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HomeMy WebLinkAbout10-22-12J 1505610143 REV-1500 Ex`°'-'°' . PA De artment of Revenue OFFICNAL USE ONLY P Pennsylvania courny code veer File Number Bureau of Individual Taxes °P°"*"°"'°-"°"'° Po Box.zaosot INHERITANCE TAX RETURN 21 12 ~ 1 \ $~ Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth O1 19 2012 11 11 1920 Decedent's Last Name STEINEMANN Suffix Decedent's First Name ROBERT (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI H MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-a2) 4. Limited Estate ~ qa, Future Interest Compromise ~ 5. Federal Estate Tax Return Required (date of death attar 12-12-82) o g Decedent Dietl Testate ~ ~ Decedent Main[glnetla Living Truet ~ 9. Total Number of Safe De (Attach Copy M Will) (Attach opy of I rust) ppSit BOxea 9. Litigation Proceeds Received ~ 10. b~hreeniFl~~~~J1 a^E >'tl~te~M death ~ 11. Election to tax untler Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number JAMES D HUGHES ESQ 71.7 249 6333 r~: ~~ppppjj REGISTER ~ LLS USEONLY ~ O ~ ~~ ^ c First line of address --I , - 354 ALEXANDER SPRING RO ~ fV ~~ r ~ ~r Second line of address , t7L ~ ~ ~~ '~~ pc , n ' - ~.,1 fV i ~ rT Ci or Pos[ Office hr State ZIP Code DA FILED CARLISLE PA 17015 Correspondent's a-mail address: under penalaes or pequry, I declare that I have examined this return, including accompanying schedules and statements, antl to the bast of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative Is based on all infonnatidn of which preparer has any knowledge. 3 L 1505610143 1505610143 J 1505610243 REV-1500 EX oaceaa^r:Name. Steinemann, Robert H. De:cedent's Social Security Number RECAPITULATION 1. Real Estate (Schedule A) ..................................................................................... .. 1. 2. Stocks and Bonds (Schedule B) ........................................................................... .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)........ . 3. 4. Mortgages & Notes Receivable (Schedule D) ...................................................... .. 4. 5~ Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) .............. . 5. 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested............ 6. 75 , 601.50 7. Inter-Vivos Transfers & Miscellaneous t~oq Probate Property (Schedule G) u Separate Billing Requested............ 7. 8. Total Gross Assets (total Lines 1-7) ................................................................... .. 6. 7 S , 601.50 9. Funeral Expenses & Administrative Costs (Schedule H) ...................................... . 9. 3 , 963.00 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ............................. . 10. 5 6 , 951.92 11. Total Deductions (total Lines 9 & 10) .................................................................. . t 1. 60 , 914.92 12. Net Value of Estate (Line 6 minus Line 11) ......................................................... . 12. 14 , 68 6.5 8 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) .............................................. . 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) .............................................. . 14. 14 , 68 6.58 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 15. 0.00 i6. Amount of Line l4 taxable '7 Q16.73 at lineal rate X .045 r 16. 333.75 17. Amount of Line 14 taxable at sibling rate X .12 0.00 17. 0.00 16. Amount of Line 14 taxable at collateral rate X .15 7, 2 6 9. 8 5 1 a. 1, 0 9 0 . 4 8 19. Tax Due ................................................................................................................. . 19. 1 , 424.23 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505610243 1505610243 J REV-1500 EX Page 3 Decedent's Complete Address: DECEDENT'S NAME Steinemann, Robert H. STREETADDRESS 921 Hamilton St. CITY Carlisle STATE: PA ZIP 17013 Tax Payments and Credits: File Number 21-12 1. Tax Due (Page 2, Line 19) (1) 1,424.23 2. Credits/Payments A. Prior Payments B. Discount 0.00 Total Credits (A + g) (2) 0.00 3. Interest (g) q. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (q) Cheek box on Page 2 Line 20 to request a refund 5, If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the 7AX DUE. (5) ~ ,424.23 Make to: AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :............................................................................... ^ ^x b. retain the right to designate who shall use the property transferred or its income :.................................. ^ Q c. retain a reversionary interest: or ............................................................................................................... ^ ^x d. receive the promise for life of either payments, benefits or care? ............................................................ ^ ^x 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without ^ ^ receiving adequate consideration? .................................................................................................................... x 3. Did decedent awn an "in trust for" or payable upon death bank account or security at his or her death?....... ^ ^x 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property ~Nhich ^ ^ contains a beneficiary designation? .................................................................................................................. x IF THE ANSWER TO ANV OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dales of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the u:>e of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is 0 percent [72 P.S. §9116 (a) (1.2)]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Rsv4509 EXi (8-98) COMMONWEALTHOF PENNSYLVANIA INHERITANCE TA% RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF n, Robert H. Man suet was made Joint within ons year of iha daeedenl'° tlate i SURVIVING JOINT TENANT(S) NAME ADDRESS A. Patricia A. Steinemann 821 Hamilton St. Carlisle, PA 17013 B. Darlene A. Steinemann 921 Hamilton St. Carlisle, PA 17013 C. JOINTLY OWNED PROPERTY: LE NUMBER 21-12 schedule G. RELATIONSHIP TO DECEDENT Daughter None ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-MELD REAL ESTATE. DATE OF DEATH VALUE OF P,SSE % OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENT'S INTEREST 1 A 05/01/2007 Citizens Bank, Account No. 6216313693 - 800.00 50.000°h 400.00 jointly owned with Patricia A. Steinemann 2 08/23/2007 Real estate located at 921 Hamilton St., - 225,600.00 33.334°h 75,201.50 Carlisle, North Middleton Township, Cumberland Co., PA, 1/3rd interest with Patricia A. Steinemann and Darlene A. Steinemann as joint tenants with right of survivorship ($225,600 divided by 3 = $75,200 TOTAL (Also enter on Line 6, Recapitulation) (It more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. 75,601.50 Form PA-1500 Schedule F (Rev. 6-98) REVd151 EX~ (10-05) COMM~EAE~D~F,~1SYLVANIA SCHEDULE H FUNERAL EXPENSES & ESTATE OF FILE NUMBER Steinemann, Robert H. 21-72 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedules) attached B. I ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) 2,448.00 Street Address City State Zio Year(sl Commission paid 2. Attornev'sFees Salzmann Hughes, P.C. 7,500.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zio Relationshio of Claimant to Decedent 4. Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 15.00 See continuation schedules) attached TOTAL (Also enter on line 9, Recapitulation) 3,963.00 Copyright (c) 2009 form software only The Lackner Group, Inc. Farm PA-1500 Schedule H (Rev. 10-06) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF (FILE NUMBER Steinemann, Robert H. 21-12 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Hoffman-Roth Funeral Home & Crematory, Inc. -funeral services 2,448.00 H-A 2,448.00 Other Administrative Costs 2 Register of Wills -filing fee 15.00 H-B7 15.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Forth PA-7500 Schedule H (Rev. 6-98) -. __. Rev~i512 EX+(12-09) SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, 8 LIENS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TA%RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Steinemann, Robert H. y~_~y Report tlabts incurretl by Me tlecatlent prior to tleath that remelnetl unpaitl at the tlaro o1 tleeth, Inclutling unroimbunetl mstlical expenaaa. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Cumberland Goodwill Fire Rescue EMS -balance due for medical service on 1/18/2012 88.05 2 MetLife Home Loans -decedent is 1/3rd coowner of the Principal Mortgage owed 56,863.87 $170,591.60 at death; therefore, 7/3rd used for a deduction TOTAL (Also enter on Line 10, Recapitulation) I 56,951.92 (11 more space is needeq adtlitional pages o/the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 12-08) REV-1513 EX* (11-0a) SCHEDULE J coMr~A r~Q~~w~11~~OF~eEF~N~RLVANIA BENEFICIARIES ESTATE OF Steinemann, Robert H. FILE NUMBER 21-12 NUMBER NAME AND ADDRESS OF RELATIONSHIP TO DECEDENT SHARE: OF ESTATE AMOUNT OF ESTATE pERSONIS) RECEIVING PROPERTY ('Words) ($$$) I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 a 1.2 1 Patricia A .Steinemann Daughter Sch. F~ Item 1 7,416.73 921 Hamilton Street Sch. F 1/2 Item 2 Carlisle, PA 17013 2 Darlene A. Steinemann Friend Sch. F' 1/2 Item 2 7,269.85 921 Hamilton Street Carlisle, PA 17013 Total 14,686.58 Enter dollar amounts for distributions shown above on lines 1 5 throw h 18 on Rev 150 0 cover :sheet as a r o riate. NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TA}: IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS _ TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Copyright (c) 2009 form software only The Lackner Group, Inc. Forth PA-1500 Schedule J (Rev. 11-08) Hun[ i..: - (~ ; ~.. 1 sy is cCllli lL .... , rip/prrnt m pe.m :i; i [i 1`r ~^ - ~ ~N ~~~'aac~c~e.rc~r JA?~ .' ~ ~Ci'3 cpMnnOrvwEALTX ¢G pENN6yLVArvln.p T EnLTX.VITnL RECORDS s~ v. D.ceaenrz Leeal wme <NSC Mleale. L xe 9anlq z u ob•c: at. N 6 a q .. ea el security Numtrv me o! Duen 1 /Dghrl l II Me) ¢. tRObert H_ Steinemann 3564-18-0984 January 19 2012 , 1 sa. wv-L. •vlrteabv rvrx) sb. u e. 1 m Dae er glrtn IMn/mvh..rl tspeu Mnn.nl rcnplat. toty a .Ian cb„n<rv) va ° ( 91 °^m. Daw Xeur Mlnu< Nov. 11, 1920 ngeate cxn x •• ib.e e(cuwNl a. Realtlence IS[ate pG fo.elpn Geun[ry) b. gesleence (5t antl Numbex-Include gp<NO.) ge. Dltl D ceeen[ Llve In a Tawlnsnlpi 8 921 Hamilton Street pv.a. a.c.egnt v..e In ~orf-r, lyi~]d1,n~,-,,, P m _ n„ ea. R en<. ICn.,ntvl e. Pesleena tvp cneel 1 13 DN aa.nt n..ea wbnm Im,b, er e[Y/bpep . rrl 9. Ever In VS Mrmee Fo.usi al Status a[ Tlme ei paatn ~ Ma 1CSUrvIVIng 6pouzi s Na:ne Ili wile. glue n e p.1o. tad fl.,t ma.Na leowe a e) r 1O g W ~ N O Vnknawn O D cee ~ N rrletl O Vnknawn Vn . L 13- iatnel, Name ([list Mltlele, Laxt, SuHlel Maatner'z Nama .lar [e Glrst Maraage IFir, t Mlatlle a,tl Herman Bteinemann , Claire Geioke I 1 n1 0 lad. Inbrman[', Name 196. Pea nanlp [e Deceeent ac 1 n.man<'a Malllna getlxesa (Etree antl Number, Clty, Statp 21p C 1 [ {5 21 Hamil ton Street C id PA 17013 , e, ._ .................. ....... ..........._....__...1......_~..°:..?559....^•.F... ._Ef ?^.Y°^^ .. ....... .. ._. ac _.......... ............:.._ Cl'G;p.neoi_. ....... ....... .. v o.am Da,.rtm In . Xnxplml. X o..m oaprred sem.we.rdoiee:'ri;:,:: X°apii.i:' .....~ .. 7Ro:6ia ""il ) G I w L7~~o:a::eenoa'weme.._ .-.. r /ontpaeent D..a on grrwa Emeryenc gpom Nursing Home/Lnng-Term Caret clllty Otner (Sp clry) a • lSb. F 111ty Name (Ir not Inatltutlnn, glue avee[ antl n mber~ 15 c. City or Town, State, ene 21p Caae a. County o1 Dea<n 3 i PA 13 CUmberland °Y I6a. M npe of Dlappxr[IVan anal b, Date or Dlsp^sl[Inn Dlzpaalalpn N CremaXOn 6 16 c. pl c or 1 ame oI cemetery, c.ema ory~ n. o[M1er place) 0 Pe I I 5 9 a [ l O D ae an. 23, 2012 Ho££man-Roth FUneral Home omer cmearyl rematory u [ O^ s n a ifie. Lec T sate f Dl,pealupn Inty o and zlpl .al s.rvlc ur [eeerm.m . erv wn 1T mb Carlisle, PA 17013 13B504 an G nm r.,. e cmH u e ~ tM1 [ bes ea • 1 °ec ei[ as MXpenlc Ortyln - Cneck t ee 30. Dec tl e - E ce r to n Cneck ON OR MOPE re s nelca wnat ~ E n e tp c nl M1eat deg ee cM1nnl ce val ^ra mpletetle M1 time pI aeatn. baaa et be tee,crlbeaw a e. the aece a aaacetlen[conzleeretl nlmzal/or hersell to be l~ nl . ~ gth vi age nr is I, E anliM1/Hlspvnlc/LaXne. CM1eck [na "Nn' Wryl<e ~ Karean p e [] Naa plnma, 9tM1 - 32<n grvee bpa lf eecetlent Is np[ spanXn/Xlapanlc/La[In^. ~ 01ack o. q/Wean Nmerlcen a e [] XIgM1 sc ppl greeuatebor GE°ec ee ~ v xn/Hispanic/Y[Ino ~ gmer an Indian or glazka Nstlve O O[M1er ws lan p some ceneae eme r. a e li e . e j 9 .n nmerman. cM1r=.nn o gnen nalan ~ a e •m g =.n w a gn qsl p p ¢ .,, nr cbamo..o C3 _g. s a.nm((ea l D ve. a ~ ~ n ~ ~ E n O M M m g, MEd. Msw ew) O v n e . a.gree no . q. nlm/HXp.mc/iatlnb p I antl O Deng. p.dnc la.nee. M p O D to (e.g. p , Eaol u. p.or.anenal aeg.ee (speclryl O otter (speclNl ra MO O S OVM LLB J 31. ceden['a Single Pace Sell-D¢s gna n -CM1eck ONLY ONE to Intllc wnet tna deceeent cpnsldarae M1lmx.ll o. neraelf to be. 33u. D ual Occupetlo Inelca[e tree o/waark we nt's e u [e ~ ~] W M1lte 01 0 E mnan ne u n mart nl werking llie~DO NOT VSE PETIPED. O Bieck ^x Tlrlcan Tmeecan ~ K [] O[har Pacillc Ixlanea. e O gme.m.n In n u. wlaxw Naem C] V Cl D w/rvut sur. Manager ~ ~ O green m n p o nzi., . O R.ru,ea z3b. Kme ur gusrn.a,nneu,trv ~ + p ~ln c e X.r.,alr+ o om.r (sp.np) F p o cM1am ll State Government a pronouncee ava (Mad D 336. Slgna[ure aaI person Prannuncing DeatF (On y w e app Ica el z3c Llcen,e Numbet 6r PE1150N WX0 pPONOV CE9 pp EO 3a. °ate 3 p <[RTIGIfi9 OE,LTX ~ d ~ t e1 a O 1 7- ' IG"- _ fe-^-1 DNS u 5 So-i L z .< Iv rem (Mn/Davh=1 n am 29 me 1 9 > o r > S v ~ u U ka. et-~ a wo Mem<a Ea.mmer o, a .en., c.n<.ct.ei O v.a CAUSE OP DEATH ~ gp^`velm.m 3 R I. En[ eSna n of w -elseasea, In)urlea, or cempllca[Ipna-treat elrac[ly cauxea tree eeatM1. DO NOT an[er terminal event, aucM1 a, etdlac ar rval: reaplra[nry ar es[, or ventricular nbrlllatlon wltM1aut inpwl g the e<I^IaapY- DO NOT wg6PE VIAT E. En<ar only a yxe en a Ilne I Ilnea Ir nacea,srv ' Onaet [e Deet qTE G _---° C, L L o Yn cs ~~i s .~ <-~- S`~ ~ n!r- I ~ - a • ~ . l omm~ a,. ,,anlnr., '<e~ol~ m~lc iw e .en ~ l e ~ b, se n aN u,< pe. m (n..x. tnnxenpena eH: e u,[.e pre nne ._ Ence. m. c. ~ a DNDERIyIN¢ uVEE pug m tar a.. anna.GU.nce ofl: o lnj„rv ie , f ~n < e n rmul a e. e e v t yy~ l e a usr, M Due tp for as a consquente pO: ~ 36. part II. Enter n[Fer but nut re,ulting In me untlerlylna ceuae gNen In part I , i sx O y p able r a l 38 [va m a tne cvuae Nf eeetni aO y u male: Ge la Tobecca V Flbu[e [a OeatFi . 1tl eC ° e 3.M rof a 3 a°n ° 4 pregnant eat r p rv[ wbnm p vea e O r e1 p y • hw u ~ wee rel O X mm < . 8 vn.nta nme mdeem O P k Nb n rn .o ~ ~ ° tl n q aeem o p gl. . agalpn o N t. Ent prean.nt within e3 e.y, n. dean e C] sulnae p cowe ne a aete.min.a C] rv er b.mr. a.att . Dae ur Inlurv fmn/D.v/y.l lsp-n Menml 0 Dnknewn I p.egn,n: wlmin me pant red. . Time nr mlurv . pl.m or rnlurv (a-e. nome: =unnrutdnn xea; rarm, acnuuq . Letulen u mlurv Isneee and rvumber, o<r. st. [.. rep cnae) . rnNrv+e work r n . u mlurv, specrry: , . D.acrme Xew Inlurv Daurrea: o r o D er/oper.[e o p trmn o Nn o p xxen o o (6petlryl rtlfrer ICM1ec4 only onel: 39 0 a rtlryln pnyalelan -Tn ene b or my knazwleege. a rag due xelx) and m a S^lan - s[ my knnwleege. eeatM1 tt ne r m e, tlete~antl piece, antl me ceuxe( l ene menners[atee rtrryog pnY e~ tn ~ a O n ^ n I Q Maelcsl E.amin /cur ner a ne/er be o(ee [lure I^,n e v pl I n, deem u ty~ n° m` Bate' a~na p aa:e antl due to m. x. .el.t antl m a < ~ ~ )%/1 nde of gamer.. ! e Re n u 3sb N gad eax rep cue. of p. r,e Ing c.me ur D.aM1 p[ 1 39c .t 61 D . nee IM /oavh.l P i /~ / I'~i / ~ /~ .Rea, r.r i Dlar ~ Omber . Rear. ~^ ,., GL. Dat. Mn r \ ~ . wmenamen<x H105-143 LAST WILL AND TESTAMENT I, ROBERT H. STEINEMANN, of North Middleton Township, Cumberland County, Pennsylvania, being of sound mind, disposing memory and full legal age, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils heretofore made by me. ONE. I direct my Executor or Executrix, as the case may be, to pay all of my debts, funeral and administrative expenses as soon as convenient after m;y decease. Furthermore, I direct that all state, inheritance, succession and other death taxes imposed or payable by reason of my death and interest and penalties thereon with respect to all propert}~ composing of my gross estate for death tax purposes, whether or not such property passes under this Will, shall be paid by the Executor or Executrix of my estate. Further, to the extent that sufficient assets exist in my estate, any and all inheritance or other estate taxes, whether to non-charitable or charitable beneficiaries, shall be paid by my Executor or Executrix from the residuary of my estate. TWO. My Executor or Executrix may, at his or her discretion, compromise claims, borrow money, retain property for such length of time as he or she may deem proper; lease and sell property for such prices, on such terms, at public or private: sales, as he or she may deem proper; and invest estate property and income without restriction to legal investments unless otherwise provided hereunder. I authorize and empower my Executor or Executrix to sell any realty and/or personalty owned by me at my death and not specifically devised or bequeathed herein, at public or private sale or sales and to give good and sufficient deeds and/or bills of sale therefor, in fee simple, as I could do if living. My Executor or Executrix is authorized and empowered to engage in any business in which I may be engaged at my death, for such period of time after my death as seems expedient to said Executor or Executrix. THREE. I hereby give, devise and bequeath all of my estate of whatever nature and wherever situate to my daughter, PATRICIA A. STEINEMANN. If PATRICIA A. STEINEMANN, does not survive me by a period of at least sixty (60) days, then I give, devise and bequeath the rest, residue and remainder of my estate to DARLENF; A. STEINEMANN. If both PATRICIA A. STEINEMANN and DARLENE A. STEINEMANIV have predeceased me, then I give, devise and bequeath the rest, residue and remainder of my estate to ST. DUDE CHILDREN'S RESEARCH HOSPITAL currently located in Memphis, Tennessee. FOUR. If, under any of the provisions of this Will, any principal becomes vested in a minor, my Executor or Executrix, as the case may be, including any administrator c.t.a., shall have the discretion either to pay over such principal or any part thereof to any pazent of such minor, any guardian of the person or estate of such minor, or any person with whom such minor resides, or to retain the same as trustee of a power in trust for the benefit of such minor during his or her minority. Any of the principal thus retained, and any of the income therefrom, including the whole thereof, may be paid to or applied for the benefit of such minor from time to time in the discretion of the trustee of such power. When such minor reaches majority, the funds so held shall be paid over to such person, or, if he or she shall sooner die, to his or her legal representatives. hi so holding any principal or income for any minor, the trustee of such power shall have all the rights, powers, duties and discretions conferred or imposed upon my fiduciaries acting under this Will. I further direct that no bond shall be required from any person receiving a payment hereunder and receipt from such person shall be a full discharge to the trustee of such power who shall not be bound to see to the application or use of such p;iyment. The trustee of such power shall be entitled to commissions at the rates and in the manner payable to a testamentary trustee. FIVE. I nominate and appoint my daughter, PATRICIA A. STEINEMANN, to be the Executrix of this my Last Will and Testament. If my daughter, PATRICIA A. STEINEMANN, has predeceased me, failed to qualify or is not able; or does not serve for whatever reason, I then appoint DARLENE A. STEINEMANN, to be Executrix of my estate, whereby the substitute Executrix shall have the same powers as the original Executrix hereunder. SIX. No person(s) shall benefit hereunder unless such beneficiary shall survive me by sixty (60) days. SEVEN. No Executrix, Executor or Trustee acting hereunder shall be required to post bond or enter security in this or any other jurisdiction. EIGHT. No beneficiary may assign or anticipate his or her interest in any income or principal held or distributable hereunder; and no beneficiary's creditors may attach or otherwise reach any such interest. NINE. The validity and administration of any trust established hereunder and any question or disputes relating to the construction or interpretation of any said trusts shall be governed and construed in accordance with the laws of the Commonwealth of Pennsylvania. TEN. If any person or institution entitled to shaze in an:y distribution under the terms of this my Last Will and Testament becomes an adverse party in aziy proceeding to contest the probate of this Last Will and Testament, such person or institution shall forfeit his, her or its entire interest inherited hereunder and all provisions in favor of such person or institution shall be declared void and of no effect. The share of such person or institution so forfeited shall be distributed as part of the residue hereof except that if such person or institution is entitled to share in the said residue, that interest shall be distributed proportionately to the other residuary distributees. 3 IN WITNESS WHEREOF, I have hereunto set my hand and seal this f b day of 2009. <~~~ ~~~~ ~' (s ROBERT H. STEINEMANN Signed, sealed, published and declared by the above-named person as and for a Last Will and Testament, in our presence, who at said person's request, in said person's presence and in the presence of each other have hereunto set our names as subscribing witnesses. 'y""~i ae~,~'V 4 ACKNOWLEDGMENT AND AFFIDAVIT WE, ROBERT H. STEINEMANN, SUSANN B. MORRISON and JENNIFER M. NEGLEY, the testator and witnesses respectively, whose names aze signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testator signed and executed the instrument as his Last Will, and that he had signed willingly, and that he executed it as his free and voluntary act for the purpose herein expressed, and that each of the witnesses, in the presence and hearing of the testator, signed the Will as a witness and that to the best of their knowledge the testator was, at that time, eighteen yeazs o:f age or older, of sound mind and under no constraint or undue influence. ~ _~~ ROBERT H. STEINEMANN SUSANN B. MORRI ON ~v NNIF M.NEhLEY COMMONWEALTH OF PENNSYLVANIA . SS: COUNTY OF CUMBERLAND Subscribed, sworn to and acknowledged before me by ROBERT H. STEINEMANN, the testator herein, and subscribed and sworn to before me by SUSANN B. MORRISON and JENNIFER M. NEGLEY, witnesses, this ~~day of /~ , 2009. Notary Public '" COMMONWEALTH OF PENNSYLVANIA Notarial Seal Tamers S. Siegrist, Notary Public 5 WayneeWm E3ofo, Ffanldin County My Commissbn Expres Dec. t, 2010 u..._s,.. o,..,.,...n„~n~e Aaanniatlnn of Nntarim TaxDB Result Details Detailed Results for Parce129-19-1639-157. in tr DistrictNo 29 Parttl ID 29-19-1639-157. MapSuffiz HouseNo 921 Direction Street HAMILTON STREET Owuerl STEINEMANN, PATRICfA A ET AL C/O & DARLENE A STEINEMANN PropType R PropDesc LivArea 1808 CurLaudVal 38900 Cur[mpVal 186700 CurTotVal 225600 CurPretVal Acreage .46 CIGrnStat TaaEx 1 SaleAmt 230000 SaleMo 09 SakDa 04 SaleCe 20 SaleYr 07 DeedBkPage 200734282 YearBlt 1960 HF File Date 12/31/2007 HF_Approval_Status A e 2010 Tax Assesslment Database Page 1 of 1 ~' ~~ Citizens Bank 1-888-910-4100 Call Citizens' Rroneaenk anytime fa axcum iMarmatian, current mtes antl arrseers to your questions. U5259 BR294 ROBERT H STEINEMANN 921 HAMILTON ST CARLISLE PA '170'13-'1526 1 Checking Account Statement © a 2 Beginning January O6, 2012 through February 03, 2012 Checking surrARr - ROBERT H STEINEMANN Balance Calculation PATRICIA A STEINEMANN Previous Balance 17,050.97 Green Checking 621631-369-3 ~~ 85.00 - Wthtlrawals 16,887.95 - Deposits & Atldi[ions 2, 610.63 + Cur-nltBalance 2,688.65 = You ran waive the monthly maintenance fee of $4.99 by maintaining an average daily balance in your account of 57,500 or making 5 qualifying Vansactions. Your average daily balance this statement period is E7, 223 Your number of qualifying Vansactions this statement period is g Previous Balaree TRANSACTION DETAILS 17,D5D.97 ' Dwe is a beak in check sequence CM4t Ampmt Date Checkt Amant Date 224 85.00 02/01 n TMaI Greeks 85.00 tiFiUtdrawals A1M/Rrtdtases Dees Anaant Desrriptbn 01 /12 200.00 6064 POSDebit - 210000 US Treasury Net 800-487-45 67 DC Ol /12 3.95 6064 POS Debit - 270000 Tax Payymment Cfee 800-487-45 67 DC 07/13 25.00 6064 Dbt Purchase - Pc07 Cmnwlth Of PA 800-487456 7 PA 01 /73 3.95 6064 Obt Purchase - Pc01 Opay Cmnwlth Of Pa800-487456 7 PA Other Withdrawals Date Anqunt Dewiptbn 01/13 4,905.40 Chase Epay 1207121257146641 01/17 45.00 First Lutheran CContrilwti 120117 Xx012kog8jncd Oi/19 11,067.67 Online Transfer ToCheckirrpp6276313499 01 /23 10 98 Di E P . scover - ayment 12012D 0606 01/31 26.00 Discover E-Payment 7201300606 02/02 600.00 Online Transfer To Checking 6216313499 ^ /-1 Tom Withanwals 16,887.95 Member rplC Q fpual4lousnq tentler ~~ Citizens Bank ~-BBB-sTO-a3oo fan CicizeM Phane9ank anytime roraaount inttxmation, torten[ rates and amaers [oyour questions. Checking Account Statement © or 2 BeginningJanuary06, 2012 through February 03, 2012 Depnits & Additions Dra atttotatt Dexriptim 02/01 2, 444.50 Pub Emp Ret Sys Ret Benft 020112 K0736523 Pers 02/01 166.13 Pub Emp Ret Sys Ret Benft 020112 K0567580 Pers --~~~-- ~~ ~~ ~ DailyBalance LV.Q. ~ ~ Date 01/12 Balarce 16,847.02 lDab Balance pate 1/19 01/13 11,912.67 0 02/01 01/17 11,867.67 02/02 01/31 763.02 NEWS FROM CITIZENS --Important Information: The Monthly Maintenance Fee on Green or Personal Savings aatwnts can be waived by maintaining a $300 minimum Bailyy balance or via an automatic savings plan with a tleposit in each statement period of at leas[ $25. The Monthly Maintenance Fee on IRA Savings accounts can be waived by maintaining a E500 minimum daily balance or via an automatic savings plan with a deposit in each statement period of at least $25. Set up an automatic savings plan using Steady Save(R), GoalTrack Savings(SM) or Direct Deposit, or use Repeating Transfers through Online Banking to tleposit the requiretl minimum amount into your savings atxount to waive the fee on your account. _ --We all have savings goals. Whether it's a new home, a chiltl's education, retirement or being prepared for unexpectetl expenses, Citizens Bank makes it easy and rewartling for you to start saving. Creating an emergency savings account can prepare you for unexpected events and help you reach your savings goals. No matter what you're saving for, we have a great savings solution. Ask your banker about what savings accounts and programs are right for you. We also offer money market acoounts and CDs with competitive rates and the peace of mintl of FDIC insurance. For more information or to open a new account, visit your local branch today or call l-888-821-3900. Memher FDIC. See a banker for FDIC coverage amounts antl transaction limitations. --Give help. Give hope. Be inspired. Please join us in saluting our new Champion in Action at citizensbank.com/community. Bapnee 3,288.65 2,688.65 ROBERTH STEINEMANN PATRICIA A STEINEMANN Green Chedtirg 621637-369-3 n Loral l>epaitaaaA/alam 2,610.63 r=' Nrutt Balm 2,688.6$ MemFar FDIC Q Equei Hamina Lenner Page 1 Document Name untitled ~ ~ O ~~,~~ ~} ~ct,^nk IMI1 03/14/12 IMPACS KEY 060-000-0000-3693 STATUS 00-NORMAL ROBERT H STEINEMANN PATRICIA A STEINEMANN DT OPEN 05/01/07 S Z 02 LAST DEP 02/01/12 LAST MNT 04/19/11 MMDA IND # AMT TRANS # CHK ITEMS BAL HIST PFl-FORWARD PENNSYIYAN~A MAR 1 q 2012 0 0 0 0 ~hnw,~,~ -~'hqt v~~,,,:, ~4-~~fi'G,~ns ACCOUNT INQUIRY ~ 15 .4 . ~~~-~~AGE 01 OF 0: SIGN 0 TIN 2 CHARGE CARD NO SPECIAL INSTR NO NSF TODAY NO OD TODAY NO CON KITE DAYS 0 MTD KITE DAYS 0 OD LIM QNTX STOP PAY 0 BAL HIST RET 000 ACCOUNT TYPE 221 SYSTEM 'TYPE 021-JOINT AVAIL BALANCE 2,688.65 DDA AVAIL BAL 2,688.65 CURR BALANCE 2,688.65 ODP BALANCE SWEEP B]?.LANCE TOTAL HOLDS 0.00 BANK UNAVAIL 0.00 CUST UNe3VAIL 0.00 LAST DE]? AMT 166.13 MIN DDA BAL 0 AVG COL BAL 2,688 MTD AVG BAL 2,688 CYC ACR INT 0.000000 IOD PRJ ACR 0.000000 CHARGE-OFF AMT 0.00 NEW BALFINCE 2, 688.65 PF14-SVC CHG PF15-RATES ~C~ OUmk1L/1 G~' C.~'UM ~..C.f}Ux.~ n~,~en ~'~11e31 - 3b9-3, ~,~ -V-ha.. ~~U1 . - ~~~~~ ~ ~~l\~~( ROBERT H. STEINEMANN osp~ PATRICIA A. STEINEMANN 821 HAMILTON STREET CARLISLE, PA Y7013 225 9-7875/3Bp zea 8 ___. .. _. ._..._M Date-_ For ate 3 14/2012 Time 3 ~:0 3 60 76 1 50~: 62i63i3693u' D225 ~ Citizens Bank ~~~:yin~m ---~MetL fe MetLife Home Loans o..m~, or mmn~ an~k. rv.. 4000 HORIZON WAY, SUITE 100 IRVING, TX 75063 lii7POls7-rIIV7" 7r1i' ~~7-; ;:. j TAX PACKAGE CONTAINS TAX AND INTEREST STATEMENT & 1098 FORM 5-fi63-57590-0018788-004-1-f100-000-000-000 PATRICIA A STEINEMANN DARLENE A STEINEMANN 921 HAMIL70N BT CARLISLE PA 17013-1526 ACCOUNT HISTORY Customer Relations Hours MONDAY -FRIDAY 7:00 A.M. - 8:00 P. M., CT (888) 638-6964 LOAN NUMBER 0061778D07 If the Social Security Number or Tax I.D. Number shown below is incorrect or if the space is blank, please complete and return the T.I.N. Certification on the reverse side of the Statement to the address above. + . a . ~ . PATRICIAA STEINEMANN Property Addrus: 821 HAMILTON STREET TfUC YEAR: 2p11 DARLENE ASTEINEMANN CARLISLE PA 17013 LOAN NUMBER: 0061778007 921 HAMILTON ST CARLISLE PA 1701}1526 SOCIAL SECURITY NUMBER: 573.98-4587 STATEMENT DATE: 01/18/12 DISBURSEMENTS FROM ESCROW Property Tax $3,190.16 Hazard Insurance $539.00 PAYMENT RECONCILIATION Current Total Payment $1,445.51 Cument Escrow Payment $267.33 PRINCIPAL RECONCILIATION Beginning Balance $173,475.44 Applied Principal $2,883.84 Ending Balance $170591.60 ESCROW RECONCILIATION Beginning Balance $1,474.56 Deposits $3,362.47 Disbursements $3,729.18 Ending Balance $1,107.87 INTEREST RECONCILIATION RECIPIENT'S/LENDER'S name, address and telephone number MetLife Home Loans, A Division of MetLife Bank, N.A. 4000 HORIZON WAY, SUITE 100 IRVING, TX 75063 1-868.638-6964 PAVER'S/aORROWER'S name, street etldress (including apt. no.), city, state and ZIP code PATRICIA A STEINEMANN DARLENE A STEINEMANN 921 HAMILTON ST CARLISLE PA 17013-1526 0061778007 Interest Paid $11,401.66 'Mortgage Interest Received From $11,401.88 Payers(s)/Borrovrer(s) 'caution: the amount anown OMB NO. 1545-0901 may not be lolly deductible by you Limos based an the ken emw.mf T Mortgage .x rna Goer and value a m. A~.o. ' a te ~°~`~~~ ° ~ I ZO~ ~ interest a yoy ;;f a , _ acfuelty paid by you, end ylp( reimbursed by anofherperaon. Fonn 1098 $11.401.86. .. _.. _.._,_, FC P y6 pints paid on purchase of principal residence $0.00 melmomanan is eoxu• t x. s em a i. fund of overpaid interest 'aa°n"i'•• 0 mrom.nm v,e N $ .00 ee:,a n+Nwarcm. IN.m.I aM„w engage Insurance Premiums same.. nyu m ngirulle fl4 a rYUrn. $O.Op +^+WRm. a+a+rr m IXMr xn[Ibn envy pe Imyoue.„ yw n ne IRS Helmnima eW an unMN+Yme,• Mbx nwb Mawv. rw mraLeda Mtluplan Iw His nMyape inlvml w qr IMy paNV w bveaNe yw I7eP.avrY IWMYkabn XO. N1YCR9 up[tl uvuMy a0 ml noun rN9 22-3627804 573 98 458 °" r+`~' i'~ - - 7 m -s~:ij,~.~~ Prepazed By: -9999999999.99999, -9999999999.99999 _9999999999.99999 -9999999999.99999 Return To: FRNL - POST CLOSING MAZL ROOM 1555 W WALNUT HILL LN $200 NC 6712 IRVING, TX 75038 parcel Ntunber: Couaty: N/A City: N/A Premises: 921 IiANILSON STRHST Cniliele, Paaasylvania [Sp°~e Above TNe I.iae For Recordb:{ Datal -- MORTGAGE 006177R°°' MIN 10iD085200617780079 DEFINTCIONS 3. 11~13,e18 20 uand 215 Certain rules regard n8tthe usage of words used in this tlocument~are~also provided in Section 16. (A) "Security Instrument" means this documnt, which is dated August 28th, 2007 together with all Riders [o this document. (B) "Borrower" is PATRICIA A STHINBMANN ~ DARLHNE A ST8IN8MANN & ROSARY H STBINENANN Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mottgage Electronic Registration Systems. Inc. MERS is a scpara[e co[poratione untdercthis solely as a nominee for Lender and Lender's successors and assigns. MERS h the mortgage Security Instrument. MERS is organized and existing tinder the laws of Dclavraze, and has an address and [elephone number of P.O. Box 2026, Flint MI 48501-2026, tel. (888) 679•MERS. PENNSYLVANIA -Single Family - Fannls MaMFreddle Mec UNIFORM INSTRUMENT WILT'1IH MERS Wolters Kluwer Fnancial Services I ~~~ ~ I~ II VMP ~-6A(PA) losael.m Form 9039P ~ 1 'I~II1ryl e.9a: d ~s ionise:. oas a~Ear ~~_ (D) "Lender" is FIRST HORIZON xoNS LOANS, A DIVISION 08 DIRST T8NN8898B SANK N.A. Lertder is a NATIONAL HAN1t organised and existin6 ttrtder the laws of TH8 t1NiT8D STAT88 OF ANSRICA Lender s address iS 4000 HORIZON WAY, IRVINO, TSXAS 75063 (E) "Note" means the promissory note signed by Borrower and dated August 2Hth, 2007 The No[e states that Borrower owes Lender i)allazs ONH HVNDRSD EIGHTY FOVtt THOUSAxO & 00/100 p.y (U.S. $ iH4, 000.00 )plus interest. Borrower has promised m [ this debt in regular Periodic Payments and to pay the debt in full not later than SBPTHNBSR 1. 2037 (F) "Property" means the property Otat is described below under the heading "transfer of Rights in the Property." m charges and late charges (G) "Loan" means the debt evidenced by the No[e, plus interest, any prepayme due under the Note, and all sums due under this Sectrity Instrtunent, Plus interest. (}p "Riders" means all Riders m this Security Instrument that aze executed by Borrower. The following Riders aze to be executed by Borrower [check box as applicable]: [] Condominium Rider ~ Secorul Home Rider ^ Adjustable Rate Rider ~ 1-0 Family Rider 0 Balloon Rider ~ Planned Uni[ IXvelopment Rider ~ Other(s) [specify] VA Rider - 0 Biweekly Payment Rider (I) "Applicable Lsw" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative sties and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. _ (d) "Community Assaciatlon Dues' Fees, and Assessmen b" the ~o~~ a ~socsation~, homeowners charges that are imposed on Borrower or the Property y association or sitnilaz organization. dIraft, or~similaz p per~instrtmtent which is initia edrthrough an electr~c temi'inal.otelephonice instrumem, computer, or magnenc tape so as to order, iastruct, or authorise a financial institution to debit or credit an account. Such term includes, bin is not limited to, point-of-sale vansfers, automated teller machine transactions, transfers initiated by telephone, wire vansfers, and automated clearinl;house transfers. (L) ' Fscrow Items" means those items that are described in Section 3. (M) "Miscelipneous proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages of all or any pattcof the Prfopetty; damage to, or destruction of, the Property; (ii) cottdetmation or other taking (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the txmpayment of, or default on, e Loan. rutci al and interest under the (O) "Periodic Payment" means the regularly scheduled amount due for (i) p p Note, plus (ii) any amounts under Section 3 of this Security Instrument. 0 0 6177 8 0 07 '""'a's' Pa9asm+e ~~~ ~-__t-6orm x039 1Po7 ~~'~- (>~ "RFSPA" means ~ Re ulationtX (24 CnFnR Part 3500), asctthey tmghCbe atnrndedfrom time [o~ime~ implementing regal B or anY additional or suc~PA 1e efers to alirrequairementsta d res rictions~ at~aze imposed Am regazd to a Security Instntment, " e loan' federally related mortgage loan" even if the Loan does not qualtfy as a "federall,y related mortgag under RESPA. that has taken title to the Property, whether or not (~ "Successor in Interest of Borrower" means anY PAY that party has assumed Borrower's obligations under the Note and/or this Security Itu~trument. TRANSFER OF RIGHTS IN THE PROPERTY Ibis Security Instrument secures to Lender: (i) the repaymen[ of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants artd agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey w MERS (solely as nominee for Lender and Lender's successors and assigns) 7~ t"o n ~~ ~c~urisd crioan] assigns of MERS, the following described property located in the County l Yve [Name of Recording Jurisdicdonl: of Cumberland All that tract or parcel of laced ae shown on Schedule "A" attached hereto which ie incorporated herein and made apart hes•eof. which cuttently has the address of (street] 921 HAMILTON STRSER' (Cltyl. pennsylvania 17013 ]Zip Codel Carlisle ("Property Address"): TOGETHER WITH al] the improvements now or hereafter erected on the property, and all easements, appttrtettances, and futures now or hereafter a part of the proQerty. All replacements and additions shall also be covered by this Sectuity Instrument. All of the foregoing rs referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the mterests granted by Borrower m this Security Instrument, but, rf necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right to exercise any or all Hof those interests, including, but not limited w, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Securtty Instrument. 0 0 6177 8007 ~^~'~•~r~ LK=? v.c" a a +s ~An ~ ~~rm 3039 1N7 VMP ~tA(PA) (osoa)o+ Y~'~~ BORROWER COVENANTS that Borrower is lawfully seised of the estate Inereby conveyed and has the right to mottgage, grant and convey the Property and that the Property is unencumbered, except for enctunbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, sub)ect to any enctmibrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited vaziations by jurisdiction [o constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and mree~ C~°.g s~ and Late Charges. I. Payment of Principal, Interest, Escrow Items, Prepay Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Insttvmrnt shall be made in U.S. currency. However, if any check or other instrument received by Lender as paymem under the Note or this Security Instrument is returned to Lender unpaid, I-under may require that any or all subsequent payments due under the Note and this Security Insttvtnem be made in one or more of the fallowing forms, as selected by Lender: (a) cash; (b) money order, (c) cettified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits aze instued by a federal agency. instnmtentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Leader when received at the location designated in the No[e or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may ret[un any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any paytnen[ or pattial payment insufficient to bring the Loan cturent, without waiver of any rights hereunder or prejudice ro its right at the time such~rrnenzs are a tcePted [f each the future, but Lender is not obligated to apply such payrne Pay Periodic Payment is applied as of its scheduled due date. then Lender need no[ pay interest on unapplied fiords. Lender may hold such unapptied funds until Borrower snakes payment to bring the Loan current. If Borrower does not do so within a reasonable period of tithe, Lender shall either apply such funds or return them to Borrower. If not applied eazlier, such funds will be applied [o the outstanding principal balance under the No[e immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making paymenzs due under the Note and d[is Security instrument or performing the covenants and agreements secured by this Security Instrument. 2. Applicatlon of Payments or Proceeds. Except as otherwise described N this Section 2, ail payments accepted and applied by Lender shall be applied in [he following order of priority: (a) interest due under [he Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amotmzs shall be applied first to late chazges, second [o any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payrnem and the late chazge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in inniaia: PA'S Paeesa t6 h~A ~~.Porm 3D39 ~IO~ VMP ~-BA(PA) (asoe).oi ~.1FT.~ ~~ full. To the exunt that any excess exists after the payment is applied to the full paymenaofents sballobe Periodic Paymenu, such excess may be applied to any late charges due. Voluntary p p ym applied first to any prepayment charges and then az described in the No[e. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under dte Note shall not extend or postpone the due date, or change the amoum, of dte Periodic Paymenu. 3. Funds for Escrow Items. Borrower shall pay to Lender on dte day Peroodcl: Paymenu are due under the Note, until the Nou is paid in full, a sum (the "Funds") m provide for payment of amounts due for: (a) taxes and azsessrnertts and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leazehold paytnenu or ground rents on the Property, if any; (c) premitums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. 'these items are called "Escrow turns." At origination or at any time during the arm of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assesstnenns shall be an Escrow Item. Borrower shall promptly furnish ~to Lender al] notices of amouts m be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow turns. Lender may waive Borrower's obligation to pay to Leander Funds for any or all Escrow Items at any time. Any such waiver may only be in wzi[ing. in the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow lutes for which payment of Funds haz been waived by Lender and, if Lender requires, shall famish to Lender receipts evidencing such payment within such time period az Lender may require. Borzower's obligation to make such payments and io provide receipts shall for all purposes be deemed to be a covenant and agreetnem contained in this Security Instrrument, az the phrase "covenant and agreement" is used in Section 9. If Borrower is obligaud [o pay Esczow sums directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligaud under Section 9 to repay to Lender any such amount. Lender may revoke the waiver az to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shalt pay to Lender all Funds, and in such amounts, that aze then required under this Section 3. Lender tray, a[ any time, collect and hold Funds in an amount (a) sufficient to permit Lender m apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on [he basis of current data and reasonable estimaus of expenditures of future Escrow lams or otherwise in accordance with Applicable Law. The Funds shall be held in an instiu[ion whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are sa insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no lour thatr the time specified under 2FSPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Iums, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is make in writing or Applicable law requires interest to be paid on the Funds, Lender shall not be requ'ved to pa;y Bortower any interest or earnings on the Funds. Borrower and L.endet can agree in writing, however, that inurest shall be paid on the InM1iab. ~Z VMP ~bA(PA) tosoe~.oi Pap" s a to ^~- ~orm 3039 1/01 ~~! t'1~ ~~ Funds. Lender shall give [o Borrower, without chazge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, aztd Borrower shall pay [o Lender dte amount necessary to make up [he shortage in accordance with RESPA., but in no more than I2 monttily payments. if there is a deficiency of Futxls held in escrow, as defined under RESPA, Lender shall notify Hortower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 rnondily payments.. Upon paytnem in full of all sums secured by this Security Instrurrtent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposi[ioas attributable to the Propeny which can attain priority over this Security Instnttneiat, leasehold payments or ground roots on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over this S'~ecurity Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien. in a rrtattner acceptable to Lender, but only so long as Borrower is performing such agreement; tb) contests tits lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lendei s opunion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender sultordinating the lien to this Security Instrument. If Lender detetmutes that any part of the Property is subject to a lien which can attain priority over [his Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay aone-time chazge far a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurtutce. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazazds included within the term "extended. coverage," and any other hazazds including, but not limited to, earthquakes and floods, for which Lender requves insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change d[uing the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject m Lender's right to disapprove Borrower's choice, which right shall no[ be exercised umeasomlbly. Lender may require Borrower [o pay, in connection with this Loan, either: (a) a one-time chazge for flood zone determination, certification and tracking services; or (b) a one-time chazge for flood zone determination and certification services and subsequent chazges each time remappings or similar changes occty which reasonably might affect such determutation or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the~~ review of any flood zone determination resulting from an objection by Borrower. Iniuale'. ~1~ VMP ~'-BA(PA) lo5oe).oi Page 8e118 Q~ ~r'FOrm 9099 1/Ot I`~~ [f Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any pazliculaz type or amount of coverage. Therefore, such coverage shall cover L.e:nder, but might or might no[ proud Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazazd or liability and might provide greater or lesser coverage than was previowly in effect Bortower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance [hat Borrower could have obtained. Any arttounts disbursed by Lender tinder this Section 5 shall become additional debt of Borrower secured by this Security Instrument These amounts shall beaz inures[ az the Nou rate from the dau of disbursement and shall be payable, with such interest, upon notice from Lender to Bortower requesting paytnem. All insurance policies required by Lertder and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall ittdude a standard mortgage clause, and shall [tarns Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal ceriificates. If Leader requires, Borrower shall prompdy give [o Lender all receipts of paid premiums and renewal rtotices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard rnongage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice [o the insurance c[[[rier and Lettdet. Lender may retake proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or [tot the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is e:corwmically feasible and Lender's security is not lessened. During such repair and restoration period, Len[ter shall have the right to hold such insurance proceeds until Lender has had an oppornudty [o inspect such Property [o ensure the work has been compleud to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or N a series of progress payments as the work is compleud. Unless an agreement is made N writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusurs, or other third parties, retained by Borrower shall no[ be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or oot then due, with dne excess, if any, paid to Borrower. Such insurance proceeds shall be applied ¢t the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance cazrier has offered [o settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquves the Prolxrty under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by I3onower) under all insurance policies covering the Property, insofaz as such rights aze applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument whether or not then due. mniaia'. r~i"~ VMP ~~6A(PA) (osoe).m Page v a t6 flPl~! ~~,~orm 30a9 1101 ~I r,K L- 6.Occupancy. Borrower shall occupy, establish, and use the Property as Bottower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year aRer the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be tuueasonably withheld, or unless extenuating circumstances exist which aze beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspectlorts. Borrower shall not destroy, damage or impair the Property, allow the Property m deteriorate or co[nnut waste on the Property. Whether or not Borrower is residing in the Property, Bottower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall protr~pdy repair the Property if damaged to avoid htrther deterioration or damage. [f insurance or condemnation proceeds are paid in connection with damage m, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agem may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during Ute Loan application process, Borrower or any persons or entities acting at the direction of Borrower or widt Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statemems to Lender (or failed to provide Lender with material infomtation) in connection with the Loan. Material n:presentations include, but are not limited to, representations concerning Borrowei s occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rlghfa Under this Security Instrument If (aj Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under [his Security Instrument (such as a proceeding in battkruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or [o enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Properly and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Properly. Lender's actions can include, but are not 1'united to: (a) paying any stuns secured by a lien which has priority over this Security Instrttrnent (b) appearing in tour[: and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or righu under this Security Instrument, including its secured position ¢t a bartkrup[cy proceeding. Securing the Property includes, but is no[ l'united u>, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities tamed on or off. Although Lender tnay take action under this Section 9, Lender does no[ have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for no[ taking any or all actions authorized under this Section 9. imiare ~~ VMP ®iA(PA) Wsa9l.oi vase e a is t1 t~ - .. - ` dorm 3039 7101 U 4._,t F~J~JI~ Any amounts disbursed by Lander under this Section 9 shall become achii[ional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at d e Note race from the date of disbursement and shall be payable, with such interest, upon notice from Latdt;r to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shah not merge unless Ixnder agrees to [he merger in writing. 10. Mortgage Insurance. If Lander required Mortgage Insurance as a condition of malting the Ivan, Borrower shall pay the prernittms required to maintain the Mortgage Insurance ini effect. If, for any reason, the Mortgage Insurance coverage required by Lander ceases to be available from. the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent m the Mortgage lasurance previously in effect, at a cost substantially equivalent m the cost to Borrower of the Mortgage Insurance previously m effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue m pay to Lander the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lander will accept, use and retain these payments as anon-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall benon-refundable, notwithstanding the fact that the Lean is ultimately paid in full, and Lender shall not be required to pay Borrover any inerest or earnings on such loss reserve. Lander can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Cander requires) provided by an insurer selected by Lander again becomes available, is obtained, and Lender requires separately designated payments mward the premiums for Mortgage Insurance. If Larder required Mortgage Insurance as a condition of matting [hr, Loan and Borrower was required to make sepazately designated payments toward the premiums for Mortgage Instuance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or ur provide a wn-refundable loss reserve, until Iander's requirement for Mortgage Insurance ends in accordance avith any written agreement between Borrower and Lander providing for such termination or until termination is required by Applicable law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Nore. Mortgage Insurance reimburses Lander (or any entity that purchases dte Note) for certain losses it tray incur if Borrower does not repay the Loan as agreed. Borrower is not a parry to the Mortgage Insurance. Mortgage insurers evaluate then total risk an all such insurance m force from tune m tithe, and may enter into agreements with other parties that shaze or modify their risk, or reduce losses. These agreemenu are on terms and conditions that are satisfactory to the mortgage insurer and the odter party (or parties) to these agreements. These agreemems may require the mortgage inswer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lander, any purchaser of the Note, atw[her insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounu that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for shazing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the azrangemeat is often termed "captive reinsurance." Further. (a) Any such agreements will not affect the amounts that Borcnwer has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. Initials. ~~~ VMP ®~A(PA) I~50e1.9+ vage 5 W ~6 ~~~ ~ 3038 i/at /~"T (b) Any such agreements will not affect the rights Borrower has - i[ any -with respect to the Mortgage Insurance under the Homeowners Protection AM of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellatbn o[ the Mortgage Insurance, to have the Mortgage Instrance terminated automatically, and7or to receive a reftmd of any Mortgage Insurance premiums that were unearned at the time of such tsncellatlon or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. Atl Miscellaneous Proceeds are hereby assigned to and shall be paid [o Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repau of the Property, if the restoration or repair is economically feasible and Lender's sectrity is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneotu Proceeds until Lender has had an opportunity to inspect such Property to ensure [he work has been completed to Lender's satisfaction, provided thaz such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall no[ be requited to pay Borrower any interest or earnings on such Misl:ellaaeous Proceeds. If the restoration or repair is not economically feasible or Lendei s security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether. or trot then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied icl the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, dte Miscellaneous Proceeds shall be applied [o the sums secured by this Security Instrument, whether or not tblen due, with the excess, if any, paid to Bottower. In the evem of a partial taking, destruction, or toss in value of the Propemt in which the fair market value of dte Property immediately before the parial taking, destruction, or loss in value is equal to or greazer than the amount of the stuns secured by this Security Instrument immediately before the partial taking, destmction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amoum of the sums secured immediately bfforr, the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or lass in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or lass in value of the Property/ in which the fair market value of the Property immediately before the panial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destmction, or loss in value, unless Horzower and Lender otherwise agree in writing, [he Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether ar not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lertdet to Borrower thaz the Opposing Party (as defined in the next sentence) offers [o [[take an award to se[Ue a claim for damages, Borrower fails to respond to Lender within 30 days after the date dte notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Patty" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure surh a default and, if acceleration has occurred, reinstate as provided in Section l9, by causing the action or proceedling to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Inpial6' ~~, VMP~~~6A(PA) fosoeFOi Page ,orals CiQ1~)~~+--.. >:orm 3039 1101 ~ r1~r~ ~~ Lender's interest in the Property or rights under this Secwity Instrument. The proceeds of any awazd or claim for damages that are attributable to the impairment of Lender's interest in the: Property aze hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that aze not applied to restoration or repair of the Property shatl be applied in the order provided for ro Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Eixtension of the time for payrcent or modification of amortization of the sums secwed by this Secwity Insuument granted by Lender to Borower or any Successor in ln[erest of Borrower shall not operate to release rite liability of Borower or any Successors in Interest of Borrower. l.eruier shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse [o extend time for payment or otherwise modify amortization of the sums secured by this Secwity Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entiries or Successors in Interest of Borrower or in amounts less than the amount then due, shall twt be a waiver of or preclude the exercise of any right or remedy. 13. Jo1nt snd Several Liability; Co-signers; Successors and Assig;rts Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be join[ and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-sigt»ng this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated [o pay the sums secwed by this Secwity Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regazd to the terms of this Secwity Instrutnem or the Noze without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrurnem in writing, and is approved by Leander, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shtd] not be released from Borrower's obligations and liability under this Security [tutrument unless Le~.nder agrees to such release in writing. The covenants and agreements of this Secwity Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services ~xrformed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Secwity Instrument, including, but not Limited [o, attorneys' fees, property inspection and vahtation fees. In regazd to any other fees, the absence of express authority in this Security Instrument to chazge a specific fee to Borrower shall no[ be construed as a prohibition on the chazging of such fete. Lender may not charge fees that aze expressly prohibited by this Secwity Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan chazges, and that law is finally interpreted so [ha[ the interest or other loan chazges collected or [o be collected in connection with the Loan exceed [he permitted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitted limit and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing; the principal owed under [he Vote or by making a direct payment to Borrower. If a refund reduces princiipal, the reduction will be treated as a partial prepayment without any prepayment charge (whether Or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of surh overcharge. inmaia'. ~~_ VMP ~°-6A(PA) ~osoe~.o~ Page H of t6 D~ ~_,,$orm 3039 1Po7 /~' "a/ ~ 15. Notices. Ail notices given by Borrower or Lender in connection widt this Security Instrument must be in writing. Any notice to Borrower in cortttection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice [o all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through tltaz specified procedure. There may be only one designated notice address ur[der this Security Instrument at any orte times Any notice to Lender shall be given by delivering it or by [nailing it by firs[ class mail [o Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given [o Lender until actually received by Le[tder. If any notice requved by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is locaud. All rights end obligations conained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow dte parries to agree by comract or it might be silent, but such silence shall not be conswed as a prohibition against agreement by contract. In the event that any provision or clause of this Security ]nstrument or the Note coMicts with Applicabl[: Law, such conflict shat] not affect other provisions of this Security Instrutent or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include coreesponding neuter words or words of the feminine gender, (b) words in the singulaz shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. . I8. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but trot limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a. purchaser. If all or any par[ of the Properly or any Interest in the Property is sold or transfersed (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior wrinen consent, Lender may require immediate payment in full of all stuns sectued by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, 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 given in accordarke with Section 15 within which Borrower must pay all sums secured by this Security lastnur[ent. If Borrower fails to pay these sums prior m the expiration of this period, Lender may invoke any remedies pe~~rmitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If $ortower [meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument disco:n[im[ed at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instwnent; (b) such other period as Applicable Law might specify for the teamit[a[ion of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security Instrument and the Note as it no acceleration had occurred; (b) cures any default of any other covenants or agreements; (e) pays all imrais: _ VMP ~-6A(PA) tosoe: m aaye iz a ~e ` -_ nit, Form 3039 7101 ~~ expenses incurred in enforcing this Security Instrument, including, but not Iunited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to asstue that Lender's interest in the Property and rights utdt:r this Security Instrument. and Borrower's obligation to pay the sums secured by this Security Ins[rumen[, shall continue unchanged. Lender may require that Borrower pay such reinstatement Burns and expenses in ore or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose depaiits are insured by a federal agency, instrumentality or entity; or (d) Elecvonic Funds Transfer. Upon reirtsertercent by Borrowec, this Security Instrument and obiigations secured hereby shall remain fully effective as if no acceleration had occurted. However, this right m reinstate shall no[ apply in the case of acceleration under Section tg. 20. Sale of Note; Change oP Loan Servicer; Notice of Grievance. The Nou, or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice ro Borrower. A sate might result in a change in the entity (]mown as the "Loan Servicer") that collects Periodic Payments due order the Nate and this Security Instrument and performs other mortgage loan servicing obligations order the Note, this Security Instrument, and Applicable Law. There also might be one of more changes of the Loan Servicer unrelated m a sale of the Note. If there is a change of the Loan ;Servicer, Borrower will be given written notice of the change which wd] state the name and address of the new Loan Servicer, the address to which payments shadd be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the No[e is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be vansferred to a successor Loan Servicer and aze not assttmed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, of be joined to any judicial action (as either an individual litigant or the member of a class) that azises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other parry (with such notice given in compliance with the requiretnen[s of Section IS) of such alleged breach and afforded the other parry hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a tune period which must elapse before certain action can be taken, that time period will bt: deemed [o be reasonable far purposes of this paragraph. The notice of acceleration aid opportunity to cure given [o Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy tbe notice and opportunity to take corrective action provisions of this Section ;t0. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic pevoIeum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Pro~xrry is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" hrcludes any response action, remedial action, or removal action, as defined in Environmental Caw; and (d) an "E[nvironmental Condition" means a condition that can cause, convibute to, or otherwise vigger an Envirotunentai Cleanup. VMP @diA PA miuais. P~_ ( ) t~~)~~l Paga 1J of ID t1A~ .l. _ Form 3039 1/01 ~hf/~~ T Borrower shall not cause or permit the presence, use, disposal, storage, or releaze of any Hazazdous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violauion of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazazdous Substance, creates a condition that adversely affects the value of [he Property. The preceding two sentences shall not apply to the presence, tree, or storage on the Property of smdl quantities of Hazardous Substances that aze generally recognized to be appropriate to normal residenpal uses and to maintenance of the Property (including, but tint limited to, hazazdoiu substances ro consumer products). Borrower shall promptly give Lender wriuen notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but trot limited to, any spilling, leaking, dischazge, release or threat of release of any Hazazdous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is ratified by any govemmental or regulatory authority, or any private party, that any removal ca otlur rearediaion of any Hazazdous Substance affecting the Property is necessary, Borrower stroll promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any olbligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 2Z. Acceleratlon; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Lew provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the defauh; (c) when the default must be cured; and (d) that failure to cure the defsuR a5 specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by Judicial proceeding end sale of the Property. Lender slwll further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the nonexistence of a default or any other deferrse of Borrower to acceleration and foreclosure. If the default k not cured es specified, Lender at its option may require immediate payment in full of aB Bruns secured by this Security Instrument without /uulher demand and may foreclose this Securtty Instrument by judicial proceedina. Lender shell be entitled to collect all expenses Incurred In pursuing the remedies provided in this Ion Z2, including, but not limited to, attorneys' fees and coats of title evidence to the extent permitted by Applkabk Iaw. 23. Release. Upon payment of all sums secured by this Security [ns[rutnent., this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Iznder shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may chazge Borrower a fee for releasing this Security Instrument, but only if the fee h paid to a third party for services rendered and the chazging of the fee is permitted under Applicable Law. 24. Waivers. Borsower, to the extent Qermitted by Applicable Law, waives and releases any error or defects in proceedings to enforce [his Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attat;hmen[, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section l9 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Prurhase Money Mortgage. If any of the debt secuued by [his Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. VMP ~$A PA inn ais. ~~_ ( ) [osoe).m page w a is ~S ~~ J,~Fprm 31139 1/f11 ~G~ - BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ~C~J4~/~ " (Seal) PATRI IA ANSIQANN -gortower ~acl, R.~.A,~• aa«~~ ~' ~~ t~1Hr- (Seal) DARLffii8 A 8T8Z -Hortower ~~~~-?~ 1TS~2~~~/(Seal) ROH8RT H BTBI -Borrower 0061778007 _ (Seal) -Borrower _ (Sea!) -BOrtower _ (Seal) Harrower _ (Seal) -Borrower _ (Sea]) Borzower VMP ®-8q(pq) (o5pgym Pnge i5oi ie FOfm 3039 1/01 /' -1 COMMONWEALTH OF PENNSYLVANIA, ODMgggLArtD County ss: On this, the ~~ daY of ~ `~~ 7 ,before me, the undersigned officer, personally appeared f PATAICIA A ST&INS.fANN Ir~}Urp(.,I.(((.lly, [l/~ld Qs PdQ ,rvr p,~u-«e-QS-tQ~n2m~thn DARLSHH A STBINffidANN AOSEAT H STHIlfffiiANN known to the (or satisfactorily proven) to be the person(s) whose name(s) islaze subscribed to the within instrument and acknowledged that helshe/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: ~ , COMMONWEALTH OF PENNSYLVANIA NUariel Seel Kemele S. Common, Notary Public South Mlddeton Twp.; Cumberland County -ytOmmission Expires June 28, 2010 Member. Pennsylvania Association of Notaries Tide of Officer Certifica of Resldlm~ I'~ ' l , do hereby certify that the correct dress of -the vnthin- d Mortgagee is P.O. Box 2026, Flint, MI 46501-2026. Witness my hand this ~.~ 0061778007 VMP ®fiA(PA) losos).m ~'V ' ~,~i~eia pg5 Page rod ~s ~~' (~t~Form 1039 1101 stewart C-title guaranty company SCHEDULE A (continued) File No. 5100-670 Commitment No. 3100-670 LEGAL DESCRIPTION ALL THAT CERTAIN tract of land with improvements thereon erected situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the southem side of Hamilton Street, which point is at corner of Lol No. 21 on the hereinafter mentioned Plan of Lots; thence southwardly along Lot No. 21, a distance of 200 feet to a point in line of Lot No. 9; thence westwardly along Lot No. 9, a distance of 100 feet to a point in line of Lot No. 19; thence northwardly along Lot No. 19, a distance of 200 feet to a point in the southern side of said Hamilton Street; thence eastwardly along the southern side of said Hamilton Street, a distance of 100 feet to a point, the place of BEGINNING. ALTA Commitment Schetlule A (continued) ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1COURTHOUSESQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200734284 * Total Pages - 18 Recorded On 9/4/2007 At 8:50:58 AM * Instrument Type -MORTGAGE User ID - JM Invoice Number - 3647 * Mortgagor - STEINEMANN, PATRICIA A ONIC REGIST RATION SYSTEMS, INC. * Mortgagee -MORTGAGE ELECTR * Customer - SALZMANN ~---- * FEES Certification Page STATE WRIT TAX $0.50 00 O $10 . STATE JCS/ACCESS T DO NOT DETACH JUSTICE $37.50 RECORDING FEE5 - RECORDEA OF DEEDS This page is now part AFFORDABLE HOUSING $11 • so of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 ~- TOTAL PAID $64.50 I Certify this to be recorded in Cumberland County PA 0 ~ v RE/~ CORDE~ D DS '~ ~t~so + -Information denoted by an asterisk may change during the verification process and may not be re0eeted on this page. 0003CL I IIIIIIIIIII~ IIIIIIIIIII a~A ~i ASSIGNMENT OF MORTGAGE KNOW ALL MEN HY THESE PRESENTS that "Mortgage Electronic Registration Systems, Inc." hereinafter "Assignor" the holder of the Mortgage hereinafter mentioned, for and in consideration of the sum of ONE DOLLAR (5 L00) lawful money unto it in hand paid by Metlife Home Loans, A Division of MetD[e DaNq N.A., "Assignee;' the receipt whereof is acknowledged, has granted, bargoined, sold, assigned, transferred and set over unto the said Assignee, ire successors and assigns, ALL THAT CERTAIN Indenture of Mortgage given and execukd by PA'fR[CIA A STEINEMANN, DARLENE A. STEINEMANN and ROBERT H. STEINEMANN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED AS A NOMINEE FOR FHtST HORIZON HOME LOANS, A DIVISION OF FIRST TENNESSEE BANK N.A., bearing the date OBf28R007, in the amount of 8184,000.00, together with [he :Vote and indebkdness therein mentioned, said hiongage being recorded on 09/04/2007 in the County of CUMBERT.AND, Commonwealth of Pennsylvania, in Mortgage Instrument No. 200734284, MIN: 1000852 0061778007 9. Being Knuwn as Prcnuscs: 921 HAMILTON STREET, CARLISLE, PA 17013 P;uccl No: 29-19-1639-157 'The transfer of the mortgage and accompanying rights was effective at the time the loan was sold and consideraton passed to the Assignor. This assignment is solely inrended to describe the instrument sold in a mawer sufficient ro put thud parries on public notice of what has been sold, .41so the Bond or Obligation in the said Indenture of Mortgage recited, and all Moneys, Principal and Interest, due and to grow due thereon, with the Warrant of Attorney [o the said Obligation annexed. Together with all Pdghts, Remedies and incidents ihcrcun[o helonging. And all its Right, Title, Interest, Property, Claim and Demand, in and to the same: TO HAVE, HOLU, RECEIVE AND TAKE, all and singular the hereditamenis and premises grankd and assigned, or menuoned and inknded so to be, with the appurtenances unto Assignee, its successors and assigns, [o and for its only proper use, benefit and behoof forever; subjece, nevertheless, m the equity of redemption oC said Mortgagor in the said Indenture of Mortgage named, and his/her/their heirs and assigns therein. IN WITNESS WHEREOF. [he said "Assignor" h~ ~ ~ sad its Co orate Seal to erein affixed and These presents to be duly executed by its proper officers this ~ day of _ a.~ 20 Mortgage Electronic Registration Systems, loc. Scaled and Delivered ~ ~ MlChael Fisher Vice President in the presence of us; Texas Sialc tlf .~. County ofOall~ 55. r Michael Fish~Y''~'r ~ day of Q~" 20~,, before me, the subscriber, pezsonally appeared wha acknowledged hiMherself to be the Vice President of Mortgage Electronic Registration Systems, loc., and that he/she, as such Vice President, being authorized to do so, extmuted the foregoing instmment for [he purposes therein contained. '~`~ ~W::Y::ny, SHERIAN HOPKINS IN WITNESS WHEREOF, I hereunto set my hand and rcial seal. //' :'°"~ ,,s~ Notary Public, State of Texas L,i., My Commission Expires 's~`v'„i' o7irFF JuIY 06, 2013 Stamp/Seal: ~~ Notary Public The precise address of the within naured ~ ABer recordi return to: Assignee is: Phelan Hellinan & Schmieg, LLP 4000 HORIZON WAY 1617 JFK Boulevard, Suite 1400 IRVING T%, 75jWb One Penn Center Plaza By: I~/~1, . ! °V--rL-I~v~_' Philadelphia, PA 19103 (FOf Assignee) Mlchaei Fisher November 5, 2009 D/rennMnt Execution 0061778007 PIiS R 218209 Stewart title guaranty company SCHEDULE A (continued) File No. St00-670 Commitment No. S700-670 LEGAL DESCRIPTION ALL THAT CERTAIN tract of land with improvements thereon erected situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the southern side of Hamilton Street, which point is a wrner of Lot No. 21 on the hereinafter mentioned Plan of Lots; thence southwardly along Lot No. 21, a distance of 200 feet to a paint in line of Lot No. 9; thence westwardly abng Lot No. 9, a distance of 100 feet to a point in line of Lot No. 19; thence northwardly along Lot No. 19, a distance of 200 feet to a point in the southern side cf said Hamilton Street; thence eastwardly along the southern side of said Hamilton Street, a distance of 100 feet to a point, the place of BEGINNING. ALTA Commitment Scnetlule A (conflnuedJ ROBERT P. ZIF.GLER RECORDER OF DEEDS CUMBERLAND COUNTY 1COURTHOUSESQUARE CARLISLE, PA 17013 717-240-6370 lnsirumcnt Number - 200940447 Recorded On 12/4/2009 At 10:52:32 AM * Instrument Type -ASSIGNMENT OF :MORTGAGE Invoice Number - 57169 User ID - AF * Mortgagor - STEINF.MANN, PATRICIA A * Mortgngee - METLIFE HOME LOANS, 11-11-09 * Customer -JAM TRANSFERS *FEES STATE WRIT TAX $O.SD STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $37.00 * Total Pages - 3 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA or euMS `\Ni ~ ,~ ; P:F.CORDER O D EDS >- ~~~ ~ nso * -Information denoted by an asterisk may change during the verification process and may not be reflected on [his page. ~ III II 111111111 IIII