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HomeMy WebLinkAbout09-3999IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. JOSEPH J. ESPOSITO AND DIANE ESPOSITO, I hereby certify that the property to be foreclosed upon is: 41 Teaberry Drive Carlisle, Pennsylvan' 7013 Tow hip of Mid e TP rcel No 1- -041-1-2 Brett A. Solomon Attorney for Plaintiff Defendants. 15 CIVIL DIVISION No. b4 - Mq Glv i l Term 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 bsolomon(i,tuckerlaw 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 BANK_FIN:352815-1 000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. vs. JOSEPH J. ESPOSITO AND DIANE ESPOSITO, Defendants. IMPORTANT NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 BANK_FIN:352815-1 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 provisiones 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 AVERIGUA.R 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:352815-1 000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. b 9- 3? 9? &,J '7;,- vs. JOSEPH J. ESPOSITO AND DIANE ESPOSITO, Defendants 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. Defendants, Joseph J. Esposito and Diane Esposito ("Defendants"), are adult individuals whose last known address is 41 Teaberry Drive, Carlisle, Pennsylvania 17013. 3. On or about May 20, 2003, Joseph J. Esposito and Diane Esposito ('Borrowers"), executed a Home Equity Line of Credit Note ("Note") whereby Borrowers promised to pay to Bank the principal amount of $31,000.00 plus interest as provided therein. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein. 4. The obligations evidenced by the Note are secured by a Mortgage dated May 20, 2003 (the "Mortgage") given by the Borrowers to Bank, encumbering certain real property located at 41 Teaberry Drive, Carlisle, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded on June 5, 2003 in the Office of the Recorder of Deeds of BANK_FIN:352815-1 000011-097225 Cumberland County, Pennsylvania in Mortgage Book Volume 1815, Page 1125. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 5. The Borrowers are in default of the provisions of the Note for failure to make payment when due and therefore the Mortgagors are in default of the Mortgage. The Note is due from February 1, 2008 and as of May 15, 2009 was past due in the amount of $4,459.12. 6. The Mortgagors are the record and real owners of the Premises. 7. There has been no assignment, release or transfer of the Note or Mortgage. 8. On or about January 29, 2009, Notices were sent to Defendants in accordance with 35 P. S. §1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91 of 1983) and 41 P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the date of the Notices. Said Notices further advised Defendants of Defendants' rights and obligations in accordance with the Act. Copies of the Notices are attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amount due Bank under the Note and Mortgage as of May 15, 2009 was as follows: Principal Interest through May 15, 2009 (continuing thereafter at $3.4219 per diem) Late Charge Attorneys' Fees Costs $31,225.05 2,269.87 300.00 1,015.00 to be added TOTAL $34,809.92 10. The total amount due to Bank under the Note and Mortgage as of May 15, 2009 was Thirty-Four Thousand Eight Hundred Nine and 92/100 Dollars ($34,809.92), plus costs and attorneys' fees. BANK_FIN:3 52815-1 000011-097225 WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Thirty-Four Thousand Eight Hundred Nine and 92/100 Dollars ($34,809.92), plus continuing interest at the contract rate from May 15, 2009, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. C R ARENSBERG By: rett A. So omon, Esquire Pa. I.D. #83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorney for PNC Bank, National Association, Plaintiff BANK_FIN:352815-1 000011-097225 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. Vs. JOSEPH J. ESPOSITO AND DIANE ESPOSITO, Defendants. AFFIDAVIT OF NON-NULITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY SS: I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendants, Joseph J. Esposito and Diane Esposito, are not members of the military service of the United States of America to the best of m owledge, information, and belief. n Brett A. Solomon Attorney for PNC Bank, National Association Sworn to and subscribed before me this day f 2009 No u lic COMMONWEALTH OF PENNSYLVAMA NdWW Seal Kelly J. RAzak, Notary Pubic City Of Pftfs xwo. ANe&M Cowdy 1Ay C.exrxrtission Bom Miy 23, 2008 Member, Aennsvivania Association of Notarles My Commission Expires: BANK_FIN:3 52815-1 000011-097225 (Page 2 of 5) (I Page 1 of 4 OLNACS # 9731756 Home Equity Line of Credit-Variable Rate ?PiVCBAN( Borrower: Lander: Date: JOSEPH J ESPOSITO PNC Bank, National Association 060012x03 DIANE ESPOSITI Agresrnent and Disclosure Stnternent ? REGULAR ACCOUNT ® CLUB ACCOUNT Club Account Benefit: .250 percentage points Club Group: PREMIU14 ? EMPLOYEE ACCOUNT Employee Account Benefit: % Lender: PNC Bank, National Association Date: 05/20/2003 Payment Due Date: 01 Account Number: Maximum Credit Limit: $31.000.00 Name of Borrower(s): JOSEPH J ESPOSITO DIANE ESPOSITI Address: 41 TEABERRY DR CARLISLE PA 17013-9042 PAYMENT OPTIONS ® Principal and Interest ? Interest Only during the Draw Period ? Payment automatically charged to Checking Account Overdraft Protection ? YES ® NO You may not have both overdraft protection and charge to checking. Checking Account Number: In Name(s) of: Initial Daily Periodic Rate: 0.013696 % per day initial ANNUAL PERCENTAGE RATE: 5.000 % per year Base Margin: 1.000 percentage points A. ? Not applicable ® To open this account. you must pay the following CHARGES on or before the data this account becomes effective: 1. OTHER RNANCE CHARGES Amount You may not use any loans from this account to pay the above amounts. 2. CLOSING COSTS Amount RECORDING FEES - MORTGAGE ffi 38.50 RECORDING FEES - SATISFACTION S 27.00 S S 8 B. ANNUAL FEE ® Not applicable ? Annual Fee: $ The Annual Fee will be charged to your account during the first billing cycle and on the first day of each billing cycle irnrnedistaly following each anniversary of the account, during the Draw Period. ? The Annual Fee will not be duped during am yew that, on the anniversary of the Account. you we a WM* for the Chub Account Benefit or the Employee Account Benefit Identified in this Aprearnent. ? The Annual Fos will rot be charged during the first years of the Draw Period. C. STOP PAYMENT FEE ? Not applicable CO Stop Payment Fee: $16.00 Agreermnt index. Far pot kaMnax s kda M disk Apanaa k pmriid w pre 4. 1. Definitimn. In disk 4aWAN to W .W. mo r. 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IloOatr, der ae10at talii w M /1100 0i M st 1000 tIr0151.M. e0 M dap 110 imast sea 6p* a ors fammuen3.111111 dowt Ire N cob o ft" a lib OneYq Aeaaas O a dell WE sell 6D 1101100e w es 0ea0N N wed Aa IAelieumCtaOt or *a* viAm e0 was of ft Ap wmd. Qrddal Asawa dads, whdeb w rausw k aO b ayet N er alir awdlalt 01eaw. (Page 3 of 5) Pp,20f4 Home Equity Line of Credit-Variable Rate Borrower ESP05IT0 Lander: Date: PNC Bank. National Association 05/20/2003 DIANE ESPOSITI Agreement end Disclosure Statement-continued S. with wa u ? the We dParmaMw.xuded Man indndb, tatas.irMSS 118 dots aMdbfp?s silsr aft newsy a set tart6 i di A?saM w u 1MI NBLW 1110 waive w nw ky is a °mmwft ta10mk is tie whu dos k wwdd are the 10 Yw dnatibe saseea ' Idan t a i pM yew ooa.eey wthlpeeeet sddn s.llit iadldy wary sw mr? ?b « A wd- seas b d*Ww in do foes so w by « VON MF ?r?.? sane bd q yaw spas. N fees is. 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Mia?ip Pws se w ab MMdr Iss wfa the SwR of New is ftwd Nedasw bak wida M ::M?""Ipp w d a wp mppr.sss wp fw w da iweye. tea 111 Te 5 ai p?waoml bisrcrdd weep me" be fimr to ?I sR tee sir s tdw bbnstis « 4 1 d My tine «bt sorer wim b awe Mfasawt. W Te s d wrier a" wtpgm sr sedy araosaw ins pP? d owe it brtlpee ai a pay d term dlgs a aussr10s A411000 i1 7710 IN 10M tin Mrppeed ft d= sd IM they am wreeedweed saps brawtmbOaMwerdeiewd. .laTeef?Rdwyy wi Nft w bmsdeuy In wftq it fwu dwep ywr Oddseee1 or 01 Test 101 w N tin 1tM al by hoer. ?aPid d we w s plowed wk ~? Praises rests at pwMnd b fa Arawts 6tt now twine a fr hbrpgal -resew leapt s P10fdd by fwwd W To ftappd Pnldws b peed 10dw m d new. rww: b.'sfn °w s to bapeeet eh Mwtpgsd ft= erne they is time, after ALLLFi7EAME sAAFAM7FMUMMi7lbltsL+WRIMA&YES fMT. (Page 4 of 5) Page 3 of 4 Home Equity Line of Credit-Variable Rate . Q PNCBANC Borrower: Lender: Date: JOSEPH 3 ESPOSITO PNC Sank, National Association 05/20/2003 DIANE ESPOSITI Agreement and Disclosure Statement-continued 14. Our Agreenvent to "o Loan. We No a pay dmdoo, a lap a dry 6 ow mm do ~ I dmom is mad 09 Maws CsAt MM m dll•l, drwm and laud a this mccom by yes Gip 61 ibw Paled ad m obd by of Ad" do Draw PoW or wkhk On Mioaa Ate star do ad of ft Oraa Pwbd mcW a pmadd N ft ioOrwili moms.. Wa mill ash pit or damn dmA *m or hoard by yo w raaaraby w slaw dmil revert Is Tuaiald or paW riloa Mlrr oetaow of = of praI i- or terpwii a fawiid Io ii?paaaw. Yom stew thw say dodo Mili[faA as thh same will be aiy flow dada Naad by a for dot W 15. Our Liability. Ws bays a layaoiity 1w fain w ar artl8r faacbaat w otbw parry to bases dab w ay atLr apes wWob os Mary paaak tram Hsu a fire to bm ad a ow a lam km ft mesas 16. Possible Actions Which May Be Taken By Lander. Oaiw fir dpraym.&l ow bolero. tosser Cm (1) aroiswr to moammit; 0 ngiw yes to do oft kloom a go an" " M 116101 00 Mb NIIINrd =W*w of?aait; (4"a ds adt fisiC aa6or (M opens doapaa dt as as fafN billo Aprnara. Upon t k a mess will Tgaiowo waefwrl? M o v wia j a Nell he IN defoul! WA o is of Twsimni n a ya iF. (f yes Commit had or wla a wwid eionPaasadaa in tmosacif with f tal a gat Mir d ds If ' tww of dim Af)rwaw hr o WW of 30 &fL DR Aar a yaw credos r yaw Ml mo seact adrOady dbM of memily In ft swan, or or at off dl* .b on moully; to aagdt d at W sup of fn , & .. N in tfink ammo to its rlalaaaf Flosim or to a* owwr of the IN IAUO pa8lad of Bor. O sip on" is Tamata amain M eWy. iod a or apAan, aRw oM Oda wriis/ =s/ mile a ?OI?e ? M praprWdpre rpft oft by We 6N4 W" in my m b*m aft a tills BOOK M UMM fw N tf n0ol to py tb utdw ft I I wgim Wall'le m6a6m d A=W ups 0"" W" to ou reMw*imp/?yp Ins n t ib au ado d ar AatAoiawai M?Iwf Y p Mibi="%#A asps 111= 6dw da Ooh parali t1e mess bohaa mast w lft ft ?m*a&dn t earl aM aaedsua plriittid w ? q N yww?lara?we iNtM trm? measles oMNw taBb neat a wMa blasl lamn*iathmta/wiipaadlyaMtYai/araMpaadlasad dm4 Mim sack films s laid I mw m Maoist all sit Bawd odor di saws lei 8tr11tesr<w? of Cmik Primiaras or Radiwden of p?Aaxi Cwdlt. N of sift arils im l is Yi sails sorAm in sup. b? snip • of w spates, aalw aurpal yes dMlr a dab leas fie Ail awes rodoa M MadmmaCmakadilNWp?aa?AditaaamrmNaw?6mloOorPprM isWlidC 16W. bada= OwamisaalllMiiaRm IeMw >f r sypmdoabr? w far to enaM" ale asamr. MN asrtppa_Mia almaY aattmdaAaaf w Y we • Is 17. Paol4galon of Additional Extensions of CnMit at Yaw Request. Aa? d yom asy dw m to pMalfrilm adaaNa of crank IN Ai sawsi. A Solis 11?y wafyywarAtyw6aaiadaMalMpwdirsildaoiYowafNaaaeeat oki? armaidwad • sNpg a pnoblbit law" eatoma, d aodt a Alp swats its al of ysa 7M #ilMlta tIi Iaww aMedaa mama aof m om ily st a sap sow Nam fopw lift aai. Al d In who m aMpad a Ai acOaw fag agog is wrido f niriaaa•i otiM• messes y« b room a to It A 18, tlnilagsa of InOabt•dnap t Your Mgwst. if yo d" to a a ffdb fr?r lii fors th asommot doll be ataisg or a" w M by appl -Ywitbaaarhea *e---PaaisNNaafi.ywa?ostokbwa wtoiwasis of 4004Y he Wide maapw a Ile "a of lmkwwm of NMaiwo a ih ommL Yes stew a sai fie ads too r CwtraSrd gaoomr Aaimock 2730 liberty Unw lNaNarl, M inn 18. Cosa of Coleodon. N prsiaod M mlaft law. V too No nil or ado mon a abd os aoaw w psag vn misur r ow nvAy kmm N IL w del clop y"' s to ad apso s is 6 a•, 6s1aa On PnaNa Is amd in N k able obi WX wssawh anarryo 1. W oapwtw to ti s we- n sco Iw+,- byfifr"oar. 20. Cheipes to Your Account. We may ads fro k1- ip dmpa to No McCook Ns may cl pptleNis Mid wlia O fbp kin appfaiN iedk saaat h w ?llmik film r?mw1111 MIN sl d da¦?? Ndw aM as wi clew s ? wpm m tiles Aotiawhalr adoaswayiroay swbw a ArariPOwa•Ep_Ilda aawaraNy N am or wmk a dow dot Mai a?ayie•ciy berit ya dais go rwnoip . Neapidsopiatewbdioiraipill wdwrpplicabirlodadlow ya Ma dIAM p Tama m wN1 fawannt w my tees at to ya mn a 11 fM Obi tY$* a" yam abalmod Vow 128 Acawt taaiaaat its ow ummrla yaa* p Y s sow Cr OW of which yes am m apMd mMm ad mans ft seat 0d aim rMm , Was and adNimm pmft IN CbiAtorr MdameMa.lpijmjmi bi . p Mary a in miiO flrl yesE6 wt aNh a M $m and is siAiat aimoYO a Mimi air IMS neat Y semrdww vm qm amOmmd@=M m pawiip ft now a ft Amm of year soda. N at o how dea ya egad of th amasses is wawdem• no di Aproaawt. Are adf ?1fswmgiilriaflmrdiwrArMINiWaimpcti« Yia slnaosl a aatAlBdpa a s emir aYIO fpr A M tli aplas6an ¦simaYaopa Ammt>rYarieaaArWmmsYriaaoerOWiM Ar Oiy Ras ai Assoi PrawaSa IMaa oppleabM a Rapdw Y: ff ""m by apl t WA w Will ami ymu a wdtae own Pin is to !w dm d ar ebm* fe mammama Wilk Alm sow, of or tlBpam mob is tbN w.;lifapa wi VAN awmeimp Idea and now law OMW a edaWm wbidl 21 -No My 8talwnwats. 1w will sad yes a m mnft atatwwx fw Bch king cydeb"wift m of sAdghwtWarwwwas Plana, as tam tar r to aawlppa naltao am _ yes wy praride w orM a wdllem w?Blt a IIwM to wb11" ogwat tki le axtps6d M a a?stoi of As Masud h oolow am" by 1109 ayes wpmes. For lb papa of ft wedmt a awdoi ai/ b dplNts mfipraiab Mra?Bisolalr d ytONd volfft ?apdwM?R b a lmljNM p, it dd o corm d Immim, WA Ps o? rod aaa it *a peI III, ass vim ft Mortgaged a osaslttA aBafB Y nw? momw a 1IN snasYy =. ya Mill he aiY a fnE fM ablaotOa OWN tti Asa aI Is ft raBoAosd ale 016M 11111011! sass IBad alrr sows aoNt n aM1 steak be eYpMd a pataak aeasmis of Wait as tai asOBt sad to roan ft my ails 1*7 pooWt aiAAsolulsAmaaof aa/1 r rMeeCsdk action. pes MNoMthe paal is dow Om tolomilm wP.Mm?dpa?lMy Yet a aMtk fir PtMp R?as'l?m pdfid N?rthe prp e .db%. flip aMw tlat tMWN of MIN ara YllrieOSatie Natboa 120% of yaw H lbiddsaTeembilohiftel rrtarpa stem ;a }?tliikia?M oifonfudibi -1 Mooi aioflasit r wdmpm?tni y?B ?aaulipaiiidiaaa?wMe;iap loot tlo eol?dda' aBidfOsfo rim a do pdiMia w Mips odes. i Rdlbhlon of AdirtaoW 6wwalena of Crest and Radtamllan of ttla OAamYrrrem Draft 1Ntrihomad CloctonalmomoseMo if MY w fir pats Y Ndow BOOM i1 asw. 11111 TAI yes Modes of or a _ aaw?ri?rs i . Mak oak ad p was ywa iril.>•s Will On Titltyra Mlsr lra pildnl M tlr `Mwr INas' mctlw of JAr rV S» w eaa?imwl a wo aMa wild M w rapdawy gamy tlrt s most ad by Kra rya arts sow ash a aaaMaww l we dsa tbN an* ouldmiAnd aeassa al any ?ebmdu?imimM Ajwaw?. You p ? posldaad eaaiod drama sdtwe a oaparaasaoM paeda. 04 Ma are ypaaYdoi by geaowsaw oeooe cram kvo+at the Anwd Perermap Rob poriid is thb Apwment. C. Con- Debts. ALL IV' v" -m a cm?'= Dun w& INbn app7eaMa be aapia. adaadop. • soda oaa a any of yes Ad he of'" addingeollmr0soccamot. M w a wmaadrrypaawr yes sawn: « gadk YYipY yaw ?isffC in ft bifp?iiiNss in for aCwaO?it h ka? nM w? tMre M aditralifadroaaf oaa Art1 i1.OD N yon atxa•w. TM arlmmw of *M aiomae weir, fir caret dmo, Fklama Cargo. paysews poi ad Ar Wrtpp tdidl para. AI palsmadt am he ash y o dude wall ?. w sow igtOarR Y rt diOp /a1 Baal M mmriad br a a ds IarNtatap orl8oa faelBd aywr oooaiy adalaprwt Aayatttdiar? r' of an oar aef a yes apwtYaaiNMj afkkwwKNaNwywatgyaYwrMmmofwaGfM sesame ortOi far Mps tswfa des it N it do arawam aMl M wadlmd uwMaiN a i ??r silts POavesi Iw Ma mats by or. N Ave is sow Ara wswat- wk apses At r fM awraw N mw a od rmopw M of of yew N z lm oamalif•Iooraa aim am aaarepld bf all of yes. N tbas Y aen tow w 5woamt w awl oar Aeataasrw a on for rem•rsr Mmrdlad a pap aaa. 22. Clacks on Yon Account. Mme abal Maple al drda drawl a year acarat ad pM:,'? ' 23. Postdated end Stamp Dated Chocks. PMaCad Oa ad Mme appteekioldaima? 24. >!Wp PaywawtL Psaioa and NMia appisabN a pate plyomm of dada in aOrpli,Mikk taOpoedaww ropin driip aalarp dal oprly p Clabt win da Apamrw. aa6a M >?t a a W N its Eap tararw Fes •g tagk w ppaapp w fa 4p7pYr. Yw wy pYa s wP iopsaw wdar a or Mwk dRm or by eaRip w i amlpp?s w r tip tiwNp aYra Gwraltol Caaww Aoahanem, 2790 ll7Mih Awiw4lMbkrpb, M 15222. BE 5wY li WrT?R AfplTAfaCE. P.O. Wf1 13fi. MiTwRw, M 152ith86. 28. goNoaa. We Mi/ sasl madCaa to yes to yes lot NIOwO ad8ea b w fla. Nakwawlogo dBwaWtMrdYgha{ripaapsadardi ApsommL MoorR aasd Ala by ??ppI?r rot wow appleila low rgi•e a to as =rWW wio' -wal aeadrad,sala all of yea ad ¦ Oda raemkd by any ow of yes doll be eonddaed roaiw/by io.f yes. 27. Tax Deductibility. Yw dodd eamsolt a to aMbwrapwdmp the dp8mt8ify 28. P•abdic Pardk Ratoi•w. At ow oytiam. we may o6ain ogled erodt berms retests Mid iaaar wdlcadoma a yes o is nooowbly wcasry to proud our htarais. (Page 5 of 5) Page 4 of 4 Home Equity Line of Credit-Variable Rate Borrower: Lander: Date: JOSEPH J ESPOSITO PNC Bank. National Association 05/20/2003 DIANE ESPOSITI Agreement and Disclosure Statement cont6wed 29. R wnedles Garrdstiwe. If my dMost eN Wo slick weld p mk as to tenpororly P"k frr>wr oxwaiar of uodb a dis scowl a Mrn i unit Snt" e temirton tl sNSd ad sceft M i bslom bl we say tale ssdt at duo d ay tbrt sipl ba erasdalis nt alA o*L d of M rsaoios aoM dio Arissrd ad 30. Debsy In Nnforsonent. We Ntt Mw i sttI A ay d oat =ion w 1W d k Ar"awtt 111 " btairtp *m Asy write N w of sap priMm efdii AWw4o wN arMowdnrdissaeailesystiWpreriissaamotlommisn .:•c 31. Anipsnort. To MR rst amps or aiYrsio traodw yaw 4" oroi. p`k? Ntdw Ob Aroonat a tlsp - lasr oklp dm a nM anent ?e INK N. As' now to strips or dsipsla wN Y rid sad d w soak We Noy naip aoI p 1 d of sr ripbtt osir 11hArwtaw at my dots mint pr commit. A pontlf b ohm us ateip di, Aprrisrr okfp Is =NW is all d or ON air fi Apnrsar. Non of ripMt sd of do daft of par rol6to r do pie to wM* po „bnittrl an,ppfe,- L you aln tlNt #8 1 1 MI - of ft Aga mov aiabtp Is i0xist, dos d fm LW be MP0011w O 110111. M W6 bkd bar d a Welt *!n by ped .1b, d ptsekietN 11d b. pmw by M 11 1r r ISM Of PwwayMa11c prsaairal soon Mh ft to fA ntfwsa9est 1 #4 dmptdon MINI k p die Aptsorsod sod aotw #d*4 in as fP+dwL phdks d ooiretarar of i ,ouoily btietad oewbp IAio dtd be posed by do loon of tia sto wire it,- wad" e N taMo lion, EACH OF YOU ACKNOWLEDGES REM I OF A COMPIE ED CSPY OF THIS AGff8EMT AND BY MM THIS AGRE M MMCATES YOUR MM M To SE IFSAUT OM BY THIS AGREIRSEIIT, OCI INIMS THE PApABRAM ON ALL PAGES OF THIS AGSEMENY. 1w 9ollpofits, obi M sfkebd by IV 32. sevsraNky. N or i- of fie Apnan,t it W to b iwald or soadwasbio, nch difte iaodw dal not dhot On "lift w adwcaabNly d the raotbiep R+ " of Uk App s JOSEPH J ESPOSITO Daft 33. Weever. Soasetr a Dworis) wdo d Mo dttwaa d at wapdtip rt a inwal d tdbtsrril WNW* ty. 34. Your Rsspsr"I No' . N son dm ses d In hn sip W We Apr owl, d ean" t t MpjMn DIANE ITi'J Dan of par n o4rip w*eyiM, YdkMisIy d lt?ltbw, b e U, pyaea i &M.6 tlk sc[ord d porlossor I d d dlpMiru tsrdr Ns Ap must. 35. Customer Intornodon. To arse or tastosrn sildottfl ad d1W s 11i raps d Nsoo ' ssnisot ve dwe eoawr tros,aelio d ssps ras tirao bdsraoderr p w PI?C it* d aonpsaitc PIIC =wp do an *M derponce ihrowdso, x911 a +pplesdrt4 is9Y UNWA19L d unit tirplc Te ary tstprd dw w dt at sere fit aslr pard idrar00 bXD* sbaa aacb kdrartks b nd by en PNC b WWN Notar o11 1 fW rtolrrl b/ wfif 4 n d PNC Bsd6 PA. on 111014 PDWti ft ism Be a,s is btilab pw no, sdiaq acts,t M06rk) a MM nooky s olin 36. Craft Row". YM UTE Mil TO UTAM CBiT M . DN ? T TN NNEAC NAf TMN NMIE TN M1ME A 11Ni SF Eeek Dwoe sWiop floe Apnrnant who is no a 9prrowo. d ha out M" tM V f is AUM brw N ON scrotal, it Waft v* to be bj* lod by fa taw of die Aptentst all" to i Ilrtpap, to to Yrt nrtint; ad to itnemn on i Ab%qw PnAit" TM Dames U; k b i Ownr'a brnraW in dN 11,9111 Prasb" Dwnr's S*MM Daft S/1lTpMMM 1win ES. 37. Govsrda0 Law ad Construction. MR Aproostrtt bN brat serplod by Ors: Spndoro Om ae it Pbr,alha,k d d loot oltd in aatrrdd by N b Ye k Porallr- Rapsrttops AgreernentNidw. Thin kd,s i it cra,okea ad It t dao9o All a iii" die wwrispasaps d sal Pra1r+P119 saetios •BR• "ten to dr Ikdrdi1oPdpapaN TMreoobatmfrbftopwerspMdfieApe nd. pR NotiwMeow-'H' Aw IrM itt d i sdaonip btiwN Ar e W an Armed in Poulfter Rea AMMUl H,7Id.7W,MM Aritnust At W"e ho 10 AVKW D* SsisN 7 an Imeron H M 11111 BR Ber"rrar'a roopotaiNdat 13,34 Sawwa', ifpk b,otpN unit 17,11 in do snore 20 KIM Chit Account X1 Would 6 Cdectimupon Cwt cow .19 Cait inreu 12 Coil rapm 3B r -, JOIN Oda 35 D* 1141100 1 -. Pnk k Not Welk N,71yi,1 D O, dbu 1 odwb lo 30 Okp9d dills a +„ ' 0111,25 DnrrPaid 1.3 Erylops Aacaoa 1111 tiaa, CMtps H,7 Fbtd itsaatn 11 Good iani N ot aruwt 2 37 brio 7x17 LAN dWps_ bu is LOW 1 tamws is6ih 15 710 d ?? Nkt6a9t Chit iii H,1 110drium Mommift pop __9 Rb" 1,5 Ilden 2526 Ddwr M_.. J .N S H,' (Mw Paid in ld chub 25 Psps,d DWDM H 1 Pay opdm N.S{9 roils On,tie obod for r BR R,iefe of motions cow tie" 1 /W 1 Sidi AMM 29 R s 1 Bobo dreb g bcwkybareu e Y 32 24 8 talrs,lw prirloln_ -1SIeLIM17,18 T Truintin d a tsun 1,1 SW Yvokl111raw 7M 14 3 M tmv MM 4 21 Your OM M Rights _=;.Ksap This Notice for Future Use. Teas,stke totakr bprtat iI " d W ter don rd w respommUtis udN the Fair Ceit ON'sp Acf. NW*i/skCwel&amwlA v&wAAWYawns If you WA pr bN is wrong, or l yN nod are kria+edos ,boat a tntssetku on yor bi. wits us on a topasa Wrd a Csapla/ Ca,trar Anktaim P.D. Box 1311, f4tts6rpl? PA 152*13911. Mti, to a ¦ twt a poiil. We eat hoi.Irsw pa n b w dm so dep aftw w "d yN dm fret bill an wiiak the am r problon gporod You can fokpI us bd 4 tp"sill oat poor" pr dplas M your Itne, pia rs the feloxim i I, -,MW -rw sow d secant natdrr. -TM iota,sores efthesop psi srr9. -Ds9iNlo i arte d spiiR N 1N qr, why ye hsinn 1Ma i a1 arr. N pus nd trove stbratodos, /ttmis tb, iota pr n ad soo about. rarmAwmiar Ntwillb bane 'a no INWM 90dop ve ma Wx do w ws?xob vibru bdWe llwbil?too?xsaee Ater w metin yaw blear, are asatel try to pint my more vem, I w ropt lw r bfngorR We eve cssirae to bN you far tie satyrs you 1oithn kdttdbq fame dtsrprt d w rustspp1?r aM sepski serrea apohat yw rdt lit. YN ds ad Mo b p! cry *nsdaM,mant wli, ws n ittretipod,p, bd yen dN oblpad b py twportsdywMito"edkupo m N sefbd frt wo tech • adsieM N yw IE yN wi ad bras ft PN asy pores dwlu rohrsd b anti ?oodaN? enrost. It ere tilt aoM a psy pearro ebrpoa, ad pu wN Mn to min up ary aienl paystods on tM pr=ied as,re9 In either ab, we wt8 td ynt s suoto t of do now )?o d MW 11101110 6r tint d". If yet fal to py do asiws dot we drift IN Owe, se fry reprt yN r duped. INwww, if w 00101160 does nt ,eddy you ri yN sift 18 r wMin NO 6" t*m us the we still role to pp we asst td trs report you to the we bone a q nnoi sbw pr kA. Ad we mot tel y" tM nee of ageae we ropatd yN to. Ws nmt tot onyarr wo nprt yN b 1Mt the awtta h" MN "Iad Mlwrn N sbu it idy is N we delft Nlbw fro role= we eN t caleU ire (first 150.00 d tM pontiersd amore even H your bin wet ee., t. (Page 8 of 9) OINACS X 9731766 Open-End Mortgage (This Open-End Mortgage Secures Obligatory Future Advances) THIS MORTGAGE is made on 0512012003 : To Mortgagor is DIANE fi JOSEPH ESPOSITO. If there is nave than am, to word "Mortgap" herein Mars to each and all of then. The Mortgagee is PNC look. Nation! Association. The word "Borrower nets JOSEPH J ESPOSITO, MANE ESPOSITI . If then is more rhea ons, the wad "Bommm" herein More to gall will al of than. Q PKBANC Moron" beg VOW to Borrows a home equity srorWh rate Me of Credit, providing for a Maxkmun Cm& limit (tot 1% a maximmn amount of indebtedness) of TMrtp ores Thomeo Cl Were And Ln Use@ (U.S. $ 31,000.00 )1 under to tame d Bonnets written dire m an freferrrdl to bp* as to •Agreem r), dated . . Mor-1 ti is coupled order tans at *6 Is de Apownam, to maw fulcra odwrhea dwip to Drew Period of the Accoort, whisk ads an the last by of the memoir mks c ids it which the day to pare from the and/ It to Account occurs. 11, 1, is of obliptad to rake adewhem gosh would Came to prk*d bdona arts I I a cattail to Most - i Credit limit, and is trot ddipted to make advamas after der Acomw is teraiaad or d ring wry period when further extensions of oak are I hinihd or smp oilsd a4 presided in the Apownast. By the A/aamnCt, Borrower has alpeed to repay the advances it rermhly instalknots. witb it ena The terns of the Agrowhsnt dew for singe io the ihi is m rate and the morift polio . This Mertgap P. w to M wtpppa W ids repeynm of to debt Ctviderhed by the Agreemtet, with imranst aM ethor cfargos a proridad terelrc (bl *A paymem of erg odhn sums, with klAM " 11s4 adrmwd hororen I far the pap eat Of tamers, aeaseea% taeletemwaCS! cheeps, kearaace peeiwm and am htrarred to prow der sowky Of this Mil Iltgege; fcl the papanm of erg of hlortpgee's cases of nrolfaeft ihcodag tarts of =it and 0 peen- by haw, nawsl, stowners' Was and apses, 0 suit is filed or other action is taken to Calfatt the sum moving or to /roast do eem* of lair Mmrtgap;10 payment of any nfisrocirrg, sdmft cwt , -el , moll ieatina, wadfs rmrewd of any of said indebtedness, ir- t, ehups. costs and aspoures'1011101 1 errthesmoe Of M mtppw's now Bonowds amems ad apawmeats order this 11- l p and de AVow emh and (fl the repayment Of the debt ovidwhred by any agwamout wW was nowed by to Agreermmt, to the atom that such 6k is owed to MKtp a sed hoe not been pdd For this purpose, Mwtppr does lanky mI tosgr, gram Cad convoy is Mortgage the faNowi, dnaCltd property. together with d imien ems now or faresfto wwW and all aaamets, rights and appmrteasroe thanou, IocMd at and known as: 41 TEABERRY CARLISLE PA 17013 cumuRLAN0 Botera nab 871101188/ gleM Naek Mkmohher 181 Page Number 80 Tex Parcel Number 21-050433 215 Let sad Blodr Nomabar NIA NIA Thewad "Property' harem shelf mom erg of to fersgoing mortgaged property. To haw and to hold the Property wmo the Mortppo, rte wccauas and a::ips, farerar. recital, hammer, flat 0 Ute Mortq:r amdler Rwrmwr shd pay o MKWW the said debt, ism i L ¦d al othersum and perform allC:aanaCStr ad prareerats seCrhred hneby, and if Bonewer hoe ou beft right to obtain adeasras of aedt ardor the Apoo nor, that ¦ i frame dmmWkrtb. a WA this praaw Mstgege and the ostale hwrdhy granted and car epd by it lei rag, detarmire and became will red of an dkt, anydirl ordobefere Ceatakted to the contrary thereof, is anywise mtsridet aft Warremty of Tide. MorWp wwonts and upraaats to Mortgagor tot: le) MKt per is the a* owes of de Property, and has the right to mortgage and convey the Property; 04 to Preporty is man red mbaexcept for satumbranae raw recorded; and (c) Mortgagor wN defend the We to the Property against d dakns and dwrennds except encoinbroutes now recorded. Befaolt. Mortpger will be in default under this Me 411111 upon a default wider the terms of the Ag ooment Mor%gWs Ba omil es. Unless imobibitod by lam, 0 Mnrtgpor s in default under this Mw%W Mertgegn may at its option, after notice W aired by low, dedars due and papble the unke weld balance of de sum which we seemed by this Mfirtpp and Gering udw the Aposomet. If Mw m a a dedwes such soda bdaaaca dm and pay". Mortgage hey taw possession of the Property, eoloct nay and r routs, apply said rem to the indebtedaas seared by this Minima, foreclose the Mortgage. of taw other action open the Msrtgaga a pwmkW or pavided by few to collect do babeoa awing. Rom in Cawwledve. Now dreman gt mot mists u dC would pmrell Mortgepse to tamale to behaace. Mwtgpee may take such action at any than durkng wfadn such eireaasatsxe tamtian to Gist. Mortgagor's seaaad 1 under this Mortgage shelf be wrredodw and net oltammiw Bo ill wed Ballot. The promim apoetawha and rights In his Mw%W shelf in binding epon and benefit anyone to whom the Pmp M or this Mortgage is uwsferred. If more than on Mwtpgw signs this Mlortgpso such and OR of them we bond indiiviiiah and toptbw. Daley In Eefertemmet. Mortgp a tea delay in alder 111 any of its rights under this Mortpge or the Agraoeaat without 19*1 that right. Any waver by Mortgapm of any provision of this Mortpp or the Agreement wig not be a waiver of the sane or any other provision on any other occasion. AaigemeaL Mortgages may sell transfer or asip this Moripp wmhout MAortgoWs consent. Saws 0ky. If any povielon of this Mw%w is held to be invalid of uenfenoable, such drtermketin sing not affect to validity or atntoraabilfty of the reneining Wovisions of this Mortpp. WITNESS the signing of this Mortgap on the data set forth shove, Intending to be legally bead. Witness mortgow ??or PA (Page 9 of 9) Acknowledgment taken in the STATE OF PE:NNSYLVANIA,??C?OOtjNTY OF &??Cr Gi' ? On ft day of before me, unliorsow do Who is officerp d'ireclor of PNC Bedr, Nedooll 0,01 pmady appeared known to me (or sMWKtm* proven} to be the person(s) whose n its ( to the wdhm rstrmRrt and acknoadedped that aeemed the Game for the perposes theain eomairred. b N6trrs hsnof,l4orererder act my hand ad official seal. Signat ride 1 SbertyM .:? HaM IM-NOY Public I? Tn? rtr` -0 TML. Como 1MyC&W'sd0hp1M' AM25.9051 y Exom Jaw 25. guL 1.ftMff'F%nflq, .•Nond Ahr Nd NcMaNe Affidavit of Subscribing Witness (Do not use if Mortppr(s) acbmbdpd the Mahepe. Affidavit must be taken in co my whom Property is band.] Before me, a mtwy puddle (who certifin that belshe a not on offiew or dbeeter of PNC Bedr. Nadoral Assoeietioa). prta d- eppgnd .thefiress to the widiio Msrtgap, who beiep ddy swan- accorinp to hew, deposes ad says ttret he(she was persm* prueat at the axed" of said Mor%og sew do within aemd Mw%gwts) WO sip as bisJI 116 reir act and deed, and ddm said Mertpp for the pwpoaea therein set forth; and that the mm of this dopmnt affbred thereto ea subscribing witness is of deponent's own proper handwriting. Sdacribinp ymness Swore to and uftcrrbod before are this day of Notery Public Certificate of Residence: h, Mortgages's p idee rookhrrce is Consumer Lem Coma, 2750 Lbq Avem, Pittsborgh PA 19222. do hereby certify that Apra for Mortppoe RECORDED is the STATE OF PENMSnVANU. COUNTY OF on this day of , b the Office of the Recorda of Deeds is end for said county, b Mortpp Book Yokm , page WITNESS my band and the seat of said office the day wd year aforesaid. Recorder o OO V Z M Cr 0 .* a w . 0 ca . Q ,.g ?Q 1p 30 Q N3_O n m i T N C 7 O N m Q O ?*+ p 3 Pr A e 3) •fi n c Q 1 a M CL Q mt a ;5 0 4 CO n ? pt C W to (; PNCBANK Joseph J Esposito 41 Teaberry Dr Carlisle, PA 17013 ACT 91 NOTICE Date: January 29, 2009 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on Your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached asses. The HOMEOWNER'S EME RGENCY MORTGAGE A SSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This not ice explains ho w the progr am works. To see if HEMAP can help, you must MEET WITH A CONSUMER C REDIT COUN SELING AG ENCY WITH IN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet wi th the Counse line Agency. The name, address and phone number of Consumer Credit Counseline Ag encies serving your Count y are listed at the end of this Notice. If you have any questions, you may call the Pennsy lvania Housing Finance A gency toll free at 1-800-342-2397. (Persons with impai red hearine can call (7171 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 INMEDI:TAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGBILE 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 REDI IIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: PNC CURRENT LENDER/SERVICER: PNC Bank, N.A. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 Joseph J Esposito / Diane Esposito 41 Teaberrv Dr. Carlisle, PA 17013 040-03-048109731756 EXHIBIT '? PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (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 (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and teleohone 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 FILEA HEMAPAPPLICATIONAS SOONAS POSSIBLE. IF YOUHAVE A MEETING WITHA COUNSELINGAGENCY WITHEV 33 DAYS OFTHE POSTMARKDATE OF THIS NOTICEAND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILYPREVENTED FROMSTARTINGA FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " YOUHAVE THE RIGHT TO FILE A HEMAPAPPLICATIONEVENBEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED ATANY TIME BEFOREA SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. Member of The PNC Financial Services Grout Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsytvania 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 en of its decision on your application. r 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.) JAMW IQ CURE YOUR MORTGAGE DEFAULT (Briniz it up to date) (ACT 6. NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 41 Teaberry Dr, Carlisle, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Dayments in the amounts of $345.47 for each of the months from February 2008 through January 2009 Other charges (explain/itemize): Late Charges of $240.00 TOTAL AMOUNT PAST DUE: 740.36 HOW TO CURE THE DEFAULT 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 rishts 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 Dav 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 rrour. Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 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 require ments 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 Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment. or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank, N.A. Address: 2730 Liberty Avenue, 2nd Floor. Maibtow P5-PCLC-02-N, Pittsbureh. PA 15222 Phone Number 14800478-0027 Fax Number: (412)768-3562 Contact Person: Paul Sharkady E-Mail Address: Paul.SharkadvAPNC.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. a 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.) o 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, Paul Sharkady original sent: U.S. Mail certified, postage prepaid PNC Bank, National Association copy sent: First Class, U.S. Mail, postage prepaid Member of The PNC Financial Services Group Consurner Loan Cenier 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 PNC BANK Diane Esposito 41 Teaberry Dr Carlisle, PA 17013 ACT 91 NOTICE Date: January 29, 2009 TA1111CM"ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortaaae on your home is in default, and the lender intends to foreclose Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This notice explains how the program works To see if HEM" caa bd% you must MEET number of Consumer Credit Counseline Agencies serving your County are listed at the end of this Notice If you have any auestions. you may call the Pennsylvania Housing Finance Agency toll free at 1-8W342-2397. (Persons with impaired hearine 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 EWP'ORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LI AMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE 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 REDIMIIt SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: Diane Esposito 41 Teaberrv Dr. Carlisle. PA 17013 040-03-048109731756 ORIGINAL LENDER: PNC CURRENT LENDER/SERVICER: PNC Bank, N.A. Member of The PNC Financial Services Group Ou suiner Loan Center 2730 Liberty Avenue Pi tsburgh Pennsylvania 1622z PN C BANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (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 (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone 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. YOUSHOULD FILE A HEMAPAPPLICATIONAS SOONAS POSSIBLE. IF YOUHAYE A MEETING WITHA COUNSELINGAGENCY WITHIN33 DAYS OF THE POSTMARKDATE OF THISNOTICEAND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILYPREVENTED FROMSTARTINGA FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE." YOUHAVE THE RIGHT TO FLLE A HEMAPAPPLICATIONEVENBEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALL YAPPRO VED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. Member of The PNC Financial Services Group Consumer Loa Cenier 2730 Liueriy Avenue Pit sburgri Pennsylvania '15222 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 uv to date). (ACT 6) NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 41 Teaberry Dr, Carlisle, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments in the amounts of $345.47 for each of the months from February 2008 through January 2009. Other charges (explain/itemize): Late Charges of $240.00 TOTAL AMOUNT PAST DUE: 3$ ,74036 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 $3,740.36, 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 mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney fees. OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. Member of The PNC Financial Services Group onsume LcG,; Certe, 2730 Liber y Ave ue Piitsuu y Pei nsylvania 15222 ,L. P I V C BAN K 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 We and any other costs connected with Sheriff s 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, Mailston: P5-PCLC-02-N, Pittsburgh, PA 15222 Phone Number: 1-800-878-0027 Fax Number: (412)768-3562 Contact Person: Paul Skarkadv E-Mail Address: Paul.ShnrkadyQPNC.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.) a TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. a 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, Paul Sharkady original sent: U.S. Mail certified, postage prepaid PNC Bank, National Association copy sent: First Class, U.S. Mail, postage prepaid Member of The PNC Financial Services Groin? Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 VERIFICATION I, Darnella Ganaway, Attorney Relations Manager, and duly authorized representative of PNC Bank, National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities, that the facts set forth iri the foregoing Complaint in Mortgage Foreclosure are true and correct upon my information and belief. Darn a ay Attorney Relations Manager PNC Bank, National Association a 2C?9 ar'' i 5 f''? 23 4 elS .5a Pa ATrI 3.1(061 ouwa5 Sheriffs Office of Cumberland County R Thomas Kline Sheri Cr ;•,"V ,-j?! Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant ?F ?L kE :-CRIFF Edward L Schorpp Solicitor PNC Bank, National Association VS. Case Number Joseph J. Esposito 2009-3999 SHERIFF'S RETURN OF SERVICE 06/19/2009 08:58 PM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Joseph J. Esposito, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Joseph J. Esposito. The request for service at 41 Teaberry Drive Carlisle, PA 17015 is vacant. The Carlisle Postmaster has advised the defendant has a new address of 6850 Iron Ore Unit 333 Elkridge, MD 21075. 06/19/2009 08:58 PM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Diane Esposito, but was unable to locat( her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Diane Esposito. The request for service at 41 Teaberry Drive Carlisle, PA 17015 is vacant. The Carlisle Postmaster has advised the defendant has a new address of 6850 Iron Ore Unit 333 Elkridge, MD 21075. SHERIFF COST: $59.40 July 10, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY., PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 09-3999 Civil Term vs. JOSEPH J. ESPOSI~I'O AND DIANE ESPOSITO, AFFIDAVIT OF SERVICE OF COMPLAINT MORTGAGE FORECLOSURE Defendants. Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomonntuckerlaw.com Michael CcMazack, Esquire Pa. I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412)566-1212 t3nNl: FIN359433-I 0000] 1-140866 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 09-3999 Civil Term VS. JOSEPH J. ESPOSiTO AND DIANE ESPOSiTO, Defendants AFFIDAVIT OF SERVICE I, Brett A. Solomon, Esquire, do hereby verify that a true and correct copy of the Complaint in Mortgage Foreclosure issued at the above number and teen was served upon the Defendants, Joseph J. Esposito and Diane Esposito at 6850 Iron Ore, Unit 333, Elkridge, Maryland 21075 on the 5`h day of August, 2009 by Certified Mail, Return Receipt Requested. A ~ opy of the Certited Mailing Receipts (P.S. Form 3800 and 3811) are attached hereto as Exhibit A anc~mG~brporate~L~ierein.. 1~ %- € ~~~ ~ ~% ~ -- rett .Solomon, Esquire Attorney for PNC Bank, National Association Sworn to and subscribed before me this ~~~ day ..August,, 009. -Pt _. ~ ~~.~ ,,, ~ta Pu ~ COMMON4APFAi_.TH OF PENNSYLVANIA ry ._ _.~ ~,y„al seal b< ~ °~r ~u?tAry ~ubiic City ~-~x, • - ~~e;heny COUrtty My Coy ~., ~~er•ir~.::;pirQ&==May 23, 2013 Member, Per~n~,i~f~a~~a Aesocia4ion OFNOta~ies COMMONWEALTH OF PENNSYLVANIA Notarial Seal Kelly J. Ntizak, Notary Public aty of Pittsburgh, Allegheny County My Commission Expires May 23 2019 Member.. Penn~~-i,rani~ Association of Notaries [3ANK PIN359433-1000011-140866 ~ i Y ~ i ~ -~ t s ~ 0. l- o ~ ~•~ ~' ~ ~~ ~*4~. _ ~ ^GStayu i :~ F ~:;eaitiea Fae ' " ~ ; ietum ~ ce~~~r Fec~ ~ O ~Fnn~rsen,ent Required) ~ _._ CI Z ~"~~ tmerx ~} - SFr ~ . ~ . f ___.__.__~___ ReStnCfBd DellVety FBE ~ __ ~ t9 -,+ /tip ~b ~ ~ ,lEndorsemenf Required) ~ ~ ~ ~ ,f O f Y' 63 . 1[/ ~ '';, y , Sen Joseph J. Esposito 4 ~~ -----~-- ~ o ~. _._ 68501ron Ore O ~ Stre~ i .~.,.._____.__ ~ ~~~'+ Unit 333 I ----- ~'ry Elkridge, MD 21075 - ... - ~ ~-~~ ^ Complete items 1, 2, and 3. Aiso 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: ,Iaseph J. Esposito 6~3~0 Iron Orc Unit 333 F1lcridge, Mll 2107 A. SI ;nature _ X ~ ~ 4-' ^ Addressee B. , ived by (~d Names) ! C. Date of Delivery D. Is delivery add t>Zm item 1? ^ Yes If YES, enter is`sw: ^ No - -- P -. :c{L 3. Ice Type' ", , ~~~ ;~- rtrtted Mail "r3lbc~ress Mall Registered ^ Retum Recelpt for Merchandise ^ Insured Mail ^ C.O.D. 4. Restricted Delivery? (Extra Fea) ^ Yes 2. Article Number 709 096 000 1249 ],9'12 (transfer /rom service label) PS Form 3811, February 2004 Domestic Retum Receipt EXHIBIT a D 102595-02-M-1540 ~~ (Domestic Mail Only, NQ Insprance,Coverage Pruvfdec ~ For deliyerry~jin~orrnatig~y~~g. ,~~ek~s~te~~vviatrusps.cpm© f1J i~ostage f O i ~ Reiurn Receipt Fee ! ~ Here ti ~ (Endorsement Required) ~'~ ~~^" ~ Restricted Delivery Fee ~ ~~ u_.__ ~~ 0 (Endorsement Required) ~ ~j 1 ~' Total P-,.:_-- ° "--- ~ ~° __ ~~~~~,., ~, O q , ~._ Q„ seat rc Diane Esposito ~u 1 o ....._.. 6850 Iron Ore ° ~'~ 0 Streef, _.___..._ ~ or FO! [Jn>It 333 c~iy,"s~, Elkridge, MD 21075 """""""'" ^ Complete items 1, 2, and 3. Also complete A~ S ure ` ^ t item 4 if Restricted Delivery is desired. `~ X i ^ Print our name and address on the reverse Y Addressee ' so that we can return the card to you. , ( me) C. Date of Delivery g eived by ^ Attach this card to the back of the mailpiece, f ' .5 0 ~ or on the front if space permits. ! D. Is delivery dd diff em 1? '- ^ Yes 1. Article Addressed to: If YES, t~' ery ad~ires w: j ~• ~ ^ No ~ ( ~ ` _ J Diane Esposito ; ~ r' ~ I !I 6850 Iron Ore ~ ~~a ~`~ ~, Unit 333 `' Elkridge, MD 21075 s, iceTypa '~rertined Mail ^ E:xpress Mail ^ Registered ^ Ftetum Receipt for Merchandise ^ Insured Mail ^ C;.O.D. 4. Restricted Delivery? (Ext!ra Fee) ^ Yes 2. Article Number 7Qp9 096 000 1249 1929 (Transfer from service fabe~ PS Form 3811, February 2004 Domestic Return Receipt 102585-o2-M•t5a0 ~.ED-~a~; t ~'v . 2~~9 AEG ! 7 PP. 3~ 3 8 f" S. `v 1~ j~'~~'j.~i~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 09-3999 Civil Tenm vs. JOSEPH J. ESPOSITO AND DIANE ESPOSI"I'O, PRAEC[PE TO SETTLE AND DISCONTINUE Defendants. Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon a tuckerlaw.com Michael C~Mazack, Esquire Pa. I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 152:?2 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 09-3999 Civil Term vs. JOSEPH J. ESPOSITO AND DIANE ESPOSITO, Defendants PRAECIPF, TO SETTLE AND DISCONTINUE 'f0: PROTI IONOTARY, CUMBERLAND COCJNTY Kindly settle and discontinue the action filed in the above-captioned matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendants, Joseph J. Esposito and Diane Esposito. ~g ~--}- ~~ ~. ~ ~T~ICKER ARENSB~.fkG, P.C'. ,~-~ ;~ y ~ i~ ,' ~ '' ;, u ~3rett~. Sol non, Esquire ~ Pa. LD. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Swor+~to and subscribed before me t~~is ~ day of August, 2009. ~~ j-~, n l ;~ ~~ t ` \ \ C tiC.~ N'~i-Y P t~`~iNc CO~PiN!©Nl~EALTH OF PENNSYLVANIA `'-~- N°tarial Seal ~ p4eliy .!. Mizak, Notary Public j City ut Pittsburgh, Allegheny County ~ My Commissian Expires May 23, 2013 Fdemter, Penns>~=yar~ia A5$°~~ah°n °f Notaries My Commission Expires: 13nNK I~IN:35976~-I 000011-140866 FILEt~-tj`r iC~ C}F TH ~G~JI i~n1~TARY ZOQ9 AUG 17 PSI 3~ 4 ~, S ~ r ~ . .., ~~{1`1ry;may/ r't-f v'. ~'.~7 ~~ l l:r~h.ij ti