HomeMy WebLinkAbout11-0395 To: Not r . K10tUGFMAN-? + M.4tk.l A, ti
You are hereby notified to 'c /hJFr- A-/
file a written response to the enclosed
_within
LLC
MILSTEAD & ASSOCIATES twenty (26) days trom the service hereof
,
BY: Patrick J. Wesner, Esquire or a judgme y b ente against you.
ID No. 203145
rneY mtitf
220 Lake Drive East, Suite 301
Cherry Hill, NJ 08002
(856) 482-1400 Attorney for Plaintiff
File: 34.14798
LNV Corporation COURT OF COMMON PLEAS
7195 Dallas Parkway CUMBERLAND COUNTY
Plano, TX 75024,
Plaintiff,
Vs. 4e14-
/J_ 3
Paul R. Kaufmann CIVIL ACTION.
6 Village Road MORTGAGE FORECLOSURE rr ? c- n
Camp Hill, PA 17011,
>
and l- 777
-
-+
::: -
Mary Ann Kaufmann r } '
6 Village Road ! 'x,
Camp Hill, PA 17011,
!
Defendants
? 6 6 pCL a.Hy
C/G 7?5
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or
by attorney and filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
1. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt, or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debt or copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our offices.
MILSTEAD & ASSOCIATES, LLC
BY: Patrick J. Wesner, Esquire
ID No. 203145
220 Lake Drive East, Suite 301
Cherry Hill, NJ 08002
(856) 482-1400
LNV Corporation
7195 Dallas Parkway
Plano, TX 75024,
Plaintiff,
Vs.
Paul R. Kaufmann
6 Village Road
Camp Hill, PA 17011,
and
Mary Ann Kaufmann
6 Village Road
Camp Hill, PA 17011,
Defendants
Attorney for Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No..
CIVIL ACTION
MORTGAGE FORECLOSURE
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff, LNV Corporation (the "Plaintiff'), is a corporation registered to conduct
business in the Commonwealth of Pennsylvania and having an office and place of business at
7195 Dallas Parkway, Plano, TX 75024.
2. Defendants, Paul R. Kaufmann and Mary Ann Kaufmann, (collectively, the
"Defendants"), are adult individuals and are the real owners of the premises hereinafter described
by virtue of a Deed dated September 5, 1990 and recorded September 10, 1990 in Deed Book
T34, Page 714.
3. Defendant Paul R. Kaufmann, upon information and belief, resides at 6 Village Road,
Camp Hill, PA 17011. Defendant Mary Ann Kaufmann, upon information and belief, resides at
6 Village Road, Camp Hill, PA 17011.
4. On December 13, 2006, in consideration of a loan in the principal amount of
$171,800.00, the Defendants executed and delivered to Mortgage Lenders Network USA, Inc. an
Adjustable Rate Balloon Note (the "Note") with interest thereon at 9.9000 percent per annum,
payable as to the principal and interest in equal monthly installments of $1,445.36 commencing
February 1, 2007. See Note attached.
5. To secure the obligations under the Note, the Defendants executed and delivered to
Mortgage Electronic Registration Systems, Inc., as nominee for Mortgage Lenders Network
USA, Inc. a mortgage (the "Mortgage") dated December 13, 2006, recorded on January 4, 2007
in the Department of Records in and for the County of Cumberland under Mortgage Book 1978,
Page 1693. See Mortgage attached. Pursuant to Pa.R.C.P. 1019 (g) the mortgage is incorporated
herein by reference. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage
recorded January 9, 2009 under Instrument Number 200900697. See Assignment attached.
6. The Mortgage secures the following real property (the "Mortgaged Premises"): 6
Village Road, Camp Hill, PA 17011. A legal description of the Mortgaged Premises is attached
hereto as Exhibit "A" and made a part hereof.
7. The Defendants are in default of their obligations pursuant to the Note and Mortgage
because payments of principal and interest due May 1, 2010, and monthly thereafter are due and
have not been paid, whereby the whole balance of principal and all interest due thereon have
become due and payable forthwith together with late charges, escrow deficit (if any) and costs of
collection including title search fees and reasonable attorney's fees.
01-10-'11 14:12 FROM-
0 •%. .
EXHIBIT A
Clgsing USA, LLC
as op m for
L#wyom TNIs 111swame Corp
COMMMMENT FOR TITLIE INSURANCE
LEGAL DESCRIPTION
Jan 11 2011 03:16am P029/033
T-668 P0029/0033 F-705
THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE M THE CITY OF CAMP HILL, TOWNSHIP OF LOWER ALLEN,
COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA, TO WIT:
ALL THAT CERTAIN PIECE OR PARCEL OF LAND, SITUATE IN THE TOWNSHIP OF LOWER ALLEN, COUNTY OF
CUMBERLAND, AND STATE OF PENNSYLVANIA, MORE PARTICULARLY BOUND AND DESCRIBED AS FOLLOWS,
TO WIT,
BEGMM11NG AT A POINT ON THE WESTERLY SIDE OF VN.LAGE ROAD, SAID POINT BEING THE DIVIDING LINE
BETVIIMEN LOTS{ NOS. 21 AND 22 ON THE HEREINAFTER MENTIONED PLAN OF UM THENCE W A WESTERLY
DIRECTION ALONG SAID DIVIDING LINE, ONE HUNDRED TWENTY (120) FEET TO LOT NO. 40 ON SAID PLAN; THENCE
IN A SOUTHERLY DIRECMON ALONG; LOTS NOS. 48 AND 47 ON SAID PLAN, SIXTY (80) FEET TO LOT NO. 23 ON SAID
PLAN; THENCE IN AN EASTERLY DIRECTION ALONG LOT 140.23 ON SAID PLAN, ONE HUNDRED TWENTY (120) FEET
TO VILLAGE ROAD: THEME IN A NORTHERLY DIRECTION ALONG VILLAGE ROAD, SIXTY (60) FEET TO THE PLACE
OF BEGINNING.
BEING LOT 140.22. PLAN OF HIGHLAND VILLAGE, LOWER ALLEN TOWNSHIP, AS RECORDED IN CUMBERLAND
COUNTY PECORDER'S OFFICE IN PLAN BOOK 3, PAGE 96. HAVING THEREON ERECTED A TWO STORY DWELLING
HOUSE KNONIM AND NUMBERED AS 6 VILLAGE ROAD, CAMP HILL, PENNSYLVANIA.
TAX ID M 13-234647-445
BY FEE SIMPLE DEED FROM JOSEPH F. MtELSFORD AND LESLIE A. BRELSFORD, HIS WIFE AS SET FORTH IN DEED
BOOK T 34, PAGE 714 AND RECORDED ON 9/1011M, CUMERLAND COUNTY RECORDS.
THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY. THERE
HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE.
I Certify this to be rewarded
hi C>actbacb>r?d CIo? CIA
Rccordcr of Deeds
RK 1978PG 1713
8. The following amounts are due on the Mortgage and Note:
Balance of Principal ................................$170,509.47
Accrued but Unpaid Interest from
4/1/10 to 1/14/11 ........................................$13,261.54
Accrued Late Charges ................................. $1,310.68
Corporate Advance ...........................................$27.00
Escrow Advance ..........................................$1,358.23
Title Search Fees ............................................$325.00
Recoverable Balance ........................................$95.00
Reasonable Attorney's Fees ........................$1,300.00
TOTAL as of 01/14/2011 ........................$188,186.92
Plus, the following amounts accrued after January 14, 2011:
Interest at the Rate of 9.9000 per cent per annum ($46.25 per diem);
Late -Charges of $72.26 per month.
9. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session
of the General Assembly ("Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the
Defendants at 6 Village Road, Camp Hill, PA 17011 as well as to address of residences as listed
in paragraph 3 of this document on July 14, 2010, the notice pursuant to § 403-C of Act 91, and
the applicable time periods therein have expired.
WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for
foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8,
namely, $188,186.92, plus the following amounts accruing after January 14, 2011, to the date of
judgment: (a) interest of $46.25 per day, (b) late charges of $72.26 per month, (c) plus interest at
the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if
any) hereafter incurred, (e) and costs of suit.
MILSTEAD & ASSOCIATES, LLC
Patrick J. sner, Esquire
Attorney r Plaintiff
VERIFICATION
I, Patrick J. Wesner, hereby certify that I am an Attorney for Plaintiff and am authorized to make
this verification on Plaintiff's behalf. I make this verification on behalf of the Plaintiff because
Plaintiff is outside the jurisdiction of the Court. I verify that the facts and statements set forth in
the forgoing Complaint in Mortgage Foreclosure have been obtained from the Plaintiff, and are
true and correct to the best of my knowledge, information and belief. This verification is made
subject to the penalties of 18 Pa. C.S. '4904, relating to unworn falsification to authorities.
ricl . Wesner, Esquire
Title: Attorney
6000074297 •1
ADJUSTABLE RATE BALLOON NOTE
30-YEAR TERM / 40-YEAR AMORTIZATION
(Assumable during Life of Lou)
THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY TEE ENTIRE
PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE
LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME.
YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER
ASSETS THAT YOU MAY OWN, OR YOU WILL RAVE TO IBM A LENDER, WHICH
MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE
MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY
SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED W1TE A NEW
LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER.
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST
RATE AND THE MONTHLY PAYMENT. THE NOTE LEWI S THE AMOUNT MY
INTEREST RATE CAN CHANGE AT ANY ONE IBM AND THE MAXIMUM RATE I
MUST PAY.
Daceeber 13, 2006
Ptal
Rochester
EL1W1
6 VILLAGE ROAD , CAMP RILL, PA 17011
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I ptmnise to pay US. S 171,800. 00 (this is
called "Pdocips!"I plus intd+est, to the order of the Lender. The Lender is
MORTGAGE LENDERS NETWORK USA, INC. . I will make all payments under this Note in
the torsi of cash, check or money ardor.
New York
ls+m)
I understand that the Lender may transfer Ibis Note. The Leader or anyone who takes this Note by
transfer end who is entitled to receive payments under this Note is called the "Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid I will pay
interest at a yearly sate of 9.9000 °6. The interest rate I will pay may change in accordance with Section 4
of this Note.
The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before
and after any default described in Section 7(8) of this Note.
40130 MULTISTATE ADJUSTABLE BALLOON NOTE (ADJUSTABLE RATE) (Assumable)
4030NIMU 4106
Page 1 of 4
Initials: r r •p, &-*
3. PAYMENTS
(A) Time and Place of Payments
I will pay Principal and interest by making a payment every month.
I will make my monthly payments on the 1st day of each month beinting on February 1, 2007
I will make these payments every month until I have paid all of the Principal and interest and My other charges
that I may owe under this Nota. Bach monthly payment will be applied as of its scheduled due date and will be
applied to interest before Principal. If, on January 1, 2037 ,1: still owe amounts under this
Note, I will pay those amounts in full on that data, which is called the "Maturity Data."
Iwill make mymonthlypaymentsat 10 RESEARCH PARKWAY, WALLINGFORD, CT 06492
or at a different place if required by the Note Holder.
(B) Amount of My Initial Monthly Payureub
Each of my initial monthly payments will be in the amount of U.S. S 1,445.36 This amount
may change-
(C) Monthly Payment Ckauges
Changes in my monthly payment will reflect changes in the unpaid Principal of my loan and in the intered Me that I must
pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with
Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on January 1, 2009 , and may change on that day every
6th month thereafter. Each date on which my interest rate could change is called a "Change Date.-
(B) Ile Index
Beginning with the first Change Date, my interest rate will be based on an Index. The "Inds" is the six mouth London
Interbank Offered Rate ("LIBOR") which a the average of interbank of fed rates for six-month U .S. doWu-datominated
deposits in the Landon mad mi, as published in xlre Well Street Jownal. The most ra cutlndex figure availableacs of the first
business day of the mon@n immediately preceding the month in which the Change Date occurs is called the "Current Index."
If the Index is no longer available, the Norte Holder will choose a new index that is based upon fable information.
The Note Holier will give me notice of this choice.
(C) Calcubdon of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding S 1 x and H i no-Tenths
pacti rage points ( 6.90000 %) to the corrent
Index. The Note Holder will then round the result of this addition to the nearest ono-eighth of one percentage point (0.125%).
Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the neat Change Date.
The Note Holier will then determine the amount of the monthly payment that would be sshTidennt to repay the unpaid
Principal that I am expected to owe at the Change Date in full odanu a ry 1, 2044tch is called ore "Amortize ion Date") is
substantially equal installments at my new interest rate. The result of this calculation will be the new amount of my monthly
payment.
Nobvithstaadiug the 40-year amortization period and to calculate my monthly payments, I umkrstnmd that I
must pay all amounts that I owe under this Note In full or on the Maturity Date, which is approximately 39 years from the
date of this Note.
(D) Limits on Interest Rabe Changes
The interest rate I am required to pay at the first Change Date will not be greater than 12.9000 %
or less than 9.9000 Yo. Thereafter, my interest rate will awe be increased or decreased on any single
Change Date by more than One percentage point(s) ( 1.0000 %)
from the rate of interest I have been paying for the preceding 6 months.
My interest rate will never be greater than 15.9000 %. My interest ratio will never be less than
9.9000 %.
(E) Effective Date of Changes
My now interest ratewill become effective on each Change Date. I will pay the aniouat of my new monthly payment
beginning on the first monthly payment date after the Change Date until the amount of my monthly payment charges again.
(I) Notice of Changes
The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly
payment before the effective date of any change. The notice will include information required by lane to be given to we and also
the title and telephone number of a person who will answer any question I may have regarding the notice.
40/30 MULTISTATE BALLOONNOTE (ADJUSTABLE RATE) (Assumable)
4030N2MU 4/06 Page 2 of 4 Initials: P/ 1
I
5. BORROWER'S RIGHT TO PREPAY
I have the right to make paymerta of Principal at anytime before they are duc. A payment of Principal only is ]mown as a
"Prepayment." When I maim a Prepayment, I will tell the Note Holder in writing that I am doing so I may not designate a
payment as a Prepayment if I have not made all the monthly payments due under this Note.
I may make a fall Prepayment or partial Prepayment without paying a Prepayment cbuge. The Note Holder will use
my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Noce Holder may apply my
Prepayment to the accrued and unpaid interest on the Prepayment amount bebre applying my Prepayment to reduce the
Principal amount of this Note. If I melee a partial Prepayment, that will be no changes in the due dates of my monthly
payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may rednoa the amount of my
monthly payments after the fast Change Data following my partial Prepayment. However, arty reduction due to my partial
Prepayment may be offset by an interest rata increase.
s Except as set forth In the attached Prepayment Penalty Addendum.
6. IRAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finslly interpreted, so that the interest or other
loan charges collected or to be collected in connection with, this loan exceed the permitted limits, then: (a) any such loan charge
shall be reduced by the amotmt necessary to reduce the charge to the permitted limit; and (b) any sums already collected from
me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this retired by reducing the
Principal I owe under this Note or by malting a direct payment to me. If a refund reduces Principal, the reduction will be treated
as a partial Prepayment
7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charges for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of 10
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be
10.0000 % of my overdue payment of Principal and interest. I will pay this late charge promptly but
only once on each late payment.
(B) Default
If I do not pay the 611 amount of each monthly payment on the date it is due, I will be in default
(C) Notice of ]Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a
certain date, the Note Holder may respire me to pay immediately the full amount of Prucipal that has not been paid and all the
interest that I owe on that amount That date must be at Icast 30 days alter the date on which the notice is mailed to me or
delivered by other means.
(D) Me Waiver By Note Holder
Even if, at a time when I an in default, rho Note Holder does not require we to pay immediately in f6ll as described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Relder's Cost and Expenses
If the Note Holder has required me to pay immediately in full as described abov6, the Note Holder will have the right to
be paid back by me for all of its coats and expenses in enforcing this Note to the extent not prohibited by applicable Iaw. Those
expenses include, for example, reasonable attorneys' fees.
L GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by fast class mail tome at the Property Address above or at a differont address if 'I give the Note
Holder a notice of my different address.
Unless the Note Holder requires a ditlbrent method, any notice that must be given to the Note Holder under this Note will
be given by mailing it by hest class mail to the Note Holder at the address stated in Section 3(A) above or at a diflbrent
address if I am given a notice of tbot different address.
9. OBLIGATIONS OF THE PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in
this Note, including the promise to pay the full amount owed. Any person who is the guarantor, surety or endorser of this Note
is also obligated to do these things. Any person who takes over theca obligations, including the obligations of a guarantor,
surety or endorser of this Note, is also obligated to keep all of the promise; made in this Note. The Note Holder may enforce its
rights under this Note against cacti person individually or against all of us together. This means fiat any out of us may be
required to pay all of the amounts owed under this Note.
40130 MULTISTATE BALLOON NOTE (ADJUSTABLE RATE) (Assumable)
4030MMU 4106 Page 3 of 4 Initials: ?? 1W
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment" means the right to require the Note Holder to demand payment of amounts duo "Notice of Dishonor" means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
11. SECURED NOTE
In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the
"Security Instrument'), dated the same data as this Note, protects the Note Holder Som possible losses that rot result if I do
not keep the promises that I make in this Now That Security Instrument describes how and under what conditions I may be
required to make immediate payment in thll of all amounts I owe under this Note. Some of the conditions read as follows:
Transfer of the Prop" or a Beneficial Interestin Borrower. As used in this Section 18, "Interest in the
Property" means any legal or beneficial interest in the Property, ineluthng, but not limited to, those beneficial
interests transferred in a bond for dcod, contract for dined, installment sales contract or escrow agreamot, the invent
of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,
Lender may require immediate payment in full of all sums secured by this Security bnstrument. However, this option
shall Trot be eme ccked by Lender if such wtercise is prohibited by Applicdrte Law. Lender abuo shall not exercise this
option if (a) Borrower causes to be submitted to Lender information respired by Lcmdac to evaluate tbo.irntnded
transferee as if a new ban were bang made to the transkrec; and (b) Lender reasonably determines that Leader's
security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in
this Security Instrument is acceptable to Lender.
To the extend permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Linda's
consent to the loan assumption. Lender also may require the transferee to sign sun assumption agreement that is
acceptable to Lender and that obligates the trams&rce to keep all the promises and agreements made in the Note and
in this Security Instrumcat. Borrower will continue to be obligated under the Note and this Security Instrument
unless Lender releases Borrower in writing. c
If Lender exer>tises the option to require immediate payment in lbil, Lender shall give Borrower notice of
acceleration. The notice shall provide a period of not lea than 30 days from the date the notice is given in
accordance with Section 15 within which Borrower mast pay all sums secured by this Security Instrument. If
Borrower fdis to pay these suns prior to the expiration of this period, Lender may invoke any remedies permitted by
this Security Instrument without farther notice or demand on Borrower.
WITNESS THE HAND(S) AND SEALS(S) OF THE UNDERSIGNED.
&P R, (SOW)
PAUL R KAUPi1ANN 4k="
MARY ANN PMANN
PAY TOTrg"C,.;3 .f e+.•- )
(Sid)
4k= wr
(Sign Orlglnal 0*1
40130 MULTISTATE BALLOON NOTE (ADJUSTABLE RATE) (Assumable)
4030144MU 4106 Page 4 of 4
PREPAYMENT PENALTY NOTE ADDENDUM 6000074297
For a valuable consideration, receipt of which is hereby aclawwledged the and ??gned
that certain Promissory Note of even date to which this Addendum is attached, s? subj?ct
to the following provisions, notwithstanding any provisions to the contrary contained in said
promissory note or the. Deed of Trust, Mortgage, Real Estate Mortgage, Security Deed
(Security Instrument) securing same.
This Addendum is attached to and made a part of that certain Promissory Note given by
PAUL R KAUFMANl
NARY AN KAUFgANi
(Borrower) to
MORTGAGE LENDERS NETWORK USA, INC.
?ender), dated December Is, 2006 , which Note is in the principal amount of
171,800.00
PREPAYMENT PENALTY
After Two 2 full ear (s) from the date hereof, maker may pro-pay,
without Penalty, the outstanding principal balance. In the event maker prepays in full the
outstanding prwcipat balance and accrued interest durin the fast Two
2 full year (s) from the date hereof, maker shall pay in addition to such prepayment
a penally in an amount equal to a percentage of the principal portion of the amount so pre-paid
in accordance with the following:
If paid during the first year from the date hereof, Five percent
( 5.0000 %) of the portion of such prepayment equal to the principal
amount so prepaid.
If paid during the second year from the date hereof, Five percent
t 5.0000 %) of the portion of such prepayment equal to the principal
amount to prepaid.
Holder shall spply any prepayment first to reduce any interest and charges owing at the time of
such prepayment and then to reduce the amount of principal owed wader this Note, provided
that such balance shall be applied to the principal in reverse order of the due date of each
payment and shall not otherwise affect or delay the due date of the next payment under the
12/13/2006 12/13/2006
ate Borrower
nw-
PAUL R KAUFN
kkaLm 12/13/2006 12/13/2005
orro Date Borrower ate
MANY ANN KAUFNANN
FWfi n4 W my 7M %M
01-10-'11 14:13 FROM-
01
0111
This 17ocumcnt Prepared By and
After Recardin- Please Retum To:
MGC MORTGAGE, INC.
Attn: Allison Martin, Manager
Document Control
P.O. Box 251686
Plano, TX 75025-9933
Jan 11 2011 03:16am P030/033
T-668 P0030/0033 F-705
Iml
11111,01,111
00008
BC # 624402
ASSIGNMENT OF MORTGAGE
AP'N No. a?w r5'n--M41-qff
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.
1595 Spring Rill Road, Suite 310, Vienna, Virginia 22182
Grantee: LN'V CORPORATION INC.
7195 Dallas Parkway, Plano, Texas 75024
Property Address: 6 Village Road, Camp Hill, FA 17011
ftfribil?A340 Par
'r. if
I do certify that the precise address of the within named (CmteeJGrantor, Assignor/Assignee and
M ec) is correct.
Allison Martin, Document Control Manager,
MGC Mortgage, Inc.
P.O. Box 251686
Plane, TX 75025-9933
(469) 229-8600
r
01-10-'11 14:13 FROM-
BC: 624402
ASSIGNMENT OF MORTGAGE
Jan 11 2011 03:16am P031/033
T-668 P0031/0033 F-705
THIS ASSIGNMENT OF MORTGAGE (this "Assignment") is made by MORTGAGE
ELECTRONIC REGISTRATION SYSTEMS, INC. ("HERS") as nominee for Lender and
Lender's successors and assigns, who is organized and existing under the laws of Delaware and
whose address is 1595 Spring Hill Road, Suite 310, Vienna, Virginia 22182 ("Assignor"), to and
in favor of LNV CORPORATION, INC., whose address is 7195 Dallas Parkway, Piano, Texas
75024 ("Assignee"), pursuant to the terms of that certain Amended and Restated Plow Mortgage
Loan Purchase and Interim Servicing Agreement, (the "Purchase Agreement"), effective April
29, 2008, between RESIDENTIAL FUNDING COMPANY, LLC and LOAN ACQUISITION
CORPORATION.
THIS ASSIGNMENT WITNESSES THAT, in consideration of Ten Dollars ($10.00) and
other good and valuable consideration paid by Assignee, Assignor hereby assigns, transfers, sets
over and conveys to Assignee and its successors and assigns, without recourse and without
representation or warranty, whether express, implied or created by operation of law, except as
expressly set forth in the Purchase Agreement, the following-
that certain Mortgage from Paul R Kaufmann, Husband, and Mary Ann
Kaufmann, Wife, dated December 13, 2006, and recorded January 4, 2007, in
Book 1978, at Page 1693, as Instrument No. n/a, in the Clerk's Office of the
County of Cumberland, State of Pennsylvania, (the "Mortgage" ), which Mortgage
secures that certain Promissory Note dated December 13, 2006, in the original
principal amount of $171,800.00, executed by Paul R. Kaufmann and Mary Ann
Kaufmann and payable to the order of Mortgage Lenders Network USA, Inc., as
modified or amended (the "Note");
2. such other documents, agreements, instruments and other collateral that evidence,
secure or otherwise relate to Assignor's right, title or interest in and to the
Mortgage and/or the Note and/or the loan evidenced by the Note, including
without limitation the title insurance policies and hazard insurance policies
relating thereto that are in effect.
01-10-'11 14:13 FROM-
Jan 11 2011 03:16am P032/033
T-668 P0032/0033 F-705
IN WITNESS WHEREOF, Assignor has caused this Assignment be uted and
delivered by its Authorized Representative as of the _ day of , 2008.
MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INC.
WIT SS: mie Fisher
WITNESS: ffelen yle
By: L?1- ?'
Name: Carol Chapman
Title: 114anager eearrds Seivtt;?s
ACKNOWLEDGMENT
STATE OF IOWA
COUNTY OF BLACK HAWK
Before me, the undersigned, a Notary Public, on this day personally appeared Carol
Chapman, who is personally well known to me (or sufficiently proven) to be the ,Aged
of Mortgage Electronic Registration Systems, Inc. and the person who
executed the foregoing instrument by virtue of the authority vested in him/her, and he/she
acknowledged to me that he/she executed the same for the purposes and consideration therein
expressed and in the capacities therein stated.
Given under my hand and seal thisday of , 2008.
$,ALIY NELSON
Nokwa15ed1 -woo
conwnboon #;t2
Fmvcommwion9owz
A F F 1 X NOTARY SEAL
.4 A
Sally Nelw;f
Notary Fu , State of Iowa
My commission expires:
ec,t. Lpa"01
01-10-'11 14:13 FROM-
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
717-240-6370
Instrument Number - 200900697
Recorded On 1/9/2009 At 11:35:06 AM
* Instrument Type - ASSIGNMENT OF MORTGAGE
Invoice Number - 35075 User ID - RAK
* Mortgagor - KAUFMANN, PAUL R
* Mortgagee - LN'V CORPORATION INC
* Customer - MGC MORTGAGE
* FEES
STATE WRIT TAX $0.50
STATE JCS/ACCISS TO $10.00
JUSTICE
RECORDING FEES - $11.50
HECORD4R OF DEEDS
PARCEL CERTIFICATION $10.00
FEES
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3.00
TOTAL PAID $37.00
I Certify this to be recorded
in Cumberland County PA
Jan 11 2011 03:16am P033/033
T-668 P0033/0033 F-705
* Total Pages - 4
Certification Page
DO NOT DETACH
This page is now part
of this legal document.
RECORDER OR DADS
* - Information denoted by as Asterisk mAy change daring
the verification process and may not be reflected on this page.
01-10-'11 14:09 FROM-
,?
Lf
ny:
pw$y:
ar 1. K A.
Mary A"
Mhxr
Ckwj"g USA, Ur-
25DMile Creating 81vd., Saitc 4
Ro?ttester, HY 1?62s
As agent for:
M-100 UNIffs N t qp r
AFTER RECORDING RETURN TO.,
C.4s9lA01(.Folqe
CLo" ISA, L.L,C
ATTN: Recording Dept.
230 Mile Cmu tg Wd„ Suite #4
RodMter, NY 14624
Pow d Ntmsbar:1343 -M7- ft
Pmniuw: 6 VILLAN IUD
CAMP MILL, PA 17911
Jan 11 2011 03:16am P009/033
T-668 P0009/0033 F-705
1067 JAS ?! fin ]A 47
Teu, s : A- ]sp m Ahm TMI Lit it W Reowdiag Lab]
80001174th MORTGAGE
DEFOOMM MN 101261"100074297.9
Wads slsed m mdti* sections of Ibis docomm ars defies d bd w end odw wosfsis sae defined 6a Sxbions
3, 11,13.18.10 said 21. CerWe Yaks tsAla 1 9 tht tssegss of wank used in this ftcuutw m s11eo provided
in Section 16.
. .
(A) "Seeero lembo mW mom Oisdoomment, wWch is dated December 13, 2A04
so0etdler wo e9lWm to Ws dooose K
(D) "bq>rrawar" is
PAYL R IAW1MW NOWWO
MARY MIDI KA~ 11I F9
Bca war ie die moreMw andw tdis Sslsso * Insfrwwt.
(C) -PAMW is AMagsl Ebgm* Bl*wwj** Spd eol% Is r- MM is'sfam m7ag w drat is W-tieg
st>d* as a rdmobae for Iraed<+[ and Lowe at's #eossesm ad lairs, MW is tee tsmsf4ftw WWW this
SOON* Ig lfla>=L b=3 ie agmmd slid odst og udw dw bm of Deksim, sand has w AM= and
teleQhosta mobw ofPD. B= 2026. Md 118 411501-MO, WL (888) 6V-MM.
PEMUTLYAMA - aiagW F&MV - Fsanin blsafteddle Mao W FORE INSTIIUMEMf WITH MERSs
? .
4MeAtFAI p5on Fomn Oft V61
pose f of Is t j"ft, %L"~k
VNP Merton" samsm". Mo. RM521-m1
UKI978PG1693
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(D) -Lender" isMORT@AQE LINENS NETMONK USA, INC.
Imdcprisa corporation -or association
mpndzod and cxb tg under the haws of Delaware
Lm der's address is
219 Court St. Middletown CT 06451
(L) "Note". mom die pros y now signed by*Botam a and doted December 13, 2006
The Noce amen thatBotrowa owaLander One NuNdrod Seventy-OM Mussed, Eight
Nundrod and Ne/100 ----------------------------------- Dollm
(U.S. $ 171,$00.00 ) plus inftmL Borrower has promiacd to pay this dabt to mgWW Pcaodic
Paymm and m pay ft debt in furl not tarn chart January 1, 20$1
(F) "Prapb V" means the property that is demibed below sander die heading "Dxufer of Rights in the
PIOWW.W
(G) "Loan" means tae debt evidenced by the Note, Phu alwat, any p Wyamt charges end lore charges
dne under the Note, and all sms due under dws Sam* Inadtunax, plus interest.
(M "PAm" meson all. Ridcas to this See** hotiumeot that are amcutod by Borrower. Thu following
Riders am to be exacatod by 13moweC [click box as gTHc*kl:
A*3b61e franc Rider Condomit*m Rider Soeond Howse Rider
bdbon Rider Phased LMn Devddapmatt Rider 1-4 Familq Rider
[7 VA Rider BiwwHy Payme tt Rider Othhv(a) [4lr]
Adjustable Rate Balloon
Rider
OD "Applicable law" mama all contraft WHcaW federal, stele and banal atstu??, remdadotta,
a d1i aaeea and a rngti? rnlea' and-orders (that have tae saner of law) art w& as aff final.
(J) " Amah Dues, Feeah and AmmemmeW meats alt duos; 6M- 06'm'mi m U6b'_ mi d otba
chmW dent am mapoedt on Borrower of the Propody by a c mdombim aasudkVoa, Immwnera
hmaocilim or snaitar
(K) "Rlsefremic FmmhhTr " means awry tratwfa of funds, other dun a tavemOon mWulod by short.,
6A or madlar papa naelrttnteat, whsh is inia eW dm*vo an a acftnic tdth mmuL tellepihataic zmmmnmx?
c(opmar, at rawm& tape so as to ordear, inhnttx, or mwimft a achil furore sin to dcm or mm an
aC4e mL Such term incIM S but is not limited to, point of-We ta»lat , tt Wmmmd ldlttf tnq 6hra
w aruactiont, ndtimed by telephone. wire tsa alts. and amounted cle minghmuG mom ilk rg,
(L) "Ravaw Uwe men duhse horns that ate deh>crbM m 9ecoan 3.
(he "Nbeqmmmm ((tow memos any me, Iastrdiopr I "*amt. &w ed of?magdt, arproceeds pond by
any thud patty (pltrar tlheMt ittsulaQoe pmeeOdS peh! lttadtar do CovenlP tea ximi in Seams S) for (s)
dtwt p WD or deattoWan ti, the %4 0% ()ia) condemandat or odw W ft of oil or any part of the Phopesty;
Cra9anue in Bea of ootdahtaation; err {iv) mirotepreaentatiotaa of, err orntssiehkt ore to, flat vohre srd?ar
(N) «AOoetNoP 10e " means iusoraaae protecting Leadehe against the uonpoyhaent of, or ddku'h on, the
Loma.
NoK ous (b) may _muumuu under 3aawwt? Security t. anowd due for (i) Pirtcipat and mbdreat tender the
inltt?: , - T ?'
eA{PA) rotas) P.as z at ,s Forah 90ati i/ot
BN ! 978PG 1694
01-10-'11 14:09 FBOM-
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Jan 11 2011 03:16am P011/033
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OP) "RRWA" amm the Red.Esmte Settkma t Pvocca ww Act (12 U.S.C. Section 2601 et seq.) and irs
re aladgtr. ltagalatioa X 04 G.hX Psdt 3500), a they,tht be sued fioa Dime to fame.
*ww
or dry eddidood or iecowdr legtlion ar n;ubdob to pvaw fee same subjW mew. As and in dais
?r InM tmmi, ORNSPA" mchm to At and n?cEiiodra so sne x?os in ressed to a
; Wan" ovon if dtu eLmtn des not gnsbi[q ae s "fedm=* roped ma?%W lam'
SawA- ntxi;
(Q) *S*a asor is intwat of $orwoww" maw any platy d a hse Men dib to the Proprny, whedw or not
drat petty hr sssomad Bamw ee3 obtigadons order die_ Aicm w4kc tha Sww4y Inshumomt.
3RANISM OF RIGIM 1N TIM PROPSRT'll
'11ris 9ocm* Iriwgrimt a mms to Fender. (1 the mp meet of the Loan; and aR mwwab, exseadm mid
mo*Bmm of the Note; end CK) the pufaramaoe of Batower's ;v;Qts sad ap+eemft undo flue
Seca ny IaL*nwtamt and dw Now. Plor dds pmgrotw~, Awrower does hereby mo ftsga, Sm and convey to
h MS (solely as nominee for Lesdar and Larder's successors and mpgm) ad to the amcomors and
assigns of MRS, the Mowing desw1W prop Ndy located in the Ct01lU'fY Pihm ofRooadisg 7 zwklsmi
of CMINLAND IN me of Recotdime Pa"cemP
SEE ATTACl1ED SCHEDULE A
which amoody iae do so= of
6 VILLARE ROAD
CAMP BILL
(" )property Address"):
I&T-A
Ic-nyi, Peansylvao;s 17011 [zip codel
1OGETIMR WITH all die' sow ur kftudw aucwd on me , attd sil easemetrts,
apparieasnCtls. eud nows now ?m VW of the Al a adtWim shall tdso
bA eavorod dds SecuiW hUbUrnent Aft of &e is i+eM f ' to in Hide Sseudly Iosattwem a she
" Bam?wec madommh and agt+eee #A' asdy lepl aide to the iplmo gi mW by
B yam in im 3mrity Inskament. hut, if neommy so ac!L ?Ih r or mslonr, (as natsitraa for
Lmda sad I.atda': auoooaeors sad assiptr) bsr t#te to ssrssmse asy or star
lose isiatlAs, eetr?g,
but sot 8tailed sa6 dra to >ismedose aed adl Iha .and to Wm so)r action nm en' P4 of imars
inch but sot Smiaed to, rdeasing and catm tog so 3 Iassr>onnem.
1411tIft 49X Po P.
$A(PA) mms) Pay* a is +a parer 80xe trot
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BORROWER COVENANTS that Borrower is htwf ]Ry seised of the COM hereby conveyed and has
the dght to more, grant and convey tilt Pcopaty end that the Property a umewatabesed, =Dept for
munibunces of uccoa Borrower werem and will ddaad gemm* do tilde to the Property against erg
ciaime and danw* subject to stye cnom*wvxxa ofrecosd.
THIS SBCURrrY INSTMENT combines umAmn coveowtt for na6omd use sad nos-uniform
covmasnts wimb limbed varutbrhs by judidwhon to otmat m a u edam soerutity ioslrurno t covering real
UNIFORM COVENANTS. Banoaer end Lower covenant and agree as Mows:
1. Paysaent of PAK431 , ffitHM9, BOO" b=* Prermy>stant ChIff", and L 46C Ch;argae.
larrower shall pay when due the p don pd of, and intemtat on, Ow debt evidenced by the Note and any
prepdynurx charges and late charges due render the Nom. Bamower Ad alm pay flahds for Bsarow Items
putment iD Scanlon 3. Payments due mAw the Now sad this Security Iastrutttart shall be ma& in U_S_
cmancy. However, if any dw& or atim mstraamd received by Larder as payntettt under the Note or this
Security hmttament is rehned to Lawn ampaA Lander may require that any at all aimgaau psymeme
due under the Note and dds Smuity InsUmnent be made m sae err more of the following fbirors, as aelemed
by Lender. (a) Cash: (b) money order: (c) cemafied check bank dhede, Ira 's ebwk or cashiWs check,
provided any such chock is drawn upon an kwtitruion whose deposits lac insured by a federal agency,
m* utlea amity, or entity; or (d) Blecmic Faatda 1Yunfer,
Payments are dcometd received by Fender when received at the kxdion deft used in thts Not,- or at
such other kwation as may be designated by I.eadaar its SocoWMO with the notice providDM in Seudath 15.
Y.ettder may rdun any MEOW or l?OSAW psymaat N flee Pmt or gatdsl payments ue %MfE3ccnt b bring
ft Loan comsat. Lender my accept lay MMOU or per" psyme t'MffW tt to bring d1t LOO cutrent,
without waiver of any tights her+umder or peejudice to he tights to re[rase; swh paryment or parlor patiynients in
at AMme, but Larder is not o%pled to apply such payments at the time mach p"mcon ere ac;ce{tted. rf each
Perb* ftment is applied as of its scheduled due dsate, then I,et?d4r seed not pay interest on uaagq&d
funds. I mnder may hold etch rtn%Vgmd limas natil Bomma madoem paymeat.to bd tg the Law maauemt. If
Borrower does not do so within a reasomble period of time, Lender start ddw apply such fimde or re=
them to Bounwer. If not applied earlier, amch funds will be onrod m to otmmm leg I&Ckhsl. bdanm uraW
the Now imtaedia0ely prior to fomecaos m No oB'aet or claim which Bommm might bm now or in the
Enure against Lehrdts shall felleve Borrow loom mddap paymeab doe under the Note sad this SocavM
Ines =cw or pa rkwming the cove mw sad s$ravenoq seaarod by this Seahrity Ine maent.
2, Appll a0ba of Pmysauats or Ps+o mbL Bxcept as odhta wjea desod in ihs Sea= 2, all paymears
accepted end appied by I,endar skin be applied in the Mowing ceder of paority: (a) ptered due aawkt file
Now; (b) principal due under the Note (c) sharomtns due under $eedm 3. Such paymmu abolt be applied to
each Pcdotic PWaut in the order its which it became dos Any resat a umas be qp*4 first to
data duaigryea, meeond t0 any otutr amounts doe undar this Sommity Instrument, and fi mt to red= the p*aa;pel
balance of the NOW
U Lender receives a payment from Sommer fear a de> t Periodic Pgmmt which .includes at
safftdent amoamt to My any W datge duo, the p4ymeat may be applied to flee delinquent payment and the
late charge. If auae Om one Periodic Payment is oumbo d e& Lender my apply my payment immed 8om
Harrower to du: ropsyment of the ra3o& Payments if, and to the ademt thmr esok pay out can be paid in
"I"; M k P
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WL To the exteont drat any aw4ss oxiam attar the payment is applied to the full payamt of one or more
Ph mille Paymeols, such ea may be applied oD say bee charges dos. Volontary pmpsyraahts shalt be
applied lim to any po* q?meat charges and rheas w desocribed in the Now.
Asy sppliadon of paymeatw, i mumw proceeds, or M welbrheos PrumMs to principd dice under the
Note shell ad extend at poilpone the due dare, or chop the xnowi% of the Ptdo& Payaaaats.
3. Ftmda hr Z=,ow here. Borrower dM pear b Larder on Ere day Phioft Psymenm are due under
dhe Now. mg the Noes is paid In fA a sum (the "Funds") oD provide far paymad of awmam dun for (a)
tames and aseemmeats and other irons wbu h coat attaat pdatity over Ob Secw* Isslntment sa a lbec or
arann'bsance on the Ptopeuy; (b) ldpei AW pnytteeanta or Vourtd raw on the Property. I say; (c) p mniums
for any and A kmorom required by Lender muter Section 5. and (d) Mortgage Itgnuw w p wftw, It any,
or any soma pm W by Borrower to Lander In lieu of the prpmat of Mortgage bmursom p uTdums is
8ocordum With the providons of 3ectice 10. Them items are cWW "BS=W Items." At a gindion or at say
time during the rum of the Loan, L,o AW may nequine dhat Commm ty Amodatihm Lanes, Fam add
Aaaesemem. if any, be escrowed by Bormwa, egad mith class, fees and its shag be a Rvv w Itran.
Ba nowa shalt prnnapdy Axniah w Lander ant noticer of eanena o w be paid under No SecbwL $errtawa
A" pay Larder the Panels for >3Mw Ieesms unka larch wmvw BeurowWs obSphon w pay the Punds
for any nor all t wrow Items. I.ead?rf may waive Ba m wex'a obljgalion to pay io Lander Famb for any or an
Rwrow Imns at any dme. Any mmb waiver may oa r be a wrung. Ia ft event of aueh waiver, Boagwer
shaft pay directly, when ad where payaW the amomts dtte fur shy Recrow lkw for which pya mt of
Fusels has been wd"d by Carrels rod, it L eadeat 111 1 e1. " fbmkh tQ Lender moeipts evidencing such
Mme w wbhin nch *w period as Lander may mgmm Borrower's oblipb n iD mate such pegmt* ad
to provide ncc#u snail for etII pmpom be deeaneel tv be a coveaw and agh o=wt oanninad at d& Security
Iusttia ift as the pruner ncoverimt and agm mme is used in Secdon 9. N Borrower b ogled tp Pay
Escrow lo m diaee*. ymmm m a wa im. and Harrower foils oo poly the amount don hr an Bsmnv Iaem,
beer heady encerrree its rights under Swoon 9 and pay each amuot and Bonwm a'lh111 dhesrn be obilgmed
under Section 9 co ant to Leander any such aroetttat. I.enehi nosy toroke due waiver sa-oa-any err all Bscrow
Irons army Berne by a notice given in w=da= wA Sex km 15 and, spot such immadoen. Harrower d a
Pay to I.eaeder all Fmr ls, send in such atthe)hnm that one dheo regWmd oaft this Section 3.
Lender rosy, as any time, coOm and hold. Pinch ha std swount (a) t b pamh Lem[ to apply
the Funds at dhe dw sptxied under P SPA, and (b) not to exceed the trtadroom a mug a leader can
requim mtder ItMA. I.ahder " ghat then amount of Fonda due on the bats of event & ft end
r ahsothalylo canow of expmdt== of tutee Racsow henna or odwwise h omprdwace wah Applicable TAw.
no FWWs AA be held in an instl won whose depo4W we honecd by a hdaral agency, imntimaentp *.
or entity (Inclading Under, V Lander is m WdbAon whose depolitw we so bnowQ or in sty Fadami Hoare:
IA= Bank. Lrertdw shall apply the hoods to pay the Bscmw Ramos no beer then to time m ocided oan4w
RPSPA. Lends shall not charges Borrower far holdtmg and applying' ft Fwda, anwp* mdyzmg the
escrow accoux% or verlfft dee Esmw Yarns, vnfe s I..ender psis Rocrower beoma on the Ames and
Applicable Lew per ab I hmdeY to nets such a elterge. Unless an agta m is mole in wri ft or Applicable
Law ragpita item 10 be paid em dw Fonda. L,eaeler 40 not bo ragv d to pay Bortowu ashy anfrseat or
earnings as tine ponds. Bon wa end Iresder can agroe in writing, however, d aiumn shale be paid an the
1nn1aN• m A W-
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Funds. Leader Ad give to Bomwer, without charge, an at m d acconnring of dte Funds as rogaired by
RESPA.
If there is a surplus of Funds held in escrow, as de6aod under REVA. Leader shall accoumt to
Borrower for the excess funds in acootdanas via RESPA. If direr is a shortage of PWA held in tacrow, as
defined under RBSPA, Leander abali no* Basnower ae required by RMA, and Bomiwer slell pry to
i enda the mom necessary to malt up the sbgrtage in accordance with RBSPA. but in no more than 12
mam blsy payer. If' titers is a defidaicy of Pantds Into in escrow, as defined under REVA, I.a?dtt shall
mWy Borrower se- iegaired by REVA, and Bwower shalt pq to Leaft do aaaoant ttemtuty to m9e: up
the deficiency In accal* a with RMA, but in no more Om 12 mou ty paywants.
Upon payment in fill of all am secured by this Security Insti ment, l endear aladl pmmpity refund to
Bra ma any Fonds held by Leader.
4. Mona; Lf m. Darrower A& pay aH taxes, asesimcnts, chogr4, fines. and impositions
attributable to the PrWerty which can attain pnomy over dais Security Instrtmust, leasehold payments or
groaad rents on the Property. if any, ad Community Amdadoa Dues, Fees, and Ass , tf any. To the
eaacnt that ulnae Imm am Ewrow Items, Baarowa "pay them in the manna provided in Seaton 3.
Borrower trail pmmpdy discharge any herb which has pnKq over this Soculty 7mtruourd unless
Bwower. (a) agrees in wntiag to the payment of the obligation 8ecoW by dw lieu in a manner taooepW& to
I.e xkr but only two Zang m Donewa is peaim such gpcemeot; (b) consu t the bah a good bib by, or
defahds against eatauemeut of the No in, legal proceedings which in L.aider's opines apeesae io prevent the
mforc4cnpnt of the lien whit tuners pt=adigg,s are pending, but only wAl such peoooeflna p are concla ted;
or (c) secures from the holder of the lira an agrarnnettt sarldwsary to Leader subotilkatigg the lien to rids
Sam* Lhatratnem If Lethde r determines that my pat of the Property is art *a to a lien which can attam
priority over NO Socmity hisawneat. I.atdex may give batrowtz a anew identifying die nett. Wkbin 14
days of the date on which that nodes is 8 m, Bouuwer shalt satisfy the lien or trine one or mom of the
actions sat fmt<h abovo in this Socfm 4.
L,atder may require Borrower to pay a oue4me rune for a real estate era vaifica fim and/or nparting
service used by Landler in ootmation with this Loan.
S. Props tty lea. Borrower shall keep the impwvmneata now editing. or her F1 r rrocred an the
property mahaod agtaust IM by fiats, haatds mcfatded Within the form "pttanded coverage," and any other
hazards mdtt&tig. but not ]muted to, eaahgtu o and floods. for which Leader row mansance. This
insaraam ahall be amgtwbW rte the uncum (i oding-doductlblo levels) and for On paieds drat Leader
mgai es. WIM Leader requica pansoot to the pmouft mateuoes care ahmgs tiring the taste of the Loan.
The insurance carrier pmovidntg the inautarwa troll be chosah by Borrower sul*0 to Lender's *k to
cimpprove Bogy's dwk*. which light d M8 not be, exerciaed unremnal ty. I,eadec May require
Harrower to pay, in ca mecdon with this law, either. (a) a one-time change for flood zone determination.
catificati n ad troftj servica; aor (b) a oaadmo d wwp for fined zaae ddarmirodoa sad oeiriBc;ation
mnvxm ad salmequeat charges each time remappbhgs or similar charges occur which reasonsibly might
atJfed such determination or cam. Banower shalt do be neepotrttble for the payment of nay fees
imposed by the Fa&W Rmagaucy M rent Agmtay ah cons cam with ft ru tow of my flood zone
detenniaadun resulting firom an objection by Banower.
t"RIOW o m-
-4A(FA) WN) P¦y. e m s F f' Form 3689 11e-1
O K I 978PG 1698
Jan 11 2011 03:16am P015/033
01-10-'11 14:10 FROM- T-668 P0015/0033 F-705
5000074297
If Borrower fAs to maintain any of the oovereges Swat' above. Lender may obtain inmpra w
coverage, at Lender's option and BMOW's an mf? Lander is under no obbgadm b ptuchae any
part OW typo of aa:ctnA of coverage. Tharfare, soda MYMP shall cover Lender, but night or milt not
prober Bamwer. Borrower's equity in the Pfowty, or do cortlenls of the Ptapaty, spiMmay dale. hand
or lA ty and might provide goedw ar )COW cover V dw was ptmriiopsly m elect. Bnnovrer
wbowlodgea that the can of the ftmw 00'VMV SD dkdmd wj& ¦gaffixg8y wu=d the ooet of
insurance dwt Borower could have obtaane L Any Krems dhbumW by Legdpt under to Section S shalt
beware eddildooai debt of Borrower seemed by Ibis sa mity immouent. '1im moo= dmn bar mftm t at
dw Note = from do darts of dMm am+ent and Ann be payable, with much inimcst, moon ounce 9nm Lender
to Borrower regaeo ft paymoot.
AD Wus aace policies f" mad by trader and renewals of such policies staff be subject to Leader's
right tb disapprove suede policies. Shari include a Amdard mmt Mc c*mc, and almll name Leader ms
marteaga And/or as an addkmd bras payee. Lender shm>r have tie x gk m hold the poftft acrd renewal
cerficaw& If Lender noqumeem, Boomvn r abate pnorq y give to Leader ail receipts of paid VwA;uaas and
renewal notices. If Borrower obains any firm of bourana eoveng% not otherwise required by L.eodty, for
damage m, or deaairctiar oti the Prepare, Such Palley shall Made a swtdard >wmrtg V cle me and shell
name Lender as, tgotxiyW am4ft w an additional loam payee.
In the event of loss, DOMD'wdr shmlt Bice praapt WfW ID the MSWMW ca®er and l .adea<'. L.tnda may
MAIM proof of loam if not made promptly by Barowpr. Utd= tendon ad Bwower atb "c agree m
writing, any inaauemnce Proceeds, whether or not the undai*g kwmmx was nquimd by Leader, shall be
2WNcd to rasWotion or repair of the Pmparty. if the 1, is r ? ii -- or vV* is ownuudm* fesuve and
Lender's sematy is not bssaoed. AufLlg such fqw and rsasaation paled, Lander shall have tlo right 10
hold such iastoce pmoaeds until Larder has had on oppar My to inspect sntb Freely w to= the work
has been comphOed to Larder's Win, provided tlmt such bmpadun obeli be, tmderaalren promptly.
Lendef may di*o= VMceeds far the rapmira amd r kmflon is a Angb payment or is a saiam of pevWm
paymeaa am the wok im coampleted, -Unlesm at tt2oeematt is mmh is wdit..w. An*". Lwr,mpd es
iatAcd W be paid on such Jon== proceeds, Lender abdl not be requacd co pay Doemwer any k team cff
eamisga oa mach prtreaodm. PM for public ag UOW. or other ft d pedos, retuned by Boo UM shell root be
Paid Out Of the iraMnoe promodm and shall be the sob ob WWnn of hoes. If the m aom on or r air is
not eoommoffy friable or Ltado's w=hy would he maenad. die bma=c proceeds shell be app W to
the stuns secuaed by " Sacurily Iu lnuneaa, whaAer or rat dice due, wo the a aNK if my, paid m
BOarawer. Suds hotamtoe pmo eh"be ti vW in the o.dar ptavided far in Section 2.
If Barrow e r abandons tlae Plnpaty, I.euda way file, negotiant and mettle my avaiVA inwmtoa claim
artd rdatod maumts, If Sorrows does not ><egw0d widrb 30 days ao a 20ft hM Letter that die noermatce
ca of a has o trod b addle a rimier, lbea Leaden nay negag b and scab We daim. 71ta 3o.dty pwW will
begin whin the nouoe is giver. In Chien evert, of it I,endrr MOM tie Propaty undo Section 22 or
odre whr,, Borrows hereby =*w to Lender (a) SWO"'s to say imOMM proceeds in ara ammot
not to emceed the MMM unpaid dander trio KM or 06 Sectaalgry Ire ==9. and (b) any ocher of Borrower's
rights (udw don the ,right m any Wad of steamed poem bnox paid by Boartower) under sIl inannnm
pelt = Mversug dw Paropacq, mod w a such q`hts ne opplict ie to the covarmga of do property. Lmrdwr
may use the hwim m psoc cedf eidter to rcp* 0r major.,; on Ptoparty of b pay astlunta unpaid undar the
Note or thin Sew* Lom mot, *het* of not than doe.
tft-aA(PA) loesz) Page 7 or 14 Form MM 1101
Bit1970PG1699
01-10-'11 14:10 FBOM-
6000074297
Jan 11 2011 03:16am P016/033
T-668 P0016/0033 F-705
6.Ooeupamcy. Botmwer shag occupy, eemhW end use the PmpeM as Dorm w's pdn*W residence
wilbin 60 days after the execudod of this Soaarity Instalment mid site! eondtmc to occupy the Phvmty as
Bonowces p*wAW residence for at kart am year doer the dale of owupmey, wdess Resider otherwise
Wm in writing, which consent shalt not be mmasoaably wit &cA or unless Gxtmuming dwmnadmm
mist which arc beyond Borrower's coned.
7. ftesrrva*00 b am" and Protection of the Prep"; bspecttm& Dwower shalt teat
de m". damage or mvaa the Psopedy, allow Wo Pmpetty to dmmrlm m or cmasstt waste an the Property.
whedur of not Bmiower is resift in Okc Property, Bwawet shift i tie PmPeuty in steer 0 pCevent
the Property from desrriora ft or demming le value dub b its condition. Uialesa it is do I aaainetd pursuant o0
Somion 5 that rem cc few atioa is mot economically heal le, Bonowe r"pmmpdy rqx* tit's Pedpeaty if
da mMed tp avoid further dubedmalion or de u"& If ire or cmdmvMo proceeds me paid ire
commtkm with damage: to, or tic tataeg of, die P:opaty. Bonoaeva' shell be Iaspo al& for tep"S or
re*xM the Property only if Lender has rakmad, pmaxx n for smch puposes. Ianda may dub me pmceeds
fcz the rqm ad restoration in a single p4ym4mt of in S aeries of propess paynieaoe as the wa & is
completed. If ft insurance or candmuseiai proceeds am not mffiaeat to rqw or ressm the Pivpeny,
Emm r is not moved of Bonoweem obB pdm far the comple ioa of such apir or rvamradat.
Lender or its agent may make vmonable entries upon and inspections of On Pmpetty. If it has
remomik cause, Lender may inspect to tnle&r of to its at the Pmpacty. Leader shell give
Bmmwn notice at tare tune of or prior to mrA as inndrier inspection Wxffyiag such reaaom* comm.
S. Beav wail's Loan Appfleiti wL Banwor shag be in delbalt if, during dw Lam gw*adm pw ms,
Borrower err any person! or entities ac*g at the direction of Bomwew or wsh Bonowcr's knowledge or
cotuemit gave mn0aially falser, mhkadlog. or iapoecn0 iofomumon or simmum to I.drder (or faeces to
provide I Caesar with mate nmL i» manor) im camnecdon wilh the Loan. lldat and gpmmlebm mckidc, but
are not Fmdtcd so,repraettmtioos eoamning Bormwer's occu mq of ttie Properly a Bonoowr's pri?cipal
resiftce,
9. ftefecflaa of Lesdeir's Iafereet in the P'cWaW add 1RWO Uaefar stets Sects* finlrmmaat. If
(a) Borrower faits to pmform the wv mmim and eoaftdaed le this Serhmoity b0to mt. (b) ftm is
at legal p mcoediag that might s4a brandy affm Ldmder's intes+oet in the Plop* and/or rights under this
Secority Inettnaseat (inch as a pwoeeding in bmkmpaey, pwbwc? for condemumth n err bCSfaidaed, for
eutoeoement of a list whtoh ioiy algin pnX4y over stiles Secimty hUMMM9 Of m dadbsoe ISM OF
rq dtatiune), or (c) Barfoww has *mu m W die PwpcM, there L=ft any do and pay fir wbaoevear is
reasonable at a pprop hft to protect Emdees uses in tea PhV" and d &NO us* this Se caM
Iirsnument, it tg prolacdoX and/or assoms" the valve of the PmpwW. and mewng amd/or rdapairiug
the property. Leaider'a actions can ie lm* but are not IiioiOed lx (a) paying any solar smand by alien which
has priority over dies Security Iatkuaacat; (b) alipemrigg m cosset; and (c) ply M nasm*b sttarneys' A= to
pnoleet eta hilannt in die Plrop wW aad/ai 40% under file gwm*y Idatturaaeat, >y *Adoig its soeaved position
in a bw*nVicy pmow tg. Sec ming the Plexmty includes, but is cwt lmim4 id, emkft the Pmpwty so
mWVA xeus, chmtgr, lodes, rgtlaoa at board W doors and wm mss, dim wdw hm pipes, mast:
building or odder code vidle m or dogerous eonfiWaos, and have vftu named on or a& Albm&
Leader may smut action under dcis Section 9, Leudpr does not have lo do no and is not under say duty or
obligation to do m. It is agreed tint Leader incest no liabffity for not mbn my at alt actions au&adwd
under this Seedon 9,
lam"_ • rrya L
Fotca seises Wray
lfA(PA) tewagi Page o of 16
OKI978PG170O
Jan 11 2011 03:16am P017/033
01-10-'11 14:10 FROM- T-668 P0017/0033 F-705
6000074207
Any amnomm dWnuaed by Lades under tws Section 9 " become sddmoW debt of Borrower
samed by this Security l'ttetrnutemt 'Chess anwrb " bear kaetto at ft NOW rase fim the date of
doburmsent and shill be paaya * mdt such mter-cst, upon notice fnxu Lender to Borrower requesting
piayrncut
ff this Security harument, is on a lessdwK Borrower shall comply with alit the pamavialomt of the ban
if Bwowc r acghks fee tide to the Prop", due Iesaehold end the fee title shall not merge unless Lod"
qnm to dte meow in wrideg.
10. MwtPp lonrum 7f Lender regae+ed Mara M hunt nce as a condition of matting the LA=.
Bom ww shall pay the premi mtta required to mama in the b fizipp h u muce in olFe L g. for my mum.
the Mmisw buzomoo Cho reqund by Lender cowers to be available ft am duo tmmfop lout= drat
pr' provided such howunce sod Botaowe r wtas regWwd to and z separmtdy dcnpdsd paynow
unvard the pa novas fox Mkrtgap Issuance, Bormwe r "pay the p minim w r+eq*M to obu m cove mp
sabsmttdally equWatt to the Mortgage bwz mte pmviot* in offal, at a cost sexttm idly equivalm to
fie cost to ];avower of the Mousse unto previouOy in effect, from an alaeanate aoo& f;mm
selected by Lender. If mbsmnddly equivaleat bfnmiguge bw m ux* covaesge im not awadd4,- Boeower shag
coatio»>G m pay m Lendr,C the Amount bf ?e septattbiy duaignated paypaetlar tbat?t were due whin rte iamtusatce
eove=ge ceaecd, m be in effect. Lender will mapt, use and relak theme p umemts as a uon- bb loss
row" in lien of Mantgatgap Inso mca. Such toes reaaeve sW be no*gefmdiW ootwideeoaudimg the fba drat
the Lam is uldsttsidy pail] In full, and Leader stW not be regained to py Bonnowor joy iaseaamt (w eetaiags
on such ]Dies ieserro's. Leader can so longer regmrs lost mmwn payments if b6m;pp hamwe covmp (im
the now sM for tin pww that Y.e+tder nquirss) prv'vided by an insurer sdocaed by Leader agamit becomes
available, is obtained, and Lender neq kft eepata * dent ubd p0mants torraued due ptw&mw for MamW
Insunanae. If I miler re*mW Mamwp Imuffance as a coudmon of aaaatat)thug the Low and Borrower rues
mgmmvd to nW= svwi * denign"paymmfm toward the prl mwA for Martgrga hwffntce, Rom*=
shall pay to p rwAk rm nquited io mdWtWn M rqW 7n x in efreM ar to provide a nott wroodable loss
Tewrvo, until Laadear's mqu m meat for MntWp b atmow eadm In xza dmoe with my writetat spoement
betwwn Borrower and Lmder pro idotg far aiaolh tesmmadon or tatter btT on is ngaW by Applicable
Law. NeO ft is this Section 10 affect;19am frer's 0111 -au ID pay imtatat at top raftPIQvdtbll:in_dtg KO O.
MovWp Inmumm rdmbtwm Ltaadaar (or any on* dw pardwm the Nob) For calm loasca it may
incur if Boutrwer does not, teM the Loma m agwed. llorwwa is not a party b tts Mange Iaat>e em
Mattpp slams evAnde tbeb total uA on all sattt mmm im Ifonoa fCpml time to lane, and may
enter moo agmoe t with odff patties that shoe ur modsfy t%k ii*, or reduce loaaes Dese egmmow in
on tarma ad aonbkw thmt am s Wobatary to tie taortpge bmw and tits odff patgr (or panes) to these
agreements. 'l v= ngeoe ncM my >iapdre the at z%W ]saw to make pgmmtm ?S my aoamoe of fimms
drat le moMage Wmw may have aver Uft (whzb may include hulas obtained firm Mortgmgs: ban=
psemk0w).
An a rrmttlt of these agreements, Lander, tarry p wheser of the Now. mocha tower, any rz , any
other entity, or any afBlitats of any of dw bzgatng, may =dve (dit=ty m bvdkecdy) amamts tat derive
from (([ might be d matt a hW at) it portion of Borrower's payments far Mwpge Iammu m. in ecra kmp
for Owring at iwodityimg the mmttgsp hww's ride, or xAw. tg kno m. If brill agmemattt pmvidrm that an
affffloae of I.mdm makin a shone of tits insurer's rids in owhoup far a stmre ad' the plea h= paid io the
insures. dw aawnpa dis OMM umbw "04aven swuraaon." Futdw.
(a) Any suer agremmk wA Ant meet alts amtN1a tint Dws wet bm apm d tin pray for
Met VW LeaM'aeteeti or nq other teroas of Ire IM M SO& apee?etli wN not faastemtas am aasotmt
Satnroww WE awes four Yoga haa zwvrc and they wl0 Mt ems I&I Dwmww to aq rehnd.
4".sA(PA) Pom Pas. s a to
Form 3M von
8K 1978PG 1701
Jan 11 2811 03:16am P018/033
01-10-'11 14:10 FROM- T-668 P0018/0033 F-705
6000074297
(b) Any sah spvm mu wig not affect the rlgW Hotr+awlnr ba - it arty . wk6 ,reepeet to fife
Mas e>< mnae mar tie 1Eioars0wiaeaa Pmleatioa Act nr IMl er =y oOW law: Thee rlOb My
?? ? to "Mm eerbL diadoatsr m to rem and oitri¦ casruilatian or at &e ta-91humpaw- ----A
WPM , aw* to nod" a
)bsmararoe
on s a: tie Om dm* taNxImIlm or hnuammIa.L
L ?A ustelst of ? hVCemb; Fot:rebm. All b6aoe?aneous PtOCeaeds are hecehy
MiPW a?tttdd a6? paid to t4 der.
If the Propaty is damapd, each Wscelheoous Aroceeds 49 be applied n r I mwelirnt or tgpik of toe
, if the zest" Am Cr my* la e y feaOIC and l eA tr's mm* is not lessened. Dod.1;
such IVW and rraaetatim period, I.eadet skit have the rot to hold then Mtn:eiltt MMS pWoaeds mg
Lender boa had an oppoft* to inspect such Ptapaty to More the warlr has ban Meted m Leader's
sedan, provided that such inspection *0 be undarAen ptotapdy. Lender may pay for the assess ad
netst0atdaa in a sqjM didymamert as m a sa?os 04topress P W=M m the work is cmupiena Leas w
agtnm CW is aim& in wdOm m App*" Law-ragaaes;p, reat t0 be paid on such h0x*mjp@uu@pmOpW
Lander shalt not be mqused to pay Bosmww say intaeat or mWmps on mad I Mmeoas proceeds, ff the
r0ftormckm or zq)* is not ocanottticalfy femble or Lender's seam would be ltaamed. IM 11mml mma
Pioeeeds shell be q@W m the stuns secured by this Sarrm* lnstemteat, wha bor or not am dos, rvldt tine
OWNIM. If any, Pais! OD Bunuwer. Sod Nfiaelloneous proceeds shad be appbd in the 0nnIr provided for in
Section 2.
In the event of a tatai MdM, deahttcfm. or toss in value of dw P>: wly, the h&ea mss Proceeds
shaft be applied to the sums see uW by Shia Security k*uum*, whAer or not dm due, with the excess, it
any, paid to Baararw&.
In the event of a puM Mkn8. dm n mdm, or lose in venue of the PtOpexty in which fife La marla~t
vales, Of the Pkopary k mGdia* before the MW itliattg, dent uodon. or laces in value is eqrat to m preanr
dart dtc am= of the beaus mcmul by this Seaseity IuWrm neat
?, or loss in vtdao, tttt 0 Hotmwer sad Latdtr adtetwfee MM in w?, the suns an bah s?
Sscurt7' btsbtumm shall be redaoed by die amount d ale uummAsaeoua Pncm& odd by tine
??S hut: (8) etc total samslgt Of 44 sums axaed immedat y bohn the porM mldog, dttahwdm,
at lee in val m divided by (b) On fair m4daet vahte af dta ]Pm WW itmnp>ia* betrp the pest tom,
destruction, or loss in vaLte. Any btitt m shine be paid to ftwowpt:
L dac event of a pad Wft. destruction, or loss in vakte or the ftgMty in which the fak madcet
value 01 60 1'1apat7? itumaft* before dos putrid Palms`. des4tactina, ea bss is va m it less d" the
ataount 0( acs smra sopaed immadmaly blare tht: pttttial kathtg', desmwWn, at loss io vabte unless
Bombs' and Lender otbawme 4pm m wraiuS+ tits Miea+ltatteoas Proceeds "be applied to the sums
socuted by this Sccd* ltaattIment wttodter or not the aura are than due.
If rte Pmpertr is abandoned by ,Bmmww. or If. dpi notion: by I,aaclm to Bosnower that the Opp"Wg
Pnxty (as duped in tits neat smf M) Off M b mice an awrad b mite a dWm for dttlmages. Baaamwer Let
to rc poml to Iauda w'Am 30 dap sAw me cube the soft is gim. I,datdcr is tatrlasiaed, to coiled ad
?16e hINdWXM PtOOeeds etither to txabpt7Miaq at repair of t{te hopnty at to tke tuts ttttmtad by Ills
lnetgnso?
Pmceed whdha or not paw due. "O"wing platy" mtaas dot d6d party *M owes Boreower
Ptetcoeds or die pety against whom Dmowex haw a s ght of action in regard to 1[ soel kmu
a.
Bataetwer shad be in dda k if any action at pmxmft. whdtor civil or camrojU , is began asst, in
Lwdcr s judgtoent. could veso}t in WO&M of the %VVW y or other m daM b of Leader', fi*ftn
M *0 P,eope<ty M under this &Mity 1<nvlCUOteat $UUM M OHM Buck a dab* anti, if WO&Wation
has 00=04 test §M At provided in Section 19, by mft dw sedan Of peooaeing to be Mmimd w* a
rebut; &, ip I trader a)MOSO w4 FaIldw fiarfaiore of the Property r other maybe d kMdmm of
4ft-GA(PA)4cw* PNDG 10 of ie
IRWNa: / I{_411 P, Form 3M 1181
Bi { 978PG 1702
Jan 11 2011 03:16am P019/033
01-10-'11 14:11 FROM- T-668 P0019/0033 F-705
6000071297
Lender's intmeat in dw Isnperty or 14hts under this sooty fasta,mcm The poceeds of any award of Claimh
for daamagft that are attributable to the kod went of Lender's intefest in ft PtopcM gyre bm* maignod
and *AA be paid to Lender.
Al h9wdlaneous Pl ooeeds teat an not applied io restoration or rqw of the Pmp" eM U be applied
in the on* provided for in Section. 2.
12. Borhnswor Not Bdaadl; Forbewamw By Lerida Not a W' dT z. gamma of tit tim4 for
4haaymeat or ehadi5=emt of m.ho*atioA of die soma nonmed by thin Secm* Iuanouent pulad by Larder
to Borrower or my Successor in la t mat of Barrom " not operate .o releare thin babdiey of Harrower or
any Suocerlsors m Intnm of Horner. L ulm slat not be rogwreet 0 compepce pracoodlap agam ray
succe w is Intreat of Borrower or to ntm oa O tdtd time for payment or odtawiw modify emmd atioa
of the same secured by ft Socumy rnsaaa>mit by maw of any demand made by the o ffal Banowrr or
my Success rs in Intweat of Bottuwa. Any fabesraooo by Lender in exmdatag any x k or ramedy
u4u&g wid airt limitation, lmxk 's accepmee of payumu from tdrd per. entities or 3troceasus m
I *mA of Borrower or in aanoonts leis than the amount *w due. shall cot be a waiver of oar preclude the
axerciae of say ,night or surety,
B. Jdd ahhd seveoalLIOft; C*4p m,- Saccealaars Alit AmWaa llo=& Bonder caveaeats and
agras that Bom mores obltgAbbns and WWitY shalt be joist and wvesal. Howavtr, may Bot rower who
C" W this So mrity Inatrum at but does not =a* the Now (a -co-aigma): (a) is ca-skni g this Security
IUW== only m MMVM% stant and convey du co4gne es kWest in the Ptnpmty tmdoe l ha tunic of dins
Security I manent; (b) is nat parsonsity obliged oo pay die chums aectm d by this $oca ty barmnant; sail
(c) agraw that Ian and any aver Bommer con agree to o **A modify, fiotbear or umb any
accaumiodadons with regard to the torahs of dtis SeC=Y Ieatruenent OF the: NOW without t1e C40 s-Mper's
consent.
Subject so The provhdous of Section 18, any Successor in Interest of Bcwowet wbo assumes ms's
obligaa/oiw under dins Secsdty Imttumeat m writing. ad is approved by Loft, shalt main an of
Bonmwar'a right and bmefils wtdtsr this Security U tumtat. Borrower shall not be released from
Ba uvnes oblations and Uabft udder this SocadW btttundu uhbas Undw agrees to finch rolaee e u in
wririag. The covemath4 and 4gm& eats of dos Som y iostnrment dal bind (quo as prrivii -iii-Sacdbn
20) and bmntit die ntocesuns and assigns of Linder.
14. L9im Oterges. Lender may dtarge Baaower fam for nvims p chimed in Coemocaon with
Borrower'9 ddliailt, far the propose of prgotcsiahg Lender's inttrest in the Pmpmty ad 400 wader this
Security it Mmmatt, indudit, but not lhnibod to. sltmWa' fees, properrtq inspection sad vd%WW fees. In
regard b any other fees, ft absmhce of etcpress aniiu7h* in sus Sam* Inalrtsatent to chage a apecoo fee
io Bissowar MU not ba taa?Sfted as a paiohtib iii on the titer M of snag ft. laid may not charge ft=
OW we eapudy peohtMW by tiis Secinity emit or by Appfbte Iaw.
If the Loan is sd ax m a law which sets thta><iaanm loan cbKgo, w d that law is gu ny inimpexed so
that ties iatipm or other loath cWt m collected of in be ouRood in cameo $m with die Loan taaceod dre
pmmitt ed litmla. theft: (a) any such loran charge shall be reduced by tine a Kmu netaAtatry to reduce the dmrge
Z the permised but and. (b) shy soars already caner hod from Bo rower which Gtoceeded pensWed llmjw
will be nimidod to Borm or. I,axW may cbo99e to mate ibis rdied by tine pWO awed uudet
rho Note a by md* a direct payment to Bwoww. If a mfW d nedm a pinup *ft reductiaa wilt be
ft area air a purW pptpm== whbont shy pooiMment clop (whether or not a pepaymett charge n
provided for trader die Note). Bonowees wceptmoe of any Bach xdw d moo by direct payment to Borrower
will consomte a waiver of any right of action Rurowes might have arising oat of saclh ovekmatge.
NA(PA) peos!h Pap 11 of le Fenn Son t101
BIB ! 978PG 1703
01-10-'11 14:11 FROM-
8000074297
Jan 11 2011 03:16am P020/033
T-668 P0020/0033 F-705
Is. Notices. All noticas given by Borrower or Larder in connection wilt this Socuray Inapt mast
be in writing. Any notice to Darrowa in emsection wA Ws Sftuv* ? oWnent shall be domed p gave
been given to Banower when mmlcd by fi* class ador winern aclualfy debverad to Boeloo*ves notice
Adtltsas if sent by ether means. Notice to any one Darrower " CODO rote notion pall Borrowers uoleaa
Donviver den p md, expressly aubet W no** adder notice W Lende r ?B the ? ptompdy Wy
Ltahder of Bamvwea's chanp of address. If Leader epoc3liea a p mce& as for neperdng Bcrz+aurer'a dump of
addteas. don Boorower dM only report a chanp of a kkm through do spetd8od lttopodcart. 7beee may be
only am deteara m eed n oft address under this Socarity IMkUMQnt at any ono dose. Airy notice to I.eadrr anal[
be given by dtli<vicerlmg it or by ttwt"Gtlg it by fist claaa marl to Lender's address sued beirin' unless Leader
has dulipmed a nckr Wrew by uotim to $ejolowa. Any rAace in counoction with this Secutky meta art
don not be dint to have been given so Lower untrl acwRy rocelved by Lender. Tf my notice requind by
due Security lummtetn. fa also acquired miter' Applicable Law, itie AppliCWO Law roq*Onun wM satisfy
the M mlpooft regobatneat nnditt tfa Seemity Lament.
1L Gove rub g Law: St v l )Rubes of Caltdbatt on. This Security Lw roment dui be governed
by federal law end the law of the *Wicbm is wWd the hoperty is locoed. All rWo and etitligadona
cout*W in this Seawky bui uunwat are a*pa to say regWremana and *Aadoms of Apgacabb LAW.
Applicable Law alight vsly at implicitly Allow the parties io agree by contact or it might be adenu, but
such ailatoe shag not be coo tted atr a psoha t u agtruat evaetuent by e:wtltat:L In the overt that any
pnovinba or dense of this Se culty Itwknment cc the Noce dicta with AppHooble Law, such conflict shell
not dka offer provisions of this Security Tnetrameat or tine Note which = be ghee er8?ccx whhont fhb
confucting, provitrioo.
As used in this Security Iustnunent: (a) weds of the mssm9m gendw shalt mm and etc"
corh+gpaesd6tg neuter words or wotds of the hminiine gendez; (b) words in the angular slug men and
mck& the phmd and vice versa; and (c) the word "may" Siva sok di=ce w0out arty obligation to adw
any action.
11. Rotrawer's Copy. Bom wer ill be given one copy of #a Note and of this Seem* Itwtn tt
I8.7Y>noft of dw PhWaly or a Boodkisf rest ii Ban wvr. As used in 06 Section l$,
"InseaC, d in idle Peapeaty' means we loan or boeficdal interest in the Trop y bdu*g, UTttM Am tpd tD..
those bme&W inmrsts tai ndloed in a bond f6r deed, eoanot for diead. mststhoent riles contract or escrow
agmenzem the in= of which is the transfer of title by BoaQwe r at a Um dolt to a p o tshosetr.
M all or any part of the Property many merest in dne Rmparlq is sold at Is esforred (at if Banuwer a
was mamal person and abmcficW iaseeeat io wt r is elold tar ?t?atoed) v i epdpt'a trios writoen
consent. Leader nW rogWm imaediate payment b full of all soma roomed by ddss i btmrusnt
However, this aplim shall rot bo aert:lsed by' Am frsuch ah =ise la ptohiUW by Law.
If Leader == = this option, Vender Mall give Bw wer notice of awdiatnm. The notice shall
provide a period of not less !trap 30 clays from the date tine notice is given in WcOWl = wide Sectiorh 15
within whkh.Bosroteehr seat pay A Mu secated by this Swr* fit. If Bopppwor fide to pay dress
sunw prior in the n of this paipd, leader may favahis any rmedies parmined by thin Sechrrq
In*vnt at wribouthriber notice at danaad ou Summer.
19. borrowoes RWd to R46mft a After Acceb aliom If Bonrowerr am% e?pin cooddons.
Bamroverr shag hsrve the right so have eafOra of this Swift Instrument discontinued at any time p wr
to tore west of: (a) f ve days befoae aerie of the PhW r<ty pur nost to cosy pourer of set combined in dds
Seewity bamment; (b) such *Ow paood as Appbcabit LAw mq trt qm* far the teotmineiom of Borrower's
right to Mrsstsee: or (c) entry of a jadpnot enfasr:ug this Soma* Itwoemerat. Thee oD ou me that
BQUOWer.' (s) patys I,?nddr A stuns which then wovW be due mdsr this Secanty 3hwiro a had the Noe as
if no wAxiermion had aoco>rod; (b) cures any defaak of my other a aaots or egreemenQ (c) pays alp
Impala: i PWK
"-41(pwl te+eos* Po" 1C of W Form Sorer 1101
BK 1978PG 1704
Jan 11 2011 03:16am P021/033
01-10-'11 14:11 FROM- T-668 P0021/0033 F-705
6000074297
expenses itttxmtd in eafarring this Snatchy httttnnsau, schtdlag, but ubt tainted to, reasonable ateornoys'
foes, property InjP== and vahmas fees, and orlon fen iRcmed tour ft ptupore of prooadin8 Latch's
IUIIxest an dbe AropatY and rights under die Seat* Iaslt mmt and (il) Ikea such a dud m Latdtut may
Z=WMbIY square b attmute drat Lender'3 i ftM its dte lkopany gad ljob under this SO=JW It onnierK
and BmwwWs obligation 10 MY due stuns aecu+ed by dib Semstrity hwrntnmtt, eta wn&w mbdboaW.
Lender may rmgWw do $orrower pay such >dtlod man arms std aspen= in on or urns of the Aftwing
facma, as wkcwd hY Lender (a) cash; (b) money order. (c) C Choy, bunk tdreck, etama[er's check or
Ci911 W3 dWk. provided my A ch chit is dmwe a upon as insGwit im whose: tlttPOW ate i tweed by it thdtaal
WIcY. iasaD uN ualaty? or w dtY; err (d) Bimeshumc Fgnds T der. Upon teMmannt by liouowa, this
Saauity 7nsttsuwat ante obfigadom secured hareby draA ranain fully dra dve W if so as denidon had
occurred, However, this right 1o fdttsW sha11 not apply In the case of aocoo ouch Section 1s.
20. Salty of Neft; Clratage of Loan Swvhw; Notice or Oriavwuce. The Note or a paw irAmw in the
Nose (109cther with dais Socuaty IRSMmzat) Cart be aold onus; or snore tithes w4mutprior Ramon 0 b=ower.
A uk might reads in a dmp m #0 entity (ksnowa wa the "Lana Snake'") drat co&* pwiic Paytssems
due under the Nate and ibis seem* Inumo M rand pafamm other mt rqW laun servicing Ob4ldm
antler fire Now, tisiw Sec=y k acugront, sad Apps Law. T1tm SW might be one or meoee'chsages of
the Low Servicer mieeww t4 a sale of the Nola If &M in a drama of do Loan Services, RCrrowec wa be
given written noucc of the chump which tvr71 sto din name and addttua of the now Loan Setvieer, the
addresj to which payments should be made and soy other infarngtt lm RBSI'A wpm in cow ms with a
W= Of Wwsfrr of servicing. If ft Notts is meld and &M OW to Loan is serviced by s Low Servicer odbet
that the psudisser of due Now, the mortgage loan servicing abumdioss to Borrower will stub with the
144 Scz%= or be transfraed m a somegm Loan Servi= anti ace not assumed by the Note pmctraadr
unk a o t mim provided by dbe Now pmtho er.
NW w BttVOW nor Y.mds may emucoc% join, or be joined to any judicial action (ws tsid>er an
i adivid+ttri litigant or to member of a elms) that ad= from *a odor party's actions pmatwrt b this Swulity
Intdrmam or that A t ges that do COW puny haw 1u'jQdW MY Pcovittioq of. or entry MY oared by rewmon of.
this Setaur11Y Iasi =G'k ttnW such Borrow& or Leader ho no 'hied do outer ptaiy (with Fast uotioc given m
compliance with the tequirments of Section 15) of jamb dkgad br+ear I ad diardad eha other patty hate. a
remonable pwmW after the giving of such Robot: tD tr8lbe covectWo ACt m If AppbAb Law p[ovides a tint:
Perms AWI bdbec cam mien cos be tafean, that ratan period viR be donned b be >taaaoabie
for purpom of qua pw wwh. The notice of a wkrab n and opporm w a lure Sim to Btmower pwsuatt
10 Section 22 and the notice of aaed mdau gives 10 Boa+attrer P m= m SMdoo 18 shall be deemed to
n wfy dt* notics and opportunity oo taker coaeave sedan proysdona of this &%fion 20.
21. As used in d is Section 21: (a) "Haaatim Subotrmoes" we dum
substanow delhtod as eerie car hazadom m*st ucea, poll Wft or weseme by &vka=jssdai Law nd the
following jahm"M; Sasothtq ku mete, other A minable or om c. paw* = protects, tmm peocift wrd
harbiciths, voLbd'le OaWe Na. a osdals oonu i*g asbcnlos or foanwlddwde, tad Vdmiawd a mewtda* (b)
"EcvbwMwt4 Law means fitderwl laws N d larva of the jt b&Cdon where: the Property it b2od that tttlato
0 hemlih, tttbtety or CRVit MCBW. p MM]n; (c) "ldav tl •
mclledr.s my ,
rernredial aatiou, Or cameral action, err dAwd in EUvioasseatsd Law; and (d) as 'igvaann=Ml Gostl=n"
teems a cep>ditimb drat can ems, conagnm to, of oWecwm trigger an Erwin meatwl Clawmp.
"n?..r,c • • /"P
4 ft"(PA) Osen P*ou 14 of U ftim 3030 1101
BK 1978PG 1705
Jan 11 2011 03:16am P022/033
01-10-'11 14;11 FROM- T-668 P0022/0033 F-705
11000074207
Bommu shall not cam or pan k die p osm m. use, diapoaal, Mouge. or mdoaao of my Ha?aus
Subataims. at duaq m w x1ow say Hoodona Sttbaaaoes, o» or In ft Pfapxty Bonowa Ad Wert do,
na allow eta else ro do. flaytbing AOpetry (era that is is viol dw of any EAVkDOM"ai
][,aw, (b) creates an BnvAVniaenaal err (e which, dra iia the am a s1ease of a
Aasmdons S?agaca. cae?ea a oDndhiort d ad ersely s td Mta vaius of dks Tho ptu=IW two
seapproset s? not app>ty to die preamoe. ute, or on the o[ a?rpsrr?ea a( Ae?aus
Snbadacea Itpd are Batatdly reeo?ed tv b ttaanutlp? pave and to aaaintvasrtce of
die Properly (Lathgg, bat taB ; b. aabapMteav is ooatuaner pmdums).
B a panmpaty gyve Yeader yvrgteo aollae of (a) aay invcagQedou, Clloaa, deeaaad. haws Gr
HIMUDION or mud LAW wptdr taarorar bat (b) any
EavsovinoW Condition. im*ft but rtot liatiaod to,eqy gdDiag. leaking. dtiscdMrBe, re3aae or offed of
ndeaaa of ea Fk=Cdous Saba wixa said (c) my eoeditioa catered * dw p+aaonco, M a release of a
Flarard I. Sdbat®ce which adverady A&M dw vdw c(tbe PMp w. 7f Bw war learns. Otis aotdfierl by
any govarsawN err =do*, at any pdvM , that as removal or other nmWkdon of any
Haardow,t Substmoe a?' g-te Pmpaty is may, Boanwa AM ply tdoa as aaooeaary remedial
actions is a=tdmw wA Bavimmmonial lAw. Nodliog herder, shalt em to any ebligardon on lBa+desr for an
Rnvi wrfilas ?
NON-U COVERAMS. Homma and Z.41dar fwdw covenaat sad Mm to Mow&-
17. Aeadetrstim, Smowdiea. Leader sin/ gift miades to Swroww pdW to waAWMM Au9t?d?ag
Borr~s Wes& or arty tevWasd or >r snot in dkk (W tat prior to
acede stialt abler Seetlon 1g Mills A fe t.sa. prvetiss oie). IAMdw: M aM??1baaT.?trr
or, aaaort« sol err?±o? (a) dire dditadt; b) the aeliar J.
ra0tdni to case the • (c) wltemi Ste id`.lt
sand be im%4 sMi(d) fiat mtawe to cQe tutee ielidt AN my raves U ? or are
I mAw d"f? it?seem W* flavilm" I Sob de t?a ?ute r 0a? st a wt ut '? tv.pare
im tie M" 'e MEMP-16M tlke aobaslMtoe std a sMtrttllt ere a? atilar dtdtttaa of Unwis to
aeottteytdsa said 1 '01- 1 'If itre - ML " 1r net ttOd ;t I,aattrr at Ba 6"" taw r?egrebw
htrrltdlate
W?MF dlallet salwtRs a m" tilde L? wMiaat 1Ytelratrdeeanad amid
Op" ib
sas4y 11 t Somr j?batrtaawtaaat ly ai I.MiMr Mall be sls"d to meet a8
liat" ? ?? bot fat
awed so,
?? ?aoaN- at tidy s?.-,M?reien .?
2A lteleaaa. UPM of aIl saran sectued br, l?l
and dte eate ??tdraisatt: and heoatte voiC Aft tench ooouartmioe, Lreodcr altatl?ciatge amid
astiafy thi S t. Baauwa Ad pt?p xoco dom coats. L,eirslat mq dwp Bmvwu aft
for ralmlibir No ' INSUIR au; but ody li titer is paid To it third party Bx saws teed and the
cbate oftie so is permitted undw Ap is I.aw.
24. Wstl eras. Baauwer. to dic astmt pumumd by Apphcahb Law, waives and reJmtsov any cm or
fo May of =Wdon, prt frmn aWJvagi%"a and
2S. l alawlA ai at PwimL Bo[totarr'a bate b a pmvi&d in SeCd w 19 strtll yaemd i o on hour
t Martiar, If2" of die d*t aiecavod b M
y 4& Ia t is feat to
26. PON Mum Bow to aatnbe No lo the Ptnpaty, tlrq Iaattranant *All be a pwrrhaae meeay mortgage.
27. Ddaeat Rao Alta ,Ifai? Boemwa a• dad the iadaooet rate psymbb deer a Meat is
entcmd on dw Notts err in an eetion of matagga tbrecbeaee abali lie the rob payable &orn time to ftm mxkr
the Noac.
IMEW PAX ??tp+al (??) +
Pager 14 m 10 r- Form 3039 gyro,
BKi978PGI706
01-10-`11 14:12 FBOM-
6000074297
Jan 11 2011 03:16am P023/033
T-668 P0023/0033 F-705
BY SIO $BY QW, Ewower AMMO and Wm to IM t 0M end wvm= atm ieW in this
Security buuse mt and in any Rider executed by Bomwer and seconded wide it.
Witnesses:
/f, ta+°.'? (Seal)
PAUL I IIAUFK4lW -] oOmwer
MANY I KAUF1lAM .B wwcr
- (Seal) (Sol)
-Borrower BGEMWOr
(Sagd) (SeaD
-Borrower -Bot7owcr
-SA(RA) tos06?
Pyle is or to
(Seal)
-Bors.Wel
FmM 3M IMI
BKI 978PG 1707
-$8tro0Mr
01-10-'11 14:12 FBOM-
6000074297
COMMONTMALTH OF PB WSYLVAMA,
on dew. aw 1 Sth day of December, 2606
mdm%nW oW=, peaaonstly appeffiW
PAUL A UVFMW
MANY AM KAUFMANN
before me, the
satisfacquily prom) to be the p==(j) whom known so ? (or
natne(s} U(are apbacabed to the within iubruinetlt and
nd
sclatowte W that 6%Ww/gtey executed die awns for the pncposes Aeroan comaittod.
IN 'G4 nWESS WBEREOF, I hawnto set my hand and official seat.
My Commission Bxpifes: ;5;4%" •1.3 2et$
c
c9i¦t11Mm x Solo
LP, - --L-. ? ? L.=-,
kAk"I t;. Erse.
%L%
Tide of Oftimr
Cerer"te etibeaide>rrae
z, m,CN4 EL 45 G }fS , do hereby a2* that
the comsat addnn of the wid>IIi-named hftq oe it P.O. Box 2M, Vint, 50 48501-2026.
Wimps my hand this 13th day of December, 2006
- 0? ty--,
?1;c 6w c t 0, 41;s* Asm ofMonpgw
% rra?r J r thk
4lt4A(PA) uses? Pap is at 14 Form =89 l/ot
Jan 11 2011 03:16am P024/033
T-668 P0024/0033 F-705
C~b•rtjWACawty M:
BK 1978PG 1708
Jan 11 2011 03:16am P025/033
01-10-'11 14:12 FROM- T-668 P0025/0033 F-705
8080074197 AD?JUSTABLB RATE RALLOON RIDER
30-YEAR TZRX/wvXAR, AMORTzAnON
(ASmra ble durbe Ufa of Lome) -
Tfw AnWSTABLE RAT81tWER is made this 19tR day of Ewe M6 -
and is mcorparated urw and shell be deemed to amend and supplement dw bfart w, Dead of
Trust, or SoMity Deed (the "Security bwlr ment") of the some date given. by the undemped (4ia
"Bverawce) to secure the B01~2 A,*=Uble Rai* Note ( the "Nok') to
MORTGAGE LENDERS NETWORK USA, INC. (thy "Lwdee)
of the snare date and covering the property dcombed in the Sectuity Inatnument and located at;
6 VILLAGE ROAD , CAMP HILL, PA 17011
[PnopffW Addrowl
THIS LOAN IS FAYABLE IN FULL AT MATURITY. YOU MUST REPAY TM
EN71<RlE PRINCIPAL BALANCE OF THE LOAN AND UNPAID W 72218T THEN
DUE. THE 1ANDUt IS UNDER NO 09UGATION TO RZFRWANCE THE LOAN AT
THAT FINE. YOU WELL, THF,REPORX, BE RBQU=D TO MAKE PAYMEN'T' OUT
OF OTER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FM A
LENDER, WATCH MAY BE THE LENDER YOU HAVE TMU LOAN Wl'M WVJ ING
TO LEND YOU THE MONEY. W YOU REFINANCE TIH3 LOAN AT MATURITY,
YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COM NORMALLY
ASSOCIATIW WITH A NEW LOAN X M IF YOU OBTAIN RI(F WRING FROM
THE SAME LENDER,
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN TIM
E47R UCST * RA'I9 AND THE MONTHLY PAYIYI M. THE NOTE LV4M THE
AMOUNT TAE BOIRROWF.R'S INTERaST RATE CAN CHANGE AT ANY ONE TIME
AND THE MAXIMUM RATE THE BORROWER MUST PAY.
"WTIONAL COVENANTS. In addition to dw covenants and agreemeata made w the
Security Iastzvment, Bormwer and Lender farther covenant and agree as follows:
A. DnTJU ST RATE AND MONTHLY PAYMENT CHANGES
The Note pcovidoa for an initial interact rate of 9.9000 %, Tine Note
pmvides for changes in the iWrest rata and the monthly payment as follows:
4. D TEMT IRATE AND MONTHLY PAYMENT C$A11TGES
(A) Change Dew
The interest rate I will pay may change our January 1, 2009
and may change on that day avety Bth MM& Iffico ber. Bach daft on
which my iwmst rate could change is cailcd a "Grange Date."
(B) The Tudex
Bag MW WA the Bret C h=V Data MY infereat rate will be based en an Index, The "Indeac"
is the six mouth Lm W htterbanic Offuvd Rata ("I.WIV) which a the averse of intabndc offerad
r for six-morrih TJ.S_ dollar-dar OMMAW dapoa" in the Loader rntwtK m p"hed in
The Wall Street Journal- The moat recant Index 60M avriilabls ss of the &* hudam dry of & month
nwood4 telyprecediog the month in wi+hleh the C WwV Date oectas is called the -,Cmv t Indm.
4030ki 4106 .M1,DieJl47'AKE RAIE RMMt (4w,=hfe) pegs i *f4
lUitiaha &A'
8Ki978PG1709
01-10-`11 14:12 FROM-
. ,.
6000074297
Jan 11 2011 03:16am P026/033
T-668 P0026/0033 F-705
If the hW" is no lougoar avails k &a Nek Holder will cbooss a mw index that is based
upon compatible iaf notion. The Note Holder will gave me Act= of this choica_
(C) C9laulatiut of Claps
Before each Change Date, the Note Holder will calculate my taw a0ma t rate by adding
Six and Nine-Unths
pezceartW PoiEX$) 6.90000 %) to the Current Indm The Note Holder Vill them wand the result of
Obis addition to the m mcd arse-eighth of one percentage point (0.125%). Subject to the limit: stated
in Section 4()D) bolow. this rounded amount will be my new interest rate until the next Change Data.
The Note Holder will than determine the amount of the moudAy payment dmt wotaid be
sufficient to repay the Unpaid Principal that I am expected to owe at 9ne Change Date in full on
January 1, 2047 (which is called the "Atnorfindoa Dato") in
substicutially equal huddlments at my new interest rate. The result of this calculation will be the
new atnotmt of my monthly payment.
Ne wAstanwding the O year amertieatica period and to ea alau my mennthly
paynuntr, I understand that I Almot pay all Amounts fiat I owe under this Nebr in fun on or
before the Maturity Date, w lck is anpproAntiMy 30 years from tae date of tW Note.
(D) I.rimtta on Interest Rate Changes
The oitereat rate I am required to pay at to fist Change Date will not be Sresta than
12.9000 % or lose thtun 9.9000 VD. Thereafter, my interest rata will never be iwAvaaed or
drateaaed on arty single Change Date by more than ()no percentage point(s) from the
we of interest I have bon paying for the proceeding 6 months.
My intent rate will never be greater than 15,9039%. My interest We will never be
less than 9.9000 %.
(E) Effective Date of C bwges
My new interest rate will become effective on each Change Data. I will pay the amount
of my now monthly payment beginning on the fust monthly payram* date after the Change Date
until the amount of arty monthly payment changes agda.
OF) Notice of Changes
The Note Holder will deliver or mail to me a notice of any ohango in my iniwest rate
and the amount of my monthly payment before the s6*Wva dots of any cbseSe. Tpc notice will
inchnde information roguirod by law to be given to ms and also the title and telephone number of
a person who will answer any gowdon f may have mpr tug d& notion.
. 403M 4M ADAWA$LH RATE XIDE R (AmmmWA) Pep 2 ot4 fnitial8: Z& "wL
81i1978PG1710
01-10-'11 14:12 FAOM-
6000074297
Jan 11 2011 03:16am P027/033
T-668 P0027/0033 F-705
B. TRANSFER OPT= PROPERTYORA BENMCIAL INTERM IN BORROWER
Section 18 of the Security Instmmo t is amended to read as follows:
Treader of dw PrRmrty or a gns& d Interest hh
Borrower. As used in this Section 18, "lt wrld in the PmpW,
means any legal or bwtoficial bitemst is the "any, ioelu&gg
but not limittd to, those benefieial interests trumsirred in a bond
foe: deed, contract for deed, hwtd maht sates contract or ea mw
agmcanaut, the intent of which is the b=*r of t1w title by
Bortcowar at a f0tare date to a pmvhascr.
If all or any part of the Propaty or any Interest in the
Property is sold or Umfrsred (cc if Borrower is not a Wars!
person and a beneSaial interest in 13onzwer is sold or
travsfared) widens Le KW's prior written ooeaent, Lender may
require innnocdiate payment in $A of all mum secured by this
Secoaity,lustument. Ilowevar, this option shell not be exercised
by Lender if such wrerooise is p Wubited by Applicable TAW,
Lender also Wmn not exweise dus option if-. (a) Borrower
ceatses to be submitted to Lender Inf on rid by Leader
to a bAzte the intended traosferee as if a new lose were being
made to the twohm, and (b) L via dw mssaeably determines
that Len*es city will not be impaired by the loan
asamnpdon and that the tiak of breach of any wva=m or
agreement in # is SpoWty histrument is acceptable to Lender,
To We Went pormittedbyApplicable Law, Lander may
charge a reasonable fee as a condition to Lender's consent to the
loan asatuap4on. Lender may also requite the trau ft a to sign
an asMMptien agxooa Cut that is acceptable to Landes and that
obligates the tttmsfareo to"all the psosniscs end agraanaats
made in the Note and in this Sec itybatrtmtent. Bomwer will
continue to be obligstod under this Note and dds Security
Instmmeat unlem Lender releases Borrower iA wnw g.
If Lander wmtiaes the opdm to regwc immediate
payment in full, Lender shall give Bonotrer notice of
aocelerntios,. This notice shall provide a perw of not I= than
30 days finsn rho data the notice is gi"o7m in accordance with
Section 15 widtin which BonvwEr mast pry all sums secamedby
this Security InsmMm t_ If BoNower dills to psry these MM
prior to the a)q*xbm of this period, Lender okay invoke any
remedies permitted by this Secoeity Instomaent without fi raw
notice or demand on Borrower.
403ett3 44M ADRWAHt$ RA7H 2jM (Affm*t6) PW 3 of 4
Initials: ?+-a+-? ry t.,& k
BBI978PG1711
Jan 11 2011 03:16am P028/033
01-10-'11 14:12 FROM- T-668 P0028/0033 F-705
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B'l? SIGMN'G DMOW, Bmovver amepts and a8mms to tho terms and co =anb eantained in this
Adjmg" Rate BlUooa Rider.
PAUL R KAUFMA (Sn91) MARY A KAUFMAtMI (Baal}
-Borrower ,rower
(3"A (Smd)
-BMOwCr -Borrower
.. '4030R4 4ftA1)AWABURATE RIM mil)
O K I 9 78PG 1712
page 4 d4
01-10-`11 14:12 FROM-
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CkX" USA, LLC
as agent for
L&WY* s TUM Msuramo Corp
COMMENT FOR TfftA INSURANCE
LEGAL DESCRIPYION
Jan 11 2011 03:16am P029/033
T-668 P0029/0033 F-705
THE FOLLOWING DESCRIBED REAL PROPERTY SITUATE IN THE CITY OF CAMP HILL, TOWNSHIP OF LOWER ALLEN
COUNTY OF CUMBERLAND, AND COMMONWEALTH OF PENNSYLVANIA. TO WIT;
ALL THAT CERTAIN PIECE OR PARCEL OF LAND, SITUATE IN THE TOWNSHIP OF LOWER ALLEN, COUNTY OF
CUMBERLAND, AND STATE OF PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS,
TO WIT;
BEGINNING AT A POINT ON THE WESTERLY SIDE OF VILLAGE ROAD, SAID POINT BEING THE WONG LINE
BETVWEN LOTS NOS. 21 AND 22 ON THE HEREINAFTER MENTIONED PLAN OF LOTS; THENCE IN A WESTERLY
DIRECTION ALONG SAID DIVIDING LINE, ONE HUNDRED TWENTY (120) FEET TO LOT NO. 48 ON SAID PLAN; THENCE
IN A SOUTHERLY DIREC710N ALONG LOTS NOS. 48 AND 47 ON SAID PLAN, SIXTY (80) FEET TO LOT NO. 23 ON SAID
PLAN; THENCE IN AN EASTERLY DIRECTION ALONG LOT N0.23 ON SAID PLAN, ONE HUNDRED TWENTY (120) FEET
TO VILLAGE ROAD; THENCE IN A NORTHERLY DIRECTION ALONG VILLAGE ROAD, SIXTY (80) FEET TO THE PLACE
OF BEGINNING.
BEING LOT NO, 22, PLAN OF HIGHLAND VILLAGE, LOWER ALLEN TOWNSHIP, AS RECORDED IN CUMBERLAND
COUNTY MCORIM`3 OFFICE IN PLAN BOOK 3, PAGE 98- HAVING THEREON ERECTED A TWO STORY DWELLING
HOUSE KNOWN AND NUMBERED AS 8 VILLAGE ROAD, CAMP HILL, PENNSYLVANIA.
TAX ID t 13-23447-445
BY FEE SIMPLE DEED FROM JOSEPH R BRELSFORD AND LESLIE A. BRELSFORD, HIS WIFE AS SET FORTH IN DEED
BOOK T 34, PAGE 714 AND RECORDED ON 9110/1990, CUMBERLAND COUNTY RECORDS.
THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY. THERE
HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE.
I Certtfy *& to be mcm ded
in Cuanba nd Coo* PA
R>>=Tdor of Deeds
RN 1978PG1713
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
FILED-OFFICE
OF THE PROTHONOTARY
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
2911 JAN 24 PM 2: 41
CUMBERLAND COUNTY
PENNSYLVANIA
LNV Corporation
vs.
Paul R. Kaufmann (et al.)
Case Number
2011-395
SHERIFF'S RETURN OF SERVICE
01/20/2011 08:03 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on January
20, 2011 at 2003 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the
within named defendant, to wit: Paul R. Kaufmann, by making known unto himself personally, at 6 Village
Road, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to
him personally the said true and correct copy of the same.
RYAN BURGETT, DE
01/20/2011 08:03 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on January
20, 2011 at 2003 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the
within named defendant, to wit: Mary Ann Kaufmann, by making known unto Paul R. Kaufmann, Husband
of defendant at 6 Village Road, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at
the same time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $57.50
January 21, 2011
RYAN BURGETT, D
SO ANSWERS,
RON R ANDERSON, SHERIFF