Loading...
HomeMy WebLinkAbout08-2813T UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION 577 Lamont Road Elmhurst, IL 60126 :Cumberland County Plaintiff V. Robert W. Miller, Jr. 201 Longmeadow Street : NO. dg x813 lem Mechanicsburg, PA 17055 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE 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. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 I , 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Mortgage Electronic Registration Systems, Inc. Assignments of Record to: Household Finance Consumer Discount Company Recording Date: LODGED FOR RECORDING 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant (s) , Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant(s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 201 Longmeadow Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Mechanicsburg COUNTY: Cumberland DATE EXECUTED: 2/28/03 DATE RECORDED: 3/7/03 BOOK: 1799 PAGE: 2801 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay-other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 3/17/08: Principal of debt due $94,136.66 Unpaid Interest at 11.875% from 11/4/07 to 3/17/08 (the per diem interest accruing on this debt is $30.63 and that sum should be added each day after 3/17/08) 4,135.05 Title Report 325.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Property Inspection 12.50 Property Taxes 3,377.82 Hazard Insurance 1,750.75 Attorneys Fees (anticipated and actual t % f 0 5 o principal) 4,706.83 TOTAL $108,724.61 * This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $108,724.61 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. UDREN C. BY: • Attorn s aintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE ALL, THAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechaniesburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described.as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Longmeadow Strut; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48, 169.00 feet to the Northern line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly direction along the Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BE GINNING. BEING Lot No. 49 on a Plan of Lots known as Plan No. 2 of GREEN ACRES, which plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 4, at page 3. HAVING thereon erected a single family dwelling known and numbered as 201 Longmeadow Street, Mechanicsburg, Pennsylvania. BEING the same premises which Larry M. Pentz and Dorothy V. Pentz, his wife, by Deed dated 1027/94 and recorded 11/01/94 in Cumberland County Record Book..114,:Page 351, granted and conveyed unto Craig-E. Pentz and ICfmberly Perim husband and wife, in fee. Parcel No: 20-24-0785-024 March 20, 2008 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The HOMEOWNF.ROS MORTGAGE ASSISTANCF PROGRAM (HFMAE) may he able to help to cave your home- Thig Notice pYnlain= how thg program w: r k: This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO OHOMEOWNEROS EMERGENCY MORTGAGE ASSISTANCE PROGRAMO EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EXHIBIT A Page 1 of 1 HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: _ Robert_Miller J_r_.-__ 201 Long Meadow Street _MechanicsbugPA .17055 --------- - ------- - 7071194 -- --------------- - - - De --- _cision One Mort ag e_COmany, LLC --------- _Household Financial Services, . EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE FLIGIRIX FOR FINANCIAL ASSISTANCE WHICH CAN SAVE, YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FiTTiTRR MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNEROS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE OACTO), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE _ Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a Oface-to-faceO meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MTTST OCCUR WITHIN OHaw To Ci TR F. YOUR moR TG A (:F au A T T 'T'? RTGAGE ITP TO DATE C:ONS11WR CREDIT rOUNSELING AGENCIES _ If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names., addresses and telpbon numbers of designated consumer credit counseling agencies for the rnnnt?? in bich the mmnecty is lncated are set forth at the end of this, Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender imm .di tely of your intentions. APPLICATION FOR MORTGAGF ASSISTANCE, _ your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. Page 2 of 2 r YOU MITS.T FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) NATURE OF THF, DREA1111 _ The MORTGAGE debt held by the above lender on your property located at: 201 Long Meadow Street Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Payments of $980.71 for December 4, 2007 through February 4, 2008 = $2942.13 Monthly Payments of X1162.89 for March 4 2008 = $1162.89____._.__ _Monthly-Late-Charges of -for December 4, 2007 through March 4.2008 Other charges (explain/itemize): Property Inspection=$12.50 Taxes=$3377.82 _Hazard Insurance= 1750.75 --------------------------------- ------------ TOTAL_AMOiJNT PAST _DUE......._._._._......_.................. ......................................... ?21.?4.Q2 . B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Dn nit nse if not 4rmli ahl ): WA HOW TO CURE THE. DREArrr T _ You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS S9246-09 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must he made either by each, cashiers check, certified check or mnn ,j order made V3yahle and sent to* You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (D? not nse if oat ap licable ): NIA Page 3 of 3 IF YOU DO NOT CTYRE. TH DEFAULT __ If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to x r is its rights to a 1 rate h mortgage deh _ This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to for . los . anon yonr mo gageprone IF THF. MORTGAGE IS FORECLOSM UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If yon cure the default within the THIRTY (30 DAY rind, yin will not he required to pay a urn y's, fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannot pursue this remedy. RIGHT TO CURE, THE. DF.FAi1T IT PRIOR TO SHFRYFFIS SAT E - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to t"'v'im Inc iniai awn um inen nacr one, n uc any late or otner .narges then doe, reasonable attorney's fees and costs connected with the foreclosure cal and any other costs connected with the Sheriff's gale ac _ i e in writing by the lender and by nerf?rmi g anv o h .r Lirementc under the mortgage. Curing your default III the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. F.ARLIF,ST POSSIRIN SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual 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 or action will be by contacting the lender. Name of Lender/Servicer: HSBC Address: 636 Grand Regency Blvd. _Brandon,_FL 33510---......__._._...._ ................ Phone Number: _ 1-800-36-56730 __...._...____--------------------- Fax Number: _1-813-517-8680 Contact Person: Loss Mitigation_Deparhnent__._,-.__._.__._.__,-._._. _-_............. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSTiM ON OF MORTGAGE - You may not transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 4 of 4 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 Page 5 of 5 Yn11 MAY ALSO HAVE. THE RIGHT• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4670 Urban League of Metropolitan Harrisburg N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 FAX n/a YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8326 Page 6 of 6 ¦ . J, • C U C? Cl 1 U 1 r 0 moo D LOCO zpC' M° c O m ti Co M m ?. o -- o C3 0 ru 0 m tt x 6 I i x . =00 C? m?fc? ro g C.L ELL, a Sig M ?a CA t o ?T ru o O a a co v m ?( io)e C3 m m -j cr <- ? ? ?a ru I n ' v ? 3 ?? ?? Y e . 0 V E R I F I C A T I O N The undersigned, hereby states that he/she is the attorney for the Plaintiff, a corporation unless designated otherwise; that he/she is authorized to take this verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he/she has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. UDR W 0 -?? BY: Atto s o i rlf iff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE 'LOUIS A. SIMONI, ESQUIRE 6 SHERIFF'S RETURN - REGULAR CASE NO: 2008-02813 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER DIS VS MILLER ROBERT W JR DENNIS FRY Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, was served upon says, the within COMPLAINT - MORT FORE the MILLER ROBERT W JR 2008 DEFENDANT , at 0812:00 HOURS, on the 17th day of May at 201 LONGMEADOW STREET MECHANICSBURG, PA 17055 ROBERT W MILLER JR by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.00 Affidavit .00 Surcharge 10.00 00 ?0 So Answers: R. Thomas Kline II 05/19/2008 UDREN LAW OFFICES Sworn and Subscibed to By: f before me this day De uty She?f`- of A.D. w Household Finance Consumer Discount Company, Plaintiff, COURT OF COMMON PLEAS CIVIL DIVISION VS. Cumberland County NO.: 08-2813 Civil Term Robert W. Miller, Defendant. ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE Filed on Behalf of: Defendant Counsel of Record for this Party: Brian J. Bleasdale, Esquire PA I.D. Pa. I.D. #90576 BLEASDALE LAW OFFICE 931 Chislett Street Pittsburgh, PA 15206 (412) 726-7713 Household Finance Consumer Discount Company, Plaintiff, VS. Robert W. Miller, Defendant. COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO.: 08-2813 Civil Term ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE AND NOW, comes Robert W. Miller, by and through his attorney, Brian J. Bleasdale, Esquire, and the Bleasdale Law Office, and files the following Answer To Complaint in Mortgage Foreclosure wherein the following is averred: 1. Admitted. 2. Admitted. 3. Admitted. 4. Denied. The Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the allegation that the mortgage is in default and that all payments have not been submitted, and that all sums secured by the mortgage shall be immediately due, and therefore this allegation is denied and strict proof is demanded at the time of trial. 5. Denied. The Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the allegation that the mortgage is in default and that all payments have not been submitted, and that all sums secured by the mortgage shall be immediately due, and therefore this allegation is denied and strict proof is demanded at the time of trial. 6. Denied. The Defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the allegation that the stated amounts in Plaintiff's Complaint are accurate, and therefore this allegation is denied and strict proof is demanded at the time of trial. 7. Plaintiff's corresponding paragraph is a conclusion of law to which no response is required. 8. Denied. The Defendants are without knowledge or information sufficient to form a belief as to the truth or falsity of the allegation that the cited Notice(s) were forwarded properly to Defendants, and therefore this allegation is denied and strict proof is demanded at the time of trial. WHEREFORE, the Defendant, requests that this Honorable Court dismiss the Plaintiff's Complaint. Respectfully submitted, BLEASDALE LAW OFFICE By: Brian J. Bleasdale, Esgt Counsel for Defendant VERIFICATION I, Brian J. Bleasdale, Esq., verify that the statements made in this Answer to Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This statement is made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. June 16, 2008 Date ? ? , n ?~,. -c? r-- j. UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 ATTORNEY FOR PLAINTIFF r 856-669-5400 pleadings a?,udren.com z Household Finance Consumer Discount COURT OF COMMON PLEAS Company € CIVIL DIVISION Cumberland County Plaintiff V. Robert W. Miller, Jr. NO. 08-2813 Civil Term Defendant PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Plaintiff, Household Finance Consumer Discount Company, by its Attorneys, Udren Law Offices, P.C., respectfully requests your Honorable Court to enter an Order granting Summary Judgment in the above-captioned matter for the following reasons: 1. There are no genuine issues as to any material fact, and therefore, Plaintiff (moving party) is entitled to Judgment as a matter of law. 2. Defendant Robert W. Miller, Jr. filed an Answer to the Complaint in which Defendant effectively admitted all of the allegations in the Complaint. 3. At the time of this pleading, Defendant owned the premises being foreclosed without making a mortgage payment for an excessive period of time. 4. Defendant admits outright paragraphs 1, 2, and 3 of the Complaint, thereby admitting, inter alia, that Plaintiff is the holder and owner of the subject mortgage and that Defendant is the real owner and mortgagor of the within mortgaged property. 5. Although Defendant purports to deny and/or fails to deny, in whole or in part, specifically or by necessary implication, the averments contained in paragraphs 4, 5, 6, 7, and 8 of the Complaint, in reality, said denials are improper and should be deemed as admissions for the reasons set forth in the attached Memorandum of Law. 6. The Pennsylvania pre-foreclosure Act 6 Notice is not required as the Defendant's original principal balance on the Mortgage is greater than $50,000.00. 41 P.S. Section 101, et seq. See Exhibit "A" attached hereto (Mortgage). 7. Plaintiff complied with the Pennsylvania pre-foreclosure Notice requirements of Act 6 (41 P.S. Section 101, et seq.) and Act 91 (35 P.S. Section 1680.401 c, et §N.). 8. Plaintiff has an express contractual right pursuant to the terms of the Mortgage (paragraph 22) to charge the Defendant attorney's fees as a consequence of the initiation of the within action in mortgage foreclosure. 9. In addition to the amounts due and owing as set forth in the Complaint, additional sums have accumulated since the filing of the Complaint, pursuant to the terms of the Mortgage. The total amounts due and owing, which sums can be calculated from the face of the Complaint, are as follows: Principal of debt due and unpaid $94,136.66 Interest at 11.875% from 11/4/07 to 7/18/08 (the per diem interest accruing on this debt is $30.63 and that sum should be added each day after 7/18/08) 17,249.97 Title Report 325.00 Court Costs (anticipated, excluding Sheriffs Sale costs) 280.00 Property Inspections 62.50 Broker's Price Opinion 100.00 Hazard Insurance 5,510.75 Taxes 7,185.75 Other Fees/Costs 1,394.30 Attorney's Fees (anticipated and actual to 5% of principal) 4,706.83 TOTAL $130591.76 WHEREFORE, Plaintiff respectfully requests that the Honorable Court grant its Motion for Summary Judgment, and that Judgment be entered, in rem, as prayed for in the Complaint in favor of the Plaintiff and against the Defendant, Robert W. Miller, in the amount of $134,591.76, together with ongoing per diem interest, escrow advances, and any additional recoverable costs to date of Sheriffs Sale; and for foreclosure and sale of the mortgaged property. Respectfully submitted, UDREN LAW OFFICES, P.C. BY: 12 If 17 MARK J. UDREN, E QUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings mdren.com Household Finance Consumer Discount ' COURT OF COMMON PLEAS Company CIVIL DIVISION € Cumberland County Plaintiff V. Robert W. Miller, Jr. NO. 08-2813 Civil Term Defendant PLAINTIFF'S BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT 1. STATEMENT OF FACTS Plaintiff filed the instant action in mortgage foreclosure against the Defendant for his failure to make mortgage payments pursuant to a Mortgage entered into between the parties. A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A". II. STATEMENT OF THE QUESTION INVOLVED Where there are no genuine issues as to any material fact, should Summary Judgment in Mortgage Foreclosure, as a matter of law, be granted in Plaintiffs favor where the Defendant herein is in default on his Mortgage for failure to make payments for an excessive period of time? SUGGESTED ANSWER: YES III. ARGUMENT Pursuant to Pa.R.C.P. 1035.1, et seg., "Motion for Summary Judgment", any party may move for Summary Judgment in whole or in part as a matter of law after the relevant pleadings are closed, but within such time as not to unreasonably delay the trial, whenever there is no genuine issue of any material fact as to a necessary element of the cause of action.... Pa.R.C.P. 1035.2. The relevant pleadings herein are closed and, therefore, Plaintiff moves for Summary Judgment. Pa.R.C.P. 1035.3 provides further with regard to Summary Judgment: (a) The adverse party may not rest upon the mere allegations or denials of the pleadings but must file a response within thirty days after service of the motion... (d) Summary Judgment may be entered against a party who does not respond. In the "Note" to Pa.R.C.P. "Rule 1035.2 Motion", it is stated that: Partial Summary Judgment, interlocutory in character, may be rendered on one or more issues of liability, defense or damages. Defendant expressly admits the material facts set forth in paragraphs 1, 2, and 3 of the Complaint, which include, inter alij the existence of the loan evidenced by the Note and Mortgage executed by the Defendant. In addition, Defendant essentially admits that after demand, he has failed, and continues to fail, to comply with the terms of the Mortgage, including payment thereof, for an excessive period of time; and that Defendant is in default on the Mortgage. Defendant's Mortgage account is due contractually for the period December 2007 to date, a period of eight (8) months to the time of filing of this Motion. Thus, Defendant is essentially able to live in the mortgaged premises for free. As a result of Defendant's nonperformance, the present action was filed, and, as of this date, Defendant has failed to bring the account current. RULE 1029. DENIALS. EFFECT OF FAILURE TO DENY. (a) A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. A party denying only a part of an averment shall specify so much of it as is admitted and shall deny the remainder. Admissions and denials in a responsive pleading shall refer specifically to the paragraph in which the averment admitted or denied is set forth. (b) Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by sub-division (c)... of this rule, shall have the effect of an admission. (c) A statement by a party that after reasonable investigation the party is without knowledge or information sufficient to form a belief as to the truth of an averment shall have the effect of a denial. Note: Reliance on sub-division (c) does not excuse a failure to admit or deny a factual allegation when it is clear that the pleader must know whether a particular allegation is true or false. See Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978). (Subsections 1029(d) and 1029(e) have been omitted for purposes of the within Motion only). Pursuant to Pa.R.C.P. 1029(b), by failing to deny specifically or by necessary implication paragraphs 4, 5, 6, 7, and 8 of the Complaint, Defendant has admitted these averments. First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192, 653 A.2d 688 (1995); New York Guardian Mortgage Corp. v. Dietzel, 362 Pa.Super. 426, 524 A.2d 951 (1987). It is clear that the Answer to the Complaint is a misuse of the provisions of Pa.R.C.P. 1029. Misuse of Rule 1029 is an admission, and such an admission will support Summary Judgment. Defendant purports to deny the averments contained in paragraphs 4, 5, 6, and 8 of the Complaint as merely statements regarding Defendant's "lack of knowledge". It is well settled that an Answer is unacceptable and an admission where it is clear that the Defendant has adequate knowledge or that the means of obtaining information are within the Defendant('s)(s') control. Elia v. Olszewski, 368 Pa. 578, 84 A.2d 188 (1951); First Wisconsin Trust Co. v. Strauss er, 439 Pa.Super. 192, 653 A.2d 688 (1995); Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978); Goodrich-Amram 2d Section 1029(c)(1) P. 280. It is inconceivable that Defendant is unaware of has no information about whether he has made his required payments for the last eight months pursuant to the terms of the subject mortgage. Said mortgage is a recorded document, readily available to the Defendant. Clearly, the means of obtaining this information are within the Defendant's control. Defendant's responses amount to nothing more than a general denial as he fails to state the facts upon which his denial is based. The sums due Plaintiff are easily calculable under the terms of the Mortgage, the contents of which are clearly within Defendant's knowledge and control, and Defendant has totally failed to tender a payoff or a reinstatement of the sums due to date. See Plaintiffs Affidavit in Support of the Motion. Since Defendant has the knowledge of, and the means necessary for obtaining the denied information, including the total sums due, the denials are, in fact, admissions. Elia v. Olszewski, 368 Pa. 578, 84 A.2d 188 (1951); First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192, 653 A.2d 688 (1995); Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978). Defendant's denial in paragraph 7 of the Answer is a mere assertion of a "conclusion of law", which provides no defense thereto as the denial is to an averment that offers factual situations of which the Defendant has knowledge, and therefore is an admission. First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192, 653 A.2d 688 (1995). Plaintiff has an express contractual right pursuant to the terms of the Mortgage (paragraph 22) to charge the Defendant attorney's fees as a consequence of the initiation of the within action in mortgage foreclosure. The Pennsylvania Courts have concluded that 5% or even 10% of the principal balance can be reasonable in the calculation of attorney's fees. See Federal National Mortgage Association v. U.S.A., 33 Pa.D.&C. 3d 152, 156 (1982); Federal Land Bank of Baltimore X. Fetner, 260 Pa. Super. 455, 410 A.2d 344 (1979). Under the circumstances, the attorney's fee recited herein is reasonable. The Pennsylvania pre-foreclosure Act 6 Notice is not required in the present matter. The Act 6 Notice of Intention to Foreclose (41 P. S. Section 101, et ?_N.) is only required when the original bona fide principal amount of the mortgage is Fifty Thousand Dollars ($50,000.00) or less. The original bona fide principal amount of the subject Mortgage is in excess of $50,000.00. See Exhibit A attached hereto (Mortgage). Plaintiff complied with the Pennsylvania pre-foreclosure Notice requirements of Act 6 (41 P.S. Section 101, et seq.) and Act 91 (35 P.S. Section 1680.401 c, et sM.) The Pennsylvania pre-foreclosure Act 91 (35 P.S. Section 1680.403c, et sue.) states: "Any mortgagee who desires to foreclose upon a mortgage shall send to such mortgagor at his or her last known address the notice provided in subsection (b)...." At the time Plaintiff sent Defendant(s) the statutory combined pre-foreclosure Notice, Defendant's last known address was the mortgaged premises. Plaintiff (mortgagee) properly sent Defendant(s) the Notice to this address, as evidenced by the true and correct copy of the Notice attached to the Complaint as Exhibit A. In this respect then, it should be noted that Defendant's Answer effectively admits every allegation of the Complaint. IV. CONCLUSION The allegations of the Complaint are, in fact, uncontroverted. As set forth above, Defendant's Answer has been interposed for the purpose of delay only, and it does not substantiate any claim or defense to the propriety of the Mortgage foreclosure action per se. There are no genuine issues as to any material fact to be determined at trial, and therefore, for the reasons set forth hereinabove, the Plaintiff (moving party) is entitled to Summary Judgment as a matter of law. Respectfully submitted, UDREN LAW OFFICES, P.C. BY MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff VERIFICATION The undersigned attorney, hereby states that he/she is the attorney for the Plaintiff, a corporation unless designated otherwise; that he/she is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he/she has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief and the source of his/her information is public records and reports of Plaintiff s agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. Dated: alb iw? BY: MARK J. UDk ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff 0 After Recording Return To: Decision One Mortgage Company, LLC 6060 J.A. Jones Drive, Suite 1000 Charlotte, North Carolina 28287 (Space Above This Line For Rector ft Data) Loan Number 2030030219340 MORTGAGE MIN: 100077910000365557 DEFINi1TIONS 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 rides regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated FEBRUARY 28, 2003, together with all Riders to this document. (B) "Borrower" is ROBERT W. MILLER, JR.. Borrower is the mortgagor corder this Security Itutrutritt. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS 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, MI 48501-2026, tel. (888) 679-MEAS. (D) "Lender" is Decision One Mortgage Company, LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of NORTH CAROLINA. Lender's address is 6060 J.A. JONES DRIVE, SUITE 1000, CHARLOT'T'E, NORTH CAROLINA 28287. (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 28, 2003. The Note states that Borrower owes Leader NINETY-SEVEN THOUSAND EIGHT HUNDRED FIFTY AND 00/100ths Dollars (U.S.S97,11W.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payer and to pay the debt in full not later than MARCH 4, 2033. (F) "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. Faatil -Faaak Mae/Fred& Mae UNiF 0 Form 3039 1/01 e ! 0l/4 (Po8 W+de+) EXHIBIT A i 0 0 0 (B) "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]: MAdjustable Rate Rider 0 Condoniinium Rider O Second Home Rider 0Balloon Rider OPlamud Unit Development Rider MOth a O 1-4 Family Rider O BlweeklY Payment Rider (t) "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 fmal, non-appealable judicial opinions. (n "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are organization. used on Borrower or the Property by a condominium association, homeowners ion or similar associat (10 "Electronic Funds Transfer" me= 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 fmancial 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" meant those items that are described in Section 3. (hQ "Mi plan (other than urana any compensation, settlement, award of damages, or proceeds paid by any third art proceeds paid under the cov to, or destruction of, the P ea described Section 5) for: pert damage 1OP?y; 00 condemnation or other taking of all or any part of the conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the Proy; (III) condition of the Property. value and//or (N) "Mortgage Imsurance" means insurance protecting Lender against the nonpayment of, or default on, the (O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts tinder Section 3 of this Security Instrument. (P) "RESPA enting"remum Real Elute Settlement Procedures Act (12 U.S.C. 92601 et seal.) and its 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 -attar. 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 pay has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Leader: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (iii) 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 MFRS (solely as nominee for Lauder and Lender's successors and assigns) and to the successors and assign the following described property located in the Count of MBRS of CUMBERLAND SEE ATTACHED SCHEDULE "A" F)e of Recording luradicuml lhme of Recording turisaictionl PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 1/01 (page 2 of 14 pager) 0 Tax Parcel Identification Number: 20240783024 which currently has the address of 201 LONGMEADOW STREET MECHAIVICSBURG Pennsylvania 17055 [Street] City] (`Property Address'): TOGETHER WITH All the improvements (Zrp Code] appurtenances. and fixtures stow or hereafter a art of then roomy erected on the property. and ctrl easements, covered by this Securi part P petty. All replacements and additions shall also be ry Instrument. All of the foregoing is referred to in this Security Instrument as the "Property, ' Borrower understands and 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 suceegion 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 arty 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 bas the right to mortgage. grant and convey the property and that the Property is unencumbered. except for emimbrances 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 rauonal_pse and.. non7uWfurm........... covenants with limited variations by jurisdiction to constitute a uniform security instrnnnes. covering real property- UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Princlpal, Interest, Escrow Items, Prepayment Charges, . Charges. shall Pay when due the principal of, and Interest on, the debt evidenced by and Note and y prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Iterm 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 insinntunt received by I,mdcr as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all satb Note and this Security Instrument be made in one or more of the following forms, Payments due render the cash; (b) money order; (c) certified check. , as Lea (a) bank check, treasurer's check or cashier's check. . provided any ny s such c beck is drawn er ins i Funds Transf whose deposits are insured by a federal agency. instrumentality. or entity; or Payments are deemed received by Leader when received at the location designated in the Note or at such other location as ray be designated by Lender in acxordance with the notice provisions in Section 15. Leader may return any Payment or partial payment if the payment or partial payments are insufficient to brie the Loan current. Lender may accept any payment or partial payment insufficient to bring Loan g ament, without waiver of any rights hereunder or Prejudice to its rights to refuse such paymet or partial payments in the future, but Lender is not obligated to apply such payer 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.. PENNSYLVANIA-Single Family-Famk Ma"reddie Mac UNIFORM INSMUMF T Form 3039 1/01 (page 3 of J4 pager) 0 0 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 than to Borrower. If of 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 malting payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application or Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by leader 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 fast to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Leader 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, Leader 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 nnder 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 item 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 Lander under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lander in lieu or 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, Leader may require that Community Association Dues, Fees, and Assessmeats, if any, be escrowed by Borrower, and such dues. fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to ' Lender . it -fikiixs of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Item unless Leader waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lander may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Item at any time. Any such waiver may only be in writing. In the event of much 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 requites, 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 falls 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 nay time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, antl in such amounts, that are then required under this Section 3. Leader may, at any time, collect and hold Funds in an amount (a) sufficient to permit Leader to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Leader 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 accords= with Applicable Law. PENNSYLVANIA-Single Famify-Famie MadFreddia Mac UNIFORM INSMUM M Form 3039 1/01 (page 4 oj14 pager) 0 0 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 Itedn, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a chaige. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be require[ to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, 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 sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Lists. 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, Fes, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay there 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 Leader, 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 time proceedings are pending, but only until such proceedings arc concluded; or (c) secures from the holder of the lien an agreement satisfactory to Leader subordinating the lien to this Security Instrument- If Lender determines that any part of the Property is subject to `a'lien-*hkh'da 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 once-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Lmsm ante. 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 insurances. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Leader requires. What Lender require 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 once-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. PENNSYLVANIA-Single Family-Fannie Mae/FYeMe Mac UNIFORM INSTRUMENT Form 3039 1/01 (page S Oj/4 pages) 0 • 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 admowledges that the cost of the insurance coverage m obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S 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. 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. Leader 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 tarsier 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 coma: 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 matte in whiting or Applicable Law requires interest to be paid on such insurance proceeds, Leader 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 ec6i13 mieaily "feasible" or Lender's sexrity would be lessened, the insurance proceeds shall be applied to the awns 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 iroamranee claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurantx 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 Leader acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Leader (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Sectuity 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. !.coder 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 of 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. avhich consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. PENNSYLVANIA-Single Family-Fannk MadFreddieMae UNIFORM INStRt1NMW Form 3039 1/01 (page 6 ojl4 pages) 0 0 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 put== 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 connexion 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. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Leader 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. S. Borrower's Loan Application. Borrower shalt 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 We materially false, misleading, or inaccurate information or staternents to fender (or failed to provide Lender with material information) in connexion 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 Leader's Interest in the Property and Rights Under this Security InttrumxnL 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 Leader'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, them Lender may do and pay for whatever is reasonable or appropriate to protect I an '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 rehiring the Property. Leader'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 Imstrmmrwt, 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 to. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by lewder under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. Mwe amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from sender to Borrower ruing payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee tide to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. PENNSYLVANIA-Single Family-Fannie tHae(Freddie bloc IIHRFORM tNSPRUh(EW Fan 3039 1/01 (page 7of 14pager) ::i :i 0 9 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of malting the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage requited by lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to nuke separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums requited 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 Leader. If substantially equivalent Mortgage Insurance coverage is not available. Borrower shalt 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 stud retain these payments as a non-ref ndabIt loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in fiull, 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 snake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to' maintain Mortgage Insurance in effect, or to provide a non-refitndable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Linda 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 Laurance 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 parry to the Mortgage Laurance. Mortgage insurers evaluate their total risk on all such insuranet in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. Thee agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to time agreements. These agreements may require the mortgage insurer to nuke payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage.Insurance, ... . As a result of these agroenents, Lender. any purchaser of the Note, another insurer, any reinsmer, 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 exc law for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provide: 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 bee reuse 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 - it 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 Laurance 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 Leader. PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1/01 (page 8 of lI pages) 0 0 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 shalt hive 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 requited 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 cheer 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 stems secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing. the suns secured by this Security Instrument shall be reduced by the 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 sums 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 Larder 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 stays after the date the notice is given, Lender is authorize( 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 parry 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 Larder'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. PENNSYLVANIA-Single Family-Faode MwffrW ie Mae UNIFORM INMRUMFM' Form 3039 1/01 (page 9 of /4 pages) 9 • 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sung secured by this Security Iostrumezit 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. Leader shall not be requited to commence proceedings against any Successor in Interest of Borrower or to refuse io extend time for payment or otherwise modify amortization of the starts secured by this Security Instrument by meson of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Leader 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 tests 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 Leader, 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. 14. Loan Charges. Leader 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 aub1'oxt to &I aw which sets maximum loan charges, and that law is finally interpreted ed so that the interest or other loan charges collected or to be collated 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 Norte or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a peal prepayment without any prepayment charge (whether or not a prepayment charge is provided for tender 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 PENNSYLVANIA-Single Family.Fannie iNae/Fre"e Afar UNIFORM mfSMUMENT Form 3039 1/01 (page 10 ojl4 pages) 0 . 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 nail to Lender's address stated herein unless Lender has designated another address by notice to Borr6wer. 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 tinder Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Sbourity 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 knight be silent, but such silence shall not be construed as a prohibition against agreemeat 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 efface 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 'nay' 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 pan 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 Leader's prior written consent, Lender may require immediate payment in full of all sutras secured by this Security Instrument. However, this option shall Dot be exercised by Leader 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 segued by this Security Instrument. If Borrower fails to pay these stuns prior to the expiration-of this period, Lender may invoke any remedies permitted by this Security Instnunent without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Aeoddxation. If Borrower mteets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument disc olotinued 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 imtrument•, (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 acceention had occurred; (b) apes any default of any other covenants or agmments; (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 inured for the purpose of protesting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assue 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 Inttrument, shall continue unchanged. Leader may require that Borrower pay such reinstatement wane and expenses in can or note of the following forms, as selected by Lender: (a) crib; (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 sedated hereby shall remain fully effective as if to acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. PENNSYLVANIA-Single Family-Fannie M@&Tre"e Mac UNIFORM INSTRUMENT Form 3039 vol (page 11 of M pages) 0 • 20. Sale of Note; Change of Loan Savior; Notice of Grievance. Tbe 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. Tbere 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 Lon Servicer other than the purchaser of the Note. the mortgage loan servicing obligations to Borrower will remain with the Loan Se nicer or be transfered 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 Lander has notified the other parry (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 trust 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 opportmity 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, 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 fhe jtuisdkdm 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 Envimnmamal Law; and (d) an Tavironrmental Condition" means a condition ,that qn c .yw. 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 renteaces 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 governn ental or regulatory agency or private parry 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 necessay remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 0 • 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 Imstru ment (but not prior to acceleration under Section 18 unless Applicable Law provides oth'erwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (e) 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 ternunate 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. 2S. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the comet of bidding at a sheriffs sale or other sale pursuant to this Security Instrument 26. Purchase Money Mortgage. If any of the debt sauced by this Security jnstrument is lent to Borrower to acquire title to the Properly, this Security Insuumeitt shall be a 1 money mortgage. 27. Inter at 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. PENNSYLVANIA-Single Family-Faaane Mae/Freddie Mae UNIF01tM INSTRUMENT Form 3039 1/01 (page 13 ojl4 pages) 0 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Ri by Borrower and recorded with it. Witnesses: ABERT ' JR. tionower (Seal) .8o over () (Seal) -Borrower .Borrower STATE OF'P SY?LV,,?IA COUNTY OF?p A ) On this, the /? b ' day of ,before tae, the undersigned officer, personalty appeared ROBERT W. MILLER, W. , known to me (or satisfactorily proven) to be the person(s) whose tame(s) is/are subscribed to the within ' and acimowledged that be/she/they executed the same for the purposes therein contained. In witness whereof, I hereunto set my hand and ffici (Seal) qp icer t o n Lmz g i e o Off - -• -- -. ,. *? E? public CERTIFICATE OF RESIDENCE [, address of the within-mimed lade- is 6060 J.A. Jr CAROLINA 28287, witness my hand this .7, Y_ My Commission Expires: Typed or printed as=: A Y, hereby certify that the correct ON, CHARLOTTE, NORTH PENNSYLVANIA-Single Family-Fsonk Mae/Freddie Mae UNIFORM INSTltUMENr Form 3039 1/01 (m9e 14 of l4 poges) • COMMITMENT • SCHEDULE C File Number: 03-696KS ALL THAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being Ply in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described. as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Longmeadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48, 169.00 feet to the Northern line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly direction along the Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BE GINNING. BEING Lot No. 49 on a Plan of Lots known as Plan No. 2 of GREEN ACRES, which plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 4, at page 3. HAVING thereon erected a single family dwelling known and numbered as 201 Longmeadow Street, Mechanicsburg, Pennsylvania. BEING the same premises which Larry M. Pentz and Dorothy V Pentz, his wife, by Deed dated 10/27/94 and recorded 1I/0I/94 in Cumberland County.Record Book..114, Page 351, granted and conveyed unto Craig E. Pentz and Kimberly Pentz, husband and wife, in fee. Parcel No: 20-24-0785424 Accuracy of acreage content and/or square footage not guaranteed. 0 Loan Number 2030030219340 ADJUSTABLE RATE RIDER (LIBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 299 day of FEBRUARY, 2003, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Sayre Debt (the "Security Instrument") of the same date given by the m 4ersigned (the *Borrower") to secure the Borrower's Note to DECISION ONE MORTGAGE COMPANY, LLC (the "Lender') of the same date and covering the property described in the Security Instntroent and located at: 201 LONGMEADOW STREET MECHANICSBURG PENNSYLVANIA 17055 IProperty Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE IItITEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 6.9996. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 4TH day of MARCH, 2005, and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in The Walt Street Jownd. The most recem Index figure available as of the first business day ofthCmonth immedliitely'-- preceding the month in which the Change Date occurs is called the "Current index.' If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date. the Note Holder will calculate my new interest rate by adding SIX AND 49/100THS percentage points (6.49%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payer that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Ind-)-Sinsk FaMy-Fn da Uw t*4FMm Mer mtama Pas TBS 11ot IpW t af) pgaj 0 0 (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 9.99% or less than 6.99%. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than one percentage point (I %) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than 12.99%. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the fast monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I nay have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Security Instrument is amended to mad as follows: Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 18, "laterest 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 a Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lewder 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. Lender also shall not exercise this option if. (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transfers as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of, any covenant agreement in this Security Instnirrueut is s=eptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to L eoder's consent to the loan assumption. Lender may also-require the transfers to sign an assumption agreement that is acceptable to Leader and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Leader exercises the option to require inunediate payment in full. 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 wens secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of thin period, Lender may invoke arty remedies permitted by this Security Instrument without further notice or demand on Borrower. MULTISTATE ADJUSTABLE RATE SLIDER LABOR ladw)-sbgk Family-F-Wie We INGFORM MSMLWENr Fans Rn im (page 2 Of J Ares) BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. R ERT W M IR Seal) -Borrower (Seal) -Borrower (Seal) -Borrower MULTMATE AWMARIF RATE RIDER ([JBOR Wkx)-&Mie Family-F.M. M. LOCIFORM OtSRUMFMr F- )br rat (wr 3 qr3 pq.) }': • • Loan Number 2030030219346 INWNT 1NSTIt FLOOR RATE RIDER TO SECURTY ARM ',an ?? Oisctosures) (For 6-Month LIBOR, 2-Year LIBOR, and 3-Year LIBOR of FEBROARY, 2003, Sandtori is incorpo ?SecuruY RIDER is glade this l y (We upple mortgage, the Deed of Trost Of n Deed Out Mortgage shall be d? ? date given ?by?? undersigned (vt "Borr Property described in the Security and the Leader Company' LLC (the "') of the Instrument and located at: ?.?,?.rr criArlA I705S (property Address) AMENDMB.NT TO SECURITY VorR R" Security der Additional Cover?ant A. of the Adjustable Rate Rider to the instrument is 1, Section 4.(D) amended to read and be as follows.. CbangeS will uwt be greater than 9.9996 or less (D) Limits on iateresl Rafe d to pay at the first Change freased on any single Cbattge Date The interes rate will never be increased or dec baft btu paying for the preceding than 6."- Thereafter, .1°y (1.00%) from the rate of interest a ?imum ? of 12.9996. or a point max -mole than m yearly i?ntueat rate will never be greater six si months. minimum, or floor, rate of 69996. National MOnSW ever sold, assigned or trans ferredtotheFederal Floor Rate hider and exPressly its t that the Note e corporation, tbts 2. In the even n terminate and or floor rate, shall upo nri of this Floor Rate Rids be effective as Association or. the Federal h reslp t I to establishing Mortgage n amended provsions t or transfer, and ditMPo shall be of no further fDau and s? date of any such We, assignc? tam as ad out in to occ and the thereafter firster Change full farce ruyd effect in accordance v+! ? original into or amended the of the Note shall be in Noe as if this floor Rate Rider had never been motion 4.(D) of the lmtrument. Adjustable Rate Rider m the Secnriry BY SIGNING BELOW, Borrower acknowledges and agrees to th terms contained in this Floor Rate Rider, R W MILLER Jr- -Borrower {Seal) -Borrower (Seal) -Bormwu nt 0 0 Decision One Mortgage Date: FEBRUARY 28, 2003 Loan Number: 2030030219340 Borrower Name: ROBERT W MILLER JR. Property Address: 201 LONGMEADOW STREET, MECHANICSBURG, PENNSYLVANIA 17055 ADJUSTABLE RATE MORTGAGE LOAN PROGRAM DISCLOSURE 2 YEAR LIBOR ARM This disclosure describes the features of an Adjustable Rate Mortgage (ARM) program you are considering, which is called the 2 YEAR LIBOR ARM. The interest rate and payment of this loan may each change during the term of this loan. Information on other ARM programs available from the lender will be provided upon request. HOW YOUR INTEREST RATE AND PAYMENT ARE DETERMINED: • Beginning on the first Interest Rate Change Date, your interest rate will be based on an index rate plus a margin. Please ask us for our current interest rate and margin. • Your initial interest rate will not be equal to an index rate plus a margin. If the initial interest rate is below the then current index plus margin ("the fully indexed rate"), then the initial interest rate will be a "discounted" interest rate. Please ask us about the amount of the current discount. • The index rate is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in The Wall Street Journal. Index rate values are shown below for the first business day of each month and year shown. The example shows how your payment would have changed based on actual changes in the index from 1988 to the present. If this index is no longer available at any Interest Rate Change Date, the lender will choose a new index that is based on comparable information and will give you notice of this change. • When your interest rate changes, your new interest rate will equal the index rate, which is the most recently available index rate as of the first business day of the month immediately preceding the Interest Rate Change Date, plus the margin rounded to the nearest one-eighth percent (.125%). • When your payment changes, your new payment will be based on the interest rate, loan balance, and remaining loan term. The new payment will be an amount sufficient to repay the loan balance at the new interest rate in substantially equal payments over the remaining loan term. Therefore, NO NEGATIVE AMORTIZATION WILL EVER OCCUR under this loan program. HOW YOUR INTEREST RATE CAN CHANGE • Your interest rate can change on your 24th payment date and every 6 months thereafter (the "Interest Rate Change Date") to a rate equal to the index value plus the margin, rounded to the nearest .125%, subject to the following limits: • Your interest rate cannot increase by more than three percentage points (3.00%) at the first Interest Rate Change Date and cannot increase or decrease by more than one percentage point (1.00%) at each Interest Rate Change Date thereafter (the "Periodic Rate Cap"). • Your interest rate over the life of the loan cannot increase by more than six percentage points (6.00%) above the initial interest rate (the "Lifetime Rate Cap"). • Your interest rate will never be less than a minimum, or floor, rate equal to the initial interest rate (the "Lifetime Floor Rate"). HOW YOUR PA YMENT CAN CHANGE Your payment may change on the first payment date after the first Interest Rate Change Date and every 6 months thereafter. For example, on a $10,000, 360-month loan with an initial interest rate of 5.250%, (i.e., the index plus the margin shown for 2002 in the Historical Example on page 2, rounded to the nearest .125% and reduced by the initial discount of 3.0%), the maximum amount that the interest rate could rise under this program is 6.000% above the initial interest rate of 5.250% up to 11.250% and the payment amount could rise from the beginning payment of $55.22 to a maximum of $94.80 (at payment 43). You will be notified in writing 30 days before a payment adjustment may be made. This notice will contain information about the index and interest rates, payment amount, and loan balance. January 1, 2002 E„(AMPLE OF A 1988 $10,000 LOWUSING HISTORICAL INDEX VALUES. MW The example below shows how your payments would have changed under the ARM program based on actual changes in the index from 1988 to 2002. This does not necessarily indicate how your index will change in the future. For simplicity, the example is based on these assumptions: Loan Amount: $10,000 Interest Adjustment: Every 6 Months (beginning with the 24th payment date) Amortization Period: 360 Months Payment Adjustment: Every 6 Months (beginning with the 25th payment date) Interest Rate Margin: 6.250%* Initial Interest Rate: 10.750%% * YEAR INDEX VALUE MARGIN INTEREST RATE MONTHLY PAYMENT LOAN BALANCE Januar 1988 7.50% 6.25% 10.750% ** 12 0 93.35 $9,952.51 January 1989 9.31% 6.25% 10.750% 12 0 1$ 93.35 9,899.65 January 1990 8.25% 6.25% 13.750% *** 12 115.96 $9,867.34 Januar 1991 7.50% 6.25% 13.750% 12 a 115.96 $9,830.30 January 1992 4.19% 6.25% 11.750% **** 12 0 $101.09 9,769.06 January 1993 3.69% 6.25% 10.750% ***** 12 0 93.99 9,687.40 Januar 1994 3.56% 6.25% 10.750% ***** 12 0 93.99 $9,596.53 January 1995 7.00% 6.25% 12.750% **** 12 0 107.79 $9,522.37 January 1996 5.47% 6.25% 11.750% 12 0 $100.95 9,424.70 January 1997 5.63% 6.25% 11.875$ 12 101.78 9,316.78 January 1998 5.56% 6.25% 11.750% 12 0 100.97 9,193.35 Januar 1999 5.07% 6.25% 11.375% 12 0 98.62 $9,048.24 Januar 2000 6.23% 6.25% 12.500% 12 105.50 8,905.27 January 2001 5.36% 6.25% 11.625% 12 0 $100.30 $8,727.64 Januar y 2002 1.99 6.25% 10.750% ***** 12 0 95.40 8,510.57 * This is a margin we have used recently. Your margin may be different. ** This interest rate reflects an initial discount of 3.0% and is rounded to the nearest one-eighth percent (.125%). Your initial interest rate may reflect a different discount from the fully-indexed rate. *** This interest rate reflects a three (3) percentage point initial interest rate cap. **** This interest rate reflects a one (1) percentage point periodic interest rate cap. ***** This interest rate reflects the Lifetime Floor Rate. To see what your payments (excluding impounds or escrow payments for taxes, insurance and other purposes relating to the security property) would have been during a period reflected in the chart, divide your mortgage amount by $10,000, then multiply the loan payment reflected in the chart for that period, by that amount. For example, in 2002 the loan payments for a mortgage amount of $60,000 taken out in 1988 would be: $60,000310,000 = 6 x $95.40 - $572.40. The loan documents contain a due-on-sale clause. Lender will require your loan to be repaid in full immediately if you sell or transfer all, or any part of, the mortgaged property without first obtaining Lender's prior written consent oryt"rwise complying with the applicable provisions of your note and security instrument necessary to obtain La s consent to an assumption of your loan by a transferee of the property. Date Consumer Handbook on Borrower Date Consumer Handbook on Adjustable Rate Mortgages and Adjustable Rate Mortgages and disclosure received disclosure received January 1, 2002 r ? Parcel ID No. 20-24-0785-024 i made the 28th day of February, 2003, KIMBERLY PENT2, widow ROBERT W. MILLER JR. (hereinafter called the Grantor), of the one part, and (hereinafter called the Grantee), of the other part, CvW1#1fffd6r, that the said Grantor for and in consideration of the sum of ONE HUNDRED THREE THOUSAND AND 00/100 DOLLARS ($103,000.00) lawful money of the United States of America, unto her well and truly paid by the said Grantee, at or before the sealing and delivery hereof, the receipt whereof is hereby acimowledged, has granted, bargained and sold, released and confirmed, and by these presents does grant, bargain and sell, release and confirm unto the said Grantee, ALL THAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Longmeadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at corner of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48, 169.00 feet to the Northern line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a paint on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly direction along the Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BE GINNING. • ri BEING Lot No. 49 on a Plan of Lots known as Plan No. 2 of GREEN ACRES, which plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 4, at page 3. HAVING thereon erected a single family dwelling known and numbered as 201 Longmeadow Street, Mechanicsburg, Pennsylvania. BEING the same premises which Larry M. Pentz and Dorothy V. Pentz, his wife, by Deed dated 10127194 and recorded 11/01/94 in Cumberland County Record Book 114, Page 351, granted and conveyed unto Craig E. Pentz and Kimberly Pentz, husband and wife, in fee. And the said Craig E. Pentz died on 07/17/96 thus vesting sole title unto Kimberly Pentz. Z;Ydher Willi all and singular the buildings and improvements, ways, streets, alleys, driveways, passages, waters, water-courses, rights, liberties, privileges, hereditan=ts and appurtenances, whatsoever unto the hereby granted premises belonging, or in anywise appertaining, and the reversions and remainders, rents, issues, and profits thereof; and all the estate, right, title, interest, property, claim and demand whatsoever of her, the said Grantor, as well at law as in equity, of, in and to the same. r0 ham and to hOld the said lot or piece of ground described above, with the buildings and . rovenments thereon erected, hereditaments and premises hereby granted, or mentioned and intended so to be, with the appurtenances, unto the said Grantee, heirs and assigns, to and for the only proper use and behoof of the said Grantee, heirs and assigns, forever. ltd the said Grantor, for herself and her heirs, executors and administrators, does, by these presents, covenant, grant and agree, to and with the said Grantee, hens and assigns, that she, the said Grantor, and her heirs, all and singular the hereditaments and premises herein described and granted, or mentioned and intended so to be, with the appurtenances, unto the said Grantee, heirs and assigns, against her, the said Grantor, and her heirs, and against all and every other person and persons whosoever lawfully claiming or to claim the same or any part thereof, by, from or under him, her, it, or any of then, shall and will 04AA ;a* Wamwl and & ew Wend Om tl?l&e f CkOher Of the party of the first part has hereunto set her hand and seal. Dated the day and year first above written. Signed ScAand Delivered in the p "a,- gym'" {SEAL} kimberly Pentz • ACKNOWLEDGE1bIENT Corrunonwealth of Pennsylvania County of Cumberland : ss rI LJ On this the 28th day of February, 2003, before me, a Notary Public for the Conmxmwmlth of Pennsyhiarria, residing in the County of Cumberland, the undavgned Officer, personally appeared Kimberly Pentz, known to me (satisfactorily proven) to be the person whose nameis subscri1W to the within imstnurme and acknowledged that she executed the same for the purposes therein ooh IN WITNESS WHEREOF, I hereunto set my hand and o 'al seal. C Notary Public My commission expires NOTARIAL SEAL gaquehanFt. S neeTwpE, County? MY cptrunission F?cpires t+llar. 5, 2005 The address of the abovepamod C}nta?? 46 A ? 01 ;;07 1-000111)WA? J On alf of the Grantees 170 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings ,udren.com Household Finance Consumer Discount COURT OF COMMON PLEAS Company = CIVIL DIVISION Plaintiff Cumberland County V. Robert W. Miller, Jr. Defendant = NO. 08-2813 Civil Term CERTIFICATE OF SERVICE I, the undersigned attorney, hereby certify that I served or caused to be served true and correct copies of Plaintiffs Motion for Summary Judgment, Argument Praecipe and Brief in Support upon the following person named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail Date Served: JulY3J, 2008 TO: Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 Attorney for Defendant UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff i .y. , .. .? .,,'. ? _. •--# r .«.. { ., , -" ? a.w K. ... ...'? ??? { e PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) Household Finance Consumer Discount ' COURT OF COMMON PLEAS Company € CIVIL DIVISION Plaintiff Cumberland County V. Robert W. Miller, Jr. Defendant NO. 08-2813 Civil Term 1. State matter to be argued (i.e. plaintiff s motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Udren Law Offices, P.C. Address: Woodcrest Corporate Center, 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (b) for defendant: Brian J. Bleasdale, Esquire Address: 931 Chislett Street Pittsburgh, PA 15206 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: August , 2008 • (Nfy.+ Ptva%\cjblt) Dated: •?? 3 r 0% UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff -, 73 z -7:7 UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. Defendant ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 08-2813 Civil Term PRAECIPE TO ATTACH AFFIDAVIT AND VERIFICATION TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT TO THE PROTHONOTARY: Kindly attach the enclosed Affidavit and Verification to Plaintiffs Motion for Summary Judgment which was filed on or about August 1, 2008. UDREN LAW OFFICES, P.C. BY:? MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff UDREN LAW OFFICES, P.C. BY: MARK 3. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, N3 08003-3620 856-669-5400 Household Finance Consumer Discount Company ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff V. Robert W. Miller, Jr. Defendant NO.08-281.3 Civil Term AFFIDAVIT STATE OF SS COUNTY OF \X I, ??? ?a y ad?e? , being duly sworn according to law, depose and say: 1. That I am the for Household. Finance Consumer Discount Company, the Plaintiff in the within matter. 2. That in said capacity I am familiar with the account that forms the basis of the instant foreclosure action and that I am authorized to take this Affidavit. 3. That all notices, if required to be sent to the Defendant(s) pursuant to Act 6 of 1974 and Act 91 of 1983, have been sent pursuant to the requirements of those Acts on the dates appearing thereon, copies of said notices being attached to the Complaint as Exhibits, if applicable. 4. The amounts due on the Mortgage were correctly stated as of the date appearing in the Complaint, in paragraph 6 thereof, and have accumulated since the filing of the Complaint, as follows: c Principal of debt due and unpaid Interest at 11.875% from 11/4/07 to 7/18/08 (the per diem interest accruing on this debt is $30.63 and that sum should be added each day after 7/18/08) Title Report Court Costs (anticipated, excluding Sheriffs Sale costs) Property Inspections Broker's Price Opinion Hazard Insurance Taxes Other Fees/Costs 100.00 5,510.75 7,185.75 1,394.30 Attorney's Fees (anticipated and actual to 5% of principal) 4,706.83 TOTAL $130591.76 A true and correct copy of the payment history, attested to herein, is attached hereto as Exhibit A it Household Finance Consumer Discount Company Solutions Sworn to and sub cribed before me thi day of 41.t/C 2008. ?t?? MY COMMISSION # DD 809689 EXPIRES: July 29, 2012 Bonded ThrU WW Pd* $94,136.66 17,249.97 325.00 280.00 62.50 By: VA ? Name: Title: v-? P''?? 4 Production IBC 4D EcpaM menu tree window sae > > I HSBC MORTGAGE SERVICES INC _ KWAWNT FORCED WS COLLECTION NOTE LOAN ACCT j? Scrn I Dsp ARP Order iR Date X11/17/05 Prt IN Pal lu^ NameHILLER Type 1 Sub e Inv 30100 Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 - Hal - Prin 94136- 66 Esc o. oo UnaplCd 0.00 t -Unc01- Lc o.oo OptPrd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Arnt --------- Prin ----- Interest ------ Escrow -- 111705 RP 010405 650-35 91.20 559.15 .00 111705 RP 120404 650.35 90.67 559.68 .00 070805 RP 110404 650.35 90.15 560.20 .00 061005 RP 100404 650.35 89.62 560.73 .00 042403 RP 040403 650.35 80.37 569.98 Ao C?rr1R18nts-t C Ornms?ttS-2 ! v 1101"sage: mm or xisroRy _ OR BoTToM - Command: s-!; Fleset I Pr ? Help I Fib I ROret I Ptial MoreUp I 'MaeDc"n i R*ewe I PteyTab I NmtTab I Cancl I Restart I T] 0` --- D_eIw Codes CIO Codes iDwW Im ? CIT 618s EXHIBIT A 4 Production HSBC ? 6cpand menu toes aindwu 3ee» ?. HSBC MORTGAGE SERVICES INC View Doc vnerts Refresh Alerts PERMANENT FORCED INS COLLECTI1 NQTE LOAN !DELINQfJEW }30 AY ; Ivnu?nu?+ -:. rv.No ACCT Scm 'I Dsp IRP Order !R Date los/12/06 Prt IN Bal iN NameMILLER Type 1 Sub 8 lnV 30100 Warn 5 Lock 0 Stop 000 St 39 -Dates- Paid TO 11/04/07 Next Due 12/ 04/07 Last Prnt 12/07/07 Audit 04/23/03 - Bal - Prin 94136- 66 ESC o. 00 Unapf d 0- 00 1 - Uncol - Lc 0.00 Opt Prd 0.00 INT 0-00 FEES -13920.30 P&lAda 0-00 - Ytd - lnt o- oo Taxes 499- O8 Loss Draft Rcd ^ N - Date - Tr - Pdto - ----- Tr - Amt ------- -- Prin -- --- Interest - ----- Escrow -- 050206 RP 100405 875.62 51-12 824-50 .00 032806 RP 090405 815.39 59.95 755-44 .00 032806 RP 080405 815.39 59.48 755-91 .00 031006 RP 070405 815.39 59:02 756.37 .00 022006 RP 060405 615-39 56-55 756-84 .00 011606 AP 050405 815-39 58-09 757-30 .00 111705 RP 040405 815.39 57-64 757-75 -00 111705 RP 030405 650-35 92-27 558.08 _00 111705 RP 020405 650-35 91-73 558.62 -00 Oamments-l O crrntta#s-? I v i Me$8agW. DISPLAY C Ot[PLETr ax KOS¢E... _ Command: Sutxrut Reset PrintQ Help i Ritun 1 Refresh I P,*xI MoreUp I MoreDomn i Retrieve I ReyTab I N*Tab 1 C&x* I Restart T10 Delay Codes IU0 codes Deatrrtt Lino ?CII T800s ( l Production ? - E HSBC 4D ACCT Scrn Dsp ,Rp Order R Date l?to4/o6 Prt N Gal IN ^! NameMILLER Type 1 Sub e Inv 30100 Ward S Lock o Stop ooo °3t 39 6wndmewtree **WDwsize » I -Dates- PaldTo 11/04/07 NextDUe 12/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES -gal- Prin 94136 - 66 Esc o. oo Unap/Cd 0-00 INC -Uncol- Lc 0-oo OptPrd 0.00 INT 0-00 FEES -13920-30 . ! ! P&I Adv 0-00 , -ST - Ytd - Int o. oo Taxes 499. o8 Loss Draft Rcd ? N Date- Tr - Pdto ------ Tr - Amt --- ------ Prin ----- Interest - ----- Escrow - 120406 RP 070406" 936-66 46-86 889-80 -00 120406 RP 060406 936-66 46-42 890-24 .00 View Documents 120406 RP 050406 936- 66 45.99 890- 67 - 00 1 zl. 120406 RP 040406 936-66 45.57 891.09 -00 Refresh Ak"Is 120406 RP 030406 875-62 53-37 822.25 -00 072706 RP 020406 875-62 52.91 822-71 -00 PERMANENT FORCED INS COLLECTION 072706 RP 010406 875.62 52.46 823-16 -00 NAT 051206 RP 120405 875.62 52-01 823-61 -00 WAN 051206 RP 11040S 875-62 51-57 824-05 -00 DEL1N( DENT >30 DAYS' _ i ®? --, Commsnt&-1 i C ammerits-2 w Message. D I may Cowtrrz 01 [30AE ... Commanct Stt,mrt Reset Pnnk41 i Help I RgtL n I Refie* I Nim I MoreUp MmDogn I Rem I PreyTab I NVTab I Car.* Restart i T 0; ICIOCoda DeaW Lin ? - - - IT S(JOs y Production HSBC Expand teen tree arndm size >y I HSBC MORTGAGE SERVICES INC 381 ?V.?7 iIm UNITED'STATES It _ Next ACCT Scm I Dsp JRP Order IR Date +li/02/07 Prt IN Coal 1N NameHILLER Type 1 Sub 8 InV 30100 vvam 5 Lock o Stop 0o0 St 39 -Dates- Paid To 11/04/07 Next Due 12/ 04/07 Last Prnt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnaplCd 0.00 I - Uncol- Lc o _ oo Opt Prd 0.00 INT 0-00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft' Rcd ^ N -Date- Tr - Pdto - ----- Tr - Amt ------- -- Ptin ----- Interest - ----- Escrow -- 110207 RP 040407 980.71 45.43 935.28 .00 110207 RP 030407 989.51 43.94 945_S7 _00 110207 RP 020407 989.51 43.51 946.00 _00 110207 RP 010407 989.51 43.08 946.43 _00 110207 RP 120406 989.51 42.65 946.86 -00 011207 RP 110406 989.51 42.23 947-28 -00 011207 RP 100406 989.51 41.61 947-70 -00 011207 RP 090406 936.66 47.74 868.92 .00 120406 RP 080406 936-66 47.30 889.36 -00 n View Documards ; 141 Refresh Alerts PERMANENT FORGED INS COLLECTION NOTE --- LOAN - - - DELNOLeF >30 DAYS -'omments-l CommemS4 McSSa": DISPLAY COWL= OR !LORE... CommalmL S;Zff k Reset I PtimW Help I Rgtirn 1 Rehesb PriorI MmeUp MoreDoyfn I Reprieve ! PreyTab Nebf ab Cmvice I Restart T ? 0 [Delay Cods CIO Caoas lDeaki tai ? j CIT Ms w P Production HSBC'A? C 'Ds Order jR Date G7?21/OB P PR IN Fat iN '? Nam6HILLER Type 1 Sub 8 3o100 Inv 5 LOCK arn 0 Stop 000 St 39 Expand mom tree amrfowsize ?? -Dates- Paid To 1 1/04/07 Next Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES Bal Prin 94136.66 Esc o. oo UnaplCd 0_00 I INC f - Uncol - LC o _ oo Opt Prd 0.00 INT 0.00 FEES -13920.30 ' PWAdv 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ? N ;. ? -Date- Tr - Pdto - ----- Tr - Amt --------- Prin ----- Interest -- ---- Escrow -- P STATES 121407 RP 110407 980.71 48.67 932.04 00 121407 RP 100407 980.71 48.19 932.52 -00 View Documents 110207 RP 094407 980_71 47.72 932.99 .00 Refresh Alerts 110207 RP 080407 980.71 47.25 933.46 _00 - - 110247 RP 070407 980.71 46.79 933.92 .00 -_' - 110207 RP 060407 980.71 46.33 934-38 00 IRIVIANFl7 FORCED INS COLLECTION 110207 RP 050407 980.71 45.88 934.83 -00 ! T 110207 RP 040407 980.71 45.43 935.28 .00 LOAN 110207 RP 030407 989.51 43.94 945.57 _00 DELINQUENT >3q DAYS _? F ?? r?Etrnrneflt5-4 Ctrmmer?ts-? v ` MesSap: DISPLAY COHPLETS OR ... (SORB, GDmmatmk 5St7Ax Reset Pfinm H*I Brturn Rehesb I P*I MoreUp I MereDo&n I Reprieve PieyTah ! N*Tah I Cancel Restart I T? 0; !Delby od s O Cod 'DeaM Lin? --- --- CIT?Os w Production AWFL 14SBC ACCT Scrn Dsp ,Fos Order R Date o6,rlofos Prt u Gal iN tVameHILLER Type 1 Sub 8 Inv 3oloo Warn s Loch o Stop 000 St 39 Fxpnd menu tree window sue » -Dates- Paid To 11/04/07 Nexf Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - Bal - Prtn 94136.66 Esc 0. oo UnapfCd 0. oo f I NC - Uncol - Lc 0. o0 Opt Prd 0.00 INT 0.00 FEES -13920.30 mW 1194 • i 1 -.? - Psi Ad+r 0.00 X 1 2m -)td - Int o. oo Taxes 499.08 Loss Draft Rcd N ?. -Date Tr - Pdto -- -- Tr Amt --- ------ Prin ----- Interest - ----- Escrow View Docurnacks Lai Refresh Alerts ? i PERNtA1t?lEtdT FORCED INS COLLECTION NOT LOAN i?r >30 AY i Comments-1 Comments-2 Y WSSdge: E= OP III3TOR7r. OR .... SOTTM command: Submit Reset printm Help Rgtwn i Refret I P*1 M.oreUp I MoreDolyn I Reprieve I PreyTab I 'Ne*Tab I Cancej I Restart I T10'I Uelay Codes Ic/o Cod" GeaW Lin ? CIT Os Production HSBC menu tree aindoa size » HSBC MORTGAGE SERVICES INC I ? ?A I M55 LTtII3#?'3 S'i'.??'k5 View Documents j Refresh Alerts '-PERA+IANFisIT - FORCE) INS COLLECTK)N •TE ---- (- LOAN DELINIQL ENT >30,1 A' Next ACCT Scrn NarneNILLEP Type 1 -Dates- Paid TO 11/04/0 - Bal - Prin 94136- - Uncol - is 0.0 P&I A& - Ytd - Int 0.00 - Date - Tr - Pdto ------ 120406 POS 090406 PAID 120406 POS 080406 PAID 120406 POS 070406 PAID 111705 POS 110405 PAID 111705 POS 100405 PAID 111705 POS 090405 PAID 111705 POS 080405 PAID 070805 POS 070405 PAID 061005 POS 060405 PAID Dsp IPos Order iR Date ,12/04/06 Prt IN Bal IN ^ Sub 8 Inv 30100 Warn s Lock o Stop ooo St 39 7 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 66 Esc o. oo tJnaptGd 0.00 1 0 Opt Prd 0.00 INT 0.00 FEES -13920.30 0.00 Taxes 499. o8 Loss Draft Rcd"' N Tr - Amt --------- Prin --- Interest ------ Escrow -- 936.66 DUE 936.66 SHORT 936-66 DUE 936.66 SHORT 936.66 DUE 875.62 DUE 675.62 DUE 815-39 DUE 615.39 DUE 815.39 DUE 815.39 DUE 936.66 SHORT 875.62 SHORT 875.62 SHORT 815.39 SHORT 815.39 SHORT 815.39 SHORT 815.39 SHORT _00 TELLER 26843 .00 TELLER 26843 -00 TELLER 26843 _00 TELLER 22296 00 TELLER 22296 -00 TELLER 22296 _00 TELLER 22296 -00 TELLER 27559 OD TELLER 31361 C Dn'ItFFBI'It9-'I ? r D rn nTBrlta- i 'i Y McSSage: D PJPLAT COWLETE OR HORS _ - _ Commaimh Submt Reset Prmm H* ) Rgtmn I Rehesh I P*1 MorsUp I MoreDotyn I Retrieve i RevTab I Ne$Tab I Came] I Restart 9 T101 ID*y Codes CIO Codas -- --- 'Do&* tint w - , - CIT 809s ? i^ Production HSBC 4D Expand m4nmtrm vdndow size >> HSBC MORTGAGE SERVICES INC Account: 7071194 f* i165 View DOCLnerts Refresh Alerts PERMANENT FORCED INS COLLECTION ?PTE LOAN -Az NQLJENT >30 DAYS ACCT Sun Dsp liPos Order iR Date j11/o2/o7 Prt IN Bat iN NameHILLER Type 1 Sub 8 Inv 30100 Warn 5 Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 -Bat- Prin 94136- 66 Esc o. oo Unap/Cd 0.00 / -Unc01- Lc O.OO Opt Prd 0.00 INT 0-00 FEES -13920.30 P&IAdv 0-00 - Ytd - Int o _ oo Taxes 499. o8 Loss Draft Rcd ? N - Dale - Tr - Pdto ------- Tr - Amt --------- Prin ----- Interest ------ Escrow -- 110207 POS 050407 PAID 989.51 DUE 980-71 OVER 8.80 TELLER 12853 110207 POS 040407 PAID 989.51 DUE 980.71 OVER 8.80 TELLER 12853 110207 POS 030407 PAID 989.51 DUB 989.51 SHORT -00 TELLER 12853 110207 POS 020407 PAID 989.51 DUE 989.51 SHORT 00 TELLER 12853 110207 POS 010407 PAID 989.51 DUE 989-51 SHORT -00 TELLER 12853 032107 POS 010407 PAID 240-92 DUE 989.51 SHORT .00 TELLER 12677 120406 POS 120406 PAID 989.51 DUE 989.51 SHORT -00 TELLER 26843 120406 POS 110406 PAID 989-51 DUE 989.51 SHORT -00 TELLER 26843 120406 POS 100406 PAID 989-51 DUE 989-51 SHORT _00 TELLER 26843 A CammelAt5-1 Gemm errts-2 IMeSSage. DT3PLAY COPBLL"PE _ OR QOP... Command SL&rA Rem Printo Help I RVtwn I Refre t I Prim I MoreUp I More Dolyn I Rekieye <I PreyTab I Ne 2oTab I C,anc l I Restmt I TIB j --Inv Codes IC/0 Cotes Daairrlt t? ? CITt#0(ks ?'?' Previous Next Production HSBC' ?,ccT Scrn Dsp jFOS Order iR Date o7/21/OS Prt u Bal ? qqLt6y NarneMILLHR Type 1 Sub 8 InV 30100 Warn 5 Lock 0 Stop 0o0 St 39 tgEmnWWtmanxbwsize >r -Dates- PaldTo 11/04/07 Next Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - Bal - Prin 94136 - 66 Esc o. oo 'JnapfCd 0_00 1 INC - Uncol - Lc o. oo Opt Prd 0.00 INT 0.00 PEES -13920- 30 P&I A& 0- 00 Ml Ytd - Int o- oo Taxes 499.o8 Loss Drat1 Rcd ? N tMEXANUMM - Date - Tr Pdto - ----- Tr-Amt ------- -- PrIn - - Interest ------ Escrow UNIM STATES 110207 POS 100407 PAID 980.71 DUE 980- 71 SHORT -00 TELLER 12853 110207 POS 090407 PAID 980-71 DUE 980.71 SHORT -00 TELLER 12853 y View+DOcurnerds 1 110207 POS 080407 PAID 980.71 DUE 980-71 SHORT .00 TELLER 12653 110207 POS 070407 PAID 980.71 DUE 980.71 SHORT 00 TELLER 12853 Refresh Alerts --- 110207 POS 060407 PAID 980.71 DUE 980.71 SHORT .00 TELLER 12653 - - --- 110207 POS 050407 PAID 980.71 DUE 980.71 SHORT -00 TELLER 12B53 PERMANENT ? 110207 POS 040407 PAID 980.71 DUE 980.71 SHORT -00 TELLER 12853 FORCED INS CQI >=r? NOT 110207 POS 040407 PAID -989-51 DUE 980-71 SHORT 8.80 TELLER 12853 LOAN 110207 POS 050407 PAID -989.51 DUE 980-71 SHORT B-80 TELLER 12853 DELINGLENT >30 DAYS - Comments-! Ovmm Batts-2 v McSSagW. DISPLAY COMPLETE ox Rolm - - - Commamd: Sutxrut Reset PrnnlA@ Help I R¢tum I ReFret I Prj xI MtoreUp I f4mDom, I ROomm I PreYTab I Ne#Tab I Cancel I Restart T 10' Delay Codes iCIO cadn tDeAA Lin ? ICITBM& i ?• G Production 14SBC Expand menu tree window size » i HSBC MORTGAGE SERVICES INC View DOCrrnents a Refresh Alerts - - PERMANENT FORCED INS COLLECTION NOTE AN SAYS ' Previous ACCT Scrn ( Dsp Order 1P. Date '11/17I0s Prt IN fial IN NameMILLER Type 1 Sub 8 Inv 3010o Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 1Z/07/07 Audit 04/23/03 - Bal - Prin 94136- 66 Esc 0.0o UnapfCd 0.00 - Uncol - Lc 0.00 Opt Prd 0. 00 INT 0-00 FEES -13920- 30 P&I Adv 0-00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ? N i - Crate - Tr - Pdto ------ Tr-Amt --------- Prin ----- Interest ------ Escrow - 110205 FIB 110404 9.50 36 CORP ADV 1 100505 FE 110404 150-00 40 EXPENSE ADVANCES 08Z405 FB 110404 9.50 36 CORP ADV 1 081005 FE 110404 9-50 36 CORP ADV 1 080905 FB 110404 100.00 40 EXPENSE ADVANCES 071905 FB 110404 9.50 36 CORP ADV 1 070805 SR 110404 165.04 .00 -00 -00 070805 UF* 110404 UNAPPLIED FUNDS (Z) 165.04 BALANCE 330-08 070805 RP 110404 650-35 90-15 560-ZO -00 Comments-1 Comments- Message: mi"LAY CortpLLTL ox YORE... Command :l Rases' PrinL61 Help 1 Peurn ( Refret ( P*I Morellp I MoreDcun I Rejrieve I Pre_vTab Ne}ttTab I Cam+ Restart Tj 0 Deiav Cow ClO Caen fiaaW lar ? - -- s ; ^ ?- Production 14SBC @gnnd menu tree window size > > HSSC MORTGAGE SERVICES INC 21:2 View Documents i Refresh Alerts POWANENT FORCED INS COLLECTK)N NOTE ?Dl;Llt?l(LOAN tT >30 ? 3 DAYS ACCT [M Scrn I Dsp ; Order iR Date 111/1 r/os Prt !N Gal lu ^ NamelHILLER Type 1 Sub 8 Inv 3010o Warn s Lock o Stop 900 St 39 -Dates- Paid TO 11/04.107 Next Due 12/04/07 La St Pmt 12/07/07 Audit 04/23/03 - Hal - Prln 94136- 66 Esc 0. 00 lJnapfCd 0-00 f Uncol - Lc O. OO Opt Prd 0.00 INT 0-00 FEES -13920- 30 P&IAdv 0-00 - Ytd - Int o. oo Taxes 499-o8 Loss Draft Rcd ? N -Date- Tr - Pdt0 ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 111705 UFO 120404 UNAPPLIED FUNDS (4) -815.39 BALANCE 1888-44 111705 SR 120404 165-04 -00 .00 -00 111705 UF* 120404 URAPPLIED FUNDS (2) 165-04 BALANCE 495.12 111705 RP 120404 650-35 90-67 559-68 00 111705 POS 080405 PAID 815.39 DUE 815.39 SHORT 00 TELLER 22296 111705 SRO 110404 -815.39 -00 -00 -00 111705 UFO 110404 UNAPPLIED FUNDS (4) -815-39 BALANCE 2703-83 111705 SR 110404 3450.00 -00 .00 _00 111705 UFO 110404 URAPPLIED FUNDS (4) 3450-00 BALANCE 3519.22 comments-9 G 0mrrlertts-? '" Message: D23PLAY com=E OR MoaX... conunanct Shit Reset I PrWm Help I Rgt= RePret I Prjot I McxeUp I MoreDgMn I Retrieve I RayTab Negffab I Cane] I Restart T j 0 - Delw Codes Q0 Cass ,Del ?t Lin o -- CIT Os E I"`' N Production HSBC 4D Expand menu tree auindow size > > I HSBC MORTGAGE SERVICES INC 2M A ?ifit?7ft95,` UNI STATM View Documents lqqfi Refresh Alerts PU MANENT FORCED INS ' COLLECTION E LOAN IDELINQLeW >30 DAPS ACCT Scrn 1 Dsp Order VR Date 111/17/05 Prt W Bal jN ^ NameNILLER Type 1 Sub 8 Inv 301oo Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04107 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnapfCd 0.00 - Uncol - Lt 0. 00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Ada 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd' N - Date - Tr - Pdto - ----- Tr - Amt ------- -- Prin ----- Interest ------ Escrow 111705 POS 100405 PAID 875-62 DUE 875.62 SHORT -00 TILLER 22296 111705 SRO 020405 -875.62 -00 .00 .00 111705 UFO 020405 UNAPPLIED FUNDS (4) -875.62 BALANCE 1012.82 111705 SRO 020405 -485.31 -00 -00 -00 111705 UF* 020405 UNAPPLIED FUNDS (2) -485.31 BALANCE 9-81 111705 RP 020405 650-35 91.73 558-62 _00 111705 RP 010405 650.35 91-20 559.15 _00 111705 POS 090405 PAID 816-39 DUE 815.39 SHORT -00 TELLER 22296 111705 SRO 120404 -815-39 -00 _00 _00 Hamm ants--n Comments-2 Message: nim= comPLETE OR MORE... Commaixt SLbmit Reset PrinW H*I Ratan { Rafmmh I PriorI MoreLlp I MoreDc"n I R*rivee I PteyTab I NeztTab I Can* I Restait I Tj 01, ? CIT ? Dehw Codes 110 De*A W Production 14SBC 4D Expand menu tee window size >> HSBC MORTGAGE SERVICES INC 3m b1 "S View Do' cumerts t Refresh Alerts PERMANIENT FORCED INS COLLECTION NOT I----LOAN ':DELINQMNT >30 DAYS { ACCT J? Scrn i Dsp ` Order IR Cate ;11/17/05 Prt IN 6al IN ^ NameHILLER Type 1 Sub 6 Inv 30100 'Narn 5 Lock o Stop 000 St 39 -Dates- Paid TO 11/04/07 Next Due 12/04/ 07 Last Pmt 12/07!07 audit 04123/03 -a@[- Prin 94136.66 Esc o. oo Unap/Cd o. Oo t - Uncol - Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&I Ads/ 0.00 -Ytd - Int o. 0o Taxes 499.08 Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ----- Escrow -- 111705 RP 040405 815.39 57.64 757.75 .00 111705 AMC 040405 P41 PYHT CHC- OLD 650.35 NEW 815.39 111705 POS 110405 PAID 875.62 DUE 875.62 SHORT .00 TELLER 22296 - 111705 SRO 030405 -875.62 -00 -00 -00 111705 UFO 030405 UNAPPLIED FUNDS (4) -875.62 BALANCE 137.20 111705 SR 030405 225.27 _00 .00 .00 111705 UF* 030405 U19APPLIXD FUNDS (2) 225.27 BALANCE 235.08 111705 RP 030405 650.35 92.27 558.08 .00 111705 AMC 030405 INTEREST RATE CHG OLD 6.99000 NEW 9.50000 Carnments-1 Commafttr3 ?,?, _. Message- DISPLAY COULETE ox MORE. Command: S Rase I Printq _1 Hetp I Rgtmn ( Rehesb I Pjor? ?+IoreUp i MoreDogn i Re#ieue I ReyTab ! Ne#Tab I Cmug4 j Restart T101 I Dadev Owes 010 Cod% De*A Lin ? GIT8IGs ?• IN Production HSBC Expand mem,tree window size - HSBC MORTGAGE SERVICES INC s 4 2 IZINGUTADOWST P#? Im UN M S"TATES View Documents Refresh Alerts ACCT llll? Scfn " Dsp Carder JR bate j111z1IO5 - Ptt IN Bat IN ^ NameMILLHR Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04107 Next Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 - Hal - Prin 94136.66 Esc o. oo UnaplCd 0.00 f - UncOl - Lc 0. 0o Opt Prd 0. 00 INT 0.00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o. Do Taxes 499.08 Loss Drafl Rcd ? N -Date- Tr - Pdto ------ Tr-Amt --------- Prin ----- interest ------ Escrow -- 112105 UFO 040405 UNAPPLIHD FUNDS (4) 137.20 BALANCE 137.20 j 112105 UF* 040405 UNAPPLIHD FUNDS (2) 295.31 BALANCE 295.31 112105 ITR 040405 OLD INV 50010 11130 P-BAL 95658.55 INT .00 NEW INV 50010 11120 PERCENT OWNED _0000 ACTION CD 000 112105 RT 040405 -432.51 _00 _00 _00 112105 UFO 040405 UNAPPLIHD FUNDS (4) -137-20 BALANCE 0-00 112105 UF* 040405 UNAPPLIED FUNDS (2) -295.31 BALANCE 0.00 111705 SR 040405 60-23 _00 _00 .00 111705 UF* 040405 UNAPPLIED FUNDS (2) 60.23 BALANCE 295.31 Comments-l Camm its-2 Message: D13PLAT COKPLET$ 08 HORS... Command; 5Lb M Ruet PrinlAtt' Help ( RStwn I Fldresb I Rrjorl MoreUp I MoraDown I R*iexe I Reffab I NetTab I Cmv* I Restart I Tj 0' !Delay C ISO 0063 DeaW Lin ? IC T BO?s Next Production i '14SBC 4D metes tree vArxfoa side » HSBC MORTGAGE SERVICES INC View Documents j Refresh Alerts - PERMANENT FORCED INS COLLECTION NOTE I OAN - -- DELNGL ENT >30 AY ACCT Scrn I Dsp Order R Date !oi/i6io6 Prt IN Bat iN ^ NameHILLER Type 1 Sub e Inv 3oloo Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 12/07/07 ;Audit 04/23/03 - Bat - Prin 94136.66 Est 0.00 UnapfCd 0.00 J - Uncol- Lc o.oo OptPrd 0.00 INT 0-00 FEES -13920.30 P&IAdv 0.00 - Ytd - tnt o. oo Taxes 499.08 Loss Draft Rcd ^ N -Date- Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 011606 SR 040405 1090.36 .00 00 .00 011606 UFN 040405 UNAPPLIED FUNDS (3) 1090.36 BALANCE 1227-56 011606 SR 040405 .00 .00 -00 .00 011606 UFO 040405 UNAPPLIED FUNDS (4) -137.20 BALANCE 0-00 011606 UFN 040405 UNAPPLIED FUNDS (3) 137.20 BALANCE 137.20 011006 FE 040405 550.00 40 EXPENSE ADVANCES 122905 FB 040405 9.50 36 CORP ADV 1 120105 FB 040405 1656.00 164 CORP ADV 3 F/P HAZARD 112105 PT 040405 432.51 .00 .00 .00 Comments-! Comments-?, v' Message: DISPLAY Comm= OK MORE... ,$ Commanck StAmt Reset Pri1A HeJIpI R&rrn ( Rafret I Pryor! MorcUp , MoreDo&n Reprieve I PreYTab I Ne*Tab I Carv* Restart IT10! - - III Delay dos - CA) Cod" De" Lin ? C lT B Os ? •• 8 0 'J Production 14SBC10D Expand menu tree aindn size > > 1 HSBC MORTGAGE SERVICES INC PW.. TTt?TTL4? Cff/'4lR4d4 View Documents Refresh Alerts ?1 PERAM ENT FORCED WS COLLECTION I NOTE LOAN DELINQUENT >30 DAYS -i ACCT Scrn Dsp ! Order 1R Date 102117106 Prt IN Flal IN NameHILLER Type 1 Sub s InW 30100 Warn s Lock o Stop ooo St 39 Dates- Paid To 11/04107 Next Due 12/04/07 LastPmt 12/07/07 /Audit 04!23/03 Bal- Prin 94136.66 ESC o. o0 UnaplCd 0.00 l - Uncol - Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 -Ytd - Int o. oo Tastes 499.08 Loss Draft Rcd ? N Date- Tr - Pdto ----- Tr - Amt --------- Prin ----- Interest ------ Escrow -- 021506 SR 050405 463.32 -00 .00 .00 021506 UFP 050405 UNAPPLIED FUNDS (5) 463.32 BALANCE 463.32 020806 FE 050405 9.50 36 CORP ADV 1 011606 SR 050405 412.17 .00 .00 .00 011606 UFT 050405 UNAPPLIED FUNDS {Z) 412.17 BALANCE 707.48 011606 RP 050405 815.39 58.09 757.30 .00 011606 POA 010406 PAID 1227.56 DUE 1227.56 SHORT .00 TELLER 27559 011606 SRO 040405 -1227.56 .00 .00 -00 011606 UFN 040405 UNAPPLIED FUNDS (3) -1227.56 BALANCE 0.00 c?naTiartts'9 COrnmerrts-:3 , v . M"SagC DI3PLAY COMPLETE - ON MORE._. commas Subunit Reset Prir*M H*I Rgm, Refresh ( ROI MoreUP I MloreDopn I Reirieye j PreneTab I NgtTab I Cancel <I Restart 1 T) 0 [- Delay Codes clO Codas ;DeAd Lin ? IT s '??• Droduction HSBC Expand menu tree wOwiM size >> t ISBC MORTGAGE SERVICES INC Refresh Alerts LOAN QELNQLW >30 Q"S ACCT ? scrn Dsp ! Order iR Date I,o2/zo/o6 Prt IN Hal iN ^ NameHILLER Type 1 Sub s Inv 3o1o0 Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/o7 Audit 04/23/03 - Bal - Prin 94136.66 ESC o. co UnaplCd 0.0o - Uncol - Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920-30 P&I Adv 0.00 - Ytd - Int o. oo Taxes 499-o8 Loss Draft Rcd ^ N - Date - Tr - Pdto ------ Tr-Amt --------- Prin ----- Interest ------ Escrow -- 022006 POA 020406 PAID 1090-36 DUE 1090.36 SHORT -00 TELLER 26667 022006 SR7 050405 -1090-36 .00 -00 .00 022006 UFO 050405 UNAPPLIED FUNDS (4) -1090.36 BALANCE 6-64 022006 FE 050405 100-00 40 EXPENSE ADVANCES 021706 SR 050405 .00 00 .00 00 021706 UFO 050405 UNAPPLIED FUNDS (4) 1097-00 BALANCE 1097.00 021706 UFU 050405 UNAPPLIED FUNDS (1) -1097.00 BALANCE 0-00 021706 SRA 050405 1097-00 .00 .00 .00 021706 UFU 050405 UNAPPLIED FUNDS (1) 1097.00 BALANCE 1097.00 Comments-1 C o mmerAr- V Message: D IMAM COWLL E OR men - - - Commal>mk SLanit Reset PrintM 6 Help I RstLxn I Reftet j Prjorl -M m Up I HomDg&n I R*iew I PreyTab I Ne*Tab I Canomi I Restart 0! - ,{?e1 v Coda 010 Lades }Deafedt Lin r - - - - - jC T 8QUs ? "y HSBC Production 4D Fran d menu lrec window size HSBC MORTGAGE SERVICES INC IIILL??,,yt_ ? =Ms` "I YIII*73 III'?U?T:ai3'ES View Documents Refresh Alerts PERKVC:NT-- FORCED INS COLLECTION NOTE LOAN DELINQUENT >30 , DAYS ^ ACCT Scrn Dsp Order iR Date '!o2/2o/o6 Prt IN Bal IN NameHILLER Type 1 Sub 8 Ime 30100 Warn 5 Lock 0 Stop o00 St 39 -Dates- Paid To 11/04/07 NexlDue 12/04/07 LastP(nt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnapiCd 0.00 - Uncol - Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&l Ad51 0.00 - Ad - Int o. oo Taxes 499.08 Loss Draft Rcd ? N -Date- Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 022006 PRE 010406 PAID 463.32 DUE 307.68 OVER 155.64 TELLER 26667 OZZ006 SR7 060405 -463.32 .00 .00 _00 022006 UFP 060405 UNAPPLIED FUNDS (5) -463.32 BALANCE 0.00 -E 022006 SR 060405 022006 UFO 060405 022006 UFN 060405 02ZO06 SR 060405 022006 UF° 060405 022006 RP 060405 00 .00 00 _00 UNAPPLIED FUNDS (4) -6.64 BALANCE 0-00 UNAPPLIED FUNDS (3Y 6.64 BALANCE 6.64 274.97 _00 .00 _00 UNAPPLIED FUNDS (2) 274.97 BALANCE 982.45 815.39 58.55 756.84 _00 Comments-1 Comments- ?? messaw. DIaPLAY COMPLE= _ ON KORE... Gomiman(t Subm Reset Pre-tAll H* I Rttum Refret I Rjor I MoreUp 1 HoreDoWn I Reyieae I PreiTab I Ne /Tab 1 C&** I Restart ) Tj 0 ? _ __ i 'Dew 'CIO Caries IDeafA lint CfT s III` Pr s Next Production 14SBC 41? ACCT Scrn Dsp Order jR Date 03/28!06 Prt u BaI u ^ NameHILLER Type 1 Sub 8 InV 30100 Warn s Lock 0 Stop 000 St 39 Expand menu tree window size a>° -Dates- Paid To 11/04/07 Ne)dDue 12/04/07 LastPmt 12/o7/o7 Audit 04/23/03 HSBC MORTGAGE SERVICES - Bal - Prin 94136- 66 Esc o. oo UnaplCd 0.00 t INC -Uncol- LC 0.o0 Opt Prd 0.00 INT 0.00 FEES -13920.30 Accounir: 7071194 P&I Adv 0.00 LSD QT?S'! - Ytd - Int o. oo Taxes 499. o8 Lass Dralt Rcd ? N Date- Tr Pdto - ----- Tr - Amt --------- Prin ----- interest ------ Escrow -- RA 17033 UNITEDST'ATM 032806 UFU 070405 UNAPPLIED FUNDS (1) 100.00 BALANCE 100-00 031506 SR 070405 142S_38 .00 .00 _00 View Docunents 031S06 UFI 070405 UNAPPLIED FUNDS (4) 1425.38 BALANCE 1425.38 031006 SRO 070405 -367.31 _00 _00 _00 Refresh Alerts _ 031006 UF* 07040S UWAPPLIED FUNDS (2) -367.51 BALANCE 1078.26 031006 RP 070405 815.39 59.02 756-37 _00 PERMNENT FORCED INS COLLECT" 031006 PRE 020406 PAID 447.88 DU E 307.68 OVER 140.20 TELLER 23754 NOTE 022006 SR 060405 463.32 .00 _00 _00 LOAN 022006 UF* 060405 UNAPPLIED FUNDS (2) 463.32 BALANCE 1445.77 DELNGLIENT >30 ' DA Si 0,nfnmental GOmm erttts-2 ?,,, Me$SaW. DISFLDY' cow== ox MORE . - . Command Submit Reset PrintU Help Rgturn ( Rehes#t I Rim/ MoreUp MoraDamn Re#rieve 1 ReyTab I l4e#Tab I Carj ? Restart ? T? O' D 0 codes De6A Lin ? LT $QO- -- - ^ Production ! HSBC Earul ttletMl31 Window size as HSBC MORTGAGE SERVICES INC 1 P Accotjnt? 1tt136t?T3{3 ST IMMIANPMORG ? gory l}? tmim- S'i A TES View Dacus ; Wlv? Refresh Alerts PERMANENT FORCED NS COLLECTION NO F- LOAN - --- l f >30 ACCT Scm ; Dsp j Order R Date lo3/28/06 Prt iN Bal iN NameHILLER Type 1 Sub s Inv 30100 Warn 5 Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 12/07/07 audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo Unapf0d 0-00 I - Uncol- Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&I A& 0.00 - Ytd - Int o _ oo Taxes 499.08 Loss Draft Rcd ? N - Date - Tr Pdto --- - Tr-Amt --------- Prin - Interest ------ Escrow -- 032806 POA 030406 PAID 1090.36 DUE 1090.36 SHORT .00 THLLEP 12521 032806 SR7 070405 -1090.36 _00 _00 00 032806 UFN 070405 UNAPPLIED FUNDS (3) -1090.36 BALANCE 16.28 032806 SR 070405 .00 _00 _00 _00 032806 UFN 070405 UNAPPLIED FUNDS (3) 1100.00 BALANCE 1106.64 032806 UFU 070405 UNAPPLIED FUNDS (1) -1100.00 BALANCE 0.00 032806 SPA 070405 1000.00 _00 .00 .00 032806 UFU 070405 UNAPPI,IED FUNDS (1) 1000.00 BALANCE 1100.00 032806 SPA 070405 100.00 00 _00 _00 ----? lil3FitlTiHlltS ?' ><i QrriR'}6ntS-? V Message: i) i maY c omm= O MORE .. - Comman(k Submit Reset PrrW i I Rgturn Refresh I P*I Morellp I MoreDomn I fletrreae I ReyTab I NeoTab 1 C&-C4 1 Restart I] a - ;DelayCodas QO Cod= De6AUrr? GITml ,? Production 148 ! I Expand menu tree aindn sin I HSBC MORTGAGE SERVICES INC 201 f A 17035 ? STATES View Domnerts Refresh Alerts PERMAMW FORCED INS COLLECTION NOTE LOAN IDELNQLJENT }30 DAYS ACCT Scrn ' Dsp Order ;R Date 104/13/06 Prt IN Gal iN ^ NBmeMILLER Type 1 Sub 8 Inv 30100 Warn 5 Lock 0 Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/ 04/07 LastPmt 12/07/07 Audit 04/Z3/03 - 9a1 - Prin 94136.66 Esc 0. 00 UnapfCd 0. 00 1 - Uncol- LC o. oo Opt Prd 0. 00 INT 0.00 FEES -13920.30 P&I A& 0.00 - Ytd - int o. oo Taxes 499.o8 Loss Draft Rcd ? N -Date- Tr - Pdto ------ Tr-Amt ------- -- Prin ----- Interest - ----- Escrow -- 041306 PF 040406 7459504.54 95363.46 6105.57 7357734.67 OPT PREMIUMS .00 LATE CHARGE PYNT 300.84 041306 UI 040406 _00 .00 .00 .00 OPT PREMIUMS _00 LATE CHARGE PYMT -300.84* 032806 SRO 090405 -540-42 .00 -00 .00 032806 UF* 090405 UNAPPLIED FUNDS (2) -540.42 BALANCE 537.84 032806 RP 090405 815.39 59.95 755.44 .00 03ZO06 AMC 090405 INTEREST RATE CHG OLD 9.50000 NEW 10.37500 032806 RP 080405 815.39 59.48 755.91 .00 r-arrlCTteMs-?t COrrtr718f1t5-? "? Message: Dismay CowLr= ort MORE... Commatit Submit Reset I Print All Help I RgUn I Rekesh I Priori MoreLlp I MoreDomn I Reoieve 0 PreyTab ( N"tTab I C&-CO I Restart T 0 ;Dew Codes 'C/O Cams Deaf<dt Lino iCIT s Production , _ AWIL AccT Scrn ` Dsp Order R Date lo4lssao6 Prt JN Gal W hlamellILLER Type 1 Sub s Inv 30100 Warn s Lock o Stop ooo St 39 HSBICIqLAY Expand memtree wmdoasize" -Dates- Paid To 11/04/07 ?NextDue 12/04/07 LastPmt lz/o7/o7 Audit 04/23/03 HSBC MORTGAGE SERVICES - Bal Prin 94136.66 Esc o _ oo UnapfCd 0.00 f INC - Uncol - Lc o. oo Opt Prd 0.00 INT 0.00 FEES -13920.30 Account- 7071194 P&I Adv 0.00 r - Ytd - Int o _ oo Taxes 499. os Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow 041306 FE 090405 9.50 36 CORP ADV 1 041306 FE 090405 9-50 36 CORP ADV 1 View DOcumer$s ? 041306 FE 090405 9.50 36 CORP ADV 1 041306 FE 090405 9.50 36 CORP ADV 1 Refresh Aleft 041306 FE 090405 9.50 36 CORP ADV 1 041306 FE 090405 9.50 36 CORP ADV 1 PEfWNENT FORCE INS CCtL1 ECTbN 041306 FE 090405 15.00 34 FAX PAYOFF STATEMENT 1 NpT 041306 FE 090405 1.50 33 PROP INSPECTION PHOTO LOAN 041306 FE 090405 9.00 11 PROP INSPECTION FEE IDEL NQLJEW o30 DAYS Comments-11 Cnmrnents-2 _ . Message: DISPLAY COMPLETE OR MORE_ Commaitt SLhrrat Reset PrmtU Help I R.Ttwn I Refret C RjorI Morellp I MoreDo.Wn i Reprieve ] ReyTab Nc$Tab CancaJ Restart T? 0 ,'Del Co 40 Cates 6e6A [in f CIT Os I ?` Pr via Nea Production ? . HSBC ACCT Scrn Dsp j Order p, Date I04l13J06 Prt FN Eal u AWL IVameHILLER Type 1 Sub 8 1nV 30100 Warn 5 Lack 0 Stop 000 St 39 Expand mem't"eemu'OWsize. )> -Dates- Paid To 11/04f07 Ne)tDue 12/04/o7 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES -gal- Prln 94136 - 66 Esc a. oo UnapfCd 0_00 f INC Uncol- Le o.oo Opt Prd 0-00 INT 0.00 FEES -13920.30 Accotim: 7071194 1 P&I A& 0-00 i ?i - Ytd - Int o- oo Takes 499. oe Loss Draft Rcd ^ N Date- Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow - 041306 FE 090405 100-00 40 EXPENSE ADVANCES L1NIM aI. TATM 041306 FE 090405 150-00 40 EXPENSE ADVANCES View Documents 041306 FE 090405 125-00 40 EXPENSE ADVANCES qVi_ 041306 FE 090405 765-64 40 EXPENSE ADVANCES Refresh Alerts 041306 FE 090405 2550-00 40 EXPENSE ADVANCES - 041306 FE 090405 100-00 40 EXPENSE ADVANCES PERM4{?PJT 041306 FE 090405 9-50 36 CORP ADV 1 FORCED INS CO 1 rWc'irn_N iPO& 041306 FE 090405 9-50 36 CORP ADV 1 40AN 041306 FE 090405 9-50 36 CORP ADV 1 DELMK JEW >30 IIIIII DAYS I s ? ? I ?fifr}Ent?'? C OrrtitteMs?i ? € McSSa"' D I SPLAY COWLETE OK mm . - - Gommanck SIB Reset PrrrW Help I Fighmn Refrct I Prior MoreUp I MoreDcffn Reprieve I PreYTab ( NeyTab I Carctj I Restart T) ?' h l ; Cotes `Geaftu1t Lin ICIT80 ("? _ Production HSBC Expand menu tree vmmW w size > > HSBC MORTGAGE SERVICES INC a ? .ST 1'AU155 L?7,TA?FJ View Documents Refresh Alerts PERMANENT FORCED INS COLLECTION NOTE WAN ,pEL±j2,CNT >30 DAYS ACCT Scrn Dsp Order iR Date 104/13/06 Prt IN Bal iN A NameRILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Bal - Prin 94.136-66 Esc o. oo UnapX-A 0- 00 - Uncol - Lc 0-00 OptPrd 0-00 INT 0.00 FEES -13920.30 P&I Adv 0-00 - Ytd - Int o- oo Taxes 499.08 Loss Draft Rd ? N - Date - Tr - Pdto - ----- Tr - Amt --------- Prin ----- Interest ------ Escrow -- 041306 FE 090405 1393-30 167 CORP ADV 6 SC UT ETC 041306 FE 090405 1470-20 166 CORP ADV 5 CO Cl TVN 041306 FE 090405 1.00 166 CORP ADV 5 CO CI TVN 041306 FE 090405 512.32 166 CORP ADV 5 CO CI TVN 041306 FE 090405 1656-00 164 CORP ADV 3 F/P HAZARD 041306 FE 090405 1723-00 164 CORP ADV 3 F/P HAZARD 041306 FB 090405 100.00 40 EXPENSE ADVANCES 041306 FE 090405 SSO-00 40 EXPENSE ADVANCES 041306 FE 090405 150-00 40 EXPENSE ADVANCES C;tTt7 mant5-1 fi0rmtl' eats-2 v _ -- Message: DISPLAY COWLETL ox HORL- - - Commarmt Sr ait Rem' prom H* I Ran I Rehesb ( P?*x I MoreUp tAmeDomn I Retrieve I ReyTab I Ne*Tab I I Rextad I T 10 Delay Codes 1 CIO camas ; eam Lin ? I i C I? T COs E "• Production HSBC4M Expand menu tree window sine > > i HSBC MORTGAGE SERVICES INC a ? 2131 LOIf?l4PST MEMIAWSMM :OA 17ti5-5 LFNTrmS RTES View Documerds Refresh Alerts PER)40 ENT FORCED INS ? COLLECTION NOTE LOAN DELINQUENT >30 ? DAYS i ACCT {® Scrn Dsp Order IR Date 104/13/06 Prt jN Bal N NameMILLER Type 1 Sub e Inv 3oloo Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04....+07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 i -Sal- Prin 94136.66 Esc o. oo UnaplCd 0.00 f - Uncol- Lc o_00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&IA01 0.00 - Ytd - Int o. oo Taxes 49.9-o8 Loss Dratt Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 041306 FR 090405 -9.00 11 PROP INSPECTION FEE 041306 SRO 090405 -7459504.54 -95363.46 -6105.57 -7357734.67 OPT PREMIUMS .00 LATE CHARGE PYNT -300.84 - 041306 UI 090405 _00 .00 .OO _00 OPT PREMIUMS .00 LATE CHARGE PYNT -300.84* 041306 AA 090405 .00 _O1 _00 _00 041306 AA 090405 .00 -.O1 .00 _00 041306 FP 090405 27.00 5 RELEASE FEE 041306 FE 090405 1.00 167 CORP ADV 6 SC UT ETC Comments--1 Gummet ts-2 v Message: DISPLAY COUP= OR HORS Cornmantk Submit < Reset I PrintA& Help I R.2tm I Rekesb I P*j MoretJp I MoreDogn I Reprieve I PreyTab I 'N*Tab I C tmj I Restart I T 10 !Delay Codos 10 colh$ beaW lirry i tGkTB00s j i^' Production iHSBC 4D >d menu tree window size » HSBC MORTGAGE SERVICES INC 2m WX:39lU -fA I M 1EDST&TE View Doeumerts Refresh Alerts PERNIMENT FORCED INS COLLECTION LOAN DELMdQLIENT }30 DAYS Pr vio ACCT Scrn Dsp 1 Order 'R Date 104{13706 Prt IN Bat IN NameMILLER Type 1 Sub e Inv 30100 Warn 5 Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04!07 LastPmt 12/07/07 Audit 04123/03 - Bat - Prin 94136.66 Esc o. oo tJnap/Cd 0.00 1 - Uncoi - Lc o.oo Opt Prd 0.00 INT 0.00 FEES -13920.30 P8d Adv 0.00 - Ytd - Int o _ oo Taxes 499. os Loss Draft Rcd ? N - Date-- Tr - Pdt0 - ----- Tr - Amt --- ------ Prin ----- Interest -- ---- Escrow - 041306 FR 090405 -1.00 167 CORP ADV 6 SC UT ETC 041306 FR 090405 -1393.30 167 CORP ADV 6 SC UT ETC 041306 FR 090405 -1470.20 166 CORP ADV 5 CO CI TWN - 041306 FR 090405 -1.00 166 CORP ADV S CO CI TWN ,041306 FR 090405 -512.32 166 CORP ADV 5 CO Cl TWN 041306 FR 090405 -1656.00 164 CORP ADV 3 F/P HAZARD 041306 FR 090405 -9.50 36 CORP ADV 1 041306 FR 090405 -15.00 34 FAX PAYOFF STATEMENT 041306 FR 090405 -1.50 33 PROP INSPECTION PHOTO CammerAS- i Cornrrrents- ••' messaw: DI3PL8Y COMPLETE DEC MORE... Coffunan d-. 8 SLlbrnit RexeA PrinW;I Help I Rgtum I Refresh I Prior I MoreUp I MoreDq en I Reyiewe t Pre_vTab I NestTab I Cancel I Restart J T 10 Delw Codes CIO Do" ti, t I s ' codes 14 F Production D .. HSACCT ;? Scrn j Dsp 1 Order R Date i04r13ro6 Pd N Bal iN ^ NameHILLHR Type 1 Sub s Inv 30100 Warn s Lock o Stop ooo St 39 %a menu tree Wu&w size » -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - Bal - Prin 94136.66 Esc o. o0 UnaplCd 0.00 ! INC - Unrol - Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 ?- Account: P&I A& 0.00 - Ytd - Int o _ oo Taxes 499. os Loss Draft Rcd ? N -Date- Tr - Pdto ------ Tr-Amt -------- Prin ----- Interest ----- Escrow 041306 FR 090405 -765.64 40 EXPENSE ADVANCES 041306 FR 090405 -125.00 40 EXPENSE ADVANCES View Docuri4fts ? 041306 FR 090405 -150- 00 40 EXPENSE ADVANCES 041306 FR 090405 -100.00 40 EXPENSE ADVANCES Refresh Alerts 041306 FR 090405 -150.00 40 EXPENSE ADVANCES ?' - - 041306 FR 090405 -550.00 40 EXPENSE ADVANCES 041306 FR 090405 -100.00 40 EXPENSE ADVANCES FORCED WS COLLECTION NOTE 041306 FR 090405 -1723.00 164 CORP ADV 3 F/P HAZARD 041306 FR 090405 -27.00 5 RELEASE FEE LOAN jDNT m3p corr?tnssrts-l C omm eats-2 Message: DI3PLAY CUHPLLTE OR HURL_.. Command: SLbn it Reset PrinW Help I Rpun , Refret I Prjor1 MoreUp I MoreDo mn I Retrieve j Pre_yTab i NeldTab Canc?ej i Restart' T C' - - D a Cods !0 Qqdm -Deaf Unf CIT s r i 'Production HSBC 4M Fxp" menu flee window size >> I HSBC MORTGAGE SERVICES INC t foot 0 =0401 Al 2113 ST ?,A IM5 View Dooiments Refresh -Alerts PERMANENT fORCED INS COLLECTIM NOTE IRAN jDELIN(MNT >30 i DRYS Previous ACCT Scrn ` Dsp Order jR Date 104/13/06 Prt iN Bal jN ^ Name MILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid TO 11104/07 Next DUB 12/04/07 LastPmt 12/07/07 Audit 04123/03 -Bal- Prin 94136.66 Esc 0.00 UnaplCd 0.00 f - Uncol - Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 - Ad - Int o _ oo Taxes 499.08 Loss Draft Rcd ^ N -Date- Tr - Pdto ------ Tr - Amt --------- Prin -- -- interest ------ Escrow -- 041306 FR 090405 -9.50 36 CORP ADV 1 041306 FR 090405 -9.50 36 CORP ADV 1 041306 FR 090405 -9-50 36 CORP ADV 1 041306 FR 090405 -9-50 36 CORP ADV 1 041306 FR 090405 -9-50 36 CORP ADV 1 041306 FR 090405 -9.50 36 CORP ADV 1 041306 FR 090405 -9.50 36 CORP ADV 1 041306 FR 090405 -100.00 40 EXPENSE ADVANCES 041306 FR 090405 -2550.00 40 EXPENSE ADVANCES CnfftrrESnt?-:'f C ommar3 „v IINeSS"S. IIISPLAT COMPLrTZ 9Tt KOM... Command: Sub* Reset Prmm Help 1 Rgtcan i Refret I P*I Mmllp I MoreDolyn I Retrieve I ReyTab I NegtTab CarncO I Restad I TI 0? 1 Coe !C 0 Cams GeaM line !CITBOs ^! I? Production 14'SBC 4D Expand menu flee erindoa six ? i HSBC MORTGAGE SERVICES INC iii ...... ?. 3Q2' ST '1?t335 View Documents Refresh Alerts PERMANENT FORCED NS I COLLECTION NOTE LOAN LINQLeW >30 DAYS ACCT Scrn ! Dsp Order R Date 104/24/06 Prt fN 6al IN ^ NameMILLER Type 1 Sub s Inv 30100 warn s Lock o Stop 000 St 39 - Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - eal - Prin 94136- 66 Esc o_ oo UnapfCd 0.00 -Uncol- Lc 0-oo OptPrd 0.00 INT 0.00 FEES -13920.30 P &1 Adv 0.00 - Ad - Int o _ oo Taxes 499.08 Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 042406 UFN 090405 UNAPPLIED FUNDS (3) 16.28 BALANCE 16.28 042406 UF* 090405 UNAPPLIED FUNDS (2) 537.84 BALANCE 537.84 042406 ITR 090405 OLD INV 50010 11120 P-BAL 95363.46 INT _00 NEW INV 30100 11120 PERCENT OWNED .0000 ACTION CD 000 042406 RT 090405 -1979.50 _00 -00 00 042406 UFI 090405 UNAPPLIED FUNDS (4) -1425.38 BALANCE 0-00 042406 UYN 090405 UNAPPLIED FUNDS (3) -16.28 BALANCE 0.00 042406 UF* 090405 UNAPPLIED FUNDS (2) -537.84 BALANCE 0-00 041306 FR 090405 -9.50 36 CORP ADV 1 Comments-1 1MeSSage: D29PL&V COKPLETE Ox HORS... COIItt1UllNx 7S1At7t[Ift Reset I PrmtM I Help I FISh= I Reffett 1 Prptl MoreUP I I!AMDOgn I Retrieve I Re-yTab I NepTab I Calcl ) Restart I Tj O Deimr C'W" CIO Codes Clea t l ? ?G? IT800a ?'? Production 44SBC Expand mom tree window size HSBC MORTGAGE SERVICES INC Account: T62ST' T OWET F?A 17433 TjN T rD STATES ACCT 1?? Scm 1 Dsp 1 Order !.R Date 104/28/06 Prt IN Bal jN ^ NameMILLER Type 1 Sub 8 InV 30100 Warn 5 Lock 0 Stop 000 St 39 -Dates- Paid To 11/04/07 NextDtre 12/04/07 LastPmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnapfCd 0.00 f - Uncol- Lc o.oo Opt Prd 0.00 INT 0.00 FEES -13920.30 P&l Ada 0.00 - Ytd - Int o. 00 Taxes 499. O8 Loss Draft Rcd ? N Date- Tr - Pdto ------ Tr - Amt ------- -- Prin ----- Interest - ----- Escrow -- 042806 FE 090405 9.50 36 CORP ADV 1 042806 SR7 090405 -85.50 .00 .00 .00 View Docimer$s 042806 UFI 090405 UNAPPLIED FUNDS (4) -85.50 BALANCE 1339.88 042606 SR 090405 1425.38 _00 _00 _00 Refresh Alerts - - - - 042606 UFI 090405 UNAPPLIHD FUNDS (4) 1425.36 BALANCE 1425.36 042606 SR7 090405 -1425.38 _00 _00 _00 PERkb41 FCRC? INS CO CM N 042606 UFI 090405 UNAPPLIHD FUNDS (4) -1425.38 BALANCE 0-00 . ?TE 042406 PT 090405 1979.50 _00 .00 _00 AN 042406 UFI 090405 UNAPPLIHD FUNDS (4) 1425.38 BALANCE 1425-38 ;DELIIQLENT >30 AY - ' C©mmarst?-? Comments-2 ,r Message: DimhY comPl E _ k13C FIORE... Command: Submit Rese#j Pr:l Heip I Rgturn I Refret I Rr xI MoretJp M mDolgn I Red me I PreYTab I NextTab, Cancel I Restart T? 0 Delav Gores ICIO Cafes ?DedALin? - C} FTB00 - I^? Production HB Expand menu tree window size > > I HSBC MORTGAGE SERVICES l INC i lal T) D ' ST FA 4 M53 ! Lt?iT'H3 Si'ATFS ? a View Documents Refresh Alerts w, IN ACCT Scrn Dsp Order R Date 104/28/06 Pit IN Bal IN tdameMILLER Type 1 Sub 8 Inv 30100 Warn 5 Lock o Stop 000 St 39 -Dates- Paid TO 11/04/07 hlextDue 12/04/07 LastPrnt 12/07/07 Audit 04/23/03 - Hal - Prin 94136.66 Esc o. oo Unap/Cd 0.00 f - Uncol Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&t Ady 0.00 - Ytd - Int o _ oo Taxes 499.08 Loss Draft Rcd'? N -Date- Tr Pdt>3 ------ Tr-Amt --------- Prin ----- Interest ------ Escrow 042806 UFI 090405 UNAPPLIED FUNDS (4) -1339.88 BALANCE 0.00 042806 FE 090405 9.50 36 CORP ADV 1 042806 FE 090405 9.50 36 CORP ADV 1 042806 FE 090405 9.50 36 CORP ADV 1 042806 FE 090405 9.50 36 CORP ADV 1 042806 FE 090405 9-50 36 CORP ADV 1 042806 FE 090405 9.50 36 CORP ADV 1 042806 FE 090405 9-50 36 CORP ADV 1 042806 FE 090405 9-50 36 CORP ADV 1 CQrnments- Me$$agle: DISPLLy COHPL= QR.. MORE... Commanrt Subrrrt Reset I PrHA! H* Rttm Rekmh "I Prot ) MoreUp I MoreDoffn ! Retrieve I PreyTab J Ne2itTab Cancel I Restart T 0' ?D a? y Cod% C/o cockm I GeOA Lm o- -- CIT E Production IHSBC Expand menu Vee euinQoeu size » I HSBC MORTGAGE SERVICES INC Account: View D=eems Refresh Alerts I PERM AWK FOR( IRIS COLLECIM4 > LOAN DELhQJENT }30 i Accx Scrn Dsp' Order IR Date Ios/o2/06 Ptt ix Sal iN ^ NameMILLER Type 1 Sut 8 Inv 3oloo Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 NextDue 12/04/07 LastPmt 12/07/07 Audit 04/23/03 - Bal - Prin 941.36-66 Esc o. oo UnaplCd 0- 00 / -'Clncoi - Lc o. oo Opt Prd 0-00 INT 0.00 FEES -13920- 30 P&I Adv 0-00 - Ytd - Int o - oo Taxes 499 - 08 Loss Draft Rcd ? N -Date- Tr Pdto ------ Tr-Amt --------- Prin ----- Interest ----- Escrow -- 050206 UFN 090405 UNAPPLIED FUNDS (3) 200-00 BALANCE 216-28 042806 FE 090405 164.88 40 EXPENSE ADVANCES 042806 FE 090405 125-00 40 EXPENSE ADVANCES 042806 FE 090405 150.00 40 EXPENSE ADVANCES 042606 FE 090405 100-00 40 EXPENSE ADVANCES 042806 FE 090405 150-00 40 EXPENSE ADVANCES 042806 FE 090405 550.00 40 EXPENSE ADVANCES 042806 FE 090405 100-00 40 EXPENSE ADVANCES 042806 SR7 090405 -1339-88 00 00 -00 nmments-l C ariamerrts-2 v, Message: DIEPLAY'comm OR MORE Command: SrPornit Reset PrinWI H* I RCtm I Rehet I Priori Mlardlp I MoreDcffn I Reprieve I PreyTab I Ne#Tab I Coru:ef Restart I T10 ?, ]Delay Codes ID codes ? IDealWt Lin o k Ir.?T 800s Production HSBC &p*d menu tree window size > HSBC MORTGAGE SERVICES INC Account: i, , 101.1.0)OW ST 1 ?$? 33$35 View Docurner#s Refresh Alerts PERMAWNT FORCED INS 1 COLLECTION NOTE LOAN _ DELNGUENT }30 DAYS ACCT Scrn I Dsp Order !R Date TOSIo2JO6 Prt IN Bal iN NameMILLER Type 1 Sub 8 InV 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnaplCd 0-00 .( - Uncol - LC o. 00 "Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I AdV 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ^ N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 050206 UF* 100405 UNAPPLIED FUNDS (2) 214.74 BALANCE 752.58 050206 RP 100405 875.62 51.12 824.50 _00 050206 AMC 100405 P&I PYMT CHG OLD 815.39 NEW 875.62 050206 POA 040406 PAID 1090.36 DUE 1090.36 SHORT 00 TELLER 30166 050206 SR7 090405 -1090.36 _00 _00 _00 050206 UFN 090405 UNAPPLIED FUNDS (3) -1090.36 BALANCE 125.92 050206 SR 090405 1000.00 _00 _00 .00 050206 UFN 090405 UNAPPLIED FUNDS (3) 1000.00 BALANCE 1216.28 050206 SR 090405 200.00 _00 DO _00 '. omrn ants-1 Comme#ft-2 v' McSSap: D I3PLAY COfML'TE ....... 4Y...... HORS Commarxk Sr X Reset I PnMM I Help I Rsinrn I Refresh J Plprj MoreUp I kloreDowm I Retrieve I PreyTab ! NegTab I CancO Rettavt T10; ? iway Codes ? 10 cmdes DeaW Lin r _ IT Os ^ Production HSBC 4D Enmg mem tree udndow sae » I HSBC MORTGAGE SERVICES INC Account: r a 2{dY : 'Z UNIM STATES View Doeumerds I Refresh Alerts ACCT J® Scm Dsp I Order IR Date Io7f27/o6 Prt IN Bal IN ^ NameHILLER Type 1 Sub 8 InV 30100 Warn 5 Lock 0 Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 1 Z/04/07 Last Pmt 12/07/07 Audit 04/23/03 -Sal- Prin 94136.66 Esc o. oo UnapfCd 0.00 f - Uncol- Lc o. oo Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Ad%f 0.00 - Ad - Int o _ oo Taxes 499.08 Loss Draft Rcd ^ N - Date - Tr Pdto - ----- Tr - Amt ----- ---- Prin ----- Interest ------ Escrow - 072706 UFN 120405 UNAPPLIED FUNDS (3) 1000.00 BALANCE 2125-92 072706 SR 120405 1000.00 _00 -00 .00 072706 UFN 120405 UNAPPLIED FUNDS (3) 1000.00 BALANCE 1125-92 051206 SR 120405 264.20 00 _00 .00 051206 UF* 120405 UNAPPLIED FUNDS (2) 264.20 BALANCE 1016.78 051206 RP 120405 875.62 52.01 823.61 .00 051206 RP 110405 875.62 51.57 824.05 _00 051206 PRE 030406 PAID 2015.44 DU E 307.66 OVER 1707-76 TELLER 26843 050206 SR 100405 214.74 00 _00 .00 Corrnm e nts-1 Comments-2 v Message. zrsimAY Co6rPLETL 01K e r=._. Command submit Resat Pri,w Help I Rgturn I Refret I P*I MoreUp I MoreDomn I ReAriem 1 PreyTab I NegTab I Cart* I Reitart I T 0j DeW e s to DeaW tai ICIT L?`i Production HSBC EKMd menu tree vAndm sae > > '' HSBC MORTGAGE SERVICES INC Account 7071194 201 i?3l+i ?T l UN=-gTATfS View Documents j a Refresh Aterts PERMANENT FORCED INS COLLECTION LOAN 'DELI IQJENT >30 DAYS NeA ACCT Scrn ' Dsp 1- Order iR Date 10772?/06 Prt !N Bal jN NameMILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Ne:?tDue 12/04/07 LastPmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnaplOd 0.00 f - Uncol- Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&IAdv 0.00 - Ad - Int o _ oo Taxes 499.Oe Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin - -- Interest ------ Escrow -- 072706 SR 010406 214.74 00 _00 _00 072706 UFx 010406 UNAPPLIED FUNDS (2) 214_74 BALANCE 1231.52 072706 RP 010406 875.62 52.46 823.16 _00 - 072706 POA 050406 PAID 1090.36 DUE 1090.36 SHORT _00 TELLER 30166 072706 SR7 120405 -1090.36 _00 _00 _00 072706 UFN 120405 UNAPPLIED FUNDS (3) -1090.36 BALANCE 1235.56 072706 SR 120405 200.00 _00 _00 _00 072706 UFN 120405 UNAPPLIED FUNDS (3) 200.00 BALANCE 2325.92 072706 SR 120405 1000.00 _00 -00 _00 ?nitnments-1 _. ?CvrNmeflts-2 ?' McSSaW DISPLAY COMPLETE OK BORE-_. Command: Submit' Reset PnnW . Heip I Rgturn Refresb I Priori Moretlp ( MoreDosyn I R*eve ) PmyTab NegjtTab I I Restart I T10 1polm Cod" ?c/o c o Lin Production HSBCl,d"v&kr pgmW menu tree window size >> HSBC MORTGAGE SERVICES INC 7071194 { 231' 1_0N,'ST M 170§ UN=.STATM .? View Documents Refresh Alerts ACCT Scrn F Dsp ( Order ?R Date i09/14/06 Prt IN Bal N NamerrlLLER Type 1 Sub e InV 30100 Warn 5 Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04107 Last Pntt 12/07/07 audit 04/23/03 Bal- Prfn 94136-66 ESC 0.00 UnaplCd 0.00 ! -Uncol Lc O.OO OptPrd 0.00 INT 0-00 FEES -13920-30 P&I Ady 0-00 - Ytd - Int o- oo Taxes 499-o8 Loss Draft Rcd ^ N Date Tr - Pdto --- -- Tr - Amt --------- Prin ----- Interest ------ Escrow 091406 UFN 020406 UNAPPLIED FUNDS (3) -145.22 BALANCE 0-00 091406 SR 020406 -00 .00 -00 -00 072706 SRO 020406 -335-28 -00 -00 .00 072706 UF* 020406 UNAPPLIED FUNDS (2) -335-28 BALANCE 896-24 072706 FE 020406 550.00 40 EXPENSE ADVANCES n 072706 RP 020406 875-62 52-91 822-71 .00 PER#dbAthlT 072706 POA 060406 PAID 1090-34 DUE 1090-34 SHORT -00 TELLER 30166 I FORCED INS COLLECTION NOTE 072706 SR7 010406 -1090.34 -00 -00 _00 40AN ? 072706 UFN 010406 UNAPPLIED FUNDS (3) -1090.34 BALANCE 145-22 (DELINQUENT >30 DAYS _._:_?_ GDtttmBntsr?. Cammerds- r v' ? --- Message: DISPLAY COmPLrfz OR Command Sutm Resat, Print All Help ! Rgturn I Rafret , Prjor j MoreUp I MoreDo,&m I Redeye I ReYTa6 NegtI ab 'cue! I Restart I T 0 } -- (ela Codes 010 'Death Un o. CIT s ilw' Production HSBC 4D Eatpmd menu tree wkWom size >> HSBC MORTGAGE SERVICES INC MOTF ACCT 1111iff- Scrn Dsp I Order iR Date 11/30/06 Prt ; N Sal IN ^ NameYII LLER Type 1 Sub 8 In! 30100 Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04107 LastPmt 12/07/07 Audit 04/23/03 Sal- Prin 94136-66 Esc 0.oo UnaplCd 0.00 1 - Uncol - Lc 0.00 Opt Prd 0- 00 INT 0.00 FEES -13920.30 P&1 Ady 0.00 - Ytd - Int 0.00 Taxes 499.08 Loss DraftRcd ? N -Date- Tr - Pdto - ----- Tr - Amt ------ --- Prin ----- Interest ------ Escrow -- 113006 SR 020406 4000.00 .00 .00 .00 113006 UFN 020406 UNAPPLIED FUNDS (3) 4000.00 BALANCE 5876.00 113006 SR 020406 938.00 .00 .00 .00 113006 UFN 020406 UNAPPLIED FUNDS (3) 938-00 BALANCE 1876.00 113006 SR 020406 938-00 .00 _00 .00 113006 UFN 020406 UNAPPLIED FUNDS (3) 938.00 BALANCE 938.00 102406 FB 020406 1685.00 16 4 CORP ADV 3 F/P HAZARD 091406 SR 020406 -00 .00 -00 .00 091406 UFO 020406 UNAPPLIED FUNDS (4) 145.22 BALANCE 145-22 C 0rfllT ems-2 MBSSBge: DISPLAY LOMPLETS OK MORE.-. eomrnan . Slot Reset PrinUkl H*I figtrxo I Refresh ( -Ptjori MweUp i tMofeDoL*n I Reyimm I PmyTab NemtTab I Canes I Restart I T] 0' - ? D C!0 Gadas _ DeaW Lino ? CITJ Os ! ' r Droduction 14SBC EnK4 menu tree amdow size » ISBC MORTGAGE SERVICES INC PERMANENT COLLECTION NOTE ACCT Scrn Dsp I Larder IR Date i12t04/06 Prt ;N Bal iN ^ NameMILLER Type 1 Sub e Inv 3oloo Warn s Lock o Stop 000 St 39 Dates- Paid To 11/04/07 Next Due 12/04/07 LastPrnt 12/0707 Audit 04/23/03 Bal - Prin 94136.66 Esc o. oo lJnapJCd 0-00 f -Uncol- Lc o.oo OptPrd 0.00 INT 0.00 FEES -13920.30 P&1 A& 0.00 - Ytd - Int o. oo Taxes 499-o8 Loss Draft Rcd " N Date- Tr - Pdto ------ Tr - Amt --------- Prin ----- Interesi ------ Escrow -- 120406 UF* 030406 UNAPPLIED FUNDS {2) 61.04 BALANCE 957.28 120406 RP 030406 875.62 53.37 822.25 .OO 120406 AMC 030406 INTEREST RATE CHG OLD 10.37500 NEW 11.25000 120406 POS 070406 PAID 936.66 DUE 936.66 SHORT .00 TILLER 26843 120406 SR? 020406 -936.66 .00 00 .00 120406 UFN 020406 UNAPPLIED FUNDS (3) -936.66 BALANCE 5084.56 113006 SR 020406 .00 .00 _00 .00 113006 UFO 020406 UNAPPLIED FUNDS (4) -145.22 BALANCE 0.00 113006 UPN 020406 UNAPPLIED FUNDS (3) 145.22 BALANCE 6021.22 Cnmmettts-1 C ornm elms- 3 Message: D I3mim ComPLLSE ox 1lQRE _ _ . Command Stabt[ut Reset print m, Help] RVurn I Remt I Prlarl MoreUp I MoreDorn I Reprieve I PreyTab I <NVTab Cancel ( Restart I T}d - - - ----- - ------- Delw Codes Deaik Lin ? +CIT80Os ?!` 7ev' s _ Next Production T I l S B C 1AL"Dr Fond menu tree edr? - siae » I HSBC MORTGAGE SERVICES INC 3(31 UN=STATES View Documents Refresh Alerts ACCT I ® Scrn ' Dsp' Order !R Date 12/04/06 Pit IN Bal IN NameMILLER Type 1 Sub 8 Inv 3010o Warn 5 Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 1Z/04/07 LastPrnt 12/07/07 Audit 04/23/03 - Bal - Prin 94136- 66 Esc o. oo Unap/Cd 0-00 1 - Uncol - Lc 0- 00 Opt Prd 0-00 INT 0- 00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Drafl Rcd ? N - Date - Tr - Pdto - - --- Tr-Amt ------- -- Prin ----- Interest - ----- Escrow -- 120406 POS 090406 PAID 936.66 DUE 936.66 SHORT .00 TELLER 26843 120406 SR7 040406 -936.66 .00 -00 -00 120406 UFN 040406 UNAPPLIND FUNDS (3) -936.66 BA LANCE 3211.24 120406 RP 040406 936-66 45-57 891.09 .00 120406 AMC 040406 PGI PYNT CHG OLD 875-62 NEW 936-66 120406 POS 080406 PAID 936-66 DUE 936-66 SHORT -00 TELLER 26843 120406 SR7 030406 -936.66 .00 .00 .00 120406 UFN 030406 UNAPPLIED FUNDS (3) -936.66 BA LANCE 4147.90 120406 SR 030406 61-04 .00 .00 -00 Camm e nts- Camments-3 v Message: D i 8B m CommE n 03C _ RM - - - Comtnarit St&M Rest PrinWl .Help I Rjttum I Rah-ti I Priori MoreUp I MoieDogin R,*ien I Pre?yTab I NegTab I Canc:O I Re tart I T10 I j e s ICIQ Galas 6e" Gn ? 12 >W- _^ Production 14SBC 4? rya mom tree window size > > I HSBC MORTGAGE SERVICES INC 2Y7flmm Pd41M ,UNTI?WZTATEti View Docunerts Refresh Alerts fORCED INS CO LUKCTKA LOAN DELINGLEW >30 AY ACCT Scrn Dsp I-- Order iR Date !12/04/06 Prt IN Gal IN ^ NameHILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136- 66 Esc o. oo UnapfCd 0.00 1 - Uncol - Lc 0.00 Opt Prd 0.00 INT 0-00 FEES -13920.30 P&I A& 0- 00 - Ytd - Int o- oo Taxes 499-o8 Loss Drafl Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Phn ----- Interest ------ Escrow -- 120406 SR7 060406 -989-51 -00 -00 -00 120406 UFN 060406 UNAPPLIED FUNDS (3) -989-51 BALANCE 1232-22 120406 SR 060406 52-85 -00 -00 .00 120406 UF* 060406 UNAPPLIED FUNDS (2) 52-85 BALANCE 1010-13 120406 RP 060406 936.66 46-42 890-24 -00 120406 POS 100406 PAID 989.51 DUE 989.51 SHORT -00 TELLER 26843 120406 SR7 090406 -989-51 .00 .00 .00 120406 UFN 050406 UNAPPLIED FUNDS (3) -989.51 BALANCE 2221.73 120406 RP 050406 936.66 45-99 890-67 -00 COmmef?#s-1 c ornm eats-3 Message. Dim= cow Lm OX HOPX... Command -F-Se Resat I P*tAl Help I Rgtran , Reiret I Prim] M-mUp I MoreDoWn I Retrieve I PmyTab I Ne,*Tab 1 Peel I Restart IT 10 De s iary Co ! 0 Ood 1DeaM Lin ? jCITB00s 11'?r Production HSBCNAY Expand menu tree window Sin >r 1 HSBC MORTGAGE SERVICES INC lowl t RiSENTV911111111MR 2m W ST ?,A.17Et55 LRi= Sn. TES View Dournents Refresh Alerts Previous ^ ACCT Scrn D? Order R Date !12/04106 Prt NameHILL R Type 1 Sub 8 ?plnv 30100 Warn s Lock o Stop ES ju p 000 ?t 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 12/07/o7 Audit 04/23/03 - Bal - Prin 94136.66 Esc o _ 00 UnaplCd 0.00 - Uncol - Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&I Ady 0.00 - Ytd - Int 0.00 Taxes 499.o8 Lass Draft Rcd ? N - Date - Tr - Pdto ------ Tr-Amt --------- Prin ----- Interest ---- Escrow -- 120406 UF* 080406 UNAPPLIED FUNDS (2) 52.85 BALANCE 1115.83 120406 RP 080406 936.66 47.30 889.36 .00 120406 POS 120406 PAID 989-51 DUE 989.51 SHORT _00 TELLER 26843 120406 SR7 070406 -989-51 _00 .00 .00 120406 UFN 070406 UNAPPLIED FUNDS (3) -989.51 BALANCE 242.?1 120406 SR 070406 52.85 _00 _00 _00 120406 UF* 070406 UNAPPLIED FUbIDS (2) 52.85 BALANCE 1062-98 120406 RP 070406 936.66 46-86 889.80 -00 120406 POS 110406 PAID 989-51 DUE 989.51 SHORT -00 TELLER Z6843 Comments-"f, C o rnm ?tt8-? tAeSSage: D 13PLLV COMPLETE OR Qom. . - . Command: Subir it Reset Pant Heip I RIdurn I Fdresb I P.ijotI M(xetJp I MoreDoNn I Reyieve I PreyTab I 'Ne9Tab I Carrcef I Restart T? 0 Detay Codes !C 0 cocle; I DeaM Lin ? CI IT 8004 ! ?` ----- _ -.-...... ou5 _ Next Production HSBC 6ryand menu tree windoeu size » 3 HSBC MORTGAGE SERVICES INC 261 LONOW Wows View Documents Refresh Alerts PERMANENT FORCED INS rrv! TION NOTE I-OAN I WQLJENT >30 DAY' ACCT Scrn I Dsp I Order IR Date ioi/12/o7 Prt IN Bal N NameMILLER Type 1 Sub e Inv 3o1oo b`Varn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Bat - Prin 94136-66 Esc o.oo UnapfCd 0.00 ? Uncol Lc 0. oo Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I A& 0.00 -Ytd - Int o. oo Taxes 499.08 Lass Dran Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 011207 RP 100406 989.51 41.81 947.70 .00 011207 AMC 100406 Pal PYIIT CHG OLD 936.66 NEW 989.51 011207 RP 090406 936.66 47.74 888.92 00 =( 011207 AMC 090406 INTEREST RATE CHG OLD 11.25000 NEW 12.00000 011207 PRE 040406 PAID 3141-68 DUE 307.68 OVER 2834.00 TELLER 30166 120606 SR 080406 -00 _00 .00 -00 120606 UFO 080406 UNAPPLIED FUNDS (4) 242.71 BALANCE 242.71 120606 UFN 080406 UNAPPLIED FUNDS (3) -242.71 BALANCE 0-00 120406 SR 080406 52.85 .00 .00 .00 --' C?rn?rerts-t e?mmerrts?a Message: DISPLAY COlD?LL1I OK HORS_.. Cgrnrnantt Subnr t Reset PMW H* R¢cxn I Refret Rja I MoreUp + MoreDc"n I Retrieve 1 ReyTab ( t4mtTab I Cancel I Reskart T 0 '- - e s ic10 Goda Dcaft?t Lin ? ? CIT Os t ??:' L ? Next 14SBC Dr+od Expand menu tree window sae > > I iSBC MORTGAGE SERVICES INC ACCT Scrn j Dsp j Order 'R Date o1/31/o? Prt iN Bal iN A': NameNILLER Type 1 Sub a Inv 3o1oo Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Ne)d Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 Bal- Prin 94136.66 Esc o.oo Unap/Cd 0.00 I Uncol- Lc 0.00 Opt Prd 0.00 INT 0-00 FEES -13920.30 P&I Adv 0- 00 - Ytd - Ird a. oo Taxes 499.08 Loss DraftRcd ? N -Date- Tr Pdto ------ Tr - Amt --------- Prin - - Interest ------ Escrow - 013107 FUV 110406 -206S_32 40 EXPENSE ADVANCES 013107 FVV 110406 -15.00 34 FAX PAYOFF STATEMENT 013107 FWV 110406 -1-50 33 PROP INSPECTION PHOTO 013107 FWV 110406 -9.00 11 PROP INSPECTION FEE 011207 SRO 110406 -309.44 -00 _00 _00 011207 UP* 110406 UNAPPLIED FUNDS (2) -309.44 BALANCE 806-39 011207 FE 110406 484.68 40 EXPENSE ADVANCES 011207 FE 110406 50-76 40 EXPENSE ADVANCES 011207 RP 110406 989-51 42.23 947-28 -00 Lnmm8Ftt3-1 Commetlt?? .v! M"Sage: D I3PLAV C OKPLM OR tSORE - - . Commantk Submit Rwot I PrintAII Help I Reran I Refret P* I MoreUp I MmaDtftn I Repieae I PreyTab I NegtTab I CArzo 1 Restart T? ©; pedav Codes c/o Cotes DeaiuM Lin o iCIT s ?'^`` Previous Next Production . J'InL 1 ACCT SCm j Dsp Order IR Date !06113107 Pd N t3a1 IN NameMILLER Type 1 Sub 8 Inv 3oloo Warn S Lock. 0 Stop 000 St 39 Exp M mervu tree Ondow site > > I -Dates- Paid To 11/04/07 Next Due 12/04107 Last Pmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - Hal . Prin 94136.66 Esc o. oo UnaplCd 0.00 INC - Uncol - Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 Account: 7071194 P&I A& 0.00 301 Ytd - tnt o. oo Taxes 499.08 Loss Draft Rcd ? N Date- Tr - Pdto - ----- Tr - Amt --------- Prin ----- Interest ------ Escrow -- A MfFTEl? TA1;rs 032107 SR 110406 240.92 .00 .00 .00 032107 UFx 110406 UNAPPLIED FUNDS (2) 240.92 BALANCE 806.39 View Doaxnents 032107 POS 010407 PAID 240.92 DUE 989.51 SHORT - 00 TELLER 12677 - 032107 SR? 110406 -240.92 00 _00 00 Refresh Alerts - --- 032107 UFx 110406 UNAPPLIED FUNDS (2) -240.92 BALANCE 565.47 013107 FE: 110406 2065.32 40 EXPENSE ADVANCES P RRdANENT FORCED INS COLLECTION 013107 YWV 110406 -100-00 40 EXPENSE ADVANCES NOTE 013107 FE 110406 100-00 40 EXPENSE ADVANCES LOAN 013107 FTV 110406 -100.00 40 EXPENSE ADVANCES 1DELWQUENT>30 DAYS r:nrnmerfts? Currnments=2 } Message; z I3PLm COHPLLTE 0X HOIiL . _ . Commanrk Submit Reset Pri. A! Help I RSturn I Retret I PtyxI pdoreUp I MoreDojyn I Reyewe I PreyTab I Ne*Tab I C&-u*_ <Restart I TI O Delay Cod IC O Code,, I6eafult Lin ? ? iCIT ONs 1 Previous Ne>d Production l u ACCT ameMILLER C pspr iR Date 0 Lock Prt x 6a1 ?N HSBC N Type 1 Sub 8 lnv 30100 Warn 5 LOCtt OCtt 0 Stop 000 St 39 Expand menu tree 4*400size »1 -pates- Paid TO 11/04/07 Next Due 1Z/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - Hal- Prin 94136.66 Esc o. oo Unapf0d 0.00 INC 1 -Uncol Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920-30 i T68WW?-JR I P&I Adv 0.00 a}Y ST - Ytd - Int o. oo Taxes 499. o8 Loss DraftRcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin - - Interest - -- Escrow -- 092707 UF* 110406 UNAPPLIED FUNDS (2) 806.39 BALANCE 806.39 L32ME)STAM 092707 UFU 110406 UNAPPLIED FUNDS (1) -1049.10 BALANCE 0.00 View DcrcwnerAs 082207 SR 110406 _00 .00 _00 _00 082207 UFO 110406 UNAPPLIED FUNDS (4) -242.71 BALANCE 0.00 Refresh Alerts 082207 IIF* 110406 iRJAPPLIED FUNDS {2) -806.39 BALANCE 0.00 082207 UFU 110406 UNAPPLIED FUNDS (1) 1049.10 BALANCE 1049.10 PERMAItiiFNf 080607 FE 110406 3016.08 166 CORP ADV 5 CO Cl TWN FORCED IRIS COLLECTION NO FF 061307 FE 110406 897.62 40 EXPENSE ADVANCES AN 061307 PRE 050406 PAID 897.62 DUE 307.68 OVER 589.94 TELLER 12853 !DEUNQUENT >30 E _ DAYS Comments-4' C o mmerds-3 v Message: z,iSBLBY: ?cow := . ox KOPX... _Command: Submit Reset PmAll Help I Rgturn J Refret I Priori MoreUp I MoreDomn I R46eve I PreyTab ) Ne#Tab I Canc: f l Restart I T.?.O 4 Co s CIO Codes 'DeeA lm -evious i Next Production HSBC JrgMd metro tme window see > > I HSBC MORTGAGE SERVICES INC 201, ST $'3? 1 UNITW STATES View Documerds Refresh Alerts PERMANENT FORCED INS COLLECTION NOTE LOAN DELINQUENT >30 AY ACCT Scm Dsp ; Order IR Date !10/05/07 Prt IN Bal iN NameMILLER Type 1 Sub s inv 30100 Warn s Lock. o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 Bal - Prin 94136.66 Esc o, oo Unapf0d 0.00 f - Uncol- Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o. oo Taxes 499-o8 Loss Draf[ Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin -- Interest ------ Escrow - 100507 FE 110406 1167.70 40 EXPENSE ADVANCES 100507 PRE 060406 PAID 3310.93 DUE 307.68 OVER 3003.25 TELLER 12854 092707 AA 110406 .00 _00 _00 .00 OPT PREMIUMS _00 LATE CHARGE PYMT 300.84* 092707 UI 110406 .00 00 .00 _00 OPT PREHIUMS _00 LATE CHARGE PYMT 300.84* 092707 LCY 110406 T:12854 CDO9 DELCNS B13 UNC LCBAL -DO LCDT 09/07-00/00 092707 SR 110406 _00 _00 _00 -00 092707 UFO 110406 UNAPPLIED FUNDS (4) 242.71 BALANCE 242.71 Cammants-# Comments-2 v McSSage: DI3PLAY CURD= OR ,.... KME--- Command Submit Reset PrimW Hey Retum Refres ;I Priori oreLJp ') M oen R*aw I PreyTab I NegTab I Cancel Restart T? 0; - Qeiav Codes iC/0 Cods Demur Lin ? ---- CIT800s I I!` t? Previous Next Production ? ? . 01111.1 HSBC ACCT Scrn ! Dsp ^ Order ;R Date 11fo2fo7 Prt IN 6ai IN NameMILLER Type 1 Sub 8 Inv 30100 Warn 5 Lock o Stop 000 St 39 &Wdmenu tree twndm size» l -Dates- Paid TO 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES - eal - Prin 94136.66 Esc o. oo UnapfCd 0_00 1 INC - Uncol - Lc 9.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 Account: 7071194 I P&IAdy o_ao 2a1 LO3N ,ST - Ytd - Int o. oo Taxes 499.08 Loss DraftRcd ^ N -Date- Tr - Pdto - ----- Tr'-Amt ------ --- Prin ----- interest ------ Escrow ? STA ?i'fE.S TJ1fITW Sg' 110207 UFO 110406 UNAPPLIED FUNDS (4) 9590.79 BALANCE 9833.50 102407 FE 110406 1715.00 16 4 CORP ADV 3 F/P HAZARD View Documents 100807 AA 110406 .00 -00 -00 -00 i OPT PREMIUMS 00 LATE CHARGE PYMT -300.84* Refresh Alerts _ - 100807 III 110406 00 00 _00 _00 OPT PREMIUMS _00 LATE CHARGE PYMT -300.84* PERMANENT 100507 SR 110406 1814.88 .00 _00 _OO FORCED INS CCd LECTIINJ NOT 100597 UF* 110406 UNAPPLIED FUNDS (2) 1814.88 BALANCE 2621.27 LOAN 100507 FE 110406 328.35 16 4 CORP ADV 3 F/P HAZARD tDELNQUENT >30 DAYS c arnmea#s-3 „, Messap: DISPLAY COWLZ7E 0$..-- KO=_ C Submit Reset Printo H*-l Rem I Refret I Pij xj MOretlp i MoreDown i Reprieve I PreyTab I NestTab I Cm=j ! Restart ? T] 0 D?av Codes CI /(} Coatis ? lar r I C tT- , •+, Production HSBC 4D Expand menu tree andoa size > > I HSBC MORTGAGE SERVICES INC View Documents Refresh Aierts T PERMAWNT 'TM FORC® INS ? COLLE T - LOAN - - jQELN%EW -30 ACCT Scm Dsp Order 'R Date 11/02/o7 Pit iN Sal !N NameNI LLER Type 1 Sub 8 Inv 30100 Warn s Lock: o Stop 000 St 39 - Dates - Paid To 11/04/07 Next Due 12/ 04/07 LastPmt 12/07/07 Audit 04/23/03 -Bal- Prin 94136.66 Esc o.oo UnaplCd o.oo J - Uncol - Lc 0. 00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&! Adv 0.00 - Ytd - Int o. oo Taxes 499- o8 Loss Draft Rcd ? N - Date - Tr - Pdto - ----- Tr - Amt ------- -- Prin ----- Interest ------ Escrow 110207 RP 010407 989.51 43.08 946_43 .00 110207 POS 020407 PAID 989.51 DUB 989.51 SHORT .00 TELLER 12853 110207 SR7 120406 -989.51 .00 .00 .00 110207 UFO 120406 UNAPPLIED FUNDS (4) -989.51 BALANCE 7854.48 110207 RP 120406 989.51 42.65 946-86 .00 110207 POS 010407 PAID 989.51 DUB 989.51 SHORT .00 TELLER 12853 110207 SR7 110406 -989-51 .00 .00 .00 110207 UFO 110406 UNAPPLIBD FUNDS (4) -989.51 BALANCE 8843.99 110207 SR 110406 9590.79 -00 -00 .00 Comments-1 .=rarr3rraerttb-? ? Y Message: r isri<AT camLLTS oar BORE - - - - Commaim Stbwt Reset PrirAm ? Help Rrtwn I Ref e I Prim MoreUp I MoreNgn I Rejn I PreyTat} I Ne#Tab I I Restart 9 T 0! - ? da C ag C14 Cades DemW Lin P ;CIT Qs t I',`? Production i 14SBC 4D Expand mem Ime wk4aw size >> HSBC MORTGAGE SERVICES INC i i 2m: 7b ST i'?k 133 ESTATES View Documents Refresh Alerts PERMANENT FORCE INS COLLECTION NOTE - LOAN -- -- DELINQUENT >30 I ACCT J? Scm Dsp I Order P. Date ;11/02107 Prt IN Bal ?N NameHILLER Type 1 Sub 8 Inv 30100 'dVarn 5 Lock o Stop 000 St 39 -Dates- Paid To 11/04/07 Next Due 12104/07 Last Pmt 12/07/07 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnapfCd o-00 f - Uncol - Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I A& 0.00 - Ytd. - I nt o. oo Taxes 499. o8 Loss Draft Rcd ^ N -Date- Ti Pdto ------ Tr - Amt ------- -- Prin ----- Interest - ----- Escrow -- 110207 RP 030407 989-51 43.94 945.57 _00 110207 AMC 030407 INTEREST RATE CHG OLD 12.00000 NEW 11.87500 110207 POS 040407 PAID 989.51 DUE 980.71 OVER 8.80 TELLER 12853 110207 SR7 020407 -989.51 .00 _00 _00 110207 UFO 020407 UNAPPLIED FUNDS (4) -989.S1 BA LANCE 5875.46 110207 AP 020407 989.51 43.51 946.00 _00 110207 POS 030407 PAID 989.51 DUE 989.51 SHOAT _00 TELLER 12853 110207 SR? 010407 -989.51 _00 _00 _00 110207 UFO 010407 UNAPPLIED FUNDS (4) -989.51 BA LANCE 6864.97 Camment:rl CUn'ttT tints-3 v McSSig.: DOPLAY COWLS _ 4R.. HORE_.- .. Comm* Submit ReW Prn(M Help ) Rgturn I Ref? I Prjml MorelJp i MomDomn i Retrieve 1 ReyTab I Ne#Tab J Cav* I Restart ( Tj O D Codes CIO C De6A Linn iCITNI)a ?" Production accT Scrn Dsp ! Order ix Date llioz/o7 Prt 1N Bat u ^? HSBC qql1AJr PdameHILLER Type 1 Sub 8 InV 30100 Warn 5 Lock 0 Stop ooo St 39 Expmidmom tmewW4msfte» -Dates- Paid To 11/04/07 Next Due 12/ 04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES Bat _ Prin 94136.66 Esc o. oo UnaplCd 0-00 J INC - Uncol - Lc o _ 0o Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 ST - Ytd - Int o. oo Taxes 499.o8 Loss DraflRcd ? N -Date- Tr Pdto - ----- Tr - Amt ------- -- Prin ----- Interest ------ Escrow - Fd?,t55 110207 AMC 030407 Pal PYMT CHG OLD 980.71 NEW 989.51 110207 POS 050407 PAID -989.S1 DUE 980.71 SHORT 8.80 TELLER 12853 Vie DOCtiRients 110207 SR 040407 8- 80 -00 -00 . 00 1 110207 UFx 040407 UNAPPLIED FUNDS {Z} 8.80 BALANCE 2630.07 Retresh Alerts 110207 RP 040407 980.71 45.43 935.28 _00 110207 AMC 040407 P6I PYNT CHG OLD 989.51 NEW 980.71 PERMANENT 110207 POS 050407 PAID 989.51 DUE 980.71 OVER 8.80 TELLER 12853 FORCED INS COLLECT" NOTE 110207 SR? 030407 -989.51 .00 DO 00 (LOAN 110207 UFO 030407 UNAPPLIED FUNDS (4) -989.51 BALANCE 4885-95 DELINQUENT >30 a6y Comments-1 Comments-2 McSSage: DISPLAY COMPLETE OK QORL,-. Commatmk Sutxrrit Reset NOM Help Rgtrxn I Refret I PrjOrl MoreUp I Momo&n i R*ien I PreyTab I Ne#Tab I Cancel I Restart ?7I 0( C 0 C DmW Lin w- --,- jCIT800s ? I^-I Production HSBCN4'.v&.kF ExWd menu tme window see » I HSBC MORTGAGE SERVICES INC a t R i A 1705 U21=STATES 3 View Dom nerts Refresh Alerts PERMANENT FORCED INS COLLECTION NOT LOAN- DELINQUENT }30 DAYS rNe\? ACCT Scrn ` Dsp I Order !R' Date °'11loz/07 Prt IN Bal 1N ^ NameMILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop ooo St 39 -Dates- Paid To 11/04/07 Ne)dDue 12/04/07 LastPmt 12/07107 Audit 04/23/03 - Bal - Prin 94136.66 Esc o. oo UnapfCd 0.00 f - Uncol- Lc o.oo Opt Prd 0.00 INT 0.00 FEES -13920.30 P&I Ad 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ? N - Date - Tr - Pdto -- Tr - Amt --------- Pcin -- - Interest ------ Escrow -- 110207 SR 020407 989.51 .00 _00 _00 110207 UFO 020407 UNAPPLIED FUNDS (4) 989.51 BALANCE 6864.97 110207 PR7 020407 -989.51 -43.94 -945.57 _00 110207 AMC 020407 INTEREST RATE CHG OLD 11.87500 NEW 12.00000 110207 POS 040407 PAID -989.51 DUE 980.71 SHORT 8.80 TELLER 12853 110207 SR 030407 980.71 .00 :00 _00 110207 UFO 030407 UNAPPLIED FUNDS (4) 989.51 BALANCE 5875.46 110207 UF* 030407 UNAPPLIED FUNDS (2) -8.80 BALANCE 2621.27 110207 PR? 030407 -980.71 -45.43 -935.28 _00 Comments-7 uumments-3 ,v Messagr. DISPLAY COHPLLTL o% K=- Command. SlJbfl t Resek Prix H*I Rgkrrn Refresh( I POorI MoreUp I MorbDogn i R*eae 9 Renjab ] Ne*Tab Cancel 1 Restart T?0 ;Delay Codas 0 odes IDWA Lin r IT Os ;1^ Production =H B Expand nwm tree window size > > i HSBC MORTGAGE SERVICES INC Account: 7071194 ? :P.A 13fl15' i I UNUFD?ATES View Dori merts Refresh Alerts PERMANENT FORCED INS COLLECTION NOTE LOAN DaINQLIENT >30 DA- ACCT Scrn Dsp Order IR Date '11/02/07 Prt IN Gal {N Al NameMILLER Type 1 Sub 8 Inv 3oloo Warn s Lock o Stop ooo St 39 -Dates-` Paid TO 11/04/07 Next Due 12/04/07 LastPmt 12/07/o7 Audit 04/23/03 - Bal - Prin 94136.66 Esc o- oo Unap/Cd 0_00 f - Uncol - Lc 0- 00 Opt Prd 0-00 INT 0- 00 FEES -13920- 30 PBJAda 0-00 - Ytd - lnt o. oo Taxes 499.o8 Lass DraftPcd ^ N - Date- Tr - Pdto ------ Tr-Amt --------- Prin ----- Interest ------ Escrow -- 110207 SR7 030407 -980-71 -00 -00 -00 110207 UFO 030407 UNAPPLIED FUNDS (4) -980.71 BALANCE 4903-55 110207 SRO 030407 -8-80 .00 -00 -00 110207 UF" 030407 UNAPPLIED FUNDS (2) -8-80 BALANCE 2612-47 110207 RP 030407 989.51 43-94 945.57 .00 110207 AMC 030407 INTEREST RATE CHG OLD 12.00000 NEW 11-87500 110207 POS 040407 PAID 980.71 DUE 980-71 SHORT -00 TELLER 12853 110207 SR7 020407 -980.71 -00 .00 .00 110207 UFO 020407 UNAPPLIED FUNDS (4) -980.71 BALANCE 5884-26 G[miment?l Cararirent8? v Me&&dge: D I3PLAY COHVLETE O$ !SORE . - - Cotrunautt Subrrut Reset PmAQ Hell Rotm I Refresh} I Prod MoreUp I MoreDO.Lron I Reprieve I PreyTab I NegTah 1 Ganc,J I Restart I T10 ' 1 Delay Codes !,C 0 Codes !DeaW Lin COs ^` Production 14SBC 4D Expand menu tree window size » I HSBC MORTGAGE SERVICES INC Account: 1071194 s" View Docu nents Refresh Alerts PERMANENT FORCED INS O-LECTKA NOTE 40AN Next ACCT Ds Scrn ' ' Dsp { Order R Date 111/02/07 Prt IN Bal jN NameMILLER Inv Type 1 Sub 8 30100 Warn s Lock: o Stop 000 St 39 Dates- PardTO 11/04/07 Next Due 12/ 04/07 LastPmt 12/07/07 Audit 04/23/03 - Dal- Prin 94136.66 ESC o. oo UnapfCd 0.00 f -Uncol- Lc o_00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&I Adv 0.00 - Ytd - Int o _ oo Taxes 499 _ oa Loss Drag Rcd ? N - Date - Tr - Pdto - ----- Tr - Amt ------- -- Prin ----- Interest ------ Escrow -- 110207 SR7 050407 -980.71 _00 .00 .00 110207 UFO 050407 UNAPPLIED FUNDS (4) -980_71 BALANCE 2942.13 110207 RP 050407 980.71 45.88 934-83 _00 110207 POS 060407 PAID 980.71 DUE 980.71 SHORT -00 TELLER 12853 110207 SR? 040407 -980.71 _00 _00 _00 110207 UFO 040407 UNAPPLIED FUNDS (4) -980.71 BALANCE 3922.84 110207 RP 040407 980.71 45.43 935.28 _00 110207 AMC 040407 P&I PYMT CHG OLD 989.51 NEW 980 .71 110207 POS 050407 PAID 980.71 DUE 980.71 SHORT _00 TELLER 12853 CoLmm eras-1 Commem-2 MesS"e: DI3PL8Y COUPLL7E OSC HORE_-. Commawk 5ubeut Reset PmVA HeyI Rgtum Refresh I RimI MoreUp i MoreDo&n i Repiem I ReyTab I NepTab I Cancel I Restart T10 iDe Codes ;C/P Caws ;D*dA Lino 'Cl, T$IIUs ,? Next Production HSBC 22!nd menu tme Lmo size >> 1 HSBC MORTGAGE SERVICES INC Account: UIBTEDWATES View Documerts Refresh Alerts ACCT }® Scrn Dsp !. Order P. Date 11/02/07 Frt IN Gal IN ^ tdameMILLER Type 1 Sub 8 Inv 3oloo Warn s Lock o Stop ooo 3t 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 12/07/07 Audrt 04/23/03 -Dal- Prin 94136- 66 Esc o. oo UnaplCd 0.0o t - Uncol - Lc o. oo Opt Prd 0.00 INT 0.00 FIBS -13920.30 P&I Adv 0.00 - Ytd - tnt o _ oo Taxes 499.o8 Loss Draft Rcd ? N - Date - Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 110207 POS 090407 PAID 980-71 DUE 980-71 SHORT .00 TELLER 12853 110207 SR7 070407 -980-71 .00 -00 .00 110207 UFO 070407 UNAPPLIED FUNDS (4) -980.71 BALANCE 980.71 110207 RP 070407 980.71 46-79 933.92 _00 110207 POS 080407 PAID 980.71 DUE 980.71 SHORT _00 TELLER 12853 110207 SR7 060407 -980-71 _00 _00 -00 110207 UFO 060407 UNAPPLIED FUNDS W -980.71 BALANCE 1961.42 110207 RP 060407 980.71 46.33 934.38 _00 110207 POS 070407 PAID 980.71 DUE 980.71 SHORT _00 TELLER 12893 ?iO?lRlBfit& C?>7tr'tfilaeF+iits=? ' w Message: DISPLAY com=z OT{ !TORE .. . Command Submit Reset I PrintU Helpj Rrn I Refret I -PrmI MoreUp I Morel)gj2n I Retrieve I PreYTab I 'Ne*Tab I Cancel I Restart ITjOj Delw Codes c/o cadac Be" Lin w G T Os I ? ^-1 Production HSBC Expand nmw tree window size >> I HSBC MORTGAGE SERVICES INC mi IJIW1 $fi TES Yield Documents Refresh Alerts PeRrT FORCED INS COLLECTION NOT. LOAN IDELNQLEW pia ACCT Scm I Dsp Order !R Date ',11120/07 Prt IN Bal IN NameMILLBR Type 1 Sub s Inv 30100 Warn s Loch o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pint 12/0 7 /07 Audit 04/23/03 - Bal - Prln 94136- 66 Esc o- oo UnapfCd 0.00 1 -Unc0l- LC 0-00 Opt Prd 0.00 INT 0-00 FEES -139ZO-30 P&I Adv 0.00 - Ytd - Int o- oo Taxes 499.08 Loss Draft Rcd ? N - Date - Tr Pdto ------ Tr-A- --------- Prin ----- Interest ------ Escrow -- 112007 III 090407 _00 .00 _00 _00 OPT PREMIUMS .00 LATE CHARGE PYMT 300.84* 110907 FE 090407 ZZZ-33 164 CORP,ADV 3 F/P HAZARD 110907 PRE 070406 PAID 222.33 DUE 307.68 SHORT 85-35 TELLER 12853 110207 RP 090407 980.71 47.72 932.99 _00 110207 POS 100407 PAID 980-71 DUE 980.71 SHORT -00 TELLER 12853 110207 SR7 080407 -980-71 _00 -00 _00 110207 UFO 080407 UNAPPLIED FUNDS (4) -980.71 BALANCE 0-00 110207 RP 080407 980-71 47.25 933.46 -00 Comments-1 Comments-2 v McSS"e; DISPLXT COWLETL 4x stars.. Commanck SubrrA R,?w PrintAt Hey Rgturn I Rehet I P*I MomUp I MomDotm I Relieve Pre_vTab I Na#Tab;I' Cwx4 I Restart I TJ 0 Pelav codes CIQ Cates Ge6A Lin ? T C T Previous Production 14SBCNA'AvX& Expand menu tree w4Wow size -» I HSBC MORTGAGE SERVICES INC 2M 2 ZT fi? 1705 UNITTED SI ATES Refresh Alerts PERMANENT F FORCED INS COLLECTION NOTE - LOAN - DELNVQLIENT >30 DAYS Next ACCT Scrn Dsp Order iR Date 112/14/07 Prt IN Gal IN ^ NameMILLER Type 1 Sub s Inv 30100 Warn s Lock o Stop ooo St 39 Dates- Paid To 11/04/07 Next Due 12/04/07 Last Pmt 12/07/07 Audit 04/23/03 - Hal - Prin 94136.66 Esc 0. 00 UnaplCd 0.00 J - Uncol Lc 0.00 OptPrd 0.00 INT 0.00 FEES -13920.30 P&I A& 0.00 - Ytd - Int o. oo Taxes 499.08 Loss Draft Rcd ? N Date- Tr - Pdto ------ Tr-Amt ------ Prin ----- Interest ------ Escrow -- 121407 AP 110407 980.71 48.67 932.04 _00 121407 AP 100407 980.71 48.19 932-52 .00 121407 SPA 090407 -3038.99 .00 .00 .00 121407 UF' 090407 UNAPPLIED FUNDS (2) -2612.47 BALANCE 0.00 121407 UFU 090407 UNAPPLIED FUNDS (l) -426.52 BALANCE 0.00 121107 SR 090407 426-52 .00 .00 .00 121107 UFU 090407 UNAPPLIED FUNDS (1) 426.52 BALANCE 426.52 112007 AA 090407 -00 _00 _00 _00 OPT PREH=S _00 LATE CHARGE PYMT 300.84' Cammerds-t COrrtfitaBfttS-3 ?+ Message: DISPLAY COMPL= OR HORE._. Comman(tSubmit Reset RHAII H* I Bsturn I Refresh I P*j MoreJp I MoreOcftr I %16--ft I PreyTab I- N*Tab I Cancel I Flestart I T j 0 i Nlav Codes 1C 0 Code; € o" Lin ? I IT Os I .e Previous Production , HSBC ACCT Scrn Dsp , order A Date 12/14/07 Prt N Bal IN NALF NameNILLER Type 1 Sub o Inv 30100 Warn 5 Lock o Stop 000 St 39 *PzNmenu Iree Wu+dow size » I - Dates- PaldTo 11/04/07 Next Due _ 1,2J04/07 Last Plat 12/07}07 Audit 04/Z3/03 HSBC MORTGAGE SERVICES Bal- Prin 94136- 66 ESC o. oo Unap/Cd 0.00 INC s - Uncol - Lc 0- 00opt Prd 0-00 INT 0.00 FEES -13920- 30 ? P&IAt t 0-00 ]l ,ia3l? i751 - Ytd - Ird o- oo Taxes 499- oe Loss DraflRcd ^ N Date- Tr - Pdto ------ Tr-Amt --------- Prin ----- Interest - ----- Escrow - PA 17055 UNITMSTATES 121407 UFF 090407 UNAPPLIND FUNDS (Z) 2612-47 BA LANCE 2612-47 121407 SR 090407 426-52 .00 -00 -00 View Docwnerts 121407 UFP 090407 UNAPPLIED FUNDS (5) 426-52 BA LANCE 4Z6-SZ 121407 PR? 090407 -960-71 -48-19 -932-5Z -00 Refresh Alerts 121407 PR7 100407 -980.71 -46-E7 -932.04 -00 121407 PR7 110409 -980.71 -49-15 -931-56 -00 r------ PERMANENT FORCED INS COLLI CTION 121407 CTA 120407 -96.86 -96- 86 DO 00 NOTE 121407 CAA 120407 96.66 96-86 -00 -00 LOAN 121407 AP 120407 980-71 49-15 931-56 -00 DEUNQLENT ]30 DAYS COfFlit'tBfltSr?' Comments v' Message. D23PL16Y COIWLLTE OK sORE - - - Comman(k Su6mik Reset pwom.' Hey I Rheum i Rehet I P*j MomUp I MaeDoyfn i R*eve I ReyTab 1 Nemtrab 1 Cane: j I Restart T) O r Aim Cocks CIO Codes FDoa" Lin ? ° ^V' n Production 14SBC Expand menu tree window sae > > HSBC MORTGAGE SERVICES INC -705 View Documents Refresh Alerts PERMANENT FORCED NS CO LLECTO MOTE --I_.OAN. Dot pULY?M1tT >30 DRS revious Next ACCT Scrn Dsp Order iR Date '12/14/07 Prt iN Eral IN NameMILLER Type 1 Sub 8 Inv 30100 Warn s Lock o Stop 000 St 39 -Dates- P@idTo 11/04/07 Next Due 1 2/04/07 LastPmt 12/07/07 Audlt 04/23/03 - Bal - Prin 94136- 66 Esc o. oo UnapJCd 0.00 1 - Uncol - Lc 0.00 optPrd 0.00 INT 0.00 FEES -13920.30 f &]Ad51 0-00 - Ytd - tnt o _ oo Taxes 499-o8 Loss Draft Rcd ? N - Date - Tr Pdto ------ Tr - Amt ----- ---- Prin Interest ------ Escrow -- 121407 UFF 110407 UNAPPLIED FUNDS (2) -6S1.05 BALANCE 0.00 121407 UFU 110407 UNAPPLIED FUNDS (1) 651.05 BALANCE 651.05 121407 RP 110407 980.71 48-67 932.04 .00 121407 SR? 100407 -980.71 .00 .00 .00 121407 UFF 100407 UNAPPLIED FUNDS (2) -980.71 BALANCE 651.05 121407 RP 100407 980.71 48.19 932.52 _00 .121407 SR7 090407 -980.71 .00 _00 _00 121407 UFF 090407 UNAPPLIED FUNDS (2) -980.71 BALANCE 1631-76 121407 SR 090407 2612.47 -00 -00 _00 Gc?mment- GQenmBt *+ Message: DISPLAY COMPLETE 4R MORE... Conmawk Submit Reset Nnw Help I Rgtum, I Refresh I P*j Morallp I MoreDoAym I Reiriewe I ReyTab 1 NVTab I Cw=r I Restart I T 01 I--- - DAY Codes CIC?i Cadas ?Ge" In r CITm ? j •• Previous Next Production t H 4D SBC ACCT Scm j Dsp Carder ;R Date ?01f1el03 Prt IN Sal !N NameHILLBR Type 1 Sub a Inv 3oloo Warn s Loch: o Stop ooo St 39 RE!EW mam tree mom size" -Dates- Paid To 11/04/o7 Ne)d Due 12/04/07 LastPmt 12/07/07 Audit 04/23/03 HSBC MORTGAGE SERVICES 9a1- Prin 94136.66 Esc o. oo UnapiCd 0.00 INC -Uncol- LC o.0o OptPrd 0.00 INT 0.00 FEES -13920.30 A ccomit: 70711,44 P&I Adv 0-00 'ST. Ytd - Int o. oo Taxes 499-o8 Loss Draft Pcd ? N Date Tr - PdtO - ----- Prin - Interest - ----- Tr Amt ---- ----- Escrow I'?t i?t3? ?, 51A1 011408 SR 110407 191.60 .00 .00 .00 011403 UFU 110407 UNAPPLIED FUNDS (1) 191.60 BA LANCE 191.60 View+Docume#s i 123107 Fl 110407 426.52 164 CORP ADV 3 F/P HAZARD ills 1Z3107 SR7 110407 -426.52 .00 .00 .00 Refresh Alerts 123107 IIFP 110407 UNAPPLIBD FUNDS i51 -426.52 BA LANCE 0.00 _ 123107 FE 110407 651.05 164 CORP ADV 3 F/P HAZARD KRMAt1T FORCED WS COLLECTION 1Z3107 SR7 110407 -651.05 .00 -00 .00 T 123107 UFU 110407 UNAPPLIBD FUNDS (1) -651.05 BALANCE 0.00 JOAN 121407 SR '110407 00 -00 -00 .00 GDJI QCIFNdT -30 MAYS ?trmmentsr7 Comments-2 McSSage-. D USPI,AY CoMM= OR HORS - - - Cmnmanck ll Submit Reset Primm 1 H* I Rgtian I RMet I P *1 MoreUp I MOr+eDoff, I Re*ieve 9 Rejab I NegTab I C.a met I Restafft I T101 - - ; Delay Codas 'CIO Cates DeOA Un ? ; C IT OWs + I "? Production HSBC Expand menu tree window size » i HSBC MORTGAGE SERVICES INC ACCT Scrn Dsp Order 1R Date 107/21/08 Prt IN Bal IN ^ Name11ILLER Type 1 Sub 8 Inv 30100 tNarn s Lock. o Stop ooo St 39 -Dates- Paid To 11/04/07 Next Due 12/04/07 LastPmt 1Z/07f07 Audit 04/23/03 - Bal - Prin 94136- 66 Esc o. oo UnaplCd 0-00 -Uncol- Lc 0.00 Opt Prd 0.00 INT 0.00 FEES -13920.30 P&IAd+i 0.00 - Ytd - int o. oo Tax8s 499. os Loss Draft Rcd ^ N Date- Tr - Pdto ------ Tr - Amt --------- Prin ----- Interest ------ Escrow -- 071708 FB 110407 12.50 36 CORP ADV 1 071008 FE 110407 12-50 36 CORP ADV 1 061708 FB 110407 12.50 36 CORP ADV 1 042408 FB 110407 12.50 36 CORP ADV 1 042308 FE 110407 100.00 36 COPP ADV 1 031408 FE 110407 12-50 36 CORP ADV 1 011808 FB 110407 2186-15 166 CORP ADV 5 CO Cl TUN 011608 1178 110407 -191.60 PAYEE = 8000.00000 _00 .00 011608 UFU 110407 UNAPPLIED FUNDS (1) -191.60 BALANCE 0.00 Comments-1 C ommeerts-2 v' MBSSap: D I SPLAY COWL= OR ROM - - . command: Stbnm t Rese Pti)lm Help I RQtrun Rdre-t IPr_rorI MtoreUp I MoreDogn Re#ieve I PreyTab I Ne#Tab Cancel 'I Restart ITi0 d peiav des !c/o Gades Deafult Lint I -- -- ITWOs I VERIFICATION The undersigned, the Plaintiff in the Motion for Summary Judgment, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the Motion for Summary Judgment are taken from the business records of the Mortgage held by the Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Household. Finance Consumer Discount Company By. Name: Title: I/u? p Dated: • to - O$ UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. Defendant ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 08-2813 Civil Term CERTIFICATE OF SERVICE I, the undersigned Attorney, hereby certify that I served or caused to be served true and correct copies of Plaintiffs Praecipe to Attach Affidavit and Verification to Plaintiffs Motion for Summary Judgment upon the following person named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail Date Served: August go , 2008 TO: Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 Attorney for Defendant UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE GAZZARA DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE Attorneys for Plaintiff Po HOUSEHOLD FINANCE CONSUMER, DISCOUNT COMPANY, Plaintiff, VS. ROBERT W. MILLER, JR., Defendant : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 08-2813 Civil Term : Civil Division ENTRY OF APPEARANCE AS LOCAL COUNSEL Dear Sir: I hereby enter my appearance as local counsel, in conjunction with Udren Law Offices, P.C., for the limited purpose of representing the Plaintiff at Oral Argument on Plaintiff's Motion for Summary. Date: August 25, 2008 Dale F. u Jrt J Supreme C urt 10 West High Street Carlisle, PA 17013 (717) 241-4311 CC: Chandra M. Arkema, Esquire, Udren Law Offices, P.C., Attorney for Plaintiff Brian J. Bleasdale, Esquire, Attorney for Defendant C ? .:.4, ?. : ---i ?.. .. ?` ?? fir; ?,,, , -;- r? 1 ?. ?. ?- ? 4 ??^t ? i=- cW. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. NO. 08-2813 Civil Term Defendant ORDER AND NOW, to wit, this .? day of S ie ?. , 2008, upon consideration of Plaintiffs Motion for Summary Judgment and supporting documents thereto, and upon consideration of the Reply, if any, filed by the Defendant hereto, the Court hereby determines that Defendant, Robert W. Miller, has failed to make a legal defense to Plaintiffs claim and that Plaintiff is entitled to Summary Judgment as a matter of law, and the Court, therefore, ORDERS AND DECREES that Judgment, in m, shall be entered in favor of the Plaintiff and against Defendant, Robert W. Miller, in the amount of $130,591.76 (as calculated from the Complaint), together with ongoing per diem interest, escrow advances, and any additional recoverable costs to date of Sheriffs Sale; and for foreclosure and sale of the mortgaged property. BY THE COURT: J. ?/ Idbl -1,4 ?G /" ? -TI m C-0 UDREN LAW OFFICES, P.C. K&UM J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400-pleadings@udren.com Household Finance Consumer Discount Company 577 Lamont Road Elmhurst, IL 60126 Plaintiff V. Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 08-2813 Civil Term PRAECIPE FOR JUDGMENT BASED ON COURT ORDER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s), Robert W. Miller, Jr. pursuant to the Court's Order dated September 3rd, 2008 (in accordance with the Complaint) and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Court Order $130,591.76 TOTAL ,$130,591.76 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that a true and correct copy of the Praecipe has been mailed pursuant to Pa.R.C.P. Rule 237. UDREN LAW OFFICES, P.C. BY : 5 V / y l J,/, 4? Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE : QiJ''fOg PRO OTHY SEP-03-2008(VEO) 13;43 Shughart Law Office (FAX)7172114021 P.UUJ/UU4 IN TIM COURT OF COMMON PLEAS OF'CUMBERLAND COUNTY MVILDMSION Houeebald Fxaaace Discout, . comlavy Plalnti? ? V. Robert W. Miller, Jr. NO.08-2813 Civil Tans Defendant 1 'r P_4 W ?4 w s AND'NOW, to wit, this 31 day e .2 009, upoa consida'ation of Pla vdff 3 Motf ott for Snsmnw Judgment and supportis docmeote *wvto, and ttpon comddctutiote of the Puply, tf any, Alaby*e Do%da9 heat' ,. the Court bemby decexminrs 0W Defendant, Robert W. Mori has to rt*a a10 ddmw to PlaiafM elai a aad liatte Flaha f is eptided.to Simnmaa y Jltdpnaat as a matter of law, and the Coati, therefore, 0=20 AND DBcRB'•FS that Judsment, m ?. trbdl be am-ed to favor of ft Plainti$'and agahm DtamdZmt,, Robert W..MWA4 in to omouat of $130,591..76 (as calcplated fiaam to Cmaplt+Wl topgathe r wit augoibS per diem int uvat, escrow aditcok and any additional recoverable. costs to date of Sha ft Saar and for foredosm-o and sale of fba motp* property. BY Tl? C4UR'l r' .M UDREN LAW OFFICES P.C. ATTORNEY FOR PLAINTIFF 14ARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingsOudren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. Defendant (s) ::NO. 08-2813 Civil Term AFFIDAVIT OF NON-MILITARY SERVICE STATE OF NEW JERSEY COUNTY OF CAMDEN SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the military or Naval Service of the United States of America or its Allies as defined in the Servicemembers, Civil Relief Act (108 P.L. 189; 117 Stat. 2835; 2003 Enacted H.R. 100), and that the age and last known residence and employment of each Defendant are as follows: Defendant: Robert W. Miller, Jr. Age: Over 18 Residence: As captioned above Employment: Unknown UDREN?LAWOFFICES, P.C. BY:01vivid ?.?Attorneys` for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE Sworn to and subscribed before me this 12th day of Se ember, 2008. Notary Public S. Mary PudGc State of Jfww9ersey -bH O ? ?? -F ¢, ?. $ ?. ?? a ? ? ???-' ? ? ??, ?. 5,... r r?.a ca -? .... cst -? ?? ii ? ? r?ii rv r? U'DREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF * :BARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company ;CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant(s) TO: Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 NOTICE nia, ou are hereby Pursuant to Rule 236 of the Supreme Court of P?ro4tho notified that a Judgment has been entered n the above proceeding as indicated below. Judgment by De fault Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict x Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Udren Law Offices, P.C. At this telephone number: 856-669-5400 A. UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. Defendant(s) :NO. 08-2813 Civil Term TO: Robert W. Miller, Jr. c/o Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby *u'rn the above notified that a Judgment has been entered 7ro4ttho proceeding as indicated below. gment by Default Jud Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict x Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Udren Law Offices, P.C. At this telephone number: 856-669-5400 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingsWudren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company ':CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant (s) PRAECIPE TO ISSUE WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount due $130,591.76 Interest From 7/19/08 7,014.27 to Date of Sale March 4, 2009 Ongoing Per Diem of 30.63 to actual date of sale including if sale is held at a later date (Costs to be added) $ UDREN LAW OFFICES, P.C. BY : PA V f& /2 IAA jkU Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE CA ? • O Q W 00_ r? 0 cra ;.:_ UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. ;MORTGAGE FORECLOSURE Robert W. Miller, Jr. NO. 08-2813 Civil Term Defendant (s) CERTIFICATE TO THE SHERIFF I HEREBY CERTIFY THAT: I. The judgment entered in the above matter is based on an Action: A. In Assumpsit (Contract) B. In Trespass (Accident) X C. In Mortgage Foreclosure D. On a Note accompanying a purchase money mortgage and the property being exposed to sale is the mortgaged property. II. The Defendant(s) own the property being exposed to sale as: X A. An individual B. Tenants by Entireties C. Joint Tenants with right of survivorship D. A partnership E. Tenants in Common F. A corporation III. The Defendant(s) is (are): X A. Resident in the Commonwealth of Pennsylvania B. Not resident in the Commonwealth of Pennsylvania C. If more than one Defendant and either A or B above is not applicable, state which Defendant is resident of the Commonwealth of Pennsylvania. Resident: UDREN LAW OFFICES, P.C. BY: rnf Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE G ? 410 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer 'COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant(s) C E R T I F I C A T E I hereby state that as the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: ( ) An FHA insured mortgage ( ) Non-owner occupied ( ) Vacant ( X ) Act 91 procedures have been fulfilled. ( ) Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. BY:?Ajnd t/2 .''j,WInd r Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE e-?' G '`??'' .?'' ??° ?'?' , --' ,G ?;: ? i ???t. ?a C'' N UDREN LAW OFFICES P. C. ATTORNEY FOR PLAINTIFF k RK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 tORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer =COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 Household Finance Consumer Discount Company, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 201 Longmeadow Street, Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Robert W. Miller, Jr 201 Longmeadow Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Household Finance 577 Lamont Road Consumer Discount Company Elmhurst, IL 60126 5. Name and address of every other person who has any record lien on the property: Name Address None 6. Name and address of every other person who has any record interest 'in-the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St. Carlisle, PA 17013 Commonwealth of PA, Bureau of Compliance, PO Box 281230 Department of Revenue Harrisburg, PA 17128-1230 7. 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: Name Address Tenants/Occupants Brian J. Bleasdale, Esq. 201 Longmeadow Street Mechanicsburg, PA 17055 931 Chislett Street Pittsburgh, PA 15206 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: September 10, 2008 UDRrmtlo? EN LAWOFFICES, P.C. BY : a ,Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE ? na ° -fir (?? f 5 i c? ???'1 ?? `? ? ?-: ? " _ ? ? ? ? ? ?? y?? f ? v? ?y?y WY UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 ,STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ,ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. NO. 08-2813 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Robert W. Miller, Jr. c/o Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 Your house (real estate) at 201 Longmeadow Street Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on March 4, 2009, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $130,591.76, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER ,RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to `the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669- 5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARREMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. Defendant (s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 08-2813 Civil Term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 Your house (real estate) at 201 Longmeadow Street Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on March 4, 2009, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $130,591.76, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) '. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669- 5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 08-2813 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY, Plaintiff (s) From ROBERT W. MILLER, JR. (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 $130,591.76 L.L.$ 0.50 Interest from 7/19/08 to Date of Sale 3/04/009 ongoing per diem of $30.63 to actual date of sale including if sale is held at a later date - $7,014.27 Atty's Comm % Atty Paid $158.00 Plaintiff Paid Date: 9/15/08 (Seal) REQUESTING PARTY: Due Prothy $2.00 Other Costs to be added )- ? Pro otary By: Deputy Name: CHANDRA ARKEMA, ESQUIRE Address: UDREN LAW OFFICES WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 203437 UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 ATTORNEY FOR PLAINTIFF 856-669-5400 Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. Defendant(s) COURT OF COJON PLEAS CIVIL DIVISI N Cumberland County NO. 08-2813 Civil Term I CERTIFICATE OF SERVICE The undersigned, hereby certifies that they have served true and correct copies of person (s) named herei attorney of record. xxxxxx xxxxxx the Notice of Sale upon the following n at their last known address or their Regular First Class Mail Certified Mail other (certificate of mailing) Date Served: October 2, 2008 TO: Robert W. Miller, Jr. c/o Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 UDREN LAW BY: Att rneys MARK J. UE STUART WIIS LORRAINE E ALAN M. MI CHANDRA M. ICES, P. C. or Plaintiff EN, ESQUIRE EG, ESQUIRE YLE, ESQUIRE ATO, ESQUIRE ARKEMA, ESQUIRE 0 ,,ww ^ N K1-4 o 0 rt m W" Ct C4 c-t W K ? H to fp pt 10 (D w (n K W M rn• M 1?W F r- m O jvv m mm X 001 -0 zcm 0: o q 0 $Doy w p z n 'o T ru rU CERTIF tr : Ir, w m:m (Domestic A S I S Q`!ir .A O m m °r Poe C!? C3 ? o CertlNed G I G Retum ReCelpf (Endmeement Requ 0 O Restricted Delivery r-I I r9 (Endorsement Requ cc 'c0 O O Total Poefte & I C3 C3 ft 0'O t N ' N c/o orFVi 911 Ctg 3Y ima +- f- Hasler c• x U) x _+'G} co 2. C7 rn a C) u1 ?i co co N 11 w 1 O A ro A) m e st W A p 117 I ? G Cl u- Co Oa h-i O CI 1 L w 9 it -a w .A 1'u Ilew uo elgells? 1ou 21 uo1 ew?olu tisAII Psoldsie sesleu,ejul 'A,lebul ON Oulllsw us M 11 lusss,l Pus;dlssa slgl aesg :111y1FlOdWI 11gW Peyp,e0 a uo tAIIA Iae4sl Pus tpalep 'PePeau lou el idleoe, -pa e41 wese,d eweel '?Pl+awleod,ol eoylo lead eyl le ep l"p e! ldlwe, IIBW powso"uo Weugsod eN ¦ ,off a mppo ), yepeiA.sin pezl,oip $,pm PPa eyl W eq Aaw AiaMlep 'eel Iauomppe ue ,oj ¦ IlaW Peyp,eO, uo im nbe, eel a eiy d of d8 l unle, eieallr?np a eyl,enoo al eBriwod r Ka "w ungey a pue ?Id PPB Puss eyl of l i lQE two j Bd) H Idpw% to lou d epln?d W Posen =eq w M uMM of NanlleP 1laW y un4eH a eel leuoppppa ue,od ¦ ,od lleYV pepp,e0 4"m 3t7OHd 91 3J? O0 3ONb'uns l ON ¦ 'Ilew lou I to swap Aus,ol elgallana lou ellaW ?tA,oud,o eUaW seal s! IlaW PeBpieO ¦ [? 4UM Peulgwoo eq A-INO Aaw palq p"Woo ¦ s,seA oMl,dl -OKft Islsod etq dq WI Aj"M toff pj I'S Form e090119u, MOO A4 jegpuaq enbltm V ¦ 3800. June 2002 :sepieoad 11019 11e3 y ` U m W O LL a n 0, O Y L W a ?O _ A er `° 'E r o o C O N ? N m N m H 9 m N N N c E a c W . c E E to ti m a W f r p ty0 U 0 d m c m` c c ~ Up y m w 'p O a N C/) LL 'mmCC Ea U) m W r - E O O L c ? o ° ? ?° y .. . y d c4 ' m m o m m001ai c y m ' X LL n '? c W c_ o ' N p p m Eto?a L C a`oc4 m d co^T'Om oa?:E 0N E .d+ N co 0 C c C w El U rn 0 - c o V `? E d (n 2 L E m N C m W m C Na x ? :p y afro a° N O o. m C m E E ?? = x ? U m E m c c O W N C `I m E O L N m (Z U O y F pp W m ? ? w y c? c 8 d t E ? :° 8 = m 2 o a C ° m . C _ o y v N m c c ? N O N O O d y C 2 m .- W m y W W am c= m CL :a O M r- ? o < > E « ?'orn°OmEm m C 0 C GV O co a.° c 4d d o ? N L L ? `o ,9. D?' rn Y y > ? C N C N A 0 CO c=E.C c> U 11 El v ? m Ea m lC L U 2} W cio c 2 E 2 F, v L d 0 .fir m 'm^ X O mm?mrn r .. 0 a ??4dE r c?,? e F?mE? ? _ n O ' 72 Og? Gua aall7w ?, i L V .ti I c6 n Li i f} s r (? 4 2 c Lu 0 t.J% i V tD ?tTF14g at3 r ooao r i y .f• w d d 4? ?O Q :3 m W U N IT 1 ?? In cc o: U O y z N ?? ? ? a ? v g 17 2 U) o o v z a N 2 a N ?- d o ° c ? ? co N E v m N a V E f6- v CO OZ L y LL LL U N E _j W a 3?= mV H O O J y M Z C.) Z T CY) a M W W Q CD Z 000j d a co S ?`D (D 5 ? E v Lo O i i ? m ix W - r' z . 0 y U V) °o a O N r, co N O m a ?E ' N p c E r m a az o o =a E d `L wO O E O cV r r r V O Z J - N i M d Ln CD I h OD r ! - d a O a m 0 Y d Q k w d a 0 V O N E O U- A rn O LL ri oo CO) 0 U co CL C ca N U ti O M O co O N 0 Tm .. 11 IL UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Household Finance Consumer :COURT OF COMMON PLEAS Discount Company =CIVIL DIVISION :Cumberland County Plaintiff V. NO. 08-2813 Civil Term Robert W. Miller, Jr. Defendant (s) The undersigned, hereby certifies that they have served true and correct copies of the Notice of Sale upon the following person(s) named herein at their last known address or their attorney of record. xxxxxx CERTIFICATE OF SERVICE Regular First Class Mail xxxxxx Certified Mail Other (certificate of mailing) Date Served: October 13, 2008 TO: USA, US Attorney US Department of Justice Federal Building 228 Walnut Street, P.O. Box 11754 Harrisburg, PA 17108 UDREN LAW /OFFICES, P.C. BY &-, Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE f A I t i 0 PI oo a? n rn d . Ewa wro 0 EQ K r CQ f- P to !D rot. u 0 0 M rr W M 0 00 rr n M O OC 8 v 1w:0 C z 8 o* :y v O.M m?_n 0 n0? 33 Soon C3 C3 a" Cr ru N 0FFICIAL CoCo Co Power $ --= O G ceronea No o 0 Rewm R=R O (Erxlorssnsxrt G G (En, ffl Rs _ "' "' M m total Poshrye Fuse r- r. 0 USA, OS Attorney O p __ __ US Department of Justice C 0 w? Federal Building M1 N or POSwft 228 Walnut Street pbZ/AH P.O. Box 11754 Harrisburg, PA 17108 yyor Hasler C .1. Q O © C Gw 05 . Ch Q) INj G) O ? N M C) , Postmark Hera i ---- /6*- ? N W j gN AI W O G 3 0 O G O G W -J Pu 03 -J O s b bw- /4 / LVO&WO-ZO-ML NSd (-SU) 9003 PnftV'009E wed Sd •Ajlnbul us 6ul4ew uogm 11 jusseid pus }dleaw sjgj BASS UNRUCI 1 •I!ew pue e5vi.?sod 4ilM legel xWe pus 43siep 'Pepeeu iou sl idleoea Ogig eiiueseid esseld Bjuailsep s! ildleoe I? re pe44ieo e? uo4iewpod a j! ¦ • Aiewlea peWsou wewesiopue eta 4i!M eaeldllaw eyi >Naw jo ?lAep eyi eMMV 'iueoe Pe?o4M s,eessCUPpa jo eesseippe e4i of peiouiae? eq taw tieAltop 'eei leuo4lppa us god ¦ peiitnbei s1 idiom I!gW psllps0 jnoA uo 419wis0d sSdsn a'idleoei wniej eieolldnp a JO; JeAP&M 991 8 "GM ol'.P%Bdrt ed idieoed wroo! eoeldllsw esioPu3 'eei 84i J9A00 of eBeisod elgaolldde ppe pus eg*m eip of ?41,8E wJOj Sd) 01e0e8 wniey is 40M pua %eldum essejd sopues idleoey wm% upggo ol'tieMleP W load ep!nad of peisenbei eq ,Caw ?dleosH wM9& 6 `M leuoMMe us jod ¦ 'IIeW paispilSol J jo peinsul Jeplsu00 eseeld'selgenleA Jod 'IRW Pe44iie0 411m 03alAOdd Sl 30Vk13A00 3ONvunSNI ON ¦ 'flew leuo4swewl ;o sssp Aue joi elgellana Sou sl 1leW pogWoo ¦ '®IIaW Aluoud Jo glaW 98810-18Jld tWm Peulqu= eq AINO haw 1!91N Pel1Me0 ¦ trspo?cusf??umioduq sJseA OW aoi solAieS 18480d e4i Aq ide>I tiQAIleP io PJooeJ V ¦ weldllwu inoA :io4 jep4uepl enblun V ¦ idiom Bully v ¦ :SBPliwad IIgW PORRAO l Com, %te 4 If hQ% 1. %Z,-- ?'90 AtN We 3 ' o ipecg hehf,te Cra ei°aga ok off o Yocjrll se O'ro.'he mA US ?A82, Atto p Zs a 1 ?U?eo o-j- 0 Ha bu 1 Sg eeg `TUSt-Z oe P / A 1j1p8 2 ? H?!`Nber AS F 2pQa ?a e b_ a r of Q9//ll?1' o ? o /rft 00 ?, ar qe ?? p ?? ?,,S40 mdCm?,`° N da?cc (D M- E Q3 o c0 M-3 E o w '- 'E N m 'a m _ 2 tr E9 m?Qm 4) mmm c W o r n =m q lAti E U U a S E `Em u C EE'®-o (0) 6 c ? O ? me ccv 'C 0.0 m In J. LD t W M ;?i ?• w ? ma Q: E L pO?L E ?W w C O ..m„ y m??omo mEmn a - y m U. o m` 'ip m ? m C W?? o a ° _ > `. .m W m a r 6 o -;R E m Y = c o p m ?(po W c ov c$Q m y O O m mp m'-m§"? N m O C W Q c? eao a Dr- ? w v u A v m p? _dEmct O C N 0H• rnu o m m U e, W - m O cc O c E mw o- N o ? t o w E m vii my°?$uom i0 . C m o c c 7 ''W apf CL O ?aq?E 2 o N G Q j y?omEy mmoS= N L L m p° t o c mrn3 3 cm o?4 o C -0 64 O 'C m U? El El c m =Edmo' = V ?J. 4r 1 IN l ?lrj, m _ w o u E y u O m 1 ,2dax°o w ?`?d,.rJQt sn E D m 1 ? Y y ? v E Cf?nR( wosj Pe!lely? (2.s 8 , r E =o m of M,:f3?, ? it = s U c lL Li?1i fD , - ???n?^1 m i?r ? ? ? O 9 760-39ZH` 10 1 Q 2 3 tis , . 1 W v CL 1 e m N Q i? y ? C O U ? ? ? ? ? o ti ? E m v Q m ? y o° a N ` Iv N V N /"1 N 0 LL X E IL 0 (L p H C6 Vi O ?. C m 0 0 a. JU cc 0 O 00 ,,-??a z' o Sao 0? J V y a) 0 cmi 3wx z N a JM w d Q 7 a N zvz x _ c c 120= z w D cc .o =m 000 Q ? Q w L- Z D CN 9 ? N O ? 1 m D M N d 1 v N a o a 1 c y N 7 M 1 16 Q Z c p 1. 0) a) E 'a Cc< c_ ?V L N M CO t? OD M `V pin C r r r F J 3 D L D 7 C N U 0 M O co L C(D >G N .Q O w UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200• CHERRY HILL, NJ 08003-3620 856-669-5400 Household Finance Consumer ::COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Cumberland County Plaintiff V. Robert W. Miller, Jr. ENO. 08-2813 Civil Term Defendant(s) AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B" 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by order of Court, then proof of compliance with said order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: December 23, 2008 UDRE LAW OFFICES, P,. C. BY Attofneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingseudren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff =Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant(s) AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Household Finance Consumer Discount Company, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 201 Longmeadow Street, Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Household Finance 577 Lamont Road Consumer Discount Company Elmhurst, IL 60126 I verify that the statements made correct to the best of my personal I understand that false statements penalties of 18 Pa.C.S. sec. 4904 authorities. in this affidavit are true and knowledge or information and belief. herein are made subject to the relating to unsworn falsification to DATED: December 23, 2008 UDREN LAW OFFICES, P.C. BY JZ& 'e '/JA -'/ Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE d LL ° m m `o m m t a ~ O y a n m o o m ° N E - o O L. co m r -'. ? E9Ma'Q$ a w v Q? `a c c?m oo - n LL a E ? N WEm w = y 2 C CO) _ boa pd (n LL me ccc M w 42 -?QcEE 8 .L.. O OA E r? cG - r m ._ C N W Q:(D a'lLLL Q m $ o a m m a? y??G> O c '?'cam o t?CL C m E a° >. t0 N O m E m?peo U 0 c CDC p ov'c£om co r x• ? ? dO E o W C N C ? W !E y O Qtly a 7 Ow m E 0 c Em=` v U W D C `m E c c ? > > E ?t m m 7 C C'C> - c y m $ 8 . E o ° 5 y o?to$E C V rii my°o am d i . C y C O.N m o ? c c m W mN? n p? E2 y a y? Q>- om m E m aka°5 O? 5 y ?. O ALL c m o io >cw n'm w moo' o! U??? vof z ?? N £ X80 oo«Evm :B C -0 lQ i 0 m $ aEEa y 6E w a a 144yL!! 30VSOd Sn N 1 L? E g .? E m woi o e m tW y w ?j j P n COOK Z ?cam ` y i??.!G!'LOi7L x.73 Ly x U C G1 LL _ tL :() n f7. O1 1 ; ?s ?? 4twr VVW O W 9LZ&'39ZH9LO w m v Q_ y y 0 w c U U ?? ? ? m y w l > J M +% L c ) 0_ 0 aN Z ° Q 0 cm ° IL a z - -a a o r Qui te 0 ?Q m LLI OHM O LO W 0 0 co c U H aNaoo 16 0 00 InD ° W G to U Wn >m o VGA £ Q Q: co ? WN NLo LD Z ° w Z U- ? 0?? co » c , °- Ld 0 a w R:fq2 c m o 00c aC <L a° W } d ?W ? y m a w zCO) M w- ww W N ; U - 8 t0 ? NQ 0a ul0ll! Z Q ?i L) Pv a V? ? r E? 000 a 4) mjr wW X o ? . z'c Z; Z- MV- cc D0 0 00 w c m c r. z U U P 0 to U Q- 1- m 0- y ? 00 O O N y N d d ` N ?E QZ i N Go o 4) a M Wo O E co E?? y ca ZQ? c --? N M of co h- 1 00 m m F -+ EXHIBIT A C m CL a m 0 Y C V CL m m a O V .a 3 0 U. rn rn N 2 U- cc M 0 U n c m E U O co O co O L CL G N 0 d U. ?°-cmimW`o U) RIF CL c C ? a' ES c g W? ? n =m E?fB (i7 LL EEu H •a E??g-O `? C! d 'omc?v -0 0.0 0 0) CO LL F m W o v W, o M m £ O W m V o p _ 4 0 W m O Nc'Oo t E •a % o CL 6 U ° n E a £a - •p cppo cc pm ??pQ L C O •O C.L..Q m N U o ? ? W Er3U Q' N . v m V m c m m Q 8a 4 DO `mE oEEw9 v E ° W ar mmECD cr E, L m m 3 Ca N C E ° - 8 m M lC? m v° ? O m m . C C N s D ° W o ` .a° O. ? .9 0 V m ? n H-- m N CL -- Q> '-Orn$mEm CX ("D CL > ° m ° Y N O1 CM nN L•?,? 3 ?m oowa?? Cm =v r, ?0 o m 6 U v o Ey O (D E8 CL v- 1 4 L L H E d 9E)VJ.SOd sn `rJ f woad Pai1m a 'D 4) U) ca d) Or' C W .. ..i ' ow co $ -0 o rn m LD 0 a N e' it C O 8 Q ? ? ? ? Z` < c L E CN L- a. a $ o, E' z v v? Vr L a m3 >? E ? co d, ;5 d N Cp AD = 'E U) 0- CD (? y C (? m C= W duWo (L° 2) rn- 04 04 m m? a H yyo c G 0 Q E c lLi? a 3E Cc 9 .- - A2 30 U. it -J v U) t °L?' s8a a C-4 co) .. 3U) = Z m a) CO (D ` (J) ? -ioU= q G. D -1 w W m ?) Q M p 0 .: o ao -25 WSW Q s m =W8rC OQ E Gov Z o ?2an CM NL ° c? = Z O O CD O a fn???? MCD o Z mZ r m U) Ha: r H O d N a U N O N U) E N c Q Z c, ?p ? y (D N > >, ZQ? ? c a•°i J N Cr1 t{? (O f? CO ,,. r r r r r. F•- J EXHIBIT q c m a c ,O CL m O Y V H M m Q. O V 0 U. rn cv U- co rf L CO A a C cu a) 7 r r r O M O co CL C a? ?Yr J Id J N 1IS - V? m c,C 7 2 0 `/ 0 0 C- m C- J A m a?a a c Z? M m , c 0FFICIAL USE ru ru cc cc fa•oe a G Q C~ Fee ?^ D Q 0 POSWII* C3 C3 Flare fte D O (Endorasmsrrt ReQldl'ed) _ -- ru p rU C Told Po tw & Fees m m US ATTORNEY GENERAL m la US DEPARTMENT OF JUSTICE p _- p 3tidaeEi? MAIN JUSTIM BUILDING, ROOM sill ?? r. N or POam p low & Coo(g T UTION AVENM NW --- -- - gig, WASEUNGTON, DC 20531 -r ------ ,. a t Hasler 8c jmm ?D cf) rt, 300 -MA wDVm0 N ?. bF? o B G 0 p Q G?? L1 3 N Or (/? J fl? i ••? 0 V? n co C) j CO N G) cO - -.- 51 EXHIBIT A N W. J SN A 'v C3 0 w O 1'u O 0 0 0 0 O ru .A as Ir w r? LVW-0WW-M9L NSd (bbl) 90OZ 16nOWOO9E -()J Sd •hinbul ue 6ul4ew ueyM 11 lussoid pue ldleaej slgl mg '1NV1110dW1 •llaw pue e6msaod 4W legal x1p pue yomep'pepeeu Sou sl idlem I pile 041 lees esgeld 'PeiIsep q ldl llaW pel e0 ey3 uo eu4s d alll ¦ AlBAB P9;WWy. 3uewes OPue eta Lpim eoeldllew eye Miew jo )pep eya 991AN 'view pezuoiµns s,eeemppa jo eesseipPe e4i of PepAm eQ dew AJ9A!IeP 'ee; RUORIPPO Ua Joj ¦ -paiinbei sl ldleow 1 PGlWG0 mod uosenb VCd 449696 Zd eoosoffeww ? n9% A aenm?n 8% eaj a enreoei of •,pep . ela JeAW of eBmsod elq%gKk a pPe PUe elolua eu>• w ?l l9S U"Od Sd)1d18oew wrgew a 4=w pue alsldum mojd 49o% wr4old upw ol'du3AlleP to pooid epma c4 pelsenbei eq Am xWed wmey a 'ee11euolMppe ue and ¦ I!eW peaepO% jo pemsul Jeplsuoo seseld 'selgsnleA J0=1 '11BW PeRWeO taim a3alAOwd SI 30Vw3A00 3ONVw1SNl ON ¦ '11ew IeuOPwelul 10 seep dua X4 9MI18AS Iou 81 IMN P91PSJ ¦ *PVY f4POIJd JO ¦IIBY11 89810-Mid 4W Pst4gw00 eq AINO daw RM P9W90 ¦ .41spuluou IuKuodwl steed OAP4 X01 eOWOS M90d a# dq idyl dieAlleP Io Plooea V ¦ eoeldilaw mod m; jeouspl enblun V ¦ ldleow dullmw v ¦ :SBP1AOJd 118N PORIP93 EXHIBIT A b4whl11v_, Z 0 cl) ?vo Imo c; ?M cn svm Cl) o? D cn Cl) 3 ? N ? U1 - fp S Oi DA 41 -a .A mesali= Ln ,n, cc) ,no OFFICIAL. U'?.?" E mom r- r` iii to co PoMsps s C3 C3 Postmark C3 C C~ Fee 00 O O (Er w t?Mq?l Fore .?? C C PAehtohd Dstlrsry FN -- -- C C (Er dotssnd PACOre ) O 1 C Tool PosWps d Fees m m PMRNAL REVENUE SERVICE ~ 0 TICAL SUPPORT GROUP C C .. 4 WILLIAM MEWING _....--- 00 , or ?+K-!M AWN ST'i, i 3259 iPHH AWJYMA, PA M96 Hasler C? o ? ? uA t3? 09. rn rnw 1 -1 EXHIBIT A 14 z ?L y? 3 ff 11 G G ?1 w O ru O G O O O O ru ..0 Ln 0" L408.O00-ZO-OML NSd (-G&) 90OZWAnV'0088 uuod Sd •fainbul ue 6ugBw u9ga 11 jueseid pun 1dlesei s1qj eAeg :jNtl1N0dWj •llew pus 98mood 411M legal xpts Pub 4MOP 'Pepeeu Sou 91 idiom H!7a PO W90 0 saes ?.tewl? e I ?PNeuABOd ?o{ eolNo 38od e4i le elo 4i Id 'Poijaep el idles IIBW Peyp?e0 e43 uo ?NewiBOd a if ¦ pmw u. luewewopue 4l UlM eaeldllew eyl Wow io a /e? e et Balm ) oslnpV'Rie13E Pezl?0t4ne 8'sesserppE PPe ow W Poio!ABW eq dsw kGAgeP 'set leuoplPPe ust god ¦ 91 idleow IFM Poplue0 mod uo WVU49W oSdsn a 'td sm wrgej e;rll np a X4JOARM 0%a W49M oy'.p eH>dleoey eoeldllew GWWU3 981 041 Jenoo of o0el8od elgvlldds PPe Pus eppm etg W l l8E TA Sd) idleoeli wr4ow a LIMUS e?eldwoo eeeyd 'e? Asoey unu% ulelgo of '/JeiypP to tooid eplnox? o1powenbei eq l?ew b umpbf s 'ee4 MugMpPe us J0=1 ¦ 'IRW J0=1 '11ow Powwo 4i wowd SI 3wu1 3eAoo 33esseld NdunSNII ON ¦ '118tu leuopeweug m soup Aug poi "gems iou 81 IIsW Peppieo ¦ '9I18161 4JWd jo olle" oeelo-wld 4UM poulquwo eq AINO dew lMW pol pied a lamm" l Juapoduq sued oMl col eoWeS 18180d o41 dq id" dJeAllep 10 PJ0M V ¦ ooeldllew mod jc4 jeypuepl enblun V ¦ idiom Bulllew V ¦ :SGP1Md 118W Pe1111Je3 a r EXHIBIT A ifs:. ?gcl °1 D ? rt C 0) m ?C O Cl) o p x 4 -? 2? 0 ? c Qa Da ?Q " C v n? 0 ?mo m 40 0 0' Ir ru ru 0FFICIAL USE N N _ co co P~ s ------ o o c«unse FM P '7D bna* 0 ?..?? O C3 O oo RSWm RoOW F- Here p M (EIId01MRI l Fb**vM C O FM (EIIf?OI'M11M?? Q , Q N O N O Tdd p wps a FMS ?? m m USA, US ATTORMY N N US MpAWTMm,r OF JUSTICE ------------- o r- ? ` 12 ? r` PUDURAL $UII G Le WAUATf STREET-P.OBOX 11754------------- 229 BURG, PA 17106 Wader C N ? ?.60 rn O01 N m EXHIBIT A q4e--'? jl?l ?r 3 0 0 W c R C: C G C C c a n C .1 pf6c---- LX*OWW-OM NSd (-081) 9002 rfnV'0096 UUod Sd vGlnbu) ue bupew uogm 11 jusssud pus idlem sjyj eseg :1NY180dW1 '1Mw Pue e8slsod 4iIM legal xp;e Pub 4osleP 'Pepeeu iou of idiom 11an Pelpoo e41 uo ?I ?Swls 4d u;I Bupuaugsod Jo; sowo isod eyl la e1o -pta etp luesejd eeaeid 'Pwlsep sl idiom lion peogwoJ ft uo )pawisod a;l ¦ ft tw eoeldpow e41)paw jo >uep 9W Wi ZMR P?041 e ee eippe jo eeemppe stp of pe gmej eq caw k"lep 'ee; IauoWppa us jod ¦ 91 idiom lien pewoo mop( uo *augsod •sd3(1 6 'idlsm wnm elsolldnnp a xu JW40m 8" a enlsm of '.Psieenbsd 9110049 verged "dpew empu3 •ee; OW Je/W0 of SOMS d elgeop lde ppu pus "we e41 of ?11.98 wind sd) idleoed verged a 4?ria pue elelduwo ldleoed verged uier9O of %IIBP ;o;oad a QWx of peisenbe? eq ?ewi l?{ rurgey a'eel IauolAPPa ue ?oj ¦ JOd '1!aW Peylueo 4" W a3alA0 dJ sl 30dd3AOD 3oNdd SNQII ON ¦ '11ow Iauopwelul;o soup Aus jol elgahena 7OU 81 [PH POWSO ¦ '011811Y AIPOUd JOB sIBW 98910-194j 4W PeulquWO eq MNO AM lien P91000 ¦ rsnpuluwo u+sWoduq sUaeA OAP4 do; GOINGS laisod 84i Ag WON ILeAllep W PJOOeu V ¦ sooldllew most jO; isppuepl enblun V ¦ uila<?ea Willow v ¦ :20PIA d 11OW P911RJe3 EXHIBIT A ., ¦ Complete items 1, 2, and 3. Also complete Item 4 If Restricted Delivery Is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: USA, US ATTORNEY US DEPARTMENT OF JUSTICE FEDERAL BUILDING 228 WALNUT STREET-P.O. BOX 11754 HARRISBURG, PA 17108 A. Signatu X ? Agent ? Addressee B. Recehred (Ply, C. Date of Delivery F?D. Is delivery address different from ttem 1? ? Yes If YES, enter degyelow: ? No r, ? it *tered eaelpt for Merchandise ? Insured Mall ? D. 4. Restrkted Delivery? (Extra Fee) ? Yes 2. Article Number (rmnsferr ft m rom service label) 7007 3020 0000 0872 9849 (Trans PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 ¦ Complete Items 1, 2, and 3. Also complete A. Signature Item 4 if Restricted Delivery is desired. X 4 1 ¦ Print your name and address on the reverse z - -44 so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, u - B Received by Printed Name) or on the front If space permits. 1. Article Addressed to: D. Is delivery address different from Item If YES, enter delivery address below: US ATTORNEY GENERAL s US DEPARTMENT OF JUSTICE MAIN JUSTICE BUILDING, ROOM 5114 1 10TH & CONSTITUTION AVENUE NW z' WASHINGTON, DC 20531 ce Type Certlded Mall ? Express Mail "' ? istered Retum Receipt for Merchandise ? Insured Mail O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number 7007 3020 (Transfer from spmce ftW 0000 0872 9863 PS Form 3811, February 2004 Domestic Return Receipt 102595-02-MA ' r SENDER? _E T! ¦ Complete items 1, 2, and 3. Also c:om a ?. A. re Rom 4 if Restricted Delivery Is desired ¦ Print your name and address on the reverse x ? Agent m sothat;,weVen-rstum the card to you. 13 Addressee ¦ Attach this card to the back of the mailpiece, B. by r C. Date of Delivery or on the front if space permits. 10 1. Article Addressed to D. ' iffa rent from Item 1? ? Yes INTERNAL REVENUE SERVICE ` If YES, enter delivery aCdress below: ? No TECHNICAL SUPPORT GROUP WILLIAM GREEN FEDERAL BUILDING 600 ARCH STREET, ROOM 3259 PHILADELPHIA, PA 19106 rvice'fype...,. ? Express Mad M Reglstered Return Receipt for Merchandise 7 nsured Mail ? .O.D. ' 4.Rwtricted DdWer yT (Extra Fee) 13 Yes EXHIBIT A 2• Article Number (Transfer from, servycek9W 7007 3020 0000 0872 9856 PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Household Finance Consumer :COURT OF COMMON PLEAS Discount Company =CIVIL DIVISION Cumberland County Plaintiff V. NO. 08-2813 Civil Term ;T? ; p Robert W. Miller, Jr. Defendant (s) , oa c7 CERTIFICATE OF SERVICE The undersigned, hereby certifies that they have served lerue`' and correct copies of the Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail xxxxx Certified Mail Other (certificate of mailing) Date Served: October 2, 2008 TO: Robert W. Miller, Jr. c/o Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 UDREN LAW OFFICES, P.C. BY:L/ V 1 / r Attorneys for Plaintiff MARK J. UDREN, ESQUIRE ; STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE EXHIBIT E3 P ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 08-2813 Civil Term CERTIFICATE OF SERVICE The undersigned, hereby certifies that they have served true and correct copies of the Notice of Sale upon the following person(s) named herein at their last known address or their attorney of record. UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Household Finance Consumer Discount Company Plaintiff V. Robert W. Miller, Jr. Defendant(s) Date Served: October 2, 2008 TO: Robert W. Miller, Jr. c/o Brian J. Bleasdale, Esquire 931 Chislett Street Pittsburgh, PA 15206 UDREN LAW OFFICES, P.C. BY:Phl) A/)i (h kOrn, Att6rneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE ?7. Regular First Class Mail Certified Mail other (certificate of mailing) EXHI131T 8 r 3 X41Z ft F1o g i ` tT y W N K ~ K N ? K to G m a \ 40 ?o i S v 1? 2 :; ?gm < mo * o F ; M V L 0 or-4 ?m? t I ru ru it it mlm ?1? -U. .m OFFI CIAL USI m,m Ala C3 EM -?_ C3 C3 (a tin Mit O ' O r-a i Reelrloled DsYrsiy Fes (Fndoesunsnt Ro,,y ) co ' go _ O ; Ct -mw RosOye 6 Fees e 1 G O 0 3 r` ,w..??tt sr r+?ti, 8. ? Hasler cCo ?9 0 © rn 0C4 cil m g `" o EXHIBIT B I t r N 3 W p 1 't It I I( 1 0 Q 0' 0 m bi 0 C3 0 0 L-+ w Q" ..0 .c w ..a ru S • Item ee el'a"" WnWel KUd no???¦ =O 14 Ulabn? ¢? R¦s ofa? p PPeawgel ¦e' pw 11 1 mee1N/ a Galood lrleau $141 eeeg :1NyldOdwl NAY owYN?JI uo O Mpd+l?leP ?Po¦yPp¦¦u IOU of WPM II?N ?? ¦41 uo?i?¦od on ¦ SM 49M so"dpw NO sessaippe WMw'° 418P 08 e MMpb ?Mq jo aw ?=Np1? xiadun ?P ? ? ? ¦ ¦ ?yb., 'sdsn UP Ja+oo ay,e,et,od '' ?XU VO. 'l d?¦°u""ye' e ?¦ tp?gp pue N? PP¦ Pu! ¦glrle ¦y? ¦q?oxl oq pip ee u¦oapr?/ ss pert' p p¦ul¦!r!¦? is pwr 3BVbIMW mp omm ¦w¦p _ nm ¦ d olioW AN"'q ¦ s? N¦NI PNIp.J ¦ P¦ulgWW ¦q A m ftu ¦ n p ¦ UNA oft n .*DV,, "%¦W dq Ju aaNy/ e¦Ppproe¦u: ¦ PS FOnn gaM. j,, 2 ,? ?q{ IMPaqwwm mw v 'mod 1t 11;W es EXHI13IT El d LL W .: E to 0 C6 LL n W Qa viI g s_'o m p O It LL n v E o O. ° CN m ° ap cq? :E :5 lA m0 8 0 Q l0 w - a m w r - `C* , Om a COL Qj Cc .r a A)??? cm 2U w O m 'W a tp a E co pV W U- ? C LIJ 0100 a o a° cm = m O LY U V ?? ? ? ?Q cc m n m . ? ? rn N !C W ' C r1 AD , ado f!1 ? t0 a. 0 _j m vj W O E ? m a? O v(? ?QZ 0 W J V 5 w 0?=? N L V _ Z cn M w0= Q o I a> ? C V Q CD N 0 co • O . Em O cr M U) z x W ma v u E a) C :E 0 L 6 ? z Q ? m c E?CO ¢ 0 z J ? 1F F,OQ$0 wojj papevd 70/[jj, _ ?D 9Q16jQ9,7H9tO M 0 N aD 0 cv 1`, Iw Io ico I^ 10 Im 1° I I I I I I I I 00 0 t? 9. I I T mm=mo 4°~m? N a 4 c 9 E0 n E I- ?r m m r o 3 p ? aC 0 .9 E E E " a c • m no2? 'ia?agN? 'a 0 O° p a o'De:s Oa m=mEE E?aEg a a ? 7 .? ? C cgE E c QU ?pp a 0 C ? 0 E a L ? ° L ?? O g ? O a $ ® y m E c > `o $E O $a o»o Q o 'Cal 00 Sr c a .eaQm92 75 1.0 - c c ? ? o C N O.N m G C G C y o " E a m a 2 > mgC„; a $ g E 2mavRc 9E? 0 w Z 0 E a E 0 a° AD O a C w ° aa E Cc v z> W H? y AD a 0-0 m r E > ° 0 J EXHIBIT B C a c O IL m O Y C V w m CL w a 0 U E 0 U. W m .aa LLB ti Go V) E 0 U. U) a c m m U L r r O M O O O Q? 0 Q- UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION ;Cumberland County Plaintiff V. :NO. 08-2813 Civil Term Robert W. Miller, Jr. Defendant (s) CERTIFICATE OF SERVICE The undersigned, hereby certifies that they have served true and correct copies of the Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: October 13, 2008 TO: USA, US Attorney US Department of Justice Federal Building 228 Walnut Street, P.O. Box 11754 Harrisburg, PA 17108 UD E LAW OFFICES, P.C. BY r Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE EXHIBIT B i i i i 7 i 0 x !0 1"1 ?s .0 0D ?y K M e, m w P, lop k 0 NK N rt 0 0 N (D rr ?tnN0 o rotortQ,rr,K 0 O m ?-' Q lQ Fh rP N y OD ? St O O C v -'9m 0:0 0 30 ov0 .,, M.4 2D° m jwOjA? vM0 Q Q Ir ru ru r- OFFICIAL USE ca CO P-MM Q Q CWW*d Fee V 0 C3 =R " M Or = Hem o °' a rU M C3' Q Toter Posh" a Fees r M1 M1 o USA, US Attorney p ! Q US Department of Justice ?. C3, Q ..... .. Federal Building ......................... il- M1 ArA08lwft 228 Walnut Street bW80itle, P.0. Box 11754 ........................ Harrisburg, PA 17108 Hasler /©? d ~ y? or N N W w ?1© m N o, EXHIBIT B ill 00I?I G 0 w 0 ru O O O O O G 03 fu cis O L"6-00M-OM NSd (+-eH) OM WOnV'OOK W)0J Sd •Ajlebul ue 9ulilew uegtA 113uesBid PUB 1111e3eJ s1y1 OARS INVIVO 1 •1!ew pus 689mod 4i!M legal x1p Pus 4osiep'pepeeu iou sl ldleoei Ire01 PeyWe0 eta uoW 9u$SOd 911 'Bup!iewlsod Jo; ODWO isod eta veep -aM eta lueseid eseeld 'PeJreep 91 id lam 1!81N POWOO eta uo WMISOd a 11 ¦ 041 LWm GOSICIPsw eta )Pew Jo )pep ow eepw wooo pezuoLa a eessei? Jo eesseippe eta of peloptm eq Rsw r JOA118P 'e91 MWMPpe ue aoj ¦ el idiom lion peaaieo jno6 uo ewloc)d %dSfl a 'idleow wnw ije? nnbej col GAF- 9% 9 "em ol'.PelDenbeu idleOeu "Wd 19w ewoPu3 'eel eta Jenao oy o5sisod sic"dde ppe Pug apps eta of 41,813 wioj Sd) idleaeu wnleu a 4=w pue GPO= eseoid e? idleo% wnm upw of 'Aj"leP to looid op!Aw q peisenbw eq Kew y uiWbf a ,e% puop!ppa ue joj ¦ 'oj '11901 PeIWOO 4ilm 03alAOUd S3 ?JMN3 ? 3ONvunSNII ON ¦ •I!ew reuoa9we4ul to 86810 Aue col e1ge1!ene lou s1 lion pogwo'J ¦ '611M AWO!Jd Jo elMw sselo-vulj talm peu!gwoo eq ), 1NO AM IIBW P91poo ¦ =eJ /uleH tuaioduq siee6 oH4 jol eoweS MMd OtA Aq ldeM IIJSMIGP W Pion M ¦ eoe!dlrew inoA x4 Apusp enblun M ¦ idiom Oulpew v ¦ :SePlmd IIBIN PISIR 1 O EXHIBIT B • p"? Iff ?e 2 so b IG *b 40?*? If r0.- O-Z-42 ca h? -! Ug US F'ed eA Atxo 2z8 B met t LY p' 0 wad U.J z of R$rri b t at", 1C g- ece 9, P Pg F 38 1 9 2oo; R Olt" O-Z7 D -, W for EXHIBIT B 7 LL1D m _m W a s c E ° w€ C V ? m E mm w ? ?wv mw E c!?W ° = , 5q ,1? E $ cLi O m L !n LL E?mm W a W = m ES C C m r ` 0m m mr' a C CALL m 0 tOm Eoc 17 LD - W m O ? O E p? C O m LY m LYLL r vow?o m O m ?•- N Q Co m0 . yc z » W E'a a ? o c m c GG O W O _ .tEapE>. a E m w W.r C W y M oZ °0 W as-c"§0o x (n 0 0 m V C C ? Q t? W a 7 ?w m Smm? SmE_?c a a'?E E o°i? u L j? m m C L `?0 - ? C 7 tl1 C .0 Y' C m ... o m t ? ? m ?A .0 9 m E 0 . C m m!A 7 -0U E W ?. N Em?'gcc ? O O V W c8 aoo E?n?«W a O > m o E a E CL m d O m m c °c a W L L p0 rc _ _ W Y m,3 3 =d > ° m r o ooy ajC41 to o L 0 P U?? C W ? E cc ° o- E? m WL 2 U i?Li1 i •- yVJ r?/ E?Ev mc°i ? 2 m c pj ? c ° E rn p S i 3E)VISOd S 1 ? E a ? °o ° t _ . n ? i r u E CL: r ? 8 P it m Q ? MORO word pap ~ _0 CD x LL p ? ? O W t">.?'.}ZH9-, 1 Q W o a I c a m v N W ? 1 U ? ? ? ? C6 I T o ? 7 E m t o Q co qr o Ln a W O CL = o LL X E /1 Wo Q U f v m 5 0 CD Wo W DO Z 0 ?° p ? 0 0 Z J V 05 _ u v _ _ Z } Q D 4f W _3r? W F"CO `o y Z0dt = v Q S wow Q, 0 Z Q CO D tom E 10 E CO U) N Z D N 2 of O U a r2 co o 04 _W LL f U N D y LO N C Q Z o C ?• C d O ca z 0 C ' L CD N Lo M M er LO Co h co m TC r N- J (? O e - e F - 0 EXHIBIT B a C D c c? N .Q U r O M O co O L C? G N O ? _' r.,? c?.. ? } A_J t --...: t ..... c y.~.7 °'""'"? ? ,.,? M Household Finance Consumer Discount In The Court of Common Pleas of Company Cumberland County, Pennsylvania VS Writ No. 2008-2813 Civil Term Robert W. Miller, Jr. Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, states that on December 02, 2008 at 1644 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: Robert W. Miller, Jr., by making known unto Desiree Miller, wife of Robert E. Miller, Jr., at 201 Longmeadow Street, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. William Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 12, 2009 at 1453 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 Robert W. Miller, Jr. located at 201 Longmeadow St., Mechanicsburg, 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: Robert W. Miller, Jr., by regular mail to his last known address of 201 Longmeadow St., Mechanicsburg, PA 17055. This letter was mailed under the date of January 9, 2009 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED. Sheriff s Costs: Docketing 30.00 Poundage 20.17 Posting Bills 15.00 Advertising 15.00 Law Library .50 Prothonotary 2.00 Mileage 29.70 Levy 15.00 Post Pone Sale 20.00 Surcharge 20.00 Law Journal Patriot News Share of bills So Answers: R. r-00- BY Real Estate Coordinator 413.00 432.92 15.52 ' f ol3,1Y v/D710y?.. ?o• 7 c ? 3 31) OF THE PPO? Hn,.W)TAPY 2009 APR -8 AM E0: 03 CLIk. Tar?i u1A i i UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. AINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer €COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff :Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. ':NO. 08-2813 Civil Term Defendant (s) AFFIDAVIT PURSUANT TO RULE 3129.1 Household Finance Consumer Discount Company, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 201 Longmeadow Street, Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Household Finance 577 Lamont Road Consumer Discount Company Elmhurst, IL 60126 5. Name and address of every other person who has any record lien on the property: Name Address None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real EstAte Tax Dept. Domestic Relations Section Commonwealth of PA, Department of Revenue 1 Courthouse Sq., Carlisle, PA 17013 13 N. Hanover St. Carlisle, PA 17013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 7. 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: Name Address Tenants/Occupants Brian J. Bleasdale, Esq. 201 Longmeadow Street Mechanicsburg, PA 17055 931 Chislett Street Pittsburgh, PA 15206 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: September 10, 2008 UDREN LAW OFFICES, P.C. BY : f)T Wo VAAJjU&UL" rLV&:!!f Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART V?INNEC, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company :CIVIL DIVISION Plaintiff Cumberland County V. :MORTGAGE FORECLOSURE Robert W. Miller, Jr. :NO. 08-2813 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Robert W. Miller, Jr. 201 Longmeadow Street Mechanicsburg, PA 17055 Your house (real estate) at 201 Longmeadow Street Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on March 4, 2009, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $130,591.76, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TARE PLACE. a 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669- 5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ALL THAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described.as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Longmeadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48, 169.00 feet to the Northam line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly direction along the Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BE GINNING. BEING Lot-No. 49 on a Plan of Lots known as Plan No. 2 of GREEN ACRES, which plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 4, at page 3. HAVING thereon trotted a single family dwelling known and numbered as 201 Longmeadow Street, Mechanicsburg, Pennsylvania BEING the same premises which Larry M. Pentz and Dorothy V. Pentz, his wife, by Deed dated 1027/'94 and recorded 11/01/94 in Cumberland County; Retold BoQk..l 14, Page 351, granted and conveyed unto Craig-E. Pentz and kimFerly Pentz, husband and wife, in fee. i Parcel No: 20-24-0785424 BEING KNOWN AS: 201 Longmeadow Street Mechanicsburg, PA 17055 PROPERTY ID NO.: 20-24-0785-024 TITLE TO SAID PREMISES IS VESTED IN ROBERT W. MILLER, JR. BY DEED FROM KIMBERLY PENTZ, WIDOW DATED 2/28/2003 RECORDED 3/7/2003 IN DEED BOOK 256 PAGE 93.. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 08-2813 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY, Plaintiff (s) From ROBERT W. MILLER, JR. (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 $130,591.76 L.L.$ 0.50 Interest from 7/19/08 to Date of Sale 3/04/009 ongoing per diem of $30.63 to actual date of sale including if sale is held at a later date - $7,014.27 Atty's Comm % Due Prothy $2.00 Atty Paid $158.00 Other Costs to be added Plaintiff Paid Date: 9/15/08 S 1 Pro nry Q (Seal) By: Dv t/ e. PutY REQUESTING PARTY: Name: CHANDRA ARKEMA, ESQUIRE Address: UDREN LAW OFFICES WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 203437 r Real Estate Sale #16 On October 31, 2008 the Sheriff levied upon the defendant's interest in the real property situated in Mechanicsburg Borough, Cumberland County, PA Known and numbered as 201 Longmeadow St., Mechanicsburg more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: October 31, 2008 By: Real Es Seggeant 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: January 30, February 6, and February 13, 2009 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. S before me this 13 day of Febn1 13 2009 A4 19 vzx?7-? Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commission Expires Apr 28, 2010 REAL NOTATE BALE NO. 16 Writ No. 2008-2813 Civil Household Finance Consumer Discount Company VS. Robert E. Miller, Jr. Atty.: Mark Udren ALL THAT CERTAIN House and. Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Long- meadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48, 169.00 feet to the Northern line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly di- rection along the Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BEGINNING. BEING Lot No. 49 on a Plan of Lots known as Plan No. 2 of GREEN ACS, which plan is recorded in the Cu' t County Recorder's Of- in Pion Book No. 4, at page 3. HAVING thereon erected a single lanaroKn end numbered i Laso+v Street, Mechan- icsburg, Ptrir?ayiearua. BEING the same premises which Larry M. Pentz and Dorothy V. Pentz, his wife, by Deed dated 10/27/94 and recorded 11 /01/94 in Cumber- land County Record Book 114, Page 351, granted and conveyed unto Craig E. Pentz and Kimberly Pentz, husband and wife, in fee. Parcel No: 20-24-0785-024. BEING KNOWN AS: 201 Long- meadow Street Mechanicsburg, PA 17055. PROPERTY ID NO.: 20-24-0785- 024. TITLE TO SAID PREMISES IS VESTED IN Robert W. Miller, Jr. by deed from Kimberly Pentz, widow dated 28/2003 recorded 3/7/2003 in Deed Book 256 Page 93. The P.triot-News Co. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 the PAdAAAiot News 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: REAL ESTATE SALE NO. 16 Writ No. 2008-2613+6ivilTerm Household Finance Consumer Discount Company VS Robert E. Miller, Jr. Attorney Mark Udren LEGAL DESCRIPTION ALL THAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: , BEGINNING at a point on the Southern line of said Central Street and at the Eastern fine of Longmeadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan of Lots; thence in a Southerly direction along the line of said Lot No. 48,169.00 feet to the Northern line of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, 01 /21 /09 Sworn to a bed before me this 25 day of February, 2009 A.D. Notary Public CC?IVIMONWEALT".- E l'fNIVSYLVAN1A, 4otp;aa: sf-al tl brie t_ K;isne, NOtarY PUbrIC p C 41y Of HarrigburrJ 0auohin County My Comn*sior, Evi" Nov. 28, 2CM 1 Member, Pennsylvani :^kssociatlon of Notaries 01/28/09 02/04/09 T'ia' he rs +,he Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with it 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 Tie Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been cortinuously 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 REAL ESTATE SALE NO. 16 Writ Nor 2008-2813Civil Term Household Finance Consumer Discount Company VS Robert E. Miller, Jr. Attorney Mark Udren LEGAL DESCRIPTION ALL TIJAT CERTAIN House and Lot of Ground situate on the South side of Central Street, being partly in the Borough of Mechanicsburg and partly in the Township of Monroe, in the County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the Southern line of said Central Street and at the Eastern line of Longmeadow Street; thence in an Easterly direction along the Southern line of said Central Street, 66.5 feet to a point at comer of Lot No. 48 on the hereinafter mentioned Plan'of Lots; thence in a Southerly direction along the line of said Lot No. 48,169.00 feet to the Northern he of a twelve (12) foot wide alley; thence in a Westerly direction along the Northern line of said alley; thence in a Westerly direction along the Northern line of said alley, 66.5 feet to a point on the Eastern line of Longmeadow Street, aforesaid; thence in a Northerly direction along the 'Eastern line of said Longmeadow Street 169.00 feet to a point on the Southern line of Central Street, aforesaid, at the point and place of BEGINNING. BEING Lot No. 49 on a Plan of Lots known as Plan No.2 of GREEN ACRES, which plan is recorded in the Cumberland County Recorder's Office in Plan Book No. 4, at page 3. HAVING thereon erected a single family dwelling known and numbered as 201 Longmeadow Street, Mechanicsburg, Pennsylvania. BEING the same premises which Larry M. Peni and Dorothy V. Peni his wife, by Deed dated 107194 and recorded 11101/94 in Cumberland County Record Book 114, Page 351, granted and conveyed unto Craig E. Pentz and KimberlyPentz, husband and wife, in fee. Parcel No: 20-24-0785-024 BEING KNOWN AS : 201 Longmeadow Street Mechanicsburg, PA 17055 PROPERTY ID NO.: 20-24-0785-024 TITLE TO SAID PREMISES IS VESTED IN ROBERT W. MLLER, JR. BY DEED FROM KIMBERLY PENTZ, WIDOW DATED 2128/ 2003 RECORDED 3/712003 IN DEED BOOK 156 PAGE 93.: This ad ran on the date(s) shown below: 01/21/09 01128/09 02/04/09 ........r ............. Sworn to a sub ribed before me this 25 day of February, 2009 A.D. Notary Public COMMONWEALTH OF PENNSYLVANIA Notq?8'; Seal St+ettis L Kish;, Notary Pubk City Of Hemsbut1l Dauphin County My Cgnyrftsiop Expires Nov. A 2011 Memper, pennsyivania .Association of Notaries UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Household Finance Consumer :COURT OF COMMON PLEAS Discount Company "CIVIL DIVISION Plaintiff €Cumberland County V. Robert W. Miller, Jr. =NO. 08-2813 Civil Term Defendant PRAECIPE TO WITHDRAW JUDGMENT AND DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above captioned matter JUDGMENT WITHDRAWN and ACTION DISCONTINUED WITHOUT PREJUDICE. DATED: April 17, 2009 UDRE S, P.C. BY: Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE -LOUIS A. SIMONI, ESQUIRE RLE0- "i t ll" OF THE PRO P-Pkn- TAPY 2009 APR 22 PM 3: 0 & culvb?:? N,