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HomeMy WebLinkAbout13-2961 Supreme Court of Pennsylvania Cour6i6f Cornn t►n Pleas C _. C d l Sheet For Prothonotary Use Only: CUMBERLAND County Docket No The information collected on this form is ztsed solely for court administration P1r,Poses. This - I'07-171 sloes rot supplement or replace the filirt, and se mice of pleadinp oi other papers as required by lam or rifles of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking S Lead Plaintiff s Name: Lead Defendant's Name: E THE BANK OF NEW YORK MELLON FKA Jerald L. Metcalf a/k/a Jerald Metcalf, et al C THE BANK OF NEW YORK, AS TRUSTEE FOR T THE CERTIFICATEHOLDERS OF CWABS I INC_, ASSET - BACKED CERTIFICATES, O SERIES 2007 -12 N Are money damages requested. ❑Yes 0 N Dollar Amount Requested: ❑ within arbitration limits (check one ) ❑ outside arbitration limits Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No Name of Plaintiff/Appellant's Attorney: Patrick J. Wesner. Esquire ❑ Check here if you have no attorney (are a Self - Represented (Po Sel Litigant) ............................. Nature of the Case Place an "Y' to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more th an one type of claim, check the one that - you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle El Nuisance ❑ Debt Collection: Other El Board of Elections El Premises Liability ❑ Dept. of Transportation ❑ Product Liability (does not include [I Statutory Appeal: Other mass to ❑ Employment Dispute: S" ❑ Slander/Libel/Defamation Discrimination E.; El Other: ❑ Employment Dispute: Other ❑ Zoning Board C ❑ Other: T MASS TORT I ❑ Asbestos ❑ Other: p ❑ Tobacco N. ❑ Toxic Tort — DES ❑ Toxic Tort — Implant REAL PROPERTY MISCELLANEOUS B El Toxic Waste El Ejectment ❑ Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other. ❑ Other Professional: "kF THE PRO�Hk' MILSTEAD & ASSOCIATES, LLC � "f � ts I Y 24 50 BY: Patrick J. Wesner, Esquire 1- THBERLAtd3 ID No. 203145 PEN S yLV C'0aNT Y 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482 -1400 Attorney for Plaintiff File: 45.19315 THE BANK OF NEW YORK MELLON COURT OF COMMON PLEAS FKA THE BANK OF NEW YORK, AS CUMBERLAND COUNTY TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 q ^j 475 Crosspoint Parkway No.: l �- OP I C ;V Getzville, NY 14068, CIVIL ACTION/RESIDENTIAL OWNER Plaintiff, OCCUPIED MORTGAGE FORECLOSURE Vs. ' Jerald L. Metcalf a/k/a Jerald Metcalf 43 Burgners Mill Road Carlisle, PA 17015, and Christine M. Metcalf a/k/a Christine Metcalf 43 Burgners Mill Road Carlisle, PA 17015, and THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennsylvania 228 Walnut Street, Suite 220 Harrisburg, PA 17108, Defendants OWA k /oS� 0 o�� 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, 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717- 249 -3166 800 - 990 -9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482 -1400 Attorney for Plaintiff THE BANK OF NEW YORK MELLON COURT OF COMMON PLEAS FKA THE BANK OF NEW YORK; AS CUMBERLAND COUNTY TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 No.: 475 Crosspoint Parkway Getzville, NY 14068, CIVIL ACTION/RESIDENTIAL OWNER OCCUPIED MORTGAGE Plaintiff, FORECLOSURE Vs. Jerald L. Metcalf a/k/a Jerald Metcalf 43 Burgners Mill Road Carlisle, PA 17015, and Christine M. Metcalf a/k/a Christine Metcalf 43. Burgners Mill Road Carlisle, PA 17015, and THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennsylvania 228 Walnut Street, Suite 220 Harrisburg, PA 17108, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 (the "Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at c/o Bank of America, N.A., 475 Crosspoint Parkway, Getzville, NY 14068. 2. Defendants, Jerald L. Metcalf a/k/a Jerald Metcalf, Christine M. Metcalf a/k/a Christine Metcalf, (collectively, the "Defendants "), are adult individuals and are the real .owners of the premises hereinafter described by virtue of a Deed dated September 14, 2010, recorded September 15, 2010 under Instrument 201025719. The Deed is attached hereto as Exhibit "A" and made a part hereof. 3. Defendant Jerald L. Metcalf a/k/a Jerald Metcalf, upon information and belief, resides at 43 Burgners Mill Road, Carlisle, PA 17015. Defendant Christine M. Metcalf a/k/a Christine Metcalf, upon information and belief, resides at 43 Burgners Mill Road, Carlisle, PA 17015. Defendant THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennslvania, upon information and belief, is located at 228 Walnut Street, Suite 220, Harrisburg, PA 17108. 4. On August 2, 2007, inconsideration of a loan in the principal amount of $182,750.00, Defendant Jerald L. Metcalf a/k/a Jerald Metcalf executed and delivered to Countrywide Home Loans, Inc. dba America's Wholesale Lender an Adjustable Rate Note (the "Note ") with interest thereon at 10.680 percent per annum, payable as to the principal and interest in equal monthly installments of $1,649.94 commencing October 1, 2007. The Note is attached hereto as Exhibit "B" and made a part hereof. 5. To secure the obligations under the,Note, Defendants, Jerald L. Metcalf a/k/a Jerald Metcalf, Christine M. Metcalf a/k/a Christine Metcalf executed and delivered to Mortgage Electronic Registration Systems, Inc., solely as nominee for Countrywide Home Loans, Inc. dba America's Wholesale Lender a mortgage (the "Mortgage ") dated August 2, 2007, recorded on September 15, 2010 in the Department of Records in and for the County of Cumberland under Instrument 201025720. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. Plaintiff is proper parry Plaintiff by way of an Assignment of Mortgage recorded January 26, 2012 under Instrument 201202612. The recorded Assignment of Mortgage is attached hereto as Exhibit "D" and made a part hereof 7. The Mortgage secures the following real property (the "Mortgaged Premises "): 43 Burgners Mill Road, Carlisle, PA 17015. A legal description of the Mortgaged Premises is attached hereto as Exhibit "E" and made a part hereof. 8. Defendants, Jerald L. Metcalf a/k/a Jerald Metcalf, Christine M. Metcalf a/k/a Christine Metcalf are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due September 1, 2011, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection. including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ................ ....................$181,365.18 Accrued but Unpaid Interest from 8/1/11 to 4/19/13 ................... .....................$33,238.22 Assessed Late Charges ........... ........................$990.00 Escrow Advances ................. .....................$13,033.78 Title Fees . ............................... ........................$250.00 Property Inspections Fees ....... ........................$195.00 Misc Esc Credit .............. ............................... $117.55 TOTAL as of 4/19/2013 ...... ....................$228,954.63 Plus, the following amounts accrued after April 19, 2013: Interest at the Rate of 10.680 percent per annum (53.0679 per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.SA680.401(c) of the 1983 Session of the General Assembly ( "Act 91 ") of the Commonwealth of Pennsylvania, by mailing to Defendants, Jerald L. Metcalf a/k/a Jerald Metcalf, Christine M. Metcalf a/k/a Christine Metcalf at 43 Burgners Mill Road, Carlisle, PA 17015 on November 19, 2012, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notices " are attached hereto as Exhibit "F" and made a part hereof. 11. THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennsylvania is named as Defendant herein pursuant to 28 U.S.C. Section 2410 relating to Federal Tax Liens. A copy of the Tax Lien information pertinent thereto is attached hereto as Exhibit "G" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against Defendants, Jerald L. Metcalf a/k/a Jerald Metcalf, Christine M. Metcalf a/k/a Christine Metcalf for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $228,954.63, plus the following amounts accruing after April 19, 2013, to the date of judgment: (a) interest of 53.0679 per day, (b) late charges per month if applicable, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & AS ATE , Date: 2 -1 Patrick esner, Esqu' e Attorney for Plaintiff VERIFICATION Mq� N b(� E11(mar) , hereby states that he he 's Vi(l? Pr6j*dw I of Bank of America, N.A., Servicing Agent for Plaintiff in,this matter, that he she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his e)knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unworn falsification to authorities. C Name:M CJ& y 9oddf Ell Y/Yjaj7 Title: IbSiffalH V1' CAreJidc11 / File: 45.19315 Name: Jerald L. Metcalf a/k/a Jerald Metcalf Christine M. Metcalf a/k/a Christine Metcalf E SIT Prepared By and Return too: Shumaker Williarns, PC 3425 Simon Ferry Roast Camp Hilt, PA 17011 Parcel ID: 46-07- 0475 -013113 SPECIAL WARRANTY DIED THIS DEED made as cif the s day of September. 2010, between Jerald L. Metcalf (hereinafter called the Grantor), of the one part, and Jerald L Metcalf and Christine M. Mewwf, Husband and Wife (hereinafter called the Grantee), of the other part. WHEREAS, On August 2, 2007 Jerald L. Metcalf and his former wife, Marie W. Metcalf, executed an original Deed (the 'Deed") transferring than herein described real estate to Jerald L Metcalf, individually; and WHEREAS, That original Deed was sent for recording to the Cumberland County Recorder of Deeds, but was lost in transit; and WHEREAS, On August 31 2010a copy of the aforesaid Deed was recorded byway of Affidavit of Anthony J. Foschl to Instrument Number 2-0 16 7 - 4 Z- 4 Z - and WHEREAS, Jerald 1.. Metcalf is now married tD Christine M. Metcalf, and desires that the herein describe real estate be held as Jerald L Metcalf and Christine M. Metcalf, Husband and Wife, NOW THERItPORE the said Grantor for and in consideration of the sure of One Dollar ($1.00) lawful money of the United States of America, unto the Grantor well and truly paid by the said Grantee, at or before the seating and delivery hereof, the receipt whereof is hereby acIQ' ovAedgml, granted, bargained and Sbld, released attd confirmed, erred by these presents do hereby grant, Bargain, :ell, release and confirm unto the said Grantee their heirs and assigns, that certain plat, piece and parcel of land located in the West Pennsboro Township, Cumberland Courdy, Commonwealth of Pennsylvania more particularly dwribed on Exhibit "A" attached harato and rnatde a part hereof, TOGETHER With al and singular the improvernents, ways, streets, alloys, driveways, passages, waters, water-couraes, rights, liberties, privileges, hereditamerris and appurtenances., whatsoever unto the hereby granted promises belonging, or in any wee appertaining, and the reversions and remainders, rents, issues, and profit$ thereof; and 011 the estate, right title, interest, property, claim and demand whatsr,+ever of the said grantor, as well at taw as in equity, of, In, and to the same- TO HAVE AND TO HOLD the said lot or pied of ground described, hereditaments and promises hereby granted, or Mentioned and intended so to be, with the appurtenances, unto the said Grantee, their heirs and assigns, to kW for the only proper use and behoot of the Mid Grantee, their heirs and assigns forever, UNDER AND SUBJECT, NEVERTHELESS TO ALL COVENANTS, CONDITIONS, REMICTIONS, RESERVATION% EASEMENTS AND AGREEA ENT5 OF RECORD. AND the said Grantor, its successors and assigns doth covenant, promise.and agme, to and with the said Grantee that It the said Grantor, its successors and assigns, shall and will Warrant and forever defend the hereinabove described premises, with the hereditaments and appurtenances, unto the said Grantee, its successors and assigns, agaimt the said Grantor and against every other parson,lawfulty olairning or who shall hereafter claim the satne or any part thereof, by, from or under the Grantor, its successors and assns or any of them. BEING, the same Premises which became vested in Grantor by deed dated August 2, 2007 and recorded by way of Affidavit of Anthony J. Foschi to Instrurnant Numb Z r a 44) -Z- . Also being the Saline property which by deed dated April 22, 2002 and recorded on April 23, 2002 in the Cumberland County, Pennsylvania Recorder of Deeds Office, in Record Book 251, page 1747 was granted and conveyed by Michael Chronister and Deborah I_, Chronister, husband and wife unto Jerald L. Metcalf and Marie W. Metcalf, then husband and wife; IN WITTIER WtfSREOF. the un d ersigned has executed this Creed as th cla and year first above written. Seated and deGve in the presence r-- Jerald L. Metuaff State of Pennsylvania y County of i" On this, the "A d$y of September, 2010, before me, a Notary Public for the State of Pennsylvania, the undersigned Officer, personally appeared Jerald L. Metcalf known to me to be the person whose name is subscribed to the wiftri instrument, and ac kn wfedged that tie executed.the s8rrre for a purposes their captained. f hereunto set my hand and Official seal. C::N.shiil4WE ALTH OF WL Kim Notary Pu is My Commission Expires: 1 nun Twy„ cetk4 +wv c *m4fdk n cG 11. am The address of the above -named Grantee W, 43 gurgners Mill Road, Carlisle, Cumberland County, Pennsylvania 39fi3 IXHIBrr A ALL THAT CERTAIN traet of land with impmvernents situarw in west Fennsboro TOwnship, Cumberiand County, Pennsylvania, bounded and described in accordance with a Plan prepared by tarry V_ Naidlinger, RE, dawd September 3, 1081 and recorded in the Offim of the Recorder of Meds in and for Cumberland County, Pennsylvania in Plan Book 41, Page 45, as foUm s; BEGINNING at a Point in the centerline of T-457 at a corner of Lot No. 5 on said Plan; thence along Lot No. 5, North 55 degrees 40 minutes 04 seconds West 35354 feet to an iron pint; thence along tots 5, 4, 3, 2, and I, South 65 degrees 06 minutes 23 seconds West 605.86 feet io an iron pin; thence along lands of T. 7, Greb, North 62 degrees 14 minutes 47 seconds West 817.49 feet m an existing stake; thence along lends of Nancy George, North 63 degrees 16 Minutes 29 seconds East 701-24 feet to an existing iron Pin; thence along lands of Nancy George and lands of Allen Dairy Farms, Inc„ South 55 degrees 40 minutes 04 seconds East 720.78 feet to an iron p'ttt in the centerline of T -457; thence along the centerline of T -437, South 60 degrees 04 minutes 43 seconds West 35.51 Peet to an iron gin, in the place of BEGINNING, CONTA24ING 5301 acres and designated as Lot No. 6 on the above mentioned Plan. THE improvements then= beans )mown as 43 Burgp= Mill Road, Carlisle, PA 17015_ BUNG the same pro perry which, by Deed dated April 22, M, and recorded on April 23, 2002 among the band Records of the County of Cumberland, Commonwealth of Pennsylvania, in Liber No. 251, tolio 1747, was granted and conveyed by Michael C. Chronister andDebomh L. Chronister, husband and wife unto Jerald I.. Metcalf and Marie W. Metcalf, husband and wife. sir RECORDER'S USE ONLY plMnsytVarila REALTY TRANSFER TAX Tax paid STATEMENT OF VALUE gook Number .l r Fbadxssousa3duslia Page Number i'itr uamsourq. PA 1 7 3244 )W.3 See rever for instructions. Dace Recorded � ,- - Complete each section and fife to Duplicate with Recorder of Deeds wl en (1) the full valuefmnsideraWn is not set forth in the dead, (2) tole deed Is without consideration or by gift, or (3) a tax exemption is Reid. A Statement of Value is not required if the transfer is wholly exempt front tax based 00 fetidly relatium1hip or public utility Basement. If more space Is needed, attach additional sheets. A. CORRESPONDENT- Aft ingufrits ma be directed to the f+ottaw%q lWs9rlls r4me Teleptww Number Anthony J. Fosohi, wire (717) 949 -tor Melling Address City St3De ZIP Code 3425 Simpson Fwq Road Camp Kill PA 17011 6. TH A NSF0 DATA C. [)6te of A nC6 of n- CHn*nt Grantwts }/L'ts? I Grantee(s)/t essee(s) Jerald L. Metcalf _ Jerald L. Metcelfand ChrhArle M. Metcalf 43 BuM2ers Mill R oad 43 Burp KI1 Road cry $tate TIP code C ty Swe ZIP Code Carlisle PA 17013 Carlisle PA 17015 D. REAL ESTATE LOCA770M Stmw Address City, Township, Borough 43 Sugws M01 Road Carlisie, West Pennsboro Township County Schod Dtstna I 1bg %rcd Number Cumbadand Cadiste Area School District 46th -0473 -0138 E. VALUATION DATA - WAS 'ii'RAt115AC770M PART OF AN ASSIGNMENT O NELOCA TION? 'Y tj 1. Atkual Cash Consideration 2. Other Consilderation 3. lbtaf Consideration 1.40 +(100 = 1.00 4. County A%Ws4ied Value 5. Common Level We Fedor b. rair Market Valm 165,610.00 x 1.25 = 372,622.50 F. EnNF'l'ION DATA 11L A of E6cemption Maimed ib. ?emwrage of Grantor's lnterect in Real Estes U. PPnter Oe of Grantor's Intwest Conveyed 37 2,622.50 100% 100% Check Approprfate l3ox Below far Exemption Claimed. CJ Will or i ntestate sucosion. .Estate File nium ) . Q Transfer to a trust. (Attach CoMplete copy of trust agreement identifying all beneficiaries.) E3 Transfer from a trust, Date of transfer into the trust If trU5t was amended attach a copy of original and diW 6ded'FrusF - E3 Transfer between principal and agent/straw party. (Attach complete copy of agency /straw party agreement.) ❑ Transfers to the commonwealth, the U,S. and instrumentalities by gift, d€ditatilon, condemnation or in lieu of con - demnation. (If condemnation or in lieu of condemnation, attach coley of resolution.) CI Tra front mortgagor to a holder of a mortgage in default. (Attach copy of mortgage and note /assignment.) Corrective or confimaitory deed. (Attach complete copy of the deed to be corrected or confirmed.) © Statutory corporate consolidation, merger or division. (Attach cmpy of articles.) IR C3ttter (Please explain exemption claimed,) Transfer from husband to husband and wife Under penalties of 1 declare that I have examined this stMment;, including accormpany g iinform ri, and to the best of my ge and bWigf, it is true, earrect and complete. $ignapyre of COrrespo f R bit Patty Date V/ L10 FAILURE CO PLET5 THIS FDRm PRopip ay OR ATTACH REQUESTED DOCUMENTATION MAY RESULT IN THE RECORM S RESUSAL TO RECORD THE POM), ROBERT P. ZIEGLER RECORDER OF DEEDS CIJMERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 i - A Instrumcut Number - 101025'719 Recorded On 9/15/2010 At 1000:15 AN Tew Pages - 6 Instrument Type - DEED Invoice Number - 72735 user IUD - AF * Gr$ator- METCAJXF JERALD L _ * Grantee - METCALIR, XERAL.D * Customer- SHUMAU It WILLIAMS STATE VMT TAX $0.50 Certlfestion P age STS JCS /A=ds To $23.50 ECOA P CF DO NOT DETACH ltacoltis - $12-50 RECORDr4R OF DEWS ' Plums CE2MI ICATICK $ 4. DO This page is now part IMIRS of this legal docume ut. AFEMMANZ HMSING $11 CMMY ARGH]nMS PER *2.00 PM ARcnrvES YZE $3.00 BIG SPRING SCHOOL $0.00 D=STIU= VMST PEMSHCRO TOMSH3:p $0. IWAL PAID Q &3.44 I Certify tbb to be recorded in Cumberland County PA 4RDERt} �VEDS * - InfarntaC�oa denoted by as sstedsk may change daring *# verifkation process and may not le ra®eew os ihis pap, iiff ll 001YiP e � HIBIT Prepared by: THOMAS MCGEE - I ' + ADJUSTABLE RATE DOTE j (LIBOR Index - Rate Caps) THIS.NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE -AMOUNT MY INTEREST RATE CAN CHANGE AT ANY "ONE TIME AND THE MAXIMUM -RATE 1 -MUST PAY. 1 AUGUST 02, 2007 OWINGS MILLS MARYLAND (Date] Icily) (SYueJ 43 BURGNERS MILL RD, CARLISLE, PA'17015 —$961 (Property Address] 1. BORROVMR S PROMISE TO'1''xf In return for a loan that I'have received, I proinise topay. U.S. $ 182, 750.00 (this amount is called "Principal "), plus.interest, to the order of the Lender- The Lender is Countrywide.nome Loans, Inc. dba America's Wholesale Lender I will make all payments under this Note in the fora of cash, check or rnonCy order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid prir(cipal•until the full amount of Principal -has been paid. I will pay interest at a yearly rate-of 10.680 9'0. The interest rate I will pay may change in with Section 4 of this Note - The interest rate required by this Section 2 and Section 4 of this Nomis the rate I will pay both before and after any default deseiibed in Section 7(3) of this Note. 3. PAYMENTS (A)15me and Place of Payments 1 will pay Principal and interest by-making a payment ctlery month. I will make my monthly payment on first day of each month beginning on OCTOBER 01, 2007 . I will make these payments every month until l have paid all of the Principal and interest and any-- other. charges described below- that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on SEPTEMBER 01, 2047 , I still owe amounts under this Note, I will pay those amounts in full on that date, which -is calied the "Maturity Date." I will make my monthly payments at P.O. Box'660694, Dallas, TX 75266 -0694- 1 or at•a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 1,649.94 This amount may change. •(C) Monthly Payment granges :Changes in my monthly payment will reflect changes in the unpaid Principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and •the changed.amount of my monthly payment in accordance with Section 4 of this Note. 4. IN ]RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of SEPTEMBER, 2012. and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." t (B) The Fadex + Beginning with the first Change Date, my interest rate will be based on an Index - The "Index" Js the average of interbank i -offered rates for six -month U.S. dollar - denominated deposits in the London market ( "LIBOR "), as published in The WaU Street i JournaG The most recent Index figure available as of the date 45 days before the Change Date is called the "Current Index." If the Index is no longer available,. the Note•.Holder will choose a. new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date.. the Note Holder will calculate my new interest rate by adding SIX & ONE — HALF percentage point(s) ( 6.500 %) to the Current -Index. The Note, Holder will then round the nes» It of this addition to the neatest one - eighth of one percentage point (0.125elo). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Dabe- PENNSYLVANIA ADJUSTABLE RATE NOTE - LIBOR INDEX - Single Family • SO- ARMNoto ( M17a- PAJIMS](d Pagel 0t3 1 `23 @9' Jll i W K • - LOANc The Note Holder will then determine the amount of the monthly. payment that would be sufficient to repay the unpaid principal that I am expected to owe at the - Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 13.680 % or less than 10. 680 %. Thereafter, my interest rate will never be, Increased decreased on any single Change Date by more than ONE. & ONE —HALE percentage point(s) ( 1.50.0 %) from the rate of interest I have been paying for the T preceding six months. My interest rate will never be greater than 17.680 % or Iess than 3.0.680 %. (E) Bffective Date of Changes My new interest. rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment dam after the Change Date until the amount of my monthly payment changes again. M Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will' include information required by law to be given me and also 4 the title and telephone number of a person who will answer any question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right.. to make payments of Principal. at any time before they are due. A prepayment of all of Ste unpaid priueipal is known as a "Full Prepayment." A prepayment of only part of the unpaid' principal is known as a "Partial Prepayment" - If the original Principal amount of this Ioan is $50,000 or less, I may make a hill or Partial Prepayment without pa log a penalty. However, if the original Principal amount of thisNote exceeds $50,000, I may prepay this Note in full at any time without penalty. = If within the first months after the execution of the Note, I make any prepayment(s) within any 12 -month period, the total of which exceeds 20 percent (20 0 /6) of the original principal amount of this Ioan, I ,vill pny a prepayment penalty in. an amount equal to the payment of six (6) months' advance interest on the amount.by whielt the total of my prepayment(s) within that 12 -month period exceeds 20 percent (20 %) of the original principal amount of the loan. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum -loan charges.is finally "interpreted so that the interest or other loan charges collected or to be collected in. connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the - permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Molder may choose to make this refund by reducing the Principal I owe under this Note or. by making a direct payment to -me. If a refund reduces Principal, -the reduction will be treated as a Partial Prepayment. 7. BORROWER'S FAILURRTO PAY A.S'REQUTAED (A) Late Charges for Overdue payments "If the Note Holder has not received.the full amount of any monthly payment by the end of FIFTEEN calendar days after the date it is due. I will.pay a late.charge to the Note Holder. The amount of the charge will be 5.000 % of my i overdue payment of principal and'interest. I will pay this late charge promptly but only once on each late payment. (0) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note -Holder -May Bond me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me.to pay immediately the full- amount of Principal which has not been paid-and all the interest that I owe on that amount. That date must be at least 30.days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver by Note Bolder Even if, at a time when I In default, the Note Holder does not require me to pay immediately in full as.described above, t the-Note Holder will still have the tight to do so if I am in default at a later time. (E) Piyment of Note Holder's Costs and Expense If the Note Holder bas required me to pay immediately in full as described above, the Note Holder will have the right to be paid- by, me for all of,im.,costs -_and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for exampls, reasonable attorneys' fees. S. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will bo given by delivering it or by mailing it by fast class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by First j class mail to the Note Holder at the address stated in. Section 3(A) above or at a different address if I• am given a notice of that i . different address. f I i • BO - ARM Note 2D17a-PA ('1?! S) -Page 2 of 3 1 i I LOAN 4 : 9.OBLIC>A9MONS OI' PERSONS UNDER THIS NOTE If more than one person signs this Nate, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the frill amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor,.surety or endorser of this Note, is also obligated to -keep all of the promises made iu -this Note. The Note Holder may enforce its rights under this Note against each person individually or. against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note., ` 10. WArVERS I and any other person who has obligations under this Note waive .the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder- to demand payment of amounts due. "Notice of Dishonor" means the right require the Note Holder to give notice to other persons that amounts due have not been paid- I'L SECURED NOTE • In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trost, or Security Deed (the. "Security Instrument "), dated the same date as this Note, protects the Now Holder fro h possible losses which might result if I do not keep the promises which I make is this Note. That Security Instrument describes how and'under what conditions I maybe required to make immediate payment in'full of all amounts I owe.under this Note. Some of those conditions are described as follows: If ail or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a I natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in fall of all stuns secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, -Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF TIC LRSIGNBD. JERALD L. I --`ALF - Borrower • - Bocower PAYTO R7g Bormwer VJR110ti RECD 11O1t I WWMyMMjjDMEL % it1C., I A yDRKCORPm Si g AM�itClySNhtt)LESPLE£f - Bormwer @Y: ;PIML NDER _ (Sign Origin-[ Only] SWANEVIMPRESI l ~ • BC -ARM Wt- Page 3 of 3 EX IT V6 `1 � SY TfiQrlfA& MCGEE Countrywide Bome Loans,. Xnc ;. dba America's Wholesale Leader 2 3SRICNO PLAZPA, 3RD FLOOR JFMRICHO NY 11753 Pbcme; {516} 733 - 5000 C0VN7RYW=z HOM LoaNS, INC. MS SV -79 DOCUMENT PROCESSING P.O.Box 10423 Van Nuys, CA 91410 -0423 Penal Kw*w, Pmrnif�: 43 BURGW SRS MILL RD CARLISLE PA 17015 -8961 Parcel Ids 46-07- 0475 -013B - f4�raAbwe9fwxTanoFarDeb] -- -- -- - MY�TGALF 0001 [CratlCivstctq #1 [DOG ID t7 MORTGAGE fR�YLYANA • Stu& Rsaf W - FWaak0Wfle m%W= uWOM gX 4L%e" VYPCffI i 3t5 pip id17 �•aA�{PA}=0691g CFli. �ilUpsJ(e@ �'�Gavo4�17�7 l�nnasa� i�I ti FA 9i' fYe69 a4ldFe,a04D00A * **This Mortgage U being ra exacttted and rccOrded to prefect the xOrtgage Ilan * *** DOC ID OD( T� IOOt}3.S7--tt0(}83$zO�I -z EsI�Il�Qt'BQNS Y►'oxds used sa g1e axtiaats of dps dc�catr nt ate darned bestow and uttier wards am d6nad in Secdotss 3, 11, 19, 13, 20 Bard 21. Certain rtdd Ong this pease ot wotb vied is this daoamott are also provided in 3ec6m 16. (&)"Seatfthdcr ttWvmwwft .as"isdad Att ST 02, 2007 0gedat wh b sit RW= am 6& documag. JEit&= I, M$TC - 2 aF r AND CHRISTINE M METCALF Bwoww is tht: ntox pgm under this 5amritj fit. (f �'" �$ M{Yt�G1iC Q�ii �C[i13, �C. 3S & BC�rBtC 44L'j70�i41t is at, sMy u a nowime: for Lwdvr tmd E a Ai4 amccesma and mdgw. MN ft &a vwigow WOW AU 89c alb I uh=e t tW is orpmizad and dusting *Wu the Ina e! Del van, and hsa tsrt addmu and tdCph= era D*t r 0fP.4_ Bmt 2M6. imnL W 4M2 -2M td. (888) 679 M M. 0 0 14whe is count yvide Home Loans, Inc. dba America's wholesale Lender rev IS IL CORPORATION oWnfvA aaci aieft under dte Jum of NEW 5`ORIK xauws ad is 4600 Park Granada MSN# M -314 Calabazae, CA 91302 -1613 € ) , Wok , tuns the prugnor)! aigasad by Borrtswer &W dead AUGUST 02, 20117 T1tc tt�let feet HotxCswer awes 1 ONE HVWF D Ej(jBTY Tk*C1 "t#tMAND SEVEN HUNDRED FIFTY and 00/100 Doom {U-$. S 14M, 75 0.0 a ) pine iu mmt. itos►o fs hat NOMA" W M twit debt is xaglsr '��� � r+� � =a at 17 lt'ntAl vat 1 DOC ID Ptafodfa POMCM mad to Pq the debt i hilt oor ftitrr tbatt SEPTEtri EX 01, 2047 (F) "PraPrfy" - mm the panpmty tbRt is described Wow to det ft bead* "'Itaanster of Rtghcs in the (6) "Loan•' =aw zhe debt eve by ifs Nofc, plea "s *rcat. aoy ptvptrtant dw m sand Uft obnt$ dmo w4 wdw Nana, mW al me due larder as Sastaity m,ent. plas ifoterm 00 `Rlefctas" tnemuts all Rida t to zhts Somiiy humu clt8t No ==nod by 30"Wer. TM Nowift Rktm are to bo executed by Bttmyw [Cta* boz as aMkAble}: tSdmabk Raft Rider gCm&mmkmRxkr n tp Q 000ad Hame>tutrr Bati«ttt Ride )'kwd Udit Iwr C tildl -4 FWW)y Rides '�A R� Bit4'�COliiy pikyrrnAOnt Rider thtris) (spaafF3 (Q "APPS L*W" mass ah mutn Oft WBCAW fb&ML Oft and local statutes, regnlatians. otdi xs and admisrisuerive roles and adits (that have "affm of taw) m vMt " gil sX&We baaf, not►.stpp a}" jatficiat 00ftiN (J) ' Amnciadm Dtuea, trees, and Bments" =im m nU dues, hers, 'a=swm" and odtcr last "a itm tmW on Owmwet or tit: Property by somdougnium atmoaiadou, homaownw am orsifaiier cx�tisatipit, OR "mac You& Tr3 " iflem any tmusfer of fm" ogm dmn: a trma*a Oiomltd by Omk , oc sbROU Palms i „ strWh is ieisiazt:d t uc*gh an eleMonic Wwdtml, talepbmic ; Cot+oter, or nmv -.tic tw to as to oft*. t%tsWIA. at eathud= a fnoaacial iowwlkp to dahit (w Credit Im atawi tt. SIX* tetra iii routs. but is not ibriited id. point -a-wo tract&% avftmstad f14X t. UWM*lw, ttatdeta n=W by mftbmt, wac Vwrtap. wd.wamated deuiozghnm , (L) "Hk"w&Intl" ins RAW that ate dead *M in Secfm 3. tk►f) °mbw*A"m Prmuw mom my vctatprmedc a, sed -mg, award of china e4 or tuft bait[ by A9 OIW "IV (*W tbaeY iwu m= FOCOWI peq( tmdw dte wrerAcm described in See" 5) O w. 0) am t� O' ttMCe*,J+ Of, the ROps!t , GP Von&=*V�M Of *tiff talo&g of ae or imy P$rt of dte pWV t tAliY YMMC iii ft Of Oftft�Y oC (iv) adueg msamdom of, or owild ;tig a$ t0. the vs ft. WWOr cvdditiaa of ft hvp M. (m) "Kw'tgade =was ins mum pumet utg'And dt ttg, -M Ow iwitpmmt or, or ddAwt on, tbt Loma. (4) " Fedodit PNWbP ' umns the trapdady sWWWW amount due far (Q iWndpat and intt m sift the tue, PW 00 way tataamteandex Sett 3 of atia Saenrity ImuUmat 03 "MM" meam the Real HUM SCWWt M Pwoeftu Ap. (12 U.S.0 Seodm M1 of a+aq.) trod 'its i*=006d$ 00, RUVh&n X (24 C 1 Pm-3M, as fty misid be at mkd from 9m to time, or W7 tttldititanti of ertitMOf kgidmfOn or zega UOu that: g the- smut sobjecc =ft. As mod in dis Saute In*umm; *RWA" it-An to an req dmmem attd refacons dtat gm imprxmd in feOwd to a 'may tad m tsRsv IOW cm it 04 LOO does bPt @utt* as a "faftatly rtiaaed mCnjW fosQ undeaRRWA. (Q)"SfteWw to h Est of BQM"Te' mesas MY pactq that bas tatter No to ttee: Pmp4q, whahcr or not dWpwV has mam nrA ftnowces obftad tnc w4m the Note ftwor ¢his Sexqdty li mumettt 1R4WA) OMM PzW3 at i7 P4hti StY$y t1OC DO XD # ; TRANSWR CF REAM IN TBR tP M'MTY 'litre SwodW kwra=u smwm to Under 0) de-;p mt of the Lamh and A mawab, wimmdom and of tine M*; $ad (A) tM wee of BoMweem cats Md lVrAWW ut►aec IW* SotodLy kwomea =4 rile Now Ax this pwpuae, oaf does bmvby martgw, v=t ami cnnvq to MM We as powipm roc 14aft Bad Lone Ws succau= Apd ps) AN to this auk MW s of MRS, d w to ng aw4w P"Pw y posted in the COUNTY Of C'lJ MERLAM YPJpb��diarlarj jt�6aatioFR.cocdk�7ticigtiptioa) SEE EXHISZT *AN ATTACM HERSTO AND MADE A PART AF,"M01". vAkh cum v* has the oft= of 43 BUAGN.ERS MILL RD, CARLISLE Pero ylmA4 17015 --8 961 ('PI%XM Adtl wi*): r4*Wd TOWrIM WrM OR ft bvpmoatMcdw am or he x mm ad ow die pioptsttlr, and a$ easmnts. ccs, and llzt m mw or hmeMara pa 0 ft pvpwW. AS moommxs imd afflidemt 4MV aria bt com od by Mb Ssemrity kmrumML AN of ft tmvgoing is fdfi and V in Us So tsity iasttnmm w dm "?moot r Bo mfr ant[ opws ihet MM rokU only. ddo .ta aae bacmas granted by B000w ar is " 5ecudry Iasi omeaL but it nwamy to teoatg!y with iota or moom, MEW (at nGp iw for i.=KUX and Low saootxa m and &Wps) boa *a dStw m aaznim may cc A of th= luwtxb, inch but = liaoicat3 t% du right as ftadasc and wU the Psopom; and ad ake my acdoo segmhW of Loch iaftaBgg, bdxot fimkad ON wkaaigftd oft" ns this Stow hsa waml, WMROM CQVMWM d+at ZWower!s laws soloed Of die c o tc bmby om yed and Ms the *ft to mmpm sme and convoy the PropmV ad tia3G ftoc ltroi aW is uam*mbcm4 vwW tbt a =mb ancm of tacasd. Satmvat:r wstpa m xad will defm�td try die rise to ft PA"q ag4oa atl CJaiots and Hannan&., eruct 0 my tmmubmnm of mm d, 4R AMP44 ow c"L ttom) PW 4 vP n Form aoss vet DOC =P _ 'lM SBCURrff I1UTRUM 'i' C=h taa smfxtu CO is tar mdolml taae WO ttcts-Miftm covea mb wim Aw" varaatiorra by jam" d to coawhft a suotifNO stxtsmy itt8titarssettt covaling tW (,rcprrty. ErCFOM COMAMS. Botrum md Leader aomeat aid esm as Mows: 1. ftyMMt ctPdUO4Mk4 10taNt, VOCLVvr IttliC4 NVI[TAMA t b&qM and Leta CYtMV& BoaoWar POSH pay vrltao dtre tbv papal of, ttad i4t=tg oar, do debt ffAdeaeed by the Ncft and aax Ott ads and >aB duce smd r the NOM Ba wer altsll dw pay AUM ft Eklow ftomri PMMIamt to Seaiaa 3. Ptaya =a doe sender the Note and this Security h*mmcd matt be made in Q.S. earreasey. Howavea, if ow cheep or ohm is mamem mmsved by tvWg r as payavw tutu the NW or this gemt&y Inaaamczt it ntvmzd to Larder agpeid Lem my cepic thst my to ea m*xq war pqramb &G *Wa the Nola surd ft Sftwky InahWAM be =a* itt am ar mm of the MOM&S roluk at MOM 6y f rambr. (a) CNIN (b) mm mim-, (e) oertifted check iitic Ofeck Oftwiftt c kcd or tmtdees dm&, pwadcd MW saM c kcic is dam apon am id6Tftaw whm 6epme am imad by a tpaq. qty, of Cattity; or (4) aaia Fumis fir. Pay»ts are dearaed roccO l by E,&MW when seoeivad at spy faardoa deskmUed t9 *0 NOM or st suds alias lacaaiop as sM be dRasiS AW by meter in aocosdaruft witty the 006M pravisiKM ip Sa vcta 15_ Lmd" c* sahaa mV payer or pWM payment if ette paym mt or pudat payments an iasst#xactat b bring the LM wcmai. Lerrrier may attovpt mV paymm or W" pgmgM msufficicat w bmS tk Loam cvtsma. with0att waiver of =y t o& hummder ae p 4ddice to lis rights OD tsdkttse ta>i� }18Y>�4 orgRrfsitl fJ�y�IIt& iR the Foram, bat Deader is sm a103ad to V* m3ch paymmts au the tim* each owneam tm omvpw. It each Periaxiic Pwmeat is appRed m of M sd*Maad doe am, then I=Kkf send pot pay UMaest on unapplitd fmtdr. Larder may bald attch utdapgtbod tutu tmdl Borrow maia pEgttpcttc to bnug the Lam cu TmL If BoC+tm= does mt do ou walaias a r"ut:8bb podad of daze, r ort w short ai thar V* owb lands or rdwa than to &=wcr. If wt approd a"er, omb Fmxls ml bo tamed to daa oft mftp i3 a belacam wider ttrc Now umm&dely prior ao famdD tre. No a ftt or ciesat tvbM Botm war tawK havo rscsw ar in tlae fr> m agaim Y,aWn srbati reeve Demmer ftm mWdng paymenu dqa wider dw Note and this Seca tar laatruosent or pest miag the c ymma aaui apacmems semed by this go=* lststru maL L ApplaAkiss of Paymemb 4w Pvoceedv. rhmpt as otherwise **abed in 246 ScOon 2, all pepvmm acceptetl BAti appled by Leader alatll bo applied in the foltow)mg order of p unity: (a) iatetasr of *aft r tiro ?Aft @) pt dart: usdar the Nocq (c) amonm doe under Secdan 3. Such payments shad be apptiad tai exh?Okxft Aymm It► t1tF orft ki vW*h it bec aft dime. Any team mounts strall be ated btax m ,t w cbwqM seme d b arty othtt }anotimta due undtar this Softzity latammgl, and them to reftec tin pmtc*d bsUM100 of the Noss. If Lenox meoivas a payment ft m Bom wer for a dd gqucaat Periodic Paymu% sutuett iettindea a sarffidmt smotm r b pay any late chmga Am, the payment may be appiied 9D than ctdhxpaeatt payment end Om lam charge, If mm Orr n vase Pis oft Pa}ratatt is OVM*4fm& L mdcr nsay apply may paym at recetnd burn Sa rtam to t4to reps of cm kesivd o p gyamm it and to ft t xwa one, eacb pr ON be paid in ML lb the axW that gay areas 62W gear the peymmt is tip}tlied to ste W pvmsttt of note or as e Feaodtc Paymmts, sod% excess mwy be applied to arty I= chimes dUL Voltra►M pfcpagmmts t ! bo applied Gnat m Pay gtcpayw m ebaram and rhea as described in ttie Ncta. Any appEcatlott of pWagsraus, iararr+aaaa proveek or 14 us Pmoeass to Wn*W aft under tt+a None ataatl m wand ar post,aaa the clue date, ar chmv tha arnom, of We Paioft Fes. G,�{pt}{at+oa} �i't� a'igsset�7 Facoeta5i trrEa3 DOC XID 3. ft-ft Loe Bsarovr Itazts Bo�omwrx 1,hall pax t o Loader on the &Y Pa i*ft its Se tins mar the Nm until tht: Natt is paid in M, a"M (ft "Puadf) to P*Sde for PgY� of a,asuua►vr ttae W: {a) UM stud am=asett% end, adw item Bch era attain pricdty aver dO SewdW Insmwumt ms ti Bart or oa the Pr PMY-, (6)1sx dlWd PYMt n+s os V'Mwd scats an are PsupaW- if wy; (0) Famium ft nay and all b=M= mood I.drdnt V W- S S. wed (d) Me 4W Truxatale MMIUM, If =Y+ of 9M saw pap* by Soaowex w Ltd in ]kM Of the p$y== of MaRP bs "Ma� txfe pmB in witb to pa "M of Seth 10. Thato it= at* called Tsctow 3WM' At utigh� ton oral ally time dadet tlnC tetra of the Lon, Leader ader my totlaue dlat ('pemtriaoity ss A Rion � Fia�B. and Asseomalmte, y aq, be esmwed by Bouvwer. And Ouch dates, fees aqd sesoataoraAt. be a=t Bart+ I*M- BOUOww mall ptanOy (amb ' to Lendor Wj =dO" of:m=M vo be !dd ntder ibis S� Sot w9r" gay I.andnr the Pvads f Eswow acme unsen Lssxier wuvaw Barr+ weer Oblolm Rods �r an y or f a pr all EWwm Nvtas. f=atier map t? WTO Batxgwma ; obbpOw t0 pity Y Ikms at aqt d. Any sac4 waivtr MY only ba is WAM. bt the Vocal d Ouch waiver, BQ== sbsl} psy dfxcdy, wbcn and whM pueblo. the Me= to ftx W am w 3U= fo WWOb p of Elands dog btea waived by Loader caul, )f XA*do regnira . *0 tanoab to Letxder seoatg� trtrMta W9 sea paytntnt wit[ b. sued tittle yt� es Laador my �. Borww* 's oWigatiast to make =b payments and to pmvids Seca shad for aH prtsqa!ts be deemd W be is owndaat and agetaa=t conmiacd in this $b=itg 3ns#mmWL as the plum "oomwat cad agwepmai" is tiscd in Seedon 9, If Bocmwer is obligatad ca pap Hw w U== dkocay.1 to s w abar, and $omb'M bb to ptty do asnbnnt duty for an H=M 11CM Lander cagy ama Its gl en under Seedm 9 sad pay ssefs arr►otutt and Bomwer shat[ dm be obligated vo*t SOC6 o 9 to rem to Under any oath amsasrtt, I emle may lavatce die wedvet as co *W or au BMW Ucw at uay *a by a aadee given in wcwdWm with Section 15 and. tepM such Wocadn, Btbaower aludi pay to -EMMIm ail pmds, and in SLvh ash, tbt AM than WgWrcd VR&f . thts Secwpa 3. Under asap, A MW fin*. mat and hold p an& in an atnwrnt (a) WScians to permit Loader >n eppty ft ftsmds at rho =o VwWPrd ruder RMPA, ad (b) nee to exceed tie wmimum aonOML a ita*X can requim trader IMPA. TAA& attall wdMMtc ft anus of Fords due on the basin of eau data. and ==Ogblc estimaras adeTwdi;m= of fatale RoczaW itanm Of QdwM lac 'sat acamhWco SithApplit" L". Tw Posde sbeO be bdd in in itwtittaiott wbasti deposits we ioswd by a fedtaal a9asa7, in$W=cO*ty, or W&Y (atelutfmg Lt W64 zf Lander is Sa wsftdw Whom dapodle ate 80 ftato.ot in envy Izederal Now Latta )Blink. l.r lft Aalt ' dte Irnnda w pay ttse ESOMw Items 116 later *0 *s a= tPcdB d wxlm IL MA. r stall tot gorge Sotsowat for !► and apgtyrttg lire F§sntls, Y tel: � e L era' retl4 d = the to M ob s 100 sk c he Urtiew m ag wam b n=eck in t� or ApOeab" Law LA►r pesaaiRs F�atWa ane s� $ cer. regnirms mast to be pafd on the #goads. Lmfct "d slot bt lMdmd to ptiy Bd=aw ct OAY Int=% cniOP on tt Fraods. P4=w s and Lander ca sa= in wAdd& however gud ituttm Sh3u be paid *A &0 meads. I,eet•e to Beaawrot, witttamt ASS an anawat aenS oPdm 1Pareda as rct}uirGCi by AMA. If � is a encphts of Fnstcbt hand is aecroar, as tieli»ed wader EtFiSTaA, Leades aftad acr�t m F3txrowtr 10f the =cm ataadx is wcosdm= wins A. ff thara is a dwitnge of Pon& Raid is attavw, erg ddbW under RESPA. wader Olson teoft Botxoneec m rc omd by RESPA. w d So mwer shall poly W 1 call ilea ematmi neoaat;azp ro rsM_ up " Sha *t Ap i &=cdww with RESPA, but is no mete tftao 12 monthly Fla m. N th=at: is x &A aeney of Fte Wg bdo fa esamw, as deBaM wdrr RPSPA, LNWer 9At11 ma=ny Fto,tnonves as xegi*W by IOWA.. ad bw4vAr stg Pq to I Valor ttto emotu>s neeags y to xmict up the dddency in accodwwc RA PA, bat in so m=c than 12 mondt pots. Afli4.ap(pq) ( J CM MAM t 6 of r7 t SOlY t�41 �v DOC ID #t Upm POW[d in fall or all mw sr mmd by tbse Tdwoancrtt, La4ft, $1011 F t7j, rfatnd to 2Qm*wm st y bands iM by Lando & CIS" I UM. Bw*m jw twy 9l} to m a n Glittr$i0$, $nom esld i htkt8 BtlFltaitl8 U to the property vach cm atttrin p4ol�tY over rids Sea�r$y hvttumdns teareisold pay== & t 1212 1fie pt rrpatY, if }'� and C.ornt icy AW dUM Fats. �' *W mow' if WW- TO the axust that chess MM U0 EacMW ltemm, )3ot7owet adkalt Pir7 them iat the marnrer pxvsri dod in Sactiem 3. Bvtsover dmM ~ di my am wwrb rtes pawiyr over Ibit Seemity bw w=u tmkd Bot"rr ('tbi IV*" in writing to the pwMatt of tiro obfigacws aoeared by CM bas in a me= amcpable m Tendst but Qy so IQr* as Agawwor is pwfumft sv* opeepWIt; (b) c0ntattt tto HES An pod hith b . o dett:udh 29aitrtt s c mart of ft tim to, �� which fns Landees opfnioa 0p ptvam �t of ttte Fm wbik 0*w pro am . twt 0* v*R *.& paoonf� arc conclude* or (a) attcaros fton4 dw UMw of ft 10 tat Vbmm salieCactvrq to L# *r snbotdi aft the lien to !this Sanity Dawnwt. if Inrdar de#Ajgnw the say pM of t5t propeM 'a Fu*a to a lien wench can SMIA priority dv w Axis Scoa* kgtm � L=dd'rrray give Bor'owex a notim idend du kr. vWiffin 19 days of the tints cat wWb that nodcG is gives, bmmwcr tbadt sOWY dw fxm or 1062 0120 or mom of dte actions tttt fottb9bovtlin tints Secfm4. F mdar MAY rewire BoQOwar to pry a oaa-G chose for a'cat Crowe tax vrarifiraGon and/or reportiog sesv�cB used by 14MO t in 00=00tt0a wilt gtia Loos. S. Propedy b'teaal wa. Betrom dog k0ep the fnPMvaeteots stow dSistfrlg or teeta u, -Wmd oa tbF propeq Wmmd age toss bit Em hezftrdtr Included v tin the to►m "Minded wvcrsge." and wtr other bw ands WWdfng, but not ItMM to, cant p*m and 13006% for WN011 under reeptfs. fnratraaoe. 't'bis }san,rance rttrali be m¢itttainad io d4 atrroaats (ixcbffipg defter kyaa} Md. for (be p0t)ods then L,,Crtdar ,gtth m what Leatkr sattutea yugm to the ppvocong smscm4 s can ct emge daring the tetra of tho LML nc, itrxwraooe Carrier pmvldiq tftc ksmutz aAs♦4t be dmsm by Ponower sobjecr to L�rct&ex relt to dzaap "ft Boarovwet'b dross Which siZ. sto not be =tt maed t aoabfy Uaftr may mquim 3 =wer to pay, is Mvwdon with tltis Lotnt, atbrr. (a) it erase -tuna cb&p for Hood tour dMudustioa, t ati5csttion x0d Ua&hkg sar4ft. or (b) a oaa-d= cbwp for lino@ Zone detc Ina trod cEraf "Mm wd sW>sOnt cbargeg atrh dot sanut VISSs nr tdtaiiar thwkgm occur which monebly rMea ttttoot satb dd&m*mfws of cetti8cNiM Berrownr sbau gt n b. = V* a $jbk for the pggmmu of auy fow imposed by Om Pa&m FmoVOM hfmgp7 eat ARNMY in cvaaoetiaa with the tevi0w of MY Rood XOne dM0''9ra dc* iccsAft from am d*d iEoa by Boaosver. If Vuw ww Bola to aain ma a q aP " eovesagm des db6d 0tlTd4 Leader mg obtsfta 9nsttraaoa cs ventge. at7m*es op fm sad S*noq ft atpmw. Eeaftr is uttJdttso 9W*adw b fumh se. say paz61 -4w type ar smoum at moerage. 'tbertfora, 4%6 covmv *4 truer L.erntr . but mlgiit err tail net pro= if wwwer. Btuwovw$ egwty is ek No", ce ate sonmm of rho P**tay, wow MY task kmatsd of H&iji sad XaWa provide gar or lem atsveraSe tbmt was p+ ?knn ly in dll ect. Bo=owa acknawledgcs that dw coat of Me kmmttce oovcrage to obtairW mdgftt sf$tstt mrMy afttd Ott owt of ;mama that Borrower co vid btrtrt: obtabted- Am ttt mum &abtvxcd by bwdee ttada this Sccdm 5 shalt bacmne addikM9 debt otSwoww mtrad by aria Secodty batment Tkm mttstmtt L{1Wt bust tsar at UZ Nme ratr fmm am darn of dfsbwmznt med OW) be payable„ with Vmb bftztV, upon nOdm from Lesdr' an S0rinwcr wivestingpqUo AV kww= pwciar mgaw by Latdcr anti mays of mob poll iw A*U be sable. to Lcoda s 60t w Mauve such potiaim dwi inctada a standard morWw olaast, sod #M stems Lardy as m0cwVvve Wft as an addidotus foss payC& i eadet rbsdi im tyro Agkt to bold the tsctaoms and MUMVI 4ex00oates. if ��fptAlta t ottt tlrpcs} ftp7.117 Im Doc ID #L - I caodrr aagoiores. Bost wct sha11 gmrnptiy give to Dada' all mWpM of paid VMMVmes WA twowad Tta4ccas: V R=ww obkM aaey foomet tsf IMMwo V & v eoo r ,, n ot odbegwat :egdwd by Ltttdw, ftw d go tu, or desuttsxiflat 4dy tw h"opariy sl l ke & n *Mdwd tttortgage. do= and rtgali tte8ltoG eaAtx as raFutgayoo ascd+x aG an erddirivrml xtss payac. In the Went of loss, Bomwer:hail 0% woapt todot to the i =tom cortiff sod Lead er. I=der may mgtta pmof of to if .not Made Prarngadq by rrt: Ltstletes URd&r artd BOOM otketwise WVO in wig, any aussmnoe.pto=da, wbotbor or OX the tmdedyin$ ink wag rttiWmd by lxnft edtttll be appbrd to tesio don or repair of tht: Pitsltetty, if the daa or repair is ccoamr6oOy feaahk azA LrndAeo w*a#y is nodlrawr ad. Dtton steno vo*r and rwtmmbon pwiod, L.ondar uitall bave tho dght to hdd each latatgattae prttwa & wMI Coda' has bad an ttppaeiat W to inapert VX' b NOPCIV u) talon the wtttit iris been oomplated to to dfiAS t stiat'ncdtrtt, ptWidtxl. tW amt bwpectbo $gait be underWza pmmpdy, E.mok May dssbmw pcOCt: dS fOr tM rMp*j od reMmTj nt in a skSM paymeast or in a 9anie3 of peogrtas paynoesnis as the work is =Vkted. [hails an agt+eezwx is waft in wtitiatg or Applitmbk TAw req*cs inwred to be ,paid on ad irtscuavtoa pma" I.4ndor "I wt btt.tdQwtad to Day B=vMr stag it1t4M t)r Mubw *A ssch prttitseeeex tress for ptabaic adjut=ttte, or atW d*d padits, afta A by lsarrower AM ant ba paid ant of the kwranm pro wk and altail be 00 ants OttaiWWOU of BotrUwar. if the rugoradw or MjWC is rant om owimuy fwsibio or YAodeda srxtoity wwam In )t=s woo, the instttsnco p oeoft dtali be opjpw to the sums looked I;y tWt 5aetraty Ireatrtemmtt, witegw or not thmt d=, WO tlae enmmsr, if Very, p*d to ft=W Sub ims pweo*& sho bo appli3od id fl* artimprovidod for In 3ectkm 2. U Bow wee deadotts ft Property, may 6101, vego" and settle attar avl I&bk inaiuffitec Oom wd related waters. If Bwww does not mgmd wkbin 30 days to a uoOm fmat Under d* it itwepw =kr bw oS=d to settle a Diann, Om Leo ft may aegotiam ad sate the claim The 3¢day period wW bogin when tbes uofce IS shot. 3n either at*, a if LwKkr aoquires ft Frap ay under Stw Mm 22 of btht wiav, Borttlwrr ltareby *mV= to Leaft (a) BOrr+owds rights to wy itma &we plod is au mnWOM slot to extxed Aa atttarutta ugWd under 1lt Mto oe Stmay Iaammor t, end (b) any other of Born is dsW (O*w dm the rim to aV soAmd ofmawnead WAiuss ptdd by J;000wat). adw sell ittsatrataoo palktias cove&* rho Ptop". knobr as sub rights we ttpplimbh to ft eoYesgge of tee Fnporty. Leader nay *= the hworeaw ptaoesoda eaeow to Sespait crsestare do Property Or to Pq atttOwu vwd wxkr the Noe or rhts Somdty Iris w m wlmtba or im that die_ tH Ocapawacy. Botmwer sksil owWy, p4taWM, and uac tk Pjapaw as BwowWs ixtoipal mstde e within 60 days afar tbs axxnt = of this Secorky Ott and "I oasttinoc w OMPY ttus Prnpcw as Bomowar'a pritx4W rosWofte kr of hR4 am year at7rr t)tes date of eac%u", tmlm header o"rWIM w= N writ m w bleb Oov=t sbsll =be umwm ably %4ffitteld, or unim and motmft cirmstumtres exist whkb ue b yoad Borcoave % comma, x �, Mokwwwm aed Proftc m of CAe Property; mss, Bonnw& sbal) not destroy. dump at kWair the P,opetty, allow &e: Pmpnrty w a or t mvAt waste on dto Pxttnaerty. met or nut Baeaowar is rtssidirtg at the PrMMY, Bon"" *0 tttaion tho Ptt)pcaty in MIkr 0 Prpvtxtt the: Proptrty fim deltrimdog or dcauft in voka daa w A txmtaitio(L Usku: k is dwrafted pumwt to Section 5 ftt ropaic or mtmikm is not eotutomicdlly Bwowef athati psgmpdy mp* ttte i'toPeety if dauvvd tp.*void father doewasaboo or aamgw, if WMWAT, or owdetvetaa wo Pir>cceds am Plitt is dad with down tw er tt,e hake a& des pry petty, DDIMtvtSr shat! to Mpansibio w o4n i ft or renooft the PropmW ady if Let kr has retaood p moveds ft such pew. Undtr my tU t lau pr000eda liar rho Apalrs and tttstsatndw in a slie k payalast or In a cedes of progm payraacra as the work is -"fPAI iGw) OHL (low) FVao 4 yr 17 F4ra154sa 1t4t DOC ' COMO=& the 3A5www or condeoRa, doa puma um wt amt io ppar cr 1n! wM dtb pnupeny, i3txta*r is s'tot ttdsered On of FMh WP&of MMOtstiM Lender or its aunt mt(y #do tmmbk p*s and iA' i-* of tha i'rapeny. ti' it hate ra afabto cost, Y,eader MAY !MWC t ibc W%rW of me impMC lbe'ts on ttre'F'coparty. I.sa>'tit:f SW thv BWDM Haiku at 6t OM or or prior tO.%wb *O itittXiita' jw*vup0m spocifft sash reasaaua twu S. A w rarww D Loos AROMAttat. Bom raw "t be in tttirtalt i& dtuiag tbt LOO appkaidw ► Baaahvm' or an puarats or Odom aatig apt dw Oimclbm oY Boueffer 4r with Bmmwer's lacWla * or 000namt Prr Moubuy falter M W *& ft & of huAmm info mma or etwenwwa w Leader (or fitted to lie Load" wills md+- Sn OOtawtxatt vritb to LO, Ddaww xeperuerttations iecbAft but titC Rot fimud. to, tappe9mnkwn Cora MM" $atCl7ol WS D=paoaq of it►tr pxoperty as Bovwees prlrtaipad 4 Frudeedm dLeader's Laatarest In Rte iProPEr O wad X IS 144" Ob Sftwt ty Szxsfre� if tai Bomwar Nk to pets = dto WMEM t o a phMM om is t'W Swimily la==4 (b) thore f8 t jqd pmwdM d at z . ftWfk=V 8650 Lets inWMI lm it1G PitapC W NOW a& =ft this Secudw k8buff nr (Such as a FOXY S in bz tblgwyr probate, ftt Owdeotoatisut ar ftaaftaoxct fet ftdbvftMwA of a lien winch may mudu priatity avar th76 S=xky InWoOva Ar w cnfi = laws or n &CkSwg), o (e) Boaawa bas abandva,ed ft Property. tees► Loeser =y do and pay for vluwvvg it mao,nbk or apprapdnk w wOteet LedtW,t i4west iO thn Pts,t"y "rights atUtep ft Security lnstrunwO4 ioalndicg pauceaag a WOW eascssing ft vew of ttae any, and aootm8 anctloar cepelft the PrOW►- Laatdes vatiw can include, but are Wt tirazitett ter. (a) taykkg my croon steared by at Iian which has pno&y aver tMa SeCuexy Lootrtwm4 (b) 4pmOng is pour: and (a) pab'irg rxmaraabte attorneys' fern to ROW its so dot Ptarpatry+ ww(x xw" is ft this Sxtadty ISiwtt j. k4uft its tso0 nd position in a bu&MM pw g. Secwfg the Ptw ww lactndes, bat is n ot lialito. A ftft&g the i'ropaty to make s > dMp ltxdC,s, rept M or bcKW Op ddRa and whidovws, drain wale[ b= prpt4, c&Wn a Ming or VOW Made 9101aftvtta ar ftP8 sari CCCAti^ no ['lave Wines goad art at aa& Ahfttwtgla Loader may teko acdaa wdes slue Sodon 9, Lender does wt band tP do to and In not under sY 4W of OW*stlwt OD tip am B is Vwd AM L=WabO=lbO liebatity fa uMukkg any Of 2B *Cfiaoe5 zddK wd Ru t this SMiGO 9, Any amo=diskmud by Leader vadtr thi! SudOn 9 Shall WO M eddlti0uat dobt pf BCftOwet sectored by ft Secwtity twmwcnL Thom as aaa clads boar intact at ttafr Mm air. SQaa do tram of d'u barw nt and ShO be ft%bk, with camels i%drvak uppt Obtiea h m Lta tr tb Bt> WW Rn°sting PwydtmL I# this sanity ant # opt a lesaeht'1d, 8o +er vhplt 0%*Y witdt BE ttre p of the Jew - if BOt Mwtr eogtfm fa We to the Property, tits JwOeld od sire fee iiga chart 'sat TWJV amass Lender tees to Or =ger]a asddlig. 10, Mate Iasarsace. If Lwdw rasp ked Mortgage Itmrcagpe as as aord*m of =,ddug dr. Low, Bqwwer Stara pay the paatdiums regnimd to asaairaawm the Mcattgage Iaaaranee is Offset. 9 foe asay reaa trip, the MorWp Now ma coverage =prtd by Leader oft= tin be availbie tionm rho unortgage itur w tiaaa ply p MI& laZ==C0 no BarrOwer wars eeapared to aatWe qty dasigasmd puyUMOae toward the preatbw fat Mares fir, DOW&Mc r d" pvy dM prmulow nA*Md to obtnua WYM P suboafid�y+cgia'svW=t to the ]ides ltasrrtae,ce; putt tRou* is Afkeat, at a oast aabsttmtia r w issltxtt to the am 0 DOffvwft of Me k t gvgr Imaaraaec pravrat#ely iut etse�, fraraa an attetswce DKfx{gW iCt:nmr 8t 3C+Cted by Lender. If gubstunfislY egdvaknt MOOPP IOM M06 covnU90 is amt avauWe, Barr aire€t GMUj w to pay m T.ett W 04 =MW of" scparatoelit desk PAYS &a wwo 00 wbtm sloe insnrantc cgvt►rage w ba is Cff L Ltndrr wrtd aax eN M 20d ! dWft }tai meestts as it wa4dkWdabla 1082 eeaecvo to lien of Mactgege tmrtMM SLwh lose tx6cm abaft tae not - tvaoos, notwiWaan ft ft fhca do the I.6w CK ( a .a or 17 Farm 2M IM Doc ID #; - - - -- is ttl+ismtety P fa. ead l ardar stsali snot be ro ptiMd to PU D" * inW= cc =imp pn each loss rrsoree. Leader cm ao longs I= c payme�ats it Modop Iu�sntsaoo oovaa� (M Ehe smftd Brad thr die pedod do I aft aegpires) pmvWtd by on btaonsr wIcO ad by Lander oasis btwdta aysileAe, is abmttmd, sad YandermgaiM � d� Lcreu��v e f Gradu > inward sht PrCWsm+s faf WWnPgt; lugKMH4 Barrow m i d In a�leet, as la p WAo to ton- vofundssalo foes �! pap ft prena�iumd rapite;ti to its Mort rasava, ootB f endee i reqdmmma for TOWASCO enft in earns &= with airy watma agncowu boMm BWOwer Sad r arydrr p voj4gg fr av & tormivaeisaa at ugdl omknetion is by Apptiarblo Law. Nottiiug ie Ibis 3aotiv:t I A affi cts P to � inert Nt the rata ptovl&d is ft Note. Mum Iavtaeocsthmbwcs Lendw (or evy mdtY that purc6as tba Mott) Ar i amrirs f it rosy jow itl;or war does not ti=psy Th Loaa 08 as aec4. BaJS War M sic a petty W dre M&*W Inc More p issm m vWmm their boo funk an elf mch b in foeao from time to dnw, stud may c= b w its v4th otba pmin dac mtwm or mttdffy th* rills. or led= Ios6te. 700 ePeame 4 sue On tams ad emom am am lotam=y to to two iatm mr Ed the other party (or parties) to tttm apeexu%ta.'lisosa VVWnM ON nW= tt mvrt$age b== OD shake pFYM*gb; tVng any amm of fu " sac sno4pp i mm may Dave avaimle (wldeb uLV etch& fait& obt99ated fim WdW lam== cast of thm L m a; MY pmdmm of the NOW a=&w !MGM- saay Mm= any ofbw aunty, at arty. dusato of any of div fbrega'sttg, my mcavo (am* or indira:ctly) ainoMM that drrira !cons (or mipk be cbaraacd=d tts) a pottidtr of Bonowtes payments for modvp Irtaaratlot, in adwso w stag or tnedif kg the > a ftt wCA fiat:. Or redaciag foam& if goo agter nm pmvfft that eta afh'ta of Loader takes s dwa of the bames ds k In exctntp tar a Sham of the psa ftM pAd to tttc _ ftsatsa�cr, the>Znoagr�mtat >r� t `Csipt+r+re tearsrir+vrt�. "Amber. (a) Any saes!! pia WA saps Obd IM atmt>nnU 9rat Rocrawer Los agreed to pay tot mal me insmcam k or aq otltsr W= of the Loan. Sua rrsgm ts vnn wtincaoase the smarm' Rwrowa Ma ove tmrmorwwage bva=cs, and Arty VON not come Boraoww to ow e�e[itra� (t+) Amt' aab MMNMM6 WM not Oft ft Bmvwes .Los - if aW' - wfdl respNI ra 6* ag� cler the iiameaxnelo j'rott'atdm Act of 1999 or aw o&w mw. These rfgltfs may io*& be rf* to rm ws tostain Aral, to rogmat =a ebtsiim a ncosideta of am Maeetgslga in "Mee, W have Ate Mar#sage Yrmtraarm: idrmueiaitxi ma+r+adwb', amd/or 0 roedve a rdrmd of aay W*wt@W jnm pie b*t w%v valrnad at the UM of WALL c+amcnl ARIL ate MrMhOOOR 'U. Aseigmtumt of NbUHMMUS PfDftdg; FWhi ale. Alf MIWBM= pfacetds am bwcby aWgaed to od "be pasd taLu*.c. if the Paoptity is dtrmsgad, such MWdimwtta Ppoeeoris *Wl be•agpiied tp cnstr =bw or IV* of afro pmpecty. m the: reseoradon & repair is eaosonaiWy feasible ad E*xWtt $%Mlitlr is not tm$We& DOft =6 repair and ==rWm pcgod. I.eoder attest have Bat fight &t Laid stub WOftUmms Favaftft ontii Lm* bw bad S8 pp ip to bugo# such pmputy a Cosro the work hu bean sample z d to Leodtt's sodo&06M pmvided deaf studs kgxcaoa s6ail bt mtdatalen y=ptfy. Lasdtr may pay for the repaks MIA lertaarWO in a. ftk aonm mash or in a series ad pmpm pay;nvmto as tees wosk aomptetcd. E7nirao ass 9xaemsnt ig made hi vhiting. or Appbcdk Law regahas informs to be paid on smcb MwcUaMeaoa Pa oc&, !.radar d all 00 bo xegared so pq B=vw my emabw on mini w5we lanom Ffaao & if stye rettox>idon or �.ss+(t'W tosses r -(swab rW,00ttf tsars eras L)OC ID # > i5 rtot ccmwmicagy L tldeA atmaoty w*Q be, i 4wnd. th o vArWcftIO= Pn mc& dm" be appal w ik mm wxaatd by blgtmrtent, whedwt Or W dwu dw� WA the GxCM if any, y W * D u wnw. 9ttctt iuBatxsAart4thpsptoeea be appfied bL ttts order paovided for is Soatiort 2 m dm evemi of a cost€ tag, daatrtactittn, Of loss is vahue of "Progsrty, tots h iScmHw o u$ p shat bc,�p�d m the at+ugs cctatted by tilig $cCttrity �ntttllt[tho6lt, wbatfa4r of riot then dhta, vvhh � atoaaa; if ffi55 pdd to Hor,cowa. bt the cmt of a pow bwrr, dwMaim, or I= ill Value of t]te Pcapsti)' Sts wbkb the fair WAAmt vatt+t of the Wwxda* betbac the par69 tat hW, destrut do% or tow in vtttoe is Boat w or gtreetor thm the a Aom of tftc canna s=md tsy this Sam* Ttttsnmeat immWW ty bare der pnroal tatting„ dewwi", or h= in vtilao, mkm Bamvw sad Laadeat otl rte agoc iA w.tiiitg. Ow sums mood by this SwarAy t ncnt ftU be ruhwd by Om tmwAt of iha UNetlahot]i2; Proms& as IOPBtd by the fothatah g Hmctiu>st: (4) the toasts amtswd of lhte avms somued iowedkt't* b*m &D PO MW& dtpatrl 00m, ar bat+ it► vwbe. davkkd by (b) the fir om4A Thee of ttta Pttr NV imatea eWY tdw dtt pttKai to3*, tfea Metim, ar hoss to vat m Any Wwsca assns be rN to Bast vw. in the aural of a partial UWM deafcnotion, or Ions in vitae of ft Property kk wbkh the fair to;tarimt VAU of the f'topmy icy bafm the pmW Okla& dasttoctioe, or texas in vaOae is ku Ow 00 MOW of the mms orated immca4%teay Ice c rile Parris, takktg, deatro dw. at tale in vabaa, mdem Doomm smd Leasdot Odwii a Woe in vaift the bfso6Adhl ww Psootssda *&H be appt'icd m die m= RwMtd by ft Smri:y Insbr mtiss wft dw or not the mms tats slats dme. If dw BWerty is abets bW by Roter"M pr It, after notke by Lander to SWOWar Chat toe dppoSing Buq (as ftfi d in ttte nest sat4tca * ova to t!r Wm aR awaiad to saga a CWM kC dMA904 Bor om WS to mspattd to Ueda witbiu 30 days aft= dtc data clan nodes is given, Lender is mftdzed to WOW butt W)y too hissoc 4neews ftmcda Outcast ro Mina ar srpau of the Ftapeq or w tM mm steed by this Swnity ZnWap - ht, whoom or nor thgo due. "OnosIng Party" meanie the ttutd patrep asst oww B%MvW bewcimheoes f ioc mda or Me party aviam whom Bwo ver bas s 4& of action to lopm to bfi=cHmm 1'WOMO. Bom vw shat] be to dtdhtttt if say action or p w000div& whacher eivht or astamaai. is began dtst. m I,aade>te jet. ct><+ud t+eatdt bt forkitose of 11� ltt>rpGrty or thher tttatttisl impa#t+eaiau of taedes"a int�t ins fife PtopM ox jJots tttader this Sept W Z=nt=L Bartt>vrerr can amt ah a detach and, hf wdtatftioha has 000mu t, rd mo as pmvidw iv $WOW 19, by tatty dog. the actiatt or ptgtsc fag w bC omosscd vt'ifti a rwbg that, in f ontirsra, *Ment, pwjoft IW*Jmm of ft Ptopcny or Ww metexiah hmpskmmt of Lcodata i zna hp Ste h'maptsty of algal {odor Wo Sea o6q testtathant. The pta000ds of *q award or da�n for dact�c5 drat art �tGititstafAt tv dhc imgaurttaertt ttf I.etedes'� ir►te:�st is 8ta poopeRSy au� lkteby uaigreod scat shall bepaid to IAWw. A]I btiatcdltt wm Paaorats "W OW riot apPlkd aO,atsMOAO ¢ m stpdr of the PkOP& q ehtht be ttpytied in the arda poovided W to aw$a i 71 IZ Boa masso Not Rvk*mtl; bbrUa a me BY I,eadar Not a wawm Sxttasion of to fte Soy payment or modtfteatiatt rff amfft tp m of the stzns=cmd by Otis Sce0ty ltast mot scanted bP Lender to tmartror 0' Sucoassocsa hone of Botagwee d=v not opu tt as r+eteese the timbtfi4y of R=ww m arty bps in lnteh+eat er Barmwer, I,eaeer aba11 om be tegaudxd to ooe c P WM*W tt my s=t.. mw in biDma of nohow or to refine to zxtaad ftt a for pttpm nit or otherwise daffy amot Via: of the seats swwed by ft SomdW lnatstimmeot by ttnteon of any &U and lw& by the =Wad BanroM as W Sltocessors in k ttrtst of Hots *%% Any ferbea w*w by L,mder in easteisittg my tight oa XMWY kdudkW, vritb m Tu wlcu% Lmws a roe of psgtt wo 6m tftttd peracca, attics or Spooerwvts in iaseroat of 4 ft -&WAImm MiLfwas) Pet"11d1? 1�es79Ot41JO1 DOC ID #: tercowa tY is tanonots liras tliaa dta amount &M due, shall VOL be a w mva of of reduds the exetciw of soy ftbE arMmdy tip J9wwasaaw IaR1OVI CqAgMr, SwtxMors Amt! Asftw Board. Bonower oavenanta aad a8meo d= Bouower's obligaaeaa and habiGty smell ba ,jour and aamaL mar, tpwy Bauowa wbo two- di M this Sant * BW=mM bat does trot tarcctttc ft NM (x "eo-ssg wu X (S) is oo4oiing thia Seawfty lam Cary to mattgttge, gntit and eaQVCy the OD410tcA intaeat in thM NWM MXkf the ft= a ibis Sets+ W bM=M (b) is an pm=*Hy mad w pry the soars sued by dA3 ftcu ity sod (c) aptooa that Leader and any othd Bormm can agtca to fauna, sood(y. fadvar or mate, any awwwod4d= with xVwd to ft t+t= of atria SQWdV teat wBM err the Nose vrhhoat the 004iStWit Cba►sCaG Sobjcer to th6.prvveeiotr8 of Sectim 18, may Soeoeaeof to Inw at of Borrower wbo atstnaes 13ww wer's obligations raider this Setxalty lawaintw i s wailin& ad ie apyroved by Leadw " abbso all of Btirtovveefi non aid bmft mar td s Seth kstra =L Borx"w Al wt be released ftm BOt owet°a obfivb s ands twbitp tinder this Seomity Ina mou wilaw Under agrees jo sttdt misuse in wt4ti M IX covenants and apoweams of this Seam V lamftnt d aII bind (tctespe Iz pmidnd iu SPMM M sad benefit ft SOVOMM mt+t assii� of Lender - 14. Dwo Cker t Lender may ehwV Btascwer fete fw ftwiow perfarmo$ in mommm will► Ba owet'a dthrdc, far s6;t pmptwe of ptweaing Lt ndees Warm in ft k'mpmy and AS hm t nd= &a Seem* hmawveot, m4mOr[g, but not l'au+[ d to. 20oouW, tear, property K%zc& m ant# va vmdon f= In tepid to mW otter feet, titer ebsa= of esrprew aWboj* is rids Swadty iveb t to dtacgo a spowfic foe, w Romwer shalt not be ccmfted art b prsit� oa the dra &R of mbch foe, resider vmy not charge fors [bw arc: axp w* p mhibaaed by 04 Seca* Tasomarc i t or by ApIdiwMe Law, If rho LM is spija trr a 31tw whkb sets umlinam torn cb"C* and. that law is t'cialty inurprsiad sv tbat the Sntc wg or odw km cLarM Mkcmd or to be c oUnd fa odRT odoa with tti0 Loa t C7wad the pitted bmi m thou. (a) wW Bach tome dwp zW be rrrdncad by the awau u ==n to red*= We ohgga to the, penxkW boar!: std (b) arty ears &way collected fNm Bores wbic h sacmded pamoimxt limits wilt. be =lorded to Bo=wL Leactsr mxy eboose to make airs mAmd by mitmim8 the pritidpal owed wader the Note or by mgk* a tTneet paymm w A=avmt, It s aftizad &&= p kcipA do wdw6oa wilt be u=W as a pafhd prspaym d swot Afty PMPWrticat (W1109W Or mot a pmMMU charge is Prcvldod Or arxlm tree I. BalttvwWo nowpwoo of trip suit s'tfttt medo by direct p to $oaroxcr will OMStiMbt s VwVer of Gg ri& of tErtioa Btartvwexzai$fx ttavp a qg out of tort ov=harge. as. 4&5ft . M swdm gtvetc try Bowov= err L—Ow J* ooaneedooa vft this Soanity hmumpv* mwt be far w4ift Any notice tQ Bwowm in twabacti m wieb ft ss+wv v 11mmew dMH be demad to hltvr; beat given to lsoaow *bed mailed by first class mail or whm marmily dolvomd to BamgvYcet notice etas if scot by other me=, NoRPe to any am Dqu%m r AM aonW%tc na6co to all Dwowas uMft AofteW Low =W* r'equm otf� Ift adSw aft= shall be dic Property Addr= tmkaa Boaww has dm*a*d a sidwib rat= aildm s by nodes to Lender. Swcwrr shall pvomydy IaAa of Vlmw tees donp of m% IT Leader speMes a pt+ootdnrt: for tVW tt8 30Mwa'S tshmogn of adt$rss, then Bauwwec abNl twlp mpw a champ or addseests timwo amt speoeod pr000dum Ibem may be arty wo demgrmted notict eddu= under [his Security Inurootrot At ow ono tame. Airy nWoe oaimuta dall be, given by daveft it or by mzTwg it by frost rbox spit W Lender's addrsas stated hush► Wen Lottfthes duigiawed tmotm addrw-by notk* to Borrower. AzW notice in ootmccaoa with dds SeMdty IMn m M tJsall cwt be deemed to Lave been zka to I =du tr al [tooMy mxdved by Leader. If arty tw0w by Q +aWAtt i obit. (M MO P+mn it d f? rbjm "se lust Doe II) ! dus br km is Aw erred =d& ,49=bla Low. the ApOmM S4IW t *111 $ads£y qee ooxffpmxft agttiv=mt uoder this St;rn►r4 bmWXnM IC GvWalrtg L*W; SCtraremys Rents of Cou*uc0m.'!oW ScmdLy inse=am abaft t- governed by NuM kw aid tftc ktw of the *b&WOO Kr which tht A quwW is heated. AU rtghtc .mud oittigartt= oomtabM is arts Secaaty J ate sttbjm w my mqueonew oW Miser of Agpd;gM Law. Applicabk Lw might osprMW or JOVEoi ly d}lo* 0* patties to agreat by axtM=L Or it might bO ttOOM taut eob &Uekca Sha1i tttu be caa filed 0 a pohibstRM agairrtot op *=Wt by $Detract. IR the CWAK peat bap proridon as claw of yids SwAty went or ft NM conthcbt wbdr ApltiK We L". sans casW SbaH ant &geot otter pmvistom of this St wily Iftmmunt akr ft fte xWcb can be gim effect VOftaot the colfflaftimovidm As used it dkis Swmily IaMrt o mt (e) woto of tip rmudtw gouW WM ahem and inatode sp Herrera words or word$ the femnaitte sondm, (b} wozh in dmdW*"h sad im4u& the: pkmi and vke vmw and (a) dtt word `ray" gives We Assertion v7 dkmt arty OW" 00 to MIM any »: Bttcrvwrar°s Copy. Bocrovtrer:tlo be SIM am a$y of dr Aft and of twit SeCdit litstrurscnt. A met of the tkopWy or a Bvmcndd kdereA in Urrom Its steed id tbla SmIm 18, - hAmest tat tttc Property" mama Aff ergs! ar 6+aateCrcial snort in dse prgperty, it dudtng, tart WE ttt*w ta, those basel"iaial iataest5 trarrakavd To a band fa7 d oW, mg= fbr do 4 instaliama sates coaaact or amsm agmwmu4 trio Isumt of which is the umdfer of titIC by Borrow sL a &'ta daet to a peer- If art or say pan of dw Pmpwy or so Tatcmatin the Properly 9s sold or bmuftaod Car If Bomwverio ramt a ketone Peom snd a bewXIW J Worto in SeMwer is scud or t hmf6md) Wi#=t L=dmr's ysitrr xwdmm COM24 ialft may regab i rm tc pqm* bt to of all thnas Secttmtt by tititt Stet} q 3ttatttttttaM Xomevu., this oom asst! trot be =Ydwd by 1r=dd It mch wtettm Is pmWtbiW by Ayplicalik Lsw. If rands• txarrrases rtes opdor4 Lcador sWN give mower aortae: of 000'916� 'irAC notice street provide a p060 of not leas than 34 dw kom the data the aoft is vivo to Wcotdttnat with SW*m 15 within r oW& Harrower' meet pa9 alt auras mcomd by this Stx+ardW IrkdEag L If $cttruwer bib to paty titers smarts pdW gD Wt tctpirtttemt of ak ped.#A F eadar temp ittva any temps permigod by iris Sec9dty buumm witM t Farther rx wo m ddmattd on )3oamer. ]5t. Borrm Ws ftU to mate Aftw Arcs ietatIots.If Bomwor am(a =Nit oottdiitoas, Bmrrswor shall Bays tbo IW 10 harts anf»rcrtinrs+t of title Soca tty b#mmm Aiscmdm ed at my time prior to tb6 aadir.at of (a) &4t: 4A bekm salt of the ProperW p►uatt to any powtc of swo cna food in rata Scam* mart; (6) mrb ottmr {so&d as APPS f•,t'w otight specify W rite tetmirtattatt Of Stttsovva'S right w t kow, or (C) emu of a just a*Kft rites Secu ty T.mn.ct,rmr 'TMSa car mo u sts dot BOCOWW (q) Ma Leader all ttmos unties then Wove to d4c vad" this Semw kwommt ad tree Note as if no agatoq feu had oasmn+ed, (p) carts sty detult of my eats' 60*4a its of atzcoadt im (e) pg3rtt eel 4vem . i»Aov!sd in aftcbe this S=diy I mua intSu&& 11th " Emrised to, muMM rlttoraW fact;, paopocty lt�cn no urbane OW4 and attar fees inowtod for the put posy of prutreting rAndak tut hi tttt roped y and righter midst tens Smucity Inumbttatttt seed (d) %tkos torah action as t okder may rommona sty Mire to asses that Lftxw j MBA m dta Fx tmd tigma mier dw Seco tg lntttn mik seed l#anowedb obtiggoro to ptty the stress tzGo ed by Knee sem dip h utmmIL sbtsst mad mm aachanged. Lender Way ngttim titer R*ooWC rptq Wo VimVA*mkt sassy and asps Sit one or more of Om fb]tovniug farms, as geed by WXU= (a) t ; @? MOM Qdx, 00 MOW c bOk twair. tl+eas MeA dWK ar cued EWS c pmvidad smy tmeh cbo* is dcttwa UP= titl iaSt n*o whose dVgAts mo hV=d by a feud agewy, i1 t- �ttt'�►y tacos} t (1oRi6l fto 18 of 17 Fwm1 sutra IM DOC ID 4; _ htka or entity; at (d) Bkottonio Rob Tumdca . Upon rckmatumt by Barrowrar, We Somry bsmt<uo mt. and obiiptiouu tuned hemby " raanain fttliy efctive as if no aaxiaubtm had occurred. Howryar, ihia tight tO r6iAd* Z t8ll MI *P* Ia iha OMOf acaakMiort, WtdCR SeftD IS- 20. Sde'ad' Note; Champ ,vt<' Y-Out Smear, Nvttee ot Gdvvaace. The MW Or a pttttiiai MAIM hl tEtt MM (t+opdw with tij Sa Wqr Instrnramo can be sAd rata or naatt3 woes witbaut p9dr ootleo 00 Bat==. ,A; $* ruight: Psuk in a CUMV In titp•40titY Ckmm as thts "Loan SwiOCM that Ctaitecta Pai%W i?t4ymauts tine m m" rho xtxs and tldtt y hhstrnmentt ndpedatn;s oOw magap low semict oftaftm un tz riser this Set achy 7rra tt, nerd Apg abda Law 7b= atlao t bt Omar ns; stt=AW Of the LOD Sean M wurlteed.10 s z g o of the Ntl, Lf tiecro is a, t of the 7mn Swjk* t, Domma wlit be #Ow w trnt 00600 CC dtC AWt9e twW& WID MU the IS= acid OWM of tits DW '�M S%Viaer, 66 ad&tm to whwb plats do dd. ha hat& ad stay Act i *mutiop R$.SPA requires in MAPHiOn with a notice of uRmfu of =rift. ff to Nate is taWd and daxnafier the Loett is serviced by a W a Seftiicar Other dtrm dim pmbm= of dw Note. IM MUM loan sunning obiigatines to BarmWvr wry! retrain *A the Lean SCrvieer Gr bo UvWfmW E4 a stuaoa>aattu Lvett 5u*iver tam are Oat amwred by tht; Xatc ptudum unless mherwiaa pumdad by ibc Note P w _ Noma Romwa trot IanQer may 000m age, ,sett, or be jobactt tp my mt w wbm (23 aim" Ott m&vi&W m n or Me mbar of a tom) IW arbor Jra ft other P" ActionA poser" to this Socoft b meant Qtr lbaal noWn that ft oew pony hats bwacttai qty pwviaioa or, or vW dto aged by "m of, this amity fasuataz 4 ottail attoba Bowoww or Condor ku aotifiesd tltc othm paM (wiitt such noft Dvdt id mvb:uaoa with titit MakuAnO df $wfim IS) of such alkLO bWA sad affardet the other pent'' brma * rtmm" piemd dtatr titer gtvt" of such aadiea to WO c4tVwdn actiOit, N AppbcabFc .Lttw pt9Vgm a tlma padoil which roust dgmc i5cfbm Ctxt b action Cart be Ober, that umeGp�od wM be denied to be ftawmbla fw VoTwo of 00 p%%ptpk'Y m erotica of ambrafim spd qty to cure gnut to Bonuwee ptatstrmtt to Uudon 22 atad vita notitm of N=kmdm given t+p ftAta M irUMMA as &WM 2S dog bo tad to aad&j the notim mad opportunity to Wm ow=kwe action pnd Osions of this Section 26. %L N#=rdaua StbMmoea. As used in ttds'SoMoa 21! ter) "Ha>s MOM SWZWxxe ttra tbOmt snkmam .&AW as aortic at hm*,d s mss, polkAwts. of waW4 by gm *otu=W Law and the lioiotfug m tatm= zm&4 Ire, Odwr fiarsmable w toxin pu 0iffit ® pc4 m;K twdc dta sad bctbiddm ♦akr a Awvomb, maker ax Owwnlag sabmm or fmmmcwm and radioaativa meapiaia: (b) *Bavhvuawzw Law" Rsa m €Mast laws artd lien of d►a �Ow vrum dm Px0,ptaiy is lumw d atrr3sot to htaidt, v ty or ea ugumeow pmoCCbm; Cal 9&hvitutattCa3tal (3ramv indu tt any z0vam eetab n=ffid 83aiM3, Of vti aq*g,, as d►dbMd is Eiuvirtmmetttst 144; and (d) am *9dVkbnMMW (3paydiOW roams a OnAtim shag cm terse, comidbate to ar Gthmwiw taiggrr an novjrvemmul Cicaaup. Borrower teat tma or FmIftit ft wes=ceG uric, avomd, Ownet, or war, S8 of OPY 2L6r nacj, of dweaft to we my V2atdom SabSh rafts, *6 or in W Psopetty. iiouawer A14 nQt d o, trot aiioav mtym tw w da. aayddn &w ft the Prop =y ter) that is in viaftn£wt of wTB2vWmo*uW U% (it) wi>rdt MAtM an fin,cierat►ti OMW Cbrxi'idon, Of (C) whicta, trft to dX pMMM. user, or 99CM Of @ Hro:atd M $WWWN, t~ a ctrett dw that adt*sawly Afft t the value of the p'evpmt} , 'At pmeeft t" smdapm aW sot apply to the pimmum use, or #MW on ttto Pttrpcety of xsWl qmlitim of %zardws Shbarmarars tbu am &=aWb rec pb;ed to be appopfm OS nom ml rtasidettthif trees and ED mtiatcamco of titm Psnpeaty (iwbffiv r but uvt rnMw i to, bazeadow sabot tOu in Gonpma pmdet O). - t�tp�iW f {itlM�} psir6ofLatl7 FOM3038 tntt pOC ID # : >?�oav fba P aft LAR&r wrman Doti= of (a). dAY invoossom, Claim, dca�td� lawSait Or odw action by MW pvcrmntaw or COPAWY SIbom cw Advm pady }pvofvmg Prapo:tp &W "Y Bums&= Sa WwM Gr Ewk6wft5Aw uw of ooh Bwowar has oomd ? hwovpw Co,&" WAu&ng bttt act Lvited m, arty *Ilbn$, Wsu$. dbdmrge; r Ads Snbsuw- and (0) any a mdWos Ct1USed bY ft Remm, tic ar rC%m of a So=*" Sttbatsuao Wbkb pd 1J okm tiro valao of the pct. ti Bormwer teams. nr is noti W by MY Pvtttanattai os regslm - andwKy, or Sy pxhlm pMy, d*4 any tmoval at Dater ftmt fiaa Of MY b wwd= Sobom offet*9 the Emeq is MC403$m, s ftmm t ha pxom tft an Aeoosmy temr dint acdtnt8 3R 1 4* Dn+iraa Law..N i Staab mcgo any obbVbw On Isar St 12 RTIiMtInO Ctirn"- Nfll�i)t�t�d CCtVBI�tAl1TS.BaaxowmraadY. ardor &tttbteranrtnrattssala$��pogowx $x. AcenkraHow gaedks. Y.00drx *an g[ve notice to Botrroeee pry to an fold Bntir+D�Ne►'s breaeb ea my Co omut or agr'ummt tee IWO W4 gnu � � wor W o�ecderadm un&r lg n ApPSOtale LAW to am art Aude (o) VW the dr or, t other a dug�tt (a) the d job) tae adim d mast)m emd; and (dD dM A^= t4 care *o da NmU w pfd mV eemdt iv awmkrstiort of the stone aeeered by thk S wu* lwk=034 R o d wan b prookft axle sole of tho p1COperly Ltades sha hxdw bft= ]Bummnv& of the rWd tO rt'luMte OMU owdemrou an' St r'Pt tan *SMI au tlta foredWUL PftCM&g the powo of a dd Wt or sw o&w deface of Bauer !a gccderadeII aped k reelosaa c. )r Mt .d tx& Is not hated m sped&d, Lmdac 8t Its Of$= IWAW mq*u ioa bft pylum in la of alt am wa nd by " &M dfJ fmbw*ut witteoat lbrMlteit dabnd "Ca tray foreclow "S*Mrw bubtlb"A by ja&jcial loQeOffing. LwAft aboll be enOW to 002td98 CXPERM #marred Sa pa pidg an crooKlet VwddW in f & WAM A indpud N& bat not bwdW ta, attornty9' attd eoob of tilde evldttatt to dta extent jutisW by AWAmbte Uw. 23. ]Rekxm Ulm paYmt of an smw st:oarad b3' tlds Seaudty s, Y t and tlta towwAd std a$ bwom void. Af't-r march oft, t wdrs Avu aimbap and sdfsts� alb 3w2e p . bmwomal Bwwow *41 ICY UT rovolddo costs. Leddrt fW dtargv 3k=ww S Sec fox rosettising we smmity j ba 017' if the tzo is paid w a diird pasty for mrritxa [CmI atd attd the cbsj f L , g& of &a fetto peoc imd node App mblbl aw �yy� vPaiveS and rCIC3S@S NY atrnr of U wairarz. l�OMWI24 w Rte "em ger6%cd by A ft batt of arty ps to t ib pme+eags to et *Nv Ibis &01* �6 $a I moy vRives 4mttl�ct dory m g VW and fau to laws PVYm Ytg ft stay Of eseobmm awlmfm 4! sloe. exmpiicn beamtt W =ftvpdm In Set im l9 sbatt amend to oue hoot' ?J xt�sptt t Peniotl. fiorratada 6ma ro ttinarata psovKfetl m this $a, ity 7natmimcur pew w ft � of bddmt at a dwiffs Wt Ot other wit ptiY&ta0t iat is ltrK ru .M ftmh sa Ugew ' 11dot�tge$e. is mW of ft debt secured by this $sanity Toasrat gpwovw to W*= title to ft Property, bin Srx:a * luMmt ac &dl be o parcbma toossy MIWDAt. w. Raft: AfW JuAgEMIL gd "ft fvs dw et hwm last payable Aw it 04m out lc eoNVA an t6a tetra or in so 60600 of tggttgaga lbredmm shall tae she rW PRY" ftom time to titaro mWw tdt Now- -"PA) pM (ML QWW) Paps SS of 17 i`aR+3139 Itol W j DOC XD � BY SIC4W40 BW"W, Dmower mppm as1d Agra" to The terms avi arvcxm" Omincd to d" SW&A b*u ocat aad is any bidet' cumted by B+awvwt!rsnd ttwrdatt vrith iL ) � - KE E �B4YiO'P4'9r �A z . MET (seal) Je Metcalf Borrower ti bL Me cal$ — Borrower (UM) paw 16 e117 FOltq 2* 9 t141 CMr &NTH OF F$1�11�''.LV� C[ ej^L DOC xA : ► COX* as.: on mik tits o`� � Qt�7 o !2-u- t t ta'F ; 20 2 -7 . bafore mc, tl�e ttadanad off, ptj ap hm to me (ac wOsftwtil�r per) ou be the pono*) wbm mmew #flare mbse6w b tlta witMa iosRf ftn zlad aftmkdgO that frelaiefiixiy ammd the same W dsompos a lkorda vooWRA Oq WyrNm Rte', 7 hemmto set my wid official rad. MY C=miwmEirea: lydi? - O'fi L, WE mo ryryNVW=Nrf MdWy PUb PFstai p�fiaar wY Cwtanf�tt���q� Adesehe�. P+enratrlvaeh Aasaam9tu►of ta"t0 BliS�_ Yctit6�tYi ; d0 haeUY Y ft dw oor=t add= of Rite wk#FhK=od McxWgea is P O. Bea 2.fil6, F tt, M 48M 1-20M Yfimess my bbd 041 =+ WY of + . J A A�eatOlMm;p,�m '6A{Pq om) CtIL (IMM Pftir 4? of 17 r-o as prat �T�c + r A DOC yI�D # #z J V S � ABLE RA RID "Olt Index - Rate ) THIS ADJ <STAF#t..E RATE RIDER to amwe its SSCO D day of AUGUST, 2007 , and is ttttQTQrWd h* wid SWI be deemed b wood and soppterm t the Mortg .treed of Trwd, or Deed to Score Debt (the "Sari* I *WmeW j of ltte same dab grsren by the under . p e "EmMwee) Is awn Bosro Wa grate to Oomatryrrride dote Loaa2S, I nc. clba AMericat's Wholesale Lender {the %envier*} of the saute date and oavaring the property descdbed in 0* S@txa v Imtt mem and iooaad at: 43 BORGN3 MILL Rid, CuLiSLS, PA 17018-8961 IP THE WTE. CONTAII+tB P€iOVISION8 ALLOWING POR CHANGES IN THE tk MWT RATE AND THE 116(IML.Y PAY3IEWT. TIFIE tid0T9 LfMI'FS THE MOUNT THE B{MOl1U'S INTEFEST KATE CAN CHAME AT ANY ONE TOE AND THE MAXOM RAItIM WRROWER MUST PAY. ADta('r ON AL. COVNXANES_ In adtrdbA to the covenants and egmemerats made In the $mdty Imkimm#, Sormw er S Landcr7etri w ooverttmit and varea as foemm ARCfL ADJUSTABLE RATE RIVER - LMR )NDEX - Skt"Family CONY • SC - ARM Rider t€1185 -CIS ES210fr�tci} P�Qe t of •23901` "ir6988$itaa0001ifi9s• DOC AD # 1- 0 i A, WrERW RATE AND 90201ILY PAYMENT CHANGt*s.S pmwes for an initial iraemd rate of 10.680 %. 71te NM. pravtdee for d mnges in we Ir"reat Mft and we mmndtly pwinwo, as fo OW$. 4, iti'["E RATE AN D MONTHLY AA1'111IIEW C"ANG (A) Ch=W Dabs Ttre hAwast rats I Vol pay May dorge on the first defy of SEPTMOER, 2012 , and on atilt clay eMy Sbdh rrtoM thereafter. Each date on vrt»ett my #ntese ►ate rxxdd a urge Is 0awd a''Ctrartgo Pete ` r* kubx 800knhV with the fffl Ch9nW OW, my Interest MOD W0 be baNd 04 An Irs#eX• TW''kdW is Ow av mge of WOW" offered rafts for air-=nth UA dd4r-dar=*mWd depaslfa In the Lor4m rnadu t rl am PLUW d In 7hs Was strW;ffiWML The MGM MOM Index tlgrre evaliebte es of ttw ttafte 45 daps bows Char" Date Is galled the Xlrmtt index." V the IMex I$ rra ! svaliaMe, The Note FiWer WA ahaow a nevi kX*X tfrst Is bait upon rWmpar*s irrTnrtrrarivo. The Note r W*r W3 ma MOM fo 1F * tNrvrca. (q Calsntli dWo of Arta go% Bskre each ChaMe DM, the NOW Holder WX calculate M new kMNV9 We by addkV SIX & ONE - FIALF PW=tW POMS) ( 6.500 9b) to dw Owent Index. Tilt} Mote i-6Dltfer will than =nd tfib r=* of aria s0 fti to tte8 nsmet ertek#trl3t of ow pW0"f e paint (0.125%). Su4W to the limb stated In Section 4(0) beraw, this rounded amount wti W my now kowe a rM unlit iho tuft Ch&VG Vie. The Note Hddsr thll Men determine the arum of ttre WV01Y paytnard aril! wand be suffi mt to repay Uw urpaid pnro*at that ! am m peMd 0 oNe at the Change bow in fun on ate mattr* dkft at VW n0w trftWt rata In twbMrttlaliy eWal I?E irisnt& The rm * of thltt calcuk6m will be the new arttW* of rw monft pw (0) Units on ln*.mA Hale Chart The trltaiact ralo t set reqund to pay it fife first ChwVe tie wM not be greabw dian 13.68 0196 or less than 10.68D a,5 t'ttc, my In#�xeet fate watt ae�►eyr be #tfxsaShd or de meased on wW ainoe Chi DaaW 4y taste than ONE & WE Pie Wkd(s) ( 1.500 %) from tie rate of Weaml I have bt�on pe tg 1Dr the preceang s« aMnIfra. My Inbatt rate wN never In greater titan 1'7.660 % or cuss there 10.680 %, (P Effooff" om of Citeatg t MY ne* intermit nde nAl bamme uffwgve on eeoh CI'ekwW ado. I wie pay the sinawd of my now w1t hly p%wm booming an the firer monthly payment date afher ifs (mange Dale unW the amour# of my mar paytn" oh s agefil cow 71J1834z {12W Psge 2 of 4 DOC IA A - �rv4Ii SV VYY• (F) f"ce Of 00n9cs Irdere8t td� and iha The N holder w10 d&bw Qr man to me a rows or any ownyes A i Y 7 be 0046 W _ amoM6 of aq monthlyt paymwt before tW effedive dW at any dmr - hkamoign r amid by kw to be given tree and also due iglu and tee Pmrw roamer of it pemon %ft VAU onsWet sty gc+eoon t may have Mgnr+g tte no" s. Ttaf!ss» CW THE iPROFWY OR A BEKSF CtAL rNTSIM tN BOFWOWM lJn ifarrn camel 1$ of ttha serums bstrurow is amended to teed as tom wa: 'iraWer o'f the Pmpedy or a gtteiicist it fit aarrvwec As used in this. SGCWn ta, - mg in fife pffl V mmm any jagopr bwaFjcW interest in the Prep V, tfhSr4n& but rho! &nHrid % ftso bwe0cjql brkeresfa transferred in a band for dead, cantr= W deed, fr re"R Reiss =*ad or escrow agre meM the dtwent of which is dw trt iOsr of We by Borrowr at a f0m dlfte W 8 pgmphsser. tt tr9 nr airy Part of life prop" of WV bterest h the Property Is sold or 0=ferred (or S a som"r is rest a r aMW pwwo ared g banaiciM interest IN 8nrmw$r i8 sold or trastatenvm mahout LmWs prior wrWn corwWg Lender may require irra "dv- ba payment In 4all of ai SMS se=mdr by d* %qMft kWJMrrre<jt. i-toarever, thb apoont shah rot be ra w&ed by Lender ff 4wh exercise is pr hMid by AM i 9w- t_ander atsa Shall not exercise thi oftt n ff: (s) t3crrow causes to be strtsrrdttad the Lender inrommlbn rgwkw by Lender to mmksoba tits mounded transfeme a$ U. a new fawn Visas berg made to the traslerse; wd (b) Umdar roma aabty dele� that t mete s Security► M not be trrrpaked by the loan assurnpffbn and %at ft dsk of a broad► of any wvenam of agreement in this sewdty tnstrf anent ia acoepfabts to Lender. a resort a fie as a 7a die Wcterrt WanWd by AppftWa Low. Lancet MY Ch'RW condWon tQ Lwxiets corraertt W the ktan 2SOAVOm Lender my also require the trand` oree to sign an as8urrvwn dwes that is wcwtatite to Fender WA that obruawt fire transferes to t*W ali Vile PMWPS= and agmuwft made in ft Nate srrd in this geourity tnatwMar t. Bprrowwr WAf ads to be obligates tinder Qee Mote 8nd this 9bwft ln!&bw erit Uniess Lender rebaeea Borrower in wtUirrg. if vender exerCbE8 the option to ro*ra inuaeft& paymert in loft, Lender Shea give t3orrawsr tw&e ed auceWMWn.'The notice d aD pMvi& a iarfo0 of W less dtan 30 d80 ftm fife ftW itfs w ti m is &M in accaidr= w1 h Section 15 wNgn which 5wMwer MuBt pay an a" aamgW by this SOMM ff 8ww"r faits to PaX these sums polar to the won of this period, Lertder maY lrtvoke MY rwkediers peftn tted by M SKWHy IrM& anent WMVA Lurk r0fim or doraw d on Borrw'ex Ct)W a BQ - ARM M0er lr 3 014 1U193-i�s PAS) sW Doc m #: a eY S!G ING BELOW, Bocrowor accepts mW agrees to Me WM9 Wtd C�.cuAm canal Q wi lzaa AOwtabte RAG@ R (S9�} aRAZD L I&ME - Rprciovvet 6 4 31 STIN g M. NETC11ZF " - Bocrcwwc' {Saga sormwer _ fSea7 (seal) Sarald L 2AeLe If — Borrawer cow (seal j •�C Ai� #�kier st Metta�f — Bax`ycawez i t)1as t16 �i?}!!5} Rya 4 at $r$n� #: 0049182 2 J CW Pte, 3RD PL04it VATS J sRr cso, 14Y 11753 CAOE • Phone : {516} 733 - +6000 000 ID#. sr Fax Na. 2 BOAROWER6 4EPA J L. MgTMP MOPERTY ADDRESS; 43 WI tGNIRS ALL R o CARLISLE, PA 17025 -8461 LEGAL DESCRWnON KKKMI T A FKWAICOW Leal DWaOm Bchg*A IC4011 -XX ("W)C 4 "ZasBrt • 97 8e8s11 0 0 0 0 M (all .IUAXLLVLf {1 AM THAT CERTAX hw4 of land wig, improvzuents situatc in Wet PcuuAu o Towmbip, Omberlmtd Court Pa umbWAa, bounded and de=ibed in amordence with a Flan prq=cd by L=y V. NaidMagar, PX,, dotted 9tgftokber 3, 1981 and rwAnded in the Ck> of the Rcoorda of heads in auct! fw Cumberland CounIL Pwasyivauia to Pitm Book4i, Pager 45, as follam: BWBOGNCt at it point is the owwdiw of T-457 at a comet of Lot No, 5 on said Plan; ftwe along Lot No. S, Xmit 55 degmw 44 mirmto 04 9econ& Wed 353.50 feet to au ire pia; tltce Wmg lob 5, 4, 3, Z and i, South 65 degrees 46 taints 23 sccastds West 00SA6 feet to an in= pin; dMN along lands of T. L Gmb, North fit deg mes 14 minutes 47 swouds West 817,49 fleet to art caistiug stet thence along laztd,s of Nancy George, North 63 degrees 16 minutes 29 seconds Salt 701.24 foct: to an existing iron pin; thence along lauds of Namy Oeorp and lands of Allen Dairy Fm n.% Inc., South $5 degrees 40 minutes 04 seconds Past 7720.78 feat to an iron pin in the centerline of T04457; theta along the cemtdxue of T457, Soia 60 degrees 04 mw%ws 43 serRnds West $.5,$j fed to an mean pin, in the place ofBEQINMG. E CONTAIIG40 5.341 aom and desipated as Lot No. 6 on the above mentionod Pkm * *FQR DWORMATIONAL PURPOSES ONLY ** THE irapmv=ent thereon belAS k&Own as 43 Burghers M11 Road, Carlisle, PA 17015 TAX WA 46.07 0475 -013Jf TIM AI30VB DESCRTl' ED PROPERTY WAS TAIM IN FM SIMPLS, BENG dw soma pmpecty which, by Deed dared ApW Z2, 2002, and recorded on ApW 23, 21142 amoug the Laud Records of the C:c urAy of C umberiand, CcmuaonwtraiFb of PcauaylvwiN in Libor No. 251, folio 1747, was granted and asuveyed by Michael C. G'hcvwster and Debo=h L. Clntmi w, hwband and wife tune .Jerald L. Metes and Marie W. i a1#, husband and wife. CrRMf OF RV81DTNCE WE REMY t:EIM YMT I E PRfiCM RESIDENCE I3: 43 Htup= Road Qui star Pit 1 (2&k zx&T� XetsldI..MeI� era d L. Metc$Z� Metaa f 1IORTGA% �3Rs'F"'WEEN (iYittmpprs). .hem L. Mawiraud Chrbtwo b < Mckdr AI D (bUxr ). COUsUywidu llama Lssas I e dba Ansedea's WIoIt*xte Uw6r, Its ca ors audU�►r asses as tbwr insr+ b m 2p A;fkr romd t . passe retum to: chempeake Mary Samm, Imo, I15W Cmwidv Drkv* Suite 100E Owitap Mitts, MD 21 117 File 807.1$# COMMONWEALTH OF PENNSY SS COUNTY OF C tl l t'j Ta C— je G A l'D On this, the jLA . day *f September, 2410, before me the uudemig=d individuals, pasmally appmicd rerald l, Metcalf and Chlistme M. MeteaK known to me of satisfactorily p vca to be the pm whose names are subscribed to the witt ia indenture, and who acl=wledged that they executed the same for the pw"es therein contained. IN WITNESS WHEREOF, i have heneuuto set and official seal, 1'�o F is My Commission Expims: t t� t�v+n+ �Yti CJ� f St�..°Y WANK iw�rt�s� Mtl1p/1y J. FQ-r1k NdrIYP+d0a ��"" � l7tMTtbOfland(`,pftrltyr °P!���sAu 1f,�pf3 NCI Cam. PnFW Mt .y d63Ci0HPr10t Nuiat4�g r ,U7015 ROBERT P. ZIEGLER RECORDER OF )DEEDS CUMBERLAND COUNTY i .COURTHOUSE SQUARE CARLISLE, PA 17013 - 717r240 -6370 ' Instrument Number - 201.025720 Recorded On 9/15/2010 At 0:3046 AM * Total Pages - 26 Instr meat Type -MORTGAGE IlDrroice Number - 72735 laser ID - AIR Mortgagor - METCALF, JMtA D L # Mor#gagce - MORTGAGE ELECrROMC REGISTRATIt}N SYSTEMS INC 'Cmsitomer- SHUMAKER WILLIAMS STATE MUT TAX $0.50 Certification. Page STATE JCS /A=SS TO $23.50 JUSTICE DO NOT DETACH REMMMG "MR - $53.50 RECORaER. or PXEVS This a 1s now art PARCEL CERTIFICATION $10.00 PRg P s of this legal docament. AlmmanARLE HOUSING $11-50 COUN" ARCHIVES PER $2.00 R013 ARCHIVES FEE $3-00 TOTAL PAID $104.00 I Certify this to be recorded in Cumberland County PA RECORDER ODrIDS - 1pf9emattOn demoted by an xsiMsk may change daring the veridintioa proem tad imay not be rcitmW an this page. MY10 EXHIBIT Recording Requested By: Bank of America Prepared By: Mary Ann Bierman 888 -603 -9011 450 E. Boundary St. Chapin, SC 29036 When recorded mail to: CoreLogic 450 E. Boundary St. Attn: Release Dept. Chapin, SC 29036 l I lull l VIIIIII II VIII VIII VIII (IIII VIII VI II (II I III I Doc1D# 003J W3 Tax _ 46-07- 0475 -013.B Property Address: 43 Burgners Mill Rd Carlisle, PA 17015 -8961 Property Location: Township of PENNSBORO W - 0 sf PAO -'AM 16877653 1/182012 This space for Recorders use MIN 4: 1000157- 0008382601 -2 MERS Phone k 888 -679 -6377 ASSIGNMENT OF MORTGAGE For Value Received, the undersigned holder of a Mortgage (herein "Assignor ") whose address is 1901 E Voorhees Street, Suite C, Danville, IL 61834 does hereby grant, sell, assign, transfer and convey unto THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 whose address is 101 BARCLAY ST - 4W, NEW YORK ,NY 10286 all beneficial interest under that certain Mortgage described below together with the note(s) and obligations therein described and the money due and to become due thereon with interest and all rights accrued or to.accrue under said Mortgage. Original Lender: COUNTRYWIDE ROME LOANS, INC. DBA AMERICA'S WHOLESALE LENDER Mortgagor(s): JERALD L METCALF, AND CHRISTINE M METCALF Date of Mortgage: - 8/2/2007 Original Loan Amount: $182,750.00 Recorded in Cumberland County, PA on: 9/15/2010, book N /A, page N/A and instrument number 201025720 This Mortgage has not been assigned unless otherwise stated below: IN WITNESS WHEREOF, the undersigned has caused this Assignment of Mortgage to be executed on O MORTGAGE ELECTRONIC REGISTRATIOMSYSTEMS, INC. By: ftcWary I IIII it III . Illllllllllllliilllll 111111 lllllllllill ll II III IIIIIIIIIIIIIIIIiII IIIIIIII _II State of California County of Ventura On f (/l y before me, Violet Thomas -Hic Notary Public, personally appeared Dominique Johnson who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his/her /their authorized capacity (ies), and that by his/her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing . paragraph is true and correct. WITNESS my hand and official seal. VIOLET T OMAS -HICKS p di Commission # 820 c� <-laL 4—j a ; 1 527 Public: z • ' J Notary Public - California z Notary Violet Thomas -Nicks Seal z °� n ( Los Angeles County My Commission Expires: nntnber 2 8 , 2012 My Comm. Expires Oct 26, 2012 I hereby certify that the address of the within nam ed assignee is: 101 BARCLAY ST - 4W, NEW YORK ,NY 10286 Signature DocID# 13617669831176809 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717- 240 -6370 = ,. Instrument Number 201202612 Recorded On 1/26/2012 At 1:37:03 PM * Total Pages - 3 * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 100857 User ID - KW * Mortgagor - METCALF, JERALD L * Mortgagee - BANK OF AMERIC A N A * Customer - CORELOGIC * FEES STATE WRIT TAX $0.50 Certification Page STATE JCS /ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 j I i I Certify this to be recorded in Cumberland County PA i i of C�Me ,ct F9 o� ��/ RECORDER OF DEEDS . i 1760 I * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. I 003JW3 ' III IIIIIIIIIIII j EXHIBIT a r= Al ii. THAT GERTAW h=1 of land witia. Wnxoveroeds situate in Mast. P.euusbm j Township, Omberlamd Cotctry, Pennsylvania; bounded amd described in sacordimm with, a Pia, prepared by Larry V. Neidlinger, FZ, dated S0ptMWbCr 3, 1981 and rr.aotded in the Moe of ft Recorder ofDeeda in aad fm Cumberland County, PconWvsaia Iii Piau Boots -41, Pegs 45, as follovas: BE41ted Ne at a point is the csndiiw of T-457 at a comer of Lot No. S on said Plan; t1 mCe along Lot No. 3, North 55 degrew 40 mnnn 04 seconds Wept 353.50 'feet to an UW pia; themae akwg Lacs 5,4.3.2 SW 1, South 65 degmes 06 m6itw 23 seconds West +605.86 fea to an bran pia; ftm nlaM lands of T, L Grob, North 62 degpew iii winutiss 47 swouds West 817,48 feet to an mistlag state-, dmoe along lands of Nancy Gook, North 63 degrees 16 mimAw 29 seconds Salt 701.24 feet to an emoting imn pit; thence along lands of NamT George and lands of Allen Dairy Fatm.% lnra, South $5 di: M 40 minutes 04 seconds East 720.78 feet to an imn pin in the cM1Wliae of T0457; theno along the CmMd me of T457, Soi6 60 degees 044 Mi UMS 43 Seconds West $5.51 W to an iron pin, km the pbra of BEMMG. I CONTAMO 5.301 acm and dedpated as Lot No. 6 on the above mentioned Plana. 'OvFOR D FORMAnGNAL PURPOSES ONLY ** TBE lmprovemente tbereon belsg known as 43 Burghers Mill Road, Carlisle, PA 17015 TAX MA 4"7- 0475.013.8 THE A13OW DESCIR?1 M) PROPERTY WAS TAKEN IN RE SDAPLls. BEMG the same property 'which, by Deaf dated April 22, 2002, and =Grded on Ap7 23, 2402 a moug the Land Recgr& of #}te Courtly of Cumberland, Comanat vA a1QL of PonusylVM%ia in Libel No. 251, folio 1747, was g=Wd and aoaveyed by t►dic)ta[sl G Ckvvister and Deborah L. ChmWsw, husband and wife unto Jerald L. Metcalf and Masse W. MatwH, busbsW sad wife. .. - --� - EXHIBIT NOVEMBER 19, 2012 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage of your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to Help save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT CO UNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing 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 your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SI CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMNIEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO " HOMEOWER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE DALVAR SU CASA DE LA PERDOD DEL DERECHO A REDMIR SU HIPOTECA. HOMEOWNER'S NAME (S): Jerald Metcalf and Christine Metcalf PROPERTY ADDRESS: 43 Burgners Mill Road, Carlisle, PA 17015 LOAN ACCT NO.: ORIGINAL LENDER: Countrywide Home Loans, Inc dba America's Wholesale Lenders CURRENT LENDER/SERVICER: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU AMYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOUR MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: *IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. *IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND *IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately your intentions. APPLICATION FOR MORTGAGE ASSISTANCE — Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMP APPLICATIONAS SOONAS POSSIBLE, IF YOUHAVE A MEETING WITHA CO USELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICA TION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PRE VENTED FROM STAR TING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " _ YOUHAVE THE RIGHT TO FILE A HEMP APPLICA TION E VEN BE YOND THOSE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS E VENTUALL Y APPR 0 VED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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 requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOUARE CURRENTLYPROTECTED BY THE FILING OFA PETITIONIN - BANKR UPTCY, THE FOLLOWING PART IF THIS NOTICE IF FOR INFORMATION PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS ANA ATTEMPT TO COLLECT THE DEBT. (If yo u have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT — The MORTGAGE debt held by the above lender on your property located at: 43 Burgners Mill Road, Carlisle, PA 17015 IS SERIOUSLY IN DEFAULT because: - _..---- ---------- A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months the following amounts are now past due: Monthly Payments Due from 09/01/2011 $32,863.59 Late Charges = $990.00 NSF = $0.00 Escrow Balance = $4,801.26 Corporate Expense = $545.00 Suspense Balance= (40.00) Other charges (explain/itemize): $0.00 - Fees Waived if FULL Reinstatement: $250.00 TOTAL AMOUNT PAST DUE. $38,949.85 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 $39,199.85 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Bank of America PO Box 650070 Dallas, TX 75265 -0070 IF YOU DO NOT CURE THE DEFAULT — If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly instalhnents. If full payment of the total am_ ount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON — The mortgaged property will be sold by the Sheriff to pay off the mortgaged 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 actually 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 DEFA UL PRIOR TO THE SHERIFF'S SALE — If you have not cured the default within the THIRTY (30) DAYperiod and foreclose proceedings have begun, you will still have the right to cure the default and prevent the sale at any time up to one hour before the Sherij's Sale. You may do so by paying the total amount then past due, plus any late or 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 the 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 mortgage property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America Address: PO Box 650070, Dallas, TX 75265 -0070 Phone Number: 1- 800 - 669 -0102 Fax Number 1- 972 -526 -6235 Contact Person: General Collections Email address: DG EFFECT OF THE 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. YOU MAY ALSO HAVE THE RIGHT: *TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE 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 CALENDER YEAR) -- - -...- *TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDINGS OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS *TO ASSERT ANY OTER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER *TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) Milstead & Associates, LLC _... -.... _.I I _ - - -... This is an attempt by a debt collector to collect a debt. Any information obtained will be used for that purpose. Unless you notify this office within thirty (30) days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume that this debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt and mail you a copy of such verification. Collection agencies are regulated by federal law which grants you certain rights. One of these is right to have us cease communication with you about this debt. If you ask us in writing to cease, we will. This law is administered by the Federal Trade Commission, Division of Credit Practices, Washington, DC 20580. If you request this office in writing within thirty (30) days after receiving this notice, this office will provide you with a name and address of the original creditor, if different from the current creditor. - i - ---------­----- HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/10/2012 01:57 PM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 - 855 -2752 717 - 762 -3285 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717- 334 -1518 717- 780 -3940 800 - 342 -2397 WALZ •rM FORM f PAT. VERSION: ,. 03 1 12 ` 7196 9008 9111 6990 8857 THE FROM U.S. PAT. N0.5,501501,393 E WALZ E CERTIFIED. i To: Jerald L Metcalf MAILERT"a r r r r r r r r r r r r r r 43 Burghers Mill Road Jerald L Metcalf 43 Burghers Mill Road E Carlisle, PA 17015 Label #1 earlisle, PA 17015 E I � � ? SENDEF;tG Jerald L Metcalf z E REFERENCE3.19315 43 Burghers Mill Road a Label #2 Carlisle, PA 17015 ( w PS Form 3800 January Zoos -- ~ ( RETURN Postage _ -- - 0.44 ( RECEIPT Certified Fee -- — 2.80 t SERVICE I Return Receipt Fee 0.00 E Restricted Delivery 0.00 Milstead & Associates, LLC I Woodland Falls Corporate Park Total Postage a Fees 3.24 220 Lake Drive East E LISPS* POSTMARK OR DATE Label #3 Suite 301 I Receipt for Cherry Hill, NJ 08002 I E E Certified Maii'm E E No Insurance Coverage Provided Do Not Use for International Maif A FOLD AND TEAR THIS WAY --*- OPTIONAL f B Label #5 Label #6 PLACE STICKER AT TOP OF ENVELOPE TO THE RIGHT OF RETURN ADDRESS. FOLD AT DOTTED LINE ' Cc ° Jerald L Metcalf • C3 , 43 Burghers Mill Road CERTIFIED MAIL a a Carlisle, PA 17015 i ra a• C3 ° Charge Amount: rr 7196 9008 9111 6990.8857 • -� RETURN RECEIPT REQUESTED D' Charge m N J FOLD AND TEAR THIS WAY C IE 2. Article Number COMPLETE THIS SECTION O E If A. Received by (Please Print Clearly) B. Date of Dernrery m n fv IE C. Signature E 77 O W O IE Agent 0- H 7196 9008 9111 699b 8857 X ❑Addressee 7 _ (1) � Q D. is delivery address different from item 1? ❑Yes ,; U t L1.1 W M .. �i __ -_.. - If YES, enter delivery address below: ❑ No U O 3. Service Type CERTIFIED MAIL'm LLJ CC (Q U W ji 4. Restricted Delivery? (Exfra Fee) ❑Yes ]7 d J �, 1. Article Addressed to: [� CD u1 Q Z Reference Information CY) w 2 p IEJerald L Metcalf Cr. N a 1i4313urgners Mill Road, . 45.19315 E (D Z "N S iiCailisle, PA 17015 v CD o -� F= -�la— CG a c ¢ 0. r $ PS Form 3811, January 2005 Domestic Return Receipt J. FORM #35663 VERSIO LZ TM n: 03/12 7196 9008 9111 6990 .8826 U .S. U THE FROM S PAT. N0.5,501,393 t WALZ I CERTIFIED � rrr ��� rrr ��� rrrrrr �� r � r � r � TO: Christine M. Metcalf MAILERTm Christine M. Metcalf 43 Burgners Mill Road 43 Burgners Mill Road E Carlisle, PA 17015 Label #1 Carlisle, PA 17015 i E I Z � SENDERG Christine M. Metcalf j REFERENCE - 19315 z 43 Burgners Mill Road a Label #2 Carlisle, PA 17015 I W t PS Form 3800, January 2005 _ - - ~ j RETURN Postage 0.44 - - I RECEIPT Certified Fee 2.80 I SERVICE — _ E Return Receipt Fee 0.00 E Restricted Delivery 0.00 ' Milstead &Associates, LLC - - Woodland Falls Corporate Park Total Postage a Fees 32 4 220 Lake Drive East k USPSO POSTMARK OR DATE Label #3 Suite 301 I Cherry Hill, NJ 08002 E Receipt for Certified Mail'" I i No Insurance Coverage Provided Do Not Use for International Mail A FOLD AND TEAR THIS WAY -0- O PTIONAL E B Label #5 Label #6 nj PLACE STICKER ATTOP OF ENVELOPE TOTHE RIGHT Of RETURN ADDRESS. FOLD AT DOTTED LINE Co Christine M. Metcalf C3 , 43 Burguers Mill Road CERTIFIED MAIL a 1 ... a Carlisle, PA 17015 a a- i CID C3 Charge : X3 Amount: 7196 9008 9111 6990 8826 .� RETURN RECEIPT REQUESTED ft 6" Charge To: _ FQLD AND TEAR THIS WAY =)P, _ =_ =_ = = = _ - - - - - - - - - - -- - _ - _----------------- C I; 2. Article Number COMPLETE THIS SECTION ON DELIVERY A. Received by (Please Print Clearly) B. Date of Delivery U 3 I; 77 I ; C. Signature U) p Z I; Agent ❑ +-' O W 0 I; X [Addressee:: Q 7196 9008 9111 6990 8826 D. Is delivery address different from item 1? ❑ Yes U W O �� It YES, enter delivery address below: D No tilt W U. j? 3. Service Type CERTIFIED MAIL -w O (Q V W IT i 4. Restricted Delivery? (Extra Fee) ❑Yes y IL 1. Art icle Addressed to: CD w Q Z I Reference Information u p khristine M. Metcalf c 3 IM y a , 43 Burghers Mill Road 45.19315 Fn M Z IL _ 1Carlisle > PA 17015 0 m CG o 0 CD li E Co N F-- PS Form 3811, January 2005 Domestic Return Receipt EXH IT Department of the Treasury - Internal Revenue Servile ffiev. �n zoos " � baa (�r Notice of Felt al Tax Ilen Area: Series Number Ior 0ownol use trf Rf wars office SMALL BOSIMSS /MV HMWtOs!E'b ARMA #!x Uen tank Phone: (soo) 913 -6os4 826680111 As p wAdW by setdoua 6321, 6322 anad 6323 of tells 11011 Revam Cwk, we are *kg a notice that axes (bdadinag Intemt and peeakW) have been wed agaiat the fvRcming aoeed taxpayer. We halve blade a demand far pmmmast of tit HOMO, but k remakes w*W. T6errfa+f, Files Is a 111s a In IkM of Oka Unked States on a0 property and rights to propelrty belowSkg to thb taoWyer for the aomunt of these ta=s, and additlamd peaa(tios„ lawr+fs , and a that wary mwAe. Name of Taxpayer JERALD L MET -r 'W r4q Residence 4 3 SURMWS MILL RD C D pp CARLISLE, PA 17015 of release :the TANT RELWE 1NFORMATWN such data, : For fmch assessment listed belaw, �,. llca o f the lido i5 Audi( by the date gluon in column (a }, tNs notice snap, IT ' /' -< i ay fo operate 2r, a Cdt'tiTieatC ase as detfined I326107. Kind of Tax T Endbg tdendlyling idol A rt R s ON Alsewillem a 6 . (C) d (e) (n 6672 12/31/2009 XXX -XX� 04/04/2011 05/04/2021 4983.86 6672 03/31/2010 XXX -XX- 04/04/2011 05/01/2021 12541.06 6672 06/30/2010 XXX -XX- 09/04/2011 05/04/2021 20607.17 Place of Filing Prothonotary Cumberland CO%=ty Total $ 38132.09 Carlisle, PA 17013 This notice was prepared and signed at DETROIT, MI , on this, tho 04 day of N ovember 1 20 Signature 7�tle 1IVBNUF OFFICER 22 -06 -1411 for DREW N DBLENICK (717) 777 -9619 (MOM Cenmem Of officer Butt *ed by law m take ookrtOwlodgmart in rat a:srMiM to ft10 validity of Notice of federal Tom rmn Raw. fiul. 71-466,1971 C.B. 4081 Form "SM(c) M v_ 2 -ZOD4) P' t - beat of MEW911IN6 on" CAT. NO GOO28X 11883 QepaRment of the Tra$sury - Intbrrt$t Reversu8 SetviOe corm 66S (7!1(s) Hooke of Fedwal TaX UW iFtw. F�tKUarY xoWs Area. Serif Flumtrer For O iond Us$ by offioe SHWA RUSINES$fSEI.P St�1P3.flYS1} AR3?.A 02 826680213, r� Lien Unit ( (900) 913 -5050 As 1K'wA� by seeton 6321, 6322, asad 1 63 ad tlee !i Cadtr roe acre o a melee dM taws (hedad1D9 bateft" OW psenaMM) have been assessed aplWt tbse � t�a7ter. We han+a made a denood for ant of *k 116111W, but It rem4'Ll =0a - 7'wfcfor% "{ there ie a item h falwea of the United IMM on all t►tt4WW acrd rhOtts to rrq � �-�► ProJt t?' cif to tbW tnqWw for the atxoutrt of [base fazes, aad add hmd pmAtias, bd and costs brat Ia ny aceme. [same of Taxpayer CHRISTI M F -Co - a o� Residence 43 SURC*NFRS MILL RD CARLISLU, PA 17015 -0000, IMPORTANT RELEASE MFORMAMON! For each assessment listed b010 -, unlorm notice of the Gan is refifed by the data given in Column (e), tllfg notics shall, on the day faitowsng such date, Operate as a certificate of release as defined f� � in IRC 6825taL Tax Period bate of Last DIS far �'�Aseeectallet mad of Tex Ending Identifying Nand er A� R� s) f, W (d) {e} { 6672 12/31/2099 XXX-xk 04/04/2011 05/0912021 4983.86 6672 03/31/2010 XXX - XX - 04/04/2011 05104/2021 12541.06 6572 06/30/2010 XXX -XX -G 04/04/2011 05/04/2021 20607.17 Place of Filing Prothonotary Cumberland County Total 38132.09 Carlisle, FA 17013 This notice was prepared end signed at DETROIT, i1I , on this, the 04t:ki daY of November 2011 Signature f Pj3V91 UE OFFICER 22 -06 -1411 far DREW N DELEENICK ( 7X7) 777-9619 (Not Caroffts m of officer sud"raed by kw to take aoknowledgrnam is not essenfai 10 the vmudiry of 1% 4ieo of Fedwal Tax lion Rev. fiat. 71 -4F6, 187 - 2 C.S. 408) Fong 6"ffXr,) l tv. 2 -2004) Part It - x9pt BY iXecW* t 9111ce CAT. NO M25X Department of the TreasucV - Internal Revenue Service taay. sbruary 20441 � Nonce of Federal Tax Um Arse: Serial Number For00onai use hV AacordkV smALL B*9 nMG$ /GK.V 1WLOY1LD APML #2 Lien Unit Phone: (800) 913-6oso 7 7 70 117 11 _ As praulddd by section 6121, 6322, NW 6123 of tb* luferMl RMMMM Code, we are ghdaE a aotioe dint tearer (bukdhr lat mst held anew ies) how beat assessed aphu t the Mowhlwemsd Uxpyw . Ws baba tuade a demand for pNnmmit of tbifa Habfty but k t+drr dus wwaW Tberefae, n --q blare Is a 111pt in faviw of dw 11td W UMS 90 a property and e4 to _4 proop"V bdlopo* to thk uxpWw for the auaaavnt of *me takes, and r Me r rtF didonal pen,�ikhd, itiUMS4 Uld CM � my am aid Name of Twwayar F, AN LL ��� e'st C =In R ider a 7.513 COMMERCS AVE"�, CARLISLE, ?A 17015 - 9166 IMPORTANT RE LEASE INFORMATION: For rich assessmar)i fisted Oalow, urdess notice of the lien m Wiled by the date overt i cobirm (el, this notice shah, on the day following Such date, open to as a certiffmie of rebuse as defined /7 'r( • I IRC 6325 {a). vo D r Kind of Tax T Endlr Idau fyft Number Ass�en� t R (a) (b) (+c) (d) e ( 941 12/31/2010 3d- 4518084 03/28/201.1 04/27/2021 10779.92 Place of Filing Prothonotary Cumberland County _ Total 10779.92 Carlisle, PA 17013 This notice was prepared and signed at D TROIT, MI ^.^ on ibis the 15th day of A Pr7-I 2011 Signature �y� � R3 WM OFFICER 22 - 06 - 1418 for JAKOB PEI)ERSEN (717) 777 -9621 CHWD Carrifivate of offoor awhwind by few m for aGknowledgmem i4 not emmliai to fete vaiiofty vl Notico of F#ftnd Tax iien Rev. Rui. 71-466,1971 - 2 C.13.409) Form 6"M(r) iRw- 2 -20041 tart t - Wqm . W/ Kamftwl On ar CAT. ND 80025% 1664 THE COURTS FORM 1 THE BANK OF NEW YORK MELLON FKA IN THE COURT OF COMMON PLEAS THE BANK OF NEW YORK, AS TRUSTEE CUMBERLAND COUNTY, FOR THE CERTIFICATEHOLDERS OF PENNSYLVANIA CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12 475 Crosspoint Parkway Getzville, NY 14068, t CIVIL Plaintiff, t Vs. ' Jerald L. Metcalf a/k/a Jerald Metcalf 43 Burgners Mill Road Carlisle, PA 17015, and - Christine M. Metcalf a/k/a Christine Metcalf 43 Burgners Mill Road Carlisle, PA 17015, and THE UNITED STATES OF AMERICA c/o the U.S. Attorney for the Middle District of Pennsylvania z m r� — 228 Walnut Street, Suite 220 Harrisburg, PA 17108, ��` - °( � CD Defendants,, C PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully sub Fi ted:. � Date Patrick J. Wesner, Isquie Milstead & Associ4tes , LC 220 Lake Drive Eas , uite 301 Cherry Hill, NJ 08002 856- 482 -1400 856- 482 -9190 (f) PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER /PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default Is the loan in Bankruptcy? Yes ❑ No ❑ 45.19315 PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 1666 THE COURTS If yes, provide names, location of court, case number & attorney: Assets Arriount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2 Ed Mortgage Utilities Car Payment(s) ) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payments Cable TV Child Su ort/Alim. Spending Money Day /Child Care /Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 45.19315 2 PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes No If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use /refer this information to my lender / servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson - LeJ OFF iC," Sheriff t Gr iHt:. PRCTHO)i0i�6 : �Grq,�r Jody S smith Chief Deputy 2013 JUN 14 AM 8: 53 Richard w Stewart CUMBERLAND COATY Solicitor PENNSYLVANIA The Bank of New York Mellon Case Number vs Jerald L. Metcalf let al.) 2013-2961 SHERIFF'S RETURN OF SERVICE 05/2812013 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit United States of America, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 05/28/2013 08:06 PM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Christine Metcalf,wife of defendant, who accepted as"Adult Person in Charge"for Jerald L. Metcalf at 43 Burgners Mill Road, West Pennsboro Township, Carlisle, PA 17015. a_ �Ir�4 RONALD HOOVER, DEPUTY 05/28/2013 08:06 PM-Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Christine M Metcalfe at 43 Burgners Mille Road, West Pennsboro, Carlisle, PA 17015. RONALD HOOVER, DEPUTY 06/03/2013 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Susan Melendez,who accepted for United States of America, at 228 Walnut Street, Suite 220, Federal Building, Harrisburg, PA 17108. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST. $75.78 SO ANSWERS,��j7 June 07, 2013 RONNY R ANDERSON, SHERIFF (1©#f Lre of tE;e c l2rrrff SheeY Rohl Jack Daigan ll r i Matthew L. Owens Michael W. Rinehart sci As star Chief Derm> Dan phla Ceany 101 Markel Street Ilaol0i litru-1­`a 1 7101-1079 ph'.(717)780 6590 C. 1717)255-2889 Jack Lerwick Sheriff Commonwealth of Pennsylvania THE BANK OF NEW YORK MELLON, ET AL VS County of Dauphin UNITED STATES OF AMERICA Sheriffs Return No. 2013-T-1641 OTHER COUNTY NO. 2013-2961 And now: JUNE 3, 2013 at 9:50:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to SUSAN MELENDEZ 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at FEDERAL, BLDG, 228 WALNUT STREET, SUITE 220 HARRISBURG PA 17108 SERVED COMPLAINT IN MORTGAGE FORECLOSURE WITH LETTER. SERVED UPON ADMINISTRATIVE ASSISTANT Sworn and subscribed to So Answers, before me this 5TH day of June,2013 ? Sheriff of Dalhin County, P y a. By ,'^ ,7 COMMONWEALTH OF PENNSYLVANIA Depu Sheriff NorAR1AL SEAT. Deputy: JEFF TEETER Karen M.HoRman,Notary Publle P ry' City oruarrisba ,Dauphin Conant Sheriffs Costs: $41.255/30/2013 My Commission Exircr August 17,2014 , FORM 3 THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, as Trustee for the CERTIFICATEHOLDERS OF CWABS INC. , ASSET_BACKED : IN THE COURT OF COMMON PLEAS OF CERTIFICATES, SERIES 2007-12 : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) • vs. • In Mortgage Foreclosure • Jerald L. Metcalf -• Christine M. Metcalf 13-2961 rr1 Defendant(s) CIVIL ? a' 1 REQUEST FOR CONCILIATION CONFERENCE <c- Feb. 28 Pursuant to the Administrative Order dated - , 2012 governing the ([inaberld County Residential Mortgage Foreclosure Diversion Program,the undersigned hereby certifiejs-) as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program"and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. r-- / 7/2G/13 Signature of P efen.• is Counsel/Appointed Date Legal Representative Bret P. Shaffer , Esq. Signature of Defendant Date Signature of Defendant Date • VERIFICATION I verify that the statements made in the foregoing Request for Conciliation Conference are true and correct to the best of my knowledge, information, and belief. This verification is signed by Bret P. Shaffer, Esquire, attorney for Defendants Jerald L. Metcalf and Christine M. Metcalf and is based upon the statements provided by Defendants, as well as documents reviewed by the undersigned as attorney for Defendants. This verification will be substituted and ratified by a verification signed by Defendants, who are presently unavailable to sign said verification. I understand that false statements herein are made subject to penalties of 18 Pa.C.S. § 4904, relating to unsworn falsifications to authorities. / Bret P. Shaffer, Esquire Dated: 7/ZC /3 . CERTIFICATE OF SERVICE I hereby certify that on July 26, 2013, I, Bret P. Shaffer, Esquire of Baric Scherer LLC, did serve a copy of the foregoing Request for Conciliation Conference, by first class U.S. mail, postage prepaid, to the parties listed below, as follows: Patrick J. Wesner, Esquire Milstead& Associates, LLC 220 Lake Drive East, Suite 301 Cherry Hill,NJ 08002 Attorney for the Bank of New York Mellon ret P. Shaffer, Esquire a THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series 2007-12, Plaintiff VS. CIVIL ACTION NO. 13-2961 CIVIL JERALD L. METCALF and CHRISTINE M. METCALF, Defendants: CASE MANAGEMENT ORDER AND NOW,this 06 day of July, 2013,the parties having agreed to a conciliation conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in a court-supervised conciliation Conference on a0 020i3, at 16',?C 0. M. in Chambers No. 4 at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2)which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court,the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendantiborrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference,the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT, Kevin . Hess, P.J. (Patrick J. Wesner, Esquire ; v ''Y Milstead&Associates LLC -�,... 220 Lake Drive East, Suite 301 1, Cherry Hill,NJ 08002 , r--° For the Plaintiff ,�,�A� 2X: V/ Bret P. Shaffer, Esquire --4z : 19 West South Street Carlisle, PA 17013 For the Defendants :rlm THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series 2007-12, Plaintiff vs. CIVIL ACTION NO. 13-2961 CIVIL JERALD L. METCALF and CHRISTINE M. METCALF, Defendants ORDER AND NOW,;this _?a ' day of August, 2013, at the request of counsel, the conciliation conference set for September 20, 2013, at 10:30 a.m., is rescheduled for September 20, 2013, at 2:00 p.m. in Chambers of the undersigned. BY THE COURT, Kevin Hess, P. J. ath an Wolf, Esquire 10 West High Street 7 Carlisle,PA 17013, For the Plaintiff �Bret P. Shaffer, Esquire 19 West South Street i'; Carlisle,PA 17013 rn rn For the Defendants; = r C� -or"I C.3 C:D C-) R C 30- THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series c_ 2007-12, g E ' Plaintiff r M �rS vs. CIVIL ACTION ,,,r- vs. , -<�' o �Z) , NO. 13-2961 CIVIL � 2P JERALD L. METCALF and CHRISTINE M. METCALF, Defendants IN RE: CONCILIATION CONFERENCE Present at a conciliation conference held September 20, 2013,were Nathan Wolf, Esquire, local counsel for the plaintiff, and Bret Shaffer,Esquire, attorney for the defendants. A few documents remain outstanding for the purpose of the bank's review. Those documents will be forthcoming within fourteen(14) days. A continued conciliation conference is set by order of even date herewith. ORDER AND NOW, this 'Zo - day of September, 2013, continued conciliation conference is set for Thursday,November 14,2013, at 2:00 p.m., in Chambers of the undersigned. BY THE COURT, /� Kevin . Hess, P. J. ✓ Nathan Wolf,Esquire For the Plaintiff ret Shaffer, Esquire For the Defendants THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series 2007-12, Plaintiff r^, c ; -O3 c..> VS. CIVIL ACTION rnCO x+m ca '�- � NO. 13-2961 CIVIL JERALD L. METCALF and so+• CHRISTINE M. METCALF, =C:) - Defendants C: ` C-1 CD IN RE: CONCILIATION CONFERENCE Present at a conciliation conference held November 20,2013,were Nathan Wolf, Esquire, local counsel for the plaintiff, and Bret Shaffer, Esquire, attorney for the defendants. The homeowners are currently making payments pursuant to a loan modification. There was an agreement that the conciliation conference be continued. ORDER AND NOW,this /Y t day of November,2013, continued conciliation conference is set for Friday, February 21, 2014, at 1:30 p.m., in Chambers of the undersigned. BY THE COURT, i% /04 Kevi . Hess, P. J. � Nathan Wolf, Esquire For the Plaintiff ret Shaffer, Esquire For the Defendants THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series 2007-12, Plaintiff VS. CIVIL ACTION NO. 13-2961 CIVIL JERALD L. METCALF and CHRISTINE M. METCALF, Defendants IN RE: CONCILIATION CONFERENCE ORDER AND NOW, this z` day of January, 2014, continued conciliation conference set for February 21, 2014, is continued to Wednesday, February 26, 2014, at 1:30 p.m., in Chambers of the undersigned. BY THE COURT, Kevi . Hess, P. J. ✓ Nathan Wolf, Esquire Fo the Plaintiff Bret Shaffer, Esquire For the Defendants • << r t- -'� CA> THE BANK OF NEW YORK IN THE COURT OF COMMON PLEAS OF MELLON f/k/a THE BANK OF CUMBERLAND COUNTY, PENNSYLVANIA NEW YORK, as Trustee for the Certificateholders of CWABS Inc., Asset-Backed Certificates, Series 2007-12, Plaintiff VS. CIVIL ACTION NO. 13-2961 CIVIL JERALD L. METCALF and CHRISTINE M. METCALF, Defendants IN RE: CONCILIATION CONFERENCE ORDER AND NOW, this 2 S' day of February, 2014, following conciliation conference, it appearing that the homeowner has entered into a loan modification agreement, this matter is removed from the Cumberland County Mortgage Foreclosure Diversion Program and the stay entered in this case'is LIFTED. BY THE COURT, �. 44cl-e' Ke:��ess, P. J. ./ Nathan Wolf, Esquire For the Plaintiff Bret Shaffer, Esquire c_ For the Defendants - :rlm =;�u tnr- N > ,.J C3 )> c co MILSTEAD & ASSOCIATES, LLC BY: Patrick J. Wesner, Esquire ID No. 203145 1 E. Stow Road Marlton, NJ 08053 (856) 482 -1400 'APR ..9 Erb( Attorney for Plaintiff 45.19315 THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET - BACKED CERTIFICATES, SERIES 2007 -12, Plaintiff, Vs. Jerald L. Metcalf a/k/a Jerald Metcalf, and Christine M. Metcalf a /k/a Christine Metcalf, and THE UNITED STATES OF AMERICA do the U.S. Attorney for the Middle District of Pennslyvania, Defendant(s). COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 13 -2961 Civil Praecipe to Dismiss the Mortgage Foreclosure Action without Prejudice TO THE PROTHONOTARY: Kindly dismiss the above captioned Mortgage Foreclosure Complaint without Prejudice. MILSTEAD &- SSOCIr E., LLC Pa ricirj7Wes. quire Attorney ID No. 203 , 45