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07-4884
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. DONALD E. DURF and ROSEMARY A. DURF, Defendants. I hereby certify that the property to be foreclosed upon is: 60 Ball Park Drive Gardners, Pennsylvania 17324 Township of Dickinson Tax Parcel No. 08-16-0210-046 Brett A. Solomon Attorney for Plaintiff CIVIL DIVISION CNIL ACTION -COMPLAINT 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 bsolomon(~,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:305276-1 000011-133244 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No, lj 7 ' 'y ~~ vs. DONALD E. DURF and ROSEMARY A. DURF, Defendants. IMPORTANT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 BANK FIN:305276-1 000011-133244 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. DONALD E. DURF and ROSEMARY A. DURF, Defendants. CIVIL DIVISION COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES PNC Bank, National Association ("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. Defendants, Donald E. Durf and Rosemary A. Durf ("Defendants"), are adult individuals whose last known address is 60 Ball Park Drive, Gardners, PA 17324. 3. On or about August 13, 2003, Donald E. Durf and Rosemary A. Durf ("Borrowers"), executed a Direct Installment Loan Disclosure and Note ("Note") whereby Borrowers promised to pay to Bank the principal amount of $103,380.85 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 August 13, 2003 ("Mortgage") given by Donald E. Durf and Rosemary A. Durf ("Mortgagors") to Bank, encumbering certain real property located at 60 Ball Park Drive, Township of Dickinson, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded on August 28, 2003 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania BANK FIN:305276-I 000011-133244 in Mortgage Book Volume 1832, Page 4063. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 5. The Borrowers are in default of the provisions of the Note for failure to make payment when due and therefore the Mortgagors are in default of the Mortgage. The Note is due from May 1, 2007 and as of July 26, 2007 was past due in the amount of $1,802.50. 6. The Mortgagors are 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 June 14, 2007, Notices were sent to Defendants 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 Notices. Said Notices further advised Defendants of Defendants' rights and obligations in accordance with the Act. Copies of the Notices are attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amount due Bank under the Note and Mortgage as of July 26, 2007 was as follows: Principal $97,131.62 Interest through July 26, 2007 (continuing thereafter at $14.6096 per diem) 146.10 Late Charges 75,72 Attorneys' Fees 1,015.00 Costs to be added TOTAL $98,368.44 10. The total amount due to Bank under the Note and Mortgage as of July 26, 2007 was Ninety-Eight Thousand Three Hundred Sixty-Eight and 44/100 Dollars ($98,368.44), plus costs and attorneys' fees. BANK FIN:305276-1 000011-!33244 WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Ninety-Eight Thousand Three Hundred Sixty-Eight and 44/100 Dollars ($98,368.44), plus continuing interest at the contract rate from July 26, 2007, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. TUC RARE R .C. By: Brett 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:305276-1 000011-133244 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. DONALD E. DURF and ROSEMARY A. DURF, Defendants. CIVIL DIVISION No, y~• y'b'~1/ AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA ) SS: COUNTY OF ALLEGHENY ) I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendants, Donald E. Durf and Rosemary A. Durf, are not members of the military service of the United States of America to the best of m~ knowledge, information, and belief. / Brett A. Solomon Attorney for PNC Bank, National Association Sworn to and subscribed before me this day of August, 2007. ~ ~ ~- r zn i My Commission Expires: ~- Notarial5eal Kelly J. Mizak, Notary Public City Of Pittsburgh, Allegheny County My Corrtmission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BANK FIN:305276-1 000011-133244 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 Attorney Relations Manager PNC Bank, National Association `lo (I~11 _ Ppe 1 of 3 aNACtI iu7a7 Direct Installment Loan Disclosure and Note Q PNCBAIVC Borrower. BOBALD E Dlglf t.+efttier: PNC 4k, NadOHel Aawthlhe Date: OBIT SJl003 tOBEAiAIIr DNBF Irene twwltl M' ^' w sot rppiaMo OHhp nerkN'®• w Ne etttiroleHt. 7-uth~n-LMdinp Disdoseaes ~AOE ~ Annapt FulaneBd wtnt of aedd The Tot11 of is Ti f Tfe tlPller tlnlormt tM emit rt a0e~ b tM Borrows p wraot t r 8onower ar8 Mow ppid ttltlr BenorHs ~ p~ ~ ~ t ores tact tho Borteww. ~~~f ~ OeN~n: ns a idk a o : 5.488 % ; 87,5YT.85 ;103.380.85 ;178,808.80 rte uonoerHre r St aaaa0lMN !w: • new an eslimeb Aars6 0l P a An Drr t io ~llr~ it Mt1in1 a ucvrilY intwat N dePeeht a ~ppe~ lerrrbr ~ w PwOotT Mhp Pwehpoi ®~~e. B M eddhhrl oeiooaal hlMr MoH BoroHis's priieiPel reddutel eoe~uirq~YeMw~aiitptieoe w tonlnr rest oNo taus thh 1bte. 1-J ew ®~ t ~.SO lat. pry ~ Nw APPBseYe, ®N a pereeM h mt all w Y whli 16 dent of itt M 1111. BenOws eq bt tbsped tle ff-ow- of t2a00 w ix N Me ted pgorHt. hoPP~ N Sonoers Pert oN eaAr, Borrows wrl rot hew h pey a peHekr. IIgiM OoPeelt Betaats®Na Appletlh^ Tlr Aesel -eYn~a. Ben des as tab iep atxerHt eHr tee)0ked deppil AaeaHrPihs N Mk leer i seared b • dweirl, temew en tlr~ wter~~ ta0et eetuHe tM rwhda of Ne her flt0ritalion of Amount Fnlonead Arroal Firenad -, 6 ern ^oewm fll AsoOu Sawn Ilroegp a Boreaa i Amount paid en Borottw's assess sp s (3- Amour rnehel ter 1,orrda to S Soo Settlauart uenrM {I Amwd ail to etfrn an Boroweft IeANf: let ro pObBs offideh f Stoterrem Ibl for aedit htrrorp Id ro See Stmhaent Steaarrtt S 111 Io hl ro 10 to Iq to s ro qro 9 Propoid FgeHp Cheryl Sp Setthnem 8 ttemitepon of Anarwt peid br Borrower u the tine ire ben it node: m a 121 S 131 M Rata: ~ Nee APPfeehh. ~' Thk hw pnefn • rorhhh coos haluw. Oiubesa oban ttr rathhh rote hose hrw boon prerided p roe prior. Tho AHwI lwtenge Rm ricer hraew M de Ptiinre Rep Pui6lrl h nr NhFSrrea.rooraHr btaerec it rep ar8 rem rHewpe mesa olpn then anp o month Tho rrio w8 net iraeop tHre ttren are tonastgo Point b eeK ee ewM ad wi pt ~~ raw ~ ~ O~eupe f•bp durirr dr teen of the tpa Tie roes wi roes inaew IeroHd tlx, AHr baeep n He role p a N p nww in the YMp mry eww tM nur8w el pprrnHere~~~t ro Yruseee, eWor: the otreren el Mt fad pHrrHera to ehrge, The facet wM tees a iiaewd a son Men 150% el th rreder PrtfHam. F« etpOtn, N retr Man wow for it0,OD0.00 s aA irilhl rep M 13 t12x, toperrle a q onthll, peraemt of i 7o.7a end Nr rNe hepmd to 14 lnx Npr 12 PgnwrtR baepel ro 15 1n% dar tfe core 12 Pel+anat. en/ tlHn rearipd th sear fa tM tow of the he0. tar wadi M rgeked ro P0T w d61arr1 pelwn of t2fi{.BB. th eHrrea of de pMtnaKt ro drryo. Th orpul of tle pafnaat set iaapr ewq iea tore. Tb foal I+Mww near b iHaewd M wn tier 160% of the rotwlw Pwmse. h eteraple, it tor. lop wen tw t1Q00a00 K p bidet orb of 13 1n%, repHpMe M 72 tnartMr Perww of t203.Sa rod Me rep frsteped p 14 112x tits 12 pfrrnoatt. betoOeM to 16 inx trlpr rho ran 12 perwnR red Herr rprited Oe rtes fin the torte of tle tort tle NNpnt reresrc writ YraOw u 1227.121K tM {8th tlrordr tie 72nd parinalt. ^ 11 BenOHefe pertidpnien h tle etpmolk Pernw Pho h itprcNsed k enr ttwo0. ire Aulatret P4ow Pip Obtarnl of le-uMOM PoMp rr8 tonitNe and mqr plea tM top p iruoeee. Arty herpes i ire wp M per h arson of tM pwHente p Messes. rR uar~gle, N rear hp wwo hr tlaaoD.DD M p hdeel less of 13 ln%, npepbh b M eeontldr Perm of 1270.76, orb qr OhwOHt prrarepl alts 12 p0raene, qM Pernem eHeun weep honor ro 1 fr th errreinda of IM term of th fdete.lThe PMwem ponds paeHU Borrows let not oYeret ro Prndnoe Cleft 1sotHnJ t] If BerrwMS Psuefrelion h tie Club s POdap Ptp b disamYHrd M rq repeti tlr Club Ditesw e1 pobrce wi tombse oM tap taop lire me ro braew. Ary ha0ep b Me rep wit pas ttr craw of tie 1erHw: ro is naip~i. For penPh. H res by wow is d1Q000.OD u to iitiel irderea rap of 13112%, reperelN b 4B mwlklt Mow o11270.74 and pr Chi DhtarM tenrbrwl etas t2 Pelweme, tlr Portrrnt eeww weW ianete a t ter na renrirrds of tle ton of iM Note. (ilr PtrrrHOrrt ewrdo plow Botows Au not eleepd p Osdep Qo6t ItaaorpJ Sp Yyooma cplten deeerHartt laonr ad64end nrfarrretien obo01 rerpepnao, /efedt, eer rquied npermHO w htl bNae th tdeBdM Mp pd pr00eYwn nfwrde otM penetpp. Crodit irrerwenw b Not IMqufnd. Borrows Mwy Carnal Cnedt lrraurana at Arty Time VVltlrorrt Parrahy. Ceeft lih IntrroHa end Cwdt Ohe1NIr heaoeee en not rnpied ro eMtie 0061, ord wi rot bt Presided most Borrows I rrpa b~ to per th 0litioael oottld. hn0renp mr M Perdesd p Me He of ono a two Berwwere. Cn6t Daobliry pry p0ehwd on air w Borrows. if obteied d0oaph loader the cpt of tk earawe for Oe spiel tom of lire aedit a stored fahw. larder wer nceioe feendu lrrefits from tie Baroanrt Padres of kwaea. 'Baroam' who a hand met not b. e Co-lister. I woq SiNh Cn6t lift hewerKe whidr rn:h t I woR Siryb Credal DittbOitr Irowara which oasts t rh wart JdM Credit lih tmaarce which costs r BaroOnr does rot desHe a's rot efipih for aedk Gt..`~jtA~, NeMoe ro Batewslsl: TM mpbnea rtarw d oawrope wish iwN Bororesld an71 reeehn h tw foM h the oedfraro a poser os tppicede Direct /Hen Note lrrda:. Th kin rs for waretian aHl tehwna. h des not filar th meainp r uoPe of aM pwepepl w teetion Th nnbert Mw h Nr Ptropnplr Harbert of the Nora. AonhruienellbouptendinPbelarce _Yj4 APOiufipef fef"r~t _. ._..... ._ 8 AwpOrrait ~... ~_ 24 AtronerC ~+ ., 2,22 Arwok ate dp_..___. 5 Berratrer'tepPorrr~itMt_, 21{,25.27,31 wirlwstnp__,_„ {,5,x7,1 ^ ass ~ - 2 ~~ 8 ~ ._..J A,20,23 Cofhetoaagaerp_______._ ~__. z22 P wwnd abt+...._r..__... 2e Cast ow .__ ~.. 222 Chit Irosw_„_...r..~_ ...._.____. 26 ~ Cw61 npatt r,,,~, _. ..,, 30 ewa~taeoeoo+o2 Dept' bthnu 4,B rm Defah 11 Defiuart 1 ~ eHhrurnart ~ 23 Dipulod debts _ 2P ~h OeN~._ i8 i'irrree shorts 4,8 Hood ioreea~ 20 Oooseil hw M Nears torsi Z7 lades 4 I 2a wopa haOaHe declo 21 kawep ottw Hrtuitr end julpsrsm 13 hrceraurett ... ~2,{,5,47,413 iris drgec 10 222 Larddt riPM b eedorw data 21 Si/rput u Paton to h iaeed for 5egle Credt Lilo tnHOaee Sipwon of Person to M iHHetl to Biopic Credit Drtebiitr laeueae `~ CMPieI Morjn ____.... r PHYnem__....~._. µ 4 ~.. MdMo lotht __.._..._......, 25 _____`_._ Prid b td dark: _„_ ._ Pernreat ePpiewion .._ __ 28 ... --..._....,.. , 9 _...__.__. Perpn Ore Dm._,,,~ ._..~......_...,~.,.~ 3 _._..._.._._..._.._.. Pernw Sehodde ._....M Pereenel tepnpntetires bored _, ~3.7 ,,_,r"" . 27 _.._.._ Propernea _._._... ~ --- _ 18 _____....~._..._ Proeiw ro pey„ _ R woof hrr00nri ~ ~"-'-"-"" ~ __„___ Belpre d eeeaRr _ N ,_, 17 ~ Renrfar nee.. ckKk araa~~~ - 14 .-- _____....:.~ i 3eCreirr iuaea ....______.. Socuhr ioaou ehrpn , ,,,,,,,18,20,23 _.___ 15 p pt la deposia __,,._ ~ ____.._. Z3 Vari eMe r _ 1,5,1 ~~ IMww---.._.....~..._.Y_ 12.15 EXHIBIT ~. Pape 2 of ~ Direct Installment Loan Disclosure and Note Borrower: DONIIID E DtdRF Lender: pNC sack, NaYwl Neeaiatba RoslEtuRr olN~ oa:•: ot113I2M3 Direst Itatslbrtent Lost Note 1. Detidtiora. la flit Nod, th wad 'Berrotrar• otaay ad rt/ ~ of thaM aIe 'IaatoaN Pw tietMy a Baroanr. ilea who rdona da toed aid lb6wea Ne The tred'ltrda' area PNC BrrR wood A:atlada a aey perea ro whom tldt Nao lac boa traalarad. 2. eorrower'e t'rordsa to Pay. To nay tlw 1oo41aawu petatita ro pry a !order i 103,3!0.!6 wilt Metoa on tM ogoil ldoso Iroro fo dMO halt o edrarrad colt pail M h1. letenet chat M peY y the rm pw arose of 5.180 %. Bansaar pnraiae a onto payeerat M aeoorderco ttiN Ne ITray adrlile stool b tbb Ilob. Ieneera proniat u pry a lasda et atMr aotau sdid rr heoare dr undr ila taro of the Noa, ~ N apteaMt Croft berrara Aoodsa, late Chaser ell Cem of Cetaalen. 6araaer +laa a mile peymara y tlr plea bdmisira w o aryawny yda0onoaa~TMa" "' a faqir araaL.tha drafts oro: 'Naitat:a d Anerrle paid M tMrtowa a ar 11~ bn Yr ae~ii„' a~Wara'M~de Settiarnt 3ttrtreey. 3. Pryrrant BkMdule. 9aroeia sprat a pay ro larrda tle rrrara due undr tlri Nolc ©M ainarrrpad nemMy payaeatt: 2JB peyaeoa oft 71212 tad a tM Ieytrrat. trldtlr tti k dtd loofa, y al r armed hyrrreyc wi b due a de tare day of rail at~aM yatip a 10101 OW ~~ P e wi aarira uyt ant arnesyt Ia w gild . ~-' "' ~~d ~N1' sarY~mtt ~ ~ aerrln throat fella, o eI ~ peprerd, elid wi Ie Y71od by da math at~rarelrkq tepdd arostt. PPReyO~VIDED. M M a tle rata dsy al cell b- dw chirp tle rremla of NOYyEY61, that a peyaryt dr cent yor. aaD~r • >bIM paymem aft pka a~c~rd:raw ad el otter Q to +diooq prier a Mr meruh o1 tb fart schduled poymaa a good shoo, You s7wl M WpYa aeatNy an Me wprd Mlaroo rd that be 4r oa tlr soot dq al north a th Ica peymenn, The dm tktl Na find poymem b tdaddod b 1Ht pageph a k duo b ale! Mahsity Dm' of tNs tab. N Berrowa shat a ruches CrefN hsaerroe ad ebctt to taxel tM Cndt bwrenp, the Psynrm Sdadub Hey dwge a detedbed in th 'Credit huarahp' paeagh. 4. Vsrfahte Aete. ®HM ~ppliubb, (] TM Irerat rye a fhb Nea ea do.N ~ m~ch~ c Y 1M beret Rea krda ('jodary. TM em wN M brood oa the Mrpit apNieabb 4eoewRt, it cry. TM hdn cry dray. has rift a Nma: tM blegbr rril roeein dr erne ier Me am of Ne Noa. TM Mang raa atMN Y Nr 'Ba+eeefe Prada ro Pry' b Ue 'sea Rye.' TAe sea Ian era atpMed br ~0 ~ Merlb h Nr ortpbr iado. and ilia adtnaelbp IM ArtonrYc PNewr Pla Diuour sills Na CI! Diaaor, it eppTipW. Mara rm a4eMeau en arrotrd M amt tlr Mafia n the carat Mla y tla tMr of Ne edjotiata awMa ro Na 6mitybro latcried Idarri, rail Naa ettltraeNrp tM Aularodt Peynay Pbn Dapatt rills th Cbb Dbpunt, R epplctbb, Tfa Mast tae a fhb ba may b ed'patel morrWy, a de fro cdendr day of each cabMr aerate ktiwbt M tM scent aha tle Trade en drsrpd. The Merpin b praatpe points 1L MMt a 0r hthat prMe tae pubtdad M Na 'bleary Rya' atria d 1)la Nlrl STaM /aanN PltiMn Rre'1 m tM bet dry a wYdr Na Prise Rm b pelkdal M tM papirq momk Tho Ida b rot roawty Nr brava rm etnlod by leader a ken, ll lb kilo tM pea a b adbbb, fordo rtes! rebel a row Mla, wNd, o ladelt talc opiioo trsea o uataaWe bob, b oesgrebb a Na brdea. Tl1 eaard Murat rm tti not inaatw a daaooa moo tlra oo parpaitapa punt M arty pbrrdor nrryQ W wtl M Menaa a tbaew more Ma rive OaoareN points durirrp tM tam of tlr ban pa to drrpa in tla Irdot. IA ehenpe cooed M • tsniretier of tlr ApeeaNc Payrrrwt Pla Obcoum a the Ckb Dbeaert b sot tubjaet ro tie iritaiaa s» forth in th prwiorrs uotarrpJ The arod Mhrat Me wit rot scud 18%. 6. Autometle Paymerst Pbn. ^ tbt Applpbia, fordo to dtdret tla peyrnerrt an fhb bon tram Borreww'e dtpotit acouat erar$er 600101/846 on oath tdrdded peynam da dot. TM Maas tae a fhb b1'a 0~260b Pacama8e Ponta 1 AularWb Payaem Pla D'spoua') sT PMmaa plea s dacontiaad for aq Herat Mchrolrrp: ld if aY Barowa decree to urmisao pa0tipaiaC ffd tie depodt etpren iderri5ed abew b flood; or kJ M thrt as not wfficiem rands n tic ecttrwn n gala rho fd rromHy peymom a titre peymem dao. 8. Club a t`acltsge Plan. ^ ~ Applicabb. peekape H brikMp eaript known es, a b e 4M' aa0~ir~e st at drb M PRQIII~ The brutes tm a fhb Moto siey kn:raeu M 0.250 percaaape pain {'pb Daonrt'-, H peniapaNa b this Package Plan a Ckb Grotp b diecomiaaad tar ~ resort, ~M~tr[rY PaYrrrertt Cttanysa. u ~ N-aea araouns veil act Menge ors dr tam of Ne bar sap a tread M tM Taytaem SeledM.' ®.The Pa!'ranta~m s may stress tlrR ari0 as decrees) d Bonewa tormnota prrlrtipetiaa h tla l,bJ Ckb a Padpe Plen ®kulanaie !!cysts Pbr- larrdr ws ab t~A1Ae~ ~ namMY paymeme tka woos M aifioeal a rtpy b foL _ ar arpeid prMppd bedrrp flat b aPactd a k 4a a W '"b ~1' O~irs d N tM tNa:Nw Wot ad ram~t of~tlr~apn p~iyae~ ~naR !rods D Cbapa b Na Mtena res. nay cave Ne orris of peynean a drape eater tb to mtr~ of w P~ a Mgt. Oro matlr bMaa yes Mepefh Dtb. k rocatay, 150%of tle IaNnrttt fe wiN irrrsw a tbol tle find pgareat to sr M stn rtes ptnioudy eebadda/ rreelNy Oaynaa. ^ t3rerges M tM Moat tm may pat ttr resaber of peyraem a amoem of th tayaams ro Traces: ih lilt tiarpe M tM ptytyrr teaaa p1, och a e doe 18 momk aha tie des ilea of tlr Hra neyNy PerwrsC sektepey tkorpet N alPkeekit wi oeca every 48 month tlareaha. Not teat Nrar {5 byt brt rat ba thin cwrorsoesseorox ~ W1t. Idra fk dMe al rail payrtwN doge. larrdr sii etlcalao tlra sea payatay rrouR. TM ppeat retuR wy inasay tut ts# toff Ieaeaa. app •w M lead Pgraa. laadr tri titrnia da rtarat of goof neMbh payarm Nat treys k tufseiar a np i l~ dr da Materily Data, t1e taprd prMdpal lalrre Uy b agaetN M M 4 s ge papraay dte>oa dyo. y Ora Mast rsa fn oNep y tla rise IM pktdelia b t•leE atotY. tralr tri aasly saaatnr of Nre trove aaarM d tlr PMraey Mid b flea. Oro ataair harsh ills Mlehaih Doh. if natstttary, tke aartla M Mlseaa rata lei bttaay a Ust 1M 1bd pysay tr1 rot M stun rtes 160% M tb prariondy edrial atMaNy prymaa, s. Cotequtktg ttrtareet, btaroa b charpl a • tldly byb. aaorip a th rm~ bdaya ttlitet a etaea a eadr M of Nr Ma taa- Tko dilly tortes dap 4 dirt aYaiar inraa rm b effort on rtes qy rids/ ly tlr oet~Yer of bait as peyaeaa i'rad~Y oy~~~aeaa shy bratre bterey b eetpiml an . edy wh fa4aaa ai trill M ba ~ ~ Maoq tad R app6cada, a Na dgat as as eirpe baatM a ebrpp i fir I~det~Maa uel' araW' Roa~toaaad°d. ~ rata laa pryserth d errs tla areal el Nra Dad paymetrt ro ebarpa. N Na Mast rya s flit Naa w daps balsas a} darpa b th Mlae laa IM 'VatieW Rah' taarirl. vent andlr W peymrre trtl roar tM reetdxa of peytapte dut tM racer afa tlre~ y the trel el ~ NyrtMan h eslpet n eAnp every {! mooted poywtN ro daps. Appsoatlon aI Payrrrartts. lortder wN apply WYnrate n Ne MtowMp silt Rlrbtc gait sutras praiene N tp, Mast. bra drops, Mat ell rhea RbriPrl Aa repo wnrah rill k aPP6od h tta aybfaNa of tehadrled paymast b IM erlr M slid flay haene b. a 10. tea Clyrpo• ^ Nat App6eabh. ®Benetwr aauns Iaa~dwN M a MMi sal' Oa1mr_d as paid br hi aitbin 16 day~i of IuA n~Ma. Tile wiidr tra ay ri1 i 1 L~No 4aa dada wi bo Ire, h~reworr~ Haan pMntta ea I~erM a Ito i aife: IM atMrhW to a hto drrp scows! w a pit wMoart a tN s0 Herat eltr Malt k Barrows, tM tagro tataartlbtp belrree a tlit Nm b Ma. Ne erre tla w W darye wit Ia brooal to any tiryb tdadld peyaam. the 11. Rettrnt Chock Fee. sarowa rtes t Sanest filar a epMe 1Mt fonder my secs a la of 120.00 tWRebrr kerdr' M 1M~~ trill a drd tlsat b nMed br Na dreane fa 'aa crater a wbkh the drak b trNtha 12. Waiver by lender. N sateara la male a malts in Ne hroa aeNar ken atnrtrnt attl laadr. hair ntipht ebtaM a recoil! Mtaeat M tie ptbttyal tMnip d 8onetar a testes 4be a can shy edrr bs apaatptr. TpM aelehy egyeasaa MI' Refill Met 1M RMdpd lwiep tettrn not edy 1hy otter lea apaarr Iq dp r aver boa apa4aeatt el sanowa trlk leelr. !stoat silts (lira o01 arty dplt a deft a teprity btamt M IM prbtdp dwMbp of ar Drta to trots Ihit Nos allay b aloofly Murat b apnd0eaty OMs ro aatre tNt Nm. 13. Interest A/qr Marurky artd Judgment. UaMa prdi6ipd by opptnbb Mw. Mara M Ne roc prarild M fhb Nm that polies a ague an tM rnPaid bebop uW peN ~ K eta eNa IMeNer h auebration a oNarwbol naturiry. esjjeYayynnN Oateaer base a 6kar b M atiat Nil self the Balv[gcy Gde ar4a previdNMfor M tbb resat tarorra la tM tmam rka. If y sy lira Mtaat a Qa Noe, amua y q~ ~ 4 ref pemittN ky kw. iaerart alaL k dM crust ad a hpleat rm eteayl by eppteabia bw. ll Na irreral rm a fhb Nye ear dape,lM starts rm white trtl apply teplainp a IM dm a bweuit b till h trdr dal k Ns imaat rm M ofhet on Nut dm a the Mena me and ~ tM'Batsaro't Rant a Pay: tdielrrr b bu. 14. Defardt. W coil i tlrit pyraR+PM1 tie tea 'Borrower' inchrda 8omwar, CaMlokae, 6uaacrt treNo, ad sy omen o1 poparty which b lastly fa Nis Note) Bofors tri M w Mad!: W it Boneaer bp'p1 cry any Nttre!N Mton a on ih dm I b da: a Ia H Banawr fait n leap tery Rama wade a Ilia Non a delarks in soy othu art ba a eperrar siNr !soda; a Irate proaie foci i tlrt ~1' +Peenrerrl a a matpape teetrkp Nis Non Prarda oat a tell raCtray aPmrrat a mortppa; ' ro the lice wvoy a traubr NW a th ProPaty'pwledea Bma trrihd d Nr nenppe a setaity isaaC a sett b b ~ ~ ~ ~~ trr'rM~ia eobtaind a owiry Merest so revere this IN H Baroear tra facile naarahle liar! a destroyed; a tpptpNoa a esy edrr raNfieNe awrr or ~tayatbn M tM credit fR too tie tlalb of Barasrr a ay an of thaq H tMra~aan tlyn ow a tM~ a ~~ RwiMs !silo with Pala iormrratiaa a MrIM ripatares a any prl R a torn rrilr prapr Mrbictbn to do to tMlt that Barotra, a eq oro of tMnt b Mtapadtaad a irergetenr a ,~~ laadr M pro/ lilt! bdiera tlra ~ RaPat e1 Barowa's peyhp Kris Non b H Sanwa b b lrht, th olio orraarinp bdara on 1Hs lbta dad M karrittely ilia, a de eppen a tlt lsbr. Ttit srtl h4Pen without erry p~ mks Io ttorrowa, or ry11 a cut etpp a eery b tepid b few. Borteayr ws abo M b IdaJt M wa drK~w~ _~ ~ ~ ~-' B0R0~e debh a they Iarotrer a tle ~ ~ P~pts a take ay aeroy a pnperty of !d if llaresyr fie • W>!sq' pabbn a it enyora fie a brekat apairat Botraser a art' baisuptep lol if Bofors seta a asdpaeat fK de hoosfa of rnditat a nalrihtbn segaor, IoM adeereerr, recehraahip, ~~a flebaien y, otlsr l~el a rpitalb precaelap an iatihred by a past Bonawa: a m MI N rM Mdpoor. to in maiegal awpe a to yyy b (Iy a writ of exotution s lewd agtina Benowr. Pape 3 of 3 Direct Installment Loan Disclosure and Note ~ PNCBANC Borrower: D8iAl0 E W RF (,:ender: PiC pet, iatiseal Aaowletba Dan: plt>I20~ ROf9AAl1Y DORF Dhsoet IttatsittneM lose Note - coniktwd If aq ossra batrbei b fll Ad. IO. lerl y W MPOMC. the Mein eutmrrfaOlalerse a the lies atal k areiaelt w wiMam eay pray aotb a Bonoesr, y d/n a ace, esoept anesyMnpdrMbkw. A Mirit tY IermwF M tfe Nob i a dehult on spry ow aces, iM or operMVi eF Byraary RtA LMdr. 16. tisnwal Weiwr P-ovisbns. Benowy wiry pweerdrMt tar patateaL demsaL pewL Mace N proteaL didarar aad N oMr apices r MatMM b tnMetties wiM tM Miary, acaptaaa, perhrmeea, Mfadl r adaeeewt of Mi Ilea. Byrewy ferMr wigs ant tw ro npin w dipnw i eeiwtiM M IMIr. 16. Delay in 6nloranwett. lsttdr t:M Mkt erdreip >aY Ada rtdr tli Naa whAwt lair! oat rlpha. LeaMr't fin a orrkroe art MSltt refer the ayes sFsl w as a e rainy et tIp riSla y praclyde th ewdw el tM1 ~ i w wont el a fehse aetsaraan N Ms tses event lMw eM alw aaasi Ik lice derv kr metleE payaaan, rd eueA ecteniat eltal cot allay the olfeatiw of iM Byroanr. wlstlrr r act the Ooraewr b Oiwa MMa of tlr trtasioa. 7 7. RsNaes or Sower Borrowers a Sours Saourky. It Nye b m fir eM Brrsssr, aecl epees a rernei bard a IW Nees, alYwM fader esey resew aey edrr iaparsr y skew w aubgNitssn aay pwparly wNdt i aeuflY w tie npgewrd M tliu Noes. Oerrewy waives d M1eMM bead M wmyslly rd bpstsrst sf wleard y aaailY• 18. Seottdty intaroot Cherias. Barrorwr eyraee a pat rN ncerderl fig, setbfaeUerr cad anusrdsaaa teM wNeh urea k dtagel The eMOee en u repay laaMr iw tfs taa paY a ptik sfRdeh a ptoneL amieae. y view My awhY ibrep yMa i tk warhy araertrart y menPaBe. 18. Propaytseatt. fbmwy may prepay, i N y i pert, Ms ereewt ewM M iM Noes a any for eithaa penalty. N fknoay prepeye dr iM i pert. Oerrswr grew a eMtims a meta repwlt selnMied pstnwns tnrli d reaaas w easy Min Noa an pail 20. H lender Obtairw a Baayky Nrtsrost W 8aars 8orrvevsr'• Payrtwnt of thk Notes, Borrower Mekss 1M FoNowYq AdrAtioswl Promises to lwredsr: W N ieraraa i wpisd h e nwtoaBe array aearhy ep~~ ~1 nn tapetrwtn sf tNe Nees Mdla N hood lnsMM i rorNbM bt tobral iw. OOOI1011EO MAY OOTAW THE 1118URANCE FROM ANYONE OF OOIIRONER'S CHOICE >~ r lendefe rMerrhle apprewl. tf Reed iwrywa n ragrintt Garvey ha IoM eepywiy rolifed. Ste praperq bMrMa mist aoeer ka of y Mmpe a tk wpad ed mat k i M Mlelal wNkkp a protect Lartdy't iaenpi; 1i01 inrallp Wert k of Me fyp ed b th M1Mt rgrire/IY town bw: Ild Berawy apses a pnriM lardy aridara of rgeiod iarraw. AS pdrda reap naM lardy a e iw peYeegeeund /„Y cad aert PnoMo W N Irw1 10 Mrs aofuw nova a laady of retkretlM b awrap or crraepiq Id N Oerrssry fep a wP i lya Ms rearlN iwweea Myer less a paeiM eoidrra st fuel serrates ro laow, laaw may rodh Borroesy tla Dyrowr atrdd PedMw dye npbN banana p BartoeFr'e aspMw. N Germany last a prelaw tk irsraras wiWn Ik tta stmd i tlr Wrier array laic b preside eoiderraa of sre6 btrerce to lards, taaM mM prrrdrew 1werMa a paatt LsnMr's intwwl a des estMt pymhad IY applk.tlle kw, od Wqe Borroaw dr act p th prMirrn end aey e1Fsr Mapc taely roan b punMalap th Yrraaw. TIIE OfSURANCE lf]OEII PIIRCNASES 1RU OE SI6INRCANTLY MORE EXPENSIVE AND NAY PROVUIE LfS3 COVERAGE 1lIAN INSURANCE OORIIOYftdt COUID PURI7IASE O111ERwISE. lipae Marid Oerrowy paabec a NI' lady Mre am of isrenw purcleeed ed oMa arorKs irarred by LMda. Bonotrer spew that larrder mry, R pamhad by appfaW kw, add tlr tat of Ms irnyarree a Mr awerata M wlidt btaat n ahrpsd r tle ray proaidod i Mn Nob. k antes stiles, tM rsquiro/ beyaas mot k abteiwd taoedr a iaand larree epaey effieled wrtl lertdy. TM epary d ramp a IM br preddee tls reNted bwMCa b eMhiort M afNba rMy b recpamii for Barr y d of de Mdaftip hyena rhks and urea reaip aapeaeMar M awMnp aeb rkdis If eddilioael ilamtin i rap'ved ancyM' q mwMU y er afRiea arrsrMrns. tdoro apep CMtrdnd Cecaarr Ateitasa. 2730 LUeRy Awes, Rttslr/t PA 75222 Idl a pet d reeve w M 11r aptyel. it Bonosrm bw net pay tk tans. LMdy Aar tk option b pt' tb taws. Upon Iamertd. Barway prMisa prampMy a repay a fernier cry ereoreo Pb by LMMr For tans; kl U larretr pile a arrhy beyest i stock a securities. dr vale d tlw alasrel urea kcaw irrafBeYnt a prefect tsnw. N thm bglperr, Ooneem epees to Iriey a larder addtirrd eolmed wlisl lardy 6eBsea wi k ersrrplr ro proaet traly; IO b afbw laeebr tk ridtt a irpect tk edyed m My roeweeYe time, err ro assures ds wleeyrf i prod eorr61ia ad repeb; nnMatls war Md tar aapad; Iq N Mahn en edereed h lardy urdy the Nea br inane Myer iaaeata. fader met, r in aptia0. R parrnitad IY eplfeali kw, add tk amsMts w etwmad n tk onlpMiq bdaae end repine tepsyrrrp will iperesl Ir isoaM tlw basineat paysass a tlnt tk atapartdirrp priacipnf bebatca i npeid i id i aktredt stleai irstsensnu M the w Ma mated b tM peyrwxt edrleN: end IN flerteerr's predsa meM ad lerrda's riphb at ferM i tln actiea sld nil i t~el eiitlr srry ~udprwa i onl' spat action and shd appiy aura d MsMts owed m laid 21. lartdsr Msy Sign Borrower's Nartw to Instrencs CMdrs. Baroery nines lydu dr ripM cad power a sNn Barroawfs rrrr a cry dace r Orate ham M iyaarre ampeoy. Thkt i Ilrited to a alnak a draft i pslrwm 01 nWaed pnniurC /ewfits uNr uadt b1e irsrrrtca a rndt dca6ity israas. and drys asM Mdy plydal OMrge iearra:e ed Ibd isereaa arsty preperry wlkh i wnritr t« thq sent Borrowr Ives wt hew tM FiFb to Md area tlm Berraey wi net, reeek tln powy sf ready a raeko Baraanfc rawsMra. lorrw sat awrwe Ms pawn for lerrda's berrBt Md rw to Baroerefs benfiL e:apl a ethenria prarided IY bw. 22. Coots of Coisetion. N lartdy files sit y takc attiM to aBeet tIk hM y prebct r wlayal R tlr LrrMri teCliltl deem i i4 Oyrwwr apwa a Pal lMder'c was aed espewee a b se, N lyrMr k penNtted by epfe+bM iw a n5w Byreesr r peY Clow aces. Uaiaa aslr apiM i tekM i Oli0. thi sIW idea reaprYs aarwK iwt Md ssparoa a the mastnM rreuM perrNtad by appdeells bw. 23. 9sorrky isteareses (n Dspoafts. The IarMy mM aeaetf enY arnotaa w and ertpid ealy Mi iw mist aq sf Bateware nsney M Mpaeil with LMIy. Tle ~~w ter! nMt tarsal s nsy y nary b qs hrprre k MpseltN whA latMr by Oarrwrr r with oat aMpecilr, ltohtiq Bertewr'c tpeew. Thi ako iueldes eat pnprtt, redlt. eerseid~ y aasy of MM Berrserer, adieA essay m ant ties k Mural a y i M poaeaiee of tlr Lsrtdy. TAit aay b Mrr wither rM pray rrda p Orrery. 24. Aeaiptnwrrt. Oonowy met ao1 aadpt y otlsrwiw treater lis ri,hK tardy tlM Nay a antaae ebe. taadr stay taL traaar, y asyn Mn Nees. and qatv;ty epeenry Mdhr errepp jwe a aan thks Ian. eM Oortownr•sr~ijbs Md olippiere rtMr M'n Npe wi certMrete unehrtled, 25. MrdUpls Parties. If 11sn i t-sn MM ys prrowy, eah gees a k ncpateli a lanir, fa3rlisiY ad aMw, err patmMt b hAl el tlit loan. Byraaan epM Met pstnwt el d y prl of tls proaeM of flit Noes a any Barony y a eaysw efw r tk Nation of esy 8orroery wi k tk etpioalMt N peyraep ro aah Oeneoy od M tk IwU of d Oareenn. 26. Cason Msaurarta. N Bortowy ha eiead to pudraw uedt iaronos, Byroery ~/ terara Met ieraree r aq the whhoul psrhy. In tb cart N amlpbt Mte peps rsetant tlsvwt i Ik 'Patnwa SdwAM• wi not dacnera; -plr, ee bM tai k pe4 aN aye tleictlt' lira urea of Me payrasp win k tfesetN a -etnnp a1 pn pritipd Ielrtce N tls IoM. 27. Hells end Psnonal RsproesrKatiws Oound. Tk proalwrs of tlis qn Byasnr. bl~ ~ Mu fkneanr, and Nr tease sad parwnel apeeanppa et 28. Govsmirte law and Constnsodon. Thn Non ha IeM ocsopad by tardy b Pyasykri ad d ban eAal k aweYd by leala a Oonoenr i ~w ywwriweu ~O'rwwy'e asidae:e y the ploy n which nillrq a iterat tbrget ad feet dtd k pyrnN by ad aatnsd i etarMree wigr feMd kw eel a meM epptrable by ledyel law, PersylrMle law. Ualas end e~orrprtsd~ awww ~ Ile kww of ParwyMMac' proeeMr nwMan r~ilet~ip be Ms Mlataeam M w alSpadoM eridaeal by tk Noes ad ashen rakted a tk ~~ tk besador~ rwsrtusa wlnr~i ythMnn~nl, ~ Ihio Nme. N My. prentbq r perbeMw OMMUN~ Y BORROWER TO~LENtDFA CONCfERIV NG DISPUTED DEBTS, INCLUDING AN INSTRUMENT TENDERED A8 RJII SAT78FACTION OF THE LOAN. SHOULD BE S13~tT TO CB~ttAAl12I~ CUSTOMER ASSISTANCE. 2730 LIBERTY AVENUE, PITfEBURGH, PA 16222. O AIN REPORTS ON BORROWER FROM TO TIME AT IBVDE3t'S DISCRETION WHILE BOFgiOWER HAS A LOAN OUTSTANDING WITH LENDER. 37. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETELY FR1FD-W COPY OF THIS NOTE AND DISCLOO~URE. BY BKiNIN(i BB.OW, BORROWEA At3REE8 TO BE LEGALLY BOUND BY ALL THE TERMS ANO CONDITIONS OF THIS NOTE. Each of tk Benewvs prrMUa dot th apwe el any Borrower n peeiw. Barowsr's Sipretres DONALD E DURF ~- Dme ..we n U .(J IA a~13-o3 OmrowafsSgnwuO ROSEMARY DU pure 32. CO-MAKERS SEE NOTICE TO CO-SIGNER BELOW. Any Byrowr ede n dpipand a rI Coddabr apes to k cqudly nsporreibla wRh err mhu Seaways to dr psymm of tM lean eei pr}arrwnse of d promises i ttrif Kota Co~MMwr•s Siprysn - Dms Co~Mskefs 5gnehn _ _ nr. N071CS TO C0.SEGlYER ^ You are bebte naked to guarasuae thk debt. TTbist carefuly before you do. It the Batrowv doese't pay the debt, you w[II have to. Be erase yet m atrord to pay if yeses have to, and that ass went ao accept thie reapoarib8ky. Yos aril bare to pay up to the full amount of tMe debt K the Borrower dryer not pay. Yon may ako have to pay late tea or eollextbn coots, w6ieh increase this tamourt. TLe I.esda can coked fhb debt from you within first tryiq b oollxt tram the Borrower. 7be lender can the the same coilectlon methods aplrot you that can be used a®risa Ilse daetwwer, arch as arire8 you, ale. U this debt k ever In default, rhea tad ssay become a part ofyowrcredk second. rFp4et0aea60701 Mortgage IClosed-End) TH{S MORTGAGE is made on OW13f2003 Tb Mortgagor is DONALD E ANO ROSEMARY A DURF. If these is aqn than one, the word "Mortgagor" hnie avian to each aM a1 of them Th Mortgapes is PNC Bank, NeYrenal Asaoeiadon. The wad "Borrower' means DONALD E DflllF , ROItM1ARY DLN1F . H thra is more thou orro, th word "Barowor' hnb refers to each sad a9 of them. OF IYACS 1 9833157 PNCBANC Bortewa owes Mortgages the sum of One Httndnd Tine Tkart:and Tkrte Notwrtd Efgity Dallas And Eightyfive Calla IUS. i 103.3/0.15 1. This debt is evidenud by Bonotwf s written a6igtdon Iroferred u hmia as fire 'Note'I, dated OIf 13)2003 . Tbia Mortgage escaea to Mortpages: {p th repetyrrrent of the deln evidnroad h dre Neu, with irNaaat and other clrnges u provided there'rrc fb1 th payment of all other sorts, with inunat Merton, edrarud Mraeder fa tbt oeyrnsrn of taxaa, eseessfrrartr, rrtaarrarrarrca clgr arsamu Mortgage; Id Me ppeayynrant of d of Mortgapes'a costs d eolMetbrr, indudnp ustt el Grit and„ 'rf l ~ sets ~~ to ~°~ ~ :.arity of tfis ectiort is talrar to cdact th wrtn owing a to protect tie security of this ~~~~ ~, naaoaal>te attaesys' fees and exposws, ii sun is fded a other irrd~udnea, innrat, charge:, costs all ~~ ~ f of arty nfinanarq, wbstitution, extension, modrfiation, ardfor nnewtl of any of said repeyarent of th debt evidenced b ~; ~ dre performvea of Mortgapora ardla Bortowar'a urrarams and preemeMS under this Mortgage and the Notr, all IR the y any rlob a apnwwrt which wee nfirWrrced Ibryy the Note, to th exunt that such debt is owed to Mortgapet and ins not been paid. For ibis Dr+Rose. Matgipor does hrtblr matgepe, grtrrt and convey to Mortgapa tke talowiy desai6ed property, together with aN improvarrrru: now a hereaha aected, and a4 eaterrrenta, sand apprrttnaras thereon, loafed er and krown as: BO BAIL PART( DR IARDNERt PA 113248982 gIMBERl.ANO tleeer~ttg Dab ggg~lg~ Deed Book Nrambar ~ 202 hga Naa6er 655 Tex hreel Nanrber OB•1i-0210-04/ TM word'Property" herein shah mean a1 of th faegokrg mortgaged property. To hew end u hold the Property unto the fdlortgages, its wcua:ors and assigns, leaver. Provided, however, Mat if Mortgagor andfa Borrower sfaA pay to Mortgagee the said debt, atteresL acrd a9 other am end perform N eowrartu end agresnrpru seared hueby,then tlds Matpepe recd th estate conveyed by it shah tamirnte end become void. Warraaq of Title. Matgpor warrants end reprtaarta to Mortgages thtt: Ird 1~ortgepa is th sots owner of the Property, end ba the right to mortgspe and amvey th P ~~t~Pnperty k onenerrrnbend except fa enerniirenea row recorded; ell k) Mortgagor wN defend the title to th PropMy egahrst aN elaxns end deromds exupt CovMaeta. trot promises end apnea a toAows; gel Matppeaggaa~mainpb the Property in good order end ropeir, Ib) Mortgages wB amply with el tars napectirpl the ewnerslrp endlor ese of the Property; (c- If the Property is part of a caetderradum a planted unit devebpmern. Mat wry car~ply with el by-1ews, nluletbra and restrictiorra of rooord; Irq Mortgagor w91 pay ardoro- perlorrn au ob6 scions under any mortgage, iert, or:,ariry apnanwrrt which kes odty over qrs MertgagK lei Moftgepm wiA pay a cewe to he paid ad teuces and othr chaerrppaes assessed a Nvied on the Prop~rry edretr due tad, upon Mortgages': ragesat, wiN dealer to the Mort flopee reagta shwiag the poymart of such drapes; IR Wh9a any pert of the debt: soared this Mort tamest unpaid, Mortgtrga proniuas u obtain and keep in face ktprranu and. if regrr'red by federal law, fkrod irtaunace on th ~ tfage of or drrrrage to th Property ad moat ba in an antoutt u ~rtY• Th property irtsorarra must cover bu ~es to R~ poteet.Mtrtgagae'a irderest>r Rood awranu must bo of the typo all in the arrrourtt raqu'red by federrd lave. rotia to ~4~ evident of retptind inwrara. AN pobciea runt acme Mortgagee n e bsa ptlyttlsecurod party and must proridr fa at least 10 data written Mortppes of ndtutioa rn oownge a calcelatiar. Mortgagor 4Met A~ortg~ th rfgln orb power to arga Mortgega's nacre on ary cheek a dreg hem an iasuarxc corttptery and to apply the money to any debt sewed by thn Mort~agl Ths is timiud to ehcks sad drehs in peymem of a cfe'on undo en inwrence paGcy for bu a denrege to the Property a for rotumad a rbatad prerraerts on poicies utsurkq th pnparty, Matga4or daze trot have th right to, and agrees that Mortgagor will rot, revoke the pourer of Mortgagee to nuke Mongager's errdorsoararrrt.. Mortgpa may axatdse dre fa Iltortpepa s berrefn and not for Mortgpor'a bcrrefiG sxcept a otharvvise pnvidM by law; lq- If Mortga~r fags to kap a feu the ngrnd btaaarta andla faih to twdatct of torch itesraaq to lgortgagea, Mortgagee may rotNy Mortgagor Mat Mortgages slnrdd purchase the regtraed iruaarra a< Mortgagor': axpaaes. If Mortgpor f to prrdtaae th irurnnu within th time stated b th notice adfa fails to provide tridona of such irtsorana to Mortgapee, Mortgagn mry prrrehase marrarrca to protect M~pepee's aMtrest, to the extent penidttod by~QpUcabk lave, and drape Iblortgpor the ass of th and any other arroums Mat epee areas in pacbgmg the insrrerrce. THE INSURANCE MORTGAGEE PURCHASES Will eE SIGNIFICANTLY MORE EXPENSIVE AND MAY PR VIDE LESS COVERAGE tHAN INSUR~NCE MORTGAGOR COULD PURCHASE OTHERWISE. Mertgapea may receive reasonable eompenaetion for th servkes which Mortgages provides in obtaining any nor e a t~ fa ro j ~~a' blhaH. In urtaar stets, dre tequ'red insaeaa may ba obtairo0 through a licensed auxrrwru apeacy affdiated wrath Mortgagee. This agency will proridng roqured irtwnrtu. In addnioa an ero may ba ntPorui6te fa some a all of tM such ri:lu. If Mortgages tags to rform any other dirty a off' required by thaw Cavenan:, a rnw~ asks end may receive comparsatron fa assuring protect th Property andlor its right: in the Property order the Nlo Mort Mort ~' ~~ advance wch surer as rt dams necessary ro rtWP• OMar agrees to ropey Mortgrgee any amounts advarrad in accordarra wits this Raragaph, with imagist thereon, upon demand; Ifd Any httsrest tt!YabN to Matgapa afar • polmerK rs erturad a on a rtiorrel sums adraneN shag be rrt th rm provided for in the Note: Q Matgaga may make nasanelde entries upon and insptctrorrs of th Property aha givng Mortg or prior notice of any web ' on; Mortpalpr wig rot es0. transfer ownership ice, a enter uao an instapraent sak eontraet for Me sak of a1 a arty pat of th Property; end fk) The promises, egreenergs end m t~s Mortgope shall be and baafit the Property a this Mortpgo is tnraferrad. If iron than err Mortpego siprrs the tiAortpoge, eseh and a0~them era hood individually t~peM~er The are.'-ams~madeo in phis section end Matgages's remedies set forts bobw shad not merge with arty judgment emend m any Iega1 action end shaA apply tmt8 all amounts overall en paid in tug. Oeftult. Mortgagor wN be in defauh order this Mortgap: (al 'rf thre is a default ardor the Notes; Ibl if Mortgagor breaks any promise made in this Mortgage; Id H any Mortgagor dross Idl if any otira credits tries to take the Preperry by MOaI proses:; (e) ii ary Mortpaga files baikngtcy a if( anyone fie: an irnoluntery bonkruptcy against arrlr MatOapa; (f) if any tax lien a ktvy is fled or rrtMe against arty Mortgagor a the Property; {gl if any Mortgagor Aes made any false statemern in this Mortgage; a (h1 II the Property rs destroyed or seized a urrdamned by faderei, state a local 4olrernaent. Mertga8ae's Remedies. Unkas proh3rted bylaw, 'rf Mortgage is in detauh ruder ties Mortgage, Mortgagee may, at its option, after rofxn required by law, ii arty, declare dues and payabb the tntiro tmpeid bohrrea of the stns which an eseund by firs Mortpagt and o~vep agora ibe Note. It Mortgagee nay cola poasosaron of th Property, colect arty ad ad rents, apply acrd rents u the irdebtednesa secued ~Mis eMon w h~a ~ emus balar>ce due and payable, uporl des Mortgage a permitted a provided by low ro tx-9ect tlN balarra owin If a ~' q+9s. foreclose the Menges , a take other action Mort ekes pp.. ~~ foracbsun oction or eey other actor en Mies Mort pQogee any action to protect or erdorce its brterest in any cast, irrctud':p Baafuaptry Court, Mortgagor agrees to pay to Mortgegee erg ardtrderg, if pamimd by Law, nasonahle attaesya' fess to tln muimum extern permitted by law. EXHIBIT RamaMas Cuntalativa. If any cirerxrutara amts which would permit Mortgagee to aaekrm the balartce, Mortgagee may take such circratratanu wtimus to exist. Mortgages's nmedns taller this Mortgape shell bo andatire and not ahernative. Delay in Eaforaanrst. Mortgagee can delay ~ ertiordnp arty of rtes rights order this Mortgage a th Note without being that right. Arty of the Mortgage or the Note wN not M a waives of the snare a any other provaan on any other oeeasron. Ad/teaatt. Mortgages may sell, transbr a a~ipn tkis withord Mortgt>p~s urrsam. Serarabifity. If any prorisiar of this Mortgages is irald to h~rn ' a unerdorcgbk such detenometion shaF not affect th validity or of tills Mortgage. WITNESS th s~rorrp of this Mortgage a- th dne sat forth above, intending to be lolly bead. ~rtross 1 Mortgagor PA Yfttneu abrte~r r~~ EFORM116323Aa0D Acknowta~dg~ 4nt tekan in~the STATE OF PENNSYLVANIA, COUNTY OF `'' "' 6r f l~r,~ On tfrs ~'1hy of _ ~< a~ ~_, 6efon me, ~/'~'r c Q- Ti-:.n ~ ~. , Ik undersigned offiou iwho cutifas chit is not an et~oer u direetu of PPIC Beidc, National Asaociatiorr, pusoaaly apparel ,,SQ-~/i ~ knows to me for se~rorily prorrd to be th personlsl whose ourols) is lue) wbscrtbed ro Me within instnarwrl and dyed that kefshelthey aeamd the same for the ptaposes therein cartawud. In fNitness Wltareof, I hereandu s+et my bend and effe~al snL Sipmhre ~ ` ~ _, rrtN ~0 ~4 •~ •.~ I~t 6 /.' ~ar~ ~ MY Oornnbaon E~hds MaY 1S~2007 Affidavit of Subaceibing WltnesA loo not tae if Mortgporlsl ec "~"'~`'~"s"~1e"Ai1O~'10naN°rn°` knowMdged th f~Aortgape. Atfelwit mutt fx+ lien in tmaaty when Progeny is locandf 13efon me, a notary public {who certfies that fxaJshe is rot en offices or diracler of PNC ffad:, Natiaal Assocbtian-, pereuidiy appeand , the wbcer~inq witness ro tM within Morigagt, wfa f>tinq defy sworn acardYq to law, deposes and says that hefsh was parsonagy present n the exeartion of said Mortgage, saw the within raysed Mortgagor!:) end sign as hoRiufthek act and deed end defrrer said Mortgage for the purposes therein set forth and that the name of thin deponent affixed thereto as sebsaibirq witness a of deponent's own proper handwriting. Subscrr~irp fitness Sworn to and wtacribed before me tfNS day of Notary Pufdic Certificate of Residence: I, _ ~~r(1/li r 5 ~~ T ~~„ ,~~ _ , do hereby nrtity that Mortgapee'a precise residence is Consumer Loan Geer, 2730 L~erty Areiue, Pittsburgh, PA 15222 . ate' -~ Agent for gages RELOADED 'm the STATE OF PENNSYLVANIA, COUNTY OF , on this ley o} in the Office of the Recorder of Qeeds in and fa said Comity, in Mortgage Beck Volume , p~ WITNESS my hand and the scaf of said office tM day and year aforesaid. Netoraer ~i ~ N fA t7. O N r~3m° ~ ~ $ ?~n~ ° ~-~oo Dy~o~ ~~ ~ ~ ~~ o n c N ~ iD 1 Z n ~ m 2 ~ ° ~ 3 n w d a ~ a (rQ a '~ A r~ m T .. o' ce n 0 a m a Z c 3 c a 1 PNCBANK Donald E Durf Date of this Notice: June 14, 2007 60 Ball Park Dr Gardners, PA 17324 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ,.,«..~ u.a~ U~c mon a e on our home is in default and the lender intends to information about the nature of the default is rovided in the attached a es. This Notice explains how the pro~run works a laaYllyy (~ Gl ersons with im aired hearin can call 717 780-1869 . This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA II~IPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: Donald E Durf / Rosemary Durf PROPERTY ADDRESS: 60 Ball Park Dr Gardners PA 17324 LOAN ACCT. NO:: 040-01-008109833857 ORIGINAL LENDER: PNC CURRENT LENDER/SERVICER: PNC Bank, NA EXHIBIT Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM AND HELP YOU FORECLOSURE MAKEy ".FUT>[IgE MORTGAGE PAYMENTOME FROM IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YpU ~y 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 ELIGIBII,ITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you aze 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 TAE NEXT 1301 re e ve TL' Vl1T T T1l1 17nm . ,.... _ _ _. _ _ __ 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 ~ronert}~ is located are set forth at the end of this Notice It is only necessary to schedule one face-to- face meeting. Advtse your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW TIDE OTHER TIl41E PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IDIl~'IEDLa-TELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PN C BANK AGENCY ACTION -- Available funds for emergency mortgage assistance aze very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT rin it u to date NA_ TURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 60 Ball Park Dr, Gardners, PA 17324 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following aznounts are now past due: Monthl a ents in the amounts of 712.12 for each of the months from A ri12007 throu June 2007 Other charges (explain/itemize): Late Charges for $92 11 TOTAL AMOUNT PAST DUE: 2 090.49 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 2 090.49 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Pa ents must be made either b cash cashier's check certified check or mone order made a able and sent to: PNC B NA 2730 Libert Avenue 2°d Floor Mailsto : PS-PCLC-02-N Pittsbur PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the mort a e 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 uDOn your mortgaged ~roaerty. lF THE MORTGAGE IS FORECLOSED UPON -The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY !30) DAY Deriod you will not be required to asv 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 Avenue Pittsburgh Pennsylvania 15222 B 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, ou still have the ri t to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale You may do so by Having the total amount then past due. ~1us anv late or other charees then due- reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with Shenff's Sale as specified m writing by the lender and by perfomung anv other requirements under the mort~aae. Cunng your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the Date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER• Name of Lender: PNC Bank NA Address: 2730 Liberty Avenue. 2nd Floor Mailstop• PS PCLC 02 N Pittsbursh PA 15222 Phone Number. (4121762-1618 or 1-800 878 0027 Contact Person: Came Stewart EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furynishings 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 THIItD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Very truly yours, ' Jacob Talton ' PNC Bank, National Association cc: 1°` Class U.S.1vIai1, postage prepaid CONSUMER C~O~~L~~~TiG~~S~ERVING YOUR COUNTY (see attached) Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PNCBANK Rosemary Durf 60 Ball Park Dr Gardners, PA 17324 Date of this Notice: June 14, 2007 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE ~.,...,~ ~la< «~C mor[ a e on our home is in default and the lender intends to information about the nature of the default is rovided in the attached a es. This Notice explains how the program works. - + aaaual~~. !1 Gl (Persons with impaired 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 azea. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: Roseman, Durf PROPERTY ADDRESS: 60 Ball Park Dr Gardners PA 17324 LOAN ACCT. NO.: 040-01-008109833857 ORIGINAL LENDER: CURRENT LENDER/SERVICER: Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 B PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Mrs r xum IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a tem o 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 r3n1 ne vc rG vnT T „~, ,,TAT ..,,,T . , ...._ __ ___ 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 nronertv 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 imm____ ediately 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 aze unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IlIDVIEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PNCBANK AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mnrta9op se~i~~e,.,.e ~ HOW TO CURE YOUR MORTGAGE DEFAULT Bring it uo to date) NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 60 Ball Park Dr, Gardners, PA 17324 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 ~avments in the amounts of $712 12 for each of the months from Apri12007 throu LAS 1 Other charges (explam/itemize). Late Charges for $92 11 TOTAL AMOUNT PAST DUE: 2 090.49 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 2 090.49 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 2°~ Floor Mailston PS PCLC-02 N Pittsburgh PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the mort a e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends. to instruct its attorneys to start legal action to foreclose upon your mortgaged aronerty. IF THE MORTGAGE IS ORECLOSED UPON -The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to oiv attorney fees OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other St1mS due under the ~$~The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 B 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 anv time up to one hour before the Sheriff's Sale You may do so by pavintt the total amount then east due lus an late or other char es then due reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with Shenff's Sale as specified m wntmg by the lender and by perfornung anv other requirements under the mortQa~e. Cunng your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the eazliest 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: Pr1C Bank NA Address: 2730 Libert Avenue 2nd Floor Mailsto : PS-PCLC-02-N Pittsbur PA 15222 Phone Number: !4121762-1618 or 1 800 878 0027 Contact Person: Carrie Stewart EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIltD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSTTION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUTf INSTITUTED UNDER T'HE 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, Jacob Talton PNC Bank, National Association cc: 1" Class U.S. Mail, postage prepaid CONSUMER ~~•~'i ~6?i~~I~~•A~11<iicAlfeli>i~o6~RVING YOUR COiTNTY (see attached) Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 ~ ~ v I A W~ N ~ Z a- ~ c v ~OI I J' v I n V ~ i Oj O i bNR7~ " g ~ c°n I ~° rrt~ w~'S 2 " ~ F+' ~.+ ~ ft a y i-~ I N~ D N~ w i O0 O ~ ° ~ rt m o ~ of I O O ~ 3 ~' ~ m ~ ~mi I OI O ~ v O m Q'' m a I J~ O b ~~ f ~ ~ .A I F-+ W ~A ~ ~ ~ ~ ~ 1 O~ ~ ~ NC!] N o a ~~p ~~ C I N ~] O \ ~ N UI O ~ ~ (1 ~OO ~OS' ~ ~ 3monn ~ b ~' ~ l a" 3 ~ M. rn~ 3 " 3 m ~ I N C. I N C' t m c ) ~ o, ~ (D ~(D ~ ~t '~OOC ~ ~n~az w ~s b' ~. Q ~ ( ~ =s ~ _ ; ~R ~ W g; ~ ~ ° ono ~ I aNO V' v' ~ ~n cn o i ~ ~ ~ ~ ~ " M v ? i I .~ ~. v~ ~~~> a~I o~ ~ ~ ~~ N N N~ ~ m~~.~ ~•~ lJl i lJ1 lJl 111 V'1 lJt CJ1 ll1 g tipp" ~ Q ~ ~ 4 p~ r i I ! ~1m a~$Nv ~ Q V ~ ~ d _ KIIBU~XSr I !s ~ ~ = ~ tD ~ ! a, ~-- ! I C ~ I ,~ z ~ , v n I N ~ yb ~ i s~ A ~~s m ~ ~ i ~ I ~~a s ~ ~ i i° ~ o - ~ o ~ =9 ~ n I I ~ ~Oy N ~ ~~ ~- ~~~:. J~~~~.MT.til Li Vii: I ITQ s• `77 r ( ~ 2 F _ I N N •-. ~,,,~ ~ ~,.. ^~'~~.'"SL~w. crt-?Pr:~~~y F+I N N ~ O ~ r R~'CUCF1 R; C°_f i I 3 z N N N N N N lI1 lJ~ ll1 ~ ~ ~ N iJ O O O W O O O O O ,1 ~i Cumhcri:~nd County Urban League of yie~calitan Harisburg .2I07N6ASt Har;-isburg, ?.a I7101 (717) 2~1-:925 Fa-c (71 ~ =~2=985 `fWC.~ of CW~Iis(c 301 C St Carlisle, ? ~ i i013 (71 i~ Z~:-:31 S r a.~ (71 ~ .'::948 Consur,.er Crcdit Cou:~sciing Se^~icc 2000 Lin¢lcs'•own Rd Harisburg, ? ~ 11102 (717):'::1)7 in: racial Counseling Str~cc of F;ar~lin County 3 l W 3'~ S t Wa,mcsborv, °.~ 1 i?68 (717) 70::?SS fi~ P ~ # oo r~ c~ _> <,.~ ti } j --r-+ . r . ... ri'1 '~ ~ v _ ~ . c ~ ~. - _+ c ~ ,-~ ; T7 _ ~ ~: i o W,i .~' :a3 G~ ,,,~ D SHERIFF'S RETURN - REGULAR ~CAS~ NO: 2007-04884 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NTIONAL ASSOC vs DURF DONALD E ET A CPL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE DURF DONALD E was served upon the DEFENDANT at 1153:00 HOURS, on the 24th day of August 2007 at 60 BALL PARK DRIVE GARDNERS, PA 17324 by handing to ROSEMARY DURF (WIFE) a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 9.60 Affidavit .00 Surcharge 10.00 00 91o4~n"l ~ 37.60 Sworn and Subscibed to before me this day So Answers: ~~~~ R. Thomas Kline 08/27/2007 TUCKER ARENSBERG P By: putt' Sheriff of A.D. .r+ SHERIFF'S RETURN - REGULAR ~AS~"N0: 2007-04884 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NTIONAL ASSOC VS DURF DONALD E ET A; CPL RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon DURF ROSEMARY A DEFENDANT the at 1153:00 HOURS, on the 24th day of August 2007 at 60 BALL PARK DRIVE GARDNERS, PA 17324 by handing to ~net~wrr~v r~rrn~ a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 q~p(.~61 ~-/ 16.00 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 08/27/2007 TUCKER ARENSBERG PC By: De t Sheriff of A.D. -• t ,. 1 i i 1,.,A o a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. DONALD E. DURF and ROSEMARY A. DURF, Defendants. CNIL DNISION No. 07-4884 Civil Term PRAECIPE TO SETTLE AND DISCONTINUE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. LD. #83746 bsolomo Pa,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, ) CNIL DNISION Plaintiff, ) No. 07-4884 Civil Term vs. ) DONALD E. DURF and ) ROSEMARY A. DURF, ) Defendants. ) PRAECIPE TO SETTLE AND DISCONTINUE TO: PROTHONOTARY, CUMBERLAND COUNTY Kindly settle and discontinue, the action filed in the above-captioned matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendants, Donald E. Durf and Rosemary A. Durf. TUC R SBERG .C. By: Brett A. Solomon, Esquire Pa. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Sworn to and~bscribed before me this ~_ day of September, 2007 My Commission Expires: Noi~al Seal ~'h' a ~1e~v ~ My ComtNssbn Fires May 23, 2009 Member, Pennsylvania Association of Notaries BANK FIN:307704-1 000011-133244 o o ~U~ ~..~, csa ~ ~ -;_, ~ --ti ~. ~CLL ~ ~-- ~~ ' ~ c'i ~ ~ ....f -~C r' .~ In the Court of Common Pleas of CUMBERLAND County, Pennsylvania DOMESTIC RELATIONS SECTION JEAN A. VAN NOSTRAND ) Docket Number 07-4484 CIVIL Plaintiff ) vs. ) PACSES Case Number 123109773 BRADLEY VAN NOSTRAND ) Defendant ) Other State ID Number ORDER OF COURT YOU, BRADLEY VAN NOSTRAND 903 ALLENVIEW DR, MECHANICSBURG, PA. 17055-6191-03 are ordered to appear at DOMESTIC RELATIONS HEARING RM plaintiff/defendant of DOMESTIC RELATIONS OFC, 13 N HANOVER ST, CARLISLE, PA. 17013-3014-13 before a hearing officer of the Domestic Relations Section, on the NOVEMBER 24, 2008 at s : 3 oAM for a hearing. You are further required to bring to the hearing: 1. a true copy of your most recent Federal Income Tax Return, including W-2s, as filed, 2. your pay stubs for the preceding six (6) months, 3. the Income Statement and the appropriate Expense Statement, if required, attached to this order, completed as required by Rule 1910.11 (c). 4. verification of child care expenses, and 5. proof of medical coverage which you may have, or may have available to you 6. information relating to professional licenses 7. other: Service Type M Form CM-509 Rev. 1 Worker ID 21302 "~ ''4 VAN NOSTRAND v. VAN NOSTRAND If you fail to appear for the conference/hearing or to bring the required documents, the court may issue a warrant for your arrest and/or enter an interim support order. If paternity is an issue, the court shall enter an order establishing paternity. THE APPROPRIATE COURT OFFICER MAY ENTER AN ORDER AGAINST EITHER PARTY BASED UPON THE EVIDENCE PRESENTED WITHOUT REGARD TO WHICH PARTY INITIATED THE SUPPORT ACTION. BY THE COURT: Date of Order: ~ ~..~„~..p~ JUDGE YOU HAVE THE RIGHT TO A LAWYER, WHO MAY ATTEND THE CONFERENCE-HEARING AND REPRESENT YOU. IF YOU DO NOT HAVE A LAWYER, 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. PACSES Case Number: 123109773 CUMBERLAND CO BAR ASSOCIATION 32 S BEDFORD ST CARLISLE PA 17013-3302-32 (717) 249-3166 AMERICANS WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of CUMBERLAND Caunty is required by law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact our office at: (717) 2 4 0 - 6 2 2 5 . All arrangements must be made at least 72 hours prior to any hearing or business before the court. You must attend the scheduled hearing. Service Type M Page 2 of 2 Form CM-509 Rev. Worker ID 21302 ~; -. ': N ~~. ~~ ~ ~~ -.~ In the Court of Common Pleas of CUMBERLAND County, Pennsylvania DOMESTIC RELATIONS SECTION JEAN A. VAN NOSTRAND ) Docket Number ~"/-4484 CIVIL Plaintiff ) vs. ) PACSES Case Number 123109773 BRADLEY VAN NOSTRAND ) Defendant )Other State ID Number ORDER OF COURT You, JEAN A. VAN NOSTRAND plaintiff/defendant of 2619 SHINGUS CIR, PO BOX 8, GRANTHAM, PA. 17027-0008-OS are Ordered t0 appear at DOMESTIC RELATIONS HEARING RM DOMESTIC RELATIONS OFC, 13 N HANOVER ST, CARLISLE, PA. 17013-3014-13 before a hearing officer of the Domestic Relations Section, on the NOVEMBER 24, 2008 at g:30AM for a hearing. You are further required to bring to the hearing: 1. a true copy of your most recent Federal Income Tax Return, including W-2s, as filed, 2. your pay stubs for the preceding six (6) months, 3. the Income Statement and the appropriate Expense Statement, if required, attached to this order, completed as required by Rule 1910.11 (c). 4. verification of child care expenses, and 5. proof of medical coverage which you may have, or may have available to you 6. information relating to professional licenses 7. other: Service Type M Form CM-509 Rev. 1 Worker ID 21302 •' -a. VAN NOSTRAND v. VAN NOSTRAND If you fail to appear for the conference/hearing or to bring the required documents, the court may issue a warrant for your arrest and/or enter an interim support order. If paternity is an issue, the court shall enter an order establishing paternity. THE APPROPRIATE COURT OFFICER MAY ENTER AN ORDER AGAINST EITHER PARTY BASED UPON THE EVIDENCE PRESENTED WITHOUT REGARD TO WHICH PARTY INITIATED THE SUPPORT ACTION. BY THE COURT: Date of Order: ~ ~ -~,y •. 0~ YOU HAVE THE RIGHT TO A LAWYER, WHO MAY ATTEND THE CONFERENCE-HEARING AND REPRESENT YOU. IF YOU DO NOT HAVE A LAWYER, 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. ,. JUDGE PACSES Case Number: 123109773 CUMBERLAND CO BAR ASSOCIATION 32 S BEDFORD ST CARLISLE PA 17013-3302-32 (717) 249-3166 AMERICANS WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of CUMBERLAND County is required by law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact our office at: (717) 2 4 0 - 6 2 2 5 . All arrangements must be made at least 72 hours prior to any hearing or business before the court. You must attend the scheduled hearing. Service Type M Page 2 of 2 Form CM-509 Rev. Worker ID 21302 .... ~ r- c~'~ :~ ,~ y ~~ .,