax tl~e person upon b~al# ni'wiuclz fire iIISiividraal(s) anted, and executed the in5trausGatg aad that such individual made such appearaatee ;E~fore the uandersigaed its the ci tsf 1;aat _t?m~destce. C ~l'mvsdexxcc. State ofRfsocic Tsiarul xgnaturs and o#i`z 1Fi~d~.vidual takitsg aelaza~w3ed~ameatt ,Attan~ G. G~ouett~ f~i Notary PubIiC gym. ~p 1of~I2Q7S ATI'E~'I'YDI~ R~~~S'~ty' (~F I7EEI~S Manta: SovereignBank ATfN: b~eument T'rocessistg/Review 450 ;Petsn ~'s~;uue lCeading, PA I9d42 Mail Stop: 1Q-4~1-CTS. ~~~ sz ~o ~~ $~~a ~643/0~3 air r Tn i ~r rrrta nnnrr tnn trrr X~.~ ~SI2dd2i~sAi~ 0090- 1^&i $Z < 8~ ~ ~ 6OOZ/0£/ZT C Aulr-}U-iC110 12:09pm Fram- '~~ ja f~ ~'~~~, ° ~{ to 17EE17 WAi~FtAN7Y IND. GF~ ~C3F~~. iti~L'~i;~,~l ~ , il~.~~t.. ~i r, ,_ ;. 1... ~., ~..., ~ ~ r I. r.,,. "_ ..~ ,. _ ~. . T-888 P.OtJB/811 F-744 ~~~ ~J~~' i'.9 A~1 li ~~~cEL ~t~.: . ~+ i1fi, rnude the ,~ ~ .day Q~'/l'~d~tr~~ 2004 .8'etween ]Kevin A.. l~+~ese a~ldl Deboral>< ~:: Rees+~, Iiu~bsxtd ~~d ~Valf+~ herein designated as the Grtrntors, rind Andrew J, So~inun ~rtd D,~ba~r$h A Summa, Husband anel Wife herein designated as the Grantees, TiY'itnesseth, th~r#' the Grrxrrtors, }or and in cansideratiah v, f ~'wc~ Huzrdred Sixty One Thausarsd I'+7izte Hundred and 0~/ip0 I)o~lars t~~G1,900.~r;1} lt~ful ,*nrtney of the. rlnited,States +af America, rr~ the G~~rnrors in hand well and trul~~+aid by the Grantees,. at or be, fore the sealing pr~rl delivery o, f these presents the re~eiFt wherer~f is her~ehy ~xcknowledged dial the Grantr~rs being therewith fully satisfied, do by these presents grant, b~argar`rt, seal and c[rpzvey unto the Grantees forever, .f1L,L 7'X3A?' ~'ER~~LnT lot or parcel afland located in North Middleton Township, ~:'uxnberiand Cvr~nty, ~rrrnmomvectlth of Pennsylvania, bounded and described w foilnws, to wit. b'~egirrning rxt a point pan the yvestel-tt right of may line of .Lang. View„ said point being Ic~cated South. eleven degrees, forty-eight minutes, thirteen s~~Qxrd,~ ,East ~~' 11 deg 4c4'' I3".~), a distance of arre handred twct and fifty hundredth, fact (1'0?-S} fr'o»z the t~rmin~rs af'u curve catzr~ecting said right'~~f wrry,with tla~ .tnrlilrern right-n,{wgv line rxf'Terrcrce Yiew: tlteneb from sand point .~n.,~inning, by said western right-cif-vay line South eleven degrees; forty~eight tninute~; thirteen se~eonds First ~.~ 1 deg 48' 13 "E), ~i ttisrcrnee ,~f ninety feet (94.1]1J'} try a point,• thence. l~}r Lot Na: d i~, 11~nrth Midge 13hase ~ South seventy-eight degrees, elen .minutes, . f+~rty-.even seconds 13'est (~` 78 deg 1I"~7" IY~, a distance oaf twp hz~ndred seventy-six and~cfty-eight hundred feet (27b,S$ `~ to rr point; :thence by Lai` No. 5i, North Ridge.:Phase 6 North zero deees ten aninutes, nfneteen seconds FYest (N"~4 deg 1 D' 19"F3'} a distance of ninety-one and eighth nine hundredth feet (9.1,5.9) to a~ornt; thence ~y Lot loo. t57 rend hY Lot Irv. 66 North seventy-eight degrees, eleven ttaintttes, forty-seven seconds..East {N 7$ deg 1:1'47",~}, ~ distcrnee of two hundred .~.1'~~-eight ~rnn'si;e ~hupdr~a'rh feet,(1,58.0~6J to a point on the western rig}it-t~f-wry dine of Long ~iezv, the place of Beginning ~Sai~,' It~t contains 2~, t~59 square feet dr U.55.2 acres 8'eing Lot Nr~. +5S tin the "Final Sul~divisian Plan of North Ridge, Phirse 5, as recorded xr the zee of the Recorder ofL7eeds of ~drtd far ~umberlartd Ctrunty in Plan Book 85, 1''age 708. ,5~rbject t©u ~U. I}~~' drainage easement a~s shown an the above menti~rrr plan. 7/2010 17:26,56 AM CRJMI3>'RLANE} COUNTY lnst# 240447885 ~ pale 1 of 5 A~~-10-~iyliy 12:09pm Frtlm- T-B,88 P.p081011 F-744 BEllVG the p~srr of'the .~me prc~alses whtcFt i+'red.~.~xettys, by ~De~d ~re~ a,~d recnrdcd;n the ice of the Retprtler ofL~eedr in trod fvt Cr~mberland iG'c+u r~ Deed Bc~©,t eo~yed to Kevin .4.',keese ~'fte said De6crals K ,~uese}oir~ this co ~ Sl'mxted and rights title Qr ,interest she trray have ifs said propetty by virtue pf her marry ~~~ g v~pReese. UNI$ER }INII 3ll$I.E~T tp reslrictiarts and c©uet~ afr~~rdes~' including these nf'the FtrutJ .Subdivision Plan}orNorth Ridge Phase 4, r~^cnrded in Ftc7n Boe~k $S page 70-8; SUI,~IiJCT to.a twentyfoot storm sewer easement rrs shown on the above mentioned Flan ~u~5ar18r~4 (aunty ~ecordet of Detds 1n~tr~t Filins i. l~eCeiPtq 529~g9 In~trR 244q~Art~gg5 iir2912444 11;4G;51 Re~arks: CD19flINITif LAHp saana DEED DIED - i~R1T 13.54 DEED - RTT SATE - ,S4 ~d19.4D ° EaRL15lE A~Ea 1309 54 114kTii HIGDL.EYf7R . 1349 50 DEED - hlH , . 11 SC a.s.s, r a.T,~, _ ~D I~IPitARENEtt1 F~lD . 14.40--- REG. Ii~PRU$T Fi1Nq ?.44 3,p4 4Nec1tN 134~i #f -349 54 lrheclrN 8634 . t 54 CheCkli 9435 , f~+b19,0d CheCkk REF T.44 fI~384,5q r4#31 RecelVed....... ° 15,2?8.54 d0i71( ~f~~ EaCE~~~. l1I~t2010 11:28:56 AM GtJMHEF2LAND GOUN71' Inst. 20D447885 -Gage 2 of 5 Au¢-1p-2p10 12:09pm Erom° T-888 P.piplpll F-74d * ~ og+eifxer with cell and singular the buildings, mpraugments, wcrys, woods, waters, wq~tercourses, rights, liberties; hereditarnerits and ezppurteriances tv the game belonging ar in anywise r~ppextainir~g; and t,~ee reversion crud reversioxrs, remainder and remainders, rents, issues and pra~ts thereof, and Qf every part a~zd parcel rhereo}; An~r1.AXsr~ all the estate,. right, title, interest, .use, passes ion, ~r~opert}; claim arzri demand whatspevar of the Grantors bath in law exnd in e~~uity, or, in and to .the premises herein. ds~cribed and every part and parcel thereof with the appur'tenane:es. err I~uve And Ta Hr),td rill and slrzgulazr the premises herei7z described together °w~ith the hereditarrrents and appurtenances unto the Grantees and the Grantees' proper. zrse and b+Qnefitforever. .9nd the Grantors covenant that, except as mcYy be hereih set Earth, they do arrd will Specurtly 1rJ'~'rt~rtrnt and }defend the lands ar~d premises, hereditam~nts and appzrtenances hereby caraueyed, against the Gruntr~rs mad all other persons Imarf idly Maiming the same or to claim lha same. In cz11 references herein to arxy parties, persons, entities or carpQratians, the z~se Marry pRZrticular gender exr the plural or singular number iS intended to include the approprirtte fender r~r number as the tent of the within i»strzcment may t~erlurre. Arherever in this iFtstttrrrterzt airy party shall ba designated Qr referred tr? by rurme or general re, ference, such des~gnatic}rt is intend to arzd shzrll have the same effect as zf the words "hetr3', ~ecutur~; uclrrcini6tYcYtc7rs, ~ersVru~l t-r legc,l r~E,+r~s~111u1iv~3, .iucce~$e}r~ ~,Iitc3t iY~'slgtls~f ]ttSS bften inserted'rtfter each and ever} such designr7ticrn. .ln l~'irness whereof, the CTrrtntors have hereunto set their hands and seals, or if a cr}rporation, it hens caused these presents to he signed by its proper corporate officers crud its corptzrdt~ seal tra be rrffrxed'heretc~, the day and ye}ar~rst alcove written. ;5ignec~, ~e~l~t~ ~t7d I~elilrer~d irr the presence cf ~r At~~st~~ by 1`S~- . ~ . ~~ A, l~,ees~ h . TI~.~es~ t~~mmc~r~wea~~~ ~rf rie~n~ylv~nia, +~unty cif ~.r }~~: ~~; It R~mmbr~d,that on ~~,~ ~C~,c~l Z~efore me the subscriber persanaIly appeared Kevin A. Rees Tczzn~vn tome (or satisfactorily proven) to be the person(s~ whose namei`s) is,~ilre subscribed to the yvirhzn deed rind acktaowledged that (helshelthey} executed the same, for the purposes therein eozttained .~._. W ~~r~*~lrti~'i~ seal the day arzd year trJores~zid 'nM1 ~fi+v. rfA h ~ y .' IRr . tJCt~tat Seat -~yj.M[~~.. ~~ ILd ~..r~M1L~~ h+~_~~ t ~ ~, 2ooa 3l74~2p9 0 11:2&:56 ANf CUMt3ERLRND C[]uN7Y Inst;# 2444a78a5 -Page 3 of 5 ,~ ( _ `, P~cpared By. STEVE J. CHR.ONSSTER WELLS FARGO RANK, N.A. ONE Ht7ME CAMPUS X2301-04G DES MOINES, IA 5032$ Rclurn To= FINAL DOCiTMMENTS X2599-02~ 905 SW 5TFI STREET T}ES M(3INES, ' EA 50309-+160tl Parcel Number: Premises: 125 LONG VIEW CARLISLE, PA 17013 15natc Above Tilis Line i'or litcurding Dahl N10~TGAGE >3I~r-risr~rzc~~s Words used in multiple sections of this document are defined bcIow and other words are defined in Sections. 3, i i 13, 18, 20 and. 2I_ C~rialll rules regarding the usage of words used in #his documenE are also prouided in Section Ib_ (Aj "Securi#vIastru>a~ent"meansthis document, which is dared DECEMBER 23, 20tl9 iogethet with. dlr. Riders to tlris doeusnent. (II) "Barradver"is ANDRESr7 J'. S:OMMA AND DEBORAH A_ SOMMA, iiFJS~RTD AND WIPE Borrower is the mnrtgagar under this Security Insiruyneni 02bSb07589 ~ENN~SYLVANIA-Single Fam+lyFennie A1ae7Freddie Mao UNIFORM WSTRUMENr Fem13~8 WoltttsKluwer Finzneial Services ~ Initcais'i~ ~ EI^IP6(RA)(089 ~_~. Fage? NMFL H3038 (PALM) Rev y120D9 (~} "Lender"is WELZS EARGO BAZ•FEf, r;+7,A. Lender is a National Associai:ion organized anal existing under the laws of'1'I#E UNITED STATES DF AMEF2ICA L:ender's address is P- 0. BOX 5137 13ES MOINES, IA 503fl6-5137 Lender is the snortgagec under Lttis Security Insttument. (D) "Note"means the promissory r.~ate signed. by $atrower and dated DECEIVER 23, .2009 _ The Notc states that Harrower owes Lender T?+7O HUNDRED SEVEN THL]t35ANb FIVE t3[fNDRED AND Nt?j1fl0 I3nllars (U:S_ $ ***207, 500.Ot) )plus inter~esl. $ortnwer has promised to pay this debt in regular Periodic Payrrtents and to pay the debt in full not later 11ran JANQARY 1, 2040 _ (E} "Prnpcrty"means the prapertq that is described below under the heading "3ransfer of Rights in the Properly." {F) "I;aan"means the debt evidenced by lhr; Note, plus interest, any prepayment charges and Iaie charges due unifcr the Nott, and all sums due under i1Fis Security Instrument, plus interest. (G) "Riders"tneans all Riders to this Security Instrument that .arc executed by l3orrawer. The.. following.. hiders arc to be executed by'Borracver [check bos as applicable]: Adjustable Rafe Rider ~ Cnndominium .Rider Q Second Hame hider ^ Balioc3n Rider ^ planned >;Jnit I~evelopmeni RidaY ~ 3-4 Fa~uily Rider VA Rider ~ Biweekly Pay3ncYttRider Qpther(s} [specify] {A) "Applicable i.aw" means all controlling applicable federal, state and local statutes, regulations, osdinanccs and administrative ntles and orders. (that have the effect of law) as cvelt as all applicable final, non-appcalabic judicial opinions. (~) "Cnmmuniiy Association Dues,. Fees, and Assassntents" means aI) dues, fees; assessments and other charges that' arc itnpasal can T3orrawer ar the Property by a condominium associa#ion, hot~ieawner5 association yr similar organization. ~3) ^Flectranir Funds Transfer" means any Iransfar of funds,. other tht3n a tr~nsatrtion originated by check, draft, of similar paper instrument, which is initiated through an electronic terminal,.. telephonic .instrument: computer, or magnetic cape so as to order,, instracy or authori2e a financial institution to ciebii or credi{ an account. Such term includes, but is not limned to, point-nf--sale transFers, automated teller machnetransactions, transfers initiatcdby teicphone, wire transfers, and autoinaled clt;aringhouse transfers. (X) "Fscrc>'wi#ems"means those iten3s tha# are described in Sectit~n 3. (L) "Miscellaneous Prnceeds" tneaa~s any canrpensation; settlc;mrnt, award of damages, or prcx;eeds paid by arty tl,ircl party {other than insurance pracecdspaid under the coverages described iu Section 3) for_ {i) dan5age to, ar destruction of, the Properly; (ii) ~ondcmn;ttion tir other taking of all or any: part of the PENNSYLVANIA•Sag7C FaiTdly-Fannie Mae(Freddie Mac [7NIFORM it357RUMEFl7 Forth 3439 1f07 V MF O ~ ./I~P6tPAy (OBOd} 00 Wotter5 Kluwer Financial Servwes Ini(~ata: f-r Page 2 nl t7 PraPt,71y; {iii)'convcyance in iicu of condemnation; or (ivj misrepresentations of, or omissions as to, the va}uc andlor condition of the Property. {M} "MitrtgageInsuraacc" means insurance protccling Lender against the nonpayment of, or deFault an, the Lnitn. {~l} "Perlodic'PaytnenN'rneans the regulsrly scheduled atnount due for {i) principai and interest under the Nate, plus (ii) any'amounts under Section 3 of this Security Instrument. {O} "RESPA"means the Rea} Estate Sdtlement Procedures Act (l2 iJ.S.C: Section 26x1 ct seq.} and its implcinentrig regulation, Rcgulafinn X (24 C.Ir.R. Pan 35{30}, as they might he amended from titnc to Buie, ns any additional or successor legislation or regulation that governs the same subject master. As used in this :Security Instrument, "RESPA" refers to all requirements and restrictians that are imposed in regard to a "federally related mortgage }oan" even if tfie Loan does nr>t qualify a5 a "fcd~-rally related ntorigage loan" under RESPA_ {I') "$aceessor'irr Interest aI Borrower" means any party that has taken title to the Property, whether ar not Thai party has assumed $orrower's obligations under the Note andtnr this 5r;r:urity Instrument. TRt1.IVS1~EI2 O~ RIG1-1'FS IN THE l?ROFER'1'Y °fhis Security Inatrlimant secures to .Lender: (i} the repayment of the Laan, and all renewals, extensions and modifications of the Note; and (ii} the: pcrfoirtnance oC Borrower's covenants utzd agreements under this Security Instnument and ilte Note_ F'or this purpose,. Borrower dons hereby .mortgage, grant and convey to Lender the i~otlosving described proF+erty locased in the COUNTY [TyRc of Rcwrdinc IurEsJiction] of CUMBEJ.tLAND (Ttame of Ftecocd6ng Jwisdietion]: LEGAL DESCRIPTION I5 F1TTpaCI3Ep 13ERET0 A5 SC1~I7t7I,E "A" AND MADE A PART HEREOF. whir:h currently has the address of 125 LONG VIEW CAIILTSLE ("Propcny rLddress"): )slime,) (C3ry), Pennsylvania 17©i3 tZiQ Code] PENNSYE.VANIA-Single Family-Fannie MaelFreddie tvaac UNtFOAM INSTRUMENT VPoPO Wolters NluverFinansial Strnices Farm 303911x! astaat(asoatao Iniuafs: Page 3 of t7 TOCrH7'l3ER GVl7Fl all the tmptnvemenls now ar hereafter erected on the property, and all casements, appurtenances, and fixtures now or hereafter a par3 of thr: property- 1111 teplacements and additions shall also be covCrrd by this Secirity Instrurttent. ~l)l of the foregcning is referred to in,this Security instrument as the "proprn'y_" BORR(}WER COVENANTS that l3amrwcr is Lawfully seised of the estate hereby conveyed and has the riehi to mortgage, grant and Canvey the Property and That the property is unencumbered, e_~cccpt for encumbrances of recard_ Harrawcr warrants and will defend generally the title to the Property againse alI claims and demands, subject to any encumbrances of record TI3lS SECUILITY INSTRUMENT combines unifc,t,n covenants for natiar,al use and non-unifvtzn covenants wish limited variations by jurisdietinn to constitute a uniform security instrument coverirLg real praP~Y- UNlrORM COVENANT"S_ Borrower and Lender covenant and agree as fa}lows_ I. Payment of Pi•incipaL Interest, Escrow I#erits, Prepayment Charges, and Late. Charges. Borrower shall pay when due fhs' pxint:ipal of and Interest on, the debt evidenced by the Note and any prepaytrtent charges and ]ate charges due under the Note_ Harrower- shall also pay funds for Escrow tten3s pursuant ter' Seeiiom3. payments due under thr Nola and this Security Inslrunxent shalt Ire made ist Il.S: cuiTency_ Howc~yer, if any clteck or other instrument received by i.ender as.paynscnt under the Nntc cr this Security. Instrttlncnt is returned to ~.endeT unpaid, Lender. tray reRnire that any or all. subsequent payments due under the Note and this Secturity Insttvrnent he made in one or more of the following forms, as selected by Lender- {a} cash; (b) money order; {c) certified c}recI:, ''bank check, treasurer'§ check ar casliier'S check, provided any sut;h check is drawn. upon an institution vhuse deposits are insured by a federal agency, instnirnentalify, nx entity; or (d) rlecironic I'unds'fransfct. Payments are deemed 7eccivcd by Lender when received at the location designated in the. Natr or at such other location as may lie du~ignati:d by Lender in acrordaneewith the notice provisions In Section 15_ Lender may return any payment or part"tat :payment if the payment or partial payments arr_ insufficient to bring flee Loan current- Lender ntay accept any payment or partial payment insufficient io hring the :Loan current, withont waivL-r of any rights hereunder or;prejtidice 1~ its rights to refuse sugh paymert ar partial payments in the fiitnre, but Lendt;r is nai cabligatea to apply such payments a! the time stick payments arc accepted. If each Periodic Paytttcnt is applied as of its si:heduled due d5tc; then Lertdcr Weer! nut pay . interest on unapplied funds. Lenr3cr may fiold such unapplied funds until IIorrowcr makes payment !o bring the Loan. current: If Harrower does not da so within a reasonable period of trine, Lender shall either apply such funds or return thetn'to Borit}tver. tf not applied earlier,: such funds ti~riti be applied to the outstanding principal.:. balance under tier Nate imtnediatcly prier to forecinsure: No offaet or claitri which Botro~ver .might have nnty or in the future against Lender shall relieuz J3grrnwer from making paymentsducundei' the Note and t11is Security lnstnttiient or Per&>miing tlte,covcnanls an8 agrcemcots secured by this $ccurity IustrumenL 2. Application of I'aymcnts or• P3•uceeds. Except as othcrrvise described in this Section 2, all payments accrpied and applied by Lcndcr shall be applied in the fallowing order of;priority. (a) imi:rest clue under flee Note; (6) prircipal due under the ?dote; {c) aninuljts due under Section 3. Sui:h payments PENNSYLV/fNIA•5imgfe Fanury-Fannie f~iaefFredtlie Mac UNIFORM iNSTRUMfiNT Vf 1P ~`9~ ~ Form 3639 F7ri1 Wa1725 Rlvner financial Sern~ )~ 11~-VMPBlPA1 fQBOay 00 1nAlafS; v!'1 Pagp4 of 7? f i. shall be applied to each I zriadtc Payment in the order in which it became due. Any remaining amounts shalt bi applied first. to late cltargcs, second to any other amounts due under tlsis Security Instrument, and then to reduce the principal balance: of the Noie. If Lendct receives a paymenN from Borrower fur a delinquent Feriodic Payment which includes a sufficient amonni to pay any late charge; due, the payment maybe applied 1o the delinquent payment artd the late cha:ge_ If more than one Periodic Payment is vutsfanding, Lender may apply any payment received froth Borratver to the repayment o£ the Periodic' Payments if, and to the extent that, each payment Can be: paid in full. To the extent;tltaf any excess exists af4cr the payment is applied la the full payment of atte or snare Periodic Payments, such excess maybe applied to any ]ate charges due. Voluntary prepayments shall be applied Grst`to any prepaymcnl rharges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal Clue tutdex the t+lote shall izot extend or posfpvne the due date, yr change the amount, of the Pu-iadic Payments. 3', Funds for EScraw Items. Burrower shalt pay io Lender ran the day Periodic Payments are due under the Nate, until ':the Note is paid in full, a sutra (thc'it'unds°) !o prouide for payment of arnounls due for; (a} taxes and assessments and other items which can attain priority t3vt'r Ihis'Securify Instrument as a lien or encumbrance on the Properly; (b) leasehold payments or ground rents on the Property, if any; {c) prcntiunts for any and all insurance required by ..Lender under Section 5; artd ;{d} Mortgage Insurance prentiutns, if any, or any 'sums payable by Borrower to Lender in lien of the payment of Mortgage Insniance premiums in accordance with the provisions of Section ,10. These items are called "~sctow ItclnS." At origination or at arty time during the term of the Loan,' I.t~ndcr may require that Catntnunity Association.. Ducts, Tees, and Assessnsents, if any, be c'srrowed by I3orrvwer, and such dues, fees and asse_rtsrnents shall be an Esctox• item. 13grrower shall pmmptiy furaish to Lender all notices of amounts to be paid under this Scciion. Borrvwe.°i° shalt gay I.cnder the l~untls for F_scrvw Ttetis unless.Lender ttiaives t3em~xcr'§ obligalior3 to pay ,the !'ands .far .any or all 'Escrow Items. Lender may }valve I3vrmrver's obligation lv pay to Lender Funds for any or all Escrow Items at any time. tiny such waiver niay onky, be in ~~°}~ting: In the cveTtt ofsuch'tvaix?cr, Aorrower shall pay directly, when and whertr payable, :the arnottnts due for any Escivw !tents for Fvltich payment of Funds hasbccn waived $y LCndcr and, if Lcndcr reguics, shall furnish ta, Lender receipts evidencing such paysn~-rat within such time. period ns Leader may require, I3orrower's oMi,gation to make such paytuenis anal to,prpvide receipts shall for all purposes bC dCemed td be a cotenant and agreement contained in this' Security [nstnunent, as:the pku-asc_"covenant and agreement" is used in 5eeiion J. If Bormwet is obligated to gay. Escrow Items dire~;tly, puruant to a waiver, .and. I~orrawcr Coils to pay ,the amount dui for an! Escrow Item, Lender stay exercise its rights under Section'9 and !ray s~ich amount and I3orrowcr'shall !hen be obligated under Seciinn ~) In repay to Lendci• shy such amount- Letsd~~r iT3ay revoke the waiver as to any or all Evscrgty Itctns at any tithe by a notice given in accordance w.ch Scs;tio:T 15 and;. upon such. revocation, T3arrotver shall pay tt1 Lc;nder all Funds, and iri such arnoun's, that lire ihert required under ibis Section 3. Lender mty, at any time, eollcc.t and bold Funds in an amount (a} suffcic:nt to permit Lender to apply the Fitnds at t},e time specified under fZ1;SPA, and (b} nnl In exceed the txsasimum amount a Tender can rcluire unocr I~LSPA. Lender shali'cstimate the amaunl t}f• fonds dire on the basis of current data and P~NNSYIVAtJ4~ Sing > fomily-Fannie MaetFrsddie Mac UNIf6Rn1 INS77ZUMENT FOmr3039 7165 VMP@ eniuals:~MPE{RA}(CtB6A)9C WaMers Klinv¢r Finanei3e Services Page 5 ot'17 reasonable estimates of exprndituECS of future Escmw Items or otherwise in accordance with Applicable Law. "Thee Funds shall he held in an institntion whose .deposits are insured Fly a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Fs:deral Home Loan Bank. Lcndcr shalt apply the rands to pay the Escrow Items na later than the dine specified undc.'r RESPh: Lender s:ttall nai charge Borrower for holding and applying the Funds, annually analysing the escrow account, or verifying the Escrow Items, unless,Lender pays Bormtver interest on the Funds and ApplicaFile Law permits Lender to snake such a Charge. Unless an agreement is made in writing. or e1plrlicable Law r€quires interest to be paid on the rands, Lender shall not be required to pay I3orrawcr any Ynterest or earnings on the. Funds. Borrower and Lender can agree: in writing, however, that interest sha11 bc'paid on the Funds. Lender shall give to Borsawzr, without charge, an annual accounting of the Funds asxcquired by RESPA. if there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall a€count to $arrover far the excess funds in accordance with 12E5PA. If there is a shortage of Funds held in escrow, as defined under. ILESPA, Lender shall notifyl3orrower as required by RFSPA, and [iorrctwer shall Pay to Lender the amount necessary to makeup the shortage in accordan(>ewith ILESPA, Fiat in no more than 12 monthly payments. If there is a deficiency of rands'held in ;escrow, as defined under R.ESPA, Lender slwjl notify BorTOwer.as required by RIiSPA, and 8orrowcr shall pay to Lcndcr the am(runt necessary to make up the deficiency in accordance with. WSPA, but in no n'torc than 12 monthly payments_ ilpan payment in fo11 of all _tiums s€~:ured by this SccuritySnSttumcnt, Lender shall promptly rclitnd to Harrower any Funds held by Lender, d. Charges, Liens. Borrower'- shall pay atl taxes, assessments, charges. Ernes, and itnpasitions ailrihutabie to the Property whiclt can attain priority aver this Security Instrtunenl, Leasehold paymenisor ground rents pn the Prgperty, if arty, and Community Assodladion Dues, tees, and A(sst;ssments, if any. 'S'o the extent that these tans are Escrow Items, Borrower shall pay them in the ananncr provided in Scclion 3. .narrower' shall Pn6rnlvtly discharge any Tien which Iras,priarily aver this Security Instnimcnt unless Borrower: (a) agrees in ivriting to the payment of the obfigaiion secured by the lienrn a'manneraee€ptah}e to Lender, but only sa tang as Borrower is performing such.agreement; {b} contests the }ten in good faith` hy, or defends against enforcement of the lien in, legal Proceedings which in Lender's ,opinion operate to prevent the ertfi>rcemen! of the lien white those Pmtct_Ylings are pending, but only until such procccdings arc concluded; or (c} secures fro3n' the )Colder of ihe',lien an agreement satisfactory to Lctder suburdinaiing Ehc Lien fo this Security Ittsirument. If Lender determines that any part of the Property is subject lv a liar which ca'n attain priority over this ,'ic~t:urity Ins#rurrrcni, Lent}er may giV€ Borrower a notice identifying the !i€n. Within lt) days of the date,orr tvhieii that notice' is given; $orta~vcr shall satisfy the lien or take one nr more itf the: actions set forth abc3vc in this Section 4. Lent3~•r rttay require Bnnowrr to Pay none-time charge for a real €stale tax v(:riHcaticin andl(}r rcPc>rting sarvtce used by Lender in connection with this Loan: ~. 1?roptrt_y Jnsuranc,~ Bormtuar shall keep the improyemcnts no~v existing nr hrr~rcafter'€rected on the Prapetty insured against loss 1?Y fire, ha2ards included Within the term "extended coverag€," and any PENhISYIVANlA-Single Famiry.Fannie MadFntddie Anac VIJIFQf?fd tNSrRUMENT Form 3439 7161 VMP rA J~ (h'olters KIw,.-er Finarn=i~l $ervtces InlLats: "` ' ~M~iP Page 6aa1~17 other ha2ards including, but not }invited to, earthquakes and floods, for which Lender requires insurance. TEtis .insurance shall be maintained in the amounts (including deductible levels} and for the periods [hat Lender requires. What Lender requires pursuant to the preceding sentences can change during the Term. of the Loan, 'The insurance carrier pravid}ng the }nsuranec steal} be chosen by Harrower subject to Lender's right io disapprove Borrower's choice, which right shall not be exercised unreasonably. Lcndcr may requirel3orrgwc~ Io pay,' in connection wick this Loan, eithcr_ (a} a one-lime charge for flood zone determination, certification and !racking sen~ices; or (b} a one-time charge fr)r flood zone dctcrminatiori and certi#ication services and subsequent charees each time rcmappings or similar changes occur which reasonabiy,migttt affect such deierrninatifln or ccrtificalian. Borrower shall also be responsible for the payment. 6f any fees imposed by the F'edera} L•mcrgeticy Management Agency in connection with the review of Any flood zone detct7nination resulting from an objection by Harrower. if Borrower fads to maintain any of the soveragcs described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is ender no obligation fo purchase any particular type ar amount of coverage. Therefore, such coverage sba}I cover Lender, but might or might not protect }3arrawer, I3orrotver's equity. in the Property, of the contents of the Property, against arty risk; hazard or liability and might provide greater or lesser coverage than vas previously in effect. Borrower acknowledges that the cast of tFtc insurance coverage so obtained might sinrztifieantiy exceed the cost of insurance that Borrower. could have obtained. Any an)ottnts disbrused by Letsdcr under ibis Section 5 shall hcca~ne additional debYof $orrowcr secured by this Security Instrwnent. Thc:sc amt7unds shall bear interest at the Note rate i'rom the date of dishurscment and sha}] be payable, with such interest, upon notice from Lender to Borrower reyuestng payment. All insurance policies required by Lender and renctivals of such policies shall be subject_t+r Lender's tight to r~isapprove such .policies, steal} include a standard. mortgage clause, and shall name Lender a5 mortgagee andlnr as an additi;7na1 Boss payee. Lender shall have. the right io hold the policies tend renewal ccrttkicatc's. If' Lender requires, Harrower shalt promptly' give to Leader al} receipts of paid pY~tniums and renewal notices. If Borrower ohiaitts any form of insurance coverage, not otherwise required' by Lender; for damage lea, err dcstruciiotl af, the Property, such policy shall include a ; landard mortga~;i; c}auscand shall name Lc;ndcx as mortgagee andk)ras an'additiontt) loss irayee_ }n the event of loss, Borrower shall give prrnnpt notice to dte insurance carrier and Lender. Lender may make proof of loss if not made pronptly by Botro~i~cr. Unless Lcndcr and $anov.~er otherwise a~rec in cvrifing; arty insurance proceeds, whether or not the underlying insurance was required by Lcttder, shall be applizd to restoration or repair c+f t}te Property, if the restoration or repair is ccottomical}y feasible and Lender's security is not lessened. During such repair and restoration period, Lender slratl have the tight to 1)+rtd such insurance procectfs ^ntil Lender has had an opportunity to inspcrcl such Property tt) ensure the work has }teen cornplcYed to Lcnclcr'i satisfaction, provided that such inspection sha]! be uttclcrtaken proniptIy. Lender Tray disburse proceeds for the repairs a+id restoration is °oe: single payment or in a series of praerea: l~a.ymcnts as the tootle is completed. Unless ail agreement is made in writing or Applicable Law requires interest to b4 raid on such insurarrcc proceeds, Lender shall not be n~quired to pay Borrower any interest ;,r earnings ctn such proceeds_ keen for public adjusters, or other third parties, retained by Borrou:er sh`alC n+it be paid out of the insurance proceeds and shall he the sole obligation of Borrower. if P~+NSYLVAtYtaSingle Fanu(y-Fasnie 31aecFtedd~a that UN1r-0ftN1NSTRUMEN7 VMP ~ Form3Da911(3i VYOl~ers Klwvef Financial Services t~ 1t~ MP6(PA) {Q80d}.iHr 3nitiats: yfK ?age 7 of t7 the restoration ar rcpair is not economically Ieasihle or Lender's security tivould he lessened, the insurance pr;~cceds shah he applied to the sums sccun:d $y this 5ecuriiy instrument, whether or not then due; with the excess, if any; paid to Borrower. Such insurance proceeds shall be applied in the order provided far in Section 2. If 13arrower abandons the Properly, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice fran Lender that the inswanee carrier has offered to settle a claim, then Lender may negn€iate and settle the claim. 1'he 30-day period will begin. when'tJte notice is.given_ Jn either event, ar if Lender acquires the Property under Section 2Z or otherwise, Borrower hereby assigns Io Lender. {a} Botrower's rights to any insurance proceeds. in ary amount not to exceed the amounts unpaid under the Nt>te nr this 5ecuriiy Instrument, and (It} any. other... of Borrower's rights {other than the right to'any refund of unearned premiums paid 5y Borrower} under alt insurance policies covering the Property, insofar as such rights arc applicahtcto the covcrago of the Property. Lender may use khe insurance proceeds either to repair ar restore the Property ar to pay amounts unpaid under the Note or this Security Instrument, whether. or not then due. fi. ~ccupancv_ Borrower shall occupy, establish, and' use the Pratterty as Barcawer's principal residence within GO days after. the execution of this Security instrument and shall continue 10 occupy the Property as Borrower's principal residence far at Least one year ailerthcdate ofoccupattcy, unless Lcndcr otherwise agrees in writing, which consent shall not he zirirrasonahly tvithhcld, ar unless extenuain¢ circumstances exist which are beycmd Borrower's contro3. 1. Prescrs*atiun, It~aintenance and Protection of the Propertr~? Inspc~tions. Butrowcr .shall not destroy, damage or impair the Property, :allow the Property to deteriorate ar catnmit waste on the Property;' Whether pr not 2orrower is residinb in the Property, Borrower shall. maintain the Property in order to prevent the Prnpert3r front. dctesinraling,or decreasing in value due: tw its canciilion. Unless it is detcnnined pursuant to section 5 that repair or restoration is not ecanontically feasible, I3arrower shall prortrptly repair the Property ifdamaged to avoid fztrther deterioration or damage. ilf insurance or candemnatiart proceeds are paid in connection with darrtaee to, or the faking af, the Property, Borrower shalt be responsible for tepairing cii• restoring the Property only if Lcndcr has reteased,proceeds'far such purpasesa Lender ttray disburse prareeds for the repairs and restoration in a single payment or in a series of pragres~ payments as the work is completed. If the insurance or condemnation proceeds are not 'sufficient to rcpair ar restore the Property, I~rrroiver i~ not relieved o'23arrawer's obligation for the completion of such rcpair i>r restoration. I_endc;r rar its agent may make reasonable entries upon and inspections of the Property.. If it has reas~anable <:a}ISe, Lender ntay inspect the interinr'af the nnpravctttenis on .the Property. tender shall' give torrower natter at the time of or prior to such an interior inspection speeil"ying such rzasonatrle raiuc, $. Bt,rroijcr'5 Loa'u Application. Botrotiuzr shall be in default if., daring thc'Loan application pmccss, L'orro~ver ar any .persons or crittics acting at the direciicin of Harrower ar with I3urrosver's. knowledge or co^scnt gave materially false, misleading, of inaccurate infarination or statenlrnts tct Lender {or failed to prc,vidc Lander wrih material infntrnation} in connection l=rith the Luan_ IVlatpriai rcpresctriations include, but arc naP.• limited tn, representatibns concerning T3orrotver's occupancy aI the Prct}~crty as I3orrowcr's prni`ipat residence. PEhltv$YIVPA~A-Single FemityFanrac MaelFreddie Mat UPlIFdRM FNStRt/MENr ~ vMPf~ Foan 30.'k9 f1[)5 tNa+te75,KlUtw~cr enannial5erviees YWiPbtPAt.(g804}OQ rnitiars: .tai..,` Page 8 of 17 3: Frotectittn of bender's Irttcrest In the I'rnperty and Rights Under this Security Instrument. If (a) Borrower fails la gerfgrm fhe covenants and agree[nents contained in this Security InstrumenE, (b) there is a legal proceeding Thai might significantly affect Lender's ints~rest in the Properly andlor rights under this Security ]nstntment (such as a proceeding. in bankruptcy, probate, for condemnation or forfeiture, for • enforcement of a lien which may attain priority over this Security Instrument qr to ettforce laws ar regulations), or (c) I3orrowcr has abandoned the Property, then Lender may doarid pay for whatever is reasonable or appropriate to protect Lender's inicresf in the Prtipcriy and ril;hts under this Security. Insiruincitt, including protecting. andlarassessing the value of the Property, and securing andlor repairing fhe I'raperty. Lender's actions cart. include, but are not limited ta_ (a) paying any sums secured by a }ten which Iias priority over this Security Instrument; (b) appearing in court; and (c} paying reasonable attoriteys' fees io protaet its snierest in the Property andlor rights under this Security Instrument, including- its' secured position in a hankrupfcy proceeding. Securing the Property inCludCS, but is not limited. tis, entering the Property to rnakt: repairs, change lacks, replace or board up doors and vrindows, drain water fnsm pipes, eliminate building ar other code viulatiuns ar dangerous conditions, :,nd havC ufilitic;s turned on or off. tllihough Lender may take action under this Section 9, Lender dots not have 1a do so and is not under any duty or gbligation io do so. It is agreed chat Lender incurs no liability for not taking any or all ai;tions authorized under this Section 9. Any atnaunis disbursed by Lender under this Section 9 shall Isceomc additiana] debt of t3arrotver secured by !hss Security 3nstrument• These amounts shall,. bear interest at she Nnte rate from the date of disbursement. and shall be payable, with Such inicrefii, upon notice fmm Lender to Harrower requesting paymeal. If this Security Instrurocnt is on a leasehold, l3on-ower shall comply with all the provisions of the lease: If Sarra~vcr acquires fee title to t}e Property, the 7easchaId and the fee title shall noY merge unless Lender e~recs n the merger in writing. l0. D•Iortga~e Tnsorancc. Jf Lender required Mortgage Jnsurancc as a condition of making the E.oan, borrower rhalf gay the premiums n°quired to maintain the Mortgage Insurance in effect.. If, for. arry,reason the Ivlorfgage Tnsuranee coverage r+.:gnired by L.cnder ci:ases its he available from t6i mortgage insurer that. previously provided such insurance and 'Borrower was Fequircd to make seg:u~ately designated :'payments toward the pretniutns for Iortgage Insutnce, Borrower shall pay the .premiums required ro obtaitt coverage snhstantially equivalenl'.to the Mortgage Insurance previously. in effect, .at a cast substantially equivalent to ;the cost to Borrower of the Mortgage Insurance previously in effect, from art alternate mortgage insurer se#ected by Leader. If substantially' equivalent Mortgage Insurance coverage is not • availabte, Iiorrowcr shall continue:. to pay to Lender the amount csf the separatclydcsignated paysncnls ihaY were due when the insurance covci-uge ceased to he in cfI'cct. Lender will accepS, use and. retain these gaymertts' as anon-refundable loss reserve in lieu of Mortgage Insurance, Suclt loss reserve shall tie non-refundable; noltvithstanding the fact #hat the Laan is ultimately lsaid in fu}l, arid. Lender shall nvl be required to pay Borrower any interest or earnings an such loss reserve; Lender cxn'jno longer require loss reserve ;paytnents if IvlorEgaee Insurance coveragt> (in the atnount and for the period that Lender rayuires} prauided by an insurer selected ~y Lender agasn becomes available, is obtained; and Lcndcr requirc5 separately dessgnated payments toward the pr~miurns'for IVlortgagc Insurance. if Lender required Iviorlgage. [nsurance.as a c:rsndition of ntakirtg the Loin and 6orro~;per vas r~iluircd to make separately'designaEdd }taymerts'towar3 the:preniiums far Mortgage Insur:utee, BUnawcr shall pay the pr-cmiums required3 40, niaiatain '1+~Iortg:ige }nsutance in° effect, or to provide a ,tan-refundable Iris rasc:r+~c, until Lendrr's retluiretrrent for'Morfgage Insurancr_ ends in accarclance with any written agreement between Borrower and AENNSYIVAilA~5lnptr Family-Fannie ,daelFmdtlie MAacIJWIFORM INS7RUHfENr Farm 3039'I7i11 VMPL - WoRersKlrrverFinane;atServices initials' ~F'i-~~APS~pag~9bf~7 1, ~.. . Lender providing for such termination or until temtinaiion is required by Applicable Law. Nofhing in this Section la affects Borrower's obligation to pay interest at She rate providCd in the Nofe. Marl~age Insurance reimburses Lender {or any entity that purchases the tVgte} for certain losses i1 may incur if I3arrower does nat. repay the Loan as agrced_ Borrower is not a party tq the.Mortgage Insurance. Mortgage. insurers-evaluate their. total risk on ail such insunncc in force fmm time to time, and may enter into agreements with other panics that share ar modify their risk, ar reduce losses. These agreetnents are on terms and conditions Thai are salisfac#ory tq the mortgage insurer and the other party {o>^ parties) to these agreetnents. These agrctmcnts may require the madgagi: insurer to make payments using arty source of funds that the nrorteage insurer may have available (which may include funds obtained firm Mortgage Instuance premiums}. As a result of these agreetncmts, Lander, any purchasc,~r of the Note,. another insurer,. any reitisttrer, any okhcr entity,. or any affiliate of any of the foregoing, may receive (directly or izxlirectly) amounts that derive from {or might be characterized as} a portion of Borrower's payments for Martg:+ge ]nsurancc, in' exchange for sharing ar modifying the mortgage insurer's risk, ar reducing losses. If such agreement. prgvides that an affiliate. a€ Lender takes a share of the instarer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Curther: (a} Anv such agrccnsents Fwi11 not ;affect the amounts that Burrower Isar ssgreed #a pay f+rr Mortgage Tnsurant:c, ar an}. other terms elf the Loan.. Such agreetnents will oat increase the amnutst. Borrower wi][ azve for 11~(ortgage Insurance, and the~• will oat entitle Borrower to any refund. (b};Anv such -agreements will n+tt affect the rights Borro~s'er has - it ans• - tivith respect to the. 1lriortgage Insurance under the Ilurns<owtters Protection Act of 19+38 aa• any D#hcr la~v. •I'tsesc rights' tnas• include .the right to recei•t•e ct:rtain disclosures, Yo .request cad obtain cancellafion of #hc 1Ylttrtgagc Yasnt•ance, to have the htinrtgagc Insurance terminated out+3tieatieally, andlor to rceeivr a refund oI' anv 14fortgage Insurance premiums that were unearned at the timtr of such sancella6on tr tcrlminatitrn. II. Assignment of I44iscellancous Prtceeds; Forfeiture. All Miscellaneous Proceeds arc hcrehv assignetl'to and shall be paid to Lettdcr. If the Properly is darnaged, such Miscellaneous Proceeds'shall Ise apllied to restoration orrepair of the Property, if the resturuiiian or- repair is economically feasible and Lender's security is not Icssencti~ During such repair and restoration ~eriad, Lendershall have. the right to hold such Miscctlaneaus Proceeds until Lender Itas bad art oppartunitytq inspect such Property to ensure firs: work has 'been completed'to I.cnder's satisfaction, pravicled than such inspection shall be undertaken proniptly_ Lender snay,'pay fur the repairs and rcfitgration in u singl~_ disbursement or in a series of progress paymctfs as the- wark,',is cornplcied_ iJnless an agreement is made im writing or Applicaly[e Law requires interest tq be, paid on such lvliscellaticous Proceeds, Under shall not be required to pay ,IIorFOUier :uiy interest or• comings on such Miscellaneous Proceeds. If the restoration or repair is oat ccnnomically feasible or Lender's Security would be ]c~s-scncd, the Miscellan'caus Proceeds shall be aftplicd to the sutras secured by this Security Instrument, ~v6etlcer or not then due, with the excess,' if any, paid., to Darro}ver. Such Miscellaneous Proceeds shall be app]tcd in the order provided for in Section 2. In t#';c event of a local taking, dcsttuction, or, loss in value uF thr_ Property, t1te Miscellaneous Pro~ceds shalt tae applied :to the sums secured by this S+x:urity Instrument, whether or not then dur, with the excc:sS, ifany, p3i(i 1o I3ortolvcr. PSNN5YLVANIA SingleFamity-Fannie AtaelFreCdie Mac IfNIFpRGd IN57RUMEN7 Faro 3039 31D'3 VMPCti t111GVMP6tPAt tOHQA)D6 Wooers Kluwer F rsaraal Scrv+res Inrnals• UT}^ Page i D of 97 In the evens of a partial taking, destruction, or IosS in value of the Property in which the fail market value of the Prnpcrfy immediately before the partial caking, destruction, or lass in value is equal to or brcaier than the amount of the sums secured by this $ccurily Instrument. immediately before the. partial taking, destruction, or lass in value, unless. Borrower and Lender otherwise agree in writing, the sums: secured by zhis Security .Instrument shall he reduced by the atnouni of the Miscellaneous Proceeds multiplied by the following fraction: {a) the total amount of the sums secured immediately before the partial. taking, destruction, or toss in value divided by {b) the .fair marker value of the Pr`operty' immediate[y bcfirre the partial taking, destruction, or loses in values Any balsnce shall be paid to Borrower. In the event of a partial taking, destruction, ar loss in value of the Property in which the fair market value of the Property itnrrtediatcty before the partial taking,' destruction, or loss in value is less than the amount of the .sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otheaurise agree in writing, the Miscellaneous Proceeds shall be applied to the sutras 'secured by this Sceuriiy Instrument wlxethcr or oat Lhe sums arc Then due. If the Pmherky is abandoned by .Burrower, or iF, aftcrr notice by Lender to Borrower that the Qpposittg Patty {as defined in the next sentence) offers [o make an award to settle. a r;lain~J for damages, Harrower fails to respond to Lender within 3Q days after the date the notice is eiverr, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instnerucrrt,' whdhcr of not tltcn due. "Opposing Party" means the shied party il~ai owes Borrower Misecllancous Pzocceds or the party against whom Harrower has a right of action iri rc~ard to Miscellaneous Pracccds_ Borrower shall be in default. if any action or proceeding, whether civil or crnnirral, is begun that, in Lender's jttdgment, could result in forfs;i#ur>r of the Property br other nrater=_al impainTtent of Lender's interest in the Property or rights vender. this Security instrument. `$otrowcr can cure such a default arid,=if accelcratiun has'occttrzed, reinstate as prtvided in' Section 19, by causing, the action or'prnceedittg to be dismissed u+itlt a ratting that, in Lcuder's judgment, precludes forfeiture of the Ptx}perty or other matcriai impairment nl' Lenders intcrtsl in the Property t}r tights under this Security instrument. 7"he proceeds of any award ~or claim for damages shat are attributaEsle to Thar impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that arc not applied to restoration or repair of the Property shall be applied`in the order provided. for in Seetiot~ 2. xZ, Burrower _~tot I2clcased; Feirteearance By Lender Nok a 4'Jaiver. Extension ~f the titrse for payment or mad(ication of amorEi2ation of the. sums secrircd by this Security hrsirurnertt granted by Lcnd~r to Borrower or any Succesoar in Interest of 13arrower shat! nr>t operate to release the liability of $orrowcr or any-Successors in 'Interest of Borra~><•er. Lender shall. not be required to commence proeccdn¢s,against any Stccessar in [nferesi of Borrower 'ar to refuse Co cxtenii time for payment or otherwise modify unrortization of the sums secured by this SecvFity Instrument by'reason of arty demand made by the original Borrower or any Successors in Interest of Borrower. Any forbrrarance by Lender in exercising arty right cJr rcruedy;inciudng ti•ithout litnitatian, I:encicr's acceptance of.payments from third persons, enliiics ur Successors in lirferest of Borrower or in amounts less than the amount then due,. stroll not bt a waiver of or preclude the exercise of any right or remedy. 13.. Joint and Severest Lialiilitt~; Vin-signers; Successurs and Assigns I3trund. Harrower covenants an& agrees that I3orro~v~cr's obligatic3ns arrd tiai?ility shalllse ji>iut and scvcrai. However, any BoiTrotver 4vlii cn~signs this Security lnsirumcni but da3cw rant execute the Note {a "cn-siyncr",: {aj is co-signing Phis pENMSYiVktVIA-Siag[eFamily-Fannie AlaclF,eddieM1lac UNIFORM IN$TFitJMENT Fo„a 3p3g yips VMPLs ~)[}L~MPBtPA){~80dJ 00 Wolter: Kluwer Rnaxial Services Ini7re15: Y/ A-/ : PaSas t'I at 17 .Security Instrumetni only is mortgage, grant and ctanvey the co-signer's interest in the PrapcMy under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and {c) as~rees that Lender and any other Borrativer can agree to extend, modify, forbear or malcc any acrotntnodations with regard to the ternts of this Security Instrutiyent or the blare without (he ca-signer's consent. Subject to the provisions of Section l8, any. Successor in Interest of Borrcrwcr who assumes 13orrawer's obligations under this yecurify Instrument in writing, and is approved by Lender, shalt alitain aii of Borrower's.rights and benefits under this Security Instrument. I3orrowc~r shalt not be released from Borrower's alrligatians and liabiiity under this Security Instrurent unless Lendt,~r agrees to such release in writing. 7'he .covenants and agreements of this Security Iasttvment shall bind (except as provided in Section 20} and benefit the successors and assigns of Lender. ld. Loan Chargt:.c. Lender may charge Bnrmvrer fees far services performed in connection with Borrower's defaulf, fpr the purpose of protecting Lender's interest in l}te Property and rights under this Security Insinimenf, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard fa any other fees, the absd:nce of express authority in this Security Instrument to charge a sgecifie fee to Borrower shall not be construed as a prohibition an the charging of such fee. Lender array. not charge fees that arc expressly prohibited by this. $ecurily ]nslrument ix try ~:pplicablc Law_ If the Loan is subjci:t to a taw which sets maximum loan chirrges, and tktat law is fenaIlyinterpreisd so that the interest or either loan t:harges collected or to be collected in connection with the Loan exceed the permitted limits, #lien: {a) any such lean charge shall be reduced -by the amount nccesssry to reduce ihc. charge to 1ht permitted limit;. and (b) any sums already colltcicd from I3orrawer which exceeded permitted limits will be refunded to 13oaowrr. Lender may choose to make ibis refund by reducing the principal owed under the Ntrta or by .making a direct payment to IIonower. if a refund reduces principal; the reduction will be treated as a partial prepayment without any prepayment charge (whether ar not a prepayment charge is provided far under the Note). Bono~vcr's acceptance of any such refund made by direct payment to Borrower wiA constitute a tvaivcr of any right of action Borrower miglrt,have arising trot of such overcharge.. 15 Not%ccs: flll notices given by Ciarrowcr or Lender in connection with this Security Instntmertt inusf be in writing, Any notice to t3,nrrawer in ccrnncctinn with this Security Instrument shall he deemed to have been given to Borrower when mailed by first class mail. or when actually delivered to Borrower's noteeaddress if sent by-other means_ Notice to any one Borrower shall constitute notice to SII'Botrosvcrs unless Applicable .Law expressly requires otherwise: The notitt address short he the Property'° Address unless 1orrower has designated a substitute notice address ]iy notice to Lender. Borrower shall ;~romPtly notify Lcndcrat' Borrower's change. of address. if Lender specifies a procedure for reporting Borrower's change cif address, then 13arrower shall only report a chang'c of address through that specified procedure. there may he only one designated notice address under this. Security Instrwncnt of any one tine_ Any notice to Lender shall be given by delivering it or liy mailing it by' titst'cl;rss matt to' Lender's address stated herein unless Lender has designated .another address 6y notice to I3otra~ver•_ Any notice in caruicctian with this Six:urity Instrument shall not be deernctl,to hour; been Sivut to Lender until actusl(y received by Lender. If any nUlice requirt:d by this Scctuity Instrument is also rcquiretl under Aityplicallc l,aw, the Applicable Law requirernenl will' satisfy the cotresnondng rirquirement under this Security Instrument. PENNSVIVRNtA,Singie'parm'ty-Fenrtie MaelFreddie Mac UMIFC72M rniSTRUMENT Form 3039 1101 Vh1P© Wotteis Kluwer Financial Services rn~rials ,. 1'1 ~P6 PAage j~ ~ 7 `. . 15. Governing Law; 5everability; Rules of C1>nstructiun. ~'itis Security Instrument shall be governed by federal taw and the law of the jurisdiction in which the Properly is ioeatecl. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law rnight explicitly or implicitly allow the parties tct agree by caniract or it .might he silent, but such silence shall nnk be consented as a prohibition against agreclncnf by contrnct. In 1lte event that'any provision or clause of this Security Instrwnent or the: Nate canllicts +vith Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can he: given effect without the conflicting provision. As used in this Security Insirurnent. {a} words of the masculine gender shall. mean and include corresponding neuter words ar words of the feminine geode , (b} +vords in the singular shalt mean and: include the plural and vice Versa; and (e} the word "may" gives sole discretion without any obligation to take any action. ] 7. $orrpwer'S Copy. Borrower s1r.111 be given one copy aEthe Note and of this Security Instrument 18. Transfer of the Properly nr a Bcneliciai Interesrin Barra+vcr. As used in this: Section 18, "Interest in the Property" means any legal or brneficial interest in the Property, including, but not limiter) fn,-those iseneficial interests transferred in a bond for deal, contract far decd, installment sales contract or esc7pw agreettieni, the itttcnt of which is the transfer of title by E3orrowerat a future date to a purchaser. )Call ar any part of the Property car any Interest in the Property i§ sold nr trans!'erred (or,if Borrower is not a natural person and a beneficial interest in Borrawcr is srsld or intnsferred} without Lender's pricri° written s:onsent, Lcndcr may require intlnediate payment in full of all sums secured by this Security Insttutuent. however, this option shall not be exercised by Lender if such exercise is prohibited 6y Applicable La+v. If Lender exercises this option, .Lender shalt give Rein-owei notice oC :ccceleration. The. notice shall provide a period oC not less than 3~ day:: Crom the dart; the nt+tice is given in accotrlattec with 'Section 15 +vithin which Borrower must pay all sums secured by Ehis Security Instrument. If 8nrrower fails to Pay. these sums prior to the cvcpiration of this period, Lcttdcr map invoke any remedies permitted by This Security Instrument without further notice ur demand tin Iinrro+ver, f9_ .Borrower's .Right: fo Reinstate After Acceleration. If Borrower meets certain ctandititins, ]3orrowcr sha1I have the right to .have etiCtJrecrnent of this Security Instrument discontinued at any iliac prior to the earliest of: (a} five days bcfarc sale of the Property pursuant io any power of sate enniaincl in: this 5ecurity']nstrvrtteni; {b} such other period. as ftpplieable Law might specify for the terminationuf Borrower's right,: to reinstate; or (e} entry of a judgntenf cnlozeing This Security Instrutitent. 'fhosc conditions are that borrower: {a} .:pays Lender ail sutns +vhich then would be due under this Security Instnlnent and the Note as: i f no acceleration had occurred;. {b} cures any default of any other covenants or agreemcnis, (c} pays all cxpersrs incurred in enforcing' Ihis Security Instrument, including, but nut limited to, reasonable aitarrteys' Fees; property nspecfian a;id valuation. fees, and other fees incurred list the purpose of proteciitig Lender's interest iri the Property and rights urrdcr this Scctirity Instrument; and (d} takessueh action. as Lender tray reasonably require io assure that I.endcr's interest in the Property and rights. antler this Security litgtrumcnt, and Borrovrct's obligation to Pay rite, sums secured by this Security Instrument, shall continue unchanged. Lender t>7aysequirc that Borraivcr pay such reinsiateme"nt surns and expenses in one or more of the fallowing farms, 'as sclcctcci U}r Lender. ~;~)'cash; {b} money order, (c} ccrtifcd chcY:k, bank check, treasurer's check or cashier's c:hcck, prnvdtid any such check is drawn upon PEh1N51'.LVANIA•Sinple FamilyFannie htaelFredAie hlae UNIFQRM INSTRVMEN7 Fo1m 3039 1101 : VMP^-. ! 1(tc; JMA6(PA} (080<J 00: Woliea Kluwer Finenc~nl SBnices Imuatr ~ !/r7.,..3 Page 73 of 77 an .institution whose deposits are insured by a federal agency, instrumentality ar t;ntity, or (d} L-leclronic Funds 1'ransfer_ Upon reinstatement by Bnrrocver, this Security Instrument and obligations secured hereby shall rcrriain ~'u11y effective as if no accelcratian had occurred. However, this right to reinstate sha11 not apply in the case of aecelezaiion under Section 1$. 20. Sale of Nate; Change of Loan Serviccr; Notice of t:rie4'anec. The Note or a partial interest in the No#e (together with. this Security Instrument) ran he sold .one or more times without prior notice to Borrower. f1 sale might result in a change in the entity (known as the "Loan Scrvicer") -that collects Periodic Paytuenis due under the Note and this .Security Instrument and. performs other mortgage loan servicing ribligaiians under the Nalc, This 5i;curiiy Instrument, and Applit:ablc Law. There also might be one or more changes of the [,oan Scrvicer unrt:lalcd to a sale of the Nofe_ if there is a change of the Loan Stsrvicet-, Horrower will be given vnitten notice of the change which will slate the name and address of the new Loan Sen+icer, the address #o which payments should be made and any .other irsfotlrtaton RESPA requires in connection with a notice of transfer of servicing. if the Note i$ sold and thereafter the Loan Es serviced by a'.Loan Servicer otlter'than the purchaser of the Note, the ntorigage loan servicingobligations to BBorrower will remain with the Loan Serviceror be transferred to'a successor Loan Setvict:r and arc not assumed by tltc Notc purchaser unless aihcnvise provided 6y the Note purchaser. Neither I3arroLVer oar Lender may comrncnce; join, or be joined to any judicial action (as tither an individual litigant or the member of a class) that arises from the oilier party's actions pursuant to this Security Insfrurncnl or that alleges that the other pi~rly has breached any provision of; or any duty owes! Jay reason of, this Security Instrument, until such :Harrower or Lender has notified the other:party (with sualt noticc'bivcn ih conipliancewith i}tc rcquiremcttis of Section,l5) of such alleged hreaclt and :afforded the other patty hereto a reasonable ;period after the giving of such. notice hs take r.orrectiVe action. ll' Applicable Law prt>vides a time period. which must elapse before certain. action c:an be Taken, that time period will he deemed to be reasonable Sor purposes of this paragraph: 1~ic notice of acceleration a+x3 .opportunity to cure given to t3nrxower pursuant 'to Section 22 and the nafice of acceleration given to Harrower pursuant to Section 18 shall be deemed to satisfy t}ie notice and opportunity io take corrective .action provisilins of this Section 2G1. 2.1'. `)lazardiius Substances.. As used in this Section 21: (a} "1.1ar,.srdt~us Su{xstances" arc those: substances dcfined as toxic or hazar$ous substiances, pollutants, or ~vastes'by Environmental Iaiv and the following substances:.gasoline, 1crrosent:, other Ilammable or toxic petroleum products, toxic pes#icides and herbicides, vulatile'salvents, :materials containing asbestos or fortnaldahyd;;, and radioactive mateTialS, (b) "Environmcntttl Law" mt:ans federal Jaws and `laws of the jurisdiction when: the Property is located'"that relate to" hcaltli, safety or environmental protection; (c} "Enviraiunenta) Cleanup" includes any responsr:` action,. rcir+c~#ial actiaz, or removal action, as dclncd in Environmental Law; and (d} an "Envromncntal Condition" ttreans a condition That can cause, contrihnie to, or otherwise trigger an 1;nv,ronmental Cleanup. $otrower shall not cause or permit the presence, use; disposal, storage, or• release of any,T-lazardous 5u6stances, or tltreatcn to release any F•iazarde)us Substances, on or in the Property. Borrower shall not do; nor allow anyine else to do, anything afft:ctin~; the Propertp (a} that is in violation of any Environmental l.aw, {h} which creates an Envirctntncntal Ctrtiditinn, or (c) tivhiclt, dodo the presence, use, or release t~l`a lia'rairddus Substance, creates a condition that adversely affects the ualue pf the 3'ro~trty'. The preceding two senzcnccs shall not .apply to the presence, use, or storage orF the l?ropcrty of small quantities of PEIVNSYLVANIA•Single FxmifyFannie MaelFn:dtlie Mac lltJIF{)RM INSTRUMENT Pofrn 30341lD1 VMP Cs~ ~ tY'R'. ~`S~SarMPb(PA) {0~04).p0 Wolters K+~tver Financial Servir.~ lnilia[s: r ¢A) L~JN-._~ Page 74 of i7 l•Ia~.ardaus Substances that are generally rectigtsized to be appropriate to aormai residrntial uses and. to maintenance of the Prapeny (including, but not limited to, hazardous substaaces is consumer products). Borrower shall,prompily give Lender written nniice of (a) any invesiigativn, claim, demand, lawsuit ar atker action by any goverrunental or regulatory agency or private party involving the Property and any f•larardtaus Substance. nr f'nviranmenial Law of which Borrower has actual knowledge, (b} any Environnaentai Condition, including but not firnited to, any spilling, leaking, discharge, releascor threat of rclcase'of any I-la~ardous Substance, and (c) any condition-caused by khe presence, use or release of d 13a'r~rdous Substance which adversely affects the value of the 1'mperly. if Harrower learns, or is notiFed by any governmental or regulatory authority, or any private party, that any removal or otlae:r remedistinn of any hazardous Substanccaffecting khc Property is necessary, Borrower shall pro>nptly takeall necessary rcrnedial actions in accordance with Lnuirotimenta] Lativ. Nothint; herein shall create any obligation on Lender for an lrrtvironmentui Cleanup. N4N-UNfFQR]vI COVENANTS. Barro~ver and Lender furihe:r covenant and an,,ree as follows: 22. Acceleration; Remedies. Lender shalt give: notice: to 13orrnsver prior ha acceleratioa fallowing Btrrower's breach of any. covenant or agreetnent in this 5ecuritth Instrument {but not'pritar to aceeleratiutt under Sectinn l8 unless Applicable Lary ,provides othern•isc). Lender shall nntifp l3orrawer taf, .among other Things: (a) the default; (b) the action required to cure the defttul#; {e) when the default must bt:. cured, and {d) that failure to cure the default as specified tray result in acctlcra#itin trf the sums srk:urcd lay this Securih Instrument, foruclnsurc by judicial proceeding and sale of the Pr+speri~t•_ bender shall further iatorm Bcrrrnx°er of the right.. f<t rcinsta#e after' acselera#ion and the right.. to assert ita the Corccltasurc proceeding the non-existence of a drfault or any bttier defense of $orrower to acceleration and foreclosure. If the default is not cured as sperificei, Lender at its Uptlan may require irnmediat~,i payment in full eaf af[ sums secured by this Security Instrument without further demand. and may foreclose this Security Instrument by judicial proeeedirag_ Lender .shall heenfitlcd to collect ail expanses incurred in pursuing the remedies provided in this; ~e;tian 22 including, but not limited ta, attorne~•s' fern and cn5ts of title evidence to the extent permitted bz° Applicable Law. 23. Release. i7pon paynaent o.f all sums secured by this Security Instntment, this Security ]nstrument and the estate conveyed shall terminate :end became void. After such occurrence, Lender shat] discharge attd satisfy this Security lnskrument. Borrower shall.. pay any rccordatian` casts.. Lender may charge 13orrtiwer a fee`fnr releasing this Security Instrument, but only if the feeds ]laid fo a third party for services rendered and the charting of the fey is permitted under Applicable Law. 24: Waivers. Borrower, its the extent peranitier]'hy Applicable Law, uaiucs and releascs;any error or defects'in proceedings to enforce ihis'Security instrument, and hercfay waives the benefit of any present ur future taws"providing for stay of e~:ec;ution, extension of time, exemption fmm a[tachment, levy and sa1c, and homestead exempt'inn. 25. Reinstatement Period. Borrower's time to reinstate.provided in 5ectan 19 shaI7 ca:tend to one buoy prior to the commcnccment of bidding ai a sheriff's safe or other sale pursuant to this' Security, instrument.. 2ti. Purchase R4onec~ Mortgage. Ii' any of the debt secured. by .this ,Security fnstrumcnt is lent to Harrower to act;tiiire title to the Property, this Security Instrument shall he a :purchase ritnney 3nurttaQe- 27. Ii,tcretit ]gate After dudgmrnt. Borrower agrres that the interest role payable after a judgment is entered nn llae Note or in an action aE mangage fareclosnre shall be the rate payable from time t^ time' undcfthe Note: PENNSYLVANW-Single Familyfannk hdadiFinarlie ~L1ac UNIFORM 3NSrRUMENT Fatm 3039 71t1i VMP C~ Wallets Wsnver F;nancial Services ~~f}~VMP6{PA} t08pd}.pp l1LLUa39: ~ fiv Page'IS of lr 8Y SIGMNG LiELOW, $arrtywer accepts and agxccs to the terms and cavcnants cpntained in this Security Insiruraent and is any kidcr executed by Barrowcr• aad retarded with it. W itnesscs: e ~ ~ Y ~ f ~• ~ t`_ ~ ~ ` .r *~'~Tr (Seal) X1YLicC, s' .7 .S{~ -B07rUwe7 ~='tSeal) DE$ORAH A S -Borrower _ (Swf) -8orrowcr (SCaI} -t3orrawer _ (S~.>i) -liorrowcr P~NNSYLVANIASm91e Farmly-Farmie rJiae/Fretltlie Marc UNIFORh7 HJSTRUMEN7 VMP O Wbtters Kluwer financial Services _ (Seal) -Borrower _ {Seal} -Borrower ~. (Sw11 -Fiorrou•cr Form 303g trtYl YMP6{PAS (08Qd),q~ IniLals: Page tb of i7 COb4MO:~WEAL"1'II OF PEiVa'+iSYLVAifIA, CUN3HERLANA Caunt3r ss: Qn t2)is, the 23RD day of DECEMBER, 20139 ,before me the undcrsigncd aFficer, personally appeared ANDREW J SOMMA AND DEBDPAI3 A 9t}MMA known to me (or satisfactorily proven} to be the person(s) whose-name(s) islare subscribed to the withAn instrument and acknowledged that helslxc/they exeetrEcd the same-for the pu)poscs herein contained. 1N WI'T'NESS V+tHFREOfi, [hereunto set my hand and official seal_ My Comnjission E+tpires: ~~ ~)~~~~~} ~ -~, )VOTARIAl5EAL ~+ 1NtLt.IAM R 7AY[OR _ Notary Public SPt21NCx ~1Nt: PERRY COUNT! - ~ n _„ ~ ~t ~~ My Corrlm4sslon Expires Jan 23. 2Q10 ~/~ G~ 'tide of Officer Certificate rAf Residence h the correc) address of the within-named Mortgagee is P . iJ. BOR 57.37 I3ES MOINES, TA 5430£-57.37 Vditnt:ss my 3zand this 23RD day of AECEMHER, 2(309 do hereby certify that Agent of Mortgagee PENNSYI,VAN1RSingle Family-Fannie MaelFteddie Mac UNIFORM INSTRUMEN i Form 3U341f4~ VMP (7 t tlt~ i'VMP6(FA) (080440 Wollero Kiawerfinanpal 5grvice5 _ Imtiahi w7 Page 17 of17 ~-~ a Attorney.a: BELL &. BSS .~ Jason Bowes A Professional Corporation "~ ~ Dizectox of Operations: Jerrold M. Bell Mar1r Kwasawski ~~ttoxneys & CounseloxS Adaxx,. Bell.. PERSONAL AND .CONFIDENTIAL Agri120, 2014 Andrew ~omnxa 12~ Long Vw Carlisle; Pennsylvania 17013 Dear Andrew 5omma I have. been retained by Fidelity National Title Insurance Company (FNTIC) to resolve missing documentation pertaining to the closing of your taan from Wells Fargo . FNTiC, ar one of its underwriters, underwrote the title insurance for you and(or'your lender for this (closing} transaction.. It has cone to our client's attention that some or all of the documentation from your closing has been misplaced or destroyed. This documentation is crucial fox yourlender,,and requires your cooperation to resign.. We apologize for any inconvenience. this may cause and hope to resolve this as quickly as possible with minimal intrusion.: Our firm realizes tha#.this missing documentation is not your fault; however we are required to get these documents resigned or litigate this matter.. if we do not receive a response. In order'to resolve this matter, please contact me immediately to discuss any questions you may have end to sched~€le a time to have'the missing, documents re-executed.. I can be .contacted toll free at $77-570-050 or by email at legal#eam a~clrfn#.com.' Please keep in mind that you are legally obligated under the terms of your loan and :closing. documents to sign any documents necessary to complete the transaction. I am asking you to please contact me at the above phone number or by email withixi l0 days. Your cooperation in this matter is greatly appreciated and I look forward to working with you to resolve the matter o:f the missing documentation. Sincerely, Jason .Bowes, Esq. Managrtg Attorney 13.11 ]. IrT. Central Expressway Suite 2~0 Da11as, Texas 75243 21.4.570.x505 wwsv bowesandassociates.corn SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sherif f ?$?,tttr ?r- ' Jody S Smith ,- Chief Deputy Richard W Stewart Solicitor OFFICE CT TMti S?ER(F Wells Fargo Bank, NA vs. Andrew J. Somma (et al.) Case Number 2010-7118 SHERIFF'S RETURN OF SERVICE 11/15/2010 07:22 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on November 15, 2010 at 1922 hours, he served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Andrew J. Somma, by making known unto Andrew D. Somma, Son of defendant at 125 Long View, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. RYAN BURGETT, EPUTY 11/15/2010 07:22 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on November 15, 2010 at 1922 hours, he served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Deborah A. Somma, by making known unto Andrew D. Somma, Son of defendant at 125 Long View, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $49.40 November 16, 2010 :Ii? --; --- RYAN BURGETT, EP TY SO ANSWERS, RON R ANDERSON, SHERIFF (c) GountySuite Shenff. Teleosoft, Inc. OF C(/,yJ David D. Buell- `9,s Renee K, Simpson Prothonotary 0 F4. .1 Z� 1' Deputy Prothonotary �irkS. Sohonage, ESQ , Y Irene E. JViorrow Solicitor 1750 2nd Deputy Prothonotary Office of the Prothonotary Cumberland County, annsyCvania 10 - 17118 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 29TH DAY OF OCTOBER, 2013,AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE-THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, PA 17013 • (717)240-6195 • Eac(717)240-6573