HomeMy WebLinkAbout07-0025SHAPIRO & KREISMAN, LLC
BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727
LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337
ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: l U ? l?
VS.
Kathy M. Yinger
32 East Locust Street
Mechanicsburg, PA 17055
DEFENDANT
COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH
IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS
COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY
ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY
PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER
CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR
OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU
PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O
NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
SHAPIRO & KREISMAN, LLC
BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727
LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337
ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS
Trustee for the registered holders of EquiFirst CUMBERLAND COUNTY
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3 NO:
PLAINTIFF
VS.
Kathy M. Yinger
32 East Locust Street
Mechanicsburg, PA 17055
DEFENDANT
o -f- .? 5'
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, the address of
which is,12650 Ingenuity Drive Orlando, Florida 32826, brings this action of mortgage
foreclosure upon the following cause of action:
1. (a) Parties to Mortgage:
Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for
EquiFirst Corporation
Mortgagor(s): Kathy M. Yinger
(b) Date of Mortgage: September 24, 2004
(c) Place and Date of Record of Mortgage:
Recorder of Deeds
Cumberland County
Mortgage Book 1882 Page 4362
Date: October 4, 2004
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assi rum:
Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for
EquiFirst Corporation
Assignee: Deutsche Bank National Trust Company, as Trustee for the registered
holders of EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates,
Series 2004-3
Date of Assignment: As Recorded
Recording Date: As Recorded
2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal
successor in interest to the original Mortgagee, or is the present holder of the mortgage by
virtue of the above-described Assignment(s).
3. The real property which is subject to the Mortgage is generally known as 32 East Locust
Street, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of
Exhibit "A":
4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by
the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as
Exhibit "B."
5. The name and mailing address of each Defendant is:
Kathy M. Yinger, 32 East Locust Street, Mechanicsburg, PA 17055
6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
7. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, are due as of August 1,
2006 and have not been paid, and upon failure to make such payments when due, the
whole of the principal, together with charges specifically itemized below are immediately
due and payable.
8. The following amounts are due as of December 31, 2006:
Principal of Mortgage debt due and unpaid $141,188.85
Interest currently due and owing at 6.95% per annum
calculated from July 1, 2006 at $26.88 each day $4,945.92
Late Charge of $47.66 per month assessed on the 16th of each
month from August 16, 2006 to December 16, 2006, (5 Months) $238.30
Appraisal Fees $111.00
Title Search/Report Fees $250.00
Attorneys' Fees and Costs $5,000.00
TOTAL $151,734.07
9. Interest accrues at a per diem rate of 26.88 each day after December 31, 2006, that the
debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other
expenses, costs and charges collectible under the Note and Mortgage.
10. The attorneys' fees set forth above are in conformity with the Mortgage documents and
Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs
sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be
charged based on work actually performed.
11. This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage.
12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S.
§ 1680.402c, et SeMc ., was sent to each individual Mortgagor at their mailing address and/or
the mortgaged property address by first-class mail and certified mail. Pursuant to the act of
December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information
required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P. S. Section 403 et seq., and
separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached
hereto as Exhibit "C".
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together
with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note
and Mortgage and for the foreclosure and sale of the mortgaged premises.
Date: k , C_?
BY:
SHAPIRO & KREISMAN, LLC
Attorneys for
S & K File No. 06-27855
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Pmd Number.
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Q ypm Abr"?W I A" V#& pACMAms
MORTGAGE
M)?t a.ao??0?aoas6aa3?12
DEF1131'F ON'S
Words wW ,ia mvIp;rIn mdmu of ft documeat no defaid below aad other wotds au'e deCaasd !n
Secdaat 3, 11. 13, 18, 30 md. 21. CWAd- rules tegardWa tho unit of wards wod ias du doauxaeat M
also p vvide0 It Seado 16.
(Q "Security 1osbummW albs this 40ta ua¢t, wXkb b dated aapt ombss 24, 2004
toms with an Rkba to Ibis doptmtmY.
{,o) "aasOwwa is • Uthy U. Tingor
Bamww is thrmousgtoc Umm Wu Seanity? bgrafts. .
(C) 'Zi my is Mort$sgo'Bwaoxlia Ra001 0a k um, )e- mms is a "Pam ampowtiap that is
a tbg Misty as a tZOWM tat 1?Idrs aad. LWdd['s mcasom auld tcdps. MM Is rise srartgiw
wadtr *4 ' hm bremlt JIM U drg11i1ind *4 to AL aw, mda Ik Moan at Vakwmi ad has as
auidtess and telephone tubes of P.O. Bax 2G26, FIiW 1014850E-7D26. od.'t88E) 679 MS.
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(?•?Ai/?) toztm
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Lsadef it a eorposalCivst
crgsditatd sad @3:10 ft udder da Im of north Carollms
t.jndeci'i sddt+eesis 500 loran point Ciralm, Chowlotte, VC 90273
{?} "Nou" ? t? pratruasoty ?e sited Iry Barrorvts7 aAd dated tNptaa?cr a! , 9 0 tf4
'Ibe Kota stater tLat'?oamw?x owe Lendec oA. h>swerad loxtr-lour .rhewatdd seed 001100
DOAM
(U.S. $144, 000.00 ) plw intrtjEAt. BoM"= has paoWu4 to ply Otis delft in rtgdaz Paiodir.
Prfmonts sod to pay tiro debt in fail teed truer tbaa act;obor 1, 9034
M " ArIVrty" mew the properY that is dwr*ed bdow wider dte bra ft "Tmnft of Rights is *c
Plop,
ttr.'
(G) "Coats" MM Om debt "Wooed by dw NaN Plus ia<teetut, aoy pteparymtem &mbes ad lots cto"
due treads the Now# m d ail scans due aodcr "t Se=ft fir, pW ittarrat_
(ED "1Lidua" UtM all Riders to d= 3occtiuitY bW memt that at tZeMed by BoMm. 'tis fb g.I.S
Riders we w he cumsed by'BottoM (thc* box as tppiiablojr
Adjusu bluR=]rider C%Av niai'+T Riser Sumd Hom Rider
);aeloon Rider P3ftmud Unit D"op ow Rids 14 FcmAy Ucr
VA hda D $iwocWy Pwa3m Ride Order(s) (RCIAM
Rani Yi00rl prepay (tides
(1) "Apokahk Y ro' (tames all amtM (rtfS apgliosbia fedad, WA wd law .Statues, z'oplutiom
ordbsaa m amd stlmiodstraavc nom and orders (chatbore 016 am of law) aaZ well as all appl'toable fool,
4n??? AuDdWa Dew, Fats, sad A te" meets 00 dues, fba, auessmract and other
rAmgm /bat atro Imposmt oA Boaxotwer or Liu Tt+openy by a wedoublQm sawgion. homopmen
aaa-rri++* nr a muer.ospdagan,
(IQ "Eloctt'msic FWA& TMMAY mestu aqy k=W 6f lltbdi, WO OW d trdaMioa os41COni 17
c'he*, craft. or aims papa AM= 004 Stich is iadri ed 0uoutt ad oleruuaic luminat viephosac
inummet t. ooanpotef, or m petic tape so u to wft iostrua. at m%*ottse a finmr-w iu tion t0 dear
or emat as aeaopoot. Smcb dam inomdes, but is not lWdbd te, point of-sate m msf=, AtlOOtA sed W&
ima 1 me sr>usaedm. nsnsIds toldemd by tr>giboa, win tts *m, ad M*M mad elarmgbo'um
traaAU.
w TACr4w tt"U" zne m,thosa !(same dmt at descmbed is See fin 3.
(?4 "ldfaaeflmreaya Proceeds" tsueos any'mm? sit. award or dateages, at Faceeds paid
by soy Wed parry (other that iasttraoca p occeds psid under dad o?$el desesibW in se??on 5) for' (7
damgpa t+a. or dedttnctint< at thtt P[opexty, (u') colddsanatioa or go= ta17aP of all or any put of the
Ptopasy; Cw) Commynhea is lien of ?; m $V) t?iitC?etRletltPlmn of, or omissioaa as 0. the
value "War oo"tion of the Pmaty. '
(m "lJJkPrJ a iaswtaarz. asreaas aauua prrimcfma >render agabaasa We ooupvtauaar of, ar defbntt on,
the: Lana.
(0) "peliodie psyrstemt" mutes me rgWAdy sabsdaled smother due far G) principal aad interest tm W the
Note, ptme (ii? nay wwunm Lander 5ectaod 3 of rib swutity bnuvamt,
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M IMMWAI weans On Rea Fim Saldmreat Ptvwkm Act (12 U.S.C. 9octiort 2601 et mq.) and its
rmAmehftS rgdadw, Bqaliinn X (24 QP.R Past 3:J00}, as tt0 might be amended from time to
tirsse, sn any sdrL8o0a<i or lCpdon of mgdt mm 64 ?trvEe v to name sabjea smiret. As utcd
iu ft y f *, "RMPA" m fop on nma -
that a1CC impolad is ieptd
&COMMUMM
tv a "ibdenRy *god na c lom" evm if the On W quality it tt KedEld07 r&W am tgsgc
loan' undw RM. A.
nr
na *at?bas aawamed Bocow't oblipaoom uWw the Note and/or d& S mp y buirmni.
TRANSM-OF RIGIi'IS IN TM PROMTY
7ti4 3ecmity InWan e,at seovm m Uodw. W the tepagnnent of to loan. and aU rmwds, sate doW and
modiStarim of dr. Nape: aid m to pufmma nce of Boztwaces wvm me and ag?ermtatcs uodor ttsis
Swm* b*umeat ad to me. Nor dais ptat w. BOMWW slaw hmby mox SAW iw ltid Maly to
mm (Study at =Mbft for I?odec ad Imft's succew a and aadgm) and w the oxc4 mrs and
amigas of MWO du followft de=twd propctty locUed i o the catmt;y rip of Raorat hrtsdocdeay
of t *W2aud . [Naar! e110rore" JUfUdi ddS):
Sam attached axh;LbiL A
which c avemtly ltaa the addmi of 32 ]last: zneUst strait
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CPst: my Asi&m*);
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T4QEYHFR WITH st3 tba i vWm mcua WW Of hantiet spcecterl ae the pra?eety.oemand aA
and tbmtaee AM it 1Waf4ac a tnet Of ft Mat - U nploeiors wad
additiam ih ?obe covered' by this qty buUmm All of ft is .ortad w is this
Security Iastrnmeilt.as the 'Pscpe?y." BOL &ma andwsteds ad bolds oozy legal Mr.
to ths; raeetvats by 8oeruwat ip Ems SaprU IoM moo- but, it ray m C0MJ$y '%% lax or
tsratom. MW ''sapt?d Za+' =ee lot L mde: wed I mm s moowom wad ) bu ft djbL. to mmum any
or all a dme iaser+eats, uadllt. f1+R QOt lltt" ply we Right so Um m trod Ball s Atop y; •ro rn
uft my ?m?actiau 11Qtjtdlyd of I mde:• twrfud*. but am IjubW to. zr?diog Wd cWWJIm this -gaDJ ty
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BOFROWML COVOIAN't:S tint Donaw is lmrWj seised of the came i~eteby waveyed dedbas
the right to morrgagt:. oast and t nn7 the Pmpcm and d w U Ptop m is ttr secu mbetod, ac* foi
me mebtca = of record. Borrows wwmtt attd Will ddatad g=alfy dw tide to to prap4m aaaimst at1
claim Hied demands, subjaa to ffir ecaambrmeae of crrooid.
'PHIS SSC'MTY INM MM combW um0am eovcuds far wdoaA use and non-aftm
aovenUO with limited vacistlonc by J=iWicmom in oaaatinttc a ttaifonu y Insnumwt wvetimg teal
Property.
C1rIIMRM OOYENANTS. Bamtower trod Leadsx caves mt =d stme m tallarrc:
I. ftpm t of • Primdpal, ]Gersten, Fmctaw Ihamm, r npaymeat Cbaemes, red We Cluages.
Borio'aem dhali pay whew doe the prineipst at. ad intraC3t on, tbet WA evUwcrd by the Now aW Way
prt payment eassges and Isle charges dae Uft On Noun. Bamsww &WU dw pay to* for Estamw Maas
putmw to So;dm 3. Paymsmrs dtu tinder d w Now sad tlas S mf? (astcnraeot sUU be reads in U.S.
ci im y. Howm, N say rfeck or other W mmtsas melded by Lad a u paymatu ander the Nom or tail
Smetity twa mem is. tetnnted to Leader enpid, Lauder mey tcgoim dW Way or all mb"m paymiaau
due naft ft Note and rah Seeam Ummmu be ttmZU is am or am of dte Mawina forms, as
wIxted by Lader: (a) ca*; (b) mom7' order: (e) certified dmxk berth 4MJ trtmLmxWs chew or
cwhier'3 OW A provided any Etna chink is it mwa upee as intftmm whore tleposin ate umrad by a,
fedad Macy, iaamummmUty. or mhy; of (d) Elaotn & pmtlf 7xga dw,
PayAn=ar?t_:? Nonmed mredw A by IAmder ? ttitpved ? sbe loeuioa designated iii the t+fote or at
M& attar tMd0A b AW gh dOMW to L+e*f iS e000r& tr MN Sk M'K- r-"*" is Secdoaa 15.
Lander My Tamn sty payment of p WW pap=* if the payment or pndd payaa = ate ioraffmieat to
bring tit Loa Croat. Linder may accept Way paymaat or Vaulter p*== inert Mdmt to bdag do Love
ctureut, wimaeee waiver of Way tidy betenadar aar Pr udke to its t*U to mmAw such paq amm as partial
Paps is dw fudtre. but 1=det h not obEIM t0 apply loch pgmcw at tha time snob pryer mm. errs
accapkd. It W M& M PJ)LnaR L epphad at of itt rte -'-a A- /ToM thm Under need not M
h tm* an unappited IWWI. Lo &r may hold retch umap$W t'Jmmds vzQ Bon nt maka= prfnmz to 6 ing
The Loan sorrier. If 13000 per doe not du so *Ak a sceimale period of Am. f ender stall either ap ly
sick fob w memm Auer w Bortoaer. U mot applied caller. awes f+mads wW bo applied to the oamading
principal balow under tba Now itan almly prior to isttooiawca. No oamt or cWw wLich Ronovia
MOT h-- mm or in tlrs t'atute agaim" iemder sbag zelione eattnw fitom mteldag payments dw under
the Note and MIS Saarity Ia mmwot or perabrmlag 6c armut at Md "pMeal srmtnal Ly dibi Scmicy
Itttu0Cat
2. a of Paymaab or PCOMtlo. &capt ao odwwira deatmw is Ods sm4aa 1, an
paymcots accepted and applied by Um a do to APO" Sus ac faliowimg erdsr 4f ?"- (#) Lauren
dac nmder -dw Now. (t+) principal duo tumdat the Now (c) Am= dart under Smf m 3. Sark paymtmts
:bull be w each Ptotlt+die Payment is tie order in v*kh b became due. Any Msbft suauutsti
:hall be agpiied &a to We dbatges, somd to any 999 a w ak due under this Sasstrky Wuumaat, and
tbea to t dw pri ckw botamoa atom Now
If I.tnde[ receives a psyawt fts Borrower for a ddimgwtmt Ptrriodic Psyn" -wkkli iaslnda a
ev1'&eleat amaw so" ray tau tixarge dui, 6v primmer may be spgtiad to tltt; ddWqum paymrat ad
she Ism tbarp. If sa m Om otter Pcdc& Piynmeot is auaw ding, Lowdat may apply my p0mcd nwival
fim Borrower to the repsym at of the Pado& Paymcmts if, amd to the extent that, sack pqumt
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can be paid is fait. To the raeteat that any e=eu cdats alter the pggwe ut is appldod to t w td payartent of
Ma U MM I vdWj*atr Puyamaa, FA cu= my D• appiiad to my tat! el?, JK $no vnIMtM7
pzcpaymcu ftll be q?IW IM W atly ptepa vM eattsga add= as dptCn'bed is the mate,
Aay QWHcatim of paymoeas, laratrsaoe proeaeds, eft Mixetlmoo Preeeede to pftdpaa due vaadat
WC Note Ibali W UM4 W poogmu the dtue dirt", or rbs"r *A amount. of me periodic Pavnoottrs.
3, 70 6 M, Duaw bm. v am" do pay m Ltada 9e the O+y t?+r. Pgmeotx am due
=du mo Now, unit rise Now is paid in full, a ::M (L -PAW) to p[ovrde IK p pow at zin= am
for. (a) totes sold aasessttor? ad od rr law wbtcTt eaa foram pr€osity over this Secadty bdramamt as a
Ideu or c=umboaft oa to PtOpetty; (b) lmcbold payments or groW Ruts em at Property, if my-, (G)
ptemjnms ,fqT soy and A insur+m ttlgtfired by Leadw uaadez SoFpos S; and (d) Maw hWjtawoc
pxvwum, if my. or my Am* pie by Botnowea to I?aoda is iim of floe payrpmt of Mortgage
Ys .P.1 t.rr+ntdnts is aooordappG vM tbs aasrvkW= of Secdon 10, These imu are taeiied PB=w
Items.• Ai odgMadon or-at any tiw,e dwing the terra of tba Ix& Lerner may regtum that Cotmnmaity
Assoaladou DeuO. Fw. and Aacummu, If spry, be na cud by Boazo'erer. and M dates, I m and
aasea> "M AA W as P.uxvw loam. Belpre w *AU WOCapdy i4vub to I adet ati nosleacs of aYII01tat3 m
be PW- ad,:t this SSocdon. Baszowa slot" puy Leafier the Foods Sot ftmw Itrm u unless Lu da wawa
Borrower's obiigadoa to pay dpi Pu mb Ear my or au Escrow Itun, Ludcr may wove So wu's
obfigafion to pay to kr6rlW Pmtos fir my Of all RWWW 1=6 at ABI di*r: Any Tech WdM mop fatly bo
iu "AAWg. IQ Ik MA Of PMh wWvati DesOM 64 ptaY di-My, whrn and v%m Mahle, die m aimn
doc ttu aqy P.scsow ltema ? which paryatrenr o3 E>mda Las been watvrd by Ltwdast a»d, if Itendtr te,quats,
st,avo f> m Lender evidt7fCitlg en?b pspraaetor wltteiq arociY tine pe?od Ltwdtr may ropers.
Homvr=1s ojodoa to m aka suca ^jgfdi8 jW m p ft *aa AN cif inuymn It dawA to
be a Wft= and agoemoeat o6taind In thin &Pz dty kstrumeu. as the Onus "W"= eed agit;n='
If wed iu 3aAcp 9. If ftwa = is obIl pond m pay imew Utm dbmdy, r%irmw in a movor, m i
iiortok= fiWs to pay d ft aaaoaac die toot so, Eacrt?w IMC. Lcoda MW ere dW in 400 Wader Socdon 9
ad pay suolt sawwr and harpoon al 0 I= be•obidtasodun a $sodom 9 0o repay m Cadet pay arch
wam Leadlt x q tsoub dz wawa as ao aq or at Etorow Jta= W my time to a notice Ono in
aooordtaloe witty Suction 1S cad. qM IL4 tovandoa. Boaowa am pry to FZD* all Foals. and iIQ
sorb ancho% that are aft tegaired coder obis Section 3,
LM ft MY, Vk=Y u'ure,.wlla.t uad hold A443 in as amoaat (a) ntf6eiaat to pomp Latidav to apply
rite Poach ac dry dmo spa i5ad unilm RMA, sad (b) oat to awed the mat imam swooat a leer cap
require under RWA. Icul 94 csft* tbo smoumt of Futada dne oat the basis of earssat dfa cad
==oak mdmetu of eaapea"M of roan &c row Iter>u at oftmi c is sooor$am v ft /Applicable
LOW.
the PW ds Shari be held m an i nlitution Whose deposin am iosaued by a fedeai Agency,
bmwoom&y. or eaf* (wile sos LAW. It Ltta is 1da WatlWtlUtt wkm aiepwts at so idtt4) or in
aaay M MA t wnao LOU Bade. LGWX choir apply the FwaW to pay tits RK-9w trwi nn law than dte dace
3pWOM ortuda RB> A. Leda dwil Anrh W far bo'A:.' and gppivinff " Poses. 2mulatly
OSSIyZ?!dg tip W.WW aaoaxaawt, to it airl kF rho Bwrow I POA Ulm Laortss psya ayvsto+res 111tv"Mt• ne ,b?.
Pun& cad Appiioebie.Ilw pamlts Iaader to rt1da tsA a c AM& U7m%U an a,p ument U cootie is wd6n
or Applm blb Lm RqW tt Wwm to be VW wu dte r?mds. Isador Ad on bo zoquirtai to pay tiomwa
avy ieruaest or oaraiats on rite Pow$. Borrower and Leoda[ ca Ma is uaI*. how". &ar iatrxtat
560?a?3
-OAIpJ111atou ra,raN,e thin 3099 Il'Ot
s
8K 18 8 2 PG 4 3.6.6
991-3 820/100'4 89i-1 -aoJI maV10 9082.10-290
tie r?r vu 1L.:!4 rivin-
T-381 POS/26 D-603
AWt be pall on ma F=dt. LCWW d A gtre m Barxowes. vridyom cbMge. an'maweW eaouatiag of rise
`. Funds as t+equi a R WA.
It flaeil if F P aninim ?n? u stf rub W In ea ",M wdat IWA. Lendar shall a o u mum as
BotfClW for dta W A% tcroes tm me a+damoe. vim RMA. V16ota fa a shaW 6f Ptlads hdd iu mow.
as dermW uhdmRMA, Leader shall so* gamma ao zrgrirad by RP3 A. and Vonvvw shall pay to
Leaden ma a= = smaury to mate tip dte abort V is aoooatm W ht nVA. but is oo mm thaw U
moeft payments. V bat is a de6eaeaey of Pd;dt bell is oaaas?. a dafiaid'mks IMA, I em -shall
va* Rar mwlt m mgA*M by-RWA;, and DM OW &W paf to Lander rife now acacriary in make
up ft d0fiaumfp iii xvi-A-il wld RMA. but iA W more dsn 12 mgmUT pzymmu.
Upoly payausa im fail of all same &=M 'by dtis SwAdty bs mmM. Leader shall pro MM
to Bormwor My Fvo* held by Lxm4er•
4. C,hsgm; Lses<t. Borrower ahell pay all tam, asasm ate, dwtM. fma, ad impoddom
attyib+riable w the Ptvpetty wbkh can astaia peyoegy ow ibis 30=ty Insu meat, lrawhdld payments or
Vaud tab as the Frvpem. it nay, and C,o;mr may Awodatiom Dues, Fees, and Aslessmaats, if nay. To
the cxtm that mere imm ate F.atava hens, Borrower IMU pay them to me mariner pmvu m in SEC60 3.
Botimu 04 ptomAy diadm a my lien t bab Dan priority over thin SaCitdry jaamm unlera
Boctowrx: (0) RPM -in WrXWS m dw Pr/mad of tbt: obliptiao seauted by the UM is a maaaet aooapable
to i.ender. bm QdY ao aoag as Bornowot is pafotmiug w& qpvmmt (b) aomiests tlae lieu in good fah
by, or ddands agaba atdmumad of du lira in, lco ptocoodhMs wbich is Imadsr'a opi*at operate to
pnevem the eaibrc+rMM of ft rasa wb& dose proeead'cngs at peadiat, bnt nary owl =4 proceedings
arc concluded; or (c) seeata fitam the bola at me lion an aSreayxat satiefastozy to Ia~eda svbasdWa m
the lisp to U SACMMY ItygUUMU. If La dof dowla on mat mw r- nF ti.e Pmp@tV is Sabictx to a lien
which c y Awn pa* Eva tldt 3W.v;.ity Ls+trameaL Londot my gi" aaarow-• - nmiew ida+i du
lim. Within 10 days of the dam as *bidr dear notice is asrm. Boagvm aha11 sm" lb rise w take me at
mote of *a aaaoos set fort abase is rids SeOAM 4.
Under 'say rao= bmmwa to pay a m t m dutpe for a real came tut vaiBesdaa aadlor
mmttia; =vkv vs4by Leader in =m*;Wm wilt ibis Lola.
S. Property Iaatsamm. 8ouosds stall Imp me scats now ex mk g of bezedw aaxed as
t3te PtaPM inlnted' aid= boss by OX. hWP* MOW whelp dm resin •erttraded OwMSe.' and my
other b mr& iacbtdi* but not limited m, em6saMM and Sooft ft W UM Linder "Vim ineamm.
This izsuranx Shall be mal abW In dm amaamh Waft dedutdble W4W aid for the periods deer
Uader tngtdtas. What Iradar tegnim Pau= to ms pawdin6 sea cocas Cm d=P china ilia terns of
the Lam The 9asaraaus wrist providing dbe bAvam shall be s0mm by Bo=ww anbjeer to bender's
right to 41eapprora Borcoa+at's dwioe, whim rlglu abaft not be ezndma uaneaaomably. I.esder snag
tequim $ohowar w pay, in c*n cdom widr die Loma, d6a= (a) a ov&.titme eimp for. food roue
dearW aodon. ca'dr6oWm ao uadaq seavica: of (b) a m &d= dratge for >lood zags 4aW miaNoa
and wtlBys&u teaAM ad anbwgv mr dmVt each tithe taoopplaga or :ill, CStaatges awss wtdab
(saauuably MI& MW "M dotcimwistlatt of oerdAgWon. Aoaoaer dull Aw be mpaasihk for do
pomot of a w fees impasod by ibe Pod" Bmwtwq )A m wmt Aeocy in corm awn with me
se++ " Of My flood xotre deftmiMdM reasideg fuss as dbjod* by Borrow,
560433 Ir"aw I/ L4
ft"IPA) m2m '?064f to Fona 3M 1101
BK i 882PG4367
Se" 910100014 SSl-1
-oil N00: 10 9001-l0-3e0
.. , 1L . J'Y rnun-
Nai
T-881 P09/26 U-sea
It Bonw= hair to N iown any of to Wvaraga dpatibed &M, I.Catkx MAY obtain ism amm
oovaage, at ].Lender `s option 0 IICrtOwtt'a: apew Lander b taaada no obuIrAw w ptuctm any
pallid' IM or muw of wvmgc. Tltifemi sA PMW. ?bott -:n r lender. bur tdplft of antldtt
M pvMa Bottom, 9davw es equity is du PSOWfy, of *6 aoa tats of dlt property. again guy ris>r,
bamd at Wbi)3tr sold might p"Vide i*n or teapot wtnnage tlM was pabviowly in atfea. Borman
wkanwle tw rash dw cost of do issorm COvenp so obtdW aadgbt aig0i8mdY -teed tbt cost of
isasw=w butt Bonow canal lave obbdned. Aar atttt?umta t>isbotsdd by L IM varier O b somas 3 sbail
beK ie addidoog debt of M= mw =w W by thin Swnity Ita,ntnas M. 7bew wlia as dM bear rotated
at the Nate rat btano the dax of disbumm u and MO be payable, with such intm2% upon nodes team
Leader to 8otrower tevms ft papment-
J1II imumcc pogdas T*iM by I.dtdeat uld ra>wwals of sech poiidm shalt be sadjcst to hander's
tiglu to dk pptwm and] poliatts, s1tW indodtt s sundatd mvs W cW%m and 4WI name Lando ss
a> nj*W wMi;sa as xkHdomai sou pqw. IAoW shall dare Me d& m bold the policies aed txtwwd
wrl:Mpme If I.? mp+era, Asmyunw atilt p UROY Ove to War all meip13 of paid ptemivma and
ism9ewat noxica. Ii SwTowgr obabs my fum of biorwe coverge. cat oMawim tetp irad by Lada,
far dansspe to, •ar &SnCWA Of, the Pnopatty, RA polity shill ineiade a KUKbwd ==Me clank ad
ahali w= I a mortgagee sndlor U xa additional lac payee.
m UK t'.MR Uf 1Ult, llkulusw AM Oe Vmo art 2ww.rswM PerAwr *nA t APAPr. I mdet
may males proof of loss lariat ma& pwaptly by Bo miner. Unless Lek ad Itom mer ofltawdse agtra
In wdf g. aayW*ww= nx.medl, wbeeter or wt the smdalping inawoce war rogWrad by L=da. sbW
be agpRed to rk wgd*4 or repair of me Pap". V the teitorati, or iWair is eooaomirany feasible abd
I.aaoerr's secaasitlris not ksmc& Vadag ad up it sad rem atiau period. I.eaaet shall bane the tight to
bold gust ibNtttrA ploottds Mal wndes be had in oppo"wity to itm p wd Prop mw to Aos m the
wont IM Demo e41ega3efad to Leodcea sWshaiaq.•prtaridsd data >aad WVect;m rbatl be un&rtaken
piofnpdy. Lemke may dtfb=e proceeds for ft xpab and mtoraaion im s sbagle pmt or in a series
of progress: psyloaata a, riot want is cOSISPlemd. Was an apnso M is aaftrde in WAftf or AppUabk Law
to uhm imeren to be psdd on sock imauasre prroeaods. I+eWw droll coat be ngaited w pay Boaow an
bumM or eatosinga •oa rvdt ptaemeda. F= W pamlt: MOSIM. UL udin Out paudtia. tomiAod by
8oa+oweY' shW a0e.be paW otlt oc Ibe ibptCdnoE F?+ and chat] be rte a? obli?adoa of .• If
the fwamtim or repair is iwt voamoa>:Iedly tkmble of l;s aoentity areuld be tessenod, thc'inswo=
pfoooeds dhoti be applied to the same aeeatW by Sh Scan* ImMummt, Trbcdler w not duce doe, widt
the r.XWO. if My, laid to B=Ww. Soda Wstn WA pi'uM IM be el UPI W Ow vNtr ptovidtd for in
Sectfo?a Z- .
It Boxtowet aba &= ft ptopessy, l,auaer asp Me. aegodm cad cede any a4llawc i>spnraocc
aft and relved-now. X Owtower does ax regwd within 30 dsya to a aotke from Loader that lase
ia? rattier ]ac' deleted e aenle a ddalta. dm I nodlr (clay ncg*dm cad reaft dw daiaa. Mw zta.day
period Will begirt V*M the tactics is Sweet. m Luber I I . er if I,?loder =0 1" the PmpAfty Under
Seaim 22 or wUmim 9onawer henby aasaigns w Leaft (A Datum's AghU to my bwnw
pt0oa7 b iu vu aurn* not to OM W do INOWtl AmTs;d m-ner duo Now or this 8waft Iasotonw& and
(b) nay other of 9oimwer's rigbts_(otlser Ow the 6& to my tekmd of vnea=d poeaiv= paid by
Borrower) met 4 itt nm= politm Flag the PhTuty. insofar sa call mom are sp&mble. to the
oovvrW of the Plop dy_ I rider mAy we dos hnnow proceeds *Mw to xpd r or mtort Vx Pt VcM of
to pry 3wo- unpaid nasdw dw Note or NO Secnrify hoot ocot. *be&w or cot then don.
660133
4.AAtPA) aloe ?p-s .r , 4 64? F c" 3033 1101
BK ! 882PG4368
B@!-d 920/100'4 iSl-1 -cold MOO 10 910NO-a"
T-381 P10/26 U 6A3
d. Otaspow. Bon*wtr call nonW. t rmWsb. mad uto the Pmperty as )aoawver's p&431
roaideaea wid" 60 drys ffie ft ttteman of this Seoarily boament rod dbadl coubmte to 60" to
hop q as BoMvmt'a pritcipd traidesor for m least me ym aft Clue dam of emopracy, add I.eader
u&mwimo apa its wig. which eaoseat shall not be =mmo mbyy wbWWd, or uWass vonoWne
dAmmis es shirt Aid too Wy and Bottotsa's mod,
9. Prrgr.stbn, wee sad of tie Pmsperty; lwpwdm. Bo mow edttwl not
dectsoir.' damiap or. itnpaii ft Ptttpa ly, allow die Property to damiorato or commit waste on the
Property. Wbc&a Qt Ant Dwown is too" in do Propeay, Bomwee shall maiataia &C Yrapetty in
Dada to prt vemt Me PmWty ftcma deUdOMW of deem odag in valmc doe m ita eoadidoa. Ualm it it
dammimod prow= to Stns $ That tupsk of reatntatiott Is lot cW40 o belly file, Bot v*a AWL
promptly rcpsir the PtvpeM if, dtawapd to avoid hudw domrkvAen a daatage. If lasum u at
candetdii jl pWOU be paid in eoMwfm riib 4OW in, nr Obc uliny of. tba Pmvaty. Mosmwet
shall be tasponsible tot tap*W& or taftoft Ike Property mdy if L?cador boa ralwr4 proceeds for such
putposee. t,ea&r may tlisWm ptocWs brik repeirs and tesmnd m its a tb& paymi or in a vAm of
cru mss pgmans as the work is com$NW. If the imsmatme or coodemuad tt pmoeodt+ are not mtrf5dom
to repair of teem dte Propetty. li6&01>uef 0 lot rdirM of DE wne3 obligation for tbt avaagieii- -F
such repair or rctroratiom
Lander or I% agatt mdy mate maaatable amrriar Opm and intpuodona of Ike propem. If is has
resemble cause, Lauder may bwpoet the itttOttot ut the hWommm an On Pmpaiy. Lender dWA give
Bormwar wallet u tbtc time of or to malt a kmKkir iuatpnsdoo rpeciPAS such st amoosbie cants.
s. Hatxowar'r Lama =m- ltorto"t 101 be ffi 11eWt it, during ftIan opp
prom". sn3 C"m a gay pctam or umna Own a IN dtttctiom at Bomwtu or with Boaowa's
lmowlodgc or 00=9 Bane mateediy tblse, mis defts, or innxortta isafotmad- or statcmamts to I:eodtr
(ur IPIM+ n, 1„nvi& t aids maim al atumAK4 its co=mtwn with thr Dart. ]rlatarial
rCQreaOot dam incluft, but a* not 1Wdkd te. topeocusdam eonowsmg lidmwwj oemrAtmy ud' 4te
IRopaw mi Bormwa`s prinapat rt sioe=
9. Prvtugou of La Wo ><saraeat In tie hop* sad PJ bi9 UAw Litt Bseostgr Imtaaanart. If
(a) Earl ma bgs to pKb m the wwaznts smd aBttg "M co RbA IA shit 30auuty LpWVUWt, 0) Ikea
i6 a legal, pmcaediag dw ntigpt sipltleady sd[eet LaodWs fsmdcar Is-*c fttop my =&or tights Hach
this smft ImatngtW (st)ilt as•a pco m tra in ba iomM. pmbame, for coademudom of fotttriaue, for
enforaeoreot of a We which may emsfn piadty am this amm ty Iaatetm at to a 11,tee laws or
m Wations), or (e) aoraowor bas mbadc" dm hOpatq, siren Ieaft tmsy da and pay for % is
trasotft or rppsapria4c tp prartct Lender's intetat to tbt Property m d debts unft this 5matity
Iosetemtant. ioclttdinf gtorectin6 Oftf asttas4 the Valve Cf &a hop". read rectums adlor repairing
15C PrePetty. Lmdet's aadom Ceti mflllde, 09 W WX llwhal tu. (a) payioe rdy sums saoatsd by s lisp
%Vhkb bu pdmty evtx $tta SOON* burr 039 (b) appeafmg is mm; mod (e) paying fasomme
sttomgs' fits zs Ipauxt in user in tlt0 Pnptey =&or don u Oft dull $atJYilty LasbIMM . iaCb]din$
tts !lt3Emi pusiuiaa iu 4 brtrldopooyr p i, RMA-Z *m p*npvV inelvdet. but is not
ltiasised ter,
antorfng the Property to mate tapaisn, dL=p locks. cqA= at board up doors wad vjllftmw dsma water
fimu pipes, dbub m big or od)ar code viaWim or dmgpm a ooaditim , and k vs agFLWm mmcd
on or oJL Aldwoo Lendw -my Mha m don Imdet *k Section 9, L.e a he does nm have to 40 so wad is m
uWa amy My or obi to der bo. 4 is tt and to Lfts r iwm no 9"ly fair rent ukmx OW U ail
sc*m anthcribed mtadar tbie Section 9.
560433
OVAICA) 10mb ftm s a ?• tbnn 3030 7101
BX t 88.2f64369
891-4 q?VDIO'd 611-1 -m,f odes,-tO 9062.14-m0
.??..ra rnurj- T-381 P11/E6 U-603
&W am+e ttAax disbtnmed by IaWa vWw mie Sea= 9 31Wl bum= a Wide al debt of Bummer
secured by rata S=t Inutnt m. Mxu um um attntil! bar ia? at W Now ram iitlat the date of
diebtttasount aad nbdt be pij*b. with try tamnst, upam aatice flam I,cader to Batown cegveft
paywcut
If fis 5o aft hSa mw is as a knehala, zaa wrc sh?dl ea??y with all 60 prnrisioos of Ow
lease. If Boaowar wgaba tee title to tie Piopet'ty. me MaRdd iqd the tee two &C w mope ualas
Ltsdat 016a merW iQ evs'itiag. alciu8 the Loan.
m"
in. U}'iellur 1f l?admc aogoaM Mats ice""„? wlndi of
Buis w "p:y ft pres&m =vipiwA to awiN 4 dke Vwwp bvw mcc is off ca. If, & my veLw o.
flat >lrfo Ilx retptitnd b7' Iradrs txaee? ro be st?raittble ?t the mattZaga iaetA?e= tisac
prwiaa* pmvided'sn tit ias M;s sad aaffawer vM lgt ised -to malae sepwady r77
UMM4 the premh= fat Matgap lamemme, aommer dig pay me l?t MMS m4tosed to alat
aurerage rebsnaisfiy sgaolvabst to the X ar IAPZ M pa?wiosdy im effoa, at a oast snba stwy
egttivwm to die cost w 8OMM of dke= IasnrawA pnvwtWy in e&a. irons 10 al now
mortgages WSW selected by I -, - If sA aootisay egnivalm bfaapp Ltsuu um coverage is not
avwable, Boomer altali caraiaua to pay to Lgtdct the warm t of the aaE+ne Wy derapoa pgavw3 met
avato doe:ahm the mswwaa asirvW ceased to be in efet. I?eodl:r v1 tripe, uae and asain dteae
paymctsp es a aan-irjistdable loe$ m9c0a In NO of !`[t OMO Imtarwa Stich loos rMM tisatt be
lao&wdaa bbk. amctvidtstsaaS4 W ft el diet titre !.coda is nil uWdy fwd in f4, and Leader shat! M be
P-rimd to pad Sco wrCr any kdwaat or eaaign an wcib tm xaarvr, reader ear nn laser :9*dF ions
MU" M If MtmFdgg 10091mce ao cW (34 W WAM MA ldf ft pKM) tleu Trader rcgdM)
pmvWt i-im aderred by Leadu oft becomes snaiisbk, is dsibm, and Leader m9itms
aegarataiy dcfipated p 4MM wiv6 nM prong= for 1ldasc- 1aTaraarx. it IAMM klquRa.ldaangage
Wasaaa w s ooodition of mak iar the Loaa and Ba mwts waa mgttMd w MdW 3epWWY designltted
paymsms toward Ole rr duw for Mottgsgo Was=. AaarswCr dW pay the preolm sergauod to
madaataia MozzgW !weft in eftecs, at to g wft a ma-nfaad" Ion xeaave. until T&ndet'a
scgaitsmcst fat 34m me +biwanaa earls it aoeosdpee wi* ay writrtse agletsoeomt brom m 19orroON and
Lr2er peovklitil for such par: Works or ad commotion is tgnitod by A.Zft bk law. Notbiag is dtis
scaic a 10-aHecq Bonwwcr's abtigsdan to pay iatapl U to tae pt wkm is at Note.
page Jttp wm t+duabaraa Laden (or any oft that pis the Nom) for oeraain loves h
M*+q_ ?bM if Bat=s rer dabs ant lepsy 10 LOU ss agame. Batrowcr is doe a potty to mo M49"agc
lwwMM
xaaulaage insotets evalww dwir rant risk on sit swt k nnwe in ftee !Foot time to time, smd tray
e sta NU uglewmuta vvim odw pardis *0 *M of we" *Wr risk, o,• RAUM k ow. Zbeae aa.emtersu
nso on straw smd 096MIM11 Ass Ilne sadafaaorr 10 the sp Mip itaw and me adore: party (ar pv2lea) to
Olt se ftMW.ML '['1;asc•agteemests snag aegnra tbs n0aetgage inatstss to mak * psymeats nan6 MW 9dtlft't
of Am& that dta mmattgege imte= msy hwe awadlebte (w*b may Mato f ands abtitima Most Mosyapc
ftutsramoe pseminsaa).
As a Mck of thasc 99MUM, Leader, my padwer of ft No% a+ cOn Wm a. ltd' ttb}11 m,
any *am i mly, of my slMU= Ur 1ny of the 1608ft. MY epelvs (doody ee la w-, Iy) }M,+nts dw
derive fiaw for uQtbt be dsaraetezed to) a postiaa of Borroatt a plgrmemts tw M WV faanranoe, la
GJ[dllaDae tar aisatin Af mad9 *g the mw*& itllutxfs tdllt. or led%* susses. Ir SMI gnss m
ptovidet *at ;m a f?,,?o,_f, bender talus a abw of to iaat w's rids in wokop for a am of the
pteniumS .to ft UM=, to atnogdaaat is oft" Unned 'UPI! : rah mlif'a u., F91*w,
(;y AV sw* apse OM wll! sd i ad no memo tilt 1Ranower be sgraed to pay for
bee a hnmi*. or may otbw UM of the LM. Bash svroeda " NM I t batxsae no =,"art
Dmvwcr 00 awe•fbrMwtgpge II mute, ettd tlky ww wt soul: 1=9wer to say idlmd.
S60s93
(,;Mrwl Fee" PM I vt Ilk FwM 5030 teat
$Kf882PG4370
Sli-? 920/110•d 661-1 Aoii W11:10 SOOt-lO-200
t
T-381 P12/26 U-603
ro? AW.sueh.sgte"OU WM wt sQert Ilea rye Bnmw r has - it aver • with mp a to tba
NkWp ana mi,Hometwma R'eeeetlns Act oI M ot'.mW atbv Mw, Tb w rib
OR udasde to debt to tredre Catalo d4d"Urm, % "Pact aaaa. obtada am mdrathm d dw
i*rtvi bsusAm; to haw dw maxtm Iastaaaam ceraadnw tr>etaamKaft, an&gr to "Cabe a
i"r1m it my mmvw bpmmx O"Wum an Were sm mad at The dmt of via oacd6tiots at
unut d". .
li. Atqu?uaaagst o[ M?odtaaaona Plots Ak Bottetamc. All Mis?c Proooodc are hereby
wipe6 as wid.shall, be wW w Lax &r.
If doptn warty v d?amRad+ surA Dti?tellatsear>s Psvateds Shari be « ied a , esrasarion ac npsir of
the plopem, if Ilia nslm*ou of tq aar n ecaaoasirW %W k mtl I. xWj smaadty is not 'moo
D uM lat MW aad rabmft paved, l WAW"Lave the right to Dodd such Mis 11mem hecftds
tmdl bas W m WuAmby to aatpect ac Propeeq to, cum the work in beta eompl*W to
[.r.adGs's udstudon, dal that mb ivxmWam dW bo uada:tt Am pattamp8y. Leader may poy for the
r+epdm ' sad trYtotalf 4 a in i single disbtanmm or in a atko of proem psymeass as dw work is
comp md. Unless as apeomaa is made in wriattg or Apptieshe Law n q aes inxmc a be paid an M&
Miscellataeoas Ptoa:ea U. leader *A eat be mgwzm to pry not"= any iateaat or andup on such
bfiVAwm= Ptopma. If t> m tatorwoas er repays is not ammonecally k=Vs Of Lradfr'e sodality Vmw
be teseeo A the Uis dumeous Ptoc mb sW be aapp1i9a to ft some w arsd by *b Secmfty Irtsmmeot,
vbe&a of aort>>,a d=, widrdte cxm-, if.wy, poid to Senwomr. 344 Misedlueons Prooeedc 94 be
agpsid In tM ws rt"vt' pA air in,%Mi r? 2.
In ft cveat df a total aslting, denim or loan !a'value of ft ProM. the Mismumeou
Promo aW bt applied to ttte mm secotsd by U Bc=ity Iastrm=L wabedw or part ten dace. &ft
ft amm, It =I, ptid to Bolre m. .
In-me ava0aat. of a partial taking. aL umcfan, cc loon %a valvo of the PtOpeay w VA", dte fair wukca;
value of the I'tVMty immaWdiasdy bObw dW PM W ulfag, dettrmc&d. 0r Im is valaae is eaiul to or
®oater Shia so aaaouot 99 at sum 1t'(om by tip SetDdry 1mrlitttlm 11410e•MIRPTY btfeM n+f pfOW
Wm Arad ?7 WS SecasaStq?Uastruaaeat " be n dwd by to mms- of t ltisa ceft eom ftKeeds
maaldptiad by Site hl1OVbg *00ta. W abe total amo w of the max mmead iaearge0iarsly beam ft
pardW taidof,. dcatructim. or 1bu in nluc divldod by (b) dte fair saaadxt value >af the Yropetty
iimmedi=4 Wft. t me pattlat•taahiag, dwQ%GQQ. or toe` in redact. Any balance abaU be paid to Dow ma.
la IN mw at I-PA ul UMI. tlattti ON. t, mm m V" of me Bll"y ta mm tan u' mma
valeta. or ft'PiopM ir>amb ady bda the pwW tatoag. d=u m. or 'ion in vafam u ku tbae the
sdltiWlt•?Ot m!•t'1i{>it !?!!AttlA ifanaetilsatti>ty bt:QsiC dttl y?t1?, tsitlttlt, daaartasitnr, ur haaas in v;slaur, tadawr
Bormw-n d I.aaq W.o&ea ww a8m in wring, the MeaUsbeoas 8toaeeats shalt be applied to me cams
seam by this Seco4 Insaumeat whedw or not the waue m An aloe.
If dw.Pmp ny is ebaoft" by,Somwas, or it, after so6w by I.oadtt to Damwer rhst tine
Oppoft-Party (ae dermed in des nradt a of en m male: m Mad W Iettle a chin for dmtssdes,
Bottown lab td rsepad w Lades withias SO iaays alter the dons the =ft is givta, Lstsdar is a>ibWwd
to CQI =fad mm? 60 M?alaplimom BtQeaed6 dove sa ru me ien K teeth of the ' or t9 gm
== NOONd>arzfs s*.? jaHiYFR s. Of ter"-M titt^ dt1- asmW^g w-y' VAN" r)» M"Iyany
that own 8oaowpr i1b'aSMU Mayate Paoemb or the party vita a whm $ortowa bas a Tilt of amm in
negartAoMeeihaamvm foaeeeds.
Bosraoaaa abed bo i4 &fth U say acaioo Of proeseaiag, M+bedw civil or criminal. is bbaua thx in
IcndetIs j> .. cvum suit its zvrPaitota of as rmpeery or other maaatiat imp0itmm of I.aaaaier•s
jUttTW iaa *0 Pa+apa q OF 400 nndK this SWU* hskameM Bomar cm cam such a drftk and. it
acceteratnon ban Occ*101t, Mite m si paovWcd in SxdoO 19, by Cl lAq ft action or plooeoal U w be
SCO433
dk•8AIM1 OM 04"100111 anwc Ilk rem 3m ijol
OX I B-82PG437 I
eat- izwa[a•a S91-1
-oaf uit:l4 9QOZ-lo-eaa
d. W4 V,J rt.- - ..ivy.
disat Aw wb a fdilkg tbtt, m I. EI • p1dada ftfeb 0 of the wopem ov ethos' smnetssl
yl}YpAlitl>Ebt of LtmllaCI 11tt MI, In ttnt tu%wlr to sagm undo[ dues 39amq AstNS=- The praccd" at
a" award or gin tat dMOM dhea in alnibsaabda to to i apsattaxos of LcAaet intaatt is Ptopaaty
sm W*ty asaigaed sad aw be paid m Lco t.
ha,t mn taunnelon at repair at the Ptvpusy shsil be
NI tlsacaw ptgomds tka erne W ttpp.
IMfax
apPN* is do Offt ptoVidbd for is stow 2.
12. BnROSna' loot Id"ad; Wwb? By IRS?x Not a 1Ahiivor. 13xtetlsiau of the tithe for by I
tGEt<t Oa jG>hOn of =wWaft of;tie tatuu'sa'atmd? this SMMOY ? Aril ref l lerr*?wr
to Borraww at MY >Ato$aiwf is ttsteaest of 11 gff" rho h
or any Saoecseots itt la nst of Aorrowa. Lltades abaft sot bs ootiWM 10 Qam$laCE gvacaedsn=s alw
car Sufeaaar is tinrerest of Borrower or sd rtd1t10 m moo tigal tor paymast of Obag im swdily
smosburadaa attkrsaams .tsatrad by the Seem q Ieamtu u t by remora of any damd male b7 t1b arigial
fto-!# at my eta MM in baterost of Surrower. Any wfbata ww 4 Leaador is taaras?46 an)? tight err
!!'i Y It, Nltbata ' 1 ti?sitmtion. l.®der'a NCCPMMe Of peyaests tom daisd per&=. entities or
5ltcoe aofs to hnmut of Bonn a of is aaso=s tags dum the atamouaa Om due, ateall teat be. a waiver of OT
eUulk at gmadet: of sad tiabR of poneody.
14. Jolot and sward 7.?s<Witty, CwOom; StacitaoM sad Auto Bound. $utlllwol txlVWJAa
and agPes than Horraroret'a ob13lwiQm w d li"ty shall be ,joist and aavotaL However. MY DOU9W wbc
ttaia Socnrity isstrumaot but Ano$ na esunte d1e Wax (4 •fl _AVw ,): (s) It ca4iop,n8 this
Sea,atlty ie:attatneat c dy to =am. grant cad coa ray the co-siper's intact is me prapecry herder to
terms of thisAwaft intttt err, (b) is sot petaona* aft" lo pq tiers swat sta and by Ob Swarity
bostn MW, maul (a) Well. dw T.OW and my other BMW= UA toe to extend, nadity. tocbw of -
--- any s?odaQOaa W ft teEw m ttfa< IM of this 9a nky Tnsanm?ent or the Note without Un
t--ugtmer'a .
SttbJ$a so the plavi$ionf. of 3=dw 18. acy Simoceaor in loan of Bo mw" who axalm
Borrower a ender as Swtrity IWtnmaat is vrritiaa, and is approved by header. $i1s11 *Via
all of aadowaVa figtrw and bwa ft vadec 24 Sgaft Ins[ MUff 8onrawer $11411 acct be Vd-W f -
Domxtatt Ws obligatlaas wd 1tability adder this Smurity Iastn am" vW= Leader ages to sub atsase in
writing. Min wvamm sad agcy of tlaia Sucorby bmstra aat shall bind (eamcept a pwvidw is
Section 20) and 1= 4& Ow Niasasora and aaaipa of iasder.
14, Lum CbmMa. Laadcr wily dap Ilaatvow ins bet sa tykes puftnod in cwwAion with
Botraaer's dd o*. for *a papose of pfd LsidaCI islaw in the P opera ad rigba Uwa Ws
Sactuity.I? i dbilli8• but Atx limned to, atssrat:ys, ifeea, pfopaer bw aiaA and VdUatioo an.
b tgUd t0 say odd tees. 66 abonM of t7aptsee sa dwlty in dds Seasch howna m cbzv a ffom ie
he to Doas?+t+er 64 sot be nos omw a a pt»datiaa oa tix dmTW at =4 fax. lAndat may nor cbW -
top thou so w4 mesa(y prom'blmrd by ittt$ Smoky ipamaw or by ApptkoW Law.
If do Lest is sublet to a low wbkb acs =aim= lose adaarg a, and met law is daAy intatp Md $o
an ft tosatest or. alai laser charges cdkcW or to be colimcmd is oaomaricaa wist? do .inn clew tbs
patminai liana. than: (a) any mch loon tdmp abstl be 1t&md by to ?et cacao W to relax the
char;e yes ft pecmdramd•lim ir. and (b) any mms already r+0]wad inane Ban wr tuck t ttoDeded pesmimA
timft wid be eeCmdad to Borrow. LANK imy Oom as ttasta 04 tlMM ty rauftg ft p6mpal
owed - die A* of wilued n will be mewal as as VwCW apt? ips"M WOM my p ""*MGz ciwmpc (whew ateex a
prapsymenc Hattie is ptavided foe valor ft Moo). Hottower'$ arrac of any wzb tditd made by
piutcotpapmeat IQ D0690" wM consft e a *liver of my dgbt of =don Aono et mull have sailing out
of s uralaarga.
1S. Notion: All xdm gives by accrowec or LeedeT is conocc eon with this Sew* bsw mean
moat be bL vaibmag. Any notice to tlomwer is com melon vrsth drier Sts oby Tasau new d all be doaamd /o
$40433
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a
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eat-d 9EO11191d 991.1 -sad ed2l t0 940t•!0-sera
1'-381 P14/26 U-603
have boa Ove to 1)verower wage FnWU' d hY fist crass =A as wbea asMWly ddivwW to Mottawct'e
notice addsesa if sestt by otbot at=. Notice to nay ace Barrow mash wstatiun eodax to all Honwen
ualm Applil " Leer -G*Mody =CWM Wwww. '[he aodm addraae ahail be the properly Address
unless Bmawer haa•4m rlpatod a sabe iastc Ootice aftees by micem bander. l3WWW dk& promptly
aatify tAgder of Hohto W s she of addmee. N Leader aped dlas a p mcadate tar tnpolting Batrowa's
change of, addsea. *a 8ora:olrrl wall aaty tapott a abate of &W= tltsoagh.tbtat specified pnooafora,
ran mar be owy .qna dat?umed nation What vadw tale $=airy Iamlmeat at my one time. Any
cobra to Lsodex 011 be piveri by dettvam6 it or by vW ft is by fint dell mall to l..ander's aidma
lamed healoa nadaae Ietade?r has desigoaW atta t a Wnu • y ontim in Boitvwbr. Arty notice m
eoaa091im wilt this Satrartry iaat ovAlat shall trot bt: domed to hive betia an to Lander U& aemseuy
reedved by l.imdat. N nay uottiee tegttlted by this Sepuielr lastxamamt is otso :e pkW WWW Applicabla
Law, the Appl alik Law tequ WMW wits sait* the oausespoo" tegldramnt valor this 5acari y
Inaatrv?t
IS. Geterait - Letar. Se w$bAUV Renal of_ CeaaWNSIM TAb Seatisry Inttamuat al ll be
governed by feaea;al.law and ate law of 1bt; jnsia WdM is Vbicb the P ? is located. Alt dots and
obl pdas eootafeot ia3 tali •9aeoaity tornment are sib m to nary v*i==x and liwiutiams of
Applitobla:Law, AppkW* Law toot explWdy or b' pU* allay ft p=191 to awe by app= or it
ttti& be t,hleut..i meltv0mm *0 eat ba 000000e4 so a pMMWift,chinas ap "Wal ty =am. W
111H PWW t OWL r,ay pmviilOtt or dGM of this Scattily Iaellomane or *0 Note sGA&W Ylnm I1pp3>C?ls
Lim. nigh Wdlia t;bz]l not ow aftT pravWona a tbia 5eattity taatntment or the Note wltic3 tea be
giveu and Widum ke coaGc&Z IMV W M.
As uud in ]e SowY bmmm; (a) words of Qrt aasmglmo geodes shall mexn wA itaohade
aoneapwdba atom words. nor words of the ftinim geadcs; (b) waft ht 60 al4 der shall meat and
ittclud0 Me p]ntai MA vitro vas x; and (a* thew word 'may' fbu sale 4baxt fim vftm any oblipaos to
take nay eetim.
17. ScivewaIs Copy. boauvAr sba11 be givea one w" of mss Nana sad of We Smuity Iaun t33t.
].A. T anshr of dw Plvpety or a HeatR d hiamt In morroaaer. As wed in Us Secd as 18,
'IMM the PtvpeM*' -9= Sol ww. ranee mb el armahrredinia bond for deed, coand for dia3, yk mii? abo coara or
rsrraew ate, tae intent of w]lfob is the it3ltda of tide by Bortawa at a AM= Me to a pwchasa.
It an or any put of talc Propattyy at stay km aeet id tar Ptoptxtlc is sold or uaosbirw (of it Aesrawer
u not a laatarral pcaioa amt +a iataraat in Bottotaler u cold or tsatufRnt+ed)1r'lfhoaet Leader's pati01
vd= W, Imier MY rcgdn lmtaediaee gffpmem in. M of all xmms mooed by Win SecorM
lAwmasent. However, this coca tball as be ozrdKd by Laoft if drab marda is Probnjw by
AMU=* Law. '
if )Lm et tota'ds,n this optioao, Leader All] hire 8ormviet nofm of soodctatioa. '1'be. soft d Wt
proride a paiod.of as lose that! 30 days fion the date the entice to given in wcon mss with SKdm 15
wilt n Wikh borrower mm pay atti galas seaweed try tale &=dW wea if l3mvwcr taib jp pay
these sans slat w 4c euon of this petfod. Leader may imb3 any tamofin patented by this
Sw uny hmam withaar i udw th6t>roe or d anad wan 8oesoa r.
19. betroww's Boger Ee•Rewdtste A&W Arne KWtlaa. U 60orstlwr meow certain co cos,
Borrower .a in b'rm the d ?a have u6wma of tats Spufty It,atnaaieat dixontiantd at my tame
prior to tae earnest A (*5- Elva drys bdm x,de at Wt lriWq POW 0 I1 or nia mda1 lu
this Seanslty I mmcad; Co) suet othas pound as Applicable Law migiuc tpeetfy far me tetmb stim of
Bartaa -1 ti>ihr to tnialLat? Or (o) vrmy of >t ?vdgatae t eafart log .this Soauity botirmeaat. 'liloas
oonditiaaa are that $otroaaar: ta) pangs L?[et m 00 i tft them would be due wkW this Seanity
taetzitmtrat eqd the Note ae it ao aooelaradoa hid ocoat red; (b) m ns any dedult of any other a rmwts or
99963'3
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T-381 P15/26 U-603
M; tC) Mall autpeoM inomwi b ad'estia pia EeEtir * hwamw. , Iwl I" Ginnal
to. re"04sbllo ma?c? sires, b ps ¦td r*vics fees, ad u&a foesaiacitited for tlae
pupme Of -pM a I,emri? to tsse properw =ft ab
ekes Solt •astdo : soa - Se?•trcity t?astroarapr, bird (d)
debts ttta ? my =Mft m4aire to Mum do I.eatter'I im c st in the hopwy and
t o ft ft wiry ry and SOMM f's abtt? m pq? *0 sums sssctteed by a* SwM*
s?prmaa is we or mass of L I=det MY MPM tbu BUTOW I NY M* nm?fataa M cvsffs and
fdI°M611 M, as $dA=d by Lwdtss W cub; N) maw ordeal (e)
oatiBed cask, Omit tdzCk asaflaec'a chock or tsghit:c•s cb* Fsvidod say such check h dnwn upon
al< km fttiett WNW Atoms Atr 1"wd by a feftn Jzwtty, k4anc t ugly or sadly; o. (d) E1autm ale
Panic Taut z. Wag 4 by Beaoww, this ftcudq 1 trod 4bligadm se pass hereby
shall fElOpiq fully sdbcdve a if p? Matra d t bsd oet:+ttced. Hoverer, this :iglu 4 MhwMw AUM Xw
apply is the Oats of ac? tinder actlaa 1$.
2- S* 4T m%,, Qw" d L M-.%r tltr, Aialw of a rIetntM. ?U Note ors Q pew iateiiao[ IA
sac Nate (sog4teT WA trier bOKiW ) can be sold oats at mw timres wWmt p ft wdw to
'tkrm&. A isle mijk- ra ult is a allege is &a otteo Its' as the 'Leas -sciWat'} That
hdodie Pap mu &@ udw dhe Nom grad tit Ls[tstmtwst mad ptrlh, a., 6" try
sear?8 ObHVAM radar tbO Nsut, skis $ecuti ? JO e
mine or MOM c NSM Of 1W IM $ett im tamdW*d to tos tand AMIk" he NNo If &m $ ? & 4=0 ? of dw Lt t b be
Satvloer. ,BorT?Owor WW b0 given ari Zm wdu of the LM
d=tAaa SeTVicceMcer, thtr. addcselt to whiaTa P ubiL? WW Its the acre 264 address of die
new 9uti+aa nn c doa ? a atit7ae of A POMOPU sltoold be made mi any Oft bftZMOn 1' WA
m it Lou SnwM oehett tram to .11 the NM is bold sad tba ahu tie X4M is
smviw RWM by FMOMM a
to 8ettnu will t mOr Sib ft Lon Str" OC befNow, o it mansw a ? wW Owssfim
aaatmM hr Ttx Nnm'pAreb,wr M*X O&WOTe ptovidb by an Now pacstUM, em aw
NOLhor BOrT4ir Mr L oodu my cosammm, j*. or be jobed to sny jt&ud 3W M (as rather sn
i3owwaal wguti or the member of a clw) shat slim from rho atbrrr patty's sealers pnrow= to ws
S=Qrity 1z;*ozm tit of go etleL" .00 tat: other patty has b w&,ed any PWW04 of. of atry duty Owed by
moots *iv ?ry b3o ' =I stub Bat:naw or Leodu bas aaot W at scar perry (wab surb
ashy 00 * the toWWwc w of SeWn Lp of pja dlegAd ktub aril off mW the
DuW berm it reua wft peeled miler' the SWAT of utteh "tim as WC cmwcti+Ra spi= if
Appliaabte Law prbvldea a limo petiad svWA must lope bdbre cettfm aetM cap be ulmik tbat limo
Period will be chested W b4 resaoa*j# tot ptuptwea of Sala pwe" y. TU ttodca of aaxtaa dolt bud
appoittmR to stun 9)v= w SOROwn pet Mw sO 5ecdats 22 uad ac aotia of aaxlerwiaa glvao m
Bortower > to Stedop 18 &W be devowl to satisfy ft WdCg red gppwaWly to tales OOTmctive
=I" pco isit ms of this Ses 6m 20.
21. E aamhw b`ubutawm As mad lei ft 9 zdw 21. (a) 'Aarardow SObarsam' are those
substsd m deli W ae ttt* of bas sdog a FARO q N, Ponum>=. or a+astes by Uviroaoaettrsi Law and t>>t:
foU*Wiag Sobptbnee '. gasalias, 140rrrifut, utltct Ili uW,d y,e tx ?uarJtt ppumgcua per. toxic
pes"es
and Deibicides, tioistilO calms, teals ub w or f+drmaldeltYde, and radioactive
(b) "Epvirotstampl Law' means fWaal bases mad taws of the jutsiemo sun tle t'tOpM i! locatad tLat
'A' to btalth. asfay er rar6trodutl -W s,.,+ta?.t;?aR {?) 'Prt.iiw,uuee,ttd Cl..,,p' tw.lud= tray Taep'M
CMQR. Mat W101, Of nmOwl 40*m- 91 daft W tta Pstvitnrnt ?R) Ttlw; sM (dt) an •Fnwirm ranl
oadhios:' mAaas r waditioa thu sae an". caotibM m, or othasrise bugger as Paarironmaapl
Clum.
560433
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f'
8m20?i s6H nx Cattat or VMU dha pct We. tree. d1eDOUL MOP. Or e0iease Of MY MMK&ua
9ttbaare A Oldlt+l4tatl to ftkatt R711AI i iR be Pkqpmy. BOitv*m slW am do,
AaT O1mC to.d'o,? is ? vaWuka or eAylY Ypt?W
'F?Lw dot Law, (b).? sates sa hAiam eemata C=ftwo or I . doe 0 do pies=c an, at tm? of a
HaTx Om 9abaww. castes a ooodidm dw Wveto* dbaia die vdw of the Aopetry Tbt PAS
taro marrtanoat -am sat Roy m 114 FCSCWL Ws? 4r so no oa an POpCs?t e?i $mau vda a of
Huardam Sfabatocies dnt qm gmaft n aogdad to be "TOp w, to not= ndd=u usaf ma w
asaiatesu a[ J rtigfw'ly.t as UNdw 0. i'amed4tl5 atlaYM= is W&W ?•
?Vtlv.in 2""...7'.,y LMidar.abaon ooeim of (a) sir itn?aili?ltiifa, dsmsaf,104tit
or ads atm Dy anX jmTmm&AW ar: ftd aogi aR? Os soe.pfngr ralotvmg dke (Ao a my
xsraedaus • SoDebrme m 13tviaaames?a! taw of 18 or dot d
? exam-mm &-- auft baraac mod 108 2AY ,
,dew of watdom ataoce, aoae (fz) say mmm ca"d by the, , "se ar cdeaw of a
m lay oc,rhich adQ=Wy WWO me rahre of ft Ptaportp. V Eoarowrr ka w. or is aadW
? So
02 asy?b eeta WO ath 6 Propa?tga a 5 own " y mix all
remad t acbaps In =ordsmca with 2wkvaaoal Law. Ncahrtrg heart shat! qvm any obfipdca cm
Deader for ma H mammmn d Cleanup.
NON-UNII407Ibt ODVI N*WS. Sammret and bander Wrdw cap esm std agree as lnttm:
u. ?aoela a; Vi64 1 r dW On amgw to Bosmw Apr M sm* aft 0?iL41YW
Domules kvWh K am 2"wo or agtoeawst In Oft &cwfty boatrmmt (but m
anTimuslan no* tat
Baae'uws a& a wag other ddw (a) me trttk aw" im w. o the ddattk; (a) whaa,
ibe ddav# nowt 6t' ? Aid (d) -Ems ca"%* cute the ddmk It a map a+esfott 6fl
acaftratlas oof-sk S?'dfw? Il1a1t *W tMs Shcp 61,3
sale of do lira X,ea ltm dw D Hatmaif'rhe d1m to rahw a<ts ?ec?cfda ion
sad i(re bl PIM is *a latfattaoata 11a aaMrr'sistryl0 d a MAN IR OW 4dw
ddem aEotsm a to Natdet mbm and f*mMwAm d e 6dwak mbt=m d ms
epedptd, Ieadtr st
It
apiioa's?r sagpas ixaae d LbB of all r aesseefd by alts Snpstfgr Tmpreuaepet
'"ifhoot"?dtetha''dn?aad' imiaT 46 8aesriq hobO mt by Jndw PNOmdb& Mader
stall ba u?la1 ra mNirt A arprtrlrl kv*i 1k, ? kka In dds Saesim 22,
k?,Nb lFmlttd ts, at mss F= oasts m tae am= PwwRwa 17 Law.
ad dw IS. Mdame. ?
ofcaf * wavayad *0 MMM of avollmi s ad bseo? v*W Aber imb , Lopder ahatt dise%W
ad ss44 • this Scc ark3 Itatamouat, Bwowa A? d ne
pyr ?r mrdatiou easa. Leoda rosy dw-
Eorrower a in br r!tkLtg e& S%WW Ieeaumrart, bat oar if Ift fee is peed m a dArd party W servers
rr? W*d sad she r'h". of dAkfaais pecairM urrdar kppY *W Law,
74. Walvem Bonffawet, .m am to= pumkod by f+m+i+"Uw, wairw ad mistaea my armr or
prooet+ UD toesslbtce this Swz* Iamtmew ad bercby waives 69 bmfit of my puscmr or
.2 pmrkliq c
fimm
• stay of aoe wc csu ift off=. fao w0cm fmm umbmm , lwy and sale.
2S. Rdge omik Pw d. Sartum's rime m reinttare provided to Section 19 abaft extetd w owe
hh prsa' r to the eoasmoacemane of bidding et a she fr sak or oew sslc purtuaat to da Scmky
26. Pat% bM Moarat Modpgo. If arty of the debt secmpd by aril Set aft ?aanaram is k a ro
AnnfAer to ia?.iiWto On Pro", dds Sw odty Imm mmm ddl be m patch ase mosey monple-
27. IWMA.Rate Atsse Jadpnent„ Borrower agm am Va masnesi nary pfeyabk KAM . jWURI tie is
antMed an So Nora of in on a 6u of martgap fomdosata shall be die rate payable from nme m amt
under ft N m.
560433
r+n?c
I-euMtPA) wmb r ?. a to Form 30" t+ov
. P
BK 1:8.82FG4375
T-321 P17/26 U-603
BY SMNMG BELOW, Em as wo" and wm to ft amts and 60Vean oaaubW in m2s
Security lbumm and in ag Rider eu1 1 W Hor owm aad xis it.
Wimesse9:
? ?l
ol!
($w)
Xs w ?sg.r &rnowv
- (seat)
4kwowa
•Bon+mr tiBorml?rr
.Booawes -9or?olwr
560*33
40tNIIPAI 1p2o.V
(Sa} ( ?
-Wmww Donewa
."s 16tlit
Fm w an!) Vol
BK 1882FG4376
1 y? c r v? ;c. Ju rru-1-
T-381 P18/26 U-623
do hmby cmtXy Mx
tb+e axrm 4d&ft of tuvit im-aam.Od•I.m?et i! SDD port Point Cimis. C2,&rlots6, w
COWAONWM7H OF PS WSYLVANIA, ? ?"'??w Caurul as:
01i 4gs, the &Y of , "NMI
rbe
andeliped adfim. pcreoastuy x.thyr K.: r
1Rtowa m mt (ar
alltisescaa w p7oiie* to be the pmwgj) mu ft aamc(r) wm snDomw 1o On -itbin Law== and-
w mOwkd8od t]»rtbdeLel&q a mmd dm aeae mr ft puwm b+erdn Canua w d.
IN WrrN89S WHMMP, I IwAciAdo Mt Ay ]rand, aid GM W sW.
My cemmiaeioo uptm: AN n
NOi7?iM?t. mtr?t.
CattB E-Gt?o?. NoYry Aab?fc
CIq? M wtttrbul? Lta?atiita Cotsnyi
lyaeatllwdon Ea' viW! Mai D. BOOB Tice ota?toer
860439
7"IPAJ wm
pw I I a t)% Fm
RK 1882PG4377
ir. I vu L/-, ju rwn-
T-381 P19/26 U-603
ALL THAT CERU M house and lot of ground situate on the
South Side .of East Locust Streclr, In the Second Ward of the
i Borough of Mechanicsburg, County of Cumberland and State of
Pennsylvania, bounded and described as follows, to wit:
SEO IN6 on the North in front by East Locust Street; on the
East by property now or formerly of Mrs. Bertha Kintz; on the
South -by St. 36hn's Alley; and on the West by property now or
formerly of Tobias Gelling. Containing 26 feet In front on Locust
Street and of an event width throughout, extending and having is
depth of 193 feet to St. John's Alley.
HAVZXG THEREON ERECTED a two and one-half story frame
~ dwelling house known and numbered as 32 fast Locust Street,
Mechanicsburg, Pennsylvania, with detached garage building on
the rear.
U*PER AND VUb)Wj WWRTf1ELEW, to Actb of Assembly,
.county and borough ordinances, rights of public utility and public
.service cdmpanies, e)dSdrng restrictions and easements, visible
or of record, to the extent that any persons or entities have
acquirea-legal rights thereto..
OKI882PG4378
aa2-a szo?a ?o a ?s ?-1 .._ . .?o, ? ?sr: to Soot-?a-a•a
14-Ue IOt) 1L: 5b BOM-
11-4. FAMILY RMER
(A rrant of )
T-381 P20/26 U-603
TH1314 PAKMY WDER ye 200 this 21s h day of oeptumber_ lobs 1
Sad ii inWpolted into agd Sash be deemod to BMW and FgWlomml du MangW- Deed of Truss, or
Semity ]?cod (tbs "Socmrity L=r mm') of tae name do Sim by doe mdersipyAl (On "Bvituw e) tv
sown BQnV* x Nats to IgpirUoto Lbsynrm*ioa
"Leader") of flee same daft and a we:* the Pso wq &XDI.ed ill tae tieattitq t and located Sr;
Bast: Ldonat: arzeeta, fle02LOPlesburs, g1 17055
Popov Ammue
14 YAMMY COVEK M& bf NW111 st TO Ow anvmnb and agzmsmacs madc to sloe UoAiry
lnstxu>ssen?, floitoruet tad Lrmdet lla?lsdr oOVaotan and age ss follOas:
A. ADEMOKAL TROMM 6=20T TO 7M 80CllWY MMUIUPi11'. W mJditlun to
dtc Pcopony dmummd is Ibe tlew* b min at, It folloadng in= fraw at hercavW aunt hw W wo
rrop m to fbti umm ttul art: rJ1tA1 u.&* kkw w dw prupcity ftwp"4 sm Sbw to mom to
PCCVM covaed by d3o SoMM yos t=t building soMaid , appl=a Sal poft of C-.n aatme
v b=ow t now Or hecefttr lamed ia, vu, or surd, of bW&M fo be sued is conuettian twith die
Pt+opaty. iMbSEag. bnt not limited to, those fat tae PUpOW Of supplying or di9dbodag heatiag,
covli* elMieity, aas, wager. At Sad BO. Ste pmsmim ad loftthsgaisaing appmmt, mrily W
!I cmWd applims, pW*WS. bads tabs, water Mess, VW "CU, t10b, ranges, Stover,
n iigai=n. disbwaabm disp ub. A'at i. dryad avaisgi. s0orm windows, Storm doors, =ews.
blm&. sbada, eurMim and as WA rods, m mad minors, cabinets, pnormg Sod attached fboc rrovetings,
0 of which, bdudiog replaom=u amd •dd im, ftm. stall be dv=W w be Sad mmala it pert 6f the
Pmaperty coves+od by tae Swirky UsmImeat. !W of Oro foregootg toOillier witb the Pmpmy dsaocaled is
the Sm ty Instrns qt (or sae Imilsold am if the 6o xz* burea m in on a teairaold) are nmt Md tO
in Otis 1-4 P*Wy Rider and she Se m tr kuM6en1 as tae " RropcM,'
55043
MULTISTATE 1.4 FAMILY NOW . knob MegWir41ls Mus tN MUM IMMUMtittr In?tia4
Pso. 7 of a a17o 1191
4W74 two) YMP MORTGAGE F4AmS - =0511-7291
UK 1 V82K43'13
- ..-w-?.-mow urw?w?w •M.? - 1 ¦ YY ?? I.M
Aa1-4 37VU0'd 591-1 •mad mlSltiO 8491-10-sad
T-381 P21/26 U-663
i-
11. vVs sd4' Pug ssk'srs•v, crimpi.iAmi' tc wriv iAw. N"vwnuEi vint h .tr, .e * rf, r~r rnax"
a M p to Me = Of ON f'nVmy ur lit =D4 tdassiDtaaM, wdm Ltturlet hn veW W wlititlg to the
change. Borman AW CMpiy WM all laWe, erdiarmas, rog9913ont and tequi of any
govenumental body, apptitasble m the Ptvpesy.
C. SUBORMAIZ LMM. Except is patmitted by federal law, Bomewtr sW rtot allow soy lito
infedoar to else Set:utity ISIUtmear to be p *cted against the Properly VAM LWdeea pew wnnea
permiisi4o.
D. )itTn LOW 1NSU3ANCE. Bonown dau mainrak itouentmcc ageim tent ion in addidon to
the ochre hixatds for mum imm? is repo Md by Seadaa S.
E. "BORRORMS IGGW TO A'FJ WATEI DZLtiA M Sactian 19 is daleted.
F. BORROWER`S OCCUPANa. Ulrleaa I.toldes and Smower otU vvisc agree is Wrt6a;.
• StxrLoa 6 tomerrning 8emcawer's aocapamy of tha Property i; dslctctt.
G. 'ASOGNBdRt+i'l' OF LLARM Upon L=drr't requm daf ddasdt, Borrower -" asslga to
I ender all lessees of the P[opctiy and all mouthy dgsWm made in ootmoarua with leaks of she pmpeny.
Upon the aselpi m mt, Lender shalt lave the right 0 modify, tattW or esrmitsft the exisdAg law Wd to
wvwn,re nvW to ieft, in T rnAjr'? SAP clicripti L At vIA iR thif l?at'agrao G, *1 Nv4Td `hoof' shall tmtn
"sublwt:" if the 3ctatritlr I?aetnttataz ie ? a lcaaehsld. '
R~ Aim CW 8W&, APPO>ht'd'1tipIM OF IsCans; U MU IN POMMON.
Borrow" "11101Y and tmoogduioaailq aaeigtn need ttanafan m Leather all the roots and revm.
("Rc90 of the Prapem, ngailim of to Wham the Rears of the pcopetty an paythle. BMW
aatbatiaee Ltrodnr ar L?'e :pma m aotlect me Reora, oa4 eYrom tAnd call farad ? tAe Merry;fin
PAY an Items iv I as w Letakt's ttgwts. liuweM, lUMPAW &W rftvt t'118 ttM illlE'il' f!j Ldridlt
Las given BorrawnT Dad= of default p=ot m Settk m 22 of tbo Seoerity tssMsemoof; ad {ia l aadet b a
given notice to *0 =324) that the Ratty ate to be paid to lrooAca or I.atde7''r agent. This aMigamdtlt of
Rears c oamm m absolute assignment and not an edaig lbt additional sera only,
If Under givat tAdm nt de mAl in Ahvnvox r (q At itw"p TwojvW by VDii WK abal, be held br
Bonower as mutse for the bmdtt of Leoder only, to bt: sppllcd TO tha sums mcmW by me Sceu *
lnstresmenr CH) I.aader shall be entitled to la>&= ad recave all of tbo Rem or ties prop M; Gin)
36033 •
?tf7N {0008} inrdata:
Pico 2 of 4 3176 1101
$K 1.882PG080
eat-? eloiuo'a sst-1 - -+?;? +?si.io soon-ia-??
T-381 P22/26 U-603
8octowe agree: tba[ call b o=t of she property abali pay XcKW due and unpaid to I adar or L,eadWs
agmta vpoa t wa!r% wrimm deauod to ttte tastaot; (ir) Was WPUMMS hw provides ot'botwists, all Itm
collected by Leader or LstndWS SVW 3W 10e ap HId &St W die Coats of taking eaaaai of end mma W&
ft'Pfop M Kdt twUcWug tno Reab. indtndiog. 'dot not imised to. atcotaey'g free. reoeivwls fom
ptmstlma.m teraivcr'o basub, topok tmd NAMMoaee 1.910.pin"MWA i nat+imt,s, MO. ar.>m+amCOU ad
oew t;barga oe dm Psopa % and fhm? to the wo I= W, by do So mdW bwmu=; (Y) Laden
Loft's new or UY JWkia1>,? app law rotxirartmaii be ' to armor roc ody thane Rcm WmAly
axeived; ad (v7 i?tadet %bmU bt odd to bave s mvivi appoloted to talot3 poeaWAao of =4 mtttago
the MOM Ed WUwt W ReW aed prase dcrived isvm ft Ptopdry wi*mt MW *QIAnd as to the
inr d quooy of tbo Property v+ •-".
If tts -Rmts of tote Ptupe>rtr are not VASCWA to cover fbo cm of Won: Casxxoi Q( and =aqua the
hopwy and of•ot?tiCCMI cot Vam a w hnaa cgmdsd ?hy Lradcr for awls pwpows sW b==
indebtedom of Borrower w I mder m mod by the 3muity bvtrnmmt ptunum to Secdon 4.
Botsowar tcpftmu.ud warrma do 13orwww has esWWM& any pror i srsigpmonc of ft Rears
sail ban nt pm*ma a, Bad wgt not pml0m, any act the finereot Linder horn etoemi-bg its tights
ender rhis pa;agreph.
Larder, at L detI agm or a judicially appoinmd r. Cr. sbaU not be tequind to caner upom
take cvotml-of or tnadaawiti the Psnpesty before or altar giving aetim of dafalslt to Borrower. Rowem.
Ll.l1?lLR, ox L?cndaf a ?[G er a jndioia?fy fi'?'S`tnr? nrrxivrr, ?r+.y eh1 iota a[ airy nine MIIICII a detatU[ orrura.
Any appiicadou of Rents &W not on or walw any defsnlt at tavali&ft any adber ftM or ne"y of
i.et?er. 'rte i f of itettas at the Property shall tecmiAate w6w 0 coo 6M e coo by the Usar)ty
1"M m a are paid life. 1
1. CRO ArW,r UOVISiON. Diem's
which Leedar Las aa.inMrW"be a bus& waft ttts
tine =man pe mhW by flat soc mity Insttm =.
S60433
4W70 too4a)
ER[882PMS1
APP 3of4
or tsepm Imbw any mra M agreamml in
bmnmaotat assd Laztder may invoke icy of
tMNw:
3701141
111-4 420/220'1
St;t-1 ?oead ~+ 91110 9402-l4-ea0
- ,,, vu 1L.Jf rnuccl-
T-381 P23/26 U-603
By 91MMO MOW, bm wer emb and apom W du So w d Praaia M CWWWW in *k
1-4 Family RM":
... _ _ (seat) cseap
4ka"ty
.?p(16M?lT
560433
?s?e tooaef
I(I.B.82M302
801-1 820/92014 fol.4
Pop 4 of 4
(sea)
-BanooR
FOM 3170 1101
-veil WdS P l0 800N0-2 4
yL Uw 14. J r rtzurr? T-381 P24/26 U-603
8
A-DJVSTABU RATE INTEREST RATE FLOOR &
'rAYNMNT PENALTY Rider to Security hU ment
(3'o At+ Itecard?d "Ib?tba eaiRb, Srcuxity IntOnmor?at)
3? Ibis A N3TAKE WIERES'!' PATE FLOOR A PWAYi?M PENALTY' Ri?1ER Ok "RUICM is SUb ibis
day-of Septenga, 2004, snd amends tha itto VAm Deed C(TI t or SamWzy Deed (6c"Security Wtltlmeat^)daw
Ik sawn do and p by 44 muh) wbo d bdw (lie "8otfawalm to 'l4wrftrc Cotorafm (??t: e14rdef) to
tatauepttg?symeart aNalomtbaamovutofU.5,.$144.000.00.
In addition to the speapents sad provisims9 made iq Note ad flee Sw i y bubvm% anti nomidwaft any
gmriliM w ft Cmr"y eonaiaed im said Nm or do Seattthy Im mant, both *e BUTMAI (l) and Abe i endor further
agme as folloraa
AD,AWAWA 1IRM ]LATE FLOOR
Thin loin lm ass b9mm t Aare 'Elam' which anti lhk *v amount the Ino wK ltam m dm=mm 8sgar?ss ad nuy in ft f NS 2 0l t RM aving tbo tmm of ab 'bum will nrvu be 7a Am r k Imitw hicre;c Bata ptwndad ecdom The PMaiV"NT MALTY
If I prepay this loan in FA widdu 2yea(s) 8om,hc dire of &a loan, I &Wee to par s popsymtat PenWOr in an
rurarurrt MPAI Y+ 6.A11 of lira lirdruara riP11?s:1rMtr rptlrshrrnrlit? mr Iln rink uP??r?rrtrrni R1iar nsrruKir, llatrn? rrn n
"*,am
Pm+ Y. i71 be in ublisoe n aqy other atavoub I eo?r we untlaet dts peavit+ m of dw Noce or the
Setm v 7nap1 i=g dd m eormoathe Nola. I!I tztdae a paparnoeaz in full an or Aw *a god aaraivowy doe of &a
Not, the Now Holder va itn ma, no #hv&yuteatpeeelt .
lyd,4,- IYt
KUGy M. ymd?w
%t/VTJiJ
t$QSf {OSR2)
BI1.18-82PG4383
+d wi ww 1&,J1 L'IWL7
'1'-:131 P25/26 U-603
...??. ,.. ADJ STABLE RATA RIDER M B.KUrbx Luttmest
"Olt 6 btuth Indent - As T1tbNs W iat Thr IAo Saraist Awnd -Rate Cape)
(To Be Recorded T'agether with Security Instrument)
THIS ADJUSTABLE SATE RWM is mada 9w 241h day of Septmtber , 2004 nd lzy rporated kto sad abail be
decmcd eo sassed ttad snp?lemtatt tbd M ngego, boo d afTntst as Sa=rky Dad (the "SaawtWorft lohnmmt") of donne
dtac giv= by Oz od (the 'Bouavsd') to soars Bormwda AxUnslsblo Rata Note (the 'Trots") 0 Wirct
Canwsdon (tlsri " fta sale due sod ooVa&8 &C propetlr dascahed is the Secudgy bsuUmeat sad oceted
at:
32 East Lotatat SiseA Mechubsburg, PA 17055
cmlxty &ddmn)
TIU W= CONTl PfO 14'l9tOVOOM AUArW rtG FOR C "QU Vq TJM T R= AND TM
MONTILY 7AYMSNT. Tim flan LID?lm X'Ais AMijum pm BonoWRR'S ill r=EST 7tATld CAN
CSANGE AT ANY ONI TM AM TSS D1IAXpid1?lYt AND MQtil1 K M SATE TER lolkOwnmrv PAY.
A'IDDMONAL COWNANT$.
In additia m to 6a eovamw sod ag m mna aside in the Scott* Inemmoeat, Bortowa tad Lender for dff
aovcttsnt and ages as fatbws;
A. INIMST RATILAND MGNJELYYAYMENT CBANGES
lb ?itfor n ki at i es k=ut mx of 6.9$0 %. lu Note ptavi" for cuarrges is dse iaitoteat
(A) Ch"V Dams
T,iwe mast rats 1 wit pry my ewe an Oombse 1,1006 sad ca dw day evew Oath worl+ .
thetee.9ar, Ewls elan on wbidt toy haw=true =M abeaga is wiled a_ e Date".
(B) The index
BeOxft wlth tlto Sesr ChWO Daas,. a¢y i ta: alto will bw bayed un aA TAffir no
"W=" is dta avenge of b abak OffM d sates IN 2i%-M&0%dx U.S. eiallst-dettominated
depa im in d w Leodon mark+stORL'? asPabGabed, in rat Wall Sheet !Darla!. no
mpat.raed hula m os of the Belt bttsiamss clay of the meek immadlatsly
e. , pmedtng do moo* to wlach the Owngs Dw aa011ta{ is the "Current xiada "
If the Is w WNW av"K *X NotC 1101dW WM sheers & new lad= that is 'baaed
upon co:mpatable iafbramfuiop. Tba Ntrtt+aoldorwW Nava au net oe of this choice.
(C) Cakulalleft of ek=m
pBae?fsbm each Chug Dw, Thefloes ED' wilt sal to saw hwacae ratan by adding 6,120
t3tiut r+ ion w The (6.129 %) to &c L1mm Iadcx. no Nom wM &m:r* d dw resok of
cuteroiehth of one tie point (0.125%). Subject to the: hmlts
stared in 3aodon 4(D) Mow, We mm":.P.'', vnll be ray WcMat mte uad] the n= t Change
Due.
7U Nape ROLUx wW rhea dwmnipe the ataaaW of rho maatbay tiers wpnltt be
sni',6 nt tea arepsy the uvaidpewol that r am hod W ago at dw Ign? Drat in 6dl as
the )daAm* bats At my now umeasat sate in etbttWetaiiy aqw paysma. Tits recttic of 0A.
ctrwa$on aril be &0 Dear amostot D(my mataatiely Payrmmtt.
(D) Limits eta Warm Rate Chanow
1be interest rate I tun sog?sircd to pay at ft fart Clapp Dstw will not be N;a aw than 9950%
of loss *= 6.950'11. 7lter, ahcr, my iotrtmse rate W M never be k ctw A ae; d wa sed. an my
$W& chatte Dan by Uwe fma one ppsroe?ams(ra pow$) (1.00%) dw tea of iow-t i Jim
bas -&r the rwedbe sk matths. My ba rest rasa will ttevw be weaver than 12950
% or leaf clean the ioiW aft pmvidoal for n Sectioa 2 of d& Nate.
SW33
psge t of 2
OK18$2W43:814
? vi uV .?, (., Jf 11:VL1
r-J61 x16126 U-693
?}E>Iectlve DAte ef•omps
ley new inw o rnte wW boeomg e&ctive oa each Chs> p Doe. I will poy the
amount of my new nowbtypsynetu bcgomaing ass die firmt PSYM t daoe aft
flu Chmage Date =9 do =am of my monNy psymcot e:hsam again.
{F) l?otlee a[ t?,srtges
The Note Heider w0! dellvar ar'taarl m ma a mope o[say ?m iia my Laerw imretest
rem emd tree amestpt of aq? aaenthtl? psym?t bsbto sbe W=tive dare of smy chop
The ad= will lubde i albimallon tegtth+ot by kw td bo giv= inc foal vlw ft tide
and tr?rpltame aniabot do pwan who VA sasww IV Twidom I may have ngardirg
the naries.
B. T'RANSUR OF M P101MRTY OR A BMMCIAL MIREST IN BORROWER
. Uniform Coveaaat l7 0l tba Svemrigr l:sunmocat la eeataded to rand sa hollows;
Trw oft!< of hopreq or w 11pttt4dal hn7w to Pa wnw, I A or uy D gr
ePr0*y or ay iu%n9 is it b sold or taudma {or$akaBW ntest in 8oowmr u x or
ba?atSened and $asaowtz is not a na4tral Peron). witbgstt Lemdet's .ptlae aoigsa caafsnT. Leader mAy,
m iv option, re?aite iaemediAm > in full of art sines aesarodb this Security Imtruaeea
Hawaver, tiia opnm sW not W aawdsod by Lsador if =w ise bl? ferias[ law as of the
deac of 04 84amsty hwomem I.andcr Abe ehsli doe a mci m We aptim l8 `a bum causes to be
mabmlaod w I?twsdu l,Jl:a,?.?im, aaywaad Ls L? W a•alr.b the -....A. A +daeafarae "2r a SAW leas
wino bcirtg made m the wwaBr w and Q I co?kr. * Ja wma6 m drat Landces w im tl wM sot
be hupthd by the loss and tbu ft Adc of a W e&4 of any eoveawat or agmemm is shit
Stxrmty Iastrtttarnt is nee eto Loader,
To the arrant pmnibd by epoablc lew, Under may ebsege it Mwaable fcc as a OM Man to
Lcadc* c*w", tp tbs Iowa swumpti & Lander may also npim the traasftw to sip in asaamptioa
AVC026ar that is aooe?t:ble to Leader and that tests" to the taats*m to ]Weep sll the promises and
agitreoorata made ia•?o Nt>te wmd in & SaaMty Ya vemedt. Bmvwv wil eobtim to be oWgsted
wdw do ].fats cad die CoNdWhobans et udsso Latrdar alsasss Wot>owes jR anions.
If Leasdm esacises the option to ropke pmmodivA p rflni R is ML Lmdar elrsll gin Bmvwrr
notice Ot aecgaSUCL '100 aoe0e shall .pro%46 a pWM of act llrr d= 30 &ykt bwu tic J.w? dw
nat u is d4vaed or mdled wpbin wtrich, Borrower ttmst pry alt sums sccnred by tlw Scauity
Lt.---t. If llsumo kW to pwy &ns mw poles tr t6¦ s+phwirat of Mr liar M. trnd" my
lave aay tassodits permitted by to SDmw Instrument wmAnt is nbw aotire or demand on
Borrower.
BY SIGNING EMOV, Borrower accepts =d awt=* o tht team and rtwcnanis c miniflted iA this A4jusuWv
RsteRtder.
Kuby Y Bar
$50433
loc?
Ltnty
Recsrdcx of
Ltoafl(Jl?1} Page 2 00
B?t 8 ? 2 ?6 4 ?B•5
0
? RATE NOTE
(LIBOR Index Rate. Caps)
?i
MIN 100200100056043312
THIS NOTE,CONTAINS.PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT'ANY ONE TIME AND.THE MAXIMUM AND MINIMUM RATE I MUST PAY.
September 24, 2004 'Mechanicsburg. PA
i
(gate) ;I (City) (State)
,I
n
32 East Locust Street, Mechanicsburg, PA 17055
1. BORROWER'S PROMISE TO PAY
In return'for a loan-that Ihave.received,;i promise to pay U;S. $ 144,000.00 (this amount is called
"principal" ),` plus interest; io the order of the Lender. The Lender.is E4idirst Corporation . I.will [Hake all
payments under this Note in the form of cash, check or money order. I understand that the-Lender may transfer this
Note. The Lender. or anyone who takes this Note,by transfer and who is entitled to receive payments under this
Note is called the"Note Holder." 1?.
r
2. INTEREST
Interest will becharged,oi? unpaid principal until the full amount of principal has been paid. I will pay interest
at a yearly. rite of. .6.950;%.: The interest rate-I will pay may change in. accordance with Section 4 of the Note.
The interest: rate: required by this Section 2 and Section 4 of this Note is the rate:I will pay both before and after
any default described inSection 7(B) of this Note'
3. PAYMENTS ,I
(A) Time'and Place of Payments
I will pay principal and interest by making a!payment.every month. -
Iwill :make my monthly, payments.on the 1st day of each monthbegirining.on November 1, 2004
I will make'these payments every month uniilI have paid all of the principal and interest and any other.
charges described below thafI may owe under this Note. Each monthly paymemt will.be applied as of its scheduled
due date and will be applied to interest before principal. If on October 1,•2034 , I still owe amounts under this
Note, I will pay, those amounts iwfull-on that date;! which is called the "Maturity Date.-
I will make my monthly payments at I
EquiFirst Corporation, 500 Forest Point Circle , Charlotte, NC 28273
or at a different place if required by the Note Holder.
:(B) Amount of My Initial Monthly.Payments
Each of my initial monthly payments will be in the amount of U.S. $ 953.21 .•
This amount. may change.. ii
(C) MonthlyPayment Changes 'j
Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest
rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly
payment in accordance with Section 4 of this Note.
Multistate Adiustable Bate Note-Libor Index
EF815N (2/00) . (Pennsylvania Version)
Loan Number 560433
Page I of 4
. . Initials 1K
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4. INTEREST RATE AND MONQY PAY
- (A) Change Dates
The interest rate I will pay may change on
Each date on which my interest rate could chang
CHANGES
tober 1,2006, and on that day every sixth month thereafter.
called a "Change Date."
(B) The Index . . A
Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average
of interbank offered rates for six-month U.S. dollar-denominated deposits. in the London market ("LIBOR"), as
published in The Wall Street Journal; :The most recent Index figure available as of the fast business day of the
month immediately preceding the month in whichl the Change Date oecurs'is.called the "Current Index".
If the Index is no:longer-available, the Not Holder will choose a new index that is based upon comparable
information.,The Note Holder will give me notic Of this choice. .
(C) Calculation of Changes ;
Before each Change Date, the Note Holder will calculate my new interest rate by adding 6.120 percentage
points ( 6.120 %)'to the Current Index. The Note Holder will then round the result of this addition to the nearest
one-eighth of one percentage poinf (0.125%): Subject to the limits stated'in_Section 4(D) below, this rounded
amount.will be my new interest rate until; the next iChange Date.
The Note Holder will then deteimine the amount of the monthly payment that would be sufficient to repay the
unpaid principal that I=am expected, to owe at the Change Date inAill'on the MaturityDate at my new. interest rate
in substantially equal' payments. The result of this calculation will be the new amount of my monthly payment.
• it
(D) Limits on Interest Rate Changes ;?. .
The interest rate I am required to pay at the fast Change Date will not be'greater than 9.950% or less than
6.950 % . Thereafter, my:interest rate will never tie increased or decreased on any single Change Date by more than
one percentage point (1.000%) -from the rate of interest I have been•paymg for.the preceding six months. My
interest rate witlnever be greater than 12:950% of less than the initial.inwrest rate provided for in Section 2 of this
Note. i!
(E) Effective Date of Change <<
My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly
payment beginning on.the first monthly payment date after the Change Date until-the amount of my monthly
payment'ch<u?ges again. I?
(F) Notice of Changes' I
The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my
monthly,. payment before the efleotive.date ofariybhange. The notice will include information required by law to
be given me.and also the title and telephone number of a person who will answer any question I may have regarding
the notice.
if
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5. BORROWER RIGHTTO PREPAY
(A) Prepayment I have.the right-to make payments at any time-before they are due. A payment of principal only
is known as a "prepayment". When I make a pfepayment,.I will tell the Note Holder in writing I am doing so. If I
make a partial prepayment; there will.be no changes in the due date or in the.amount of my monthly payment unless the
Note Holder agrees 'in. writing. to those changes.: My partial prepayment .may reduce the amount of _my monthly
payments after the "first.Change. Date following Amy. partial prepayment. However,,any reduction due to'my partial
prepayment may be offset'by an interest rate incie"ase.
(B) Prepayment Penalty if
ii
?i
IfI prepay this loan in full within 2 it
year(s)- from the date of this loan; I agree to, pay a prepayment penalty in an
amount equal to 6:00% of the balance of the loan outstanding on the date of prepayment. This amount, known as a
prepayment penalty, will be in addition to any lother amounts I may owe under the provisions of the Note or the
Security Instrument that secures the Note. If I make a prepayment in full on or after the 2nd anniversary date of the
Note, the Note Holder will inipose no prepayment' penalty.
. iI
EF815N
Loan Numbrr 560433 { Page 2 of 4 Initials 17 IV'
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6. LOAN CHARGES 0 O
If .a law, which applies.to this loan and which sets maximum loan charges, is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
then: (i) any such loan charge shall be reduced by;ihe amount necessary to reduce the charge to the permitted limit:
and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me.. The Note
Holder may choose'to.make this refund by reducing the principal I owe under this Note or by making a direct
payment tome. If a refutid'reduces principal; the li duction will be treated as a partial prepayment.
''7. BORROWER'S FAILURE TO.PAY AS REQUIRED
(A) Late' Charge for• Overdue Payments
If the Note Holderhas.not received the full amount of any monthly payment by the end of 15 calendar days
after the date it is •due, I 'will pay a* late charge to the Note Holder. The amount of the-charge will be 5.00 % of my
overdue payment of principal and interest. I will pay this late charge but only once on each late payment.
I .
(B) Default: •.
If I do not pay the full amount`of each mood ly payment on. the date it is due, I will be in default.
(C) Notice of-Default
IfI am in default, the Note holder may. send ine a written notice telling me that if I do not pay the overdue
amount by a certain date, the Note Holder may require me to pay immediately-the full amount of principal which
has not been paid and alkhe'interest thatI owe otithat amount. That date must be at least 30 days after the date on
which the notice: is mailed.to me. or-delivered by other means.. .
?I
'(D)-No.Walver!By Nbie Holder:'
Even if, at a time when 'I am in default, the Note Holder.does not require me to pay immediately in full as
described above, the Note:Holder willatill have de right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay in full as described above, the Note Holder will have the right to be
paid back by me- for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable
law.::Those expenses-include, for example, reasonable attorneys' fees.
"I
i
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S. GIVING OF NOTICES'
Unless-applicable law requires a different method,•any notice that must be given to me under this Note will
be given by-delivering itor by.mailing it by first class mail to me at the Property Address above or at a different
address if I give the Note Holder a notice of my different address.
'Any notice that must be given to. the' Note Holder under this Note will be given by delivering it or by mailing
it by first class'mail to the Note Holder at the'address stated in Section 3(A) above or at a different address if I am
given a notice of that differentaddre'ss. 4
iI
9. OBLIGATIONS OF.PERSONS UNDER THIS NOTE
If more than one'person signs this.Note, each person is fully and personally obligated to keep all of the
promises made in this Note, including the promise to pay the, full amount owed. Any person who is a guarantor,
surety or endorser of this Note is also obligated tondo these things. Any person who takes over these obligations,
including. the. obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises
made in this Note: The Note Holder may enforce its rights under this Note against each person individually or
against all of us together .This means that any one of us maybe required to pay all of the amounts owed under this
Note. ;I
10. WAIVERS 'I
I and any other person who has obligations under this Note waive the rights of presentment and notice of
dishonor. "Presentment means the right to require the Note Holder to demand payment of amounts due. "Notice of
dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been
paid. ;i
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11: UNIFORM SECURED NOTE iF
nis.Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections
given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security.Deed (the "Security Instrument"),
dated the same date as this Note,.protects the Note Holder from possible losses which might result if I do not keep
the promise that I make in this Note. That Security hnstrument describes how and under what conditions I maybe
required to inake.immediate payment in full of all,amounts I owe under this Note. Some of those conditions are
described as. follows:
,l
Traaifer of the; Property or a Beneficial Interest in Borrower.If all or any, part of the Property or any
interest in the Property<is sold or transferred (or ifiBorrower is not a nitural.person and a beneficial interest-in
Borrower is sold or transferred), without Lender's"prior written consent,.Lender may, at its option, require
immediate payment in full of all sums secured bythis Security InstiumenL However, this option shall not be
exercised by Lender if exercise. is prohibited by Applicable Law. Lender also shall not exercise this option if (a)
Borrower causes to be submitted to Lender information required by lender'to evaluate the intended transferee as if
a new.loan were being made to the'transferee; and (b) Lender reasonably determines that Lender's security will not
be impaired by. the loan'assumption and that the risk of a breach of any covenant or agreement in this Security Instniment is-acceptable to'Lender.. .
To the extent: permitted by Applicable Law Lender may charge a reasonable fee as a condition to Lender's
consent.to the loan assumption.:Lender may also 'iequire the transferee to. sign an assumption agreement that is
acceptable to Lender and that obligates the transferee to keep all the.promises and agreements made in the Note and
in this Security. Insirum6L- Borrower will continue to be obligated under the Note and, this Security Instrument
unless Lender.releases Borrower m writing., 4
-If Lender exercises the option to require iminediate payment in full, Lender shall give Borrower notice of
acceleration:; The notice shall provide.a period of not'less than 30 days.from the date the notice is given in
accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If
Borrower-fails to-pay these sums.priorao the expiration of this period, Lender may invoke any remedies permitted
by this Security Instrument without further noticelor demand on Borrower.
. III
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"WITNESS THE HAND(S) AND SEAL(S) OF,,!THE UNDERSIGNED"
?I
{Seal)
;i
ICath Yinge Bolrinwer
ii
(Sea 1)
-Borrower
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{Sea])
-Borrower
(Seal)
-BOV"wer
(Seal)
-Borrower
EF815N
Loan Number 560433'
Page 4 of 4
Initials
Date: N21 WI
Kathy M. finger
32 East Locust Street
Mechanicsburg, PA 17055
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the
lender intends to foreclose. Specific information about the nature of the default is
provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may
be able to help save your home.
This notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice If you have any questions,
you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.
(persons with impaired hearing can call (717) 780-1869)
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help
explain it. You may also want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES
AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA
TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO
POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA
DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
7006 0810 0003 3580 7437
V1114(
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
nominee for EquiFirst Corporation
CURRENT LENDER/SERVICER:
LAW FIRM FILE NO.:
Kathy M. Yinger
32 East Locust Street, Mechanicsburg, PA 17055
33792243
Mortgage Electronic Registration Systems, Inc. as
Ocwen Loan Servicing, LLC
06-27855
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES
BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this
Notice. During that time you must arrange and attend a "face-to-face" meeting with one
of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30)- DAYS.IF YOU DO NOT
APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING
YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW
TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the
consumer credit counseling agencies listed at the end of this notice, the lender may NOT
take action against you for thirty (30) days after the date of this meeting. The names,
addresses and telephone numbers of designated consumer credit counseling agencies for
the county in which the property is located are set forth at the end of this Notice It is
only necessary to schedule one face-to-face meeting. Advise your lender immediately of
your intentions.
r
APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for
the reasons set forth later in this Notice (see following pages for specific information
about the nature of your default.) If you have tried and are unable to resolve this problem
with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with
one of the designated consumer credit counseling agencies listed at the end of this Notice.
Only consumer credit counseling agencies have applications have for the program and
they will assist you in submitting a complete application to the Pennsylvania Housing
Finance Agency. Your application MUST be filed or postmarked within thirty (30) days
of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO
SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH
IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION- Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the Agency under the eligibility criteria established by
the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a
decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You
will be notified directly by the Pennsylvania Housing Finance Agency of its decision on
your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION
IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR
INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN
ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date).
NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on
your property located at: 32 East Locust Street, Mechanicsburg, PA 17055
IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following
months and the following amounts are now past due:
August 1, 2006 to November 1, 2006 @ 953.21 = $3,812.84
Other charges (explain/itemize):
Late Charges: August 16, 2006 to November 16, 2006 @ _
47.66 190.64
Appraisal Fees: _ $111.00
TOTAL AMOUNT PAST DUE: = $4,114.48
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
gpplicable):
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $4,114.48, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash, cashier's check, certified check or
money order made payable and sent to:
Ocwen Loan Servicing, LLC
Cashiering Department
12650 Ingenuity Drive
Orlando, FL 32826
You can cure any other default by taking the following action within THIRTY (30)
DAYS of the date of this letter: (Do not use if not applicable.)
IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within
THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights
to accelerate the mortgage debt. This means that the entire outstanding balance of this
debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start
legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be
sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its
attorneys, but you cure the delinquency before the creditor begins-legal proceedings
against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you,
you will have to pay all reasonable attorney's fees actually incurred by the lender even if
they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender,
which may also include other reasonable costs. If you cure the default within the
THIRTY (30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not
cured the default within the THIRTY (30) DAY period and foreclosure proceedings have
begun, you still have the right to cure the default and prevent the sale at any time up to
one hour before the Sheriffs Sale. You may do so by paying the total amount then pas
t
due plus any late or other charges then due, reasonable attorney's fees and costs
connected with the foreclosure sale and any other costs connected with the Sheriffs Sale
as specified in writing by the lender and by performing any other requirements under the
mortgage. Curing your default in the manner set forth in this notice will restore
your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date
that such a Sheriffs Sale of the mortgaged property could be held would be
approximately six (6) months from the date of this Notice. A notice of the actual date of
the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure
the default will increase the longer you wait. You may find out at any time exactly what
the required payment or action will be by contacting the lender. If money is due, such
payment must be in cash, cashier's check, certified check or money order made payable to
the lender at the address set forth above.
HOW TO CONTACT THE LENDER:
Name of Lender: C/O The Law Firm of Shapiro and Kreisman
Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406
Phone number: (610) 278-6800
Fax number: (610) 278-9980
Contact person: Ilana Zion, Esquire
EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your
ownership of the mortgaged property and your right,to occupy it. If you continue to live
in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and
other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell
or transfer your home to a buyer or transferee who will assume the mortgage debt,
provided that all the outstanding payments, charges and attorney's fees and costs are paid
prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER
LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF
NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.
(HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR
DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY
FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED
UNDER THE MORTGAGE DOCUMENTS,
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO
SUCH ACTION BY THE LENDER.
0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
h
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
VERIFICATION
Rana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this
action, that she is authorized to make this Verification as the Plaintiff is outside the
jurisdiction of the Court and Plaintiff's verification could not be obtained within the time
necessary to file this pleading, and that the statements made in the foregoing Complaint
in Mortgage Foreclosure are true and correct to the best of her knowledge, information
and belief.
The undersigned understands that this statement herein is made subject to the
penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities.
SHAPIRO & KREISMAN, LLC
BY:
Rana g Esquire
Att'm r Plaintiff
Dated: t?' ? D
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SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO:07-25
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT(S)
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached Verification to the Complaint in the above-captioned civil
action.
Respectfully Submitted,
SHAPIRO & KREISMAN
BY: 6AIJCL?
Ilana Zion, Esqui
Attorneys for Plaintiff
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3 v. Kathy M. Yinger
VERIFICATION
The undersigned is Foreclosure Facilitator of Ocwen Loan Servicing, LLC on behalf of
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3 and as such is familiar
with the records of said corporation, and being authorized to make this verification on behalf of
Plaintiff an officer of the corporation and being authorized to make this verification on behalf of
Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from
records maintained by persons supervised by the undersigned who maintain the business records
of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true
and correct to the best of the knowledge, information and belief of the undersigned.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
Ocwen Loan Servicing, LLC, on behalf of Deutsche Bank National Trust Company, as Trustee
for the registered holders of EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates,
Series 2004-3
Date: January 3, 2007 /,e? ( Cl. ?O
N *e: Jessica Dybas
Title: US Foreclosure Facilitator
Company: Deutsche Bank National Trust Company
Loan: 33792243
06-27855
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-00025 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DEUTSCHE BANK NATIONAL TRUST
VS
YINGER KATHY 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
OCCUPANT the
DEFENDANT , at 1003:00 HOURS, on the 5th day of January-, 2007
at 32 EAST LOCUST STREET APT 1
MECHANICSBURG, PA 17055 by handing to
CHRISTOPHER ZEGANELLI, TENANT
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Sworn and Subscibed to
before me this
So Answers:
6.00
.00
.00
10.00 R. Thomas Kline
.00
-
16.00
01/08/2007
, SHAPIRO & KREISMAN
1??`g
?l?
D By:
day
of A. D. 11
1. . & SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-00025 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
DEUTSCHE BANK NATIONAL TRUST
VS
YINGER KATHY M
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
unable to locate Her in his bailiwick.
f"/%AAT)T T TTTT WAnnm L nnv
but was
He therefore returns the
the within named DEFENDANT , YINGER KATHY M
32 EAST LOCUST STREET
NOT FOUND , as to
MECHANICSBURG, PA 17055
DEFENDANT IS LANDLORD, BUT DOES NOT RESIDE THERE.
Sheriff's Costs: So answe
Docketing 18.00
00
Service 9.68
Not Found 5.00 R. Tho s Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
42.68 SHAPIRO & KREISMAN
j,?;R?o# 01/08/2007
Sworn and Subscribed to before
me this day of ,
A. D.
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT(S) ;
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
PRAECIPE FOR REINSTATEMENT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above-captioned matter.
SHAPIRO & KREISMAN, LLC
BY: ouma- 4,- '-'
Ilana Zion, Esquire
Attorney for Plaintiff
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-00025 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
DEUTSCHE BANK NATIONAL TRUST
VS
YINGER KATHY M
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
VTMnRP KATHY M but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE ,
NOT FOUND , as to
the within named DEFENDANT YINGER KATHY M
3045 LISBURN ROAD
MECHANICSBURG, PA 17055
MOVED AND BELIEVED TO BE AT RT 1 BOX 2071, THACKETVILLE, OK 73459.
l
Sheriff's Costs: So answer •..- -'"
Docketing 18.00
Service 9.60
Not Found 5.00 R. Thomas Kline
Surcharge 10.00 Sheriff of Cumberland County
.00 09
42.60 SHAPIRO & KREISMAN
09/21/2007
Sworn and Subscribed to before
me this day of
A. D.
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
VS.
Kathy M. Yinger
DEFENDANT(S)
PRAECIPE FOR REINSTATEMENT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above-captioned matter.
SHAPIRO & KREISMAN, LLC
BY: alfio:: q?n
Ilana Zion, Esq r
Attorney for Pl iff
O
t
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-00025 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
DEUTSCHE BANK NATIONAL TRUST
VS
YINGER KATHY M
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
YINGER KATHY M but was
unable to locate Her in his bailiwick
COMPLAINT - MORT FORE ,
He therefore returns the
the within named DEFENDANT
YINGER KATHY M
32 EAST LOCUST STREET
MECHANICSBURG, PA 17055
PER JOHN ZIMMERMAN, RESIDENT, DEFENDANT MOVED
TO ALABAMA. NO RECORD OF HER AT POST OFFICE.
NOT FOUND , as to
Sheriff's Costs: So answers:
Docketing 18.00
Service 9.60
Not Found 5.00 R. Thomas Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
7^/b?3e?a ? 4 2 . 6 0 SHAP I RO & KRE I SMAN
10/23/2007
Sworn and Subscribed to before
me this day of ,
A.D.
FROM :
FAX NO. Oct. 16 2007 10:07AM P1
Oct, 12. 2007 4;03PM Cumberland Co, Sheriff No. 7331 P, 2
of ?uInlerl
1
FL THOMAS KUNE FtONAlY R. ANDER90N
St?eAlf Chief Dspuly
EDWARD 1.. SCHORPP JODY S. SMMH
Red Estate Deputy
soRator OFFICE OF THE SHERIFF
one Courthouse Square
Our", Pennsylvania 17013
i
To: P Agency t Tf ??y Z
Date:
Address Information Request
Please f0mish tbis;agmy wide the new address, if avmlablo,'for the fbllowiag individual or verify whether
tha address given below is one at which mail he this a>dividual is outreatly being delivered. If the
Mowing addrast is a post office box, please finish the street address as recorded on tho box bolder s
epplicadon form.
Nsme:
1 ow* the ad&tss information for thin individusl is'required for the performance of tbis'agcney's eff niel
dudes.
Pw-k+?aeri role •?rte?+ , (
Agmay?Of ficial)
StitM•o?- ? ?d1a(re,.r•a S • f .
(Title)
() is delivered t0 address given.
Not Kaowa at Address Given
() Moved, Left No FotwmdWs Address
() No Stxwh Addrgi a
() Oilier (Specify)
Agency Retina Address
ror Post Office Use Only
New Address
Box holders' Street Address
Poettm+rk/.Deto Stamp
Please fax resulty t4 the Curnberland County ShrrlMs O?Ice. Nmm
Addrocs Wprmfta kmpmt (Required format) "7a
Exhibit 352.±14b
ijg 16
USPS
16
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I. D . NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
vs.
Kathy M. Yinger
DEFENDANT(S)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
PRAECIPE FOR REINSTATEMENT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above-captioned matter.
SHAPIRO & KREISMAN, LLC
BY: (S'C?
Ilana Zion, Esquire
Attorney for Plaintiff
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PROVEST, LLC go SHAPIRO AND KREIN, LLC (PA)
P.O. Box 1180 3600 HORIZON DRIVE, S ITE 150
Bay Shore, New York 11706 KING OF PRUSSIA, PA 19406
(631) 666-6168
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
CIVIL ACTION- LAW COURT CASE NO.: 07-25
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS
TRUSTEE FOR THE REGISTERED HOLDERS OF EQUIFIRST
MORTGAGE LOAN TRUST 2004-3, ASSET-BACKED
CERTIFICATES, SERIES 2004-3,
Plaintiff,
Against AFFIDAVIT
OF SERVICE
KATHY M. YINGER, ET AL
Defendants,
STATE OFOKLAHOMA 1 COUNTY OF LOVE
CH12L C=- ) N being duly sworn, deposes and says: that deponent is not a party to this action, is over
18 years of age and resides in the State of OK.
9 -7 -10 r`
That on 1 /0r at 'a ' I at RT 1 BOX 2071, THACKERVILLE, OK 73459 deponent served the within
COMPLAINT bearing court case number 07-25 on KATHY M. YINGER, defendant therein named,
INDIVIDUAL
by delivering thereat a true copy of each to said defendant personally, deponent knew said
U person so served to be the person described as said defendant therein. (S)He identified (her)
himself as such.
SUITABLE AGE
PERSON By delivering thereat a copy of each to , a person of
suitable age and discretion. That person was also asked by deponent whether said premises
? was the defendant's dwelling home and the reply was affirmative.
DESCRIPTION Deponent describes the individual served to the best of deponent's ability at the time and
circumstances of service as follow:
Sex Skin Color Hair Color Age A rx Height (Aprx) Weight (Aprx)
F:AI (L MAP/ 40 3 3 ` tc o I I's
MILITARY I asked the person spoken to whether the defendant was in active military service of the
SERVICE United States or of the State of OK in any capacity whatever and received a negative reply.
The source of my information and the grounds of my belief I aver that the defendant is not in
Fx--1 the military service of OK or of the United States as that term is defined in either the State or
Federal statutes.
SVO?E 7 RE ME ON
a,) /, 6(
S??b7
LICENS _
FIL 06-27855
CASE ID 756854
P
h
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
vs.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:07-25
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND ASSESSMENT OF DAMAGES
Enter Judgment IN REM in the amount of $173,535.22 in favor of the Plaintiff and against
the defendant, for failure to file an answer to Plaintiff s Complaint in Mortgage Foreclosure within 20
days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the
Complaint:
Principal of mortgage debt due and unpaid
Interest at 9.95% from November 1, 2006 to March
31, 2007 (151 days @ $38.36 per diem)
Interest at 10.95% from April 1, 2007 to September
30, 2007 (183 days @ $42.21 per diem)
Interest at 11.63% from October 1, 2007 to January
21, 2008 (113 days @ $44.83 per diem)
Late charges (for certain months prior
to default and every month after at a rate of
$47.66 per month)
Escrow Advance
Property Inspections
Suspense/Unapplied Balance
Appraisal Fees
Title Search Report Fees
Attorneys Fees
TOTAL AMOUNT DUE
$140,702.35
$5,792.36
$7,724.43
$5,065.79
$857.88
$8,627.03
$42.00
($748.62)
$222.00
5250.00
$5,000.00
5'x`6.22
Attorney for Plaintiff
AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant and
damages are assessed as above in the sum of $173,535.22.
06-27855
ro. rthy.
/ alos
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
STATE OF: Pennsylvania
COUNTY OF: Montgomery
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
07-25
AFFIDAVIT OF NON-MILITARY SERVICE
THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen
years and competent to make this affidavit and the following averments are based upon
information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that
the above captioned Defendants last known address is as set forth in the caption and they are
not to the best of our knowledge, information or belief, in the Military or Naval Service of the
United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of
1940, as amended.
S I i0 & KREISMAN; LLC
OAAdir
Lauren R. Tabas, Esquire
Sworn to and subscribed
before me this /- day
of ../? C•,Z 2008.
N ry Pub i
'COMMONWEALTH OF PENNSYLVANIA
EANITA OTARIAL SEAL
E. LEVY Nnt.,f, P,jbli c
l Boro on ExFr., > on, t >ru
Request for Military Status _ _
Department of Defense Manpower Data Center
40 Military Status Report
Pursuant to the Servicemembers Civil Relief Act
Page 1 of 2
JAN-15-2008 13:55:16
< Last Name First/Middle Begin Date Active Duty Status Service/Agency
YINGER Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military.
14
lot. A?091-
Aut Y(V4- ,
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. §§ 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA
may be invoked against you.
If you obtain further information about the person ( e.g., an SSN, improved accuracy of DOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http://www.defenselink.mil/faq_/pis/PC09SLDR.htm1
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https://www.dmdc.osd.miVscra/owa/scra.prc_Select 1/15/2008
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
VS.
Kathy M. Yinger
DEFENDANTS
CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1
The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe
for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their
attorney of record, if any, after the default occurred and at least (10) days prior to the date of
the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice
attached hereto, January 8, 2008 to the following Defendants:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OK 73459
Kevin Dwyer, Legal Assistant
to Ilana Zion, Esquire for
Shapiro & Kreisman, LLC
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I. D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANTS
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
NOTICE OF INTENTION TO TAKE DEFAULT
UNDER Pa.R.C.P. 237.1
IMPORTANT NOTICE
TO: Kathy M. Yinger
DATE OF NOTICE: January 8, 2008
You are in default because you have failed to enter a written appearance personally or by attorney
and file in writing with the court your defenses or objections to the claims set forth against you. Unless
you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a
hearing and you may lose your property or other important rights. You should take this notice to a
lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office
to find out where you can get legal help:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte
en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha
de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar
preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos
importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene
abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o flame por telefono a
la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir
assitencia legal:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OK 73459
&W )(M
Ilana Zion, Esquire
Shapiro & Kreisman, C
Attorney for Plaintiff
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:07-25
CERTIFICATE OF SERVICE
I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served
by first class mail, postage prepaid, true and correct copies of the attached papers upon the
following person or their attorney of record:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
Date mailed: / f 4 14)
BY
06-27855
Attorney for Plaintiff
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:07-25
CERTIFICATION OF ADDRESS
I hereby certify that the correct address of the judgment creditor (Plaintiff) is:
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
and that the last known address of the judgment debtor (Defendant) is:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
& KREISMAN, LLC
I_,adren R. Tabas, Esquire
Attorney for Plaintiff
06-27855
? L D
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Clerk
Cumberland County Courthouse
I Courthouse Square
Carlisle, PA 17013
Curtis R. Long
Prothonotary
TO: Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:07-25
VS.
Kathy M. Yinger
DEFENDANT
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.
is R. g
Prothonotary[XX] Judgment by Default
[ ] Judgment for Possession
[ ] Judgment on Award of Arbitration
[ ] Judgment on Verdict
[ ] Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
Caption: () Confessed Judgment
() Other
Deutsche Bank National Trust Company, as File No. - 015
Trustee for the registered holders of EquiFirst Amount Due $173,535.22
Mortgage Loan Trust 2004-3, Asset-Backed Interest January 22, 2008 to June 11, 2008
Certificates, Series 2004-3 is $7,795.89
PLAINTIFF Atty's Comm
vs. Costs
Kathy M. Yinger
DEFENDANT
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or
account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed
pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended.
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon
the following described property of the defendant(s)
See attached Legal Description
PRAECIPE FOR ATTACHEMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named garnishee(s) for the following property (if real
estate, supply six copies of the description; supply four copies of lengthy personalty list)
and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s).
(Indicate) Index this writ against the garnishee(s) a a li p dens against real
defendant(s) described in the attached exhibit. P':auren Date: Signa ure:
Print R. Tabas. Esal
Address: 3600 Horizon Drive, Ste. 150
King of Prussia, PA 19406
Attorney for: Plaintiff
Supreme Court ID # PA Bar # 93337
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SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
AFFIDAVIT PURSUANT TO RULE 3129.1
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, Plaintiff in the
above action, sets forth, as of the date the praecipe for the writ of execution was filed, the
following information concerning the real property located at 32 East Locust Street,
Mechanicsburg, PA 17055.
Name and address of Owner
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
2. Name and address of Defendant in the judgment:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
rr
4. Name and address of the last recorded holder of every mortgage of record:
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3,
Plaintiff, 1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
5. Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest may be affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has
any interest in the property which may be affected by the sale:
TENANT OR OCCUPANT
32 East Locust Street
Mechanicsburg, PA 17055
Christopher Zeganelli
32 East Locust Street
Mechanicsburg, PA 17055
I verify that the statements made in this affidavit are true and correct to the best of my
personal knowledge or information and belief. I understand that false statements herein are
made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to
authorities.
& KREISMAN, LLC
BY:
Lauren R. Tabas, Esquire
06-27855
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SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
Your house (real estate) at:
32 East Locust Street, Mechanicsburg, PA 17055
19-23-056 5-033
is scheduled to be sold at Sheriffs Sale on June 11, 2008 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at I0:00a.m., to enforce the court judgment of $173,535.22 obtained by Deutsche Bank National
Trust Company, as Trustee for the registered holders of EquiFirst Mortgage Loan Trust 2004-3,
Asset-Backed Certificates, Series 2004-3 against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst Mortgage Loan Trust 2004-3, Asset-
Backed Certificates, Series 2004-3 the amount of the judgment plus costs or the back
payments, late charges, costs, and reasonable attorneys fees due. To find out how much
you must pay, you may call: (610) 278-6800.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice on page two of how to obtain an
attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE
OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
5. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may call 717-240-6390.
7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
8. You have a right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer.
At that time, the buyer may bring legal proceedings to evict you.
9. You may be entitled to a share of the money, which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff
within ten (10) days after the date of filing of said schedule.
10. You may also have other rights and defenses or ways of getting your house back, if you
act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
06-27855
All that certain house and lot of ground situate on the South side of East Locust Street, in the
Second Ward of the Borough of Mechanicsburg, County of Cumberland and Commonwealth of
Pennsylvania, bounded and described as follows, to wit:
Beginning on the North in front by East Locust Street; on the East by property nor or formerly of
Mrs. Bertha Kintz; on the South by St. John's Alley; and on the West by property now or
formerly of Tobias Gelling. Containing 26 feet in front on Locust Street and of an even width
throughout, extending and having a depth of 193 feet to St. John's Alley.
Having thereon erected a two and one-half story frame dwelling house known and numbered as
32 East Locust Street, Mechanicsburg, Pennsylvania, with detached garage building on the rear.
Under and subject, nevertheless, to Acts of Assembly, county and borough ordinances, rights of
public utility and public service companies, existing restrictions and easements, visible or of
record, to the extent that any persons or entities have acquired legal rights thereto.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-25 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY,
as Trustee for the registered holders of EQUIFIRST MORTGAGE LOAN TRUST 2004-3, ASSET-
BACKED CERTIFICATES, SERIES 2004-3, Plaintiff (s)
From KATHY M. YINGER
(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 $173,535.22 L.L.$ 0.50
Interest 1/22/08 to 6/11/08 is $7,795.89
Atty's Comm % Due Prothy $2.00
Atty Paid $269.88 Other Costs
Plaintiff Paid
Date: 1/22/08
,P'?r'othonota
(Seal) By:
REQUESTING PARTY:
Name LAUREN R. TABAS, ESQUIRE
Address: SHAPIRO & KREISMAN, LLC
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Deputy
Supreme Court ID No. 93337
..t
SHAPIRO & KREISMAN, LLC
BY: CHRISTOPHER A. DENARDO, ESQUIRE
ATTORNEY I. D. NO: PA Bar # 78447
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
vs.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, Plaintiff in the above action, sets
forth, as of the date the praecipe for the writ of execution was filed, the following information concerning
the real property located at 32 East Locust Street, Mechanicsburg, PA 17055.
Name and address of Owner
Kathy M. Yinger
Rte I Box 2071
Thackerville, OK 73459
Name and address of Defendant in the judgment:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OK 73459
Name and last known address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
4. Name and address of the last recorded holder of every mortgage of record:
Deutsche Bank National Trust Company, as Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, Plaintiff, 1665 Palm
Beach Lakes, Suite 105
West Palm Beach, FL 33401
Kathleen Magnusson
c/o Thomas D. Gould, Esquire
2 East Main Street
Shiremanstown, PA 17011
Name and address of every other person who has any record lien on the property:
NONE
Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
TENANT OR OCCUPANT
32 East Locust Street
Mechanicsburg, PA 17055
Christopher Zeganelli
32 East Locust Street
Mechanicsburg, PA 17055
Q
I verify that the statements made in this affidavit are true and correct to the best of my personal
knowledge or information and belief. I understand that false statements herein are made subject to the
penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities.
SHAPIRO & KREISMAN, LLC
BY:
Christopher A. DeNardo, Esquire
06-27855
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CO
PROVEST, LLC SHAPIRO AND KREISMAN, LLC (PA)
P.O. Box 1180 3600 HORIZON DRIVE, SUITE 150
Bay Shore, New York 11706 KING OF PRUSSIA, PA 19406
(631) 666-6168
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
CIVIL ACTION- LAW COURT CASE NO.: 07-25
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS
TRUSTEE FOR THE REGISTERED HOLDERS OF EQUIFIRST
MORTGAGE LOAN TRUST 2004-3, ASSET-BACKED
CERTIFICATES, SERIES 2004-3,
Plaintiff,
Against AFFIDAVIT
OF SERVICE
KATHY M. YINGER, ET AL
Defendants,
STATE OF OKLAHOMA COUNTY OF LOVE
-3 0 58Dk\ I GQ S- being duly sworn, deposes and says: that deponent is not a party to this action, is over
18 years o age and r s in the State of OK.
')
That on 3? at t4l at RTE 1 BOX 2071, THACKERVILLE, OK 73459 deponent served the within
NOTICE OF SALE bearingse number 07-25 on KATHY M. YINGER, defendant therein named,
INDIVIDUAL
by delivering thereat a true copy of each to said defendant personally, deponent knew said
person so served to be the person described as said defendant therein. (S)He identified (her)
himself as such.
SUITABLE AGE
PERSON By delivering thereat a copy of each to , a person of
F-1 suitable age and discretion. That person was also asked by deponent whether said premises
was the defendant's dwelling home and the reply was affirmative.
DESCRIPTION Deponent describes the individual served to the best of deponent's ability at the time and
circumstances of service as follow:
Sex Skin Color Hair Color Age (Apra) Height (Aprx) Weight (AAprx)
1P WWC, Ntb& , 3s-qi) 5'6 ( 5O I6s
MILITARY I asked the person spoken to whether the defendant was in active military service of the
SERVICE United States or of the State of OK in any capacity whatever and received a negative reply.
Fx_1 The source of my information and the grounds of my belief I aver that the defendant is not in
the military service of OK or of the United States as that term is defined in either the State or
Federal statutes.
SWORN TO BEFORE ME ON
CEN ° S L, a Ob1 -Z
L 06-27855
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SHAPIRO & DENARDO, LLC
BY: CHRISTOPHER A. DENARDO, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 78447
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
vs.
Kathy M. Yinger
DEFENDANT(S)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
CERTIFICATION OF NOTICE TO LIENHOLDERS
PURSUANT TO PA R.C.P 3129.2 (C) (2)
I, Denise Semetti, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the
Plaintiff, Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst. Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, hereby certify
that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by
United States mail, first class, postage prepaid, with Certificates of Mailing on February 21,
2008, the originals of which are attached and that each of said persons appears on Plaintiffs
Affidavit pursuant to Pa. R.C.P. 3129.1.
The undersigned understands that the statements herein are subject to the penalties
provided by 18 P.S. Section 4904.
Respectfully submitted,
SHAPIRO & DENARDO, LLC
BY:
Denise 8emetti
Legal Assistant
06-27855
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N 77
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ISS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriffs Deed in which EQUIFIRST MTG LOAN TRUST 2004-3 TR is the grantee the same
having been sold to said grantee on the I I TH day of JUNE A.D., 2008, under and by virtue of a writ
Execution issued on the 22 day of JAN, A.D., 2008, out of the Court of Common Pleas of said County
as of Civil Term, 2007 Number 25, at the suit of EQUIFIRST MTG LOAN TRUST 2004-3 TR against
KATHY M YINGER is duly recorded as Instrument Number 200820736.
IN TESTIMONY WHEREOF, I have hereunto set my hand
and seal of said office this c3 day of
A.D.
of Deeds
h 8ft Cu"h W County. WW PA
My NftfAWw E*" to FW Mw4py of JUL 00
Deutsche Bank National Trust Co., as
Trustee for the registered holders of
Equifirst Mortgage Loan Trust 2004-3,
Asset-backed Certificates, Series 2004-3
Vs
Kathy M. Yinger
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2007-25 Civil Term
Kathy M. Yinger is going to be served the Notice of Sale via an out of state process server,
per attorney.
David McKinney, Deputy Sheriff, who being duly sworn according to law, states that on
April 02, 2008 at 1228 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 Kathy M. Yinger, located at 32
East Locust Street, Mechanicsburg, Cumberland County, Pennsylvania according to law.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the
above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff
mailed a notice of the pendency of the action to the within named defendant, to wit: Kathy M.
Yinger by regular mail to her last known address of Rte 1 Box 2071, Thackerville, OH 73459. This
letter was mailed under the date of March 31, 2008 and never returned to the Sheriffs Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and
legal notice had been given according to law, he exposed the within described premises at public
venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on June 11, 2008 at
10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Lauren Tabas, on behalf of
Deutsche Bank National Trust Company, as Trustee for the registered holders of Equifirst Mortgage
Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3. It being the highest bid and best price
received for the same, Deutsche Bank National Trust Company, as Trustee for the registered
holders of Equifirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3 of
12650 Ingenuity Drive, Orlando, FL 32826, being the buyer in this execution, paid to Sheriff R.
Thomas Kline the sum of $935.21.
Sheriff s Costs:
Docketing 30.00
Poundage 18.34
Posting Bills 15.00
Advertising 15.00
Acknowledging Deed 48.00
Auctioneer 10.00
Law Library .50
Prothonotary 2.00
Mileage 9.60
Levy 15.00
Surcharge 20.00
Law Journal 355.00
Patriot News 317.54
Share of bills 14.73
Distribution of proceeds 25.00
Sheriff s deed 39.50
$935.21 V
So Answers:
R. Thomas Kline, Sheriff
B J _
Real Estate rgeant
ot"
4y'
ck. L y,?u ?
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SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
VS.
Kathy M. Yinger
DEFENDANT
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
AFFIDAVIT PURSUANT TO RULE 3129.1
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3, Plaintiff in the
above action, sets forth, as of the date the praecipe for the writ of execution was filed, the
following information concerning the real property located at 32 East Locust Street,
Mechanicsburg, PA 17055.
1. Name and address of Owner
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
2. Name and address of Defendant in the judgment:
Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
3. Name and last known address of everyjudgment creditor whose judgment is a record lien
on the real property to be sold:
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3
1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
4. Name and address of the last recorded holder of every mortgage of record:
Deutsche Bank National Trust Company, as Trustee for the registered holders of
EquiFirst Mortgage Loan Trust 2004-3, Asset-Backed Certificates, Series 2004-3,
Plaintiff, 1665 Palm Beach Lakes, Suite 105
West Palm Beach, FL 33401
5. Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest may be affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has
any interest in the property which may be affected by the sale:
TENANT OR OCCUPANT
32 East Locust Street
Mechanicsburg, PA 17055
Christopher Zeganelli
32 East Locust Street
Mechanicsburg, PA 17055
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 unworn falsification to
authorities.
& KREISMAN, LLC
BY:
Lauren R. Tabas, Esquire
06-27855
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 06-27855
Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst
Mortgage Loan Trust 2004-3, Asset-Backed
Certificates, Series 2004-3
PLAINTIFF
vs.
Kathy M. Yinger
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-25
DEFENDANT
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Kathy M. Yinger
Rte 1 Box 2071
Thackerville, OH 73459
Your house (real estate) at:
32 East Locust Street, Mechanicsburg, PA 17055
19-23-056 5-033
is scheduled to be sold at Sheriffs Sale on June 11, 2008 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00a.m., to enforce the court judgment of $173,535.22 obtained by Deutsche Bank National
Trust Company, as Trustee for the registered holders of EquiFirst Mortgage Loan Trust 2004-3,
Asset-Backed Certificates, Series 2004-3 against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as
Trustee for the registered holders of EquiFirst Mortgage Loan Trust 2004-3, Asset-
Backed Certificates, Series 2004-3 the amount of the judgment plus costs or the back
payments, late charges, costs, and reasonable attorneys fees due. To find out how much
you must pay, you may call: (610) 278-6800.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice on page two of how to obtain an
attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE
OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
5. You may be able to petition the Court.to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may call 717-240-6390.
7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
8. You have a right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer.
At that time, the buyer may bring legal proceedings to evict you.
9. You may be entitled to a share of the money, which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff
within ten (10) days after the date of filing of said schedule.
10. You may also have other rights and defenses or ways of getting your house back, if you
act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
06-27855
All that certain house and lot of ground situate on the South side of East Locust Street, in the
Second Ward of the Borough of Mechanicsburg, County of Cumberland and Commonwealth of
Pennsylvania, bounded and described as follows, to wit:
Beginning on the North in front by East Locust Street; on the East by property nor or formerly of
Mrs. Bertha Kintz; on the South by St. John's Alley; and on the West by property now or
formerly of Tobias Gelling. Containing 26 feet in front on Locust Street and of an even width
throughout, extending and having a depth of 193 feet to St. John's Alley.
Having thereon erected a two and one-half story frame dwelling house known and numbered as
32 East Locust Street, Mechanicsburg, Pennsylvania, with detached garage building on the rear.
Under and subject, nevertheless, to Acts of Assembly, county and borough ordinances, rights of
public utility and public service companies, existing restrictions and easements, visible or of
record, to the extent that any persons or entities have acquired legal rights thereto.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-25 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY,
as Trustee for the registered holders of EQUIFIRST MORTGAGE LOAN TRUST 2004-3, ASSET-
BACKED CERTIFICATES, SERIES 2004-3, Plaintiff (s)
From KATHY M. YINGER
(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 $173,535.22 L.L.$ 0.50
Interest 1/22/08 to 6/11/08 is - $7,795.89
Atty's Comm % Due Prothy $2.00
Atty Paid $269.88 Other Costs
Plaintiff Paid
Date: 1/22/08
Prothonota
(Seal) By:
Deputy
REQUESTING PARTY:
Name LAUREN R. TABAS, ESQUIRE
Address: SHAPIRO & KREISMAN, LLC
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Supreme Court ID No. 93337
Real Estate Sale # 42
On February 27, 2008 the Sheriff levied upon the
defendant's interest in the real property situated in
Borough of Mechanicsburg, Cumberland County, PA
Known and numbered as 32 East Locust Street, Mechanicsburg,
more fully described on Exhibit "A"
filed with this writ and by this reference
incorporated herein.
Date: Feb na By:
ry-27, Real Estat ergeant
/Yk
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
ss.
COUNTY OF CUMBERLAND :
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:
May 2, May 9, and May 16, 2008
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.
Coyne,
SWORN TO AND SUBSCRIBED before me this
16 day of May, 2008
Notary
NOTARIAL SEAL
DEBORAH A COLLINS
Notary Public
CARLISLE BORO, CUMBERLAND COUNTY
My Commission Expires Apr 28, 2010
all" JOTATS OAi i ICJ. 42
Writ No. 2007-25 Civil
Deutsche Bank National Trust
Company, as Trustee for the
registered holders of Equifirst
Mortgage Loan Trust 2004-3, Asset-
Backed Certificates, Series 2004-3
vs.
Kathy M. Yinger
Atty.: Lauren Tabas
All that certain house and lot of
ground situate on the South side of
East Locust Street, in the Second
Ward of the Borough of Mechanics-
burg, County of Cumberland and
Commonwealth of Pennsylvania,
bounded and described as follows,
to wit:
Beginning on the North in front
by East Locust Street; on the East by
property nor or formerly of Mrs. Ber-
tha Kintz; on the South by St. John's
Alley; and on the West by property
now or formerly of Tobias Gelling.
Containing 26 feet in front on Locust
Street and of an even width through-
out, extending and having a depth of
193 feet to St. John's Alley.
Having thereon erected a two
and one-half story frame dwelling
house known and numbered as 32
East Locust Street, Mechanicsburg,
Pennsylvania, with detached garage
building on the rear.
Under and subject, nevertheless,
to Acts of Assembly, county and
borough ordinances, rights of public
utility and public service companies,
existing restrictions and easements,
visible or of record, to the extent that
any persons or entities have acquired
legal rights thereto.
The Patriot-News Co.
812 Market St.
Harrisburg, PA 17101
Inquiries - 717-255-8292
CUMBERLAND COUNTY SHERIFFS OF
CUMBERLAND COUNTY COURT HOUSE
14t Patriot-News
Now you know
CARLISLE PA 17013
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 on the date(s) indicated below. 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 COPY This ad ran on the date(s) shown below:
04123/08
04/30/08
05107/08
'r' ?•7 ?ry? •.. -r ..... . .... .. .
Sworn to an su scribed before me this 27 day-latMay, 2008 A.D.
ry
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Chyle L. Sheppard, Notary Public
City Of Harrisburg, Dauphin County
My Commission Expires May 29, 2010
Member, Pennsylvania Association of Notaries
Real Estate Sale #42
Writ No. 2007-25 Civil Term
Deutsche Bank National Trust
Company, as Trustee for the
registered holders of Equifirst
Mortgage Loan Trust 20043,
Asset-Backed Certificates,
Series 2004-3
VS
Kathy M.Yinger
Attorney: Lauren Tabas
DESCRIPTION
All that certain house and lot of ground situate
on the South side of East Locust Street, in the
Second Ward of the Borough of Mechanicsburg,
County of Cumberland and Commonwealth of
Pennsylvania, bounded and described as follows,
to wit:
Beginning on the North in front by East Locust
Street; on the East by property nor or formerly
of Mrs. Bertha Kintz; on the South by St. John's
Alley; and on the West by property now or
formerly of Tobias Gelling. Containing 26 feet
in front on Locust Street and of an even width
throughout, extending and having a depth of 193
feet to St. John's Alley.
Having thereon erected a two and one-half story
frame dwelling house known and numbered as
32 East Locust Street, Mechanicsburg,
Pennsylvania, with detached garage building on
the rear.
Under and subject, nevertheless, to Acts of
Assembly, county and borough ordinances,
rights of public utility and public service
companies, existing restrictions and easements,
visible or of record, to the extent that any
persons or entities have acquired legal rights
thereto.