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HomeMy WebLinkAbout10-4506LAW OFFICES OF GREGORY JAVARDIAN BY: GREGORY JAVARDIAN ID# 55669 1310 INDUSTRIAL BOULEVARD 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215)942-9690 EMC MORTGAGE CORPORATION, ATTORNEY-IN-FACT FOR DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE, F/K/A BANKERS TRUST COMPANY OF CALIFORNIA, N.A., AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, 1999, BEAR STEARNS ASSET BACKED SECURITIES, INC., ASSET BACKED CERTIFICATES, SERIES 1999-2 7301 BAYMEADOWS WAY JACKSONVILLE, FL 32256 PLAINTIFF VS. CINDY HOKE, AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND, DECEASED 115 SOUTH HUMER STREET ENOLA, PA 17025 DEFENDANT 7 f- Z a n `'rr:rV ~l~ t ! r I l t ` ' ~' ~ .~~ ~ "°'' ! ;, . •~", Yf7 ~i t ,; r_ ~ _,:~, ,,, ,~ .. . ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 10 - 450 l~iv ~ l 1~~ COMPLAINT IN 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 defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 ~ga.oo Pp A~ ~~ ~5o~a ~~ ayU~~ IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. LAW OFFICES OF GREGORY JAVARDIAN BY: GREGORY JAVARDIAN ID# 55669 1310 INDUSTRIAL BOULEVARD 1sT FLOOR, SUITE 101 SOUTHAMPTON, PA 18966 (215)942-9690 ATTORNEY FOR PLAINTIFF EMC MORTGAGE CORPORATION, ATTORNEY-IN-FACT FOR DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE, F/K/A BANKERS TRUST COMPANY OF CALIFORNIA, N.A., AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, 1999, BEAR STEARNS ASSET BACKED SECURITIES, INC., ASSET BACKED CERTIFICATES, SERIES 1999-2 7301 BAYMEADOWS WAY JACKSONVILLE, FL 32256 PLAINTIFF VS. CINDY HOKE, AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND, DECEASED 115 SOUTH HUMER STREET ENOLA, PA 17025 DEFENDANT CUMBERLAND COUNTY COMPLAINT IN MORTGAGE FORECLOSURE CIVIL ACTION MORTGAGE FORECLOSURE 1. EMC Mortgage Corporation, Attorney-in-fact for Deutsche Bank National trust Company as Trustee, f/k/a Bankers Trust Company of California, N.A., as Trustee under the Pooling and Servicing Agreement dated September 1, 1999, Bear Stearns Asset Backed Securities, Inc., Asset Backed Certificates, Series 1999-2 (hereinafter referred to as "Plaintiff") is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania with a principal place of business at the address indicated in the caption hereof. 2. Cindy Hoke, as Executrix of the Estate of Edith A. Riland (hereinafter referred to as "Defendant") is an adult individual residing at the address indicated in the caption hereof. COURT OF COMMON PLEAS CIVIL DIVISION NO. . 3. Plaintiff brings this action to foreclose on the mortgage between Edith A. Riland and itself as Mortgagee by Assignment. The Mortgage, dated February 26, 1999, was recorded on March 4, 1999 in the Office of the Recorder of Deeds in Cumberland County in Mortgage Book 1524, Page 579. Plaintiff is the Mortgagee by Assignment by virtue of an Assignment of Mortgage recorded on August 14, 2000 in the Office of Recorder of Deeds in Cumberland County in Book 652, Page 5. A copy of the Mortgage is attached and made a part hereof as Exhibit `A'. 4. The Mortgage secures the indebtedness of a Note executed by Edith Riland on February 26, 1999 in the original principal amount of $67,200.00 payable to Plaintiff in monthly installments with an interest rate of 7.50%. A copy of the Note is attached and made a part hereof as Exhibit `B'. 5. The land subject to the mortgage is 115 South Humer Street, Enola, PA 17025. A copy of the Legal Description is attached as part of the Mortgage as Exhibit `A' and incorporated herein. 6. Edith Riland and William E. Riland are the Record Owners of the mortgaged property located at 115 South Humer Street, Enola, PA 17025. 7. Upon information and belief, William E. Riland departed this life in the December of 1985. Title to the property was held by Edith A. Riland and William E. Riland as tenants by the entireties. Upon the death of William E. Riland, his interests passed to Edith Riland by operation of law. 8. Upon information and belief, Edith Riland departed this on February 19, 2007. 9. A certificate granting Letters of Testamentary was filed with the Cumberland County Register of Wills under File No. 21070308, naming Cindy Hoke, as Executrix of the Estate of Edith Riland. 10. The Mortgage is now in default due to the failure of the Defendant to make payments as they become due and owing. As a result of the default, the following amounts are due: Principal Balance $58,219.39 Interest to 6/22/2010 $5,261.66 Accumulated Late Charges $446.31 Escrow Advance $1,905.29 Recoverable Balance $367.60 Cost of Suit and Title Search $550.00 Attorney's Fees $1,300.00 TOTAL $68,050.25 plus interest from 6/23/2010 at $11.96 per day, costs of suit and attorney fees. 11. The attorney's 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 purchase at Sheriffls sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 12. Pennsylvania law requires that a plaintiff in mortgage foreclosure provide a defaulting mortgagor with a Notice of Intention to Foreclose ("Act 6 Notice") 41 P.S. Section 403 and Notice of Homeowners' Emergency Mortgage Assistance ("Act 91 Notice") 35 P.S. Section 1680.403c. 13. The Notice of Intention to Foreclose and Notice of Homeowners' Emergency Mortgage Assistance were required and Plaintiff sent the uniform notice as promulgated by the Pennsylvania Housing Finance Agency to the Defendant by regular and certified mail on May 19, 2010. A copy of the Notice is attached and made a part hereof as Exhibit `C'. WHEREFORE, Plaintiff requests the court enter judgment in Mortgage Foreclosure for the sale of the mortgaged property in Plaintiff's favor and against the Defendant, in the sum of $68,050.25 together with the interest from 6/23/2010 at $11.96 per day, costs of suit and attorney's fees. Law offices of Gregory Javardian BY: gory J ar Attorney ID .55669 Attorney fo laintiff EXHIBIT `A' ~5-88-'88 11:24 FBC~"1-Premier Abstract - a-- -- - - -v - ~d~hC~ ,y\~ ree.1 Nnoibar. M-~ s • 1290- 09S tYl- is -laaD -44 S A 7175456163 T-669 P0A2I088 F-139 rcz~ :; . yt~.t.~R '99 t~RR 4 P~1 1 13 DLlaae ^a=tA01 1'0. 19Ce Abn 1MY I.Jaa For l4owdlae Duval ~dn~,R.r MIJRTGAGE C/o oosraoeraaoa >Iaa, d~ c>wtrasmx save, sum ><et taa va0as. day e~soa t~I~Ti~E~II ID ~-seart~rtma,~a~t')u~[venon r.ae,.nsy aaea, is~~ .'Ibas~o~[aYor)s CBaee+aror9.7W (~unmt 4 pva~ w mdrraeeroaeis coaeoattssaed IcEIaL i1 o[yuohOd and Ca1Nlry under the hrwa at essax>'a~ , aed adtaa sdaewe[e las s. te~tograsa a+oaD, a)-reoe0. rs iooaa-wo ('-aatdkr7. Bo®~ owa Loader ~c prkdpat aom of dtsterlr aevsd s,totdsatle anD saamel>a a 001309 Davao Na- a as,soe.oo ), ZLdI d~! i erJdeseed h Baroerarh nose dyed the aaoe due a dth Searcgt aulseanm ('Nola'). pmWdat the pep~etaah, wLh Ibe f1p debt, [t ool 0e[d eaalir, doe .od par6ls as atuan 7 , aoa! , •~ ~ eetnanaot eeeuees m t.®der: (~ q+e ss~ymat ~ the tleh[ aidrsoed b~ IEe rlote~ w[d ~ooelat, ud ail modlsraaoae atrhe Mete; d7 the w®eot af,nome.u.e.,Ntl-Jrtaw4.ara®ed rda raoeNala, extaeroae aad thu setamfp, teehaotaot: aed (W dta peuRraaaq ad>leuo~eta aaettma aad uedathh ' ~ l~ ~ ieoelty of Nate. par ddt pupae, Bo~Nec doa haaLr moApdy atua ed eoorey b I:emdv lha Loioxlaa dntxfbed pmpeegr located b Cutdwrluod pwspr, lMaa!'lweda: s:e tDg1IeST ^a~ Iae the addeaa d laf somT mace axsse:. aeaea. leave, a41 ,~- d+enaylvanla voce [~k~t (Aopat~Aadrw7; ranwrvA[w- a1,rd,t~ -alatMdvaec L wurDametnsrmoam+r wr.aen Aso- ~~~~~~~ ~ r,aaRA) a+M Afn/eall/[ waarwwu•amiu-rai -.i.s eouK1524nd~ 1579 05-08-'08 11:25 FROM-Premier Abstract 7175456163 T-669 P003/008 F-139 7VGt3fHP1t WylK dl Ise urpwvaaraa row ar laeedbr sassed as e: property. and all eeaarrmee. appateuocee. ffi flabaa ooa' a herealks a pul e<the ymPW'• Ali cad edditlo» alpii der !K eo~erM by Wte S¢wdry lmlrurra. Ad aldr lbeidoL k reknad b is Wa Sawdty Itrretari a ple'PtopaAj. HURRDW9R 00'V!'r1AtV'tS err Banoerar V brwAliFj taieed of the ealale hereby eoareyrd sad hp Ere riett m abAea¢. wdit ddtadamen~' EM FmP.'4 ~~ ~~. ~ana~[arcR of exord. moors ad 7x15 SBCt1RR't' 11iSTIlUAUINT oarnhdnee ndktra aaraeanet eer rooorot ap ffi wowolfirm eoveearu wf` Walled wokdene by jarbmedon b oeaaeleb a taYbtto aewrllY Irrtrmmt ooreAn<rnl plopeell• [A>~Dtthl CpV6NAx'LS. Borrower rd taada and +graa rv rdbw.: L th~raa d tPrletdprt pa lemrest: t?re~gwfrd are lak L9rar~r. and ]w sh.rpe,~due~wihe Nor. ha ale die pAacipl a[ ffi laleteat oa er dell erldemed by Ibo xab ffi aqy prepgylrot Z ~~ {~ 7'nra ape httalraeres. ldrbJeel b aPptlalle bwr or m a wrillea elver by Eaeler. Borrower abal par b tinder as the ay +~-r pWr~ ~ doe aada be Nab, wino do tiok L pall b< NB, a cline {-wda"y lOr: (~ y~y rtw ffi wepa+aae whrh ~ uam P°~1` ovar lhle 8eaalh' tnprraeat u a 9aa as oee P-opmy; (b) Jrodr h~aslaa P m ~aaad zada m tte [7apeeW. L aq; (d Yffir haerd or ptopaetY taerproe pew OA yffi9lhrod io11ta.ee puadrsne.lf rE!i (d ~4 mrW V hwrpree yieootatn. If say/ all (~ e% art pgalle Ol Bottower b I~~det in auadanoa wltb Ibe proeddora of pmelepb si. m lien of dr pgmeol a abegap lawmen pr~~rm. 'Thee itm~ rep celled ~ae+ow 116ne' !.coder ew. at gory dp4 ao1La ffi hdd Parldr la Im emoat rbe b ®oee0 6e IDadeaaa awuwl i leader few a Aedera~ lelebd marylde 10o any regdre fir Darrraf'a straw seams ffitr tin l0exrl Red &hb SelReara Prooedarea Ar! of 1974 n wr®ded !ran dace b data. 72 U.S.G lAsllnn ~Ol et cep. C~~"T. ~~ ~r !nv ~ataptalla m Ile tllsdl .art a lacer raawt. if ace. I.mder raU. 4 mP fbx, oolbet and bald Pmb In m apomt mt m atmaed the !spew anrpnal. laeYt pql gNmab Iha armat of l4red. dYe an me tale of arrmU dde and rraavmhte atloWa of errpardltuta d furrc eterov Imro or aebrYdaa M aeoaMaoF veldt epplicdrk hw. 77b Prmdl dial! he hdd b m Ifetlaldon whose depod0 are tatuad by a !clad tyeae~, Irraunraaalib, er mdq Qndudra !elder, U tack Y aoeh m 1allmdtlr) m m arq Pedeol Barr tau Belt lewder drA apply Er: Pmrde b pay dte t3leraw Lmr. Isader tagy tnl dbrte eonwwer fm hoWhy and trlplylrq tM tlyde, oeaully ~b'~R ba escrow aamm4 ar verlt@m6 the 6raaw oast. vexes !sale pqe Borropa beerwt m ere t1u4 and ~plkable law parmtlr I.elder b t.:te saes a chaeue. ltoweerr, ladder mllr teQulrc /orroee tiw pyl a oaetlme dwp lbw a md.padait red erhb Ibt repatul{ earvloe seed hr t2AdS hl WroOCdee ~ dd1 lml, aICM applioatda bar ~OFlfl.e alba[w1R. 7srTae all i. mde or ap~ilabk law rortwses Ireaeet b bs pall. Iacde whet! wa he regakad b !N' Borrower m! Ialrat Ot eraahlRt ea dre !boll. $arower and Ierde par ~ m wddnj, bowers, plc haeaa dufl be pad r Wa tivde. lade ebaB clue m Ibnownr, ripaw sharp. ro apaaa tee.lwiaf rd dre Pmdr, dlwedre arcdtt d dehbe b elC t'eada sea er purpoa Pot wtddl neh desk m 6e ynnlb rnn mach 7ss Podr ate pldped d addEad aeoaltr Jhr afl seas eemled hr ddl Seeullly lneklmevt H the Plmda hehl by Lewder wined ee aabamt l~ b be bald by appMable 4w, Leader ahdl axonal b tbetowar for me seep Pa.de m .neeedaos wlm eb,epbamaraa d aptlinhle law. H tb rmoelt or lha Fbrde held >n Iarda a aq7 tlme 4 rot atleeba b pq~ dr elaor Ilaoe wbea due, Ierdtrmgl m adPy 8ormtpl in wrriy, d, to tall ale Bonowe shall Par b tinder she ammrt rroerary n mda op Its ddlakro7. Borrower dull malls np the ddidarcy to ro t.orc dlec trrlve ~rlr (• x taoder'r aok dleaatlar. L/por Paymee b loll of dl rot seared by ttdr Semdq lerenna. [,cadet ml ytormdy refill m Boerwwar as P+rdl held by lards. ~ ceder pan~apY 21. !awls she8 ae4We a eI ere Propery. Lade, t:ie b ere aogabubr ro Bale a< the Prtiprty, shall amply argc phadt bdd by lender d Iu Ems of aapdtloa ar cede L a swell! ephle er uiro aawrcd bl eaa Sectidty Grbometr• 3. AppRWliu d ~• thisu a dw ffi o~~N~ u emdeac pa kyab axis pea~aph2. 1 ffi 1 ah~ lb IWIlN: tpt. m a4 t~ dda4 b laaaldne: taro b prlltdpd lax•md lad. b e4lalec6er~a lm amde the role. e. drrpn Lime. ]hxrower .hdl Iar aTl teelee. alataaNt, eharlae, ens sad Impn+Eals aurlbauhle m Ee Property .ddr>ti may atnlo }lydty stir thb Ssaib Irraloee, told hLddl paymari ar pmpd me, if arty. Henower dr8 pq tone penes owidm p~aypea~t. t!1! aw~ ~;tsrtd~ ti 7~ea b~ d nodoa ~d ammlb~ ~ d cal p~nrrYapn.du Bermwer arha drs peymmm dtlecly. Ddppleer drL ym•vlb tYeNdl to larder raxlpte evldwdrre rtr p4ymaer. Barrows lbdt proweall eleWage n0' ikw vbta lue prbrlq weer Ihk soerrKr trtruaae unlep Borrwwer. W specs sa wrbbd b du ptpawa d dre ohlyadan rewrad hr the ikn b a roenoer uogkbte b Leader, (b) ~d m flood thttb er tler by, a defect aphut atlfOraWOrl of ~e iten i>4 Iepl ptoceedbgt whirl to e» Laadrr'i opWm upenas m pteveat er eaRtoement or Ile der; ar (H aaarea Lraa Eli herder ar ere Lm m apeeaar ffi~Y b ladder abot3adr: ea hm b llr 9aoeld taetra®Id. R Iaodri~ tlelmalrer tlut u{y pat of the Aapaq L auhAed m a Lea whl~ Troy aado priorlq eves mir Seaudq hrourraaa. Leader roq pvc Borrows a roeoe Idertdfyhle Ile Ikn. Borrower shill tatlefy dr Ilan W rate doe ar mom of Ee acdar «t fbnh abmw rrlrhla 10 days of t1w i~ae of nodes. rwmsov ~..+ea0'd41 aye tutee ~d nu11.521rdIE IJ~V ~~'- 05-88-'08 11:25 FBOM-Premier Abstract 7175456163 T-669 P004/008 F-139 >~ Ilmrd or r lnreane. BarmrrQ alall kap dr lrpaavermKt now esibtap ur ltaeelbr aecxd m flee ampctty lamted ajahel loo ey d-r, Lartda doeltdet tddbt tla brt 'atmidee oo+RUS• rrd aR ass hrratde, eaiertoj dredr or llaretaj, ar .ndrj Linder rt{nlra Imotmee. sw donranoe abd be aoloalrre a ak rmmme .ed for die peetedt dw Linder eequleea 'flee latraom mrler peo+fdlnj de Itaeoaar baV 6e clam sY Boeroaer ~ m Lmdar'a apprarat width doll not be vpturaiaWly wMhaeld 8 BOrrarar tdit b nrloglp armnm deeoPoad above, Linder mty, rt Lbdx'a aptlon, obatn mreraae m praeect Cedars elyW !n the Repe:q lO axeedmee ehh l~iol~17. All Ieeaearx polltiea rod teetwak dell bO tnoeptabk b Lefler d drl fodnde a eerded moiyye dnee. Ledtr abaL Law fhe tyla m hobl p pdkhs cad tesrurh. U Leodar mgdeq. Breoaa doll pmmpOt ire m Leader aq teedpb d pak permlama ad nrswd oOtl~s. ~ Or erect dbn. Dactower ehrtd piw yxOw jt tndoe er da: lraiaeaQa wtrlr cad Linder. Lrkt mry cult pmo[af hba dteal nude pmmpt>y by 8etroaeor. 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The 9Pday pedal w111 agla when Isa aade:ls !dam Udeat Lmlrr and fleteoatr odtwwdr epee in ndOq~, aqy dptnceadr m pemrJpal d,ri cot e>amd u poelpom do doe dMe d tlu mardgy paymege tetlrred m le paespaphe 1 sal I R drape Oea amount d tlr pepmenM. if epdv pecynU- 21 ~O Aapoty 4 ~ by Lattdr, HonetYrer4 rltk b aq danrarea poldar cad palisade terrldoj biota dwM b the Ytoymq pebr b das aogOfdtbr ehsa pa b Leetder b Oe exeaAL dtae pane mad by etla 8eemiq laeleemenl LnuedlaWy prior b do aegobluea 60mtMregr.Prro~atlowltrlethaeeeaaadA~etadloedthat~eopereyi 8o*rawa^a Leo ApproeloeeiLareAd~. 1Ms:e~Rr >Drll aeeupy, eatdtbdt, ad or tlM Pmpab' r 90em1rat'a psledpt anldrw wimle Way flan atbR flee eaomaaa st dda 9ewftly leoblraeat nd ebr0 mOlMeta b otxLpy rite Ptoymty at Hortower'epibdpd reddest tbt rl Jere Ono yar aRa rite date d oxapnooy. wMr Lade Olher>riw ajttea bt tallfq, wtdQt ttaaxd aba11 ad 6e uwn.maHy wlbheM, ar'peu etamatq mde tihkh sew bayod Brtoeerl ooort >faerower ltd cot deata~y, deaopear hrpW tae At;aaty, lbw de Aeepetty b detedeaab, a OOaaelt wab m tis l4apetdr. BOMranr dtaY se b datdt It asy teeadtre aotloo os peO~, whedeer avu ar amdol, s Beam flea b Geda'a jar ltddt Jripae9t sold raatt m >seidatn d da: Propwq~ R eaa.Ue taatrddly ~ me nat erred h! rhlr deamia L~tYemee r Lards .eaelq taweeL temoaee ar! pas sari . depealt ad >nlealab, s pevdded k jataprapk IR by dutblu[ tic plan at peereedlaj b bs dlmipad tJlb a nrtteej Ore. i l.adr'a jar il@s deemnlplea, ptrtdadn terleWut dlhp itatarrra Maort Jq Ibe 7toppq or atbr atab[hl mpkaeat d u+e llee earaad by dr. axing Itattomeet or 6wda'aaetauiy haowt. lanenv sans abb be da depot KBortoa, dealt j do !am aygbadm peat. taw ~wb titre R laaecrrab labmWlm or sanrtero b Lsdet tR ddlad b leenrlda Linder rr~ aq ayeeelr m mmeedm adds ma taad~ioea~ltpm~b taa~ T ~ a leaerald, aoaopa p ddot~Or ]mere, lY enpoev aagdep flte Ode b On AoPO+ty. de krtLotd and dx foe Oda dW natme~'O mdrn Laderyens b Iheaarrpr iswdtMej. . 7. Treaeoloee d Ltndr'r Ryda k Oo Rtepery: U BatrOaror lajt b perlkp Or Oarotran cot rpepnerp mnWad b ink 9eoadq Ioeno+ot or rocs Y a bd pcooeedlnt rtal mq' bjtiflc~ adlbd L:nder's ~ In p pmperly {crab u a pmeaedlr~ >p armejeoy. ppraa, let mademartdoc R forlldteee R b am®we laws R tePiderl, dra Linder eoq de std paY ax whatarar b trw~ a peraot the walr d die Ptopap and Lnder'e yMr la Ibe Ptoprll. Cinder's eraioat map ballads pll+4{ >tA can aeurad i7 a Ilep wlddi hr yeladp' toes WI1 8amdq' lapauer. sypaatlrj ha mot. pylaj reaeerhla amorneyr sees cad mtedet to dts 14eperq m reatrs npaha. Attleeodt Leedee cry tart sorbs radar Qdt prtattaph T. Leidc dot rsahrve b do ar. Aa! ditbaoed Dy Lmdv order Ode pagpaph 7 eholl bemre eddalonel Debt d jaetoaus aermod a! dda 9eourlg lntremL TJnirs Bea<eo.r cat Lender spec b OOrt tetrtn d pgmeaa. deer aoatatt abaft brat laterot horse tM dad of dJa6arbremt as tLe flab rte ad drll k pyalete, seph leta'rR vpm mdoe soot trader b Jbrtarterrepeeglr~ Palms !. lamtprr 6roraena. II Lader te~dad oaatppe Inwattae b a madaMr dmddq pe hnu- secured by ddr ~d 1Ortromp. Daneear atoll !b' Wa peurltaae tegohrd m mdaetht Or rnep~ baroearm !n eftbaf. iG ar any term. the neetpA Moutroea orvsap egOUOd.by Lroder leer Or oraees b hs b stag. NarOwe sbdl pay ds peerdmoe +a9uhwd m ohhle avenge ' e4uirdeat b sae aoeatpt•e lararupe pterdrutly la elRa, w a ode srabtddy egdwkaa b dr oau n smrowec of the mripa~ Lactase ice! b alloot, corm an dManab asitptp brtaer appmred h! taeeder. U anapaoda6y ededralme Iraraar wrwO,e Y nut sraiaWe, tdonsarr bull py tO tenter eat naee0e a eom equ! to aesewelri of ata yeoar tfatytpe dopaemc. praeaLer teem j pedd Dy teortoaer whoa ms hoa:aar mrerye ~ m ceraea b be >n etibet. LwMr wW aesept, ma ad reedo Weaa pysari r a hm reas<ee b Sae atreatpje Iwmos. Lew caseate ne.we s~N, r ^ -.cnnG•N Mao Own re~G~+~ ~is~4~ asst ~5-88-'QS 11:26 FBOM-Premier kbstract ?175456163 T-669 P~05/B08 F-139 ~~ wry dr m tines t>e tegrdnd, d me apdm at Inter, Kaeapse hsunnoe wrd'ae (hr dr sanmr sae f6r ac pedal ~ . drt loader saqute0 fwd bJ m ' ~~ hJ [sadet ~ Nmerw avalfaNe and m ebtahrdl. Borreerat ahMl pey ee pnamlmor lr~alred m .dada martp,de itraraaae >n e6eet, « b prw,de a loo serve, usse er regrdJmrw rx mwtdase lawefaCe each Ia eaealdeaaC wlh slay N7leen aparmant ietelem Barrow sad 1sdeC« appliCabb Lw. !. Urpadlou. Irerdet m [tl >~ rosy mde rwraeabb erla ~ and ttrpeepaus d Qr Ptnperty. liatdar shat slue Rotrawca• aadp ~ the tblN ar ro gior m as Irapedlm ~K reeeaaehle ewse er the lrrpeedar. 1t1. Cepdaraallao. Tha paoasil d arq snarl « abdm kt diwa/e, dheet « maygmdtl, to m~raas +~ say caderneMOa « dyer taihrs Of rmy P~ ar dre Enipery, « tar aoararao« b ika or rAndseirem, ere heteiJ wl6ded and the ee pfd b Imdec. b tie stem or a tetM ttddae d the Rnprny. doe 17raaoolr Mre1 ba egemd m de taro ceased by Bee 9xudtl ionraaw. wdwber « mt theb drr. +eMh aey rtaxs Pm b Boaorer. b tha Wert aF a prlM aHq ar die liaper0' d wHeh pe ter nrdmt rafts d the fiaperd inaaredmdy 6afrm era eMdat ~ ~ a or s~ than ~ rrruat or Ae eras awered iY thle 3emrlq irahttat0al lulmed+aib hNae ere Miry. raise Bwrrrret ad terrdtr eeree.dte Atnee m rrWe~, ore error mace 1q tbm Segtdly trboarat ahdl b mined by dre eeasat ar Ore p[aaedt trrtyted h dr b0aw1R OacAoet (~ dr sad aaewe or tIr arw wane ~ belMe dm tskns, rflrldel h eD3 la Mr reartar verse er tlr rrayerty Mrrdmeeq inlets en wdne. ItaJ bdreee Biel 6e pfd m Basrorar. 16 ae event K a Pow ~tod d the P,opxq to wilds em ftlr tasrtar vMir of drs ~PpO' temaedmMly heron fie taYait m mu era dm amore ar dw war aeeuand kttrtopat>:ly bebre iba y~i. mtat Bmnwer rtd Larder aihaedia spa Ip rrtfa~ «imlert apptidrle tar alkrwire prorldaa, ere ptooarde Mat tie sppllad m de tvaffi seared h ede Sawiety laraaetaa rlreller « me 4r rtmr are tltat dw. It M P+a}atty m ahaadrred by ttarrorwr, a l4 atix tneoe by Leeet r sorcoer« sae de meed®r arton to md+e w award or settle i dw. ix dreayea, Berrorer 1YI4 m rwyad m Ledar wlmm 30 dolt etoer rba dde the teem m srrrar, i.aalrr u aoWOrLed w altar and aP1ty dre pra«eN. d Ir oygea, ddtr m retardlae «reper ar dre l°YOPeM1 «m era aaN asarod bJ tlW Baarl4' lawmnt, rdrdrr a tee rem dlx. Uamw Order ad lloyoret athenM epee hi +rIW/. aq MNkMbn or pioowdt m pimdpat Mat pot anal «prtpw dw Bar Barr ro Qr tlioowy pyatmda sekrwd m la paopeyAa 1 rd 2 «drpe de smut aruch p~rrwl. 11, ttorroaariQat>rdawltllrriseeMea t¢ I~aerrlfala 1Wtrr, lmdyafo~ or ee doe five pyaasrt or Reeldeadee of sw«eorlba of em atnr Iaoolea by eft tptprtmac paemd by taeder m say araooerar 4 maar of Barrorer Mru ret npaam m temase w 1b1tW ar tie arlsirrr Brno+at ra Beyorwrh aeoowwta to hesasat Ledo der m tr regrdrad m snares praawdlap atMst aW arrataeept ha irdesetl «wiWe m salteid lYnt dx yapreat a ddryeAle araNy arotdw9era b dta arms werrsi by dda 8sar9,y 1rBumat try anoa od aqf lord rude b lr odsmaS Beorrwrr ro Borron«'a tmoessas b laprey. AiW eetimaeloe bJ l.uder In amrealni etrr rf<ht «taxdy r5ti sot be a walart d Q FrerJidr pre amebae of ray ~~is 8u~ me ad AaMpr Bsmd•, rapt ad Brwtal LIriYA'i ~Prn. 71m ooteawR end apeaaap d thM Steady LMrtwmt,rhdl Bind sad teeaeet lie saooeaae tatl aoMpe of Ledo rod Baemwer, ragyeat s drs Qroddaw of prrapaph IT. Dwmoa'i•oovmom rod spxeaeda Aar be Jamt rq eeeeral. Any Barrorar erin ao-dyes ddt SewiV laurunmt hat door not aamwe dre Note: (s) q eod~ eds Stxodty )ash9arerd edJ to meaWrP. rVart sad eoarry oral Bonor«'a inltaert b er pueperty under the bens ar ohm 8aar4'» Ib) m not pewWfiy o0pplyd m py Are awns t[aored d) des Stady faattmra; ad 651 a/reM erl ]+sic and see' Kerr Boreoaer pny apse m edmd, ated{4, br-wr a mdm aq amommodaerr wllh sedetd m the cartes ddde isoathy Iwpnarea x doe Nom wldSsat MrR Beetotrrr9 across. 13. Inca Chir1~ LS er loss setutel y dds Sroalyr lutr®m 4 aobJor b a taw rYm sep msodmra loco charpea. sad drl law m t]aalty faaegamd so star the hserrt «a6tt mwt Brassie oelMvmd a m be ootrorod lraawom7lar veldt sr man an:wd ets }mdped ifnlY, drrc (a) r4 sui fora tLari ~ b eadttoa0 b dr stood mwrary b radim Bra rdrrle m me Perdpe/ tdk ad ~ n4' ama Broady wteelaF B_ imoMr whleh eaaeeded P tsdtr rift to teArdad m Baeerrer. Leader my rbease m rratr eft nmod b ramsemt ee pMdpd orrod order ere Nom ro h tnetlod • dhep pyetret ro Bayonet. >< a teNed nedoeea patncipM, ea nadaatloa erID to Crated w a peW p.pymae wt+aoot aqr Preppaeat dtarye uedet tbeNooe. 14. Pmalew. Arq rda b Banerer Mottles the>b ink Seauny taanaepl ahdl be sf+ea iy detiveMot k ar hl arultad h bJ lyt daM WY order ~rtoapwmwr wlmrw are aaaoih« nredrod.'lie wMoe M.It lx direcW N dr 1!ropetY Addcrr ar ary o01eF adOlaR Benowa detipame Ny rodoe b Isnder. Aa7 aodoc m inter rise ba elves by fiR Mar avail m l.mdal addrew scud herria « sy aei« arWs iaadar dralprma hY uoerx b Boereeret. Ant ssadea prneided 1« >n dim 9smLLy Iwpwnad dwl he deemed p lace bad tlrm b lasro+erar 7sdv rhea s~ ae peorided la eds pppapb. 15. Cetand.s Ln ~~d• arm leoala IaMiNSmt shall tK f~+l by tbdeal tar and e+. ar of de )erladltllm b wYdl ax Ptepary b lamed. la ee exeat eat aqy temp ar drre or tbb Aaef$ hrrrrrrsat or de Note conelca rNh appprrile Int. rtnh aanla rhdl pot a1&at ottrer prerldoot of ddc SaeM9' Hrarmerrt «drs Nate whdir ®be slum etlbot rolled Iha anme4,rd t+~ m mr and ere prnrlrua,n a drr seQStq mahmrat .ad ere Hots ara exiaed m tx severable. trodt1524ae~ i5~2 05-88-'08 11:26 FB~1-Premier Abstract 7175456163 T-669 P806/008 F-139 16. Dorranr'a Lloeeower tltdl be Siren om mtfo<md eeFJ d be Nob tatd of thb hsamtert, (~ 17.7YaMhr of ~a ResNltlel Irgrttt h eereewtr. X aQ or W Pte d the L4nNaty or r7 JttDaett)o It ~ l toW ar trMdered (o[ If a Jnktal In Bcnawc 4 cold a teak+eied ad Baeowet !t sot a uM[ ~er~ MIhdY Ladr^e 1~ ~~ eO~. I.meda ettry, u Iti q~1M~ eetptles hmradste ptpoat to btt d an tsmt secured by Oils Saet~ IMamt~. Hoveru, ms optlaa tthdl sot a mrtd~td b~ latter J~ ~nLe y pn,bblxd by lbd~t 4w t1 of Il» due of 4dr ~-~.eMe aa~dtet lhb opt, ir~r e1u9 She JloapNtclplpoo d eacelMWoa~ 7Le Mdp thttl prorlde ~ pseiod olaat let Ora 30 dys ftrm dr der (s mMee Y dMwnd ~e mYW w~tmle Bmowr mt pq aR m wv~ed b~ th11 Seeaeb' laehtemem.lf Botmrar Idle s pot bate tie prier t br~,rtl~ d dte paled. I.ada erq lmols ~ reaoiedlee patNmed h etu toeamerae wlNtaat Alba aeette ordmod m~aeroatr, li. llseeew~r'a llye h 111dngs. g lanswts aces oemla emdlMos, Baeorrar ahtll bare er rtSht b Pare COlbtrtemaot d s~q~~1y ~rlnbaftat dboMliaued et n4 tltlolropPs~gr pao~tdorcedeaelQ oC (~1 J der (a IuaA oba pSt+aloaddtu. 1 a (b~e~ d^ ~da~e<~bll f~p~tpf, 7bote omtldltl~ov ~~Oadr >~eaaaoale~0pipyfo6ulmder ~I tie rhld~ men wwdd be ilea miler Nile 3aveD' Lrbsatflt nod Ar Not r U m amdeAgor 1W oeoarmd; (aT weer ddYWe d atp Omer ooraatas er ~taar (rJ P4a ~ wP~ in~rae trt eoleereq err 8xue10' ir:taeq, bid d Adbd s, reroeride eetaraels J~ w (d) slon aa~ sogm r leaismabM117 neq~iee ro +ee~ Nw mn u.a of sle 9uasip~ faMnMeao Laadery tryst to me Peopnb ,oa sonaar. to pq ma wM ,ewnN by eha ~y laebttswe Silt eoatbee. mc6eged. tipos relaYee®aN b} Jloeeeray Nee lrobmaR std the ablfptlars taartd beteb! aW emtia ~7 ee6cSre r Jf m amlenemhrt oaoaeod. Harmrer. m4 el~t m rcirue rheY m[ tppy fa Ntt enx of ttcoekralloattnda 31. I!. bus or Na s{ ~ t dies Narkx. ltae Nee or t ptrW1 taEefMt h Nr Nile Qsle~ rrlm mY SeoaeYy ]setraoeaQ arq >w aafd om ar mart tlmeo trlmoot yeloe rbtlea s RaasreaG A ails erngr rr~dt In a eLese In Nte a~tY Y des •lm SaYfcat71br W1Ng1 ~b S'awtt dramder da list tad ede Saemlq semow. 'i!"iea a1N aW'be e~ae x sass classes d Nte Late SeMtst metaled to a ask d be Nos. if eras s e~ d 1te lou Sat~lomr, lloetvwv rIN bs Stwn wvttte• sorbs d Nr ~aqo b aeeotdeme whtd ld shore nod Bv. Tie mile sHl tab Ns teas ad addeas d the trees Lean Sartnr ad ds addeael s-Cdr!"payue~s emeW tmtde. ~e men vAtt ldoo eoaWa Mf ome tofaoneoa erpird 1J sptldhta Yes. 7N.lioeav/oM Beaowrt ieN sot sense a pagN tlb laeraav 1rR 1Ypod~ s or rdeuean! lfYalduat Adrsara oa or h be leereorrr ttlfds tt10o. oor atlor aoywe des s ds. t the tYr Y b dohtlm d Itarlewrnmsl Lir. 'Drc ptaed~ tao setseaea eltiq trot e~y s ms ptaeotee. me. o[ uaipe m ma P1mab of emdl gMNtln of Hvadoe ~hetuca by ae Sweeally teoopdsod m~Ls epproprire b amtr0 taidendd Ma t realaldYOes d mo 14apsq. llanme bfl Nssplb~e~oew~ Lefler wr~q mtke d aq 1~raNpdpn, dtlat. gyp, Mweait or oma arAon h' tptp otaeerreriesal lmsalae0oe}*y8~wt~orrarla'0l~ she RoPab' and ao Hatatdooe 3aMerm Q tioricaiaoeoW Lea qli~edow ~~ m d t~ ~ ~ ar raSa~mry wmafb. ICU air rasmu ar abv etsdtttlar ds Suhesocs ~ me Ptsperry 4 eteoeratl. Homewar ahtll pmspNt she dl ~ry~rMtedbl aeNms k aoooNstce MNt Barlartoteml Lnr, pnFaPp d4 Stdtesaets' are NrM tahasaoa det[~d a teob ar Ittaedoae ett6Rasces by 13mitwmeoYl 4w ad me SIN soltdmoos poleR leaseeae, ode ffiitratbls Q sxie pwabra todc peOesNt `Patdiaao~mat ~ merr kdaeS 1a~ws a~iid Id da la~ii~e t~adbeelre toe0rliah. Ae vod bt t0 bnhJ~ ufFtf or eaadraaemtd posetlm. ~ ~e (eeaUd mat mob NON-IINQ~OFJ! OOYffi~iANTS. Ramser and Letler Aumer coeearttmd ape a fdbw: aI. Aooeleeedlas RMbSea. Lrier rtttq me nouot h Herrssv prier to aweleratlm loNOwhS Darrowv+e brreh d aq ceeanam sr a~estsrt h this Setmitf Aasrreoret Nm not prbr to seder panfapb 17 Was 1n-1troNdeo epeb'wloa). ]laedtr stem dtd sorerser d, aaro,s Omar thitt~ W Wt dtflaeltj Oil Mrt atlion n'atded !a ass rte detrdq b wbM Mr dYSati! rtret b emrTi esd id4 dear hibse a ass Ibe deAdt M epedLled sy rreslt h ttottda~os d elr amo wntvd b t11 iesrly laetreaerd, fmmio.wan b7 Jusdel proertl~ tad sate d Ub ~4F Uoder aisdl rmtYer biusm Baessar d tIn eye a ednfate alkr rasdendloa nod qr eyN is tttrl !n bs Assdesay t>roewAtS the nosdReteot o< ^ dAte>t m aq tlNr defase d Aaeewwr» aederatiat sd ferttSopse, It ut. deBtak >r d wrad M gedQt4 Iiodtt, at Aa ayilowt eery wgtdrs Ineatdsa imPmsN h At0 d a! asna trcved bl' Idle 8errsy Infevsrit wMgts tauter dwtssd asd >arb' Asaeleee Mile Soerrlly Letnnrd y Judldd pewmedlaS. l.atdae that ba aeYkd b eoNert aM aepeesaa loasrtd h Pawdn[ thr.nssdlm prorldd b Mdr paryspA 21, itte6tdtn6 tta not mnYod b, ageror,~ tea red aaeFa dltfe edittoe to the agrt PrrdMed b) eppUeaMa law. ~ 1Ndera ~ Fa7^b+d d art was sewed by mY 9enslry bsmmosb ew 8ewtlq, brbomsa rd ds arse more7d tlWl tamtiwte ad >teeonta raid. AOrr web otaaaape. ]I.attda eba! dla4arye m Nhh' Nile tlacirlry Itsattmen wltltose ettegs t Htaesrem. Jloeeoreor Sa11 pU' g4 raosdaNoa soar. ?3. Watre+e. lsensver, b be etdmt pemdttd by appLwble Jew, walvrs ad teleura ant error m debgt is proeaedtoo to mket+e dii 9coriq hrpsnesr. set lreeby eralrat Ne itreEt d aq prustt o< AMw Owe ptrrgdlnS far dIp of atteattte~, oaetsl0a dame, neapllan Nrat tt, ttry sod 44. ad Loatedd eaempattn '~.~reoWN sw mire ~ NOuN~~'~fINE JS83 05-~8-'D8 11:27 FF~OM-Premier kbstract 7175456163 T-669 PBA7/0®8 F-139 2a. Ad~anad Period Bormaiee^a thn! m n~urteee rorWed ra panpapL ~! ehv weed m one Lau poor b ~ eaumedegaaet ~ bldd~ at a dazid'a We a at6er nlc pms>ott 1o tld! Seord{y rtraneeetr. 1f. PtaeLarr Mfm794.dMM• rf any d Oe debt Herod by ~L amatty lmtnmoent k les m Botrawa m eegmtc tide m the Ptr~aly, mk 9eaedty larhtanmrt drH be a pler]ua! rttoQy - td. Itraeat Itak Ma'!rd/rnd. Boerowx Meer the dr ioeeees nk pga0re aAer a Jadpoan k eaeaed m dm Nate ur {. en aelloa of motylae beealaraer dolt tie die nee pgabl! trmt thae q tlmsva8er me Nate. 17. iadna m tlde 6eeeuMy Ittrlrtetrnt. II aos or >ooee etch! .e wmsad hY Baroeev and eroo~ded tosethes ve1~ thU ssarb Liatrasri. mo oorarmr seeodtuerernaa~ s K ~ rider(r~+ras a ~t ~~le Saattrb ~ ~ de: meurtr! and.~reoeua i~ Aghwtda ~c Aida ^ ~ad~~ HsAx r~ Ppauy xtlor erraa..ka PMpome Aida a P,.emd Gait neeaara~mt Ader ~. Seoond H ttwa Beaeor Hider D aue fmpeweaml Ater YA Rldee © ~~~'~ HY IeBIA W. Dormwr +ooePY eud Yron m the trsrr aad amarou eaatalned In thk 9ewstb' Inrtrmtent Yd In enr erda~p) aecebd bl Bmrawa end rartded whL h. wteamec /,n~ n r~ _ ~_..P sari 1 n rrtn / A ~ ~ ao~'~-A.°-asr,~to -rye. t~ ~~ ,leao.~r -m~.w. ce~tlrlda~sa E, 10.~AmoY1'41• do AeaeYY eertlly des tFe mnaet addtas ar r, dee,rlhtamredMaetp~eek 33$ S. 1hlQXt~1~11~t!'t -~,~~iC{~ IgDLID-~'1~ Wttaep ~ h.aa mk ~~YI dv ~ ~tbrraArt~- l9~ r~ AZea et ttatMir COStlNONWiALTHOlP9~fSYt.VAN1A, ~'~!^U~1 cbrntyae OnlhU. do 7ith dey a! 9.»P 199! , bePote me, the auderdpe:d oflloar, PQ71'~f' d IDI17e It. RSiafD frmara m ae (.c rauriwudi7 P~KN m be the penoa ,,,6oee,sre u utLrerlbed m ehe vdd~ra taptroaaa aodldameried)Rd est 5 Fk am.ed ma !oro 1br me ~mpo,rr perdu aaalaed. t- (i 1 W ~VitNSS4 R'EnIIt6DP, r Leeeoaeo et mY hmd erd odkld x~~~C:J UA l'14'Jj7! 7L~ MY cmrudan 8wpees: M eyerr,eta:d- ~_ `~~OxT ~, tw f VM.aAOr~ ~cy~ eM ~e,~~,»t~. ]Jo~ru ~ublit? ti ~ r n~sr~ sma>~ n!0 ,/ entNi~5241icE ~4 ~` ~5-F78-'08 11:28 FBOCYI-Premier Abstract 7175456163 T-669 P068/0~8 F-139 I,AVVYB68 TITLS WS'C18ANC6 CORPORATION NATIONAL EEADQUARTERS - RICi~fOND, VIRGINIA 8(~EQVLE A OONTIIYD6p U.S. I.iIND NO: 450~t TAY PAl#;CBL N0. 015-II90.013 and D9•LS~ST9D-0ISA ;;!''~~ ALL Y7iA3' CtiR7'A[N la, mia otLo6, pat0el, pleoe ofgmuad «eb the buudiegt tad imprwemeata thereotr erected, skuars la the ViWge of 8aat Booly F.nt pleansbao Towesllp, Csmeedand County, Peeatylvsoly bounded and deserlbed ea follow.. b aril: ~GAD'!Qd(i at a pobrt on dre «eredy llos of Aumer Shed on tba !ta dlvWirtg Ltaa Nos !0 and 11, ~^ (l, m the borebtallu nardloned Plan of lea: lheaoe 6t a sonmerly d'ueetion al0eg fluor[ Street 700 Pest b a pubs! ehrnoa la a «aueely dleeceba aterrg llsw dlvWiag Lon Noe. !z and 13, secdea D, oa tlk berr3aafler na:ntlorrd peso of ba.1d0 8rt b a li foot wills alley; tYenoe long the getern lies o[ acid alley 100 fcae b apobtt; tbenoe atoag the line dividing loo Nof. f 0 and l 1 m said Plan, 110 feet b ~ PI.dtCR aR >e>~fNt:. wing Loa 11 and 14, Sec6oa 4, to sire PLo of Westl3rdy xhleit plan ie retetded in tie Ofia of are Aa00tdac o[ i?eeda tm C~rherlaad Coueq in Plan 8001[ Z, plrgs 70. Ag tlrt certala lot ar pdoca oP food Icrncd on tba resat skis atsoaeerax Stroet, Pl.o ~ Wep gaa, gvt Pemrboro ToameLip, Grmbetland County. Peneaylvattia, aloes pattlwhdy bounded and dacrlbed v fonows, b wit: eWW~mg at s pobtt, whlrh poet Ir 183 feet maa^rod to a ewr6vrly direetloa trortr the trorthwett safest otSotmrnt Speer and Weitantebmd Rand; !hams V a rreMe[Iy Olraedon along Lot No. t1, Sealers G an tbs hereloa/ar meriiroaed Piro, a e[ 110 hart b a polar on 8e easterly Tune ot;a 13 toot alley; thgtp la ^ '4' direction ahxg aald alley 30 flat b a pMat; !beaus In ea eeaarly dkeaba alemg rbs Ilse o[ La No. 12, Sraim 0 tp ned Pia. 140 8ta b e point m We rrnterly WC at Soatenet Street; tbeaa is a totrmaety Qitnrtioa along Soaraeaet Beret !0 feet to • point, die pLoe of beglabeg. Bela; l.at No. l3, Secdoo Q on tlr Plm of Weal Endo. Sbm~lt, ej Deed Atud July I1, 1%1 rooorded oa 10~' laid, 1961 ht are Recorder of Deeday 0[4ce n aed Por Ctuabet"lsod Caataq m Dead Boot O-~0, page 318, geanad and o0nveye4 auto Wi113aat B. RUatnl wd Edith A. RNand, hie wile. ivotCois,d} 88 led tM at0a f JtM rsewdcp d Deals .~ 1ow25?4e~ l5@5 EXHIBIT `B' NOTE FEBRUARY a6 1999 HARRISSIIRG [City] Penaeylvataia (ate] 115 SOUTtt HUitER STREET, fiNOLA, Pennsylvania 17025 (Ptopttty .Address] 1. BORRO'WER'S pROIbIISE TO PA'Y Ia return for a loan that I have received, I promise to pay U. S. $ 6 ~ , 2 0 0.0 0 "prittcipal'~, Plus inures[, to the order of the Lender. The Lender is CONTIMORTGAGS CORPORATTOiN (this amount is called . I understand that the Lender may transfer this Not[. The Lender or anyone who takes this Note by transfer and who is entitled ro receive Payments under this NotC is called the "Note Holder" 2.1NTEREST Interest will be t~arged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 7.500 96. The interest rate required by this Section 2 is the tats I will pay both before a~ after any default described in Section 6(B) of this Noce. 3. PAYII~NTS (A) Time and Place of payments I will pay principal and interest by malting payments every month. I will make my monthly payments On the 3rd day of each month begins;no on At?RIL , 19 99 , I will make these payzttents every month [nail I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My monthly paymPflYC uVill be agplied t0 interest before principal. If on MARCH 3 a 02 9 , I still owl amounts nttder this Note, I will pay those amur>L*a in full on that dau, which es called the "Maturity Dare. " I will make my monthly payments at 338 S . t9ARMINSTER ROAn SAT80R0, PA 19040-3430 or at a different place if required by the Note Ilolder. ($) Amoum4 Of 14>iottthly Paytttettts MY ~r~Y PaY~ '~ be in the amount of U. S. $ 4 6 9.8 8 , 4. BORRO'WER'S RIGHT TO PREP'A'Y' **13xcept as set forth is a [rote Addendum attached hereto. I have the right to make paymerns of principal at any time before they are due. A payment of principal only is known as a "prepayment"_ When I make a prepayment, I wi11 tell the Nou Holder in writing that I am doing so I may make a full prepayment or partial prepayments a~itttotu paying any prepayme~ charge. The Nou Holder will use all of my prepayments m reduce the amount of principal that I awe under this Note. H I make a partial prepayment, these will be rm changes in the due daft or in the amount of my monthly payutetd unless the Note Holder agrtts in writing to those changes. 5. LOAN CHAIi~S If a law, which applies m this loan and which sets maximum loan cirargts, is finally interpreted so that the interest or other loan charges collected or to be collected in contutxion with this loan exceed the pexmiaed limits, Then: li) any strelr loan charge shall be reduced by the amount necessary w reduce flu charge to the permiaed limit; and (ii) arty sums already collected fivm me which exceeded permitted limits will be refunded to rot. The Not[ Holder may choose to make this rtfUnd by reducing the principal I owe under this Note or by mal~ng a direct payment to nre. If a refiutd reduces principal, the reduction will be treated as a partial prepayment. 5. BORRO'WER'S FAILURE 1`O PA'Y AS RLQiRRED (A) Late C~tar~ for Overdue Payments If the Note Bolder has not received the fall amount of any tnottthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Nou Holder. The amount of the charge will be 5.00 ~ of my overdue payment of principal and inurest I will pay this late charge promptly but only once on each late payment. B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will bt in default. (4~ Notice of Default If I am in dcfattlt, the Note Holder [tray send me a written notice telling the that if t do not pay the overdue amowrt by a certain date, the Note Holder may nx]uirt me to pay immediately the full atnaunt of principal which ]rat not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me_ (D) No 'Waiver By Not[ Holder Pvea if, at a time when I am in default, the Noce Holder does not require the to pay immra;~rp~y ]n ~]] as described above, the Note Holder will still have the tight to do so if I am in default at a later time. (!~ payment of Nate Holder's Costs and Expenses ff the Note Holder has required me [o pay irntnediattly in full as described above, the Nou Bolder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extort rut prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. G1v17`TGOI?NO'T[t~S Unless applicable law requires a different method, any mdcz that must be given to me tender this Note teill be given by delivering it Or by m 'tam it by first class mail w me at the property Address above or at a differtvt address if I give the Note Holder a entice of my different address. Any notice that must oe given t4 the Note Holder under this Note still be given by mailing it by first class mail t0 the Note Holder at the address stated in Section 3(A) above or at a differrat address if I am given a notice of that different address. 1dULTrsr'ATE Fr7CEn lr~r'H NOrH - ~=A.wtY - t7•AU/ittt_\LCt/N[L'OPDL t[lSI9S1]IGV'r 1?oiu~ 32001lJSt /~ 7~ 1 J: >n~ '?C Wfl~®SA ©w3/.o1 vwa MP127a~c.E r+oRDfs-i9uy3,.Sioo-!mays?. n9t x:.:.~..(3/ ltoieood ~d6t=tt soots ~~N etlsivtvll «~~ $. OBLdCYAT10NS Op` PERSONS T71`"bEZt TITS NOTE If'tnor,e than one person signs this Note, each person is fttlly and personally obligated m keep all of the promises made in rhls Note, including the promise to pay the full atriottnt owed. Any person who is a gpatanw~ surety or endorser of tlt~ Note is also obligated W do these things. Any person who takes over these obligations, including the obligaions of a guarantor, surety or et+dotser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enfolre its rights under this Noce against each person individually or against all of us together. Tltis means that any one of us may be required to pay all of the amounts owed under this Note- 9. aVAT4'ER.S I and any other person who has obligaaons under this Noce waive the rights of presenirnent and notice of dishonor. "Presentment" means the right to requite the Nott Holder to demand payotent of amounts due. "Notice of dishonor" means the right to require the Note Eloldet to give notice to other persons that amorous due have not been paid. 10. UNTbbRM SECCTRED NOTE This Note is a uniform instrument with limited variations in some jurisdictions- III addition Go the protections given to the Note Holder tinder this Note, a Mortgage, l]eed of Trust or Security heed (the "Security Instlirtnent j, dated the same date as this Notc, protects the Note Holder !"tom possible losses whiclt might result if l do not keep the gromises which i make in this Note. That Security Instrument describes how and under what eo~itioas l may be requited to make immediate payment in full of all amounts T owe under lira Note. Some of chose conditions arc described as follows: Transfer of the Property or a Betteticial Ittterest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person} without Lender'S prior varittea consent, Lender may, at its option, require ittunediate payment in full of all stuns secured by this Security Insttutnent. However, this option shall root be exercised by Lender if e7cercise is prohibited by federal law as of the date of this Security Incrn,mmr If Lezbder exercises this option, Lender shall givC Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Insatanent. if Borrower fails to pay chest sums prior to the expiration of this period, Tender may invoke any remedies pemtitted by this Security InSttvtoent without further notice or demand on Borrower. WTl'NESS Tl~ 1'-IAND(S) ANb SH.AI.(S) OP THE UNbERSIGNED. ~,~~~~-~-~~~~n (sue) ®ITR A. RILAIQCI _~ryR.q~ S$Tj: 208-24-1319 SSN: SSN. SSN: -Burrower (Seal) -EO[rOR'eI' 1~) 'HOr[9WPl (.Sffm Original Oaty) • .~:> IRIS? (-:0'•T!~3n~ Ct i3!tiClf;2 i+~.= .. w ti?te °COfsnD and St„V:ung 4nrNarnot;: r~iPSS ,. °~a,;ferni>Et 1, !~89, 3ear 5ieatrs fisset Dace: ::ea:titi?s, lnc. Asst-;3ac~d v2Rrlt~s. ~P.ttzS ,gam-:. v~iiTliC:l ~ :~C`ili2SE CG~LT~;J~CR+Gf,"~ C~ SCR TiON l r r ,. lbO~DOd ud6l'Zl BOOT 9 ~eW Elt9LVr,-tL xt:3 PREPAYMENT PENALTY NOTE ADDENDUM For a valuable consideration, receipt of which is hereby acknowledged the undersigned agree that certain Promissory Note of even date to which this Addendum is attached, sha0 be subject to the following provisions, notwithstanding any provisions to the contrary contained in said promissory note or the Truthan-Lending alselosure, Deed of Trust, Mortgage, Real Estate Mortgage, Security heed (Security instrument} securing same. This Addendum is attached to and made a part of that certain Promissory Note given by F.>aITH A. RILAND CONTIMORTGAGE CORPORATION {Borrower] to (Lender], dated February 26th, 1999 .which (Vote is in the principal amount of 3 67, 200.00 PREPAYMENT PENALTY After three (3] full years from the date hereof, maker may pre-pony in whole or m pare without penalty, the then outstanding principal balance. [n the event mak®r prepays any portion of the outstanding princtpai balance and accrued interest during the first three {~} years from the date hereof, maker sha[[ pay in addition to such prepayment a penalty in an amount equal to s percentage of the principal portion of the amount so pre-paid in accordance with the following: [f paid during thg Ernst year from fire date hereof, TStiSS pexcent 13 .000 ~/a) of tfie portion of such prepayment equal to the principal amount so prepaid. [f paid during the second year from the date hereof, T>~LE>3perCent (3 .000 %} of the portion of sud+ prepayment equal to the principal amount sa prepaid. If paid during the third year from the date hereof, q.Aggg percent {3 - 0 0 0 %) of the portion of such prepayment equal to tha principal amount so prepaid. Hoiden shall apply any prepayment first to reduce any interest and chbrges owing at the time of such prepayment and than to reduce the amount of principal owed under this Note, provided that such 6atance shall be applied to the principal in reverse order of the due date of each payment and shall riot otherwEse affect or delay the due date of the next payment under the Note. ~~~-~- Borrawer I'1"!3 A. RYLA~ID Date Borrower Date Borrower Date Borrower Date E lZ0l500d WdsZ~tl. aooa s ~sW Ell9LVlVlt xej EXHIBIT `C' . (Rev. 9/2008) ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date: May 19, 2010 CINDY HOKE, AS ADMINISTRATOR OF THE CINDY HOKE, AS ADMINISTRATOR OF THE ESTATE OF EDITH A. RILAND, DECEASED ESTATE OF EDITH A. RILAND, DECEASED 784 LANCASTER AVENUE 115 SOUTH HUMER STREET ENOLA, PA 17025 ENOLA, PA 17025 CINDY HOKE, AS ADMINISTRATOR OF THE ESTATE OF EDITH A. RILAND, DECEASED 149 S. ENOLA DRIVE ENOLA, PA 17025 Tl,.is is an official notice that the mortga eon your home is in default and the lender :mends to foreclose Specific information about the nature of the default is provided in the attached Qages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (I~MAP~ may be able to help to save your home. This Notice explains how the program works To see if IiEMAP 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 servingyouur County are listed at the end of this Notice. If you have any questions you may call the Pennsylvania Housing Finance A ency 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 ezplain it. You may also want to contact an attorney in your area. The local bar association may be able to help you fmd a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDTNIIR SU HIPUTECA. Certified ~_~ Ar ~ ticle ~ Num ~ ber ,, SENDE RS RE COR D Certified -~ - Ar ~ ticle ~ Num ~ ber SENDE RS RE COR D Certified -~ Ar ~ ticle ~ Num ~ ber SENDE RS RE COR D HOMEOWNER'S NAME(S): WILLIAM E. RILAND, DECEASED AND EDITH A. RILAND, DECEASED PROPERTY ADDRESS: 115 OUTH HUMER STREET, ENOLA, PA 17025 LOAN ACCOUNT NUMBER: ORIGINAL LENDER: CONTIMORTGAGE CORP. CURRENT LENDER/SERVICER: EMC MORTGAGE CORPORATION ATTORNEY- IN FACT FOR BANKERS TRUST COMPANY OF CALIFORNIA, N.A., AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF SEPTEMBER 1,1999, BEAR STEARNS ASSET BACKED SECURITIES, INC., ASSET BACKED CERTIFICATES, SERIES 1999-2 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIIZCUMSTANCES 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 aze 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 azrange 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 THIRTY- THREE (331 DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counselins agencies for the county m which the property is located aze 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 for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILEA HEMAP APPLICATIONAS SOONAS POSSIBLE. IF YOU HAVE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMAR%DATE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORA.RILYPREVENTED FROMSTARTINGA FORECLOSUREAGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE': YOUHAVE THE RIGHT TO FILEA HEMAPAPPLICATIONEVENBEYOND THESE TIME PERIODS. A LATEAPPLICATION WILL NOT PREVENT THE LENDER FROMSTARTING A FORECLOSUREACTION,BDT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED 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: 115 SOUTH HUMER STREET, ENOLA, PA 17025 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 from 5/8/09 through 5/8/10 in the amount of $592.65 per month: Monthly Payments Plus Late Charges Accrued: $8,150.76 (Suspense) ($0.00) TOTAL AMOUNT TO CURE DEFAULT $8,150.76 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 $8,150.76, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH MAY 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: SP-Loss Mitigation Cash-CA, EMC Mortgage Corporation, 1833 Alton Parkway, Floor Ol, Irvine, CA 92606. Contact: Patricia Oliver You can cure any other default by taking the following action within THIlZTY (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 YOUR 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 the 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 (301 DAY period. you will not be required to pav 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 uQtone hour before the Sheriff s Sale. You may do so by paying t,~he total amount then past due, plus anv 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 anv 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 NINE (9) months from the date of this Notice. A notice of the actual date of the Sheriff s sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may fmd out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER - SP-Loss Mitigation Cash -CA EMC Mortgage Corporation 1833 Alton Parkway, Floor 01 Irvine, CA 92606 Contact: Patricia Oliver Tel.: 1-949-812-3330 EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You _ may or XX may not 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 MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIl1~S IN ANY CALENDAR YEAR). • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Very truly yours, Gregory ,~avarcfian LAW OFFICES OF GREGORY JAVARDIAN ATTORNEY FOR LENDER CC: PENNSYLVANIA HOUSING FINANCE AGENCY -VIA EMAIL - Act91 n,Qhfa.org IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEII'T OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIl'T OF THIS PLEADING, COUNSEL FOR PLAII~TTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIItE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WI THIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER., IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. CUMBERLAND COUNTY 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 Capital 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 An im}~ortant message from ttie Feder°al Trade Commission Facing foreclosure? Scammers are targeting people having trouble paying their mortgages. Some claim to be able to "rescue" homeowners from foreclosures, while others promise loan modifications - for a fee. The Federal Trade Commission, the nation's consumer protection agency, wants you to know how to avoid scams that could make your housing situation go from bad to worse. Don't Get Hit by a Pitch. "We can stop your foreclosure!" "97% success rate!" "Guaranteed to save your home!" These kinds of claims are the tell-tale signs of a foreclosure rip-off. Steer clear of anyone who offers an easy out. Don't Pay for a Promise. Don't pay any business, organization, or person who promises to prevent foreclosure or get you a new mortgage. These so-called "foreclosure rescue companies" claim they can help save your home, but they're out to make a quick buck. Some may request hefty fees in advance -and then stop returning your calls. Others may string you along before disclosing their charges. Cut off all dealings if someone insists on a fee. Send Payments Directly. Some scammers offer to handle financial arrangements for you, but then just pocket your payment. Send your mortgage payments ONLY to your mortgage servicer. Don't Pay for a Second Opinion. Have you applied for a loan modification and been turned down? Never pay fora "second opinion." Imitations =Frustrations. Some con artists use names, phone numbers, and websites to make it look like they're part of the government. If you want to contact a government agency, type the web address directly into your browser and lookup any address you aren't sure about. Use phone numbers listed on agency websites or in other reliable sources, like the Blue Pages in your phone directory. Don't click on links or open any attachments in unexpected emails. Talk to aHUD-Certified Counseling Agency -For Free. If you're having trouble paying your mortgage or you've already gotten a delinquency notice, free help is a phone call away. Call 1-888-995 -HOPE for free personalized advice from housing counseling agencies certified by the U.S. Department of Housing and Urban Development (HUD). This national hotline - open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. For free guidance online, visit www.hupenow.cum. For free information on the President's plan to help homeowners, visit www.malanghomeaffordable.gav. l~F ~~t Federal Trade Commission '~~ ftc.govJMoneyMatters Call 1 ~8~8~99~~H0~~ for free personalized guidance from housing counseling agencies certified by the U.S. Department ~of Housing and Urban Development. The Homeowner's HOPETM Hotline -open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW .A lliance of mortgage indushy members anal HUD-certified counseling agencies. Or visit vvvvvhopenecorr~ For free information on the President's plan to help homeowners, visit .r~akAnhornfforl~,ov ,~ art'=netcz HOPENOW Support & Guidance For Homeowners H ® SM MAKI[~IC~ HOME AFFORDABLE.cov a VERIFICATION I, Gregory Javardian, attorney for Plaintiff, verify that all statements of fact in the foregoing are based on representations and documents of my client, and that such are true and correct to the best of my information and belief. I further verify that I was unable to obtain my client's written verification prior to the filing of the foregoing pleading, but intend to obtain such verification and substitute it for my own herein in due course. I make this verification subject to the penalties of I8 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. Date ~ p egory J v di ,Esquire Attorney for P 'tiff LAW OFFICES OI BY: GREGORY JE ID# 55669 1310 INDUSTRIAL SUITE 101 SOUTHAMPTON, (215) 942-9690 Attorney for Plainti GREGORY JAVARDIAN VARDIAN BOULEVARD A 18966 EMC MORTGAGE CORPORAITON, ATTORNEY-IN-F CT FOR DEUTSCHE BANK NATIONA TRUST COMPANY AS TRUSTEE, F A BANKERS TRUST COMPANY OF C IFORNIA, N.A., AS TRUSTEE UNDER THE POOLING AND SERVICING AG EMENT DATED SEPTEMBER 1, 19 9, BEAR STEARNS ASSET BACKED ECURITIES, INC., ASSET BACKED ERTIFICATES, SERIES 1999-2 vs. CINDY HOKE, AS XECUTRIX OF THE ESTATE OF DITH A. RILAND, DECEASED Defe dant ~~ it n ,.~r '~W~~I 2010 ,~~?! 19 f - 3~ C~i~~r? -~ ~ ; i..~~TY r.=.. f'~1~4!re'dj'T ~.~v~i `4ir. COURT OF COMMON PLEAS CUMBERLAND COUNTY No. 10-4506 CIVIL TERM 'IPE TO SUBSTITUTE VERIFICATION TO PLAINTIFF'S COMPLAINT TO THE Kindly the plaintiff s OTARY: the verification that was attached to the Complaint for that of verification, as it relates to the above-referenced matter. Respectfully submitted, - .. Gre ry J dian, ire A rney for Plainti .• They pleading are true and c undersigned understar Pa.C.S. Section 4904, VERIFICATION hereby states that the statements made in the foregoing to the best of his/her knowledge, information and belief. The that the statements therein are made subject to the penalties of 18 to unsworn falsification to authorities. EMC Mortgage Corporation, Attorney- in-fact for Deutsche Bank National trust Company as Trustee, f/k/a Bankers Trust Company of California, N.A., as Trustee under the Pooling and Servicing Agreement dated September 1, 1999, Bear Stearns Asset Backed Securities, Inc., Asset Backed Certificates, Series 1999-2 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~,,~ttitq ct umbp~~~~ .,~;. ~FFEt~ Qf * ~@ &~ERil;E EMC Mortgage Corporation vs. Cindy Hoke SHERIFF'S RETURN OF SERVICE 07/16/2010 05:20 PM -Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on July 16 2010 at 1720 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Cindy Hoke, as Executrix of the Estate of Edith A. Riland, Deceased, by making known unto Wilma Baker, Sister of defendant at 115 S. Humer Street, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to h e onally said true and correct copy of the same. ''~ DEPUTY SHERIFF COST: $41.50 July 19, 2010 SO ANSWERS, ~~-~~ RON R ANDERSON, SHERIFF 7~ ~..~ 4 ,e, ~ O ~~ _: ~-.- f7 C'" G^ l`R 1+ ~ 1 O~e,._ J ..u ~ ~ C~~ O O /• :; -d ~_ ~- rr (cj CountySuite Sheriff. Teleosoft, Inc. KML LAW GROUP,P.C. 116765FC Suite 5000 CF: 07/08/2010 BNY Mellon Independence Center SD: 06/05/2013 701 Market Street $68,779.81 Philadelphia,PA 19106-1532 215-627-1322 Attorney for Plaintiff Deutsche Bank National Trust Company as Trustee, IN THE COURT OF COMMON PLEAS FKA Bankers Trust Company of California,N.A., as Trustee under the Pooling and Servicing Agreement of Cumberland County dated September 1, 1999,Bear Stearns Asset Backed Securities, Inc.,Asset Backed Certificates, Series CIVIL ACTION—LAW 1999-2 3415 Vision Drive ACTION OF MORTGAGE FORECLOSURE Columbus, OH 43219 Plaintiff Term. vs. No. 2010-04506 CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND, DECEASED Mortgagor(s)and mom' M:._. Record Owner(s) ' C 115 South Humer Street r Enola,PA 17025 : =F' Defendant(s) =G w CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P.3129.2 (c)(2) Robert Murray,an employee of KML Law Group,P.C., counsel of Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: (X) Personal Service by the Sheriffs Office/competent adult(copy of return attached). ( ) Certified mail by KML Law Group,P.C. (original green Postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by KML Law Group,P.C.to Attorney for Defendant(s)of record(proof of mailing attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s)(proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s)of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER. ( ) Premises was posted by Sheriffs Office/competent adult(copy of return attached). ( ) Certified Mail&ordinary mail by Sheriffs Office(copy of return attached). ( ) Certified Mail&ordinary mail by KML Law Group,P.C. (original receipt(s)for Certified Mail attached). ( ) Published in accordance with court order(copy of publication attached). Pursuant to the Affidavit under Rule 3129(copy attached), service on all lienholders(if any)has been made by ordinary mail KML Law Group,P.C. (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 Pa. C.S.A. Section 4904. Respectfully submitted, ---�a- '1'6��facz BY: Ro t M ay Legal Assista Name and Address of Sender Check type of mail or service: ., - Affix Stamp Here H issued as a SUITE 5 00 ❑Certified ❑ Recorded Delivery(International) (if of mailing, - SUITE 5000 ❑COD ❑ Registered or for additional copies 701 MARKET STREET ❑ Delivery Conflnnatlon ❑ Return Receipt for Merchandise of this bill) PHILADELPHIA,PA ❑Express Mail. ❑Signature Confirmation Postmark and 19106-1532 ❑ Insured Date of Rene Handling Article Number Addressee(Name Street,City,State,&ZIP Coda) Postage Fee Chace Actual Value insured '>..s�o- RD RR Ch it Reoistered Fee Fee 1• EAST PENNSBORO TOWNSHIP ACCU$75251 C MORTGAGE CORP ` 98 S.Enola Drive 12377 rit Drive, 600 Enola,PA 17025 P.O.B09089 Dallas, 2' 00 COUNTY j >oN .% PO Box 320 COMMONWEALTH OF PEN SYLVANI Ft N Carlisle,PA 17013 DEPAR MENT O REVEN E.INHERITANCE m t TAX DI ISION 3. PA DEPARTMENT OF PUBLIC WELFARE- 1131 St wberry Square U Bureau of Child Support Enforcement 6th Floo >�r N, Health and Welfare Bldg.-Room 432 Harrisburg,PA 171 8 0 nn ' P.O.Box 2675 N� 4. PROCE URES B 1 o ANCH m � 1001 L' erty Aven ,t Thirteen h Floor,S ite 1300 Pittsbur h,PA 15 AT/ 5' DEPARTMENT O .PUBLIC ELFARE ��SP o ESTATE RECOVERY PROG RAM P P.O.Box 8486,W it ow Oak E uilding u 6. w TENAN S/OCCUP NTS Si P 115 South Humer Street (q DE PN1p Enola,PA 17025 7. 8. Total Number of Pieces Total Number of Pieces P master,Per ame of receiving employee) uatsd by sender . Received at Post Office See Privacy Act Statement on Reverse PS Form 3877,February 2002(Page 1 of 1). Complete by Typewriter,Ink,or Ball Point Pen _ 116765FC Cumberland County Sale D :06/ 5/2013 n CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND.DECEASED f V KML LAW GROUP,P.C. Suite 5000—BNY Mellon Independence Center 701 Market Street Philadelphia,PA 19106 215-825-6320 Attorney for Plaintiff Deutsche Bank National Trust Company as Trustee, IN THE COURT OF COMMON PLEAS FKA Bankers Trust Company of California,N.A.,as Trustee under the Pooling and Servicing Agreement of Cumberland County dated September 1, 1999,Bear Stearns Asset Backed Securities,Inc.,Asset Backed Certificates, Series 1999-2 CIVIL ACTION-LAW 3415 Vision Drive Columbus,OH 43219 Plaintiff ACTION OF MORTGAGE FORECLOSURE vs. Term No. 2010-04506 CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED Mortgagor(s)and Record Owner(s) 115 South Humer Street Enola,PA 17025 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 Deutsche Bank National Trust Company as Trustee,FKA Bankers Trust Company of California,N.A.,as Trustee under the Pooling and Servicing Agreement dated September 1, 1999,Bear Stearns Asset Backed Securities, Inc.,Asset Backed Certificates, Series 1999-2,Plaintiff in the above action, by and through an authorized employee of its attorneys,KML Law Group,P.C., sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 115 South Humer Street Enola, PA 17025 1.Name and address of Owner(s)or Reputed Owner(s): CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND,DECEASED 115 South Humer Street Enola,PA 17025 2.Name and address of Defendant(s)in the judgment: CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED 115 South Humer Street Enola,PA 17025 3.Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: EAST PENNSBORO TOWNSHIP 98 S. Enola Drive Enola,PA 17025 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle,PA 17013 PA DEPARTMENT OF PUBLIC WELFARE Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O.Box 2675 Harrisburg,PA 17105-2675 4.Name and address of the last recorded holder of every mortgage of record: ACCUBANC MORTGAGE CORP 12377 Merit Drive, #600 P.O. Box 809089 Dallas,TX 75251 5.Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6.Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 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. COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION 1131 Strawberry Square 6th Floor Harrisburg,PA 17128 INTERNAL REVENUE SERVICE SPECIAL PROCEDURES BRANCH 1001 Liberty Avenue Thirteenth Floor, Suite 1300 Pittsburgh,PA 15222 DEPARTMENT OF PUBLIC WELFARE ESTATE RECOVERY PROGRAM P.O. Box 8486, Willow Oak Building - Harrisburg,PA 17105-8486 TENANTS/OCCUPANTS 115 South Humer Street Enola,PA 1.7025 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 unsworn falsification to authorities. DATED: May 9, 2013 KNfL La ou ,P.C. BY: Robert ay Legal Assistant SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FlED-ou Sheriff OF THir Jody S Smith Chief Deputy 4�, 2013 AUG 21 AM 9: 5 7 4 1, Richard W Stewart Solicitor OFFICE OF THE SRERIFF CUMBERLAND COUNTY PENNSYLVANIA EMC Mortgage Corporation vs. Case Number Cindy Hoke 2010-4506 SHERIFF'S RETURN OF SERVICE 04/03/2013 10:12 AM-Deputy Shawn Harrison, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 115 S. Humer Street, East Pennsboro Township, Enola, PA 17025, Cumberland County. 04/03/2013 10:12 AM-Deputy Shawn Harrison, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be WILLIAM HOKE-SON, who accepted as"Adult Person in Charge"for Cindy Hoke at 115 S. Humer Street, East Pennsboro Township, Enola, PA 17025, Cumberland County. 06/05/2013 Ronny R.Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA on June 5, 2013 at 10:00 a.m. He sold the same for the sum of$1.00 to Attorney Joseph Schalk, on behalf of Deutsche Bank National Trust Company as Trustee, F/K/A Bankers Trust Company of California, N.A., as Trustee for Asset Backed Certificates, Series 1999-2, being the buyer in this execution, paid to the Sheriff the sum of SHERIFF COST: $1,355.34 SO ANSWERS, July 01,2013 RbNNrY' R ANDERSON, SHERIFF wi?-690 (c)CounlySuiter Sheriff,Teleosoft,Inc. KML Law Group,P.C. Suite 5000—BNY Independence Center 701 Market Street Philadelphia,PA 19106-1532 215-627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE,FKA BANKERS TRUST COMPANY OF IN THE COURT OF COMMON PLEAS CALIFORNIA,N.A.,AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, of Cumberland Count 1999,BEAR STEARNS ASSET BACKED SECURITIES,INC., y ASSET BACKED CERTIFICATES,SERIES 1999-2 3415 VISION DRIVE COLUMBUS,OH 43219 CIVIL ACTION-LAW Plaintiff vs. CINDY HOKE AS EXECUTRIX OF THE ESTATE ACTION OF MORTGAGE FORECLOSURE OF EDITH A.RILAND,DECEASED (Mortgagor(s) and Record Owner(s)) 115 South Humer Street _ No. 2010-04506 Enola,PA 17025 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE,FKA BANKERS TRUST COMPANY OF CALIFORNIA,N.A.,AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, 1999,BEAR STEARNS ASSET BACKED SECURITIES,INC.,ASSET BACKED CERTIFICATES,SERIES 1999-2, Plaintiff in the above action,by counsel,KML Law Group,P.C.,sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 115 South Humer Street Enola,-PA 17025 1.Name and address of Owner(s)or Reputed Owner(s): CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED 115 South Humer Street Enola,PA 17025 2.Name and address of Defendant(s)in the judgment: CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED 115 South Humer Street Enola,PA 17025 3.Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: EAST PENNSBORO TOWNSHIP 98 S.Enola Drive Enola,PA 17025 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle,PA 17013 � i o PA DEPARTMENT OF PUBLIC WELFARE-Bureau of Child Support Enforcement Health and Welfare Bldg.-Room 432 P.O.Box 2675 Harrisburg,PA 17105-2675 4.Name and address of the last recorded holder of every mortgage of record: ACCUBANC MORTGAGE CORP 12377 Merit Drive,#600 P.O.Box 809089 Dallas,TX 75251 5.Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6.Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 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. COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION 1131 Strawberry Square 6th Floor Harrisburg,PA 17128 INTERNAL REVENUE SERVICE-SPECIAL PROCEDURES BRANCH 1001 Liberty Avenue Thirteenth Floor,Suite 1300 Pittsburgh,PA 15222 DEPARTMENT OF PUBLIC WELFARE ESTATE RECOVERY PROGRAM P.O.Box 8486,Willow Oak Building Harrisburg,PA 17105-8486 TENANTS/OCCUPANTS 115 South Humer Street Enola,PA 17025 I verify that the statements made in this affidavit are true and correct to the best of my information and belief.I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to autho ties. DATED: By: KML LA GROUP,P.C. Micha 1 M eever Pa. ID 56129 Jay E.Kivitz Pa.ID 26769 Lisa Lee Pa.ID 78020 Kristina Murtha Pa.ID 61858 David Fein Pa.ID 82628 Thomas Puleo Pa.ID 27615 Joshua I.Goldman Pa.205047 7i11 P.Jenkins Pa.ID 306588 Attorneys for Plaintiff 2010-04506 KML Law Group,P.C. Suite 5000-BNY Independence Center 701 Market Street Philadelphia,PA 19106 (215)627-1322 Attorney for Plaintiff DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE,FKA BANKERS TRUST COMPANY OF IN THE COURT OF COMMON PLEAS CALIFORNIA,N.A.,AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, of Cumberland County 1999,BEAR STEARNS ASSET BACKED SECURITIES,INC., ASSET BACKED CERTIFICATES,SERIES 1999-2 3415 VISION DRIVE CIVIL ACTION-LAW COLUMBUS,OH 43219 Plaintiff ACTION OF MORTGAGE FORECLOSURE vs. CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED Docket No. 2010-04506 Mortgagor(s)and Record Owner(s) 115 South Humer Street Enola,PA }7025 Defendant(s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT.THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: CINDY HOKE,AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND, DECEASED 115 South Burner Street Enola,PA 17025 Your house at 115 South Humer Street,Enola,PA 17025 is scheduled to be sold at Sheriffs Sale on Wednesday,June 05,2013,at 10:00 AM,in Commissioners Hearing Rm.2nd FL Courthouse to enforce the court judgment of$68,779.81 obtained by Deutsche Bank National Trust Company as Trustee,FKA Bankers Trust Company of California,N.A.,as Trustee under the Pooling and Servicing Agreement dated September 1, 1999,Bear Steams Asset Backed Securities,Inc.,Asset Backed Certificates,Series 1999-2 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff s Sale you must take immediate action: * 2010-04506 1. The sale will be cancelled if you pay to Deutsche Bank National Trust Company as Trustee,FKA Bankers Trust Company of California,N.A.,as Trustee under the Pooling and Servicing Agreement dated September 1,1999,Bear Steams Asset Backed Securities,Inc.,Asset Backed Certificates,Series 1999-2,the back payments,late charges,costs and reasonable attorney's fees due.To find out bow much you must pay call our office at 215-825-6329 or 1-866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment,if the judgment was improperly entered.You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. 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 below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped,your property will be sold to the highest bidder.You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff,you will remain the owner of the property as if the sale never happened_ 5. You have 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. 6. You may be entitled to a share of the money which was paid for your house.A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty(30)days from the date of the Sheriffs Sale.This schedule will state who will be receiving that money.The money will be paid out in accordance with this schedule unless exceptions(reasons why the proposed distribution is wrong)are filed with the Sheriff within ten(10)days after the schedule of distribution is filed. 7. You may also have other rights and defenses,or ways of getting your house back,if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: hM://www.philadelpbiafed.orgjforeclosure/ 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 BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle,PA 17013 717-243-9400 t ' 2010-04506 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender(and our client)has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717-243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website hllp://www.Dhfa.org/consumers/homeowners/real.awx. 5). Call the Plaintiff(your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout/Home Retention Package. Call our toll free number at 1-866413-2311 or via email at homeretentionQKmllawaroLip.com.com. Call Seth at 215-825-6329 or fax 215-825- 6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 116765FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. TAX PARCEL NO. 09-15-1290-045 and 09-15-1290-045A ALL THAT CERTAIN lot,tract of land, parcel, piece of ground with the buildings and improvements thereon erected,situate in the Village of East Enola, East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows,to wit: BEGINNING at a point on the westerly line of Humer Street on the line dividing Lots Nos. 10 and 11, Section G, on the hereinafter mentioned Plan of Lots;thence in a southerly direction along Humer Street 100 feet to a point;thence in a westerly direction along line dividing Lots Nos. 12 and 13,Section G,on the hereinafter mentioned Plan of Lots, 140 feet to a 15 foot wide alley;thence along the eastern line of said alley 100 feet to a point;thence along the line dividing Lots Nos. 10 and 11 on said Plan, 140 feet to THE PLACE OF BEGINNING BEING Lots 11 and 12,Section G, in the Plan of West Enola, which Plan is recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 2, Page 70. ALL THAT CERTAIN lot or piece of land located on the west side of Somerset Street, Plan of West Enola, East Pennsboro Township,Cumberland County, Pennsylvania, more particularly bounded and described as follows,to wit: BEGINNING at a point,which point is 185 feet measured in a northerly direction from the northwest comer of Somerset Street and Westmoreland Road;thence in a westerly direction along Lot No. 14, Section G on the hereinafter mentioned Plan, a distance of 140 feet to a point on the easterly line of a 15 foot alley;thence in a northerly direction along said alley 50 feet to a point;thence in an easterly direction along the line of lot No. 12,Section G on said Plan, 140 feet to a point on the westerly line of Somerset Street;thence in a southerly direction along Somerset Street, 50 feet to a point,the place of BEGINNING. BEING Lot No. 13, Section G on the Plan of West Enola. IMPROVEMENTS consist of a residential dwelling. MUNICIPALITY EAST PENNSBORO TOWNSHIP BEING PREMISES: 115 South Humer Street, Enola PA 17025 SOLD as the property of CINDY HOKE,AS EXECUTRIX OF THE ESTATE OF EDITH A. RILAND, DECEASED TAX PARCEL NO. 09-15-1290-045 and 09-15-1290-045A WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 10-4506 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,FKA BANKERS TRUST COMPANY OF CALIFORNIA NA AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED SEPTEMBER 1, 1999,BEAR STEARNS ASSET BACKED SECURITIES,INC.,ASSET BACKED CERTIFICATES,SERIES 1999-2 Plaintiff(s) From CINDY HOKE AS EXECUTRIX OF THE ESTATE OF EDITH A.RILAND,DECEASED (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 GARNISHEES)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: $68,779.81 L.L.: $.50 Interest from 8/24/2010 to Date of Sale per diem at$11.96 Atty's Comm: Due Prothy: $2.25 Atty Paid: $176.00 Other Costs: Plaintiff Paid: Date: 2/1/2013 David D. Buell,Prothonota (Seal) Deputy REQUESTING PARTY: Name: JILL P.JENKINS,ESQUIRE Address: KML LAW GROUP,P.C. SUITE 5000-BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA,PA 19106-1532 Attorney for: PLAINTIFF TWRUE COP`'FROM RECORD Telephone:215-627-1322 11,Testimony whereof'i here unto set my and the seal°f said Court t Garlisie,Pa... 20 T_is•_ I -day°f' Prothonotary On March 12, 2013 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, PA, Known and numbered as, 115 South Humer Street, Enola, Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 12, 2013 By: Real Estate Coordinator. 10 :01 t ' CUMBERLAND LAW JOURNAL Writ No. 2010-4506 Civil a distance of 140 feet to a point on the easterly line of a 15 foot alley; EMC MORTGAGE CORPORATION thence in a northerly direction along vs. said alley 50 feet to a point; thence CINDY HOKE m an easterly direction along the line of lot No. 12,Section G on said Plan, Atty.:Jill Jenkins 140 feet to a point on the westerly TAX PARCEL NO. 09-15-1290- line of Somerset Street; thence in a 045 and 09-15-1290-045A. southerly direction along Somerset ALL THAT CERTAIN lot, tract of Street, 50 feet to a point, the place Iand,parcel,piece of ground with the of BEGINNING. buildings and improvements thereon BEING Lot No. 13, Section G on erected,situate in the Village of East the Plan of West Enola. Enola, East Pennsboro Township, IMPROVEMENTS consist of a Cumberland County, Pennsylvania, residential dwelling. bounded and described as follows, MUNICIPALITY EAST PENNS- to wit: BORO TOWNSHIP. BEGINNING at a point on the BEING PREMISES: 115 South westerly line of Humer Street on Humer Street,Enola PA 17025. the line dividing Lots Nos. 10 and SOLD as the property of CINDY 11, Section G, on the hereinafter HOKE, AS EXECUTRIX OF THE mentioned Plan of Lots; thence in ESTATE OF EDITH A. RILAND, DE- a southerly direction along Humer CEASED. Street 100 feet to a point; thence in TAX PARCEL NO. 09-15-1290- a westerly direction along line divid- 045 and 09-15-1290-045A. ing Lots Nos. 12 and 13, Section G, on the hereinafter mentioned Plan of Lots, 140 feet to a 15 foot wide alley; thence along the eastern line of said alley 100 feet to a point;thence along the line dividing Lots Nos. 10 and 11 on said Plan, 140 feet to THE PLACE OF BEGINNING. BEING Lots 11 and 12, Section G, in the Plan of West Enola,which Plan is recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 2,Page 70. ALL THAT CERTAIN lot or piece of land located on the west side of Somerset Street,Plan of West Enola, East Pennsboro Township,Cumber- land County, Pennsylvania, more particularly bounded and described as follows,to wit: BEGINNING at a point, which point is 185 feet measured in a north- erly direction from the northwest comer of Somerset Street and West- moreland Road;thence in a westerly direction along Lot No. 14,Section G on the hereinafter mentioned Plan, 42 L Ft 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 12,April 19 and April 26,2013 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. Li A Marie Coyne ditor SWORN TO AND SUBSCRIBED before me this 26 day of April. 2013 �Notary NOTARIAL SEAL DEBORAH A otary Public 'DTARIAL SEAL DEBORAH A COLLINS CO LINS Notary P IN a=ub 0 c CUMBERLAND COUNTY CARLISLE BOROUGH,CUMBERLAND COUNTY 2014 My commission Expires Apr 28,2014 The Patriot-News Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Now you know inquiries -717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Marianne Miller, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania,with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds it - - jD—mhin in Miscellaneous Book"M", Volume 14, Page 317. 2010-4506 Civil EMC MORTGAGE CORPORATION This ad ran on the date(s)shown below: VS. CINDY HOKE 04/16/13 AttY* Jill Jenkins f 04/23/13 TAX PARCEL NO.09-15-1290495 and 09. 15-1290-045A 04130/13 ALL THAT CERTAIN lot,tract of land, C parcel,piece of ground with the buildings n and improvements thereon erected, . . . . . . . . . . . . . • . . . . . . . . . C situate in the Village of East Enola,East eeelA PermsbOri)Township,Cumberland County, Pennsylvania, bounded and described as follows,to wit: Sworn to and subscribed before me this 13 day of May, 2013 A.D. BEGINNING at a point on the westerly line of Humer Street on the line dividing Lots Nos. 10 and 11, Section,G, on the (4� hereinafter mentioned Plan of Lots;thence Public in a southerly direction along Humer Street 100 feet to a point;thence in a westerly direction along line dividing Lots Nos, 12 and 13,Section G,on the hereinafter mentioned Plan Of Lots, 140 feet to a 15 0 DMMONVVEAL1-K OF PENNSYLVANIA foot wide alter, thence along the eastern - al Seal line of said alley 100 feet to e point;thence violly Lynn Warfel,Notary Public: along the line dividing Lots Nos,10 and I I washington TWP-,Dauphin County on said Plan,140 feet to THE PLACE OF Expires Dec.12,2016 BEGINNING My COMMISSIon ON of NOTA ES BEING Lots 11 and 12,Section G,in the MEMBER.PENNSVY Plan of West Enola,which Plan is recorded in the Office of the Recorder of Deeds for Cumberland Cn%intv in Plan Pmk,7 pnop 7n COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND I SS: I,Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Deutsche Bank National Trust Company as Trustee for Asset Backed Certificates Series 1999-2 is the grantee the same having been sold to said grantee on the 5th day of June A.D., 2013, under and by virtue of a writ Execution issued on the 1 st day of February, A.D., 2413, out of the Court of Common Pleas of said County as of Civil Term, 2010 Number 4506, at the suit of Deutsche Bank National Trust Company as Trustee for Asset Backed Certificates Series 1999-2 against Cindy Hoke as Executrix of the Estate of Edith A. Riland(Deceased) is duly recorded as Instrument Number 201328465. IN TESTIMONY WHEREOF, I have he eunto set my hand and seal of said office this ,� day of .�h�� � A.D. 0 .� c ftA Recorder of Deeds Cm ft Ca ft PA MyCammi�ion #*ftMm*0(JKL=4