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HomeMy WebLinkAbout06-4154MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE ATTORNEY I.D. NO. 80193 401 ROUTE 70 EAST, SUITE 100 CHERRY HILL, NJ 08034 NOVASTAR MORTGAGE, 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANT COMPLAINT IN MORTGAGE NOTICE CUMBERLAND COUNTY DOCKET NO.: OIa, -?IISy C/O L-Lv? You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this compliant and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the compliant or for any other claim or relief requested by the Plaintiff. You my lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUR WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 FOR PLAINTIFF AVISO Le han demandado a usted an la corte. Si usted quiere defenderse de estas demandas expuestas an las paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notiticacion. Hace falta asentar una comparencia escrita o an persona o con un abogado y entregar a la Corte an forma escrita sus defenses o sus objeciones a las demadadas an contra de su persona. Sea avisado qua si usted no se defiende, la Corte tomara medidas y puede continuar la demanda an contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandato y requiere qua usted crumple con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades o otros dereches importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE AHOGADO O St NO TIENE EL DINERO SUFICIENTE DE PAGARTAL SERVICIO, VAYA EN PERSONA0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE ATTORNEY I.D. NO. 80193 401 ROUTE 70 EAST, SUITE 100 CHERRY HILL, NJ 08034 (856) 429-5507, ATTORNEY FOR PU NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANT COURT OF COMMON Pl. CUMBERLAND COUNTY DOCKET NO.: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is Novastar Mortgage, Inc., authorized to do business in the Commonwealth of Pennsylvania with its principal place of business located at 8140 Ward Parkway, Kansas City, MO 64114. 2. The names and last known addresses of the Defendant(s) are: Christopher M. Neal and Michelle M. Neal, 295 Smith Road, Shippensburg, PA 17257. 3. The interest of each individual Defendant(s) is as mortgagor, and/or real owner of the real property subject to the mortgage described below, or both. 4. On or about May 28, 2003, Mortgagor(s) made, executed and delivered a Mortgage upon the premises hereinafter described to Novastar Mortgage, Inc., subject Mortgage is recorded as follows: Office of the Recorder of Deeds in and for Cumberland County DATE OF MORTGAGE: 05/28/2003 DATE RECORDED: 06/03/2003 BOOK: 1817 PAGE: 2899 5. 6. 8. 9. The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. On or about May 28, 2003, in consideration of their indebtedness to Novastar Mortgage, Inc., Christopher M. Neal and Michelle M. Neal made, executed and delivered to Novastar Mortgage, Inc. a Promissory Note in the original principal amount of $100,000.00. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee or the legal successor in interest to the original Mortgagee. The Mortgage is secured by property located at 295 Smith Road, Shippensburg, PA 17257, which is more particularly described in the legal description attached hereto as Exhibit "B" and incorporated herein by reference. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due April 1, 2006, and monthly thereafter have not been paid, whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. The following amounts are due on the Mortgage: Principal Balance: $98,719.68 8% interest from March 1, 2006 through $3,017.67 July 19, 2006 at $21.57 per day Total Fees $52.50 Late Charges $132.39 Escrow Balance $1,028.28 Attorney's Fees and Costs $3,364.50 TOTAL AMOUNT DUE $106,315.02 Interest continues to accrue at the per diem rate of $21.57 for every day after July 19, 2006 that the debt remains unpaid. 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, and any other lawful foreclosure cost and fees expended by the plaintiff. 11. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the sheriff sale, reasonable attorney's fees will be charged. 12. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, Notice of Intention to Foreclose Mortgage, Pursuant Act 6, 41 P.S. 403, is not applicable. 13. Pursuant to the notice provisions of Act 91, 35 P.S.1680.403 (c), Plaintiff sent the Act 91 notice to Defendant(s), Christopher M. Neal and Michelle M. Neal, on June 6, 2006 attached hereto as Exhibit "C". 14. Defendant(s) has failed to cure the default and Defendant(s) has failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 15. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "D". WHEREFORE, Plaintiff respectfully requests this court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph nine (9) of this complaint $106,315.02, plus additional fees and costs expended by the Plaintiff in payment of taxes, sewer and water rents, claims or charges for insurance costs or repairs and any and all other advances hereafter made by the Plaintiff, pursuant to the rights and privileges granted under the terms of the subject mortgage, and for foreclosure and sale of the Mortgaged property, plus 6% legal rate of interest, from the date of Judgment to the time of sale. & MILLER ROBECUSICK, ESQUIRE ATTORNE I.D. NO. 80193 VERIFICATION The undersigned, Robert W. Cusick, Esquire, being duly swom according to law, deposes and says that he is the attorney for Plaintiff and that she is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: Attorney for Plaintiff Exhibit "A" ??(?a,nn^?j 7, Ll?CLEP, ",OnDER OF rEED'o :ti'ERLdND CCOOUtlTY-? f1 .) 1111 U VZ '...J 41.1 A.[ter Recording Nature Tor BOVAW= MoRras01, Z1c. ASHt COW092" CONTROL 6150 Cron TIOaI BLVD. 31tD MOOR =201 "o, ON 6131 2111s order No.. X363125 Raosa? NO.t 9317125 LOU ?1 63-216521 lapacrrAlrweThM lAN Pon Reeottl4p arr.L WKW"4E rM 100060100032165210 DERNMONS Words used N mulliple sections of this document am delned below and odw words ate d4nad in Sur WM 5, It, 13, 18, 20 and 21. Certain rules regarding the usage of words used In ft document are also provided in Section t6. (A) "Seauft lnaerunsonr means Ihla dowmant, whhh is dated Nos 28, 2603, logalhr wiffi al Rldera to 1Ms document, (0) *SWe wQe Is cluaftoaNSa x NsaL 2ND NxCUM&M N W"'. (C) 'MMIr is Mortgage Electronic RogWradon Systsme, inc. MEAS le aseparate corporation that Is MingedAAYasanomineeforLenderandLaxWSwcosseasandassIgQnns.SUMbtlve -to as undellre" Ally buNoneft MEM Is organteed and ale *q undrto laws of DNrware, and has an addraee and aetaphons number of P .O. Smc M RK MI48501, 6, tai. (Rea) OMMEM. (D) eL WKW Is NOVAMMR M tn, TIC, PWMYLVAML%4W al?FwrJtt.Fewee W WrhmM Yea UN RM I o ro" ll, onb. txa,..?e? ana Page 1 of 16 Bt 1814PG2699 =altsaa, u mMfj heweMilm P3NSOM PAIDODL 0211 05-26-2003 7.27 9E/BT 39tld 2l3LIF10tJ 1Itl9 b640L81LTL L9:91 906L/6T/L0 LOM lit 03-216521 Lander is a COMPOp"loa organized and adallng under the taws Of TMM ADVAMM or VIar3IMIX. Landses addraw Is else oats TIKIIIII BLVD. 32D rt oostr CLeaRLAMD, OIIt 44131. M °Nab" mew the promissory note signed by Sonowar and dared PAT 26. 2069. The Noe states that Borrow owes Lander a•++?+a••rpm amain Tgovam No go/Loa •e?ti/tNlrtt?.????w+rrr????+?ra?r*Hi?a?.p OdOarspe. $100,000.06 ) pkw Irersat Sorrowerhas promised to pay this debtin regular periodic Payments and to pay the debt n 10 not leer MrMI JUR 1 r 2033. (t) "PcopWmown Sheptopntythatfadesaibedbelow undwtlwheading gb wterofHighbindie (fi) *Loan' means the debt widanced by tip Note, plus Mrsreet any prepayment charges and fate chwga due radar the Nots, and all sums due under lifts SOKAy Instrument, plus ntwost p? •Wdwa" moms alf Riders to"Seourk ltgpumenttfiat resxeoutod by 6orromw.Tha toaow n " are to be executed by (otradt box es appliCablel% MAd)m t We Res RIdw Gcdomatium Eider EaSecend Honor Rider O edoon War o Planned Unit DawiopmwA Rldw oawr(sl lapedltyl O 1.4 Family Rider p awasidy Psymeat Rlder Anomi m To Am ram, Pmmt rslrt MID6R LW means all federal, stab and local statuses. (.q "zLemraredlY Aaaodidon f>--U9% Fees, and As soMM V means all dues, tees, ass0samettts and other charges that are Impcsad om Bcnswer or Via Propwb by a ocrrdar in4arr aseocMdiar, hdmaoaaren aswoNttlon or eimgar orlon. drs& or similar paper hawnlank which a kftW enough an alsaarie terminal, Maim= simu larlt, w UML such term it s, but it not Wind to, poh4ftla VWWM, aumma0ad tales meONVIS trarsao6nts, iratalets Mritiatsd by taMp?rorr, wire trata6ars, End MMomatsd aNMitrghause translers. (W Moscow term" nears those isms that are dworibad In section & (lu) "MlasaNearaoua Pnmm* s" means any ownpwradon, settlement award of damages, or pro- owds flakd by any d" party OW than insurance preooeds paid under the cprerages daMOM in Section 31 for Q damage to, or destruction d, tip property: (% awderanoll l or cO w to ft of all or anir part of the emissions as to?Vek anWa cardi6om of the property. : Or M misrepresentations of, or (N)'yNsrigageInsuraso s"breamkwirnceptutsdingLenderag instttwnonpayment of or default an, tip toss. (O) •Palodk payment" moans 0» requ" adioduled smountduefor (4 primdpai and interest under dd4 NOM p1W (IQ any amounts Under SOOtlOh 3 of ft tTaCaRy Mort wart. (P)'RMA" MOWN tip Red Estate Settlement Proceftes Act (12 U.S.C. 42607 et seq.) and its ImplOmantlng requiallon, Regulation X (24 C.F.R. Part 3500). as they might be arnanded1fom time to Initialer kurw Mmr3 Par/layLYAPM anwAFgMy-NenMW4Proaa*Naoumr*MalaTFKMNW rwasassim a low-Was onow baau,nvea 4w. Pape 2 d 16 aA®aa. 05-26-2003 7r2T BK 1814PUG2900 SE/II 39Vd 838HIPS lIG9 Z0h0LOUIL ZS:9I 900UPTIL0 l.OAS it 03-216021 time, or any additional or successor Wdon or regulation that govsms the same subject hatter. As used in Cab Security Instrumam, •RES A• raters to alF"Innnente end natrfetbns that as imposed in regard t0 a loderally related mortgage ban" even if the Loan don not qualify es a'fedw* related mortgage best tender RESPA. (0)"Successor NInterval ofBorraww'meansanyparty thathastaken bletotie Properly, wl or or not that pasty tie* assumed 8o vAWs ablgallons under the Nate and/or this S00a kWbWm nL TAANBFER OF RIGHTS W THE PROPERTY 7hr 9egsigr ka9umarttaeouresto Lender: (p to repaymerntoffta lnan, and al reirowab. mad4pn0aw of the Note: and El the psrfamaroa Of Bommwa"e *XANWrb and ameen Sawlty iwlnmodand ft Note. Far Cispmpos% Bamasadwa hereby m orlm ,grad and aarway so MERB ed y as nerrrWee to Leda and larder's suoca ssss and assigns) and to iw suoassors end assigns at MERE tlms toloarir>0 deecdbed properly boated in the rrW*dRseoafiytAridommlof COUMII JNWWofReaardlpJudedrnoml: awpman ME Lapp tmFORRED To IN MIS C010111 neare 10 BZ"ATM Is C194M JM O00 ff ,f mmLv3mzk AND DROCRIBIS as PQLraatar 395 61t2S8 10W Pale 90MOaIPr CASSWAUD CDUaTI, SM S OF PMM*LVANIA. AP #1 3I-11-0700-e23s Whidl dsrently has the addrn9 at 299 fX= ROAD, seiPPRi XKW, tsawq luf Psnneyfvanb 17367 (•PropartyAdatroals'j: r4 coded TOGETHER WITH al the improvema ms now or hereafter waded on in property, and as enan ants. apputtemovor . and Mures now or haeatler a pat of On properly. N rapboanarb and addil"m atoll also be ocvend by this Security lmfrumant N of Cms forsocing Is retailed lo in to Security itebument as Ca 'Property.' Swrawer utMersbrde and agroa Caul MEAB hcids only Iegal dde tonne Interests granted by Bmrowerin lets 8adlmlyinstrument but Inecessary to cmnplyv fth law Or "Wet MERE ere rnaminw for Lander and Larder's successors and ssftw) has to do* to amarclss any or al of Moss i besm, krdtagng, but not kMW to. the ft" to tcredosa and sap the this yandtobftWyno5onregatredofLenderinduding,buinctimitedfio,tvNasingandcancelft BORROWER COVENANTS that Borrower Is Iawfuly sebad at the estate hereby conveyed and has the right to morvage, grant and OwNey fhe Ropelty and vW Cna praoptl b tewwun*ww a mw forenoumbraheaeofrecord. Bornywerwa ulsaWWNdslvnd CatitlatothaPraprotyagakst all claims and demands, subject to ary encumtaancaaa of rsocrd. IalClalsr ILWov I+xvYn,s P04IHY1.YWA'01era rwmaY"gmN ns.,s-,radr. Yao UteFORM s191atlaEM Fsaae saes tan a eamemn on"nccanwft ana Palls 3 of to PASOM 09-20-2003 7%27 8X 1814PG290I S£/ZT 39Vd d32JM IIV9 Z0b0L0ZLTL ZS:91 9082/bT/L0 LOU fit 03-216521 THIS SECURITY INSTRUMENT ccmblim untiorm coverepts far nationd use surd nonuniform covenslntsw iii Itnltad variations by Jurisdiction to constitute a unlorm security instinmontoovering real property. UMFORM COVENANTS. Borrow and Lender covenant and agree in blows: 1. Payment of PdnaIpat, inteir"t, Esorohr Ibme, Prepeymart Chwgee„ and Lae Charges ftrowersawl pwyw m due tho principal of, and interest on. the debt wlderasd by the Note and any prepayment arm" and late charges due under the Note. sormwer shd also pay lands for Escrow hems pursuamto Section s. Payments due under We blots and this SocurW Ins Wmsmahd be made In U.S. currency. H&Aww. N any check or other Instrument rep(ved by Larder as payment under, the Node or this Security Instrument Is febuned to landau unpaid, Lendr may require that any or al subsequent payments due undorthe Now and this Security Insbumantbe made to one or mare of" tclovvkg forms, as selected by Lander: (a) QW. (b) money arch; (c) cartlied check, bank check, heasurves drunk or cachet'a check, prodded any such cheer to drawn upon an institution whose deposits are insured by a federal agency, Instrumentality. or entkr, or (dl E3wb at In Funds Transfer. Payments are dented raceNed by Lander when received atthe location designated in the Note or at such cart bdaton as may be designated by Lancer In accordance WAb the notice provisions In Section 15. Leader may return any payment or partial payment 0 ft paymara or portal payments era Insufficient to bring the Loan current Lender may accept any payment or partial payment hsuNcent m bring the loan current, withoutwalm of any rights herwder or prieNdioe to Its rights to Muss such pay w- orpardslpsyrrwdsinthefuture, butLander aratobligatedtoapply such payments atMe lin a such payments are accepted. Ifesoh Pabrtio Payment isappled es sib scheduled duo data, Man Wdr need rot pay interest an unapplsd flaws, Lender mayhokt such urnappled funds wisp Borrower makes payment to bring the Loch ourrerL N Borrower does not do so within a mosionnble period of lkns, Londay shall either apply such funds or mwm them to narrower, tint appied earlier. such funds will be applied to the outstanding prindpaI balance under the Nab immediately prior toforeclosure. NoattestordAknvddchpo awarmightiwvenowwinthe future against Lander shal slew Bofmwr from making payments due under ova Note and thes8aeu qty Instrument or prermi g ria oownants and agreements soured by this Security 2. ApplsaMett of PeyhnerMs or Procseda f3ocapt as oMeawise described In da Section 2. el payments and eppltadbyLernderahel be applied In tire tolowingondarofpibrty: (a1 hrorort anon be appew Wei to ate enarges, second to any other mounts due under tire Security Instrument and than to reduce the prNvtipai balance of the Nobs. M Lander reoskm a payment lmm Bonovrar for a dobuWM FwWk; Payment Which hctrdes a sulleent mountb pay shy Isis cha+rrgge?disc, tic payment maybe applied todw ddrn*mo payment andthalstaehrge.IfrarothanrnePeAodlcPaymentlacutsending,Lander nnent recohrad tram BON~ to the repayment of the Periodic Payments 1, are 1=099=1 Koh payrnsntanbepaid IntuLTothewdmtMudanymanexists starte paymeniaappI tothefull ppaayymment of one of Man periodic payments, such eri an may be eppled to any late dhrges due. tiny prepayments *M be applied duet io any prepayment charges and than as described In the flots. Initials$ Q'Ma7 mn m.J PltlMnrWwfan-Magla PW*-ftrdk Maa/FrsedY Mat UNWOmr OXTRUMaNr Ferwsanlin e+sopbooeore»Dwn.n.saed Para4of1a PAMMOL 0e-29-2003 7.27 BK 1814PG2902 GMT -Md d3H-K38 *1TVD Z060LBZLTL Z9:91 900Z/7T/40 LOU oa 03-216571 Any appecagcrt of payment, insurance proceeds, or WOOSUrwous Proo¦pds to prktoipr due under the Nate vW not adtnd or postpone the due date, or change the amount, of the Pwkx k Pats, 3,Funds for Escrow hens. Somower shell pay to Lander on the day Periodic Paymoms sn due undrthe Note, and the New is paid in ftai, a sum (the "Funds') to provide for p of smotatta due for (a) tans and asseetmanb and other kerns which can ,chin priaky over th Baotrft Instrument as a Ron or encumbrance on the Property; (b) Wasehold paymenib or ground rarer on &a Rrcpaty, p su (r cane prarrdmums nerrytur bye b LanderNu' a< rre p of Mor6gag.tnarrana.ptwNumshaooordartaswifhtiroprovitionsd t3ectlott 10. ThMSlbma lee egad Escrow fterm ' At orlphriwr « r any thw dfrktg the teat of site Loan. l andtr may roquws that Gonrrwnky Assodatloer puce, Paea and Aw?antartb p airy, bt wenovrad by Borrorrar, and such dues. fees and rasecemlenb chap ba an Easnow Iwm. Borrower shaA ppnnaarr?rpplif! nmidt b I?rrder AN notices damourasbbs pak! underthpstdlon. Borroweratwppsy LertdarlhaFUndsEorr Eacrotr trams unlassLandrwslYMDorrowa'tob bpsy theFundaforarry«dlEacrwibms tsndarmey watvs Borrawar"s obpgadan to pay to? uF nds for ary «att Escrow Rant at any tkw. Any wolr waiver may ony ter rr wane. h the arerda such water. eorrosror shay pay dltaotly, when srd where payable, dwamounb dwforany Eseronr klemsforwFdolt paymleatof Purrdahas bean waMrad byUnder and, k Lander requkele shah fwnNh to Larder tleaigrb avlderrohg atrcit paymatt vrkhh auah time ptrfod w Lender nrgr ragWrs. BonaNSt". obpgdion to make each ?ymw? and to prov>tie nsoaipts shapiFwap purpcew Mdsernsd tobaa aavoneru nd agraemantoorrbdMd inthbtlreari{ykw4umsrd, ao rM ppt!vvaarsee "oownant and agnarwri" is waled h 8sndlort 0. M Barrorrar b b psy Tzarow kartadisGy,purewrttbawalvr,and9ott+oWerfapstopaytlrsemountduttoran krm,Lrndar u sy Rio tiy?hebpauYneNr tioatlaatntyi and pay auah amotrd and Borrower chap tlrwt M obpgawd or all Eaworr lbmt at r,y Wr by a noNoa y(taa in ax«danoe r?wigt 9er.?on 15 ard, upon wdtmiwootdion, Borrower shag payto Under all Funds. and in such amount, that am then roqulrod tndr tltb Ssatlort 3. Landermay,stanytimeodlootandholdPondsinertamount (a)vAderatupermittardericapply the Funds at the Wft spsdpadunder RWA, and fb) nab exceed the ramilmum tnnou t0lender ea7 require under REBM. Under slap ssrim.w tlts amountaf Funds due on rtebadt of ourfantdal s and reasonable atmaMs of vVendkrae of h urre Escrow harts or ahsrwiss in sooordertca wkh AppIcable Law. The Funds shay be held in an hakWUon whose deposits are hauled by a Moral agency, «entley (Including Under. if Lender Is an hs>Kutbn Nhowdeposb am oo hatred) at in my Homo loan Ban L Lardr shall apply the Funds to pay dw Escrow now no law than fhetime spaollkdwKisrREWXLeader shall notcharge Borrower twholding and applying dwtVrds, an u the hiarss<nrt dApttpoaWalawpsmswlagndertomrdtasudtaeharga.iMtfeegnamlent is made h j:" o r Appbe W qr Bcrrawsr any brawl or ttIRlCgs art Ihs Funds Horrorrr and L Mttlat can a0rw in vrdtlrtg,horwwr.ttrrakrbrtttshtllbspaklonrteFwrnrb Lendershapgiwbl3orrewler,wkhatrtGlarpa, an annual aaarndng it the Funtls n ngWrad by REBPq It them to a autp d Ihatds htld h wacw, w delkwd undr RE9PA iArtdor ahd aeootrtt to Bonoarorlbr lheamassfunda hnirncewilh RCAF IL ltthero is a sharospaof FUndo trsl? 6taaprpw saitiai¦r NqN nrlrYll? rerinsYLVAlaa..Bigls Fos r 1w+¦MssA'nddl•wouwrOMYtwmaaeNP P¦rmtmauler O logo --= on** oaemnnnr, b? Pape b of 19 PAMML 05-25-2003 7x27 OK 1814PG2903 5£/VI 3JVd 832&M lIVO L000L0LLIL SS:9T 90@Z/VT/LO' LOU Nr 03-216321 as defined under RESPA, LandershaN ndry Borrower as required by RESPA, and Bwmviw shat pay to Lender the anwunt neesseay to make Up the shortage in accordance wgh RESPA, but In no more than 1E momhly Nthere Is a envy of Funds held in escrow, as dulned under MMM Lander shah nodly? ore required by ESPA. mid Borrower shal pay to fader Im amount necessary to make up the dddsncy In accordance WNh FMPA, but In no more than 12 mm ft paymwft Upon payment in tug d all sums secured bythls Saawrity Inshurnent, Lender shell protrgrry refund to Borrower any Kinds held by lender. 4. Charges, Lana Borrower shall pay as tonne, assessment, charger, ores, and wwasIMS athtbutable to tree Propenywhich an a" i ovaf tHs seaurdy Instrument k+trsltdd psymerite or ground rents on the Property, N ar% and ommunNy Associam Dues, Pea, and Aeseammb, M WW. Yb the extent that thses Name am Emnov ham, borrower shah pay them In do manner praefded in Sedan S. Borrower shag pranpdy dmdrarge any gen whloh has pnodty over Ntis Seeurky tnstrurnent unless Borrower: W agrees In wdrag to to psyvwd of the cbk4 secured by dw Men In a manrw aceeptabletoLwKW.butonysok inSommer ispwbnTMsuch agresmew b)eonMsbtheflan in goep faNh by, ar dekttds tigafnet ettloraement d the Ian n, ? t?? ? ? opinion oparale b the eMOfoBlYaxd d the Non whM those untll sudt p?r• oaxaWded; a (e) sarnses tram N+e holder d the Men an sgrevrnerw sattstaemry to Leradar Wbartlkrarng the ran b tda SaoUrNylrrstrunxent K tarider dahrmttMS that any paredriePropwlyBaub roalenttdwGraanagtwtpdorNyawrlhN mewmetw,lwafartney yylvs 9orroWer a notice ?+M Mte Nea. yYNlrn to days d the date iqt tlrt ndles la given, Bdnrdaer ahaN a>dlsfy tFw Non or take ores ar more of the actixnrs eat lash above M t1M 8srslon q, tender may require Bw~ lo ra am cordon wgh this s Loanfor areal estate tax vaimasan and/or rapatng sw*e used by Lender in 6. propeAylnauraneaBortavrerattaMkeepth4tmprdaernenbtwwaxds6ngaherMNaroredW anlheProperynsaaedatgegtatbabYM4hazardakitlrdadvdNtirlhaterm'endeneledaorerage; and my other hnards dlud?q. but net gmNed ?, aerttgwkee and lboda, for vxAtkh Lander requires Msurartce. Thh Inwroneen aheN ba mslnfaknsd In Nts amormis (krdudng dsduo?lek+vels) and torme pedode that fonder rsgttfrea aNwd Lstadsr requYw pursuant td Nr p sertlsttees asn ahettq. dudngN»tarmdlMLoen.'ThalnewsnoseaMerprdvldingllwNeuranpalM badtwsanbyganowsr srbjsd b taredet's dgM to dM.ppoNe Btxtotysle drakes, vrtxlofr dght sltaN net be s>mn>ised unrwanabty. Lwdet may requtta Borrower b pay. ti oonrtscNon with tics Loan. eiNtsr; pa a ms-Ilnw dohwarggse for flood mne datwrnlnatlon attiMeatott and Veddng ssrvbea; or (b) a onto rxn. charge for Aoodmna deverveInaNon and oOtlNkaddrt MVIOea and ObsequentQV m asoh tree rwoppmp or sanflarehangesoocurwhkhreaadnabymigMa ffedsuehdowmdnatloncrwrNroa lmL Borrowarahotl also be responelble for the payment of very ores imposed by 1M Federal Emwgwcy Marwlgemant Agency in eamedon whh the tsVaw d my flood zone dahm*atlon rasub g from m ob)edion by Sondwsr. V Borderer falls to makwakx any at the OW" m dNatbed above, Larder may obtain insurance c?rVs. at LAnder's ggon and Borrower's wgranse. Lender is under no ame"m to purchase any Pw*ullr Bor?oweramwntcf Oummge.lhanebM such cowregeshtl oowrLender, MXmlghtormt " Borrowers equkyln the Property, orthe contents dthe PPmtoppwantWy, spN hazes a lwmy and might providewodw ar Iaeeerodwww gemwas p eviunwlyin e1et?Bayrower acknOW49dges that the cost of the Insuranroe ooverege so obtwned might slgnlfipstMy tteaost IoLSielar n1xJ Pt9agMWAMa-S}pyFsniy-PanYa l4slFesdOM Map UtpFOmd WaTAUMCM vorn aces law o rasoasoa o en. poas,r ra Ma Page Bat is p 65-20+2003 7.27 BK 1814PG2904 9£J9T 39Vd 23d-ma 'tIVB ZOVOLOUtL Z9191 980Z/PTILO 1 sr 05-116521 of insurance tart Borrower could have obtained, Any amounts dkbursed by Lander underWs Sactlon 5 shag becoms addtionei debt d Bornww sacurod by Oats Saotrity kybumant Thews amounts shag bear interest at the Note rate fran the data d dist%me nwa and shall be payable, with such Interest, upon notice from Lander to Borrover nqueaWig payment rigft to dhapprove such Policies, montages and/or as an additor rahsrval cartltodes. if Lander rs promirns and mwow nodose. i "I red by Lender, for damage t ttnonpage douse end shall mime In the event of lase, Borrower maymakepmdatlou tndmadi In wrung, any Insurance proceed ensure the work has been lose Lender shat 1 any farm as untl lender has had an to Luhder's satsgsodah, or in asedes of progress peymwits = the lvork is oempNwd crApplia" Lewmquirss hisraatb bepeld an such khnaam to pay Borrower 71 Interest or own" on such proceeds. partn, rothhInad wsr alhsi not M peld out of tlha iS obligation of Borraevr, If the restoration orrepekisnotevonon 09lesssned, theiauanaprhxeede shag beappisdto then vtw M ter or not Onion due, vnth Me excess, t applied In the order provided for In Section N Borrower abandons it* properly, tan dwm and rotted matters. M Borrower doss the insurance ow'der has offered to settle a c 304ay Psdad Will begin when the netesIs under Section 22 or otherwise, Borrower Insurance proceeds in an anwrahtnot to so Instrument, and (b) ally other at Bohan nee prernfu ns paldby Borrowed hmdsrall halm or not than due. residence witift 60 days Mar Oro ec Security lmyft# In wand soda anyy awiaMs Insurance days to a n% =tom Lender that then Lender may negodals shed soft rie ddm. The t. In eltrer evem, or Lf Lender so"kes the property ly assigns to Lander (a) Bortawaes tights to any ter MMM unpaid under tea Note or dub so" 0 (Sher then On right to any refund of unnamed oogobemvonnydnaProperly.Insaterassuch rights der may ups Ow Insurance proceeds ~b mpak under tss Note or tats Security Ihatrumethb whether and use the ? avrerhme agrees In wFMr , wMM consent shall riot be urn extenuating drasnslaatoaa wrist which ace beyond Borrower's =nboi. 7. P"wwvatc%MdnwthanceandProtastn.91"PropeoI;M destroy, demage or Impair the Liopslty, slow the property to fabric O fa00eoaa M*%Tnd D sea W Want eatnhlllCnr Page 7 of 16 'a principw b occupy icy, union or unless Penssna.l3onowwahai not ate or commit waste on the SgMOIAs C&LW_MrnU raft Sae 7,eh 05-2e-2003 7h17 OK 1814PG2905 and shall awne Lander as a the da M to told pown end 9W to Lander all raaelpts of paid Insurancee towage. trot 0meradw such PAYShagIMCk oesandard i an addlikad Ions Payee. eorance oa7W and Lends. .antler ot such propatir to Inspection shell be Ste On aabaft6wdtV xrhrrfaeproamtateal net bs requied for pubic adpd&3, oro#w WM r0 macesds and shag be the sole why. pvd In gatower. &xh 2 SE/9I 3Jtld d3WW -lIV9 ZBb0LOZLIL ZS:9I 9802/tT/L0 7.0ss #r 03-216921 property. Whether or not Borrower is residing In the Property, Borrower ahd M%k takh the Property in order to WWAM the Property from dotadoratlng or doweasing in value doe to be aendidon. Unless it Is datennined ptam, ant to Section S that repair or roalaratlm Is not aconankaly fas@IbK Owdvmr ndea promptly ropak the Property N damaged to avoid tudher deereratiorn or d sn"ar M Insurance or condemdmptawidsompt4dinconnecd=114hdanegam.oratetW&VOf,gro MPWIBWFQ%W SWbaresponal armpalringorroatotlagaePro pPa'c*KLanderhairdeasodproaeedMforsuch purpoaes. Lander msy dieburao proceeds for the rapava and reatomilm In a sir gle paymm or in a seiner payments asthewo*isoampisted_0dwkiwrancear?nProceeds are na t to repair or restore the Property, Borrower Is not rdiawd of DOMIA r'a ebNgaOon for the eompletlon of such repair or nat0raaom Lars!" or Its agent may Lemke reasonable entries upon WW 4upeole m of the property. N It has reasonew amuse, Lender may alapect dwimli riororew kTgmmw enb rs1#w Ptop"p/. Larder sw gh e Borrrarrsr nogoe at the One of or prior to arch an Inewiar khmpeden spark" such reason" WA6. a. Borrower's Loan AppmomftL Borrower shalt be it dafawN N, dakhg dw LAen appiratlon p?ro0ceOa4sss Borrower ar any paams.ar aMgea acting at the diractlah of Bcrtovraf of wttlt Bcnowar'a dae or consent gave msbru#y Was, miseadktg, or Inewsata Imlorrrhasm or G%wK ehb 10 knevad Lander (or felted to provide Lender vAth material h b adon) in comecOm wilts the Loan. Material rearwanlrtlonaMOarde. bW menotlindladb). reprwanWbnsOonceming Bonoaer's occupanryoHhe ee 9. Pro if (a) Borron ahem is a to, under file I torlslthse, It lava or rap whdavere Security Ins or mooring 's principal rasidonce. f Landar'a Inssred In 14wProparty ¦ perform theaovenrda and agre arm V rdbgthat m%btApdamemsy aftot rsfoment (such me a proosedli g In rem tofu Ionwhichmaydubptf0t# or (c) Borrower has abandoned the Prhichh. L w mays' Ise am Include, but are b Intoned in Ins erect in *w property and/or rights y, ptdn* for conder madon or SaaaRyhatrunumortoe"llc o then Lander may do and pay for sums F; '7 btnh notlkn bdto, anbfigaw ptopwtytomakempwm dsngebcW rspmm orbo" tip doore aria WhIMO, dodo Wdw* m pipes, Q*nWA btr6dbg or other code vlda0om or damomm oondlttom. and have uft%s turned on or 00. Although Lantl"may take action under the Section 9, Lender don not how a do so and Is not under any duty or ob%dm to do ao. 8 is sgre d that Lend" Incurs no MbWty for not t kIM any or all acflone authorized under gte Section % Any arnourds disbursed by Lander under this S"m 9 shd beooaw add%WW debt at Barrow" secured by tlda Saeu ft b Ieument These amounb ahd bear Ird - ,t G ION Neterab from the date of 4WXnWnwg and ahd be payable, with such hweA upon moon hum Lander to Borrower Security Matnlmom Is on a lessehotd. Borrower shat Ow" With all the provolone of the lease.Swfc GrrWMnotsuhrerrd"tholesseholdestate and' darasbah"sMhorMneyadorUtndnate or conoef the around In". Borrower shad not, wltltaut me e*nm wrmmn resent of Lend", abler or amend the Ground Was. N Sarreamr aWuhs tae tithto the Properly. Vw la•adhold and ltw ea We steel not merge unless Lander agrees to the merger in writing. iaitIm2sr N fnmAj iBa1dYLYANA'6i,ar RpMr.?rrus eaaFa4ar Use UwK MtlNa"U%WlttT fonaa0e IM 010eoama0nNWoawx..,ft WA pallsootta Mm80L 05-26-2003 707 8K 1814PG2906 GE/LT 3JVd P1321re)a Im 60h0LOZZU Z9:91 900UPT/40 M Morwo" Ineueana. tr Loan. Som morshellpaythapren redoes themortyapokmemosc insurer that bmvWW crwldad a Cost aubstmr4ally 6quMelont b the ooetto IN hom ananemsbmoApegaMnurerasNatsd by mowarage Is not awdlebM. Borrower rattan can designated paymsnto that wars due mRwn the accept. Lao and rataln three paymwtts asa na Such lose m wa shall be non rolundable, not lull, and Lender shall sot be m p*od to pay 8 lerndercan nolonowmoutrekn reserve sawn W" is 03-216721 Ma"s Inaurana so a mOn fion Of making the maintain tlw Mortgage Insurance in efhct. K, for any byLondarceseostoWnaAabMhomtfinawrtga e and Bo ruwor was mqulrad to make o the i to ft Mort" Insurance pnubusly l at alfinetat war of the MortpeQe Insurance prwvkx* In 6064 War. 9 subet -w"' aqui -a . mor4pp u mnos is In, pay to Lander the amount of the *a~ mm coverage aeoad 16 be In *We& Lenderluim fund" loan rmmw In in Of ore lnstaanoe. tebndfnq Mno Neot Rtatilm Lomale t S6My paid In armor any Interval or srnkW at such loos reserve, Is mbalned, and Lander requires mepwo* AeWrAwd paymsms toward the cvcn na for IMSrpaga Insurance. MLanderraqui ed MortpagaUsyrnlao auxn0lRan ofmWM the Doan and Bwmwwwes mqukw to make separately designated psymenb boom the pwmitm for Mabmge Insurance, 8orrowashall pay the pramlumm requiredtomatnWn Mlm%epUaOranceinmill" afopmoldearton- raturndabh lose carve. wM Lender's roqummsat far Mortgage Insurance ends in scardence with b r@qL ragtdrmd W by AppcantRobeable Low, . Nothing hIng h In RNa Section 10 eon 0 Section10 m atleets cb Boerawvwewr's odm t pay interest h byA At the rats provided In the New. MQFWVburanomr*"hm sLender(oratywiftlhotpumhosssMe")forcortminbo sRmay Inca I Berromrer don not "my the Lean as eared. 8 omm Is not a pwWto to Marwv htaesanca. MortgageInnaa+s evalamhfftaklcW ftkan all such lnsurmomkiloro.tramftetoem, and may order kdo agmernents wqh Other gentle that share or modify their rblr, or redums Ideas. Thos ognmovie b. Theca agroorm rds rniy regnira ffw-mert"m Insure m melts oursof1routhat rmania).securermayt+evomVmM W tmayWwWde Mortgage Inauuana prermkxrny. anY ?+ar w,n?y, a otaay ottM fwoyoMp, may r.ealve (direOtyaIndMaol?q aeetouerb tlrat exgtan?gef(txrrs? adtrsotxusd as) a paribtt of ffonawsr'a prymsnb far 41oAgangu kaumna. 9 9ttw rep ln.aor`atbk,arradudrglaseealfwrdraproaensnt provide prat ran efeab d lender tdroa s ahweaof yns Irourers rick in woohangs for a ahw d 1ha prenUurrn paid to Iles Insurer. tlM anwgeramnt is OAmtt termed uptltns rsinsarana " Fllrtlrar, (a) Any each aprmesraeMt tvitl not setae the mmounb that eonaaar Ins agt aed q Ny for BafnawiNi enw oti1M frrraa d tlN lsaa. fStrmh aprmarrrmMlt tee trW Nrsnmae pre orfgaga htsreranoe, and tfnsy tee trot sntltN eertowsr to ray ro) Any such agretmrtrps wM 11161 +ct ttm ddb Berrawer teas-N rq - WAM napsml to ow Mort?a NtaurMroaundaHlNFbnweaswaly+aberenAotoflYil+errryOYtarlasr.TltmasN?# cry Udude tl» eiglM b rewlw aetrbb dNaioerwa, b tagwsR and oblmYe plftmsutlge of vw Mortgage Itteramoee, tohara iM eeetYaYS YrgranwlsroYrrstad rrserraYrallr_ ar.d/erM.?e.e.. ?tranv4vwwtw.racy,?-r?.enNrswf..aa.n..uaroweratruwarrt rba.aot.rat O tessmm oee,o oeaemna, t,a page 0of to A,uM.q. 05-211-2007 7127 BN 1814PG2907 SE/BI -Evd b3'J-M 'lIvil Z098LOZLTL Z5:9T 9081/7T/L0 way en 03-246623 a refund of srtyMoHgage beuran m pramtumsihatwere unew"edetthe WMO(utdwenodtasan or ter 11. A iwntof Mlaw9mmow Proceeds; Forfell rs. AN MisceM mum Pmoaadsare hereby asdgned to and shah be paid b under. If ft property is damaged, such Miscellaneous Rome& ahal be applied to restoration or fgnk of Me Property, iHhereataatlon or no* Is 6oenondcalylsseble and UrxWsseewilyla notlaMned During such repair and rabradlon period. Lander shat have the right to hold such Mwelaraaa proceeds urea tender has geld an oppom* to inspect such Prop" to anume Ow work has boon tdnelabet M Lander'aeataaodlon_ rxaMded thadauoh Insoealwt shell be undertalwn Drom0tIV. LwKW may pay for fl» repelm and nstwition ter a aktgb dbbunemaar w to a swiss al progress as tier work is conioded. Unless an agnwawtis nude In willing or Ap le Law regWn=m at to be paid anachMambneausRaaeeds,Lander shagtwtbe taqLdrad to payBorrower anyIntwat or earnings on such Mbodmeotm Roaads. NonralwallonornpdrIsnotscononfdoWlIrsebleor Lender's sscurkywwid be Weaned, the Mboolanemm Proceeds shal beapplsd totfu sumssemawd by this Sec u* trMmmartl, whadtor or not don due, oiler the wuwss, ti cry. paid to 8wroww. Such Wbodlnneous Proceeds ndW be applied In the order provided for in Swlon 2, Inlrewwdof atohltekhg,deslrucpprt, w IoastrxvduaoftixeProperty,lgMbcefaneousProaeeds shop be applied to the some sewured by thb Swanky Instrument, whWwr or not then due, wlh the excess, if any, paid In Swro wer. In the event of s partial tWS. dsmuodw, or loss in vdue of the Ropertyin wtkh the fair market vatce of be Property Immediately bslore the prdal to", destru don, or bas In v&m is eqW to or greater than IN wnotmt of the sons seatred by this Security Instrument immedlably bebntiw partial Wring, dadruckm or bra In valor, unless Banawnr and Lender athwdse spree h wdekrl, the sums secured by llit Saadty Indnwwsttt shot be m&mxd by lie amount of Ow Mlsomuns us Rooeeds mu" by the lolowing trsclim: (a) the told mount of"awns scow" knnredaldy before the babe the pratld Wing, dedructIM, or bas In v lua. Arty balance shot be paid to Swinwr. - In the event of a peAai takift desbuodan, orbs In vakw of tier Pm4wty in which thetdr mmW vslueo(OwPropertyfimediatalybdaretheparttdtddrtg,deabuodan,or lose bw mIsWoetlunthe an =M of the wtme secured Immadkably balors the parW taking, d6drucOM, or lose in valus, ralees Barrawer and Wrier dJ wwbe agree in t?#Is Mboohna us Praoso& I W be epplbd to lrs sumo ?s Od by On Seeurly M* mraru or root the acme are lien dus. tithePrcpwlybsbandonedby8onawr.err,4wnokebyLendwtoftwmwl ntt"Opposing ppoannyy(eedefnwdbtl»naoteantwnoe}olfsastorrtakaanawardbeettlaadsfmlwdeammaaggnnBonower tsils?rapond b Wtderwllltt ?day.edtMfhsdetetilenotiab given. LwrdwbatdhorfaW to eotieet amt apply Ina MboeNMxsarn Proossde *Mar to resorretion or repair of the Propwy, w to the sums secured by lots Saaalty InstUWwd, wfiahw or not then du*,'Oppodng Paty umm the third party that owes Bonowa? Miseepnaoua Pn7000de w the party a9dM6twbom Bwtowr has a rghtaf aakm h regard to Mboaibneous proceeds. Lander dgmwltr Could maul In forlelkln. of the ? dvi Or , Is begun MK % rlp Prapwty umtwW htpaimerntkt Wtdar•s ittwealInto Property his under this f mar Instrument Bwowran curs such a ddaul and, ffaccammllohhesomun , nkwbte as pm%fded in 8ectbn is, by cMgkxg the aclbrt orproosadkte tO be dbmbeW VA a rdMg that, In W+dars *dgmwd, preludes twleluro of the Property or other mabrW knpakmwd of Candor's Interest in the Pmpaq or rghb under tide Secwky Inn t The Iaitia3ar rrJ POSISMAtaA-04araAr-FAIN MW19MIMaweumFOStanamuwEW r00030301101 e raasaooa oft* Dameneea km page loaf is PPED601. 03-29-2003 7#27 BK l a 14FG2908 SE/61 39tld 83&C8 lIV9 L0b0L0UIL Z9:91 900L/Pi/L0 taaa tn, 57-21e5Z1 prooseds of any sward ao{alm fadamaga that aro etq>huhWeto the impsirrtantd Lender s irtxast to the Prope[ty aro haroby aselgnad and shat be to l soda. All Mixelarneous Proneetle thst are net to restoration or ropai d the Property ehaN be appled In rite order provkted for to 9aerion 2. 12. BottvnrK Net palaaaad; PorWrarnaa $11 tattler Nes a Watvar. Exhralen d the lens for paymen[ a modlaoalon d arnorliulsat d tite sums seaurod by thh Y Mswmsrd grantee by tender to Borrower a arty 8uonsca in ittefast d Botrovrer ahaA not operate to mtesae iha as of 9orrawr a any flvrtrcessaa b IrrOarM d Bortewa. lxtder afnal not ba mgtttred to t»mmanoe procsedlrngs against any eucosesw In Inhrat d Berrowr a m rea+aa n arsmnd tine for paymam or osnawbe modify Comm rsnortlzatid the some teaaod by this tisc rih tnsbument rwwn al anydamrdmade ihoorWidBo[mwormYBuooassasirhtsmstof@arower.MYyorbssnrtec b tendw in aaar"V any dght or remedy hcluang: without Wroltstlon. La der's eccsptwm of paymems from lhkd pwm*, eMNNs or Sucaasaa in Interest of Borrow or In amourits less than the amount than due, Ad not be a wahwr of or predude the erard" of any right or remedy. 13. J*d and eevsral Lbdg , Co4Wm% 8ueovaeam and Aaalpw Bo" Borrower cov- anants and agrees that 8enaurar's oblgMlaa and iabr7lty 9fial be Joint and several. However, any signing NoB.cturitr Instnanent qtly to mm%mo , Om Property under feria "of fhh socuripr hatnaneM secumd by riots Saw* irrtranenC and fo) agrees that eland, modify. iabear or make any asoommoda6on Itutnrenant a riw Mfote vvlrnotnt the oo-elgner s consent. Subject to tta provisions at Sscrion 1s, any Btreo In W04 ttwewararrhandagreaasntsall* ttee Section 20) and benalft the eucceasom and asaigra 14. Loan Ctwp*s, Lander "my shags Baron[, Bgrowar's dekA for'do"q ogre dpros od" LM In regal to any ottwr fees, Ow absw4s d e ep taetoCOnarrrrehdnotbeoamriuad not dwga far dwt are mrprasaly to *db d If rite loan to subject to 0Via vdit ash r sothattheinWrodorWwtbmt eoW riwprmittedUmhs,Vm: atty?Inandi nee oiwW b the pormbed In* and (6) rely e, and that law is t incaaaotlonwill the pdnolpat owed under Me hbteabyhmMm adisatpaytrienttm Bonawar, Ha refund nduoss pti wq* the reduction tap bs trestsd as a Pardal prep wshout army propayrraut uhmp J ? or not a pre payman drttepe b provided fee radon 1Fa lion. Bar~s aaoepterwa of any such refund made byd redpaymentto Bonoawrwa wrwrittdaa waiwrofanydaMof adon Borrower mlghth"alsitg out of such avsrdw as. PBfaan'LYA K4*gi,F OMMM11M ? ? mined asry-F.aw. [e..V.aarr.. tgrumPas[e aaraw[txxy ra,.om.uw e,aaoaoaa,s,.Daowvaer,nrw, Paga11of is PAEOeDI. 05-za-2003 7r41 Bt 1814PG2909 noteasate tiara (a ooaipr?a9: (a) Vgr co- t and omnvw the o&4w@es interest it the h rat Personally d to pay"sums ender and any WW tionvoover ran agree to vdtil regard to ria laws of ttds Security grow in Interest of Sorrow who assumes ling, and is:pprvvad by Larder, shall obtain Irumarn. Borrovwrehel notbe mlemsedimm umentunlMa Lendregroa tosuch ralaase Insiransm shin bind (w"pt a provided In ender. is for serftm ?ed In camedfon wah lntematIn&A anddotthunder Oft GEM _-Am tsd-m 1ICRJ 7070LBZLIL Z5.9i 9002/OT/LB M NQdca& must be in WWAnt unless Harrower has Sorrower's dwas d ANN spedaed procedure, 7bm n at any are flea, Any nadoe 1 to Lender's okkao sated ha Any rtotke n cardmWon with until his * aceh, byLanh Apploos LW the Appkd Security nssrmwnt a Goinno B Le,; sir governed by taderal law and obkUid s contained In this by eortower or Lander harvurnent is 03-216x21 M 1nslo mant I a wbetltub notice address by notice to Lander. Borrower shall see change of address. N Leader spedMea a procedure for reporting then Borrower shop only report a thongs of address Ncough that at onlyohs notice address tarderlhis $Mdq nstoamM adsr shag ? ddkmMg It a? by maebrg N by lM dins mall acs" Lander ttndedgnatadmrotlrnraddrasbynaloebBotroww. tieoxtlkasumerdsWnotbedMmedOOhswbeengbmibLwW r Woorequired under ar?requkemerd ri addsfy the oevraaponding regtdrernen imdxCds "Ity; Rid" of Consbuclam The Security Instrument shell be law of the jurisdiction M which the property b loc? and rights and night xuky s pliciMy a tmpll * dice mi psrMss to agree by owftkftm b?aot wait in the wmdthat atryprovision atclaassatso amft nsa armtorba NobcormctswahAWAORDW Law, such conflict shell nd alled ci ar pmvbtera of this security itsuurma or this NOW which can be green eaeot wbhout via conlMd ing provNtan. As used In grit. Soddy h*un errt: (a) words of the masculine gender shall mean and Include Conespondbg neularwords orwotds of thefemidrre gander; (b) words in the singular OW mean and Mdtde the plural and vox vwoa; and {c) NIA word `may' green adlA dbcreNon any obagawn to two 1T. BenvwsYs arty actleh Bdaraw vlWbe onecop oftiaNMaandetdcsSecudtyinAturnertt in. Transfer of till- Vropedy or a Bow I In Bwrowoo As used In fhb Section 7a, to, those YhOwesq tanalerredInabond for dead, eontradlof N a1 or arty pad of via Properly or arty InlaraK in Ow Pngiw* is sold or hansfesrad (0r M Borrower brotanakn personandabonWWinbratMBortowerbsoldatraratwed)wldtoutLmmWepricy wdMen oonssra Lander may "IN MlmAdide payment in hull of all wale secured by this $sourty Inatnanent Nowaver, tihis eplion shag not be wasrdsad by Lender 0 such eaercfee is prohibited by Appaabfe Law. N tender warcleas this option, lender shall give Borrower notice of sooebtaiion. The nodes shah provide a period of not lees than 30 days tam via dab the notice Is glean in accordance v ft Sacllon iSwithnwhichBot owumustpaysaawnssawedbyCos Securiyinso nerhtHbanowa bielcpay these sums prior b pro opiradon of tills period, Lender may Invoke any r wAdb6 parmb ed by fhb Security Inewmherrt wilhad Anther noda or demand at Borrower. 19. Owrower'a RbM to ftsbodi s Af$w AomWalm. ti Baroww era- outaincomMons, ftrowerahalhave dierlghtb have whMOsmw401 this tsauray Inatumard dusted w anytime prior to the aariat of, (a) be days bafotesob of to prop" pwwmt to sas owar cur act> Iase:U MMht) YirMNriVANN-aFpb r~w.eM.rwmM rMyFrMIM r Mo MOWN WiRUYMNr FaroeellAh iNt O r000eaha adln. 0ow,nwat hna page it of 18 FAaDOM 09-28-2003 747 OKI814PG2910 5E/TZ 39tld 832MOa 'lItE) Z060LOUTL ZS:9T 90OZ/11TUO scar 41 93-210523 in thb SeWrily Irtsbrantant: Qo) arWr other perbd as Applicable Law mipM epedy (a the MnnY+agon d Borrawefe fight b rekatate; a {cj entry d a Judgment entorcing die SaarMy InttrunenG CAN candltlons era 1(ut 8ortaevar: (e) ppasyyse L:wMer aA aorta which than would b0 due undav llie 8awrily (nsbhah+antandtleNobesHnaaOOSbrvtlon h?doxurted; (b) txrras anydeishdtdtYhyothwouvenards a eAnbt 4c? PsYe ew e0?entes Nwrrad In enforosg this Security lnslrurnvra Ine?+dYtg, but not fshibd b. reaoeta6la ammaya' 4ess, t?Psr1U bspvdlon srrd vsWtlott loos. and otherless incurred falhe dpro>0ctlnplendarstntaraetlntMPropartyrMdghteundrHrlsBeouriryNtewmant end (dJ bkaa such aatla, a. (rtnd.r mar taaeonabN requka eo assur. v et hander's :rar.at In na and rghtt unrhrttle 8eonufty MhetrumernC and Renewer a obagatlon n tle aorta secured wurty Itabumvnl sthv0 continua wtdtettgetl. Lender may regnrty tlwt OatoW?r paoy such by thle (b) moray order, (o) WNW cheek. bank chock, traatum's check or m MW* check, provked my wthahadch chwal upohan k*WAfdonWwm deposdearelroured by aUderdaganay. kwbu nentafry or oeotlhlY; cr (cQ EkK* * FMS ltansfec thm robMatartant by aomMor, thk Security kaavmant and wommed lhis b Nknb to elalh not" In des a d aceelantbn under Susanhad ooourted Hoavatwr, right 20. $ale of Nab; Change et Caen Swvkar; lblbe of Cxiwmtae. the Mlata at a parW k4weat in the Nob (toiWhw whh ttds Seoumty ln*umeno can be sold an* or more times wWmd prior rtoW , b Borrower. A vale rdSM result In a change In Cte *MW p wwn as the 'Low Ser Acid tat *does Perio& Paymvme dus undarthe Now and #* Sawm* hdnmwd and perto ottw eaut s 1"n swwdrtg ob9gotlpa under the Note. Chit Sedelty kabtsnant, and ApoIa6M law. Them Nw might be we or mwa changes of the Lowy tlwAawun relesed to a sale of the Nab. Htlarv le a dmPp atom Loantbnhow,lonawrwtlbeghenw MennotlceddwchwWwhbhwosblaCwnvmeandaddnes dtw new Laub Sw Am. to address towb4ch pvymertb should to Made and any mbar hMnua n RESPA requires M oonnwtk nwilh a notla dtrendwof sw*Ang, if the Nobls sdd and Caredbr the Loan Is serviced by a Loh Swvbwat w than to ptardaser d the Now, the morlpaga loch gw*kg obagatadsbQorrewwvralrwndneMhdwLamS*rWmorbetrMalM7edbaametewLi an Serricer and are not assunad by to NOW purchaser unless cAhwwl JwofpnrovkleadnybJyumledWh pwdhasar. Alm alheran lndWAuuW Idgen ort tlM namber a alas) Cat arrives from the other per" ad ds@ pu (matd to tMs Securty katrenmtathataftegeethatCtscttwperlyhee broadad anypraW" of, or anyduhlowed by raacan d, thb Sadutly babt mm% UM such 9ornoww a l.mxWt ae neOW the oter try (wb such rwtpe glwn in oomptfence vatlh the re"Wenwnb d Seotlan 15) of such abgvd breach end WbrdW Me other party hared a masarahh paled after the W" of such Hobbs to take eaneative Apploabk tawproviar atlmepwlad vrMdt ntusl elapse tefora oe(bkh eaten can be taken, that tine period w11 be dawned b ba raneraible for pufposes d tltle paragraph. The natlae d exNertntloM and oVPa lb b aura given b S«howrer pureuvnt to 13ect0n 22 vrd the nnabce of arxabratrun gHwr b 8ortatvah pureuard to Sertiat t8 theft he deemed to aatlthr the retie end opparrwtky b tales oorreotlve adbn pnevtslone d ttnh Seollan E0. 41. tlvaardoue 9drbetlNlsea, /u wad N t,is 8eoton Et: (a) 'lfehardous Subcbnc?es" are shoes subsbnaadelkadastavloahvardouswbcbrtces pdubutb,wwaslaby9w4vtmenmlLawand dte tataw4tg eabawtaes: paeotne, kerosene, aCiw tammeble a bode patrdehan pcodtrob, tmac rediosoCwanmadrtds; ft 'Envknnmen LaW mown led" laws and leers d Ow AN%dwft where me Property Is bated Met telw b hvsfth, safety or orr*mmW ft probdidt; (e) YatlSaler8 rCnINiYLYA1el1-ad+tMMe?.dMN rho UNMORY M67Fn1Y0ar Fens eOle?Nr o topa.eoos Ong" cesrnrr^ vie. Pate 12 of 1s MlCFpI eS-20-2003 7e27 91(1814PG29I I 5E/ZZ MVd a3TFM -UVD Z098L0ZLSL Z9;9S 99gZ11,11LB r.OAa lr 03-216b21 Cleanup"Indudwanyrosponsaacelon,alaGtlon,orromowhroWon. astlalhadtnEnMranmanlM law: and (d) an '5niraunanal Conddaon• masse a condition that an cause, aonhibute to, or otilwwisa 1ri09ar an F1INratmantd S2eanup. E3arrowar atrdl not sues or permit me prwwrae, use..dispoaal, Staraga, or rebase of any MSZardous substances, or threaten to rabaee any Hazardous Substarrcas, m or in the PropeAy. gorroerershaU ndtla nordkavanyone elw ro do, anylhkg alleetingtM praparty (e} tiud is In oblation of arty Erlvionnlarrtal Law. lb) which a+wM an EnNronmental CandlBan, or (e) which, due to the preeenca. use, a taMasaof ? Haa+dew 9uf saAanaa. creates a eandtuon Ihatadwnaly aitools the wYw of the Praperry. The proosdlrlg two Santenoes stud not apply tyoarin?apr?eaatoa, era, or storage a+ the to no al uwa lx d iam a of Proopp" (.ra 1ding. but not rend 10. hazza bous wbsteneos In co o mef produar). Bormwar sholpromptiygM LwKW*rWsn notice of (*any investigation, dais, dernand, lmww7t or other action by any gMWMnWttal or ngutabxy Samicy or private party in "ft tie ftWty and arty Ha wdow BL"Woe or Bnbmmwft Law of which Mffowor has adwl Wowledge, (b) any Environm wWCondilon, italudng bd notbrAnd to, any epling, lealdng, dbdwge, reeaw orttaast of release at My SSW" 131d"W% and (c any oarldhion cawed by the Kelso w, ua or release of a Humvioue tlubsbom which advemely aNaets Me vdue of the Pmpeny. If Bonower leams, or is noMW by my gowmmentat or ragtdalary a dhafUy, a any private party, that my removal or other mma&UWofmyHmzwdous SUbehrm attectirgttwf?isneossmy,llortowwshalpromptly take al nscasseryrernedWeadomIn accadamcewil G wantdlaw.HoOt herainsh lwaste arty abligaban an Lender for an Environmental Cleanup. NON-L VORMi COVER M'9. Bummw and Lartdalr tur#w covenam and agra as blows: 22. AeCSMraren. Ren»db& Lmrder aha ghra no** lo flseaww prior to a xoWadon followin Borraw4es bnalt of am covensM or mWsomaM in rift tlom ft lmkttmad (bur not prlortoeoosleram, fader8allonligublessAppam"OLawprovidesadhrwlsa).Landerahab noWvBonowsrd.wnonsolarttiaer(atgindshult(b1tMaatlonftwAsdtoaraihadefa t ling and ula of or wiy afhsr Wtertee 4ifoBBaff9mW to i swan" kw*WXMAdMwllho tturlbW Juddd prooealBrg Landes atudt be n.msAN+provkMdlnflis8sefleeb2y2, f a to nP> rttofa tnOmmant and ale esWs omvwed eS rhaN turMlw Iltform Oarovwr of ttte rigid io rabrrlaM sdpr fins foraelwua prooeatrg tin noawllobnas al a dufm^ lmalwalon and ferealc am It M OWN Is not eared me mWed to oolled all expataa Yrwated b hq 11» tdtrltq, twtraNpmfledto, s/fcraeya` tees and aoaLaof tltla Ie Law. arra Secured by this Security It»tanertL thb semi* di Wani als and become void. After such oeauaarloa, Lander bmbwr wd. Bwrw*wshal pav Normwdatfom ON%, Larder May Marge S renderW endM ? aOIWV g this theelm Is pWn*ted ; underAardy pp?iMfts Law. In h paid We ltdrd party 24. WMwra Gwrawar,101he agent permdted by Apploabb Law. wahAS anti rebasae any error or ds(s* In proceedimp to &*me lib Ssourity Irowumem, and hereby waives the bpneft of any r:attlalar PSMMVANV,eko6 Pamir-Pmww Maormdis Mr QNmRM Vommmt Panaemwat O laeaoar or"Dmanwft H.n Page 14 of 10 pAEDM 05-1e-2003 7127 OK 1814PG2912 SE/EL 39tld H36-M lItl9 L0D0L0LLIL zG:9I 900UPi/LB praeerd ar fuWre laws providing ievy and salo, and hamaatead e 2s. Rokmuler -Padod.8 Purabaa0 M" 27. MttwMillideAttor.a b enUrad OnlhsNots orfn en under ft Note. LOAS It 03-216521 of exaeution, e?dension of ttme, exemption from attachment. mWa sale oralwrsala gasuantto Ida Security hatrrmant of the debt aeourad by this Scarily inatnanent Is lent to Ely SIGMNp BELOW, Borrower aaopts and agrees td tPo terms and eownants oontained In this Sacurlty insbument and in any Rider exaeubd by Borrower and taoordOd with iL (seal) C8hI1 I 12 ` REAL (9aa1) K19MUA K M• PSNIMLYANK-S nya F&Yh y annM L%%TisdSv Mew UN Paatt INSTRUSa4(r o t0ao4M orris Degarwrr4, dra Page is at is 8N 1814PG2913 Fennama iAq PAEOWL 05-29-9007 7s=1 SE/P6 39bd N3&M -IIO'9 ZODOLOUIL Z9:91 900Z/PT/LO LOM 1z 03-216321 Caazzonaeelth of PirfBIIAaUIh County oft C-?U...C..'.A r on this the Zg day of ??3 baton me, the undeisigae o hoer, ;;v eomaared '11, ,_,.-f. known to s (or a !ae r y pmts) to the person Mho" Miss -- ne subsoldbod to the withim ieut zed upo end that , ameanted ed the sae for er the purpos perpemes therein in io eomtaieed. in r ms xbzrea! I bereneto met my hand and official zeal. f?,A KY aien a ireat -7 ' o I')MRIAL SEAL "OR L. i00MP. MOTASY FUKX Ax+ OIYY OF URUK?, pIMMMAN0 OOIOIfY T tLe a Offlift YY P480 WUML WIT, *I azt.¢Ipt Owls. Pooianardw LIM 10 of 10 F 05-28-2003 7#27 BK 1814PG2914 SE/5Z 39Vd HRHM lIVJ ZOVOL6ZLTL Z5:91 90OZ/61119 tam {, 03-216521 ADJUSTABLE RATE RIDER (LIBOR Index - Race Cape) my or mommm, no., a VlMINIA {the 'L.endar") of the same data and covering the property described in the Security nsirument and located at, 79s mum saeD, sMlt'esaa uw, PA 17291. THE THE ANY ADDITIONAL COVENANTS. In addition to the covenants and aaggmnents made IntheSecurity Instrument, BormwerwW Lander turdwcovenam%a4agreeasfollows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial Interest rate of e. s750. The Note provides for changes In the Interest rate and to nxm ty payments, as followmz: 4. INTTEREST IJATE AND MONTHLY PAYMENT CHANGES rrie ktbreet rata 1 VA pay ffm?( dwnge an the lax day of AM, 2005 on thatday sCdh mo?>1h thereafter. Each date on W*,h my iniereat rate could Ice is called a " oe Date.' no Before each Change Dse, the Note Holder wlil calculate my new Interest rata adding aavsa Pamoltage paint(s) ( .0000 Initials. MULTraTATt ADS MTAKE WE MMM (Upon Yd o -9Ygw Fm* -Fr.ddM Arno UNWORN Foes wm im Noda"o W Mawm r Mgood= on" DomwowN, kw Pays 103 NRIQW W mm ae-26-7003 7.27 OK I B 14PG2916 SE/LZ 3wd 836VM lItl9 60POLBZLTL Z9:91 900Z/PT/48 to the Cunvnt Index The Note i sufficientto repay the unpaid pnw*w that i am apeow to owe aitne vwngo us= till on the maturity date at my new trderest rate in substantalty equal paym The wits suit of this es kulation will be the new amount of my monthly payment. (O)Umks an Irosreat Rate s The Interest rate Iamrequiredto atthefivst Change patewillnotbegreaterthan t 1. vii or less then s. shat. , my ir?re We will never be rr>creaaed or woentaanafy Cfrerwgebetsbyrrorettan on have a prreodding sk months 1My interest ? vdlll nee er be?greaatter than been apayirtg for is. or as kLaa 8.0750, EtiteotNS Dats of Cta?trpasss y new iMsrest rate wti =rne effeotve on each C??rr??ee Date. I will pay the nountof my new monthly ayrnentbeglnnin on thetirst mor>$hy paymentdefteafter a Chanr,?_e Date whdl the amour n of my monthly payment cfwges again. me B. TRANSFER OF THE PRO OR A BENEFICIAL INTEREeT IN BO-- -- Transfer of the P ?pp??y or ¦ eAeh1 lnbrerft in prrorrsr. As used n this Section 18, "Interest in-the ?A ' tn? legal orBhprlefiOial Interest in the ford h transfer r d ? litle ?in? da tetoeagreement, the intent IfatoranypartoftoProperrty or Borrow eerryylrloe?re? at at? A tululntfhep?r?y poldorttar> Nesd(orif a8onuwerienatarhatsal?per widaberhsit?elfrhearrhstin8ormwwNsxlssoWar without Lenders priotr wtw MOOmw1conssn4 Lander may requro krrner to fupof al swans secured by t* Inabtsnent, l-iowaver, ghta opton sfheb infbe e m clsed bar Lender U such ehrerdse homed I sow. Lsrrder shat rrat exeraisa trs op4on if1:0 ) BonoMwrpsises to be ??t?ar>dE+r trrormahon requited by L arrcJerto ewiuate or tpx?hdyedtar?KSasiFarrewloenwarober?madebrie and(b) Lend detsmhirtes that (.whda's security w?l rot ba irtpak+ed? loan 1 acceptable ? Lbreach of eny covenant or agreerhhent h thws Security To the extent permlted by table Law, Lander may strange a reasonable Tee as a condtbn to Lender's consenF 6o the ban assunptfon, t ender may also ulre t iai!la1a+ A/ ¦wk7MTATC ADJUiTMLE RATE Nacre(UoM ktleQ--alo& Fxn*,-. .&M Mee UIMFMM swM via: um eioa4m oMn. co..nrns b" Page 2 of 3 RstoaMU oeoa 04-20-2093 7,27 Untorm Covenant 18 of the semft instrument to amended to read as 10 P but not tnwi , those baninteresm trartslerrsd in a bond of whfoh is tl e Bas 1814 PG 2 917 SE/BZ 39tld 213ZRM IIwf9 ZabaLOZLLL z9:91 900Z/bL/L0 to sign an aswnption agreement that to worlai " med arty ra 1es On Borrower. BY SIGNING BELOW, Borrower aooapts and agrees to the terms and ODVenantS contained in this AdjustsNo Rate Fader, anrki^ " • /'w rat' r7? CKRZNTONM K IA6T1L Data ¦sAL Dab MULTMTATL ADNOTASLE VAM NWEO "M Y1daQ- *0 Fftd -FN"6 Nay W" M UnTRUMM Fara.11001Nn Mond for Newrer 0100020011Oni1n Ooouna04lna pag* 09 Nalwu am 05-26-2007 7127 OK 1814PG2918 SE/67 MVd H3&M lIV9 Z800L0ZLTL Z9:91 9BUZA111LO MAN 11 03-216921 PREPAYMENT RIDER THIS PREPAYMENT RIDER is made this 29M day of U1, 2003, and is incorporated hdo and"be deemed to amend and supplement the IK npge, Dead of7'rust or Security Dead (the "Security Instrumnr •) of the sane date given by the undersigned (the "Borrower") to secure Borrower's Note to fovAsm tt rmancz, 3aC., w VIR02tsrt coaPOatasotr ofthe same date and covering the Property described in the Security Instr numt and located a: 295 rW=11 SOLD, SAIPPSISSU i, P3 3,7237 PREPAYMENT COVENANTS, to addition to The covenants end Weements made in the Security Instrument, Borrower and Lender firtber covenant Sad agree as follows: I have the right to make paymals ofprintapal at anytime before they are due. A prepsymmtt of all ofthe unpaid principal is (mown as a "fiili prepayment." A. prepayment of only part of &e unpaid principal is known as a "partial Prepayment." I will nodfytheNoraHoldc in writing that I am doing so. be charged PREPAYMENT MALTY in an amount equal to ) moB)s I will ( a ) mondc(a)• interest (at the rate in efleot at the time Prepayment ocean) one any Prepayment I make in excess of ssm1T: Percent( 20.000% of the original pnncrpal balsoce In any TOUVE ( 12 ) period. Theraetirir, I orey make firil Prepayment or partial Prepayments without PSYmB any prepayment charge. The Note Ho)der will use an under this Note. IfI make a pan for an adjustable interest rs* my partial Pr payments aitw the Payment Chap Date ift Clump Date. However, any reduction in the Prepayment may be of8et by an interest rate tttt to reduce the amount ofPrinc ipal that I owe there will be no chamgea in the due data of may may reduce the amount of my u ftepriment occurs f my trty MOW* PaYWAK due to my ?f the ftegoing prepayment penalty netted by licelaw paitbe .bang cable taw, only the motomuum prepayment 03-2e-2003.7107 "0"" p l3-" e4w".31 Pace 102 1432"R 14UKA OW OK 1814PG2919 9£/0£ 39Vd a -1ItlJ Z000LGZLIL ZS:9I 900Z/bi/L0 LOAN to 03-226921 BY SIGNING BELOW, Borrower accepts and ages to the tams and covenants c oataiited in this Prepayment Rider. tateYastotrr?t K 1t?71L NO 09-29-2001 7827 (006"p, '" il11a. ec-279Yi1r Pete 2 of 2 1432" OK 1814PG2920 9£!SE mvd dad-1 -11V9 &0P0LBZLIL Z9:9I 900&IPTIL.0 wee f# 03-216522 ADDENDUM TO ADJUSTABLE RATE RIDER (FIXED RAG -MONTH ornON) THISADDENDUM TOADJUSTABLE RATE RIDER (the'RlderAddendum*) Is made this 20011 day of an, 2003, and is incorporated into and 9W be deemed to amend and supplement tit adjustable rat9 rider (the'RkWI to the Mortgage, Deed ofTne:torSecurity Deed (t am asbs Rider Addendum and given the ens! (the Bonuwer) to socura Bonorva's adjutable rate rate with the adderxhm to adJuswe rate note in favor of sovan" rWPTG10, ZWC., A VIA62NIJ1 OMPORATION Instru me tt amid located (ft 'Note'), coveting the property (the inn a Secdatued as of 295 same Pow MXPP N WJFA, VA 37257 The interest rate stated on the Note is called the "Note Rata' The date of the Note is called the "Note Date." I understand that the Lender may Transfer the Nots, the Security Instrument, the Rldar and Ws Rider Addendum. The Lander or anyone who takes the Note, the Security Instrument, the Riderand this RiderAddendum by transfer and who Is entitled to reoelve payments under ttw Note Is oailed to 'NoW Holder.' I undprsbrtd also that the Lender may transfer ft sWdng of the Note; 2:= parIta renelves payments urntterthe Noteis called the'SNrvioer." Each date h my adjustable Interest rate could change is galled an 'interest Rate Ctiange bate.' I understand a new Note Holder may not wish to exercise the Conversion option. In addition io to arjerwits and agreements SewritylnlstrunentardRNAer,BanowerandLLanderfirttwcovenantardagree n? Moore. 1. FIXED INTEREST RATE OPTION I may have a Conversion Optlonwhich I may be able to axwdse H all the conditions explained in Section 2 below are met The "Conversion option' is my option b convert le Interest rata witln N7tenast rate limits I am required td pay under the Note the adrad tram strat e I ly encarcise the Conversion Option once. The Cornrerston Oxon wiN be avaNable to me only during the period beginning on the u: frrtwast Rate Cttenga Date. and endinrngg on the sea tntereat Rats Change Date (tlie "Option Period'). The rnew, focedinterest rote (the'Conveted Hate") wiN ba aff®c t1w lwgiming Ong" DoaraN4,. Inc. Pops 7 of 4 r5421wU PSWAL l aeon 05-29-2063 Tell OK 1814PG2921 SEIZE 3Wd 834M -IIV9 Z090L0ZLIL Z9:91 900Z/6I/L6 rasa #t 03-ZLGS21 on the lust day of the second month following the month in which 1 exercise the Conversion Option (the 'Conversion Date'). 2. CONDITIONS TO EXERCISING THE CONVERSION OPTION It I have the Conversion Option and choose to exercise It, certain conditions must be met, These conditions am Via (61 1 must give the 3etvioer notice during the Option Period in the mariner prescribed fn Secton 3 below that I wish to exercise the Conversion Option; tb) on the date I give the Servicer notice that 1 wish to exercise the Conversion Option, i mug not be In default under the Note or the Somft instrument and I must not have been delinquent thirty days or more in maiidertdgw ypaylsol I vets prboadthe Exercise Date as defined In Section 3 during tie twelvemonths I mist pay the Servkbr cornreersion fee equal to sac atmaev r1rry MW No/too dollars ( 02545.00 } ocomplExercise Date; ette an updatte(dd )credit review and I miust pay any cred? m ltreview paid by the SwAcer to third parties; (e 1 must occupy the property; (q If the SeNicar believes the value ofthe property in the Security Instrument may have declined since the Note Date, the Servicer must have received an updated eppratsai of the property described in the Security Instrument Prepared by an mp acceptable to the SeMcer and I must pay any related appraisal fee gold by the 3ervktar to a third party; (Q) I must com a sign and deliver to Me servker on the Boordse bate; any documents the requires to effect the conversion. I understand that i may not beallowsdtoexerdset oConverebnOptionIfIdonOtmeettheNoteHoidersproperty and credit standards or if the Note Holder(s), in Its sole disoxetion, believes the Interest rate as calculated herein is below market interest rates then in effect for similar Iowa. 16130 understandthat) may notbeallowedtoexercisetheOonverstonOpdwtHthevalue 3. EMCIBIN0 THE CONVERSION OPTION To obtain information as to the currently available Pored rate, I may telephone the SWAM. I u *no subsequent the telephone cal. evert on the that this Me will be available at same d The Servicar will notify any me in writing if the phone number should ohang To notify 1t.9 that I want to exercisetft 0onvereionOption,ImustoelttheSerruicaronanybusinessdayduringthe Option Period, between the hours of er0o a.m. ro s.oo a.m. ma. Tire Servioer Oncelnot tm*Swvlow#Widesk*toeseniaeihecwwwaionOp*m,lheServicw will forward to me any doounere necessary to effect the Conversion Option. I must complete and sign tits documents provided by the Servioer and return them tD the Servicer together with the conversion fee, credit review fees and, It applicabie, the on** DOMNM K k,c Page 2 of • PPeaw.u aeae 05-28-2003 7127 BK 1814PG2922 5E/EC 39Vd 83M-M -1IV9 ZOVOL06LIL Z9:91 908Z/D1149 LOU r, 03-216321 appraiset fee described in Section 2 above. The date the completed and signed documents are received together with tits conversion fee, credit review fees and, it applicable, the appraisal report and appraisal fee is called the Exercise Date. The Converted Rate is the rate quoted by the Sirvicer on the Exercise Date. If the fees and properly completed documents are not reoelved by the Sevicer on the Exercise Date, my adjusleble interest rate will not be converted to a liked interest rate. 4. CALCULATION OF THE CONVERTED BATE The Converted Rate vll be equal to the Federal National MortUgamga Association's ("FNMA') required net yield, as of the Exercise Date, for the p? of thirty-year, Axed-rate mortgage loans under sixty-day mandatory delivery commitments plus d9P point , ?as quexceed oted SIXperc rounded up to the nearest one- percent Holder. 9. CALCULATION OF THE NEW PAYMENT AMOUNT If I havetheConversimOption andc xxmto exercise It, theftvioervl determine the amount of the rrq??1y payment that vrAl be sufliciertt to repays the u p old principal twt wipaid Interest i am mcp?,bed 40 owe on the Conversion Data m foil ty Date of itw Note at the Converted Rate In substarriiaAy equal payrnerns. hisoalculationwlb bathe newanwrrrtaf mymonAily prlndpeland mterest irrting with my Arat monthly payment aPosr the Conversion Date. i whit ppssyy unt as ntyr mottdtly prinq'pai and kterest payrttent until the Maturity Date nless I pay the Note in Pluuttt prior to its Matudttyy pale. MEMMimm 6. TRANSFER OF THE PROPERTY If I exercise OW COnV%-Aon Option under the cand&rk$ stated in this Rider Addendum, ft conditions undwwhieh I may be required to make Immsdtatepayment 9111 und d?lbed in the ti section o the No to captioned 6 Now because rm Secured NoWvAA ce sseto be in etfeOL Instead such conditions vAll be as follows: Trtmsfef of the Property. If all or arty part of the I or transferred withoutfhe Note Holders prlorwrrdw b option, require in medlate payment t Irmtrument. However, this option shall no be a mn* Is prohibited by state or fedeal law as of the date o If the Note Holder exorcises tills option, the No acceleration. The notice shall provides period of not the notice IsdellwedormailedvMtlllnwhlch Imust pt In*umont lfl faitto payythesesumspiiortot weorp T may Invoke any remedies permitted by the Security it demand on me. onk» Ommwk Ina Pip. 3 or 4 OKI814PG2923 operty orany interest in it is odd onser? the Note Holder may, at sums seaaed the Security d by ft Note Holder 0 exercise a me notice of s from the date bythe Security raz,au MW eS-29-2003 7,27 SE/4£ 39Vd b3hrw -11VD Z917IMMM Z91-91 90OZ/1111Le Loam ft 03-216521 BY SIGNING BELOW, Borrower accepts and agrees to the terms end covenants contained In this Rider Addendum. Phu mtzopxpt xv ? Ste x 17ou, Hero r UTAUXUA N NlaL pane O"%*D mmwaa6w Page 4 of a PdMAW Baas 05-26-2003 7127 8K 1814PG2924 SE/SE MVd S3"H l "IIV9 Z8081 LTL Z9--9T 9002/VT/L0 1St P" R09ERT ?. iIESLER RECORVER OP ^'_ C.; 0 MY 8 M 11 31 Return Tas Does, LLC III[Aldarwal)r. SM350 Ak&uv tor, GA 90005 Prwlacttl:MT 19 w4aan "d1w. NrnArllwg W MAMD,e.14 6t40 sr.r,can aaos4w Ar?d>'J? )s,aarrr Ater U? sresoeaatsoraram LOAN MODIFICATION AGIMEMNT T16 Low Modifioatioo Agreement ("Modi5a csm" , is effactive z D z omw between CHRMOPIlMIt M. NEAT, AND MICHK r r M. MAI, ("Bormwre sad NOVAWAB MOATGAG& INC. ("I.eatder"). and amends and sapplcnmte (1) die Note (the "Note") mods by to Bormwer, dated May 2q 2093, in dw millieal priaoipal am of U.S. S190,000.90, and (2) the Mortgage or Deed of Trust On ",equity hmU mieafl recorded on Jesse 3, 2093 irr Book 1514 and Par 2999- 292 is Cyr bolatld CNMty, Pessaylvaab The Seauity Instrument, whiob wo ea0ete I ho as aaotrity for the parfomawoe of the Nate, atwmbera the real and persoml properly desm'hed in the Sommity lasawneat (and defined ht the Swurity 1 numneot as dot "Propvt) l which is locoad at 253 Zbx Drive, Crosby, TX 77332. 'That Taal property is deaeri W as follows: THE LAND RLFERIIED TO IN THIS COMMiT EMT IS SITUATED IN CUMBERLAND COUNTY, MMSYLVANIA AND DESCRIBED AS FOLLOWS: 295 SMITH ROAD PENN TO'IWNSMP, CUMBEPI AND COUNTY, STATE OF PENNSYLVANIA. The Borrowcr pronusee to par the Unpaid Principal Bslanw- plus iutaeat, to the order of the Leader. Intl! the Uuwd Pm*o&l Balanea bas baw paid. knetsst will be charged oa dm Unpaid Prindpal Balmer at &e yeedy rate of 5.0 . begWxing Febraary 1, 2006. Thor Borrower promises to maim manddy payttteats of prboipat and iritarest of U.S. $795.45, belim mg on the 1" dry of Mareb 2091, and cmdwimg disroaft an the cwme day of each mameeding matt If an rase 1, 2034 (tbe "Mebxity Date"), the Bersowtr still owes amoucts under the Note and die Security hubroctit, as ameaded by ibis Modification, die Borrower will pay these amowas in full on the Maturity Deto. The Borrower will meth: aoob paymmta at P.0. !ox 501011, Kam" City, MO 611"11 or at such odrer puce as die Leeoder may require. PREVIOUS DISCHARGE IN SANK5RUrrCY b the evmt do the underlying debt has been disobarged as a result of a ixior bmisupicy pracoedmg. NovaSUrhfoitgaga hereby ack mowledgea that it is not maossiag personal liability for the debt id the borrower(s) wad the its recourse is co5oction maniocs shall be lindtad to the cdIstual deeen'bod is the security uwtr rettt. Page 1 of2 090726K42 15 9G8Z/6T/L0 5£/88 Mvd d3ame -1IV9 ZGv2zGZLT1 Z9:91 ,itlc .?_,a-a6 Date na f witness STATE OF PENNSYLVANIA County as: C y, b On tbis i p day of F?6 A o o ` . bef= nu, a Notary Public fm the State of Pennsylvania, Pet=WJY appeued Christophw M. Neal and Micbelle M. Neal known to me to be the person(s) Whose rime(s) tnubsceihed to the foregoing inatrw nW and acknowledged to me tbat they executed the same. at for Pennsylvania STATE OF MISSOURIOf C ss: ` } Oa this f / , b? VR Notary Public for the State of Miasouri, p?, ER, VICE PRESIDENT FOR NOVASTAR MORTGAGE, INC known to me to be the person whose name enbsmlW to the abtwing instrument and acktrowledged to me that sbe executed the 50100. MY Commission torpirca: q la-a'a-f =2 D? `? Zublic bfor tlfisao Residma lY , Mtoissouri "? is be recorded In Cumberland County PA Pbee 2 of 2 AK0726PG4216 Recurder of Deeds 98/60 39Vd M & M 'IIV9 Z0e0L0ZLIL Z9:9T 900Z/7T/L0 CHRWTOPWR 16L NEAL Harrower Exhibit "B" LEGAL U§CRIPTION ALL THAT CERTAIN lot of ground skvste in Penn Township, Cumberland County, Penasylvenda, togetlrer with improvements erected thereon known as 295 Smith Road, bounded and described in accords x;c wb a survey done by Noel B. Smith, Registered Surveyor, dated November 27,1972, as follows: BEGINNING at a point in the canter Use of Township Route T-346 at the Northwest oorner of leads now or tbrmaly ofJam Smith; thence by the eeota oftha said Township Rome T-346, North thirteen (13) degrees, sevoa (07) minutes West, two- hundred eighty-seven and eighty-one hundredths (287.81) feet to a point at corner of lads of Jay Coble; thence by said lards of Jay Coble, Nottb seventy-six (76) degrees, fifty-three (53) minutes East, one luudxd fifty-six and thirty-six hundredths (15636) feet to a stake; thence by rite same, South thirteen (13) dagr m fifty-five (55) minutes, twelve (12) seconds East, two hundred surly-nine and thity-saventh hundredths (269.37) feet to a point being the Northeast comer of lends now or formerly ofJaoet Smith; thence by said lands now or formerly of Janet Smith, South seventy-ttaa (73) degrees, thirty (30) minutes, thirty-six (36) seconds West, one hundred 5&y-six and sixty-three hundredths (156.63) fact to a point, of BEGINNING. I Certify this to be recorded In Cumberland County PA Recorder of Deeds BK 1814PG2915 SUM 3J7d 63M02! -1Itl9 Z098LOUIL Z9:91 90aZIPTILO Exhibit "C" "??? ?. ?:., ? ?., . v3 ?; F --.?T ? , ?,,,, ? v hIK ? ? t g.[ ?..0',? s' .L8' a :E?? t y ? ?? Exhibit "D" NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the Act) 15 U.S.C. SECTION 1692 AS AMENDED 1. The law firm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting a debt. 2. The amount of the debt is stated in the attached letter, or Complaint 3. The Plaintiff named in the attached letter or complaint is the creditor to whom the debt is owed, or is the servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the letter or complaint will be assumed to be valid by the creditors law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditors law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditors law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. If the creditor named as Plaintiff in the attached letter or complaint is not the original creditor, and if the debtor makes a written request to the creditor's law firm within the thirty (30) 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. FEDERAL LAW GIVES YOU THIRTY (30) DAYS AFTER YOU RECEIVE THIS NOTICE TO DISPUTE THE VALIDITY OF THE DEBT OR ANY PART OF IT. THE LAW DOES NOT REQUIRE THAT WE WAIT UNTIL THE END OF THE THIRTY-DAY PERIOD TO CONTINUE WITH THE SUBJECT LEGAL ACTION. IF, HOWEVER, YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY-DAY PERIOD THAT BEGINS WITH YOUR RECEIPT OF THIS LETTER, THE LAW REQUIRES THAT WE SUSPEND OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE MORTGAGE AND NOTE, INCLUDING SEEKING A DEFAULT IN THE FORECLOSURE SUIT FOR YOUR FAILURE TO RESPOND TO THE ATTACHED COMPLAINT WITHIN THE TIME REQUIRED UNDER THE SUMMONS, UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. IF YOU REQUEST VALIDATION OF THE DEBT, AS STATED HEREIN, YOU ARE UNDER NO OBLIGATION TO RESPOND TO THE SUMMONS AND COMPLAINT UNTIL WE RESPOND WITH THE REQUESTED INFORMATION 8. Written requests should addressed to Law Offices of Mattleman, Weinroth & Miller, 401 Route 70 East, Suite 100, Cherry Hill, NJ 08034, Attn: Foreclosure Department. 9. This is attempt to collect a debt, and any information obtained will be used for that purpose. In the event that you have received a discharge in Bankruptcy as to the obligation in connection with this debt, please be advised that this notice is being sent in order for the lender to enforce its lien and not in an attempt to collect a debt. TI r ? 1 V03 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 Attorneys for Plaintiff File No.: 859.67602 NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 PRAECIPE TO ENTER DEFAULT JUDGMENT DEFENDANT TO THE PROTHONOTARY: Kindly enter Default Judgment in favor of Plaintiff, Novastar Mortgage, Inc., Mortgage in PA, and against the Defendants, Christopher M. Neal and Michelle M. Neal, for failure to Answer the Complaint in Civil Action Mortgage Foreclosure. Service of the Complaint was made on the Defendants, Christopher M. Neal and Michelle M. Neal, via Cumberland County Sheriff Department on July 25, 2006. Assess Damages as follows: Principal Balance Interest through 09/01/2006 Foreclosure Attorney Fees/Costs Late Charges Property Inspection Advances for Hazard Insurance Advances for Taxes Total Amount of Judgment $98,719.68 $3,953.56 $3,479.79 $220.65 $10.75 $977.00 $51.28 $107,412.71 MATTLEMA ROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE ATTORNEY I.D. NO.: 80193 e OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary TO: Christopher M. Neal NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 VS. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 NOTICE PURSUANT TO RULE 236 DEFENDANTS NOTICE 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 proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTION CONCERNING THIS NOTICE, PLEASE CALL: ROBERT W. CUSICK, ESQUIRE #80193 MATTLEMAN, WEINROTH & MILLER (856) 429-5507 q/P/04 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary TO: Michelle M. Neal NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF DOCKET NO.: 06-4154 vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 NOTICE PURSUANT TO RULE 236 DEFENDANTS NOTICE 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 proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTION CONCERNING THIS NOTICE, PLEASE CALL: ROBERT W. CUSICK, ESQUIRE #80193 MATTLEMAN, WEINROTH & MILLER (856) 429-5507 4loplo ? MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 Attorneys for Plaintiff NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 AFFIDAVIT OF ADDRESS DEFENDANTS COMMONWEALTH OF PENNSYLVANIA : SS COUNTY OF CUMBERLAND I, ROBERT W. CUSICK, Esquire, being duly sworn according to law, upon my oath, depose and say: 1. I certify that the Plaintiff's address is 8140 Ward Parkway, Kansas City, MO 64114. 2. 1 certify that the Defendant's address for Christopher M. Neal and Michelle M. Neal, 295 Smith Road, Shippensburg, PA 17257. 3. 1 certify that the foregoing information is true and correct to the best of my knowledge, information and belief. Sworn and Subscribed to before e t is,j day 06. RENEE QUARANTA A Notary Public of New Jersey My Commission Expires 11/1212009 MATTLEM ROTH & MILLER ROBERT W. CUSICK, ESQUIRE ATTORNEY I.D. NO.: 80193 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 Attorneys for Plaintiff NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 VS. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 AFFIDAVIT OF NON MILITARY SERVICE DEFENDANTS COMMONWEALTH OF PENNSYLVANIA : SS COUNTY OF CUMBERLAND I, Robert W. Cusick, Esquire, Attorney at Law, being duly sworn according to law, upon my oath, depose and say: That the Defendant is not in the Military Services of the United States of America or any other Country within the provision of the Soldiers' and Sailors' Civil Relief Act of Congress, as amended; and 2. That the Defendant(s) are at least 21 years of age and reside at: (a) Christopher M. Neal - 295 Smith Road, Shippensburg, PA 17257 (b) Michelle M. Neal - 295 Smith Road, Shippensburg, PA 17257 The Affidant has ascertained the foregoing information by personal inquiry and knowledge and makes this Affidavit with the authority. Sworn and Subscribed to before ma4hi;S day f 2006. MATTLEMAN WEINROTH & MILLER ROBERT W. CUSICK, ESQUIRE ATTORNEY I.D. NO.: 80193 RENEE QUARANTA A Notary Public of New Jersey My Commission Expires 11112/2009 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 Attorneys for Plaintiff NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANTS DOCKET NO.: 06-4154 AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS Robert W. Cusick, Esquire, Attorney at Law, being duly sworn according to law, upon my oath, depose and say: I am a member of the firm of Mattleman, Weinroth & Miller, attorneys for Plaintiff in the above entitled cause of action. 2. Notice, Rule 237.1 was forwarded to the Defendants' place of residence by regular and certified mail on August 17, 2006 and has not been returned to this office, therefore it is assumed that same has been delivered to the Defendants. Sworn and Subspribed to before me thi day ofN X2006. MATTLEM EINROTH &..MILLER ROB N. CUSICK, ESQUIRE ATTORNEY I.D. NO.: 80193 RENEE QUARANTA A Notary Public of New Jersey My Commission Expires 11/12/2009 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No. 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 TO: Michelle M. Neal 295 Smith Road Shippensburg, PA 17257 Date of Notice: 08117/2006 File No.: 859.67602 NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANT DOCKET NO.: 06-4154 Civil Term NOTICE, RULE 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 SET FORTH AGAINST YOU. UNLESSYOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 ATTORNEY I.D. NO. 80193 MATTLEMAN, WEINROTH & MILLER BY: ROBERT W. CUSICK, ESQUIRE Attorney I.D. No. 80193 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 (856) 429-5507 TO: Christopher M. Neal 295 Smith Road Shippensburg, PA 17257 Date of Notice: 08/17/2006 File No.: 859.67602 NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANT DOCKET NO.: 06-4154 Civil Term NOTICE, RULE 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 SET FORTH AGAINST YOU. UNLESSYOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MATTLE.VAN, WEINRpTH,"1LLER ROBER CUSIC ESQt ATTORNE .80193 E w + F Ala i -- • • 1T' r Ln Postage $ Certified Fee Q p Return Reciept Fee (Endorsement Required) Restricted Delivery ? (Endorsement Fee Required) m Total Postage & Fees $ M O S?q To C3 street, Apf. No.; or PO Box No, ??? r-9 a Q t. • Qr Er E Postage $ O Certified Fee O D Return Reciept Fee (Endorsement Required) O r9 Restricted Delivery Fee r9 (Endorsement Required) M Total Postage & Fees $ m C3 enr TR Postmark Here ------------------------------ ?.. ?2 d - - ------ Postmark Here or PO Box No. y) t ----- State, -- %P+-- _--- ------- --------------------.--'!/? City, F i C? ` i ` SHERIFF'S RETURN - REGULAR F CASE NO: 2006-04154 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NOVASTAR MORTGAGE INC VS NEAL CHRISTOPHER M KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon NEAL CHRISTOPHER M the DEFENDANT at 2038:00 HOURS, on the 25th day of July 2006 at 295 SMITH ROAD SHIPPENSBURG, PA 17257 by handing to MICHELLE NEAL WIFE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.56 Affidavit .00 So Answers r0oat'.00 < Surcharge 10.00 R. Thomas Kline .00 38.56,/ 07/26/2006 C, MATTLEMAN WEINROTH MILLER Sworn and Subscibed to / By: before me this day of A.D. i SHERIFF'S RETURN - REGULAR +CASE NO: 2006-04154 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NOVASTAR MORTGAGE INC VS NEAL CHRISTOPHER M KENNTH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE NEAL MICHELLE M DEFENDANT the at 2038:00 HOURS, on the 25th day of July , 2006 at 295 SMITH ROAD SHIPPENSBURG, PA 17257 MICHELLE NEAL was served upon by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge `- Sworn and Subscibed to before me this So Answers: 6.00 .00 .00 10.00 R. Thomas Kline .00 16.00,/ 07/25/2006 Ql,?b MATTLEMAN WEINROTH MILLER By: day of A. D. D put S ri WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-4154 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NOVASTAR MORTGAGE, INC., Plaintiff (s) From CHRISTOPHER M. NEAL AND MICHELLE M. NEAL (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 $107,412.71 Interest FROM 9/2/06 TO 3/7/07 - $6,444.76 Atty's Comm % Arty Paid $136.56 Plaintiff Paid Date: OCTOBER 6, 2006 (Seal) L.L. $.50 Due Prothy $1.00 Other Costs - 6, ?i' ? 4 C is R. Lon thono By: Deputy REQUESTING PARTY: Name ROBERT W. CUSICK, ESQUIRE Address: MATTLEMAN, WEINROTH & MILLER 401 ROUTE 70 EAST, SUITE 100 CHERRY HILL, NJ 08034 Attorney for: PLAINTIFF Telephone: 856-429-5507 Supreme Court ID No. 80193 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANTS DOCKET NO.: 06-4154 PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above referenced matter: 295 SMITH ROAD SHIPPENSBURG, PA 17257 (LEGAL DESCRIPTION ATTACHED) Amount Due Interest from 09/02/06 to 03/07/07 TOTAL: (Costs to be added) $ 107,412.71 $ 6,444.76 $ 113,857.47 4 -? Robert W. Cusick, UIRE Attorney ID: 80193 Mattleman, Weinroth & Miller 401 Route 70 East, Suite 100 Cherry Hill, NJ 08034 Attomey for Plaintiff (856) 429-5507 r '04 ? ? c c 49. .? 1 + ? ?J cf' ^ _ to MATTLEMAN, WEINROTH & MILLER BY: Robert W. Cusick, Esquire Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, New Jersey 08034 Telephone: (856) 429-5507 Facsimile: (856) 964-0156 Attorneys for Plaintiff File No : 859.67602 NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANTS COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS DOCKET NO.: 06-4154 AFFIDAVIT PURSUANT TO RULE 3129.1 Novastar Mortgage, Inc., Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 355 Greenspring Road, Newville, PA 17241: 1. Name and address of Owner(s) or Reputed Owner(s): Christopher M. Neal 295 Smith Road Shippensburg, PA 17257 Michelle M. Neal 295 Smith Road Shippensburg, PA 17257 2. Name and address of Defendant(s) in the Judgment: Christopher M. Neal 295 Smith Road Shippensburg, PA 17257 qk'a Michelle M. Neal 295 Smith Road Shippensburg, PA 17257 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Novastar Mortgage, Inc. (Plaintiff herein) 8140 Ward Parkway Kansas City, MO 64114 Domestic Relations Court 13 North Hanover Road Carlisle, Pa 17013 Pennsylvania Department of Revenue Bureau of Compliance Atn: Keith Richardson 4th & Walnut Sts. Harrisburg, PA 17128 Mr. John Roller Chief Probation and Parole Officer Cumberland County Courthouse One Courthouse Square, Third Floor Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Cumberland County Clerk of Courts One Courthouse Square Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: Novastar Mortgage, Inc. (Plaintiff herein) 8140 Ward Parkway Kansas City, MO 64114 5. Name and address of every other person who has any record lien on the property: None known. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: 5. Name and address of every other person who has any record lien on the property: None known. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Occupant 295 Smith Road Shippensburg, PA 17257 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Occupant 295 Smith Street Shippensburg, PA 17257 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to uns?f?alsification to authorities. Sworn and Subscribed to me this 2 5-"(? Day of S44*Mbu; 2006. Notary Public 1 OG NO UDAY NOWK F1IW OF NEW,IBW Robert W. Cusick, ESQUIRE ATTORNEY I.D. NO.: 80193 r? f `} c. ?-? _c ld> --t' -'i"' e J r?t ` s': ? `_ i ?._? ? -t ?`. ^?? I..... /? ?.? ?+ w , . X. MATTLEMAN, WEINROTH & MILLER BY: Robert W. Cusick, Esquire Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, New Jersey 08034 Telephone: (856) 429-5507 Facsimile: (856) 964-0156 Attorneys for Plaintiff File No.: 859.67602 NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 DEFENDANTS TAKE NOTICE: Your house (real estate) at 295 Smith Road, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on March 7, 2007 at 10:00am in Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013 to enforce the Court Judgment of $107,412.71 obtained by Novastar Mortgage, Inc. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be canceled if you pay to Robert W. Cusick, Esquire, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Robert W. Cusick, Esquire, at (856) 429-5507. 2. You may be able to stop the Sale by filing a petition asking the Court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Robert W. Cusick, Esquire, at (856) 429-5507. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Robert W. Cusick, Esquire, at (856) 429-5507. 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 a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 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 Sheriff on April 7, 2007. 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 ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 ("`l o ,_? ... ?.,,-? T ..---{ _ 'TF ?? ? ', , ,_.1 ? ?; l . . "._: . - _,r_ ? ,.,,_ ?.. __ ?-.., s? 1 C 1 1 . •'L. MATTLEMAN, WEINROTH & MILLER BY: Robert W. Cusick, Esquire Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, New Jersey 08034 Telephone: (856) 429-5507 Facsimile: (856) 964-0156 Attorneys for Plaintiff File No.: 859.67602 NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 DEFENDANTS DOCKET NO.: 06-4154 AFFIDAVIT PURSUANT TO RULE 3129.2 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS I, Robert W. Cusick, Esquire, of full age, being duly sworn according to law, upon my oath, depose and say: I am a member of the firm of Mattleman, Weinroth & Miller, attorneys for the Plaintiff in the above entitled cause of action. 2. This matter is scheduled for sheriff sale on March 7, 2007. 3. On December 7, 2006, the Notice of Sheriff's Sale of Real Property was served on the defendants, via personal service. A copy of the Affidavit of Service is attached hereto and made a part hereof as Exhibit "A." 4. On January 17, 2007, the Handbill/Sheriff's Sale Bill was posted on the subject property. A copy of the Affidavit of Service is attached hereto and made a part hereof as Exhibit "A.31 5. On October 4, 2006 a copy of the Notice of Sheriff's Sale of Real Property was sent to all parties in interest and claimants by registered mail. A copy of the receipt of registered mail is attached hereto and made a part hereof as Exhibit "B." MATTLEMAN, WEINROTH & MILLER ROBERT W. USICK, ESQUIRE ATTORNEY I.D. NO.: 80193 Sworn and Subscribed to before me this U-k" Day of Fr- br v.c,-rq , 2007. 'Ies-L ? ot Notary Public _ HOUDAY IL EXHIBIT "A" Novastar Mortgage, Inc. In the Court of Common Pleas of VS Cumberland County, Pennsylvania Christopher M. Neal and Michelle M. Neal Writ No. 2006-4154 Civil Term Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on December 7, 2006 at 1648 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Christopher M. Neal and Michelle M. Neal, by making known unto Michelle M. Neal personally and wife of Christopher M. Neal, at 295 Smith Road, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on January 17, 2007 at 1950 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 Christopher M. Neal and Michelle M. Neal located at 295 Smith Road, Shippensburg, 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 defendants, to wit: Christopher M. Neal and Michelle M. Neal, by regular mail to their last known address of 295 Smith Road, Shippensburg, PA 17257. These letters were mailed under the date of January 12, 2007 and never returned to the Sheriffs Office. So Answers: e' ?• ? R. Thomas Kline, Sheriff B b Real Estate ergeant EXHIBIT "B" G m 0 a ?z Q V y ao v v ? rT ? N N O? m m n O a x 0 m O M m N W D n N 3 3 w O 7 X I a p" I -41 ?1 NI z C W C7O? c ? 47 ? co X m m = C N n m 7 a z0 a ? 3 c- mm 0 O 0) 7 0 C> O C wcn =r :3 4N. C QO C O fD O t'] r C1 (n N ?? C?O(7 mac 0-0 dnc C.) .0 ma c mgwv m=r O w w o v U' aU) -? 3 vi c -0 3 Nc4T =(D 3 c 3.9. my m ????? U) d (D a ro CD 0 1 T ;L (D 0 O EL T ? 7 ? f0 O 411 y X W B CD ? • O f'U1 Pi rt Q S c? ' } Doa C 7 c :5 > ?1 • ' >= CL X5.0 0 om z va o N rn rem Vyo vtmno vai?? Dtn30 a0Q n 3 . CL 034D c °a c c ' °m c n jyi a D c 4n T Ct+ rb D w.0 °' o 4i1 ? . O bw tD c m Dcio a co 3 3 O co Ln m x m r 00 D '? ? I.- C rt V M W v x O n M. ? p 9 O ri n p1 3 Q H m m• U.) xLo °c w n m 4v CD CD ??©? O w n } rn = m 0 n ?? Ac t?nc v,?zz ( O:D mm 3 a hj 0 N m U W a rt D o a p = ? n ' m 0 0 m j l . O iD m I '? m ?Pges POS;, _ 4 Q?` X)_ -? tee ?, to . o ?+ PITNEY BOWES 0) m O G m O. 01.80° 02 1A _ 0004370382 OCT04 2006 ?m `=n-°•°=m_ m • MAILED FROM ZIP CODE 08034 ' W ma ? m D $. d < and m C CL m <0 10 c m v n? 00 va Tp to T C7 m T Cn m = -n;7 m v m X ID T1 C) C F ?mjt -TI Novastar Mortgage, Inc. In the Court of Common Pleas of VS Cumberland County, Pennsylvania Christopher M. Neal and Michelle M. Neal Writ No. 2006-4154 Civil Term Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on December 7, 2006 at 1648 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Christopher M. Neal and Michelle M. Neal, by making known unto Michelle M. Neal personally and wife of Christopher M. Neal, at 295 Smith Road, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on January 17, 2007 at 1950 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 Christopher M. Neal and Michelle M. Neal located at 295 Smith Road, Shippensburg, 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 defendants, to wit: Christopher M. Neal and Michelle M. Neal, by regular mail to their last known address of 295 Smith Road, Shippensburg, PA 17257. These letters were mailed under the date of January 12, 2007 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Robert Cusick. Sheriffs Costs: Docketing 30.00 Poundage 17.05 Posting Bills 15.00 Advertising 15.00 Law Library .50 Prothonotary 1.00 Mileage 21.12 Certified Mail 3.09 Levy 15.00 Surcharge 30.00 Law Journal 355.00 Patriot News 310.07 Postpone Sale 40.00 Share of Bills 16.83 ? '7???10? $ 869.66 s''?? 39341 R? ?9s'35? So Answers: R. Thomas Kline, S eriff BV J(?' C-,l. Real Estate rgeant MATTLEMAN, WEINROTH & MILLER BY: Robert W. Cusick, Esquire Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, New Jersey 08034 Telephone: (856) 429-5507 Facsimile: (856) 964-0156 Attorneys for Plaintiff File No.: 859.67602 NOVASTAR MORTGAGE, INC. COURT OF COMMON PLEAS 8140 WARD PARKWAY CUMBERLAND COUNTY KANSAS CITY, MO 64114 PLAINTIFF DOCKET NO.: 06-4154 vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 AFFIDAVIT PURSUANT TO RULE 3129.1 DEFENDANTS COMMONWEALTH OF PENNSYLVANIA : SS COUNTY OF CUMBERLAND Novastar Mortgage, Inc., Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 355 Greenspring Road, Newville, PA 17241: 1. Name and address of Owner(s) or Reputed Owner(s): Christopher M. Neal 295 Smith Road Shippensburg, PA 17257 Michelle M. Neal 295 Smith Road Shippensburg, PA 17257 2. Name and address of Defendant(s) in the Judgment: Christopher M. Neal 295 Smith Road Shippensburg, PA 17257 Michelle M. Neal 295 Smith Road Shippensburg, PA 17257 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Novastar Mortgage, Inc. (Plaintiff herein) 8140 Ward Parkway Kansas City, MO 64114 Domestic Relations Court 13 North Hanover Road Carlisle, Pa 17013 Pennsylvania Department of Revenue Bureau of Compliance Atn: Keith Richardson 41' & Walnut Sts. Harrisburg, PA 17128 Mr. John Roller Chief Probation and Parole Officer Cumberland County Courthouse One Courthouse Square, Third Floor Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Square Carlisle, PA 17013 Cumberland County Clerk of Courts One Courthouse Square Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: Novastar Mortgage, Inc. (Plaintiff herein) 8140 Ward Parkway Kansas City, MO 64114 5. Name and address of every other person who has any record lien on the property: None known. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: 5. Name and address of every other person who has any record lien on the property: None known. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Occupant 295 Smith Road Shippensburg, PA 17257 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Occupant 295 Smith Street Shippensburg, PA 17257 I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsw! [falsification to authorities. Sworn and Subscribed to me this 2 5 Day of Se.P6M) x, 2006. --- Notary Public KM 9, IDAY Ii MW FMXOF!EWJlM Cm m h toeB0u3WM0 Robert W. Cusick, ESQUIRE ATTORNEY I.D. NO.: 80193 MATTLEMAN, WEINROTH & MILLER BY: Robert W. Cusick, Esquire Attorney I.D. No.: 80193 401 Route 70 East, Suite 100 Cherry Hill, New Jersey 08034 Telephone: (856) 429-5507 Facsimile: (856) 964-0156 Attorneys for Plaintiff NOVASTAR MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 PLAINTIFF File No.: 859.67602 COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.: 06-4154 vs. CHRISTOPHER M. NEAL MICHELLE M. NEAL 295 SMITH ROAD SHIPPENSBURG, PA 17257 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 DEFENDANTS TAKE NOTICE: Your house (real estate).at 295 Smith Road, Shippensburg, PA 17257 is scheduled to be sold at Sheriffs Sale on March 7, 2007 at 10:00am in Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013 to enforce the Court Judgment of $107,412.71 obtained by Novastar Mortgage, Inc. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be canceled if you pay to Robert W. Cusick, Esquire, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Robert W. Cusick, Esquire, at (856) 429-5507. 2. You may be able to stop the Sale by filing a petition asking the Court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Robert W. Cusick, Esquire, at (856) 429-5507. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Robert W. Cusick, Esquire, at (856) 429-5507. 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 a right to remain in. the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 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 Sheriff on April 7, 2007. 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 ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 2.2006 3:42PM MATTLEMAN WEINROTH MILLER NO-6243 LEGAL F-§CI2YPTION ALL THAT CERTMN lot of ground awate in Paan Tawnwdp, o mbetland Cou*, PennvAvanlo, totedw with irttprov=ents erected thereon known as 295 Smith Road, bounded and deacrbod in sawdaaae with a survey do= by Neel B. Stahl, Regbtered Smuvoyor, dated November 27, 1972, as follows. BEGINNING at a point in the eenta line of Township Routz T-346 at the Vorthwast cocoa of lands now or fon=ly of Tenet South; thv= by the c=W of ft said 'r*wnd ip Rome T-346, Notth the teen (13) degrees, seven (07) mkmtes west, two- httadred elghtyMven and eightq-orA >rundxedcffi (Z87.81) feet to a point at corner of lances of Jay Coble; thenee by said heads of Tay Coble. North seve ty snc (76) dogmas, nay-throe (53) n ioutes East, one hundred fi$y--slx and thing-six hemdrmdths (156.36) feet to a stake; theme by the same. South thirteen (13) degrees, ray five (55) of mutek twelve (12) sxoods East, two b=dMd sixty-rune and d*ty-sevenfhhWWFedd A (269.37) feat to s point tekS the Notth" oomer of leads now or fo=crly off ad Sm kb; tbeaae by said lands now or formerly of land Smith, South seventy tim= (73) degrack thirV (30) minutes, thirty-six (36) seconds west, one hmidted fifty-six ash sixty-three hundredit (156.63) feet to apohr. place of BEGINNING. P. 2/2 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 06-4154 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due NOVASTAR MORTGAGE, INC., Plaintiff (s) From CHRISTOPHER M. NEAL AND MICHELLE M. NEAL (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 $107,412.71 L.L. $.50 Interest FROM 9/2/06 TO 3/7/07 - $6,444.76 Atty's Comm % Due Prothy $1.00 Atty Paid $136.56 Other Costs Plaintiff Paid Date: OCTOBER 6, 2006 C is R. Lon o nota (Seal) By: Deputy REQUESTING PARTY: Name ROBERT W. CUSICK, ESQUIRE Address: MATTLEMAN, WEINROTH & MILLER 401 ROUTE 70 EAST, SUITE 100 CHERRY HILL, NJ 08034 Attorney for: PLAINTIFF Telephone: 856-429-5507 Supreme Court ID No. 80193 4 Wa Ga cz= ea= On= Real Estate Sale # 17 On November 1, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Penn Township, Cumberland County, PA Known and numbered as 295 Smith Road, Shippensburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 1, 2006 By: 9 ,JO 3oMi Real Estate tergeant e? i`v`7iu r THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 24th and 31st day(s) of January and the 7th day(s) of February 2007. 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 ..............*ubb !................................. COPY Sworn to and efore me this 26th day of Februaryry 2007 A SALE #17 COMMONWEALTH OF PENNSYLVAf4 Notarial Seal Terry L. Russell, Notary Public City Of Harrisburg, Dau in County My Commis ' n Ex pi une 6, 2010 ,KAo l-, , Pnn vivania s ciation of Notaries PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 M""O!wl I ? PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 STATE OF PENNSYLVANIA : COUNTY OF CUMBERLAND : ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 26, February 2 and February 9, 2007 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. a Mane Coyne ditor SWORN TO AND SUBSCRIBED before me this 9 day of February, 2007 NOTARIAL SEAL " LOIS E. SNYDER, Notary Public Carlisle Boro, Cumberland County My Commission Expires March 5, 2009 RZAL zgTATE $ALE NO. 17 Writ No. 2006-4154 Civil Novastar Mortgage, Inc. VS. Christopher M. Neal and Michelle M. Neal Atty.: Robert Cusik LEGAL DESCRIPTION ALL THAT CERTAIN lot of ground situate in Penn Township, Cumber- land County, Pennsylvania, together with improvements erected thereon known as 295 Smith Road, bounded and described in accordance with a survey done by Noel B. Smith. Reg- istered Surveyor, dated November 27, 1972, as follows: BEGINNING at a point in the cen- ter line of Township Route T-346 at the Northwest corner of lands now or formerly of Janet Smith; thence by the center of the said Township Route T-346, North thirteen (13) degrees, seven (07) minutes West, two-hundred eighty-seven and eighty-one hundredths (287.81) feet to a point at corner of lands of Jay Coble: thence by said lands of Jay Coble, North seventy-six (76) de- grees, fifty-three (53) minutes East, one hundred fifty-six and thirty-six hundredths (156.36) feet to a stake; thence by the same, South thirteen (13) degrees, fifty-five (55) minutes, twelve (12) seconds East, two hun- dred sixty-nine and thirty-seventh hundredths (269.37) feet to a point being the Northeast corner of lands now or formerly of Janet Smith; thence by said lands now or for- merly of Janet Smith, South sev- enty-three (73) degrees, thirty (30) minutes, thirty-six (36) seconds West, one hundred fifty-six and sixty-three hundredths (156.63) feet to a point, place of BEGINNING.