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HomeMy WebLinkAbout06-2903•~ Pluese, Becker & Saltzman, LLC Rob Saltzman, Esquire Attorney Identification No.: 53957 20000 Horizon Way, Ste 900 Mt. Laurel, NJ 08054 (856) 813-1700 Attorneys for Plaintiff WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY O(>D - ~4C~3 ROBERT B. THRUSH Defendants. CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED M COURT U YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH N THE POLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20 DAYS APTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTE G A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY ANDFILINGTHE WRITING WITHTHE COURT YOUR DEFENSES OR OBIECTIONS TO THE CLAIMS SET FORTH AGAINST Y00. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A RHHiMENT MAY HE 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 PLABJTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. NOT[CIA LE HAN DEMANDADO RUSTED ENLACORTE. SIUSTEDQUIEREDEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE (20) D1AS DE PLAZA A PARTIR DE LA PECHA DE LA DEMANDA Y LA NOTIF[CACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA 0 POR ABOGADO Y ARCHIVAR EN LA CORTE SUS DEPENSAS O SUS OBIECIONES A LAS DEMANDAS ENCONTItA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDe ENTRAR UNA ORDEN CONTRA USTED SIN PREV[0 AVISO O NOTIF[CACION 0 POR CUALQIER QHEJA 0 ALNIO QUE ESPEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO, SUS PROPIEDADES O OTAOS DEAECHOS IMPORTANTES PARR USTED. YOU SHOULD TAKE THIS PAPERTO YOUR LAWYER AT ONCE. IP YOU DONOi HAVE A LAWYER OR CANNOT AFFORD ONE, GOT TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avrnue Carlisle, PA ^OU 1/800-990-9108 LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMEN'TE. SI NO TIENE ABOGADOO SINOTIENEELDINEROSUFICIENTEPARRPAGARTALSERVIC10, VAYA EN PERS ONA O LLAME POR TELEFONO A LA OPICINA CUYA DIRECCION SE ENCUENTAA ESCRITA AHAlO PARR AVERIGUAA DONDE USTED PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMEERLAND COUNTY BAR ASSOCIATION 2 LdxrtY Avrnue Carlisle, PA 1]OII 1/%00-990-9108 CNIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is: Wells Fargo Bank, NA as Trustee 1100 Corporate Center Drive Raleigh, NC 27607 2. Plaintiff is, or will be, the owner of legal title to the mortgage that is the subject of this action, and nominee for the entity indicated below, which is the owner of the entire beneficial interest in the mortgage: Fremont Investment & Loan 175 North Riverview Drive Anaheim, CA 92808 3. (a) Defendant, Robert B. Thrush, is an individual whose last known address is 111 East Pomfret Street, Carlisle, PA 17013. (b) Defendant, Robert B. Thrush, holds an interest in the subject property as mortgagor and record owner. (c) If any of the above named Defendants are deceased, this action shall proceed against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and/or executors through their estate whether the estate is probated. 4. (a) Theresidentialmortgagebeingforeclosedencumberspropertylocatedatlll East Pomfret Street, Carlisle, PA 17013, County of Cumberland. (b) All documents evidencing the residential mortgage have been recorded in the Recorder of Deeds' Office in Cumberland County, Pennsylvania. (c) On October 3, 2003, the defendant /mortgagor made, executed and delivered a mortgage (the "Mortgage") upon the premises hereinafter described to Fremont Investment & Loan which mortgage is recorded in the Office of the Recorder of Cumberland County, on October 6, 2003, in Mortgage Book 1830, Page 3693. Plaintiff is now the legal holder of the mortgage and is in the process of fonnalizing an assignment of same. (d) The legal description for the property is attached hereto and incorporated herein as Exhibit "A" (Legal Description) . (e) Pursuant to Pa. R.C.P. 1147 (1) and 1019(g) Plaintiffis not obliged to append copies of the above mentioned publicly recorded documents to this mortgage foreclosure action. These documents are, however, appended hereto and incorporated herein by reference as Exhibit "B", Mortgage. (f) The Combined Notice has been sent to the Defendant(s) byregular and certified mail as required by 35 P.S. § 1680.403c on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "C". 5. The mortgage is in default because the Defendant, Robert B. Thrush, failed to timely tender the monthly payment of $945.46 due December 1, 2005, and thereafter failed to make the monthly payments. 6. As authorized under the mortgage instrument, the loan obligation has been accelerated. Plaintiff seeks entry of judgment in rem on the following sums: (a) Principal balance of mortgage $79,462.51 due and owing (b) Interest due and owing at the $5,086.65 rate of 11.8750% calculated from the default date above stated through May 31, 2006 Interest will continue to accrue at the per diem rate of $25.79 through the date on which judgment in rem is entered in Plaintiffs favor. (c) Accumulated Late Charges $313.06 (d) Attorneys' fees $1,250.00 (e) Title Search $300.00 (f) Recoverable Balance $115.55 TOTAL INREMJUDGMENT SOUGHT BY PLAINTIFF $86,527.77 8. The attorneys' fees set forth above aze in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attorneys' fees will be charged. WHEREFORE, the Plaintiff demands: -- Entry of Judgment in rem against the Defendants above named in the total amount of $86,527.77 as stated at Pazagraph 6, plus all additional interest and late chazges accruing through date of judgment entry; and -- Foreclosure of the mortgagor's (s') equity of redemption and that of any persons or entities holding or claiming under them and Sheriffs Sale of the subject mortgaged property. Pluese, Becker & Saltzman, LLC. z ,Esquire or Plaintiff I.D. No. 53957 NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the act), 15 U.S.C. SECTION 1601 AS AMENDED To the extent the act may apply, please be advised of the following: 1. The amount of the original debt is stated in paragraph one of the Complaint attached hereto. 2. The Plaintiff who is named in the attached Notice to Plead and Complaint is the Creditor to whom the debt is owed. 3. The debt described in the Complaint attached hereto and evidenced by the copy of the mortgage/note will be assumed to be valid by the Creditor's law firm, unless the Debtor(s), within thirty days after receipt of this notice, disputes, in writing, the validity of the debt or some portion thereof. 4. If the Debtor notifies the Creditor's law firm in writing within thirty days of the receipt of this notice that the debt or any portion thereof is disputed, the Creditor's law firm will obtain verification of the debt and a copy of the verification will be mailed to the Debtor by the Creditor's law firm. 5. If the Creditor who is named as Plaintiff in the attached Notice to Plead and Complaint is not the original creditor, and if the Debtor makes written request to the Creditor's law firm within twenty (20) days from the receipt of this Notice, the name and address of the original Creditor will be mailed to the Debtor by the Creditor's law firm. 6. Written request should be addressed to Pluese, Becker & Saltzman, LLC 20000 Horizon Way Suite 900 Mt Laurel, New Jersey 08054.. Attention: Rob Saltzman, Esquire VERIFICATION The undersigned, an attorney for Wells Fazgo Bank, N.A. as Trustee, the instant Plaintiff, or its servicing agent, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint in Mortgage Foreclosure aze taken from the records maintained bypersons supervised by the undersigned who maintain the business records of the Mortgage held by the Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 Pa. C.S.A. 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. n {Y ~Q l/ ~' Dated: I 1 ~ ~~-' l By: R Saltzman, Attorney for Plaintiff Current Owner Search Page 3 of 3 DESCRIPTION ALL THOSE CERTAIN tracts of land with the improvements thereon erected. situate m the Second Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. is ON the East by lot now or formerly of Mrs. Jennie Burbank; on the South by East Pomfret Street; on the West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Hollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. Hollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches ut front on said East Pomfret Street and extending in depth 94 feet, more or less. BEING Improved with a two story dwelling house known as No. 111 East Pomfret Street. "TRACT NO. 2: ALL of the nght, hlle and interest of the Grantors m and to all that certain Jot of ground adjoining Tract No. 1 hereinabove described nn the West, the same being 60 feet more or less m length and depth and 4 feet more or less to width and having thereon erected part of a one story frame back building. SUBJECT, however, to such recorded easements, res[ricUOns and conditions [hat may apply to the afore- described tract of land. Being Parccl No. 03-21-0320-026 ~x IA/"r v / `~ .~---- D~ p,..' =~.:rr 1 ~~ `~RUND COU';7Y-~ ~~ ~3 4Ci 6 PI112 9y 19epetnd B.r. Rcmm To: BARBARA LICON FBENONT IYYEATNENT A LOAN P.O. BOI 3407A FULLFRTON, CA BYAB4-34DTA Parcel Npmbc. AAY1D320028 10DODA269A IsM...sle.lTttf Lne Fa k.ardAe Dual MORTGAGE AsLV 7001944-7000062658-6 DBFINTQONfi Worm vsod in multiple sacvun! of dtu dncmllekl Ye de8nad hetow nna dma words sle defiled in Sectnns 3. 11. 13, 18, 7A and 11. CesC&t lulee reTardlDB Ors ussge of wemt vied iQ thi! dtxnmOn oee also provLled in Sawn 16. (Aj"SacaesgTDUtlwemt"meamtkiseocumrn4whichivdYr000TDbkr 9, 2D03 mgetAO wipt au Nidccs m Odldoaompm. (Bl "BOrruwer" u ROBERT B. THRUSH Bmrowa is wu mtrngagor undo thi! Seauity inSltlYdeJtl IC) "D31i7tS" is 14orsgge IBabooic Ilegtsvkppn Sysknt7. OPC. MFRS u s seFande mrpaauoa VY! u: xvnp aokJg as a tmnmx for Lends Ind 1.under'! succes~n and alvgnc. MLNB i! ehe mortgkgee under Wi+ Secntitg In-+tnmmt. MERA it osAam'¢ca etb WudnD mldrr uY ldrv! of DtYwue0. wad hea av rldross and telephpte mm~ba o1 P.O. BoA 2026.1§inl M14850]-3026, al (686j 67p•MER3. PE)m9Y4VANIA - Dlnplo Fnllil7r - hnnN W e¢rlddls Nw UNIFORM IYSTRVYENT WITH NENs Farm 7pl1 7Nt (P~-dA(PAj lszln veoe l el le IMLM[ n I~~~I~AM1~t1 ~~ VMP MORfLIeCIF f0ldl.lefeµal-ItOf . ~, r•~:rss~b9s ~f~~ !D)"Lender" bPREMONT INVESTMENT A LDAN tsndor ire CDAPDAATIDN agonuca and catsmg mdar die rows of C-LIFDANIA l r.ar'98rldlaSH iS 175 N. RIVEAYI EV pRIVE, ANANEtM CA pYSOD (E)"Nate"meet the pmmnwry nee n60edby Bortowu and dajod DetoDar 3, 20D3 1haNotasmmmareoa0.vowesl.adarElpbty-Dn0 TAousand sTd NO/1D0 -- '_________________________________~_-___.__--'____-- Doaars (U.S,S 01,000. p0 )plus NtaatllUmawer bas promseamyey div dcbtmlegufarPrnoduc Pnyn~ts ma m pay the debt m faD not loo: dmn October 1 , 2097 <Ir) 'PrswatT" mean. du pmpaty dint is desgffied bnlor.' mtdcr dte heading -l1'n1~el of Riglds a tAe Jiopety " (G) "Loan" mints Ne debt evWmrxd by the Note, puns wtecnt any pteOaYmmt .barges and }ae merge due urMer do Noa, and aA anma due odder Wis Senusy [nNUmcs4 qua iamteat. flT) "Rieeis" mama ap Rides m dtic Savtlb rnatntmeat Nat etc eaecmad 6y RorrawU. the to)bwing Aides xe m Ec axrLUred by I)orsowc [check boa ss applipble): Adjuc4pleRae Ride ConaomWun RWa Secmd Horne Rids BaAoon Rida Plamcd UMt DcrowpntmiRider ~ 1-a Pamdy Rids VA Rider 8iwarkly PaymantAider ~ Odta(s) LmemfYl (!) "Apppmbte I.aw" mmna oft conOODing eppDCahk (adarai, lints nut uocaj sisMwa, s, ordinsnom mW admims0aoye muv and moos (dm have t-e cffen of law) m weA a9 etl sppNuhk fuw, net-aepppmtabk judieisl apintoty. [J) "ContmnaulY Asmiialba Dne; Pees, sod Asswmenb" mama sl) onra, fax, asses~enm and oma dar8e+ tkm era hnna^cd oo Bpllawer a the Property >h' a candomhiiam avoaatnn, Coe,Wa'nncs aawcisosn W ebeDM~oagmtuaeon (R) "FJeWOnlc pbstde Traaskr" moos mY vassfoi of futyja, adw dten a ttansoxon onphmed by check, me(t, or sbaily papa iwWmrny whk6 i+ midemd dnaagb m elavoroe wmmaj, vkprmre mseomcra. computm, or rnegoede t+0a rA ss n order. ln9mRt, or outbonu s Finwtial {OSbhrdMt m dehit a uWb m atWm[. Socb tam ncmdes, but is mt ]adije6 m, Padsbof-eila naarfeq mmmercd N.lkj mecldne 7an.Slcdma. 69t6fas inilia[M by Rldpbane, woe 6ooCye, erd autwtatrC cUminglmuse mnNCf7. (L) "P1tTpr+Tiems" mcma those ircma that vc dasulhrd in Seniors 7. QN) "M15ceDpaeem ]?Quads" meets mY camDeABAbm. acewnem, erard of dwwgce, o[ p[oceods paid Is snY rhea pmt (other thx, insmVKe mxaa+ paW want dre covasgae aesonbed m Sawn S) tor. (~ osagge m, ar desoncuon of, the Propeliy, Cd) ooiWr+m,nnon a eilwt inking of sR w any pan of Uie Pmpaty; (riq conreytnu m lieu of conaemneDOn; a (iv) mtsepe"rnmrione of, or ontdsiom N tq dse value mtVor t:onaidon of NePmperty. fM "Mortpdge IAluraoce" mans tnsarsnca ptotatiog l.onder against the uersnymmt of, a dcfaun on, Nc loan. 10) "Periodic Peymml" means me legulary snc~dukd ada0nt doe for (i) prmetpa! end tatesest uodQ the Note, Dlus (ss~ any ummma undo Saum 3 of this Seeunty loammwnt wnua ~~aA(PAj Nme~ n.o.[a ie Forn9BIA 1/0/ ~1~"9~969~6' , (P) "R65PA" roea¢s rM Real E;lae SeMeoKat Praedses Au p2 US,C. Sceaoo 1601 n segJ nsef Gs Irttpkamehsg srgrtl~on, Regtdocpn X (24 CFR, Pare 3500), as dww might be u¢aped Wm nine ro cme. or enpp addinorml or wceeaem isgislmton or eeguurba rN¢ swains Jk sine wb)ea moms. As ueN it dlis SccurAy Immwrreusr, Rt&SPA" ie(en n e- requ¢emwtl a1d «stltatiw.t mu me Mpoxd a eegertd m ; "fedenD_ Dy rebud mortgage losl" nrn it Ne L¢an aoes ror 9wEty as a 'JcOVaUY rr~d morrgag¢ lopr~• nsqu PA. (~ "S¢eetswr m IDiertm of Borrower" means mty pmy dun hne uken dtk n the Aopesry, alrMn o1 not that pa[g bee s~srm+rd Bonowa's ohDHOrbw unaa thbNOm lmdJor Aie SeomnP 7ne¢nacnr. 7RMlSF9t OF RlCitiT3 AI THB PROPERTY This Smutty Tnavumenr secures m taeacr. (s) the rapaymsnr of fire Lovn, and e- mwwats, estwwmu aM m¢ddigrva6 of the IVa[e, and !ii} the paformaore of Boreower's wvenmru aoa ogrearnenu Dodo this Sesdry [ISanameet and tAe Nom Tbr dos pspose, Boaowac doa hramy mortgage, gmnr wd convey m ME'RS ~sokfy m nom;<w Js Linder inn I.eMcr'& asruaeon e¢0 assigns) and b the s¢scrawm aed ass8gna of A7};RS,the fo0owing anrnbrd property neatedm dk county pyredsocaaha l+"rdedml of CUN86RLAND iNmte ern"co.a7.s+w.ew;®p SEE lEOAL DE30RLPTfON ATTACBEp HERETO pRD NApE A Pppi NEREDF which csusenay 6m the iddrW of 117 EA$T P011FREi ST lam„ CARLISLE le.eyt,Ponneyiwo~s Rsre"art ("Noocrty Addrem~: TbC:ETTlBR TV12'FI all ipe nw m Aemlter eropetl o¢ Iha psopsty, W aB casanerm, eppmstlswna, and fit¢rrn now oir hereatvr a pen of ¢m p~a~sy Ah +tpklwswnr+wd addlrbro eme um be sovaW by Psis Secuay Bsweenrau. All of dte totogains is sefmm m m fttis Sx¢tiy' Tw¢umral u Ih¢ "ROpmty," ~orNwq Itederet;¢de evn ¢gsses firer S WId6 Doty kgor tide m the 1mae6iS graltred Dy Boauwet io thu Sawxy trunamset, bur. if oera9ray m rorrtpry evidt law of eoatpn, p'tE:RS (a u¢mam for lender and Leadrr's s¢es¢+w[a aoa magna) fens me C m exerdee anY or aU of thoeo lokreatl, mdodiris, nut nor Emnea n, tpa nghl eo feandoae and seIl fire . ana m ta'Ee amt aeon «quime of Laweu nrcwdiog, bur nor Iimlred m,rutuhs8 orq oneeling tnie Svc Irov¢ncnr. Ne1V,: ~~aa(PM lexon rrorea le Ferm aDL IIDt ~~~~ •! ]iORROWHt COVENANTS drat Bonovrcr u uwfndy seifd of Ne esdvc heebv wnvayrd add tw the nght n mortgage, grant ma convey the Propety and due tae ProDaty to ttommmhmW, axcgd for eocmhratcw of record 8®owu wsraou and wdl de(eod gcnaagy the dtt< n tba Property agn6m a0 ainima and demrdd, sttbjort m arty mcmtbranrei of retard ]HIS SECURITY INSTRLJagN7 comblma uniform covwn¢ fm nmotm use aM roe-unifoon wvrnm¢ wilt 16nitea vadgitau by ~isdietrrut b coneuttru a unitwn scrnrirv nstnuncm mvmmg real propwry. SIAlIPORk1 COVENANTS. Boaowa aW l.enocr cevcam[ and agave as toDowe ]. Payment of Prfnctpay Ialervat, Escrow Items, Rryrymmt Charge; and Late Chargrs Borrows shall Day when doe Dte ptiaeaul of, end mtraeat o4 Ih! deb[ t:vidaoaed 6Y dt6 Noe arts arty prcpeymmt [Wages and ]xc ebarges eve under the Non. Batroxa duB oiso pay ftttno for Psaow lams yinsuant b Salon 3. Peyaamu doe unaa tlw Non and des Secnnry [uatnadent eheB be made W US. w¢mey- However, if mY cboea or outer itfaDOmms reocivra by Cartes d paymrm ands she Non a this Senuuy metrunrml u rermned b Wrier unpaid, i.atder tttry rcqu'ue thn my m W m6xgtrnt pdymm¢ auc under t)w Non: sad dun Sauna Invoamens Da made m one or mac of the Colmwmg forms, e9 adaxd by [elder. (a) ash: (b) money ardtY. (c) caufad C6acl4 Dads cbecg, steamer's eherx or cadiia`s meclt p+avidcd my melt clrvt is drewn woo m medmtion wdwc awadta ae foamed try o falser ogency, inarcemmWYY. or ennry; or (d) Elaswic FmW 7tmate. Pnyatm¢ am dcNnOd [adved by Lrnda when received a[ Ne nembn aeaigrtord Id 0e Nau m r Bach odru !Damn u may he araigruted by le+wer k auwsdance wkh the mutt govisimr ~ Sadod IS. i<+toa may rmun my pnvman[ or pmrol p'wmmt if Nc payment orpatdal pgnKau aro insaflisicm n brutg m l.mn euuent I.araa mar xceps my )nrrnen! or Dardat payment van(Buent b bring the !.Dart cuaent, wiNOOt walvsr of try nyltu haamdv or pepNtco n (u righ¢ m r[fud: ntcb PeYmm[ a paten! paymm¢ n nc funtro, bns 1.Cndar w aot abBgarcd n apply ap6 puvmmu m da ttmc sarJt pgmma aro aamted If rash Pernrdic Payment is oDPlira as oC m stdtrdded auo dart, Nm Lsda tram am Dq' iolgea on tmappibcd fu+dt lenaa may hoM such tmappHod foods until Bovowa ratdvs WYE m hing the Load avant H Bovowa noes nos do m widtin a+euonaDle patod of ltnc. Leads shag lulls apply such fudds m remm Wan n Bortowv- Te nos applitd twli¢, eah funds wll he apptigl n dK Oti¢uaddig pmopal bawtrs itMa the Note idmted'wniy prior b Portclomre. No oH'sa ar r)aot which Borrows might here low or is the ramie agamn lender stuB relieve Bo¢owa from making peymenu aso order the Noe ntd this Setwiry Nsmunms a pafmming ttw covman¢ Ma agtetrtwtb sawed by shin Saavry ldsmunmt L AppEeanDn of Rylaawty or Proceeds. Bzcept a9 omawue tlracaLed N shu Strom 2, ell paymrnu accepve and appled by tadsshag aapplied -ut me Poilowmg only of prbriry: W lntaeY sue coda etc Non; (b) pratclpat due tmda the Nom; (c) amannu mm under Section 3. Such PaYmea¢ dnB he app11t0 m meb Penatie PaYmrnl m lie Oran fo wbich a actame dna Anv remammg emomrm shJl be applied fin! n late dmrg69, ,V-read b My adla atnamU don a11dR n0 Sa1nlY Infmtmaal, ®d 1{Im b redYCa the pIb1UDn baimtcc of rite Nora. I[ lendce trmres a pevmmt from BoQOwer for o dalinqumt Periodic Payttaaa which !slants a eufficimt annum b Pay aov Imo chmge dtu, site payment troy be eppticd m Vro dcgequaat pymetd and the late charge, ff morn tAda ono Paiodie Payntettl u ouutoaGng, Lendu maY aPPIY my Pn7~ e~s'W ¢am Bn¢awa n the mpavmont of the Pcmdic Paytttmta if, and m the exunt shm, each mymat am !b paid in Moan ~aatval parq P.V ~mn Fern sons /N1 fu1L 7o the talent mat aety easx,9s caeU afar dte payment la app3ed so the Iu0 payssrent of one or more Ponodic Paymrnn, each caawss mspr be applitai m my vu rhmgas dva Voluntary psspaymmu shell ba applied Pon m my patptymq,tdwpra emdun as dcwibod is me N«v. Any eppticeaoa of peystkab, mamma Procsdds, «Miocdavuata Apceoae m p,btopel due undtr me Note ebaU not wttcnd w poaryma dte due dam, «cbmge the dooms. of dte Parodic Itpmeam. 3. Fonds for BsaowlMU. Borrower ehatl per m Lcnav on tlw my Pertodk Ftiysamu ue du9 t,Ma ate N«e, unol dte Nwe a pain in itdl. a ettm (dq "Pmda'~ m provide fot pdyatew M mpmu dx tor. (o) urw aaa afeasmmm taN OIhK tklag whitds em anuUt mitahY wen shie Soawhy Wvtsmm[ as a lien or encumbrance on tk Aopeny: (b) laeehold gymmu « ground tans on ate Property, if my; (q prarmume fw my sad e116m,rwKO etqulrW by Lender md« Senior 5; sod (d) Mortgage Ioesenec pttmimu, iF my, Q my asrm peyabla by Brnowtt m Lenaw in lieu o[ Um payment of Mongage L,smaMd prentitunt m aawdmce wish r1a prssrLiw[s of Seeoon 10. T)rae item ve celled "HSaow Ivau.' wt odginesmn of n my thnc 8matg me vent of sx Loan. LcMm tmY tratma mat Cmmnunity Amciatioa D,sas, ~. and Assasanmcs, if my, be raadwed by Bomswer, n,d such Duna, Fws era ussasmmk shaA ba m Hxrow hem. Hatrowa seen proopdy fmnuh m Lrnxr eU nobca d amout,ss m be Sand vadv mi! Sarion Boaowv ttwB pry Lauds rtu FYrtae fw Fsaaa Ittam ,ttaeal Lmatt waiver eotrowar's obBgYmn m pay me Fonds f« my « aB Eacmw Irom. Lender euy wawa H,mosva's obllgnom to sxy to Lends Fimda for mr a W Heaov Items a[ my tbrw My eoeL wwret may only is in wtiG,,g- U the avow of wseb werva, Boaoww aluL pay d"uocy, when end wbem peyobb, me amoaab ant for ®sY Fsttow [tans f« which ppment o[ Fonds vas been vamrW by LmM! dad. if Inutu tagma, shall Cumish m LeMer ttrdpu evfdmting mch pevmmt wL6m such dote pviad ar I.enOR may [equm. Bovow:a's dbligadon b matt eaeb peymrnO rota m provide rccarpb sbeB f« an pmposm bG deemed m 6e a mrmm,t ma sgrrmWt ton®ad m orb Sae«uy Imtrttmm4 u dm phtasa 'anvemn[ and agmemmt" u used is 9ssoon 9. U Borrower u oDligewa b poy Feraow rsme tYvecsy, pmntmt m a waiver, end Borrower idle m pay dre amuws due Fw m Bttrow acm, Lender may awci9e us dBMv ender Smpon 9 and Y+Y such momt dad Borrower shall them he obBBavd mad Saooo 9 m ropey m Lander any snob amount. [aoM'i mar moat Ibe wawa as m enY w W $ppw Lem: a[ any Data ai a whirs gi.at us nmunmwvrith Sernon 15 and, nPm suds tevowae, Bs,tsowrr droll pay m Lender eB Form, dad iw ac6 momu, Ibat are Iben tagtmrd errdcr tlds Sutton 3. [coaw may, at mry dm0. en71at end hall P,tt,da ut m mnoanl (a) nt[Bden m perms Lerm~ m ePP1r dta Fords at the tore specifmd undar RBSPA. and (b) nw m ceded rot masioun amount a knaa can 1muCe undo RL+SPA Lends dun asduste mC moon[ m floras due m the tans of nurrm dau ami rempnebb: eatimave of otpeidautM of tamteEsaow Items w «hawise n mcprdaom wim wpplhabk Law. I'ha FLnas shill be Add in m it,snmsion wbme depadn me,mmcd DY a fcduai agrney. mavatmmuliry, «entity (including 1,atda, B' Lender 4 au irmmtim wttosa dcposiu nR so inswcd) «h any Trdetal Nome Laos Bam. lendu duo apPlY ma Pintas m pay dte 8xrow Innis sb hoer ram me lime lPr~ned mad RESPA, t~aQ lhdl nat ebarHe Booowtr fw IaItYn6 and aPPlying ,M Fm,da, m,nmav amlym6 dte eaaow xeoun4 or verityirtg ma Escrow lams, colas ineea pays HoaowQ iataea on me Puma end Applicable Law DetadB Leaau m make such a Charge. Umtae w asrmnrnt k made is wrisng w Applimbk isv sanaire4IDlueat m Ce paid an itw Pmwr, l.rndn lneB dot iK reQalrta m Day Bonewa eaY InVJa9l or cematgs on me Pt,,.n. BoQOwQ and I.cr,dtt ras agree m wilting, bowevtt, met Inluast snail m Deis on dte MbH: !i z_ ®-ew(Pallcrao~ rq•e"i is T~~ Feral lnaa iJO1 ~4:1.8i39PG~~,9' . ~ .'_. Fond. r.endet slta8 P•e b eorrowtr, widper chorea, an amaal aaeeunting of the Fonds w ¢mmW by RBSPA. if e[tre 4 s 9lQp1nD of FmN Kld m t9tiow, V deatita Vane RB.QPA, fende aheH eCCOmI b Horrnwu for de das. fmms m accmJena wish RESPA If Nae u a tAMbsge Df Fande held N eitrow, u dafiMd rmdv HHSPA, Irndtr shell nody Bot[awrr n requued by RPSPA, and Bprrbwa shell pDy m tame rbe omotmt necessary b nv!¢ uP the ahmbgo in eccaadmm with HHSFA bat m ro mase then 12 monddy permants. JI d[un b a defidatry of Pings fieM b tsaew, m defined bnda fu+sPA I.ema sbsB nopfy Sotrowtr nr regmtcd DyRBSPA, and Bovowtr atoll pay m [,coca the wmon[ nrtaeory m s.'re op ito deBclerrcY m accordance with HBSPP. but in oo molt rhW 12 manthry paymmo: ugon peymrnt m fob of aA soma scored Dy dtis 9~nisy Inaa'amCnt. Umdtr aha8 promptty refmd b Bmrowu mr Fmde held byLmdet. a. C6uretai L1ene. Beeowtr ,shell par dl mxet, asseaaarnq, chmges, 1'mv, eoa hnpoaitions apribumbk b the Proptrry which wn etmin prtanty ovtr prix Secunry lntmmtmt. reasehom paymmb or grouni ra[u oa ire Properly, ft uay, a[d (:ommtmity Aaoc[saon Daa,Feq, am Atrsammu, U eoy. To the entenr dud these sutras me 6aaow Ibma, Borroaa tlmH beY thaD m pm nmma ptaYided at Scuon 3. Borrower theB PrmnPBY m9 lien whlrJs Iw PnoM' ova do Sxuoty Lsaetwrw atiw Bo[roaer. lA aBcss m Pvddng m pm PDYmeat of du obligmoo eeanted by the Bee m a nrmov ateepmbb b i.yder. W l rmiY so tong o 8ovawtr it paformmg ~ egtremenC (b) Crmmtu the ties m good Faith bY, m Defends agaitrelenfommmzaF dse Spn m, Ygai Jnocetdtngs rrmdr h l.wma`a apuum operme m woYent me ebforerment of the lien whlk thine prowdiogl am paMhsg, Dw oNy anvil such proc[xdmgs ace ranelDdeq or (c) zrcaw from ~c hallo a(tM im as agraatae earisl'orsozy m Lenaa ssbadinatng dw 1's[a m this Seaanry LKm[ment 1I I~adrr Mmnbes put ae7 Pm of the Property u soeJen b a 8rn whicA ee[ wino p[roNy ova thu 9am[ry (amtmras4 Lendtr may grve Sorrovtr a tines idendfvi[sg dse &n. DY'mdn ]0 cart M rho dram on whim mat tsake b given, eorrowtr shall sairfy Ne Ikn m rue oat a more o! the lGnOnP aC[ IO[d[ nbnYC m mt6 SGCnOG 4. tsoda may mgpw Bormwtr b pay a oW[ima ehsge for a seal vote mr vmficauon andlor ramreng renlre usrd by tender m mnnezmn olds Utis Lose. 5. Property Lweranrx. BOabwv ehaH leap dte irDptovaneno Dow r:xizling tr hcrufrec crated an lain ProPml' ]sonata ggatnat bm M foe, hararm mciadcd within the loin 'egtamad eoveragq' cad mry Dirt 4azsvm mciodibg, hm nol linsttdl m, uMgoaty and !]Dods, for which lrrdcr rcgwm ptnrraore_ 1Lv uuuenee zfiaH 6e roaiambcd in Use amomb (hlChrdlag dCdlkpble ]owls) abd tin rho pedodv W[ gendrr rapsuea F'ha Lcndcr regma prnarent m m0 praMiag eentcnw po chagge daring trrc ram of the >~, ]be innuenca rsrtia pro•id'mg pre ittlraace ehe8 he ehosus by 8orrowc szdzjcc[ m Lasac~s right b dlsappmve Bocowa's choice, wbich ogh[ shell nd oc ezeressed umnaonDDly, l.cDG¢ mry re9mre Horroacr m pbY. b wnnocdon wWs ids Loan, adstr: (a) o msodmc charge far (bed tine daumoratloo, wd8wdon and netting satviccs: oP (D) a awtlare ehsegc rot Ibad mne deteunsnabm end casificadoo ttr.ices mo subsequral ehmgm each rims mwppnp or eimbar changes occur ahcb reaaooably might alias .arch dclmmmwon or rudBmpan. BOltbwtr ehs8 aHO bo teelmrrobte for the peYmeet bt any fus nnpoDed by pw Federal Pfnagawy Mmogemrnt Agency m ronncrnon with me review of mry Isoo6 zone dda[mneoon tesWdog tram m bbject)ao by Harrower. wtw.~ ~gnlPAl Neaq PPO. P•r.Y Form DDDO Pfbr ~: ~1839PG3698 _~ V J ~~~ ~ ' " )f Btarowa faib n ntemmtn any of me mvaagas emamcd above, Lava may cumin i~tmna ro•aage, x LcMa'a apron and Barowa'e apace. Latch m bttda tm obligapon m pxchaec any peakVla lype a mtouns of aova6ge. 7Terdae, sudt mvaoge shill cave[ Isaav, xtl tnsgbt x might rml patat BanOwet, Botsowu'e Mtt[[y m the RoPesq, a NG epplatte N Ilro Property, agotnvt any °sk, haraN at ItahlNty nail m)ghl provide gleato of Ie4eQ eavaage than tve9 pteYmuaV m e6at Bartawa arJmpwlsdgw rtes[ Ipe cos[ o[ Inc inaaettce covatege s olttamod mighs sigubuantiy exam the cos[ N utsrawm tMt Bapowa wild havo obmnm Mr moony dimmaed by Leader ttnper tpLr Scam 5 shall beattne addidooai deM of Barowa lamed by ma Saimsy IIa2aWrleai These amamw shell fleas bdaeat m the Nau rata from the dnm of d'nbnncmatt and slwB bo payable, with stsdt mt4esi apse notlbe fstnn 1-ama m Bmowa rcquaaaa6lWtcenl Ae insmancc pdiciw rtguued by I.coea trod rmtewux of mete polciea eb.H be AtbJtet m t..mla'a right m diaoppaove mete petkies. shall monde n ametlmd mongsge eioaaa, and atreH tmna Lamer x mMigaga antlhr ere an addidonof bss paves. t.atdw aheB have the right m hob der polr©m sad [anatrel cad5rttet If f.at~ tegWres, Barowa shoes promptly give m alder oD tamipts of 1/afd pnaaitwo stn mawet nosnsx, If Boaowa ohtama any Corm of kwuaaa rovetage, trot otpeswts sapmed Dv Latda, for dxnege m, or dwtraedan of, me Ropaty, mN WpsT anm aeixse a sixMmd mongegn rlauee and ebee none Intoa ere moagagee xtdlot m m ndditiaW sWD papm. N me even[ of laati Bortawa 9pe11 give pomp napes s the iMm.Vra ca<rirr and Ianda. isada rosy mnice goof of loss if cot made pompuy by Bavowa. Uplesv Lama and Ba[otva othawuc agree in willing, any msumncc pmrrrdv, wMNU or rot the tmdalYUtg inedtanee was tvq[tncII by Lwda, spaB ba appBW m sesmsenoa or Js&~ of the Ropetry, if dte mmmdoa a ropes is eeonannaBr [wuble xN Cannata smodry n rot ksawcd. Ihtrmg srA teposr and ravnradon paloa, Lads sha0 ha•c me right m honl seep me®bCe pcaevals rods l.eada hay teed en appmmtwy n melrc[ atrM Ptopary m vnenro me wrote has Dem rompkua m imda'a aaasfaclson, pso•Wed thx sacp inspecdon Aieil Le tt[toenanen psompt[y. Lettdvr may disburse prots:,is for We sepeae aro tuWrauon b a angle pnymem a m a aeries N progress paymeals as the wodc is compiotad. Uttbss an agaeetxat is mace m vailing w Applxable Ines rogoaw maaeJt m be paid oo at2h dtsnCar[ca prods, f~nd[e spaB not be requ¢ed m pm BdooWet amt inVres[ or eatnmy os sap ptaeoda. Face fm poNle aQjeeterc, a other thud papa. reatlnrd by Banawa shell not De paid op o[ me insurnbec proceeds end >Ta0 Da dte min oltligeuon o[ Bouowa. IC she lwm®doo err sepses w no[ aonotntcally CwsiNe or Leeds's satmO woWd be Iceeraed, the Nsuraott paee& sha0lte opplind m the soma anttrd by thie SatnhY ]aaamrKla, whcUta m n0[ roes uuy wim uw n^"•, H any, paid to Hortawei. Stuh numanee Drowras sag he appBed N 16a arch snovWed for m Sadon 2. if eotrowa abandons the Aoper[y. l.mecr may file, ttegoWb anu mute Ny aaBable mattance e)ttim and naued aortas. H Borrower sow cot tvapond witpiu 30 days m a npom dom Lmav Iha the mmmocc raasa hw offend n srnsc a clekrt, [hen Lends may aegpUnm arm sole the C1NIM1 tiro 36dey pasd wHl begin whm the ntuirs is gr•rn. m odta event, or if Lrnaa aegada the IROpary roper Section 22 or Omawve, Boeoaa haetty assigns m {.CM[r (a) BOfeawa`e nghta m any tneurara aroeeero m N maUl[I na m dal[ me xnomra uvpaid undo me Note err this 9ecuray fnsnmmt, abd (b) any other of Borrower's ngpu (othu man the elgb[ m any xefu~ of UtwmW arrmiutna psid by Bortawerj under all irtsttsatttt poGda covemg the Roperry, taofx u ruck rlghu art apPliwDSe m me covaoge of dte Itolaxty. Lender may uu Ne msmmtrc praeeds dma m repidr a restAre the eropaty a m ply aniotata rmp.ie roam des Non m this Setvnp~ Ltronmsnt. momma a trot wren erne. xr~ ~APLalJrxea r.e•t.rn Form less tlbt BK1839~4G3b99,. _ , , . , a.Omepan4• eorroa¢ r)tell ocWPY. esmbgar, arc ttec the Psopag W Dorrowu a pooaoairtmdhicc widdn 60 tleys afn:r the ezeeulion of tid^ Sa~any hadmomr a1W shalt e00®me b otsopy dte Ymperq m Boaowc's mid rcddutce fa st kau one vmr tsher Um d^s: of oaupatcy, mdras rendta onc~wisc nhrcee m wrirhrg, whkh maaea shall na he nacbettablY wiUrAeM, a oasts ex*eawhug ctscsmututcm exllt which w beyond Borrows s mnoo6 7. 14'eeen'.sine, Mdnseaama and Proteedon d she Property; Isupctiiom. Boaowct ehaA ntx de.+troy, mmngc or unpan dte P3opary, ntlpw the Nropaty q dnlecgtae a tmmmh wssu rw she Pfoprny. Ync~dnr a iql Boao••'Clr reading in dtc P7tgctsy. Bmower emtll roadstavt dtc Napery b aec q merrrn dtn PrepatY from aammatlng a neermsug lavahse duc q {w rnndidon. (tN®s n n: d^tvtMted pwaPao9 b Saran 5 thm repay a [eata^doo u not ocalomrtut~v (eaabk, Boaowtr shoo prmmpuy reps mehrephty U dnmagad q void fiapter msesror^wn or demeSe Pf tentr^tteC a tgndCmWnaa psacads >re paid tr wrgecda Mu, damage q, o< pq plans d, the PYOperry, Booow¢ stall be seapnamle mr nPetlnB a resrarmg dle Property otdY if I.end¢ h^e reiwad procewsfor sixh pupose+. Lander may dtshlvec Proceeds for the i[p®e and rcdmmcon m a angle paymtva a i^ a eases d pmgrpr p^yntmu Y Um week ie compkma U ate Lftunwt a oondpomaon proceodr m rqt so[frcimt b lePerr a reamre the Property, eortowv u rgtrelwvsd of Basowa's ohligmim fm themnplaeoa d enuD repsa m rrralre^doo, Isnder a ru ogear may maic actlonabk carats upon end inrpxdons of tlq ReP¢tY. If 'e nar rmsonobk caurc, s.atdh may mspccr tta marmr a( dte ^npmrernenu a tM ProPeny, lend¢ shag gyve )rormwer ootnc u We tuna ota pMr n such an intmQ ineoa-dm spa3fyin6 rnco+woonnLln nenw. 8. Borr^wet'a Lao Appgnsioo. Bormrh aheH ba m dcfah U, mwlg the lean ^ppgcepon proeae, Borrower m any persons a entlora nedng a dm dtrwuon of Borrewer a wish Bmowu's mowga[e or consonc gave mat¢1Wy false, ndekidiag, m nuccnreu sdormeda a sateesatu to Lem¢ for fatkd q ytovide I.enaa wish matcrist information) in axaection whh dre lawn, 67ethial rrprWrAmdorw nr.Nwe.bm are nor liaumd m, rew'csensatione taa~ardn6 ]loaoasr`s oa.WmcY d the Property as Drnrower's pnnopa rcnidarCe. S. Prose¢too of Lrsdda Inreress b she ProW'tY and Rlghn ffndx this Secutrry IoskomcnL U (a) Bosroa¢ furls m pcrtam the t;ovmapU mtd agranwld ctlntemcd in rhw Sa9dty tmncnmcn4 (b) Ihho u a rogal Pmccadmg due migps stsnifineesb a(ftsn Irader'^ ia1a69t is dm Propnyr ^ndtnr dgbo end¢ duv Smoriry fo.9pvmenl (such err ^ pemed{rtg m ~PkY. ptpWta, fa enatlaaai(ron at for(eflue, to mdosttment of a lien which mqy em{o prtaky u.¢ this Scemiry insmrwaa a m raforee Incas m reg^fotime), a (c) Doaowa has ehemm~en ino AopMy, thed i,enar may do and py fa wWbvv b reasonable a oDpsnPr6ve to prdan Latch's mr¢rs a Itw Rophty W righR und¢ We Sasrriry Insntmtat6 inatt~g ¢otmdeg md/a wvnarrg the .a1na of dte Prop~Y, ems :ertu'mg YN(ur mpeaing me Propety. larWa`a actions can 1rKmde, but am ea limited q: (^) pa)H°B my atone ~d M o lien which has DaatO' over ebb Seraoiq lnsovmmC N) sPDrsrln8 m mac and (e) PeYm[ reasauhle ormrrtoys' (txa q prorxt its im¢rst in ilte Rophty ^od(er trgitp andN th$ 9^amry Pnrtttlmm6 rneludmg to secured poach o, a bennuPrcy P~l^6 Secmrrr8 Na tlopatq mcW4s, bnr a nor lirmnd q, msermg dre ]7openY q mmm rcp^ha, chmga lose, npiace a ttooA uD doors and windows. ttrsbt wNCr Burn pipes, edrein^ic bo{h1Vvg a omh oodc violanoor a dengpmu condtilaa, rb here ep7tdes orated on a o6. Ahhough Leaner mar mice salon mtlrr tNa Smilon 9, irndc dw9 tea lave u m eo ^rW b ool uaoa rate eery m Obligepoa m m 9n. It 19 agmcd 4691 [.eUde[ mrer6 IYD llabBhy fa as uking ^nY Or 80 acnonl aadneeaw rmd¢ ills ScCilan 9, .~pp~ MXIWI ~mea(Va)ioree~ vas•arta Form a07a 1101 AnY amaama diaDatatxt tY 1 ""^^ undo 0l4 Sccdmt 4 slutl bccwne addidmui debt of Boaowa aenmrd Dy ntlt Smaaity Lraaapltllt 7D~ce ynoma shall Drm h,Wymt s the Nola ram /mm ma dart of didneacmeat and ahaH be payabt:, wiN aurL inarsat, upon nonce Iran s.cnda m Honowa fegaraimg paYmeot. p.,.....,~ (f Illla """""l faatrumwlm On a Imaeh016, Bonowv Dhalf wmply wItI1 all du pmvalDAa a( IDE tgaE. Ir ]aoaowv aegogea fa Isle m rpo propesay, ue ImanoW and me tcc dale ahaV not maga aniga Lender agree m ma mrr8eria vnidgg. id. M+rtgnge faaa[antL ]F ].older regobcd Mortgage inwmnm u a cotdicon or meliog du Loan, eotrmver ahaB oaY ~ ptesgass rationed m tmintsb tTa Morrgegc Instanmz b cfftcr. IP, far ury moon, dla Mongnge tesleaoce oovooge rmpp[rd by Lender maaea m Do available from me anrtgye taamtr thal ptemodsy prwidcd aorA beermtce dW Htumvv wu mgatrcd m mug sepmattiy dargnaud paytrroan momma dm prmnatru for Mortgage lnagrena, Borrower shall pry dle premmma lequard m oataln mremge saaatnodWly cylavyapi m nK Mortgage Irreur®tt RCamprty m effort M a ms a,Damntkgy egai.aad m dw coat m Battowa of Ute Mattgage Snam~ce previmmy a eBeG, kom eo aYtonNa amragoge iuumr setrJCd Dy Iendr2. ]f aaDamntla8y cgaRak+x Mortgage Ituamacs coverage is am rvalkbk, Bosowet rhall wuaaue ro oay m [mda the aumml of the aepamtely demgnomd ony,aenn drat were ane when the irsasmee toraage coed m lx m dfau. Lenorr wHl at>mp4 ato and temm dlere peyawon as s amt-rdwdtdk bm save n ]ieo oI tdatga~a innaanca Soeh Ian teyaYE shall De oon-adwdaDlE. noewLhalmding Ne fan nut tlts Loan is Wdnumly pud to CuB. and I.rnder aedl mt be rMaired m pry Bortaoaa aaY mtereat or eamtnga ao axh b!a rwetvc.l.ender my ao Jogger requaC q# mxavs Inn it Mortgage Irwmance Cormge fin We mtatnt and for the pedoo the LendeRquaea) nf^vidcd by ao tumor mkema by LuMV agwA txemnu srmlablau obmined, andlrndm aEauiRa eoparmelY aaargnmaa paymcnn towed nc~ plvehaw far Mongege Ummnrw If Lendv xagoiad Mmigaga 7lutoaaoc a9 o condition of meting dm Loan aad Honower au regorged b maim ecpanvly armgnnvd peyrtratn ttman tae pterohans for Mortgage Insurrttt, eonowar eheB paY me premttttnt repu4W m pumtabm Mmtgnge Nammlee in oftat a mproride n nmarAmdabk bag Rams, amB l.eptv'e rogmremeat for Mongagv lnntonre rnu m acsordanca wDD ary vmnm agraanam txnaan 8onowa soe l.eager provbing for arrh tmrnrnadaa ar nndl trnomaaon is tednaN by AppgmDtc i.aw.Notkiaeg in dtm Sedtimr ]0 aHau Bartower'a obBgaaan m pay mares m dm qm ptavided k dm Note Mortgage lneaOds tWnDttnra faeda for my gmty Ilan pwohnan dtc Nom) for ommia kaaa.911 may iacm if Bta]owo Oota nmrepay the Inau u agxd. Bmmper N got a puy m the Mmlpge ]namaas. Mortgage aatmaa avWuare tlwr tomi risk oa all adr inaarata.a in force from time b Wore. and may soar ma agrmneau widr owar pYdee t6er sham m ogdffy Wain dt, or faduce ioaeea. 7Dde ag+ammar are on tome and cDadidaaa IDU am mtiafapofy m ilw matggge ;Hama and We othm pony lor paraa+j m Ibwc agreaneaR Throe t~ may regaaE nor nrorlgagcinsaty so vuke paymenm udng an7 ~~ ~ twins that the mortgage imm'o oMy have avaBabk l,wided moy ¢tetude fonds oeranW fran Mortgagor )ttsntatme pmnuama). M s IaOh Of ikalE agrccmenn, ILndC, mY 1>'~D%l++ of the Nare, anowv inaerm, my+caOarG, my othv mdsp, ac mY a(fsgaW of gay of rho farcgoalg, may raova (dtecdy or md'veedy) Bmotmsa thas dvivo kom (or might m +^^.....-.:.ed u) a portico of Booowv's paymema for Morrypga Innnano0. R aarbaaga for shining of trtodifYing liw mongoge im,cer'a 119t m indorsing roams. If wGl agreement ptovidea nut as offiiiam of Lender raker a aAaro of dm mauar'a nor m oaehongc rot a some of me pmmhtmt paid m da masaer, sM.aaan$tamnt 1] ofma Iesmd ^capd~E ~•••^••^'~•. • Punta: (a) Any gum agreemeo4 vsM am artect t-e amooae shat Dortower Du agrees ro pay for Marlrtage Ymnranae, or my oltur tvraa of the Loso. Snc- ogreemeatl wgl trot inawe the aroo®[ Horrawer wBl awe for Mon~gc lnaarence, aoa they vdd not eothk Bora,,.r<v ro gay relwd. IMY•.. ~•eMFA)axa! vra.axw Ferm ]o]o ra)t ~II;1.839RG3xal _ (e) Aay mri ^greemmo w1U oot altacl the tight9 Borratta bas - d ml • udtb reapecr a she Msrtgrtge lot7neea tmdsr We ftomeaemas Pratrotiea Am at 19p6 or soy abler Iow. Sheae sigba my iacbde tht risht to reeetn cer'talo dbadosrro, m request and obbate uacemtlao of We Marggc fwaraaa. ro bare We Morsgaye lewroo¢ ranudad aulmotirabr, sndlm' b receleire a rehbd of asy Martgaae IaaeWan prcedoma that were aeeaned ^t the Ifsee afsacD pata'9elb^ or Ia^riaatian. 11, Aaipemcbl d Miuettaueout Receear PorRat^re. AH nlbWlaneow Pmcemf ore Mtcby avtignad w artd Nutl be Pala b frndc. If Ace Proptay a dome,sea, each Mscelltneim Kaneda shell be eppYKU b teetomaan or mpsrt o[ tee PiaPug. H the rwbradon oc taper u eeonomteaUy fw.sble and Leutvy aeemuy a rme kt9atea fksrmg curb repay otd ao9nauon potiod, frno-,r [hall bare dw dgbt b hold nrh MiaceIDmwro Aoccay ®W isneer sae had m OPponmrty w mrpat such Propnry m rrtrmt ula wmt hu bow cnmptcma a l.enm`s srtiafacaan, pmvfdaa dtel AtcD mBpeCatm ahaA hs talMSatea PtottlydY• 1e00tr ma7r DaY for the rcpaas and rr%mttttmt a e ape tbsDwaunwt or m a scnw if pttspas psyesrens a the work fa ctwtpkte0. tfika an agrtsunms s tttam m wripag m ApplinbbLw tewlito toweet w oo paid oa rae6 DtlaoeWrteotte Pto¢aa, Lmdv es,ell trot be [equieed m pay BMMweC sly maY0.9t of CAOa1g5 an itltl• D~aC<B~caYBPtoCetdl. It me rrmsation a tepw a not txanpmtally f~k or LaWrr's uwsuy wwfd la araeeow, the MiutOantmw Ptvtecdt stag be applied w dw sure eecmed by tllb Satoiry LaeaitaeeN, ahedter or tbt dlta dace. Mdt the eactss, if anY. P:dd w eosrower. Saes bL7ecLvtmus Proceeds shall lx epp8ed io ba otda ptovtdad for N Secttw 1 ID the cvmt of a taai oddng, dtaeuNOO, or loan iA vdne of the Roperly, t)w tAeeeIImcooa Ptoceeas sn.g be applica m the aaros secmd Dy thfa Saatrisr Iaaautrkar, whoMc m twt dteo cue, wib dta eueSS, U oaY. ~ m Boswwa, to Ne eve^t o4 a peetW akntg, aeaaucaon, or lose in veins of be Property ~ whicA sbe (air mute vanuo of the Ropeny unmeBawy brace dro perdu) tdmtg dnuuction, or iooz m rasa Is egiaii m a gfwu tllaa the e¢uotaa of the soma aecised by due Sw+Wp' tneoamea itmttedi^teiy tkfWt dte pmual teams, aratnxdon, w loss a valu¢, mane Bortowa and Lauder othawme yam m wdabg, aw tuau eacmed Dy fhie SrcmhY htarltmmt ahe6 be seduced by dte avauot of she eBtccaaooom Pmmda multpHed 6y tM foHOVdag ftactwn: (a) the mW amwnt a(thc soma 9MarGd itnmerrbMxelY before the pedal a~a6. demucpoo, a rose a vatae di:aed by (b) the fan nogllat value of dle Psopersy' immediatly Oeftae rho pardd almlg, dtaoicaon, m ma m value. My be[aetn 8ho0 be paid b Borrows. ID the want of a panel a)cbtg, deaucmn, or ttta m veins aC Um Propery m which the tau moue Wluc of dte Roptrry murledierery 6afoa the Dedal akheg, deaoucpon, m b>:a al vane v tea thou we omwns of the mma worm imtatdLtry bcime the {mdal talatg, anmtcuon, or loa m vmoa, irittas Hmowts and Irdder oamnse epee a wrhing, dle NLaetllmeoas Pmceedr slap De eppficd m the sdna rxurul by thLs Sxsvity memo^ms w-etha or nndw smna ors tbeq dace If the Royesty a abwdoned Dv Hormwr, or if, afar aottro by turner b $aaowa thm the Oppoa~g perry (as aefur~ fn the eat nmomee) erRur m mate an award a setsie a elmoa far demr8e0. Bvtrowtr tale m arprntd m Itndar nilhDt 30 aaya aflu ate date Ibe Ilodaa is 4vtlnt„.~1,~..Mw~G a auel®red a eoUmt apd apply Ih6 AfL9CC11Weou9 Plocada ellhR b RabraVan Of Iepalr Of ale • •..Y".? a[ m da aNnf al~Qaa Dy dda Scurry lwtristwu, whWr1 or not Ptes dire. "Oppoamg Pam" 0eenc des thit0 patty 1Da[ uwe+etmpwer Mtsodlm,mlta Procseds n the party ^G'tlaR whom Harrows hxs o sigh of o[pro m regyd b AHter9anraus Roacr'4. Bawwtr stall be to detains U esy ratrw oc praaading, wbeshu civrl R srtmltai. a oegin rhse, m Leader's judgment, court result ie fttdeimm of tM Roparty or otba ntetafel)mpa4mmt rd'Lmdo's inteea m We Ysopes[y or riahv oader t4b Secirtty Latriroee. 8wmwa nn core sca s daladt aced, if acocinraoo ha atxvmm,+ttestaq a providod u 8eedott 19-DY eatnmg the accede or pto~rsdDlg m be daaaucd vriat e +tili^g Uas. to lenaer`s juagmalt, prec7Wet fatatwe of etc Roprtry er puler otauul mlpmmeat of NwMb: ~'-satpai ~o.t naa•,om» Fore aaa vol 0 '1'J.~:I 1'. ' .. ~t183.9PG3702 ' ... _._._... .._ .... I __.. . J ....1 trndrr's mtarest m dx psopm7 or rigAm menu uiie Secnagr ]timomrnt. Tae psocada of any owmd a clavn (m demagrs that ua abatable m din anpaamcm of Leach`s mraan m tAc Psopaq ue homy asatgtted and maabe paid a Lermu. All h4beetleneooa Frauds Nm eva na oppliea m rasoradoo of rcDaQ of the Pmperry etndl be applied is [ha order pmridM far m Secdou 2. lx. Borrower Not Beleofed; ForAeraxe B7 Lander Na a Wainer. BattAeiaa eE Ibb dttle for tnymant m nmdifimtan of artmrtireAon of dm auras 7Learad b7 Wia Seeudry Iasopmrnt gmnmd bI' latch m Borrows a any 9uceraew m inooMt of Bmsowr: altaH mt operWa m rclaeac me HebBitY of Borrows m anY Stwcrame m Interw of Bormwa. Lender abeH not ba re0alred m waattcnm acereed'dlga eeBbw ny Snaeasac m Imam of 8oaowa or m refam m eamad mne Con DMIU¢ a otAvwlae modify weniaadon a Na amps etaaaed by thin Semauy Inaoument by testmt of any dmnand mode by va taogmat Bartowa or anY Sataeno.e in M[aeat of Btaaowa. MI forbearance q l.eodet m otrmaiog WY rGgb[ ar [wnooy inclodmg, wiDmu[ Btaiutlon, 4vmr~'s teapumne of poymena 5aa thcd pmsmts, anddee or Sumesmrs m Iaudml of Boaawa or m anoun4 Tan dun Jte atnaaat darn do4 mall oa be a wmve of m ptY.lado the rrutsae of my nigh[ artemady. 13. Joins aed Several ILbi6ty; Cmapen; Saueaenrs and Aaaigu Botmd. Boamwa Carenau4 and agrees mat Bmowa'a abbgadom and Babdiry aAat Ae jpmt and aaraat. Hawaret, any Bo4owa wAo oo-stgtts Nm Srsutxy lnstrwaenr but does tta eaemaa9tc Npe (a "co.figncf): (a) to co•aigma3 ~ Sacanty Iaaadnla[it Dory m mortgage, gnmt and mavey mo coatglw'a lnwtst m me Propary under the tame of mis Sentrlry 1*4mmrtaC (b) is not yaaonslly obtigeted m pay aie aom aectaed by dlia 3eeaiu[y InsaumrnC and (c) a~va dint Lesmm and nY other Bartowcr titl ugrx m emm~d, maaffr, forbear or nova: say accpwoodationa wim regad m tAe tams o[ th4 Satm[y Inswmant or me Note whAoat tlm eo-myma's ConaepL $ubjtst m the of Scaon 1S, any $uragsa in fptaeat of Hortowa who atsamw 8a4awu a obliga[rona uMa thi. Sornriry lnmamrnt m waim,g. aM u apptovcd by I.eoda. maD abialo aB of Boaowa`e ngh4 sod betadio tutee ~ Secadty Imuumrne Bortowa 911aB tent be seirasvl from Bonowa'e obHpptlom mtd IiabUiry mace ddt Secteity bsvament unicv lender ag[xa m awli relmae m writing. 7Ac rnrenants anti r4pmnmdt of Wa Secsmry Inatrumrnt shall bend laaccp[ u pmrNed in Srcoao 2fn and benefit Ibc wccertam and aeagN of firma. 14, Loan Chorgaa. Lrna moy rhage Botroww rem to favacs patorvrd m comiecdoo with Boaown's defaolt, for Nc Furposc of ptn1eC411g tetmcr•e mmrez[ is the paopt'+sY end tigba undo [his $aasny Itunnmenb mcbd'mg, Dal not Srnsted t0. aaomcyi feu, pmpaty nspmdon and vahtadon Cad. In regard m any amef fees, dre maetlee of expseaa aurAonty m mu Ssariry Inmovwn m tdmrgs a specific fee m Bormwu aAaU not be tne4aaW n a pmhihitbA oa rAe elaa6ur3 a[ sacA fee. Leoda mot not rAmge fces uuu xe eNmaeiy proldbrtad Ay mu Swmq Iaatl1e11m1[ err by Applicable LaW. U tM Loan u eubjen m e Iaw mhim sere rmarimum boa eher§n, mm that ma 4 fimelly mmprmm sp [Aet ma mtweat m ahrr imo tAargu mllected a m be wBected m coanecooa wlm dte Iasi acted the pamlaW lbnrb, men: (a) any tarty loan eharge sAdl bo redat'A by the omount ncaamy m se0ttca the chage m tlro ptzmine0 1Aa1C and (b) mry sumo oltndy rnllmiad hom Bortarn!r wML axrseded pend[md limta wtL ba feflmded b Smrawer. leads nmY maate b make dug ref®d Ay radYUng IA6 pIa'Ipar ORMLL nnau the Nom a nr making a dbw paymw m Borrower. U a srlund rWvcn prndpal, mo radacdoo will D< apace u a paninl prepayment widmnt any papaymeot rBarge (wAUna m not a prcpavment charge 4 prorkN fa atria the Nae). Bortoa,a'e ecreprame of mtY saA refund made by dvtra varmeot m Boaowa wiH eomtimm a waver of ony agar of xdon Boaower might have arising om a sum orereArrgo. mm•a ~maalPallmwl ayh•,,a Formaeae alO ls. NOBtae. AH imtirsr gvpt q Bo¢owv a Lenny In eopnmt0e vy6 stay Secatp 1Aravainn mmtt lb m YrliGag. Aoy notme m Bmroe+er in tarenecbon aidt tW9 Sasmry Illehrtlaea[ rlteH be doceed m beve bean ghat m Bortowa w)soo mtv'led br fay dace mail or wAus ocoml~ sblhetW m Basower•s notice oddrest tf sent by asliee remnf. Nobs m enY one BOrrawe dtell [Ettedtuk nodrs q aH BOtNWap OniGe ApplraDle IdW apteav7 mgmrs odmrWloe. 7be notlro adareai ehol De d¢ Property Adlrraa mdeas HortOwer has demgtsmcd a WdWtlmte aortae eddeem by bolu:e m undo. HOImwG meH proa'P0Y aedfv Leipm sif Bmroviar'r cisuige of eddrma. if Lmae apcct6ta a proceduc la xpertmg BorrowC'r c6mgc tN eddtcae. dsca Hoaowac mall only rcporr. a chugs sd eddwae shmssgh dm spoofma ptoratwo. 77rto map oe Dais tam OmdBnauM nosua addnae untie thte SetaaiW lasbmawt g soy one rimy Any Douce m Leese moll be gbea by dellvalag a rff by tsreil0ig i br Beet ctw owl m Leedu't addrea+aDHed Deem wirer unaer hm simignmea mtodrr odshetr br tmbx m ourowa. AnP ootlre m connxdon abh this Sse:tl[itT Ioreumm melt rid be eeensed m Dave barn gtvrb b 1cndR Unll wwatly tviceved by lenatx. u susy Dodo tsmsaed 6y ebia Stxmlty Inapomctss H tiso aegitiad order ApplieoDk t.ow. iDo APD~bk L.sw agenrmae all raiaCv the eorrespoodDsB tatoitwrtwtutma diitSaansY eWSem~ 16. Coveeniog Lwi SertsebtBlyi Rakes of Cauvverbe. 7hir Stwnry ]taDVae•~LL sung be gaverncd try Pascal Iaw aM me ma oT the ptrltdkdpn a which the PrnDe+A % r0ukd M righB Ond oDfigwoaa cOI1e11tlCl In Ibis gemirAY IaraLmmt 81e atblect m aq ttevifeaTe end liatrmdqu Df Appggbk La W. AppBtsfile law mtgM uPlicbq' er imptiody eHoa she oatoes m agree ov waaenr a is :sight be skims, tsot sueD sslmm deal! na M s:avatr0el ea o pmMbtdott amaur agteemrnt by waReCL U the event thm uv taorittkan or cLVUSC tY:his Sawnty Lsw,mmt a the Nee sonllint with Applicable tow, each t:miBic[ shall not offers ssd~u proviveas of dik 9xomv Lssaumrni a the Nom whim can be given eRea wbhota she cadlicdagptovLtiai. At sues fa Wks 6a0eity Buaortiete (a} Walt of p+e matculDie gesue rDeO mean Doti DtciuOe cocuaonditsg axemr wotdc a vsosar o! sbc fnAptDic goedc; (b) weeds Es tits rutgtttiar sbdl Merits ma tstrJuoc ttp ptmti mrd via versa; smd (c)16e stud "iwr' gsvm sole disaewo whhonl aM' oblisauoo m mhx uy acunn. 17. Berrowars Copy. Bmoae shnHbe gneo one copy of the Nae Arid oC this Saunq Dtwwatm 18. 7Yanvfa of tDC Rwpetty er a Hetsdlrml Yatsn>It ka Borrows. As aacd Dt ih's Section 18, "Inscrcs[ ie me Roprny^ moeae aor legal a 6enrJtinl ustmt b die pmPe[y inch,Mg, Dat na liintmd m, ihox besuHcid iekreiB ltmefmrd in ^ bond fns deed, maoact for tuc4 meWloep :area watrxt OrCeYrow ogrmmrnt, qm mint of whkh is the mttsfa of hlk by Bopawrt e a fumte tiers m a pmcheser. R aH a my part of ih6 Ropers a uny Lrttlxt in dre FMDaiv is cold a vaoeferred (ar iF Botmwa ks Dot a meMl prrton and a 6enefieL:l inroctl b Batowe it cold sr wnsdetoa) wbhwt t.eede`s prier women cbnwsi, under atav segnue intsiwdlme payment io 1011 0l oU mar recaed q :hie Scerauy Ineevramt However, side oPa'a sbdl not bD iSeCirel by tsnda if aaN eaeeeiae u proDllmd q ApphcebkLaw. I( Lenses taeti9ct this option. [.ender melt gas Baxowe nsiDrs of ecaJnadoe. Te eo6ee shill provide a perioo oC not ices dim 30 dare boor ties ONe the nor're u given m eccoNma with Sauoo 15 wlmla which HeaOwa most pa eH satsu awaued OY this Swsaay lab>rumcn~ lC BarOa'0[ faits m pay sheae yens pgDt m i)a sapnatmo of Ihia peioa, !.code tsmv ievoFi my rmnalicv ptva»oed Dr spiv satvAly lnsbwseit wtpmul NNSa nodre a lemma on Hacower. W, HotrowvrY Right to Re~atate A1hr Actaleratpe. If Btutowar otaB eumm cooslidons, Bouowa maY have dserygDt m hove edfarccnwtt of shit Seeuriry tnsau0stms ditcott[os0ed sn itq tmm poor m sDe eaheet 0E (e) five drys Defota r+le of the 1'MpetY lnursmest m my power of acb rnniriced in tAio Sanakry Its.usweisr (b) Door mdse period as AppgraDk La migdt sptxify 1~ iDc foaetDtetma of eortowsda Hoabi war. (a(a ~'c r (I.ra~ ~ owms which Usen wod gd De sue mere iD[r SavntY`lbsa0mwr wd rho No m d o0 oarieranon Asti oocortcd: (D) arise eav defeuH of env ahc fAV4renlr a assaromt9: (e) poYa e71 iMmb ~eAlOA)leaeai v.m tz.na Farm sere 7101 expeneea mcmraa N rnkrdrtg mb Seaeity rnemwerµ inctading, bur wr li[tdtea m. reeammbk altmoeyr fees. property lnepecoon mrd rvdnmar Eaa end oma Etzs mrmaed fm me puryiee of promtling isttav's inmrcst m ttm Property and righm unorr mis Srrwrry Ixstlamrne wa {~ stare sndr retreat m rlaaet reaY reeeousDly rtljairc b e9eW a rbn Lrada'e mtunr A the AoRny and righm undo mk Smviq Irsbtanent, and Bpapwel a obligation b paY du some senulW by mk Sa+spq Ittsptlmesn shag wpdnue Wehmgeei t.wn ttmy rcgopa rha Borroww pay tam re»smtemaaf emas wd eapcaxa n one m rrmre of tbo [opowmg fmna, n mtatod by r.rnaor. p) tavh: (b) norrey order, (e) iadl3sd tlteet, Demo thexk, tteanavb tbrea or rwhits's rluric, pcov;ded aaY such abort is mown npoa sn msoardon wDoee dcpouts em hmsod by a frAau egeucy, uspuargrul'sy « ~Y: a (Qf Bbsuomc Aonas Trwarrs. llpm teiaaurtatpt! by Bmrova, @ds Seconry )treDatntn! sad abligadom Smaed DntDy shill trWapr ftlBY cfflydre m EE ra eecaicvaooa had omrrred. Notucrv. dm right b reputatc dull trot eppry itl the tree of attakrotfon tmdcr Sation lg. Zv. Sole of Note. Cbaege of l.ou Sinker: Netka sf Grievaate. The Note a a partial iaWest m the Nox (agodmr vdm tMt Seemity IsaNmem) ton De mW atx or mom tetra rvidrOm}awr nonce b Bmrow. A sole might seouit m o cbeage in me eomY Qi,ows m the "Lwn Servsctt") m.! tbgrrxt Penodk PaYrtterrm Doc wan the Nos aaa This Seneiry Ipmamenr wd peafosrne seta rrmrrgege ban RatrkipB obligwsons urge[ dec lYOrG this 9arv+tY Irtmrmiu, wd Avptlcablo tnw, Thraa alto mighs be one or Nara eeangta of me r.omr Setrici uaeiataa m e eaie of tha Nob. U tttero s a tbsage of fit fomr 3iviou, Bernowra will be given wtmm nave of me ebNrge ghirh will rmm da name and edmns of tiro rraw Lain SeNraa, rho odmnre m wDieb peytaewm shwM DO mach wd wr nett rnfeaamdon 1eB$PA rrgouee in captaclbn with o ttolrce of pwtfet of aervio{ng, IC me Nom ~ soW and dtareeaf'os tDe Loan b Bivxcd by a Loon Saotrs+ odor mw tha pu/ehaW of dre Norc, dw mmrgase row eerekbrg obhgadms m Bmower wig rrsrtno wim the t.omt Swke or Ire oansi'etmd m a spcenwr Low Scrvuct and ors nor sword DY ne Nom purrhaul saxes ot6~alee provided D7 the Nom vutc-eser. Nc$her Bpopwa tmr ]~rtdte reey onmtnMta, kin. a De pirtcd m wY T~ r~ (m eithi an tndit6doe) Idigenr or me memDe pf a ctaee) tIW arises Gen da o16er pagl'a ettiape ptttauao! m due Sxrarry lrawmestt or that alleges mn dte ottrr parry bet taeacbW nny provision of. or m+y any owed DY reason oE, due Scctassv Inmumrnt,unta aaeD Bamwu a [.eerdv hat notified rDe a)oa pant {widl birth ootlca green w cpmpliwrtt with the rtqunamrm of 9rctlon 13) of loch atkged brick and afl'otrmd tha orbs pmrY irasm o reavsmbk prriod after the giving of ett~ aotxa m man tonee We ocmm. rt ApplitaDle Low provides a time peno6 whfrA must ctgleC lrefmc CaWrs atom tad ba teaeo, thot Orrre period wpl lx dartrod b 0e lcetanabla ferc purporea timer pnagrrgra.'lba noose d' acceiwdon and oppormntry m eme giver) m Barowm pawwr m Sectmrr 22 area da nonce Of aGGRnbtn gi•w m Barowi Durmrobt to Secom t6 simd ba aetrned m saLLsfy ma twtiee wd oppommsq m take ro¢etwe Demo pmvidons of mis Secdm 20, 21. Hntardom SahsWsca. As used N stilt Seetlort 2): (e) "Flerardom SuOMem~' ve moea wDsmpcee elcfmcd A7 mama 6o:rdous s•amrrcw, pohumnm, a wastes q' Bn•aomnereN l+sw wa dm foBowmg wDeouris: gatolare, teowwe, orlw Batmtrabk or mu pelrormrm taoorcm, bsm pnvdtidn wa hnbicidrs, w)adk raivcnu, ousatisls caouning mbaame a feanWdebyde, w6 mdioedwe meeeeialr. (b) "Envirmtnmml law" roieu ftmeml ]aws aril lawn erf Ihaisrtsdmeon where the PmpitY u locau;a dW tr]sm b hrabh, safety or irvaunn+itmt Droteatem; (c) "Savhonracnaa fleatm" iaemdn w1 rt9p[mee asian, rtroadiol aWOO, or rcmorar xdon, n arrmm m Fnvuonnrcatd Law: wd (d) ir'8nvpemmmmi Cgndirion° rtrmns o mndidon mat rm eatte, mntr3me m. ec ottravnra nigger an B.nvvaanseaW Cltanup- FNW -e~IPA}te:oy v.o•ra •~rt Fo.m 80aa troi BR-4839P&3705 .:. _ ;;. , ,., Y ~. `~ flauowa ~aB trot cewc a pmmh the tvmeoee, me, dirpoati, areraae. a rderee of a^P }twmrioas Subwmaa, a threabn n r<rcac any Fiazodus Sublmorrm, on m m dlo AoPwl. Borrows sntl not m. as egaw an~onc ciao n do, mydtbtg eHuuuanngg the Aop~+ty (r) der e m riohoon of a^Y Bovnaomamlt I,aw, (b) wbmh mWIP.r ao Bnvitomneaat Cgnd~ual, or (U whicD, aw n the ryexac0. uaq a mh~e of a Hezardats SuDsmtlce, tames a toadiDon Bur elrmsrly aCeee mo value of the Rop~f The prxWhts Mo rmeotea sDaB as app+y b lAe prew#ce, ot0. or neaage on Ulepropety of amotrgwmWa of flawdm. SuDreerar drat are BtttasBy rembncral m M appropwe m normd-mfdeoCet axs rod m atmrttewlce of the Pmpary C~^d^t6.Inlnottimabd b. Mvsrdoue mxtsnoes b woa^nla ao0larn). Borrower JIaB promptly grvo Linda wriaen mtier. of (a) any mvtsdgadoa, claim, Oenmd. Ltvaad or ogler ecaon by ®y goverameaW a regu~~~ay ageacy or Drivde perry tarolvlDg ate Property nod any Hazardous SuDeumry or Fllrlmnmenul La. of whirl Borrower Isre amlal lmowboge. (b1 am Bnrnantrtemd caadidarl. iaebmutg Dm nor wmtro b, my miBinH. lsldng, dieeharge, tmeate or dam ur rekox or arty Anardrno Sobarmce, sod (c) mty rondiaat cetera by dte premteq ttse a tahnlc a( e tfarermw SuDlteaee wbiN adnaady affeen the v^tae of Bro Property. Y Borrows iemae. a e naified Dy any gnvernmeonl at bry m411ority, a toy pdwre . Wm a^Y rrnnrtd of Odle rcrodiedao of mty freeu0ats Stdnamtre affecLng tboAopary it narsssy. Baoowv shag pampdy nice dl nxanry rmdbt swum m acemwma wdh Enrironaoam{ Law. Nothin6 herein lheB create soy ohBgatbo on Leedu for an Bnriroetaenml Clratap. NON~UNR'OBM COVENANTS. Btdmvra and la:ttda funber covenant sw egeae s foBtwx 22. ArselerNieo; Hemedka. Leader rbaB give sorties u Borrower prior ro amclmtbe fo8owbg Borrower's break of ^ay pDrmWt or apameot is Jis BeterNy Iaalr®ml fbm sot prior to accelcatb^ mder t;ectbn 18 odes AppBobk Law provides BmerwGel. Lmdv mU verify Bano.rr oI, Among elsu Iblrgs: (a) the defank; (b) the acboe regolttd b rare the drlauk: (c) vdwa the defadt must be rored; Dnd (d) Ha! laBtve to toes lbo dehwk w eptcifkd may reNt n aeedaapub of tDe rotor Itecured Dy fbia,3eCOrri7laatroamy lmve)eeare 17 Jadl®1 procetdhag ud eak of the Ptoperry. Lender rhaB farther mfurn Borrower of tAe right to reketnn aRrr areeieatrou sad taerlght ro sewn m the fornimare ytgt~~e~ tae emKalseaa s a ddank a' any olbrr defeas of Borrower tv sreekralioo and forerlwse.7f the defaall n aol cored as eroea6ed, leader at In eptsm sq tlgotre __ moy fwrecuree t1.4 See^rtq 71ap^me^t by . la•odm' altel be eotlBcd b oeBrct all eapeeara bemird Y purloin /lm rtmcdW ptoridtd ro rLi! Secoo^ 3x. lodadlnL, a^t ^ot IgotrM ro, enoroeya' fer5 and tmn of q~ eridara n tie men peraatned q nppgmbk Lew. 27. 8eleaee. Upon pavmmt of eB mine sacaW Dy tDis Secmiry IriaWgianr, rhk Stunty ]nanarnent aoo Bra awe woveyed akaB wnuoata and baone void. ABet sorn aaffienca Lalda.hatl dircwgc and satisfy this S~m{r~ a 8otrowm sMB pay erry recordaoon cow. tender may dpage Bartowe a f¢ far rclotiag thk SmriN krnmu~a4 but duttyy if BK f« is Add m u d~lyd parry fm rovxea reined sad du charging of rite fee u pemuacd undo AppBroDb law. zn.'Walyas Borrowrr, b die extent perattmW by AppBmDle laa. writer !nd tasters nay swot or defecn m procexBrtBa b oaftxce dda Semaq Dntnaornr. sad herby vrotves the DmrJk of any pceut or fouee bws providing for anY M exavtiat, cnrnrbtt of dine, aemmon fiom eoachoKet kvy tnd rte, amt homeaoad exenpoon. 25. Brieekteamt Pernd. Honoae'a time n retmtab prorided in Saooo 19 ahoB eaten b one boor poor n rho comtncrtalnenrofbiddin8 a e dlal(Fa role or oJtc+enk Parmmnt m tldt Smolty Lunmouu ?a. Pnrrlus Tfe^ey Mortgagor If am of tbD door secarod hr ehh Smmry bmtmawal u >mt n BanoarY b atquve talc n nc~ Ptooerq. thb Sawiry Iwwemear dmBbc a pwehese mutiny mortgage z7, intaew Bme Ma Jodgmrat. Borrows span Btm the mwem rob poyabk afro ^ Ymgmonr w cntucd on rbe Nom a m an action of moryogs Foraawno shall he die rare poyabk from otvc b dine ntmet dw Notc IeII4Y:j]tJ_ ®.eatpa)rorre r•wt.wlr V~ re.maoaa trot BK 183.9P63706 ~ i ~ ~ ~ ~~ ~ ~ ~= BY SIGNING BEIAW, Borrower eamu mra e®eu a ate terms rrd wvemm~ mnuwral in dm Ssm70' mvmwem end ur nn~ Rider e1so7>d by Borrower ar6 recorded with a wMreeeer (Se7p 1 / ~ RBBERi B. TNRUSR -B•rrer•r Pudsael J- Aanft (Sul) •BOrtew•r (Scat) .nmrvwm -eA1PA) lwrM _ (SoM -Bamvar 1Be71) -BOrroref r•n lama - (Sr•+B -Bwrwer -i~ -B•rrww - (S~ -Bwnra Form 7010 1re1 ~N;~639.P6370~ ~,,,~;...,;„~. CWi11m1e of Hlrldatt ao btreVy tefC~ d~ dee comst Wd<eav of dle within-nlnwd MmICA6~ ~ P.O. Boz 2026, F1inl MI x8501.2(17E. ~mrse my hotm dde d!y of Arul al Monp{ee COMMONWBA4TH OF PENNSYI-VAMAr `jyvril+L'~'~`~ Oo ddt, the '~~ daY of ~Cd-,.2w emeistgn~ otLra, PalaNIQY Ilpp[dlld '.!I p~..~ % hJ . ~!/ Camry sl: .Delon; ew. the known m me (or lldsFeomri)Y pmvm) m tie the person(a) whole nlmeMa) ~ fUhsm6lm m IM wit0ln htsvwaent tmd actumwled3ao tM1114shrl16er ezesuMd the sues far ttw InnpaeCB howl coamined. IN Wl'[NES3 WFQ'nEOF, I hersmlm Ie[ my hsod mle ofl)dd sml. , ~ ~ . ~- My (bmmlftioA Ezpicec 'Ri OF 5y4vNVIA Mulo1W~+ _ Ptyyµ Plloe. QelCw~dCa+4' ~~F•!4lssAW tB 70D7 lymper. PMMNeeele AeeW'YOn p NMeaee ®~lA~PA) Iwesl rp. re a.e Innl.a%~==~, Farm lal9 1/al 9K~183.9Pb 3 7 08 HOMEQ SERVICING DF785 February 3,2006 ~w ~~~u ~~~~n nu~~u~~i~n ~~~ ROBERT THRUSH 111 POMFRET ST E CARLISLE, PA 17013 HOMEOWNERS NAME(S): ROBERT THRUSH PROPERTY ADDRESS: I 1 I E POMFRET ST CARLISLE, PA 17013 LOAN ACCOUNT NUMBER: 0321334278 CURRENT LENDER/SERVICER: HomEq Servicing Corporation ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This an official notice [hat [he mort a e on your home is in default and the lender intends to foreclose Specific information about the nature of the default is provided in [he attached pages. The HOMEOWNER S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This notice explains how [he program works. To see if HEMAP can help vou. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the counseling agency. The name. address. and phone number of Consumer Credi[ Counseling Agencies serving your county are listed a[ the end of this Notice. [f you have any questions. you may call the Pennsylvania Housing Finance A¢encv toll free at 1-800-342-2397 (Persons with impaired heazine can call 717-780-18691 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 [o help you find a lawyer. LA NOTIFICAION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMEEO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HomEq Servicing Corporation is a debt collector. HomEq is attempting to collect a debt and any information obtained will be used for that purpose. THIS NOTICE CONTINUES ON THE NEXT PAGE HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, XOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE Under the Ac[, you are entitled [o a temporary stay of the foreclosure on your mortgage for thirty (30) days from [he date of [his notice. During that time you must arrange for and attend a "face-to-face" meeting with one of the consumer counseling agencies listed at the end of this notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES Tf you attend aface-to-face meeting with one of the consumer credit counseling agencies listed at the end of [his notice, the lender may NOT take further action against youfor thirty (30) days after [he date of this meeting. The names. addresses and telephone numbers of designated consumer counseling agencies for [he county in which vour property is located are set forth a[ the end of this notice. It is necessary to schedule only one face-[o-face meeting. Advise this lender/servicer immediately only your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth later in this notice (see the following pages for specific informafion about the nature of your default). If you have tried and are unable [o resolve [his problem with the lender/servicer, 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 a[ the end of this notice. Only consumer credit counseling agencies have applications for the program and they wil! assist you in submitting a completed application [o the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE XOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emergency mortgage assistance are very limited. Funds will be disbursed by the Agency under the eligibility criteria established by the Ac[. The Pennsylvania Housing Finance Agency (The Agency) has sixty (60) days [o make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have me[ the time requirements set forth above. You will be notified directly by the Agency of its decision on your application. THIS NOTICE CONTINUES ON THE NEXT PAGE Page 3 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSH)ERED AS AN ATTEMPT TO COLLECT THE DEBT. If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT The MORTGAGE debt secured by your property located at: I I I E POMFRET ST CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: 1. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: a) Number of Payments Delinquent: 3 b) Delinquent Amount Due; $2,836.38 c) Late Charges: $133.86 d) Recoverable Corporate Advances: $8.80 e) Other Charges and Advances: $0.0 t) Less funds in Suspense: $0.00 g) Total amount past due as o((due date): $2,979.04 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use if not applicable) HOW TO CURE THE DEFAULT You may cure this default within THIRTY (30) days from the date of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER/SERV[CER, WHICH IS 52,979.04 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier s check certiried check, or money order made payable to HomEa and sent to: Regular Mail HomEq Servicing Corporation P. O. Box 70829 Charlotte, NC 28272 - 0829 Overnight Attn: Cash Central NC 4726 1100 Corporate Cen[er Drive Raleigh, NC 27607-5066 You can cure any other default by taking the followine action within THIRTY (301 DAYS of the date of this notice (Do not use if not applicable] THIS NOTICE CONTINUES ON THE NEXT PAGE Page 4 IF YOU DO NOT CURE THE DEFAULT If you do not cure the default within THIRTY (30) days of the date of this notice, [he lender/servicer intends to exercise its rights [o accelerate [he mortgage deb[. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the opportunity [o pay the mortgage in monthly installments. [f full payment of the total amount past due is not made within THIRTY (30) DAYS OF THE DATE OF THIS LETTER, HomEq Servicing Cotporation also intends [o instruct its attorneys to start a legal action to foreclose upon your mortgaged property. IF THE MORTGAGE [S FORECLOSED UPON The mortgaged property will be sold by the Sheriff to pay off the mortgage debt If the lender/servicer refers your case to its attorneys, but you cure [he delinquency before the a[[omey begins legal proceedings against you, you will still be required [o pay the reasonable attomeys fees actually incurred up [o $50.00. However, if legal proceedings are started against you, you will have [o pay all reasonable attomeys fees actually incurred by the servicer even if they are over $50.00. Any attomeys fees will be added to the amount you owe the lender/servicer, which may also include other reasonable costs. If you cure the default within the THIRTY (301 DAY period, you will not be required to pay attorneys' fees. OTHER LENDER/SERVICERREMEDlES The lender/servicer may also sue you personally for [he 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 [he default within the THIRTY (30) day period and foreclosure proceedings have begun, ou still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s Sale. You may do so by paving the total amount [hen oast due plus any late charges. other charges then due. reasonable attomeys' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in writing_bv the lender/servicer and by performing any other requirements under the mortgge. 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 Sheriff s sale of the mortgaged property could be held would be approximately five (5) months from the date of this notice. A notice of the actual date of [he Sheriff s Sale will be sent to you before the sale. 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/servicer. HOW TO CONTACT THE LENDER/SERV[CER BY TELEPHONE OR MA[L: Name of Lender/servicer HomEq Servicing Corporation Contact Name PA Housing Response Specialist Address 4837 Watt Avenue, North Highlands, CA 95660-5170 Attn: PA Housing Response Team Telephone Number: 1-800-795-5125 FAX Number (916) 339-6940 for use by local counseling agency to notify HomEq that the homeowner met with the agency. EFFECT OF SHERIFF'S SALE You should realize that a Sheriff s sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender/servicer at any time. ASSUMPTION OF MORTGAGE You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. THIS NOTICE CONTINUES ON THE NEXT PAGE Page 5 YOU MAY ALSO HAVE THE RIGHT • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFE THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT; TO HAVE THIS DEFAULT CURED BY ANY TH[RD 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 THE RIGHT TO CURE YOUR DEFAULTS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR;) • TO ASSERT THE NON-EXISTENCE 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/SERVICER; AND/OR TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED TO THIS LETTER If you received a discharge of the account through the Bankruptcy Court and if your account has not been reaffirmed, the acceleration and sale will not result in your being held personally liable for the debt and this letter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is necessary to avoid foreclosure. You are notified that this default, and any other legal action that may occur as a result thereof, may be reported by HomEq [o one or more credit reporting agencies. Please take appropriate action with respect to the important matters discussed herein. Sincerely, HomEq Servicing Corporation Homeowners' Emergency Assistance Program CUMBERLAND COUNTY Effective 8/18/2005 at 10:05:07 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 1 (888) 511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 (717)232-9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 (717)232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717)762-3285 PHFA 211 North Front Street Harrisburg, PA 17110 1 (800) 342-2397 ;~~ . ~ '~l )T' ~ ~ C v r ~ n T . r 1 , ^\hJ ~ . , .. _I 7 ~ 1 ~ ~_J ~ ` _ _ "ii ~!, _ T y n~ n.~ , ~~ ; ~~ ~, ~ ~ Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 Rob Saltzman, Esquire Attorney ID NO.: 53957 856/813-1700 Attorney for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, v. ROBERT B. THRUSH Defendants. TO THE PROTHONOTARY: NO. 06-2903 PRAECIPE TO ENTER JUDGMENT AND ASSESSMENT OF DAMAGES Kindly enter Default Judgment in favor ofPlaintiff, Wells Fazgo Bank, N. A. As Trustee and against Defendant(s), Robert B. Thrush, for failure to file an Answer to Plaintiffs Civil Action in Mortgage Foreclosure within the time provided for by applicable law from service thereof. Service was made on the Defendant(s) by, Sheriffs of Cumberland County as follows: Robert B. Thrush, served May 25, 2006 Au g. 10. 2006 2:06PM Cumberland Co. SheriffRN - REGULAR No. 5261 P. 3 ~•CASE N0: 2006-02903 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS THRUSH ROBERT B CPL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon THRUSH ROBERT B the DEFENDANT' , at 1447:00 HOURS, on the 25th day of May 2006 at 111 EAST POMFRET STREET CARLISLE, PA 17013 by handing to ROBERT TFIRUS a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriffs Costa: Docketing 18.00 Service 4.40 Affidavit .p0 Surcharge 10.00 .00 32.40 Sworn and Subscibed to before me this day of , So Answers: ~~~--~' R. Thomas Kline 05/30/2006 PLUESE BECKER SA ZMAN By: /~~.. Deputy Sheriff A.D. Assess Damages as follows: Total Demand in Complaint $86,527.77 Interest due and owing at the rate of $25.79 per diem from June 1, 2006 to August 22, 2006 $ 2,114.78 Additional Late charges $ 102.08 Additional Recoverable Balance $ 2,124.50 Escrow Advance $ 217.18 TOTAL JUDGMENT TO BE ENTERED $91,086.31 PLUESE, BECKER &,SA~ZfZMAN, LLC By: v Rob tzman, Esquire A mess for Plaintiff Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 Rob Saltzman, Esquire Attomey ID NO.: 53957 856/813-1700 Attomey for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, v. No.:06-2903 CERTIFICATION OF ADDRESSES ROBERT B. THRUSH Defendants. I, Mazlo Washington, Pazalegal, of the Law Firm of Pluese, Becker & Saltzman, LLC, Attorney for Plaintiff, Wells Fargo Bank, N.A., as Trustee hereby certify that the Plaintiffs correct address is 1100 Corporate Center Drive, Raleigh, NC 27607 and the last known address of each Defendant is as below. Robert B. Thrush, 111 East Pomfret Street, Cazlisle, PA 17013 I certify that the foregoing information is true and correct to the best of my knowledge, information and belief. Sworn to and Subscribed before me this o"Za°P day of /~eg~s-C , 2006. PLUESE, BECKER & SALTZMAN, LLC A 10D!!N dULIANp ~'~~11 Mario W Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 856/813-1700 Rob Saltzman, Esquire Attomey ID No.: 53957 Attomey for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendants. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND: s.s. COURT OF COMMON PLEAS CUMBERLAND COUNTY N0.06-2903 AFFIDAVIT OF NON-MILITARY SERVICE I, Rob Saltzman, Esquire, being duly sworn, deposes and says that the averments herein aze based upon investigations made and records maintained either by or an behalf of the Plaintiff herein named and that such investigations and/or records indicate that the above-named Defendant(s) is/aze not in the Military or Naval Service of the United States of America or its Allies as defined by the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant aze as follows: Defendant: Robert B. Thrush Age: Over 18 Residence: 111 East Pomfret Street, Carlisle, PA 17013 Employment: Unlrnown PLUESE, BECKER & SALTZMAN, LLC By: Rob altzman, Esquire A omev ID No.: 53957 Sworn to and subscribed before me thisd~µ'day ofA~~sr , 2006. ~~.1 ~dIIPN JOSEPH IiMILUN0 A N~ PubNa d Ns M~{k~inN~EgimJ~ 11 Pluese, Becker & Saltzman, LLC Attomeys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 856/813-1700 Rob Saltzman, Esquire Attorney ID No.: 53957 Attorneys for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, v. NO.: 06-2903 ROBERT B. THRUSH Defendants. CERTIFICATION OF MAILING I, Marlo Washington, Paralegal, of the Law Firm of Pluese, Becker & Saltzman, LLC, Attorneys for Plaintiff, hereby certify that I forwarded to the following Defendant(s) on the date(s) listed, by regulaz mail, a copy of the Notice of Intention to take Default Judgment, Rule 237.1: Robert B. Thrush, 111 East Pomfret Street, Cazlisle, PA 17013 By: LLC Marlo PLUESE, BECKER & SALTZMAN, LLC Attorneys At Law 20000 Horizon way, Suite 900 Mt. Laurel, NJ 06059 (856) 813-1700 Attorneys for Plaintiff 78363 WELLS FARGO BANK N. A., AS TRUSTEE Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY 06-2903 v. ROBERT B. THRUSH Defendants NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa. R.C.P. 237.1 IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the Court your defenses or objections to the claims asserted against you. Unless you act within ten (10) days from the date of this Notice as set forth below, a Judgment may be entered against you without a hearing and you may lose your property or other important rights and may be liable for money damages. You should take this Notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 NOTIFICACION IMPORTANTE Usted esta en incumplimiento de su oblicaci6n legal de presentar, ya sea personalmente o por medio de su abogado, una declaraci6n por escrito y por no haber presentado por escrito sus defensas a los cargos que se han presentado en su contra. Si usted no toma accibn dentro de diez (10) dias de la fecha de esta Notificaci6n, se registrara una sentencia en su contra sin audiencia y usted podra perder su propiedad u otros derechos importantes y podra ser responsable por danos monetarios. Usted debe llevar esta Noticia a un abogado enseguida. Si no tiene abogado o no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuyo numbre se encuentra abajo para conseguir asistencia legal. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 Date of Notice: August 10, 2006 PERSONS SERVED: Robert B. Thrush 111 East Pomfret Street Carlisle, PA 17013 PLUESE, BECKER & SALTZMAN, LLC By: RobiSaltzman, Esquire At ornevs for Plaintiff -2- PLUESE, BECKER 6 SALTZMAN, LLC ~ ~ ~ ~ ~ ~ -~ ~ ~ ~ v, ~ ~~ ~ ^-- ~ T' b ~ ~ ~ w ~~t C.r ~ ,i =-~ 6" ~- r`~ ~ ~=~ ~~_ C~' „`~ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS ONE COURTHOUSE SQUARE CARLISLE, PA 17013 CURT LONG, PROTHONOTARY TO: ROBERT B. THRUSH 111 EAST POMFRET STREET CARLISLE, PA 17013 WELLS FARGO BANK, N.A. AS TRUSTEE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, v. ROBERT B. THRUSH Defendants. N0.06-2903 NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above-cap ' ne ding as indicated below. Lo tho tart' [XX] Judgment entered by Default IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Rob Saltzman, Esquire, Attorney ID #53957 PLUESE, BECKER & SALTZMAN, LLC 20000 Horizon Way, Suite 900 ~/a3 f ~~ Mt. Laurel, NJ 08054 856/813-1700 Attorneys for Plaintiff '' * PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P.3180-3183 Wells Fargo Bank, N.A. as Trustee Plaintiff v. Robert B. Thrush Defendant(s) To the Prothonotary: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 06-2903 Issue Writ of Execution in the above matter: Date: August 28, 2006 Note: Please attach description of Property. AMOUNT DUE INTEREST From 8/23/06 to 12/6/06 @ $14.97 per diem Total (Costs to be added) $91,086.31 $ 1,571.85 $92,658.16 Ro altzman, Esquire ttorney for Plaintiff 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney ID No.: 53957 Our File #78395 ' a ,.;.« M O N 0 0 z Q r~ a~ zz a ~W oz 00 ~z O a H~ ~~ V N H z w 3 ~I V ~-. yC wN ~,, o O ~ d H i" O W 3 °' x~ 00 a~ W b w ~ ~- 1 ~~ ., / [ / V r r ~~ . ~ ~ `~, !1 i:_' G ~ ~ ~ ' 1 Q c~ ~w~J ~ ~ ~ ~ a ~ M ~ ~ ~ ~ V ^ r ~/.V\ l° o ~ M O ~ ~_ ~ d °~ a U y ~ 3 0 a w a~ -rs b d 4 ~, 'By . M U W V ~T/ Y~ r n ~ ~ ~./V V ~ iz. '~ O ~ ~ ~- ~ ~~ ALL THOSE CERTAIN tracts of land with the improvements thereon erected, situate in the Second Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. 1: ON the East by lot now or formerly of Mrs. Jennie Burbank; on the South by East Pomfret Street; on the West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Hollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. Hollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches in front on said East Pomfret Street and extending in depth 94 feet, more or less. BEING improved with a two story dwelling house known as No. 111 East Pomfret Street. TRACT NO. 2: ALL of the right, title and interest of the Grantors in and to all that certain lot of ground adjoining Tract No. 1 hereinabove described on the West, the same being 60 feet more or less in length and depth and 4 feet more or less in width and having thereon erected part of a one story frame back building. SUBJECT, however, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. Being Parcel No. 03-21-0320-026 Being known as 111 E. Pomfret Street, Carlisle, PA 17013 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-2903 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A. AS TRUSTEE, Plaintiff (s) From ROBERT B. THRUSH (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $91,086.31 L.L. $.50 Interest FROM 8/23/06 TO 12/6/06 @ $14.97 PER DIEM - $1,571.85 Atty's Comm % Due Prothy $1.00 Atty Paid $130.40 Plaintiff Paid Date: AUGUST 30, 2006 (Seal) Other Costs CURTIS R. LONG Prothonotary By: Deputy REQUESTING PARTY: Name ROB SALTZMAN, ESQUIRE Address: 20000 HORIZON WAY, SUITE 900 MOUNT LAUREL, NJ 08054 Attorney for: PLAINTIFF Telephone: 856-813-1700 Supreme Court ID No. 53957 ~ ~ PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Robert B. Thrush Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket #06-2903 Wells Fargo Rank, N_A_ as Trustee, Plaintiff in the above action, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 111 F,. Pomfret street, (''arlisle, PA 17013, Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information and belief. 1. Name and address of owner(s) or reputed owner (s): Name Address Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 2. Name and address of defendant(s) in the judgment: Name SAME AS ABOVE 3. None. Address Name and last address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Our File #78395 I / _.. 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank, N.A. as Trustee (Plaintiff) Beneficial Consumer Discount Co. d/b/a Beneficial 419 Village Drive, Suite 2 Mortgage Company of Pennsylvania Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: Name None. Address 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Name Address Cumberland Co. Dept. of P.O. Box 320 Domestic Relations Carlisle, PA 17013 Commonwealth of PA P.O. Box 2675 Dept. of Welfare Harrisburg, PA 17105 Carlisle Borough 53 W. South Street Carlisle, PA 17013 Carlisle Borough Sewer System Authority 53 W. South Street Carlisle, PA 17013 Tax Collector 1516 Hemlock Drive P.O. Box 128 Carlisle, PA 17013 PPL Resources, Inc. 40 Roadway Drive Carlisle, PA 17019 UGI 1500 Paxton Street Harrisburg, PA 17104 Our File #78395 ..~ 7. Name and address of every other person of whom the plaintiff has knowledge that has any interest in the property, which maybe affected by the sale: Name Address Tenant/Occupant 111 E. Pomfret Street Carlisle, PA 17013 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. #4904 relating to unsworn falsification to authorities. A> >>.g sL?R,~ PLLTESE, BECKER & SAL'~ T7MAN, LLC Date j BY: for Plaintiff Our File #78395 ~"~ ° -n C~: d` --1 `- ~' T -rt _ ~+ It~t= r. j r,:i ~n y _i :~ c PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY Robert B. Thrush Defendant Docket #06-2903 I, Rob Saltzman, Esquire, Attorney for Plaintiff, Wells Fargo Bank, N.A. as Trustee, hereby certify that the last known address(es) of the Defendant(s) is/are as below: Robert B. Thrush, 111 E. Pomfret Street, Carlisle, PA 17013 I certify that the foregoing information is true and correct to the best of my knowledge, information and belief. Respectfully submitted, PLUESE, BECKER & SAL ,LLC BY: Ro altzman, Esquire ornev for Plaintiff Our File #78395 C~ ~ _ 4.. ~ ~t l ~ f ~~ ~ _ ~~ ~...r t ~ ~LL, ~ ~~ ._., ~ _ ~~~~ ~,~ 4~ ;~ tTi _ ... ~ PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Court of Common Pleas Cumberland County Robert B. Thrush Defendant(s). Docket #06-2903 I, Rob Saltzman, Esquire hereby certify that I am the attorney of record for the Plaintiff, Wells Fargo Bank, N.A. as Trustee in this action against real property and I further certify that this property is: ( ) FHA -Tenant Occupied or Vacant ( ) Commercial (X) That the Plaintiff has complied in all respects with Section 403 of the HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 which may include but is not limited to: (a) Service of Notice of Defendant(s) (b) Expiration of thirty days since the Service of Notice (c) Defendant's failure to request or to appear at a face-to-face meeting with the Mortgagee or with a Consumer Credit Counseling Agency. (d) Defendant's failure to file an application for financial assistance with the Pennsylvania Housing Finance Agency and/or the denial of such application. I further agree to indemnify and hold harmless the Sheriff of Cumberland County for any willfully false material statements given herein. Respectfully submitted, PLUESE, BECKER & S~?'LMAN, LLC BY: altzman, Esquire rev for Plaintiff Our File #78395 n..J v ° C ,-y 1 ' :r C.1 ~ f, C_>> >r,3 i. . ~-` 1 ~ ~ ~ .. -, PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Robert B. Thrush Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket #06-2903 NnTTC'F nF ~HF.RTFF'4 SAT,R (7F RF.AT. F.STATF. TO: Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 Your house at 111 E. Pomfret Street, Carlisle, PA 17013, is scheduled to be sold by the Cumberland County Sheriff's Department to enforce the court judgment of $91,086.31 obtained by Wells Fargo Bank, N.A. as Trustee against you. The Sheriff's Sale will be conducted on December 6, 2006, at 10:00 A.M., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013-3387 or, in the alternative, at a location to be determined by the Cumberland County Sheriff s Department. NOTICE OF OWNER'S RIGHTS Yni T MAY RF. ART.F. Tn PRF.VF.NT THTR SHF.RTFF'S ~AT.F. To prevent this Sheriff s Sale, you must take immediate action: 1. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late charges, costs and reasonable attorneys Fees due. To find out how much you must pay, you may call Rob Saltzman, Esquire at (215) 546-3205. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the Judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. Our File #78395 You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YnTT SAY 4TTT T RF ART F T(7 ~AVF Y(~TTR PRnPF.RTY ANTS Y(~TT HAVF. nTHF,R RTC'TT,TT4 FVFI`T TF THE ~HFRTFF'~ ~AT.F. T)(~F.~ TAKF. PLAC:F.. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Rob Saltzman, Esquire at (215) 546-3205, or by calling the Cumberland County Sheriff's Department at (717) 240-6390 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Rob Saltzman, Esquire at (215) 546-3205, or by calling the Sheriff's office at (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At this time, the buyer may bring legal proceedings to evict you. 6. You maybe entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Cumberland County Sheriff on or about thirty (30) days from the date of the Sheriff's Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Distribution sheet is posted. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Our File #78395 ALL THOSE CERTAIN tracts of land with the improvements thereon erected, situate in the Second Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. 1: ON the East by lot now or formerly of Mrs. Jennie Burbank; on the South by East Pomfret Street; on the West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Hollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. Hollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches in front on said East Pomfret Street and extending in depth 94 feet, more or less. BEING improved with a two story dwelling house known as No. 111 East Pomfret Street. TRACT NO. 2: ALL of the right, title and interest of the Grantors in and to all that certain lot of ground adjoining Tract No. 1 hereinabove described on the West, the same being 60 feet more or less in length and depth and 4 feet more or less in width and having thereon erected part of a one story frame back building. SUBJECT, however, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. Being Parcel No. 03-21-0320-026 Being known as 111 E. Pomfret Street, Carlisle, PA 17013 ~ ~ r_ . ~ -r+ d .,~C:: ~- - ~ ~~~ M/ ~~ SHERIFF'S RETURN - REGULAR .. CASE NO: 2006-02903 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS THRUSH ROBERT B CPL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon THRUSH ROBERT B the DEFENDANT at 1447:00 HOURS, on the 25th day of May 2006 at 111 EAST POMFRET STREET CARLISLE, PA 17013 Tl /'1T T"~l'~T TTTT]!'1TTL~ by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 / ~,~ Service 4 . 4 0 ~i~~y~ .'~ Affidavit . 0 0 ~~ Surcharge 10.00 R. Thomas Kline ~~ 32.40/ 05/30/2006 ~. 7-I~~n4 PLUESE BECKER SA ZMAN Sworn and Subscibed to By: before me this day Deputy Sheriff of A.D. 1 CASE NO: 2006-02903 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS THRUSH ROBERT B CPL. RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE TENANT/OCCUPANT DEFENDANT the at 1447:00 HOURS, on the 25th day of May 2006 at 111 EAST POMFRET STREET CARLISLE, PA 17013 WILLIAM JOHNSON, TENANT was served upon by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 16.00/ ~7.1?,0~ Sworn and Subscibed to before me this day of , So Answers: -~ ~ R. Thomas Kline 05/30/2006 PLUESE BECKER SAL By. eputy Sheriff A.D. ^ Pluese, Becker & Saltzman, LLC Rob Saltzman, Esquire Attorney Identification No.: 53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney for Plaintiff File No. 78395 WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No. 06-2903 MOTION FOR SPECIAL SERVICE PURSUANT TO ORDER OF COURT Plaintiff, by and through its undersigned counsel, moves this Honorable Court for an Order directing service of the Notice of Sheriff's Sale and all subsequent pleadings upon the Defendant, Robert B. Thrush, by regular mail and certified mail to the Defendant' last known address and in support thereof avers the following: 1. Sheriff has been unable to personally serve the pleadings upon the Defendant(s), Robert B. Thursh. See Return(s) of Service appended hereto and incorporated herein by reference as Exhibit "A". 2. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith effort to establish the current whereabouts of the Defendant(s). See Affidavit of Good Faith Investigation setting forth specific inquiries made by Plaintiff and/or its attorney of record, same being appended hereto and incorporated herein by reference as Exhibit "B". 3. The last known address of the Defendants is 111 E. Pomfret Street, Carlisle, PA 17013. WHEREFORE, Plaintiff respectfully requests this Honorable Court with enter an Order pursuant to Pennsylvania Rule of Civil Procedure 430, directing that service of the Notice of Sheriff's Sale and all subsequent pleadings be effectuated by regular mailing and certified mailing to the property address and to the Defendant(s)' last known address. Respectfully submitted, ~' PLUESE, BECKER & SALT~~A1v, LLC By: Rob SaJxzman,~E'squi~ Atto ev for Plaintiff DATE: October 12, 2006 VERIFICATION ROB SALTZMAN, ESQUIRE, hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to make this Affidavit, and that the statements made in the foregoing MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. Respectfully submitted, PLUESE, BECKER & S AN, LLC By: altzman, Esquire iev for Plaintiff DATE: October 12, 2006 ^ Pluese, Becker & Saltzman, LLC Rob Saltzman, Esquire Attorney Identification No.: 53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney for Plaintiff File No. 78395 WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant. MEMORANDUM OF LAW Docket No. 06-2903 Service of original process may be made by a method of service other than personal service or otherwise not provided for in the Court Rules if the Plaintiff obtains a special Order of the Court. See Pennsylvania Rule of Civil Procedure 430(a). Such special Order may be obtained only if personal service cannot be made pursuant to applicable Court Rule. Id. In order to demonstrate that such service cannot be made, an affidavit attesting to the nature and extent of the investigation conducted to ascertain the whereabouts of the Defendant must be presented to the Court, along with a Motion for Special Service. This investigation must be made in good faith, and must be calculated to actually locate the Defendant. See, Romeo v. Looks 535 A.2d 1101 (Pa. Super. 1987). Examples of good faith efforts to locate a Defendant include inquiry directed to the post office, inquiry directed to relatives, neighbors, friends, etc. of the Defendant, and COURT OF COMMON PLEAS CUMBERLAND COUNTY examination of local telephone directories and public records. Id. a In the instant action, the Cumberland County Sheriff, acting as an agent of the Plaintiff, was unable to personally serve the Defendant, Robert B. Thrush. As more fully set forth in Exhibit "B", the Plaintiffs agents have diligently attempted to ascertain the whereabouts of the Defendant, but have had no success. As a result, the Plaintiff has been unable to personally serve this/these Defendant(s) pursuant to applicable Rules of Court. WHEREFORE, Plaintiff respectfully requests an Order Authorizing service of the Notice of Sheriff s Sale, and all other pleadings, by certified and regular mail to the property address and to the Defendant(s)' last known address. Respectfully submitted, PLUESE, BECKER & SALTZMAN, LLC By: Rob ~Qltzrrlan, Esquire At rnev for Plaintiff DATE: October 12, 2006 t Pluese, Becker & Saltzman, LLC Rob Saltzman, Esquire Attorney Identification No.: 53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney for Plaintiff File No. 78395 WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No. 06-2903 CERTIFICATION OF SERVICE I, Joseph Giuliano, Legal Assistant, of the Law Firm of Pluese, Becker & Saltzman, Attorneys for Plaintiff, Wells Fargo Bank, N.A. as Trustee, hereby certify that I have served a true and correct copy of the appended pleadings/papers upon the following parties at the property address and the last known address: Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 Respectfully submitted, PLUESE, BECKER &~LTZMAN, LLC By: DATE: October 12, 2006 ;man, Esquire for Plaintiff GL 77 EXHIBIT A a 235 SOUTH 13TH STREET PHILADELPHIA, PA 19107 PHONE: (215) 546-7400 FAX: (215) 985-0169 Ber~ice~ for Professioaals Iac. ~ - NA P5 National Association of Philadelphia Association Professional Process Servers o/ Professional Process Servers Wells Fargo Bank, N.A. as Trustee -VS- Robert B. Thrash COURT Court of Common Pleas of Pennsylvania COUNTY Cumberland County • CASE NUMBER #06-2903 AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA: B8R Control # CS030760 - 1 COUNTY OF PHILADELPHIA: Reference Number 78395 ____ _ - - --- ---- I SERVICE INFORMATION On 5 day of September, 2006 we received the Ij Notice of Sheriff Sale for service upon Robert B. Thrush ~ i, at 111 E. Pomfret Street Carlisle, PA 17013 *"'` Special Instructions *** Served Date Time Accepted By: ____ In the manner described below. I Personally served. ~, Adult family member. Relationship is _ Adult in charge of residence who refused to give name and/or relationship. - -- --i _, Manager/Clerk of place of residence lodging _ j Agent or person in charge of office or usual place of business _. _ Other Description of Person Age _ __ _ __ Height Weight Race Sex Other -.-____ Not Served Date ~9 ~ ~~~~ Time ~~}: ~~ ~//`~ Not Served Information Moved Unknown No Answer ~ Vacant Other The Process Server, being duly sworn, deposes and says that the facts set forth herein are true and correct to the best of their knowledge, information and eli f. Process Server/She~i#f Law Firm Phone (56)813-1700 Fo Robert Saltzman, Esquire Pluese, Becker & Saltzman, LLC 20000 Horizon Way Suite 900 Mount Laurel, NJ 080544318 NOTARIAL SEAL EBONE M. TURNER, Notary Pt~#a City of Harrisburg, Dauphin Cou Iv Commission Expires A rip 16, Z ~rn to and subscribed before me this /' day of ~ ~ d ~- -> -- r la Public ServeBy Date 9/22/2006 Filed Date Sale Date 12/6/2006 CLIENT COPY 248VC EXHIBIT "B" Confidential Investigative Services, Inc. ATTENTION: Marlo Washington Pluese, Becker & Saltzman, LLC Zooo Horizon way Ste. 900 Mount Laurel, NJ 08054 File #: 78395 Plaintiff: Wells Fargo Bank, NA County: Cumberland vs. Term #: Defendant: Robert B. Thrash Locate: Robert B. Thrush Address Given: 1.11 E. Pomfret Street, Carlisle, PA 17103 AFFIDAVIT OF GOOD FAITH INVESTIGATION LAST KNOWN ADDRESS 111 E. Pomfret Street, Carlisle, PA 17103 INQUIRY OF THE CREDIT BUREAU The credit bureau reports that the most current address of the subject is 111 E_Pomfret St, #1 F, Carlisle, PA 17013. INQUIRY OF THE PENNSYLVANIA DEAPARTMENT OF TRANSPORTATION- The Pennsylvania Department of Transportatiort -Division of Motor Vehicles reports that operator license number 15397080 is issued to Robert Bruce Thrush of 111 E Pomfret St, Apt 1, Carlisle, PA 17013. Note the subject's license is current 'and not due to expire until- June 28, 2008. INQUIRY OF U:S. POST OFFICE (FOIA) A request has been forwarded to the Carlisle Poste Office. I will forward.their response immediately upon my receipt. SEARCH OF LOCAL TELEPHONE DIRECTORIES ~ PHONE GOMPANY OPERATOR CONTACT The telephone company operator reports that 717=249-9026 is issued to the-subject at 111. CONTACTS No neighbors could be contacted to confirm the subject's residency. I CERTIFY UNDER PENALTY OF PER]lTRY, THAT THE FOREGOING IS TRUE AND CORRECT, TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. A~FFIANT: DIANE COWAN, CLI 235 South 13th Street SW > S SCRIBED BEFORE ME THIS Philadelphia, PA 19107 OF 200 (215) 546-7400 ~ ~_ (800) 503-7400 ~-~ Fax (2TS) 985-0169 N T P LIC OMMfONWEALTH QE ~'EtVNSY[.Y~RNiA I~UTARiAL SEAL MELISSA H. KAPLAN, Notary Public Grly of ~hil~defphia, E~i(a. County . c, _ ~~tpir~s march 29, 20Q8 Report Results -This Form Produced by Equifax ~ User Reference: DIANE Page 1 of 1 "Inquiry ~nformation• Date of Inquiry: 04/24/2006 UserID: DIANE Subject Information: Name: thrush, robert SSN: 184-38-0991 Current Address: 111 pomfret ST E Carlisle, PA 17013 Report Results * ADDRESS DISCREPANCY - NO SUBSTANTIAL DIFFERENCE OCCURRED ***************************************************************************** * 199 EQUIFAX INFORMATION SERVICES LLC, P 0 BOX 740241, ,ATLANTA, GA, 30374-0241,800/685-1111 *THRUSH,ROBERT,B SINCE 07/06/97 FAD 04/20/06 FN-222 111,E POMFRET,ST #1F,CARLISLE,PA,17013,TAPE RPTD 06/04 TELEPHONE NUMBER (717) 249-9026 SPEC 03/06 POB 956,,,ABBEVILLE,SC,29620,TAPE RPTD O1/O1 13,HANOVER,ST PT 21,CARLISLE,PA,17013,TAPE RPTD 07/00 BDS-06/27/1949,SSS-184-38-0991 O1 ES-,CUMBERLAND BUILDING AND DESIGN& END OF REPORT EQUIFAX AND AFFILIATES - 04/24/06 https://www.eport.equifax.com/edat/servletlcom.equifax.gt.edat.ui.ResultRouter 4/24/2006 i L~1•;NNSYLVHIVIH Uk;YHK'1'L~i~N'1' Ur' '1'KANSYUK'1'H'1'lU1V •' BUREAU OF DRIVER LICENSING BASIC DRIVER INFORMATION APR 27 2006 DRIVER: ROBERT BRUCE THRUSH DRIVER LICENSE NO 15397080 111 E POMFRET ST DATE OF BIRTH JUN 27 1949 APT 1 SEX MALE CARLISLE, PA 17013 RECORD TYPE REG LICENSE DRIVER LICENSE '(DL) LICENSE CLASS C LICENSE ISSUE DATE: APR 09 2004 LICENSE EXPIRES JUN 28 2008 ORIG ISSUE DATE APR 12 1991 NlED RESTRICTIONS NONE LEARNER PERMITS LICENSE STATUS COMMERCIAL DRIVER LICENSE (CDL) CDL LICENSE CLASS CDL LICENSE ISSUED CDL LICENSE EXPIRES: CDL ENDORSEMENTS NONE CDL RESTRICTIONS NONE CDL LEARNER PERMITS: CDL LICENSE STATUS SB ENDORSEMENT PROBATIONARY LICENSE (PL) PL LICENSE CLASS PL LICENSE ORIG ISS: PL LICENSE ISSUED PL LICENSE EXPIRES PL LICENSE STATUS OCCUPATIONAL LIMITED LICENSE (OLL) OLL LICENSE CLASS OLL LICENSE ISSUED OLL LICENSE EXPIRES: OLL LICENSE STATUS *** END OF RECORD *** 111 East Pomfret Street, Apt 1 Po ovic 7adranka 111 E Pomfret St %S~d~/IfL~~~ Carlisle, PA 17013-3315 717-218-5412 ' hrush Robert 111 E Pomfret St ~ ~p ~(S~ Carlisle, PA 17013-3315 717-249-9026 /t/O CLfjS~I'- en rz n Karen A 117 E Pomfret St ~'" lv~ r 0 k ~ /SS~. ~ Carlisle, PA 17013-3315 717-249-9094 ' -'` -f-elP k. o r ~-f,L 7 - ~} y - 0~1~ i 155uC~C~ l~ ~i,~ ~C-~ ~' !ll . Confidential Plaintiff: Wells Fargo Bank, NA Investigative County: Cumberland Services, Inc. mss. Term #• Defendant: Robert B. Thrush Locater Robert B. Thrush Address Given: 111. E. Pomfret Street, Carlisle, PA ATTENTION: Mario Washington Pluese, Becker & Saltzman, LLC 2000 Horizon Way, Ste. 900` Mount Laurel, NJ 08054 File #: 78395 AMENDED AFFLDAVIT OF GOOD FAITH INVESTIGATION LAST KNOWN ADDRESS 111 E. Pomfret Street, Carlisle, PA 171:03 - - . INQUIRY OF THE CREDIT BUREAU The credit bureau reports that the most current address bf the subject is 111 E Pomfret St, #1 F, Carlisle, PA 1701.3. INQUIRY OF THE PENNSYLVANIA DEAPARTMENT OF TRANSPORTATION The Pennsylvania Department of Transportation -..Division of Motor Vehiclesreports that operator. license number 1`5397080 is issued to Robert Bruce Thrush of 111 "E Pomfret St, Apt 1, Carlisle, PA 170.13. Note. the subject's license is current and not due to expire until June 28, 2008. INQUIRY OF U.S. POST OFFICE (FOIA) The Carlisle Post Office reports mail is good as addressed to the subject at 111 E. Pomfret Street, Carlisle., PA 17103. SEARCH OF LOCAL TELEPHONE DIRECTORIES & PHONE COMPANY OPERATOR CONTACT The telephone company operator reports that 717-249-9026 is issued to the subject at 11-1. CONTACTS No neighbors could be contacted to confirm the subject's residency: I CERTIFY UNDER PENALTY OF PERJURY, THAT'THE FOREGOING IS-TRUE AND CORRECT, TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT FALSE-STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. AFFI~ANT: ~ v DIANE CO , CLI ,, 235 South 13th- Street SWO & SUB CRIBED BEFORE ME THIS (-CJ~ " Philadelphia, PA 19107 OF __ , 2006 rt ` (215) 546-7400 (800)503-7400 Fax (215) 985-0169 -.~J ~m~rvwrp-LTl-i Oil PEI`it~i~YLV»s Dili NOTARIAL SEAL SUSAN L. RpSENFELD, ~Jotary Publrc City of Philadelph~e, Phila. Cuur~t~+ ~y Commi55{c3h ~~~~~ Notch -I'1, ~~Oa B&R Services for ProfessionOls Inc. Court Filing • Process Sernng _ • Court Reporting Date: May 8, 2006 Postmaster Please provide apartment number or Carlisle, PA 17013 physical address, information for post office boz, City, State, ZIP Code if applicable Request for Change of Address or Bozholder Information Needed for Services of Legal Process PLEASE FIIRNISA THE NEW ADDRESS OR THE NAME AND TAE STREET ADDRESS (IF A BOXAOLDER) FOR THE FOLLOWING: Name: Robert B. Thrush Address: 111 E. Pomfret Street NOTE: The name and last known address are required for change of address information. The name, if known, and post office box address are required for boxholder information. The following information is provided in accordance with 39 CFR 265.8(dx6xu). There is no fee for providing boxholder information. The fee for providing change of address information is waived in accordance with 39 CFR 265.6(d)(1) and (2) and corresponding Administrative Support Manua1352.44a and b. 1. Capacity of requester is a process server. 2. Statute or regulation that empowers me to serve process is Pennsylvania Rules of Civil Procedure 400.1. 3. The names of all known parties to the litigation: Wells Fargo Bank, NA v. Robert B. Thrush 4. The Court in which the case has been or will be heard: Cumberland County Court of Common Pleas 5. The docket or other identifying number if one has been issued: 6. The capacity in which this individual is to be served is a defendant. WARNING THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS TN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO 410,000 OR IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.C. SECTION 1001) I CERTIFY THAT THE ABOVE INFORMATION LS TRUE AND THAT TI-lE ADDRESS INFORMATION TS NEEDED AND WILL BE USED SOLELY FOR SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION. 1 `-~~-----"' 235 South 13th Street Signature Address Diane Cowan Philadelphia. PA 19107 Printed Name City, State, ZIP Code FOR POST OFFICE USE ONLY ail is good as addressed. . _ Not known at address given. NEW ADDRESS OR BOXHOLDER'S POSTMARK Moved, left no forwarding address. NAM_ E.AND STREET ADDRESS _ No such address. w ` '~~1.~ I .,~ ;~;, ~' ~C~' i " ~ ,.~" ' ~~ ..,.,' ~, WELLS FARGO BANK, N. . AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant. ORDER Docket No. 06-2903 h AND NOW, this day of ~ • , 2006, upon consideration of Plaintiff s Motion and the Affidavit in ood Faith Investigation attached hereto, it is hereby ORDERED that service of the Notice o Sheriff's Sale and all other pleadings on Defendant, Robert B. Thrush, shall be complete w en Plaintiff has mailed the pleading by certified mail and regular mail to the last known addre s located at 111 E. Pomfret Street, Carlisle, PA 17013 and to the property located at 111 E. Pomfret Street, Carlisle, PA 17013. BY TIDE COURT: C C ~"~ ~ ~ ZOU6 COURT OF COMMON PLEAS CUMBERLAND COUNTY 5 rV, W r ~, . ~~ ,,~ ~;;-~i ~C~ ~~ PLUESE, BECKER & SALTZMAN, LLC Attorneys At Law Rob Saltzman, Esquire / I.D. No. 53957 20000 Horizon Way Suite 900 Mt Laurel, New Jersey 08054 (856) 813-1700 Attorney for Plaintiff WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY ROBERT B. THRUSH Defendant Docket #06-2903 AFFIDAVIT PURSUANT TO Pa R.C.P. 3129.2 Joseph Giuliano, of full age, being duly sworn, deposes and states the following: 1. I am a Legal Assistant with the firm of Pluese, Becker & Saltzman, LLC, local counsel to the Plaintiff in the above-referenced mortgage foreclosure action. I make this Certification predicated upon personal knowledge, matters of record and documents maintained in our firm's file. 2. Diligent efforts have been made to identify all persons/entities holding mortgages, judgments, liens, or other interest in the subject premises of the foreclosure proceeding. The efforts made include, but are not limited to a review of the Court dockets and those interests or encumbrances disclosed by the records of the Recorder of Deeds Office in the County wherein the subject property is located. Due to circumstances beyond Plaintiff s control, such land records are accurate and report liens or interests recorded through the applicable "cover" or "board" date only, and it is not possible to ascertain the identity of any subordinate lienors whose interests have been recorded after the said cover date. 3. All persons/entities holding mortgages, judgments, liens or other interest in the subject premises, and as limited by the circumstances hereinbefore described, have been provided Notice(s) of Sheriff s Sale. See Exhibit "A", Notice of Sheriff's Sale. Our File #78395 4. The Notice(s) of Sheriff's Sale herein was (were) duly served upon the recipients in accordance with Pennsylvania Rule of Civil Procedure 3129 and/or pursuant to an Order for Alternate Service by posting the subject property and as otherwise stated in the annexed Affidavit of Service. See Proof(s) of Mailing and/or Order and/or Affidavit(s) of Service annexed, collectively marked Exhibit "B." I hereby declare that the foregoing statements are true and correct to the best of my knowledge, information and belief. I am aware that if the foregoing statements are willfully false, I am subject to punishment. Respectfully Submitted, Pluese, Becker & Saltzman, LLC By. ; `~, Date: November 17, 2006 ~hiseph Giuliano Our File #78395 ~~ N ~~ T oy O ~ C W ~A ~ m O +i ~ ro v c d N mo N ~~ ~ ~ ~_ ~_ O O_ O 'n m .,r ~D N - ~ 3 O -s 'O' O v z d ^' ~ rn `r ~ wI n m! a 4t ~ n w O 1~ N 6 O !~`,, ~ ~'V m W 1 ~Y V Jt i ~~iA "D n-b j N N wI o[ ~ ~ e, -~..o ~a'~j Zvi .o ~ ~~a'S`o I~° `a ~ `x 3,~ i. a +'v G~ ~ ,n,ol ',3'i< ~ D~w~`~ N, D~~~~ o~-~- N a ~ :wl~ :n ~, ~.~ m? o ; + I ` I i ~ S ~ 1{ ~ j - ~ ~ 1 m b ~ i - 1 j j ~ ~ i I '~ j i N ~ j ~ m m 1 fi ~:. 9 r to W W 3 .. ~ - c m livery I ~ ~ c~i-'~ ~ oaooo „~ ~ C7 ~; vIC7 ~~ ~ Ci . ;: m Q a ~ao~ ~ m`L~ ur • NiCp.3 , m m!o, ~ 1CD a' , ~ ° , co N i ~ co , c x •~ o iin~Nt~ • w -lN~in. , ~D ~ ~ m c o 2 d.~ 3 m - ° - D 7~0 rnjm v' ~i~ y,o ~ !n ~ p!" ~ 3 - • m b o -~ N c o ~ 3 3>~ ~ ~ ; ~! Io i-~ o. o ~ i w : ~a N w ?m Vs ~ `~ ~ 3 w ~ I,D ' ~ ~ ~ . ~ ~' ` i~ ` ~. I 1 ~ o o as p . o ~ O ,- I ` ,,i fJl to A O 1i 1• ~ . N i . 4e m A~ n G - N ~ I `m :O ': v ~ ~ ; ~ ~ 3 Q ~ ~ ' = i ~ _ ~ ~ $ ~ m 4 W y~~3 j~ ~ ~~ ~~~~~ cc ~I,p ~~~~ O1 ~x~'" ~ v m~a_~~ x ~ a~ ~ ~ -- ~ ~, _ ~ 7 ~~ ~ m `°. - UI b W dro ~~ m ~ c'm ma O ~m C. (i ~J ~C~JO.~i{IL WGd~ ~~~i ~C~J if gryn~ £~ n..np,~ tZ££~'`:ZDC~:~ ` ~~~e~.Q ~ di 40 _ e S3M0fl h3 R11td ~ ~ - ::. ~.ik .a ~ ~ te ~'' ~'~ ~ _ _ _ .. e: 4 ~ ~ ~ ~-t'y~ b~$ Od S Tv ~n :~ T N . E "~~N m= ~~ I ~ w~ ffm 0 I~ ~ cr -.~ 1 an ~ ~ N m~ I ~ o ~ ~ ~~ m~ ~~ Q p~ a N ~ ? 6 m N O cq _ o m~ ~'° -o ~;1 t m 1 ' ; , 1 1 ;^ ~ 1 ~ ~ ~ 3 d -a 3 ~ m ~ ~ ' ~ 1 ~ ~ ' ~ ~ ~i 1 m ~ ~ ~ 3 } m ~ ~ 1 x ` O .t m '~ q ..e tqi A m {9 I m z m ~ d ~ w' ~ ¢ U o ~,,.~ m ~ a m 3 ~. ~ z ~` t ~ pU C~ tS7 V ~ ~; a W ' 7 ' C> ooaa o y t,~. ~ . ~ ~ t m' rri c -.s K cb O `D ~2 m ~ c Y p ~ ~ ., ~ ' ~ ~ ~ ~ ~ ~ ~ ~ ~ 1 0 ~ ; ~ ~ ~` U' N ~ ~ I '~ '' y ~' '~ ~~ w ,; ~ ~ t F ,1 ~ ~ .~ ` ~ ~ $_ ~ « ~ ~ '~ ~'~ ~ _ ~ ~ p Q d ~ ' 't ' ' ' , , ~' ;, m 3 a 6 ` ~1 ; ,~ i v ~ ~ '` i 1 'I ~ ~ 1 I 1 ~ m ~ Q ~ •1 . 1 1 i I v ~ ~ j ,l ! o Yo ~ ~ ~ ' 1 ' ~ ~ ` 1 m .~ R ~, ~ T ~~ 2 N m ~ S $, a ~1~' ~; 4 7 m 3v '6 m to g. -~';. s m u` ~ CD m ma ~m ~~ ~ c to i' < mm A 6 t , ~ m ~~ a ,f ~ c -:. m ~a 0~ ~~ ^f5 ~ 1 b CCC ~~~I ~-~ N m = }TA m 0 I'~ A mA PLUESE, BECKER &SALTZMAN, LLC Attorneys at Law 20000 HOR]ZON \~VAY SUITE 900 ROB SALTZMAN • MT. LAUREL, NEW IERSEY 08054-4318 htial!rn~ns'ci:p.hslati+~•"r° (856) 813-1700 FACSIMILE: (856) 813-1720 SANFORD J. BECKER Sit ~i!c!:Ph ~la~j _-urg PENNSI'LVANIA OFFICE: ROBERT T. PLUESE 425 COMMERCE DRIVE, SUITE 100 IlPL~r~r~i;nhilaw nr° FORT WASHINGTON, PA. 19034 (215j546-3205 ROBERT F. THOMAS J 2' Cl~ um:isu: ph:sla ~s -oig Please reply to: Mt. Laurel, New Jersey OF COUNSEL: Katz, Euin R Levine, P C. The Law Offices of Barbara A Fein. P.C. • PA and NJ Bars NOTICE OF CUMBERLAND COUNTY SHERIFF'S SALE To: All Interested Parties, identified in the Annexed Affidavit Re: Wells Fargo Bank, N.A. as Trustee v. Robert B. Thrush Docket No. 06-2903 Property: ] ] 1 E. Pomfret Street, Carlisle, PA l 70] 3 Please be advised that the above-referenced property (and any improvements thereon) is scheduled to be sold by the Cumberland County Sheriff's Department on Decemher (,~, at l 0:00 A.M. at the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013-3387. This sale is scheduled pursuant to a Final Judgment in Mortgage Foreclosure entered in the amount of $9l ,086.31 in the Court of Common Pleas for Cumberland County. Our records indicate that you may have an interest in or judgment encumbering the mortgaged property which may be extinguished (removed} by the sale. You may wish to attend the sale or otherwise act to protect your interests. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (30) days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the filing of the schedule. You may call the Cumberland County Sheriff's Department at (717) 240-6390 for the date on which the distribution schedule will be posted. Sincerely, By: Rob Saltzman, Esquire Attorney for Plaintiff Our File #78395 ~-.. ~ ~ ~~_ ~~ _ ~i~ - Y ~.» `~f i {'~~ . ~'-Y s ,7 __~ .,,., ' - ` r. -; .,~ Pluese, Becker & Saltzman, LLC Rob Saltzman / I.D. No. 53957 20000 Horizon Way, Suite 900 Mount Laurel, N3 08054 (856)813-1700 Attorney for Plaintiff File No. 76225 WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY ROBERT B. THRUSH Defendant Docket #06-2903 CERTIFICATE OF SERVICE I, Rob Saltzman, Esquire, counsel for the Plaintiff, Wells Fargo Bank, N.A. as Trustee, hereby certify that a true and correct copy of the Notice of Sheriff s Sale was sent by regular mail and certified mail postage pre-paid to the following: Robert Thrush 111 E. Pomfret Street Carlisle, PA 17013 Respectfully Submitted, PLUESE, BECKS SALTZMAN, LLC Rob Salt: Attorney Our File #761 14 WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant. Docket No. 06-2903 ORDER AND NOW, this ~-~-~"day of , 2006, upon consideration of Plaintiffs Motion and the Affidavit in Good Faith Investigation attached hereto, it is hereby ORDERED that sewice of the Notice of Sheriff's Sale and all other pleadings on Defendant, Robert B. Thrush, shall be complete when Plaintiff has mailed the pleading by certified mail and regular mail to the last known address located at 11 ] E. Pomfret Street, Carlisle, PA 17013 and to the property located at 111 E. Pomfret Street, Carlisle, PA 17013. BY THE COURT: S J. TR~~F ~'~"'~"~'" ~"'-°'~~ ~E~t?RD e . my hand Its le~~i~,.. ~ ~~ 311 11@ SEat!v~ r j ~--1--- ~aY ~ ~'' ,••.... 1 ~ nN. n n NY1 . _ f~ COURT OF COMMON PLEAS CUMBERLAND COUNTY ~, rn D N s ~ ~ ~ ~ ~ ~' `= o0 a ~ ~, ° ~ m ~ ~ ~ u tii O 0 ~ 0. ~ Z ~ ~ (~ ~ -- U 0 W N ~ ~ u~ ,/~ ~ ~~~ ~~) r f n ~: ~ ~ ~ ~i a vl ''"" .~ m w ~ *~ ~ U e m , ~ o 0 Q ~ ~ ~Fi U ~ N ~` W ~ ~ ~ // y~~ ~ c 6M~e Z z°o ~-, ~ ;_i ~_ `~ _.~ __ ~- "} ;~..~ ._; -,-, - r,~ _. -, rs, PLUESE, BECKER &SALTZMAN, LLC Attorneys at Law ROB SALTZMAN RSalvman a~bslaw ors_> SANFORD J. BECKER SF3ccl,er:uJ~bslaw.olg ROBERT'T. PLUESE IZ_P_I_u~sc'~{,_hhsla~r ur r ROBERT F. THOMAS IZ I_harna_~~l~nv.c}r~, 20000 HORI70N WAY SUITE 900 MT. LAUREL, NEW JERSEY 08054-4318 (856) 813-1700 FACSIMILE: (856) 813-1720 PENNSYLVANIA OFFICE: 425 COMMERCE DRIVE, SUITL 100 FORT WASHINGTON, PA. 19034 (215) 546-3205 Please reply to: Mt. Laurel, New Jersey OF COUNSEL: Katz, Ettin & Levine, P.C. I'he Law Oftices oI' E3arbara A. Fein, P.C_ • PA and NJ Bars January 24, 2007 Office of the Prothonotary Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013-3387 Re: Plaintiff's Motion to Open Sheriff's Sale Wells Fargo Bank, N.A. as Trustee v. Robert B. Thrush Docket #06-2903 Dear Sir or Madam: Enclosed please find Plaintiff's Motion to Open Sheriffs Sale, which I request to be filed on behalf of Pluese, Becker and Saltzman LLC. Kindly forward the original Motion to Open Sheriff s Sale for granting and please rehzrn one time-stamped copy of the filed Motion in the postage paid envelope attached. Thank you for your assistance in this matter. If you are in need of any further information, please feel free to contact me at (856) 813-1700 ext. 241 or via email at Jgiuliano@pbslaw.org Sincerely, J~~~, Joseph Giuliano, Legal Assistant for Pluese, Becker & Saltzman, LLC PLUESE, BECKER & SALTZMAN, LLC Rob Saltzman, Esquire Attorney ID No.: 53957 20000 Horizon Way, Suite 900 Mt. Laurel, New Jersey 08054 telephone: (215)546-3205 telecopier: (856)813-1720 email: rsaltzman@pbslaw.org Attorneys for Plaintiff File No. 78395 Wells Fargo Ba@ N.A., as Trustee, Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY v. Robert B. Thrush., Defendant Docket No. 06-2903 PLAINTIFF'S MOTION TO OPEN SHERIFF'S SALE Plaintiff, Wells Fargo Bank, N.A., as Trustee ("Plaintiff'), by and through counsel, Pluese, Becker & Saltzman, LLC, Rob Saltzman, Esq., appearing, respectfully represents the following in support of the within Motion to Open Sheriffs Sale: 1. This is a residential mortgage foreclosure (the "Foreclosure") action. Plaintiff holds a first purchase money mortgage ("Plaintiff s Mortgage") encumbering property (the "Property") owned by Robert B. Thrush "Defendant," the "Mortgagor" or "Mr. Thrush"), located at 111 East Pomfret Street, Carlisle, PA 17013. The Complaint herein was filed on May 19, 2006, process was served upon the Defendant/Mortgagor, Final Judgment entered and a Writ of Execution issued.. See Complaint, Final Judgment and Writ of Execution annexed, collectively marked Exhibit "A." 2. A Sheriff s Sale was scheduled (the "Sheriff's Sale")pursuant to the duly entered Final Judgment and duly issued Writ of Execution, and the amount due upon Plaintiff s Mortgage at the time of the Sheriff s Sale was $94,139.23. See Exhibit "B," Bidding Instructions. 3. Pursuant to Pa. R.C.P. 3129, Notice of the Sheriffs Sale was provided to the holders of all liens encumbering the Property. See Exhibit "C," Affidavit Pursuant to Pa. R.C.P. 3129.2. 4. The Sheriff s Sale was conducted on December 6, 2006. 4. No junior lienor nor any member of the public bid at the Sheriffs Sale. In the absence of any competitive bidding, the Property was struck off by the Sheriff to the Plaintiff for the nominal bid. The Sheriff s Deed has not been delivered as of the date hereof. Had any interested third parties appeared to bid, including junior lienors, Plaintiff was prepared to bid the full amount due upon its Final Judgment and Writ of Execution, i.e., $94,139.23. Any such third-partybidder or junior lienor would have been required to bid in excess of $94,139.23 to bid in the Property and/or protect their junior lien, or be foreclosed and such junior lien would be extinguished. 5. Following the Sheriffs Sale, Plaintiff placed the Property on the market for sale as a property in their Real Estate Owned portfolio (the "REO Sale") and preparations were made for entry into a contract for sale with a ready, willing and able buyer. 6. On January 16, 2007 at 5:59pm, the undersigned Plaintiff's counsel received an email from Plaintiff s REO contractor, who noticed an inconsistency between the contents of the Affidavit Pursuant to Pa. R.C.P. 3129.2 and the Proof of Mailing annexed thereto. Specifically, the Proof of mailing did not reflect service of the Notice of Sheriff's Sale upon the Second Mortgagee, Beneficial Consumer Discount Mortgage Company (the "Junior Lienor") holder/servicer of a second mortgage line of credit (the "Second Mortgage") recorded on October 13, 2005 in Book 1926 at Page 4012 et seg. See Exhibit "D," Printout of Electronic Mail. 7. It presently appears that the Notice of Sheriff's Sale was indeed served upon the Junior Lienor, consistent with prevailing practice, but the inconsistency between the Affidavit and annexed Proof of Mailing constitutes a cloud upon Plaintiff's title to the Property and thereby impedes the REO Sale. 8. This Motion is being filed as promptly as practicable after receipt of the REO Contractor's email, investigation into the operative circumstances and consultation with the Sheriff's office. 9. Plaintiff respectfully submits that an equitable resolution of this unfortunate problem would be to provide the Junior Lienor that of which they may claim to have been deprived: the opportunity to bid on the Property at a duly Noticed Sheriff s Sale. Upon information and belief, other Courts have resolved the problem of an omitted junior Lienor via an Order providing for a second Sheriffs Sale at which the omitted junior Lienor has the opportunity to choose to either bid or be foreclosed., which is exactly the same opportunity and choice he/she/they would have had upon Notice of the original Sheriffs Sale. 9. Plaintiff respectfully submits that the foregoing proposed resolution will enable the Property to be sold to someone who will put it to good use while simultaneously providing the Junior Lienor with a complete remedy. The Junior Lienor herein will not be prejudiced in any way by providing them with his opportunity to bid against Plaintiff at a Sheriffs Sale at this juncture. They were entitled to no less than Notice of Sheriffs Sale in this Foreclosure action and are is entitled to no more now. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order providing that the Sheriff s sale herein be opened for the limited purpose of conducting another Sale, upon Notice to the Junior Lienor only and without readvertising or further deposit, providing that the Junior Lienor and Plaintiff be the only bidders at such Sale and that, if the Junior Lienor does not bid in the Property at an amount in excess of Plaintiff's bid, predicated upon the amount due on their Final Judgment, then the Junior Lienor's Second Mortgage lien shall be foreclosed and extinguished as an encumbrance upon the Property. Respectfully Submitted, C /~ LUESE, BECKER & SALTZMAN, LLC ob Saltzman, Esquire ttorney ID No.: 53957 )000 Horizon Way, Suite 900 [t. Laurel, New Jersey 08054 lephone: (215)546-3205 -lecopier: (85b)813-1720 nail: rsaltzman@pbslaw.org .ttorneys for Plaintiff ile No. 75091 Wells Fargo Ba@ N.A., as Trustee, COURT OF COMMON PLEAS Plaintiff, v. Robert B. Thrush, Defendant CUMBERLAND COUNTY Docket No. 06-2903 MEMORANDUM of LAW in SUPPORT of PETITION TO OPEN SHERIFF'S SALE laintiff respectfully incorporates herein the recitation of operative facts and circumstances described the within Motion. Courts have held that the proper method for challenging a completed Sheriff s Sale is for the ieved party to file a Petition to set aside the Sale. See, Farmers First Bank v. Wagner, 4~5 Pa. uper. 107, 687 A. 2d 390 (Pa. Super. 1997), citing Pa. R.C.P. 3132. Petition to set aside a Sheriff's sale is based upon equitable principals and is addressed to the Fund discretion of the trial court, whose discretion will not be disturbed absent a clear abuse of that iscretion. Bornman v. Gordon, 363 Pa. Super. 607, 527 A. 2d 109, app. den. 517 Pa. 620, 538 A. d 874 (Pa. Super. 1987}. In the instant action, Plaintiff respectfully submits that it would be uitable to bind them to the outcome of the prior Sheriff s sale herein when the result would be cloud upon Plaintiff s title inhibiting a subsequent REO Sale to a purchaser in a position to make al use of the forecloses Property and maintain taxes going forward. Similarly, it is settled that a petition to set aside a Sheriff's Sale is an appeal to the equitable powers f the Court, powers which the Courts have continuously and consistently used to relieve parties the consequences of their own mistakes. Com. Nat.Bank v. Stoll, 63 Lanc. Rev 225 (Pa. Com. I. 1971). Assuming, arguendo, that even if the Mortgagee/Plaintiff "mistakenly" did not serve the ;quisite Notice of Sheriff's Sale herein upon the Junior Lienor or "mistakenly" prepared and filed Proof of mailing inconsistent with the Affidavit to which it was annexed, any such "mistake" does ~t rise to the level of one that would militate against granting the relief requested herein. The ive circumstances are simply these: it is now impossible to prove to a prospective purchaser, r their proposed title insurer, that the Notice of Sheriff's Sale was served upon the .lunior enorlSecond Mortgagee, clouding title to the foreclosed Property and inhibiting its resale. y reason of the foregoing, the MortgageeCPlaintiff respectfully submits that this application tutes an appropriate exercise of this Honorable Court's equitable powers consistent with ~plicable authorities. espectfully Submitted, i luese, Becker z ? LLC ,,. ,. Y~ ~ ~J f ;~ Rob,B~ mar}~squire r gated: January 19, 2007 VERIFICATION ROB SALTZMAN, ESQUIRE, hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to make this Affidavit, and that the statements made in the foregoing MOTION TO OPEN SHERIFF'S SALE are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties oi' 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. Respectfully submitted, PLUESE, BECKER &~_ SALTZ'VIAN, LLC :/,,-- ~~~~nzirlx~i, Esquire ~ e~ or Plaintiff DATE: January 23, 2007 Pluese, Becker & Saltzman, LLC Rob Saltzman / LD. No. 53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney for Plaintiff File No. 78395 Wells Fargo Bank, N.A. as Trustee, Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY Robert B. Thrush, Defendant Docket No. 06-2903 CERTIFICATE OF SERVICE I, Rob Saltzman, Esquire, counsel for the Plaintiff, Wells Fargo Bank, N.A., as Trustee, hereby certify that a true and correct copy of Plaintiff's Motion to Open Sheriff's Sale was sent by regular mail and certified mail postage pre-paid to the following: Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 Respectfully Submitted, PLUESE, BECKE~i SALTZMAN, LLC ~ ~ ~~ ~~ ji / ~' Ro a an; Esquire Attorney £or Plaintiff Dated: January 23, 2007 Our File #78277 EXHIBIT "A" Pluese, Becker & SaltzmaL, ~,LC Rob Saltzman, Esquire Attorney Identification No.: 53957 20000 Horizon Way, Ste 900 Mt. Laurel, NJ 08054 (856) 813-1700 Attorneys for Plaintiff / ~~`_~• WELLS FARGO BANK, N.A. AS COURT OF COMMON PLEAS TRUSTEE CUMBERLAND COUNTY Plaintiff, ~_ ~~ ROBERT B. THRUSH Defendants. CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NC T ICE l'OU FIAVE BEEN SUED IN COURT. IF YOU W]SH TO DEFEND AGAINST THE CLAIMS SET FORTH N 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 ATTORNE)' AND FILING THE WRITRJG 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 W]THOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WTTHOU7 FURTHER NO"FILE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF R>:QUESTED BY T}IE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE TH]S PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GOT TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU C AN GET LEGAL HELP CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 NOT1CiA LE HAN DEMANDADO A USTED EN LA CORTE S] USTED QUIER E DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE (30) DIAS DE PLAZO A PARTIR DE LA FECHA DE LA DEIvfANDA Y LA NOTIFICACION USTED DEBE PRESENTAR UNA APARIENCIA ESCR]TA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE SUS DEFE:NSAS U SUS OBJECIONES A LAS DEMANDAS ENCONTRA DE SU PERSONA S1:A AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AV ISO O NOTIFICACION O YOR CUALQIER QUE]A O AIJV10 QUE ESPEDIDO EN LA PI~TICION DE DEMANDA USTED PUEDE F'ERDER DINERO, SUS PROPIEDADES O OTROS DERJ:CHOS IMPORTANTES PARR USTED. LLEVE ESTA DEMANDA A UPJ ABOGADO IMMEDIAT.4MENTE `>1 NO TIENE ABOGADOO SI NO7IENE FL DINERO SUFICIEN"IE PARR PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME YOR TELEFONO A LA OFICFNA CUl'A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGLIAR DONDE USTED PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLANll COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 (" ~~ . ` ,_., -II - - '-L .. }.,~ CNLL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is: Wells Fargo Bank, NA as Trustee 1100 Corporate Center Drive Raleigh, NC 27b07 2. Plaintiff is, or will be, the owner of legal title to the mortgage that is the subject of this action, and nominee for the entity indicated below, which is the owner of the entire beneficial interest in the mortgage: FrPrn~nt Tnvestrr1Pnt R~ 1 .oan 175 North Riverview Drive Anaheim, CA 92808 3. (a) Defendant, Robert B. Thn~sh, is an individual whose last known address is 1 11 East Pomfret Street, Carlisle, PA 17013. (b) Defendant, Robert B. Thrush, holds an interest in the subject property as mortgagor and record owner. (c) If any of the above named Defendants are deceased, this action shall proceed against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and/or executors through their estate whether the estate is probated. 4. (a) The residential mortgage being foreclosed encumbers property located at 111 East Pomfret Street, Carlisle, PA 17013, County of Cumberland. (b) All documents evidencing the residential mortgage have been recorded in the Recorder of Deeds' Office in Cumberland County, Pennsylvania. (c) On October 3, 2003, the defendant /mortgagor made, ex ecuted and delivered a mortgage (the "Mortgage")upon the premises hereinafter described to Fremont Investment & Loan which mortgage is recorded in the Office of the Recorder of Cumberland County, on October 6, 2003, in Mortgage Book 1830, Page 3693. Plaintiff is now the legal holder of the mortgage and is in the process of formalizing an assignment of same. (d) The legal description for the property is attached hereto and incorporated herein as Exhibit "A" (Legal Description) . (e) Pursuant to Pa. R.C.P. 1147 (1 }and 1019(8) Plaintiff is not obli Bed to append rnpie.~ of the above me~~tioned p»bl_iCly recorded documents to this mortgage foreclosure action. These documents are, however, appended hereto and incorporated herein by reference as Exhibit "B",Mortgage. (f) The Combined Notice has been sent to the Defendant(s) by regular and certified mail as required by 35 P.S. 51680.403c on the date(s) set forth in the tnie and cor;ecl copy of such notice(s) attached hereto as Exhibit "C". _5. The mortgage is in default because the Defendant, Robert B. Thrush, Bailed to timely tender the monthly payment of $945.46 due December 1, 2005, and thereafter failed to make the monthly payments. 6. As authorized under the mortgage instrument, the loan obligation has been accelerated. 7. Plaintiff seeks entry of judgment in f~em on the following sums: (a) Principal balance of mortgage $79,462.51 due and owin8 (b) Interest due and owing at the $5,086.65 rate of 11.8750% calculated from the default date above stated through May 31, 2006 Interest will continue to accrue at the per diem rate of $25.79 through the date on which judgment in rem is entered in Plaintiffs favor. (c) Accumulated Late Charges $313.06 (d) Attorneys' fees $1,250.00 (e) Title Search ~~300.00 (f) Icecoverable Balance $115.55 TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF $86,527.77 8. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third partypurchaser at Sheriff's Sale. If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attorneys' fees will be charged. WHEREFORE, the Plaintiff demands: -- Entry of Judgment in rem against the Defendants above named in the total amount of $86,527.77 as stated at Paragraph 6, plus all additional interest and late charges accnling through date of judgment entry; and -- Foreclosure of the mortgagor's (s') equity of redemption and that of any persons or entities holding or claiming under them and Sheriffs Sale of the subject mortgaged property. Pluese, Recker & Saltlman, LLC. -~ ~,/ BY : /~ i` / / R'ob S~~fz - ~n, Esquire ,! Attofne '~ ~or Plaintiff ~ ,. ~to ey I.D. No. 5395 7 ~'% NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the act), 15 U.S.C. SECTION 1601 AS AMENDED To the extent the act may apply, please be advised of the following: 1. The amount of the original debt is stated in paragraph one of the C"omplaint attached hereto. 2. The Plaintiff who is named in the attached Notice to Plead and Complaint is the Creditor to whom the debt is owed. 3. The debt described in the Complaint attached hereto and evidenced by the copy of the mortgage/note will be assumed to be valid by the Creditor's law firm, unless the Debtor(s), within thirty days after receipt of this notice, disputes, in writing, the validity of the debt or some portion thereof. 4. If the Debtor notifies the Creditor's law Iirrr~ in writing within thirty days of the receipt of this notice that the debt or any portion thereof is disputed, the Creditor's law firm will obtain verification of the debt and a copy of the verification will be mailed to the Debtor by the Creditor's law firm. 5. If the Creditor who is named as Plaintiff in the attached Notice to Plead and Complaint is not the original creditor, and if the Debtor makes written request to the Creditor's law firm within twenty (20) days from the receipt of this Notice, the name and address of the original Creditor will be mailed to the Debtor by the Creditor's law firm. 6. Written request should be addressed to Pluese, Becker & Saltzman, LLC 20000 Horizon Way Suite 900 Mt Laurel, New Jersey 08054.. Attention: Rob Saltzman, 1?squire VERIFICATION The undersigned, an attorney for Wells Fargo Bank, N.A. as Trustee, the instant Plaintiff, or its servicing agent, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are taken from the records maintained bypersons supervised by the undersigned who maintain the business records of the Mortgage held by the Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN .ARE MADE SUBJF;CT TO THE PENALTIES OF 18 Pa. C.S.A. 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. ~ E f~ ~~~ Dated. ~~ f r By: Saltzman, Attorney for Plaintiff Current Owner Search Page 3 of 3 DESCRiPTI4N ALL THOSE CERTAIN tracts of land with the improvements thereon erected. situate ~n the Second Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. i . ON the East by lot now or formerly of Mrs. Jennie $urbanJc: on the Soutri by East Pomfret Street; on the West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Nollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. I-Iollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches in front on said Fast Pomfret Street and extending in depth 94 feet, more or less. BEING improved with a two story dwelling house known as No. l 1 ]East Pomfret Street. TRACT NO. 2: ALL of the nghi, I~tle and interest of the Grantors ~n and to all that certain lot of ground adjo~nmg Tract No. 1 hereinabove described nn the West, the same being 60 feet more or less ~n length and depth and 4 feet more or less m width and having thereon erected part of a one story frame back building_ SUBJECT, however, to such recorded easements, restrictions and conditions that may apply to the afore- ctescribed tract of land. Tieing T'arccl No. 03-21-0320-026 ~ ~;~~ / ~ ~, 4 ~- ~- -) ~ :~__y~rr "I r_ ~~ ~t' ;~Eq ~; oeFOs ~, -~ (~ r _ , ~, ~,3 ~cl s Pry 1z ~y . Prepared By: BAABAAA LICON Parch Number D321 D320028 7DDOD82S58 lianrn Ta FRE>aUNT 1MYEStIfENT a I.QaN P.D. BD1< 98078 fUl1~RTDN, CA 82834-34078 FKD.ace AI»vD 1-Gle I.tns pol• }tecor dine Dpta a MORTGAGE MIN 1001944-7000082658-6 D5F7NTCIONS Wora9 uead in multiple sethona of this ancumcnt me dcfinad 6canw and otnrr words arc dcfuled in Sa-pons 3, 11, 13,15, 20 and 21- Certvn s,tice rrgarding the usage of words use in this doevmen) arL aLSO pavvldW in Suwon 1 b. lA) "Sacunry 7DS1ruIDeni" Ineand this dOtumrn~ which iv arr OCtCbn T°, , <D43 mgctixs wilt all Ftidcrr to this doourncnt. (Bl "BIN'ruwcr^ is R06ERT B. THRUTIi BatTOwcr u the mortgagor undo this Seuuity tnswmen~ {~ "MEStS" 13 Mort~e Electronic kcgutraoon Systems, Inc. MFRS is a sepDrnu eorporaaon that u aeons sn1cly as o nominee for Lends wind Censer's socresaats and asslgrts. MP32S u the mortgagee under this Security Tnab-nmen/. MFRS is otganatd and vesting tulctcr Ute lawn vt DC~awere, and has an addrass ur)d tcrcphone nwnber of P.O-Boat 2026, Flint MI 48501-2Q26, teL (688) 679-M><JtS. P@NN9V~VANIA - Bingfo Folnily - Fannt+ tNr~IFr+dQle rlw UNIFORM )NSTRUrrENT WITH NEHS Form sows vor (-~ -eAiPA) la2oel m F.p• 1 0l le INrLa,' vuC Mvnrw of FCtpU9 - IEOO)a:,_T2p, (D) "Lender" iyFHEMDNT )liVESTMENT 8 L6Ati Lcrtdcv u n CONPDRAT t ON arganucd and catsung tmdat the laws of CALIFORNIA . lcodes 9 mddrtsse is 1)5 N. RIVEAVIEM DRIVE, ANANFtir CA 82808 (F) "Note" mans the promissory note ~gnod b7 Botnowa and tinted Oe tobar 3 , 20 D3 llreNotc9nirstharBorrowcrowgI.cndarElphty-Otte Thousand and Ho11D0 ------------ -------~----------------------____.-------------~~_-- ballass N.S. g B 1, 80 D . OD )plus interest Bonowv tiers ptomisw to pay ibis dci?t to rcgubtr PCrwdiL Payments and w pay the debt m G-il trot lotcr then October 1 , 2033 (1~ "Proprtry" means the propury thot i9 ocsaitxd bcfow ender the hcadit-g "TYanster of Rights N the Frnpeny." [G) "Loau" mcarts the debt evidenced by the Note, pins tAGxcst. anv pre~ymcnt charges and ?au: Chorgc3 true unacr the tVOte, and all suutx sue ands this Security Instrument, plus intrr~cs1. (I~ "Ttidcr6^ muuu; all Riders to this Scettrity ntstturnent [h8T ere executed by Botrawu. The following Riders are tp be e~cecuted by Borrower {check box as nppbesblei_ Adjustabtc Rate Ride Coadominiurn Ride Second Homo Rider SaAoon Rides Planned UNt DcoNopment ltidcr l ~f Pamily Rides [] VA Rider $iwctkly PnymeotRidcr ^ Dihcr(s) {sD~Y) m "AAplic9bte Low" means all eongofling eppliatlrfc federal, amts wtd ideal stanrt~, reguiatrons; ordin:urcxs anU aQmirustrBUYc rntc9 and vrVUS {tha[ have tAe effect of Inwj as well a9 s!1 appticablc final, non-apptxilnblc~udicial opinions. (.n "Comrnntvty Association lutes, pees, and A~Seastncnb" means ell outs, Ices, asscssmentg and olha cbvrges that arc unpnvul on 8[7IIOwer err rho Propgly by a condominium asaoeindon. homcovrncrs uavoCt]nDn err aitntlar~orgentraoon. (Rl "Rtecrroale Fends 'Y'rsasteT" means any trnt+efar of f~mda, other Ulan a tr-ussaction ot~lnarod by check, Graft. or 8imilsr papcs insavmcnr, whkb iu mitiatcd Uuough nn wccuonic tamutai, trlcphoruc tnsrrumcnt, comports, or mabmeac wpe tw as to order, instruct, or ou7ltonze a fittmtttial 1llStuution to debit m ardit an xcount 5nch term utdudcs, but t9 not limited ro, painbof-sale ~anslers, autnrnatcd tc3ler mscAine tI3n5]ction5, ttan5fers initiated by tclt;pbonc, wrrt mnneius, and titltORl31Cf1 GlGaunghottSr lrattvf[Y9. (L) "Escrow Items" means Iltosc iums that errs da5cn`hcd in Sct;tion 3. (M) "M3seettatoeous P1 orerds" means any compctu'senn, sca~omen-, atiarA oP dnmugce, or proceeds paid by any thsra pony (othu than insurance nrocceds paid nttaex the coverages dcscn'bed 'err Screen 5) for_ (i) aamngc to, or desn-uction of, the Property; (ii) tronaemnaoon a othv taking Of all or any part of the PropeY-y; (iii convcyancu m Iiw of condemnapon; or (iv) ntisreprrsrntarlons of, or ornrssions as t0. the value anchor condition of the Psvpcny. (N1 "Mortgage Insurnnce^ means uL4ttrancc protecting Lander against the naupaytnent of, or dcfaun an, the Loan. t01 "Petiod;c Payment" means the rcgultu~ sthululed amount duc for (i) prmctpal and intc7est untlct the No[c, Dtus 4ll~ any umounu under 5ccuon 3 o this 5rcunty Insttwncctt InIIp My~ (~ -9A(PAt IVaoet v"r" 2 w i a Fotm 90J8 1101 .~~1~$~'9P69~~~' (P} "RTSPA" rncBlrS the Rea! F..ytare Scttiuncrcr Protodutcs Act (12 U_S.C. 5cctmn 2b01 cc soq,j nrtd its tmpkmentinB rc~ulUtivn, Rtgtti.'tIIOn X i7A C_F.R, Pan 3500), ss they mi86t Dc amatded 6om nine so trine, or nnY addittonst or auecesxor icgislntion or Iegutation char governs the came subject menu. As used in ehis Scrunry Instrument. "RASPA" refesa to eI2 requtttrncnc9 and resvtetions east ~ un~-.,.3s, regsc eo a "fcderaU reSeted mot~sge Eoan" evrn ~f v:e Lunn fives nee qus2iEy as a "foOeratly telat~ed morlgagc loan" uaoei PS~PA. (Q} "5ncressor rn ]nterevs of Ilorr o.rer" mrartz auy pat- that has taken adc w Ore Praperry, whether of 1><ir char -~?' ttos assumed Borrower's obGgodons under rho Noon tuidlor his Sr curry InsWrnent. ZRACV57~'fiR t?F RIGKfS IN'fHH PROYQ27Y 'Ibis 5rxuri7y Instrument scrum to Lcnaer (~) the ropuymcnt of the E_oan, and nB rvrew~s, e.zlcastona and mtidificariDttS of file Notr, and (u) the performance of Burrows s covenants ano agarexmwts under this Secutyry Insuurnent and the Afore. For rEr~s prnTiose. Bouower aoe9 hotcay mortgage, grant and convey to EIS (solciy as nominee Eor Lr_ndcr ann Lenau's sucr:rsaprs at-A assigns] and w the surrcasora and ~sSigrl9 Df ~$, the foDow7ng dt9CfitxII property lotsstcd in the County fryyc err Itncaaod Iun.dicc;oa{ of CEJNB frRLAHD (None of )tncordint )un.dlcai,an{' SEE LE(iA1 DE3CRIPTiON ATTACHED NEHETD AND MADE A PAflt HEREOF wnicrt cw-tcnUy has the addrtss of 111 EA$T FOMFAET ST ~sueui CAA L I S L E tG~r1, Ponnsyfvanis (2Ip coax i C'Ptioverry Addrese'7: T~GFIHER WITH alt the impprraavotnvrts crow nr hermfter crrcta7 on the pcvpcfty, artn aU Cascment9, appunennnces, and &xturirs now or h~csilrr a part oC dto property. AU rcplaccmenta sad addltiar-s airaU also be roused by tfris SocurSty Instrnmcru, All of the foeegang is rde>TCn rA in thLs Secuaty $rstrurncat as the "Property," Borrovrrs rllydltr3terrds sins ogrces that 1vtE1Q5 bolds only regal tide to rho mtrresls Sratuod by Bom>wct In this Scttuiry Ittstrurnrn[, but, i( necessary m t:omply WitEt fnw ar custom, NIER.S (as norlLttca for Lurdt:r and LCndv's ~ICtrssors rrr+a nsagna) has tE,~ ngkt to exercige any or all of chore intrreata, tncSnding, Dut not lirrriled to, the ngtrt w forrtiosa and sc1l tAe Ropcrzy; nno io rates anv action roquircn of Ler-au rnctudmg, bu[ not limited ro, rueasing and r~nccibtg this Secan[Y L.vtrumcnt. ~nhl~~•; G~ ~- -eA{PA{ to~opi P.p. ~ o~ ~e Fnrm so~B Troy ~.~:~ $.~~~~bt~ t BOAROWPR COV@VANTS the[ Borrowu >,s lawfully seised of Vtc estate htacbv convrycd and h® rho r,gfit to mortgage, gmrtt nna convey the Properly and that ttu Property is tmcrc.-rrmbercd, except for cncumbrtncc~ of record. Bm1-ower warrants and wt~ defend gentsally the tides ro the Roputy against all ctairna and demander, subject to any tACUmbrttnec9 of record THIS SPCiTItlTY WSTRiTMENf cornbina uniform cDVCnants for naoorrat nee and r-oo-unifotm covenants with limited va[iatian9 by jtmedictiDn to rvr,etitute d uniform sccariN inswmcnt covenng real property. IINIPORM CAVENANTS. Bnrrowa and l,erwcr covcnmt end agree as follov~ 1. Payment o1 Princ.tpei, Joterrst, Escrow Items, Prepayment Charges, cod Late Charges Borrower 5lrtttl pay when duo the ptlnCtpal of, Hrid int~e8t on, the debt tvidenccd by the Note and ~y p[cpayruent cnarge9 artd Lttc charges auc undo the Nott. Borsowar Mall ttSSU pay fttnos for Escrow Itears purstxtrtt a Bohlen 3. Ppyrnertt9 twc under the Note and this Scetrnty It[anturxint fihtill be made rp U,S. currency. However, if any vt[acx or other insttnme[tr received by l.andQ es pavrnent unocr t?re Notc or 1}ris S«,,,nty Inemrment is rcttrrrred to Larriu unpaid, i..ender may require that any or all subseyucnt pnymrnn due under dtc Note nets this Scxurtq~ Irumument oa made in erne o[ more of the fol2nwrng forms, as seJaete.d by L.enacr-. (a) cast[: (b) money onit~ (c) terrified cheer„ bent chxx, trcavttrrr's c6cri; o[ caal,iet's cAcck_ proviticd any such cheat is drawn upon an matirution abose dcposlts arc insured by a fedcrat ngancy, instrumentality. or entary; or (d) ElecUanic Funds'IYanafcr. Payments ar>; acemod reccivad by Ltsrdn wharf rcccivrxt at We locouon ocaigrrntcd in the Nola nr at such o[ncr tocaoon a9 mqy be ac~i~ted by Lcnu,? in accoMsncc wttlt the rroticc provislons yr S,xtion l5. i.enda may return any pavmeni or partrnt pavmen[ i! the payment or pantal payments arc insufTtticru to bring t,:o L.a. ^^. eu."r[:;. ! cn~.te_• may acct o.Ry pey~rtt or pr~tsl payment ine~.tIIuicnt to 2*ntg the !.Dart cvrrrnt, without waiver of any nghts hcretrntles or pre)u~dico to it8 rights to rcfnve ~ucb payment or pectin] payments in the futUro, but Lender r4 not obiig3ted to apptY such puymcsus nt tlw ttt[tc ouch pbytfcrr~ arc acecptt:3. U tech Penodic Poyment i9 applit:a as of its scJtcdulad dUC crate, then under nee.a not ply intelrst on nn.--pplicd ftmds. Corder may hold such trnappliDd funds wtnl Boffower rnnxes payrncrtt m hrirtg the !..Dart current ff Borrower Dots not do rm within a rca9otteblc prima of tithe, I-etttler shall either apply such Inners or return them to Bonowcr_ If nor applied earlier, such funds vvr~1 be applied to the outxtnndirtg prinapal btttanca urxter the No¢ ;mmediete[y vnor ro ftneclosnrz, No offsot err rlarot which Borrower might have Dow err in the future AgNnst Lertoer shell relieve Baanwer from nraklrtg payrucnts aua under the Note and this Security Inctn,mrstt or pcrforrr[ing tttc covenants and agreements secured by this 5eeunry Instntmenl 1. AppliCDgon of I'ayrnenL9 or T'roceeda. Fizccp[ as otherwise dc5crr~cd in 1lus Sacuon 2, all paymcnt8 accepted and applied by r..cndrr shall be nppGt:d in the following oaks of priority: (a) intrleSl due under utc Note; (h) ptvtcipat due under the IVom; (c) amounts auc trndrs 5ecvon 3. Suc1- payments shall be applied to eoch Per~tliC PtlVmcnt in the orav in which it became due. Anv rcmatntng amounts shall be applied first w tact charger, second to any other omounts due unatu this Socunty Initrutncnt, imd [hen ao rtduce the nri»aptrt oaiancc of the Nota If Linda ttxcives a psvment from Bormwur for a delinquent Penodic Payr[xirt which incluacti5 s sufficient amount w pay any taro chtuge duo, the payment tt-ay be applied w rho ticftnquent payment .acrd the [rite charge. !f more Wan ono Paiodie Paymertl is ott[~tartdirtg, Lando may apply [trty payment raxived from 13ot7owtx w the repaymont of the Pmotiic Paymcnte il, and tD the extant that, caclt vaymrnt ern ba paid-n trYwlr ®-dAtPAl toaoot P.pero~re Form 30Jf[ 7107 full ?o the cxttnt that ~y excess cztrts after the payment la nppGeo to the fup paymrnt of one or utorc Prnodic Paymtnty, such exedra may be applicl m any ante cir~scs duo. Voluntary prcpaymonts 6heI1 be applied fast to any prepayment cluirgca and then as ocstxibcd in the Noie, Any xpplicaruon of payments, trtsurance procecdt, of 141iseeUancoua Procecas to prinrspar rnr~ uoacr dre ^.'e:L sirs:! ; of cactcGd or padtpono dx clue rSare, ca' cAnnge the amount, of the Periodic J'aymenrs. 3. Funds for Bseroa Itrms. Borrower shall ¢8y to I.cnaa on ttic nay Periodic PBym:nes are site [rnae~r nc~ i~ioie, until the Notc ie paid in flail, a gum (-ho "Funds") io provide lot puymeot of nmount_~ due for (a) ta.cs laid assessments mta other cams which can tutuin priority avu this Savrity inewrncn[ as a lice or encutnhrance on the Property: (b) lcsachokl pavmcnts or groans reties on the Property. i[ arty: (~) prrmluma for env and till insunincv regtrucd by lxnocr under Section 5; and (d} Mongagc Inatvancc prcmiumx, i! any, or any surn5 payable by Bassowq to L.wrneQ in liou of the payment of Mortgage Insurance prclnitrma In xcoroancr with rtie provisions oI Secton J0, ThCac items era caIIcd "13aaow lteine." At odginadvn or at any time dtuing the rum of the Loan, Lander may revuuc iltat Community Associatitm Dtiars, Face. ,nd Assessments, iE any, tie escrowed by Borrawu, and such dues, fees tu>a assessments sha1J bC an Harrow It~exrt. Eo[rowd shall ¢romptly furnish W lxnnu all nODCe9 of amounts 10 be paid under this Station Bnrrowu snub pay Ladder vto Funds for Escrow Lams unless Leaner wtirvca Boisower`s ohDgtrpon [o pay [hc Funds for any m a,U F.SCSOW Itcm4. Lcnda may wawa Borrower s obliganna to pay to Lender Fwtds for any or all Bai?ow ltcrrra at any tirnc. Any each w3tvet may orriy be in writing. In the cvont of such waiver, Bonowar shall pay directly. when sad wt-txe payoble, the nmounrs avc for any Escrow teems #nr whicA pstyment of Fonds tro been waived by Lender and. ;f Lertarr reguucs, snail famish w Lender recxdpta cvidrnang such paymurt within such time paioa as Censer may raqutro. BotrowQ's obligation to mace such paymcrrts ar+a to provide iuzzsvev sttal2 for all ptirposas Dc dcemed to be ~ eorcnant tins ngnxrnent rvniaurcd in dtis 5eevnry Instrument, ~ tt-e phrase "coverialir and ag)eeemcul" u aired in Section 9. U Borrower 15 obligaua W poy I:+~crv~v ~IGms dually, purtnrant to a waiver, and Bouo.ves finis to pay the amount dui for tin 6aerow u,cm, Lender may caurisc its rabbis under SrLUon 9 and pay such amount and Borrower shrill then be obligated ands Scroon 9 to repay w Lender any such amount. Lender may rcvotcc the wnrv~ as tD any or all P_tcsvw Items ut any tune by a nntiCC given in nccnraantx with Secion 15 and, upon such revocatron, Borrower shall pay w Lender all lianas, and in 8rich trmonnts, leant arc then rrquucd onOct this Section 3. t_enarr may, at any tune, collect and hold Patina ut an iunount (:-) ~tifbdvtt to pcrrnit Lcnarr ur apply the Funds a- the tune spacifivo under IZESPa and (b) not to r~crcd the mauirrtwn timauM a lends can tequisc under ]tLSPA I.cndtl t,Mli catimatc the amount of Fvnos sue on the t]oSls of cturerit dai9 nti~ rr~onabL: csomatC9 0! capenditutcs of fnnltC Escrow Remy or otherwise m ticcordtutd whit AyplitBblc Law. The Flings ehaU be ?teed .n lira insutution whose dcpas%es arc urstucd by a fcocrai agcnry, tnstrumenuiiry, oa entity (including LenelQ, if Lender is an instrrution wnose UcposlCS are so insured) or }n any Ftder-.il Home Lnnn $enx. Lcndu shall apply the Ptma4 to pay tht Tiscraw Items ao later than the time spceiLclf unutr RESPp, t.endv shall not charge Botlower for holding grad irQplying the Funds, mrinratJv armlyang lire eactow account. or vertfving the Escrow Items, unless Lcnarl pays Borrower intoest on the Funds and Applicable Law permits Lenart to make such v charge. t}nJc9a an agtezrnortt Sa made in wriring err Applicable Lev tagturrs inttrcSi to Dc Raid on the Pund~, Lender seal] not Dt te0uired ut pay BOrroWCT tarty In[rJeet or earnings on the Punas_ Borrowv and Lcndu can agree m writing, ltowcvet, thnr irttcrCSt slut{ bo paid on tht M M~•b;7~ ~~ 6A(PAl toauat p•9• a of ro Form 5099 alai x:1.8°3 9 P6~~,~=~ . ,. , ,... Fnnrtr. Censer Shall give to BaULTwQ, withput eturrge, an pnnttal aeraunti+rg of the ~nd9 na ruruucd Dy R65PA. If [here is a stvptus of Ftu,ds Held In escrow. aq doflttcd -uxlcr RESPA, Lcndu shall r-rcount to Borruwu for the eaeese fiords m eeeoactar+~c with RESPA, if thrvr is a shortage of Fund: bald In eso-ow, as defined under AFSPA, Lender shall notify Bomoaa a9 regtrfrcd by RL'SPA, and Boaoaa sira0 pay to 1_crtaa tiro umounr ncecgsery to makt trp [ha anom~c in arcorannrr with ftESPA, bat m no marz than 12 monthly pevmanrs. ]f them as a dafidency of Ftrnds held ifl pt~ow, m tldfi>Std uadcr I~PSPA, Censer shall notify ]3orrower a9 rcquttrd by 12HSPA, end Bomowcl etrali pay to 'Lender the amount necessary w maim op rho deDeitncy m accntdartce whit RI35PA, twt in ao more than l2 manthty payments Upon paymcst )n full of alI sums 9a-ucd by this Sec-rrity Irt9lrtrmcnt, Lcndu shalt prompuy refund to Bnsrowu anY Funds held by Lender. 4. Cburpes; Lferrs. Boaowcr shall pay aA taxes, asscsarr-cnq, ra-srges, fmr9, ana impositions ntui6uUabk to the ProverrY which cart strain pntant7 ovrr this $eturi(y Inswmcny rcacetwld payments or gnund rtnts on the Ropctty, iS any, and Commtmity Assactaaon Duch Fccs, 8nd Asseasrncnts, if any. Ta the extent that these tams are )rserow hams, $orrowu shall pay thcrrr -n the manna prr7vidod in Sauon 3. Bottnwer shall ptomptty di9Gtrargc any lien which has pnaruy oaQ titia Stxunry lnstnur,~,-t urricss Borsowcr ia) agrcts ro ,vriflng to rho paymear of the obligadoo secured Dy the ben m n manna acccptabla to i cndu, but only so ,tong as Botsowcr is Frcrformrng s-rc6 ngrc¢menr; (b) contests the lice rn goad lnitlt by, or orSends against cnfortement of the lion tn, irgai proceedings which in l.entler's oputrnt operatz w proverrt IAo enfotcerrrent of the 1-ot while thasc proceedings are pcndir-g, but only until Such proceedings are canrlunca; ar {c) rccrues fmm the holder of tiro tier an agreement satlsfacnory to Lanan sutwrdir-asing nc~ liu- w tTris Secretly instntmerrt U Lender determinc9 ttrat anp pan of rho Property is s+objncr w a lice which c-n nrur)n irsontY ov(:r this 5ccnrrty lr~uurncnt, Ls,4~ rnsy grvo Barrawtr a nobcc identifying the Iicn Within l0 days of the darn on which ttl3t noUCc is given, Borrower 9ha11 satisfy the Hen or lekG me a mere cf the ncnonv gc[ feRh apovc in this Section 4. under mey rzqu-ro Bortvwu >p pay none-bmc chatgo for a rca! cstaic tae ~orificntron er-dlor rctwrpng servirz used by Lenocr in connecion with this i.oan. 5. Property lnsuranee. Boo'awrr shall keep the iraprovcments now existing ur hcraa(tu erected on urc Propcrry irt9urW ggatnsl loss by fir>:, hazards inciuacd wid-irr d-c rum "cztcr-dod coverage,` and any othu hazards mcindarrg, but not 11it1rlCa to, carttrgn3tccs ant! floods; for which ltsda rcqutres tnstrr.-r-cc 'ilriy insurance shaft ba maintnu,cd in the atnour-tg {j»~ding deduetiblc )cvctsl and for tho pcar~s Ihat l,enoei rcgtrrres. What Lender regmrrs Auratra--f m the preceding sentences can change daring We rum of rho Loan. -Ihc mswanco cania proVlrling the ir-HUratrce shall bo chosen by 13orrowcr subjecc to I.u-drr~s right w dLsapprove 8or-owes's choice, which oght shall not oc exareise~ unrta+ronnbly, Lcndrs may requ~rc Bonowar to ->ay, in connection wltlt this loan, Dither: {v) ~ onp time charge far flood 7,ooe descnnvi,etinn, cerdIIution nail Decking SErvicCy; or {b) s on6[ime charge for flood zone deurmtnation t>nd t:eroficntion 3ervicce end subsCQucnt chargrss each time semepprngs or aiwHar changes occur which rrasonably might alYect such dcta-mutation or crltilxstion. Aotrowtr sht-ll ats4 be responsrbic fnc d-c paymem of any fees impo~cd Dy the Federal P~r-ergcn4Y Mar-nguncnt Agerrry in eonna-non with me review of any flood zone dcta mrnanon resttlsing from an objection uv Borrower. InAIL I i/.A ~ bA{PA) to^oel P.q. a el ,o -f~"- COTrn JOJ9 ~~al ~~183 9PG3 : - ~ iJ.i-::~ _- 698 ,.~~ If 9tarower fails m rrlHlrltatn any of the cuveTlge9 tlc3al~cd etwve, Lutau may outau- Instnrrrru covrsnge, at LGndu`a opunn and BoRvwrl s ax-onse. Larder u undo no obligaaon to purchase env partiCrttftr type or amount o1 cove. 7lietefotc, such tnvcsogo shall covet lender, trot might of might not protz:ct Bvrrotver, Borrowu'e tgttrty to flit ?ropcrry, or tht t:ontrnta of dte Yropccty, ngturtst any rivk, hazard or liability and might provide gtcato err fe.~ser covga~c tJLin was przviousjy to cQ'ctc Bonow*~ ncicnowledgcs thYr tDe cost of tJtc ins~irerrce covasge 50 obt3-irCO might stgnificantiy exceed the a,st of utsaranrc dint Bot?owcr cou)d have obQttnca Any amounts disbursed by Lor-oa under this Sccnon 5 shall become addilionai debt of Borrows sonncd by this Security lttsaumatt. These arnoanm shrill bear intnt~t nt rile Note rrte from rl,c date of disbur>3cmtnr and shall ba payable, w{th such interest. upon natiro [mm I-onset ro -onowcr tcqucstu-g pnyroent A11 insuranct politics rcqutred by Lrnacr and rtrtewaie of such policies shall be 9abJeet w Lcntler'9 right m diaappmve curt, policies, shall ,nuudc n atnndm-d mongagc ctousa, and snap name Lenart as mortg3gCC anrUor is an r,ddiaonnf loss paves. l,cndcr shall ntrve rho tight m hold tAa pobcira and [erlewat ccrrifirates. If Lender rrqulres, Borrower shall prornpuy give to Lender all rr,~pts of Raid pn7nirrms ana renewer noti+_YS. I( Bor,owQ oi,tains any fog of iflaurattco coverage, not otherwise rcgwmd by Lu-du, for aamege to, or d~uuedan of, the Property, such policy shall include a standard mortgage dnrr9e and mall name Lcnaa ea mongagce and/or ~ on odditional Loss payee. In the event of 1osv. Bonnwel shall give prompt nonce W rho in9ttrar-ca carriu and Lendu- i_cnder may rrmke praaf of loss if not meat prumpuy by Borrows. Unless Lentia turd Bonawcr atherw-sc agru in writing, any tnstttnnce proGP,ta9, whonc~r or not the unUea]Ying instirnace was rc4uued by Lrntler, shall be epylird in restararion or rapatr of the proporry, if tnc rratnrauon or repair is economreshy feast~lc and Lander a eeertriry t9 nor lcaaened. Dunng such repair and restoration period, Lender shall have the riglu -o hold such rnfrttranCe proceeds nniil Lender hag Aad an opporrunrry ro tr-apcct such PropGRy in ensdre utc work has bear completed tD i.ender's sadaFncllan, proYided that such inspetilon shalt be untJetlalccn ptompUy. Lender may diabtrrse procceus fa Uie ttpatra arm rv,larntion In a arngjc payment or m a aeries of progr~g payments as tbo wodt is compicit3 Unless an agTr-anent is mane -n writing or AppliceLlc taw roquQCS -s,p-rr~t w na paid oo such ,nsttiance Iuoceed9, Lwaer shall not ix required to pay Bawer any inttiest tN eatrttngr oo such proceoda Fees for public aQjustrrs, err other third parties. rettincd by Boaowt7 shall not Dc paid oat of the in9ttrit000 proccctts and snap be the sole obligation of Bouoricr. If the r~torsrian or repttu -s not cconotntcally Icasib]e or tondo`s seettriry would ba ic9acoccl, the insurance proceeds shall be oppliod to the Burns srl'arrrtl by this 5«,uritY lnstrturxrx, whcthrJ or not ihrn auy with tnc oc:va, if :my, paid to Hormwer. Stxh rnsuzartGe proceed_q shall he applied In tnc order provided far m Section 2. If Borrower abandoa9 the property. tenser moy file, tugot,atc ono eertlo any available msntancc rlirim and related matla3. )f Sonower Does not rc~pond vrithin 30 days w a nonce [tom Lender that the insurance entries has offcrt=d to Bettie a clash, then l.endu tray negotiate and scale the claim Tbc 30-day penoci will begin when the notice is g~vra,, to atlrel event, or if LrsurY ucquuu the Property tutdrs Section 2T of o[hcnvisc. BOffOwCr hacby >L5.91gn9 to LCndQ (e) Borrowcr~s nghta u, any rnsuranec FroCCW.S m an amount not to teased the atnotmts unpaid trader dre Norc or rlris Secvnry In9RUmrllt and (b) env other of 8ovowQ'a right lother tDan the rigs[ to env refuoil of aneatncd ruuniruns paid by Borrower) undo all insurance potirSes tover,ng nc~ Propury, tneofer as such rights arc applicable to tiro covuage of iha Properpr. Lender may use rho msruancc prDCUds eidter to rcpuu or restore the Roperty or to par amounts unpaid undasr the Note; m rhi, Secvrrty Instrument, wnetha tx nut thvt due. t~~b~ [~-OPIPpllo2oct P.a.~.~~~ Fotm3~S9 troy m BK ~ 8 3 J~lFG.3-b 9 ~ ,J J .. . 6.Occupancy. Borrower shall occupy. esmbli9b, nnei aEC the Aopaty ea 13mrowu s prurcrpal rt~dencc within 60 t7eys nfrer the C:Xettltion of this Seem~rty lustnrrnerrt end aitail coannuo l0 occupy ire PPOperry a4 Bouawu'r t>tvreipat residence for at least one vesr nftrl the date o,[ occupancy, tmiras Lender othrxwisc agrtxY: to arising, wLkh consent slnrll rror be trnrtasonabiy withheld, or tmioss oxTCnuawg ctrctrmstar-ccs acrtn .r+hit:h are Uevood Borrower's Control 7. fr1'eatrvatiory Mnintt~ce t>std Protection of the Property; lnapttiDoaA Hotrowcr altall act dc~y, damage or tmpsrr the Property, allow the Aope=ty to dottsrwrate ar commFt wtLVte on the Property. Dvhcdret or nol B otrower i9 re8irling in tAc Propcrry, Borrower malt maintain the t'ropaty in order to prevent die Proptsty from tictraotating or n~N.-,nag in value due to im condirion. Untcss n is doterrn,ned pnraunnt to Stxpon S that repair or re9tntvtion is not czonomit~lly ieastble, Bnnrowrr shall prompuy repair the AoDerty if dnntrrse~ to avoid former tlctertarauoa or dornage 7J iastrrgtx.C or eonticmnaaon pracecds arc pool to connecdon with dflmEl~c ro, or the lalang of, the Property, BOROwCt shall be responalhlts for rtpnlrlag or teswnng the Property tmiy if ltatda hsa rr:iravcaj prtxacvs for such purposes. Lender may tiivbursc Droceeds for the tcptsua and tcsroraoon m a stngio paymait or in a series of pmgresa payments as the wort u completes if the instnance or condcmtmtton proeeads are not sof$cicnt m tepau or roatore the Property, Borrowu >s not relieved of Borrower`s obligation for the cornplcti4n of such rzpan or rt:8toretion. Lender or its ragmt msy rnrlKe: rc8aonabk uurres upon sad inapoctions of lito Propary. It a nag reasonable count, l.emaex may rnspcct tAe uruzwr o! dre anpmrerrtent5 on sDe Property, l,er>otr shall gtvo $orrowcr oopcc at the font of or pttor m such an inttrior inapcCtitrn apocifying sorb rcayonablc Canso. 8. Borrower's Lone Applitntion. Borrower shalt be to dafauit if, dturng [hC 1-osn application procesq, 13orrowty of any persons m entlrics Hering nt the dirccUOn of 8otrower or with 13ortower~s tarowtoage or consant gnva tnatrsially false miakading, er rr::rcters~„; tBicmtntton or seaterr...n~ to LersGer far fd~d to prDvide Lenoe7 wiUr watuial intonnatron) in cnnnec[ion with the loan. Material rrpre.9entafiontr vrciudc, but Jr0 h01 ir-rtrltd [n, rcpresentelionu conccrr-ing Borrctw~*`s e~vpancy of d:e Prt7pcrty ~ BoIrowu`a prutiupal resid[ncc. 9. Irotection of Lender`s interest in the Pro-erry sad Rfghty Under this Security In9irument_ if (a) Borroter Imly m perform tht eovenanb mrd agtecrnents contauxd in Chia 3ccunty lnstrumcnt, ib) Ihcre aP a regal proceeding that might stgnifre~nt~y affect Larder`s interest uo the ~ry and/or riglus unAcr this Scctu-sty lJLSaamcrrr (such es a ptviceedi>.g to tranimtptcy, prtiba[n, for contlaritnapon or farfeilurc, for artfotremrnt of s Gen whiel- may attain priority oyes lhiy Security inetntment or to enforce laws m rcgtrlptiona), or (c) BoIIOVVU htrs abandonca iho Property, then l.enrtes may do and pay for whatavcr se re~vonable or appropriate to protect Lendca`a interest ut the Pmpcrty tr»d rights undtx tine Sauuty Instrurncnt, inr_nr~rrg protecting and/or asscas+ng rho value of the Property, and securing and/or repairing nc~ Property. Lcnoa's acoons pre tnuude, but arc not limited to: (a) puyins any trams bcRrrrd 6y n lien which hss pnonp~ ove7 thL Scarcity ]nstrumenC (b) appearing m coon; and (e) payutg ratsonabla etnornoys' tees to protut its interest in the N,operty and/or tighb under this 9aerirtrv Instrdmen[, tnrlttdutg its socureu position in o bnnlouptcy grocccdins. 5cctatng the Propm-q includes, but is not limned to, en-rnttg rho Property to mare repairs, rhwrgo loexs, replace or bonrtl up doors acrd windows. drain warcr From prpcs, rairninatc building or outer code violatron9 or dangerotr8 rondiriont, an0 have utilities tinned on or ofY'. Although Lender may trite anon under tAia Sextion 9, t,cntiu dney not have t4 uo so and is not untrcr nor nary or obligation w do so_ It is agreed t>zat f.ondct trutvs no )iahiWy for not raking any or aR at:nons autbortzca tmrlra thi9 Bettina 9. ~nnlw: ~~ BA(VA) to;oet v.a. ea ea Form J9JB 1101 BK ~ g 3 ~~~~ ~~ ~~r; ~~ _. ~:.~ Any tvnounU disbursed by I..enuer undo This SccDOn 9 shall bocome additiontu debt of $o>zowq secwr-d Dy [alt; Security ln~mcn~ 7 note en,o,urfe s1ta11 bcm ir,tcicst at d~c t~otz rare from the daft of di~buracment and shnD bo pnvablc; with such interest, upon noDte from icndcr b Barrows requesting payment_ U [hie Sccnray InsRusncal L ^tr _* te~e~*eld, : ~wrr ahnii eom;iy weth all dte pn:~ane tit the rcasc_ t(' 80fYOwL7 acqurtex fee title to Iha f'ivpaty, dte Ien9ctiold rttrd the fcc dde shall »ot merge trrtlwrs Lender ogrca t0 the meigetar writing, lit. 1r?ortgngc irrstyrane~ If Lcndu rcgairtd Mortgage insurance ey a condition of rnalring fife i_.o5n, Borrower shall pay the prcmrttm3 repr-acd to maintain the Mortgage insrrrnrrcc m cffer~ U, for any reason, tDe Mortgage ]nsraarrcc covartge zegtrtrcd by I-ender tenets ro bo avallnbic from tt-e mortgage msvrcr that provtousty provided such intuu2rrco and Borrower way repBtrcd t0 maze scpnrauiy d~vrgnatcd paymen~s toward dte gremittms for Mor[gagc lnartrsrrcc, $vsrowar shall pay the prrxrrtuma tegtr-rod ro obtAttt rAvcrngc nrostnndn)lr cgtmafant to me Mongaae }ngurance prCVrottsly in cffa~ st n cost 9ubr;tantinBy egtuvarcnt to dtc cost to Botrowa of the Mortgage Inauratxe previously to ClFcet, liom ao rrtterrrate mortgage insurer scfcctcd by Lender. U euDstantinpy cqurvnsent Mongsge IrrBursr-ce coverage is not avssileblc, Barrawer shall continue to pay to Lands dre amount of the septtcately drstgntlted tAymenu that wvL due when the ingrrrElttce txriccJagc ceased t0 be m cttecL I.cndrr will ae~xpt, rlyo acrd Sctarrt these poyrnent5 a: a rrOn-refundable tort irsovc rn lieu of Mortgage Irsuranca Such IoEy tcserve shall Do non•rcfundablt:, norwitirgmnding the leer that tits Loom u ultimately paid in full, and Lender sttnll oot ba fequurtl 1o p.'~y Bonoacr any iniGresl or eattttngs on such toss rtsrtvc. LnndU can no conga rcyunc rocs nscrve pgymen~ it Mortgage Inm>renet COrl;ragt (jn the amount end for the peritw that Lander tzgtnres) proridaJ 6y an instua setecttd by Lender agrrnr bxomcs available. is oDtatned. and Lcndor tuluara separately oosrgrrued paYmcnts toward fire pratni-rsne for Mttttgnbc lrrEnrarrec. If Lettar7 rcgtrired Mortgege In9trranu as o condition of making [lie Loan and Bonvwcr wet requuca to melee acpaistely dt9gnDtcA payments towmu the prcmiurrt5 for Mortgage lAStrrnnee, Htrrrpwet shall pay the prunrums re4rured to maint>tirr Mortgubc insur-,urcc in cffat, oc to provide anon-rcftrndsble loss reseivc, anal Lentler'e regtrut.rrrent for Morib'8ge lttstrtartec eras in accvtaartce alth errs vvrtttetr afgocment betwcrn Borrower and Lender providing tot strcir teiitrrnniinn or untll rrmunitnon a re4tued by AppGcoDlc raw, Nothing in this SCCllon )0 affects Borrower`s obligation to pay tntrsest at the r9to provided in the NofG Manbaee Insurarrex mrnDurses Ltndrl (nr any cnnq~ drat pweh~es dre Now? for certain LDSras tt may itr~ if Sot7vwri Qoes tro- repay the Lrnut >i9 agreed. Borrower i9 not a party to the Mor>,gaga lneru~urCC. Mot~age mswtts evalaatr then total risk on sll yurJt instttanrx in force from time !0 urue, and may enter mto agrtLrTlent9 wish other partlen that share oT orodify weir risk, or reduce ioatrrs. 7lrese agrcxmcrrlS are on toms and cortditrons that art satisfactory to the mortgage inatuer srrd tiro other parry for patvcv) to tbtvc agreement9. 'l7resc ttgrecmcrrm mey regttuc rho mortgage insurer to make payments using any oourrx of funos drat fire mortgage instu~ may have avaitablo t.which may iYrctudc funds oetarncd from Mortgage lnsttrancc prctnrumS}. As a result of dr;ae egrccmonis, Lcrrdcz, any pu,cbager of the Note. anothcs inavret, any rrintwra, any other ettutp, or any affiliato of any of rho fartgoul8, may rectos (tilrecily or mditrctly) amounu that derive horn (or mip~rt bo cirarac.•tcrizca asl a poroon of BoQOwrs`s payracnrs for Mortgrgc Inat>sance, irr crmhango for sharing or modifying -ir~ mon~;rrga insurer's tislc, or reducing roasru. If such agreement provides that an 5ffiluilc 6f I..Crrder n1kC9 8 share of the ]nsttrer's rim rr• oxtlrnngc for a share o! the prcmlttm9 paid ID fire inRrtrrl, the arrnngtsurcnt is often tcsmc>i "captive rrsnstrtatree.' Prrrtfrcr; (n} Any such agreements wfll nor arfect tbo amounts tbnt Bonpt-er has agreed to pap for Mart~agc lnsurarrcc, or any other fume of tbt i.oan. SutL r-ereesnents .riff not mneast the etnount Borrower wr71 owe for Mortyryr Insurance, ano tires will not enthle Rot7owrl to any refund. In,ua.~ ~1~ -BA(PA)rozon v.weerie ~ Form9a]6 1101 BK~J.B 3 9~FG.3 ~.Q~a t.. ~ . ~a) Any 6ucb agreements will hat affect the ii~hts Borrower bas - if any -with respect to the Murtga~e Jaavraoee under the }lomrownert[ Ptrotrdian Aa of 1998 of any atber Inw, TDese r~yh<9 may include the rich[ to receive certpio diseiosort9, to request and obtxln c8ncdlntion of the Murtga~e ]n9+nance, to have We Mo-tgsre ln4nrnflce urmwnted nutnmotiw.~, andlar to receive p refund of any Mortgate lasnrance -rcmlume that were uDearnea at the Clore of 9!-ch caflrcllauon or ttrminetion. 11. Ass~rrtmrnt of Miseelfautous Proceeds; Parfekurt. All MisccIlancoug Ptoceeos are hereby assigned w end snail be paid to Lrnda_ 1f tha Ptoprny ~ dnrnasra, such Misccllnnt~vs RtxYCda shall be nppticu to reawrattan or repaiz of -he Property, U the rcaioration or repair w aonomrcaDy fm4;btc and Leade7's aeettrity ty not lessesred boring such repau and rAytIITnuon porwd, Lender shall have the right to hold Such tvfisccllsrneou~ AoecctLs until i.endtir t[a9 Dad an opportunity tD tnapea such Property to tstenre dte wort hay boor cornplcted w Lender`s 53tisfacoon, provided met Such inspctoon shall ba undcrtakeA promptly. Lenctcr mey pay for rho rcpaus and rts~ropon to s am®e tliabtusvneat or In a scrtcs of prog[ess paymrnts ay tha wort a rornpldeu, Unless an agreement 15 nrnck >r writing or AppliCabin Law to[tuires inart~t to ix paid on adcb Miseell9neoua Psoc~ea9, Lortdrr shall cto[ be rcq[tired oo pay BotTpwer any ialf~9t of c~nings on socb Miscc]lancaus Proeuas. U the r=storntiort or repair ty not ernritxru~ily f~~)e or Ldtau`a stxunry would be tcasette4, the Migeellatteouy Pror~ecd9 shall be ttpptied to the same secured by this Sec[trity lnawmcnt, whether or not then due, wltlt rho excess, if any, paid to Borrower. Such hfiscrllanr-has proceeds shall be applied in the ordd provided for in Seconn 2. Tn rho event of o rural a,king, dc9wctioa, or loss in value of tbr_ PTOperry, the Miece]laneoac PrnceeAv shall be npplie~ w the sdttt9 sec[ned by thly St~cwity lnatri[merrt, whothet or no[ [btxl due, with me czccS9, it' any, paid ID Borrower. In the oven[ of a -arda! taldnb, drsweoon, or loss in value of the Ptaperry in which tDe fair mancct valvo of the Property ttnmediattty before the partial rnlcing. dr<vtrtlcnon, or foes to vatue Is cquel to or grmtb- than nc~ aatouru of tGc s•.rrns soctuzd by this Stx-.+uityv instrument irnmcdiate{y btiorc the pamal raking, destruction, or loss !n value, unlcvy Bonowa and Lentl,er othu,viac egte.E in writing, O:c s•,errL ttorerta3 by iha 5r-curity Iaswme~[ ehnil be rcdvecd by [ho amount of the M19[c]I.'tncOU9 Proeeeds mulurplied by the following frntonn: (s) the torn! amount of the s~ secured immtxtiataly beforo the parrinl o,lang, dtxwcunu, nr raQS )n v31uc dlvieed by (b) U1e fall ttrarlte[ value of [he Prvpvry imrncdiatr~y before rho partial taking, destnxnon, o[ rosy rn voiuc. Any irarnrrce shall be pyd w Borrower. In tha event of a parvat taking, destruet[on, or rosy m vainc of dre Propory m which the fair matter value of t)te Propary ttMtedialety 6efPrc the prtrtinl taking, desuucoon, m lose m vntue i9 ass than [trc amount of the soma secured imtncdintciv bcfore the partial trlunB. tlcsitt[ction, or lose rn vaivn, oaks, $oIIVwCr and Lcnd.u otnrTVtsc [lgrrt Ut wrlorrg, rite NTlsccl)anCOUS Prvr,ccdy shalt bo epplicA to the teams satvcrl by this Barony lnatruraen[ whether or rtol me st[rn9 am then oue. L! the Properly is abandoned br Bounwa, or if, sftu notice by trntler w $arrowel dta[ [be (:}ppoeing Pruty (u9 drf[ned in the hex[ sentence) olfuy to marcc an award W ycttlo s claim for Osmngcs, Bouoacr Faits to fesportd ID Lcnd« wllhln 3O d3y9 alas ChC dste L}le nOUCD i9 g]vcn, L.entlGr 19 avtho~ixed ro COllecr and apply the M3scrllnnoous Prnceede eithrY W res[omurnt or rcpau of the Property or ro the sums secured by this Sccucity Jnewmrru, whcUxl or nor then ritrC, "t?ppoaeng Parry" means Utc 1hir0 pmry tbnt owes I3ni[vwer Mrscell3ncous Proceeds or the p~Y R5'~ whom $nrrowu has o righ[ of action In regard w Miscelloncous Proaxds- Borrower ahaD be to dafattlt it any action or proc.eedu[g, wbe[htr civ,7 or crrmil~ ,t Dcgun that, to l..crrder'a Ndgtnrrtt, could rtSt[lt in tQrfcitWc of [ho Ropcr[y or other rnatcrial lrnpolrmrrrt of Lender's in[c,cst rn the Properly or rights under thl9 Socuruy lrrouwncnt. Borrows czn cure such a defstil[ and, if occcieraooo has ocnrrrad, rcursta[o s9 ptnvidod il, Section 19. Dy cousu,g the acoor- or proczrding w be diamtsyod with a toting that to Censers judgment, prccJudas forfaturo of nc~ Ptoputy ar oNcr mntrrial imparrmcnt of i~ .+. ~ ~~ BA19At toavet r`~p.ionl ie Forrn 0059 1/01 - t.. ~~ri ~ .. ` ~ BK t 839PG3702 ' ''~ t~eier~s :interest m the Property or right9 undo thi! Sccunpr lnswmcnt. The proceeds of anp sword or uaim tot danwgr~ drat arc nttributBble to dre tmpnument of Lender`s tnterest m the Property arc hucby asslgnetl antl 5hnit be paid W I,enocr. All T4i9cellttnecru9 Proeecds thin me not nppiieu w restoration or rcpatr of the Property snail be atrplirA ;n the cedar frrovide6 roe to Section i. lz. Borrowu riot Released; Forbearvnce By leader Nor a Wuittr. BJttcnoino of the drat for ~:,ymenl Jr nr^dific;ui^n of 8.'rsortiSa~on of the s-.rms se:.urcd tv this $cGrtti~ Irt9^iu~rst granted by t-crrdcs w Borrower or erne Successor m Int~nest of Borrower shat] rear op~te to reieasc tnc liabi(iry of Barrowrs or any Successors in ]nterrst of B[rrrowGt. Lendu shall not be repaired to corrrrncnec proceedings against any Successor to Intracst of Iitmnwar or to rcfu9o m exund tine Cor payment of othawlso modify am^rti~tion of the sums t)ccrrned by this Secunry Insuwmem by reason of any dcrnand made by tno ongtnal Borrowor or ony Successors in Intercat of BorrowPl. My torbear8rice by i.esttter in exetraciag any righ- or rnmwy inchtding, without limirauon, Lc^tter~s accaptttncx of payment from thad pe,sons, antitica or Successors m lntucct of Bw-ower or vt 3rnount~ 2cas than the amount then due, shell oot be a waver ^f err oreeiuda the cxernse of any right nr tamwy. 13, Joint and Seversl )Lfab-7sty; Cn-atgnrrs; Sncceavnrs and ws9igns Bound. Horrowcr covenants and agrees that Bonowor's obligations and ii:rbiliry shall be joint turd several. HowtveY, tray Borrower who eo-signs this Seeunry Instrument nut does not execute the rlorc (a "co-sigttcr"): (o) is rA-stgntng this Secunty lnatn]ment only to mortgage, grant and convey rho co-trtgnu s initresY ut ore f'roputy otrder the terms of this Secori[y 7nsptvncnC (tr) is not p~gonaUy obligates to pay [ne soma secured by this Srrrtri-y lnstNment; end (c) agrees that Lenoor and any other Borower can resets m extend, modify, forbear or rnakc any accommoJotions with rcgaro m d-e terrtrs of this Scxrtriry Inswmont or the Note without the co-signer`s cOnscnf Subject to the pcovisioru of Secnon 1 B, any 5ucecas^r in (rawest of 8orrowcY who assumes t3ouvwu` a obligauons undo thi, 5ouu,a lnvtrumcnt m wtiiing, and is appttrvcd by lender, ahaD obtain oll of Borrower`s r~hu and benefir9 unncr this Scctrnty Iaswtnute Borrows shall not be rtieIISCrI (tom Aot7owu`a obligations and liabtliry ender the Seatrity Inswmcnt units., Lender agtccla w such release to writing. 7lrc covenants and agcuncrrs o! this 5ecunry Inatrtuncm shall bind (except a9 prnvlded in 5ec[wn 20) and benefit lire successors and asstgtu of l.enurr_ i4, l.nan Charges. I.rJrdcr may charge Borrower rccv for services performctl in c^nncctian with Borrower"s default, for Nc purpose of protecung t,cttacr'g entrrest in the Prnptxty ens rights trader thi9 5ealnty Instrttmcrst, including, Dul aot llmtted to, attomcys' Pecs, property tnspcr~on and valuation fcc~. In regard m any ocher fees, the aoscncc of express authority [n this Socvriry Insaumrnt m el-nrge a spccifit fee to Ilorrowcr shall not be construcA as a prohibition on tbo d-arsing of such fee. L+ardtY may not ehsrge fees the are exlucs9iy Prohibited by this 5xtlriry In9rrtttrtent of by Applicable Law. U the Loan ze subject to o iaw which acre rntuimtim loan cherscv, and that raw is finally tnterprrr!rn so that rho tnter~t or other lose charges collected or to be coAected in cottneeoon with the Loan cxcad iltc pe^nitrcd limos. then: (a) any such iomr charge sholl be reduced by ~ ttrrtowt n~~' to reduce tits. charge to the txrrnittt0 13nilt; sad (b} arty sums already coll<xlcd from borrower which rxccerded permitted lung will be tef»rtocn w Borrower. Censer may chooso to make this rr~tmd by redoWrtg the prirrciDal owes unau the Note. err ov malting a ditrc! peymrnt to Borrower, if a rzfund reduces pru,aoa(, tyro redncoou will be resales as a pnrtJrt] prrpeymrnt without any prepayment charge (whcthci or not a pczpavment cAnr£e r9 providtd for ender the Note j. BonoaQ a acccptanee of any such rcfond mado by doer! payment ro Borrower wiD consvwta a u~Ervcl of any rrght of action Borrower might have Hri3in8 out of such overcharge. ~mn.a; -aAtPA} IpYV~~ v.p. rt o~ 19 Form 30~B 11Dr m ~K`183g~G~~ D3 . _ _-.. '. ...~~ t..~ ~R' 15. ZtiOtICrB. AI! tlt)ttceS pvrn Dy $orTOwQ Or l,cnot7 In Whnccuon wl~ dris Severity tnsvuntent [nuyl be to writing. Any nobcc to Honvwel in t:Drrrrectinn witL thin Sec.rrflty lr-atn-mwt 3i)aIJ be dtxrnod w have been givvt to Borrower witcrt maned b7 Cnat rises mail or whw ncntal),y detivGtetl tv Eorrvwor's notice oddress if sent by other insane. Notree to arty ous Bonvwcs sl-all t~n8tltutc notice to all Botiowetu unites Applicable Lew apressly rogtnres otheruriae. The notice atldrees sho11 be the Hnparty Address utitt~4 Borrower ha4 des-gnt-[cti o eubspnrte tsotfce addres& by notice to Lerida, )3ortowcr t;6a11 ptvmpuy notify 1_erWu of Borrower`s change oP address. if L.rndtq specifies a procrdur,; for reporrrng 9onnwcr'e change of adtkgs, then Bocrowcr sttalJ only report a ehango of oddress through thffi sptxifica ptoocatua 7he7e mqy oe tmiy one aenibRtatt:d noQCe addn~ ttnr]Cr this 5ect-rity Instnrmcat at any one oma. Any notice tD lennu shall be given by dclivrxing it or by mailing ;< by Ertel ciasa mat? to Lchaa's utdrevs s>eted hcreur tttuess trnau has txsigntuta another adtUt9s try nonce to Bo>rowa. Any notice m connection aitit this Socttrity IosWrnent shall not be deemed to have bear s7vetl l01.endCi untIl aetnally recctvcd by Lanett. If QRY oodce rcQUtrcd by tria Security Instrumcne is aiso rcquard ender Applicable Lnw, rho Applicable Lam tcgrttrrutettt wtll Satisfy the correspond'urg regvcirernentunder tiffs Stxunry IvStrttmcnt 16. Govcrniog Lna; Severabr7tty; Ruic+ of Coasau~tioa Thin Sccunry Inatrvrruttt shat! bo governed by t'cOaal lriw end the taw of rho ptrisdiction in whieb fire 1?tnocrry is rotated. All rights and vl)ligr-oorLv cAntainrd in this 9cutrtty Itt9mtmcrrt ~c subject to any teauirarhdrtS and limrtarionr of Applicable Law. Applicable Law might czplicit)JI or impl'uit]y allow the otuucs w agree by wnvatt or it might be silznt, but such stlcncc shall no- .a t:onstrueJ as n prnRlbrriort agntr+st agrcemcnt by conlTttcx It- rho event that env provision or cl:-use of this Srxunry Lnatr,unrnt of rho Note conflicts with Applicable t_ow, sock conflict shall not affect otheJ provisions of this s~r,ztty lnsvumen- or the NO[D which can be given effcet without the conliicling DtDVisian. A4 rises in this 5txunry lnatrumenc Id) wards of the mssculinc gwaer shall mean turd inciude coaGStwndirtg nattcs wards or welds of tits tui-tnittc gender; (b) words in the smguiar shalt min rind rneludc the p[rtrni trC rtes vim; and (e) the word "tnav- gzvcs cote discretion without any obligation to twice arty ecunn. 17. Borrower's Copy. Btxrowcr 9ttall be grvrn one copy of the Note and of this Setttnq )nstranrcnr. 16. Transfer o! the Properly or a Beneficial Interest iA Borrowu. rla dSC.d jr- this Sac::on 16, "In-rrest in the Aopctity" means any ltgoi or herteftcisl inturst in the Proircrty, incitrding, but not limr[ca to, dtosc 6enc8cisl interests transferred in a bond Inc deed, contract for t[ccd, metallrnent sacs connect or escrow ogrccmcnt, tnc intent of which is the trrnsfrr of title ny Bormwu st a future date w a purcdaur_ ]f all of any pan of the Propcrtr or tiny ]nrertst U the I'ropcm is sold err irarrafcrTOd (nr if Bonnwcl is oot a t-ntnrnt pcsaon and a berteficta! inrrnst to Borrower is gold or oanefcrrea) without i~cadrl`s pnor wntrrn corrsCf-t, i_e.nda rnuv tr.Qtttre lmmrdlaoe payment in full at all suns sertutd by this Sectur[y Instrument HowevQ, this optrrm shall not oo czrlrlsal by I.enaa tf evtJf cxetrise is yrohibltad by App6eobk L.aw. II I.cnacr atc~crscs this option, Lurt)cr shall give Borrow^ nonce of ttcccltxntion, Tltc noocc shall provide a prairie of »ot fees tl<2rr 30 date from the Gate the notice u given rn rrecardarrcc with Sceuon IS within which Bovower must pay all sums securrd by this Socw~tty intnrun-cnt If Borrowrr tbiL9 w poy three soma pnor W rite t=xpuatlon of this pca-~oa, Lcnou mnv invoxc env temedi© parmstscd by thiQ Security Insmtment without frtttl-u notice or ottrrrona on Bo~owu. 19. Barrowrr`e ItlgLt to Reloetate Aber Accelrrnfioh. if Botrowu mccS9 cxrmtn conditions. I3ouowa shall have the right to have enfnteernrnt of this Secttriry InaUumea-t tligwntzrruaci et say tune poor m ttrc earliest oL' (e} five days bdore irnlc of the Property pvr9unnt m any powo of sole eonnaincd in IhiS Stew ity Instrumens; (b} such other period os Applict-blc Law might specify for the tnmitratton of Horrmvet s rigbl l0 7einst3tC; or (c) entry of a jatlgment cnfortvrg Nis'Security instrument. TTrose conditions arc the, Borrower: (a) pars Lrndcr otl sums abkh tlrrn would be dot: undo Nis 5txvtrry Itrsaiurwtr and IJrc Note a9 it no acccieraAnn had oceturcd: (b) ewes any default of anY other rnvetwrtta or agrermrnp; {c) pays all )nllt~l,- ©-eA1PAj ~o1ac- P~p• ~_ o11e Form 3DJ9 1f07 eapenscs incnrre~d an enforcing this Security InBtrttmcftt, including, bUt not timiuea tn, rcasottsblC nttorrreys Ices, property tnspccoan nna t•ainoDOn fees, and otAec ices meuaed for the purpose of ptvitctirtg i_cnau's inGCtcst m the P'rl)p~1tY nna rights nnou 12ti5 5ecrstry lnsmtmenn ana (d) taxes such xenon os r,cnaa rosy rc~sonal;If r~~*t to navure chat Lcn4cr`s inu~era in the Property and rights under this 3ccnrity ]nstrumcn~ and -otrowa's obligation w pay the some s~,.,c~ ay !his 5a~rrnry instturn~c, s•RaII ~ntznttc drlcrwngui t.ettou trlay requue that BorTOwu pnv auto reinslBttment sums and ezpc:nses st one or mono of No fotlawrng forms, as soitxued by Lcnocr-. (s) cash; (b} roomy order; (c) ccnifieu theca, Ganz titr~r, trcasturr`s check or cashier's check, provided nny such cheese u Drown upon nn trt9nNdon whose drpoelts aro instued by n faders! agency, instntmentttliry or cnury; or (d) l?tcctromc Runde 7'tsnsfu. Upon rrartstatemcnt by Bouoaor, this Secunry Inetrtunent and obligadans scettred herrby shsli rernatn fuDy effective as if no accelcr»oon had occurrcd_ However, this rigjtt w reinsgrc shall not eppty in the case of eccelrrntion uaacr Section 1 B. 20. Sole of Note; CDanse of Lone Scr~[ccr; Ivottoe of Grievance. The Note Or a prirtial inlelcal to tLe Note (togother with this Sccttrity Inrtntmenr) con be soW oat or more tirncr9 without poor nonce to Sonowcr. A cnlC tUiljhi 7C$Ult to ~ Ch811QC in Rrc antaty (lrnnWn d9 Ibe "Loan Servtcer") that CUlloCl4 Ptnodic PnymentS out unau rho Note and this Sccttnty Inetnlmcnt and poiorms othv mortgage wan servizing obhgauons under the Noce, this 5o~rlnty ln8ownent, and Appllcsbie t~rw, There utso might be one or more ehingc9 of the 1m. rr Service unrel,atrd to a Baja of the Note. 11 shut a9 a change of the l.osn S+~icer, Bouowa~ wi0 be gjvcn uzutan nolien Of ilia chnnge wtueh will ~w the name and address of rho new Loan Scrvieer, the adthcu to whits payrnatts st>o,rld be msdo and any o[Yrv lnfrnmation R$SPA rcqutica in rArtnocoon with o noucc of trensfu of t~ervir5ng, lI the Nou is so[d sari thelcaftcr tDc Lose is scrvttcd by a Lotus SclVtcu orha shoo the ptnchttsu of the Note, the mortgage loan scrvjcutg ob]igauons to BotTOwer will n7rwar with tttc Loan Senjcer rx be transfetlr-d w n successor Loan Suvtcar and ors not assumed by lire Note purchase) unlass otherwise pTOVidcd by the Notc purchaser. Neither BotmwQ nor l,endtx rnny commerttx, Join, or be ~oinCd to any juditael acunn (as t:itha an rrtdividual lilig3nt or the metnha of a clas&) that arises from rho olhv parry`s Bctinns pur9u0ut w th16 Sccrmty [ngtxumrnt or that nliegcs that the othu parry hay trtrached nny provision o(, or any awry awed by ne.9on of, this Smrrlty Insvumcnt, until t;uch Bortowu err Lender hos ooti6cri the other Deny (with such noatx given -n compliance with 1ho fegttue<nertts of SecIInn ] 5) of such aikgad bcench and aUorard the olfxr parry hCrt?t0 0 reawnable pctiad after we grving of such noocc w inl[c conectrvc oc¢on. I! Applicable Law provitics a tiara prnod which must ejnpec before cawtrt actron ten be tatrerr, that pme pcrioo will be ticunod to be rcaaonabfe for pttrposca of this per3grnph. ThC notice of tuccieratmn and opportunity to cure gi.•en to Borrower pttrauant to Section 22 and the nonce o[ nactrcrotlQn gtvui to Borrowu pu~9tutnt to Sccoon l8 shalt be deemcri ra satisfy the notice and opportunrry to rake cotzeeuve nctinn provisions of this Section 20. 2l, !-Ifl7ardott9 5o6~casees. AS used iD this SCCpon 2l: (a) "lfnzardnus Substnaeca" arc chose sulretatlccs dcfmcd a+ toxiL or hscardoUS aubstancm,, polluernts, or wastes by -nvt-onmCrttal Law and dre foDotving au~eeuncrs: t,-avoline. Iecaosonc, ocher Flammable or Wzic pcKt)tr;urn vroauc[.s, 10)tre paaticides sna hubicidrs, volatile soivents, tnatcrinls containing babcyta9 or formaldehyde, and radioactrvc matrlials-, (h) "Environmrnral Lew" rucsXts fedrsal laws and laws of the jtsrisditnon where the Property is focatea that rriltc to health, salary or cnvrrbnrrxntal protcgrtxn; (c) "2,rtvitonrrrcnnil Cleanup' intrudes nny msponsc action, rerrtadio) nctron, or removes action, ee debned ~ Pnvrronrrtcnml Law: and (d) an "Prtvuonrnrntal Condition` mans s condition that can cause, contribute m, or othetwts- nigger en P_nvtronmurta) Ck~nUp_ mNNt: -e4tPAj soma v.a. +~m to Fo.m 3DJ9 'tr01 m ax-~ a~9ec37os ::. , ~+-a ;= .. _ Boorwes shsll tJOI cause nr pcstnit the pstaeece, use. disposal, gtpiBt;c, a rrSease of MY ){.vTartious 5ubrtaruxs, a threaten w release any F3azarvnue Substances, on or m the ~ry. Bouuwer shall nw oo, ties allow an~onc c,tix to do, anything aHccnnnngg the Ptopcrry (a) thot a in vtolsnon of any pnvrroomcntai t.-aa, (b) wroth txeates an J3nv7tonmental Condrtion, tic (c) which, auc to the presences use, yr relt.nse of a Hazardous Subswncc, crtwtet a condition that agrGtac3y neftcts tbo valuo of tAc Prop~p. 71ro proccding two eeiutACe9 shaD not apply W the pmsence, uses, or storage on the Proper[y of ttmatl 9unnrlsies of Fiazmdoud Substsntts that are $u-tratly rtxo~'nrzed w be opproprtato to normal rtsJdurtial axe and to malrtrcnancc o[ the Property (inclodtng, but notlimucd to, hrundous sunstances >n corttrarncs products). Sarrowe~t ahnil prompuy gtvo L«rda written notice of (a) say Snve9hgaMn, claim, otrrrend, Lnvburl of otlxr acaon by Hay governmentsl or n~uisuxy ages or pnvatc party tnvoh+ing the Property and arty Hazardous 5ubatmce or F~rvuonrnanta] l~~• of whi+J- Borrower ltaa ncnmi lrnowtrwge, (b) am Iinvuontruntsl Cotxlitinn, iachtding Diu not lirratea -o, say spilling, leaking, diu:hnrge, rraeasc os threat 4f rc)easc of any Aazmdoua Substance, and (c) any condiDar c9uscd Dy the presntec, use or rolcavt: of a l~taous Stbsmata which advr~sr3y efftets rho value of Iho Property. If Bonowa )carne, a is notifrad by any gnvemmenraf or regutatary authonry, or any povate parp~, Nat any runonfll or ocher runcdisriou of anv NazatQou9 Sul»~tttnce affott-ng tbo Aopary is neccs3ary, Borrower shall promptly twice all naccssary rornedL~l acuoas m accoraaucc with ~nvit'OtlntQrtral t_nw. Nothing hrltirt shall create any obligxion on J~nocr for an 13nvironmeattal Cleanup. NpN~INIPORM COVPNANTS. Borrower and >-.arou further covensnt Hnu ages at follow9: 22. Arreleratinn; Ranedles. Lender shall grvc notice to Borrowc>< ptint to acxrteration Potlouing 9orruwcrss Dr enrl- of any Cdr+-ngh1 of ngrcement 1o this Security Iatrlrtrmmrl fbat not prior to acceleration under 5ectsoa 18 utiteee ApplicAble Law provides atitrrwue). Leader atiatl notil, Eorrowcr of, among atther t2tbogs: (a) the dt/nult; (h} the oction regttlred to tore the defatrh; (c) when the ddnult rnuot be c+tz;rd; nerd (d) that InilttrY to curt eLe dcfl,dt a8 Bpedficd map result i>, accelesatfob of tLe sums secured by tLia Security Instrnmeol, forrclrrsure Dy JndldHl procrtding and sah• of the Property. Lender trLnll Nrthe. inform Borrower of the right to rrinetnte aver atcttrrx>3tion aced tAe right ro aegest :rs for forectosttte ptoccediog rise : ^.n-erstence of a dcluaK er te-RY et+~~ dele:~e o! n^rroa~rr to ueceler>,tion anti forec]oeure. Yf the dcfaalt >, not cured as spetitled, Lender at its option may reyulre immediate payment in fall of aA earns aecurrd b77 this Secltrrty lnsYrarnent without furrthv demand and may forecingr tbta Setvrsry 1DSTrumrnr by judfeiat yrnceed~g. Leader stroll be eotitlrtl -o collect all pcpeosee ineurrrd Jn purauin the temrdies prosided fn [Ais SerVon 22, lnclAdtot, but not llmfrrd +o, attorrreyt:' fecE and costs of tie evidence to tie ortrnt permitted by AyyticnDk Lair. L3. Aclease. Upon ppay~tncnt of ell sums secuued by ltti9 5ccurirY irtstrt++ntnt, this Srlun~J' lnstnuncn+ ;too the estate convepped shall temttnata sad become void. Af)er seen otz-~rnce, Ladder shall u>;cnar8c ar'o saUSfy this 5ecwiry Jnsmrment $orsotver tritaD Pay arty rtcordanon coats. r~cnder may charge Borrower a Ice for relcaei--g this Sc~uity 1asWrnenL btu ont~}y'~tf tDe fee is paJd >4 o third party face servrces tenoercd and tAs cttsrgrug of rho fee Lt permuted unau AppucoNo law. 2q,'Walvers. J3orrowu, w the exWr+ pemtturd by Applicsb)e law, waives anti tetcascs any error or defects -n prpcecclings to onforur tfris Seeunry Instrument, anal h~'cby wntvrs tnc ocnc~t of any p~vwrsr tic fotrrre laws pravtd'mg Ior stay of exccvtion, rxtension oI limo, caernnaon from anacnmcnl. levy and cau_ sad homcalrnd exenrpuon. 25. Tteinr,tntrbteat Per)od. Borrower's Erne to rettts~tc provided in Secaon 19 shalt uta~a to one hour prior to rho commcnocment of bidding at a sltcriff' 9 sale err othcx t.ttlc pur9uant to this 5 ncuriry Jnstrumcnt 26. Purchase Money Mortgage. U am of the debt secured bt, this Scctmty Instrument is tent m Bonowp' to ocqutic title to [he ProDCrty, this Sceurih lnswrnent shall be a ptrrt:hase money mortgage. z7, lrtterest Rate Af'te1 judgment. Bt7[rowcr ttgrcrs ehm the -nterest rate payable afro a lodgment rs cntrrca on the Note or m an eclior, of mortgage fOTCCtostun 9hsill be the cart payable from nrvc w tune utterer the Note. mut.~.• ®-0A(PA} toaael P•p^ t. of to Form 3039 1lOt BK l 83.9PG3706 ~' v - ~ ~ ~ ~ ~ ~~= BY SIGNING BEIAW, Borrower utcepl9 and ogrcca to the terms and cpvenmt9 cotttanned in this Secun~v 1nso,unent and in any Rider exetutnd by Borrower ono rccorocd with ~ W rtncsacs- _ ~ (S~~ BOBER7 H. THRUSH -9orro.~e~ hu ci~a el J _ Fianf t tSr~t) •Borrowcr -Ilorrv+. er -B onrn. c ~ (Saxtl (Beni) -Hmro~.or -Barrodec _ (SCUD $O(IOW er . ~~ -Bvrtouer -6At PAi N~o^i P.p. ~ n o~ rn m ~t•.1839~PG3707~ Form aoaa ~ro~ r,~,~~_ _..,_.- .... Ccrtilimte oI Residence ~~ , ao htreby certify that die correct addreav of tits within-named Moitgegcc is }' O. Bor 2026, F]int, N11 x8501-Z02b. W mesa my hnno this dey of A~cnt of hfongnPoc C~MMONYVEALT}] Ox PENNSYLVANIA, ~~,,.,.,~,~~~ Counry ss: Qn tfrit, the ~~ dap of ~ Ct-~~ . bufort mc, we trnoerstgned officer. P~~Y aP~'T~ known co mt (or satisfsewtily proven) m Ae the veraon(a) whose name(s) ;Marc sabscribeA to the within instrumene Doti acr--o`-~Icdgca that hcJshrJthey rxeruted IAe same (or th4 Dttryosc8 hacm contnititQ. IN VVTINI;SS WHERPOF,1 hereunto set my t-ar>d ~n official stal. ~ , - .~ r,~ ~ My Commismon ~x~aes: d~Nt~ G'~MMOt3WEALTtiOF Pf=rytvSYt_vANIA tJaEN181 Spa 1~y M. R4~a. tJday PubDc 6uith -rtimeron Tom, ~~ fl Z[A7 MY Carrvfue~ ~~ ~ Men,Ge~. PeTtIIlYtveM>/ A~JDUon 0! No1irM>• 7'Ide of inh Uil~~'[~ ~~ BA(PA) lo7aot a,g, io o~,a Fo-rn 3099 1/07 ~~ c -~~i '~ •b,,, ~ax~a ~s.~.9 P6 3 ~ o~e~ HOMEQ SERVICING DF785 February 3, 2006 ROBERT THRUSH 111 POMFRET ST E CARLISLE, PA 17013 IiOMEOWNERS NAME(S): ROBERT THRUSH PROPERTY ADDRESS: 11 1 E POMFRET ST CARLISLE, PA 17013 LOAN ACCOUNT NUMBER: 0321334278 CURRENT LENDERJSERVICER: HomEq Servicing Corporation ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice [hat 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. "ho see if HEMAP can help you, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the counseling a~encL T_he nam__e, 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 A ency toll free at 1-800-342-2397 (Persons with impaired hearing can call 717-780-18691 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 NOTIFICAION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. S1 NO COMPRENDE EL CONTENIDO DE ESTA NOTIFIC;ION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. Pt1EDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A RFDIMIR SU HIPOTECA. HomEq Servicing Corporation is a debt collector. HomEq is attempting to collect a debt and any information obtained will be used for that purpose. THIS NOTICE CONTINUES ON THE NEXT PAGE }~~` I ( ~ wACxovrA ~~ HOMEOWNERS 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 PROVISION OF THE HOMEOWNER S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • 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 the foreclosure on your mortgage for thirty (30) days from the date of this notice. During that time you must arrange for and attend a "face-to-face" meeting with one of the consumer counseling agencies listed at the end of [his notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. T}IE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAUL7~" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE_ CONSUMER CREDIT COUNSELING AGENCIES If you attend aface-to-face meeting with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take further action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consun~er counseling a encies for the county in which ycur rp operty~ is l~~cated are set forth at the end cf this notice. }t is necessary to schedule only one face-to-face meeting. Advise this lender/servicer immediately only your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set forth later in this notice (see the following pages for specific information about the nature of your default). If you have tried and are unable [o resolve this problem with the lender/servicer, 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 submitti;~g a completed application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION Available funds for emergency mortgage assistance are very limited. Funds will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency (The 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 Agency of its decision on your application. THIS NOTICE CONTINUES ON THE NEXT PAGE Page 3 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT The MORTGAGE debt secured by your property located at: 1 l ] E POMFRET ST CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: 1. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: a) Number of Payments Delinquent: 3 b) Delinquent Amount Due: $2,836.38 c) Late Charges: $ 133.86 d) Recoverable Corporate Advances: $8.80 e) Other Charges and Advances: $0.0 f) Less funds in Suspense: $0.00 g) "Total amount past due as of (due date): $2,979.04 2. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use if not applicable) HOW TO CURE THE DEFAULT You may cure this default within THIRTY (30) days from the date of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDEWSERVICER, WHICH IS X2,979.04 PLUS ANY MORTGAGF. PAYMENTS AND LATE CHARGES (and other charges) WHICH I3ECOME. Dt1E DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier s check, certified check, or money order made payable to HomEq and sent to: Regular Mail HomEq Servicing Corporation P. O. }3ox 70829 Charlotte, NC 28272 - 0829 Overnight Attn: Cash Central NC 4726 ] 100 Corporate Center Drive Kaleigh, NC 27607-5066 Y_ou can cure any other default by_ takin>; the followin>Z action within THIRTY (30) DAYS of the date of this notice: (Do not use if not applicable) THIS NOTICE CONTINUES ON THE NEXT PAGE Page 4 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/servicer intends to exercise its ri ht~accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the opportunity to pay the mortgage in monthly installments. if full payment of the total amount past due is not made within THIRTY (30) DAYS OF THE DATE OF THIS LETTER, HomEq Servicing Corporation also intends to instruct its attorneys to start a legal action to foreclose upon our mortt?at?ed property. IF THE MORTGAGE IS FORECLOSED UPON The mortgaged property will he sold by the Sheriff to pay off the mortgage debt. If the lender/servicer refers your case to its attorneys, but you cure the delinquency before the attorney begins legal proceedings against you, you will still be required to pay the reasonable attorneys fees actually incurred up to $50.00. However, if legs! proceedings are started against you, you will have to pay all reasonable attorneys fees actually incurred by the servicer even if they are over $50.00. Any attorneys fees will be added to the amount you owe the lender/servicer, 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 attorneys' fees. OTHER LENDER/SERVICER REMEDIES The lender/servicer may also sue you personally for the unpaid principal balance and all other sums due under the Mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE If you have not cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s Sale. You may do so L-~paying the total amount then past due plus any late charges other charges then dueL_reasonable attorneys' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in writing by the lender/servicer and by perforrnin any other requirements under the mortgage=Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE It is estimated that the earliest date that such Sheriffs sale of the mortgaged property could be held would be approximately five (5) months from the date of this notice. A notice of the actual date of the Sheriff s Sable will be sent to you before the sale. The amount needed to cure the default will increase the longer you wall. You .may find out at any time exactly what the required payment or action will be by contacting the lender/servicer. HOW TO CONTACT THE LENDER/SERVICER BY TELEPHONE OR MAIL: Name of Lender/servicer HomEq Servicing Corporation Contact Name PA Housing Response Specialist Address 4837 Watt Avenue, North Highlands, CA 95660-5170 Attn: PA Housing Response Team Telephone Number. i-800-795-5125 FAX Number (916) 339-6940 for use by local counseling agency to notify HomEq that the homeowner met with the agency. EFFECT OF SHERIFF'S SALE You should realize that a Sheriff s sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender/servicer at any time. ASSUMPTION OF MORTGAGE You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. THIS NOTICE CONTINUES ON THE NEXT PAGE Page 5 YOU MAY ALSO HAVE THE RIGHT • TO SELL T}IE 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 TIIIRD 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 THE RIGHT TO CURE YOUR DEFAULTS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR;) • TO ASSERT THE NON-EXISTENCE OF A DEFAULT fN 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/SERVICER; AND/OR • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED TO THIS I.FTTER If you received a discharge of the account through the Bankniptcy Court and if your account has not been reaffirmed, the acceleration and sale will not result in your being held personally liable for the debt and this letter is not an attempt to collect a personal debt. However, failure to pay the delinquent balance is necessary to avoid foreclosure. You are notified that this default, and any other legal action that may occur as a result thereof, may be reported by HomEy to one or more credit reportine aecncies. Please take appropriate action with respect to the important matters discussed herein. Sincerely, HomEq Servicing Corporation Homeowners' Emergency Assistance Program CUMBERLAND COUNTY Effective 8/ 18/2005 at 10:05:07 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 1 (888) 511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717)762-3285 PHFA 211 North Front Street Harrisburg, PA 17110 1 (800) 342-2397 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS ONE COURTHOUSE SQUARE CARLISLE, PA 17013 CURT LONG, PROTHONOTARY TO: ROBERT B. THRUSH 111 EAST POMFRET STREET CARLISLE, PA 17013 WELLS FARGO BANK, N.A. AS TRUSTEE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, NO. 06-2903 v. ROBERT B. THRUSH NOTICE PtIRSLi 4.NT TO MULE 236 Defendants. Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above-c doe ~ ing as indicated below. urt Lo rotho otary [XX] Judgment entered by Default IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Rob Saltzman, Esquire, Attorney ID #53957 PLEASE, BECKER & SALTZMAN, LLC 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 856!813-1700 Attome s far Plaintiff ~/°~' 3 6 y Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 Rob Saltzman, Esquire Attorney ID NO.: 53957 856/813- l 700 Attarney for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY" NO. 06-2903 v. ROBERT B. THRUSH Defendants. PRAECIPE TO ENTER JUDGMENT AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Default Judgment in favor ofPlaintiff, Wells Fargo Bank, N. A..As Trustee and against Defendants}, Robert B. Thrush, for failure to file an Answer to Plaintiffs Civil Action in Mortgage Foreclosure within the time provided for by applicable law from service thereof. Service was made on the Defendant(s) by, Sheriffs of Cumberland County as follows: Robert B. Thrush, served May 25, 2006 .~ , -, n - _ S ~, ' _ ~ Y _ (.-~ . __ r-. ~f~ ~~ .. < ,_~ -~= _. f_, ,_ -, -,', Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 Rob Saltzman, Esquire Attorney ID NO.: 53957 856/813-1700 Attorney for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendants. No.:06-2903 CERTIFICATION OF ADDRESSES I, Marlo Washington, Paralegal, of the Law Firm of Pluese, Becker & Saltzman, LL,C, Attorney for Plaintiff, Wells Fargo Bank, N.A., as Trustee hereby certify that the Plaintiffs correct address is 1100 Corporate Center Drive, Raleigh, NC 27607 and the last known address of each Defendant is as below. Robert B. Thrush, 1 l ]East Pomfret Street, Carlisle, PA 17013 I certify that the foregoing information is true and correct to the best of my knowledge, information and belief. Sworn to and Subscribed before me this c~~~"~~ day of /`~~<<~~ ~-~ , 2006. PLUESE, BECKER & SALTZMAN, LLC ,,, r "f ~ RA~F~H JOSEPH GIULIANO A Nott~dry Public of New Jersey M1- Commission Expires June 26,2011 COURT OF COMMON PLEAS CUMBERLAND COUNTY By ~1 ~_~' ~~ti. Marlo Washington, Parale al t Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 856/813-1700 Rob Saltzman, Esquire Attorney ID No.: 53957 Attorney for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendants. COivi1v10N'VvEALTH OF PEi~1NS~C'LVANIt~ COUNTY OF CUMBERLAND: s.s. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 06-2903 AFFIDAVIT OF NON-MILITARY SERVICE I, Rob Saltzman, Esquire, being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained either by or an behalf of the Plaintiff herein named and that such investigations and/or records indicate that the above-named Defendant(s) is/are not in the Military or Naval Service of the United States of America or its Allies as defined by the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant: Robert B. Thn~sh Age: Over 18 Residence: 1 l 1 East Pomfret Street, Carlisle, PA ] 7013 Employment: Unknown PLUESE, BECKER & SALTZMAN, LLC By: i _ ._ Rob altzman, Esquire A~xorney ID No.: 5395% Sworn to and subscribed before me this~~L~'day ofi~~~`~~~' , 2006. J ~i i n ,~ J ~,/ RALPH JOSEPH GIULIANO A Notary Public of New Jersey Illy Commission Expires June 25,2011 Pluese, Becker & Saltzman, LLC Attorneys At Law 20000 Horizon Way, Suite 900 Mt. Laurel, NJ 08054 856/813-1700 Rob Saltzman, Esquire Attorney ID No.: 53957 Attorneys for Plaintiff 78395 WELLS FARGO BANK, N.A., AS TRUSTEE v. Plaintiff, ROBERT B. THRUSH Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 06-2903 CERTIFICATION OF MAILING I,1Vlarlo Washington, Paralegal, of the Law Firm of Pluese, Becker & Saltzman, LLC, Attorneys for Plaintiff, hereby certify that I forwarded to the following Defendant(s) on the date(s) listed, by regular mail, a copy of the Notice of Intention to take Default Judgment, Rule 237.1: Robert B. Thrush, 111 East Pomfret Street, Carlisle, PA 17013 PL BE KE>~ & ~~ LTZMAN, LLC Sy. 1 Mario ~hington, Pai-al gal PLUESE, BECKER & SAI,TZMAN, LLC Attorneys At Law 20000 Hcrizon Way, Suite 900 Mt. Laurel, NJ 08054 ~ 8561 81 3- ] X00 Attorneys for Plaintiff 78363 WELLS FARGO BANK N . .~1 . , AS TRUSTEE Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY 06-2903 v. ROBERT, 13. THRUSH Defendants NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa. R.C.P. 237.1 IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the Court= your defenses or objections to the claims asserted against you. Unless yoL~ act within ten (10) days from the date of this Notice as set forth below, a Judgment may be entered against you without a hearing and you may lose your property or other important rights and may be liable for money damages. You should take this Notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 NOTIFICACION IMPORTANTE Usted esta en incumplimiento de su oblicacion legal de preser,tar, ya sea personalmente o por medio de su abogado, una declaration por escrito >> por no haber presentado por escrito sus defenses a los c~3rgos que se her, presentado en su contra. Si usted no tome action dentro de diez (10) dial de la fecha de esta Notification, se registrara una sentencia en su contra sin audiencia y usted pods perder su propiedad a otros derecho importantes y pod s ser responsable por Banos monetarios. Usted debe llevar esta Noticia a un abogado enseguida. Si no ti me abogado o no time dinero suficiente Para tat servicio, va_ya en persona o flame por telefono a la oficina cuyo numbre se encuentra abajo Para conseguir asistencia legal. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 1/800-990-9108 Date of Notice PERSONS SERVED: Robert B. Thrush 111 East Pomfret Street Carlisle, PA 17013 August 10, 2006 PLUESE, BECKER b SALTZMAN, LLC By_ Rob al t zman, Fsc~ui re At~neys for Plaintiff -2- PLllESE, BECKER 6 SALTZMAN, LLC PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 1'Vells Fargo Bank, N.A. as Trustee Plaintiff v. Robert B. Thrush Defendant(s) To the Prothonotary: Issue Writ of Execution in the above matter: Date August 28, 2006 Note: Please attach description of Property. AMOUNT DUE INTEREST From 8/23/06 to l 2/6/06 (c~ S14.97 ~~er diem Total (Costs to be added] IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 06-2903 \F S9l _086.3 ] $ 1,571.85 X92,65 8. ] 6 , -.~ -~ f i ;~ ~~ ~~~~ = ;~; -a ; - --~ =-~- c r~ - . , -1 -- ~~ =- ~. ~- ^~~ Rob"Saltzman, Esquire -1'itorney for Plaintiff ,'~ 20000 Horizon Way, Suite 900 Mount Lalu~el, NJ 08054 (8.56) 813-1700 Attorney ID No.: 53957 Our File ti78395 L'~HIBIT "B" HUMEQ SERVICING Foreclosure Bidding Instructions Date November 27th, 2006 Attorney Rosicki, Rosicki & Associates From HomEq Servicing Corp Subject Forclosure Sale Bidding Instructions Scheduled none Loan Number 321334278 Borrower Robert Thrush Address 111 E Pomfret St Carlisle, PA Occupancy Vacant Secured Sate Date December 6th, 2006 As Is Value $1,000,000.00 HomEq Payoff $94,139.23 Preservation $1,400.00 Future Closing $100,000.00 Remit Interest $0.00 Cost to Cam Sr ~O.ao HomEq Sale Yes Attorney Code ATNYROS2 Lien Position 1 UPB $79,462.51 Remit Rate 0 Investor 293 Liquidation Date April 20th, 2007 Seller Pays Taxes No Sheriff Appraisal $0.00 New Sale Date New As Is Value $1,000,000.00 New Nomeq Payoff $94,139.23 Unpaid Legal Fees $0.00 Senior Payoff $0.00 Actual Unpaid Taxes $0.00 Pre-pay Penalty $0.00 Other Liens $0.00 Sr. Cap $91,139.23 Max Bid $94,139.23 Deposit Req. $9,413.92 Deposit Notes 10°I° of the maximum bid amount is needed at the time of sale with th e balance paid 10, "20 or 30 days thereafter - may vary by county. No right of redemption ALERTS: REQUIRED FOR INTERNAL PROCESSING Is Deficiency Available? No IRS Lien? No Ratification or Confirmation? Expiration Date from Sale Projected Date o1 Rat. or Conf Successful Bid Amount $O.OCI Redemption? No Successful Bidder Redemption End Date Required Approval Specialist Date `ti'ACxo~a bahati.mathias~a wachovia.co -,~' m 11/27/2006 10:30 AM prepared bid for 12-6-06 value $95,500-00 romeq po $94,139.23 bid iao$94,139.23 Full Debt upload bid to nei o~. 03213342 t &_17 G~522fiitl_bid_A3 a 614t? pdf To bahati.mathias~a wachovia.com cc Subject Sid Sheet for Loan plumber 0321334278 PAY4 0321334275 AS-OF 12/07/06 PAYOFF CALCULA'1'I0N TOTALS 11!24,'06 13:08:28 NAME R THRUSH CONTACT TIAME ROBERT THRUSH PRIPICIPPT BALAPICE 79, 462. 51 ---- RATE CHANGES ---- ------ INTEF.EST 12;07;'06 10,077.54 CALC INT FROM R?TE AMOUNT PRO R?TA MIPiPMI .00 11/01;05 10.70000 3,539.27 ESCR04ti ADVANCE 1,769.07 04i0"1!05 11.87500 4,.?01.80 ESCR06d BALANCE .00 10!01/Ob 12.501J00 1,836.47 SUSPENSE BALANCE .00 12/08/06 HL~J BALT~ICE .00 REPLACEMEI`'T RESERVE .00 RESTRICTED ESCRO,•J .00 TOTAL-FEES 27.00 ACCUM LATF. CHARGES 513.06 ~_CCU7rI NSF Cf-L~~F.GES .00 OTHER FEF,S DUE .00 PENALTY INTEREST .00 FLATiOTHER PEDIALTY FEE .00 'I'O'I_?L INTER EST 10, 077 .54 CK LIFE/ORIG FEE RBATE .00 TOTAL TO PA YOFF 94,x.24.23 RECOVER?BLE IlALANCE 2,275.05 NUPZBER OF COPIES: 1 PRESS PF1 `:O PRINT' MULTIPLE IR CHANGE PERIODS CROSSED - CAI•CULATIONS ARE SUSPECT P195 LN 0321334278 F G R E C L o s U P. E a c r o u PI T I N l`~ 11/~4,'O6 NP.ME R THRUSH ITN-LN 293-050-7000082658 DUE 12-01-OS TS'PE 13-A BR GS M.P.I~1 C P-TYPE 1 INT . 1 Q70000 FIRST P$ 79, 462.51 2I~]D PB . d0 PRQPERTY 211 E POMFRET ST FORECLOSURE STOP 3 FC TRACK A ADDRESS CARLISLE PA 17013 BALANCES ESCROW .d0 P.ES ESCROW .00 ADVANCE 1759.07 REPL RES .00 TAX HAZARD MI P / PI~II FORECLOSURE IT~7VESTOP. ATTORNEY ADVANCE t.DVANCE ADVANCE ADVANCE ADVANCE ADVANCE 1338.07 431.Od .QO .00 .Od .OU MTGR RECOVERABLE NON RECOVERABLE 3RD RECOVERABLE CARP ADVAI~ICE CORP ADVP.NCE COkP ADVANCE 2275.05 15.00 .d0 FIRST CORP. AD'JANCE 07-07-04 LAST CORP. P~VANCE 11-07-06 PLEASE ENTER NEXT TRANSACTION Pr.l{~;0321334278 Page 1 of 1 Joe Giuliano From: Gay Pike [gpike@rosicki.com] Sent: Wednesday, November 29, 2006 3:05 PM To: Joe Giuliano Subject: THRUSH 0321334278_Bidding Instructions(2].pdf Please see attached bid -full debt __ . _ _ _ __ Wells Fargo Bank, National Association as Trustee, under Pooling and Servicir Title Vested in the Name Of: Agreement dated as of March 1, 2004 GSAMP Trust 2004-FM2 Mortgage Pas: Through Certificates Series 2004-FM2 __ __ __ Gay Pike Direct phone 918-241-3351 Direct fax 918-241-8549 *'`This message is intended only for the use of the individual or entity to which it is addressed, and may contain information that is confidential. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of this communication is prohibited. If you received this message in error, please delete and/or notify the sender by return email. Although our company attempts to sweep e-mail and attachments for viruses, it does not n~ ~arantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses. Thank you. y~v. WE ARE A DEBT COLLECTOR AND ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 12/4/2006 EXHIBIT "C" PLUESE, BECKER & SALTZMAN, LLC Attorneys At Law Rob Saltzman, Esquire I I.D. No. 53957 20000 Horizon Way Suite 900 Mt Laurel, New Jersey 08054 (856) 813-1700 Attornev for Plaintiff WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant AFFIDAVIT PURSUANT TO Pa R.C.P. 3129.2 Joseph Giuliano, of full age, being duly sworn, deposes and states the following: 1. 1 am a Legal Assistant with the firm of Phaese, Becker & Saltzman, LLC, local counsel to the Plaintiff in the above-referenced mortgage foreclosure action. I make this Certification predicated upon persona] knowledge, matters of record and documents maintained in our firm's file. 2. Diligent efforts have been made to identify all persons/entities holding mortgages, judgments, liens, or other interest in the subject premises of the foreclosure proceeding. The efforts made include, but are not limited to a review of the Court dockets and those interests or encumbrances disclosed by the records of the Recorder of Deeds Office in the County wherein the subject property is located. Due to circumstances beyond Plaintiff's control, such land records are accurate and report liens or interests recorded through the applicable "cover" or "board" date only, and it is not possible to ascertain the identity of any subordinate lienors whose interests have been recorded after the said cover date. 3. All persons/entities holding mortgages, judgments, liens or other interest in the subject premises, and as limited by the circumstances hereinbefore described, have been provided Notice(s) of Sheriff s Sale. See Exhibit "A", Notice of Sheriff's Sale. Oyu File #7R34S 4. The Notice(s) of Sheriff s Sale herein was (were) duly served upon the recipients in accordance with Pennsylvania Rule of Civil Procedure 3129 and/or pursuant to an Order for Alternate Service by posting the subject property and as otherwise stated in the annexed Affidavit of Service. See Proof(s) of Mailing and/or Order and/or Affidavit(s) of Service annexed, collectively marked Exhibit "B." 1 hereby declare that the foregoing statements are true and correct to the best of my knowledge, inforn~ation and belief. I am aware that if the foregoing statements are willfully false, I am subject to punishment. Respectfully Submitted, Pluese, Becker & Saltzman, LLC r ~ Date: November 17, 20(16 Joseph Giuliano Our File tl7R195 - z d ,,, 3 w I m .p d . ~ cn ~ ~ d q7 ~ a 0 U -n o y 1 ""L o ~~ 3 ~, 3 ~ ~ ° C,~ ~ ~ ~ n ~ ~ ~ ~ cb~ 6 ~ ~ C. ~ ro ~ C ~ ~ ~ t ~ ~ NO ~ O o ~ °' tz m~ a ~ ~ ~_ ~ o ~~ "' 2 ~ t f ~` i -~/ C~1, ~ D ^ClC]Q~ ~ -~ -~ I , C~ -o n ~ , , , o a !~ i '~ n n~w~w p1':OI° ,~~~~ 31 `,~; m'.~ m w~°~R C ~n40 -O~; ~~w I.. ~ ~; ~cu`i N m.3 ~'o'.co I. 'a: m, ~ o~-Z ~p c ~ o". G7 1- ~ r- rn1~J ,~ ~ ~ ~:cu~ ~Ix,a -L W,~' D 1 ~ d~ ° ' I ~ m ~ m`,' o m I ~- ; ~ o Co 'O ° ~ 0 1'- n , ~ ' ro - : No i a --~ io c W = ~ a ~ Q -p 1 co n ~ x rD • -d c o D 3 ' o -p ~ -.~ I N , (~ ~ ! -~ N 3 ~ o i N ~ ~ ~ O ' ~ of ~ m ~ ~-n n ~ ~ !1 i` ~ ~ I p '. O `~ l ~ J (~ Q ^ ~~-- o < ~ ~ ~~ 3 ~4 m '~' ,4 a ~ ~ I ` U' ~ I p ~ `~ I } m a- 3 o c ~ ~ f ~ c m ` t k CC -, 'i a I ~ ~ `° ~ ,o ~I °a a~ i m ~ ~ , I ~ ~~ ~ Ik ~ !<n ~ ' Q 3 ~ ! 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Ty ~ m T ~ Q ~ livery of ion I ~ ~ m ti0 nor ure Ca firrr~a Si ' _ ~, ~ g I ~ _ Sp~,i i Handl g ~ ~ mo R strict pelive I ' m ~ PLUESE, BECKER & SALTZMAN, LLC Attorneys at Law 20000 HORIZON ~~'AY SUITE 900 ROB SALTZMAN MT LAUFt)`L. NEB' JERSEY 0805a-a318 RS~It>n~~n_i~pb.51~~.r_ur:' (85b) R13 1700 FACSIMILE (856) 813 17~U SANFORD J. BFCKFR ~l i L i1~ r•r,c,;,i111~1~u~ PFNNS~~~~'nNtn OFFICE: ROBERT T- PLUESE a25 COMMERCE DRI~~E, SUITE 100 t<F'liu~<i°~~nh;l~i~_; nr~~ FORT hJAS}IINGTON. PA 1903a (715)S~b-3205 ROBERT F THOMAS RI huni~5~lcplrsl:;ls_~~r~ Please repl~~ to: Mt. Laurel, Ne~~' Jersey OF COU~~SF-_: Katz, Enin R Le.~me; P C The Law Offices of Barbary A F ein. P l • t'A and NJ Bars N077CF OF CUMBF,RLAND COUNTY SHERIFF'S SALE To: All Interested Parties, identified in the Annexed Affidavit Re: Wells Fargo Bank, N.A. as Trustee }'. Robert B. Thrush Docket No. OG-2903 Property: 1 I I E. Pomfret Street, Carlisle, PA ]7013 Please be advised that the above-referenced property (and any improvements thereon) is scheduled to he sold by the Cumber}and County Sheriff s Department on 1?ecemhPr fi. 2006, at ] 0:00 A.M. at the Cumberland County Courthol{se, One Courthouse Square, Car}isle, PA } 70l 3-3387. This sale is scheduled pursuant -o a Final Judgn~~ent in T.~lortgage Foreclosure entered in t}1e any{oust of 59},086.31 in the Court of ComJnon Pleas for Cumberland County. Our records indicate that you may have an interest in or judgment encumbering the mortgaged property which may be extinguished (removed} by the sale. You may wish to attend the sale or otherwise act to protect your interests. A schedu}e of distrbutior, vri}} be filed by the S}Teriff on a date specified by the Sheriff :not later than thirty (30) days after the sale. Distribution wi}} be made in accordance with the schedule unless exceptions are filed thereto within ten (} 0) days after the f ling of the schedu}e. Yau may call the Cumberland County Sheriffs Department at (7l7) 240-6390 for the date on which the distribution schedule will be posted. Sincerely, By: Rob Saltzman, Esquire Attorney for Plaintiff Our File p78395 EXHIBIT "D" Message Page 1 of 1 Joe Giuliano From: Whitfield, Roberta [RWhitfield@PKH.com] Sent_ Tuesday, January 16, 2007 5:59 PM To: Joe Giuliano Subject: 111 E. Pomfret Street, Carlisle -Robert B. Thrush We are handling an REO on the above property. The title report referenced a mortgage to Beneficial Consumer Discount Company in book 1936 page 4012. The 3129 affidavit listed Beneficial Consumer Discount Company as a mortgage holder; however, the certificate of mailing does not list Beneficial. Were they properly notified? Thank you for your assistance. Roberta Whitfield REO Processor PKH SETTLEMENT SERVICES 1719 North Front Street Harrisburg, PA 17102 Phone 717-234-4178 Fax 717-234-1206 Cell 717-350-2251 1 /19/2007 ~) ,IAN 29200)' l Rob Saltzman, Esquire / ID No. 53957 PLUESE, BECKER & SALTZMAN, LLC 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 (856) 813-1700 Attorney for Plaintiff, GMAC Mortgage Corp. File No. 75091 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Robert B. Thrush Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No. 06-2903 ORDER TO SET ASIDE SHERIFF'S SALE This matter having come before the Court on Petition (the "Petition") of Plaintiff, Wells Fargo Bank, N.A. as Trustee, by and through counsel, Pluese, Becker & Saltzman, LLC, Rob Saltzman, Esquire, appearing, and the Court having considered the matter and good cause having been shown; ~~a IT IS, on this day of F E.`D ~' ~3Q,J` y , 2007, ORDERED as follows: 1. Plaintiff s Petition shall be and the same hereby is granted; and 2. The Sheriff s Sale herein shall be opened for the limited purpose of conducting another Sale, upon Notice to the Junior Lienor only and without readvertising or further deposit, providing that the Junior Lienor and Plaintiff be the only bidders at such Sale and that, if the Junior Lienor does not bid in the Property at an amount in excess of Plaintiff's bid, predicated upon the amount due on their Final Judgment, then the Junior Lienor's Second Mortgage lien shall be foreclosed and extinguished as an encumbrance upon the Property. BY THE COURT J. ',' ~.,- ~ r~~^i l'1.,!. ~~' ~.~ r~,L~' ~; w7vi:~. ,a .__i 1~~t PLUESE, BECKER & SALTZMAN, LLC Attorneys At Law Rob Saltzman, Esquire / I.D. No. 53957 20000 Horizon Way Suite 900 Mt Laurel, New Jersey 08054 (856) 813-1700 Attorney for Plaintiff WELLS FARGO BANK, N.A. AS TRUSTEE Plaintiff, v. ROBERT B. THRUSH Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket #06-2903 AFFIDAVIT PURSUANT TO Pa R.C.P. 3129.2 Joseph Giuliano, of full age, being duly sworn, deposes and states the following: 1. I am a Legal Assistant with the firm of Pluese, Becker & Saltzman, LLC, local counsel to the Plaintiff in the above-referenced mortgage foreclosure action. I make this Certification predicated upon personal knowledge, matters of record and documents maintained in our firm's file. 2. Diligent efforts have been made to identify all persons/entities holding mortgages, judgments, liens, or other interest in the subject premises of the foreclosure proceeding. The efforts made include, but are not limited to a review of the Court dockets and those interests or encumbrances disclosed by the records of the Recorder of Deeds Office in the County wherein the subject property is located. Due to circumstances beyond Plaintiff's control, such land records are accurate and report liens or interests recorded through the applicable "cover" or "board" date only, and it is not possible to ascertain the identity of any subordinate lienors whose interests have been recorded after the said cover date. 3. All persons/entities holding mortgages, judgments, liens or other interest in the subject premises, and as limited by the circumstances hereinbefore described, have been provided Notice(s) of Sheriff's Sale. See Exhibit "A", Notice of Sheriff's Sale. Our File #78395 4. The Notice(s) of Sheriff's Sale herein was (were) duly served upon the recipients in accordance with Pennsylvania Rule of Civil Procedure 3129 and/or pursuant to an Order for Alternate Service by posting the subject property and as otherwise stated in the annexed Affidavit of Service. See Proof(s) of Mailing and/or Order and/or Affidavit(s) of Service annexed, collectively marked Exhibit "B." I hereby declare that the foregoing statements are true and correct to the best of my knowledge, information and belief. I am aware that if the foregoing statements are willfully false, I am subject to punishment. Respectfully Submitted, Pluese, Becker & Saltzman, LLC By Date: March 7, 2007 Our File N78395 EXHIBIT "A" PLUESE, BECKER &SALTZMAN, LLC Attorneys at Law 20000 HORIZON WAY SUITE 900 ROB SALTZMAN . MT. LAUREL, NEW JERSEY 080544318 RSalrrmanrdnhelaw nro (856) 813-1700 FACSIMILE: (856) 813.1720 SANFORDJ.BECKER SRerker(anhclaw nr g PENNSYLVANIA OFFICE: ROBERT T. PLUESE 425 COMMERCE DRIVE, SUITE 100 RPlnece(Z,nhclaw nrg FORT WASHINGTON, PA. 19034 (215)546-3205 ROBERT F. THOMAS • R Thnm actE~ hcl a~=_nrr Please reply to: Mt. Laurel, New Jersey OF COUNSEL: Katz, Ettin & Levine, P.C. The Law Offices of Barbara A. Fein, P.C. • • PA and NJ Bars NOTICE OF CUMBERLAND COUNTY SHERIFF'S SALE To: All Interested Parties, identified in the Annexed Affidavit Re: Wells Fargo Bank, N.A. as Trustee v. Robert B. Thrush and Docket No. 06-2903 Property: 111 E. Pomfret Street, Carlisle, PA 17013 Please be advised that the above-referenced property (and any improvements thereon) is scheduled to be sold by the Cumberland County Sheriff's Department on ril 4, 2007, at 10:00 A.M. at the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA ] 7013-3387. This sale is scheduled pursuant to a Final Judgment in Mortgage Foreclosure -entered in the amount of $9l ,086.31 in the Court of Common Pleas for Cumberland County. Our records indicate that you may have an interest in or judgment encumbering the mortgaged property which may be extinguished (removed) by the sale. You may wish to attend the sale or otherwise act to protect your interests. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (30) days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the filing of the schedule. You may call the Cumberland County Sheriff's Department at (717) 240-6390 for the date on which the distribution schedule will be posted. Sincerely, By: ~, ~ R -a- ~ ,~ . k , i. Rob Saltzman, squire~'~ ~~ Attorney for Plaintiff Our File t178395 EXHIBIT `B" N i V ~ U1 A W N .... ~ A ~ ~ Z ~ ~ 3 m ,~ c ~ ~ ~ m m ~n~ ~ a n ~ ~ a m I t^ V' y W m AA c~ 0 c ~ o ~ ~ c m ? m 3 ~ ~ 3 m ao W v ~ mt ! 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N ~ ~~ ~ ~~trti~ ~Q~ _ ~ A fA m ~ S m A m 'p N ~ D c N n ~ /p d an D Q d m C ~~ _~ N q ~~ m_C W 00 m ~ a 7 O ~ O c =m ~ C) (/i O~ ~ 0 on a m ~ livery nfi ion m ~ Signs ure Co firrnatio ~ m ~ Sped I Handl g m = R strict Delive ~A mo Retu Reoei p I m A W N r N m 0 0 N 4b1 m O 4 ~ r~ ~"? ~ --~ S -ri r :. -' _~,, - ) -`~ _ ~ t~s~ .-- ~.-- _ w PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney LD. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Attornev for Plaintiff Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Robert B. Thrush Defendant AMENDED AFFiDAViT PITRSiTANT Tn RiTi,F, 3129.1 Wells Fargo Rank, N.A. as Trustee, Plaintiff in the above action, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 111 F,_ Pomfret Street, Carlisle, PA 17013, Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information and belief. Name and address of owner(s) or reputed owner (s): COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket #06-2903 Name Address Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 2. Name and address of defendant(s) in the judgment: Name SAME AS ABOVE 3. None. Address Name and last address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Our File #78395 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank, N.A. as Trustee (Plaintiff) Beneficial Consumer Discount Co. d/b/a Beneficial 419 Village Drive, Suite 2 Mortgage Company of Pennsylvania Carlisle, PA 17013 HSBC Mortgage Corp. 2929 Walden Avenue Depew, NY 14043 5. Name and address of every other person who has any record lien on the property: Name None. Address 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Name Address Cumberland Co. Dept. of P.O. Box 320 Domestic Relations Carlisle, PA 17013 Commonwealth of PA P.O. Box 2675 Dept. of Welfare Harrisburg, PA 17105 Carlisle Borough 53 W. South Street Carlisle, PA 17013 Carlisle Borough Sewer System Authority 53 W. South Street Carlisle, PA 17013 Tax Collector 1516 Hemlock Drive P.O. Box 128 Carlisle, PA 17013 PPL Resources, Inc. 40 Roadway Drive Carlisle, PA 17019 UGI 1500 Paxton Street Hamsburg, PA 17104 Our File #78395 7. Name and address of every other person of whom the plaintiff has knowledge that has any interest in the property, which maybe affected by the sale: Name Address Tenant/Occupant 111 E. Pomfret Street Carlisle, PA 17013 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. #4904 relating to unsworn falsification to authorities. F~>v ~ 5, 2nm PLUESE, BECKER & SALT , LLC Date / BY: Rob tzman, Esquire ornev for Plaintiff Our File #78395 ~"? -° t: J ~ `_ -' ~ ~a . -'T'1 r_ _ ~~ ~ [ ~ 5's ~ t`~ ~' C~: - ~ ; - _ -r-~ ; i;:~ . ._~ l y , e p --t '~ %~ " G C.~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Wells Fargo Bank N A Tr is the grantee the same having been sold to said grantee on the 4th day of April A.D., 2007, under and by virtue of a writ Execution issued on the 30th day of August, A.D., 2006, out of the Court of Common Pleas of said County as of Civil Term, 2006 Number 2903, at the suit of Wells Faro Bank N A Tr against Robert B Thrush is duly recorded in Deed Book No. 279, Page 2833. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ~~~ day of of Deeds Reaf~Oer d CtunbsrWid County. tAIY~, PA My t:xpiree the FMet tNondoy d Jtn.'Ot10 Wells Fargo Bank, N.A., as Trustee VS Robert B. Thrush In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2006-2903 Civil Term Shannon Shertzer, Deputy Sheriff, who being duly sworn according to law, states that on September 20, 2006 at 1325 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Robert B. Thrush, by making known unto Robert Thrush personally, at 15 Mooredale Road, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. William Cline, Deputy Sheriff, who being duly sworn according to law, states that on October 13, 2006 at 0851 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Robert B. Thrush located at 111 East Pomfret Street, Carlisle, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Robert B. Thrush, by regular mail to his last known address of 15 Mooredale Road, Carlisle, PA 17013. This letter was mailed under the date of October 10, 2006 and never returned to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on Apri14, 2007 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Rob Saltzman, on behalf of Wells Fargo Bank, National Association as Trustee under Pooling and Servicing Agreement dated as of March 1, 2004 GSAMP Trust 2004-FM2 Mortgage Pass Through Certificates Series 2004- FM2. It being the highest bid and best price received for the same, Wells Fargo Bank, National Association as Trustee under Pooling and Servicing Agreement dated as of March 1, 2004 GSAMP Trust 2004-FM2 Mortgage Pass Through Certificates Series 2004-FM2 of 1100 Corporate Center Drive, Raleigh, NC 27607, being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $882.32. Sheriff s Costs: Docketing $30.00 Poundage 17.30 Posting Bills 30.00 Advertising 30.00 Acknowledging Deed 48.00 Auctioneer 10.00 Law Library .50 Prothonotary 1.00 Mileage 9.68 Certified Mail 7.54 Levy 30.00 Surcharge 30.00 Law Journal 287.00 Patriot News 270.86 Share of Bills 15.94 Distribution of Proceeds 25.00 Sheriffs Deed 39.50 $ 882.32 ,/' ~l~~3~b'I So Answers: R. Thomas Kline, S eriff BUJ Real Est Sergeant ,~'"~ w ~~,,,,~ ~} ~ ~So ~ ~Sri41 ~. / 9'/ 9 S'.~ PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attomey I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Attorney for Plaintiff Wells Fargo Bank, N.A. as Trustee Plaintiff, v. Robert B. Thrush Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket #06-2903 Wells Fargo Rank, N.A. as Trustee, Plaintiff in the above action, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 111 F,. Pomfret Street, Carlisle, PA 1713, Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information and belief. 1. Name and address of owner(s) or reputed owner (s): Name Address Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 2. Name and address of defendant(s) in the judgment: Name SAME AS ABOVE 3. None. Address Name and last address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Our File #78395 1 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank, N.A. as Trustee (Plaintiff) Beneficial Consumer Discount Co. d/b/a Beneficial 419 Village Drive, Suite 2 Mortgage Company of Pennsylvania Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: Name Address None. 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Name Address Cumberland Co. Dept. of P.O. Box 320 Domestic Relations Carlisle, PA 17013 Commonwealth of PA P.O. Box 2675 Dept. of Welfare Hamsburg, PA 17105 Carlisle Borough 53 W. South Street Carlisle Borough Sewer System Authority Tax Collector PPL Resources, Inc. UGI Carlisle, PA 17013 53 W. South Street Carlisle, PA 17013 1516 Hemlock Drive P.O. Box 128 Carlisle, PA 17013 40 Roadway Drive Carlisle, PA 17019 1500 Paxton Street Hamsburg, PA 17104 Our File #78395 7. Name and address of every other person of whom the plaintiff has knowledge that has any interest in the property, which maybe affected by the sale: Name Address Tenant/Occupant 111 E. Pomfret Street Carlisle, PA 17013 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. #4904 relating to unsworn falsification to authorities. A~nst R,?~~fi PLUESE, BECKER & SAL~'T7MAN, LLC Date .- jj'' BY: Ro for Plaintiff Our File 878395 a ~, ~z~ ~ ~ ~ ~~~i 9caz ,, . , v .~, t~~ PLUESE, BECKER & SALTZMAN, LLC By: Rob Saltzman, Esquire Attorney I.D. #53957 20000 Horizon Way, Suite 900 Mount Laurel, NJ 08054 Phone: 856-813-1700 Wells Fargo Bank, N.A. as Trustee Plaintiff, v. COURT OF COMMON PLEAS CUMBERLAND COUNTY Robert B. Thrush Defendant Docket #06-2903 NnTTC'F (~F ~HF.RTFF'S RAT.F (~F RF.AT. F.RTATF. TO: Robert B. Thrush 111 E. Pomfret Street Carlisle, PA 17013 Your house at 111 E. Pomfret Street, Carlisle, PA 17013, is scheduled to be sold by the Cumberland County Sheriff's Department to enforce the court judgment of $91,086.31 obtained by Wells Fargo Bank, N.A. as Trustee against you. The Sheriff's Sale will be conducted on December 6, 2006, at 10:00 A.M., at the Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013-3387 or, in the alternative, at a location to be determined by the Cumberland County Sheriff's Department. NOTICE OF OWNER'S RIGHTS YnT 1 MAY RF. ART,F. Tn PRF.VF.NT THTS SHF.RTFF'S RAT.F. To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to Plaintiff Mortgagee the back payments, late charges, costs and reasonable attorneys Fees due. To find out how much you must pay, you may call Rob Saltzman, Esquire at (215) 546-3205. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the Judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. Our File #78395 You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YnTJ MAY STTT.T. RF ART.F. Tn SAVF. YnTTR PR(~PF.RTY ANI~ YnTJ HAVF, nTHF.R RT(THTS F.VFN TF THF. 4HF.RTFF'S 4AT.F. T)(~F.4 TAKF. PT.AC'F._ 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Rob Saltzman, Esquire at (215) 546-3205, or by calling the Cumberland County Sheriff's Department at (717) 240-6390 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call Rob Saltzman, Esquire at (215} 546-3205, or by calling the Sheriff's office at (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At this time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Cumberland County Sheriff on or about thirty (30) days from the date of the Sheriff's Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong} are filed with the Sheriff within ten (10) days after Distribution sheet is posted. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Our File tt78395 ALL THOSE CERTAIN tracts of land with the improvements thereon erected, situate in the Second Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. 1: ON the East by lot now or formerly of Mrs. Jennie Burbank; on the South by East Pomfret Street; on the. West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Hollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. Hollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches in front on said East Pomfret Street and extending in depth 94 feet, more or less. BEING improved with a two story dwelling house known as No. ] I 1 East Pomfret Street. TRACT NO. 2: ALL of the right, title and interest of the Grantors in and to al] that certain lot of ground adjoining Tract No. 1 hereinabove described on the West, the same being 60 feet more or less in length and depth and 4 feet more or less in width and having thereon erected part of a one story frame back building. SUBJECT, however, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. Being Parcel No. 03-21-0320-026 Being known as l 11 E. Pomfret Street, Carlisle, PA 17013 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) INTO 06-2903 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A. AS TRUSTEE, Plaintiff (s) From ROBERT B. THRUSH (1) You are duected to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $91,086.31 L.L. $.50 Interest FROM 8/23/06 TO 12/6/06 @ $14.97 PER DIEM - $1,571.85 Atty's Comm % Due Prothy $1.00 Atty Paid $130.40 Plaintiff Paid Date: AUGUST 30, 2006 (Seal) REQUESTING PARTY: Name ROB SALTZMAN, ESQUIRE Address: 20000 HORIZON WAY, SUITE 900 MOUNT LAUREL, NJ 08054 Attorney for: PLAINTIFF Telephone: 856-813-1700 Supreme Court ID No. 53957 Other Costs CURTIS R. LONG Prothonotary By: Deputy Real Estate Sale # 50 On September 8, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 111 East Pomfret Street, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: September 8, 2006 B~b ~5~~, Real Estate Sergeant 0fi ~Zi d I ~ 9f1~ 9DOZ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regulazly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: October 20, October 27 and November 3, 2006 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and chazacter of publication aze true. is arie oyne, Edi r SWORN TO AND SUBSCRIBED before me this 3 day of November, 2006_ NOTARIAL SEAL " LOTS E. SNYDER, Notary Public Carasle 13oro, Cumberland County My Commission Expires March 5, 2009 REAL ESTATE SALE NO. 50 Writ No. 2006-2903 Civil Wells Fargo Bank, N.A. as Tnastee vs. Robert B. Thzush Atty.: Rob Saltzman ALL THOSE CERTAIN tracts of land with the improvements thereon erected, situate in the Second Ward of the Borough of Carlisle, Cumber- land County, Pennsylvania, bound- ed and described as follows: TRACT NO. 1: ON the East by lot now or formerly of Mrs. Jennie Burbank; on the South by East Pomfret Street; on the West by lot now or formerly of Rebecca Demos, formerly of Noah Boswell and Laura V. Hollinger; and on the Northern by lot now or formerly of Elcholts, formerly of Laura V. Hollinger and Mrs. Mary M. Owen; containing 30 feet 6 inches in front on said East Pomfret Street and extending in depth 94 feet, more or less. BEING improved with a two story dwelling house known as No. 111 East Pomfret Street. TRACT NO. 2: ALL of the right, title and interest of the Grantors in and to all that certain lot of ground adjoining Tract No. 1 hereinabove described on the West, the same being 60 feet more or less in length and depth and 4 feet more or less in width and having thereon erected part of a one story frame back build- ing. SUBJECT, however, to such re- corded easements, restrictions and conditions that may apply to the aforedescribed tract of land. Being Parcel No. 03-21-0320- 026. Being known as 111 E. Pomfret Street, Carlisle, PA 17013. J ,. THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regulaz daily and/or Sunday/ Metro editions which appeared in the 25th day(s) of October and the 1st and 8th day(s) of November 2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION ............ .. E1~. .. ...................................................... COPY Sworn to d ed before me this 15th day of November 2006 A.D. SALE #50 COMMONWEHL7H OF PENNSYLVANIA Notarial Seal Terry L. Russell, Notary Public City Of Harrisburg, Dauphin County y Commis ' n Expir June 6, 2010 /Me hAr ^n,-~ ,i,,,,.;,. ~~, ~~+~nn of Notaries NO ARY PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013