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HomeMy WebLinkAbout12-1700File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney EN 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff r it'd s s?W s ': ? t =4 Ali 16 J, Y D COUNT' Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY )002LYI TERM 2012 NO. a41a- 1`7 DU C(?L 1 CIVIL ACTION MORTAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY S CLm f * 10 3.7S??1 td., OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las 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 or 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 ABOGADO IMMEDIATAMENTE. S1 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. Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney ID# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 COURT OF COMMON PLEAS CUMBERLAND COUNTY 4Qr TERM 2012 NO. Plaintiff, V. Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 CIVIL ACTION MORTAGE FORECLOSURE Defendants. COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 (the "Plaintiff'), whose address is c/o American Home Mortgage Servicing, Inc., 4875 Belfort Road, Suite 130, Jacksonville, FL 32256. 2. Defendant, Carolyn D Thompson (hereinafter referred to as "Defendant") is an adult individual and is the real owner of the property hereinafter described. Defendant, Carolyn D Thompson, resides at 140 Partridge Circle., Carlisle, PA 17013 with a mailing address at 140 Partridge Circle, Carlisle, PA 17013. 4. Title to real property located at 140 Partridge, Circle, Carlise, Pennsylvania 17013 ("Mortgaged Premises") was vested to Douglas B. Thompson and Carolyn D. Thompson,his wife, (herein referred to as "Borrowers") by Deed dated April 27, 2001 and recorded in the Cumberland County Recorder of Deeds on April 27, 2007 in Book 243, Page 608. On or about May 27, 2011, Borrower Douglas B. Thompson died intestate, whereby title to the Mortgaged Premises vested to Carolyn D. Thompson, solely. 5. On July 23, 2007 in consideration of a loan in the principal amount of $146,200.00, Borrower, Douglas B. Thompson, executed and delivered to H & R Block Mortgage Corporation an adjustable rate note (the "Note") with an initial interest rate at 10.90% per annum, and initial monthly payments of $1,345.52 commencing on September 1, 2007 continuing each month until the maturity date of August 1, 2037. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit "A". 6. To secure the obligations under the Note, Borrowers, Douglas B. Thompson and Carolyn D Thompson, executed and delivered to H & R Block Mortgage Corporation, a mortgage (the "Mortgage") dated July 23, 2007 and recorded on August 9, 2007 in the Recorder of Deeds in and for the County of Cumberland as Instrument # 200731221. A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit "B". 7. An Assignment of Mortgage from H & R Block Mortgage Corporation, a Massachusetts Corporation to Option One Mortgage Corporation was recorded April 11, 2008 in the Cumberland County Recorder of Deeds as Instrument No.: 200811442. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 8. An Assignment of Mortgage from Sand Canyon Corporation f/k/a Option One Mortgage Corporation to Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust w i 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5, was recorded on January 26, 2012 in the Cumberland County Recorder of Deeds Instrument # 201202547. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "D". 9. On April 1, 2010 Defendant Douglas B. Thompson entered into a loan modification with American Home Mortgage Servicing, Inc., loan servicer for Plaintiff, wherein the terms of the subject loan were modified. a. Pursuant to the loan modification agreement, the unpaid principle balance was $156,949.45 as of April 1, 2010. The interest on the loan was modified at a yearly rate of 6.97% beginning April 1, 2010, with monthly payments of principal and interest in the amount of $1,072.02 beginning on May 1, 2010 and continuing thereafter until principal and interest are paid in full. If on August 1, 2037, the Maturity Date, Borrower still owes amounts under the Note and Security Instrument, as amended by this agreement, Borrower will pay these amounts in full on the Maturity Date. A true and correct copy of the Loan Modification Agreement is attached hereto and made part hereof as Exhibit "E". 10. The Mortgage secures the following real property (the "Mortgaged Premises"): 140 Partridge Circle, Carlisle, PA 17013. A copy of the legal description of the Mortgaged Premises is attached hereto and made a part hereof as Exhibit "I"'. 11. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due June 1, 2011, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 12. The following amounts are due on the Mortgage and Note: Balance of Principal $150,959.88 Accrued but Unpaid Interest from 5/1/2011-1/5/2012 6.97 % $7,158.78 Accumulated Late Charges $514.56 Escrow Advance $344.65 Recoverable Balance $29.20 Title Search Fees $250.00 Reasonable Attorney's Fees $1,300.00 TOTAL as of January 5, 2012 $160,557.07 Plus, the following amounts accrued after January 5, 2012: Interest at the current Rate of 6.97% per annum ($28.83 per diem); late charges of 6.0% of the overdue payment of principal and interest; any amounts expended for future recoverable advances; corporate advances; taxes and insurance along with additional costs and attorney fees incurred in this foreclosure action. 13. During the course of this action, the plaintiff may be obligated to make advances for the payment of taxes, assessments, insurance premiums and necessary expenses to preserve the security, and such sums advanced under the terms of the Note and Mortgage, together with interest, will be added to the amount due on the mortgage debt and secured by the plaintiff's Mortgage. 14. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, Act 91 of 1983 has been sent to the Defendants, on August 10, 2011, via certified and regular mail, in accordance with the requirements of the Act, however, pursuant to the supplemental notice published in the Pennsylvania Bulletin, (41 Pa.B. 3943). Act 91 Notice is no longer required nor applicable to any mortgage foreclosure action filed August 27, 2011 or later. A true and correct copy of such notice is attached hereto and made a part hereof as Exhibit «G» WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 11, namely, $160,557.07 plus the following amounts accruing after January 5, 2012, to the date of judgment: (a) interest of $28.83 per diem; (b) late charges of 6.0% on any overdue payment of principal and interest per month; (c) plus interest at the legal rate allowed on judgments after the date of judgment; (d) additional attorney's fees (if any) hereafter incurred; (e) costs of suit; and (f) any amounts expended for future recoverable advances, corporate advances, taxes and insurance. PARKER McCAY P.A. Dated:I ?3I By: Katherine E. Knowlton, Esquire Attorney for Plaintiff VERIFICATION 1, Daniel Staten hereby certify that I am a Vice President of American Home Mortgage Servicing, Inc. attorney-in-fact for Plaintiff, Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5. As a Vice Presi'or American Home Mortgage Servicing, Inc. attorney-in-fact for Plaintiff, I am authorized to make this verification on behalf of Plaintiff. I verify that the facts and statements set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief, based on review of business records during the normal course of business. This verification is made subject to the penalties of 18 Pa. C.S.§ 4904, relating to unsworn falsification to authorities. Name: Daniel Staten Title: Vice President. Docket No. PMC File No. 14871-11-04655 Defendant Name: Thompson, Douglas and Carolyn Property: 140 Partridge Circle, Carlisle, PA 17013 EXHIBIT A a 4 Loan Number: 411005738 Servicing Number. 002330585-7 Date: 07/23/07 ADJUSTABLE RATE NOTE (LdBOR Index - Rate Caps) TEUS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID UMMEST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TD AL YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR WELL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WIIIJNG TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY. YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY RCIEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE 11MITS THE AMOUNT MY UV fERESt' RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. 1140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 NOTEiNoTE [Property Addrael 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $146,200.00 (this amount is called "principal*), plus interest, to the order of the Lender. The lender is HSR Block Mortgage Corporation, a Massachusetts Corporation I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is tailed the *Note Holder." 2. INTEREST interest will be charged on unpaid principal until the full amount of principal has been paid. Interest will be calculated on the basis of a 12-month year and a 30-day month. I will pay interest at a yearly rate of 10.9oot . The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS **ELALLOON NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF** (A) Time and Place of Payments I will pay principal and interest by making payments every mouth. I will make my monthly payments on the first day of each month beginning on September 01 2007 I will make these payments every month, in addition to a final Balloon Payment payable at Maturity as referenced in the attached Balloon Note Addendum, until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on, August 01 2037 I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at Option One Mortgage Corporation P.O. SOX 92103 LOS ANGELES, CA 90009-2103 or at a different place if required by the Note Holder. (B) Amami of My Initial Monthly Paymems Each of my initial monthly payments will be in the amount of U.S. $1,345.S2 This amount may change. (C) Monthly Pay-cat Chalaves Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. (D) AppUcauon of Payments Payments received by the Note Holder will be applied in the following order: (i) prepayment charges due under this Note; (ii) amounts payable under paragraph 2 of the Security Instrument (defined below); (iii) interest due under this Note; (iv) principal due tinder this Note; and (v) late charges due under this Note. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) CL-ge Daft 7be interest rate I will pay may change on the fast day of August 01 2012 and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in the Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. P6?MnVANIA ADIUSPABIZ HATE RM LOON NOT&LXBOR OWE[ - Sack F=M7y Page I of 3 CERTIFIED TO BE A TRUE AND PANTmt.wpt03.09ml CORRECT COPY OF THE ORIGINAL i a Loan Number: 411005738 Servicing Number; 002330585-7 Date; 07/23/07 (C) Calculation of (banger * *BALLOON NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF* Before each Change Date, the Note Holder will calculate my new interest rate by adding six percentage point(s) ( 6.000V ) to the Current Index. The Note Holder will then round the result of this addition to the next higher ono-eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Dare. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full 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. (D) limits on IWAM Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 12.400% or less than 6,000% . Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than one and a half percentage points (1.591) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than 16.9oot or less than 6.00091 (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or trail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at anytime before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I snake a partial Prepayment, there will be no changes in the due date or in the amount of my mthly payment unless the Note Holder agrees in writing to those changes. *-PREPAYMENT CHARGE NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF** 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to tie. The Note Holder may choose to make this refund by reducing the principal I owe tinder this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payumits If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 6 . o o o t of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. If I am in default, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all interest that I owe on that amount, together with any other charges that I owe under this Note or the Security Instrument, except as otherwise requited by applicable law. (C) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (D) Payment of Note Holder's Costs and Expenars If the Note Holder has required the to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law, whether or not a lawsuit is filed. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. Page 2 of 3 PANT051.wp (03-08-07) a a Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE if more than one person signs this Note, each person is fully and personally obligated to keep all of the promises [Wade in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 11. SECURED NOTE In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Inwrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submittal to Lender information required by Lender to evaluate the intended transferee as if a new loan were being trade to the u=feree; 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 loan assumption. Lender may also 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 Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases 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 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails 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. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. D0#AS a. THOMPSON -Borrower -Borrower (Sat) (Sal) -Boer -borrower (SCSI) (sea)) -Borrower -Borrower [Sip Original Only] Page 3 of 3 PANTOSI.wp (03-0"7) Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 BALLOON NOTE ADDENDUM This is a BALLOON IRAN. The term of the loan is 4 0 / 3 o years. This means that while your monthly payment amount is amortized in accordance with a 40 year loan term, the loan is payable in full in THIRTY (30) years from the date the loan is made. As a result, you will be required to repay the entire remaining principal balance, together with accrued interest, late charges, if any, and all advancements made by the lender under the terms of this loan in THIRTY (30) years from the date on which the loan is made. i The lender has no obligation to refinance this loan at the end of its term. Therefore, you may be required to repay the loan out of other assets you may own, or you may have to fund another lender willing to refinance the loan. Assuming this Lender or another lender refinances this loan at maturity, you will probably be charged interest at market rates prevailing atthat time which may be considerably higher or lower than the interest rate paid on this loan. You may also have to pay some or all of the closing costs normally associated with the new mortgage loan even if you obtain refinancing from the same lender. Borrower/ DOUGLAS B. TROMB ON Borrower Borrower Borrower Borrower Borrower MULTISTATE BALLOON NOTE ADDENDUM Page t of n USD5641.wp (01-124)7) • i Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 PREPAYMENT CHARGE NOTE ADDENDUM For value received, the undersigned (the "Borrower") agree(s) that the following provisions shall be incorporated into and shall be deemed to amend and supplement the Note made by the Borrower in favor of RJR Block Mortgage Corporation, a Massachusetts Corporation (the "Lender*), and dated as of even date herewith (the "Note"). To the extent that the provisions of this Prepayment Charge Note Addendum (the "Addendum") are inconsistent with the provisions of the Note, the provisions of this Addendum shall prevail over and shall supersede any such inconsistent provision on the Note Section 5 of the Note is amended to read in its entirety as follows: 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A prepayment of all of the unpaid principal is known as a "Pull Prepayment." A prepayment of only part of the unpaid principal is known as a'Partial Prepayment.' When I make a Full Prepayment or Partial Prepayment, I will tell the Note Holder in writing that I am doing so. If I make a Partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. If within 36 Months from the dame of execution of the Security Instrument I make a Full Prepayment or, in certain cases a Partial Prepayment, I will at the same time pay to the Note Holder a prepayment charge. The prepayment charge will be equal to six (6) mouths' advance. iuterest on the amount of any prepayment that, when added to all older amounts prepaid during the twelve (12) month period immediately preceding the date of the prepayment, exceeds twenty percent (20%) of the oriiginal principal amount of this Note. In no event will such a charge be made unless it is authorized by state or federal law. -ccC m ? /] is er DOUGr.As B. T MPSON atE Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date MULTISTATE PREPAYMENT CHARGE NOTE ADDENDUM - ADJUSTABLE RATE Page 1 of I USP1021.wp (054447) Loan Number: 411005738 Oervicing Number: 002330585-7 ALLONGE TO NOTE (INVESTOR) Date: 07/23/07 This allonge makes reference to the following Note: Borrowers: DOUGLAS B. THOMPSON Loan #: 411005738 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 j LoanAmount: $146,200.00 Note Date: 07/23/07 i Therefore, in reference to the captioned note, the following applies: Pay to the order of: Without Recourse Option One Mortgage Corporation A California Corporation BSI: Fa Groh Assistant Secretary Page 1 of 1 USD3050,wp(03.29-07) Loan Number: 411005738 atervicing Number: 002330585-7 Date: 07/23/07 ALLONGE TO NOTE (HRBMC) This allonge makes reference to the following Note: Borrowers: DOUGLAS B. THOMPSON Loan #: 411005738 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 Loan Amount: $146,200.00 Note Date: 07/23/07 Therefore, in reference to the captioned note, the following applies: Pay to the order of: B OPTION ONE MORTGAGE CORPORATION, A CALIFORNIA CORPORATION Without Recourse Page 1 of 1 USH3151.wp (03-29-07) EXHIBIT B PREPARED BY: W'A • OPTION ONE MORTGAGE CORP. P.O. BOX 57076 IRVINE, CA 92619-7076 PILOPERTY ADDRESS: 1iO PARTRID= CIR, ChILISLE, PA 17013-8701 N411005738 ber: 002330505 -7 P 1$-1252-0038-00 00000-29 Ot?TI??P. P.O. BOX 57096 IRVINE, CA 92619-7096 (790) 790-3600 ATTN: RECORDS MANAGEMENT f t PWAbov111aatamer2000ftDWLL MORTGAGE THIS MORTGAGE ("Security lumumwd") is given on July 23, 2007 The mortgagor is *UGLAS B. THOMPSON AND CAROLYN D. THOKPSON, HUSBAND AND WI1°E {'f Borrower"). Tme 5enalty b=ummt is given to HER Block Mortgage Corporation, a Massachusetta corporation is 01SO Ud and existing under the laws of KABSACHUSETPS and whose is ,% drese 3 Burlington Woods, 2nd Floor, Burlington, KA 01803 (9 -ender'). owes Leader dw ptirldpal sum of ONE HUNDRED FORTY SIX THOUSAND TWO HUNDRED . AND NO/100T$e DOUM ((J,S. $146,200,00 ). T is debt is evidenced by Borrower's note dated ttae same dare as this SecOtity btattummi ("Note"), wbich provides r mOnrhiy Payments, with the N11 debt. if not paid earlier, dw and payable on August 01, 2037 T is Seemity Werumeat seaua to Leader: (a) the repayment of the debt evidenced by the Note, with interest, and r4wwals. adenslow and modiRetiom of the Note; (b) the payment of all other sums, with interest, advalwed es T h 7 to protect the security of this Security Imtnmteat: and (a) the pe fomtsme of Borrower's e oaon and egmemeats under this SomM laststtment and the Note. For this purpose, Borrower does herby rL e,ad convey to Linder the following described property located iu erland County, Peowlvaltla: EQAL DESCRIPTION ATTACHED 1MRBTO AND MADE A PART THEREOF When recorded return to: First AmOrlean Title Insurance Co., Lenders Advarrtage 1100 Superior Avenue. Suite 200 Cleveland, Ohio 44114 ATTN: NATIONAL RECORDINGS ' VA'IIA • Shgk FwWy l of 10 PADt001Lwp(03-24-05) r' Loan Number 411005738 Servicing Number: 002330555-7 Date: 07/23/07 %*dh has toe addiosa of 146 PkwmiDCB ciR, CARLisL6 Chrl +Wlvartia. 17013-8701 ("Property Address"); lLIP COW TOGETHER WITH all the improveffen now or bereaft erected as the property, and all exsenraota, arm and Axnnes now or heteeft a part of the property. All replacements and adeiitions shall also be by this Security Iuatrument. All of the forgoing is etftod to in Phis Seadty Instrument as the BORROWER COVENANTS that Borrower is Jawfn11y seised of the estate herby conveyed and bas the !tt to mortgage, grant and convey the Ptopetty. and that the property is cmemcemlbered, eacept for aecambrawas record. Bommm warms and will defend generally the title to the Property against all claims and deanauda, *W to say euntmbronoes of record. COVENANTS. Burrower and Leader covenant end agree as follows: L Paymnt of Pli #d and Imemt; PteI Imesti and lase Cbaram Borrowa d a promptly pay whm e the principal of and interest on the debt evidenced by the Note and any prepayment ad late charges due under Note. 2. Ponds for Toics =dl mort one. Subject to applicable law or to a written waiver by Lender, Brnmwer all pay to Iatdet on den day nwntltly payments arc due under the Note, until the Note is paid in full. a sum Amd1') for. (a) yearly taxes sad assessments which may attain pciorky over this Secrairy Pastrtmemt as a Jim the Property; (b) yearly lease bold paymente or pound yenta on the Property, Vany; (c) yearly harard or property Mance pe m arms; (d) yearly flood inarranee premiums, i£ arty; (e) yeedy mortgage murance ptten uma, if any. d (f) any sums payable by Borrower to Lander, its aooordaaoe with the provisions of paragraph 9, in lien of the ymem of mortgage bramoe premiums. 7heae items are called "Escrow hams.' Linda may, at arty tiara. oollect d hold Pods In an amount not to exceed die mnd»mm sma nt a ladder for a federally alaaed mortgage ban may price forBo rowees escrow aocouat under the federal Rat Estade Settlameet Procedures Act of 1974 as amended an time to time, 12 U.S.C. Section 24601 of ssq. ("RESPA"), cutlets another law that applies to x116 Funds eat; esser amount If so, Pander may, at say time, collect and hold Prods in am amount not to exceed tee laser O"t. Leader may estimate the amount of Funds due on the basis of carnet data and reasonable extimates of pe nditures of future R=ow Items or otherwise in accordance witb appliable law. The Funds shall be head f0 an imhtuticawhose deposits are insured by a federal agency. mseumeuulky, snarly (including Lender. if Lender is such an Institution) or in any Federal Home Loan Bank. Landes shall apply : Punds to pay the Paarow Items. Linder nay not Gbarge Borrower for holding and applying the Funds, annually alyring the escrow account, or verifying the Escrow Mans, unless Larder pays Borrower Intercat on the Funds d applicable law Wtim Leads to 211110 such a cl ttga. However, Lender may require Borrower to pay a e-time d wp for an independent real estate tax repotting service used by Leader in connection with this Ian, less applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be id, ]amder 311111 rot be required to pay Borrower any inteaeat or Mninga on the Panda. Borrower and Leader W agree in writing. however, that interest shall be paid on the Funds. Leader 40411 give to Borrower, wirhout age, an aaanal accoundug of the Fwads, showing credits ad debits to the Funds and the purpose for which emb bit to the Pmds was made. The ponds an pledgers as additional security for 811 Smus secured by this Security PA010012. W, (00.24.05) Lgaa Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 If the Funds held by Lender exceed the an== peasaitted to be bold by applicable law, Leader shall acpaum to Borrower for the excess Runic in accordance with the requirements. of applicable law. If die amount of thk Pence held by IAnda at any time is sot su8iciant to pay the Escrow hares when doe. Letada may so notify t:wZ.1o writing, and, in such ease Borrower shall pay to Lthe wow owemary to mae up the Borrower shall make np the deficiency in no mate than twelve woothly payments, at Lead'a sole on. Upon payer 14 At1I of all sums secured by this Security hummtant, Leader shall prompdy reload to a any Pods held by Lender. If, uader.parsg<aph 21, reader " sequire or sell the property, I fader. or to the aoquiddon or We of the Property, shall apply any Funds held by Lender at the time of acquisition or e as a credit spiest the sigma seared by this Security Instrument. 3. Appiionhn of lapeenota Unless applicable law provides otherwise, all payments received by Lender paragraphs 1 and 2 shall be applied: first, to any prepayment charges due sunder the Now; second, to senoras p e render paragraph 2; third. to interest due; fourth, to principal due; and last, to my late charges due under Noto. 4. sees; Lima. Borrower shall pay all taxce, ssaessmmM charges. Aces and impositions attributable t the Property which may attain priority ova this Security Instrument, and leudwAd psymew or ground mats, if . Borrower "pay there obligations in the treat provided is paragraph 2, or if not paid in that mama, maws shall pay them on time directly to the person owed payment. Borrower ehdG promptly Ant deh to Lender al. solos of amounts to be paid under this paagrapb. If Borrower makes these payments directly, Bwxu R r *0 P aptly furnish to Lender receipts evidencing the payments. Borrower shall prosaptly discharge any Gen which has priority over this Security Instrument unless cower: (a) av F 1- in wddng to the payment of the obligation secured by tie lien in a manoer suArable to L aft; (b) oontaw in good Asith the lien by, or defends spimt enfomatow of the lien in, legal prooeedmgs which the I.aoda'a opinion operate to prevent the enforem nt of the lien, or (c) serum from The holder of the lien agmement satisfactory to Lender subordinating the liaa to"Secorky Instrument. If Lender dtxextnines that any pi rt of the Property Is stibjeax to alien which may attain priorhy over rids Security Instrument, Lends may give mower a aodoe idendlyhrg the lien. Borrower shall satisfy the Gm or Was one or more of the actions set forth e within 10 days of the giving of notioc. 5. Heeded or Psopetty hamamoa. Borrower &W beep the impmveanents now erdisting or hereafter erected o the Property insured spimt loss by fine. hazards included within the term 'eateaded coverage and my other b , iaclading floods or flooding. for which Linder requims Insurance. 'this insurance sbalt be maintained in th -, mounts and for the periods that Lender requires. The inahraaee atria provi ft the kmrnm shat be clleeen b Bormwa subjod to Leader's approval which shag not be nmressonably withheld. If Borrower faits to maintain ocyarap described above, Grader may, at Landes option, obtain coverage to protect Leader's rights in the in socondenoe with paragraph 7. All insunoce policies and renewals shat be acceptable to Lander and shall include a standard mortgage Lender shall have the right to bold the policies and renewals. If Leader requites. Borrower shall promptly e to Lender all rweipu of paid prado s and renewal notices. In the event of low, Borrower shall give prompt n(tice to the insurance carrier and I.eoder. Lander may make proof of loss if not male promptly by Borrower. Ualesa Loader and Borrower otherwise agree in writing. or applicable Law otherwise requires, insurance p XOWS shall be applied first to reimburse Lender for Costs. and expenses incurred is oonowdon with obtaining any 0 :b insurance proceeds, rend them, at Leader's option, in arch order and proportion as Leader may determine in i sole and ab"M discretion, and regardless of any impairment of seattiry or lack thereof: (i) to the stow secured b this Security Instrument, whether or not then due, and to such cempoaeuts thereof as Lender may deutavne w i sole and absolute discretion; and/or (ii) to Borrower to pay the costs and expenses of necessary repairs or 3 of 10 PAD10013.wp(03.24.os) Joan Number: 411005738 Servicing Number. 002330585-7 Date: 07/23/07 rq%orstiou of the Property to a condition satisfactory to Leader. If Borrower abandons the Property, or does not wrest within 30 days It notice fi m homier that the ineursoce Carrier has offered to settle a claim, Leader may edlect the iawraaoe proceeds. Leader may, in its sole and absolute dWeretion, end regardless of any impairment o security or lady dteteof, use the proceeds to repair or more the Property or to pay the sums s cared by this ty baramtrst, whether or rot than due. Ihe 30-day period will begin when the notice Is given. Unless Leader and Borrowa otherwise agree in writing. any application of premeds to principal shall not cid-md of postpone the due dare of the mo=Wy payments referred to in psrogcapbs 1 and 2 or change the anwumt 11Pqoe ayments. If under paragraph 21 the Property Ice acquired by I wrier, Borrower's right to any insurance and proceeds muldag ftom derange to the Property prior to the acquisition shall pan to Lowder to the f tit attx secured by this Security Instrument immediately prior to the acquisition. If Borrower obtains earthquake insurance, any other hazard insurance, or any other insurance on the y and such insurance is trot Voe feally required by Lender, then such insutatrcee shall (i) name Lender as tbommAes, and (ii) be subjetx to the provlaions of this paragraph 5. 6.OWgP@ oy, Pn, 1, H, molumsoos acrd Paoeecdca of the Ptoporry Bonowsees Law Applicatift ds. Borrower adenowledges that the Linder does not desire to oak a loan to Borrower sensed by this rtboSwjrity the trims ooutaiaod ins the Note unless the property is to be occupied by Borrower as Borrowers omdary residence. I.eoder makes nooowmz resideuee locos of difflaem terms. Borrower promises and that Bonower hands to occupy thin property as Borrowst s printery/noonday residence and that ill so oocW this property as its sole primary/secondary reddence within aiuy (60) days after the date instrument. 7 Borrower breaches this promise to occupy the property as Borrower's oodary raddence, then Lendmay invoke any of the following remsdics, in addition to the remedies the Security Imt?ect; (1) Declare all same seared by the Security Instrument due and payable and e Security Ieusti m eaL (2) Demmer the term of the lam and a4ust the monthly paymeou under the Note , increase the intemu rate and adjust the monthly payments under the Note accordingly or (3) require cipal bWxu* be reduced to a percentage of either the original purchase price or the appraised value then d on non-owner oc upled loans. Borrower shall not destroy, damage or Impair the property, allow the Property to deteriorate, or commit w on the PropeM. Borrower shall be in de&ult If say forfeiture action or proose ft, whether civil or crimhral, is begun that in Lander's good faith judgment could result in forfeiture of the Property or otherwise materially in pok the lien created by thin Security Instrument or Lender's searrlty interest. Borrower may cure such a default reinstate, as provided In paragraph 1g, by causing the action or proceeding to be dismissed with a ruling that, in bender's good faith detemohndory precludes forfeiture: of the Borrower's interest in the Property or other in and impairment of the Ilse eroated by this Security Instrument or Leader's security interest. Borrower shall also in default if Borrower, during the loon application process, gave mrterially seise of inaccarzo information or emenfs to I ender (or failed to provide Leader with my material information) in comaecdm with the lout by the Now, including, but not limited to, teprewmadoes concerning Borrower's occupancy of tie as a principal residence. U this $sox* Instrument is out a leasehold, Borrowa shall comply with all the p slow of die lease. If Borrower acgWns fete dde to the property, the hnsehoid and the fee title shell not merge as Launder agrees to the imaga in wrWng. Borrower shall, at Borrower's own cq mere, appear in and defend any action or proceeding purporting to act the Property or any portion thereof or Borrower's tide thereto, the validity or priority of the lien mewed by Security Insp>inem, or the rights or powers of Leader with respect to this Security Instnaneut or the property. A causes of action of Borrower, whether soared before or after the date of this Sanctity Insuument, for damage injury to the property or any pat thereof, or in connection with any asnsaedon financed in whole or in part by the proceeds of the Note or any other note secured by this Security Instrument, by Lender, or in connection with o aNecd AS the property or any part thereof. including causes of action arising in tort or contract. and causes of i f *1 !0 PAD10014.wp (03A2t,(5) Lon number- 411005738 Servicing Number: 002330585-7 Date: 07/23/07 " n for fraud or oomoealmeat of a material fact, are, at Lutist's option, assigned to I coder, and the prooeeds f shall be paid dhwdy to Lander who, after deducting then h= all its expenses, Including reasonable athrosys' ties, may apply each proceeds to the arms secured by tbis Security hataataeut or to any defidenq under 9Security Instrument or may mime sy monies so received by it or any part thereof. as Lender may elax. may, at its option, appear is and prosecute is its own same any action or proceeding to eafomc say such of salon and may make any ootrtproiee'so or settlement thsseef. Borrower agrees to necote such further and any o&u instruments so from time to time may be necessary to effectuate the foregoing provisions as Leader shall request. 7. ProtesttloaofLa:adas'sRightsiatbeePnopeny. If Borrower fails tope rfotm the covenants and.agreeimauts co in this ec Surity fasnnmrat, or there Is a legal proceeding that may sigadifca dy affect Leader's rights in Property (such as a proceeding in bautmptcy, probate, for comdemoation or fodeiture or to enforce laws or retuladoes), then Linder may do and pay for whatever is necessary to protect the value of the Property and Lapdar's rights in the Property. Lender's actions may include paying any sums seethed by a ties which has priority ov this Security laattument, appearing in court, paying reasonable anomeys' fees and causing on the Property to a repairs. Although i ender may Ulm action under this paragraph 7, Leader don not have to do so. Any amounts disbersedby I aldlx tender this paragraph 7 sball become additional debt of Borrowersexvted 69 this Security forumoeot. Unless Borrower and Lender agree to orb= team of payment, these amounts shall tear from the data of disbursement at the Note rate in effect few time to tiros ad shalt be payable, with upon notice drum Deader to Borrower requesting payment. 8. Mom liemmoe. UT eader regaired mortgage ineemum as a coodidon'of making the loan seated b this Security Insitatoaeas, Borrower shall pay the premiums required to msistain the mortgage insurance in effect. U, for any reason, the mortgage insurance coverage required by I antes lapsn or cease to be in effect, Borrower sh al pay the perms regtdted to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially oTAvalent to the cost to Borrower of the mortgage Inmrs om ptevioa ly m effect. from an alternate mortgage Insurer approved by Linder. If substamtisUUy equivalent mortgage insurance coverage is not available, Borrower shall patty to Lastder each meath a am equal to onetwelfth of the yearly mortgage wpn= pmatum being paid by Boaowar when the insurance coverage lapsed or cased to be to sitar. I.mda wk1l accept, use sad retain these payments as a loss reserve in tints of mortgage insurance. Lase reserve payments mty no longer be requited: at the option of Leader, if mortgage insursnce coverage (in the amoom and for the pe* that Loader requires) provided by an insurer approved by Deader again bexaal11 available and is obtained. Bonwer shall pay the prmoI required to maintain mortgage mmranee in affect, or to provide a lose reserve, vniil the requirement for mortgage iarutace ends in accordance with any written agreement between Borrower and or applicable law. 4. Inspectiion Ieader or its agent may matte reasonable entries upon and inspections of the Property. shall give Borrower notice at the time of or prior to an inspection gxcifying reasonable cause for the on. 10. Coade mation 1U pmcteds of say sward or claim for damages, that or eooaogrlaatial, is Coane4tioa w*h any coode mniAen ot other taking of any part of the Property, or for conveyance in lieu of condemnation, are hAeby assigned and hall be paid to Leader. Lands may apply, use or Man the condemnation proceeds In the manner as provided in paragraph 3 hereof with respect to insurance proceeds. If the Property Is abandoned by Borrower, or if. aRet notice by Lmdet to Borrower that the oondemaor o to mike an award or settle a claim for dsmmrgea, Borrower fails to respond w Ltmda within 30 darya after tlu date the notice is given. I epdmr is auhorteed to collect and only the prooeods, at its option. dtha to restoration orll repair of the Property or to the soma secured by this Security Instrument, wbdba or not then due. Untaa Len and Borrowerotherwise agree in writing, any application of pWoeeds to principal ahall rot e xc end or postpone the duo date of the monthly paympus reRrted to in paragraphs I and 2 or orange the amount oflauch payments. titles 5 of 10 PAD10015mpft-24-0S) Ldm Number: 411005738 Servicing Number: 002330SSS-7 D94: 01/23/07 11. Bommm Not Released; Fosbeasom By Lender Not a Walter. Tadendoe of the time for Payment or ta"fleaaton of amortization of the su= emitted by this Security Insorumaat grand by Irmder to any aaoceasor miioteteat of $orrower shall not operate to release the liability of the osijiul Bummer of Borrower's successors m;inaaest Lender shall sot be requited to coz®wcs procce dings against say successor in fatstest or refuse to time for payment or otherwin modify smotdesllonof do stmas accrued by this Seem* Ioaaument by now o .any dnsatamd made by the original Borrower or Borrower's successors in Interest. Any fotbeannce by Lender inlexercising any right or remedy arch not be a waiver of or preclude de exercise of any right or remedy. 12. Samoan ad Aaalgta Do=* Joint and Saveeal LlabTAy-. Co4pses. The eovenaws and agreenvats o this Security tnammmt shag brad and bate t the acaasore and aasigas of I cede and Borrower, subject to the aioas of paagraph 17. Bonower's covenants ad agreements deep be joint and several. Any Borrower who signs, this Security btshtIDOmt but does not exam te the Note: (a) is co-signing We Security Insrumew only to in rtgage, grant and convey that Borrower's interest in the Property wider the teems of this Security Instrument; (b is not personally obligated to pay the soma secured by this Security lastrwnent; and (c) agrees that L ewler and other Borrower may agree to atend, modify, forbetr or make any accommodations with regard to the tens o this Security Innocent or the Now without that Sorrower'a consent. 13. Ian Cka VL If the loan secured by this Security Inat:umaxit is subject to a law which so toW mm to eh+ages, and that law is finally interpreted so that the interest or other loan chat" collected or to be collected in carneaxion with the loan exceed the permitted limits. then: (a) arty such loan Charge shall be reduced by the t necessary to redsoe the charge to the permitted limit; ad (b) my acme drady collected from Borrower w ' ameaded paroftte d limits will be refhwded to Borrower. Lander may dmu to make this refimd by reducing th principal owed wider the Note or by mating a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without say prepayment d"a wider the Noce. 14. Nodoea. Any notice to Borrower provided for in this Security Iaattumrdrt shall be given by delivering it by mailing it by fins clan mall unless applicable law regdm use of smwtba method. 'The notice shall be 41 tcWd to the Property Address or aay other address Borrower designates by notice to Lender. Any notice to der shall be Siva by first class mail to Lender's address stated heroin or any other address I.mda dedpates entice to Bomma. Any notice provided for in this Security Insumnat shell be dedmocd to have been given to mower or Leader when given as provided in this paragraph. IS. Govemiog law; Smselil ty. Tab Security Instrument shall be governed by federal law and the law of, the jurisdiction in which the Property is located. In the event that gay provision or clause of this Security USecurity or the Note conflicts with applicable law, such conflict shall wit affect other pmvisk= of this Security or the Note which can be givea effect without than conflicting provision. To this cad the provisions of s Instrument and the Note are declared to be severable. 16. Borwower's Copy. Borrower aball be given one conformed copy of the Note and of this Security 17. Tnwfer of than Pmpaty or a Beneficial Interest In Bosrowet. If all or any part of the Property or any in?m io it is sold or transferred (or if a becofccial interest in Borrower Is sold or transferred, and Borrower is not a halral person) without Leach's prior wtittest consent, Leader may, at its option, require immediate payment in fi?l of all sums secured by this Security Instrument However. this option shall not be exactsed by Lander if ice is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of soceteratlon. The notice shall provide a Iaiod of not less than 30 days froze the due the notice is delivered or mailed within which Borrower must pay all swo secured by this SecurRy Instrument. If Borrower fails to pay these sums prior to the expiration of this peiriod, i.eader may revoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. Page 6 of 10 PAD10o16.wpM-24 5) Lb= Number: 411005738 Servicing Number 002330585-7 Date: 07/23/07 18. Bono er's RW ID Bmanae. If Borrower meets certain conditions, Borrower rill have the right to have enforceement of this Sonsity IwWas oeot discoomrasd at my time prior to the earlier of (a) 5 days (or such other period a applicable law may specify for rdostatameet) baton sale of the property pwwant to my power of sale contained is this Security Instrument, or (b) entry of a judgment sofbtr g this Security Instrument. Those cation are that Borrower: (a) pays I mdse all sum wbkh rhea would be due under t is Seaury Insutrment and the Note as if no aoodaratloa bad o=mod; (b) aces say datfmdt of any otlta oveorou or agreements; (c) pays all expecam roamed in saftemg ibis Security hwmur rat, including, but not limited to, taaaonabie aaormeys' has; and (d) talus setdt action as Leader mitt reasonably require to man tint the lion of this Security Inatrtmoeau, Lander's rights, in the Property and Borrower's obligation to pay tba arena &soared by this Seaufty bmttnmant shall a uwbanged. Upon reinsta meat by Borrower, ibis Sexauiry Insttumew and the obligations secured booby 11 rancho fully d%cdvo as if no awderatton had oaaurced. However, this right to reinstate sball test apply is tbt rase of acceleration under paaguph 17. 19. Sale of Now, Citrons of Loan Services. Tie Note or a partial interest in the Now (together with this S"trity hAMDeut) may be sold ON or toss times wlWout prior notice to Bonower. A sale may result in a change W the entry (lmown as the "Loan Savioce) that callow moaWly pgnmx data under tie Note and Wis Severity Irozuwant. There also may be ems or mote rhaagas of the Lose Soviosr unnisted to a sets of tie Note. If Were isia cb=p of the Loan Sesvicer, Borrower will be given written colic of the charge in accordance with p h 14 above and spplicable law. The notloe will state the are and address of the new Lou Service and the address to which payments should be made. 7be active will also contain any other mfoamatim required by applicable law. The bolder of the Note rod Win Security Wwwroot shall be domed to be the Leader bmusder. . 2D. Rundcas 8obdooss. Bautro m shaft not cause or permit the presence, use, disposal, storage, or rejease of say Haatdotrs Substances on or in the property. Borrower shall of do, nor dhow anyoas aim to do, adything d%0d4 the property that is In violadon of say Environmental Law, The preoediog two seateaoa shall n¢t apply to the ptrsnttoe, use, or storage con tie property of sooati qusttdtiex of lliaatdaau Sebstaoeea that are g iy recognized to be approptlate to mom l rWdm del uses and to man utsoc a of the propaty. Borrower dwU promptly Siva leader written notice of any inmroatiSaflon, claim, desmaod, lawsuit or other by say governmental or regulatory agency or private party involving due Peopaty and any Raardow S.4 brranoe or F.mfmnmemtal Isar of which Borrower ba sexual knowledge. If Borrower learn, or b notified by Ming of regulatory authority, that any rtmmeval or other n medistlon of any Haardous Substance Mging the Property is neensay. Borrower shall promptly talon all n mmy remedial scdons is aaoords we with Ehviramseatal LAW. Borrower shall be solely responsible for, sbuil indemnify, defend and bard harmttsa Lander. its dimcton, oftiDeis, emptoyaes. attorneys. 89ertu. and Weir respective sooe ssron and Mips, h m and WIM any and all claims, demterlls, causes of action, loss, damage, cost (including actual aaamap' fas ad taut coats and coo of aa)y tegaired or soccuary repair, clamp or dooAfte ion of the Property sand the preparation ad inplamentatim of any elosnre. abasecow, containment, remedial or other (required plan), expanses and liability dinedy or isIdireetly arising out of or attributable to (a) the use. Vanarstien, storage. release, tirounsd release, die bra db*d, abatement or presence of Hwxdous Substances on, under or about the Property. (b) the traasport to or from the Property of my Haardoas Substances. (e) the violation of any Hazardous Substances law, and (d) any 14smdous Sabstmm claims. As used in this paagrq& 20, "Haufdous Subspooea" an tbom substances defined as toxic or hazardous substances by Envr+oamwW LAW and the following eubataocce: gasoline, Yaoseee, osier ftamomable or toxic pbfolmmpmdtcts, totcpadddes sad berbicida, vOUW6solvuU. matadula omtaimiagnbmnoribmuld&yde, at4d radioactive rataaisle. As used in this pusgrapb 20, "Enviwnmaaal Law" moms federal laws ad taws of the jtirisdiclice wbere the Property is located that route to iedth, safely or envimnmrntal protection. ADDITIONAL COVENANTS. Borrower and Lander farthea cove ssat rod agree a follows: 21. Acrshostioe; liseenaA N say hreldmlt wader lire Noes at noses roomed hereby is out paid whou dtae, or ff l orrorrar dwom be 1 &afarltmdar ay prvaislcnof thin Swuzky Inasustseer. err tfBanoutsr lain del oit cep odtar moaagsgls cantina batta>mmt seemed by than Poverty, sil soma seutased by ibis Seatrity Lsantmaest messed iasesest tiaeoa shall err ems beenme dos tend pay" at We option of Leader wA t prior notice, e*oept sea otherwise teeprired by app5cable law. and reprdku of Pere 7 of 10 PAD10017.ap (03-24-05) Lb n Number 411005738 Servicing Number: 002330585-7 Date: 07/23/07 arty psiaf ftabm:aooe. to sub ev mt, Iarder, at its option. and subject 10 appluyblc law, map that Or thecea0 h web the poear of sale over my otaber ttateedies or tape my o&w ad= pm dined by a pplioahie fns. I seeder wM od d s11 seepeasee loomed fapassabtg the trsoMW daaeibed bt rids Paragdgmh 21, Wodhtg, bat not Ifmiiesd nor teasoo bb attomge bas ad was of title eeddmoe. 22. Raiesaa. Upon payment of all sums s wend by this Security 10MU tm1, Leader shall rdelse this pmpetty without warranty to the person or persona legally eudded to it. Such paasom or pataoas chap pay any reoordatioa costs. Leader may charge such person or persons a fee for teslaaing the Property for services rendered if the charging of the fee is permitted under applicable law. 23. Watras. Borrower, to the extent pemtittedby applicable law. waives and midues any eater or defects im proceedings to enforce this Security Instrument, and hsnby waive the benefit of my present or ftuttre laws peoviding for may of execution, extetrion of time, exemption from attachment, levy sad sale, and homestead exemption. 24. RdostM=pad9d. Borrower's time to reinstate provided in paragapb 18 shall erteaid to one hour prior to the eomesmencemsot of bidding at a sherfffa sale or other sale purwamt to this Secahy Instrument. 25. PmeI Money Maatpge. If any of the debt secured by this Secnity Inatromam is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purrlrase money mortgages. 26.5 mautRift After hm mem Borrower ape that the interest rate payalmle after a judgttfeot is entered on the Now or in an action of mortgage fateelmm shall be tbes rate payable from time to time under the Note. 27.Mbropmetootionaod?i 1isdoatae.Botmwerhmmadsoertainwriit ropre wmdoosaaddisdoam in order to induce I cad to mate the loan evidenced by the Note or now which this Security Tnatr>tnent secures, and In the avert the Borrower has trade any material mierepresentsdon or filled to disclose any wAwW fact, l boder, at its option sad without prior notice or demand, shall have the right to declare the iadcboedaess secured by this Security lnsnumat, irrespective of the maturity data specified in the Note or totes ow-red by this Security lrastrv m , immediately dus end payable. 28. Mw is of Me Bssmoa Time is of the essenoe in the performance of ml provision of this Security lurumnax. 29. Wake r of Sam dUnhadoos. The pleading of.the stance of limitations as a defense to enfomemeot of this Security Instrument, or any and all obligations referred to bamin or secured hereby, is hereby waived to the Mat extort permitted by applicable law. 30. Modification. This Seuuity Instrument may be modified or amended only by an agreement is writing signed by Borrower and Laadar. 31. Rmdmbornrmem. To the extent permitted by applicable law, Bolmewor shall reimburse Trustee and Lender for any and all, costs, few and expenses which either may incur, expend or sustain in the esacadon of the trust created heaamder or in the performance of any ad required or permitted bereveder or by law or In equity or otherwise arising out of or in cone don with this Soon" lnsaumeot, the Now, my other note soured by this Sfounty Instrument or say other iastrament executed by Borrower in comneetion with the Now or Security lustrmmoew. To the extent permitted by applicable law, Borrower shall pay to Trustee and I.ader their fees in c maaaion with Trustee sod I nder including. but not limited to awamption application feu: fen for ptyoff d4mands and, a mmeats of loan balance: fns for malting, teat smittiog and trantpotting copies of I= documents, v4ri9eations, fell or partial lien releases and other documents requested by borrower or aeoesaary for perfomtance of Lender's rights or duties under this Samity Instrument; fen arising from a manned or dishonored check: fees to datecmfac whether thes Property la ooctpied, protected, maintained or insured or related purposm: appraisal fees, kpPecdon fees, legal fees, broker fees, insurance mid-term substitutions, repair expenses, fineclosm fan and costs artaing from foreclosure of the property and protection of the security for this Security Instrument; and all other tW 9 of LO PA])100ta.vy (07.2405) Low Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 fees and coats of a similar nature not otherwise prabeMW by law. Permitted by applicable law, Borrower shall pay to Leader their fees in cotmadon with Leaaler providing documents or sts vioes arcing out of or In oonuee ion with this Sowrity Iaatrumeet, the Note, my other note secured by this Security hatrmmaent or any other instrument executed by Bomma in rounaion with the Now or Swi ity iastrmamat. 3Z. Qtsdcmtl t®cror. In the event Linder at any time discovers that the Note, any other note secured by this Security Instrument, the Security instrummt, or any other doctmmees or instrument executed in connection with the Security Instrument, Note or notes contains as error than was caused by a clerical mistake, calculation error, compost mslfancdom, printing error or stellar error, Borrower agrees, Won now from Leader, to r -e an my documents that are neoeaeay to sonnet any pub eeror(s). Borrower further agrase that Leader will not be liable to,Bosower for any damages incurred by Bormmr the are directly or iediraxly caused by any wad error. 33. Loot Ss kw6 Destroyed er ldt0shad 9weit f bswanse st and OWr Aoessnoft In do event of the loss. theft or deetrumon of the Note, gory other note secured by this Security ioattameat, the Security betrument or any other daanomts or instro ents wAcnded in oommclion with the Security instrument, Note or now (collectively, the 'Lou Documents"), upon Borrower's teoefpt of an indemnification exowted in favor of Borrower by Leader, o T, in tine event of the mutilation of any of the Iaan Documents, upon I eudar'a sunteadtu to Borrower of the mutilated Loin Document, Borrower shall cwm ad deliver to lender a Loan Document in form and content identical to, and to serve as a replacement of, the lost, stolen, destroyed, or mutilated Lou document. and such reoweeueeu shall have the amt force and effect as the lost, stolen, destrayed, or asudlated Loan Docemeexs, sad may be treated for all purposes as the original copy of such loan Document. 34. Aulgunn of Rouen. As additional secmity hwomdw, Borrower bemby auigaa w Lender the rents of the Property. Bosnowsr dial[ bave the right to 061 ket and retain the rears of the Property as they become due a4d payable provided Leodec has nor exercised its rights to require immediate payment in Bill of the sums secured by this Swx* instrument and Borwwar has not abandoned the Property. 35. Riders; to this Stmrily Insmossa. If out or more riders are executed by Borrower and recorded together with this Se n* bm moent, the covenants tad agreements of each sash rider dull be hwiporsted into and shall amend and supplemau the covenants and agreements of this Security Instrument as if the rider(s) were a part of Oita Security Instrument. (Check applicable box(es)] Adjustable Rate Rider ? Condominium Rider ? 14 Family Rider No Prepayment Penalty Option Rider 91 Planned Unit Development Rider ? Occupancy Rider Otber(s) (specify) 19 8a1100n Rader Pere 9 of 10 PADt00M.wp (03.2 4M Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 BY SI0MG BELOW, Borrower aoo*u sad agraa to the mans and eoveamts mutdoed is this Secntity Insa moew ad in any rider(s) examued by Borrower and recorded with it. Wltneases: DOUCJR? e 'd ` , tsa" B . T"0 080H •Bonowa 6/ (sap .Darmwa _(sap aorrower CAROL D• THO som J Bormwa (w -(sap •Bortowar ,aormwer Catdicm of R aideuca + I. ^ h Zhc n Adhateby ow* that the correct address of the wid4n•named ManpVe is `J01,1 ?Qh ?Q t-Mff- 0-4KD rVh tirc,l qo& -'PwIk 3 Burlington Wooda, 2nd Floor, Burlington, MA 01803 Witness my head ft rd1 day of 1 zoo-7 Agtat Mortgage COMMONWBALIM OF PENNMVANIA, C wmbr rtQ--p C Coaaty as: on this, the ?-3 day of 7t. f , before we. the undersigned OM=- Pataonally appeared an 13 "rVN0Alf a+? ?C D 7 ho ??.. ?ys?( W?Pt known to me (or snis& xodly proven) to be* person S whose name $ subscribed to the Within Wravmmt and ae kWwledged that 4-14ca. execrued the same for the purposes herein contained. IN WITNESS WIERBOF, I hereunto set my hand and official real. MY Commission Expires: `May (,, a site i tg11?aL aft LEt AtMAWO{g Na"Ma ?rlst tCRK DOIM/IY Page 10 of 10 AV Cat4ara8MOR bparaN ?, it?? Tate oroflk A-6-^? PAD10020.wp(03-?4-M LAU Nlaablf. 411005738 Secikft Number: 002330585-7 Date: 07/23/07 BALLOON RIDER This is a ULLWN IRAN. The terra of the loan is 40/30 years.1US ems thatwhileyonrmoaQdy payment amount is amortized in aocordaace with a 4o year loan term, the loan is payable in fall is THIRTY (30) years from the date the loan is made. As a result, you will be required to repay the entire remaining principal balance, together with accrued interest, late charges, if any, and all advanccrnents made by the lender wader the terms of this loan to TIMTY (30) years from the date on which the loan is made. The lender has no obligation to refinance this loan at the end of its term. Therefore, you may be required to repay the loan out of other assets you may own, or you may have to find another lender willing to refinance the loan. Assuming Ibis lender or another lender refinances this loan at maturity, you will probably be charged interest at market rates prevailing at that time which may be considerably higher or lower than the interest rate paid on this loan. You may also have to pay some or all of the closing costs normally associated with the new mortgage loan even if you obtain refinancing from the same lender. DO B. TSDUPsoN? -Bolmwer -Borower -Borrower IItOLtRtir'ATB BALir OM RIDS Pace I of I 1 CAROL A. TB?N,/ -Bon wa -Borrower USR1091.wp {01-12-M LAM Number: 611005738 Servicing Number: 002330SOS-7 Dade: 07/23/07 PU?NM UNl'I' DEVEWPNM MER THIS PLANNED UNTO DEVELOPMENT RIDER is made July 23 , 2007 , and is ineorpor"ad into and ball be deemed to EDAM and mipplem m the Mortgage. Dad of Trust or Security Deed (die 'Security bat ument') of the tame date. given by the undersigned (tbe 'Borrower') b secure Borrower's Note to H&R Block Mortgage Corporation, a Maaeachusetts Corporation (die "Lender') of the same date and covering the Property desatbed in the Staauity Insuttmcui and located 140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 Imp" Addreu) The Property includm but is not limited to, a parcel of )sad improved with a dwelling, together with other mcb paroels and certain eamomo o areas and facilities, as described in COVEDIHTS, CONDITIONS AND RESTRICTIONS (the 'Declaration"). The Property is a part of a planned unit development known as MIDDLETON ESTATES INa wof Plaosd Unit Developmaer) (the 'PUD"). The Property also includes Bormwer's interest in the homeowners association or equivalent eatlty owning or conazing the common arras and facilities of the PUD (the 'Owners Association") and the uses, benefits and proceeds of Borrower's interest. Imsnvment, PUD ODV@iAM. In addition to the covenants and agreements made in the Security Borrower and Leader hither coveaant and agree as follows: A. PUDObIlgatio w Borrower shall perform all of Borrower's obligatioaau ader the PUD's Constituent Documents. The 'Constituent Documents" are then (1) Decimation; (il) articles of incorporation, trust instrument of any etlarvalesrt document which creels the Owners Association; and (iii) any by-laws or otha rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessmaots imposed pursuant to the Constinmot Documents. B. Hazard brtttnsran. So long as the Owners Association tneiarains, with a generally accepted insurance carrier, a "master' or "blanket" policy insuring the Property which is satisfactory to Leader and which provides iamrsaa ecoversge in the amounts, for the periods, and against the hazards Leader requires. ineinding fire and hazards included within the term "extended coverage," then: ()) Lendx waives the provision in Covenant 2 for the monthly payment to lender of the yearly premium installments; for bawd i tw=os on the Property; and (ii) Borrower's obligation under Coveoam 5 to maintain hazard insurance coverage on the Property is deemed satisfied to the extort that the required coverage is provided by the Owners Asweistion policy. Borrower shall give Lmder prompt notice of any lapse in required hazard insurance coverage provided by the master or blanket policy. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property, or to conanon mss and fscilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be padd to Lander. Leader shall apply the proceeds to the sums secured by the Security Instrument, with my atcas paid to Borrower. C. Public. Llsbillity ilosmtaaon Borrower shall take such actions as tray be reasonable to insure that the Owners Association mdatains a public liability insurance policy acceptable in torra, aamont, and extent of coverage to Leader. MMTWATBPOD JUDER.SIVA Farm- PNNAAVLW10r30RU nVSMUXRrr-F WSL4 m e/W Aso 1 oft USR1011I Wp01-1404) Loan Number: 411005138 Setvicing Number: 002330585-7 Data. 07/23/07 D. CeodemnaWL Ue proceeds of any award or claim for damages, direct or consequential. payable to Borrower in connection with my eondeennation or otter taring of all or my pat of the property or the cora®oa was and utilities of the PUD, or tear any coavrymce in Hou of coudeamatios, shall be paid to Leader. Such proceeds shall be applied by bender to the aerms aerated by the Security bistrrmmt as provided is Sectitm 10- E. Leader's Pdor Comm. Borrower shall not, except attar notice to Lender and with Leoder's prior written coneeat, either partition or subdivide the Property or consent to: 0) the abandotenant or tetnanstion of the PUD, except for abandonment or temmnadou regaired by law in the case of sabstmtlal destruction by fire or other casualty or in the caw of a taking by condemnation or eminent domain; (ii) any amendment to say provision of the "Constituent Documents" if the provision is for the express bendt of Leads; (!U)tenminationof plofessionalmamgement and awamption of self-management of theOwners Association; or (iv) any action which would have the effect of rendering the public liability Warance coverage noffinmined by the Owners Association unacceptable to Leader. F. Ramedies. u Borrower does not pay PUD dues and asseeements when due, then Leader, if allowed by applicable law, may pay them. Any smmtats ftweed by lender under this paragraph F shall become additional debt of Borrower sermed by the Secsrity Instnament. Unless Borrower and IMAM agree to other toms of payment, these amounts shdl bear interest hom the date of disbursment at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNM BELOW, Borrower accepts and agrees to the terms and covenants contained to this PUD Rider. B (Sent) H. . T HInlPSON 8onower (Seao .Borrower -Bormwer C ?~ ? (Sall CAROL' D. TSOMpsob B(Mwer (San -Boner (Serb Borrower 1ttR.TWATB PUD RD IM - Sho r-oft4+ua uwlpftdo haw uNwong 1NStmummr Pace 2 of 2 USR10112.wp (1I-19-06) Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 ADJUSTABLE RATE RIDER (LIBOR Index - Rate Caps) THIS ADJUSTABLE RATB RIDER is merle July 23, 2007 and is mcotporated into end d" be deemed to amend sad supplement the mortgage, Deed of Truer or Se unity Deed (the 'Security lntuumte tV) of the sense dame Sim by the undersigned (the "Borrower') to waste Bormwat's Adjustable Rate Now (the 'Note') to H&R Block Mortgage Corporation, a Massachusetts Corporation (the "Lender') of the same date and covering the ptopeny descnl" in the Security instrument and located at: 140 PARTRIDGE CIR, CARLISLE, PA 170L3-8701 9" WW Addmul THENOTBCMAINSPROVBt MALWWMPOQCHANGESINT=Dff UW RAW AND THE WWMY PAYMENT. THE N= IBM 1HE AMOUNT THE OMROWWS INTlfTRBST RAM CAN CHANGE AT ANY ONE TD AE AND THE MA7MlUM RATB THR BORROWER MAST PAY.. ADDITIONAL COVENANTS. ht addition to the covenants and agreements made in the Security lnstmment. Borrower and Leader fbrther covenant ad agree as follows: The Note provides for an initial interest rata of 10.9003 The Note provides for changes in the insect rate and the monthly payments, as follows: 4- ]N1WU T RATE AND 1AONTHLY PAYMENT CHANCRS (A) Chmp Dads The interest rate I will pay may change on the first day of August of 2012 and on that day every sixth month thereafter. Each date on winch my interest rate could cbange is called a "Change Date." (Tt) The lades Beginning with the first Change Date, my interest rate will be based on an Index. The "Lrdex" is the average of interbank offered rate for six-month U.S. dollar-deaomineted deposits in the Londort market ('LIBOR"), as published in 774 Wall Stud Journal. The most recent Index figure available as of the first business day of the month Immediately preceding the month in which the Change Date oo na is called the 'Currant Index.' If the haWx is no longer available:, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) CabWWQU of Charges Before each Cheap Date, the Note Holder will calculate my new intarm rate by adding six percentage point(s) ( S. 0003 ) to the Cuntot Index. The Note Holder will then round the result of th€s addition to the am higher one-eighdt of one percentage point (0.125 %). Subject to the limits stared in Section 4(D) below, this rounded amount will tNLMTATS AnRWARIE RATE 117101-IaOR DWWt - Sb*e Pamir Pap 100 3 USRa1021(034WT) Loan Number: 4110OS738 Servicialt Number: 002330565-7 Date: 07/23/01 be my new interest We until the oett Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid pAudpd that I am atpeaed to owe at the Change Date In %110 an the Mamdty Due at my new lotetest rate In subsaodally equal paymenta..7be result of this calcaladan will be the new amount of my MORWY ll (D) last an Imeaest Race 1be lmmeat zate I am required to pay at the first Chmgc Date will not be grestar than 12 . aoo% or less tban 6.000% . Thereafter, my interest rate will new be increased or decreased on any shag e; amp Date by ern than one and a half-percentage points (1.5=) from the rue of Interest I have been paying for the preceding six months. in no event will my interest rate be gmuer than 16.9001 or leas than 6.000% (a) Bar" - C Dane of ch ages My new interest rife will become effective on each Change Diu. I will pay the amount of my new monthly payment beginttiag no *a Am monthly payment date otter the Change Date until the amount of my monthly payment changes tgaia• (F) Notloe of ChIMM The Note Holder will deliver or mail to me a notice of any changes in fry interest rate and the amount of my monthly payment before the effective due of any change. The notice will include infonmstion required by law to be Sim we and oleo the title and telephone number of a person who will answer any question I may have regarding the notice. 12ANS M OF IM PROPERTY OR A BBNMgCJAL IIr7MM IN BORROWER COVenant 17 of the Secut* Iatttumest is ametrdod to road u follows; Tmafatr et do PMperty or a Rawfinlal 1a83eai fa Botrowex. If all or ay put of the property or any interest in It is sold or transferrred (or if a beneficial interest in Borrower is sold or transferred and Bonvwer is not a mtttcal Pam) without I.ecdm Is prior written consent, Lender may, at its option, require immediate payment in full of ail sums secured by this Security Instrument. However. this option shall not be mroised by Laada if eternise is probibited by federal law as of the do of this Security Iaantutent. Linda also Shall not eaeadae this option if. (a) Harrower attaes to be submitted to Lender Inlbrmadon required by i a tier w -taw the intended transferee as if a new losa were behig made to the ttansfam; and (b) Larder reasonably determiuea that Lenda's aWM* will not be impaired by dma loan assumption and that the risk of a brash of any covenant or agreement in this Security Instrument is acceptable to Leader. To the extent permitted by applicable law, l ender may cbwp a reasonable fee as a condition to Leader's consent to the Ism assumption. harder may also require the modem to sign an assumption agreement that is acceptable to Leader std that obligates the nusfcrac to peep an the promises and agreements made in the Note and in this Security Instrument, Borrower will continue to be obligated under the Note and this Security Instrument unless [.ender releases Borrower in writing. if I each eterraaas the option to regtdne imsmediafe payment in MI. Landes shall give Borrower notice of accelerstiom. the notice droll provide a period of not lets than 30 days front the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Seto my hutrum m. If Borrower fells to pay these sums prior to the etpiratiou of this period, lanfez may invoke any remedies pemtitted by'this Security Instrument widrout ittrther notice or demand on Borrower. MU YLS7'MS ADAWAKZ RATE rttD394AM IIO p Fas@y Pane 2 0f 3 USRW M (0:t.0a.0'>) Loan NwWm: 4 110 05 7 3 8 Servicing Number: 002330585-7 Date: 07/23/07 BY SIGNING BELOW, Borrower aooepts and agrees -to the terms and wvmx= oootaiaed iR this Adjutaable Rare Rider. (Sal) DOtt S. 1'RO SON -C-CXD _ (Sap ?C /?/ ? r (Sap CAROL D. TRMGWN (Ss>) (W) YID TWrA78ADnWAK8 RA31 FOR AaffiL-Moe Pmiy AA 3 of 3 USRIM (O g-M EXHIBIT "A" The land refetsed tD in this poky is si =Ud in the STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND, CTfY OF CARLISLE, and desulbad as Ibkm ALL THAT Comm TRACT OR PARCEL OF LAND WITH THE IMPROVEMENTS THEREON EREC'T'ED SITUATE IN THE TOWNSHIP OF NORTH MIDDLETDN, COUNTY OF CUMBERLAND, COMMONWEALTH OF PENNSYLVANIA, KNOWN AS LOT NO. 12-A, AS DESCRIBED IN ACCORDANCE WITH A FINAL SUBDIVISION PLAN OF MIDDL ETON ESTATES PHASE I BY ROBERT G. HARTMAN, JR., REGISTER@D PROFESSIONAL; SURVEYOR, REVISED JUNE 23, 1989, AND RECORDED IN TKE OFFICE OF RECORDER OF DEEDS IN AND FOR CINIERLAND COUNTY, PENNSYLVANIA IN PLAN BOOK 58, PAGE 100, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EASTERN RIGHT-OF-WAY LINE OF PARTRIDGE CIRCLE FORMERLY KNOWN AS HEMLOCK DRIVE) AT THE NORTHEASTERN CORNER OF LOT NO. 12-8 ON TIME AFOREMENTIONED PLAN OF LOTS; THENCE ALONG THE EASTERN RIGHT-0F-WAY LINE OF PARTRIDGE CIRCLE (FORMERLY KNOWN AS HEMLOCK DRIVE), NORTH 35 DEGREES 14 MINUTES 08 SECONDS EAST, A DISTANCE OF OF 37.99 FEET TO A POINT, THENCE BY A CURVE TO THE RIGHT HAVING A RADIUS OF 12 FEET, AN ARC LENGTH OF 17.88 FEET TO A POINT ON THE SOUTHERN RIGHT-OF-WAY LINE OF: PARTRIDGE CIRCLE; THENCE ALONG THE SOUTHERN RIGHT-OF-WAY LIVE OF PARTRIDGE CIRCLE, SOUTH 59 DEGREES 24 MINUTES 23 SECONDS EAST A DISTANCE OF 114.35 FEET TO A POINT ON THE NORTHWESTERN CORNER OF LOT NO. 11-A ON THE AFOREMENTIONED PLAN OF LOTS; THENCE ALONG LOTS NO. 11-A AND 11-8, SOUTH 35 DEGREES 14 MINUTES 08 SECONDS WEST A DISTANCE OF 59.20 FEET TO A POINT ON THE NORTHEASTERN CORNER OF LOT NO. 12-8 ON THE AFOREMENTIONED PLAN OF LOTS; THENCE ALONG LOT NO. 12-B, NORTH 54 DEGREES 45 MINUTES 52 SECONDS WEST A DISTANCE OF 12S FEET TO A POINT ON 714E EASTERN RIGHT-OF-WAY LINE OF PARTRIDGE CIRCLE (FORMERLY KNOWN AS HEMLOCK DRIVE), THE PLACE OF BEGINNING. YIM?Ili1NilHllpl THO"PsON PA 12 83899 FIRST i141ERICAN LENDERS ADVANTAGE NORTGRGE p1111N111 l 1111k1 NNIU11111 {NI111Y11Nf Itl ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200731221 Recorded On 8/9/2007 At 11:00:57 AM * Total Pages - 18 * Instrument Type - MORTGAGE Invoice Number -1735 User ID - AMS * Mortgagor - THOMPSON, DOUGLAS B * Mortgagee - H&R BLOCK MORTGAGE CORPORATION * Customer - FIRST AMERICAN * FEES STATE WRIT TAR $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $37.50 RECORDER OF DEEDS AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $64.50 I Certify this to be recorded in Cumberland County PA RECORDER OF DDS Certification Page DO NOT DETACH This page is now part of this legal document. " - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. umN?inii EXHIBIT C I luua e, RECORDING REQUESTED AND PREPARED BY: American Document Services, LLC. 250 Commerce, 2nd Floor Irvine, CA 92602 (714) 665-2800 1NIELDA DAVALOS (AMERDOCS) And When Recorded Mail To: American Document Services, LL 250 Commerce, 2nd Floor Irvine, CA 92602 PARCEL# 18-1252-0038-0000000.29 Property Address: 140 PARTRIDGE CIR, CARLISLE PA 17013 Space above for Recorder's use Loan: 411005738 Service: 257623ASI 1111111111111 IN 1111 11111 ill + ASSIGNMENT OF MORTGAGE For good and valuable consideration, the suffioiency of which is hereby acknowledged, H&R BLOCK MORTGAGE CORPORATION, A MA CORPORATION, 20 BLANCHARD ROAD BURLINGTON MA 01803-0000. By these presents does convoy, grant, bargain, sell, assign, transfer and set over to: OPTION ONE MORTGAGE CORPORATION, A CALIFORNIA CORPORATION, 3 ADA IRVINE CA 92618.0000. The described Mortgage, together with the certain note(s) described therein with all interest, all liens, and any rights due or to become due thereon. Said Mortgage for $146,200.00 is recorded in the State of PENNSYLVANIA, Township of CARLISLE, County of CUMBERLAND Official Records, dated and recorded on AUGUST 09, 2007, as Instrument No. 200731221, in Boob No. -, at Page No. -. Original Mortgagor: DOUGLAS B. THOMPSON AND CAROLYN D. THOMPSON; HUSBAND AND WIFE. Original Mortgagee: H&R BLOCK MORTGAGE CORPORATION, A MASSACHUSETTS CORPORATION. Legal Description: See Attached Exhibit. 140 PARTRIDGE C1R, CARLISLE PA 17013. Dal Ha By, ETTS CORP. Loan#: 411005738 Srv#:257623ASI Page 2 State of CALIFORNIA } County of ORANGE } as. On MARCH 28, 2008, before me, Kelly L. Tyler, a Notary Public, personally appeared Elizabeth Garcia, Vice President of H&R BLOCK MORTGAGE CORPORATION, A MASSACHUSETTS CORP. who proved to me on the basis of satisfactory evidence to be the person*whose namo*islare-subson-hed to the within instrument and acknowledged to me that-hefsheftheg-executed the same in htafher/dwir-authorized oapaoity*s}- and that by AitiherM sir signatun*en the instrument the person(o)7-or the entity upon behalf of which the per on, s, Toted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of Cal 'mia that the foregoing paragraph is true and correct. Wi as m Id and official seal. KEI . ty17 t Y CommlWon a 1722419 a Notary Public California Orange County ,Comm,6pNwJan30,2011 within named assignee is: 3 ADA IRVINE CA 92618-0000 By: 411005738 257623AS 1 589HRB PA EXHIBIT "Am The lend mfermd to in this policy is situated in ft STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND, CITY OF COMLE, and described as fof oo: ALL THAT CERTAIN TRACT OR PARCEL OF LAND WITH T HE IMPROVEMENTS TEiO ON OWED SITUATE IN THE TOWNSEEiIP OF NORTH MIDDLETON, WUNTY OF CUMBBL 480, COMMONWEALTH OF PENNSYLVANIA, KNOWN AS LOT NO. 12-A, AS DESCRWD M ACCORDANCE WI H A FINAL SUBDIVISION PLAN OF MIDDIETON ESTATES PHASE I BY ROBERT G. HAM", JR., P aI5rftD PROF SSIONAL; SURVEYOR, REVISED JUNE 23, M9, AND RECORDED IN THE OFFICE OF RECORDER OF DEEDS IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN PLAN BOOK S8, PAGE 100, MORE PARTICULARLY BOUNDED AND DESCRTBEO AS FOLLOWS, TO WIT: BEGINNING AT A PowT ON THE EAsrmN RIGHT OFFWAY LINE OF PAR'ERim CIRCLE FORMERLY KNOWN AS HEMLOCK DRIVE) ATTHE NORTHEASTERN CORNER OF LOT NO. 12-0 ON THE AFOREMEIMONE D PLAN OF LOTS; THENCE ALONG THE EASTERN RIGHT-OF-WAY LINE OF PARTWOGE CIRCLE (FORMERLY KNOWN LAS HEMLOCK DOA), NORTH 35 DEGREES 14 f4 08 SECONDS EAST, A DISTANCE OF OF 37.99 FEET TO A POINT; THENCE BY A CURVE TO THE RIGHT HAVING A RADIUS OF 12 FEET, AN ARC LENM OF 17.88 FEET TO A POINT ON THE SOUT14SM FdG -OF-WAY LINE: OF PARTRIDGE: ORttE; THENCE ALONG THE: SOUTHERN RIGHT-OF-WAY LINE: OF PART'R GE CIRCLE, SOUTH S9 DEGREES 24 MINUTES 223 SECONDS EAST A OtS ICE OP 114.$5 f€Et TO A POINT OK THE' NORTHWESTERN CORNER OF EAT NO. 11-A ON THE AFOREMENTIONED PLAN OF LOTS; THENCE ALONG LOTS NO. 11-A AND It-B, SOUTH 35 DEGIEES 14 MINUTES 08 SECONDS WEST A DISTANCE OF 59,20 T O A POINT ON THE NORTHERS ERN CORNER OF LDT NO, 12-3 ON THE AFOREMEEMONED PLAN OF RATS; THENCE ALONG LOT NO, 12-8, NORTH 54 DEGREES 45 MINUTES 52 SECONDS WEST A DISTANCE OF 12S FEET TO A POINT ON THE EASTERN RIGHT OF-WAY LINE OF PARTRIDGE CIRCLE (FORMERLY AS HEMLOCK DRIVE), THE PLACE OF BEGINNING. ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200811442 Recorded On 4/11/2008 At 11:33:00 AM * Instrument Tyre - ASSIGNMENT OF MORTGAGE Invoice Numbcr -18489 User ID - AF * Mortgagor - H & R BLOCK MTG CORP * Mortgagee - OPTION ONE MORTGAGE CORP * Customer - AMERICAN ROCS * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $27.00 * Total Pages - 4 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA RECORDER O ?EDS ipso u - Information donated by an asterisk may change during the verification process and may not be reflected on this page. OOO?iPY iiad EXHIBIT D a? Prepared By / Return To: E.Lance/NTC, 2100 Alt. 19 North, Palm Harbor, FL 34683 (800)346.9152 AHMSI L#: 0023305857 \, 002JK4 Investor: OTHER Investor L#: 411005738 Effective Dail: 10/01/2007 Tax Code/PIN: 15-1252$038-`69099Q"9- ASSIGNMENT OF MORTGAGE -- -- Contact American Home Mortgage Servicing, Inc., 1525 S. Beltline Rd., Coppell, TX 75019, telephone # (469) 645-3000, which is responsible for receiving payments. FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the undersigned, Sand Canyon Corporation We Option One Mortgage Corporation, WHOSE ADDRESS IS 7595 Irvine Center Dr #100, Irvine, CA, 92618, (ASSIGNOR), by these presents does convey, grant, sell, assign, transfer and set over the described MORTGAGE therein together with all interest secured thereby, all liens, and any rights due or to become due thereon to WELLS FARGO BANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPTS, ASSET-BACKED CERTIFICATES, SERIES 2007-OPT5, WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21045-1951, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE). Said MORTGAGE dated 07123/2007, in the amount of $146,200.00 made by DOUGLAS B THOMPSON AND CAROLYN D THOMPSON to H&R BLOCK MORTGAGE CORPORATION recorded on, in the Office of the Recorder of Deeds of CUMBERLAND County, Pennsylvania, in Book , Page (or Document # 200731221) See Exhibit attached for Assignments, Modifications etc Property more commonly known as: 140 PARTRIDGE CIR TOWNSHIP OF NORTH MIDDLETON, CARLISLE, PA 17013 Dated on 01/_/2012 (MM/DD/YYYY) Sand Canyon Corporation Vk/a Option One Mortgage Corporation By: DERRICK WHI VICE PRESIDENT AMSAS 15612037 -0 IA CJ3487796 N4 FORMMMPA 1 111111101011111111111 IN IN 11111 1111 IN *15612037* Loan #:0023305857 STATE OF FLORIDA COUNTY OF PINELLAS The foregoing instrument was acknowledged before me on 01/ 012 (MM/DDIYYYY), by DERRICK WHITE as VICE PRESIDENT for Sand Canyon Corporation f ption One Mortgage Corporation, who, as such VICE PRESIDENT being authorized to do so; executed the foregoing instrument for the purposes therein contained. He/she/they iskgw) personally known to me. - A ItU MIRANDA AVILA Tr - ' Alft" Miranda Avila Notary Public State of FWft Notary Public - State of FLORIDA My Comtttlsslort # EE 019063 Commission expires: 08/2212014 Expires August 22, 2014 Assignment of Mortgage from: Sand Canyon Corporation VWa Option One Mortgage Corporadon,'WHOSE ADDRESS IS 7595 Irvine Center Dr #100, Irvine, CA, 92618, (ASSIGNOR), to: WELLS FARGO BANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPT5, ASSET-BACKED CERTIFICATES, SERIES 2007-OPTS, WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21045-1951, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE) Mortgagor: DOUGLAS B THOMPSON AND CAROLYN D THOMPSON When Recorded Return To: American Home Mort gage C/O NTC 2100 Alt. 19 Nort h Palm Harbor, FL 34683 All that certain lot or piece of ground situated in Mortgage Premise: 140 PARTRIDGE CIR TOWNSHIP OF NORTH MIDDLETON .CARLISLE, PA 17013 CUMBERLAND (Borough or Township, if stated), Commonwealth of Pennsylvania. Being more particularly described in said mortgage. I, DERRICK WHITE, do certify that the precise address of the within named assignee is: WELLS FARGO BANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPT5, ASSET-BACKED CERTIFICATES, SERIES 2007-OPT5, WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21045-1951, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE) By: DERRICK WHI VICE PRESIDENT *15612037* AMSAS 15612037 -0 IA CJ3487790 N4 FORM5IFRMPAI I I[ i IIIII III VIII Ills 111111111111111 IN 1111 w15612037* Loan No: 6023305857 Assignment: H&R BLOCK MORTGAGE CORPORATION TO OPTION ONE MORTGAGE CORPORATION DATED 03-28-2008. REC: 0411-2008 INSTR# 200811442 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 201202547 Recorded On 1/26/2012 At 11:56:03 AM * Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 100829 User ID - SW * Mortgagor - THOMPSON, DOUGLAS B * Mortgagee - SOUNDVIEW HOME LOAN TRUST 2007-OPT5 * Customer - NATIONWIDE TITLE CLEARING * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 JUSTICE RECORDING FEES - $12.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $51.50 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA o? Mso ° RECORDER O D EDS nao • - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 11111111111111111111111 EXHIBIT E n AMERICAN HOME MORTGAGE SERVICING, INC. SECURITY RETENTION AGREEMENT (Providing for a Fixed Interest Rate) Re: Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013 Borrower(s): DOUGLAS B. THOMPSON This Security Retention Agreement (hereinafter "Agreement"), is made and entered into as of APRIL 1, 2010, (the "Effective Date") by and between American Home Mortgage Servicing, Inc. (hereinafter "Loan Servicer") and DOUGLAS B. THOMPSON (hereinafter collectively referred to as "Borrowers"). RECITALS: Borrowers executed that certain promissory note (hereinafter "Note") and mortgage, deed of trust or deed to secure debt (hereinafter "Security Instrument") on or about JULY 27, 2007, in the original principal amount of U.S $146,200.00, (hereinafter collectively referred to as "Loan" or "Loan Documents"); and Borrowers secured the Loan by virtue of the Security Instrument, covering the premises commonly known as 140 PARTRIDGE CIR, CARLISLE, PA 17013 (hereinafter referred to as "Property"); and Borrowers debts have been discharged pursuant to a Chapter 7 bankruptcy, but Loan Servicer retained and reserved its right under the Security Instrument to foreclose on the Property; and Borrowers have informed Loan Servicer that it wishes to remain in the Property and continue to make payments on the Loan; and Loan Servicer has stated that it will forego pursuit of the legal remedies available to it, provided that Borrowers execute and fulfill the terms of this Agreement. AGREEMENT: NOW THEREFORE, in consideration of the Loan Servicer forgoing pursuit of its legal remedies under the Security Instrument relating to foreclosure and sale of the Property, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Borrowers understand, acknowledge, covenant and agree as follows: SRA Fixed LM000004 Page I ol'6 V 12 (043009) 1. Recitals: The above recitals are true and correct and incorporated herein by reference. 2. No Personal Liability: Since Borrowers' debts have previously been discharged pursuant to a Chapter 7 bankruptcy and since Borrowers did not sign an agreement reaffirming the Loan, this Agreement is not to be construed as an attempt to collect a debt from Borrowers personally. Borrowers understand and Loan Servicer acknowledges that Loan Servicer has no right and no intention to enforce the Loan against Borrowers and that Loan Servicer's only recourse, if the Loan is not current as setforth in the Loan Documents and this Agreement, is to foreclose on the Property. 3. Forbearance by Loan Servicer: Even though Borrowers are no longer personally liable to repay the Loan, Loan Servicer reserves its right under the Security Instrument to foreclose on the Property, which Borrowers acknowledge and agree they pledged as security for the Loan. Borrowers hereby request that Loan Servicer forbear from pursuing foreclosure and enter into this Agreement, which specifies the steps they must take in order to allow them to retain the Property. In consideration of Borrowers' agreement to abide, and only for so long as they continue to abide, by all of the terms and conditions of this Agreement, Loan Servicer hereby agrees to forbear from foreclosing on the Property. 4. Payments: In consideration of Loan Servicer forbearing from foreclosing and allowing Borrowers to remain in the Property, Borrowers must make monthly Property retention payments ("Payment" or "Payments") in the amounts and by the dates, and in accordance with the terms and conditions, as set forth in this Agreement. a. As of the Effective Date, the amount payable under the Note and the Security Instrument is U.S. $156,949.45 (the "New Principal Balance"), consisting of the unpaid amount(s) loaned to Borrowers by Lender plus any accrued and unpaid interest and other amounts capitalized as set forth in Schedule "A," attached hereto and made a part hereof. b. Borrowers shall pay an earnest money payment (the "Deposit") in the amount of U.S. $0.00, which Deposit must be received by Loan Servicer no later than 5:00 P.M. Eastern Time, APRIL 19, 2010, either:: (i) via overnight mail sent to the attention of American Home Mortgage Servicing, Inc., 4875 Belfort Road, Suite 130 Jacksonville FL 32256, in the form of guaranteed funds (certified check, cashiers check or money order) made payable to American Home Mortgage Servicing, Inc., or (ii) via Western Union "quick collect" to Code City: Option, Code State: CA. c. The Deposit shall be deducted from the New Principal Balance, for a total outstanding balance on the Loan of U.S. $156,949.45 (the "Reduced r Principal Balance"). SRA Fixcd LM000004 Page 2 of'6 V 1 2 (043009) d. Interest shall be charged on the Reduced Principal Balance at the yearly rate of 6.970%, from the Effective Date until AUGUST 1, 2037, (the "Maturity Date"). e. Borrowers shall make Payments of principal and interest (plus any amounts due for taxes and insurance as set forth in Schedule "A") in the amount of U.S. $1,072.02. All Payments must be received by Loan Servicer, clearly marked with the above-referenced Loan number, no later than 5:00 P.M. Eastern Time, beginning on MAY 1, 2010, and continuing on the same date of each and every succeeding month until the Reduced Principal Balance and interest are paid in full. If the Loan is an adjustable-rate mortgage ("ARM") loan and Borrower receives an ARM adjustment notice prior to the Payment beginning date indicated in the preceding sentence, Borrowers should ignore such notice and make Payments in accordance with this Agreement. If on the Maturity Date, Borrowers still owe amounts under the Loan, as amended by this Agreement, Borrowers will pay these amounts in full on the Maturity Date. L Payments are subject to increase at any time pursuant to paragraphs 5 and 6 below. g. As to each and every Payment made under this Agreement, time shall be strictly of the essence and there shall be no grace period. 5. Additional Fees and Costs; Increase in Payment: a. Additional fees, expenses and charges relating to the Loan that have not been billed to or incurred by Loan Servicer or debited to the Loan account as of the Effective Date (including but not limited to late fees, appraisal and broker price opinion fees, property inspection fees, Loan Servicer advances for payment of Borrowers' taxes and/or insurance, attorney fees and expenses, collection fees and any other expenses incurred by Loan Servicer to protect its security interest in the Property), or clerical errors later discovered in the calculation of the Payments, (all of which fees, expenses, charges and errors, together with late charges, are collectively referred to as "Additional Costs"), are not included in the Payment amount and must be paid by Borrowers in order to fully satisfy the terms and conditions of this Agreement, b. In order to ensure payment by Borrowers of such Additional Costs, Loan Servicer may, upon written notice by Loan Servicer to Borrowers and in Loan Servicer's sole and absolute discretion, either: (i) demand immediate payment in full of the Additional costs, (ii) add such Additional Costs to the Reduced Principal Balance, or (iii) add a prorata amount of the Additional Costs to the Payment in an amount necessary either to pay the Additional Costs by a certain date as specified in such written notice or to pay the Loan off by the Maturity Date. SRA Nixcd L.M000004 Page 3 of6 V 1.2 (043009) 6. Taxes and Hazard Insurance; Increase in Payments: Should Loan Servicer require Borrowers, pursuant to the terms of the Loan Documents, to establish an impound account with Loan Servicer for payment of taxes and insurance, or should the monthly contribution to any existing impound account increase pursuant to a periodic escrow analysis, the Payments may increase accordingly. Should the monthly contribution to any existing impound account decrease pursuant to a periodic escrow analysis, the Payments will decrease accordingly. 7. Effect of Agreement; Forbearance: This Agreement shall be of absolutely no force or effect, and no action will be taken by Loan Servicer to forbear from foreclosing on the Property, or to postpone the foreclosure or sale of the Property (f applicable), unless and until Loan Servicer has received both this Agreement, fully executed by Borrowers, and any required Deposit in the form and in the manner as outlined in subparagraph 4b above by no later than 5:00 P.M. Eastern Time, APRIL 19, 2010. This Agreement is not considered "received" by Loan Servicer unless and until it has been internally date stamped by Loan Servicer and delivered in hand to The Home Retention Team at 4875 Belfort Road, Suite 130 Jacksonville FL 32256. 8. Material Breach and Termination of Agreement: Borrowers shall be considered to be in material breach of this Agreement and this Agreement shall automatically terminate under any of the following circumstances: a. Borrowers fail to strictly comply with any of the terms of this Agreement or the Loan Documents as revised by this Agreement. b. The Property is abandoned or left vacant for more than sixty (60) days. c. Borrowers transfer any interest in the Property without Loan Servicer's prior written consent. 9. Effect of Termination: If this Agreement is terminated due to material breach as set forth above, the Loan Servicer shall be entitled to pursue its remedies pursuant to the terms and conditions of the Security Instrument as if this Agreement had never existed. 10. No Defenses: Borrowers agree that, except as set forth in paragraph 2 above, they have no defense, setoff or counterclaim related to the Loan or the Property, or to Loan Servicer's activities relating to the Loan or the Property. 11. Advice of Attorney: Borrowers warrant and represent that: (i) in executing this Agreement they have relied upon legal advice from the attorney of their choice, (ii) this Agreement has been read by Borrowers and such attorney, and its consequences (including risks, complications, and costs) have been completely explained to Borrowers by that attorney, and (iii) Borrowers fully understand the terms of this Agreement. sRn Fixed L,M000004 Page 4 ol'6 V 12 (043009) 12. Loan Documents: All of the terms and conditions of the Security Instrument shall remain in full force and effect except as expressly modified by this Agreement. Nothing contained in this Agreement shall be construed to impair the Security Instrument or affect or impair Loan Servicer's rights or powers under the Security Instrument to recover any sum due under the terms of this Agreement, including any Additional Costs. Borrowers will comply with all covenants, agreements, and requirements of the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the Effective Date: a. All terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note. b. All terms and provisions of any adjustable rate rider, or other instrument or document (if any) that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. 13. Notice: Any notice by Loan Servieer to Borrowers under this Agreement shall be deemed given if delivered by regular, certified or overnight mail to the Property address as it appears in this Agreement. 14. Severability: To the extent that any word, phrase, clause, or sentence of this Agreement shall be found to be illegal or unenforceable for any reason, such word, phrase, clause, or sentence shall be modified or deleted in such a manner so as to make the Agreement, as so modified, legal and enforceable under applicable law, provided that, should such modification or deletion materially diminish the benefit of this Agreement to either Loan Servieer, in its sole discretion and election, or Borrowers, in their sole discretion and election, the Agreement shall, only after written notice given by the electing party to the other party,, be of no force or effect and the relationship of Loan Servieer and Borrowers shall be entirely governed by the provisions of the Loan Documents. NOTICE TO BORROWERS WITH ADJUSTABLE-RATE LOANS: For Borrowers with an adjustable-rate loan, please read this notice carefully. In accordance with subparagraphs 12(a) and (b) of this Agreement, you (Borrowers) understand that the Loan is modified from an adjustable-rate loan to a fixed-rate loan. An adjustable-rate loan differs from a fixed-rate loan. With a fixed-rate loan, the interest rate stays the same during the life of the loan. With an adjustable-rate loan, the interest rate changes periodically, in relation to an index and a margin, and Payments may go up or down accordingly. IF INTEREST RATES DECREASE, AN ADJUSTABLE-RATE LOAN COULD BE LESS EXPENSIVE OVER A LONG PERIOD THAN A FIXED-RATE LOAN. YOU UNDERSTAND THAT BY MODIFYING THIS LOAN TO A FIXED-RATE LOAN, YOU ARE FOREGOING THIS POTENTIAL ADVANTAGE. IN WI FNESS WHEREOF, the undersigned has/have caused this Agreement to be executed as of the date first above written. orrower: JCl/• c?`'-. Borrower: $L?- DOUGLAS B. OMPSON k4 SRA Fixed LM000004 Pagc 5 of 6 V 1.2 (043009) Dated: American Home Mortgage Servicing, Inc. By: Dated: SKn Nixed LM000004 Page 6 of '6 V 12 (043009) Loan Modification Agreement Schedule A Name of Borrower(s). Douglas Thompson Loan Number. 23305857 DESGKIPTION OF TOTAL AMOUNT DUE AMOUNT OUE Current Principal Balance $145,668.14 Total Amount Capitalized $11.283311 BALLOON LOAN DISCLOSURES (if applicable) Amortizing Amount $156,949.45 Deferment Amount $000 Total Balloon Payment ' $000 The Balloon Payment is subject to change if yow low contains a variable rate feature ITEMIZATION OF AMOUNT DUE Deferred Amount Total Due Delinquent/Unpaid Interest 11/1/2009 To 3131/2010 $6,61565 Attorney Fee/Costs $000 $700.00 Unpaid Taxes / Unpaid Insurance / Escrow Reserves $000 $4,345.08 Modification Fee $000 $000 Document Pre aration Fee $0.00 $000 71t1a Fee If a livable $0.00 3000 Property Preservation $0.00 $000 Pro Inspection $0.00 $000 Broker Price Opinion (BPD Estimated Value of Property) $000 $000 Borrower Interview $0.00 $0.00 Interest on Secured Advances (AHMSI pats rands an bshag w berrowep 50 00 $000 Late Charges $000 $682.50 Demand Fee $000 $000 Fax Fee $0.00 $000 CredR Re rt $0.00 $13 74 NorrrSuHluent Funds (NSF) (Returned Check Fees 0.00 $0.00 TOTALS $000 $12,55697 Borrower Contribution $1,273.66 Mortgage Insurance Contribution $0.00 Total Deferred Amount $000 Amount toward all at a nt due $0.00 Total Amount Capitalized 11,283.31 New Principal and Interest Payment Effective : - 51112010 $1,072.02 Montht Tax Payment - $178.35 Month/ Insurance Payment $41 00 Month) Mortgage Insurance Payment $0.00 Total Payment 51,291.37 I •• 11 your loan contains an vanable rate rosture, your Mon" pnnapal and interest paynwt is subject to change based on the terms of the Note and Mori tcabon Agreement Includes estonated amount for th/?ee? monthly escrow payment (which is subject to change) Borrower Initials here, 1S ? ziv Loan Modification Agreement Schedule A Rev 1 1 -611009 EXHIBIT F Legal Description All that certain tract or parcel of land with the improvements thereon erected situate in the Township of North Middleton, County of Cumberland, Commonwealth of Pennsylvania, known as Lot No. 12-A, as described in accordance with a Final Subdivision Plan of Middleton Estates Phase 1 By Robert G. Hartman, Jr., Registered Professional; Surveyor, revised June 23, 1989, and recorded in the Office of Recorder of Deeds in and for Cumberland County, Pennsylvania in Plan Book 58, Page 100, more particularly bounded and described as follows, to wit: Beginning at a point on the Eastern right-of-way line of Partridge Circle formerly known as Hemlock Drive) at the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive), North 35 degrees 14 minutes 08 seconds East, a distance of 37.99 feet to a point; thence by a curve to the right having a radius of 12 feet, an arc length of 17.88 feet to a point on the Southern right-of-way line of Partridge Circle; thence along the Southern righty-of-way line of Partridge Circle, South 59 degrees 24 minutes 23 seconds East a distance of 114.35 feet to a point on the Northwestern corner of Lot No. 11-A on the aforementioned Plan of Lots; thence along Lots No. 11-A and 11-B, South 35 degrees 14 minutes 08 seconds West a distance of 59.20 feet to a point on the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along Lot No. 12-B, North 54 degrees 45 minutes 52 seconds West a distance of 125 feet to a point on the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive), the place of beginning. Containing 6740.3597 square feet or 0.1547 acres. Subject to building set back lines of 25 feet from Partridge Circle (formerly known as Hemlock Drive.) Tax ID - 29-15-1252-038 For information purposes only - property also known as: 140 Partridge Cir, Carlisle, PA 17013-8701 TITLE TO SAID PREMISES IS VESTED IN Douglas B. Thompson and Carolyn D. Thompson, husband and wife, by deed from Douglas B. Thompson, dated 4/27/2001 recorded 4/27/2001 in Book 243, Page 608. On or about May 27, 2011, Borrower Douglas B. Thompson died intestate, whereby title to the Mortgaged Premises vested to Carolyn D. Thompson, solely. EXHIBIT G American Home Mortgage Servicing Inc. PO Box 9092 Temecula, CA 92589-9092 PRESORT First-Class Mail U.S. Postage and Fees Paid W SO 2253169138 20110810-156 THOMPSON CAROLYN D 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 OP001_PA AHM-01 f.7'e?pted+e?p P.O. Box 631730 a IrAng, TX 75063-1730 08/10/2011 THOMPSON CAROLYN D 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR CARLISLE, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE www.ahmsi3.com This is an official Notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseline Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, You may call the Pennsylvania Housing Finance A ency toll-free at (800) 342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACI6N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI()N OBTENGA UNA TRADUCCION IINMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): THOMPSON CAROLYN D OP001 _PA Pagel of6 2253169138 PROPERTY ADDRESS: 140 PARTRIDGE CIR CARLISLE, PA 17013 LOAN ACCT. NO.: 0023305857 ORIGINAL LENDER: American Home Mortgage Servicing, Inc CURRENT LENDER/SERVICER: Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1483 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are enttled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HA YE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. OP001_PA Page 2 of6 2253169138 AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date. NATURE OF THE DEFAULT - American Home Mortgage Servicing, Inc is currently servicing your Mortgage Loan that is secured by the property located at: 140 PARTRIDGE CIR CARLISLE, PA 17013 YOUR LOAN IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Payments from 06/01/2011: $3,912.15 Late Charge(s) (if applicable): $192.96 Other Charge(s): NSF and Advances (if applicable): $0.00 Less: Credit Balance: $0.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $4,105.11 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH $4,105.11 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check, or money order made payable and sent to: American Home Mortgage Servicing, Inc P.O. Box 660029 Dallas, TX 75266-0029 or Overnight to: American Home Mortgage Servicing, Inc 1525 S. Beltline Road Coppell, TX 75019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon vour mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the LE mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal OP001 _PA Page3 of6 2253169138 proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (301 DAY ueriod, you will not be required to nay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: American Home Mortgage Servicing, Inc Address: 1525 S Beltline Rd Coppell, TX 75019 Phone Number: (877) 304-3100 Fax Number: (866) 497-1263 Contact Person: Brandon Wirth or Michael Heath Email Address: brandon.wirth@ahmsi3.com or michael.heath@ahmsi3.com Website: www.ahmsi3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE; DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. OP00 I _PA Page4 o176 2253169138 • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. You may also contact a HUD-approved housing counseling agency toll-free at (800) 569-4287 or TDD (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSYVANIA American Home Mortgage Servicing, Inc is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty (30) days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc P.O. Box 631730 Irving, TX 75063-1730 Phone: (877) 304-3100 IN, OP001 _PA Page 5 of 6 2253169138 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of Western PA 2000 Unglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 OP001_PA Page 6 of 6 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717.334.1518 2253169138 American Home Mortgage Servicing Inc. PO Box 9092 Temecula, CA 92589-9092 h' ylii PRESORT First-Class Mail U.S. Postage and Fees Paid W SO 2253169137 20110810-156 ??IIIIIII?I?IIII?IIIIIIIII?I???IJ?????I???IIIII???I'?I??II??II?? ESTATE OF DOUGLAS B THOMPSON 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 OP001 _PA . UM, INv P.O. Box 631730 Irving, TX 75063-1730 08/10/2011 ESTATE OF DOUGLAS B THOMPSON 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR CARLISLE, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE www.ahmsi3.com This is an official Notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at (800) 342-2397. (Persons with impaired hearin342-2397. (Persons with impaired can 717) 780-1869).780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN AD.IUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. St NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HI OTECA. HOMEOWNER'S NAME(S): ESTATE OF DOUGLAS B THOMPSON OP001 _PA Pagel of6 2253169137 PROPERTY ADDRESS: 140 PARTRIDGE CIR CARLISLE, PA 17013 LOAN ACCT. NO.: 0023305857 ORIGINAL LENDER: American Home Mortgage Servicing, Inc CURRENT LENDER/SERVICER: Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are enttled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner"s Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HA YE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STA Y OF FORECLOSURE. " YOU BA YE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. OP001_PA Paget of6 2253169137 AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date. NATURE OF THE DEFAULT - American Home Mortgage Servicing, Inc is currently servicing your Mortgage Loan that is secured by the property located at: 140 PARTRIDGE CIR CARLISLE, PA 17013 YOUR LOAN IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Payments from 06/01/2011: $3,912.15 Late Charge(s) (if applicable): $192.96 Other Charge(s): NSF and Advances (if applicable): $0.00 Less: Credit Balance: $0.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $4,105.11 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH $4,105.11 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check, or money order made payable and sent to: American Home Mortgage Servicing, Inc P.O. Box 660029 Dallas, TX 75266-0029 or Overnight to: American Home Mortgage Servicing, Inc 1525 S. Beltline Road Coppell, TX 75019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uuon your mortgaged nrooerty. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the .14 mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal FAY OP001 _PA Page3 of6 2253169137 proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be reauired to nay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then vast due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: American Home Mortgage Servicing, Inc Address: 1525 S Beltline Rd Coppell, TX 75019 Phone Number: (877) 304-3100 Fax Number: (866) 497-1263 Contact Person: Brandon Wirth or Michael Heath Email Address: brandon.wirth@ahmsi3.com or michael.heath@ahmsi3.com Website: www.ahms!3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property atter the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT 'TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. OP001_PA Page4 of6 2253169137 • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. You may also contact a HUD-approved housing counseling agency toll-free at (800) 569-4287 or TDD (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSYVANIA American Home Mortgage Servicing, Inc is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty (30) days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc P.O. Box 631730 Irving, TX 75063-1730 Phone: (877) 304-3100 W OP001_PA Page 5 of 6 2253169137 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of Western PA 2000 Unglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 OP001 _PA Page 6 of 6 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717.334.1518 2253169137 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor at tai n,7cr£y tl p; App, PM Wells Fargo Bank, N.A. vs. Case Number . Carolyn D. Thompson 2012-1700 SHERIFF'S RETURN OF SERVICE 04/04/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Carolyn D. Thompson, 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 Carolyn B. Thompson. Request for service at 140 Patridge Circle, Carlisle, Pennsylvania 17013 is vacant. The Carlisle Postmaster has confirmed, Carolyn D. Thompson has moved and left no forwarding address. SHERIFF COST: $39.00 SO ANSWERS, 22 April 04, 2012 RON R ANDERSON, SHERIFF i " File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney EN 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attornevs for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 C"7 c rnw z rn CCS r> c-, COURT OF COMMON PLEAS CUMBERLAND COUNTY MARCH TERM 2012 NO. 2012-1700 Civil Plaintiff, V. CIVIL ACTION Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 Defendants. MORTAGE FORECLOSURE PRAECIPE TO REINSTATE tv N a --c ?o s? 3 1"? 1 -r rn= . r= x? r. Please reinstate the Complaint in Mortgage Foreclosure originally filed March 16, 2012 in the above-captioned matter. Katherine E. Knowlton, Esquire Dated: May ?, 2012 A II.''I5 PA Ate/ C* _N747 V EXHIBIT A .?r File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney 1D# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D Thompson 140 Partridge Circle' Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY ? TERM 2012 NO. 701 - t7 ?? e-wo CIVIL ACTION (. a C, . G:.. M ..? ;z CD MORTAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or ol?jtcddis to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY If OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. .... Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 AVISO USTED HA SIDO DEMONDADO/A EN CORTE. Si usted desea defenderse de las 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 or 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 falls 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 perdet dinero O propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO 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. Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 #l File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney 1D# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, v.. Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 COURT OF COMMON PLEAS CUMBERLAND COUNTY t6QCL'?) TERM 2012 NO. CIVIL ACTION MORTAGE FORECLOSURE Defendants. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 (the "Plaintiff'), whose address is c/o American Home Mortgage Servicing, Inc., 4875 Belfort Road, Suite 130, Jacksonville, FL 32256. 2. Defendant, Carolyn D Thompson (hereinafter referred to as "Defendant") is an adult individual and is the real owner of the property hereinafter described. Defendant, Carolyn D Thompson, resides at 140 Partridge Circle, Carlisle, PA 17013 with a mailing address at 140 Partridge Circle, Carlisle, PA 17013. Yy ` r 4. Title to real property located at 140 Partridge, Circle, Carlise, Pennsylvania 17013 ("Mortgaged Premises") was vested to Douglas B. Thompson and Carolyn D. Thompson,his wife, (herein referred to as "Borrowers") by Deed dated April 27, 2001 and recorded in the Cumberland County Recorder of Deeds on April 27, 2007 in Book 243, Page 608. On or about May 27, 2011, Borrower Douglas B. Thompson died intestate, whereby title to the Mortgaged Premises vested to Carolyn D. Thompson, solely. 5. On July 23, 2007 in consideration of a loan in the principal amount of $146,200.00, Borrower, Douglas B. Thompson, executed and delivered to H & R Block Mortgage Corporation an adjustable rate note (the "Note") with an initial interest rate at 10.90% per annum, and initial monthly payments of $1,345.52 commencing on September 1, 2007 continuing each month until the maturity date of August 1, 2037. A true and correct copy of the Note is attached hereto and made a part hereof as Exhibit "A". 6. To secure the obligations under the Note, Borrowers, Douglas B. Thompson and Carolyn D Thompson, executed and delivered to H & R Block Mortgage Corporation, a mortgage (the "Mortgage") dated July 23, 2007 and recorded on August 9, 2007 in the Recorder of Deeds in and for the County of Cumberland as Instrument # 200731221. A true and correct copy of the Mortgage is attached hereto and made a part hereof as Exhibit "B". 7. An Assignment of Mortgage from H & R Block Mortgage Corporation, a Massachusetts Corporation to Option One Mortgage Corporation was recorded April 11, 2008 in the Cumberland County Recorder of Deeds as. Instrument No.: 200811442. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "C". 8. An Assignment of Mortgage from Sand Canyon Corporation f/k/a Option One Mortgage Corporation to Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5, was recorded on January 26, 2012 in the Cumberland County Recorder of Deeds Instrument # 201202547. A true and correct copy of the Assignment of Mortgage is attached hereto and made a part hereof as Exhibit "D". 9. On April 1, 2010 Defendant Douglas B. Thompson entered into a loan modification with American Home Mortgage Servicing, Inc., loan servicer for Plaintiff, wherein the terms of the subject loan were modified. a. Pursuant to the loan modification agreement, the unpaid principle balance was $156,949.45 as of April 1, 2010. The interest on the loan was modified at a yearly rate of 6.97% beginning April 1, 2010, with monthly payments of principal and interest in the amount of $1,072.02 beginning on May 1, 2010 and continuing thereafter until principal and interest are paid in full. If on August 1, 2037, the Maturity Date, Borrower still owes amounts under the Note and Security Instrument, as amended by this agreement, Borrower will pay these amounts in full on the Maturity Date. A true and correct. copy of the Loan Modification Agreement is attached hereto and made part hereof as Exhibit "E". 10. The Mortgage secures the following real property (the "Mortgaged Premises"): 140 Partridge Circle, Carlisle, PA 17013. A copy of the legal description of the Mortgaged Premises is attached hereto and made a part hereof as Exhibit "F". 11. Defendants are in default of their obligation pursuant to the Note and Mortgage because payments of principal and interest due June 1, 2011, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 12. The following amounts are due on the Mortgage and Note: Balance of Principal $150,959.88 Accrued but Unpaid Interest from 5/1/2011-1/5/2012 ,6.97% $7,158.78 Accumulated Late Charges $514.56 Escrow Advance $344.65 Recoverable Balance $29.20 Title Search Fees $250.00 Reasonable Attorney's Fees $1,300.00 TOTAL as of January 5, 2012 $160,557.07 Plus, the following amounts accrued after January 5, 2012: Interest at the current Rate of 6.97% per annum ($28.83 per diem); late charges of 6.0% of the overdue payment of principal and interest; any amounts expended for future recoverable advances; corporate advances; taxes and insurance along with additional costs and attorney fees incurred in this foreclosure action. 13. During the course of this action, the plaintiff may be obligated to make advances for the payment of taxes, assessments, insurance premiums and necessary expenses to preserve the security, and such sums advanced under the terms of the Note and Mortgage, together with interest, will be added to the amount due on the mortgage debt and secured by the plaintiff's Mortgage. 14. The notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance program, Act 91 of 1983 has been sent to the Defendants, on August 10, 2011, via certified and regular mail, in accordance with the requirements of the Act, however, pursuant to the supplemental notice published in the Pennsylvania Bulletin, (41 Pa.B. 3943). Act 91 Notice is no longer required nor applicable to any mortgage foreclosure action filed August 27, 2011 or later. A true and correct copy of such notice is attached hereto and made a part hereof as Exhibit «G", WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 11, namely, $160,557.07 plus the following amounts accruing after January 5, 2012, to the date of judgment: (a) interest of $28.83 per diem; (b) late charges of 6.0% on any overdue payment of principal and interest per month; (c) plus interest at the legal rate allowed on judgments after the date of judgment; (d) additional attorney's fees (if any) hereafter incurred; (e) costs of suit; and (f) any amounts expended for future recoverable advances, corporate advances, taxes and insurance. PARKER McCAY P.A. Dated: ?, 13 r By: I Katherine E. Knowlton, Esquire ''"'' Attorney for Plaintiff r VERIFICATION I, Daniel Staten hereby certify that I am a Vice President of American Home Mortgage Servicing, Inc. attorney-in-fact for Plaintiff, Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5. Asa V"B °'dFor American Home Mortgage Servicing, Inc. attorney-in-fact for Plaintiff, I am authorized to make this verification on behalf of Plaintiff. I verify that the facts and statements set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief, based on review of business records during the normal course of business. This verification is made subject to the penalties of 18 Pa. C.S.§ 4904, relating to unsworn falsification to authorities. Name: Daniel Staten Title: Vice Presklwt Docket No. PMC File No. 14871-11-04655 Defendant Name: Thompson, Douglas and Carolyn Property: 140 Partridge Circle, Carlisle, PA 17013 EXHIBIT A 0 a Loan Number: 411005736 Servicing Number: 002330585-7 Date: 07/23/07 ADJUSTABLE RATE NME (LIBOR Index -Rate Caps) THIS IRAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PkINCIPAL BALANCE OP THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER 5 UNDER NO OBUGATLON TO REFINANCE THE LOAN AT THAT TDCL YOU WI1,11MB'ORB, BE REQUIRED TO MAxE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR WILL HAVE TO RIND A UMEIR. WHICH MAY BE THE LENDER YOU HAVE THIS LOAN Wit , WILLING TO LEND YOU THE MONEY. IF YOU REPI[KANCETIM LOAN AT MATURITY. YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. TIDS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. 140 pARTRID= CIR, CARLISLE, PA 17013-8701 NOTE I NOrE (PWm Address) BORROWER'S PROMISE TO PAY In term for a loan that I have received, I promise to pay U.S. $146,200-00 (this amount is called 'principal'), plus interest, to the order of the Leader. The Leader is H&R Block Mortgage Corporation, a Massachusetts Corporation I understand that the Leader may transfer this Note. The Lender or anyone who takes this Note by transfer and who Is entitled to receive payments under this Note is tailed the 'Note Holder.` 2. INTEREST' Interest will be charged on unpaid principal until the full amount of principal has been paid. Interest will be c&Wued on the basis of a 12-mouth year and a 30-day month. I will pay ioterest at a yearly rate of 10.900% . The Interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS **BALLOON NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF** (A) Time and Plano of Payments 1 will pay principal and Interest by making payments every month. 1 will make my monthly payments on the frost day of each month beginning on September 01 2007 . I will make these payments every month, in addition to a final Balloon Payment payable at Maturity as referenced in the attached Balloon Note Addendum, until I have paid all of the principal and interest and any other charges described below that I tray owe under this Note. My monthly payments will be applied to interest before principal, if, on, August 01 2037 1 still owe amounts under this Note, I will pay those amounts in full on that date, which is called the 'Maturity Date." I will matte my monthly payments at Option one mortgage Corporation P.O. BOX 92103 LOS ANGELES, CA 90009-2103 or at a different place if requited by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $1,345.52 This amount may change. (C) May Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. (D) Application of Paymcats Payments received by the Note Holder will be applied in the following order: (() prepayment charges due under this Note; (ii) amounts payable under paragraph 2 of the Security Instrument (defined below); (iii) interest due under this Note; (iv) principal due under this Note; and (v) late charges due under this Note. 4. INTEREST RATE AND MONTHLY PAYWNT CHANGES (A) Ll=gc Dates The interest rate I will pay may change on the first day of August 01 2012 and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index' is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LABOR"), as published in The Wall Stred Journal. The Mon recent Index 6grre available as of the first business day of the month lunaediately preceding the month in which the Change Date occurs is called the "Current Index." if the Index is no longer available, the Note Holder will choose a new index that is based upon comparable Information. The Note Holder will give me notice of this choice. ptn.INMVANIA ADJUSCABLE RATE BALLOON NOTE- =R INDEX - Sbgle Faarny PANT'OSl.wp (03-08-07) Pate I of } CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIGINAL i a Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 (C) Calculation of Changes * *BALLOON NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF+ Before each Change Date, the Note Holder will calculate my new Interest rate by adding six percentage pout(s) ( 6 . ooo% > to the Cumrem Index. The Note Holder will then round the result of this addition to the treat higher one-eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount win be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that 1 am expected to owe at the Change Date in fern on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of ray monthly payment. (D) Limits on hum Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 12.400% or less than 6.000% . Thereafter, my interest rate will never be increased or decreased on any single Change Date by tore than one and a halt percentage points (1.5t) from the rate of Interest I have been paying for the preceding set months. My Interest rate will never be greater than 16.900% or leas than 6.0001 (18) Effecdve Date of Lunges My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes 7be Note Holder will deliver or mail to rum a notice of any changes in my iutetest rate ad the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given. true and also the tide and telephone number of a person who will answer any question 1 tray have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at anytime before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a prepayment if I have not trade all the monthly payments due under the Note. I may make a fttil Prepayment or partial Prepayment without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that 1 owe murder this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to thou changes. **PREPAYMENT CHARGE NOTE ADDENDUM ATTACHED HERETO AND MADE A PART HEREOF** 6. LOAN CHARGES If a law, which applies to this loan and whicli sets maximum loan cbargea, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then:.(i) any tab loan cberge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (11) any arms already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by retaking a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Lae Charges for Overdue Payments if the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 6.0o0% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Debult If I do not pay the full amount of each monthly payment on the date it is du, 1 will be in default. If I am in default, the Note Holder tray require me to pay immeellately the full amount of principal which has of been paid and all interest that I owe on that amount, together with any other charges that I owe under this Note or the Security itnsuumeot, w=pt as otherwise required by applicable law, (C) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay Immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (D) Payment of Note Holder's Goats and Expenses If the Note Holder has required me to pay immediately In frill as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent of prohibited by applicable law, whether or not a lawsuit is filed. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that trust be given to the under this Note will be given by delivering it or by trailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder tender this Note will be given by mailing it by first class mail to the Note Holder at the address stated n Section 3(A) above or at a different address if 1 am given a notice of that different address. Page 2 of 3 PANI1)51.rry(03-09-(M 0 a Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23107 9. OKICIATIONS OF PERSONS UNDER THIS NOTE if more than one person signs this Now. each person is fully and personally obligated to keep all of the prwnises made in this Note, including the promise to pay the frill amount owed,' Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who taker over these obligations, b cludiag the obligadons of a guarantor, surety or endorser of this Note. is also obligated to beep all of the promises made in this Note. The Note Holder may enforce to rights under this Note against each person individually or against all of us together. This means that any one of us my be required to pay ail of the amounts owed under this Note. to. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. presentment" mesas the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. it. SBCURED NOTE In addition to the protections given to the Note Holder under this Note, a Mortgage. Deed of Trust or Security Deed (the -Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses wh[eb might result if 1 do not keep the promises that I make Io Ws Note. That Security Iaswtment describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of thou conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Leader's prior written consent. Lender may, at its option, require immediate payment in full of all suns secured by this Security hrsuumem, However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option it. (a) Borrower causes to be submitted to Lender Information required by Lender to evaluate the intended transferee as if a new loan were being trade to the transferee; and (b) Leoder reasonably determines that Lenders 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, Leader may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also requite the transferee to sign an assumption agreement that is acceptable to Lander and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless lender releases Borrower in writing. If Lender excreisa the option to require, immediate payment in M, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Itstrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instnunent without further notice or demand on Borrower, WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. tr r• ? ? r- 7 4 y)°st/ <Seal) (Sat) D?u AB. THOMPSON •aorrowcr -Borrower (Sal) -Borrower a o; (Sera)) -Borrower (Seal) -Borrower (Sal) -Borrower [Sign Original Only) FAM051.wp (03-06-0'!) P#St 3 of 3 Loan Number: 411005738 Servicing Number: 002330SOS-7 Date: 07/23/07 BALLOON NOTE ADDENDUM This means that while y= monthly This is a BAW-.OON LOAN. The tent of the loan is 40/30 years. payment amount is amortized in accordance with a 40 year loan term, the loan is payable in full in THIRTY (30) years from the date the loan is made. As a result, you will be required to repay the entire remaining principal balance, together with accrued interest, late charges, if any, and all advancements made by the lender under the terms of this loan in THIRTY (30) years from the date on which the loan is made. The lender has no obligation to refinance this loan at the end of its term Therefore, you may be required to repay the loan out of other assets you may own, or you may have to find another lender willing to refinance the loan. . Assuming this lender or another lender refinances this loan at maturity, you will probably be charged interest at market rates prevailing arthat time which may be considerably higher or lower than the interest rate paid on this loan. You may also have to pay some or all of the closing costs normally associated with the new mortgage loan even if you obtain refinancing from the same lender. n i• DOUGLAS B. THOMPSON Borrower Borrower Borrower Borrower Borrower MULTWrATE BALLOON NOTE ADDENDUM USD5641.wp (Ot•1Z 07) Page t of) • s Loan Number: 411005738 Servicing Number: 002330585-7 Date: 07/23/07 PREPAYMENT CHARGE NOTE ADDENDUM For value received, the undersigned (the "Borrower") agree(s) that the following provisions shall be incorporated into and shall be deemed to amend and supplement the Note made by the Borrower in favor of R&R Block Mortgage corporation, a Massachusetts corporation (the "bender% and dated as of even date herewith (the "Note"). To the extent that the provisions of this Prepayment Charge Note Addendum (the "Addendum) are inconsistent with the provisions of the Note, the provisions of this Addendum shall prevail over and shall supersede any such inconsistent provision on the Note Soctkm 5 of the Note is amended to read in its entirety as follows: 5. BORRO'WER'S RIGHT TO PREPAY I have tic right to make payments of principal at any time before they are due. A prepayment of all of the =4mO priucipsl is knawa as a 'Pull Prepayment." A prepayment of only part of the unpaid principal is known as a'Partlal PrepaymaL' Wbou I mains a PuIi Prepayment or Partial Prepayment. I will tell the Note Holder in writing tbat I am doiag so. If I make a Partial Prepayment, there well be n0 cbawn in the dot dates of my monthly payments unless the Note Bolder agrees in writing to those changes. If within 36 Months from the date of emocudon of the Security Instrmnew I make a Eull Prepayment or, in certain cam a Partial Prepayment, I will at site same time pay to the Now Holder a prepayment charge. The prepayment charge will be equal to six (6) mom8s' advance. interest an the amount of any prepayment that, when added to all other amounts prepaid dining the twelve (12) montL paiod immediately preceding the date of the prepayment, exceeds twenty percent ('20%) of the original principal amount of this Note. In no event will such a charge be made unless it is authorized by state or federal law. BOI7 er DOUMNS R. T MPSON 8 Borrower Date Borrower Date Borrower Date Borrower Date Borrower Date MMT6STATE PRrPAYMEW CHARM NM AMENDVM - AWWrAB E RAZE Page 1 of 1 USPI021,WP (05-0407) Loan Number: 411005738 41ervieing Number: 002330585-7 AUONGE TO NOTE (INVESTOR) This allonge makes reference to the following Note: i Borrowers: DOUGLAS B. THOMPSON Loan #: 411005738 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 LoanAmount: $146,200.00 Date: 07/23/07 Note Date: 07/23/07 i Therefore, in reference to the captioned note, the following applies: Pay to the order of: Without Recourse I Option One Mortgage Corporation A California Corporation B Fra ' e Groh Assistant Secretary Page 1 of 1 USD3050.wp (03.29-07) Loan Number: 411005738 Ikervicing Number: 002330585-7 ALLONGE TO NOTE (HRBMC) This allonge makes reference to the following Note: Borrowers: DOUGLAS B. THOMPSON Loan #: 411005738 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013-8701 LoanAmount: $146,200.00 Note Date: 07/23/07 Therefore, in reference to the captioned note, the following applies: 0 Date: 07/23/07 Pay to the order of: OPTION ONE MORTGAGE CORPORATION, A CALIFORNIA CORPORATION Without Recourse B Page I of 1 USH3151.wp (03-29-07) z?w?s EXHIBIT B PREPARED BY etiA, 6IrON • OPTION ONE MORTGAGE CORP. P.O. BOX 57076 IRYINS, CA 92619-7076 I*DPERTX ADDRESS; 1C0 PARTRIOGS CIR, CMLISLS, PA 17013.8701 Number: 411005738 NWnber: 002330505-7 Nmnbor: 15 -1252 -0038-00 00000-29 OPTION on MORP. P.O. BOX 57096 IRVINE, CA 92619-7096 (790) 790-3600 ATT9: RECORDS NANAORMENT MORTGAGE 'THEE MOLCDf3AG9 ('Secuuitytom') b given on July 23, 2007 . The mortgagor is 1s B. TROMPWN AND cAI=yff D. TNKPSON, HUSBAM AND WIFE H&B, Block Nortgage Corporation, a Massachusetts COMOM"0A w is orpsized and a hft under the laws of mmeAcausaTrs . and whose adressia 3 Suslington Woods, 2nd Floor, Burlington, MA 01803 ('Under'). owes owes Leader the prinolpal sum of ONE HUNDRED FORTY SIX THOUSAND TWO MDRED AND NO/100THe Dollars (U.S. $146,200.00 )• debt is evidenced by Borrower's ante doted the same duo as this Security bmulsom ('Note'), which provides r wooft payments, with the Aill debt, if not paid earlier, due ad payable on August 01, 2037 Sammy lnmu=mt secures to Lender. (a) the rapaymast of the debt evidenced by the Note, with mtp,ex, and renewals. eateoaioas and modilidtloms of the Note; (b) the payment of all other nuns, with interest, advanced paragraph 7 to pmtM the security of this Security lorwas ent; and (e) the paxlbmoaae of Bonvweea and ajmmmis under this Security htstmosent and the Note. For this purpm, Borrower doer hereby Want and convey w leader the following ditm* d property located In Cumberland County, Pet?Oeylvania; SS LEGAL DSSCRIPTION ATTACHED HERSt'O AM MADE A PART 711MOF ('?ttowar"). Thin Seauity tourtuoaent U given to Onlyo-"OA - Swale Pauly Nlof10 to- First When A ne ann Title Inaurance Co., Lenders Advantage 1100 Supeafor Avenue, Suite 200 Cleveland, Ohio 44114 ATTN: NATaONAL RECORDINGS PAD10011.ap(03.240) Lou NwDber: 411005738 Smiting Number: 003330585-7 Date: 07/39/07 wWch has rho address of 140 PART91D= CIR, CARLISLR , (soul. Ctrl 17013-8701 ("Property Address"): V4 code) TOOETHBR WRH tdl tits taWrovuww now or heeeaft enacted an aw property, sad all armaw% m anoea, and flame now or berafter a part of the Mpwty. All repisommOW and atklit =" do be retied by this Security Ioauumeat. All of the foregoing 1s afkaUed to is dds Smaity homwout as the BORROWER COVBNAMS that Honowa is lawfully salsed of the estate hereby conveyed stud has the At ro taottpge, put and covey the Property. and that the Proputy is asmt Osted, except for aw mb mss record. Borrower wartams aid will ddknd generally the title to the Pmpetty against all dalma tad dattaudg, Owl to say eawabrie toes of record. CDVBNANTS. Borrower and I rods coveam sod rgcoe as bum. 1. Payment of Pthrdpal ad babel) Yarepej , Mad bats CbwpL Betrvwer shall promptly pay when e the principal of and btered on the debt evidenced by the Note and say pmp Wn m and late 1*wgea due under Now. 2, Itnda for Twma and Iiaenuooe. Subject to a"Ucabie law or to s written waiver by Linder, Borower all pity to Leader on the day movably payments are duo nailer the Note, and the Note is paid is full, a aims 9tmdt') for. (a) YWY taxes and assns minis wbdch may aft pd%* over this Sepulty iamttmmt as a Her the Property: (b) yea4y Wtftld psyavevts or p mdno an the Peop". if goy: (O) yeerly hared or property atranoc paCsoMM. (40 Yearly flood imatrsmce psmdum. )f any: (e) yatdy martgargo is MMW prowums, if any: Al (f) any gams payable by Borrower to Imler, is acoordaaos with the paov)sioas of psragrspb 8, in lice of the ymeert of mortgage tseusanos prtmittmg. lbw itmaa are called %=M Itarvs.' Lmdex m y at any tune. collect d hold Ennuis in an stnoemt sot W estaod themndmLnLV ttteobnt a leader for a faderagy tNaeed mortgage loan tngy quire iDrBmiawees escrow account under the ibdaal Pica Estate seam m" Ptocedures Act of I974 as amended pat Limo to tints. 17 U.S.C. Section 2601 at aoq. (IRMA"), unless another law due applies to the Panda acts lease amoud. If so, Lea ft zmy, at any rime, collect and hold %aaa In an smmtat not to exceed the laser mast. Leader may anhom the anotmt of Funds due an tie basis of correct due trod reasonable estimates of pasditnres of ihtmo BscsOw R= or otherwise is awordaoa whb appliable law. The Foods dO be held in an isstiartionwboae deposits ere foamed by a felon( agetscy, Imm oavulity, entity (tacludiog Lader. U Larder is such an tuttratioN at it any Federal Holm Lost Beak. Teach shall only e Foals to pay the Escrow IN= Lender may not drags Harrower for bolding std applying the Feeds, annually alysiag the escrow aoaonut, or verWing the Escrow Items. UNeas Lender pays Boamwer Intoteat on the P=ds d applicable law permits Lender to male rich a Merge. However. Ianda may requite Borrower to pay a wItim charge for m ladepeodeot real cote tax repotting service used by Lariat in comectlea with this two, ens applicable law provides otherwise. Unless an sgrem m is roads or gppilog* law requires iotetat Lo be . Lodes shall not be required to pay Borrower a" )moult or arndngt on the pubis. Borrower sad Letdaf Y agree in writing. however, that interest shall be paid an the Fonda. Ueda shill give to Borrower, without ge, m aanaal actatmNng of the Funds. showb* credits and debits to the FuvA and the purpose for whieb each it to the Runk was made. The Pands am vlalgap,u addiflo al awg ity for all aunt secured by alts Sexutity Df 10 PApI00L2.Wp{07da-051 Lgau Nmaber: 4 110 0 57 3 8 Serviting Number: 002330585.7 Date; 07/23/07 If the Funds held by leader eaAeed the a namo p =A ted to be held by sppUable law, Lender ball to Borrower for the awes Funds in wooadsace with the requirements of applic" law. If the amamt of th Funds held by Leader at say clone is ant sWffdrot to pay the Escrow Rags wbm dust. Loader my so notify in wdting, sea in such ease Borrower shall pay to I ceder the maws nectuM to malts up the Barrows shell male op the deficiency In no tram thm twelve ea ** payments, at Imader's sole Upon paymuu to fall of all room s mmd by this Swjzity Inmamen4 Leader ,hap prmgdy refund to =war any Panda held by Leader. If, uader.pusg aph 21, Leader shall acquire or sell the property. Lender. or to the acgmMom or sale of the property, shall apply may Rinds held by lender at the time of aoqulaidou or e as a at & against the scra - me red by this Seaaicy hortunaat, 3. Appliomdn of 1Pssaaas" Unless spplimble kw provides ote wise, all payments received by Leader a der pwsgtnphs 1 ad 2 recall be applied: first. to my pnpaymmt dmM due order the Note; wooed, to amoums p able under pasarapb 2; thbd, m Interest due; fawtth. to principal. due; and let, to say fate charge due under Note. 4. L7myes,; Urn Harrower shall pq all throe, auas®mn, cbsrga. (fees and Impositions aanibonbfe t the Propstp which may imfm priority over tbfa Seoaft Iustrna unt. at hared payments or pound rmu. if my. Borrower sbal; pry tbne obUpdm in the ammer provided is paragraph 2, or Vim pdd is mat monad, drawer dum pay thane on time dIm* to the persam owed paym®d. borrnarar Amll promptly Atrofth to I adder aaiaa of mrommts to be pdd under this p mVsph. Lf Basower makes three payments thready, Borrower duo P) y flaratdn to I,eoder seoeipts avfdaeroiag the payMeM. Borrower shall promptly discharge my Um whlcb bas priority over this Security Insarmswt adem (a) Wm In writing to the paymmrt of to obligation secured by the Jim in a raaasar maceptsble to ; (b) ooomm in good faith the Um by, or defends splast eMore mmt of the ilea in, legal proeadiap which tha Ldmder'a opinion operate to prevent the enforcement of the flea; or (e) mum fiom the holder of the Use agrccmmt sathfacomy to Lender wbormastlag the Ilea to this Smorky Imaument. If Leader dwitannes that any p of the Pro" is sutljem to a lien which may attdu priority over dlls Samutry lasrumam, Leader may give nowar a notice Ideas *lug the lira. Borrower sbalt satisfy the Tian or taks (me or wort of the wilons; set forth a witbbt 10 days of ma gmtog of notim. 3. Hsatd or paopatty bosmamoe. Borower shall keep the impm emeatt now existing or hmafter aettod o the lkaptaty imused attmisst loss by Ore. baards inefuded within the teat "amodod coverage" and my dither h urds, toclading Goods or flooding. for which Loa4Rt oquirm Immum. This tom man shall be mrintaioed in tit amounts and for the periods that Letvks requme. The iamrsoce tamer provhUngthe icatrmum" be chorea b Borrower subjoct to L=KWs approval whicb 66 not be morsaombly witlAdd. If Borower Ms to mdataia wage dkmlxd above, Lender may, stlLeader'c gpdoe, obtain oovemge to protract Lender's tights in the perty. in accordance wldt pmagroph 7. All insomm policies and renewals shall be aoeeptable to Leander and shall Include a standard mortgage cl . Leader shall have the right to hold the pounces and renewals. If Lander mp*m, Borrows shell ptompdy a to Latest all teocipts of paid prearitmu ad tmewal notices. In the avow of Ion, Borrower shill give protvt to the imttmoe caviar mad i and? . Lepder may mike proof of loss if not nude phouptly by Borrower. Uulen Leader nod Borrower odwtwln sgtea is wA ft, or mWicable Law odke wise requites, maormce pi xuds shall be applied first torelmbum Lender for cotta and aotpemes incurred in oamection wiQt obtatndog my instn precaeO. and them, at Leader's option, In ouch order had proportion as leader may detatmiaa in i sole and abaoMtetliout ton, and rogardlaa of say bapairaxnt of ndgaity or lads thereof: (t) to the awe.swine b this Saarity kmt ramtmtt, whether or not tbea due, cad to such components thereof so Leader may decormim in i sole ad absolute disondou; and/or (fl.) to Borrower to pay the costs and expenses of necesaary repairs or +3 of 10 FAD10013.wp(03.24.05) I Losu Number: 4110 05 7 3 8 Servicing Number: 002330585-7 Date: 07/23/07 rMoratioo of the Property to a condition satisfactory to Leader. If Borrower abandons the Property, or does not stirivar wtft 30 days a notice tom Leader that the ill woe aakr Las offered to settle s chino. LAW" May the itmuraaee pnotxtds. Lauder may, In its sale ad absolute ditetstion, std regard ass of wy impaitroamf o security or Iadr thereof, use the ptooseds to repair or MM the property or to pay the tom secured by this Immumwt, wbodw or not Wan do. 'Oe 30-&y period will begin when the Motu Is #m- Man Leader and Bonrower otherwise a=rse to writing, any spoication of psocexls to principal 69 not or postpone rho due due of do monthly payments mfarad to in pasgtrpb 1 and 2 or cbsnge We amount 11pay" payments. N under par "It 21 the Property Is acquired by Lazier, Borrower's right to urY Wavanee ad pmoeeds ranting tom damp to the Property prior to the acgWdito shall pass to i ento the of the auras acc used by ibis &mft Ioetromeot immediately prior to tie aoga rift. If Borrower obt It s earthgwke bnlmsmce, a w other bated btusma, or any of er to mtremte au the ty ad audt inareoce is not opeoiitaUy requited by Lender. then such ltut erica shall (f) nenm Lauder a thompuler, and (0) be W act to the provk1as.of We paragraph 5. 6.0coapsoos, ltldasaunae rat psotectlcnl of tin PAVvely; Hosmwa(s Lam Appdiation; . Borrower acknowledges that the Iwoder does not dean to mare a I= a Borrower secured by *b p our We to ma contained la ibe Note unless the property Is to be occupied by Borrower a Borrowes /seooaday middenre. Leader makes nonowaer resideaor loans of dlflfrtmt tarn. Borrower promises and Leader that Borrower Intends to occupy this prop" a: Borrower's primarylaacoodary sesidwee end that will so occupy rids property as Lis solo prlmszylsecondary raeddaa0e within runty (60) days miter Ow duo o the Security Instrument. If Borrower breaches this promise to oocgy riot property as Borrowe'a p fmcmdary raidece, then I adder may Wake my of the following remedies, In addition to the ramedla p Ided in the Security laftumact; (1) Declare all amens secured by the Swatity Iosmumamt die and payable and f the Stauity laproment. (2) Decrease the term of the loan and adjurt the mastbly psymaou under the Note y, Wmaae the tn? sale and adjust the mouldy paymeatt under lfte Now accordingly, or (3) require tirapriocipal balaoea be Waited to a pat mbv of either the original purchase price or the appraised value than offered on wwownec oeatpfad loam. Borrower dual not desnoy. damage or impair the Property, allow the Property to deteriorate, or commit w on go property. Harrower shall be im defmmlt If any forfeituro aedon or pmoeediss, whether civil or critotual, i$ bcacm that In Lender's good fifth Judgment could result in forfeiture, of the Peopaty or otherwise muwWly stir lift ereeted by this Security Iattument or Leader's somatty imttrest. 8ottower may cote mob a defadt toinstaQ as provided In pangnplt 18. by catuing the action or proceeding to be dismissed with a nding dun. in I tader'a good faith de Makation, precludes lbrfeimse of the borrower's interest in the Property or other impairmeat of the lien arcuated by thin security Iarwntant or Leader's security interact. Borrower rich also b is 4oWt if Borrower, doff the loan application prooat, gave materially hue or inaccurate information or euoeats to 1-d- (or failed to provide Leader with any material intormadon) in connection with ft loss by the Note. inclad(og, but not, limited to, representation oenceroiog Borrower's occupancy of the as a principal residence. If this Security lusetenent is on a lessabold, Borrower" comply with au the p aloes of the lase. UBonower ampises fee We to the Property, the latehold and the ft title shall not merge em Laadar agrnss to the merges in wrifhl$. Borrower OW. a Borrower's own mW me, appear in, and defesd any action or proowAq purporting to tbo Pmpacy or my portico thereof or Bortoweev title thereto, the validity or priority of the lieu crated by a Secoft Instrument, or do rights or powers of Under with respect to this Security tomwaent or the property. A autos of action of Bonower, whether accrued before or after the date of *4 Security Instrimm, for damage Wray to the Property or any part thereof, of in oogne Lien wild my 1 auction financed in wbole or in part by th, proceeds of the Noce or any oiber note spa edw4y _9hie Security Instrument, by Lender, or in c mecdon with o atrtbaft the Property or any part thereof y(aebldip&t:ausa of action arising in fore or coaaracu• and causes of 1+4 art 10 PAD10014.wpp3.24.03) Loon number! 4110 0 5 7 3 8 Servicing Number, 002330585-7 Date. 07/23/07 for fraud or oononloreat of a mere tfal fact, me, a Larder's option, Oft3ed to Lender, red the proceeds action shall be pall dheohy to I ender who, ew detb clog *Mfi m all Its expenses, inch un g reasonable 'tees, may apply ouch proceeds to the am werued by this SeoarltY hwument onto any deficiency under 9eauity Imuumaat or may release any morales so rendered by it or ma' part Oersof, as Lender moor meat. may, a in opdw, appear in and pmaeeme to its own sense any aetloa at proceeding to emfome soy a m& Of actiaat Vol may Bob say ooagromin or satdamaa dwoof. Bmrower apron to Mutate sock farther and. aay odwindroments as from time to time may be necessary to dbdaate the fbargmuas provision a Lender shall mgoesL 7. Pteres4rtmedLeada'aRightafutf?epoopa{y. IfIiotaower thilswperform the oovtmtau aad?peemeou .1nawd W ties Se odq Lnsnnereat. Oc than b . h8d promeedtrg that mty slpSifiaaosly aftbea Lender'a ruts in ptopmty (rah as a ptooee ft in baadoptay, pwbste, for ooedmoeadw or forfaitma or to aadctor laws or hoes), then Larder may do and pay for whatever is seoessa ry to protect the exec of the Propety and er's rights in the Property. Leader's actions may include payWg any sums aerated by a ties w" hu paimity ov this saauigy Lasuummt, eppeuia6 OMNI. ImYWt reeaead3lo saomrya' Len and asttaiag on to Property 10 a nyaira. AUhowo Under snq/ tabs anion under this pma`wp4 7, Leoda doer not bxm to do so. Any amounts diftriedby L order under ebb psrsgrsph 7"laa mane additioed debt of Botzowar secured by this Sacmrity innrnrnert. Unless Bottom and Lender agree to other teem of pspmeat, then amounts shell bear um eivei 8om the date of disbursement at the Note rate in adl'ect foram time to *w sad dull be payable. with epos notice 4om Lander to Harrower wqw titrg payinew. S. bRgww bmmarss If Londe required massage ieausanoe as a twnditioa of makbg the loon seared ttbe mity Inanaeaerd, Hotemwer ahstl pay do ptewha ss required to mawkin the mortgage to HOM W effect. reaon, the magW Insurance cowuage wquhW by Leatepee or cases ten be in effect. Borrower the premiums regWxd to obWa omrorage substantially egatvaleat to the mtor%W lmmence pwAoudy x a cost subsanwy egaivden to the cost to Borrower of the musigagr wrorwe ptevlomlY in of m, ttenwe mort8ade approved by LRUder. U ouUntiat? aquivsieut tonpge inuuaau wvatahe "O' Borrower sall pay to Lander eadt moth a tam equal to one-twai8h of the yearly m ngage premlmn being paid by Borrow whoa the insurance eaverepe lapsed or ceased to be In effect. lt, uus end Lenin Uwae payu a Un room is lie of mort?e insurance. Lou racm payment ager ba required: at the of Lender, if monsage isaradoe Coverage (in the tmmom a d for the at Lender tegmha) provided by So insures approved by Iagain become availSble and L obtained. shall pay the pI wpired t o t1al-lm mortgage burawA in offer, or to pmvide a lore reserve, agWnment fu mortgage bnn= ends in areosdmtce with arty writes agreement between Borrower and r spplic" law, 9. bepecew 1 EOder or its agent may make reasonable entries upon sod inspections of the Property. shall give Borrower notice it the tams of or prior to n inpeedon spedtying reasonable sure for the U. 10.Ocodmmaims. The ptooaeds of sty awardorclaimfordamtges, dhect oreomequanw, iD oonaecdon .may coaderowdon a other taking of any put of the Pmpaty, or for conveyance in lira of condemnation, an by ataigned and shag be pain to Linder. Lender may apply, use or ralesae Oho comdmmahan prom de in the manner is provided 61 parsirsph 3 bereef with sot to immtence prooeede. If the PmpuW Is abandoned by Borrower, or If, dw notice by Lueders to Borrower that the oondemmor of ?n to make an award or settle a daim for damages, Dom war fills to respond to I ender within 30 dryer after tb daft the twice is given, I.eodat is authorized to collect and Wky the proceeds. at its option, altha to restoration repair of the Property or to the wane Secured by this Swority hsmoment, whadser or ant Theo due. Unless Lender and Borrower othawfae agree in writing. any gMlo tion of pw*cada to peacipai shall not rx? tld or postponer the due date of the monthly payments x2ttad to in paragraphs l and 2 or change the annum o wen payments. P+3 of 10 PAD10013.wpo3-74-05) L410 NOmba.' 411 0 05 7 3 8 Seivkia& NUngW: 002330585-7 Date: 07/23/07 11. Boavwet; Not Released; ft 1 ' -anee By Lander Not a Wsbw. bodesslcO Of the time tot PAYmm Or "ficadoa of amOt judom of the stu mt scoured by this Security bommo tt ported by Lettda to any sum=W iaihleenit Of 1?Orr0wK than 710t Oparaae a Ideade tba liabakY Ot I110 0? BotrOtaeo: OL BOII'Ower'a saooerrora m" Lmdw dM not be required to eaa®eoco Qroeeedinge agalm sny wCCWOr in mtetat or refute to done tat payment orotharadse modl?y imotdtpdon0tte wean Atttxlrad by Win Secuity Indtrmaun by rssaoa troy dom wd made by tits original Borrower or Bbaowa's anm=m m h,,, . Any' tbtbm8m b7 Leader iakeoteraisiag sett' rigor at t eusedy 1681 not be • waiver Ot ar proctads tits exaelaa of my right or remedy. 12 9srn adass sodAdytts Bond; 7aiot anti 9eseaal !: Coaipr+s. The oovesats and apmena m this amenity htetttmsst drab bind rased 6ettat the ancesssors and sdslgps of i andar and Bonita, subject to the of paragraph 17. HonOrrar's Oavamr[d fad Th#11 be jams and mvaral. Any Borrower who igas this 3awrigi bostramaos bat don tat a:aeaue tare Note: (a) ss co si`amg th4 SewritY but ument oady to gnaw anti coave9 dyer bosrtrarr's hece"" in Ilan Property notion the tonne of this security Irtdauuamt; (b is not penonaap obligated to pay tits same secured by toss 3avrlty Insauaoear, sod (c) PV= that Leads sad WOW Borrower my ague to tasmrd, modify, forbear or make any A0001LdaDdatieM with regatd to the term o this Seem* Instrument or the Note without tier Bonrowa's cansea[. ' 13. Loon Ckagps. If the loan secured by this Sonority ksmment is object to a law whirr cum tnaxmarm b dsrgss. and 69 law is fWAlr iatasp[etad so that tits 5aterras or Other loan ehargsa 06116010d Or to be 0011ee1e4 in ssMSeotiom with the im elmea I the pe?heed limits. then: (A) may ouch loan cbW shall be reduced by the aetxeassy to reduce at matga to the pamshted 1Lait; sod (b) my trams Already collected from Borrower w eaoestlal peaaduedlimitsvvlil be totlmded to Borrower. Carter may choose to make this rehmd by taducia8 rtisctpal owed under the Note or by m4 ft a dins paymmt to Borrower. N s refund refaces principal, the reduction w)llbe treated ar a partial pnepaymem without any prryaymmt cb?t[ge under the Note. 14. Notices. Any notice to Borrower provided for In 09 Security Tmraumeot shall be given by delivering it r by trilling it by are[ class mail uNen appliablo kw rognires use of moths method. The notice aball be di aW a the Psoparty Addnat at any odta address Borrow designates by notice to Leader. Any notice to der Shall be given by gm else no to Loada'a addtas stated hswtdn or Any other ad&m Lmdar desigmtes notice to Bomowtr. Any notice provided for Its ibis Security Instrument shall be deeooed to have been given to s =am or Leader whet give as provided in this passmI . 15. Ga miag I=; Ss""Ity. MA; Smu ty Wu madnt shall be governed by federal Law and the law 04 the jurisdiction in whim the Property b located. In the event that may provision or dense of this Swaity or the Note conaicts with applicable law, such conflict shall tat Affect other provisions of this Security t or the Note whirl can be givem tdmt WWW the conflicting provision. To this cad the provisiOas of s security Tutrameot and the Note are declared to be twverable. 16. Bomoaees Can. Borrower shall be. given we conformed copy of the Note and of this Security 1t7. Tlaoa d-W of the P[opesg err a BOmarlal lotaest is Bcaower. It all or say part of the Property or any in in it Is acid or transferred (or u a bmeflcW intf{egt in Borrower in sold or transfand and borrower is not a hanural peraoa) without Lender's prior wdtteb,;cegot. Leader may, at its option, require immediate payment in of all mm secured by this Security kno-eq pwevar. 9.1s option " not be exa cised by Lender if Lae is probibbed by fadad few As of tk ekdste OftfTtia Security iamursaat. if Leader exerciea this option. Linder shall give Borrower notice of acceleration. The notice shall provide a *W of oot less 2m 30 days hem the dace Me notice is delivered or mailed within which Borrower must pay all aunts semvd by this Security bee m?eat. if borrower bW to pay those mm prior to the expbWoa of this p*w, Ltmder may invoke any ramedies paradmed by this Security lasawxat without barber notice or demand on Borrower. pals 6 of 30 PAD10016.wp(OS•74-05) Lb=Nunber: 4110 0 5 73 8 Servicing Nnmbet: 002330585-7 Due: 07/23/07 1g. Honom'e RW to BdwML If Borrower meets certain oonditioa, Borrower "hive the tight to here NAMOOMA of tbb swwity hrafraomeot diae00dnnRd nam?y tbw prior to the eadiar of, (a) 5 Up (or sneb other pedud at eppifwirle law may, VOWY ibr relortatsmeot) before tale of the PeWW pmrarmt OW POWK Of sale contaked In This Security Iustmumrat; or (b) entry of a Judgment aalbeft ft Setamhy Inshunat. Tbow Opadltloaa era that Borrower: (s) Lander aB areas wblch than world be due rods t h Smahy lowu ant wad the Now a i(ao aoculato w had aaurod• (b) cares a w ddx* of my orbs cavensou at aireaoamtac (e) pays all uptmaea btamted bs mforci ag 61s Swztty lawmwent, including, but act Bmtted b, rasomble ancracys' fans; ad (d) takes each aadoat at Larder n* reasonably mgdw to Pearce that the lien of tab Security htmuarant, 1./mdar's dghat lathe Peoperty ad borrower's obligation u) py tae Patna aarumd by this Swority ba>ontn®t" ymdusupd. Upon raiuatatem w by Borrows, lbb 9eaactty b 8 nrmas sad the ttbligatitran Swul d haaby j oeouin A* dbC&e as UM acceleration had ooauied. However, ft 60t to *Wm ah131 out apply is the case of awderation order paragraph 17. 19. Sate of Now, aMW of low Swim. The Now or a partial iotmat is the Note (together wlth dais 34cudty batttama4 may be sold one or mere tlma without prior oudetto Borrower. A sale tray result in a change Lum ScrT Wtba r3w d at p" be we at mom chow of the Low Swdw wMad to ands of the Now. If 6m is a abasge ottha Lea 8ervloeg Borsuwar will Oe glues wrtttaoaotioe of the aabroge in aooordeocs with parepaph above and appldable 4w. The aw6oe will state the came red tddr ens of the new Low SatvIos and ells dtosa tp wbic? paiymanrt be maela he eotiea aUl aaa ooarau way other bafotasdioa torpfrod by applicable law. The holds of the Note surd Ibis Seaaity (etmemaat shall be dmtred tb be the laoda Daeeadm. 2D. 8>etmdoata 8tdstatw. Borrower shall mt wawa or permit the presence. uu, disposal, SOW. or reuse of say Hawndous Subgwees oa a In the p?vverty. Bomvwes aadt cwt do. noz allow wpm dw to do, an Pf9aiog the Ptuparty that b la violation of wary r4ommental Iaw. 7ta? two saotenoa` shall to the paaace, ere. or storage an tb property of MAO gaathtes of Mdantxs dw an Y reoogoiteAd to be tppmptiaw to mmnd Ica deatdal uses and to mainvowe of she property. Bomwer dkd promptly give leader wdttm notice of any ioveatiSum, clam, demand, lew+uit or other by aqy gore r>,meatal or togeluory agtacY or privar party iaovoly' the Aopany and any Ha udoos or 8tndronmeaW I?w of which Bamwer 6ru actual Imowledgo. If 8orsows learnt, or Is notified by gevarmmamutl or n;uWpty aatbaity. ttut anY rearovd err ethos teimedistlon of my Hmrdm Sd omsx the propaaty b veaxswy, Borrower shall promptly talro all oeeasuy tesaedla actions in accordance wib rilcvhonmmhd Caw. B.otrtlo?vree aha116o noddy tetpoasibk lot. shell indermnifY, defend sad iroid hvmlma Leader. its diteetota, r•T^yenr ateomrys; agents. cad their rPaperuVe DOOCafOra elld aatlgns. fluor ad ajalnd any and sU tiattnas dt, eduuet Of attgaoa, foe. dmnage, coat (including actual auotmeya•'Ara and oast oats and oft of or troxlaary my* deaw or d<fOxlt?Cfoa of the Pmpaty ad t o pteparatioo and bxplemaata lou Orogaiwdoloaere, saarement, tacntaumrsoa, reaaodld or odw (toq%*W plan). upeaees and Usibi ity dhu* or y arising out of or atttibetable to (a) soN `urse.?,. ^prne radoo, storage, miew, thrateaed Meaae, & rbwp, digfwd, abst mtent or presence of Hum*ua Submsces on, under or about rho Pmpetty, (b) the aampod m or fgaar the Propeaty of any HPmudnua 3ulatwoes, (c) the violation of any Hatardons &tbatattca law, ad (d) any Haxerdous Sabdances claims. As used in this pareg?h 20, "Hautdws Subetaow are those substances de&od as toxic or hazardous substances by Ravlronmgtyy?l I aw ward the foam log gubeaooce: gawllae, lamoew, other flannutble or torte plauleumprodnctt. roa3epaaticWaareel hert>icida. volarUesolveats, mareriaa ooataudmgubestoscrfomaidehytk, a?td tadtoatnlve tuataidt. Ai used in this paragraph 20, "Idavlronmmtsl Law" mans fedaxal laws and taws of dm jdrbdictiea where ffie 7ropesty is located slat telau to health, safely or aariroumenul proteGioa- ADDIiIONAL YSNANTS.13arower and Laufer Anther Wveosnt rod agree as follows: y 2;n.oelaestion; Ysrtedies If asq blullmea¢ tmda ahda Nary err note warmed realty b rot paid wbao dvdaor itsotroaaw atnaltibeciadebthnrdar atyffaoeidaaofttib Saaah7 finenat. a dHaeoeaar isiade?rtt sbtl agotue braest mtseoaes s as ago bbecOOMM ?aessya?d p ar v?pRiun of tm?da w prior notice. e#oept as *MuwW reguked by applicable law, and tegrndku of Nag 1 of 10 PAD00017..q (0""5) Lban Number: 411005738 Servicing Number: 002330SOS-7 DM 07/23/07 fed' pafar ibsbeatamoa. In tttaL a+'aut. bender. ? ate option. acid abject to appfiwbht law, rap ? or thetadlea tttroWft potter of sale am&w sat other tnaaedla nor tab stt? ether acttomt pamtlped bt law. dander .91 melleot all atepemes iamead fbpataoltt; tbs oaoodiet dfnaibtd fpihdt al, iath4g. but aetumipd oq sesaoaaw atmmett' flies sad woof dtls aWOM. 2L lllelsase. Upon pup=" of ear arms sommil by Shia Security ImsWmmt, Lender sba8 release this property without warranty to tit person or paaoos legacy entitled w it. Such psraom at P1134011 Shall pay soy recordatoa etrw. feeder may charge such paws or petamms a fee for releasing d?t Roperty for tervioos reached if the char" of the the is paritted under applicsbb ben, 23. W*AM Down w, to the eatttmt patrittsedby Vpllaablt law. waiver and treleates any error or detach iti prooeadiaga to entice chit Seaaity bsmmrwt, sod banty waives the benefit Of say present or chart is" d ag for nay of t>;ec?'a, e-asioa or that, erempdam from aaschmeat, levy sad ad*, >Ad boasestead its X42,{. um motesstptlatted. Borrower's time to relaam provided in psrrgrripb is shell extend to one boor pdor to the wM ancensw of btddmg at a she % sale or other ads pnmint to this SWIft bsb mend. 25. Idht An bjgM bhp. U any of ft debt sectaed by this SaaaiW taaattataat If lard to Borrower to acgahe tie* to the hop". this Seetatty Ioatrament dM be a ymcb st money mtrrtptge. 26. hunaRMAlDts hdgriom BtlrrOwer agrees that the interest ram payahla den s judgoamt h entered out the Nom or in as action of nartgage faaclosara thrill heft rate pay" item dam le dmo leaderthe Now. 27.6danapansafaetoasodNoadiadoaiav. Barronsar Ln arils aacu6s wriaea taptet0at W oas rmd disolotu:a in order to dachas I end to mdm the toad evW=ccd by the Note or now which this Security bstremstet secures. srjd in the event tbat Borrower has made any materld m[aepe on or DW to diw ae any malarial fact, L. oder, at its option and without prior notice at deand, shall haw die right in declare the indebtedness sea-ad by this Security Instrument, irrespective of the maturity date speai led in the Note or mew segued by this Secarky k1stmment. immodist ty due end payable. 28. Time is of ibt Btsince. Throe is of the essamoe In the performance of each provision of this Swality Instillment. 29. Wdm of SpmOe of U ndoidow. The pleading of ft cranes of UAW= u a dermas to enlbrcemwt of this Security histrnntmt, or any and all obligstioaretared to herein or secsmd busby, is busby waived to the [Wiest cam, permitted by applicable law. 30. Madi& lion. Us Security Inowar »t may be modified as amended oily by an agt eesn at in witting signed by Botsower %A Lander. 31. Rdrrlbarmime t. To the extent permlaed by spplicably law, Borrower ahdl reimburse Tlwtm and Lender for my and all cusp, teas and vVesses. which slither may tocta, expand or sustain iu the execution of the taut crested heramder or is the pedominco of any asst required or pamitted baamder or by law or In equity or otherwise ariabig.oat of or in eamaactiou with this Security is truss t, the Note. may other note secured by this Smirity Inatome nt or any other Instrument execinod by Ducrower In ovasectios with the Note or Security Lisaumew. To the extent ps a*W by applicably low, Borrower shall perry to Trustee and fader ibeir fees in ogmmealoa with Trustee sad leader Indudlpg, but not limited to awwopdoo applic aon fim. fees for payoff • aaatoaaitdog and trarnpordng Dopler of loan doeumemp, drimm?de and, eta Ments of loan bda= Nips for- p*w verifications. fall or partial dim releases and giber doo m arts segawted by borrower or necessary for performance of Leader's rights or duties under this $-'-dtY lwgtrroast; I= artaing f nt a retuned or dishonored cback: Ibex Id determine whether the Pmp@M is ocaipied, protected, maiandned or insured or Belated purposes; appedW fees, htppection fen, legal fees. bwker fees, insurance Wk-taim subst u Ms. repair vVema, fomblesltre foe red cents arising from fomclomrs of the Propeny and protection of tha security for this Security laaument; and all other Pare 6 of 10 P' lODl$.ayt03-240A Lra1= Number: 411005738 Servicing Numba: 002330585-7 Date: 07/23/07 fen sod coat= of a sk*u =lure stet Oft twLe ptabib W by law. Raxoltted by sppUcable law, l3Otromr ftU pay to Lodes thdr fees 1n eomecdon wldt Lauder provtdmg dtrcusoaats Or savior= stiaia9 oatof or in 0omled m with tbls Setmrity bwu=meot, 16a NOW my other none waned by this Sarusity htssttttolent m my other brsRUmsnt eamcuted by HoaoWw iii mumcdon wa the Now or Secor p btstrttsreat. 3100" OM. fa So seat Lauder a st7 thus diaooM that rite Nate, say other note scatted by ihla Sesaniry InswwVAt, the SeMAW lttstrommt, or srq omer docoomixt or hutrmtttoe axeauoed in 002"Odw with the Saauity Insttommt, Note Or notes cousins m am as was c==ued by a clamsl =10111b. cdoulrtim Oros, wmpuwmditroctm=, pek tf army or sEmdlssr cant, Botrowsr spree, %mo notlm from Lmder, to m-aatsow my docurmis thu ate necasemY to p 0' ,t any such Oroe(s). Baaowsr feather @&go that ladder will tat bs 1hMe 0,100a0wer for my duMp imatt vd by burrower the tms directly or iOommy cassod by to nd atmr. 33. LastSaoko,Deseto7edoelQodlased9eoail?LorOnmeutnA016erpot?om.Intboevemcoftheloa. theft or deMutlon of So Note, arty other nova seemed by this Sm ty bmtromm U tiro Setsudty httarttmsst Of my other docamaow or fasdtttmsau sxeeoad in oomectmn with ft Saa?ti<Y hostt nmw, Noe or Doter (cOUectivdy, the 'Loan Doc+womu"), vpm Bmtower'a v-ipt of n mde®igesdoo mooted in favor of Borrower by Leader. or. in the cvoot of ft tttudtadm of my of wa Loes Doeuooaau, upon Lande<'s aow* to Somwer of the adttilded Lou Doaummt. Borrower chaff emu* sod deliver to Ixmder a Lose Doo=m in fOtm and ceetest idtstdinl to. ad W serve w a replsttzmmt of, the lost, stol=e, destroyed, or sstdUW Lose docosaeat, sad such rejslssosostat ttsdf bave tfte an=ew forcer smd dkct sa the lost. stoke. dosasopd, Of mwa a LM Ooauonmte, and mby be ttrsaad for aU p upeoaa aft odgiod copy of such Lola Dorm m. $4. Am Wm= of Rrses. As stdditloastl seutrltY hcsssnnder, Bww- bNOW m *u to Lender the terns of the Ptopaty. Botsovw shill have the right to 0011ect sad realn tlae te=as of the WWOty AS %q beoomc due atd payable pmvlded Ltroder bu not axegebo i4 rights to require mmtedlste pryraent i= flit of the sums wcwmd by this Sevx* ittsrsomeat sod Borrow ltaa Der sbwAQl ed llte Ptepmy- 31. Riders to this ISc Ali 40000M. If 00 er more Asia= sm txwzted by Botruwcr and recorded mgetha with this SecarBy lnstnoroeat, the Bova tim cad sprosmants of each such rider SIM be b+cotp0tated into and sh&U s=end and atpplemeet the oovemnss and sgttt axients of this Saanlity Inanamwt as if the ndc*) woe a pat of dlis so=* lubument. Ed -k appliabie box(es)) Adjustable Rasa Rider ? Coodominitm Rider ? 1-0 Ba=dly Rider No Peapaymmt PeWty Option Rider Q Phsmed Unit Developmest Rider Ommpmwy Rider Q Olbws) (gmify) ® Balloon Rider P=as 9 of 10 MlOO19.wp (03•?64m L.ban plumber. 411005738 Servicing Number. 002330585-7 Date: 07/13/07 BY SIONNG BBLAW, Bormww aocepts sad agtaea to the ascots sad eovt NO Donuioai iG this Seondty Lostnr=W ad is say rider(s) auuued by Bortewa and recorded with it. wimasee: taed> .llono.a " -l S 8 - TI BON .80n9wer tsnen •Bonover ts«u •8mrowa ?a cnxOL t)_ TMWSON f -Bonowa ??wl •Haroaa Caetld6eatoofBoideaos tcikl`?.? o?,??- • Mlt=l d? 0, 1- , do beteby t>etdfy that the conw address of tbtWith iwnamedMotttateela ?Ouy?ayR'?hcWlfOGn a..2? Q,vtal+n ?.'1sd'gr'a'l HvSbrA-Fwih 3 Surliagton PIOOCiC, 1nC1 Floor, aurLingCOxl, MA 01803 wimesa mybmtd thisrd day of ?u`Y z0°.7 / /I V Age btargagee COMMONMIAL-M OP P$NNB7t'I.VA R& L u?be rlo,•? ?' caawy era: Olt this, the ?-?l day of J . jw-I befom coo, the uadeidPW ofHoer, persOWAY appeasW ?K4 W (3 'T V\ 4 cop it •? '7 ho n ? f , w plus (lNiPt lauawa to we (or saddaM ilY provW to be tlr0 petaon s Owe nM44 tabsevibed to the WbMn inatrllID6M ad WIMOWledged liter r- exearmd the same for tbo parposa bemia coamiaed. IN Wl11f= WHMMF, L bemtmto WE my bead aed offldd seal. My Commission Bapirea:4y (,? IOU' i . MdaMItR tlllK Pop ro or to sp Cauca M bpi" MW sk 8001• Tide oTOMW PADle04 .svw-u-o* I.aOa Nwaba: 411005738 ServWwg Number 002330585-7 Date: 07/23/07 BALLOON RIDER Tib is a BAUMN LOAN. The term of the loan is 40/30 Yeats.'[1*MoMttutwhil870UrM 11dY payment amount is amordW4 in eaeordance with a 40 year loan term, the loan is payable in full in THINIY (30) years from the date the loan is made. As a resalt, you will be Required to repay the tm ire retainiug principal bdance, topAw with a=uod interest, lam ohargea, if any, and all advautx meats made by the ladder wader ft terms of this loan in THMTY (30) years tom the daft on whicb the loan is made. The lender has no obligation to reftwee this loan at the end of its term. 71terefore, you may be roept W to:repay the loam out of other assets you may own. or you may have to And aa**" lender willing to returnee the 100. Assuming dds lender or anoaher lender re5nanoes this loan at matatity, you will probably be charged interest at maftt razes pueyWing at that time which may be cousiderably bigher or lower faun the imarest rate paid on this loan. You may also have to pay some or all of the closing costs normally esaoclated with the new mortgage loan even if you obudo reAuaaaing ftm the same lendor. DO B. THOKMW Borrower -Bormwor t111t TWATJa HALUM IMM Pane I Of I ' -Bomowa =M D. 7HOttPS -Borrowcr USR1091.wp (01-12-M Loan Plumber: 6 110 0 513 8 Savielag Nttmbsr: 002330505-7 Date: 07/23/07 PLANNED UNIT DHVBLMUM MER THIS Pi.ANN6D UNIT DBVBLOPMNT RIO13R is mtld0 July 23 , 2007 , ad is baeorporsted into sad d oll be deemed to mod and wppl®ea the bioatgsge, Deed of l aW or Security DOW (due "Security lostro meat") of die same dare, givaa by tits uadadpW (the "Borrower') to segue Borrower's Note to a&R elJock stostgage Corporation, a Massachusetts corporation (the 'Leader') of lion same date sad covadmg as Property disc dbed is &a * urity lasuumcm and to -red at: 140 PArtTRIDOB Cat, CARLISLE, PA 17013-0701 1PMPNW Addnal The Property fmcltrdes. but L not linked to, a pamef of bad 1uproved with s dwelling, together with other sadt parcels and amain com mmt loess and fir Ades, as described in COVSlD1N'1'S, COUDITIONS AM RESTRICTIONS (the 'Declatarion"), The Propwty is a pest of a planed adt devdopmm Imm a NTDDrarr P BSTAT23 Rtame K Pltatrd Udt DWd4pmmU) (ttae 'PUD'). The YtOPM alto lachtdes 0*NV 't harm in die bourn vans m oraadon or equivalent entity owning or ums&jt Ow common ritual and facilities of the PUD (the "Owners Aerociadou') and the uses, benefice and pmoeeds of Boaowsr's interest PUD COVIRUM x. In addition to the Oovtmsums and agreements made in the Swarity lunrua t. Borrower and leaden flather covtmaat and agree as $allows: A. PUDObilpKUM Borrower sWl perform all of Borrower's oblig ami,nder the PUD's ConMiwmt DoeunuM. The 'CoaaiIUM Docossente are the (O Dedwadw; (ii) glides of moorpmv=, rust h aatimeat or my egmvalW doaumcat which auras tine Owners AssOcittlop; and (ili) any by-laws or other roles or repilvisaes of the Owners Awoulmlon. Borrower shaft promptly pay, when duo, sll dues and assessmtats WVosed pw=m to the Comstituest Dom menus. B. Hamad b omace. So long at the Owners Assoeisdoa malandus, with a gtaarslly accepted insurance carrier, a "master' or 'blaalta' Policy taaaiag the property which is satisfactory to Leads and which provides insurance coverAge in the anounts, for the pedodsl ad against the bat:ards Leader reelolm, Wending fire and herds included within the tam 1cr nded oovemp," thee: (i) Lender waives the provision in Covmat 3 for the monthly pa)mretit to Leader of the yearly premium L=W mmts fbr baud W axaam on the Prop or,, and (fi) Bonower's oblildlemunder Coveomd 5 to maintain havard inure" coverage on the property is doesned saWflod to the extant that Me required cvvetsgs is provided by the Ow=v Association policy. Borrower shall give Lssdsr pttmtpt Wine of ashy lapse in required bavad brsan = coverage provldod by the mull" or blakat policy. In the event of a dittn'butim of bawd mwtance pfOcceds in lieu of restoration or repair following a lots to the Property, or to cum= areas and f3acBf Wes of the PUD, any proceeds payable to Borrower are baeby sertgood and shill to paid to Leader. Leader Ad apply the proceeds to the rtrm9 soared by tba Security lasuument, with my excess paid to Borrower. C. PuMmI.Iabilky bmttamuza Borrower ahail take such actions as may be remomble to insure that the Owners Association maintaam a public liability imnance policy "table in form, amalm, and extent of coverage to Leader. mL rA1mmvrtmt.arqlaPaa49-WMAKma[Cv"KftWni9SICmum-ro>mme04190 >'ate 1 02 UU10111.wpo11-19-04) 1= Number: 413005738 Se[viciog NOCAU: 002330SOS-7 Data: 0'7/23/07 D. Cmbsoas iaa. TM pmomb of my award or claim for dauges, direct or coantiumtfal. prprable to eer0i0eII Borrower is caoooodon with any eoodermnioo or other talaiag of all or my part of tits property or the grew god f llitles of the PDD, or foray catveyaoce in lieu of condemoatios, shall be paid to l.ader Such ptaoseda ftU bs applied by Leader m the went umred by the Seatrity frnttnremt to provided is 3eodon t0. B. tiodts'a Prior Canute.. Bomwer hall not, except afar notice to Leader and with Lender's prior written contest, cidw pudtim or subdivide ilia property or consent to: (t) the absodosto mt or tormiastion of the PUD, mceept for abmdonamest or tamiaation retisired by low bt die we of substantial destruction by fire or otbar caswlty or to the am of a ukiag by coademmsdoo or wdnat domain; (ir) any smmdmeat to say provision of the "Comtitueut Docatoeats" If the provision is for the expM= boacfh of Landes; 011)eemsinstionof pmfessiosaimanagement andawaxapdon of self-mmegement of theOwners Association; or (iv) arq action which would live the effect of reades(sg the public liability imuranee coverage maintained by the OwDm Assooiatitm unacceptable to Leader. F. Remedies. It Boncower does not pay PUD dun and w costae is when. due. llua is each, if allowod by sppihubfe law. may pay thorn. Any sm-ON diWMW by Leader under tbfs paragraph P :half become additional debt of Borrower secmad by the Security tasentgeenr. Union Borrower and Leader agree to other WoU of payment, these amosais du L bar inrerm from the due of dbbusament at the Note sane and shall be payable, with interest, upon notice from Leader to Borrower tegeayring payment. BY SI(1NINO BELOW, Borrower accepts and spees to the terms and covenants contained in this TIM Rider. se (8esq U UD S a. THONPSM moreover 0M •norrower iseo) •ttaerower 1 ? e CAROL D . M OMPSON Borrower (W •Banoewt -Borrower aetAl.' WATSMD RMIR - MOO r=WY fame UmTea L Mw UNPODU WMUMfrli4' t3se s of s V3RAl l2.wp (11•I1>-04) Loan Number: 411005738 Servicing Number: 002330583-7 Date: 07/23/07 ADJUSTABLE RATE RIDER (LIBOR Index - Rate Caps) THIS AWMAKS RATE RIDER is made July 23, 2007 and is ineorp tied Im end shell be deemed to smeaad ad supplement the Mortgage. Deed of Trost or Swift Deed (the'Sacutity instsaam-0) of the same data givmh by the undeselped (the 'Borrower') to saahrs Bormwer'c AdjtWabio Rate Now (rho 'Note') to 8&R block Mortgage Corporation, a Massachusetts Corporation (the 'Lender') of the same due and covering the property described in the Security maltase t and located 140 PUTR3DOE CIR, CARLISLE, PA 17013-8701 IPto" Addreul THENOTHCONTAWPROVIMMALLOWMPORCNANts IN T1E[B746I>SdB.41' RATS AND THE MOKMY PAYMENT. THE NOU Lt1= M AM= TMI BCR*OWM'S II RAYS CAN CHANGE AT ANY ONE TBAB AND TSB MAMU M RATS TIR BORROWER MW PAY.. ADDMOKAL CDVENANTS. In adds ion to the covename and aptememla made in the Security Insohument. Borrower aid leader Ihttba covmaat and agree as follows: The Note provides for an initial interest ante of 10.900 t The Note provides for changes in the twat rate and the monthly payments, as follows: 4. 14UUW RATE AND MONTMY PAYNWr CHANGES (A) Cbamw Deets The imtesast rata I will pay may change on list first day of August 01 2012 and on tlhu day every sixth month theceafter. Each date an which my itmaaet rate could ebangp is called a 'Change Dane." (8) The Imdea Beginning Wit the AM (barge Date, MY lumest rue will be based on an Indent. The 'Index' 1s the evatage of interbank offend rates for ax-month U.S. dollar-dcoominetod deposits in the Loodca market VLWOR'). as published in 7bs Wall S&sd Journal. The most recent index figuue available as of the first business day of the month immodistely preceding the month In which the Change Dam eo n'e is called the `Current Index.* If d,e index is no longer available. the Note Holder will choose a new index tut is basal upon comparable infonnarion. The Note Holder will give me notice of this tholes. (C) Cakulatioa< of t37up Before each Change Date, the Note Holder will calculate my new interest rate by adding six permur poem(s) ( 6.00ot ) to the Current Index. The Note Holder will than round the result of We addition to the am blow one•eighth of one percentage point (D.125 %). Subject to the limits stated in Section 4(D) below, this rounded w mt wilt aNL WATZA1WMANAPATEYE?=410p DOM-ShWeParer hP 100 3 USAMML (03-0"n loanNumbw. 4110CS738 Servicing Number: 002330585-7 Date: 07/23/01 be ray new isteted tate until the nowt Change Date. The Note Haldri Will in deaamime the amount of the motttitty payment tbaa would be SAMent to rsM]' the uspo principal that I am expected to own at the Cba p Date In tall an the Maturity Date at my am Interest rate in enbWmtielly egad paymems..The result of ibis cdcuiation WM be the new 7manmt of my monthly payment. (D) L mitt an how Rots Ckne s The imtatest tau t am wAired to pay at the fast Onge Dries will not be peaty than 17.4001 or teat tbse 6.00011 . Tberea ter, my interest rife will never be bra red or doaened on any sm& QUO Date by more tbn one and a half -percentage points (1.511 from the ate of IM M I bays beta paying for the pteceding six movila. TA no event will my interest rate be poster tban 16.90011 of lea am 6.0004 00 ellieci +e Dow of Cbtmoa My new Interest rase will beoeme eliaetive on each Chop Diu. l will pry fhe amount of my sew monthly payment berlaoft an the AM moslbly payment clue dim the Change Date UND the amount of my mart ay psymmtt dosages again, m Nabsofaww The Note HWt1er will deliver or melt to me a 00*9 of say d m&w in or interest sate and the amount of my sovow payment We" the eirectlve date of stay dt i mp. The notice will include inttumetlon requited by law to be Swan me and also the We and telephone unamber of a parson who will wswlr say gmesdon I may have regarding d a soda. TXANl1 M OF IM MOMTT OR A 3104MCBAL IltfMW IN BORROWER Covemm 17 of the Security Instrument is as vaW to reed as fallow; Tlvreafx otd o Property or aBmeBeld bmw In Banotrer. If all or any put oft* Property 0f any interest in it Is sold or uaasfmred (or if a beme&iet Interest In Borrower is sold or transferred sod Borrower is not a D Mat Penn) teltbout bead ar's prior written consent. Lender nary, at its option, require immediate payment in full of all same tecurod by dab Suaauity Instrument. However, fhb option swell nce be auemised by lemdea d aurc:isse Is prohibited by ibdad lawn of the den of this Seauity Imttamnnt.1 coda also ahtu aot examise this option if: (a) Borrower tutee to be submitted t0 Lends isibrmetiou sequhod by Loader to ovalnau the iMaded tfaaatltree as if a sew toes warn bring made to the transfat»; and (b) Tam vese marbly deeerntbm that Loader's uanity will not be impaired by the less mWaVtlotr tend that the risk of a breath, of nay covemnt or apeemem in 06 Security lemma is wespgble to Leader. To the et tarot potmftfad by gTWANe law, Lender may dmp a tasomable fee a a condition to Larder's conical to the loss arsumption. I and ar tmay etso roq wive the traudaw to sign m assumption apeemm[ that is 4oceptable to Lauder and that obligaaa the transferee to keep all the promises and spore sots made in the Now and in thin Saaaity Instrument. Sonuwa will oonlinee to be obligated under the Note end fhb Security Inch m ent unless tender relmes Borrows in writing. If l ender eocat isee the option to require inmsaftu paymmt io ftdl, Leods shall give Bonvwer notice of aeceletadon. The notice shall provide a period of not lay than 30 days from duo date the notice is daUveted or walled withio wbich Borrower must pay all trap secured by chic Seatrity Inthmnent. If Borrower fills to pay rheas am prior to the expiradou of this period. Leader mqr Invoke any remedies permitad by thin Swirity instrument whhmc t(ttU m notice or demand on Borrower. MUL' WATT A11 MADWRAW 1004A M nint M4%Pmb Pop 7 of 3 USRMM (0349-0'7) Loan NwWm: 411005738 SaAcWg N=bet: 002330585-7 pare: 07/23/07 BY SMM O BELOW. Borrower a-pts sad MM -to the team aad CO MM MMioed is this Adjustable Rate Rider. , ? I (sary Do B. TRO tPSON (Sod) (Scary Mol D. TYSON (Spry (w a[t MOFA713AAiMS AKA SAM IMMMMOXV0MUNNO Pan* hp s Ots u30=0sot.07) EXATr "A" The fend reft nvd W in this O y Is W aim d In the STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND, CITY OF CAiRLJSLE, and dwabW as ibWm' ALL THAT CERTAIN TRACT OR PARCEL OF LAND WITH THE IMPROVEMENTS THEREON ERECTED - SITUATE IN THE OF NORTH LETON COUNTY PENN nVANIA, KNOWN ASPLOT NO.1Z AM AS DESCRIBED IN A000RDANCE WITH A FIN M OF SUBDIVISION PIJtN OF MIDDLE M ESTATES PHASE I BY ROBERT G. HARTMAN, JR., REGISTERED PROFESSIONAL; SURVEYOR, REVISED JUNE 23, 1989r AND RECORDED IN THE OFFICE OF RECORDER OF DEEDS IN AND FOR CUp WRLAND COUNTY, PENNSYLVANIA IN PLAN BOOK 58, PAGE 100, MORE PARTIWLARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT. BEGINNING AT A PONT ON THE EASTERN RIGHT-0F-WAY LINE OF PARTRIDGE CIRCLE FORMERLY MOM AS HEMLOCK DRIVE) AT THE NORYMEASTERN CORNER OF LCIT NO. 32-5 ON ll iE FMENTWM THE THENCE PLAN O AS E?MLOCK DRIVE), NORTH 3 ? A? A PARTRIDGE EASTERN Q LE (FORMERLY KNOWN r. ? 08 SS?N? EAST, A DISTANCE OF OF 37.99 FEETTO A POINT; THENCE BY A CURVE TO THE RIGHT HAVING A RADIUS OF 12 FAT, AN ARC LENGTH OF 17.88 FEET TO A POINT ON THE SOUTHERN RIGHT-OF-WAY LINE OF PA CIRCLF, THENCE ALONG THE SOUTHERN RTRIDGE RIGHT-OF-WAY LINE OF PARTRIDGE N THE DEGREES 24 MINvrEs 23 SECONDS EAST A DISTANCE OF 114.355 FEET TO A POINT O 59 NORTHWESTERN CORNER OF LOT NO.11 A ON THE AFOREMENTIONED PLAN OF LOTS; THENCE ALONG LOTS NO, 11-A AND 11-8, SOUTH 35 DEGREES 14 MINUTES 08 SECONDS WFST A DISTANCE OF 59.20 FEET TO A POINT ON THE NORTHEASTERN CORNER OF LOT NO. 12-8 ON THE AFOREMENTIONED PLAN OF LOTS; THENCE ALONG LOT 140.12-8, NORTH 54 DEGREES 45 MINUTES 52 SECONDS WEST A DISTANCE OF 125 FEET TO A POINT ON 714E EASTERN RIGHT-OF-WAY LINE OF PARTRIDGE akcLE (FORMERLY KNOWN AS HBNLOC K DRIVE), THE PLACE OF BEGINNING. Yt ?NN{NIL{III THOMPSON PA 1 83809 FIRST AMERICAN LENOCRS ADVRNtAOE MORTGAGE G{Ill?lllfllll?IlfNR{NI11?IflillAillilN{ l ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200731221 Recorded On 8/9/2007 At 11:00:57 AM * Total Pages - 18 * Instrument Type - MORTGAGE Invoice Number -1735 User ID - AMS * Mortgagor - THOMPSON, DOUGLAS B * Mortgagee - MR BLOCK MORTGAGE CORPORATION * Customer - FUM AMERICAN * rRES STATE WRIT TAR $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FXXS - $37.50 RZOORDER OF !D$&DS AFrORDABLU HOUSING $11.50 COUNTY ARCHIVES P'!ZE $2.00 ROD ARCHIVES P'EE $3.00 TOTAL PAID $64.50 I Certify this to be recorded in Cumberland County PA RECORDER O D m Certification Page DO NOT DETACH This page is now part of this legal document. " - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. M?YNIOWIYIBYII EXHIBIT C NL?0-\ IL RECORDING REQUESTED AND PREPARED BY: American Document Services, LLC. 250 Commerce, 2nd Floor Irvine, CA 92602 (714) 665-2800 IMELDA IIAVALOS (AMER DOCS) And When Recorded Mail To: American Document Services, LL 250 Commerce, 2nd Floor Irvine, CA 92602 PARCEL# 19-1252-0038-0000000-29 Property Address: 140 PARTRIDGE CIR, CARLISLE PA 17013 Space above for Recorder's use Loan: 411005738 Service#: ZS7623ASI IN111 1 I's mill 11 + ASSIGNMENT OF MORTGAGE For good and valuable consideration, the aulBoieney of which is hereby ae3 mowledged, H&R BLOCK MORTGAGE CORPORATION, A MA CORPORATION, 20 BLANCHARD ROAD BURLINGTON NIA 01803-0000. By these presents does convoy, grant, bargain, sell, assist, transfer and set over to: OPTION ONE MORTGAGE CORPORATION, A CALIFORNIA CORPORATION, 3 ADA IRVINE CA 92618.0000. The dosoribed Mortgage, together with the miain noto(s) described therein with all interest, all liens, and any rights due or to become duo thereon. Said Mortgage for $146,200.00 is recorded in the State of PENNSYLVANIA, Township of CARLISLE, County of CUMBERLAND Official Records, dated and recorded on AUGUST 09, 2007, as Instrument No. 200731221, in Boots No. -, at Page No. -. Original Mortgagor: DOUGLAS B. THOWSON AND CAROLYN D. THOMPSON; HUSBAND AND WIFE. Original Mortgagee: H&R BLOCK MORTGAGE CORPORATION, A MASSACHUSETTS CORPORATION. Legal Description: See Attached Exhibit. 140 PARTRIDGE CIR, CARLISLE PA 17013. Dat H8 By: ETTS CORP. L.oan#: 411005738 Srv#:257623ASI Page 2 State of CALIFORNIA } County Of ORANGE as. On MARCH 28, 2008, before me, Kelly L. Tyler, a Notary Pablio, personally appeared Elizabeth Gercla, Vice President of H&R BLOCK MORTGAGE CORPORATION, A MASSACHUSE'T'TS CORP. who proved to me on the basis of satisfactory evidence to be the person(s)-whose name* Wave-sebsexibed to the within instrument and acknowledged to me that-helsheAheyexeoutedths same in YfdltarNheir-authorized oaPatY(? and that by biedherkheir slgnaturs(s}on the insgnmemt the person(s); or the entity upon behalf of which the per on4s)iMad, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of Cal rain that the foregoing paragraph is true and oorreot. ttEUV IL. YYLER W' my pdandoffiobdsea]. Commission 1P 1722419 ! Notary PUb80 - Collfornla orange County Mvgym,8gW%Jon30.2011 within named assignee is: 3 ADA IRVINE CA 92618-0000 Byr. 411005738 257623AS 1 589HRB PA EMISIT"Aw The lead m*rod to in this poky Is sitooed in ft STATE OF PENNSYL.VANTA, COUNTY OF CUMBERiAND, CITY'OF G1i OLE, and desal and as tows. ALL THAT ClWAM TRACT OR PWM OF LANG! WITH THE IMPROti RENTS THEREON i:EEECTED SMMTE IN THE TOWNSHIP OF NORTH MIDDLt?ft1N WLILM OF CUMMLAND, COMMORWEAL 11i OF PENNSYLVANIA, KNOWN AS LOT NO. *A, AS ;9496 IN AMMANCE WITH A SNAL max OFF OMI pL rM ESTATE PHM I BY RONRT" G. HAXTMAN, IR., F(EWMED PROKSSWW; SURVEYM RtVISED AlN1E 23,1984, AND RECORDED INTHE OFFICEOF RKORDER OF DEEDS IN AND FOR 0JMQERLAND ODUNTY, P'ENNSYLVANU IN PLAN BOOK A PAGE 100, MORE PAKnCULARLY BOUNDED AND DAD AS FOLLOM, TO WIT. 61EQNRM AT A POVq T ON THE FASrM RIGHT -OFWAY LINE OF PARTRIDGE CIRCLE FORMERLY XNWN AS 004= DRIVE) AT'THE NORTIiEA5TERN CORNER OF LOT ND. 124 ON THE NED PLAN LINE q? (WORaKRLY KNOWN AS HEMLOCK D"M, NOM 3 REES 14 MINiTt1°S 08 SECONDS ?E EAST, A DISTANM OF OF 37.99 FEET TO A POINT; THENCE BY A CURVE TO THE RIGHT HAVING A RADWS OF 12 FEET, AN ARC LENGTH OF 17.88 FEET TO A POINT ON THE SOUTHERN AIGH T-QFWAY LINE OP PARnMG! CIRCLE; THENCE ALONG THE SOUTHERN RIGHT-OF-WAY LINE OFPAR'LRI OE CIRCLE, SWTH 59 DEGREFS 24 MINITTES 23 SECONDS EAST' A I7LST'A14CE Of 124.33 Mr TO A MNT ON THE NORTHWESTERN CORNER OF LOT NO, 11-A ON TliE AR)REMEN 0M PLAN OF LOTS; THENCE ALONG. LOTS NO. 11•A AND 12-8, 90VTH 35 DEGREES 14 MINUTES 08 SECONDS 4WaT A DISTANCE OF 54.20 Fm TO A POINT ON THE NORTHEASTERN CORNER OF LOT NO. 12-B ON THE AFOREMOMONED PLAN OF LOTS; THENCE AWNG LOT NO, 12-0, NORTH 54 Drams 45 MLNLtM 52 ANDS WW A DISTANCE OF 125 FEET TO A POINT ON THE EASTERN RIGHT=OF-WAY LINE OF PAR7TtME CIRCLE (FORMERLY AS HEM= PRIVE), THE PLACE OF BEGINNING. ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240.6370 Instrument Number - 200811442 Recorded On 4111/2008 At 11:33:00 AM * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Numbcr -18489 User ID - AF * Mortgagor - H & R BLOCK MTG CORP * Mortgagee - OPTION ONE MORTGAGE CORP * Customer - AMERICAN DOCS * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS COUNTY ARCHIVES FZE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $27.00 * Total Pages - 4 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA a , ° RECORDER O ( D. EDS io a - Information denoted by an asterisk may chnnge during the verification process and may not be reflected on this page, IdI1111111111111111111 EXHIBIT D 1< Prepared By 1 Return To: E.Lance/NTC, 2100 Alt. 19 North, Palm Harbor, FL 346$3 (800)346.9152 002J K4 AHMSI L#: 0023305857 Investor: OTHER Investor L#: 411005738 Effective De- 1010112007 Tax Codc/P 915-1252*Q38-`699NQQ-29- ASSIGNMENT OF MORTGAGE -- Contact American Howe Mortgage Servicing, Ine,,1525 S. Beltline Rd., Coppell, TX 75019, telephone # (469) 645-3000, which is responsible for receiving payments. FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the undersigned, Sand Canyon Corporation f/k/a Option One Mortgage Corporation, WHOSE ADDRESS IS 7595 Irvine Center Dr #100, Irvine, CA, 92618, (ASSIGNOR), by these presents does convey, grant, sell, assign, transfer and set over the described MORTGAGE therein together with all interest secured thereby, all lions, and any rights due or to become due thereon to WELLS FARGO BANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPTS, ASSET-BACKED CERTIFICATES SERIES 2007-OPT5, WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21041951, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE). Said MORTGAGE dated 07/2312007, in the amount of $146,200.00 made by DOUGLAS B THOMPSON AND CAROLYN D THOMPSON to H&R BLOCK MORTGAGE CORPORATION recorded on. in the Office of the Recorder of Deeds of CUMBERLAND County, Pennsylvania, in Book , Page (or Document # 200731221) See Exhibit attached for Assignments, Modifications etc property more commonly known as: 140 PARTRIDGE C1R TOWNSHIP OF NORTH MIDDLETON, CARLISLE, PA 17013 Dated on 01/al J2012 (MM/DD/YYYY) Sand Canyon Corporation Wit Option One Mortgage Corporation By. DERRICK WHITH- VICE PRESIDENT "SAS 15612037 -0 IA CJ3487796 N4 FORM5\MMPAI 11?? !1811111111, 11l?IIIIIIIIIICI *15612037* Loan #:0023305857 STATE OF FLORIDA COUNTY OF PINELLAS The foregoing instrument was acknowledged before me on O012 (MM/DD/YYYY), by DERRICK WHITE as VICE PRESIDENT for Sand Canyon Corporation f pdon One Mortgage Goiporatton, who, as such VICE PRESIDENT being authorized to do so; executed the foregoing instrument for the purposes thertin contained. He/shelthey iskip) Rersonally known to me. At MIRANDA AVILA Public Mlrac S o of Florida Notary Public - State of FLORIDA MY C6 n # # o EE 019063 Commission expires: 08122/2014 xp Expires Augtrei22, 2014 14 Assignment of Mortgage from: Sand Canyon Corporation Uk/a Option One Mortgage Corporadon,'WHOSE ADDRESS IS 7595 Irvine Center Dr #100, Irvine, CA, 92618, (ASSIGNOR), to: WELLS FARGO BANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPTS, ASSET-BACKED CERTIFICATES, SERIES 2007-OPTS WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21045-1951, ITS SUCCESSOR OR ASSIGNS, (ASSIGNEE) Mortgagor: DOUGLAS B THOMPSON AND CAROLYN D THOMPSON When Recorded Return To. American Home Mortgage C/O NTC 2100 Alt. 19 North Palm Harbor, FL 34683 Ail that certain lot or piece of ground situated in Mortgage Premise: 140 PARTRIDGE CIR TOWNSHIP OF NORTH MIDDLETON .CARLISLE. PA 17013 CUMBERLAND (Borough or Township, if stated), Commonwealth of Pennsylvania. Being more particularly described in said mortgage. I, DERRICK WHITE. do certify that the precise address of the within named assignee is: WELLS FARGO BANK. N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPT5, ASSET-BACKED CERTIFICATES, SERIES 2007-OPT5, WHOSE ADDRESS IS 9062 OLD ANNAPOLIS ROAD, COLUMBIA, MD 21045-1951, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE) By: DERRICK WHI -VICE-PRESIDENT *15612037* AMSAS 15612037 -0 IA C13487790 N4 F'ORMSIFRMPAI 111111111111111111 IN oil IN 11111111111 *15612037* Loan No: 6023305857 Assignment: H&R BLOCK MORTGAGE CORPORATION TO OPTION ONE MORTGAGE CORPORATION DATED 03-28-2008. REC: 04-11-20081NSTR# 2008 1 1 442 1# . ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 201202547 Recorded On 1/26/2012 At 11:56:03 AM * Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number -100829 User ID - SW * Mortgagor - THOMPSON, DOUGLAS B * Mortgagee - SOUNDVIEW HOME LOAN TRUST 2007-OPTS * Customer - NATIONWIDE TITLE CLEARING * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 JUSTICE RECORDING FEES - $12.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $51.50 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA w 0 ° RECORDER O ID EDS • - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 111111111111111111111111 EXHIBIT E .; n I AMERICAN HOME MORTGAGE SERVICING, INC. SECURITY RETENTION AGREEMENT (Providing for a Fixed Interest Rate) Re: Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR, CARLISLE, PA 17013 Borrower(s): DOUGLAS B. THOMPSON This Security Retention Agreement (hereinafter "Agreement"), is made and entered into as of APRIL 1, 2010, (the "Effective Date") by and between American Home Mortgage Servicing, Inc. (hereinafter "Loan Servicer") and DOUGLAS B. THOMPSON (hereinafter collectively referred to as "Borrowers"). RECITALS: Borrowers executed that certain promissory note (hereinafter "Note") and mortgage, deed of trust or deed to secure debt (hereinafter "Security Instrument") on or about JULY 27, 2007, in the original principal amount ofU.S $146,200.00, (hereinafter collectively referred to as "Load" or "Loan Documents"); and Borrowers secured the Loan by virtue of the Security Instrument, covering the premises commonly known as 140 PARTRIDGE CIR, CARLISLE, PA 17013 (hereinafter referred to as "Property"); and Borrowers debts have been discharged pursuant to a Chapter 7 bankruptcy, but Loan Servicer retained and reserved its right under the Security Instrument to foreclose on the Property; and Borrowers have informed Loan Servicer that it wishes to remain in the Property and continue to make payments on the Loan; and Loan Servicer has stated that it will forego pursuit of the legal remedies available to it, provided that Borrowers execute and fulfill the terms of this Agreement. AGREEMENT: NOW "THEREFORE, in consideration of the Loan Servicer forgoing pursuit of its legal remedies under the Security Instrument relating to foreclosure and sale of the Property, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Borrowers understand, acknowledge, covenant and agree as follows: SRA fixed f'agc I of 6 LM000004 V 12 (043009) 1. Recitals: The above recitals are true and correct and incorporated herein by reference. 2. No Personal Liability: Since Borrowers' debts have previously been discharged pursuant to a Chapter 7 bankruptcy and since Borrowers did not sign an agreement reaffirming the Loan, this Agreement Is not to be construed as an attempt to collect a debt from Borrowers personally. Borrowers understand and Loan Servicer acknowledges that Loan Servicer has no right and no intention to enforce the Loan against Borrowers and that Loan Servicer's only recourse, if the Loan is not current as set forth in the Loan Documents and this Agreement, is to foreclove on the Property. 3. Forbearance by Loan Servicer: Even though Borrowers are no longer personally liable to repay the Loan, Loan Servicer reserves its right under the Security Instrument to foreclose on the Property, which Borrowers acknowledge and agree they pledged as security for the Loan. Borrowers hereby request that Loan Servicer forbear from pursuing foreclosure and enter into this Agreement, which specifies the steps they must take in order to allow them to retain the Property. In consideration of Borrowers' agreement to abide; and only for so long as they continue to abide, by all of the terms and conditions of this Agreement, Loan Servicer hereby agrees to forbear from foreclosing on the Property. 4. Payments: In consideration of Loan Servicer forbearing from foreclosing and allowing Borrowers to remain in the Property, Borrowers must make monthly Property retention payments ("Payment" or "Payments") in the amounts and by the dates, and in accordance with the terms and conditions, as set forth in this Agreement. a: As of the Effective Date, the amount payable under the Note and the Security Instrument is U.S. $156,949.45 (the "New Principal Balance"), consisting of the unpaid amount(s) loaned to Borrowers by Lender plus any accrued and unpaid interest and other amounts capitalized as set forth in Schedule "A," attached hereto and made a part hereof. b. Borrowers shall pay an earnest money payment (the "Deposit") in the amount of U.S. $0.00, which Deposit must be received by Loan Servicer no later than 5:00 P.M. Eastern Time, APRIL 19, 2010, either: (i) via overnight mail sent to the attention of American Home Mortgage Servicing, Inc., 4875 Belfort Road, Suite 130 Jacksonville FL 32256, in the form of guaranteed funds (certified check, cashiers check or money order) made payable to American Home Mortgage Servicing, Inc., or (ii) via Western Union "quick collect" to Code City: Option, Code State: CA. c. The Deposit shall be deducted from the New Principal Balance, for a total outstanding balance on the Loan of U.S. $156,949.45 (the "Reduced Principal Balance"). SRA Fixed Page 2 of '6 I.M000004 V 12 (043009) d. interest shall be charged on the Reduced Principal Balance at the yearly rate of 6.970%, from the Effective Date until AUGUST 1, 2037, (the "Maturity Date"). c. Borrowers shall make Payments of principal and interest (plus any amounts due for taxes and insurance as set forth in Schedule "A") in the amount of U.S. $1,072.02. All Payments must be received by Loan Servicer, clearly marked with the above-referenced Loan number, no later than 5:00 P.M. Eastern Time, beginning on MAY 1, 2010, and continuing on the same date of each and every succeeding month until the Reduced Principal Balance and interest are paid in full. If the Loan is an adjustable-rate mortgage ("ARM") loan and Borrower receives an ARM adjustment notice prior to the Payment beginning date indicated in the preceding sentence, Borrowers should ignore such notice and make Payments in accordance with this Agreement. If on the Maturity Date, Borrowers still owe amounts under the Loan, as amended by this Agreement, Borrowers will pay these amounts in full on the Maturity Date. f. Payments are subject to increase at any time pursuant to paragraphs 5 and 6 below. g. As to each and every Payment made under this Agreement, time shall be strictly of the essence and there shall be no grace period. 5. Additional Fees and Costs; Increase in Payment: a. Additional fees, expenses and charges relating to the Loan that have not been billed to or incurred by Loan Servicer or debited to the Loan account as of the Effective Date (including but not limited to late fees, appraisal and broker price opinion fees, property inspection fees, Loan Servicer advances for payment of Borrowers' taxes and/or insurance, attorney fees and expenses, collection fees and any other expenses incurred by Loan Servicer to protect its security interest in the Property), or clerical errors later discovered in the calculation of the Payments, (all of which fees, expenses, charges and errors, together with late charges, are collectively referred to as "Additional Costs"), are not included in the Payment amount and must be paid by Borrowers in order to fully satisfy the terms and conditions of this Agreement. b. In order to ensure payment by Borrowers of such Additional Costs, Loan Servicer may, upon written notice by Loan Servicer to Borrowers and in Loan Servicer's sole and absolute discretion, either: (i) demand immediate payment in full of the Additional costs, (ii) add such Additional Costs to the Reduced Principal Balance, or (iii) add a prorata amount of the Additional Costs to the Payment in an amount necessary either to pay the Additional Costs by a certain date as specified in such written notice or to pay the Loan off by the Maturity Date. SRA Find LM000004 Page 3 o1'6 V 1.2 (043009) 6. `Taxes and Hazard Insurance; Increase in Payments: Should Loan Servicer require Borrowers, pursuant to the terms of the Loan Documents, to establish an impound account with Loan Servicer for payment of taxes and insurance, or should the monthly contribution to any existing impound account increase pursuant to a periodic escrow analysis, the Payments may increase accordingly. Should the monthly contribution to any existing impound account decrease pursuant to a periodic escrow analysis, the Payments will decrease accordingly. 7. Effect of Agreement; Forbearance: This Agreement shall be of absolutely no force or effect, and no action will be taken by Loan Servicer to forbear from foreclosing on the Property, or to postpone the foreclosure or sale of the Property (f applicable), unless and until Loan Servicer has received both this Agreement, fully executed by Borrowers, and any required Deposit in the form and in the manner as outlined in subparagraph 4b above by no later than 5:00 P.M. Eastern Time, APRIL 19, 2010. This Agreement is not considered "received" by Loan Servicer unless and until it has been internally date stamped by Loan Servicer and delivered in hand to The Home Retention Team at 4875 Belfort Road, Suite 130 Jacksonville FL 32256. 8. Material Breach and Termination of Agreement: Borrowers shall be considered to be in material breach of this Agreement and this Agreement shall automatically terminate under any of the following circumstances: a. Borrowers fail to strictly comply with any of the terms of this Agreement or the Loan Documents as revised by this Agreement. b. The Property is abandoned or left vacant for more than sixty (60) days. c. Borrowers transfer any interest in the Property without Loan Servicer's prior written consent. 9. Effect of Termination: If this Agreement is terminated due to material breach as set forth above, the Loan Servicer shall be entitled to pursue its remedies pursuant to the terms and conditions of the Security Instrument as if this Agreement had never existed. 10. No Defenses: Borrowers agree that, except as set forth in paragraph 2 above, they have no defense, setoff or counterclaim related to the Loan or the Property, or to Loan Servicer's activities relating to the Loan or the Property. 11. Advice of Attorney: Borrowers warrant and represent that: (i) in executing this Agreement they have relied upon legal advice from the attorney of their choice, (ii) this Agreement has been read by Borrowers and such attorney, and its consequences (including risks, complications, and costs) have been completely explained to Borrowers by that attorney, and (iii) Borrowers fully understand the terms of this Agreement. SRA Fixed L,M000004 Page 4 ol'6 V 12 (043009) 12. Loan Documents: All of the terms and conditions of the Security Instrument shall remain in full force and effect except as expressly modified by this Agreement. Nothing contained in this Agreement shall be construed to impair the Security Instrument or affect or impair Loan Servicer's rights or powers under the Security Instrument to recover any sum due under the terms of this Agreement, including any Additional Costs. Borrowers will comply with all covenants, agreements, and requirements of the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the Effective Date: a. All terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note. b. All terms and provisions of any adjustable rate rider, or other instrument or document (if any) that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. 13. Notice: Any notice by Loan Servicer to Borrowers under this Agreement shall be deemed given if delivered by regular, certified or overnight mail to the Property address as it appears in this Agreement. 14. Severability: To the extent that any word, phrase, clause, or sentence of this Agreement shall be found to be illegal or unenforceable for any reason, such word, phrase, clause, or sentence shall be modified or deleted in such a manner so as to make the Agreement, as so modified, legal and enforceable under applicable law, provided that, should such modification or deletion materially diminish the benefit of this Agreement to either Loan Servicer, in its sole discretion and election, or Borrowers, in their sole discretion and election, the Agreement shall, only after written notice given by the electing party to the other party, be of no force or effect and the relationship of Goan Servicer and Borrowers shall be entirely governed by the provisions of the Loan Documents. NOTICE, TO BORROWERS WITH ADJUSTABLE-RATE LOANS. For Borrowers with an adjustable-rate loan, please read this notice carefully. In accordance with subparagraphs 12(a) and (b) of this Agreement, you (Borrowers) understand that the Loan is modified from an adjustable-rate loan to a fixed-rate loan. An adjustable-rate loan differs from a fixed-rate loan. With a fixed-rate loan, the interest rate stays the same during the life of the loan. With an adjustable-rate loan, the interest rate changes periodically, in relation to an index and a margin, and Payments may go up or down accordingly. IF INTEREST RATES DECREASE, AN ADJUSTABLE-RATE LOAN COULD BE LESS EXPENSIVE OVER A LONG PERIOD THAN A FIXED-RATE LOAN. YOU UNDERSTAND THAT BY MODIFYING THIS LOAN TO A FIXED-RATE LOAN, YOU ARE FOREGOING THIS POTENTIAL ADVANTAGE. IN WITNESS WHEREOF, the undersigned has/have caused this Agreement to be executed as of the date first above written. Borrower: AR, '9 orrower:. cY - DOUGLAS B. OMPSON ? /yC/la SKA Fixcd LMOOD004 Page 5 of 6 V 1.2 (043009) Dated: American Home Mortgage Servicing, Inc. By; Dated: SRA Fixed W000004 Page 6 ol'6 V 12 (043009) 1 ' Loan Modification Agreement Schedule A Name of Borrower(s). Douglas Thompson Loan Number; 23305857 aet 1 Ansi t AeN rnRCl ASIIRFA IN snslir_shlal ' The Balloon Psymem is subject to charge If your loan cordeaie a wnebla rate feature Amortizing Amount $156,949,45 Deferment Amount $000 Total Balloon Payment ' $000, eTlnm nF eMOUNT 011F Deferred Amount Total Due DellnquenVUnpaid Interest 1111/2009 T01 3131/2010 58,815 85 Attorney FeelCost3 SO DO $700.00 U aid Taxes / U aid Insurance J Escrow Reserves SO DO 54,345.08 Mo fication Fee $0 DO $000 Document Preparation Fee $0.00 30 00 Title Fee tf a Ncable $0.00 $000 Property Preservation $0.00 $000 Pr Inspection $0.00 $000 Broker Pnoe Opinion BPO (Estimated Value Of Pr oPertY) $0 00 $0 00 Borrower Interview $0,00 $0.00 Interest on Secured Advances IAHMSI paid funds on behall of borrow $0 00 $D 00 Late Char es $000 $882.50 Demand Fee $000 $O 00 Fax Fee $0.00 $00 redo Report $0.00 $1374 o ictent Funds (Returned Fees) 0. 0.00 TOTALS $000 MOO 97 Borrower Contribution $1,273.66 mortgage Insurance Contribution $0.00 Total Deferred Amount $000 Amount towards1st a ment due $0.00 o a mount ap ize 1,283.31 ••• includes estu ultod amount for the morANy escrow payment (which is subject to change) Borrower Initials here, New Principal and interest Pa ntent Effective:- 61112010 $1,072.02 Mon Tax Payment "' $178.35 Monthly Insurance Payment $41 00 Month) Mort Insurance Payment $0.00 Total Pa merit " K your an contains an variable refs esture, your month pnincipal en interest payrnent is Subpct to change based on 1,281.37 1 erms the Nola antl ModdicalionAil' Loan Modification Agreement Schedule A roament Rev 1 1 •8110109 EXHIBIT F !, Legal Description All that certain tract or parcel of land with the improvements thereon erected situate in the Township of North Middleton, County of Cumberland, Commonwealth of Pennsylvania, known as Lot No. 12-A, as described in accordance with a Final Subdivision Plan of Middleton Estates Phase 1 By Robert G. Hartman, Jr., Registered Professional; Surveyor, revised June 23, 1989, and recorded in the Office of Recorder of Deeds in and for Cumberland County, Pennsylvania in Plan Book 58, Page 100, more particularly bounded and described as follows, to wit: Beginning at a point on the Eastern right-of-way line of Partridge Circle formerly known as Hemlock Drive) at the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive), North 35 degrees 14 minutes 08 seconds East, a distance of 37.99 feet to a point; thence by a curve to the right having a radius of 12 feet, an arc length of 17.88 feet to a point on the Southern right-of-way line of Partridge Circle; thence along the Southern righty-of-way line of Partridge Circle, South 59 degrees 24 minutes 23 seconds East a distance of 114.35 feet to a point on the Northwestern corner of Lot No. 11-A on the aforementioned Plan of Lots; thence along Lots No. 11-A and 11-B, South 35 degrees 14 minutes 08 seconds West a distance of 59.20 feet to a point on the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along Lot No. 12-B, North 54 degrees 45 minutes 52 seconds West a distance of 125 feet to a point on the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive), the place of beginning. Containing 6740.3597 square feet or 0.1547 acres. Subject to building set back lines of 25 feet from Partridge Circle (formerly known as Hemlock Drive.) Tax ID - 29-15-1252-038 For information purposes only - property also known as: 140 Partridge Cir, Carlisle, PA 17013-8701 TITLE TO SAID PREMISES IS VESTED IN Douglas B. Thompson and Carolyn D. Thompson, husband and wife, by deed from Douglas B. Thompson, dated 4/27/2001 recorded 4/27/2001 in Book 243, Page 608. On or about May 27, 2011, Borrower Douglas B. Thompson died intestate, whereby title to the Mortgaged Premises vested to Carolyn D. Thompson, solely. EXHIBIT G American Home Mortgage Servicing Inc. PO Box 9092 Temecula, CA 92589.9092 15M -k PRESORT F1rst-Class Mail U.S. Postage and Fees Paid W SO 2253169138 20110810-158 Il?lllllil?llnil?n?ri?nllll?lilll?l?ll?l?il??nll?lr?llillr THOMPSON CAROLYN D 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 OP001 _PA f.4EN+ UX AC P.O. Box 831730 ?1R" +!.: Irving, TX 75063-1730 08/10/2011 THOMPSON CAROLYN D 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR CARLISLE, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE www.ahmsl3.com This is an official Notice that the morteaee on your home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached Pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with You whep von meet with the Counseling Agency, The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll-free at (800) 342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency maybe able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACON EN AD.IUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PAPA UN PRESTAMO POR EL PROGAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU IIIPOTECA. lif HOMEOWNER'S NAME(S): THOMPSON CAROLYN D OP001_PA Pagelof6 2253L69138 PROPERTY ADDRESS: 140 PARTRIDGE CIR CARLISLE, PA 17013 LOAN ACCT. NO.. 0023305857 ORIGINAL LENDER: American Home Mortgage Servicing, Inc CURRENT LENDER/SERVICER: Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPTS, Asset-Backed Certificates, Series 2007-OPT5 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are enttled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURB YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies for the count in which the RMerty is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PIIFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. OP001 _PA Page. 2of6 2253169138 AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date. NATURE OF THE DEFAULT - American Home Mortgage Servicing, Inc is currently servicing your Mortgage Loan that is secured by the property located at: 140 PARTRIDGE CIR CARLISLE, PA 17013 YOUR LOAN IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Payments from 06/01/2011: $3,912.15 Late Charge(s) (if applicable): $192.96 Other Charge(s): NSF and Advances (if applicable): $0.00 Less: Credit Balance: $0.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $4,105.11 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH $4,105.11 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made pavable and sent to: American Home Mortgage Servicing, Inc P.Q. Box 660029 Dallas, TX 75266-0029 or Overnight to: American Home Mortgage Servicing, Inc 1525 S. Beltline Road Coppell, TX 75019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the yc mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal f OP001 _PA Page 3of6 2253169138 proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required tq nay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST P SSIBL•E SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: American Home Mortgage Servicing, Inc Address: 1525 S Beltline Rd Coppell, TX 75019 Phone Number: (877) 304-3100 Fax Number: (866) 497-1263 Contact Person: Brandon Wirth or Michael Heath Email Address: brandon.wirth@ahmsi3.com or michael.heath@ahmsi3.com Website: www.ahmsi3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURL YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. OP00 ] _PA Page4 of6 2253169138 • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. You may also contact a HUD-approved housing counseling agency toll-free at (800) 569-4287 or TDD (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSYVANIA American Home Mortgage Servicing, Inc is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty (30) days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc P.O. Box 631730 Irving, TX 75063-1730 Phone: (877) 304-3100 K OP001_PA Page 5 of 6 2253169138 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of Western PA 2000 Ungiestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Maranathe 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 OP001 _PA Page 6 of 6 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717.334.1518 2253169138 American Home Mortgage Servicing Inc. PQ Box 9092 Temecula, CA 92589-9092 f PRESORT First-Class Mall U.S. Postage and Fees Paid W SO 2253169137 20110810-158 ??IIIIIII?I?I?II?III?11111?1???1?1?????1???11111???1'?I??II??II?) ESTATE OF DOUGLAS B THOMPSON 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 OP001 _PA X401 P.O. Box 631730 W. 11 VI.: Irving, TX 75063-1730 08/10/2011 ESTATE OF DOUGLAS B THOMPSON 140 PARTRIDGE CIR CARLISLE, PA 17013-8701 Loan Number: 0023305857 Property Address: 140 PARTRIDGE CIR CARLISLE, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE www.ahmsi3.com This Is an official Notice that The mortgage on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able ,to The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at (800) 342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICAC16N EN AD.IUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACI6N OBTENGA UNA TRADUCCI6N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGAMA LLAMADO "HOMEOWNER'S F,MFRGENC'V MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ,'. HOMEOWNER'S NAME(S) F`T ESTATE OF DOUGLAS B THOMPSON OPOO I _PA PapI of6 2253169137 PROPERTY ADDRESS: 140 PARTRIDGE CIR CARLISLE, PA 17013 LOAN ACCT. NO.: 0023305857 ORIGINAL LENDER: American Home Mortgage Servicing, Inc CURRENT LENDER/SERVICER: Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are enttled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the uroperty is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY .PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. OP001 _PA Page2of6 22S3169137 AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it uv to date. NATURE OF THE DEFAULT - American Home Mortgage Servicing, Inc is currently servicing your Mortgage Loan that is secured by the property located at: 140 PARTRIDGE C1R CARLISLE, PA 17013 YOUR LOAN IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Payments from 06/01/2011: $3,912.15 Late Charge(s) (if applicable): $192.96 Other Charge(s): NSF and Advances (if applicable): $0.00 Less: Credit Balance: $0.00 TOTAL YOU MUST PAY TO CURE DEFAULT: $4,105.11 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH $4,105.11 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: American Home Mortgage Servicing, Inc P.O. Box 660029 Dallas, TX 75266-0029 or Overnight to: American Home Mortgage Servicing, Inc 1525 S. Beltline Road Coppell, TX 75019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the morteaee debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon Your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the 0 mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal OP001_PA Page3 of6 2253169137 r? proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period. You will not be reaulred to pay attorney's fees. OTHER LENDER REMEDIES - The tender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale, and, any other costs connected with the Sheriffs Sale as specified in writing, by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: American Home Mortgage Servicing, Inc Address: 1525 S Beltline Rd Coppell, TX 75019 Phone Number: (877) 304-3100 Fax Number: (866) 497-1263 Contact Person: Brandon Wirth or Michael Heath Email Address: brandon.wirth@ahms13.com or michael.heath@ahmsi3.com Website: www.ahms13.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that other requirements of the mortgage are satisfied, YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. OP00 I_PA Page4 of6 2253169137 • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. You may also contact a HUD-approved housing counseling agency toll-free at (800) 569-4287 or TDD (800) 877-8339 for the housing counseling agency nearest you. These services are usually free of charge. CREDIT COUNSELING AGENCIES SERVICING YOUR COUNTY CA)y BE LOCATED ON THE ATTACHED LIST OF COUNSELING AGENCIES LOCATED IN THE STATE OF PENNSXVANIA American Horne Mortgage Servicing, Inc is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within thirty (30) days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us within thirty (30) days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty (30) days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc P.O. Box 631730 Irving, TX 75063-1730 Phone: (877) 304-3100 OP001 _PA Page 5 of6 225316913? 10 V i CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of Western PA 2000 Unglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Marenatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 OP00l_PA Page6 of6 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717.334.1518 2253169137 File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney ID# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 Defendants. `EFALAND COUNTY COURT OF COMMON PLEAS CUMBERLAND COUNTY MARCH TERM 2012 NO. 2012-1700 Civil CIVIL ACTION MORTAGE FORECLOSURE AFFIDAVIT OF SERVICE I, Katherine E. Knowlton, do hereby certify that the Defendants, Carolyn D. Thompson, was served with the Complaint in Mortgage Foreclosure in this action, by DGR Legal Support Services on May 25, 2011. True and correct copies of the affidavits of service are attached hereto and made a part hereof as Exhibit "A". I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4909 relating to unsworn falsification to authorities. THERINE E. KNOWLTON, ESQUIRE Atty ID# 311713 Attorney for Plaintiff Sworn to and subscribed Before me this o_ day of line 2012 Vad Notary Public DIANA HEM Notary Pubpe State of New Jersey ANY Commission Expires Sept. 30, 2013 EXHIBIT A T IN THE COURT OF COMMON Plaintiff YvZLLS•FARGO BANK, N.A. AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007- PLEAS OF CUMBERLAND CO., OPT5 ASSET-BACKED CERTIFICATES, SERIES 2007-OPT5 PENNSYLVANIA vs DOCKET NO. 2012-1700 Defendant CAROLYN D. THOMPSON, ET AL Person to be served: CAROLYN D. THOMPSON 2709 SHIRE LANE ROCKY MOUNT NC 27804 Attorney: KATHERINE E. KNOWLTON AFFIDAVIT OF SERVICE PARKER McCAY, P.A. (for use by Private Service) 9000 MIDLANTIC DRIVE SUITE 300 Cost of Service pursuant to R4*30 MT. LAUREL NJ 08054 Papers Served. $ ('UMPIAINT IN MORTGAGE FORECLOSURE & NOTICE ACT 91 NOTICE Service Data / 0ZA p Served Successfully ? Not Served Date: f_P a Time: Attem is Delivered a copy to him/her personally Name of Person Served and relationship/title Left a copy with a competent household member over 14 years of age residing therein at place of abode. Left a copy with a person authorized to accept service, e.g. managing agent, registered agent, etc. Description of Person Accepting Service: n Aye: Height: s I Weight: ' 3 5 Hair: IS ADO Sex Q M Ale Race: CA man M Unserved: 1 ( ) Defendant is unknown at the address furnished by the attorney ( } All reasonable inquiries suggest defendant moved to an undetermined address ( } No such street in municipality ( } No response on: Date Time Date Time ( ) Other Comments or Remarks Subscribed and Sworn to m this 3 day of ZO Nctay ??` $ 0? L (1? y'''?. I, ff]/? t < /l'1 L ?`?c l? n was at ime of service a competent adult not having a direct `? AR Merest in the litigation. I declare under penalty perjury that the foregoing is true and correct. G ' P Ug?\ ?.lb •?C %, wq KE C-.•?`°?, s9natur o rocess Server Data <131 If Z 1IN11 DGR - THE SOURCE FOR LEGALdUPPORT WORK ORDER No. 867230 1359 Littleton Road, Morris Plains, NJ 07950-3000 FILE No. 14871-0771 (973) 403-1700 Fax (973) 403-9222 PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney 1D# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff File No. 14871-11-04655 / 14871-0771 vr? FILED-OFFICE 2 2 JUL 30 2; UUM-ERLAND COUNT` 'ENNSYLV? N!A Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D. Thompson 2709 Shire Lane Rocky Mount, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 20124700 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE PRAECIPE TO ENTER DEFAULT JUDGMENT TO THE PROTHONOTARY: Kindly enter Judgment by Default in favor of Plaintiff, Wells Fargo Bank, P .A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, 'Series 2007 OPTS and against Defendant, Carolyn D. Thompson, for failure to file an Answer to Plaintiff s OLOAk L4 Oz(.46 ?, ?`l? 95 Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: As set forth in Complaint $160,557.07 _ Interest @6.97% $4,960.69 (01 /06/2012 to 06/25/2012) x L._ate Charges $385.92 _ Escrow Advance $2,237.79 Recoverable Balance $150.00 Corporate Advance _ $2,202.90 TOTAL $170,494.37 Together with interest at the contract rate after the date of judgment, and costs. l CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT IN MORTGAGE FORECLOSURE AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT IN MORTGAGE FORECLOSURE. I hereby certify that the attached Notices of Intention to Take Default were forwarded tic) Defendants more than ten (10) days ago. PARKER McCAY P.A. Dated: July 23, 2012 By( ?-- Chandra M. Arkema, Esquire Attorney for Plaintiff [FPVA I-ZIKR ' - June 25, 2012 ForeclosurefBankruptcy Dept. P: 856-810-5815 F 856-596-3427 File No. 14871-11-04655 Ilia Certified Mail, R.R.R. & Regular Mail Carolyn D Thompson 140 Partridge Circle 7196 9t]C18 9111 4482 2284 Carlisle, PA 17013 - - • ' Re: Wells Farj4o Bank, N.A., as Trustee et al v. Thompson, Carolyn March Term 2012; Case No. 2012-1700 Dear Sir/Madam: Enclosed herewith please find a Notice of Intention to file Praeeipe for Entry of Default Judgment. If you should have any questions, please do not hesitate to contact our office. THIS LETTER IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAI!' PURPOSE. Very truly yours, KATHERINE E. KNOWLTON KEK/se Enclosures File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney 1D# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPTS, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 COURT OF COMMON PLEAS CUMBERLAND COUNTY MARCH TERM 201.2 NO. 2012-1700 Civil Plaintiff, V. Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 CIVIL ACTION MORTAGE FORECLOSURE, Defendants. NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Carolyn D Thompson 141) Partridge Circle Carlisle, PA .17013 DATL OF NOTICE: June 25, 2012 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER ,A 'A'RITTENd APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE'' COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST 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 LOSF, YOUR PROPERTY OR OTHER IMPORTANT RIGH'CS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER. AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE 'THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAVVYER, THIS OFFICE MAY BE ABLE: TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO l- l? E Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717) 243-9400 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PARKER McCAY P.A. Dated: June- 25, 2012 ?-? By. Katherine Kowlton, Esquire Attorney for Plaintiff VIA CERTIFIED MAIL, R.R.R. AND FIRST CLASS MAIL 7196 9008 9111 4482 2281+ ) °i day I TO:('a!o]yn D Thompson w r? r, Y'. 140 Partridge Circle Carlisle, PA 17013 0 00 n 6 3 O ?? m Cr 7 n a? Cr 192 y SENDER: SF. W d Cr n. J m `^ REFERENCE 14871-1 1-04655 10 days P o v PS Form 3800 January 2005 RETURN Postage U n RECEIPT SERVICE Certified Fee s Return Receipt Fee Restricted Delivery TUO n Total Postage & Fees US Postal Service"' POSTMARK,6R DATE 9Receipt for ' r zioz sz sL-AI Z0 }F•r 09 0 $__.ysos0 diz Certified Mail'" ? ---- { No Insurance Coverage Provided i Do Not Use for International Mail 0 S3MQ6131411d (r<30iSlOd ? , .. r. 7196 9008 9111 4482 22,54 3, Service Type CERTIFIED MAILT" 4. Restricted Delivery? (Extra Fee) 1. Art' le A reT 1Od to: 0,11pson < - art,?yn ? 40 Yartrici?;e ?;'ircle Carlisle, PA 13 )qt;`'I-1 1-04655 10 days PS F 3mor 811, January 2005 Yes by aae Pd t 1 D10 of 1 B. I nature Agent i/? ??' ? Addressee 1 as different from item 1? Is delivery ad D }lea - No . pvery address below: B YES, enter - ? rJ c?3 w Ori SE pamestic Return Receipt ROMA jWlt'NO A T T O R N E Y S AT L A W ForeclosureYBankruptcy Dept. P: 856-810-5815 F: 856-596-3,327 June 25, 2012 File No. 14871-1 1-046155 Via Certified Mail, R.R.R. & Regular Mail Carolyn D Thompson Certified 2709 Shire Lane 7196 9008 9111 4482 227? Rocky Mount, NC 27804 e - • Re: Wells Fargo Bank, N.A., as Trustee et at v. Thompson, Carolyn March Term 2012; Case No. 2012-1700 Dear Sir/Madam: Enclosed herewith please find a Notice of Intention to file Praecipe for Entry of Default Judgment. If you should have any questions, please do not hesitate to contact our office. THIS LETTER IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Very truly yours, KATHERINE E. KNOWLTON KEK/se Enclosures File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney ID4 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 COURT OF COMMON PLEAS CUMBERLAND COUNTY MARCH TERM 2012 NO. 2012-1700 Civil Plaintiff, V. CIVIL ACTION Carolyn D Thompson 140 Partridge Circle Carlisle, PA 17013 Defendants. MORTAGE FORECLOSURE; NOTICE OF INTENTION TO FILE PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: Carolyn D Thompson 2709 Shire Lane Rocky Mount:, NC 27804 DATE, OF NOTICE: June 25, 2012 IMPORTANT NOTICE 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 AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING ?\ND YOU MAY LOSE: YOUR PROPERTY OR OTHER IMPOR'FANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. II,' YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING,,\ LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A I:EDUCED FEE OR NO I- ['F. Cumberland County MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (800) 822-5288 / (717)'243-9400 NOTICE REQUIRED BY THE; FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. PARKER McCAY P.A. -?- Dated: June 25, 2012, By: Katherine E. Knowlton, Esquire Attorney for Plaintiff VIA CERTIFIED MAIL, R.R.R. AND FIRST CLASS MAIL 719h 9008 9711, 4482 2277 TO:Carolyn 1) Thompson 2709 Shire Lane Rock}' MOLint, NC 27804 SENDER: SE REFERENCE 14871-1 1-04655 10 days RETURN Postage RECEIPT SERVICE Certified Fee Retum Receipt Fee Restricted Delivery ?- Total Postage & Fees US Postal Service® POS OP% Receipt for Certified Mail'" PIQ 7=`t No Insurance Coverage Provided ? Do Not Use for International Mail ?I aI I -,v ra vo .? N J a ?I H 3 ?I n 3 v ?D rty m O p? O n n O x a. m a. n C7 ?t C. O - y 0 a j C S n nI s O ?0 Zt4Z Sc' 1Gnr tbt7Z9L£tC)i;JO Ogt,G00 $ vs;OW Z:, 30 -L 4 PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney ID# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff File No. 14871-11-04655 / 14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 20124700 CIVIL Plaintiff, V. Carolyn 1). Thompson 2709 Shire Lane Rocky Mount, NC 27804 CIVIL ACTION MORTGAGE FORECLOSURE, Property: 140 Partridge Circle Carlisle, PA 17013 Defendant. VERIFICATION OF NON-MILITARY SERVICE I, Chandra M. Arkema, Esquire, hereby certify that I represent Plaintiff in the above entitled case; that I am authorized to make this Verification on behalf of Plaintiff: that the above- named Defendant is over 18 years of age; that the last known address of the Defendant is 2709 Shire Lane, Rocky Mount, NC 27804; that the occupation of the Defendant, Carolyn D. Thompson, is unknown; and that the Defendant, Carolyn D. Thompson, is not known to be in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. I also certify that the address of the Plaintiff is 4375 Belfort Road, Suite 130, Jacksonville, FL 32256. I understand that the statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. PARKER MCCA.Y P.A. Dated: July 23, 2012 By: 4 ) 'n ( I,-, r? .1,t Chandra M. Arkema, Esquire Attorney for Plaintiff Department of Defense Manpower Data Center I'.es,It, as oi: Jul-23-2(12°9.2':'2 SCRA222 Stags Report Pursuant to Servicemembcrs Cirri! Relief Act Last Name: THOMPSON First Name: CAROLYN D Active Duty Status As Of Jul-23-2012 Active Duty Start Date Active Duty End Date Status service Component Cn Active Duty On Active Duty Status Date ------- -- - ------ W, NA No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date '.. Active Duty Start Date Active Duty End Date Status Service Component '.. NF NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date '.. Order Notification Start Date Order Notification End Date Status _ Service Component'. _ N1, NA _ No NA This response reflects whether the individual or his/her unit has received early notification 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 fu:ure orders to report fo Active Duty. Mary M. Snavely-Dixon, Director Department o? Defense - Manpower Data Center 4800 Mark Center D-ive. Suite 04E25 Arlington, VA 2235C 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 med cal care and other eligibility syste ns. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et sec, 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, frierd. 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 persons Service via the "defenselink.mil" URL http://www.defenselink.mil/faq/pis/PC0913LDR.html. If you have evidence the person was on active duty for the active duty status date and you `ail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you See 5C US'. App § 5211,(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 so 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 § 1C1(d) (1). Prior to 2010 only some of the active duty period's less than 30 consecutive days in length were available. In the case of a member of the National Guard, this incluces 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 UIS. 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 viol 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 § 1011 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 indc.ctec, 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 re Pi on th!s certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the $CRA are protected WARNING, This certificate was provided based on a last name, SSN, and active duty status date provided by the requester Providing erroneous information will cause an erroneous certificate to be provided Report ID: RG7Q18BRG2 PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney 1D# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff File No. 14871-11-04655 / 14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D. Thompson 2709 Shire Lane Rocky Mount, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 2012-1700 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE CERTIFICATION 1, Chandra M. Arkema, Esquire, do hereby certify that the Defendant, Carolyn D. Thompson, was served with the Complaint in Mortgage Foreclosure in this action, by DGR Legal Support Services, on May 25, 2012. A true and correct copy of the Affidavit of Service docketed June 25, 2012 is attached hereto as Exhibit "A". PARKER MCCAY P. /A. Dated: July 23, 2012 By: Chandra M. Arkema, Esquire Attorney for Plaintiff EXHIBIT "`A" File No. 14871-11-04655 PARKER McCAY P.A. By: Katherine E. Knowlton, Esquire Attorney ID# 311713 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn I) Thompson 140 Partridge Circle Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY MARCH TERM 2012 NO. 2012-1700 Civil CIVIL ACTION MORTAGE FORECLOSURE AFFIDAVIT OF SERVICE I, Katherine E. Knowlton, do hereby certify that the Defendants, Carolyn D, Thompson, was served with the Complaint in Mortgage Foreclosure in this action, by DGR Legal Support. Services on May 25, 2011. "frue and correct copies of the affidavits of service are attached hereto and made a part hereof as Exhibit "A". I verify that the statements rnade in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4909 relating to unsworn fralsifcation to authorities. ANE E. KNOWLTON, ESQUIRE Atty ID# 311713 Attorney for Plaintiff Sworn to and subscribed Before me this o-)Q_ day of _ 2012 Notary ublic DIANA HEWITT Notary Public State of New Jersey My Commission Expires Sept. 30, 2013 EXHIBIT A Plaintiff 'AELLS FARGO BANK, N.A. AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007- OPT5 ASSET-BACKED CERTIFICATES, SERIES 2007-OPT5 vs Defendant CARt:JLYN D THOMPSON. ET AL Person to be served CAROLYN D. THOMPSON 2709 SHIRE LANE ROCKY MOUNT NC ?7804 Attorney: KATHERINE E KNOWLTON PARKER MCCAY, P.A. 9000 MIDLANITIC DRIVE SUITE 300 MT. LAiJREL NJ 08054 Papers Served: C'JMPLAINT IN MORTGAGE FORECLOSURE & NOTICE ACT 91 NOTICE IN THE COURT OF COMMON PLEAS Of CUMBERLAND CO., PENNSYLVANIA DOCKET 'JO 2012-1700 AFFIDAVIT OF SERVICE (for use by Privata service) Cost of Service pursuant to R4:4-30 Service Data 1 p Served Successfully Not Served Date: 010-&/ 1- Time: R? 7 / Attempts: Delivered a copy to him/her personally Name of Person Served and relationship/title Left a copy with a competent household member over 14 years of age residing therein at place; of abode. -- Left a copy with a person authorized to accept service, e g, managing agent, registered agent, etc. Description of Person Accepting Service ?rL Aye: q_7 Height: Weight r 3S Hair. Sex. e /lf eZ /I- Race: 13 Dnserved IIINIillllllil?lllllllllll II I1111Ii11 lllllllllll IIIIIIIII?IIIIIi Iilil ( )Defendant is unknown at the address furnished by the attorney ( ) All reasonable inquiries suggest defendant moved to an undetermined address ( 1 No such street in municipality_ ( ) No response of,, Date Time Date ( ) Other Subscribed and Sworn to n IV this day of Nalary Sig Iatu DGR -THE SOURCE FOR LEGAL_ UPPORT WORK ORDER No. 8617230 1359 Littleton Road, Morris Plains, NJ 07950-3000 FILE No. 14871-0771 (973) 403-1700 Fax (973) 403-9222 Time Comments or Remarks ` E ,vas at ON ' k6' .11 %time of service a competent adult not having a direct O'(a }• ``, interest in the litigation. I declare under penalty r ?. (i perjury that the foregoing is ;rue and correct. 2° "-JULY 13-1 ''?.,, `'I KE GO °°?`° Sig alur o rocoss Salvo- --- - PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney ID# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff File No. 14871-11-04655 / 14871-07711 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn 1). Thompson 2709 Shire Lane Rocky Mount, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant. To: Carolyn D. Thompson 140 Partridge Circle Carlisle, PA 17013 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 2012-1700 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY CHANDRA M. ARKEMA, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Cum rland County, Prothonotafy PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney 1D# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054-1539 (856) 810-5815 Attorneys for Plaintiff File No. 14871-11-04655 / 14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007- OPT5, Asset-Backed Certificates, Series 2007-OPTS 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D. Thompson 2709 Shire Lane Rocky Mount, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant. To: Carolyn D. Thompson 2709 Shire Lane Rocky Mount, NC 27804 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 2012-1700 CIVIL CIVIL ACTION MORTGAGE FORECLOSURE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY DEFAULT has been entered against you in the above proceeding and that enclosed herewith is a copy of all the (record) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEY CHANDRA M. ARKEMA, AT TELEPHONE NO. (856) 810-5815 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES.ACT: WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. Cumberland Countv, Prothonotary PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney ID# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, NJ 08054 (856) 810-5815 Attorney for Plaintiff File #:14871-11-04655/14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Plaintiff, V. Carolyn D. Thompson 2709 Shire Lane Rocky Mountain, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendants. ?CJ I ACS 21 1G- 05 i-' j,%, ,r)LAN0 COUNTY r'Ev1jSYLVAN'IA : COURT OF COMMON PLEAS : CUMBERLAND COUNTY : MARCH TERM, 2012 : NO.: 2012-1700 Civil : CIVIL ACTION : MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO PaR.C.P. 3129.2 STATE OF NEW JERSEY COUNTY OF BURLINGTON SS: I, Chandra M. Arkema, Esquire, of full age, being duly, sworn according to law, upon my oath, depose and say, 1. A true and correct copy of the Writ of Execution and Notice of Sheriff's Sale was served on Defendant, Carolyn D. Thompson, by DGR, The Source for Legal Support on October 16, 2012, at 2709 Shire Lane, Rocky Mountain, NC 27804, as is evidenced by the Return of Service which is attached hereto and made a part hereof as Exhibit "A". 2. As per a phone call with the Cumberland County Sheriff's Office, true and correct copies of the Sheriff's Handbill of Sale were posted on the mortgaged premises at 140 Partridge Circle, Carlisle, PA 17013, on December 31, 2012. 3. True and correct copies of the Notice of Sheriff's Sale of Real Estate to Lienholders, and other applicable notices with reference to the scheduled Sheriff's sale, were sent to the following parties of interest on November 2, 2012 via first class mail, postage prepaid with certificates of mailing which are attached hereto and made a part hereof as Exhibit "B". Carolyn D. Thompson 2709 Shire Lane Rocky Mountain, NC 27804 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates Series 2007-OPT5 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 Freedom Mortgage Corporation 1288 RT 73 South Mt. Laurel, NJ 08054 Mortgage Electronic Registration Systems, Inc P.O. Box 2026 Flint, MI 48501-2026 Carlisle Area School District 623 West Penn Street Carlisle, PA 17013 North Middleton Township Tax Collector Robin K. Sollenberger 5 Hill Drive Carlisle, PA 17013 North Middleton Township Solid Waste 2051 Spring Road Carlisle, PA 17013 Cumberland Co Tax Assessment 1 Courthouse Square Carlisle, PA 17013 Cumberland Co Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Cumberland Co Domestic Relations 13 North Hanover Street, P.O. Box 320 Carlisle, PA 17013 Commonwealth of PA Department of Welfare 333 Health and Welfare Bldg Harrisburg, PA 17105 Tenants/Occupants 140 Partridge Circle Carlisle, PA 17013 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4909 relating to unsworn falsification to authorities. CHANDRA M. ARKEMA, ESQUIRE Atty ID# 203437 Attorney for Plaintiff Sworn to and subscribed Before me this cy"L" I day of February 2013. Notary Public DIANA HEWITT Notary Public State of New Jersey My Commission Expires Sept. 30, 2013 EXHIBIT "A" Plaintiff WELLS FARGO SANK, N.A., AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007- OPT5. ASSET-BACKED CERTIFICATES. SERIES 2007-OPT5 Defendant vs CAROLYN D. THOMPSON, ET AL Person to be served: CAROLYN D_ THOMPSON Address: 2709 SHIRE LANE ROCKY MOUNTAIN NO 27804 Attorney: CHANDRA M. ARKEMA, ESQ. PARKER McCAY, P.A_ 9000 MIDLANTIC DRIVE SUITE 300 MT. LAUREL NJ 08054 Papers Served: NOTICE OF SHERIFF SALE wRrr OF EXEGIMON Service Data: V IN THE COURT OF COMMON PLEAS OF CUMBERLAND CO., PENNSYLVANIA DOCKET NO. 2012-1700 AFFIDAVIT OF SERVICE W ur* by POV08 Service) Cost of Service pursuant to R4:4-30 S Served Successfully Not Served Date: 1a , Z- Timer 5 O V Tr k Attempts: ?_ ?/Delivered a copy to hIm/her personally Name of Person Served and rdetionshipAltle Left a copy with a competent household YD V1 D . ? Y l Q wF-?56"V1 member over 14 years of no residing therein at place of abode. -- D?.?-e•1nd?cuti-` Laft a copy with a person authorized to accept seTwics, e.g. managing agent, registered agent etc. Description of Person Accepting Service: ?j 1 V Age: 60'5 Height: 51 Weigh 150 Hair rj1 t? Swc Race: Non-Served: ( ) Defended is unknown at the address furnished by the attorney ( ) All reasonable Inquiries suggest defendant moved to an undetermined address ( ) No such street in municipality ( ) No response on: Date Time Date Time Data Time ( ) Other. Comments or Remarks Subscribed and Sworn to e thl O (a _?day of I, 1:,V- E, V,& am 0 y , was at time of service a competent adult not having a direct interest in the litigation. I declare: under penalty of perjury that Me foregoing is true and correct. ?1,, ?. Ipneare srwr Data Is. All DGR - THE SOURCE FOR LEGAL SUPPORT • Work Order No. 898049 •? ..'??18.f,1G U 1359 Lt teton Road, Morris Plains, NJ 07950-3000 `'.?.. ,f•• ?,?? (973) 403-1700 Fax (973) 403-9222 File No. 74877-0771 0 vi EXHIBIT "B" (f) O cv Lu LO T 111 Q L 00 4, rt Po x rl a 6 ^ d a r y O v` Q v c N a E m z v `o o y S ?m m a ? o a E O Q (5 -2 _ m N ) Q ? ? ? ? a o C?l v X °¢ ? E- F F o tom. yJ^ CZ 3 0 v ° f3, M O + o v j Oa [? 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E n O rn E o I N M I c E a- °" E d t m c ? c N 2 a E@ m c N a - a E o E F f Q a U U UJ Y a v LID 0 LO x 0 00 O a 0 0 Cl) N N U .C m O 0 O O) CO lf7 O W O Z N m J O Y 6 c€ N J N Y EL O ° ° a m Z > d N J 5 C 0 U) CL E O t LO LO O O r C O CL c O CL co 0 . S w a a O O N O C 7 ti oo M E O LL U) CL ttj mpg 3 ,LLB d m ;LL m ? LL 2 t ? m ?E m } L g U ? v! c i 2 L ° p 2 ay p CL a c y E ^. 75 y ? } N i in a ° _ m mE LL x$a aui Q c?i3`? a o t rn? 0 O L u ? ' a' ¢ L v 1 ? c a) ti Q? ', Q O O ' vNi v C 0 7NJ UO v) a ux o d ' GJ m Q U CL '??N V) ? ? ?' ? ;H ?„ ?? 03 05 M co r c E + i O Q J y a E m; ? - o z U y U ? U bA T3 v n v o d A oa :3 (u 4r O% E G E Z E f1 M C 'J U U ` N L ? ?? ? cd 7 =M c d O M ..J v C ) o x 0 m O a o E; O z y o ?m d 3 'o Q a- ? w O N 2! 0 0 O N U Z! ? Q 2 co 7 •O A w w J m E Y o o c. _... z Q. m "? { 0 2-:. 0 5 n c N t m o n E L( Cc E ° N m w m E E'm°c ovi =' C C E o E °o e r _.,_....,._ o N J E W .._...__.„.., m 9 wa ? P i c m djo i ° c E m c " r E 2 F- ? ? tl m c r m ? c $ u o J n E o S H ° m ~ J m U Eae??W? m c ? ma y y m E m N v m °c t m y m? o=? N C E W N O Q XX W y N ° C c a o o n u o° '?^ c .,, •O a m n a r an O d rZa c $ $ l0 + t??+ !? 7 0 O fta ° E ?' E N c y m `-° o E o 2 . E m ? Y c m ? o m E C A Qi m m ° ? m m o r N E E iE u d C W ?O E m c v u O v 2 _T I14 2 o CL 'm > ZE m m n a It O O N O C Mc O U- a. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson rw, Sheriff I'1 Ialry yf, > ,titan of 'uat� c ��s Jody S Smith a ifr C Chief Deputy X813 JUN 28 pH or � rw Richard W Stewart � �r CU IB&t LAND Solicitor MICE OF THE SPERIFF PEJVNs y j4j,,�1"�' �PW1� Wells Fargo Bank, N.A. vs. Case Number Carolyn D. Thompson 2012-1700 SHERIFF'S RETURN OF SERVICE 12/31/2012 01:42 PM - Deputy Gerald Worthington, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 140 Partridge Circle, Carlisle, PA 17013, Cumberland County. 01/22/2013 Ronny R. Anderson, being duly sworn according to law, states he served the requested Real Estate Writ, Notice of Sheriffs Sale and Legal Description, in the above titled action, in the following manner. The Sheriff mailed a notice of the action by certified mail, return receipt requested, to the within named Defendant, to wit: Carolyn D. Thompson at 2709 Shire Lane, Rocky Mount, NC 27804, return receipt card signed on January 5, 2013, by Carolyn D. Thompson, received in Sheriffs Office on 1/22/13. 02/21/2013 Affidavit of Service to Lienholders Filed in Sheriffs Office 03/05/2013 As directed by Chandra Arkema,Attorney for the Plaintiff, Sheriffs Sale Continued to 4/3/2013 04/02/2013 As directed by Chandra Arkema,Attorney for the Plaintiff, Sheriffs Sale Continued to 5/1/2013 05/01/2013 Ronny R.Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Cumberland County, PA on May 1, 2013 at 10:00 a.m.. He sold the same for the sum of$1.00 to Attorney Chandra Arkema, on behalf of Wells Fargo Bank, National Association as Trustee for Soundview Home Loan Trust 2007-OPT5,Asset-Backed Certificates, Series 2007-OPT5, being the buyer in this execution, paid to the Sheriff the sum of$ 06/26/2013 Deed recorded on 6/19/13 SHERIFF COST: $1,360.76 SO ANSWERS, June 26, 2013 RbNrrY R ANDERSON, SHERIFF i A-11 &k- (c)CountySuite Sheriff;Teleosoft:Inc. �g� PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney ID# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 Mount Laurel, New Jersey 08054 (856) 810-5815 Attorney for Plaintiff File#:14871-11-04655 / 14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset- : COURT OF COMMON PLEAS Backed Certificates, Series 2007-OPT5 : CUMBERLAND COUNTY 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 : MARCH TERM, 2012 : NO. 2012-1700 Civil Plaintiff, V. : CIVIL ACTION : MORTGAGE FORECLOSURE Carolyn D. Thompson 2709 Shire Lane Rocky Mountain, NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset- Backed Certificates, Series 2007-OPT5, Plaintiff in the above action, comes by its attorney and sets forth, as of the date the Praecipe for Writ of Execution was filed, the following information concerning the real property located at 140 Partridge Circle, Carlisle, PA 17013. 1. Name and address of Owner(s) or Reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) Carolyn D. Thompson 2709 Shire Lane Rocky Mountain, NC 27804 2. Name and address of Defendants in the judgment: Name Address (if address cannot be reasonably ascertained, please so indicate) Carolyn D. Thompson 2709 Shire Lane Rock Mountain, NC 27804 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please so indicate) Wells Fargo Bank,N.A., as Trustee for 4875 Belfort Road, Suite 130 Soundview Home Loan Trust 2007-OPT5, Jacksonville, FL 32256 Asset-Backed Certificates, Series 2007-OPT5 4. Name and address of the last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please so indicate) Wells Fargo Bank,N.A., as Trustee for 4875 Belfort Road, Suite 130 Soundview Home Loan Trust 2007-OPT5, Jacksonville, FL 32256 Asset-Backed Certificates, Series 2007-OPT5 Freedom Mortgage Corporation 1288 RT 73 South Mt. Laurel, NJ 08054 Mortgage Electronic Registration Systems, Inc. P.O. Box 2026 Flint, MI 48501-2026 5. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please so indicate) ONLY THOSE LISTED ABOVE. 6. Name and address of every other person who has any record interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) Carlisle Area School District 623 West Penn Street, Carlisle, PA 17013 .y a , North Middleton Township Tax Collector Robin K. Sollenberger 5 Hill Drive, Carlisle, PA 17013 North Middleton Township Solid Waste 2051 Spring Road, Carlisle, PA 17013 Cumberland County Tax Assessment 1 Courthouse Square,-Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square, Carlisle PA 17013 Cumberland County Domestic Relations 13 North Hanover Street, P.O. Box 320 Carlisle, PA 17013 Commonwealth of Pennsylvania 333 Health and Welfare Building Department of Welfare Harrisbur , PA 17105 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenants/Occupants 140 Partridge Circle, Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. CHANDRA M. ARKEMA, ESQUIRE Attorney for Plaintiff Date: September 101, 2012 1` PARKER McCAY P.A. By: Chandra M. Arkema, Esquire Attorney ID# 203437 9000 Midlantic Drive, Suite 300 P.O. Box 5054 - Mount Laurel, New Jersey 08054 (856) 810-5815 Attorney for Plaintiff File#:14871-11-04655 / 14871-0771 Wells Fargo Bank, N.A., as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset- : COURT OF COMMON PLEAS Backed Certificates, Series 2007-OPT5 : CUMBERLAND COUNTY 4875 Belfort Road, Suite 130 Jacksonville, FL 32256 : MARCH TERM, 2012 : NO. 2012-1700 Civil Plaintiff, V. : CIVIL ACTION : MORTGAGE FORECLOSURE Carolyn D. Thompson 2709 Shire Lane Rocky Mountain,NC 27804 Property: 140 Partridge Circle Carlisle, PA 17013 Defendant NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Carolyn D. Thompson Carolyn D. Thompson 140 Partridge Circle 2709 Shire Lane Carlisle, PA 17013 Rocky Mountain, NC 27804 The real estate located at 140 Partridge Circle, Carlisle, PA 17013 is scheduled to be sold at Sheriffs Sale on March 6, 2013 at 10:00 a.m., in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013. (The specific room location will be posted at every entrance to the courthouse; or Deputies posted at each entrance may direct you to the room.) to enforce the court judgment of$170,494.37 plus fees, costs and other charges obtained by Wells Fargo Bank, N.A. as Trustee for Soundview Home Loan Trust 2007-OPT5, Asset-Backed Certificates, Series 2007-OPT5, against you. l , NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE 1. This sale will be canceled if`y�you pay the judgment tTo� Chandra M..�Arkema,^Esquire, 9000 Midlonti Tlr� e, Suite 300, P..O. Bo 5054,MouzrLaur-ell,No jersey Ft8t 54. To And out fiev., much you must pay, you may call (856) 810-5815. 2. You may be able to stop the sale by filing a petition asking the court to strike or open the judgment, if the judgment was improperly entered. You may also ask the court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Sheriffs Office at (717) 240-6390 or Chandra M. Arkema, Esquire at (856) 810-5815. 2. You may be able to petition the court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriffs Office at (717) 240-6390 or Chandra M. Arkema, Esquire at (856) 810-5815. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on the 30th day after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days of the preparation of the schedule of distribution. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Court Administrator Cumberland County Courthouse 4th Floor Carlisle, PA 17013 (717) 240-6200 IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. It may not be sold in the absence of a representative of the plaintiff at the Sheriff's Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff is not present at the sale. LEGAL DESCRIPTION All that certain tract or parcel of land with the improvements thereon erected situate in the Township of North Middleton, County of Cumberland, Commonwealth of Pennsylvania, known as Lot No. 12-A, as described in accordance with a Final Subdivision Plan of Middleton Estates Phase 1 By Robert G. Hartman, Jr., Registered Professional; Surveyor, revised June 23, 1989, and recorded in the Office of Recorder of Deeds in and for Cumberland County, Pennsylvania in Plan Book 58, Page 100, more particularly bounded and described as follows, to wit: Beginning at a point on the Eastern right-of-way line of Partridge Circle formerly known as Hemlock Drive) at the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive),North 35 degrees 14 minutes 08 seconds East, a distance of 37.99 feet to a point; thence by a curve to the right having a radius of 12 feet, an arc length of 17.88 feet to a point on the Southern right-of-way line of Partridge Circle; thence along the Southern righty-of-way line of Partridge Circle, South 59 degrees 24 minutes 23 seconds East a distance of 114.35 feet to a point on the Northwestern corner of Lot No. 11-A on the aforementioned Plan of Lots; thence along Lots No. 1 I-A and 11-B, South 35 degrees 14 minutes 08 seconds West a distance of 59.20 feet to a point on the Northeastern corner of Lot No. 12-B on the aforementioned Plan of Lots; thence along Lot No. 12-B, North 54 degrees 45 minutes 52 seconds West a distance of 125 feet to a point on the Eastern right-of-way line of Partridge Circle (formerly known as Hemlock Drive), the place of beginning. Containing 6740.3597 square feet or 0.1547 acres. Subject to building set back lines of 25 feet from Partridge Circle (formerly known as Hemlock Drive.) Tax ID - 29-15-1252-038 For information purposes only -property also known as: 140 Partridge Cir, Carlisle, PA 17013-8701 TITLE TO SAID PREMISES IS VESTED IN Douglas B. Thompson and Carolyn D. Thompson, husband and wife, by deed from Douglas B. Thompson, dated 4/27/2001 recorded 4/27/2001 in Book 243, Page 608. On or about May 27, 2011, Borrower Douglas B. Thompson died intestate, whereby title to the Mortgaged Premises vested to Carolyn D. Thompson, solely. EXHIBIT "A" WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 12-1700 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK,N.A.,AS TRUSTEE FOR SOUNDVIEW HOME LOAN TRUST 2007-OPT5,ASSET-BACKED CERTIFICATES,SERIES 2007-OPT5 Plaintiff(s) From CAROLYN D.THOMPSON (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof, (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $170,494.37 L.L.: .50 Interest FROM 6/26/2012 AT THE PER DIEM RATE OF$28.83 Atty's Comm: % Due Prothy: $2.25 Atty Paid: $202.00 Other Costs: Plaintiff Paid: Date: 9/26/12 David D. Bu 11,Prothonotary (Seal) Deputy REQUESTING PARTY: Name: CHANDRA M.ARKEMA,ESQUIRE Address: PARKER MCCAY P.A. 9000 MIDLANTIC DRIVE,SUITE 300 P.O. BOX 5054 MOUNT LAUREL,NEW JERSEY 08054 TRUE COPY FROM RECORD Attorney for: PLAINTIFF In Testimony whereof,I here unto set"my hand Telephone: 856-810-5815 and the-seal gf said Court at Carlisle,OPa'- This �eyof Prothonotary Supreme Court ID No.203437 On October 31, 2012 the Sheriff levied upon the defendant's interest in the real property situated in North Middleton Township, Cumberland County, PA, Known and numbered as, 140 Partridge Circle, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: 'October 31, 2012 By: Real Estate Coordinator hZ LZ d S tl�t n �!4�344G CUMBERLAND LAW JOURNAL Writ No.2012-1700 Civil of 125 feet to a point on the Eastern right-of-way line of Partridge Circle Wells Fargo Bank,N.A. (formerly known as Hemlock Drive), VS. the place of beginning. Containing 6740.3597 square feet Carolyn D.Thompson or 0.1547 acres. Atty.: Chandra Arkerna Subject to building set back lines All that certain tract or parcel of of 25 feet from Partridge Circle(for- land with the improvements thereon merly known as Hemlock Drive.)Tax erected situate in the Township of ID-29-15-1252-038. North Middleton, County of Cum- For information purposes only berland, Commonwealth of Penn- —property also known as: 140 Par- sylvania, known as Lot No. 12-A, fridge Cir,Carlisle,PA 17013-870 I. as described in accordance with a TITLE TO SAID PREMISES IS Final Subdivision Plan of Middleton VESTED IN Douglas B. Thompson Estates Phase I By Robert G. Hart- and Carolyn D.Thompson,husband man, Jr., Registered Professional; and wife, by deed from Douglas Surveyor,revised June 23,1989,and B. Thompson, dated 4/27/2001 recorded in the Office of Recorder of recorded 4/27/2001 in Book 243, Deeds in and for Cumberland Coun- Page 608. ty, Pennsylvania in Plan Book 58, On or about May 27, 2011, Bor- Page 100,more particularly bounded rower Douglas B. Thompson died and described as follows,to wit: intestate,whereby title to the Mort- Beginning at a point on the East- gaged Premises vested to Carolyn D. ern right-of-way line of Partridge Thompson,solely. Circle formerly known as Hemlock Drive) at the Northeastern comer of Lot No. 12-B on the aforementioned Plan of Lots;thence along the East- ern right-of-way line of Partridge Circle (formerly known as Hemlock Drive),North 35 degrees 14 minutes 08 seconds East,a distance of 37.99 feet to a point;thence by a curve to the right having a radius of 12 feet, an arc length of 17.88 feet to a point on the Southern right-of-way line of Partridge Circle; thence along the Southern 'righty-of-way line of Partridge Circle, South 59 degrees 24 minutes 23 seconds East a dis- tance of 114.35 feet to a point on the Northwestern comer of Lot No. 11-A on the aforementioned Plan of Lots;thencealong Lots No. 11-A and 11-B, South 35 degrees 14 minutes 08 seconds West a distance of 59.20 feet to a point on the Northeastern comer of Lot No. 12-B on the afore- mentioned Plan of Lots;thence along Lot No. 12-13, North 54 degrees 45 minutes 52 seconds West a distance 105 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne,Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid,being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 25, February 1, and February 8, 2013 Affliant further deposes that he is authorized to verify this statement by the Cumberland Law Journal,a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time,place and character of publication are true. Lisa Marie Coy e, Editor wT SWORN TO AND SUBSCRIBED before me this da of February,2013 r Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 28,2014 he Patriot-News Co. 2020 Technology Pkwy 14C a tr1*0tWX(W5 Suite 300 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds irk,gpd for said County of Dauphin in Miscellaneous Book"M",Volume 14, Page 317, 2012-1700 Civil Wells Fargo Bank,N 'Ut. This ad ran on the date(s)shown below: Vs Carolyn D.Thomps iq t 01/22113 Atty. Chandra Arke a 01/29/13 All that certain tract or parcel of land with' the improvements thereon erected situatel 02/05113 in the Township of North Middleton,i)sf County of Cumberland, Commonwealth of Pennsylvania,known as Lot No. 12-A,• . . . . . . . . . . . . . . . . . . . . . . . . . as described m' accordance with a Final, Subdivision Plan of Middleton Estates, Phase I By Robert G. Hartman, Jr., Sworr.Lto and subscribed before m this 14 day of February, 2013 A.D. Registered Professional;Su d June 23,1989,and recorded"Y"bf in the Office of R wrder of Deeds in and for Cumberland County,-Pennsylvania in Plan-,,Ak Sg,:g. , "% tr , — �M, 0 blic particularly bounded and. -Alsen Mdllsmfoorleloft;towii- Beginning at a point on the Eastern right-of-way line of Partridge Circle formerly known as Hemlock Drive)at the COMMONWEALTH OF PENNSYLVANIA Northeastern comer of Lot No,12-B on the Notarial Seal Holly Lynn aforementioned Plan of U!ts;thence along H:� L:" Warfel,Notary Public the Eastern right-of-way line of Partridge I [:Washington Twp.,Dauphin County Circle(formerly known as Hemlock Drive), My Commission Expires Dec.12,2016 North 35 degrees 14 minutes 08 seconds MEMBER.PENNSYLVANIA ASSOCIATION OF NOTARIES East, a distance of 37.99 feet to a point; thence by a curve t6--tn_e7_nWhaving a radius of 12 feet,an arc length of 17.88 feet to a point on the Southern right-of-way COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: I, Robert P. Ziegler,Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Soundview Home L oan Trust 200'7-OPTS Tr is the grantee the same having been sold to said grantee on the I st day of May A.D 2013, under and by virtue of a writ Execution issued on the 26th day of September,A.D., 2012, out of the Court of Common Pleas of said County as of Civil Tenn, 2012 Number 1700, at the suit of Soundview Home Loan Trust 2007-OPTS, Tr against Carolyn D Thompson is duly recorded as Instrument Number 201320096. IN TESTIMONY WHEREOF, I have hereunto set my hand - I'd and seal of said office this z? IOU day of A.D. / a VF corder of Deeds 4ms ft Fast Monday of Jan.2014 44" County,Caftle,PA t*4 Commission