The URL can be used to link to this page

Home My WebLink About11-6491k ' C-(a UI??iL? k-4 uTA fik ERLAND COUN 1 v 'SYLVASIA Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1sT FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. k 1-L4LACk\ ClY1? CIVIL ACTION -LAW MORTGAGE FORECLOSURE NOTICE TO DEFEND AND CLAIM RIGHTS THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. 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 witho ua? afkt %qa m(T-14 C,k4 1199 R?a?33?s 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 claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 NOTICIA Le han demandado a usted en la corte. Si usted guiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notification. Usted debe presentar una apariencia escrita o en persona o por abogado y archivar en la corte en forma escrita sus defensas o sus objectiones a las demandas en contra suya. Se ha avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notification y por cualquier queja o alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE O CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SU PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. SECTION 1692 et seq.(1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. UNLESS YOU DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF WITHIN THIRTY (30) DAYS OF THE RECEIPT OF THIS NOTICE, COUNSEL FOR PLAINTIFF WILL ASSUME THE DEBT TO BE VALID. IF DEFENDANT(S) NOTIFY COUNSEL FOR PLAINTIFF IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND MAIL TO DEFENDANT(S) WRITTEN VERIFICATION OF THE DEBT. LIKEWISE, IF DEFENDANT(S) PROVIDE COUNSEL FOR PLAINTIFF WITH A WRITTEN REQUEST WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THE THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUESTS US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND/OR RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. Karl M. Ledebohm, Esq. P.O. Box 173 New Cumberland, PA 17070-0173 (717) 938-6929 MEMBERS 1 ST FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA C/O THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.. CIVIL ACTION-LAW-MORTGAGE FORECLOSURE COMPLAINT AND NOW, comes Members 1St Federal Credit Union, the Plaintiff in the above captioned matter, by and through its attorney Karl M. Ledebohm, Esquire, and makes the following complaint: 1. Plaintiff, Members 1St Federal Credit Union ("Members 1St"), is a National Federal Credit Union having a principal address of 5000 Louise Drive, Mechanicsburg, PA 17055. 2. Defendant, Diana L. Summers ("Defendant"), is an adult individual having a last known address of 5446 Oxford Drive, Mechanicsburg, PA 17055. 3. Defendant, The United States of America (the "United States of America") has a last known address of c/o The United States Attorney for the Middle District of Pennsylvania, Federal Building, 228 Walnut Street, Suite 220, P.O. Box 11754, Harrisburg, PA 17108-1754. 4. The United States of America is made a Defendant herein pursuant to 28 U.S.C. Section 2410 due to the federal tax lien (the "Federal Tax Lien") filed in the Prothonotary's Office for York County on behalf of the United States by US Treasury Department on or about 9/24/2008 as follows: Department of Treasury- Internal Revenue Service, Wage & Investment Area #1 vs. Diana L. Summers, Cumberland County docket no.: 2008-5650, as more particularly set forth in IRS Form 668(Y)(c), a copy of which is attached hereto as Exhibit "A" and made part hereof. 5. The lien of the Federal Tax Lien attached to the Property under applicable Pennsylvania Law Senior to that of the Mortgage which is the subject of this foreclosure and which is described in paragraphs 7 and 8 below. 6. On or about July 16, 2010, Defendant borrowed from and agreed to repay to Members 0 SEVENTY-SEVEN THOUSAND NINE HUNDRED dollars 2 ($77,900.00) (the "Loan"). The Loan is evidenced by a Balloon Note dated July 16, 2010 (the "Note") executed and delivered to Members 1 ' by Defendant. A copy of the Note is attached hereto as Exhibit "B" and made part hereof. 7. As security for the Loan, Defendant executed and delivered to Members 1 S' a mortgage ("Mortgage") on all that certain real estate and improvements erected thereon situate in the Borough of New Cumberland, Cumberland County, Pennsylvania, known and numbered as 212 Rosemont Avenue, New Cumberland, PA 17070 (the "Property"). At all times relevant hereto, Defendant has been and continues to be the record and sole owner of the Property. A description of the Property is attached hereto as Exhibit "C" and made part hereof. 8. On or about July 27, 2010, the Mortgage was recorded in the Cumberland County Recorder of Deeds Office at Instrument No.: 201020294. A true and correct copy of the Mortgage is attached hereto as Exhibit "D" and made part hereof. 9. The Mortgage has never been assigned by Members 0 and is still held by it as a valid and subsisting obligation of Defendant. 10. Pursuant to the terms and conditions of the Note, Defendant agreed to pay to Members 1 s' monthly installments of principal and interest in the amount of at least $473.33 together with monthly escrow beginning on September 1, 2010 and continuing on or before the 1 S' of each month thereafter. 11. Defendant is in default of Defendant's obligations under the Note and the Mortgage as a result of Defendant's failure to make the monthly payments due to Plaintiff as set forth therein in the amount of $473.33 together with monthly escrow in the amount of $171.60 or a total monthly payment in the amount of $644.93 for the months of February through August, 2011, as more particularly described, in part, in the Act 91 Notice attached hereto as Exhibit "E" and made part hereof. 12. Members 1St, through its loan servicing agent, Midwest Loan Services, Inc., ("Midwest") caused to be given written notice of its intent to foreclose Pursuant to the Act of January 30, 1974, P.L. 13, No. 6, 41 P.S. section 101, et. seq., ("Act 6") and in particular section 403 thereof, and of Defendant's rights in accordance with the Homeowners' Emergency Mortgage Assistance Act, Act of December 23, 1983, P.L. 385, No 91, 35 P.S. Section 1680.401(c), et. seq. ("Act 91"), by letter dated April 14, 2011, addressed to Defendant at Defendant's last known address set forth in paragraph 2 above and the Property via certified mail, return receipt requested. A copy of the said notice is attached hereto as Exhibit "E" and made part hereof. 13. US Postal Shipment Request and Track & Confirm restoration forms evidencing the mailing of said Notices are attached hereto as Exhibit "F" and made part hereof. 14. Simultaneously, Members I", through Midwest, caused to be forwarded to Defendant the same Notices addressed to the same addresses as set forth in paragraph 12 above by United States mail, first class, postage prepaid, bearing 4 the return address of Midwest. The Notices forwarded to Defendant in said 15. 16. 17. manner have not been returned to the offices of Members 1St or Midwest as undeliverable or otherwise. Any and all applicable stay periods imposed under Act 6 and/or Act 91 have expired. Defendant is indebted to Members 1St in the amount of EIGHTY-THREE THOUSAND FOUR HUNDRED FORTY AND 35/100 ($83,440.35) dollars itemized as follows: a. Outstanding principal $77,517.54 b. Interest to August 17, 2011 2,957.12 c. Late charges 165.69 d. Attorney's fees 2,800.00 e. Total due to Members 1St $83,440.35 The above attorney's fees are calculated through sheriff's sale and are in accordance with Defendant's agreements as set forth in the underlying Mortgage and the Note. Defendant will be responsible for actual reasonable legal fees incurred by Members 1St in this matter as of the date of payment, which may be more or less than stated above subject to any limitation contained in the Note, if any. Defendant also agreed under the terms and conditions of the Note that in the event of default there under Defendant would pay, in addition to the amounts set forth in paragraph 16 above, costs incurred by Members 1St as a result of the institution and prosecution of these legal proceedings. 5 Respectfully submitted, Date: Karl M. Ledebohm, Esq. Supreme Court ID # : 59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff 7 Fiiimn 6" (Y)(c) Deparlament of the Treasury - Internal Revenue Service Iriav. Fo1p my 2004) Notice of Federal Tax Lien A 9 C2% AC r, Aces. Serial Number For Optional Use b Recording Office 1ii11i3R is IXVXBTKINT AREA #1 Lien Urdt Plexle; (800) 829-7 q 472654608 TJ? 1-77 VJ9' dU "?J As 1-0 11r, and 6323 of dw Internal Re-a we ' =WMZ X31 !? Code, we aer t taxes (bdudin barest and pauddes) have 6eea asseserd rrt t1le" Of001108iHmed taxpayer. We have made ;? I y PSG a demand for payer of tide Sh?, lllrrt It remahlls wgWd. Therellors, there Is a Ben In favor of dw Untied States on an property and rights to na PrOPMY beioagtag to dds taxpayer for the amount of these taxes, and C addidonA penaida, interest, and casts that may accrue. rn rn T M Name of Taxpayer DIANA L SUMMERS E -° ?F { 0 3 7 Residence 1308 LOUISA LN APT 2 : F =Z 1- n 6 m MECHANICSBURG, PA 17050 Co N IMPORTANT RELEASE INFORMATION: For each assessment fisted below, F unless notice of the lien is refiled by the date given in column (e), this notice shelf, on the day following such date, operate as a certificate of release as defined in IRC 632b(a). Kind of Tax Tax Pe&d Endlng IdaWfyhtg Number Date of Assessment Last Day for Re Unpaid Balance of Assessment a c d (e) M 1040 12/31/2006 XXX-XX-6014 11/12/2007 12/12/2017 11265.41 riace of Filing Prothonotary Cumberland County Carlisle, PA 17013 Total j $ 11265.41 This notice was prepared and signed at DETROIT, MI the Signature 11th day of September 2008 , on this, for DEBRA K. HURST Title ACS (800) %nw am s o officer auftdzed I Rev. Rui. 71-466, 1971 - 2 C.B. 409) Exhibit "A" 11-00-0000 829-7650 e validity of Notice of Federal Tax lien Form 66SM(c) (Rev. 2-2004) CAT. NO 60025X BALLOON NOTE LOAN #: SUM282003 (FIXED RATE) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE; OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. JULY 16TH, 2010 MECHANICSBURG PA ['Date) [City] [State] 212 ROSEMONT AVE, NEW CUMBERLAND, PA 17070 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U, S. $ 77, 900.00 (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is MEMBERS 1ST FEDERAL CREDIT UNION I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The 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 6,125 %. The interest rate required by Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the 1ST day of each month beginning on SEPTEMBER 1ST, 2010 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 as of its scheduled due date and will be applied to interest before Principal. If, on AUGUST 1ST, 2040 , 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 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 or at a different place if required by the Note Holder MULTISTATE BALLOON NOTE (FIXED RATE) Viple Family - Freddie Mac UNIFORM INSTRUMENT Form 3290 1/01 M O Wolters Kluwer Financial Services VMP869N (0804).00 Initials Page 1 of 4 Exhibit "B" (B) Amount of Monthly NyMents "4} ''' 'r' payments will be in the amount of U. S. $ 473.33 4. BORRONA ER'S RIGHT TO PREPAY I have the ; ht 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, I will tell the Note Holder in writing that I am doing so. I may not designate a payrr:ent is Prepayment if I have not made all the monthly payments due under the 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 the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of rely monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a taw, 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 sum already collected from me which 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. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of FIFTEEN 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 which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I 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 I am in default at a later time. M Sin ULTISTATE BALLOON NOTE (FIXED RATE) VMPe Family - Freddie Mac UNIFORM INSTRUMENT Form 3290 1101 Wolters Kluwer Financial Services VMP889N (0804).00 Initials: 4tS Page 2 of 4 F'. Pa%ment of tiote Hol lees Costs and Expenses i the rote I-[older has required me to pay immediately in full as described above, the Note Holder will have the right to be paiel me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expo r? rlt:lude. for example, reasonable attorneys' fees. 7. GIN I'NO I t It NOTICES Unless app:i;:at,ic ;rtis requires a different method, any notice that must be given to me under this Note will be given by delivering it or t>s nrail:ng 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. Any notice that must be given to the Note Holder under this Note will be given by delivering it or 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 8. 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 the 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. 9. 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. 10. 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 which might result if I do not keep the promises which 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 the Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. 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. MULTISTATE BALLOON NOTE (FIXED RATE) Single Family - Freddie Mac UNIFORM INSTRUMENT VM Form 329D 1/Oi O Wolters Kluwer Financial Services VMP869N e Initials. Page 3 3 of 4 of 4 W11 -NESS I alt' HAND(S) AND SEAL(S) OF THE UNDERSIGNED. 0 ?C?' - Seal DIANA L SMOUE'RS -Borrower - (Seal) -Borrower -(Seal) -Borrower - (Seal) -Borrower _ (Seal) -Borrower -(Seal) Borrower _ (Seal) -Borrower _ (Seal) -Borrower [Sign Original Only] MULTISTATE BALLOON NOTE (FIXED RATE) VMp Family -Freddie Mac UNIFORM INSTRUMENT O Wolters Kluwer Financial Services Form 3290 ii01 VMP869N a(0804) 00 f 4 ge 4 4 of 4 Initials. j??_ Page ALL THAT CERTAIN lot of land in the Borough of New Cumberland, Cumberland County, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Block "E", in the Plan of Lots known as the Rosemont Addition to the Borough of New Cumberland, recorded at Carlisle, Pennsylvania, in the Recorder of Deeds Office, in Deed Book "N", Volume 5, Page 498, and more fully bounded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Rosemont Avenue, 26 feet to a point; thence westerly at right angles and through the center wall of a double house, 140 feet to Beech Alley; thence southerly along Beech Alley, 26 feet to Ross Alley; thence easterly 140 feet to the place of BEGINNING. HAVING THEREON ERECTED one-half of a two and one-half story double frame dwelling known and numbered as 212 Rosemont Avenue, New Cumberland, Per4isylvania. Under and subject to rights of adjoining owner in and to common party wall. Being the same premises which Matthew J. Szejk and Rebeca B. Szejk by their deed dated May 16, 2003 and recorded in the Cumberland County Recorder of Deeds office at Deed Book 257, Page 481 granted and conveyed onto Diana L. Summers. Being Tax Parcel No.: 25-25-0006-159 Exhibit "C" d?agy lIIIIIIIIIIWI?? 001 W21 n?\ Prepared By: Return To: MFMERS 1ST FEDERAL CREDIT UNION 5000 LOUISE DRIVE MECHANICSBURG, PA 17055 717-795-6026 Parcel Number: 25-25-0006-159 Premises: 212 ROSEMONT AVE NEW CUMBERLAND, PA 17070 (Space Above This Line For Recording Datal MORTGAGE 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 JULY 16TH, 2010 together with all Riders to this document. (B) "Borrower" is DIANA L SUMMERS, A SINGLE WOMAN Borrower is the mortgagor under this Security Instrument. PENN SYLVANIA•Single Family-Fennie MaWFreddie Mac UNIFORM IN STRUM ENT VMP® Form 3039 1/01 Wolters Kluwer Financial Services VM P6(PA) (0907),00 Page 1 of 17 Exhibit "D" (C) "Lender" is MEMBERS 1ST FEDERAL CREDIT UNION Lender is a FEDERAL CREDIT UNION organized and existing under the laws of UNITED STATES OF AMERICA Lender's address is 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated JULY 16TH, 2010 The Note states that Borrower owes Lender SEVENTY SEVEN THOUSAND NINE HUNDRED AND NO1100. Dollars (U.S. $ 77, 900.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than AUGUST 1ST, 2040 (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]: ? Adjustable Rate Rider [? Condominium Rider ? Second Home Rider ? Balloon Rider ? Planned Unit Development Rider [E 1-4 Family Rider ? VA Rider ? Biweekly Payment Rider ? Other(s) [specify] (I-I) "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. (.n "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) 'Tscrow 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP@ Form 3039 1101 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 2 of 17 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. Section 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 COUNTY [Name of Recording Jurisdiction] SCHEDULE "A" ATTACHED which currently has the address of 212 ROSEMONT AVE [Street] NEW CUMBERLAND [City], Pennsylvania 17070 [Zip Code] ("Property Address"): PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP@ Form 3039 1101 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 3 of 17 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP® Form 3039 7/07 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 4 of 17 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. 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP® Form 3039 1101 Wolters Kluwer Financial Services Page Page e 5 5 o 0fl 17 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. 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 coveraee-" and anv PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMPQ Form 3039 1101 Wolters Kluwer Financial Services VMP6(PA) (0907) 00 Page 6 of 17 ,. A 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 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP® Form 3039 1/01 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 7 of 17 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 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. PENNSYLVANIA-Single Family-Fannie Mae/Fred die Mac UNIFORM IN STRUM ENT VMP® Form 3039 1/01 WONSM Kluwer Financial Services VMP6(PA) (0907).00 Page 8 of 17 ; 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. 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 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 anv written aurPPmPnt }h'-hu n Q_-r.,..,__ __a PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMPe Form 3039 1/01 Wopaa KWwar Financial Services VM P6(PA) (0907).00 Page 9 of 17 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 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. PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP® Form 3039 1/01 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 10 of 17 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 co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP® Form 3039 1/01 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 11 of 17 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. PENNSYLVANIA-Single Family-Fannie M ae/Freddie Mac UNIFORM INSTRUMENT VMPQ Form 3039 1101 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 12 of 17 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 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMPp Form 3039 1/01 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 13 of 17 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 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 PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP@ Form 3039 1101 Wollers Kluwer Financial Services VMP6(PA) (0907).00 Page 14 of 17 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 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. PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMPO Form 3039 vol Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 15 of 17 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. Witnesses: 4V _4(dljW44iQ,,a,_4Seal ) DIANA L SUMMERS -Borrower (Seal) -Borrower (Seal) -Borrower _ (Seal) -Borrower (Seal) -Borrower _ (Seal) -Borrower _ (Seal) -Borrower _ (Seal) -Borrower PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 1101 VMPO WoNers Kluwer Financial Services VMP6(PA) (0907) of 0 Page 16 6 of 17 COMMONWEALTH OF PENNSYLVANIA, CUMBERLAND On this, the 16TH day of JULY 2010 undersigned officer, personally appeared DIANA L SUMMERS County ss: , before me, the known to me (or satisfactorily proven) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: S l?`c Title of Officer NOTARIAL SEAL DIANE M SMITH Notary Public MECHANICSBURG BORO, CUMBERLAND CNN My Commission Expires Jun 22, 2012 Certificate oee 0?2 r?fVf do hereby certify that the correct address he within-named Mortgagee is 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 Witness my hand this 16TH day of JULY 2010 Agent of Mortgagee PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM IN STRUM ENT VMP® Form 3039 1101 Wolters Kluwer Financial Services VMP6(PA) (0907).00 Page 17 of 17 Exhibit A - Legal Description Commitment No. 1670199ERIE ALL THAT CERTAIN lot of land in the Borough of New Cumberland, Cumberland County, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Block "E", in the Plan of Lots known as the Rosemont Addition to the Borough of New Cumberland, recorded at Carlisle, Pennsylvania, in the Recorder of Deeds Office, in Deed Book "N", Volume 5, Page 498, and more fully bounded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Rosemont Avenue, 26 feet to a point; thence westerly at right angles and through the center wall of a double house, 140 feet to Beech Alley; thence southerly along Beech Alley, 26 feet to Ross Alley; thence easterly 140 feet to the place of BEGINNING. BEING PARCEL NO. 25-25-0006-159 BALLOON RIDER (CONDITIONAL RIGHT TO REFINANCE) THIS BALLOON RIDER is made this 16TH day of JULY 2010 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 Note to MEMBERS 1sT FEDERAL CREDIT UNION ("Lender") of the same date and covering the property described in the Security Instrument and located at: 212 ROSEMONT AVE, NEW CUMBERLAND, PA 17070 [Property Address] The interest rate stated on the Note is called the "Note Rate." The date of the Note is called the "Note Date." I understand Lender may transfer the Note, Security Instrument, and this Rider. Lender or anyone who takes the Note, the Security Instrument, and this Rider by transfer and who is entitled to receive payments under the Note is called the "Note Holder." ADDITIONAL COVENANTS. In addition to the covenants and agreements in the Security Instrument, Borrower and Lender further covenant and agree as follows (despite anything to the contrary contained in the Security Instrument or the Note): 1. CONDITIONAL RIGHT TO REFINANCE At the Maturity Date of the Note and Security Instrument (the "Maturity Date"), I will be able to obtain a new loan ("New Loan") with a new Maturity Date of and with an interest rate equal to the "New Note Rate" determined in accordance with Section 3 below if all the conditions provided in Section 2 and 5 below are met (the Conditional Refinancing Option"). If those conditions are not met, I understand that the Note Holder is under no obligation to refinance or modify the Note, or to extend the Maturity Date, and that I will have to repay the Note from my own resources or find a lender willing to lend me the money to repay the Note. 2. CONDITIONS TO OPTION If I want to exercise the Conditional Refinancing Option at maturity, certain conditions must be met as of the Maturity Date. These conditions are: (a) I must still be the owner of the property subject to the Security Instrument (the "Property"); (b) I must be current in my MULTISTATE BALLOON RIDER - Single Family - Fannie Mae Uniform Instrument Form 3180 1101 (rev. 9/01) Wolters Kluwer Financial Services VMP@-872R (0809) Page 1 of 3 Initials: 10= 5 monthly payments and cannot have been more than 30 days late on any of the 12 scheduled monthly payments immediately preceding the Maturity Date; (c) the New Note Rate cannot be more than five percentage points above the Note Rate; and (d) I must make a written request to the Note Holder as provided in Section 5 below. 3. CALCULATING THE NEW NOTE RATE The New Note Rate will be a fixed rate of interest equal to Fannie Mae's required net yield for 30-year fixed-rate mortgages subject to a 60-day mandatory delivery commitment, plus one-half of one percentage point (0.5%), rounded to the nearest one-eighth of one percentage point (0.125%) (the "New Note Rate"). The required net yield shall be the applicable net yield in effect on the date and time of day that the Note Holder receives notice of my election to exercise the Conditional Refinancing Option. If this required net yield is not available, the Note Holder will determine the New Note Rate by using comparable information. 4. CALCULATING THE NEW PAYMENT AMOUNT Provided the New Note Rate as calculated in Section 3 above is not greater than five percentage points above the Note Rate and all other conditions required in Section 2 above are satisfied, the Note Holder will determine the amount of the monthly payment that will be sufficient to repay in full (a) the unpaid principal, plus (b) accrued but unpaid interest, plus (c) all other sums I will owe under the Note and Security Instrument on the Maturity Date (assuming my monthly payments then are current, as required under Section 2 above), over the term of the New Note at the New Note Rate in equal monthly payments. The result of this calculation will be the amount of my new principal and interest payment every month until the New Note is fully paid. 5. EXERCISING THE CONDITIONAL REFINANCING OPTION The Note Holder will notify me at least 60 calendar days in advance of the Maturity Date and advise me of the principal, accrued but unpaid interest, and all other sums I am expected to owe on the Maturity Date. The Note Holder also will advise me that I may exercise the Conditional Refinancing Option if the conditions in Section 2 above are met. The Note Holder will provide my payment record information, together with the name, title, and address of the person representing the Note Holder that I must notify in order to exercise the Conditional Refinancing Option. If I meet the conditions of Section 2 above, I may exercise the Conditional Refinancing Option by notifying the Note Holder no later than 45 calendar days prior to the Maturity Date. The Note Holder will calculate the fixed New Note Rate based upon Fannie Mae's applicable published required net yield in effect on the date and time of day notification is received by the Note Holder and as calculated in Section 3 above. I will then have 30 calendar days to provide the Note Holder with acceptable proof of my required ownership. Before the Maturity Date, the Note Holder will advise me of the new interest rate (the New Note Rate), new monthly payment amount, and a date, time, and place at which I must appear to sign any documents required to complete the required refinancing. I understand the Note Holder will charge me a $250 processing fee and the costs associated with updating the title insurance policy, if any. MULTISTATE BALLOON RIDER - Single Family - Fannie Mae Uniform Instrument VMP®-872R (0809) Pa e 2 of 3 Form 3180 1/01 9 Initials: - (rev. 9/01) BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Balloon Rider. Lam (Seal) DIANA L SUMMERS -Borrower (Seal) -Borrow er - (Seal) -Borrow er __ (Seal) -Borrow er - (Seal) -Borrow er - (Seal) -Borrow er - (Seal) (Seal) -Borrow er -Borrow er [Sign Original Only] MULTISTATE BALLOON RIDER - Single Family - Fannie Mae Uniform Instrument Form 31 VMP®-872R (0809) Page 3 of 3 80 1/01 (rev. 9/01) 1-4 FAMILY RIDER (Assignment of Rents) THIS 1-4 FAMILY RIDER is made this 16TH day of JULY 2010 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 (the "Borrower") to secure Borrower's Note to MEMBERS 1ST FEDERAL CREDIT UNION (the "Lender") of the same date and covering the Property described in the Security Instrument and located at: 212 ROSEMONT AVE, NEW CUMBERLAND, PA 17070 [Property Address] 1-4 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to the Property described in the Security Instrument, the following items now or hereafter attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor coverings, all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the "Property." B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to or make a change in the use of the Property or its zoning classification, unless Lender has agreed in writing to the change. Borrower shall comply with all laws, ordinances, regulations and requirements of any governmental body applicable to the Property. C. SUBORDINATE LIENS. Except as permitted by federal law. Borrower shall not allow any lien inferior to the Security Instrument to be perfected against the Property without Lender's prior written permission. D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition to the other hazards for which insurance is required by Section 5. MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 Wolters Kluwer Financial Services VMP O-57R (0811) Page 1 of 3 Initials: E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted. F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section 6 concerning Borrower's occupancy of the Property is deleted. G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and to execute new leases, in Lender's sole discretion. As used in this paragraph G, the word "lease" shall mean "sublease" if the Security Instrument is on a leasehold. H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION. Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and revenues ("Rents") of the Property, regardless of to whom the Rents of the Property are payable. Borrower authorizes Lender or Lender's agents to collect the Rents, and agrees that each tenant of the Property shall pay the Rents to Lender or Lender's agents. However, Borrower shall receive the Rents until: (i) Lender has given Borrower notice of default pursuant to Section 22 of the Security Instrument, and (H) Lender has given notice to the tenant(s) that the Rents are to be paid to Lender or Lenders agent. This assignment of Rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security Instrument; (ii) Lender shall be entitled to collect and receive all of the Rents of the Property; (iii) Borrower agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's agents upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents collected by Lender or Lender's agents shall be applied first to the costs of taking control of and managing the Property and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees, premiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments and other charges on the Property, and then to the sums secured by the Security Instrument; (v) Lender, Lender's agents or any Judicially appointed receiver shall be liable to account for only those Rents actually received; and (vi) Lender shall be entitled to have a receiver appointed to take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadequacy of the Property as security. If the Rents of the Property are not sufficient to cover the costs of taking control of and managing the Property and of collecting the Rents any funds expended by Lender for such purposes shall become indebtedness of Borrower to Lender secured by the Security instrument pursuant to Section 9. Borrower represents and warrants that Borrower has not executed any prior assignment of the Rents and has not performed, and will not perform, any act that would prevent Lender from exercising its rights under this paragraph. Lender, or Lender's agents or a)'udicially appointed receiver, shall not be required to enter upon, take control of or maintain the Property before or after giving notice of default to Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do so at any time when a default occurs. Any application of Rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of Rents of the Property shall terminate when all the sums secured by the Security Instrument are paid in full. 1. CROSS-DEFAULT PROVISION. Borrower's default or breach under any note or agreement in which Lender has an interest shall be a breach under the Security Instrument and Lender may invoke any of the remedies permitted by the Security Instrument. MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP 0-57R (0811) Page 2 of 3 Initials: &S Form 3170 1/01 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1-4 Family Rider. 'i ?0G!/?(/h'lLc?.-- (Seal) DIANA L SUMMERS -Borrow er _ (Seal) -Borrow er (Seal) -Borrow er _ (Seal) -Borrower (Seal) -Borrow er - (Seal) -Borrow er _ (Seal) -Borrow er (Seal) -Borrow er MULTISTATE 1- 4 FAMILY RIDER - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMPo-57R (0811) Page 3 of 3 Form 3170 1101 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 201020294 Recorded On 7/27/2010 At 2:56:50 PM Instrument Type - MORTGAGE Invoice Number - 69831 User ID - AF * Mortgagor - SUMMERS, DIANA L * Mortgagee - MEMBERS 1ST FEDERAL CR UN * Customer - WALTERS * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 JUSTICE RECORDING FEES - $51.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $102.00 I Certify this to be recorded in Cumberland County PA 0Vt ouMeF 0 /DPEDS RECORDER O 1750 * Total Pages - 25 Certification Page DO NOT DETACH This page is now part of this legal document. * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. III IIII?!IIhIIIiII11N11I 701 1 0470 0001 6340 5926 MIDWEST LOAN SERVICES, INC. 616 SHELDEN AVENUE, SUITE 300 P O BOX 144 HOUGHTON, MI 49931-0144 800-262-6574 April 14, 2011 DIANA SUMMERS 212 ROSEMONT AVE NEW CUMBERLAND PA 17070 RE: Loan # 72249 NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE Under Section 403 of Pennsylvania Act No. 6 of 1974 The Mortgage held by MEMBERS 1 ST FCU, on your property located at 212 ROSEMONT AVE, NEW CUMBERLAND PA 17070 IS IN SERIOUS DEFAULT because you have not made the monthly payment of $ 644.93 from February 2011 through April 2011. Late charges have also accrued to this date and the total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $2,009.96. Total Principal, Interest and Escrow $1,938.95 Total Current Late Charges $ 23.67 Total Deferred Late Char es $ 47.34 Total Current NSF Charges $ .00 Total Deferred NSF Charges $ .00 Other Fees $ .00 Less Money in Suspense $ .00 Total Due $2,009.96 You may cure this default with thirty (30) days of the date of this letter, by paying to us the above amount of $2,009.96, plus any additional monthly payments and late charges which may fall due during this period Such payment must be made either by cash, cashier's check, certified check or money order and made at the office of Midwest Loan Services, Inc., 616 Shelden Ave, Suite 300, PO Box 188, Houghton, MI 49931. If you do not cure the default with THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of Exhibit "E" 701 1 0470 0001 6340 5933 MIDWEST LOAN SERVICES, INC. 616 SHELDEN AVENUE, SUITE 300 P0BOX144 HOUGHTON, MI 49931-0144 800-262-6574 April 14, 2011 DIANA SUMMERS 5446 OXFORD DR MECHANICSBURG PA 17055 RE: Loan # 72249 NOTICE OF INTENTION TO FORECLOSE AND ACCELERATE LOAN BALANCE Under Section 403 of Pennsylvania Act No. 6 of 1974 The Mortgage held by MEMBERS 1 ST FCU, on your property located at 212 ROSEMONT AVE, NEW CUMBERLAND PA 17055 IS IN SERIOUS DEFAULT because you have not made the monthly payment of $ 644.93 from February 2011 through April 2011. Late charges have also accrued to this date and the total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $2,009.96. Total Principal, Interest and Escrow $1,938.95 Total Current Late Charges $ 23.67 Total Deferred Late Char es $ 47.34 Total Current NSF barges $ .00 Total Deferred NSF Char es $ .00 Other Fees $ .00 Less Money in Suspense $ .00 Total Due $2,009.96 You may cure this default with thirty (30) days of the date of this letter, by paying to us the above amount of $2,009.96, plus any additional monthly payments and late charges which may fall due during this period Such payment must be made either by cash, cashier's check, certified check or money order and made at the office of Midwest Loan Services, Inc., 616 Shelden Ave, Suite 300, PO Box 188, Houghton, MI 49931. If you do not cure the default with THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of 701 1 0470 0001 6340 5926 default is not made within THIRTY (30) DAYS, we also intend to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but your cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fee even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty-day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-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 Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage). It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately three (3) months from the above date. A notice of the date of the Sheriff 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 will be by calling us at the following number: 800-262-6574 x0. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST.) YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as it no default had occurred, However, you are not entitled to this right to cure your default more than three times in any calendar year, Sincerely, Loan Counselor 701 1 0470 0001 6340 5926 • Mailed Certified on April 14, 2011 Certified Receipt No.: 701 1 0470 0001 6340 5926 Return Receipt Requested IMPORTANT: PLEASE READ In addition, except for FHA-insured loans, you will receive another notice from us under Act 91 of 1983. That notice is called "Notice of Homeowners' Emergency Mortgage Assistance Act of 1983". That notice will explain certain other rights that you might have under Act 91 of 1983. You MUST read both notices since they both explain rights that you now have under Pennsylvania law. The time limits for Lender's Action as explained in this Act 6 Notice might be substantially changed if you choose to apply for Mortgage Assistance under Act 91 of 1983. If you choose to exercise your rights described in Act 91 of 1983 Notice, we cannot foreclose upon your home during that time. Also, if upon application for Mortgage Assistance, and if mortgage assistance is granted from the Pennsylvania Housing Finance Agency, your home cannot be foreclosed upon while you are receiving the assistance. By Loan Counselor IF YOUR PERSONAL LIABILITY FOR THE MORTGAGE NOTE HAS BEEN DISCHARGED IN BANKRUPTCY YOU WILL NOT BE HELD PERSONALLY RESPONSIBLE FOR NON-PAYMENT OF THE DEBT. HOWEVER FORECLOSURE OF YOUR HOME WILL STILL OCCUR UNDER THE TERMS OF THE MORTGAGE CONTRACT IF YOUR ACCOUNT IS NOT BROUGHT CURRENT. 701 1 0470 0001 6340 5926 April 14, 2011 i) ACT 91 NOTICE DATE OF NOTICE: April 14, 2011 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is provided in the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to help 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 hone number of Consumer Credit Counselin Agencies serving your County are listed at the end of this Notice If you have any questions You may call the Pennsylvania Housing Finance Agencv 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. 701 1 0470 0001 6340 5926 *(Must be at least 30 point type) HOMEOWNER'S NAME(S): DIANA SUMMERS PROPERTY ADDRESS: 212 ROSEMONT AVE NEW CUMBERLAND PA 17070 LOAN ACCOUNT NO.: 72249 ORIGINAL LENDER: MEMBERS 1 ST FCU CURRENT LENDER/SERVICER: Midwest Loan Services, Inc. servicing agent for MEMBERS 1 ST FCU ff) 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 THE NEXT (33) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. 7011 0470 0001 6340 5926 CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agency 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 p operty 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 filed or postmarked within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. c , a't? 701 1 0470 0001 6340 5926 NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF APETITION 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.) gg) 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: The Mortgage held by MEMBERS 1ST FCU, on your property located at 212 ROSEMONT AVE, NEW CUMBERLAND PA 17070 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS of $ 644.93 from February 2011 through April 2011. Late charges have also accrued to this date and the total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $2,009.96. Total Princi al Interest and Escrow $1 38.95 9 Total Current Late Charges 23.67 ; Total Deferred Late Charges $ 47.34 Total Current NSF Charges $ .00 Total Deferred NSF Charges $ .00 Total Miscellaneous Fees $ .00 Less Money in Suspense $ .00 Total Due $2,009.96 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 $2,009.96, 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 Midwest Loan Services, Inc. 616 Shelden Ave., Suite 300 PO Box 188 Houghton, MI 49931 7011 0470 0001 6340 5926 IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments, If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt, If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 10 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Midwest Loan Services, Inc. Address: 616 Shelden Ave., Suite 300 PO Box 188 Houghton, MI 49931 701 1 0470 0001 6340 5926 Phone Number: 800-262-6574 x0 Fax Number: 906-487-5869 Contact: Ask for your assigned loan counselor EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it, if you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. hh) 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 SERVING YOUR COUNTY ATTACHED Summers, Dan From: U.S._ Postal_Service_ [U.S._Postal_Service@usps.com] Sent: Friday, July 29, 20114:32 PM To: Summers, Dan Subject: U.S. Postal Service Track & Confirm email Restoration - 70110470 0001 6340 5926 This is a post-only message. Please do not respond. DAN SUMMERS has requested that you receive this restoration information for Track & Confirm as listed below. Current Track & Confirm e-mail information provided by the U.S. Postal Service. Label Number: 70110470 0001 6340 5926 Service Type: Certified Mail(TM) Shipment Activity Location Date & Time ---- ---------------------------------------------------------------------------- Delivered NEW CUMBERLAND PA 17070 04/18/11 10:38am Arrival at Unit NEW CUMBERLAND PA 17070 04/18/11 5:36am Processed through Sort HARRISBURG PA 17107 04/18/11 1:10am Facility USPS has not verified the validity of any email addresses submitted via its online Track & Confirm tool. For more information, or if you have additional questions on Track & Confirm services and features, please visit the Frequently Asked Questions (FAQs) section of our Track & Confirm site at http://www.usps.com/shipping/trackandconfirmfaqs.htm Exhibit "F" Summers, Dan From: U.S._Postal_Service_ [U.S._Postal_Service@usps.comj Sent: Friday, July 29, 20114:32 PM To: Summers, Dan Subject: U.S. Postal Service Track & Confirm email Restoration - 7011 0470 0001 6340 5933 This is a post-only message. Please do not respond. DAN SUMMERS has requested that you receive this restoration information for Track & Confirm as listed below. Current Track & Confirm e-mail information provided by the U.S. Postal Service. Label' Number: 70110470 0001 6340 5933 Service Type: Certified Mail(TM) Shipment Activity Location ------------------------------------------------ Delivered HOUGHTON MI 49931 Unclaimed MECHANICSBURG PA Notice Left MECHANICSBURG PA 17055 Processed through Sort HARRISBURG PA 17107 Facility Date & Time 05/16/11 8:36am 05/10/11 10:32am 04/19/11 2:39pm 04/18/11 2:04am USPS has not verified the validity of any email addresses submitted via its online Track & Confirm tool. For more information, or if you have additional questions on Track & Confirm services and features, please visit the Frequently Asked Questions (FAQs) section of our Track & Confirm site at http://www.usps.com/shipping/trackandconfirmfaqs.htm i 08/09/2011 15:37 7179320317 KARLLEDEBOHM PAGE 09/09 MEMBERS 1sT FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA C/O THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.. : CIVIL ACTION-LAW-MORTGAGE : VORECLOSURE VERWICATION 1, Dan Summers, Collections Manager for Members l st Federal Credit Union, being authorized to do so on behalf of Members 1st Federal Credit Union, hereby verify that the statements made in the foregoing pleading are true and correct to the best of my information knowledge and belief. I understand that false statements are made subject to the penalties of 18 Pa. C.S.A. Section 4904, relating to unworn falsification to authorities. Members 1" Federal Credit Union Date: 8/aJ2011 I3y: '- _ Dan Summers, Collections Manager 8 Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070 (717)938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS To the Prothonotary: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-6491 Civil c -0 3 -- ?-v tnr-- , -<> )>C-.) = =CD N CIVIL ACTION -LAW MORTGAGE FORECLOSURE RETURN OF SERVICE A true and correct copy of the complaint filed in this matter was served upon the defendant, Attorney General of the United States of America, Attn.: Housing and Civil Enforcement Section, 950 Pennsylvania Avenue NW, Washington, D.C., as set forth on U.S. Postal Forms 3800 and 3811 attached hereto as Exhibit "A" and made part hereof, which confirms receipt of the certified mail by the addressee on August 23, 2011 . Date: September 1, 2011 ?&l M! Ledebohm, Esq. - upreme Court ID #59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717) 938-6929 Attorney for Plaintiff r -arm C) C1 -.-4 cQ --drn Er. p ru !! p'UTT ru 1 M„ L0 .I- Postage $ r9l Certified Fee M 5, O Return Reoeipt Fee tmark `,. Op (Endorsement Required) r Here Restricted Delivery Fee t0.? j ?•'`` 0 (Endorsement Required)) ?7. jZQl?. O Total Postage & Fees $ ?4 M ;. . a o C3 S4reef i{pt 7Jo.; r `---. 7 ................ r%- or PO Box No. 17 9 Am- crry, were, z?P+a r?o ¦ COMPIM ibms 1, 2, and 3. Also ccrrilpi to A. sWoum t)dWwy is desired. X 0 Agent ¦ PrfAt yow rta m end addrew on the reverse ? Addraseea so that We om Wkwn the cow t0'Y'C B. Received by (MI"d WM) C. Date of Dellmy . ¦ Attach #ft card to the back of the mdpki e, or cn the front M opage pertnlts. 1. Ardde Ad*mwd to-, D. N delivery addles: id fired hem 1? 0 Yes If YES, enter dellmy address below: C3 No A+?11OZI eleo-4.1 49f Ha L)5p S ?^ a. awwos, . 0 Repbtuedd R-lptfbrKIedohendlee pjaS .: ham ?C. s3 O o kWMW w+.u v ao D, 4. Restricted DditW OEkft Feel 13 Yes 7010 3090 0003 1452 2809 (AarrrAer filorrr eert+ece kbef1 Ps Form 3811, •Febmw 2w4 Doane W Retum Receipt 1025WM-WI50 j a Exhibit "A" ' SHERIFF'S OFFICE OF CUMBERLAND COUNTY r n -' Ronny R Anderson i' I4ED-OF i 11UL Sheriff Jr i HE PRCTHomo€ `,"''? , Jody S Smith ° 20 {1 SEP -8 PM 2: 3 Chief Deputy Richard W Stewart CUMBERLAND 00UN `;` Solicitor ni4C--E - .? PENNSYLVANIA Members 1st FCU vs. Case Number Diana L. Summers (et al.) 2011-6491 SHERIFF'S RETURN OF SERVICE 08/18/2011 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: The United States America c/o U.S. but was unable to locate them it his bailiwick. He therefore deputized the Sheriff of Dauphin County, Pennsylvania to serve the within Complaint In Mortgage Foreclosure according to law. 08/23/2011 08:29 PM - Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on August 23, 2011 at 2029 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Karen Hagerty, by making known unto herself per onally, current Occupant of 212 Rosemont Avenue, New Cumberland, Cumberland Cot{nty, P lnpylvania 17070 its contents and at the same time handing to her personally the said true rr ct opy of the same. STAWN H RR N, DEPUTY 08/24/2011 08:57 AM - Dauphin County Return: And now August 24, 2011 at 0857 hours I, Jack Lotwick, Sheriff of Dauphin County, Pennsylvania, do hereby certify and return that I served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: United States of America by making known unto Susan Melindez, Administrative Assistant for The United States of America, 228 Walnut Street, Federal Building, Harrisburg, Pennsylvania 17108 its contents and at the same time handing to her personally the said true and correct copy of the same. 08/26/2011 03:36 PM - Shawn Harrison, Deputy Sberiff, who being duly sworn according to law, states that on August 26, 2011 at 1336 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Diana L. Summers, by making known unto herself ersonally, at 5446 Oxford Drive, Mechancisburg, Cumberland County, Pennsylvania 1705 is co n s and at the same time handing to her personally the said true and correct copy of the sarie S AWN HAVZ LS 01 , D PUTY SHERIFF COST: $71.94 August 31, 2011 SO ANSWERS, x??-- RON R ANDERSON, SHERIFF I (ptjirit Ulf the 'S1j'%rrfi William T. Tully Solicitor Dauphin County 101 Market Street Harrisburg, Pennsylvania 17101-2079 ph: (717) 780-6590 fax: (717) 255-2889 Jack Duignan Chief Deputy Michael W. Rinehart Assistant Chief Deputy Jack Lotwick Sheriff Commonwealth of Pennsylvania County of Dauphin MEMBERS 1 ST FCU VS UNITED STATES OF AMERICA Sheriff s Return No. 2011-T-3283 OTHER COUNTY NO. 20116491 And now: AUGUST 24, 2011 at 8:57:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to SUSAN MELINDEZ 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 228 WALNUT STREET, FEDERAL BLDG HBG PA 17108 ADMINISTRATIVE ASSISTANT Sworn and subscribed to before me this 26TH day of August, 2011 -)?3?4z COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Karen M. Hoffman, Notary Public City of Harrisburg, Dauphin County M Commission Expires August 17, 2014 So Answers, ex';? Sheriff of Dauphin County, Pa. By D e fff Deputy: DARIN S SHE Y Sheriffs Costs: $41.25 23/2011 t Lk, COUP;--- Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1 ST FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-6491 Civil CIVIL ACTION -LAW MORTGAGE FORECLOSURE AFFIDAVIT OF SERVICE OF NOTICE TO LIEN HOLDERS PURSUANT TO Pa. R.C.P. 3129.2 (c) I, Karl M. Ledebohm, Esquire, hereby swear and affirm that on the 16'h day of November, 2011, I served the attached NOTICE TO LIENHOLDERS AND OTHER PARTIES IN INTEREST pursuant to Pa. R.C.P. 3129.2(c) in the above captioned matter upon the individuals/entities by first class mail, postage prepaid as set forth on the PS Form 3817, copies of which are attached as Exhibit "1" and made part hereof. I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: November 17, 2011 submitted, ID #: 59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-6491 Civil CIVIL ACTION - LAW MORTGAGE FORECLOSURE NOTICE TO LIENHOLDERS AND OTHER PARTIES IN INTEREST PURSUANT TO Pa. R.C.P. 3129.2(c) To: (Addressee on PS Forms 3817) TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cumberland County, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE South Hanover Street Carlisle, PA 17013 on March 7, 2012 at 10:00 a.m., the following described real estate which Diana L. Summers is the owner and reputed owner and on which you may hold a lien or have an interest which could be affected by the sale of 212 Rosemont Avenue New Cumberland, PA 17070 (SEE LEGAL DESCRIPTION ATTACHED AS EXHIBIT "A"). The said Writ of Execution has been issued on a judgment in the action of MEMBERS 1ST FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : NO. 11-6491 Civil CIVIL ACTION - LAW MORTGAGE FORECLOSURE at Ex. No. 11-6491 Civil in the amount of $84,090.85 plus interest, additional attorney's fees and costs. Claims against property must be filed at the Office of the Sheriff before above sale date. Claims to proceeds must be made with the Office of the Sheriff before distribution. Schedule of Distribution will be filed in the Office of the Sheriff no later than thirty (30) days from the sale date. Exceptions to distributions or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when Schedule of Distribution is filed in the Office of the Sheriff. If you have any questions or comments with regard to the Sheriff's Sale or this Notice, you should contact your attorney as soon as possible. Date: November 15, 2011 submitted, 'Karl M. Ledebohm, Esq. Supreme Court ID #: 59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff ALL THAT CERTAIN lot of land in the Borough of New Cumberland, Cumberland County, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Block "E", in the Plan of Lots known as the Rosemont Addition to the Borough of New Cumberland, recorded at Carlisle, Pennsylvania, in the Recorder of Deeds Office in Deed Book N, Volume 5, Page 498 and more fully bonded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Rosemont Avenue, 26 feet to a point; thence westerly at right angles and through the center wall of a double house, 140 feet to Beech Alley; thence southerly along Beech Alley, 26 feet to Ross Alley; thence easterly 140 feet to the place of BEGINNING. HAVING thereon erected one-half of a two and one-half story double frame dwelling known and numbered as 212 Rosemont Avenue, New Cumberland, Pennsylvania. BEING the same premises which Matthew J. Szejk and Rebeca B. Szejk, husband and wife, by their deed dated May 16, 2003 and recorded in the Cumberland County Recorder of Deeds Office at Deed Book 257, Page 481 granted and conveyed unto Diana L. Summers, single woman. BEING TAX PARCEL # 25-25-0006-159 EXHIBIT `A' U S POSTAL SERVICE CERTIFICATE OF MAILING An W MAY BE USED VP DOME S11( AND IN TERNA I ZONAL MAIL DOES NJr G, ' ? od ?QeJ a PROVIDE FOPfN?LIRANCE POSTMASrEP o M , • L I L.L Reae?eOFw,., !! j N ® Mr^Z LLJCDW=) C3 Karl A Ledebohm, Esq. 01 >?o P.O. Box 173 \\. A { V Z ° New Cumberland, PA 17070-0173; ' E 3 Z e , J b,?epartment o Tic Welfare TPL Casualty Unit Estate Recovery Program _ o P.O. Box 8486 - 8 Willow Oak Building Harrisburg, PA 17105-8486 v S POSTAL SERVICE CERTIFICATE OF MAILING LLI a MA, BE USED [OR O(>MESrIC. MID IN TE RNAi10NAL MAIL DOES N"?T _•. I ^o L I I PROVIDE FOR INSURAN(E -POSTMASrEP Karl A Ledebohm, Esq. -4 U ?7 c Z ° P.O. Box 173 Z PA 17070-0173 S New Cumberland , F. Karen Hagerty 212 Rosemont Avenue New Cumberland, PA 17070 -- U S POSTAL SERVICE CERTIFICATE OF MAILING Al a a P' d C7 p Z 2 I ^ Z ^•. C° fD 8 o ?C"') fro a a? o ? ° g MAY BE USED I UP DOME $h( AND 'N rERNA r ZONAL MAIL DOE S NI 37 PROVIDE FOP IN<vRANCE POSTMAS'EP _ RB: e,veo F ilm Karl A Ledebohm, Esq. P.O. Box 173 New Cumberland, PA 17070-0173 s North Star Capital Acquisition LLC -- c/o Apothaker & Assoc., P.C. 520 Fellowship Road C306 -- Mt. Laurel, NJ 08054 Exhibit "1" Eo-Zz4£s000 0001 £o-zzQESOOO OOOi 5 Ii $ ` ` s?inxss?vlrod $ J L I 97/na.9r TVlsOd 1Nf10WH sslvls ail?Nn 1N91 A silvlsasuNn I f 91 AON (I. `91 ON 6LOLI OLOL1 dd'ONd183awno M3N lid ` ONlilOIUd 10 M3N 39VISOdtl * s * n 39d1SOd S 0_ :: 4 T II A Z J n J r. z Q LL (D O G O O O O w a l? LIJ p ?, f o U C kr)O U Z u o f? ?. u o K 2 W Q, w ¢ ¢ > A.. w ¢ °" U w 4 ;r> 0 M y N? sW? 3 2 z U p o a "-O U N O ?? y i a wo v a 'z h O N Z w_ wo E;; ? 4ET ° $ 00 0001 Eo-zzgesooo 0001 s 37/nU39791504 S11 "Inaes ivlso4 1Nf10Wd sslvlsoitarn 1NnOWFJ 531Vts 031/N/1 if '91 AON 1J.'91 AON 6LOLI dd' ONt1la38NM ; M3N ,1?19r t?q'•M3N 39kj&t8'-S 4" •? err <1 ? ? z co z O ° o L o `'1 w a 0 O ° < LU U Q f O z z W w o ?i ~ o LLJ L) ww p. c a? z W Q U G c" U Cal ? U a cr Q 1. ? Q o .? 3 d o a? ? z G4 U .?' U d I m 1? U ..y M v N O o ?"+ CQ m? a+ v o ?w Q 7 r1 C) n 1? 0 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Members 1st Federal Credit Union vs. Diana L. Summers (et al.) ~,~,~~r, f~f~ a,a ;~~r .~,,~ _ 1 , Case Numb 2011-6491 SHERIFF'S RETURN OF SERVICE 01/05/2012 05:34 PM -Deputy Shawn Gutshall, being duly sworn according to law, served the requested Real Es to Writ, Notice and Description, in the above titled action, by making known its contents and at the same :ime personally handing a true copy to a person representing themselves to be the Defendant, to wit: Diana L. Summers at 5446 Oxford Drive, Lower Allen Township, Mechanicsburg, Cumberland County, PA 170 5. 01/06/2012 08:44 PM -Deputy Michael Garrick, being duly sworn according to law, served the requested Real Est to 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 KAREN HAGGERTY-- OCCUPANT, who accepted as "Adult Person in Charge" for Occupant at 212 Rosemont Avenue, Newj Cumberland, Cumberland County, PA 17070. 01/06/2012 08:44 PM -Deputy Michael Barrick, 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 actin , upon the property located at 212 Rosemont Avenue, New Cumberland, Cumberland County, PA 1707 . 01/20/2012 As directed by Karl M. Ledebohm, Attorney for the Plaintiff, Sheriffs Sale Continued to 6/6/2012 05/21/2012 As directed by Karl M. Ledebohm, Attorney for the Plaintiff, Sheriffs Sale Continued to 7/11/2012 07/11/2012 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice h d been given according to law, he exposed the within described premises at public venue or outcry at th Cumberland County Courthouse, 1 Courthouse Square, Carlisle ,Cumberland County, on July 11, 201 a 10:00 a.m.. He sold the same for the sum of $1.00 to Attorney Karl m. Ledebohm, on behalf of Membe s 1st Federal Credit Union, being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $883.51 SO ANSWERS, r July 20, 2012 RON R ANDERSON, SHERIFF i v ~, ~ c~~ ~~ ~ j~[. °~ u P ~ ;,.v _, J Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES AT"I'ORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-6491 Civil CIVIL ACTION -LAW MORTGAGE FORECLOSt1RE AFFIDAVIT PURSUANT TO RULE 3129.1 Members 1 S` Federal Credit Union, plaintiff, in the above action, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located in New Cumberland Borough, Cumberland County, Pennsylvania, known and numbered as 212 Rosemont Avenue, New Cumberland, PA 17070. 1. Name and address of owner(s) or reputed owner(s): Diana L. Summers 5446 Oxford Drive Mechanicsburg, PA 17055 2. Name and address of defendant(s) in the judgment: Diana L. Summers 5446 Oxford Drive Mechanicsburg, PA 17055 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: 1~~~°~ p i Members 1 S` Federal Credit Union Attn.: Dan Summers 5000 Louise Drive Mechanicsburg, PA 17055 4. Name and address of the last recorded holder of every mortgage of record: Members 1 S` Federal Credit Union Atm.: Dan Summers 5000 Louise Drive Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on the property: ', 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: 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Cumberland County Tax Claim Bureau One Courthouse Square Carlisle, PA 17013 Domestic Relations Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 Occupant 212 Rosemont Avenue New Cumberland, PA 17070 Karen Hagerty 212 Rosemont Avenue New Cumberland, PA 17070 Department of Public Welfare TPL Casualty Unit Estate Recovery Program P.O. Box 8486 Willow Oak Building Harrisburg, PA 17105-8486 North Star Capital Acquisition LLC c/o Apothaker & Assoc., P.C. 520 Fellowship Road C306 Mt. Laurel, NJ 08054 I verify that the statements made in this affidavit are true and correct to the best of my personal-knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to '; unsworn falsification to authorities. Date: October 20, 2011 Respectfully submitted, '7 ,.~ ' arl M. Ledeb~hm, Esq. Supreme Court ID #: 59012 P.O. Box 173 New Cumberland, PA 1.7070-01.73 (717)938-6929 Attorney for Plaintiff ', Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (7]7)938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. DIANA L. SUMMERS THE UNITED STATES OF AMERICA c/o THE UNITED STATES ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE, 220 P.O. BOX 11754 HARRISBURG, PA 17108-1754 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 11-6491 Civil CIVIL ACTION -LAW MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE To: Diana L. Summers 5446 Oxford Drive Mechanicsburg, PA 17055 THE UNDERSIGNED ATTORNEY IS A DEBT COLLECTOR. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I AM REQUIRED TO INFORM YOU THAT THIS DOCUMENT AND ANY SUBSEQUENT CORRESPONDENCE OR COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE CURRENTLY A DEBTOR IN BANKRUPTCY OR HAVE RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT BUT AN EFFORT TO FORECLOSE THE LIEN OF A MORTGAGE ON REAL ESTATE. Your house (real estate) at 212 Rosemont Avenue, New Cumberland, PA 17070, as more particularly set forth and described on Exhibit "A" attached hereto and made part hereof, is scheduled to be sold at Sheriff's Sale on March 7, 2012 at 10:00 a.m. in the Office of the Sheriff, Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment in the principal amount of $84,090.85 plus interest at the rate of $13.01 per day, legal fees, costs and other costs and charges collectible under the mortgage and foreclosure and sale of the mortgaged property obtained by the above named Plaintiff against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff s Sale, you must take immediate action: 1. The Sheriff Sale will be cancelled if you pay to the above named Plaintiff the amount of the judgment plus costs, interest and additional reasonable legal fees or the back payments, late charges, costs and reasonable attorney's fees, if any, due. To find out how much you must pay, you may call Karl M. Ledebohm, Esquire, at ', (717)938-6929 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. ~. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below to find out how to obtain an attorney. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Sheriff at the County Courthouse. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff at the County Courthouse, which number is listed below. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on or before Apri16, 2012 (within thirty (30) days after the Sheriff Sale). This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed by the Sheriff. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE. A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 The Sheriff s phone number is: (717)240-6390. ~' ~'~ r l i . ~ ~\vA ~, , , r ., ,. ~ `,~ .. ~. Karl M. Ledebohm, Esquire Supreme Court ID #59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff ;% r ALL'THAT CERTAIN lot of land in the Borough of New Cumberland, Cumberland County, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Block "E", in the Plan of Lots known as the Rosemont Addition to the Borough of New Cumberland, recorded at Carlisle, Pennsylvania, in the Recorder of Deeds Office in Deed Book N, Volume 5, Page 498 and more fully bonded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Rosemont Avenue, 26 feet to a point; thence westerly at right angles and through the center wall of a double house, 140 feet to Beech Alley; thence southerly along Beech Alley, 26 feet to Ross Alley; thence easterly 140 feet to the place of BEGINNING. HAVING thereon erected one-half of a two and one-half story double frame dwelling known and numbered as 212 Rosemont Avenue, New Cumberland, Pennsylvania. BEING the same premises which .Matthew J. Szejk and Rebeca B. Szejk, husband and wife, by their deed dated May 16, 2003 and recorded in the Cumberland County Recorder of Deeds Office at Deed Book 257, Page 481 granted and conveyed unto Diana L. Summers, single woman. BEING TAX PARCEL # 25-25-0006-159 EXHIBIT `A' WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 11-6491 Civil COUNTY OF CUMBERLAND) CIVIL ACTION --LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MEMBERS 1sT FEDERAL CREDIT UNION Plaintiff (s) From DIANA L. SUMMERS (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: 584,090.85 L.L.: S.50 Interest 10/6111 AT THE RATE OF $13.01 PER DAY Attv's Comm: % Due Prothy: 52.00 Atty Paid: 5212.44 Other Costs: Plaintiff Paid: Date: to ~ 3 f ~ I+ (Seal) REQUESTING PARTY: Name: KARL M. LEDEBOHM, ESQUIRE Address: P.O. BOX 173 NEW CUMBERLAND, PA 17070-0173 Attorney for: PLAINTIFF Telephone:7I7-938-6929 Supreme Court ID No. 59012 Deputy T~~E COPY FRt~rTill RECgR !n Teetic:sonjr wherr~i', !here unto set m nand and the rsd! oisaici ' ~ Cariisi~e, P This ~ day of , 20 E'rotho ry On November 2, 2011 the 5t~erit`i` levied ~upol~ tine defendant's interest in the real. propert~~~ situated ire New Cumberland Borough, Cumberland County, PA, Known and numbered as, 21.2 Rosemont Avenue, New Cumberland, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date November 2, 201.1 By: :~ ~ r ; Real Estate Coordinator CUMBERLAND LAW JOURNAL Writ No. 2011-6491 Civil Term Members lst Federal Credit Union vs. Diana L. Summers and The United States of America Atty.: Karl Ledebohm ALL THAT CERTAIN lot of land in the Borough of New Cumberland, Cumberland County, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Block "E", in the Plan of Lots known as the Rosemont Addi- tion to the Borough of New Cumber- land, recorded at Carlisle, Pennsylva- nia, in the Recorder of Deeds Office in Deed Book N, Volume 5, Page 498 and more fully bonded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Rosemont Avenue, 26 feet to a point; thence westerly at right angles and through the center wall of a double house, 140 feet to Beech Alley; thence southerly along Beech Alley, 26 feet to Ross Alley; thence easterly 140 feet to the place of BEGINNING. HAVING thereon erected one-half of a two and one-half story double frame dwelling known and numbered as 212 Rosemont Avenue, New Cum- berland, Pennsylvania. BEING the same premises which Matthew J. Szejk and Rebeca B. Szejk, husband and wife, by their deed dated May 16, 2003 and recorded in the Cumberland County Recorder of Deeds Office at Deed Book 257, Page 481 granted and conveyed unto Diana L. Summers, single woman. BEING TAX PARCEL # 25-25- 0006-159. 79 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 aforesa~d, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law ; Journal on the following dates, 27, February 3, and February 10, 2012 Affiant further deposes that he is authorized to verify this statement by the Cumberland) Law Journal, a legal periodical of general circulation, and that he is not interested in the subject. matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. r ti ' isa Marie Coyne, Edi r SWORN TO AND SUBSCRIBED before me this day of Februar. , Notary NOTARIAL SE DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 The Patriot-dews Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 c~,l~e~latriot Dews 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 f the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, n the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and he Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and tate aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854.. and September 1 th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in heir regular daily and/or Sunday/ Community Weekly editions which appeared on the dates} indicated below. That neither she n r said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this tatement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this tatement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted se erally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Record ng of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the dates} shown bel~w: 01/27/12 02/03/12 ~ (~ t ~~ 02/10!12 ~ "- ~ ~ ~~`~ .. ~,/ F` Sworn to ~d st,ybscribed_b re me this 24 day~f February, 2012 A.D. ,% ~. ! ~ i, , ~ ~ ~~ ,~ ~. ~ .1 _- ~ ~ ~ . ~._.__ _. r.- __.. Notary Public COMMONWEALTH OF PENNSYLVANL4 Notarlal5eal Sherrie L. Owens, Notary Public Lower Paxton Twp., Dauphin County Nly Commission Expires Nov. 26 2015 MEMBER, PENNSYLV4NIq PSSOCIATd61N f N ARIES 2011.6491 Civil Term Members 1st Federal Credit Union VS Diana L. Summers and The United States of America Atty. Karl Ledebohm AI,L TIIAT CERTAIN lot of land in the Borough of New Cumberland. Cumberland Cnunty, Pennsylvania, being all of Lot No. 31 and a portion of Lot No. 32, Bloc "E" in the Plan of Lots known as the Rc. °mont Addition to the Borough of New Cumberland, recorded at Carlisle, Pennsylvania, in the Recorder of Deeds OILce in Deed Book N, Volume i. Page 498 and morefully bonded and described as follows, to wit: BEGINNING at a point, the corner formed by the intersection of the west side of Rosemont Addition and the north side of Ross Alley; thence northerly along Ru<zmunt Avenue, 26 feet to a point: thence westerly at right angles and through the center wall of a double house. 1411 fcc' to Beech Alley; thence southerly along Beech Alley, 26 feet to Russ Allec thence easterly 140 feet to the place of BEGINNING. HAVING thereon erected one-half of a two and one-half story double frame dwelling known and numbered as 2L' Rnscmont Avenue, New Cumberland. Pennsylvania. BE1NG the same premises which Matthew J. Szejk and Rebeca B. Szejk, husband and wife, by their decd dated May 16, 2003 and recorded in the Cumberland Count, Record< < of Deeds Office a[ Dced Book 2~7. Pa; 481 granted and com~cycd unto Diana L Summers, single woman. BE1NC ~; ",X PARCEI. # ~> ?~-O(>06-1 ~4 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Members 1st Federal Credit Union is the grantee the same having been sold to said grantee on the 11 day of Juiy A.D., 2012, under and by virtue of a writ Execution issued on 31 day of October, A.D.; 2011, out of the Court of Common Pleas of said County as of Civil Term, Number 6491, at the suit of Members 1st Federal Credit Union against Diana L. Summers and The United States of America is duly recorded as Instrument Number 201224632. 2011 IN TESTIMONY WHEREOF, I have hereunto set my~ hand and seal of said office this ~~______da~y of ~ ~ ~ Recorder of ~ee~ +mbMrd Caur~ Py1 ~f- rio F7r>t Iiondgr d 9Dt