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BALLARD SPAHR LLP

By: Martin C. Bryce, Jr., Esquire (I.D. # 21241990)


Christopher N. Tomlin, Esquire (I.D. # 012342007)
Michele C. Ventura, Esquire (I.D. # 022372011)
210 Lake Drive East, Suite 200
Cherry Hill, NJ 08002
Telephone: 856.761.3400
Facsimile: 856.761.1020
Attorneys for Plaintiff,
CitiMortgage, Inc.
CITIMORTGAGE, INC.,
Plaintiff,
v.
JYLL JAKES, et al.,
Defendants.
SUPERIOR COURT OF NEW JERSEY
CHANCERY DIVISION
MONMOUTH COUNTY
DOCKET NO. F-17294-14
CIVIL ACTION
PLAINTIFF'S REQUESTS FOR
ADMISSION ADDRESSED TO
DEFENDANT
PLEASE TAKE NOTICE that plaintiff CitiMortgage, Inc. ("Plaintiff'),
pursuant to R. 4:22, hereby requests that defendant Jyll Jakes ("Defendant" or "You") admit the
following facts within the time required by the Rules of Court and/or any applicable scheduling
orders ..
DATED: October 14, 2014
DMEAST #19995270 v1
Martin C. Bryce, Jr.
Christopher N. Tomlin
Michele C. Ventura
BALLARD SPAHR LLP
210 Lake Drive East, Suite 200
Cherry Hill, New Jersey 08002
Attorneys for Plaintiff,
CitiMortgage, Inc.
DEFINITIONS
1. The terms "You," "Your," and/or "Defendant" refer to the defendant, Jyll
Jakes, and/or any of her attorneys, agents, employees or representatives.
2. The term "Plaintiff' refers to the plaintiff, CitiMortgage, Inc.
3. The term "Complaint" refers to the Complaint filed by Plaintiff in this
action.
4. The term "Defendant's Answer" or "Your Answer" refers to the Answer
and Affirmative Defenses filed by Defendant in this action.
5. The term "Mortgage Loan" refers to the mortgage loan in the original
principal amount of$300,000.00, originated by ABN AMRO MORTGAGE GROUP, INC., and
taken out by Defendant on or about July 15, 2005.
6. The term "Note" refers to the Note dated July 15, 2005, signed by
Defendant and evidencing the Mortgage Loan.
7. The term "Mortgage" refers to the Mortgage dated July 15, 2005, signed
by Defendant and securing repayment of the Mortgage Loan.
8. The term "Loan Modification Agreement" refers to the Home Affordable
Modification Agreement dated April 1, 2010, signed by Defendant and modifying certain terms
of the Note and Mortgage.
9. The term "Premises" refers to the real property located at 12 South Street,
Sea Bright, New Jersey.
DMEAST #19995270 v1
REQUESTS
1. On or about July 15, 2005, You obtained the Mortgage Loan from ABN
AMRO MORTGAGE GROUP, INC.
RESPONSE:
2. The document attached hereto as Exhibit A is a true, correct, and genuine
copy of the Note dated July 15, 2005.
RESPONSE:
3. The document attached hereto as Exhibit A was signed by You.
RESPONSE:
4. The signature appearing on page 2 of the document attached hereto as
Exhibit A, above the line labeled "Jyll S. Jakes," is Your signature.
RESPONSE:
5. The document attached hereto as Exhibit B is a true, correct, and genuine
copy of the Mortgage dated July 15, 2005.
DMEAST #19995270 v1 3
RESPONSE:
6. The document attached hereto as Exhibit B was signed by You.
RESPONSE:
7. The signature appearing on the last page of the document attached hereto
as Exhibit B, above the line labeled "Jyll S. Jakes," is Your signature.
RESPONSE:
8. The document attached hereto as Exhibit C is a true, correct, and genuine
copy of the Loan Modification Agreement dated April 1, 2010.
RESPONSE:
9. The document attached hereto as Exhibit C was signed by You.
RESPONSE:
10. The signature appearing on page 6 of the document attached hereto as
Exhibit C, above the line labeled "Jyll S. Jakes, is Your signature.
DMEAST #19995270 v1 4
RESPONSE:
11. Except as set forth in the Loan Modification Agreement, there has been no
modification to the terms of the Note and Mortgage.
RESPONSE:
12. The documents attached hereto as Exhibit D are true, correct, and genuine
copy of Notices of Default and Intention to Foreclose, each dated November 21, 2013.
RESPONSE:
13. One or more copies of the documents attached hereto as Exhibit D were
delivered to You by the United States Post Office on or about December 14, 2013.
RESPONSE:
14. The Mortgage Loan is in default due to nonpayment.
RESPONSE:
DMEAST #19995270 v1 5
EXHIBIT A
JULY 15, 2005
[Date]
NOTE
RED BARK,
(City)
'
12 SOUTH STREET, SEA BRIGHT, NJ 07760
[Property Address)
1. BORROWER'S PROMISE TO PAY
LOAN #1
KEW JERSEY
(State)
In retum for a loan that I have received, I promise to pay U.S. $300 ,ooo. oo (this amount is called "Principal"),
plus interest, to the order of the lender. The Lender is AEIN AMRO MOR'.CGi\GE GROUP, IHC. , A DELAWARE

I will make 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."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a
yearly rate of 5. 750\.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section
6(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making a payment every month.
I will make my monthly payment on the lST day of each month beginning on SEPTEMBER l, 2005.
I wilt make these payments every month until I have paid alf of the principal and interest and any other charges described
below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be
applied to interest before Principal. If, on AUGUST 1, 2035, I still owe amounts under this Note, I will
pay those amounts in full on that date, which Is called the "Maturity Date."
I will make my monthly payment.s at
4242 H. HAR.LEM AVE.
NORRIDGE, IL 60706
ATTN: CASHIERING
or at a different place if required by the Note Holder.
(8) Amount of Monthly Payments
My monthly payment will be in the amount of U.S. $1, 750. 72.
4. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known
as a "Prepayment. When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate
a payment as a Prepayment it I have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will
use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply
my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to
reduce the Principal amount of the Note. If I make a partial 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.
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally Interpreted so that the Interest
or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any
such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any
sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose
to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund
reduces Principal, the reduction will be treated as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has 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 wiU be s, 000%
of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount
by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been
paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice
Is mailed to me or delivered by other means.
(D) No Waiver By Note Holder
Even if, at a lime when I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to do so if I am in default at a later time. C'x'Av
Initials ...::V::!._
MULTISTATE FIXED RATE NOTE-Single Family-Fannie Mae/Fr&ddle Mac UNIFORM INSTRUMENT Form 3200.1/01
1999-2004 Onnne Documents. Inc. Page 1 Of 2 F32ooNOT 0401
07-15-2005 8a10
LOAN la
{E} Paymont of Note Holder's Costs and Expenses
ff the Note Holder has required me to pay immediately in fUU as described above, the Note Holder will have the right
to be paid back by me tor all of its costs and expenses fn enforcing this Note to the extent not prohibited by applicable
law. Those expenses Include, for example, reasonable attorneys' fees.
7. 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 it or 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 wm 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 different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is 1utly 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 to do these things. Any person who takes over these obligations, including the obligations
of a guarantor, surety or endorser of this Note, Is also obligated to keep all of the promises made fn this Note. The Note
Hotder may enforce its rights under this Note against each person individually or against all of us together. This means
that any one of us may be required to pay all of the amounts owed under this Note.
9. WAIVERS
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.
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given
to the Note Holder under this Note, a Mortgage, 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 promises
which I make in this Note. That Security Instrument describes how and underwhat conditions I may be required to make
immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows:
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,
Lender may require Immediate payment in full of all sums secured by this Security Instrument. However, this
option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide
a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which
Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums prior to the
expiration of this period, Lender may invoke any remedies permitted by this Security Instrument withoutfUrther
notice or demand on Borrower.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
q ~ (Soal)
JYLL S. JAKES
PAY TO THE ORDER OF
[Sign Origlnal OnlyJ
MULTISTATE AXED RATE NOTE-Single Family-Fannie Maeffreddle Mac UNIFORM INSTRUMENT Form 32001/01
<Cl 1999-2004 Online Documents. Inc. Page 2 Of 2 F3200NOT 0401
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EXHIBITB
Branch :FOL,User:NJFO Order: 206644FTS Title Officer: Comment:
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ICBIGU t8071-417l
DOCUMlllfts . RECORP AND RETURN Tt-
MONMOUTH l ITLE AGENCY, INC .
. t88 East Bargen Place
Suilq 103104
Station Id :XEII
This instrument was prepared by:
Rtd Bank, N.1 07701 . ooom iHDl
sm
ooom !lNIOl!O:>l1.I UNAOJ
Signature of Preparer
6 ;5t!&Dd t101

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I.Id 7o:t,.:
SOOZ 60 &nl!;jl
ND 03Cli!lml!
--------ISl .. A-T111aUneForll_,,'"9Dellll':"" ----'-------1.2S9Z:lS00Z:
606396
LOAll It 650171620
MORTUAGE !138\lnH lN3llRll1SHl
DEFINlTIONS
rH'klH003 HlOOUHOU
M
Words used in multiple sections of this document are delrKKI below and other words ar. defined in Sections 3, 11, 13,
18, 20 and 21. Certain ruin ragardingthe usage of words \1sed in this document are also provided in Section 16.
{A) "Security lnll1nlment" means this Which is c:t.ted JULI l5, ZOOS, IOgalher wilh
aU Riders IO lhis cloc\lment.
(B) "Bol'l'O\Mr" Is Jiu. 8. JIWIS, A sum.a WCflNI.
BorrQWGf.iS the mortgagor under lhlii Security Instrument.
(C) "I.ender" ls AllW .MRO HOllTGaOB GROUP, xac.
Lender IS a CORPORATIOS,
DBLAWIUIB
RIJ, , "i'ROr, MlClllQU .HOH.
. organized and axistlng under Iha laws of
Lender's addrns is 2600 If. 810 BDVBll.
Lender is the mortgagee under this Security Instrument . .
(D) "Note" means the promissory.note signed by Borrower and dawd .nn.r 15, 2005. The Note
states that Borrower ow. 'I.ender 0 nRBS RUllDRED 'l'llOUSABD MD ao1100
Dollars (U.S. )
plus interest Borrower has promised to pay this debt In r41gular Periodic Payments and to pay the debt in II.Ill not later
than AUOUS'l' 1, 2035.
(E) "Property" means the proper1y that is dncribed below under. the heading "Transfer of Rights in the Propar1y.
(F) "Loan" means the debt evidenced by the Nole, plus inlensl, any prepayment charges and late charges due under
the Note, anCI all .sums d1111 under 1his Security Instrument. plus lnterest.
(G) "Riders" means all Riders to d'lis Security lns.trumenl that are executed by Borrower. The lollowtng Riders ere to be
exeeuted by Bor'ro'iNer [check box as_applicable):
LJAdjustable Rate Rider LJCondominium Rid<r !'JSecond Home Rider
-=:J Balloon Rider D Planned Unii OeYelopm11nt Rider _;.JOlher(s) (spac:ify)
:::::J 1 4 Farnly Rider D Biweekly Payment Rider
:::::JV.A. Ridor
(H) Appllcabla l.aW" means all conllOling applicable federal, stale and local statutes, regulations, ordinances and
administrative rules and order& (that twlw Iha etrect ol law1 as well as all applicable 'final, .. Judicial
opinions.
(I) ''Commui'llCy Duea, fees, I'd means all dues, fees, assessments and other charges
that arv imposed on BOrrower or the Proper1y by a condominium association, homeowners association or similar
organization. .
(J) "Electronic Funds Transfer" means any transfer of funds, other than a transacli()ll originated by check, draft, or
similar paparinslrument, which is initiated through an elac:tronic terminal, telephonic instrument, cgrnputw, or magnetic:
tape so as to ardor. inslruct, or aulhorize a financial instilulio11 lo dbil or credit an accounl Such term lncl11din, but is
not limitcid to. point-of-sale transfers, automated teller mac iine transactions, transfers initialed by teleph009, wire
transfers. wid automated clearinghouse transfers.
(K) llell'la" means lhoseilems that ara ioi SacUon 3.
(l). "Mlscallanaou ProcMda" means any compensation, :1ettlemenl, award of damages, or proceeds paid by any
third party (other than insurance proceeds paid under. the coverag111 deacribad in Section 5) for; (i) w o.r
NEWolEllBIO-Sing'9Farnily-l'nnla INSTlllllllENJ Fonn:so:11111n tnit.il
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LOAlll ti 650171620
destrvction or, the Property: condemnation or other takilrg of all or any part or the Property: conveyance in lieu
of condemnation; or (iv) misrepresentations of, or omissiors as to, the value and/or condition of the Property.
(M) MMor1g1ge lnauranca" means lnsur81'1ce protecting L nder against the nonpayment of, or default on, the Loan.
(N) MPerlodlc Paymenr means the regularly scheduled amount dve tor (i) principal Md interest under the Note, plus
(iij any amounts under Section 3 of this Security Instrument
(0) MRESPA" means the Rear Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) and its implementing
regvlation, Regulation X (24 C.F.R. Part 3500), as they m ght be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA
refers to all requirements and restrictions that are lmposod n regard toa "federally related mortgage loan even If the
Loan does not qualify as a "federally related mortgage loar under RESPA.
(P) MS1.1cceseor In lntereet of Borrower" means any party that has taken title to the Property, whether or not that party
has a.ssumed Borrower's obligations under the Note and/or this Security Instrument
TRANSFER OF RIGHTS IN THE PROPERTY
This Security lnsl1Ument secures 10 Lender: (ij Ille repayment of the loan, and an renewals. extensions and modifications
of the Note: and () the of Borrower's covenanls ''nd ftgreemenls under this Security lnstnJment and the Note.
For these purposes, Bomlwerdoe$ hereby mortgage, grnntar1d convey to Lender the following described property located
In the COUllT1' ITypeolROC<lfd"llJurisdidlan) or HOJIMOUTR
(Named R..,..dinv Juriodi<:liorll:
SBB LEGAL l>ESCRJPTIOB ATTll.CHBI> BERBTO Ut> MlllB A Pit.RT HBRBOF.
which currendy has the address of u SOUTH STREET, BRIGXT,
1sir.o111c11y1
New Jilrsey 07760 ("Property Address"};
!lip CodtrJ
TOGETHERWITHelllheimpro119ments now or hereafter 11rocted on the property, and all. easements. appurtenances.
and fixtures now or hereafter a part ol lhe property; All repllicuments and additions shall also be co\lered by this Security
lnstrume01. All of the foregoing Is referred to In this Securitr tnstrument as the "Property.
BORROWER COVENANTS th.at Borrower is lawfully sois!d of the estate hereby conveyed and has the right ta grant
arid convey the Property and that the Property ls unencumbe1ed, ecept lorenc1.1mbrances ol record. Borrower warrants
and will defend generally the tide to the Property against all claims and demands, subjEtctto anyencumbrancesolrecord.
THIS SECURITY INSTRUMENT combines unilorrn lor national use and non-vnl!Oml covenantt with
limited variations by jurisdiction to constitute a uniform se<:11rity instrument covering real property.
UNIFORM COVENANTS. SotTowor and Landor covenant and agree as follOYt'S:
1. Payment of Prtnctpal, Interest. Eacrow Item a, Chargaa, Imel Lala Charg ... Borrower shall pay
when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges
due under the Note. Borrower 11hall also pay lunds for Escrm llems purguant to Section 3. Payments due under the
Note and this Security Instrument shall be made In U.S. cun ency. However, if any check or other insln.lment received
by Lender as payment under lhe Note or this Security Instrument is returned to Lander unpaid, Lender may require that
any or all subsequent pliymenlsdue under the Note and this Becurity lnswment be made in one or more of the following
forms. as selected by Lender: (al cash; (b) money order: (c) :eifified check, bank checl<, treasurer's checl! or cashier's
check, provided any such check Is drawn upon an tnstitiJtion whose deposits are Insured by a federal agency,
Instrumentality, or entity: or (d) electronic Funds Transfer.
Payments are deemed re<:eived by Lender when recelv-!d at the location designated in the Note or at suctl other
locabon as may be designated by Lender in accordance with the notice provisions in Section 15. Londllf may return any
paymont or partial payment if the payment or partial payme.its are lnsulficlent to bring the Loan current Lender may
accept any payment or partial payment insvllicient to bring Loan current. without waiver of any rights hereunder or
prejudice to Its rights to refuse such payment or partial paymmts In the future. II Lender accepts such payments, it shall
apply such payments at the time such payments are accepted. No offset or claim which Borrower might have r1ow or
in the future against Lender shall relieve Borrower from making payments due under the Note and this Sacuriry
Instrument or performing lhe covenants and agreements Sf-cured by this Security Instrument
2. Appllcellon of Pllyrnantaor Procaada. Except as otherwise described in this Section 2. all payments
and appked by Lender shall be applied <n the following ordctr ol priority: (a) interest due under Iha Note; (b) principal
due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment In the
order in whicll it became due. Any remaining amounts shall bt1 applied firstto late charges. second to any other amounts
due under this Security Instrument. and thon to reduce tho principal balance of the N<;>te,
If Lender receives a payment from Borrower for a delinq11ant Periodic Payment which includes a sufllc:lent amount
to pay any late charge due, Iha payment may be applied to Iha delinquent payment and tho late charge. If more than
one Periodic Payment is outstanding, Lander may apply ony payment received from BolTower to the repayment ol the
Periodic Payments ii, and to the extent that. each payment cm be paid in full. To Ille exten.l that any excess exists after
the payment is applied to the fl.Ill payment ol one or more PE tiodic Payments, such excess may be applied to any late
charge5 due. Voluntary prepaymentnhall be applied first to any prepaymentc;:hargci9 and then as de11cribed in the Note.
Any application ol payments, insurance proceeds, or Miscellaneous Proceeds to principal und11r the Not.shall
not extend or postpone the due date, or change the amount, of the Periodic Payments.
NEW J!:.RSEV-S.ngi.famoly4'anl.le MactJFraddlaMlc UNIFORM INSfRUMEHT Form:ioctl t/01 Initiala 1 ClfY".
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FIRST Ai\,:iRICAN TITLE INSURANCE\.;OMPANY
TITLE INSURANCE COMMITMENT
File Number: MT 16161
SCHEDULE C
(DESCRIPTION)
All that certain Lot, piece or parcel of land, with the buildings and improvements thereon erected,
situate, lying and being in the Borough of Sea Bright, County of Monmouth State of New Jersey:
BEGINNING at a drill hole in concrete in the southerly sideline of South Street (25' ROW) said point
being distant 286.25 feet westerly along the same, from its intersection with the westerly sideline of
Ocean Avenue; thence running,
(!)South 7 degrees 55 minutes 00 seconds West, 45.00 feet to a point; thence,
(2) North 82 degrees 05 minutes 00 seconds West, 25.00 feet to a point; thence,
(3) North 7 degrees 55 minutes 00 seconds East, 45.00 feet to a drill hole in concrete in the southerly
sideline of South Street; thence,
(4) Along the same, South 82 degrees 05 minutes 00 seconds East, 25.00 feet to the point and place of
BEGTNNrNG.
NOTE: (For Informational Purposes Only) Being Lot(s) 15, Block 14, Tax Map of the Borough of
Sea Bright, County of Monmouth, and State of New Jersey.
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, LOAJI f1 6S0171620
3. Funda for Escrow llama. Borrower shall pay to Ler1der on the day Periodic Payments are due under the Note,
until the Note is paid in full, a sum {tile "Funds1 to provide Im payment cf amounts due for: (a) taxes and assessments
and olhar items which can ettain priority over this Security Instrument as a lien or encumbrance on the Property: (b)
leasehold payments or ground rents on the Property, if wiy: (c) premiums for any and all insurance required by Lender
under Section 5: and (d) Mortgage lmiurance premiums, if any, or any sums payable by Borrower to Lender in lieu of
the payment of Mortgage Insurance premiums In accordan:e with the provisions of Section io. These items are called
"Escrow Items. At origination or at anytime during the term tf the Loan, Lender may require that Community Association
Dues, Fees, and Assessments, if any, be esc:rowed by BOlrower, and such dues, rees and assessments shaU be an
Escrow hem. Borrower shaH promptly tumlsh to Lender all notices of amounts to be paid under thiu Section. Borrower
shall pay Lender the Funds fO< Escrow Items unless Lende: waives Borrower's obligation to pay the Funds for any or
all Escrow lie ms. Lendermaywaive Borrower's to pay to Lender Funds for anyot all Escrow Items at any time.
Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and whore payablo,
the amounts due for any Escrow Items for which payment of Funds has bQ&n waived by Lander and. If Land11r requires,
shall tumish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's
obligation to malce such paymanlS and to provide raceiptn shall for ell purposes be deemed to be a covvnant and
agreement contained In this Security Instrument, as the pt\rase covenant and agreemeflt" is used in Section 9. It
Borrower is obligated to pay Escrow Items directly, pursuar,t to a waiver, and Borrow8'fails to pay the amount due for
an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be
obligated under Section 9 to repay to Lander any such amcunt. Lander may revoke the waiWr as to any or all Escrow
Items at any time by a notice given In accordance with So<:tlon 1 s and, upon such revocation, Borrower shall pay to
Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may. at any time, collect and hold Funds in en amount (a) sufficient to permit Lender to apply the Funds at
the time specified under RESPA, and (b) not to exceed them uimum amount a lender can require under RESPA. Lender
shall estimate the amount of Funds due on the basis of currEnt data and reasonable estimates of expenditur8' of future
Escrow Items or otherwise in accordance with Applicable law.
The Funds shall be held in an institution whose depos.itn are insured by a federal agency. inslnJmentality, or
Oncluding Lender, if Lender is an institution whose deposits are so Insured) or in any Federal Home Loan Bank. Lander
shall apply the Funds to pay the Escrow Items no later than the tim1;1 specified under RESPA. Lender shall not charge
Borrower for holding and applying the Funds, annually anetyzing the escrow account, verifying tha Escrow Items,
unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless
an agreement is made in writing or Applicable Law requires inlarest to be paid on the Funds, Landers hall not be required
to pay Borrower any interest or earnings on the Funds. Borrcwer and Lander c:an agree In writing, however, that inter8$t
shall be paid on the Funds. Lander shall give to Borrower, without charge, an annual eccounling of the Fundses required
byRESPA. :
If there Is a surplu' ol Funds held in escrow, as da1ined under RESPA. Lender shaU account to Borrowar1or the excess
fl.lncb in aCCQrdanca with RES PA. If there is uh0!1aga of Fund; held in 8$crow, as defined under RES PA, Lender shal notify
Bomlwer as required by RESPA. and Borrower shall pay to Lender the amount necessary to make up the sJiortage in
acCOldancawi1h RESPA, but in nomorelllan 12 monlhlypaymonts. lflh8!91sadellelerlcyoffvnds held in escrow, as defined
under RESPA. Lender shaU notify Bofl'ower as required by and Borrow shaQ pay to U>nder the amount nec:eswy
to make up the deficiency in acc:ordanc:ewith RESPA, but in io more than 12 monthly payments.
Upon payment in full o1 all sums secured by this Securil) Instrument, Lender shaD promptly refund to Borrower any
Funds held by Lander.
4. Chargee; Uena. Borrower shllll pay all taxes, assessments, charg8', fin8', and impositions attributable to the
Property which can attain priority over thi11 Security lnstrum ant, leasehold payments or ground rents on the Property,
if eny, and Community Association Dues, Ftles, andAssessments, lfany. Totheextentthattheseitems are Escrow Items,
Borrower shaD pay them in the manner provided in Section 3.
Bcrrower shall promptly discharge any lion which has 1>riority over this Sec:urity Instrument unless Borrower: (a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptablD to Lander, but only so long
as Borrower iu performing such agreement: (b) contests the lien in good faith by, or defends against 11n1orcement of the
lien in, legal proceedings which in Lender's opinion ope,ate to prevent the enforcement of the lien while tho1e
proceedings are pending, but only until such proceedings are concluded; or (c) securn 1rom the holder of the lien an
agreement satisfactory to Lender subordinating the lien IO this Security lnsl1umenl If Lender determines that any part
of the Property Is subject to a fien which can attain priority c>Ver this Security Instrument, Lender may give Borrower a
notice Identifying the lien. Within 1 o days of the date on which that notice Is given, Borrower shall satisfy Iha lien or take
one or more of the actions set fOfth above in this Section 4.
Lende1 may require Borrower to pay a ontime charge f<or a real estate tax variftcation and/orraportlng servlc11 used
by Lander In connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now eXisting or hereafter erected on the Property
im;ured against loss by fire, hazarM Included within the tenn "extended coverage, and any othor hazards including,
but not limited to, earthquakes and floods, 1orwhich Lendor requires insurance. This Insurance shall be maintained In
the amounts Qncluding deductible levels) and for the periocs that Lender requires. Whet Lender requires pun;uent to
Iha preceding sentences can change during the term of the Loan. The insurance carrier ptoviding the Insurance shall
be chosen by Borrower subject to Lander's right to disapprove Borrower's choice, which right shall not be exercised
unreasonably. Lender may require Borrower to pay, In conr10ction with this Loan, either: (a) a ona-tim charge for flood
zone dat11rmination. certification and tracking services; or (b) a ontime charge f0< llood zone determination and
certification services and subsequent charges each time remappings or similar changes occur which reasonably might
affect such determination or certlllcatlon. Borrower shaU als :> be responsible f0< the payment of any fees imposed by
the Federal Emer9ency Management Agem;y in connection with the review of any flood zone datermlnation resulting
from an objection by Borrower.
H Borrower fails to maintain any of the coverag11S des<:ribed above, Lender may obtain insurance coverage, at
Lender's option and Borrower's expanse. Lander Is under no obligation to purchase any particular type or amount of
covaraga. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in
tho Property, or the contents of the Property, against any risk. hazard or liability and might provide grealar or lesser
coverage than was previously in affect. Borrower acknowlaJg" that the cost ot the insurance coverage so obtained
mi11ht significantly exceed the cost of insurance that Borrow<r could have obtained. Any amounts disbursed by Lender
under this Sections shall become additional debt of Bcrrowe; secured by this Security lnstrumenL These amounts shall
bear interest at the Note rate 1rom the date of disbursement nd shall be payable. with such interHI, upon notice from
Lander to Borrower requesting payment.
New JfRSEY-&nQ Fartlily..f'annle M..,,._le - UNIFORM
C> 1-.2004 Onno 00cumon1'1, Inc. Page 3 or 8
Form 31X11 1 IOI

07-15-2005- 81lD
Station Id :XEil
MONMOUTH,NJ
Document: MTG 8484.4845
Page 4 of 9 Printed on 11/10/2010 4:40:30 PM
Branch :FOL.User :NJFO Order: 206644FfS Title Officer: Comment:
. LOAll ., 650171620
All Insurance policies required by Lander and renowal!I ol such polcles shall be subject to Lender's right to
disapprove such policies, shal inc:lude a standard mDllgai;a clause, and shall name Lender as mortgagee and/or as
an additional Ion payee. l.8ndar shall have the right to hol:f the policies and renewal eertillcates. n Lender requires,
Borrower shall promplly give to Lender all reeeiptll of paid p1 emiums and renewal notices. H BomJWer obtains any form
of Insurance coverage, not olhelWise required by Lender, for damage to, or destruction of. the Property, such policy shall
include a standard mortgage clause and shall name Lendr-r as mortgagee tndlor as an additional loss payee.
In the event of loss, Borrowvr shall give prompt notice la the insuranee carrillf and Lender. Lender may make proof
of loss If not made promptly by Borrower. Unlels Lender and BomMer otherwise agree In writing, any Insurance
proceeds, whether or not the underlying Insurance was req:Nred by Lander, shall be applied to restoration or repair at
the Property, Htherestoralion or repalrlseconomlcallyfeasibleand Lender'asecurity is not lessened. During such repair
and restoration period, Lender shaM have the right to hold su:h insuranc:e proeeeds until LenderhM had an opponunity
to Inspect such Property to ensure the work has been complJted to Lender's satisfaction, provided that such Inspection
shall be undenaken promptly. Landw may disburse proceeds for the repairs and 1'41$tonllion in a single payment or In
a nries of progress payments as the work Is complated. llnless an agraement is made in writing or Applicable Law
requil'ft interest to be paJd on suc:lt insurance proceeds, Ltnder shal not be required to pay Botroww any intereat or
earnings on such proceeds. Fees for public adjusters, or 0U1er third p1111i1111, retained by Borrower shall not be paid out
of the insurance proceeds and shall be the sole obrigation of Borrower. If the restoration or repair is not eeonomically
feasible or Lender's seeurily would be lessened, the insurance proceeds shall be applied to the sums secured by lhis
Security Instrument, whether or nOl then due, wilh the exce!s, it any, paid to Borrower. Sucll lnsur111ce proceeds shall
be apptied In the order prevlded for In Section 2.
If Borrower abandons the Property, Lender may fil, negotiate and settle any awllble insuranc:e elalm and related
matters. II Borrower don not rnpond within 30 days to a n:ltic;e from Lander that the lnsuranee earner has offered to
sellle a claim, then Lender may negotiate and ffllle the cla m, The :SO.day period wil begin when the n01ice Is given.
In either 9Ytlnt, or if Lender aoquires the Property under Se,tion 22 or oth-iM, Borrower hereby assigns to Lender
(a) Borrower's rights to My insurance proceeds in an amount not to exceed the amount& unpaid under the Note or this
Security Instrument. and (b) any other of Borrower's rights (other than Iha right to any refund or unearned premiums
paid by Borrower) under all Insurance policies covering 1he Property, insofal as sueh rights are applicable to the
covel1lg8 of the Property. Lender may UH the lnsuranee proc:eeds either to refHlir or r1111tore the Property or to pay
amounts unpaid undw lhe Note or thl9 Security Instrument, wheth81' or not 1hen due.
I. Occupancy. Borrower shall occupy, establish, and use the Property aa Borrower's prinelpal residenc:e within
60 days alter the execution of this Security Instrument and shall continue to occupy 1ha Property as Borrower's principal
residence for at least one year after the date ol oceupaney, unless Lender Otherwise agrees In which consent
shllll not be unn111sonably withheld, or unless xtenualing circumstances exist which are beyond Borrower"s eontrol.
7. Pr-rvUon, Maintenance and Prolectlon of the Propeny; lnepectloM. Borrower shal not deslrDy,
damage or Impair the Property, slow the Property to doteriorate ot commit waste on the Property. Whether or not
Borrower is residing In the Property, Borrower shall mai"taln the Property in order to prevent the Property from
deteriorating or daereasing in value due to its .condition. U111fta II ls determined pursuan! to Seetion 5 that repair or
restoralian is not eGonomically feasible, Bo1TOW81 shall promptly repair Iha Property if damaged to avoid
deteriolation or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking
of, the Property, Borrower shall be responsible lor repairing Of restoring the Property on!y If Lander has released
proceeds for sueh purposes. Lender may disburse proceee s for the repairs and rntoration in a sing la payment or in
a series of progress payments as the work Is completed. If the Insurance or condemnation proceeds are not sutlicient
to repair or restore Iha Property, Borrower Is not relle\led of BortOW'B obligation for the completion of such repair Of
res1oration.
Lender or its agent may make reasonable entries upon end Inspections of the Property. If II has reasonable cause,
Lender may inspect the lnlelior ol the improvem91'11s on the Property. Lender shall give Borrower notice at the time of
or prior to sueh an interior inspection specifying such reasonable eause,
8. Borrower' Loan AppllcatJon. Borrower shllll bo in dolllult ii, during the Loan application proceS1, Borrower
ot any persons or entities acting at Iha direction of Borrower or with Borrower's knowledge or consent gave maSa_rialy
false,misleading.orinaccuratvin1ormationorstatement&tol!nder(orfaJledtoprovidaLenderwtthmaterialinformation)
tn connection with the Loan. Material representation inel Jde, but are not limited to, representations concerning
Borrower's occupancy of the Property as llomJwer's residence.
9. Protection ot Landet'e tnww In the Property an :I Rlghta Under lhla Security lnetrument. If (a) Borrower
fails to perform the covenants and contained In t11ls Securtzy Instrument, (b) there iS a legal proceeding lhal
might slgnillc:antly aneet Lander's 1nter11111 In the Property 1nd/ot righlll under this Seeurity Instrument (such as a
proceeding In bankruptcy, probatv, for condemnation or forleiture, for anfolc:ament al a lien which may attain priority
over this Security Instrument or to enlorce lawa or regulations), or (c) Borrower hanbancloned the Property, lhen Lander
may do and pay tor whatever ii reasonable ot appropriate to protect Lender's interest in the Property and rights under
this Security Instrument. ineludlng protecting and/or assessing the value of the Property, and securing nd/or repairing
1he Property. Lender's actions can Include, but are noUmited lo: (a) paying any sums secured by a Hen which hai; priority
over this Security Instrument; (bl appearing in court; and (e) paying reasonable attorneys' fees to protect its interest in
Iha Property and/or rights under this Security ln11n1men1, including Its secured position in a bankruptcy proceeding.
Seeuring 1he f'rop8lty lncludea, bUl II not limitad IO, enlerin ii the Property lo make repairs, ehange locks, replace or
board up doors and windows, drain water from pipes, el minate bulding or other code \4otations or dangerous
conditions. and have utilities turned on or off. Although lender may take aetion under this Section 9, Lender does not
have to do so and ls not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not raking
any or all actions aUthortzed under this Seclion 9.
Any amounts disburnd by Lender under lhil Section 9 uhall become additional debt of Borrower secured by this
Security Instrument. These amounts shall bear interest at the Nole rate from the data of disbursement and shall be
payable, with such interest, upon notiee from Lander to Borower requesting payment.
II this Security Instrument is on a leasehold, Borrowarsha I comply with el the provisions of the lease. Borrower shall
not surrender the leasehold ftlate and intorests h-in conve)oed or terminate or Cllnc;el thegrownd lea99. Borrowarshall
not. without the express written consent of Lender, alter or an1and Iha ground lease. II Borrower acquires lee tltle to the
Property, the lvasehold and the fee title shall not merge unluss Lender egr- to Iha merger in writing.
1 O. Mor1gage lneurance. If lender required Mortgage Insurance as a condition or making the Loan, Borrower sh all
pay the premiums required lo maintain the Mortgage Insure nee in effect. II, for any reason, the Mortgage Insurance
coverage required by Lender eea5" to be available from the mortgage insurer that previo11sty provided sueh insurance
and Borrower was required to make separately designated payments toward the premiums for Mortgage lnsu nee.
NEW .. Ml"'1'- MIC Ullll'ORM INSTRIJMEHT , __ t t/OI lnit.iala1
o 1111200& oi.one DDcu...,.., ,,,.._ Page 4 of 8
Station Id :XEil
MONMOUTH,NJ
Document: MTG 8484.4845
Page 5 of9 Printed on 11/10/2010 4:40:30 PM
Branch :FOL,User :NJFO Order: 206644FTS Title Officer: Comment:
t.Ol\11 ' 650171620
Borrower shall pay the premiums required ta obtain coverage sub'stantially equivalent 10 the Mortgage Insurance
previously In effect. at a cost sub$tanlially equivalent to the cctt to Borrower of the Mortgage Insurance pl'Cllliously in
etfect, from an attemate mortgage Insurer selected by Lendf:r. II substanlially equivalent Mortgage Insurance COYeraga
is not available. Borrower shall continue to pay to Lender thcr amount of Iha separately designated payments that were
due when the Insurance coverage ceased to be in eftect Lender will accept, use and retain these payments as a non-
ref\Jndable loss resetVe in lieu of Mortgage Insurance. Such loss reserve shall be nan-ref\Jndable, notwithstanding thv
fact that Ille Loan is ultimately paid rn IUll. and Lender shall not be required to pay Borrower any interest or eamings on
such loss reserve. Lender can no longer require loss resM paymnts if Mortgage Insurance coverag (in Iha amount
and rorthe pef1od that Lender requires) provided by an insuruselected by Lender again becomes available, is obtained,
and lender requires separately designated payments towar :t the premiums ror Mortgage Insurance. If Lerider required
Mortgag insuranc as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage lnsurancv, Borrower shall pay Iha premiums required to maintain
Mortgage Insurance in 9ff9ct, or to provide a non-raf\Jndal>la loss resarw, until Lender's requirement tor Mortgage
Insurance ends in accordance with any written agreement bNween Borrower and Lender prolliding for such termination
or until termination is required by Applicable Law. Nothing in !his Seclion 1 Oaffects Borrow.r's obligalion to pay inter&St
al the rat provided in the Nol.
Mortgage lnsuranc reimburs.s Lender (Of any entity '.hat purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is not a party to the MDrlgaga Insurance.
Mortgage Insurers evaluate their total risk on all such insurance in forc;e from time to time, and may antar into
agreements with other pal1ies that share or modify thlr ris <, or reduce losses. These agreements are on terms and
conditions that are satisfactory to Iha mortgagv insur.r and the other party (or pal1ies) to these agreements. These
agreements may require th mortgage in11Urer to make puyr.1ents uaing any source of f\Jnds that the mortgage insurer
may have availabl (which may lnclud f\J11ds obtained fror.i Mortgage lnsurance premiums),
Ae a result ofthese agreemnts, Lender, any purchasernf Iha NDte, another insurer, any reinsurar, any olher erllity,
or any affiliale o1 any of Iha foregoing, may receive (directty or indir!Jcily) amounts that deriw from (or might be
characterized as) a portion cf Borrower's payments ror Mor1gaga Insurance, in xehange1or stiaring or modifying the
mortgage insurer's rillk, or reducing losses. It such agraem11nt provides that an affiliat of Lender takes a share of the
insurer's risk in exchange for a share of the prmiums paio to the insurer, Iha arrangement is often termed "captlvv
reinsurance. Further:
(a) Any such agraemani. will not affaot tha amo1.1nta that Borrowr h .. agreed to pay for Mortgage
lnaurance, or any othw t.nna of Iha Loan. SUch agrHmlln1S wUI not lncreaM the amount Borrowt'I wlll owe for
Mortgage IMUranca, and they will not entitle Bonowar to any refund.
(b) Any such agreement. wm not affect th rlghb Borroww haa If any with reapect to 1he Mortgag
lnauranc undar the Homaownar Protection Ac1 of 1998 or ny othr lw. ThaM rlgh1a my Include the right to
recalve ceri.tn dlacloauraa, to requ9' and obt.ln cnclltlon of the Mortga9a ln111.1nmca, to hv. the Mort9119
Insurance termlnat9d automatlcally, and/or to receive a refund ol any Mortgage ln.uranoe praml11m lhat ware
unoemed at th time of auch cancalla11on or tarmlnallo11.
11. ANSgnment of Mlsoallan.oua Procffda: Forfeltu111. All Miscellaneous Proceeds are hereby SS$igned to and
shall be paid to Lt'nder.
If th Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair o1 the Property,
if the resloratiDn or repair is economically fea.sibl and security is net Jessvned. During auch rctpalr and
restoration period, Lender shall have the right to hold such Miscellan80U$ Proceeds until Lander has h111d an opportunity
to inspect such Prop.rty to ensure the worl< has been complfted to Lender's satisfactiDn, providt'd tl'lat such inspection
shall b undertaken promptly. Lender may pay 1orthe repain and rt'Storatlon in a single disbursement er in a series o1
progress payments as lhwork is compllttad. Unless an agr .. 1menlis made in writing or Applicable Law requires lntresl
to be paid on such Miscellaneous Proceeds, Lander shall nct be required to pay Borrower any interest or eamings on
such Miscvllaneous Procffds. If Iha rastoration or repair is not economically ft'asibl or Lander's St'Cllrity would be
lnsened, the MiscllBl'leous Proceeds shall b applit'd to the sums secured by this Security Instrument, whether or net
then du. with the excess, if any, paid to Borrower. Such Miscellaneous Procffds shan be applied in th ordw provided
for In Section 2.
In the event of a total taking, destruction, er loss in vaiJe of the Property, the Miscellaneous Procet'ds shall be
applied to the sums secured by lhls Security lnslnlmenl, v1hether or not then due, with th excns, if any, paid to
Borrower.
In the event of a pi'11ial taking, destruction, or loss In valueftlle Property In which the fair market value of the Property
immediately b1ore the parlial taking. destruction, or loss in value is equal to or greater than the amount 01 th sums
secured bylhls Security Instrument immt'dlately bforetha partial taking, des11'Uctlon, or loss ln valu. unless Borrower
and lend.r agree In writing, the sums s11CUrad by this Security Instrument reduced by the amount
o1 tile Miscellaneous Proceeds multiplilld by the loi!awing traction: (a) th total amount of the sums $eel/red immediately
be1ore the partial taking, destruction, or loss in value divided by (b) tne 1air market value of th Property immediately
be1ore the partial taking, destruction, or loss in valu. Any balance shall be paid to Borrower.
In the event of a partial taking, destruclion, or loss in value >f the Prop.rty in which the lair market value o1the Property
immediately batore the partlal taking, deslnlction, or loss in value Is less than the amount of Ille sums secured
Immediately belore the partial tal<ing, destruction, or loss in val11e. unless Borrower and Lender otherwise agree in
writing, IJle Miscellaneous Proceeds shall be applied to Iha i;ums secured by this Security lnslnlmnl whether or not
the sums are than due.
ltlhe Property Is abandoned by Borrower, or If, alternotice by Lend.rte Borrow.rthat lhe0pp0$i"9 Party (as dfinad
In the nxt senterice) offe1' to mak an award to aettle a clalm lor damages, Borrower tails to respond lo Lender within
30 days after the date the notice is given, Lender is authoriud to collect and apply the Miscellaneous Proceeds either
to restoration or repair o1 the Property w to Iha sums securKI by this Security lnslr\lmant, whther or not then dua.
opposing Party means th third party that owes Borrov.er MisceUanaoua Proceeds or the party against whom
Borrower has a right of action In regard to Miscellaneous Pr>CHds.
Borrowlll' shaU be In default if any action or proceeding, wtoetherc:ivil or criminal, Is begun that, in Lendr's judgmant,
could result In forfeitur o1 the Propllrty or oltlar material impdrment of Lander's interest In the Propllrty or rights under
this Security ln$trument. Borrower can cure such a default and, if acceleration has occurred, reinstate 8$ provided In
Section 19, by causing the action er proceeding to be dismissed with a ruling that. In Lender'& judgment. precludes
forf&iture o1 lhe Property or other material lmpairm11nt of L.enjar'1 lntarest in th Property or rights under this Security
lnslnlment. The proceeds of any award or claim for damages that are altributable to the Impairment of Lender's interest
in Iha Property are hereby assigned and shall be paid to Lender.
NEW JfRSEY-Single Fom1V-F11111le MM/FllCSllle - UNIFORM INSTRUMENT
Cl OnlM Doc..- Inc. Pag 5 l)f &
fltl 3031 1 IOI
D D OlD:?
07-15-2005 8110
Station Id :XEil
MONMOUTH,NJ
Document: MTG 8484.4845
Page 6 of9
Printed on 11/10/2010 4:40:30 PM
Branch :FOL,User :NJFO Order: 206644FTS Title Officer: Comment:
LOJIJll 11 650171620
All Miscellaneous Proceeds that are not appUed to restcratlon or repair ot the Property shall be applied In the order
provided for In Section 2.
12. Bon'ower Not Releued; Forbearance By Lenc:er Not a Waiver. Extension ot I/le tlme tor payment or
modification of amortization of the sums secured by this lm;trument granted by Lender to BomJwer or any
Successor In Interest o1 Borrower shall not operate to the liability o1 Borrower or any SucceQOrS in Interest of
Borrower. Lender shaJJ not be required to commence prOC('edings against any Succe:;sor in Interest of Borrower 01 to
refuse to eirtend time for payment or olherwise modify amortization of the sums secured by this Security lnslnlment by
reason of any demand made by the original Borrower or any Successors in Interest or Borrower. Any forbearance by
Lender In exercising any right or remedy Including, without limitation, Lender's acceptance or payments from third
pel'$0rls, entities or SUcceHors in Interest of Bonoweror in a:nounts less than I/le amount then due, shall not be a waiver
of or preclude lhe eKercise of any right or remody.
13. Joint and S.v.ral Uabillty; Co-lgnera; Succe->ra and AMlgna Bound. Borrower covenants and agrees
ltlat Borrowtr's obllgatlons and liability shall be joint and sweraf. HOWGver, any Borrower who co-signs ltlis Security
lnsll\Jment but does not ex41C'Jte the Note (a co-signer"):(!) is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's intervstinthe Property undarthe tvrms of this Security Instrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can
agree to extend. modify, forbear or make any accommodat oniJ with regard to the terms of this Security lnsll\lment or
the Note without lhe co-signer's con59nl.
Subject to the provisions of Section 1 e, any Successor in Interest of BorrOWGr who assumes Borrower's obligations
under this Security Instrument In writing, and Is approved by Lender, shall obtain allot Borrower's rights and beneftts
11nder this Security Instrument. Borrower shall not be released from Borrower's obligations and Hability under this
Security Instrument unless Lender agrees to suc:ti release in writing. The covenants and agrevmenls of this Se<:urity
Instrument sMlll bind (eKcept as provided in SecUon 20) and benefit the successors and assigns of Lander.
14. Loan Chargaa. Lender may charge Borrower fees for services performed in connecijonwilh Borrower's default,
for the purpose of protecting Lender's interest in Iha Propery and rights under this Security Instrument, Including. but
notlimited to, attorneys' fees. property inspection and valuation fees. tn regard to any other lees, the absence of eicpress
authority in this Security Instrument to charge a specific fee to Borrower shall not be construed u a prohibition on the
charging of such fee. Lender may not charge fees that are eicprassly prohibited by this Security Instrument or by
Applicable Law.
If the Loan is subject toa law which seb maximum loan charges. and thatlaw Is finally interpreted so that the interest
or other loan charges collected or to be collected In connect on with the loan eKCQed the permitted limits, then: (a) any
such loan charge shall be reduced by the emounl necessary ta redui;e the charge to the permitted limit; and (b) any
sums already collected from Borrowerwhich exceeded permitted Umits will baretunded to Borrower. Lendermmy chOOff
to make this refund by reducing the principal OWGd under the Nata or by making a direct paymentto Borrower. If a refl.And
reduces princlpal, ltle reduction wilt be treated as a partial pr-!payment without any prepaymenl charge (whether or not
a prepayment charge is provided for under the Note). Bo1TOW11r's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver or any right of a :lion Borrower might have arising out or such overcharge.
15. Notice .. All notices given by Borrower or Lender in connection wiltl this Security Instrument must be in writing.
Any notice ta Borrowerinconnectlon with this be deemed to have been giventoBorrowerwhen
mailed by first class mail or when actually delivered to BorrO'iver's notice address if sent by other means. Notice to any
one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice
address shall be the Property Address unless Borrower has cesignated a substitute notice address by notice to Lender.
Borrower shall prampUy notify Lender of Borrower's chang( of address. If Lender specifies a procedure for reporting
Borrower's change of address, then Borrower shall only repmt a change of address through that specified procedure.
There mey be only one designated notice address under this Security Instrument at any one lime. Any notice to Lender
shall be given by delivering it or by mailing it by lil'$I class mail to Lender's address stated herein unla$s Lender has
designated another address by notice to Borrower. Any in connection with lhis Security Instrument shall not be
deemed to have been given to Lander until actually receiYad ty I.ender. If any notice required by this Security Instrument
is also required under Applicable Law, Iha Applicable Law ree uirementwiQ satisfy the corresponding requirement under
this Security Instrument.
16. Governing Law; Saffrabillty; Rulea of Conatrucll :m. This SeQurity Instrument shall be gOYVmed by federal
law and the law of Iha juri5diclion in which the Property is lo:ated. Alt rights and obligations contained in this Security
Instrument are subject to any requirements and limitatlona of 1\ppticabte Law. Applicable Lawmightexplicitly or implicitly
allow the parties to agree by contract or ii might besilent, buts uch silence shall not be construed as a prohibition against
agroement by contract. In the event ltlat any provision or cli1use of this Security Instrument or the Note confticb with
Applicable Law. such conflict shall not alfecl other provisions or this Securtty lnsll\Jment orthe Note which can be given
enact without the conflicting provision.
As used in this Security Instrument: (a) words or the masc1.1line gender shall mean and include COl'TOSponding neuter
words or words ol the feminine gender: (b) words in the 1ingJlar shall m11an and include the plural and vice versa: and
(c) the word "may" gives sole discretion without any obligat on to take any action.
17. Borrowal"e Copy. Borrower shall be given one copy of lhe Note and of this Security Instrument
1 e. Tranafw of 1he Property or a Banaflclal lntareet Jn Borrower. As used In l/lls Section t 8, "Interest in the
Property" means any legal or beneficial interest in the Prope1ty, Including, but not limited to, those beneficial interests
transferred in a bond !or deed, contract for deed, inslallmen: sales contract or escrow agreement. the Intent of which
is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in Iha Pro;>erty is sold or transferred (or if Borrower is not a natural
person and a beneficial interest in Borrower is sold or translf rrad) without Lender's prior written consent. Lender may
require immediate payment In lull of all sums secured by th:S Security Instrument. However, this option shall not be
exercised by lender if such is prohibited by Applicable Law.
If lender exercises this option, Lender shall give Borrowu notice of ai;celeratlon. The notice shall provide a period
of not less than 30 days from the date the notice is given in ao:ordance with Section 15 within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fail 1 to pay these sums prior to the expiration of this period,
Lendar may invoke any remedies permitted by this Security t.istrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate Attar AcceleraUon. 11 Borrower meets certain conditions. Borrower shall hav&
the right to have enforcement of this Security Instrument disc:onlinued at any time prior to the earliest of: (a) live days
belore sale of the Property pursuant to any power of sale contained in this Security Instrument; (bl such other period
as Applicable Law mfg ht specify for the termination of Borrowtr's right to reinstate; or (c) entry of a judgment enforcing
this Security lns1rUment. Those c;onditions are that Borrower: (a) pays Lender all sums which then would be due under
NEW Jl:RSEY-sin;ll FoMV-f'nltt Nl .. IF.-.ldltt .... UNlfORr.l INSmllMENT 1/01 Xni tiala 1
1999-2004 Onl.,. Docu- Inc. Page 6 ;if 8
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LO.JIB 650171620
this Security Instrument and the Note as it no acceleration occurred; (b) cures any default of any other covenants
or agreements; (c) pays all expenses incurred in enforcing this Securify lns!n.iment including, but not limited to,
reasonable attorneys' fees, proper1y inspection and valuation fees, and other fees incurred for the purpose of prgtecting
Lender's interest in lhe Property and rights under this Security Instrument; and (dl lakes such action as Lender may
reasonably require to assure that Lender's interest in Ille Property and rights under this Security Instrument, and
Borrower's obligation to pay the sums secured by this Se<:urity Instrument, shall continue unchanged. Lender may
require that Borrower pay such reinstatement sums and expenses in one or more of Ille following forms, as seleeted
by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, proVlded
any such check is drawn upon an Institution whose depQSit> are insured by a federal agency, Instrumentality or entity:
or (d) Electronic Funds Transfer. Upon reinstatement by a.mower, this Security Instrument and obligations secured
hereby shall remain fully effective ""' if no acceleratio11 had cx:curred. HoweV91', this right lo reinstate shall not apply in
the case ol ac:<:eleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Nodce oT Grievance. The Note or a partial interest in the Note
(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might
result in a change in the entity (known as lhe "Loan Servicer") lhal collects Periodic Payments due under the Note and
lhis Security Instrument and performs other mortgage llan servicing obligations undBf Iha Note, lhis Security
Instrument. and Applicable Law. There also might be ono o more changes of the loan Serv!c8f unrelated to a sale of
Iha Nole. If there is a change of the Loan Sanncer. Borrower will be given wrinen notice of the cha11ga which will state
Iha name and addrets of Iha new Loan Servicer, lhe address to whicn payments should be made and any other
Information RES PA requires In connecllon wllh a notice of transfer of servicing. If Iha Note Is sold and thereal!ertha Loan
is serviced by a Loan Servicer olh8f than Iha purchaser al tilt Note, the mortgage loan servicing obligations to Boll'OWar
will remain with the Loan Servicer or be transferred to a successor Loan Servicer and illll nol aHumed by the Note
purchaser unless otherwise provided by lhe Note purchns,:r.
Neither Borrower nor Lander may commence, join, orb< joined lo any judicial action (as either an Individual litigant
or the member of a class) lhal arises from the other p11rty's uctions pursu11nt to this Security Instrument or that alleges
that the other party has breached any provision of, or any dJty owed by reason of, this Security Instrument, until such
Borrower or Lender has nollfllld the olher party (with such Mlice given in compliance with Iha requirements of Section
tS) of such alleged breach and altorded the other party hereto a reasonable period after the giving of such notice to
take corrective action. If Applicable Law provides a time period which must alapte before cerlain action can be taken,
that time period will be deemed to be reasonable for purposes ol this paragraph. The nolice of acceleration and
opportunity to cure given to Borrowerpursuantto Section and the notice of acceleration given lo Borrower pursuant
to Section 18 shall be deemed to satisfy the notice and opp )rtunity to take corrective action provisions of this Section
20.
21. Ha21rdou Subtancea. As used in this Section 21: (al "Hazardous Subslances are those substancn defined
as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the loll owing substances: gasoline,
kerosene, other ftammable or to>dc petroloum products. to1'ic pesticides and herbicide&, volatile solvents. materials
contalnlng asbestos ortorrnaldehyde. and radioactive mate1ials: (b) "Environmental Law" means federal laws and laws
of the jurisdiction where Iha Property is located that mlate to health, safety or environmental protection: jc)
"EnVlronmentaJ Cleanup" includes any r!1$pgnse action. action. or removal action. a defined In Environmental
Law; and (d) an "EnVlronmental Condition" means a condi'ion that can c8\lse, contribule to, or otherwise trigger an
Environmental Cleanup.
E!orrower shall not cause or pennil the presence, use, disposal, storage, or releQe of any Hazardous Substances,
or threaten to release any Hazardous Substances, on or In the Property. Borrower shall not do, nor alloW anyone else
to do, anything affecting Iha Property (a) that Is In violation al any EnVironmentaJ Law, (b) which cr98tes an Environmental
Condition, or (c) which, due to the presence, use, or reJe.1se of a Hazardoos Substanctt. creates a condition lhat
adversely altects th value of the Property. The preceding tw<sentences shall not apply to the presence, use. or 11torage
on the Property of small quantities of Hazardous Subslancr.:. lhal are generally recognized to be appropriate to normal
uses and to maintenance ol lhe Property (i11cludi ig, but not limited to, hazardous substances in consumer
products).
Sorrower shall promptly give Lender written notice of (a) any inwsligation, claim, demand, lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Haurdous Substance or
Environmental Law of which Borrower has actual knowledge (b) any Environmental Condition, including but not limited
to, any spilling, leaking, discharge, release or threat of rekase of any Hazardous Substance, and (c) any condition
caused by Iha presence, use or release of a Hazardous Substance wnlcn adversely affects the value or the Property.
II Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or
other remediation of any Hazardous Substance aftectlng the Property is necessary, Sorrower shall promptly take all
necessary remedial actions In accordance with Environmenlul Law. Nothing herein snall create any obligation on Lender
for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender lu '!her covonant and agree as foHows:
22. Acceleration; Remedies. L.nder aha II give notice to Borrower prior to acceleration foll owing BorrowOf'a
bruch of any covenant or agraement In lhla Security lnalrumenl (but not prior to acceleration undar Section 18
unleaa Apptlcabla Law provides otherwlH). The notice 11hell apeclfy: (a) the default; (b) the acdon l'llqufred to
curethedafault;(c)adate,notleasthan30dayefromlhedatethenotlcelaglventoBorrower,bywhlchthadafault
must be cured; (d) that failure to cure the default on Of before the date apeclfted In the notke may result 111
accaleratlon of the au ma aecured by this Security lnatrunoent, foreclosure by judlclel proceeding and aale of the
Property; () Iha Borrower's right to reinstate altar accaleratlon and th right to aaaart In th foreclosure
proceeding the norHt1tllllencaof a default or any other defenM of Borrower to acceleradon and forecloaure: and
(f) any other dlacloaure required under Iha Fair Foreclosure Act, codified at ff 2A:50-53 at eaq. of the New Jersey
St.tu lea, or olher Applicable Law. II the default la not cund on or before the date apeclfled In the notlca, Lender
at Ila opdon may require lmm9dlate payment In full of all ums Mc:ured by this Security lntrumentwlthout further
demand and mayforecloH this Security lnatrument by judlclal proceeding. Landanhall be entitled to collect all
expenses Incurred In pursuing Iha remedlae provided In lhla Section 22, Including, but not limited to, attorneys'
lffa and coats al tltla avldanca permitted by Rulae of C>urt.
23. ReleaM. Upon paymenl of all sums secured by It.is Security Instrument. Lender shall cancel this Security
Instrument. Borrower shall pay any recordation costs. Lencer may charge Borrower a lee !or releasing this Security
Instrument, but only if the lee is paid to a third party for servic!s rendered and the charging ol the fee is permitted under
Applicable Law.
NEWJERl!eY-6ingloFanW)'-FnleMH/FfecldleMN UNIFORM INSTRUMENT FGml 31X111/0I Initial
1--2004 OnO" Doeurnento. Inc. Page 7 of 8 D 040'Z
e110
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, , LCIAll I I 650171620
24. Na Claim at Credit tor Tana. Borrowerwill not ma!<e deduction from or claim credit on the principal or Interest
secured by this Security Instrument by reason of any governmental taxes, assessments or charges. Borrower will not
claim any deduction from the taxable Vlllue ol the Property by reason of !his Security Instrument
8Y SIGNING l:JELOW, Borrower accepts and agrees to lhe terms and covenants contained in lhla Security
lns111.1mant and in any Rider ax.cute<! by aorrower and recorded with ii.

(Saal)
c
NEW Fam11V-Fonn .. M"*rlCIOle M.o UNlfORM INSTRUMENT l'Olm :MIS, ,/D'I
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EXHIBIT C
Branch :WOR,User :AJAC Order: 4308463 Title Officer: Comment: Station Id :LBD4
Inst. * 2010121148 - Page 1 of 8
Monmouth County Document Summary Sheet
Tramaction Identification Number
1456968 616345
MONMOUTH COUNTY CLERK
Return Address (for recorded documents)
POBOX 1251
FIRST AMERICAN NDTS
MARKET YARD
3 FIRST AMERICAN WAY
FREEHOLD NJ 07728
SANTA ANA, CA92707
Official Use Only Submission Date (mm/ddlyyyy)
12/1412010
No. of Pages (excluding Summary Sheet)
6
Recording Fee (excluding transfer tax)
$90.00
M CLAIRE l!'RICNCH,CTY CLK Realty Transfer Tax
$0.00
lllOllMDUTH COUNTY',HJ
I Total Amount
$90.00
IHSTl\UMl!:NT Hl;IMBEl\
Document Type
I MORTGAGE MODIFICATION
2010121148
RECORDED OH
Dec 15, 2010
11:56:06 AM
Electronic Reeordation Level
SOOK:oa-8867 PAGE:8513
Total Pages: 8
L2 - Level 2 (With Images)
COUNTY' RICCOl\DING FB:ICS $90.00
Municipal Codes
TOTAL PAID e9o.oo
SEABRIGHT 4201
BarCode(s)
Ill rn I
96 12 6 7
Additional Information (Official Ose Only)
*DO NOT REMOVE THIS PAGE.
COVER SHEET [DOCUMENT SlIMMARY FORM] JS PART OF MONMOUTH C.OUNTY FILJNG RECORD.
RETA.IN THIS PAGE FOR FUTURE REFERENCE.
5BBI E12F-EDED-B072-l !FAF7CID233 JDB6/l 456968 616345
Page 1 of2
MONMOUTH,NJ
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Inst. # 2010121148 - Page 2 of 8
Monmouth County Document Summary Sheet
Type
MORl'GAGE MODIFlCATION
Consideration
Submitted By SIMPLIFILE, LLC. (Silv!PLIFILE)
Document Date
04/0112010
Ret"erence b1fo
Book ID Book Beginning Page Instrument No. Recorded/File Date
OR 8484 4845 0 12/14/2010
MORl'GAGE
MORTGAGOR
Name Address
MODIFICATION
n'LLSJAKES
MORTGAGEE
Name
Address
CITIMORTGAGE INC
Parcel Info
Property Type Tax Dist. Block Lot Qualifier Municipality
DO NOT REMOVE TmS PAGE.
COVER SHEET {DOCUMENT SUMMARY FORM] JS PART OF MONMOUTH COUNTY FILING RECORD.
RETAIN THIS PAGE FOR FUI'URE REFERENCE.
5BB1El2F-EDED-B072-11FA-F7CID2331DB6/l456968 616345 Page 2 of2
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Inst. # 2010121148 - Page 3 of B
I
en recorded mall to: #:6149311
First American Title
Loss Mitigation Title Services 1806.10
P.O. Box 27670
Santa Ana. CA 92799
RE: JAKES - MOD REC SVC
This document was prepared by: Donald Keefe
__________ _.Space Above This Line For Recording Data), ________ _
HOME AFFORDABLE MODIFICATION AGREEMENT
(Step Two of Two-Step Documentation Process)
Borrower('l"):
1
JYLL S JAKES_, SlNf;lE
Lender ('Lender''): CitiMortgage, Inc.
Date of first lien Security Instrument ('Mortgage") and Note ("Note"): 07/15/05
Loan Number. 0650171620
Progerty Address. ("Property"): 12 SOUTH STREE ... NJ 07760
R f<"O ft-'6.tf <24 P(),:t:1i1.t:' r11'111; I J ms r. # 2oos12 6 s 61
If !Tiy representatlbrts in t'conlinue to be trU'e
1
in all m teria respects, then this Home Affordable
Modification Agreement ("Agreement') will, as set forth in Section 3, amend and supplement (1) the
Mortgage on the Property, and (2) the Note secured by the Mortgage. The Mortgage and Note together,
as they may previously have been amended, are referred to as the "Loan Documents." Capitalized terms
used in this Agreement and not defined have the meaning given to them in Loan Documents.
I understand that after I sign and return two copies of this Agreement to the Lender, the Lender will send
me a signed copy of this Agreement. This Agreement will not take effect unless the preconditions set
forth in Section 2 have been satisfied.
1. My Representations. I certify, represent to Lender and agree:
A. I am experiencing a financial hardship, and as a result, (I) I am in default under the Loan
Documents, and (ii) I do not have sufficient income or access to sufficient liquid assets to
make the monthly mortgage payments now or in the near future;
B. I live in the Property as my principal residence, and the Property has not been
condemned;
C. There has been no change in the ownership of the Property since I signed the Loan
Documents;
D. I have provided documentation for all income that I receive (and I understand that I am
not required to disclose child support or alimony unless I chose to rely on such income
when requesting to qualify for the Home Affordable Modification program ("Program"));
E. Under penalty of perjury, all documents and information I have provided to Lender In
connection with this Agreement, including the documents and information regarding my
eligibility for the Program, are true and correct
F. If .l.ender. req1.1Jres .me.to .obtain.creditcounselingin. connection.with the Program,.+ wilhfo
so; and
G. I have made or will make all payments required under a Trial Period Plan or Loan
1
If there is more than one Borrower or Mortgagor executing this document, each Is referred to as 'I. For purposes of this document
words $ignifying the singular (such as"!") Shall Include the plural (such as "we") 11nd vice Vrsa where apprcipriate.
MULTI STATE HOME AFFORDABLE MOOIFICATION AGREEMENT - Single Family- Fannie Mae/Freddie Mac UNIFORM
INSTRUMENT Fonn3167 GSEwlthforbearance 3/09(P*1 of4page$)
Station Id :LBD4
MONMOUTH,NJ
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Inst. # 2010121148 - Page 4 of 8
Workout Plan.
2. Acknowledgements and Preconditions to Modification. I understand and acknowledge that:
A. TIME IS OF THE ESSENCE under this Agreement;
B. If prior to the Modification Effective Date as set forth in Section 3 the Lender determines that
my representations in Section 1 are no longer true and correct, the Loan Documents will not
be modified and this Agreement will terminate. In this event the Lender will have all of the
rights and remedies provided by the Loan Documents; and
C. I understand that the Loan Documents will not be modified unless and until (i) I receive from
the Lender a copy of this Agreement signed by the Lender, and (ii) the Modification Effective
Date (as defined in Section 3) has occurred. I further understand and agree that the Lender
will not be obligated or bound to make any modification of the Loan Documents if I fail to
meet any one of the requirements under this Agreement.
3. The Modification. If my representations in Section 1 continue to be true in all material respects
and all preconditions to the modification set forth in Section 2 have been met, the Loan
Documents will automatically become modified on April 1, 2010 (the 'Modification Effective
Date") and all unpaid late charges that remain unpaid will be waived. The Loan Documents will
be modified and the first modified payment will be due on May 1, 2010.
A The new Maturity Date will be: April 1, 2050.
B. The modified Principal balance of my Note will include all amounts and arrearages that will be
past due (excluding unpaid late charges) less any amounts paid to the Lender but not
previously credited to my Loan. The new Principal balance of my Note will be $344,060.74
(the "New Principal Balance").
C. $14,100.00 of the New Principal Balance shall be deferred (the "Deferred Principal Balance")
and I will not pay interest or make monthly payments on this amount. The New Principal
Balance less the Deferred Principal Balance shall be referred to as the "Interest Bearing
Principal Balance' and this amount is $329.960.74. Interest at the rate of 2.00% will begin to
accrue on the Interest Bearing Principal Balance as of April 1, 2010 and the first new
monthly payment on the Interest Bearing Principal Balance will be due on May 1, 2010. My
payment schedule for the modified Loan is as follows:
Years Interest Interest Monthly Monthly Total Payment Number of
Rate Rate Principal Escrow Montllly Begins On Monthly
Change and Payment Payment Payments
Date Interest Amount
Payment
Amount
- ------
1-5 2.00 04/01/2010 $999.21 $550.92, $1,550.13, I 0510112010 60
adjusts adjusts
I annually annually I
after year 1 afteryear :
I 1
---
6 3.00% 04/01/2015 $1, 160.64 Adjusts Adjusts 0510112015 12
Annuallv Annually
7 4.00% 0410112016 $1,331.46 Adjusts Adjusts 05/0112016 12
Annually Annually
a 5.00%
-- .. 04101/2017
$1,509.68 Adjusts Adjusts 0510112017 396
l Annually
The above terms in this Section 3.C. shall supersede any provisions to the contrary in the
Loan Documents, including but not limited to, provisions for an adjustable or step interest
rate.
D. I will be in default if I do not comply with the terms of the Loan Documents, as modified by
this Agreement.
MUL TlSTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Single Family - Fannie Mae/Freddie Mac UNIFORM
INSTRUMENT Form 3157 GSE with forbearance 3109 (page 2 of 4 pages)
Station Id :LBD4
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Branch :WOR,User :AJAC
Order: 4308463 Title Officer: Conunent:
I
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Inst. # 2010121148 - Page 5 of 8
E. If a default rate of interest is perniitted under the Loan Documents, then in the event of
default under the Loan Documents, as amended, the interest that will be due will be the rate
set forth in Section 3.C.
F. I agree to pay in full the Deferred Principal Balance and any other amounts still owed under
the Loan Documents by the earliest of: (i) the date I sell or transfer an interest in the
Property, (ii) the date I pay the entire Interest Bearing Principal Balance, or (iii) the new
Maturity Date.
G. If I make a partial prepayment of Principal, the Lender may apply that partial prepayment first
to any Deferred Principal Balance before applying such partial prepayment to other amounts
due.
4. Additional Agreements. I agree to the following:
A. That all persons who signed the Loan Documents or their authorized representative(s) have
signed this Agreement, unless a borrower or co-borrower Is deceased or the Lender has
waived this requirement in writing.
8. That this Agreement shall supersede the terms of any modification, forbearance, Trial Period
Plan or Workout Plan that I previously entered into with Lender.
C. To comply, except to the extent that they are modified by this Agreement, with all covenants,
agreements, and requirements of Loan Documents including my agreement to make all
payments of taxes, insurance premiums, assessments, Escrow Items, impounds, and all
other payments, the amount of which may change periodically over the term of my Loan.
D. That this Agreement constitutes notice that the Lender's waiver as to payment of Escrow
Items, if any, has been revoked, and I have been advised of the amount needed to fully fund
my Escrow Account.
E. That the Loan Documents are composed of duly valid, binding agreements, enforceable in
accordance with their terms and are hereby reaffirmed.
F. That all terms and provisions of the Loan Documents, except as expressly modified by this
Agreement, remain in full force and effect; nothing in this Agreement shall be understood or
construed to be a satisfaction or release in whole or in part of the obligations contained in the
Loan Documents; and that except as otherwise specifically provided in, and as expressly
modified by, this Agreement, the Lender and I will be bound by, and will comply with, all of
the terms and conditions of the Loan Documents.
G. That, as of the Modification Effective Date, notwithstanding any other provision of the Loan
Documents, I agree as follows: If all or any part of the Property or any interest in it is sold or
transferred without Lender's prior written consent, Lender may, at its option, require
immediate payment in full of all sums secured by the Mortgage. However, Lender shall not
exercise this option if federal law prohibits the exercise of such option as of the date of such
sale or transfer. If Lender exercises this option, Lender shall give me notice of acceleration.
The notice shall provide a period of not less than 30 days from the date the notice is
delivered or mailed within which I must pay all sums secured by the Mortgage. If I fail to pay
these sums prior to the expiration of this period, Lender may Invoke any remedies permitted
by the Mortgage without further notice or demand on me.
H. That, as of the Modification Effective Date, a buyer or transferee of the Property will not be
permitted, under any circumstance, to assume the Loan. This Agreement may not, under
any circumstances, be assigned to, or assumed by, a buyer of the Property.
I. That, as of the Modification Effective Date, if any provision in the Note, as amended, allowed
for the assessment of a penalty for full or partial prepayment of the Note, such provision is
null and void.
MULTISTATE HOME AFFORDABLE MODIFICATION AGREEMENT-Single Family- Fannie Mae/Freddie Mac UNIFORM
INSTRUMENT Form 3157 GSE with forbearance 3109 (page 3 of 4 pages)
Station Id :LBD4
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By:
Date
Order: 4308463 Title Officer: Comment: Station Id :LBD4
Inst. # 2010121148 - Page 6 of B
(Sl!kMI D. SEIDEL
..,.. ________ ""11!i''ITlll:l'V-PLiBt.IC, Stataof!ll11w Yotk
No. 01SE4647851

Commission June .:W:1,.., ''
c'\N .......... VlJ""' 'f"i .. \ "L ... n')
[Space Below ThisUne Fo.'

r __...._
.. f!Ufl, LEE KEE ROBINSON, SR.
/. My Comm"'siQn EMpires
o ":NOTARY.'. """"
:: :. ;:._,: May 20, 2013
.':!!,. St County
CommiSSion #09462618
1111\'1\
MUL TISTATE HOME AFFORDABLE MODIFICATION AGREEMENT - Slngle Family - Fannie Mae/Freddie Mac UNIFORM
INSTRUMENT Form 3157 GSE with forbearance 3/09 (page 4 of4 pages}
MONMOUTH,NJ Page 6 of8 Printed on 1/10/2014 1:56:23 PM
Docwnent: MTG MOD 8867.8513
Branch :WOR,User :AJAC Order: 4308463 Title Officer: Comment:
MONMOUTH,NJ
c m ~
Prepared By:
CitiMortgage, Inc.
I 000 Techn'ology Drive
O'Fallon, MO 63368-2240
1-866-272-4749
Specialist:
i t ~
Document: MTG MOD 8867.8513
Inst. # 2010121148 - Page 7 of 8
Page 7 of8
Station Id :LBD4
Printed on 1/10/2014 1:56:23 PM
Branch :WOR,User :AJAC Order: 4308463 Title Officer: Comment:
Inst. # 2010121148 - 8 of 8
Legal Description
AR that certain Lot, piece or of land, wilh the buiJdinas and ilnprovemonts tbacon erected,
situate, lyina and being in 1he Borough of Sea Origin, County of Moniuoi&th Slate of New lcney:
BEGINNING at a drill bolo.in cuncrcte in the soatherJy sideline of South Sum (25' ROW) 11\id point
bciJlg distant 286.25 fuct westerly aJang the same, from its intersec:don With the westerly sWinc of
Ocean Aw.nu11; thlllCll f11Mina.
(I) South 7 dllgrecs 5.5 miautes 00 ncoods W"t, 45.00fliet to a point; tbcni;c.
(2t Nri 82 ckgrees 0.5 minutes 00 seconds West, 25.00 feet to a point; lhcmcc,
(3) North 7 degrees SS minutes 00 seconds East, 45.00 fei:t to drill f\olo ia concn:rc in the :ioutherly
sidetine Of South Street; 1hencc,
(4) Alona the saiae, South 82 degrcea 05 minutes 00 2.5.00 fO.>I to the point aud place or
BEGINNING.
NOTE: (li'or lnforlbllioaal OnJy) Being Lot(s) IS, BJock 14, Tax Map of'thc BllfOU!h of
Sa Bright, Cwnty of Monmoulh, llld State of New Jersey.
Station Id :LBD4
MONMOUTH,NJ Page 8 of8 Printed on 1/10/2014 1:56:24 PM
Document: MTG MOD 8867.8513
EXHIBITD
-, ;
r . ; {'
Cit!Mortgage, Inc.
PO Box9090
Temecula, CA 92589-9090
Send Payments to:
CiiiMortgage, Inc.
P.O. Box 183040
Columbus. OH 43218-3040
11 H I
7196 9006 9297 0736 4319
20131121-168
1' IP1111.11111111I1 m1 I .1, 1,, 11,1111! I' I 1111I1' 11l'l11
JYLL S JAKES
12 SOUTH ST
SEA BRIGHT, NJ 07760-2129
PRESORT
First-Class Mail
U.S. Postage and
Fees Paid
wso
CITlNJDEMAND
rtir1

CitiMortgage
1112112013
JYLL SJAKES
12 SOUTH ST
SEA BRIGHT, NJ 07760-2129
Sent via Certified Mail, Return Receipt Requested and First Class Mail
RE Security Instrument Dated:
Original Amount Due:
Property Address:
CiHMortgage. Loan #:
0711512005
$300,000.00
12 SOUTH STREET
SEA SRlGm',NJ Q7'/PO
065017:1:610
>1o1ww.citirnortgalffe,tom
NEW JERSEY NOTICE OF DEFAULT AND lNTENTl.ON TO FORECLOSE
Dear Customer(s):
nm ABOVE REFERENCED LOAN IS IN DEFAULT'. Payments for 08/0l/2010 through lllOMZOB have
not been made as required by the note and mortgage, deed -of trust, security agreement or soot1rity deed (the
,.Security lnstrnmenti') on the referenced property. Refer to the note and Security Instrument for additional
information. If you have filed for bankruptcy protection, this notice iS provided to you for comp:liance and
infonnational purposes and is not an attempt to collect a debt from you (deficiency ot otherwise) or in any way
violatethe provisions of the United States Bankruptcy Code.
Name of Lender:
Address of Lender:
Name of Servicer for Lender:
Telephone Number of Servicer (R.epresentativ.e of Lender);
CITIMORTGAGE, INC
1000 TECHNOLOGY DRIVE
0
1
F ALLON, MO 63368
CitiMortgage, Inc.
J-800-723-7906*
You have the right to cure the default. To cure the must pay the past due of $68,963.48 by
December 26, 2013 (or the next business day thereafter if December 26, 2013 is a Saturday. Sunday, or
Federal holiday). The past due amount on the date of this notice is specified below:
Payments: $66,523.62
Late Charges: $2,048.36
Ddinquency Expenses
"' Property Inspection: $391.50
2013 CitiMortgage, foe. CftiMortgage, Inc. does business as Citicorp Mortgage in NM. Inc. is an equa11lousing te11der. Oli; Arc Design, and Citi and
Ar Design are reqister.ed service marks of Citlqroup.lnc. calls are nmdomly monitored arul recorded for Quality assurance. CitlMortgaqe ts a.debt collector and
Ln.... any intormation obtained will. be used for. that purpose.
CITINJDEMAND
Page I of5
Any additional monthly payments and late charges that fall due by December 26, 2013 must also be paid to
bring your loan current. You must send your payment to:
CitiMortgagc, Inc.
MarkAnthony Hartland
P .0. Box 183040
Columbus, OH 43218-3040
1-877-362-0175*
If yon disagree with the assertion that a default has occurred or with the amount required to cure the default,
please contact MarkAnthony Hartland at the address and phone number listed above or the Lender's
Representative at the phone n u ~ ~ listed on Page l of this letter. When you contact CitiMortgage, please
referto your loan number: 0650171620.
You must cure the default by December 26, 2013 to avoid acceleration of all sums due under the Security
Instrument and initiation of foreclosure proceedings. This means the entire unpaid balance will become due.
The Lender may take steps to terminate your ownership in the property by connnencing a foreclosure suit in a
court of competent jurisdiction and will be entitled to recover court costs and attorneys' foes in an amount not
to exceed that amount permitted pursuant to the Rules Governjng the Courts of the State of New Jersey. If you
cure the default by December 26, 2013, there will be no requirement to pay attorneys' fees and legal costs.
If the Lender commences a foreclosure action, you still have the right at any time, up to the entry of final
judgment or the entry by the court of an order of redemption, to cure the default, de-accelerate and reinstate the
loan. However, you will be responsible for our court costs and attorneys' fees in an amount not to exceed that
amount penuitte<l pursuant to the Rules Governing the Courts of the State of New Jersey.
In any foreclosure proceeding, you have the right to assert the non-existence of a default or any other defense
that you may have to acceleration and the sale of the property.
You may have the right to transfer the property to another person subject to the terms within the above
reforence-d security interest and promissory note it secures, and the transferee may have the right to cure the
default and assume the loan. Please refer to your note and Security Instrument or contact CitiMortgage at the
address and phone number listed above to determine if your loan is assumable.
You are advised to seek counsel from an attorney of your own choosing concerning your default situation. If
you are unable to obtain an attorney, you may contact the New Jersey Bar Association or Urwyer Referral
Service in the county in which the property is located. 1f you are unable to afford an attorney, you may
communicate with the Legal Services Office in the county in which the property is located.
You may be eligible for homeownership counseling from one of the Department of Housing and Urban
Development ("HUD") approved homeo\:i.'llership counseling agencies. To obtain a list of approved counseling
agencies, please call (800) 569-4287 or visit http://www.hud.gov/offices/hsg/sfu/hcc/hcs.cth1. You may also
contact the Homeownership Preservation Foundation's Hope hotline at (888) 995-HOPE (4673). You may also
call CitiMortgage at 1-800-723-7906* (Monday through Friday 7Ai\1-l1 PM CST, Saturday 7 AM-4 PM
CST, and Sunday 7 AM-7 PM CST) for information regarding the HUD-approved homeownership counseling
agency nearest yon or to discuss the circumstances of the default with one of CitiMortgage's loan counselors.
TTY Services are also available. To access: Dial 711 from the United States or Dial 1-866-280-2050 from
Puerto Rico.
You may be able to obtain financial assistance for curing the default from programs operated by the state or
federal government or nonprofit organizations identified by the Commissioner of Banking and Insurance.
Enclosed is a list of agencies and organizations that may be able to offer you financial assistance.
CITINJDEMAND
Page 2 ofS 7196 9006 9297 0736 4319
Are you concerned with how handled your account? Haveyou recentlybeen'declined for a lllC!dification
or a short sale and disagree with our decision? Catl us at 1-877435-3314:* (lvfonday tbrough Friday 7 AM .. ! I
PM CST, Saturday and Sunday 7 AM-7 PM CST) or email us at: eru_support@dtLcotn***. You may also
contact us via mail at: CitiMortgage, Inc., P.O. Box 6243, Sioux Falls, SD 57117-6243.
Enclosures: Government aud Non-Profit Counseling Entities List, Lawyer Referral Services List
Sincerely,
CitiMortgage, Inc.
*Calls are randomly monitored and recorded to ensure quality servfoe.
**Hours of operation provided retlect general hours w the Support:Sp:ecialistuntt.
"'**lf contacting CitiM:ortgage through email, please do not inclilde confidential infQrmation.
CitiMortgage does not endorse any specific credit counseling agency and is providing this number as a courtesy
to our customers. The counseling agencies listed are not affiliate-d with CitiMortgage.
This is an attempt to collect a debt and any information obtained will be used for thaJpurpose.
CITINJDEMAND
Page 3 ofS
AMERICAN CREDIT ALLIANCE, lNC.
26 South Warren Street
Trenton, NJ08608
Phone: l-609-393-5400
ATLANTIC HUMAN RESOURCES, INC.
l South New York Avenue
Atlantic City, NJ08401
Phone: 1-609-348-4131
CONSUMER CREDIT COUNSELING SERVICE
OF CENTRAL NEW JERSEY
1931 Nottingham Way
Hamilton, NJ 08619
Ph1me: 1-609-586-2574
CONSUMER CREDIT COUNSELlNG SERVICE OF
NEW JERSEY
185 Ridgedale Avenue
Cedar Knolls, NJ 07927-1812
Phone: 1-973-267-4324
FAlR HOUSING COUNSEL OF NORTHERN NEW JERSEY
13 l Main Street
Hacke11saek, NJ0760l
Phone: l-201-489-3552
GARDEN STATE CONSUMER CREDIT COUNSELING, INC.
225 Willowbrook Road
Freehold, NJ07728
Ph1..'nc: 1-800-992-4557
JERSEY COUNSELING & HOUSING
DEVELOPMENT, lNC.
29 South B!ackhorse Pike
Blackwood, NJ08-012
Phone: 1-856-227-3683
JERSEY COUNSELING & HOUSING DEVELOPMENT, INC.
1840 South Broadway
Camden, NJ08104
Phone: 1-856-54 l- l 000
MERCER COUNTY HISPANIC ASSOCIATlON
200 E State Street, 2nd floor
Trenton, NJ 08607
Phone; .l -609-392-2446
MIDDLESEX COUNTY ECONOMIC
OPPORTUNITTES CORPORATrON
t2l5 Llvingston Avenu.e
North Brunswick. NJ 08902
Phtne: 1-732-790-3344
MONMOUTH COUNTY HUMAN SERVICES
Housing Scniccs Unit
PO Boll. 3000
Frcehol.d, NJ 07728
Ph,mc: 1-732-431-7998
NJ CITIZEN ACTION (main office(financial education certter)
744 Broad Street, Suite 2080
Newark, NJ 07102
Phone: l-973-643-8800
Toll-free: l-800-NJ-O\VNER (Loan Counseling)
Toll-free: 1-888-TAXES-l l (Free Tax Preparation Assistance)
NJ CITIZEN ACTION (Central J<wsey)
85 Raritan Avenue, Suite 100
Highland Park, NJ 08904
Phone: I 732-246-4 772
NJ Cfl'IZEN ACTION (South Jersey)
2 Riverside Drive, Suite 362
Camden, NJ 08 l 03
Ph011e: l-856-966-3091
OCEAN COMMUNITY ECONOMIC ACTION NOW, lNC.
22 Hyer Street
Toms River, NJ 08753-0773
Phone; 1-732-244-235 l, extension 2
PATERSON COALITION FOR HOUSIND, INC.
262 Main Street, 5th Floor
Paterson .. NJ07505
Phone: 1-973 .. 6845998
PATERSON TASK FORCE FOR COMMUN1TY ACTION, INC
155 Ellison Street
Paterson, NJ 07505
Phone: l-973-279-2333
PUERTO RICAN ACHON BOARD
HOUSING COAUTION UNIT
90 Jersey Avenue
New Brunswick., NJ 08901
Phone: 1-732-249-9700
TRI-COUNTY COMMUNITY ACTION AGENCY, I.NC.
110 Cohansey Street
Bridgeton, NJ 08302
Phone: 1-856-451-6330
URBAN LEAGUE FOR BERGEN COUNTY
106 West Palisade Avenue
Englewood, NJ07631
Phone: 1-201-568-4988
URBAN LEAGUE OF ESSEX COUNTY
508 Central. Ave.nue
Newark, NJ 07 l O l
Phone: 1-973-624-9535
URBAN LEAGUE OF UNION COUNTY
288 North Broad Street
Elizabeth. NJ07208
Phone: 1-908-3 51-7200
HOMELESSNESS PREVENTION PROGRAM
New Jersey De.partment of Community Affairs
Toll-free: 1-866-889-6270 *
Basic eligibility is limited to: (a) single family ow11er/occupied dwel.lings with all thos.; on lhe Deed wid \lCC11pying the house; (b) no more tha:n one
mot1gage ot lien encumbrance 011 the property; (c) no mitiated or ongoing bat1kruplt-)'. Assu;tanee will be 111 the form ofa loan, and a lien will be placed on the
property. '!11c family must d<X:utncnt the fow1ci;1l reason for At the time of the eligibility d.:cfoi.on, thll household must have and sufficient
incon1e to support the hrnisehold and repay the Imm. There is a fee fur the credit check and property sr..arch.
This listing Lq current as of08/14i2013 and retrieved from: www.state .. nj.us!dobi!division cousumers!firuince/counselorn.html
ClTINJDEMAND
Page 4 of5 7196 9006 9297 0736 4319
Atlantic CoUllty Bar Association
1201 Bacharach Boulevard
Atlantic City, NJ 084(}1
609-345-3444
E,.Mail:
Internet: www.atcohar f1rg
Bergen County Bar Association
15 Bergen Street
Haclu,'flsack, NJ 07601
2-0 I -488-0044
Internet: wvrw.bergenbar.org
Burlington County Bar AsSOt:Iathm
45 Grant Street
Mount Holly. NJ 08060
609-261-4862 or 609-261-4863
Email:
www.bnrkobar.org
Camden County Bar Association
1040 North Xings Hi;gbway, Suite 201
Cherry Hill, NJ 08034
856-482-0618
Internet: www.camdencountybar.org
Cape May County Bar Association
9 North Main Street
Cape May Court House, NJ 08210
609-463-0313
E-Mail:
Cumberland County Bar kssO'Ciation
PO Box2374
Vineland; NJ 08362
856-453-7000
E-Mail: info@cumbnjbarassoc.org
Internet: www
Essex County Bar Association
470 Martin Luther King Jr. Boulevard
Newark;, NJ 07102
9U-533-6775
info@esscxbar.com
lntt.'i'flet:
Exec. Dir.: Wendy E. Deer
ClTINJDEMAND
SofS
Gloucester County Bar Assoclatioa
PO Box338
Woodbury, NJ 08-096
856-848-4589
Email: baroffi'@gcbanj<org
Internet: www,g1:banj.l)fg
Hudson Connty Bar Association
583 Newark Avenue
Jersey City, NJ 07306
2017984708
lnternet www.hebalaw.eom
flunterdon County Bar Association
PO Box.573
Annandale, NJ 0880'1
908.,236'-6109
E-mail: direc.tor@)luntcoJaw.org
Internet:
Meren County Bar ASSoc1at1on
1245 Whitehorsc:-MercetwiUe
Suite 42Q
Mercerville, NJ 08619
609-585..()200
E-mail: ebrennan@mereerbar.com
Internet: www.mercerbar.com
Middlesex County Bar Association
87 Bayard Street
New Br:unsWick, NJ 08901
732-8.28-0053 ext. 100
E-mail: admin@nicbala:w.com
Internet: www.mcbalaw.com
Exec. Dir.: Jonathan p; Cowles
Monmouth Bar AssO'Chtdon
Monmouth County CourtH<>use
f'i:eehold, NJ 07728
732431.-5544
Email:
tmaciewtczmonmoutllbal'.@verjzo.rliltet

www.monmootltbarassodatton.com
M.orris County Bar
28 Schuyler Place
Morristown, NJ 07960
9732670.:58{>2
Email: yperez@mormoonntybar.com
Internet; www.morrisoouutybar.eo-m
Oc'ean County Bar As:iociatlon
PO Box 381
Toms River, NJ0$7S4
732--2403666
Email:karin@ocean<::ountybar;org

Passaic County Bar Association
401 Grand Street, 3rd Floor
NJ 07505
9'fri3;;3454585
l'nirnet: www.pirssaicbar.org
County Bar Assooatton
856-93 55629
intern et: www .salemcoun:tybi.uorg
Somerset County Bar As$ochttfun
20 North Bridge Street HCH32:5:
Somerville, Ni 08876

Emaif: eawifler@s0rnersetbar.com
Internet: wmv;somersetbar .com
County Bar Associatltm
2 Broad Street lst Floor
Elizabeth, NJ 07207
9mM5J-4715
Internet: www.uelaw.com
Warren County Bar Association
413 Second Street
Belvidere, .NJ 07823

imait:
CitiMortgage, Inc.
PO Box9090
Temecula. CA.925$9.-9090
Send Payments to:
CitiMortgage,. Inc.
P.O. Box 183040
Columbus, OH 43218"3040


"l1tt.111h111thl1t1l
11
lll
11
b
1
1il1Hhll'11U
1
'l
11
m1J
1
I
JYLL S JAKES
12 SOUTH STREET
SEA .BRIGHT, NJ 07760
PRESORT
First-C)aSi:kMail
u:s .. Postage and
Fees.Paid
wso
CITINJDE.MA.NO
CitiMortgage
11121/2013
JYLL S JAKES
12 SOUTH STREET
SEA BRIGHT, NJ 07760
Sent via Certified Mail, Return Receipt Requested and First Class M.ail
RE Security Instrument Dated:
Original Amount Due:
Property Address:
CitiMortgage Loan #:
07/15/2005
$300,000.00
12 SOUTH STREET
SEA BRIGHT, NJ 07760
0650171620
www.citimortqaqe.com
NEW JERSEY NOTICE OF DEFAULT AND INTENTION TO FORECLOSE
Dear Customer(s);
THE ABOVE REFERENCED LOAN IS IN DEFAULT. Paymeuts for 08/0li2010 through J l/01/2013 have
not been made as required by the note and mortgage, deed of trust, security agreement or security deed (the
"Security Instrument") on the referenced property. Refer to the note and Security Instrument for additional
information. If you have filed for bankruptcy protection, this notice is providt::d to you for compliance and
infomiational purposes and is not an attempt to collect a debt from you (deficiency or othefV\lise) or in any way
violate the provisions of the United States Bankruptcy Code.
Name of Lender:
Address of Lender:
Name of Servicer for Lender:
Telephone Number of Servicer (Representative of Lender);
CITIMORTGAGE; INC
1000 TECHNOLOGY DRIVE
O'FALLON, MO 63368
CitiMortgage, Im;.
l -800-723-7906*
You have the right to cure the default. To cure the default you must pay the past due amount of $68,963.48 by
December 26, 2013 (or the next business day thereafter if December 26, 2013 is a Saturday, Sunday, or
Federal holiday). The past due amount on the date of this notice is specified below:
Payments: $66,523.62
Late Charges: $2,048.36
Delinquency Expenses
0
Property Inspection: $391.50
fl ~ 2013 Ci!iMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CiliM01tgage, Inc. is an eQual housing lender. C1ti. Arc Oesign, and Citi and
~ Arc Design are registered servke m r ~ s of Citigr\lup Inc. calls am randomly monitored and recorded for quality assurance. CitiMort9age is a debt collector and
........ any information obtained will be used for that purpose.
ClTINJDEMAND
Page J of5 2278890808
fD
rm
Aey additional monthly payments and late charges that fall due by December 26f 20:13 mu.<;t also be paid to
bring your loancurrent. You must send your pa.yrnentto:
CitiMortgage, Inc;
:Marki\nthy Hartld
P.O. Box 18'3040
Columbus, OH 43218-3040
1-877-362-0l 7'5 *
If you disagree with the assertion that a default has occurred or with:tbe amount required to cure the default,
please contact MarkAnthony Hartland at the address and phone number listed above or the Lender's
Representative at the phone number listed on Page 1 of this letter. When you contact CitiMortgage, please
refer to your loan number: 0650171620.
You must cure the default by December 26, 2()13 to avoid acceleration of aJJ sums due under the Security
Instrument and initiation of foreclo.-.ure proceedings. This means the entire unpaid balance will become due.
The Lender may take steps to terminate Y<l'ur ownendlip in the :property by commencing a suit in a
court of competent jurisdiction andwill be entitledt-0 recover court costs and attorneys' fees in an amount not
to exceed that amount permittedputsuant to the.Rules Goveniifig the Courts of the State of New Jersey. If you
cure the default by December 26, 2013, there will be no requirement to pay attorneys' fee$ and legal
If the Lender c.ommence$ a foreclosure action. you still ,have the right a,t any tjme, up to the entry of' final
judgment or the entry by the court of an order of redemption, to cure the default, :de:+ accelerate amfreiilState the
loan. However. you will betesponsible for our court costs and attoroeys' fees in an amount not to exceed that
amount permitted pursuant to the Rules Governing the Courts of the State ofNew Jersey.
In any foreclosure proceeding, you have the right to assert the non-existence .of a default or any other defense
that you may have to acceleration and the sale of the property.
You may have the right to transfer the property to another person subject to the terms within the above
referenced security interest and promis'Sory nete it secures, and the transferee may have the right to cure the
default and assume the loan. Please refer to your note and Security Instrument or contact CitiMortgage at the
address and phone number listed above to determine if your Joan is assumable.
You are advised to seek counsel from an attorney ot: your own choosing concerning your default situation. 1f
you are unable to obtain an attorney, you may contact the New Jersey Bar Association or Lawyer Referral
Service in the county in which the property is located. If you are unable to afford an attorney, you may
con:ununicate with the Legal Services Office fn the county in which the property is located.
You may be eligible for homeownership counseling from one oftb.e Department o.fHousing and Urban
Development ("Hl.JD'') approved homeownership counselit:ig ageticies. To obtain a .list of apJltov<:d counseling
agencies. please call (&00) 569--4287 or visit http://www.hud.gov/officeslhsglsfh/hcc/hcs,cfin. ou may also
contact the Homeownership Preservation Foundation's Hope hotline at (88g) 995 .. .HOPE (4671), You may also
call CitiMortgage at I 7906* (Monday through Friday 7 AM-11 PM CST. Saturday 7 AM4 PM
CST, and Sunday 7 AM-7 PM CST) for infonnation regarding the HUD-approved homeownership counseling
agency nearest you or to discuss the circumstances of the default with olieof CitiMortgage'sJoan counselors.
TTY Services are also available; To Dial 7U from the United'States orDiall-866-280-2050 from'
Puerto Rico,
You may be able to obtain financial assistance for curing the default from programs operated by the state or
federal government or nonprofit organizations identified by tbe Commissioner of Ba11ldng and Insurance.
Enclosed is a list of agencies and organizations that may be able to offer you financial assistance.
C!TINJDEMAND
Pagi': 2of5
Are you concerned \\1th how we've handled your account? Have you recently been declined for a modification
or a short sale and disagree with our decision? Call us at 1-877-435-3314* (Monday through Friday 7 AM-11
PM CST, Saturday and Sunday 7 AM-7 PM CST) or email us at: eru_support@dti.com***. You may also
contact us via mail at: CitiMortgage, Inc., P.O. Box 6243, Sioux Falls. SD 57117-6243.
Enclosures: Govenunent and Non-Profit Counseling Entities List, Lawyer Referral Services List
Sincerely,
CitiMortgagc, Jnc.
*Calls are randomly monitored and recorded to ensure quality servfoe.
**Hours of operation provided reflect general hours for the Homeowner Support Specialist unit.
***If contacting CitiMortgage through email, please do not include confidential information.
CitiMortgage does not endorse any specific credit counseling agency and is providing this number as a courtesy
to our customers. The counseling agencies listed a,re not affiliated with CitiMortgage.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
ClTINJDEMAND
Page 3 ofS 2271.1890801.\
AMERICAN CREDIT ALLIANCE. INC.
26 South Warren Street
Trenton, NJ08608
Phone: 1-609-393-5400
ATLANTlC HUMAN RESOURCES, INC.
l South New York Avenue
Atlantic City, NJ08401
Phone: l-609-348-4131
CONSUMER CREDIT COUNSELlNG SERVICE
OF CENTRAL NEW JERSEY
1931 Nottingham Way
Hamilton, NJ08619
Phone: 1-609-586-2574
CONSUMER CREDIT COUNSELlNG SERVICE OF
NEW JERSEY
!85 Ridgedale Avenue
Cedar Knolls, NJ 07927-1812
Phone: 1-973-267-4324
FAIR HOUSING COUNSEL OF NORTHERN NEW JERSEY
J 31 .Main Street
Hackensack, NJ0760l
Phone: 1-201-489-3552
GARDEN STATE CONSUMER CREDIT COUNSELING, INC.
225 Willowbrook Road
Freehold, NJ07728
Phone: 1-800-992-4557
JERSEY COUNSELING & HOUSING
DEVELOPMENT. INC.
29 South Blackhorse Pike
Blackwood, NJ08012
Phone; 1-856-227-3683
JERSEY COUNSELING & HOUSING DEVELOPMENT, INC.
1840 South Broadway
Camden, NJ08 l 04
Phone: 1-856-541-1000
MERCER COUNTY HISPANIC ASSOCIATION
200 E Siate Street, 2nd Floor
Trenton, NJ 08607
Phone: l-609-392-2446
MIDDLESEX COUNTY ECONOMIC
OPPORTUNITJES CORPORATION
t215 Livingston Avenue
North Brunswick, NJ 08902
Phone: 1-732-790-3344
MONMOUTH COUNTY HUMAN SERVICES
Housing Services Unit
PO Box 3000
Freehol.d, NJ 07728
Phm1e: 1-732-431-7998
NJ CITIZEN .ACTION (mai11 oj.'fit::e(financial education center}
744 Broad Street, Suite 2080
Newark, NJ 07102
Phone: l-973-643-8800
Toll-free: l-800-NJ-OWNER (Loan Counseling)
Toll-free: J-888-TAXES-l l (Free Tax Preparation Assistance}
NJ CITIZEN ACTION (Central Jersey)
85 Raritan Avenue, Suite 100
Highland Park, NJ 08904
Phone: l-732-246-4772
NJ CfI'IZEN ACTION (South Jersey}
2 Riverside Drive, Suite 362
Camden, NJ 08103
Phone: 1-856-9663091
OCEAN COMMUNITY ECONOMIC ACTlON NOW, .INC.
22 Hyer Street
Tonis Rivt.>r, NJ 08753-0773
Phone: l-732-244-2351, ex.tension 2
PATERSON COALITION FOR HOUSING, INC.
262 Main Street. 5th Floor
Paterson, NJ07505
Phone: 1-973-684-5998
PATERSON TASK FORCE FOR COl\t1MUN!TYACTION, INC
155 Elli.son Street
Paterson, NJ 07505
Phone: l-973-279-2333
PUERTO RICAN ACTION BOARD
HOUSING COALITION UNIT
90 Jersey Avenue
NewBnmswick, NJ 08901
Phone: l-732-249-9700
TRI-COUNTY COMMllNlTY ACTION AGENCY, INC.
1100'.lhanseyStreet
Bridgeton, NJ 08302
Phone: 1-856-451-6330
URBAN LEAGUE FOR BERGEN COUNTY
106 West Palisade Avenue
Englewood, NJ07631
Phone: l-201-568-4988
URBAN LEAGUE OF ESSEX COUNTY
:508 Ceutral. Avenue
Newark,, NJ 07 l 01
Phone: 1-973-624,9535
URBAN LEAGUE OF UNION COUNTY
288 North Broad Street
Elizabeth, NJ07208
Phone: 1-908-351-7200
HOMELESSNESS PREVENTION PROGRAM
New Jersey De,partment of Community Affairs
Toll-free: 1-866-889-6270 *
!3asic digibitity io limited to: (a} single family owner/ov-cupied dwellings with ~ fuose on the Deed imd Mortgage occupying 1he house; {b) no mvre than one
mortgage or lien encumbrance on t.he property; (c) no initiated oi- ongoing bankruptcy. AHststance wil.l be in the form ofa loan, and a lien will be placed ot1 the
property. 'I11e ramHy must document the financial reason for nonpayment. At the time of the eligibility dccisi!m, ihc h9usehold must have and document sufficient
income to support the household and repay the loan. Thete is a foe fur the credit check and property search.
This listing is current as of08/14/20l3 and retrieved from: www5tate.11j.us!dobi!division consurnersl'thmnce/counseiors.html
C!TIN.IDEMAND
Page 4 of5
2271.1890808
Atlantic County Bar Association
1201 Bacharach Boulevard
Atlantic City, NJ 08401
609-345-3444
E-Mail: Tamara.Lamb@atcobar.org
Internet: www,atcobar.org
Bergen County Bar Association
I 5 Bergen Street
Hackensack, NJ 07601
201-488-0044
Internet:
Burlington County Bar Association
45 Grant Street
MountHoUy, NJ 08060
609-261-4862 or 609-261-4863
Email: bcba@hurkohar.org
Internet: www.bnrleobar.org
Camden County Bar Association
1040 North Kings Highway, Suite 201
Cherry Hill, NJ 08034
856-482-0618
Internet: l>nvw.camdencountybar.org
Cape May County Bar Association
9 North Main Street
Cape May Court House, NJ 08210
ti09-463-03 l 3
E-Mail: cmcba@comcast.net
Cumberland County Bar Association
PO Box 2374
Vineland, NJ 08362
856453-7000
E-Mail: info(..cumbnjbarassoc.org
Internet: www.cumbnjbarassoc.org
Essex County Bat Association
470 Martin Luther King Jr. Boulevard
Newark, NJ 07102
973-533-6775
E-mail: info@esscxbar.com
internet: www.cssexbar.com
Exec. Dir.: Wendy E. Deer
C1TINJDEMAND
Page 5 ofS
Gloucester County Bar Association
PO Box338
Woodbury, NJ 08096
856-848-4589
Email: baroffice(<Ygcbanj .org
Internet: www.gcbanj.org
Hudson County Bar Association
583 Newark Avenue
Jersey City, NJ 07306
201-798-4 708
Internet: www.hcbalaw.com
H.unterdon County Bar Association
PO Box573
Annandale, NJ 0880 l
908-236-6109
E-mai I: director@Jnmtcol.aw.org
Internet: www.hunteolaw.org
Mercer County Bar Association
1245 Whitehorsc-Mercerville Road,
Suite 420
Mercerville,NJ 08619
609-585-6200
E-mail: ebrennan@mercerbar.com
Internet: www.mercerbar.com
Middlesex County Bar Association
87 Bayard Street
New Brunswick, NJ 08901
732-828-0053 ext. 100
E-mail: admh1@mcbalaw.com
Internet: www.mcbalaw.com
Exec. Dir.: Jonathan P. Cowles
Monmouth Bar Association
Monmouth County Court House
Freehold. NJ 07728
732-431-5544
Email:

Internet:
www.monmoutbbarassodation.com
M.orris County Bar Association
28 Schuyk"f Place
Morristovvn, NJ 07960
973-267-5882
Email: yperez@morriscountybar.com
Internet; www.morriscountybar.com
Ocean County Bar Association
POBox 381
Toms River, NJ 08754

Email: kadn@oceancountybar.org
Intern et: .org
Passaic County Bar Association
401 Grand Street, 3rd Floor
Paterson, NJ 07505
973-345-4585
Internet: www.passaicbar.org
Salem County Bar Ass-0dation
856-935-5629
Internet: www.salemcountybar.org
Somerset County Bar Ass()clation
20 North Bridge. Street HCH 32$
Somerville, NJ 08876
908-685-2323
Email: cawinder@somersetbar.com
Internet www.somersetbar.com
Union County Bar Association
2 Broad Street lst Floor
Elizabeth, N.l 07207
908-353-4715
Internet: www.uclaw.com
Warren County Bar Association
413 Second Street
Belvidere, NJ 07823
908-387-1835
Email: warrencmmtybar@yahoo.com
2271.18"10808
Cit1Mortgage, Inc.
PO Sox9090
Temecula, CA 92589-9090
Send Payments to:
CitiMortgage, Inc.
P.O. Sox 183040
Columbus, OH 43218-3040
I
7196 9006 9297 0736 4333
20131121-166
''' '11'1I'1Il11
111
1
11
If11Ill111111111
1

1
1 11'111
1
1
11
11
1
1111
JYLL S JAKES
12 SOUTH STREET
SEA BRIGHT, NJ 07760
PRESORT
First-Class Mail
U.S. Postage and
Fees Paid
wso
CITINJDEMAND
CitiMortgage
1 l/21/2013
JYLL SJAKES
12 SOUTl-I STREET
SEA BRIGHT, NJ 07760
Sent via Certified Mail, Return Receipt Requested and First Class Mail
RE: Security Instrument Datt'!i:
Original Amount Due:
Property Address:
CitiMortgagc Loan #:
07/15/2005
$300,000.00
12 SOUTH STREET
SEA BRCGHT, NJ 07760
0650171620
www.titimortgalje.com
NEW .JERSEY NOTICE OF DEFAULT AND INTENTION TO FORECLOSE
Dear Customer(s):
THE ABOVE REFERENCED LOAN IS IN DEFAULT. Payments for 08/0112010throughI1/01/2013 have
not been made as required by the note and mortgage, deed of trust, security agreement or security deed {the
"Security Instrument") on the referenced property. Refer to the note and Security Instrument for additional
information. If you have filed for bankruptcy protection., this notice is provided to you for compliance and
informational purposes and is not an attempt tq collect a debt from you {deficiency or otherwise) or in any way
violate the provisions of the United States Bankruptcy Code.
Name of Lender:
Address of Lt.-'llder:
Name of Servicer for Lender:
Telephone Number of Servicer (Representative of Lender):
CITJMORTGAGE . INC
1000 TECHNOLOGY DRIVE
O'FALLON, MO 63368
CitiMortgage, fnc.
J -800-723-7906*
You have the right to cure the default. To cure the default you must pay the past due amount of $6$,963.48 by
December 26, 2013 (or the next business day thereafter if December 26, 2013 is a Saturday, Sunday, or
Federal holiday). The past due amount on the date of this notiee is specified below:
Payments: $66,523.62
Late Charges: $2,048.36
Delinq:uency .xpenses
0
Property Inspection: $391.50
2013 Ci!iMortgage, Inc. CitiMortgaqe, Inc. does business as Citicorp Mor1gage in NM.CitiMortqage, Inc. is an equal housing lender. Citi, Arc Oesiqn, Citi and
!:#i! Arc Design are registered service of Citigroup Inc. calls are randomly monitored and recorded for quaHty assurance. CitiMort9a9e is a debt collector and
...... any information obtained will be used for that purpose.
ClTL'lJDEMAND
Page 1 of5 71."lb 900b "1297 073b 4333
Any additional monthly payments and late that fall due by December 26, 2013 must also be paid to
bring your loan current. You must send your payment to:
CitiM.ortgage, Inc.
MarkAnthony Hartland
P.O. Box 183040
Columbus, OH 43218-3040

If you disagree with the assertion that a default has occurred or with the amount required to cure the default,
please contact MarkAnthony Hartland at the address and phone number listed above or the Lender's
Representative at the phone number listed on Page l of this letter. When you contact CitiMortgage, please
refor to your loan number: 0650171620.
You must cure tbe default by December 26, 2013 to avoid acceleration of all sums due under the Security
Instrument and initiation of foreclosure proceedings. This means the entire unpaid balance will become due.
The Lender may take steps to terminate your ownership in the property by commencing a foredosure suit in a
court of competent jurisdiction and will be entitled to recover court costs and attorneys' fees in an amount not
to exceed that amount permitted pursuant to the Rules Governing the Courts of the State of New Jersey. Ifyou
curethe default by December 26, 2013, there will be no requirement to pay attorneys' fees and legal costs.
If the Lender commences a foreclosure action, you still have the right at any time, up to the entry of final
judgment or the entry by the court of an order of redemption, to cure the default, de-accelerate and reinstate the
loan. However, you wm be responsible for our court costs and attorneys' fees in an amount not to exceed that
amount pennitted pursuant to the Rules Governing the Courts of the State ofNew Jersey.
In any foreclosure proceeding, you have the right to assert the non-existence of a default or any other defense
that you may have to acceleration and the salc.ofthe ptoperty.
You may have the right to transfer the prqperty to another person subject to the terms within the above
referenced security interest and promissory note it secures, and the transferee may have the right to cure the
default and assume the loan. Please refer to your note and Security Instrument or contact CitiMortgage atthe
address and phone number listed above to determine if your foa11 is assumable.
You are advised to seek counsel from an attorney of your own choosing concerning your default situation. If
you are unable to obtain an attorney, you may contact the New Jersey Bar Association or La\\'}'er Referral
Service in the county in which the property is located. If you are unable to afford an attorney, you may
conunuriicate with the Legal Services Office in the county in which the property is located.
You may be eligible for homeownership counseling from one ofthe Department of Housing and Urban
Development ("HUD'') approved homeov.rnership counseling agencies. To obtain a list ofapproved counseling
agencies, please call (800) 569-4287 or visit http://www.hud.gov/offices/hsglsth/hcc/hcs.cf111. You may also
contact the Homeownership Preservation Foundation's Hope hotline at (888) 995-HOPE (4673). You may also
call CitiMortgage at 1-800-723-7906* (Monday through Friday 7 AM-11 PM CST, Saturday 7 AM-4 PM
CST, and Sunday 7 AM-7 PM CST) for infonnation regarding the HUD-approved homeownership counseling
agency nearest you or to discuss the circumstances of the default with one of CitiMortgage' s loan counselors.
TTY Services are also available. To access: Dial 711 from the United States or Dial 1-866-280-2050 from
Puerto Rico.
Y ot1 may be able to obtain financial assistance for curing the default from progran1s operated hy the state or
federal govt--rmnent or nonprofit organizations ideutified by the Commissioner of Banking and Insurance.
Enclosed is a list of agencies and organizations that may be able to ofter you financial assistance.
C!TINJDEMAND
Piigc 2 of5 71"1b "l(JOb 92'F 0736 4333
Are you concerned with how we've handled your account? Have you recently been declined for a modification
or a short sale and disagree with our decision? Call us at 1-877-435-3314* (Monday tll!ough Friday 7 AM- l 1
PM CST, Saturday and Sunday 7 AM-7 PM CST) or email us at: eru_support@citi.com***. You may also
contact us via mail at: CitiMortgage, Inc., P.O. Box 6243, Sioux Falls, SD 57117-6243.
Enclosures: Government and Non-Profit Counseling Entities List, Lavtyer Referral Services List
Sincerely,
CitiMortgage, Inc.
*Calls are randomly monitored and recorded to ensure quality service.
**Hours of operation provided reflect general hours for the Homeowner Support Specialist unit.
***If contacting CitiMortgage through email, please do not include confidential information.
CitiMortgage does not endorse any specific credit counseling agency and is providing this munber as a courtesy
to our customers. The counseling agencies listed are not affiliated with CitiMortgage.
This is an attempt to collect a debt and any information obtained will be use.cl for that purpose.
ClTL"iJDEMAND
Page 3 ofS
719b 90Db 9297 073b 4333
AMERICAN CREDIT ALLIANCE, INC.
26 South Warren Street
Trenton, NJ08608
Phone; l-609-393-5400
ATLANTIC HUMAN RESOURCES, INC.
l South New York Avenue
Atlantic City, NJ08401
Phone; 1-609-348-4131
CONSUMER CREDIT COUNSELING SERVICE
OF CENTRAL NEW JERSEY
1931 Nottingham Way
Hamilton, NJ 08619
Phone; l-609-586-2574
CONSUMER CREDIT COUNSELING SERVlCE OF
NEW JERSEY
185 Ridgedale Avenue
Cedar Knolls, NJ 07927-1812
Phone; 1-973-267-4324
FAIR HOUSING COUNSEL Of' NORTHERN NEW JERSEY
131 Main Street
Hackensack, NJ07601
Phone: l-201-489-3:552
GARDEN STATE CONSUMER CREDIT COUNSELING, INC.
225 Willowbrook Road
Freehold, NJD7728
Phone; 1-800-992-4557
JERSEY COUNSELING & HOUSING
DEVELOPMENT, INC.
29 South Blackhorse Pike
Blackwood, NJ08-012
Phone: 1-856-227-3683
JERSEY COUNSELING & HOUSING DEVELOPMHtr, fNC.
1840 South Broadway
Camden, NJ08 J 04
Phone; 1-856-541-1000
MERCER COUNTY HISP AJ\l"IC ASSOCIATION
200 E State Street, 2nd Floor
Trenton, NJ 08607
Phone; 1-609-392-2446
MIDDLESEX COUNTY ECONOM1C
OPPORTUNITlES CORPORATION
1215 Livingston Avenue
North. Brunswick, NJ 08902
Phone: 1-732-790-3344
MONMOUTH COUNTY HUMAN SERVICES
Housing Services Unit
PO Boll. 3000
Freehol.d, NJ 07728
Phone: 1-732-431-7998
NJ CITIZEN ACTION (main offtce(financial education center)
744 Broad Street, Suite 2080
Newark, NJ 07102
Phone: 1-973-643-8800
Toll-free: 1-800-NJ-0\VNER (Loan Counseling)
Toll-free: 1 -888-TAXES-l J (Free Tax Preparation Assistance)
NJ CITIZEN ACTION {Central Jersey)
85 Raritan Avenue, Suite 100
Highland Park, NJ 08904
Phone: 1-732-246-4772
NJ CITIZEN ACTION (South Jersey)
2 Riverside Drive, Suite 362
Camden, NJ 08103
Phone: 1-856-966-3091
OCEAN COMMUNITY ECONOMJC ACTION NOW, INC.
22 Hyer Street
Toms Riv-er. NJ 08753-0773
Phone: 1-732-244.:2351, extension 2
PATERSON COALITION FOR HOUSING, INC.
262 Main Street, 5th Floor
Paterson. NJ07505
Phone: 1-973-684-5998
PATERSON TASK FORCE FOR COMMUNJTY ACTION, INC
155 Ellison Street
Paterson, NJ 07505
Phone: 1-973-279-2333
PUERTO RICAN ACTION BOARD
HOUSING COALITION UNlT
90 Jersey Avenue
New Bnmswick, NJ 08901
Phone: 1-732-249-9700
TRI-COUNTY COMMUNITY ACTION AGENCY, INC.
l IO Cthansey Street
Bridgeton, NJ 08302
Phone: 1-856-451-6330
URBAN LEAGUE FOR BERGEN COUNTY
106 West Palisade Avenue
Englewood, NJ07631
Phone: 1-201-568-4988
URBAN LEAGUE OF ESSEX COUNTY
508 Central. Aveuue
Newark, NJ 07101
Phone: l-973..()24-9535
URBAN LEAGUE OF UNION COUNTY
288 North Broad Street
Elizabeth, NJ07208
Phone: 1-908-,351-7200
HOl\1:ELESSNESS PREVENTION PROGRAM
New Jersey Department of Community Affairs
Toll.-frcl.': 1-866-889-6270"'
Basic digibi!iiy h limited to: (a) single family ownerloccupied dwellings all those on the Deed ;md Mortgage occi1pyiog the house; {b} no more tlmn Gne
mortgage or lien eru:umbrnnc.; on the (c) no initiated or ongoing bankmpKji. Assistance m the form of a k>an, and a lien will be placed m1 the
property. The family must document the tlmmcial reason. for nonpaymen.t. At the time oflhe eligibility decision, the household nmst haw ;md document wfficient
income to support the household and repay the loan. There is a f1.-"C for tbe credit check and property search.
This listing is cU!Ten.t as of08/14/2013 and retrieved from: ""ww.stat:e.uj.us!dobildivi.sion consumerslfinanceicounselors.html
ClTINJDEMAND
Page 4 of5
7196 9006 9297 0736 4333
Atlantic County Bar Association
1201 Bacharach Boulevard
Atlantic City, NJ 08401
609-345-3444
E-Mail: Tamara.Lamb@atcobar.org
Internet: 'lvw1v.atcobar .org
Bergen County Bar Association
15 Bergen Street
Hackensack, NJ 0760 I
201-488-0044
Internet: www.bergenbar.org
Burlington County Bar Association
45 Grant Street
Mount Holly, NJ 08060
609-261-4862 or 609-261-4863
Email: bcba@burlcobar.org
Internet: www.burlcohar.org
Camden County Bar Association
1040 North Kings Highway, Suite 201
Cherry Hill, NJ 08034
8 56-482-0618
Internet: www.camdencountybar.org
Cape May County Bar Association
9 North Main Street
Cape May Court House, NJ 08210
609-463-03 I 3
E-Mail: cmcba@comcast.net
Cumberland County Bar Association
PO Box 2374
Vineland, NJ 08362
856-453-7000
E-Mail: info(4cumbnjbarassoc.org
Internet: www .cumbnjbarassoc.org
Essex County Bar Association
470 Martin Luther King Jr. Boulevard
Newark. NJ 07102
973-533-6775
E-mail: info@e.<Jsexbar.com
IntL"fnet: www.esse,xbar.com
Exec. Dir.: Wendy E. Deer
ClT!NJDEMAND
Page 5 of5
Gloucester County Bar Association
PO Box 338
Woodbury, NJ 08096
856-848-4589
Email: baroffice@gcbanj.org
Internet: www.gcbanj.org
Hudson County Bar Association
583 Newark A venue
Jersey City, NJ 07306
201-798-4708
Internet: www.hcbalaw.com
Hunterdon County Bar Association
PO Box573
Annandale, NJ 08801
908-236-6109
E-mail: director@Jmntcolaw.org
Internet: www.huntcolaw.org
Mercer County Bar Association
l 245 Whitchorne-Mercerville Road,
Suite 420
Mercerville, NJ 08619
609-585-6200
E-mail: ebrennan@mercerbar.com
Internet: www.mercerbar.com
MlddJesex County Bar Association
87 Bayard Street
New Brunswick, NJ 08901
732.,828-0053 ext. 100
E-mail: admin@mcbalaw.com
Internet: www.mcbalaw.com
Exec. Dir.; Jonathan P. Cowles
Monmouth Bur Association
Monmouth County Court House
Freehold, NJ 07728
732-431-5544
Email:
tmadewlc1.munmouthbar@verl:ron.net
Internet:
l\'1Vw.nrnnmonth barassodation.com
:\'I.orris County Bar A.,sociation
28 Schuyler Place
Morristown, NJ 07960
973-267-5882
Email: yperez@morriscountybar.com
Internet: www.morriscountybar.com
Ocean County Bar Association
PO Box 381
Toms River, NJ 08754
732-240-3666
Email: karJn@oceancountybar.org
lntemet: www.oceancountybar.org
Passaic County Bar Association
401 Grand Street, 3rd Floor
Paterson, NJ 07505
973-345-4585
Internet: www.passaicbar.org
Salem County Bar Association
856-935-5629
Internet: www.salemcountybar.org
Somerset Count}' Bar Association
20 North Bri-Oge Street HCH 325
Somerville, NJ 08876
908-685-2323
Email.: cawinder@somersetbar.com
Internet: www.somersetbar.com
Union County Bat Association
2 Broad Street lst Floor
Elizabeth, NJ 07207
908-353-4715
Internet: www.uclaw.com
Warren County Bar Association
413 Second Street
Belvidere, NJ 07823
908-387-1835
Email: warrencountybar@yahoo.com
7l9b 900b 9297 073b ~
Cit!Mortgage, Inc,
PO Box9090
Temecula, CA 92589"9090
Send Payments to:
CitiMortgage, Inc,
P.0, Box 183040
Columbus, OH 43218-3040
lllrlll llllllllUH I
2278890805
20131121-168
''11ll1ullllh'''1Hll1'l1111
1
1
1
nllHl
11
111111l1'
JYLL S JAKES
12 SOUTH ST
SEA BRIGHT, NJ 07760-2129
PR.ESORT
FlrstClass Mail
U.S. Postage and
Fees Paid
wso
CITINJOEMAND
CitiMortgage
ll/21/2013
JYLL S JAKES
12 SOUTH ST
SEA BRlGHT, NJ 07760-2129
Sent via Certified Mail, Return Receipt Requested and First Class Mail
RE: Security Instrument Dated:
Original Amount Due:
Property Address:
CitiMortgage Loan #:
0711512005
$3-00,000.00
12 SOUTH STREET
SEA BRlGHT, NJ 07760
0650171620
www.citimortqage.mm
NEW .JERSEY NOTICE OF DEFAUI,T AND INTENTION TO FORECLOSE
Dear Customer(s):
THE ABOVE REFERENCED LOAN IS IN DEFAULT. Payments for 08/01/2010 tluough l l/Ol/2013 have
not been made a.<: required by the note and mortgage, deed of trust, security agreement or security deed (the
"Security Instnunent") on the referenced property. Refer to the note and Security Instrument for additional
information. ff you have filed for bankruptcy protection.. this notice is provided to you for compliance and
infonnational purposes and is not an attempt to collect a debt from you (deficiency or otherwise) or in any way
violate the provisions ofthe United States Bankruptcy Code.
Name of Lender:
Address of Lender:
Name of Servicer fot Lender:
Telephone Number of Servicer (Representative of Lender):
CITIMORTGAGE .. INC
1000 TECHNOLOGY DRIVE
O'FALLON, MO 63368
CitiMortgage, Inc.
J-800-723-7906*
You have the right to cure the default. To cure the default you must pay the past due amount of$68,963.48 by
December 26, 2013 (or the next business day thereafter if December 26, 2013 is a Saturday, Sunday, or
Federa.I holiday). The past due amount on the date of this notice is specified below:
Payments: $66,523.62
Late Charges: $2,048.36
Delinquency Expenses
0
Property Inspection: $391.50
r ~ ~ 6, 2013 CittMortgaqe, Inc. CitiMortgage, Inc does businessasOticorp Mortgage in NM. Ci!iMortgage, Inc, is an equal hou&ing lender. Citi. Arc Design. and Citi and
~ ~ Arc Design are reqistered s r v i ~ marks of Citigroup 111c. calls are randomly monitored and recorded for Quality assurance. CitiMorto;iage is a debt collector and
....... any information obtained will be used for that purpose.
ClTINJDEMAND
Page J of5 2278890805
Any additional monthly payments and late charges that fall due by December 26, 2013 must also be paid to
bring your loan current. You must send your payment to:
CitiMortgagc, Inc.
MarkAntho11y Hartlartd
P.O. Box 183040
Columbus, OH 43218-3040
1-877-362-0175*
If you disagree with the assertion that a default has occurred or with the amount required to cure the default,
please contact MarkAnthony Hartland at the address and phone nurriber listed above or the Lender's
Representative at the phone number listed on Page 1 of this letter. When you contact CitiMortgage, please
refer to your loan number: 0650171620.
You must cure the default by December 26, 2-013 to avoid acceleration of all sums due under the Security
Instrument and initiation of foreclosure proceedings. This means the entire unpaid balance will become due.
The Lender may take steps to terminate your ownership it1 the property by commencing a foreclosore suit in a
court of competent jurisdiction and will be entitled to recover court costs and attorneys' foes in an amount not
to exceed that amount pernritted pursuant to the Rules Governing the Courts of the State of New Jersey. If you
cure the default by Decernber 26, 2013, there will be no requirement to pay attorneys' fees and legal costs.
If the Lender commences a foreclosure action, you still have the right at any time, up to the entry of final
judgment or the entry by the court of an order of redemption, to cure the default, de-accelerate and reinstate the
Joan. However, you will be respon.<;ible for our court costs and attorneys' fees in an amount not to exceed that
amount pernritted pursuant to the Rules Governing the Courts of the State ofNew Jersey.
In any foreclosure proceeding, you have the right to assert the non-existence of a default or any other defense
that you may have to acceleration and the sale of the property.
You may have the right to transfer the property to another person subject to the terms within the above
referenced security interest and promissory note it secures, and the transferee may have the right to cure the
default and assume the loan. Please refer to your note and Security Instrument or contact CitiMortgage at the
address and phone number listed above to determine if your Joan is assumable.
You are advised to seek counsel from an attorney of your own choosing concerning your default situation. lf
you are unable to obtain an attorney, you may contact the New Jersey Bar Association or Lawyer Referral
Service in the county in which the property is located. If you are unable to afford an attorney, you may
cornmunicate with the Legal Services Office in the county in which the property is located.
You may be eligible for homeownership counseling from one of the Department of Housing and Urban
Development ("HUD") approved homeownership counseling agencies. To obtain a list of approved counseling
agencies, please call (800) 56.9-4287 or visit http://www.hud.gov/offices/hsg/sfu/hcc/hcs.cfm.You may also
contact the Homeownership Preservation Foundation's Hope hotline at (888) 995-HOPE (4673). You may also
call CitiMortgage at 1-800-723-7906* (Monday through Friday 1 AM- 11 PM CST, Saturday 7 AM-4 PM
CST, and Sunday 7 AM,. 7 PM CST) for information regarding the HUD-approved homeownership counseling
agency nearest you or to discuss the circumstances ofthe default with one ofCitiMortgage's loan counselors.
TTY Services are also available. To access: Dial 711 from the United States or Dial from
Puerto Rico.
You may he able to obtain financial assistam::e for curing the default from programs operated by the state or
federal government or nonprofit organiwtions identified by the Commissioner of Banking and Insurance.
Enclosed is a list of agencies and organizations that may be able to offer you financial assistance.
ClT!NJDEMAND
Page 2 of5 2271Hi90805
Are you concerned with how we've handled your account? Have you recently been declined for a modification
or a short sale and disagree with our decision? Call us at I-877-435-3314* (Monday through Friday 7 AM-11
PM CST, Saturday and Sunday 7 AM-7 PM CST) or email us at: eru_support@dti.com***. You may also
contact us via mail at: CitiMortgage, Inc., P.O. Box 6243, Sioux Falls, SD 57117-6243.
Enclosures: Government and Non-Profit Counseling Entities List, Lawyer Referral Services List
Sincerely,
CitiMortgage, Inc.
*Calls are randomly monitored and recorded to ensure quality serviee.
**Hours of operation provided reflect general hours for the Homeowner Support Specialist unit.
***If contacting CitiMortgage through email, please do not include confidential information.
CitiMortgage does not endorse any specific credit counseling agency and is providing this number as a courtesy
to our customers. The counseling agencies listed are not affiliated with CitiMortgage.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
ClTL'lJDEMAND
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AMERICAN CREDIT ALLIANCE, INC.
26 South Warren Street
Trenton, NJ08608
Phone; 1-609393-5400
ATLANTIC HUMAN RESOURCES, INC.
I South New York Avenue
Atlantic City, NJ0840 I
Plwnc: l-609-348-4131
CONSUMER CREDIT COUNSEUNG SERVICE
OF CENTRAL NEW JERSEY
1931 Nottingham Way
Hamilton, NJ 08619
Phone: 1-609-586-2574
CONSUMER CREDIT COUNSELING SERVICE OF
NEW JERSEY
185 Ridgedalc Avenue
Cedar Knolls, NJ 07927-1812
Phone: 1-973-267.4324
FAIR HOUSING COUNSEL OF NORTHERN NEW JERSEY
131 .Main Street
Hackensack, NJ0760l
Phone; l-201-4893552
GARDEN STATE CONSUMER CREDrf COUNSELING, INC.
225 Willowbrook Road
Freehold, NJ07728
Phone; 1-800-992-4557
JERSEY COUNSELING & HOUSING
DEVELOPMENT, INC.
29 South Blackhorse
Blackwood, NJ08012
Phone: 1-856-227-3683
JERSEY COUNSELING & HOUSING DEVELOPMENT, fNC.
1840 South Broadway
Camden, NJ08 l 04
Phone: 1-856-541-1000
MERCER COUNTY HISPANIC ASSOCIATION
200 E State Street, 2nd Floor
Trenton, NJ 08607
Phone: J-609-392-2446
MIDDLESEX COUNTY ECONOMIC
OPPORTUNITIES CORPORATION
1215 Livingston Avenue
North Brunswick, NJ 08902
Phone: 1-732-7903344
MONMOUTH COUNTY HUMAN SERVICES
Housing Services Unit
PO Box 3000
Frcehol.d, NJ 07728
Phone: 1732-4317998
NJ CITIZEN .ACTION (main ojflce(flm:mcial t!dttcation center)
744 Broad Street, Suite 4080
Newark, NJ 07102
PhQne: 1-973-643-8800
Toll-free: l-800-NJ-OWNER (Loan Coonse ling)
Toll-free; 1-888-TAXES-l 1 (Free Tax Preparation Assistance)
NJ CITIZEN ACTION (Central J<1rscy)
85 Raritan Avenue, St<ite l 00
Highland Park, NJ 08904
Phone: I 732-246-4 772
NJ CffIZEN ACTION (South Jersey)
2 Riverside Drive, Suite 362
Camden, NJ 08103
Phone: 1-856-966-3091
OCEAN COMMUNITY ECONOMIC ACTION NOW, INC.
22 Hyer Street
form; River, NJ 087530773
Phone; 1-732-244-2351, extension 2
PATERSON COALlT!ONFOR HOUSING, INC.
262 Main Street, 5th Floor
Paterson .. NJ07505
Phone: J-973.6845998
PATERSON TASK FORCE !:'OR COMMUNITY ACTION, INC
155 Ellison Street
Paterson, NJ 07 505
Phone; 1-973-279-2333
PUERTO RICAN ACTION BOARD
HOUSING COALITION UNIT
90 Jersey Avenue
New Brunswick, NJ 08901
Phone: l-732-249-9700
TRI-COUNTY COMMUNfTY ACTION AGENCY, INC.
110 Cohansey Street
NJ 08302
Phone: 1-856-451-6330
URBAN LEAGUE FOR BERGEN COUNTY
106 West Palisade Avenue
Englewood, NJ0763 l
Phone: l-201-568-4988
URBAN LEAGUE OF ESSEX COUNTY
508 Central. Avenue
Newark. NJ 07101
Phone: 1973-624-9535
URBAN LEAGUEOFUNlON COUNTY
288 North Broad Street
Elizabeth, NJ07208
Phone:
HOMELESSNESS PREVENTION PROGRAM
New Jersey De.partrnent of Community Affairs
Toll-free: l-866-889-6270 *
Basic eligibility is limited to: (a} single family ow11er/()(,'CU!Hed dwellings with all those on the Deed imd Mortgage occupying the house; (b} no rrklre than one
mortgage or l.ien on the property; (c) uo initiated or ongoing bankmptey. Assistance will be in the form ofa loon, and a lien wm be placed on the
property. T11c family mu:;t document the financial reason for nonpayment. At the time of the eligibility deciston,. 1h11 houschoJd must have and dwum.:nt sufficient
income to 8t1pport the household and repay the loan. There is a fee for the credit check and pmperty sr.arch.
This listing is current as of 08/14/2013 and retrieved from: wviW.state.ni.us!dobiidivi.sion consumersthlllncc!counsclornJ1tml
CITINJDEMAND
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201781.1901.105
Atlantic County Bar Association
120 l Bacharach Boulevard
Atlantic City, NJ 08401
609-345-3444
E-Mail: Tamara.Lamb@atcobar.org
Internet: ww'\v.atcobar.org
Bergen County Bar Association
15 Bergen Street
Hack<.'!lsack, NJ 0760 I
201-488-0044
Internet: www.bergcnbar.org
Burlington County Bar Association
45 Grant Street
Mount Holly, NJ 08060
609-261-4862 or 609-261-4863
Email: bcha@burlcohar.org
Internet: www.burlcobar.org
Camden County Bar Association
1040 North Kings Hi.ghway, Suite 201
Cherry Hill, NJ 0&034
8 56-482-0618
Internet: w'vw.camdencountybar.org
Cape May County Bar Association
9 North Main Street
Cape May Court House, NJ 08210
609-463-0313
E-Mail: cmcba@comcast.net
Gloucester County Bar Association
PO Box 338
Woodbury, NJ 08096
856-848-4589
Email: baroffice@.gcbanj.org
Internc,t: www.gchanj.org
Hudson County Bar Association
583 Newark Avenue
Jersey City, NJ 07306
201-798-4708
Internet: www.l1cbalaw.com
Hunterdon County Bar Association
PO Box573
Annandale, NJ 08801
908-236-6 !09
E-rnai I: director@Jmntcolaw.org
Internet: www.huntcolaw.org
Mercer County Bar Association
1245 Whitehorse-McrccrviUc Road,
Suite 420
Mercerville, NJ 08619
609-585-6200
E-mail: cbrennan@mercerbar.com
Internet: www.mercerbar.com
Middlesex County Bar Association
87 Bayard Street
New Brunsviek, NJ 08901
732-828-0053 ext. 100
Cumberland County Bar Association E-mail: admin@mcbalaw.com
PO Box 2374 IJ:iternct: www.mcbalaw.com
Vinci.and, NJ 08362 l
Exec. Dir.: Jonathan P. Cow es
856-453-7000
E-Mail: info(f!J.cumbnjbarassoc.org
Internet: www.cumbnjbarassoc.org
Essex County Bar Association
470 Martin Luther King Jr. Boulevard
Newark NJ 07102
973-533-6775
E-mail: info@essexbar.com
Internet: www.esscxbar.com
Exec. Dir.: Wendy E. Deer
ClTIN.IDEMAND
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Monmouth Bar Association
Monmouth County Court House
Fre.ehold, NJ 07728
732-431-5544
Email:

Internet
l'l'ww.monmouthbarassodati<ln.com
'.\forris County Bar Association
28 Schuyler Place
Morristown, NJ 07960
973-267-5882
Email: yperez@morriscountybar.com
Internet: www.morriflcountybar.com
Ocean County Bar Association.
PO Box 381
Toms River, NJ ()8754
732-240-3666
Email: karin@oceancountybar.org
Intern et: 'Wl\'W .oceancountybar .org
Passaic County Bar Association
401 Grand Street, 3rd Floor
Paterson, NJ 07505
973-345-4585
Internet: www.passaicbar.org
Sal.em County Bar Association
856-935-5629
l.ntern et: www.salemcountybar.org
Somerset County Bar Association
20 North Bridge Street HCH 325
Somerville. NJ 08876
908-685-2323
Email: cawinder@somersetbar.com
In tern et: WVl-'W .somersetbar .com
Union County Bar Association
2 Broad Street 1st Floor
Elizabeth, NJ 07207
908-3534715
Internet: www.uclaw.com
Warren County Bar Association
413 Second Street
Belvid.erc, NJ 07823
908-387-1835
Email: warreni:ountybar@yahoo.com
BALLARD SPAHR LLP
By: Martin C. Bryce, Jr., Esquire (I.D. # 21241990)
Christopher N. Tomlin, Esquire (I.D. # 012342007)
Michele C. Ventura, Esquire (l.D. # 022372011)
210 Lake Drive East, Suite 200
Cherry Hill, NJ 08002
Telephone: 856.761.3400
Facsimile: 856. 761.1020
Attorneys for Plaintiff,
CitiMortgage, Inc.
CITIMORTGAGE, INC.,
Plaintiff,
v.
JYLL JAKES, et al.,
Defendants.
SUPERIOR COURT OF NEW JERSEY
CHANCERY DIVISION
MONMOUTH COUNTY
DOCKET NO. F-17294-14
CIVIL ACTION
CERTIFICATE OF SERVICE
I certify that on this day, I caused the foregoing Plaintiffs Requests for
Admission Addressed to Defendant, to be served by Federal Express on the attorney of record
identified below:
Kenneth Rosellini, Esq.
636A Van Houten Avenue
Clifton, New Jersey 07013
Attorney for Defendant,
Jyll Jakes
DATED: October 14, 2014
DMEAST #19995270 v1
Christopher N. Tomlin