Loading...
HomeMy WebLinkAbout07-1345IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. PATRICIA R. SHELLEY, Defendant. AND CIVIL DIVISION No. 1 34kg 6utt CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff LEE SAURMAN AND PATRICE SAURMAN, Counsel of record for this party: Terre Tenants. Brett A. Solomon, Esquire Pa I.D. #83746 bsolomonAtuckerlaw.com TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh , Pennsylvania 15222 (412) 566-1212 I hereby certify that the property to be foreclosed upon is: 35 Highland Drive Camp Hill, Pennsylvania 17011 Township of Lower Allen Tax Parcel No. 13 "-0 -514 Btleff A?Solomon, Esquire Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. vs. PATRICIA R. SHELLEY Defendant. AND LEE SAURMAN AND PATRICE SAURMAN, Terre Tenant. IMPORTANT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. PATRICIA R. SHELLEY Defendant. AND CIVIL DIVISION No. t LEE SAURMAN AND PATRICE SAURMAN, Terre Tenant. COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES the Plaintiff, PNC Bank, National Association, by and through its counsel, Tucker Arensberg, P.C., and files the within Complaint in Mortgage Foreclosure, in support of which it avers the following: Plaintiff, PNC Bank, National Association ('Bank"), is a national banking association organized under the laws of the United States of America with a principal place of business at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. 2. Defendant, Patricia R. Shelley, is an adult individual with a last known address of 35 Highland Drive, Camp Hill, Pennsylvania 17011-7514. 3. Terre Tenants, Lee Saurman and Patrice Saurman are adult individuals with a last known address of 35 Camp Hill Drive, Camp Hill, Pennsylvania 17011-7514. 4. On or about December 11, 2000, Patricia R. Shelley ('Borrower") executed a Home Equity Line of Credit ("Note"), whereby Borrower promised to pay Bank the principal amount of $45,000.00 plus interest and other amounts as more particularly set forth in the Note, is attached hereto and incorporated as Exhibit "A". BANK_FIN:293645-1 000011-131498 5. The obligations evidenced by the Note are secured by a Mortgage dated December 11, 2000 ("Mortgage") given by Patricia R. Shelley ("Mortgagor") to Bank, granting the Bank a lien on certain real property located in the Township of Lower Allen, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded in the Office of the Cumberland County Recorder of Deeds on January 2, 2001 in Mortgage Book Volume 1661, Page 229. A true and correct copy of the Mortgage is attached hereto and incorporated herein as Exhibit "B". 6. The Borrower is in default of the provisions of the Note and Mortgage for failure to make payment when due. The Note is due for October 10, 2006, and was past due in the amount of $1,602.04. 7. The Terre Tenants are the record and real owners of the Premises. 8. There has been no assignment, release or transfer of the Note or Mortgage. 9. On or about October 23, 2006 and February 2, 2007, Notices were sent to the Defendant and Terre Tenants in accordance with 35 P. S. §1680.403C (Homeowner's Emergency Mortgage Assistance act of 1983-Act 91 of 1983) and 41 P.S. §403 (Act 6 of 1974 with Act 91, the "Acts") that an action on said Mortgage may be commenced after 30 days from the date of Notices. Said Notices further advised Defendant and Terre Tenants of Defendant's and Terre Tenants' rights and obligations in accordance with the Acts. Copies of the Notices sent to the Defendant and Terre Tenants are attached here to and incorporated herein as Exhibit "C". 10. The amount due to Bank under the Note and Mortgage as of January 26, 2007 is as follows: Principal $41,331.28 Interest through 1/26/07 (continuing thereafter at 473.19 7.6321 per diem) Late Charge 115.32 Costs To Be Added Attorneys' Fees 1,015.00 TOTAL $42,934.79 BANK_FIN:293645-1 000011-131498 11. The total amount due to Bank under the Note and Mortgage as of January 26, 2007 was Forty-Two Thousand Nine Hundred Thirty-Four and 79/100 Dollars ($42,934.79) plus interest accruing from August 25, 2006, costs and reasonable attorneys' fees. WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Forty-Two Thousand Nine Hundred Thirty-Four and 79/100 Dollars ($42,934.79), plus continuing interest at the contract rate, late charges, reasonable attorneys' fees as authorized by the Note and costs of foreclosure and sale of the Premises. y:CKER A BER B : Brett A. Solomon, Esquire Pa. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff BANK_FIN:293645-1 000011-131498 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. PATRICIA R. SHELLEY Defendant. AND CIVIL DIVISION No. LEE SAURMAN AND PATRICE SAURMAN, Terre Tenant. AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA ) SS: COUNTY OF ALLEGHENY ) I, Brett A. Solomon, Esquire, Attorney for PNC Bank, National Association, beings y sworn according to law, hereby depose and say that the Defendant, Patricia R. Shelley an Ogre Tenants, Lee Saurman and Patrice Saurman, are not members of the military service of th to States of America to the best of my knowledge, information, and belief. Sworn to and subscribed before me this day of February, 2007 My Commission Expires Brett A. Solomon, Esquire Attorney for PNC Bank, National Association, Plaintiff COMMONWEALTH OF PENNSYLVANIA Notarial Seal Kelly J. M'izaK Notary Pubqty Of P'?burgh, Allegheny MY Commiss m Ev,)-- ?s May Member, Pen:is,rN=s-.- . , . , : -of !Notaries BANK_FIN:293645-1 000011-131498 VERIFICATION I, Darnella Ganaway, Attorney Relations Manager, and duly authorized representative of PNC Bank, National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct upon my information and belief. Attorney Relations Manager PNC Bank, National Association OLAACS Number 8669aS6 HOME EQUITY LINE Of CREDIT _ VARIABLE RATE ACCOUNT W WIT IN LDJOrIC THIS DIS SIRE STATELIENT IS GIhEH TO ORREMER wn. MID 5 P?RiL GF, THE E CEIIER4 CONDIiIMIS 0: THE ACCOUNT THE GENERAL C Nw1G4q'TNIS DISCLOSURE SUIEMENT AIID THE DLS WjFE STA MIDI GN THE REVERSE SIDE SHOULD BE READ TOGETHER AS ONE OOLt1ME5?[xf (,f?alE'ALREEftfM'I. " i IREGAARA000UNT CO I . jl a. ; 19 err. ,aNZac4 A;4 . Ila S.ref.- 0.250 cke l I b me.:nn asnve p, n.d wi w .m..,; ti/ut1:[s nn a oernGlfe pur,o C1W fiitio.•. PREH1lM t.1o-e Me are ?,r. a:tw.,t bemne erertree: ACtoUfa ( 1 Eau!t.Or4F _ . - .?.. ESenf4 - >< 1. OTHER FINANCE CHARLES amgrN Lff".-..'";FMC hank. 2421,20nal AtaOCiation p . K Dw . Il; 2000 Pao,*M Dow Oete 10 AaaA : 4003049 .: 014303292 b w,r our ra use er.r serve M . e.t acrnnv o car me Lowe arwnt> "'^'aAG?V1A1c $45,000.00 . Nmed sT: PATIUCIA R wimaxy .. 2CIOSMG COSTS " AmwN 35 HIGFD 1(ID DR ? • c _ r' CAMP 1GLL ?A 170117514 - - FOMENT OPTIONS f TET S'1+!s;l+e ar,d Ienefi 8 AHHUAL ICE T ) !l: abd;jrle ' I _ I trw_a Onlr a•.r.?= me Dn. aem I J ;-ua F-: S E i PA?y.+r„le• a,nortvru"I CHMatd 1p Cnecrini AMmo i M A-.1 Fn .:U be cjagw TO 25'00 acowrA OunM me I:nf DOLn= Ore,arat iemOOin [: 1.1 yES ( 11-0 cyal Im . Ire Les: A+r.1 nac. 1.86.4 peen anrwrnar m 2 Tee ,n.. en ni:i kmn ..urran vawol sea ar+r, ,o ar,b,n=. i r ,e a:ea.ne canna SM 0n. Pa.,ca. I R I Tee %+r Fee .ul rv x efta,,jo C-rq any year mat. on err 1],ea,?s ?Im nl Num2er. 5140363939 ? ? ? a,aln Iv -,TM ACRLtL you it, eat,R* Wr 3M CW0 acmrrt 6~,ta ?? '. { :le Eeretnw Mag,.,t 3er4rl, ?den,l,e0 in :nn Atrre,.,w- - .. ='t o PAa+ CIA R S'r3TJ'Y ( j TM . nTsl Fee .Ib n3 0 Waea eur,na the fuL sears or O,e Ora. Feriae. b-0 Oats Aber Raw 30%e coy IMANNUAL?ERCp AO RATE 990 y oer Spy C. SX? PAYMENT FEE ( I ua a0oirtabk . "?o"A3a?=1'.260 Dt,yarate cores I RI S•ao Paymrn Fee: S Is 00 AGIII] M TIMM IN Yst W&GAM eA alt. 10 1`3 Ar7ecwy o oeardgC at :le W d , e DW , S t L Aa031R S'RS' We law esUN.1Nd Mc Amesv b roe •? + I l"onoww Ole in Illy annYra See I" AWM r,x aj/ mt tlM owls s FOaw w . Lk*eM hn at. L aININUY YONTNIr, PAIY(Rl T1,e M.Wmae IASI,Wy Pal,e+n nd tr 11ut h Ora 6m a- Is 60 Dy •renE Gyats in aearnh .1 M Ica Day SIM or Of Ur MM ie a belve MY Par *% rob. 0+:1. II y% Ralf 3.Ie"a0 b hem T1t -en ntsr t p v ?vftci1FNM T Demo. T1n Navy, Is b W:=yIIa amG Cj:M WON Feaatlg waraeQ>reanr v:ta} t i jr(d le rov Owtial Attbum mad=" a MLA 'e h fw*M our Dne -A MMM- M L•+renun M=W1 Parer) -S Irler be L a. A+oK bwaadMy AIlIa worm Ora rya Len w W. 4,.~ son. AracbaYt•?tawAdMpera .Pen Pa re Maser : n nle emee ollnjnGoa 43 Dvn,=1M a Ol ilce a da4ti:etb b t A,t aaWOt r rat OF. Ilriad, Lk - W t u N * ee Fly f TOM n On. Ormfir Fwlbd voloook OWN, odoo ra Lutcare WhO une wi• hwd lNr -' na..rar MRa'J. a Me haft dra Catled •h7l' Iald M Lora . xmmw Malayhyg,.q . a bt Yy IM ntl Pat cut PPA my N(1.1e14 anaue •t,% i3 O/lerlrt"d If TOj,. . 4 tttACled aOltReW hf?rs Cyoo. iL 2w Mn+ela d IM at tlmr eOdl O Ib1 all tilmEe Ey kY?t ry 4w h o 011-4-1 apt lnl-st.Mhim thrlO:M rO0 W tro 1eM= S+Innr t N Oy . OT mtr w h ce ?. O F aeA ei swdb labsbl?Me 11t Mo., of tly rspyn',Me, the I drat T ed re"d x= at to Old 0. N by 1D Penn b err Deal. m fora rip AM d ft One Pnea Ana a ms A.ar ?e Rat20 t w Mil 'd k ai al, 41 Kw HOT KM nnte Uj Mf. lm senu geeyyn. J anF. IN blame dollong Here d we vck Ib t M 4M Owats) .IqA Nre w at low 51 tl 08n 02 ' "53 Iy2Pa W tM i+mOptl 9Yerrt al ow pro at IM llhnl a OL b0 rip 1br 1TtwO i WWadr PaIIMRb nor Saar eR apSpn 0ID Trn (2) trt e: I G) 5 2500. III M[ Oily. O you Nn w,oUn Ole I%Rea 01111 pliffoat opt" ateIAaOA/cmblIDabjtlIlarda afOpol aN bakfacalp e ' 4 ? OAdd •bO1 . th prm.4.,n Wbt ll,etale lM Fn alrA ((C't6t MNlkt d a0 "Ir teallu4 f A.F. y, N kftal M4 yb!r ? m NI n an a Y T s 8=0 a 59 , at rU1a0. OIM em ss,ed " a m is ter LAN 16y RwPYuAa Ana reta.e0 by is C "q ft On. Pe„oa ..a. a * w Me . c'm r l r L1,+,ed -0 nim ary I mW droll M key{ tTOa rt sa,eII 12p a ., Ylbr Yla d t f.heed. trtyetlpnlpd b Olt b - Z Salim r,il r tet : +, N Oeall me bbrleM ?yaoa, Fa YCA Pma11 aadu"A McAralon a t44 a lad the kwDim? cylk OF at RMywt Onfa 2l l.J mp w 7 J:d, Deem a mlerd p Fou a rna.aa b1 at+Sy fAC atbaat k liwelikd a d•++.?,E &OF XMIJ eta IWOW n1sxea Of se0l lR prdlEiodeF3alpeli slpmideg l i Y be any iwiaR3 plsl cue Old V* proem w: ITT tk caw Of der Fwnte OW". ayOe,OSenme pewvL IT My, Ana all Jere d epOLUbk ryut ra r l teeiml Ja=IMMewl n(rAi nelsaba a0pramd be Nr Shat rl,ru could byut lPMspetw wrArd,nl Calf Ujr(q) .0th bare amutd dtrinl the WE Cy pM I 'I:Dm h 9°a?. .. '".. . A Me urnW Beane al Tepee Of tRt uO ken stray in t. R 1 OrOOAASTa PIlIl1(CT10N. O YOU NM .4td OrayO Pacema a N N *k SCOW- M4 a at7ad If.-, plKilr A®raq eWIM3 Piled. a(p$2500. rl ?epaywa U You Pr an aaa" gaily, than a Mara, MenfhH h . i . h bras dai01W a -vbWmy 1'cA wlpltb. ft CAEWj ARamL edla by eOlsa b iw ad O r " wany,aedll and Nd rMc we Grim r 112 We PYOHK aro Ira all new"-6w be reaped CDC64 pa V tiap UM*4 h a nt th e we l Aemue a in goo, ale W. an oey Oa• Ot t b.Obrlsl:j0rlaa The mauve abn R ?OP:xT d = Le e a j not "3120 Ta gray pale 01).Ms in anF am" I. asess al the si e t dog be Whit fan sm/deenM Ybe.m P. bel were COyt?jr=5 Amrt; Mw" tObbAaba•OOe $1.00. Haw the arpram•w".sal dW milm aamNF ?aprn IRS nay pey IM "LOW batare a ally on 01 d n any her p ww Wt Y1u per, w dent IM viokln, abthir F.JOH t . ia 40 am on MM We enA carat the a:araa" 01 d?f,l1appO tlabo ra .toot aN wr.r aaw s .YMaOr rtb wrylMne.Y.OcauL WAtSllr lerwiYlien.4 maanaags Lrrw:d aerie`bw 0?- hrwain aen mt pl.rtlai Aaaey3a d.d mad sec no WOOlsawill ArowOs acted tra akaOev, Ca40e s even .mad rot M- d AaA? pydirt5.4taa1R -1:1. -ft" an repel d I. s +aanance .O me *W--aen d Lcmun Uen. WwA . If NMplbl Met Ln IM R%21U MOL IN 64 aebb^ Of UkObOO; Ua Irr??um MrYtlr PiFrjfK IM 1"+, cltk u .2gi 14 Ltr? x : I A r w?ewaA pale FsaO aM IllA ald IIA A Alaa3re2uttta eswna:et:.0, b,e!drail.1,a. IPlbige Pew/ NOT -I Wall ATSr W..W. Of w 0 Here Y n acoet vvt O< a,ade,d b h 1 ryta Sant Roe Iha• pmw aro d uero .7wt3 leer be C2...fOad la be apolnE llR ReNIOfd Feral ll DU{. asavn H 1;; ,.. w1 eae n. a P + 1 P rlsae Y ll tlbno b ma a06.1C, W F.M. Ow l"d 1< Mbitld a d ft hd d [[ gy? rya Mm eel pr not n an[n TnmrHba, prNnaro et fub3!'? eat WabW 10Dwrh tM 3 Me er w rte sA+t raeb n me LOSOO t a? III alloat b CNA+=e IleteL lit Erjxt l7+aK betja! score m VOq trk Reyry.n PIMP. .y 7entYOGt IM :.rmuw Monmtr hrnRrgl 0,11 be YLyWec d jcc=mt "h IVA W.,En?7 Ynts3 on r deTaO W d pmltd 17Itm ataanl Dot a eA tow G3ibl ?h oWa=btleldadalbl ra a rot eCi a FwM1pe part .< .aaae our ri;h2 Writ, lWkzWWreyn d t1e aR3lMdnl ijknCi .Juan . d air b+;Ilelar•r it. Oa,o ON Mica 0. r-... DaK b a IWA;,121, 111U Y ".!evere . S. (OWINCHARG(S Crl?aWilyW area aw Hance cow b me'AaeR! DAN Biwa, 4dt6,S.:N se o-vba'w#=We daei ra W+wlque, IF n . DI Cksibt Cslta 0ItNUbIL .e d wart Sou ds-g ®M a !rte Ira ,10a E' ' ' i " peA.vedeyT6alaeoa.e sip M 0epn noaO-meat sa®Utan der W add we rr. A7ea ra amd nil G3; and -W a AOy PPtm er ipaa/a set I" abet. c 7a 4 Oblm(foa MFLan I%' Lett polls. Tre ad Uurp TOO a lilt Dally aid b the beaff at SMOO a b r n % Obd4 W MoOm I.tl ede Owmsra 7"VM aro orpaa Ewta Cb J ' +e aeta p l cl e e ?afmt:n by, um .r n anF M -- Wamry Pa) m" a M -it am 15 dari e a as Ore Ib Ulm O eps, w e• W.vo,asa 41A Thra.e dad Oenr9e hry a*- be Yal bo do c m 6 d at. .i h am a Met reran I" sm aWee Malec R A t 7 e by 0. LOW neap IT Agee b ae gtdtlbl7aanN aft Aenl1 OYr 014nre b w fb GtaAny Ik fia.Y ClarlL ile N mi ti at R • R a2n>'m24 U. Ute pap auma on an mM id LeV 1:tL Abe Gob-'s by ysu. bill, e..t bW.en a W4 etWli a due. '. . A p J rt L for Oast etas by b•'A'drlFt It Aerate 0.4 DAM b b, 4 b2 ..mi let. N 1dplrjNL •e a aL.?e aW en ArwW I o w an+awun era Mtalisl it sM LI,." IM I= =: end a/14nage e" ee IM PC , Cr,C by Ilw ..r dw a days n the bbnl crA And b oWw(af Me Weald bF bnONFIMrEbe Raamenq a?nl Met L30L(w lmCasst Hwlp O I p s . U" Y 9".1 Me 012. Pews b this imams 14 Anon add Lim Meet Fee 4N w,p rig a He w Z5LD fly each q ll en ; c}flL - IW Odl'tiYi bs Ar+a MOOT /tRwaale Halt, TIM, 11j OYd cwt •Mft on mn err r r..No a ;.open/ Merged br m la n :a ,USM a .ri h N be asybad meld iM ed1M D+e. tY,aOr Rel. Qabwd alert *.d - mle>po•b b1s iyaW AARRiAL PfltIATirrPAIE.y m. eat c a Pd be .1 b-A .ntn ".a Ie, twRaront Da,0W1 bllece U aUd Y?erar Ui,enua sty limy SIM 11 seY a:l l A ki rm., ; bt1y o aft ?O 0 O arjt meta kMl fltk tl deeeC w Me 16 ane . sr r b t.e • !?arp rel, a Ska h w 2a ..T" M t=T be., A )c. M lIa te » e al phrN en??Mct a lht Aso el hrpslyEt rate rp =M OtI outlida ONE antrig no R 1k,bY1 b4 10. Mecrc Rol r role on ine aawK R, hIab CMae ftL'A'e .3 tlwv vA a be a 5200 lam w?eu .n o w AWN e t 2 00 ,iaaY h OGIp fJ? y ' r br?lml nar,tCYfeadtpOSeIIdpl k17 dN9Y7 V" M0411T a l u* NJI a trays Ad It nWAd by 14 fbiw IN 'rte L6ceal 1.1,111 nibs acaln!M "me L^Ker hel ' tesnROf Irt RU 4: a Ual,t b me Intel- r a mA°R rp.tiyiplrt=1s = Oak BeMx OF =n ;M%l)W_ SIMfX m f DISC(OSUAf S(ATIVU11- PAUrW AND CEN14 CONITIONS Of THE ACCOUNI See the army 11111 of Ihd 66d0sme 1b It. General Cathy... eI d I?h,crer??p Rar aro n rot Oe+t Itr1a% Ape May ?Re 1,y. r1'A per alp till t4M.T?r ib AMOWL (pea ere ibtepaflld Weraw •l1b W era tINO tl it tW I pert 3er tan abe.e b Iwo P:YN tug to- aYO,nd R rdarli Dee•al„w/ y Ob,IE Preydn !stet S,e am ml re.Yre P.eatfyttel apis'anial aAt. WAam.av Om . LAD' Cf r0U ;WOW-UDCa RECIIVa DF. A COMPLETED COPY OF IHiS 1"C :J,FA1h7 " ArIDal'bt-loOa'W be Me N-YOE Tale a1, li33bM sir iAaaer lMW 3Ks n N r1, ma a t A d 7 w 1 LUO15 THE GENERAL G:. DINONS Of To-:l7AIFi)AHD IT, 9:44 TNIS:GREEMEr:TV.DiCATES r1t90eRENTIOv ARL'ruvmpaD. n xon ( t e balls OF . kr aP a . a 'O1,lMP,mr Rhea p?l waille aicA:ar 1. a Op .... •• 111, 8-6 fw TOO ' Aaott4 - 'Mr?fNxLl B ? , ? R r"??' '^ Gp . . . aer" a1/00-am hr R! k y,aau,ea m M inee11nl rj4t,11a ei1Cf tltlapY7 bi .. maEambraeBeMr ra:daba (be ode.abamcmidr?rL.,e aneners n+Iwr T ns Olen boa kerL Q owslik., pee" op bzn f to tprod e0 ml rc me-con meied a abet ? 7a n it Y . will be ep. tl use k LL:Il man ksR ?- S ?i Uri . rydos%hn andw&rbraEaAAxorn4 Mt'SApie'.IlOt?rI s aw ftm •?Y+?'iAw Md abort nwm tx OC 33et+4eiTfa ww ci .. ?eR00iirat c one, lea an eblo3e h an [at1E31ve A®R! Fit ?LyRadM Cj 6lse A?,lw paM ebtwatOYd??t I a b EOM 0.- vZ-; nil Ao...m.h. n.xe a dna er, aro ewes m hire it nrjb bb. tgaasP:4+:carlnaJrrr'i mly Ll be a.M/ Woad Or Me tem3: - I EII GNIGrltla of Va AImOi F-Ca na RILL The SAMS Palblg7 IOy ApAq Sa1ai sr,tat a O M S.m a Me A,OR ym O1 Mirltt ' IraMK P??...w?.say boa er AAFNLI P 0 of eMs. .lr?xmrtl ralayll t1 LM Mar?ara., M W aY.JJ? PSa,r,eL a.a a - mrnrrl%= Jty 1Ne"ra 0rdi.ee'I k.t.L". rrd a ft Antis eMta w lea Prem1Y. . . r I 1 1Q1TAtQ ASOF W rev ere ..w D A at?p6yrlderaaaeseu - A X hnbe erg 6WPkpft nt Atia1K ft Uw MT 1RE dam AWE N IA !t - ?. ? wad can IR slCipiee O+ ?_ :.. oft it" The A O if - I.1 kAYlYA• dl[r "if PeiNip 4K IM aPrldo7c Rwrbx - wOA i adtlri rTOe •a 40t1sOrOd T is Tell del dbl. bbaj : . clOi 1lirdibrlM Ip;dlYSe A2e.M INeRI•LK PjRe q JiS Y'S ?--- -.: .. .ape a...w•w. " a0a•a •o.r••rer•mr-cars.fDrl..nts . 00 fj001 \ 1 EXHIBIT CL Wo IS P1RT .'l THIS OM MOSURE STATEMENT -IS oi-et"ETOERORROAERTWITH . . DIS GENEAAI LOtNt110nS OT THE ACCOUNT ME CCNERAI'CONpnON1, THIS COSURE STATEMENT AND THE CISClOSUR[ S7ATFMENT ON ln[ TAOxT Sw3f SXOU10 as READ TOGETHER O • - '). SECURITY INTEREST. :' AS NE DOCUMENT (THE AGRUMEXT-): - . Tat You sad Any 010111 Mmeri amemounts" PomMis lure e•alaw 6 '?' Mmpp NAn as numispe, to Mwrt the payment d Armmrew wda pD+dreenmalMmytna this umvnt N p rok weuftLyw.J...' Pm-* n wet A Primal Martial spt"Mil Slmne Worst Your men .. Old Aptemenl, He'ad6y IWUr! NraeK The n gnu ,m dttie d few Ito ART 041W Nines And At marl sd ltnhe An Ag,"MMlnd n me MrgatR tslnl 4tanral tta00on, (•) Ra ICe a tat pacesntuakf6gc7. .. . hi . . • We waive Get Wum/ It the Menppd he-Aft is 1. my Muesse in aeon it IM !Item Ibis r• WOW uIu the a nbonl bw... an w.d a. (m e be as delay Gan Material OEli e,6 sd lamb . n pm,y&pt a At carvrY C .. the araroan it the kAtcoml nd omhoo e MI&iWm cff" . . It r6t wam . ape R Prohibits. 01 Wdbad nlentiasiol . NI Tm the Ore us a secure, imael W, trade w tM 11614- d taw M,,- m Gerd was bum Shy tyre to . .. it N d yew mane, m dwpm ride tt This bclude nyney'r. e, etmn - IN .AiO wl I>t dethiSeed in Mir IWwe wen of 01 Au a wu Ally m- CRISIS. TIC shy gAa he dbfEYed to ptmd til[nmlS AT OVIST W UM '.. xCMA And 10 regard de Ali-Gtoi tM aaipben" Mweina .. 0epebla, includes your ,purse It shat d 1 dtlam uma aid sv". d 1 IWNHV Goys IRt w mM,v a .rmm m w wand yw atmepaled in the Middlipw,,ant Mace 114""111 by 49, a+Y SAY' 00 amounts 06011 . ..' nht Mit patwwnt apbtl h d by redoMbk tvWfntc that lM Caeifts%tth pwe rat b red pebmm .. no be r taw . suc epaa4, (w) ile pratMsaw raurnto grogdo ms of any Ire id Mt NWO" than IwrNay obtain a« property imwtnu Uwrmt the Abrtp(to Prea My p s Id) Pronihilien of Adeiliwl Ealmsian of Gede led le"ion of the -? YUM1e GNit Ad0laWOepaftsnce. Kefryills bnpaAM,O oft bd. ,red, d 60001014. hand inerrant.. ' IH1 Cyaura lecurng aht 0ht liwK to 0 MAY and satur, MIA XMI• L PROPERTY INSURANCE. Preealy iewume and il•A S t O Add4eW emmens it circle or riduct ,eft Masiatm Cress d m,,*I the -. tmddauEYNin me sx•An shy «ta-Wt wd an that "ON d der Kb A' , It 1MUCWAm Yb l ' , pb k U nd a tat an leaurad on the Montalto Prm1M>, tau may ebtaa mat Mount nta tarn Mr palm of your cla,c, 0lhjaet b eo -smack apapraE. S. • CREDIT INSU CE. Cede we *arwide it mi4bit n not re mto I - rcn C ump SO that IM onOAOnrobge tridU, Yt shat tom D. +eeg+lto b a4w Mrmsrn III Deo1 an0 Y raaae he tatM hoe.:.. We nA ye, MHtt pyl W a0M s spin an4pe i IS 1P A P h . . . e 10. T : IAt D[0U ITY. You yot ten's 1 ba adwr rraadag the IL dNdtlh??dMlyy a bdemM ACTIO IN Wtpn la I hn Attoml- L PDSSII IEACTIONS a tdt r se Rat poombed in hit money Aye wcr wd airk , , E IYA3heaAtwMlmtbetaadeyonwAinmePriseKleepaEFiaCn:-- meattsdmt Ulm" =10 on tw Rt, Made spat M a mot. 0) the platy a M +eturdy tenths o AOrasM IplOfd o WHICH MAY IT. TAEEN tY IENDEA. Under the a You tcuamntl Oarp'OW kbn, terra Cam 11) IermiMte ile Issue: MK- 4 P" 09 "Of lM"Mart, e1YC - 1 p q le"rnAea ' Attie, to t pus the yAbre of our MCtpwy erteretblas man 1206 .," a yew sl.st Cmd.l w l (I Is rt k; Ol 141 t %= MKM4 0 " ad &0 0- m mtuNnmac atWalSlw4 ' e te wr And No .) readrendition, armq ma&ad by Ibal a0nrea :'' Norte [bit I .. A the W ken! - . orte 411 act e da01ll1t General Condition d it c mMNt m .mlle a m wM p ks (r I Tit we WedNN nmtM Acton Urea " . by Erb npokil the Ai MN u) T .0iee 01 Account eatUetn OmaN: rut wit Or in Oehue AW his I[y", ml axR ttrminxe: eAecwe nr.NwGal,h. upon our mint a -4v at Ptltm4t Rote MOTION or Eris AllL IL PIIOHIIIt10N OF ADDITIONAl EXTENSION dF CA(On AT YOUR n(p A . TnmiM;bnroym iY. - In to M. Mtd yon mmdeectn rootibn souther daemwlee aawaA - taw.;", W ye, cmtme tntd or make a materia miue0raen4tim in mo me, .. lh"Austard. made by any our a ylla Pw you do M:dtm to be Ins" IN adbamal boa. ; Mthan jeco M thAt be tmddted l reomsl to pmldo Wow Oypind d trtdj . (a) yew Ed it him any d the re0symem terms of tan ApNmea IV A wedd30dA f - m this acUW by 31 It M The C eA*a slat become ttklf- tl aces u w :- y . - - (I Any d year Asem At your 4dw, to acs adwrsay aleds w vehap' Un(*AMU hACt4th00 M+ Nan bap bOnt made- N« IN rem are 00ATINO .. m this luaw ant 'puffs in .mitt tai VL~ 0 on scu nt or plc b this Account, a toll a ow hihu in we, Secwwy b ntmat atl rut 3y of i1 yw bmux MIA As he lsm d P u , rlpre4 w m16Kaw- - 13 (IMITATION OF I O nn t,tt t a our It had MMtppd Premise.M sdlgaltom this wdaw, da Iq Attelatlim el the Outstanding hiDdig . N E11[ORESS AT YOUR REWESt 9 ye, dd- to na. enntn Aww rtpwsa't that die iadwbtNnno m this aceent be Srad, m. . l - . ' p) urees pmh mad by Ia.. d tail xmmt is 4rmiMIN by tabus w ' may. at wr pUaR over an, ntlirt raK to by U. Aid the afaon d at plin Id oust 0141- urn Son. this aetaunl sh,0 be larmwxN r awratd, . is pnrided by apphjMe dew in de stmt whM the MINIM III a NRaIAd. y t any umN retained by dew dumg.bits ye, my cwt a dela it declare do ' . - and payable the tnbm baYme dent on high #CMAL It Ago AiMK ou ea aide to 4%0 tat re ivdtmm0 cl Ipwitie you -tats repo is thr mkt al - I Milbm of We ftu W the aecawM 1'W Am b se,! not e b. in us al C y M be rpmad to M IM NtaAntfn( hmwa m Oil Aecwe an fee " WInMtM a Mal hoe- tl "O Am o tats W uMa IM pevws wcon ants IQW Cwhiaa Auigma, 27M tently Amur. PIRAIMIa, M 15725•.' 14. STOP FAMINE PrtcNWts &M ken ago ble hi Cep paywwwl.1 chow N . . udetiamdA0owl Upon Otteue•da'ig this RptloMm Parad es dg bM YIIm this tche" a aYWy rfrriMted.Ma,l, Ati My connection wA In4ww- m ,ec" drelw xm it foal I00h b tixAS .. mm:hn Vermont. Sbphyaed hafts at sobied to a4t d lbe Ship hlretat . . -Gout "Wed by Is. ,M t:: pm0m (X b- rtew5tl by dew durirg w*A ye, may curt 1 l 'A dYt AM p"ad, at Mm . IN 11.1a the I'Made it MAI Maewmh applsaML low .Yore A MaJ,,.. PITWO Ada Ad MY knell odes, r by Wit a An vftq a at ma Ack ' bmNt dent m ft xtawd II it declare the mom baxwe the sad Nway= tan ad for the mwa'n duke beclng tae w . AS*= CtOrSO d Ctdwa ASUSLM , 2730 liberty AwrtR PAwbeps PR IS22' 2. c bM um at petMtld of peldes by you to 01et1 pt p,dawe I$. COYYUMCNIONS CONCERNING DISPUTED O(M M come iins by it" - -•' NON you An a hlmaty the tmwt An eaauUre olhtt r mU 1 htm ou Am la. apM s f".im IW AN [redo nnlto b w b i O 0 1w to n tAmtrmlog dupa(N debts, including u iutNM/ xddtN i s NN ". satisfaction of tit antral, shw4 be trot to Cara6tl custema', A y e w e, perab t '. m do-wit IMn, dwing ugh Amon As taderm dew so mpmtt it uede raNW md 11 mmnee. P.O. Be, 13K PutsirwtlA PA IM30•136L It. COSTS OF CO1TSCtION. tl Anlsd,to by sonAUMn A.. d ik dd a 4 ? o 0 t 0 aetwnl Wt M dw Old anb4 m owed ld Satgnslm of Gtdil hiyllrttt at RNdtlim ad M&DM C A . K a u • xlan to COW mill tcUmt er Otad tM COU'.VW r r sooty Tuna in t `. IM aw& d OW medean Arad M Oft fecMn ddtit wt My. 0, wiwt a nkta aw 4" slim, lf"ws* wspwad yam awit te $Mai. bans hoe dw New p VW trdtgYW aw Chill and e ~ to dot UN.S aw Mwrppd hmr a : 4 iKiNd I. Ohk Can Mal McAeod eahinwt ANernoWbe ad upobn Al Me - :. WII/N rldYQ IM Malrlhylll GNe IPPbUb4 to Ibs mccont a'mq my ...plmd wher 'U.Mm mom PtaAA by IOpk" 4.. 17, CUf10MG IMPOAW110N. b saw our eWaaels t0a'elly net otltr3 hA 0) The Vita Of the AtMVVO hten.a, a tsidentad a app anal - wbkA we AAIAK Rat doclan d IKAdt+nfh Deb- Choy apprmN qhe Ua rap a Nnmcial wawa, w awe mAm" uamlUr and OWrlae". alamllia a" Me PNC yeay d map,niec PMC UaNin she dome on : Ike WOW W ft NOWL rh may Trans me to U. W. aparmah m IM Martpp ?remain a ow flowed, a N seesaw addMW tM l d . Wit"A Ww+Idt Such It IppiORM Ewmw SULONM ad Ulm floats'.: Ywm vieWeltwwedOAa dhxe tlae aher pe soWnlh waton(tattpwbae- _ tl fA 4 aide an mdu:t me Iawd el the MIauW a C wM ]mama .0111 Gall" n IM vow AT W Monppd hAmiaa, ad at . v*o d IM Rb apd Pttmhtl fro(, "J iMfi3li yW NM rwsd such Ntmmahe, is WN by me RK ompny lam im -a- -emb la "Oft) W WWI to in at PIiC Rmk PA Be, lism /msOmpl M ISM Nise'.`. +wAat ew w Wd t [ P • nwmanrd4nttaww is MMrftM rnxil7ens.wbit%,pna ahae, &"A o i d ' y e• IM KOM hambw(s) a a" utamy'MwM.-.. . It. CREDIT KP01 L Tod, wmwinm to obtain create mpats so ta froa11as pln t by m Ap &M, of IM Mmgated Pmeme c - byte A pw I-OM N. IN W4 PWOM d e,4 sNbPM1 an 4W& a fur in .. 0', as a MIA" appraisal by a kawed w c WAAd ma estate belt m t ' tine at tw diatntitn .hike Per k e, a line of Own 3ceno outstanding - with vs. W.Wam'. 41 mil"Bild by Ia. - d shwa M MAks Appryse s At pamrw &M, ledwgwj twine a has IS. MIAMI% UM AMC CONSTRCCTION. )be Apttaxt on hem ttttpted by n A Ptnhybasa And a tam shall be n1enON by a as tat n hwymmu. potngtc nn -sate IM hbtppe hemde art bwaeM - I4 Xb r g b Rep1GAM Of the shim it yaw MOOM t tat pact if -bid 7. suiwged an "to A ntam y utte that Pound be uMkt is Mho me ieupam .. "unto n =="M hww a A maidnal amp . rrr financi l d m M ION my me p"Moo d ten Apnanw'vs"it W-A p 04190 !to Ire am be S"nal or old tmstmed a aasWa,s .0 Ndaal a ymp m bw re -I memm Y. a arwat a P-sma bMMW ddowenl in l lam arbs4nWpy weds, re a 4• And. is nYda Appwadt by lydtml W. hMfyY,ar ,..,taco prtfmtad' hit Nd1M Ia. chair subsiding" time, ato pmwwaw shat hit gweate by and . .. Apm&UmAN INS sciaaet him ape' to pmvm, sue fMlOa roharnam to n red Aral 4e, tat Awreh from IM date d Mt. IMMA R N . Ctmrned in xWmaece sum- ken at Pwnngtwul pmeadwal m&Um,dabq b pre mlwcmwnl he 90 oaillmns roped n this Aptyam and mNtls ad" itim"bekw"Ira -4 04 WAW te kutM ttp1lwamAAbpMw bonst4 of a wt hid enact in yaw Poundal tmditwA w no mad In de V..W% wedalide 1e, dMomm e d 49 the Mtwq Meg without this l h w o addeianll NlmimA d 4001 u. resw We Meeting Cede s tar jmtment s y be protons by rem Ws a lM-sake whty mlwtoey tnMng' w Pertecren Ines Wide. - : kMAw-W'.bn0thee: oln[adiOlb ad ftAmmt Wjown to ft KIM* mlrll0tinM mSy M. yn DANA!' lom A?? n ma ram Apa « Me 0&*M Std P O ta,O art ne and Tons P ... . rote, anawrd etc+rlA:oar Taq IVeTKF fm NriAF yfE . „Wsoon a!mnaw wowuK. YYllw"Pl+tlac'rn%mirMe.VerTer.rrein604'0act- - will W ar OwI I- r awtawm 'a nowt aYa so - ewwh+A'rr baww,mgrlaw wtwra rr awt ,6aW av.aew.ecaal.aeuana Mien. rCe er.16Cv.sran ct the ro.d ..M lU&PAbb Ai.- I527013K. tAeetan11 seauOeadk. Ykmm klrIw ytl ra YourRLWUn YfS ,flat •d FW Ire In Km.nG1 V* mss vmti r;RawL hw tin bbpnw a AM. . aarw. w swat sou rwna . 'Nyw YFa.Iwm ltw!flsrJwrNwtvaa'. - - . raw art' n wwwr, tour Mn w red wMif dtha aahKne w:.: - - •pener ate four an a.patarw ul eh lw gm--M-e,.aha/aw wrdmrt•?.I:.R arnar l.t 4tys?rt asa,ae .orwi .. . rear sy&b any tan he-Add. Aft, Nb Arir1 Au Me'a,Nolt, 14MKYgwYAt,ar YUw..IM 1phaK Plea the 6tm ar!rC16da701.r.. - . wlwaW0la wnwm emu WrKlNmnn tClm'waywte:lreR tall. CiRt -- .. Ads hltOwt sew lrpn.wcwnhlMalw4m/a' wyWar6lY.a rtY. ra AatY?,t:w wrM4lmrYmll,rM ltiflal Fa O•mCr?Pal tmmtdwhads ray+"I mpaw xvwa tMa NUrtnn YY ma Qe KI N.fwpr tl alptea r+cal.ek.t An n,-ryas;t•A yi.le out ufhPltd YAR ee MYatww MPY uw I" w..eafwebs.arwn bew,AKAfrYNr al r.af?1an+ueYgWUSA.aaµarewwlwr.w wmaarra yr Mw1KYaetmmaeYara al'd rw wA b1w Y aura tea e,1 Nihau MIwrO e, m aattMrw afaAM Y NlMtlt R r>W 1cr A fJMtm f M Mew- rare- we -Mrs wr a t4. -. www YlYmlletN,Yar err Mll.!l ww out.wNlrarl K+tlttlrOlR r4wN nWN4 meftlvrrfl yr'. av?wraeYr.a6?f tw Mn Yfet?ar fw.. •_?MrdWYMRwMYl4wlerwnerd/fir hterrttYoutarto/1a11a IY At Ad. r.Cr?Sbl Iww mat 4Il- .pa wen b towwe He.r.ew-a erY:: r.SMar -raw eta 4aw frees M...wr.awawn,w - .. _ L is oat lrhaw twem4awwl u7ot vh- Small it ew CUmaN nowt ate A o, hid In etK(l - "anda ' FDRat 41, HOME EQUITY LINE OF CREDIT ' GENERAL CONDITIONS OF THE ACCOUNT A SEPAUTE' OSURE STATEMENT PARTS ONE AND TWO HAVE BEEN GIVEN T . O YOU AND ARE PART OF THIS AGREEN.ENL THE DISCLOSURE STATp4E1YL-RUM ONE AND UID. AUD THESE GENERAL CONDITIONS. BELOW AND ON THE REVERSE SIDE PAGE TWO, SHOULD BE READ .'' TOGETHER AS ONE DOCUuriT (THE •AGRE EUENP) . - • -?*P= i9anY.. National Astsecaatioa EETIOER r PA - ! Dec. 11, 2000 TZICIA R Mu =..L-fit - Harm d sj. Date. Acc t oun L - OEFTN1yt0 M L1G A?erpert tree taawvrj 0tfm0olu:DY1'. xm,' moat WS F? Egaty Ere d Credit AL?reavs t twlidn ndudes a se ora?_ as provided in this i a'reemenl Yar also Ogee to pay ay Other amounts fteh may " b b 1 p Descbm ?l?l PAM One and Tam. and Nese Czleal COnddiam of :he rCfRttOQ liltt > ai ataaldR ecome due ereandes_ rhese r6ide, as aplikahle, doer Finance Clu"L1 .Omer Chagos and any amounts deuced 2D pmea the security Of the iAORQage at tor( . ry ?tt p a9,tlldum tp thsq? E Parties to m AMEMBIL .7YG m.' ol??' :Imde? arOes fire Londe Oared above Or any Pesrye or entit insurance. and fast at Qllecm;. (c) k pay at least -he minnum fitly Payment each mortth on at before me P t D D y b wf40lieti?[d 11ae 1JYdet lout Dorn asSiT2d ' X01+' at 'Bontaaf =uu each sod every person siJrur fib A A aymen ue ate. ;d) ?ar. to rata bans trop tors account which ail cause the outslifdimE biante in thin aaxna:d it any txte to nceed the MAXIMUM L da 00 h VeWdO O "yVa . %NMeir one a two priors 2ZL 'Own3'mem wtbbwrreoryactOwncrdtbeMat.-aZSPrtmaMs.•!so is sviiii " and Lie M r - e we ave now approved or may soxm at any tim to the future. {e) TO imrw„a:dy Pay :Y anwM d any bans in e.cess ef the Matimum .L o aze but ware tabiloy, a Wud to the O NDN ? ? Credit d?aud Previses, The Ober wa rot have she aa'M to Obtain blmea Ce»tw IQ TO ivt us Str1 penes (venial statements as we may roquesl train bore Type of Aitaefi ts." ^ -ACOAar Aassmt means an amunts .itch a as etv: a for a pub S eridd or an to tent. W Not to -Live us fibe isdlrnaoon or st, iatures at any lime or let anyone aho is not a Borrdwe Hit the locounE Emproyce 9ONEL:- r,.. "?%tciaaCCmeaQSaelA=mt for stunt you mayted,-tkandto w''ach seethe it"= a?ph WW you we a Claidted MW W of a teak Club Group Shade ou ;h) To perfecto al :f:t;irons ;order any mort;a;e or sect, a, eement which has Crnrdr met yx M,yt-La;e and b pay it arcs, cha(M K asSesimentl whch -h f o • y hatee?riiedtee4anrhdey7uquaiilttraCrsavrtbtastaedantxatiLtlttiscd d one Of oQ btoiiat services prka;s alach rp be dec Csed an the Dsd mi are pr Rl over t1e lya•w._. 41 That YOU 060 the U%%a,ed Premises and that they are unencumbered , asu m Club m C+oo(sae anypet?sdi yet rtly be eii joe for s? term ?rt staff mr s eacept la ern umbnaces now of tact: d. 0 Thu! you &A noL1y us cnmrJ:a!n1y in w itini it you chan;e your residence 140nZSAOSa W mum in a-- for oth entpbou and retired emptows of the FX R ' S&rms Group or 67e at its aldufes are d4bse (ucto that or marlin= address. (U That a 7n Vxtp& Premises ace part of a candommin m of a punned t t d ce0ia d62belttyRQ1. der.:2ts and C7irnnpal stsarErldes ire not ti-L01e). SpKW wn am* aster you are eLabtt for rt Employee Ben fit Emp"" uni eve potent = comoly aim all ryv ws. teEulations or restrictions of record. M b 4-V the Mom-Laiied Precasts insured as provided W this Agreement. ' M te e . Acaadlo in mot 006 for any CLti Beterd aide tht Empbret aeneft appFa . . ( ) st to barssler out To the I:w+r!-L>Zed Remises (except as provided by " leeerat aaal Other twu mein this Av"maR -Mt Cydd Hides. be camw he!, Me data on all ch mm:Ny slatemients ar r W . In) To Eetp rte Llylpzed Prennises in rM order and repair. is To pernst our aLwu It utspea the Mortijeed Premises from time t ti ai e t=aW -eodd have btea wwred d wit are resfoad undo rte o me. after I-sonauta=e ??ph ? i A1e'0? Dbastdtree of "', Amin; wbids yes, tan abhor iro ? !t /U OF THE' A-; SE PtTOIfISES A4f LUTEAIAL OB11GallONS UNDER THIS ACRM!CjJ . bane n* Oras d Hems A*W we ap;rove ire aide, You have st,-W Nis kreeradatdAiWo has (mc de0 yin Agrteraed w^smtittr id 0 S. PAYMENT APPLICATION. yle will rye payrwis made by fate first to pal as a M prw [ under the y es C, arpt 'tl i ' ' oiled Finance Oafs then b pay credit insurance preaeums a any, then pay Eau (hares, it any. Lien b far Gr Annual Fee I any: then to an W f a aas dlnaA U of "Livi ta+m C add meads ttte t:W dalar amoutdd creels aYatable 1st)+Dlt tine m ty:st• • . . y y eer ees: . f Men to pay anuurns roamed to preen the security of the btor te; then to pay ? CaFe? melntlAe txitla7Qe or OaC1 d trast ten by'Jne 9orrowv:nd/a Ira ". Ow'oe 10 setteelR{S DeWitt - prisopat and then to pay any unbdled Finance CMrEes. It any am*= of prdrupal a not stowed by dw Mort;aL1; tat amount s aA be deemed paid before any . . Paei?lJWAOs t1e propasy CtveM by CA movie ai+ae to scare ffiS al?aeall, ali3 S0R Pvl;arlary' desc ! a the 'aae amount mat b seaee0 by the 111th 6. YOUR RESPONSiLIJIM(L 0 More than one of you has siL-aed the Alreement s d L '?ayd" Due am Imam L1e date whit. -11 appear doe monm as yu'Payment Out Dale" 410 fie hNg stalemert. Initially the will be so or about the da f th a you are equally mpmublt, rndreidwlr and tojethet, to u la payment in rue at ttus account and performance of all of liptrons under this AL'reemenL . 7 NOT CE . y o e mode stiMCd-d QI J>W is swbied 13 ih Irv R ran 4'son of leader. ' ' . ?tlPalrmWt ft III/JRt the 7ha1e of the account a C tint Dan e di d f . I S. Vic will send naices to you To ystur last known address in our files. Nabees sou to ma: address will be e'leeve for as purposes under this Agreement r - « a r e ay m7 rensai+eg balance avast be pad You day rot other new 11yeYawrd lip The NtpaymeA Perod will bepn won the lust k * A sW then by r.Lyar cad uiku JpplKable law tr=es us to use certified or registered mat Unless appkable you reemres utherwtse, a rgbce sent to any of n o ll t ATer[ m* b?o!?rR the erad d ale bra. Perud and d wdioW and you have y a u s ie cdssx!eita sent b as of you. and a notice recerved by any one at you seal be afnsidered raceved by al d ycra paiditbft ll.lsa 1 1 .1 'Temnttai taalleEfire Du we all ImVr die a* L4 cumin bates or any tAenson d =0 all ft-ad - Termination at send floe ac=m pe mire m ' . A. INSURANCE. is) Q re+Mme )od b aMis and keep in lore property insurance an the Rl d P y. - 2 GEIIERAE OESCRIPIION OF TV[ ACCOUNT Its amount is a rndral; Ian a att t remises Ad to Xmide evidence at insurance b us. The insurance muse mm lass d or data;e torte tAtlrt;a,td Premises and must be, in such an amo nt a oulr> sofee6eatdnlMd a lase d eeiL !t b seared A file W:e you may low loin a ft ammed to the ways drwde o tit 'Amoud Prinlam' sector d me chchiame Sh'ameR up is Lie outiumam DedL dum th Dr u as is suNiow to praed our west. It flood quuance is required by federal taw, you apm to art an and kep in force insurance in the amount reamed by taw. YOU Elide OBIAT Ter ' v t aw e Period In= wN lee added so the batance d ties acsawL to be mod by mooth?r poyawM AS UM DI?a1C! 4 repaQ Tie cledd tai a-Late lot ane'abre fJ you drai a " N eS INSURANCE CD% ," ES FROM Ally PERSON Of YOUR CHOICE It the Mor¢aatd Prernism it loaned in a stare other man F"Ad. your choke is su*d bar reasonable aoproral, At policies must name it as a los the Draw I Wi ep m ft MasCbum CTtdst A Mt eod of the Draw PaiA any asds?d biT epad 001ai tut &;uymt Period A Fawn a Charge . s Payeelmcdp ee in a fxro acceptabie 1C its and provide for at least 10 days notice . to is d redrJm n ooveraae or err ettanore (Panzraph R rentinua on O,e r ers A ndmt; pmrs.,yyl DaSnce >2 rata tar mar dune lrorn . es e side) ?me>0tnlt'='' ` EAM nor tale tII? R)7pIY m the ou5t>?3 balara an your account and all new . EACH OF YOU ACe.1107tE11 Gf:S RECEIPT OF A COMPLETFa7 COPY OF THIS . AGGRELVENT OhsLllD:'IG THE DISCLOSURE STAT91EM PARTS ONE AND TPA ; ba>r+Q>h? tads 15eyata Ciun2es ai7R N awe Mao area area find abvre in t1e flame of Borrower W' stdgrt, rear . ;ND THE GENEM tnNTIITtONS ON THE RE%TRSE SIDE OF THIS DOCUMENE PAGE TIM. KID BY ACING THIS AMEEMENT 114DICATES YOUR INTUITION TO BE irdnidwl mlOed)bs authority to to itt chase a abMw t=ads hva visa aceoum by UrAw 60 0 any dhe mnms'ai R may. ftrw time O Ter pest intro d t1 sizz lature cc ' ed?sms? d? aasshy itlie Bormv. I QUAUFIf:AIO! FOR CLUB ACCDUNL TO quaky for a Club A==!: W you have irleledad ai 3PEA: out Grou w!t[b has arran f d no o ? p its or spee f ge dad you doe tarsdled emit d acnbeshiP iI redo C or lf f ?tO b X 4' ""? f \ • ?a9 yOU gw y or art L D ! Aaewl PerosdeDtlftft roeu sea in aaordanae wz yet tetras Of One at Our Borrowers time Date bareksfR sreebe ystW? YOU w1 Case tD QCWY IN a Club AC olml !t la) Ole . &r1 mad bKws usRee floe t3n0 Group identified a grmiseted or d )m Case In ' = Lea anasbld OeeOtNaC to f bl s? >ti bn2Q tidtldT l7r an Aansal Fkrartate Rale BOrraae's SepsGw-e Datt s rtsdaelJipae is ataitOSass wfh ft trine of W. of mfr ===ft P'itkaLlEi Solid my d YrMm,erets!s doCLr. yle Lrai adphabte wA cb M unf iveids E:c3 Owner v-uni ids Airterwat who is not a Borrfty. and doe 00 have the u se tarye is if youbaveaRe?Rtmwnteaststtseauisney-*esnarenad1ociets-3i l A=te obtain boa m tit &=n L is aarteml ooly to be leply bound try the terms d ? AL?temett Rauoa b 7a tsort.a,e to the Llort;aged Prernaes and to m bare a Club AcMit tie w7 send you an amendatiX 21 this L-rwQ Once .t kisaonce on the Idy p&d Premises. The Ownefs lability is batted to Lie Owners mm, Tun wo6d.ataendeeet all oil Oar re Rmnraf Pacrmage RaLe trot in the MoV,-d Premise. apylcablett?tdstu?otelt Easefulhebelefas Ddertit r?tatbe par0udar Hub t5ea>) A®emts wi apd)b m aM the trorisiota m Ms As ememt re?rdula OuD . ? beaesriani.ttr t'se ca dln-L ?• O, w,s Spume Date ', yDU • 4 Tail to d is aw ?etls 1v less 71a SI M.02 : OfInne AllimouKSadtanordhe°mderIMM"e"MII'dumeLaarat Dwtwer; ;aahae ,Date " ? " PONE-SEE PAGE IN ON REVERSE SIDE aor sa, u Qayy OPEN-END MORTGAGE VLNAUb Number 8689856 (This Mortgage Secures Obligatory Future Advafji e., 40!!! &- .. THIS MORTGAGE is made on Dec. 11, . The Mo 2000 rtgagor is ?A4RICiA JriSLLBY .,I2" if there is more than one, the word 'Mortgagor' herein refers to each and all of them. The Mortgagee is The word 'Borrower' means PATRICIA R SHELLEY pNC Bank, National Association `t there is more than one, the word 'Borrower herein refers to each and all of them. Mortgagee has granted to Borrower a home equity variable rate line of credit, providing for a Maximum Credit Limit (that is, a maximum amount of indebtedness) of Forty Five Thousand And 00/100 (U.S. $ Erg' 00. 00 ), under the terms of Borrowers written agreement (referred to herein as the "Agreement', dated Dollars Mortgagee is o i a ed, under terms set forth in the Agreement, to make future advances during the Draw Period of the'Accoi,nt, whiicch ends on'the last day of the monthly billing cycle in which the day 10 years from the opening of the Account occurs. Mortgagee is not obligated to make advances which would cause the principal balance outstanding to exceed the Maximum Credit Limit, and is not obligated to.make advances after the Account is terminated or during any period when further extensions of credit are prohibited or suspended as provided in the Agreement' By the Agreement, Borrower has agreed to repay the advances in monthly installments, with interest. The terms of the Agreement allow for changes in'the interest rate and the monthly payment. This Mortgage secures to Mortgagee: (a) the repayment of the debt evidenced by the Agreement, with interest and other charges as provided therein; (b) the payment of all other sums, with interest thereon, advanced hereunder for the payment of taxes, assessments, maintenance charges, insurance premiums and costs incurred to protect the security of this Mortgage; (c) the payment of all of Mortgagee's costs of collection, including costs of suit and, if permitted by law, reasonable attorneys' fees and expenses, if suit is filed or other action is taken to collect the sums owing or to protect the security of this Mortgage; (d) payment of any refinancing, substitution, extension, modification, and/or renewal of any of said indebtedness, interest, charges, costs and expenses; (e) the performance of Mortgagors and/or Borrowers covenants and agreements under this Mortgage and the Agreement; and (f) the repayment of the debt evidenced by any agreement which was replaced by the Agreement, to the extent that such debt is owed to Mortgagee and has not been paid. For this purpose, Mortgagor does hereby mortgage, grant and convey to Mortgagee the following described property, together with all improvements now or hereafter erected, and all easements, rights and appurtenances thereon, located at and known as: 35 HIGHLAND DR, CAMP HILL, PA 17011 CUMBERLAND p Recording Date of Original Deed Dec. 22, 1950 ~ C Deed Book Number 14-0 Page Number 289 c' Tax Parcel No. 13-23-0547-514 r- Lot No. N/A 6%7? ezz& 7? -To rJ L , The word "Property" herein shall mean all of the foregoing mortgaged property. N O 00 ' Cn To have and to hold the Property unto the Mortgagee, its successors and assigns, forever. Provided, however, that if the Mort9igor pay to Mortgagee the said debt, interest, and all other sums, and perform all covenants and agreements secured hereby, and if Borrower hasrnoofurrtther tight to obtain advances of credit under the Agreement, then and from thenceforth, as well, this present Mortgage and the estate hereb e y granted an r:onveyed by it shall cease, determine and become void and of no effect, anything hereinbefore contained to the contrary thereof, in anywise notwithstanding. d Warranty of Title. Mortgagor warrants and represents to Mortgagee that (a) Mortgagor is the sole owner of the Property, and has the right to mortgage and convey the Property; (b) the Property is unencumbered except for encumbrances now recorded; and (c) Mortgagor will defend the title to the Property against all claims and demands except encumbrances now recorded. Default Mortgagor will be in default under this Mortgage upon a default under the terms of the Agreement. Mortgagee's Remedies. Unless prohibited by law, it Mortgagor is in default under this Mortgage, law,, declare due and payable the entire unpaid balance on the sums which are secured by this Mortgage and owing understhe Agreement If Mortgagee so ceclares such entire balance due and payable, Mortgagee may take possession of the Property, collect any'ind all rents, apply said 'rents to the indebtedness secured by this Mortgage, foreclose the Mortgage, or take other action upon the Mortgage as permitted or provided by law to collect the balance owing. Remedies Cumulative. If any circumstance exists which would permit Mortgagee to accelerate the balance, Mortgagee may take such action at any time during which such circumstance continues to exist. Mortgagee's remedies under this Mortgage shall be cumulative and not alternative. Benefit and Burden. The promises, agreements and rights in this Mortgage shall be binding upon and anyone to Mortgage is transferred. If more than one Mortgagor signs this Mortgage, each and all of them are bound nd v duallyfand t g therwhom the Property or this Delay in Enforcement. Mortgagee can delay in enforcing any of its rights under this Mortgage or the Agreement without losing that right. Any waiver be Mortgagee of any provision of this Mortgage or the Agreement will not be a waiver of the same or any other provision on any other occasion. Assignment. Mortgagee may sell, transfer or assign this Mortgage without Mortgagors consent. Severability. If any provision of this Mortgage is held to be invalid or unenforceable, such determination shall not affect the validity or enforceability of the remaining provisions of this Mortgage. WITNESS tam his Mortgage on the date set forth above, intending to be legally bound. Witness , Mortgagor UL Witness PA EXHIBIT Mortgagor FORM 131000.1198 fi61 PAGE, 229 B?uK j ACKNOWLEDGMENT taken in the STATE OF PENNSYLVANIA, COUNTY of On this day of before me, th n ersigned officer (wh certifi that a/she is not an officer or director of PNC Bank, National Association), personally appeared known to me (or satisfactorily proven) to be the, person(s) whose name(s) is (are) subscribed to the within instrument and acknowled d that he/she/they executed the same f9rthe ourooses thpfAz ? "t.i-A Si Title f= Notarial dal Edith M. S: aaffer, Notary Public Camp Hi.t Bcro. Corn"1g7;ait;^_ County My Member, Pennsytvanta Assodation ct Notart?; my hand and official seal. AFFIDAVIT OF SUBSCRIBING WITNESS [Do not use if Mortgagor(s) acknowledged the Mortgage. Affidavit must be taken in county where Property is located.] Before me, a notary public (who certifies that he/she is not an officer or director of PNC Bank, National Association), personally appeared , the subscribing witness to the within %:cr,,,gage, who being duly sworn according to law, deposes and says that he/she was personally present at the execution of said Mortgage, saw the within named Mortgagor(s) and deed, and deliver said Mortgage for the purposes therein set forth; and that the name of this deponent affixed thereto asign as s subscribing witness tis and of deponent's own proper handwriting. Subscribing Witness Sworn to and subscribed before me this of rvotary rubric CERTIFICATE OF RESIDENCE day I' , d h b r ?. 9 f x , o ere y ce tify that Mortgagee's precise residence is FiNC SANK PITTSBURGH, PA 15222 RECORDED the STATE of PENNSYLVANI6fOUNTY of Agent foSM age as on this ^-" d of __ ay - in the Office of the Recorder of Deeds in and for said Count y, in Morfgag-'q'J Volume page _ wITNE m and and the seal of sa office the day and year aforesaid Recorder ? ?- ?: ?? ?. !ti???t:1? „'vvid ? y 1' r?y i# 1 S r+ -,1 O o z f- C C Co 4;t, 3 on cr a) CD =r CD C (D .-0 CL a. C7 G -1 fD D D m cn m 2. n N.) C N C 7 0--4 A Co 0 0 1 d 7 (D 0 .?. d oo ?. o ? D rn <? 0 d c M ? c? v CrQ BOOK 1561 PAGE ' 230 Z c F PNCBANK Patricia R Shelley Date of this Notice: October 23, 2006 35 Highland Dr Camp Hill, PA 17011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morta e on our home is in default an d the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached a es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to hel save our home. This Notice explains how the program works To see if HEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when you meet with the Counseling Agency- The name address and hone number of Consumer Credit Agencies serving our Count are listed at the end of this Notice. If you have an uestions ou ma call the Pennsylvania Housin Finance A enc toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780 1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: Patricia R Shelley PROPERTY ADDRESS: 35 Highland Dr Camp Hill PA 17011 LOAN ACCT. NO.: 040-03-048014303292 ORIGINAL LENDER: PNC CURRENT LE)QWrgWUf4 r AWqAi ANup Consumer Loan Center 2730 Liberty A,.renue Pittsburgh Pennsylvania 15222 EXHIBIT C PN C BANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCLAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face- to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and tele hone numbers of desi ated consumer credit counseling a encies for the count in which the ro ertis located are set forth at the end of this Notice. It is only necessary to schedule one face-to- face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIMEEFPERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR OME P?" 1TX AND ?O APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIElember o e inancia ervice•s rou Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PNCBANK AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 35 Highland Dr, Camp Hill, PA 17011 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments in the amounts of $385.64 for each of the months from August 2006 through October 2006 Other charges (explain/itemize): Late Charges for $81.28 TOTAL AMOUNT PAST DUE: $1,272.17 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 1 272.17 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: PNC Bank NA 2730 LibertAvenue 2"? Floor Mailsto PS-PCLC-02-N Pittsburgh, PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attomey's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney fees Member of The PNC Financial Services Group OTHER LENDER F (F IFS- ?) ?W4y-WW ARgbyq? W4*?yaf e unpaid principal balance and all other sums due under the mortgage. 13PNCBANK RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paying the total amount then past due plus an late or other char es then due reasonable attorney's fees and costs connected with the foreclosure sale and an other costs connected with Sheriff's Sale ass ecified in writing b the lender and b erformin an other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the Date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank NA Address: 2730 Libertv Avenue, 2nd Floor. Mailstop• P5-PCLC 02 N Pittsburgh PA 15222 Phone Number: (412) 762-8048 or 1-800-878-0027 Contact Person: Beatrice Grates EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Very truly yours, Arlene West Member of The PNC Financial SerrW( jkNational Association cc: 1st Class U.S. M1Qa6p08tagorP¢0aid2730 Liberty Avenue Pittsburgh Pennsylvania 15222 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) 0 rr) 0 ? ? OM ° ° ? O N N N ? U-) Ln U'1 N N N (N N z m co co co u, L'1 u? co -- - /CaaAfFa - - (2 ?m LL - - L) m ---- ---' - U) L) m 9£ Z?0 ; I ID Ni m - t I _ ,_ m - QD t: t ---------- m ' Q, cr C' O O ' O .. ,E .m Z' m I LL ° N ?, CJ O S u a0? N N N N N N N 00 D ` G ? u U ¢ ° a ? .'^ E m tl C O N I E c U ? m m ?? ? I ° .> Om awl 'vow SI I - i > N N a N E z m a a J r^i N SJ r--I a R'i r-I r-{ ••i r •.t U ?W a a m `0 U --7 r- 01 t!1 O co Ln N O O O O T) d H d m c O d E V) V Q U m > a` d d y c i 0 i Z m a U. Cumberland County Urban League of Metropolitan Harrisburg .2107 N 6 St Harrisburg, PA 17101 (717) 234-5925 Fax (717) 232-4985 YWCA of Carlisle 301 G St Carlisle, PA 17013 (717) 243-3818 Fax (717) 243-3948 Consumer Credit Counseling Service 2000 Linglestown Rd Harrisburg, PA 17102 (717) 541-1757 Financial Counseling Service of Franklin County . 31 W 34 St Waynesboro, PA 17268 (717) 762-3285 ?z'.1--0`PNC BANK Lee Saurman Date of this Notice: February 2, 2007 35 Highland Dr Camp Hill, PA 17011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morta e on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is provided in the attached a es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to hel save our home. This Notice explains how the program works To see if HEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with -You when you meet with the Counseling Agency. The name address and hone number of Consumer Credit Agencies serving our Count are listed at the end of this Notice. If you have an questions- ou ma call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDiMIR SU HIPOTECA. HOMEOWNER'S NAME: Lee Saurman / pat-ice Saurman PROPERTY ADDRESS: 35 Highland Dr, Camp Hill PA 17011 LOAN ACCT. NO.: 040-03-4)48014303292 ORIGINAL LENDER: PNC CURRENT LE)QAWr4VfiV ainJ Q pup Consumer Lcan Center 2730 Liber.. Avenue Pittsburgh Pennsylvania 15222 ?PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM U MAY FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS m? r xum IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face- to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (3111 nevc Tr VnT T -- XT/lT . "HOW TO CURE YOUR MORTGAGE DEFAULT" DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers ofd isaced consumer credit counseling agencies for the county in which the propert y is located are set forth at the end of this Notice It is only necessary to schedule one face-to- face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR O)bVIE?TE % APPLICATION FOR MORTGAGE ASSIST.?NCE WILL BE DENIEIem er o e inanci e c o Q Consumer Lcan Center 2730 Liber'r Avenue Pittsburgh Pennsylvania 15222 PNCBANK AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 35 Highland Dr, Camp Hill, PA 17011 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly yayments in the amounts of $401.18 for each of the months from October 2006 through January 2007 Other charges (explain/itemize): Late Charges for $115.32 TOTAL AMOUNT PAST DUE: $1,717.36 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 1717.36 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either b cash cashier's check certified check or money order made a able and sent to: PNC Bank NA 2730 LibertAvenue 2°d Floor Mailsto : P5-PCLC-02-N Pittsburgh, PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney fees Member of The PNC Financial Services Group OTHER LENDER e2jqpdUmpayatw Rwcby? pwm?wj?for2d?e unpaid principal balance and all other sums due under the mortgage. 10, PNCBANK RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paving the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the Date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank NA Address: 2730 Liberty Avenue, 2"' Floor Mailstop• P5-PCLC 02 N Pittsburgh PA 15222 Phone Number (412) 762-8048 or 1-800-878-0027 Contact Person: Beatrice Grates EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. e truly yo r , ]EX Arlene West Member of The PNC Financial SeryWgBW National Association CC: I" Class U.S. MOillspoatagerpteptaid2730 Liberr, Avenue Pittsburgh Pennsylvania 15222 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) 'PNCBANK Date of this Notice: February 2, 2007 patrice Saurman 35 Highland Dr Camp Hill, PA 17011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached a es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to hel save our home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the counseling Agency. The name, address and phone number of Consumer Credit Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAIMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: patrice Saurman PROPERTY ADDRESS: 35 Highland Dr, Camp Hill PA 17011 LOAN ACCT. NO.: 040-03-048014303292 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Member of The PNC Financial Serrices Group Consumer Lcan Center 2730 Liber-; Avenue Pittsburgh Pennsylvania 15222 e-PNC BANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM U MAY FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS inr r KuM IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face- to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. 'YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORT('?A (- T TD -rn n , Tr r..r „ . . ,.HOW DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and tele hone numbers of desi ated consumer credit counseling agencies for the count in which the ro ert is located are set forth at the end of this Notice. It is only necessary to schedule one face-to- face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME LN1MEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Member of The PNC Financiat Seriices Group Consumer Lcan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 eRt& PNCBANK AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 35 Highland Dr, Camp Hill, PA 17011 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly pavments in the amounts of $401.18 for each of the months from October 2006 through LAS 1 Other charges (explain/itemize): Late Charges for $115.32 TOTAL AMOUNT PAST DUE: $1,717.36 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 1 717.36 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: PNC Bank NA 2730 Liberty Avenue, 2nd Floor Mailstov: P5-PCLC 02 N Pittsburgh PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney fees ael if The PNC Financial Services Group OTHER LENDER ME4DIES - Theeder also suo? $ersojall f?4e unpaid principal balance and all other sums due under the mortgage. ° enter 3iberc, enue Pitts rg ennsy vanY a TNCBANK RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paying the total amount then past due, plus any late or, other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with Sheriff's Sale as specified in writing by the lender and by performing an other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the Date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank NA Address: 2730 Liberty Avenue 2"d Floor Mailsto : P5-PCLC-02-N Pittsbur h PA 15222 Phone Number: (412) 762-8048 or 1-800-878-0027 Contact Person: Beatrice Grates EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. V truly yours Q Arlene Mest Member of The PNC Financial Serv ,F"f*r?1k, National Association CC: 1S` Class U.S. ?b &PP114WR P'2430 Liberty `venue Pittsburgh Pennsylvania 15222 CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (see attached) Tl ? \ Q T T? C.1 s R C'n ?{ 0 (vo SHERIFF'S RETURN - REGULAR CASE NO: 2007-01345 P r ++ COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NATIONAL ASSOCIATION VS SHELLEY PATRICIA R ET AL TIMOTHY REITZ Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE SHELLEY PATRICIA R was served upon DEFENDANT at 35 HIGHLAND DRIVE CAMP HILL, PA 17011 LEE SAURMAN a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. the at 1515:00 HOURS, on the 14th day of March , 2007 Sheriff or Deputy Sheriff of by handing to ADULT IN CHARGE Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 14.40 .00 10.00 , .00 42 40 bo A So Answers: Sworn and Subscibed to .51agl before me this day R. Thomas Kline 03/15/2007 TUCKER ARENSBERG By. - - ?' Dep ty Sheri/ff of A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-01345 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NATIONAL ASSOCIATION VS SHELLEY PATRICIA R ET AL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE SAURMAN LEE was served upon DEFENDANT , at 1515:00 HOURS, on the 14th day of March at 35 HIGHLAND DRIVE the 2007 CAMP HILL, PA 17011 LEE SAURMAN by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 6.00 Service .00 Affidavit .00 T Surcharge 10.00 R. Thomas Kline 16.00v ? 03/15/2007 TUCKER ARENSBERG ---- 1? ?/ Sworn and Subscibed to Aago By: CZ4??- before me this day D uty She ff of A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-01345 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NATIONAL ASSOCIATION VS SHELLEY PATRICIA R ET AL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon SAURMAN PATRICE the DEFENDANT , at 1515:00 HOURS, on the 14th day of March , 2007 at 35 HIGHLAND DRIVE CAMP HILL, PA 17011 LEE SAURMAN by handing to ADULT IN CHARGE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 6.00 Ile. Service .00 Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 16.00 03/15/2007 ?YV TUCKER ARENSBERG Sworn and Subscibed to 310101 By: =- before me this day D uty Sher' f of A. D. 4 i M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. PATRICIA R. SHELLEY, Defendant. AND CIVIL DIVISION No. 07-1345 Civil Term PRAECIPE TO SETTLE AND DISCONTINUE Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff LEE SAURMAN AND PATRICE SAURMAN, Counsel of record for this party: Terre Tenants. Brett A. Solomon, Esquire Pa I.D. #83746 bsolomonna.tuckerlaw.com TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 BANK FIN:307029-1 000011-131498 r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-1345 Civil Term VS. PATRICIA R. SHELLEY Defendant. AND LEE SAURMAN AND PATRICE SAURMAN, Terre Tenant. PRAECIPE TO SETTLE AND DISCONTINUE TO: PROTHONOTARY, CUMBERLAND COUNTY Kindly settle and discontinue, the action filed in the above-captioned matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendant, Patricia R. Shelley and Terre Tenants, Lee Saurman and Patricia Saurman. P.C. By: Sworn to subscribed before me this dgy of September, 2007 My Commission Expires: Brett A. Solomon, Esquire Pa. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 PIc>` 11-181 sew Cm nlllp ?-,xvroe May 29, 2009 firwnr. P.nawAvanla Aaoolatlon Of NoWd" BANK FIN:307029-1 000011-131498 ._ ?, t .mot ?.' C `r r--? N t?? ` ?`?