Loading...
HomeMy WebLinkAbout07-4900IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. d7 - ~q~O l:. tv~~~~ 1 vs. RAND M. ROCKEY, CIVIL ACTION -COMPLAINT IN MORTGAGE FORECLOSURE Defendant. I hereby certify that the property to be foreclosed upon is: 423 W. Main Street Mechanicsburg, Pennsylvania 17055 Borough of Mechanicsburg Tax Parcel No. 20-23-0567-027 Brett A. Solomon Attorney for Plaintiff Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon(a~tuckerlaw.com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 BANK FIN:304412-1 000011-133119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) RAND M. ROCKEY, ) Defendant. ) CIVIL DIVISION No. 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 maybe 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 BANK FIN:304412-1 000011-133119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) RAND M. ROCKEY, ) Defendant. ) CIVIL DIVISION No. 07- Y9~ COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES PNC Bank, National Association, formerly Pittsburgh National Bank ("Bank"), by and through its counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in Mortgage Foreclosure: 1. PNC Bank, National Association, 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, Rand M. Rockey, is an adult individual whose last known address is 423 W. Main Street, Mechanicsburg, Pennsylvania 17055. 3. On or about May 1, 2006, Rand M. Rockey ("Borrower"), executed an Amendment for Choice Home Equity Line of Credit ("Note") whereby Borrower promised to pay to Bank the principal amount of $25,000.00 plus interest as provided therein. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein. 4. The obligations evidenced by the Note are secured by a Mortgage dated May 1, 2006 ("Mortgage") given by Rand M. Rockey ("Mortgagor") to Bank, encumbering certain real property located at 423 W. Main Street, Borough of Mechanicsburg, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded on May 18, 2006 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Mortgage Book Volume 1951, BANK FIN:304412-1000011-133119 Page 332. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 5. The Borrower is in default of the provisions of the Note for failure to make payment when due and therefore the Mortgagor is in default of the Mortgage. The Note is due from March 15, 2007 and as of July 10, 2007 was past due in the amount of $1,174.81. 6. The Mortgagor is the record and real owners of the Premises. 7. There has been no assignment, release or transfer of the Note or Mortgage. 8. On or about May 17, 2007, Notice was sent to Defendant 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) that an action on said Mortgage may be commenced after 31 days from the date of the Notice. Said Notice further advised Defendant of Defendant's rights and obligations in accordance with the Act. A copy of the Notice is attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amount due Bank under the Note and Mortgage as of July 10, 2007 was as follows: Principal $25,295.27 Interest through July 10, 2007 692.09 (continuing thereafter at $6.0209 per diem) Insurance 118.59 Late Charges 80.00 Recur Fee 45.00 Attorneys' Fees 1,015.00 Costs to be added TOTAL $27,245.95 10. The total amount due to Bank under the Note and Mortgage as of July 10, 2007 was Twenty-Seven Thousand Two Hundred Forty-Five and 95/100 Dollars ($27,245.95), plus costs and attorneys' fees. BANK FIN:304412-1 000011-133119 WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Twenty-Seven Thousand Two Hundred Forty-Five and 95/100 Dollars ($27,245.95), plus continuing interest at the contract rate from July 10, 2007, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. TUCKER ARENS ERG, .C. By: B ett A. Solomon, Esquire Pa. I.D. #83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorney for PNC Bank, National Association, Plaintiff BANK FIN:304412-1 000011-133119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) RAND M. ROCKEY, ) Defendant. ) CIVIL DIVISION No. AFFIDAVIT OF NON-MII.ITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY SS: I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendant, Rand M. Rockey, is not a member of the military service of the United States of America to the best of my knowledge, information, and belief. Brett A. Solomon Attorney for PNC Bank, National Association Sworn to and subscribed before me this day of 2007. Notary COMMONWEALTH OF PENNSYLVANIA Notarial Seal My Commission Expires: Kely J. Mizak, Notary Public City Of Pittsburgh, Allegheny County My Commission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BANK F1N:304412-1 000011-133119 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. Darnella Ganaway - Attorney Relations Manager PNC Bank, National Association {Page 2 of ?7} Page 1 0l 4 * OINACS d' 1092611 'Amendment for Choice Home Equity Line of Credit B PNCBANK Name of Borrower(s): Name of Owner(s): RANG M ROCKEY Lender; PfaC Nash, NatissN Aaeiaiaties Account Number: 1003041110233001 Address of Borrower(s): Date of this Amendment: az3 w MAIN sr O51ot1200A MECNANICSBURG PA 17055.3212 Borrower'r Request for Arrwtdmem: eorrowarlsl prasatly her a llama Equity lba of Credit Aages Icaied tM 'Account' in this AmaridrrprK) which a idemifetd by tlb Accaurd Ntnibar slaws above, The Account is secured by s Monpape. In This Amanthtem, the term'Cwrcm ApRarsrs' means t!s apreemem for the Account that war in sfftrct before 0 the Matpape and any othw AmerNmnts, adderda a modilieariors b Ile oripirttl aprnment ant Mortgage. By wroww(t! ~d ~ Artsrldment. inekrdirg the Lender ro change the Auous to albw Barorrarlsl to trarobr a1 a a put of the prindptl btlertta to a >tprsp tM Ansrtdnsnt u the place rr6cated babes, 9arevrulsl request other charges to th Account slaws babes. AN Bonowere and Orvrss rrwst sign this Amendmem. UMess U~ ~ ~ of tip Actoun4 taaad a 'Feed pate Part.' and to make tll the wtll not be made. epees to this Amendrrtem in Rte mama irrkated babes, these elprrpes 1. TYPE OF ACCOUNT ^ REGULAR ACCOUNT ® PACKAGE ACCOUNT Pxkape Account Berofit: 250 patemape prime Pxkape Type; PREMIUM PLAN 'Package AtcounP means a Ckb Ateoura for which you may 4 ekp3N and to which specid tams aDMY mule You ue a qualified member of a specik Ckb f+rcuD wldch you have identified to us, end which I7 idennifed above as a Pxkage Type: it also nparp a Pxkpe Account for which You may qutlify in eceadarree wiM en arms of one of our banking services Dxkpet which rw9 ke idmfified above as a Padrage Tye. You may be eligible for spteiN tams through oNy one Package w arty partiudw tbp. A Pxkape Accoar may br calbd a "Cltrb Accaud' n the Caratt Apreewaw- II you aaa to qualify far a Packspa Ateeunt Berpli6 tip Amwl Pwamage Rwa appieabb to tlip etcorrtt may inaaa and other terms applicable to this At:toum may tAwtga. as sat forth in this Agreement. ^ EMPLOYEE ACCOUN7 Employee Account Benefit: x 2. MAXIMUM CREDIT LIMIT: The new Meimum Gadit limit is ! 25,000.00 which includes the Masimum Credit limit in the Currant Aprawrsrx plus the sstmatt by rtldth the Mairtnwt Gent limit is being inernsad Ivy thb Ansrtbrmt. 8. ANNUAL FEE ^ Not appkcabb ® Awrrtl Fee: ! 30.00 M Amual ke wN M dwped to you Aecaat dwig the list BiSnq Cyeta and doing &Rorp Cyeb immediately lolbwinp exh atdrersuy Of tip Aaoum, during the Draw Period. ® Tip Amwl foe wi net he charged dwiag my yew that, on eke anniversuy of the Attoum, yor wt efigibb for tM Pxkape Account Benefit itlentifpd in tAis Apreemem. ^ Th Annual Fee wil not he drxged doing the fret yawl:! of th Draw Period. 9. ORAW PERIOD TM Oraw Period wit end en 1M Irit day of the BiRbp Cyde in whch the bsth amiverswy a1 tlr dap of this Aspndnrm oetas. - 10. CLOSING COST8 Bareww meet pay the fMewig Cbsinp Costs if lertdw press to this Arrprrdment befoe the Antstdnrmt wit bwars efleetia: IIECORONG FEES • IAONTGAGE 3y,S0 RECORDN90 FEES • SATISFACTION 27.10 3. PAYMENT AUTOMATICALLY CHARGED TO CHECKING ACCOUNT ®YES ^ NO 4. OVERDRAFT PROTECTION ^YES ®NO You may not love botA ovardraN protection and chwga to ctsetirp. Chrckbp Account Number: 5001873662 fn Narrslsl of: RAND ROCKEY 5. VARIABLE RATE PART The Dally Periodic: Rate and Corresponding Annual~Percerttage Rate bssext on the Index in alfsct during the BRNng Cycb in which this Amendment Is made are as follows: Daily Periodic Rate: 0.019935 % pa dsy Corraaponding ANNUAL PERCENTAGE RATE: 7.240 % per year Base Margin is: -0.2i0 percentage points t5. FlXEO RATE PARTS The Initial Daily Psriodfc Rate and Initial Annual Percentage Rate basexf on the Indexes in effect during the BilOng Cyt1e in which this disclosure is made are as follows: FIXED RATE PARTS WITH PAYMENTS OF PRINCIPAL ANO INTEREST tnltisl Dally Periodic Rate: 0.018117 % per day tnitiN Corresponding ANNUAL PERCENTAGE RATE: 7.2f/ % Per Year ease Margin: 1.000 percentage points FIXED RATE PARTS WITH PAYMENTS OF INTEREST ONLY Initial Daily Periodic Raie: Q01lZ02 %pe r day Initial Corresponding ANNUAL PERCENTAGE FIATE: 7.009 % per year 9ase Margin: 0.750 percentage points 7. OTHER FINANCE CHARGES lal Tranefw fee: ! 100.00 pa trarohr Ywt tttuN pay a Tranafw Fa eseh tine yon rnabe s trarofw a a Food Rea Part. W Prepayment PN: ® Net applicabb ^ !350.00 rrosrarmtsa.osos ~T'' v ~ 11. EFFECTIVE DATE Itl Ttp partioa of rip saw h4ekrcrm Credit liwh stated in this AmaMmem that ueeeda IM Msurcan Cro6t Lrnit is th Comm Agrammt wi becanr waaaWe la barowinp star tsrtdw pprevn tM neCt, !antes, aorrsww and it appGeabb, tls Owns haw siptsd tlis Amsrtbrws, rite Baewa arWw Owns has asawoad the rrw Mortpoy, ant ro one Ise rcacirdal this Astwtdnsrlt within tM time provi6d aria rive Notiu of RfpK b Canal • basaaisg th Caen Lirtit. Ibl lip lsnts of thin ArrwtMws thw antes ice Barrarvw to Transfer M a a poraen of rive prirtegN ha+artte w the Yatiahla flab Part to a FuM pats Put as Nlaetirl on the dNe Ic~t 1 ~ tams N. dry of ds liar Iibq tYda ~Aatptdlttpa sM9 baeatw Nhcow baphttrp web ds fret Arrsndssal M ttaBRn 9wrowsr, a as sass tbsralnr u l~ can nL~ ~ 1M tharypas to the Atauq. h' mNa ~ Id) AO M the tars, dtstkaaru end p-erriaa in tls Curves Apansnt slafl contkes ro aggiy, wept a speeifkaay enprrdel by a as an beasisam with the Anendrtera. 12. Defrreruom. In this Agraaswa tAa follawillq dafirdtiors apply: AlnaapN' aeaws tlrt apraarm that was n N(ws before tlp Barrsrrer aigrpd tlit Anattdlaslt Gs tbs Aaprldiaars, thN apawtsst a t:a9ad dr 'Cwrws AgrasaN'1. inckrdiag wty aellertdtan w alhw ayrt8ara ro tls Cwnat Apearrtam, this Amertdmwtt, and any hews aettertbrrsb a MdeMa. Parts of lice Account. 'Aaoas' seas bra Noma Epdty lia N Cads Aeoaes harirg rip account rttertbn etatM above. Variabb Rea Part' areap tlp loot of drb Ateear which b sutrjact to the Caaat Apeattesl. A• r bars aril M mtla hero tM Yadabb Rua Pat. 11p irrtarut rwe ee tlr Vwiabb Rea hrt spy virago. wi albet rip TANa~ i tae ieterest rsb arc ~ b th vwiaW r~ab~preeisions o(ddp Cwrwtt 'F:b Rrte Parr asses Rp pest N pis Atxowa which b Mn0 adNd by tlds Aawtdfrtae. Tlp FsM Rate Ptart is tAa Pest b whirl yor pM trarhr ar a a portiaa of tip ttriaaptl bManee flow tls tiwiable Rem Pan. Cfstgss is the bewest nb wi affect traasfas a new Fad Rea Para. bet wi sN alhct the ietsrat rob a a FsM Rm Pwt ass i R ntabiahad. Raaltl Rsb Pam tssa M ashes III 'Feed Roo Principtl ant Meaner' yes whidt sent aYa r eaW 'FPM Rob P 8 P Pests w 'Food Pill' yes, a rvltith the 121'FoM R Wra ~ P~ wd acrnsd fiesta dwpK • 'Fish q' Pwa: as wkedt W teadsear ~ ~ k Ca1ed •~ Rsro 10' Porte a OMer Tietns Used to This -aYsrnt wi d aeasM imeme. 'Cba tMa Aaas' sae Ihw 111 AteatM ha leas TwminerM oilier w la b i tls 4gatps PariMk pl su Attlaat Aa a tMO ~ ~ w ~ we an aligalatL epos gryewa N Ir amaM imaaq Iw btlaaea: ant f3f n+Yesst of Its fAarayrnsN Parity, R apgdiahb, b Satbfy ~ Mort~iga of~psrarCTAdo and 'Draw t«iad' r Hp fiat phla N qs Atoasa dtarhg wAdr you tan abtae loan hem tls YarialrlNra Pw1 wed nsh trarolarc b ReM Rob Pans. EXHIBIT (Page ? of 37) Page 2 of 4 ~lmendrhent for Choice Home Equity Line of Credit i Nems of Borrowerlsl: Natrea of Ownerla): Lender: RAND M ROCKET PNC Beek, NsUoaN Ataciatwa Account Number: 4003041110233000 Address of Borrowsrls-: Date of this Amendment: t23 W MAIN ST 0510111006 MECHANICSBURG PA 17055J242 Otl»r Temrs Uoed in This AgrseaYartt. fcondrxrsdl 'Masimm Getty limit" a 'MasNan Grdit' means Or tbAa stew of rndit arailabb ro you. Th tot/ of the pritkipal Oaanee st err putt o} tiro Aasatt mry a« send td Maimum Crcit limit. On aetd after tlr ahnive date o1 slier AattsMtra td Mesinamr Credit limit wit d the now Meintm Cnit limit a«adn prsgroplt 2. 'Repeyrnem Period' rroans th phan of the Aaoum alts the Draw Period lees eMed cluing whicA any remairriry Dalanu era d paid You may rot Main new bap a make traplen duriy ell Repprrom Period. Td Repsymrm Period A been witA td first Bipiy Cycle fo0omdrtg the and of flu Oraw Period ad wi eomiare urd Ys bare pill the balance in frill. 'Suisfy tb Monpape of Record' mearp that n asarlarrce with appiuhle law a custom, td lender records n the apROpriate st«a a kxi porarro« ef6a eriina thu th dabs lus been paid urd that the Matpape is ro ktaga s onttatthruko a dr Fbngagod Premises, or the Ida provides errideato eha eha drdp he don paid and eha td IAortpapa is ro lanpar an enaarrbrarko a th fdortgapd Promise ro Bmewr a to oars oMa arson eahaind to rer:eln it. 'Suspension' means eha you wi4 ro begs d abler a obtain bra odsn any osteroiap of uedh a make tranthn to Fised Raa Puts. Susperrsis aNetts td Accoum temporaiy, until th torrition which soused td Stapombn ro bear wins. 'Temnrotbn' mearp that You wi0 ro brrgr d ebb to obtain bare eMain nY etensiau of serif a mike «anslar to Fish Aw Pan Tenrirrtiou afbcts td eaouu permerrnvp. 13. General Description of tl» Account. TNt Attest a a mialriy bar Aaoum, soatotiros styled a Ins of aerFn, h b soared by o mragsge. Ya mry aNan ben n this Aeeoum hem tMr ro tint drsky qr Draw Perisd M writiy cheeks n enrraxa of n« be than t 100 a byuaag ether artlri which we °rY pemril. Wo will add td bons to the balarke of tM Voriib Aw ParC You wi/ npY tlr bap by laltilp mentMy Myrtrms. As You ropey td Blake, mr wiN agaN maker dr trait saiakle to You, drrrirq tM Oraw Perbd. At vra d of td Draw Poriad Ya resat repot any ountardirp bseao axng tlr RepaYerm Period Nh ail shags a Fiaaro prarys err td euntdry prineips balance a td Variabb Rw rut « r«n eha aw drops from rims to ter. Each rrw tab wiM apply to td erttatatatky Blake n yea Yards Ror Put and ad new karawbgs anti tlr taro eAaagaa tyoN. Ouirq td Draw Mrled, yw msy erarafa aR a a portbn N td ptiaipel ksato hem td Vrishle Kato Put n e Fsod R«e Psn. Wa wr7 dwps s Fetanu Ctrsrpe, ralad a Tranhr Fee. sash rims Ya maker a parole. We rri0 rdwgo Yn a Fwwte Ckeryo s tM ounnndlrrg prirotps balarke on a Feed Rw Pat. Cttaryas is tlr karat tab wit athet «aress to a new Faed Rw Pal but wi at aflrt tM iataoot twos • Fab Aae Pan ono it a etobAslyd. You wi repay Mr IsNrke a the food Rm M n opt Ioynwds err no tam Ya rtay not hanafa Ntidas kagata a a arritp FaN Raa Ian. Tdn a ro IMS1 on Id maabar sf Fwd Rm Par tau flay tptAirl dieing tlr Draw Prard; You may hew ro men eha ewe find R«e P81 Pats ops n sq Oiy Cycb and You moy here ro men that err Thad Rw 10 Ph spa N arty Bury CYr#. Tau may not make a now bar tMt world ores dr rots of dr priartips dYrkos of td VarieWe Rao Pat and a1 Fised Rea Ps1s ro red td htesiraw Craft lyalt. tau moy rot mob a nw lean a make • trarhr ro a Need R«o Pat +mp osY period of Srrepesion a shot iamnaisn. It more the as naa u knoll n td 'Nor of 9enowalsl' aer:don edra, each irdiridui nerved hr wthaity ro wen rireks a NteN Irardt ban tlrit Atxoer kY aary odrr mans e we mot. Iran Limo to rims. peruil wilhpa td igrrtrrn a errrlraraap a art «ha Ilarowa. Each earowa hn td rpM to eaoNWr a Faed R«e Pat widrsrt td sipn«ao el aer atlrr Baroayr. 14. Sewrlty Mtenst. Barserorlsl strd arty odic Owand of th Aktrtgaged Prennas epee to pro leMa a New Mortgage an tlr MertgagM Premier, mikidr New Monpago a N Nr proper tam r flat h tea d raosrdo/ n dr ot0a of td Raeardr of ode a atlrr ePReRbu afAa N td Corxy wdn dr Mortge~l hairs a be«od. llanwaly d ony odrr Oarararbl spree ro hilly eoepaw wiro tsedr r sett sy rderics eras end, if learbr naermably esker, a sign a arnevro aasryoge a o row enngage it the oripns a bet detroyed Ianaoad ceMeia coon a 1K any rarer tamer d Headed. Td New Mertprgo wi setae 1M paymem d of arty r der die Arrtertdran d dre Carom Agrsenra6 inekrinp barn adrarresa hair tiers ib setuity n tfr Morlpaflad Prrtnraa a a ant attaesae of frost a Ir o:taat tk« R wadd serge th outaarttMy prirrppal belaaee u eyed tlr rrw kMdrw l:roft limit. Td arkkionel easily i«aets rtarvbtrd n dr Ctarsm Agraarat cstna n tern r aacun 5.. 6te~bN~lretpea N~iw Fix~sd ~taPext. Orrriry ~ -aio4 p may vapla oA a a portion of td prkrdpal hslaq M the Yariabla Rw rat u e amt Fpod Asr Pan. Iq RetKrest for a Tramier. Ya may n4s« a uarhr 4 o Fwd Rau pat by eongWiy d eipNap . Betake Ttssfa Roper Nrm, Rai6d hY sa. AnY err eareera may sign tM terse, You mat spodly is tlr Belerke Trarrda FArera wdtdr tlr vapfa wrT d ro e feed Aw P81 Pat a a Fuod Rw b Ptrl Ups raairiy td tsMrh car0letsd Fart we wit rraNly witk year eater a nspd r Ys wiMa a reaaarhb time. wkhdr ary not d ehN setts barrkiy Yy. Ibl Transfer F+e. You agrn to pat a TrsaM Foe n td oars tlitbad err Pape err. each tan You make a trsnshr ro e Find Rw Pas. Tlr irerrtfr Fn a a ~A+~dyAlNif. bl Term of a Flied Wes Part. W rd arm of aw Fired R«o 10 Pont wit M fm yers. to On td let Bert of td Bliy Cycle M whieA tfr d N td tam M a Fool R«e 10 Pen oaurs, the priasipsl dMrrs wiB it varaarN Iry a Me yais0le ReN Pat Irl Wdn tar rtrtpra« a trsrufa ro a Fed Rw Pal Pat Ya asrd adh a dr Battles Trarfa RsMtest teen tM tangle of flee ra0aYeseal b d ld Fad Rte -81 rat. TM tam rratu d «aM a nor cored. rke lets sr f M d toe flan 00 tnoath and not arts tlrtt 240 aanlr. Orl Td Rra peyrttem a 1M Find Rw Pre rti fA it appruistlr 25 d+Yt alto tM lea iy o11M Biliry Cyeb a wlidr td tnrrhr a eri. Idl Payment Amount. Ifl Td rsmom paYmems each eilkry CYCh fa the Fsed Rar 10 Pats wf d th Piastres Cherpe wlrieh octrued on the Fiud Rae IO Put drrrinp that BiNuq Cycle, liil Td stIMAled payxrms to a Fised Rw P61 Put wig d eakdaud to that e4ui paYrrrnn wi pay the Fised Rau P&I Put n hr1 by tM end of the tam ct vie Faed Rau P&1 Pan, A erg peYmeas re made s a betas td Payment Ow Oae. In Limitations on Transfers. lit Trnafrt to a fuel Rua Part met d a amorsrts rot lea than 35.OOO.OD each. liil You nrey rot assts balance from a Fued Rue Put to tM Yanabk Rate Put or to oaths Fised Rue Put. Iris You err rot vantler any additions balance to a Fised Rae Put eha it has been established by th iitis vashr. (ivl iraefas mat d made only clasp yr Draw Period, and oNy drrinp perads wdn the Attnutt lets not bean Tatttitr«ed aSutpattded Iv) Yau may not rrreb a tprpfa to a Feed Rw P81 Put during any Riiry Cycb n which tMa wa a bsarko on leers chap arc Fised Hate P&I Pan rturiaq that Bilfprp Cycle. Ivi) You may rot mob a truphr to a Fred Rue 10 Pan Bring any Bilpnp CYeb n which tlrto was a balance s a feed Rue IO Put Bering eha Bilirq Cycle. 18. Fineasce Charr0e flue to the appRdtlon of tits Periodic Rate ("inter-Nt"1. At a1 time eha this Aaxum a n stha, indud'sp td Oraw Pabd and td Rapeymam Period rrd atry period eha Tartiatien n which there romirp an eutasafry Blake a die Auamt imaet wiA d r:akdsted a of td Iasi day b yr BAry Cycb n td falowiy way; li When tM Interest 8epins. 1«ae1 dens to attar s td clay each ben d each aashr a peard to this Aeeount. Ttwe a ro time Bering whisk aedh a eronid tA« you i s« Her intaou. Ibl Mow Wo Determine the Bslance on YYhkh Interest Is Computed, Fa ash part «td Aeceum, tw cen4aa imomt ere Ur'Arwege Oily Balorreo' lirrdrriq caner aapeetiapl s that put daffy td pikrtp Cycb. Te pet yr Asap Deily Bsanee fa seek pal wa taker the dldM baktnn a eha put oath day and tdd ant rtew lace a trastan poaad to eha pat eha Bey: we srbvxt ary prryntatts d enib path a IMt pat tlrt Bey; d rw tdn audnet any tae Chagas, lees, craft irrwaaes gaffers std uprri/ Fnaka Chrget inekrid n td brtlako la Mat pat. The peer s 1M 'Oily Ialarko' la td pen. Tdn, ma add up err of dr Deny eiakat la uw pre hr dr Biinp Cycle d hide h th reel mama el days b the A~ C O ealsrcs Ice ossA AraaN Oady 9elaka (err tlrt put. We der this to pet sn aM air pre sopralsY. Ill How We Compute lenerest. For ascb patL wa wf wmpete kvenst c~ ~ N Or Awrap Oagy estate hx th« pre la yr eery OaiY -aNft Rw N sibs ~0 Cycle, and tlrrr naldplyuy td Redact by Id fa flea pre to th« Bi4ie1 C~ di w tadd~id rrl~aoe~i fro a dti pemrtotat11ir1ee~Ab' y C~ydet to p td imatst a dr Auart fa eha Biq Cycb. Idl Dally PetEodb Rea and Annual Feerwntapr Rate. Td elates fa eoch pen wi M cargaed airy td Oily htdoft Rah fa tilt put.Td rrrlhod el itarNrrirp tM Ortrty Paierfk Rw trppkabb to tM Vrde Rer Pan is a mahod flea we fedaod ro ys for td Aecoum n yr Crnrrt Apreemorp: NawekdAoxevu, tlrt ter YaiaMe Rar Baw Maps art Maw der thsrrgad by prpraph 5. feted 'Yriebb Rase Put" ado. Thor iitis Oaiy Prrriedk Ran apNieabb a Faed Rue Pur ft d'prdesal ~> ~ ~ ~ ~ Ar>GIYWK rEiPCENTAQf IATf far Faed Rm Puts aUe NI The Ceases s~ ro ehartga eadr Biiy Cytb, a< isrsidd kebw. and ro other tltrgaa. OorMlinp Annual Peroentegle ReAe irrrdrdee ordy arrest IQ How We Dstemtine tM Rea on tM VariabN Rate Pan. Tlr Yuiehb Roo toes sad ritdeaay turd n eke Carat Ae'esrat iuckrferp Ur rlapiptiorr of tw calMava N dr Gneporriry Aerate Pwetmage Rau ale dre Delp Pariedk Re1o. apply a td Yade Rw Part; Roriid heworer, Ilrt iM Yeriab4 Ran Sea tdrpa try hoer der dryad by pragraph 5, aYad 'Vuiakb Rau Put.' strn. Td Isis aggicabb r dr Vude Rw Put wi sw d sated dte 'Vrde Rw ?art Mier': tlr stager hr tlr VrahN Rae Pert wi new d toted td 'Yrde Rae Put ~~. Ip How We Determine Ilse Rate on the Fxed Rata Part. Tae Faed Rae Pan Oaiy Periofc Aaa sad Fwd R«a Pat Catespatday Aced P Rw sePgable a s saw Fssd Rsa Pre may ntnaa a deuesr a of td fast deye1r~ Bifry Cyder n w`dr dr F,rl Rea Put a oaei6drd. Td Daly Pariofc Ran rat Consspariry Ana/ Ponemega Rep agpicabb ro a Faed Rea Pan trig rot tlwatta rdraryo dudrtg the teas of eke Faced Rsa Parr Q Fiaad Rea Part Itedex. Td tans owd Io items td Irris noes la Back eiy Cycle wit d dr raw„ es desafN n this progreph, putidW n tie Mt ptrlkshaf i faleda aralh SLaef .AaalMdale td hat rby a whsle td rw! Cycles r4.e ~ ~ a proeefag dr lice Bey of td eiliy Cyeb. Orrrig Pat Irtis tri d tkr fasrie kt~ Atxoat a Package Actxrap, ell Fid Rar itaay wit`s DO ire, tr staadrd~eomaat~ioaalM 36pea matgspe eanaabnpks. Rw'1. Oetig eMM Cydr wM Yeu are eigrbla~ler~E Feraeb Alao Stdud Faed Rw Pat ktdr wi d tlr Farrrio Mn Standard Ran attddpfod M yr Empbrn Isaafl Awridrtt Awraa; eha n a+y eigtp CYeb M which yr Ferris fdao patrN jri a 34Yea nrrtgoge tararirrpe; br 612 rw tapped ear•yea F~ ~ ~d~ ~1~'Fsa(e Ma Oae•Yea ARM Aae'1 a gnaw vra t1e haw a Regi Assess a ~N sAe1 ~' ~ ~1 CYda who Yea Frei Ma •tr-Ysa AIMI R~ Arxest tlr Fuel Aw Pre Nis tai d tkt EmpbYa Atarb dre Reel R«a M Ia~wi~M Faairae~ldae D~eaY A~ Ttr Facer tort Nds~t "pu at assuuiy the bwea ran shaped by ue an wr bans. e+awrsesaaasoe !Page 4 of 37) ~ Page 3 0l 4 t Amendment for Choice Home Equity Line of Credit PNCBANK Name of Borrowerla): Name of Ownerlat: RANO M ROCKEY Lender: PNG tad, NadeaN Ataaeialiea Account Number: ~003tMt11t23300t Address of Borrowerlsl: Data of this Amendment: 423 W MAIM ST 06101f2006 MECNANK:SBURG PA 1T05S~32e2 (KI Fixsd Rate Pat Part, IAI fixed Rate Pal Part Margin. Dump Niep Cytdes when here a FMpula Accoun, tM Fired Rare P91 Pat Wrpin wiA a f4aN a Fisb Rab Pbl Pat Base Atapin stated an papa one, OerkN B•ifrtp Cytdes wM you rs eNpiMe la a Package Aeeoun, tM Firb Rea P81 Pen flerpin trill 6 eouN to tM Fixed pate P81 Put Base hMrpe rdttus tle Ptclape BetsM state on gape one. Dump &pitN Cytles wha You an efiliM M an Emplop Account, iM Fixed Rate P&I Pat Margin rri M equl a the Fixed Rate P81 Pu Base Margin multip5ed by tM Employe Balsfrt stead a gape one. IBI Calculation of the Fixed Rata pal Pe Corresponding Annual Psresntaga Rats. TM Find Rate P81 Par CorrespoldirN AmetN Perpmage Rah hr arR 81'irtl Cycle wi bf the sun o tM Fixed Pat hldex pka tM Fab Raa PBd Pen Mrpin. Plwrla+G dowewr, than the Fiud Rm P$I Prt ComspaldrpANNf/AL PQCENTAQERATE ' nnnr be more than 18%; end that dump any Bl7kN Cycle wha goo se t1ipAM fa an EmpMyp Auoum, tM fired Rye Pal Pat CenespMtthN ANN!/A! PERCENTAGE RATE will serer be more than 18% naldpfrd by tM Employs Benefit. ICI Calculation of the Fixed Rata Pal Part gaily Periodic Rate. TM Firb flea Pal Pat Oaiy Pngdtc Raa r bt urd a tech BiN CyeM wiN M determnb on tM lust dry of tM Bing CycM br dtnidilN tM applieaMe Fub Rate Pal Pert Cortaporbirq Amwl Peayals Raa by 3851a 386 in • Nap earl. (pil Fixsd Rate 10 Psrt. . (AI Fixsd Rate 10 Part Margin. OurirN Bite Cydu wMn you hew a Reltler AepuM, tM fixed Rm 10 Part Maphl lei M ogwt to tM fi.ed Rate 10 Par Bess Maryin stMb on papa oa. DtttiN Tipp CytMs tuba You an Nipde for a Psehape Aeeoum, Ote Flied Rm 10 Pat Wrpia wi tr squat u tM Rsb Raa 10 Pen Bap MMpM mhs 1M -adslr BepNh atatb a peps one. Ouinl BNiq Cycles when you an eN1RM for a Figlayes Aetapp, tM Fisb Rea 10 Pat Maps wi be etptN » 1M Fab Rya q Per- Bar Maps mdtipNtd by tla Empbya BeafR Hated a pap errs. IBI Caktrlation of the Fixed Rate b Part Correapond(ng Annual Percentage Rlsts. TM fml Raa b Pat Comlprlipg Amwt Pareantpe Rate for any BiirN CyeM ab8 M tM erw N the feel Pen MtYx pMs «~~IpB~AY/AlP~A7Aaaw,~ nweMenmit%;Pad tMt thsinp sty BikN Cycle when You an e1piM Ia a Ea4Mra Acpat tM Fixed Rau 10 Pal CarespetldaN ANNfgf, /ERCENTAtTERg1F,e8 ttepr he man than 1 B% mdNgW b tM Eaglaya Btndit. ICI Caloulation of the Fixed Rate 10 Part pally Periodic Rab. TM Find Rm 10 Pen Oeip Ptaesie Rm r M aed h oath gilknp CyeN wiN a dturmasd an 1M first day tf tka Kipp Cyei by dlaidrN tM NgAcabN Fired Rau 10 Pat CarespotldaN Amwl Perasetale Rere by 385 ktr 388 in a Map yeerl. IM II you Cbr 1hM Aaoum 6Nart tM etd of th ~ PMied tw nay cakdeit tM accrued imerest W to tM dm thy you CMa Nis AcperN; ale maY regrn you to psy rM aeerwd imwtst Ier tM perOal Biltp CycM alotN wiM ds other aralaNs der before we SatMfy tM Mortlepe of IMprd. 17. OtMr flNANCE CHARGES. Bit wi dsra yap h Otlw FINANCE Cl4fRBES shown on page one, lal Tnmsfer Fse. Wt wi drape you a Trash Fee al t4 aneterl dtsdord on pipe as each tires you trwhr a balance to a firb Rya Pan. TM TrMefa Fa fs a HNANCE CMARCE applieebM t0 tM YeeiobM Rate Pert. roe -r'er.yaapt regally. n tM INasinalm fn6t t:rt a ra Aacatad, aher Oa effecthrt date of tM AmMynsm, it more than 150000. tw tai rirlo Yor s PenNty of tM amerlm tlecMsb on pope ore i1 per Cleo 1hM Apssa widtM~thrte~f r•a of tM om N thh Arrwdlgm wtreh wpeas y tls sr N saw «r. a fader ulgoses a Pnpeymem Penalty a aurlrrired M Nis aaetMn lepdtr Mq, charge Os Prepaynwnt Penaty u a finance Cherie on tea erlataas owed a tAa Aww and ~, rettuire that rlw Pntaylrsrtt Peralfy a pail htfen fader SatisBn tls fdortlolt N 18 Payment [rue bete. TM Atiniaaerr Paymem lei w t#s alb 817tH CytM on a befan Os Payrltom Ow Dya, steal each nsMh ep Ota tiN Steeaare. TYs wi M on a chew Na day of tM month now eppUcabN ro tM Aearaa. Gut's anlject to the aptMn of tM Lapdtr. cMepe y / 8. Minimum Payment Amount. TM 16tirtpea Payment wi twa bt pnya that tM total of fM new baMrlraa on each prt N tht Aesaraa. Tit Iteiars Peymem wA a ds rtM of tM fNbwkq sxralmtr. 18 Any part dw amounts. fbl TM arum paymtnt due on IM VaidM Raa PaR sdirb eti pew M t-eatw tlstl tM trw belelsa en tM Variable Rate Pan and wi It I11 OuMg der Draw Period 1M 'paymmt epserlt' due kirN tfr Oraw PMied ss stated in tM Career AprterAtn. I21 DerMI 1M Repttytant PMMd, untN iM VarillM Rye M is paw M ht, 1M curerp paymerN lee wi M the pear of IAI tM sun N tM Firlarre Chrpa fa tM YalhhM Rer Parr and at& inauanp premium ter tler AeputL if spy. sal eOa trt A appleabM gut rot itekyinl lea Cherles- rtlreh haw aerial /IriN ds Biirll Cycle, der tM tpeyer of W11240th of iM pripaj/ kslencs M 1hs YarMYo Mte Pan y iM end el tM fast tiipl CUde w Or Nlelaypsy Perfe! w W N tM balerst N s Fisb Rm i Pen ten been aatwfarsl r thr YariekM Bale Pert derkq na Rpaynay PMMd tract N tM ftripdeN treMpp M IM YariehM Raa Pan y tea end of tM Bipl CVde w Mii she aapeM wa whm~s egoyl Os nnbM N praAe ntpeiip M w Repaynrnt Ili 128.00. ~0 ~ in whidl tM traNar sae pewit M lel TM rotN of Ns rarraf paYnsms der on any Food Ryt Pits whx# ill la you each FiseA Rah 10 Pal wi be dto them paynsm ter IIa Fab Rye ID Pert; sad Ch la tM each Fish Rye Pdd Pat wi a tM Msser of tM new bttarce a 1M Fued Rar Pdl Pan n a tM scheddN paymtm m IM Fixed Rm P81 Pert. Estapt that, an tls duo /yr of tM e fine) sehedllod paYrmtt N e Rnd Rate Pal Pat, tla totN ourtendinl flew belaee of tFat d Fixed Rau Pal Pat wiN Oe der, atdudaq sN ulprd pincipN and Finallp Chape. See the e action eaNad'Eyabfitlraq eNew Fisb Rate Pert to find an how the ansups of those t pappms wl k ededeted. 20. Paynlsrtts. rt UI PaymaM ADptcation. We wiN up each payrrlem ardr by you of an t amoum etpl ro er tau the Os 1tnMaatl PaymsM ie try nIMNA fist to pay tM hied 1 itllerett oa aA prh, ie atry erder to tdtooa; the ro wy obit iserssp grtmiua, if rha ro peg tyt Chrpn, if arty; then to pay rM Amlal ab Tramfer Fast if Mat io ~ PM lay ether ha, n any order tra ehaa: thou u pay trtsteps itstrred h p~itat the :acuity N tM ft4rtgels; Oan to pay hied prbcipal, startiN with Or fuN Rm Pant in rM adM M which tlsy won estahRshe/, and fAen tM YerMhM Rya Pan; airy -epairtill uteDONs1 PaYnsm wi be treated a a Onpaynsm. If any gineipN in a prt is not raved by IM Mert9aBt iha antapN she be detmed paid behn atry other principN in that pat that is second by tM fAertpape. Ibl Cretitinp of Ptaymants. Ii we rupp yea OaY~t by ~ 6eMrt 11:00 A.M, a a perptel byitrr day y tM address intRcaad on tM maOdy uyensnt aeeampatred 1Y tls peyerMtt pspon which is pan of tM IISMNy statemMd, ss wig aeit you peYptern a gar ytelsy a el 1M dae wt spire it. Urlw odsrttia requrN by MW, rr wi tseif al otfar ieymsnft a you tttotpa al more Mall 5 dap anal leoeirinp Nam Icl Credit Atrailable for Naw Loans, M pla/atinp tM gincjN Mina fa tM purpaa N tMtMprlllN 1M ended of tM h4silrnlm Credit limit that ii aralabM (a ^e'"l Mutt ~ mY tMby erednkp OeYmems Far a nuopaW time fer elreb end edsr PaYnsrN nsMa/t a M pNened frap tM kawa ho eMerl. 21. Pnpaysrtant. N yea pay a eralplt InstM Map Ole hKtrnastt Iayerax which has bee 6iNN hM ameMtt n aaa of Os htnaurl Peytpey M ealel a 'gapeypsy"L Nis MAYSMAKf MNFPAY~MENTS IN ANYeAMDUFdB ANOP M~ItY pAY THE Ny~ ~E ANY TIRE PROYIDEO THAT YOU PAY AT LEAST TI# ANNNYNIM PAYNEMT EACN AIONTN WHEN IT IS OINE N ilNt PN Me bsirKe M frll and Cbr this Atetud, you may M ngiitd a PaY a f#epayalMN Nalrhyr, a rt hrM in tM 'OOsr Fpsttp Chagos' ratsia N Nis ApeMtry, we wi tPOY arF P-NaYnsy a repay IM prMapy balollee, Nertipl wiM the YeriyM Rah Mr/. ant t11M yartMl edlll Its FMed Rah PMt whA the hilheet irNanat rata; hoeneer, i tlr prepepnatt pap IM gintdpN beMtse M a FMed Rate -n M kA ere wiN apply eq nlpaiNM InPptstlt h pay tM satbied Mtoray M My feted Rm Part, 2ro C~ kuunnoeCro4yi Nfi~kwnllnil err utdn.ll Yw elsee a ftudar aait Nh itsuana, tM ada0hi, is net rtquirM to eMan usaral ro tM YariebM Nar Port. q~up for tM AeeosN wi M 23. You Agna~ h addtien a tM gomMes and apnerttems you made in Oa section of IM CuroM Agranry caNed'Yw Agra' you apes: Id Nat r ratplen tasters N Mss titan 15,000.00. Oats. IW Te peg y Moot tM Atninaan Payasm tads maph on a before tM Payment Oue ic) io ilrmo6a»ly peg any faro CAerp aesosrd. IA 1o i.a.aanaFy PaY sly pMtion a Or prindpal baMnce h utsr a Oa Meairlpim Crtt11. DeNMl.la thR•w tKalM tMMfanpe altfytNAatNied OR tIM mpgt tatay. Ifl Te peg Os iraphr Fa and fhtpayrtsnt fat if sppNeable path of trticA an FMerta GAMINE a poeidtdM Ws Amart6pey. AfrAY'fA1ENT t:A[lfD~t7fl AtiNEEAfATERI~ OJi+J6Af1tAYS1NCWt[NT A6AEfAlfNT. 24. Ow Agtsasrnt to Maker Loam and TrautN~n. W Lolam. we alae a pay clacks and red. Mara by any mtdsd pertritted this ApeMnrr, a MIN s thry 4 ny ease 1M told of Os prMeipsf bslenps w ter VMMbM Rar Peal apd dte feed Rir PMh p eeead IM fAariltaa Cn61. Cheeks aed OnwhrMt M d+te4 draws ad Math a thM Aetaratt by tau/gall eRer tM eM of tds Dnw hdo4 tsppt~ee ~ Oraw PMMO er witltM Ent beaMera dhyt PaY any dads lord drawn er Mead. er et m tM IaNeatpp aerweap. nth wi oy by a alts tA'er Acaerd M Tarltawb w nOlsst fK • Mtn stele h you w reeeited aedh an prsbiiaal r Serpwtled a pwidtd M ~P~ib aadllee hsdler ertasiater el dsc4 wriNoa ~ tits AopMm wi w Miy ttsa elsellssasl ue hr~thal tpeo I ~• Ol Trstssrlars to Rxod Rata Parts. Stgeet to der lkpitatioro a Transfers styal M the ptgnglt plad'EstahBeAMg a Naw feed Raa Pat,' sn spa u trash Oslartea beer tie YtrMbr Rah Mn a a Rsb Raa PMt durkN IM Oraw PMiai. N regtsetad b yri M rpMaar rgliod M Ors AMwwwlt 26. Pbetl0la Actiaee YYltich May Ba Talcart ey lerw.r. uMr re eiraanstMlpp irtiN M Or CvaN AlrtMny, lends can: 111 Tarnrpea IM AttatyC 121 regMn yrr r ttry tM eptie eustrdaN beMrxa a tM Aaamt w ens psymsat ii n1M taMttipit (5) niNow,waaer sf atilt wNek M ealod'9apoaOw': M 181 mys spedBsdrNea elrt an ay fah n am FuN Rya Parts eclat PMa l~Me ~ a~i ~ tr11jiad toii0w"' to pnbNdr ww ferb Rye trif Bent AtMIM eglpBl20% a AIM~dM u Rallis Aetstnu phr the fee/ Rau -al -aR AN heir very trsgersriP 3sspertl yea alaTitY ro atabNd sow FvN Rase D Pans N the fyereN ieu Miler 41Ncalle a Rspuler Aepwds phs tls full Raa Pat b Bar hW js egalM 20% w eras. tsonw,se:e~aaot Orgkut {Page 5 oa` 37) Page a of a amendcfient for Choice Home Equity Line of Credit 1 Name of Elorrowsrle-: Plsme of Ownerlel: Lendsr: RANG M KOCKEI' PNC 1aMk ~~ AtWecietioe Account Numf»r: 4003040i11233D08 Address of 8orrower~s~: Dete of tAis Amendment: 0510112005 423 W MAIN ST MECNANICSBURG PA 17055.3242 Icl You may not make any tramta to a Flied Rate Put e..tp any puiod of EACH BORROWER S161WYG ACKNOWLEDGES RECEIPT Of A COMPLETED COPY Of TNIS Suspemion a ahu Tumindion. AMENDMENT AND BY SpiMNG THIS AMENDMENT INDICATES HIS OR HER INTENTION 28. Chantpes to Your Account. a adtitron to th einpes aeuiuted a you TO BE LEGALLY POUND BT THIS AME NT. Cwnnt Apreamuu, rra may tnab eMan dunpu set lerih in tltis AfXeeam4 upon Mr hsppertirtp o1 artain specified stems. fu aatttpN, H you an i1~ fu Hte Empbyp Bemla when you open your Aeeatrrl, ud then ease Io fs dips! for tle benefd, tlr r -'~ Amud Pareantape Rata on yar Actmum may itxnase. rowers Sipnuue M/10 M ROCKEY Oeta 27. Your ResponalbiWtles. 11 nitre thus an of you Las apaed dtit Atttsabnen4 at of yeu ere etpu8y nsponsihN, idiuidtrlly and tttpether, to us lu paysnem in hdl of this Account aM paformana of all okl'tpatiom undo tle Apmmem. 28. Eftset of tM Amendrent. Borrewa agea that tAe eseeuion of thu Borrower's Sipnuue Oatc Amettdntem does rot pay the Actaunt a aubly u pay the ngrl0epe setantp th Aet:otrtt. This Atttettdttem is rupplentemal to tlr Cumnt Apreanm atd tru a m6stinrion la rt. EACH OWNEA SI6NIN6 TNIS AMENDMENT WNO IS NOT A BORROWER. ANO GOES NOT Esnpt n speilia0y artertded by thu AttrMtrrr, the Currem Apreaaurt rauines b fuf HAVE TNf RIGHT TO OBTAIN LOANS ON THE ACCOUNT, IS CONSENTING TO THIS lorce and effect. AMENDMENT ANO AGREEING ONLY TO BE LEGALLY BOUND BY THE TERMS OF THIS AMENDMENT RELATING TO THE MORTGAGE TO THE MORT6AGE0 PiNMISES, AND t0 INSURANCE ON THE AgRTGAGED PREMISES. THE OWNER'S UABIIITY IS LIMITED TD THE OWNER'S INTEREST IN THE MORT6A6E0 PREMISES. Owmr's Sgmturc Date Owau't Sipwtn Due 8Y sipwt~elow, lettdu Mrsfry apraes to this Arrertdrtwr and th tdpttpes slued above. µ'` a- ~S S PNC Btnk pepmantn' a 01(iwlEsurtsart Oue ' Amendment Index. Thia ktdes it la rottwtiertee std uMenee. q shN tat 8mi1 th meattinp a step W eny puaptaph u Ncpon. Th ttuniers nfa to pupraptts of this Ametttlment. Aeakretion of the Outuendnp Bdaros 25 ~ ~ e Aroud Puantspe Ran __« 5.8. 18 Avuape0ailyBalena..._..._. ,p BeN Muph_._r_.-.~_ __6.6.10 Buroyvara respomNBNkn ~_.._ 23, 20 CNte tltie Aernwt-.N_...-. -1.B -- CMtigCosts_-~ Chit AraiahM _, _ 2, j ~ 4 Cretfit hauartee _ " - 22 Cndtitp of hymams „_-_,,_ ~ Oaiy Balance. ~8 Daiy Perbdc pate_,,,~_ 5, 8,18 ~~ _ T3.25 a5ritiom.._.__._._._ 12 Wow Psrad _ 9, 12, 13, 24 Finase Chu1p~~._._ _ 18, 17 Flied RaM Pam ~ __ 8. T2 15, 18 Gsaud Oesajtiott of Aeeeun~_ ~ ,3 kttles ..~.._ -_-_18 lutlr .._.__.- w_ InYOdttetion tastdt/s Linty _, 24 M+P 5 18 B __~ Muerid Oliptioas of 8orrowu., _ _ , , 23 Masnaa Gadit omit ____ _ '~ 2 12, 24 Mu4#._..-.~_~ Ow ABtursnt a Make loam-_ _Mtrodtctiws 1t ,- 24 Oewer keheductisn Orertfraft Pteeenion _,_ ^_~ --- - 4 Pore d the Aeaux, _ 12 Payaeu Appfitadel ,._ _ ____-.~0 Paymru Ow Dan ~__- 18 P _ - 18, 10.20 Payrtetp Chupad to Cbukuq Atxanf_ ~ _3 PtgsYUettL_ -._.. ~_ ~1 Prapymem Fw._~~" -.__7.17 pWuctktn of Mttckrum Credit lntt_` _---_-- 25 Repaymam Paod _ '-- _,12, 13. 15 Settsly the Mort _ _ 1 Secuiry ~~_ 14 _._~_ Swptnion el Credit hivikps ..__~ _.._._~.._ 25 Tam al a Feed pus Put `_- ~ _I S Tentitrstienal Aceam-----.__.` ---,-- 25 YaieMepul--_---_ .._..__ 5. T6 Ytria6M Pete Put --_ _ 5, 16 Writwp desks __ _-^ __-..-13.24 esore.r:szwoaoe , ~ `,~'~ Prepared by: PNC Bank • Consumer loan Center Mortgage Serviang Mailstop P5•PCLC•01-I 2730 Liberty Avenue Pittsburgh, PA 15222 Telephone 412.762.6728 Return to: PNC Bank • Consumer Loan Center Mortgage Servicing Mailstop P5-PCLC-01•I 2730 Liberty Avenue Pittsburgh, PA 15222 Telephone 412.762.6728 UPi a: 20.23.0567.027 L~1 . is ~~(-~-~ Open-End Mortgage (This Open-End Mortgage Secures Obligatory Future Advances) ~~~vi~DE~ OF'JEr-, 2006 ~'~fl Y 1$ ~(~ I1 10 OLNACSl/ 10942671 PNCBANK THIS MORTGAGE is made on 05!01(2006 . The namels) of Mortgagor(s) is(arel RAND ROCKEY. If there is more than one, the wad 'Mortgagor' refers to each and erg of them. The Mortgagee (lender) is PNC Bank, National Auoeiatiom. The word 'Borrows" means RAND M ROCKEY . If there is more than one, the wad "Borrower" refers to each and all of them. The Mortgagee has granted to Borrower a home equity I'me of credit (called the "Account'), under the terms of a written agreement dated an or about 05101{2006 .The agreement was amended ands the terms of a written amendment dated on or about the same date as this Mortgage. The written agreement, as amend by the written amendment and any other amendments, supplements, modification, changes in terms or addenda, will be referred to herein as .the "Agreement." The Agreement provides for a Maximum Credit limit (that a, a maximum amount of indebtedness) of Twenty-five TAorreand Dollar: And Zero Cant: Mortgagee is obligated, undo terms set forth in the Agraema+t, to make future advances duringtthe Draw Periad~af~she Atxount, which ends on the last day of the monthly billing cycle in which the day ten years from the date of the written ama+dfinent which is dated on or about the same date as this Mortgage occurs. Mortgagee is not obligated to make advances which would cause the principal balance outstanding to exceed the Maximum Credit lirr>ib a+d is mat obligated to make advances alter the Account is terminated err during any period when further extensions of credt ere profd6ited or suspended as provided in the Agreement. By the Agreement, Borrower has agreed to repay the advances in montMy installments, with interest. The terms of the Agreement agow for changes in the interest rote and the monthly payment. Borrows may transfer all err a portion of the principal balance to a fixed rate part, to be paid aver a term in equal installments. The rate on new fixed pats will change based on a.formula, but the rate on a fixed rate part wib not change after rt a established. This MatOage secures to Mortgagee: (al the repoy~nt of the debt evidenced by the Agreement, as amended, supplemented, or modified, from tuna to time, with interest and oths c sh ge as provided therein; (bl the payment of eN other sums, with intaesf thereon, advanced hseunds for the paYmeet of taxes, assessments, maintenance charg9e, ersurance pranitrra and costs incurred to protect the security of ties Mortgage; (cl the peyntent of aA of Mortga~gee's costs of cttNettion, incbding costs of suit and, it permitted y law, reasonable attorneys' fee and expenses, if suit is filed a otl+er action is taken to collect the sums owmq or to protect the security of this Mortgage; td) Dayment of an~~rr refinar+cirrg, wbstitutian, extension, modification, andJor renewal of any of the indebtedness and other amounts mentioned in subps~raphs {a!, Ibl or lci of this ps aph; te) the psforrmance of Mort~gqagor's andi'or 8arrowar's covenants and agreements under this Mortgagt and the Agreement; and) the repayment of the debt evidtuiced by any agreement which was replaced 6y tfte Agreement, to the extent that such debt is owed to Mortgagee and has not been paid. for this purpose, Mortgagor dos hseby mortgage, grant and convey to Mortgagee the foAowing descried prapaty, together with a!1 +mprovemenis now or hseafts erected, and ell easements, rights and appurtenance thereon, located at and known as: 423 W MAIN ST MECRANICSBURC PA 17055.3242 CUMBERLAND Raeordia~ Date OtltttlR003 Deed BsoM Numler 25d PapsNuierer 3676 Tsz Psreal Nrmaber 20.23.0567-021 Lot and Bloek Nuaitrs NiA NfA rn.C,l/~~ f ` I ~ ~t.~- ~' ~J PA EFORM 122745.0505 Page ~ et _ EXHIBIT 8K1951PG0332 - 3) The word 'Property" herein shall mean aM of the foregoing mortgaged property. Ta have and to hold the Property unto the Mortgagee, its successes and assigns, forever. Provided, however, that if the Mortgagor andlor Borrows shall pay to Mortgagee the said debt, interest, and all other sums and perform all covenants and agreements secured hereby, and ii Borrower has no further rght to obtain advances of crept under the Agreement, then and from thenceforth, as weq, this present Mortgage and the estate hereby granted and conveyed 6y it shell cease, determine and become void and of no effect, notwithstanding anytlgltg lathe contrary in tfris Mortgage. 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 corwey the Property; (b) the Property is unencumbered except for encumbrances now recorded; and (cl Mortgagor will defend the title to the Properly against all claims and demands except enctrrnbrances now recorded. Default. Mortgagor wi be in default under this Mortgage upon a default under the terms of the Agreement. Mortgagee's Remedies. Unless prohibited by law, if Mortgagor is in default under this Mortgage, Mortgagee may at its option, after notice required 6y law, dedare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and owing under the Agreement. If Mortgagee so declares such entire balance due and payabe, Mortgagee may take possession of the Property, collect any and aY rents, apply said rents to the indebtedness secured by this Mortgage, foreclose the Mortgage, or take other action upon the Mortgage as permitted err provided by law to collect the balance owing. Remedies Cumulative. If any circumstance exists which would perrnit 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 shag be cumulative and not alternative. Benefit sad Barden. The promises, agreements and rights in this Mortgage shag be bind'mg upon and benefit anyone to whom the Property or this Mortgage is transferred. If more than one Mortgagor signs this Mortgage, each and all of them are bound individually and together. Delay in Entorceraeat. Mortgagee can delay in enforcing any of its rights under this Mortgage or the Agreement without losing that right. Any waiver by Mortgagee of any provision of this Mortgage or the Agreement will not be a waiver of the same err any other provisran on any other occasion. Assignment. Mortgagee may sell, transfer or assign this Mortgage without Mortgagor's consent. Sevsrability. If any provision of this Mortgage is held to be invalid or unenforceable, such determination shall not affect the validity or enfo eability of the remairrng provisions of this Mortgage. WITNE t e ' of this age on the d e set forth above, intending to be I bound. Witness Mortgagor Witness Mortgagor Acknowledgmlent taken in the STATE OF PENNSYLVANIA, COUNTY OF ~~svi`J. On this ts~ day of ' before me, , the tm reigned officer, personally appeared nn/ ,(.. known to me for satisfactorily pa venl to be the persoMs) whose name(s) is farel wbscrrlsed to the witftin instrument and acknowledged that Irefshelthay executed the Sarre for the purposes therein contained. COAMMONWEALTH OF PENNSYLVANIA Nodrial Seal Sandra L Cale, Notary Arblc Me~ntloraa eoro. Plke County My Carrltrrisefor-Er~ires/Wp.11,2008 Member. Pen~sylvenie Apodatlon OI Nobrres Certificate of Residence: I,__ do hereby certi#y that Mortgagee's precise residence is Z. PNC Bank, Corlsu loan Center, 273011ber venire. Pittsburgh, PA 15222. ~.,~t uiy ~ht~ to be recorded PA n Cumberland County PA Agars for Nbrtgagee EFORM 122745;0505., ~~,~,~- ~ ~~ _._. •_ /~' r~ /r ~.~jw Recorder of J)eeds B~ ~ 9 51 PG 0 3 3 3. ~PNCBANK Mr R and M Rockey Date of this Notice: May 17, 2007 423 W Main St Mechanicsburg, PA 17055 ACT 91 NOTICE TAI~:E ACTION TO SAVE YO UR HOME FROM FORECLOSURE information about the nature of the default is rovided in+the attachedua, es. This Notice explains how the nro>~ram works. (Persons with imnair~ed hearin¢ can call (717) 780 18691 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 IlHPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDTTAMENTE LL~AMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LL,~gADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUA~, PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: Mr R and M Rockev PROPERTY ADDRESS: 423 W Main_ St. Mechanicsbur PA 17055 LOAN gCCT. NO.: 040-03-048I 10233008 ORIGINAL LENDER: PNC CURRENT LENDER/SERVICER: PNC Bank, NA EXHIBIT Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenwe Pittsburgh Pennsylvania 15222 (~ PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE 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 tel hone numbers of desi ated consumer credit counselin a encies for the county in which 'the nroyerty 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 imme,_ diatel_v 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 ST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIlVIE PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IlVIl~IEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Averave Pittsburgh Pennsylvania 15222 ~ ~ B PN C BANK 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 Emer~encv Merto9an seeiate,.ns. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it un to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 423 W Main St, Mechanicsburg, PA 17055 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 $272 62 for each of the months from March 2007 through Mav 2007 Other charges (explam/rtemize). Late Char es for 0.00 TOTAL AMOUNT PAST DUE: 922,77 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 922.77 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 god Floor Mailstop• 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 ezercise 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 aeon your mortgaged aroDerty. 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. I~ou cure the default within the THIRTY (301 DAY period you will not be required to pay attorney fees OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other Sums due under the ~g~The PNC Financial Services Group Consumer Loan Center 2730 Liberty Ave+~we Pittsburgh Pennsylvania 15222 ~ ~- ~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 Having the total amount then east due lus an late or other char es then due reasonable attorne '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 performin any other reouirements under the mortgage. Cunng your default m 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 B NA Address: 2730 Liberty Avenue 2"~ Floor Mailstop• PS 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 Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You 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 THIltD 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 NONEXIS'T'ENCE 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 PNC Bank, National Association cc: 1°` Class U.S. Mail, postage prepaid CONSUMER Cam' ~~A~bANc~ra~RVING YOUR COUNTY (see attached) Consumer Loan Center 2730 Liberty Avenwe Pittsburgh Pennsylvania 15222 ~ ~ .~ a l o 0 0 0 ! ~•,azd '~ g~ I rn rn rn rn ~ f7 ~o ~ ~ 0 0 0 ~* p j ~ m m { ~ p~ cA "9 CA ~ .`~ a; O p O~ O ~ C M7 a Q ~! O p ~p p ~ ~~ 7~N c' ~ 1 0 O O O ~ '- '" m N N ! N N I y' o N-------1 0 o O o ro< ~ ppo O O O O ! j ~' ~ n M m ~ ~ , CO OD ! m <' Z ~ .A .p .p r...+ a n 3 F~ V-+ }-~ p.. ; l11 lD lJt J ~ N V ~ ~ ~~ ` ~ . ~ ~ I ~ I 3 ~ ~ --- -o- ~ r~ N nj ___ „ n w I _ w E ~ ~~~ a ~ ~! ~ O m m A ~ ~ a 3 fA M• ~ ~ n , fT ~ ~ o C I ~ ~; n ~ ~ 2 o ! t~ rt Q~ ~ m m ~ n! ~ ~ - r ro 7S' ~ b rD --- ~ ~ f o s • N ~ °_ 8 ~ v - O un s ~ fav 1 Q O ~ I to ~ 'z . . r -- _ ~.._ _ 'm 'm ~ W CD ~ ~ wi ~ ~ "u m ~ o s ~ I O~$QZ=D Ni N N ~ N NI N ~ m~ e~au~ rn~ rn rn ~ ~~ ~ S 4.m g~~~ ~' •(D 4 `=i ~ ~ ' r ~ ~ ~ ~ ~ I ~ ~~ j = I~.____...-.~___ ~ ~ i _ C1 ~ I ! A c '~ I $ml ~, I r _ $ a ~ r-- I C ~ '^ ~ ~ r i ~ • N V ~iM a 7 ~_ I .? 7 I I ~ ~ z ~ ~~ ~ ~ I o~ ~ o~ N ~ ~.. I _ _.. ~. _."... s n u g sc~ptrsci~ ~:ei;;~•~~> ~ s o~ - N N N (v l N N r Ji I Returr~ €cece~a~: s t/ N N F+, ~,.., a to u+ to to v~ to to to N N N N N N N N lT tJ~ N l71 ~ ~ ~ ~ r.~ f.] (J r.~ ..~ r.. r.. r.~ ;_ ,_ - ` l '~~ `, .~ ~ Cumberland County Urban League of Me~o~olitan Har, isburg .2107N6~St Harrisburg, PA 17101 (717) 2~»-:925 Fax (717) 2,2-»98~ YWC.~ of Carlisle ;O1 G St _ Cariisie, P.~ 1 i0li (71~ 24~-:818 Fax (71 ~ 2»~-.948 Consumer Credit Counseling Service 2000 Linglesown Rd Harrisburg, P:~ 17102 (717) :»i-1i57 financial Counseling Se^rce of r;ar~clin County - ; l W ~`~ St Waynesboro, P:~ 1 i?68 (717) "r6-~23~ ~. d W ~ O V T _~ W ~. V F ~"~ { N ~"~ ~~ 71 f ^ v ~ .~ ` ` ...% ~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-04900 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NATIONAL ASSOCIATION VS ROCKEY M MARK CONKLIN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE ROCKEY RAND M the DEFENDANT at 1045:00 HOURS, on the 22nd day of August 2007 at 423 W MAIN STREET MECHANICSBURG, PA 17055 by handing to RAND ROCKEY a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge q~64lbZ 18.00 8.64 .00 10.00 00 3 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 08/23/2007 TUCKER ARENSBERG By: Deputy Sheriff was served upon of A.D. IN THE COURT OF (COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL r~SSOCIATION, Pla~ntiff, vs. CIVIL DNISION No. 2007-4900 RAND M. ROCKEY, Defendant. PRAECIPE FOR DEFAULT JUDGMENT IN MORTGAGE FORECLOSURE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 b solomon(c~,tuckerlaw. com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 BANK FIN:308860-1 000011-133119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ~1SSpCIATION, CIVIL DNISION Pldintiff, vs. RAND M. ROCKEY, Defendant. TO: Prothonotary No. 2007-4900 Kindly enter Judgrtlent against the Defendant above named in default of an Answer, in the amount of $27,805.68, plus contin>.jing interest at the contract rate together with late charges, costs of suit and attorney fees on the declinljng balance computed as follows: Amount claimed in Complaint $27,245.95 Interest from 7/11/07 to 10/1/07 @$6.0209 per diem 499.73 Late Changes from 8/07 to 10/07 @$20.00 per month 60.00 Total $27,805.68 *Includes credit for payt~tents made on account. Interest, late charges, attorney's fees and charges and record costs of this proceeding will continue to accrue from the date of entry of judgment. I hereby certify that the appropriate Notice of Default, as attached has been mailed in accordance with PA R.C.P. 237.1 on the date itldicated on the Notice. T KER SB G, P.C. e Brett A. Solomon, Esquire Attorney for PNC Bank, National Association, Plaintiff Plaintiff : PNC Ba I ,National Association c/o TUC R ARENSBERG. P.C., 1500 One PPG Place, Pittsburgh, PA 15222 Defendant: Rand M. Rockey, 423 W. Main Street, Mechanicsburg, PA 17055 BANK FIN:308860-1 000011-133119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ~-1SSOCIATION, } CNIL DNISION Pla~ntiff, ) No. 2007-4900 vs. ) RAND M. ROCKEY, ) D~'fendant. ) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF 1~ENNSYLVANIA ) } SS: COUNTY OF ALLEGHENIY ) I, Brett A. Solomop, being duly sworn according to law, hereby depose and say that the Defendant, Rand M. Rockey, is not a member of the military service of the United States merica to the best of my knowledge, information, aznd belief. ~ n Brett A. Solomon, Esquire Sworn and subscribed l~'efore me this _~~_ day of October, 2007. My Commission Expires: I COMMONWEALTH OF pENNSYLV~4NlA Notarial Sea! Kelly J. Mizak, Notary Public c+ly Ot Pittsbur~tt. Rateghery ~~, My Corrwr, ;sslork Expires May ~, a009 Member, Pennsylvania Association of Notaries I BANK F1N:308860-1000011-133]19 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAND M. ROCKEY, De~,fendant. TO: Rand M. Rockey 423 W. Main Street Mechanicsburg, PA 17055 DATE OF NOTICE: September 14, 2007 CIVIL DIVISION No. 2007-4900 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT' MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER. AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THF, OFFICE SET FORTH BE,7,OW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOLI CANNOT AFFORD TO MIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON 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 ERG, P.C. Brett A. Solomon, Esquire Attorney for Plaintiff, PNC Bank, National Association BANK F1N 307629-] 000011-133119 CERTIFICATE OF SERVICE I hereby certify that the foregoing Notice was served upon the Defendant, Rand M. Rockey, by depositing thereof in the United States mail, first class postage prepaid, on the 14"' day of September 2007, at the following address: Rand M. Rockey 423 W. Main Street Mechanicsburg, PA 1?055 TUCKER ARENSBER`G, P.C. ~3rett A.°Solomon, Esquire Attorney for Plaintiff, PNC Bank, National Association BANK F1N:307629-1 00001 1-1331 ] 9 ~ ~ ;~ f? ~ `r' '~ p ~k ~ S ~~ ~, ca ~,~ c s ~trn ~• ~ •~ IN THE COURT OF I.OMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL 1ASSOCIATION, ) CIVIL DIVISION P1~intiff, ) No. 2007-4900 vs. ) RAND M. ROCKEY, ) Defendant. ) NOTICE OF JUDGMENT TO: Randy M. Rockeyl 423 W. Main Stre t Mechanicsburg, P 17055 You are hereby notified th~t a Judgment in Mortgage Foreclosure was entered against you on 2007 in the amount of $27,805.68 plus continuing interest at the contract rate together with costs, late charges, arid attorneys fees. Prothonotary BANK FIN:308860-1 000011-133119 w ~^ Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2007-4900 vs. RAND M. ROCKEY, PRAECIPE TO SETTLE, DISCONTINUE AND VACATE JUDGMENT T~efendant. Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. LD. #83746 bsolomonna,tuckerlaw.com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 . . -. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAND M. ROCKEY, Defendant. CIVIL DIVISION No. 2007-4900 PRAECIPE TO SETTLE. DISCONTINUE AND VACATE JUDGMENT TO: PROTHONOTARY, CUMBERLAND COUNTY Kindly settle, discontinue and vacate the judgment in the above-captioned matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendant, Rand M. Rockey. By: Pb. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Sworn t d subscribed before me this- da of January, 2008 ~~etary b c My Commission Expires: COMMONWEALTH OF PENNSYLVANIA Nc+taria! seat KepyJ. Mixeh. !`'~~'~;Y'ublic City Of Pittsburc,f,_ ~,?iie~~rtieny County My Commission ExF,!res Mey 23, 20pg Member, Pennsylvania Association of Notaries BANK F1N:31515tr1 000011-133119 ~~g ~w 0 o~ ~~~ ~~ c~ ~ ~ z~s ~ ~ ~ ~ r Sri +~ ,ir-t ~ -:1 -'vt 'a t .. % ~ r (__ f' ~. ti ~:~ C'4:. "~"