Loading...
HomeMy WebLinkAbout07-5579 Neil A. Slenker, Esquire Supreme Court LD.#: 77974 Stock and Leader Susquehanna Commerce Center - East 221 West Philadelphia Street, Suite 600 York, PA 17401-2994 Phone: 717-846-9800 Fax: 717-843-6134 Attorney for Plaintiff, The Washington Savings Bank, F.S.B. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., NO.: 2007- Oivi l T'ernt Plaintiff, V. VIRGINIA ADAMS, Action in Mortgage Foreclosure Defendant 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, 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. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado en corte. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despues de esta queja y se sirve el aviso, incorporando un aspecto escrito personalmente o y archivando en escribir con la corte sus ddefensas u objeciones a las demandas dispuestas contra usted el abogado le advierte que que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted compra la corte sin aviso adicional para cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por el demandante. Usted puede perder el dinero o la caracteristica de otra endereza importante a usted. USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO HACE QUE UN ABOGADO VAYA A O LLAME POR TELEFONO LA OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER DE USTED LA INFORMACION SOME EMPLEAR A UN ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A UN ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOME LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS DE LA OFERTA DE MAYO A LAS PERSONAS ELEGIBLES EN UN HONORARIO REDUCIDO O NINGUN HONORARIO. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant COMPLAINT NO.: 2007- S--0 1 Action in Mortgage Foreclosure AND NOW, this 2 0 day of tSIEV irv? 2007, comes the Plaintiff, The Washington Savings Bank, F.S.B., by its attorneys, the law firm of Stock and Leader, to set forth the following Complaint in Mortgage Foreclosure: 1. The Plaintiff, The Washington Savings Bank, is a corporation with a principal place of business located at 4201 Mitchellville Road, Suite 300, Bowie, Maryland 20716. 2. The Defendant, Virginia Adams, is an adult individual residing at 917 Louther Street, Carlisle, Pennsylvania 17013. 3. The Plaintiff brings this action to foreclose a Mortgage dated March 30, 2005, between Virginia Adams, as Borrower, and The Washington Savings Bank, F.S.B., as Lender, which Mortgage is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, Mortgage Book 1902, Page 4561, a copy of which Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference 4. The said Mortgage has not been assigned. 3 5. The premises subject to the Mortgage is a tract of land with improvements thereon erected situate at 432 Fairground Avenue in the Borough of Carlisle, Cumberland County, Pennsylvania, more fully described in Exhibit "B", attached hereto and incorporated herein by reference. 6. The Mortgage is in default by virtue of the failure of the Defendant to make the payments called for under the Mortgage and the Note (as the term is described in the Mortgage) on a timely basis since April 1, 2007. 7. The Defendants were sent Notices in compliance with the provisions of Act 6,41 P. S. §4103 by certified mail, return receipt requested, which was received by Virginia Rae Adams on August 11, 2007. A true and correct copy of the Notice, and the return receipt, are attached hereto, marked Exhibit "C", and are hereby made a part of and incorporated herein by reference. 8. Thirty (30) days have elapsed and Plaintiff has not received any payment from the Defendant or on the Defendant's behalf. 9. The amount due under the terms of the Mortgage is as follows: Principal balance through September 13, 2007 Interest through September 13, 2007 Late Charges through September 13, 2007 Escrow Advanced Inspection Fee Satisfaction Fee Reasonable Attorneys' Fees Total $ 32,432.56 $ 1,383.87 $ 60.55 $ 245.00 $ 105.00 $ 30.50 $ 5,000.00 $ 39,257.48 Interest will continue to accrue with respect to the aforesaid principal balance in the amount of $7.21 per diem after September 13, 2007, and late charges will continue to accrue on the 15'' of September, 2007, and on the 15th day of each month thereafter, in the amount of $12.11 per month. 4 WHEREFORE, Plaintiff demands judgment against the Defendant in the sum of $39,257.48, with interest after September 13, 2007 in the amount of $7.21 per diem, and, late charges on the 15th day of September, 2007, and the 15th day of each month thereafter, in the amount of $12.11 per month, and costs of suit. Date: 9 Zo , 2007 Respectfully submitted, STOCK AND LEADER By: Neil A. ?tenker, Esquire Supreme Court I.D.#: 77974 Attorney for Plaintiff Susquehanna Commerce Center East, Suite 600 221 West Philadelphia Street York, PA 17401-2994 Phone: (717) 846-9800 Fax: (717) 843-6134 5 14 RECORD AND RETURN TO THE WASHING'T'ON SAVINGS BANK, FSB 4201 MITCHELLVILLE ROAD, SUITE 300 04 BOWIE, MD 20716 Ci Parcel Number: [Space Above This Line For Recording Data] MORTGAGE Loan ID # 9503457br DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 3 0 th, 2005 , together with all Riders to this document. (B) "Borrower" is Virginia Adams Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, Michigan 48501-2026, tel. (888) 679-MERS. (D) "Lender" is The Washington Savings Bank, FSB . Lender is a CORPORATION organized and existing under the laws of THE UNITED STATES OF AMERICA Lender's address is 4201 Mitchellville Road, Ste. 300, Bowie, Maryland 20716 (E) "Note" means the promissory note signed by Borrower and dated March 3 0 th, 2005 The Note states that Borrower owes Lender Thirty Three Thousand and no/100- - - - - - - - - - - - - - - - - - - -- - - - - Dollars (U. S. $ 3 3, 0 0 0.0 0 ) plus interest. Borrower "has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 1st, 2010 (l) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (M "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ? Adjustable Rate Rider ? Condominium Rider ? Second Home Rider "-? Balloon Rider ? Planned Unit Development Rider Y Other(s) [specify] L414-1 1 1-4 Family Rider ? Biweekly Payment Rider Initials: A PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page I of 14 pages) PACMMI - 02222002 www.MortgageBanldngSystems.com Loan ID # 9503457br (n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers,. automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. M "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (1) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, the following described property located in the County of Cumberland [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] See attached Exhibit "A" Initials: VA PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 2 of 14 pages) PACMM2 - 02222002 www.Mortg2geB2nkingSystems.com Loan ID # 9503457br which currently has the address of 432 Fairground Avenue, [Street] Carlisle [City] Pennsylvania 17 013 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and. Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. Initials: U I't PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1101 (page 3 of 14 pages) PACMM3 - 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called Escrow Items. At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, Initials: 1 l PENNSYLVANIA-Single Family--Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 1/01 (page 4 of 14 pages) PACMM4 - 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sutras secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall Initials: L/ PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 1/01 (page 5 of 14 pages) PACMMS - 02222002 vvww.MortgageBankingSystems.com Loan ID '# 9503457br bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. f Initials: V PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 1/01 (page 6 of 14 pages) PACMM6 - 02222002 www.MortgageBankingSystems.eom Loan ID # 9503457br Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT PACMM7 - 02222002 Initials: _ U L Form 3039 1/01 (page 7 of 14 pages) www.MortgageBankingSystems.com Loan ID # 9503457br required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this. Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the Initials: U-A PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 8 of 14 pages) PACMM8 - 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sutras secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Opposing Party means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. Initials: u PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 9 of 14 pages) PACMM9 - 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Initials: ?-? PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 10 of 14 pages) PACMMA - 02222002 w-,vw.MortgageBankingSystems.com Loan ID # 9503457br Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer) that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, Initials: QA PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1101 (page 11 of 14 pages) PACMMB - 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. Initials: U A PENNSYLVANIA--Single Family--Fannie biae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 12 of 14 pages) PACMMC - 02222002 www.MortgageBankingSystems Loan ID # 9503457br 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ?I Seal Virgini Adams -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 13 of 14 pages) PACMMD 02222002 www.MortgageBankingSystems.com Loan ID # 9503457br Certificate of Residence I do certify that the precise address of the within-named mortgagee is 4201 Mitchellville Road, Ste. 300, Bowie, Maryland 20716 Witness my hand this 30th day of March, 2005 -Agent of Mortgagee t COMMONWEALTH OF PENNSYLVANIA CLVVY, County ss: On this, the 30th day of March, 2005 , before me, the undersigned officer, personally appeared Virginia Adams ]mown to me (or satisfactorily proven) to be the person(s) whose name(s) is subscribed to the within instrument and acknowledged that SHE executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: `•;~Cotarial Seal ME PUNIC Title of Officer Carlisle 8oro, Cunberiand County My Commission Expires Sept 9, 2006 Member, Pennsylvania Association Of Notaries Initials: PENNSYLVANIA-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 14 of 14 pages) PACMME - 02222002 www.MortgageBankingSystems.com LEGAL DESCRIPTION 432 FAIRGROUND AVENUE TAX # 06-20-1798-318B All that certain premises situate in the fifth ward -of the Borough of Carlisle, Cumberland County, Pennsylvania, fronting along the West side of Fairground Avenue for a distance of 15 feet, more or less, and extending Westwardly for a distance of 138 feet, more or less, with a front property line (erroneously referred to as rear property line in prior deeds) having a distance of 15 feet, more or less, with a rear property line having a distance of 13 feet, more or less; Being improved with a 2 1/2 story brick dwelling house known as 432 Fairground Avenue. Loan ID # 9503457br 1-4 FAMILY RIDER (Assignment of Rents) THIS -1-4 FAMILY RIDER is made this 30th day of March, 2005 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Note to The Washington Savings Bank, FSB (the "Lender") of the same date and covering the Property described in the Security Instrument and located at: 432 Fairground Avenue, Carlisle, Pennsylvania 17013 [Property Address] 14 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to the Property described in Security Instrument, the following items now or hereafter attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor coverings, all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the "Property." B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to or make a change in the use of the Property or its zoning classification, unless Lender has agreed in writing to the change. Borrower shall comply with all laws, ordinances, regulations and requirements of any governmental body applicable to the Property. C. SUBORDINATE LIENS. Except as permitted by federal law, Borrower shall not allow any lien inferior to the Security Instrument to be perfected against the Property without Lender's prior written permission. D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition to the other hazards for which insurance is required by Section 5. E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted. F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section 6 concerning Borrower's occupancy of the Property is deleted. G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and to execute new leases, in Lender's sole discretion. As used in this paragraph G, the word "]ease" shall mean "sublease" if the Security Instrument is on a leasehold. H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION. Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and revenues ("Rents") of the Property, regardless of to whom the Rents of the Property are payable. Borrower authorizes Lender or Lender's agents to collect the Rents, and agrees that each tenant of the Property shall pay the Rents to Lender or Lender's agents. However, Borrower shall receive the Rents until (i) Lender has given Borrower notice of default pursuant to Section 22 of the Security Instrument MULTISTATE 14 FAMILY RIDER-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 Multistate 11" Version (page 1 of 2 pages) PAIFG1 - 11242004 www.ProClose.com Loan ID # 9503457br and (ii) Lender has given notice to the tenant(s) that the Rents are to be paid to Lender or Lender's agent. This assignment of Rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security Instrument; (ii) Lender shall be entitled to collect and receive all of the Rents of the Property; (iii) Borrower agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's agents upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents collected by Lender or Lender's agents shall be applied first to the costs of taking control of and managing the Property and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees, premiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments and other charges on the Property, and then to the sums secured by the Security Instrument; (v) Lender, Lender's agents or any judicially appointed receiver shall be liable to account for only those Rents actually received; and (vi) Lender shall be entitled to have a receiver appointed to take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadequacy of the Property as security. If the Rents of the Property are not sufficient to cover the costs of taking control of and managing the Property and of collecting the Rents any funds expended by Lender for such purposes shall become indebtedness of Borrower to Lender secured by the Security Instrument pursuant to Section 9. Borrower represents and warrants that Borrower has not executed any prior assignment of the Rents and has not performed, and will not perform, any act that would prevent Lender from exercising its rights under this paragraph. Lender, or Lender's agents or a judicially appointed receiver, shall not be required to enter upon, take control of or maintain the Property before or after giving notice of default to Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do so at any time when a default occurs. Any application of Rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of Rents of the Property shall terminate when all the sums secured by the Security Instrument are paid in full. 1. CROSS-DEFAULT PROVISION. Borrower's default or breach under any note or agreement in which Lender has an interest shall be a breach under the Security Instrument and Lender may invoke any of the remedies permitted by the Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1-4 Family Rider. ' (Seal) (Seal) Virgin' a Adams -Borrower -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower MULTISTATE 14 FAMILY RIDER--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 Multistate 11" Version (page 2 of 2 pages) PAIFG2 - 11242004 www.ProClose.com Loan ID # 9503457br BALLOON NOTE (Fixed Rate) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. March 30th, 2005 Carlisle, PA [Date] [City] [State] 432 Fairground Avenue, Carlisle, Pennsylvania 17013 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U. S. $33, 000.00 (this amount is called "Principal"), plus interest, to the order of Lender. Lender is The Washington Savings Bank, FSB I will make all payments under this Note in the form of cash, check or money order. I understand that Lender may transfer this Note. Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 8.000 %. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the 1st day of each month beginning on May 1st, 2005 . I will snake these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on April 1st, 2010 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 4201 Mitchellville Road, Ste. 300, Bowie, Maryland 20716 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U. S. $ 242.15 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may snake a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. MULTISTATE BALLOON FLYED RATE NOTE-Single Family-FANNIE MAE UNIFORM INSTRUMENT Form 3260 1/01 (page 1 of 3 pages) AA1PH1- 08292001 www.MortgageBadttaySystems.com 5. LOAN CHARGES Loan ID # 9503457br If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of Fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, 1 will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument-), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that MULTISTATE BALLOON FDM RATE NOTE-Single Family-FANNIE MAE UNIFORM INSTRUMENT Form 3260 1101 (page 2 of 3 pages) AA1M - 08292001 www.MortgageBaWangSystems.com Loan ID # 9503457br I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may, invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Virgin a Adams (seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower [Sign Original Only] MULTISTATE. BALLOON FI7® RATE NOTE-Single Family-FANNIE MAE UNIFORM INSTRUMENT Form 3260 1/01 (page 3 of 3 pages) AAHW - 08292001 www.MortgageB&nkingSystems.com LEGAL DESCRIPTION 432 FAIRGROUND AVENUE TAX # 06-20-1798-3188 All that certain premises situate in the fifth ward -of the Borough of Carlisle, Cumberland County, Pennsylvania, fronting along the West side of Fairground Avenue for a distance of 15 feet, more or less, and extending Westwardly for a distance of 138 feet, more or less, with a front property line (erroneously referred to as rear property line in prior deeds) having a distance of 15 feet, more or less, with a rear property line having a distance of 13 feet, more or less; Being improved with a 2 1/2 story brick dwelling house known as 432 Fairground Avenue. ?yif C EI x Brock AND LEADER LLP D. REED ANDERSON JOHN J. SHORE WISJAM C GUMASCH, JR. W. BRUCE WALLACE MITIAEL W. KING WLUAM I HASt 9mm S. RUSSML THDWASM SHORE RONALD L. HzEaff mt JANE H. Sonesum WALM A. TI.LEY, III STEVEN M. HOVIS Joan ANDERSON L an-e PHLr H. SPARE NEL A. Smarr DAVm A. jmm,11 'ALSO ADAQrf ED IN MARYL OM Direct Dial: 717-849-4110 Email: nsienker©stockandleader.com FILE • , Sroo<=d .FA= ATTORNEYS AT LAW SUSQUEHANNA COMMERCE CENTER EAST STocK MID LEADER, 221 W. PHILADELPHIA STREET -SurrE 600 A PROPONONAL CORFcRAmoN Yom PENNsymNtA 17401-2994 HENRY B. LEADER PHONE (717) 846-9800 J. Ross McGRam FAX (717) 843-6134 BYRON H. LLECAim www.stockandleader.com CRAIG W. BREAffi ERIN J. MILLER MATmEw E. GLEN ANDREW C SPEARS NATHAN C. PLATT 7160 3901 9649 6592 8900 Sa HE. M,+?RE . MCCLEAN BTOCrc (18n-196 (1881-1962) BASLA. SHM August 6, 2007 (1910-1988) CERTIFIED MAIL, RETURN RECEIPT REQUESTED and FIRST-CLASS U.S. MAIL Virginia Adams 917 West Louther Street Carlisle, PA 17013 NOTICE OF INTENTION TO FORECLOSE THE MORTGAGE held by The Washington Savings Bank, F.S.B., (hereinafter we, us or ours) on your property located at 432 Fairground Avenue, Cumberland County, Pennsylvania, IS IN SERIOUS DEFAULT because you have not made the monthly payments for April, 2007 through August, 2007 in the amount of $1,231.16. Late charges and other charges have also accrued to this date in the amount of $48.44. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $1,279.60. You may cure this default within THIRTY (30) DAYS of the date of the receivt of this letter. by Daving to us the above amount of $1,279.60 plus any additional monthly Dayment and late charges which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Stock and Leader, Susquehanna Commerce Center - East, 221 West Philadelphia Street, Suite 600, York, Pennsylvania 17401-2994. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the monthly RMMents. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay offth e original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to start a lawsuit to foreclose on your Dronerty. If the Morte is foreclosed your property will be sold by the Sheriff to pay off the original debt. If you cure the default before legal proceedings are brought against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thi1ty (30) day period, you will not be required to pay attorney's fees. Virginia Adams August 6, 2007 Page 2 We may also sue you personally for the unpaid principal balance and all other sums due under the Mortgage. 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 an time up to one hour before the Sheriffs foreclosure sale. You may do so by payin the he total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the Mortgage. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately December 10, 2007. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (717) 846-9800. This payment must be in cash, cashier's check, certified check or money order and made payable to Stock and Leader, Attorneys for The Washington Savings, Bank, F.S.B., at the address stated above. You should realize that a Sheriffs sale will end your ownership of the property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE DEBT, OR TO BORROW MONEY FROM A LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MUST EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the Mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, STOCK lei raker Attorn for The Washington Savings Bank, F.S.B. NAS/mkr cc: Dorothy L. Mott, Esquire Gregory A. Baugher, Vice-President, The Washington Savings Bank, F.S.B. 2. Article Number 71W 3 11 9049is542 8100 If YES, 71hIW 3. Service Type CERTIFIED MAIL 4" Restricted Delivery? (Extra Fee) Elves 1. Article Addressed to: Virginia Adams 917 West Louther Street Carlisle, PA 17013 PS Form 3811, January 2005 by dittoes. from item 17 ry address below: Reference information W SB/Adams MICR )mestic Return Receipt 4 ? Apem E] Addresses ? Yes ? No d I hereby afon that the following facts are correct: I am an authorized agent of The Washington Savings Bank, F.S.B. in the foregoing action. The attached Complaint is based upon information which has been furnished to counsel and information which has been gathered by counsel in the preparation of this document. The language of the Comp.aint is that of counsel and not mine. 1 have read the Complaint and to the extent that the same is bas sd upon information which I have given to counsel, it is true and correct to the best of my knowledge, information and belief. To the extent that the content of the Complaint is that of counsel, I h2ve relied upon counsel in making this Verification. I hereby acknowledge that the averments of fa.-.t set forth in the aforesaid Complaint are made subject to the penalties of 18 Pa. C.S. 4904 relating :o unworn falsification to authorities. DATE: 't\ l 'T_ ©- 2007 zoo In THE WASHINGTON SAVINGS BANK, P.S.B. \ \_11' vy_yk? d Whittaker, Sen or Vice-President YVd 6Z:5T LOOZ/6T/60 # 0 b ? ( 0 O t t -tx cs t?trr cn rl iV G.J "? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, VIRGINIA ADAMS, V. Defendant Pl? A Ti f iPI To the Prothonotary: NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure Please substitute the enclosed original Plaintiff s Verification for the faxed Verification attached to the Complaint in Mortgage Foreclosure which was filed on September 21, 2007. Respectfully submitted, STOCK Date I- 79-61 By: A A. Slenker, Esquire D. #: 77974 Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 VERIFICATION I hereby affirm that the following facts are correct: I am an authorized agent of The Washington Savings Bank, F.S.B. in the foregoing action. The attached Complaint is based upon information which has been furnished to counsel and information which has been gathered by counsel in the preparation of this document. The language of the Complaint is that of counsel and not mine. I have read the Complaint and to the extent that the same is based upon information which I have given to counsel, it is true and correct to the best of my knowledge, information and belief. To the extent that the content of the Complaint is that of counsel, I have relied upon counsel in making this Verification. I hereby acknowledge that the averments of fact set forth in the aforesaid Complaint are made subject to the penalties of 18 Pa. C.S.4904 relating to unsworn falsification to authorities. THE WASHINGTON SAVINGS BANK, F.S.B. DATE: I- ? © 7,2007 \' w? Gerd d Whittaker, Senior Vice-President IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant CERTIFICATE OF SERVICE NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure AND NOW, this Z1141 day of 2007, I, Neil A. Slenker, Esquire, of the law firm of Stock and Leader, attorneys for Plaintiff, hereby certify that I served the within Praecipe to Substitute Verification this day by depositing the same in the United States mail, postage prepaid, in York, Pennsylvania, addressed to: Virginia Adams 917 Louther Street Carlisle, PA 17013 STOCK AND By: ell ? Date Nei lenker, Esquire erne Court I.D. #77974 Susquehanna Commerce Center East Suite 600 221 West Philadelphia Street York, PA 17401-2994 Telephone: (717) 846-9800 Fax: (717) 843-6134 CW IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant ACCEPTANCE OF SERVICE NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure I accept service of the Plaintiff's Complaint in Mortgage Foreclosure in the above matter on behalf of Defendant, Virigina Adams, and certify that I am authorized to do so. 1 ! < ( 07 By: Date Dorothy L. o , Esquire 125 State Stre t Harrisburg, PA 17101 Phone: 717-232-6650 Fax: 717-232-0477 _ Supreme Court I.D. #: '? 3 S 1 ?J SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-05579 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON SAVINGS BANK FSB VS ADAMS VIRGINIA R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT ADAMS VIRGINIA but was unable to locate Her in his bailiwick. COMPLAINT - MORT FORE , He therefore returns the the within named DEFENDANT , ADAMS VIRGINIA NOT FOUND , as to 917 W LOUTHER STREET CARLISLE, PA 17013 PER NEIGHBOR, DEFENDANT MOVED OUT IN JANUARY. Sheriff's Costs: So answers y,W--- __ .-----i Docketing 18.00 Service 9.60 Not Found 5.00 R. Thom Kline Surcharge 10.00 Sheriff of C erland County Postage .58 jo 43.18 STOCK & LEADER 10/19/2007 Sworn and Subscribed to before me this day of , A. D. z IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff, V. THE WASHINGTON SAVINGS BANK, F.S.B., NO.: 2007-5579 Civil Term VIRGINIA ADAMS, Action in Mortgage Foreclosure Defendant NOTICE OF DEFAULT TO: Virginia Adams Dorothy L. Mott, Esquire 917 West Louther Street 125 State Street Carlisle, PA 17013 Harrisburg, PA 17101 DATE OF NOTICE: November 27, 2007 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. 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 PAPER TO YOUR LAWYER AT ONCE. 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. Lawyer Referral Service of The Cumberland County Bar Association 32 S. Bedford St Carlisle, Pennsylvania 17013 Telephone No. (717) 249-3166 (800) 990-9108 Respectfully submitted, STOCK AND LEADER By: `rl'A. Slerilcer, Esquire . #: 77974 Attorney for Plaintiff(s) Susquehanna Commerce Center East Suite 600 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure CERTIFICATE OF SERVICE 4*1 AND NOW, this V day of NNtYYV btk_- , 2007, I, Neil A. Slenker, Esquire, of the law firm of Stock and Leader, attorneys for Plaintiffs hereby certify that I served the within NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT by depositing same in the United States mail, first-class, postage prepaid, in York, Pennsylvania addressed to: Virginia Adams 917 West Louther Street Carlisle, PA 17013 Dorothy L. Mott, Esquire 125 State Street Harrisburg, PA 17101 STOCK AND LEADER Y: Neil lenker, Esquire I.D. 77974 Attorney for Plaintiffs Susquehanna Commerce Center East Suite 600 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 U: WSI WASHINGTON SAVINGS BANKIAdamsWottce of Default.doc ? I i.q ,,. Neil A. Slenker, Esquire Supreme Court I.D.#: 77974 Stock and Leader Susquehanna Commerce Center- East 221 West Philadelphia Street, Suite 600 York, PA 17401-2994 Phone: 717-846-9800 Fax: 717-843-6134 Attorney for Plaintiff, The Washington Savings Bank, F.S.B. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant PRAECIPE FOR JUDGMENT NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure Enter Judgment in favor of Plaintiff, The Washington Savings Bank and against Defendant, Virginia Adams for failure to answer Plaintiff's Complaint ( X ) Assess damages as follows: Debt $ 39,257.48 Interest from September 14, 2007 to December 15, 2007 $ 663.32 Late Charges from September 14, 2007 to December 15, 2007 $ 48.44 TOTAL $ 39,969.24 ( X ) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa.R.C.P. 237 (Notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. Date: il A. Sle Esquire Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 Supreme Court I.D. No. 57997 NOW, , 2007, JUDGMENT IS ENTERED AS ABOVE. Prothoriotary / ClexkkfCivil division By: Deputy a C `? i' n ` °? {moth i J C,[j IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK F.S.B , ., NO.: 2007-5579 Civil Term Plaintiff, . V. VIRGINIA ADAMS, Action in Mortgage Foreclosu re Defendant NOTICE OF DEFAULT TO: Virginia Adams Dorothy L. Mott, Esquire 917 West Louther Street 125 State Street Carlisle, PA 17013 Harrisburg, PA 17101 DATE OF NOTICE: November 27, 2007 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. 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 PAPER TO YOUR LAWYER AT ONCE. 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. 4 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 of The Cumberland County Bar Association 32 S. Bedford St Carlisle, Pennsylvania 17013 Telephone No. (717) 249-3166 (800) 990-9108 Respectfully submitted, STOCK AND LEADE By: eil A. Sleeker, Esquire I.D. #: 77974 Attorney for Plaintiff(s) Susquehanna Commerce Center East Suite 600 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure CERTIFICATE OF SERVICE AND NOW, this Z7111' day of NDdUKOV-, 2007, I, Neil A. Slenker, Esquire, of the law firm of Stock and Leader, attorneys for Plaintiffs hereby certify that I served the within NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT by depositing same in the United States mail, first-class, postage prepaid, in York, Pennsylvania addressed to: Virginia Adams 917 West Louther Street Carlisle, PA 17013 Dorothy L. Mott, Esquire 125 State Street Harrisburg, PA 17101 STOCK AND LEADER By: Neil A. Slenker, Esquire I.D. #: 77974 Attorney for Plaintiffs Susquehanna Commerce Center East Suite 600 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 U: WSI WASHINGTON SAVINGS BANKIAdanrsWotice of Defaukdoc Cz a Qp f cc-, cn w Neil A. Slenker, Esquire Supreme Court I.D.#: 77974 Stock and Leader Susquehanna Commerce Center - East 221 West Philadelphia Street, Suite 600 York, PA 17401-2994 Phone: 717-846-9800 Fax: 717-843-6134 Attorney for Plaintiff, The Washington Savings Bank, F.S.B. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, NO.: 2007-5579 Civil Term V. VIRGINIA ADAMS, Defendant ( X) Notice is hereby given that a Judgme in the above-captioned matter has been entered against you in the amount of $39,969.24 on J 7. 2 oD?_. NOTICE OF FILING JUDGMENT (X) A copy of all documents filed with the Prothonotary in s ort of the wit judgment is enclosed. Pro onotary Ci By: If you have any questions regarding this Notice, please contact the filing party: Action in Mortgage Foreclosure Neil A. Slenker, Esquire STOCK AND LEADER Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 (717) 846-9800 (This Notice is given in accordance with Pa.R.C.P. 236) NOTICE SENT TO: Virginia Adams 917 West Louther Street Carlisle, PA 17013 Dorothy L. Mott, Esquire 125 State Street Harrisburg, PA 17101 Neil A. Slenker, Esquire Supreme Court 1.D.#: 77974 Stock and Leader Susquehanna Commerce Center - East 221 West Philadelphia Street, Suite 600 York, PA 17401-2994 Phone: 717-846-9800 Fax: 717-843-6134 Attorney for Plaintiff, The Washington Savings Bank, F.S.B. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant Commonwealth of Pennsylvania County of York I NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure Before me, a Notary Public of York County, Pennsylvania, personally appeared Neil A. Slenker, Esquire, Attorney for Plaintiff in the above entitled case, who being duly sworn or affirmed according to law deposes and says, that to the best of his knowledge, the Defendant or Respondent above named is not in the military service of the United States of America, that to the best of his knowledge that the said Defendant or Respondent is now living at 917 West Louther Street, Carlisle, Pennsylvania 17013, and is a resident of Pennsylvania. Sworn and subscribed before me this day Notary I rtto,m'A Sle nker, Esquire ey for Plaintiff, The Washington Savings Bank 47 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, NO.: 2007-5579 Civil Term V. VIRGINIA ADAMS, Action in Mortgage Foreclosure Defendant . AFFIDAVIT OF SERVICE OF NOTICE OF SHERIFF'S SALE ON LIENHOLDER PURSUANT TO PA.R.C.P. RULE 3129 Before me, the subscriber, a Notary Public in and for said Commonwealth and County, personally appeared Neil A. Slenker, Esquire, attorney for Plaintiff, who affirms that a true and correct copy of the Notice of Sheriff s Sale to all parties in interest pursuant to Pa.R.C.P. 3129, was caused to be served by United States Mail, First Class Mail, postage prepaid, on January 31, 2008, upon the following named party of interest, as shown by the attached Certificate of Mailing: The Washington Savings Bank, F.S.B. 4201 Mitchellville Road Suite 300 Bowie, Maryland 20716 Integrity Bank 3345 Market Street Camp Hill, Pennsylvania 17011 Cumberland Valley Land Clearing, Inc. 6820 Wertzville Road Enola, Pennsylvania 17025 Centric Bank, National Association 3601 Vartan Way Harrisburg, Pennsylvania 17110 Pennsylvania Housing Finance Agency PO Box 15530 211 North Front Street Harrisburg, Pennsylvania 17105-5530 Cumberland County Adult Probation Cumberland County Courthouse (NEW) 1 Courthouse Square Third Floor, Room 302 Carlisle, Pennsylvania 17013 SWORN and SUBSCRIBED to before me this '5'k day of ?W r't.-. , 2008. Notarial Seal Mary K. Ridings, Notary Public City Of York, York County My Commission Expires Oct. 15, 2010 Member, Pennsylvania Association of Notaries Orrstown Bank Seven Gables PO Box 250 Shippensburg, Pennsylvania 17257 Cumberland County Tax Claim Bureau Cumberland County Courthouse (OLD) 1 Courthouse Square Carlisle, Pennsylvania 17013 ---- 7-?az?a N A. Slenker, Esquire I.D. #77974 Attorney for Plaintiff U.S. POSTAL SERVICE CERTIFICATE OF MAILIN( O as W 0 D v ps MAYBE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT ?' . _ f c t PROVIDE FOR INSURANCE-POSTMASTER n p +?• Q O Neil A. Slenker, Esquire bq a Stock and Leader - Ge 221 W Philadelphia St, Suite E600 P _ York, PA 17401-2994 t d s N LL G une piece or oramary mau aaaressec [o: < Q?11Nn 0 0 ?` ` Cumberland Valley r•- . r Land Clearing, Inc. 6820 Wertzville Road r Enola, Pennsylvania 17025 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Neil A. Slenker, Esquire Stock and Leader 221 W Philadelphia St, Suite E60d York, PA 17401-2994 One piece of ordinary mail addressed to: Integrity Bank 3345 Market Street Camp Hill, Pennsylvania 17011 F r A o UNlTF4 m? ?. m x, At ?, yp N ??ay oZO? rn W W tiNO? o" ° Co r W) C, aN? U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT D Z C7 PROVIDE FOR INSURANCE-POSTMASTER a ? 4C a. I Neil A. Slenker, Esquire Stock and Leader ft.. R? N 221 W Philadelphia St, Suite E60 York, PA 17401-2994 \, Ys U, f C J One piece of ordinary mail addressed to: ++ s?l(1 n p .t yS\ ? Centric Bank, National Association 3601 Vartan Way Harrisburg, Pennsylvania 17110 U.S. POSTAL SERVICE CERTIFICATE OF MAILING C o 0 .A . " ?+o MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER O N r Neil A. Slenker, Esquire a cz °a Stock and Leader 221 W Philadelphia St, Suite E600,' York, PA 17401-2994 ? N t One piece of ordinary mail addressed to: J 4 Pennsylvania Housing ?s?3[iNn G Finance Agency PO Box 15530 211 North Front Street PS Harrisburg, Pennsylvania 17105-5530- U.S. POSTAL SERVICE CERTIFICATE OF MAILING C ?, o O o MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT c + PROVIDE FOR INSURANCE-POSTMASTER ?m rm Neil A. Slenker, Esquire ? z O? Stock and Leader a t& a 221 W Philadelphia St, Suite E600" ~ ,? m a York, PA 17401-2994 ,/ 1 m LL One piece of ordinary mail addressed to: Cumberland County Tax Claim Bureau Cumberland County Courthouse 1 Courthouse Square F Carlisle, Pennsylvania 17013 "._ ? ' ??NU ' ?S N O d s Ism- U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER O OD %D ID c, %D Q V ON n Neil A. Slenker, Esquire Stock and Leader s 221 W Philadelphia St, Suite E6 0*112- York PA 17401-2994 N m o , One piece of ordinary mail addressed to: ` m LL Cumberland County Adult Probation 6sd% N Cumberland County Courthouse aciNn a 1 Courthouse Square Third Floor, Room 302 F Carlisle, Pennsylvania 17013 Ps U.S. POSTAL SERVICE CERTIFICATE OF MAILING o, ? o 0 MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT d PROVIDE FOR INSURANCE-POSTMASTER Neil A. Slenker, Esquire Stock and Leader 221 W Philadelphia St, Suite E600 York, PA 17401-2994 One piece of ordinary mail addressed to: Orrstown Bank +? T u?+ ??c a M O . 44,?x i ? It c7? LL. Nir s -- ' Q?tRJn o Seven Gables PO BOX 250 Shippensburg, Pennsylvania 17257 ca ? <? 7i Z J:? l C C.:l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., NO.: 2007-5579 Civil Term Plaintiff, V. . VIRGINIA ADAMS, Action in Mortgage Foreclosure Defendant PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT) PA. R.C.P. 3101 TO 3149 TO THE PROTHONOTARY OF SAID COURT: Issue Writ of Execution in the above matter, (1) Directed to the Sheriff of Cumberland County, Pennsylvania; (2) against Defendant; (3) and index this Writ against Virginia Adams, Defendant, as to lis pendens against the real property of the Defendant as follows (specifically describe property): (4) SEE ATTACHED DESCRIPTION. AMOUNT OF JUDGMENT (AS ENTERED): $ 39,969.24 Post Judgment Interest $ 236.41 TOTAL DUE: $ 40,295.65 Date: I ???'U 0 By: >*il A. Slenker, Esquire Sup. Ct. I.D. #: 77974 Attorney for Plaintiff Susquehanna Commerce Center East Suite 600 221 W. Philadelphia Street York, PA 17401-2994 717/846-9800 (Phone) 717/843-6134 (Fax) U:\NS\WASFUNGTON SAVINGS BANK\Adams\Sheriffs SaleTraecipe for Writ of Execution - 432 Fairground Avenue.doc o .C, JUL O 8 r V I R.? 00 b O O O :s r r t c, t CFi t { SHERIFF'S SALE ON JUNE 11, 2008 2007-5579 Civil Term Tax No.: 06-20-1798-218B Virginia Adams 432 Fairground Avenue Carlisle, PA 17013 ALL THAT CERTAIN premises situation in the fifth ward of the Borough of Carlisle, Cumberland County, Pennsylvania, fronting along the west side of Fairground Avenue for a distance of 15 feet, more or less, and extending Westwardly for a distance of 138 feet, more or less, with a front property line (erroneously referred to as rear property line in prior deeds) having a distance of 15 feet, more or less, with a rear property line having a distance of 13 feet, more or less; Being improved with a 2 '/2 story brick dwelling house known as 432 Fairground Avenue. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., : NO.: 2007-5579 Civil Term Plaintiff, V. VIRGINIA ADAMS, Defendant Action in Mortgage Foreclosure NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: That the Sheriffs Sale of Real Property (real estate) will be held on June 11, 2008 in the SHERIFF'S OFFICE, CUMBERLAND COUNTY COURTHOUSE, 1 COURTHOUSE SQUARE, CARLISLE, PENNSYLVANIA 17013. THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 432 Fairground Avenue, Carlisle, Pennsylvania THE JUDGMENT under or pursuant to which your property is being sold is docketed to: 2007-5579 Civil Term The name of the owners or reputed owners of this property are: Virginia Adams A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff within thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the schedule of distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, Pennsylvania, Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 1.7013. (717) 240-6100 or 1-888-697-0371. r' THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a judgment against you. It may cause your property to be held to be sold or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUR WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of Cumberland County, Pennsylvania to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of the legal defect in the obligation or procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of Cumberland County, Pennsylvania to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriff s deed is delivered. 3. A petition or petitioners raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County, Pennsylvania at one of the Court's regularly scheduled business court sessions. The petition must be served on the attorney for the creditor at least two (2) business days before presentation to the Court and a proposed Order or Rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office, Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013 before presentation',?qhe petition tope Court. DATE: A. Slenker, Esquire I.D. No. 77974 Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 717-846-9800 U: WSI WASHINGTON SAVINGS BANKLMamslSheriffs SaleWotice of Sheriff's Sale (Posting).doc IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., NO.: 2007-5579 Civil Term Plaintiff, V. VIRGINIA ADAMS, Action in Mortgage Foreclosure Defendant AFFIDAVIT PURSUANT TO PA R.C.P. RULE 3129.1 Neil A. Slenker, Esquire, attorney for Plaintiff, The Washington Savings Bank, F.S.B. in the above action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at: 432 Fairground Avenue, Borough of Carlisle, Cumberland County, Pennsylvania 17013. 1. Name and address of Owner(s) or Reputed Owner(s): Virginia Adams 917 West Louther Street Carlisle, Pennsylvania 17013 2. Name and address of Defendant(s) in the judgment: Virginia Adams 917 West Louther Street Carlisle, Pennsylvania 17013 3. Name and last known address of everyjudgment creditor whose judgment is a record lien on the real property to be sold: The Washington Savings Bank, F.S.B. 4201 Mitchellville Road Suite 300 Bowie, Maryland 20716 Integrity Bank 3345 Market Street Camp Hill, Pennsylvania 17011 Cumberland Valley Land Clearing, Inc. 6820 Wertzville Road Enola, Pennsylvania 17025 Centric Bank, National Association 3601 Vartan Way Harrisburg, Pennsylvania 17110 Cumberland County Adult Probation Cumberland County Courthouse (NEW) 1 Courthouse Square Third Floor, Room 302 Carlisle, Pennsylvania 17013 4. Name and address of the last recorded holder of every mortgage of record: The Washington Savings Bank, F.S.B. 4201 Mitchellville Road Suite 300 Bowie, Maryland 20716 Pennsylvania Housing Finance Agency PO Box 15530 211 North Front Street Harrisburg, PA 17105-5530 Orrstown Bank Seven Gables PO Box 250 Shippensburg, Pennsylvania 17257 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: Cumberland County Tax Claim Bureau Cumberland County Courthouse (OLD) 1 Courthouse Square Carlisle, Pennsylvania 17013 6. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. §4904 relating to unsworn falsification to authorities. Date: 01'90 , 2008 . V 1;5- A. Slenker, Esquire Supreme Court ID #77974 Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 Telephone (717) 846-9800 U.•INSIWASHINGTONSAVINGSBANKIAdams ISheriifs Sale 13129 Afdavit - 4 31 Fairground Avenue.doc COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Washington Savings _ Bank is the grantee the same having been sold to said grantee on the I I day of June A.D., 2008, under and by virtue of a writ Execution issued on the 5th day of Feb, A.D., 2008, out of the Court of Common Pleas of said County as of Civil Term, 2007 Number 5579, at the suit of Washington Savings Bank against Virginia Adams is duly recorded as Instrument Number 200823819. IN TESTIMONY WHEREOF, I have hereunto set my hand arA seal of said office this /y day of ub_?z A.D. 0?O0? The Washington Savings Bank, F.S.B. vs Virginia Adams In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2007-5579 Civil Term Steve Bender, Deputy Sheriff, who being duly sworn according to law, states that on April 02, 2008 at 15 10 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Virginia Adams, by making known unto Justin Ickes, grandson of Virginia and adult in charge at 1 East Main Street, Plainfield, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Steve Bender, Deputy Sheriff, who being duly sworn according to law, states that on April 02, 2008 at 1535 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and description, in the above entitled action, upon the property of Virginia Adams located at 432 Fairground Avenue, Carlisle, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Virginia Adams by regular mail to her last known address of 1 East Main Street, Plainfield, PA 17081. This letter was mailed under the date of April 17, 2008 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on June 11, 2008 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Neil Slenker, on behalf of The Washington Savings Bank, FSB. It being the highest bid and best price received for the same, The Washington Savings Bank, FSB of 4201 Mitchellville Road, Suite 500, Bowie, MD 20716 being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $858.16. Sheriff s Costs: Docketing $30.00 Poundage 16.83 Posting Bills 15.00 Advertising 15.00 Acknowledging Deed 48.00 Auctioneer 10.00 Law Library .50 Prothonotary 2.00 Mileage 10.56 Levy 15.00 Surcharge 20.00 Law Journal 355.00 Patriot News 241.04 Share of Bills 14.73 Distribution of Proceeds 25.00 Sheriffs Deed 39.50 $ 858.16 ,/ I/,,/OS' ) W So e R. Thomas Kline, Sheriff BY, Real Estate rgeant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, V. VIRGINIA ADAMS, Defendant NO.: 2007-5579 Civil Term Action in Mortgage Foreclosure AFFIDAVIT PURSUANT TO PA R.C.P. RULE 3129.1 Neil A. Slenker, Esquire, attorney for Plaintiff, The Washington Savings Bank, F.S.B. in the above action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at: 432 Fairground Avenue, Borough of Carlisle, Cumberland County, Pennsylvania 17013. 1. Name and address of Owner(s) or Reputed Owner(s): Virginia Adams 917 West Louther Street Carlisle, Pennsylvania 17013 2. Name and address of Defendant(s) in the judgment: Virginia Adams 917 West Louther Street Carlisle, Pennsylvania 17013 3. Name and last known address of everyjudgment creditor whose judgment is a record lien on the real property to be sold: The Washington Savings Bank, F.S.B. 4201 Mitchellville Road Suite 300 Bowie, Maryland 20716 Integrity Bank 3345 Market Street Camp Hill, Pennsylvania 17011 Cumberland Valley Land Clearing, Inc. 6820 Wertzville Road Enola, Pennsylvania 17025 Centric Bank, National Association 3601 Vartan Way Harrisburg, Pennsylvania 17110 Cumberland County Adult Probation Cumberland County Courthouse (NEW) 1 Courthouse Square Third Floor, Room 302 Carlisle, Pennsylvania 17013 4. Name and address of the last recorded holder of every mortgage of record: The Washington Savings Bank, F.S.B. 4201 Mitchellville Road Suite 300 Bowie, Maryland 20716 Pennsylvania Housing Finance Agency PO Box 15530 211 North Front Street Harrisburg, PA 17105-5530 Orrstown Bank Seven Gables PO Box 250 Shippensburg, Pennsylvania 17257 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: Cumberland County Tax Claim Bureau Cumberland County Courthouse (OLD) 1 Courthouse Square Carlisle, Pennsylvania 17013 6. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. §4904 relating to unworn falsification to authorities. Date: ) 1 31'0 0 , 2008 A. Slenker, Esquire Supreme Court ID #77974 Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 Telephone (717) 846-9800 U: WSIWASHINGTON SAVINGS BANKIAdams1SheriJfs Sale U129 Affidavit - 432 Fairground Avenue. doc . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff, NO.: 2007-5579 Civil Term V. VIRGINIA ADAMS, Defendant Action in Mortgage Foreclosure NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: That the Sheriffs Sale of Real Property (real estate) will be held on June 11. 2008 in the SHERIFF'S OFFICE, CUMBERLAND COUNTY COURTHOUSE, 1 COURTHOUSE SQUARE, CARLISLE, PENNSYLVANIA 17013. THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 432 Fairground Avenue, Carlisle, Pennsylvania THE JUDGMENT under or pursuant to which your property is being sold is docketed to: 2007-5579 Civil Term The name of the owners or reputed owners of this property are: Virginia Adams A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff within thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the schedule of distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, Pennsylvania, Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013. (717) 240-6100 or 1-888-697-0371. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a judgment against you. It may cause your property to be held to be sold or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUR WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of Cumberland County, Pennsylvania to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of the legal defect in the obligation or procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of Cumberland County, Pennsylvania to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriffs deed is delivered. 3. A petition or petitioners raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County, Pennsylvania at one of the Court's regularly scheduled business court sessions. The petition must be served on the attorney for the creditor at least two (2) business days before presentation to the Court and a proposed Order or Rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office, Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013 before presentation o he petition tope Court. DATE: i A. Sle er, Esquire I.D. No. 77974 Attorney for Plaintiff Susquehanna Commerce Center East Building, 6th Floor 221 West Philadelphia Street York, PA 17401-2994 717-846-9800 U: INSI WASHINGTON SAYINGS BANMAdamsiSherlffs SaleWotice of Sheriff's Sale (Posting). doc WFD/27/FH/2998 !C:58 AM BUSINESS EMPLOYMENT FAX No, 7 7 845 5954 SHERIFF'S SALE ON JUNE 11, 2008 P. 002 2007-5579 Civil Term Tax No.: 06-20-1798-21813 Virginia Adams 432 Fairground Avenue Carlisle, PA 17013 ALL THAT CF-RTAIN premises situation in the fifth ward of the Borough of Carlisle, Cumberland County, Pennsylvania, fronting along the west side of Fairground Avenue for a distance of i5 feet, more or less, and extending Westwardly for a distance of 138 feet, more or less, with a front property line (erroneously referred to as rear property line in prior deeds) having a distance of 15 feet, more or less, with a gear property line having a distance of 13 feet, more or less; Being improved with a 2 Y2 story brick dwelling house known as 432 Fairground Avenue. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-5579 Civil CIVIL ACTION - LAW ,TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due THE WASHINGTON SAVINGS BANK, F.S.B., Plaintiff (s) From VIRGINIA ADAMS (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $39,969.24 L.L.$ 0.50 Interest -- $236.41 Atty's Comm % Due Prothy $2.00 Arty Paid $261.77 Other Costs Plaintiff Paid Date: 2/05/08 0h P othonotary (Seal) By: REQUESTING PARTY: Deputy Name NEIL A. SLENKER, ESQUIRE Address: SUSQUEHANNA COMMERCE CENTER EAST, SUITE 600 221 W. PHILADELPHIA STREET YORK, PA 17401-2994 Attorney for: PLAINTIFF Telephone: 717-846-9800 Supreme Court ID No. 77974 F177, - Real Estate Sale # 60 On March 7, 2008 the Sheriff levied upon the defendant's interest in the real property situated in the Borough of Carlisle, Cumberland County, PA Known and numbered as 432 Fairground Avenue, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 7, 2008 By: Real Estat Sergeant I S :E d q" 93j 8001 da DHS 3N! ?O 3? 3?0 r' trv?1 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA , ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: May 2, May 9, and May 16, 2008 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. 1tZAL Z/TATZ SAM 1110. 60 Writ No. 2007-5579 Civil The Washington Savings Bank, F.S.B. VS. Virginia Adams Atty.: Neil Slenker Tax No.: 06-20-1798-218B. Virginia Adams, 432 Fairground Avenue, Carlisle, PA 17013. ALL THAT CERTAIN premises situation in the fifth ward of the Borough of Carlisle, Cumberland County, Pennsylvania, fronting along the west aide of Fairground Avenue for a distance of 15 feet, more or less, and extending Westwardly for a dis- tance of 138 feet, more or less, with a front property line (erroneously referred to as rear property line in prior deeds) having a distance of 15 feet more or less, with a rear property line having a distance of 13 feet, more or less; Being improved with a 2 1/2 story brick dwelling house known as 432 Fairground Avenue. Marie SWORN TO AND SUBSCRIBED before me this 16 day of May, 2008 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commission Expires Apr 28, 2010 The Patriot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8292 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 atr iotwXew s Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 04/23/08 Real Eahb Sale 160 04/30/08 4 WrR No 2007-GM CWN Term The Washkoon Savings Bank. F.S.B. . VS Virginia Adams voi?4? Attorney: Neil Slenker .......... ......? DESCRIPTION Sworn to abefore me this 27 day ay, 2008 A.D. bscribed Tax No.: 06-20-1798-218B Vuginia Adams 432 Fairground Avenue Carlisle, PA 17013 r ALL THAT CERTAIN premises situation in the Public Notar fifth ward of the Borough of Carlisle, y Cumberland County, Pennsylvania, . fronting along the west side of Fangrmmd Avenue for a distance of 15 feet, we or less, and extending .f1MfViCiVW'?r?? r i ENNSYLVANIA Westwardly for a distance of 138 feet; more or Not,, iai Sea less, with a front property line (erroneously a Chyhe L. Sherx)aru, Notary Public referred to as rear property line in prior deeds) City Of Hai risb;; p, Dauphin County having a distance of 15 feed more or less, with a My Commission Expires May 29, 2010 ? rear property line having a distance of 13 feet, more or less; Being improved with a 2 V2 story Member, Pennsylvania Association of Notaries brick dwelling house known as 432 Fairground Avenue.