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HomeMy WebLinkAbout09-8913 SSHAPIRO & DeNARDO, LLC CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Sarah B. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Barry L. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 Mary K. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 69 - $g13 elvitTe-M COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. --- - r Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDERDINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as ; Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed ; Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 ; PLAINTIFF vs. ; Stanley E. Douglas 1330 Williams Grove Road ; Mechanicsburg, PA 17055 Sarah B. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Barry L. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 Mary K. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 ; DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset- Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007, the address of which is, 888 E. Walnut Street, Pasadena, California 91101, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. Mortag?gor(s): Stanley E. Douglas and Sarah B. Douglas; Barry L. Loreman and Mary K. Loreman (b) Date of Mortgage: May 16, 2007 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1993, Page 1746 Date: May 24, 2007 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(8). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A' and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. Assignee: Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 Date of Assignment: October 30, 2009 Recording Date: November 10, 2009 Instrument No.: 200937932 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 1330 Williams Grove Road, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A": 4. The names and mailing addresses of the Defendants are: Stanley E. Douglas, 1330 Williams Grove Road, Mechanicsburg, PA 17055 Sarah B. Douglas, 1330 Williams Grove Road, Mechanicsburg, PA 17055 Barry L. Loreman, 1330 Williams Grove Road, Mechanicsburg, PA 17055 Mary K. Loreman, 1330 Williams Grove Road, Mechanicsburg, PA 17055 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of June 1, 2009 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of December 16, 2009: Principal Balance Due $267,761.83 Interest Currently Due and Owing at 7.5% From ME 1 2009 to May 31, 2009 $1,705.62 Interest Currently Due and Owing at 7.625% From June 1 2009 to December 16, 2009 $11,132.06 Late Charges $719.19 Title Report Fee $250.00 Attorney Fees & Costs of Foreclosure $5,000.00 TOTAL $286,568.70 8. Interest accrues at a per diem rate of $55.94 each day after December 16, 2009, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: l 1 C? BY: Attorneys for Plaintiff S & D File No. 09-036620 ' s I 1 ? w. NETCO 1407 York Road. Suite 311 bidwrville, MD 2)(P3 -,' n 1eT P.'ZIEGLER 2401 RY 24 Aft 9 11 This Instrument Prepared By: After R ording Return To: AMERICAN FINANCIAL RESOURCES, INC. DENVIL NW JERSEY 07834 Loan N her: 0000003191 Uniform Parcel IdeWfler Number: ). )L - 0-,`1$ O-1 t'2 Property Address: 1330 WILLIAMS GROVE ROAD CI MECHANICSBURG, PENNSYLVANIA 17055 NPA Ibbg'rt.Z (Space Above Thls Line Fot Rseartltnb oau) MORTGAGE MIN: 100336300000003191 DEFINITIONS Words used In multiple section of this document are ddbm1 below and other words ace defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used In this docameat are also provided in Section 16. (A) "5ocurity Instrument" means il _0cauneni, which is dated Mil 6, 2007 together with all Riders to ibis document. ,-0D 8. Aup (B) "Borrower")s STANLEY ADOUGLAS AND SARAH^DO GLAS, HUSSANO AND WIFE, AS TENANTS BY ENTIRETY AND BARRY L. LOREMAN AND MARY R. LOREMAN, HUSBAND AND WIFE, AS TENANTS BY ENTIRETY Borrower b the mortgagor under this Security Instrument. (C) "MERV' is Mortgege Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting solely as a nominoe for Lender anti Lender's successors and assigns. MERE Is an nwr4W carder this Security lusbnurteat, MFRS is organized and existing wader the laws of Delaware, and has to address and telephone number of P.O. Bait 2026, Plant, MI 48501-2o28, tel. (888) 679-MMM, PENNSYLVANIA-SIB Famsy aoaMpta e? aare4V-($W Fannie Ntacuddle Maa UNI&M INSTRUMENT • MERS www0chhorr-car, Form 3039 01101 Page 1 or 17 9,93-K-17-4-6 (D) "Leader" Is AMERICAN FINANCIAL RESOURCES, INC. Lender la s NEW JERSEY CORPORATION organized and existing under the laws of NEW JERSEY Lender's address is 273 EAST MATH STREET, DENVILLE, NEW JERSEY 07834 (E) "Note" means the promissory note signed by Borrower and dated MAY 15 , 2007 The Note 3tates that Borrower owes Lender TWO HUNDRED SEVENTY THOUSAND AND 00/100 Dollars (U.S. S 270, 000.00 ) pkis interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full, not later than JUNE 1, 2037 (F) "Property" means the property tbit is described below under the headbrg "Tterufer of Rigbts in the Property." (G) "loan" meant the debt evidenced by the Note. plus Inteved. wry prepayment charges and late charges due under the Nate, and all sums dim under this SecLu* Iu trumsmt, phis interest. (H) "Riders" mesas all R lders to this Security Instrument that are executed by Borrower. The rollowing Riders are to be executed by Borrower [check box as appUrablel: ® Atjustable Bate Rider [] Planned Unit Development Rider 0 Balloon Rider Biweekly Payment Rider C3 1.4 Family Rider Second Home Rider Condominium Rider ® Other(s) [specify] ADDENDUM TO ADJUSTABLE RIDER (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ocdinaaces and administrative rules and orders (that have the effect of law) as well ae all applicable Heal, non-appealable judicial opiniom. (J) "Coatarurdry Assodation Does. !Fees. and Assessments" means all dues, fees, assessments and other charges that are Imposed on Borrower or the Property by a condominium association, homeowners associadon or sbnuw 017geRIM4104. (K) "ElectronicFunds Tranalier", means any transfer of foods, other than a transaction originated by check, draft, or slather paper tnatrament, wbicb is initiated through an electronic termlual, telephonic Instrument, computer. or magnetic tape so as to order. Instruct, or authorize a financial institution to debit or credit an account. Such tam Includes, but Is not limited to, point-of-sale tranafets, automated teller marline (mosactions, ireasrers Initiated by telephone, wire transfers, and automated clearinghouse transfers. Q "Escrow helm" means those Items that are described In Section 3. " "Miscellimmus Proceeds" means any compensation, settlement, award of damages, or proceeds paid by say third party (other than Insurance ptoceeds paid under the coverages described in Section S) for (1) damage to, or PENNSVlVAN1A••S 141" DdCAFA a dm%uvm foa+"artet Fanmle M 1N%dit Mk UNARM INSTRUMENT - MERS ww dopMopaaan Fann 30311 01101 Page 2 o117 UK-4 9.9 3 PG 17 4 7 destruction of, the Property: (iQ coodemoatton or outer taking of W or any part of Ilse Property: (W) conveyance to Neu of Condemnation; or pv) mbrepresentatlaas of, or omissions as to, she value uWat (swilao9 of the property. (N) "hrtoripge 1<trsurauce" rneatrs Lasatsace protecttag I ?d? a?ltrst the ttonpaymmt ot. or daWl on, do Loan. (O) "Parikk Psymosat" means the regularly scheduled am t doe for (1) principal and Interest under the Note, plus (0) any amounts corder Section 3 of this Security Instrument. (P) "RESPA" arenas the Real Estate Set@eatent Procedures Act (12 U.S.C. 92801 at seq.) sad lis implementing regulation, Regulation X (24 C.F.R. Part 3500), as shay might be amended from cline to time, or any additional or successor leglaWas or regulation that governs the cams :object matter. As used In thts Security Instrument, "RESPA" refers to all Ireguitemwts and restrictions abet am imposed is regard to a "federally related mortgage loan" even if the Lou don not qualify a a "federally related martgage Iwo" under RESPA. (Q) "SuceesserinlaterM of Borman" means any party Wet has taken tltle to the Pro", whether or not that party In named Borrower's obligations under the Note and/or shin Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: W the repayment of the Loan, and all renewals, wdensians and modlftca Ions of the Note; and (11) the performance of Borrower's covenanb and agreements under this Security Instrument and the Note. For this purpose. Borrower does borcby mortgage, grant and con'vt:y to MFRS (solely as nominee for Lender and Lender's successors and esslgno) and to the successors and assigas of MFRS the following described property located In the COUNTY of CUMBERLAND (Type or ReoerdleS fuiallcntoel INams nrRarardieg latisdlWonl SEE LEGAL DESCRIPTION ATTACKED HERETO AND MADE A PART HEREOF AS 'EXHIBIT "W'. which currently has the address of 1330 WXLLIAMS GROVE ROAD ISaeN) MECHANICSBURG Pennsylvania 17055 ("Property Address"): tmrrl (uv Cadd TOGETHER WITH all the improvements now or hereafter erected on the property. sod all easements, opporieaaraces, and fixtures now or harealter a part of the property. All replacements and additions shag aim be covered by this Security lostrumenl. Ado! the fartgotng is tut to in this 3ecutity bmmment as the "Property." Borrower understands and agreesthat MGRS holds only legal tide to the interests granted by Borrowerio this Security Instrument, but, if necessary to comply with law or mourn, MBRS (n noodeft for Leader and Lender's successors and assigns) has the right: to exercise any or all of tbmse Interests. Including, but not umitad to, the right to foraclose PENNSYt.VANK-SanaM Fa" 09CUPWIC 991MI1art a0wtaraa Fannie Mas/FrodOta MMae UNn RM INSTRUMENT . MFRS WWW.ds A"VA:,oaor Fomr 3039 x1/01 Page 3 of 17 8K -119 3-PG 17 4 8 and sell the Property: and to take any action required of Lenderincduding, but not limited to, releasing and canceling thla Security Instrument. BORROWER COVENANTS Drat Borrower is lawfully sdsed of the wtele keraby conveyed and has the right to mortgage, grant and eoavby the Property and that the Property is mmocumberail, except for encumbrances of record. Burrower warrants and will defend generally the tide to the property egalmu alt claims and demands, Subject la any encumbrances of record. THIS SECURITY INSTRUMENT comblImuniform covenants form tonal use andaon•ufform covenants with limited variations by jurdsdic Iorr to constitute a uniform seeurity Instrument covering real property, UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: I. Yayaoentoffthwipal, Interest, Escrow Items. Prepsymo it than". and Late Charges. Berroweraball pay when due the principal or, and Interest on, the debt evidenced by the Note and any prepayment charges ad late charges due under the Note. Borrower shalt also pay Binds for Escrow Items pursuant to Section 3. Paymeals due under the Note and dds Security Instrument shag be made in U.S. currency. However, if any check or other Ltstnonent received by Lender = payment under the !'tote or this Security Iosirument to returned to Lender unpaid. Lender may requree that any or all subsequent payments due under the Note and this Security Instrument be muds in one or more of the following forms, asseteded by Lender: (a) cash: (b) money order; (c) cettifled check, bank check. treasurer's check or cashier's heck, provided any such check to drawn spin an Institution whose deposits an Loured by a federal agency. Aastrunentaltty, or entity; or (d) Electronic Pantie Transfer. Payments are deemed reolved by Lender when received at the locatiam designated in the Note or at such other location as may be designated by Lender In accordance with the notice provisions to Section IS. Lender may return any payment or partial payment if the payment or partial payments are 4nuiftct at to bring the Loan current, Leader may accept any payment or partial psymaat Imuftleieni to bring the Loan current, without waiver of any rights hel+euader or prejudice to its rights to refuse each payment or paarlW payments In the lbture, but Lender is met obligated to apply such payments at the time such payments are accepted. Neocb Periodic Payment Is applied as of its scheduled due date, then Lender need not pay Interest on uuappileed funds. Loftier clay bold inch unapplled huids until Burrower makes payment to bring the Lose current. If Borrower does not do Be within a noun" period of time, Lender shell either apply such foods or return them to Borrower. If not "llod sarller, such tPmds will be applied to the outstanding principal balance under the Note buned4cety prior to foreclosure:. No offset or claim which Borrower might hove now or In the future agaWt lender shall relieve Borrower from making payments dos under the Note and the{ Security Instrument or perfortning the covenants and agreements secured by this Security Instrument. Z. Application of Payments or Proceeds. tdxeept as otherwise desaxlbed in this Section 2, au payments accepted and applied by Leader shall be applied In %a following orderer of priortiy: (a) interrst due under the Note; (b) principal due under the Note, (e:) amounts due under Section 3. Such payments shall be applied to wit Periodic Payment In the order In which It became due_ Any mate fining a nounts shall be applied first to late charges, secand to any other amounts due under this Security Instrument, and than to reduce the principal balance of the Note. tr Lender receives a payment ikom Borrower for a delfnque:nt Periodic Paytneat which includes a suffldenl amount to pay any his charge doe, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outslanding, Lower may apply awry payment ra elveed Into Borrower to the repayment of the Periodic Payments if, and to the extent that, sack payment can be paid in full. To the extent that any excess exists after the payment is applied to the hall peymeent of one or more Periodic Payments, such excess may PENNSYLVANIA-5 le FathlyY f>dealemie41Z%Vesoa eoosir.iaar Fanrfw r"Mreddie c UNIFORM INSTRUMENT - MFRS wwW.dbefflyq,ae.c?an Form 3038 01101 Pepe 1 or 17 9K 19 MPG] 749. a be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and dben as described in the Nate. Any application of payments, insurance proceeds, or Mlacellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amosoi. of the Periodic Payments, 3. Funds for Racrow Rems. Borrower sbali pay to Leader on dia day periodic Payments are due under the Note, anal the Now is paid In full. PL sum (the "Funds") to provide for payment of amounts doe for, (a) rases and assessments and other items which can attain priority over this Security Instrument as alien or encuanbraoce on the Property; (b) leasehold payments or ground rests as the Property, if any; (c) premiums for any and all Insurance required by Lender alder Section 5; and (d) Mortgage hhturance premiums, It any, or any sums payable by Borrower to Lender In lieu of the payment of Mortgage Insurance premiums in accordance velar the provisions of Swoon 10. rheas items are called "Escrow tiaras." At origination oral my time during the terns of do Loan, Lender tray require that Community Association Dues. Fees, and Assa ssrnents. If any, be eacruwad by Borrower, and sucb dues, fees and assessments shall be an Escrow Item. Borrower shell promptly famish to lad" ail Roden of amount to be paid under this Section. Borrower sball pay Leader the Itunds for Escrow Items unless Leader valves Borrower's obligation to pay tha Funds for any or ail Escrow lictus. Lender tray waive Borrower's obligation to pay to Lender Funds for any or ail Escrow Items at any time. Any such walver may only be In writing. In the event of such waiver, Borrower 6111 pay directly, when and where payable, the ammumts due for any Escrow items for which payment of Funds has been waived by Leader and. if Lender requires, shall fahrnlsb la Leerier mcelpts evidencing such payment within arch time period as Leader may mqulrm, B ormwer's oblipdan to mraM such payments and to pmvide receipts shall for all purposes he dammed to be a covenant and agreement contained ip this Security Instrument, as do phrase "covessat and agreement" is used in Section 8. If Borrower is obIlliated to pay Escrow Items directly, pursuant to a waiver, and Borrower falls to pay the amount due for an Escrow hank, Lander tray exercise Its rights under Section 9 and pay such amount and Borrower shall (hen be obligated under Sectlon,e to repay to Lender any such amount Leader may revoke The waiver as to any or all Escrow Itern3 at any dale by a notice given In aeeardance with Section 15 and, upon such revocation, Borrower Shall pay to Lewder all lands, and In such amounts, that are own required under Wis Section 3. Lender may, at any time. collect and hold Fursls In aura amount (a) sufficient to permit Lender to apply the Funds at the draws specified under RESPA, and (b) not to exceed the maldmu,a amount a leader can require under RESPA. Lender shat! admate the amount of Funds *a on the baste of current data and reasonable estimates of expeodttures of future Escrow Items or otherwise in accordance with Applkaw Law. The Funds shall be held in an Institution whose deposlls are Insured by a federal agency. Instrumentality, or entity (including Lender, if Lender 13 ad lostltadoa whose deposits am an Insured) or in any Federal Home Loan Bank. Leader shall apply the Funds to pay the Escrow items no is" then the dma Willed under RESPA. Lender shall ant charge Borrower for holding and applytM the Fonds, aftaby analysing the escrow account, or verifying the Escrow hems, unless Leader pays Borrower lateral an the Funds and App"Is Law permits Leader to make such a charge, unless an agreement is made in writing or Applicable Law requires Interest to be paid an the Funds, !.ender shall not he required to pay Borrower any Interest or earnings an the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid o4 the Funds. Leader shall give to Borrower, without charge, an annual accounting of the Fronds as required by RESPA. If flare is a surplus of Funds hold in escrow, as defined wider RESPA. Lander "account to Borrower for the excess foods in accordance with RESPA. it them is a shortage of Funds bold in escrow. as&fiow under RESPA. Lender shall notfy Borrower as required by RBSPA, and Bartower shall pay to Lander the amount necessary to mahe up the shortage In accordance with RESPA, but in no more than 12 moutbty payments. If there Is a deficiency of PENNSYLVANW-St family nee c seeks rani Farris MaelFroddM Mae UNIFORM INSTRUMENT- MERS Wwq.db ok mm Form 3039 07101 Page S of 17 SK-19.93P61750 Funds beta in escrow, as defined under RBSPA, Leader shall notify Borrower as required by P"A, and Borrower shad pay to Leader the amount necessary to make up the deficiency to accordaucewith RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secur edby ibis Security Inst mment. Leader shall promptly refbnd to Burrower any Fonds held by Leader. 4. Charps.- Lim. Borrower shall pay all taxes, assessments, charges, fines, and Impositions attributable to the Property which can attain priority over this Security Instrument, leawbold payments or ground teats on the Property, if any, and Community Association Dues. Feea, and Assessments, if any. To rise extent that these items are Eserow Items. Borrower shell them in the manner provided in Section 3. Borrower; i promptly any ]to whack has primity over this Security Instrument unins Borrower: (a) agrees in writing to the payment of the obligation setstred by the punt in a manner accepuble to Leader, but only so long as Borrower is performing arch agreement; (b) contests the lied In good JIM by or dehads sgabtst enforcement of the Ben lm, legal lmoceetltago which is Y.mder'a opimMn operate to pravasd the enforcement of dm lkm while rinse proceedings are pending, but only ondl such proceedings ere coa dudedl or Q secures from the bolder of the lien an agreesaanl satisfactory to Leader subotdfaating the Dan to this Security lasbrum®t. If Lender determines that any pan of the Property Is subject to a ben which art adapt priority over till Security Instrument, Lender may glue Borrower a notice Identifying the Ban. Within 10 days of the date on which that nonce is given, Borrower shall satisfy the Den or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verillcatlon and/or reporting service used by Lender In connection with d a Loam. 5. Faapect Imsmraace. Borrower shall koap the improvements now existing or hereafter erected on the Property insured sgatust loss by fire, hazards Included within the term "extended coverage." and any other bwArds inakedtng, but not limited to, earthquakes and ileoda, for which Lander regales insurance. This Insurance shall be maintained In the amounts (including deductible levels) and for the periods that Lender requires, What Lander requires pursuant to the preceding saatences can chop daring the terin of the Loan. The lasaranee curler providing the insurance sball be chosen by Borrowersobject to Leader's right to disapprove Borrower's choice, which right ahad not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Iwo. el t?er . (a) a one- time charge for flood me determinatton, cettiticadoa turd traciting semen: or (b) s one-time charge for good zone determination and certification services and subsequent eharges each thus remappings or dmW ebaages occarwhich reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees Impased by tha Federal Emergency Management Agency In connection with the review of any flood zone detersminstion resulting from an objection by Borrower. If borrower faits to maintain any of the awatagrs described above. Leader may obtain lu nrance coverage, at Lender's option and Borrower's expeose, lender is under so obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Leader, but slight or might not protect Borrower, Borrower's equity its the Property, or the contents of the Property, against my risk. hazard or Ilablity and might provide greater or lamer coverage than was previously in effect. Borrower acknowledges that the cast of die insurance cmrage so obtalied might significantly exceed the tort of insurance that Borrower could have obtained. Any amounts disbursed by Lender uoler this Section S shall become additional debt orBotaower seamed by thV Security Instromeai. These amounts shall bear interest at the Note rate front the date of disbursement and shall be payable, With such interest, upon notice from Louder to Borrewor nquudng payment. AB Insurance policies required by Leader and mnawals of such policies &W be subject to Lender's right to disapprove such policies, shall lnclade a Asudard mortgage clause, and shall name Leader as mortgagee and/or as an PENNSVLVANiA- 5 Far? pw;abtrteetWiesass eoaaro-rarr annie aae?/Fredd Mao UN Ily F N IFORM INSTRUMENT - MEaS WWW dwnimb.com Form 3039 01101 Page a of 17 OK -t-993P; 1751 additional loss payee. Lender shall have the right to hold the pollens and renewal certificates. If Lender requlret, Borrower ahatl promptly give to (render all twdpts of paid premiums and renewal notices. If Borrower obtains my form of lnsurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shad name Lender as mortgagee and/or as an additional lass payee. Indhe event of loss, Borrower shall give prompt notice to the insurance carderand Leader. Lander may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any Laurance proceeds, whether or not the underlying Insurance was required by Lender, shall be applied to restoration or repair of the Properly, If the restoration or repair Is economically fessibk and L.eader's security is out lessened. During such repair sad restoration period, Leader shall, have the rtgbi to hold soot kauraace proceeds and Lender has had an opportunity to taped such Property to.ensure the work has been completed to Leader's sattowfon, provided that such Inspection Shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work Is completed. Unless an agrmemesd Is merle in writing or Appllcalde Law requires Interest to be paid on sack insurance proceeds, Lender shell lot be required to pay Borrower any Interest or earnings on each procoeds. Fees tot public adjusters, or other &W parties, retained by Borrower shall not be paid out of the Insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair Is ant economically feaslbleor Lender's semdtywosld be lessened, the losonwe proceeds shall be applied to the sums secured by this Security lastrument, whether or not them due, with the excess. If arty, paid to Borrower, Such insurance proceeds shall be applied In the order provided for In Section 2. It Borrower abandons the Property, Lender may file. negotiate and settle any available insurance claim and related matters. K Borrower does oat respond wltitia 30 days to a notice from Lender Out the Insurance carrier has offered to settle a claim, then Leader may nagolkle and sable the claim. The 30-day period will begin when the notice is given. In otter event, or if Lender acquires the Property under Section 22 at otberwie, Borrower hereby assigns to Leader (a) Borrower's rights to any Insurance proceeds In an amment not to exceed 1611 a xwels unpaid under the Note or fhb Security Iastrumoot, and (b) airy abet or Borrower's rights (olber III= the right to any refund of unearned premlums paid by Borrower) under all Insurance policies covering the Property, Insofar as such rights are applicable to the coverage of the property. Lender may use the histmince proceeds either to repair or restore the Properly at to pay amounts unpaid under the Nok or this Security Irishummu, whether or not then due. s. Ocmpancy. Borrower shall occupy, establish, and use the Property as Borrower's Principal residence within 60 days after the execution of {hill Securitylostrame d and sball continue to occupy the Property as Bar"Mer'3 principal residence for at least one year after the date of occupancy, unless Leadw otherwise sgrees ld waft, which cornea shall not be unreasonably withheld, or unless extenuating circumstances exW which are beyond Borrower's control. 7. Preservation, Mdatenance and Protection of the Property, LupeCgons, Borrower shall act destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing to the Property, Borrower shall matntain 9111 Property in order to prevent the Propanty Runt deteriorating or decreasing In value due to Its condition. Unless it is determined p autant to Section s dial repair or restoration Is not ecoita alcally feasible, Bonwnr !ball prompt(y repair the Property If damaged to avoid Ndher deterioration or damage. If Laurance or condemnation proceeds are paid in coxneetlon with damage to, or to taking of, to Property, Borrower shall be respauffile tot repairing or restoring the Property only H Lendw has released proceeds for such pu pow. Lander may disburse proceeds for the rapalrsand restoration to a single payment or in a series of pmgrssa payments as the work b completed. KIM Laurance or condemnallor proceeds an not sufficient PENNSYLVANIA.-31 falniiY !)at elaplC?py ??Flak Feon4 Mae1?re m V. UN{?qRM INSTRUMENT - MERS Move (Op -ON Pa,,, Perm 3039 O1fOt Paces 7 of 17 OKI 9-S 3 PG 17'5 2 to repair or restore tips Property, Bonvwer b tot relieved of Borrower's obligation tot the completion of such repair or restoration. Leader or Ira agent May maim reasonable entries upon and inspections of the Property- ff it bas reasonable case, Lender may inspect the Interior of the intiprovements an Ow Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specilying ouch reasonable cause. 9, Borrower's Loan Application, Borrower shall be in default it, during the Lon application process, Borrower er nay persona or endties acting at ilsa direction of Borrower or witb Borrower's keowledge or conseatgrve materially Labe, mldaadbg, or Inaccurate information or statenneab to Leader (or failed to provide Lender with malarial information) In com section with the Loan. MateW representations Wade. but are not limited to, reprmetations coacoming Borrower's occapaaay of the Properly as Burrower's principal tesideuce. 9. Protection of Under''s Interval to die Property and nights Under this Seaarity Inbunsent. If (a) Borrower tilt to perform the covenants sad agmanonts contained in this Security Imtrumant, (b) there is a IMW proceedingthatinlghi$4pdf c ndyoffectLuder'sincerestin'thaPsopesiyandlarrightsuadarthisSecurltylnstrumant (such as a proceeding In b sdampky, probele, for condem sloe or todeltum for enforcumat of a Ilan which may attain priority over ilia Security Ltttrunmrnt or to enforce Iowa or rogmledow), or (c) Borrower has abandoned the Property, than Lender may do and pay for whatever b reasonable or appropriate to protect Lender's Interest In tie Property and rights under this Security fastrisuml. Including protecting and/or assessing the value of the Property, amd securing and/or reptnhing the Property. Lender's actions can include, bat are not Umited to: (a) paying airy soma secured by a Ilan which Las priority over this Scanty lostromeal; (b) appearing in court; and (c) paying n es , noble attorneys' fees to protect its interest In the Property and/or,riglds milder this Security Insdrumed, toduding Its seared position In a bankruptcy proceeding. Seeming the Property includes, but is not limited to, entering the property to make repairs, change tacks, replace or board up doors and windows. drain water from pipes. Malaga building or olive code violations or dangerous conditions. and have utilitlp tmrned on or off. Although Leader may take action under this Settloa 9, Lander does not have to do so and is not under any duty or obllgation to de so. It is agreed that Lender Incurs no liability for not Wag any or all actions authorized under this Section 9. Any amounts dbbureel by Lender under tills Section 9 shaft became additional debt of Borrower secured by this Security Instrument Thus amounts shall bear interest at the Note rate item the date of dlabursement and shall be payable, with ouch interest, upon aatice from leader to Borrower reques" psymeat. If this Security Instrvment Is on a leasehold, Boftwer shall comply with all the provisions of the lease. Borrower shall aotsarretder the teasebold rotate and Imeresb btrehr convoyed or terminate or cancel the ground lease. Borrower shall not. without the express written consent of tender. altar or amend the ground lease. If Borrower acqires fee tide to the Property, this leasehold and the tee title shall not merge unless Lender agrees to the mMrger writing. 10. Mortgagt:Insuremce, If Lender required Mmrtgpge Insurance asa condition of making the Lou, Borrower shall pay the prandurns "bud to malatela the Martgage fWawnce M atheL if. for any reason, the Mortgage Insurance coverage required by Le aderaaaes to be avaBable from the amortgage Insurer that previously provided such Insurance and Borrower was required to make separately designated payments toward the premiums 1br Mortgage irtamrance, Borrower shall pay the prond ass required to obtain coverage substantially equivalent to the Mortg sgs Insurance previously In effect, at a most oubsunilaily equivelamt to the cost to Borrower of the Mortgage Iata imce previously in effect, from a0 alternate mortgage insurer safeci ed by Lender. If substantially equivalent Mortgage Insurance coverage Is not available. Borrower abaB cooUtwe to pay to Lender the amount of tie separately designated payments that were due when the Iatmrance coverage ceased to he In effect. Leader will accept, use and retain these payments as it non-rettusdable lase reserve In lieu of Mortgage Insurance, Such leas reserve shall be non•celhrdable. PENNSYLVARIA»Sin F pia! "OW&Vjdz F..b MiWFreaaiM aW UN1F M Msnumewr - MERS Forte 3039 01101 Page a or 17 urn 99.3 PG 1753 notwithstanding the fact that Ilia Loan Is uillmately Feld in foal, and Lender sbaU not be required to pay borrower any Interest or earnings on sucb 16u reserve. Leader can no ioager require loss reserve payments If Mortgage hwamm coverage (in tiro amount and for the period that Lender requires) provided by as Imsarer sdected by Leader again becomes available. Is obpdned, and Leader requires separately designated payalmn toward the premitaw for Mortgage iImnace. If Lender tequired Mortgage bourimce m a coodtgon of the Lane aad Botsvwer was required to make separately dedgaated payments toward the premiems for Mortgage Insurance, Borrower shell pay the pnrolums required to meiaWo Mottgege Iosaraiace in a fflct, or to provide a son-refundable Ioss reserve, until Lender's requirement for Mortgage luvri ace ands In accadu ca with airy written agreement between Bacrower and leader providing for such termination or until wrinb utdon is repaired by Applicable Law. Nothing in this Section 10 affects borrower's agigation to pay interest at the rate provided M the Note. Mortgage Insurance reimburses Loader (or pay entity then pm asest the Note) for certain losses It may incur it Borrower does not ropey! Ilia Lou as agreed Borrower b not a parry to the Mortgage Insurance. Mortgage insurers evaluate their tool risk en aft sub Imunaace In farce from tine to flare, and may enter Into agreRdreenn w1W otter parties tlal share ar Y dklr task. orc reduce loess. These agreemenn wean terms and conditions that arc satisfactory to the mortgage insurer mid the odw party (or parties) to these agreements. These agreements rosy require the mortgage Is mmr to rake payments using arty soars of foods that the mortgage insurer may have available (wh Ich may Include Ian& obtahced f errs Mortgage hisuzzim ptemli mt). An a result of these agreements. Leader, any pmrabaaer of *a Note, another Insurer, any miuaarer, any other eadty, at any dMiste of soy of the foregoing, nay receive (dhv* or Indirectly) amounts that dative from (or Wet be characterised as) a portion of Borrower's payments for Mortgage Insurance, to exchange for dW tag or modityidg the mortgage insurer's rtak, or reducing losses. N such agreeinmt provides that an affl We of Lender takes a shoe of the Insurer's risk In a achaoge for a share of the premiums paid to the Imoser, the arrangement Is often termed `.captive reinsurance." Further: (a) Any aumh agreements will not affect ate amounts that Borrower has agreed to pay for MortWe Csrwrance, or any surer terms of the Loan. Sash agreements wit not bmtease the ameaat Borrower will Owe for Mortgage Insarasm, mW they wi net eaUth lRoffrower to any refund. (b) Any such someneena wig e et agid the rNOW Derwo r has - if any - with respect to the Mortgage Insurance under the gleeneowaers Pre! eciioIsAct oaf LOU or any, etfar taw. These r1gits away b zcbmk the rWa to receive eeetaia Mwlosmras. to cequaat and oblods "Sodhdea of tie Mortgage lase waace. to have the Marig?e Wwuaooe tarmfnated aalormrtiadiy, ade'or to receive a cairns ef?ay Mortgage Iatarowex pwermi®u that wea'ee a eawaed at tic time at suck tancOmiNa w terslmadoo. 11. Assignment of Miscellaneous Prooeads; Forktrae. All Mlsmilaocous Proceeds are bereby assigned to and shag be paid to Lender. If the Property Is dan riled, such Mismilusous PmeeedssW be applied to restoration or repair of the Property, if the reafitation or tapir is ecoaorntcaDy feasible and Lender's saceerisy Is not lessened. During such repair and restoration period. Lender' shelf have the rtgfd to bold such Miacellanoeas Proceeds until Lender bas had tie opportunity to Inspect such property to own the work has been completed to Lender's sadsthctiou, provided that ameb Wspwdon ahWl be underlakem pmmpdy. Leadermey pay forth e repairs and restoration in a single disbarsrmeet or to a series of progresapsyments as tiro Worm is completed. Unless in agreement is made in writing or Applicable Law requires interest to be paid an such Mtscellanenus Proceeds, Leader &W not be tegWW to pay Borrower any interest or earnings on such Mimi aneous Proceeds. U the restoration or repair Is not ccononaWlty feasible or Lender's security would be lessened, the M1sceWneous Proceeds shall be applied to the sums seeamd by this Security PEHNSYLVAHIA-?N?dea Fa ooeYgrnrlfRpreola souses tau Fannie M;r d?eM Nlae UNl RM INSTRUMENT - M%RS www.Won Oftxom Pam 3039 01101 Page 9 or V DWI, 9`93 PG 175 4 Instrument, whether or not then due, with the excess, ir say, paid to Borrower. such Mlecellateous Proceeds shall be applied in Ike order provided for in Section 2. In the event of a total taking, destruction, at loss in value of the Property, the Ml+cellammProceeds shall be applied to the sums secured by this Security Instrument, whether or oat then due, with the excess, if any, paid to Borrower, in the event of a penile! taWng, dsstrudloa, or lose In value of the Property In which the fair market value of the Property immediately before tine partial Wing, deslcectloo, or lots In value is equal to or greater than the smormt of the sums accured by this Security Itrstrmnetit immediately before the putW taking, destruction, or loss In value. unless Borrowerand Lender otherwise agree ki writing, Ure sums sacwed by tbie Secw*lmuumow sbaq be reduced by the amoval of the Miscellaneous Proceeds multiplied by the foilowIM fraction: (a) the total amount of tie sumo secured immediately before the pander Wthtg, destruction, or loss in value dtvidod by (h) the fair mariret value of the Property Immediately before the partial lalring, destruction. or lens In value, Any balance shall be paid to Borrower. to the event of a partial Wdog, destruction, or lass in value of the Property in which the fair market value of tie Property Immediately before On partial taking, destruction. or lass In value Is I= than the amount of the sums secured immediately before the parWl raking, destruction, or loss in value, unless Borrower and Lender otherwise agree In writing, the Miscellaneous proceeds shall be applied to the sums secured by this Security instrument whether or not the suns are then due. If the Property is abandoned by borrower, or If, Mier notice by Lender to Borrower that the Opposing Party (as defined In the next sentence) offers to make an award to settle a ciatm tot damages. Borrower fails to respond to Lender within 30 days alter the date the notice is given. Lender is authorized to called and apply, the Miscellaneous Proceeds either to restoration or repair of &a Ptoperty or to the sums seared by this Security Instrument, whether or not then due- "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the parry against whom Borrower has a tight of action la regard so Miscellaneous Proceeds. Borrower shall be in Mail! 1f action or proeeedb% whether clvii or abWaal, is began that, in Lender's judgment, could result In for dWre of the Property or other material impatrmeat of Leader's lateral to the Property or rights under this Security Instrument. Borrower can cure such a default and, $acceleration his occurred, teinaate as provided in Section 18, by causing the action or proceeding to be dismissed with a rating that, to tender's judgment. precludes ibrteiture of the Pie" or other material hmpahment of Lender's Interest in the Property or rights older this Security Instrument. The proceeds at any award or cWm for damages teat are attribuMle to the Impairment of Lender's btarest in the Property are hardy aedgned and shell be paid to Lander. Ail Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in section 2. 12. Borrower Mot Released; Forbearance By Leader Not a Wnlvec. PMeasion of the time for payment or modification or amortization, of tea sums secu ed by this Security fndawmat granted by Lender to Borrower or-say Successor In Interest of Borrower shelf out operate to telesse d a tlabWty of Borrower or any Successors In Interest of Borrower. Leader shall not he required to commence proceedings sgalmst any Successor In Interest of Borrower or to refuse to extend time for payment of otherwise modify amortization of the sums secured by this security Instrument by reason of any demand made by the origInd Borrower or any Successors h: Interest of Borrower. Any forboarsace by Lender in exercising any right of remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Sueceswrs In Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the enrelse of any right or remedy. 13. Joint and Several WbtNty; l 9tlarsaotY and Asalgrs Bound. Borrowercovenaut s and 6gree3 that Borrower's obligations and liability shall bo jolat and several. However, any Bormwerwbo co-signs this Security PENNSYLVAMA--S F ooeaMOfolOimgrmr appwiarz Fannie Mat UNit?RM INSTRUMENT • MF cgs 10 or 17 ~Kdoems9kiamm 09. f 9 9'3'PG 17 5 5 Instrument but does not execute the Nate (a "co-signer"): (a) (s co-slgeing this Security Instrmment oily to mortgage, grant and cosvcy the co-signer's laterest In the property under the lama of this Security Iasimmenl; (b) k not personally obligated to pay We sums sects by Iblt Serudq Iasio nmtent; and (c) agrees tout Lender and any other Borrower can agree to W*nd, modify. forbear or incite soy aecommodstiota wbb regard to the terns of this Security Inst matent or the Note without the co-signer's content. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument In writing, and Is approved by Lender, shall obtain all of Borrower's lights and benefits ender this Security Inhume oIL Bontwor tdiall not be released from Vorrawer's obligations and liability under this Seeudty Instrument unless Lander agrees to such relesae is writing. The coveaants sad agreentetaes of this Security fnsh,rmrot AA blad (except as provided in Section 20) and beneitt the successors and asalgne of Lender. 14, Ltran Charges, Lender may charge Borrower fees far servlew padamed is connection with Bonww's defoull. for tlb purpose of protecting Lender's Mend In the Properly and dgbos under this Security yes mmoat, including, but not !hailed to, zUws ys' f6m, property inspection and valuation fees. Is regard to my adw-fees, the absence of expwas authority In ft Security to chugs a apaetac foe to Borrower WWI not be construed as a pmhlbttloo an the charging of such tee. Leader may not cbs p few that are expreaty prohibited by dhls Security Iaatrument or by Applicable Low. If the Loan h subject to a law which sets max mum loan charges, and that law is Mally interpreted so that the tntawl or other loan charges collected or to be collected to connection with the Loan exceed the permlued limits, then: (a) any such loan cbup shat be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any saran already collected fray Borrower which exceeded penaiaed bratty will be reSmded to Borrower. Lender may cheese to make this reBrad by reducing the principal owed ender the Nate or by waft a direct psyaumt to Borrower. If a refnmd reduces principal, the reduction will be treated as a partial prepayment without any prepay"" charge (whether or not a prepayment chary la provided for under the Note). Borrower's accelNunce of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Nodau. All notices given by Borrower or Leader in connection with this Security Iasrtumem must be to writing. Any notice to Borrower in connection with this Security Iastrumeal ebell be deemed to have been given to Borrower when mailed by first shun moil or when actually dollverad to Borrowar'a notice atidmss if sent by other memo, Notice to any out Borrower ttbidt t owtlt le. sauce to all Borrowers unless Applicable Law expressly requires atherwite. The notice address shell be the Property Addmu unless Berrowror has designated a subatttate notice address by notice to Leader. Bo1raWW shall prom* notify Lender of Borrower's change of address. V Leader specifies a procedure for reporting Borrower's change otaddrw, (ben Borrower shalt only report a change of address lhrot[gh that spec fled procedure. There may be only one de4uWW notice address uoder this Security lnrtrumant at any one time, Any nofto to Lender shall be given by delivering It or by mailing it by first class mall to ladder's address stated herein wdess Lender has designated another addo sae by notice to Borrower. Any notice In connection with this Security Instrument shall not be deemed to have been given to Leader until actually received by Leader, If any notice required by this Security Instratseal is also required under Applicable Law, the Applicable Law requirement will saWy the corresponding mVdnsmem under Usis Security Lh Muses 16, Govtutaing Laws Sevasnbtifiy; Rules of CawdracdmL This Secmlty Instrwoeat shall be governed by federal law and the law of the jurMcdon la wideb the PrWxW to located. All rights and obligation contained in this Sectuity Instrument are subject to any requiresraals and Imilations of Applicable Law. Appibabk Law naght explicitly or latpkidy allow the parties to agree by contract or it might be silent. but such silence shall not be construed as a prohibition agalnst agreement by contract. to the event that guy provision or clause of ft Security PENNSYLVANIA- Skook Fwaayy aawr+cR vroou uos.a T?., Fortnte INaatFreddta Mac UNIFORM INSTRUMENT - MERE ?? d1re.?grc ? Form 7039 O1/D1 Pegs 11 or 17 BKI: 9.93% 1-75*6 Insimmml or the Note conflicts with Apphc&We Law, such conflict shall not affect other provisions of Oda Security Instrument or the Note which can be given effect without the conflicting provision. Am used in this Secally betnnnent: (a) words of the masculine gender sba11 main and bdWe corresponding neuter words or words of the feminine gender; (b) wards in the stagafar shall mean and include the plural and vice versa; and (r) the word "tray" gives sole discmHoa wilbout may obliption to take my action, 11. Bonvwer's Copy. Borrower shall be given ant copy of the Now and of this Security lust ament. 18. Transfer of the Pro" or a liandklat la tmist In Borrower, As used to this Section 18, "Interest In tha property" moons say legal or beneficial interest is do Property, inclo4q, but ant UmM to. those benesctal interests transferred in a bond for deed, contract for deed, itntallaseot mks contract or escrow agreement, the intent of which is the transfer of tltle'by Barmwar at a fiiture date to a pwchostx. If alt at any part of the Property or any Inww In tfne Property is sold or transhnid (or If Borrower is vol a natural person and a benellclni Interest in Borrower is sold or transfer KO wWml Lender's prior written consent, Lender way require immediate payment in fall of all ohms secured by this Security Instrument. However, this option shell nit be exetciaed by Under #such exarcim is pmWkd by Applicibk Law. II Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shalt provide a period of not less than 80 days from Ike date the notice is given In mccwrdence villh Section 15 whiter which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. its, Borrower's Ilt& to Reinstate After Aeaterution. HBorfowar meet attain condidw Borrower shall have the right to have enfarcement of this Socmily lominune nt dbeontbtued at any lima prior to the oulint of, (a) five days befbre sole of We Property porsuaw to any power of sale contdned In rids Security huhument; (b) such other pedal as Applicable Law mlgkl specify-for the to ndantlon of Borrower's tight to raimlale; or (c) entry of a Judgment trJucing this Security losttllmeaL Those conditions are that Botsawer; (a) Pays Lender sit scrota which then would ba die underthis Security batrument and the Note u if no acceleration had occurred: (b) curet anydefaolt of say other covenants or agmemants; (c) pays all rspeom Incurred in aaforcing this Security Instrument, inelutift. but not Walled to, reasonable journeys' fees, property Inspection and valuation fees, and older has incurred fbr the purpose of protecting Landers Interest In Una Property cad dghha under this Socolly Insisumaht; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rigbts under thin security instrument. and Borrower's obllpt mn to pay the same amcm ed by this SocvAly Inttrunwat, shall continue unchaagad. Leader may require that Borrower pay each relastalem out smmm mad expenses in one or more of the tbBowleg roans, as selected by Lender. (a) card; (b) money order; (c) tufted check, bank cheek, Immonr's check or cashloes check, provided any such check is drawn tipon an Inalitution whose deposits we lurked by a federal agency. instrumentally or entity: or (d) Blectmie Funds Transfer. Upon ml:Wle col by Bommor, Ibis Security laattamentand obligations secured hereby aball remain filly effective as if no aaalevadon bad ocratrred. However, this right to reinstate shall not apply in the can of acceleration under Section Is. 20. Sak otNote; Change of Loan Servioert Ne ice of Grievance. The Nate or a pat cal interest in the Note (together with this Seem* fusha ucal) samba sold out or more limes witbout prior notice to Borrower. A sale mlgdt result In a change in the entity (known as the "Luau Servlcer") that collects Periodic Payments doe under the Note Kid this Security Instrument and purforras other ,mortgage loan sesviciag oWtgations under the Note, Una Security lnatrument, and Applicable Law. There also might be one or more changes of Ike Loa Servicer unrelated to a sale of the Note. If Were 1s a dunge of the Lora Servlcer, Borrower will be given waste notice of the chaop whkh will state she new mad address orris new Loan Servicer, the address to which payments sbouid be madeand any other PENNSYLVANIA-Sun nF, WIY ra"IWIsrr Rannle Mae waddb Mee UNIFORM INSTRUMENT - MFRS wars abcaMpi qM Fom 3099 Ollal Pap" 12 69 17 UR"1-993PG 17.57 inurmation RESPA requires to conacclion with a notice of transfer of servicing. If the Note Is sold and thereafter the Loan to serviced by a Loan Servicar other then the purchaser of the Now. the mortgage low servicing obligations to Borrower will remla with the Loam Servicar or be traudarnrd to a successor Loan Servicerand are not u macd by the Note purchuer unless otherwise provided by the Note purchaser. Neither Borrower oat Lender may commence, Join. or be job" to any Judicial action (w alga v an individual lltignat or the member of a close) that aim Greta the other party's actions pursuant to ibis Saw* lmsmamtent or that alleges that the other party bas branched any provision of, or any duty owed by reason of, this Seamity bratmmneat, until such Borrower tar Leader bu elotiiied the outer parlor (with mckuotice given Incompliance with the requirements of Section 16) of such alleged branch and afforded -other poly bento a remooable period after the giving of such notice to take corrective aedom. If Applicable Law provides a time period which most elapse before oertain action can he taken, that time period will be deemed to be reasonable for parponses of this paragraph. The nodcs of acceleration and opportunity to erne given to son war purauaal to Section 22 and the netico of acceles0on given to Borrower parsuent toSectlon leaballile detsaedto satisfy thetadaudopposmtdlyto Meeorrectvesaion provisions of this Section ZD, 21. Hazardous Substances, As Need In lbb Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances. pollutants, or wastes by Emhoamental Law and the following iniWances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and hetbiddes, volatile solvents, materiels contaiming asbestos or fo:maWebyde, and radioacdve materials: (b) "Etmiromruntal Law' means federal laws and laws of the Jurisdiction where the Property is located that relate to health. safety or environmental protection; (c) "Eaviroomentd Cleanup" Includes nary response action. remedial action. or removal acdou. as defloed in Environmental Law; and (d) an "Embusamotal Condition" means a condition that can cause. contribute to, or otherwise trigger no RwAmnmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or thremento releue any Hazardous Substances, on or in the Property, Borrower shall not do, not allow anyone else to do, anything aft'econg the Property (e) that is in violation or any Farviramnmtal Law, (b) which creates an Etwlmmitenul Condition, or (c) wblcb, due to the presence, use, or release of a Hazardoua Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall oat apply to the presence, use. or storage on the Property of small gaaatifles of Hazardous Substances that are generallyrecogrdzed to be appropriate to normal rail M uses and to maintenance of the Property (Including, but not limited to, hazardous substances in comsumer products). Borrower shall prom pdy give Larder wrimm under of (a) any lavestigedoo, claim, demand, lawsull or other action by any governmental or regulatory agency or private party ImWlving the property and any Hazardous Substance or Envirounerstal Law orwhh h Burmwerhas actual Mowtedge, (b) any Environmental Catditioa, Including but not lltnited to, any spilling, ImUng, dtacbar*e. rbknse or threat of release of any Hazardous Substance, and (c) any condition cowed by the presence. use at totem of a Haardoas Subswaa which adversely sHkis the value of the Property. If Borrower learns, or Is notified by any governmamol or regulatory authority, or arty private putty, that any removal or other remedladon of any Hazardous Substance affecting the .Property Is necessary, Borrower eban promptly take all necessary remedial actions In accordance with Envhvmoe aw Law. Nothlog hatlit shall create any obligation on Lander for an 8nvironmeatal Cleanup. NON-UNIFORM COVENANTS. Borrower and Lander further co"nut and agree as follows: ZZ. Acceteradoni RecaadW. Lauder shaft give notice to Borrower prior to acceleration renewing Borrvwer'a breach orany covemot or agreement is ebb Secwky bobumeat (bat mho pridrta accelerradso under PENNSYLVANIA-S4wN F4n1UY Vatungk RO&S! Ju Famdr rite Mae UNIFORM INStRUMEN7 - MENS .eo,e form 3039 01 1 Page 13 of 17 KI 9-13- 3 P6.17 5 8 Seaton 18 unless Apple "Law pr"Wes wherwist). Lauder" me" Bwrewer of, damns opw thhW (a) the default,. (b) We acdcu required to curt the de iudtt (c) wises the delieWt must be cured; and (d) that falfurs to cure tb defaak as apedlied my resatN In acrxbedoa of the sass secured by die Sera * Isa#ramaut, foreeloattrt by,}rtdkGd prooeeWaS asd sak of thePssipetty, Lenten d A furtbr btlbrw perrawtr of We m rrbefate after accelrtatlea sal the tiigfst la assess b site leeadeerrse proeeodip?tbe uoaos of a defautl or a'q ether dstlaue of Baetawec to acarletadoa sal fondoees+e. If Mrs defatdt is nst eurtd ss spodfiod, Larder at its option may r gWn imaaeltate paymew In fdl of all slues secured by this Security L"tramentwitbouthortberdew"dandamyfundeveNsStaari 1nxtntn Wby v 're, - Leader shallbe entitial to antis-- all expeaeea lscurred in purswas the reasedies pe of he (lib section 22, bxlsdb S. but dot limited to, attorneys' face end orals of dire evidence to go ended pernMed by AppMcebk taw. ZS. Besse. Upon pmt of all saps severed by this Security Instrument, this Septrity fnsimment end We estate conveyed shat) laminate and become void. After web occumence, Lender shall dlaebarge end satisfy this Security Imtrument. Borrower shall pay any recordation costa, Lender may charge Borrower a the for releasing this Security Instrument, but only if the fee is paid to a Ord party for services rendered and the cbarging of &a fee is pormined under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releas" any error or defects in proceedings to enforce ibis Security instrument, and hereby waives the benefit of any present or Ibture laws providWg for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead extraption. 25. Relostateinent Period. Borrower's time to rehistate provided in Sudan 19 shall extend to one bour prior to ire commonmsmeat of bidding at a sheriffs ask or other sale puro ad to this Security Ioatr iment. 20. Purclwe Money Mortgap. If any of the debt secured by this Secartly instrument Is tent to Borrower to acquire title to the Property, this Security histruree t shall be a purchase money mortgage. 27. Interest Rate Afterjudgmast. Borrower agrees that the Interest rate payable after a jbdgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note, FMnii Y" JAFrWNA.A?ihpW F IP RM INSTRUMENT • MERS C gk.Mn Fe, 3019 01101 M Fo Page.14 01 17 OK 493 PG 17 5 9 BY SIONING BBLOW, Borrower accepts and &Wm to the terms and covenants cootalned in thin Sewflty Yrmhument and to any Rider ezecoted by Borrower and recorded wllh it. _ (Seal) STANLE DO LAS -Borrower .uz cj (sang SARAH DOUGLAS -Bormwer ?" 01-e. ? (Sea!) BARRY LOREMAN -Borrower (Seal) -Borrower witness: witness: ...... (Se4 -Borrower PENHSY ZZ14d; 10 f ?pCIIM?iG Whivow dMIMP lid. f?nnb MeuF?odlo rc UNif pM INSTRUMENT -MGRS w?Nr araenrsplc ?m Form 3059 01101 Pogo 6 or 17 MAR . LOREMAN -Harrower W, I.9-9'3 PG 17-60 [Space Below Thb Uns For AchnewbciymeMi COMMONWEALTH OF PENNSYLVANIA ) ) SS: COUNTY OF CUMBERLAND ) On this (he !.lam day of M 8:Y C 2-00-) , before me, T?WAs 6N4t the undersigned officer. personauy appeared STANLEY DOUGLAS AND SARAH DOUGLAS hND OARRY L. LORPMAN AIIO MARY K. LOREMAN known to me (or satisfactorily proven) to be the person(s) whose name(s) Ware subscribed to the within instrument and acknowledged dial he/ahe/they executed the same for the putpesea therein contained. In witness whereof, I hereunto set my hand and official seals, rEY quad nil item" atyw.K%Uryst lc ??? >?*7MP..cb-wcortY Mir C.wei. m sssa? Da. A 2060 Title of Officer (Notary's Stamp and Embosser) My comminion expires: I Certi 1y Ulis to be recorded In Cumberland County PA iNSIRUMENT - MFRS page oocaraWacoon" i.iade Recorder ofAers" 09.11- '93P6 17 61 Cattwife 'D«umm of MEW The uadenlgned hereby cerWta that: p) he/she is the Mortgagee or the duly autbmuo Worney or agent of the Mortgagee gamed in the witbin la h moat; and (It) Mortgagee's precise residence W. P.0 SOX 2026, FLINT MI 48501 Wttuasa my bow Ibis & _ day of t^" ° X ;14" . 3lgaeeare of Mortg+see or Mortda a AadwrUud Aaorney or Agent C..J?Lt sgee aWr*gpisDtdy? 'iypeorPr6dNanat?f?atgagee eDdh/AtdmrlzedAttoraeyarAgent PENNSYLVANIA-?5lr F*Nnl Docasok raoutii?u Fannlo MmWroddl Mau UNIFORM INSTRUMENT - MFRS wnv cn,.ytc,aorr, form 3039 01101 Page 17 of 17 OF4.9-9*3-PG.17 6 2 MIN; 100336300000003191 FIXED/ADJUSTABLE RATE RIDER (LIBOR ARM BALLOON LOAN - Rate Caps) Loan #: 0000003191 THIS FIXED/ADJUSTABLE RATE RIDER Is made this 16th day of MAY, 2007 and is Incorporated Into and shalt 4e deemed to amend and supplement the Mortgage, Deed of Trost, or Mod to Secure Debt (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Note to AMERICAN FINANCIAL RESOURCES, INC., A NEW JERSEY CORPORATION (the "Lender") of the same date and covering the property described In the Security instrument and located at: 1330 WILLIAMS GROVE ROAD, MECHANICSBURG, PENNSYLVANIA 17055 [property Address] THIS NOTE PROVIDES FOR A CHANGE IN llfdf OWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE AND HAS PROVISIONS ALLOWN G CHANGES IN THE INTEREST RATE AND THE MOW HLY PAYMENT. THE NOTE LLMI TS THE AMOUNY THE 86IMlOYYER'S RITEREST RATE CAN CHANGE AT ANY ONE TEIK AND THE MAXBUUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower end Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an Initial fixed Interest rate or 7. 5 0 0 %. The Note also provides for a change In the Initial fixed rata to an adjustable interest rate as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The Initial fixed interest rate 1 will pay will change to an adjustable Interest rate an the first day or JUNE, 2009 , and the adjustable Interest rate 1 will pay may change on that day every 6th month thereafter, The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change Is called a "Change Date." (B) The Index Beginning with the first Change Date, my intamat rats will be based on an Index, 'rho "Index" Is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in The Wall Street Journal. The most recent index figure available as of the rust business day of the month Immediately preceding the month in which the Change Date occurs Is called the "Current Index." MULTISTATE FIXED/ADJUSTABLE RATE RIDER (LIBOR Index) - Single Family Page 7 of 4 Form 4301 8480798 (0511) VMP Mortgage Solutions, Inc. (800)521.7297 5105 W:11.9.3 PG 17b 3 It the Index is no longer available, the Note Holder will choose a raw index that is based upon comparable information. The Note Hoklar will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new Interest rate by adding SIX AND 000/1000 percentage points ( 6.000 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth or one pareerKage point (0.12x%). Suteat to the limits stated in Section 4(0) below, this rounded amount will be my new interest We until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that 1 am expeoted to owe at the Change Date on the "Arnortization period Date" at my new irrtersat rata In substantlelly equal payments, The Amortization Period Date is JUNE 1, 2047 , which Is greater than the Maturity Date. The result of this calculation will be the new amount of my monthly payment, I acknowledge that this amount will not be sufficient to repay my loan in full on the Maturity Date and that I may owe a significant amount to the lender on the Maturity Date. (0) Limits on httenest Rate Ck ng is The interest rate i am required to pay at. the first Chenge Data will not be greater than 10.500 % or less than 6.000 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than ONE percentage points (1, 000$ ) from the rate of Interest I have been paying for the preceding 6 months. My Interest rate Will never be greater than 13.500 96. (E) Effective Data of Charges My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Dale until the amount of my monthly payment changes again, (I7 Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my initial fixed interest rata to an adjustable interest rate and of any changes In my a4ustable interest rate before the effective date of any change. The notice will Include the amount of my monthly payment, any information required by law to be given to me and also the trtie and telephone number of a person who will answer any questlon3l may have regarding the notice. B. TRANSFER OF THE FROKRTY OR A BENEFICIAL INTEREST IN BORitOWER 1, Until Borrower's Initial fixed interest rate charges to an adjustable Interest rate under the terms stated in Section A above, Uniform Covenant 18 or the security Instrument shall read as follows; Transfer of the Pro" or a Beneficial Interest in Borrower. As used in this Section 18, "interest in the Property" means any legal or beneficial Interest in the Property, Including, but not limited to, those beneficial Interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the Intent of which is the transfer of title by Borrower at a future date to a purchaser. Form 4301 8480796 (0511) Page 2 of 4 8105 W,-1139 PG 17 6 4 If an or any part of the•Property or any Interest In the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest In Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment In full of all sums secured by this Security instru rent, However, this option shall not be exercised by Lender If such exercise Is prohibited by Applicable Law. If Lender exercises this option, Lender shalt give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice Is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instru neat. If Borrower falls to pay these sums prior to the expiration of this period, tender may Invoke any reniedles permitted by this Security instrument without further notice or demand on Borrower. Z, When Borrower's Initial fixed Interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument described in Section B1 above shall then cease to be In effect, and the provisions of Uniform Covenant 18 of the Security instrutnem shag be amended to read as follows, Transfer of the Property or a Beneficial Irrtarest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial Interest in the Property, Including, but not limited to, those beneficial interests transferred in a bond for dead, contract for deed, Installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Propeny or any Interest in the Property Is sold or transferred (or If Borrower is not a natural person and a beneficial interest In Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shag not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall root exercise this option If., (a) Borrower causes to be submitted to Lender Information required by Lender to evaluate the intended transferee as If a new loan were being made to the transferee; and (b) Lander reasonably determines that Lender's security VIII not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument Is acceptable to Lender. To the extent permitted by Applicable Law, Lander may charge a reasonable fee as a condition to Lender's consent ttn the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lander and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument, Borrower wig continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. Form 4301 8480798 (0511) Page 3 of4 5/OS Mt..1.993FIG1765 If Lender exercises the option to require immediate payment in full, Lartder shall give Borrower notice of accakwation. The notice shall provide a period of not less than 30 days from the date the notice is given in aecarda»ee with Sectloot 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums prior to the expiration of this period, (.ender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. BY SIGNING BELOW, Borrower accepts i In this Fixed/Adjustable Rate Rider. (Seal) S ANL DOV ALAS -Borrower Q Ck? ??? {Seal) BARB . LOREMAN -Borrower and agrees to the terms and covenants contained --dJi3n. -(Seal) SARAH D013GL? -Borrower 6 'tA7'7'7C.Tr1?(_ 0 MAIL OREMAN -Borrower (Seal) (SeaQ -Borrower -Borrower (SeaQ (Seat) -Borrower -Borrower Form 4301 8480196 (0511) Page 4 of 4 5105 nw"r`1493-,%1766 ADDENDUM TO FIXED/ADJUSTAi31.E RATE RUDER Loan #: 0000003191 THIS ADDENDUM to the Fixed/A01ustable Rate Rider Is made this 16th day of MAY 2007 , and is Incorporated into and shall be deemed to amend and supplement the Mortgage, Dead of Trust, or Deed to Secure Debt (the Security btstrument") and Fixed/Adjustable Rate Rider or the some data given by the undersigned (the "Borrower") to secure Borrower's Note to AMERICAN FINANCIAL RESOURCES, INC. , A NEW J7M"EY CORPORATION (the "Lender") of the same date and covering the property described in the Security instrument and located at: 1330 WILLIAMS GROVE ROAD, MECHANICSBURG, VZN149YLVANIA 17055 (Property Address) ADOMNAL covENANTS. in Addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree as follows: 1. Section 4(0) of the Flxed/Adjustab a Rata Rider is modified as faYows: The interest rate I am required to pay at the first Change oats will not be greater than 10.500 % or less than 6.000 %. Thereafter, my interest rate will never be increased or decreased on any single change Date by more then ONE AND 000/1000 percentage point(s) ( 1.000 %) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 13.500 % or less than 6.000 %, FIMB ARM Addendum to FixwtlAdjustable Rate Rider Multistate page 1 of 2 ID76 8480345 (0610) VMP Mortgage Solutions. Inc. 10106 T6 7 Z. AN othw provisions of the FlxsdlA*wAable Rate Rider are unchsnged by this Addendum arrd remain In M force and effect. Dated: S r N -.0-1 ?• (Seal) S ANLE D AS -Burrower CA,U (Seal) HARRY V. LOREMAN -Borrower a J,_ " - (Seal) SARAH DOUGLAS -Borrower vail.??(I6eaq MAR LOREMAN -Borrower (Seal) (Seal) -Borrower •earawer (Seal) (Seal) -Borrower -Borrower 8480345 (0610) Page 2 of 2 K.'V"3 G 1 T&B 1075 10106 luued by NETCO, lne, 1409 York Pm4. Suitc 311.Luthervlite. MO 21093 Underwrinun by Stwwwt Tiae Gtit linty Company Pile Number NPA-,004722 Agggadix A All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.24 Beet to a point; thence along the dividing HIM between lots numbers 1 and 2 on said plan, South 87 dogrices 32 rrtiautes 12 seconds West, a diAMM of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 fact to a point an the Southern I Ina of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to et point, the plate of beginning. Being lot number 1 on the plan of lots of Frank E. Stoner, as recorded in the Cumberland County kcaorder of deeds office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Being the same property or a portion of tho same property conveyed to Barry L. Loreman and Mary K. Loreman, his wife, as tenants by the entirety and Stanley 1:. Douglas and Sarah B. Douglas, his wife, as tenants by the entirety by Deed dated August 18, 2003 from Secretary of Houseing and Urban Nvelopment filed on August 18, 2003 in Book 258 at Page 3736 in the Cumberland County records. Commonly known as: 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number, 22.11-0278-078 ALTA 2006 Cemmihmnt (Jeri) Itt". SPA 1. 76-9 Date: Mary K. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 7009 1680 0001 2930 2266 ACT 91 NOTICE 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 pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program 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 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman PROPERTY ADDRESS: 1330 Williams Grove Road, Mechanicsburg, PA 17055 LOAN ACCT. NO.: 1009993112 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. CURRENT LENDER/SERVICER: OneWest Bank, FSB LAW FIRM FILE NO.: 09-036620 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU 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 THIRTY- THREE (33) DAYS. 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 countv 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 Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have 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' YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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: 1330 Williams Grove Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: June 1, 2009 to June 1, 2009 @ $1,776.79 = $1,776.79 July 1, 2009 to November 1, 2009 @ $1,801.01 = $9,005-05 Other charges (explain/itemize): Accrued Late Charges: TOTAL AMOUNT PAST DUE: 537.88 $11,319.72 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not gpplicable): 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 $11,319.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Paments must be made either by cash, cashier's check, certified check or money order made payable and sent to: OneWest Bank, FSB c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) 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) DAY 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. 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 un 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 3 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: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, Kine of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire 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 X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/1512007 10:03:08 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Deny Street Harrisburg, PA 17104 717.232.9757 Loveship,Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date: \??? ? 0:-? 2259 7009 1680 0001 2930 Barry L. Loreman 1330 Williams Grove Road Mechanicsburg, PA 17055 ACT 91 NOTICE 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 pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program 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 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman PROPERTY ADDRESS: 1330 Williams Grove Road, Mechanicsburg, PA 17055 LOAN ACCT. NO.: 1009993112 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. CURRENT LENDER/SERVICER: OneWest Bank, FSB LAW FIRM FILE NO.: 09-036620 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU 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 THIRTY- THREE (33) DAYS. 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 countv 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 Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have 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 APPLICATIONAS 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' YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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. f you have filed bankru tc , you can still a 1 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: 1330 Williams Grove Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: June 1, 2009 to June 1, 2009 @ $1,776.79 = $1,776.79 July 1, 2009 to November 1, 2009 @ $1,801.01 = $9,005-05 Other charges (explain/itemize): Accrued Late Charges: TOTAL AMOUNT PAST DUE: 537.88 $11,319.72 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): 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 $11,319.72, 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: OneWest Bank, FSB c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) 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) DAY 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. 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 3 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: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire 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 X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/15/2007 10:03:08 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date: \\? 7009 1680 0001 2930 1528 Sarah B. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 ACT 91 NOTICE 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 pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program 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 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman PROPERTY ADDRESS: 1330 Williams Grove Road, Mechanicsburg, PA 17055 LOAN ACCT. NO.: 1009993112 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. CURRENT LENDERISERVICER: OneWest Bank, FSB LAW FIRM FILE NO.: 09-036620 HOMEO'WNER'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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU 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 THIRTY- THREE (33) DAYS. 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 countv 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 Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have 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"YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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. f you have Filed bankruptcy, you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT Brim it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 1330 Williams Grove Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: June 1, 2009 to June 1, 2009 @ $1,776.79 - $1,776.79 July 1, 2009 to November 1, 2009 @ $1,801.01 = $9,005.05 Other charges (explain/itemize): Accrued Late Charges: TOTAL AMOUNT PAST DUE: = 537.88 $11,319.72 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): 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 $11,319.72, 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: OneWest Bank, FSB c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) 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) DAY 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. 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 ri--ht 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 3 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: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire 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 X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). 4 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/15/2007 10:03:08 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 t Date: Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 7009 1680 0001 2930 1511 ACT 91 NOTICE 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 pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program 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 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 REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman PROPERTY ADDRESS: 1330 Williams Grove Road, Mechanicsburg, PA 17055 LOAN ACCT. NO.: 1009993112 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Resources, Inc. CURRENT LENDER/SERVICER: OneWest Bank, FSB LAW FIRM FILE NO.: 09-036620 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU 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 THIRTY- THREE (33) DAYS. 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 countv 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 Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have 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'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 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: 1330 Williams Grove Road, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: June 1, 2009 to June 1, 2009 @ $1,776.79 = $1,776.79 July 1, 2009 to November 1, 2009 @ $1,801.01 = $9,005.05 f , Other charges (explain/itemize): Accrued Late Charges: TOTAL AMOUNT PAST DUE: = 537.88 $11,319.72 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not 4pplicablg): 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 $11,319.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. PgMents must be made either by cash, cashier's check, certified check or money order made payable and sent to: OneWest Bank, FSB c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) 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) DAY 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. 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 is i 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 paving 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 3 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: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire 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 X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/15/2007 10:03:08 AM Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Mlaranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 VERIFICATION Christopher A. DeNardo hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to make this Verification, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsification to authorities. SHAPIRO & DENARDO, LLC BY: Dated: 1'Q1 '9?3(0 Christopher A. DeNardo, Esquire Attorney for Plaintiff CS) F ? ?0C, 9 0 C 31 II 1 e -*ga.oo NA ATTy et-f 3 }, Rj* a3 s4,a. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy ,_ , ,. ,J F1L~~3-~+~t:t~iC:E_ Edward L Schorpp Solicitor 2010 JAN -8 kM 9~ 03 Ct~l~~~,~:~ti~aU %;t~N~Y F~iVSYLVA11tl~ Deutsche Bank National Trust Company vs. Stanley E. Douglas Case Number 2009-8913 SHERIFF'S RETURN OF SERVICE 01/06/2010 05:50 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on January 6, 2010 at 1750 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Stanley E. Douglas, by making known unto himself personally, at 1330 Williams Grove Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. 01/06/2010 08:54 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on January 6, 2010 at 2054 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Sarah B. Douglas, by making known unto herself personally, at 1827 W. Lisburn Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. 01/06/2010 05:20 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on January 6, 2010 at 1720 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Mary K. Loreman, by making known unto herself personally, at 1204 Brandt Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. 01/06/2010 05:20 PM -Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on January 6, 2010 at 1720 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Barry L. Loreman, by making known unto himself personally, at 1204 Brandt Road, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. 01/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Barry L. Loreman, 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 Barry L. Loreman. Request for service at 1330 Williams Grove Road, Mechanicsburg, PA 17055 the defendant is not found. Barry L. Loreman is currently residing at 1204 Brandt Road, Mechanicsburg, PA 17055. 01/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Occupant of 1330 Williams Grove Road, Mechanicsburg, PA 17055, but was unable to locate them in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Occupant. Stanley E. Douglas is the only occupant at this address. 01/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Stanley E. Douglas, 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 Stanley E. Douglas. Request for service at 1204 Brandt Road, Mechanicsburg, PA 17055 the defendant is not found. Stanley E. Douglas is currently residing at 1330 Williams Grove Road, Mechanicsburg, PA 17055. 01/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Mary K. Loreman, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Mary K. Loreman. Request for service at 1330 Williams Grove Road, Mechanicsburg, PA 17055 the defendant is not found. Mary K. Loreman currently resides at 1204 Brandt Road, Mechanicsburg, PA 17055. 01/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Sarah B. Douglas, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Sarah B. Douglas. Requests for service at 1) 1330 Williams Grove Road, Mechanicsburg, PA 17055 and 2) 1204 Brandt Road, Mechanicsburg, PA 17055 the defendant is not found. Sarah B. Douglas currently resides at 1827 W. Lisburn Road, Carlisle, PA 17015. SHERIFF COST: $204.40 SO AN , ERS t° January 07, 2010 R Y R ANDERSON, SHERIFF ~=' gY /'" Deputy S ...riff SHERIFF'S -OFFICE OF CUMBERLAND COUNTY FILES}-Cr, Ronny R Anderson (`F Tp" Sheriff Sheriff at ?a+4flr?f? ., , .+r Jody S Smith LOW", Chief Deputy st CL' MY Richard W Stewart Solicitor` = PEvNSzVANiA Deutsche Bank National Trust Company Case Number vs. Stanley E, Douglas (et al.) 2009-8913 SHERIFF'S RETURN OF SERVICE 04/09/2010 04:35 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on April 9, 2010 at 1635 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Stanley E. Douglas, Sarah B. Douglas, Mary K. Lorman & Barry L. Loreman, located at 1330 Williams Grove Road, Mechanicsburg, Cumberland County, Pennsylvania according to law. 04/09/2010 04:35 PM - Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states that on 4/27/10 at 1938 hours, she served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Stanley E. Douglas, by making known unto, Stanley E. Douglas, personally, at, 1330 Williams Grove Road, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same 04/27/2010 08:05 PM - Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states that on 4/27/10 at 1938 hours, she served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Barry L. Loreman, by making known unto, Barry L. Loreman, personally, at, 1204 Brandt Road, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same 04/27/2010 08:05 PM - Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states that on 4/27110 at 1938 hours, she served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Mary K. Loreman, by making known unto, Mary K Loreman, personally, at, 1204 Brandt Road, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same 04128/2010 01:55 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on 4/28/10 at 1350 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Sarah B. Douglas, by making known unto, Sarah B. Douglas, personally, at, 1827 W. Lisburn Road, Carlisle, Cumberland County, Pennsylvania its content; and at the same time handing to her personally the said true and correct copy of the same 06/01/2010 Property sale postponed to 9/8/2010. 09/07/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that this writ is returned STAYED, per letter of instruction from Attorney Michael Clark on 9/7/10 SHERIFF COST: $865.54 SO ANSWERS, ('?Z' x. 2?r - September 14, 2010 RON R ANDERSON, SHERIFF a.00 r?' cam. . SZ> (? hod t.o GountySuite Sheriff. Fe!eosoft. (nr,. f--9r-7e ??9 I I I t $I SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee of the Home Equity Mortgage Loan CIVIL DIVISION Asset-Backed Trust Series INABS 2007-B, CUMBERLAND COUNTY Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the NO: 09-8913 Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley $. Douglas and Sarah B. Douglas and Barry L. Loreman and Mary K. Loreman DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 1330 Williams Grove Road, Mechanicsburg, PA 17055. Name and address of Owner(s) or Reputed Owner(s) Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Sarah B. Douglas 1827 W. Lisburn Rd. Carlisle, PA 17013 Barry L. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Mary K. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 2. Name and address of Defendants in the judgment: Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Sarah B. Douglas 1827 W. Lisburn Rd. Carlisle, PA 17013 Barry L. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Mary K. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 c/o OneWest Bank, FSB 888 E. Walnut Street Pasadena, CA 91101 4. Name and address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007, Plaintiff c/o OneWest Bank, FSB 888 E. Walnut Street Pasadena, CA 91101 5. Name and address of every other person who has any record lien on the property: f 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 1330 Williams Grove Road Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: ?? li V?- Michael . Clark, Esquire 09-036620 _?z SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley E. Douglas and Sarah B. Douglas and Barry L. Loreman and Mary K. Loreman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Your house (real estate) at: 1330 Williams Grove Road, Mechanicsburg, PA 17055 22-I1-0278-078 is scheduled to be sold at Sheriffs Sale on June 2, 2010 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $289,318.10 obtained by Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 09-036620 All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers 1 and 2 on said plan, South 87 degrees 32 minutes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Commonly known as: 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number: 22-11-0278-078 BEING THE SAME PREMISES which Barry L. Loreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded August 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife, and Stanley E. Douglas and Sarah B. Douglas, his wife, in fee. v - z SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee of the Home Equity Mortgage Loan CIVIL DIVISION Asset-Backed Trust Series INABS 2007-B, CUMBERLAND COUNTY Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the NO: 09-8913 Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley E. Douglas and Sarah B. Douglas and ; Barry L. Loreman and Mary K. Loreman DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Sarah B. Douglas 1827 W. Lisburn Rd. Carlisle, PA 17013 Your house (real estate) at: 1330 Williams Grove Road, Mechanicsburg, PA 17055 22-11-0278-078 is scheduled to be sold at Sheriffs Sale on June 2, 2010 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $289,318.10 obtained by Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 09-036620 All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers 1 and 2 on said plan, South 87 degrees 32 minutes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Commonly known as: 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number: 22-11-0278-078 BEING THE SAME PREMISES which Barry L. Loreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded August 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife, and Stanley E. Douglas and Sarah B. Douglas, his wife, in fee. a` SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley E. Douglas and Sarah B. Douglas and Barry L. Loreman and Mary K. Loreman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Barry L. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Your house (real estate) at: 1330 Williams Grove Road, Mechanicsburg, PA 17055 22-11-0278-078 is scheduled to be sold at Sheriffs Sale on June 2, 2010 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the courtjudgment of $289,318.10 obtained by Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 09-036620 All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers 1 and 2 on said plan, South 87 degrees 32 minutes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Commonly known as: 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number: 22-11-0278-078 BEING THE SAME PREMISES which Barry L. Loreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded August 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife, and Stanley E. Douglas and Sarah B. Douglas, his wife, in fee. SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee of the Home Equity Mortgage Loan CIVIL DIVISION Asset-Backed Trust Series INABS 2007-B, CUMBERLAND COUNTY Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the NO: 09-8913 Pooling and Servicing agreement dated June 1, 2007 ; PLAINTIFF VS. Stanley E. Douglas and Sarah B. Douglas and ; Barry L. Loreman and Mary K. Loreman DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mary K. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Your house (real estate) at: 1330 Williams Grove Road, Mechanicsburg, PA 17055 22-11-0278-078 is scheduled to be sold at Sheriffs Sale on June 2, 2010 at: Cumberland County Sheriffs Office I Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $289,318.10 obtained by Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 09-036620 All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers 1 and 2 on said plan, South 87 degrees 32 minutes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Commonly known as: 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number: 22-11-0278-078 BEING THE SAME PREMISES which Barry L. Loreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded August 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife, and Stanley E. Douglas and Sarah B. Douglas, his wife, in fee. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 09-8913 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee of the HOME EQUITY MORTGAGE LOAN ASSET-BACKED TRUST SERIES INABS 2007-B, HOME EQUITY MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES INABS 2007-B under the Pooling ans Servicing agreement dated June 1, 2007, Plaintiff (s) From STANLEY E. DOUGLAS and SARAH B. DOUGLAS and BARRY L. LOREMAN and MARY K. LOREMAN (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) if property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $289,318.10 L.L. $.50 Interest from 2/9/10 to 6/2/10 -- $6,890.16 Atty's Comm % Due Prothy $2.00 Atty Paid $336.90 Other Costs Plaintiff Paid Date: 2/12/10 (Seal) - 2av_ David D. Buell, Prothonotary By: Deputy REQUESTING PARTY: Name: MICHAEL J. CLARK, ESQUIRE Address: SHAPIRO & DeNARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 202929 On March 22, 20 10 the Sheriff levied upon the defendant's interest in the real property situated in Monroe Township, Cumberland County, PA, Known and numbered, 1330 Williams Grove Road, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 22, 2010 By: CNUL? T?> tv" Rea Estate Coordinator OZ 3 V 81 gi3j OR J3 Writ No. 2009-8913 Civil Deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of May 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR3 vs. Stanley E. Douglas, Sarah B. Douglas, Mary K. Loreman, Barry L. Loreman Atty: Michael J. Clark All that certain tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the West- ern right of way line of the Williams Grove Road at the corner of Green Lane, as shown on the hereinaf- ter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers 1 and 2 on said plan, South 87 degrees 32 min- utes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book "Q", volume 36, page 106 in prior deeds). Commonly known as: 1330 Wil- liams Grove Road, Mechanicsburg, PA 17055. Parcel Number: 22-11-0278- 078. BEING THE SAME PREMISES which Barry L. Loreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded Au- gust 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife, and Stanley E. Douglas and Sarah B. Douglas, his wife, in fee. PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA . ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: April 16, April 23, and April 30, 2010 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Marie Coyne Editor SWORN TO AND SUBSCRIBED before me this 30 da of April, 2010 _ Notary NOTAK SEAL OE1106M A COLUN8 Notary PVM CARL tSIE 80R0tINii. CWl ftW COUNTY MY Commko a ExpMq AM 42. 204 Writ No. 2009-6913 Civil Term .'deutsche Bank National Trust Company as Trustee under Pooling and Servicing Agreement dated as of May 1, 2007 Securitized Asset Backed Receivables LLC Trust 2007-BR3 Vs. Stanley E. Douglas Sarah B. Douglas Mary K. Loreman Barry L. Loreman Atty: Michael J Clark ALL THAF CERTAIN Tract of land and the improvements thereon situate in Monroe Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point on the Western right of way line of the Williams Grove Road at the comer of Green Lane, as shown on the hereinafter mentioned plan of lots; thence along said right of way line, South 00 degrees 11 minutes 11 seconds West, a distance of 225.54 feet to a point; thence along the dividing line between lots numbers l and 2 on said plan, South 87 degrees 32 minutes 12 seconds West, a distance of 980.51 feet to a point; thence North 00 degrees 28 minutes 00 seconds East, a distance of 225.29 feet to a point on the Southern line of Green Lane; thence along the latter, North 87 degrees 32 minutes 12 seconds East, a distance of 979.40 feet to a point, the place of beginning. Being lot number 1 on the plan of lots of Frank E. Stroner, as recorded in the Cumberland County Recorder of Deeds Office in plan book 57, page 53 (erroneously referred to as plan book volume 36, page 106 in prior deeds). Commonly known as; 1330 Williams Grove Road, Mechanicsburg, PA 17055 Parcel Number: 22-11-0278-078 BEING THE SAME PREMISES which Barry L. l.oreman and Mary K. Loreman, his wife, by Deed dated August 18, 2003 and recorded August 18, 2003, in the Office for the Recorder of Deeds in and for the County of Cumberland, in Deed Book 258 Page 3736, granted and conveyed unto the Barry L. Loreman and Mary K. Loreman, his wife. and Stanley E. Douglas and Sarah B. Pouglas, his wife, in fee. The Patriot-News Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE. A& V Now YDU J( - (+ n CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587. Approved May 16, 1 )2') Commonwealth of Pennsylvania, County of DaL pt in) ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation orgariz(!d and !x sting under th ? law ; of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 f la -ket Street, in he C ty of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The I'a riot-Ne vE and The Sun, lay F atriot-News newspapers of general circulation, printed and published at 812 to 818 Market Stre(4, n the C it, , County and ; itate aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854 a id Sept ?r iber 18th, 194 9, re! pectively , and all have been continuously published ever since, That the printed notice or publication which is securely attached hereto is eKa,tly as ! Sri ited and publi shed n their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below l hat nei h !r she nor saic Cor pany is interested in the subject matter of said printed notice or advertising, and that all of the allegal of is of this state rent as to the time, place and character of publication are true, and That she has personal knowledge of the facts aforesaid and is duly authorized and E 'n )owered to ve ify tP is staterrent on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously p; issec and adc )led Severally by the stockholders and board of directors of the said Company and subsequently duly recorded in th ? office for the Rec )rding of Deeds in and for said County of Dauphin in Miscellaneous Book "M Volume 14, Page 3' 7. PUBLICATION COPY This ad ran or t ie date(s) shown )elow: 04/16/10 Sworn to and subscribed before me this 18 day of K ay, 2010 A.D. Notary Public COMMONWEALTH OF PEN L (LVANIA Notarial seal Sherrie L. Kisner, War P Vic ; Lower Paxton Twp., Daupl, In bunty My Commission Ex?m Na, . i ar, 2019. Member, PennsovenIa Assod& ar of Nohads 04/23/10 04/30/10 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF FILED-OFFICE OF THE PROTHONOTARY 2010 DEC 13 AM H: : 16 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 VS. Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman DEFENDANTS PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY: Kindly mark the Judgment entered on February 12, 2010 in the above entitled action vacated without prejudice to Plaintiff. SHAPIRO & De ARDO, LLC BY: Michael J. lark, Esquire Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 VS. Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman DEFENDANTS CERTIFICATE OF SERVICE I hereby certify that I hav served a true and correct copy of the Praecipe to Vacate Mortgage Foreclosure Judgment on to all parties named herein at their last known address or upon their attorney of record as below listed by regular mail, postage prepaid: Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Sarah B. Douglas 1827 W. Lisburn Rd. Carlisle, PA 17013 Barry L. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Mary K. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 SHAPIRO & DeN O, LLC BY: J Michael J. Cl , Esquire Attorney for aintiff SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF °1 F'ILED-OFFICE OF THE PROTHONOTARY 2010 DEC 13 AM 11: 16 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 VS. Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman DEFENDANTS PRAECIPE TO SETTLE DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & DjpNARDO, LLC BY: V V I I/ V \_ Michael J./Clark, Esquire Attorney or Plaintiff .. SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 09-036620 Deutsche Bank National Trust Company, as Trustee of the Home Equity Mortgage Loan Asset-Backed Trust Series INABS 2007-B, Home Equity Mortgage Loan Asset-Backed Certificates, Series INABS 2007-B under the Pooling and Servicing agreement dated June 1, 2007 PLAINTIFF VS. Stanley E. Douglas; Sarah B. Douglas; Barry L. Loreman; and Mary K. Loreman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 09-8913 CERTIFICATE OF SERVICE I here ce fy that I have served a true and correct copy of the Praecipe to Settle, Discontinue and End on I a. I lo to all parties named herein at their last known address or upon their attorney of record as below listed by regular mail, postage prepaid: Stanley E. Douglas 1330 Williams Grove Road Mechanicsburg, PA 17055 Sarah B. Douglas 1827 W. Lisburn Rd. Carlisle, PA 17013 Barry L. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 Mary K. Loreman 1204 Brandt Rd. Mechanicsburg, PA 17055 SHAPIRO & DeN RDO, LLC BY: k, Esquire MichaeVifiPlaintiff Attorne