Loading...
HomeMy WebLinkAbout01-05549~'S IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK, successor in interest To PENNSYLVANIA NATIONAL BANK Plaintiff vs. ROBERT E. RIGNEY AND WENDY L. WICKARD A/K/A WENDY L. RIGNEY No. QI" ~Syq Qw~l COMPLAINT IN MORTGAGE FORECLOSURE Defendants FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD FOR THIS PARTY: CERTIFICATE OF ADDRESS: 207 NORTH 24~ STREET BOROUGH OF CAMP HILL PARCEL NO. #O1-21-0271-085 LORI A. GIBBON, ESQ. PA LD. #68013 JON A. MCKECHNIE, ESQ. PA LD. #36268 Bernstein Law Finn, P.C. Firm #718 1133 Penn Avenue Pittsburgh,PA 15222 412-456-8100 BERNSTEIN FILE NO. F0008665 NOTICE THIS COMMUNICATION I5 FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK, successor in interest To PENNSYLVANIA NATIONAL BANK Plaintiff vs. ROBERT E. RIGNEY AND WENDY L. WICKARD A/K/A WENDY L. RIGNEY Defendants No. Qj-55~~ NOTICE AND COMPLAINT 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 upon you, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court, without further notice, for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service PA Bar Association P.O. Box 186 Harrisburg, PA 17108 1-800-692-7375 COMPLAINT 1. M & T BANK, successor in interest to PENNSYLVANIA NATIONAL BANK is a corporation with offices at 1110 Wehrle Drive, 2nd Floor, Williamsville, NY 14221 and is hereinafter referred to as "Plaintiff'. 2. Defendants are adult individuals who reside at 207 North 24th Street, Camphill, Cumberland County, Pennsylvania 17011 and 142 N. Woodrow Boulevard, Toronto, Canada MIKIXI. 3. On or about April 20, 1998 Defendants executed and delivered to Plaintiff a Mortgage on certain real property owned by Defendants. Said Mortgage was recorded in the Office of the Cumberland County Recorder of Deeds in Mortgage Book Volume 1452 Page 762. A copy of said Mortgage is attached hereto, marked Exhibit "1" and made a part hereof. 4. Of even date with said Mortgage, Defendants executed and delivered to Plaintiff a Line of Credit, a copy of which is attached hereto, mazked Exhibit " 2" and made a part hereof. 5. By the terms and conditions of the aforementioned Mortgage and Line of Credit Defendants agreed to repay certain sums to Plaintiff and, in so doing, to make certain monthly payments to Plaintiff as is more specifically shown by said Mortgage. 6. On or about July 24, 2000, Notices of Homeowner's Emergency Act of 1983 was sent to Defendants in accordance with Act 91 of 1983(P.L.385, No. 91), as amended, and in accordance with Act 6 of 1974(P.L. 11, No. 6), as amended, and pursuant to 12 PA.Code Chapter 31, Subchapter B, Section 31.201 et seq., as amended, and that an action on said Mortgage maybe commenced after 33 days from the postmark date of said Notices. Said Notices Further advised Defendants of Defendant's rights and obligations in accordance with said Acts. Copies of said Notices are attached hereto, collectively marked Exhibit " 3", and made a part hereof. 7. Plaintiff auers that Defendants are in default of the terms and conditions of the aforementioned Mortgage by having not made payments as agreed, thereby rendering the entire balance immediately due and payable. 8. Plaintiff avers that the outstanding principal balance due is $28,653.04. 9. Plaintiff is entitled to interest at the rate of 7.75 percent per annum. Interest due from March 25, 2001 through and including August 31, 2001 amounts to $967.33. 10. Plaintiff is entitled to late charges of 3% of the monthly payment of principal and interest per month for a total of $90.06. 11. Pursuant to the terms and conditions of the aforementioned mortgage, Plaintiff, at its discretion, may do or pay whatever is necessary to protect the value of the property and Plaintiffs rights in the property. This sum is currently unliqudated. 12. By the terms of the aforemenfioned mortgage, Defendant has agreed to pay reasonable attorney's fees in the amount of $950.00 and which will increase at the rate of $110.00 per hour depending on the extent of litigation required. 13. Although repeatedly requested to do so by Plaintiff, Defendants willfully failed and refused to pay the aforesaid balance, interest, escrow advances, late charges, attorney fees or any part thereof to Plaintiff. .~. t=. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure against Defendants, jointly and severally, in the amount of $30,660.43 with continuing interest and late charges at the contract rate plus costs. BERNSTEIN LAW FIRM, P.C. By: Lori A. Gibson, Esquire Attorneys for Plaintiff 1133 Penn Avenue Pittsburgh, PA 15222 BERNSTEIN FILE NO. F008665 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he\she is the Banking Officer for the Plaintiff herein, that he\she is duly authorized to make this Verificafion, and that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of his\her knowledge, information and belief. PERI SARAC-FLII-1AN BANKING OFFICER 275862rBDD15 ~~q~ OPEN"RND MOR?GAGR ~~~ ~G~(~ d" t Mortgage 8xcores Ohd6atory Fu(ure Adyanres) 7$ISMORTGAGEiemadethb2Dth anyoiA0ri1 I~betwe~lI18EA7 E pIBNEY a n~D7 N 24'N STREET, GAMP Hill, PA 17011 (whethm onemmarc pemonc celled "Owmr'9 and Pennsyl Yaniq National Bank ('allea ^Lettaer). OR9 South Cepptre Street Pottsville, PA 17901 WHEREAS, ._$DAEA7 .E Bf.RNf y?IID NEAIIIy L RiENEY (whether om or more pereop called "Borrower") has been gpmed a HOM -. O I7Y LlNF OF ~.R OIT' Account (called [be " t) by or with a Credit Limit ..en , IIpBO'. nn , as evidenced by an Account Agreement (celled tbe "Agreement') daeM APn1L ZD 19 ~_ WHEREAS, Lender is obligated wtles the arms of the Agreement to make advanras w Borrower iron time to fime up ro the amount of [he Credit Limiq and WHEREAS, Borrower hp agreed to repay aueA obligatory advances arm inrerpt thereon in accordance w~it}h~tha4~'of the Agreement; NOW, TNERBPORB, in tmpidertrtion of the above premises ant to secure ro Lender the rc f allYhtoCnnC ~vb, with iotmeat thereon, advemed to Borrower. in aceordarwe with the terms of the Agreement, the payment of ell auras, - mane, advmceed ro protect [he aeeuriry of thu Mortgage, the perfomtame of all covenanw conmioed in the Agreemem end the Mort 811 extepions, renewals, modifiptiom and amnttdtnems of tbe Agreemea6 Owner dose he9rpeebeym molsrtgage, gran[ and convey ro Linder aU of the following described real estate, rogmher wkh WI iroprmements now or 6erpfter erecmd, amt ~ N 2-0e~N• fiLAte acid appurceaarmu Ihernoo, lomted au 22U® n 2 TN ST t CAMP NIL CUMBEAL ~ , Cmnmoowealth of Penoryivnnia, (the "Property"), TowmhipiLSty/MOnicipalit otoy- County which was tamveyed m Ownq.~ and dated 1'Sa ruary 28 f~_, and dWy recordM in the ot[ae wr me rcewrmng m ueeoa m seta County is Deed Book No. l ll~ Pag 387 ,Tea Patael Number (m other Uniform Parul Identifim, if any) as the Property is therein demribed end, [] if checked, M the Property u more particularly demribed in ExAbit "A", which u attached herero and made a part hereof. Owner and Lender covenant arm agree p foliowa: 1. THIS M AN ADVANCe MONEY MORTOAGUB u expressly undertroed and agreed that thu Mortgage stemea, inter ells, certain oNigarory loans ant advances sb be made from rime ro time by lender to Borrowor pursuant to the Agreement, which fumrc adpoces arc secured by chic Mortgage as if made m the date hereof. 2. Owner arm Borrower warrant arm represent b Lertder clot Owmr owns ant ie lawfuay seipd of the esmte hereby conveyed and fins the right to mortgage, greet ant convey the Property, arm that the Property u unencumbefed, except for emumbraaea of record. 3. Borrower ahWl promptly pay ro Lender interest, principal and arty other soma due under We Agreement, in accdrdanee with the rorma of the Agreement. 4. The proceeds of any award m claim tin damages, direct or mnaequentiai, in connecdm with any condemnation or mhm inking of the Property, ar part thereof, or eomeyaoce in lieu of cendemnarion, are hereby assigned and shall be paid ro Lender, mbject ro the terms of any prior mortgage or security agreement The proceeds of such award may, at Lender's option, be upd ro pay the otttstanding amomt under the Agreement seemeA by the Mortgage. 5. Except fm any mdse required utader applirsNe law to be given N anmher manner, (a) any entice ro Owner provided Far in this Mortgage shall be given hy' delivedng.h perwmlly or by mailing such entice by certified mail, add[eped to Owner at the addrcae of the Property m at such other address as Owner may dpignate by entice ro lender es provided herein; and (b) any entice to Lender shall be given by certified mail to Leader's address hated herein'm ro such other address as finder may designate by notice ro Owner p provided herein. If mdce is given 6y certified mail, it shall be deemed to have been given on the date of mailing. 6. Owmr will not sell, give, tmnafer, m emumber the Property or any right in the Property. in whole or ro pen, without Lmaer'a prior written penniuion. 7. Mortgagor shall be in detanlt order this Mortgage if Mortgagor breaks any promise m fails ro perform arty dudes wnmin<d in thu Mortgage m in the Agreement. 8. On default, Mortgagee, after notice requiretl by law or in the Agreement, may take any action allowed by law m urmer the [eons W the Agreement w [hu'MOrtgage. 9. Any excension of dine im payment or rcdm6m of the amine[ due under the Agreement wh¢h is granted by LeMor to Borrower shall ram operate to release in arty mannor arty other Borrowu or Owner under [he terms of the Agreement m this Mortgage. Arty forcbpmme by lcoder m exercisittg any right or remtmy order this Mortgage or otherwise aaorded by applicable law shall not be a waiver of or preclude the eaercire of any amh right or remedy. t0. LeMer's rights and remedies under this Mmlgag< ahaM be cumulative mm the exercise of any one ar mine of these rights shaa rat preefur4 the exercise m any other right m remedies specifically gmmed in thu Mortgage or permitted by law. 11. The eovemme and agreements Aercin cenmined shall bind arm the tigh4 Aeremder atoll inure ro the reepatlve anceesaom and paigp of me parties. If more then our Owner signs thu Mortgage, chair obligatiom shall be jmnt and several. 12. As additional sxuriry heremder, Owner hereby apigns ro Lender the renm of the Property, provided that Owner obeli, prior ro the deelaradon of an Event of DehWb have the right to collect and rcmin ouch rents as they become dm end payable. 13. TTe Smte elm local laws applicable to this Mortgage shall be the laws of the jurisdlcarim in whkh the Property u located. The foregoing aentetcee shell rat Smit the epplicaMlity of federei taw [o this Mortgage. In the event that say provision or eletwe of this Mortgage m the Agreement mnniew with applicable law, ouch eonaict shall rat enact ether provisions of tfiic Mottgage m the Agreement which ceo 6e given effect withmt Ne emflicting pmviaiem and to this arm the proviaioro of thu Mortgage and the Agreement ere declared m 6e severable. 14. Owner agrees [bat any interest payable after a judgment is entered, m m atldifianai amne advattced, shell be at th< pine me u u anted in the Agreement. PROVIDED, nevenhelesa, that ehmld Lnrmere obligetiota ro make advarlcw to Bortower pupuant m the mtma of the Agreementbe termimted, end prmided furrhermorc, tlmt shoWd Borrower pay N full all auma recured by this Mortgage, then, m written demerm of Owtrer, Lander shall, within 10 days, either ptisfy min Mortgage or record or deliver a written releace of thu Mortgage to Owner. IN WITNE WHEREOF, each Owner AesLLhe~~remto set hand end seal the day and year fimt above written. WITNESS , /' / Jf/r./sr« ` ~ ~ SEAL) . ~ W owner R BE AI NEY SEAL) D S Y MOAAP2 (OINK) IanaaOWEpa-1 LOGYanEdaIGMPL) 3961fi~a~y PA~ PAGE ~ OF aft.. ~ PAG£S ~w~wi~w A- - R~a~usmi~ !r „-~:•sr ;: 3 ey: iCUT~IAIfiNWEALTH AF rENNSY.LVAAIIA couatarfr qF ~.+.~~~ld~-2 • ~ Onthu, ltie~".(2 day or -~?~~ 19~~ :apetn' M LnhTy 1-edddt, dt the ~ddeEer;ftld'drkL rsld3hntem ~ itE7d1-~1:ragtPAff-$fr1316, 'I~k '1~93'A' - ~. '.. .. Pule: ~T~nfV a~ executed lM1e s'sme for the puypse herein eooreined and +ksiredit iN'W1ANa55 WH$R73OF, 1 have hereunto eet my fiend aM oifuiel ud. My Cotnmiceiop J l5de or OfRq CAMAIUNM'EALTE OF PENNSYLYANW i.oan No.2738624O013 ROBEAT E NdGNEY - - "~ U ~{ =' U E r ~ 5 WENOY i NiONEY ~ Mb'S2LANU COUNT*-F= 207 N 24TH STREET CAMP HIl1, PA 17011~~ ~~~ ~Z ~~ ~~ To PennsYivanfa National Bank 130 Court Street P.O. aox 3167 Williamsport, PA. 177 H61MOR72 (OIN7) Recorder -Please CGMMONWEA4'I'H ;GF ~F-l~F1~Y,L`V1~NI'l1°, ~. 'EOUNTYLF StIN9ERLdNb RecotAed ,on glhc ~ ~ ~ 'deY of ~ I tl~ A~P 1)t ~(,~ in the Recortler's fd{flce 3Wd,COWpy Id h4gle~'~'polf i -f'G~ . _.. iP~b b adetlttheekirT`~Nkx'r~1fie ; ~ „y U __ _ ®„%~'" BSI' r~wYtY15~v$ltla PflnnsylYania Nai Tonal Bank NaiiT~la.^.nal NOME EQUETY LINE OF CHEDR Wn FEDEPAL TRUIN•WN.ENDYO DISCLOSUP¢ STpTEYENT • PAST ONE Ac NumDaz `~ 1R OYB ey2e rOB r1~G k14BdM1B' B Accewl NYmbd r.Bremnml rcmeymmY maw wn1 p n w Iw a:n aay PI ry+. Bn1mB Lycl Id ^. rb Ne mla p B4 anw rAasD.r~ilunp Ilw lawwmwl Nlase. me BOndxer wu1 no M enle 1D Dwe~n arnmwa d scan d me Account Tne Ipgm W NB PpwmYM Pllw wlll ba IB v0B'a FWNICE CNAl10E al all Imws 11m Nrc AV'eenlerll a m eMn, rxluarnp en emDa anx 1rmlon wMm Isere rBm m WWImmI azbalance w me Mine BrI1mB LYmu GYra1Gp11pwlMf AcCWnI wll ba cBlculmpE cl IM teal OBv l nB waY. WHEN iNKNCE CMAPOE BEOIXS. Tle F xKe CVarpb eaM advance or Dean w me Accanl wnl born m eocme Irwn Ise ear IM eevmce m Drell ra poSIBO ID NB ABCOMI llle FnBrbp LfiBfOe CdIIrMrBS Imrl Na p11a1NarnB rrrnwnilrrBBBw ~6r rob nnp n~ cnerarw Me'np wtrra aeon rs enweee PEWODIC PATE AND ANIWIL PEIICEMAOE PATE. Tus Pccwnl Ma a enaMa rN¢ IeatWe Na mB amYY PNLenlaOe Pete. Ih0 CM6pMalrrp parry ronparc RNL a me rnmWn pnmry peymxn mrmpa dy I TB Dxlye. Perrpalc Psle IIaG az d Inrc DrBCIDaure 3181 111 wNM. mr zpmtls b n IINNUpL IEPCEMAOE PATE DI wtl slap Ne erMl role M NB aYe W Nr6 araGmum SlxMneMl. Tle rue K boar 10 cpmpa M Ceccnbea m me YAPIAPLF PaIE' parprapp DI MIS pu6clpur¢ mpe4 alnuu rem. reps Is me "xwY amry bnmr4' br Nx mv. YETNOO OF CAYPUIWO i1XWCE CM1pOE. Lxber well Eanpu;e rM FrnYba A11NUN MFMBEPSNIP fEE. Bwrpw¢r prw IB p% n MbeaB MnuY OIYBe kr Ne BIII'vrp CycIB OY rmrWpYy rq Ne aeluel adlly talenne br eadr day M¢mb¢rmrp Fee pl 4 1 dw tlw first billip~%da asst NB ame pl'Na rMe I me Blllmp (.Yde by Ilb Oetly Ponpolc PYe. 11p Fvbe Txpe Id me Blllirp arq aBrepnml, m¢n ua~rreew YBx m Vn vebery Dab M Ne rlme ma C Ge. ra me awn m Ne Fnsrbe OlYpn M eeN d ma aM rn Nn B+IInO premlttrt a VAflYBIE PATE. TAp Pmun Percantpe Paze Y any 1vw well Da tlnemrnq BECUPT' NFEAEST. awmwer p1vm~ ma Lelbn eazunry mem61 real OY Badlp me 'FULL bUPGIN', wbU wrl nd mlmBe yn Ne 1¢ml OI Ne Ige, plmey er prOperN dl aBp0Y1 N Xle Lane& b BWro Nis Mcwnl. p Cdlne.dl aawmp ptlw DpOpYIdN tp Lmdx may Ysp secwa m1s McWVa Acecun4 Ip mB 41tle~ anus MucO mlI tllmpe lyn ume Ie pme LATE gUPOE BMPWBI prw m pw a IYa mwBe M enV peYP1Y11 rm merle iNe IrbBd re me 9t-0ey Trewry 6n' wm4'a dreamt; rna az M tv me O3. wrmm fiBeen OS) dM hwn Na Ne aYe. ape InA Nrarya wi!I 00 3t d Nc PzWY Aumlyr bt NB IM NcESI W rv md.N ~ PUbbsllxl n 'lla WYrI BmWm men dx and n la %ml Mu N. IYe M ~e ba Iw Nan stap0 w mpB $VBaI damY TD ademurw Ne MWrI ~pmlpB Pme Illal we. wlu app1Y m N6Yr s'15.Bp. No IYe tlrxpe wtll p0 aw a NB m Na paymml ¢ tae yalr try, pn Np Mr61 day I ywa Wllip cyGO WQ wlll qp mYBln b 111¢ vlUUe cwllNUrn9 aellpwncy m a pnw PeymMl pl becNVU, altar tleleWl. IM Wl6lYlanp OI 114 maea and rbala NB MYIt w 'a NB Mvl boiled 25% lb 'FALL bfiwnra becam¢ aw. M4RGIN• br Ne ersanl rs ~ a,pp % wn1N 18 saaBa ID in0 Inaea. I' PENWI IIEM FEEB. We will M Rebm Itan Ke DI g25.pp (p yl nl net Ne maea beWMa IbBVtllBble, Tia~ww may chaD09 83 pemunee w applicable YnOYnI Nlpe6d by eppllwble lawl~rwry PemrNll ra nwtla wiN a dadY Net rs law. ma Ynaef ntl lwOm' uutl dbx N1s prwlml. alalmprea Ne ecmb 1nB gwYJB1 PNCYr18pe PY9 tlar nd UIGYOB Cu18 pMx mY1 IMYMI. PrtlNapW. N BtlmDwr II YW w*i1B a IirN d crept U.dr d rwxB m aEvamB w N'la aV".CYn1 ma BW creart Imt rs na wdlable. ma Aw dlmae In Ne Amun Peroal4w Rafe well a mpllcebm m Ne Nm w rn^o. m aavmW we Wu mows a Nemm nem rs a BBS.Bp. puatYbNO lams d anwewN d deM1, wVl me Mnud PercxOape Pde Napes STOP PPYYENT fEE U yp rpwl PwmwMnie NYrmd BW Ip 31p paYmmt apein. 11N ANNUAL PEBGFNIPGE PA)E will nerBr avcBea 1B%. pl yry Spatial Cbedt. Pemaylvanie Nwiwlal BYIk will imuw a slop peymYN IeB An mct In Ne MWeI Percxllpe PYe m Y rtlt m a MBnx mmmly 1 WA peymn0. 1M mcrBW wiY 4k0 tllBtl dl Ne fist a% d Ne nW dn1n0 cYCle. PESFMCM/COPY FEE If yW rpu Y e coy pl a SpadY Lnecd. Pxwsylvmre PAriENK. Ourm NB GrM FTNe. Bprpwx Ba Ip paY a IMnmum NBIImO BW1 wll! mpp60 a WA gIYBe Id eadr ilxn IBpY091011 bdn fim, p e Wa r Bre p (21 m¢ wlslxan crar90 Ip ¢BN Item epwY~ M1tm M1GN. A Wax pp0 Uxp¢ w111 Ti0 BMVrN Peynlenl, MuM will M Ne Sd DI (t) sEO.W. or B puce M uplx M e Gubp atuemenl, Inlne Me rpusst is meM n cprv4cllpn prulnpel bYmrB due azwued inxed Iw me dnlnp was tuned 1 >5x. prw w m a prppx wrmn nmlu m a anNB pier. n DM1d wetlil 4W InOUrnpe pOmnm. Y lead rl appllEmy. ebm rime Ipe ApYANCE9 OP CIIEON. Bononar mw D01ein aMmw m crept m tlb Advrbl a Ieb mrergea. BpYIDbp wIN Ne PN~ BPBUnp CYYe pl qb gapBMNnI NraSe. MXI ~ Ne Or Nlese. l.naer prw Ip mBFe eMdrlcn d paGl ar 114 AECNnI wMm will be me Iplat Bwip CyEk BYn Ma aYe d m1n DISGmWB, me Bprwver 1 prw ID P% a Mlnimun MwNY PaymYll, wblml wIII w Ne prwler Dt of 850.a, i°ppKp yrazpg ryp 6laea d NB Nmle EVBIUN Lv1e daCretlk Nple ma ApraYrlprl 1~)($%. puNI1tY CITY pr0atl Iik uiMYrYrW Oremlm4,%aMW INeI~! crag Omea EMJI Bmmmmer prw NN my dle Dr mme BMwYa meY DMeN tl'rMwa pt aOplKBbk' c p111 Na AncpPl wrdlDw NB EMfiptt w YB^Ywe W my dMr Bwmrrx, br dw em ~tw Yb IBIB mulpes In ro went well NB µniman Mmlfi.} Pwmem y1Y WrOC6B. All pavxw a aetlp DURIUa by Yry Bprrcwx. W all dlbr Oredlx Nm NB ¢m/B bermes m IM Accwml. mlargx 1p Ne AccpFl! u Ip wpidr any Bprcpxer press, stall pB prWBr NarpBs 4PPLICATN)N OF PAYYEHiA PaymT18 m0a¢ On ma ACCwXn well be ported rp Ip Ne ACBIMN Ne M4ewmp OraBr: IBIS Gw9es, fiwnca pmBrp84 opDmY CrBan IIIB .n6WenCa. Ymal rC nbYEND Iwo. relwn Bmn bps. a Nen ro lne M. IvlernB PrlncrPY BarmYS mw aWn eavtlleN mF prFM on IM MLwnl N Ya YOppwlq NaYF: homes. SPECYI CNECNS. Bwrpwx mry Adam BMpcm DI petlM1 by wnlmmpp wB d Ne PflOPEPTY NSUMNCE. Prcpem' InswBpe rs repunetl w me Mpnpe9etl Pee spepel does. a poly DI wbiM well pe avMlable w ryes IapaVU MxOe es PrppeM. F1Bpa InNIBIIEe (il gpPllCWle1 i8 rwwBa al 111¢ MMBeBpa PBBI psGWM In NB 'mlpwranl PNJWWtl pl ixm6'. mmeM Bmrpwx may Eb1Yn Propety IraurYae ndn myMe BmDWeI alDmea OVEPOPAFr PSOTEMION: If yW Mew a rpulp ch k pr yrtlmrize a Nxpe MIp Is acurleble ID N¢ Lxber panB1 volt dlBBllbp acepYll :.`JMCLIp eCEWIII a FI810a ObMB) aYrYlp IM M8w TA% OEWCEN11LT'. BDrrbrrx andMB ccnsull a as eWIBDr pxloa M mess NYr Ne bYanw In Yplr tllBmlaW eprMl YW will be awned ID mMYOldl3y p' vlleeesl w1a tllx rpa'pp `be 118vp rpwm00 w BOVww d eraert Yla w0 WI p1pnYIWIY Iwo n W 011 Ip 9¢S br IM accWni. er 1118 WxarM, Yp ip yWr crNll Ilmry All Ndr Ipw well W I WIa M 850. _ ;wnrUea M b MB nBdl nlpM• Les 1NB Lm rwu 1n B Ism Im pme Nan Na amnl ,pYBBIea m Nls B.sa. my xlcau abwB NB repwuea wbwa remxna rn roar cneUmp pwml. , +e ~s vdimle ID my Bbrtawerlsl aM re rue) E5 yeea pt a0B d YDUnper hbpcl Ib eccplmcp by IM InwrYrCO EdnDYy, wWl tlrwrw+tt Ednpe%, alwry e home when pv BD'IVwerlsl wgnls) Idr r me mpa M V4 Mrp BIII np Lye4 atie anx tla BerrDwar161 mxMel e0e 68. We 66 a me YIYI Mm )ligmldr Ib blem pl process erMn Ills a rY1w br vest gLCdpry whalnd br d yes rpn Id such ad0nce belw me wB WII IlevB np bb116Y1d16 Iq'W II aucll SxmLe ra npl WIY^ca. G(Wp GBMiw6 Illp 1DNIaIKB r9 8v811ada N re106 set py Ira Pa IMYrmCB DBpamDwl Yb IB aWlatl Ip mlanyB OY Nal dpBrPIMM. msurm UNION 9ECURnY LIFE INSURANCE COMPANY, WllminBlpn, ONewmP. By a0^"^B Bpndver rgwala Sngle Lrapl Lr@ Insurinc¢. wnrM costs BY erpnNO, bDN BOrrpwara rpwai Jdm CrBpll UIC bapmWa, wMGr war $f,B]B.t Der S+PB C6 Cer mpnlll pl NE aduil easy bwmce S ~~~ wr 31 W.OB pBl mmN DI IIIB mIV61 OBlly bdlmeB. G BnBNrB m BD~~DwPr IO be rnlUrpC aBe Sip^dIUrO DI PdrpxOr IO w NSYrBa AOB SgnatlxB pl Bwrbwer to be insmaa Ape NOTICE: SEE 3A OF TA FOR IMP011TANT INFORMATION IOH'19~PART'YWO F YF115 OISCLOBURE ` "kAL1I BOPROWER PCKNOWlE0GE3 BlLE1Pi Of A COMPLETELY FALED~ COPY Of4 13j~ UPE ON ME OABE INOILATEO / Bonowe~ ROBERT RIGNEY ode Bdmwar poop ~ R BNEY one EDP INSUflpNCE 5 HOT PEW WE0. CreaO dle Inmrmce le wl rwmrm Ip pplarn Mvmwa M neat. a pram9l Ip pry ma eaMVIXlm cpa1161 ilea ma~YMWI Cfatlrl LIIB NNr011G BvYldble r6 SSp.000.W M IM Bm~D.W odm amrmwrl tenaDr¢, IBOpewerleeppy4nnaerarminap eLOSNO COSTS. In doer lD wm mtl mdnlpn me ACCamI. Bpnpw¢r must par Ammn Fnmcea r'DOPPy "•P01 00057.00 ApdYae' 00125.00 idle FaemrnYWn Trrye IMYrancB Ybnery Fa PecprWnp Fee smoazl4n Fee BBGI <. GB Credal Pappp Document Wep. FM omen EXHI6TT ~- PAGE., ~._,_OF._._.,._.._,~IGES i, rs° A88EpT $ ARINEY FEDERAL TRUTIidN-LENDING DISCLOSURE STATENENT -PART TWO THIS OISGIA$URE 9TATEMByT 1$ GIVEN TO THE BORROWEp WrtN. AND IS PART TWO OF. THE HOME EQUITY LINE NOTE ANp AGflEEMENi. THE NOME £DUItt LINE NOTE AND AGREEMENT. THIS DISCLOSURE STATEMENT. AND THE DISCLOSURE STATEMENT ON PAGE to OF ?A SHOULD BE READ AS ONE POC~MENT POSSIBLE ACTIONS WNICN MAY BE TAKEN BY LENDER Untler the OI Iha Accaml acwrtlirg to airy olnar sacliW m Orovisbn OI the .. .islintos tlesmibstl bebx. Lantler can (:) IErmMale Iha Ilna OI tretlil. Agreement. P,ny of the i0ilOwing Lnntllli0ns WNI ba yrwnds for tootles to (21 re0u6e BOrtOwBr lO pay IM1e anlno WlslanNhg balance on IM1e APCwm lemporartly prohibit atltli110na1 axle05i0ns of tretld anlLOr retluce Ih¢ Cretllt n One Faymanl. (3) renlsa l0 make atltlbi0ndl Bxl¢nsions of tretld; (Q IimV' es Ina tretld limd, an0 :w 151 make specNic Changes Thal are sM IOgM1 1tl The valve 01 Ne Mongagetl Property tleClirres sigNficanlly below Hs bab TERMWATIDR 11 Ina ACCaunl ¢ rerminaletl. Borrower snap no lOngm nave appraisetl value fw Ua puryoses m the pWn. IDwe wbl ba a significant ' ' pry { ^~`~p; me ngM to obtain bal~S Irom. Or mike any cnalges 10. IM1e Atcwnl antl tletline if Ih¢ avdildble equity N excess of Iha cretlH limd al Iha lime o1 the appraisal is IesS man 50% 01 Iha'available equity in excebs 01 Ina e.i Lrrtlm mall no longer be obligaletl to make atlvances on the Acc0unl o-etlh IimR' al the time Ina AlxauN Is Op¢rl¢O TAa -availabN equity in TERMINATION UPON DEFAULT. IDs Bortower wkt be in Oelaull antl the excess of Ne cretlb Wnil' shall b¢ ere tliHerence between (a) the AcCWnI wB ImmNale, eH¢miv¢ uPOn Lentlar's Nmice of Tertnindli0n Ir appaisal vNU¢ 01 In0 MoHgagetl PropaM antl (b) IM1B win 01 lh¢ Cretlil Bortow¢r. V any Of Ina f0110Mrg ocwr' IimLL 01 IM1e ACCwM PIUS IM1e tr¢NI Find m ap Omer aC<Wnlc securer/ by Ifl Any 801row¢r w Owner nos c mmihetl a1ry hautl or matle any error MOrlgagec On lM1a Mongeged Propalry, pbs IM IM1en WMlantling matanal mibrepreaenlazi0na in Cwnptlipn wdn Ina AWwnl. IM1e balintes m all ONer pMr Nests anC ewumbrences. In its tliacrNion, appllcazi0n br the ACCWnI, IM1e Mongape. or arty informalron provitletl Lantler may OMdin appreLSeb hOm lima b lime m Lantlar's exp¢n6e 11 m mOresenlazbn made Cuing the term m lire Accwnl Lantler has prohibil¢tl aM¢nsi016 m cretlil antllOr reMtetl IM1e CretlH 12) TnB 6ortpwm tails 10 Pay the pdyments or dM' moor emWMG wnich Ibni4 2ntl IM1e value al Ina prW¢M subsequeMry btleas¢b. BmrOwer are tlu9 M cOnnt51i0n wYn Ih¢ AccCUnl ds promiseC in In¢ may provitle Lmltler won a written RpuBal to remOVe 0e f¢54it1i0n. The Agreamem within a0 tldys m the payment tlue Cate request sM1ell be aamnpaniatl by do dppralsN Obreire0 el BuyeYs (3) Tn¢ BmrOWef w DWnef lak% 8(YY 8mlpn Or Id19 !O Iak¢ dnV acLw1 expense wnicn was promisee in 1MS A eemeM or m the Mon a e, wnich W fie ~ the pis@We 01 Iha semiw, an appraisal aM1all be tleNrretl as a atlv¢rsely aHecls Ina LBntlef4 SO rily. Or in any dent of Lantler m CMifietl appraial by a Iicensetl real estate broker woo regularly. in Ina Hie sewMy cqurse oI MUnw hueNffi5. mdkffi appraiseb 01 COmpdrable resitlenlial 14i H Nnner axfPnsi0ns 01 metlit on Ina gCCWM dre OrOM1ibiletl lOr a reaz esW¢ in IM1¢ g¢Wrephb erect where IM1e MOdgdpefl Properly is periotl of time because Of a cirwmstanCe lisletl below. an0 IOCeletl wbSegY¢nHk' Indl CirWm9rarlta ^0 Ipngar aYisls. N¢ LNtl¢r mdy 121 Borrower is in tlalauil m any Malarial Oblipazion ibletl N Ina Agreement. Iwminete IM1e ACCWnI n ;ne Bortower w Ownw nos causetl o• snowed a Mongape m mhm lien to be recbrtletl agehisl the MMgagetl PRONIBRtON OF ADOIIIONAL EXTENSION OF CREDITS - AODRIONAL PrOpmry at any time, unlffia Inaz Mongage w lien is subortllnale to the CIPCUMSTANCES. If any M Ina contlN0la lisbtl in Ih5 section wwrs, Lenlber s Mortgage az b peal Mtl hxure atlvellcffi m cre0i1 on Ne Lentlw may IempOreMY pronibil alMdional eYlensbrls of cretit ar retlure Ne ACCwn1 cretlH limn Lantler will gib eortoww ndice of IM1e prohibgi0n. It f5) ins eomower w Owner sobs, gives dwdV. har161M, Or Idke6 drly ClrcumslallLes Subaepuenly tMlge 5q Nat IM1B to^C11ion ro Otgef aY15lE, dmbn (w Mils 10 lake any dcli0n) Mlimi reuses Or allows <Onveyant¢ L¢ntl¢r mall be Obngaze0 l0 again azbw exrellsbns of cretlit on IM1e Ac0ounl. d Ina Mongage0 Progeny. or ally paw Iner¢VI Or intm¢sl tnerem antl will give Bortoww nmica IM1M tM metld is again avdiMble. II Bgrtoww is N defauit antler Nis sedwn tludn9 d pedotl wM1en rgdnN t) Tna Lantler re ( Precb0e0 by gov¢mmenl acgon hom 'unpasNg Ne ax16^E1WS 01 Cratld ere lempOrddly Prohibiletl. LMder may, nevenM1eless annual pOrcMlage rata prOVil1¢tl IOr in Ina Agr9emeM lNmindle KIfi AccgMl in XrortlanCe wdh Iha s¢CWO ACCELERATION OF THE OUTSTANDING BALANCE Unless prmu0aetl by 12) TM1¢ prronty of Ne Lantler s seventy mleresl b atlvemery aVemistl by law. H Ina ACCWM is lertni0a18tl upon tlm&8. LeMer may. al its option. gOVemmanl acnOn lp Iha extent Inaz IM1e value m Ne cewrity interest Is actor nopce requiretl by law, tletlare into antl paybbl¢ IM1e ardre bala0ae bs6 Nan 120 pwuenl 01 Ina CrNit fimil. Owing m th¢ gccounf. it Nis M1apPerls eprtower will be requuetl m pay Ina l31 Tn¢ Lantlal is Mlif tl by ds regulatory agenry Inal cOnlim:etl atlvances Malantlin8 baMnte on Ina ACCOUnI in one payment a1 IM1aI Ome II BprtOww 6 h1 dMOld u^tl¢r VII: 9¢000n above IN¢U Twminali0n Upon t0^slihAe an uns0le dntl unSWntl praCli¢e. Defauit' tlunrg ttre Repayment PM1asa w tlunng a lime wM1en Ne ACCwM is (47 L¢ntl¢r redsonabty Omieve8 Borower will not be able l0 meet lne dlreatly Ierminatetl. Cantles may, aflm Iwece regllireA by law, tleclare Cue repayment requlremeMS W18 to a mazerul change in the Borrower's antl payabb the anlire balalxe Owing on the AccwM Iinantial WwmstatlCes- ii Lw~tlm rivuiares in baiurxe vin U uaYm"IZ, i __ __ :Ir,g l ~ 3 Trw_ maximum Anwei Fercw~iaya Ruin Ix ronu~cC. I Mredffie the Mongage w dke ottwr action ffi sail 1m IM1e Y^0u116 tlue. pwmMetl w PrOVitletl by law m cmiem Ina belanlre owllg CREDROR'S OPTN)N ON DEFAULT. II any arwmMarrce axiats which PNpMylvanb NkUCltal Bank EXECUTIVE OFFICERS ONLY. H Ina wWitl b¢ cagae Ipr LenCm to lempmadty proM1ibH hldM1w exlensbRS 01 tretld aggregate intleDledneas la any mhel balk Or banks ekteetls Ina amwnls on Vre ACCWM or retlute the tretld limes: (a) SucM1 emwn may be taken by speCitbtl W a CMBgOry N brine desrnb¢tl in Regulazion 0 OI the Fetlmal LOntlw al d1ry lima tludng wnich ttre Greum6ta(Ige cominuffi b exist. (b) AM Reserve BOmtl, Nan Ihk Ipan may become immetliarey tlue antl payable Ina mrwmsunca wWb also be reuse br Ina Lantler N INminaze IM1e PRONIBRION OF ADDITIONAL EXTENSIONS OF CREDR ANWOR Alxoum, Lentlm may, at its Wtbn, lake eHM1m acltOn al any Ume tlunlg wnicn Ina clroumsianca continues to a+icl'. Lantlefs remrltlies shall be REOYCTION OF THE CRBDR LIMB. ll arty of lne cantlilions listatl in IM1IS WmuMlive antl nW abemalive sedi0n OCWr. Landes may lernpwarily prpNbil aCQiliOnal aYl¢Ilsmlls OI m¢bil . PRONIBITION OF 4DOI110NAL EXTENSIONS OF CNE01T AT iXE antl:w reduce IM1e tretld Nntt Lantler will ^mM epngwer wHM1in Nree 13i REQUEST OF BORROWER Any BOrtowar may tlirecl the Lantler 10 business days antl a stalemenl 01 the reasa+ tw uch awon The suspMSion N eXeclive when Lancer mails the ndite 10 ewroww prmdbd IunM1er Bxlenbbn of Crerltl W the ACCCIAII. A nmice by airy BOrtpwer Suspan0ing Ina et00uM will nix aced BorzOwer's obligaziolre lO Lantler man iMenlbn rgl to be obligaletl for any atlSni0nN bans on UN AcLwnt antler Nib Agreement. If Crcumeiences suhS¢quenRy Ud11ge So tnaz Ina snail he cansitleretl a request to pmnibA klnnm exlenaiorN of crelYt. The Ina ConGliW wnicn gave tide lO Ne proNbilion no bnger exists. Lantler snail PronibXion sM1ad berome eNeclive ffi soon ffi Lantler can rffiwMbly act to be Obligdletl 10 dgdYl alOx enensmns of wetlH on Ina PCCWM or reslOre slap new IpdAS horn being ma110. Any BoIfOWBr wM1O lemetl in lne tequ¢at 10 the tretld limd. TRa Obligation shall commence fifl¢an (15) buvlress Oays pronibA Nnnw exlanswn6 m creOa must j01n in airy request l0 reaCIMMe IM1e after Ilse Lantlw receives a wM1en requ¢SI nom BOROWef aCtompanletl by Cretln Tina br sutra request 10 be eHaclive reffionabla ¢vitlertce Nat Ina <Ontldbn whicn gave rase l0 Ina proNlMi0n n0 lOrgw anRls NO <Wtl200 fi618tl in lots 60CIbn or IM1e tdd Inal SUtn COnC11i0n n0 bnger BYiSIC, slNll ®Ientl w ~n any way aHeaY (ne lertni^dtiM SILIJNG ERROR RIGHTS (Keep this notice br future u3e.) Tnis omits contains impwidnl eHOrmanon abW1 ywr ngMS anC Wr respOnsibililies un08r HN Fart C1eda Billing Am. NetMy W M Ctle oT Ertare or puesllOm AbPN Yeur BHI II yW Uink yWr Mil 5 WlOng. m II yW neetl more I^IOrmMiOn dbWl d Iran68Clron M yWf bill, WM8 us 011 a sapNdlB bna¢( es SOOn ffi pMEibM, el HIC atltlress nsletl on your bitl We must nee from yes n0 term Nan BO tlays after we sent yW the slazament cOnlaining the error TW cart teMphwle us, bM tlom9 so wp ram preserve yWr ripMs Ir. your lOHBr. pIBffie grout a Ne Olbwmg inloematiW -tour name and account number. - TM1B fbllar ynWT, OI the auSpatletl ertOf. - A tlestnpli0n 01 BrtOr dntl an explanazi0n m wnV You believe IM1ere rs en artOr. n YW nave WIM1On[etl us 10 pay ywr del MOmahtally hOm your saving6 or checking dtGwnl. yW trio Slap the payment on any dmwlnl yes lM1ink b wrong 'C l0GG Ina payment ywr IBHer must re0pn us IM1ree busina65 tldyb OelOr¢ Ne Vaur pIShM anC Our Reapwbllltloe eMwnallt Wymenl is sCh¢Wlatl to asses. WS mini dckrgw160ga your IBHer within 30 CaVS. umess we nave mrrecl¢tl In B ¢rmr by Nan WiIMn 90 tlays. we must NNm COnBG the eror Or axpMin why we bC68ve Ina bill was cornett char wa recdve yW I I¢Hm, we cemol try m cOllecl m repOd yes as tlelitgu¢n1 Im ant amwnl(s) m tlispule. WB may cwtirMe to bill yes Iw the amwnl In uu051i0n mclutlmg lirznc¢ rouges antl we Cdn apply any unpatl amwM egenst yWr Cretld limit. TW tl0 ^M M1dve M pay any quesliwlatl emWM wNi¢ wa are Imasugaling. bM you ar¢ still oUlgatetl l0 pay Ne pans 01 ywr brit 1M1a18re trot in gtNSlion n w¢ IwC tndt we mdtl¢ a mlEldke On the btll. yW will nW ndve f0 p0y any INMCB cndrg¢9 rela(ctl IO drry queSliM¢tl emWM 11 IM1Bra WBS W er1m, yW may ~du¢ Ip pay nnanG¢ LnYg¢S. phlfi mlba¢Il CdymCMS ledllrg b Ina tll5p 1atl a1rIWn1. In aINBf Cob. WB WII S811tl YW d sMtemeM OI Na d1110an1 yW OWB -:o one xle Ifw it is due it yW tat 10 peY Ina amwnl Thal we tNnk yW owe, we mdy repOd yes ffi CelNqueM However, it Wr explanlanOn tloes nb sOHsly yes antl yW wrH0 l0 us minin tan Ceys (Biting us Inel yes stNl refuse t0 pay. we must Imt anyone we report ycu 10 Thal yW nova d gb081bn ebWl yWr bN. And, we misfit INI yW ins name 01 anywe we reponetl vW m Wa must law azazryrvMB Wa raOlNt YW IO Iha1 III¢ mdllBr M1dS h0art Ballad b¢IWaml 115 Wnan I BnOy 16. I we tlwY IWwv NBS¢ miss. we can't wb0cl Iha fm bbg of IM1e tlisWletl dmWnt. Men d yWr bill was fACBCI. NOTICE: SEE 1A OF RA FOR IMPORTANT INFORNATIOR s ors FETIL-B (05.9]) IRmmwwr-I nnnv4 wndwMrh~inall \{Le ,,. aa-. - Pennsylvania National ~ Home Equity Lina Note end AgFraemem Banc DateA X4!$WP9 ~20'!nl'PBBBank Recount No. 275862!0015 Authorized Credo Lima $ 33.000.00 a SEPARATE DISCLOSURE STATEMENT, PART ONE ANO PART TWO. HAS BEEN GIVEN TO 1NE BORPOWEA WITH, AND la PAPT OF. THIS AGREEMENT THE DISCLOSURE STATEMENT, PART ONE AND PART TWO, AND THIS AGREEMENT SHOUID BE RFAO TOOEfHEP AS ONE DOCUMENT As usetl In this AgreBmeM, me bnowmg tlefmilions apply. 'Borrower means each person signing Ihis AgreamBnl as a Bortower, intliNtludaY antl. it more p'~ loan one Bortowa signs, all BOrtowers, collectively !.J'~i~~e~ 'Lender means Pennsylvania National Bank ,and any person a insiilullon to whom the Lentler azslgre its inlBrBSI » thu a reemenl ' 'MOrtgagetl PropeM' means me reel estate Iacaletl at 207 N 24TN g3T CAMP MILL PA 17011 ' upon which lDB Owners hwa given the Lentler a Mortgage to 6EWre payment antl parlaltnanGe of BprtoweYS obligations antler this Agreement. 'Owner mBBB each person signing Ine MoetgBge upon Ina Motlgdgetl Properly. Intlivitlually dptl, it more Ihan one Ownsr signs, all Owners, coIlBCiively. One or mwe Owners may also be BWOwers. 'AC[aunl' mgene the revolving loan Account wtY[h le Iha suDlBd d Ihis AgrBBmenl. 'AUlhonzed Cretlil Umd' meagre me Idol tlpMer Bmounl d cretld available to Bommver on the A[('aunl, Ntl le aMtetl above. 'Tertninalwn' of Ine ACPWnt meats that epnower will no longs be peMMetl to oDlan loans or atlvancaz d cretla on the Account. 'billing Cycle' means the interval bMween InB tlazas each month when the monthly billing s191¢rllenl is prepaetl. GENERAL DESCRNRIDN OF THE ACCOUNT. This Accpum b a rwolnrg aan accWM, securetl Oy a Mongege on Ine Mongagetl Properly OurMg the Drew Phase. BbnOWer may obtain bats Ot gm ALLWM m me wdys tlescrAetl in the 'AtlvenCa6 of Cretlil' section on the Discosure SlatemeM-Pan O~, up (0 the AWndixetl Cretlil Limit Loans wa be dddetl 10 Ito balance on the ACCWM ro be repNtl by moNDM iaymeMi As the balen[e on the Account 5 repaitl, me detlit will again be matl¢ available 10 Ine Bonowa. up to me Adhadzed Cretlil Limo. Airy baWlcB remaining on m[- AUWM M mB Bntl M the Draw Phase wiN be repaid tlunng the Repayment Phaze, bM rib iuriha bans wJl De matla tlunng the flepaymenl Posse The Draw Pnaze will begb aria me Lentler notiflaz the Borrwer that the detln haz been apprwetl antl the eonowers antl, a applicable. Owners rigDl Ip tercel Iha Agreement naa expiretl. imeresl wifi be wrgetl on the Wlslarldlg principal DaUnce al a role trial may change from lima to Noe. The methotl d calaiding the imeresl is tlescriDeO in Ine DisdoWre $latemem-Pad One. aOflROWER'8 PROMISE eormwer promises to repay any Brtenalons of credt end proper CDag08 l0 are AaouM, won bnaesl cdIWVM¢tl b accmtlance with mic Agreement Dudrq the Dew PM1aze antl dN flEpaymem Phase. Sp brg az any amWM tlue on this Acwunl remdre ur4+atl, eortowa Will peY aacD moots M M.aS! ine mbimgm payment due wAhin 15 3sYe o! me billing dale The medbtl d WlWlabrg ItW minimum Payment ¢ tlxcribBtl in the Discosure SMIemeM-Pad Orle. BortDwa wile pay all dha fe0s, CE615 and Maryea requiretl by Ihis Agreement. Inclutling d Cooper files aug ur takes other legal action b Copan the dInWM due on the Account or ro protect arty LolMtaal sewnng bm AWCUM. all reasdubl¢ WSIS inOlrteE antl reasonable enaney's lees. Borrower promisee to repay. upon tlanantl. em extension of 4Rda w ma nCCWnt IO VR Bxlant coal Ine Wteldntltllg prilbpal DdlanCe M Iha Account exceetls the Aulnorbetl Lretlp Limit: payment antler mis sentence will DQ tlue in atldlion Io the miMmum pdymeM tluB on IDe Account II Na Lentlar fanPOreriyy Pmhibns homer extasbns el cretlit. eortower promisBS 10 C0rlnnua 10 make IhB minimum Payments dre on the Account unaaedetl Dy Iha temporary prahibnion. MATERIAL OBODATIONS la) eonower will use the Mortgaged Property only M personal. Mmiry antl househdtl pumds9a az Bartower s pdncipal tlwellinp. iD1 9onower wilt make all 00ymeMS on the ALOCUN whBn tlue, antl will make the pdymen6 az Ine place antl m Ine manner sat IoM m Ine Dining sulemems. icl Borcower will pay or Wuse to De patl all taxes and aeseaamenis On[IUding mrwominium a similar azsessmems. g apprmable) which may obtain pnoMy over the Mortgage. when antl az theY b%Ome tlue. (tll Bohower will cause the improvemeMS exidilg an Iha Mongagetl PropeM to be insuretl ageprct loss by Ore ab dDa DazNd6 antl Casuanies bncWtling ilootl. M eppiiUble) with do insurance company acwptable m Iha Lender All popdes shell be ~n IDS IoM acceptable to Laura antl snail came LentlBr a 'bss-payee' Or 'atltllliMal loss-payee: az appropnale. antl provide iMt Lender be gluts rbt IBss 1Dan 10 days wdten noise prior m canceuation a retlucibn of coverage let fionawer wtll Pay w pertain all obligations untla any mongaga or secunlp agreement on me Mongagetl PmDeM which has pmrby war Ine Mortgage sacvnpg Iha Account III 6wrower wig keep. Or cause to he kept. Ilm Mongagetl PMPatly in gootl order antl repair, shell rid PBMtl waste or tlelerigretipn of iD0 Mongagetl PropeM antl shall rid use or allow the Mongagetl PrapeM IC be uc¢tl IOr any illBgal purpose II IM Mongagetl Property w a cantlanirwm or pan of a pMnrletl antl tlBVBlopm¢m Borrower ahaN comply w cause to be t»mpliBtl. with all bY'Iaws. reguMibns w rednbligns d reCOrtl {91 60rcpwer will Dartnh. M edYSB 10 be permipetl, iMpB[Ilpns ill Iha Mongdg¢0 Pmperry by dgBMa at Lentla. upon reazpnaDb notice (M ewowa will not sap, give or IrarSbr pvnaship PI me Mongagetl Property a ant rgM therein, m permit Wch sale, or ttanaror, in while or m Pan. wIMWt LBntlar's Prior wrilren CPncaa. (i) edrower wia rot PAmme hautl a make any misrepresenbgves in cpMNdion wM the AaWnL anY Personal NMndal sialamenis. approicdlc, a dha MMMBIbn provitletl Ip Lentler tluring In¢ term PI IM Account. Q) Bortowa MIIaM info or is Olacetl into Dankmpicy FEES AND CHIIROEB. CLOSING COSTS In oAar to open and maintain Iha Actounl. Borrower mull pay Carlahl IBes antl chagaz which are ITemrzetl in the Okdosure Sldemenl-Pad One. ADVANCES OF W1EDn. Each BplroWa agreaz Thal any one a mMe eortowers may obtain loans on the ACLWM wahod gla cPlsem d. agluNre d any oma BPDOwBr, for any OurpMe. All loans OblNnal by arcy Bbrttlwa, antl all dher Magaz to the Account as tp which ary eortowar agrees, shill De proper charges m the Account. 60rrowBr may Obtakl lCdna On dIe ALPWnI In me ways ducdbBtl in the Disc05WE BWanBm-Pad Drro. Lander b rid responeiple 8, for airy reason, an}rono fads cr refuses to narcr IDE Special Checks. err X airy dha device Lentla provitlBe to eortawa IP obtain bans tln me ACCWn4 a gamy au1PmNBtl Idly machme (ii dppkUDie) falls N operate d operates impropBtly el the time Borrower anempM to obtldn a ban Amy dolts Nat Borrower has dgaiml a ihirtl party must De resolve0 diMdly with and party. 60rtow& miy PrePdy IhB ON61anQng balance Pn IDS ACCWM. in wDOle Pr in pan, wahM oenaay A peYmenl on the Acwunt in arty BINng CYCIe d an amount greater Than the mnimum moMhy paymaa tlue, but Iaz8 Ihan the entire Mstantling baMnw, will be CaMitleretl a partial prepaymlxM1. A padial prepeymap wN De applied m redba ma Wlstantling DMance on Ine A:CPUnt Dot will rid pmlpam the minimum moMDly paymBnl tlue the folbwing monm antl will not chaga Iha way it's comPNetl. LENDER'S OBLIOATNIN TO EKTEND GIEDR. LentlBr agrees to'. (il doing XIB Grow Phase, Bxlwltl detlll on the Account m response Iq any proper request la credo made by Borrowx antl (2) during the firsl'Baaq Cycle PI iha Repayment Phaze, exfentl detln on IDe Accdml b resparee b any proper request M dada merle by 6orcowa, p the Proper request was kulatetl arW tlde0 tludng Vre D.aw PnaSe. A reque611d detlp anal! noI D¢ cpnaitlaBtl a proper request R 11) h wW10 cause ns oNStantlbg bakrcE on gn AccWnl to axceatl ma ANhoI¢atl Cretlil Dmp: or 121 it is recaNetl by W Lender, initietetl or dated tludnp a nmB when IM1e AccWnt le teMMatetl in awoMarbe with gla 'TerminNion' section of mb AgraBmBM'. or (3) n rs receNetl by the Lender. kaietetl or Celetl dudr0 a tlme when hxdsr exleraioM d vBtln are proDibpetl antler Yire 'Prohidlion d AtltlillWdl Enroncion6 of Cretlil' sedbn of IDe Disclosure SMIemBnl-Pert Two: a (al h is rmt made in accprtlance with the 'Atlvanlres of Cretlil' sedbn of Iha agreement In the evert d BWDwBrs tlBmn or legal mcapaCiry, a reWBal Id credit Dy Borrower will be a proper request if Ura ban b matle antl postetl to BIXrOweYS Aocaml bride Lentla receives when ndke of the tleaih w inraoaciiy THE ADDITIONAL TERMS OF 2A OF 2A ARE PART OF THIS AGREEMENT ACKNOWLEDGEMENT OF RECEIPT. Each person signing IDs Agreement acknowletlpes receipt of a complebtl copy of Ihis Ageemenl Borrowers Name antl Atldres GOBEGT E Bi6NEY and XENBY L BIGNEY INTENT TO BE LEGALLY BOUND. Each Bortawer signilq chic Agreement inlenx to De I@pedy-b3gltr( by Xs Isms, ircWtlkg me tame aMietl in IM Disclosure SblemMl L¢ntleh by approving Ine Cretlil antl %lablishmg In! ACCeunt NBS dvitlence0 its enl to be MgapY blab by me lams of Ihis AgIB¢meM - ~ ! ,~ T i r v t~ `..~.~.~.....\ __- x/20/88 4~-.-(l~~ -~,r--~ 4/20/98 6crcower pOB EBT 'E pIGNEY Dala BortowyrNEltOY L ~~II~yEY' \ DMe 6anower Delo eorcower `--- Cae NOTICE: SEE 2A OF 2A FOR IMPORTANT INFORMATION DENOTE pb961 IA OF IA (Banowa-t copwTentlar-0ryiwg ~_ :_ _ . `dJgg1E ~S_ OTHER PROPER e@dROEB TO TXE ACCOUNT. Lender may. al m option, anentl cratlL op Ina Account in response fo any omd reauesl fd tretlit made by Rorrdver d any lime. Sucn enrensions of credo shell also be LwNitlaretl proper thdgea to the AtfpgM AMENDM@N78 OF 111@ PERMS OF Tll@ ACCOUNT. L¢np¢r may ameno Ins Idms o1 Ins ACCWM by prior ndlce to Bortowar antler the fallowlrg ClrtYm6faMRs (1) It the index on wMCh changes in Vl¢ .AnnWl PBmenWge Rate are based w longer k publuhetl d is dnelwke unavailable. Lender may change trio Intlen and margin wed. Lentld will choose a new mtlax tool nes an Nslodtal movemam wbdaMidlN simmer to Ihs of Ina dginel index, and loo new magin vent ba Chosen ao Ina( lh< rww margin and index wwM resua m an AnNral P9rtenlage Rate vurbstantully simnel to the rde in elleq s Iha rime Ina oggins Lntlax becomes unavailable (2) Lender may make an iwgnificam Charge in the Terms of Ins ACCwnI if Dermaletl by letleral law f3) Le11tltt may make a change in the rertns of Ins ACCWM whkh will bd161n aortower Amy dher amendment d iris Idms d In< ACCwM must De ceMainetl in a wrigen agraemanl between Lender and eortowtt WARRANTIEB ANO REPRESENTATIONS Borrower wartdnls and repreeenN the iris Nntls (COllaldah are pblanetl and will be aced in conlredim wiM IawNl xllvhles, pureuits. endeavors. venNre6, or business%, and BPROWer will riot use ln¢ hods (COllarers) to wdae any law Ihs cwld resell in MHeiWre prosreedkgs bang mska¢tl. Bortowd agreBS to promplty in(dm Lentltt of any PrePPBetl pmCeetlvigs or actual proceeding whic0 wwltl subject loo Nnds (CdieleraR 1o mdeaure Ip any govemmems body. STAIENENTS Lender veal more to edrdvtt a peliotlic sWemenl of the Account s th< <ntl d each Btlling Cyda, wI0s6 veto a'galemem is rid repaired by law The slsemenl vent shove me agivity in me ACCdFd during the 6Nling Dyck. Unless eortdver mlaks Lentltt in wrMrg d ertda n Ins smemem wDtln fip ddys hom the dale a 5 maktl. gb slalemam shat ba crositlered rnrtM and aCCePtetl by BOrtmvar. g mere is mono glen one Pdrower, eacn agrees Ihs H iris 6WIemeM k sdg m and acCBplBtl Dy any BOrtower: it snail be conaitlered cared as lo, and accepted by. as Bonowem SECURRY. To Severe the payment d sums due an /hk AccwM, Owner antlior Owners hdv8 Bx6CU1<d a MOdgag< 'm L¢lldeYS IavOr tleled N¢ Bdm< dale ore lnN Aprwmant Lentld ntt¢by waves (givss uPl Its segxhy interest in G1a MMgapetl-Pmpeny az m any extension d Cretla to the BM¢M the h would cause the otnsMhtlmg baMlke to exceed pie Alahor¢etl Cretla Limh. Borrows d Owner aw grams 4ntltt a seoVriN inldesl m~. (t) Any d BolvdweYS praperN which is in Lentlar's possession al any lime. (g) All creAh Irtmnance proceeds end realm insurance premiums womb any Borrower sleds to obtain. (3j qp proteatls d inwrence wMCn LeMtt reaulres eomawtt. m Owrer m obtain on Ins Morlgagetl Property in accoNanca wan the Mortgage andtd Ihk Agreement. Cdisddi 6agldlg dhtt obigaliorm to Lender may ako severe Ins peymenl Ot thk Accwm. YERMINATION. 11 Thu ACwpm ¢ IdmiNletl. Bonowd anal no iongtt have the rgM to Delon bans hwn d make arty Uwges to (he ACCWM. and Lender cMll m iongd be Oblgaetl to make atlvantes M foe Af4GJnl If Lentld. a1 i18 w1i0n. Urooces to make tanner atlYa11C% M Ne Acmum such atlvallCBS. anal be propel dgrg0s to me AccauM for wMCh Borrower snarl be liabb to repay. 11 th Accwm k lelmplsetl, unless Lentld exercises its right to rebore Ins balance W be pad Sooner. the day klbwkg Ih¢ ksl day al the Bdlirg Gytre in wnich the Iemlkagpn OL1'urs snarl Oe me hrsl day of the Repayment Phase d gN Acctunl COLLECTION COSTS 8drowd aproes t0 pay a1 cwn cmYS and lees. ore well as r<asenablB alomoys fees, M Permitted by law. inwn<tl m Connection wiln airy azlien u18MMatl to coned on This ACCWnI or to preleq any Collards aewnrg the ACCtunl PAYMENT MARKED "PAYMENT IN FULL". BOrtowd agre¢6 rwl 10 submit dny gl¢CCFa Ip L¢ntler in payment d eortoweis Account marked 'Paymem N Rril' unless the amount d Ins Mack ~s at least ttlus tp the trial balance mM owing on Bomawers Account It Borrower floes wbmR a check m Lender mametl'Paymenl in Full' Id a wm BSS than iris Oaaxe due on the Account. Lender may accept the check in partdl peYment al the baance due w me Accaunl. dntl rKK be bpuntl by ge 'Payment m Full' ndsion Lendtt will riot ba OOemetl to nave wane) its rgMS IP NII payment of the balance due pn the Accwnt by accepting wch Cna[k PennaYNenk NWrun1 Bank EKECUTIVE OFFlCERB ONLY II pre aggregare mtlebtetlness m any dher bank or banks e.ceeN me amwnM specine0 Id a caregary of kola described m flegulsmn O of the Federal Reserve BOaM. Ihoe mix loan may belcme anmetliaely due dntl payable DELAY IN ENFORCENEIR Lender can delay enlorcinp any Ot its rigM6 antler This Agreement wilhwl losing mem. Any waver by Lentld of dny Pmvuion d this Apraemem wN rid ba a waled oI the name or amy dhd previ;ion w anY dhd Occasbn. CHANGE OF ADDRESS AND NOTCES Borrower agrees to ndM Lender immetlisey In wrkinB d sry change In BPRbweY6 etldmc. All ndkes and monlfdy ;IaremeMe will bB delivered to Bprtawer s Bortowd's last atltlreas appeding m LentleYS records Ndkas saN M That atltlreae wR be enedke for an Purposes untld Ink Agreamed. II Borrowtt sends a ndice d Idler 10 Lender. P, mutt be sem m Lender s Iho address appeedrg On the most recent bilfing slsttnda. Bortowd waves any presemmanl, tlamanq prdesl, ndice of protest and tlisnOnd and any doer ndice to which eomowtt may be emnkM and may. by law, be waived JOMT AMO BEVERAL OSIAOATIOK Exh Borower who spn8 thk Agreement and legal represeMSivee d each, win be eausN respdmibk, intlivitluany and rogemd. for payment in Na of lha ids amwm owed. A881DNRENTB. Bortowtt may rid assgn or amerwise hansrer BwroweY s rgMS and pdvleges untld Vtis Aprednem. Lender may assign airy and all 01 its rgMs and abigatiore wtld Ink Agreement and Ilre MorMage s airy lime wahatl Bdrower's conaeM. Tne pamm(sl to whom Lender assigns tl11s Apreamrua and Mortgage soon De emNetl to an d lantlef6 rights and ba subject to all Lender's obligatkns under g1u Apreemam and the MMBWe. Nave d 6ommver's righN shall De atkgatl by wch asagnment. LENDER'8 RKiM OF 8EF-0FF. The law gives pre Lentld a rgM to sel-oe in any d gw BmrP.vd's PropdN in Ldltlers possession s airy gme, IemWtling tlepask accounk. TMs memm tbs. N the Borower rlefwlM, tlR Lentld maY endorse LentleYS right of ssaX and apDN any d the Bdrdvaia property in Lenders possession. InckGng tleposn azcpums. to Nre sums eonmvv axes do Nis aCGPJnI. OTHER 4DVANCE4 II the BommttYOwnd laik tp Wrchase Rre and Extended Coverage d Rood Insurance Covttage or does rid pay Iaxae when They COlne due, d tlpas rid property mantain the Premix%, Lentld may, n Corbel w dmoaea (DM wimoul oDlgdipn on Lentld's Panl, advance sums on BortdxaYdOwner'c bdWl td Inaee apposes k elder to prdact L<ntler's Interest in me Premises. Airy such atlvarxzs l.entler makes an BdroweraAJwnor'e bslag will rid exam BwrowdlOwner hmn BolrewerdOwneYS lallure to bond Bonowtt'aOwnars promkes end obygations in the Agreement The amaunta Lentld advances on Bortbwer's/Owners behsl will be duryed m BOrteweY9 ACCOUnI az 100116 SPECIAL CXECICS OWNERSHIP OF CHECKS. The Spdis Checks are az all time. lenders propeM~ Borrower agrces b rsum aA uwsetl Spadal Cnecka to Lentld upon LentleYS repuasl d won lerminagpr d Nis Agre6mdlt by eANd vent. Wh<n pre Spedal DMCks nave been pad by Lentl6r, Lender has ro obngegon 10 realm glom 1o Borower. PROHIBITION OF PATMENT WITH SPECIAL CHECKS. Bartower agrees rid to make paymttN b Lentld on This Atmlm with a Spedal Check hlmisne0 by Lentld wtler IMS Agreement. POSTDATED, STAIF GATED, CFATIFlED. AND STOP PAYMENT OF CHECKS. Procedures, laws. and fees applkabk to cdnpdaDk VensaGlkne an regdtt dreckkq wcauMS span appN to Special Checks untld glu Agreemarrt with rasped W posWaNtl GNCks, store dared chedd, cemfying checks and sop payment Grtle18. Bdsower agrees rid to ksue podtlsetl $pBCI<I Cnecks. Cartlliatl Spada Checks wN De pp9letl m the ACCdJnt on the tley IM1B Spacial Check 6 certifmtl. SEVEMBIUTY. I! n u tlsarminatl for any re0sM Ihdl a pad of mk Agreement Is inva:tl or unenlameebb, lhk snaa rwl axed the vehtlay Or enlorcemem of any dhd Orovkion Ot Inis Agreement. TDIS Agre6menl will men reed as d the invalid or unenfdceebla pad ware rrd Here. ENTIRE AOREENFM. TMs Agreement, kcstlin9 Dlscksure Btalemttu, arty Ritld Fgreto, lh¢ Mortgage, arid gle Apptiragcn Form reMletl to mk loan rwMair. Ilre smite agreemeN between Lender dntl Borrower. Thk Apreemttn wpemetles all previous agreemems. era d wmlall, between ma edges rekglp k INS Home EWiIY Lina d Credit. OOVERNINO LAW. Thk Agreement slMll ba govematl by the laws d pre Cdnmonwesm d Pennsylvania except 1o the extent ms auto laws have bean prg.empletl d swersetlatl by letldal law. NOTICE SEE IA OF to FOP IMPORTANT INFOPMATION. }A OF ?A HENOTE i 1256J (BanpwIX-0 CwylLdltlIN-0riginaB a, wN'.^. I~yion~ Financia P.O. BOX 1384 POTTSVILLE, PA 17901 VIA CE TIFIED MAIL _ P 97,1 087 791 PHONE: 7-890.895-9304 FAX: 717-828-9231 NOTICE OF INTENT TO FORECLOSE MORTGAGE Mr Robert E Rigney Date: July 24, 2000 207 N 24th St Camp Hill PA 17011 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 North 24th Street, Camp Hill, PA 1701 I, IS DV SERIOUS DEFAULT because you have not made the following monthly payments: $500.49 for May 20, 2000; $576.70 for June 20, 2000; and $556.45 for July 20, 2000. Late charges (and other charges) have also accrued to this date in the amount of $17.30. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1,650.94. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $1,650.99, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. If you do not cure the default within THIItTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIIiTY (30) DAYS, we also intend to instruct our attorneys to star! a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have 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 the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may also include our reasonable costs. Ifyou cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. EXHIBIT 3 PAGE ~ OF ~ PAGES NOTICE OF INTENT TO FORECLOSE MORTGAGE If you have not cured the default within the thirty 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 5her~s foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that the Sheriffs sale could be held would be September 24, 2000. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895-9304. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership ofthe mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sa]e, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU 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. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIIdEMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIItCUMSTANCES THIS RIGHT MIGHT EXI5T. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THHtD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. n KE ONE FINANCIAL ANK,~A. ~~ ~ f'.. Susan M. Hossler .}~' Adjustor SMHlcros keystonc ~inancia o~~ ,.~., POTTSVILLE, PA 17901 ACT 91 NOTICE PHONE: 7-800-895-9304 FAX: 717-628-9231 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. [fyou need more information call the Pennsylvania Housing Finance Agency at (800) 342-2397. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VPVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGH3LE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE A5SISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIIt SU HH'OTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS RE: Mortgage #275862-40015 July 24, 2000 TO: Mr Robert E Rigney 207 N 24th St Camp Hill PA 170] I FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this notice. It contains an explanation of your rights. 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 a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. If you attend aface-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Tina M. Knott Susan M. Hossler Regional Supervisor Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9323 (800) 895-9304, Ext. 9368 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, [nc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or (800) 220-2733 from arcs codes (717), (570), or (814) Commission on Economic Opportunity of Luzerne County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-OS l0 or (800) 822-0359 or (570) 455-4994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610)432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610) 376-6571 or (610) 376-6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $1,650.94. That sum includes the following monthly payments of: $500.49 for May 20, 2000; $576.70 for June 20, 2000; and $556.45 for July 20, 2000, plus late charges in the amount of $17.30. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. It is extremely important t/pat you file your application promptly. Ijyou do not do so, or ifyou do not follow tke other Jime periods set jort/r in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you ifyou have met the time requirements set forth above. You will be notified directly by the Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, ifyou choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. n { ~t Susan M. Hossler Adjustor SMH/cros Fi~ia~~cia F?V. BOX 7384 POTfSVILLE, PA 77901 VIA CERTTFIED MAIL P 973, 087 792 1 '. 11' 1 PHONE: 1.80D-895-9304 FAX: 777-828-9231 NOTICE OF INTENT TO FORECLOSE MORTGAGE Ms Wendy Rigney 142 N Woodrow Blvd Toronto Canada M 1 K 1 X 1 Date: July 24, 2000 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 North 24th Street, Camp Hill, PA 17011, IS IN SERIOUS DEFAULT because you have not made the following monthly payments: $500.49 for May 20, 2000; $576.70 for June 20, 2000; and $556.45 for July 20, 2000. Late charges (and other charges) have also accrued to this date in the amount of $17.30. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1,650.94. You may cure this default within THIRTY(30) DAYS of the date of this letter, by paying to us the above amount of $l, 650.94, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will b0 considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit !o foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheri, f,~'to pay off the mortgage debt. [f we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have 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 the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. EXHIBIT 3 PAGE ~ OF ~ PAGES , NOTICE OF INTENT TO FORECLOSE MORTGAGE If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so 6y paying the total amount of the unpaid monthly payments plus atry late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that the Sheriffs sale could be held would be September 24, 2000. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895-9304. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU 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. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES, AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUHtEMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIItCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY A THIItD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. KEYSTONE FINANCIAL BANK, N,~. .: Susan M. Hossler Adjustor SMH/cros KeyStan~ l=inancia P.O. BOX 1384 POTTSVILLE, PA 17901 ACT 91 NOTICE PHONE: 1.800-895-9306 FAX: 7f 7-828.9231 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. If you need more information call the Pennsylvania Housing Finance Ageucy at (800) 342-2397. 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 IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGII3LE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMHt SU HII'OTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAY BE ELIGH3LE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS RE: Mortgage #275862-40015 July 24, 2000 TO: Ms Wendy Rigney 142 Woodrow Blvd Toronto Canada M1K1X1 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 ~i l 1 Y You may be eligible for financial assistance that wilt prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused iby circumstances beyond your control, you have a reasonable prospect of resuming your mortgage'payments, and if you meet other eligibility requirements established by the Pennsylvania Housing. Finsince Agency. Please read all of this notice. It contains an explanation of your rights. 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 a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days. If you attend aface-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Tina M. Knott Susan M. Hossler Regional Supervisor .Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9323 (800) 895-9304, Ext. 9368 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610)821-4011 or (800)220-2733 from area codes (717), (570), or (814) Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Bane, PA 18701 (570)826-0510 or(800)822-0359 or (570)455-4994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610)376-6571 or (610)376-6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $1,650.94. That sum includes the following monthly payments of: $500.49 for May 20, 2000; $576.70 for June 20, 2000; and $556.45 for July 20, 2000, plus late charges in the amount of $17.30. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed above. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days ofyour face-to-face meeting. It is extremely important that you file your application promptly. Ijyou do no[ do so, or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional 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 Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717) 780-1869. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Si er,~ly, ~ ,~` ~)~~ f~ Sus n M. Hossler Adjustor SMH/cros + ~~ ~ VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he\she is the Banking Officer for the Plaintiff herein, that he\she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of his\her knowledge, information and belief. PERI SARAC-FLIHAN BANKING OFFICER 3y.$fFm .e. ~ y.,.yg'4 x ~ -.... 9 ra .. £ ~~ v i..r+ ~ ... _f _ ~ ]. YLbW eYlo`1&£~ _~V ~ 0 $` W a s ~~ d a~\\i C l.) C? f'; u ~_ v J i -' cr, ' ~ `~. f ~ ~ti ~ ... ,_!,i_ ~; _~ '~1 ;. =~ :ti=...~ _ ~ _...W. _ _ ~ ~. ~; SHERIFF'S RETURN - REGULAR CASE NO: 2001-05549 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M & T BANK ET A VS ROBERT E. RIGNEY ET AL KENNETH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ROBERT E the DEFENDANT at 2008:00 HOURS, on the 26th day of September, 2001 at 207 NORTH 24TH STREET CAMP HILL, PA 17011 by handing to ROBERT RIGNEY a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 9.75 Affidavit .00 Surcharge 10.00 .00 37.75 Sworn and Subscribed to before me this /.a.+-- day of Oe7.~ II ~I A.D. ,/y.~~v, ~iDt~iJ t thonotary So Answers: :~-~~~.~ R. Thomas Kline 09/27/2001 BERNSTEIN BERNSTEIN KRAWEC & W By: De uty he f F IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA M & T BANK SUCCESSOR IN INTEREST TO PENNSYLVANIA NATIONAL BANK Plaintiff vs. ROBERT E. RIGNEY and WENDY L. WICKARD aka WENDY L. RIGNEY Defendant CIVIL DIVISION Civil Action No. O1-5549-CIVIL PRAECIPE TO SETTLE AND DISCONTINUE WITHOUT PREJUDICE FILED ON BEHALF OF Plaintiffs} COUNSEL OF RECORD OF THIS PARTY; LORI A. GIBSON, ESQUIRE PAID#68013 JON MCKECHNIE, ESQUIRE PA ID#36268 Bernstein Law Firm, P.C. Firni #718 1133 Penn Avenue Pittsburgh, PA 15222 412-456-8100 DIRECT DIAL: (412j 456-8100 BERNSTEIN FILE NO. F0008665 NOTICE l~a~ THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA M & T BANK SUCCESSOR IN INTEREST TO PENNSYLVANIA NATIONAL BANK Plaintiff CIVIL DIVISION vs. Civil Action No. 01-5549-CIVIL ROBERT E. RIGNEY and WENDY L. WICKARD aka _ WENDY L. RIGNEY Defendant PRAECIPE TO SETTLE AND DISCONTINUE 1'~ 1TIlOUT PREJUDICE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Settle and discontinue without prejudice the above-captioned matter upon the records of the Court and mark the costs paid. BERNSTEIN LAW FIRM, P.C By: Attorneys for Plainti 1133 Perri Avenue Pittsburgh, PA 15222 (412)456-8100 BERNSTEIN FILE NO: F0008665 Sworn to and subscribed before me this /S>~ day of -~i~a~~ , 2001 ~- 5~~~~~ Notazy ublic Notarial Seal Cherryyl A. Bauer, Notary Public Pittsburgh, AIIe heny County My Commission Exp~res July 22, 2004 _ _ - _- - - -_ _ - Member,PennsyivanlaASSeclation otNOTartes _ _. ~~ 6>~ u ir> s = ~ . <a` ~ O ~--~ ta- n_ ~r , ~` tv ~tiZ w C ~10~.. ~ ~ ~ ' -- ~ ~._~ o v ~~ ~=.1 ~.. FEB 2 6 2003 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK successor in interest to PENNSYLVANIA NATIONAL BANK, Plaintiff vs. ROBERT E. RIGNEY and WENDY L. WICKARD a/k/a WENDY L. RIGNEY, Defendants ~_ ssv 9 Civil Action No. (12=4986•CIVII, ORDER OF COURT AUTHORIZING SERVICE OF PROCESS BY POSTING THE PREMISES PURSUANT TO PA. R.C.P. 430 AND 3129.2 AND NOW, to-wit, this ~ day of ~ ?> G , 2003, upon consideration of the foregoing Petition and its attached SUPPORTING AFFIDAVIT, it is hereby ORDERED, ADNDGED AND DECREED that the Plaintiff be and is hereby authorized to obtain service on Defendant, Wendy Wickard, of the Notice and Complaint by posting of the mortgaged premises with a copy of the Notice and Complaint ~ by regular mail to the Defendant-Wendy Wickard's last known address /in accor'd{-ance with PA R.C.P. 430 and 3124.2~Service to be effective upon mailing ~ ~ `p ~ p v !~ { ~ U I l eh ~ A G C l 7 ~ I r'/~ I ~, (~pfl~ ~ ~'Ie.WS~~~ ~/I~C~?~IL i/rt~~~ 1a1~ l~ /l.v-~bJ~~11.. e5w000493V001 2/24(2003 RV Ti-TF. CfITTRT• ~~ c -~ l:. ~~ 7 i~'~~ 0.!' ih IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK successor in interest to PENNSYLVANIA NATIONAL BANK, Plaintiff vs. ROBERT E. RIGNEY and WENDY L. WICKARD a/k/a WENDY L. RIGNEY, Defendants O1-y ~r49 Civil Action No. 02-49&6-CIVIL MOTION FOR ALTERNATE SERVICE, AS TO DEFENDANT, WENDY WICKARD, IN ACCORDANCE WITH PA R.C.P. 430 AND 3129.2 FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD FOR THIS PARTY: LORI A. GIBSON, ESQUIRE PA LD. #68013 EDWARD S. WEHRENBERG, ESQUIRE PA I.D. #82559 Bernstein Law Firm, P.C. Firm #718 Gulf Tower, Suite 2200 Pittsburgh, PA 15219 412-456-8100 BERNSTEIN FILE NO. F0008665 esw000493V001 2 /2 412 0 0 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND' COUNTY, PENNSYLVANIA M & T SANK successor in interest to PENNSYLVANIA NATIONAL BANK, Plaintiff CIVIL DIVISION G1-5`19 vs. Civil Action No. O~H8fr=CIVIL ROBERT E. RIGNEY and WENDY L. WICKARD a/k/a WENDY L. RIGNEY, Defendants CERTIFICATE OF SERVICE 1, Edward S. Wehrenberg, Esquire, do hereb certify that a true and correct copy of the foregoing Motion was served upon the following party on ~~ , `~~ , ~ 7, by first class U.S. Mail postage pre-paid: -~ Robert Rigney 207 North 24a' Street Camp Hill, Pa 17011 Wendy Wickard 207 North 24a' Street Camp Hill, Pa 17011 Esq. esw000493V001 2124(2003 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK successor in interest to PENNSYLVANIA NATIONAL BANK, Plaintiff vs. Civil Action No. 01-5549-CIVIL ROBERT E. RIGNEY and WENDY L. WICKARD a/k/a WENDY L. RIGNEY, Defendants MOTION FOR ALTERNATE SERVICE, AS TO WENDY L. WICKARD ONLY IN ACCORDANCE WITH THE PENNSYLVANIA RULE OF CIVIL PROCEDURE 430 AND 3129.2 AND NOW, comes M & T Bank, N.A., Plaintiffabove-named, and prays this Honorable Court as follows: 1. Plaintiff filed a Complaint in Mortgage Foreclosure on October 15, 2002 and has been unable to obtain service of the Notice and Complaint on the Defendant, Wendy Wickazd, through the office of the Sheriff of Cumberland County, Pennsylvania. 2. Plaintiff has made diligent seazch for the Defendant, Wendy Wickard, as is more fully set forth in the SUPPORTING AFFIDAVIT, which is attached hereto marked as Exhibit "A" and a made a part hereof. 3. Plaintiff prays that this Honorable Court will enter an appropriate Order of Court authorizing alternative service on Defendant, Wendy Wickazd, by posting the mortgaged premises with a copy of the Notice and Complaint and by mailing a copy of the Notice and Complaint by regular mail to the Defendant- Wendy Wickazd's last known address in accordance with PA. R.C.P. 430 and PA. R.C.P. 3129.2. esw000493V001 2/l3/2003 WHEREFORE Plaintiff petitions this Honorable Court to enter an Order, pursuant to Pa.R.C.P. 430 and PA R.C.P. 3129.2, authorizing Plaintiff to serve the Defendant, Wendy Wickard, by regular mail to the Defendant-Wendy Wickard's last known address and instructing the Sheriff of Cumberland County to serve Defendant, Wendy Wickard, by posting the premises at 207 North 24s' Street, Camp Hill, Pa 17011 in accordance with PA R.C.P. 430 and 3129.2. BERNSTEIN LAW FIRM, P.C. BY: x ~v v Edward S. Wehrenberg, Gulf Tower, Suite 2200 Pittsburgh, PA 15219 (412)456-8100 esw000493V001 2/13/2003 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION M & T BANK successor in interest to PENNSYLVANIA NATIONAL BANK, Plaintiff vs. Civil Action No. 02-4986-CIVIL ROBERT E. RIGNEY and WENDY L. WICKARD a/k/a WENDY L. RIGNEY, Defendants AFFIDAVIT IN SUPPORT OF PETITION FOR LEAVE TO MAKE SERVICE OF PROCESS BY POSTING THE PREMISES PURSUANT TO PA R.C.P. 430 AND 3129.2 AND NOW, comes Edward S. Wehrenberg, Esquire, who upon being duly sworn according to law deposes and says as follows: 1. That he is an attomey at law duly licensed to practice in the Commonwealth of Pennsylvania. 2. That he is the attorney representing the Plaintiff, PNC Bank, N.A. 3. That after filing of the Complaint, the Sheriff of Allegheny County made a RETURN OF SERVICE, in which he advised that he had been unable to make service upon the Defendant, Wendy Wickard, at 207 North 24s' Street, Camp Hill, Pa 17011 because the Defendant, Wendy Wickard, had moved to Canada, as evidenced by the Return of Service attached hereto, marked as Exhibit "1". J~j .. L!r ~r ecw000493V001 ~ \! h l Y ~ 7 /~ 2/24/2003 /~ 4. That Ontario Process Servers, performed a search for Defendant, Wendy Wickard, but was unable to find information on this person, as evidenced by the response attached hereto as Exhibit " 2." 5. That, in its seazch, Plaintiff's counsel discovered an address for Defendant, Wendy Wickard, at 142 N. Woodrow Blvd, Toronto Canada, but was unable to effectuate service upon Defendant through the Ontario Process Servers because the server was told that Defendant, Wendy Wickard, moved two years ago, as evidenced by the response attached hereto as Exhibit " 3." 6. That Plaintiffs counsel made inquiry of the U.S. Post Office to for Defendant-Wendy Wickazd's forwarding address information. The postal authorities advised that 207 North 24s' Street, Camp Hill, Pa 17011 is a good address for the Defendant, Wendy Wickard, as evidenced by the Post Office response attached hereto as Exhibit "4." 7. That Directory Assistance had a listing for the Defendant, Wendy Wickazd, and was able to confirm that 207 North 24s' Street, Camp Hill, Pa 17011 is the correct address for the Defendant, Wendy Wickard. 8. That Plaintiff's counsel contacted Voter Registration for Cumberland County, a representative of which was able to confirm that Defendant, Wendy Wickazd, is not registered to vote and unable to report 207 North 24~' Street, Camp Hill, Pa 17011 as the last known address for Defendant, Wendy Wickazd, 9. That Plaintiff s counsel contacted the Tax Assessor for Cumberland County, a representative of which was able to confirm that the tax bills for the properly aze sent to Defendant, Robert Rigney, at esw000493V001 2/18/2003 207 North 24~' Street, Camp Hill, Pa 17011 and that Defendant, Wendy Wickazd, owns no other property in Cumberland County. 10. That Plaintiffs counsel received a copy of Defendant-Wendy Wickazd's credit report, which indicated 207 North 24~' Street, Camp Hill, Pa 17011 as the Defendant-Wendy Wickazd's current address. And further the Affiant sayeth naught. Sworn to and subscribed before me this /per day of ,2003 Notary P lic ~ ~~ __ r:L t i. ,4tYL~pv bu nl;~.~.;,31:4]bt'a:.::.:vs'. V:~d V'JtuLLYJ esw000493V001 2/13/2003 ' Frum: O~~lrf%'?[lfj~ 1~:~5 #199 P.0[1L`0[~1 ST4ERIFF'S RETURN - NOT FOUND CASE N0: 2002-04985 P COMMONWEALTH OF PENNSYLVANIA. COUNTY OF CUMBERLAND M & T BANK VS RIGNE`~ ROBERT E ET AL R. Thomas Kline ,Sheriff or Deputy.Sheriff, who being duly sworn according to law, says, that he,made a diligent search and inquiry for the. within named defendant, DEFENDANT WTCKARD WENDY L AKA WENDY L RIGNEY unable to locate Her in his bailiwick COMPLAINT - MORT FORE , but was He therefore returns the NOT FOUND as to the within named DEFENDANT WICKARD WENDX L AKA WENDY L RIGNEY , WENDY RIGNEY DOES NOT LIVE AT ADDRESS GIVEN. SHE LIVES IN CANADA. Sheriff's Costs: So answe.s:~ ~r. Docketing 18.00 ~ ~.~ +~ Service 9.66 `' Not Faund 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 42.66 BERNSTEIN LAW FTRM 01/22/2003 Sworn and subscribed to before me this A.D. day of Prothonotary ~[1~ ~~~r b~~ • ~ ', NTARIO ROCESS SERVING HEAD OFFICE: 605 -175 Hunter Street East, Hamilton, ON; LSN 4E7 To Serve All Your Process Serving Needs, Court Issuing, Filing, Skip-Tracing and M.T.O. Searches Invoice BILL TO Bernstein Law Firm, P.C. Suite 2200 Gulf Tower Pittsburgh, Pennsylvania 15219-1900 ATTN: Jeanne A. Nicholsen DESCRIPTION Affidavit/Notarization km's travelled- Long Distance/Fax Postage/Courier-.- Handling Charge RE: Wendy L. Rickard. Attempt of Service upon Wendy L. Rickard, at 142' North Woodrow Boulevard, Toronto; Ontario, Canada, were made on the following dates: DATE INV # 0/11/200 17821 3 1 28 RATE 27.00 20.00 0.50 0.60 '0:65 5.00 AMOUNT SCARBOROUGH AND WATERLOO OFFICE NOW OPEN! ! ! C`t~`.b1~ tt~,, 81.00 20.00 14.00 0.60 0.65 5.00 i I _ -- - ---~ GST --- - - - - ---------I Total Page 1 „ "Offices Across Ontario Phone/Fax: (iF[amilton Local} 905-529-2770 ToIY iFree: 1-800-4155-S~RV(737t3} OTY NTARIO ROCESS SERVING HEAD OFFICE: 605 - 175 Hunter Street East, Hamilton, ON, L8N 4E7 To Serve All Your Process Serving Needs, Court Issuing, Filing, Skip-Tracing and M.T.O. Searches Invoice (BILL TO Bernstein Law Firm, P.C. Suite 2200 Gulf Tower DATE INV # Pittsburgh, Pennsylvania 15219-1900 0/11/200 17821 ATTIV: Jeanne A. Nicholsen DESCRIPTION QTY RATE AMOUNT October 17th, 2002, at `10:47 am, there was no one home. October 17th, 2002, at 7:14 pm: Informed that she had-moved two years ago, by a woman-who wouldn't identify hereself. November 2nd, 2002, at ' 11:.18 am. Carivassed the immediate neighbors but no one knew of Wendy Wickard. SD. I Business Number: 8123770723 ~ -- ~, I csT g.49 .SCARBOROUGH AND WATERLOO OFFICE NOW TOtal (OPEN! ! ! $129.74 Page 2 "Offdces Across Ontario" 1Plhone/Fax: (]3arnilton Local) 905-529-2770 Toll Free: 1-800-4b5-SE,ttv(7378) UNTA.RIU PR[D-GESS SE'IZ.'VI.NC HEAR OFFICE I 605 -175 Huuter Street East, Hamilton, ON, L8N 4E7 Tn Serve ALL Xour Process Serving Nees Court Issuing, Filing, Skip-Tragic and M.T 0. Search Invoice BILL T~ _- - ~. ~ ._ ~ -- A ._ _ Bernstein Law Firm, P.C.. Suite 2200 Gulf Tower ___ .. . --~- - - - r nATE ~ ~ { NV ~~ I Pittsburgh, PennsyIvanaa 15219-1900 ~.-.....__. , --- ---- - ~ ----- 17552 ~ . I j07/1 I/200 I---- ATTN: Jeattt~e A.. Nicholsen . ~ I , DESCRIPTION QTY RATE AMOUNT Search/MTO/Credit Bureau 1 30.00 I 30.00 Handling Charge 5.60 5.00 Long Distance/Fax 2:00 2.00 Postage/Courier . 0.65 O.bS RE; Wendy L. Wickard F/K/t1 Wendy L. Rigney. 'Sc'our File Number F0008665, I Motor Vehicle search was made on 'November 7th, 2002, on the above named person. There is no inforaxa.ation orl file. SD. Business Number: RI23'~70723 __ .. _..- ._._`. ..._ _ ...__~__ ..._ csT _. ..__._... 2.64 SCARBOROUGF~ AND WATERLOO OhFiCE NOW 7'atal - - OPEN!!! $40.29 i ~]<R~~i~ ~~~\~ "Offices Across Ontario" - _ __ _-- Z^jAl JOSEPH J. BERNSTEIN (PA, FU ROBERT S. BERNSTEIN (PA. FL. WV, NY7 ®~ }~ ~ 5T y.y i NICHOLAS U. KRAWEC (PA. NC. OM D K 1 C 1 LORI A. GIBSON (PA) ' LAW FIRM, P.C. (STATES OF ADMISSION) TRADITION TECHNOLOGY TALENT SUITE 2200 GULF TOWER. PITTSBURGH, PENNSYLVANIA 15219-1900 -800.927-3197 41 245fi-8100 FAX 41 2-4568 1 35 www.8ERN5TE1NLAw.cOM MAIL@BERNSTEINLAW.COM Postmaster, Camp Hill, PA 17011. Re: M & T Bank Vs: Wendy L Rigney 207 North 24th Street Camp Hill, PA 17011 December 19, 2002 Subject: Request for Information BERNSTEIN FILE NO. F0008665 Sir: Request for Change of Address or Boxholder Information Needed for Service of Legal Process Please furnish the new address or the name and address (if a boxholder) for the following: Name: Wendy L Rigney Address: 207 North 24th Street Camp Hill, PA 17011 NOTE: The name and last known address are required for change of address information. The name, if known, and post office box address are required for boxholder information. The following information is provided in accordance with 39 CFR 265.6(d)(6)(ii). There is no fee for providing boxholder information. The fee for providing change of address- information is waived in accordance with 39 CFR 265.6(d}(1} and (2) and corresponding Administrative Support Manua1352.44a and b. 1. Capacity of requester (e.g. process server, attorney, party representing himself): ATTORNEY 2. State or regulatiori that empower me to serve process (not required when requester is an attorney or a party acting pro se must cite statute): 3. The name of all known parties to the litigation: M & T BankVS.Robert Riney 4. The court in which the case has been or will be heard: COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA, CIVIL DIVISION 5. The docket or other identifying number if one has been issued: 6. The capacity in which this individual is to be served (e.g. defendant or witness): DEFENDANT // ~~ ~htb~~ ~ MARLENE J. BERNSTEIN (PA, FU CHARLES E. BOBINIS fPA, WV) JON A. McKECHNIE (PA) EDWARD G. WEHRENBERG (PA) KIRK 8. BURKLEY (PA) December /9, 2002 Page 2 WARNING THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION OR BOXHOLDER INFORMATION FOR ANY PURPOSE OTHER. THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000 OR IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE THAN 5 YEARS, OR BOTH (TITLE 18 U.S.C. SECTION 1001). I certify that the above information is true and that the address information is needed and will be used solely for service 6f le~cess in connection with actual or prospective litigation. Suite 2200 Gulf Tower Signature Address - Jeanne Nicholsen PITTSBURGH, PA 15219 Printed Name City, State, ZIP Code FOR POST OFFICE USE ONLY POSTMARK _Not known at address given. Moved, left no forwarding address. _No such address. Correct address. _New address _Box holder's name and address NAME and STREET ADDRESS / ~ l~ \°~>. ~~o File No. F0008665 rxeSSeaWSav~hwa a~sx~-rt-€I"~xa~araaiti~sseui:~,sa w~,3 ~... ., - r~~ss5-xst senmm""'mi'~F~ -~--~- -~. .'.. ... ,. .,. . ~ f` ~-~ CJ - .~; . s~ ~~1 . ......j _ ~ ' [7 5 T, _ ,r `U ~~'a ,'; \~? .=A. 1I ,T~ ~ "Y ~_ ~ -; ~..n "'! ~} \~