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HomeMy WebLinkAbout04-5563SHAPIRO & KREISMAN, LLC BY: DAVID FEIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 82628, 59621 & 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 1665 Palm Beach Lakes COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: C~~I. - ~ld.~ C~.t v ~~~~-~'~. West Palm Beach, FL 33401 PLAINTIFF VS. Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 DEFENDANT COMPLAINT -CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 4 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A LISTED EN LA CORTE. SI LISTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, LISTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. LISTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI LISTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA LISTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. LISTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA LISTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 SHAPIRO & KREISMAN, LLC BY: DAVID FEIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 82628, 59621 & 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 1665 Palm Beach Lakes COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: Oil - S'S'43 ~~u ~L`~"~-~ West Palm Beach, FL 33401 PLAINTIFF VS. Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 DEFENDANT COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, the address of which is, Ocwen Federal Bank, FSB, 1665 Palm Beach Lakes, West Palm Beach, FL 33401, brings this action of mortgage foreclosure upon the following cause of action: 1. Parties to Mortgage: Mortgagee: New Century Mortgage Corporation Mortgagor(s): Rhona Rice (b) Date of Mortgage: March 1, 2002 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1751 Page 4980 Date: March 13, 2002 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: New Century Mortgage Corporation Assignee: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One, Inc. Trust 2002-HE1 Mortgage Pass-Through Certificates Series 2002-HE1 As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 4. The real property which is subject to the Mortgage is generally known as 924 Forbes Road, Carlisle, Pa 17013 and is more specifically described as attached as part of Exhibit ~~A~~, 5. The name and mailing address of each Defendant is: Rhona Rice a/k/a Rhona H. Rice, 924 Forbes Road, Carlisle, PA 17013 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of April 1, 2004 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. The following amounts are due as of October 31, 2004: Principal of Mortgage debt due and unpaid Interest currently due and owing at 7.49% per annum calculated from March 1, 2004 at $30.85 each day Late Charge of $53.54 per month assessed on the 16th of each month from April 16, 2004 to October 16, 2004, (7 Months) Suspense/LTnappliedBalance Accrued Late Charges Property Inspection Title Search/Report Fees Attorneys' Fees and Costs TOTAL. $150,341.96 $7,558.25 $374.78 ($896.54) $428.32 $10.50 $250.00 $1,500.00 $159,567.27 9. Interest accrues at a per diem rate of 30.85 each day after October 31, 2004 that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et sec ., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: BY: Ilana Zion, Esqu Attorney for Plaintiff S & K File No. 04-22662 T-6g8 P02/25 U-093 09-21-'04 08;22 FROM- ar~rlrrloNs Wanly o.KC+! in alullipk scclianx of this JaruAwnt era Iicrngl bobw :Ied tlJut wards me defined in Sauion-s 3, 11, 13, l K, 2U and 21. Ccrlain rulas regarding the usage of wcuds axed in Ibis document a-C also Providctl in SCttion 16_ (n) "Security Instrument" mGU~s this Ilocumcnt, wlsicb;x daltd NarCh 1, 2002 , wgothu with a{t Ridor~ to Ihvs dooumcnt. (A) "tturruwer" ix RNONA flICE AN UNMARAIEO MOMAN Bornrvcr {s dto iaartgnyor unQCr Ibis Security tnvlrumcnt. (C) "Lender" is NEM CENTURY MbRT6AAE CORPORATION I.cn~IGrixu CORPORATION - 000D58A1D6 pEMNSYt.~ANJA - Single Family - Fannla Mee~F/6ddls Y-e UNIFORM INSTRUMENT fro/m 909Y 1101 ~~ 6(PAi iooea~ J~(1f~~~'/~l,7 u IpNNp''~j~j1,,'' p+Q6 i o~ ~6 ~mmw: ~"" ~~1,u VMp MORTGAGE FON45 - ~"00152~•~2V~ EXHIBIT" P 09-21-'04 08:22 FBOM- ."._ ___. T-608 P03/25 U-093 Da1Y(,1-tua4 uo:7tlUe rrYni-rncM,cn r",r,nnr. ttrganiirxl and costing under the taws pf CAt I1'ORNI A . LGtdri's uddt+Cxt is 18400 VON KAPMAIi, SUIT[ 1000 IRYIME, CA 9x6~Y _ LcndcY is dtn morlgagoc under this Set:urity InslrlAnO[Ik (D) "Note'' n~a; the pmmissory npta signed by Borrower and ttatcd March 7 , 2002 , 'tTcNvlFSmf~ltwtBonrowatowcet.cnflorane t(gt-dred F(tty-Three Thousand, Three Hundred and No/71t0 .._..«__"______,__.._."._"~____,.___.,_"__„_ Dotes (El.S. 5 153 , 300.00 ) plux intcrc1l.13f1rrower hur prnmiscrl In ~y thitr dahi in regular t'ctiadiC Payments :1r+d 1A pny the debt in full nw lA1Cr ttlan Apr i 1 1 , 2032 (~) "Property" ttlCans the prop+:rty duu is desaibcd 6clnw under the lrcadktg "?ritutfor of Rights in tnc RvpenY--" (F~) "I.rmn" mcanx 1hC debt CYidat+CCd by 1110 Hole, plus inlCrCyt, any ptcpayracnl chttrgalt and tau: ctrrtges due uAdu the Nola, and alt sums duC under this SCwrtty lnswmt:n4 plus intr:r~ct, [(i) "Riders" nWiex all Riders Ill dlis $eCttrlty in>urumGll drJt arc 6><Cpltad by Bvrrmwr. '1710 fallawinp ttiticrx urp u1 ba cxauu:J by 8mrawar lcttack 1wx As vppticabk(. Adjusu,btc RatC Rider ~ Cnnrhultinium Rider ~ Sekwnd Hama Ridrrr Bu)iplln Rider Planned Unit thvotopmcnt Rider )~ Ftuetily Rider VA R(dcr [] Biwtxkly Payment Ridtx ^ (khar(x) (5pceifYl (fi) "Appliwbte Law" means all f:antroltirlg appticnhlu fIklcnti, a-uUC turd lnCal slutttlCx, reguL•1liftas, urdinanCCS and pdmini5llativC rules and vrdGtc (that (+avC the effect a[ law) as wall~u4 all applicable Cina1, non rppt::trogkjadiciul opinions. (1) "Cummunky Arsueialam nuae, Fear, aad Asdt~meats° ttlcarttt all dues, fees, nsyesbmGntS ;Y1t! odlcr ctlarg¢s That era impaotl an Barrowcr /rc Utc Property hY u rvndnminium aseoaiativa, botncawnctg a.~nciation or ximiltlr n,gtnizaGna. (J) "F lecl-unie Funds Tr»nsret" moans any trlMyfar of [ands, athor dwn a lnta58tt(on arigindtMt by cheek. draft, or similar pupa insirurncnt, whica is Initiulel) through an alauontc tartninal, telephonic ins{rantarlt, aomputcr, or mognaic tepa sv as to orJCr, inxtrtlct, or authlxrcc a Iinat1ri11) insdWtiafl fD debit or ardit an tlcf;ount. Such term int:ludcs. bat (s ntn limited tn, puinypf-ss~lc uansftxs, ;tutonwtcd totter tn~chine IranstwUnaS tnucifcrs initialal by telephone, wiry u",tnxfcrx, and autumat~t atauinghcusc vun,+far:- (K) "ktkrow hems" matuut thn.,c iaxns lhaz arc described in Section 3_ (L) "Mhrcelraneouy Pruceedt" mcanK any rnmpcnxtttbn, acukma+t, award u[ datrry,;ts, m procCCtls maid by any third party (other than i(uunut+x; protr~tis paid under tlu: rbvcrttgas dcsaribcd in Sa;tiun S) fpr, (i) damabo w, ar dcstractittn vf, the Properly; (ii) txndemnatitxr pr otnu taking of ail or any pa+i al' the Property; (iii) Ixtnvayan~x in fnu nC eculdfmnotitxt; nr (w) n1i,r+epre+xnlatitut~ af. or flmissionti •rs w, IhC vatuC undhu condi(iva vi d1c Propcny. (M) "Murtk:q;r ]nsur>1nCe" mcanu insurance prottxting C.Cndet abainsl the nonpayment of, or deCaull on, the Loan. tN) "Periodk Paynueltt" means the reCulatly schCdulCd atrlount due fur (i) principal and intcreYl under the Nate, plus (ii) any amaunk. under Section i of thin Sccttrity Inxirumcnt. F ti'A-. 000058N OB InYlap• ~o etPA) ,noon, Para 2 m s Fot1n 3039 1101 BK 17S I PG498 I 09-21-'04 t~8;22 FROM- JeCLI-LYYA YaiYVYR •IVW-rRL,VIGn /,RJIMVI T-608 P04/25 U-093 ,-You r~uua rwJ *caJ JJaa (U) "RrwSPA° tncatts dtc Real fsue4 SCtll0lttgit Pntccclutts Ac1(12 US.C, Scaxion 2401 ct seq.) anti its impl+:menting roSuladon, Ragufatlon X (24 C.F.(t. Pout 35110), as they might be amcodetJ Iran titnc 6tt liaw, Or uny addltiohld m t+ecO.x~Or Iagisladon M regulation dmt 8tsacme the same subject matter. A4 uaa0 m lhia S+xurity tnstflLmcnl, "RESPA" tol`ca m all tequimntcats and rrstrlctinruc that aro impttsod In regard to A "Iedera0y rcJeled awrtgage loan° even if -he t.twn dace n+x qualify os a "fodoraliy rolato4 morlgogc loan' undo' RBSPA 157 "S~CtsSar is Iotertst of (torrower" nuens any psaly that Ttus +akcA dt6c to the PSOperiY, whelha or not ,hat party has assumed Borrnwar's ahtigatioas undo Ott NotC and/or Utis Security la+~trument. TRANSFER pF RIGHTS IN TI IL• PROPERTY This Security lnstrumer+t xCtura4 tp Lendu: (Ij dIC ropeyntont of UIC Lactn, and alt rLY-ewals, QxlCnfioaJ Dad mottificutions of the Nrl1C; uMi (i~ dta performance nC 8ortawcr's covtxrtnts end agracmcros under this Sruurity lnstnt+r+cnt and d+c Notc. Far thix putpoaro, Snnowcr dog I+acby nwrtgagc, Brant and oanvey to Lcadtx Otc following dtxcribCrl pno(xxty located is the COUNTY I'r~ ar Raordln` JYriLdiawrtl ur CUMBERLAND Ix~meerReeowlllsJwi+aiutual: SEE LEfiAL DESCRIPTION ATTACHED HERETO AND MADE A PART REREOf. which cucranUy hax lh+; addrexv of 924 FDRBES ROAD ,CARLISLE IS+Keu I~~e'I, Pennaylvnnia 17013 I/av Cearl ("PtopcrtY Address"): TOG>:TH6i1 WITH ail No imprvvcmCnlq now +u tttyp+ltcr Crectc4 on the prop~ry, and nU ca+rmcnts, appurtrnatteC+e, and fixtures now ur hereaRer a past of the property. Al{ teplaeemca+ts and additiol-s ahaN ah~o he sovued by Ibis 9tcurlty [nslturacnl. All of IhC forcawing is referred to in this Security (ttstruanetit as the ,.prey „ pi~~ DOCQ584~Q6 Inilll~f: -e(PA} tvoou -y. o el le Form 9089 1~0• SKI 75 I PG498Z 09-21-' 04 ®8:22 FFtOf'1- SaP'Y!''LUea 4Y=ease rrarracM~er< noa,«n~i T-608 P05/25 U-093 80RROWER COVENANTS dal Btxrower is lawfully yCisuJ ttr tl+c c~tlatc hereby oonvcyod and bas the right to mangagc, gtwtt attd clmvoy the Progeny :utd that da Pmpcny is attencumbcral, atcopt far :atc+unbrunres of record. [tuctowtx w,trcaulx and will det'etW gottera0y dtC title la ate PrapCny against all claia-S and duntaads, sugjtxl to any Oneumbrrutccs orrcoord. THIS SECURITY INSTRUMENT Combines uniform wvcnants for Antlonol ttse and non•uaiform covp++attts with fimfletl variations by jt+tisdittitm u~ cnnatituu: v ulllftum sccarity inswment covering real pmporty. UNIFORM CO~tiNANTS. Bomtwcr and Lwtdur Ct+vcctant and ugrc~ aK fidlows: 1. Yayntcat of Principal, lntxrest, t<v~yytsr Items, Prepuynrent CharL+os, a9d Late Charges, 8pcmwcr shalt pay when duo dtc principal or, and intcral an, the dclx evidenced by d+e Noto and any pngwynucnt charbes rod lrtc t:hurgcs due under dca Nate. Borrt+wcr xhrll also pet' fuMls for S~tcmw Items pursuant to 5eedon ]. i?ttynscr+ts due untiCr dtc iVnlC and dtiA Security [rwtruntent sha)1 ba ttlttda la U.S. eutrutcy. However, if any cheek nr othtx io9Wmcnt rCCCived by Lander a; paymm+l under dtc Note ur this Security tn,~ttrumcm is tntumW W Lcntlcr unpaid, Lender rosy ralulrc that a+sY or alt subsequpu payments duC under da: NotC and this Soturity lnatrument lxi rrladC In one ar moo of the following forms, rte txlceead by Lender: (a) cant: (h) tnttncy ruder, (C) u:Aifial c'Nncclc, b:utlt chock, Voaaurr:r's check or caxl+lCr'a chat, provltJCCI any such chtxk is drawn upon an inrtiwlicm whose dcpasiuc aro Insured by a fede+ttl agency, M,drumenmlay, tx entity; or (d) Clectronic Funds Transfer. Payments arz deemed rtXCivCd by l.atdcr when re~T,ivcrl at dw hxatiot- dcslgttatcd in dte Note of 01 such odtcr Wtylion stn may bC dt~iinatad HY Lender in act'nrdar+ce with rho ttoliea prOvizions in ScGtiou i5. LandOrmay rtxum any puYmtmt d purtla) poymcnt it the payment er partial paymvtts aro intulTcicnt m bring the l.Wn Curtest tzn+lcr may accept any payment w p;srtiat paytn+:+tt insufGc'+ratt W bring dta Lottc- wrrcnt, without waiver of any rights htsreunder or praJudia: k+ itc rights to n:fuve s+rch payment ar pttrtlal puympttr !n die futon:, but Lender it not obliJ;amd t0 apply Such payment: al the lime such payments ara ttCCCptecl. If Cae)s Pttindit: Payment >g applied as of iLS scttodukd duo date, then L~dcr nmd nut )say inlCtari on unapplicd funds L~cntkr may hold Such unapplictl funds end! Sorrawct' makes payment to bring the loan currant. !f Borrower ootu not da so within a tzasonabla ptuiod of time, Lender shall plhcr apply such funds or -etum them to Borrower. tr not appliotl earlier, such funds w1h he appNod to the ot+t3tandinb prineip+d balance tinder the Nate immodiat~y prior W forabsunc_ No offset ar claim which Borrower might have now ar in tha fuwre against Lender shall relieve Burmwcr from nuking paymentr duo uadu the Natc and this Severity Uiswmunt tx pcrroNning d-c txtvunanu and agrtxlnent~c ~cural by this Saurity lnatrumcnt, 2. Application of Paymr;nts ar PrrM:acds, Faccept as othtnvisc dcxzribcd in thix StYfasn 2, ell payments acceptal and applied by Lendcr,tl+aU be applied in fhc following oNer of priority: (7t) iatcrott due undar the Nutt : (b) princ'ipgl due under dtc Nott~ (C) atnounes due under Section 3. 5ttch psymetns shalt bo appliad to cat:h ptxindit Payment in the older UI which it bcwmG dec. Any rcmnining twaunts slptll be applied first to late Chargra, sCCantf w any ocher amounts due under Ihix Security lnstnur+au, and tr+an w rrriuca the prtneipal httfanac of the Note. if l.tztder receives a payment Rare nOrrOwcr fcr s dolinpucnt Periodic Payment ahieh iaClttdas a ~tuff"uiVnt amount w guy any Isle charge du¢, the puytr+oc+l nay ba applied to the dalinqucnt paymrnc and the lute t:hargc. if mwe dtan.one Pcriudic Payment is ouutandint, L,c+tdcr may apply any p3ymcnt rtxCivnd from Botruwcr to the repayment of the Periodic Paymenle if, and w the extent that' oaCh payment can be paid in ~OOOSi141 Ofi ~6(PA) ~pooe, -~,p~~ o~ ~~ loon 3089 1/at 81t 175 { P~4983 09-21-' 04 08:23 FFiOM- 9ep^L~~tVVa vY=uuaa r, yp-r ncM~cn „oa,nn~i T-608 P06J25 U-093 ~ V •YiY ruu, To dte utcnt that'any ezt:css nttisut after rho payment is ttpplicd to the CuU paymont al' one or mac Pork-dic Payments, sttClt attctss tray be •rpplicd to any IetC abarQCa dttt:. Volutwry prepuymcnls arts!! be applied lktt t4 AnY P-cPuYmcnt churgcx and tttcn us dL~ctitxYJ in rho NWC. Any application of paymprts, ittsur~tke ptocaeds, or Miscollartcoux PraC'oede W (trittcl(wl duC uadcr U-C Noto shad twt ctttettt! tx posyttx+c tltc due tkac, or change Ura amount, of d+c lseritxlic payments. 3. !'uttds tur Fscrow ltemtt. Burrower strap pay m (..ender on rho day Periodic PaymttigS arc due under the Nola, until Ne Note is ixtal in fall, a sum (the `Panda') to provkk for payment of :unountx due for. (a) tatax and e+tscsrinplLS end othu items whitdt ran et4lin priority aver this Scrurlty Gtstrumcnt ax a Batt or encttmbrultce On the PropeRy: (b) ItxschOld payments or gnatad rettta on d+c Progeny, if any; (c) Premiums litr any and alt inxuranca rcyuired by Ccntltx utwlor $txtion S: and (tU Morgage Insurar+w premiums, if any, or say sutne (atyttbb: 6y Btxrawcr to Lantk;r in 1'tcu td the payment of Mortgage fisurotwa premiums in •rccordam:e with the provixintts OC Stxtioa t4. Thgfe ituttls arc tstlltx! "~ierwv ltatac:' Al Otigtttatlon ar m arty time during the term oC the Juan, landta• rosy royuire that Commualty Axsoaietlott Dual, Foes, and As-~smcnts, ifmy, he asct'owcd by bormwcr, •rnd xuch duax, k+rx mtd ersosrraants alts!! be an Escrow Item. Borrower ahr11 prampdy furnish to Leader ell atuicox at amounts -o bC paid under thin 5cetiun. Borrower shall pay I.cnder 1hC Funds [or Escrow Items unless Lertdcr wtlives Borrower's obligtelon to pay the Fundx for any or all Escrow hems. !.coder may waiva 8orrttwer's abligauon tp pay (0 Latdar Fuadx (or any to all Excetsw Itnm~ ai arty time. Any such walvcr may Doty be in wridnH. 3n the nvpat of such waivor, 8orrawer shat! pay direnUy, when and wltcrc payebb, tiro atnoutus dun for any Etxxaw (toms [or which payment of Funds has been waived by Larder und, if Lender roquiras, shat! furnish to Lcttdtx roocipts CvWloncing such payment within such Gmo period m Candor may fCquira. Borrower's obligation m tttakc such payments and m provide rtxeipt4 shall for all pruptt~s bo det:mcd to be a covcnaut and agrecmrnt oontairted in this Security lnstrumcnt, as the phrase "trovettent :rnd a$mCmenl` is trsa! in Section 9. ti Borrower tx obliyratcd tp pay Escrow Stems tlircedy. Pursuant to a watvtx, anti BtNrower farts to pay rite amount doe for an Escrow Item. Lender maY ctcercisc its rights under Section 9 and pay such emnuut ttttd Borrower shall then ba abliQatut untlar 5cctiaa y m repay W Cendcr any such amount. L,cnder may ravoke dtc weivv ax w eaY nr ntl Escrow Itcm- at;rny dma by a notica given in :rccxrrdancc wilt Section IS und, upon xueh rcvttnotiaa, 8turvwor shat! pry to Lt:ndor all funds, and In Such amnuntx, that arc shoo required undo this Soctioa 3. Lcndtu mtty, m any ti+nc, Collect and hold Funds into tttnount (t4 t:ufficiertl to parrnil Ct:ttder w apply the Fands at the time spccittod unttor RE9PA, erid (b) not a exctxd rho tn:utimutn tutttwnt a tenser can ruluirc under RESPA. Lcndcr xhall cuimata the amount of Funds due on the basis of tatrrc+rtt data and rtKtamabl~ cstiomtcs of caprndiurrca of liuurn B.tcrtrw Itcnts or olh~:rwise in aegNtWncy; widr Applit:rhlc Low. 'I'on Futxls shall ix hold in tm idxliWtitto whtr.+e dt~oails Arc inxured by a federal agency, instrutant+edity. nr noisy (includinb Cooler, if Luttdtx is un instiuttiun whnxc dtgrtrsits arc w insures!) nr io any [~ctlCrul Idotnc l.a:tn Bank. t.rJttlcr shalt apply the Funds to pay the F.srrow hems na rater Utah Use time spaured under RE5PA. Ltasdcr tatalt oat char};e t3orrawer for holdirtQ sad applying the Funds, mtnuelty ttratyrJnQ rho c~x:mw rctYwn~ ru varifyieg d-c E.rrrtr>/ ltcros, unttas l,andcc payx Btxrawu interest an the Funds end ApptiWh~ Law permits Lrndey a make such a chprCe. Ualew stn egreeatottt ix mado a wrhing ur Apptkabk Low rG(uires intcrrst ut he Paid an the Funds, I.cndcr shut! ntx Ire royuircd a psy 80rtowar any intertwt Or carniny~s on the Funds. Borrows and Lcndtu t~r+ agrt;o in writing, hnwavtu, tlrot iateresl span DC paid on the ~t~ X0000584106 teswa: -'_~ t~B(PA14aacat ~aNtet+6 form0o39 ttpl ~K 175 I PG4984 09-21-'04 08:23 FROM- atlP'LI"tuV4 Va~VUo1P rrYrPrM1CMrCR noeirvwr T-608 P07/25 U-093 rcra oaau I~VOY r~uvorutr r~raa Fundx~ i-coder shah give 1r, &xtuwer, without charb~c, an xnnuai xcounting of the FunJn us required by RESPA. 1f Utcrc is a surplus of Futuiat bald in escrow, as dCCincd undo' QBSPA, L.rnticr shall aocaunt m Harrower Cor the excess funds in accordmrce with Rt35PA. !f Cheri; is a siwrlaSc of Funds hoW in tSCrga, es dalined untitx RESPA. lcadcs shall notify Horrowdr us rogttircd by RESPA, and Htmowcr .quill pity to l.ciuler the amount rtoccstory to make up LhC sharlagc in acccxrlance with RESPA, bul in ua mOrC Iltall 12 montlliY payments. ff tharC is a JufiCicncy at Ponds herd in odcrtrw, ns tlofin~ undo R1c3AA, Lendor xltail ootify Borrutvcr as roquircd by RESPA, and Btutower shall puy W Lendar the amount nacCSmry w mitloe up tht dalhticncy in actxtrd»r+cc with R1rSPA, but in no most than !2 monthly payments. Upon payment in full of all sums stx,ttrcd by thix StattrAy Iruttrttmcnt, Lender shall promptly refund to Hormwar tmy Funds held by l.ctu)cr. 4. Cbprllog Lints. Borrower shalt pay all tLtccs, assos3rnrnts, cnargaa, Gttcs, and impositions o4rihutablo to dtc Properly which cwt stwin privity ova this 5auri~y lnstrumottt, Irtvrltold paymrsrts ar ground ronw tm rho Propcny. if any. and Community Axrn>CFattan Dues, Fcoa, and A.RtreSbncttts, if any.1'o the Ctctont tdw tftasa item: aro fit~row hams, Borrowtx xhall pay dram in the manner provided in Sa:tian 3. Iiumtwer xhnU promptly diztlturgo any 1'wn wlritJr has priority Boar this Stxurily insWment umess klanower. (a) ugroaN in w~itiny w the paymcnl n(the obligation WY:ural by dto lien in a nwnnrr atxcptabla w t.ondcr, but Doty ao Inag as Borntwer is pdrkuroing such agiec~tunt: (h) contests the lien in good Caith by, w det'ends against ettforrcmenl of the lien in, legal proeadin6~s which in l.ender•s opinion operala l0 prevCnt the t:nfnrcrmCtu of fire lien while Inosc pruCCCdings are pcndinE, bul only antil stteh prococdinbz arc wncludad: ar (c) secures Crom the hnldrr of dre tier as agtedricnt satisfactory to [.coder subordinating tftC Gen to fhb SCCUrity Inawmtnt. If 1•endar determinas that any part or the Prrrputy is subjeel W a lice which Can auxin priority Duce this Stcurily Iaskumen6 LmdCl may give Borrower a notke idcrrtiiying tht Ucn, Within t0 days nC Urc dtttC on which drat noticC is given, Bortowcr shall satisfy Utt tiCa ar Iako one nr moro of the xuons act. Carth about. in this 5cetian 4. Lcotler terry rer.{uirc Borrower w pay a onc•timc Blouse 1'or a rear estate tax verification and/t-r repttning service ascd by l.endCt in ctrnncctinn with mis Loan, 5. Properly Inyuronce. tiorrawer aimll lca:n tha impruvuntenur haw oxialing ar hah.aftcr uauxl on the Pmtx:rty insured aboinst lass by Brc, ttaxrvdx ineiudcd within rho trim "cxlCndcd eevcragC;' and wry other harrrtls including, but oat limiu:d w. eaMquakcv and Aoexlt, far which 6endcr requires insurance. Phis )nsurrnw shall be m;tinmincd in Iht: wnottnts (inNutl'mg deductiWc levels) and for the periods that Lender resolves. what LcndCr rcrluirp puratutnt w the procCding sentCtrcts tart chanL'a during dtc farm of tht Lash. 'f1rC in:funN1CC cnrriw pmviding the lnauranct: shall be cho3crt by earrowa subjcu w Lcndcr'a right W tG;tappnrvi; Hnrrowur'tt chttiCC, whicl- right shall not 6c cscn:isorl unre~aronably. Lcndor moy reyuirlt Arrrrowut w puy. in ctmnatioa wit11 this Loan, rrtlicr'. (a) a nor: time charge 1'or (food xnno Jotuminalitm, txrtiliCalian and tacking swvicrx; tx (h) a enc•dmc: eharga fur 1ltxtd •rpna dcterminaatra anJ cc+tilir:,tion xCwicas and subvet(ucnl Ch:ugc8 Cach Uma rcmappings of similar changes atxur which rtrrurwbly might olrOCt such deletmirtruion or terdficativn. BorrawtX shat!. also bC rtatpons;hlt for the payment of soy ftCs impneal by the FcdCral 1"smergcncy Managrtmettt AgcncY in connection with dtc rCVieW of any hood rune dotcrminution resulting tram an abjtttivn by Borrower. [J/~ 0000584108 rnWala: ~'~' ~`-~ ~•61PA) reovar reve a er to Form 70.10 fief BK 1751 PG498S 09-21-'04 08:23 FBOM- aaP'tt9tuve urout aro nV@-r nLMron noa,nr" T-608 P08/25 U-093 1f liturowcr fails w maiaWin any of rho twvtamycs drscribcd about, Lender may nblaio irrsuranrs cuvcrago, o< Lender's opuorr and Bortowor's acpensa Lender is undw no obGgatiort to purchase any purticcular type 4r amount of Crrvcragc. 7Tttaclero, such txrvcragc shalt tweet Lender, but might Or might not pmted garrowcr,l9arrottror's oquity in the Prapcnr, ~ dw cantcnts of the Pra(faftY, alpMutt any rtttk hmtatd qr liability and night patvWc grcalu or lcssu coviceage titan watt prcviausty is gTeu. 8arrowtx aeknowlcdgcs mat rhtt tau of mo inxurartco covcrBCc sa obtalncel might aignificartgy exceed the coat of iasuraaee diet Btumwcr could havC obutittod. Any amounts disbursed by Lender uadtt thin Ser:ttan S ahaU become additional debt of eotnw~ Mxuted by this Stx:urity ittslrumertt. Tbese antottncs shall bear interest at tttc Noto rate fmm the date of diSbursemont and alto!! bt: payable, wide each inlera5t, upon notice from !.order to Borrower regttesGng paYntcM. Ali insurance policies required by 1.Cndor and renewals Af sbt:h policies shall be subject Io t-enders right to clisappmve such policies, shall include a sWtdard mortgage clause, and shat! name Ltatda as n«utgagec Andjgr as 8n additional losx payee, icndor shill have the right In hold the pelicie4 and renewal c;oniGcatrx if Leader requires, @mrawcr sba8 prampUy give ro Ltmdtx all receipts oC paid premiums and rratcwal nntict:s. If 13ortnwcr uhraine any form of inaurMCO tovoraga Mrt Omorurisa fegaited by t cede. fpr damage ut, to dcswction of, the Property, such policy shad inJude a statldaN rtrortgagc cheese and abet! name trytdcr as mree and/or ;lx an additional lass payex. In the event at loss, Borrower shall give promp- noterc to dre inwroncC Carrier and Leader. Ltatdor rtwy atskc prat+f of Ithrx if not molt pmmpdy by Borr»wa. UNcss !.ender ant) Porrower omcrwga; A6nCO is writing, any insunutce pn~eccdx, whemt7 or rrot sec underlying insnratlcc wax required by ttndcr, shall be appUcd w etstoration nr repair at the 1'ropcrty, if the rCstorrdon ur report is economically fc+ulbte and Lendu's security is not le4sertrd. During such repair and restoration period. lcnticr shrill have we tight to hold auclt insurance pnxxcds until 1~'ndcr has bad mt opportunity ttr insptxt such Property w ensure Ott work hoe been t:otttptcted w Ltttdtx's syti<faetittn, pmvicbd that xuch insptxtien shalt be undertaken prtrmpily, 1a;ndGf may tluhurxc pmtxwtx tar IhC reprtirs and ratnratiun in a xingle payment tx in a :reties vi lxggrcat Itaytnertts ax dw work is rxttttpldtd. Unl,acs :tn a6r~;tncnt ix merle: in writins or Applicable t:tw requiraa interest w be pai4 on such insutartt:o prttcecds, !.coda xtutll not be required to paY Borrower any tnltrrs[ or Carninge nn xrK•fi procctdx. Feox f~ public adjuaicra, qr other third pantos, ratainad by Borrower shall not he paid out of tbC insurance peocendK and xhdl be the sob abligatittn oC $tttrower, }[ die rcanuatiua oir repair is not ccvnomicaliY feasihlc or LctWcr's security would he tessertctt, the insuranco proct:cds tthatl be applied to dtc sunu x~:uttxl by Nis Sexuriey Inxtrument, whether or not thou due, with die esa~~ts, if ttt-y, paid W Borrower. Sen:h insruanc•c prot:txds slarli he applied in the urilar providdl fur in Section 2. if Horruwcc abandons the Pmpeny, Lender may file, negotiate and srutc arty available insruance claim trot! rotrtai mature. tf Bormwu dsx~c tttN rexpond wimirt 3D days to a notice from leader t17xt the insurance carrirr hnx ntTercd to statlC a claim, dren !,ender may negaliaa: and :wltlc the claim. TItC 3o-day petted will begin what ille natic:e i3 given, In tither nvem, tx if Lendr acquirex the Property under 5cetion Z2 M ulht.rwi>c. Burrower heral,y assignx w t.cndcr tn) Brarowcr•s rights to arty insurance prOCCCYIs in un urnnunt ntu to exceed the anweinrS unpaid under the Now ar fhix Security fustrutnent, and (b) any 011tcr of 8txruwer's riahtx (other than the right to any refund of unntmW premiums paid by 19vrrower) under alt insuranco paliciav covering the Property, insofar ad such (tghlr arc appiitrobl4 to tltn eoveaga of dtt Proptxty. Lcndu may use the insurance pcacopds cithM to ryiitir or resort rho ?roPerry or m pity antountr unpaid undo Uto Nntc ar thix Security 1nsvUrnent, whether or not Inert due. Al~ dOD0584106 meat:- ~'~'~ ~""~ ~.6tPA) toooa res. >ar er Fornt 3089 llat 6K 1751 PG4986 09-21-' 04 08:23 FRC1h1- a9P~L~~iuw uysu+tua rron-rseM~eR ~ua~~~t T-608 P09/25 U-093 .c4a aaiV I~VDY r-uueruc~ r-~oa 6. tkeupatuy. 8atmwtx shall occupy, usuthl'tsh, and use the Ptapcrty ~ 8turowa`s priaetpyt ttycldonco within fAl days tlftnr tha esttwtian of dtit ScatrltY lrtsuumont uacl shell rantinut: W ttocupy tha Progeny as 9arntwar's prirtt:tpal tatldcttu fat ut Itxtst alto yratt utto- rho ttato of aaupaney, unttxt Lender otttctwdse a6occ~t in writing. wlticA cansau xhall rtot bo uarauttaably withttcld, or unless cYUtattuating citcttmslart~ acid tvhiclt are beyond Sorrowcr's contra). 7, lrt'ext:rvatiun. Maintrtwa~~r and t°ratecliaa nY the Property; Inspectian4. H[xrotYi7 shall not [Icacrc,y, ttamage or intpait the Prc>ItCrtY, allow the l~ropeny w dtxaanucc or Commit waste an the Proi~Y~ Whuher nr na 8orrowcr is rcviding in the Pruptxty, DurtetuGr sbaU tnaint~in the Anpcrly in order vo peavau tha Pn,Pcr[y ttnrtt deteriorating or dccreasins in valor due to its condition. Unless it it dt,letminp) ptutuant W Stxcinn 5 duo rcp8ir or rc-rtctnuian u act cconnmicaUy fcux[Ulc, $prtawu shall pron-ptlY.relr[ir d1a Property if dumaa[xt to avid further dctCri[,rrtiat or dtUltit$e. 1f inxurunw nr atadomrt8tian pr[tcood[t me gold in atanuctiart with dm[tagc w. ar the taking af, Utc Prapany, 8orrawor shat) ha respgt-sibM: for repairing or rauaring the Property only if Ltxtdct lrrs rclw,exW proeeodx far such putpotot.londor may dinltutSe procccrfs ftx tttc rcpnirx and re;[pralian in a sinbk poymcnt ar In u sCrict of protyost paydtcnls at the work is completed. 1f dte insuranw ar condemnation proctpds acC not sat'ficicnt tD eepa'v t1t raetorn the property, Harrower is not relieved of 9tmowcr's obli$adnn for the completion of loch repair tx rtsloratian. Lcndu or itx agent tray mskC rpOtonnhk onuicx upon amt ittsltect;ons of tlu Property. !c it has rcasvrtablC cause, Lender maY inx(Nxt thn lnterlor of dte irnprovementt rn the Progeny. )carder sh[Ul gibe $arrowor notice at the -irnt: of or prior to such an itncrinr inxpoctio,t ;tpccifying such reasonable ra,tsc. 8. tturruwt:r't Lawn Applkatlun, Borntwcr shall be in default if, during tiro Loan appticatittn prM;cds, Borrower or any patrons or Cnlitiel acting at the dirtxtiw, of Borrower or with t3nrrowcr's knowlcdpC ar umswtt syvc tru'tuuiplly 1'altc, mislc[tding, nc in,tccutau: information or tsatrJttcnlx to [.ender (w f8ilod a provide Ltndnr wish mattuiul information) in CnrtnCCtinn vetch the f_ottn_ Matcrinl rcprCSttnWtions include, but tun not (imltCd w, roproecntatioas ctMCOmiag $urrawcr'E occupancy of dtC Froptsty ns 8arrowcr`s pnncipat rnxid[`.nrC. Y. Pntiettian of Lender's Cnteresr in the Properly and Rights Under this Security ltutrttrrtenr. if (a)13onowc- tails W PCrfoRn the recounts m,d agrccmrxt_a t'ootaincd in this Security fntetumcnt, (b) UtcrC is a k6nrl pttxxctling thus mignt signifirartUy atTd:t Lcndcr'!r intcrcat in the Ptopany andla' rights under This Security lacuumcnt (such as a prnctxding in bankrupk'y, probt-to, for t:ondcmttaGnn ar fucfcitum, for cnlimemenc of n lien which may auxin prituity truer thlx Security lnxtrurnrnt or w rnfaree luwx ur rc6n[tatinns}, ttt (c) Surrowcr hays abandoned rho PmpCAy, Ibcn Len[ler n[aY do and pay fur whstcvCr i. rtuwnahlc tx :tppropttiatn 14 prc,tou Londcr'a intcrcxt in Inc 1'ropcrty and rights undur this Security lnsvum~rot, including protCCtinL' andlnr axynxsing tilt value: of the Aopcrty, and sxttring antllar repttiring the Pcopcny, i.tr+dtx'x ac[ions tort includrs, but ore not limitad m: (a) Paying any sums sxurctl by a lien whlelt has priority Duct Uits Stctudy inslrameni; (b) xppcaring In coon; and (c) p-ayial; rcasorwhle atWrnnyt' fees W Prnuxt i1x intGCxt !n the Yraptxcy atW,br rtgAts under )his Security Insltumcrtt, including its secured position in a bantcruptcy ptotxediny. Stxuring the PtopatY itx:lutles, bal i$ not limiter) ta, entering rho Pmpeny to malcc regain, chnngC )treks, replxc or hoard up titters and windnwx, drain water frma pipes, etiminatc building w other todc viol8tions Or ttangorous cnndiucros, amt bout utilitiCS tatnod an et off. AfUtottste I,endcr nWy I:dtC tn:lian unties this Snetian 4, Lender doq tux hart w do xo trod is ncx under any duly or ohligatiun to do sa ft is agreed that Luslcr incurs cm 1'rubility for not Ctking any or atl acticatc audtorbccd unclcr thix Station 9. ~ooiasaa~oe In$N4: ~6SpA)IOaoy Pe4saa,a Kermttu9Y very 8K 175 { P~4987 09-21-'04 08:23 FROM- aaP•ct'cYUS ul,:ul+m r,v~rnCe,cn naa,nn~i T-608 P10/25 U-093 Any amounts Jisburacd by L.Cndcr under this SC,:tion 4 shall bttttprno additional tbbl of 13oaovrcr sewrod 6y this Seardty Instruntertt. 1'bost: amounts shall bear interest at tlto Note rato from dte date of Aisbursrmcne and shall bC payahle, with Such interest, upon notice from Laodt:r to 13orroarer toyucatitrg mam y if this Stx:urxy Insvumcm is an u lu0aoh01d, Brxrttwef xturll Comply with a!I the provisions of the Idso. 1f Barroww aeyuir,:s fix title w the property, dtc teaschald and the fcc tide attest! rtes mtxgC ualCSS L.egdCr abr~ti;a pt the merger in writigg. !Q. Murtgoge lnstrtanet. If LCndcr required Mortyagc Instrrancc vs a Cttndiaat of making the L.or,, Harrower shall pay the pramiums rcyuired a mnintuin the MortgaIIc lrtsurgtcn In el7cet. If, fur any trasno. the Mortattyc InaufanCe cnvcragc required by !.ender ceases to be avuilpbly from dta mongasc insures ttwt prevlousJy provided dudr insurance and Eorrowcr was roquirEd u> mnltc stlptaatttly designated payments wwanl dte prcmtums t'ur Motytugc Insurarttx, Borrowct shall pay the promlumr required W obtain Covcraac firbstantially equivalent w dre Mortgage lnsurar,ce previously .n effect, at a Cott >tubattsttnlly cquivalCnt to the Cps! to Qpnowcr of dtc Mortgage Insurancx prcvinusly in cITC,:t, front nn altorttuc morljaQe insNfCl scloctCd by Lender. If substantially equivalent Murtgagc lnxurrrtcs coverage it not itvaiktblc, eortowa shall rxlnlinue to pay W L.Cndcr the amnunl of UIC separtucly dutige;rtCd payments tbal wcrC due when the inatuunce co~Craije Cc,tacd b be in effect, l.ondtx win a,xept, use and rel;lln thave payments as a nan•rcfpndable lost hlt~ve in lit;u nl' Martg;rga Uwuruncc, Such 1t>.xv n:+~rvc tiiudi iK urn,-rufwduble, MlWithrttdncl'Ng the tdrtthJt the Ltt:tti is ultirqutcly pair! iq full, and !.ender attest! rwe be required to pay Hormwcr rtr,y intnrt~t or earnings un xudt loss rest;rvo, Lcrtda can nu !anger nquuo fuss reserve paytncnl.R if Mortgage Insurance Coverage (in the amount and far ttre ptxial that t.endM raquires) provided by an insurtY sGra:tcd by lender again becomes availahJc, is Obtairr~, and LcndCr requires separately designated payrncnts toward the prcmlums [or Mortgage Insurance. If Lender rcrluircd MortSttgC Insuntntx oa a conditiuu of making ttu Loan and Btnmwcr was rcquiRY! to make aepardkly dcsiynaled puympur toward II,C premiums I'or Mortgtgc InauranCC, Borrower smm~ pay the premiums repaired w mainwln MorlWtgu lnsurttncc in eit'eCt, or w provide a non-refundable toss resx-vc, anal Lcndcr's roytiu'emCnl for Mortge6"o Insuron,x ends in ttctt,trdanCC with any written agrccmlxrt between Burrower and Lender providing for such termhwtion of until tarminatlon is requlrod by Appilcabk Law. Nothing in this Section l0 effects earrowcr's obligation to pay inl4reat st dtts rata prorldcd in the Note. Mortgage insuranx roitnburses Lender (or any entity that purchases the No-c} for ecnuin losses it may incur if Sorrowu dots nut repay the 1-ogn as agtocd. 9ormwer;s not a party to >be Mortgage igsutancZ Mortgage insurers evaluate their total risk on all +ucb irtsurantx io farce from time m Gmt:, 8ftd eraY enu;r inw ugrcCments with other panics that sham tx nro,lify their rixk, or reduCC laases_'fhearo asrcxment-e arc un uxms and conditions that arc satisGrauty w t!-e mortgages insurer and the ether party (ot parties) W dress aYreomcnts, These agrcCmcnts may rcyuim the mnngagc irtsurcr to matte paymcatts using any source of funds That the motlgagc insttrdr may have avaiWbte (which ropy igCludC !'ends pbtttitred from Mortgage lnstrrmK:C premiums}, as n result of thcxc agrccmcnttl, Lender, any purchaser of the ~atc, another ittaurcr. any rteinaura, any other entity, nr any affiliate of any of the fercCnina, may receive (directly ur indittxdy) amuunu+ that dorlvt ftnm (rn Imght be Chatac-airatl as) a ptxtiun of Borrower's pay»tcnw for Murtragc instmatcc, in ca,dianpo for shar6tg ur modifying the mortgage inswq'S risk. or rttlucing kisses. if such agrcarttent provides that an ail"itiatc of I.endct ttdcrs a shore Of the inAUrCr's risk in CitchimQC fur a share of ttiC premiums paid W the insutCr, the ttrrdnganeM is flflMt tenruxl "captive reinsurance," Futtltct: (a) Apy sorb agreements wiN not affect the amaunLi that Iurrower bas agreed to pay for Mnrtprttle lasutatrce, nt any otbpr terms of tde Lorin. Such agreements will not incrwse the ameunt 6trrrawer will owe fee Mortgage lnsurapc,:l attd they wig not entitle ftoreoWer to any refund. n ,s.~l~ooaoeaa~oa ti~o6fPAlcoooU Pa9~Yn116 Formaoia !rest 81Ef75fP64988 09-21-'04 08;24 FROM- dep~LI~LYU4 V1:p[Ye rIW-~RGNIGn p1. nRrl T-608 P11/25 U-093 4 Y YYVY (b} Any such agrretnet-ty wid nnl +tffeet the r'ry;hht Itnrruwrr has • if any -with rrlpec! W thr Mory{Npr taaarttnce under the tlomrowners Protection Act of 1994 ar any t>ther Ww. Thatr ri{ihta att+y tnclttdr the ri{{ht to ncriw crrtain di,;cbsures, m regtsritt and o6lata CtluCelbtioh of the MttrlhaKe insursttcr, to bttvr eM Martga{{e lnrurtttce termirwted aurotrwtierdy, yttNor w rtv~irr u rental of auty Mnrtgttae inxurt+nlr pwm(atas Ibat war unearned at the tie uPatrldt canlxll+ltrou or terminatpn. tl, Aeldpamrttt of MiatdWaeuus PtrteeedY; FnrM'Wre. All Miscclk+ne0us Proceeds :tie hpYby axtigncd tq and ssttutt bt: paid l0 L.endcr. if the Ptnpony h dumagal, such Miccetq+ncpus PmctYxls shall be applied to rc++oration w repair of the Property, it the restarotiun nr ropait it ocoaomiwgy foaslWc and Lcrtdcr's saprrity a trot lossertcd. During such repair and rtxtorminn period, lender ttltall have the right w held stud Mitxcllant+otts PruwgJ++ until J-codtr has dud an opparlunity a JntpoCt such Property to cnture d+c wodc hat been cvmptckd to l.utrkr't ~caGsl'actiun, provulcLl that such intpwtinn shall he undtxrrkat pmmpdy. IdatlCt m0y ppy tar fire rcpaiK and rtaueatiutt in a xingt~ dilchursuu+cltl Nr tit n xttriun:tf pnt{;hll:l {wytt+wNx ax tae wprk ix ctutlplawt. U+tkaut art agmman ix trade m writing nr Applcahk Law royuirw+ intcrl;st to bu ptlid on such Misceltar+oow Prolxods, t.er+der shall not ba teyuired to pay Hotrowor any intotdn nr tsunin~t+ on rcucb Mist:altat+edus Proceeds, U tht: rrwratitm oc m.{wir is nut IxonumicalJy tcasihle or Londtr't ,tocttnty woNk) b0 loslcLtal, O+a MtrirJlantbut; Proca:de siwJl 6c applied u+ the cams sxt+red by this Socwity Instrument, whethor or nut then duo, with dtc cxl.~+.~, if any, paid m Harrower. Such MLSCNIat+taltt Pracetxls a9+all be applied is dtc artier providal for in Slx:tiaa 2. 16 the event of u ttaal lakiob, dcsttuctitu+, ar taa5 in val4e of the Proprny, the Misccll-ancoux Proceeds mall be applied W d+c :toms secured by this Security fnsttumeM, whC+hct ur not then quc, with Ihl: atumss, if :unya paid kt F3armwar. !n the Cvcnt of a partial wking, tksuuction, ar fuss in wrluc of d+c Pro{+eny in which the titir nturl:et value; of the Property immcLJiru:ly En:furc the pania! taking, dtytructiun, or loss in value is atual W ar gr¢atcr Ulan tha ;arrant at dtc Intms sCL:urlxl by this SLS:uri+y ir-avutacnt imttWtlixlCly ttCfore the p;uti+tl utkinpp, tiCRWL:liall, ar ICtss in vgluc, unh;,tK tkxrowef anti L,entlcr tuttc~rwixt; agtCt: is wripttg, {tu: sum>; alx:urcd by thi3 5lxurity Inxltumtatt shat{ 6u tCtluCCd by the amunnt of dtc Mi><cclhuttxlult Ptuccodt multiplid! by the fallawinb freetinn: (a) the tOWI amauat of dtc earns wcurcd imttttxliatCly ttCflxe the panial taking. dwfrugioa, or Iris in vatuc divided by (b) the fair market value of the Prtt(xrty immatiatcly before rho panioJ takinY, dCSVUCtiaa, ar loss in valua Any Daler+cC rtlwlt be paid td 8orrowcr. !n the cvont of a yanial taking, dt:ltruCttaa, or ions in value of rho Propony in whkh the fair tnarlrnl value of tha Property +mtacdiatety before the pvtial tCkihp, tlcxtrt+caan, or bss in value is less than thl: :untwnt of the earns socuratl immediately bafare d>c partkll taking, desuvction, or fors in value, tmkss 13ornlwcr :ultf t,entltr athrrwilw 'Jy'ru+ in writing, IItC MiseCllaluxtur Pnlttiscdx stroll be appI'+ctt to tl+a Sartre secured Dy Ihix SoClutity Jnwument whctha w not tM: sums arc then due. tf t1+c Property is ubandartcd by t3orrowcr, or if, after notice by L.cndar m BoLrnwu that ate Opposing Party (a_K deGnCd in the next 9:nlencC) offers la make tin award m scale a Cidirr+ (or damages, Borrower tails at ra5pond to t.Cttder within 3U days after the dart tha notice is givg6 L,etNku is atlthorir.Ctt W calktt and apply the Mistxllanalws Prtxccds Cither W restoro6on or repair of the prppcrty or to the sums f~CCttred py this Security tawument. whether ur not tttcn duF "Opparing t'afty" tnpns DtC third party that Owes Borrower Mistxttanuous PrncccLls or the party agalnsl whtrm Burrower han u rigltl of action in regard la Mistxllancouy Proclxdx. Borrower shall he in dcfauto iC any at:liett ar ptocsxtling, whltther Civ'd or Criminal, is begun that, in Lender's judgmrny Could rcauh in forfeiture of rite Proputy pr When material impairn+cttr of lsslder's interest in the Pot{terry nr righlc under This Srxurlly JttXwtttent. Borrower can cure such a tlcfaua and, if acplrrrion h:[ti ttla:urnd, rpnStatC ax Qmvitlod~in SeCttan i9, by causing the action or proCCeding to be dismitscd wilt u ruling that, in l.cndcr's prdBrttrnt, prtxludrS tortciwrc of the Propcny or ot2+er mtttcrial impaim-enr et Dfl0584106 ln{11a1a; B(PAJ tt10Mt i p~p0 100116 Frr+11 D02y 1r01 81t17S I PG4989 I rx~nn T-608 P12/25 U-093 09-21-'04 08:24 FlwliJ ~cra aaav i-uuu r.vii/uca r~iaa asv'c~-tour Ya:VUa rfVPo~rN.MILM1 IWJIMb~ Condor's interest in Iha Property or rights under this Security IesWmcrlt. 911!: proaceds orany aw,tr+l or claim ror datnagCS dtal aro utuibuwblc to the impairment or l.cntlcr's inaxost in dtC property aro hcroby assigned and shall be paid a Irndcr_ All Mistottanaws Ptcxsrtis drat ace not applied u, rr+etnratlon nt repair or Na Progeny shat! be appticd in the ruder pn,vided rnr in 5ca:tion 2. 12. Harrower Nut lRttteascd; Wurbear~na !ty Lender Nut >a WaivEr. 1?xtt:r-siun of the time Iw puYmanl or mn+tificatian of ;unnrtirauian or N+C twmR ttacttt+td by This Sccurily Instrument grxntod by txnrur w &umwu ar any Suaamor in !alerts! ar Borrower of tail nut opCrcua w reteuxc the liability or 8otmwtr nr arty 5ucccvsors in Interest or Btmower. Lontlet sha11 trot be rcyuired a comtne+tce ptwxedings ttgninyt any Successor to lrttcresY or 13orrowcr w to rouse to osuGtd time fa paym+:nt or adterwise rttodiry amorti~ttion or the sums stxurcd by this Security lnslrumenl by reason of any drmand made by Iha original 8orrowcr ar rtny Succ4xvtus in Ink'rGSt nr Ilnmtwc.. Any func~ac,nta: by Landt:r in rxcttisiag any rit(ht rtr remedy including, wittWUt Rtttitatiun, t.uttl+:r'k acacptattcC of payments from third pxabcts, endlNla or Sucr:axsurs in IrsK'rest of fltumwtx ar inrtnouau taut dmn d1e amaunt then dun, xha{! not bC a waiver of to (rtocluda the umt:isc of w+Y right nr remedy. r3. Joint and Several Liability; Casikners; Sucetssors and Assigns Bpuhd. $ortower Covtstaats and agrees !hot 6orrowcr's obligadtms and liability shall be joint and sGVCraL HpwGvars any BtBroWer wlw w-signs d-is Saurlly Inswmutt but tkx'x cot ezccute the Mute (a "co-signer'Y (tt) ix to-s',gnb+g this Security lnavumtnt only to mortt;agc, grunt and twrtvcy tha rxrsigncr's inlcrest in the Property under Ito aims al This Srxurity Insh'umcnt: (h) iK our pcntonelly obligated to pay d,c xums x+s~uretl by this Security tasuutnartt; and (c) ag+rCs that Londcr and any nthcr Buttawcr wn agree Irt extend, tnod(fy, forbear or +x~dcc any uceummotl~,,untts with rcgarJ w ttw tocros o1 this Security Inswmcnt or dw Nate widtRUt the to-signtx's t.'ons+n+t. Subjc:et to the ptiovl;ipm of Section tit, any Suectcrsvt' ut lnt~xe+tt ar Barrrrwar who assumes B~rowcr's obligations uttdor thlf SoWrity Inxtrument in wridag, and is approved by 1_crtdcr, shall obtain alt or Bwrowu's rights and bcetrts undo this Sceutrty lnsuutnertt. 8ormwer shall ncx be rck9acd IrtNn ptxroww's obtigatiutlt~ and liability under this Security Instrument unless Lrrtdar agrees to aueb ieltam in wrltiny.1'hc revcrtartts and agrecrncnls pr shirr $oeurity Instrumenr chat! bind (exempt as provided in Section 2p) mtd hcrtcfit the su~satsors and :~xsigns of l.ondar. t4. Loan Charges. !.coder may charge Burrttvn:r rocs 1'tu services paforrnal is connection wid+ 8utrowcr's default, fitr dca purpose of pRltcslinb lcrtdcr's ietorest in the ptoparty and rights under this Saurity fnswmrnt, includmg. but not limittxl to, mwmcys' feat, proporty intpoctiwt and valuation rats. in regard tq any trdtcr (sat, Utc absence a1 csprant auuwrily in this Sxurity lnswrncnt Io r:ltargc a spcclfic rcr w Durruwer shall nos be construct! .w a proltitdtion an tlx: cluuging o[ xueh Ice. !.ender may not charge Ices that arc cxprtssly (xghibitcd by this Seaurity lnsu'umrnt ar by Applkubla Lnw. I t' the Ltrm is xuhjeet u, a law wbiclt sets maximum loan chargts. trod thgt taw is finally inurprcrctl su trwt the int+x+:ct ar +td,cr le:,n t~mrg+;x coll+xl~1 yr to I,c cullcx:tud itt mnnoction with tltc Loon uacotxl dtc permitted limits, then: (r) any loch loan chru•ge shall be redu+:w by dtc amount nxt:ss;try to ralucp tha charge m nc~ pcrmiuCd limit: and (b) any sums already cullactcd from Borrowar which extaCedcd pcrtnitad limits will be rafundcd u1 Borrower. Lcttdcr tray choose to maka this roruttd by raducing d1e principd owed under du NWti: ar by making a direct payment w Borrower. 1r a rcWnu ttKltrCCS principal, dtc rWUUlSiott will ba treated as u partitd prepayment without any prt~,aytnent charge (whether or ntx a prapaymont charge is prnvidttil Por under Ute Note).13otrowcr's acccplanve of any sut:lt refund made by direct payment to 13arrowcr will constitute a waiver of any right or action HpprawCt might have arising out 01 such ovRrchargc. `QDDDS811D6 mean! 6(Pi1 laaatl Poop ~ 1 m 16 form Saaa 7let 8K 175 I PG4990 T-tiQ8 P13/25 U-093 09-21-'~ 08:24 FAO['I- ,~qa „ee I~YaV f•VILIYLN ~~,Y• + Sep-Zl';OOI UY~UZta rfOn'rltlMlxK 11011 K~4~ 1$. Notices. Ali aoYt:C3 glevn Ay 19orrrtwcr or Lester in tnnna:tiart with This Saalrity inaintmmtl must be in vrciling_ Any txttil;C w 8ptrOwel in Connccuon with this 5lxurity Tnswmont tthall ba dtrrtuxl to have boon givcrt to Borrower when Ineilotl by first Close moil ar when uctuntly dCGverod In Borrowcr'x novice uddratx d scot by Darn tn~nx. Notion to uay oac dtxmwtx sfutu eomGtuta notice M eu Stxrowcrs unloss Applitztblc law cxpras.Uy -rqulrcx otAerwiRC. ThC nntilx udtlrcals xhal! be the Property Adtirclte uRkYs !)turowur ltax tltatignatcd a SutasUwlc notice uJdrCYS by nnl)CC to 1.crWa. Borrower rhull pranpUy wdfy Condor of 8atmwu'x chanpo al' adJrCSS. if 1_Cttdcr spu:ifiCs a procedure fur reposing Borrower's Chan@e ad' addro.~, Uten BatrowCr Kttalt Doty hart a cbango pf ttddro:a thtnuglt that sptxifial procodure. Theta may bo only tuts tiesigtloWd nutlee ta.Wrras under this Stxur4ty lnsuument at ;etty tens Limo. Aay notice w it:nder xhtJl ba given by daliverinY it or 6y mailing it by tNst loss tnaiF W Lcadtx's address stated hCSCin ualrSx 1r,M1Cr has dtstignatod enolhrr eddrCxs by notitx m BarrowCr. Any notice in ContYCCtioa with this Sccurtty Tnswmcnt shell nett Ae tlCCtneJ la have been given w Lender until actually roceivCd by i.cndtr. If any nottx r~uiral by th1. 5txurdy Inewmont ii dso ra:quitcd under Appl'ICabla Law, the Applicabw Law rcquirpttgll will satisfy the eocrespundiRj( roydlrcmenl unJtx this Security InswmCnt, 1G. (ilrvlrRiRg LWWi :1CVerabillly: Rules r-f Conslruclian, This Sxurity 1nSlrurttCnt xnnll be gtwctncd by fctlcral Lw tMU etc Ww a! Jtc juri!:tlfction in which dre Propcny is kleuloJ. All dghW turd abligetions ctNttained in dtis SCcurlty Jnsvumcnt arc xubjuct to any rcqu;rcmcntr and tintilatktnt of Applirvbk law. Appli~btC Law might explicitly ar implicitly atMw the panics m nb~cc by r.ontract ar it might bG silatt, but xuGt sitcJtcc shall not bC CpaYwpl ax u pruldhition agttinsl agrotattcnt by ContraCL Tn the CvC1U Ihet any ptuvixion ac clausC of Jtis Security tasttwnCalar Utc Nutt conltil:ts with ApDliwtdC law, truce wnAicl a11a11 nt>t offer aUur DrovixionS of lhu ScCUrity tttstrtttnCnt nr the Notc which can ba given c[fcct without tea Conflitting ptovisitm. As uYCd in this SCcattity lmtrument: (u) worts of the m'~tilinrr brotdcJ shall mean and inCluJe carrc+pnnding neuter wank Or words of the femMinc genJcr; (b) words in the singular shall mean and incluJu the plural and via: vCrxJ; ant (c) tea word °ntuy" bivCJ sak dimcrotiun without any obfigatitm to take ;uty action. i7, lSurrnwer's Copy. SorrowCr <Itall he divan arse tx~py of ten No1c and of Chia Security Ittswmcnt. iti. 7'rynsrrr oP the Property nr r RenePtctul lnte-arl iR Ilwrawer. Ae tt3Cd in this ScGion IN, "lntcrt~t in the Prtspcrty' morns any ICbal ur hCnWicial inWn:tll in the Property, including, but not limited to. dW1C hU1CtiClal mtrv'cstx trJRSfCfrC11 ill a bcnlt far dcGl, tx>nuuct for dad, irtwttllment Salex eantrnct ttr crtow rtgrcwrtcnl. the intent of which is Jla unnx2t of title by AdrowCr W n future dote to a pttrCltaser. !f aU w :-ny pan o(thc Property a eny tRtt7C,Kl in the Propsy is >auW or ttmtlfcrrcd (ar if 8nrrowCr is nm a Itawral pasnn and a ttc~ficial intorCSy in Borrower ix sold t-r IrrrtsfcrrCd) withlwt 1rCndcr'3 prior writton uutxent, Lutdl;r may nx(uirc inuucdiutc paytncvu in furl W' aU xtttns axcurttl by this Scarily laittutncnt. Howovcr. Ulu Wnion shall aot be cxcreisoJ by I.Cndcr if xuch cxcct;ise is prahibilCtt by ADDliat6lc Law. if Lend« ptcrcitiCS Uric optitu>, LcndCr shall give Bortawcr lwticC of aCCClt:ration. The notice shall pmvidC a period of oat tow Chart 30 days from Utc dote the naftCe is givat If1 at:wsdartx with Sxtion IS wiUtin which Botrowar must p#Y a1i Sums 1000rCJ by lhix Sccuri-y instrumthtt Jf 13txrowcr [,tits W poy thcac sums prior to tea Cxpiralian pf Chu ptviott. l.crtdor may invoke any runCdics permitted by this Stxurity 1vstNmcnt without 1'urthar notico or demand on Harrower. 19. 13urrnw~'s RiXbl to Rdnetate APter AcCCitttylipR. If tJerrowc'r maps certain enndit)oas, Borrower shall have the right to hours cnfonemant of Chia Sacuitly inSwmMt discontinttcd at any Jme prior to Ihu rarltott of: (a) five dvytl bcforo S:Jc of the Prttpony pursuant W any pow« of sak wnwincd in this Security Inswmenc (h) stKlt other puriud as Applic;thk Law ttitght epltcify for the tsrmiatttwn of 8twrowCr's right to teinstaDC; or (c} CntrY of n juJbmtcm enforcing th-s Security lnstrutrtptt. Those Wnditions era Utnl Burrower. {a) pays Lender all surtt6 which then would he duC trRt{Cr U1;4 SOGINity lnsuuma-t and the Nou es if ea ttccctcrm6+on had acxutrcd; (b} Cures any default of any other eOvCnantS or egreerncrtu; (c) pays all 0000584106 ma,~u: ~.4(PA) looot> pate sol,G Form Soa9 1ta'1 sKi~stQSass~ 09-21-'04 08:24 FRa'I- ~ JtlP-r1 ~rVVa v>t~uaam rI YPI-~nGw,LA naa~n"~• T-608 P14J25 U-093 <wa a~w .-van ~-VIJ/V4/ r-wa expanses incurred in enforcing this Scxurity lustrument, including, but twt limited a, rt~sotrablo attorncYa' fq~i, proptttty Ittspoctioa and vtlttlatiun fora, and Othor fgar incurred for 1ba purpose of praeaLtt Lender's interest in the Propsrty end rirthta under thlt 8aurity tnanrmcnt; ttnd (d} tel;cs ouch arnioo as Loakr ntaY reastmebyr require to rtaattro that L,catltx's intoraut in ttte eoaporty and fi6hts under this Srecurity tnstrttmant, and Borrower's obligation to paY the soma xoct+rw! by this Security inxtrutnont, shalt continue sttuhersged. i.crtdu may rcgttira that 13orcowu pay sttc)t rcinsut-crnatt sums and uxptulsea u- one tx more of the totlow)ag forms, as aelectad by Londe: (a} taah; (b) tpoet:Y order (c} CCnifjtd check, bank streets, trraxurcr's check er cashier's check, providgd any such ttteelr i3 drawn upon an instiwtion whose deposits arc insured by a federal agency, insltaatMttelity or entity; ur (d} filcclroak Futttlq Transfer. Upon rcinstetcrtsalt by 6otrower, this Security tnstrumMt arsd obligations sxsuad hendry shall rennin fully affective as if no aetxbtMion had occurrtal. However, this right to rainst~c shat) twt apply in Ole sax of atxefcrdl)ea under Section tS. 2U. Snla oP Note; Change of taaa Servieer; Notice or Grievance. 77ta Note or a ptsrtitd lattcroat 1n the Nrne ftoggthar with this Security Instrumagl) can be sold one Rr mare I1mGC without prior notice W BOnrOwer. A xala might rt.4trlt in a change in dsa entity (Itrtotva Ac thq "Loan 5erviea"} that ealktu Paritldie Payments dtu: untkr the Nuts and This Sct:urity tnxltutttcrst and paliuma nthCr mortQaltq bun saviting nbligatioas under the Notc, this Security lnxirumcnt, and Applicable Law. Thtra also mtrht be Ono er more changes Of the Loon SCrvicCr unrelated W n sale of the Nola Ir Ihorc is a ehengC at the 1.4at1 Serviccr, Serrowcc wi)1 be given writu:n notice of the change which will alale the panto and uddrd~s of the new Loan Servicer, the addrraa a which payrttcnts should he Mudo scut any Other InformeGon RESPA r'Cquires in eonrtCpipn with a nutgx of trana[er of servicing. ff the Ng1e a (told and Ihcrgefltr U1C l.tatn is servitxd by aLotm 3ctviter ether Ihaa the purcttazar of Utc t`IOtC, tt1C mgflxttyo {oats xctvicing obl;yations to Borrower will «:tt+a)tt with the Loon Servicni a be uttnsftxn;d W u auCer;.eer Loan Servittr ant) arc nog agsumcd by the Note purchaser unla~r vthcrwise provided by the Nota purcttaac-. Neither Bonowcr nor 4ender may txrnmwtcC, join. or be joined to any judicial action (as ClUta an ioclivithud litigant qr the tntmbet et a class} drat arises from the adu:r party's anions pursuant to this Security tnstrutttutt or shat eibgas ttwt the other party tuts breached soy provisloa ef, or any fluty owod by nv.+ott a!, U-is Stxurity Instnttntas4 unt)1 such Botrnr+cr yr i.cnt>tr has ntujl self the othtu poly (with such nodx Qivcn in compllantq with the tAyuirernentx of Secttort t5) of xucb altc8cd brcctch mtd afYtudcd Use other party i~rrreto a cocas>nubk period ohcr the giving of such notice m tape corrective aetiart. tt Applicable Law provi~s a rime pttiod which must elapst bcfgre certain action otur be utkcn, Utat lima puigd wit! ba doomed w be rcaavrtablc for purptsscs of this panrgtaph. The notice of accekrarion and gppartunity W cure given to Bortower Pursuant m Settiurt 22 and the notice of accataratitm given a Borrotrror puewant a Soetion 18 rdtalt be deemed to satisfy d,e notice anu opportunity to take etsrtegtivc action prVviaiorts of this Stxliott 24. 21. Harxrdauot Fubstattces. Ax used in this $Ktiort 21: (a} "Wazardtwx Subsrxrtots" arc Uttwto subswrrcex defittul as truck or ttaraNtsus aubalartt:dt, poilulunts, Or w:tetcs by Env)rortmCttr:tl Law and IhC litlluwing suhslactc:es: d:ss~plinc, kercrscttc, aUkr tltrmmuhia or toxk ptU0lcum pmducls. losic pcaticJdd and (xcrhie)da5, volatile atttlvmW, mas:rials cuntuinlnp asbCSlos qr fotmaluchydc, and r~diaacdvc materialre; (b) `Env"uantncnul Law" mcsuu [sacral laws and Taws of Urn jurisdiction where the Property is bwad dl7K relate to htxdtl,, ;rafcty nr gnvironmontal protactiat; (c} ^6nvironmcnral Cttmnup" include any res(sorl.~a action, remcdiuf action, or removal ar:tion, as dofined in 8rtv)rprtmantsl 1.;tw: and (~ an "FJItironmental Cond'uitm" mans a rnndition that tan cause, cgrttrlbutc b, or otherwise nigger an Envlronraetttel Cleanup, ~'v`_"~ COOt1584100 m..eu a(PA) coonar Parr a o~ is Form ~0~9 1/07 BK 175 l PG49g2 09-21-'04 08:24 EROM- ~~P-L1~LW4 Ytl:Y711a num-rnc~Fi~e IWi1M4. T-608 P15/25 U-093 Borrower shall not t7ltwc: err pcrm)t dta prescnt~, use, disposal, sltxab% or tt:lcasc of any Huxardous 5uAstancxs, ~ Utrcolcn w tt:lCaec any HaottutMus Suhslanuv, nn or ih tht: Wttpaty. eorrower shall nnl do, tKtr alhtw anyone else w tlu, anythi,tg afttxtind the Pmltrny (n) that is in vialatiott of any Bnvirtauncalrl law, (b) which txcttcs an Envinmrnentat CaaditLOe, or (C which, thtc m rho prasatct; use, or rMtytsa of a Ka~udotu Subxtattca, trrat~~ u condition shot>advcrxely oftCCts the ratue of Iltn praptv(y. 771e ptr:coding twn scnlCttee3 shnl! 00l ep1dY ro the presetta:, use, +u ufnrtgc an tlttr Propene of satd1 gttantitias of Hsntdous Subsuvteat that ttlC gtxtcst0y ruco6noted m he appropdaus a nanwl tc~deatial tact and to ma;N~*~~ce of Uta Prnlscrly Eincluding, but Hat Gm led tt1, ttaratdtxu avbtbtttcc! is twrtsttmcr ptodttas~ $arrowcr skull promptly Sivo LCltder wriuca nolicC of (a) any invtali~aiiott, tdtuim. dcLnantl. latvsuil Or other uttidn by any auvummenlol or rebubwry agency or pervert party ,nvolvmg dta Property and any Hxaudtnts Subtdwttx or titlritaMaonW1 Law of which tturrowcr has acutal knawlatgts. (b) any Environmental CondiGrm, iot:luding but not tilnited u+, Any spNliog, hxtlring, di9cltarge, releaso Or dtrnt of roicnsc of any Nuxa-dous Sdbstancc, and (c) any condition gtutod by tltc prcsuncc, uttt ttr rcloFtsc of a Ha-r~rdtnts Sabstancc which advMSCty atftxu the rtJtao of tqc Aroputty. (1' 8otmwgr ICBrtlt, or is rtotifed by any govorntnenlyl nr rcgulatvry authprity, or any privalC par-Y, IhtN >tCmoval or etbCr rtanediotion of any t tarardtws SubMance ull'icuittg ttu:1'roporty ~> ncccx.5wy, tiartovnx ilia promptly 18ka aU attCC,pary retnWial ~tiuR4 in tteWtthlnCc with Ettvirontncnui Law. Nothing hcn:in :Uudl t:rCJIC any obfigalion ntl Londtr far aA Environntcntal Cltwnup, NON-UNIFORM COVENANTS. Borrower ind t.wtdcr funtKsr covenant and agree a5 fuibv+s: 22. Arenlerttion; Rt:medirs. Lettdrr +cltall Aire nntiLY ro lirxruwer pprior ur aacrleratlon 1'oltuwiag harn+wur's Arweh ofrny careoanl ur agreemral in this Security frrstrumertt (but trot prior to --rct:~rfrraliun uMlr Station lg unless AppYutb)e /,aw provides otbenvise). Lender sh>,tl notify 1larruwer tti, among nthrr thin$x: (a) the. dethul-; (b) the action t~ryaitvll to cure for default; (e) whtm the tlefarlt tautit be cured; and (d) that failure to cure the dtd'auk as 5pe-;iPted t$ay roult in 9reetcrat;un ut' the Mums secured by thii Security Insunntent. forttebbvrr by juttieial pntcetdttl; and sale of the Property, Lrttdrr eked ttttther inform Borrower of the right to reiaxtate artrr aurleration and the riCbt to assert in the fw'tt:losure proceeding the twe-existtncr of n default nr any other 4efenu of ~ ttrrntver to acceleration >tad fnrrxlusttrr. if the defoak is not rurud as sptdlied, Letder al ils uptba may require immediate payment in full of aU rums centred by this Sretvit~y lnstrawent wilkoµt further demaad aad may forrctuse th'w SLtirorky Ihartrotaent by jadicial prttceedtnR. Lender tdtan be eatitled W tvl(aq. 7t0 rxpensat iaeurtsd in pursuioqq tltr remedies provided in thin Stetion 2~, ioclading, bui cot fmtked to, atturntrs' ftuyt And cures of title evidtttce la rice career permitted by Applicable Law. 1]. Betease. Upon payment of alt sums stxurcd by this Security lnstr-tmrnt, this Sceurtty lttstnattcctt and tltt= wetatC cnnvcyod shall ierminuW and brwmC void. After such acctukacc, trader shall dischargC ant! :;LtiYry thla Security Instrument Bnrrowcr aitall pay any recorrtaUoa eus~s. irltdor may charge Barrowor a foe fur rcleaxin • thin Security lnrvumont, but cltilyy d the fee is laid w a third patty for services renticrat and the clrvging utpihc t'cc iv prrmiucd uhdrr npplirtblc Law. 30. Waivers. Borrnvmr, ut thv extort pt:rmihal by Applicable Law, tvaitres and n:Iq~Y:c any error m dt:ftxls in procoodinrs to enforce Utit Stxun(y lnstrumMl, and hcrdty waives MC bont:Gt of any ptaotu to fuwrc laws pmvidtnb ftx slay of exeCation, utWasion of dote. carenpaan from mtacltment, levy anJ s;tk, antl hnm~tcad G,ccmplftxt, 'S. Re;nsrrteMVat 1'rrind. Bwrrnvcr'a tim0 -n RinittaW prorid~f in Sation t4 shelf cxtdtd w one hoot prior W U1c cvttunMtp,m¢nt of hiddhyt at a shcrifl's twlC trt nthu safe purouttnl w this 5-:cttrity htsttutllGtt, 26, Parcttast Mlaney Mvrtgalte. if any of the debt socurod by this Scetuity tnsuwnea- is teat w Harrower m acyuirC tide l0 the Proptxty, Nis Stxutity Instrutnent shall bC a parchasa Homey mortgage, z7, lateres't Rate After Judgment. Borrower ads thrt the ;ntacu tart ppppyablc after a jadgrnuat;s entered un the Notc err in un acliort o(mOrt~al•,e (ttre~lastttt: shall he the rate peyablt: from time ro time under dtc No~c. /~/ 0000084106 ronae,: ~'p~-r ~~ 6(t'A) Ienwl rp. i. r~ +• Fatm 1099 1101 8K 1751 PG4993 09-21-'04 08:25 FBOM- iaP~[I~LVV! ua:uaam 1'IVm-rnGMICn nwrnne~ • ' ' r T-608 P16/25 U-093 *c,a aa^u ~-uau r.uioruc~ r-ioa BY S!(iNOVG SEIAW, Borrnwcr at'.ccpl4 and aSraaf fA IAC 1Crrns and trovcnanls contained in leis St;curity InsRumcgt and in any Ride C1tku1W1 by $prrNwN and trocntdcd wide it. _.._.. Wifncsses: (Seal) Rf10NA (I1CE •Darro..u ,.., _.__._,._ (S~ •Darower •nWtllwCt -tlwrUWCr _ (5ca1) - (stsaly -Do~wu -tlwruurr (Strap (Sral) -Aurroarar -Aorrower oooosa4~os ~•i{PA{ tsecaf r.yo ~sone fern 3a89 1/D/ BK 17~ I PG4994 09-21-'04 08:25 FROM- Seo-Y~-Euu4 Utl:uaale rrorrRCMICR h0aln~~i crnfr • fr ~r ~aene~ f~lPa~'heir !ne ~ nad>~ or ~ w~'~; '`-,tea nn Witnr~ my hunt Wia,~J'~"' T-608 P17/25 U-093 . YYY ..Y. V. Y~Y . .vY T`YY JYOV y !'Y~p hacr califY that a u ~) ~90~Co ~~9a~~ ~y~ {rVcru Cl<l- 9Z(e4Z.. . /~,~o'~llt~rv'Ckl, 2~2 N-ca~her Sm~a~e~`°`M~"'~ Ct)MMUNWisAl.7'llt)MPtiNNSYLVANIA, ~U~7[$~i[°J~A~t/p CaUhtyfs: On thin, the ~ YnrY day or ~sgRGK c~~ ~. . kMfaec rnc, iltc unJcrsign~~d nlY'rccr, pcrr~onully apprarcd ~=HoNA ~:'{CE knawa tome (w wli+racWrily proven) h~ be tUC pClzun(a) wlu~rc nrmc(S) i~~re ~uhsrri6ed W the wil4in ituwment and ~elcnowialgCt7 thae he/ahell)t~~y exceutcd the ssune 1'ut the pugxracs herein contained. IN WI?NF.SS WHERfiOF,! hercunw eGtlhy h;NW Alld ap"iciul a+cal. My Commission ESpires;: ) 4 a.oV ,,, _ V t A (//~ + ~jVr(. ~r TideufUflieur I ':+•~ 1• •''~,'. NOTARIALSEAL ... ~.... _ !~ .. UR9ULA C. i1tFR~60N, NaOty Rubtlc ~ • " FINrISGUrp. 07upMn COUCa4Y ~" ~~ Nb Commbftoa Erptref $bDL 1B, E002 Member. pNrieyhmge NWCUfIon of Albgtiet Ol)0058A105 /^YilM: ~!~ 8(PA) rooep qee i4 a w FOrIN ~Oas rrai 9tC 175 I PG~+995 09-21-'04 08:25 FROM- JOI~~LItLVV" VO•V"Y r~1"11-r nG"1~"rt ,wa~nlN.~ , ~ r 1 T-698 P18/25 U-093 i-u~u r.V~~~VGw r-i0d Exhibit "A" Legal Description AN That Curtain parcel of land situate in Carlisle, Ctwnly of Cumberland and Cammvnwealth of Pennsylvania being known and designated as Lot 9, S action "E", Plan 2 of M6eting House Heights, recorded in the Ctunheriend County Retarders pfric9 in Plan Book 23. page 't 26. Taz tD: 05-19-1647-ikt5 T Certify this to be recorded In Cumberland County PA ~~"~`~-~ ~CCnr;~cr of rleed6 816279.1 84(175 l PG4996 ~r~~r~: March ~, 2C02 I l;a!; ~ 924 FOR{iES ROAD CARLISLE I~'~'>': GARLISLE:, PENNSYLVANIA 17013 \:•: PENtdSYLI~'QNIA 5:1:. 1. f3(}[2R(3~4'f?[t"~ f'f2()'tff~f•: "t'(3 E':1,1' ill 1'taU.'n I(?r 8 Ilion tit:it I lti[\t% riri.i'c~t, i lit't,nl!5~; lt, t]:t)' . i,~. ti 153 .~. EIr . Qu ;tiFl~ 3rT<C'~S^.. :a't!:.t{ f'~}"i.:._n ,. plus itucrest, ttt [ttct,rtt~.r(t!'!ft:. t_:n(i:r.'i'!tc I.rra(:rr s Aff:W CEtdTURY (wRORT6AGE Gl)!fIPQRATIf4N 1 will r:t<tkc. alt I?:tynunts utltlcr lil t~otc in t:tc : ix•tn of rash, riu:cl. t?r n'rut;.i~ rr(l:r. I tllltil'•rtilFtllti lh:!l lltt: l.i:[`.i:l:r 'tli:}' Iri!!i~2C:r :h~, \otc.'1'ht% l.~:r:(<<r;tr:i:l!(i`;i :L';lie t::t::'.5 :~::~'`:i+;~ l`:i :r;l,^.5,. <.:t.i :tl;;' !i''•lr_. ~L to rcct:ivc payrricnts un(lt:r this lut, is rally(! tEtr ' \n[~ 1 i(::cirr... 2, fN'f'F,Rf~,S't' Irtcrrst wiil ter charj;rtl or t!!:p:ti(i I?rinr:pal ir:t~:l Ehc li!li :l:ncunt of f'rin(:ij~ai !*.::~ t?c~rt r:l:~. ; t+.i;E ~a}• ttlter~.t at a ~„~?~: r,:` of 7.49(]0 (;~;, i'llc inti:rrst ritri..,aluirlCl h. :ha Srciira :' :~ ti:c ratr. I will pai• h:nlt hef(?r ar:(! ;t'.t~r sFl.' ci;•ts::~t ;!•c:cri~•.i _::: S^;ai.~ ~ !~~ ~ .:` {A) 'I'irttr :Ind t'i:lce ut' Yx}•nrerits iviil pay I?rinc::pal an(1 int~rl;;t :~y nr,!kirt!::! pad ttlt:at rrrr} nt(!nti!. I evil! stake rlt) rtx?n:ltly Iza}=nscrt a=t tlti 1 ~t (i:ty (tC,~aii:~ ntnntft t•~:~_inrr:l c~:: May 1 . 2iI02 I wil, rtta~c tlli'si j~.'.ym(;nts i`vCr}' nl(xtth un!!l i hai•: paitl a:i i!Z the ~ rinci['a~' :'s_i srt;rs_~~t :.tl(i ,;rtF n.,~r;:r ;:Eki~~~. •±~c;;t;`:;. ^,;:' ,~,,, that I tray owc tinder tltis Note:. [:ach mttn:h:}• pa~~n:cnt d=ill h.` •t ? iai a, c.1 :;~: 4~ ..'!~'c.! ..`.;t; ~at~ .:~1~! ;e lt:• ~,~ .~ , •_;; 1:e1~Oft; I'rincij?a:. <l, un AEzri I 1 ~ 2D32 l ~tl1i ()ii'i :!:11(`{Itii` (3:..;vr t't37. ~':'t:. ~ .:tt: iii tiYtC~ ., „ ~. ~- _ ... .l full ort that d:itr, wttirltss ~a!lcd lttr "'tl:auriti [)ate:.' 1 will n:~-kc. tin' nlon_hry I~ct}•nt~nts :;t 18400 VQN KARMAN, SUITE 3(ICO . [l.-. , IRVINE, CA 82612 :,r a:.. ;(.:.crc.-i: ;?;:1.~ if : ;,cc'.:i ^ :I:: a;:..~ ~ :._ . ~ 1f •~Jwi (fi) :1.rtl!luttt t-i' It•Yonthly Pa}mcnts hty :ntut[L•fy pa';n.crt a=ill he in lit: artau:rt :•; li.S. ti 1 , 070.85. -1, llUltf2fl~Yf<.E2'S itit:iii'1' 7't.) 1P[il?f':EY' 1 l:i1VC t!IC: i~(FL fC? Itlill(l: E)ay:t:(:rltS ..`: t';:Ili;l[,;II :IL arl\' Ulllt; h~lt,r: tell'l ,!C: tilP;. !3 j!riY~:t`.'rr::,',*:~t ;i9 itlt ittl v:'.' :1?'.~ ;~'c~ ~ir_.: _ ;} 6 '' . known as a °I~u~l Prrpapnlrrt." A ?r~:p:ryn:cnt (s'' nnly par E of tire- unlialc! F,rtlFCij?ai Iz Krritsa•ct ;~: a °P3r:#:ll' fsr~-~t'1~~x;E. . [1' tEle t:riginai E'rinripal clsttt?tent (?t ihi tis:ur !s tiff,),()(]tl (?r !c.:~~, t rtti:;' ntittVc. at lilil t`(• t':tFtiaE P•r~aa~;~tt ~-tfi:~ It ;.~}:^~ ;.,: ;?cnt!lty. ltoivt:vrr, if ti!e orig!na1 !'rinripal ant,u!nt ~?F this NoEi::~xrr~•ct~ ~{t! t;,a.'s, ;.tCt:i it •'. siittrt ;!'c.•. ErFr'l 24 :r,?r!~:s •:`~; ~}~ ext:arti(xt of lttis '~i(,rti;lij;i:, t t:k:i:4 t~u!1 1'r~ 1?ai°nt~tll t7c a i':tttittt Prt•17:tynlt`Flt at,c! tEt~ t:,~I rr!: 5,~tt p~rr:~a}°gt•~rtt't ;~'t~zF t ,,,::.1 •. ;..~~,F 4:.\t•l:(:tls Ew~nty t,. rc~!tl {~.{j~t.) ttl ft:i: (lrlk!Ini!~ t'F':[li l(li'.•t iEE11{)tllit, 1 !t'tst [7:t~~ :t t!f'i'1 :t)'[S.c.'tti :}t:if:;~ [Et ttn ite'Cii~J:9E i`.::is;it t:'? :ito'. I'tc3•~•~`^• t,l ti:X (l)) t1lClilll:5' :L:i'aCr~: tnlC'~:\':. (?n .1ti::U1iCliaa prepitiCi ii'htrit I1 rtl l'.Ki;aS i?l Eii~:FtL,' t'.;`r.;:Rt c..~i~l':?~I (Jl d;7: i;:y*t^tt' t~"t~~~r'" :i11Utt1AL. 1! 1 ftltlk.'. 8 "ip';4:11 1'ra)il}'t11CIFt et[lE:tl l~, ilfl: UC t;l(?ri (Si of}' t11t1lltltl}' ~ :ti'I'tCFIE~., ^t :' iliF;: ;i:({L ;?}~`~ r~, i?ii~;::Et~~r: Ca ~-;~}±t ~'t~G tN!C nttrrllll. It I ?ltakt::ICt' (?tl!Cr l'itltral 1'r'l`It;l\'I'It`ni. I :Illrti: slrlf !a!ak~` c':4C~1 iatC" I':::3:1~?it :J,•: Jt hi~i!YFk:-~ i1Fi:: urt1::f; :f:< R~;Yt:::'F:,};;ri:. PENNSYLVANIA FiXcQ ~eA7E NO"t F: • S,'131e f•:;'r, :y With Prepayment F~ertatty ~,-1llSN{PA) °.cres ... ..;)~t'c:n;;. ,,.,,.. .ec: _< ... \y~; ,. EXHIBfT ~ Q Clt?QaSJIt-1 Q6 ` ' l :;; ~s~ ~. 3.t)A'd t.Ilrllitil'.~ .1 :t JitW, \1'i1:Ch :t[:1)lIC$ ti) tills 10a:) fillet: 1L`ItIC'le .1'lati Iliit)(lil)llltl lo:nl charges, 15 lcllalJy intcri)retcd so that the intvrest c)r ~thcr a?;,n t:iutrJ,es ts)lhxt~t; t)r to he collaca:a ill i:unneclit)a will this loan excel,] the pcrmittai limits, then: (a) any stu:h k)an charl;e stal he rcclucc;3 by tLc asttt):utt neccssar)' i:) r;:tiut:~; the ctlar}.,r. to the pcnttittcd lirtit; and (hj any sums already coliectcci from me tf'l:ic:`I i:xcccilcti pl::miucd limits LL~ill ht: ref:ltttlecl u) n)e. 7•)tc; ]state. ]]older may ctuxtse. to 1nak:: this refund by reducing the P:ini•ipal E o;vt: ululasr t?lip N(AC or by n::tkin}; n ;iir~.c1 paynu:nt to ntr.. a' a refund redllccs Principal, the reduction will he treated as ii i'arvi;tl 1'1'l:l?a)~;tr+.lu. ' fi. 1it)1212()tl'I•;32'4 I~AdI.0Ji2!•:'i't) 1'r11' :~S I2lsi~l:ll2l?I) {,~} i.ate (:hur};e i'or E)t,'erdu(' Pat'1)leais [#' the JVote l ]older has ncx rr~;civcil tl•:c full al;)oin)t t)1 any laonthly paytt)t:nt by ttte ertd of ~ 5 calendar days aJlcr tlu: d;::. it is dal:, ;wit, pay :t latr~ cllars;~: ts) the ltiotc t ic)Idcr. '1'11c unlount of the char};c will he 5 . i)t3 r/, of n:~~ oL';:rduc puyrucul c)f brit?ci;)ul unc) auc/e.<.t. !will Ir:;)• this late ;:harl;c lrrorn[ttly but Only once t)n each late payment. (li} Default ;C 1 do nut 1)uy lac Cul: alnoultl of caiar ex±uthl}• paylttcut or, Jtt; [lute ii is due, 1 will he in ticfauh. (f:) Notice of 1}cfauli if ? :inT in ticC::all, Gtc Ncxc :-Joldcr may send tnc a L+'riccn :loticc: [c]link me t:~at il' I de not pay tilt; c:verduc amount ;;y a certai^ tiatc, the '~It)!r l~3a?tier may rcyuir;::rtt: to pay itmnrthatcly a)e full amount t)f :'rincipal which has not been pai>:~ and ail th:: i:T_erlst :.]tat t oWC t)n tha.:unount. '1'tlat Jaty must ht: at least :?(} d;lys al'tcr the Batt: on which the notice is mailed to me or delivered by c)tt:cr means. (I)1 N:- ii'tti~~cr Ity Nt)te l3ttlds'r Gvcn iJ, :rt tl ti:nt~ wilco 1 tun is ;lt•.t~alit, ale: mote Hi)Idr~r does not rciluira ntl; to pay irnmctiiatcly in full Its descriL;:;i al)ovc, th;: Nt;1c loldar will dill Dave, lht; right to tkl so if I an: in default al it ~alcr tiu-c., (I.) I'ayrt)ent r)I" ~i1)te f3older's i`usts and l:rpenses lF [hi; .'~Jt)ti: Iloldt:r llus rct}uirctl ntl: to l:ay imnlcdiulcly fir) full us [];;scribed aht)vc, the I~it)[e iloldcr wil! have ttte right tc) be 1)at1 hack by 111c for all t)f its costs and l;xlrcnscs i:t crtforcilil, t}lis ~fotc tt; thj~ extant not prohibited by applicable law. "1'ttosc r.rl)crsLS include, lc):' examp3c, reau)n:t1)h:::ut)r:teys" fccs_ 7, (liVi'~ft; (.)[~ 1Vi)"3'10:1? U:llress a})p:ical)li: law rcyuir'cs a diffcu:nt nlcthod, any notice that u-ust be given io me untic.r this Dote will be given by c'(:livcririg it or by mailing it by 1'iTst [:lass mail u) :ni; at till; Prt)pcrty Addres=; :tbovc or at a different address if I five the Nc)te 1•lolclcr 4 notice; of my tliffcrent adtiress. A;ty notice that rlast h;; hivi:n to tJu: '.Vi)t:: 1 Inkier under this; Mott: will ht: hivcn by dclivcriag it ar by mailinf; it by first class ]nail to ihl' N;ttr~ l Inldcr at th;. address sta::J ;l; Sl:c::On ?,~Oj abc:'c o- at a diffcrt:nt atldrass i'~ i a1n give]) a nolicc of that diffr;rc;lt ;:~IdrLss. H. t)133.1i;r1'I'It)N4 i.)I'' I'I,ItS4)V4 i:'siI)3?l2'i'III~; )VU'1'I+. 11' more ]halt {)Ill: 1)e_'son signs ibis !Vt)ic. each J1i•rstxl is fully :uul pt;r~t)nally c:ftliga,ed tt) keep all of i}le prolriscs n)atlc in this Note, in;;?[:ding tile ixolnisc. to pay the full au)our,t ixvuc3. Any ;tcrson Who is a guarantor, surety or endorser of this Note is also ;)I~liJ;atac:` :o do tlt::,a things. Atry pcsson wlu) takes ever these c)i)ligatlons, inclutlll:g the ol)ligatit)ns of a gttarttntor, surety or c:la:urscr u1' thir; N;)ti:, is also ohligatraf to kcr_) al; of the I)ron:lscs nutdl: 111 tats IVt)tc, 'I'hc Nc)tc t it)ldc;r may cnft)rcc its rif;hts ttcldi:r t?lis'.~t:tc ,[;,ills[ c:a;:h Iti:1:u)n ilrttividuall_v a~ ai;:linst ell: of us toi!ethr:r. 'l'i:is means that any oni: of us may he retluirc;i to pay ttJl of till: FltrlO;IaiS n1L'Ci: tl?Il1Cr ]ills 1~C}li:. 1 ail{1 :illy Uili:a' 1)CI'SOn Wi)n t);f` Ul)IlllittlCR:i Illldt',r tills Nt)h: WiIIVe aIC flglitS c)1 i~CCSCi1tlnCltl and 1~7t)tlCe Ol I)lshonOr. "1~:USCntt'li:'1',' I`1Cani; Ih;: I'l1;ht tc) rCClilll~.; (iii: N;)le tlt)ld;:r tO diatl;;;l(1 1):1}'1T'C[ll nl a(nO:1ntS duC. ";~JUtICe of Dishonor" nu:aas 1110 ri;,itl !c: rctl:lirt: thl: ti't)'c. c ]older to Jive no[te]: to other' 1)l:rsoc~ laa: amounts clue have, riot been paid. Ili. ,~i'3'I,1(.:r1131.d•: i.:114' "I'I:is Nate. shaft he J,overncd h}' t:)C laws ul tile. State of P;aul:;ylvania. If a taw, w'liidt applies to this loon anti sets maximun: lc;an t:;n;r's~c:, is I'in:dl)' intccprctcd sc) that thl: intt•n:rt and utiler c#ta:g,cs cx)slcc•teti ter to be collected fir. eonncctitm Wilt lilts loan cxcl•cit llu: 1)crutiUetl !in)its, alun: iaj an)' such inlc:est or uthi:r charge shall ;x' rctl;lccd by the: a:nt)unt Ilcctssary to rixJuce. the interest t)r c)tttcr char}.~c to ltc perlnittcti I:ctit; atttl (h; any sums alrc:tdy ct)Ilccta! from ntc which cxccctJ permitted 3ilnits will br. 'l:fund4d tt) m;;, 1'hr Notc l~oldcr I:tay ::hnasc to u:akc this refund by rctl;lciri; t`tt:1'r#ncipal 3 owe under this Note or ~y making u dirl:ct paylrcaa to lei:. if a relllrtd rccluc;cs Principal, ttte reduction will i)e U'eatcd as a Partial E'rc;paymcnt, but m no event wdJ a prt;payt:)r:l: charge J)c assessed if :he tio:t• I Jokier cilooscs tc) ri:ducc n;y Principal bala:)cc by applying such excess amounts. 01)058411)6 ~•-l t)5h1{AAr (Oct: ?it P t;7u : of :; Ioirialy: 5; 00 ~ `tii: 1 i. 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[> ~F4'C!€ lii ii~i;l?f(lik[li-'i: t4lE!'c r`::'::C:ii ~~ '%k;'~I:r .tjtiir: l~t1Ir04VCC IllllSt 1)iiY 1111 ti;Ullti Si=Cllltill 1)\~ Illy $t:C'IiCll}' lrll'rilliT!`l:(. 1' l~ilffl':it'i:7 1Lklti tC? ~~. Cl<;'.ti ~lt~> r'!c.^.~f ;;! t•^.~ CX11°.Ikttt)r! ::: E1115 1:l`rlt)(1. i_G:•1Llt`: :Il:l:' 91't'i'ilit`. 1111}' i't;itllill:.ti 1)t.`filitltt:) h;~ E.1:1< t:.~li:)t4' iR~i_e}i1:~1:1 \'~r:ta•:?C:`t :u.`'Fti: Ri)UCt::)1' (lt'IIYIIIII i)il t3la'rOtvCf. - ~~411"I"VISS ":"I'E 1:.'11~D(S} r~i~C 51:,~:.(Sl (:):~ 'I'i 1G IiVUSiltl''a~\ii). `~, /~ RfiQPF RIGS fit>rn:+ter ._. ~ G ia. iroin~tt;- _ _. ---- -~ -.._. '.~~t'. iiornlt+~cr , E~i~~'~~5~4~~1~ 71069017515105310114 July 27, 20114 V[A Fvst Class Mail VIA Certified Mail (rewm receipt requested) Certified Number :71069017515105310114 Rhona Rice 924 Forbes Road Carlisle, PA 17013-(x)00 a~ e ~ .. a, F. ,°~.. :~~: ., .,n,,. ,. ~« ,. ,, Re: Loan Number: "" 10(RI_K I ~ : ' Property Address: F' 97"1 I'uih•s Read ('~uh.l: I':1 fall 3•!Nx)11 ~ ., 1 z} F....a>..., ~ ~.~x ~~ '".K= Please see the enclosed Document at"r~tvnrxt•.z EXH16\T l1 ~i~ July 27, 2004 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paves. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save vour home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving vour County are listed at the end of this Notice. If yon have any questions, you may call the Pennsylvania Housine Finance Agency toll free at 1-800-342-2397(Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in vour area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADLICCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PLTEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Rhona Rice PROPERTY ADDRESS: 924 Forbes Road, Carlisle, PA 17013-0000 LOAN ACCT. NO.: 1fN1948157 ORIGINAL LENDER: NEW CENTUKY MORTGAGE CORPORATION CURRENT LENDER/SERVICER: Ocwen Federal Bank FSB ACT9IPAPRN2 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE "ACT"), YOU MAY BE ELIGIIiLE FOR EMERGENCY MORTGAGE ASSISTANCE: iF YOUR DEFAULT HA5 BEEN CAUSED BY CIRCUMSTANCES BEYONDYOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OFFORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you tttust arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. IC is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice (see Following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from [he Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YO[1 Mi1ST FILE YOL1R APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIOllS S>J"1' FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATF,LY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. AC791PAPRF.2 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRLJPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date). NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at 924 Forbes Road, Carlisle, PA 17013-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 4 payments in the amount of $1,070.85 from April Ol, 2004 through July 27, 2004 DETAIL SUMMARY Principal and Interest ..................................... $ 4,283.40 Escrow ............................................................ $ 0.00 Total Late Charges ........................................ $ 642.48 Non-sufficient Funds Charges ....................... $ 0.00 Other Advances .............................................. $ 230.50 Interest Arrearage ......................................... $ 0.00 Non-Escrow Balance ...................................... $ 0.00 Subsidy Balance (CREDIT) ........................... $ 0.00 Suspense Balance (CREDIT) ........................ $ 896.54 Non-NSF Fees ............................................... $ 0.00 Interest Reserve Balance ............................. $ 0.00 TOTAL DUE ........................... $ 4,259.84 HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS, $ 4,259.84 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Western Union Ottick Collect, Certified Check or Money Order made payable and sent to: OCWEN FEDERAL BANK FSB, PO SOX 514577 Los Angeles, CA 90051-4577 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and yott may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. ~t•r~mnrxr•.a IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were achtally incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- it is estimated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERY[CER: Name of Servicer: OCWEN FEDERAL BANK FSB Address: 1675 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33401-2122 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. ACT4(PAPRF2 YOLT MAY ALSO HA VE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDCR. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of ali Counseling Agencies listed in Appendix C, FOK THG COUNTY in which the property is located, using additional pages if necessary) Af3'v13',AI'RF.2 VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN BY: lava Zio squire Attorney or Plaintiff ,~ Dated: ~ ~ - 3 -- O ~ ~.~ - S . ~ ~l1(1 ~ ~ ~ , ~ - ~ -~ ~ . ~ ~, 1 i a ~ ,-.~ ~~ ~, ~.. r.~ ~- - ~-s ~ ~ _ ~~ C::> .~_ )) ~ ~ "ra t~ 1 (~`~'V ;.i ~7 l , _.{ f .) .,. ,. !_` w ,''t7 r¢ ~.9 ~~ l.':J "'< v SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF VS. ' Rhona Rice a/k/a Rhona H. Rice DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-556? CIVIL TERM PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & KREISMAN BY: 5~-- ILANA ZION, ES IRE Attorneys far Plaintiff U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 v. Rhona Rice a/k/a Rhona H. Rice VERIFICATION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to thf; best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: 11/03/2004~.~~.~-~--~ (~ ~J~ ame: Laurie O'T~ol Title: Foreclosure :Facilitator Company: Ocwen Federal Bank Loan: 100948157 04-22662 1.~ ~~.': ? ~., i _c'^ -t; ~,._ -,- <.~~3 ~;." _il3 C},% ^~ ~ ~~.1 ~~/ SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CIVIL DIVISION Trust 2002-HE 1 Mortgage pass-Through CUMBERLAND COUNTY Certificates, Series 2002 HE1 PLAINTIFF ~ N0:04-5563 CIVIL TERM vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANT(S) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $161,556.20 in favor of the Plaintiff and against the defendant, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid $150,341.96 Interest at 7.49% from March 1, 2004 to December 31, 2004 (306 days @ $30.85 per diem) $9,440.10 Late charges (for certain months prior to default and every month after at a rate of $53.54 per month) $910.18 Property Inspections $10.50 Suspense/LJnapplied Balance ($896.54) Title Search Report Fees $250.00 Attorneys Fees (As stated in Complaint) $1,500.00 TOTAL AMOUNT DUE $161,556.20 BY: Joseph Rejent, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of $161,556.20. Pro. Prothy. 04-22662 SHAPIlZO & KREISMAN, LLC BY: DAVID FEIN, ESQ., JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 82628, 59621 & 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 1665 Palm Beach Lakes West Palm Beach, FL 33401 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: VS. Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 DEFENDANT STATE OF: FLORIDA COUNTY OF: ORANGE AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE 1 J(~-~ By: A E: Laurie O'Tool ITLE: Foreclosure Facilitator Sworn to and subscribed before me this 3rd day of November, 2004. 04-22662 t _ 'f? Y PUS.+L ~~~ Queen Michelle Roberts ~ My Commission DD145947 ~a w~ Expires August 28, 2006 SHAPIRO & KREISMAN, LLC BY: DAVID FEIN, ESQUIRE ATTORNEY I.D. NO: 82628 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF VS. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, November 30, 2004 to the following Defendants: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 cif <`~u~ .~ C-~~~~ ~..P ~~ ~ Laraine Colwell, Legal Assistant to David Fein, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KREISMAN, LLC BY: DAVID FEIN, ESQUIRE ATTORNEY I.D. NO: 82628 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl PLAINTIFF VS. Rhona Rice alkla Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Rhona Rice alk/a Rhona H. Rice DATE OF NOTICE: November 30, 2004 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to fmd out where you can get legal help: Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su pane en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in come o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o Name por telefono a la oficina cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Telephone: 717-249-31 b6 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THI5 LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 ._--- --~~ Davic~Fein, Esquire Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610} 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. Rhona Rice a/lc/a Rhona H. Rice DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:04-5563 CIVIL TERM CERTIFICATE OF SERVICE I, Joseph Rejent, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following persons} or their attorney of record: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Date mailed: SHAPIRO & KREISMAN, LLC BY: Jo ep Rejent, Esquire Attorney for Plaintiff 04-22662 ~ ~, c N ~~ c-~ ~ ~ ~ "fi w~i , ~~ ~1 1 Irv "r~ ; ~ -i :c'' °c,. ,_ ..c WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-5563 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A.. AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL ONE INC., TRUST 2002-HE 1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2002 HE 1 Plaintiff (s) From RHONA RICE A/K/A RHONA H. RICE (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b} the garnishees} is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that hetshe has been added as a garnishee and is enjoined as above stated. Amount Due $161,556.20 L.L. $.50 Interest FROM 1/1/05 TO 6/8!05 - $5,270.85 Atty's Comm % Due Prothy $1.00 Atty Paid $113.70 Other Costs Plaintiff Paid Date: JANUARY 6, 2005 CURTIS R. LONG (Seal) Prothonot ~~ `-Ii~:~Gt„. o _ ~ . ~A~ 9~ Deputy REQUESTING PARTY: Name JOSEPH REJENT, ESQUIRE Address: SHARPIRO & KREISMAN, LLC 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 59621 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE1 Plaintiff vs. Rhona Rice a!k!a Rhona H. Rice Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 04-5563 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) To The Prothonotary: IS$'liV ti~'lIi ~f l:~CCUL1U11 lid 1.11 al7u'vt; llialicl~. Amount Due Interest from January 1, 2005 to June 8, 2005 (Costs to be added) $161,556.20 $5,270.85 Jos h ejen ,Esquire, Attorney for Plaintiff C.•. ~~i ~.~ ~ l 1 ~ V V v , {. ^~.' V t~~.` ~ r/ Vim`'-d„ r C'2 ~_~: ~f-~• ~ ! : ~> ") -=- _ V ` _ LE._ ~ ~: ~ ' ^ ` (__ TJ , . 111 b~ ~ , ../ a ~, i..i . 0 ~ ° ~ ,wa ~ , s F ,~ a A a p y, z a~ .: ~ ~ W a~ ~ o F c V a w ~x ~ a~ ~ O ~, " x ~ +- ... ~; ~~ ~" N :. ~ O o W M ~ ~ o ~ F~~C a~ ~~~ c ~ w ~AW~ `°~ ~ O U Z V z o o ~ u ~v,Nw ~ ~ e~ awl ~ e~10 ~ V a ~? o F ~~ C~ 1 ~ ~,' O ~.'"„~ F ~z N !"'y G~~i ~U ~ W ~ e~ Uw w O a '= d ~o h W .~. ~~ ~ a n, C~~ a n ti r ~~ J~ SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl NO: 04-5563 CIVIL TERM PLAINTIFF vs. ; Rhona Rice a/k/a Rhona H. Rice DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 924 Forbes Road, Carlisle, PA 17013. 1. Name and address of Owners} or Reputed Owner(s) Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 2. Name and address of Defendant(s) in the judgment: Rhona Rice aJk/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEI, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Square Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Harrisburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: Jos ph Rejent, Esquire 04-22662 ;~ ~~ C} t " _ ~ '-~ ~ _ ~ , ~ ~ ~ ~1 = x;~u ~. _ -~ -ra f - :7 ~,_ ~~~~ ~t'Y !. ..Z SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. Rhona Rice a!k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on June 8, 2005 at: Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE 1 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than July 8, 2005. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 LEGAL DESCRIPTION ALL THAT CERTAIN parcel of land situate in Carlisle, County of Cumberland and Commonwealth of Pennsylvania being known and designated as Lot 3, Section "E", Plan 2 of Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Book 23, page 126. TAX ID# OS-19-1647-045 C~ ' N ~~ c ~ ~ ~ ~- r , ~ _~ t^j"t ' )~ - ~-ti . r .) i.~. :" ~ -c°, 6 _ ~" :ti ~' N SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. Rhona Rice a!k/a Rhona H. Rice DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:04-5563 CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: U.S. Bank, N.A., as Trustee forthe holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 and that the last known address(es) of the judgment debtor (Defendant(s)) is: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 SHAPIRO & KREISMAN, LLC BY: Jos ph Rejent, Esquire Attorney for Plaintiff 04-22662 c~ r- ~ c~ ~7 C.f'7 '€~ Z3~_ ~ "r ..~ f~l ~ 1 '" ... _. ~_ 'Y ~. ' ~ T fit ~.~ r ... ff~~ t ~ _\ ~ ~"' ~ r~+y - < SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl ; PLAINTIFF VS. Rhona Rice a/k/a Rhona H. Rice COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM DEFENDANTS} CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (Cl (21 I, Laura Schwanholt, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, U.S. Bank, N.A., as Trustee for the holders of Morgan 15tanley Dean Witter Capital One Inc, Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, hereby certify that Notice of Sale was served on all persons appearing on Exhibit. "A" attached hereto, by United States mail, first class, postage prepaid, with Certi&cates of Mailing on January 28, 2005, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN. LLC Laura Schwanholt Legal Assistant 04-22662 m C &~+a cF ~~ ~'~a =` m• _Eo E ~'~~ o L i O d am.- Ewa m t m s % U O'N q m O ~ m ~ c o m m N n '~ Z ~ J ~ ^^ v O w o ,. g > m m¢ ° n ~_ c 4 o_ 0. N N N E C~ ALT N ~ ~ O L E~ e~ i° C - N QU=~ ^Q~~ d d j LL Cy 9 m "O ~ Na ~ m ~ ~ ~4rtN ~~ ~ y W ~ - V N ~OO~O a d N~ N [ir E mg @J ~ ~ q ~~ ~~ N~ ~ m~ m 9 N to in 0 O O y O N O1 T e~tV 0 i~QU ~' ~_ -L N x~ 07 g ,h ~ U a ~ ryn ti ~ ~ ~d ~~ ~m ~ .!S ~~~u ~311Nt1 <-r o 4 v 0 ~ v -- ~gN ,,,;aa ~~~€.~ ;~~~~~ ,._-~ ego d ~~ ~~~N E~s~~s w..E~ ~.~~5$ ~~c£US ~~;~n 160 hNy~ 9 `~ 4 N C A ry N d N E C V J ~ C p, a 9 ~ y ~C ~ G A O m 3 N N L ~gE ~ ub ~~~g°,~ cew~w~"fi g~°' g~E 9 ~ ~ E cO c m o ~~~°mm ~` _r N E c c 3~~~-~~ rv ~ ~ ~ ~ m m Ada ._ o ~~ oo ~¢s e ~ `o_ e Gi0 `~ a _m "cd~~to: ~~~~y~ ~~ ro~~8s O `Zs J M ~_ r __",l a a !J r °F N N lC! o ~ d (+y r r F J O ~ ~ T ~ QI r ~ ~ h e.^ K o,o ~ ~ ~ N N a tY ~o~ ro~~ ~~ N N~-. aw« ~'Q ~ END y w N d u X ~ O'er Quo ~ p m ~ y ~ c a a~ ' `o ~ ~ ~ 2 d ~ ^^ p m c m ~ ? m ~ U m O c a 0 n q w m € ~ d p ~ e E °1 °' U m _¢ m v ~ d = ~U_p ^ ~ Q ^ LL E '~ N O d y m a a a _ d p - Y w K ~~ rn UD~I~^ a° m a` a 0 s ~~ N w~IQ~ ti. m ~ E W yyyy ~ ~N~ a 0 a ~~~ Nn T'E . t 7 Q 2 N N d G d c 'a E LL u LL 1 Q N ~L doQ C ~N s QN W y O~ ~T a ¢ PV r~ 4 e~ °jO .9 w ' ~~ W Y 2 v d Y S ~ 'd11N(1 ~ ~ ~ Z ~°yy~af~ n ~ '" m ~ ~ c c a ?N `~?~x E ~ E_q ~E- a "m'-aF E~'E~~4 Em'~nya E y :' m _ y ER `mo EowgE~ a~oLO~ 1-„ v=U> ESA`°'°p &~ v v ~ ~ q F E E E c t a a a v~ a a.SNy_ 'm_ a"m E'-lac 'm~ E ~>t dd~°s gw v8 ~w N y f N Ya 'a'=E ~Naa E~ a a 3 i o _`o m = o °rv E v `tl a°p~a_ va m P ~ ~ ` m ~~w~ENi 'c°o'~$ ;_t E°i oy - c E a m m ~' i $ m ~ ~ ° a ~^o~~cm ~o~i'w 10=. E ~ 'ya~apa `m m'~a a ' o m A m m U Q U C1 a Q o ^' ~ a ~. E ~ ~ za E 'h V In (D h OJ lA O ~ T ~ T T m m ~ Fa N a 0 3 c -~, ~ ~ ~ ~ r ~ ~. SHERIFF'S RETURN - REGULAR CASE N0: 2004-05563 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK NA VS RICE RHONA ET AL CHIEF DEPUTY RONNY ANDERSON Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE RICE RHONA AKA RHONA H RICE was served upon the DEFENDANT at 1620:00 HOURS, on the 8th day of November 2004 at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE CARLISLE, PA 17013 by handing to RHONA RICE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 3.70 Affidavit .00 Surcharge 10.00 So Answers ~~_.,. ~ R. Thomas Kline 11/09/20 " SHAPIRO Sworn and Subscribed to before By: me this day of -~ ~/'ura ~, ~.. ~G~ . j' A . D . ~^ ~1` Pr othonotary SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ' Morgan Stanley Dean Witter Capital One Inc. ' Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 ; PLAINTIFF VS. Rhona Rice a/k/a Rhona H. Rice DEFENDANT(S) , COURT OF COMMON (PLEAS CUMBERLAND CO TY NO: 04-5563 CIVIL SUGGESTION OF BANKRUPTCY TO THE PROTHONOTARY: It is hereby suggested of record that Rhona Rice a/k/a Rhona H. Rice above captioned case has filed Bankruptcy under Chapter #7, under Docket March 4, 2005, in the Middle District of Pennsylvania and the above Mortgage Foreclosure is accordingly stayed during the pendency of the BY: ~~~O~a~ Jos~p15 Rejen~, Esquire Attorney for Plaintiff ~fenda in the . OS-O1 06 on Action n r-.~ ~.' cn ~.7 <JI _ _j~ • ~i ..... tT? ,i> _. -. ; i"I 7~ G) U.S. Bank, N.A. et al VS Rhona Rice a/k/a Rhona H. Rice In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2004-5563 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this is returned STAYED per instructions from Attorney Joseph Rejent. Sheriff s Costs Docketing 30.00 Surcharge 20.00 Share of Bills 16.47 Poundage 2.03 Advertising 15.00 Levy 15.00 Mileage 3.70 Law Library .50 Prothonotary 1.00 $ 103.70 Sworn and subscribed to before me So s rs: ~~~ This y day of R. Thomas Kline, Sheriff 2005, A.D. BY ` ~ C 0 ~Sn~u-~=L~ rothonotary Real Es ate Deputy j g0 I ~~,~ ~ b e~- ~~' SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital C Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was ffied, the following information concerning ttte real property located at 924 Forbes Road, Carlisle, PA 17013. Name and address of Owner(s) or Reputed Owner(s) Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Name and address of Defendant(s) in the judgment: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property whose interest may be affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Squaze Carlisle, PA 17013 Name and address of every other person of whom the plaintiff has knowledge who any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Hamsburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 I verify that the statements made in this affidavit are true and correct to the best of personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of I8 Pa. C.S. Section 4904 relating to unsworn falsification authorities. SHAPIRO & KREISMAN, LLC BY: t.AuIIL Jos ph Rejent, Esquire 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM PLAINTIFF vs. ' Rhona Rice a/k/a Rhona H. Rice DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on June 8, 2005 at: Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., a Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff s Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the ho ders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE 1 the amount of the judgment plus costs or th back payments, late charges, costs, and reasonable attorneys fees due. To find out how uch you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or op~n the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You maybe able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than July 8, 2005. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 LEGAL DESCRIPTION ALL THAT CERTAIN parcel of land situate in Carlisle, County of Cumberland and Commonwealth of Pennsylvania being known and designated as Lot 3, Section "E", Plan 2 Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Boo page 126. 23, TAX ID# OS-19-1647-045 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 04-5563 Civil COUNTY OF CUMBERLAND) CIVIL ACTION-LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A.. AS TRUSTEE FOR THE HOLDER OF MORGAN STANLEY DEAN WITTER CAPITAL ONE INC., TRUST 2002-HE 1 MORTGA PASS-THROUGH CERTIFICATES, SERIES 2002 HE 1 Plaintiff (s) From RHONA RICE A/K/A RHONA H. RICE (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession oY' GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined fr m paying any debt to or for the account of the defendant (s) and from delivering any property of the defen r. (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added a a garnishee and is enjoined as above stated. Amount Due $161,556.20 L.L. $.50 Interest FROM 1/1/05 TO 6/8/05 - $5,270.85 Atty's Comm % Due Prothy $1.00 Atty Paid $113.70 Other Costs Plaintiff Paid Date: JANUARY 6, 2005 CURTIS R. LONG (Seal) Deputy REQUESTING PARTY: Name JOSEPH REJENT,ESQUIRE Address: SHARPIRO & KREISMAN, LLC 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 Attorney fox: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 59621 Real Estate Sale # 17 On February 15, 2005 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 924 Forbes Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: February 15, 2005 Bys:~ f~c~ ~w~.e~~~ Real Esta Deputy I n~ I d L- Ntlf 5002 'dd'illl~iiU~ u;<, iti~'~l~liiJ ~~Ia3HS ]ill ~0 3~1~~0 >y SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of ; COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 NO: 04-5563 CIVIL TERM PLAINTIFF vs. ; Rhona Rice a/k/a Rhona H. Rice ' DEFENDANTS ' NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on September 7, 2005 at: Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 against you. ^- NOTICE OF OWNER'S RIGHTS To prevent this Sheriffs Sale you must take immediate action:.• 1' U Oti,,~. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE1 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the day of sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 LEGAL DESCRIPTION ALL THAT CERTAIN parcel of land situate in Carlisle, County of Cumberland and Commonwealth of Pennsylvania being known and designated as Lot 3, Section "E", Plan 2 of Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Book 23, page 126. TAX ID# OS-19-1647-045 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: U. S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One, Inc Trust 2002-HE 1 Mortgage pass-through Certificates Series 2002 HE1 vs. ( )Confessed Judgment ( )Other 04-5563 File No. $161,556.20 to 9/7/05 $8,055.45 Amount Due' _ Interest 1 / 7 /OS Rhona Rice a/k/a Rhona H. Rice Atty'S Comm COStS TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the / ^ „ ' '~ defendant(s) described in the attached exhibit. Date _ ~/~T~S~ Signature: '~ Print Name: Address: Joseph Rejent, Esquire 2520 Renaissance Blvd., Ste. 150 of Prussia, PA 19406 Attorney for: 59621 Plaintiff ~~N..,~,., .,...,.,.. ,..,.. (over) Notes: If real property, supply six copies of description including improvements and an original and copy of affidavit of ownership (PaR.C.P. No. 3129). V ~~ ~r If lengthy personalty list, supply four copies of list. To index writ, file separate praecipe with writ. ~ '~ ~ ~ ~ ~ ~ ~ ~ d ~ o ~ c ~ •~ ~ ~ 0 f ,, h O~ r~ i(~ W ~ ~ ~ C /~-~ ~i , '_ i ~ ' T=. i i (: ~I fS -• c WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-5563 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL ONE, INC. TRUST 2002-HE 1 MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2002 HEl, Plaintiff (s) From RHONA RICE A/K/A RHONA H. RICE (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $161,556.20 L.L. Interest 1/7/05 TO 9/7/05 $8,055.45 Atty's Comm% Due Prothy $1.00 Atty Paid $126.20 Other Costs Plaintiff Paid Date: MAY 31, 2005 CURTIS R. LONG Prothonotary ^ ~~ Deputy REQUESTING PARTY: Name JOSEPH REJENT,ESQUIRE Address: 2520 RENAISSANCE BLVD., STE.150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-275-6800 Supreme Court ID No. 59621 ~I ~ UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: Rhona Hunter Rice CHAPTER 7 Debtor(s). BANKRUPTCY CASE NUMBER U.S. Bank, N.A., et al. 1-OS-bk-01206MDF Movant, v ~ 11 U.5.C. § 362 Rhona Hunter Rice Debtor(s), Mazkian R. Slobodian, Trustee, Additional Respondent(s). ORDER AND NOW, at the Middle District of Pennsylvania, upon the failure of Debtor(s) to file an answer, appear or otherwise respond to the Motion of the above Movant for Relief from the Automatic Stay, and for good cause shown, it is hereby ORDERED AND DECREED that the Automatic Stay of all proceedings, as provided under section 362 of the Bankruptcy Reform Act of 1978 (The Code) 11, U.S.C. 362, is lifted to allow Movant to proceed with, or to resume proceedings in Mortgage Foreclosure, including, but not limited to Sheriff s or Marshal's Sale of 924 Forbes Road, Caziisle, PA 17013 (the "Mortgaged Premises"); and to take action, by suit or otherwise as permitted by law, in its own name or the names of its assignee, to obtain possession of the Mortgaged Premises. BY THE COURT, Date: May 3, 2005 This electronic order is signed and filed on the same date. SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF ; vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129 1 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 924 Forbes Road, Carlisle, PA 17013. Name and address of Owner(s) or Reputed Owner(s) 2. 3. Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Name and address of Defendant(s) in the judgment: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A, as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Squaze Cazlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Harrisburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 s I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: ,~ Jos h ejent, squire 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF V S. Rhona Rice a/k/a Rhona H. Rice COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM DEFENDANT CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (21 I, Laura King, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on July 29, 2005, the originals of which are attached and that each of said persons appeazs on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN, LLC Laura King Legal Assistant 04-22662 ~ ~ c7 p, ~~:.- 4 try 7 "b , ._.: ~ t y ~^{M1 yr i. :~ G„ ~- 'p cri .~ .,' r F~. @: ti.c C C. ~gawg3 m a a 8 6 L ~^ U S N _ TN E `oa C ? @ F O °^ N ~S~a,m v ' r ~ - ~55 ~C ~MON ~~ of v A ~ m` w 8 3 ES Q~~o w .~ E . 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T 9 E ~~~ A ~m~€m~ ~~~^~ ~~ m 3 ~ ~ ~ o y ~~~~ ~=~F~= ~.~~`~ a o~ m _~ a Sago~~ o O k..,.A' D 1 ~ ~ ~ ~ ~ o ~ ( U ~a 4 ~ 1~ , ~ ~ ~ Qr ~ ~ 2~ Q :! t °~ ' ki ~ ~ ~ . <2 ~ ~ W m~v (~ \~ N ~ C G O Evin m V y s~ m n ,~ 2 `o ~ ~ N ~ ~ ~ ~ m ^ ~m ~ ~ M ~ r N ~ 7 ~ 5 a 1 'J f/J a SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 27$-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEI PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM PLAINTIFF'S PETITION TO CONTINUE SHERIFF'S FORECLOSURE SALE ON REAL PROPERTY Plaintiff/Petitioner, U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 ("Plaintiff'), by and through its counsel, Shapiro & Kreisman, LLC, hereby files this Petition To Continue Sheriffs Foreclosure Sale On Real Property, and in support thereof, avers as follows: Plaintiff filed its Complaint in Mortgage Foreclosure on real property situated at 924 Forbes Road, Carlisle, PA 17013 (the "Property") against Rhona Rice a/k/a Rhona H. Rice ("Defendant") on November 4, 2004. Plaintiff entered Judgment against Defendant in the above mortgage foreclosure action on January 6, 2005. 2. Plaintiff initially scheduled its Sheriffs Sale of the Property for September 7, 2005. 3. Upon learning that service of the Notice of Sheriffs upon Defendant had not been effectuated, Plaintiff requested a postponement of the Sheriffs sale to December 7, 2005. 4. Plaintiff has Brill been unable to serve the Notice of Sheriffs Sale upon Defendant. Plaintiff respectfully requests that this Honorable Court grant Plaintiffs Petition to Continue the Sheriffs Sale from December 7, 2005 to March 8, 2006. 6. Said continuance will in no way prejudice Defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant Plaintiffs Petition to Continue the Sheriffs Sale from December 7, 2005 to March 8, 2006, without further advertising, costs or notice. Respectfully submitted, SHAPIRO & KREISMAN, LLC BY: `~2 J e h Rejen ,Esquire Attorney for Plaintiff 04-22662 VERIFICATION I hereby verify the facts set forth in the Petition to Continue the Sheriffs Sale on property situated at: 924 Forbes Road, Carlisle, PA 17013 are true and correct to the best of my knowledge, information and belief. I understand false statements knowingly made herein are subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification of authorities. SHAPIRO & KREISMAN, LLC ~- Dated: ~ ~~~ - ~,,~ BY: ___ ~~ Jose h ejent, squire Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. ; Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM CERTIFICATE OF SERVICE I, Joseph Rejent, Esquire of Shapiro & Kreisman, LLC, attorneys for Plaintiff, U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 hereby certify that a t}ue and correct copy of the foregoing Petition to Continue Sheriffs Sale was sent on ~ c''1 by first class mail, postage prepaid, to the following: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 SHAPIRO & KREISMAN, LLC BY: CC~+~ Josep~Esquire Attorney for Plaintiff _ _~ ;-. , .~ t~ ._ , ~~ ~i SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM ORDER DEyC~O 6 2005 r' AND NOW, this ~, , _, day of , 2005, upon consideration of Plaintiffs Petition to Continue Sheriffs sale on Real Property situated at 924 Forbes Road, Carlisle, PA 17013 and after notice of the filing of said Petition to Defendant, it is hereby ORDERED that the Cumberland County Sheriffs sale on the aforementioned real property scheduled for December 7, 2005, be continued to March 8, 2006, at the location previously noticed on all parties without further advertising or notice necessary; and it is further ORDERED that the Cumberland County Sheriff announce said continuance at the Sheriffs Sale on December 7, 2005; and it is further ORDERED that a copy of this Order shall be served upon Defendant via first-class mail, postage pre-paid. ~,-'"~~ ~~ 1Jo BY THE COURT: J. ~~; , ~a , U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- , Through Certificates, Series 2002 HE1 Plaintiff vs. Rhona Rice a/k/a Rhona H. Rice Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 04-5563 CIVIL TERM PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) To The Prothonotary: Issue Writ of Execution in the above matter: Amount Due Interest from January 7, 2005 to September 6, 2006 (Costs to be added) $161,556.20 $20,155.20 ~ ~~~ Jo ph Rejent, squire, Attorney for Plaintiff u d G o ~ d 6 Q ~ E; p+ W w H d in N ~ ~va Z x o ~ ~ ~ F ~ ~ u N ' ` ' d v ~' ~ N ~ 3 ~ ~ o ° ~ ~ .. N d A ~ ~ m ~ d d .. ~, o U z,caU '~ ~ V1 N Y Z ~ C m y ~ on~,V rn o ~ ~~ a A w Ay W % ~1 J U~ a o ~" b11 ~ ~~ ~ ~x'~ ~Qx 0 H ~ U ai O O O U d W ~, OA UW o P~ u -f- ~ ~ ~ _ - - + 1 ~ ~ ~ O 'J ~ U ~J <7 2' ~ ~ (~ 1n ~ M " -9 ~ " _~ ~ J O ~' d d fl da ~ ~~ v ~- ALL THAT CERTAIN piece or parcel of land with the improvements thereon erected situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being Lot No. 3, Section "E", Plan #2 of Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Book No. 23, Page 126, more particularly bounded and described as follows: $EGINNING at a point on the southern side of Forbes Road, as it appears on said plan, which point is located 215 feet from the east side of Meeting House Springs Road, and which point is also the dividing line between Lots Nos. 2 and 3, Section "E", on said plain; thence along Forbes Road North 76 degrees 9 minutes East 100 feet to a point in line of Lot No. 4, Section "E" on said plan; thence along the dividing line between Lots Nos. 3 and 4 on said plan South 13 degrees 51 minutes East 98.03 feet to a point in line of land of the Plan of Burr Heights; thence along said plan of Burr Heights South 69 degrees West 100.78 feet to a point on the dividing line between Lots Nos. 2 and 3, Section "E", on the Plan of Meeting House Heights; thence along said dividing line North 13 degrees 52 minutes West 110.57 feet to a point on the southern side of Forbes Road, the Place of BEGINNING. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-$563 Civil CIVIL ACTION - LA~V TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL ONE INC.172UST 2002-HE 1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2002 HEl, Plaintiff (s) From RHONA RICE AIK/A RHONA H. RICE (1) You axe directed to levy upon the property of tke defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not Levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garrushee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof, (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlhex that helshe has been added as a garnishee and is enjoined as above stated. Amount Due $161,556.20 Interest FROM 1/7/05 TO 9/6/06 - $20.155.20 Atty's Comm Atty Paid $644.10 Plaintiff Paid Date: MARCH 13, 2006 (Seal) L.L. Due Prothy $1.00 Oflier Costs Prothonotary '`~ By: Deputy REQUESTING PARTY: Name JOSEPH REJENT, ESQUIRE Address: SHAPIRO & KREISMAN, LLC 2520 RENAISSANCE BLVD., SUITE 150 HING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 59621 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO; 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of , Morgan Stanley Dean Witter Capital One Inc Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANT(S) CyURT OF COMMON PLEAS IVIL DIVISION CUMBERLAND COUNTY N0:04-5563 CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE 1 1675 Palm Beach Lakes West Palm Beach, FL 33401 and that the last known address(es) of the judgment debtor (Defendant(s)) is: Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 17111 SHAPIRO & KREISMAN, LLC BY; ~ ~r'.~~ J ep'h Rejent, Esquire Attorney for Plaintiff 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY LD. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; COURT OF COMMON PLEA5 Morgan Stanley Dean Witter Capital One Ina ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 NO: 04-5563 CIVIL TERM PLAINTIFF vs. ; Rhona Rice a/k/a Rhona H. Rice DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.5. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE 1, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 924 Forbes Road, Carlisle, PA 17013. Name and address of Owner{s) or Reputed Owner(s) Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 17111 Name and address of Defendant(s) in the judgment: Rhona Rice aJk/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 1711 I 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 ~'a~z r~;, Name and address of every other peistwho has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Square Carlisle, PA 17013 Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Harrisburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 ;~ I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: ~d,( r~( Jo~p Rejent, Esquire 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO.04-22662 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 17111 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on September 6, 2006 at: Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE1 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid For your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 ALL THAT CERTAIN piece or parcel of land with the improvements thereon erected situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being Lot No. 3, Section "E", Plan #2 of Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Book No. 23, Page 126, more particularly bounded and described as follows: BEGINNING at a point on the southern side of Forbes Road, as it appears on said plan, which point is located 215 feet from the east side of Meeting House Springs Road, and which point is also the dividing line between Lots Nos. 2 and 3, Section "E", on said plain; thence along Forbes Road North 76 degrees 9 minutes East 100 feet to a point in line of Lot No. 4, Section "E" on said plan; thence along the dividing line between Lots Nos. 3 and 4 on said plan South 13 degrees 51 minutes East 98.03 feet to a point in line of land of the Plan of Burr Heights; thence along said plan of Burr Heights South 69 degrees West 100.78 feet to a point on the dividing line between Lots Nos. 2 and 3, Section "E", on the Plan of Meeting House Heights; thence along said dividing line North 13 degrees 52 minutes West 110.57 feet to a point on the southern side of Forbes Road, the Place of BEGINNING. U.S. Bank, N.A., as Trustee for the In The Court of Common Pleas of Holders of Morgan Stanley Dean Witter Cumberland County, Pennsylvania Capital One Inc., Trust 2002-HE 1 Writ No. 2004-5563 Civil Term Mortgage Pass Through Certificates, Series 2002-HEl VS Rhona Rice a/k/a Rhona H. Rice R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant, to wit: Rhona Rice a/k/a Rhona H. Rice, but was unable to locate her in his bailiwick. He therefore returns the within Real Estate Writ, Notice of Sale and Description as NOT FOUND, as to the defendant, Rhona Rice a/k/a Rhona H. Rice. The local mail carrier verified with Cumberland County Sheriffs Deputy that the defendant moved, but did not leave a forwazding address with the post office. Richazd Smith, Deputy Sheriff, who being duly sworn according to law, states that on July 12, 2005 at 6:22 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Rhona Rice a/k/a Rhona H. Rice, located at 924 Forbes Road, Cazlisle, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per instructions from Attorney Joseph Rejent. Sheriffs Costs: Docketing 30.00 Poundage 9.86 Posting Handbills 15.00 Advertising 15.00 Prothonotary 1.00 Mileage 8.00 Certified Mail 2.45 Levy 15.00 Surcharge 20.00 Postpone sale 40.00 Law Journal 149.00 Patriot News 179.39 Shaze of Bills 18.20 $502.90 Sworn and subscribed to before me ~~ .~ This ~ day of `rhQ.,,,,,nJ R. Thomas Kline, Sheriff 2006, A.D. -~_p P onotary BY vyU,~,~l Real Estate ergeant 1. ~° ~, s3 a ~y~ SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of ; Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates Series 2002 HEl ' COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEI, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 924 Forbes Road, Carlisle, PA 17013. Name and address of Owner(s) or Reputed Owner(s) Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Name and address of Defendant(s) in the judgment: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 s 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEI, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Square Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Harrisburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 r I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KRF.ISMAN, LLC BY: Jos h ejent, squire 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of ; COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 NO: 04-5563 CNIL TERM PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Cazlisle, PA 17013 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on September 7, 2005 at: Cumberland County Courthouse 1 Courthouse Squaze Cazlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HEl against you. NOTICE OF OWNER'S RIGHTS To prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE1 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may fmd out the price bid by calling (610) 278-6800. 5. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the day of sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FHiM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 06/17/2005 ALL THAT CERTAIN parcel of land situate in the Borough of Cazlisle, County of Cumberland and Commonwealth of Pennsylvania being known and designated as Lot 3, Section "E", Plan 2 of Meeting House Heights, recorded in the Cumberland County Recorder's Office in Plan Book 23, page 126. TAX ID# OS-19-1647-045 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANI?~) NO 04-5563 Civil COUNTY OF CUMBERLAND) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL ONE, INC. TRUST 2002-HE 1 MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2002 HEl, Plaintiff (s) From RHONA RICE A/I{/A RHONA H. RICE (1) You aze directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also duected to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are duected to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $161,556.20 L.L. Interest 1/7/05 TO 9/7/05 $8,055.45 Atty's Comm % Due Prothy $1.00 Atty Paid $126.20 Other Costs Plaintiff Paid Date: MAY 31, 2005 CURTIS R. LONG Prothonot~ (Seal) Deputy REQUESTING PARTY: Name JOSEPH REJENT,ESQUIRE Address: 2520 RENAISSANCE BLVD., STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone:610-278-6800 Supreme Court ID No. 59621 Real Estate Sale #74 On June 17, 2005 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 924 Forbes Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 17, 2005 By: ~~©u,1 Real Estate eputy 0 ~iril LO .£ d Z- Nflf SOOT ~3~1 A3HS 3H1~~0~3j~~~OJ w THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Mazket Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established Mazch 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 19th and 26th day(s) of July and the 2nd day(s) of August 2005. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and chazacter of publication aze tme; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellan~6ets Book "M", Volume 14, Page 317. PUBLICATION .............. C COPY Sworn to and subsc 'be efore,~~s 16th day SALE #74 ////n iw i NOTARY PUBLIC My commission expires June 6, 2006 CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT-NEWS CO. For publishing the notice or publication attached hereto on the above stated dates 179.39 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Cazlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regulazly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Joumal on the following dates, 2005 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. REAL. ESTATE SALE NO. 74 Writ No. 2004-5563 Civil U.S. Bank, N.A., as Trustee for the Holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage Pass- Through Certificates, Series 2002 HEl vs. Rhona Rice a/k/a Rhona H. RSCe Atty: Joseph Rejent ALL THAT CERTAIN parce] of land situate in the Borough of Carlisle, County of Cumberland and Commonwealth of Pennsylvania be- tng known and designated as Lot 3, Section "E", Plan 2 of Meeting House Heights, recorded in the Cumberland County Recorder's Of- fice 1n Plan Book 23, page 126. TAX ID# 05-19-1647-045. Editor TO AND SUBSCRIBED before me this 29 day of July. 2005 LOTS E. SNYDER, Notary Public CarNSle 8oro, Cumberland County My Commission Expires March 5, 2009 t r ~A SHAPIRO & KREISMA BY: JOSEPH REJENT,: ATTORNEY I.D. NO: 3600 HORIZON DRIVE KING OF PRUSSIA, P? TELEPHONE: (610) 27 S & K FILE NO. 04-22~ U.S. Bank, N.A., as Trus Morgan Stanley Dean W Trust 2002-HE 1 Mortg Certificates, Series 2002 PLAINTIFF VS. Rhona Rice a/k/a Rhona LLC SUITE 150 19406 for the holders of ;r Capital One Inc. pass-Through Rice COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 04-5563 CIVIL TERM PURSUANT TO PA R,C.P 3129.2 (Cl (2 I, Heather Doyl ,Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, U.S. Bank, N. ., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 M rtgage pass-Through Certificates, Series 2002 HEI, hereby certify that Notice of Sale was serv on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on June 22, 2006, the originals of which are ttached and that each of said persons appeazs on PlaintifFs Affidavit pursuant to Pa. R.C.P. 3 29.1. The unders provided by 18 P.S understands that the statements herein are subject to the penalties on 4904. Respectfully submitted, SHAPIItO & KREISMAN, LLC BY: Bather Doyle Legal Assistant 04-22662 C. a m~ r 4 -1~ ~~ ~~ ~I ~ I ~ I I III III ~' i i ~,i sod I~ I~ ~!,~~ fig! ~ I~ I!I s ~ I~-~-- I _T i ~I i ~a ~ ~ ~c ~e~ 1 ~ ~.~~ \~~ to ~, R ~I j b~~ ~~ m~ ~ I ~~ ~j ~_T- _~-I - ~ -l-- I ~ I i ~ ~--- -F---~--- I -_ ~ ~ ~ ~ ~ v ~ ~ a3 J 'a I o~da ~- -- ~-- II A ~~-,-.~-__-i- ', w w1.:... .,., ttn ~I ~, `~,' ~'~ ~~ -~' r ul ~~ W~ ~~ ~I~ ~~ I I ~ ~I I I, £ o ~I ~' ~~ III ~~ i '~ i _ ___ ~ f s ~~I ~ ti .°~I° ~ n ,~I a.~ ~ ~ ~~ s ~. ~J ~ o °~~ ~ji~i~,l ~',~~a~~ ~ ~ ^~o^ `` `~ ~ I h~~A~~l `~I~II e3~~ ~ , c mm ~, ~ I i t e~°v• ~ ~ ~~ I ~ ~ ~~~ ~ i I ~ 1--- __ I_--t----~-- i I°~°?'~H~ I I i m ~~ s ~~~ A~3o$3 I _ ~ °~ I I I ~~ L`I --~--- - ~ oµ uwTFOS - ~ _ - ~ ~ p~r ~. ~ I~~I O zO ^ laa ~ ~ ~~ _ C7 Ny ¢ m N ~ `t ___ _ ~ g1 »l ~ S n o(~yy ~__ T .. o O ~ m m In ~$ n T A ^„ ~9~s ~~~ ~ ~ ~.~~~ ~~~~ ~~~~ ~- ~~ ~~ B$~~ ~~~~ ~ ~~~~ ~~ ~~ _c ~'~ ~~~'' ~~~m~~~ ffi ~~ ~~ ~~~~~ =a ~~ d =. ~. ~~ 1~ - G'; .'. ~ 1~... =z ~-~ ~ c_: ~z ° N h3 ~~ ~~ -f o 0 ~ X-! -~~a 235 5 UTH 13TH STREET PHILA ~~ ELPHIA, PA 19107 C 7 . PHON ~~ : (215) 546-7400 FAX: (. 15)9&5-0169 ~ -~ eOf~100/ r0[ PInrOMtOYW Ina ~ National Assotia(ion of Philetlalphia Assarsafipi Prolessionai Process Servers of Prolassional Process Serval U.S. Bank, N.A., et al COURT Court of Common Pleas of Pennsylvania -VS- ' COUNTY Cumberland County Rhona Rice a/k/a Rhona H. Rice CASE NUMBER 04-5563 AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLV NIA: B8R Control # CS025301 -1 COUNTY OF PHILADELPHIA: Reference Number 04-22662 SERVICE INFORMATION On 4 day of April, 2006 we received the Notice of Sheriff Sale for service upon Rhona Rice a/k/a Rhona H. Rice at 708 Hamilton Circle Harrisburg, PA 17111 **' Special Instructions *** 0 Served Date ~~ In the manner described below. Personally served. J Adult family member. Rel: Adult in charge of residen L~ Manager/Clerk of place of Agent or person in charge Other Description of Person Age 5 Other Not Served Date - Not Served Information ~ Moved r] ~ ,i Height -s 7 Weight ~~/.~ Race Balc Sex t cwt7~ Time No Answer ~ Vacant ~ Other The Process Server, being duly sworn, PAULA K. SMITH, NWery p~ worn to and subscribed before me this deposes and says that the fads set fo h StNquattllflrla TWII., herein are true and correct to the best f their MY CammkMon Ex91rM Fab, y, y~ppg ~G day of ~~ ~ pZCJt~f knowledge, information and beli - _ J Process Server/SMerifF-' Notary Public Law Finn Phone (610) 78-6800 Fo Joseph Rejent, Esquire ServeBy Date 4/24/2006 Shapiro & Kreisman Filed Date 2520 Renaissance Blvd. Suite 150 Sale Date 9/6/2006 King of Prussia, PA 194 6 1~-3r~ P'/ Accepted By: Rhdnq IP ce inship is who refused to give name and/or relationship. sidence lodging office or usual place of business - ORIGINAL osavc .~ N d ~ ~- c m ~~;~A~~, ~ -n t.::, -, ~- ~ v aG ~ r J 57 C"; v G , 2 N COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which REC Properties LLC is the grantee the same having been sold to said grantee on the 6th day of Sept A.D., 2006, under and by virtue of a writ Execution issued on the 13th day of march, A.D., 2006, out of the Court of Common Pleas of said County as of Civil Term, 2004 Number 5563, at the suit of Moran Stanley Dean Witter Capital One Inc Tr against Rhona Rice aka Rhona H is duly recorded in Deed Book No. 277, Page 1406. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this o~ ~ day of ~~~~i~ , A.D. o? 00 ~ R~ooid~r d oe~, Curnberl~nd Counter, CrYN. PA Recorder of Deeds U.S. Bank, N.A., as Truseeqq VS Rhona Rice a/k/a Rhona H. Rice In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 200-5563 Civil Term Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, states that on June 30, 2006 at 11:54 o'clock A.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Rhona Rice a/k/a Rhona H. Rice located at 924 Forbes Road, Carlisle, Cumberland County, Pennsylvania, 17013 according -to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Rhona Rice a/k/a Rhona H. Rice, by regulaz mail to her last known address of 708 Hamilton Circle, Harrisburg, PA 17111. These letters were mailed under the date of July 13, 2006 and never returned to the-Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on September 06, 2006 at 10:00 o'clock A.M. He sold the same for the sum of $163,000.00 to Mr. Richazd Canazazo. It being the highest bid and best price received for the same, Mr. Richard Canazazo, of 122 Log Cabin Road, Newville, PA 17241, being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $170,083.84. Sheriffs Costs: Docketing $30.00 Poundage 3,260.00 Posting Bills 15.00 Advertising 15.00 Acknowledging Deed 30.00 Auctioneer 10.00 Prothonotary 1.00 Mileage 4.40 Levy 15.00 Surcharge 20.00 Law Journal 317.00 Patriot News 328.40 Share of Bills 19.31 Distribution of Proceeds 25.00 Sheriff s Deed 39.50 $4,129.61 ~l-~- R. Thomas Kline, Sheriff B '©~ ` Real Estate ergeant S~~ r, ,SGbSE3 i~~ s'~ r SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 04-22662 U.S. Bank, N.A., as Trustee for the holders of ; COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 NO: 04-5563 CIVIL TERM PLAINTIFF vs. Rhona Rice alk/a Rhona H. Rice DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, Plaintiff in the above action, sets forth, as of'the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 924 Forbes Road, Carlisle, PA 17013. 1. Name and address of Owner(s) or Reputed Owner(s) Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 17111 2. Name and address of Defendant(s) in the judgment: Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Harrisburg, PA 17111 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 1675 Palm Beach Lakes West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1, 1675 Palm Beach Lakes West Palm Beach, FL 33401 Household Realty Corporation 25 Gateway Drive, Ste. 107 Mechanicsburg, PA 17055 A,~_ 5. Name and address of every other pers~wvho has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Division 1 Courthouse Square Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 924 Forbes Road Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division Bureau of Compliance Dept 280946 Harrisburg, PA 17128-0946 Internal Revenue Service Federal Estate Tax Chief Examination Division Group 1820 P.O. Box 12040 Philadelphia, PA 19105 ,, I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BY: Jo ep Rejent, squire 04-22662 SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.04-22662 U.S. Bank, N.A., as Trustee for the holders of ; COURT OF COMMON PLEAS Morgan Stanley Dean Witter Capital One Inc. ~ CUMBERLAND COUNTY Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 NO: 04-5563 CIVIL TERM PLAINTIFF vs. Rhona Rice a/k/a Rhona H. Rice DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Rhona Rice a/k/a Rhona H. Rice 708 Hamilton Circle Hazrisburg, PA 17111 Your house (real estate) at: 924 Forbes Road, Carlisle, PA 17013 OS-19-1647-045 is scheduled to be sold at Sheriffs Sale on September 6, 2006 at: Cumberland County Courthouse 1 Courthouse Square Cazlisle, PA 17013 at 10:00 AM, to enforce the court judgment of $161,556.20 obtained by U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass-Through Certificates, Series 2002 HE1 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage pass- Through Certificates, Series 2002 HE1 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To fmd out if this has happened you may ca11717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the day of sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) aze filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 04-22662 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-5563 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE HOLDERS OF MORGAN STANLEY DEAN WITTER CAPITAL ONE INC. TRUST 2002-HE 1 MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2002 HE1, Plaintiff (s) From RHONA RICE A/K/A RHONA H. RICE (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $161,556.20 Interest FROM 1/7/05 TO 9/6/06 - $20,155.20 Atty's Comm Atty Paid $644.10 Plaintiff Paid Date: MARCH 13, 2006 L.L. Due Prothy $1.00 Other Costs Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name JOSEPH REJENT, ESQUIRE Address: SHAPIRO & KREISMAN, LLC 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 59621 Real Estate Sale # 14 On May 04, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 924 Forbes Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: May 04, 2006 By: ~ c~ Real to Sergeant 5 S ~8 b L ! ~~W 9001 ~~1M3HS ~H1 ~0 3~(~.~0 SCHEDULE OF DISTRIBUTION SALE N0.14 Date Filed: October 06, 2006 Writ No. 2004-5563 Civil Term U.S. Bank, N.A., as Trustee for the Holders of Morgan Stanley Dean Witter Capital One, Inc. Trust 2002-HE1 Mortgage Pass-Through Certificates, Series 2002 HE1 VS Rhona Rice a/k/a Rhona H. Rice 924 Forbes Road Carlisle, PA 17013 Sale Date: September 06, 2006 Buyer: Mr. Richard Canazaro Bid Price: $163,000.00 Real Debt: $161,556.21 Interest: 20,155.20 Attorney Costs: 644.10 Total: $182,355.51 DISTRIBUTION: Receipts: Cash on account (04/28/2006): Cash on account (09/06/2006): Cash on account (09/20/2006): $ 1,500.00 16,300.00 153,783.84 Total Receipts: $171,583.84 Disbursements: Sheriff s Costs $4,129.61 Legal Search 200.00 Transfer Tax -Local 1,811.92 Transfer Tax -State 1,811.92 Borough of Carlisle Tax Account c/o John B. O`Neill 2,906.33 Cumberland County Tax Claim Buruea 3,173.72 Attorney Joseph Rejent 1,500.00 U.S. Bank, N.A. 156,050.34 Total Disbursements: ($171,583.84) Balance for distribution: 0.00 So Answers: >~~. R. Thomas Kline Sheriff .. TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 14 Held Wednesday, September 6, 2006 Date: September 6, 2006 TAXES: Receipts for all taxes for the years 2003 to 2005 inclusive. Taxes for the current year 2006. WATER RENT: Company assumes no liability for private supply of water or sewer. SEWER RENT Receipts to be produced if services are lienable. MECHANICS' AND Possible unfiled Mechanics Liens and Municipal Claims. MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below. JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to dated , 2006, and recorded 2006, in Cumberland County Deed Book ,Page RECITAL: Being the same premises which Aloysius Greenhouse and Bunnatine Greenhouse, his wife, by deed dated May 25, 1988 and recorded May 25, 1988 in the Office of the Recorder of Deeds in and for Cumberland County, in Carlisle, Pennsylvania, in Deed Book "I," Volume 33, Page 1094 granted and conveyed to George W. Rice, Jr., and Rhona Rice. OTHER EXCEPTIONS: 1. The identity and legal competency of parties at the closing of this title should be established to the satisfaction of the closing attorney acting for this Company. 2. Rights or claims of parties in possession, if any, other than the owner. 3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area and encroachments which an accurate and complete survey would disclose. 4. Payment of State and local Real Estate Transfer Taxes, if required. 5. Public and private rights in the roadbed of Forbes Road. 6. Building conditions, easements and restriction as shown on or set forth with Plan No 2 of Meeting House Heights recorded in Plan Book 23, Page 126. 7. Mortgage in the amount of $153,300.00 given by George W. Rice, Jr., and Rhona Rice to New Century Mortgage Corporation dated March 1, 2002 and recorded March 13, 2002 in Mortgage Book 1751, Page 4980. Said mortgage was assigned to US Bank, N.A. Trustee for the holders of Morgan Stanley, Dean Witter Capital Inc., Trust. by instrument recorded November 10, 2004 in Miscellaneous Record Book 712, Page 4800. Complaint in mortgage foreclosure filed by US Bank, N.A., Trustee as Plaintiff against Rhona Rice, also known as Rhona H. Rice on November 4, 2004 in the Office of the Preothonotary of Cumberland County to File No. 2004-5563. Judgment in the amount of $161,556.20 entered January 6, 2005. 8. Mortgage in the amount of $14,000.00 given by George W. Rice, Jr, and Rhona Rice to Household Realty Corp., dated May 27, 2003 and recorded June 18, 2003 in Mortgage Book 1817, Page 344. 9. Possible Pennsylvania and Federal estate and inheritance taxes due in the Estate of George W. Rice, Jr. 10. Possible claims of heirs of George W. Rice, Jr., in the subject premises by virtue of reported death of George W. Rice, Jr. 11. Delinquent real estate taxes turned over to the Cumberland County Tax Claim Bureau in the amount of $3,153.47 as of the date of the Sheriff sale. 12. Building and use restrictions as imposed by deed recorded in Deed Book 177, Page 674. 13. Rights granted to Pennsylvania Power and Light Company by instruments recorded in Miscellaneous Record Book 191, Page 437, Book 201, Page 322, Book 206, Page 234, Book 206, Page 236, Book 173, Page 118, and Book 209, Page 1091. 14. Rights granted to United Telephone Company of Pennsylvania by instrument recorded in Miscellaneous Record Book 197, Page 1012. 15. Satisfactory evidence to be produced that George W. Rice, Jr., is deceased. 16. Satisfactory evidence to be produced that proper notice was given to the holders of all liens and encumbrances intended to be divested by subject Sheriff Sale. It is to be noted that no search of Domestic Relations Records has been made to determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any search been made for environmental liens in Federal District Court. Rdbert G. Frey, Agent Note: This Title Report shall not be valid until countersigned by an authorized sign, THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 19th and 26th day(s) of July and the 2nd day(s) of August 2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION .................... -. . fl.' .. ... ................................ COPY Sworn to ands sc b be ore me thisCONIV~EALtF~F~E=NIVS~YANII SALE #14 ~ rJotarialSeal Terry L ~~;•d. N Public City Of 'bury, u ~ Courtly i+ny Gm fission E~ r June 6_ , 2010 / C ti0 Or tariE NOT Y PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 ~ ~': ,~ ~ ~ r . Ili i3 ~ ' N'' ~. PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz• July 21, July 28, and August 4, 2006 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Lis Marie Coyn Editor SWORN TO AND SUBSCRIBED before me this 4 day of August, 2006 NOTARIAL SEAL ~ LOTS E. SNYDER, Notary Pubiic Carlisle Boro, Cumberland County My Commission Expires March 5, 2009 RLAi. EBTATE SALE NO. 14 Writ No. 2004-5563 Civil U.S. Bank, N.A., as Trustee for the Hoidens of Morgan Stanity Dean Witter Capital One Inc. Trust 2002-HE 1 Mortgage Pass-Through Certificates, Series 2002 HE1 vs. Rhona Rice a/k/a Rhona H. Rice Atty.: Joseph Rejent ALL THAT CERTAIN piece or parcel of land with the improve- ments thereon erected situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being Lot No. 3, Section "E", Plan #2 of Meeting House Heights, recorded in the Cumberland County Recorder's Of- fice in Plan Book No. 23, Page 126, more particularly bounded and de- scribed as follows: BEGINNING at a point on the southern side of Forbes Road, as it appeazs on said plan, which point is located 215 feet from the east side of Meeting House Springs Road, and which point is also the dividing line between Lots Nos. 2 and 3, Section "E", on said plain; thence along Forbes Road North 76 degrees 9 minutes East 100 feet to a point in line of Lot No. 4, Section "E" on said plan; thence along the dividing line between Lots Nos. 3 and 4 on said plan South 13 de- grees 51 minutes East 98.03 feet to a point iri line of land of the Plan of Burr Heights; thence along said plan of Burr Heights South 69 de- grees West 100.78 feet to a point on the dividing line between Lots Nos. 2 and 3, Section "E", on the Plan of Meeting House Heights; thence along said dividing line North 13 degrees 52 minutes West 110.57 feet to a point on the southern side of Forbes Road, the Piace of BE- GINNING.