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HomeMy WebLinkAbout11-0364?E r[ rfd"?; n IM, irt 7"A N11 JA18 P1, t !5 CUMBERi. M °`.f? PENNSY+.VA NI IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, NO. 2011 CIVIL TERM N.A., Plaintiff vs. LAURA E. VAZQUEZ and FRANK RUSSO, Action in Mortgage Foreclosure Defendants NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 or 1-800-990-9108 id 4g)-m agi 'wm IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., Plaintiff NO. 2011 SO c CIVIL TERM vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants Action in Mortgage Foreclosure COMPLAINT 1. The PLAINTIFF is METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., a state banking association, having a principal place of business at 3801 Paxton Street, Harrisburg, Dauphin County, Commonwealth of Pennsylvania 17111, and hereinafter sometimes referred to as "Plaintiff'. 2. The DEFENDANTS are LAURA E. VAZQUEZ and FRANK RUSSO, being an adult male and female individual respectively, being husband and wife, and residing at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Commonwealth of Pennsylvania 17013 and hereinafter sometimes referred to jointly, severally, individually and collectively as "Defendants". 3. On or about August 18, 2008, the Bank loaned to Defendants the sum of $384,000.00. 4. To evidence the loan made on or about August 18, 2008 of $384,000.00 by the Bank to Defendants on or about August 18, 2008, Defendants, as obligors, executed in favor of Bank, as Obligee, a "Fixed/Adjustable Rate Note" for $384,000.00, a copy of which is attached hereto, marked Exhibit "A" and incorporated herein by reference thereto. 5. To secure and to collateralize the liability of Defendants to Bank on account of the "Fixed/Adjustable Rate Note" (Exhibit "A"), on or about August 18, 2008, Defendants, as mortgagors, executed a "Mortgage" for $384,000.00 which was recorded in the Recorder of Deeds Office for Cumberland County, Pennsylvania on August 22, 2008 Instrument # 200828758 and which granted to Bank a lien against real estate and improvements situate at and known and numbered as 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Commonwealth of Pennsylvania 17013, UPI # 29-05-0425-048. 6. Attached hereto, marked Exhibit "B" and incorporated herein by reference is a true and correct copy of the "Mortgage" referred to in Averment 5 hereof. 7. The "Mortgage" (Exhibit "B") covers and is a lien on the real estate and improvements of the Defendants situate at and known and numbered as 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Commonwealth of Pennsylvania 17013, UPI 29-05-0425-048 ("Premises"). 8. The Defendants are the mortgagors under the "Mortgage" (Exhibit `B"). 9. Attached hereto, marked Exhibit "C" is a true and correct copy of the description to Premises referred to in Averment 7 hereof. 10. The Defendants own the real estate and improvements described in Exhibit "B" in fee simple. 11. The "Fixed/Adjustable Rate Note" (Exhibit "A") and the "Mortgage" (Exhibit "B") have not been assigned by the Plaintiff, and the Plaintiff is the holder of the Fixed/Adjustable Rate Note" (Exhibit "A") and the "Mortgage" (Exhibit B") and is the real party in interest. 12. Pursuant to the terms of the "Fixed/Adjustable Rate Note" ("Exhibit "A"), the Defendants were obligated to pay monthly payments of principal interest and an escrow amount for real estate taxes and insurance of $3,079.22 each. 13. Defendants have not made the monthly payments of principal, interest and an escrow amount for real estate taxes and insurance of $3,079.22 each for the months of September, October, November and December of 2010. 14. As principal and interest as alleged in Averment 13 hereof, the Defendants are in default of the terms and provisions of the "Fixed/Adjustable Rate Note" (Exhibit "A") and the "Mortgage" (Exhibit `B"). 15. As of January 7, 2011, the following amounts are owed by the Defendants to the Plaintiff on account of the "Fixed/Adjustable Rate Note" (Exhibit "A") and the "Mortgage" (Exhibit `B"): PRINCIPAL $375,339.85 INTEREST $ 10,559.54 ESCROW DEFICIENCY $ 499.16 LATE CHARGES $ 849.52 LOAN FEES $ 50.50 TOTAL $387,298.57 16. The Defendants are not in the military service. 17. In addition to the amounts listed and set forth in Averment 15 of this Complaint, the Plaintiff is entitled to reasonable attorneys' fees for the prosecution of this lawsuit with the amount claimed by the Plaintiff for legal fees being $18,766.99 based on five (5%) percent of the principal balance due of $375,339.85. 18. The amount of attorneys' fees requested in Averment 17 is fair and reasonable. 19. The Premises (Exhibit "C") constitute the principal residence of Defendants. 20. Plaintiff has complied with the requirements and mandates of Act 91 [35 P. S. 1680.401(c)] of the 1983 Session of the General Assembly of the Commonwealth of Pennsylvania and Section 403-C of Act 6 by mailing to the Defendants on November 2, 2010, a notice required under Act 91 and Act 6 to the Defendants by certified mail, return receipt requested, postage prepaid by depositing the said notices in the United States Post Office in Harrisburg, Pennsylvania addressed to the Defendants at the addresses set forth in Averment 2 of this Complaint, copies of which is attached hereto, marked Exhibit "D" and incorporated herein by reference thereto WHEREFORE, the PLAINTIFF, METRO BANK, prays Your Honorable Court for a judgment in favor of the PLAINTIFF, METRO BANK., and against the DEFENDANTS, LAURA E. VAZQUEZ and FRANK RUSSO, for: A. Foreclosure, execution and sale of the real estate and improvements situate at and known and numbered as 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Commonwealth of Pennsylvania 17013, UPI # 29-059-0425-048 and more particularly described in Exhibit "C"; and B. For the following amounts along with costs of suit: PRINCIPAL $375,339.85 INTEREST $ 10,559.54 ESCROW DEFICIENCY $ 499.16 LATE CHARGES $ 849.52 LOAN FEES $ 50.50 LEGAL FEES $ 18,766.99 TOTAL $406,065.56 Along with interest at the per diem rate of $67.77 per day. Dated: January 7, 2011 ?... __JackFr-?am,?Egg_uire Ream, Carr, Markey & Woloshin LLP 119 East Market Street York, PA 17401 I.D. 10241 Phone 1-717-843-8968 Fax 1-717-846-4999 E-mail JReam_639@comcast.net Attorney for the Plaintiff Metro Bank 4 STATE OF PENNSYLVANIA SS. COUNTY OF DAUPHIN Before me, a Notary Public, in and for the said County and State, personally appeared John T. Robertson who, being duly sworn according to law, doth depose and say that he/she is the Vice President-Asset Recovery Manager of METRO BANK, a banking organization organized and existing under the laws of the Commonwealth of Pennsylvania and that as such officer is authorized to make this Affidavit on behalf of METRO BANK and that the facts set forth in the foregoing document are true and correct to the best of his/her knowledge, information and belief. (SEAL) Sworn and Subscribed to before me this '- day of Jam, 2011 otary Public METRO BANK FIXED/ADJUSTABLE RATE NOTE (One-Year Treasury Index - Rate Caps) VAZQUEZ Loan: 33332499VAZQUZZ THIS NOTE PROVIDES FOR A CHANGE IN MY FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THIS NOTE LIMITS THE AMOUNT MY ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. AUGUST 18, 2008 CARLISLE PENNSYLVANIA [Date] [City] [State] 1402 LONGS GAP ROAD, CARLISLE, PA 17013 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $384, 000.00 (this amount is called "Principal"), plus interest, to the order of Lender. Lender is COMMERCE BANK/HARRISBURG, N.A.. I will make all payments under this Note in the form of cash, check or money order. I understand that Lender may transfer this Note. Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 6.500%. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments 1 will pay principal and interest by making a payment every month. I will make my monthly payments on the first day of each month beginning on OCTOBER 1, 2008. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied will be applied as of its scheduled due date and to interest before Principal. If, on SEPTEMBER 1, 2038, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 3801 PAXTON STREET, HARRISBURG, PA 17111 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount ofU.S. $2, 427 .14. This amount may change. (C) Monthly Payment Changes Changes in my monthly payment will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate 1 will pay will change to an adjustable interest rate on the first day of SEPTEMBER, 2013, and the adjustable interest rate I will pay may change on that day every 12 month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." MULTISTATE FIXED/ADJUSTABLE RATE NOTE - ONE-YEAR TREASURY INDEX - Single Family - Fannie Mae Uniform Instrument 4E) 75,1 Page I of 5 Form 35221/01 611 - (hill it 33332499VAZQUZZ (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding THREE AND THREE-FOURTHS percentage points (3 .750%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 6.500%or less than 4.500%. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than Two percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 12.500%. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my initial fixed interest rate to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any information required by law to be given to me and also the title and telephone number of a person who will answer any question 1 may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, 1 will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if 1 have not made all the monthly payments due under this Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount before applying my Prepayment to reduce the Principal amount of this Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 7. BORROWER'S FAILURE TO PAY AS REQUIRED MULTISTATE FIXED/ADJUSTABLE RATE NOTE - ONE-YEAR TREASURY INDEX - Single Family - Fannie Mae Uniform Instrument E3 75.1 Page 2 of 5 Form 3522 1/01 33332499VAZQUZZ (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000% of my overdue payment of principal and interest. 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 be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that 1 owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when 1 am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if 1 am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promises that I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions read as follows: (A) Until my initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section 4 above, Uniform Covenant 18 of the Security Instrument shall read as follows: MULTISTATE FIXED/ADJUSTABLE RATE NOTE - ONE-YEAR TREASURY INDEX - Singlc Family - Fannie Mae Uniform Instrument Q> 75.1 Page 3 of 5 Form 3522 1/01 33332499VA20UZZ Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent. Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lcnder exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. (B) When my initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section 4 above, Uniform Covenant 18 of the Security Instrument described in Section I I(A) above shall then cease to be in effect, and Uniform Covenant 18 of the Security Instrument shall instead read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. [fall or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lenders security will not be impaired by the loan assumption and that the risk ofa breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MULTISTATE FIXED/ADJUSTABLE RATE NOTE - ONE-YEAR TREASURY INDEX - Single Family - Fannie Mae Uniform Instrument 75.1 Page 4 of 5 Form 3522 1101 33332499VAZQUIZ WITNESS THE HAND(S) AND SE S) OF THE UND RSIGNEQ. ?.-Glut - BORROWER - LAURA E. VAZZQUEEZZ , BY FRANK RUSSO HER ATTORNEY- ZN-FACT - DATE - BORROWER FRANK RUSSOJ W&EE-- (Sign Original Onlvj MULTISTATE FIXED/ADJUSTABLE RATE NOTE- ONE-YEAR TREASURY INDEX - Singic Family- Fannie Mae Uniform Instrument pJ 75.1 Page 5 of 5 Form 35221/01 After Recording Return To: COMMERCE BANK/HARRISBURG, N.A. 3801 PAXTON STREET HARRISBURG, PA 17111 ATTN:POST CLOSING - T. SANTARELLI (717) 412-6879 Prepared By: COMMERCE BANK/HARRISBURG, N.A. 3801 PAXTON STREET HARRISBURG, PA 17111 (888) 937-0004 Property Address: 1402 LONGS GAP ROAD CARLISLE, PA 17013 PIN: 29-05-0425-048 (Space Above This Line For Recording Data] MORTGAGE VAZQUEZ Loan #: 33332499VAZQUEZ PIN: 29-05-0425-048 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated AUGUST 18, 2008, together with all Riders to this document. (B) "Borrower" is LAURA E. VAZQUEZ AND FRANK RUSSO Borrower is the mortgagor under this Security Instrument. (C) "Lender" is COMMERCE BANK/HARRISBURG, N.A.. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of PENNSYLVANIA. Lender's address is 3801 PAXTON STREET, HARRISBURG, PA 17111. Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated AUGUST 18, 2008. The Note states that Borrower owes Lender THREE HUNDRED EIGHTY FOUR THOUSAND Dollars (U.S. $384,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2038. (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT OJ 347.10 Page I of 14 Form 3039 1/01 /I 33332499VAZQUEZ ? Adjustable Rate Rider ? Condominium Rider ? Second Home Rider ? Balloon Rider ? Planned Unit Development Rider ? Biweekly Payment Rider ? 1-4 Family Rider ? Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (O) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the COUNTY (Type of Recording Jurisdiction) of CUMBERLAND (Name of Recording Jurisdiction) ALL THAT CERTAIN TRACT OF LAND AND IMPROVEMENTS SITUATE IN NORTH MIDDLETON TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED IN EXHIBIT "A" ATTACHED HERETO. which currently has the address of 1402 LONGS GAP ROAD, CARLISLE, Pennsylvania 17013 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 0.:D 347.10 Page 2 of 14 Form 3039 1/01 33332499VAZQUEZ ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4XD 347.10 Page 3 of 14 Form 30391/01 33332499VAZQUEZ If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. PENNSYLVANIA-Singlc Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT CO 347.10 Page 4 of 14 Form 3039 1/01 33332499VAZQUZZ If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with. RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4XP 347A0 Page 5 of 14 Form 3039 1/01 33332499VAZQUEZ to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4KP 347.10 Page 6 of 14 Form 3039 1/01 33332499VAZQUEZ completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall :give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4ED 347.10 Page 7 of 14 Form 3039 1/01 33332499VAZQUEZ non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in PENNSYLVANIA-Singlc Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT aK-> 347.10 Page 8 of 14 Form 3039 1/01 33332499VAZQUEZ Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ole?-D 347.10 Page 9 of 14 Form 30391/01 33332499VAZQUEZ co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4ED 347.10 Page 10 of 14 Form 3039 1/01 33332499VAZQUZZ conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT dr`J 347.10 Page 1 I of 14 Form 3039 1/01 33332499VAZQUEZ Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Q> 347.10 Page 12 of 14 Form 30391/01 33332499VAZQUEZ acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. This is a contract under seal and may be enforced under 42 Pa.C.S. Section 5529(b). - BORRO77,t AU E. VAZQUEZ, BY FRANK RUSSO HER ATTORNEY-IN-FACT - DATE - or - BORROWER - FRANK RUSSO - DATE - PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT CD 347.10 Page 13 of 14 Form 30391/01 33332499VAZOUEZ [Space Below This Line For Acknowledgment] STATE OF At"/&X COUNTY OFl LL0AJataA4-A"J On this the / O day of the undersiened tce?ners GV t - ?? before me, VV 141 3 JAM&osi&L A- 9 - known o me (or satisfactorily proven) to be the person(s) whose name(s) is subscribed to the within instrument and acknowledged that he executed the same f the purposes therein contained. In witness whereof, I hereunto set my hand and (, ?, official seal. Ilj[r Notary Public .s ??; "_'ak .., My Commission Expires: WTAI KSEAL %x?'? VALERIE F. (;SEt.I, Notary PW* .. +? C"* em., Ct>tMiWWW ?y C MOW E h O 1 ' O M w s cftw 9, 2 010 f CERTIFICATE OF RESIDENCE: I do certify that the precise address of the within named Mortgagee is 3801 PAXTON STREET, HARRISBURG, PA 17111. Signature: / 'l . ent o ehalf of Mortgagee PENNSYLVANIA-Singlc Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4ED 347.10 Page 14 of 14 Form 3039 1/01 Commitment No. 1468992ERIE Exhibit A -Legal Description ALL that certain lot or tract of ground situate In North Middleton Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a concrete monument on the southern legal right-of-way line of Longs Gap Road, T-494; thence through T-494 N35-08-52E 20.00 feet to a point on the centerline being the northeast corner of Lot #4; thence along said centerline S56-01-02E 277.18 feet to a point; thence along the same S56-32- 30E 358.24 feet to a point; thence along the same by a curve to the left, said curve having a chord bearing and distance of S62-29-04E 365.48 feet, a radius of 1765.00 feet, and an arc distance of 366.14 feet to a point being a northern corner of Lot #6; thence through T-494 521-34-23W 20.00 feet to a concrete monument on the southern legal right-of-way line of Longs Gap Road; thence along Lot #6 511- 38-22W 154.12 feet to an existing iron pin at Lands N/F of Guy W. Stouffer, Deed Book 33G, Page 777; thence along said lands S70-24-19W 407.46 feet to an existing iron pin at lands N/F of John W. Weigle, Deed Book 179, Page 21; thence along said lands S70-19-45W 235.67 feet to an existing iron pipe at lands N/F of Conrad W. Wagner, Deed Book 31Z, Page 516; thence along said lands S70-13-34W 361.14 feet to a point being an eastern corner of Lot #2; thence along Lot #2 N42-58-48W 492.63 feet to a point being the southern corner of Lot #4; thence along Lot #4 N28-16-34E 462.94 feet to a point; thence along the same N44-00-52E 340.01 feet to a concrete monument on the southern legal right-of- way line of T-494, being the place of BEGINNING. CONTAINING 17.185 acres, less 0.461 acres in Right-of-Way Area, equals 16.724 Net Acres. BEING LOT #5 on a Final Subdivision Plan for Triple Crown Corporation, prepared by Louis J. Harford, P.L.S., dated 2-7-2005, and recorded 6-23-2005 in Plan Book 90 Page 148. BEING PARCEL NO. 29-05-0425-048 FIXED/ADJUSTABLE RATE RIDER (One-Year Treasury Index-Rate Caps) VAZQUEZ Loan #: 3 3 3 3 2 4 9 9VAZQUEZ THIS FIXED/ADJUSTABLE RATE RIDER is made this 18TH day of AUGUST, 2008 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Fixed/Adjustable Rate Note (the "Note") to COMMERCE BANK/HARRISBURG, N. A. ("Lender") of the same date and covering the property described in the Security Instrument and located at: 1402 LONGS GAP ROAD, CARLISLE, PA 17013 (Property Address) THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 6.500°/x. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of SEPTEMBER, 2013 and the adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." (B) The Index MULTISTATE FIXED/ADJUSTABLE RATE RIDER--ONE-YEAR TREASURY INDEX--Single Family--Fannie Mae Uniform Instrument 42S) 754.2 Page I of 4 Form 3182 1/01 33332499VAZQUEZ Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one- year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding THREE AND THREE-FOURTHS percentage points (3.750%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 8.500% or less than 4.500%. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than two percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 3.2.500%. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of the change in my initial fixed interest rate to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER 1. Until Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument shall read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. MULTISTATE FIXED/ADJUSTABLE RATE RIDER--ONE-YEAR TREASURY INDEX--Single Family--Fannie Mae Uniform Instrument 754.2 Page 2 of 4 Form 3182 1/01 33332499VAZQUEZ The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 2. When Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, and until Borrower exercises the Conversion Option under the conditions stated in Section B above, Uniform Covenant 18 of the Security Instrument described in Section C I above shall cease to be in effect, and the provisions of Uniform Covenant 18 of the Security Instrument shall be amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. Lender also shall not exercise this option if (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. MULTISTATE FIXED/ADJUSTABLE RATE RIDER--ONE-YEAR TREASURY INDEX--Single Family--Fannie Mae Uniform Instrument 754.2 Page 3 of 4 Form 3182 1/01 33332499VAZQUICZ BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed/Adjustable Rate Rider. - BORROWER - LAURA E. VAZQUEZ, BY FRANK RUSSO HER ATTORNEY-IN-FACT - DATE - BORROWER - FRANK RUSSO - ATE - MULTISTATE FIXED/ADJUSTABLE RATE RIDER--ONE-YEAR TREASURY INDEX--Single Family--Fannie Mae Uniform Instrument 415) 754.2 Page 4 of 4 Form 3182 1/01 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 200828758 Recorded On 8/22/2008 At 1:59:58 PM * Instrument Type - MORTGAGE Invoice Number - 27620 User ID - MBL * Mortgagor - VAZQUEZ, LAURA E * Mortgagee - COMMERCE BANK/HBG N A * Customer - JACQUELINE VERNEY * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $41.50 RECORDER OF DEEDS AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $68.50 * Total Pages - 20 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA o / RECORDER O /D IDS * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 001 OZA 1111111111111111111111111 ALL that certain lot or tract of ground situate in North Middleton Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a concrete monument on the southern legal right-of-way line of longs Gap Road T-494; thence through T-494 N35-08-52E 20.00 feet to a point on the centerline being the northeast corner of Lot #4; thence along said centerline 556-01-02E 277.18 feet to a point; thence along the same 556-32- 30E 358.24 feet to a point; thence along the same by a curve to the left, said curve having a chord bearing and distance of S62-29-04E 365.48 feet g a radius of 1165,00 feet, and an arc distance of 366.14 feet to a point being a northern corner of Lot #6; thence through T-494 521-34-23W 20,00 feet to a concrete monument on the southern legal right-of-way line of Longs Gap Road; thence along Lot #6 511- 38-22W 154,12 feet to an existing iron pin at Lands N/F of Guy W. Stouffer, Deed Book 33G, Page 777; thence along said lands S70-24-19W 407,46 feet to an existing iron pin at lands NSF of John W. Weigle, Deed Book 179, Page 21; thence along said lands S70-19-45W 235.67 feet to an existing iron pipe at lands NSF of Conrad W. Wagner Deed Book 32, Page 516; thence along said lands 57013-34W 361.14 feet to a point being an eastern corner of lot #2; thence along Lot #2 N42-58-48W 492.63 feet to a pant being the southern corner of Lot #4; thence along Lot #4 N28-16-34E 462,94 feet to a point; thence along the same N44-00-52E 340,01 feet to a concrete monument on the southern legal right-of- way line of T-494, being the place of BEGINNING. CONTAINING 17,185 acres, less 0.461 acres in Right-of-Way Area, equals 16,724 Net Acres, BEING LOT #5 on a Final Subdivision Plan for Triple Crown Corporation, prepared by Louis J. Narford P,LS., dated 2.7-2005, and recorded 6-23-2005 i Y in Plan Book 90 Page 148, BEING PARCEL NO. 29-05-0425-048 ? ?( C I FRANK RUSSO 1402 LONGS GAP RD CARLISLE PA 17013 ??h,tb?? "D I, METRO BANK 3801 Paxton Street Harrisburg • PA- 17111 mymstrobank.com 888.937.0004 November 2, 2010 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies servingyour County are listed at the end of the Notice. If you have any Questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. LAURA E VAZQUEZ AND FRANK RUSSO 1402 LONGS GAP RD CARLISLE PA 17013 Property Address -1402 LONGS GAP RD CARLISLE, CUMBERLAND COUNTY Loan account number - 000033332502 Original lender - Metro Bank Current Lender/Servicer - Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: *IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency 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 the PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAPAPPLICATIONAS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICEAND FILE ANAPPLICA TION WITHPHFA WITHIN30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PREVENTED FROM STARTING A FORECLOSUREAGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILEA HEMAPAPPLICATION EVEN BEYOND THESE TIME PERIODS. ALA TEAPPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSUREACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANYTIME 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: 1402 LONGS GAP RD CARLISLE, CUMBERLAND COUNTY 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: 9/1/10- $3,079.22,10/1/10- $3,079.22,11/1/10- $3,079.22 & late fees in that amount of $728.16. TOTAL AMOUNT PAST DUE: $ 9,965.82. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: 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 9,965.82 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111-0999 IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by _paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and bYnerforming any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111-0999 Phone Number: Fax Number: (717) 412-6894 Contact Person: JESSICA HAMILTON EFFECT OF SHERIFF'S SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s 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 _X_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 THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 9 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES Adams County Adams County Interfaith Housing Authority (717) 334-1518 Berks County - Continued PA Interfaith Community Programs Inc. (610) 562-2288 American Red Cross - Hanover Chapter (717) 637-3768 CCCS of Western PA (888) 511-2227 Maranatha (717) 762-3285 Opportunity Inc. (717) 424-3645 Berks County American Credit Counseling Institute (888) 212-6741 American Financial Counseling Services Inc. (267) 228-7903 (800) 490-3039 Budget Counseling Center (610) 375-7866 CCCS of Lehigh Valley (610) 821-4011 (800) 837-9815 Community Action Committee (610) 691-5620 Neighborhood Housing Services of Reading (610) 372-8433 Schuylkill Community Action (570) 622-1995 Cumberland County CCCS of Western PA (888) 511-2227 Community Action Commission of Capital Region (717) 232-9757 Maranatha (717) 762-3285 PA Interfaith Community Programs Inc. (717) 334-1518 PHFA (717) 780-3940 (800) 342-2397 Dauphin County CCCS of Western PA (888) 511-2227 Community Action Commission of Capital Region (717) 232-9757 PHFA (717) 780-3940 (800) 342-2397 Franklin County Lebanon Coun Adams County Interfaith Schuylkill Community Housing Authority Action (717) 334-1518 (570) 622-1995 Tabor Community Service, American Red Cross - Inc Hanover (717) 397-5182 Chapter (800) 788-5062 (717)637-3768 (888) 511-2227 CCCS of Western PA (888) 511-2227 York County Community Action Commission of Capital Adams County Interfaith Region Housing Authority (717) 232-9757 (717) 334-1518 American Red Cross - Hanover Maranatha Chapter (717) 762-3285 (717) 637-3768 Base, Inc Lancaster County (717) 392-5467 American Credit Counseling Institute CCCS of Western PA (888) 212-6741 (888) 511-2227 Housing Alliance of York Base, Inc (717) 854-1541 (717) 392-5467 (800) 788-5062 CCCS of Lehigh Valley (610) 821-4011 (800) 837-9815 CCCS of Western PA (888) 511-2227 LAURA E VAZQUEZ 1402 LONGS GAP RD CARLISLE PA 17013 I ( -b --r 14ETRO BANK 3801 Paxton street Harrisburg • AA • 17111 mymetrobank.com 888.937.0004 November 2, 2010 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies servingyour County are listed at the end of the Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call 717) 780-1869 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. LAURA E VAZQUEZ AND FRANK RUSSO 1402 LONGS GAP RD CARLISLE PA 17013 Property Address -1402 LONGS GAP RD CARLISLE, CUMBERLAND COUNTY Loan account number - 000033332502 Original lender - Metro Bank Current Lender/Servicer - Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: *IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling _agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency 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 the PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILEA HEMAPAPPLICATIONASSOONASPOSSIBLE. IF YOUHAVEA MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTIIIARK DATE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILEA HEMAPAPPLICATION EVENBEYOND THESE TIME PERIODS. ALA TEAPPLICATION WILL NOTPREVENT THE LENDER FROMSTARTINGA FORECLOSUREACTION, BUT 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: 1402 LONGS GAP RD CARLISLE, CUMBERLAND COUNTY 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: 9/1/10- $3,079.22,10/1/10- $3,079.22,11/1/10- $3,079.22 & late fees in that amount of $728.16. TOTAL AMOUNT PAST DUE: $ 9,965.82. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: 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 9,965.82 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111-0999 IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to Pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at My tp to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by uerforming any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111-0999 Phone Number: Fax Number: (717) 412-6894 Contact Person: JESSICA HAMILTON EFFECT OF SHERIFF'S SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's 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 _X_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 THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES Adams County Adams County Interfaith Housing Authority (717) 334-1518 Berks County - Continued PA Interfaith Community Programs Inc. (610) 562-2288 American Red Cross - Hanover Chapter (717) 637-3768 CCCS of Western PA (888) 511-2227 Maranatha (717) 762-3285 Opportunity Inc. (717) 424-3645 Berks County American Credit Counseling Institute (888) 212-6741 American Financial Counseling Services Inc. (267) 228-7903 (800) 490-3039 Budget Counseling Center (610) 375-7866 CCCS of Lehigh Valley (610) 821-4011 (800) 837-9815 Community Action Committee (610) 691-5620 Neighborhood Housing Services of Reading (610) 372-8433 Schuylkill Community Action (570) 622-1995 Cumberland County CCCS of Western PA (888) 511-2227 Community Action Commission of Capital Region (717) 232-9757 Maranatha (717) 762-3285 PA Interfaith Community Programs Inc. (717) 334-1518 PHFA (717) 780-3940 (800) 342-2397 Dauphin County CCCS of Western PA (888) 511-2227 Community Action Commission of Capital Region (717) 232-9757 PHFA (717) 780-3940 (800) 342-2397 Franklin County Lebanon County Adams County Interfaith Schuylkill Community Housing Authority Action (717) 334-1518 (570) 622-1995 Tabor Community Service, American Red Cross - Inc Hanover (717) 397-5182 Chapter (800) 788-5062 (717)637-3768 (888) 511-2227 CCCS of Western PA (888) 511-2227 York County Community Action Commission of Capital Adams County Interfaith Region Housing Authority (717) 232-9757 (717) 334-1518 American Red Cross - Hanover Maranatha Chapter (717) 762-3285 (717) 637-3768 Base, Inc Lancaster County (717) 392-5467 American Credit Counseling Institute CCCS of Western PA (888) 212-6741 (888) 511-2227 Housing Alliance of York Base, Inc (717) 854-1541 (717) 392-5467 (800) 788-5062 CCCS of Lehigh Valley (610) 821-4011 (800) 837-9815 CCCS of Western PA (888) 511-2227 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson FILED-OFF'iCE Sheriff Vol" of PROTHOfi OTARV Jody S Smith Chief Deputy 2N I JAN 24 PM 2: 41 Richard W Stewart 13,1N6ERLAND WUNTY Solicitor PENNSYLVANIA Metro Bank Case Number vs. 2011-364 Frank Russo (et al.) SHERIFF'S RETURN OF SERVICE 01/20/2011 03:12 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on January 20, 2011 at 1512 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Frank Russo, by making known unto himself personally, at 1402 Longs Gap Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. WN TSHAL PLITY 01/20/2011 03:12 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on January 20, 2011 at 1512 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Laura E. Vazquez, by making known unto Frank Russo, adult in charge at 1402 Longs Gap Road, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. HALL, DEPCITY SHERIFF COST: $49.84 January 21, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF ic, Cauniys'Ake Sn"rl ff. feIn-, s,rft, 1 nt. FEP) I ?- CUMBERLAiNO t;t, ! r t PcNNSYLV,,11 A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants NO. 2011-00364 CIVIL TERM Action in Mortgage Foreclosure Notice of Praeciae to Enter Judgment by Default Pursuant to Pa. R.C.P. 237.1 TO: Laura E. Vazquez Frank Russo 1402 Longs Gap Road 1402 Longs Gap Road Carlisle, PA 17013 Carlisle, PA 17013 DATE: Feb. 10, 2011 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 PHONE 1-717-249-3166 91 REAM, CARR, MARKEY & WOLOSHIN LLP By: Jack F. Re-am, E quire 119 East Market Street York, PA 17401 Attorney I.D. #10241 Phone 1-717-843-8968 Fax 1-717-846-4999 E-mail JReam_639@comcast.net Attorney for the Plaintiff Metro Bank * I hereby certify that this Notice was mailed to the Defendant on the 10th day of February 2011. (One copy to be filed with the Prothonotary of Cumberland County, Pennsylvania) FILED-OFFICE 29 11 FEB I I f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., Plaintiff NO. 2011-00364 CIVIL TERM VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants Action in Mortgage Foreclosure Certificate of Service: Notice of Praecipe to Enter Judgment by Default Pursuant to Pa. R.C.P. 237.1 I, Jack F. Ream, Esquire, attorney of record for the Plaintiff, METRO BANK, hereby certify that on Feb. 10, 2011, I caused copy of the "Notice of Praecipe to Enter Judgment by Default Pursuant to Pa. R.C. P. 237.1" to be served upon the following party by United States Mail, regular mail and certified mail, return receipt requested, postage prepaid by depositing the "Notice of Praecipe to Enter Judgment by Default Pursuant to Pa. R.C. P. 237.1" in the United States Post Office in York, Pennsylvania addressed to the following party at the following address: Laura E. Vazquez 1402 Longs Gap Road Carlisle, PA 17013 Certified Mailing # 7009 2820 0001 2055 0539 Frank Russo 1402 Longs Gap Road Carlisle, PA 17013 Certified Mailing # 7009 2820 0001 2055 0546 Dated: Feb. 10, 2011 ' Jac e , Esquire Ream, Carr, arkey & Woloshin LLP 119 East Market Street York, PA 17401 I.D. 10241 Phone 1-717-843-8968 Fax 1-717-846-4999 E-mail JReam_639@comcast.net Attorney for the Plaintiff Metro Bank ANSWER 1. After reasonable investigation, Defendants are without knowledge or information sufficient as to the truth of this averment. 2. Admitted in part and denied in part. Defendants reside at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Commonwealth of Pennsylvania 17013. Defendants, however, have never been married to each other. 3. Admitted. 4. Admitted. 5. Admitted. J i•eJ ?= ;r -n , 6. Admitted. 7. Admitted. F.- 8. Admitted. 9. Admitted. 10. Admitted. METRO BANK F/N/A, COMMERCE BANK/HARRISBURG, N.A., Plaintiff V. LAURA E. VAZQUEZ and FRANK RUSSO, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2011-364 CIVIL TERM Defendants : Action in Mortgage Foreclosure ANSWER AND NEW MATTER NOW, come Defendants, Frank Russo and Laura E. Vazquez, by and through their attorneys, BARIC SCHERER, and file the within Answer and New Matter and, in support thereof, set forth the following: 11. After reasonable investigation, Defendants are without knowledge or information sufficient as to the truth of this averment. 12. Admitted. 13. Admitted. 14. Admitted in part; however, the default could be corrected under the HAMP or HEMAP programs if the Defendants were to participate. 15. After reasonable investigation, Defendants are without knowledge or information sufficient as to the truth of this averment; Defendants deny that the late charges, loan fees, and escrow deficiency are correct and demand proof of the late charges, loan fees, and escrow deficiency. 16. Admitted. 17. After reasonable investigation, Defendants are without knowledge or information sufficient as to the truth of this averment; however, insofar as the attorneys' fees, they are excessive and therefore unreasonable. 18. Defendants incorporate their response from paragraph 17 and aver that the attorneys' fees are not fair and are unreasonable. 19. Admitted. 20. Admitted. NEW MATTER 21. Defendants incorporate by reference paragraphs 1-20 as though set forth at length herein. 22. Defendants aver that they qualify for assistance under the HAMP program, which would preclude the present foreclosure action. 23. Defendants may qualify for emergency assistance under the HEMAP program. 24. Lender's recent appraisal of the property omits significant improvements upon the property, and Defendants have considerable equity that will be lost if the foreclosure is followed to completion. 25. Defendants are considering a subdivision of the property in order to sell lots to pay for the past-due mortgage. 26. The foreclosure should be stayed while the Defendants explore the different avenues stated above in paragraphs 22-25 to cure their default. Wherefore, Defendants request that this Court enter judgment in favor of Defendants and against Plaintiff. Respectfully submitted, BARIC SCHERER Date: Bret . Shaffer, Esquire I.D. # 309180 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 Attorney for Defendants VERIFICATION I verify that the statements made in the foregoing Answer and New Matter are true and correct to the best of my knowledge, information, and belief. This verification is signed by Bret P. Shaffer, Esquire, Attorney for Defendants and is based upon the statements provided by Defendants, as well as documents reviewed by the undersigned as attorney for Defendants. This verification will be substituted and ratified by a verification signed by the Defendants who are presently unavailable to sign said verification. I understand that false statements herein are made subject to penalties of 18 Pa.C.S. § 4904, relating to unsworn falsifications to authorities. Dated: Bret P. Shaffer, Esquire METRO BANK F/N/A, IN THE COURT OF COMMON PLEAS OF COMMERCE BANK/HARRISBURG, CUMBERLAND COUNTY, PENNSYLVANIA N.A., ; Plaintiff : V. NO. 2011-364 CIVIL TERM LAURA E. VAZQUEZ and FRANK RUSSO, : Defendants : Action in Mortgage Foreclosure CERTIFICATE OF SERVICE I, Bret P. Shaffer, do hereby certify that on , 2011, I caused to be served, a true and correct copy of Defendants' Answer and New Matter by first class mail, postage prepaid as follows: Jack F. Ream, Esquire Ream, Carr, Markey & Woloshin LLP 119 East Market Street York, PA 17401 Bret P. Shaffer, Esquire I.D. # 309180 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 Attorney for Defendants t? METRO BANK FN/A, COMMERCE BANK/HARRISBURG, N.A., Plaintiff V. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA,:: C.D rnrr , rl r NO. 2011-364 CIVIL TERM Action in Mortgage Foreclosure - - ` '; PRAECIPE TO ATTACH SUBSTITUTE VERIFICATIONS r- Please attach the following two Substitute Verifications to the Answer and New Matter filed in this matter on February 22, 2011. Respectfully submitted, BARIC SCHERER Date: February 25, 2011 /? Bret P. Shaffer, Esquire I.D. # 309180 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 Attorney for Defendants r VERIFICATION I, Frank Russo, verify that the statements made in the foregoing Answer and New Matter are true and correct to the best of my knowledge, information, and belief. I hereby ratify the verification previously supplied by my attorney, Bret P. Shaffer, Esquire and execute this verification as a substituted verification. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsifications to authorities. Z: 12.k Date: Z Z 3 Frank Russo 1402 Longs Gap Road Carlisle, Pennsylvania 17013 VERIFICATION I, Laura E. Vazquez, verify that the statements made in the foregoing Answer and New Matter are true and correct to the best of my knowledge, information, and belief. I hereby ratify the verification previously supplied by my attorney, Bret P. Shaffer, Esquire and execute this verification as a substituted verification. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn falsifications to authorities. Date: ?" 3 - ?? I Jack F. Ream, Esquire Ream, Carr, Markey & Woloshin LLP 119 East Market Street York, PA 17401 Bret P. Shaffer, Esquire I.D. # 309180 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 Attorney for Defendants METRO BANK F/N/A, OF COMMERCE BANK/HARRISBURG, PENNSYLVANIA N.A., V. LAURA E. VAZQUEZ and FRANK RUSSO, Plaintiff Defendants : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, NO. 2011-364 CIVIL TERM Action in Mortgage Foreclosure CERTIFICATE OF SERVICE I, Bret P. Shaffer, do hereby certify that on 2011, I caused to be served, a true and correct copy of Defendants' Praecipe to Attach Substitute Verifications by first class mail, postage prepaid as follows: CYu/-lJR 1 ?... r I!Z r, 0 : ?01N0 Tt, ?J0 6I MAR 13 I'M 2: 0B CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANKMARRISBURG, N.A., Plaintiff NO. 2011-00364 CIVIL TERM vs. LAURA E. VAZQUEZ and FRANK RUSSO, Action in Mortgage Foreclosure Defendants REPLY OF PLAINTIFF, METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A.,TO NEW MATTER OF DEFENDANTS, LAURA E. VASQUEZ AND FRANK RUSSO 21. Averments 1 through 21 of the Complaint are incorporated herein by reference thereto. 22. Denied. Plaintiff is without sufficient information to form an opinion as to truth or veracity of this Averment and the means of proof are within the exclusive possession of the adverse parties being the Defendants. Additionally, this Averment constitutes a conclusion of law to which no responsive pleading is required. Finally, this Averment does not constitute or state a legal defense the claim and cause of action of the Plaintiff in the above captioned matter. 23. Denied. Plaintiff is without sufficient information to form an opinion as to truth or veracity of this Averment and the means of proof are within the exclusive possession of the adverse parties being the Defendants. Additionally, this Averment constitutes a conclusion of law to which no responsive pleading is required. Finally, this Averment does not constitute or state a legal defense the claim and cause of action of the Plaintiff in the above captioned matter. 24. Denied. This Averment does not constitute or state a legal defense the claim and cause of action of the Plaintiff in the above captioned matter. 25. Denied. Plaintiff is without sufficient information to form an opinion as to truth of veracity of this Averment and the means of proof are within the exclusive possession of the adverse parties being the Defendants. Additionally, this Averment does not constitute or state a legal defense the claim and cause of action of the Plaintiff in the above captioned matter. 26. Denied. Plaintiff is without sufficient information to form an opinion as to truth or veracity of this Averment and the means of proof are within the exclusive possession of the adverse parties being the Defendants. Additionally, this Averment constitutes a conclusion of law to which no responsive pleading is required. Finally, this Averment does not constitute or state a legal defense the claim and cause of action of the Plaintiff in the above captioned matter. REAM, CARR, MARKEY & WOLOSHIN LLP March 16, 2011 By: r. `"- Jack F. Ream, Esquire 119 East Market Street York, PA 17401 Attorney I.D. #10241 Phone 1-717-843-8968 Fax 1-717-846-4999 E-mail JReam_639@comcast.net Attorney for the Plaintiff Metro Bank STATE OF PENNSYLVANIA SS. COUNTY OF DAUPHIN Before me, a Notary Public, in and for the said County and State, personally appeared John T. Robertson who, being duly sworn according to law, doth depose and say that he is the Vice President, Asset Recovery Manager of METRO BANK, a banking organization organized and existing under the laws of the Commonwealth of Pennsylvania and that as such officer is authorized to make this Affidavit on behalf of METRO BANK and that the facts set forth in the foregoing document are true and correct to the best of his knowledge, information and belief. METRO BANK \1 P Sworn and Subscribed to before me this 15 day of March, 2011 Notary Pu is COMMON E LTH OF PENNSYLVANIA Notarial Seal K°iy Waltcn, Notary Public City Of Hauisburp, Dauphin County My Commission E)Oes Aug. 28, 2011 (SEAL) Member, Pennsylvania Association of Notaries p fiFIOL 1 li- PROTHONOTARY 2011 MAR 18 FED 2: 8 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., Plaintiff NO. 2011-00364 CIVIL TERM vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants Action in Mortgage Foreclosure CERTIFICATE OF SERVICE OF REPLY OF PLAINTIFF, METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., TO NEW MATTER OF DEFENDANTS, LAURA E. VASQUEZ AND FRANK RUSSO I, Jack F. Ream, Esquire, attorney of record for the Plaintiff, METRO BANK, hereby certify that on March 17, 2011, I caused a copy of the "REPLY OF PLAINTIFF, METRO BANK F/N/A COMMERCE BANK/1 ARRISBURG, N.A.,TO NEW MATTER OF DEFENDANTS, LAURA E. VASQUEZ AND FRANK RUSSO"("Reply") in the above captioned matter and incorporated herein by reference hereto, to be served upon the attorney or record for the Defendants, being Bret P. Shaeffer, Esq., by United States Mail, regular mail, postage prepaid by depositing the "Reply" in the United States Post Office in York, Pennsylvania addressed as follows: Bret P. Shaeffer, Esq., 19 West South Street Carlisle, PA 17013 REAM, CARR, MAR?KEY & WOLOSHIN LLP By: Jac t F. Ream, Esquire 119 East Market Street York, PA 17401 Attorney I.D. #10241 Phone 1-717-843-8968 Fax 1-717-846-4999 E-mail JReam_639@comcast.net Attorney for the Plaintiff, Metro Bank CA . t C= zT? PRAECIPE FOR LISTING CASE FOR TRIAL rn 74x rn (Must be typewritten and submitted in triplicate) n? w e eat? - TO THE PROTHONOTARY OF CUMBERLAND COUNTY J :c 0 6-ri Please list the following case: rah" ? for JURY trial at the next term of civil court. X? for trial without a jury. _ -- ; ' CAPTION OF CASE (entire caption must be stated in full) METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A. (Plaintiff) (check one) 0 Civil Action - Law ? Appeal from arbitration (other) vs. The trial list will be called on and LAURA E. VAZQUEZ AND FRANK RUSSO Trials commence on (Defendant) Pretrials will be held on vs. (Briefs are due S days before pretrials No. 2011-00364 Civil Term Indicate the attorney who will try case for the party who files this praecipe: Steven M. Carr, Esq. Indicate trial counsel for other parties if known: Bret P. Shaeffer, Esq. This case is ready for trial. Signed: J -- Print Name: Steven M. Carr, Esq. Date: May 25, 2011 *01-5.00 AD ATT`1 e-# s3cps OC25993'7 Attorney for: Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK F/N/A COMMERCE BANK/HARRISBURG, N.A., Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 2011-00364 Civil Term Action in Mortgage Foreclosure CERTIFICATE OF SERVICE I, Steven M. Carr, Esquire, hereby certify that on this day I served a true and correct copy of the foregoing document upon the following person by depositing same in the U.S. Mail, first class postage prepaid, addressed as follows: Bret P. Shaeffer, Esq. 19 West South Street Carlisle, PA 17013 Date: C;z S-'- I REAM, CARR, MARKEY & WOLOSHIN, L_L?P^ (?1 Y: Steven M. Carr, Esquire 119 East Market Street York, PA 17401 Phone: (717) 843-8968 Fax: (717) 846-4999 Email: carr20 e,aol.com PA 34336 METRO BANK F/N/A IN THE COURT OF COMMON PLEAS OF COMMERCE BANK/ HARRISBURG CUMBERLAND COUNTY, PENNSYLVANIA , N.A., Plaintiff CIVIL ACTION - LAW -- + LAURA E. VAZQUEZ and rr,ca ? u, FRANK RUSSO, Defendants NO. 11-0364 CIVIL TERM ter; C _ Z ORDER OF COURT AND NOW, this 6`h day of June, 2011, a pretrial conference in the above matter is scheduled for Wednesday, September 7, 2011, at 11:15 a.m., in chambers of the undersigned judge, Cumberland County Courthouse, Carlisle, Pennsylvania. Pretrial memoranda shall be submitted by counsel in accordance with C.C.R.P. 212-4, at least five days prior to the pretrial conference. A NONJURY TRIAL in the above matter is scheduled for Monday, October 3, 2011, at 9:30 a.m., in Courtroom No. 1, Cumberland County Courthouse, Carlisle, Pennsylvania. 'Steven M. Carr, Esq. 119 East Market Street York, PA 17401 Attorney for Plaintiff Bret P. Shaeffer, Esq. 19 West South Street Carlisle, P A I 7013 Attorney for Defendant ieg Mai I Cep 611/11 Da Court Administrator - in bile :rc BY THE COURT, METRO BANK F/N/A IN THE COURT OF COMMON PLEAS OF COMMERCE BANK/ CUMBERLAND COUNTY, PENNSYLVANIA HARRISBURG, N.A., Plaintiff CIVIL ACTION - LAW v LAURA E. VAZQUEZ and - -? FRANK RUSSO, ? ' Defendants NO. 11-0364 CIVIL TERM ? .c c t om CD o C-3 IN RE: PRETRIAL CONFERENCE t - M ORDER OF COURT r Sri A pretrial conference was held in the cTfamb-A_r!?'`of Judge Oler in the above-captioned case on September 7, 2011. Present on behalf of Plaintiff was Steven M. Carr, Esquire; present on behalf of Defendants was Bret P. Shaeffer, Esquire. This is a mortgage foreclosure action in which it is alleged that the Defendants borrowed $384,000 in 2008 from Plaintiff and mortgaged certain real estate on Longs Gap Road outside of Carlisle to secure the loan. It is further alleged that the Defendants defaulted by nonpayment on the loan. By separate Order of Court a nonjury trial is scheduled in this case for Monday, October 3, 2011, at 9:30 a.m. Plaintiff's pretrial memorandum is deemed amended to substitute John Robertson of Plaintiff Metro Bank for Kelly Walton of Metro Bank as one of Plaintiff's witnesses. No unusual issues are expected to arise in this case. With respect to settlement negotiations, it appears that the parties are attempting to reach an amicable agreement in the matter, but as of this date no agreement has been reached. ? Steven M. Carr, Esquire 119 East Market Street York, PA 17401 For Plaintiff Bret P. Shaeffer, Esquire 19 West South Street Carlisle, PA 17013 For Defendants Court Administrator -;n Ve :mae By the Court, .red Ma` C°Ptes '?l q IS o? METRO BANK F/K/A COMMERCE BANK/ HARRISBURG, Plaintiff v. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Z m 11-364 CIVIL TERM NO . ORDER OF COURT = AND NOW, this 3rd day of October, 2011, after a nonjury trial, it is ordered and directed that judgment in mortgage foreclosure is entered in favor of Metro Bank, f/k/a Commerce Bank/Harrisburg and against Defendants Laura E. Vazquez and Frank Russo, in the amount of $406,770.58, plus attorney's fees of $18,766.99, for a total of $425,537.57, plus costs and continuing interest, for the property situate at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, Pennsylvania. ? Steven M. Carr, Esq. 119 East Market Street York, PA 17401 Attorney for Plaintiff V/ Bret P. Shaeffer, Esq. 19 West South Street Carlisle, PA 17013 Attorney for Defendants J. Oopi-asM0,ited lb?4 ?plub :rc BY THE COURT, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, Vk/a COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Terms JV'M N r- PRAECIPE TO ENTER JUDGMENT TO: PROTHONOTARY -c n? co Pursuant to Order of Court of October 3, 2011, enter judgment in the above-captioned matter against the Defendants, Laura E. Vazquez and Frank Russo, and in favor of the Plaintiff, Metro Bank, f/k/a Commerce Bank/Harrisburg, for r-, r u ,71 1. Foreclosure, sale and execution against real estate and improvements of the Defendants situate at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013, and more particularly described in Exhibit "A" which is attached hereto and incorporated herein by reference thereto; and 2. The sum of $425,537.57, plus additional interest and costs of suit. Dated: a a )) REAM, CARR, MARKS & WOLOSHIN,LLP ?.- - By: ?w I - Stev M. arr, Esq. 114-E. Market Street York, PA 17401 717-843-8968 PA 34336 4 W •oo P4 A77-f 0 gao8 eC90917 lq i L Exhibit A METRO BANK F/K/A COMMERCE BANK/ HARRISBURG, Plaintiff V. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 11-364 CIVIL TERM ORDER OF COURT AND NOW, this 3rd day of October, 2011, after a nonjury trial, it is ordered and directed that judgment in mortgage foreclosure is entered in favor of Metro Bank, f/k/a Commerce Bank/Harrisburg and against Defendants Laura E. Vazquez and Frank Russo, in the amount of $406,770.58, plus attorney's fees of $18,766.99, for a total of $425,537.57, plus costs and continuing interest, for the property situate at 1402 Longs Gap Road, North Middleton. Township, Carlisle, Cumberland County, Pennsylvania. Stev . Carr, Esq. East Market Street York, PA 17401 Attorney for Plaintiff Bret P. Shaeffer, Esq. 19 West South Street Carlisle, PA 17013 Attorney for Defendants :rc BY THE COURT, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, f/k/a COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants 11-364 Civil Term No . M0 CU ;3C .7Z? ° -V7 c!? N 7 . ,© C7 CERTIFICATE OF RESIDENCE I, Steven M. Carr, Esquire, attorney of record for the Plaintiff in the above-captioned matter, hereby certify the following: 1. Name and Address of Plaintiff: Metro Bank 3801 Paxton Street Harrisburg, PA 17111 2. Name and Last Known Residence of Defendants Laura E. Vazquez 1402 Longs Gap Road Carlisle, PA 17013 Frank Russo 1402 Longs Gap Road Carlisle, PA 17013 Dated: (- f r REAM, CARR & WOLOSHIN By: Steve Carr, squire 119 E. arket Street York, PA 17401 Phone: (717) 843-8968 Fax: (717) 846-4999 Email: carr20(a?aol.com PA 34336 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION AT LAW METRO BANK, f/Wa COMMERCE BANKIHARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Term n> rn o CO C=? 1 =X C" NON-MILITARY AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA : . SS: COUNTY OF YORK Before me, a Notary Public in and for the County of York, State of Pennsylvania, personally appeared Steven M. Carr, Esq., attorney for Plaintiff in the above-captioned action, who being duly sworn or affirmed according to law, deposes and says that to the best of his knowledge the Defendants above-named are not in the military service of the United States of America, and that he has personal knowledge that the said residence of the Defendants is 1402 Longs Gap Road, Carlisle, PA 17013. Sworn and subscribed to before me this day of VICL` , 2011. Notary Public COMMON."ArFALTH OF pENNIS` LVANIIA NO T rtii<T AL SEAL c DEBORAH L. CLICK, No:2fY Publi City of Yak, York Con 15 2014 BXP Comm isim IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, f/k/a No. 11-364 Civil Term COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant NOTICE OF THE ENTRY OF JUDGMENT TO: Laura E. Vazquez Frank Russo 1402 Longs Gap Road 1402 Longs Gap Road Carlisle, PA 17013 Carlisle, PA 17013 (X) NOTICE IS HEREBY GIVEN THAT A JUDGMENT IN THE ABOVE CAPTIONED MATTER HAS BEEN ENTERED AGAINST YOU IN THE AMOUNT OF $425,537.57, AND FOR FORECLOSURE, EXECUTION AND SALE OF REAL ESTATE AND IMPROVEMENTS SITUATE AT 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013, MORE PARTICULARLY DESCRIBED IN EXHIBIT "A" WHICH IS ATTACH HE TO, hono ary o timberland County Civil Division By: If you have any questions regarding this Notice, please contact the attorney for the filing party: Steven M. Carr, Esquire Ream, Carr, Markey & Woloshin, LLP 119 East Market Street York, Pa. 17401 I.D. 34336 Phone 1-717-843-8968 Fax 1-717-846-4999 Attorney for Plaintiff (This Notice is given in accordance with Pa. R.C.P. 236) NOTICE SENT TO: Laura E. Vazquez 1402 Longs Gap Road Carlisle, PA 17013 Frank Russo 1402 Longs Gap Road Carlisle, PA 17013 F IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, F/K/A COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants No. 11-364 Civil Term Amount: $425,537.57 Interest from: C Costs: r°c , Pitt Paid: z? "I< mar= Deft. Paid: c Due Prothy• . -mac co CD -; Other Costs : .c .. PRAECIPE FOR WRIT OF EXECUTION - MORTGAGE FORECLOSURE TO THE PROTHONOTARY OF SAID COURT: Issue writ of execution in the above captioned Date: J J Ia J _l it Steven Cah,'Esq. Ream, C , Markey & Woloshin LLP 119 E. M ket Street York, PA 17401 Phone: 717-843-8968 Supreme Court ID: 34336 Attorney for Plaintiff WRIT OF EXECUTION - MORTGAGE FORECLOSURE COMMONWEALTH OF PENNSYLVANIA: . SS: COUNTY OF CUMBERLAND TO THE SHERIFF OF SAID COUNTY: 0 .#aq.oo Pa A,-r`Y 4q.8q Ct3F qa. oo a5. oo 14,oo " a.5o " 010?.3'? - P4 A?n`? To satisfy the judgment, interest and costs in the above-captioned case, you are directed to levy upon and sell the property described in the attached description. Date: Prothonotary By: Deputy $a.oo Due Co .6o t.L Cr 9001 ALL that ertatr?t ln.doa Towns* Pennsylvania, wear nt gibed-as f lows, to wilt: BEGIM -a ow at 0j thence through 1' Lot #4; xt 30E 358.24 feet --toa bearing and distance: - feet to a mint beii? 'M concrete monowt 38-22W-154.12 feet-1 thence along .4di* Deed Book 179; Page lands N /F of Conrad) feet to a-point being: point :being be-sett dbxe along th sari way 1ine, of T 494, nrknatightf-a line of Longs-, Gap-ft 4- 9 'wlhe centerline being the n wo M-e of 7? 8 ?t a point; theme d i e? a coneto theleft; said rurvetwft'' i 4-4,4E, 3614--feet, a radius of 1765:40 feet, and an art c of 36614 , : Aer #6,-thence thr T-494 S21-M1Wx,001 a ? .t ,fit r r lire Df Longs Gap tad; the i it # 1 of Qy. I, Stouffer,, 06 6 6 ft 7 1 6: t to an exdN iron 0 at lands NIF of bbrA r e e ;=t alg ss 570+194 235,67 feet to an egg it W 31 , Rage 51.6, thence along said lands 78 1.14 anon i R thence along Cot #2 N42-58-8 2 46-etb a a e g 1 .#4N28-16-34E 462.54=e..a pd? ,; OMNW& 4041-feetto a cons-te monu 1 nt on -seutk-.? -l gal r f . the ?h6f" k4 'A 1i r?mK fit I CONTWNG 17. , _ -s; :ass 6 r+' R*t-.0fVa Area, equals 16,724-Net'-Acres. BEING LOT #S nn,e Einaf ova an_for nple gown oration, prepared- is 1 i P t..S., dated 2-7 2Ofl , and recorded 6 3 28.05 in Plan.Book 96 Page 148. BEING PARCEL. N0. 29.05.0425.448 PROPERTY ADDRESS: 1.402 Longs Gap Road, North Middleton Twp., Carlisle, Cumberland rn"nt-v-.' RA 17013 Exhibit A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK, F/K/A No. 11-364 Civil Term; COMMERCE BANKMARRISBURG, Jw _. ; Plaintiff n ms m s= vs. rJ C? CO • °- 4 4?.1 LAURA E. VAZQUEZ and FRANK RUSSO, -C D Defendants Action in Mortgage Foreclosure AFFIDAVIT PURSUANT TO RULE 3129.1 Steven M. Carr, Attorney for Plaintiff in the above action, sets forth as of the date the praecipe for the writ of execution was filed to the following information concerning the real property located at: 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA, 17013, more particularly described on Exhibit A attached hereto 1. Name and Address of Owner(s) or Reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) Laura E. Vazquez Frank Russo 1402 Longs Gap Road, Carlisle, PA 17013 1402 Longs Gap Road, Carlisle, PA 17013 2. Name and Address of Defendant(s) in the Judgment: Name Address (if address cannot be reasonably ascertained, please so indicate) Laura E. Vazquez 1402 Longs Gap Road, Carlisle, PA 17013 Frank Russo 1402 Longs Gap Road, Carlisle, PA 17013 3. Name and Address of every Judgment Creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please so indicate) Metro Bank 3801 Paxton Street, Harrisburg, PA 17111 Knisely's Pet & Farm Center 1025 Rimer Highway, Carlisle, PA 17013 Advantage Assets II, Inc. 7322 Southwest Freeway, Houston, TX 77074 P Name and Address of the last recorded holder of every mortgage of record: Name Metro Bank Pennsylvania Housing Finance Agency Address (if address cannot be reasonably ascertained, please so indicate) 3801 Paxton Street, Harrisburg, PA 17111 211 North Front Street, P.O. Box 15530 Harrisburg, PA 17105-5530 Name and Address of every other person who has any record lien on their property: Name Address (if address cannot be reasonably ascertained, please so indicate) 6. Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) Name and Address of every other person of who the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Sec. 4904 relating to unsworn falsification to authorities. Dated: ( Q? pZ l Stev M. Cart, Rea Carr, Markey & Woloshin, LLP 119 st Market Street York, PA 17401 Telephone (717) 843-8968 Sup Ct. I.D. No. 34336 Attorney for Plaintiff P. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, F/K/A COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Term c ; MW n-- ? T> oo . < am `rt ' c ., . 2n 4= 77 Action in Mortgage Foreclosure < NOTICE OF SHERIFF'S SALE PURSUANT TO PA. R.C.P. 3129.2 NOTICE IS HEREBY GIVEN to the following parties who hold one or more mortgage, judgment or tax lien against the real estate of Laura E. Vazquez and Frank Russo, situate at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013, more particularly described on Exhibit A attached hereto (LIST OF LIENHOLDERS AND ADDRESSES): Pennsylvania Housing Finance Agency 211 North Front Street P.O. Box 15530 Harrisburg, PA 17105-5530 Knisely's Pet & Farm Center 1.025 Ritner Highway Carlisle, PA 17013 Advantage Assets II, Inc. 7322 Southwest Freeway Houston, TX 77074 You are hereby notified that on Wednesday, March 7, 2012, at 10:00 A.M., Prevailing Time, by virtue of a Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, on the judgment of Metro Bank, f/k/a Commerce Bank/Harrisburg, Plaintiff, vs. Laura E. Vazquez and Frank Russo, Defendant, No. 11-364, the Sheriff of Cumberland County, Pennsylvania, will expose at Public Sale in the Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013, real estate of Defendant, Laura E. Vazquez and Frank Russo, identified as 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013. A description of said real estate is hereto attached. You are further notified that a Schedule of Proposed Distribution will be filed by the Sheriff of Cumberland County no later than 30 days after sale, and distribution will be made in accordance with the Schedule unless exceptions are filed thereto within ten (10) days thereafter. You are further notified that the lien you hold against said real estate will be divested by the sale and that you have an opportunity to protect your interest, if any, by being notified of said Sheriff Sale. Date: i ( I "R 6? I 1 REAM, CARR, MARKEY & WOLOSHIN LLP By: St ve M. Carr, s 119 Market Street York, PA 17401 Telephone: (717) 843-8968 Sup. Ct. I.D. 34336 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK, F/K/A COMMERCE BANK/HARRISBURG, Plaintiff vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Term Action in Mortgage Foreclosure NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129.2 TAKE NOTICE: ?M o to r` rv : x? c -<> C1D J r- ? '-' <= ;> r 1 m That the Sheriff's Sale of Real Property (real estate) will be held on Wednesday, March 7, 2012, in the Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013, at 10:00 A.M., Prevailing Time. THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION OF' your property to be sold is: 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013, more fully described on Exhibit A attached hereto THE JUDGMENT under or pursuant to which your property is being sold is docketed to: Metro Bank, Fk/a Commerce Bank/Harrisburg v. Laura E. Vazquez and Frank Russo, No. 11-364 The name of the owner or reputed owner of this property is: Defendants, Laura E. Vazquez and Frank Russo A SCHEDULE OF DISTRIBUTION, being a list of the persons and or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff within thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the schedule of distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, Pennsylvania, Cumberland County Court House, ICourthouse Square, Carlisle, Pennsylvania 17013, Telephone: 1-717-240-6390. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a judgment against you. It may cause your property to be held to be sold or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Phone: 717-249-3166 or 1-800-990-9108 THE LEGAL RIGHTS YOU MAY HAVE ARE: You may file a petition with the Court of Common Pleas of Cumberland County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of a legal defect in the obligation or procedure used against you. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriff's Deed is delivered. A petition or petitioners raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County at one of the Court's regularly scheduled business court sessions. The petition must be served on the attorney for the creditor at least two (2) business days before presentation to the Court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator, Cumberland County Court House, 1 Courthouse Square, Carlisle, Pennsylvania 17013, Telephone: 1-717-240-6200. Dated: -11 - I 1 LLP MARKEY & WOLOSHIN By: 119E t Market Street York, 17401 Telep e17-843-8968 Attorney I.D. 34336 Attorney for Plaintiff WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 11-364 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due METRO BANK, f/Wa COMMERCE BANK/HARRISBURG, Plaintiff (s) From LAURA E. VAZQUEZ and FRANK RUSSO (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $425,537.57 L.L.: $.50 Interest Atty's Comm: % Due Prothy: $2.00 Atty Paid: $207.34 Other Costs: Plaintiff Paid: Date: 11 /281111 / V Cavid D. Buell rothonotary (Seal) By: Deputy REQUESTING PARTY: Name: STEVEN M CARR, ESQUIRE Address: REAM, CARR, MARKEY & WOLOSHIN LLP 119 E. MARKET STREET YORK, PA 17401 Attorney for: PLAINTIFF Telephone: 717-843-8968 Supreme Court ID No. 34336 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, F/K/A COMMERCE BANK/HARRISBURG, Plaintiff VS. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Term C- -r11 Action in Mortgage Foreclosure Y- 7425 (c)L2) CONSENT TO -SALE f`.) Z-' l aao w C0 The United States consents to the Sheriff's Sale of the property situate at 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013 - UPI #29-05-0425- 048 , free and clear of the lien of the United States. M Received UNITED STATES OF AMERICA sssE - AIQ Advisory, Group 3 Department of Treasury Internal Revenue Service EB 0 3 2012` ._d Internal Revenue service Date: Philade hia, PA By: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION: LAW METRO BANK, F/K/A COMMERCE BANKMARRISBURG, Plaintiff Vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant No. 11-364 Civil Term Action in Mortgage Foreclosure NOTICE OF NON-JUDICIAL SALE PURSUANT TO SECTION 7425(B) OF THE INTERNAL REVENUE CODE IN RE: METRO BANK, F/K/A COMMERCE BANK/HARRISBURG v. LAURA E. VAZQUEZ AND FRANK RUSSO No. 11-364 Civil Term TAXPAYER(S): Frank Russo, Sr. TAXPAYER I.D.#: xxx-xx-1714 TAX LIEN: Filing ## 11-8958 FTL GENTLEMEN: COUNTY OF CUMBERLAND COMMONWEALTH OF PENNSYLVANIA Amount of Lien $11,159.08 Date Lien Filed Dec. 2, 2011 Serial # 830127711 1. The name and address of the person submitting the notice of sale: Steven M. Carr, Esq. Ream Carr Markey & Woloshin LLP 119 East Market Street York, PA 17401 I.D. #34336 Phone: 717-843-8968 Fax: 717-846-4999 Email: carr20@aol.com Attorney for Plaintiff, Metro Bank 2. Attached to this notice is a copy of each Notice of Federal Tax Liens (Form 668) affecting the property to be sold: Fil_ ina # Amount of Lien Date Lien Filed Serial # 11-8958 FTL $11,159.08 Dec. 2, 2011 830127711 3. The property to be sold and the terms of the sale are as follows: 3.1 The location of the property to be sold and a full description of the property: 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013 - UPI #29-05-0425-048 3.2 The date, time and location of sale: Date: March 7, 2012 Time: 10:00 a.m. prevailing time Place: Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013, 3.3 Terms of Sale: Ten (10%) percent of bid price at time of sale, remainder amount due within ten (10) days of the Sheriff's Sale. 4. The details of the indebtedness and the expenses of sale are as follows: 4.1 Amount of the Principal Obligation: $406,770.58 4.2 Amount of Interest as of date of sale 4.3 Late Charges 4.4 Other expenses charged against the sale proceeds: Legal Fees/Costs 18,766.99 4.5 Total $425,537.57 5. Present status of liens against the real estate and improvements described in paragraph 3.1 in order of priority: First Mortgage in favor of Metro Bank dated 8/18/08 and recorded 8/22/08 at Instrument No. 200828758 $425,537.57 Mortgage in favor of Pennsylvania Housing Finance Agency dated 11/6/09 and recorded 11/17/09 at Instrument No. 200938619 10,500.00 Mortgage in favor of Pennsylvania Housing Finance Agency dated 12/8/09 and recorded 12/30/09 at Instrument No. 200942989 3,000.00 Judgment in favor of Knisely's Pet & Farm Center entered May 19, 2010 at No. 2010-3348 2,490.29 Judgment in favor of Advantage Assets U, Inc. entered 7/11/11 at No. 2011-4540 5,278.03 This Notice of Sale is submitted in duplicate and I request that the duplicate copy of this notice be acknowledged and returned to me. Dated: I " '7J" / - l Steven M. Carr, Esq. Ream Carr Markey & Woloshin LLP 119 E. Market Street York, PA 17401 Ph: 717-843-8968 Fax: 717-846-4999 PA 34336 T Department of the Treasury - Internal Revenue Service F a 66111 M(c) Nadce of Federal Tax Lien SRev. FOmwv 2004) A Serial Number Fora o nes Use Reoord in OMcs rea: SMALL SUSINSSS/S$LF BMPLOYSD ARSA 111 Lion Unit Phone: (800) 913-6050 830127711 f As pm "d by sKdm 6321, 63231 sad 6333 of the Internal Renreaae Code, we an dvlap a soda diet taxes (Isdu ft latwen mW PaWd s) ban bm assessed 88AW the taYoMA-14 ued taap)afer. We haw made a demand for psyeasat of tbk Babi ft, bar k rasu s m odd. TWO&* c? •?.? Y then k a idea In 1Ww of the tltllted State: on A property aad row to 3 ° -? propw q Was" to tbk taxpayu- for the ampm of these taxes; and Zt?*1 A rn? AddMond pe Wdo, iiateeeet, and costs that may aocraa. Zw cs -urn o© Name of Taxpayer O Irk ??' fv 2 ° 1402 LONGS GAP ED CARLISLE PA 11701 <o Y, n O 1402 LONGS GAP RD R CARLISLE, PA 17013 NT RELEASE MFORMATICN: For each assessment listed below, union notice of the lien is refilled by the date given in column (a). this notice shall, F following such data, operate as a cartHicate of release as defined py? r s Z 9 IRC (a). 1 ' (,? o Tax ledod Date of Last for [h MUM" Kind of Tax E111114" Ide111101bg Maatber As:ssseat KdM" of Assess>ereat a b c L 1040 12/31/2006 XXX-XX-1714 03/28/2011 04/27/2021 4542.59 1040 12/31/2007 XXX-XX-1714 03/28/2011 04/27/2021 1867.56 1040 12/31/2008 XXX-XX-1714 03/28/2011 04/27/2021 4748.93• Place of Filing Prothonotary Cumberland Country Carlisle, PA 17013 Total 1 $ 1115 9.08 This notice was prepared and signed at DETROIT, MI the 16th day of November 2011 - - , on this, Signature f f M MM OFFICER 21-06-3309 for M. SEES (71'8)_760-6007 (UM& CertMoate of officer aulhaited by law to take eaknowtedpment is not es"ntial to the validity of Notes of Federal Tax Yon Rev. Rui. 71-468,1971 . 2 C.B. 408) Form "GM(e) (Rev. 2-2004) Put 1 • Mpg By 1400r&W OMM CAT. NO BW25X PROPERTY.ADDRESS:: 1407 Longs Gap Road, Borth Middleton Twp., Carlisle Cumbez AAm4y-r-4h 17(43 Exhibit A SHERIFF`S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor j A: L JUL I I? "tJMBEIAio FJ § 6 PENNSYLVAkA Metro Bank vs. Frank Russo (et al.) Case Number 2011-364 SHERIFF'S RETURN OF SERVICE 12/29/2011 01/10/2012 01/10/2012 01/20/2012 03:18 PM - Deputy Shawn Gutshall, being duly sworn according to law, states service was performed y posting a true copy of the requested Real Estate Writ, Notice and Description, in the above titled action, upon the property located at 1402 Longs Gap Road, Carlisle, Cumberland County, PA 17013. 11:40 AM - Deputy Ronald Hoover, 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 t me personally handing a true copy to a person representing themselves to be the Defendant, to wit: Laura E. Vazquez at 1402 Longs Gap Road, North Middleton Township, Carlisle, PA 17013, Cumberland Count j. 11:42 AM - Deputy Ronald Hoover, 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 me personally handing a true copy to a person representing themselves to be Laura Vazquez (F)(AIC), who accepted as "Adult Person in Charge" for Frank Russo at 1402 Longs Gap Road, North Middleton Township, Carlisle, PA 17013, Cumberland County. Amended Affidavit of Service to Lienholders filed in Sheriffs Office 03/05/2012 Bankruptcy filed in Sheriffs Office 03/05/2012 As directed by Jack F Ream, Attorney for the Plaintiff, Sheriff's Sale Continued to 5/2/2012 05/02/2012 As directed by Jack F Ream, Attorney for the Plaintiff, Sheriff's Sale Continued to 7/11/2012 07/09/2012 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed" per letter of instruction from Attorney. SHERIFF COST: $898.81 SO ANSWERS, Ix. KZ? July 10, 2012 RON R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK, F/K/A COMMERCE BANK/HARRISBURG, Plaintiff vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendants No. 11-364 Civil Term Action in Mortgage Foreclosure AFFIDAVIT PURSUANT TO RULE 3129.1 Steven M. Carr, Attorney for Plaintiff in the above action, sets forth as of the date the praecipe for the writ of execution was filed to the following information concerning the real property located at: 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA, 17013, more particularly described on Exhibit A attached hereto 1. Name and Address of Owner(s) or Reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) Laura E. Vazquez Frank Russo 1402 Longs Gap Road, Carlisle, PA 17013 1402 Longs Gap Road, Carlisle, PA 17013 2. Name and Address of Defendant(s) in the Judgment: Name Address (if address cannot be reasonably ascertained, please so indicate) Laura E. Vazquez 1402 Longs Gap Road, Carlisle, PA 17013 Frank Russo 1402 Longs Gap Road, Carlisle, PA 17013 3. Name and Address of every Judgment Creditor whose judgment is a record lien on the real property to be sold: Name Metro Bank Knisely's Pet & Farm Center Advantage Assets II, Inc. Address (if address cannot be reasonably ascertained, please so indicate) 3801 Paxton Street, Harrisburg, PA 17111 1025 Ritner Highway, Carlisle, PA 17013 7322 Southwest Freeway, Houston, TX 77074 4. Name and Address of the last recorded holder of every mortgage of record: Name Metro Bank Address (if address cannot be reasonably ascertained, please so indicate) 3801 Paxton Street, Harrisburg, PA 17111 Pennsylvania Housing Finance Agency 211 North Front Street, P.O. Box 15530 Harrisburg, PA 17105-5530 5. Name and Address of every other person who has any record lien on their property: Name Address (if address cannot be reasonably ascertained, please so indicate) 6. Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) Name and Address of every other person of who the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Sec. 4904 relating to unsworn falsification to authorities. Dated: 1 ( - a pZ. - l Stev M. `Ca*, Re Carr, Markey & Woloshin, LLP 119 st Market Street York, PA 17401 Telephone (717) 843-8968 Sup Ct. I.D. No. 34336 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA METRO BANK, F/K/A No. 11-364 Civil Term COMMERCE BANK/HARRISBURG, Plaintiff vs. LAURA E. VAZQUEZ and FRANK RUSSO, Defendant Action in Mortgage Foreclosure NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129.2 TAKE NOTICE: That the Sheriff's Sale of Real Property (real estate) will be held on Wednesday, March 7, 2012, in the Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013, at 10:00 A.M., Prevailing Time. THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION OF your property to be sold is: 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013, more fully described on Exhibit A attached hereto THE JUDGMENT under or pursuant to which your property is being sold is docketed to: Metro Bank, f/k/a Commerce Bank/Harrisburg v. Laura E. Vazquez and Frank Russo, No. 11-364 The name of the owner or reputed owner of this property is: Defendants, Laura E. Vazquez and Frank Russo A SCHEDULE OF DISTRIBUTION, being a list of the persons and or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes), will be filed by the Sheriff within thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the schedule of distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, Pennsylvania, Cumberland County Court House, 1Courthouse Square, Carlisle, Pennsylvania 17013, Telephone: 1-717-240-6390. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. It has been issued because there is a judgment against you. It may cause your property to be held to be sold or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Phone: 717-249-3166 or 1-800-990-9108 THE LEGAL RIGHTS YOU MAY HAVE ARE: You may file a petition with the Court of Common Pleas of Cumberland County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a petition with the same Court if you are aware of a legal defect in the obligation or procedure used against you. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriff s Deed is delivered. A petition or petitioners raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of Cumberland County at one of the Court's regularly scheduled business court sessions. The petition must be served on the attorney for the creditor at least two (2) business days before presentation to the Court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator, Cumberland County Court House, 1 Courthouse Square, Carlisle, Pennsylvania 17013, Telephone: 1-717-240-6200. Dated: I + - 1 ` LLP MARKEY & WOLOSHIN By: 0 arket Street 119E t York, 7401 843-8968 Telep 17- Attorney I.D. 34336 Attorney for Plaintiff Exhibit A WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 11-364 Civil CIVIL ACTION -- LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due METRO BANK, Uk/a COMMERCE BANK/HARRISBURG, Plaintiff (s) From LAURA E. VAZQUEZ and FRANK RUSSO y (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $425,537.57 Interest Atty's Comm: % Atty Paid: $207.34 Plaintiff Paid: Date: 11/28/11 (Seal) L.L.: S.50 Due Prothy: $2.00 Other Costs: D D. Buell ?rothonotary By: Deputy REQUESTING PARTY: Name: STEVEN M CARR, ESQUIRE Address: REAM, CARR, MARKEY & WOLOSHIN LLP 119 E. MARKET STREET YORK, PA 17401 Attorney for: PLAINTIFF Telephone: 717-843-8968 Supreme Court ID No. 34336 TRUE COPY FROM RECD In Tcewony rNtaraof, I hers unto sat r and to sad of said e at t'.s le. E This jg of 20 On December 1, 2011 the Sheriff levied upon the defendant's interest in the real property situated in North Middleton Township, Cumberland County, PA, Known and numbered as, 1402 Longs Gap Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date December 1, 2011 By: Real Estate Coordinator c u < C U C r;J+'; ja(I CUMBERLAND LAW JOURNAL Writ No. 2011-364 Civil Term Metro Bank f/k/a Commerce Bank/ Harrisburg vs. Laura E. Vazquez and Frank Russo Atty.: Steven Carr ALL that certain lot or tract of ground situate in North Middleton Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a concrete monu- ment on the southern legal right-of- way line of Longs Gap Road, T-494; thence through T-494 N 35-08-52E 20.00 feet to a point on the centerline being the northeast corner of Lot #4; thence along said centerline S56-01- 02E 277.18 feet to a point; thence along the same S56-32-30E 358.24 feet to a point; thence along the same by a curve to the left, said curve hav- ing a chord bearing and distance of S62-29-04E 365.48 feet, a radius of 1765.00 feet, and an arc distance of 366.14 feet to a point being a north- ern corner of Lot #6; thence through T-494 S21-34-23W 20.00 feet to a concrete monument on the southern legal right-of-way line of Longs Gap Road; thence along Lot #6 S11-38- 22W 154.12 feet to an existing iron pin at lands n/f of Guy W. Stouffer, Deed Book 33G, Page 777; thence along said lands S70-24-19W 407.46 feet to an existing iron pin at lands n/f of John W. Weigle, Deed Book 179, Page 21; thence along said lands S70-19-45W 235.67 feet to an exist- ing iron pipe at lands n/f of Conrad W. Wagner, Deed Book 31-Z, Page 516; thence along said lands S70- 13-34W 361.14 feet to a point being an eastern corner of Lot #2; thence along Lot #2 N42-58-48W 492.63 feet to a point being the southern corner of Lot #4; thence along Lot #4 N28- 16-34E 462.94 feet to a point; thence along the same N44-00-52E 340.01 feet to a concrete monument on the southern legal right-of-way line T-494, being the place of Beginning. CONTAINING 17.185 acres, less 0.461 acres in right-of-way area, equals 16.724 net acres. BEING Lot #5 on a Final Subdivi- sion Plan for Triple Crown Corpora- tion, prepared by Louis J. Harford, P.L.S., dated 2-7-2005 and recorded 6-23-05 in Plan Book 90, Page 148. Being Parcel #29-05-0425-048. Known as 1402 Longs Gap Road, North Middleton Township, Carlisle, Cumberland County, PA 17013. 67 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 an( State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland La` Journal, a legal periodical published in the Borough of Carlisle in the County and State aforese 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 regularl; 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, 27, February 3, and February 10, 2012 Affiant further deposes that he is authorized to verify this statement by the Cuml Law Journal, a legal periodical of general circulation, and that he is not interested in the 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. Lisa arie Coyne, E rtor SWORN TO AND SUBSCRIBED before me this Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 i The Patriot-News Co. 2020 Technology Pkwy' Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 ZJe Patti* ot News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain, 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. Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and I aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 1' 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 daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she n Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this 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 behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted sel stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Record in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown Sworn t n subscribed befo ? this4 of, February, 2012 A. D. ?- Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Sherrie L. Owens, Notary Public Lower Paxton Twp., Dauphin County My Commission Expires Nov. 26, 2015 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES I• of the in the The Sunday itate 3th, 1949, their regular :)r said statement as statement on ,erally by the ng of Deeds iw: 01/27/12 02/03/12 02/10/12 2011-364 Chill Term Bank f/k/a Commerce Bank/Harrlsburg VS aura E. Vazquez and Frank Russo Atty. Steven Carr ALL that certain lot or tract of ground situate in North Middleton Township, Cumberland County, Pennsylvania, more Particularly bounded and described as follows, to wit: GINNING at a concrete monume the southern legal right-i'way be ongs Gap Road -494; thence thr 'f-494N 354)8-52E 20.00 feet to & point on the centerline being the ?n r of Lot #4; therK,'ng . S56-01-02E 277.18 feet to apont; thence along the same SW32 30E 358.24 feet to a point; then" along ft same l a a ord to angthe led E 365.48 f a Pius of 1765.00 feet and an arc distance of 366:14 feet to a point being a norrem corner of Lot #6; thence through T-4# 521-34-23W 20.00 feet It monument on & southern legal right- 'of-way lime of Longs Cap Roat thence along Lot #6 S}138-22W 154.12 feet to an existing iron pin at lands nff fence Stouffer,Deal%*M, Page 777; at24 .46 feet to *8 SW n S70-24-19W an ezistut$ i"M Pm . bas *1 of John w. Wtig* Deed Book 179, Pagt 21> thence ako 6 miq.45w2307 feet to an irou pipe alndsnlfafConrad W. Dead Boot 31.Z, pap 516; then4 dog said lairds 570-13.34W361.14 feet to a point being 0 "Stm Conti of Lot #2; thence ing Lot #2N42?58-08W 492.63 feet to a point being the southern comer of Lot #4; thence along Lot #4 N28-16-34E 462.94 feet to a point; thence along the same N44-00-52E 340.01 feet to a concrete monument on the southern legal of right-of-way line T-494, being the place CONTAINING 17.185 acres, less 0.461 acres in right-of-way area, equals 16.724 net acres. BEING Lot #5 on a Final p lion Plan for Thple Crown Corporation by Louis I. Harford, PI-S., dated and recorded 6-23-05 in plan Book 90, a 5 Page 148. Being Parcel #29-05-0425-048 ad, North Known as 1402 Longs Gap R Cumberland Mid,TetonTownship, Carlisle, County, PA 17013