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HomeMy WebLinkAbout09-0543IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. Cq- 5q3 iV;l -ram vs. TRACY A. ZIMMERMAN, Defendant. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomonktuckerlaw.com Michael C. Mazack, Esquire Pa. I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 I hereby certify that the property to be foreclosed upon is: 223 Wood Street Camp Hill, Pennsylvania 17011 Township of East Pennsboro Tax P el No. 09-02-1850-212 Bre'ft A. So mon Attorney for Plaintiff BANK FIN:344379-1 000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) TRACY A. ZIMMERMAN, ) Defendant. ) CIVIL DIVISION No. IMPORTANT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 BANK FIN:344379-1 000011-097225 AVISO Le han de mandado a usted en la corte. Si usted quiere defenderse de estas demandas expeustas en las paginas siguientes, usted tiene viente (20) dias de pla/o al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregara la corte enroma ascrita sus defenses o sus objecones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidasy puede continuar la demanda en contra suy a sin previo aviso a notificacion. Ademas, la corte puede decider a favor del demande\ante y require que usted cumpla con todas las provisioner de esta demanda. Usted puede erder dinero o sus propiedades o ostro derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIALAMENTE. SI NO TIENE ABAGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENIRA ESRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 BANK FIN:344379-1 000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) TRACY A. ZIMMERMAN, ) Defendant. ) CIVIL DIVISION No. D 9- S Y3 - r&...-COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES PNC Bank, National Association ('Bank"), by and through its counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in Mortgage Foreclosure: PNC Bank, National Association, is a national banking association organized under the laws of the United States of America with a principal place of business at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. 2. Defendant, Tracy A. Zimmerman ("Defendant"), is adult individual whose last known address is 223 Wood Street, Camp Hill, Pennsylvania 17011. 3. On or about October 22, 2002, Tracy A. Zimmerman ('Borrower"), executed a Direct Installment Loan Disclosure Note ( "Note") whereby Borrower promised to pay to Bank the principal amount of $22,701.00 plus interest as provided therein. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein. 4. The obligations evidenced by the Note are secured by a Mortgage dated October 22, 2002 (the "Mortgage") given by Tracy A. Zimmerman ("Mortgagor") to Bank, encumbering certain real property located at 223 Wood Street, Camp Hill, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded on November 13, 2002 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Mortgage Book Volume 1782, BANK FIN:344379-1 000011-097225 Page 388. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 5. The Borrower is in default of the provisions of the Note for failure to make payment when due and therefore the Mortgagor is in default of the Mortgage. The Note is due from July 25, 2008 and as of January 9, 2009 was past due in the amount of $1,763.64. 6. The Mortgagor is the record and real owner of the Premises. 7. There has been no assignment, release or transfer of the Note or Mortgage. 8. On or about September 26, 2008, Notice was sent to Defendant in accordance with 35 P.S. §1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91 of 1983) and 41 P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the date of the Notice. Said Notice further advised Defendant of Defendant's rights and obligations in accordance with the Act. A copy of the Notice is attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amount due Bank under the Note and Mortgage as of January 9, 2009 was as follows: Principal $5,606.01 Interest through January 9, 2009 (continuing thereafter at $1.0735 per diem) 77.10 Late Charge 40.00 Attorneys' Fees 1,015.00 Costs to be added TOTAL $6,738.11 10. The total amount due to Bank under the Note and Mortgage as of January 9, 2009 was Six Thousand Seven Hundred Thirty-Eight and 11/100 Dollars ($6,738.11), plus costs and attorneys' fees. BANK FIN:344379-1 000011-097225 WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Six Thousand Seven Hundred Thirty-Eight and 11/100 Dollars ($6,738.11), plus continuing interest at the contract rate from January 9, 2009, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. TUCKER NSBE C. By: Brett A. olomon, Esquire Pa. I.D. #83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorney for PNC Bank, National Association, Plaintiff BANK FIN:344379-1000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) / vs. ) TRACY A. ZIMMERMAN, ) Defendant. ) CIVIL DIVISION No. AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA ) SS: COUNTY OF ALLEGHENY ) I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendant, Tracy A. Zimmerman, is not a member of the military service of the United States of America to the best of my knowledge, information, and belief. Sotbmon for PNC Bank, National Association Sworn to and subscribed 1-1 this 23 day of My Commission Expires: me L EceayJ. Mz*. Notary PubNc CRY UNANOw Of Pftbx n*% Member, Pennaylvanla Aasociatton of NotaAeg 4 2= 2009 EA4TH OF F'ENNSY ' Noferlel3eel CWCounty BANK FIN:344379-1 000011-097225 (Page 6 of 31) Page 1 of 3 erect Installment Loan Disclosure and Note mower: TRACY A ZIPSIIlERMAN Lander: PNC Rash tbff0wl Assoeii ties p PNCBAN< Date: 1812212882 es p,,WW by' ?' we em goYc tdess movies! '®' or life egetindeel. „th4n•Landbro 6bcwa1Nea x. s..u.. el Aan rww iwswr sd 5ec11111tr ldm B ?tp e ncitay itdaat in daosils or t6ta Q Not . ©a a t IS no wld y held by Ltdat M ill Idl?IS Mrs d Ys die fell. Bamssa my he dxpd 7Real Estate. Goods r PaaPearY babas fYrciwni on pow of $20.011 w 5% of k r Rwweef P"s Mt std Pro". l 3".w Wil on "a is M a Poetry. psL• I open pabn=(D NO Arp ow.0 Till And M of Wilke, colo d Ndas Stan Bwrtwa's Naciosl bStdlecid Pacadpe Rob Mss rot SAM Nb actaiet ear O fired dip* a,eawriwwp offer w•i?EtpC ins to Leader nary sUo sweat alit rlbe. bdom a it dis leas is s•wxd by a dsnN aeaaaa Nwre Qll tae want s X5.50 MsdaWeam drai'nt coemot rsrse 111,11, asais4w N *4 b- on do allow terns. T bo teWe. rw This Nei comma a s rariatN rare Nave. D'wscNsaa that The raiuhlt tit ban ben hale Raewaled to you wrier. TIM 6 Pweletapw Ub my' , as B do P4m Rea ptrbbd N lb Nbt &AW J-Sd barrow. 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Fw twatis, p yew bus awep IN III = 0 41111101 rswidtl gait Of 131121L stOSritlt N 40 m1 1 _- prangs Of 127016, ad da fell h=NN1 b 14 la% dew 12 pysems Ntresed to t5 112% after f2i4 12 prewaa; led lbw reweswrad t6?spte tw qa wen d do Nw far wtaY w s lat a fay w ad3dad Mpa be -T low v-. 110 Deal pasa daa4e. fw?aasw d on vay?+ way r wpLIJ now of the p b bda a Staid nor d 133 I 14 Ia% MM 12 pavwam talarabb ? ror P"Ww a si 4283M OW ewafM?Neesal b? noeme b 1s 1R% e w dw sat t2 prams lei dos reeriead qwo era h Stn ewe d dr Nsa da pyeael wwm award dean to (227.12 tw da 1/dt daaapiw tat clod faga? nttie pPtraet plea is decasStroN for war serial do Aaaamtic himm r- ObcOwd d 11 •weowa's eaada+emiasN da etrw warrdn 1w pbq Nis taadmb d war came ft raw to baw a. Aar imcm in IN rate are ease the prced+pe wlnt oneself to baamt. 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Leath ray weteiae Faorrlal bows Irma tw tlewreaww's prwspn d bwmm'Bwmwer' wit Is, saed may no In a -MAW. !rat slued Ctea Life Name" wbkb cams S Signifies of Page a be iawed for Sftb Cerie Lib bas foe not Swnple Craft Disability Interests whirls tests 3 Sinew of Farad to be Want w Siao% Cities OhdAy howme want Joist CtW We NSwaert wwliwch costs f 1. Z &p an Pastes to be bsumd la ion um lib btmm news does am desire IN is ant 0606 far cre&t baramr. Ulm" of eanaww dice to oaapwalsl: The maboo man of cwwspe rehab iwwad BmmrwaW wi rtwbl & tM feed N dw terN6ttda m rafey n aplti Ak. feet Loan Nate Index. The ides is IN wrwiaat and Mwwa. It situp set twit Stn aa+a 1 w soli or voictse live aawdtas filer to do of ar of the Note. .cdaratka of ON adsileiwe balsas _ ____ j4 ocasi n of prwreds wme.. 24 tone's' fns z25 n maim papaw dw! sowwa's resmatkiiMrs Z14.25,27.31 wrwps In Islamist rae_ ___ ___ 4.5 6 7.12 3d np eons A of Well no ?' - 6 b wd - --j1&= vetoes aepr m 2.22 aff$Mk t M cleceraawp & Wed debts 22 mIp" IN , 6 wt tests 25 edfl bourasce _? __ OR1A10e665 0102 D* below 1A 0** me -4. 1 li 14 D"irwt I oeley in eaNwcow is t ? 23 ut0d delft D iep 29 EWIFPPI" 4p FMOlaerrasste 20 bw 2B Heim b§Wld 27 today 4 barley ,,,,, _ , Y„_25 hma w dwths 21 Imetsst din sawhy lid ldpwet 13 Imufee form ? 24,5.47.4 We dwps 10 feel zn terwda's rW ieadorn w:beks- 21 PV OLNACS Numbot 9476402 pp pymler 3 7 hNaddr IaMawwal cMeales 7 bbl *k pNia 25 Pidiolvild,ah- _.._._.... 29 p hyrweel lee oea 3 w 7.7 sepiwprnraplenbwey fwar 27 isaprioseat ,19 Paeia b pr 2 W&Vo - - - 20 ? oe Marrs 7 17 Rdaa d pawdty „_ W__._ 17 RNNFdm 14 _ IklrsrGoci Charpe 71 a.arNrNpraaa _---- 142!23 &eaaalr beast ehaatee iB • sewatby brwost b depots 23 ywwwwble rob 215 EXHIBIT A yITAGE Amount Fum=d Total of P' ss eRwiet d aedtt The rabatd ft terrawertt F46,,8936 ewnwafl aaAr S et s ' M slw VA law Pelf! ettw Burrower dus The cast of lla he t3enoroar. m oil tlw parofete IdQ et payttwlds as bow. Borrowrer's gL41 os a stila?tM ready late. 7:125 % SThe22,701.00 $28,890.96 (Page 7 of 31) Pago 2 of 3 Direct Installment Loan Disclosure and Note Borrower: TRACY AZO MEl1MAN Direct Installment Loan Note 1. Definitions. III this Nets. tint Wald 'Bottom* tgtaad each and oO of ffese who sign Ws Mme and tech and an of those who indorse 0r dick Mitch MOM ft Arwom given rballir r Bm win.' The veer I "Loader' *Area yK Eaek Natbat Asseeisdss U tiny Pam to whoa this this ha bean transferred. 2. Borrower's Promise to Pay. To repy thin 'M Boeasra IsOnieas to Par la fader g 22.80000 with lateral a din aapaid blare tag the dets 101A are odraaa I stets flow in 01111. ise0sad sirs be paw o the ago par amen d 6.1 !6 Dmrowr /tames is ache pgwNS M atsal I wm tM prl w ssh.1. ow in fhb Nits. go OWN pa dm 1e par M Lowder at albs aawerme wfM aq t - dw falter the tree of aria Weft. hncbft d apPlltdk COO IMM hmim LO he poyamtgsat She poa Chaps ad pas of Cdselia. so OVEN apes ac din %wg bV lain. Baaara alert also bs n a' a p r u lrir certain eta ahr/es bea ve testier tee on ails use so a marg. linear dwees. B OR. sit stall ere paaa an ie'Dami dha d Anniemds pow by Borrower nt to two the ken is ass' odler in the Settle on Statonoral. 3. Payment Schedule. Banco r agrees to par is leader the awus this udw din Not d t 34324 ad a fired ®is tariatatttPt a M by Lembo: Q a pargwas, e4dde be habd led h ratio d oil agrblol agid awowts Payast-s gird be via a tlst a list tametb?d tech attgh strtbp on 1112fM2001 . PoWeeft tin? Catboat ad 81 MWAMa der ere part udtM M/ madly formats. tint apt fa list memhe ihewx Mason d s and s rod ?a? M which will be blid by tier leader of as 0 mu, 19 ward aamom Payow" wit be da on the same tiny of each MOO dEdag en . PROVOED. HOWEVER, to no p@1010111 shag bin der drsNq nfw snmhs d a Q hr a single tsyawnt d ! card year. on aeaad 'amass and at other amooms doe an 0 M additiat prier to tie mamb of the W schedobd Folate- as stated abort. irmse rt dial he pW* nobly on da sapid bafsna and slay be din at the sum day of the ersriW a tla oar Oaraaas. TIw tall Win Ihe Gal pyaam b sehedded In this OarspaPh M he ? b orated fir 'MRUWky Date' d the floM. if Bataan glens to prcMa Credit Imaame ad then meets to aged On Croft Ia peam do Paynatm Sdaddo malt rharrla a des dM in the 'Credo laaranes' 0 of 10 4. Variable Rate. ® No Appacable. ? The interest rm an this Nat an dwga Word on degn in din hmtad Rata tads l'haaa'!. The low Will he fused a the Ataagin the Mier, amt @"it" doesto" if any. The Mho mot chaps here dole to time: the Me* Will mean W sae far the test of the Noll. The is guest rate MM in the 'Balater'L PseaiY M Pay, b the 'lee Roe.' The Bap not era compted by soNW* aCl h I original 1.? ad Sets sebo klaosl?roa o??aAntomak Payment mams angMad a son the Walt k list amine Mho o do pa of do ad)memrm f:a* Is sM eaAMM aescrosa MbwL and do@ nblesttp the Amoasdc Papovent Pon DbCM alldfa the 06 Obvewt 9 Mpg II Tin twat rot an 0is loon may be 4wd mammy, an dst Oat tdsltlx by d alit glair talk botasin at tin assails dW do lasts ore sPUMM d?Mra? The moo is O po 101111 31Tier Mies o list Xwaw .weN Rrwa aria rats ?, In 8o w "M w.f saw ' sterna ?nrr w, fMe'1 err tae kin toy a aameb rite Most bras b pai11be1 b Whe prsCaiaS IalaMx mamht Tit Mtn k mm aoeesarBy W Maud all tdo."br f:emim a bin tl tot tastes sltal am Is be atallhb Laois dr1 plies a nor s, a" in Latkes tab opinion no a musadle bases eaeMans.. to dot being. The rowel barest raft wil net brnaae Or 4110=8111 mine spar sae plro arlap PM in MR cdsada swat, and alt wt b Brown a din- sera tort an psewtop peat alga din tag of the lean. on so the" in din fades. U chap awed by a tmaimoI of she Amaamk Papan Pas am Clement In oo arh a to tM "a*= set forth in the pneioss Dbearrw a We CIl ttntenuJ The snrad Interest stmt tvi rem seined iNL 5. AutomaticPsyment Plan. ONm AppktW ®Bomwm audoobn Lander is ddmtt die porawaa a thishiss boa Isamu s depok accosto seem 5I4p280iW so fads sdiadokd POP" 11110 dog The Internet rate on Ibis bar aaP awrar kf 4250 Oatasnnp patina rAaewneth; /cream man Bkapmar?'i R pritaplba b tin iOMlmleealo?afs ? IMF a?aosmnA M1ideimilad alone err Bmrsera elalaaa M ckse4 a k11 Loa an II01 dad lads lo ig et:aoM b grin list ltA gtamYy pianam M dam pyaam dma. S. Club or Package Platt. Q Not Appkabo. ® Basswn is patlstipliog in the packap of banking services bares as, a is a gmsfiOed webm of a cod poop know as: s The Instant role en do Nate tray lomm 0258 pace isims rckb fJiscotmm'L if participation in tits Packager Pfa or Clair Grail is ftaimed for ay mum Monthly Payment Changes. LZ) The Forme- anamns wit set doge aver the form of tte kw new a dated in the 'Poona- Schell' ® Thin varea-aie 1s may bcreaso per wit not deueasel it Bonower renown PW*%W?rr In der <aJ A er Paekpe Plse ®AOMMIC Paraarm Pko. Lards wa determine the aarptq of pal rtt.awr pslnrws dot wash be snircism to spy in hdf. by the Mgwky Oast, the Unpaid pdn*d bslaru do is eagested to be der on the payment deep der, m the ww bameet sam if Wt psratEtl pmesm win itog e. Laster era no* Btmm of the *UK*@ data NO seem of the new prawn. O Owl" it We bmaat ate may taaa the rweriI of psralrms to dtnpe wdfa the Eroait of the rod parrapot to tinge. One mEtW before the UsuAry Date. it mmssory. tier- wrarAM d py-ms der will araaso so den the fist proton era sot be mote dam 15 ll d tha p dy ada? nsadh psow- [ l2urrla in Wt isttlftat roe nor caw the atmitha of palings to do" adfsr the weant of she p/oras t64 , , easaft lint dwge in the Payment awouet real suss it a date 48 reacts alter tow din dine of nor ant aaeddr Parnraa I su uN flaps. appfcabk, era occur every 48 months thenaher. Net ones than 45 dale, but not Ins 15 dale. belae ding 44# of ask psymm c:honp. Leader *0 eak" the new petamt attrtmt. The Ow" aaeat am lamina how Will ad tbcfgaM. REW dot I twh? Oafsat. Lender win detain the srnwd d pal aoa0lr MJnnras saifidaw N am is 6A by on mat rhy Date. die sepia lraayel b*= last is :"ould M M doe a lhe oa fa?em slow dste, m dr' 1 1 tag b elfro a the tfele ft h:LInILm is NOW Beall. LOW III M* BatM It Ile NOW WA d ai thin pop" Aide wisi unease andot?eaw actin" will be W* that 160% of hoe trorratrdy sebedrde/ raoaNr parawa6 0. Computing Interest. Interest it dWW on a ddy btis, 11CCa1Stt1 is life eetm6ll Wm goblin to barest ore sub by of dr her WK The dear' I , tm Is rfad n din land bloat toga is siting a 00 oil f1si1l/ h Mil grata of dab in Wheat ealaa I der. ewn w =.-. beat Y6aeee Waage A wlwiwed m aYr bm fa, We twraemts wt ash I. I N M ?dp1l, a he ch psis ev4 poke is will wA in Ian falsest bft dsapd. N ft iMeeat M as as No VON all dm, toipe d doW le qM Mfka hate gB 'YatiiM MIM' eataell, Both moor fan Pmpiroas wit toss On aiwsa d WO Bang I l M tdfaap. N do iftu rate an We Nett eat dwes,wave of cow Is tat ban fear dig Vabble BW sedioal. talc IN& lost ialswsM eta touea 69 aadW Ofleperaeas? d 48 a?l at the peyawas of on aaoa d line pgaals sehjeat chop ssotfr the,Warta of 0r Bestpeyream M chanla. 9. AMR-0on of Payments. Leader will aptly payment In the Irttoreig order of prkshr. aeQm ban=. ra wiisa s a Y. imsmst ogo bargain. kin. .0 ties k c" AX loom PrAwrws wo be MAW to Ow swat scderr d aeteddtd psyewms In taw order in whkh they IMarae din. 1o. Late Charge. ONd Awcabb. ®5aromm bas flat Intake gay assess a kit ebap lr oosy m fwd in 10 oaidim 15 dtiys of its din too Tar Mo datagotail bin tow gnaer d !10.00 of 5L of per and mum d the partaasI , the room do on Midi gas paid O lot. Nit late Charge we be der Iaworer 1 payment It ono Is Wee-. M atbibmtabia M a it* drip lmessad a a p w pt oom of p harvest, ohm dda* by BWWM. list 111411111 ststWA%blasce ON this lb* IS tar. No train Ilan on IoM elruge sera he bt;osod fm EM sInlfe sdstdoded 1Mtsaat. 11. Return Check Fee. Borrower spa lbd Latin AW seem a fee of t20JO if tbmmra Bow a Faking- with a that dare is retwd by the draaae for 'flat sdfrie,t hots' in ft et ww a wbitl do dietb is wdtlen. 12. WoIvw by Lander. H Borrarvm has me& or tnkn in taw ho" arnetM Nina agrow erm wild Laden, tender might antis a scab hemmer b tin priadpi dwaatp d borower or someone sea is satin that other lerfapwam. flat s0aaiq aPsaraam roar provide Win Wt It I cp l ihridi saewn tat S* thet ode fees ap/astat has she erg offer kw apasegs of Bmsowa WO lads. lama vWvw Ipso as WIT Note oodess the se --- fastest in the 104al of Is spedlrcaR Over tooaam my saw to 13. Interest After Maturity and Judgment. iliac --I by wkdh lam it tow d We rot pON" in this No"toggling in ectta on the WOW bolssa omit pow in fA arm ohm (whaden by moloobo ve o0 at Vat al -- b - WAV a Berman become a digging In an anion a" Own the fisaisuptey Code KAN 1 aad?aal?a? a tamed sprint In ---a In der amrats M. B r err tMw bows as proridad ire b tow /awgropb h mM Pen ine by taw. Mora *A M thd seem and a tkd time. seaee alWsbijoe all Anted by wOuW bear. B der MwW ass a this NMI to d apt. Mrs bleat tall AM till 4* Mpoiitp a the to a k"* b bled by Lando shag he tit iaaeet all in afbit a dal do a the bung tote stm:1 in ttet'llst 0 "re's Pandas to Psr: wkithertr In, less. 14. Default. 01s ad In WS prslrsplt We Urge -e mewer bdlNes Borrowers. Cakeskrs, Oneranars, faada and any mm of Fanny WMA Is acwkV to this "M3 so go" WIN N M dekth: M it Baewa ties got ash asp pry m kin a on fin dam it Is tie: at 00 16errowa bits a keep any Orataiso grade in this Nag a delsohs in awl mbar nOIL lore a epaesta milk lady. a Id 1 won orb slips din searing apswstnt r a a w"M P u t t din Nall belles aR prea.a aria in the staodtT agrasaeal m mstm8glc imeloig tat and LT AM to da faaesda at to a5. lbw swaperr taafm Wino totMpapatirvAa h Win rAied of the rsrtlsp a sassily interest: er w 1 aw proAatr b wlldt Latta bin sbgbrd o aamiM Merest to stave this Nall b ir1 dotty bad err tsnaa0red toitbb s aroeoobfe tInwl m rlaatrorek a Id it ttaftrra has aria any mares olghWO t er mkeer wmalon M der actin appleayw or my odor gwklkmt er deeaeawaba" er raaia tin aW boa m M spa dg drib of go on or say ea d tlaA 1 flat b atone tiro ota o Id 1 Brower prarihs Laada with fobs inimasGon or forged dgnataes at any tkat:a 00l 1 a Cant with popes Ioriplidion to do a finds that Be"":, or my one of *an is imspsitstd of ban Inges: er 0 it Loader in pod frank beeeves that the pfospaet of Borrower's paying Wig rate is Impaired. 110, - oakin delso t. On entire sutstading halomm an this Now shd be inves"My due. at the option d dw Lender. This will happen widest my pier novice to ilarewo or right to ogre, esapt a my be respired by law. Bomar will also be in defsrh: W it Borrower becomes enohent "of toast pay Brnwer's debts as they become din:er (lei 1 err WW oxedtm tries by ogal pcega te take Err stainer w popefty of Borrower in the Lasts possession; or M if Basswer an o bwkroptey yaaitim or it aoratia ties no kwobrmary badottpnq 04 i Renewer mobes en as roarst IN the fit rhh of t2tlitrs at sty hesdtncr. faelpASaim anagtount. do a wwam. retemrsldp, menbw fipidsda or a ether tepl or all-' 11 promedep are iadmesi by a ophst liaaewor or M 1 eery iolgawnb to berm nit kvg dwp or tae logy is bbd or writ of execution dare is issued against Bawls. 4FCAM106655-0192 (Page a of 31) ?age 3 of 3 irect Installment Loan Disclosure and Note Q PNCBANC grower: TRACY A ZIMAKRMAN Lender: PVC Gant, Notional Association Onto: 101228002 rect installment Loan Note-continued *A kwicktdy die WWW ant (low rMicl t 0 BwWM- Of IVA 18 'CWL elope Ivry be sysiedby law. lefadt by varew or on tW Note is a *fft* on every other awe, been or apreenerrt at nowsr with Linda. Conwat Weaver Pm-isisws. Bwmwn ws4m !? Nyes,p. nit heist belies of latest event aid as air mope; a dsmaeres m eawtaetioa It on diary. sxspasa, p stain ass, date& or I , eml of Ile Nat. Boom leer waives say ripen is eveivivs der No - in =11edbm by Loader. Delay In,EntercariaDm. Lady to Mar ertarcima an tiers «ahr Via Now 30d bile err rrphlR Letters tsars b m osse OR apt smile Ilea wevo also most aer a waver a Nor fi* w paehmb the wetcI a the *M b Be wwm a s imm ware of tie save dyes. torch tai do null the On dad In aolillp ,was. vol sodh serum be sW me aloct ter obiedhos of my 0onvain wddir or dot OMnm ee is Jim aalbe of Yr "Notion. Release of Sane Borrowers or Sooner seco ty. It owe is aaae dm sionsi «, Diet sums ss mare bow by Mir Nita, aahspte taster may ales mop W Getsr« m rebate a stipamo my pmppltr tallith is vicinity her Be "Palos a I Nee. Borrower waives mob dtoaes bail a srahYip ad kppaimrt I of calmed r -why. s. Security Imoreat Charoes.masnwMr spa « per any tetarlian. tfiwa. nsfaniw Mat «aamararrt Ion wilth T in testes. ME I I «s tm prytadu the eat pad, to oeft twk r insist " Iiaoe as relate sty saami?y i«aas sa in the steormy optima to m1 1NIR :. Prepayment. apraaver nor 0"". in IeR or is pmt the stair awed on Ilk to at any tirr without smoky. N B«asnw pagers an bid in pat Berrosw ass to aims to asks noolsdy seird Is prayaaaets WAIN amomat8 Ise mtf the Neu ale d J. If Lender Obtains a Security interest to Secure Borrower Ia syment of this Note, Borrower Makes the Fallowing Additional omips to Lender, p si lot it psrany ie«em e Is reseed by ¦ mrrtpsps who smoky atpesasarBBIMM1M81 !Ill. - mt all de Wes amtbt I Bari ksarmde r rgsirDt ky fader brie, !Y OBTAIN THE UIMBAVM R= ANYONE OF BOBNORER'S OIORE slip d Is nekes me onsbb appeal R am homsen b .piked esramsr his bum sepamoly ttrd. The pgerty interests no tow lea of «damps to Not al«eal w now be m amnat esIndmm to paastt Leoder's igaatc final' wreae ant be of ds tyre d M Rte amoant r pke/ N edral lm: :let Banswa apes is provide Loehr evidants of raeq I I bomma. An psda amt 1M Lfgdll aR a tut Ma kscow ImoIY ail no pails IN at but eft dove tYliNm ties to lade a nol elba Is cove ms o t oneektleat d R scram fads a lop In tarn ter reaaaied imrasa man toss to Ware terra of std ete;a to two, Los& Lay Maly arlaerr so Bottom sham idesse the n o absel iaamraY a apnerrrt'm semis H a s r.rr tab so prelate Ile >aa= wklir its Yaw steed in do trace amge bls to path radiate of nth a Len is i n&. Lfnlo mw pardrse earsaa is Iowa Leeabls beast to Me isoo pormined by awftA a ear. aced these bowswfManama TI de Ti a ? MeltFNOEamtR IE .er mamma I=& edam in ft iRmm MILL 0E Twomil AMYIY mm lE1ilESUn ANO KNIT "wK tm IVMGE THAN MNSINtAMM NOW M CM MOM OTNEIMSE. Ulan masse Beessm smokes is ply Laude do Cam a iteamaaes p¦ewpd ad vhf torts ines ler Lartlef. all Ntew ops duo Ledo my. N peaibml M aepictlb N. aN the can W dr irrmmw s des makes an "hide knees he devoted a the ova V4" Is the Neu. In =I* now Me m*id ww ma my he 11111111110 thsullr a ="' seamte sport ailed sea lamb. Tlds ap ?ay. .r.ill ? mr.aMea in for pralidsq N*d lettomna. h aitlasl- mo sealer rw bempomft bb ammo r M of fe Aphir4 dsks ow VA risks. If for btwaeamm med a?anrmima M Likely «a eve t?ramammds. fdna l'wlssm pWwme. 27aa Litrty Awws. P'al'-06 M t522t emadtCmraflsA A Id is pay all tan do mile ablest. I bwaw« has no per the two, Lavol r hs a atolls to per sr eaa L Ism dsnros4 Bwmww pastes le pit, IS may to Lahr If anima IoW or II , "tan: ft a Lodr pus m 1- tritest a tMDd r oarless Ilea were a de ostburst &Y, erme ttnRk, Is I pt Loehr. a AIM hosma aware spa Is dam to coder atlikkod alarM erase Letter lacer; rA be sasto Is pstact bdsr, 10 to slow leaf the debt is 1aeFect the collateral at say estimator Its. ell to sisinr dr araMwsl ie m?...++esngdss sill noir, ressessbta wear ass rear lot it XFMM am adt I by Lwdr air sit Rae w lass ;Nr Mtn air. at its opimt N permit. by appkdh Ices. sit The mean so straaa'to - ad I - tamp bit= amt iopi rNasmesI with inter" by' maeip Ms ad+atama iyarms w fat Mm maratglpmpi od bdm is e w In M he enbrmMiit spit Maaaonh an ties do has staaM iYmr de papmeat tiK and ad msompar's oamkm aards and tensors rimers are rid in dos maim sera are ape wide cry iadlnra is my to stns sl ON oppy step M Insists aid ro pad 11011. 1. Lender May Sian Bwroiwr's Man* to Nwsrance Checks. trtsemf pits teller the #*A ad power to sips Bev o or's assay an an dock « daft nn m trews soo pemr. TM it Raised a a dock or hale b seam amt., mica, berriu Lehr twit ib iarurama «amit tidier i;eapee. amt clesa malt tiler ekst drape boom eat sots Maarsrms wares popoveroddle satiny far is baRphr samovar does me here the riper iR and spas tar awraaae era ML read i power of tertder to asks Mor inve 's aadmrsarmt Lmdel sty aferda Ml lessor for nits bemfm ell not la lie ew 's basal escapl as ehermia povidd by h". 22. Cosa of Collection. 11 Lmde tea exit a lark acorn s coeect No bm a point de edged or to lmtldt seemly Wow is it. ever w« apmot's ar rrfogpmree Lwdtr's eau wal ap«ws s tbs, N- I y it! wsieta! b> 1sedge aaaerr to pay Ileac eau. Do= foe! now b talon Palebrlens tseem Ii «aasye bs aced nptmsa Is dot arskpelre spawn permitted by splifiCaMf ten. 23. Security Interests in Deposits. The Littler err sdift my mmusu der and sapid enter Ids Tin *W any of aarnw«'s Leary on doped with bar. TM Indahs mP cwt ta`da le seer « wtq i ill hors a tlepsaasd rvidt trite by Bweotrw w rattle ea f f+4wmo ?at'?tlNesnewrr'f gwfe. iKl seer iadrles era ds ti w kR SlWrMM pessatiwwa . The r + twtl ary paw roake m awmmal. 241. Assignment. sanamrr «ay mot amsmp1m a edsfwia wonder big vipers ceder We No is s ovens sbR i,@Ww fm y sell. resat, w swap two Mete, and oar smeh, almtirMb?w11I11IS;aYmoKM;MA Value. nd Bsmw«'e rights all 25. Miltipte Parties. N tlwe Is mom Ms on ImrrarM, set farm to be dib aenawf ape pel star part visit •rpeaher relon" ds d dos MesmMa rq banworar @Mb aswim @b ll InetM?of osay ova eaanwns. w8 1e the emuleabm of sisters to 26. Cwdit bnuranes. N bremarr has elected to paler treed imraamr. Beulwer on CUM *A ir«ame a< say are wOYsu paler. M Ms as a taesarien. ter payasm smrw; dam To tie ?spew Bd W veil an deermfa Adm. she a nM #A In IT on m siaa mra of t4lm?aes? wit M Oineted top- -d 0 holonse of ** Tons. 27. Haks and Persona Iep veseruasives Bound. The positions at pis Nom flog he hail" am to a, ad the mess seal parfoal rpro maatms of AM fem. 28. Gmeenatres Law and Construction. The Mo loss ben smin l by Lana Is, Few Toeb Mel w ems sW Is atria by Leads a Marrow in h«ayboda Btpien a ter wDa a limmi is addaos eve rho pep it e aeb BamtrM 1MNMd a gpkabIL No" op10N dot On Lxseifibs of Ibis No to basest. drys oat lea dal to pewaed by std aMlwd ke ataaldRs W fsdrst her sell in art spyitedb hs tedrel bor. have. Warn M? fine'miIm, this lew a s a?h ??.Fomrllemilc ??eslbvooi by a ?' I m Ow whatie mel of the dopetbn award Vy4is Wa ad stales mated to the raft p edin 0d asflRSalll of a saLtsfy gumd ashes Ihr ibid. it ant. del lie ltrrrrd ter sr Imo a sr flea trios RRtto emlfcsprad vMawl a porlactioe CORVAUMICA BEN TO Disputed Debts. ALL LENDER CONCERNING DUWUTED OMTfi. N$CLUDINfd AN MdSTWJL"WT TMNOERED AS 'nWACTUM CWTl"i tai CNSTO?ma M THE LOAN TA SHOUL E. 2730 SUIT EltTV AvatnlE. PmpespeU1M. PA 15222. OBTNM CIIWIT iii EPORTS BORROWER ON BORR ?OWERRFFRROM LOWER TO TiMIE AT Ld1101Ci ONKMTIOFt WHILE BORetOYMER HAS A LOAN ONTiTAONWM0 VJ" LOdML 31. BOMMtOWM ACROM MLEX ES RECEIPT OF A COMPLETELY FILL111111IN COtaT OF THIS NOTE AND DISCLOSURE. NY SKP MiG B %.OW. BORNOW91 AOMM TO M LEGALLY BOUND BY ALL THE TERM AND COM001TIONm OF THIS NOTE. Est of ter Borrowers pwraaas *M IAe lipslsf a airletterer it paint. Boar m sea A ZMNaBIIr1AN bah Summers rqmun Oats 32. CO-IMANERS SEE NOTICE TO CO-SIGNER BELOW. Aar "halt holpsoodes fm do o I sll itmais C&M31ar arm opr.m+s in iltdk Memo. co"oes Sgwtme Oak CO-Md is tipmme Oa t INKMCE TO CO-SIGNER %'on are being asked to guarantee this debt. Think cmvNNy before yam de. If the borrower doesn't pay the debt, You will have to. Be ore you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to she full amount of the debt if the Borrower does loll pay. You may also have to pay late ices or collection msm, which increase this amount. The Lender can collect this debt from you without first trying to collect from the Borrower. The Lender can use the tame collection methods against )-on that can he used against the Borrower. such at suing you. etc. If this debt Is ever in default. that fact may become i part of your credit record. :onh.r0esas 0102 gage m ur .sl/ Aortgage 'Closed-End) THIS MORTGAGE is made on I OiZZIZOOZ . TheMortpapN is TRACY ZiMMERMAN. i dare is more than one, the wwd'MongW' Jim& refers to each and all of them. The Wellispe is PNC Book, National Association. he word'Bornwer' means TRACY A ZIMMERMAN. I here is more than ow the wwd'BorrovrW' herein refers to each and all of them. Owns Number 9478402 Q i'N CBAM omrower owes Monpgee the sum of twenty two thousand seven hundred one dollars end taro teats U.S. $ 22,701M 1. Tills tkbt is evidenced by i wroww,s written obapstle tnfand to herein as the 'Note's. dated l0l1212802 This lilnippc securers to MartpapeL col do rapayrwat of Me debt evidenced h 11111 Nola, With iM&W and Walt China as Orovided tharua III the payment of ad other aa1s. with interest tlaaraorr adramexid lerate lot the ?ayaara of taverns. sssasnarrts msbateaaace trsu?axc pvtriuma am can iaa-nerd to protect the seceray al this 4anpp; Id de pymm of all of Mirtilpe s costs of tellectN4 incleft costs of suit and, H p«taittad by law. loneinakla stiewI toes and a:I _ 11 set is 1Rad « other action is taken to collect Un sums w*q « to tested the «nelty of arils Iftnp W NA p? of any n?8 subsfik*k a?sL MOdkOiNk t? NwAvral al any of said ndebtedmiem imo esA charps. asts amt ezpnus; bay the perfaregOp of Nleardlx BenwrW's covenVnts and eprewirns cedar ibis Marpge and tle Nan: and to the epayrnem of de debt wig by my votes ee l w*b was lefiW5ed tba Noe, t oft extant that sndr ddit it owed to Morgpeo and has no base paid. for this don mortM loc an y to MNtt0a0a the described property, together with all imp•ovenems row w heratter ended red all lass a Iswaand apportnsnm thw ns, atad at and kraaanrr as 223 WOOD 8T EAST PENNS88R000H PA 17011 CUMBERLAND Ro ordle8 Dote 0610111998 Dad Book Number 178 Paige nomw 328 Tax Parcel Nember 09.28.IISO-CIZ Lotillioek No. NIA NIA he word -Pnperry' hffdn shat mean at of tle IMF&* sscgaged luny morIppe To here and to hold the PtoWy uno the MorlPMlm its suxessas and assipas, lWSnrW. ProvidtA however, that it 0li1*2 allot li io toe s to cosy to void. de said IebL interest, ad erg other ems and perform ON CoMm V and apree-eMS seared hereby. then this IVlortflge and the in tali by it drt11 tcreirrot end became II p -W On exa? . Warranty of Title. alattpapcr warrars Wad represents to 1tVrtpapa ttet la) a ?t v d eland thof the e tale t Paed has the riitnlac?nmts anicaft and roparty: Nei the Proparttyr # unimadwed except to sacembrances MW rtetrded; andVttgo pay galas mcumbrwces sow rttsrdrd. Cevsmmla hAuttiap« pranises and alms as IoAows {al Mtn w? rase the Nelaly in flood order and raw. IN Alutptpu vtiq tNmmply Mrith d laws tesptctaD the t waushq sodl« ?tsa of the Property: Id If the Preperty s pat of a i W planed soh devcbprrrard. will too* "ith j or repaleliars and rtsirk*m of record; (dl Will ply artif« Rtlotm W ehifltAiora cogdaii0im- par. xadW arty r?n?e lien « scarily bieh ims s aflrasrrd vrY over ddb Martonp? ttlspepar will tpy or caner a ie tsvid ell tat?otu dupes sessred by Orb Mortgpe lop M rNna due WA npra MutfltW's lampst, YA defhr« to do WOW mob dWM Ore paryrrretq of such that flee Nil MfApe Vey on do ants b de fhpNty. The ptpaA? imarwa moo tyrer ss emain INN Meripgor oxordsas a obtoa end hop in biteprapeny inNrmm and H b Mud Isar, Need .- st W demap a the Peop ity avow M loan srrornt suNrt t to yntott Mlottpt?t i MtpcsdN flap russirme toast bo of IN type Win tUc peloMM tgfai W !?r hrMtal taw. i lertpapor Wiles to Prey Mortpget eriduaee of refind imrranes. Ae man acne MWW W n a lass parvolowmit pally mat must pravida yen m_ tear 1 days written ,*tic* in a awivapes ell vedection in eevemp w esnceeatia. Mortppw ?111?INA1ewerrt`t Ma dfik red heave to tip- Marine is rams on wry th"t « bMt from an.irswonce mr lie ad to apply the mercy to Watt debt seared ball tbs Merep.pe TbaV Is dada rod dram IN psymrd of a clip Wader as i-sera-a ar bass W damps to the ropeny W for reamed W tefMtd prpelietw en pa6cies btsuielg tlta Ptp?y Wrtp4« that wt 111111 tb f' to, Nd fatales dtll me tgof ls? ifN. t o pt m of !' ottpme o maker Alorlpala's eaww mad. M rlitnee may "Weiss dne (tower f Morepflee s hcdit and rot for sAenpfl«'c taaaatN. wept as et in? by Mtn: flurchave 00 nronee utdlor hb a_ prtade evidnla of am* iasrnotx le tNtiflgat. < pow, mM h N8« 11 sncrte as to beep Y+ Nrcee, Mere u sited iw tw*W ieoraaco at paenppsr's etpe-a. It Matppr ale a paelmn the bawena trilMi- the tint stead in de atria aaaYW tab is Mer?Weq of Vidawuawn to ,AOripapn, #Aut flcpes am ipardrase itetrarar M proact AfhraMU's fegrat. a Ole w laat4 Wad Epp OteA1Ni MAYU Won?Ay GE emonea ineprs m tie i-aranet. THE I OAAM M MORTGAGEE " awak IY TIff 1i N M& PtI1ZUK OTIMIWAL Mo%§W MY not' MOO"* its+pNlisOR1! IN dra salvias vehicle ux4me ptcvldaa In ?bf my gfat bfllN11pte >AM1tr tdiifdM Toils ataeey wail TfAerpirsA basurartce es s bdWL i Cliff* n aura, ale raored iofalgnI 1111E 11 *f001An110A 1 iCp ? OWN a foe bar prodiq?tha isgr-ell btamsrce. in sditien, a aWm any be r oe IN aemt al d Ore wide !lint itteraaeetisb ledt?ay t? asnNwaMM bar aswiep Wch Belau. if htsr4W Iats In perbm or Wood r « by don Caopeft uiIf I my, at its seb Mk tie 00 arms as is derma aearsarr to -- .area the Property o-W« is r3pa in dm Flow tl$f?N aYeet to R?IMVeNVNe aM amens sbaaed in eetui-a wM AdV vpb ION moviliplait him spar deaerr t 00 Any intoes< tay? a INotflape Ace a snared«M :mss ttivcnad tlraN M M on ran provilsl he is ibt mov nake if WWM o at Wed ilgteeaNS et Ike PAper1Y afar tjuain fl Mwtpcpw fxior aNlGe of any each impactive; MMtlltar will M sell tra-lm owln/ k «oft 111M ie sms and re pp,rsp,p? slid be bi-diet ad brmiit anraae to whom asttdlelnlt ub Is?7et ht the a* Of d Of my part of due Moefix W M The'tehes, eflnes he PmopWq W dak Meagape is tranalWred i( mop then sec iha tacb cell 110 ifrdq nee Iuel1 ieir &dl uM 10 ItlretrllMS teeie is tiffs action and Mertpep e's mania sit ferth below sht11 aot merpe? j?INa1 eM a-r kph action mod sW So* and d?ansprps set pdid in fri. Odadt smrr9pW vA be to detarlt ,ndw this 'W i! the. is a detaerr ruder for date: coo It if esy bra" M made in we tmpreffo flu; fd It my More M« fiq tuNe1? «if ofa knlgry r apueat mr Morepp : I if fill d win adlu r 1111at Ides ea take the l bl?>eP orb (d if or ?ty tee in W levy is filed of made cgai-et my?r se de Pnpan?% lei if a" ? has me* any false stawrtem in ibis IV1«rpmpr* er pd N Ole ha/pty Is . pt cited M ovillo rod by ltdu11l. stela aP?: as. if Mat flute is in rlelaok ruler Ikb Morlpps. as? at its atrial. ah« tllMte rallrtN by low. 0 lay, idare tae ttenpprmrs Meraci ibdwt rod perabie On amire wpW bmbma of tin areas whicle so srxrrcd by this titoipge tad app steer t?a. ff Morippe sa tkt2mras such Welt b dm do and faymkle. ANtflapw say rata po awretea Old* PropAy. abet amt Nd d MWL said taalU w iudabaadraass soared brONt• w as orlon aeries Pon the Marivap as ponaitarl W povw d bar taw in abet due blame M a mertpps araita w aq ether aerwm an ads atmrr?mp. is feed Iraetpyw? s-App ctioa d tsta say ion a preface at adetce its bll«at in ally tartsial qBeelgeptcy f?oett, tldrlpept to p y to moripap a s>F asp ices std rite d base. d piradlal by low, aeaaeaabta sttarteys' !eras a the ewmmesa exa-t .k. b a to aadtrats the balance; Mart flepee may tab such action at arty tint itrinp wfith suds Ceatdet W it any eira taea exists IN" wuM Pff" ircumsta "taetip I team. fdorlp pe's mod" «rdaralis Atattppp slnl M citaMlaliae and 111 apaatl ` Delay in EN«sense ee. III v flat to delay Is trdattiat >er al ds rrppts u der ft Monp p of the Noto Witham losing that riald. Any waiver by Mortflepee of my provision t this pAcnpap W eha Noe WE ON We waive of the Uses W my otho yra+ on on my adw a coven. AstFflantod, INoiaaew aw seL tam ohn W this Mart flge Vndmd sr. 11 1 sovas I ty. H Nay orovidoa of dos Monflafle is hdd to be" avmGd W rmealor such daivolimation shall not ailed the validit or eMwaabNity of the rordminp prvvirio s f this MWeppe. WITNESS fiprrnp i this Monp ile uyi It set forth above, unending to be legally bond. YfitnesT 1•t t,L ? Marrtpga 0 'tOmra1152234AW Ilortpgar EXHIBIT 1B Acknowtedgtnent taken tot SATE OF, PENNSYLVANIA. COUNTY OF 5L)7?b-EA-A On ibis ? _ day of ? .I' -) before me. ' turder?ypoed of?rcer Mho '[ms hobho is not an elfirei of dRector of PNC Bank NatimW ;on;. personalty awwW ``L the u l !77 ' known to me (or satisfactaily proyeol to be the perwN$l whose namefsl is late) f scr?bcd to the VIn instr mlaq and acknowledged that hilshelthey executed the 3MM for the purposes thmain camminM, . I 1 In Witoess ?rftteoi. I 016eder set my hand and official Nat. Signatwe Title Notarial Seal JenNtor Conwa/, t.otnry PubSc NwMcrwlCoftw Bnm. C ,n0.dnrr! Cr uM My Commics!on Expires Sept. it. 2003 tierrittef, t+rt}frtSYtvattia 0.SSt1CW1!G'tO1 R'atart? Affidavit of Subscribing Witness IOo not use it MortPW(8I sdmowkdged the Mortgage Affidaeh must be I" in cotmty where property is bated.) Before tie, a notary puhk twin certifies that hefshe is not an officer or dr<et:ter of PNC Bank Natienid Associnimd. Personally appealed . the wbsee UM witness to the within Mbngape, who being duly sworn Kanim deposes and says that heishe was personalty present at the execution of said Moripape saw that within rnmed Mortgagor(s) to haw, ad sips a: htisAierUheir an and deed, and detnrar said Sion for thrat the Hotta of this deponent aftaed thereto as subicribor'0 waneus n of deponent's own 9>1>e the purposes therein set tatlc a td proper handwritiap, SuS MUM y6toess Sworn to and subscribed before me thus ____ day of Notary Public Certificate of Residence: l that Mortgagee's Pmdse res *mll is Consumer Lm Center. 2720 Unity Avow, Phubtegk PA 15222. . do hereby certify Agm for Morteaeee RECORDED HI file STATE OF PENNSYWANIA. COUNTY OF , an Iles . in the office of the Recorder of Oeetls in and for said Cowl. in Idon day of MTNESS my heed and the seat at said circa the g>Oe Book Volume pope day and year aimesairl. . Recorder oD ?vn ? s? _ 0 2 N t7 ? c) ?C:?3mo ¢ 8 ? Cr C5 F y,s r D fA a >? j r -C C ptW -0 Z to N W to a 09 N 0 m o' -c N C r 3 o O to m CL CM OfQ CL m O M L z C 3 Cr to 1 %?=PNCBANK Tracy A Zimmerman 223 Wood St Camp Hill, PA 17011 Date of this Letter: September 26, 2008 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMM) mU be able to help to save your home. This notice explains how the RLo-uam works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342- 2397. (Persons with impaired hearing can call 717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIZE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Member of The PNC Financial Services Group Consumer. Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 Tracy A Zimmerman 223 Wood St. Camp Hill. PA 17011 040-01-008109478402 PNC PNC Bank. N.A. EXHIBIT C PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WEICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (33) DAYS. IF YOU DO NOT APPLY CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and televhone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face- to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF Y $ Cj,~j% & LY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, I E FOI?ECOiJ iLABE S , tpbPrg?'pennsylvania 15222 ' PNCBANK AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under, the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at: 223 Wood St. Came Hill. PA 17011 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: MonNy Rayments in the amounts of $343.94 for each of the months from May 2008 throua September 2008. Other charges (explain/itemize): Late Charges of $80.00 TOTAL AMOUNT PAST DUE: 1$ .799.70 HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,799.70, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made. either by cash, cashier's check, certified check or money order made payable and sent to: PNC BANK, NA; 2730 Liberty Avenue, 2nd Floor, Mailstop: P5-PCLC-02=N, Pittsburgh, PA 15222 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED 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 you cure the default within the THIRTY (30) DAYS period, you will not be required to pay attorney'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. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 } PNCBANK RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE --If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (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. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank. N.A. Address: 2730 Liberty Avenue 2nd Floor Mailstou: P5-PCLC-02-N. Pittsburgh. PA 15222 Phone Number: 1-800-878-0027 Faz Number: (4121768-3562 Contact Person: Paul Sharkadv E-Mail Address: PauLSharkadyQYNC.com EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY 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. Very truly yours, ns _ Paul Sharkady PNC Bank, National Association cc: First Class, U.S.1V1"a;'sge p1epNC ilanciat Services Group CONSUMER %ft1.()MY. (see attached) 2 a a'KKy 0000 i ?0?O?01 s m ` - s a a?,m v N F- m a? ? ? CP z° 2730 Liberty Avenue Pittsburgh, PA 15222 I 0 2008 Capital One Services, Inc. co N I N ' i 1 \ _ N i 3 ? oc 0 N ll') 0 w Noo 1?f CD r S E Si? OD CL LL Cumberland County Urban League of Metropolitan Harrisburg 2107 N 6 St Harrisburg, PA 17101 (717) 234-5925 Fax (717) 232-4985 YWCA of Carlisle 301 G St Carlisle, PA 17013 (717) 243-3818 Fax (717) 243-3948 Consumer Credit Counseling Service 2000 Linglestown Rd Harrisburg, PA 17102 (717) 541-1757 Financial Counseling Service of Franklin County 31 W 3rd St Waynesboro, PA 17268 (717) 762-3285 VERIFICATION I, Karrie Cholewa, Foreclosure Manager, and duly authorized representative of PNC Bank, National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct upon my information and belief. *Kae Cholewa Foreclosure Manager PNC Bank, National Association BANK FIN:328614-1 000011-097225 C7 ?v q ?, O O ro SHERIFF'S RETURN - REGULAR CASE NO: 2009-00543 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NATIONAL ASSOCIATION VS ZIMMERMAN TRACY A MARK CONKLIN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon 7TMMVnMAT7 'PDA('V A the DEFENDANT , at 0011:25 HOURS, on the 4th day of February-, 2009 at 223 WOOD STREET CAMP HILL, PA 17011 by handing to DENISE BONETTI SISTER OF DEFENDANT a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this of So Answers: 18.00 12.60 .00 10.00 R. homas Kline .00 40.60 02/05/2009 TUCKER ARENSBERG By. day Deputy Sheriff A. D. co C\j ?"• 4-CL? Q ... 1yj .. O N