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HomeMy WebLinkAbout11-9521PHELAN HALLINAN & SCHIvIIEG, LLP Clirisovalante P. Fliakos, Esq., Id. No.94620 FILED-OFFICE 1617 JFK Boulevard, Suite 1400 OF THE PROTHON0TA ORNEY FOR PLAINTIFF One Penn Center Plaza } Q? 2 $ AM i0» 02 Philadelphia, PA 19103 215-563-7000 r RLANO COUNTY CITIMORTGAGE, INC. SB/M TO ABN AMRONSYLVANiA MORTGAGE GROUP, INC. COURT OF COMMON PLEAS 1000 TECHNOLOGY DRIVE OTALLON, MO 63368 CIVIL DIVISION V. Plaintiff TERM RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Defendants NO. II. 9:5 al ?-V(* I CUMBERLAND COUNTY CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE File #: 253267 y, Ck-? /? yob s? NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE, THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 File #: 253267 1. Plaintiff is CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE OTALLON, MO 63368 2. The name(s) and last known address(es) of the Defendant(s) are: RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. On 05/30/2003 RODNEY N. MANN and MELISSA R. BRIGGS made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Book No. 1815, Page 475. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4. The premises subject to said mortgage is described as attached. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 03/01/2010 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 253267 6 The following amounts are due on the mortgage as of 07/25/2011: Principal Balance $111,748.96 Interest $9,732.39 02/01/2010 through 07/25/2011 Late Charges $1,105.50 Property Inspections $304.50 Appraisal/Brokers Price Opinion $168.00 Mortgage Insurance Premium / $107.98 Private Mortgage Insurance Escrow Deficit $3,144.56 Subtotal $126,311.89 Suspense Credit ($12,000.00) TOTAL $114,311.89 7 8. Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974 and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon. File #: 253267 WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $114,311.89, together with interest, costs, fees, and charges collectible under the mortgage including but not limited to attorney fees and costs, and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHMIEG, LLP By: Chrisovalante P. Fliakos, Esq., Id. No.94620 Attorney for Plaintiff File #: 253267 LEGAL DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in the Borough of Shiremanstown, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of Green Street, said point being on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein; thence along the southern line of Green Street, North 81 degrees 30 minutes 00 seconds East, ninety-one and thirty-seven one-hundredths (91.37) feet to a point; thence South 08 degrees 30 minutes 00 seconds East, one hundred fifty-five and zero one-hundredths (155.00) feet to a point; thence South 81 degrees 30 minutes 00 seconds West, ninety and twenty-five one-hundredths (90.25) feet to a point on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein; thence along said dividing line North 08 degrees 55 minutes 00 seconds West, one hundred fifty-five and thirteen one-hundredths (155.13) feet to a point on the southern line of Green Street, the place of BEGINNING. BEING the same premises which James D. Bogar, Executor of the Last Will and Testament of Amy C. Keyser, late of the Borough of Shiremanstown, Cumberland County, Pennsylvania, by deed dated June 29, 1999 and being recorded in the Cumberland County Recorder of Deeds Office in Deed Book 222, Page 1007, granted and conveyed unto Jason A. Yeakle. The said Jason A. Yeakle is married to Lindsey J. Yeakle who joins in this conveyance. PROPERTY ADDRESS: 410 EAST GREEN STREET, SHIREMANSTOWN, PA 17011- 6721 PARCEL # 37-23-0555-330 File #: 253267 VERIFICATION Dan FRzgerald DocuRMAt Qontrol Offcer , hereby states that he/she is of, CITIMORTGAGE, INC., Plaintiff in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. DATE: 11-22 -2-,?)l File #: 253267 Name: MANN Name: Dan FRzgeraid Title: Docunwtt Control Officer CITIMORTGAGE, INC. Filet 253267 SHERIFF'S OFFICE OF CUMBERLAND ' 4 _,.., Ronny R Anderson Sheriff r'"? i "'J" 26 PH 2 : 4 i {-Yk'L` 1fFlkk Jody S Smith v Rf Ali Chief Deputy Ja?Su?R PEt'IIS rL VA : Richard W Stewart Solicitor ? i. CITIMORTGAGE, Inc:., vs. Rodney N. Mann (et al.) SHERIFF'S RETURN OF SERVICE Case Number 2011-9521 12/29/2011 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: Rodney N. Mann, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of York County, Pennsylvania to serve the within Complaint In Mortgage Foreclosure according to law. 12/29/2011 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: Melissa R. Briggs, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of York County, Pennsylvania to serve the within Complaint In Mortgage Foreclosure according to law. 01/03/2012 04:38 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on January 3, 2012 at 1638 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Rodney N. Mann, by making known unto Melissa Briggs Mann, Wife of Defendant at 410 E. Green Street, Shiremanstown, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same_ . 'MICHAEL BAR RICK, DEPUTY 01/03/2012 04:38 PN1 - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on January 3, 2012 at 1638 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Melissa R. Briggs, by making known unto herself personally, at 410 E. Green Street, Shiremanstown, Cumberland County, Pennsylvania 17011 its contents and at the sam time handing to her personally the said true and correct copy of the, same. /, AEL BA RICK, DEPUTY 01/12/2012 York Couinty Return: And now, January 12, 2012 I, Richard P. Keuerleber, Sheriff of York County, Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Rodney N. Mann the defendant named in the within Complaint in Mortgage Foreclosure and that I am unable to find her in the County of York and therefore return same NOT FOUND. Request for service at 10 Spring Drive, Dillsburg, Pennsylvania 17019 the Defendant was not found. Deputies were advised, Rodney N. Mann is thought to be residing at 410 E. Green Street, Shiremanstown, Pennsylvania 17011. 01/12/2012 York County Return: And now, January 12, 2012 I, Richard P. Keuerleber, Sheriff of York County, Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Melissa R. Briggs the defendant named in the within Complaint in Mortgage Foreclosure and that I am unable to find her in the County of York and therefore return same NOT FOUND. Request for service at 10 Spring Drive, Dillsburg, Pennsylvania 17019 the Defendant was not found. Deputies were advised, Melissa R. Briggs is thought to be residing at 410 E. Green Street, Shiremanstown, Pennsylvania 17011. SHERIFF COST: $100.00 January 20, 2012 SO ANSWERS, RONNY R ANDERSON, SHERIFF SHERIFF'S OFFICE OF YORK COUNTY Richard P Keuerleber PETER J. MANGAN, ESQ. Sheriff Solicitor Reuben B Zeager Richard E Rice, II Chief Deputy, Operations Chief Deputy, Administration CITIMORTGAGE INC S/B/M ABN AMRO MORTGAGE GROUP INC. Case Number vs. MELISSA R. BRIGGS (et al.) 11-9521 CIVIL SHERIFF'S RETURN OF SERVICE 01/12/2012 I, RICHARD P KEUERLEBER, SHERIFF, WHO BEING DULY SWORN ACCORDING TO LAW, STATES HE MADE DILIGENT SEARCH AND INQUIRY FOR THE WITHIN NAMED DEFENDANT TO WIT: MELISSA R. BRIGGS, BUT WAS UNABLE TO LOCATE THE DEFENDANT IN HIS BAILIWICK. THE SHERIFF THEREFORE RETURNS THE WITHIN REQUESTED COMPLAINT IN MORTGAGE FORECLOSURE (CIMF) AS "NOT FOUND" AT 10 SPRING DRIVE, DILLSBURG, PA 17019. PER DE.FTS. MOTHER-IN-LAW NANCY MANN, DEFT LIVES AT 410 EAST GREEN ST., SHIREMANSTOWN, PA 17011. 01/12/2012 I, RICHARD P KEUERLEBER, SHERIFF, WHO BEING DULY SWORN ACCORDING TO LAW, STATES HE MADE DILIGENT SEARCH AND INQUIRY FOR THE WITHIN NAMED DEFENDANT TO WIT: RODNEY N. MANN, BUT WAS UNABLE TO LOCATE THE DEFENDANT IN HIS BAILIWICK. THE SHERIFF THEREFORE RETURNS THE WITHIN REQUESTED COMPLAINT IN MORTGAGE FORECLOSURE (CIMF) AS "NOT FOUND" AT 10 SPRING DRIVE, DILLSBURG, PA 17019. PER DEFENDANTS MOTHER NANCY MANN, DEFT. LIVES AT 410 EAST GREEN STREET, SHIREMANSTOWN, PA 17011. SHERIFF COST: $49.87 SO AN S, January 12, 2012 ICHARD P K ER EB R, SHERIFF NOTARY ;w N A Affirmed and subscribed to before me this 12TH day of JANUARY 2012 M`' E ES AUG 12, 2013 1--C 4" Rodney N. Mann 2312 MAR -6 PM 3: 5 j Melissa R. Mann(Briggs) CUMBERLAND COUNTY Defendant(s) PENNSYLVANIA V. CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP,INC. Plaintiff Dear Sir or Madam, A4,5wer COURT OF COMMON PLEAS CIVIL DIVISON NO. 11-9521-CIVIL CUMBERLAND COUNTY In response to the Civil Action #11-9521-CIVIL, statement #1 is correct, that the plaintiff, CITIMORTGAGE,INC. is the current mortgage holder. We confirm that statements #2 & #3 are also correct, that the defendants stated did enter into a mortgage agreement on the date stated. Statement #4, that references the premises, is described accurately and correctly. The statement made in #5 & #6 we can neither confirm or deny as we are not aware of the actual date of the last applied mortgage payment and the fees accrued since that payment was made to the mortgage holder. We can not confirm or deny the statements in #7 & #8 as to what the entirety of the sought judgment is to entail with the intention of foreclosure and the amount described therein. Rod ey N. ann Melissa R. Mann (Briggs) f 410 East Green St. Shiremanstown, PA 17011 PHELAN HALLINAN & SCHMIEG, LLP By: JOSEPH P. SCHALK, ESQUIRE Identification No. 91656 126 Locust Street Harrisburg, PA 17101 (215)563-7000 CITIMORTGAGE, INC. SB/M TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 Plaintiff vs. RODNEY N. MANN MELISSA R BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Defendants Court of Common Pleas Civil Division Cumberland County No.11-9521-CIVIL MOTION FOR SUMMARY JUDGMENT Plaintiff respectfully requests that the Court enter an Order granting summary judgment in its favor in the above-captioned matter and in support thereof avers as follows: 1. There are no material issues of fact in dispute. 2. Plaintiff is seeking only an in rem judgment in this mortgage foreclosure action. 3. On May 30, 2003 Defendants, Rodney N. Mann and Melissa R. Briggs, executed a Mortgage and Promissory Note promising to repay the loan on a monthly basis. A copy of the r.wa - ""' ~~ -- ..o,,, --, ~,.., , E:' ,..~ ~~ Attorney for Plaintiff Mortgage, which is recorded in the Office of the Recorder of Cumberland County in Mortgage Book No. 1815, Page 475 and has been redacted to remove confidential account information, is attached hereto, made part hereof, and marked Exhibit A. A copy of the Note, which has been redacted to remove confidential account information, is also attached hereto, made part hereof, and marked Exhibit A1. 4. The Plaintiff, Citimortgage, Inc., is successor by merger (SB/M) to AMRO Mortgage Group, Inc. A true and correct copy of the merger document is attached hereto made part hereof and marked as Exhibit A2. 5. T'he Mortgage is due for the March 1, 2010 payment, a period in excess of thirty-one months. An Affidavit confirming the default and the amount of the debt is attached hereto, incorporated herein by reference, and marked as Exhibit B. 6. Defendant's default is also evidenced by Plaintiff s loan history, a copy of which has been redacted to remove confidential account information is attached hereto, made part hereof, and marked Exhibit E. 7. The last payment applied to the Defendants' mortgage was on or around August 6, 2010. Plaintiff applied this payment to Defendants' account for the February 1, 2010 payment, as is evidenced by the attached loan history on Defendants' account (see Exhibit E). The account remains due and owing for the March 1, 2010 payment. Furthermore, Defendants have not provided proof of any payments they might have made. 8. Plaintiff has complied with Act 6 of 1974, 41 P.S. §403(a), and Act 91 of 1983, 35 P.S. §1680.401c, by sending Defendants the combined notice provided for under Act 91. A copy of the combined notice (along with proof of mailing), which has been redacted to remove confidential account information is attached hereto, made part hereof, and marked as Exhibit F. 9. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendants have failed to meet with an authorized credit-counseling agency in accordance with Plaintiff s written notice to Defendants (see (see Exhibit F). 10. On December 28, 2011, Plaintiff filed its Complaint in Mortgage Foreclosure. A true and correct copy of the Complaint is attached hereto, made part hereof and marked as Exhibit C. 11. Defendants have filed an Answer in which they have effectively admitted all of the allegations of the Complaint, as is further addressed in Plaintiff s attached Brief. A true and correct copy of the Answer is attached hereto, made part hereof, and marked as Exhibit D. 12. In their Answer, Defendants generally deny paragraphs 5 and 6 of the Complaint, which aver the default and the amounts due on the Mortgage. 13. Plaintiff provided Defendants with a reinstatement quote on November 2, 2010 and July 5, 2011, but Defendants have failed to cure their arrears the loan. A copy of Plaintiffs reinstatement quote has been redacted to remove confidential account information, is attached hereto, made part hereof, and marked as Exhibit G. 14. Defendants have failed to sustain their burden of presenting facts which contradict the averments of Plaintiff s Complaint. 15. Defendants have the right to reinstate or payoff the loan up until one hour before a scheduled Sheriffs Sale. WHEREFORE, Plaintiff respectfully requests that an in rem judgment be entered in its favor for the amount due plus interest and costs as stated in the Affidavit in support of the Motion for Summary Judgment, for foreclosure and sale of the mortgaged property. Respectfully submitted, PHELAN HALLINAN & SCHMIEG, LLP Date: t----- By: os ph .Schalk, Esquire A rney for Plaintiff ~ .._. . ~ ~~ Rhea recordaci mail to: ASl1 AMRO MORTGAiR; t3ROITP, IHC. P.O. BOX 5064 TROY, i~iICBIC~T 48884 ATTII: FIIiAL/TRAILI1rt3 DOCtIlIEDITS ....'~J~~UE~; 0. QEEDS ' n~ JUN ~ Phi IZ ~3 [Space Above Thh line For Recording Data] MORTGAGE DEF[NITIONS Words used in multiple sections of this document are deflnod below and other words are defined in Sections 3, i 1, i3, 18, 20 and 21. Certain ruins regarding the usage of words used in this document are also provided in Section iti. (A) "Security Instntmont" means this document, which is dated rm.Y 30, 2003, together with all Ridors to this document. (B) "BOrrOWOr" i4 RODHEY B MASH, AbID 14ELI88A R SRIQls16 ~ Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Atia AMRO MORT(iAC~ (i;ROUP, ISC. initials: PENNSYLVANIA-mingle Family-Fannin Maa/FrotMie tYlac UNIFORIN INSTRUMENT Frnm 3o381I07 Q. tt~-2002 Onl~e Documarks, inc. Pag6 1 of 16 PA[1DEED RAUDEDL 0211 e~~siS~co~7~ l~rr under is a C.ORPORATIOII organized and existing under the laws of as>;.1-t~. Lender's address is ab0a N. BIC,~ SSAt76R RD. , TROY, NICBIti118 4$084. Lender is the mortgagee under this Security Instrument. {D} "Kota" means the promissory note signed by Borrower and dated MAY 30, 2003 . The NOta states that Borrower owes Lender *****~it3 Ht1DIDRED T11S>1TY FQVR TAOt-SA11D SI7t HtJtIDRBD Pli1D 110/100*~*****«*****:*+*a********* Dollars {U.S. $1a4,60o.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt In fuN not later than Jtrrts i, ao33. (E7 "Property" means the property that is described below under the heading "Transfer of Rights in the ~pertY „ (F) "L.oan" 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. (Q} "Riders" means all Riders to this Security Instrument that aro executed by Borrower. The following .FNders are to be executed by Borrower [check box as applicable]: C~Adjustable Rate Rider OCondamsnium Rider ~Secand Home Rider O Balloon Rider O Planned Unit DerrQlopment Rider D Other(s) [gpecifi+j O 1-4 Pamily Rider D Biweekly Payment Rider (H} "Appllcable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and adminlstrative rules and orders {that have the effect of law) as wall as all applicable final, non-appe~abk judicial op~ions. (n "Community Association tires, fees, and Assessments" means ail dues, fees, assessments and other charges that are imposed on Borrower or the property by a condominium association, homeowners association or similar organization. (J} "EisctronkF~IdsTn~nstlar"meansanytransferofiunde,ott>~thanatransactionoriginatadbycheck, draft, ~ sirnNar paper ~tstrument, which ~ initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instntct, or authorize a finanaal institution to debit a credit an accaxtt. Such term rcrcludes, but is not l'mited to, point-of sale transfers, automated teNar machine transactions, transfers initiated by telephone, wee transfers, and automated clearinghouse transfers. (K} "F~crow items" means those items that are described in Section 3. (L} "MlscAllansous Proceeds" means any compensation, settlement, award of damages, apro- ceedspaid by any third party (other than insurance proceeds paid under the coverages descried in Section 5} for: (i) damage th, ar destruction of, the Property; (ij condemnation or outer tatting of all or any part of the Property; (ill) conveyance in Neu of condemnation; or (nr} misrepresentations ot, or omissions as to, the value and/or condition of the Property. (Mj "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 in rest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. 2siitials: PENNSYLVANiR-3tngle Family-FanMe Ma~tFrsddie Mae UNIi:ORM INSTRUIdENT Fpm 3Q38'f/Ot ® 1999-2002 Online DocumMts. Ina Page 2 of 16 PAUDEOL BIB 18! 5P~0~76 ~1~ {O) "RESPA" means the Real Estate Setttrement Procedures Act (12 U.S.C. _§2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500). as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in then Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "isderally related mortgage loan" even if tiie Loan does not quality as a "tedera0y related mortgage loan" under RESPA. {P) "Suocossor in lrlt9,rost of ti3orrower" means any party that has taken title to ihs Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS tN THE PROPERTY This Security Instrument secures to Lander: ~ the repayment ofthe Loan, and aN renewals, extensions and modifications of the Note; and a the performance of Solrow~'s covsnan~ and agr~mentg under this Security Instrument and the Nom. For this purpose, Borrwver does hereby mortgage, grant and convey to Lender the tolks~lg desoribed property located in the coveTz ITyae of Rseading Juri:dk~ion) Of YORK [Name of Recording Jurisdiction]: 88E LSG;i-L Diit3CRIPTIOP ATTACHED HERETO A1TD I~If+tLDB A P]1RT ttERt3OB. which currently has the address of 414 E C;iREEN t3T,H IitI~8E1~,,~~ PPr 1~°~ C 11"~CSS l --- (straetl (C~+I Pennsylvania 4;~ {"Property Address'y: t21p Cods] TOGETHER WITH all the improvements now or hereafter erected on the property, and aii easements, appurtenances, and iixxtures now or hereafter a part of the property. All replacements and additions shat! also be covered by this Security Instrument. Atl of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower ~ ~Iwfu~y 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 ofrecord. Borrower warrants and will defend generailythe 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 byjurisdiction to constitute a uniform security instrument c eying real property. Initials: PENNSYLVANIA-Smg~ Family-Fannle MaolFraddis Mac UNIFORM INSTRUMEM' Form 30391101 ®1999-20Q2 Online Doeumenta, Inc. Pag6 3 a# i6 pAUQEDL e~~$~~P~a~~7 ~~~~~ UNIFORM COVENANTS. Borrower and Lsrlder covenant and agn:e as follows; 1. Payrnor-t of Principal, tntsrost, Escrow llama, PrepaynteM Char~pa, and Lois C~rg~s, Borrower shall pay when duo the principal of, and interest on, the debt evidenced by the Nom and any prepayment charges and late charges due under the Note. Borrower shoe also pay funds for Escrow items pursuant to Section 3. Payments due under the Note and the Security Instn+meM shah be made in U.S, currency. liowev~, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned th Lander unpaid, Lender may reoluke that any or aA subsequent payments dus under the Note and this Security Instrument be made in one or more of the folowing forms, as selected by Lender: (a} cash; (b) money order; (c} certified check, bank check, treasurer`s chock or crashter's check, provided any such chock is dream upon an hsfitutbn whose deposits are insured by a federal agency, instrumenta~ty, or entity; or (d} E7ectronlc Finds Trancfer. Payments are deemed received by lender when received at the Mcation designated in the Note rx at such other location as may be designated by Lencksr in accoMance with the natloe provisions in Seen 15. Lender may Tatum any payment or partial payment if the payment or partial pymenb are insuifiaent to bring the Loan current. Lender may accept any payment or pargal payment insufficient to bring the Loan current, without waiver of any righfis hereunder or prejudice to its rights to ruse such Payment or partied payments in the future, but Lender is not oblfQated to apply such paynwnts at the lima such payments are accepted. If each Periodic Payment is applied as of its achv~Iled due date, then Lander need not pay interest on unapplied funds. Lender may hold such unapppad funds until Borrower makes paymatt to bring the loan current. ff Borrower does not do so within a reasonable period of tkne, Lender shall other apply such funds or return them to Borrower. If not apptlut earfier, such funds will be applied to the outstanding prindpal balance under the Note inurlediafbNy prior to forec~osute. No offset or claim which Borrower might have now or in the future aga~Iet Lender shad relieve Borrower from making payments due underthe Nobs and this Security kstrument a performatg the cavenanb and agreements secured by this Security Instrument. Z. ApplkaMon of Payments or Prooeada Excx3pt as otlterwise described in this Section 2, aM payments arxepled and applied by Lender shall be applied in the foQovving order of priority: (a} interest due und~rthe Nato; ro) princ~al due underthe Nobs; (c) amounts due under Section 9.3uch payments shah be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shad be appfied first to fate charges, aeoond to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lander receives a payment from Borrower for a deNnquent Periodic payment wtUch inckldea a suflloier-t amount to pay any late charge due, the payment may be appt~d to the delinquent payment and the late charge. M more than one Periodic Payment is outstanding, Lender may apply any payment rem from Botrotivertothe repayment afth~ Periodic Payments if, and b the extent ~. each payment can be paid in full. To the extent that any excess exists after tlw payment is applied to the ivy payment of one or more Periodic Payments, such exoess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as deacr~ed in the Note. Any appioation of payments, insurance proceeds, ar I~acetlarteous Proceeds to prirlapN due under the Note shah not extend or postpone the due date, ar change the amount, of the Peroidic Payments. 3. Ftatefs for Eacraw Items. Borrower shah pay th Lender on the day Peroidic Payments are due under the Note, unW the Note is paid in full, a sum {the "Funds°) bo provide for payment of s unts dw for: (a) taxes and assessments and ottler Rams which can attabn priority over this Securk initials: PENNaYLVANUI-SMg1s PamNy-FanMa Maa/Frad~a Maa UNIFORM INSTRUMENT Fam 301Y 1 /ot d3 tiKi9-2002 brdir» Docwnents, inc. Page 4 of 16 PAUDEDE 8.t 18 15PG0~78 ~~~rr as a lien or encumbrance on the Property; {b) leasehold payments ar ground rents en the Property, if any; (c) pr~nlurns for any and afi 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 arxordancewith the provisions of Section 10. These items are caked "Escxow Items " At origination or at any time durMg the term of the Loan, Candor may require that Community Association Dues, Fees, and Assessments, 'If any, be escrowed by Borrower, and such dues, fees and acsassments shah be an Escrow Item. Borrower shall promptly famish to Lender all notices of amounts to be paid under this Section. Borrower shelf pay Lendarthe Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lander may waive Borrower's obligation to pay io Lender Funds for any or all Escrow llama at any time. Any such waiver may only ba in wrfting. In the event of such waiver, Borrower shat pay directly, when and whore payable, the amounts duo for any Escrow Items forwhich paymentof Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lander may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be dasmed to ba 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 Borrowerfails to pay the amount due for an Escrow (tam, Lender may exert;ise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 8 to repay#o Lendarany such amount. Lendermayrevokethewaiverastoanyorafi Escxaw Remy at anytime by a notice given in accordancawith Section 15 and, upon such revocation, Borra+aer shall pay to Lsnda' all Funds, and in such amounts, that are then raqu~ed under this Section 3. Lender may, at any time. collect and hold Funds in an amount (a) sufficientto permit Lender to apply the Funds at the torte specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lander shall estimate the amount of Funds due on the basis of currant data and reasonabia estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds ehatl be held ~ an institution whose deposits are insured by a federal agency, instnartentaliiy, 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 lima specified under RESPA. Lender shah not charge Borrower for holding and applying the Funds, annually anatyting the escrow account, ar 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 requiros interost 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, Lander shall account to Borrower for the ewcess funds in acxordance with RESPA. if there ~ a shortage of Funds held in escrow, as deM>ted under RESPA, Lender shaA notify Borrower as required by RESPA, and Borrower shall pay tD Lander the amount necessary do make up the shortage in accerdance with RESPA, but in no more tfian 12 morAhly payments. tf theta is a deficiency of Funds head in escrow, as defined under RESPA, (.ender shall notfy Borroweras required by RESPA, and Borrowarshall payto Lenderthe amount neces to make up the deficiency in accordance with RESPA, but in no more than 12 monthly paymen ~ ":~ Initials: PENlfBYIVANIA-~rtpte Fart~ly~FannN MaelFreddla Mac UNIFORM INSTRUMENT Form 30391/01 ®1989-2002 OnlEne Docurnwns, Irtc. Page 5 Q• 16 PAUDEDL 8;~18~15PG0419 Upon payment in full of ail sums secured by this Security Instrument, Lenders r r to Borrower any Funds held by Lender. 4. Chergsa; Elects. Borrower shah pay ail taxes, assessments, charges, fines, and impositions atMbutable 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 extant 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 Insfiument unless Borrower: (a) agrees In writing to the payment of the obligaticn secured by the ben in a manner acceptable to I..artder, but only so long as Btarawer is performing such agreement; {b) contests the Ilan in good faith by, or defends against enforcement of the lien in, kgal proceeda~gs which in Lender's opini~ operate to prevent the enforcement of the liven while those proceedings are pending, but only un#ii such procaed'mgs are cancuded; or (c) secures from the kidder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. ff 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 Tien. Vlrrthin 10 days of the date on wh~h 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 eons-tans charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. Properly lrlsuranca. Borrower shaft keep the improvements now existing or hereafter erected on the Property insured against bss byfire, hazards included within the term "extended coverage," and any other hazards induding, but not timiWd bo, earthquakes and floods, for which Lender requires insurance. This insurance snail be maintained in the amounts (including deductible levels} and for the periods that Lender requires. What tender requires pursuant in the preceding sentences can change during the farm 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 aye-time charge for flood zone determination, certification and tracking services; or {b) a one-time charge for flood Iona determination and certification services and subsequent charges each time ramappings a simflar changes occurwhich reasonably might affect such determination or certlfication. Bortovrer shall also be responsible for the payment of any fees imposed by the Federal F~nergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. H Borrower fads to maa~tain any of the coverages described above, Lender may obta~ insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation m purchase any particular type or amount of coverage. Therefore, such coverage shah cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, ar the conterrts oftha Property, agaatst any risk, hazard or liab~ity and might provide greater or lesser coverage than was previously in effect. Harrower acknowledges that the cost of the insurance coverage so obtained might sign'~icantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall became additional debt of Harrower secured by this Security Instrument. These amounts shall bear interest at the Note rata from the date of disbursement and shall be payable, wig s interest upon notice from Lender to Borrower requesting payment. Initials PENNSYLVANIA-single Famihr-Fannla Maa/Freddia Mac UNIF~iM IN3TRUMENF Form 30381(07 ®1988.2402 Online Dowiranta, Iris PagA f3 Of t8 FAUDEDL ~~{1815~G0~8a All insurance polities required by lender and renewals of such pdicies shaA be su o nder'• right to disapprove such pdides, shall Uclude a standard mortgage clause, and shah name lender as mortgagee and/or as an additional loss payee. Lender shag have the right to hold the podcies and renewal certificates. ff Lender requires, Borrower shag promptly give to Lender afl receipts of paid premiums and renewal notices. ff Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall inducts a standard mortgage douse and shall name Lender as mortgagee and/or as an additional lass payee. In the event of toss, Borrower shall give prompt notk~ ~ the insurance carrierand Lender. Lender may make proof of bss if not made promptly by Borrower. Unless lender and Borrower otherwise agree in wr[tthg, any insurance proceeds, whether or not the underlying insurance was requirod by tender, shah be applied to restoration or ropair of the Property, ~ the restoratbn or repair is economic~r feasble and Lender's security is not lessened. Dur~g such repair and restoration perbd, L~der shall have the right to hoW such insurance procxeds until Lender has had an opportunity to inspect such Property to ensure the work has bean completed to Lender's satisfaction, provided that such inspection shah be underdaken promptly. Lender may disburse proceeds f~ the repass and restaatian in a single payment or in a series of pt ogress payments as the work is completed. Unless an agreement ~ made in writing ar Applicable Law requires intereetto be paid on such ~-surance proceeds, Lender shaft not be required to pay Borrower any interest or eam ~ on such proceeds. Fans for public adjusters, or other thins parties, reta~ed by Borrower shall not be paid outofthe Usurance proceeds and shah be the sole obdgation of Borrower. If the t~taration or repair is not economicallyfeasible or Lendor's securitywould be lessened, the insurance proceeds shad be applied to fire sums secured by this Security Irtisttwment, whether or not then due, wish the excess,rf any, paid to BoroH-er. Such insurance proceeds shall be applied in the order provided for ~ Section 2. N Borrower abandons the Property, Lender may file, negotiate and settle any available insurance daim and related matters. tf 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 w~ begin when the notice is given. In either event, or if Lander acquires the Property under Section 22 ar otherwise, Borrower hereby ass(gns to Lender (e~ Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the tVote ar this Security Instrument, and (bj any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance paddes coverthg 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. Occupanoy. Borrower shall occupy, estabdsh, and use the Property as Borrower`s principal residence within 60 days afDer the execution of this Security Instrument and shall continue to occupy the Property as Borrower's princ~al residence far at feast one year altar the date of occupancy, unless Lender otherwise agrees in writing, which consent shad not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maktfenerrtre and Protoction of the tsropwty; Inspoctlons. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste an 1Fre Property. Whether or not Borrower is residing in the Property, Borrower shad maintain the Property in order to prevent the Properly from deter~rarting ar decreasing in value due to its condition. Unless it is determined pursuant to Section5thatrepairarrestorationisnoteconomicallyieasible,Borrowershallpromptiyrepair ePraperty it damaged to avoid further deterioration or damage. ri insurance or condemnation pros ai ' initials: PENNSYlVAH1A-Single Fempy--Fonnla AAca/Frad~o Mac UNIFORM INSTRUMfNT form 30391/61 Ri 1998-2002 OnRno t~uments, Inc. IsagO 7 Of 16 PAUQEQL g~sacs~~o~a~ ~~~. connection with damage th, ar the taking at, the Property, Borrower shall be respond a Far repatrkrg or restorhg the Property onty if Lender has released proceeds for such purposes. Lender may disburse proceedsfarthe repairs and restoration in as~e payrnentor in a series of progress payments as the work is oarnpiBted. !f the insurance or condemnation proceeds are natsufficisrrt to repair or restore the Property, Borrower is not reieved of Borrower's obligation for the c~mptetion ~ such repair or restoration. Lender or its agent may make reasonable en0~ies upon and krspectiotrs of the Property. If it has reasonable cause, Lender may inspect the irrterivr of the improvements on the Property. Lender shah give Borrower notice at the time of or prior to such an interior inspection specify~g such reasonable case. B. Borrawor's Loan A,pplkstlon. Borrower shah be ~ default if, during the Loan application process, Borrower or any peroons ar entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, mislead'mg, ar inaccurate irrtarmetion or statements to Lender {or failed to provide Lender with material alformation) in connection with the Loan. Notarial representhtlons include, but are not Ilmited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protactlon of Lender's Interest In tine Property and Rlghis Undertrlls Security Instrument. If (a) Borrower tails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might signincantty affect Lender's interest in the Property and/or rights under tltis Security Instrument (such as a proceed~g in bankruptcy, proba#e, for condemnation or forfeiture, far enforcement of a lien which may attain priority over this Security instrument ar to enforce laws or regulations), ar (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable ~ appropriate to protect Lender's interest in the P-oparty and rights under th is Security Instrument, including protectingand/or assessing the value othe 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 tier which has priority over this Security Mstrument; (b) appear&rg in court; and {c}paying reasonable attorneys' fees to protect its interest in the Properly and/or ruts under this Security Instrument, includrng its secured position in a bankruptcy proceeding. Securing the Property includes, but is net limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eiimarate 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 doss not have to do so and is not under' any duty err obligation to do so. h is agreed that Lender incurs no liability for net taking any ar aA actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Brower secured by this Security Instrument. These amounts shah bear interest at the Note rate from the date of disbursement and shati be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is vn a leasehold, Borrower shah comply with all the provisions of the lease. Borrower shall not surrender the IeasQhold estate and interests herein conveyvtl or terminate or cancel the ground lease. Borrower shall not, without the express written cxrnsent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shaA not merge unless Lender agrees to the merger in writing. 1ti. Mortgagee Insurance. ff Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage insurance in etfec ,for any reason, the Mortgage Insurance coverage required by Lender ceases to be availabiefrom th m initials= PENNSYLVANIA--Single Family-Fannie Maa/Froddba Mao UNIFORM INSTRUMENT Fo-m 30391/01 ® t ~9-2002 Onbns Dxumsnts, tree Page 8 at 16 PAUDEDI ~~~a~s~co4a2 ~~ insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shah pay the premiums requked to obtain coverage substantially equivalentto the Mortgage Insurance previously in effect, at a cost substantia~y equivalent to the cost to Borrower of the Mortgage Insurance previously in affect, from an alternate mortgage insurer selected by Lender. k substantiallry equivalent Mortgage Insurance coverage is not avaNable, Borrower shaft continue to pay to tender 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 thane payments as a non-refundable bss reserve in Neu of Mortgage Insurance. Such loss reserve shall benon-refundable, notwithstanding the fact that the loan is ultimately paid in fuN, and Lander shad not be required to pay Borrower any interest or earnings on such bss reserve. Lender can no longer require loss reserve payments if Mortgage insurance coverage pn the amount and forthe 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 prsmbms for Mortgage Insurance, Borrowershaq pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non- refundab~ loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender provid ~g for such termination or u ntil termination is required by AppNcabte Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the hbte. Mortgage Irtsu rance re~nburses lender (or any entity thatpurohases the Note) for certain bases it may bcx~r if Borrower does not repay the Doan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate thee' fatal risk on all such insurance in forcefrom time to time, and may enter into agreements with other parties that share or rnodily ihek risk, or reduce Fosses. These agreements are on farms and conditions th at are satisfactory tothe mortgage insurer and the other parry (or parties) to these agreements. These agreements may require the mortgage bearer to make payments using any source offends thatthe mortgage insurer may have available (which may include funds obtained from Mortgage insurance premiums}. As a resuR of these agreements, Lender, any purchaser of the Note, another insurer, any reinsures, 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 exc~fiange for sharing or modifying the mortgage insurer's risk, ar reduc~rtg bases. if such agreement provides that an aff~iata of Lender takes a share of the vrsurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement Fs oaten termed "captive reinsurance." Further: (a) Any such sgr+eements wf~ not affect the amoutrts that Borrower has agroed to pay for Aitortga~e Insurance, or arty other terms of the Loco. Such rgroententa will not Increase the rdnount Borravrer wlp owe for Mortga~ Insurance, and they w81 net en1Me Borrower to any refund. (b) Arty such agroemertts will not Ntect the rights Borrower has - If any -with roapect to the Mortgage Insurance under the Homeowners Protsctlon AM of 1898 or any other law, These rights may Enclude the right to rea9ive aerWn dllsclosures, Iio roquwat and obtain cancellation of the Mort~e Insurance, to have the Mortgage Inaurancetorrrdnated automatlcaliy, and/orto receive a rofurtd of any Mortgage Insurance premiums thatwero unearned at the lima of such ollatlon or terrNrwtlon. Initials: PENNSYlVAN1A-Single Fnmfly-Farmfa MA~tFrvddi~ Mac UNIFOHIA INSTRUMENT Form 3039 s/01 m 1999-2002 Online flowmersts, Ina Page 9 Of 16 PAUdEOL B~t8IS~GQ4a3 1 f . Assignment of Miscellaneous Prooeeds; Forfeiture. Ali Misceaaneous~ s are hereby assigned to and shall be paid to Lender. it the Property is damaged, such Misceganeous Proceeds shalt be applied to restoration or repair ofthe Property, ifthe restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lander shah 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, proved that such inspection shaA 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 Applkable law requires interest to be paid on such Miscellaneous Proceeds, Lender shaft 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 M~c~l~neous Proceeds shah be applied to the sums secured by this Security instrument, whether or not than due, with the excess, it any, paid to Borrower. Such Miscellaneous Proceeds shall be apptle~d in the order provided for in Section 2. In the event of a foist taking, destruction, or loss in value of the Property, the Miscellaneous Proceed s shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or foss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value ks equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or bss 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 Misce~aneous Proceeds mukiplied 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) thafair marketvalue of the Property immediately before the partial taking, destruction, or loss in value. Any bakrnce shad be paid to Harrower. In the event of a partial taking, destruction, or loss in vale 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 f3orrauver 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. ffthe Properly is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) afters to make an aware) to settle a claim for damages, Borrower fails to respond to Lender within 30 days sitar the date the notice is given, Lander is authorized to co{lect and apply the Macellaneous 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 partyr against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shah 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 materia! impairment of Lender's interest ~ the Properly or rights under this Security instrument. Borrower can cure such a default and, 'rf acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed wish a ruling that, in Lender's judgment, preludes forfeiture of the Prope or other material impairment of Lender's interest in the Property or rights under this Security Ins ant. Initials: PENNSYLYAI~A-Singh Family-Fannin NwiFreddis Mae UNIFbRM INSTRUMENT Fam 303s t/ot ~ 19Bg-20b2 Once l~cuments, fns. Pa9a 1(} Off $ PAUDEOL B~ 18 l 5PG048~ proceeds of any award or claim f~ damages that are attributable to the impairm nder's inter in the Property are hereby assigned and shall be paid to Lender. Afi fM~cellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided far in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. F~ctension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender tp Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borcawer. Lender shah not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time far payment or otherwise modify amortization of the sums secured by this Security Instru moat by reason of any demand made by the original Borrower or any Successors ~ Interest of Borrower. Anyforbearance by Lender in exercising any right or remedy including, without limitation, gender's axeptance 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-eiyners; Succasaora and Assigns Bound Borrower cov- enants and agrees that Borrower's obligations and liability shall be joint and several. However, any Bon-owerwho co-signs this Security Instrument but does not execute the Note (a "co-signer"): (aj is co- signing this Security Instrument only to mortgage, grant and convey the co-signer's ingest in the Property under the terms of this Security Instrument; {b) is not personaNy obigated to pay the sums secx~red 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 underthis Security Instrument inwriting, and is approved by Lender, shall obtain alt of Borrower's rights and benefits under this Security Instrument. Borrower shah not be reieaaod from Borrower's obligations and IiabBity underthis Security Instrumentunless 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 Lander. 14. Loan Charles. Lerldet 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 ta, attorneys'fees, propertyinspection 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. tf the Loan is subject to a lawwhich sets maximum loan charges, and that law is finally interpreted so that the ~lterest ar other ban charges collected or to be collected in connection wfih the Loan exceed the permitted Gmib, them (a) any such ban charge shah be reduced by the amount necessary fo reduce the charge to ttw permitted Grni~ and ro) any sums already collected from Borrawerwhich exceeded permitted limits vdll be refunded to Borrower. Lender may goose to make this refund by reducing the princ~al owed under the Note or by making a direct payment to Borrower. if a returld reduces principal, the reduction will be treated as a partial prepayment wtihout 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 ayment to Borrower w~1 constitute a waiver of any rigfit of action Borrower might have arising out of suc Initials: PENNSY6Y/W1A-5iegla Famify-~anMa Mao/Fraddla lilac UNiFORIA iSISTfiIIMENT Form30381/01 m leas-zoo2 Onuna Oocw~nems, inc. PagO 11 of 16 PAUDEDL 8~ l 8 15PG4~85` ~.~^~~^ 1S. Notices. Atl notices given by Borrower or lender in connection with s Securitylnstrument must be ~ writing. Any notice to Borrower in connection with this Security Instrument shaft be deemed to have been given to Borrower when mailed by first class map or when actuapy delivered m Borrower's notice addressrf sent by other means. Notice to any one Borrower shall constitute notice b all Borrowers unless Applicable I.aw expressly requires otherwise. The notice address shat be the Propariy Address unless Borrower has designated a substitute notice address by notice to Lender. Harrower shah promptly notify Lender of Borraw~'s change of address. K Lende- specifies a procedure for reporting Borrower's dtiange d address, then Borrower shat ony report a change of address through that sped6ed procedure. There maybeanlyone designated noticeaddress underthis Securitylnstrument atanyonetirne.Anynatice to Lender shag be given by delivering it or by rnaiprtg it by first class mail to Lender's address stated herein unless Lender has designated another address by notke th Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until acWapy received by Lender. tf any notice required by this Security Instrument is also required underApplicable law, the Appbcable Law requirement will satisfy the corresponding requ~ement under this Security Instrument. 18, iiovaming Law; Severabptty; Rules of ConstntcHon. This Security Instrument snap be governed by federal taw and the law of the jurisdiction in which the Property is located. All rights and obpgattons contained to this Security Instrument are subject to any requirements and limitations of Appflcable Law. Applicable Law might explicitly or impiidtiy allow the parties to agree by contract or it might be silent, but suds silence shall not be construed as a prohibition against agreement by contract. In the e~nt that any provision or clause of this Security Instrument ar the Note conflicts wflh Applicable Law, such conflict shag not affect other provisions of this Security Instrument ar 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 correspondtitg neuter words ar wards of the feminine gender, (b) words in the singular shat mean and dude the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation m take any action. 17. eorrovlrer's Copy. Borrower shall be given one copy of the Note and of this Securitylnstrument. 18. Transfor of the Property or a 8eneflclal IMarest 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, contractfor deed, installment sates contract orescrow agreement, the intent ofwhacFt'rs the transfer oftitle by Borrower at a future dateto a purchaser. ff all or any part of the Property or any interest n the Property is sold ar transfierrad (or if Borrower is not a natural parson and a benefical Interest €n Borrower is add or transferred) without Candor's prior written consent, Lender may require immediate payment in fup of aU sums secured by this Seatrity ~strument. However, this option shall not be exercised by Lender ii such ewerdse ie prohibited by Apppcable i.aw. tf Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not Tess than 30 days from the date the notice is given in accordance with Section 15vritttin which Borrower must pay all sums secured by this Security instrument. ff Borrowerfaps 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. N Harrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinu at any time prior to the earliest of: (a} five days before sale of the Property pursuant to any paver of ta' Iaitials~ PENNSYLVANIA--3inglo Familyy-Fannio Mav/Froddio Mac UIdFaRM IP1srRUMENT Fa-m 3o3s 1(ot ®t98B-2002 Onfine Documents, inc. Page 12 of 16 PAUOEDL B~(1815PGa~S6 in the Security Instrument; (b) such other period as Applicable Law might spec~th•~ na on of Borrower's right to restate; or (c) entry of a judgment enforcing this Security Instrument. Those cx~nditiona are that Borrower; (a} pays Lender all sums which then would be due under this Security Instrumart 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 enfiorcing this Security instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation tees, and other fees incurred. fortha 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 obNgation to pay the sums secured by this Security Instrument, shalt continue unchanged. Lender may require that Borrower pay such reinstatementsumsond expenses in oneor mareofthefoNowingforms, as selected by Lender: (a) cash; (b) money order; (c} certified check, bank check, treasurer's cthedc or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by atederal agency, instrumentality or entity; or (d} Electronic Funds Transfer. Upon reinstatement by Borrower, this Security instrument and obligations secured hereby shall remain 1uNy effective as ti no acceleration had occurred. Mowever, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Salo of Kota; Change of Loan Sorvlcor; Notice of f3rlevaneo. Tho Nota ar a partial ~tenast 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 underthe Note and this Security instrument and performs other mortgage loan servicing obfigatlons under the Note, this Security Instrument, and Applicable Law. There also might be one ar more changes of the Loan Servicer unmated 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 th a name and addross of the new Loan Servlcer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of sarvic;ing. if the Note is saki and tfleraafter the Loan is sorvfoad by a Loan Servicar other than the purchaser of the Note, the mortgage loan seMcing 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 Iltlgant or the member of a class) that arises from the other party's actions pursuant tc this Security Instrument orthal alleges that the other party has breached any provisbn of, or any duty owed by reason of, th~ Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compGanoe with the requirement of Section 15} of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take correcthre action, ff Applicable Law provides a time period which must elapse before certain action can be taken, that limo period wtN be deemed to be reasonable for purposes of this paragraph. Tha 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 shah be deemed to satisfy the notice and opportun'lty to take corrective actlon provisions of this Section 20. 21. Hazffidous Substances. As used in the SecticXl 21: (a) "Hazardous Substances° are those substances defined a$ toxic or hazardous substances, pol~taras, arwastes by Environmental Law and the following substances: gasoline, kerosene, other f~mmable or to~oc petroleum products, toxic asticides and herbiddes, voleitNesolvents, materials containing asbestos orformakfehyde, and radios iaitialas PENNSYLVANUI-Single Ferndy--Famie MaNFreddio fYlac UNIFORM pVSTRUMENT Form a0001J01 ®1999-2Q02 online Documerds, lnc, Paps 73 of 16 PAU~OL {JIl { U ~ ~~U04Ci7 (b} "Environmental Law" means federal laws and caws of the jurisdiction where the Pipropiiy im IrtcaN relate to health, safety or env~ontr~ntal protection; (c} "Environmental Cleanup" indudes any response action, rerrled~i action, or r~novai action, as defined in Environmental Law; and (d) an "Envir+armental Gonditbn'nwans acondition thatcan cause, contnbuteto, orotherwise triggeran Envkanmenthl Cleanup. Borrower shall net cause or permit the prossnce, use, disposal, storage, or release of any t-lazardaus Substances, or threaten to re[ease any Hazardous Substances, on or in the Property. Borrower shaall not do, nor atlaw anyone else to do, anything affecting the Property (a) tha# is in violation of any Environmental Law, (b) which creates an Environmental Condon, or (c} which, due to the presence, use, or release of a Hazardous Substance, rxeates a condition that adversely affects the glue of the Property. The preceding two serrtsrlt~s shag not apply tb the presents, use, ~ storage Ott the Property of small quantities of Hazardous Substances that are generally recognized ~ be appropriate in normal reskiential uses and to maintenance of the Property (induding, but not limited to, hazardous substances to oonsum~ products}. Borrower shah promptly give Lender written notice of (a} any instigation, claim, demand, lawsuit or other action by any govemmental or regulatory agency or private party involving the Property and any HazaMous Substance or Environmental Law of which t3orrovrer has actual knowledge, (b} any E.nvkanmental Condition, induding but not limited tor, 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 natifisd by any governmental or regulatory authority, or any private party, that any removal or other rsmsdiation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take afi necessary remedial actions in accordance with Environmental l.aw. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as foNows: 22. Accolaratbn; Rsmecties. Lender atrali 9Mo ~ to Borrvwsr prior th accslsratbn following Bon+owsr's breech of any oorenant or agrosmont in this Security Instrumont (but not prior ~ eccsisnrtion under Ssdbn 18 artless Applleulbis Law providos otherwtso}. Lender shall natiiy l3orrowsr of, among other things: (a) tho dsfauff; (b) the action rsquirod to cure the default; (c) when tits dsfaultmuatbscured; and (d) titertfaNuretacurethsdsfaultasapsNflsd mayresult InaccelsrMfon of the sums asarfrad by thla Sacurtiy Instrumont, tor+edosurs by Judicial procos~ng and orals of the property. Lender shell further inform Borrower of the dgM to rslnsfate att~ acceisrtrtMn ~ tllte rlgM th eaNrt M tlw foredoaure proceeding the non-oxlstencs of a dsfwlt or arty other dsi!snse of Borrower to ~ and foreclosure. if the dsfar>It b not cured as spocMsd, Lender et its option may rscptirs Immadhta payment ~ full of all sumo socurod bytf+ris Sscurily InstrumsrK wltltoutfurthsr demand end rrmy foreclose this Security Instrument by Judicial proceeding. Lender stlell tae sntltisd to collect all expsrrssa i<rcurrsd In pursufr~ the remsdtaa proWdsd M thin Section 22, lrratudktg, but not RrrrRsd to, attorneys' fssa xrd costa of 11Ns svidsnes to tits extKtt psrmtKsd by AppilcaWs Lslw. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security instrument and the estate conveyed shag terminate and become void. After such occurrence, Lender shalE discharge and satiety this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security I nstrument, but onty 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 rele~s any error or defects in proceedings to enforce this Security Instrument, and hereby waives the b efrt of initials: P8NN3YtVAN1A-Single Fam~r--Fanner MaolFroddie Mao UNIFORM INSTRUdfENT Form do381/Ot 8d t988-2002 Ondne Dacume~e. Inc. Pag6 14 of 16 PAUDEDL 0~ 4 S ~ ~~~O~8U i~~~ present or suture laws providing for stay of execution, extension of time, exemption from attachment, levy and safe, and homestead exemption. 25. Relrwtifrtarrl~ Peitlod.Borrower's time to reinstate provided in Section 18 shah extend to one hour prior to the commencement of biddatg at a shetiiPs sale or other sale pursuant to this Securtiy Instrument 28. Puroha~ Moray Mortgalga. 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. Intarast Rato After Judgment. Borrower agrees that the interest rate payable aster a judgment is entered an the Note or in an action of mortgage foreclosu re shah be the rate payable from lane to time under the Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security instrument and in any Rider executad by Borrow and recorded with it. (seal} ROD H _. tseal~ >!~L SSA R H PENNSYLVANIA-Single Family-Fannls Mae/Froddb Mac UNIFORM INSTRUMENT Fovea,WB 1/a1 Qi t99g-2U02 Onlins Ooctunents. Ire. Page 15 01` 16 PAUDEOL Qt~~a~~~~a~a~ Certif+cate of Residence I, do hereby certify that the correct address of thQ within-named Mortgagee is 26ao x. HIc my hand this day of Ccasoriwealth of Gaunty of: Agent Oa this the ~~ day of ZDlJ..3 fore tu, "7'ra~!`S~/yi1 L. A~G~E`'L- t • tied officer, personally appeared ROD>wEZ 1f !f!1>rH A11D lri8LISSA R BR2Gf38, known to tsa (or satisfaatarily proven) to be the parson whose Herres subscribed to the within iastrtmeat and acknowledged that -~ 'r" executed the seas for the purposes tberein contained. • ~""""~~a_tvi ess whereof i hereunto set sy band as ~~<~' E~l[p co~ti,esioa expires .E-- .v' ~.ic ar . '~ ?°~ ~ 'r :.+F Q ~ ~ .,.,, . ~ D1ot~e) Seal ' ~;j'' s~, .-~w~~~ c"'' at L. Noel, Notary Pobiic . ~,:`., + `~ Comm 8oro Curobdlaed Coma tle of Officer - ,'~'~~;~;-*-,:=• MY lsaion~ sue. 18, 2003 ,`'S A.~ ~t r. ~ •l~V r Initials: PEHIN.4YLYANIA--Single Family-FanMs MaolFroddie Mso UNIFORM IN8TRUMENT Fwm 3039 t /Ot ~ rasa-YOO2 ONine oocurr,enta, tna Pag® 18 of 16 PAUDEDI 6~1815PG0490 Commitment Number. 1303 SCHEDULE C legal Description All Umt certain piece or parcel of land situate in Use [iorough of 5hircmanstawn, Cumhcrlanc! Carnly, Pcansyh~ania, bounded and described as follows, to-wit: ticainning at a point on Itte souAterrt side of Greoa Street, said point being oa Ate dividing tine of tatxls now or fomtcrly of t.'harlss L Sftrcincr and lcao A. Shreiner and the GrntNnr Icerein; Atcttce alatg rite soudtcm line of Green Street, North 61° 30' 00" Gast, 41.37 feel to a poutG thatce Soath S° lt1' 00" liaxt, I SS feet to a point; !hence Stnrt6 3I ° 30' OU" West, 40.25 fccf to a point on the dividing line of lands now or fotmaly of Cltarlcs L. Shreiner and Jean n. Sisrciiur and Ate Grot»or herein; thence along said dividing lint North 8° 55 ' 00" West, 155.13 feet to a point at the southern tine of Crecn Street, the place ofbcginnittg. l•/I~VING erected Utcreoh a dwelling known and numbered as is d!Q L Grccn Slrcct, Sttirc~ttaustuwn, 1'A 17011. f Certify this to tie recc~rcJcd In Cur1l~t~rf~nc~ ~~o>rl~~ty~5t~'AC ~-~ -. `i ~t• .r,t,,,. ' ~ w ~° ~ ;,. Recorder of Deeds BEING the same premises which JASON YEAKLE, by Quit Claim Deed dated April 7, 2000, and recorded Jane 7, 2000, in Baok 222, Page 1007, granted and conveyed unto JASON A. YEAKLE and LINDSEY J. YEAKLE, in fee. B~ I $ 15PGO49 l ~T~«'ART TITLE GUARANTY COMPANY '' ~~,t~~~latf ~':~: ~ ~~~~ . NOTE i MAY 30, 2003 CARLISLE, ~ PENNSYLVANIA (Date] [City] ~~/ Sly: w*~aea ~ ->'a I sU' 410 E ORtiEN 8T, 93f~U8DtiR6, A l~a39 ~ / [Property Addssss] 1. BORROWER'S PROMISE TO PAY !n return for a kran tltat I have received, I prom~e to pay U.S. $12 o . oo (this amount is called "Principal"), plus interest, to the order of the Lender. The Lender is AtiN At1RO f4oRTOAas oROtrP, INC. , A DELANARB CORPORATION. I will make ell payments u er this Note i form of cash, check or money order. I understand that the ender may star this Note. Tha Lender or anyone who takes this Note by transfer and who is entitled to receive pa ants undo s Note is called the "Note Holder." 2. INTEREST Interest wiU be c arged on npaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 5 . 5 t . The interest rat requir y this Section 2 is the rata I will pay both before and after any default described in Section 6{B) of this Note. 3. PAYMENTS (A) Time an Place f Payments I wpi pay pri cipal a d interest by making a payment every month. I wNl make y mon !y payment on the day of each month beginning ,nrLx 1, 2003 . I will make thes aym is every month unti I all ofthe principal and interest a any other charges described below that I ma owe nder this Note. Ea onthly p yment wiU a appled as of its s heduled due date and will be applied to inter t be! re Principal. If, n ,7tINB 1 20.33, t stlN owe a ounts under this Note, I will pay those am nts i fuU on that da wh the "Mato ate." I will make y m nthy paymen at 4242 N. AVE. NORRIDCiB IL 60706 ATTNr Z8 NG ~ or at a different tl requ"Iced a Nate Hold (B) Amount nthiy Pa is My montl~lly ym t wiU b in t e amount $737.06. I have the right make payments f Prin ' al at a tanelbefore they era due. payment o Principal only is known as a "Prepayment." en I make a Pr t, I wiN to a ote Holderin writing at 1 am doin so. l may notdesignate a payment as a Prep ant tl I have not made aU the IY peymonts due u der the Note I may make a lull payment or partial Prepaymen 'thout paying a P nyment char a. The Note Holder will use my Prepayments to r uce the amount of Principal that I owe under this No . However, t Note Holder may apply my Prepayment to the acc and unpaid interest on the Prepaym tam t, before lying my Prepayment to reduce the Principal amount of la Note. If I make a partal Prepayment, wUl be no gas in the due date or in the amount of my monthly payment unless the Note Holder agrees In writing to those c gas. 5. LOAN CHARC3ES If a law, which applies to this loan and which sets maximum loan c gas, is fi interpreted so that the interest or other loan charges collected or to be colected in connection with this a the permitted limit, than: (a) any such loan charge shall be reduced by the amount necessary to reduce the ergs to the permitted limit; and (b) any sums already collected from me which exceeded permitted NmUs wUl be refunded to me. The Note Hokter may choose to make this retun by reducing the Prindpa{ I owe under this NoW or by making a direct payment to me. If a refund reduces Principal, the reduction wiN be treated as a partial Prepayment. B. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Leta Chargo for Ovordw Payments N the Note Holder has not received the fuU amount of any monthly payment by the and of 15 calendar days after the data it is due, I wIU pay a late charge ro the Note Holder. The amount of the charge wiN be S . o0ot of my overdue payment of principal and interest. I will pay this late charge promptly butonly once on each late payment. (B) Default If ! do not pay the fuU amount of each monthly payment on the data it is due, I will be in delsult. {C) Notlco of Default If t am in default, the Note Holder may send ma a written notice telling me thatIf I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the toll 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 Walwr By Note Holder Even'rf, at atimewhen i am in default, the Note Holder does not require me to pay immediatey in full as ascribed above, the Note Holder will still have the right to do so K I am in default at a later time. Ioitiale: MULTISTATE FgtED RATE NOTESinpk Famiy-FanMa MaNFrWdia Mac UN~ORM INSTRUMENT Form 32001!01 O 1998.2002 Onllna Oocumeme, Inc. Page 1 Of 2 F3200NOT 0208 4006LWUQ EXHIBIT A 1 ~~~ (E) Paynwnt of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for ail of its costs and expenses in enforcing thts Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees, 7. GtY{NG OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing It by first class mail to me at the Property Address above or at a different addressrf i give the Note Holder a notice of my different address. Any notice that must be given to the Not der under this Note wIM be given by delivering it or by mailing it by fast class mail to the Note Holder at the addr stated in Section 3(A) above or at a different address if l am given a notice of that different address. e. OBLIGATIONS OF PERSONS U DER THIS NOTE ff more than one person signs s Note, each person is fully and personedly obli sled W keep aN of the promises made in this Note, including the pr ise to pay thefuN amount owed. Any person who a guarantor, surety or endorser of this Note is also oblgated to do ese th' s. Any person wha es these obli lions, including the obligations of a guarantor, surety or endorser fthis te, is also obi k a o prom madeln this Note. The Note Holder may enforce its rights and this ote against each on in ' ' or again eN of us together. This means that any one of us may be requfr d to ay ail of the amount th Nate. g. WAIVERS I and any other person who h s ligations under Note waiv a rights of sat ant and Notice of Dlshanor. "Presentment" means the rigfit t r wire the Note er to den d yment of ou is due. "Notice of Dishonor" means the right to require the N to elder to given a to other ons that am n due have net been paid. 10. UNIFORM SECURED NOT ~ This Note is a uniform instru en liml varier ons i some jurisdictions Ina ition to the protections given to the Note Helder under this Not a , Deed o or Security Deed the " unity InsUument"), dated the same date as this Note, protects Note Holder from possible losses which might It it { do not keep the promises which I make in this Note. That Sec ity Instrument describes how and underwhet ditions I may be required to make immediate payment in fuN of aN am nts I owe under this Note. Soma of those conditions are described as follows: If aN or any part of the Prop or any Interest In the Properly is sold or transferred (or ff Borrower is not a natural person and a beneficial int tin Borrower is sold nsferred) without Lender's prior written consent, Lender may require immediate pa tin full of all s secured 6y this Security Instrument. However, this option shah not be exercised by Lend excise is prohibited by Applicable Law. If Lender exercises this option, Lender shalt gnro l3ortawa 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 Secton 15 within which Borrower must pay aN sums secured by this Security Instrument If Borrower tails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrumentwithoutturther notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED (9ea1) R H (Seal) [Sign OHglnal Only] MULTI8TATE fDCED RATE NOTESinpk FemiyFannN Mnnn/FnddN Mao UNIFORN INSTRUMENT Fomt~20o t/Oi ® tscsa•2oo2 On~~ Doeumantn, Inc. Page 2 of 2 F3zooN07 ~~ EXHIBIT A2 BCS - Acordex Java TIFF Viewer Page 1 oi' 1 ~E~~~~~~ State of New 'York ~ ss: s~~ 2 i xon7 I3epartment of State ~o,~ ~" I hereby ctertity, that a CertiEiat-te of Merger, ABN AMRO MORTt~AGB GROUP, INC., a Delaware avrgvratian, with and into CITIMORTGA08, INC., s clew Yark corporation, and adoption of. the name CITIDSOaTGAGIs, INC., was filed in this Departtaent on OB/31j2007, with an ai`Eeativa date Of 09/O1j2007, »»w ~777~l.ESS rrty ~iartt! and the nfj4`cial seal'. of the 17cpartrrur+t a~Sratc art the Gicy of ~ilbatrsy, clzis 19th day of Sapzrni~rr ~~ra rliouutnd and seven. Special Depstty Secretary of Stare 200709200230 A8 ~I'L~~ 5EP 2 6 20Q7 r Actin OI! SE$4{cK g~il DF C6NIM« 22 http:/Iwww.dleg.state.mi.usfE~cs_Carp;image.asp`?F~II.;E_"TYPE=-UCt~&FILF3 NAY1E=D2,., 11/23(2079 Exhibit "B" IN THE COURT OF COMMON PLEA5 OF CUMBERLAND COUNTY, PENNSYLVANIA CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 PLAINTIFF vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO.11-9521-CIVIL RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 DEFENDANTS AFFIDAVIT Mean E. Barley ,being first duly sworn on oath, deposes and states as follows: 1. I am employed by CitiMortgage, Inc. as a Document Control Officer. In the capacity, I am authorized to execute this affidavit on behalf of CitiMortgage, Inc. The statements made in this Affidavit are based on my personal knowledge. 2. In my capacity as a Document Control Officer, I have access to CitiMortgage, Inc. business records, including the business records for and relating to the account that forms the basis of this foreclosure action. I make this affidavit based upon my review of those records and from my own personal knowledge of how they are kept and maintained. The loan records are maintained by CitiMortgage, Inc. in the course of its regularly conducted business activities and are made at or near the time of the event, by or from information transmitted by a person with knowledge. 3. I reviewed CitiMortgage, Inc. business records, and I relied upon these records for the statements made in this Affidavit, which include but are not limited to the Mortgage, Note, and ., CitiMortgage, Inc. electronic servicing system. True and correct copies of the Mortgage and Note are attached hereto. 4. By letter dated 07/08/2010, a Notice of Intention to Foreclose ("Notice") was sent to Defendant as required pursuant to Pennsylvania law. The Notice is a business record of CitiMortgage, Inc., maintained in the regular course of business. I make this affidavit based upon my review of that record relating to the Defendant's loan and, from my personal knowledge of how it is kept and maintained. The Notice is maintained by CitiMortgage, Inc. in the course of its regularly conducted business activities and is made at or near the time of the event, by or from information transmitted by a person with knowledge. A true and correct copy of the Notice is attached hereto. 5. The date of the mortgage is 05/30/2003 for the property located at 410 East Green Street, Shiremanstown, PA 17011. CitiMortgage, Inc. is the mortgagee and the servicer of the loan. 6. The subject Mortgage is in default under the terms of the loan documents and the default has not been cured, making the entire balance due pursuant to the terms of the loan documents. 7. As a result of the default, the amounts due as of 08/24/2012, exclusive of attorneys fees and costs are as follows: Principal Balance Interest Due from 02/01/2010 through 08/24/2012 at 5.8750% Accrued Late Charges Escrow Escrow Deficiency-Real Estate Taxes Paid on 04/03/12 for $640.19 Escrow Deficiency-Real Estate Taxes Paid on 08/10/11 for $1,760.51 $111,748.96 $16,826.70 $1,105.50 $6,805.13 Escrow Deficiency-Real Estate Taxes Paid on 04/12/11 for $609.30 Escrow Deficiency-Real Estate Taxes Paid on 08/17/10 for $1,412.37 Hazard Insurance 05/17/12 for $ 558.00 Hazard Insurance 05/19/11 for $529.00 Mortgage Insurance Premium/Private Mortgage Insurance $ 1,295.76 07/26/1.2 for $53.99 06/26/12 for $53.99 05/23/12 for $53.99 04/25/12 for $53.99 03/28/12 for $53.99 02/23/12 for $53.99 01/26/12 for $53.99 12/22/11 for $53.99 11/23/11 for $53.99 10/27/11 for $53.99 09/23/11 for $53.99 08/26/11 for $53.99 07/27/11 for $53.99 06/24/11 for $53.99 05/25/11 for $53.99 04/28/11 for $53.99 03/25/11 for $53.99 02/24/11 for $53.99 01/26/11 for $53.99 12/23/10 for $53.99 11/25/10 for $53.99 10/29/10 for $53.99 09/24/10 for $53.99 08/27/10 for $53.99 Broker's Price Opinion/Appraisals $504,00 Property Preservation $p.00 Property Inspections $466.50 TOTAL $137,456.79 By: AF ~ Megan E. B ey Document Control Officer Date: ~~/ ~~/~~~~ Subscribed and sworn to before me this / ~~ day of (aC~ , 20 ~Z, by Megan E. Barley _ ,Notary Public State of Mi8S0~ My commission expires: ~/Z z~/`'/ Personally Known T OR Produced Identification /"' ~ Type of Identification Produced: ~~~ .~,.~~ otarylMM MI~l1 N StslsM ~ ~ st. cna~ comer Commission X10009964 Mp Connnission Elba A~tst 22.2014 File Name: RODNEY N. MANN and MELISSA R. BRIGGS PHS # 253267 ~C ~-~. Exhibit "C" PHELAN HALLINAN & SCHIv1tEG, LLP Chrisovalante P. Fliakos, Esq., Id. No.94620 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 253267 CITIMORTGAGE, INC. SIBiM TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 Plaintiff v. RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Defendants ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DNISION TERM CUMBERLAND COUNTY CIVIL A;CI'ION -.LAW CUIVIi'LAINT IN MORTGAGE FOREC~O~I112E ~~~ ~?~r~~~ ~rti~ thg Wtth,:, t~s frig Y ~f ~~~ F!e ~' rr~ ~ - -r; ~ ~ ~ ~. ~ m -~, r- ~~ ~ ~~ . ~ ~" ~' ~ ~~ ~ btY, ~~ ,~ File tK: 253267 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 MAYBE 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 ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 File!{: 253267 l . Plaintiff is CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 2. The name(s) and last known address(es) of the Defendant(s) are: RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. 3. On 05/30/2003 RODNEY N. MANN and MELISSA R. BRIGGS made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Book No. 1815, Page 475. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4, The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 03/01/2010 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to.make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 253267 6. The following amounts are due on the mortgage as of 07/25/2011:. Principal Balance $111,748.96 Interest $9,732.39 02/01/2010 through 07/25/2011 Late Charges $1,105.50 Property Inspections $304.50 Appraisal/Brokers Price Opinion $168.00 Mortgage Insurance Premium / $107.98 Private Mortgage Insurance Escrow Deficit 3 144.56 Subtotal $126,311.89 Suspense Credit 12 000.00 TOTAL $114,311.89 7. 8 Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants} has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974 and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon. File q: 253267 WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $114,311.89, together with interest, costs, fees, and charges collectible under the mortgage including but not limited to attorney fees and costs, and for the foreclosure and sale of the mortgaged property. PHELAN HALLiNAN & SCHMIEG, LLP By: Chrlsovalante P. Fiiakos, Esq., Id. No.94620 Attorney for Plaintiff Eile #: 253267 LEGAL DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in the Borough of Shiremanstown, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of Green Street, said point being on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein; thence along the southern line of Green Street, North 81 degrees 30 minutes 00 seconds East, ninety-one and thirty-seven one-hundredths (91.37) feet to a point; thence South 08 degrees 30 minutes 00 seconds East, one hundred filly-five and zero one-hundredths (155.00) feet to a point; thence South 81 degrees 30 minutes 00 seconds West, ninety and twenty-five one-hundredths (90.25) feet to a point on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein; thence along said dividing line North 08 degrees 55 minutes 00 seconds West, one hundred fifty-five and thirteen one-hundredths (155.13) feet to a point on the southern line of Green Street, the place of BEGINNING. BEING the same premises which James D. Bogar, Executor of the Last Will and Testament of Amy C. Keyser, late of the Borough of Shiremanstown, Cumberland County, Pennsylvania, by deed dated June 29, 1999 and being recorded in the Cumberland County Recorder of Deeds Office in Deed Book 222, Page 1007, granted and conveyed unto Jason A. Yeakle. The said Jason A. Yeakle is married to Lindsey J. Yeakle who joins in this conveyance. PROPERTY ADDRESS: 410 EAST GREEN STREET, SHIREMANSTOWN, PA 17011- 6721 PARCEL # 37-23-0555-330 File #: 253267 VERIFICATION Dan FRzgerald ~n~ ) ~~ ,hereby states that he/she is of, CITIMORTGAGE, INC., Plaintiff in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. DATE: ~~~~ ~2GII File #: 253267 Name: MANN Name: Den FRzgerald Title: DocWn~t Control Officer CTTIMORTGAGE, INC. File #: 253267 Exhibit "D" ,~~s ~z~"3 z~ y .~~~ ~IL~n~~cF~-~~~~ %;= TIME ?E<.C~ i I-IC~IiO'I~.~' ~~. Rodney N. Mann 112 MAR -6 PP9 3~ SS Melissa R. Mann(Briggs) CUMBERL/aN0 COU;J1 ~! Defendant(s) PENNSYLVANIA v. CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP,INC. Plaintiff COURT OF COMMON PLEAS CIVIL DIVISON NO. 11-9521-CIVIL CUMBERLAND COUNTY Dear Sir or Madam, /~-n 5 we ~ In response to the Civil Action #11-9521-CIVIL, statement #1 is con•ect, that the plaintiff, CITIMORTGAGE,INC. is the current mortgage holder. We confirm that statements #2 & #3 are also correct, that the defendants stated did enter into a mortge~e agreement on the date stated. Statement #4, that references the prc~nises, is described accurately and crarrectly. The statement made in #5 & #6 we can neither confirm or deny we are not aware of the actual date of the last applied mortgage payment and the fees accrued since that payment was made to the mortgage holder. We can not confirm or deny the statements in #7 & #S as to what the entirety of the sought judgment is to entail with the intention of foreclosure and the amount described therein. Rod ey N.. ann elrssa R. Mann (Bnggs) M l 410 East Green St. Shiremanstown, PA 17011 Exhibit "E" O r a U O S W ~ :: m v z < w ~ . 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C O~~ ~ C9 Z ~ LL c O~~ ~ U' ? mx O W x ~ W a~x O W dx ~ W a°~i LL c d~H~ d' ~ c LL 5~ fn ~ ~ 00i W ~ O O O O O 01 01 O O O O O O O ~ O ~ O N O ~ O M O f\ O M O M O N O N O N a _ s _ a s _ a a a s O O O O O O O O O O r O r O r O r O r O r O ~- O r O r O r O O r O r N N N N N N N N N ~V O O M N to ~' O GO 00 OD 00 (p N N N N N N N N N N N N 0`0 O (~ N ~- ~ O O O O O O O ~ ~ ~- r r ~- r r ~- r ~ ~- O rn `~ ~ `81 ~ rn ~i o01, rn rn rn rn `8i. v 1. v n n ad of r~ ao et ~ ao `7 n ao ~ n n M rn r~ M rn r~ M rn ~ M rn ~ M rn ao d' ~ v> vi i» vi ifl » is it- ug v- v- as ifl ~ M cp M f0 M f~ M I~ M ~ M O N N GO N O O ~ ~ ~ N C f0 fD Ov (c _N fV N_ ~ ~ ~ M C0'J M f00 ~ ~ ~ ~ ~ ~ ~ d9 Vi ~ ~ ~ 4MA ~ H ~ d~ O O O O O O O O y ~ ~ ~ ~ ~ ~ ~ O O O O O O O O O O O O O O O O O O O O Q cc~~ O O O O O 69 O EA C fR G IA O EH G fA C to O 69 O IA C (fl O fA O EA O fA ~ O ~ O O ~ ~Y O ~ O O ~ O M ~ M ~ ~ ~ ~ ~ d09 M b09 H O H ~ ~ ~ ~ O O O O O O O O O O O O M O O O O O O O O O 0 O O O fA O (A O fH C fA O EA O fA OD ~ O to O d9 O 69 O ffl ~ O f9 fA M fA O O O O O O O O O O O O M O O O O O O O O O C O O O EH O ifs C fA O to C fA O d9 ~ 00 O f9 O to O EA O fH ~ O b9 ~ ~ 001 ~ ~ 11~ O (MO ~ O ~ ~ O ~ CM ~ Ch C7 C~) ~ ~ f~ ~ ~ ~ C7 f") ~_ I~ S D ~ to to 69 0) _ 69 EH ER O ~ ~ ~ (~ ~ D. (~ ~ d ~ ~ VU ~ Z N C7 ~ ~ y C N ~ ~ ~ ~ ~'' N 7 ~ ~ S l{1 ~ ~ ~ ~ O C ~ f/ ~ ~ ~ F" U ~. Q i 41 U ~ Q ~ y, V C f~ a 1 U ' ~ 7S0 pp~11 T p U ~ ~ Q y y yy p, Q ~ y ~, ~ c p O ~ N ~C9? ~ N ~ ~ ~~~ ~c9? N N u.5 N ou15 W m= h ~v~v)cn N N ~a C~ ~_ ~~ ~C9? N~ 1r_5 ~ ~ l9 ~ 7 a.SLL C N ~= 0 0 0 o rn rn o 0 0 0 0 0 0 0 0 ~V 0 N 0 N 0 N 0 M 0 ~ 0 ~ 0 N 0 N 0 N 0 N 0 N 0 N (~ N r N f~ N f~ f~ ~ ~ ~ ~ O O O O O O O O O O O .- O r O r O r O r O ~- O O ~ O ~- ~- O ~- O r O r O ~ O N N ~ N ~ N ~ N ~ N ~. O N O N N ~ N ~ N ~ N . N ~ ~ N N N f~ N d' N \ O N \ f~ ~ \ . ~O 1 . (O \ O N \ ~ N \ d' ~ \ ~ ~ \ ~ ~- \ \ \ \ c~ ~ rn rn rn rn rn •rn rn rn rn rn rn rn ~ ~i rn rn . p> fn . rn rn . rn rn . rn rn . rn rn . ao ~ ao s} n M n M n M n M n M n M w sY ao d' n M n M n M n M n M n M n n rn rn rn rn rn rn ~ n rn rn rn rn rn rn in in in in in in i» fn in u9 ifl ifl is ir- i» in n N n N ~ CO O fp 0 00 0 OD o O co N fo N 0 O 0 W o O rn n rn n rn n CA t0 fA fD 00 M c0 M 00 M fV O N Os N p1 c'M N M N N Ca N W fV O (O V' ~ ~ fA iA fH N V- N ffl N fA N to N ff! N EA (D fA tD f9 N EA N fA N EA M Vi fR M fR O O O O O O O O O O Q cc~~ O O O O O O O O O O O O O O O O O fA O fH O fA O f!! O ff! O f9 O ff! C ff! O fH O fA O fA O fA 0 fA 0 V- O O g O o O 0 O 0 O 0 O 0 O 0 O 0 O 0 O o O O O O O o O 0 0 0 0 0 0 0 0 0 0 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 «~ 0 o o v O O O o ~ O o o o ~ o o m v o o 0 o ~ 0 O 0 o 0 0 0 fA 0 0 tf! 0 tf! ~ 0 ff! 0 V! M 0 V~ 0 0 fri 0 ffi ~ 0 tH 0 fA 0 fl9 M V3 ~ ~ ~ ~ (f- O O M O O O O O O O O O O O ~ O O M O O O O O O O O O O O O O O a0 C O O O O O O O O O O O O O fA ~ ff) VT fA fA fA ~ t9 ~ V~ 69 Uf G9 EA fA ff) Vi O O M O O O O O O O O O O O p O O M O O O O O O O O O O O O O O f/J Of fq O fA O fR O fR O fA O fA ~ O fig tJl 00 C fA G 47 O fA O tf) O b9 C f9 ER ~ fA ~ O O M ~ ~ ~ ~ O O O M ~ Q O O ~ ~ ~ ~ ~ CM 4') ~ ~ ~ ~ ~ ~ ~ ~ ~ N Rl fH d9 ff> M C? ffl yy V3 ff> ff> ~ ~ ~ u, ~ ~~n- N ~ ~ ~~a c ~ c ." N _ C~ C1 Z~ ~ ~ p y N C ~ c y N ~ ;~/ qZ (~ N Ol ' q to Q ~ 'p m E =p N Q ~ U ~ ~y t ~ Q ~ ~ ~ -o ~ ij =p N O' [ r- ¢ V ~ W ~ a ~j 9 N~ h 7 p lT0 Q C~ ~~ O~ ~ p~ ~ N N 0 H C a C C m O~~ N O C N y ~~ ~ ~ ' ~O? j c l 7 C ~1 . N q d ' Z p _ l tL dQ w V)d ll.. LL d lL ~_ n.Q ~_ lnR ~C~ ~!-~ tA~ l O .-- O ~- O •- O •- O .- O .- O r O O O - O O O -- O O O N N O N O N O r O r N . O r N ~ N . N ~ N r N r O f~ N f~ ~ ~ ~ ~ ~ ~ a N ~ . ~ ~ O O O O O O O O O O O O O O r O O r r r r r r r r r r r r r O r r O O O O O O O O O O O O O N ~ O O N ~ N ~ N N ~ N ~ N ~ N ~ N ~ N N N N ~ N ~ N N ~ N _ _ _ _ ~_ ~ ~ ,. ~_ \ N \ N \ f \ N \ \ r \ r \ r \ M \ M 1 M N N N N I ^ A \ \ \ \ ~ rn rn rn rn ~ °f rn °' rn rn rn rn rn rn rn rn rn `~i ~ ~i °' rn n M n M n M n M n M ~ ~ r~ M rn n M rn n M rn n M rn n M rn rn M rn co 'Q ~ 0 `7 n o 'p ~ n M rn rn •-- rn ••- rn rn rn r r r r r r ~- r r r .~-~ .~- 69 69 r ~ r d9 69 d! ~ Efl 69 r H . ~ r ~ fA M E9 ~ T n p~ n 01 n 01 n O> n to N O n O n 01 n a0 n a0 n OD n ~ N V' N ~ o O> v> 600 ~ 600 0 f00 0 O N ~ a u ~ f00 0 N ~ N ~ N 0 ~ N ~ N N ~ (O fA ~ Ef! 6 9 di ~ tA fA 6 9 E 9 69 ~ ~ 69 O O O O O O O O O O O O O O O O O O O O O O O O O O O 69 O V- O Vi O (A O EA O EA O 69 O fN O 6A O V- O 69 O M O 69 O O O O O O O O O O O O O O O O O O O O Q cc~~ O O O O O O O O O O O V- O V? G fR C EA O 69 O 69 C ffl O 69 O 69 C fA O 69 O (A O to O H O 69 O 69 o °o °o o ~ ~ °o °o ~ °o °o v o° ~ v 0 °o 0 N 0 fA 0 fA 0 to M 0 M 0 fA 0 fA ~ 0 V- 0 (A ~ 0 V! ~ M EH ~ 6M9 ~ ~ H ~ M O O O O M O O O O O O M O O O O ~ ~ ~ ~ ~ ~ ~ 609 ~ ~ ~ ~ d09 ~ d0~ ~ 609 ~ ~ ~ ~ O O O O O O Q v ~ M O O O O O O O O O O O ~ O O O O M O O O O fH O 69 O 69 C 69 ~ O) 00 O 6H O fR O fA C dl C fA ~ O fH O 6A CA 00 O M ~ ~ ~ ~ O t~ 6MD O ~ O O M Q0i OMO O ~ O ~ O O N M ~ ~ ~ ~ (np ~ 609 f~ C7 t~ ~ 0 69 (n(pp O ~ ~ d09 ~ ~ H O fA ~ ~ ~ ~ ~ ~ C _ ~ c ~ N C ~ v ~ ~ ~~ d Q Z~ _ ~ c c y N ~' C ~ v N d Z v N ~ Z o ~ a ~ ~ n ~ v > ~' ~ `~ ¢ a i v v ~ ~ y v a i g i 6g E a ~ ~ O O ~~ ~ Q U a 'v > > ~ ~ c ~ a i v > ~ ~ c cg ~ y ~ O O ~~ y v i. n a_ i E Q zw ~ d H u.5 c m d H~ ~~SLL a i m u. c , m y~ a5~ ~ m a °d c~ ~- 5 m ink O~~ ~C7? d d w~ ~~SLL m LL . m m~ a5u. c y ~= 2 F- O cncnm m a a¢ c d ~= 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 N 0 N 0 N 0 N 0 N 0 N 0 LV 0 N 0 N 0 ~ 0 N 0 N 0 N 0 ` 0 N 0 N ~ ~ ~ ~ ~ a a ~ ~ ~ ~ ~ N N C1V O r O r O r O r O r O r O r O r O r O O O O O O r O r O N O N O N O N O N O N O N O N O N r O r O r O r O r O O N O N ~ O ~ 07 ~ d' ~ ~ ~ ~ ~ O ~ O ~ O ~ M N ~ N ~ N ~ N ~ N ~ ~ O ~ O (V r r r \ r \ M \ C7 \ M \ N \ 00 \ 00 \ DO 1 CO \ C (h \ M \ to to \ Lf) Ln Ln d' '~ ~ ~' '7 d' d' ~ ~ M M rn 0 rn ~ rn O1 rn W o o rn N rn N n N n ~ r YY n ~ r O r O ~ ~ n O ao c'~ M fr7 fr7 M N N M M 001 OOf S 00f S 00f ~ ~ T N 0 0 0 O1 _ _ c0 M ~ tT ~' R ti' 'p t0 c0 V' f7 N N N N N N N N N N N N N N ~ 69 d> fA fA d! ~ ~ d9 ~ ~ ~ b9 ~ 69 V~ ~ V~ 0 ~ 0 ~ O it1 O to N_ N_ f0 (O fD <O O N O N O N O N O N O N V' n sf n O N (0 (O .- ~ ~'1 (0 ~!') fD ~ M to !'7 ~ ~ ~ h ~ i~ a h ~ I~ ~ n ~ n M th ~ r f0 t0 f0 (D M M O O ~ ~ ~ ~ ~p 69 609 H fA ~ ~ df d9 ~ ~ ~ ~ EN 69 69 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O b9 O fH O 67 C ff! C to C V~ C b9 O to O iR O 69 O ff! O Vi O V! O 6`l O V1 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 6) O 69 O fA O to O H O FA O to O 69 O fA O fA C fA O Vi O 69 C to O f.9 O fA O EA O 6> O O ~ O O <D d' O O t0 ~' O O f0 ~' O O O O O O O O O O ~ 00 ~ ~ ~ O b9 0 ~ O (A C O fA O O d> O M O to O fH O H C V1 O Vi C O fA M ~ M ~„1 0 ~ M fiH M fA ` 61 ~ V- ~ ~ 0 ~ O O O OOi S CnD O ~ S S O O O c00 S Qi ~ W O O O OD O 01 ' O O O C O C C . O ~ ~ 0 ~ H fA fA d fH st fA ~ fA V~ fA fA 69 ~ fff V~ V~ V- 69 ~ ~ ~ O O O O O O .- ~ O O O1 ~ O O Op N O O O O O O O O O O 1~ M O O n ~ ~ O 69 O v- O ER CO o0 O 64 I~ O O V! f0 ap 0 Vi 0 t9 O vi O v- O 69 ~ aD O v~ M ~ ~ ~ M ~ 41 df ~ 69 ~ bq 69 C~1 ~ S O O O O O O O 0 M S ~ O ~ ~ aO M ~ t7 C 0 C f9 C fA C 1A O V! 0 Ef! 0 N 0 N OD ~ tt O 1~ t0 O f9 r n M ~ fH 49 ~ fA N ~ ~ G p O f 0 O O ~ 6f ~ 69 ~ E9 O d N ~ N N N ~ Zt O ~ C 0 C N ~ C N ~ C d ~ ~ N C N ~ C > U O C j V O C j V O N p, ~ ( ~ J U t L ~ ~p N 'Cj ~ C pN d ~ ~ pN 'O ~ N ~ l0 N Q a ~ N N ~ ~ l6 ~ ~ N ~ lyV ~S ~ . ~ f0 ~1 ~ C ~ = ~ O ~ ~ a U E G U E La E ~ ~ C ~ C ~ C1 ~ N ~ E T T fA /1 ~ T t fALL' ~C9? lL C q dQ ~ ~ q . dQ ~ 4' ]. aQ ~w LL LL fAG' tn~ ~ a ~ 4' q da'(~ ~.~'U d~U O O O O O 01 O 0 O 01 O 0 O O1 O 0 O 0 O 0 O 0 O 0 O 0 0 O 01 O N N N N N O N O N O ~V O N O ~V O N O N O N O N O N O N O N O N ~ ~ ~ ~ ~ N N ~ ~ O O O O O O O ~ O O O O O O O O O O O O O O O O O O O O r r r r r r ~ ~ r r r r r r r ~ N N O O O O O O O O O O O O O O O O N N N N N N N ~11 N N N N N N N N M \ N \ O \ O \ O \ O \ Q1 \ O \ 0 \ 0 \ O \ O \ N \ N N N N N ('~ C7 C7 M M M C'7 M f'7 M M ('~ M \ C7 \ C7 1 ('~ \ M \ M O 0 N o N pp '? ao a ao sF ao ~ ao a ao ~ ~n O ~ O ~ O ~ O o O u~ O ~n O f~ 'a ~ ~ O O O O O O C O O O ~ a0 O 00 ~ a0 M pp N OD f0 ~ OD f0 O 7D (O M M ~[) to to to O (~ f0 f0 f0 N N r N ~ N .- N .- N r fV .-- N .- N ~ N .- fV ~ N ~ N .~- N .- CV N ~ y y y ~ ~ ~ 69 ~ 69 ~ d9 fA 69 69 E9 ~ O 00 O aO M O N O N O N 01 Oa 00 O QO O O O O O OD O O 0 n 0) n ~ O '~f 1~ ~t n V h tt I~ ~ P 00 N OD N N GO a 0 00 C O OD 00 O M O M ~ 609 ~ ~ ~ ~pp ~ V! fl9 En9 fW ap V! ~ ~} N! ~ ~ V~ ~ 6~ 0 o S o o S S o s o 0 0 0 69 0 ~ 0 ~ 0 69 0 69 0 ~, 0 69 0 69 0 ~ 0 69 0 0 0 0 0 0 ~ 0 o 0 0 o 0 O 0 ~ o o 0 0 0 o 0 O 0 o 0 0 0 0 0 0 0 0 6~ 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 ~ 0 69 0 ~ 0 ~ 0 69 0 !O ~ O O ao M O O Q v ~ O O ~~ ao M O O O O O C M G ~ O O w M 0 M 0 69 0 O 0 /A 0 V) M 0 fH M 0 O 0 f/! 0 fA o 69 M N M o fA 0 O ~ ~ ~ ~ ~ ~ N ~ ~ V- h 00 O O 00 !~ O O O O O O O O O O 0 (O O O O O O O ~ N O O O O 01 ~ ~ O Vi ~ C 61 C b9 O 69 O V~ O 69 ~ O V! O EA O V- f~ ~ O 69 O 69 N N ~ ~ ~ E~9 V! 01 O O 00 N O O O O O O O O O O A M O O O O O O O O O O O O I~ ~ ~ ap o (» co ao o fA co fA 0 fA 0 69 0 to iri GO o 6A 0 vs 0 vi 0 to 0 69 0 69 v9 is v~ v- o °o °o °o r~i ~ ,~ ~ °o °o °o ,~ °o ~ °o^ °o ovi 609 ~ 609 ~ ,~ ~"~ ,M °~ °6A ~ c+i ~ ,M `n °vi yr in 67 iA 69 u9 u9 ir- ~ ~ dv ~ a~ y ~ ~ ~ a ¢Z~ ~ ~U o_ ~ (Q ~~Z~ ~U ~ ~ ~ ~ _ a o_ ~ Fes- ¢ ~ ~ ~~ o d m ~a ~ ~~a ~ y ~~ 1 - O~ ~ F- OW ~ ~ ~. c~ ~ R `0 I - U OW y ° a~' ~ ~_ ad ~ s-' ins ~ ~C7? y ~5 N ~(7? a a¢ m ~w 'v~oC ~i u.5 a i ~o N ~t9? i ~u -LS ma a¢ 0 0 0 0 0 0 0 0 0 o rn rn rn rn w rn O ` O N O N O N O N O N O ~V O ~V O ` O N O O O O O O O O O O O O \ ~ ~ N N N a a ~ ~ a a o o a o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O O O O O O o ~ ~- O .- O .- O .- O .- O 0 N 0 N 0 N 0 N N ~ N ~ N ~ N ~. N ~ N . O N N ~ N . N . 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E9 69 ~ H d9 69 69 69 b~ ~ ~ M M M M N N O O O O) CO ap O O O O O O O n n n (O M M ~Q ~ th C~) cM c'M f~ 1~ CO W CD fV O O CO oD n n n n N N ao (O to (O N O O M ~ ~ ~ (O (O LO M C7 M ~ ~ ~ ~ fJ4 69 69 ~ 69 ~ r f9 ~ d9 V- d9 dA VJ O O O O O O O O O O O O O O O O O O O O O O O O O C O O C C O O O O O O V! 69 69 69 fA 69 69 69 69 V) EA 69 o S o 0 o g o 0 0 0 0 0 S o 0 o M o 0 0 0 0 0 0 0 0 0 0 0 6A ~ n ~ ~ u9 Fa ~ ~ ~» rn F» En ~ ~ ~, O M O O O ~ O ~ M O O ~ M O Q ~ N 609 ~ 0V3 M ~ M N ~ ~ M N ~ . ~ ~ ~ ~ ~ ~ 69 O 1D O O Q O O O M O O O tt O O o n o o cc~~ 0 0 0 ~ 0 0 o co 0 0 o v o 0 0 0 0 0 Sri o 0 o co 0 0 u~ u9 u9 vi v- fn u~ ~ ~ vi 69 ~ ~ tH ~ fa ~ ~ O O O O O O O O O O O N O O O M O O O O O O ~ O O O n 0 O O fV O 0 0 O O O O O O 0 0 O 69 f0 fA 69 69 69 69 to f0 69 ff! 69 t0 69 fA ~ ~ ~ o O n M o n 0 O 0 O ~ o O ~ n M o O o O ~ n M o O Q ~ 0 ~ 0 M M ~ M 0 M M O) M d ' O M 69 69 ~ ~ ~ p O 69 M ~ ~ 69 ~ ~ 69 ~ 69 ~ N Z ~ ~ ~ Z Z ~/ ~ D ~ ~ ~ Q C ~ ~ 01 ~ ~ C Z c O ~ ~. ~~ $ OWN ~ O~~ °~ ~ ~ ° ~ ~ a ~ ~ ~ ~ An a i d O ~ ~ ' ° ' ~ Q NO ~= a¢ cn~ _ ~c9? ~= gC9i aQ tL ~_ ~C7? a Q ZW?U n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 ~ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ~V N N N ~V N N ~V ~- N r ~V ~- N N ~- N N N n n h n n <O fD fD (O (D ~ ~ ~ N '7 N ~ ~ ~ ti ~ ~ ti ti ti ti ~ ti ~ ~ O O O O O O O O O O O O 0 0 O O O O O O O O O O O O O O O O N N N N ~V N N N N N N N N N N cD tp ~D (O t0 O <D N O O O d' CO (O O ~ N N N N ~ ~- ~ N N ~- ~- ~- ~- •-- 00 ice- i~ 1~ f~ f~ f~ f~ CO (O (~ (fl ~ to to a0 to ap O N O N t!Y N ~ N M N O N ~ CD f0 aD ~O GD tG CD ID d0 tD O f0 ~ (O O N O N O 00 O f70 C CO O 00 O 00 O CO W M 01 M O M W M T M O) M O M O O O W n n ao ao ao ao ao ao 0 0 0 0 0 0 0 .- ~ is ~ ~ ~: ~: ~ ao ao ao ao ao ao ao m ao is ir- v- iA ~ i» isi is in i» v~ in ifl ifl ir- i» i» ao M n M cg `g c8 ~ c$ ~ o a ~ v n v n v ~ rn r~ rn n w n n a n a ui ri ai ri ~ ri ~ ri ~ n v a~ ~ a~ a~ n aoo ~ aoo rn ai n ~ ~ _ _ in v- if- in in in u~ in ifl %n is is is ~ es in is 0 0 0 0 0 0 0 0 $ g O 0 o 0 O 0 o 0 O 0 o 0 0 0 0 0 0 0 0 v~ 0 fa 0 En 0 vi 0 v> 0 u~ 0 v- 0 u9 ~ 0 u9 0 to 0 ~» 0 Fn 0 ~ 0 v- 0 O 0 o .c, ao o 0 $ o 0 0 o 8 ~ ao o 0 0 o 0 O 0 O 0 o 0 0 ~ 00 o 0 0 0 ~ o ~ 0 ~ 0 ~ 0 ~ 0 ~ ~ o ~ 0 ~ 0 0 0 0 ~ o ~ ~ i7 O O O S ~ M O O O 0 O ~ M O O M N H ~ ~ d09 M N ~ ~ ~ M H M N ~ ~ y ~ ~ ~ f0 fR 69 ~ O ~- O p O O O O ~ O O S O O O f~ O O O fA h O (A O (A C EA C d9 O fR f~ ~ O fA C iR O fA C fR C EA O fA 00 ~ O fA O fA ~ fy H ~ O ~ O O O S ~ O O O O O p O M O O C 69 O) ~ O fR 0 fA 0 69 O 69 O to O> In C (A 0 EH 0 fA O (A O ffl O d9 OO O O ffl O fA y ~ M ~ n M iA OD Q v Q v O O ~ n M O 00 O O O O ~ O O ~ n M ~ aO O O M ~ f~ ~ M ~ M Of ~ fO ~ M M ~ M O ~ M fR ~ ~ O ff> fA ~ (fl !H ~ ~ ~ ~ ~ N cW7~a v v ~n: v z v cW7~a: v ' ZO ¢ ~ ~ ~ aa ZO ~ ~ ~° ~ ~ ~ZO ~ ~ U ~ ~ y C~ a i a ¢ OWN W~ rn 5~ ~ E m $ E ~ ¢ vi O~ % ~a a rn $ im ~ ~ c ~ ~ O a =F-O ~ ~ c a ¢ ~j O~ i, ~a ~a4 rn c~ $~ ~C7? } a ina cm ~w m a cm ~~ ~c7? m a¢ tna m ~- LL <ncnm m ~s ~c9? as inoC ~_ n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n 0 n o n g n o n 0 n 0 n 0 n 0 n 0 0 ~V 0 N 0 ~V 0 ~V 0 $~V 0 ~V 0 N 0 N 0 N 0 N N 0 N 0 ~V 0 N 0 N 0 N 0 N V ~ ~ ~ ~ C7 Chi l~' M M r M a a N a N N ti ti ~ N ~ ~ ~ ~ ~ ~ ~ ~ O O O O O O O I~ ~ ~ ~ O O ~ O O O O O O O O O O O O O O O O O O O O N N N N N N N O O O O N N O N N N ~ ~ ~ ~ ~ M ~ M ~ O ~` ~ ~ ~ N N N N ~ N N ~ N ~ ~ N ~ ~ N ~ N ~ N c c O (~ 1 c \ \ \ \ \ \ ~ \ \ t1') \ R \ ~' \ d' \ V' \ ~ \ ~ \ ~f' 'a' ~ ~ M f7 ('7 N N N ~ 8 ~ 8 ~ ~ o ~~o, ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ fV fV N ~ N pp ~ ~ pp ~ pp ~p pp ~ p O l'7 l'7 f7 ~ 1A t!') O ~ ~O t0 f0 f0 fG t D OD OO OD QO CD OD Op OD 00 W 00 CO OO OD OD 00 00 CO 00 ~ ~ ~ to ~ 69 fA /A fA fA iq ~ bA ~ fA ~ ~ fA ~ n ~ n ~' n ~ <p ~ ~n ~ v ~ ~ M O M ~ N O N O N W ~ O ~ ~ ~ ~ ~ ai ~ of ~ Mo ~ ~ ui ~ ~ rNi cNn ~ ~ ~ n ~ n n n ~ ,n co co ~ ~ 0 0 0 0 o n n n n n n v~ vi rn fn Fn v- vi vs is is v3 is iA v- w is in is in o °o °o °o °o °o ~ °o °o °o °o 0 ~» 0 ey 0 v~ 0 ~ 0 v- 0 ~n 0 Fn 0 rn 0 ~a 0 ~ 0 F» 0 0 0 0 0 0 0 0 0 0 0 0 o u~ o' 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o ao 0 0 0 0 0 0 v~ 0 ~a 0 u9 0 ~ 0 f» 0 v- 0 v- 0 ~ 0 v~ 0 Fn 0 v~ 0 v~ o e» cd ~ 0 v> 0 v- 0 v- 0 ~ 0 ~ 0 O 0 O ~ ~ C7 0 O 0 O M 0 O X 0 0 0 0 M 0 O 0 O 0 O 0 O 0 O 0 O O ER O f9 ~ ~ N C fA C ER N O 69 ~ 0 V! 0 f9 tV O E9 C fA 0 d! 0 ffl O ff) O fA ~ 69 ~ V- ~ V- fA ~ VT O O O O O O O O O ~ O O f"1 f0 N N O O O O O O O O ap 01 O O O O O O O O O O O O O to O EA O ff> C fA ~ ~ O (A 01 ~ C ~ O d9 O to C (A C fH O ~ C fA O iff 0 fH 0 EA O EA O tf) E9 r H 6A V- p O O O O O ~ S O p O O O O O O O O O f0 O O O O O f~ C C ~ O O C C (O G O O O O O ffl fR fA to In d9 to (A fA to fA O fR fR 69 fH fA fA ~ V3 fA 0 O o O ~ ~ n c") o O o O n M o O X 0 0 o 0 n c~ ~ O D 0 O 0 O 0 O 0 O 0 M ~ CM C7 e~e~~ M O~ O> CM C~j M N O ~ ( p M ~ M M ~ t~) E9 ~ ~ O fA ~ ER ~ d9 E9 69 ~ fA ~ d9 fA V! ~ ~~a ~~a ~a ~ ~ v 2i aU' Z O a c7 ~ O = v o = ,v_ Q ~ Z O •°- •°- ~ ~ .v_ ~ ~o `~ O~~ O~~ 16 ° ~ m ~ ~ $ ' y cy mn ~i im a m ' ~i O ~ ~ ~ ma i a ~ ~i d i a~ia ~ ~_ ~C7? ~C9? aQ ~ }o a¢ ~ ~c9? 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H EA (U S ON1 ON1 M M M r N ~ (~O f~0 N W ~ M ~ ~ ~ ~ ~ y H ~ d9 fH to ~ p O O O O O O y ~ ~ ~ ~ ~ ~ O O S O O O S O ~ ~ ~ 6~9 ~ ~ ~ b~9 M S ~ ~ T O S O O M ~ 01 ~ ~ ~ ~ r ~ ~ ~ ~ O O O N O O M O ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ o a S ~ o S ~ o o ~ o M S O ~ S O t~D, O ~ O a~0 ~ lv1 ~ O W O N ~ d 9 ~ ~ ~ ~ O Z Z N Q a0~~ Q ~ ~ O ~U a ~ ~ Q Z~ O~O U n d a~i ~ v a ~~ ~ a~•- ~ ~ a. a ~ •- ~ ~_ ~. a ~cmr~aiv~i gam? ii~~ a~' ~~? iii aQ ~ ° ° ° ° ° ° ° ° o N o N o N o N o N o N o £I o N n n n ~ co m io co N N N N N N N N ~ ~ 00 oD ~A to ~ l1) 1 ti ~ ~ ~ t~0 ~ (\O Exhibit "F" REPRESENTATION OF PRINTED DOCUMENT CitiMortgage 07/08/10 -, RODNEY N MANN MELISSA R BRIGGS 410 E GREEN ST SHIREMANSTOWN PA 17011-6721 RE: CitiMortgage Loan #:~~ ~~ ~~ ~' ~' www.citimortgage.com ACT 91 NOTICE LL W O N O n TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717)780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE 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. ~. ©2010 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service <,~ a marks of Citigroup Inc. `Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT ~_ ~~ ~' ~' CItlMortgage www.citimortgage.com Page Two O7 rn 0 N v 0 m HOMEOWNER'S NAME(S): Rodney N Mann Melissa R Briggs PROPERTY ADDRESS: 410 E Green St Shirem~own,PA 17011 LOAN ACCT. NO.: ORIGINAL LENDER: Abn Amro Mortgage Group CURRENT LENDER/SERVICER: CitiMortgage, Inc. is providing this notice as lender or servicing agent for the lender. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. ~. ©2010 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service ,E ~ - marks of Citigroup Inc. "Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT _~ CitiMortgage Page Three 07 CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies o have applications for the program and they will assist you in N submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA 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 proceeding will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) Cltl www.citimortgage.com Q ©2010 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service ~~~ R marks of Citigroup Inc.'Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CitiMortgage Page Four o7/a 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: 410 E Green St „ Shiremanstown, PA 17011 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 03/01/10 thru 07/01/10 5 ~ $1,067.52/month 4 (~ $36.85/late charge/month $5,485.00 Previous late charge(s) $847.55- Delinquency Expenses(s) $142.50 TOTAL AMOUNT PAST DUE: $6,475.05 HOW TO CURE THE DEFAULT-You may cure the default within THIRTY (30) o DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6,475.05, PLUS ANY MORTGAGE PAYMENTS, LATE CHARGES AND DELINQUENCY EXPENSES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check or money order made payable and sent to: CitiMortgage, Inc. P.O. Box 689196 Des Moines, IA 50368-9196 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 Cltl www.citimortgage.com .LJ ©2010 CitiMortgage, Inc. CitiMortgage, Inc does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service ~~= a marks of Citigroup Inc. "Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT ~- CItlMortgage Page Five 07/08.1 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 Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs ~ connected with the Sheriff's Sale as specified in writing by the N Curing your default in the manner set forth in this notice will ~ restore your mortgage to the same position as if you had never M defaulted_ EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: Phone Number: Fax Number: Contact Person: Email Address: CitiMortgage, Inc. 1000 Technology Drive O'Fallon, MO 63368-2240 1-800-723-7906 1-636-261-7716 Adam Saab ryan.ollier@citi.com Cltl www.citimortgage.com .Q ©2010 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service ,E,- marks of Citigroup Inc. *Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CitiMortgage Page Six OT 1 ` EFFECT OF SHERIFF'S SALE-You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-Please refer to your original loan documents to determine whether or not you may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. You may also call the 1-800 Number above to find out whether your loan is assumable. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR o N TO BORROW MONE Y FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. 0 M * 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. Enclosure: Consumer Credit Counseling Agencies, including those for your county. 100708D0008399 Cltl www.citimortgage.com ~. ©2010 CitiMortgage, Inc. CitiMortgage, Inc. does business as Citicorp Mortgage in NM. CitiMortgage, Inc. is an equal housing lender. Citi, Arc Design, and Citi and Arc Design are registered service .E, A marks of Citigroup Inc. `Calls are randomly monitored and recorded for quality assurance. CitiMortgage is a debt collector and any information obtained will be used for that purpose. INTERNET REPRINT USPS.com®-Track & Confirm English Customer Service USPS Mobile Page 1 of 1 Register i Sign In ~r '_~r ~ar,a III, Search USPS.corr; or Track P•rckayes Quick TVoolsi niri. l ~'f Ship a Package Send Mail Manage Your Mail Shop Business Solutions -Track & Confirm You entered: 71078381654015662198 Status: Delivered Your item was delivered at 1:45 pm on Octo6sr 28, 2010 in ELMIRA, NY 14903. Additional information for this item is stored in files offline. You may request that the additional Information be retrieved from the archives, and that we send you an a-mail when this retrieval is complete. Requests to retrieve additional information are generally processed momentarily. I would like to receive notifiralbn on this request Find Another Item What's your label (or receipt) number? 1 - -~ LEGAL ON USPS.COM Privacy Pcl!cy . Government Services Terms of Use . Buy Stamps & Shop = FOIA • Print a Label with Postage No FEAR Act EEO Data ~ Customer Service Site Index = OTHER USPS SITES Business Customer Gateway = Postal Irspectors = Insparior General = Pestal Explorer ON ABOUT.USPS.COM Abou! USPS Home • Newsroom = Mail Service Updates = Forms & Publications = Careers = Copyrigh;3201? USPS. ill Rights Reservod https://tools.usps.com/go/TrackConfirmAction.action 10/22/2012 Exhibit "G" PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Phone 215-563-7000 Fax (215) 215-568-7616 Email; FCResolution@fedphe.com Foreclosure Resolution Department Representing Lenders in Pennsylvania & New Jersey November 2, 2010 Re. CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. v. RODNEY N. MANN and MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 ~~ To Whom It May Concern: In accordance with your recent request, please find a reinstatement figure in the amount of $12,335.59, which is the amount needed to bring the account current with CITIMORTGAGE, INC. Funds must be received in our office by November 18, 2010 in order to process and forward to our client. Upon submitting payment, please note the following: • Personal checks will not be accepted. Certified funds purchased from a bank and money orders. Title company and attorney escrow accounts checks, are also acceptable. • All checks must be made payable to the mortgage company stated above, and forwarded to Phelan Hallinan &Schmieg, LLP. • Include account number on the check for proper identification. It is possible that additional expenditures may be incurred by either the mortgage company or this firm in the interim period between the time these figures are generated and the time monies are tendered. In this event, only the FULL monies will be accepted. Acceptance of the funds is contingent upon a complete review by our client. If you should have any questions, please feel free to contact our office. Sincerely, Phelan Hallinan &Schmieg, LLP Foreclosure Resolution Department Please be advised that thin rirm is a debt collector attempting to collect a debt. Any information reccival will be used for that purpose. If you have received a discharge is bankruptcy, and this debt was not reaffirmal, this correspondence is not and should nol be construed to been attempt to collect a debt, but only enforcement of a lien against property. As of the date of this communication, you owe the amount specified. Because of interest, late charges, and other charges that may vary from day today, the amount due on the day you pay may he greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you before depositing the check for collection. For further information, write the undersigned or call (215) 563-7000 and ask for the Reinstatement Department. PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Phone Z 15-563-7000 Fax(215)215-568-7616 Email: FCResolution@fedphe.com Representing Lenders in Pennsylvania & New Jersey Reinstatement Figure NAME: RODNEY N. MANN and ACCT ~r MELISSA R. BRIGGS . DATE: November 2, 2010 November 18, 2010 Total Payments Due Late Charges Property Inspections BPO Property Preservation Escrow Advance Suspense Sheriff Commission Prothonotary of CUMBERLAND County Costs Sheriff of CUMBERLAND County Costs Additional Foreclosure Costs Attorney Fees Corporate Advance Insufficient Funds TOTAL $9,607.68 $1,179.20 $210.00 $234.00 $0.00 $0.00 $325.29 $O.Od $100.00 $250.00 $430.00 $650.00 $0.00 $Q:00 $12,335.59 Please be advised that this Ilrne is a debt collector attempting to collect a debt. Any information received will be used for that purpose. If you have received a discharge in bankruptcy, and this,debt was not reaffirmed, this correspondence is not and should not be construed to be as attempt to collect a debt, but only enforcement of s Lien against property. As of the date of this communictitltrp;,you gwe the aaaaant specified. Because et interest, late charges, and ofher charges that may vary from day to day, the amount dne oo the day you pay may Le greater. Hcnrc, if you pay the amount shown above, an adjustment may be necessary aRer we receive your check, in which event we will inform you be[ore dcposAint; the check for collection. For further information, write the undersigned or cal! (215) 563-7000 and oak for the Reinatalement Department. PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Phone 215-563-7000 Fax(215)215-568-7616 Email: FCResolution(a3fedphe.com Foreclosure Resolution Department July 1, 2011 Representing Lenders in Pennsylvania & New Jersey Re: CITIMORTGAGE, INC. SB/M TO ABN AMRO MORTGAGE GROUP, INC. 410 EAST GREEN STREET S~~ PA 17011-6721 To Whom It May Concern: Phelan Hallman & Schmieg, LLP is a debt collector attempting to collect a debt. Any information received will be used for that purpose. If you have received a discharge in bankruptcy, and this debt was not reaffirmed, this correspondence is not and should not be construed to be an attempt to collect a debt, but only enforcement of a lien against property. In accordance with your recent request, please find a reinstatement figure in the amount of $7,562.96, which is the amount needed to bring the account current with CITIMORTGAGE, 1NC.. Funds must be received in our office by July 28, 2011 in order to process and forward to our client. Upon submitting payment, please note the following: • Personal checks will not be accepted. Certified funds purchased from a bank and money orders. Title company and attorney escrow accounts checks, are also acceptable. • All checks must be made payable to the mortgage company stated above, and forwarded to Phelan Hallman ~ Schmieg, LLP. • Include account number on the check for proper identification. • It is possible that additional expenditures may be incurred by either the mortgage company or this firm in the interim period between the time these figures are generated and the time monies are tendered. In this event, only the FULL monies will be accepted. Acceptance of the funds is contingent upon a complete review by our client. Unless you dispute the validity of the debt or any portion thereof within thirty (30) days after receipt of this notice, the debt will be assumed to be valid by our firm. If you notify our office in writing within #hirty (30) days after receipt of this notice that the debt or any portion thereof is disputed, we will obtain and provide you with verification of the debt by mail. Upon your written request within thirty (30) days after receipt of this notice, we will provide you with the name and address of the original creditor, if different from the current creditor. The law does not require us to wait until the end of the thirty (30) day period following first contact with you before commencing a foreclosure action. Accordingly, a complaint in foreclosure may be filed and will be served on you. Even though the law requires a response within twenty days of service of the complaint, a judgment will not be entered against you for a period of thirty days after service of the complaint to assure your opportunity to dispute the validity of the debt. As of the date of this communication, you owe the amount specified. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you before depositing the check for collection. For further information, write the undersigned or call 215-563-7000 and ask for the Reinstatement Department. If you should have any questions, please feel free to contact our office. Sincerely, _M Phelan Hallinan & Schmieg, LLP Foreclosure Resolution Department As of the date of this communication, you owe the amount specified. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amooot shown above, an adjustment may be necessary after we receive your check,ln which event we will Inform you before depositing the check for eoilectioo. For further information, write the nnderoigaed or ca11215-563-7000 and ask for the Reinstatement Department. PHELAN HALLINAN & SCHMIEG, LLP ] 617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Phone 215-563-7(J00 Fax (215) 215-568-7616 Email: FCResolution(a~fedphe.com Representing Lenders in Pennsylvania & New Jersey Reinstatement Figure NAME: RODNEY N. MANN and ACCT. ~~ MELISSA R. BRIGGS DATE: . July 1, 2011 'Good Through: July 28, 2011 Total Payments Due: 9 Months at: $1,067.52 8 Months at: $1,053.91 Late Charges Property Inspections BPO Property Preservation Escrow Shortage Suspense Credit Sheriff Commission Prothonotary of CUMBERLAND County Costs Sheriff of CUMBERLAND County Costs Additional Foreclosure Costs Attorney Fees Corporate Advance Insufficient Funds TOTAL $9,607~i $8,431.28 $1,474.00 $a.oo $0.00 $0.00 $0.00 ($12,000.00) $0.00 $0.00 $0.00 $0.00 $50.00 $0.00 $0.00 $7,562.96 As of the date of this communicatlon, you owe the amount speciried. Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, sn adjustment may be necessary after we receive your cheek, in whieh event we wIII inform you before depositing the check for collection. Fur further information, write the undersigned or call 215-563-7000 and ask for the Rciaatatement Department. PHELAN HALLINAN & SCHMIEG, LLP BY: JOSEPH P. SCHALK, ESQUIRE Identification No. 9165b 126 Locust Street Harrisburg, PA 17101 (215)563-7000 CITIMORTGAGE, INC. SB/M TO ABN AMRO MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368 Plaintiff vs. RODNEY N. MANN MELISSA R BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Defendants Attorney for Plaintiff Court of Common Pleas Civil Division Cumberland County No 11-9521-CIVIL CERTIFICATION OF SERVICE I hereby certify that true and correct copies of Plaintiffs Motion for Summary Judgment and attached Exhibits were sent via first class mail to the persons on the date listed below: RODNEY N. MANN, PRO SE MELISSA R. BRIGGS, PRO SE 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Date: By: Jos h alk, q A orne for Plaintiff c~ 1~ PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) p-..7 TO THE PROTHONOTARY OF CUMBERLAND COUNTY: N`W~ ,~,.~ 4 ~~ Please list the within matter for the next Argument Court. ~~ ~ CAPTION OF CASE Citimortgage, Inc. Plaintiff vs. Rodney N. Mann and Melissa R. Briggs Defendants .~-. ~- ~ _' ~~...y+ ~ --..---~----------~---~---------~~---~rTir~}--..-- %~ tW..~~ ...ry ~3 .~, C.. :~. No.l 1-9521-Civil 1. State matter to be argued (i.e., plaintiff s motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Joseph P. Schalk, Esquire Address: 126 Locust Street, Harrisburg, PA 17101 (b) for defendant: Rodney Mann and Melissa Briggs, pro se Address: 410 East Green Street, Shiremanstown, PA 17011 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: December 21, 2012 Date: November 9, 2012 os h Schalk, Esquire Atto ey for Plaintiff 1 .. ,--~, ,. ~~^ R! .J ..n rY ... ~~' t: '. ~~ Ck.~ ~ au saw r~ ~, ag 3oao PRAECIPE FOR LISTING CASE FOR ARGUMENT ' . cif)THO ATAK (Must be typewritten and submitted in duplicate) 2013 APR -3 Pik 2: 35 TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. " ' --------------------------------------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) CitiMortgage, Inc. (Plaintiff) vs. Rodney N. Mann and Melissa R. Briggs (Defendant) No. 2011-9521-Civil I. State matter to be argued(i.e.,plaintiff's motion for new trial,defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff. Joseph P. Schalk, Esquire Address: 126 Locust Street Harrisburg, PA 17101 (b) for defendant: Rodney Mann and Melissa Briggs, Pro Se Address: 410 East Green Street Shiremanstown, PA 17011 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: May 10, 2013 a- Date: chalk,rr Esquire Plaintiff PHS#253267 �`�j �Qa(�C)�/��p� PHELAN HALLINAN& SCHMIEG,LLP BY: JOSEPH P. SCHALK,ESQUIRE Identification No. 91656 Attorney for Plaintiff 126 Locust Street Harrisburg, PA 17101 (215)563-7000 CITIMORTGAGE,INC. SB/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP, INC. 1000 TECHNOLOGY DRIVE Civil Division O'FALLON,MO 63368 Plaintiff Cumberland County VS. Noll-9521-CIVIL RODNEY N. MANN MELISSA R BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Defendants CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of Praecipe for Listing Case for Argument sent via first class mail to the persons on the date listed below: RODNEY N. MANN, PRO SE MELISSA R. BRIGGS, PRO SE 410 EAST GREEN STREET SHIREMANSTOWN, PA 17011-6721 Date: s By: J Schalk,Esquire PHS#253267 PRAECIPE FOR RE-LISTING CASE FOR ARGUMENT TO PROTHONOTARY OF CUMBERLAND COUNTY Please list the matter for the August 09, 2013,Argument Court. CITIMORTGAGE, INC., S/B/M TO ABN COURT OF COMMON PLEAS AMRO MORTGAGE GROUP, INC. CUMBERLAND COUNTY,PENNA. 1000 TECHNOLOGY DRIVE O'FALLON, MO 63368, CIVIL DIVISION Plaintiff, A C'). r ; vs• NO. 2011-9521-CIVIL �M c c i RODNEY N. MANN ' MELISSA R. BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721, Defendant < cam-, _r 1. State matter to be argued (ie, plaintiff's motion for new.trial, defendant's demurrer to complaint, etc): Plaintiff's Motion for Summary Judgment filed on or about November 13, 2012. 2. Identify counsel who will argue case: (a) For Plaintiff: D. Troy Sellars, Esquire Address: 126 Locust Street Harrisburg,PA 17101 (b) For Defendant: Shane H. Hobbs, Esquire Address: 4 South 2"d Street Suite 303 Pottsville, PA 17901 3. I will notify all parties in writing within two (2) days that this case has been listed for argument. 4. Argument Court Date: August 09, 2013. DATE: 11J� > BY: D. Troy S ars, Esquire Attorney for Plaintiff �9 7S �d PHS#747101 ' ` �2g3361 PHELAN HALLINAN & SCHMIEG, LLP BY: D. TROY SELLARS,ESQUIRE ATTORNEY FOR PLAINTIFF Identification No: 210302 126 Locust Street Harrisburg,PA 17101 Telephone: (215) 563-7000, Ext. 7365 E-mail: troy.sellars i)helanhallinan.com CITIMORTGAGE,INC., S/B/M TO ABN COURT OF COMMON PLEAS AMRO MORTGAGE GROUP,INC. CUMBERLAND COUNTY,PENNA. 1000 TECHNOLOGY DRIVE O'FALLON,MO 63368, CIVIL DIVISION Plaintiff, vs. NO. 2011-9521-CIVIL RODNEY N. MANN MELISSA R. BRIGGS - 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721, Defendant CERTIFICATION OF SERVICE I hereby certify that true and correct copy of Plaintiffs Praecipe to Relist for Argument was sent via first class mail to the person on the date listed below: SHANE H. HOBBS,ESQUIRE 4 SOUTH 2ND STREET SUITE 303 POTTSVILLE, PA 17901 Date: D. Troy S lars, Esquire Attorney for Plaintiff PHS#747101 PHELAN HALLINAN & SCHMIEG, LLP BY: D. TROY SELLARS,ESQUIRE ATTORNEY FOR PLAINTIFF Identification No: 210302 126 Locust Street Harrisburg, PA 17101 Telephone: (215) 563-7000, Ext. 7365 E-mail: troy.sellars helanhallinan.com CITIMORTGAGE,INC., S/B/M TO ABN COURT OF COMMON PLEAS AMRO MORTGAGE GROUP, INC. CUMBERLAND COUNTY, PENNA. 1000 TECHNOLOGY DRIVE , O'FALLON, MO 63368, CIVIL DIVISION Plaintiff, VS. NO. 2011-9521-CIVIL RODNEY N. MANN MELISSA R. BRIGGS 410 EAST GREEN STREET , SHIREMANSTOWN, PA 17011-6721, Defendant CERTIFICATION OF SERVICE I hereby certify that true and correct copy of Plaintiffs Brief in Support of Its Motion for Summary Judgment was sent via first class mail to the person on the date listed below: SHANE H. HOBBS, ESQUIRE 4 SOUTH 2"STREET SUITE 303 POTTSVILLE, PA 17901 PHS#747101 I also further certify that a true and correct copy of PlaintfP s Motion for Summary Judgment filed November 13, 2012, was sent via first class mail on November 09, 2012, to the person at the addresses listed below: RODNEY N MANN, PRO SE MELISSA R. BRIGGS, PRO SE 410 EAT GREEN STREET SHIREMANSTOWN,PA 17011-6721 I also further certify that a true and correct copy of PlaintfFs Motion for Summary Judgment filed November 13, 2012, was sent via first class mail on July 18, 2013, to the person at the addresses listed below: SHANE H. HOBBS, ESQUIRE, 4 SOUTH 2ND STREET SUITE 303 POTTSVILLE, PA 17901 Date: �j�f/ 1 D. Troy llars, Esquire Attorney for Plaintiff PHS#747101 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CITIMORTGAGE,INC.S/B/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP,INC. 1000 TECHNOLOGY DRIVE Civil Division OIFALLONI MO 63368 Plaintiff CUMBERLAND County VS. No 11-9521-CIVIL RODNEYN. MANN ' MELISSA R.BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 C3 Defendants 3:10 C:) ORDER E3 NOW,this Cq 4A day ofA-Lorl—,20 upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof,and upon consideration of the Response,if any,filed by Defendants,the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law,and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendants,Rodney N. Mann and Melissa R. Briggs, for$137,456.79 plus interest from August 24,2012 and other costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property. THE T: J. Sit umsf PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER COURT OF COMMON PLEAS CITIMORTGAGE,INC. S/B/M TO ABN AMR() MORTGAGE GROUP,INC. CIVIL DIVISION =: Plaintiff - -~:: ., NO. 11-9521-CIVIL 3 i- v. CUMBERLAND COUNTY-1" c:) —, - <C:) -o _) RODNEY N.MANN Z c• r MELISSA R.BRIGGS 3%' Defendant(s) — ; 3 . PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER To the Prothonotary: Kindly Enter Judgment per the Court Order dated August 9,2013 in favor of the Plaintiff and against RODNEY N.MANN and MELISSA R.BRIGGS,defendant(s). As Set Forth in the Order $137,456.79 ) fr.' • Hallina LLP Attorney or 'laintiff PHS#747101 c/6, apt. eir Cit4 /33157 kit 44 43/ Mice A.talai IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CITLMORTGAGE,INC. SB/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP,INC. 1000 TECHNOLOGY DRIVE Civil Division • O'FALLON,MO 63368 Plaintiff CUMBERLAND Count vs. No. 11-9521-CIVIL a z r RODNEY N.MANN MELISSA R.BRIGGS : ..: 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 Defendants ORDER NOW,this 7 44‘ day of 20' upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof,and upon consideration of the Response,if any,filed by Defendants,the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law, and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendants,Rodney N.Mann and Melissa R. Briggs,for$137,456.79 plus interest from August 24,2012 and other costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property. T °'_T: .1 PRAECIPE FOR WRIT OF EXECUTION-(MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 CITIMORTGAGE,INC.SB/M TO ABN AMRO MORTGAGE GROUP, : COURT OF COMMON PLEAS INC. Plaintiff : CIVIL DIVISION v. : NO.: 11-9521-CIVIL RODNEY N. MANN • MELISSA R. BRIGGS : CUMBERL 04-UN-U. Defendant(s) mrn i T7 f.., t. To the Prothonotary: w `T Issue writ of execution in the above matter: A c 3 Amount Due $137,456.79 co Interest from 08/10/2013 to Date of Sale $3,908.32 ($18.79 per diem) TOTAL $141,365.11 Ph• . Hallin. , ' liso F.Zuc.- man,Esq.,Id.No.309519 Attorney or Plaintiff Note: Please attach description of property. PH#747101 Fair � ,9 is 1 atit 'von, 044 el--1 #14•.#0 Ca S S� sVd.00 1I 11 , G 1 f I . 7 J s c.t_e_ co r /'1. 75' " r r/6. co $.744. ZS p L 4 LEGAL DESCRIPTION All that certain piece or parcel of land situate in the Borough of Shiremanstown,Cumberland County, Pennsylvania,bounded and described as follows,to-wit: Beginning at a point on the southern side of Green Street,said point being on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein;thence along the southern line of Green Street,North 81 degrees 30 minutes 00 second East,91.37 feet to a point;thence South 8 degrees 30 minutes 00 second East, 155 feet to a point;thence South 81 degrees 30 minutes 00 second West, 90.25 feet to a point on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein;thence along said dividing line North 8 degrees 55 minutes 00 second West, 155.13 feet to a point on the southern line of Green Street,the place of beginning. TITLE TO SAID PREMISES VESTED IN Rodney N. Mann and Melissa R. Briggs, as joint tenants with the right of survivorship, by Deed from Jason A. Yeakle and Lindsey J. Yeakle, h/w, dated 05/30/2003, recorded 06/04/2003 in Book 257, Page 1968. PREMISES BEING:410 EAST GREEN STREET,SHIREMANSTOWN,PA 17011-6721 PARCEL NO.37-23-0555-330 ILL). i i4+ PHELAN HALLINAN, LLP Attorneys for Plaintiff Allison F. Zuckerman, Esq., Id. No.309519 ,; W 1617 JFK Boulevard, Suite 1400 t� � �� One Penn Center Plaza uUMBERLA U OUNT''1` Philadelphia, PA 19103 PENNSYLVANIA allison.zuckerman @phelanhallinan.com 215-563-7000 CITIMORTGAGE,INC. SB/M TO ABN AMR()MORTGAGE : COURT OF COMMON PLEAS GROUP,INC. Plaintiff : CIVIL DIVISION v. : NO.: 11-9521-CIVIL RODNEY N. MANN MELISSA R. BRIGGS : CUMBERLAND COUNTY Defendant(s) CERTIFICATION The undersigned attorney hereby states that he/she is the attorney for the Plaintiff in the above captioned matter and that the premises are not subject to the provisions of Act 91 because: ( ) the mortgage is an FHA Mortgage ( ) the premises is non-owner occupied ( ) the premises is vacant ( ) Act 91 procedures have been fulfilled (X) Act 91 is Not Applicable pursuant to Pa Bulletin, Doc No 11-1197, 41 Pa.B. 3943 This certification is made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. By. an Allison F.Zuckerman,Esq.,Id.No.309519 Attorney for Plaintiff CITIMORTGAGE,INC. SB/M TO ABN AMRO ▪ COURT OF COMMON PLEAS • MORTGAGE GROUP, INC. Plaintiff • CIVIL DIVISION v. ▪ NO.: 11-9521-CIVIL RODNEY N. MANN MELISSA R. BRIGGS • CUMBERLAND COUNTY Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 CITIMORTGAGE,INC.S/B/M TO ABN AMRO MORTGAGE GROUP,INC.,Plaintiff in the above action,by the undersigned attorney,sets forth as of the date the Praecipe for the Writ of Execution was filed,the following information concerning the real property located at 410 EAST GREEN STREET,SHIREMANSTOWN,PA 17011-6721. 1. Name and address of Owner(s)or reputed Owner(s): Name Address(if address cannot be reasonably ascertained, please so indicate) RODNEY N.MANN 410 EAST GREEN STREET t �� SHIREMANSTOWN,PA 17011-6721 C.A.) MELISSA R.BRIGGS 410 EAST GREEN STREET x SHIREMANSTOWN,PA 17011-6721 �,>> O S:2' 2. Name and address of Defendant(s)in the judgment: Name Address(if address cannot be reasonably ascertained,please so indicate) =•; tv RODNEY N.MANN 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 MELISSA R.BRIGGS 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address(if address cannot be reasonably ascertained,please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Address(if address cannot be reasonably ascertained,please indicate) FIRST TENNESSEE BANK NATIONAL 1755 LYNNFIELD BUILDING D-2ND FLOOR ASSOCIATION MEMPHIS,TN 38119 FIRST TENNESSEE BANK NATIONAL 300 COURT AVENUE ASSOCIATION MEMPHIS,TN 38103 FIRST TENNESSEE BANK NATIONAL 437 GRANT STREET SUITE 407 ASSOCIATION CIO RENAISSANCE PITTSBURGH,PA 15219 SETTLEMENTS PH#747101 MEMBERS 1ST FCU 500 LOUISE DRIVE MECHANICSBURG,PA 17055 MEMBERS 1ST FCU 5000 LOUISE DRIVE MECHANICSBURG,PA 17055 1100 SUPERIOR AVENUE MEMBERS 1ST FCU C/O FIRST AMERICAN SUITE 200 TITLE INSURANCE LENDERS ADVANTAGE CLEVELAND,OH 44114 5. Name and address of every other person who has any record lien on the property: Name Address(if address cannot be reasonably ascertained,please indicate) None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Address(if address cannot be reasonably ascertained,please indicate) None. 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: Name Address(if address cannot be reasonably ascertained,please indicate) TENANT/OCCUPANT 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 DOMESTIC RELATIONS OF 13 NORTH HANOVER STREET CUMBERLAND COUNTY CARLISLE,PA 17013 COMMONWEALTH OF PENNSYLVANIA P.O.BOX 2675 DEPARTMENT OF WELFARE HARRISBURG,PA 17105 INTERNAL REVENUE SERVICE ADVISORY 1000 LIBERTY AVENUE ROOM 704 PITTSBURGH,PA 15222 U.S.DEPARTMENT OF JUSTICE 228 WALNUT STREET,SUITE 220 U.S.ATTORNEY FOR THE MIDDLE PO BOX 11754 DISTRICT OF PA HARRISBURG,PA 17108-1754 FEDERAL BUILDING RODNEY N.MAN&MELISSA BRIGGS C/O 4 SOUTH 2ND STREET SHANE H.HOBBS,ESQUIRE STE 303 POTTSVILLE,PA 17901 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.A. § 4904 relating to unsworn falsification to authorities. Date: 04 By: helan-Il<allina'•. P meson F.Zuckerman,Esq.,Id.No.309519 Attorney for Plaintiff PH#747101 • CITIMORTGAGE,INC. SB/M TO ABN AMRO MORTGAGE : COURT OF COMMON PLEAS GROUP, INC. : CIVIL DIVISION Plaintiff : : NO.: 11-9521-CIVIL vs. RODNEY N. MANN : CUMBERLAND COUNTY MELISSA R. BRIGGS Defendant(s) C,"7 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY ai 'f=: =77) Ci) TO: RODNEY N.MANN -<?=" ca ' MELISSA R. BRIGGS < -o 410 EAST GREEN STREET SHIREMANSTOWN,PA 17011-6721 p :: N) **THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.** Your house(real estate)at 410 EAST GREEN STREET,SHIREMANSTOWN,PA 17011-6721 is scheduled to be sold at the Sheriff's Sale on 03/05/2014 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle,PA 17013 to enforce the court judgment of$114,311.89 obtained by CITIMORTGAGE,INC.SB/M TO ABN AMRO MORTGAGE GROUP,INC. (the mortgagee)against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. 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 sale will be canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 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 also 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 on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. 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 215-563-7000. 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 215-563-7000. 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 the 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. 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 filing of the proposed schedule. 7. You may also have other rights and defenses, or ways of getting your home 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 CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE,PA 17013 (717) 249-3166 (800) 990-9108 r SHORT DESCRIPTION By virtue of a Writ of Execution No. 11-9521-CIVIL CITIMORTGAGE, INC. SB/M TO ABN AMR()MORTGAGE GROUP, INC. v. RODNEY N.MANN MELISSA R.BRIGGS owner(s) of property situate in the SHIREMANSTOWN BOROUGH, CUMBERLAND County, Pennsylvania, being 410 EAST GREEN STREET, SHIREMANSTOWN,PA 17011-6721 Parcel No.37-23-0555-330 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING Judgment Amount: $114,311.89 Attorneys for Plaintiff Phelan Hallinan, LLP LEGAL DESCRIPTION All that certain piece or parcel of land situate in the Borough of Shiremanstown,Cumberland County, Pennsylvania,bounded and described as follows,to-wit: Beginning at a point on the southern side of Green Street,said point being on the dividing line of lands now or formerly of Charles L.Shreiner and Jean A. Shreiner and the Grantor herein;thence along the southern line of Green Street,North 81 degrees 30 minutes 00 second East,91.37 feet to a point;thence South 8 degrees 30 minutes 00 second East, 155 feet to a point;thence South 81 degrees 30 minutes 00 second West, 90.25 feet to a point on the dividing line of lands now or formerly of Charles L. Shreiner and Jean A. Shreiner and the Grantor herein;thence along said dividing line North 8 degrees 55 minutes 00 second West, 155.13 feet to a point on the southern line of Green Street,the place of beginning. TITLE TO SAID PREMISES VESTED IN Rodney N. Mann and Melissa R. Briggs, as joint tenants with the right of survivorship, by Deed from Jason A. Yeakle and Lindsey J. Yeakle, h/w, dated 05/30/2003, recorded 06/04/2003 in Book 257, Page 1968. PREMISES BEING: 410 EAST GREEN STREET,SHIREMANSTOWN,PA 17011-6721 PARCEL NO.37-23-0555-330 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 11-9521 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CITIMORTGAGE,INC. S/B/M TO ABN AMR() MORTGAGE GROUP,INC.Plaintiff(s) From RODNEY N. MANN,MELISSA R. BRIGGS (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION 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; (2) 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$137,456.79 Plaintiff Paid$ Interest FROM 08/10/2013 TO DATE OF SALE($18.79 PER DIEM) - $3,908.32 Attorney's Comm. % Law Library$.50 Attorney Paid$296.25 Due Prothonotary$2.25 Other Costs$ -12/MiLl Date: 9/30/13 David D. Buell, Prothonotary Deputy REQUESTING PARTY: Name : ALLISON F. ZUCKERMAN,ESQUIRE Address: PHELAN HALLINAN,LLP, 1617 JFK BOULEVARD,SUITE 1400,ONE PENN CENTER PLAZA,PHILADELPHIA, PA 19103 Attorney for: PLAINTIFF Telephone: 215-563-7000 Supreme Court ID No.309519 AFFIDAVIT OF SERVICE • PLAINTIFF CUMBERLAND COUNTY CITIMORTGAGE,INC.S/B/M TO ABN AMRO MORTGAGE GROUP,INC. PH#747101 DEFENDANT SERVICE TEAM/lxh RODNEY N.MANN COURT NO.: 11-9521-CIVIL MELISSA R.BRIGGS SERVE MELISSA R.BRIGGS AT: TYPE OF ACTION 10 SPRING DR XX Notice of Sheriff's Sale DILLSBURG,PA 17019-8805 SALE DATE: March 12,2014 SERVED -- Served and made known to MELISSA R.BRIGGS,Defendant on the/ day ofUJ'0 ,20 /2,a.ot , 9 I(r,o'clock D.M.,at// 5,�,2'.lak� ;)�, ,in the manner described below: Q "�Y _Defendant personally served. J n C''I ; Adult family member with whom Defendant(s)reside(s). Relationship is(t J7.HA ir1410 'Duj S mc•Anil wC. Adult in charge of Defendant's residence who refused to give name or relationship. "C Manager/Clerk of place of lodging in which Defendant(s)reside(s). C) �°' ' Agent or person in charge of Defendant's office or usual place of business. . j�� an officer of said Defendant's company. G p Other: p Description: Age © Height S Weight 2..2.5 Race U Sex PI Other I, i) 94 1 1.11∎ C in C , a competent adult,hereby verify that I personally handed a true and correct copy of the Notice of Sheriffs Sale in the manner as set forth herein, issued in the captioned case on the date and at the address indicated above. I understand that this statement is made subject to the penalties of 18 Pa.C.S. Sec.4904 relating to unworn falsification to authorities. DATE:/J4-/3 NAME: PRINTED NAME: a n 14 t W o+(m TITLE:Lf)'A1 S').° NOT SERVED On the day of 20 ,at o'clock_.M.,I, ,a competent adult hereby state that Defendant NOT FOUND because: Vacant _Does Not Exist _Moved _Does Not Reside(Not Vacant) No Answer on at • at Service Refused Other: I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. BY: PRINTED NAME: ATTORNEY FOR PLAINTIFF Phelan Hallinan,LLP 1617 JFK Boulevard,Suite 1400 One Penn Center Plaza Philadelphia,PA 19103 (215)563-7000 AFFIDAVIT OF SERVICE PLAINTIFF CUMBERLAND COUNTY CITIMORTGAGE,INC.SB/M TO ABN AMRO MORTGAGE GROUP,INC. PH#747101 DEFENDANT SERVICE TEAM/lxh RODNEY N.MANN COURT NO.:11-9521-CIVIL MELISSA R.BRIGGS SERVE RODNEY N.MANN AT: TYPE OF ACTION 410 EAST GREEN STREET XX Notice of Sheriff's Sale SHIREMANSTOWN,PA 17011-6721 SALE DATE: March 12,2014 SERVED ery d and made known to RODNEY N.MANN,Defendant on the ! day of ( ---20 at ,o'clock .M.,at 1-f locK - J ski t ,in the manner described below: Defendant personally served. Adult family member with ho Defend nt(s)reside(s). Relationship is IQ M �idt Adult in charge of Defendant's residence who refused to give name or relationship. Manager/Clerk of place of lodging in which Defendant(s)reside(s). _Agent or person in charge of Defendant's office or usual place of business. an officer of said Defendant's company. Other: S a � r,• Description: Age 3V Heights Weight Race Sex I Other I, a 'c _,a competent adult,hereby verify that I personally handed a true and correct copy of the Notice of Sheriffs Sale in the manner as set forth herein, issued in the captioned case on the date and at the address indicated above. I understand that this statement is made subject to the penalties of 18 Pa.C.S.Sec.4904 relating to unswom falsification to authorities. DATE:q(n ( e NAME: C� PRINTED NAME: ` �� TITLE: NOT SERVED On the day of ,20_,at o'clock_M.,I, ,a competent adult hereby state thtDFendYant NOT FOUND because: Vacant _Does Not Exist _Moved _Does Not Reside(Not Vacant) _No Answer on at , at _Service Refused Other: I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. BY: PRINTED NAME: Cr ATTORNEY FOR PLAINTIFF —11 Phelan Hallinan,LLP ---t 1617 JFK Boulevard,Suite 1400 f W C.a.) One Penn Center Plaza =rti r"ri M" '" Philadelphia,PA 19103 (215)563-7000 D ,a ()C • f Z 'C3 p 1 a - -0a) -:-s r*;rn r1 PHELAN HALLINAN, LLP Attorney for Plaintiff -- � Adam H. Davis, Esq.,Id. No.203034 1617 JFK Boulevard. Suite 1400 One Penn Center Plaza Philadelphia,PA 19103 Adam.Davis @PhelanHallinan.com 215-563-7000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CITIMORTGAGE,INC.S/B/M TO ABN AMR() : CUMBERLAND COUNTY MORTGAGE GROUP,INC. Plaintiff, : COURT OF COMMON PLEAS v. : CIVIL DIVISION RODNEY N.MANN No.: 11-9521-CIVIL MELISSA R.BRIGGS Defendant(s) AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.2 COMMONWEALTH OF PENNSYLVANIA ) PHILADELPHIA COUNTY ) SS: As required by Pa. R.C.P. 3129.2(a)Notice of Sale has been given to Lienholders and any known interested party in the manner required by Pa. R.C.P. 3129.2(c)on each of the persons or parties named,at that address,set forth on the Affidavit and as amended if applicable.A copy of the Certificate of Mailing(Form 3817) and/or Certified Mail Return Receipt stamped by the U.S.Postal Service is attached hereto Exhibit"A". t-0'6%-t/"/Y0-0 Adam H.Davis,Esq.,Id.No.203034 2 /�O / 9 Attorney for Plaintiff Date: // /!/ 7 IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. It may not be sold in the absence of a representative of the plaintiff at the Sheriff's Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff is not present at the sale. PH#747101 Ivr 1.11 0.14...... g 1 III 11 2 II Il'47 in Le) vir vr) tr on er In Nur a A e tia vs g g g g g 4 ill1 a A j la I iti III --- II h., . -- El' i II s i isa cD 4 i 1 1 "or tl g E Al og z C.) 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'' One Penn Center Plaza Philadelphia, PA 19103 Jonathan.Lobb@phelanhallinan.com 215-563-7000 CITIMORTGAGE, INC. S/B/M TO ABN AMRO • Court of Common Pleas MORTGAGE GROUP, INC. • Plaintiff • Civil Division v. • CUMBERLAND County • RODNEY N. MANN • No.: 11-9521-CIVIL MELISSA R. BRIGGS • Defendants PLAINTIFF'S MOTION TO REASSESS DAMAGES Plaintiff, by its Attorneys, Phelan Hallinan, LLP, moves the Court to direct the Prothonotary to amend the judgment in this matter, and in support thereof avers the following: 1. Plaintiff commenced this foreclosure action by filing a Complaint on December 28, 2011. 2. Plaintiff obtained summary judgment by Order of Court dated August 9, 2013. Damages were assessed on September 30, 2013 in the amount of$137,456.79. True and correct copies of the Court's Summary Judgment Order and Plaintiff's Assessment of Damages are attached hereto, made part hereof, and marked as Exhibit "A". 3. Pursuant to Pennsylvania Rule of Civil Procedure 1037(b)(1), a default judgment containing a dollar amount must be entered for the amount claimed in the complaint and any item which can be calculated from the complaint, i.e. bringing the interest current. However, new items cannot be added at the time of entry of the judgment. 747101 4. The Property is listed for Sheriffs Sale on March 12, 2014. 5. Additional sums have been incurred or expended on Defendants'behalf since the Complaint was filed and Defendants have been given credit for any payments that have been made since the judgment. The amount of damages should now read as follows: Principal Balance $111,748.96 Interest Through February 27, 2014 $27,460.89 Late Charges $847.55 Legal fees $3,425.00 Cost of Suit and Title $1,746.34 Property Inspections $601.50 Appraisal/Brokers Price Opinion $84.37 Mortgage Insurance Premium/Private Mortgage Insurance $41.54 Escrow Deficit $12,352.62 TOTAL $158,308.77 6. The judgment formerly entered is insufficient to satisfy the amounts due on the Mortgage. 7. Under the terms of the Mortgage and Pennsylvania law, Plaintiff is entitled to inclusion of the figures set forth above in the amount of judgment against the Defendants. 8. Plaintiff's foreclosure judgment is in rem only and does not include personal liability, as addressed in Plaintiffs attached brief. 9. In accordance with Cumberland County Local Rule 208.3(9), Plaintiff sent a copy of its proposed Motion to Reassess Damages and Order to the Defendant on February 24, 2014 and requested the Defendants' Concurrence. Plaintiff did not receive any response from the Defendants. A true and correct copy of Plaintiffs letter pursuant to Local Rule 208.3(9)and certification of mailing are attached hereto, made part hereof, and marked as Exhibit "B". 10. In compliance with Cumberland County Local Rule 209.3(a)(2), Plaintiff avers that Judge Placey entered an order for summary judgment dated August 9, 2013. 747101 WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan,LLP DATE: /Zy��r By: ,� 2 onathan Lob-b, Esquire ATTORNEY FOR PLAINTIFF 747101 Phelan Hallinan, LLP Jonathan Lobb, Esq., Id. No.312174 ATTORNEY FOR PLAINTIFF 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Jonathan.Lobb@phelanhallinan.com 215-563-7000 • CITIMORTGAGE, INC. S/B/M TO ABN AMR() Court of Common Pleas MORTGAGE GROUP, INC. . Plaintiff • Civil Division • v. CUMBERLAND County • RODNEY N. MANN • No.: 11-9521-CIVIL MELISSA R. BRIGGS . Defendants MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION TO REASSESS DAMAGES I. BACKGROUND OF CASE RODNEY N. MANN and MELISSA R. BRIGGS executed a Promissory Note agreeing to pay principal, interest, late charges, real estate taxes, hazard insurance premiums, and mortgage insurance premiums as these sums became due. Plaintiffs Note was secured by a Mortgage on the Property located at 410 EAST GREEN STREET, SHIREMANSTOWN, PA 17011-6721. The Mortgage indicates that in the event of a default in the mortgage, Plaintiff may advance any necessary sums, including taxes, insurance, and other items, in order to protect the security of the Mortgage. In the instant case, Defendants defaulted under the Mortgage by failing to tender numerous, promised monthly mortgage payments. Accordingly, after it was clear that the default would not be cured, Plaintiff commenced the instant mortgage foreclosure action. Judgment was subsequently entered by the Court, and the Property is currently scheduled for Sheriffs Sale. 747101 • Because of the excessive period of time between the initiation of the mortgage foreclosure action, the entry of judgment and the Sheriffs Sale date, damages as previously assessed are outdated and need to be adjusted to include current interest, real estate taxes, insurance premiums, costs of collection, and other expenses which Plaintiff has been obligated to pay under the Mortgage in order to protect its interests. It is also appropriate to give Defendants credit for monthly payments tendered through bankruptcy, if any. II. LEGAL ARGUMENT TO AMEND PLAINTIFF'S IN REM JUDGMENT It is settled law in Pennsylvania that the Court may exercise its equitable powers to control the enforcement of a judgment and to grant any relief until that judgment is satisfied. 20 P.L.E., Judgments § 191. Stephenson v. Butts, 187 Pa.Super. 55, 59, 142 A.2d 319, 321 (1958). Chase Home Mortgage Corporation of the Southwest v. Good, 537 A.2d 22, 24 (Pa.Super. 1988). The Pennsylvania Superior Court has repeatedly cited the right of a foreclosing creditor to amend its judgment prior to the Sheriffs sale. Nationsbanc Mortgage Corp. v. Grillo, 827 A.2d 489 (Pa.Super. 2003). Morgan Guaranty Trust Co. of N.Y. v. Mowl, 705 A.2d 923 (Pa. Super. 1998). Union National Bank of Pittsburgh v. Ciongoli, 407 Pa.Super. 171, 595 A.2d 179 (1991). The Supreme Court of Pennsylvania recognized in Landau v. Western Pa.Nat. Bank,445 Pa. 117, 282 A.2d 335 (1971),that the debt owed on a Mortgage is subject to change and, in fact, can be expected to change from day to day because the bank must advance sums in order to protect its collateral. Because a Mortgage lien is not extinguished until the debt is paid,Plaintiff must protect its collateral up until the date of sale. Beckman v. Altoona Trust Co., 332 Pa. 545,2 A.2d 826 (1939). Because a judgment in mortgage foreclosure is strictly in rem, it is critical that the judgment reflect those amounts expended by the Plaintiff in protecting the property. Meco Reality 747101 • Company v. Burns, 414 Pa. 495, 200 A.2d 335 (1971). Plaintiff submits that if it goes to sale without the requested amended judgment, and if there is competitive bidding for the Property, Plaintiff will suffer a significant loss in that it would not be able to recoup monies it advanced to protect its interests. Conversely, amending the in rem judgment will not be detrimental to Defendants as it imputes no personal liability. In B.C.Y. v. Bukovich,the Pennsylvania Superior Court reiterated its long standing rule that a Court has the inherent power to correct a judgment to conform to the facts of a case. 257 Pa. Super. 157, 390 A.2d 276 (1978). In the within case, the amount of the original judgment does not adequately reflect the additional sums due on the Mortgage due to Defendants' failure to tender payments during the foreclosure proceeding and the advances made by the mortgage company. The Mortgage plainly requires the mortgagors to tender to the mortgagee monthly payments of principal and interest until the Promissory Note accompanying the Mortgage is paid in full. The mortgagors are also required to remit to the mortgagee sufficient sums to pay monthly mortgage insurance premiums, fire insurance premiums,taxes and other assessments relating to the Property. The mortgagor s have breached the terms of the Mortgage, and Plaintiff has been forced to incur significant unjust financial losses on this loan. III. THE FORECLOSURE JUDGMENT IS IN REM ONLY The within case is a mortgage foreclosure action,the sole purpose of which is to take the mortgaged property to Sheriffs Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is strictly in rem and does not include any personal liability. Newtown Village Partnership v. Kimmel, 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). Signal Consumer 747101 Discount Company v. Babuscio, 257 Pa. Super 101, 109, 390 A.2d 266, 270 (1978). Pennsylvania Rule of Civil Procedure 1141(a). However, Pennsylvania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is for bidding at the Sheriffs Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at the Sheriffs Sale and become the successful purchaser, Plaintiff would receive the amount of the in rem judgment from the Sheriff IV. INTEREST The Mortgage clearly requires that the Defendants shall promptly pay when due the principal and interest due on the outstanding debt. In addition,the Note specifies the rate of interest to be charged until the debt is paid in full or otherwise satisfied. Specifically, interest from 30 days prior to the date of default through the date of the impending Sheriffs sale has been requested. V. TAXES AND INSURANCE If Plaintiff had not advanced monies for taxes and insurance throughout the foreclosure proceeding, Plaintiff would have risked loss of its collateral. If the Property were sold at a tax sale, Plaintiffs interest very well may be divested, and Plaintiff would sustain a complete loss on the outstanding balance due on the loan. If the Property were damaged in a fire, Plaintiff would not be able to obtain insurance proceeds to restore the Property if it did not pay the insurance premiums. Most importantly,the Mortgage specifically provides that the mortgagee may advance the monies for taxes and insurance and charge these payments against the escrow account. Plaintiff is simply seeking to have the Court enforce the terms of the Mortgage. 747101 VI. ATTORNEY'S FEES The Plaintiffs foreclosure fees are very modest. They cover all of the legal work done throughout the course of the foreclosure action to date, including reviewing the Act 6 or Act 91 letters, loan documents, account records, title reports and supporting documents, preparing and reviewing the mortgage foreclosure complaint, filing and service of the complaint, Rule 237.1 Notice, Department of Defense search, entry of judgment, the writ of execution process, lien holder notices, and all of the other legal work that goes into handling the mortgage foreclosure lawsuit. The Mortgage specifically provides for Plaintiffs recovery of its attorney fees. The amount of attorney's fees requested in the Motion to Reassess Damages is in accordance with the loan documents and Pennsylvania law. Pennsylvania Courts have long and repeatedly concluded that a request of five percent of the outstanding principal balance is reasonable and enforceable as an attorney's fee. Robinson v. Loomis, 51 Pa. 78 (1865); First Federal Savings and Loan Association v. Street Road Shopping Center, 68 D&C 2d 751, 755 (1974). In Federal Land Bank of Baltimore v. Fetner,the Superior Court held that an attorney's fee of ten percent of the original mortgage amount is not unconscionable. 410 A.2d 344 (Pa. Super. 1979). The Superior Court cited Fetner in confirming that an attorney's fee of ten percent included in the judgment in mortgage foreclosure action was reasonable. Citicorp v. Morrisville Hampton Realty, 662 A.2d 1120 (Pa. Super. 1995). Plaintiffs legal fees are not a percentage but are significantly less than what is permitted by Pennsylvania law. 747101 VII. COST OF SUIT AND TITLE Pursuant to the terms of the mortgage, Plaintiff is entitled to recover all expenses incurred in the foreclosure action. The amount claimed for the costs of suit and title are the expenses Plaintiff paid to date as a result of the mortgage default. The title report is necessary to determine the record owners of the property, as Pa.R.C.P. 1144 requires all record owners to be named as Defendants in the foreclosure action. It is also necessary to determine whether there are any prior liens to be cleared, so that the Sheriff's sale purchaser acquires clear title to the property. It is necessary to determine if there are IRS liens on the property, whether the Defendants are divorced (which could affect service of the complaint), and numerous other legal issues. The title bringdown is necessary to identify any new liens on the property or new owners between the time of filing and complaint and the writ date. The Freedom of Information Act inquiries and the investigation into Defendants' whereabouts are necessary to effectively attempt personal service of the complaint and notice of sale on the Defendant. The notice of sale and Rule 3129 notice are required by Pa.R.C.P.3129.1 and 3129.2 to notify all lienholders, owners, and interested persons of the Sheriff's sale date, as their interests will be divested by the Sheriff's sale. Accordingly, the modest sums Plaintiff has incurred for the costs of suit and title were necessary pursuant to Pennsylvania law. The amounts were reasonable and actually incurred. The mortgage and Pennsylvania law permit Plaintiff to recover these sums through its foreclosure action. As the foreclosure action is in rem only, Plaintiff recovers its judgment from the sale of the property, not out of the Defendant's pockets. Plaintiff should recover the costs of suit and title in their entirety, which will not cause harm to the Defendants. 747101 VIII. PROPERTY INSPECTIONS AND PRESERVATION The terms of the mortgage provide for property inspections and property preservation charges. The lender or its agent may make reasonable inspections of the property pursuant to the terms of the mortgage. When a borrower defaults under the terms of the mortgage, the lender may do, or pay for, whatever is reasonable to protect its interest in the collateral, including property maintenance. Any amounts disbursed by the lender for property inspections and preservation become additional debt of the borrower secured by the mortgage. The lender may charge the borrower for services performed in connection with the default, for the purpose of protecting the lender's interest in the property, including property inspections and valuation costs. When a loan is in default, the lender's risk increases. Mortgage companies typically have a vendor visit the premises to determine if any windows need to be boarded up, if the property is vacant, if the grass needs to be cut, or the snow shoveled. If the property inspection reveals any problems at the mortgaged premises, then the mortgage company may proceed to take whatever steps are necessary to secure the collateral, such as boarding windows, winterizing, removing hazards or debris, etc. The mortgage company generally pays a vendor to handle these tasks, which are referred to in the industry as "property preservation". These services avoid code violations and avoid the property becoming an eyesore in the neighborhood. Property preservation helps maintain property values in the neighborhood. Accordingly, line items included in Motions to Reassess Damages for property inspections and property preservation represent amounts which the mortgage company has paid out of its pocket to preserve its collateral, consistent with the terms of the mortgage contract. Since the terms of the mortgage provide that such expenses by the mortgage company become 747101 part of the borrower's debt secured by the mortgage, those expenses are properly included in the Plaintiff's Motion to Reassess Damages. IX. CONCLUSION Therefore, Plaintiff respectfully submits that if the enforcement of its rights is delayed by legal proceedings, and such delays require the mortgagee to expend additional sums provided for by the Mortgage,then the expenses necessarily become part of the mortgagee's lien and should be included in the judgment. Plaintiff respectfully requests that this Honorable Court grant its Motion to Reassess Damages. Plaintiff submits that it has acted in good faith in maintaining the Property in accordance with the Mortgage, and has relied on terms of the Mortgage with the understanding that it would recover the monies it expended to protect its collateral. WHEREFORE,Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan, LLP DATE: 2-- /2-V /It( By: (nathan Lobb, Esquire Attorney for Plaintiff 747101 Exhibit "A" 747101 PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER COURT OF COMMON PLEAS CITIMORTGAGE,INC.S/B/M TO ABN AMR() MORTGAGE GROUP,INC. CIVIL DIVISION *�`a Plaintiff _ ; NO. 11-9521-CIVIL rnc°r, r,-, r —o i. v. CUMBERLAND COUNT 1 , <C) -v RODNEY N.MANN 2r MELISSA R.BRIGGS )2'2 NI Defendant(s) —; _ PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER To the Prothonotary: Kindly Enter Judgment per the Court Order dated August 9,2013 in favor of the Plaintiff and against RODNEY N.MANN and MELISSA R.BRIGGS,defendant(s). As Set Forth in the Order $137,456.79 •' Hallina LLP Attorney or 'laintiff jh. c 0'1 b°gs7q PHS#747101 ci', s-p4- Jr /33 '757 R.g:L.44 a.3/ f(etiu "vied IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CITLMORTGAGE,INC.SB/M TO ABN AMR() . Court of Common Pleas MORTGAGE GROUP,INC. 1000 TECHNOLOGY DRIVE Civil Division O'FALLON,MO 63368 • Plaintiff • CUMBERLAND County vs. No. 11-9521-CIVIL - r, .; 7 C.'• RODNEY N.MANN • c �+ ' MELISSA R.BRIGGS 410 EAST GREEN STREET • = = SHIREMANSTOWN,PA 17011-6721 Defendants ORDER NOW,this l ' day of ,20' upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof and upon consideration of the Response,if any,filed by Defendants,the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law,and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendants,Rodney N.Mann and Melissa R.Briggs,for$137,456.79 plus interest from August 24,2012 and other costs and charges collectible under the mortgage,for foreclosure and sale of the mortgaged property. T _ ' . 'T: J. • Exhibit "B" 747101 is Name and Phelan Hallinen,LLP Address IIIIIIk 1617 JFK Boulevard,Suite 1400 Of Sender One Penn Center Plaza Philadelphia,PA 19103 JOB 49 °. Line Article Number Name of Addressee,Street,and Post Office Address ._,Poi t 111. P.... 2 •*** RODNEY N.MANN SO N sl ii.MELISSA R.BRIGGS 410 EAST GREEN STREET i SHIREMANSTOWN,PA 17011-6721 . 3 ***a RODNEY N.MANN $0.41 t` (.111 o MELISSA R BRIGGS i m �', 10 SPRING DR o o DILLSBURG,PA 17019.8805 - " '" . :a 4 **** SHANE H.HOBBS S:45 .' `"° d SOUTH 2ND STREET f�0, 4 STE 303 ,4 ,.r': ldt∎ 4 11 P a POTTSVILLE5 PA 17901 1`4(V•1 RE:RODNEY N.MANN(CUMBERLAND) PH ii 74710111200 Page 1 of I $1.33 4. =� .1 ('Toad Number et Told Number of MCI Postmaster.Per iName al The fill dedrauat Moak*a*eared mi at&Maisie scut iotaenneoaal temetered VAC.T . . i i i∎Pircts Listed by Semite Raxlwd et Peet OtTum Ramer%Employcel ter*IC ttCeroeuaiw doaangalmealsdoMUSetes ado Emma Mal documW»ueaatuc 4,,i Mem subjer4 to/dime of S300000:pr€,aemtrrrrxi.Thomodnma indemniypeyoM.ea Fe ' The tea amp tadauaay p eyabl ids i nt,d�1f tot rraNtwml tit trot web optimal ialarmoo-A. 11/. 17 8900$913 Ned 5421 for limitatimn ors mace. ; tt Form 3877 Fscrl mile .. ```- ri.a: i. 'r 1 74711 H'e .s: Phelan Hallinan, LLP Jonathan Lobb, Esq., Id. No.312174 ATTORNEY FOR PLAINTIFF 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Jonathan.Lobb@phelanhallinan.com 215-563-7000 CITIMORTGAGE, INC. S/B/M TO ABN AMR() : Court of Common Pleas MORTGAGE GROUP, INC. Plaintiff : Civil Division • v. • CUMBERLAND County RODNEY N. MANN : No.: 11-9521-CIVIL MELISSA R. BRIGGS • Defendants CERTIFICATION OF SERVICE I hereby certify that true and correct copies of Plaintiffs Motion to Reassess Damages, and Brief in Support thereof, were sent to the following individuals on the date indicated below. SHANE H. HOBBS, ESQUIRE 4 SOUTH 2ND STREET, STE 303 POTTSVILLE, PA 17901 Phelan Hallinan, LLP DATE: JZ J � By: Jo an Lobb, Esquire ATTORNEY FOR PLAINTIFF 747101 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CITIMORTGAGE, INC. S/B/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP, INC. Plaintiff Civil Division v. CUMBERLAND County RODNEY N. MANN No.: 11-9521-CIVIL MELISSA R. BRIGGS Defendants RULE AND NOW, this ,r day of M4 Pe.A 2014, a Rule is entered upon the Defendants to show cause why an Order should not be entered granting Plaintiffs Motion to Reassess Damages. Defendants shall have twenty (20) days from the date of this Order to file a response to Plaintiff's Motion to Reassess Damages. If 'no response is filed with the Court, Plaintiff may file a Motion to Make Rule Absolute and no hearing will be scheduled on this matter. BY TH COURT (=a 7;t7 9D 747101 Jonathan Lobb, Esq., Id. No.312174 Phelan Hallinan, LLP 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 TEL: (215) 563-7000 FAX: (215) 563-3459 XANE H. HOBBS 4 SOUTH 2ND STREET, STE 303 POTTSVILLE, PA 17901 747101 747101 1 Phelan Hallinan, LLP • Jonathan M. Etkowicz, Esq., Id. No.208786 ATTORNEY FOR PLAINTIFF 1617 JFK Boulevard, Suite 1400 hi); 3 I ro One Penn Center Plaza Philadelphia, PA 19103 jonathan.etkowicz@phelanhallinan.com 215-563-7000 CUMSERLAND COUNTY PENNSYLVANIA CITIMORTGAGE, INC. S/B/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP, INC. Plaintiff Civil Division vs. CUMBERLAND County RODNEY N. MANN No.: 11-9521-CIVIL MELISSA R. BRIGGS Defendants MOTION TO MAKE RULE ABSOLUTE CITIMORTGAGE, INC. S/B/M TO ABN AMR() MORTGAGE GROUP, INC., by and through its attorney, hereby petitions this Honorable Court to make Rule to Show Cause absolute in the above-captioned action, and in support thereof avers as follows: 1. A Motion to Reassess Damages was filed with the Court on February 25, 2014. 2. A Rule was issued by the Honorable KEVIN A HESS on or about March 5, 2014 directing the Defendants to show cause by March 25, 2014 why the Motion to Reassess Damages should not be granted. A true and correct copy of the Rule is attached hereto, made part hereof, and marked Exhibit A. 3. The Rule to Show Cause was timely served upon all parties on March 14, 2014 in accordance with the applicable rules of civil procedure. A true and correct copy of the Certificate of Service is attached hereto, made part hereof, and marked Exhibit B. 4. Defendants failed to respond or otherwise plead by the Rule Returnable date of March 25, 2014. 747101 WHEREFORE, Plaintiff requests that this Honorable Court make the Rule to Show Cause absolute and grant Plaintiff's Motion to Reassess Damages. DATE: 3/it/t r By: Phelan Hallinan, LLP Jon than M. Etkowicz, Esq., Id. No.208786 Attorney for Plaintiff 747101 Exhibit "A" 747101. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. Plaintiff v. RODNEY N. MANN Court of Common Pleas Civil Division CUMBERLAND County No.: 11-9521-C1VIL MELISSA R. BRIGGS Defendants RULE AND NOW, this ,;„3-#%-, day of , 2014, a,Rule is entered upon the Defendants to show cause why an Order should not be entered -granting Plaintiff's Motion to Reassess • Damages. Defendants shall have twenty (20) days from the date Of this Order to file a response to . . Plaintiff's Motion to Reassess Damages. If no response is filed with the Court, Plaintiff may file a Motion to Make Rule Absolute and no hearing will be scheduled on this matter. BY THE COURT 00 Ls) 747101 Jonathan Lobb Esq., Id. No.312174 Phelan Hallinan,DP 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 TEL: (215) 563-7000 FAX: (215) 563-3459 SHANE H. HOBBS 4 SOUTH 2ND S STE 303 POTTSVILLE, PA 17901 • ° 74710] 747101 Exhibit "B" 747101 Phelan Hallinan, LLP Jonathan Lobb, Esq., Id. No.312174 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Jonathan.Lobb@phelanhallinan.com 215-563-7000 ATTORNEY FOR PLAINTIFF CITIMORTGAGE, INC. S/B/M TO ABN AMR() Court of Common Pleas MORTGAGE GROUP, INC. Plaintiff Civil Division vs. CUMBERLAND County RODNEY N. MANN No.: 11-9521-C1VIL MELISSA R. BRIGGS Defendants CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of the Court's March 5, 2014 Rule directing the Defendants to show cause as to why Plaintiffs Motion to Reassess Damages should not be granted was served upon the following individuals on the date indicated below. SHANE H. HOBBS, ESQUIRE 4 SOUTH 2ND STREET, STE 303 POTTSVILLE, PA 17901 DATE: Phelan l'1411inan,_ LLP By: J ; t:hLo )h. Esq., Id, No.312174 Attorney for Plaintiff 747101 Phelan Hallinan, LLP Jonathan M. Etkowicz, Esq., Id. No.208786 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 jonathan.etkowicz@phelanhallinan.com 215-563-7000 ATTORNEY FOR PLAINTIFF CITIMORTGAGE, INC. S/B/M TO ABN AMRO Court of Common Pleas MORTGAGE GROUP, INC. Plaintiff Civil Division vs. CUMBERLAND County RODNEY N. MANN No.: 11-9521-CIVIL MELISSA R. BRIGGS Defendants CERTIFICATION OF SERVICE I hereby certify that true and correct copies of Plaintiffs Motion to Make Rule Absolute was served upon the following individuals on the date indicated below. SHANE H. HOBBS 4 SOUTH 2ND STREET, STE 303 POTTSVILLE, PA 17901 By: Jonath Etkowicz, Esq., Id. No.208786 Attorne r Plaintiff Phelan Hailinan LLP 747101 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. Plaintiff VS. RODNEY N. MANN MELISSA R. BRIGGS Defendants AND NOW, this 3" day of ORDER Ar Court of Common Pleas Civil Division CUMBERLAND Count No.: 11-9521-CIVIITTtc-3 : i > C , 2014, upon consideration of Plaintiff s Motion to Make Rule Absolute, it is hereby ORDERED and DECREED, that the Rule entered upon Defendants shall be and is hereby made absolute and Plaintiff's Motion to Reassess Damages in the above captained matter is hereby GRANTED. The Prothonotary is ORDERED to amend the judgment and the Sheriff is ORDERED to amend the writ nunc pro tunc as follows: Principal Balance Interest Through February 27, 2014 Late Charges Legal fees Cost of Suit and Title Property Inspections Appraisal/Brokers Price Opinion Mortgage Insurance Premium/ Private Mortgage Insurance Escrow Deficit $111,748.96 $27,460.89 $847.55 $3,425.00 $1,746.34 $601.50 $84.37 $41.54 $12,352.62 TOTAL $158,308.77 Plus interest at six percent per annum. Note: The above figure is not a payoff quote. Sheriffs commission is not included in the above figure. C.Cr ES fr&t tEcL F44,1 kdsa- ALf fig 111013gS 113/Pf BY THE COURT: 747101 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY _ ; 1LE :�-0ii r0, trite t; IRE PROTHONOTARY Ch/z,.. t{ I �=. ti 2111'!IMAY 27 PM L: C43 OFFACEOrTHM . ,FF CUMBERLAND COUNTY PENNSYLVANIA CITIMORTGAGE, Inc., vs. Rodney N. Mann (et al.) Case Number 2011-9521 SHERIFF'S RETURN OF SERVICE 01/09/2014 02:12 PM - Deputy Dennis Fry, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 410 East Green Street, Shiremanstown - Borough, Shiremanstown, PA 17011, Cumberland County. 01/09/2014 02:12 PM - Deputy Dennis Fry, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be Melissa Biggs, wife, who accepted as "Adult Person in Charge" for Rodney N. Mann at 410 E. Green Street, Shiremanstown Borough, Shiremanstown, PA 17011, Cumberland County. 01/09/2014 02:12 PM - Deputy Dennis Fry, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Melissa R. Briggs at 410 E. Green Street, Shiremanstown Borough, Shiremanstown, PA 17011, Cumberland County. 03/06/2014 As directed by Joseph Schalk, Attorney for the Plaintiff, Sheriffs Sale Continued to 6/4/2014 05/21/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $816.15 SO ANSWERS, May 21,2014 (c) Co.ntySu.te Sneriff. Tel ecsof t, inc. RONR ANDERSON, SHERIFF a- p�(• ev• ,_56 r,d - ek-p S35 01 364<W9 On November 8, 2013 the Sheriff levied upon the defendant's interest in the real property situated in Shiremanstown Borough, Cumberland County, PA, Known and numbered as, 410 East Green Street, Shiremanstown, as Exhibit "A" filed with this writ and by this Reference incorporated herein. Date: November 8, 2013 By: nt Real Estate Coordinator ca rTi c /z nl rr c 7 rn Cr)CD LXIII 4 CUMBERLAND LAW JOURNAL 01/24/14 Writ No. 2011-9521 Civil Term CITIMORTGAGE, Inc. vs. Rodney N. Mann Melissa R. Briggs Atty.: Joseph Schalk By viIlue of a Writ of Execution No. 11 -9521 -CIVIL, crnMORTGAGE, INC. S/B/M TO ABN AMRO MORT- GAGE GROUP, INC. vs. RODNEY N. MANN, MELISSA R. BRIGGS owner(s) of property situate in the SHIREMANS- TOWN BOROUGH, CUMBERLAND County, Pennsylvania, being) 410 EAST GREEN STREET, SHIREMANS- TOWN, PA 17011-6721. Parcel No. 37-23-0555-330. Improvements thereon: RESIDEN- TIAL DWELLING. Judgment Amount: $114,311.89. 59 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 24, January 31, and February 7, 2014 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. Lisa Marie Coyne, Ed }t SWORN TO AND SUBSCRIBED before me this 7 day of February, 2014 NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 e01111•111. The Patriot -News Co. 2020 Technolbgy Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 he atriotNeuss 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 Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday Patriot -News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 2011-9521 Civil Term CITIMORTGAGE, Inc., Vs' Rodney N. Mann Melissa R. Briggs Atty: Joseph Schalk By virtue of a Writ of Execution N. 11 -9521 -CIVIL crn MORTGAGE, TO ABN AMRO GROUP, INC. RODNEY N. MANN MELISSA R. BRIGGS situate owner(s) of property in the SHIREMANSSTOWN BOROUGH, CUMBERLAND County, Pennsylvania, being ) 410 EAST GREEN STREET, SHIREMANSTOWN, PA 17011-6721 Parcel No. 37-23-0555-330 (Acreage or street address) thereon: Improvements RESIDENTIAL DWELLING Judgment Amount $114,311.89 INC. SBIM MORTGAGE This ad ran on the date(s) shown below: 01/19/14 01/26/14 02/02/14 Sworn tnd ubscribed before e this 18 day of February, 2014 A.D. ry Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Holly Lynn Warfel, Notary Public Washington Twp., Dauphin County My Commission Expires Dec. 12, 2016 MEMBER, PENNSYLVANIA ASSIKUA1TON OF NOTARIES Phelan Hallinan, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PliD HON rC1 .1�'f. 10 Ail le: 26 CUMBERLAND COUNTY PENNSYLVANIA Attorney For Plaintiff CITIMORTGAGE, INC. S/B/M TO ABN AMRO MORTGAGE GROUP, INC. Plaintiff v. RODNEY N. MANN MELISSA R. BRIGGS Defendant(s) Court of Common Pleas Civil Division CUMBERLAND County No. 11 -9521 -CIVIL PRAECIPE TO THE PROTHONOTARY: n Please withdraw the complaint and mark the action Discontinued and Ended without prejudice. n Please mark the above referenced case Settled, Discontinued and Ended. ® Please Vacate the judgment entered and mark the action Discontinued and Ended without prejudice. n Please mark the in rem judgment Satisfied and the action Discontinued and Ended. n Please Vacate the Judgment entered. Date: Obi/ PH # 747101 PHELAN HALLINAN, LLP By: Mario . Hanyon, Esq., d. No.203' •3 Attorney for Plaintiff Phelan Hallinan, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 Attorney For Plaintiff CITIMORTGAGE, INC. S/B/M TO ABN AMR() MORTGAGE GROUP, INC. Plaintiff v. RODNEY N. MANN MELISSA R. BRIGGS Defendant(s) Court of Common Pleas Civil Division CUMBERLAND County No. 11 -9521 -CIVIL CERTIFICATION OF SERVICE I hereby certify true and correct copies of the foregoing Plaintiffs Praecipe was served by regular mail to the person(s) on the date listed below: SHANE H. HOBBS, ESQUIRE 4 SOUTH 2ND STREET STE 303 POTTSVILLE, PA 17901 Date: 6, /CI 41-7 PHELAN HALLINAN, LLP By: Mario J. Hanyon, Esq., Id. No.203 93 Attorney for Plaintiff