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Home My WebLink About96-05997 Conti mortgage Corporation vs Robert J. Gardner and Donna L. Gardner In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 1996.5997 Kristen Mertz, Deputy Sheriff, who being duly sworn according to law, says on April 3, 1997 at 5:21 o'clock P,M" E.S:r., she posted the property of Robert 1. Gardner and Donna L. Gardner at 317 Erford Road, Camp Hill, Cumberlund County, Pennsylvania with a copy of Real Estate Writ Notice, Poster und Description aecording to law, Michael Barrick, Deputy Sheri/I, who being duly sworn uccording to law, says on April 24, 1997 at 8:02 o'clock P,M., E.D.S.T" he served true copies of Real Estate Writ, Notice, Poster and Description in the above entitled action upon one of the within named defendants, to wit: Robert J, Gardner, by making known unto Donna L. Gardner Wile of Robert J, Gardner at 45 South Point Drive, Enola, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same, Kristen Mertz, Deputy Sheriff who being duly sworn according to law, says on February 24, 1997 at7: 15 o'clock P,M" E.D.S,T" she served true copies of Real Estate Writ Notice and Description in the above entitled action upon one of the within named defendants, to wit: Donna L. Gardner by making known unto Donna L. Gardner at 45 South Point Drive, Enola, CumberlWld County, Pennsylvania its contents and at the same time handing to her personally the said true and attested copies of the same, Steven Whisler, Deputy Sheriff, who being duly sworn according to law, says on April 10, 1997 at 7:22 o'clock P,M" E.D.S.T" he served true copy of Real Estate Poster, in the above entitled action upon one of the within named defendants, to wit: Donna L. Gardner by making known unto Donna L. Gardner at 45 South Point Drive, Enola, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and attested copies of the same, R, Thomas Kline, Sheriff, who being duly sworn according to law says that he served Real Estate Writ, Notice Poster and Description in the following manner: The Sheriff mailed one of the within named defendants, to wit: Robert J, Gardner a notice of the pendency of the action by regular mail to his last known address at 45 South Point Drive, Enola, Pennsylvania 17025. This letter was mailed under the date of April 25, 1997, R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served Real Estate Writ, Notice Poster and description in the following manner, The SherilI mailed one of the within named defendants, to wit: Donna L. Gardner a notice of the pendency of the action by regular mail to her last known address at 45 South Point Drive, Enola, Pennsylvania 17025, This letter was mailed under the date of April 25, 1997 R. Thomas Kline, Sherin: who being duly sworn according to law, says that after due and legal notice had been given according to law exposed the within described premises at public venue or outcry at the Court House, Curlisle, Cumberlund County, Pennsylvunia on June 4, 1997 at 10:00 o'clock A.M" E,D.S:r.,lInd sold the same for the sum 0/'$1.00 to Allorney Dinney lor Conti Mortgage Corporation It successors and ussigns ut 50n Enterprise Road Horsham Pa, 19044, It being highest bid and the best price releived lor the same ContiMllrtgage Corporatiol], Its successors and ussigns being the buyer in this Execution puid Sheriff R. Thomas Kline the sum of$761.79, it being pounduge, stumps etc. Sheriffs Costs listed below. See attached distribution sheet for additiol1ul costs, . ..."" SHEA AND SHEA Attorney ID No. 37350 By: Michael S. ~inney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 Attorney tor Plaintitt -------------------------------~---------------------------------- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION . . No. 96-5997 Plaintiff vs. . . . . nOBERT J. GARDNER AND ~OMNA L. a~~~NE~ . . Defendants : AFFIDAVIT Plaintiff in the above action by its attorney, MichaelS. Dinnoy, Esquire, sets forth as of June 5, 1996 the following informaticm concerning the real property located at 317 Erford Road, East Pennsboro Township, Cumberland County, ~A. 1. Name and address of owners: Robert J. Gardner and uunna L. Gardner 33.7 Erford Road Camp Hill, PI. 17011 2. Name and address of defendants: Robert J. Gardner and Donna L. Gardner 317 Erford Road C:"mp Hill, PI. 17011 3 . Name and address of every judgment creditor whose judgment is a record li~n on the real property to be sold: None. you may calli Michaol S. oinney, Esquire at (610) 527- 4000. 2. You may be able to stop the 8ale by tiling a petition 8sking the court to strike or open the judgment, if the judgment was imprnperly entered. You may also ask the Court to postpone tho solo tor good C8use. J. You may also be ablo to stop the 8ale through other legal proceedings. You m8Y need an attorney to assert your rights. The sooner you contact one, the more chanco you will have of stopping the sale. (See notice on page throe on how to obtaJ.n an attorney). yOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheritf's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Michael S. Oinney, Esquire at (610) 527-4000. 2. You may be able to petition the Court to set aside the sale if tho bid price was grossly inadequate compared to the valuo of your property. J. 1'h~ solo will go through ".,ly if tl'r. buyer pays the Shoriff the full amount due in the sale. To find out if this has happened you may call Michael S. Dinney at (610) 527-4000. 4, I f the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the eale never happened. July 7, 1997. This schedule will state who will be 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. YoU may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on receiving that money. The money will be paid out in accordance with the schedule unless exceptions (reasons show why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after July 7, 1997. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th Floor cumberland county courthouse One courthouse square Carlisle, PA 17013 (717) 240-6200 - ALL THAT CERTAIN tract or plrcel of land situate In East Pannsboro Township, Cumberland County, Penn.ylvlnil, more particular bounded and described as tollows. to wit: I . BEGINNING It . point on the Weltern right-of-way IIno of Erford Road (60 foot right-of-way) It the dividing IIn. of L.ot No, 7 and Lot No, B; thence by aforementioned dividing line South 62 d.gr... 14 mlnutl' 17 uconds Welt 110 feet to a paint on now or former:y, other lands of Hom..tead Group, Inc., thence by aforementioned lands North 27 degrees 45' minutes 45 IIcond. Wilt 90,1515 feet to a point on the Southern rlght.of-way line of Victoria Way (50 foot rlght-of-wlY); thence by aforementioned right-of-way line by a curve to the left having a radius of 3215 f..t .nd .re '.ngth of 18,97 feet to B point; thence by same North 62 degrees 14 mlnutel 17 leeondl Ealt 78.04 feet to a point; thence by same by a curve to the right having a radlu. of 16 f..t an arc length of 23.36 feet to a point on the Western right-of-way line of Erford ROld (60 foot r1ght-o'-Way): thence by aforementioned right-of-way South 27 degrees 43 minute. 43 IIcond. Ea.t 75 teet to a point being the point of BEGINNING, BEING Lot No, 8 I' shown 0'1 a Final Subdivision Plan ofVlctoria,Gten, Section I, recorded In Plln Book '-8, plge 62. . UNOER and SUBJECT to all applicable restrictions, reservations, easements and rights-of-way of record,' . BEING the eame premises which by Indenture bearing date on 2/22/90 and recorded at the office for the Recording of Deeds. In and for the County of Cumberland on 12/14/92 In Deed Book No, A-38, page 792 etc., granted and conveyed unto Robert J Gardner and Donna L, Girdner, hil wife In fe", ' . SI~I Zr.o in execution and to be sold as the property of Robert J. Gardner and Donna L. Gardner. ReeJdentiaJ. property PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No, 587, upproved Muy 16, 1929), P. L,I784 STATE OF PENNSYLVANIA : 55, COUNTY OF CUMBERLAND : ROller M. Morgenthnl, Esquire, Editor of the Cumberlund Luw Journul, of the County und Slllte uforesuld, being duly sworn, uccording to luw, deposes und suys thutthe Cumberlund Law Journul, u legul periodicul published in the Borough of Curlisle In the County and Stute uforesuid, was estubllshed Junuary 2, 1952, und deslgnuted by the locul courts us the officiul Iegul periodlcul for the public uti on of ulllegul notices, und hus, since Junuary 2, 1952, been regularly issued weekly In the suid County, und thutthe printed notice or publlcutlon uttuched hereto Is exuctly the sume us wus printed in the regulur editions and issues of the said Cumberland Law Journal on the following dates, viz: APRIL II. 18.25. 1997 Affiant further deposes that he Is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he Is not interested in the subject maller of the aforesaid notice or advertisement, und tllat all allegations in the foregoing statements as to time, pluce and churucter of publication ure true, R&AL hTA11!: IIAUI: NO.7 ~71/!/l-- Roger M, Morgenthal, Editor Wrtl No. 00-5997 CIVIl ConfJmort#{Il#{(" Curporullon VR. HulX'rl.J, Gnnlr1t'r IIl1d II (Jonnll I.. Ounlnrr ::; Auy,: Mlrhurl S. Ulnflry NoL TI'AT CEIlTAlN l<neln, JIll" er! of land eUulllr In EmU'Tunlllx,") TCrn.1IlihIIJ, CUllllx'rlillld County. Penn- NylvUlltn. IIlurr pilrllflllnr bUlllulcd ullcI dt'HI'rlbt"tluN rulJnw~. In WII: , [Jf~GINNING lit II pullll UII tllr \\rslrrll r1f.tht.uf.way 1I11t" uf I;> ~ I Hone! (00 !iJUI rIUhl'(jf,wHyl l;t ;IJ~:' dl\1dJu#{ UrIC' uf I..ul No.7 1II1l1l.o1 ~C1 H; Ihrllrr by UIiIfC'IlII"IIJllllt'll cIJvlc,i"u line SOUUl U2 clt'/o:rrrH I,. 1I1111tllc's 17 Nt'('und!'l Wr!'lt II () fc'c'l In n pnllli nn nnw nr furmrrly, Ulht'r 1.llltl.'1 flf lIulllrRh'lul OmllJl, hit", Ihc'IlI'r h". llfull'lIlrnllnnrd 'ulld!'l Nurth 'J.7 ,,,. ~rrt'H 41": I ( t ,J IIII11I1C'J1 .If) HC'I'UlldJ1 \\'c'!'I1 SWORN TO AND SUBSCRIBED before me this ~dllY of APRIL, 1997 p. ". , ....~ "", / .-r' (')'.o/ ~n;ar.j,)-,,)' ,zJ/~ NOTARlALSl!AL LOIS f SNVnEA. _'ll'ublk Co~ldo 10.0, Cumboriood C....ty. PA lA, Commi...on hptto, Mutch 5, 200 I - -- , ...,- Proof of Publication of Notite In The Patriot and The Evening News and The Sunday Patriot-News trader ."et No. af, ,\pproud lUay Ie, 1028. Commonwealth 01 Ptnn8/11vnnia, } COllnty 01 Dal/phin RR : ...,..,..................,..J!~.9.!:\!!,'!l,L~!9.r.,r.9.~....................,..,..beInl\' duly sworn according to law, deposes and says: Asst. Controller That he Is the ..,....,....,........,......of THE PATRIOT - NEWS CO., a corporation organized and existing under the lawa of the Commonwealth of Penns)'lvanla, with Its principal office and place of business at 812 to 818 Market Street, In the City of Harri.burg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT and THE EVENING NEWS and the SUNDAY PATRIOT.NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, In the City, County and State aforesaid; that THE PATRIOT and THE EVENING NEWS and the SUNDAY PATRIOT. NEWS were established March 4th, 1854, and February 15th, 1917 and September 18th, 11149, respectlve1y, and all have been continuously published ever since; That the printed notice or publication which Is securely attached hereto Is exactly as printed and /Metro West 29th day of April and published In their regular editions and Issues which appeared on the ..............,......,............'..........'..,........, the 6th and 13th days of May 1997. ........................................................................................................................................................................................ That neither he nor said Company Is Interested In the subject matter of said printed 1I0tice or adver- tising. and that all of the allegstions of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify thla atatement on behalf of The PatrIot-News Co, afore(ld by virtue and pursuant to a resolu- tion unanimously passed and adopted severally by the stoth ders and board of directors of the said Compan~ and subsequently duly re.:orded In the office for th R or[ng 0 Deeds In and for said Count)' " n..p J, I, :'if;" .... ..... '"'~~:::=:=::: . L:y\ito.~J........ atIon Sworn to and subBcribed ore m<<y ~. ,!:I.9........day of J, June / . , .............. .., /"./ /' -/ ~~ ' 'Ii L..l:1l:11 if5";:: .. , ,.."."oir.:~....,.. ....,'....' ~';:rrllb.Hg. Dauphin DUnt~iC, Notary Pu he My . ~~.'~!!.~,.).~.. ..,..............,...... .......~~~ Statement 01 Aavertlsing Costs C).\roJ;lf~.r;l~n.Q...t;Q).\n,t;:i..,~lu:h,HJ.li..,QUJ,I1.~" Carlisle PA. 17U13 ..............(................................................................... To THE PATRIOT-NEWS CO" Dr, For publishing the notice or publication attached hereto on the 219.71 above stated dates. $............,..........,.... Probating same $....,..,..~.:!~..:'~~.., Total $..........,............,..,. Publisher's Receipt for Advertising Costs THE PATRIOT-NEW!> CO" publisher of TilE PATRIOT and THE EVENING NEWS and the SUNDA Y PATRIOT.NEWS, new"pUperB of general circulation, hereby acknowledge receipt of the aforesaid notice and publication eosts and certifies that the same have been duly paid, TilE PATRIOT-NEWS CO, Ry .,.................,................................................................. REAL ESTATE SALE NO 7 $1,000,00 Advance Costs Paid 2-24-97 Atty, Michael S. Dinney Assessed Valuation $ 12,090.00 WRIT NO, 1996-5997 Civil Contimortgage Corporation VS Robert J. Gardner and Donna L. 317 Erford Road .. C;amp Hill, Pa. 17011 Gardner REAL DEBT INTEREST A TT'S FEES WRIT COSTS A TTY ESCROW LATE CHARGE SHERIFF'S COSTS Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library County Mileage Cert Mail Levy Postpone Sale Surcharge 174,281. 61 109.30 30.00 14.94 15.00 15.00 30.00 10.00 .50 1.00 39.68 3.63 15.00 6.00 Legal Search ADVERTISING: Law Joumal Patriot Share of Bills Distribution of Proceeds Sheriffs Deeds STAMPS Pa. Translcr Tax Twp or Boro Transfer Tax TAXES 282.50 220.71 28.83 25.00 24.50 SHEA AND SHEA Attorney 10 No. 37350 By: Michael S. Dinney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 Attorney for plaintiff ------------------------------------------------------------------ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTI MORTGAGE CORPORATION . . . . No. 96.'5997 Plaintiff . . vs. ROBERT J. GARDNER AND DONNA L. GARDNER Defendan'Cs NOTICE OF SHERIFF'S SALE OF REAL ESTATE UNDER PENNSYLVANIA RULE OF CIVIL PROCEDURE 312~ TO: All Interested Parties and Claimants The law requires this Notice be sent to you because you may have an interest in or a lien on the real estate which is the subject of this Sheriff's Sale. affected by the Sheriff's Sale. The real estate situate at 317 Erford Road, Camp Hill, East Your interest or lien may be Pennsboro Township, cumberland County, Pennsylvania, is scheduled to be sold at Sheriff's Sale on Wednesday, June 4, 1997 at 10:00 A.M. prevailing time, in the cumberland county Courthouse, South Hanover street, carlisle, pennsylvania, to enforce the Court Judgment of $174,281.61 obtained by contiMortgage corporation, holder of the first mortgage, against the above defendants. The real estate being sold is all that certain messuage and tract or piece of land, with the buildings and improvements thereon erected, ALL THAT CERTAIN tract or parcel of land situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particular bounded and described as follows, to wit: I , BEGINNING at a point on the Western right-of-way line of Erford Road (60 foot right-of.way) at the dividing line of Lot No.7 and Lot No, 8; thence by aforementioned dividing line Soulh 62 degrees 14 mlnul~s 17 seconds West 110 feet to a point on now Clr formerly, other lands of Homestead Group. Inc,. thence by aforementioned lands North 27 degrees 45' minutes 45 seconds West 90.55 feet to a point on the Southern right-of-way line of Victoria Way (50 foot right-of-way); thence by aforementioned rlghl-of-way line by a curve to the left having a radius of 325 feet and arc length of 18,97 feet to a point; thence by same North 62 degrees 14 minutes 17 seconds East 76.04 feet to a point; thence by same !:Iya curve to the right having a radius ot 15 feet an arc length of 23,36 feet to a point on the Western right-at-way fine of Erford Roed (60 foot right-of-way); thence by aforementioned right-of-way South 27 degrees 43 minutes 43 seconds East 75 feet to a point being the point of BEGINNING. BEING Lot No. a as shown on a Final Subdivision Plan of Victoria. Glen, Section I, recorded In Plan Book 4B, page 62. . UNDER and SUBJECT to all applicable restrictions, reservations, easements and rights-of-wa~' of record,' . BEING the same premises which by Indenture bearing date on 2/22/90 and recorded at the office for Ihe Recording of Deeds, In and for the County of Cumberland on 12/14/92 in Deed Book No. A-36, pagl!! 792 etc., granted and conveyed unto Robert J. Gardner and Donna L, ~~~~~~ ' SEIZED in execution and to be sold as the property of Robert J. Gardner and Donna L. Gardner. Residential property SHEA AND SHEA Attorney 10 No. 37350 By: Michael S. Dinney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 Attorney for Plaintiff ------------------------------------------------------------------ IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION No. 96-5997 Plaintiff vs. ROBERT J. GARDNER AND DONNA L. GARDNER Defendants NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Robert J. Gardner and Donna L. Gardner THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Your house (real estate) at 317 Erford Road, East Pennsboro TownShip, Cumberland County, PA is scheduled to be sold at Sheriff's Sale on Wednesday, June 4, 1997 at 10:00 A.M. in the CUmberland County Courthouse, South Hanover street, carlisle, PA 17013, to enforce the Court judgment of $174,281.61 obtained by ContiMortgage Corporation (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS (YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALEl To Prevent this Sheriff's Sale you must take immediate action: 1. The sale will be cancelled if you pay to mortgagee the back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you lnay call: Michael S. Dinney, Esquire at (610) 527- 4000. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. YOU may also be able to stop the sale i:hrough other legal proceedings. YOU may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page three on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Michael S. Dinney, Esquire at (610) 527-4000. 2. YOU may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call Michael S. oinney at (610) 527-4000. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. , . 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on July 7, 1997. This schedule will state who will be recei ving that money. The money will be paid out in accordance with the schedule unless exceptions (reasons show why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after July 7, 1997. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TARE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th Floor Cumberland county Courthouse One Courthouse Square Carlisle, PA 17013 (717) 240-6200 , ~ 0 '- In f-- I~ .. ..-~ C"; , ?"'f" :or. ~ ,,;.) I .' ;s: F- e... Q . ,-,J -;;::: u. _1' .;1I) ~~f C'.J Cc< ,:r; r=: o. :,ltil '"'" .: ,I u.. b ,... .:q 0'\ U i ~ i III ~ ~ ~ E 6 ~ = 3 Ii! 0 .. III S = .. I ." . I ., . " SHEA AND SHEA ATTQRNEV. o\.T LAW " ELLIOTT AVENUE BRYN "AWR. 'EHHIIYLYAN1A 11010 11101 112.7-.000 o i ~ z . n n ~ & P . a E . Michael S. Dinney, Esquire Attorney 1.0. No. 37350 SHEA AND SHEA 11 Elliott Avenue Bryn Mawr, PA 19010 (610) 527-4000 Attorney for plaintiff ----------------------------------------------------------------- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION No. 96-5997 plaintiff : VS. ROBERT J. GARDNER and DONNA L. GARDNER Defendants: PRAECIPE FOR JUDGMENT Enter Judgment in favor of plaintiff and against Defendants Robert Gardner and Donna L. Gardner for want of an answer. ( X ) Assess Damages as Follows: Debt Interest: 5/25/96-6/4/97 @ $40.75/day Late charges: 5/25/96-6/4/97 @ $64.89/mo. TOTAL $158,180.93 15,322.00 778.68 $174,281.61 I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or delivered to the parties against whonl judgment is to be entered and to their attorney of record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe. Co f the notice are attached. ic ael S. Dinney, Esqu re Attorney for plaintiff AND NOW -)':~ rt Ih l1l.t / (, 1996, Judgment is entered in favor of plaintiff and against Defendants by default for want of an answer and damages are assessed at the sum OJf $174,281.61 as per the above certification. , ~,~t y / ,(YO ANY THIS IS AN ATTEMPT TO COLLECT.A-' WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. SHEA AND SHEA Attorney 1.0. No.37350 By: MiChael S. Dinney, 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 IN THE COURT OF COMMON ESquire Attorney for plaintiff PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION 500 Enterprise Road Horsham, PA 19044 . . tlo. 96-5997 plaintiff v. ROBERT 3. GARDNER and DONNA L. GARDNER 317 Erford Road Camp Hill, PA 17011 Defendants : DONNA L. GARDNER NOVEMBER 29, 1996 TOI DATE OF NOTICE: IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF PUBLICATION OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWXNG OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUMBERLAND COUNTY COURT ADMINISTRATOR Cumberland Co~nty Courthouse One Courthouse Square, 4th Floor Carlisle, PA 17013 (717) 240-6200 /"" ~'" /1'-;.,J; M c~el S. Dinney, Esquire At'torney for Plaintiff SHEA and SHEA 11 Elliott Avenue Bryn Mawr, PA 19010 (610) 527-4000 THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. . SHEA AND SHEA Attorney 1.0. No.37350 BYI Michael S. Dinney, 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 IN THE COURT OF COMMON Esquire Attorney for Plaintiff PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION 500 Enterprise Road Horsham, PA 19044 No. 96-5997 . . . . Plaintiff v. ROBERT 3. GARDtlER and DONNA L. GARDNER 317 Erford Road camp Hill, PA 17011 . . TOI Defendants ROBERT J. GARDNER DATE OF NOTICE: NOVEMBER 29, 1996 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU RAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF PUBLICATION OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IE' YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUMBERLAND COUNTY COURT ADMINISTRATOR Cumberland County Courthouse One Courthouse Square, 4th Floor Carlisle, PA 17013 (717) 240-6200 , l "", ; .0,' >11J >' M.t:cha S.. Inner' Esqul. Attorn6y for Pla ntHf SHEA and SHEA 11 Elliott Avenue Bryn Mawr, PA 19010 (610) 527-4000 THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. . .... II" C, ,. ,.. "" ,.; ..:: r"P Co": ' ; S' . . ~L .- j-; ?f.\ ....q J;~ ".. }l:.) filL &j ~L, - '" ltl' c,.' <~ fl. i..i . -J trj It, (:,1 "t)u.. 0 I,r] ::3 0' 0 ~ ~ ~ <0....9 ~ ~ ~~ ~ r....... ~~~ ,0 i i:i · " ~ 51 n! ~ i = , ~ E H a ; a 3 .. a 3 " ; i 5 = .. ~ E . If \ . SHEA AND SHEA ATTORNlly.'AT LAW. 11 IlLLIOTT AVENUIl ."YN MAWIlt. 'IHNnLVAHIA ,.ou' 1.'01 8U"4OO0 . . ~ - '- \r. r,. .'" -.;; ,~ = M ,1.,4- ,.);,:'} P :c '.):::= F c... .,~.,j C) ~ .~ ;{. t1. 'j ~= U- N ..~ " "Pi 0:: "ltLl ~~ ~ 1::J.. .' . .- ~ r- ~.:> U'I u , ~ ' '. . , , ^- .. SHEA AND SHEA AT~ANn"AT LAW II ELLIOTT AVENUE ."YN MAW". PINNSYLVANIA ,8010 11101 B17'.OOO 0 ~ m . " ~ Z j :> .. z ~ I ~ " > ~ .. .. ;. .. I: z Z N ~ 0 " II m = 3 ~ a o " '" i S = ~ ;, ~ Z .. . . '" .. . . ~' -, Notes. If real property, supply six copies of description including inprovements and lIll original and copy of dffidavit of ownership (PaR.C.P. No. 3129). If lengthy personalty list, supply four copies of list. To index writ, file separate praecipe with writ. n ~ p- CP "Tl 0, 0 \.0 Q ~-;. -.I ., ttl "'tiit. ...., ,.-.1 ~ 'tfI r"l ,\11 [!,Hr <:D .-- N ':',f.:i .:t- - ;>:'- Q) .JJ <Ji U1 (/j. ,3g .D -,. ~ ~ 0() 8 r_l ',1',] ~ s= .....-r 8 8 L..( ,.. S 0 () ..:.. ~ . ~C) ~,: - rirn . (I Q.. .. .. i't to. lJl 8 (jJ "8- .. :n Xl -a. - 0 0 ~ 11, ~8.. -<; j, r () -a. 1 ~ } 1- ff \.l r u ~ ~ r r' 0- 0.- !:l.- i*- (6 ~ ~ . SHEA AND SHEA Attorney 10 No. 37350 By: Michael S. Dinney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 Attorney for plaintiff ------------------------------------------------------------------ IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA CIVIL ACTION - LAW CONTIMORTGAGE CORPORATION No. 96-5997 Plaintiff vs. ROBERT 3. GARDNER AND DONNA L. GARDNER Defendants NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Robert J. Gardner and Donna L. Gardner THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INF03HATION OBTAINED FROM YOU WILL BE USED FOR TllAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Your house (real estate) at 317 Erford Road, East pennsboro Township, Cumberland County, PA is scheduled to be sold at Sheriff's Sale on Wednesday, June 4, 1997 at 10:00 A.M. in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the Court judgment of $174,281.61 obtained by contiMortgage Corporation (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS (YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALEl To Prevent this Sheriff's Sale you must take immediate action: 1. The sale will be cancelled if you pay to mortgagee the back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call: Michael S. Dinney, Esquire at (610) 527- 4000. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page three on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Michael S. Dinney, Esquire at (610) 527-4000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call Michael S. Dinney at (610) 527-4000. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on July 7, 1997. This schedule will state who will be receiving that money. The money will be paid out in accordance with the schedule unless exceptions (reasons show why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after 3uly 7, 1997. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th Floor Cumberland county courthouse One Courthouse Square Carlisle, PA 17013 (717) 240-6200 ALL THAT CERTAIN tract or parcel of land sltuata In East Pennscoro Township, Cumberland County, Pennsylvania. more particular bounded and described as follows, to wit: I BEGINNING at a point on the Western right-of-way line of Erford Road (60 foot right-of-way) at the dividing line of Lot No. 7 and Lot No.8; thence by aforementioned divldlnl1l1ne South 62 degrees 14 mlnuttlls 17 seconds West 110 feet to a point on now or formerly, other lands of Homestead Group, Inc., thence by aforementioned lands North 27 degrees 45" minutes 45 seconds West 90.55 feet to a point on the Southern right-of-way line of Victoria Way (50 foot right-of-way); thence by aforementioned right-ot.way line by a curve to the left having a radius of 325 feet and arc length of 18.97 feet to a point; thence by same North 62 degreas 14 minutes 17 seconds East 76.04 feet to a point; thenes by same by a curve to the right having a radius of 15 teet an arc length of 23,36 feet to a point on the Western I'lght-of-way line of Erford Road (60 foot right-of-way); thence by aforementioned right-of-way South 27 degrees 43 minutes 43 seconds East 75 feet to a point being the point of BEGINNING. BEING Lot No. a as shown on a Final Subdivision Plan of Victoria Glen, Section I, recorded In Plan Book 48, page 62. . UNDER and SUBJECT to all applicable restrictions, reservations, easements and rights-of-way of record.' . BEING the same premises which by Indenture bearing date on 2/22/90 and recorded at the office for the Recording of Deeds. In and for the County of Cumberland on 12/14/92 In Deed Book No. A-36. page 792 elc.. granted and conveyed unto Robert J Gardner and Donna L, Gardner, his wife in fee. . SBIZF.D in execution and to be sold as the property of Robert J. Gardner and Donna L. Gardner. Resldential Property ( SHEA AND SHEA Attorney I.D. No.37350 By: Michael S. Dinney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CONTI MORTGAGE CORPORATION : No. q' ,- Sf f 7 (t':'..vl. 500 Enterprise Road : Horsham, PA 19044 : plaintiff : Attorney for plaintiff v. . . . . . . ROBERT 3. GARDNER and DONNA L. GARDNER 317 Edord Road Camp Hill, PA 17011 . . Defendants : NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pageL, you must take action within twenty (20) days after this complaint and notice are served by entering a written appearance personally or by attorney and filing J.n writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR Cumberland County Cou~thouse One Courthouse Square, 4th Floor Carlisle, PA 17013 (717) 240-6200 SHEA AND SHEA Attorney 1.0. No.37350 By: Michael S. Dinney, Esquire 11 Elliott Avenue P.O. Box 128 Bryn Mawr, PA 19010 (610) 527-4000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Attorney for Plaintiff CONTT.MORTGAGE CORPORATION 500 Enterprise Road Horsham, PA 19044 No. Plaintiff v. ROBERT 3. GARDNER and DONNA L. GARDNER 317 Erford Road Camp Hill, PA 17011 . . Defendants : COMPLAINT IN MORTGAGE FORECLOSURE ],. Plaintiff conti Mortgage Corporation is a corporation with a place of business at 500 Enterprise Road, Horsham, PA 19044. 2. Defendants Robert J. Gardner and Donno L. Gardner are believed to be residing at 317 Erford Road, Camp Hill, PA 17011. 3. On August 24, 1995, the defendants made, executed and delivered their note and mortgage to Resource One Consumer Discount co., Inc. (hereinafter Resource One) in the amount of $142,000.00 with interest at annual rate of 10.49 percent, payable in monthly installments of principal and interest of $1,297.87 for a term of 180 months. A copy of the mortgage is attached hereto as Exhibit "A.II 4. The mortgage was recorded in the Office for the Recorder of Deeds for Cumberland County, Pennsylvania in Mortgage Book 1281, page 79, and is on the premises at 317 Erford Road, East Pennsboro Township, cumberland County, PA legally described in the mortgage attached hereto as Exhibit "A." 5. The mortgage documents were subsequently assigned to plaintiff who is the current holder of the mortgage. A copy of the assignment is attached hereto as Exhibit liE." 6. The defendants are the real owners of the land subject to the mortgage and their last known mailing address is set out in paragraph 2 above. 7. Default has been made by the defendants in the payment of the monthly installments since 3anuary 30, 1996 and as of May 24, 1996 the account is delinquent $5,451.04 ($1,297.87 per month for the period January 29, 1996 through May 24, 1996; late charges in the amount of $259.56); whereupon, under the terms of the mortgage, the entire balance of principal became due and payable. 8. In accordance with the provisions of the mortgage documents and/or the Act of 3anuary 30, 1974, P.L. 13, NO.6, section 403 (41 P.S. section 403), a Notice of Intention to Foreclose Mortgage dated April 1, 1996, was forwarded separately to both defendants on or about April 1, 1996. An Affidavit of Notice is attached hereto as Exhibit "B" and a copy of the notice is attached hereto as Exhibit "c." The default has not been cured. In the alternative, the notice required by the aforesaid Act does not apply in this instance since the original amount of the mortgage was in excess of $50,000. 9. In accordance with the provisions of the Act of December 23,1983, P.L. 385, No. 91, section 2 (35 P.S. section 1680.402c.), a Notice of Homeowner's Assistance Emergency Act of 1983 dated April 1, 1996 was forwarded separately to both defendants on or about April 1, 1996, since the mortgage was more than sixty (60) days contractually delinquent. An Affidavit of Notice is attached hereto as Exhibit liB" and a copy of said notice is attached hereto as Exhibit "D." More than thirty-three (33) days have elapsed since the mailing of said notice and no notice has been received by plaintiff advising that defendants have applied for assistance, nor have defendants arranged for a face to face meeting with a representative of the plaintiff during said period. 11. The mortgage is in default because of defendants' failure to make the payments due and the following amounts are due on the mortgage: Principal balance Interest 12/30/95-5/24/96 @ $40.75/day Late charges 1/29/96-5/24/96 @ $64.89/mo. Escrow deficit Reasonable attorney's commission (5%) Title search and cost TOTAL: $141,772.73 5,990.25 259.56 149.78 7,408.62 2.600.00 $158,180.93 12. The attorneys' fees set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third-party purchaser at sheriff's sale. If the mortgage is reinstated prior to sale and/or if this matter is contested, reasonable attorneys' fees will be charged. WHEREFORE, the plaintiff prays the Court to enter jUdgment for foreclosure and sale of the mortgaged property in the amount of $158,180.93 as set forth above, together with costs, interest thereon from May 25, 1996 at the rate of $40.75 per day; late charges from M~y 25, 1996 at the rate of $64.89 per month and all other amounts advanced by plaintiff prior to the sheriff's sale of real property and properly chargeable in accordance with the terms of the mortgage. SHEA AND SHEA THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. o o \~'~""R"'~n ffit ~ .~~~,~rA ~ fl .", ~ t ~~~ .:.;:-~~b" COP if WHBN RECORDED MAIL TO RBSOURCB ONB CONSUMER DISCOUNT 2300 B. LINCOLN HWY 5TE 609 LANGHORNE, PA 19047 , . CO. I INC. I , (SPACE ABOVll nUl LIND POR RBC~RD"DATAI THIS MORTGAGE (' Security 'a.trum.~~,~~?AGo/ August Tho morl,l,or I. ROBBRT J. GARDNER and DONNA L. GARDNER, 24, 1995 HtS WIFE ("Borrowor"), Thl. Security laetrumoDtl. &Ivea to RESOURCB ONE CONSUMER DISCOUNT CO.,INC. which I. orglalud lad old.Un. uader the lawe of PENNSYLVANIA 2300 E. LINCOLN HWY STE 609, LANGHORNE, PA 19047 ~ (.Leader-), Jlorro",e, ow.. Loader the priDcipal eum of ONE .~RED FORTY-TWO TH SAND DOLLARS AND 00/100 Dollan (U,8,$ 142,000.00). Thie dobt II ovideaced by 80rrower'. Dote dated tbo elme date.. thi. Secarity l...lru01eat ('Note'). which provld.. fo~oatbly pa)lOealr, with the full debl, If oat plid earller, due and pa)'lble 00 Augua t 29, 2010. hi. Securil)' lallrom.at ncur.. to Lender: (a) the repayment of lhe debt avldeacad by the Note, whh later...t, nd all reaewalr, exteorione aad modlfi""lIone of tbe Note; (b) lbe payment of aU other 1UIIIJ, with Interelll, advaaced under para,raph 7 to protect th. recurity of thie Security Instrument; anlf (0) the performance of Borrow:rr' coveaaota aad agrcemeatr aader thi. Security lnotrum.ot and the Nole, For tllla purpo.e. Borrower daae hereby 10 19a.e, graat and coavey to Leader the followiag described property located In CUMBBRLAND County, Pean.ylvaala: . , and who.e addr... I. SEE ATTACHED wblch h.. the addre.. of 317 ERFORD ROAD IS"u'l ("Property Addre".); CAMP HILL IcitTI Peaa.ylvanll 17011 IZip Code) PENNSYLVANIA .Slnale F.mIlT' Fllrtnle rw.lFreddle MlIC UNIFORM INSTRUMENT ~~ ITEM 19l0(onll) EXIIIDn' "A" I'orm 3039 9190 (p..e I 01 6 p..u) :,1 n TOOBTHBR WITH IU Ihl Improv.m.al. aolY or h.,.I/I.r .nclld oa Ih. prop.rly. lad IU ....m.at.. Ippurt.alac... lad IIxIU,.. aow or h.ruftll I pill af lhe properly. AU r.plac.mlDu IOd Idclilion. .laU 11.0 bl cov.r.d by lhi. S.curity lallram.al. All of Ih. (or..ola.l. ref.rted 10 la lhi. S.curily IlUlrum.al II the 'Prap.rty.' , BORROWBR COVBNANTS lhal borrow.r I. IlwlIlUy ,,11.d af lb. Dltlle hereby eoav.yed Iud hi' lbe ri.hl loar"al lad caavoy lIIl Properly aad Ihal lhe Properly I. ualncumbered. .xcepl for .acambrauc.. of record. Borrowlr warraul. IOd MlI deread ..aaraDy Ihl tllla to lh. ProperlY a,"lall IU claim. lad d.mlad.. oub}eCllo lay eacumbnac.. o( record, THIS SBCURITY INSTRUMBNT cambia.. uo1(orm cov.aanl. (or allioOlI UII lad aon-uol/orm co..aul. wllb HDllI.d variatloa. by Juri.dlctioa 10 coa.tllul. a uol(orm IIcurity lallrum.al COV.riol real prop.rly. UNIFORM COVENANTS. Borrower aad L.ader cov.o.al aad iirei II (oUows: I. Pa1flllot o( ~dpal and Ialer.rt, Pr.pa1D1lct and Lat. ChUJu. Borrower .laU promptly pay wh.a due lb. priaclpa. o( IOd lal....l 00 lh. d.bl .videaced by lh, Not. aad aay p"p.ym'DI aud Ill. cher... due uader the Not.. 2. I'\uICIs for TIIlII and war"""e. SUbJ.ct to appHcabl. I.IY Of to a wrlUeo .....Iver hy L.ader. Borrower .haU pay la Leader oa Ihe .ay moathly paymeal. are due uad.r Ihe Nole. uallllhe Nole I. p.ld la tuU, a .um ("FUDd.') (or: Ca) yearly laxll IOd a".lImeDt; which mlY attala priorily over lhi. S.curily [alltumeal U I H.a oa Ihe Property, Cb) yearly leuehold Plym.at. or .rouDd teD" on lh. Property. I( lily, Co) yearly hazard or prop.llyla.ullace preDllum.; Cd) yea,ly nood la.urlDc, pteDllam.. If eny, Ce) yurly morl,l,e la.allac. preDllum., I( aay, lad Cf) IOY .am. p.yabl. by Borrower la L.ader, la Iccordlnce wltb Ibe provlalaa. af para'l'Iph S, la H.u o( Ihe paym.at af morl,",. Iatarlac. premium.. Thes. It.m. are caU.d 'I!..row It.IDI.' L.ad.r may. II lay time, coUocl aad hold Fuad. la ID amoual 1101 10 excoed Ih. maximum Imouat a leDd.r (or a f.d.ral1y r.lated mort...e 1010 mlY r.qalr. (or Borrow.r'. IIcrow ICCOUIII aader Ih. f.deral Real s.lat. S.UI.m.1I1 Procedare. Act of 1974 u am.lld.d from 11m. 10 Um., 12 U.S.C. 82601 el '.'1. C'RSSPA'). ual... aaolher law Ihal appU.. 10 Ih. Fuadl .eta I I....r ImOUIII. If '0, Lellder may. al allytlm.. coUcCl aad hold FUDd. III aD amoual Dalla .xceed lh'. I...er amouDI. LeDder may e.tlmale lb. amoulIl of FUlldl due aD Ihe bub o( curreDI d.ta IDd IIl10alble ..timllel o( exp'Delltur.. o( tuture SICrow lIem. Of oIh~rwill la accordaace Mlh appHcable law. The Fund. .laU b. beld ID In ia.UluUolI who.. d.poslt. are la.ured by a fed.ral Igency, la.uum.ataUly. or .ntily (IDCluello. L.ad.r, If LeDd.r I..uch AD lallitulion) or In lay Pederal Home Loa a Blale. Leader IbaU apply Ibe FUDdl 10 PlY the .lefaw It.m.. L.nder may Dol cbarl' ,\lorrower for holdlag aad applyia. Ih. Fuad., aaaually laal).;o, the IIcrow aCCOUDl, or v.rifyla. Ih. Secrow 11'10', ual... L.ader pays Borrow.r illlerest oa Ihe Fuadl lad IppUcable law peralill L.ad.r 10 mlk. .uch a chara', However, Lelld.r mlY requlre 80rrower 10 pay a oa..lim. char,. far la lad.peDd.at real IIlate tax ..porllng ",rvlc. ulld by LeDder la coall.clioD with lhla laiD. uale.. appHcabl. law provid.. olh.rwis.. Uat... la Igreem.nt i. made or IppUcable law requlre. lDlerest 10 be pald, Leader .haU aot be requir.d 10 pay Bortower aaylale...1 or earolo,. oa lII. Fundi, Sorrower aDd LeDder mlY "ll1'.' ID WriIlDI, how.ver. that lalerest .han be paid OD Ihe Fuad.. Lloder .h.U give to 80rrow.r, wlthuul oharae. aa aanua! accouaUag of the PUDd. IhoMall credill IOd d.bil. 10 lhe Fundi aDd lh. pu'po.e for which each d.blt 10 th. Faadl was made, Th. Fuad. ar. pledg.d II. addltioaal ..curily for an .um. sccar.d bythil S.corilyID.trum'Dl. If the Fuad. h.ld by L.nd.r .xce.d Ih. amouats p.rmltt.d 10 be h.ld byappUcabJ. law. L.Dder .hall aCCOUDI to Borraw.r (or lb. .lCl:e.. Fuad.11I aCCordlllce Mlh Ihe requlr.m.al' of IppHcable law. I( the amouDt of lh. FUDd. held by Lend.r II aDY 11m. I. Dol 'UmCI.Dt to paYlhe S.crow Ilems wheD due, L.ad.r may .0 nolllY Barraw.r ID writiag, aad, ID such ca.e Borrawer Ihall pay 10 Lead.r the amouDt a.c....ry ta make up the deficloDO)'. Borrow.r sb.U make up Ihe defici.acy ill DO more tban twelve mOlllhly paymeDt., al LeDder'1 101. dI.ct.tion. UpOD PI)'ID.al ID ruu of all.uml .ecur.d bylhi. S.curitylastram.lIl. Lead.r .haU promptly refund 10 Borrower aDY Fundi beld by L'Dd.r. If, uDd.r parall1'apb 21. LeDd.r .hlU acqulr. or IOU the Prop.rly, L.lld.r. prior 10 Ih. Icqullitioa or .al. of Ihe Property. .hlU apply IDY Fuad. held by Leoder al th. time o( IcqulsltiOD or ",I. II a creelll asalDst lh. .um. IOcur.d bylhls S.curilyln.ttumellt. 3. Application of Pa)'IDenL!. UDI... appHcabl. law provid.. otherwise. IU pa)'DloDI. r.c.lv.d by Leader ulld.r plragrlpbl I IDd 2 .hall be IppHed: fint. 10 lay prepa)'IDeat chari" due uader th. Not.: '.colld. 10 amOUIII. payable UDder paragraph 2: lhird, 10 lat.rest due; (ourlh, 10 principal dU.1 Ind last, 10 aay lall charses due uad.r the uote. ' 4. Chatg..; L1el\1. Borrower .hall pay all taxll, ......m.au, clarg.I, fiD.' IDd Imposition. Ittribulable 10 th. Prop.rly which mlY attala priority ov.r lhis S.curilyIDsttum.al, IDd I...ebold PI)'Dl.al. or ground reDII, if lay, Borrower Iball pay these abH,"tioa. la Ih. maaa'r provld.d ID paragrapb 2, or If aol pald In Ihalmaaner. Borrow.r Ibln PlY th.m 011 11m. ellr.clly la Ih. penoa ow.d paym.nl. Borrower IhlU promplly forui.. 10 Lead.r aU Dotlc.. of Imounl. 10 be paid under thi. parl.raph. If Borrower mak.. Ih... paym.DII directly. Borrow.r .haU prom pUr fumJsh to LeDder r.c'lptl evid.Dcla.the Pl}m.nll. Borrower .hlll pramptly dI.charge aay UeD which hu pnonty over lhi. S.curily lallrum.al ual.ss Bartow." Ca) a,reel in wrillDllo tho plymeDI of the obUgatioa IOcur.d by Ih. U.D la I mlaD.r Icc.plabl. la L.ader; (b) coat..tllll ,ood faith lh. UIII by. or defeDd. I.alalt eDfarcemenl of tho HeD ID, l.gII prac..cIia.. which ID tho Lead.r'. oplnloa operlte 10 pr.veDl the 'Dfcrcom.al o( th. Hea; or Cc) ..curea from Ihe hold.r of Ih. U.a In agreem.al OItilfactory 10 L.ad.r .ubordlnltiag the U'D 10 lhil S.curily lalltum.at. If Lend.r d.leralia.. tbal lay part of the Property Is oubject to a H.D which may Ittaill priority over lhil Slcurily InllrumeDl. L.ad.r may glv. Dorrower I aotlc. id.atifyiol lhe H.a. Borrower .hall Sllllfy Ih. U.D or lake oae or more of lh. actloa. I.t forth Ibove wllhiD 10 day. of lh. givial of 1I0lic.. 5. Huard or Property Insurance. Borrow.r shill keep Ih. Improv.m.al' aolY exlsUo, or herea/lcr erect.d oa th. Prop.rty IDlured ","Iall lOll by fire, hEard. laclud.d within lh. Ilrm ".xt'Dded coveras.' aad lay ather hazard., lacludiag flood. or floodiag. (or which L.ader r.qulrll la.urallc" Thi. laluraac. .haU be maiDlain.d ia Ih. amounts Ind for Ihe p.rlod. Ibal Llad.r Ponn J039 91'10 (page 2 of 6 paaee) J o :'1 roqulr... Tho In.u,.n.o carrl.r proYidln. Iho In.uran.. rh.1I be .holln b, Borrower rubJ..t 10 Land.r'. .pp,o'.1 whl.h .h.1I nol be un...oon.bl, wilhh.ld, If Bono".r f.i1. 10 m.lnt.ln .ove.... d.lCTib.d .bov., Lend.r m." .t Landor'. opllon, obtain <Xl...... to prolOOl Lond.r'. .I,hll In Ih. Prop..t, in .ccordon.. with pll....ph 7. Ail lNu,.nc. poIl.I.. .nd ,.n.""I. .h.1I be ....pl.bl. 10 Lend.. .nd .hlll Includ. . .t.ndlld mall.... cI.u.., Lend.r .h.1I "".. Ih. rl.ht 10 hold tho pollci.. .nd r.n.,,"I., If Lend.r ..qul.u, Borro".r .h.1I prompll, ,I.. 10 Lend.r III r.c.lplo of p.'d pr.miu,", .nd ..n."",1 noli.... In Ih. ...nt 01 lou, Borro".r ,h. II .1.. prompt nollc. to lh. In.ur.n.. c.rrler .nd Lond.r. Lender m., m.k. proof or loa If nol m.d. prompll, b, Bor.ow." Unl... Lend.r ~d Bo.ro".r Olh.",1oe ..... In w.llln., Il1I\Ir.n,. proceed. .h.1I b. .ppll.d 10 ..llorlllon or r.pllr of Ih. Prop.II, d.m...d, If 111. _lor.llon ur rap.lr I. .conomlcoll, r..sibl. .nd Lond.r'. ..curll, I. nol I....n.d. If Ih. ....Ior.llon or r.p.lr I. not o_omic.U, f_lbl. 0' Lond..'. IOcurll)' would be I....n.d. Ih. lnou..nco pro....e11 .h.1I be .ppll.d to Ih. tum. ..cur.d '" 1I1;,Is.curlt,lnotrum.nt. "h.lhe. or not Ih.n due. "Ilh .n, .XCtu p.ld 10 BOtlo'..r. If Bono""r .blndon. Iho Prop.rt,. or dOl. nol onowor wilhln 30 d.,. . nollc. /rom Lond.r lh.t Ihe In.u..nce c.rrler h.. olT..od 10 ...111. . .1.lm. Ih.n Lond.r m., coIl.ct 1M IlIIUTanco procooell, Lander m., u.. Ih. p.oCl.dl 10 r.p.i. or "'10'. Ih. Prop.rl, or 10 po, lum, ,.cu..d b, thl, S.curll, Inlllumonl, wh.th.r or nol then duo. Th. 30-d., porlod will be.ln wh.n Ih. nollco I. .iv.n, UnI... Lend.r and Borro"",r olhor"l.. .".0 In Wlilln.. .n, .ppUcollon of p.oc.edl 10 p.ln.lp.1 Ihlll nol .xlond 0' pOlllpon. th. due d.l. of 111. monlhl, p.,m.nll ..r..rod to In p...".pho I .nd 2 or ch.n.e Ih. .mount or th. p.,m.nll. If und., plro"oph 21 111. Propony II ocquirod b, Lond.r. Bono"..', rl.hl to .n, InlUtlnce pollcl., .nd p.oc..d, reoultln, rrom d.m... to 111. Prop.rt, pdor 10 lh. .cqulaltlon ,hall p." 10 lAnd., to tho .It.nt of lhe IUm, ,ucur.d b, lhl, Seal/II)' InoltUm.nl Imm.dlol.I, prior 10 lh. .cquiJlllon, 6, O<<UpallCT, P,eseMllon, Molnteaanco ~nd P.otectlon of lbe ProP.rI)'l Borrowe", Loen AppUcallonl Leeseholds. Borro".r ,hell occup,. e'tabllah. end Uf. lile Propert, II Barra....', principII r..ld.nee wllhln 'ill)' ell,. In.r Ih. ...cullon of thl, Securlt, lnotrum.nt Ind a1,.1I conllnu. 10 occup, Ih. Prop.rt, II Borrow.... prlnclp.1 .~Id.n... ror It lellt on. ,ell ofle, lh. elite or occuponC)'. unl... Lontl.r olh.r"l.. ..r,," In wrilln., which cons.nl rhlll not b. unr..lon.bl, wilhh.ld. or unl... .Il.nu.lln, c:lrcun1ltancn exist which are beyond Borrower'. control. 'Borrowe: shall not destre" dlms,e or Impair the Plopen1, ."ow the Prop.rl, 10 d.l.rlorale, 0' commll "..I. on the Prope"" Borro".r 'hall be In d.r.ull Ir an, ron.llur. ectlon or proc..elln.. wh.lhar olYiI at crimln.l. I. be.un thll In lAnd.... 100d r.ilh jud,m.nl could ...ull In rorfellur. or Ih. Prop.rt, or olh.rvrt.. mlted.U, Impair Ih. U.n cr.ll.d b,thl. Secu.lly Inltrum.nl or lAnd.r'. securily Inl..ut. Borrower mo, cur. IUch a d.r.ull .nd rolMato, U plOvided in p.ra.t&ph 18. b, clusln,lhe action or proceedln,to be dirml...d with a rulln,thll. In Lender', ,oad fallh d.lonnlnotlon. preclud.. rorr.itur. of Ih. Borrower'. Inl.rut in lh. Prop.'" or olh.r m.lorlal Impairment or lh. lien creat.d b, Ihi. S.curit, In.trument or Lander'. ...uril, Inle...t. Borrow.r .h.1I al.o b. in d.r.ult Ir Borrow.r, dUrin, Ih. lo.n applicallon proce... .... m.l.d.II, rol,e or Inaccurot. InCormallon or Slat.m.n.. 10 Lend.r (or fail.d 10 provide lAnder with .n, mat.rial Inrormallon) In connection wilh Ih. lo.n evldencod b, lile Nole, Includln., bUI nOllimit.d 10. r.pre..nlallono conc.,nln, Borrower'. """uponC)' or lh. Prop.", u a prlncip.1 ...Idence. If thl. S.cU.Il,lnollUmenl I. on a I....hold. Borrow.r shall compl, "Ilh all the provi.slono or lh. I...., If Borrow.r .cqulr.. r.. title 10 lh. Prop.rl" lil. I.....hold Ind Ih. C.. IW. .hall not m.r,. unl... lAnd.r ."... 10 111. mer..r In "rllln., 7, ProIectlon of Lender'. RJahla In lbe Properl)'. If Borro".r r.il. 10 peno.n. Ih. cov.n.n.. .nd a"e.men.. conleln.d In Ihl. S.curil,lnoltum.nl. or lI1.ro ;, a 1...1 proc.edln. Ih.t mo, II.ninc.lntl, .rrocl lAnd.r's ri,h.. In Ih. Prop.rl, (.uch II a proce.dln, In benkrupfC)', probele, for cond.mnatlon or rorr.ilure or to .nro.ce I..... or r..ul.llon.), Ih.n Lond.r mo, do end pa, ror whalever i, n......" to prol.cl lh. valu. oC lh. Prop..t, .nd Lond.r', ri,h.. In the Prop.ny. Londer'. .cllono mo, Inciud. pa,ln, an'lUllII secured b, 0 lI.n which hu priorit, over Ihi. SecUtlly Instrument. Ipp.arin,1n court. ~o,ln, reucn.b/e allorn.y.' fe.. .nd .nl.rin. on Ihe Prop.rl,to m.ke ropal... Allhou.h Lond.r m., lIke aCllon und... lill. p.ra...ph 7. Lond.r do.. not hava to do 10. An, emounll dl.bun.d b, Lender under thl, parasraph 7 .hall becom. Iddillonal debt or Barra",", .ecured by Ihl. S.curity Instrum.n.. Unle.. Borrower and Land.r a,... 10 olher I.rm. or paym.nl. Ih... .moun.. .hall bear Int....t rrom Ih. date or dl.bwlORlenl .t Ih. Nole 1110 and Ihall be pa1lble, wllh Int....l. upon nollce rrom Lond.r 10 Borrow.r requ..lln, p.,m.nt. 8. Mortp.e Il\IUtlInco, If Londer r.quired morl,a,. lnauronce a. a condition of m.kln, Ih. lo.n ICcur.d b, thl. S.cu.II, Inltrument. Bonow.r shall pay tho premiums lequlred 10 mainlain the marti'll" insurance In effect. It, rOt any tellon. the mort.... lnaullnco covara.. r.qulr.d b, Lend.r lapse. or co..... 10 be in .lToel, Borrower .holl pa, Ih. pr.mlurm requlr.d 10 obt.ln covara.e IUbolanll.II, .qulnl.nl 10 Ih. mo.l,.,e lnourance pro.iousl, In .1T.ct, al . cost IUbotanllall, .qulval.nt to th. COlt 10 Bo.ro"", or lh. mo",",. in,uronco pre.iou.I,ln .IT.c~ hom .n III.m.l. mLrl,a,. INur.r approv.d by Lond.r. If ,ubol.htl.II, .qulnl.nl mort,.,. In.ur.nco ""ver.,. I. not ...lIabl., Borrower .hall p.,lo Londer each monlh . IUm eqll.1 10 on.-lwelRh or lh. ,carl, mort,..e lnoutlnce premium beln. paid b, BOllo..er when Ih. lnaurance co.er.,. I.pred or coa.ed to be In .rr.cl. Lender will accept, ule and relaln Ihese p"1menllll . loa re.tervl in lieu or matt PI" InSUllnce. l..osa reserve p01mentl ma, no lon,.t b. requlr.d, II the option or L.nd.r. Ir mort,... Insurance co.e.... (In Ihe .mount "nd ror lh. p.riod Ihal Lond.r ,.qulru) p.ovid.d b, .n inlUror .ppro..d by lAnd.r ...In becom.. ...i1.bl. and I. obloined, Borrower .h.1I p.'lh. pr.mlunu required to maintain mou,.ae Insurance In e(fect. or to provide I loa merve, untH the requirement ror martlage Inrurance ends In Icc:crdance with any writlen aareement botween Borrower Ind Lender or applicable '&w. 9, Inspecdon. Lender or I.. a.enl m., male. r....,n.bl. entries upon and INp.clionr or lhe Prop.rt" Lond.r .hall .Iv. Borrower notice It the lime of or prior to In inspection speclr,ln, reasonable t',suse (Ot the inspection. 10. CondemnatJon. The proc;e.ds or any award of claim for damaaet, direct or consequential, in connection with any Sln.le Flmll, .. F.nni. M.eJFreddl. M.. UNIFORM INSTRUMENT.. Unlrorm Cov.nanll 9190 (pa,e J or 6 pa,es) :i (j oondemna,lon 0' Olh., 'akin. 01 any pill oltha Prope,l)', or lor .0nve,lnce In lieu 01 eondemnallon. Irt h"eby lul.ned and "'all ba paid 10 Lenc!er, In "'a avanl 01 a lotal lakln. ollha Proporl)'. the praulell Ihlll be Ipplled 'a tho lum' ,..urod b, Ihll Seeurll, IlIItrumanl, whOlh., or nol Ihon due. wtlh an, ....a paid 10 Borrolfer, In thl ovlnl or a pull'" IIkln. ollhe ProPlrt, In whl.h the folr mlrkol value ollha Properl1lmmedlalel, boloro Ihe tokln. II equal 10 or "III" Ihln the amounl ollhe lum' If.urod b, Ihll Secutll, lnsuumenl Immedla..I, be/oro Ihe Ilkln,. unl... BallOW" Ind Lendor othOl\OI.. I,..e In wrllln" Ihe sum. ...urod b, Ihl. S.ewhy Instrumenl "'all be redu.ed by Ihe .mounl 01 the prO<'eed. mulllplled b, Ihe lollowln. rraellon: (.) Ihe lolal amounl 01 Ih. sum. ".urod Immedlll.l, ~Ioro the tlkln" divided b, (b) Ihe 1.lr mlrkol value of Ihe Prop"I, Immedlltely belore Ihe lakin" An, balln.. Ihlll be plld 10 BOllOW.,. In Ihe avonl 01 a p"'1111 Ilkln. of Ihe P,op.,ly In whl.h the lair mlrkol valu. of Ih. Prop"t, Immedllt.I, beforo the ..kln, I. loa th.n th. Imount 01 Ihe .unu ...u..d Immedllltl, be/ore Ihe Ilkln,. unl.u Borr"""r and Lender otharwl,J, "1110 In ...Itin, or unl... appll..ble 1110 olherwiaa provld.., the proceed. Ihlll be applied to the luma ..curod by Ihla Se.urh, IlII\nIment wh.th" Dr nol Ihe luml "" Ihon due. If Iha Prop.,t, II Iblndon.d b, BOllower, Dr II, Iner noli.. b, Lendor 10 BallOW" Ihll the oond.mnor olten to m.ke In IWlrd or MUle & clllm for dlml'''. Baffa"" /111. to respond to Lender wllhln 30 dlJl a1ler the dlte the noli.. II ,iven. Lender II &u\hotlzed 10 eoll.ct Ind Ippl, the proce.cIa, It h. opllon. .I\hor 10 r..torlllon or ..pair 01 the Propert, or \0 Ihe luma Ncured by \hI. Securll)' In.Uument. whether or not Ihen du., Unl... Lendor Ind Bono...r oth.rwlse a"" In wrltin,. In, appll..llon 01 pr....cIa 10 principII .hlll not exlend or pootpone th. dUll d.ta of "'a monlhly pa,m.nllrelelted 10 In pUl,rlpha I and 2 0' chln.e Ihe .mount of Nch p",menll. 11. Dorm", NoC Relenedl Forbetllal1a! by Leader Nol a Wllver. e.tenslon of "'. time for pl,menl or modlficallon of Imortiullon of Ih. 1WI11 ...oo..d b, Ihl. S.curit, In'lrument "Int.d b, Lender to .ny OII..euor In Inte"lI of BOltower .hall nol opeille 10 relo..e the lIabllll' of the orl,lnol Boltowor or Balla".... .uccesson In Intartlt. Lender ,hili not be requited to <omm.n... proce.dln,. .,alnll an, .u..ouor In Inl..... or ..rw. to e'lend time for po,mont or otherwi.. modify amortiullon of the Nma lecwed b, thl. Securll, In,lrument b, ,o..or, 01 In, d.mlnd mlde by the orl.lnll Borro....r or BOffower', ,ucceuon In In"...L An, rorbearan.o by Lendor In ..erel.lnlln, rl,ht or rem.dy .hlll not be a ,..iver alar preclude tho exorcise of In, rlaIIl or remed" 12. Successon aDd As:Ilcns Bound; 10lnl lad Several Ulbllllyi Co-slanen. The covenlnll Ind "..ementa of "'I. Sec:lirllJ Instrumenl ,hili bind Ind benent the .uc:ceason Ind ...Ian. 01 Lend.. Ind Borro...r, ,object to the proviJiOIll oC pora".ph 17. Borrower', c:ovenlnll Ind .Iroemenl, .hlll be joint end llvetll, An, Borrower who 00..1'111 Ihis Securll, In.lrumenl bul dDOl not '..eule Ih. Note: (a) I. eo"I,nln. thll Securil, In.trumenl ani, 10 morlla.e. ,rant Ind oonve, thlt Borro...r'. Inl.....1 In the Properl, und.. the t..m. 01 thl. s..urlty lruUumenl; (b) " nol penonlll, obll,atad to pi' Ihe SUIlll ..cured b, W. Securhy Instrument; Ind (0) "Ire.. that Lend.. Ind .n, oth.. Borrow.. ml' a,..e to ..I.nd. modi"., fo,bell or mate Iny Ic:commodallolUl with r.,"rd 10 .he t..ma 01 Ihll Securll, Inmumen. or the Nole wilhoullhlt Borrow..', eonsenl, 13. loaD Charaea. It th. loan ...u..d by Ihl. Seoorll)' In,trumentls ,ubJect to . 1m which ..II maximum loan ch.r,e.. and Ihll Ilw I. finllly Int.rpr.ted 'a thll Ihe Inlerest Dr olh.. lo.n char,tI .ollected or to be ""lIe.ted In eonnectlon with Ih. loan exceed the p..mlllod IImlll. then: (a) .n, .uch lOin charle .hall b. redu""d b, Ihe Imount n......,., to redu.. the .harao to Ihe permilted limit; .nd (b) In, .uma IlrOldy <o1I.eted from Borlo"" which ..""eded pennilted IImlll will be rel'unded to Borrow... Lender ml' choose to make this reCund b, reducln, the principal owed und.. the Not. or b, mlkln. a dlreel plymentto Borre'''r. It I refund reduc:eo prlnclp.l. the ..ducllon will be trellod .. I portlll prepayment without .n, prepl,ment chlr,e under the Nole. 14. Notices. An, notice 10 Borrower provided ror In Ihl. Seoorlt, lnatrument shill be ,Iven b, dellverlnalt 01 b, mlilln,ll b, nnl d... m.i1 unle.. .ppllcablo law requlrea u.. of .nother melhod. The noli... .hlll be directed to th. Prop"ly Addre.. or .n, oth.. Iddr... BOllower de,I,nlt.. by notice 10 Lend... Any notl.. to Lender ,hall be ,iven b, fint cia.. m,lI 10 Lender'. Idd.... .laled h..eln or an, olh.r .dd.... Lender desilnlles by notice 10 Bolto..er. An, nOli... provided lor In this Securlt, lnauumont ,hall b. deemed to have been ,Iven to BOltower or Lend.. "hen ,iven .1 provided In this para.r.ph, ' 15. GovernIDa laW! Severabl1ll)'. Thl. Seoorlt, Inatrumenl,haU be aovemed b, ledoralllw and the II" 01 the jurlNflctlon In "hlch the Property I. located, In Ihe evenl thot In, provi.lon or clluse oC thl, Security In'lrument or the Nole connlclI with Ipplicable f.w. .uch connlcl sholl not aIT.ct othe, provialona 01 thl. Seeurll)' lrutrumont or Iho Nato which can be liven errect "lthouttho connlctln, provlllon, To thll end Ihe provlsiolll 01 thl. Securil)' lnatzumenllnd the Note Ir. declared 10 be IOver.blo. 16. BotlOW'Or'. Copy. BOlTOwer .hall be slven one conlorm.d cop, 01 Ih. Nole Ind 01 Ihl. Seeurlt, lnatrumonl. 17. Tnmfe, of lhe Properly or a Benefidlllnleral fn Borrowe,. It III or .n, part of tho Proporl)' or any Intcrestln It Ii ,old or tnn.lerred (or If I ben.ficill Int....t In BOllonr I. .old or tranalened Ind Borrewer II not I natulll person) without Lender', prior written con..n~ Lend.. mlY. It III option, required Imm.dllte plymentln lull oC III luma se.ured by Ihl. Socurlt, Inrtrument. Ho\l'Ov", thl. option .hall not b. ..erci..d b, Lender If ..e",1ae II prohibited by 10de..1 law .. 01 Ihe dlte Dr Ihl. Seeurlly Instrument. U Lender Cl.\crci.e. lhi. option, Lender shall she Borrower notice of acceleration. The nOllce .hall provide a period or "alloa Ihln 30 d.,1 flam tho dlte tho notice I. dolivered or mailed within which Borrower mU.I pa, all .um. ..cured b, Ihl. Seewll, InIllumenl, It BOllowerlall. to pi' tho.. .um. prior to the upinllon 01 thl, period. Lend.. ml, Invoke an, remodl.. p..mlUed b, this Secutlty [nltrument without rurther notice Of demand on Borrower. 18. Borrower', RJ,htlo Relnat.ale, II BorlO"er meell certain condlllo"" BOlla.... ,hall have Ihe rI,ht 10 have enloreoment of thi, Securllylllllrumont dlaeontinued al on, lime prior 10 Iho e..llor or:(a) , do,. (or .u.h olhor period.. appllcablo la" ml' Sln.le Plmily - Fannie lIflolFreddle Mac UNIFORM IN&mUllIENT - Uniform Covonlnll 9/90 (pa,e 4 Dr 6 PlIO') n :l .p.cU)- (or r.I"Il.lom."I) bO(o" ..I. o( lb. Prop"ly pUlIu.OIIO ,,,y pow.r or ..1. .0"lai".d I" Ibi. S..urily In'lrum,ol; or (b) ."Iry 0(. Judlm.,,1 .,,(orolallbl. S.curily la.lrum."I. Tbo,," coadJllo". .r. Ibu BOrlow.r: (a) p'ro l.nd.r all .UIU wblcb Ib.n would b. duo \lAdor IbI. S..urily lulrumllll .od lb. Nol. II 11110 l.c.l.ralloo b.d oc.urr.d; (b) curo. ,,,y do fault or illY olb.r 'co...liaJata 'or' Ilrum,"lI; (.) P')'I .n txp.a...,lo.otr.d I" .n(orct"llbI. S..urity la.lrum.ilt;lo.ludJDI, bol "OIUmll.d to.' "lIooobl. .ttar",)'I' (...; aad Cd) I.ke. .u.b ..110" II LlOd.r lII'y rolloa.bly roqulro 10 ..,u" Ib.1 Ih. Uen of IbI. SOCutlty 1".lrulll."I, Loader'l rilbU In tho Prop.r1y lad BOrlow.r'l obUllllo" to PlY lb. .um. II.urod by IbI. S..urlty lutrolll.nt Ibln conllau. WI.bllll.d. Upoo rol".III'aloat by B.rrow.r. IbIt S..urily 10IlruUl..I a"d lb. obU..Uoo. IIcur.d bereby Iball rolllal" (Ill1y.rr.ctivo 1111 "0 a...I.ralloo had "".urrod. How...r, IhI. rilbl to r.blll.la .baU 1101 apply I" lb. e... of ae..I.rallo" oader para.rlpb 17. 19. Sailor Not., ChIDlI' or Lo... Ser~lc.r. Th. 1'101. or I p.rllall"I',r." 10 lb. 1'101. (Io.elb.r wllb Ibi. Seeurily la.trolll."t) lJI&Y b. lold 0". or 1II0r. 11m.. wllboot prior oolle. 10 Borrow.r, A III. lII'y rolUlt I" a .b.o.e io Ibe .otily (1u10Wll II lho 'Loa" S.mc.r") Ib.1 .0D.......monlhly paYllloaU duo uod.r lb. Nol. and IbIt S.eurlty lulrulll.nl. Tb.r. alia lIIay b. on. or 1II0r. ebllllll of lb. lolli S.me.r uoulal.d 10 I III. o( lb. 1'101., I( Ibor. I. . .hao.. or lb. La." S.rne", Borrow.r will be .Inll wrill'" IIOU.. o( lb. .baaa. I" aecordao.. wllb parall.pb 14 aboy. and appUcabl. law. Tb. nolle. wiU .Ial. lb. nama and addu.. or lb. d.w Loa" S.mc.r aad lb. addr," to wbl.b pa)'lll."I. .bould be m.d.. Tb. noll.e ..;U al.o cont.ln any olb.r JalormaUoa "qulr.d by appU..bl. law. ZOo HazardOIll SubttaDc... BOrlow.r .b.U 001 caUII or p.rmll lb. prollnc., UII, dl.po.al. .Ior..a. or r.I.... of .ny Huardoll' S"bllanclI a" or In lb. Prop.rty, Borro....r ,blU 001 do, "or .Uow .nyo.. .111 10 do, A.)tbl.. alT.eUollb. Prop.rly WI 11111 ~aIaUo" of ."y B.nroam.nl.1 Law. Tb. p"e.dIllllwo IInl..... .b.U nol Apply 10 lb. prll.n... U'., or 'lara.. 0" tho Prop.rty a( .maU qu..UII.. of H.zardou. Sub.laac.. Ib.1 a" loa.r.Uy r..o..lud 10 b. .ppropri'l. 10 "ounal r..ld.nUaI 11..1 aad to IIIIlnt'II.".. of lb. Prop.rty. Dorrow.r oball prolllplly &Iy. L."der WIlli." nolic. or a"y l.y..ll.allo.. claim, d.m..d. Iawlull or olh.r acllo" by any IOy.mm."1I1 or "Iulatury a...cy or priy.l. party l.yoMnllb. Pr.p.rty .nd "y H.zardou. Sub.tlDe. or B"vironlll..I.1 Law of wbleb Borrow.r bll .clua! kDowl.dl', I( BOrlow.r loara.. or I. nolifi.d by AOY 10Ylr.m..lal or re.ulalory .ulborilY, lhal .ny r.lllova! or otbor r.lII.dillloo of "y Huordou. Sub.laa.. .IT.elilla tb. Prop.rly i. o......ry, Borrow.r .baII promplly like .n 11_....,. r.lII.dl.t 1.1l0n. I" accardanGe wltb E.viranm..tal Law, A. ulld I" thi. paragapb 20. 'H.za,dous Sub.lane.." ar. Ibos. .ubsll..e, defined a. loxle or b.zardou. IUb.ta.ell by Enviro"m..laI Law and lb. foUowl.s IUblla.e..: guoB.e. k.ro.e"., olbll flammabl. or loxic petroleum produ.u, loxia pootic:ldOl lAd b.rblold... yolalUa 10lv."II, mAtorial. co.I.lning a.berla, or formald.hyd., A.d r.dloa.tiy. m.leri.lI. A. ulld In IbI. p.ragr.ph 20. 'Bnviroam."laI Law' mOl.s f.d.rall.w, ."d I.w. of tb. juri.dlelion wb.r. lb. Property I. located lhat rolat. 10 b..llb, IIt.ty or .nviroom....1 prol.ctlan. NON-UNIPORM COVENANTS. Borrow.r aod L.nder (Urlher COVlDl.t a.d a.re. .. foUowl: ZI. Aculeratloa; Remldlu. Lond.r IhaD gin notlca to Barrower pri.r to accelerat/oll C.Uowlng Barro..er'. breach or IUIJ' conlWl' or .acreemut In this Security Instrument (bot not prior to accelerallon under paragraph 17 unless appUcabl. la\l prol'icle. othenril.). The aotlee shaD .peclCy: (a) lb. def~nIt; (b) lb. action required to cur. lb. default; (c) a date, a.t less than 30 days tram lb. data the nolle. fa glnn to Borrower, by which lbl deCault must be cured; and (d) lbat CaIIur. to cure lb. d.r.u1t aD or before lb. date apeclfied In the notlee may rel1llt In aceelerallon or the IWIlS secured by lbls Security llISlrum.nt, roreclosur. by)Jdlclal proceeding IIId .a1e or th. Property. lbe nollc. .haD (urther lnCorm Borrower or the rigbtto relnslal. after acc.l.ratlon ODd tho rlahtto assert ht the foredo.sura proceedlnl the DOII-exlstenca of a defnult or any other deCense oC Borrower to _alerat/on IIId (oreclosur.. U lb. default Is not cured on or before lb. dale .pecll1ed bt lbe notice, Londer at Ks 01'11011 ....,. require immediate pnym.nt 10 (Ill1 of all IIDIIS ..cured by this Securl", Instrument wllboul (urther demand IIId may Coreclou,lhIs S.curity llIslrumellt by )Jdlclal proceedlDg. Lender shall b. entllled to coUect aU expenses Inc:urred In Purauln& th. remedl.. prcnld.d In this p8l'llgrapb 21, lncludlug, buy DOt Umlted 10, .ltorn,,'!' reu and casu of tJU. evidenc. 10 the extent p.nnllled by IppUcabl. law. 21. ReI..... Upon pa)'lll.nl of aU luml lI.urod by Ihll Se.urily Inllrument. lhi. Se.urlly 1..lrume.. a.d Ih. .lIal. cony.y.d .b.U I.rmlnat. .nd becom. yoid, Aft.r lucb oc.urr..c., L..der sb.U dilcharg. aod ,ati,fy lhi. Se.urity lo.trumenl wilbout charg. 10 Borrow.r. Borrower .baU p,y aoy re.ord.llo. Call., 11. Wilier. Borrow.r, 10 Ih. .xl.nt p.rmlued by .ppU.abl. Jaw. walyes .nd rel.ale. a.y error or defectl in proee.di.gl to .0(011:. Ibla S..urity lallrume.I, IDd b.reby Wal'lI tb. be"elil of .ny proll.l or (Ulur. laws providi.g for slay of ox..utlon, oxl...lon of 11m., exemptlo. from .Ua.hma'I. levy and IIle. ."d bOlllelle.d .xemplio., 24. R.lnstatement Period. 80rrower'a tlm. 10 rei'lUte provid.d In paragrapb 18 .baU .xle.d 10 one hour prior 10 Ih. eomm.neam.1I1 of blddi". at . .b.r\lI'. .al. pUllua.tlo .bI. Securily 1..lrumenl. :15. Purdw. Money Mortga&e. If a.y or lb. d.bl ...ond by thi. S.eurily 1..trume'l II le'l 10 BOrlower to a.qulr. lltle 10 lb. Property, IhI. S..urily Inllrumenl sb.U b. a poreba.. mo.ey mortg.... 26. Inlerest Rate Al'ler ludptent. Borrow.r agre.. tbal lb. interest ral. pAy.ble after a judgme.1 I. .n.er.d 0' tb. Nola or I. .n .cllo" of martea.. fore.losuro sbaU be lb. ral. p.yabl. from time 10 time onder lb. 1'101., Fonu 3039 9190 (pag. S or 6 pagu) (1 () 21. RIden 10 thIlI SK1II'IlJ llutnllneaL I{ 0.. or moro ride,. are executed by Bo"owlr and recordod tOlothlr with Ihll ,Soouri17la'lrllmeat, tbe c~eDll"U aad e.r..mlall 0' IIch IIlch ridlr ,.haD bo laoorporalod 1010 .ad .hallalDoad aad OlIpplomlat tho conaaau and a,lIomeall 0' IhI. S.curlly InolNraoal II I' tho rider(.) wori a part 0' thl. S.curit)' lallrumoat, (Check applcablo bOlt(II)J o Adjullablo Rato Rldor o Oradulled Pa)1l1001 Rldor o BaUooo 'Wor o OI,\,r(l) (lplcllY) , o CoodomJalum Rider 0 1-4 Family Rider o Plaoood Unit Dovol!,pmoot Rldor 0 Blwookly Plyraool Rider o Rllo Imp,onmont Rider 0 Socond Horao Rider BY SIONINO BeLOW, Borrowor accepl. .nd "'"'' to Iho lornu ecnulnld In p.... I Ihrouah 4 01 thll Securlt)' lnIllumenl ond In on)' ridll(') "Icutod b)' BO",)Vllllnd recorded with It, W1tne_: ---7 ~7 c:::::::. ?~//: ./ , A < 7r j, iJ 71..... 4f?~~m1-~ -'ROBBRT J. ARDN R ~ c;f ,{jQAO~ DONNA L. GARDNER (Sui) BaIT.." (Sill) s..._ (SoIl) Bonow., (Seal) _It COMMONWEALTH OP PBNNSYLVANIA, j)CLt.Lp~L~ n Counl)' os: On Ihl., tho ,}. t.f day 01 lV.A q"r::,+ I C; 9')~ boloro me. tho un'ilersl.ned officer, personall)' appeared ROBERT J. GARDNER and DONNA L. GARDNER to be tho porson thlt whO!O name known 10 me (or saU.lactorily proven) IUbscribed to thl wilhln In.trumenl and acknowlcd..d execuled the ,"me lor the purp"'" Iherein canulncd. IN WITNESS WHEREOP, I hereunto 101 my hind .nd olOci.1 ....1, M)' Commlalon expire., NOTARIAL SEAL STACEX 1\, FOGLE, ~.lC:::::' P~tl'c fl.arnsbciC. [;Zupn '..,;i,,:\' '. . ....CCmml.s'onE:.~lr'",n.. ". '.J"'. I '-'1 I.. I .,....,) 1.,;...... ...., . .... ~ ----- 11110 .r orne. CBRTIFlCATB OF RESIDENCE! I, b1anL do hereby corU". "'at the correct Iddr... of the within n.med lender Is 2300 E. LINCOLN HWY STE 609, LANGHORNE, PA 19047 -it (l)lL !J6!&1.!/)~ / / Witne.. my hand lIus do)' of A.cnt of Lender Fonn 3039 9190 (paso 6 016 p....) 1ilJ006/005 RECEIVED: a.28.GB; 11:31AYj '06/28/96 11:44 215 9~6 6329 u BllEA .. BIIEAj I~ t!215 966 6329 CONTI COl.lJWTION If you do not cur~ the default within TIUltrY (30) OA YS.m wc inlcnd to cxercisc our right to Ilccelerate the mortgage plIymenls. This meWlll \hOt whatcver i8 owing on thc origiaal umllunt horrow~r will be considered due immediately lII1d you may losc Ihe chlll1ce 10 payoff the original mortllalle In monlhly Insla1lments, 1f full payment of Ihc amuunt of default Is not mude wilbin THIR'I Y (JO) 0/\ VS. we also intcnd lo Inslruct uur unorneys to slUrlu lawsuilla foreclosc ynur mortgaged properly, If the mortllllllc is forecloscd. your mortgaged property will b~ sold by the Sheriff to puy offlhe mortllagc deht. If we rcfer your cllsc lu our atturneys, bul yoU curc Ihe dcfault before Ihey begin Icgal prnceedings against you. you wl\l still have 10 pay the reasonable attorney's fecs, aet\llllly incurred, up 10 S50,llO. llnwerer, Iflellal proceedinlls are started agal1lll1 you, you will have to pay the reasonublc attorney fecs evcn trthey are over $50.00. Any attorney's fees will be added 10 whalever you owe us, which also may Include our reasonubh: costll. Utlomey'A fees. We may also sue you personully for the unpaid principal ballll1ee lII1d all other sums due under the mortgage. If you have not cured the default within the thirty day period und foreclosUfC proceedings have begun, you will .,iII have Ih" riohl 10 cure Ih" defaull aod prevent . ' , , It is eslimated thai the earliest date that such a Sheriffs sale could be held would be approximalely three months from noW. A notice of the dale of thc Sheriffs salc will be sent to you before the sale. Of course, the amount nceded to cure the default will increase Ihe longer yuu wait. You may find oulat lII1Y time exactly whal the required payment will be by colling us at thc following number 800-635-9698. You should realize thalli Shcriffs sale will end your ownership ofthc mortgllged property und your right to remain in it. If you continue to live in the property after tbe Sherifl's sale, a lawsuit could be started to evict you, You have additional rights to help protecl your interest in the property. yOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTArN MONEY TO PAYOFF THE MORTGAGP. DEBT ORTO BORROW MONEY FROM ANOTHER LENDrNG INSTITUTION TO FAY OFF THIS DEBT. YOu MAY HAVE THE RIGHT TO SELL ORE TRANSFER TUE PROPERTY SUBJECT TO TIlE MORTOAOE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TIlE MORTGAGE DEBT, PROVIDED THAT ALL TIlE OUTSTANDrNG PA YMEN1S, CHARGES /\.NO ATTORNEY'S fEES AA'D COSTS ARE PAID PRIOR TO OR AT THE SAtE. CaNT ACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEfAULT CU!lliO BY ANY THIRD PARTY ACTING IN YOUR BEHALF.. If you eure the defllult, the morlgage will be restored to Ihe same position l\.~ ifno d~fllult hud occun:ed. However, you are not entitled to this right to cure your default more than three times in any calendar year. CONllMORTGAOE CORPORATION "y~~w od Oebra A. pond Fnreclnsure Cllordinulor a1~ QIlD a32i1 u SHEA I SHEA; 112 eZ15 088 63Z0 ' CONTI. COI.I.f.CTION 141 UOZ/005 Conti Mortgage 5lXl Enterprise Rood. P,O. Bo~ 973. HaMom. PA 19044 (800) 635-9698. FAX (215) 9~29 DUld14/01/96 NonCE OF 1I0MEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT 9\ OF 1983 ....................................... Robert J. Ourdner DOMa L. Gardner 317 Enfon! (tolld Cump lIilI, P A 17011 Pl.EASE READ THIS NOTICE, YOll MA Y IlE ELIGIBLE fOR fINANCIAt. ASSISTANCE TOWARD YOUR MORTOACiF. PAYMENTS Re: Account Number 1737337 Property Address 317 Entord Road Camp 1IiII, PA 17011 Your mortgagc is in DEFAULT because you have not made the monthly payments which were due os follows: DATES DUE 04/01/96 and 05/01/96 TOTALlNG_2 _ I'A YMENTS AT $_1297.87 _EACH = $_2595.74_ OTHER AMOUNTS DUE_Lale Charges _ $_.64,89 THE TOTAL AMOUNT REQUIRED TO CURE TIlE DEFAULT IS $_2660,63 ....Al'TER_06/0l/96_YOU MUST l'AY$_3958.50_...... You may be eligible to finuncialllSsislllncc that will prevent foreclosure on your mortgage if you comply with the provisions (If the Homeowners Mortgage Assistance Act of 1983 (Act). You may also be eligible lor emergency temporary IIssistance if your defllult hIlS been caused by circwnstances beyond your control, and if you meet the eligibility requirements of the Actns dctcrmined by thc PennsylvllOil1 Housi.ng FinlUlcc Agency. PLEASE READ ALL OF THIS NOTICE. IT CONTAINS AN EXPLANATION OF YOUR RIGHTS. Under the Act you arc entitled to I1tcmporary sluy of foreclosure on your mortgage for thirty (30) days fmm the date of this Notice. During that time you have the right to arrlUlgo u" ruce-Io-face" meeting with a representative of Conti Mortgage, or with a designated conswner credit counseling agency. The purpose of that meeting is to atlemptto work oUla repayment plan. or to OthCrwillC IlCtlle your dclilllllU:DCY. THAT MEETING MIIST ocellR WITHIN TIlE NEXT THIRTY (30) OA YS. I k:.-nMd ...ort.... Oanlutf NV. UanlUng Oept ,lktnMd PA Mot9l~ LWtd.,llcenUd MO Mortu. lomdo',lic.nMd "lftuMllu th. HI HI".. Lnan L.w, Utlt"MdNJ I.bt~l."dtt.t.a.n.. I'."HI lAd 1101774, C1A n.....nliaIMoflg-o-lk........IL II.Jkltnlt&lMortglQlllOln UOMl..., Al~' KanMrt Lmn.. '1M41.M.\ ~ lMdlr MI 0:ze.J. CA Oape 01 J.aI E...I.lJetnN. * PrWtd on IKVdld paper EXIITllI'J' "Il" AECUVID; a-ai-Val 11 :3eAWj '08/28/08 11:43 216 van 832g u ailE A I SHEA! U 0218 988 8329 Cll~TI CIIIU:CTIIlN IilIDD3/DD8 If yuu IIllcnd II face-Io-face meeling with ConliMOJ'lgDllc ur wilh II consumer credil counaelinll IIlIcncy ldentilied in this Notice. no further pruccedinlls in muJ'lgalle furcclosW'll may take place for Ihirty (30) days IIller Ihe dole oflhal meellng, To schedule a meeting wilh ConllMurlgDge cunluct: Debra A.Pond,Foreclosure Coordinator, 500 Enterprise Ruad, Horshwn. pA 19044, 800-63S-969R. The name and addrellSes of designated consumer credil eounsclingllllencies arc Included on Ihe enclosed Iisl. It is ollly neccssary 10 schedule olle fae<:-Io-face meeling. You should advise ConliMoJ'lglllle unmediately of your inlenllons. If you have tried and arc unable 10 resolve this problem ai, or after your l'ace-Iu-fucc meeling, you have Ihe righllo apply fur lilUlllcial assistance from Homcownen Emerllency MnJ'lgage ABsistance Fun.!, In order III do Ihis, you musl fill oul, sign and file a complcled Ilomeownl:rs Emcrgency Assistance Application with Ihe pennsylvania Huuslng Finance Agcncy (pHf A). The consumer credit cuunseling agency will assist yuu in filling oul your applicalion. IT MUST BE FILED OR POST MARKED WITHIN THiRTY (30) DAYS 01' YOUR FACc-TO-FACE MEETING. You musl either mail your applicalion 10 Ihe PHFA al2101 NuJ'lh Fronl Street, 1',0, Aux8029, Harrisburg. pA 1710S, phone number 717-780.3800 or 800-342.2397; or you may file at the office of one oflhe designaled conswner counseling agencies, An applicalion lor assistancc may be obtained from a conswner credit counaeling agency or directly from thc PHI' A. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICA'I10N PROMPTLY. IF YOU DO NOT no SO. OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS NOTICE, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. A vllilable funds for emergency mnJ'lgage assistance are vcry limited. They will be disbursed by Ihcagency under the eligibility crileria establishcd by Ihe Acl. IT IS EXTREMELY IMPORTANT TIIAT YOUR APPLICATION IS ACCUR.t\ Tn AND COMPLETE IN EVERY ASPIlCT. The counseling agency will help you to fill out the application, The PUFA has 60 days to nutke 0 decision after II receives your applicalion. During thai additional time. nu foreclosurc proceedings will be pursued agalnsl you if you have mclthe time requiremenls sel forth above, Y nu will be nolified directly by thai Agency ofil's decision on your applicalion. In addition. you will receive another notice from ContiMoJ'lgagc under Acl6 of 1974. Thai notice is called 0 "NOTICE OF INTENT TO FORECLOSE". Yuu must read both notices since they both explain righl5lhal you have tinder Pcnnsylvl1llia Law. If you ChOOS8 to exercise your righls described in this nUlice, we cannot fureclose upon you during that time. Also, if you receive financial assistance from PHF A. your home cannol be forecluscd upon while you lire receiving that assistance, CONTlMORTGAOR CORPORATION /) I BY4!I/;/VU;/ Debra A, Pund Fnrec1osun.' Coordinator )( IOU ./,y/ ~\, \JJO -.:; 1 KNOW ALL MEN BY THESE PRESENTS that Rllaurcl ani Canlumlr Dllcaunl Ca.. Inc. lar canlldlrltlan paid. da.. hereby a..lgn. tranlfer and let aver unta . ,," IIMOR IllMIC CORpORATION . ,I hltf)'rlse RUld II "iI;'IH.II^I9I~ \"U'''lllllf'''\'tllllll'II,U I .. . '.. ""101 Sultl lOb 200 flJlt R~. BIdS 11; WI,.., PI 19081 If?"" / Assignment af Mortgage thll cerlaln mOrlglgl d..d detld Au....l 24, 1995 'rom ROIIRT]. GAltDNIR and DONNA L. CARDNER. IItS WIFE JI71RfOllD ROAD, CAMP HILL, PA 17011 E. Pennaboro Town.hip, Cumberland County, PA to RllourCI ani Canlumlr Dllcaunt Ca.. Ina. lIIed lorrecard In the alflce 01 the County Clerk of Cumberland Caunty, on the i't:.<- dsy of S cPT. ,1911. at a'clnck moo end recorded In Book/~f'/of Mortgag.. et page 7'1 01 the records 01 said county, togethsr with the note or notes therein mentioned and all Indebtednell IIcured thereby. DATED thls.1ill. Day 01 Auguat . 19~ "I~~I'I1;,.... ~;,t~.~ll ,I:""", ',(,1'1;(~'I;i;t,,, ' ......, ,r :l,?IIr,',I" r/ . .',fj I':' 1 ,,'! 'l g" i ~.~)i I, , . . . . . ~(_ , ii.l~' cd, rei dent I~ ,."'~..Ij".. .', -'.al' . '~;:;'" " Da!\l Resource nsurner Discount Co" Inc. ACKNOWLEDGEMENT IFor Individuals' STATE OF County 01 On thl. dey al ,19 . before me. the undarslgned, a Notary public for eald elate, personally appeared personally known to me lor proved to me on the basis of setlsfactory evidence) to be the person Is) whose namelsl subscribed to the lore going Instrumenl and acknowledged that e.ecuted the sam., ~ WITNESS my hand and official seal, ' ~ Signature: '.. t'J I',' -. , '. .' - ", Name ltyped or prlntedl My Commission e.plres: :n , ' ::3 f". '.:' I c.c .~ I' '"., (...) -. I' o ACKNOWLEDGEMENT (For Carporstlon) STATE OF PA County o'/VfJf~ On this AUIUII 241h, 1995 , before me, the undersigned. a Notory public for said slate, personelly appeared Dsnlel JUltlce rho I e.ecuted the within Instrument as Pr..ldent and... ';( l~U )/U",d- who e.ecuted the within Instrument aa Vlcl Prelldent p6faone)ly known to me lor proved to me on the balls 01 latlsfactory evidence I to be tho persons who e.ecutad the wlthll1lnatrument on beha" of Iho corporotlon theroln nemed, ond scknowledged ta me that such corporetlon e.ecutod Ihe within Instrumenl pursuant to Ito by-laws or 0 relolutlon of Its boord of dlrec ort ') WITNEIjS my hand and o!f1clal aeal. Slonaturel ,(' ZX;, v-J-ti L 1-' , "I'~) . _. NI)f Il/'\lllf'" .~ ' l,i'i~~t' I'IIllr1(.d'.,.I.." ~':I'Y'''''''( " j',' IrtJ\. ~., 1'1.",1, i j., '.1\( ,~. No Jllttdclll.'Slllnll!!!": ! ,~~ 'll, '1"\' ',' M C I I I ',:J4'I~~ ..1f ' ,,;:/. r, ,_ Y ornm 88 on exp ros: .........,........ a., l~ .,,'lo.'. ' """, " I U "', ""..';'.': ' .A.I.<4,...... ........... '~..' ,. "J'11 r;~~J I^" Ii:ll EXHIBIT 'E" DATED: .s/ZtllJ " ~~//2.~~ Michael c(anchetti Default supervisor VERIFICATION I, MICHAEL CIANCHETTI, being duly sworn according to law, depose and state that I am the Default Supervisor of ContiMortgage corporation, plaintiff in the foregoing action, and that I am authori?erl to make this Verification on behalf of the plaintiff. I verify that the statements made herein are true and correct to the best of my knowledge, information and belief. I understand that the statements are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ',."~ >i'; !~, J~; 1~:~. ,~., ts ,~ ~ ~ M i~ ; ~~ g ~ $ ~ ~ iP1 o ~ ~~ fil8 Bi ~~, ~ , ~ ~~ .....::::t "l '"" ~ ~ , , ~ ~3~ r:J~ r?~ Q~~ r! a ~ ~ IV\ l'C') ",,__u..:. 'i ~ ~ ~~~ Ii!: .- 0 ~ 'tI ~ C! ,~ :3 8 P'. U 9 II ~J I '~ a C . ~ - zr.. ' j ~ ~ a~ i;i~1 P'. . ~~ .. l: ; ;. ~ '" . = Z tot E-tH a z,o " .. UP'. .. 3 L is . ~~ 0 o ;- 8 :E: III 5 : ; ! III 08 ~ l> P'. = . '. . . . SimA ASI> SimA ...TTORHltV" 11 I AT l''t' ."'t'N Jo4..",,~LIOTT AYINUI . ..CNNMYLVA '.101 lU7...000 HI" 19010 .