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HomeMy WebLinkAbout11-1977 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST CIVIL DIVISION COMPANY, AS TRUSTEE FOR GSAMP 2006- FM I , NO.:/ I ? 77 Plaintiff, vs. TANYA M. RITZ; STEVEN M. HITZ Defendants. TO DEFENDANTS YOU ARE HEREBY NOTIFIED TO PLEAD TO THE ENCLOSED COMPLAINT WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A DEFAULT JUDGMENT MAY BE ENTERED AGAINST YOU. I HEREBY CERTIFY THAT THE ADDRESS OF THE PLAINTIFF IS: 3476 STATEVIEW BLVD.. FT. MILL. SC 29715 AND THE DEFENDANT 242 Lowther Street Lemoyne. PA 17043 CERTIFICATE OF LOCATION I HEREBY CERTIFY THAT THE LOCATION OF THE REAL ESTATE AFFE CTED BY THIS LIEN IS 242 Lowther Street. Lemoyne PA 17043 e, -7 7 TYPE OF PLEADING CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE FILED ON BEHALF OF: Deutsche Bank National Trust Company, as Trustee for GSAMP 2006-FM I COUNSEL OF RECORD FOR THIS PARTY: ZUCKER, GOLDBERG & ACKERMAN, LLC Scott A. Dietterick, Esquire Pa. I.D. #55650 Kimberly.A. Bonner, Esquire Pa. I.D. #89705 Joel A. Ackerman, Esquire Pa I.D. #202729 Ashleigh L. Levy, Esquire Pa I.D. #306799 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233-8500 (908) 233-1390 FAX office@zuckergoldberg.com File No.: XCP- 147329/mme =:? r~ r-rl -r1 -I -Tj Zucker, Goldberg & Ackerman, LLC XCP-147329 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. §1692 ET SEQ. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. Zucker, Goldberg & Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST CIVIL DIVISION COMPANY, AS TRUSTEE FOR GSAMP 2006-FM1, NO.: Plaintiff, vs. Tanya M. Hitz; Steven M. Hitz Defendants. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim 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 SHOULD 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. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (800) 990-9108 (717) 249-3166 LAWYER REFERRAL Cumberland County Bar Association 32. S. Bedford Street Carlisle, PA 17013 Phone (800) 990-9108 (717) 249-3166 Zucker, Goldberg & Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR GSAMP 2006-FM 1, : CIVIL DIVISION : NO.. Plaintiff, vs. Tanya M. Hitz; Steven M. Hitz Defendants. AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de ]as demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro do los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y redicando en la Corte por escrito sus defensas de, y objeciones a, los demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero O propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABAGADO IMMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO O NO PUEDE PAGARLE A UNO, LLAME A VAYA A LA SIGUEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND LAWYER REFERRAL Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (800) 990-9108 (717) 249-3166 Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 Phone (800) 990-9108 (717) 249-3166 Zucker, Goldberg & Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DEUTSCHE BANK NATIONAL TRUST CIVIL DIVISION COMPANY, AS TRUSTEE FOR GSAMP 2006-FM1, NO.: Plaintiff, vs. TANYA M. RITZ; STEVEN M. HITZ Defendants. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE And now comes Deutsche Bank National Trust Company, as Trustee for GSAMP 2006-FM I, by its attorneys, Zucker, Goldberg & Ackerman, LLC, and files this Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is Deutsche Bank National Trust Company, as Trustee for GSAMP 2006- FM1, having its principal place of business at 3476 STATEVIEW BLVD., FT. MILL, SC 29715. 2. The Defendants, Tanya M. Hitz and Steven M. Hitz, are individuals whose last known address is 242 Lowther Street, Lemoyne, PA 17043. 3. On or about January 18, 2006, Tanya M. Hitz executed a Note in favor of Fremont Investment & Loan in the original principal amount of $55,250.00. 4. On or about January 18, 2006, as security for payment of the aforesaid Note, Tanya M. Hitz, a married person joined by spouse, Steven M. Hitz made, executed and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for Fremont Investment & Loan a Mortgage in the original principal amount of $55,250.00 on the premises hereinafter described, with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on January 20, 2006, in Mortgage Book Volume 1938, Page 108. A, true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "A", attached hereto and made a part hereof. Zucker, Goldberg & Ackerman, LLC XCP-147329 5. The aforesaid Note and Mortgage was assigned by Mortgage Electronic Registration Systems, Inc., as nominee for Fremont Investment & Loan to Deutsche Bank National Trust Company as Trustee for GSAMP 2006-FM1, plaintiff herein, pursuant to an assignment of mortgage dated December 12, 2008 and recorded on January 7, 2009 in the Office of the Recorder of Deeds for Cumberland County in Assignment Book, Page. 6. The aforesaid Mortgage was amended and increased in principal amount of $73,422.64 pursuant to a certain Modification Agreement, which is unrecorded at this time. The terms of said modification set forth the interest rate at 5.000% with a new monthly payment and interest amount of $ 419.66 commencing January 1, 2010 and continuing thereon with the due date of obligation February 1, 2036. A true and correct copy of said Modification Agreement is marked Exhibit B, attached hereto and made a part hereof. 7. Tanya Hitz and Steven M. Hitz, wife and husband as tenants by the entirety are record and real owners of the aforesaid mortgaged premises. 8. Defendants are in default under the terms of the aforesaid Mortgage and Note for, inter alia, failure to pay the monthly installments of principal and interest when due. 9. On or about January 6, 2011, Defendant(s) were mailed a combined Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notice of Intention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983 and Act 6 of 1974, 41 P.S. §101, et seq. Zucker, Goldberg & Ackerman, LLC XCP-147329 10. The amount due and owing Plaintiff by Defendants is as follows: Principal $72,305.08 Interest through 12/17/2010 $1,363.56 Attorneys' Fees $1,250.00 Title Search & Costs $2,500.00 Late Charges $ 41.96 Escrow $-414.42 Corporate Advance $ 105.00 Other $ 90.50 Total $77,241.68 plus interest on the principal sum ($72,305.08) at the rate of $9.90 per diem , plus additional late charges, and costs (including additional escrow advances)., additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the amount due of $77,241.68, with interest thereon at the rate of $9.90 per diem plus additional late charges, and costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Zucker, Goldberg & Ackerman, LLC XCP-147329 & ACKERMAN, LLC BY: Dated: February 2011 Scott . D etterick, Esqui e; PA I.D. #55650 Kimberly A. Bonner, Esq ire; PA I.D. #89705 Joel A. Ackerman, Esqui e; PA I.D. #202729 Ashleigh L. Levy, Esq ' e; PA I.D. #306799 Attorneys for Plaintif XCP-147329/mme 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233-8500; (908) 2,33-1390 FAX Email: Office@zuckergoldberg.com THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Zucker, Goldberg & Ackerman, LLC XCP-147329 EXHIBIT A Zucker, Goldberg & Ackerman, LLC XCP-147329 12-21-'10 13;56 FAOM- Ptepared By: BARBARA LICON Rettun To. FREMONT INVESTMENT li LOAN P.Q. BOX 34078 FULLERTON, CA 9583434078 r- I 7r ?0 T-001 P0016/0042 F-553 pts?4 a- PaiW Number; 12220822249 Premises: 242 LONTNER ST 6000200447 LENOYNE, PA 17043 1Space Above This Line For $aeurdia= Data) - - MORTGAGE NUN 1001044-5000200447-1 DIDtI MONS Words used in multiplC sections of Ibis downent RM debited below and Other wards = dal bW in SwAons 3. 11, 13, 18, 20 and 21. Ctatnin rules regarding the usep of words used in this domment are also provided in Section 16. (A) "Seew *Instrument" mesas this document, which is dated January 18, 2006 , together with all Riders to this doamnent. (B) "Borrower" isTANYA M. RITZ, A MARRIED PERSON JOINED BY SPOUSE, STEVEN N. NITZ Bamowcr is the waatga90r under this Security lllstrlUML (c) "NIERS" is Nbrtgage BZectconic Registration Sy*Au. lac.111 MS is a gepatate Corporation that is aefts aWdY W a Wmh= for Lzndla and Landa's ut=wsota and muigns. MIMS is the tuoriaagee tgLdElt g& SeC°rBY 1116 MMIL MGRS is organized and &16tiag under the itiws of Delaware, acid has an address and telephone number of P.O. Box 2M6. Flint MI 48501-20%. ord. (888) 679-MMS. PENNSYLVANIA - Single Family - Fannin Mar/proddle Mat: UNIFORM INSTRUMENT WITH HERS 4%-$A(PA) 40502) Form 20 Papa t of 18 101811K VMP Magpapo Solutions, 10C. (6010)321-7291 12-21-'10 13:57 FROM- (D)"Lender"isFREMONT INVESTMENT A LOAN Lender is a CORPORATION a rgoized and existing under the laws of CALIFORNIA Leader's adl; m is 2727 E IMPERIAL HIGHWAY, YREA CA 82821 T-001 F0017/0042 F-553 (E) "Note" means the promissory note signed by Borrower and dated January 18, 2008 TheNote sntesOwBort verowesLender Fifty-Five Thousand, Two Hundred Fluty and No/lea ------------------------------------------ Dalls<s (U.S. 3 55, 230.00 ) plus intemL Bonower has promised to pay dti,, debt in regular Periodic Payments and to pay the debt in fall not later than February 1, 2038 (F) "Property" means the pcoi" that is described below under the heading "Transfer of Rights in the Ptoperty.,, (G) "Lope" means the debt ovideuced by the Note, plus interest, any prepayment charges and late ehtitges due under the Note, and all sums due under this Security Instrument, phis interest (ID "Was" mesas all Riders to this Security Instrument that are executed by Borrower. no following Riders are to be ramutcd by Brnaower (check box as applicable]: AdYlStable Raft Rides ? Condomi rum Rider Second Home Rider Balloon Rider Planned Unit Development Rider I-4 Family Rider VA Rider H11iwee.1dy Payment Rider others) [specify] m "Applicable .Law" means all colt mMig applicable fedeW state and foetal stfttutes, regulations. ozzlinmew and administrative miles and orders (that have the eht'ect of few) as well as an Oral, qVbc" non-Wearable judicial o (,p "Communk ADues, Fees, and Atieessmenta" means all dues, fees, assemeats and other charges that are imposed on. Borrower or the Property by a condominium awdation. homeovow association or sfmila tee. (g) "Elecnr hk FRndsar" means any Iraasfer of funds, other than a trahsaction originated by chock, drak or mmilar mer instrument, which is liddated thtough aft electrons terminal, t tphonic inSf<t sM4 computer. or magnat c tope so as to order, instruck or autfionze a Smarteiai itfatitatiom to debit or credit an accoutL Such term includes, but is not limited to, point-of-sale Mete, au0oaged alter, machine trarmetims, transfers initiated by talaprfope, wire transfers, and automated clearinghouse heifers. (G) "Ascrow Items" means those hens that are dcoctibod in Section 3. (M) "Mlscdk2eous 1P,roaeedo" means any casnpetlsaaon, fit, award of earnests, or prooeods paid b any third party (other than mi sarance proceeds paid under the covaage? 4eackibod in Section 5) far (1 damage to, or destruction of, the Property: (ii) oondemnadw or otter MCiag of all or any pert of the Property, (AD conveyance in lieu of condemnation; or (iv) mismpresentations of, or omissions as to, the value ardor cou tton of the Property. (l) "Mortgage Ynenrante" means insurance pmtecting Lender against the nonpayment of, or default on, the Loan. (G) "Padeft Payment" means the regularly schodulod amount due far (i) principal and nntem War Me Note„ plus (,t) any amounts under Section 3 of this Security Instrument. InRlale: -SA(PA) (oso2) Page z of 16 Farm 3030 1101 !Kt-:' 9-38A 0 1;0°9 12-21-'10 13:57 FROM- T-001 F0018I0042 F-553 (P3 "ILESPA" means tha Real Settleanant procedr>res At:[ (12 U.S.C, Sec[ion 2601 u segj and its impletnepdn? nsg ' n, Reguttidpa X i,24 CFR. Pact 3?, as try might ba aureaded Gram tune tp rime, au• aoX addipepnal o??t?cessor leg?gdc?n a? regulation that governs ii?e same su>;ject mamer. Aa used in this 3 Jfresnumont, "RASPA." ,refers op all ?eq[doraearts and resuiedons that sro i[opo? in ;cegaa'd m a ?fi?related mortgage coat" avert if the Loan does not qualify as a "feda>xgy t+elat mrttgaga losn° has taken dde to do ((y "soccesm In Ifed. Bst of Borrower" mm ?Yt he or this S ' wtret or not that pwty has assnened Borrowee er's omigawas TRANSFER OF 1tf61q'I'S IN TM PROPERTY This SeMlity Ittsrtttatent secures to Lender: Q) die repayment of deg Loan, and all renewals, actMWM and modifiCatinaat of the Note; and (it) the performance of A( rower's covenants and its under this Security Leauument and the Note, Far this papoW Bomwer does hereby mortgage. grant and Convey to MRS (solely as nominee for Lender and ixader's succesm and assigns) and to the sttocemm and assigns of MMS, the foBowag descn'bed prppatty Wcated in the County '[Tn. o(R..dW )1tr;rdicd.o of Cif MBIRLAND Mule ofRsemdiaaJwbdiatiant: SEE ATTACHED LEGAL DESCRIPTION which currently bas the eddraes of 242 LOWTHER ST [streae] LENOYNE (ChYl, Pennsylvania 17043 V4 Cod61 ("Ptopaty Address'): TOGUMI SR WrM aIl the ' vaments now or hereafter erected on dw , and all essrmenrs, ?, and lntttttrs sow a pmt of the ?apat A l tepj=m? be covered by this Security barnmeaL All of the foss ag is bared to in this Saprn}r >frub o[aaet as the 'T'ropmrty." Borrower undaatands and agues that herds only 1q41 tidy 6D tba > [ gMped by Barmwes in this Security Ihstrument, but, if neceatsry to conggY with law or custom, MHU (as noMhft for Lender and I mda'a suc?sors and assigns) has the '!It to eeorrGise say ar all of those interests, iacbtdiag but trot lk*od to, the right to forer?se and sell tha 7; and m fate any acborr requited of Lender including, but not limited to, releasing and canceling this 5eennty Lrsoton at tnhh?r: 4ft-$A(PA) toeazi Page 3 011$ r . _ Form aosa 1fot BK-1138KO 14"0 12-21-'10 13;57 FROM- T-001 P0019/0042 F-553 BORROWER COVENANTS that Bwower is lawfully seised of the astute hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is untnocumbexed, owept for encumbrances of mexd Bolrowea warrants nA wM defend generally the title to the Property against alt clams and demands, subject to any encumbrances of raps[(. 'PHIS SBCCMrrY INYMLTW l'T combmes =farm covenants for oa6unal use and non-unifatm covenants with limited variations by jurisdiction to amsUhtte a uniform security instrument covering real priory. UNIFORM COVENANTS. Bonower and Lander covenant and agree as follows: 1, ftywenwt of Prinepal. Interest, Escrow Rena, aprepaymMU Charges, OW 14te Chrtges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any pmpayment charges and late charges due under the Note. Bonower snap also pay funds for Escrow Deans pursuant to Section 3, Payments due under the Now and this Security hwament shall be anode m U.S. currency. However. if any chock or otter instrument received by Lender as payment under rte Note or this Secwn* Ltstrument a returned to Lender unpaid, Under may require that any or all nbsequent payramb due tinder the Note and finis Security Inattwoot be made in one or more of the following fortes, as selected by Lender: (a) cash; (b) money order, (c) eatiti5od check, bank check, ae&ww's check or ms's dock, provided any such check is drawn upon an in tudou whose dap mo am insured by a federal agency, instrumentality, or entity-, or (d) Mccironic Founds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or at such other kx W n as may be designated by Lendw in accordance with the notice provisions in Section 15. L OWW may retain any payment or partial payrnett if the payment or partial payments ate insufficient to bring the Loan a==t. Lender may accept any payment or partial payment insufficient to bmlag the Loan curremt, wWmt waiver of any rights hart under or prejudice to its rights to xetirse such paymmtt or partial paynW& in the future, but Lender is not obi4p tod to apply such payments at the time such payments arc accepted, If each Pmodic Payment is applied as of its scheduled due date, then Leader need not pay interest on uoapprod funds. Lender may hold such un"lled funds unfit Borrower makes payment go bring the Loam cmoreaht. If Borrower does not do so within a reasonable period of time, Leadetr shall either apply such funds or return them to Po=war. If not applied earlier, each Nnds will be applied to the outstanding p dnCipotd balance wader the Note immediately prior to f0ft osum No offset or claim which Bwmvvw might have now or m the fut= against Lender shhall repave Horrower from mating payments due under the Note and this Sepuity hNuument or Pe forming thv revenants and agreements sectored by this Security Iustrume t. 2- AI?pteattlou of Paaanenta or Proeoetds. EXCUpt as otherwise described in this Section 2, all payments accepted and applied by Lender shat! be applied in the following order of plot*: (a) interest due under the Note; (b) principnd due trader the Note; (C) amounts due wider Section 3. Such payments shall be apprW to ouch Periodic Payment in ft order in which it became dui. Any xemairimg tin MIS shall be applied lust to late charges, second to any other amounts due under this Security Insmimmt. and then to reduce the pgincipsl balance of the Now If Lender receives a payment frwn Borrower for a delinquent redodie payment which includes a sdfMennt amount to pay any lath Cbergo thee, the payment may be applied to the ddk quem payment and the Lite, charge. If more than one Periodic Payment is outsfatxiintg, Lender may apply any payment recxaved from Borrower tp the repayment of the Periodic Payments if, and to the extent that, catch payment can be paid in -sA(PA) (05021 Pp• 4 of o Inhlal 'W Forth 9e99 1/01 fit' t 38 PG :O I a .>?. 12-21-'10 13:58 FROM- T-001 F0020/0042 F-553 fia11. To the extant that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any lata charges due. Vartuawy prepayments shall be applied first iD any prepayment charges and rhea as de bed in the Note. Any application of payments, maurmw proccods, or Nbcalianebus Prooaeds to p Wdpd due under the Note shall not extend or postpone the due date, or change the amount, of rite Periodic Payno ts, 3. ftwh for Fxnw Ibgma Borrower shall pay to Lender an the day Periodic Payments are due utrder the Note, until the Note is paid in IWL a sum (the wFunds") to provide for payment of amounts due for. (a) taxes and assessments and other items which can attain priority over this Secu?ity Instnunent as a Ran or eneumbtance on the Property: (b) leasehold payramis or potmd rents on the Property, if any., (c) premiums for any and all ineutance regtrWd by Leafs under Soclion 5: and (d) Mortgage Ittatuance premium. if any, or W same payable by Borrower to L,endet in, lieu of the payment of Mortgage Insurance premiums in accordance with tk provisions of Section 10. These items at calif d "Escrow Items." At arigitantion or at any time during the term of the Loan, Lender may require that Community Association Ibis, Vow, and Assesaments, if any, be escrowed by Bormwer, and such dues, fees and assessments shall be an Escrow Item. Dommer shall promptly furnish to I.endeer all notices of amounts to be paid under this Section. Borrower shall pay Lettdeac the Fonda for escrow Items unless Letdear waives Bomower's obligation to pay the Funds for any or all Esca+aw Items. Leader may waive Borrowces obligation m pay to Leader Fmxb for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Botnower shall pay diecctly, when and wheat payable, the amounts due for any Bscrow Items for which payment of Funds has been waived by Lender and, if render requires, shalt Annish to Lender race4m evideming such payment within such time pound as Treader may require. Borrower's obligation to raise a ch payments and to provide receipts shalt for all purposes be deemed to be a covenut and agreomeat contained in this Sesuity Inst Ument, as the phrase "covenant and agreement' is used in Section 9. If Boanwer 1s obligated to pay Bscaow Items diroetly, pumunt to a waiver, and Borrower fails to pay the amom'dus for an Barrow Item, Lender may exmise its rights tinder Section 9 and pay such amount ad Bommer shall then be obligated under Section 9 to repay to Lender any such amount Lender nasty revoke the waiver as to any or all Bstxow Items at any time by a notice given in accordance with Section 15 and. upon such fovocalion, Borrower shah pay to Leader all Funds, and in such amounts, that are then wired under this Section 3. Lender may, at any Woo. collect and hold Punds in an an rot (a) suncient trD permit Lender to apply the panda at die time specified under RESPA, and (b) not to exceed the maximum aunoutu a lardar can require under RESPA. Lender shall estimate the amount of Ptmds due an the basis of current data and reason*b alt WMN of ezpeuditures of future Escrow Items or otherwise in accordance with Applicable Law. The Fads shall be hold in an institution whose deposits an koned by a f"edend agency. , or entity QwAadhtg Lander, if Lender is an institution whose deposits moo so insurod) of m any Fedcrat If*=}Ta Doan Bank. lAutu shall apply the Dints to pay the Escrow Item no latish that) the lima specified under RBSPA. Leander shall not charge Bormwer for holding and applying the Funds, annuity analyzing the regrow account. or verifying the Escrow Itmu. utdm Leader pays Borrower interest on the Pands and Applicable Law penning Lender to snake such a charge, Unless an agroement is malts in writing or Applicable law mquku interest to be paid on the Pnmds, Lender shall not be Mquinpd so pay Boaowe r any interest or earnings on tae Funds. Borrower and Lender can agree M wdit, however. that interest shall be paid on the 4ft•6A(PA) to6oRt Paps 6 OT 18 "Al.; ? 0 . Bonn vitas 1107 bpi 1133 8 P&D.1 .:2 _. 12-21-'10 13;58 FROM- T-001 P0021/0042 F-553 Funds. Lender shall give to Swower, without charge, an annual at: u ndng of the Funds w required by RESM If there is a sutphhs of Panda held in eccrow, as detmed under RBSPA, Leader shall meow to Bormwer for the excess Rinds in accordance with RBSPA, If dire is a shortage of Punds held in escrow, as defined under RBSPA, Lender shag notify Borrower as regWm by REVA, and Borrower Shan pay to Linder dw amount necessary to make uP the shortage in accordance with RWPA, bat in no mare than 12 monthly payments. U there is a Mkiency of Funds held in escrow, as der MW n aft RESPA. Lender shaft notify Borrower as required by MPA, and Borrower shag pay to L mde r the amount nepessary to make up the deficdcnccy in accordance with RESPA, hnt in no rune rhea 12 monthly payamia. 11Jpon payment in full Of all sums secured by this Secefity Instrument, Lender shall promptly rdmnd to Borrower any Peends held by Lauder. 4. Chart a; Liens. Borrower shall pay an tam, assessments. charges, fines, sad =Wddons au&uWft to the Property which can attain priority over this Security Tnsplaureat. kaseltold payni" or gmtmd terns on the Property, if any. and Community Aden Dues, Pees, and Ass wneW, if any. To the extent that these items are Escrow Items, Borrower shall pay there in the =nrtet provided in Section 3. Horrowet shall pammpt y discharge any lien which has priority over this Security Instrument unless Bormwa (a) agrees in writing to the payment of the obligation segued by the lien in a mama acceptable to Lender, but only so long as Bower is performing suer agreement; (b) conteo ft lien in good faith by, or defends against enforcement of the lien in, legad proceedings which in Leach's opinion opmo to prevent the enforemnent of the lien while those proceedings am poding, but only until such proceedings aro conchided; cc (c) secures from the holder of the lied an agreement smisfacimy to Lender subordinating the Lien to this Security Instrument. If Leader determines libel any part of the Property is subject to a Bert which can attain priority over this Secutity Ittsteument, Leader may give Borrower a notice identifying the lira. Within 10 days of die date on which that notice is giveaa, Borrower shag satisfy the lien of take one or more of the actions sex forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or repor&g service used by Lender in connection with this Loan. 5, Prop M I0=111rce. Borrnwty AW ]Deep the improvenmts now existing of ha=ft erected on the Property insured against loss by ire, hazards inchided within the term "exknded coverage," and any other hazards including. but not gmited to, earthquakes and floods, for which Larder zegWm insurance. This insurance shall be maintained in the amourrts (inchidnhg deductible levels) and for the periods that L War r0quit", What Leader rap= Pursuant to the pnoedmg sentences can change during the tarot of the Lean. The insurance carrier providing the insurance area bus chosen by Borrowers subject to Landau's right to disapprove Borrower's cholm, which right shall not be exl w4wd unreasonably. bender may r0gWV Borrower to pay, in connection with this Loan, Mbw. (a) a one-Mime charge for flood zone detgirihkaton, certification and tracking savices; or (b) a ono-tune charge for flood zone dcieln a>ion and card ooh services and subsequeut charges each time renuappings or 31111r3ar changes occur which reasonably might affect such d0laminaaon or caMcatitm. Borrower shall also be reapoasible for the payment of any fws imposed by the FedaW 8amSeacy Management Agency in cone ctUm with the review of any flood zone, detwninatlon resulting from an objection by Bormwe r. MIUat?: 4%-SA(PA) (pees) Pa@& eel 16 Form 9089 1/e1 11.4 9.3-M.0. 44 .. 3, 12-21-'10 13:58 FROM- T-001 P0022/0042 F-553 If Borrower falls to maintain any of the coverages described above. Lender may obtain insurance coverage, at Lender's option and Borrowex's expense. Lender is under no obligation to purchase any Particula type or amount of coverage. Therefore, such coverage shad cover L.endar, but might or might DA protect Borrower, Borrower's equity in tbes Property, or the contents of ft property, Wiest any risk, hmard or liability and might provide greater or lesser coverage than was previously in effect. Borfl4W0t aclmowkdges that the cost of the insurance covamge so obtained mi$bt aignificandy emceed the cast of intattance dwt Borrower could have obtained. Any amounts disbursed by Le aft under this Section 5 " become additional debt of Borrower secured by thin Security Ingrument. these amounts ftj besot interest at the Note rate k0al the date of dissbmalement and shall be payable, with such inomst, upon notm from Lower to BgUOM requesting payment. All insurance Potfcies ngWred by Lender and renewals of such polities shall be subject to Lancer's right to disapprove such policies, shall kwJu e a standard mortgage clause, and shad name Leader as mortgagee and/or as an addidonaal loss payee. Leander shalt have the right to hold the polieigt and renewal certificates. If Lenda requtm, lRozrower shad promnpay give to Lendfr all receipts of paid p=dumm VAd renewal notices. If Borrower obtains airy form of instaerhee coveaage, not otherwise r*gUUsd by Lender, for damage to, or destruction of. the Property, such policy shall include a standard mortgage clause, and dlwll name Lendef as mortgagee and/or as an additighai payee. In the event of loss, Borrower sited give prompt notice to the insurance caoritr end Lander. leader Wray make proof Of toss if not made Tngmpdy by Burrower. Unless L arAer and Borrower othev*ise agree in writing, any insurance prooecds, whdhcr or not dtts underWg imnra m was required by Lender, shag be applied to .restoration or repair of the Property, if the ranradion or repair is aeonomiaady feasible and. Lender's security is not lessened, lh=g such repair and rescor Wn purled, La?du " have tlhe right tv hold such insurance proceeds until Leader has had an opportunity to inspect such Property to eaaur0 ttre work has been completed oo Leader's satisfaction. provided that such inspection abaft be undertahm promptly, Leader tray disburse paocceds for the repairs and restoration in a single paymmt or in a series of progress payments as the work is completed. Unkss an augreanent is made in writing of Applicable law requires intma 10 be papd on such insurance proceeds. L,eatdet dhad not be regWm4 to pay Bouower any interest or earnings on such proceeds. Trees far public adjusters, or other third parker, retained by Borrower shell not be paid out of the insurance proceeds and shalt be the mote, obligate of Borrower. Lf the ==Won of repair is not economically feasible or Lendees see uz* would be lessened, the insurance proceeds shall be applied to the sums secnm®d by this Security Instrument, whedbar or not there dins, with the exccsa, if any, paid to B0170wer. Such h alralice proceeds chap be applied in too order provided for in Section I If Borrow r abandons the Property, Lender may file, negotiate and settle any available insurance claim and 14at0d matters. If Borrower does not respond within 30 days to a notice from Leader that the instuance carrier has offtmed m se* a claim, dash Lender BUY IIHNPOate and setae the claim. 'Lies 3"q period wilt begin when the notice is given. Tn dthef event, err if Lender W41 im the Property under Section 22 or otharWIse, Borrower hereby as4 ms to Leader (a) Borrower's rights to any M- SU ano0 proceeds in an amount not 60 exceed due amounts unpaid under the Note or this security Instrmneat, and (b) any ocher of Bwower's rights (odrer than the XW* m any refund of 1010010011 Xcmiums paid by Borrower) under all insurance Policies cov=% the Property, insofar as Ruth rights ante ale to the coverage of the Prapew, Lender may use the insurance proceeds either to repair or restore the Property of to pay Mounts unpalid under the Note or this Secu dty Instrument, whether of not then due. fnltlRle: QVA(PA) 1o5o2r Pw• I of 1e Font loan vet ?M•1 GKI 13 8 PGs 1:1-44 12-21-'10 13:59 FROM- T-001 P0023/0042 F-553 6. Ckcapanty. Borrower shall occupy, establish. and use the Property as Borrower's prindaW residence within 6t) days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's p bcipel residence for at least one year after the date of occupancy, unless Leader otha wise agrees in writing, which consent shag not be unreasonably withheld, or unless exteauatieg circatmstarwes exist which are beyond 1lomwer's control. 7. Preserrralfe% bfainkmance and Protection of We F roperty; Inspections, Borrower shall not destroy, damage or impair tho Property, allow the hopely to deteriorate or commit waste on the Property, Whether ar not Borrower is residing in the Pn peaty, Basrowet shall maintain the Prnpoty in order to prevent the Property from doterit7rating or decreasing in value doe to its condition. Unless it is determined pttrsnant to Section 5 that repair or restorat on is not economically fa ble. Borower shall prompOy mp* the Property if damaged to avoid Rueter deterioradim net damage. If insutaim or condemnation proceeds ate paid in connection with damage to. or the taring of, the Poperfy, Borrower ahell be responsible for repairing of restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse prod for the repai n and restoratinm in a single payment or in a series of progress payments as the worst is completed. If the insurance or condemnation proceeds we not m d&ient to repair or restate the Property, Borrower is not relieved of 11oaowees obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and mspectiona of the Property. If it has reasonable; cause. Lender may inspect the interior of the improvements on the Property. Leader shall give Borrower notice at The tine of or prior to such an interim inspectiotn spahrft such reasonable cause. S. Borrower's Loan AppNeii0 n. Borrower shall be in daft* if. du ft the Loan tfplkado t process, Borrower or any persons or endfm acting at the dkwdon of Bomowef of With Borrower's knowledge or consent gave mater 4y false, misleading, of inacchuhate inforuMm or sMim mss to Lender ((r failed to provide Leader with material infookatim) in connection with rho Loan. Mistrial repaseatttltlona mclvde. but are not limited to, representations concerning Borrower's occupancy of the Prop" as Borrower's principal residence, 9. Protection of Lender's Interest In (ft Property and Rigbts Under this Security histirmept. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrtm mt, (b) there is a legal proceeding dtat aught s4pi6camtty drW Lender's Interest in the Property and/or rights under this Sam* lnatrument (such as a proceeding in bmixuptry, probate, for condemnation or feff , for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or Cegetladws). or (c) Borrower has abandoned the Property, Ow Lauder may do and pay for whateirear is reasonable or appropriate to protect Lender's Interest in the Property and rights under this Sectuity Jna4iunent, including protoeting athd/or assessing the valoo of the Property, and sectabig aWkir Mmik-mg the Property. Lands actions can inehtdoi but are out ilrnited to. (a) paying any sums secured by a Hen which has priority over the Security Lhstr Meat; (b) appearing in ceNM and (c) paying reasonable attorneys' faro to protect its interest in the Ptoparty and/or rig w under lids SeCtttity btsnuroght, including its secured position in a banktupmey p ocoediag. Secmring the Property includes, but is not limited 1% eated" the propaq to make r6pM. change locks, replace or board up doors and windows, drawn water .from pipes, ahraw a. buiding or other codo violmhons or dangerous conditions, and have utilities nmhed on or off Although Lender my take action under this Section 9, Leader does not have to oo so and is not under airy duty or obligation to do so. It is agreed that Lender incurs no b6 tity for not Wring any or all actions andwrired under Otis Section 9. (%•eA(PA) p5ov) Pea. B of is Fora rose ilei Hf;1'-93 PGO 1.+ 5 12-21-`10 13:59 FROM- T-001 P0024/0042 F-553 Any amounts diAxamA by Lender under this Secdcn 9 dials become additional debt of Borrower sew by tbia Security Instruanemt. 'these amotimp shall bear interest at the Note rate from the dace of disbursanmt and shall be payable. with such Interest, upon notice tirorn Lender to Bamnver requesting paymeAL If this Security Instrument is on a leasehold, Borrower shall comply with an the provisions of fthe lease. If Borrower acquires fee title m the Property, tho leasehold and the'fee title shall not manse unless Lender agrees to the merger in writing. 10 Mortgpge braraucL If Lender required Mortgage Insmwm as a condition of making the Loran. Borrower shall pay die premiums required b maintain the Mortgage Insurance in effect. If, fee any reason, the bfa tgw Insurance coverage required by Lauder ceases to be avaRmW from etc mortgage usurer that previously provided such insurance and Borrower was required to notes sqx ni* deed payments toward ate ymbuns for Montage Insurance, Borrower shall pay the pre ahm regmrod to obtain Coveage substantially equivaWt to the Mortgage Inau umm previously In effect, at a cost 8ubMatialiy equivalent to the coat to Borrower of ate Mortgage kunm n % previously in effe M fiche an aliernm mortgage insurer selected by Lmder. If substandaliy equivalent MCangage Insuraam eoverW is not available, Borrower shall continue to pay to Lander the amount of the aeparately dodgnased paytnahtz that were duos when die instuance coverage ceased to be in effect Lander will accept, use and retrain thine payments as a anon-trtlhndaW Ines reserve in lieu of lkTex4pr Inn r 1 1 ca. Such leas reserve "be non-rdhndable, notwi g the faa that the Um Is ultimately paid in full, and Leaden shall not be req*W to pay Buaower any interest or earnings on such loan renserve. Lender can no leaser zegtme loss fesafve payments if Mottgtge Insurance coverage (ilk the amount and for the period that Lander required) provided by sun ids m selected by LaBgdgr again becomes available, is obtained, and Leadsmen uiroa separns* dex4pated payments coward the ptmuhuns for Mnttgetge Inserance. If Lanier required MorlMe Insurance as a condition of making the Loam and Beurower was reg0 repay the d 10 mike separaWy Premium de6snaied paymaooW toward she psemlows for Mortgage Insuraaoer Borrower reserve. until. Y.gh required Mme Inmenee in anect, or to pmviue a Iowrdun4" loss requirement for Muetgage Insurance ends m acoordauces with any wriltat? agroenhent between Benoww and Leads providing for such termination or nab tezninaaon in required by Applicable Law. Notting in chid Section 10 affects Bammvw's oblegation to pay interest at the rats provided in the Note. Mortgage Insurance nu mberses Lander (or any entity that purchases the Note) far oerstm looses it may incur if Borrower does not repay the bean as agreed. Borrower is not a party to the Martgago msura m Mortgage iaaaarers evaluate their total risk on d MICA Mu row in face from time to tirne, and may ether into agreemMS With odner parties than W unre or modify thpr flak, or reduce losses. 'these agrephusnts are on terns and co ndidons that are satislactory to the mortgage iasruer and the other party (of patties) to dM agreesucaM 71tew agrrremeats may requma are mortgage insurer to make paym w using any Saa+m of fimda that the mortgage ihtslarer may have available (which may inchtde Breda obtained from MaxM lntrarattce premiums). As a result of these agmanants, Lender, any purdmw of the Note, another ittsesusr, any rei kmer, any other entity, or any affiliate of any of the fbftoiag, may receive (dimity of meetly) amonmta that derive fmm (of might be characterized as) a portion of Borrower's pesymetts for Mortgage InsalOM in exchange for Sharing or modifying the mortgage fi mar's risk, or reducing basso. it such agreement provides that an affilisfG of Lender takes a sham of tae iasuner's risk in eatclhM129e for a share of the pwah ms paid to the insurer, the arzangement I often termed "captive rdutsuratwo." Partite. (a) Any saa agreemeala wld rapt >,t hd the amomb dust Borrower has agreed to pay for MaLage UMWKR: or any other terms of tke Loan. Such OpSe fth wM not spar M the amount BOIrr*wer wig owe for Mortgage L29MOM and hirer wID not matl}ie Borrower to guy retard. rnnar 4%-SA(PA) pop Parse of to Form 9080 7/D1 EK?1,938'PGO 11.6 12-21-'10 14:00 FROM- T-001 P0025/0042 F-553 (b) Any sn& agrawngsts wM not affect do righss Borrower has - tt say - wild respect is tie 11 tQVP JUMMoee under The Hetmem ers Prone am Act of IM or nay otter law. These nights play tada k the rlaht to rwdve oerbUda diedowa% to repeat and obtain aissodhd t3 of tie Mortgage bmwance, to hare the Mortpp lmrauee 1WMh ated antuaadadty, aadlor to reoeire a rvlaad of athy Mortgage Imurmot preodaas that viers tofearaed at the tide of suck caaedlnO n or terateatioa. It. Assipumt of M8CdWnWw Proceeds; Forfeiture_ All Mtsoellaneous Proceeds are hereby assig tod to and dhall be paid to Lander.. If this Property is daanaged, such Miseellsneous proceeds shall be applied to ream don car repair of the Property, if Me restoradntn or xepa r is economically famil s and Lendw s security is not losstned. DmW such repair and raftration paged, Lauder shall have the right to hold such Miscellaneous Proceeds tmdl Lander has had an opportunity to huh hhect such PnopaRy to enahue the wodc has been completed to LoaWs sadsfacdon, provided that such inspection shalt be. tnnder aken promptly. Lender may pay for the upaQS and resMadon in a single disbursement or in a series of progress payments as the. wort is compleimL Unless an agrsetnoat is made in writing or AFptaabk Law require interest to be paid on such Misodlanows proceeds, L.erndw shall not be required to M Borrower any interest or esmings on such Misoellarmu Nooeeds. If the remaration or repair is not economically fUast'ble or Leader's woodty would be lessened, die Miscellaneous Proceeds sW be applied to the sunw secured by this Security hwnmtent, whetter or twt d= due, with the excess, if any, paid to Borrower. Such MJACCU nexus Proceeds shads be applied in the order provided for in Section 2. In the event of a total eating, destruction, or lose in value of the Pmperty, Ow Miscellaneous Pmceeda shall be applied to the stubs secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking. destruction, or lets in value of the Property in which the fair Market value of t ho Ptopaty intmediateay before the partial Wking, de sauction. or loss in vAm is equal to or greater than the amount of the sum3 secured by this Seta* Itatenmbent immedgtdy before the pow destruction, or loss in value;, unkss Borrower and Under odmvi a agree in writing, erne sums m>erttod by tus Security Instrument shall be reduced by the amotmt of the Mnsoelhtneous proceeds muWwlied by the following fmdmi, (a) the total amount of the sums semwed km wdiwly before the partial rating, dosim ctidn, or loss in value divided by (b) the fair n%wm vahm of rim Property bnnWiaWy before the partial Wing, destnxtioa, or loss in value. Any balarm s1taII be paid to Bwower. In tine event of a partial rating, destruction. or loos in value of the ftMe cy in which the fair matte; vahm of the Property Wmadidely balers the partial rating. daabuc tim, or toss in Valto is leas than the amount of the awns secured immediaody before the partial eating. destntmn, or less in value, unless Borrower and L otherwiac agree is writing, the Miscellaneous proceeds tdtala be applied to the amps seCU led by this Soonnity Iumunent wbaftr or not die sums ass then due. If the Property is abandonod by Borrower, or if, 9W notice by Lender to Borrower that the Opposing Pattq (as defined in the next Mime) offisrs to mate an award to wtdo a Claim for daaslgta, Borrower fails to respond to Leader within 34 days after the date the notice is given. Leadtrr is and mixed to collect and apply die Miscellaneous Procceds either W rWVratkM or repair of the Property or to the aunts Mmmd by this s MOCCRIORCOUS ? ed f or not than du& "Oppowng Pmy" means the thihd party that owes Bmeowex party against whom otrower bas a right of action in regard to mbcCBMMUS Proceeds. Borrower shag be in default if any action or proceeding, whether civil or cxirtdnaf, is begtm that, in l.Amder's Mgment, COnlM resent in f leitim of rte Property or other materiaa impairment of Lendwa interest in the PmpMy or rights under ids Secw* Inarnuneuf Bonuwer eau titre such a default and, if acoe en&n has occurred, Mutate 8a provided in Section 19, by aoudahg the action of pmceeding to be digressed with a nditng that, in Lmdees judgment. prs hdw forfeittm of the Property or other material impairment of c 4ft-SA(PA) (0602) Page to of to ?Ofra io88 flat fK4 9.3`8PGa f if.7 12-21-'10 14;00 FROM- T-001 P0026/0042 F-553 Lendcx's intcxest in the property or rights under this Sceuxity Instrument. Un proceeds of may award or claim for datnages that ace attributable to the impairment of L mderr's 3rnfent+eat in the property are hereby assigned and shaft be paid to realer. All bliw la mn Proceeds that are not applied to reaWation or rq),* of the property shat! be applied in the order provided for in Section 2. 12. UmVI er Not Helened; Forbearance By Lander Not a Waiver. 8xte ngbn of the time for payment or nxkMemion of Morlizedoo of the starts secured by this Swu rhy hWument granted by I ender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Bonnowo or any Successon in Interest of Borrower. Lender shall not be requited to commence proceedings against any Sueoeasor in Interest of Bocrower or to refuse to extend time for payment as odx vise modify amottnradon of the sums secured by this Security Instrument by reason of say demand made by the original Borrower or any Successm in Interest of Borrower. Any forbearance by l* kW In exercising any right or remedy mchAM, without limitation, Lender's acceptance of payments from thitd persons. a ntittea or Successors In Interest of Borrower or in amounts less than the amount tarn due, shall not be a waiver of or pn lu& the exercise of any right of remedy. 13. Joint and Sevdral Liability; Co-signers; Snreeer sors and Asters Bound. Borrower covenants and agrees that Borrower's obligations and lt*Hky shall be joint and several. However, any Borrower who co-signs this Seomrity Ina meant but does not tacecutr ft Dote (a "co-tign j. (a) is co-signing this Severity histnanemt ordy to mortgage, grant and convey the co-Agneea interest in the Pfop wq under the terms of this Security Instrument (b) is not personally obbgated to pay the sums seared by this Secattity rmatiutme m and (c) agrees that Lender and any other Dot rower can agree to extend, am". forbear or mate any accommodations with regard to the teams of this Security Instrument or dre Note without the co-signer's Conant. Subject to the provisions of Section 18. any Successor in Interest of Borrower who assuaw Borrower's obligations undo this Seem* Imstruneaht in writing, and i.4 approved by Lem, sha11 obtain aD of lorrower's rights and bene8b wader this Security Instrumelnt. Borrower shay not be ne koed Tram Borrower's obligations and rabidity under this Security Instrument umkas Lender agrees to sacli release in writing. The covenants and agrawne tts of this Security Instr uneat shall bind (except as provided in Section 20) and beateBt ft successoze and assigns of Lender. 14, lam ChwLen. Lender may charge Borrower feed for sctvices perforated in connection with Borrower's defrsult, for the purpose of protecting Lender's interest in ih4 Property and rights under ttnis Secmity rnstnunent, including, but not limned to, attorneys' fees, property inspecdon and valuation face In regard to any other feed, die absence of express authority in this Sectniq Instrument to charge a specific fee to Borrower shall not bs construed as a pmhlition on the charging of each fax. Lender may not charge fees that ate expressly prohibW by this Seca ft Instrummt or by Applicable Law. rf the Loan is subject to a law which sets maximum loan charges. and that law is iyaapy interpreted so that the interest or otlter loath charges collected or to be collected in connection with the Loan exceed the permitted lin im, then: (a) any such loan dearge shalt be reduced by the amount neousary to reduce the chatge to the permitted limit and (b) any sums already coUected from Burrower which exceeded permitted limits wiIl be refunded to Borrower. Leander may dhoow to mate this retrund by reducing the pd n*W owed under the Note or by malting a direct payment to Borrower, rt a refired mducas principal, the raftctiOtl wilt be treated as a partial prepayment without any prgmyrnent charge (whedter or not a prepayment charge is provided for under the Note). Boaower's accgM= of any such refund made by direct payment to Borrower will comathute a waiver of any right of action Borrower right have arising out of such ov=harga. Innralac 4R-GA(PA) (0602) Paso t t at 16 Form 3089 1101 DKI-t: 9-38 PO - 12-21-'10 14:01 FROM- T-001 P0027/0042 F-553 1S. Notices. All notices given by Borrowar or Lender in connection with this Security hmn meet mast be in writing. Any notice to Borrower in connection with this Security Inmmont shag be detlmed to have been given to Borrower when availed by fast class mall or when actually delivered to Borrower's nodca address if sent by outer means. Notice to any one Baarowar constituto notice to all Borrowers uulesa Applicable Law a pra* requites otherwise. The notice addr= ftU be the Property Address unless Borrower has daagmated a substitute notice address by notice to Lender. Borrower arson ptnmpdy aotii'y Lemdet of Borzuwces ehaage of address. If Larder spoeifles a procedure for rgmrmg Botrrower'S change of address, that Borrower shah only noott a change of address through that apecftd pr n P P I, - P Thee may be only one 4ceignated notice address under this Security Instrument at any one time. Any notice to Lender sW be given by delivering it ca by mailing it by first class insil to Leader's address stated herein unless Lender has dedgnesad another adtbrees by notice to Borrower. Any notice in connection with this Security Instrument stroll not be decow d to have been given to Lender until acluCy received by Leader. If any notice required by errs Security Instrument a aloe under Applicable Law, the Applicable layers requirement will sti asfy the correq ondiag requirement n? Security Lratument. U. Gave mbg LaMar; Se verablift; RaW of Cood racoon. This Security Ltsttument shall be governed by federal law and the law of the Jurisdiction in which the Pt T" is located. All rights and obli®stions contained in this Security Instrument are subject to any requirements and limbations of Applicable Law. Applic" Law might explicitly or implicitly allow the patios to agree by contract or it might be saeint, but such stenos shall not be construed as a prohibition against agreement by eonbact In the event that arty pmvisdon or clause of this Security Instrument or the, Note conflicts with Applimbk Law, such conflict shall not afoct otter ptovislons of this Security bmtrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or weeds of the feminine, gaxkr. (b) wards in the singular " mean and inellYde the plmai and vice versa; and (c) the word "may" gives sole discredon without ally obligation to take any action. 17. Borrower's Copy. Bomwer shall be given one Copy oi` the Note and of this Seeutity IUODUm L 18. Trander of the Pt'opaO nor s Bseflehtl InUrat jo Dem wstr. As used in this Section 18, "Interest in the Piopertp" means any legal or beadiclal interest in the Property, inchtding, but not limited to, those beneficial interests transferred in a bond for deed, contract far deed, instaRracot sales contract or escrow agreement, tht: intent of which is the transfer of fife by Borrower at a future dale to a purchaser. If A or any part of the Property or any Itmad in the Property is sold or truArred (or if Borrower is not a natural esteem and a beneficial 9nterest in Borrower is sold or transferred) widwtu Lender's prior written consent. Lauder may require ittastediato Paymatt in hilt of all SUMS secured by 04 Security Instrument However, this option shall not be exercised, by Lender if sttch exercise is prohAdwd by Applicable law, If Leader exercises this option, under shall give Borrower aodce of acccloration. The notice she provide a period of Dot less than 30 days front the date the notice is given in accordance whit Sextet 15 within which Borrower must pay all sums secured by this Socruity mete went. N Borrowa to pay these mum p for to the expiration of dus period, Under may involve any remedies permitted by (his swur ty Ing tontent without further notice or demand on Borrower. 19. Borrow'er's Rigftt to Reinstate After Acctekratdm It ]Borrower meets certain conditions, Borrower WM have the right to have afte ment of this Security In#vwneat discoadwIed at any time p *w to the CarSOA Of: (a) five days before ask of the Properly pursuant m say Power of sale contained in this Security hmurnent; (h) such other period as Applicable Law might specify for fits Wninalion of Rmeweea right to reinstate: or (c) entry of a judgment enforcing this Security b mument 7bm conditions tuns that Borrower: (a) pays Lender all sums which Men would be due under this Security rnt went and the Nobs as if no sx=leradon had occurred; (b) cures any default of any other coveUrus or Weerneats: (e) pays all rein:?•: 4ft-SA(PA) t06o2f P49• 12 of 14 _ Fe,?1119089 1101 Et'#=938 GO:.1:19 12-21-'10 14:01 FROM- T-001 P0028/0042 F-553 expenses htctured in enfoteing this Soctmty Instrument. including. but not limited to, reasonable attorneys' fees, property inspection and vahiawn fps, and other fees incurred for the purpose of proeecting L mdtr's ingest in the Property and tights under thin Setauity Jnsorumem; and (d) talms such action as Larder may resaoaably mgnire to assure that Dmft's interest in the Pmpmty and rights under titre Secttaity Instttuhhatt, and Borrower's obligation to pay the sums secured by acts Security 1;otrumeat, shall cmdmue tmchmp& Lender may m Pdm that goonwer pay such reap ent scans and opmaes in one or mac of the fo&Wpg forams. as selected by Under: (a) cash; (b) money order; (c) Ce;tfLed check, bask check, treasurer's check or cadda's check, pmvided any such check is drawn upon an innimtion whose deposits are bowed by a federal agency. instrwm tHty or entity; or (d) Electronic Punds TmWar, Upon minsWeinant by Bonower, this Security Instrument and obligsdons secured hereby shall remain fully effective as if ao wairs ion had occurred. Howrvu, this right to reanstare shall not apply in the case of acceleration under Sect 18. 20. Sale of Note; Cbam of Joan Sarviker; Notke of (sr'ievance. The Not or a partial ishtealeat in the Note (together with this SuuriW Instrument) can be sold one or more titres without prior notice so Borrower. A sale might toolt in a d mWe in the entity Gown as the 1m Servir(e) that ooilects Periodic Paynicam due under the Now, and Ow S,aerr* Tn*um=4 and perfmrtns other mortgage loan mmkiag obligidm under the Note. this Security Insnwneat, and Applicable Law. i me also might be one or mare changes of the Lom Suviaar unrelated to a We of the Note. If there is a change of the 1Amn Serviw, Borrower will be given wdm notice of the change which will slam die now and t1MIM of the new Loam Serview, the address to which payments should be made. and airy odw information RMPA cequiirm in eonaoctiun wkh a notice of trattst'er of servicing. If the Note is sold and thereafter the 14101 is serviced by a Loan Services other than the putchasea of the Note, the mostrgage khan servicing obligations to Borrower will remain with the Loan Servicer or be tkansfemed to a mm mw Loan Sesvicer and we not assumed by the Noce pwcbmar Unless otherwise provided by die Note purchases. Neither Borrower nor Lander may commence, join, or be joined to any jWd)c W action (as either m individual lidgsrit or the member of a class) that arises from the other party's actions pursuant to this Security Insnrment or that alleges that the other petty has btacthod any provision of, or any duty owed by teases of, this Security Justr u lank until such Bottrower or Leader has notified the other parry (with such notice given in complimm with the requirunents of Section 15) of antic a fted breach and afforded the other parley hereto a reasonable period aver the giving of such notice to take corrective action. If Applicable Law provides a tithe period which must elapse before ca t m action can be taken, that time period wM be deemed to be reasonable far purposes of this paragraph. The notice of acpaletatian Md appotUmity to cure given to Bonower porsuetht to Section 22 and the nodes of eccelmdon given to Borrower pursuant to Section 18 "be deemed m satisfy the notice and opportnmity to take commcdve action provisions of this Section 20. 21. Hssardam %bsb mm As used in the Section 21: (a) 'Unardous Substances" are those subsances defined as toxic or haartlous substances, pcinutara, or wastes by Bnviromnwttal Law and die following sub®taWw: garoliae, kerosene, otter flammable or toxic petroleum prodaas, toxic pedlmdes and habrides, volmak solvents, matanals cm aiaithg mbeWs or fwrnaldehyde, and radioactive matafals; (b) "ilnvironmeatal Iaw" means federal laws and laws of die jurisdicdam whom the Property is lasted that milite to boom. safety or environmental protection; (c) W&Vh wnental Cleanup" includes any vespome action, remedial action, or removal action, as defined in ftvitomtental Law; and (d) an "gnvi+oamontd Coaditjon" means a condition that can cause, contribute to, or otherwise trigger an E*kunraental Cieaaup. Initial 4%-@A(PA) uotsoz) PA06 13 of 18 `XII 1 Form 3039 VO1 SK f 15-2-0, 12-21-'10 14;02 FROM- T-001 P0029/0042 F-553 Bo=wcr shall not cause or permit the presence, use, di?psai, ilaW. or teleasa of any Hmwdons Snbttlances, or ehreatern to release any Hardous Snbstantess, on or in the . Borrower shalt not do, tuu ttUow sn?one else oo do, auythng the (a) that is in vtoleam of any Environmental Law. ) whtt:h a an $pviznttoteatal Coo . oac c) wtach, dna to the presmm, use, or meats of a Sabarartce, 4Krates a condition that ttdvrt3ely styects the vatae of the the pro x ft two seneasoecr sdS trot apply to the pubsertc8, uae, ttr on the Ptgpetty of 9t? bliss of Hazardous Subetattcas that acs tecc? to 6e m aoritsal restdettttal uses and to matnteamtce of the Property (?cbding? but t lrttuted snbsWpces is consu nor products). Bocrow anent promptly give Lender wimen nonce of ( arty investigation, claim, demand, lawsuit or other action any go?taamea Law of w 1 PmtY imvd ' the and any eery Mich Bouotwer has ach>ISl bo,?vle qC. {l) Bnviromnantal Caadldon. including but not thnited tic, asy spallhng. lestrigg. tliscbafge release or threat of rtle W of any l dour Substannce, and (c) any cbaditEda caused by the pttesonoe, rtes or release of a Hmmidoas Sabt4ance whidt adversely affects d?e value of the Property. If Borrower legate, or it nodfied by guy $ovemtnemal or aufiatity, or say private qty. that an riennbvai or odw remedL dad of any H rdotts Substance ectiog the Property is nooessery, BCROW ehaU ptbmptly woe all ne y mudid aEncdaou` with Bnvifonmental Law. Nothhng het b shall clears any obligation on Lender for an viroarneswckewip. NON-UNIPOIRM COVENANIS. Borrower and Leader further covenant and agree as follows: 22. Acceleration; Itmedien. Lender" give nadee to Borrower pricr to amdwa*s loilowdeg Barrawar's brmei of any Covtataat or 89MRIOW in 09 Secaft >insbrameM (but not prior to acederatian usader kv*a 18 Unless; Appleable idea o). Leader dWR ttatiy Batrmner of, Maass ? , bb ) Os Action regwm to ewe th! dolt (C) dw d?k at lWh re to cute the ddW& as Ned may noft and sW6 dtt dwade>< or the amass b the jiL secured y Lea ft dWM lr idw inform Boirnrof the loodadwre dgm to re odde?tt? ante tie in dK lorecloattre the noc-m?e of a ddaoit or dunes of?a accelwa0a said t ? the delank is sot cured as sMtWlSed other at to apttat toiq rresq?dre Inafte tie payow" in ha of an saran tteCtu+ad b tlth swarlo ltetroraasatt wltioot t? daaaantfa may lotroribse dAs Swality hotrwamt by . Lender shat be added to cello an aaiocttrred in pu rsi the neaaediea wida is this &disa 22, iadotiitg, but cot l EdW to, 'tees and costs of evlde a to r:tenet pe n*W by Applfable Law. 23. lldesse. UOon Payment of all sums Lei by this Sets * Insttpmegt, Us S 118ftment and the esWa cane ftH twminate and bemne vdd. Attet such ooctmraca, Lepda and a this Seam* Inso mpU. Borrower WW Pay tuty raDo dNjpn Coed, Lender may durge Borrower a fes dlu?t) dds $ peGnny Instrament, but only ?e fee is ptt}4 to a ptir d patty for C servieea rratdenod and the petmttted under Law. 24. Waivers. Borrower, to the extant peimittod by Appl C" Law, waives and releases any wor or defects at ixoceedings to anlonoe enrol ly Insnoaent, and hereby waives the bonetit of any pmami of future laws Poyang for stay of execution. extension of time, exertppon It= ached neat, levy and saw, and homestead *x@mpdon. 25. RGiMANtINEARI Period. Borrower's time to tttias(m provided in Section 19 tttaR extend m one hole prior to the cotmnemxment of bidding at a she Wa date or odner sale pursuant to this Sam%* ita*wnneaL 26. PWcbasa Mooney Mortgage. If an of the debt awwred by ft Sena* Itumuneai is lent to Borrower to anquire ti& to the Property, this Shy Insttuntent AA be a pttndtase too w 27. Intaut ISO After dadgaaeaL Botrower agrees that the interest raps payable ? a judgment is entered on the Note or in an action of mortgage foreclosure, shall be the tale pay tram time to time under the Note. Inhlab: 4ft•aA(PA) pow) Pads 14 of 16 ?? Form 30= 1/01 12-21-'10 14:02 FROM- T-001 P0030/0042 F-553 BY 5IONING BEWW, Boaower acf is and ags to the rams and covenants contained in dds Secw* Ia& ment and in any Rider amaaeted by Bamwer and recorded ,with it. **THERE ARE NON-OSIIOATED 8IONER18) NO MUST EXECUTE THIS DOCUMENT** witnasgas: (Seal) TA YA WITZ -B0nower (seat) •Bonowar k*t7> - (Seal) STEVEN A. H -Bomwer ?1 - (W -Burrawag (Sat) -00nown ,,.. (seat) •Boffava H (Seat) -Domwer qft-0A(PA) ?o6ax? PMOO 15 of is Form 3039 1101 12-21-'10 14:03 FROM- T-001 P0031/0042 F-553 COMMONWEALTH OY I EMSYL'VANW l?1Xmor tax- J County es: On dds, the tSArflay of r . before me, the nndergpW to , parsonagy appmrd `tCir c „ t H 4 5 sin YYt -11?? . known to me (or mMsfactopiy proven) to be the peason(s) whose name(s) is/arrs subscribed to rho within fns meat and admGwiedged that h0hrAhey sxecutad the same for the proposes herein c:onmbW. IN WnN MS WH 9tE0F, I herermto set my hand and official seal, My Commission Emim : . r , NOTARIAL SEAL MApIF A IMPITIN. NO, Pu d Co, Flew C Colvin and I3c kes Sopt11.20M (4? i C- My Ca?tt?fsslon ? _ rifle of omca Cerdfkate of Reol"Ce I, emby oer* that the comet address o the withm Mortgagee is P.O. goX 2026. Font, MI48501-21126. Witness my hand this ke*\ day of Tceu q?ro r G C, Aran of Mmg4gea 4%-GA(IIA) (0602) P.q. 10 0116 Form 3039 1101 12-21-'10 14:03 FROM- T-001 P0032/0042 F-553 Exhibit A ALL THAT CERTAIN lot or piece of ground situate in Lemoyne Borough, County of Cumberland, Commonwealth of Pennsylvania, more particulaly bounded and described as follows, to writ: BEGINNING at a stake on the southern line of Lowther Street, said stake being 355.1 feet east of a concrete monument being also 375.6 feet east of another concrete monument at the southeastern intersection of Lowther attd Rossmoyne streets, thence in a southerly direction along the line of lands, now or formerly , of the estate of James McCormick, deceased, 195.5 feet to a stake; thence in a westerly direction along the line of said lands, now or formerly of the estate of James McCormick, deceased, 33 feet 4 inches more or less, to a point on the line running through the center of the partition wall of the double frame bungalow erected in part upon the lot herein conveyed and in part upon the lot adjoining on the west, thence in a northerly direction along the said line through the center of the said partition wall 200 feet, more or less, to a point on the southern line of Lowther Street, thence along said southern line of Lowther Street in an easterly direction 33 feet 4 inches, more or less, to a point or stake, the place of BEGINNING. HAVING THEREON ERECTED the eastern one-half of a double frame bungalow, known as No. 242 Lowther Street, Lemoyne PA. BEING the eastern portion of Lot No, 61 on Plan of Lots known as "Lowther Walton," said plan being recorded in the Office of the Recorder of Deeds in and for said County of Cumberland in Plan Hook No. 1, Page 104. 3 U-136A 0; 1: r24 EXHIBIT B Zucker, Goldberg & Ackerman, LLC XCP-147329 ASCt.p- LOAN MODIFICATION AGREEMENT LOAN NUMBER: 1328001.478 THTS I,OAN MODIFICATION AGREEMENT made on November. 03, 2009, by and between TANYA M HITZ and (the "Borrower(s)") and America's Servicing Company W I T N E S 5 E T H WHEREAS, Borrower has requested, and America's Servicing Company has agreed, subject to the following terms and conditions, to a modif.i.cat:i.on of the note as follows: NOW m EiiEi?'ORE, in consideration of the covenants hereinafter set forth and of other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged by the parties, it is agreed as follows (notwithstanding anything to the contrary contained in the Note and Mortgage): 1. BAT.ANCE. As of November 03, 2009, the amount payable under the Note and Mortgage (the "Unpaid Principal Balance") is U.S. $ 54,327.94. 2. L•lXTENS1ON. Thi.s agreement hereby modifies the following terms of the Note and Security Tnstrument described herein above as follows: A. The current due date has been extended from 08-01-08 t:o 01/01/201.0. B. The maturity date has been extended from 02-36 to 02/01/2036. C. The amount: of interest Co be capitalized w.i.11_ be U.S. $7,580.98. The modified unpaid principal balance is U.S. $73,422.64. D. The borrower promises to pay the unpaid principal balance plus interest, to the order of the Lender. Interest will be charged on the unpaid principal. balance of U.S. $ 73,422.64. The borrower promises to make monthly payments of principal and interest of U.S. $ 419.66, at a fixed yearly rate of 5.000%, not including any escrow deposit, if applicable. If on the maturity date the borrower still owes amount under the Note and Security Instrument, as amended by this Agreement, borrower will pay these amount- in full on the maturity date. 3. NOTE AND MORTGAGE. Nothing in this Agreement shall be understood or construed to be a satisfaction or release, in whole or in part of the Borrower's obligations under the Note or Mortgage. Further, except as otherwise specifically provided in this Agreement, the Note and Mortgage will, remain unchanged, and borrower and America's Servicing Company will be bound by, and shall comply with, all, of the terms and provisions thereof, as amended by this Agreement. 1,C375/DP0/Page 1. loan Modification Agreement Page 2 of 2 I,oan Number 1..128001478 CORRICTTON AGREEMENT. The undersigned borrower(s), for and in conr,i.dcr.at-:i.on of the approval, closing and funding of this Modification, hereby grants America's Servicing Company, as lender, limited power of attorney to correct and/or initial all typographical or clerical errors d.iscovpred in the Modification Agreement required to be signed. In the event this limited power of attorney is exercised, the undersigned will be notified and receive a copy of '-he document executed or initialed on their behalf. This provision may not be used to modify the interest rate, modify the term, modify the outstanding principal. balance or modify the undersigned's monthly principal. and interest payments as modified by this agreement. Any of these specified changes must: be executed directly by the undersigned. This limited power of attorney shall automatically terminate in 120 days from the closing date of the undersigned's Modi.fi.cati.on.` fi.i (Borrower. Initial) I Ok By s.i.gn.i.nq this Agreement I hereby consent to being contacted concerning this loan at any cellular or mobile telephone number I may have. This includes text- messages and telephone calls including the use of automated dialing systems to contact my cellular or mobile telephone. You will not be billed by your cel.l.ul.ar or mobile carrier for any text; messages you may receive from America's Servicing Company , however any calls we place to your cellular or mobile phone will incur normal airtime charges assessed by your mobile carrier. 1N WITNESS WIIEREOF, the parties hereto have executed this Agreement as the date first above written. 11 Bor.r?bwer./ a ;e/ Borrower/Date Borrower/Date Borrower/Date ' ???23?oq AA r. ic -9 r.vi.c' ng Company (t-he "],ender") V 1,C375/DPO/Page 2 V1104 l 013 i VERIFICATION Esquire hereby states that he is attorney for Deutsche Bank National Trus Company, s Trustee for GSAMP 2006-FM1 in this matter, that Plaintiff is outside the jurisdiction of the court and or the Verification could not be obtained within the time allowed for the filing of the pleading, that he is authorized to make this verification pursuant to Pa. R. C. P. 1024 (c) and that the statements made in the foregoing pleading in the Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of his knowledge, information and belief. Furthermore, it is the undersigned's intention to substitute a verification from Plaintiff as soon as it is received by counsel. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Scott A. Dietterick, Es Kimberly A. Bonner, F Joel A. Ackerman, Es Ashleigh L. Levy, Esc Attorneys for Plaintiff Dated: ? i I D 11 PA I.D..#55650 e; PA I.D. #89705 PA I.D. #202729 PA I.D. #306799 Zucker, Goldberg & Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ' n a � w DEUTSCHE BANK NATIONAL TRUST CIVIL DIVISION COMPANY, AS TRUSTEE FOR GSAMP 2006- EM1, NO.: 11-1977-CIVIL � 71>c� Z z--• Plaintiff, TYPE OF PLEADING =C) °rl vs. y. to CIVIL ACTION—AMENDED Tanya M. Hitz; Steven M. Hitz; COMPLAINT IN MORTGAGE FORECLOSURE Defendants. FILED ON BEHALF OF: ro DEFENDANTS HERABY Deutsche Bank National Trust Company YOU ARL- HEREBY NOTIFIED'10 PLEAD TO"f HE F:NCLOSEDCOMPLAIN`L WITHIN TWENTY(20)DAYS as Trustee for GSAMP 2006-F'M1 FROM SERVICE HEREOF OR A DEFALJI.T'.fiJDGMENT' MAY — BE ENTERED AGAINST YOU. COUNSEL, OF RECORD FOR 'THIS I HEREBY CERTIFY THAT THE ADDRESS PARTY: OF"rHE PLAINTIFF IS 3476 STATFVIEW BLVD_-FT.MILL SC_2971 AND THE DEFENDANT: ZUCKER, GOLDBERG & Sae o—wlher Street ACKERMAN, LLC Len-3,nc PA_17043 Scott A. Dietterick, Esquire CI?RFIFICATE OF LOCATION Pa. I.D. #55650 1 I-IL{RLiBY CERTIFY TI IAf I IIF LOCATION OF 111F: RFAI_ES`Ln'fE AFFECT'GD Bl'"1'IiIS LIEN IS Kimberly A. Bonner, Esquire 2,12 Lowther Street emovne PA 17043 Pa. I.D. #89705 Mu - _Len, nc Joel A. Ackerman, Esquire Pa I.U. #202729 ATrORNEI FOR PL.AiNTIFT Ashleigh Levy Marin, Esquire Pa I.D. #306799 ALTY TILE No.: XCP 147329 Ralph M. Salvia, Esquire Pa I.D. #202946 Jaime R. Ackerman. Esquire Pa I.D. #311032 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233-8500 (908) 233-1390 FAX office Lci>.zuckerUoldber= com File No.: XCP- 147329/sgil Zucker, Goldberg& Ackerman, LLC Xt:P-147329 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED "THAT; PURSUANT' TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. §1692 ET SEQ. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (330) DAYS OF RECEIPT OF THIS PLEADING, COUNSEI, FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF f'HIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (330) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS ('THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DumT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN 'rf-iis SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT DEBT. Il' IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. Zucker.Goldberg&Ackerman. LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FMI Plaintiff, NO.: 11-1977-CIVIL vs. Tanya M. Flitz; Steven M. Hitz; Defendant(s). NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim 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 SHOULD 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. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND LAWYER REFERRAL Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 2 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3166 Zucker,Goldberg& Ackerman, IA.0 XC[1-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FM I Plaintiff, NO.: 11-1977-CIVIL vs. Tanya M. Flitz, Steven M. Hitz; Defendant(s). AVISO USTED FIA SIDO DEMANDADO/A EN COR"FE. Si Listed desca defenderse de ]a demanda establecida en las SigUientes paginas, debe tomar acci6n dentro de los pr6ximos veinte (20) dias despu6s dc la notificaci6n de esta Demanda y Aviso respondiendo personalmente o por medio de un abogado urea comparecencia esc rita y radicando en la Corte por escrito sus defensas y objeciones a las demandas establecidas en su contra, Se le advierte de que Si Listed falla en tomar accion como se describe anteriormente, el case puede proceder sin Listed sin previo aviso y Lin fallo por cualquier suma de dinero reclamada en la demanda 0 cua IqUier otra reclamaci6n o remedio solicitado por el demandante, puede ser dictado en contra suva por la Corte. Usted puede perder dinero o propiedades u otros derechos iniportantes para Listed. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. Sl LISTED NO TIENE UN ABOGADO 0 NO PLJEDE PAGAR UNO, LLAME 0 VAVA A LA SIGIJEINTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE NOTICE TO DEFEND LAWYER REFERRAL Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone (800) 990-9108 Phone (800) 990-9108 (717) 249-3166 (717) 249-3)166 Zucker,Goldberg& Acken-nan, LLC XCP-147329 IN `THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FMI Plaintiff, NO.: 11-1977-CIVIL vs. Tanya M. Hitz; Steven M. Hitz; Defendant(s). CIVIL ACTION—AMENDED COMPLAINT IN MORTGAGE FORECLOSURE And now comes Deutsche Bank National Trust Company, as Trustee for GSAMP 2006- FM 1. by its attorneys. Zucker. Goldberg& Ackerman, LLC, and files this Amended Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is Deutsche Bank National Trust Company, as Trustee for GSAMP 2006-FMI, (hereinafter "plaintiff") through its servicing agent WELLS FARGO BANK, N.A. D/B/A AMERICA'S SERVICING COMPANY located at. 3476 STATEVIEW Bl,VD- FT, MILL. SC 219715. 2. Defendant, Tanya M. Hitz, is an individual whose last known address is 242 Lowther Street, Lemoyne, PA 17043. 3. Defendant, Steven M. flitz, is an individual whose last known address is 242 Lowther Street, Lemoyne, PA 170431. 4. On or about January 18, 2006, Tanya M. Hitz, a married person Joined by spouse, Steven M. Hitz made, executed and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for Fremont Investment & Loan a Mortgage in the original principal amount of $55.250.00 on the premises hereinafter described in Exhibit "A", with said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on January 20, 2006, in Mortgage Book Volume 1938, Page 108. The mortgage is a matter of public record and is incorporated herein by reference in accordance with Pa.R.C.P. 1019(g), which rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are of public record. Zucker. Goldberg& Ackerman. LLC XCP-147329 5. Plaintiff is the current holder of the Mortgage. The Mortgage was assigned by Mortgage Electronic Registration Systems, Inc. to Deutsche Bank National Trust Company, as Trustee for GSAMP 2006-FMI, plaintiff herein, pursuant to an assignment of mortgage dated December 12, 2008 and recorded on January 7. 2009 in the Office of the Recorder of Deeds for Cumberland County, Instrument#200900482. The Assignment is a matter of public record and is incorporated herein by reference in accordance with Pa.R.C.P. 1019(g), which rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are of public record. 6. The aforesaid Mortgage was amended and increased in principal amount of $73,422.64 pursuant to a certain Modification Agreement by and between America's Servicing Company (Servicer) and Defendants, Tanya M. Hitz, which is unrecorded at this time. The terms of said modification set forth the interest rate at 5,000% with a new monthly payment and interest amount of$ 419.66 commencing January 1, 2010 and continuing thereon with the due date of obligation February 1, 2036. A true and correct copy of said Modification Agreement is marked Exhibit B. attached hereto and made a part hereof. 7. Tanya M. Hitz and Steven M. Hitz, wife and husband as tenants by the entirety are record and real owners of the aforesaid mortgaged premises. 8. Defendants are in default under the terms of the aforesaid Mortgage for, inter alia, failure to pay the monthly installments ol'principal and interest being contractually due for the September 2010 payment. 9. On January 6. 2011, Defendant(s) were mailed a combined Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 and Notice of Intention to Foreclose Mortgage, in compliance with the Homeowner's Emergency Mortgage Assistance Act. Act 91 of 1983 and Act 6 of 1974, 41 P.S. §101, et seq. Zucker,Goldberg& Ackerman, LLC XCP-147329 10. As of 06/12/2012, the amount due and owing Plaintiff by Defendant(s) is as follows: Principal $72,305.08 Interest through 06/12/2012 $6.736.89 Escrow Advance $2,186.13 Late Charges $41.96 Inspection Fees $380.00 BPO/Appraisals $170.00 Corporate Advance Credit ($5.00) Total $81,815.06 plus interest and all other additional amounts authorized under the Mortgage and Pennsylvania Law, actually and reasonably incurred by Plaintiff, including but not limited to. costs (including escrow advances) and Plaintiffs attorneys' fees and expenses. Plaintiff reserves the right to file a motion in the above-captioned action to add such additional sums authorized under the Mortgage and Pennsylvania Law to the above amount due and owing when incurred. 11. This is an in rem action only against the aforesaid mortgaged premises. Plaintiff is not seeking ajudgment of personal liability against the Defendant(s), but reserves its right to do so in a separate legal action if such right exists. If Defendant(s) have received a discharge of personal liability Linder a bankruptcy proceeding, this action is in no way an attempt to re- establish such liability. WHEREFORE, Plaintiff demands an in ren7judgment in mortgage foreclosure for the amount due of $81,815.06, with interest thereon plus additional costs (including additional escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the mortgaged premises. Zucker,Goldberg& Ackerman, LA,C XCP-147329 zuC & ACKERMAN, LLC BY: Dated: Scott A. Dietterick, Esquire; PA I.D. #55650 Kimberly A. Bonner, Esquire; PA I.D. #89705 Joel A. Ackerman, Esquire; PA I.D. #202729 Ashleigh L. Marin, Esquire; PA I.D. #306799 Ralph M. Salvia, Esquire; PA I.D. 4202946 Jaime R. Acken-nan, Esquire, PA I.D. #3)11032 Attorneys for Plaintiff XCP-147329/sgil 200 Sheffield Street, Suite 101 Mountainside,NJ 07092 (908) 233-8500; (908) 233-1390 FAX Email: Office(a—)zuckergoldbcrg.com THIS IS ANA TTEAIPT TO COLLECT DEBT,AND ANY INFIORMA TION OBTAINED WILL BE USED FOR THAT PURPOSE. Zucker. Goidberg,& Ackerman, LLC XC11-147329 EXHIBIT A Zucker, Goldberg& Ackerman, LLC XCP-147')29 12-21-`10 13:56 FROM- , T-001 P0016/0042 F-553 SARRARA LIOtMll RMM To: PRNf10MT INVESTMENT A LOAN P.O. DO 14075 FULLERTON, CA 92334-34078 2290922949 hanbw. 242 LONTRSR ST LOOM, PA 17049 tspoce Abvn Thb YAnt For 11 w dit Datal MORTGAGE DEFRO IONS Wards Used in atttidltte sections of Oda doMmat am Mined below and 09M WO&am Mood in SeCd= 3,11,13,19,2D said 21.COUM rates re$ardttsg the esaga of words 111011 b dais d0ammeat am dso PMvi&d in secdoa 164 (A)"Smarty pmt"mesa this docmen,which is deted January 18, 2005 tr gawa wo ail Moo to this dosaoenc. (S)"BanvweT"is T,ANYA N. HITZ, A MARRIES PERSON JOINED BY SPOUSE, 9TEVEN K. MITI Boa mw is dws morlmor tinder the 5ocaft Eaatutaeat. (C)I MIMS"is howsw mockonic R SYsbns,Dr—MURS is a sefflaw cospaiviao do is soft aw*as a aaoatdttse tttr I.euder ad t eaa Ws nu mat and sue.MW N So s, ig g i Naar 06 Smarty bstrsrssat.34M is caged Brad s4 ft'wadar fide kw of DdNvatwe,grad has an atattke s mod ttde*saaa numober of P.O.Box 2M6,Flint IwtI 4839112026.earl.(888)679-MM. VINNaYLVANtA-81o0e FamBy-Fanetr Naoi7f"d to Nna UNWORN INSTRUMVIff WffH MEW -iA(i�J11 taws form Pap f ai to InNkk YkFt NaRpaSsSaMklona,;pc.ti00)SZl-77i►7 12-21-'10 13:57 FROM- T-001 P0017/0042 F-553 t Y 4 (b)"Ladder"is PRONIT INVUTNUT : LOAN Lsmder is a OWMATION ownised and e7&6w under the laws of CAL I FOW IA Liardsc's addssrs is IXt7 i nM%AL NIOWAY, 11RNA " SU21 (9)"Now"'mom dlrap:t obiory am sWW by Dowwor aadAMed dawary 11, ZUG 'I1�eAtoyle�sjv*Metll�t�owessLandm F!!t -Five Tbmmd, Two Nowdred Fifty WIN`N ------ ---------------------- (US.$ 55,250,00 )plos Movest.Viler he xontiod io psy dub debtss rWdwftdodic /Phs unsus sod to psy d a debt io M no�yt�bW[pen Ffb rwiry 1, ,Z US y y. �s (P) "�" morns do y dot b R dow die i �of fY in tM P OUPWI ." (t3) "I, W won dw�ddx evidje�anddJbyy dive Nast Phut inter m my peepoyment charges star bw clwgu dim under ttm l�oW Land aR dw ue YW i r bwassem Owl wept (id) "Hiders" mum all Riders to this Socutity lium mseat*a are eked by Bovower.11w fo0owing Rides in to be eswaft by Bolwower f Check box as volaftr Ati% tlila RjW Rider PBiweekCondominium hiller Seooad Home Rider Balloon Rider Planned Unn k Dsvekpmeat Rider 1-4 Farddy Rider 'VA Rider y Payu mi Rider tai*0)fly] 00 "ApONW* ,Law" means all coslabling � tedesd. sans srnd land scats s, our. �adew and wive rules and ocdets(disc have dna effect of law)as well,as a 4004b ANSI. Q) IN �Am=71DUalk Ow on impood on BarmwBar ft�by a wr400msiirrta . "mourns say wissta of fimdn,aim thorn a�lststtMSticsi Apr ww imikemers. whim is 3:W*d as domene MONONA, .cr NO of W otdec,nsbt+s k or a �co or an account. Such [sod isodtnt, but is not >i aW to. pok"-sad tin, 11- anisommood purr m a anommim IM"IrA ed by okphw^wise bwmfm am oAkNo trod cioarbowlaee haaedets. tT+I"ii�MtMt+awJilsrmt"twaaua dncra fad that atxs descrif itt Sertian 3. (M}" aeMrMOOerM"trrettsis ssty ocMa{neestt3on, IS, ssnm+d of arpr pid by sny ddtd (tndree drama!kwumi caI psbl under di�etl,� .p daaiye sot ' �, P'09 •M {�WiR o A firr my pmt�thQ r (ill)oowvw Mov in Ran of ogr demniadom,or{IV) of,or folios as to,ft vane 04* I ° S Vie"man ittau om p otecthng Leader t the nonpayment of,or daft&oat the (0)"ft midi firs"t"means*0 taegUW4y XbWW ariiouat dW for(i)prladpat and nterw antler the Nest►On QQ say amounts under 3eatioa I of"9WM*bauummt. fA$tAii: Oft-#A(PA)(880t) Page z at re Feral 3030 1/01 12-21-'10 13;57 FROM- T-001 P0018/0042 F-553 (!') "J IMA" Mons Ow J 'itLM1 Babb Jletdeta+tit Pltopeiaoao Abs(I2 us.0.Saciiat PJAM .0 X('34 G". :R.Aatt SSS .a!toy ff4*basmft"ftftd*wdmo, iti>gGC;E1 n of *a jprrtatii ft Batas ataew.AS V"is Eitis Olssw At"to alb m S*M � a 1 m loaf"am M*&Loan ItOC�B mi i as a** �f i l'�/1H On has aba*b lo do Nap" whodmw at ax TRANSt+BJt OP ITOFPi'S IN iM PRtIPEM This t sew w to Lcawr:(3)iht Iep"awA of do Lain,m d aU ctaaw*=wW=aitd modftWm of dw Now; aad (* tht pbfacma= of)Mmww's aoxansom mod speomma OW Seca*lasaaataet and.die Note.Jt do paepow Bftrawar dwe kt*y nm4me,lw mad a mm o0 S (s"y as uomtatae for Under Md LwkWs atnxaMM and mains) mad to dte smcawore OW mmtips of MME*a foBowUtg do=R W Fopacty Jocabd ion dw CaantY jT%w o(Xm*dWs;W#dlwtaal of w"Iftm iN+ ai$scmvpar7mi>rdietiaoJ: SEE ATTA(NIO LEGAL DESCRt"ION which ounce*ba the addness of 242 LOW N!N ST tsna•=l Loom }•�('�J�--{ 1 tcicpl, amylvs" 17043 CSR+c wfl (�- dd =", 'I 1 1iF1Jl WrM at die p easels now or#►matt tttnc bd on d ,and aJt�. appinc�atiaa ors,aad ffictmros now at Immrealfer a of 00 ll3Y�� n a as*0 dw In "Z MIr. AMINUMN mtidi"a l anal men"fiat 9-*JW#i�Aar oa do imm Ro th`in Sds SecatdiV b .bin,9 seamy i optq�►arils Jap or MINNOW (as atttMirta�bt L,madar >i aaJlar's aatii }Jw dla to mottest;ae aep at all of ,Landa but ad 1a~ des amt to li dws amrd> tip :mod so fate any ara va r>gained of g,w avt 'lo x+kmmg ad araoeft thds 9 havaramt. InRiW: ft-"(FA)Msom P■graofiq FonuSails 1101 12-21-'10 13:57 FROM- T-001 P0019/0042 F-553 DMIOWBR COVENANTS do Borrower b knetAy abed of dte where hereby costv@*and bras OW IJ& to MO OMP, geaat and convay the IrtgaWY and that the PnVMV is pnenctardoaead, OWW9(Or aneamobeomoes Of teomt Bormwcr wa mvW ad wilt defend gay the thbe to the Plop M all edam ad da*AW%sobjoct in any gnattnbtrsers of ro oasd. THM SBCUR= INSTRUtAMT eomboom un dwn covahanu for notiond use end son-uaitctro coveaauts with lbWW variatd000 by Jurisdiction to oonshuft a oaftm ssoo ity iastcwood covering red pyl UNDOW G'TYI NA,NTS.Surro rat'and Leadw covtleaot s®od give is fvtiows: 1. PVMM of P'rLtd 4 Inienest, >sitatW Ickes, Fl"elMW Cloargss, athrd Leis 'Cfuol". Ilcrowar sW pay when duo the priohwpal of, and imolerest on, die debt evidenced by doe Nora and say prepepnent Am and Into cherSo due under rho Now. "also pay fends!or Rsc w Items pWevohnot b Soeodonh 3.Payw ttb due: under the Note and this Socorky Iestrmant AW toe modo in U.S. ounne csy.Hapoow.if say cahoot or other loometwo tocalved by I eador as pqrsom tnudar the Ab10 at this Secaft boommoot Is rammed to Lendw u pdd,Le dw nay nquire dial any or A nUmMot payssaats due under tier Noon and adds Swo ty loosto mot be mode in one or tom of the fo lw&j tam as sheeted by Leader(a) (b)moony ocdw;(c)cordfled dwckr bank check,teesso er's shook or comer's dw* pwv*d any such ehodc is draws peon an inn whose dew are kwored by a fedord agony, iott mmumMy,cc oft,or(d)Blect ouic Pun&Thrift. Pays am doorndd tar*W by Loader when reod"d st dhe locadem des4p bed doh the Note at at such odw k=don es may be doolpsood by I.esdaer in NGWAMW v*k dte noliee phovfnWO"in 3vcdon IS. L4ardet'weary rearm any psymatt of weld po m l;if dac pgVvsW at perdu psyawo are kwaftIciont to bring the Lunt corsea Under er stay accept any p111 WAW or PRIM payaessa t to btt dbe Loan COOK, withow wAvor a( m y doe hereunder or peopmHo to he xiegW to nfm such prayaaetht cr pedal pyadsaas in the thence,but Leader Is not obit ao apply sathch paoytesaat at tic the such p"aats ado aopeltbd.,f each Period Pa TOW is SPPW as of doh sebedolnd doe don% then L1eltder need not ply b"Wast on unoplied fintds.Candor ow}hold such umvpTied funds anti!Bono wer ondces payahees tv bring the L u cr odont.If Borg daces not do so whbin a:omo ubte psoiod of dio sk T.eadeh shell cow such M*Or reegseta dram tp Bas+oveer.If no appiiod aatlihdr,stvb iW*wZ be ap&d ro the oumneft pmgW bdence;unft tlr Nov ` y prior to fOroelosom No of cot or cube► wbolch lkno rer ml&have tow-or in the hen qow Irepdar*A relieve Boa a war ften tarkiag ptryments dose under dha Note and dds$cure wy kWMWAftt or pffluming the Oovearrs rod ap"Mo sts tehcaosd by tWs Sachwtity Tit, 2.AppEeMbk of Fayhnsnho or Provok.SaW as otherwin destuibo d.in ft SCctioa 2,at Wit+ accepted and applied,by Under oW be sgppW in the MVWb*Order of pdwlty:(a)intonort One under the Note;(b)vnwbtd due under the fie:(c)am000 ar due order 3aetion 3.Sat payanponts don be so each Moths POYmo tt in rho other in which h bboeaote due.Any seensiodng su ounis shall be appbed so so isle chrw.sawed to any Aor ssammts due under 06 Security Insaumwaht,end then to reduce do pdooiW bWz=ot**Not& If Laooter receives a pquuent from Borrower for a ddmgaant Periodic Payoum which mdu&g a hurt to pay any ho dwp doe,the plat may end to the ddrop m ps vAW euhd the I to ducetpe If more than sea P dodic Payment Is ovwAWb&L ndor nW apply any payteW x=&Ved jan Bonower to the v powment of tic Periodic Payrntxands If,and oo the exmm ihoet.rich payment can be paid iu Mho; 4q-$A(PA)cm2! Py+ar to `. Form nose 1101 Kf 538 TO 1-11 12-21-'10 13.58 FROM- T-001 P0020/0042 F-553 ftdi. To the osoont fba any mm exAft dkw the prtyntettt is applied to dw lull paaymeat of one cc reeve Par oft ftow^ sorb am may be sppW to any ho dwnw dw- VohoWy p mp*mem SW to q*bd A*b any pdepdtymeat cdharpoa eatd than as de c*W in dte Nola. As(y dr$$M Ia I of pry fasasamoe per.or)4liaosiasaaoare ROOM"do peaadspd due alwor dw Now"so emmad or porposs+fit 40m 46oe,at ohan go dot a mousk of the Ar§1c Psyntdhata. S.Baran direr Rleiawlissm.Boavow"py eo Leader co dot day Ptrb* hie ebst uoft do Noce„amt dba Note b paid in&D,a m n;(doe"Bands")to paOY*Bee payataent of attnoWaa der fa: (a) Wom read smo m ou said odor imms which can stole P*ft over ft Sao*hum must as t lien or Sao on dw PtvparW.,(b)lcmWbeol pad POW or pratatsd Aftft Oft doe Psapeaty,9 app.(o)PUMMs fear any ad At b mmut ropiood by I dr uwder Soctim 5:raid(d)MotWp loommoopmoshow f any, or any attach pgable by Bo wwwr m Lander b Bee of toe payment of bbrop fsaucom in acoocdow wfto On povi Boas dhf SWUM 10,Ume dream are caW"Barrow boom*At ocWu"OF at eery ** daft do an of doe loan. I.eanddar MW nquim brad CusmaudW Aataw dkn Hare, Pot, and Aaaaaaamdahta,N say.be mcsowed by Dom ,raid Auh dltes,macs and MUNORMN"be an BKWW Item. Bom wr AM poeaM flmdA to Lander act nodou of as mmu to be paid eta&ihie Seaman.Bpamwor atteB pay Leedsr ties Phn&ftar Bscww+IWO unlest Leetder w+sivea Baseata+ar'a OWMIN to ptyr*6 Faaeds for say ear all Bars+ow Noma Laador uW waive Bonewces oftodcm to pay W Leader PM&tiler MY or all Bacaow ins at rap*m Asy=&waiver may ot*be in wAdW In do avast of ow t w aWar,Roffewar al"pW eb ,whom read wwbm payraiVle.the ammo daae Bar ray Baavw Iwo for wdhida ptay*M of Ftatds has bum waived by Imoder anti,If Leaaddhr segoideha,dM fun" m Latdar n X40 CVWMft rich pGym wt wlddtt eoch elms podod as Lander rmy mloi t BeaRawrcrr'a obliptiaa m anpbe arutdt sad to paaavide taaoeilwt shadi for ati pmpoaoa be doomed lobe aoovomot and sp oc a ust roomined in Otis Seca* Ins"Mont,as tot phaaae"caovaaaatt read await"is used b Sacdeat 9.If Bootow®t IS ol*pased to My Bscsow Iaams directly,puaaataat to a waiver,and Beaaower EeSa to pry dw asda Wdw far as fuum lbo, I.ottder nWy condo its dow tattier Seedtm 9 sad paps seal►aoaoatt ad 8oazaaer shad dhsta be obklpmd umler ScW=4 io am to Loder any such ammL LoWer tatty:tyeb toe wdvar as oo any at A Enmw flame st my don by a aoido Shan in soordasoe wdth Section I5 sad,tapes nob revocalm,Bonsow sW pay to La Ww all Nah,sod in moo saaeuada,69 are d=emend uaador 9*Sac doa 3. Leader may,at any boo.cog=sad odd PW&is am am vo t(a)mAdw to pnait I.Asda r to spply dot Pola at on tiara apaoilied soft IOWA.and (b) trot b wooed&a wAximma sae a leeater can require reader IRB«ll"A. Ltaw did midsom daa maomil of Pte due tea do buis of owma data ad resorAb adman of capoodomm of Aduc Baorow+Um ar vdatanvieG in wcarduw wide Appthaeble Iatw. Tian Flosh fare.be hcd in an iamip9lwn wbow dgmdm an hamesd by a Peda*dypaaaoy,b daawatdidy, or c dW(acaadittp Under,if IAWw is an kododw wimat de mdw aos so how so or is may P4tdpaal Home Loan JkWL l andar sharp apply fits Ands oar pay doe Bomm bm no kwor deer toe die gooffied tmdor RBSP'A, I ell AWN area OMP D*mwer for lr kft mul glib np toe Rink wm* anal die eaccow accomit, or vorfl*g doe 8acwow Now.drachm L pays BorNAW kw nu on dtt Paodel ad Appal"Low partite Landr do mAW ouch a tdwsa,Uoiara as spoons is aaatb in wrift or AMboobde Law xega*w iaaeaaat to be paid on toe Fob,Laaadar dwtl hart be requ mid to pay B000vAw my hasout or awnings an to Funds.Burrower and Larder can agm do wddug,hotiwevr.that horast death be paid an doe an#Iair�a � � (kaA(PA)(050.1 Paso i of to f iorrn 3889 Vol d 12-21-'10 13:58 FROM- T-001 P0021/0042 F-553 Powk I.nader A&give to Bomovve r, without chaW, an annual a rxw Ming of the Puads as required by RA. 9 thaw is a tans aus of Funds held in wcmw, as ddhed under RWA, Leadw shall account to Bommm far des amem fw*is acaordmm wah ZWA.R dwe is a shvrtope of Pew beld In ewosow,as dstbawd aNtW RBWA. Lander artily ntitii°y Borrower as >xWAW by RBSEPA.and Bom wer Mail M to Lin Ww an aaioaaat rascesery to tnwU up do do%p in acv dance with R MA,bat in no move than 12 momW peyawwts,V thesre b a ddb*wy of Pods lieltl Is eavoa,as dalked under WVA.Loader*A* ntotity Sommer as segtmmd by UWA.mad Savower drub pay w Lewder the amatat necessary to ad*up the daNdi way in scomdance with RWA.but in so m=loth 12 m oo ft pwytrems. [Ipaa payment in full of d sow secured by this Security Zniarumv,I.endw prom%*refund to Banoww my Plands b dd by Leadw. 4. Cbw M Lima. Botrawror ahali pay alt taaea, nomonO. charger, fluOk mad JIMPUMOM awbubw to the P"We y whkh cm mmin pdarity aver this Security Instrument,leembold Of yintaidgeniangthr.ftepaM.if tiny.and }►Assoc iWou Dares,Pees.teal Assessments,guy.To the cam Ow tlissv OWS are Barrow ha1ns.Berewarar aherii part'than m the nta steer provided is Seadan 3. ]jcmnaM sha wMgAIY discharge any no which by p tw* Over'dtis 8eoaeity la mnament animas Bocdower.(a)agrees In war %to the payment of to oftwilou semned by the Iea in a m atswr aeoaprable to lAudw,but only se k"ura Borrower is pardarming sucb (b)conaam;Ow Hew in pod 496 by,or dtrderris s cal rooms m�•t(�of do lice in.legal which in undoes oes opwca c a to prevent die enforcement Of the haft while thaea proceedings wo pandbw but only until such proceedings we aaar�advdf or(c)mum;fian die holder of the]yea sa esmameoc sOkEKWY to Leader attbonguling ties Yaw to olds Sww4y bettement.If Leader dewmlaes OW any pat of the PmVerty is to a lint which cwa attatrh priority over dots Saaatity Instrurnmit.Leader my give Boaewsr a ws8ae ideptifping do lien.Widiis 10 days of tube+hue on which flat notice is Swett,loon war sioli#ad*due liar or Cate one or Mort of to actions set bob above in this Section 4. 1.atder tray require,Bn000wer to puMq a ow4i me charge for a teat estate an ve it5rwtlon ar4ft npostit8 service mad by Lunar in.cousectioa with this loan. S,>lkn oft Is mrana.Bom war sdWtu beep the iutprovemeft now eaintiog or hereaft amcmd on die I"ZOPO ty kwored agvinatt hiss by JIM humb hselow wifto die amt*,branded covawug sect my adtear hiumedt lededieg but not by"d w, and floods, J r which Lender rcrgaues iirrnmace. Tins iwsarwrtae dug be in the smo mts(kdWft 40thMle mss)and for due ponads that Lender tegakm.What Larder reo pins pwmwK to the pre aft sammias cats chop during thin tares of die Lose. 'tthe irawrmaw cart' pmvift the ituumac a shed be chosen by Doncroer sulrfect w La Wkes right to dirmtppvore Betio wer`a choice, Which ask shall not be mceacivod vntameawbly. Leader my require Borrower to pay,in connection with this Latin,akhet:(a) a one-tans charge for flood aerie aw maiduAaicnii, cardfluadon and wdring services; cc(b)a one-ame charge far flood sore deer rminuation and carOksoun services and rulbsoquat elm w each Haws tt oppiwps or aiwdhirr chw4p o=rr which retmoodWy might are6act such downubmim cc cra 0fiicwtioa, Butrowar dealt also be snaponshies tot the payment of any foss imposed by due Faisal Emergency Maimpment Agency in connection with Ike rmew of arty flood mane dcumnleake resuldag from an objection by Borrower. l •OA(PA)ss6ntr Rasp y Form s0H f 121 12-21-'10 13.58 FROM- T--001 P0022/0042 F-553 If Beurawt u bb ro maWft arty of the covert SM deadmdred. Leader Mor obak tjno MMO covasse, at lAnda's obi and ROM wo eowmw. I.mdtr it wrier no obiigadna to ptmoolow any plp*Ww type or mwm of eioveattga.7budwe.amb civewpa mdiali amw ,but=W at OW an ptolec1 Bamww.Bow"ar's ogttity in the Fxpay,a'the coo**o€do PhpwW, my dd�bowd or Bdft ad wJ* ptovide dtidw at loaaar oovtttt p drama wo psvlpgalvjT in exlli M Hottmtm W admaumwiadrs Omar iha cat of alto#eat omw oovmw so oblsrined mutt szood the c"of hmmw#W Aaattowar aomdd hams obtt9w&Any ttenouata 4Jdomd by I.rendar uWw dw 800cital S sWU bamee add&m d debt of Borrower x omd by this Saotvk hwum tottt 7beae amnotmw 04 blow idommttat at the Note true keen dw date of 4bbasam w and almo8 be pyable,wish m*inweat,upon not o bm L oft ID B000wanr=@IeWMg pmmlmmamtt. AR segt,od by L turd nuawsk of such pandas dioU be mb joat to Li&i dw's xW m Munn ve each pdkis. 9W mohvk a smndtmrd taootg p dam, sad sisal! now Leader ss tt ve U&M opt as addidwd bm payee.TAM have the SW m hold die podeaiee and"aewal ceatl6taataa.N Ltmmme{er tagetka,>3et ewer dM peaapdy IpWo to Lander A roxi*of p A pmmkpu tout raaawal tm cw.If Harrower oba►itmo my fam of ioaararoo awaojn,sot emdawim mpad by Ludes.for damp wu or damuctlon oL the Prop q,mxb poky dM immdlu&a attndeod matW don sad*0 moue I seder as aurmigogee and as ea a4dWmd loam paytee. In*e overt of loin,Bma<ttcwea Ad sWo poatpt nod=to dm its caer#ar ad L=dw.Leader way metre pwd of lea: if not reads pompfly by Boa*ww. L%k=Larder od Bcn war od wwlrm aipoa in wtitiW say immsnce procmda,whedmetr or not the andadyft uwar mine was reptmired by I.aft *Au be apptW to won or npatlr of One Pi panty, if the nnrmrmdoa or Mpok is teams Md Le xWo oemttty io trot bommt,Dwiag awh np*ad pw i4 Leander sW Mmes tlm **A to hold mc&m aaemnca proceeds oats Leader he bed an to nmmpaat arch Faoptrty t D ammaes tha waok tram beaten w Leadwls provided dort sob kopoodon aim be uadettuhm p 4iw@dy. Lender sing d*=s poceaeda for the repoks and n ooat0an in a a3o&pW=mt oa'in a so"of pop= paywoo n rho wade is ooaVbu d. Won as smam ims Is mob m wm ft or Apltliastdo Low mmm�gr" Ps raincoat oo be plaid oo atwh mamance p ecooda.Lemtdez Ad not bet'!111-1 to pay Ik oowar my igims ar ottteimp an mob p woaada.P=for p*lie amps,or miser d"pm dm nolu d by Bmowar no be pdd otu of the bowam paceeds and shall be the sale of bonww.If One w mandon c r is sot eeaaamrtldalbr horrible or Lemmdar'a nm*wetnid be laaonad.f'Auffmoc pmcoeo sW be m the mu n otad by Ws Seams* Isowneat, whetbec er not dw dm with the art a n, if say, pWd to war.3wh manse pm+oa"dMO be SR&W in dine or tptovidod fm m Swdw 2. Xf mar d mmdma the Ptopmuy,Labor IM 11* and match MY&VtftbSb imrAMW d WM and nbW aaaaari.If Bat ow er dotes riot ttoapud witbia 30 to a haft ttoam Laft dmat'dme loom pun caoadw item offered a aatde a chrism,dim Latch may ntBo"ad ad&dw claim.The 304W pniod wS begin wthaa dine:mdmao is gluon.In d6w omrtatu. at if LeMw ea pim the Ptopprtjr gym: harrier 22 at oritactvw Bartoww bn*y to Lemddr W Bonoov 'o r*s io my pmocooft la arm as t eat not to ram d rho smrowo to VW varier the:NM cc this 3000My kW t,ad(b)my odmer err"Ha ww's ridhat (adorer darn to tdght w say naftmd of ttaaaewd p=dmu pelt by Haaow) nester aril kwomw poli du ooavo bg dk may,iaaafar a rich d#a on a fp4crbls oa ttm covaoop of dw .IAWw my ammo the b a sw*poem xU erid w so*pit or aemm do Pmpeety or t0 pay aaoosw=j*W notw dine Note or title Sodomy'Iaatmtwamt,whsow or sot than dine tnht�; 4ft-aA(PA)SasOZ# Prq*lot is FOM leis 1101 12-21-'10 13.59 FROM- T-001 P0023/0042 F-553 4.onspeaq.Hatrowar dwU sooty,cam,m d m the Property as Bovom*s pdu*dnWdow w tit)days atler the excoWm of dris Serau*DWWNMM sad"oattd=m otxaspy dW Pfhpsrly at BaMMW'a priardpd reskimm far at lasts one yaw aft dw dale of may,tralesa Ltatdw rbd►SWisa in weft. wldch aoumm 44 not be ammorrdrly wWAdd,or wJm eatmrudag Citowslr wo vdK which taee beyond Botttan Wx caum t. 7. narsal atuio+ta blahs m" amd Pretacdom of thus pap"; Lnpatctioatt. Boeroowm aliNati. not destroy,dtaa w or hap*die PnoOactp,thaw Oic PMPWW to dstariWm Of COMM tit wasps era dw }'- Wbobw or not somwea•is ndft in go P opedy►Bon vow wt shA vmkok die Ptoptty is COW b paareat the Pkopaq ftwo dossdotf AI%or deerteasieg in Vohs dw to 10 andbIOL CTnitas it is 40600 0601 POINO is S+ecdva S that mpok or res wroloa is not fambin,Dommer Mball prowok apdr lbs hopuly if djmWd to s"M ftt*a detark&vAca oK daatawge. If kwatim or eaadst doe ps"IM ir sea paid is comwcdotr wrhh damage to.or the m1bg at, do Y,Bmaowar aholt be n6folObb for or roaotiag do property only it LdWw has relaasad pm" mh ptap=L Leaft OW dibsge ptocoeds for the t psw sad r dmi door is a sb4* Paul or in a serios of popes p►yaneaw aR the wcxk n c4aatpiatad. N do bmsom or coadmoaadoa proceeds we net wAffkAw to nPlir or setitose tht:Pmpwty, Donower it ttotnamed of&,woes atkam for thecomplsdon of mb upok at ramorww. Letdar ar in agent away suitor >;aaaooalrle ON Ind kmpwdm of dw Pmporty. if it has remaxwhle cme.'I.+tadw imsy inspect dw httaciatr of the impmumo on the PtaperW Lradtt suss give Boumcr oodcC atthe time of or prlar to each an itrllpactiaai ding auaoh aeittraaaitlscaaase. L Bwromes Lmtn Ate.Botrawn mW be in dew it daft lire Loan qgboon p mum, Baaawer or any pm=or a acting at Ow direedon of Da mom or with Bt►ree m'a or counat pave mmoWly fdat:,midatdiag, or itatwaft hdlosassion at to Lumbw(err fdW to pvo*Lradar*Jdj mwmW inf wAdw)m cmummm win tiaa Lana,laden od upacnaftme ipaia*but �aoa># tb,tadpteaattatiatta o�BgtyttrWelr`a oeearpancy of the F�rvptotty as Baartnver`s ptku�rat "WORM 9.Pretedit of Lender's k Ow Proomy and XWO Ebrdes Brio SOCIN r IaatrMSertt.If (s)Bomcowerr bb to perform dre covenaMt and I I -OMWA ad is rids 9otasdty 120traynOK 0)Om is a Usd paooasdfng lira mot* aRect I.antlor's inow is dr.Php" andikar vWw dos lnaommo at (smh as a m cufacconaw of a lies which sm pd over��bftwmm or us adonoe lira or tngttlati u), or(c) Dour war has toed dm Poop", rhea I.aardtar main do and pay ftr vbatdeac is t+essarattble Of m pt+oloct load$ in *6 l'areperlp* sad r a�otstat this 9�roity Tnatrtastasnt, p odlar nmft the vslae of dte , WA+wecidgg asidor tie paoi+etly,140MAI SOlioos can irrtUio.tent ate not 110"to:(a)p4ft apt►aaaaa aaoand*a li' 1 horn pd oust this Iattilim l:(b) in mat ad(c)pad*aoaaWW& !s'tear to provat its serenest is ttte Wolrarty soft*B ttoditr dtir Seattt hOMMICK bcbft ks ua""pion in r tw*mpwy mv. 14, .&Xmft#4 ft"a ► ,btu IN ant mmod b,OMMS Sts to mAc mpdw. chaps lodes, rapiaca of bMd up dm a and wmftw&dadn tutor Aram*ms, bobft or other code viobdmw at darrgee+oao was, and have rrdiilies wood an or *a Amborgtt lAofar my oft sadion aader this Seed=9.Ember daft swot bot to do so and w not soft any drty or as in do so.It is agreed drat I Ow Wpm no HAft far nett It*X may at ti0 act ataAOriated under dds Sw*=9. inht�l•: ft-"(rA)(Owt) Pipe e of 16 rem amore iloi EK" 73apG'U[15 12-21-' 10 13,59 FROM- T-001 P0O24/0O42 F-553 Any mom tiiebtmsed by Loaft oader ihit 5t aim 9 d mU berom aspdiliatsl debt of Ramr v ae+aarad by ek SwadW how neelt Ih me&mom# *a bear iaar t at Ilse:Noe tsttt km 00 dwo of I and *A be ps*b wills smach inumn, tapsan nt*s filom Lendar to Beat 1mYmV�Sam*bwuwmt is on a knaboK Hoehn,m anvil cow*wft A On p mv3dm of 00 ban V Boa mw avpbm yf,oe No m Ibe Psapetty,the kadmV and dr,fee life*At not mwp w4m La da bnnmm It Leadw 3EQiil ad ITANNO Ae It COQWM of Ike Imo. tlblli< tkle pr l Ter iced to t�ta LSD is erect.It.to my naeO k itl14 Oovesw r mbW by Lx+adm COW ta�Vdte*ts6 dk* JOVO r dot inamet*a Rasowa w=iW� 60 *0 + to**qnwp .s4 Ntd�yp AAA% ID ft�i UGNWM,M �yb a .�sLt�,a.,am Ov*0"�to �7F�wr�.,� to*Domm of W+M~bwxme�in cam aam au .,,as �rrr.,..!�bm " F by is��Gq�Y�a M~ i0 nx a-sM*�1111Rw" C046M to pay Im L DOW dots saoeuntd ft u pwmMwip+dasipelsl!po"aft tbm wrens am wkrea as it�mtamtwne covacW otssud to be in effect Lendd wm woopwt,in ad Ywlft tkase ps ame as a noa is km move in au of bm mm.Such loot rgmerra stksiL be tsass� aldt+Mitlautmttsilty�t6s pSrwlt tkrst the Loam is 'Od in 94 smd Lemdtr ahsltl not be tsrini"to pW Bceorower a"i Mftd in tsWWW on such Lays zroee m Lander can so kamt oermet"pspm m ff 1�Isommso me I t e(in the m ad bar Owe parlod!tuft Lmda roquii s)pwoWJ"by sa i m smk d d by I.ettder bltcwmmesw av*UmW is ababsd.smd L mph=•may&dfmbd p!W tsmsramd Oe Intmaleoe.N L a outed MmtaW Immmae as a coefemw of mdit itwt Lost—W Boe 1st was tiws p meesriasss rbtp>$ed trs irAla iws Nb t W Izalantttct In ems,of W s�r raeom%we Lastuhtr's nqomxw for Uaft bt bmwesact ewnim in aeoas*v=wills my srvlltttt sit between Smsam r mid Lacier pnuvidinp for smack muJaWas or=A tsnalodm is---' ellby LAW. in WS Seed m 10 Own Bo towv's ObNomim tO peer iw oms&*420 pmtwide1l Ia&a Note Lander(or any oft do I ,'msm- the None}far eut&ksmas it r ty iR=if B VOW does Mtepay 016140 MONO&Hoono'aer it note pscq►to tore Itot"bMWSM Msxfpsde fasstms eva mo dv*tall d*on A rat iamarnee is iomos b a dw to 1e,mA ov mm iatb *ft odwer psrllioa*NAM or soft tit*title.er rak m bmawee,'I mW aptantalbr acs on tewlmns lead that sere astitA.Amty to dre umpo imsatrIN,aad lbtl G&W pity(or 9064 ta!&W *raederlss.'Iltesmayasnl m a"r qdm the ntaelgge Jm m w nWmap"m W=ft my sswMm ottW* chat dm motlp o iaenree may have avatbbb(which may hwbede hub oba ed boat Mbrop l utar m As a).rmuit of Hest ssV eesmaus,Lender,s Ay pimbam of do Nast,aw*w ate,my trsint0Imr,nay odw andgy,or story stilliinta of any of the Vii,many rssmtivt(dkwdy at' *a s(o vi h m(or saik be dranrctbed ss)a puff of Bom ww's tar� b for swtrselsp or the moeWp i kom's tick„or satate.If sift* , III!!ent pae vtft*K xD atuitsm of Lodw t*m a do*of the iaamar's AIk in mhop hr a abue of die pm*nn pm to the iserom.firm amsmmt is olka enam d"awpeive to red." . (a) AV to o aortmsamtm we asuet ~ tole tmsmtarlm dw $oerr+WW bam so mm tt pay for b ilittwstesttt✓m,ar my oftw twra s of ft Low stbr mpusm Y*8 eat taessmw ache aanm m Hsstraerrowr will owc tar Ms�rtppiSe Tsa�etste,aseaR they w®caret aNfe Barrpwer to t�it/1ard. _ InitkN: -OA(PA)rmep PiRa of a Form sole 1101 12-21-'10 14:00 FROM- T-001 P0025/0042 F-553 (b)!iE no i rrid sat aAhk+t tlrf atd rhr Ins-it atarJ •vaMh Malts tndsr the H�aoevtrnoss Ptra�ettpwnt Aar at it!!tl ar atq erotr 1eaR.'i�lotss ow sa is sa tdo certain r to sta&st�cowl d � b asutoaGdkM d 66 aian lase stsrwnrndiatt ,assdliar teomori"a my Nftri lere�trsrtaa piss 8erawawrs anssusetI artd o tiaras oraae>k�or . A= of biMo dW-meaae Praaedei PWhb m AS b iioaTl mew Ptonaads am hwby wm*wdle 1Yohbe la lAWw, it the 7 is of the OV�ctw,if#* of is�r ad Lesdat'e p"*is not 1trs A tom' asd olaoalim I dW hm dw rat to b*U such PlooeolrAf L=ft 6 i hid.an to iaoyeet awt Prapaw b as0000 he wrtdc ipso bcca to I�s�8 usiftim b=gxcdw dA be modarnsioes ponq*.L.asdsr am pap Aw tiro, aad axniesstien in s aiap- aria a a das of pej tsasa.as the watt is a is made isn v Aft ar Law iat cot p ba patd as l A 1[oaowie, L,asdnc aht�ttttt bs iragsieed la pa&+ aMry ittiedpet ar aoo*p►os ssoh b%cdlstrsssre l die naamsadw at updr is not coosmaic*fe Aft at LaaaWf arorr*waaitl be l #xmd,dsa Pintaae&*A*be wed tao to fm1 1 ar socmad by this boom asst,whwhw at not hats rasa,with*4 mcm, say,paid to Brsirawet'.Sualt Ialiscelrsnaoaas Rats &shat be sppW in the amde r pawidell for bt Secdon Z. to do avast of a total taladng,dOdnag iON,at lane m vdbte d tho Prapatty,the M6CaUMWW PrvM& shelf be WW m des sums sa nd by Mb Swwity Instrermaet.whadaara or not than dare,*i*be at ass,if sap,paid 10 Ba mowaL In dw event of a partial tabs&,duta,cdus,or loss in vane of(tie Pmpaty in which the fear tmtetatt veins Of the FhvwW bdora dre pw W hlriag.d wsodm at mss Is vabte h agwt to or Vww dtan do*mat of the saatss ssmmW by Ods Seaeity Inowma k=mMmdy before rite patW dssitns h^or km in value,is km Boamm and L*Ww odwrwim so"la wriltitp,ate arias sews"w as scow* oa be nsawd by do saroasst ayf ttte Ildtot l"iracaedt the v the treat sttewset of*0 ssstm weaned ittsttetYttteip►yl/srs rho praot�rt taltlrr&.And, A air I by(b)dta far ttgMl6et vd a of dke Pae,ptsp bdm do peetid fig, dawmAm or hm in vahm Any baln,ae dal bepadd to 8ansnm. b the avast of a pm W W&&,dafperetam of lose in vabea of die Paopasty in which be fah wadrtw vAw of fate Psapesty iausad6ataip btsttats are peotial ao dbOnradtan, at lass in vahto is bars raga die zoom of tie soma wand imomfi aly bdbm da ttabo�, &M IAM- Or I= in Vibe, wa m llanaawarr sand LaMkt otttarwlsa#am in w21do&,1hs I,6araeiiseauo Ptrooaoda I be;died to to mm sw aW by Fhb talata siW bmument wb or dea amine ass des due. N dw' ty is abserdosod by aassatve',or it,attar aaidca by Lollar to Btrrsuwer hot lase PaW(su daaliaad b den nm sla mss)airs so issues an awwd to sob a d m for dgwaw.>ifbararrMr in rap o d b Laubt widtis 30 dais aft do dale de uWaas is men,Laaft is to cellist ad apply drat b Avvsedo d&w so t+ema yAos c r of Ow FftpKW or b suers die mend by d6 vrlre�trr at act drae dui, ' n "ssaras arm tteiatl that rttm Partxaeedar ac rise party against wham hss a rWit d action is rsssrd to smeuo Ptvcaads. banowe r shall be m dsfaak d my aymo at pceceedhw whodw civil or a*drAL ie ttsao,m Linde's jod#maik mo did mefult in fadWwe of the P aperty or ocher m awN aupslierso*of L=dW#boom in the Aespssly or TWO under pelf bwatasaL Banmm Can oars Owk a daft*aNd, has occwr4;t ksm as vided in Ss OS 19, a w ft do a das tat to be& �e a n iing 'deaf. is Laauler's =t, 1pnddw fo tC of the Pmopeny cm odter malarial mupeAmast of 4ft-aA(PA)(06021 Pa9•too(If � Form an 1101 12-21-'10 14.00 FROM- T-001 P0026/0042 F-553 140W#its in the Puopraty of ZWO=dw ibis SC y bukuMmat TIM I r I, a of may awed or aisim for dooqp Ow ass amboube to dw irq*memt of Under's fidwem in the>'4op"are busby assigned anlahaltlteyatidto Idler. All its hiacee0 lbot are not aggliod in nxkndm or mpair of the Fcapa W"be a and in die Miff FWAild fat in 3e000 2. 12. Darmwer Not ISalmod; Fmbearms es By Lmdar Not a Waiver. fixomius of the sae for pairaseaa or modidaadon of amorduadao of the mm wowed by gds Soon*InmtttwAW prated by La Wa to Borrower or say Saceum in bw at of Boaao w abaci not qpwm to raiaara the 11011W of boomwo r or any 9voommo at A Eam mum of Dammer.Ladd shall not be aagaiead to comtaanoe paraaueelY�t aPtt any Suc�ceaMor in L of Bawwe r or to rideese m exiced tine for pgnwu or athavwise me"anrotd4doa of to mm mcuW by Ow Secaft hmbmnont by mason of any 4mmod etsb by flee otWad Bommm a any Smocom s In irate"of Boaromm Any foabcatamm by IA MW is emnftg aq xW a,nmedy Vii,wldiotMt Sawa e,Latdar's wmpwm of paiya osm franc I ea m m,aM ddo of Alsoodaaoee in Itaeeatt of Bcirtom or in tmhaohntta lass Man dw muoant dim due.Ad that be a waiver of or psednde the emicise of any ai4ht or roesedy, it Jda ad Me i wal Umbl ty;Caul m,,Summa rs aced AmOps lam uL Bmowat covaosm and apm that Banower's ob§gsdm and Milky aha>l be joitt sad nmaL However, any BoretrOw who co.sins tier S=t Inumum but dam not anmete der l+lotc(a (A)is ft ibis Sam* larlriaaeantoady ItM�gtan4 sad+pottvty the c�a�gtea'a iatutust in des Yandptriy heedar the Iee�ael of deb Seco ty fnowunwig(b)is sot pma 4y WOW to pay des minas nommod by lit Security and (c) that L.asitka and any other bommff coat argtee m elate, madly, foOmw off molm any eccoaweoddlans with regstd to the e,cisea of this Sacm*Invitummt or die Nate widmit the ca-slgner'a coneant, Suet to the provisions of Secdao 19,any 9ulat m or in btlumn of Da Omer who moomm Boraower's oblipohm mdu ddb Soon* hwnn mt in w.Mft, and b appmvai by Lea ft, sW obtain all of Batrvlvat'a r*o and bed nmder this Samtky havivismot Bonower AA am be m4muad bom Soffe4tet's 06MOM and b"lity mtdar dw Sc uflty bsslsm of fatless GmdAr A$n= ID aech 10%W in lu C M ! �L W mid agreements of this Y Iamtmmat slatil bind(except as paovided in Salt 2O)and be, AN Smsecommos and snips of Lem W- 14. Ldw OMM Ltsdet fluffy ChUp Batroarea' fees for wmicea perfamod m coo an *Rh Bonower's de6reewi for the pptpose of peolacft LAndw's bft m U on PaVe W sod r4m mdar ob Sew bmm=4 iecbm*&but not limited to,amorneys' fees,P mperty bNOMn sod vdum as theta.70 nod to may odm teas,die absence of cxpwu amiamaty in d&Sootsby Insamnmt io chmp a tpaoiile fee to Bameiwar eh*na be eousnoil as a oa the tdterg*of such toe.Candor may not�rues that slat mtpeasttly jindleibib. by this Sec u*in u mreat or by Law. If the LoAn x s act to a law which sofa mmdm im lose chaps,and tint law is fin*iealmw+etad so that dw tom em m or other im chma collected or m be cdbmd in connection wide the Loan wwood dw pam im d SWO,theme,(e)any such lost ego slash be m duced by the anmiat ni to zeam dw chmp to die w knit;grad(b)Any sums*a*collected.t5M Booroww which asrwmW peas kip Unin wM be"a"to Bmum.Under nay choose to maize dde Moil by mdacrg the pied awed obdar the M*or by malbg a goat pqment m Bomwar.H a rdiind me doe 1 - priimipal,do redeaft vW be wood As a pow PmPornmd wXk mt any ptrapa mom cbmP (mbodw or eat a pmpqnxm ctr p is pmvidad for swo r the Note).Bonowees somptmoo of any sock reed made by direct peyemn to Bcrre*wa will c:onolum a waiver of any right of acdm Bonower uAght leave wiring oat of such oveedugp. lnkHk• ft-an(PA)(bmo8) Py*it et is Form lean IMn .'. 934-PG I=#.S 12-21-'10 14,01 FROM- T-001 P0027/0042 F-552 XS.Nodow All nodcoo given by Boerower or I atider in aoonecoon wilt tit Soca*huMPOW eaap be in wtnidW Any notice to BanWower to eoM=don Wth dde SOCWity bn=Wen!"be&MMed 0 hares bear iPive to Dom= wbest maikad by Beet dm xwA or wbm noWly 4Wkespd b 300awas<"s mocks adalersar if sent by otitw mesm.Nodae to any one Bosao*w a canal om nodoe 0 ail Nomwsrat wbon AVVIWddc I.a1v day atbet+w w Ma no" add bs the rtltkrs Suaaoatsar ire dt*WM a noes sd*xw by mdoe 0 Lmdw, Bcrsewarr M m itatfity Ieaisr at Iowa's of add�aa.If Lander a paoaedtae�1bc �s of a tL—B rhakt atideasa tiMt pe e.T#ns 6 err be ody one notice a"oss tmdsr gds.deem*Bmweneeatatany aaeo done AQr aetdw eat Loose id 0 be,p;lvea iry it aa'by b by listt tdaaa read nit l+,asdac's s�ldeese staved benmie attlase<talit�r has d.dgnalad aawndtdr addcwats by na>joe tt:8oc:Aaty attiacwt is cooMeatioa rr�ti'ds Sacdirlt;►tnu�pena�ut+at shall nonce daawal tat knave beee!pivett be Iaadwr melllaA agt►udacaiwadby Dandle:if e,1 o11111 1 od by shies Seim w hwKomm is oleo =rw.ft Am Ic"ol ietg Lw, >Rak4s of t.oMmo ale.Mo%=* aos�at"be acaao�i low wA the kw of dte*is*"In whleh the ft"MY is IeCWA A)E sad_ conrenia Win this Som*htaMummt see etJod to say mold of Ltw. Lpr i> y of�'eiionir tIa pods.Inn throat ar k taint bit but slYwm i Hatt be oom tined as a M adeae m=by cost" Lo 60 Ono m pwi CC dome of dtia Secerly bomme oc iha W to cod&u wit AppkiaoW Law,eeah COa t i m Aftot other ow of ddb Seem*Instrument or die None*Md cae be gven often witiaat the Aso vmd in dkis SCW ty Imtrument: (a) words of the maacul'rta goWw dais mew and iactedo aYeat7 woods of woWs of die hone Mender. (b) woods in dw t dimil nwm and iaele&6o-V&md and vice versa,and(C)the word"stay"gives sole,dUmedmi wilt ut any Obiit;a uu to tike any adim. 17.Bw wiwWz Co".Bour lower abdl be gives oot oM of the Now sad of this Seamtity IWOUMcatL IL TtaWw of die l's"m ty or a Handldal bA~ is Berrmow. As aced ip 96 Saotikr 18, in ds P.oppeecy"also m mmy iepak or bow0cki k* mt is ibis PmpM.i p d 1111 but not lbm*d Ma these bwWkW ioaawnta irtitsfeoned in a band for dead„cow=*W drtal, +miss wOnpwict or"maw sgteaaaaal,tits it*m of wbieh is shit nga*r of tide by Roamwar ate faeass d�e to a pm bmw. if al`a day pen of At or as Coleman in die b is sold or 1, (of#8ascdwtarr is aot a aeMaal paraort sad a itisan in Barrow er Ir ells or w m&A Leader"a pdtr*d" outtuotit,i oewder ntay barAdha ptylitttat in fW of 0'B asps seoared by this Seoa*PtnMli ML Howevaw;,this apdm a�bo mummisea by krontlar if w9h emoodw is pWuUW by Appllk&*Law. If Lsadar eamide.e thin optim, Lo der dwA On Baao*w odka of aocdwsdwL The nooks.ab� p Age a podod of not lase than 30 dqs goat dta date*c nodes is om to aoccalw a V40 Sew 15 wvkfto wolilot��nmt ply all limes sacisend by 800arttg aaat.If Boaowrer lids to pad these atmAa pier to den*# as m of this pamod.I.odw nay Invoke.say rtlssedies p by ft SWA* 7ytetra.neat wiam p aster notice ar deantwd art Dwow r. 1!. bmtmwWo Bight to irtdmo to Afiv Aeodiwedm If Bouawar now cwtart amUm, Boat<ow+er dsB lbwm*a rWK to bavo aaht mmt of ibis 3mmuft buirmommot dW000dmod at say*w pilfer to the earliest of (A)tive&p befoaa ads of die 4M 9 to say poem of aab oom biwd set tbk 9etar htmsnmtrt:(x►)sock odic r paritid-- A l.anr at far tkta tMf>lataetiwr'e right eo Mi muw;our(c)entry of a M"M olooft lids SMM*Lasetimoant.7base cordidW as4 diw Banowaw�r:(A1 Sys Lender all mina which ikon woW be doe i dw 06 Seetwhy a taett sal!do l4te tie if no ar.uoiaratbn had oaatmed; N? cum aril'default of any odim caveaaots or agnwww, (c)pairs aufi t -iA(PA�{phi pxt.t9 ot, Form 000 1101 12-21-'10 14:01 FROM- T-001 P0028/'0042 F-553 racpmsoar bmwed in Onfowing Ods Seasrlty laiasnmaent,bchWWE,but YO*need to,MMIcaft a f nwp* tea%prop"kopacdon and vahmOce fm.and other Deem m aaaod fear don pum me of peeweodnj La ift's know in rho PnpwW and> wWw do@ Sex u*y 10arv1l ow,ad(d)a*em such scan am Lander awry zaaecuft rarke m am=dint Laaebror's bured in dm Plrapoo and zighfn undw fhit Smtwt*lookwaaa, aid Amarrmes og%pd a to pay the mama sawed by time Samar b*unwiL"oaadane abedOangat r uAw may raapriea dint Boaxowmr pW sash nbftmwm amaa ad aka iin one cc moo of its low&as udected by Legdw(a)asmb;(b)mawy odor, fa)codbd dock.book cbm*,trmusoar's do*or csaAWs check.p wvidad any no depot is doatwa Capon are hoot ion wkm dapamits nave iolporaod by a tilaW agency,i9nafaemsetttdYty or eaft or(d)Ebo anon PwAb 9Ios Ww. Upon rdaasumunt by DauxWc� ibis Sacwky bmimmom vend obiigadmais secaaad bacabp AM reauda My effeadwo am it no wedwWas bard occ.umad.How,flda rigkt to reina m dW not apply In the cnlroe of soodWsoan nmdr Saafloa 19. A Sob of%ft;CSmfg+e of Loan Sae l ter,No"of Aeiavaaee,11w MM or a paotdsi WxwK in die Nola(Ragafhw with t ifr Sac n4y IaslrfroArwO can be mold an or sham tbaea wlriroat prior nodoo iD 31w wrm'. A ate►ear&umk in a daW in die rimy(kown ss die"Low Swig mc")flint c ubcb Pa>iv&14kytaeaan dine andw dw Now and ilia Swnaipr lnabcaaaant and pee brw other mas"o loan swvi*g w dw the Note.fbta Seeueity Ima waem,and Aprbcabla Lava,Thlsm adso=R&be one or m n asbufdss of Or.Loan Suvkw tmadated m a mate of foe Note,It there is a chvW of dw Loan Saavioer,BoeonOwtw wtd be giver *don noon of the dwW which witl atoaee fhs same wJ afiiaean of ft am Losn Sa vkaa,to ad&=to whkb payamna shcaM be made and any odiac iiafarmatloan UVA rag"in aoamocWn w*a trot oas of trumfu of wykiag.N die Now is said and*=&filer die Lams is swviced by a Loaf Savim odier than die pwdaw of dun Note.tho fttagW ban w nka*olOpmocat to Bwowor will nook akin &c Loam Savioa or be vandarod to a an omw Loath Say!=and=not aw m A by the Now ptnrckm u noses a>dwriap paovided by the Now pun . Maidw Harrtaawar w Linder we eonimeaca*,jom or be joiaad to any jgdiofnl o (id a%w an bWv*W IdgW or die mmnbar of a do*dint wh a<itoan flee a 0w ptuty's ac*=pwvmot m ftda Sawa* 1wW mtmort or @snot agpaa ftewt die odmr parW h u bnedwd airy provision 4 cc any&q owed by now of. Om Saoa a>nd maeh Borrower or Lenoir has trslibed due obw patty(with auah aindee Swan in couiplaw+oaidr dtfi x*qWmmww of Section 15)of awh AcW d bmh sad a Rated foe odw pwly boe:eo a reaaoattilde pwbd afar dtc sift of mach aodca to trim couvafiva&%m If Applioahie Low pmavidsa a bone period whiob ow depue be=eaeaiaiis scow ran be akin dmttgm period wiS be defamed to be rawwW& for pugoses of ft powgWb.Zhe nodt:te of wcdwWm ad q*%twdly io an tip an Bosaawar pmtimt to Sadao 22 and fbs nodes of agoftaft tip m Dommw)SOStrasrrf to Secoft 18 odul be domed to earfi*foe modca and apptxdmity to isles oamreedve 00*0 P*VJ*ft of Ms Sacdan 20, 21. Mbawdow Nobe rtecea. As aced to dds Secdiosr 21: (a) "Ibxe dons Submim m" arm Owaa sabmdnow ddiw d m mw or hwat4out a ftw ces,VaSa eKa,or wow by rib td Low wdi do foUmv*Wbiftem pKili e.kwasme,other fb=aW a or mic 1,11ntde pji ftM,trracio l, cad haWdft. valmfb advents, imtQ We cooWigog aubefts at fatal A dehyde, and radlea*ve asaaeaisbr; (b) "Bnv Letw'maw NOW In"sad laws of tba)WOMWOM wham ft PsgwW is kwo nd dW v*u to iw k o ft or Ufa]PMUMiaos; (0) wanboNea+ttftti Cleaaw ioaedades any nepotue scion. "meaiial loom,or zanovd action.as deft M in Rnboumeatttl Laew;and(d)an"Barvsonanaaal Condition" minas a condom drat cam=we*conor bin to,or odiawla ai wan BnvirOnmauml Ckankrp. rnitak� 4%-$A(PA)pool Pap tv of to Perm aaasf lfat RK f 1 :O 1 : 12-21-'10 14:02 FROM- T-001 P0029/0042 F-553 am dbw swap ae oD - I -- -; dw Jet Tim ="'!dsq--- Ljw. . ....... w..+..Y«..waY►N-..s-t'..s.a. r. Y. ..... ...�,+v,.l.. ... atroalos att VLnuoeamstaert of ,des Io tbs att d m aR GOWin( # bite tra#ed d tbtl two �ow apps r a dta are„at am 16m od d ara 1a b4 a 1alsattd a eeeiwaauoa of Akan IW= iia Lem node o! iia, OF ;IN IWIN 0) sax 8a mot intilet!iu, mtiru , ,xtdse ar t of rdetwr d dmi Slow w, od(e) my 4da� armMed 9r NOW paalattoe, aes a of a Lfnmmmlatra wbitdt adYmcv* go V*A at#0 pup".Tf bufrom ar is by aay ar .ar ,ti wa�►somawatE air afar at the Pxwm is smy, tit awpdpr taim ail w EWm ,Nom hoods*A mum my doodw an for w N► COVBNAN M.Haeow amt Lender i wAw comamt mad awe w few>t m: Baaa�a A ;Xmwd 1wr &e ae rule r b�► ttter�tr diie�ost 18 tsr�lle LlIII p i a[MOON: NNr L 1Mt i m to� a+tmtra rri it I" diem ad s! ar ttIMlMlI' driMra to a: att mfrd ko is Wit Imp lMratrai+emeis�dd die r ad io S3.'Saiamsa, I of an smaMw sccaat 1d► daalefupett smd ilea aatmr awsa am@ 1leaasma vait r�aadec�oMr.L,aader a iba ibt the he �Lievie If p�a a pUCy fer viCOt ieniiered artd Mtia +aea,i oxror W the eadcmt by A�Low,wmivaa sod edmm w my amt or 4I in i� to;wo;w*A, dawt� Ttt ot,� dm Wms�t of any ar far stay of exmmiowt,�of tine, fraaa I"y�amd tE+aria�d.stta"W's dm Lu Woiaaleaprmrvided. Secdn 19 shad.Cow 1Q an trout prioor to the of bra st a dwWs ads or odmr ads fr=PWA 1a din X of the ddtt mmi by t1i m bw to amower a a doe 10 tba y,ddsa�bwomm d--Jft a pears siomsy 27.fmaleat Iwo Athr .Noffa wrc adsaae so des mo mw a9er is eat W an theNow or in on atxiat►of mawG;f wldmme ai l be dm aw imri�tunic a tines VON the Nots. 11"(PA)JaOM Page 14 6f Is F"M IM 1M • N�ltkk: 12-21-'10 14.02 FROM- T-001 P003O/0042 F-553 • BY SJM4NG BW W, BM War Wup and AVMS 10 dke farms m d wvananfa wuvJ d is dub Swa*Inudl wn=t and in any Rider csa oW by BMowar and nowdo d w1a it. *•TRORO ARE MOMrOILIGATEQ IIOME1 M OM fWiT EZ$WTR THIS DOCViW" 'W'ifftiM M. 4TAM -Borrower -�connoarer (soap (Sao) -Bearowe: -Borewa 3TEIIEIi N •no wer (SUD Barmwer Cam) -Bormwr -Borrower Qk-"(PA)t000a) Pay to e€to Form 3m 1101 12-21-'10 14.03 FROM- T-001 P0031/O042 F-553 CObVAO VVRALTff OF PVMSYL VANL,J, 1�hrlr.Wr t o J Coanty tak4: on dais.the ISAV) OV°f�at Y r lam may ho undwsww cftm,pesqN*�, T �r *-t m- )A#- �tcdly�«►) to be tine h+�m ma{or �� wluaat tai) s`s�c subart3bed ar ttta wtehin intsr<umtat and ac]mmk*W d*hoMmlthay umted the mne for ttm pwpom heroin contdnt+d. IN WnNM W 0F,I hereunto at my had and offimW scat, My Cmwnbdm B : N(7 AialTA�IiAL SEAL "'.•��—'''"° -�'- .,..- KAA1F A. tW. C6. Cow too$0.11,2006 "' " Sr . 9L{Dt i C. C4"Nklft atr I' wn bbumm in hmby dw die ot � . ox hff aasol rrZ. Wxnan my had this 1WV\ day of I Agfttof Man,"Inifts.Not;4ft-OM1MA)MG02y Poow IS of I$ F4*fjn SM f/ 12-21-'10 14,03 FROM- T-001 P0032/0042 F-553 a Exhibit A AU THAT CRRTAIN lot or piece of ground situate in Lemoyne Borough,County of Cumberland,Commonwealth of Pennsylvania, more particularly bounded and described as follows,to Twit: BEGINNMG at a Stake on the southm Dine of Lowther Street, said stake being 355.1 feet east of a concrete momament being also 375.6 hot east of another concri tc monument at the southeastern intersection of Lowther and ltossmoyne Streets; theme in a southerly diration along the litre of lands, now or formerly , of the caft of James McCormick deoowsod, 195.5 fret to a stalm;therm in a wossuiy direction aim 60 Hoe of said lands, now or £arrnerly of the estate of Junes McCormick. deceased, 33 meet d indb es more or Less,to a point on the line riming through the center of the partition wall of the double franne bungalow erected in part upon the lot herein oonveyod and in part upon the tot 4oining on the west, thence in a northerly direction along the said line through the center of the said partition wall 200 feet, in= or less, to a point on the southern line of Lowther SUveet, thence along said southern line of Lowther Street In an easterly dit*Wou 33 feet 4 inches, more or less, to a point or stake, the place of BEGINNING. HAVING THMON ERECTED the east= one-half of a double frame bungalow, known as No.242 Lowther Street,Lemoyne PA. BEING the eastern portion of Lot No. 61 on Plan of Lots known as"Lowther Walton," said Pfau being recorded in the Office of the Recorder of Deeds in and for said County of Cumberland in Plan Hook No. 1.Page 104. r 12-21-`10 14;03 FROM- T-001 P0033/0042 F-553 ADJUSTABLE RATE RIDER. THIS ADJUSTABLE RATE RIDER Is made this 118th day of January toes, and Is incorporated Into and shall be deemed to amend and supplement the MoAMe, Dead of Trust, or Security Deed (the Vecurity Instrument')of the same date awn by the p�igns� E�ower'))tto secure Borrower's Adjustable gate Note (the "Note") to (the "Lender") of the same date and covering the Prapsrty described In the Security instrument and located at: z4Z LOVTIMN 1711111 LEMOYNE, PA IT043 (Property Address] TH1S NOTE CONTAINS PROVISIONS ALLOWINGI Ft1R CHANG99 IN MY INTRMEBT RATE AND MY IwlItNITHLY PAYSIONIT. INCItRAiI'!� IN THE INTEREST RATE WILL RESULT NI 111110HER PAYMIUM DRCREASES IN TNR WTlKRlE8T RATE WILL RESULT IN LOWER PAYMENTS. A0017XWAL COVENANTS.In addition to the covenants and agreements made In the Security Instrument,Borrowar and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an Initial interest rate of 9.450 46.The Nate provides for changes In the interest rate and the monthly payments,as follows. 4. INTEF >5T RATE AND MONTHLY PAYMENT CHANGES (A)Chaatlle Doi The Interest rate I will pay may change on the t I rat day of February 280s, and on that day every s I xth month thereafter.Each date on which my interest rate could change is called a"Change Date." MULTISTATE ADJUSTABLE RATE RIDER-Single Family F (0402) t! 1 p 1 of 5 inideis: rrt• 11 VMP Mortgage Solutions, na. (000)691-7291 x`93"�D 125 __.. . r 12-21-'10 14:03 FROM- T-001 P0034/0042 F-553 jai The low" Beginning with the first Ghangs Date, my interest rate will be based on an Index. The "Index"Is: the &:Wrap of Interbank offered rates for six-Iaadth U.S. dollar Isated dWstts in "a London earkst VLtl11111111"), as uhf i In the NAL w STiNl1E't' imosl recent Index figure available as of the date: LJU 45 days before sahah Change Date Is card the`Current Index." if the kw*x is no longer available, the Note Holder win choose a now Index that is based upon comparable ihdormation.The Note Holder will give me notice of this choice. (C)Cafachullathm of Chang" Before each Change Date, the Note Holder will calmlate my new Interest rate by adding Six and !f tasty-lt i hhe Nandrodthsc percentage pobtts ( 9.2994 %)to the CyLrent Index,The Note Holder will then round the result of this additon to the ©Nearest L.1 Next Highest ONexlLowest Oi ar-lli#ht2 ( 0,125 %).Subject t to the limits stated in Section 4(D) below,this rounded amount will be my new Interest rate until the next Change Date. The Note Holder will then doternilne the amount of the monthly payment that would be sufficient to repay the unpaid principal I am wWootod to owe at the Change Date In full on the maturity date at my new Interest rate In Substantially equal payments. The result Of this calculation will be the new amount of my monthly payment. InUftet-Only Period The "interest-only Period" is the period from the date of this Note through N/A .For the interest-only period,after calculating my new Interest rate as provided above, the Note Holder will than determine the amount of the monthly payment that would be suftlent to pay the Interest which accrues on the unpaidd,principal of my loan.The result of this calculation will be tthe new amount of my monthly payfownt. The "Amortizaation P9rtod" Is the period after the Interest-only period. For the amortization period, after calculating my new Interest rats as provkled above, the Note Holler will then determine the amount of the monthly payment that would be Sufficient to repay the unpaid prinolfpal that I am expected to owe at the Change Dots In full on the Maturity Dane at my now interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment, initialsa: �999R{04x)2) Page 2 of 5 A, . i 0* �`2,1 - - -- 12-21-'10 14;03 FROM- T-001 P0035/0042 F-553 (0)Unike on fntuaw Ratw Chanipse (10"W fMta boscec If no tone is abooll od,there will be no modiam linldt (1)There will be no maximum limit on interest rate changes. (2) The Interest rate 1 am required to pay at the first Change Date will not be greater than 11.450 %or lose than 9.4519 9b. ( (3) My interest rate will never be increased or decreased 0&1 Change Oats by more than One and One-Na l f Percentage points( 1.5000 'DA)from the rate of Interest I have been paying for the preceding period. (�(4)My Interest rate will never be greater than 13.4500 %,which is called the-Maximum Rate." C3(5)My Interest rate will never be lose than 9,4500 %,which is oa fled the "Minimum Rate." (0)My interest rate will never be toss than the initial interest rate. (T) The Interest rate l am required to pay at the first Change Date will not be greater than 11.450 %or less than 8.4550 Thereafter, my interest rate will never be increased or decreased on OVVAMange Date by morn than One and One-Hatl perowMW9 points( 1.5900 %)from the rate of interest I have been paying for the preceding period, (E)Effeetivw bate of Changes My now interest rate will become effective can each Change Date. I will pay the amount of my now monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F)Notioo of Chenges The Note Mohler will deliver or trail to me a notice of any changes in my Merest rate and the amount of my monthly payment before the effective date of any change.The notice will Include information retpnired by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. lnitlals: p(1)402) Page 3 of 6 12-21-'10 14,04 FROM- T-001 P0036/0042 F-553 t B. TRAM~Of THE PROPERTY OR A SEWO SAL lit' EMOT IN BORROMN Uniform Covenant 18 of the Security Instrument Is amended to read as follows: Trawfsr of the PrOP" or a BlfMitk tits IN~ In Denuwar.As used in this Section 18, "interest to the Property" means aR►MQW or beneficial letterset in the Property,including,but not limited to,those beneficial Interests transfer in a bond for deed, contract for deed, installment saiw contract or escrow agreement. the Intent of which is the transfer of title by Borrower at a future data to a purchaser. It all or any part of the Property or any Interest in the Property is sold or transferred (or If a Borrower is not a natural person and a beneficial Ingest in Borrower is sold or transferred)without Lender's prig written consent.Lander may require Immediate payment In fun of all sums secured by this Security Instrument. However,this option shall not be exercised by Lander It such exercise is prohibited by Able Law, Lender also shall not exercise this option it: (a) Borrower amuses to be submitted to Lender Information required by Lender to evaluate the Intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be Impaired by the loan assumption and that the risk of a breach of any covenant or agreement In this Security Instrument is acceptable to Lender. To the extent permitted by Applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the khan assurnp tion. Lender also may require the transferee to sign an assumption agreement that Is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Nate and In this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender relsaaes Borrower In writing. If Lender exercises the option to require Immediate payment in full, Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 90 days from the date the notice Is given In accordance with Section 15 within which Borrower must pay all sums secured by this Sermrity Instrument. if Borrower falls to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. rnitisis. 4"R(0402) Page 4 of 5 . 4:2W 12-21-'10 14;04 FROM- T-001 P0037/0042 F-553 BY SIGNING BELOW, Borrower accepts and agrees to the terina and covenants conaMed in tft Acqysftle Rate Rider. w. Be AN W- Ia TAO itWllli(s) MNB IW=T In gun TNII OOCL WW** (Seal) (seal) A NITZ -Borrower -sorrower (Seai) (Seal) -Borrower -Borrower (8sal} (Seal) STEM N. -Borrower -Borrower (Seal) (Seat) -Borrower -Borrower 4"R(0402) Pages of 5 Certify this to recorded PA - In Cwberian Couni d y ILIUnt nl nl r�>rn+ro p o.Rrn'111NN Dr ntiln tl�lO irrri.rrlNN A Qf-% E)6o wI LOAN MODIFICATION AGREEMENT LOAN NUMBER: THIS I+OAN MODTFT.CATION AGREEMENT made on November 03, 200"), by and between TANYA M RITZ and (the "Borrower(s) ") and America 's Servicing Company W T T N F S S F" T H WHEREAS, Borrower has requested, and America's Servicing Company has agLoed, subject to the following terms and conditions, to a modification of Lhe note as fol_lows: NJW 't:-iEREFORE, in consideration of the covenants hereinatter set ror.ti: and of z)Lher good and valuable consideration, the rcceipL and sufficiencv of which are hereby acknowledged by the parties, it -,.s agreed ar; follows (norwithst:andi.ng anything to the contrary conta.i,ned in 'she Note and Mortgage) : l. . 3ALANCE. As of November 0:3, 2009, the amount payable under- the Note and Mortgage (the "Unpaid Principal. Balance") is U.S. $ 54, 327 . 94 . 2 . I,'x ltvrSl"cxd. This agreement: hereby modifies the following terms of the NuLr' and Security instrument described herein above as follows A. The cur.r_ent due date has been extended from 08-01-08 :0 0_/01/2010. R. The maturity date has been extended from 02-36 t:o 02.10'11�U30. C.. The amount of inLe_esL to br C:api t.a l i zed wi_I 1 he iJ. 5. The- mod] l i ed unpaid principa- balance is '1.S. $7.3, 422. 64 . fJ. The borrower pLOmise to pay the unoaicl principal balance plus; intcres':, Lo the order of the Lender. Tnterest_ will be charged on the unpaid princ-pal balance of tJ. :>. $ 73, 422. 64 . The bcrroweL promises Lo make monthly payments of principal and intere,t of U. S. $ 419- bb, at a fired yearly rate of 5. 000%, not including any escrow deposit, if applicable_ If on the maturity date the borrower still owes amount under. the Note and Security Tnstrument, as amended by this Agreement, borrower will pay these amount in full on the matur..Lt.y date. 3. NOTE AND MORTGAGE.. Nothing in this Agr.eemcnL shall be understood or canstr.uc:d vo he a satisfaction or release, in whole or ::.n part of the horrower' s obligations under the Note or Mor.tyage. Furthe", except as other.w-se specifically j.>rovided in t-nis Agreement, the. Note and Mot:*gage w, rcma.i.n unchanged, and borrower and America ' s Serv.ic.i.riy Company will be bound by, and shall comply with, all of the terms and hrov.isinns ther.eaf, as amended by this Agreement. 1,C375/DP0/Page 1 i Loan Modification Agreement Page 2 of 2 Loan Number �� CORRECTTON AGREEMENT. The undersigned borrower (s) , for and in consideration of the approval, closing and funding of Lh.is Mod .ficallon, hereby yrants America ' s Servicing Company, as lender., limited power of attorney to correct and/or initial all typographical or clerical error, discovered in the Modification Agreement required to be signed. In the event Lhi.s limited power of attorney is exercised, the undersigned will be notified and receive a copy of the document executed or initialed on their behalf. This provision may not be used to modify the interest rate, modify the term, modify the outstanding principa . balance or modify the undersigned's monthly principal and interest payments as modified by this agreement. Any of these specified changes must be executed directly by the undersigned. This liiioLed power of attorney shall automaticolly verminane in 320 days from the closing date o` the undersigned' s Modification.'-10;7;-+" (Burrower Initial) I iii By s.ien.:ng this Agreement 1 hereby consent to being contacted concer,n. ng this loan at any cellular or mobile telephone number i may have. This i.ncl.udes text messages and telephone calls including the use of automated di.a.Ling systems to contact my cellular or mobile telephone . You wall. noL be hilted by your cel..lul.ar or mobile carrier for any text messages you may receive from America 's Servicing Company however any calls we place to your cellular or mobile phone wuZ incur normal airtime charges assessed by your mobile carrier, . IN WTTNESS WHEREOF, the parties hereto have er_avutcd this Agreement Z15 the date f..1rsL above wtiten. tior::,)wer/ a,_e Borrower/Date BorrowerNate _ E3orrowcr/Date A erleica s �r-vi ci.ny Company (the "Lender") ,C37`i/70/page l vp � l 50%oil 043 VERIFICATION-AMENDED Karina Aguirre, hereby states that he he i Vice President Loan Documentation of WELLS FARGO BANK,N.A., plaintiff or mortgage servicing agent for plaintiff in this matter,that he she s authorized to make this Verification, and verify that the statements made in the foregoing Amended Complaint in Mortgage Foreclosure are true and correct to the best of hi er i formation and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. DATE: ��f' �� Name: Karina Aguirre t Title: Vice President Loan Documentation 054-PA-V2 File#: XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FMI Plaintiff, NO.: 11-1977-CIVIL VS. Tanya M. Hitz;Steven M. Hitz; Defendants. ORDER OF COURT AND NOW,this `day of reiakag-j, 20 , upon review of the Plaintiffs 1-1 Motion for Leave to Amend Complaint, and Defendant subsequent response, if any, IT 15 HEREBY ORDERED that Plaintiffs Motion is GRANTED. Plaintiff is permitted to file an Amended Complaint in the same form as attached to its Motion as Exhibit "B." BY THE COURT: J. C= C3-n IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FM1, NO.: 11-1977-CIVIL Cl) C Plaintiff, -O3 w vs. Mm rr z =M ^p Mr- == Z7 -n t„!'7 Wr- -- =C7 Tanya M. Hitz; Steven M. Hitz Defendants. : Zo dc'•a Z'x „gym t.n D w CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the Amended Complaint in Mortgage Foreclosure was served on the following 10th of April, 2013, via First Class U. S. Mail, Postage Pre-paid: Tanya M. Hitz Steven M. Hitz 242 Lowther Street 242 Lowther Street Lemoyne, PA 17043 Lemoyne, PA 17043 ZUC LDBE & ACKERMAN, LLC BY: Dated: April 10, 2013 Scott A. Dietterick, Esquire; PA I.D. #55650 Kimberly A. Bonner, Esquire; PA I.D. #89705 Ralph M. Salvia, Esquire; PA I.D. #202946 Joel A. Ackerman, Esquire; PA I.D. #202729 Ashleigh L. Levy, Esquire; PA I.D. #306799 Attorneys for Plaintiff XCP-147329/mme 200 Sheffield Street, Suite 101 Mountainside,NJ 07092 (908)233-8500; (908) 233-1390 FAX Email: Office @zuckergoldberg.com ` IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PEN NSYLVA" rU : c Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FM1, o No.: 11-1977-CIVIL :°- Plaintiff CD ISSUE NUMBER: =C) s vs. r ---j TYPE OF PLEADING: Tanya M. Hitz;Steven M. Hitz; PRAECIPE FOR ENTRY OF JUDGMENT BY DEFAULT Defendant(s). (MORTGAGE FORECLOSURE) Mortgaged Premises: FILED ON BEHALF OF: 242 Lowther Street, Lemoyne, PA 17043 Deutsche Bank National Trust Company, as Trustee for GSAMP 2006-FM1 Plaintiff COUNSEL OF RECORD FOR THIS PARTY: ZUCKER, GOLDBERG &ACKERMAN, LLC Scott A. Dietterick, Esquire- Pa I.D.# 55650 Kimberly A. Bonner, Esquire- Pa I.D.#89705 Joel A.Ackerman, Esquire- Pa I.D.#202729 Ashleigh L. Marin, Esquire-Pa I.D.#306799 Ralph M.Salvia, Esquire- Pa I.D.#202946 Jaime R.Ackerman, Esquire- Pa I.D.#311032 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908)233-8500 Atty File No.: XCP-147329 a� bpd a DIL �OW9 a9 Praecipe for Entry of Judgment Zucker,Goldberg&Ackerman, LLC WP-1473 �i / IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Tanya M. Hitz; Steven M. Hitz; Defendants. PRAECIPE FOR ENTRY OF JUDGMENT BY DEFAULT(MORTGAGE FORECLOSURE) TO: PROTHONOTARY Please enter judgment, in mortgage foreclosure (in rem only), in the above-captioned case in favor of Plaintiff and against Defendant(s),for failure to file a response to Plaintiff's Amended Complaint within the appropriate time limits from service thereof, and assess Plaintiff's damages as set forth in Amended Complaint: Amount as set forth in Amended Complaint $81,815.06 plus interest on the judgment amount($81,815.06)from July 13, 2012, at the statutory rate and for foreclosure and sale of the mortgaged premises. I hereby certify that the defendant's last known 242 VLER r 242 Lowther Street address is: Lem 1 3 Lemoyne, PA 17043 ZUCKER, R AN., LLC Dated: �' `� BY: Joel A.Ac er an, Esqui e; A I.D.#202729 Ashleigh . Ma in, Esquire; PA I.D.#306799 Jaime R.A ker an, Esquire; PA I.D.#311032 Attorneys fo laintiff XCP-147329 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233-8500; (908) 233-1390 FAX Email: Office @zuckergoldberg.com DAMAGES ARE HEREBY ASSESSED AS INDICATED Date C% Prothonotary `` '' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as CIVIL DIVISION Trustee for GSAM P 2006-FM 1 Plaintiff, NO.: 11-1977-CIVIL VS. Tanya M. Hitz;Steven M. Hitz; Defendants. AFFIDAVIT OF NON-MILITARY SERVICE AND CERTIFICATE OF MAILING OF NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT STATE OF NEW JERSEY SS: COUNTY OF UNION 1, the undersigned attorney for the plaintiff in the above action, being duly sworn according to law, do hereby depose and say that the statements made herein are true in and correct to the best of my knowledge, information, and that: 1) The Defendant is not in the military service of the United States of America to the best of my knowledge, information and belief as evidenced by the attach 2) The Notice of Intent to take Default Jud en ai d i accordance with Pa. R.C.P. 237.1 and that the time limits provided for that notice ha e * e ZUCKER, AN LLC Dated: BY: 97" g Joel A.A kejman, Esquire; PA I.D.#202729 M Ashleigh L. 4aria, Esquire; PA I.D.#306799 ❑ Jaime R. ck rman, Esquire; PA I.D.#311032 Attorneys'Ur Plaintiff XCP-147329 200 Sheffield Street,Suite 101 Mountainside, NJ 07092 (908)233-8500; (908)233-1390 FAX Email: Office@zuckergoldberg.com Sworn to and subscribed before me This �— day of jajx, 20 /Z ftfKpalic My Commission Expires: Cheryl Debeneadto Notary Public My Comm. Expires Oct. 16, 2016 ID#2280276 State of New Jersey Zucker,Goldberg&Ackerman, LLC XCP-147329 Department of Defense Manpower Data Center Results as of:Jut-0b-201312:02:23 SCRA 3.0 Status.Repoir: Pursuant to Servicemembas Civil Relief Act Last Name: HITZ First Name: TANYA Middle Name: M Active Duty Status As Of: Jul-05-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA _ No NA This response reflects the Individuais'active duty status based on the Active Duty status Dale F A Loft Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date status Service Component NA f;.'- NA �`-'..' a j No r NA This response reflects where the individual left active duty status within 367 days preceding the AoUve Duty Status Data 1 The Member or His/Her Unit Was Notilled of a Future Celt-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notificalion End Date Status Service Component NA sr NA _ �No ,.1r NA This response reflects whether the tndtvidual a hlslher unit has received early noiKcatiori to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. a� Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenseiink.mil"URL:http://www.defenselink.mil/faq/pisfPC09SLDR.htmi. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAH Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: 83WAXB4960AD960 Department of Defense Manpower Data Center Results as of:Jul-05.2013 12:16:29 SCRA 3.0 Status Report Pursuant to Service mwhers Civil Relief Act, Last Name: RITZ First Name: STEVEN Middle Name: M Active Duty Status As Of: Jul-05-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA NA This response reflectsffie intllviduals active duty status based o_n'the Active Duty Status Date �'•_: ' ,,: tai t r'�. \'ti Left Active Duty Within 367 Days of Active Duty Status Date Active Duly Start Date Active Duty End Date Status Service Component NA NA ` f'r } — No; NA This response reflects where the IndMdual left active duty status within 367 days preceding the Active Duty Status Date The Member or HistHer Unit Was Notified of a Future Cali-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA LNA 11 _ 'No f NA This response reflects whether the IndiNduat or histheiuunit has received'eariy notiflcation'to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. iA %put r . r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 at seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mii"URL:hftp://www.defenselink.mil/faq/pis/PC09SLDR.htmi. if you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely an this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: T3RCt_B59COAF5DO I I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as CIVIL DIVISION Trustee for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Tanya M. Hitz;Steven M. Hitz; Defendants. NOTICE OF ORDER, DECREE OR JUDGMENT TO: Tanya M. Hitz 242 Lowther Street Lemoyne, PA 17043 [ ] Plaintiff [-4] Defendant [ ] Additional Defendant You are hereby notified hat an Order, Decree or Judgment was entered in the above captioned proceeding on LAU 3 [ ] A copy of the Order or Decree is enclosed, or [-4] The judgment is as follows: $81,815.06 1 u cos_ Prothonotary Zucker,Goldberg&Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Tanya M. Hitz; Steven M. Hitz; Defendants. NOTICE OF ORDER, DECREE OR JUDGMENT TO: Steven M. Hitz 242 Lowther Street Lemoyne, PA 17043 [ ] Plaintiff [V] Defendant [ ] Additional Defendant You are hereby notifi d that an Order, Decree or Judgment was entered in the above captioned proceeding on (A OA s [ ] A copy of the Order or Decree is enclosed, or [V] The judgment is as follows: $81,815.06 plus qVs. im v—, Prothonotary Zucker,Goldberg&Ackerman, LLC XCP-147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Steven M. Hitz Tanya M. Hitz Defendant. IMPORTANT NOTICE TO: Tanya M. Hitz 242 Lowther Street Lemoyne, PA 17043 DATE OF NOTICE: 5/15/2013 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth again you. Unless you act within Ten(10)days from the date of this notice,a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to your lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal Help. NOTICE TO DEFEND & LAWYER REFERRAL SERVICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone(800)990-9108 Phone(800)990-9108 (717)249-3166 (717)249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL Vs. Steven M. Hitz Tanya M. Hitz Defendant. AVISO IMPORTANTE TO: Tanya M. Hitz 242 Lowther Street Lemoyne, PA 17043 FECHA DEL AVISO:5/15/2013 USTED ESTA EN REBELDIA PORQUE HA FALLADO DE TOM-AR LA ACCION REQUERIDA EN ESTE CASO. A MENOS QUE USTED TOME ACCION DENTRO DE LOS PROXIMOS DIEZ (10) DIAS DE LA FECHA DE ESTE AVISO, SE PUEDE DICTAR UN FALLO EN CONTRA SUYA SIN LLEVARSE A CABO UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS RVTORTANTES. USTED DEBE LLEVAR ESTE DOCUMENTO INNIEDIATAMENTE A SU ABOGADO. SI USTED NO TIENTE UN ABOGADO O NO PUEDE PAGAR UNO, VAYA O LLAME LA OFICINA ABAJO INDICADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR AYUDA LEGAL. NOTICE TO DEFEND &LAWYER REFERRAL SERVICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone(800)990-9108 Phone(800)990-9108 (717)249-3166 (717)249-3166 ZUCKER,GOLDBERG &ACKERMAN BY: Scctt A. D ietterick Scott A. Dietteri ck,Esquire Attorneys for Plaintiff PA I.D. # 55650 200 Sheffield Street, Suite 301 P.O. Box 1024 Mountainside,NJ 07092-0024 (717) 533-3560 FIRST CLASS U.S. MAIL, POSTAGE PREPAID 147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Steven M. Hitz Tanya M. Hitz Defendant. IMPORTANT NOTICE TO: Steven M. Hitz 242 Lowther Street Lemoyne, PA 17043 DATE OF NOTICE: 5/15/2013 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth again you. Unless you act within Ten(10)days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to your lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal Help. NOTICE TO DEFEND&LAWYER REFERRAL SERVICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone(800)990-9108 Phone(800)990-9108 (717)249-3166 (717)249-3166 • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company,as Trustee CIVIL DIVISION for GSAMP 2006-FM1 Plaintiff, NO.: 11-1977-CIVIL VS. Steven M. Hitz Tanya M. Hitz Defendant. AVISO IMPORTANTE TO: Steven M. Hitz 242 Lowther Street Lemoyne, PA 17043 FECHA DEL AVISO:5/15/2013 USTED ESTA EN REBELDIA PORQUE HA FALLADO DE TOMAR LA ACCION REQUERIDA EN ESTE CASO. A MENOS QUE USTED TOME ACCION DENTRO DE LOS PROMOS DIEZ (10) DIAS DE LA FECHA DE ESTE AVISO, SE PUEDE DICTAR UN FALLO EN CONTRA SUYA SIN LLEVARSE A CAB O UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS 1NIPORTANTES. USTED DEBE LLEVAR ESTE DOCUMENTO INh6EDIATA1vfENTE A SU ABOGADO. SI USTED NO TIENTE UN ABOGADO O NO PUEDE PAGAR UNO, VAYA O LLAME LA OFICINA ABAJO INDICADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR AYUDA LEGAL. NOTICE TO DEFEND &LAWYERREFERR.AL SERVICE Cumberland County Bar Association Cumberland County Bar Association 32 S. Bedford Street 32 S. Bedford Street Carlisle, PA 17013 Carlisle, PA 17013 Phone(800)990-9108 Phone(800)990-9108 (717)249-3166 (717)249-3166 ZUCKER,GOLDBERG &ACKERMAN BY: Solt A. D ietteridc Scott A. Dietterick,Esquire Attorneys for Plaintiff PA I.D. # 55650 200 Sheffield Street, Suite 301 P.O. Box 1024 Mountainside,NJ 07092-0024 (717) 533-3560 FIRST CLASS U.S. MAIL, POSTAGE PREPAID 147329 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Deutsche Bank National Trust Company,as : CIVIL DIVISION Trustee for GSAMP 2006-FM1, NO.: 11-1977-CIVIL c a Plaintiff, .n3 w --i VS. =-n . yr ;Da Tanya M. Hitz; Steven M. Hitz n� = 5-n Defendants. =C) CDgym 4 cn D . �� W 7� CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the Amended Complaint in Mortgage Foreclosure was served on the following 10th of April,2013,via First Class U. S. Mail,Postage Pre-paid: Tanya M.Hitz Steven M.Hitz 242 Lowther Street 242 Lowther Street Lemoyne,PA 17043 Lemoyne,PA 17043 ZUC LDBEPA&ACKERMAN, LLC BY: Dated: April 10,2013 Scott A. Dietterick,Esquire; PA I.D.#55650 Kimberly A.Bonner,Esquire; PA I.D.#89705 Ralph M. Salvia,Esquire; PA I.D.#202946 Joel A.Ackerman,Esquire; PA I.D.#202729 Ashleigh L.Levy,Esquire; PA I.D.#306799 Attorneys for Plaintiff XCP-147329/mme 200 Sheffield Street, Suite 101 Mountainside,NJ 07092 (908)233-8500;(908)233-1390 FAX Email: Office @zuckergoldberg.com f uH� SA1E To-pay ree,offal stamps br i OPOSTNLSERVECE� certificate of i The Certtaoete,of Mall nD proWdes evidence that moll hale been Wasentetl to USPS�ior.maYb i This'f*M may be usetl for�domestb and imertmtbnel mall. - z From: IA Zucker,Goldberg&Ackerman,LL �` 1 200 Sheffield Street,Suite 301 Mountainside,NJ 07092 f /� tt Steven M. Hitz {�} 242 Lowther Street CD Lemoyne, PA 17043 N o Ps Form 3817,April 2007 0SN 7536=02-000.9065 O) i aWWSUM POS78LSERNlCtE� CertiflcateOfNhatlin� Topovfee,aff Stiftsor — t TWO Certificate of MaR gWldes evdence Ne<inelfhas been presented to USP DfrineAini This form may De tsetl.far:domeshcaM Int�ne[ano mall. JT 4 From: _ Ol Zucker,Goldberg&Ackerman, LL $� 200 Sheffield Street,Suite 301 Cti • Mountainside, NJ 07092 Tanya M. Hitz 242 Lowther Street Lemoyne, PA 17043 PS Form 3817,April 2007.PSN 7530-02-000.9005 0No en NOW- � co SHERIFF'S OFFICE OF CUMBERLAND COUNTY / V 739 Ronny R Anderson Sheriff Jody S Smith �ttitr of LxxriLrr�414 Chief DeputyS•• Richard,W.Stew,art = .: �.y _._._............ Solicitor OFFICE OF THE SHERIFF ! Deutsche Bank National Trust Company Case Number vs. Tanya M. Hitz(et al.) 2011-1977 I SHERIFF'S RETURN OF SERVICE I: 02123/2011 06:50 PM-Noah Cline, Deputy Sheriff,who being duly sworn according to law,states that on February 23,2011 at 1850 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the �.: within named defendant,to wit:Tanya M. Hitz, by making known unto herself personally, at 242 Lowther Street, Lemoyne,Cumberland County, Pennsylvania 17043 its contents and at the same time handing to her personally the said true and correct copy of the same. OAH CONE, DEPUTY 02/231201.1 06:50 PM-Noah Cline, Deputy Sheriff,who being duly sworn according to law,states that on February 23;2011 at 1850 hours, he served a true copy of the within Complaint in Mortgage Foreclosure,upon the within named defendant, to wit: Steven M. Hitz,by making known unto himself personally, at 242 Lowther Street, Lemoyne, Cumberland County, Pennsylvania 17043 its contents and at the same time handing to him personally the said true and correct copy of the same. NOAH CLINE, DEPUTY 02/24/2011 Ronny R.Anderson, Sheriff,who being duly swom according to law,states that he made a diligent search and inquiry for the within named'defendant to wit: Tanya M. Hitz,.but.was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Tanya M. Hitz, Request for service at 244 Lowther Street, Lemoyne, Pennsylvania 17043 the Y Y defendant was not found. Tanya M. Hitz currently resides at 242 Lowther Street, Lemoyne, Pennsylvania 17043. ! 02/24/2011 Ronny R.Anderson,Sheriff,who being duly swom according to law,states that he made a diligent search and inquiry for the within named defendant to wit: Steven M. Hitz, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Steven M.Hitz. Request for service at 244 Lowther.Street, Lemoyne,Pennsylvania 17043 the defendant was not found. StevemNl: Hitz currently resides at 242 Lowther'Street, Lemoyne, Pennsylvania 17043. SHERIFF COST: $114.80 SO ANSWERS, 5. . December 11,2012 RONNY R ANDERSON, SHERIFF, (c)Countysote Sheriff,Tel.00 t,Inc. I I. M1 '11 IIMTHE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank National Trust Company, as CIVIL DIVISION Trustee for GSAMP 2006 -FM1 vs. Tanya M. Hitz; Steven M. Hitz; Plaintiff, Defendants. NO.: 11- 1977 -CIVIL PRAECIPE TO SATISFY JUDGMENT TO THE PROTHONOTARY: �-i Please mark the judgment filed at the above - captioned term and number satisfied. ---` :- Dated: April 11, 2014 Bv. Respectfully submitted: ZUCKER, GOLDBERG 8,&ACKERMAN, LLC Scott A. Die 'erick, Esquire; PA I.D. #55650 Kimberly A. Bonner, Esquire; PA I.D. #89705 Joel A. Ackerman, Esquire; PA I.D. #202729 Ashleigh L. Marin, Esquire; PA I.D. #306799 Ralph M. Salvia, Esquire; PA I.D. #202946 Jaime R. Ackerman, Esquire; PA I.D. #311032 ,- Jana Fridfinnsdottir, Esquire; PA I.D. #315944 Brian Nicholas, Esquire; PA I.D. #317240 Denise Carlon, Esquire; PA I.D. #317226 Attorneys for Plaintiff XCP- 147329/dcr 200 Sheffield Street, Suite 101 Mountainside, NJ 07092 (908) 233 -8500; (908) 233 -1390 FAX Email: Office @zuckergoldberg.com 6)44144 &)/x/ ai74. &1663)1.49 p_,433(-/US Zucker, Goldberg & Ackerman, LLC XCP - 147329