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HomeMy WebLinkAbout14-4440 Supreme Court.-0.f Pennsylvania Co in^ Com Pleas et Gs: rr#11rvGt?3"zFseal -_: - e. 5 .. CoBl1t3' ii+r•}.`!,, a'rmoi: .I':::':is Ae infor7nalion collected on this fmv,is used solely for court administratior,pru;posns. This form does not ,snpplanew or•replace rhefilhrg and service ofplecdings or afher papers as ix quired by Ias;;or of coapt lit Commencement of Action: ®Catnplaint ❑Writ of Summons ❑Petition E =:uta u;;,,„ ,;gin:_ ❑ Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiff's Name: Lead Defendant's Name: Bank of New York Mellon,fWa Bank of New Alan J.McCulley,et al ;FiE••• York,as Trustee,on behalf of the registered � holders of Alternative Loan Trust 2006-00 , , t . =_r Mortgage Pass-Through Certificates Series 2006- iu =.p,WN.” OC3 .o;te��rrlin `=vf=.ir'"=�r� Dollar Amount Requested:L]within areittation limits z'sfi ?�Wit;. Are money damages requested? ❑Yes ®No as rr (check one) ❑outside arbitration limits FT r e�fiiifi iirtii 3NHY Is this a Class Action Suit? ❑Yes ®No Is this an MD.I-Appeal? ❑Yes ®No Name of PlaintifVAppellant's Attorney:Robert W.Williams.Esquire ,a ': ❑Check here if you have no attorney(are.a Self-Represeuted jPo Se]Litigant) l-��a�x,•3;3 Asx:was= i Nature of the Case: Place an x,to the leg of the oR'E case categorythatmostaccurately describes yoar PRIMARY C4SE lfyou are making more than one type of claim,check the one that i14 h. you consider most important TORT(do not include Mass Tort) CONTRACT(do not include judgments) CIVIL APPEALS =t'"d ``' ❑ Intentional F;t� z ':v,_ [IBuyer Plaintiff Administrative Agencies I 4!;!E,�_<N ; ❑ Malicious Prosecution Debt Collection:Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑Debt Collection Other ❑ Board of£[ections ` Nuisance "5 s" ❑ Premises Liability © DeptofTransportation i •,'��_ t,M�' 1>! Ij: ❑ Product Liability does not include Q Statutory Appeal:Other tis�Afo_ti: rtY( ry App " ;•�,• mass tori) ❑ Employment Dispute: s �: ❑ Slander/Ltbel/Defanuhtion Discrimination rF,;-- � ❑ Other. ❑ Employment Dispute:Other ❑ Zoning Board 3'u" ❑ Other. 5'a r=x NIA.SS TORT ❑ +I Other. �= '" ❑ Asbestos 139F. 5:'Sjar. ?=:' .. ❑ Tobacco =` tR ❑ Toxic Tort—DES EaM4 PUN . ❑ Toxic Tort—Implant REAL PROPERTY AIISCELLANEOUS " F' Wit;—tra; ❑ Tonic Waste Elleameni ❑ Common law/Statutory Arbitration i ❑ Other ❑ Eminent Domam/Cmdemmation ElDeclaratory Judgment s���.�unr>. ❑ Ground Rent ❑ Mandamus ,fig ❑ LandlordlTenantDispute ❑ Non-Domestic Relations 1e•s1itia Mortgage Foreclosurc:Residential Restraining Order ft=;= °=t�v PROFESSIONAL LIABILITY __•�=�.w;;_�;�� ❑ Mortaoage Foreclosure:Commercial El Quo Waaanto iEt 'wl: ❑ Dental ❑ Partition C] Replevin L2�EI ❑ Legal ❑ ( uWetntic ❑ Other. r"3it10='t`" ❑ Medical ❑ Other t`,�-tG; i —=is- I I"}+�r!E4j� ❑ Otho Professional: -Ti"c•:�rsL'rI" t�.�J73Gi £4 i JUL 30 ` MILSTEAD&ASSOCIATES,LLC Uf _RL A , B :Robert50.Williams,Esquire P,E'q'VS Y��,�U��T 1 E. Stow Road. Marlton,N3 08053 (856) 482-1400 Attorney for Plaintiff File: 8.31602 Bank of New York Mellon,f/k/a Bank of COURT OF COMMON PLEAS New York,as Trustee,on behalf of the CUMBERLAND COUNTY registered holders of Alternative Loan Trust 2006-OC3,Mortgage Pass-Through i ` Certificates Series 2006-OC3 3815 South West Temple ��U Salt Lake City,UT 84115, No.; t Plaintiff, CIVIL ACTION MORTGAGE FORECLOSURE Vs. i i s Alan J.McCulley ' 172 Blue Jay Way Hummelstown,PA 17036, and Stephanie D.McCulley 172 Blue Jay Way Hummelstown,PA 17036, Defendants s CIS) (24-- ";m l '?C� 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, Cwnberland County Bar Association 32 S.Bedford Street Carlisle,PA 17013 717-249-3166 i ' I j i. f i ***iei-kfkk++cit*ieht*xat4e+rinTyr;F*fY�ieieciickt--.�_—:+-��atiHerirkat#**tdrkirkiirk*Ykk9rf�k*�*k#iakit-hicfitiFink3r*+tti k9rkktietinkx 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. i 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. t 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. i I i MILSTEAD&ASSOCIATES,LLC BY:Robert W.Williams,Esquire ID No.315501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff Bank of New York Mellon,f/k/a Bank of COURT OF COMMON PLEAS New Rork,as Trustee, on behalf of the CUMBERLAND COUNTY registered holders of Alternative Loan Trust 2006-OC3,Mortgage Pass-Through Certificates Series 2006-OC3 3815 South West Temple No.: Salt Lake City,UT 84115, CIVIL ACTION MORTGAGE Plaintiff, FORECLOSURE Vs. Alan J.McCulley 172 Blue Jay Way Hurnmelstown,PA 17036, ; and Stephanie D.McCulley 172 Blue Jay Way ' Humnielstown,PA 17036, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff,Bank of New York Mellon,f/k/a Bank of New York,as Trustee,on behalf of the registered holders of Alternative Loan Trust 2006-OC3,Mortgage Pass-Through Certificates Series 2006-OC3 (the"Plaintiff'),is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 3815 South West Temple,Salt.Lake City,UT 84115. 2. Defendants,Alan J.McCulley and Stephanie D.McCulley,(collectively,the "Defendants"),are adult individuals and are the real owners of the premises hereinafter described i by virtue of a Deed dated May 18,2000,recorded June 6,2000 in Deed Book 222,Page 902. The Deed is attached hereto as Exhibit"A"and made a part hereof. i� 3. Defendant Alan J.McCulley,upon information and belief resides at 172 Blue Jay Way, Hummelstown,PA 17036. Defendant Stephanie D.McCulley,upon information and.belief, resides at 172 Blue Jay Way,Hummelstown,PA 17036. j 4. On January 6,2006,inconsideration of a loan in the principal amount of.$112,700.00, Defendants Alan J.McCulley and Stephanie D.McCulley executed and delivered to American t Brokers Conduit a note(the`Note")with interest thereon at 6.125 percent per annum,payable as to the principal and interest in equal monthly installments of$575.24 commencing March 1, 2006.The Note is attached hereto as Exhibit`B"and made a part hereof 5. To secure the obligations under the Note,the Defendants executed,and delivered to Mortgage Electronic Registration Systems,Inc.,acting solely as nominee for American Brokers I Conduit a mortgage(the"Mortgage")dated January 6,2006,recorded on January 12,2006 in the Department of Records in and for the County of Cumberland under Mortgage Book 1937,Page 1692.The Mortgage is attached hereto as Exhibit"C"and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded January 3,2012 in Book,Page Instrument 201200054.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'): 9 Keefer Way,Mechanicsburg,PA 17055. A legal description of the Mortgaged Premises is attached hereto as Exhibit"E"and made a part hereof. 8. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due March 1,2011,and monthly thereafter ar6 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 ....................................$112,323.21 Accrued but Unpaid Interest from 2/1/11 to 7/25/14...................... ...$10,829.58 Total Fees .$15.38 Recoverable Balance...................................$1,993.20 Escrow Advance..........................................$8,560.69 Reasonable Attorney's Fees........................$1,650.00 TOTAL as of 07/25/2014........................$135,372.06 Plus, the following amounts accrued after July 25, 2014: Interest at the Rate of 2.625 percent per annum($8.08 per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c)of the 1983 Session of the General Assembly("Act 91")of the Commonwealth of Pennsylvania, by mailing to the Defendants at 9 Keefer Way,Mechanicsburg,PA 17055 as well as to address of residences as listed in paragraph 3 of this document on March 19,2013,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. i WHEREFORE,Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely,$135,372.06;plus the following amounts accruing after July 25,2014,to the,date of judgment: (a)interest of$8.08 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 STEAD&ASSOCIATES,LLC Date: Ro rt W.Williams,Esquire Attorney for Plaintiff i i i j VERIFICATION DOC. CONTROL OFFICen Nellie Allred ,hereby states that he/she is Al o Select Portfolio Servicing, Inc., Servicing Agent for Plaintiff,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/her 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 unsworn falsification to authorities. Nam k Nellie Allred DATE: Title: DOC. CONTROL OFFICER (J . a o'�/yG File#: 8.31602 Name: Alan J. McCulley and Stephanie D. McCulley Exhibit . A, � 12-26-'13 14.21 T-529 P0006/0071 F-609 G, T"is Deed f��-,•ajfi u f � � N Meda the 1d&day of Q 2040, v BwrwnN FINE LINE imm, INC.,a Pennsylvania corporation,of 7300 Derry Street,Harrisburg,Aaupbia County,P—tivivania,,Pony of the Fitst Part, hereinu&x designated as the GRANTOX AND ALAN J.Me+CULLEY and STEPHANIE D.McCULLEY,hairband and wlfr, of Mechaniesburg,Cumberland County,Pennaylmia,Party of.ft second Part, hereinafter designated as the GRANTEES. WITNEl3SETH,that the Omntor for and in consideration of ONE F(UNDRBD TWENTY THOUSAND SIX HUNDRED AND 001100 (5120,600:09) DOLLARS, lawful money of the United States of America,to the dsnntar in hand well and hely paid by the Grontoes,at or before the seating and delivery of these presents,the receipt whereof is hereby acknowledged and tha Grantor being therewith fully satisfied,does by these presents grant, bargain,sell and convey unto the Grantees forever. ALL THAT CERTAIN piece,paroai and lot of land situate on the east side of Keefer Way In Upper Allen Toumslhip,Cumberland County.Pennsylvania,BEING LOT NO. 19 an the Final Subdivision Ilion of Phase I-Sowmitas VM*gc,more properly known as Dowm*aI&Vi11.ge,wfitch plan is recorded in the Office of the Recorder of Dkxds in and for Cumberland County,Pennsylvania,in Plan Book 73,Page 74,being more particalady bounded and described as follows,to wit: BEGINNING at a point on the eastern dedicated right-of-way line of Keefer Way at the dividing line of Lot No.24 and Lot No,19,herein described;thence by Bald dividing line South 46 dem 27 minutes IS seoonds F.mvt,a distance of 130.00 feet to a point at lands now nr formerly Howrnaos.Iiill Assoeietes;a plan of lots known ea liowmans Hill;thence by said lands South 43 degrees 32 minutes 45 seconds West,a distance of 22,00 feet to it point at the COOK 222 P Ge 902 - 12-26-'13 14;27 T-529 P0007/0071 F-609 dividing line of Lot No.18 and Lot No.19,herein describedi thence Ery said dividing rine North 45 degrees 27 minutes 1S seoonds West,a diiati—c of 130.40 feet to a point on the eastern dedicated right-af-way line of Keefcr Way,tlietrce by said right-of-way line North 43 degrees 32 minutes 45 seconds hast,it distance of 22.00 foci to a Ivia,the place of BEGINNING. CONTAINING 2.860.00 square feet. UNDER AND 9UHa1>r'.4 C to a storm sewer easement crossing the west and east aide of said lot and all other eaminctitt end regrietlotss of record. UNDER AND 3UBJECi'to Declaration ofPruteetive Covenants,Restrictions and Conditions recorded in Miscellaneous Book 540,page 739. BEING TART OFTHE SAME PREMISES which Bowman's Village Partners, a partnership,by its deed dated January 28,1997,and rroorded February 13,1997,in the Office of the Recorder of Deeds in and for Cumberland County,Pennsylvania,in DW.Book 153,page 344,granted and cone*unto Fine Line Homes,Inc.,a Pennsylvania corporation,GRANTOR herein. HAVING THEREON erected a two-story townhouse known as 9 Keefer Way, Mcclmnicaburg,Pennsylvania 17055. TOGETHRB with all and singular the buildings,improvements,ways,woods, waters,wate=utae9,rights.liberties,privileges.hereditaments and apparboamrts to the same belonging or in anywise appertaining, and the reversion And revet'930M remainder and remainders,rents,issues and profits tlicmf,and of every part and parcel thercol=,AND ALSO all the estate,right,title,intet'ost,wm,possession,property,claim and demand whatsoever of the Grantor both in law and in equity,of,in and to the premises herein described and every part and Parcel thereof with the appurtcnattets. TO RAVE AND TO 901.0 all and singular the promises herein described together with the hereditaments and appurtenances unto the Grantees and to the Grattlecs'proper use and benefit lbrever. AND the Grantor covenants that.except as may be herein act forth,it does cAd will forever specially warrant and defend the lands and premises. hereditamonts and appurtenances hereby conveyed,against the Grantor Wd all other persons or entities lawfully claiming the samba or to claim the some or any peri thereof,by,from or under it,them or any of theta. WX 222 Pact' 903 12-26—'13 14:2- ___.. _—__ __�_r.,__ T-529 P0008/0071 F-609 In all m*rffxm heroin to any Parties,pa-3,entities or oorpomilon, the UK of any partiouisr settlor or plural or singular number to latended to fw-IWC the tpproprirte tender or number as the text of the Wtthln igeprwant may require. Wherever in this Instrument any party shall be designated of referred to by name or general references mxh daaignatiou ix intended to and shall have the same affect as if the wards"hairs,cxomt h%administmtors,paraoaai or legal representatives,suooasoors and aeoips" had been inserted after each and every such designation. IN WiTNM WHEREOF,the Grantor has hmunto set its hand and seal the day and year first above written, ATTEST: ME LAVE HOMES,INC, 1Y 1' tt71 .e P�rasident + ,(CORPORATE SEAL) COMMONWEALTH OF PFNMSYLVANIA,COUNTY OF rDn )S& SC IT REMEMBERED, that an M ty 1>� , 2000, before me the subscriber pemoaally oppemed ,y" tpl� ✓ who acknowledged hiaAetself to bs the Vice President of FINE LIME Ham", INC.. o Pennsylvania Corporation,and that being authorized to do ao as such Corporate offioer cxmtcd the foregoing instrument for the purposes therein contained on behalf of rho Corporation. WMNESS my hand and seal the day and year eforedeserilxd. +Nfi 4„yM.F Notary Public — t • BOOK 222 rack 904 12-26-'13 14:2" T-529 P0009/0071 F-609 1119REBY CERTIFY that the pcceix tc&ldcnce of the OrAftteea is: C-7 cez -0crrr Attorney for Orantor/Grnntem �:}!+�•.e,�Pennsylvania r••gn;;•pi CPmi;^rb?nd i b iht,aPftr.•f'q:q fyc•..iugi sv t,: n.wi LT 4 MEE ig ��4V�F�rIMhQQY}y.N�M(`I;�IU.GY.ri. � � ,r I '� .tr� Y,.J►f•. - L 1 N�� � �`IIF� � h• .. noon 222 fw"spy i � � I ADJUSTABLE RATE NOTE (6-Month Z.WR Index-Bate Caps) (Assumable dtwing Life of Loan) (Furst Business Day of PrecedIog Month Lookback) TMS NOTE CONTAINS PROVUJONS ALLOWING FOR CRANGES IN MY INTEREST UTE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CAGE AT ANY ONE TTME AND THE MAX•MUM RATE I MUST PAY. January 6, 2006 Wyncote Pennsylvania [Bate) [City] (Stara] 9 Keefer Way, Meobanicsburq, PA 17055 • [Prnperty Address] i 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received,I promise to pay U.S.$ 112,700.00 (this amount is oiled "ptiacipar'),plus iaterest,to the order of the Lender.The Lender is American Brokers Conduit: I will make all payments under this Note iu the form of cash,check or money order. I understand that the Lender may transfer this Note.The Lender or anyone who tales this Note by transfer and who is entitled to receive payments under OAs Note is called the"Note Holder_" ;Z. INTEREST Interest wM be charged on unpaid principal until the full amount of PrindPa1 has been paid_I will pay interest at a yearly rate of 6.125 %.The interest rate I will pay win change in accordamee with Section 4 of this Now. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default de,=-bed in Section 7(B)4$this Note. 3. PAYMENTS (A)Time and Place of Payments I will pay papal and interest by making a payment every month. I will make my monthly payment on tht first day of cacb month beginning oa March 1, 2006 I will make these paymeats every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note_Each monthly payment will be applied as of its scheduled due date and will be applied to interest before principal_If,on February 1, 2036 ,1 so owe amounts-under this No%.1 will pay those amounts in buil on that date,which is called the"Maturity Date.° I wIIl r4ake my monthly payments at PO sox 660029, Dallas, TK 75266-0029 or at a different ply if required by the Note Holder. (B)Amount of 1VIy Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S.$ $75.24 This amount may change_ (C)Monthly Payment Changes Changes in my moaWy payment will reflect changes in the unpaid principal of uiy 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 mouthly payment in accordance with Section 4 of this Note. MULTISTATE ADJUSTA)ME RATE NOW - 6-Month LIBOR Indu (Assumable during Life of Loan) girt mess Day Loolcbac4 -Sixgle Family •fxtddie Mac UMFOOM INSnUMENT (C-USN pot) axsi 0404 Farm 5.520 W04 � VWMsanow i ll��(l1 fl l llhlllli�l �l PaB,i M 4 j.;h1j� 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A)Change Dates The interest rate I will pay may change on the first day of February, 2011 ,and may cbange on that day every sixth month thereafter.Each date on which my interest rate could change is oiled a"Change Date." (B)The Index Beginning with the first Change Date, my interest rate will be based on an Index- The "Index" is the six month, London Interbank Offered Rate("Y MOR")which is the average of interbank offered rates for six-month U.S.dollar-deuorniaated deposits in the London market,as published is The TVaU Street Journal The most recent Index figure available as of the first business day of the mouth irumediately preceding the month in which the Change Date ac cws is called the"Current ladex-" If the Index is no longer available,the Note Holder will choose a new index which is based upon comparable information.The Note Holder will give me notice of this choice. (C)Calculation of Clxwps Before each Change Date,the Note Holder will calculate my new interest rate by adding Two and One Quarter percentage point(s)( 2.250 Ufa)to the Current Index.The Note Halder will then round the result of this addition to the nearest ane-eighth of one percentage point(0-1.259x).Subject to the limits stated in Section 4(D)below,this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expcctcd 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,XWe Changes The interest rate I am required to pay at the fust Change Date will not be greater than 11.125 %or less than 2.250 %, Thereafter,my interest rate will never be increased or decreased on any single Change )watt by more than One percentage points)( 1.000 9b) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than 11.125 %. (E)Effective Date of Cbmiges My new interest rate will become effective on each Change Date.I will pay the amount of my new monthly payment beginning on the fust monthly payment date after the Change Date until the amount of my trionthly payment changes again. (P)Notice of Changes The Note Holder will deliver or mad 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 to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. S. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due.A.payment of Principal only is]Frown as a "Prepayment."When I make a Prepayment,I will tell the Note Holder in writing that I arae.doing so.I may not desigaate a payment as a Prtpayment if I have not made all the monthly payments due under the None. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note.However,the Note Holder may apply my Prepayment to the accrued and unpaid interest on the prepayment amount before applying my Prepayment to reduce the principal amount of the Note.If I make a partial Prepaymeat, there will be no changes in the duo dates of my monthly payment unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my rp,orithly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 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 Holder 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 Pri ucipal, the reduction will be treated as a partial Prepayment- ronn 5 (0.315N (0m) tag2 d 4 ["iliala: 7. BORROWER-S FAILURE TO PAY AS REQUIRED (A)Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of Fifteert 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 overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B)Default If I do not pay the full amount of each monthly payment on the date it is due,I will be in default. (C)Notice of Default If I am in default,the Note Holder may send 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 atuount That date must be at least 30 days after the date on wbich the notice is mailed to me or delivered by other meals. (D)No Waiver by Note Hokhr Even if,at a unite wbeu I am in default,the Note Holder does not require me to pay immediately in full as described above,the Note Holder will still have tine right to do so if I am in default at a later time. (1~+)Payment of Note$older'$Costs and Expenses If the Nota Holder has required me to pay immediately in full as described above,the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.Those expenses include,for example,reasonable attorneys'fees. S. GMNG OF NO'T'ICES Unless applicable law requires a different method, any notice that must be given to me ander this Note will be given by delivering it or by rnailiag it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of ray different address. Any notice that must be given to the Note Balder under this Now will be given by delivering it or by trailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises trade in this Note,including tfre promise to pay the full amount owed. Any person who is a guarantor,surety or endorser of this Not=is also obligated to do these things. Any person who tabes over these obligations, including the obligations of a guarantor, surety or endorser of this Now,is also obligated to keep all of the promises made in this Note.The Note Holder may enforce its rights under this Nate against each person individually or against all of us together.This means that any one of us may be req*ed to pay all of the amounts owed under this Note- 10.WAIVERS I and any other person who has obligations under this Note vralve the rights of Preseat meat and Notice of Dishonor. "Presentment"means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Folder to give notice to other persons that amounts due have not been paid. U.UNWORN SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions.In addition to the protections given to the Note Holder under this Note,a Mortgage,heed of Trust,or Security Deed(the"Security Instrument"),dated the same date as this Note, protects the Note Holder from possible losses which might resuit if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note.Some of those conditions are described as follows: - ------ -- Form Page 3 014 i Traysfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property,including, but not limited to,those beneficial interests transferred is a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser_ If all or any part of the Property or any Interest in the Property is sold or transferred(or if 13orrower is not a natural. person and a beneEptal,interest in Borrower is sold or transferred)without Leader's prior written consent,Leader may require immediate payment is full of all slums secured by this Security Instrument. However, this option Sball,not be exercised by Lender if sucb exercise is prohibited by Applicable Law.Fender also shall not exercise this option if.(a) Borrower causes to be submitted to Lender iaformation required by Under to evahrate the intsaded transferee as if a new loan,were being made to the transferee;and (b) Lender reasonably determines that Lender's security w11I not be impaired by clue loan assumption and that time risk of a breach of any cuveaant or agreement in this Security Instrument is acceptable to Leader. To the extent permitted by Applicable Law,Leader=y charge a reasonable fee as a condition to Lender's consent to the loan assumption- Leader may also require the transferee to sign an assumption agreement that is acceptable to Leader and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument.Borrower will cvrtiaue to be obligated under the Note and this Security Inszrumeat unless Tender releases Borrower in writing. If Leader exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration.The uodoe 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 roust pay all sums secured by this Security Iostrameat-If Borrower fails to pay these sums prior to the expiration of this period,Leader may invoke any remedies permitted by this Security Instzumeut without further notice or demand on Borrower. WITNESS THE HAND(S)AND SLAUS)OF THE UNDERSIGNED_ eal (S�) (Sea) Alan J.occulley -Borrower St anie A. MCColley -Borrower -— (Seal) (Seal. -DDICOWQ' (Seal) (Seal) -Borrower Borrower PAY'iU 1HE ORDER OF (Seal) (Seal) Borrowor -Borrower WORM tiMgUtiBE B'E AMEl�ICJt�tW'OliOlt[f [Sign Original OnW RASA MORrrELIA ASST.SECRETARY DDC #:319894 AVM. t♦=0001097253 i`j.gXSN to" 1nm a Cd• Form 5520 3/04 ADDENDUM TO NOTE This addendum is made januaa 6th, 2006 and is incorporated into and deemed to amend and supplement the Adjustable Rate Note of the same date. The property covered by this addendum is described in the Security Instrument and located at: 9 Keefer Way Mecba_nicshusg, FA 17055 AMENDED PROVISIONS In addition to the provisions and agreements made in the Note, I/we further covenant and agree as follows: ADJUSTABLE INTEREST RATE AND MONTHLY PAYM ENT CHANGES Limits on Interest Rate Changes The interest rate I am;required to pay at the first Change Date will not be greater than 11.125% or less than 2.250 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than 1.000 percentage point(s) 1.o o o °lo) from the rate of interest I have been paying for the preceding six(6) months.My interest rate will never be greater than 11.125%.My interest rate will never be less than 2.250 %. UNIE ORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions.To addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed(the"Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions read as follows: Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a-:natural person and a beneficial interest in Borrower is sold or transferred) without Leader's prior written consent, Leader may require immediate payment in full of all suras secured by this Security Instrument. TWs loan is not assumable. However-, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law_ 1201 LIBOR Addendum to Note 76/ Image: 944276.prn A] ►W20WR(MLJL7)(10105) i 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 withota fut'ther notice or demand on Borrower. To the extent the provisions of this addendum conflict with the provisions of the Note, Security Instrument or Adjustable Rate Rider,this Addendum shall control. In.Witness Thereon Tru has cuted this addendum i ess January 6, 2006 G Aata BDrrower gnatvre Ala J. McCulley %d-a� . C-1 January 6, 2006 _ Date roweF Signature Stephanie DI MICu1 y 1201 LIBOR Addend= to Note nage: 994539-pgn ARM-201DR(M-ULT)(10105) i ADDENDUM TO ADJUSTABLE RATE NOTE (Prepayment) i TINS ADDENDUM is made this 6th day of .T—usry 2006.and is incorporated into and intended to form a part of an Adjustable Rate Note.dated the same date as this Addendum. 1. Section 5 of the Adjustable Rate Note is modified to provide that I have the right to make payments of principal at any time before they are due. A prepayment of all of tate unpaid principal is Mown as a"full prepayment." A prepayment of only part of the unpaid principal is known as a"partial prepayment." Except as provided below, I may make a full prepayment or a partial prepayment at any time without paying any penalty. If within the first thr'e'e (_ 3 ) year(s),I may make a partial prepayment or partial prepayments of less than twenty percent (20%) of the original principal amount in a twelve month period, I will not pay a prepayment penalty. However, if within the first th,,.� (_3) year(s), I may make a full, partial prepayment or partial prepayments of more than twenty percent (20°/s) of the original principal amount in a twelve month period, I will pay a prepayment charge in an amount equal to the payment of six (6) months advance interest on the amount prepaid which is in excess of twenty percent(20%) of the original principal amount in that twelve month period. If I make a partial prepayment equal to one or more of nay monthly payments, the due date of my next scheduled monthly payment may he advanced no more than one month. If I make a partial prepayment in any other amount, I must stilt make all subsequent monthly payments as scheduled, 2. All other provisions of the Adjustable Rate Note are unchanged by this Addendum and remain in full force and effect. NOTICE TO THE BORROWER Do not sign this Note Addendum before you read it. This Note Addendum provides for the payment of a penalty if you wish to repay the loan prior to the date provided for repayment in the Note: By signing below,Borrower accepts and agrees to the teras and covenants contained in this Note Addendum, C A an McCulley B ani- D. Mo u11ey Multi-State Ppaymeut Rider(ARM 3-05) ,A1ffK 2003P(&MT1)(0705) Image: 941375.ptn INTERTEST-ONLY ADDENDUM ADJUSTABLE MATE NOTE THIS INMnST-ONLY ADDENDUM is made this 6th day of -Tanuary 2006 ,and is incorporated into and sball be deemed to amead and sapplement the Adjustable Rate Note(the "Note")and the Mortgage,Beed of Trust,or Security Deed(the"Security Ins;trumettta')of the same date given by the undersigned O'Borrowet")to secure Borrower's Adjustable Rate Note(the"Note")to Americas: Brokers Conduit CUrldeeof the same date and covering the property describe iu tlxe Security Instrument and located at: q fifer Way, MechanicsblZrg PA 17055 11"EOPeTty Address] THIS ADUNDUM SUPERSEDES Section 3(A) and (B), Section 4(G)of the Note. None of the other provisions of the Note are changed by this addendum. 3. PAYMENTS (A) Time and place of P"eiwts I will make a payment on the first day of every month beginning 1, 2006 _ Before the Fust Principal and Interest Payment Due Date as descn'bed in Section 4 of this Note,my payment will consist only of the interest due on the unpaid principal balance of this Note.Thereafter,I will pay principal and interest by rnaldn&a payment every month as provided below. I will make my monthly payments of principal and interest beginning on the First Principal and Interest Payment Due Date as describe in Section 4 of this Note.I will make these paymetrts every month until I have paid all of the principal and Werest 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 if the payment includes both principal and interest,it will be applied to interest befom Principal.If, on February 1, 2036 , I still owe amounts under this Note,I will pay those asrimts in fall on that date,which is called the"Maturity Date." I will slake my mozrtlxlypayments at: Pp Box 660029, r�allas, Tx 75266-QQU or at a different place if required by the Note Iiokler. (B) Amount of My Initial Monthly Payments My rnorulrty payment will be in the amouzrt of U.S.$ 575.24 before the First Principal. and Interest Payment Due Date,and thereafter will be in amount sufficient to repay the principal and interest at the rate detemtii sed as described in Section 4 of this Note in substantially equal installments by the Maturity Date,The Note Holder will notify me prior to the date of change in monthly payment. 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (G) hate of First Principal and Interest Payment The date of my fi M payment consisting of both principal and interest on this Note(the"First Prxrrcipal and Interest Paynment Due Date")shall be march 1, 2016 �rzoa>,n.tagrosl ' Image! 993211.prn Page 1 of. 2 New Investor (TS) rntexest-only Addendum i BY SIGNING$ELOW,Boimwer a=pts and agrees to the terms and covenants contained in this latexes-only Addendum. I i £ (sea), ( ) an J. CCu11e Borrower axlxe p. Cul 6 ey Harrower (Seat) (seal) Borrocaex BoQowgr (Seal) (seal) Borrower RMTOWer (seal) {seaq Bonower Botmwer Gig"o>7ody] i AHM-2021A(0/o5 mage; 944368.prn Page 2 pf 2 exhibit " � � ' 12-26-'13 14;23 T-529 P0025/0071 F-609 TV Pfj 153 5 Prepared By; Dionna Butler 2 West Lafayette Street Suite 325 I Norriatown, PA 19401 (800) 336-9763 pRQ SETTLEMW SOLPON5 Return To: 116 GFUNINOW XVENUE American Bro rs Conduit vN0Q ,pA 520 ldroa low Raad M81vi11 NY 11747 5516) 9-3900 Parc,]N,,bcr: 42-29-2456-165 Premises: [Spam Ab&W TWA Lur ra Rock D"I MORTGAGE DEFDZT10NIS -- Words used in maltiple sections of this document arc defined below and odker words me dem in Seems 3,11,13,18,20 and 21.Certain rules ruing the uaW of w(nds used in this document atm also praWded in Section 16. (A)"SecwhT Inctrament" means this doomont,wbich is dated January 6, 2006 , together with all Eiders to this document. (B)"Borrower" is Alntx J. McCulley, Stephanie D. McCulley Bormwer is the mortgag3r under this Suauity JUMMOUt. (G)"MSS" is Mortgage Euctronic Registration Systems,Inc.MERRS is a separate corporation that is acting solely as a nominee for Lender add Lcgder's suebmAor$and ugp&Nfl=iu the knnrtpV* uuder thk Security histrarnot.MMS is orgamiztd and enstiug under ttu laws of I d"mre,and has an address and telephone uamber of P.O.Boa 2026,Flint Ml 48501-2M6,tel.(SM 679-HERS. L 1PENNSI'I VANU -&Wz JFemdly .Foania MsWFrft6die Mae'ttNlFQRM iL'f3'172UMMT WrM MEW t +fiAQPA) to= Fa m 3w aynr,. vx�* 9d�r,�.t�muuarnn K 1937PG 1692 12-26-'13 14:22 T-529 P0026/0071 F-609 ' I (D)"Lmttder" is American Brokers Conduit Lauder is s Corporation . orgaafzed and ealsft w Oat itte laws of State of New York leader's address is 538 Broadhollow Road, Melville, NY 11747 (I)"Note" means the promissory cola dVW by Bom wor and dated January 6, 2006 The Nobe eta m that Hbrnrvew owes Leader One Hundred Twelve Thouaand Seven Hundred and No/1.04 Donets (U.S.3 112,700.00 )plus interest.BvrYtxvrcr hes proaZked m pay this dabs is tVdw Periodic Paya mis and to pay the debt is full not later than February 1, 2036 . (P) "Property" means the property that is described below under the beading "Ttanst'e r of Rights in the Property." ' (G) "Loma' means the debt evidenced by the Note,plus iawraa4 say pmVaymont chaW and late dntV% due under the Nat-,and xU==dqe under this Sauctty Instrument,phzx loterM. (134 "3tiders" means all Riders to this Segwhy imettnmant that are emmad by BonecA . The following Riders are to be executed by Borrower[check box as lel: Adjustable itato RiderCoodamja um Rider . Swaild Hoorne Ruler Balloon Ritter S Planned Unit Development Bader Ed 1-4 Family Rider VA Radar Q niw wy payment Rider L-1 oftr(s)[welly) (1) "A,pIMmble Istw"- flee M all controlling applicable fodaral, state and local A ttitM r arians, ordinaom aid administrabivc rulers and ander;(that have fteffect of law) as well as all ele final, non-appealable luudicW opinfow. (n "Conmwtg Awns 4dian Daft,Fees,smd AmewwicntO means sell dues,fere,as em tats and mhar charges that are imfxm d on Borrower or the Property by a candumbium assodulion, homaownars assocjAiion out simdsr organ'iaatiaL (l) "Eiecttvnk funds Tmm tbr" means any transfer of funds,other than a tr &Kdon orIgIn med by check' draft,'or simllar paper iasuumeat,which fs initiated thrutgli an cle strum a termimal,telephonk instrument, aompader,or magnotcct�as to order,insmun,or authorize a finamcW iasdb&oa to debit or edit an aocoum. Such term , but is not limited to, poiaw-sale tiaaarzrs, anwmatcd telk7 marlins tYnasacdions,transfers initiated by telephone,wire bmad km,and moarnqw raearingt um uznslers. (L)_"EKmw Items"mesas ffiosc items that my down'bed In Section 3. (M)"M gmil%oeopx Procte " ineags spy cmpeasadm4 settlement,award of damq",or ptvoeedz paid by any third,party (other than insurance proceeds pale! uv*r lite c?wftvgu descnIM iu Section 5) for; (1) damage to,or destruction of,the Property;(u)comdemnatim or other taldig of ail or any part of the Ft+aperty; (ih)conveyance In!fat of Lvademnadon; of(iv)mWepmwntsdious of,or omission!;as to,the vales and/or condition of the Fropexty, (N) Wortgp Inamimm" mesas iosuramce protecting Lender against the moapayment a,or default or,the Loan. (0) "Poriudlc P"=V means the regularly scwtulexl amount duo for(0 priac iPd and interest mgdex the Note,ptwt(it)amy amounts umder Section 3 of Ads Security kefrumcat. awNw: %WPA) MM hp 1 d IR Farm 3m Im $K 1937 PG i 693 12-26-'13 14:; T-529 P0027/0071 F-609 (F) "IPPA" massa rite Rcat UAW Settlomt Pmoodum AA(12 U.&C.Soatta 26tH et eoq,)fitted its fmpk�u �$utatbn,Iiaababfoq 7C(?A C.F.R,i'att 3St!©}, thmiQtst fits amp�{ad from tams to lima, or amp i a suCaa400t 1e,�aladcn as m�alat6oa tlnt�oroaz� servo aut!(mct mat6cr.1►u vactl in this • 5caurhy Inetrumeat, "RB,SFA"sera sa sp retprats emd reatrIodbaa that ere Impoeod is regard. ons ^hziora�rsleted tavrtg>3�o ktaa" even it ttm ioaa dans mot quality as'a "may to rued tnort�gaga laau' aadar A. ' (QJ"Suctiomw hi LAered of B4nwwW massa any party that has taken title to the Property,whhdbar ar oat That party Im"Sumed Borroww s ob41tiomo ttmder the Nota and/or this Swr4 Iastruateat. TRANSFER 4F RIGHTS IN THE PROPERTY This Samrity bosavmamt==a to Leader:(1)the repaymeat of the Loan,and all ranawals,rstensiaas aad modffkmdm of the Nott, and (it) the pWwmwm of Borrowat's'covenants and agwmants yacht W Sacunity Int aad the Nato.For this pugx a, Borrvwar doss herby morwr'tlg ead wffvcy to IfSM (raldy as na mase for 1&3d= aad Loader's mars and suns) and to the s000mors and assigns of MFRS,flit follvwiug doses W prop atp located iii 4m County rrAx of Aapvrtttgg 1=j•& of Cumberland IN—of FA=n q lam; which emcntly has the address of 9 Keefer Way ls�l Mechanicsburg icteyl,Paansy)vsnia 17055 lZAP'CID el ("Property Addross"). TOGSTIMR,WITH SU ft impiovcuoseata now or herca tEr are W an tate property,ead all rA,o,.om is Fb noosand SuiWm now'yr hereafter apart of tbt propariy All replacemm's and addMoas shall also rl by this Saaui�ty ImstruzntnL All of We forcoaa�ilss rcEvrtcd to in this Sewrity b mtnancot as the ."Ble¢al thk to the interests WwOnd by in tor=atom,MGRS(as acmmte far d I or all of thoaa imited tofibs right to fartclomc and scII tb4 end to tubo any actiga s�dread biu not)irniunci tq,�8nd K�a9aling this �11>sirumeat. �R�AJ (ossa) t'w�a a sa �"Fmi*" 11dt SKI 937P'41 694 12-26-'13 14:23 T-529 P0023/0071 F-609 BORbWWER COVENAM that:Barrvwer is law ally seised of the osmto hereby eowmyed and bas the right to mortgage, grant and wavey the Propwty Rad that the Ptoperty is untmu mberod, =mpt for one mbraam of record.Borrower Warmate and WM defend pamlly the title m the property agalost all claims and demands,subjba to any eacxmibraaces of twxd. THIS SBCUAiTY BMTRUMENT comhmw wdk m eoveaants for nadooal use and non4taifiorm Covenants with limvariations by judsifiWon to constidsta a uniform wo=* Instrument oww ng real Property. LWPORM COVENANTS.Borrower and I coder coveaaat and agree as follows: 1. Payment of PdndlW, Intw"4 Rector► Item Prrpayawnt Chargaa, and Late Chargee, Bomoaver shall pay when dw the principal of,and intmest on, the debt evidenced by the Dobe and Ray prepayment cbarges cad late dmrgos due ander the Nott.Borrower shall also.pay f tads for Escrow Items pu olat to Section 3.Payments dire under the Now and this Seaarity Instrument shalt be mBde in U.S. ctwency.However,if any check or other inseument received by Londer as payment under the Nota or this Security ;pstivment is returned to Lender unpaid,Lender may mquirt that any of all admquent paymeats due under the Now and this Security Iosirumeat be made in one or more of the fo&rwiag forms,as selected by Lender.(o)crib; (b)rnonty order;(c)certified deceit,bank check, fttwumr's chock or cashier's chock, provided any such cbedc is drawn upon an insaauion whose deposits are iasured by a federal agency, insttumeeatddiq,or entity;or(d)Electronic Funds Traost'ssr. Payments are deemed received by Lender when received at the location dettigamted is the Note or at such other knstiou as may be desigpatnd by Under in accordance with the notice provisions is Section 15. Lender may return any payment or 1pardal payment if rho kpayment or penial payments are Iosuf$idcat to bring tete Lana car=L Lender may coapt any paytneat Or partial paymCnt ioUffiCkUt to bring tbS Loan M=nt, without waivar of any rights hereunder or prwjucii=to Sts ruts to refum such payment or partral Payments to the future,but Leader is not obligated to apply eerie payumuts at the titre such payments are weepted.If each Periodic Payment is applled as of its sed' dWW due dare,then Lender need not pay interest on unapplied tundfs. Leader may hold such utpappkied fiends uatil Bonvvmr tastes payment to bring the Loan current.If Borrowet does not do so within a reasonable period of tune,LeAdtr s•&H either apply sw h ftutds or return them to Ptorrowar.If not applied earlier,such funds wfil be applied to the outstanding Principal balanac under the Note ianntUURWly prior to forxiosane. No offset or Clsittt which Borrower might have, now or is tete future against Leader sbaU relieve Borrowbr from maidag paymenm due under the Note and this Secuhty Instrument or performing the o enants and uVtements.secured by this Scomity IasUumeat, 2.ApPBcuttiv u of P pymv*or Preoveda.Rvxpr as othmwise describod in this Soman 2,aU paymeahs accepted and applied by Lender shalt be appht In the follooving order of priority:(a)interest dot under the Note,(b).priacipal due nador the Now,(c)amoral&duo under Section 3.Such payments shall to applied to tach Periodic Payment in the arikar in which it became due.Any remaioiag amts shaalt be apptiod first to Into charges,second to any other amounts duo under this Smnty lustrnment,and thea to reduce the principal balance of the Now, If Lender receives a payment from Borrower for a dakiaqueat Periodic Payment which includes a sufMcot amouat to pay any Iota charge duc,the payment may be applied to the delinquent paymout and the late•chargt.If more than one Periodic Payment is wWawiing,Leader may apply any payment received from Borrower to the repayment of line periodic Nyments if,and to the Cztent that,each payment cin be paid in rmw.� t �tPl� (� Ifye 4 tL 16 ,�iya� t�t?1 12-26-'13 14:K __._._ .__..__ ......__..... _.. T-529 P0029/0071 F-609 i full.To the estent that any excess eats atter the payment Is a to the fat Payment of ono or more periodic payments,such arrear may be spelled to any late chagpos dw. Voluntary prtpaynmts shall be applied Susi to my prepayment chargee and then as dworlbed in the Nobe. Any gppliconu of payments,Inomace proceeds,or Mlownanews Praob*to.pt W*9 slue under the Note abed]not extend or postpone the duo date,or change the amount,of the Perloclic Payments. 3.Funds for.Fdcrvw It=L Borrower shall pay to Leader on On day periodic Payments are ansa Wider the Note,until the Nobe is paid in tali,a sum(the-ftnm')to provide for payment of aMMMts due for:(s) taxes and assesim..wts and other hems which can attain priority over this Sweeney Iaatrumant as alien or encumbrance on the Property;(b)Team boA payments or ground rents on the Property,if any;(c)prrmbow for any and all iaavream a gAred by Udder under Section 5;and(d)Mort&W Instance premiums,if any, or any sutras payable by Bonv= to Leader in liar of the payment of Mar4pp Immnact premiums in arxxrrdwxz with the provisions of Section 10.Ihese items ata catled"Escrow Items:"At odgW*m or at nay time daring the term of the Loan, Lender may require Chet Community Aos odatiou Deas, Fees, and Awessa=%,if any,bo escrowed by BocxowoY,sad etch duos,fees and amssments shun be an Escrow Item. BofwAu shall promptly furnish to Leader all notices of scaoants, to be paid under this Section.Borrower shat!pay Lender the Panda for Esc7ow Items unkss Leader waives Borrower's obtigstion to pay the Funds for any or all Escrow harms.Leader may waive:Borrower's ob%;atiion to pay to Lender Puads for any or eR Escrow Items at any time.Any such waiver may only be In writing.In the event of such waiver,Borrower shall pay directly,when and wbem payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,shall futnlsh to Lender remipts evidencing such payment witlyin mwA d=period as Lander may rngdm.Borrown's ObU91don. to mads such payments and to provide roc cipts shat]for all purposes be deemed to be a covenant and agreement contained in this Security Inmx m ant, as the phrase neoveaaat and sgtocmwV is used in Section 9.If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails in pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay rash amount and Borrower shall than be oblignxd under Section 9 to repay to Leader any such mmatmt,].ender may revoke tate waiver as to any or all Escrow Items at any fte,by a notice gfj n in aocordanae with Section 15 and,upon.suds revocation,Borrower shall pay to Leader Q Fudds,and in such atnaamtg,that arc then aqui under this Section 3. Lendrr may,at any time,coiled,and bold Funds In an amount(a)sufficient to permit Lender to apply the Funds at the tim mwified under RESPA, and (b) not to exceed the maxrucum amo mt a Uodar cin require under RESPA. lewder absH estimate the srnvtuat of Ponds due on the basis of current data and rcascaable estimates of eapead1wres of future Escrow Items or odwmise in aoaordncce with Applicable Law. Tle Funds shall be hold in an institution what*deposits are ias+uad by a federal agency,instrumentebty, or entity(iochrding Lender,if Ltn&x is an institution whose deposits aro so insured)or is any Federal Hama Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the titre tcxd5cd'uader RESPA. Leader shall not charge Borrower for holding and applying the Ponds, annually analyzing the e=ow abconnt, or verK*lag the 13scrow Items,unless Undet pays Borrow interest on the funds and Applicable Law permits LoWer to make.such a charge.Unkm an agm;wat is made in writing or Applicable Law rcquim interest to be paid on the Funds,Lt odor shalt not be required to pay Borrower any interest or earnings on the Funds.Borrower and Lender can aged in writing,however,tans interest sbaU be paid on the 696 12-26-'13 14:2: T•-529 P0030i0071 F-609 � j • i Funds. Loedor.shall give to Borrower,withttut dmV,an numW a 0c>:taoft of the Funds as r6olred by ! RSA+ { if them is a surplus of Funda held in escrow, as Wined under RMA, Leader shall aaowwt to Borrower for the ego w funds in acmrdanee with RBSPA.If these is a Qata ps cd'Funds field in amm.es dcfiwd under Rd3SPA,liander clad no fy Borrower as tcq dmd by RWA, and Borrower sh R pay to Deader the amount nocaassry to make up the sbottw fn socctidasce with RXSPA,•but 1n no more duan 12 raonthly payments.If there is a deffdmcy of Funds bold In escrow,as defiaod uadar RBSPA,Leader 44 ! notify Borrower M"gttfr A by RF$PA,cad Borrower shall pay to Lawler to ernount awassaty to Mabe up the defickag is accordance with RBSPA,UA in 00 Mo than 12 moutbiy payments. Upon payment in full of aH sums occur ed by this So=*iaslrumsak,I ander mall promptly refund to Borrower say Funds held by Leader. d. Ouwgea; Lia. Borrower shall pay all tazea, asses®ents, rharlp, fiats and fmpositioos attributable to the Property which can attain priority over this Security Iastrumeat;ka tbold paymau.or ground rents on the Property,if any,and Community Association Dues,Fes,and Asseu nests,if arty.To tete eit m dw these fxms are Bsctow Itcma,Botrowzr shall pay them in the mamter provided in SoW oa S. Borromr shall promptly discharge any lien which has priority over this Soc urlty Insprunvga utniess ' Borrower:(a)agrees in writing to the payment of the obligadoo secured by the lien in a manner acceptable to Lander,but only so)oag as Borrower is performing mach agreement;(b)contests the lien is goad faith 19y,or defends against euforcameat of the lion in,kgal pmm dings which in Lender's opinion operate to prevent the enforcement of the 11m while those prooxdiags am pending,but only until such praocoaW arc ooacUed; Of(c)WW"from the folder of the lice an opts OICUt Satisfadary to Lauder suhoadirtedng the lien to this Secatrity Inshvmeuut-if Lender dctemoiaes that any part of the Property is subject to a lien which can strain priority*over this Security Instrument,Lender may give Borrower a Dattke fdentiifying the Hea.within 10 days of the date out which that oodee is,given, Borrower shall satisfy the lien or fah one or-more of the actions set forth above is this Section 4. Lender may require Borrower to pay a one-*w charge for a coal estate tax verification and/or reporting service used by I.cnder in oonoecdoo with this LQan. S.PrORO p btsuurroutce.Borrower Shalt hep the impravemeots Dow crosting or Hereafter erected on the Property insured ayaiast loss by fiat,ham*inriutded within tote term "extended cavcrngr;,"and gay other hazards inctading, but not litsited to, earthquakes cad floods, for which Lander requires insurance. This insurance shall be maintained in the smaunts tOcltuHvg dmuwale levels) and for the peaods that Lender requires.What Under requires pursuant to the Preceding sentences aaa change.during the term of the yam, Thr- insurance carrier providing the issuance shall be chosen by Borrower suubj= to Ltader's night.to disapprove, Borrower's choice,. which right shall not be esti vii unseasonably. Lander may require Borrower to pay, in Connection with this inn,either:(gl)a OwUme charge fior flood zone detertohmoos, oerafkanos and tracking services;or(b) a one-time cltatw for•fiood zone do=awawo and cerda=wn servim and subaegtrent charges each time. rema ppiags or simflar ehanges occur whirb reasonably mint affect such detomhination or ccrtifigdoa_Borrower shall also be responsible for the Payment of any face imposed by the Faderai E mergon y Mat int Apacy 1n connection.with the review of any flood zona cdetenninadon resulting from an objection by Borrowtr. s� flf( 937ru' S- 7 12-26-'13 19:2,' T-529 P0031/0671 F-609 I If Bottom fails to mountain nay of the wvmvs dere W Above. Leddot ttt:y obtain ineumm crn'sragc, at Leader°a option and Bntrovm's vxpeosa. Lawlor is Bidet U* ab3Egatioa to PEKhm SAY pardc W=type or amuwA of oaverW,Thetofbra.:uch mvCtcW da cover Lewder,but mW or might trot pmW B=ower,Borrov?er's equity in the Pm} M,or the contents of the Praptrtty,spinet A"risks hazard or Batty and mI& prvvide grater or treater COYMP than, was gtavim* In affect. Borrower adMowtt dges that the c oa of the hMrancx WVCrW No obtained might sW diicaady -posed rho cost.of insuranoo that Borrower OmM taw abmined.Any ami dttbtvaed by Leader woder this Sowon 5 shall become additiono debt of Borrower tro=td by this S=aity Instrument.Those arnounts shall bear kkztd at the Now rax frons the date of disbvrsemeat and shall be payable,with such interest,upon notico from I.cadcr to Borto'wer requesting IaYmeat. Ail fnsaxa=poilc1es rocprited by Lender and reaewab of such poli a shalt be subject m Lepdar's Tot to disapprove suds policies, shall iooha& a mandand moxtgW dam, and shalt nme Lender u mortgagee and/or as an atldttis" lora payee.Lender shaft have the dOt 10 hold the polkdes sad rentswal txrtltirreates.If Leriche requires,Borrower shalt promptly give to Lamer 40 receipts of paid ptemi►zms and runewhit deuces.If Bortvwer obtains any foray of inaurzom covorap,sot otherwise.required by Lehr,for damage to,or destruction of,fico property, such poliry tubal/include a ttt sdard r4artgagc chase and shall name Lender as mortgagee and/or as an addidmal loss payee. in the event of los,Borrower 68H give prompt notice to the iosu tz carrier and Leader.Lender may mare proof of loss ff not made promptly by Borrower. Uakm Leader and Bottuwor of rwiao agent: in writing, ady iara,raece grooecds,whether or not dw underlying insurance was requited by]..ander,shall be applied to restoration or repair of the Property, If the mien or repair is economically fo sM and Lender's somwity.is not lessened.During such repair and restoration period,Leader shall bane the right to hold such insmadoe proceeds until Leader has had an opportunity to respect such Property to eom=the work has been cwmpio rxi to Leader's saddac tioa, provided that such iagxetion shall be undartaiza promptly. Lender may disburse prooemU for.the+rugs and restoration in a alogia peymwt or in a series of pmg ss payments as the work is oompletod. Unless an agreement is made in wring or Applicable Law requires intertst to be paid ou such ijjW%nCe proceeds,Leader shall not be rapiirod to pay Borrower any itttereat or enmidg8 on such proceeds.Fees for public Adjvsbm or other third parties,tehrioed by Borrower sbaH not be paid out of flit humtaace procheeds and tdlaB be the sole obligation of Borrower.If the rt*mdiaa or=P&is not economRally feasible or Leader's security would be lessened,the insurance pro=&shall be.appliad to the suras stcotrrod by this Scoaity Inshhnaent, vtod r or not then due,with tut amm,if any, paid to Borrower.Such is r'eace proceeds stroll be applied in the otdcr provided for in Section Z If Borrower abandons ft� rel gpetty,Lander ay file,negotiate anus settle any,aeaiilable bwwmuae claim and related matters.If Borrowor does not respond within 30 days to a notice from Lander that the intarance dreier has Pacrcd to settle n claim,then IA&der may negotiate and sctfl6 tba claim: 1be 30-day Peemd wap bcgid whtd the Dotice is given. in either event, or if Lauder anqumes the Ptdperty under Section 22 or otherwise,Borrower harcby assigns to Leader(a)Borrower's rifts to arty insurance proceeds in•an amount not w exceed the amounts unpaid wider the Note or this Six Wty lavmmaeut,and(b)any cruor of Borrower's rights (other thau the right to any refund of unearned premiums pais) by Borrower) wader all iasurawx poRoles covering the Property,Insofar as such rights aro applicable to the coverage of the Property.Leader may use the insurance proceeds either to repair or restore the Property or to pay mw.rotmts unpaid wider the NeRv or this Security Instremeat,whether or act thea due. 4kAA4PAI M= r,�z d,a Eben 3A9S i/01 BKt.937 ?G 1 98 12-26-'13 14:2. T-529 P0032/0071 F-609 IL Ue+tatpancy.Batrnc+ar =W,establMk and use the Pnopetty as Borrawex's prinagial malign within 60 days after the trtecutioa of this SO=*Drat wd shall continue, to ooa,Iry the propC*48 Bortawer's prtivedpai rrsldeace for at]�jsl one year atat tae date of oocupaacy, uukoas Lander othoiwkso agrees is wrWngr which aonsmt shall not be unreasonably withheld, or unless cztm sting cidst which at beyond Borrpwar's control. ?. Prtftrvatlou, Makatonar►ce surd Prntectlon of the PtoperdT; Tnspecli=L DM wer atwll not i boy;damages of kkair the may.glow the property to deterlarate or commit watts on the pmpetty. Whether or gat Borrower is r'd4ing in the property,Borrower s6a1k t2tai Wn the Property in order to prevent the Property front deteriorating or demaging in value due to its ooadWoa.Tjalm it is dOw=gaM pwwant to Section S that repair or restoration 38 not c0000mimny feadlble,Bort+ower 64 ptnmIy,rep*the Prop"if damaged tQ avoid ftuthar deterioration or damage. if kwurta= or oondcmnstion proceeda are paid in cDmmdon with damage to, or the taking of, the Property,gorrower shall be tO$pods>%p for repairing or restoring the Property only if Lender has released prooeods for such purposes. Loader may diamrse proceeds for the repairs end redoratiou in a single payment or in a wrics of prograss payments w the work is complexed. If the iusu= or condemnation promods are apt suffx,ient to repair or assize tbo pro", Borwvmr is not relieved of Borrower"s obHgWoq for the kation of such repair or renoratifld. Lauder or its spot may make reasonable enb im upon and htgwdoas of the p'ropercy. If It has reasonable cffirse,Leader may inspect the interior of the impmvcarauts on the Proper y.Lender shalt give BorrUwer aodoe at the tuna of or prhnr to sueb a,intm�it 9ution Vwifying such temmab a Do=. S.Borrower's Lotus AppHeattion.Borrower shad be in dthWt if,during the Low applicn&A process, Borrower or s¢y persons or Caudw acting at the&Motion of Botrowwer or with Borru"er,knowledge or cwnaont gave Materially false,mialeadfng, or iW=MUte infOrmatign or Btatement8 to Loader(or failed to Fravide Lender with marmal inforasetinn)in ownecbnn with the Lou.Matariak repream"bons include,but are not limited to,tepnesentatious coneeri irrg Borrower's oeoupascy of the Property as Borrower's priosapat residence. 9.Protection of Loader's Interat ha the property and RIAU Under thin Seeattlty InA rament_If (a)Borrower fez's to perform the covenants and egrecrneats eoatainrsl id 040 Svcw ity Insaumeut,(b)there is a legal proceeding that alight sigocaatly affcct Leader's interest in the ptTetty and/or rights uadcr this Semrity '"rl neat (such as a prooaadiag in banlnapt4y, probale, for coodetanadw or forfe tiro, for enforcemeat of a lion which may attain priority over this Sa aky Instnm�ent or to Cut= laws or regulations), or (e) Bortmor has abandoned the Property,then Loader may do and pay for whatever is rrasoaable or OPPMPriate to Proms Lender's iatcnest lu rho property and rights under this Security Instrument, WC"ding prolactin& and/or assesrring the value of the Property, and ee<xtrtng and/or the Property.•Lender's actions can iwJWe,but ass not limit uud to.(a)paying 4W suras&=nwl by a fim which has priority,over this Security Instrument„(b)K4-RiQg is row;and(c)paying rewowble attorneys'.fees to pMtaat its into M in the Property and/or rig"ander this Security lntztnUM4 iadWhOg its N=,d on malm�proceeding. Seatriag tho Property includes,but is not limited to,enftr the property to aW locks, replace or board up doors and windws, drain water frons pipes, amiaste buldivg or other code violations or daogerm conditions, and have uu&= larded on or off. Althmo Lender may Wm action under this Section 9,Lender dons not have to do so apo is not Under any duty or oblip4oa to do so,It is agrred that Lander ioc m no habnhy for not any or&H ac authorizCd undor ft Section 9, -A(t'A) situ' z�a�xs �N�� Fbrn 90:19 t/01 BK 1937PG 1699 I 12-26-'13 14:24 T-525 F0033/0071 F-609 I i j Any amounts disbutud by Lender under thia Section 9 trha11 Iseoo w m&s4oeal ds# of Bmvww secured by this Security Instrument These amounts iiha boar btama at flit Note rate from tare data of disbursement and shall be payable, .with arch Marc*upon noSw from Lender to Bmwnyer requesting payor If this Scarcity Ioattitment is on a kssahold,Borrower shall Comply with all the prMisfans of the lease. If Borrower aoqulres fes title to the k?topWy,the Itasehold and the fee title shall not mars unless Leader agm a to the merger iu wrWmg, 10. MoA&W ftaxomwe.If Lender required MmgpV Ineu rmee as a cooMm of making the Leap, Borm*r,r shall pay tba premiums required to mdatain the Moctgap iasmam m eaect.if,for any reason, the Mortgage Ina mce wvcrage tubed by Lender Ceases to be available float the mortgage usurer fatal ply prcwnded each mm= and Borrower was required to make aparatdy deslgnawd payments toward tare premiums for MorWW Insartt=,amvm ohne pay tlta premiums xaquirod to obtain aovuage substantially cquivalont to tho Mortgage lamraom previously in effect,at a cost o atandally equivakat to the cost to Borg of the Mortgage Iaanatice pmviously in effect,from an alternate mortgage ivatrer said by Under,If aftwdAy egavow Mortgage la=w=amnege is not available,Bortam sW Condane to pay to Leadar the amount of the separately deoggat W paymen%that were due when the iawaanoe overage ceased to be in effect.Lender will weept,uae and retain these payments as a aoAgtfundable lues reaetve is litu of Mo lavxunee.Stich Ions tewme shall be non-refundable,a� fad.the that the Lean is ultimately in full, and Loader"not be requited to pay Borrower airy interest or earthy on such loss reserve.Lender can no longer require loss resarvo payments if Mortgage Iamra=Coverage(in tree atnonnt and for the period that Lender:equina)provided by an insurer seketed by Lratdor again b000mes available,is obttriaed,and Leader tcquinx separately deMgnatated payme4ts toward the premiums for Mortgage Insu=-- If Leader required MortSW Jawranae as a ooadition of croaking the Loan and Borrower was reTured to maloe ttepamtsly deaignatad payments toward the premiums for Mort gc inswv=,Borrower shad pay the premiums require4 to tuaitttatn Mori M lasutuaoe in effect,of to provide a son-refundable lose reserve,until Lcadcr's roquiremew for.Mottgnga Iasrtraaoe ends is acoardaum with,any written s rvmmat between Borrower and Lender providing for p4 termination or ttatA terminatioa is rtqudrai by Applia8hle Law.Noticing in this Sectioa 10 d%CU BMTW ver's oblrSW=to pay interest at the rate provided is the Note. Mortg W Insurance reimburses L= t•for any entity that pu bum the Noce)for osrtaia 106.9es it may incur if Borrower does not repay the Loan as agreed.BoMMW is mot it Party to the Moore immince. Mortgage insurers evabate their total rink on all snob in=a*m tri force from rima to.tate,ami may enter into agreements with other parties fleet tin or modify their risky or rc&=losa:a.These agmements are on terms and conditions tbat are fola wtory m the mortgage insurer and tate other party(or pwtlza)to these agm=mts,These agreements may require the mortgage ittstm to make payments my emu+ of funds that tate mortgage iaauret may have available(whkh may inel funds obtained from Mortgage Isarraace Premiums). As a result of theve agreements,Lennox,say putchascr of the Nome,another;hvmr,any rc.insurer,nay other cmtity,or any aft ate of'aay of the foregoing,may give(directly or iadittctly)amounts twat derive from(or.tnight be civaracterized as)a portion of Borrower's payments far Mom Ynsttraaee,in txchup for sharing or modifying the mortgage iamrer's risks,or reducing losses.if such agreement provides that m affiliate of Leader takers a slam of the insurer's risk in ftdmnge for a share of the pmralums paid to the ium mr,t#ue arrangement is often termed"eve reinalmu=.-Further. (a) Any !each •genu win trot relent the out Benvwec Iva &pwdto pity for M-'VV haeme,or any other U"W of the 1AMIL Such its Wgi not ftwelbe the arttottatt Sorrower will owe for MoctPv lnsarance,-ad they xM taut entftk Boatvwer to any rdbud. aAseu: Ew.30M va BK 1937FO i 700 12-26-'13 14;24 T-529 P0034/0071 F-609 i (b) Anj.arid:aVw mens wM r4 alone!the dotj � has • if UT • Wj& uronci to the Moth Int WAIL G WWW the Howmiwnm Fretbeotiae Act of IM or achy ethtr kw.Then r WA my lades the right to M091 a Mtaiu dbci WW% ao rdjgFtlaAt Md abfth CMCCWM of lire Mme Iruiurru M to have the Meati W Iarert t t Mehr aw�,"Wor to retrive a�d of my MWIPF Irtsaraaee p vnlows i>bst w=WMrreed St tie titre of Mrch awn or terrobasadtus. 11. Aau*nmeat of MigXkuw*uc Few aft Fors. All Mismawecaw Proceeds are heresy assigned to And shall be paid to leader. If the Property is damaged,RXb MUaedlaanents Ptnceoda shalt be apptxod to MOoratlan ar repair of We Property, if the rcO=ulon or repair is oconomkally fid ape Lender's Navity is W IOt±R"d. Digi tg such repair and redamdon period, Loduttt shall have the right to bold such 14fisoelleneons•proceeds uWii Tender has had an opportunity to inspOct MGh Property tO ensure the work has been cornptotad to Lender`s satisfaaloe,provided that suCh mWecdon shall be tidertal=promptly.lender may pep for the repairs and restoration in a atogle'Mursemant or in a series of progress psymentg as the work is completed.Ualm an ag=mtut is made in writing or ppp9cuble Law mquires ft tarest to be.puld on such Misccllmmm Proceed$, Loader aha not be requim[to pay Borrower sup iaterest or eamiaga on sxh Wismnaneous pro=&.If the mwratiou or repair is not cconomicay feasible or L.=KkT'a WMI&y WWW be lessened,the A�rsoolteaoous Proceeds shaD be applied to the farms axwed by this Security Indcument,w Nether or not then due,with the 'excess,if any,paid to Borrower.SHWA Kia oURCeoits Pr000eds shall be applied in the otkr pmvided for fu Section 2. In the event of a toW tag,deet codon,or lose in vuWw of the property,the Muealtaneous proceeds be applied to the sums seuued by this Seew6ty Instrument,whether or not thea due,With the errors,if any,laid to Borrower. In the event-of.a partial tae n& dest u;don, or I=in vahm of the Property in which the fair market value of the Property immediately before the Partial Wdv,drat.or ions In vahm is egaal to or gmator than the amo=t of the stuns mmvd by this Swirky Im0rume4t livdpaedietely before the partial to dw dealtucxion,or loss in value,unless Borrower and Loader athervvloo agree iu wdtIG&the somas seat W by this Sotauity lasatrment shall be reduced by the amount of %0 Miacetlanears ptooeeds.rnuldpW by the following Kw;ins:(a)the total amount of the sums weaned imrnedie*before,the partial taking,deaotWogt, or loss in value divided by(b)the fair wrket value of the property immedtiartily before the partial taking, dcstruc tion,or loss in value.Any babutor;shall be paid to Bot mmr. In the even( of a partial taking,6r lou,or loss in value of the Property in which the fair market vafua of the Property immtdistpeJy tdm the partial Wert, Of 109w in value is less than the amount Of the sums secured kmnodiaWy before the partial mkiag, destrucaion, or Ions in vabfe, urians Borrower and Leader'Dth� &&=M WrWa&the Idiwaellnneous proCeeds shall be applied to the sums seaared by this Saaurity lnstwument whether Or not the suras are lhra due. If the?"PeTty b abandoned by kwtm r,or if,after notice by Leader to Borrower that.the Oppodog party(as defined is the a=senta -)offers to make an award to w tie a Waim for damngtva,Harrower fails to rospond to Loader whin 30 days after the date the ootid is given,Lender-is.authorized to collect and 3P91Y the Mi6042nn00us proceeds either to restoration or repAar of the propony or to ft stuns axsfrod by is S=4* lust—ens,whether or not thou dna "Opposing Party"duaana fba:third party that owes Borrzrwer MLAzUaaeons Procxaeds or the party against Whom$orrowtt has a tight of aedion-w regi to Misaelte ecu Prooeeds. Borrower shall be in default if any ecdon or ptoxeding,•whether civil or Qjmina4 U begun that,in Leander'a judgment,could result in Arjvitare of tbo Propertf or other material impairment of Lender's iateresi Irl the.Property or right6 Under this Saarrtty Warument.$orrowcr cam cure avc h a defmslt and,if aoodffatio, has atraured,reinstate as provided in Seqtioa 19,by causing the Ration or pmceecliag to be discufrsed with a ruling that, ire Lender's judgment, prQcludcs forfeit= of rise Property ar other material impairment cat' -aiA.(PA1 copy �`' tee w a is gar 3m9 uQl BK 1937PG 1701 12-26-'13 14;24 T-529 P0035/0071 F-609 L,ot►der's interest in the Ptoperty of rota feeder this. 7r heti intent.The prWW&of any$ward or delta for dw t u that are atbribulable to the itstpaatrr Mt of Lender's Enteteat W the Ptaparty aye hmby ttael�ed and shall be paid to Lettdor. All HawIlanoous Proceeds that ate rat appiiod to txatoeaft of top*of the Property shall bt applitd 1n the order provided for in Section.2. 12. Bwrmwr Not Rdwak P*bwrom By UWa Not a Waim. Sxtoddoo of the ti= fix payqW or modifitadon of arnortlz4bn of the mums samred by this Security IaXt moat$=led by Leader to Borrower or any Sucuanor in lawaat of Bones=stea not operate to rolaase the Habghy of Bortvwor or MY Stwaaaeora in Iatotcat of Botrawer.Leader shall not bei MqQhW to oosltmCOM P=WhW agalast arty Stmt"Mt in Iotorest of Borrower or m rdbw to e'rtend time fat peymeat or otherwise r4odify amort udw of the antra spcwW by this So=*losttumpnt by==,of any damaad made by iter oflOW Borrcrser or any Succcssats is Fntazast of Borrower. Aay Toftaum by L ar is ctt rdalag any or rruady Ududm& without limitation,x aoder's acaepts4m of paym+eatm item tbitd pew,oadd=or Sw=ssots in Wcmat of Borrawor or in smaunts lass than the aroma time due,shalt sot be a waiver of or pin AKk the exercise of any right or remedy. . 13.Joint and gastral Lability; Cc,-d&p j Sucmesasas aad Aulps Basta UL Borrower oovanaaas sad agrees haat Bonvwer's a Rations and kiohitity shad be joint end sttvaral.Hovmacr, say Borrower who oo-signs this Security Instrument but does act exearte the Note(a"co.-Oper").(a)is co-signing this Smurity Instrument only to motzg M grant and wavey fife co-Aguaf'e interest is the praMty volar be farms of this Segatity Inatm=nt;(b)is not Mmully GbHpW to pay the:sum acm-ed by flee Security lttstr=avt;pod (c) agrees that Lender and .ay other Borrmmr..can agree to aXW , modify, forbear or their any a OramodiWaos with reprd bo the teams of this Secmity IngrumeW or the NOW witbout the oo-Siper's consent. Subjoa to the provWoas of Suction 1%any Sucomaor in Intetnst of Bon wer who asaumtw Bomwet'g obligations under this ScCtrity Instrmnent In writing, and is approved by Leader, abla obtain alt of Borrowcr'm r#M and benefits Hader &a %rarity Ltstr=ent. BanewtX shalt not bo resleavA from Dorroweea obligations, and liability under this Sscanity lout uukws lender agrees to such release in wntaig.'l'ha covewwts•and agxecmcuts of ads Sccmity lw=ttmeat shall bind (excerpt as provided in Secd'Dn 20)and benefit the soac emors and asdgw of LeDder. 14. Lasa Marges. Lender may charge aatrowcr fees for setvicoa performed in mane tion with Borrower's.daill r, for the purpose of protocWg i,cnder'a utter in theand Property r3glrtfi under this Seakarity Instrument,including,but not limited to,auvrwys' fens,property laapeWnn sad valaatton fess.In regard to say athar fens,the absence of express authority in this Secuaity Instrument to duttge a specific fee to Botmwar shell not be construed 2a a prohibition on the cirargirg of such fee.Leader may not chargp foes that an expressly pmWjited by this S=mo bstrmcnt or by Applicable Law. If the Loan is subject to a law which sets tnaimum loon of u ps,and that low is finally interpmed so mat ThC Intat"t or athar doan''charges aolloctcd ok to tv colleaad in oxmvaAun with the Does=Ced the perm#tted..liuuts,thea:(a)gay saga login charge siren ba radocad by the amount oeammy to redom the charge to the W=ked limit;and (b)say SUM areatly COlkt#ed from Borrower which ex=dIed permitted}tants will be fefundad ro SOrrorvar.fender may change to make this refund by reducing the prin W oared under the Nott or by makigg a direct payment to Borrowem if a rdwd rodacxa pninc4pgI,the reduction will be treated. as a partial prepaymeut vrithout nos• prepayment Cberp (whotb,Gr or not a prepaymemt dwrge is provided for uA&r the.Note).Burrowers a0ORARace of any mxh refired medc by c uva payment to Borrower will constitute a waiver of any r%tt of action Borrower migtat haemo arising out of arch nvMha gr. M�ISAI cam§ tis a�t ii r.� F*.Mn Vol B 1937FG 1702 12-26-'13 14;2 fi-523 P0036/0071 F-609 I • I IS.Notices.All nodr.iRs given by Borrower Dr Under in CmmmA la with Ufa Security Iastmtoeot to" be id wtniag.Any not=to Boftum n In ounectim with this Seatrity lask.umom shat be deemed to heave been given to Botmm, when snarled by Bret olkati maul or wbem ach aDy dalfverad to Borrow's notice address if sent by other mmm. Nodoa to any one Borrowac shall coostim wAke to aA Ba rrmm uaku Appumble Lea' entgresaly mpim otherwise. Tbo aotw toss robed be the Property Addrm umlese Borrower lyes dtx(pmd a wbstimte notice address 1)y aotics to lender.Bottowea "p vmpdy nobly Looder of Bar>rrowar's char of addttaae.If Imft spodfks a proamdare for rcportigg Borrow or's chop of address,then Borrower sbsll only report a c bwV of oftm tht+oogh that 4*01fierd pr000dme.9'mo may be be beglven by delivering r malbtWt it by Le 's adhunder Ws Scomrity Ln=mnt at any one ram m.Any notbe m hordnunku Leader has dm4paW another eddreu by nod=to BmT wDr.Any nod=in comoctim whb.WA Sorority Instrument dM not be deemed to have bpon giveo to Lea►dar uaW schnVy rmdved by Lender.If any Dodm mqutrod by this Sectuity Imstrument b also required u0st Appliumbk Law,the Applic" Law requitement wItl caddy the correspua ft mrmvu=uatkr this Socuriry Immanent, 16.Governitrg Lawl Seve9rsd0tpl Ames of C st action.This Severity Insitwmat shall be govorndd by federal law sad the taw of the:j►ktbdkdon in wbkb this Property is kcxsted.All rigitte and obligatioae coataiaed in this Smarty Iostrumeat Am aubject to &ny mWirtmab and limhatkm of.AWkabk JAW. Applin ttbk law might expUcWy or Implicitly allow stns parties to agree by vontrsct or it might be slknt,but such afka a shall not be construed as a pn)bibddm attdw agnxmont by-coatract.In the eveat that any provision or clause of this Security Instrttmeat or the Notio eonflkm with App&tate Law,arch conflict shell bot affect other provisions of this Security Instrument of the Note which cun be pno of a without the cooilk*icg pravisioa Aa used in this Security Iadmmt= (a) words of the taas.,MUM gender " mean and include cormWodiag nemr words or words of the feminine gentler; (b)words id tie wag<tlar shall mean and inchxie then phtral and vice versa;and(e)the word'may"gives sole ditaction without any abj4ptioa to take any action. 17,hr's Copy.Borrower shall be givea om copy of the Note and of this 5ecurUy Instrument, 18. Transfer of the Properly or a BendicM Intessst in'Bofrawtsr. As used in this Section 18, "Internet io the Property'mesas any Iegal or bencfidd intctest in the Property,incbrding,but teed limited to, these benefloW interests transfestzd in a bond for deed,contract for deed,iostapment sales contract or escrow sgrtesment,the intent of which is the transfer of title by Borrower at a future:dais to a purchaser. If all Or any part of the PropmV or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a benefttdal interest In Borrower is seta or transferred)without Lender's prior written consent, Londcr may requite immodi tc payment in full of all sums stratred by..ibis Secaaily Instrtrrnent. Ho wm,Chia o dud shaU not be exetelmd by Land=if such=ercim is pmohrl"obw by A,ppikable Law. If Leader exerci=this option, Leudet shall give Borrower outs a of aocelcratioa. The not= 4aA provide a period of qot tm than 30 days from the daft tie notice is given in somidance with Sxtiou u Within which Borrower must pay alt soma securod by this Seo m*Inairctment.If B=Owtr fV&to pay these su=s prior to the expiration of Otis period, L4udor may invoke m q remedies.pennlm d by tbis So=* Instntment without futrthor notice or dmand ou Borrower. 19. Romwer's Right to Rehkdate After A Wkty. If Bcrtivweir tmesets certain conditions, Sonwrer shah hm the right to have eaforoemont of thin Security Lmmm=disoontinued at any time prior to the earliest of., (S) five days before oak of the Property pmvuant to any power of oak fined 1a this Soo-'hy Iasmhmerat,(b)rich other period as Appllucable few might specify for this wuninadan'of Botlower's right m reiasW;or(c)entry of a judgment enforcing this Security Lostnrmeat,Those conditions are that Borrower,(a.)pays Lender all sums which%=would be due under this Somirity Intzttment aW the;Note as if no.araekradm had ocamcd; (b) cures Suyy detiauit of any other eoveanauts or agme=om- (c)pays all rw a d t6 For.m" Vol ��iI937 PG 703 12-26—'13 14;2E T-529 P0037/0071 F-609 i *.speasoa incurred in aafarcing thio Smn*kWWAW4 Wu&& but act limited tq,MW=W attameyi' foes,propt}nq ins udw and val 4*m frac,and other foe:iamrted for the Pm?m of protoctkg Laadar's interest k•the Property ane•riglrta under 0*Seeudty kwumeatl am (d)tam%p*acture as Ixader may t+tsanoaab>y require to arts=that IMAWS Intanst in the Property and rights under this Security Iaauumen4 RW BOMYwec's obligation to pay rhe arcus==Md by this Secu&y fit, ftU M ione uncimpd. Lender Mq require the;Uwvm pap mwb tont Bums sad erpeam is one or more of tM foliorviag forms,as txkcbmd by Lender:(a)cx>;h;(b)money calor;(a)csertifiod'cbtpcl:.beak etassarr's check or msh{er's cbe*Ptd any vj& its drawn ttpoa en whose dapotaiN are int rid by a faderat agency, iastrtuncntallty or"by; or (d) Memoak 2tttn is Ttaader.Upon'tesa*ajerneat by Borrower.Thio i SeCWUY D ,mwnt ad oMptions rkKured. hereby itl>sD mnYatn folly•effoativo ao if tto Wockration had aowrned.However,this right to t+a9*"M shall cot apply in the case of aoocurwon ttadar Section 18. ?A.Stale of Note-, Ckmp of Loaa Servicer;Notieo of Grienzat Tito Note of a pmrsi>,l interest in the Note(together wit#this Scrushy bstrummi)can be sold ore or mar times wlthaatt pnoT retire to Borrower. A We might rdm4t in a cbaW in Ibc entity{known as the".Loan Servicer')that oolkcts Periodic Payments due under the Note and this Sec utiry Imstrumeat rad performs other mortgagp lora servk.log oblii;ations under the Non,this Security Instrument,and Applicable Law.There also might be one or none changes of the Low Serviwr unreleiod to a Sale Of the Note.If thtte is B chaW of luta Low ServiOet,Donoym wgi be given S%3tteu notux of the change which wi11 state the name end addrm of the:new Loan Servicer,the address to which payments should be made and any otter information RESPA requires in oo with a ' notice of transfer of aenidag.If the Note is sold aW them&r the Loan is Ao vi by a Loaq SeMoer other than The purchaser of the Note,the mortgage loan servicing ObSpawls to BOMY es vial remain with the Loan ServVeT or be transferred to a suaoessor Luau Servicer And ate cat amueed by the Now per teaser unless otherwise provided by the Note per Asea. Neither Borrower nor.1—der may Wm =Kn,join, or be joined to any judicsmi MUM (as eiiber ab individual litigant or the member of a class)that arises from the other party'a axions puravant to this Seaaity lnstlument or that alleges that the other party has bmu ted any Fovisloo Of,or•nay duty owed b,$zeaaon qf, this Searrity Iastrutntnt,until such Borrawcr or bender has noiifled the othor party(with such notioe given in compliance with the regtuh=eats Of Seeon 15)of such alleged breach and afforded the other party hesetp a reasonable period after the giving of sock notice to talar s5arrM&e aeon.If Appliaabla Lew prevides a tuna period which must*lapse before certain action can be taken,that tune period will be deemed to be rmonatk for Furposas of this paragraph,Tit notice of acceierahoa attd opport nit}to catrc gives to Born M pursuant to Sec dm 22 and the codec of aoxkraSon given to Borrower pursuant to Section 18 trhail be deemed,to satisfy the aotim and opporhtaity to take coffochve action previsions of this Section 20. 21. R=Lrdous Subtrtmcw. As used in this Section 21. (a) "kiamdom Subkujac g" at those subscaacxw &fineC as ioaze or Qazardaus substances, polhdants, or%Wtt a by EUV;i1 oruental Lane and the following substanoos: gasoline,Yeroseenc,artier fiaaunobic or toxk petmit um lam,toxic pe Udder and herbicides,'volatile solvents, materiels contaimag mbestos or formaldehyde. and rs&oactive dais;(b) "Environuseoml Law ans ft mederal jaws and laves of the jarj9Sctinn wbtre the Property isw lothat rtlatc 10 health, safety or auvironmental protteon; (c) "Eavimmental Ckenup" latludts any MRMM actim, remedial action,or removal aeon,as defined In Environmental Law,and(d)an"Euvirpnme&W Condition" means a coodition that can t*ttse,caatritnite to,Or otherwise tdgm an Bavhoamentsi CI=Mp' xradr. �'� t� na.:9.1 z6 Por7D13034 ]101 BKi937PG1704 12-26-'13 14:2E T-529 P0038/0071 F-609 , Borrower shat)fiat coffee or pnsmie the preeenee,osis,dlspop, r� ,a to, of moy Huardow Sulostantx�s, or tbttaetn to rniosae soy ltatAtdOtus 3tttsacne,o0 or or SIM, steal!not tie, nor Law,(b) en , alx a do, ironm s ((al ttxd is 4u ofwry orates an Bnvlranr �,os a w6dgt,dot 10 the pr�noc,v",or a avroorooW Hazsrdoua Subatmtx,mut"a caodfka that Wvemdy si ads the vvIW of dee nc P"Wing two amtcar�a sbali dvt apply to the ,tten,or oft the of atauy� Subetaoaca that ate geaeretty no-Pized it to Do[Ualp1 uaas�end to udda afmadataa4u�a.�bovsioo Of ma Property(lae#udiag,hitt not))metra to, vAd am.in oonmmtr peodam). Donow-or shall promptly glue Y.endar wdita motion of(a)any dgm,demend,la WA or pt1Glazaecdonandc endo) or of l ICY the Y A any any Eavbxm=W CondWon, Leduding but not i�rntifeda� �+ 1fxm or thrCat tekasc of Hszardsstts S1tbsuoae, and a m >3rdoua Sena wiaieJi advetarly tdieC }the vpaHre v{the�uAed °°' ore or reksaat of a i'mpmny.Tf&xmwcr lasso,or is=Q&d by iany V oua S�icb�aaor rte P r or �pdvftLWq, rat act rciaavd br udxt remomm of any actions is acconlanmus with Bnvirontne W Law. 'h "=de auy sbaS y b"all ntot my re(or i odW gavfro tel Cleanup. vbltg n an Lader foor rf NON-UNR70RM COVENANTS.Bormwer and Lenda further ooveaaat and agree as folbwa: 22.AeftlenWont, Ranedies.Le dw shat)ghv natter for R=vwerp to dimes f,oSowft Borrnwer's botch of aq envetNg or in this L (esti not prior to atfnn Under section IS Unku Litw pavvkIn ot#tarwfae).I�idat S note&art,ownr o4 among other (n)tilt defk'Ot(b)the ftctln requbw to este the dslewtt;(c)wift the dehsdt mast be cwred;pnd fd)that &am to=ft tl"ie djpptt U wq rmk to� of tit same'Wed by thfs ftp LttrWWmt,�bY� and sibs of tl�PtWaV. 1040 shalt fWaher iat�RwY wrr 4f the r*t W Fee*Lo AW swela don seal the to x*Wt in the foreclosd" p the am of n dehott or 44y otter de mn af�wer to acrrk=tioa and hmalOSWC.It the OtarM M sot am-ed as sgedW,Leadat'at tfg option 3W ret; IM b=eoWc p+t7raant to ran of an same reed tats tnatra Mt whhuwt fMttOW denursdE stet =KY ;=W=WE Y In t by,�� Under sbal be tmEidett to coifed all is pursatog flee rearedies pt+n tQ thk 22,indodirag,bat mot tinw to, &M ains'fees and coats of Wk evkkam to aw,estmt ppW1.I ted by App.)�tsk I Nw, 23. Brdnu*.Upon Payment of aII sus aocaaed by this Seaarlty btstauneat,thist 82d*CcstWz cwvtYcd shall terman inate d became void.After such oc cumaao,Leader s . sandy d& cat.Bot[gwer Shan pay any reoot*dm c's.14wrr may chap Dor wei a fee for rekasing�evalty hAn'Qseat,but only'f the fee is paid to a thhd party for aetvicm rendered and the charging of tea fee is permltted under Able Law. 24.Waivers.Borrowar, to the aatcat pporctsitbod by Applicable Law,waives and w4mrs spy error or defmm iq ptoeeodings to enforce thio Saaurity lastrumeat,and bereb pr wdfv" the t+eae&of any p"Mnt or future laws.pmvia v for stay of W o%extension of time,txctuption from attachmela,Icvy aW a)"and homesbrad escmpdoa. IS,ReJuNtitezoent Faiod.Borrower's tfpte to reinsb*Provided in SeWon 19 Shall extead to one hour prior to the cammaooernent of bidding at a shmif£'s 40or o&,sate Lnusnapt to this Sa ft*Insttu¢a L 2,6- Pturclum Money Mftotgpge. if any of rho debt reoured by this Secatrity lnsU moot is lent to .Borrower to a (W=tine to the Property,this So=*Instrument Wbe a pu�ase money tnnttVge. 27. tatcctst Rate Aft=Judgment,Borropmr eW=that fits iatarst rate pa entered on the Nott or in an ac6ota of trortgage foreWls=shalt be the raiz payable tune to dime eun�dek tho Note, ��iA(PA) taWii r ,4orrc F%-*309 ,vol BKI937FGi705 .......... . . ...... ... . ...... ........ .. 12-26-'13 14.2 T-529 P0039/0071 F-609 BY SIGNING BELOW,8orxovaar aca" and W= w the team x4d aavauaM oXtiacd is this +ocxurity lmku c*and is any Rider==ad by Darrarwer and worded with L Witnrsaza: (Saw Al$ J. Wecull -Bomwet t *tean.iaA. MCL`ltll� Bu[roxet ' •BOrmMrtr Bocrawar (om) -Bormwe� } -Horrpvet t ��� -Svrrawnx � � l5dtd Bam 3m VK HK 1937PG 1706 .......... 12-26-'13 14:2( T-529 P0040/0071 F-609 OOMMOP VffALTH OF FRNN5YLVANIk Cumberlandco"Sm Oa tWs,the 6th duy of January, 2006 ,befame me,Che undorsipedotftaer,persouagy appeared .plan a, Maculley, StephaAie D. McCulley i kamm to me(or sadsfactorUy proven) to tae the pcY m(s) whose name(s) Wut subscribed to the whWa instrument sd aafmowl¢dgod that he/she/they=emend the same for the proposes bmviu omm ocd- IN WITNESS VaMEOFr,I hernmato set my hand and officW seal. My .an : coo moNwEm rrt t7F PEMNsYLvM EA Bemadetai M PMM�W,Nomy Pd /cC-') Lain Pmdm Twp.,pmolln Cmmtyr Tkk of Officer My Omrniagw Edna"Wv.24.2507 Mwnber,Nnntylvsnls Asaodstlon Of ran W04 C rt<Mc aie OT Rcddtu4z 1, �a* 4�•�L ~tri ,day horthy car*that correct rrect address within--aamcd MotWpe is P.O.Bax 13916,Durham,NC 27709, Witam my Land this 6th day of J"ua t:y, 2006 Agent ae t+ ."CPA) dmcxp rW as of 16 1Prrs X" I 937PG 1707 .� 12-26-'13 14:2E T-529 P0041/0071 F-609 taued HY -- Cammonosam Land Tete imumnoe twponetbn Case No.os LaAmerl.ca -o�e;i�M Coammafth SCHEDULE A LEM DESCRIPTION ALL THAT CERTAIN PIECE, PARc.EL Am IAT OF LA'61!D SITUATE ON TW BUT SIDE OF KERPM 4'FAY IN TEEPEE, ALLat TOWNSHIP, CUMBERLAND D CMWY, PENNSYLVANIA, Bznta LOT N0. 19 ON THS FIYAL MMDTVISION PLAN OV PHASE I - BOWKWS VILLAOR, MORS PROMI,X' INOW AS BOWMAN I S VILLAGS, WHICH PLAN 16 RECORDED IN THE OFFICE OF THS RECORDER OF DMIDS IN AND FOR CUMBERLAND COL]NTY, PENNSYLVANIK, IN PLAN BOOK 73, PAp'B 74, BR%VQ MORE, PARTICULARLY BOUWDSD AM DESCRIBED AS FOLLOWS, TO 1KITs BEGMUN4 AT A POINT ON THR EASTERN DXPICA.TED RIORT-OF-NAY LINE -OP ]=PER WAY AT THE DIVIDI O LINE OF LOT NO. 20 AND IAT NO. 19, H$R1m DESCRIBED; THENCE BY SAID DIVIDING LINE SOUTH 46 Dom$ 27 M9INUTSS 15 SECONDS EAST, A DISTANCS OF 130,00 FMT TO A POINT AT LANDS NOW OR FORHMMY BOWMAN9 HILL ASSOCIATES: A PLAN OF IAT$ KMTOW M SOi?MM HILL; THENCE BY SAID LAIRDS 60= 43 DEGREE$ 32 XnMTRS 45 SEC=DS WHOT, A DISTANCE OF 22.94 FRET TO A POINT AT THE DrVIDIVa LIRE OF LOT W. 10 AND LOT No. 19, HEREIN DESCRIBED, TIONCS BY SAID DIVIDM LDM NORTH 49 PEGRERS 27 Mug=$ 15 9ECOIMS WEaT, A DISTANCE OF 130.00 FEST TO A POINT ON THE EAS$M DEDICATED RIQRT- OF-WAY LINE OF KERM WAY; TACE BY SAID RIGRT-OF-WAY LIN$ NORTH 43 DWRM '32 M4nMMS 45 SECONDS EAST, A DISTAAtCE OF 22.40 F13ST TO A POINT, THE PLACE OF BEGINMG. TAA PARCEL ID: 42-25-2456-165 ADDitM: F KBRM N'AX MECHANICSBURG, PA 17055 BEING the same premis6s whIch FINE LINE HOMES, LLC,by Germat Warranty Dead dated May 18,k000.and recmnded June 5,2000,In the Office of the Recorder of Deeds In and far the City of Meditsburg, County of Cumbmtand, Pennsylvwts, In Book 222, Pap 902, gtau'►te d and conveyed unto.ALAN J. MCCULLEY AND STEPHANIE D.MCCULLEY HUSBAND AND WIFE,In fee. Sdvadult A-Pap9 2 ComicWhw t No.06-� ��t k� sk�iao4 o►n� Srmot"SdOOL s A and B'am aftm&vW BK1937K1708 12-26-'1,l, 14:2E T-529 P0042/0071 F-6019 1-4 FA LY SER (ASSIPMent of para) THIS 1-4 FAMILY RMER is made lbds 6th day of January, 2006 , BM is io,aya,.r,,p�orated into and a*6�a�D.be dwmedyyto�&MendyAyu�d �fttt the b�tw,�yDwd of Tn�4 or S corky DOW(ft "SpautRy bWuruatt")of ft sam0 do n by Wi underdped (dw %=owet")to secure Dormwer`s Note to American Brokers Conduit (tbe "Lender")of the same dale and aoveriag the arty dese ibed m ft Sb unity lastsuuuc ut and ingested at» 9 Keefer Way, Mechanicsburg, PA 17055 . 1-4 FAhMY COVENAN CIL In addifion W thce covenants and egrecmonts made. in the Saxony Iuatrut j;u4 Borrower and Leader further eovensat and agree at fba-ms: • A.ADDITIONAL PROPMUY $IIBcT= M THE SECURITY INSTRUNIMT. In addition to the Property described in the Security In o4 the following items now or hereafter anadw in so Property to the extent they an fixtures are added to the Property description, and than also c msdmw ft Property covered by the Security Instrument, bonding Imateriais,app1mces and goods of every nature whstsoov=vow or hereafwr located In,on,or used,or irkwadmd to be used in o m oodw with ft Property, iadading„but not limited to,those for etre pu poeva of supplying or distnib,94 heating,cool* electricity, PS,wwt,sit sari Sight,fire prevention and mingrdsiriag appwvao, soca 4 and access.control apparatus, plumbing,bath talc,water heaters,water closets,flaks, ,refalgerxtors,dishwasbers,4isl"als, washers,dryers, awnings, storm windows, ss=doors, screens,blinds, Abodea, cruisists and eurtaio rale, aawhed mirnors,cabinota,ponelarg sad anacd►ed floor ouveriug,s, all of which, W&d ng rcplacaeutcnts and addidons Ibereto,shall,be deemed to be and rcmai%a part of the Property covered by the Scourity instrument. All of tho foregoing together wit#the Property d=rged in the Somnity lastraroent(or rim kasewid C$t w if the Serazrity InGnmoat is on,a lesschold)are referred to in this 1-4 Family Rider and the Security Instrument as the"Prooertv." MULTISTATE 1-4 FAMILY=1M.F-mie Mgae/Favd&Mac VNIFgRM nj=VMENT tartish UM31 0009 Pap I Of 4 We MORTGAGE FORMS-(80=-Ml NMI BK 1937PG 1709 I 12-26-'13 14;26 T-529 P0043/0071 F-609 B.USE OF PROPOWY; COMPLaMCSWrrH IAW.Bor ower tihell flclt wok,egrge W or mak a ibmp is ttlE uto of dw Properly or its miming duWF49loo, holo Wdtr has 11gCCW in wddn to tba c bwppe.Borrower shalt comply with all Iws,urtlimemees,rias end requkera'mhe of any governmntel body sM Ttesbia t*the Property. C.SUBORDINATE #..'Il 64 Except as permdlted by federal law,Botxuwa abate not slldw any Em infarim to tete Security Iastkwent as be pt rfwW sgeiwt the I'naperty withwA Lendar's pdor written petanlssion. i D.RENT LOSS INSURANCR. Bonwm shalt maiatain inamrstea sgsiost rent lose in addition to tate , other bmxsrcts for with iusurenee is rapt*W by Section S. B."BOIMOWER'S RIGHT TO RIMMTATER DOXM.Saxton 14 is deleted. F.BORROWER'S OCCUPANCY.Uak=Leader and Borrow otbmwm agree to wndmg,Soodon b concerning Borrower's oaupamcy of the'Ptopetty is dektod, G.ASSIGNMORT OF>BASES.Upon Lender's requc o after dc€enit,Borrower shall m4p to Lender all leases of fire Property and all y dq*63%&06 in aeon with leasee of•the Pmpetty.Upon the fit,Lender shall have the right to modify,rzlead of termwete tbo mmang leases and go C=Qw new leases,in Leader's sole disactfon.As used is oris panga4 b G,the ward*km"shall ams"coleasc"if tho Security tnstrumeat is on a leasehold. B.ASSIGNM NT UP RENT'S; APPOiRUMENT OF RICEMR, LMDER IN POMMION. Borrower absolutely and unoonditionally assigns and ftufm to Lander all the rents$ad revenues("RtutB") of the Property,teprdicas of to wbom the=Rents of the Property an payable.Bmower mjtbgrh=Lender of Lender's agents to cmllea the Fats,and agrees that each tenant of the Property snail pay the Rents to Dict or Irnder's Wnts,However,Bormwor sites receive the Rents motel;(i)Leader has givea Borrower notice of default pursuant to Sec dw 22 of the Sotwity honanent,and(it)Loader hag given notice to the ten=Ks)that the Rents are to be paid x, Leader of Leader`s agcaL 711is assignment of Rents_con84d#a an absolute axsig=cat and not an assigammt for additional secauity only. If Leader gives notice of default to 00rrMM W 0 Rents received by Borrower shall be bold by Borrower as a stee for the benefit of Leader only, to be applied to the sums secured by tett Sowrity Insirumenti (H' Lender shall be entitled to coil= and moaive all of tlae Rents of the Property; . Tniriils• M (OUM hp 2 a19 "3170 01 BXI937PG1710 12-26-'13 14.26 T-529 P0044/0071 F-609 j Borrower egrets rhes arab tenant of the Property shall tray all,Rnata due and Unpaid 43 Under or under's apRtg upon Laadcr's written demand W the tenant; (iv)uolm siVueable brut provides o&erwiae,all Runts colleCieti.by Leader or Leader's agenhi da be appy first to the coat$of tOn control of and ranaaging the Property sod eollec Ong,the Reats,including,but not lla hod to,Wormy's foes,rosxsiv s Bees,premfim on receiver's bonds,repair and>anfvtwanc a mats,.Waxame pmrahm 8,taxes,aawmwats and other chars on;the Property,and thea to the suttas merred by the So=*h Sart moot;(v)1<mdor,Dander's agrats or any pd W)y appointed rood"r Am]]be lfsble to acomni for only those idents actually readyw;sad(vi)Leander shard be eatiticd to have a reeelvti appointed to tab posmadaa of and enutunge the Property anti coltect the Rents wad prat„derived ffam the Property wWUM any showing as to the iaadepacy of tote Property as security_ If the Routs of the PropcM are not swat to ovm the costs of taking mutrol of and inaangriag the Property sod of eollecft the Rants any hm& wqxuded by Leader for such purposes shaD become indobtedness of Borrower to bender sec tned.by the Security lwftnm mt pursuant to Seddon 9- Borrower roprosents and warrants that Borrower has not executed any prior asslglament of the Rents and has 4ot perfprmcd,and,aryl not perform,any act that viould prevent Loader frm=rcisfng ft tights under this Parph- L r,or Leader's agents or a judbMly appointed receiver,shah not be required to enter upon,take control of'or maintain the Property beform or after giving notice of default to Borrower.However,Lamer,or Leader's agents or a ktdicWly appointed receiver, may do so at any time when a default occurs. Any application of Rents shall not acre or wsfvc any ddrtrrlt or ittvalfdate coy other r4ft or rrmedy of LAndcr. This assignment of Rents of the Property shall terminate when ell the sums s=red by the Security Instrument arc paid in M. I. CROSS-DEFAULT PROVISION.Borrower's default or breath under any note or"meat fQ which Leader has an interest shell be a breach under tha Security Instrument and L.euder may irrvoke any of iha nemedias perptftied by the Scolrity InsomneaL L�idala: ( ) Papp 3 of 4 76 aI 8 1937PG171 1 12-26-`13 14:26 T-529 P0045/0071 F-609 $Y SIGNING HEWW,HOffOww accoPm VW arm to the lamas and provhkm=Wined ip tbb 1-4 pam7y Rider. Mc zm� Alan Wccul1 . •Ha:ro�aer tap a�n�.e D. MoCn1ZeY 43onvm 8amawtr • 8o1YOWcr _ -Harrow[,x l�mowar 8K 19 3 7 PG 1 712 12-26-'13 14; T-529 P0046/0071 F-609 ADJUSTABLE RATE SER (6-mova L WR hAn,Rbo CM) LIN or Tuan)(twit MY of proaftg Mane Loomma) THIS ADJUSTABLE PATE RIDER is awdo this 6th day of January, 2006 and i.9 compo into and ahatt be d=W to MOW nod supplM= dr. , I of 7hmg, or Sectarlly D"d (d* *� Intxrumont") of.the sesta date ' uudotaigtlad (ttfie "AOnowtr") to MOP= tht �V° Borrower`s Adjuetabhs hate Nota {tij0 *Nota") to American Brokers Conduit (the "Under") Of the same date and omfing the property doe;=i W in the Y- Iastrumont and kQ=d at; 9 Keefer way, mechanicaburg, PA 17055 [may Addmwl TEE NOTE CONTAINS 1sRpYWONS ALLOWING FOR CHANGES IN THE Iii!` PATE AND THE MONTHLB PAYMgNT. TBE X= L==Tl= AMOUNT THE BORIto WER-S U?MM BATE C&N CHANGE AT ANY ONE TME AND THE AfAX W M RATE THE BORRO WM MUST PAY. ADDMONAL COVEEV' M. In addition to the covmaft a W ag,,,t,, made in the Secudty 10==M4 HOfrOVfnet and Lender further ema ut ad aVee as Mows A. INTEREST RATE AND IKON'TS1.,Y pAYMp T1' ORANGES The Note provides for an in&W h t zm rate of 6.125 96. The Nate gravidas for ebaages In the interest talc sad the ntaotthly paymwats,as follows: 4-IFMERFAS T RATE AND MONTHLY PAyMM CHAXGU (A) Cbmp Iwel The interest rate 1 wilt pay racy chaW on the Seat day of February, 2011 end may ctmagae on that day every sixth, Month thcreaflL. pad date bn which m rate cm9d chaW is wiled a"Change Date,* r. iaterest DC )aL=TATE A1]llt7'�"1'.4BLR RATE RIDB,R G-14damtit LIBORbudatc moble d . mmumluiT t7M51 0�404 DW Laoicback} - Sk* Fami]y - lPlr�eddic Marc trNIFQR31f 4UR (0"- Paan SIM 3104 Pop 1 of 4 1rtRials: vbo mortpe$otutious (8W)521-/MIon V0937PG1713 12-26-'13 14;2E T-529 P0047/0071 F-609 (a) The Lader! 140aoing wi* the fftwt 0400 Date, ray hom rata WID be band an an inlet!. The "Index" is the sdu month London Interbank O&W Rate ('LIBOR") w#slcb is !file evet*W of interbank otfrai tutee for six-month U.S. duper-deaaaaittatvd deposits to the Fenlon market, as pubfte4 in The WA 3treac I W,t .The mod recent Iadez Sgurc man" as of the &st boslness day of tba month WIMC&B161Y gruel V the month in wbicb the Charge Don omm. is ca ie4 the"Current b tvt." If the Index is no low avat7ablt:, the Nota Holder Witt choose a new index wttieh is based upon comparable ktU madon.The Note Bolder wlli glue uto neaten of this choke. (C") Gt1Cflptlon of Clttetatq $ I'Jeforc each Change Date, the Nora Holder wits cgculate my new interest rate by adding Two and one Quarter percentage point(s)( 2.250 Sir) to the Current Index. The Nota Holder will One round the. retch of this addition to the monies!, ane-eighth of nae parentage point (0.IZ %). Subject to the limits wed is Socdon 4(D) below, this rounded !!mount writ be my aew iatarcat we uott7 the next Change Date. Tho NOW Holder will then dcxetminc the arnonct of the monthly ,payment that would be sufficient to repay the unpaid prk4W that I am cxpeci to awe at the Change Dace ice full on the t zhuitY mate at my nese intcnest rate in mbstan&Uy equal p:symentg. The result of this miculatian will be tLe new anxwt of my monthly payment_ (D) Limits on Interest Bate Chrages TbO inrcrest rate I am required ao pay at the idiot Change Date: wM not be greater than 21-125 %or Less than 2.250 %, Thecvgftr, my interest rate wig never be increased or decreased nn any single Grange Date by more than One percentav poiat(s)( 1.000 *)fr+om the rape ref interest I have been paw for the precoding tdtc months. Ivry interest rate wm never be greater than 11.125 (E) Ei'ecthte Date of changes My new interest rate will'become nffecxive on ea& Chante Imo. I will pay the amount Of my new monthly payment beginning on the first monthly payment date after the Ctrauge Date until the amount of my mocthly payment dmages agabi. tFj l�Taf3oe of C6�es . Tho Note Holder will deliver or man to me a notice of any changes iu my intertg rate: and the —Lmt of'my mnuQY Payment before dw effective data of any change. The notioe whl include Wormed= required by law to be given to we and also the title and telephone number of a person who wilt ansvmr any question I may have rgKdiug the Doti=, Initials: K8I3R (04!}4) Dago 2 of 4 Farm Slats 31" BK 19 3 713b- 1714 12-26-'13 14:2' T-529 P0048/0072 F-609 H. TRANSFER OF'Fug PRoPzM ok A amamcjAL unIREwr p(BORROWER Seaton 18 of the SWW*Instrufaaat IS atnetrdod to read sa foIlaws: Tnumtnter of the Pf+apwq or a ammadd btuva in Blower. As used fa this Seodoq 18, "Intarest is the Property" Baas any 168Wor be dkW iatateat in the Property, including, bu3 not limited to, those be4tstir*I kwrcmtq tk'ansf red 148 bond fat dtred, Contract for dead, iaatsOutent vda conttTgt or esaraw gfftaarn4 UM intent of whioh is OW transfer of title by BBoxrp a at it f lun date to a gurobsmser. If all or any part of the Pmpcfty or any Interest in We Ptnpefty is sold or i trsnaferrrd (or if Borrower is mot a mi arst Mm and a beneWal #ate M is Borrower b sold or trausPot',ed wdttout Lender's prior va ttm aaneeak Lender easy requim immedaatte payment in full of at sums secured by this Sem* hwtrumecd. H&Mwer, this optiaft strap not be mmmised by 1AAder if much exurdw is prohibited by ,AppJ=Ht Law. Leader also shaft not =rciao this apdw if: (it) Borrower causem to be submitted to Leader Afosfuahoa required by Leader to avalw" dw idtcAdcd Mmsferee as if a new batt wt,e ba4 made to the tram lem; sad (b) Leader reasadabty deteffnines thet Lender's scquity wits Cot be kVahW by the Iona assumption and that the risk of it breech of may oovenmt or agreement to this Security Instruoment is aoocptablc to Lender. To the Went permitted by Appli." Law, I-Wff may d=W a masonable fee as a tx OM10n to Lendt 'a Conant to the Joan amumptim Lender clay also requuc the transferee to sign as mrzption agrcotat,rat that is aoceptable to I Lender and that obliptas the transferee to l rep all tha premises add sgtocmcats made in the Nate and in this Sectuity iastrumrnk. Ilormwet wM continue to be obUPWd under the Note and this S=i&y instrument =ion Len&-r relaases Borrower in writing. If Lender exercises the apt- to require =mcdhuc payment in full, Lender shall give Borrower amino of acxeleeetiou. The notice sbaIJ provide a period of not less. than 30 days from the date the nates is given in accordance with Swtkn 15 within whieh DO=wcr must pay all earns weaned by this Security Iaww ent, If B"wer fails to pay them sums prime to the expiration of this period, Lander may invoke say,remodnes perm by this SecuritY Instlument without ftuthcr notam or demand am Borrower. -9M (0404) Initials: Page 3 of 4 Form 5=3104 t9•37PC # 7I5 12-26-'13 14:37 T-529 P0049/0071 F-509 BY SIGNING BEMW. Borr mr WQqft Wd Agrees . to dm. ta= atm Cava= aeaWaad in this Ad 1a Fats Raider. 7�1 S ,7. McCui y -Borrower Ste sni& D. m c 0 I y (Sealj (Rao borrower Borrower BMWWcr Borrower ( -Borrower -Bozrogver -SMSA (4404) Page 4 of 4 Foxes SSU 3104 RK 1937PG 1716 12-26-'13 14;27 T-529 P0050/0071 F-609 ,ADDEMUM TO illi UST.A.BLE RATE RWER This addendum is made .Tsauasy ate, 2449 and is incorporated into and deemed to a *nd and supplemetrt the Ad,astable Rate Rider of the same date. The property coves by this addendum is described in the Security lstrment and located at: 9 infer I" Ractuiesburgi._ FA 17053 AAIENDEI;D PROVISIONS In addition to the provisions ad agreements made in the Security Instrument, Uwe further covenant and agree as follows: ADJUSTABLE INTEREST RAXE AND MONTHLY PAYMENT CHANGES Limits on laterest Rate:Changes The interest rate I am required to pay at the first Change Date will not be greater than 11.125% or less than 2.253 %.Thereafter,my adjustable interest rate will never be increased or decreased on any single Change Date by more than_1.000 percentage point(s)( 1.000 4/0)from the rate of interest I have been paying for the preceding six(6) months.My interest rate will never be greater tim 11,25%,My interest rate will never be less than 2.250 %, TRANSFER EER OF THE PROPERTY OR.A BENEFICIAL,INT ST AST BORROWER Uniform Covenant 1$of the Security ln&ument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower.'As used in this Section 18, "Interest in the Property" mem any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow ageementt, the intern of which is the transfer.of title by Borrower at a future date to a purahasw, Tf all or any part of the Property or any Interest in, the Property is sold or tans€erred(or if Borrower is not a natural pew and a beneficial interest in Borrower is sold Qr transferted) without Lender's prior written consent, Lender may require immediate paymont is X1.1 of all guns secured by this Security Instrument, This loan is not assumable. However,this option shall not be cxercised by Lender if such exercise is prohibited by Applicable Law. 2282 MWK Addendum to hider 11HAi2pyfi:(Mt�h)(!OlOS) ` ages 444277.pzn 8KI937PG1717 .......... ... 12-26-'13 14;27 T-529 P0051/0071 F-609 If Lender exercises ibis option,Leader shall give Borrower natiee of aceelerati= The notim shalt provide a period ofnot less than 30 days from the dates the notice is given in aaeoreiarloe with Section 15 within whioh Bona%r mrst psy all sums secured by this Sewrity bmumm. If Bomwer fails to pay tbam sums prior to the expiration of this period, tender may invoice nay remead m pw itted by this Seeurity L tcumdOt without further notice or de:mW on Borrower. To the extent the provisions of this addendum coo ict with the provisiomts of the Note,Security Im trument or Adjustable Rate Mor,this Addendum shall oontroL In witue:ss Thereof Trustor has executed this addendum AIA f i ituess .anuar 6 2006 paten SRrrRK Si tura 1801 HvCulley Sanuary 6, 2006 Data dor vnature Stepp iB 'D. Cully I Certify this to be retarded in Cumberland County PA Recorder of Deeds 1201 LIBOR Addendum to Rider ge: 9445�O.pFn, AIDA Z410ROAUM)¢0105) 1937PG1718 exhibit " " 12-26-'13 14:2' T-529 P0055/0071 F-609 ROBERT P.ZIEGLER RECORDER OF HEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE _ CARLISLE,PA 17013 717-24"370 - Innrument Number-201200054 Recorded On 113!2012 At 10:44:04 AM *Total Pages-4 *Instrument Type-ASSIGNMENT QF MORTGAGE j Invoice dumber-"464 User ID-i►'I+SW *Mortgagor-MCCUL.L.VY,ALAN J *Mortgagee-CWALT INC *Customer-PORT RS KIRN&JAVARDIAN STATE wall TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 RECO RI EcaRnlNis FEES - $12.00 DO NOT DETACH RECORDER O.V DEEDS PARCEL CERT=cATIort $10.00 This page is now part FEES of this legal document. COM4TY ARCErv'E$ FEE $2.00 ROD ARCgXwS FEE $3.00 TOTAL PAID $51..00 T Certify this to be recorded in Cumberland County PA ktCORDER O D EDS +-Information degotcd by an asterisk may change during the wrifcation process and may not be reflected on this page. 81 I�II�I00 fl l IF l 411� - .:w-........ ...r..w. .—. .... �. .h.^Ns ..�yS..-- -Y•4YnRY.MYI M..+OM.-M... .. ..w. 12-26-`13 14:27 T-529 P0052/0071 F-609 IIIIIIQI�PWIWw.. -- ! 4 Prepared By: Powers,Kim ravardiau,LLC. 1310 Industrial Blvd,Ste. 101 Somhmptpn,PA 18966 Return tm Powers,Karn&7avardiari,LLC 1310 Yudwtrial Blvd.,Ste. 101 i Southampton,PA 18966 I Parcel#42-29-2456.165 MIN:. A MORTGAGE FOR VALUE RECE,NED,the lreceipt and Mffaciency of which is hereby acknowledged, the uodmigned; MORTGAGE ELCTRONIC RE QUILMON SYSTEMS INC AS FOR AMERICAN BIZOIGERS COhTDU1T hereby sells,transfers,assigns,coveys and sets over to: TBE BANK OF NEW YORK.MF,UONE E BANK OF NEW YOR& AS TRUSTEE 'FOR T'M CE ICATEHOL ERS OF T INC. TE MAINE LEAN TRUST2006. M,MORTGAGE PAS-THROUGH CERTIFICATES SERIES 20Ck�QC3 its successors,representatives and assigns, all its rights,title and interest iak that certain Mwtme executed by lan J. M299Lq and t e D. McCuUey dated latluary bei,2006 and recorded Tanuaa 12.2006 in book 1y37 nage 1692 the Office of R,emrder of Meds of County, Penmylvania- Paroperty 9 Keefer Way,Mechanicsburg,PA 17055 Mortgage Amount $112,700.00 TOGI;'I iER WHE THE R:dAL PROPERTY therein described and the indebtedness thereby seouzed,having this date sold to the therein named assignee. C:ertMeate of Assignee s Add=s-. 1800 Tapp Canyon Road Mail Stop#SV-103 y,CA9aO.33/ Moadley,Alan, 9 Keefet Wsy,Mechmnical uM,?A 17055 12-26-'13 14;27 T-529 P0053/0071 F-609 tavuod By - tammom "Nh tad 1106 tneuraw o0gatau at La� medca C sb Nm05�0988PM Cmnwwealth sc �� •continued- LIEM DESCRV110M AGb TSA,r t"'R%TA= FIliCli, YARCSL AND LOT OF IUM 81?t Tc m 'F88 $ABT 19= OF KmmR WAY IN Upm ALL= TOD' MXP, COY!$BRLAM , 81 =nVAIFIA, $SM LOT NO, 19 ON '��iyy...M. 3'2HA��y *yI�I�I ZCW pLAa Cy YMM I - 8 �p8 VyI�LIMB,yXWE k^'.I�L�IP^ylZYY MUR A9 RMtwt s •R.LtTs,m. mW mm I8 � � iM 001.s OD mm2m 2m OF m=9 IN AND FOR CVBIDB$X,AW COB1 y, P=1l nVAN &, IR PLAN 8061[ T3. FAGS 14. 41111M [4088 PARTICtiLAny SOUItEW ASB BSBCRMM AS FOLLOR8, TO 1VIT: BSOINNm AT A PGr.1l7l.I ON TER xMP=W D=IQ►7'>iD RXWX-OF-VAY IMM OF KRHM MM AT TM vi;im Inks' =a 08 Lot 10. 20 am L'OT NO. 184 HYBm DS4C,RS$=; T10wca by gLm DTVIDUM =n 807M 46 PRMa= 27 MOWUS IS 88CORM RAST, A DMA= OF 130.00 P'f$'C 1'0 A POnM AT LAM r10N OR =M=y WWlYA>1i8 Ii= ASSOCIAMI A PLAN Or LOTB 447 W AS BMWs SILK; T1a= W 9= LAND$ 00= 49 DEGMW 32 NI]M SS 46 SB3=8 V80r, A t)=T 4 cm qP 22.00 nu TO A.POTTNT AT TSS 41SrtD3'>slti Lmm 01? 3,0'x.' NO. 10 ASA LOT NO. 3.91 ASACBI$BDF '1'l l* 8Y 9AZ DIV 'Ma LUM NORIM 46 DVC0it1IJgB 27 NIOUM %S 6300MA 1'M, A IDISTMM 67 130.00 881$P TO A POIXT Ori TM BABTW DI=CXTM RIWr- OF-I= LL78 DB 1aRXM %AYt TgMCB 8Y SAIL) Rion-W-W LSSS AbjU 43 DWRM 32 lllanrM 45 BROOMS RAST, A DISTA tg OP 22,00 "Wr TO A POINT. THE PLAC$ OF Ate- TAR PARCH ID; 42-29-2456-165 ADARE88: 0 lC138M RAY IMCMICOM, PA 17055 sMe the aatrte prm*os whkib FINE UNE MOI+ ,LLC,by 06rm*Watranty DOW dated MW 18,2400.and miw dad lum 6,2M,in t m Offla of the Ramdw of Dead$In wd for tine CY4 Of Wdwkatwrg,Casmty of Cumb"*W, Ramaa*wi% in Bm*222, Page 402, gntW WW moveyed unto ALM J. MCCULLEY AND - STEp)4AHIE D.m=U.I~Y HUSBM AAIB WF'E,in fee. 8nr�fal�-t'+sQo2C+omm+6rMR,twao6�i� �pdrparYn�nllil tweggdcsrsl.eaihQ d�ed ' $Ylbat afr18ClI�d�#UI A wfd F>ruee slk .. RK 19 37 PG 1708 12-26-'13 14:27 T-529 P0054/0071 F-609 TO EXERCISE the said rigbU6 powers and privileges set forth therein in as£etil as a meaner m the undw siPed is authorized to exercise they same, 1N Wn NUS WHEREOF,the mdetsignexi has caused this itsstt►uuent to be sighed in its behalf by its duly authorized officers and caused its Corporate seal to be at6ced this day of D fag I 4 ,2011. i MORTGAGE EIZMONIC REGISTRTION SYSTEMS, INC.,AS NOMINEE FOR AMERICAN 13p,0KERS CONDUIT aa +} , ;}�i Dame: UloyAtR161urn1isl "fie. * ?•t,� �,�'p1t� t. , Title: Atddrt 8ftmtWY r' 1# ACKNOWLEODEMENI' STATE OF CALIFORNIA, COt NTY OF . On g. 'c C?f I before me, %=ftWftW**pAk (uzsertt.=W and title of the officer) who proved to me on the basis o—at sfactwy evidence to be the nW whose z]ameW setb bed to the witbiu iastrrunent sad acknowabC a sh exeazted the some in W� autb* zed capacit ), and that signature( on the insUttment tho pez'sonkl or the entity capon behalf of which the person(%)acted,executed the inskiument I certify under PENALTY OF PERYMY under the laws of the State of California that the foregoing puagr~al.,h is trete and ea mi- WITNESS my hand and official seal. -- 4001M Szgu EESpMAARWDIMCbALlCLttI�MANRMjNryS � gti� (Seal) res tA � Dee.31,2014 McCulley,Alm, 9 Keefer WRY,Mcchanicsbwr&PA 17055 i. i i I i i I s s i EXHIBIT"A" Ac .or YtAY .A 31a79l7 }F .r :' � BEDitg" :�Xf�. Y;4'tat' 1?#838lA1. kQIdt#F Cx' :gQNMTi3X 'fir liCTttB: 4JY ' i.As . 6i 14S*g A iG99 -k,,Mk !1MW OFY" f r.2$&ZMA : .. . : yo tie € :.s�lxrts I MrM `Es.'Y3Z9Ta t't Is A.Xu:fix tAsfl; .bast ?SSCtY: 2tlLfiti*J13�Rimmix iTo Ky. 30ktt.Al .b�API fs its&'? ;�tt�1f{iig fid. 32: 0.890M iikoi �ENt�Chir saena�s+�ilctt Fll7I<C-It�E�.' by'�s7 �t}r t?�d� �8. . �.Inis,��,2�i3 Its'�� .cd �p b�.I ��d�'�C3�y":t�f�►t37�t�t11d���;�. Page 4 of 4 . : , .... i .. I � � i Select Portfolio Servicing PO BOX 65250 Salt Lake City, UT 84165-0250 9171 9010 7643 2001 6902 26 STEPHANIE D MCCULLEY 172 BLUE JAY WY HUMMELSTOWN, PA 17036 i i 0000457300052.5010500 i SPSIS J" i STEPHANIE D MCCULLEY 172 BLUE JAY WY HUMMELSTOWN,PA 17036 .964 . 00004572000844010500 i Date: March 19, 2013 i ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE . This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages — -' The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of 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) 780-2869). 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 Iawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRUSTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. "'�' 00004573000525020500 HOMEOWNER'S NAME(S): STEPHANIE D MCCULLEY PROPERTY ADDRESS: 9 KEEFER WAY MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: American Brokers Conduit CURRENT LENDER/SERVICER: Select Portfolio Servicing, Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are 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 THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so,you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS.A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE. ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application.. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on.your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy ou 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: 9 KEEFER WAY MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: .!i:,r.';'r;i�4'.;,'is?i!:'"N:r:'••'iF°�:•"-:ir':vi:!::?:aii:i�k:'.�:: �::-±c-i:rlii:,u .i_,:'•ii?i.ii•:ii:i::!'r�[.:::u�.• ., .,. f,.. .l... ..� t.. , i':..-n.:. -.:..F;•>rvt.. _a� i±lxi,ia:;sai!tS;::rw'::._ :•:a r. 7 :•r;r.::!•::,.,i r,�l 1 ,: ! u.;;,,;ta±:t?,,,...,!„;i.l!: :c:ee-si';:!:,!r•: !,m;::.E±:?t":'.: ?a1s:t::e! .I...r.0..............». .. :.....:.. •:::•: a.: 'e.s':•:-r.,'..,f ;f;,.,,.:F...r r:...,.s.::...:r.....a'-,.r.u,: ..,............. Evil n.....,...............i... :d:r:' ,!;n'zt"ia,r. •:Inc rre:nr;.,,. .. +, .,,,rn�:'--r,'•F::.r..;, .9•sµ. r.?.,._, :..c. _.d..u,. _ . .; a.. .. .. .. ., i. f.,!x;±r;.,?£r!,..�L.•,_;_,rhnd::•!: r:fnr yP,,.3i ua.,i¢nan...r.....,..:;:lc•-:::r3...1larr:h:»alikatFn!iT.f:;-i y._r 77 �•y�y tl ,,.,..,.: .._,r..»... :r_..,.ir .::,..,:.�I{,:,. ::!:.I•:::_s,....f.». ::•a::: -::::: !!,.:ss<..t; .,,.r.���.��� -.:��1.�� �'•!:1fJ12:f?r.!•::c iri!:3C^tit£fi..s.la.:!:!.�e!u••�::';C:}I•r{„•,rl:u!,au?r„�:r::L rp:.'. ...7. f sL_.. ........._........... .._..r.l.,. .. .».�?4'�!....,:..,,G:-;:•... .,...........,....,.-:.,I..., <_,.f... : !. �, .±.14..;::...,urr:n i?l:ar.o:r<�rc:•::�;:,3..._..:E±75c Payment due for 03/01/2011 $ 13,445.85 Total amount due includes Escrow Payments (Taxes/Insurance), Your current monthly escrow payment is $272.00 Accrued Late Charges. 0.00 Advances made on Customer's behalf 570.60 Escrow advance balance (Deficit) 0.00 Total Amount Outstanding $ 14,016.45 Unapplied balance 0.00 RN!A (21NTR1J)<R17' sliC�7Y1r�ll!�s;d �1f �, ITI7tfL til li- 4 "6e s : 00004573000525030500 i 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 $14,016.45 , 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: Select Portfolio Servicing,Inc. PO BOX 65450 Salt Lake City,UT 841.65-0450 i IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30) DAYS, the lender also intends to instruct its attorneys to start legal. action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were 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 DEFAULT PRIOR TQ ,SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default_and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due,plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Select Portfolio Servicing, Inc. Address: P.O. Box 65250 Salt Lake City,UT 84165-0250 Phone Number: (888) 818-6032 Fax Number: (801.) 293-3936 Contact Person: Jennifer Coleman L EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You may or X may not CHECK ONE sell or transfer our 3 Y { ) Y 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 THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 00004573000525040500 is .HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:09/10/2012 05:11 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 1.7401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PA Interfaith Community Programs Inc P.IIFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 i i I Y 00004573000525050500 i Select Portfolio Servicing PO BOX 65250 Salt Lake City, UT 84165-0250 9171 9010 7643 2001 6901 96 STEPHANIE D MCCULLEY 9 KEEFER WAY MECHANICSBURG, PA 17055 00004573000522010500 SELECT spsi ...rktSE ING ilib 2n STEPHANIE D MCCULLEY 9 KEEFER WAY MECHANICSBURG,PA 17055 ;_ "Li. 00004572000841010500 Date: March 19, 2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR NOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program j works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of 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 NOTIFICACIO`N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. . 0�?. 00004573000522020500 1 HOMEOWNER'S NAME(S): STEPHANIE D MCCULLEY PROPERTY ADDRESS: 9 KEEFER WAY MECHANICSBURG,PA 17055 LOAN ACCT.NO.: i ORIGINAL LENDER: American Brokers Conduit CURRENT LENDER/SERVICER: Select Portfolio.Servicing, Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are 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 THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. A 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 endof this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." j YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. j AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. f you have filed bankruptcy ou 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: 9 KEEFER WAY MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: .,.,...h..A.....h.:v i. .. , : .u:., s...y,t u..h r:: ."._::.a:u:.+ w,_^r..r: :n f,t`aii!!'ii^^tizi!i:s_+.::...y....;; .v. a 4y,.. , .,.: n }::.. :,�meax:7� - ,.,.,..+v,3:_.:..,•-•. , :a!nz_,.!:'!?;-:::rar�ii?cJi.!'E':".i n{::H!yi:!'<iii'^".`fh!'cilii=} ! !: •: ! i. ' ;1 ...::::,:•s;?!:;7�:>:;'•a+;�,;�{r.,l,a te�a�aa��dn b`��►..:..� �#R u�t t�,.ir�,.i�-, • j.!'-,':.,.�t..,... t .7....:.:.�:.r,s. 7...,d,n:,':;•,:a•r._!,,.;z},f,,-,{z,,,+i:...1:a<..a.r,.I,:R:{i{",:}°r.;.r!.:•!::�,r•,zi..,.:n,rr:+.{d!a7.......... :{rp!{ni=herr•.,L�.!.,a,t r.t:,.l�:� ..,-, f. ..,.:....,}:-....,.,._,�...{,;. !.......}.r:v:!:',•,F.ss.._ex..f...... ,. ..a.:. +.!-.�;:;:•,x:.:a•;un.,,.,.,.. 3..v+.{.•,.7;{F;zI,.?:.+ta,...a...d.�.t„{ e:a•.:k:a'. v:,•h.dso.. .eh.—u ....-,.u±... .: .a.eRn.:...x + :,,».{:u i..L ..:}.,.u,.;<.r. �:t.:..:,:::,.: •f, +?'?:;:r :!,+i i+}is•.:a'i•'i ..:. .:- r.:i'' $ { •: . ,. .. .:::::::4:!.},.,elz,.:,.,.t...,,..,,:d{-'::.r::nf,!:}:!.,er•oa•ac.i - ., :,_+in,t..ue3.i!e.S...r,.,.h.a..... h...a.a.r!+-�--•-- ,.,.,,....n :,u:Ir.'e�$i{'r��!'� i.' f..a;.r',7 d•`ia: i.:.>,.,..,. .. .., •a>}:t:_.,:a•t,.::...::::�::.�,: :::•.i...... ....:..-... ,.....:-.,.... ..,.,...r 3.��.!..,��s..��.��:7!1!,t��:�,:u Payment due for 03/01/2011 $ 13,445.85 Total amount due includes Escrow Payments (Taxes/Insurance). Your current monthly escrow payment is$272.00 Accrued Late Charges 0.00 Advances made on Customer's behalf 570.60 Escrow advance balance (Deficit) 0.00 Total Amount Outstanding $ 14,016.45 Unapplied balance 0.00 >1, ; �:! 3 iT.4 'tib'•S ij ?DiL, 00004573000522030500 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 $14,016.45 , 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: Select Portfolio Servicing,Inc. PO BOX 65450 Salt Lake City,UT 84165-0450 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were 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 DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due,plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Select Portfolio Servicing, Inc. Address: P.O. Box 65250 Salt Lake City, UT 84165-0250 Phone Number: (888) 818-6032 Fax Number: (801) 293-3936 Contact Person: Jennifer Coleman f EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTIQN OE 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 THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. i S „<iy 00004573000522040500 .HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:09/10/2012 05:11.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 ti il14 00004573000522050500 Select Portfolio Servicing PO BOX 65250 Salt Lake City, UT 64165-0250 9171 9010 7643 2001 6902 19 i ALAN J MCCULLEY 172 BLUE JAY WY HUMMELSTOWN, PA 17036 00004573000524010500 ' SELECT P�artt�r iTt«. ALAN J MCCULLEY 172 BLUE JAY WY HUMMELSTOWN,PA 17036 i i t_; ;. 00004572000843010500 i Date: March 19,2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages• The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of 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 NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ;..•xt;F,,: 00004573000524020500 i HOMEOWNER'S NAME(S): ALAN J MCCULLEY PROPERTY ADDRESS: 9 KEEFER WAY MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: American Brokers Conduit CURRENT LENDER/SERVICER: Select Portfolio Servicing, Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. . TEMPORARY STAY OF FORECLOSURE--Under the Act, you are 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 THIRTY-THREE (33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your 'intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program.. ,--1;;=E To do so,you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM. STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy ou 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: 9 KEEFER WAY MECHANICSBURG, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: i.i.f,..3.,. .._ ..- :�.r,:+:-c,,. .,•,..... .,• ..... ..........i:.i�ii ra::^a;::.:�;..t,,i, a•F_.. .. ::.}-a - .,.�.•.. -...s_...is,. i):r,.n7..,w.L.., if,i�s:.'e': -- iiPii ..._.•. : :e. ,.,.....' .j �+,j, :,. isy(,,• , .....,..�.., v.,,..n..<tu:?s::;±':?mrs{7i4?::•,>t rza::e!,^::'u,,Wit. k .:r'??:'it: =;i°c.:p. tr•� :I.r.Qi !Q :-.1- R19;, 2. .1 Z7iiR�1yy -39 .1 ,x1 k.L+W �{i :±:=.!i:,*e ;:,.rl,j„}?,i•, to r r •: -i , ..?I, H:s� ,,.i_ -i'. ..... ......: ..., i...........-_ ...,. __...,...Y.. ..,.,i},,:.. .,r......u..:?,..•:rT.'.�iei:i�...._..x..�$1,.,....i., .,..,L 4: r:..:..» y...,r .:n.............u,.._,.:: f`:I:L.,. ,....::.,_,......,-,.•n...,._.r ,.-.,i.,},q....,.., r.. !.....:.u�.cr:::,sr..,,,5,'•��;.:�:(ur -n1�1..,:,'d::rckr.e4•.{:.,,.._.n¢: ! ( t a, ,, ::a:-::::.:�k, tca ;rt .F...re....,.... :,: Ij@�}: �I� bi�3 ;,t:{_t�», •,•,l:i: i.i.t..x•:?,:.:r-r?.,,R4?F:�.... fa ”{xh't:,E:, •:::,•,,,:,f,:,:•a,•:•:::;ic, .. � ,a i n.,.. ..... Payment due for 03/01/2011 $ 13,445.85 Total amount due includes Escrow Payments (Taxes/insurance). Your current monthly escrow payment is$272.00 Accrued Late Charges 0.00 Advances made on Customer's behalf 570.60 Escrow advance balance (Deficit) 0.00 Total Amount Outstanding $ 14,016.45 Unapplied balance 0.00 ; �i� .:.:��•:.m:±iu'•_,.' -i i•. - r '--. •- ,..n1 -- }.- ._. Ql:l1R l=�3�4, lYl����a i J,� 0.T�14�J�l� ?_.�{:{i3�i. 00004573000524030500 ... 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 $14,016.45 , 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: Select Portfolio Servicing,Inc. PO BOX 65450 Salt Lake City,UT 84165-0450 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property; IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay i 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 Q0)DAY period,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due,plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Select Portfolio Servicing,Inc. Address: P.O. Box 65250 Salt Lake City,UT 84165-0250 Phone Number: (888) 818-6032 Fax Number: (801) 293-3936 Contact Person: Jennifer Coleman i i EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMgTIL)N 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 THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. _i ;:;•;>< 00004573000524040500 I .IIEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:09110/2012 05:11 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 171.04 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 1.7401. 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 717-334-1.518 717-780-3940 800-342-2397 i 00004573000524050500 Select Portfolio Servicing PO BOX 65250 Salt Lake City, UT 84165-0250 9171 9010 7643 2001 6902 02 ALAN J MCCULLEY 9 KEEFER WAY MECHANICSBURG, PA 17055 i VF.VAIC 00004573000523010500 i SPSI-Si(E)"l � ALAN J MCCULLEY 9 KEEFER WAY MECHANICSBURG,PA 17055 00004572000842010500 Date: March 19,2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR. HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages• The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM , (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of 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 NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTE CA. A Li`zi.",:r. 00004573000523020500 HOMEOWNER'S NAME(S): ALAN 3 MCCULLEY PROPERTY ADDRESS: 9 KEEFER WAY MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: American Brokers Conduit CURRENT LENDER/SERVICER: Select Portfolio Servicing,Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are 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 THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO .DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT_", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one. face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. i To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS, A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. 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 snake a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have fled bankruptcy ou can still apply for Emergency Mortgage Assistance.) IOW 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: 9 KEEFER WAY MECHANICSBURG, PA 17055 IS SERIOUSLY IN DEFAULT because: i A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 9?e�:••.,..,:y°..::�;:,,,;mirt�.�,:y:;:a::s�,•;:c•,;;...tu...� ,•at,__,y.::::,.�•�:_;,.ny-.:,- Z !a r. _ .,..rd.`«.;,o;,t, i:.. rs.�m.:.a:•:•,-r.••:na::�-.::. ..:. _ r� :: .,-fl..r:t::•.;�.... ...,..}«-..n,,=.. .r,.,h_..,;;;:.r.•?.n...�:•:a:cat cef,ld.; �k!,:•=Yifturis ti!:s,3iiTe=i?it;i:ii - aS �. i?;,.;.:.um,r•???iii!i::3:?!i??:�:?: "••,c+t;y..M.,x:a::Z:p;;?L.,:rrr.?<!nr=e�Fo.-.t. a?':. -.,.I?_n, gig", :nrr-?i .Y a,.,.y r..,: as•.,.,i I i.S AWN .�!�J''( .,.,_a .....; 1 1 ;E11 L a_•,.„t. ,.,,_m 3 J:,?.:.(,• ?_ .,T.r ,_I tr1, F.:::r??i,}.e....!r I?.=e.,.<..!:i:fiik2;! .!. -! .:._,..;.;...� ••::e-sax:?.::I!.:. ?!'Eti, :'.i.. I2= i Sc;:• •. : u.»v,:,.,•i t .,.na, f u•:.,:...:::•. ,_1. r h•:, f _ 4 r .,:,.... �3!.!;y,?,,,.,•,;.,,,, _,,g;,r€ ,f.!uyr f;tf: °a: ,tt;;=t: s>ir,e;crar st,:.:f,......a„:•I:•::a,:.s r!t,; __,:,•�a:!�e:«:,:::.-.,..,:•::: y;,.... :............:.:.•. r.;?J,!1.,;!,..y: _.,..,.....y.... .�. I ??ti,.,u„•?,aatf:f,:.•, !•!,,�.,<s F n,i,;;;:.S:,i:_,3y'it!t•>@�a?! Payment due for 03/01/2011 $ 13,445.85 Total amount due includes Escrow Payments (Taxes/Insurance). Your current monthly escrow payment is $272.00 Accrued Late Charges 0.00 Advances made on Customer's behalf 570.60 Escrow advance balance (Deficit) 0,00 Total Amount Outstanding $ 14,016.45 Unapplied balance 0.00 _ e• : i.,�...ar�if?>!i=il•nnvli .'e??t?i :T.: ::1311'AU• fan!;a? i:::i: .:tl,:, ,;,,: d r S 00004573000523030500 i 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 $14,016.45 , 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: Select Portfolio Servicing,Inc. PO BOX 65450 Salt Lake City, UT 84165-0450 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were 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 $5.0.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal.balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due,plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Select Portfolio Servicing,Inc. Address: P.O. Box 65250 Salt Lake City,UT 84165-0250 Phone Number: (888) 818-6032 Fax Number: (801)293-3936 Contact Person: Jennifer Coleman EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You may 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 THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. S „;;. 00004573000523040500 - ._. ------------ HENIAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:09/10/2012 05:11,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 1.7104 888-51.1-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelpbia 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 717-334-1.518 717-780-3940 800-342-2397 00004573000523050500 2014 AN 1664 THE COURTS J { O { 27 FORM 1 P'�itiS YLVAt41A Bank of New York Mellon,f/k/a Bank of New IN THE COURT OF COMMON PLEAS York,as Trustee, on behalf of the registered CUMBERLAND COUNTY, holders of Alternative Loan Trust 2006-OC3, ? PENNSYLVANIA Mortgage Pass-11rough Certificates Series �\ 2006-OC3 U 3815 South West Temple Salt Lake City,UT 8411.5, J CIVIL I Plaintiff, Vs. Alan J.McCulley 172 Blue Jay Way Hummelstown,PA 17036, and Stephanie D.McCulley 172 Blue Jay Way Hummelstown,PA 17036, Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your bonne. If you own and live in the residential property which is the subject of this foreclosure action,you maybe 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)2.43-9400 extension 251.0 or(800)822-5288 extension 2510 and request appointment of a legal representativeat 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 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 i 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 NEdPenn Legal Service for the appointment of a legal representative. However,you roust 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 A ill 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 TMS NOTICE.THIS PROGRAM IS FREE. i ectfully omitted: Date RobeA W.Williams,Esquire Milstead&Associates,LLC 1 E.Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190(f) I 4 1 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 i 1 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 j To complete your request for hardship assistance,your lender must consider your circumstances i to determine possible options while working with your Please provide the following information to the best of your knowledge: i Borrower name(s): F Property Address: City: State: Zip: Is the property for sale? Yes❑No❑ Listing date: Price:$ Realtor Name: Realtor Phone: i Borrower Occupied? Yes Q No❑ i Mailing Address(if different)-. City: State: Zip: Phone Numbers: Home: Office: Cell: Other: j EmaiL- #of people in household: How long? • :•H • Mailing Address: City: State: 2zp; Phone Numbers: Home: Office. j Cell: Other: Email: #of people in household: How long? ERM MIN • Fust Mortgage Lender: Type of Loan: ' i Loan Number. Date You CIosed 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 831602 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 1666 T14E COURT'S I If yes,provide names,location of court,case number&attorney: � Assets Amount Owed. Value: Home: $ $ Other Real Estate: Retirement Funds: $ $ Investments: $ $ i Checking: $ $ Savings: $ $ Other: $ $ Automobile 01:Model- Year: Amount Owed: Value: Automobile#2:Model: Year: � Amount Owed: Value: 1 Other transportation(automobiles boats motorcycles): Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. t 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 2n Mortgage Utilities Car Payment(s)) Condo/Nei Fees Auto Insurance Med.(not covered)' Auto fuel/repairs Other prop.payment Install.Loan Payments Cable TV Child Support/Alim. Sending Money Da /Child Care/Tuit. Other Expenses Amount Available for-Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? i Yes❑No❑ '• If yes,please provide the following information: Counseling Agency: Counselor. Phone(Office): Fax: 8.31602 2 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 i i i THE COURTS 1.667 i I Email: l Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? yes ❑ No ❑ j 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: I Please provide the following information,if know,regarding your lender or lender's loan seavicing company. Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: IfWe, ,authorize the above named to uselrefer 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 i 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) 8.31602 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ;. Lk O -:Jr f= Sheriff iti r 1 HC PRO THONG T':,:: Jody SD putt' 2U' I4 AUG 26 f1� ID; 6 Chief Deputy Y "�� �' Richard W Stewart " CUMBERLAND COUNTY Solicitor OFFICE OF rtt.„ WZRIFF PENNSYLVANIA Bank of New York Mellon vs. Alan J McCulley (et al) Case Number 2014-4440 SHERIFF'S RETURN OF SERVICE 07/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Alan J McCulley, 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. 07/31/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Stephanie D McCulley, 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. 08/12/2014 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Alan J McCulley, personally, at The Dauphin County Sheriffs Office at 101 Market Street, Room 104, Harrisburg, PA 17101. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 08/12/2014 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Stephanie D McCulley, personally, at The Dauphin County Sheriffs Office at 101 Market Street, Room 104, Harrisburg, PA 17101. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 08/25/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Stephanie D McCulley, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 9 Keefer Way, Upper Allen, Mechanicsburg, PA 17055. Residence appears to be vacant. 08/25/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Alan J McCulley, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 9 Keefer Way, Upper Allen, Mechanicsburg, PA 17055. Residence appears to be vacant. SHERIFF COST: $73.00 SO ANSWERS, August 25, 2014 RONNY R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teheosott. Ins. Mtfirt Shelley Ruhl Real Estate Deputy Matthew L. Owens Solicitor Commonwealth of Pennsylvania County of Dauphin :lSI?crrff Dauphin County 101 Market Street Harrisburg, Pennsylvania 17101-2079 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Jack Duignan Chief Deputy Michael W. Rinehart Assistant Chief Deputy BANK OF NEW YORK MELLON, F/K/A BANK OF NEW YORK, ET AL VS ALAN J. MCCULLEY Sheriffs Return No. 2014-T-2175 OTHER COUNTY NO. 2014-4440 And now: AUGUST 7, 2014 at 10:40:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon ALAN J. MCCULLEY by personally handing to ALAN J. MCCULLEY 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at DAUPHIN COUNTY SHERIFF'S OFFICE, 101 MARKET STREET, ROOM 104 HARRISBURG PA 17101 DEFENDANT VERIFIED GOOD ADDRESS IS 172 BLUE JAY WAY, HUMMELSTOWN, PA 17036. Sworn and subscribed to before me this 11TH day of August, 2014 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Karen M. Hoffman, Notary Public City of Harrisburg, Dauphin County My Commission Expires January 8, 2018 So Answers, AVA/C___- Sheriff of Dauphin County, Pa. By (l-�P�1(l�}'t�C' Deputy Shiiff Deputy: MEGAN TRITT Sheriffs Costs: $68.5 8/5/2014 Shelley Ruhl Real Estate Deputy Matthew L. Owens Solicitor Commonwealth of Pennsylvania County of Dauphin 13 if.et ?L t f Dauphin County 101 Market Street Harrisburg, Pennsylvania 17101-2079 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Jack Duignan Chief Deputy Michael W. Rinehart Assistant Chief Deputy BANK OF NEW YORK MELLON, F/K/A BANK OF NEW YORK, ET AL VS ALAN J. MCCULLEY Sheriffs Return No. 2014-T-2175 OTHER COUNTY NO. 2014-4440 And now: AUGUST 7, 2014 at 10:07:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon STEPHANIE D. MCCULLEY by personally handing to STEPHANIE D. MCCULLEY 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at DAUPHIN COUNTY SHERIFF'S OFFICE, 101 MARKET STREET, ROOM 104 HARRISBURG PA 17101 DEFENDANT VERIFIED GOOD ADDRESS IS 172 BLUE JAY WAY, HUMMELSTOWN, PA 17036. Sworn and subscribed to before me this 11TH day of August, 2014 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Karen M. Hoffinan, Notary Public City of Harrisburg, Dauphin County My Commission Expires January 8, 2018 So Answers, AVA66/C____ Sheriff of Dauphin County, Pa. By 1 .-P ,PkjiA Deputy Sh ff Deputy: MEGAN TRITT Sheriffs Costs: $68.5 8/5/2014