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HomeMy WebLinkAbout12-0331SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FILED-OFFICE Sheriff i. `= THE PROTHONOTARY ?a?r??tp at ?uinbrrt??? 2012 FEB 17 AN 10: 4 ?J Jody S Smith t , Chief Deputy Richard W Stewart CUMBERLAND COUNTY Solicitor 0 CE 'F THE SH:RtF? PENNSYLVANIA PNC Bank, NA vs. Raymond D. Fahnestock (et al.) Case Number 2012-331 SHERIFF'S RETURN OF SERVICE 02/09/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on February 9, 2012 at 1125 hours, he was unable to serve a true copy of the within Complaint In Mortgage Foreclosure, upon the within named defendant, to wit: Carol S. McKee. Deputies were advised, Carol S. McKee no longer resides at 424 Rear S. Baltimore Avenue, Mount Holly Springs, Pennsylvania 17065. However, The Mount Holly Springs Postmaster is still delivering her mail to this address. 02/10/2012 10:45 AM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on February 10, 2012 at 1045 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Raymond D. Fahnestock, by making known unto himself personally, at 220 Mill Street, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $57.00 February 09, 2012 - ;4' _ TIM BLA K, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF ci Cou: iiySuit!: Sheriff. lee^.,; `t [!" Charles J. Hartwell, Esquire ! E 4 T P R O T H D N O TA RID #52655 Dethlefs-Pykosh Law Group, LLC 2012 MAR 2 1 Pty 1: 5 9 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone-(717)975-9446 CUMBERLAND COUNTY Fax - (717) 975-2309 PENNSYLVANIA chartwell(t dplglaw.corn Attorney for Defendants PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action - Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants TO: PNC BANK, NA You are hereby notified to file a written response to the enclosed Answer and New Matter within twenty (20) days from service hereof or a judgment may be entered against you. 3,10 - ( Z Date: Charles J. Hartwell, Esquire I.D. # 52655 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Fax (717) 975-2309 Charles J. Hartwell, Esquire 1D # 52655 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 cartwell a dplglaw.com Attorney for Defendant Raymond D. Fahnestock PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action - Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants ANSWER AND NEW MATTER AND NOW, comes, Raymond D. Fahnestock, (Answering Defendant) by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Charles J. Hartwell, Esquire, who answers the Plaintiff's Complaint, and avers as follows: 1. Admitted. 2. Admitted in part and denied in part. It is admitted that Answering Defendant resides at the address indicated in the caption of the complaint. Defendant Carol S. McKee no longer resides at the subject property. 3. Admitted. 4. Admitted. 5. Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer, the alleged documents speak for themeselves. 6. Admitted. 7. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph, and the same is therefore denied 8. Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer, the notice provided by Plaintiff was legally insufficient, precluding the instant action. 9. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph, and the same is therefore denied. 10. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph, and the same is therefore denied. WHEREFORE, the answering Defendant respectfully requests that Plaintiff's Complaint be dismissed with prejudice. NEW MATTER 11. The averments of paragraphs 1 through 10 are incorporated herein by reference as though set forth at length. 12. The Act 91 notice provided by Plaintiff was deficient in that it did not notify Defendants that they had thirty (30) days to have a face-to-face meeting with Plaintiff. 35 P.S. §1680.403c. 13. Accordingly, the Court lacks subject matter jurisdiction to entertain the instant mortgage foreclosure proceeding.' ' See, Benefit Consumer Disc. Co. v. Vukmam, 2012 PA Super 18 (Pa. Super. Ct. 2012) WHEREFORE, the answering Defendant respectfully requests that Plaintiff's Complaint be dismissed. Respectfully Submitted, Date: 20 Charles J. Hartwell, Esquire I.D. # 52655 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Fax (717) 975-2309 PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action - Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants VERIFICATION I, Raymond D. Fahnestock, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my personal knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. f Date: ?' ??` -Z X44 PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action - Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants CERTIFICATE OF SERVICE I hereby certify that a copy of the Answering Defendant, Raymond D. Fahnestock's, Answer and New Matter to Plaintiff's Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Date: Brett A. Solomon, Esquire TUCKER ARENSBERG, P.C. 1500 One PPG Place Pittsburgh, PA 15222 Respectfully Submitted, Charles J. Hartwell, Esquire I.D. # 52655 2132 Market Street Camp Hill, Pennsylvania 17011 Attorney for Defendant Raymond D. Fahnestock IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil �- vs. RAYMOND D. FAHNESTOCK MOTION FOR SUMMARY ,7....y AND CAROL S. MCKEE, JUDGMENT U) N ED Defendants. —n ?a C-y Filed on behalf of Plaintiff, 7:c _ (n PNC BANK,NATIONAL ASS005�Nf , d Counsel of record for this party: ~ Brett A. Solomon,Esquire Pal. D. #83746 Michael C. Mazack,Esquire Pa I.D. #205742 Stefan A. Dann,Esquire . Pa I.D. #306507 TUCKER ARENSBERG,P.C. Firm#287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 2012-331 Civil vs. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) MOTION FOR SUMMARY JUDGMENT AND NOW, comes PNC Bank,National Association, (hereinafter"Plaintiff"), by and through its counsel, Tucker Arensberg, P.C., and files the within Motion for Summary Judgment, in support of which Plaintiff avers as follows: Pursuant to Rule 1035.1 of the Pennsylvania Rules of Civil Procedure, the Plaintiff moves this Court for summary judgment in foreclosure in its favor and against the Defendant Raymond D. Fahnestock, only, on the basis that there is no genuine issue as to any material fact and that the Plaintiff is entitled to judgment on its Complaint as a matter of law. The bases for this Motion are set forth in the accompanying Brief in Support of the Motion for Summary Judgment,which is incorporated herein by reference. WHEREFORE, the Bank respectfully requests that this Court grant this Motion for Summary Judgment and enter judgment in foreclosure against the Defendant Raymond D. Fahnestock, only. Respectfully submitted, TU KER BE ,P.C. Date: June ,2013 Brett A. Solomon,Esquire Pa. I.D.No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 BANK FIN:431036-1 000011-153652 i CERTIFICATE OF SERVICE The undersigned hereby certifies that on this day of Vrr�- , 2013, a true and correct copy of the within Motion for Summary Judgment and Brief in Support, were served on the Defendants for their counsel and by first class,U.S.Mail, postage prepaid, at the following address: Charles I Hartwell, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill,PA 17011 Carol S. McKee 424 Rear S Baltimore Avenue Mt. Holly Springs,PA 17065 TUCKS tIAENSBERG,P.C. Brett A. Solomo , squire BANK FIN:431036-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 2012-331 Civil vs. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) ORDER OF COURT AND NOW, to wit, this day of 2013, it is hereby ORDERED, ADJUDGED and DECREED that Plaintiff's Motion for Summary Judgment is granted. It is further ORDERED, ADJUDGED and DECREED that Judgment in mortgage foreclosure is hereby entered in favor of the Plaintiff, PNC Bank, National Association, and against Defendant Raymond D. Fahnestock, in the amount of $53,539.42, plus interest from December 30, 2011 at the contract rate, reasonable attorneys fees and costs of suit. BY THE COURT: J. BANK FIN:431036-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil VS. RAYMOND D. FAHNESTOCK BRIEF IN SUPPORT OF MOTION FOR AND CAROL S. MCKEE, SUMMARY JUDGMENT Defendants. Filed on behalf of Plaintiff, PNC BANK,NATIONAL ASSOCIATION Counsel of record for this party: Brett A. Solomon, Esquire Pa 1. D. # 83746 Michael C. Mazack, Esquire Pa I.D. #205742 Stefan A. Dann, Esquire Pa I.D. #306507 TUCKER ARENSBERG, P.C. Firm#287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 2012-331 Civil vs. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT I. INTRODUCTION. On or about January 25, 2012, PNC Bank, National Association (the "Plaintiff' or the `Bank"), filed a Complaint in Mortgage Foreclosure (the "Complaint"), against Raymond D. Fahnestock and Carol S. McKee (the "Defendants") whereby the Plaintiff sought foreclosure of a parcel of real property owned by the Defendants located at 424 Rear S Baltimore Avenue, Mt. Holly Springs, Pennsylvania 17065 (the "Premises"). A true and correct copy of the Complaint is attached hereto and incorporated herein as Exhibit"1". On or about March 21, 2012, the Defendant Raymond D. Fahnestock filed an Answer and New Matter to the Complaint (the "Answer"). A true and correct copy of the Answer is attached hereto and incorporated herein as Exhibit "2". II. MATTER BEFORE THE COURT. This brief is in support of a Motion for Summary Judgment seeking entry of summary judgment against the Defendant Raymond D. Fahnestock in foreclosure upon the Premises. BANK FIN:431038-1 000011-153652 2 III. STATEMENT OF QUESTION INVOLVED. Whether the Plaintiff has satisfied the requisite elements of an action in mortgage foreclosure as set forth in Rule 1147 of the Pennsylvania Rules of Civil Procedure and is entitled to Summary Judgment? Suggested Answer: Yes, the elements necessary for a judgment in mortgage foreclosure have been pled in the Complaint by the Plaintiff in accordance with Pa.R.Civ.P. No. 1147 such that Plaintiff's Motion for Summary Judgment should be granted. IV. UNDISPUTED FACTS. There is no genuine issue as to the following facts: 1. PNC Bank, National Association, is a national banking association organized under the laws of the United States of America with a principal place of business at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. (Complaint¶1; Answer¶1). 2. Defendant Raymond D. Fahnestock is an adult individual whose last known address is 424 Rear S Baltimore Avenue, Mt. Holly Springs, Pennsylvania 17065. (Complaint ¶2; Answer¶2). 3. On or about January 6, 1999, the Defendants executed and delivered to the Bank a Note (the "Note") whereby Defendants promised to pay Bank the principal amount of $88,740.95 plus interest and other amounts as more particularly set forth in the Note. (Complaint¶3; Answer¶3). 4. On or about January 6, 1999,the Defendants executed and delivered to the Bank a Mortgage (the "Mortgage"), encumbering the Premises. The Mortgage was recorded in the Office of the Recorder of Deeds of Cumberland County, on January 25, 1999 in Mortgage Book Volume 1514, page 903. (Complaint¶4; Answer¶4). BANK FIN:431038-1 000011-153652 3 5. The Defendants are the record and real owners of the Premises. (Complaint ¶6; Answer¶6). V. SUMMARY JUDGMENT STANDARD. The entry of summary judgment, in whole or in part, is appropriate upon the motion of any party: (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report, or (2) if, after the completion of discovery relevant to the motion, including the production of expert reports, an adverse party who will bear the burden of proof at trial has failed to produce evidence of facts essential to the cause of action or defense which in a jury trial would require the issues to be submitted to a jury. Pa.R.C.P. No. 1035.2 (1996). The motion must be filed after the relevant pleadings are closed, but within such time as to not unreasonably delay trial. Id. In order to overcome the imposition of summary judgment, a Defendant must show that there is a genuine issue of material fact. See Pa.R.Civ.P. No. 1035.3. In attempting to establish a genuine issue of material fact, a Defendant may not rest upon mere denials in his Answer, but rather must present "facts." Id.; see also, Dep't of Transp. v. Mitchell, 535 A.2d 581, 586 (Pa. 1987)(holding the adverse party may not rest on his denials in the pleadings to defeat a motion for summary judgment); New York Guardian Mortgage Corp v. Dietzel, 524 A.2d 951, 952 (Pa. Super. 1987) (holding that an adverse party may not rest upon mere denials in the pleadings to overcome summary judgment but instead must present "facts"). As set forth herein, the pleadings of record in this matter entitle the Bank to summary judgment as a matter of law and fact. BANK_FIN:431038-1 000011-153652 4 VI. ARGUMENT. A. The Essential Elements of an Action in Mortgage Foreclosure. The elements that must be pled in a mortgage foreclosure action are set forth in Rule 1147 of the Pennsylvania Rules of Civil Procedure as follows: 1. the parties to and the date of the mortgage, and of any assignments, and a statement of the place of records of the mortgage and assignments; 2. a description of the land subject to the mortgage; 3. the names, addresses and interest of the defendants in the action and that the present real owner is unknown if he is not made a party; 4. a specific averment of default; 5. an itemized statement of the amount due, and 6. a demand for judgment for the amount due. The foregoing elements have been pled in the Complaint in accordance with Pa.R.Civ.P. No. 1147. B. There is No Genuine Issue of Material Fact. The elements of the Bank's case which are not expressly admitted in the Answer are set forth in Paragraphs 5, 7, 8, 9 and 10, relating to (1) whether the Defendants are in default under the Note (Complaint ¶5); (2) whether there has been any assignment, release or transfer of the Note or Mortgage (Complaint ¶7); (3) whether notices pursuant to 35 P.S. § 1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 -- Act 91 of 1983) and 41 P.S. § 403 (Act 6 of 1974) were sent to the Defendants (Complaint ¶8); and (4) the total amounts due under the Note and Mortgage (Complaint¶¶9 and 10). 1. The Defendants are in default of the Note. In response to Paragraph No. 5 of the Complaint, alleging default under the Note and Mortgage, the Defendant Raymond D. Fahnestock responded as follows: BANK_FIN:431038-1 000011-153652 5 Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer, the alleged documents speak for themselves. The Affidavit, attached hereto as Exhibit "3," verifies the accuracy of the information contained in the Complaint, this Brief, and the statement of payment history by the Defendants under the Note (the "Pay History"), which is attached to the Affidavit as Exhibit "C." The Pay History shows that the Defendants are currently due for the June 2009 payment under the Note. The Affidavit also verifies the accuracy of the amount past due under the Note as of April 25, 2013. As the Defendants are due for the June 2009 payment under the Note, the Defendants are in default of their obligations to the Bank under the clear and unmistakable language of the Mortgage to the extent indicated in the Complaint and the Affidavit. 2. No assignment, release or transfer of the Note or Mortgage. In response to Paragraph No. 7 of the Complaint, regarding whether the Note and Mortgage have been assigned, released or transferred, the Defendant Raymond D. Fahnestock responded as follows: Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as [to] the truth of the averments in this paragraph, and the same is therefore denied. Attached hereto as Exhibit "3" is the Affidavit of PNC Bank, National Association that verifies that the Note and Mortgage given to the Bank by the Defendants have not been assigned, released or transferred. BANK_FIN:431038-1 000011-153652 6 3. Notices of the Bank's intention to foreclose upon the Premises were properly forwarded to the Defendants. In response to Paragraph No. 8 of the Complaint, regarding whether Notice of the Bank's intention to foreclosure upon the Premises were properly forwarded to the Defendants, the Defendant Raymond D. Fahnestock responded as follows: Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer, the notice provided by Plaintiff was legally insufficient, precluding the instant action. Pursuant to 35 P.S. § 1680.401c, et seq., the Pennsylvania Housing Finance Agency ("PHFA") may make loans to Pennsylvania residents secured by liens on residential real property and requires mortgagees to provide written notice to mortgagors prior to commencing foreclosure proceedings on these residential real properties. This section does not apply if(1)the property securing the mortgage is not the principal residence of the mortgagor; or (2) the property securing the mortgage is not a one or two-family owner-occupied residence. Pursuant to 35 P.S. § 1680.403c(a), "[a]ny mortgagee who desires to foreclose upon a mortgage shall send to such mortgagor at his or her last known address, the notice provided in subsection (b)...." Emphasis added. Subsection (b) provides that, "[t]he notice shall list consumer credit counseling agencies and shall advise the mortgagor of his delinquency or other default under the mortgage and that such mortgagor has thirty (30) days to have a face-to-face meeting with the mortgagee who sent the notice or a consumer credit counseling agency to attempt to resolve the delinquency or default by restructuring the loan payment schedule or otherwise." 35 P.S. § 1680.403c(a). Pursuant to 41 P.S. § 403(a) (Notice of intention to foreclose), "before any residential mortgage lender may accelerate the maturity of any residential mortgage obligation, commence any legal action including mortgage foreclosure to recover under such obligation, or take BANK FIN:431038-1 000011-153652 7 possession of any security of the residential mortgage debtor for such residential mortgage obligation, such person shall give the residential mortgage debtor notice of such intention at least thirty days in advance." Pursuant to 41 P.S. § 403(b), "[n]otice of intention to take action as specified in subsection (a) of this section shall be in writing, sent to the residential mortgage debtor by registered or certified mail at his last known address and, if different, at he residence which is subject of the residential mortgage." Emphasis added. Pursuant to 41 P.S. § 101, et seq., a "residential mortgage" is "an obligation to pay a sum of money in an original bona fide principal amount of fifty thousand dollars ($50,000.00) or less, evidenced by a security document and secured by a lien upon real property located within the Commonwealth containing two or fewer residential units." A "residential mortgage debtor" is a "non-corporate borrower who is obligated to a residential mortgage lender to repay in whole or in part a residential mortgage." Additionally, pursuant to 41 P.S. § 404(b) "to cure a default under this section, a residential mortgage debtor shall: (1) Pay or tender, . . . all sums which would have been due at the time of payment or tender in the absence of default and the exercise of an acceleration clause, if any; . . . (3) Pay or tender any reasonable fees allowed under Section 406 (allowing reasonable fees, including settlement costs and attorneys' fees upon commencement of a foreclosure action) and the reasonable costs of proceeding to foreclosure as specified in writing by the residential mortgage lender actually incurred to the date of payment. . . (4) Pay any reasonable late penalty, if provided for in the security document." Attached to the Complaint as Exhibit "C" are the notices of the Bank's intention to foreclose upon the Mortgage that were sent to the Defendants as a result of the Defendants' BANK_FIN:431038-1 000011-153652 8 failure to make the required payments on the Note and Mortgage (the "Notice"). The Notice was sent to the Defendants at the Premises on April 18, 2011. As required, the Bank waited more than 33 days to proceed with any action on the Mortgage. The Defendant Raymond D. Fahnestock claims that the Notice sent by the Bank was legally insufficient and that, as a result, the Court lacks subject matter jurisdiction. This argument is incorrect. Defendant Raymond D. Fahnestock cites the recent Superior Court of Pennsylvania decision of Beneficial Consumer Discount Co. v. Vukmam for the proposition that the Notice was deficient and that the Court lacks subject matter jurisdiction. The facts before the Vukmam court are distinguishable from those currently before this Court and Defendant Raymond D. Fahnestock's argument must fail. In Vukmam, the trial court read the language of Act 91 in effect as of October 2006, the time that mortgage foreclosure action was commenced, as requiring the notice of intent to foreclose sent to the defendant to inform the defendant that she had thirty days either to have a face-to-face meeting with the mortgagee or to have a face-to-face meeting with a consumer credit counseling agency. Beneficial Consumer Disc. Co. v. Vukmam, 2012 PA Super. 18 (Pa. Super. Ct. Jan. 30, 2012), citing 35 P.S. §1680.403c (b)(1), effective until September 7, 2008. Attached hereto as Exhibit"4" and Exhibit"5" are copies of 35 P.S. §1680.403c as it was written until September 7, 2008 and as written from September 8, 2008 to the present, respectively. Because the Act 91 Notice the mortgagee in the Vukmam case sent to the defendant failed to inform the defendant that she could meet with the mortgagee, the trial court concluded that the notice of intent to foreclose in that case was deficient and that the court thus lacked subject matter jurisdiction. Id. As a result, the trial court set aside the sheriff's sale and the judgment BANK_FIN:431038-1 000011-153652 9 and dismissed the complaint. Id. The Superior Court of Pennsylvania affirmed the trial court's interpretation of the statutory notice requirements. The amendments to 35 P.S. §1680.403c that became effective September 8, 2008 provide that the notice of intent to foreclose shall advise the mortgagor that "such mortgagor has thirty (30) days, plus three (3) days for mailing, to have a face-to-face meeting with a consumer credit counseling agency to attempt to resolve the delinquency or default by restructuring the loan payment schedule or otherwise. 35 Pa. Stat. Ann. § 1680.403c (emphasis added). The requirement that the notice include language advising the mortgagor of the right to have a meeting with the mortgagee was eliminated by the legislature in the most recent amendment and thus that language was not required to be included in an Act 91 Notice that was sent on or after September 8, 2008. In the instant foreclosure, the Bank sent the Defendant the required Act 91 Notice on April 18, 2009. The act that was in effect at the time the Act 91 Notice was sent to the Defendants in this matter did not require that the Defendants be advised of the option for a face- to-face meeting with the Bank. As the Act 91 Notice sent to the Defendants in this matter advised them of their right to meet with a consumer credit counseling agency within thirty-three days of the date of the Act 91 Notice, the Act 91 Notice sent to the Defendants in this matter complied with the statutory requirements. Accordingly, the reasoning of Vukmam is not applicable in the instant case and the Act 91 Notice sent by the Bank is not defective. Therefore, the Bank is not precluded from bringing the instance action and the Court has subject matter jurisdiction over the action. BANK_FIN:431038-1 000011-153652 10 4. Total Amount Due. Paragraphs 9 and 10 of the Complaint contain averments setting forth the total amount due to the Bank under the Note and Mortgage. Defendant Raymond D. Fahnestock responded to Paragraphs 9 and 10 as follows: 9. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as [to] the truth of the averments of this paragraph, and the same is therefore denied. 10. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as [to] the truth of the averments of this paragraph, and the same is therefore denied. Answer, ¶¶9-10. Attached to the Affidavit of PNC Bank, National Association (Exhibit "Y) hereto, as Exhibit"C" is the Pay History by the Defendants under the Note and Mortgage. The Pay History shows all payments made under the Note and Mortgage by the Defendants. As the Pay History indicates, the Defendants are now due for their June 2009 payment. Additionally, pursuant to Pennsylvania Rule of Civil Procedure 1029(a), the averments in a responsive pleading "shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive." Pa.R.C.P. No. 1029(a). Furthermore, under Pa.R.C.P. No. 1029(b), "averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof. . . shall have the effect of an admission." Pa.R.C.P. No. 1029(b). The only applicable exception to this general rule is set forth in Pa.R.C.P. No. 1029(c), which provides that "[a] statement by a party that after reasonable investigation the party is without knowledge or information sufficient to form a belief as to the truth of an averment shall have the effect of a BANK FIN:431038-1000011-153652 11 denial. Pa.R.C.P. No. 1029(c). At first glance, it may appear as if the responses set forth in Paragraph Nos. 9 and 10 of the Answer fall into the exception articulated in 1029(c). Rule 1029(c), however, is a limited exception to the general rule that each averment of fact must be specifically denied. An "answer [which] merely aver[s] lack of knowledge is also ineffective when it affirmatively appears that the defendant had sufficient knowledge on which to base an admission or specific denial." Cercone v. Cercone, supra, 254 Pa. Super. at 388, 386 A.2d at 1. In Cercone v. Cercone, the Court held that a party may not rely upon Rule 1029(c) to avoid the consequences of a failure to specifically deny factual allegations in a complaint which are clearly facts that said party must know. Cercone, 254 Pa. Super. at 389, 386 A.2d at 5. Much like the instant case, Cercone involved a loan of money between the parties, which the defendants allegedly failed to repay. Cercone, 254 Pa. Super. at 383, 386 A.2d at 1. The plaintiff sued to recover payment of the money lent to the defendants. Cercone, 254 Pa. Super. at 383, 386 A.2d at 2. In Cercone, the plaintiffs' complaint averred that they entered into an oral contract with the defendants to lend the defendants money to build a home, that they loaned certain money to the defendants pursuant to said oral contract, and that the defendants failed to repay the loan, despite repeated requests for payment. Cercone, 254 Pa. Super. at 383, 386 A.2d at 1. One of the defendants filed an answer admitting all of the averments set forth in the complaint. 254 Pa. Super. at 384, 386 A.2d at 2. The other defendant filed an answer, in which she responded to the three averments set forth above that, after a reasonable investigation, she had no knowledge of the facts averred and demanded proof of the same at the time of trial. Id. The lower court granted the plaintiffs' motion for summary judgment, finding that the defendant had admitted all BANK_FIN.431438-1 000411-153652 12 the material facts necessary to establish the plaintiffs' cause of action. Cercone, 254 Pa. Super. at 385, 386 A.2d at 3. Affirming the lower court, the Superior Court held that the defendants' general denial was an admission of the averments in the complaint. Cercone, 254 Pa. Super. at 389, 386 A.2d at 5. Citing to Rule 1029, the Superior Court stated that the defendant "may not rely upon Rule 1029(c)...to excuse a failure to make a specific denial of factual allegations contained in a complaint when it is clear that the defendant must know whether a particular allegation is true or false." Id. The instant case is analogous to Cercone. Like the defendant in Cercone, the Defendant Raymond D. Fahnestock has denied paragraphs 9 and 10 of the Complaint (relating to the amount due to the Bank). However, the Defendant Raymond D. Fahnestock fails to provide any affirmative response regarding his belief as to the actual amount owed by the Defendants to the Plaintiff under the Note and Mortgage. Claiming ignorance regarding the account balance or the proper application of payments in the past is not a defense to the Complaint in Mortgage Foreclosure where the Defendants admit the existence of an obligation of which the Defendants are clearly in default. In New York Guardian Mortgage Corporation v. Dietzel, 362 Pa. Super. 426, 524 A.2d 951 (1986), the Superior Court held that the defendants failed to specifically deny the averment in the complaint regarding the amount due and owing under the Note by stating that they were without knowledge as to the truth of said averment. New York Guardian, 362 Pa. Super. at 428, 524 A.2d at 952. The defendants in New York Guardian admitted that they were behind in their payments. They attempted to set forth a defense, however, by claiming that they were without information as to the truth of the averment regarding the amount due and owing under the Note. Citing Rule BANK_FIN:431038-1 000011-153652 13 1029(c) and Cercone, the Superior Court ruled that ". apart from appellee (plaintiff), appellants (defendants) are the only parties who would have sufficient knowledge on which to base a specific denial." Id. In the instant case, like the defendants in New York Guardian, the Defendants have not made recent payments on the Note and Mortgage. As a result, the Defendants are in default of the clear and concise terms of the Note and Mortgage. Also,just as the defendants in New York Guardian, the Defendant Raymond D. Fahnestock responded to the averments in the Complaint regarding the amount due under the Note and Mortgage, without any indication that there was an attempt to determine the true amount due. Like the defendants in New York Guardian, the Defendants are the only party, other than the Plaintiff who would have sufficient knowledge on which to base a specific denial. The Defendants should know the amount due on their obligation to the Plaintiff. As stated previously, the Plaintiff has attached to the Affidavit of PNC Bank, National Association, as Exhibit "3," a statement of the Pay History by the Defendants under the Note and Mortgage. This official bank document, kept in the normal course of the Bank's business, shows all payments made by the Defendants and all charges to the Defendants' account, including interest, under the Note and Mortgage and the accounts current balance. Therefore, pursuant to the rulings in Cercone and New York Guardian, Paragraph Nos. 9 and 10 are also properly deemed admitted. VII. RELIEF: As demonstrated above, Plaintiff has pled all elements necessary for a judgment in foreclosure against the Premises. The Defendant Raymond D. Fahnestock has failed to adequately raise an issue of law or dispute a material element of fact in response to the BANK_FIN:431038-1 000011-153652 14 Complaint. As a result, Summary Judgment should be entered in foreclosure against the Defendant Raymond D. Fahnestock as respectfully requested in the Complaint. Respectfully submitted, TUCIAR AREN , P.C. Brett A. Solomon, Esquire Pa. I.D. # 83746 Michael C. Mazack, Esquire Pa I.D. No. 205742 Stefan A. Dann, Esquire 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Counsel for PNC Bank, National Association, Plaintiff BANK_FIN:431038-1 000011-153652 15 II JIM COURT-OF.•COMMON PLEAS OF CZIMBERLAND•COUNTY;PENNSYLVANIA' :C 'c O PNC BANK,NATIONAL ASSOCIATION' CIVIL DNISION._ j'TS ern . x r-- Plaintiff; RA�'MOND D:FAHNESTOCK: GNIL ACTION:-COMPLAINT .?.:. . w . AND CAROLS.'MCKEE,`:: MORTGAGE FORECLOSURE . Defendants.: . . Filed on behalf of PNC$arik,National, Association;.Plaintiff Counsel of record for this party:.. Brett A: Solomon,Esquire.. : Pa.I.D.#83746 _ bsolomon"ckerlaw:corri Michael C.Mazack;Esgnire: :' Pa.ID..#205742. TUCKER ARENSBERG;P.C. .. - Firm..#287'::. 1500 One PPG Place.' Pittsburgh Pennsylvania 15222 . ittsb - :(412)566-1212' I hereby:certify that the property to be foreclosed upon is: . .424 Rear.S Baltimore Avenue Mt:Holly Springs,Pennsylvania 17065 Township of Mt:Holly Springs :.:Tax Parcel No.23-35-23 8 Brett A. SeKdmon Attorney for'Plaintiff F T4LiE Copy FROM RE EEXH IBIT in Testimony whereof,I here unto set my hand and the seat of said Co rt at Carlisle,Pa. This�:—day of�,20 . Protttary. BANK_FIN:419358-1 0000.11=1'S3b52 IN THE COURT OF COMMON PLEAS OF CUMBERLAND•COUNTY;PENNSYLVANIA PNG-BANK,NATIONAL ASSOCIATION;.. : ) r J:-:? CIVIL DIVISION ; Plaintiff,`..: RAYMOND D.FAHNESTOCK- ) " AND CAROLS:MCKEE; Defendants:: . ).. . .. IMPORTANT NOTICE:: • . You have,been sued in:court.- If'you kish: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:byattorneyand filing in writing with the court your defenses or objections to the claims,-Set forth agamsfyou.:l'ott:are'warned.t at ifyou:fail to.do so,the' case may proceed without you and a judgment rriay:be entered against you by the court without further -notice for any money claimed in the`Complaint-or Tor any other..66 'or relief requested by the'Plaintiff. You may lose money or property or other rights:important.to you:;:. YOU.SHOULD TAKE THIS`PAPER'TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE Y•OU.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. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street = Carlisle,PA 17013. (717)-249-3166. 'I-800-990=9108 BANK FIN:419358-1 000011-153652 AVISO Le han de mandado a usted en la'corte: Si usterl.quiere.defenderse de estas demandas:expeustas eri las paginas siguientes;usted tiene wienfe(20):dia's..de pla/o:al partir de la fecha de la demainda y.1a `notificacion: Hace falta asentar una comparencia escrita o.en persona o con ud abogado y entregara la corte enroma ascrita.sus.defenses.o.sus objecones alas'-derl andas en contra.de:su-persona: Sea avisado: que si usted no se defiende,la torte tomara me'didasy puede continuar Ia diemanda en contra.suy a sin.. previo aviso a notificacion: Ademas,la corte puede decider a favor del demande\ante y:require que usted,. currlpla con todas Ias.proVisiones de esta demanda. Usfed'puede erder dinero:o sus propiedades o ostro derechos,importante's:para usted.. LLEVE ESTA DEMAND.A A--UN ABOGADO INMEDMALA IENTE.. .SI NOTIENE A'BAGADO O'SI.: NO TIENE EL DINERO FI SUCIENTE DE PAGA:R T.AL:SERVICIO,VAYA EN PERSONA O DIRE ENA ESRITA ABAIO LLAIvE POR TELEFONO.A.LA OFICINA,CIJYACC PARA AVERIGUARDONDE SE PUEDE CONSEGUM ASISTENCIA LEGAL.' .. ` Lawyer Referral Service.' Cumberland.County Bar Association 32 South:Bedford'Street :. Carlisle;PA'17013 717)249=31,66 1-800=990-9.108. . BANK_FIN:419358-1 000011-1536S2 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,.PENNSYLVANIA PNC BANK,NATIONAI✓"ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No.. RAYMOND DD FAHNESTOCK ) AND CAROLS.MCKEE,-_:. ) .Defendants..... ) , COMPLAINT IN MORTGAGE FORECLOSURE AND'NOW COMES. PNC Bank, National Association ("Bank:`),-by_arid.through its counsel,`Tucker.Arensberg, P.C., and avers the following in ,support of its,Complaint in Mortgage Foreclosure:. 1. PNC Bank, National_Association, is a national banking association,organized' under the laws of the United States.of America with a.principal place`of business at.One PNC Plaza,:249 Fifth Avenue,Pittsburgh,Pennsylvania.15222-2707. 2. Defendants, Raymond D. Fahnestock and Carol S::McKee ("Defendants."); are adult individuals whose last known .address.is 424 Rear S -Baltimore Avenue, Mt. Holly. Springs, .Pennsylvania 17065. 3. On or about January 6, 1999,the Defendants executed and delivered to the Bank a Note ("Note") whereby Defendants promised to pay Bank the principal amount of $88,740.95 plus . interest and other amounts as more particularly set forth in the Note. .A true and correct copy of the Note is attached hereto as Exhibit"A" and incorporated herein. 4.. On or about January 6, 1999,the Defendants executed and delivered to the Bank . a Mortgage ("Mortgage"), encumbering certain real property located in the Township Township of Mt. Holly Springs, County of Cumberland, Pennsylvania, as more particularly described th erein (".Premises").. The BANK FIN:419358-1 000011-153652 : . Mortgage was recorded in the_Office of the Recorder of.Deeds of Cumberland.County,.on January.2S; 1999_in:,Morhgage Book Volume 1514;page 903.. A true and correct copy:of the Mortgage is attached hereto as Exhibit"B"and incorporated herein: 5:... The Defendants are in default of the provisions of the Mortgage for failure to-,.-:. ' make:payment.when due.. The Defendant.is past due.in payments*.from.June: 20, 2009, and as of December 30;201 i;was past due in the amount of$26,140 87 6. The Defendants are.the record and real owners of the Premises: 7. There has been no assignment,release or:tran sfer of the Mortgage. 8. On or about April 18,2011,Notices were sent to Defendants in accordance with 35 P.S: §1680.403C.(Homeowner's Emergency Mortgage Assistance Act of 1983 Act 91 :of 1983) and 4.1 P.S.§403 (Act,6 of 1974)that an action on said Mortgage may be commenced after 31 days.from the date..bf the Notices. Said Notices further_advised Defendants of Defendants' rights and obligations m' accordance with the Act. Copies of the Notices are attached.hereto as.Exhibit"C";.collectively; and`: . incorporated herein. .9..' The amount due Bank under the Note and Mortgage as of December 30;:2011. was as.follows: Principal $42;67930 lnterestthrough 12/30/20.11 $ 8,767.00.; (continuing thereafter at$9.34 per diem) Bank Costs $ 394.60 Late Charge $ .683.52 Attorneys'Fees 0 $ 17-015.00, Costs of Foreclosure to be added TOTAL $53;539.42 10. The total amount due.to Bank under.the Note and Mortgage as of December 30; 2011 was Fifty-Three Thousand Five Hundred Thirty-Nine and 42/100 Dollars ($53,539.42), plus costs and attorneys'fees. BANK FiN:419358-1 000011-153652 WHEREFORE, Plaintiff demands an in rem judgment in mortgage.foreclosure e;fo"the ., amount'due,of Fifty=Three:Thousand.Five Hundred Thirty-Nine and 42/100,.Dollars°.($53,539.42);.plus :. continuing interest at the contract.rate from December 30,2011, late charges;:reasonable attorneys'fees and costs`of foreclosure:and sale of the Premises: TUCKS NSB By: Brett'A. So on,Esquire Pa.I.D.#837.46` 1500 One PPG Place :Pitisburgh,Pennsylvania15222: (412)566-1212 Attorney for PNC Bank,National Association, Plaintiff i I - j i I BANK_FIN:419358-1 000011-153652 IN.THE COURT OF COMMON.PLEAS OF.CUMBERLAND.COUNTY,.PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) . CIVIL;DIVISION Pl - aintiff, )... :... No." vs. ). RAYMOND D FAHNESTOCK ) AND CAROL S.,MCKEE, ) .;. :. .. Defendants: AFFIDAVIT OF NON-MMITARY SERVICE COMMONWEALTH OF PENNSYLVANIA SS:.. :COUNTY.OF ALLEGHENY I,BrettA. Solomon,Attorney for PNC Bank;National Association,being duly sworn according to law,.hereby depose and say'that the Defendants,Raymond D.Fahnestock and Carol S.McKee,are.not members of the..military service of the ITnited States:of America to the best of owledge, information,.and.belief i j B ett A. So mon Attorney for PNC Bank,National Association Sworn to and subscrib efore me v`T c 0 MO1WyEALTH OF PEM(YSYLVA da --Of ►dotartaf sea! NtA Kelly J.MWk;PVots PubUc CftyorP►Ub- ry My Com0Hseiorroh' e9AenY County Member P@ry8y1V&d18 q n38 p 23,2013 May Notary �odatlon or Notaries i �MCommiss' pires: BANK_FTN:419358-1 000011-153652 al'As.ociatibn .Dec,::'.J=:-6, 1999.:: •OWC�Number 1618802 'Ilemin n c ni 4 total Dl parne'd. M ER H RGE. wmd-a, TrRneseebmn OM Mm 150%13 e.MU, rn FCV W'.100 y-ft.. 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'.�'. r��V?tiaA!i��°`i�ra Aa4+�AVAirwArvA, xp„'pu967alagiW!Aa3'mP,ftutri'J'9tx!!•'.L+.W�G:t� . ,D""-'•�.-- :s-�. .� .(•i.n•a.i aniV.aw Y w,r.ktir.eam - R MORTGAGE �v i0{�'a�a-t�f�TACS Numb (Closed-End) 4ORTGAGE is made on Jan• ,�q .Me Mortgagor is RAYMOND D FANNBSTOCK AND CAROL S RCKBS re than one,the word'Mortgagor'herein refers to each and all of them.The Mortgagee is PNC Bank, National A rower means RAYMOND D FAHNESTOCK, CAROL S MCFEE re than one,the word'Borrowee herein refers to each and all of them. is Mortgagee the sum of Eighty Bight Thousand Seven -Hundred Forty And 95/100 88,740.91.This debt is evidenced by Borrower's written obligation(referred to herein as the*Note'),dated Jan. lortgage secures to Mortgagee:(a)the repayment of the debt evidenced by the Note,with interest and other charges as prove tent of all other sums,with interest thereon,advanced hereunder for the payment of taxes,assessments,maintenance charge: d costs incurred to protect the security of this Mortgage;(c)the payment of all of Mortgagee's costs of collection,including costs o law,reasonable attomeys'fees and expenses,if suit is hied or other action is taken to tolled the sums owing or to protect the se i payment of any refinancing,substitution,extension,modification,and/or renewal of any of said indebtedness,interest,charge the performance of Mortgagor's and/or Borrower's covenants and agreements under this Mortgage and the Note;and(0 the repa; :d by any note oragreement which was refinanced by the Note,to the extent that such debt is owed to Mortgagee and has not been 1 tgagor does hereby mortgage,grant and convey to Mortgagee the following described property,together with all improvements now all easements,rights and appurtenances thereon,located at and known as: 4 REAR ST BALTIMORE ST, MT HOLLY SPRINGS, PA 170650017 CUMBERLAND zording Date of Original Deed Dec. 14, 1989 I ad Book: Number H34 Page Number 1155 i x Parcel No: 23.-35-2316-038 rperty'herein shall mean all of the foregoing mortgaged property. •e and to hold the Property unto the Mortgagee,its successors and assigns,forever.Provided,however,that if Mortgagor and/or Bc )gee the said debt,interest,and all other sums,and perform all covenants and agreements secured hereby,then this Mortgage an it shall terminate and become void. ity of Title.Mortgagor warrants and represents to Mortgagee that:(a)Mortgagor is the sole owner of the Property,and has the right he Property,(b)the Property is unencumbered except for encumbrances now recorded;and(c)Mortgagor will defend the title to rims and demands except encumbrances now recorded. ruts.Mortgagor promises and agrees as follows rtgagor will maintain the Property in good order and repair,(b)Mortgagor will comply with all laws respecting the ownership and/c If the Property is part of a condominium or planned unit development,Mortgagor will comply with all by-laws,regulations and re dortgagor will pay and/or perform all obligations under any mortgage,lien,or security agreement which has priority over thi will pay or cause to be paid all taxes and other charges assessed or levied on the Property when due and,upon Mortgagee's request gee receipts showing the payment of such charges;(f)While any part of the debts secured by this Mortgage remain unpaid.Mortgag 1 keep in force property insurance and,if required by federal law,flood insurance on the Property.The property insurance must eov e Property and must be in an amount sufficient to protect Mortgagee's interests:flood insurance must be of the type and in the amot v.Mortgagor agrees to provide Mortgagee evidence of required insurance.All policies must name Mortgagee as a loss payee/secure 1 for at least 10 days written notice to Mortgagee of reduction in coverage or cancellation.Mortgagor gives Mortgagee the right to sign f check or draft from an insurance company and to apply the money to any debt secured by this Mortgage.This is limited to checks i +claim under an insurance policy for loss or damage to the Property or for returnee or rebated premiums on policies insuring tl 3 for fails to keep in force the required insurance and/or fails to provide evidence of such insurance to Mortgagee,Mortgagee may notil x should purchase the required insurance at Mortgagors expense.If Mortgagor fails to purchase the insurance within the time s i r fails to provide evidence of such insurance to Mortgagee,Mortgagee may purchase insurance to protect Mortgagee's interest,It applicable law,and charge Mortgagor the cost of the premiums and any other amounts Mortgagee inc its in purchasing the inst MORTGAGEE PURCHASES WILL BE SIGNIFICANTLY MORE EXPENSIVE AND MAY PROVIDE LESS COVERAGE THAN INSURANCE M 'HASE OTHERWISE Mortgagee may receive reasonable compensation for the services which Mortgagee provides in obtaining a Mortgagors behalf.In certain states,the required insurance may be obtained through a licensed insurance agency affiliated with sill receive a fee for providingthe required insurance.In addition,an affiliate may be responsible for some or all of the underlying inst i eive compensation for assuming such risks.If Mortgagor fails to perform any other duty or obligation required by these Covenants )le option,advance such sums as it deems necessary to protect the Property and/or its rights in the Property under this Mortgage )ay Mortgagee any amounts advanced in accordance with this paragraph,with interest thereon,upon demand;(h)Any interest ter a judgment is entered or on additional sums advanced shall be at the rate provided for in the Note;(i)Mortgagee may make and inspections of the Property after giving Mortgagor prior notice of any such inspection;0)Mortgagor will not sell,transfer own( installment safe contract for the sale of all or any part of the Property;and(k)The promises,agreements and rights in this Mortg: `J and benefit anyone to whom the Property or this Mortgage is transferred.If more than one Mortgagor signs this Mortgage,each anc i 9ividualty and together.The covenants made in this section and Mortgagee's remedies set forth below shall not merge with any judgrr i ction and shall apply until all amounts owed are paid in full. t.Mortgagor will be in default under this Mortgage:(a)if there is a detach under the Note;(b)if Mortgagor breaks any promise r if any Mortgagor dies;(d)if any other creditor tries to take the Property by legal process;(e)if any Mortgagor tiles bankruptcy or it. Y bankruptcy against Mortgagor.(0 If any tax lien or levy is filed or made against any Mortgagor or the Property;(g)if any Mortgagc ement in this Mortgage;or(h)if the Property is destroyed,or seized or condemned by federal,state or local government. rgee's Remedies.Unless prohibited by law,if Mortgagor is in default under this Mortgage,Mortgagee may,at its option,after notice eclare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and owing upon the Note.If M i entire balance due and payable,Mortgagee may lake possession of the Property,collect any and all rents,apply said rents to the it its Mortgage,-foreclose the Mortgage,or take other action upon the Mortgage as permitted or provided bylaw to collect the balance eclosure action or any other action on this Mortgage is filed by Mortgagee,and/or if Mortgagee takes any actiortio protect or entorci including Bankruptcy Court, Mortgagor agrees to pay to Mortgagee all expenses and costs of such action,including,if permit Rorneys'fees to the maximum extent permitted by taw. lies Cumulative.If any circumstance exists which would permit Mortgagee to accelerate the balance.Mortgagee may take such a EXHIBIT vhich such circumstance continues to exist Mortgagee's remedies under this Mortgage shall be cumulative and not alternative. in Enforcement.Mortgagee can delay in enforcing any of its rights under this Mortgage or the Note without losing that right.At any provision of this Mortgage or the Note will not be a waiver of the same or any other provision on arty other occasion. ment.Mortgagee may sell,transfer or assign this Mortgage without Mortgagors consent. 9 Zm 10/961 BoaK 154 FACE .903 erabTty.If RN ge is held to be invalid or unenforceable,such determination shall not affect the validity or e ring provi " he date set forth above,intending to be le al u Mortga or Mortga ACKNOWLEDGMENT PENNSYLVANIAt ) V ) :his Ly day of V.rJ 1A9L—before me, i l � 2n' gr1Pd ofjjcer(who,ce ifies th, a t he/s is of an officer or director of PNC Bank, National Association), person l lhf�D ��� ctorily proven)to be the person(s)whose name(s)is(are)subscribed to the within instrument and acknowledged that he/she. for the purposes therein contained. wtness Whereof,I hereunder set my hand and official seal. i r Signature '.: :. �:::_`i.:••'•i Title .. otariat•Seat — '' AFFIDAVIT OF SUBSCRIBING WITNESS ToMA.Little,Notary Public ML!idly Sprirgs flora Cumberland County �.{Do not u�,�f M9ltgagor(s)acknowledged the Mortgage.Affidavit must betaken i�6Y>�RE9RiIfiCFi $pRlebcgQ00 t� xe tire,a !26 }jc(who certifies that he/she is not an officer or director of Pt �dPf�P dl s R9 N64ryf j_ 1 - , •1�;; ,the subscribing witness to the within Mortgage,who bei to(ai;,depdse9 and says that he/she was personally present at the execution of said Mortgage, saw the within namec and Wher/their act and deed,and deliver said Mortgage for the purposes therein set forth;and that the name of this deponent affi g witness is of deponents own proper handwriting. Subscribing Witness nd subscribed before me this day of 1g Alc CERTIFICATE OF RESIDENCE o herb crt fy that the Mortgagee's precis I L— 7 , O PENNSYLVANIA 1 ) Agent IF SS: )on this ay of 19 ' .in the Office of the Recorder of De y in Mortgage Book Volume ,pag ny hand and the seal of said office t e day and year aforesaid. �`� / Recorder C� 'p v0 o_off co �lf2f7;-, H w n°' _ mom. crow W a Co CD 7 CD n " m CA - D Ln z 9C>_ 0 CD 0-0 JQ CD = ��. H CI M L A �l Z Cr • tv C 3 6009151 PACE aQ4 CD Sent Certified Mail and Regular Mail DATE: April 18, 2011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 any attorney in your area. The local bar association may be able to help you find a lawyer. La notificacion en adjunto es de sums importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notification obtenga una traduccion immediatamente Ilamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. Puedes ser elegible para un prestarno por el programa Ilamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. 1 of 5 EXHIBIT Notice: See the bottom of Page 5 for Important Information C, S Date April 18,2011 Homeowners Name(s) Carol S Mckee Property Address 424 Rear St Baltimore Ave MT Holly Springs„PA 17065 Loan Account Number 40-01-008012252108 Original Lender Current Lender/Servicer PNC Bank HOMEOWNERS' 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.THE MEETING MUST OCCUR WITHIN THE NEXT THIRTY-THREE(33)DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30)days after the date of this meeting. The names,addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Assistance Program. To do so,you must fll out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty(30)days of your fact-to-face meeting. 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." 2of5 YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS.A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE 1S FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:424 Rear St Baltimore Ave MT Holly Springs„ PA 17065. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Payments of Principal and Interest: $18,449.56 Late Charges: $341.76 Escrow Charges: Attorney Fees/Cost: Other Charges(explain/itemize): TOTAL AMOUNT PAST DUE: $18,791.32 B. YOU HAVE FAILED TO THE TAKE THE FOLLOWING ACTION (Do not use if not applicable): TO CURE THE DEFAULT-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $18,791.32, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES 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: PNC Bank, P O BOX 5570, CLEVELAND,OH 44101. You can cure any other default by taking the following action within THIRTY(30)DAYS of the date of this letter. (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. 3 of 5 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 beings legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred, up to$50.00. However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by ping the total amount then past due,plus any late or other charges then dui reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale.. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the tender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank Address: P O BOX 5570 CLEVELAND, OH 44101 Phone Number: 1-866-622-2657 Fax Number: 1-440-546-6789 Contact Person: PNC Bank EFFECT OF SHERIFF'S SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You 0 may or©may not(CHECK ONE)sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 4 of 5 YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.(HOWEVER,YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY See the enclosed document. The separate laws of Connecticut,the District of Columbia,New York City,North Carolina and Vermont each require that their respective residents be furnished with this notice: This is an attempt to collect a debt.Any information obtained will be used for that purpose. This paragraph is a special notice to our customers who have filed a petition for protection under the United States Bankruptcy Code.Unless you have signed a reaffirmation agreement with PNC Bank,and that agreement has been filed with the bankruptcy court(and not subsequently rescinded or disallowed in accordance with the Bankruptcy Code),you should disregard all portions of this letter which state or suggest that you still have a personal liability to pay PNC Bank.You may wish to consult with an attorney regarding this letter,your bankruptcy and the ability of PNC Bank to enforce its lien on the collateral.If you have obtained a discharge under the Bankruptcy Code this letter Is for informational purposes or to protect our Interests in the collateral. 5 Of 5 Sent Certified Mail and Regular Mail DATE: April 18, 2011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the pro-gram 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 Rhone number of Consumer Credit Counseling Agencies serving your Counly 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) 7804869.) 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 any 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 notification obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. Puedes ser elegible para un prestamo par el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el coal puede salvar su casa de la perdida del derecho a redimir su hipoteca. I of 5 Notice: See the bottom of Page 5 for Important Information Date April 18,2011 Homeowners Name(s) Raymond D Fahnestock Property Address 424 Rear St Baltimore Ave MT Holly Springs„PA 17065 Loan Account Number 40-01-008012252108 Original Lender Current Lender/Servicer PNC Bank I HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM i jYOU 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.THE MEETING MUST OCCUR WITHIN THE NEXT THIRTY-THREE(331 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30)days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit 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 Assistance Program. To do so,you must fill out,sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty(30)days of your fact-to-face meeting. 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." 2 of 5 u ¢ •b YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS.A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION,BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT_-The MORTGAGE debt held by the above lender on your property located at: 424 Rear St Baltimore Ave MT Holly Springs„ PA 17065. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Payments of Principal and Interest: $18,449.56 Late Charges: $341.76 Escrow Charges: Attorney Fees/Cost: Other Charges(explain/itemize): TOTAL AMOUNT PAST DUE: $18,791.32 B. YOU HAVE FAILED TO THE TAKE THE FOLLOWING ACTION (Do not use if not applicable): TO CURE THE DEFAULT-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $18,791.32, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES 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: PNC Bank, P O BOX 5570, CLEVELAND,OH 44101. You can cure any other default by taking the following action within THIRTY(30)DAYS of the date of this letter. (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. 3of5 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 beings legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred, up to$50.00. However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period, you will not be required to pav attorney's fees. I i OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: PNC Bank Address: P O BOX 5570 CLEVELAND, OH 44101 Phone Number: 1-866-622-2657 Fax Number. 1-440-546-6789 Contact Person: PNC Bank EFFECT OF SHERIFF'S SALE-You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You ❑ may or©may not(CHECK ONE)sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 4 of 5 . n YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.(HOWEVER,YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY See the enclosed document. The separate laws of Connecticut,the District of Columbia,New York City,North Carolina and Vermont each require that their respective residents be furnished with this notice: This is an attempt to collect a debt.Any information obtained will be used for that purpose. This paragraph is a special notice to our customers who have filed a petition for protection under the United States Bankruptcy Code.Unless you have signed a reaffirmation agreement with PNC Bank,and that agreement has been filed with the bankruptcy court(and not subsequently rescinded or disallowed in accordance with the Bankruptcy Code),you should disregard all portions of this letter which state or suggest that you still have a personal liability to pay PNC Bank.You may wish to consult with an attorney regarding this letter,your bankruptcy and the ability of PNC Bank to enforce its lien on the collateral.If you have obtained a discharge under the Bankruptcy Code this letter is for informational purposes or to protect our interests in the collateral. 5 of 5 VERIFICATION I,Victoria M.Hunter,as a Loan Support specialist of PNC Bank,National Association, within:named,do hereby verify that I am'authorized to and do`make this yerificatiori on behalf of the I'lauiti ff,.and that the facts set forth in the foregoing Corriplaint in Mortgage Foreclosure are true and correct to the best of my inforiiiatibn and belief. I understand that the false statements therein are made subject to the penalties of 18 Pa .C.S §.4904 relating to unsworn falsification to authorities. . Date. B Victoria M..Hunter Title: Loan'Support specialist BANK_FINA 19358-1 000011-153652 Charles.l.Hartwell.Esquire h r PRO riro r t- ID# 52655 �`} f1 f Dethlefs-Pykosh Law Group.LLC e�3�1��1� �� ��� 2132 Market Street 1: 59 Camp Hill.Pennsylvania 17011 CUMBERLAND �reiephone—(717)975-9446 PEt�,�dS YLYA,�}Ip,�TY Fax—(717)975-2309 chart,vell<,dplalaw.com Attorney for Defendants PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action—Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants TO: PNC BANK, NA You are hereby notified to file a written response to the enclosed Answer and New Matter within twenty (20) days froth service hereof or a judgment may be entered against you. Date: _ Z r)c---- Charles J. Hartwell, Esquire I.D. # 52655 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Fax (717) 975-2309 EXHIBIT Z Charles.I. Hartwell.Esquire ID#53655 Dethlels-Pykosh La%\ Group.LLC 3133 Market Street Camp Hill. Pennsylvania 17011 l'elephone—(717)975-9446 Fax—(717)975-2309 rhartaell ii dplela •com Attorney for Defendant Raymond D.Pahnestock PNC BANK, NA COURT OF COMMON PLEAS i Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA i No: 12-331 Civil j Civil Action—Law i RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants ANSWER AND NEW MATTER AND NOW, comes, Raymond D. Fahnestock,(Answering Defendant) by and through his attorneys Dethlefs-Pykosh Law Group, LLC,by Charles J. Hartwell, Esquire, who answers the Plaintiff's Complaint,and avers as follows: 1. Admitted. 2. Admitted in part and denied in part. It is admitted that Answering Defendant resides i at the address indicated in the caption of the complaint. Defendant Carol S. McKee no longer resides at the subject property. 3. Admitted. 4. Admitted. 5. Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer,the alleged documents speak for themeselves. 6. Admitted. 7. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph, and the same is therefore denied 8. Denied. The averments of the corresponding paragraph constitute conclusions of law to which no response is required. By way of further answer,the notice provided by Plaintiff was legally insufficient, precluding the instant action. 9. Denied. After reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph,and the I same is therefore denied. 10. Denied. After-reasonable investigation Answering Defendant is without knowledge or information sufficient to form a belief as the truth of the averments of this paragraph, and the same is therefore denied. WHEREFORE, the answering Defendant respectfully requests that Plaintiff's Complaint be dismissed with prejudice. r I j NEW MATTER I 11. The averments of paragraphs l through 10 are incorporated herein by reference as ' though set forth at Length. 12. The Act 91 notice provided by Plaintiff was deficient in that it did not notify Defendants that they had thirty(30) days to have a face-to-face meeting with Plaintiff. 35 P.S. §1680.403c. 13. Accordingly, the Court lacks subject matter jurisdiction to entertain the instant i jmortgage foreclosure proceeding. ' See. Ben,.1ii Consumes-Disc. Co. v. Vitknxnn.2012 PA Super 18(Pa.Super.Ct.2012) — I r WHEREFORE,the answering Defendant respectfully requests that Plaintiffs Complaint be dismissed. Respectfully Submitted, Date: Zv —( L— rChares J. Hartwell, Esquire I.D. # 52655 2132 Market Street Camp Hill, Pennsylvania 17011 (717)975-9446 Fax (717) 975-2309 I I 1 i I PNC BANK, NA COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil Civil Action—Law RAYMOND D. FAHNESTOCK and CAROL S. McKEE MORTGAGE FORECLOSURE Defendants . VERIFICATION I, Raymond D. Fahnestock, hereby verify that the statements of fact made in the foregoing documents are true and correct to the best of my personal knowledge, information and belief. I understand that any false statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Date: �'o��" �G�� ay and ah estock I i i PNC BANK, NA COURT OF COMMON PLEAS Plaintiff j CUMBERLAND COUNTY V. PENNSYLVANIA No: 12-331 Civil RAYMOND D. FAHNESTOCK and Civil Action —Law CAROL S. McKEE MORTGAGE FORECLOSURE Defendants CERTIFICATE OF SERVICE 1 hereby certify that a copy of the Answering Defendant, Raymond D. FalulestocVs, Answer and New Matter to Plaintiffs Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Brett A. Solomon, Esquire TUCKER ARENSBERG, P.C. 1500 One PPG Place Pittsburgh, PA 15222 Respectfully Submitted, Date: "26T- � Charles J. Hartwell, Esquire I.D. #52655 2132 Market Street Camp Hill, Pennsylvania 17011 Attorney for Defendant Raymond D. Fahnestock Y! IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil VS. RAYMOND D.FAHNESTOCK AND CAROL S.MCKEE, Defendants. AFFIDAVIT PURSUANT TO PA.R.C.P. 1035.4 AND 76 IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT Jennifer M. Ressler -hereby states: 1. I am a Loan Support Specialist H of PNC Bank, National Association ("PNC Bank"), with offices at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. 2. PNC Bank is the mortgagee with respect to a certain Mortgage ("Mortgage") dated January 6, 1999 between Raymond D. Fahnestock and Carol S. McKee as mortgagors ("Mortgagors") and PNC Bank, National Association, as mortgagee ("Mortgagee"), which mortgage was recorded on January 25, 1999 with the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Mortgage Book Volume 1514, page 903. A true and correct copy of said mortgage is attached hereto and made part hereof, as Exhibit "A." The mortgage secures a certain promissory note in the principal sum of$88,740.95 (the "Note"), a true and correct copy of which is attached hereto and made part hereof,as Exhibit"B." 3. In the regular performance of my job functions, I am familiar with business records maintained by PNC Bank for the purpose of servicing mortgage loans. These records (which include data compilations, electronically imaged documents, and others) are made or received and retained at or near the time by, or from information provided by, persons with knowledge of the activity and transactions reflected in such records, and are made and kept in the course of business activity regularly conducted by PNC Bank. In connection with making this affidavit, I have personally examined the business records relating to the account that forms the basis of the instant foreclosure action. 4. A true and correct copy of the payment history on the applicable account is attached hereto and made part hereof, as Exhibit"C." 1EXII!BIT BANK-FIN:431039-1 000011-153652 2 5. The amounts due on the Mortgage are as follows: Principal................ $42,679.30 Interest through April 25, 2013.....................................................$13,260.81 (continuing thereafter at$9.3426 per diem) LateCharges.............................................................................. $1,367.04 Bank Costs......... . . ............................................ •••••..... 592.70 Costs.................................................... ......to be added ................................ Attorneys'Fees........................................................................... $1,015.00 SubTotal ................................................................................. $58,914.85 Insurance Credit............. • . .............. 33.76 TOTAL......................................................................................$58,881.09 6. No payment due under the Note and Mortgage for the month of June 2009 or thereafter has been received,and Mortgagors have failed to satisfy all arrearages and reinstate their account to a current status. 7. The Note and Mortgage have not been assigned,released or transferred. The foregoing facts are true based upon my personal knowledge. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. PNC BANK,NATIONAL ASSOCIATION By: Name: J nni inn Ressler Title: L Suort Specialist II [THE REMAINDER OF THIS PAGE HAS BEEN INTENTIONALLY LEFT BLANK] BANK_FIN:43.1039-1 000011-153652 3 A/w MORTGAGE �v —�01 -7 S a'f�ENACS Numb (Closed-End) 40RTGAGE is made on Jan. ,E9 .$1%Mortgagor is RAYHOND D FANNESTOCK AND CAROL S RCKJJ re than one,the word"Mortgagor'herein refers to each and all of them.The Mortgagee is PNC Bank, National A rower means RAYMOND D FAHNESTOCR, CAROL S MCREE re than one,the word'Borrower herein refers to each and all of them. !s Mortgagee the sum of Eighty Right Thousand Seven 'Hundred Forty And 95/100 88,740.95.This debt is evidenced by Borrowers written obligation(referred to herein as the'Note'),dated Jan. lortgage secures to Mortgagee:(a)the repayment of the debt evidenced by the Note,with interest and other charges as prod rent of all other sums,with interest thereon,advanced hereunder for the payment of taxes,assessments,maintenance charge: d costs incurred to protect the security of this Mortgage;(c)the payment of all of Mortgagee's costs of collection,including costs a law,reasonable attorneys'fees and expenses,if suit is filed or other action is taken to collect the sums owing or to protect the se, i payment of any refinancing,substitution,extension,modification,and/or renewal of any of said indebtedness,interest,charge the performance of Mortgagor's and/or Borrower's covenants and agreements under this Mortgage and the Note;and(f)the reps: :d by arty note or agreement which was refinanced by the Note,to the extent that such debt is owed to Mortgagee and has hot been I tgagor does hereby mortgage,grant and convey to Mortgagee the following described property,together with all improvements now iall easements,rights and appurtenances thereon,located at and known as: 4 REAR ST BALTIMORE ST, MT HOLLY SPRINGS, PA 170650017 CUMBERLAND zording Date of Original Deed Dec. 14, 1989 .d Book Number H34 Page Number 1155 It Parcel No: .23:35-2316-038 IA:, .f p )perty'herein shall mean all of the foregoing mortgaged property. e and to hold the Property unto the Mortgagee,its successors and assigns,forever.Provided,however,that if tvtongagor and/or Bc )gee the said debt,interest,and all other sums,and perform all covenants and agreements secured hereby,then this Mortgage an it shall terminate and become void. lty of Title.Mortgagor warrants and represents to Mortgagee that:(a)Mortgagor is the sole owner of the Property,and has the right he Property;(b)the Property is unencumbered except for encumbrances now recorded;and(c)Mortgagor will defend the title to iims and demands except encumbrances now recorded. lnts.Mortgagor promises and agrees as follows: rtgagor will maintain the Property in good order and repair,(b)Mortgagor will comply with all laws respecting the ownership and/c If the Property is part of a condominium or planned unit development,Mortgagor will comply with all by-laws,reputations and re A0 gagor will pay and/or perform all obligations under any mortgage,Lien,or security agreement which has priority over thi wiq pay or cause to be paid all taxes and other charges assessed or levied on the Property when due and,upon Mortgagee's request gee receipts showing the payment of such charges;(Q While any part d the debts secured by this Mortgage remain unpaid.Mortgag I keep in force pro perty insurance and,i}required by federal law,flood insurance on the Property.The property insurance must cov e Property and must be in an amount sufficient to protect Mortgagee's interests;flood insurance must be of the type and in the amot V Mortgagor agrees to provide Mortgagee evidence o}required insurance.All policies must name Mortgagee as a loss payee/securt for at least 10 days written notice to Mortgagee of reduction in coverage or cancellation.Mortgagor gives Mortgagee the right to sign j check or draft from an insurance company and to apply the money to any debt secured by this Mortgage.This is limited to checks< r claim under an insurance policy for loss or damage to the Property or for retumea or rebated premiums on policies insuring If for fails to keep in force the required insurance and/or fails to provide evidence of such insurance to Mortgagee,Mortgagee may nntil or should purchase the required insurance at Mortgagors expense.If Mortgagor fails to purchase the insurance within the time s r fails to provide evidence of such insurance to Mortgagee,Mortgagee may purchase insurance to protect Mortgagee's interest,b I applicable law,and charge Mortgagor the cost of the premiums and any other amounts Mortgagee inc its in purchasing the insc MORTGAGEE PURCHASES WiLL BE SIGNIFICANTLY MORE EXPENSIVE AND MAY PROVIDE LESS COVERAGE THAN INSURANCE M 'RASE OTHERWISE Mortgagee may receive reasonable compensation for the services which Mortgagee provides in obtaining a Mortgagors behalf.In certain states,the required insurance may be obtained through a licensed insurance agency affiliated with will receive a fee for providing the required insurance.in addition,an affiliate may be responsible for some or all of the underlying inst eive compensation for assuming such risks.If Mortgagor fails to perform any other duty or obligation required by these Covenants Ae option,advance such sums as it deems necessary to prated the Property and/or its rights in the Property under this Mortgage )ay Mortgagee any amounts advanced in accordance with this paragraph,with interest thereon,upon demand;(h)Any interest ter a judgment is entered or on additional sums advanced shall be at the rate provided for in the Note;(i)Mortgagee may make and inspections of the Property after giving Mortgagor prior notice of any such inspection;(j)Mortgagor will not sell,transfer ow+nr installment safe contract for the sale of all or any part of the Property;and(k)The promises•agreements and rights in this Mortg and benefit anyone to whom the Property or this Mortgage is transferred.If more than one Mortgagor signs this Mortgage,each ant dividualty and together.The covenants made in this section and Mortgagee's remedies set forth below shall not merge with any judgrr i ction and shall apply until all amounts owed are paid in full. + I.Mortgagor will be in default under this Mortgage:(a)if there is a default under the Note;(b)if Mortgagor breaks any promise r. I( +if any Mortgagor dies, if any other creditor tries to take the Property by legal process;(e)if any Mortgagor files bankruptcy or it. y bankruptcy against Mortgagor,(Q if any tax lien or levy is filed or made against any Mortgagor or the Property;(g)if any Mortgagc ement in this Mortgage;or(h)if the Property is destroyed,or seized or condemned by federal,state or local government. igee's Remedies.Unless prohibited by law,if Mortgagor is in default under this Mortgage,Mortgagee may,at its option,after notice eclare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and owing upon the Note.If M i entire balance due and payable,Mortgagee may take possession of the Property,collect any and all rents,apply said rents to the it its Mortgage,.foreclose the Mortgage,or take other action upon the Mortgage as permitted or provided by-law to collect the balance eclosure action or any other action on this Mortgage is filed by Mortgagee,and/or if Mortgagee takes any action to protect or enforcr .including Bankruptcy Court, Mortgagor agrees to pay to Mortgagee all expenses and costs of such action,including,if permit + ttorneys'fee*tp the maximum extent permitted by law. EXHIBIT lies CumutaNve If any circumstance exists which would permit Mortgagee to accelerate the balance,Mortgagee may take such a vhich such circumstance continues to exist Mortgagees remedies under this Mortgage shall be cumulative and not alternative. in Enforcement. Mortgagee can delay in enforcing any of its rights under this Mortgage or the Note without losing that right.At any provision of this Mortgage or the Note will not be a waiver of the same or any other provision on any other occasion. +ment.Mortgagee may sell,transfer or assign this Mortgage without Mortgagors consent. tev.10/96) -• BOOK15-14FAGE .9'" erability.If vision of this Mortgage is held to be invalid or unenforceable,such determination shall +ing provi ns s o not affect the validity or+ 'o ' Mrtgage. si ng #his Mortgage on the date set forth above,intending to be le al u Mortga Mortga ACKNOWLEDGMENT PENNSYLVANIA ) G,-�&rj ) SS: )F t } ;his l.Y- day of l►A AS-before me. 'sig d of�c�r(wh cer�dies t t he/s a is Lt an officr e or director of PNC Bank, National Association), person ,t 6 C m n V A.- ctorily proven)to be the person(s)whose name(s)Is(are)subscribed to the within instrument and acknowledged that he/she, for the purposes therein contained. ,+fitness Whereof,i hereunder set my hand and official seal. Signature�����_ Title AFFIDAVIT OF SUBSCRIBING WITNESS Tg iA.U Pubes '&per�Coumy . ,.{DC riot uk 3f Mti'ttgagar(s)acknowledged the Mortgage.Affidavit must betaken i�'B'da4t +til ti are rue,a#.0iii6 jzgblk(who certifies that he/she is not an officer or director of PI �P�P�S)9Yd}u+s 4 IP>Rpf the subscribing witness to the within Mortgage,who bei to taw,deposes and says that he/she was personally present at the execution of said Mortgage, saw the within names and Ether/their act and deed,and deliver said Mortgage for the purposes therein set forth;and that the name of this deponent affil g witness is of deponents own proper handwriting. Subscribing Witness nd subscribed before me this day of tq Aic CERTIFICATE OF RESIDENCE °---- o here b sally that the Mortgagee's precis Ci - / PENNSYLVANIA } Agent IF <MX►, )SS: ) on#his ay of #9� ' .in the Office of the Recorder of De y,in Mortgage Book Volume 1U pag ,+ 'ny hand and the seal of said office t e day and year aforesaid. .lf�� Recorder {rj :RN00^D co i dh}Z r)i',� y W c � o m 'Q ;o 3' c r-;;c Coo Z c o :r• 09 tI in n " tD _ = W C 5i ? JT /a _ m 0 3 BOOK15i PACE 404 m . a ' tederi.' FHC 85mk;.Aatiana'.l'AssociaLibn �.p.c;,`.1an:'tS� 1499:. - ' . .. .'OLRAC$Number 161QRd2 . 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N0 04. e;befng;siked•tog 1 Nu,dtvY�,bin� fbDl Lt}'�7(' d Iflh�la wu do nVp Jth Ii bl r��rdl7nY to Y; $tso a royRaiY yay�Ti V"b t Tom bd,Lt6 ioo and to ACe�r thss ssP bill ' }'4 ms IsPT Eo par uprld rht 7 II mbbnl or W d bt u�lae B doetaio'i L g,�dll r n. MtOr }s rhms r n P. D J.�'o r ti ba<Jr p J fstef�A- -b �� `ru I,b9.epls s<e IScYr Igfe d'br!pm j IN �rrrsi i�;ne ioy wi n I�m[n a nq,.ati Tb f,tce"u�,Esi;,"ro'°;me'3'�: ts• msyb,ds_R mint'- Tbat n be d ng m-fb46 z.ttrgt b s e rd t Ia Rqb d Ai i Srao dd Wt'u a.7ee1 14 E arJ t+E e'gpertdYyoRE d(r e5L d -(r 7_ 1So�a xl r 1 S y' > y s< :s�,>brrou6sD..aTe �+;,� Ft'w ti `Qt a T P;Q,y .✓*�••ae ...d•-, �' ;���•s�w a_r7t,'1?k� I PNCB CON HISTORY CARD REPORT 1 PNC CONSUMER LENDING, BEL BALRS0566 00040 PAGE 97 80 LOAN NUM 40 PNC BAN NATIONAL ASSOCI DATE 6/15/2011 NUMBER AS OF 8/15/2D11 BANK A.°P a + + • + • T R A N S LOAN NUM TYP ST SHORT CURRENT EFFECT A C T I O N H I S T O R Y + + FEET POST R . . NAME CODE REF TRANSACTION BALANCE DATE DATE NUM CODE AMOUNT HISTORY 40 1 DESCRIPTION 8012252106 41 0 FAHNESTO R 88,740.95 01/11/99 01112/99 32000 88,790.95 LOAN ESTABLISHED 01/20/99 01/20/99 37510 0.00 COLATERAL PRIMARY REC CHG 01/20/99 01/20/99 37515 0.00 COLATERAL DESCRIPTION C 02/16/99 02116/99 37510 HG 0.00 COLATERAL PRIMARY REC CHG 88,740.95 03/05/99 03/05/99 93800 1,209.70 ACCRUAL - DAILY SWEEP JCL 43840 160.72 INSURANCE PREM ASSESSED _........._._........_.........._.__........... .... ... ..... .. _.........._....-._......_..................... .41810 1,048.98 FINANCE CHARGE .45800..._.....__......_...._..._ fl'00--SCHETUL-W-51-LING-DATE- 88,740.95 03/22199 03/22/99 64000 854.59 TEL-PMT; 00000 - 01710 88,740.95 03/22/99 03122/99 93800 854.59 PAYMENT INTEREST 310.82 ACCRUAL - ACTIVITY 88,790.45 09/05199 04105/99 93800 310.82 FINANCE CHARGE 371.39 ACCRUAL - DAILY SWEEP JCL 43840 41810 291.38 FINANCE CHARGE 80.01 INSURANCE PREM ASSESSED 04/05/99 04/05199 95800 0.00 SCHEDULED BILLING DATE B8,740.95 04/26/99 04/26/99 64000 854.59 TEL-PMT; 00000 - 01711 88,740.95 04126/99 04/26/99 93800 854.59 PAYMENT INTEREST 388.52 ACCRUAL - ACTIVITY 88,740.95 05/05/99 05/05/99 93800 388.52 FINANCE CHARGE 274.02 ACCRUAL - DAILY SWEEP JCL 43840 79.77 INSURANCE PREM ASSESSED 41810 194_25 FINANCE CHARGE 05/05/99.05/05/99 95800 0.00 SCHEDULED BILLING DATE 88,740.95 05/25/99 05/25/99 69000 854.59 TEL-PMT; 00000 - 01711 86,790.95 05/25/99 05125/99 93800 854.59 PAYMENT INTEREST 369.09 ACCRUAL - ACTIVITY 88,740.95 06/09/99 06/04/99 93800 369.09 FINANCE CHARGE 293.22 ACCRUAL - DAILY SWEEP JCL 43840 79.54 INSURANCE PREM ASSESSED 41810 213.68 FINANCE CHARGE 06/04/99 06/04/99 958D0 06/21/99 06/21/99 33906 0.00 SCHEDULED BILLING DATE 0.00 RISK SCORE 88,488.98 06/23199 06/23/99 69000 QTR CH SCR 854.59 TEL-PMT; 00000 - 01710 64810 602.62 PAYMENT INTEREST 88,790.95 06/23/99 06/23/99 93800. 251.97 PAYMENT PRINCIPAL 349.67 ACCRUAL - ACTIVITY 88,488.98 07/02/99 07/02/99 93800 349-67 FINANCE CHARGE 273.00 ACCRUAL - DAILY SWEEP EXHIBIT I PNCBANK CORP ' 1 PNC.CONSUMER LENDING, BEL HISTORY CARD REPORT 40 PNC BANK, NATIONAL ASSOCI RALRS0566 00040 PAGE 98 80 LOAN NUMBER DATE 8/15/2011 AS OF 8/15/2011 BANK APP + + a a + + + a a T R A N S A C T 1 0 N H I S T O R Y + + a a r a a LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAM -NAME BALANCE DATE DATE NUM CODE TRANSACTION HISTORY - AMOUNT DESCRIPTION JCL 43840 79.30 INSURANCE PREM ASSESSED 41810 193.70 FINANCE CHARGE 07/02/99 07/02/99 95800 0.00 SCHEDULED BILLING DATE 88,331.73 07/29/99 07/29/99 64000 854.59 TEL-PMT; 00000 - 01710 64810 697.34 PAYMENT INTEREST 64820 157.25 PAYMENT PRINCIPAL 88,488.98 07/29/99 07/29/99 93800 582.69 ACCRUAL - ACTIVITY JCL 43840 79.05 INSURANCE PREM ASSESSED 88,331.73 08/05/99 08/05/99 93800 503.64 FINANCE CHARGE 154.69 ACCRUAL - DAILY SWEEP 41810 154.69 FINANCE CHARGE 08/05/99 08/05/99 95800 0.00 SCHEDULED BILLING DATE 88,095.89 08/30/99 08/30/99 64000 659.59 TEL-PMT; 00000 - 01711 64810 618.75 PAYMENT INTEREST 64820 235.84 PAYMENT PRINCIPAL 88,331.73 08/30/99 08/30/99 93800 542.88 ACCRUAL - ACTIVITY JCL 43840 78.82 INSURANCE PREM ASSESSED 88,095.89 09/03/99 09/03/99 93800 464.06 FINANCE CHARGE 96.43 ACCRUAL - DAILY SWEEP 41810 96.43 FINANCE CHARGE 09/03/99 09/03/99 95800 0.00 SCHEDULED BILLING DATE 87,511.29 09/13/99 09/13/99 64000 854.59 TEL-PMT; 00000 - 01710 64810 269.99 PAYMENT INTEREST 88,095.89 09/13/99 09/13/99 93800 584.60 PAYMENT PRINCIPAL 173.56 ACCRUAL - ACTIVITY 41810 173.56 FINANCE CHARGE 09/20/99 09/20/99 33906 0.00 RISK SCORE QTR CB SCR 87,511.29 10/05/99 10/05/99 93800 519.17 ACCRUAL - DAILY SWEEP JCL 43840 78.57 INSURANCE PREM ASSESSED 41810 440.60 FINANCE CHARGE 10/05/99 10/05/99 95800 0 87,327.18 10/18/99 10/16/99 .00 SCHEDULED BILLING DATE 64000 854.59 TEL-PMT; 00000 - 01711 64810 670.48 PAYMENT INTEREST 64820 184.11 PAYMENT PRINCIPAL 87,511.29 10/18/99 10/18/99 93800 229.88 ACCRUAL - ACTIVITY 41810 229.88 FINANCE CHARGE 86,778.45 11/03/99 11/03/99 64000 854.59 TEL-PMT; 00000 - 01711 64810 305.86 PAYMENT INTEREST 64820 548.73 PAYMENT PRINCIPAL 1 PdCBANK CORP _ 1 PNC.GONSUMER LENDING, BEL HISTORY CARD REPORT 40 PNC BANK, NATIONAL ASSOC, �ALRS0566 OOD90 PAGE 99 80 LOAN NUMBER DATE 8/15/2011 AS OF 8/15/2011 BANK APP T R A N S A C T I O N H I S T O R Y LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAM I * { NAME BALANCE DATE TRANSACTION HISTORY DATE NUM CODE AMOUNT DESCRIPTION 87,327.18 11/03/99 11/03/99 93800 384.18 ACCRUAL - ACTIVITY JCL 43840 78.32 INSURANCE PREM ASSESSED 86,778.95 11/05/99 11/05/99 93800 305.86 FINANCE CHARGE 56.98 ACCRUAL - DAILY SWEEP 86,778.45 12/03/99 12/03/99 93800 56.98 FINANCE CHARGE 609.98 ACCRUAL - DAILY SWEEP JCL 43840 78.08 INSURANCE PREM ASSESSED 41810 531.90 FINANCE CHARGE 12/03/99 12/03/99 95800 12/20/99 12/20/99 33906 0.00 SCHEDULED BILLING DATE 86,778.45 12/20/99 12/20/99 64000 0.00 RISK SCORE CB SCR 859.59 TEL-PMT; 00000 000 - 01711 86,778.45 12/20/99 12/20/99 93800 854.59 PAYMENT INTEREST 303.93 ACCRUAL - ACTIVITY 86,778.45 01/05/00 01/05/00 93800 303.93 FINANCE CHARGE 900.51 ACCRUAL - DAILY SWEEP JCL 43840 77.83 INSURANCE PREM ASSESSED 0 41810 .322.68 FINANCE CHARGE O1/OS/00 1/ 95800 0.00 SCHEDULED BILLING DATE 86,512.09 O1/16/00 01/119/00 8/00 64000 .859.59 TEL-PMT; 00000 - 01711 64610 588.23 PAYMENT INTEREST 86,778.95 01/18/00 01/18/00 93800 266.36 PAYMENT PRINCIPAL 227.33 ACCRUAL - ACTIVITY 86,512.09 02/09/00 02/04/00 93800 227.33 FINANCE CHARGE 917.53 ACCRUAL - DAILY SWEEP JCL 43840 77.58 INSURANCE PREM ASSESSED 41810 339.95 FINANCE CHARGE 02/04/00 02/04/00 95800 0.00 SCHEDULED BILLING DATE 86,337.40 02/23/00 02/23/00 64000 854.59 TEL-PMT; 00000 - 01711 64810 679.90 PAYMENT INTEREST 86,512.09 02/23/00 02/23/00 93800 174.69 PAYMENT PRINCIPAL 939.95 ACCRUAL - ACTIVITY 86,337.90 03/03/00 03/03/00 93800 339.95 FINANCE CHARGE 265.81 ACCRUAL - DAILY SWEEP JCL 43840 77.33 INSURANCE PREM ASSESSED 41810 188.48 FINANCE CHARGE 03/03/00 03/03/00 95800 0.00 SCHEDULED BILLING DATE 03/20/00 03/20/00 33906 0.00 RISK SCORE QTR CB SCR 85,972.85 03/20/00 03/20/00 64000 859.59 TEL-PMT; OOODO - 01711 64810 490.04 PAYMENT INTEREST l I PNCBANK CORP • 1 PN6 CONSUMER LENDING, BEL HISTORY CARD REPORT VALRS0566 00040 ,40 PNC BANK, NATIONAL ASSOC, PAGE 100 80 LOAN NUMBER DATE 8/15/2011 AS OF 8/15/2011 BANK APP LOAN NUM TYP ST SHORT • + + + + + + + + + T R A N S A C T I 0 N H I S T O R Y + + CURRENT EFFECT POST REF TRAN TRANSACTION + • + + + NAME BALANCE DATE DATE NUM CODE HISTORY AMOUNT DESCRIPTION 86,337.40 03/20/00 03/20/00 93800 364.55 PAYMENT PRINCIPAL 301.56 ACCRUAL - ACTIVITY 85,972.85 09/05/00 09/05/00 41810 301.56 FINANCE CHARGE 93800 396.14 ACCRUAL - DAILY SWEEP JCL 43840 77.07 INSURANCE PREM ASSESSED 41810 319.07 FINANCE CHARGE 04/05/00 04/05/00 95800 0.00 SCHEDULED BILLING DATE 85,972.85 05/05/00 05/05/00 61830 85,972.85 05/05/00 x5/05/00 93800 639.87 39.87 LATE CHARGE ASSESSED ACCRUAL - DAILY SWEEP JCL 43840 76.82 INSURANCE PREM ASSESSED 41810 563.05 FINANCE CHARGE 05/05/00 05/05/00 95800 0.00 SCHEDULED BILLING' DATE 85,972.85 05/08/00 05/08/00 69000 859.59 TEL-PMT; 00000 - 0173.1 85,972.85 05/08/00 05/08/00 64810 859.59 PAYMENT INTEREST 93800 37.53 ACCRUAL - ACTIVITY 85,545.10 05/25/00 05/25/00 69000 37.53 FINANCE CHARGE 854.59 TEL-PMT; 00000 - 01711 64810 384.12 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 85,972.85 05/25/00 05/25/00 93800 427.75 PAYMENT PRINCIPAL 319.06 ACCRUAL - ACTIVITY 85,545.10 06/05/00 06/05/00 93800 319.06 FINANCE CHARGE 300.66 ACCRUAL - DAILY SWEEP JCL 43840 76.56 INSURANCE PREM ASSESSED 41810 224.10 FINANCE CHARGE 06/05/00 06/05/00 95800 0.00 SCHEDULED BILLING DATE 85,101.36 06/16/00 06/16/00 64000 854.59 17113 00068 TEL 64810 410.85 PAYMENT INTEREST 85,595.10 06/16/00 06116/00 93800 443.74 PAYMENT PRINCIPAL 186.75 ACCRUAL - ACTIVITY 41810 186.75 FINANCE CHARGE 06/19/00 06/19/00 33906 0.00 RISK SCORE QTR CB SCR 85,101.36 07/05/00 07/05/00 93800 447.87 ACCRUAL - DAILY SWEEP JCL 43840 76.30 INSURANCE PREM ASSESSED 41810 371.57 FINANCE CHARGE 07/05/00 07/05/00 95800 0.00 SCHEDULED BILLING DATE 07/10/00 07/10/00 33906 0.00 RISK SCORE QTR CB SCR 84,897.01 07/21/00 07/21/00 64000 854.59 17113 00094 TEL 64810 650.24 PAYMENT INTEREST I PlcaANK CORP HISTORY CARD REPORT #ALRS0566 00040 . 1 PNC CONSUMER LENDING, BEL PAGE 101 40 PNC'BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 BANK APP T R A N S A C T I O N H I S T O R Y + + + + + + + LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64820 204.35 PAYMENT PRINCIPAL 85,101.36 07/21/00 07/21/00 93800 278.67 ACCRUAL - ACTIVITY 41810 •278.67 FINANCE CHARGE 84,897.01 08/04/00 08/04/00 93800 354.04 ACCRUAL - DAILY SWEEP JCL 43840 76.04 INSURANCE PREM ASSESSED 41810 278.00 FINANCE CHARGE 08/04/00 08/04/00 95800 0.00 SCHEDULED BILLING DATE 84,487.22 08/14/00 08/14/00 64000 854.59 17112 00212 TEL 64810 444.80 PAYMENT INTEREST 64820 409.79 PAYMENT PRINCIPAL 84,897.01 06/14/00 08/14/00 93800 166.80 ACCRUAL - ACTIVITY 41810 166.80 FINANCE CHARGE 84,487.22 09/05/00 09/05/00 93800 499.99 ACCRUAL - DAILY SWEEP JCL 43840 75.78 INSURANCE PREM ASSESSED 41810 424.21 FINANCE CHARGE 09/05/00 09/05/00 95800 0.00 SCHEDULED BILLING DATE 09/25/00 09/25/00 33906 0.00 RISK SCORE QTR CB SCR 84,407.28 09/25/00 09/25/00 64000 854.59 17112 00122 TEL 64810 774.65 PAYMENT INTEREST 64820 79.94 PAYMENT PRINCIPAL 84,487.22 09/25/00 09/25/00 93800 350.44 ACCRUAL - ACTIVITY 41810 350.44 FINANCE CHARGE 84,407.28 10/05/00 10/05/00 93800 278.21 ACCRUAL - DAILY SWEEP JCL 43840 75.52 INSURANCE PREM ASSESSED 41810 202.69 FINANCE CHARGE 10/05/00 10/05/00 95800 0.00 SCHEDULED BILLING DATE 10/12/00 10/12/00 35515 0.00 A0194-USR-ARA 10/12/00 10/12/00 35577 0.00 PAYOFF QUOTE 84,197.62 10/30/00 10/30/00 64000 854.59 17112 00132 TEL 64810 644.93 PAYMENT INTEREST 64820 209.66 PAYMENT PRINCIPAL 84,407.28 10/30/00 10/30/00 93800 517.49 ACCRUAL - ACTIVITY JCL 43840 75.25 INSURANCE PREM ASSESSED 41810 442.24 FINANCE CHARGE 84,197.62 11/03/00 11/03/00 93800 91.91 ACCRUAL - DAILY SWEEP 41810 91.91 FINANCE CHARGE 11/03/00 11/03/00 95800 0.00 SCHEDULED BILLING DATE 83,857.69 11/27/00 11/27/00 64000 854.59 17112 00301 TEL 64810 514.66 PAYMENT INTEREST I PMCBANK CORP HISTORY CARD REPORT IALRS0566 00040 1 PNC,�ONSUMER LENDING, BEL PAGE 102 40 PNC BANK, NATIONAL ASSOCZ DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 BANK App + + • ` + + + + T R A N S A C T I O N H I S T O R Y + • + + + + LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64820 339.93 PAYMENT PRINCIPAL 84,197.62 11/27/00 11/27/00 93800 497.73 ACCRUAL - ACTIVITY JCL 43840 74.98 INSURANCE PREM ASSESSED 41810 422.75 FINANCE CHARGE 83,857.69 12/05/00 12/05/00 93800 164.76 ACCRUAL - DAILY SWEEP 41810 164.76 FINANCE CHARGE 12/05/00 12/05/00 95800 0.00 SCHEDULED BILLING DATE 83,387.54 12/18/00 12/18/00 64000 854.59 17111 00031 TEL 64810 384.44 PAYMENT INTEREST 64820 470.15 PAYMENT PRINCIPAL 83,857.69 12/18/00 12/18/00 93800 219.68 ACCRUAL - ACTIVITY 41810 219.68 FINANCE CHARGE 12/26/00 12/26/00 33906 0.00 RISK SCORE QTR CB SCR 83,387.54 01/05/01 01/05/01 93800 420.84 ACCRUAL - DAILY SWEEP JCL 43840 74.71 INSURANCE PREM ASSESSED 41810 346.13 FINANCE CHARGE 01/05/01 01/D5/01 95800 0.00 SCHEDULED BILLING DATE 83,371.93 02/02/01 02/02/01 64000 854.59 17112 00049 TEL 64810 838.98 PAYMENT INTEREST 64820 15.61 PAYMENT 83,387.54 02/02/01 02/02/01 93800 567.29 ACCRUAL PRACTIVITY JCL 43840 74.44 INSURANCE PREM ASSESSED 41810 85 FINANCE 83,371.93 02/05/01 02/05/01 93800 473.00 ACCRUAL CHARGE DAILY SWEEP 41810 73.00 FINANCE CHARGE 02/05/01 02/05/01 95800 0.00 SCHEDULED BILLING DATE 83,010.10 03/01/01 03/01/01 64000 854.59 17112 00207 TEL 64810 492.76 PAYMENT INTEREST 64820 361.83 PAYMENT PRINCIPAL 83,371.93 03/01/01 03/01/01 93800 493.93 ACCRUAL - ACTIVITY JCL 43840 74.17 INSURANCE PREM ASSESSED 83,010.10 03/05/01 03/05/01 93800 419.76 FINANCE CHARGE 90.86 ACCRUAL - DAILY SWEEP 41810 90.86 FINANCE CHARGE 03/05/01 03/05/01 95800 0.00 SCHEDULED BILLING DATE 03/19/01 03/19/01 33906 0.00 RISK SCORE QTR CB SCR 82,736.99 04/02/01 04/02/01 64000 854.59 17112 00083 TEL 64810 581.48 PAYMENT INTEREST 64820 273.11 PAYMENT PRINCIPAL I PNCBANK CORP HISTORY CARD REPORT •+1 PNC CONSUMER LENDING, BEL #ALRS0566 00040 PAGE 103 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 BANK APP LOAN NUM TYP ST SHORT + + T R A N S A C T I 0 N H I S T O R Y • • . + + CURRENT EFFECT POST REF TRAM TRANSACTION HISTORY . NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 83,010.10 04/02/01 04/02/01 93800 564.51 ACCRUAL - ACTIVITY JCL 43840 73.89 INSURANCE PREM ASSESSED 41810 490.62 FINANCE CHARGE 82,736.99 04/05/01 04/05/01 93800 72.45 ACCRUAL - DAILY SWEEP 41810 72.45 FINANCE CHARGE 04/05/01 04/05/01 - 95800 0.00 SCHEDULED BILLING DATE 82,389.52 04/30/01 04/30/01 64000 854.59 17101 00010 TEL 64810 507.12 PAYMENT INTEREST 64820 347.47 PAYMENT PRINCIPAL 82,736.99 04/30/01 04/30/01 93800 508.29 ACCRUAL - ACTIVITY JCL 43840 73.62 INSURANCE PREM ASSESSED 41810 434.67 FINANCE CHARGE 82,389.52 05/04/01 05/04/01 93800 90.18 ACCRUAL - DAILY SWEEP 41810 90.18 FINANCE CHARGE 05/04/01 05/04/01 95800 0.00 SCHEDULED BILLING DATE 82,166.17 06/04/01 06/04/01 64000 854.59 17112 00191 TEL 64810 631.24 PAYMENT INTEREST 64820 223.35 PAYMENT PRINCIPAL 82,389.52 06/04/01 06/04/01 93800 614.40 ACCRUAL - ACTIVITY JCL 43840 73.34 INSURANCE PREM ASSESSED 82,166.17 06/05/01 06/05/01 93800 541.06 FINANCE CHARGE 35.97 ACCRUAL - DAILY SWEEP 41810 35.97 FINANCE CHARGE 06/05/01 06/05/01 95800 0.00 SCHEDULED BILLING DATE 06/25/01 06/25/01 33906 0.00 RISK SCORE QTR CB SCR 81,815.21 07/02/01 07/03/01 64000 854.59 17102 00094 TEL 64810 503.63 PAYMENT INTEREST 64820 350.96 PAYMENT PRINCIPAL 82,166.17 07/02/01 07/03/01 94800 540.72 ACCRUAL - ACTIVITY JCL 43840 73.06 INSURANCE PREM ASSESSED 41810 467.66 FINANCE CHARGE 81,815.21 07/05/01 07/05/01 93800 71.63 ACCRUAL - DAILY SWEEP 41810 71.63 FINANCE CHARGE 07/05/01 07/05/01 95800 0.00 SCHEDULED BILLING DATE 81,515.81 08/02/01 08/02/01 64000 854.59 17102 00008 TEL 64810 555.19 PAYMENT INTEREST 64820 299.40 PAYMENT PRINCIPAL 81,815.21 08/02/01 08/02/01 93800 556.33 ACCRUAL - ACTIVITY JCL 43840 72.77 INSURANCE PREM ASSESSED I PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 104 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 ,$0 PNC BWK, NATIONAL ASSOCI 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y + + + + + + + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT + POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 41810 483.56 FINANCE CHARGE 81,515.81 08/03/01 08/03/01 93800 35.69 ACCRUAL - DAILY SWEEP 41810 35.69 FINANCE CHARGE 08/03/01 08/03/01 95800 0.00 SCHEDULED BILLING DATE 81,515.81 09/04/01 09/04/01 61830 42.72 LATE CHARGE ASSESSED 81,310.64 09/05/01 09/05/01 64000 854.59 17102 00045 TEL 64810 606.70 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 205.17 PAYMENT PRINCIPAL 81,515.81 09/05/01 09/05/01 93800 643.50 ACCRUAL - ACTIVITY JCL 43840 72.49 INSURANCE PREM ASSESSED 41810 571.01 FINANCE CHARGE 81,310.64 09/05/01 09/05/01 93800 17.80 ACCRUAL - DAILY SWEEP 41810 17.80 FINANCE CHARGE 09/05/01 09/05/01 95800 0.00 SCHEDULED BILLING DATE 81,515.81 09/05/01 09/14/01 63100 854.59 NSF #2709 63810 606.70 PAY REV INTEREST 63830 42.72 PAY REV LATE CHRG 63820 205.17 PAY REV PRINCIPAL 81,310.64 09/05/01 09/14/01 94800 17.80 ACCRUAL - ACTIVITY 42810 17.80 FINANCE CHG CR ADJ 81,515.81 09/14/01 09/14/01 45860 20.00 NSF FEE ASSESSED 81,515.81 09/14/01 09/14/01 93800 160.60 ACCRUAL - ACTIVITY 41810 160.60 FINANCE CHARGE 09/17/01 09/17/01 33906 0.00 RISK SCORE QTR CB SCR 81,515.81 09/24/01 09/24/01 64000 854.59 17102 00155 TEL 64810 854.59 PAYMENT INTEREST 81,515.81 09/24/01 09/24/01 93800 178.44 ACCRUAL - ACTIVITY 41810 178.44 FINANCE CHARGE 80,957.84 10/02/01 10/02/01 64000 854.59 17111 00014 TEL 64810 233.90 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG NS2 64860 20.00 PAYMENT ONGOING FEE 64820 557.97 PAYMENT PRINCIPAL 81,515.81 10/02/01 10/02/01 93800 214.96 ACCRUAL - ACTIVITY JCL 43840 72.21 INSURANCE PREM ASSESSED 41810 142.75 FINANCE CHARGE 80,957.89 10/05/01 10/05/01 93800 70.89 ACCRUAL - DAILY SWEEP 41810 70.89 FINANCE CHARGE I PNCBANK CORP HISTORY CARD REPORT PALRS0566 00040 PNC CONSUMER LENDING, BEL PAGE 105 140 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 SANK APP T R A N S A C T I 0 N H I S TOR Y + + + + + + + + + LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 10/05/01 10/05/01 95800 0.00 SCHEDULED BILLING DATE 80,581.75 10/29/01 10/29/01 64000 854.59 17111 00013 TEL 64810 478.50 PAYMENT INTEREST 64820 376.09 PAYMENT PRINCIPAL 80,957.84 10/29/01 10/29/01 93800 479.53 ACCRUAL - ACTIVITY JCL 43840 71.92 INSURANCE PREM ASSESSED 41810 407.61 FINANCE CHARGE 80,581.75 11/05/01 11/05/01 93800 141.11 ACCRUAL - DAILY SWEEP 41810 141.11 FINANCE CHARGE 11/05/01 11/05/01 95800 0.00 SCHEDULED BILLING DATE 11/07/01 11/07/01 35577 0.00 PAYOFF QUOTE 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 A0194-USR-ARA 11/07/01 11/07/01 35515 0.00 C0194-USR-ARA 80,344.54 12/03/01 12/03/01 64000 854.59 17102 00117 TEL 64810 617.38 PAYMENT INTEREST 64820 237.21 PAYMENT PRINCIPAL 80,581.75 12/03/01 12/03/01 93800 547.90 ACCRUAL - ACTIVITY JCL 43840 71.63 INSURANCE PREM ASSESSED 41810 476.27 FINANCE CHARGE 80,344.54 12/05/01 12/05/01 93800 52.77 ACCRUAL - DAILY SWEEP 91810 52.77 FINANCE CHARGE 12/05/01 12/05/01 95800 0.00 SCHEDULED BILLING DATE 12/17/01 12/17/01 33906 0.00 RISK SCORE QTR CB SCR 80,344.54 01/04/02 01/04/02 61830 42.72 LATE CHARGE ASSESSED 80,344.54 01/04/02 01/04/02 93800 598.96 ACCRUAL - DAILY SWEEP JCL 43840 71.33 INSURANCE PREM ASSESSED 41810 527.63 FINANCE CHARGE 01/04/02 01/04/02 95800 0.00 SCHEDULED BILLING DATE 01/14/02 01/14/02 33906 0.00 RISK SCORE QTR CB SCR 80,263.80 01/16/02 01/16/02 64000 897.32 17101 00101 TEL 64810 773.86 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG I PNCBANK CORP .HISTORY CARD REPORT NALRS0566 00040 PAGE 106 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 +0 PNC B&NK, NATIONAL ASSOCZ 80 LOAN NUMBER AS OF 8/15/2011 + * * + * + * * * T R A N S A C T I O N H I S T 0 R Y * * + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64820 58.01 PAYMENT PRINCIPAL 64820 22.73 PAYMENT PRINCIPAL 80,344.54 01/16/02 01/16/02 93800 193.46 ACCRUAL - ACTIVITY 41810 193.46 FINANCE CHARGE 79,743.04 02/04/02 02/04/02 64000 854.59 17101 00076 TEL 64810 333.83 PAYMENT INTEREST 64820 498.03 PAYMENT PRINCIPAL 64820 22.73 PAYMENT PRINCIPAL 80,263.80 02/04/02 02/04/02 93800 404.88 ACCRUAL - ACTIVITY JCL 43840 71.05 INSURANCE PREM ASSESSED 41810 333.83 FINANCE CHARGE 79,743.04 02/05/02 02/05/02 93800 34.91 ACCRUAL - DAILY SWEEP 41810 34.91 FINANCE CHARGE 02/05/02 02/05/02 95800 0.00 SCHEDULED BILLING DATE 79,377.22 03/04/02 03/04/02 64000 854.59 17101 00084 TEL 64810 488.77 PAYMENT INTEREST 64820 343.09 PAYMENT PRINCIPAL 64820 22.73 PAYMENT PRINCIPAL 79,743.04 03/04/02 03/04/02 93600 524.60 ACCRUAL - ACTIVITY JCL 43840 70.74 INSURANCE PREM ASSESSED 41810 453.86 FINANCE CHARGE 79,377.22 03/05/02 03/05/02 93800 34.75 ACCRUAL - DAILY SWEEP 41810 34.75 FINANCE CHARGE 03/05/02 03/05/02 95800 0.00 SCHEDULED BILLING DATE 03/18/02 03/18/02 33906 0.00 RISK SCORE QTR CB SCR 78,765.89 03/18/02 03/18/02 64000 854.59 17111 00048 TEL 64810 243.26 PAYMENT INTEREST 64820 588.60 PAYMENT PRINCIPAL 64820 22.73 PAYMENT PRINCIPAL 79,377.22 03/18/02 03/18/02 93800 208.51 ACCRUAL - ACTIVITY 41810 208.51 FINANCE CHARGE 78,765.89 04/05/02 04/05/02 93800 398.05 ACCRUAL - DAILY SWEEP JCL 43840 70.45 INSURANCE PREM ASSESSED 41810 327.60 FINANCE CHARGE 04/05/02 04/05/02 95800 0.00 SCHEDULED BILLING DATE 78,669.96 05/01/02 05/01/02 64000 854.59 17101 00052 TEL 64810 758.66 PAYMENT INTEREST 64820 73.20 PAYMENT PRINCIPAL 64820 22.73 PAYMENT PRINCIPAL I PNEBANK CORP HISTORY CARD REPORT HALRS0566 00040 PAGE 107 . 1 PNC CONSUMER LENDING, BEL 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y " - { BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 78,765.89 05/01/02 05/01/02 93800 501.21 ACCRUAL - ACTIVITY JCL 43840 70.15 INSURANCE PREM ASSESSED 41810 431.06 FINANCE CHARGE 78,669.96 05/03/02 05/03/02 93800 51.66 ACCRUAL - DAILY SWEEP 41810 51.66 FINANCE CHARGE 05/03/02 05/03/02 95800 0.00 SCHEDULED BILLING DATE 78,279.93 05/28/02 05/28/02 64000 855.00 17111 00070 TEL 64810 464.97 PAYMENT INTEREST 64820 366.89 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 78,669.96 05/28/02 05/28/02 93800 483.16 ACCRUAL - ACTIVITY JCL 43840 69.85 INSURANCE PREM ASSESSED 41810 413.31 FINANCE CHARGE 78,279.93 06/05/02 06/05/02 93800 154.22 ACCRUAL - DAILY SWEEP 41810 154.22 FINANCE CHARGE 06/05/02 06/05/02 95800 0.00 SCHEDULED BILLING DATE 77,648.10 06/10/02 06/10/02 64000 854.59 17102 00136 TEL 64610 222.76 PAYMENT INTEREST 64820 608.69 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 78,279.93 06/10/02 06/10/02 93800 68.54 ACCRUAL - ACTIVITY 41810 68.54 FINANCE CHARGE 06/24/02 06/24/02 35934 0.00 RISK SCORE QTR CB SCR 17,150.46 07/01/02 07/01/02 64000 854.59 17111 00026 TEL 64810 356.95 PAYMENT INTEREST 64820 474.50 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 77,648.10 07/01/02 07/01/02 93800 426.50 ACCRUAL - ACTIVITY JCL 43840 69.55 INSURANCE PREM ASSESSED 41810 356.95 FINANCE CHARGE 77,150.46 08/05/02 08/05/02 93800 677.23 ACCRUAL - DAILY SWEEP - JCL 43840 69.24 INSURANCE PREM ASSESSED 41810 607.99 FINANCE CHARGE 08/05/02 08/05/02 95800 0.00 SCHEDULED BILLING DATE 76,903.86 08/06/02 08/06/02 64000 654.59 17101 00042 TEL 64810 607.99 PAYMENT INTEREST 64820 223.46 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 76,903.86 09/05/02 09/05/02 93800 590.80 ACCRUAL - DAILY SWEEP I PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 108 1 MC CONSUMER LENDING, BEL DATE 8/15/2011 40 PNG.BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y + + + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION JCL 43840 68.93 INSURANCE PREM ASSESSED 41810 521.87 FINANCE CHARGE 09/05/02 09/05/02 95800 0.00 SCHEDULED BILLING DATE 76,621.64 09/09/02 09/09/02 64000 854.59 17101 00078 TEL 64810 572.37 PAYMENT INTEREST 64820 259.08 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 76,903.86 09/09/02 09/09/02 93800 50.50 ACCRUAL - ACTIVITY 41810 50.50 FINANCE CHARGE 09/16/02 09/16/02 35934 0.00 RISK SCORE QTR CB SCR 76,621.64 10/04/02 10/04/02 93800 504.71 ACCRUAL - DAILY SWEEP JCL 43840 68.62 INSURANCE PREM ASSESSED 41810 436.09 FINANCE CHARGE 10/04/02 10/04/02 95800 0.00 SCHEDULED BILLING DATE 76,253.46 10/08/02 10/08/02 64000 854.59 17101 00033 TEL 64810 486.41 PAYMENT INTEREST 64820 345.04 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 76,621.64 10/08/02 10/08/02 93800 50.32 ACCRUAL - ACTIVITY 41810 50.32 FINANCE CHARGE 76,253.46 11/05/02 11/05/02 93800 552.38 ACCRUAL - DAILY SWEEP JCL 43840 68.31 INSURANCE PREM ASSESSED 41810 484.07 FINANCE CHARGE 11/05/02 11/05/02 95800 0.00 SCHEDULED BILLING DATE 76,099.94 11/19/02 11/19/02 64000 854.59 17112 00021 TEL 64810 701.07 PAYMENT INTEREST 64820 130.38 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 76,253.46 11/19/02 11/19/02 93800 217.00 ACCRUAL - ACTIVITY 41610 217.00 FINANCE CHARGE 11/27/02 11/27/02 35577 0.00 PAYOFF QUOTE 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-AM 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA I PNtBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 109 1 PNC !,.ONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y + + * + + + + + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 A0194-USR-ARA 11/27/02 11/27/02 35515 0.00 C0194-USR-ARA 76,099.94 12/05/02 12/05/02 93800 351.19 ACCRUAL - DAILY SWEEP JCL 43840 68.00 INSURANCE PREM ASSESSED 41810 283.19 FINANCE CHARGE 12/05/02 12/05/02 95800 0.00 SCHEDULED BILLING DATE 12/16/02 12/16/02 35934 0.00 RISK SCORE QTR CB SCR 75,828.40 12/24/02 12/24/02 64000 854.59 17101 00117 TEL 64810 583.05 PAYMENT INTEREST 64820 248.40 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 76,099.94 12/24/02 12/24/02 93800 299.86 ACCRUAL - ACTIVITY 41810 299.86 FINANCE CHARGE 75,828.40 01/03/03 01/03/03 93800 250.27 ACCRUAL - DAILY SWEEP JCL 43840 67.68 INSURANCE PREM ASSESSED 41810 182.59 FINANCE CHARGE 01/03/03 01/03/03 95800 0.00 SCHEDULED BILLING DATE 75,654.37 02/03/03 02/03/03 64000 854.59 17101 00172 TEL 64810 680.56 PAYMENT INTEREST 64820 150.89 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 75,828.40 02/03/03 02/03/03 93800 565.33 ACCRUAL - ACTIVITY JCL 43840 67.36 INSURANCE PREM ASSESSED 41810 497.97 FINANCE CHARGE 02/04/03 02/04/03 35577 0.00 PAYOFF QUOTE 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 A0194-USR-ARA 02/04/03 02/04/03 35515 0.00 C0194-USR-ARA 75,654.37 02/05/03 02/05/03 93800 49.68 ACCRUAL - DAILY SWEEP 41810 49.68 FINANCE CHARGE I PNCBANK CORP HISTORY CARD REPORT NALRS0566 00040 PAGE 110 1 PNC'CONSUMER LENDING, BEL DATE 8/15/2011 ,4b PNC BAWK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER * * * * * * * * * ' T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 02/05/03 02/05/03 95800 0.00 SCHEDULED BILLING DATE 75,197.24 02/27/03 02/27/03 64000 854.59 17102 00022 TEL 64810 397.46 PAYMENT INTEREST 64820 433.99 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 75,654.37 02/27/03 02/27/03 93800 414.83 ACCRUAL - ACTIVITY JCL 43840 67.05 INSURANCE PREM ASSESSED 41810 347.78 FINANCE CHARGE 75,197.24 03/05/03 03/05/03 93800 115.23 ACCRUAL - DAILY SWEEP 41810 115.23 FINANCE CHARGE 03/05/03 03/05/03 95800 0.00 SCHEDULED BILLING DATE 74,754.18 03/24/03 03/24/03 64000 854.59 17111 00080 TEL 64810 411.53 PAYMENT INTEREST 64820 419.92 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 75,197.24 03/24/03 03/24103 93800 296.30 ACCRUAL - ACTIVITY 41810 296.30 FINANCE CHARGE 03/31/03 03/31/03 35934 0.00 RISK SCORE QTR CB SCR 74,754.18 04/04/03 04/04/03 93800 263.08 ACCRUAL - DAILY SWEEP JCL 43840 66.72 INSURANCE PREM ASSESSED 41810 196.36 FINANCE CHARGE 04/04/03 04/04/03 95800 0.00 SCHEDULED BILLING DATE 74,308.69 04/18/03 04/18/03 64000 854.59 17102 00543 TEL 64810 409.10 PAYMENT INTEREST 64820 422.35 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 74,754.18 04/18/03 04/18/03 93800 212.74 ACCRUAL - ACTIVITY 41810 212.74 FINANCE CHARGE 74,308.69 05/05/03 05/05/03 93800 359.18 ACCRUAL - DAILY SWEEP JCL 43840 66.39 INSURANCE PREM ASSESSED 41810 292.79 FINANCE CHARGE 05/05/03 05/05/03 95800 0.00 SCHEDULED BILLING DATE 73,974.62 05/20/03 05/20/03 64000 854.59 17101 O0555 TEL 64810 520.52 PAYMENT INTEREST 64820 310.93 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 74,308.69 05/20/03 05/20/03 93800 227.73 ACCRUAL - ACTIVITY 41810 227.73 FINANCE CHARGE 73,974.62 06/05/03 06/05/03 93800 34,1.36 ACCRUAL - DAILY SWEEP I PNCBANK CORP HISTORY CARD REPORT 4ALRS0566 00040 PAGE 111 ' a PNC CONSUMER LENDING, BEL DATE 8/15/2011 '40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y + SANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION JCL 43840 66.07 INSURANCE PREM ASSESSED 41810 275.29 FINANCE CHARGE 06/05/03 06/05/03 95800 0.00 SCHEDULED BILLING DATE 06/16/03 06/16/03 35934 0.00 RISK SCORE QTR CB SCR 73,702.99 06/25/03 06/25/03 64000 854.59 17101 00020 TEL 64810 582.96 PAYMENT INTEREST 64820 248.49 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 73,974.62 06/25/03 06/25/03 93800 307.67 ACCRUAL - ACTIVITY 41810 307.67 FINANCE CHARGE 73,702.99 07/03/03 07/03/03 93800 210.95 ACCRUAL - DAILY SWEEP JCL 43840 65.74 INSURANCE PREM ASSESSED 41810 145.21 FINANCE CHARGE 07/03/03 07/03/03 95800 0.00 SCHEDULED BILLING DATE 73,380.82 07/28/03 07/28/03 64000 854.59 17111 00062 TEL 64810 532.42 PAYMENT INTEREST 64820 299.03 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 73,702.99 07/28/03 07/28/03 93800 452.63 ACCRUAL - ACTIVITY JCL 43840 65.42 INSURANCE PREM ASSESSED 41810 387.21 FINANCE CHARGE 73,380.82 08/05/03 08/05/03 93800 144.57 ACCRUAL - DAILY SWEEP 41810 144.57 FINANCE CHARGE 08/05/03 08/05/03 95800 0.00 SCHEDULED BILLING DATE 72,879.62 08/19/03 08/19/03 64000 854.59 17101 00049 TEL 64810 353.39 PAYMENT INTEREST 64820 478.06 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 73,380.82 08/19/03 08/19/03 93800 208.82 ACCRUAL - ACTIVITY 41810 208.82 FINANCE CHARGE 72,168.61 08/28/03 08/28/03 64000 854.59 17102 00010 TEL 64810 143.58 PAYMENT INTEREST 64820 687.87 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 72,879.62 08/28/03 08/28/03 93800 208.65 ACCRUAL - ACTIVITY JCL 43840 65.07 INSURANCE PREM ASSESSED 41810 143.58 FINANCE CHARGE 09/15/03 09/15/03 35934 0.00 RISK SCORE QTR CB SCR 71,724.77 09/23/03 09/23/03 64000 854.59 17102 00025 TEL I I PNCPANK CORP HISTORY CARD REPORT $ALRS0566 00040 PAGE 112 ,1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 '40 PNC O&K, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER * * * * * * * * * * T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64810 410.75 PAYMENT INTEREST 64820 420.70 PAYMENT PRINCIPAL 64820 23.14 PAYMENT PRINCIPAL 72,168.61 09/23/03 09/23/03 93800 410.75 ACCRUAL - ACTIVITY 41810 410.75 FINANCE CHARGE 72,168.61 09/23/03 10/03/03 63100 854.59 NSF #223 63810 410.75 PAY REV INTEREST 63820 420.70 PAY REV PRINCIPAL 63820 23.14 PAY REV PRINCIPAL 71,724.77 09/23/03 10/03/03 94800 64.75 ACCRUAL - ACTIVITY JCL 43840 64.74 INSURANCE PREM ASSESSED 41810 0.01 FINANCE CHARGE 72,168.61 10/03/03 10/03/03 45860 20.00 NSF FEE ASSESSED 72,168.61 10/03/03 10/03/03 93800 157.98 ACCRUAL - ACTIVITY 41810 157.98 FINANCE CHARGE 72,168.61 10/03/03 10/03/03 99900 0.01 BACKDATING ADJUSTMENT 42911 0.01 BACKDATING INTEREST CR 72,168.61 10/03/03 10/03/03 93800 15.80 ACCRUAL - DAILY SWEEP 41810 15.80 FINANCE CHARGE 10/03/03 10/03103 95800 0.00 SCHEDULED BILLING DATE 72,168.61 10/22/03 10/22/03 64000 854.59 17102 00007 TEL 64810 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 72,168.61 10/22/03 10/22/03 93800 284.36 ACCRUAL - ACTIVITY 41810 284.36 FINANCE CHARGE 72,168.61 11/05/03 11/05/03 93800 301.38 ACCRUAL - DAILY SWEEP JCL 43840 64.41 INSURANCE PREM ASSESSED 41810 236.97 FINANCE CHARGE 11/05/03 11/05/03 95800 0.00 SCHEDULED BILLING DATE 72,168.61 12/05/03 12/05/03 61830 42.72 LATE CHARGE ASSESSED 72,168.61 12/05/03 12/05/03 93800 538.00 ACCRUAL - DAILY SWEEP JCL 43840 64.06 INSURANCE PREM ASSESSED 41810 473.94 FINANCE CHARGE 12/05/03 12/05/03 95800 0.00 SCHEDULED BILLING DATE 72,168.61 12/19/03 12/19/03 64000 854.59 17111 00118 TEL 64810 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 72,168.61 12/19/03 12/19/03 93800 205.38 ACCRUAL - ACTIVITY 41810 205.38 FINANCE CHARGE I P14CBANK CORP HISTORY CARD REPORT NALRS0566 00040 PAGE 113 ' 1 PNC.CONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 72,168.61 01/05/04 01/05/04 61830 42.72 LATE CHARGE ASSESSED 72,168.61 01/05/04 01/05/04 93800 347.87 ACCRUAL - DAILY SWEEP JCL 43840 63.73 INSURANCE PREM ASSESSED 41810 284.14 FINANCE CHARGE 01/05/04 01/05/04 95800 0.00 SCHEDULED BILLING DATE 72,168.61 02/02/04 02/02/04 64000 854.59 17102 00333 TEL 64810 785.52 PAYMENT INTEREST 64830 65.93 PAYMENT LATE CHRG 64830 3.14 PAYMENT LATE CHRG 72,168.61 02/02/04 02/02/04 93800 488.75 ACCRUAL - ACTIVITY JCL 43840 63.37 INSURANCE PREM ASSESSED 41810 425.38 FINANCE CHARGE 72,168.61 02/04/04 02/04/04 61830 42.72 LATE CHARGE ASSESSED 72,168.61 02/05/04 02/05/04 93800 63.02 ACCRUAL - DAILY SWEEP 41810 63.02 FINANCE CHARGE 02/05/04 02/05/04 95800 0.00 SCHEDULED BILLING DATE 02117/04 02/17/04 35934 0.00 RISK SCORE QTR CB SCR 71,703.97 02/23/04 02/23/04 64000 854.59 17111 00090 TEL 64810 330.86 PAYMENT INTEREST 64830 59.09 PAYMENT LATE CHRG 64820 461.50 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 72,168.61 02/23/04 02/23/04 93800 267.84 ACCRUAL - ACTIVITY 41810 267.84 FINANCE CHARGE 71,025.91 03104/04 03/04/04 64000 854.59 17101 00133 TEL 64810 156.53 PAYMENT INTEREST NS2 64860 20.00 PAYMENT ONGOING FEE 64820 674.92 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 71,703.97 03/04/04 03/04/04 93800 219.56 ACCRUAL - ACTIVITY JCL 43840 63.03 INSURANCE PREM ASSESSED 41610 156.53 FINANCE CHARGE 71,025.91 03/05/04 03/05/04 93800 31.01 ACCRUAL - DAILY SWEEP 41810 31.01 FINANCE CHARGE 03/05/04 03/05/04 95800 0.00 SCHEDULED BILLING DATE 03/15/04 03/15/04 35934 0.00 RISK SCORE QTR CB SCR 70,450.42 03/22/04 03/22/04 64000 854.59 17101 00050 TEL 64810 279.10 PAYMENT INTEREST 64820 572.35 PAYMENT PRINCIPAL 1 PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 114 ,a 1 PNC,r.ONSUMER LENDING, BEL - DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER * * * * * T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64820 3.14 PAYMENT PRINCIPAL 71,025.91 03/22/04 03/22/04 93800 248.09 ACCRUAL - ACTIVITY 41810 248.09 FINANCE CHARGE 70,450.42 04/05/04 04/05/04 93800 293.38 ACCRUAL - DAILY SWEEP JCL 43840 62.69 INSURANCE PREM ASSESSED 41810 230.69 FINANCE CHARGE 04/05/04 04/05/04 95800 0.00 SCHEDULED BILLING DATE 04/27/04 04/27/04 35577 0.00 PAYOFF QUOTE 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 A0194-USR-ARA 04/27/04 04/27/04 35515 0.00 C0194-USR-ARA 70,180.25 04/29/04 04/29/04 64000 854.59 17102 00028 TEL 64810 584.42 PAYMENT INTEREST 64820 267.03 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 70,450.42 04/29/04 04/29/04 93800 416.06 ACCRUAL - ACTIVITY JCL 43840 62.33 INSURANCE PREM ASSESSED 41810 353.73 FINANCE CHARGE 70,180.25 05/05/04 05/05/04 93800 107.25 ACCRUAL - DAILY SWEEP 41810 107.25 FINANCE CHARGE 05/05/04 05/05/04 95800 0.00 SCHEDULED BILLING DATE 69,769.97 05/28/04 05/28/04 64000 854.59 17111 00066 TEL 64810 444.31 PAYMENT INTEREST 64820 407.14 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 70,180.25 05/28/04 05/28/04 93800 399.04 ACCRUAL - ACTIVITY JCL 43840 61.98 INSURANCE PREM ASSESSED 41810 337.06 FINANCE CHARGE 69,769.97 06/04/04 06/04/04 93800 121.85 ACCRUAL - DAILY SWEEP 41810 121.85 FINANCE CHARGE 06/04/04 06/04/04 95800 0.00 SCHEDULED BILLING DATE I PNCBANK CORP HISTORY CARD REPORT 4ALRS0566 00040 PAGE 115 ' 1 PNC.QONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y * ` ` ` ' ` • " SANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF IRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 06/21/04 06/21/04 35934 0.00 RISK SCORE QTR CB SCR 69,448.47 07/02/04 07/02/04 64000 854.59 17111 00293 TEL 64810 533.09 PAYMENT INTEREST 64820 318.36 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 69,769.97 07/02/04 07/02/04 93800 472.86 ACCRUAL - ACTIVITY JCL 43840 61.62 INSURANCE PREM ASSESSED 41810 411.24 FINANCE CHARGE 69,448.47 07/02/04 07/02/04 93800 15.16 ACCRUAL - DAILY SWEEP 41810 15.16 FINANCE CHARGE 07/02/04 07/02/04 95800 0.00 SCHEDULED BILLING DATE 69,003.22 07/29/04 07/29/04 64000 854.59 17102 00024 TEL 64810 409.34 PAYMENT INTEREST 64820 442.11 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 69,448.47 07/29/04 07/29/04 93800 455.44 ACCRUAL - ACTIVITY JCL 43840 61.26 INSURANCE PREM ASSESSED 41810 394.18 FINANCE CHARGE 69,003.22 08/05/04 08/05/04 93800 120.51 ACCRUAL - DAILY SWEEP 41810 120.51 FINANCE CHARGE 08/05/04 08/05/04 95800 0.00 SCHEDULED BILLING DATE 68,269.14 08/06/04 08/06/04 64000 854.59 17111 00086 TEL 64810 120.51 PAYMENT INTEREST 64820 730.94 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 67,772.24 08/30/04 08/30/04 64000 854.59 17102 00089 TEL 64810 357.69 PAYMENT INTEREST 64820 493.76 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 68,269.14 08/30/04 08/30/04 93800 418.59 ACCRUAL - ACTIVITY JCL 43840 60.90 INSURANCE PREM ASSESSED 41810 357.69 FINANCE CHARGE 09/20/04 09/20/04 35934 0.00 RISK SCORE QTR CB SCR 67,772.24 10/05/04 10/05/04 93800 607.96 ACCRUAL - DAILY SWEEP JCL 43840 60.54 INSURANCE PREM ASSESSED 41810 547.42 FINANCE CHARGE 10/05/04 10/05/04 95800 0.00 SCHEDULED BILLING DATE 67,568.63 10/13/04 10/13/04 64000 854.59 17111 00025 TEL 64810 650.98 PAYMENT INTEREST I PNCBANK CORP HISTORY CARD REPORT MRS0566 00040 PAGE 116 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 ' 40 PNC bMK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64820 200.47 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 67,772.24 10/13/04 10/13/04 93800 103.56 ACCRUAL - ACTIVITY 41810 103.56 FINANCE CHARGE 66,994.30 11/01/04 11/01/04 64000 854.59 17111 00184 TEL 64810 280.26 PAYMENT INTEREST 64620 571.19 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 67,568.63 11/01/04 11/01/04 93800 340.44 ACCRUAL - ACTIVITY JCL 43640 60.18 INSURANCE PREM ASSESSED 41810 260.26 FINANCE CHARGE 66,505.34 11/26/04 11/26/04 64000 854.59 17101 00022 TEL 64810 365.63 PAYMENT INTEREST 64820 485.82 PAYMENT PRINCIPAL 64620 3.14 PAYMENT PRINCIPAL 66,994.30 11/26/04 11/26/04 93600 365.63 ACCRUAL - ACTIVITY 41810 365.63 FINANCE CHARGE 12/20/04 12/20/04 35934 0.00 RISK SCORE QTR CB SCR 66,202.54 01/03/05 01/03/05 64000 854.59 17111 00003 TEL 64810 551.79 PAYMENT INTEREST 64820 299.66 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 66,505.34 01/03/05 01/03/05 93800 671.03 ACCRUAL - ACTIVITY JCL 43840 119.24 INSURANCE PREM ASSESSED 41810 551.79 FINANCE CHARGE 66,202.54 02/04/05 02/04/05 93800 537.29 ACCRUAL - DAILY SWEEP JCL 43640 59.06 INSURANCE PREM ASSESSED 41810 478.23 FINANCE CHARGE 02/04/05 02/04/05 95800 0.00 SCHEDULED BILLING DATE 65,956.61 02/14/05 02/14/05 64000 854.59 17102 00105 TEL 64810 608.66 PAYMENT INTEREST 64820 242.79 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 66,202.54 02/14/05 02/14/05 93600 130.43 ACCRUAL - ACTIVITY 41810 130.43 FINANCE CHARGE 65,956.61 03/04/05 03/04/05 93800 333.01 ACCRUAL - DAILY SWEEP JCL 43840 58.69 INSURANCE PREM ASSESSED 41810 274.32 FINANCE CHARGE 03/04/05 03/04/05 95800 0.00 SCHEDULED BILLING DATE I PNCBANK CORP HISTORY CARD REPORT NALRSO566 00040 PAGE 117 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 " 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 03/14/05 03/14/05 35934 0.00 RISK SCORE QTR CB SCR 65,607.35 03/21/05 03/21/05 64000 854.59 17102 00198 TEL 64810 505.33 PAYMENT INTEREST 64820 346.12 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 65,956.61 03/21/05 03/21/05 93800 231.01 ACCRUAL - ACTIVITY 41810 231.01 FINANCE CHARGE 65,607.35 04/05/05 04/05/05 93800 288.10 ACCRUAL - DAILY SWEEP JCL 43840 58.31 INSURANCE PREM ASSESSED 41810 229.79 FINANCE CHARGE 04/05/05 04/05/05 95800 0.00 SCHEDULED BILLING DATE 65,054.36 04/11/05 04/11/05 64000 854.59 17111 00163 TEL 64810 301.60 PAYMENT INTEREST 64820 549.85 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 65,607.35 04/11/05 04/11/05 93800 71.81 ACCRUAL - ACTIVITY 41810 71.81 FINANCE CHARGE 64,299.45 04/18/05 04/18/05 64000 854.59 17102 00160 TEL 64810 99.68 PAYMENT INTEREST 64820 751.77 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 65,054.36 04/18/05 04/18/05 93800 99.68 ACCRUAL - ACTIVITY 41810 99.68 FINANCE CHARGE 63,641.92 05/02/05 05/02/05 64000 854.59 17102 00073 TEL 64810 197.06 PAYMENT INTEREST 64820 654.39 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 64,299.45 05/02/05 05/02/05 93800 254.99 ACCRUAL - ACTIVITY JCL 43840 57.93 INSURANCE PREM ASSESSED 999 41810 197.06 FINANCE CHARGE 62,787.33 05/02/05 05/02/05 64000 854.59 17102 00072 TEL 64820 851.45 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 62,221.37 05/23/05 05/23/05 64000 854.59 17111 00135 TEL 64810 288.63 PAYMENT INTEREST 64820 562.82 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 62,787.33 05/23/05 05/23/05 93800 288.63 ACCRUAL - ACTIVITY 999 41810 288.63 FINANCE CHARGE I PNCBANK CORP HISTORY CARD REPORT $ALRS0566 00040 PAGE 118 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 ,40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y * * * + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 06/13/05 06/13/05 35934 0.00 RISK SCORE QTR CB SCR 62,221.37 08/22/05 08/22/05 64000 854.59 17102 00191 TEL 64810 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 62,221.37 08/22/05 08/22/05 93800 1,410.95 ACCRUAL - ACTIVITY JCL 43640 171.48 INSURANCE PREM ASSESSED 999 41810 1,239.47 FINANCE CHARGE 61,751.66 08/22/05 08/22/05 64000 854.59 17102 00190 TEL 64810 384.88 PAYMENT INTEREST 64820 466.57 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 60,991.69 08/29/05 08/29/05 64000 854.59 17111 00190 TEL 64810 94.62 PAYMENT INTEREST 64820 756.83 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 61,751.66 08/29/05 08/29/05 93800 151.00 ACCRUAL - ACTIVITY JCL 43840 56.38 INSURANCE PREM ASSESSED 999 41810 94.62 FINANCE CHARGE 60,137.10 08/29/05 08/29/05 64000 854.59 17111 00191 TEL 64820 851.45 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 10/03/05 10/03/05 35934 0.00 RISK SCORE QTR CB SCR 12/05/05 12/05/05 35934 0.00 RISK SCORE QTR CB SCR 60,137.10 12/05/05 12/05/05 64000 854.59 17111 00091 TEL 64810 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 60,137.10 12/05/05 12/05/05 93800 1,456.87 ACCRUAL - ACTIVITY JCL 43840 166.78 INSURANCE PREM ASSESSED 999 41810 1,290.09 FINANCE CHARGE 60,137.10 01/30/06 01/30/06 64000 854.59 17111 00105 TEL 64810 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 60,137.10 01/30/06 01/30/06 93800 846.38 ACCRUAL - ACTIVITY JCL 43840 109.18 INSURANCE PREM ASSESSED 999 41810 737.20 FINANCE CHARGE 03/01/06 03/01/06 35430 0.00 C0195-INS-CO-COD 03/01/06 03/01/06 35440 0.00 C0195-INS-AGE 03/01/06 03/01/06 35455 0.00 C0195-INS-CO-NM 60,137.10 03/03/06 03/03/06 93600 488.41 ACCRUAL - DAILY SWEEP I Pw_aANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 119 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER • * ' ' ' * * ' T R A N S A C T I O N H I S T O R Y + • + + + * + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION JCL 43840 53.99 INSURANCE PREM ASSESSED 999 41810 434.42 FINANCE CHARGE 03/03/06 03/03/06 95800 0.00 SCHEDULED BILLING DATE 03/06/06 03/06/06 35934 0.00 RISK SCORE QTR CB SCR 03/27/06 03/27/06 35934 0.00 RISK SCORE QTR CB SCR 60,137.10 03/31/06 03/31/06 64000 854.59 17111 00012 TEL 64610 851.45 PAYMENT INTEREST 64810 3.14 PAYMENT INTEREST 60,137.10 03/31/06 03/31/06 93800 409.00 ACCRUAL - ACTIVITY JCL 43840 53.57 INSURANCE PREM ASSESSED 999 41810 355.43 FINANCE CHARGE 60,137.10 04/05/06 04/05/06 93800 78.99 ACCRUAL - DAILY SWEEP 999 41810 78.99 FINANCE CHARGE 04/05/06 04/05/06 95800 0.00 SCHEDULED BILLING DATE 59,864.99 04/25/06 04/25/06 64000 854.59 17111 00009 TEL 64810 582.48 PAYMENT INTEREST 64820 268.97 PAYMENT PRINCIPAL 64620 3.14 PAYMENT PRINCIPAL 60,137.10 04/25/06 04/25/06 93800 250.12 ACCRUAL - ACTIVITY 999 41810 250.12 FINANCE CHARGE 59,864.99 05/05/06 05/05/06 93800 197.31 ACCRUAL - DAILY SWEEP JCL 43840 53.16 INSURANCE PREM ASSESSED 999 41810 144.15 FINANCE CHARGE 05/05/06 05/05/06 95800 0.00 SCHEDULED BILLING DATE 59,364.22 05/22/06 05/22/06 64000 854.59 17111 00060 TEL 64610 353.82 PAYMENT INTEREST 64820 497.63 PAYMENT PRINCIPAL 64820 3.14 PAYMENT PRINCIPAL 59,864.99 05/22/06 05/22/06 93800 209.67 ACCRUAL - ACTIVITY 999 41810 209.67 FINANCE CHARGE 59,364.22 06/05/06 06/05/06 93800 247.68 ACCRUAL - DAILY SWEEP JCL 43840 52.75 INSURANCE PREM ASSESSED 999 41810 194.93 FINANCE CHARGE 06/05106 06/05/06 95800 0.00 SCHEDULED BILLING DATE 06/19/06 06/19/06 35934 0.00 RISK SCORE QTR CB SCR 59,012.69 07/03/06 07/03/06 64000 897.32 17102 00064 TEL 64810 545.79 PAYMENT INTEREST 64820 305.66 PAYMENT PRINCIPAL 64820 45.87 PAYMENT PRINCIPAL I PNCWK CORP HISTORY CARD REPORT IEALRS0566 00040 PAGE 120 � PNC CONSUMER LENDING, BEL DATE 8/15/2011 t70 PNC BARK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER * * + * + + + T R A N S A C T I O N H I S T O R Y + + * + * + * + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 59,364.22 07/03/06 07/03/06 93800 403.19 ACCRUAL - ACTIVITY JCL 43840 52.33 INSURANCE PREM ASSESSED 999 41810 350.86 FINANCE CHARGE 59,012.69 07/05/06 07/05/06 93800 38.76 ACCRUAL - DAILY SWEEP 999 41810 38.76 FINANCE CHARGE 07/05/06 07/05/06 95800 0.00 SCHEDULED BILLING DATE 58,455.22 07/26/06 07/26106 64000 854.59 17111 00022 TEL 64810 297.12 PAYMENT INTEREST 64820 511.60 PAYMENT PRINCIPAL 64820 45.87 PAYMENT PRINCIPAL 59,012.69 07/26/06 07/26/06 93800 258.36 ACCRUAL - ACTIVITY 999 41810 258.36 FINANCE CHARGE 58,455.22 08/04/06 08/04/06 93800 179.87 ACCRUAL - DAILY SWEEP JCL 43840 51.91 INSURANCE PREM ASSESSED 999 41810 127.96 FINANCE CHARGE 08/04/06 08/04/06 95800 0.00 SCHEDULED BILLING DATE 57,958.92 08/23/06 08/23/06 64000 854.59 17102 00026 TEL 64810 358.29 PAYMENT INTEREST 64820 450.43 PAYMENT PRINCIPAL 64820 45.87 PAYMENT PRINCIPAL 58,455.22 08/23/06 08/23/06 93800 230.33 ACCRUAL - ACTIVITY 999 41810 230.33 FINANCE CHARGE 09/05/06 09/05/06 35934 0.00 RISK SCORE QTR CB SCR 57,958.92 09/05/06 09/05/06 93800 229.11 ACCRUAL - DAILY SWEEP JCL 43840 51.49 INSURANCE PREM ASSESSED 999 41810 177.62 FINANCE CHARGE 09/05/06 09/05/06 95800 0.00 SCHEDULED BILLING DATE 57,637.20 10/04/06 10/04/06 64000 854.59 17102 00024 TEL 64810 532.87 PAYMENT INTEREST 64820 275.85 PAYMENT PRINCIPAL 64820 45.87 PAYMENT PRINCIPAL 57,958.92 10/04/06 10/04/06 93800 406.31 ACCRUAL - ACTIVITY JCL 43840 51.06 INSURANCE PREM ASSESSED 999 41810 355.25 FINANCE CHARGE 57,637.20 10/05/06 10/05/06 93800 25.24 ACCRUAL - DAILY SWEEP 999 41810 25.24 FINANCE CHARGE 10/05/06 10/05/06 95800 0.00 SCHEDULED BILLING DATE 57,637.20 11/03/06 11/03/06 93800 416.52 ACCRUAL - DAILY SWEEP JCL 43840 50.63 INSURANCE PREM ASSESSED I PNCBANK CORP HISTORY CARD REPORT OALRS0566 00040 PAGE 121 1 PNC,rONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y * + * * * * + SANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 999 41810 365.89 FINANCE CHARGE 11/03/06 11/03/06 95800 0.00 SCHEDULED BILLING DATE 57,637.20 11/06/06 11/06/06 61830 42.72 LATE CHARGE ASSESSED 57,400.83 11/22/06 11/22/06 64000 897.32 17101 00020 TEL 64810 618.23 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 147.77 PAYMENT PRINCIPAL 64820 88.60 PAYMENT PRINCIPAL' 57,637.20 11/22/06 11/22/06 93800 227.10 ACCRUAL - ACTIVITY 999 41810 227.10 FINANCE CHARGE 57,400.83 12/05/06 12/05/06 61830 42.72 LATE CHARGE ASSESSED 57,400.83 12/05/06 12/05/06 93800 226.12 ACCRUAL - DAILY SWEEP JCL 43840 50.20 INSURANCE PREM ASSESSED 999 41810 175.92 FINANCE CHARGE 12/05/06 12/05/06 95800 0.00 SCHEDULED BILLING DATE 56,819.99 12/14/06 12/14/06 64000 900.00 17102 00052 TEL 64810 276.44 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 446.83 PAYMENT PRINCIPAL 64820 134.01 PAYMENT PRINCIPAL 57,400.83 12/14/06 12/14/06 93800 100.52 ACCRUAL - ACTIVITY 999 41810 100.52 FINANCE CHARGE 56,819.99 01/04/07 01/04/07 61830 42.72 LATE CHARGE ASSESSED 56,819.99 01/05/07 01/05/07 93800 335.85 ACCRUAL - DAILY SWEEP JCL 43840 49.77 INSURANCE PREM ASSESSED 999 41810 286.08 FINANCE CHARGE 01/05/07 01/05/07 95800 0.00 SCHEDULED BILLING DATE 56,310.98 01/11/07 01/11/07 64000 900.00 17102 00074 TEL 64810 348.27 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 372.31 PAYMENT PRINCIPAL 64820 136.70 PAYMENT PRINCIPAL 56,819.99 01/11/07 01/11/07 93800 62.19 ACCRUAL - ACTIVITY 999 41810 62.19 FINANCE CHARGE 56,310.98 02/05/07 02/05/07 61830 42.72 LATE CHARGE ASSESSED 56,310.98 02/05/07 02/05/07 93800 369.82 ACCRUAL - DAILY SWEEP JCL 43840 49.33 INSURANCE PREM ASSESSED 999 41810 320.49 FINANCE CHARGE 02/05/07 02/05/07 95800 0.00 SCHEDULED BILLING DATE 1 PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 122 1 PNC CONSUMER LENDING, BEL DATE B/15/2011 40 PNC�'BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN- TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 03/05/07 03/05/07 35934 0.00 RISK SCORE QTR CB SCR 56,310.98 03/05/07 03/05/07 93800 394.04 ACCRUAL - DAILY SWEEP JCL 43840 48.89 INSURANCE PREM ASSESSED 999 41810 345.15 FINANCE CHARGE 03/05/07 03/05/07 95800 0.00 SCHEDULED BILLING DATE 03/07/07 03/07/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 03/07/07 03/07/07 34515 0.00 CUST SEASONAL DATA CHANGE 56,310.98 03/07/07 03/07/07 61830 42.72 LATE CHARGE ASSESSED 56,226.71 03/08/07 03/08/07 64000 860.00 17102 00021 TEL 64810 690.29 PAYMENT INTEREST 64830 70.32 PAYMENT LATE CHRG 64830 15.12 PAYMENT LATE CHRG 64820 84.27 PAYMENT PRINCIPAL 56,310.98 03/08/07 03/08/07 93800 24.65 ACCRUAL - ACTIVITY 999 41810 24.65 FINANCE CHARGE 55,464.78 03/19/07 03/19/07 64000 897.32 17111 00345 TEL 64610 135.39 PAYMENT INTEREST 64820 619.81 PAYMENT PRINCIPAL 64820 142.12 PAYMENT PRINCIPAL 56,226.71 03/19/07 03/19/07 93800 135.39 ACCRUAL - ACTIVITY 999 41810 135.39 FINANCE CHARGE 55,464.78 04/04/07 04/04/07 61830 42.72 LATE CHARGE ASSESSED 55,464.78 04/05/07 04/05/07 93800 267.00 ACCRUAL - DAILY SWEEP JCL 43640 46.45 INSURANCE PREM ASSESSED 999 41810 218.55 FINANCE CHARGE 04/05/07 04/05/07 95800 0.00 SCHEDULED BILLING DATE 54,947.46 04/16/07 04/16/07 64000 900.00 17102 00169 TEL 64610 339.96 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 329.79 PAYMENT PRINCIPAL 64820 167.53 PAYMENT PRINCIPAL 55,464.78 04/16/07 04/16/07 93800 121.41 ACCRUAL - ACTIVITY 999 41810 121.41 FINANCE CHARGE 54,947.46 05/04/07 05/04/07 93800 276.54 ACCRUAL - DAILY SWEEP JCL 43840 48.00 INSURANCE PREM ASSESSED 999 41810 228.54 FINANCE CHARGE 05/04/07 05/04/07 95800 0.00 SCHEDULED BILLING DATE 54,947.46 05/07/07 05/07/07 61830 42.72 LATE CHARGE ASSESSED 05/31/07 05/31/07 34510 0.00 CUSTOMER PRIMARY DATA CHG I PNCBANK CORP HISTORY CARD REPORT &ALRS0566 00040 PAGE 123 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 c0 PNC SANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER T R A N S A C T I O N H I S T O R Y + ` + ` ` ` • + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 54,947.46 06/04/07 06/04/07 61830 42.72 LATE CHARGE ASSESSED 54,947.46 06/05/07 06/05/07 93800 432.45 ACCRUAL - DAILY SWEEP JCL 43840 47.55 INSURANCE PREM ASSESSED 999 41810 384.90 FINANCE CHARGE 06/05/07 06/05/07 95800 0.00 SCHEDULED BILLING DATE 06/26/07 06/26/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/27/07 06/27/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 07/03/07 07/03/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 54,200.52 07/05/07 07/05/07 64000 1,794.64 17102 00001 TEL 64810 962.26 PAYMENT INTEREST 64830 85.44 PAYMENT LATE CHRG 64820 516.67 PAYMENT PRINCIPAL 64820 230.27 PAYMENT PRINCIPAL 54,947.46 07/05/07 07/05/07 93800 395.92 ACCRUAL - ACTIVITY JCL 43840 47.10 INSURANCE PREM ASSESSED 999 41810 348.82 FINANCE CHARGE 54,200.52 07/05/07 07/05/07 61830 42.72 LATE CHARGE ASSESSED 54,200.52 07/05/07 07/05/07 93800 11.86 ACCRUAL - DAILY SWEEP 999 41810 11.86 FINANCE CHARGE 07/05/07 07/05/07 95800 0.00 SCHEDULED BILLING DATE 07/06/07 07/06/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 07/09/07 07/09/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 54,200.52 08/03/07 08/03/07 93800 390.72 ACCRUAL - DAILY SWEEP JCL 43840 46.64 INSURANCE PREM ASSESSED 999 41810 344.08 FINANCE CHARGE 08/03/07 08/03/07 95800 0.00 SCHEDULED BILLING DATE 54,200.52 08/06/07 08/06/07 61830 42.72 LATE CHARGE ASSESSED 08/23/07 08/23/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 53,309.08 08/23107 08/23/07 64000 1,558.25 17101 00014 TEL 64810 581.37 PAYMENT INTEREST 64830 85.44 PAYMENT LATE CHRG 64820 812.10 PAYMENT PRINCIPAL 64820 79.34 PAYMENT PRINCIPAL 54,200.52 08/23/07 08/23/07 93800 225.43 ACCRUAL - ACTIVITY 999 41810 225.43 FINANCE CHARGE 08/24/07 08/24/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 08/27/07 08/27/07 35934 0.00 RISK SCORE QTR CB SCR 53,309.08 09/04/07 09/04/07 61830 42.72 LATE CHARGE ASSESSED 53,309.08 09/05/07 09/05/07 93800 209.56 ACCRUAL - DAILY SWEEP 1 PNpaANK CORP HISTORY CARD REPORT PALRS0566 00040 PAGE 124 ' 1 PNC CONSUMER LENDING, BEL DATE 6/15/2011 40 PNC $ANK, NATIONAL ASSOCI 60 LOAN NUMBER AS OF 8/15/2011 * * * * * * * * T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF THAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION JCL 43640 46.19 INSURANCE PREM ASSESSED 999 41810 163.37 FINANCE CHARGE 09/05/07 09/05/07 95800 0.00 SCHEDULED BILLING DATE 53,309.08 10/05/07 10/05/07 61830 42.72 LATE CHARGE ASSESSED 53,309.08 10/05/07 10/05/07 93600 395.81 ACCRUAL - DAILY SWEEP JCL 43840 45.72 INSURANCE PREM ASSESSED 999 41810 350.09 FINANCE CHARGE 10/05/07 10/05/07 95800 0.00 SCHEDULED BILLING DATE 53,045.67 10/09/07 10/09/07 64000 897.32 17101 00035 TEL 64610 548.47 PAYMENT INTEREST 64830 85.44 PAYMENT LATE CHRG 64820 141.34 PAYMENT PRINCIPAL 64820 122.07 PAYMENT PRINCIPAL 53,309.08 10/09/07 10/09/07 93800 35.01 ACCRUAL - ACTIVITY 999 41810 35.01 FINANCE CHARGE 53,045.67 11/05/07 11/05/07 61830 42.72 LATE CHARGE ASSESSED 53,045.67 11/05/07 11/05/07 93800 370.39 ACCRUAL - DAILY SWEEP JCL 43840 45.26 INSURANCE PREM ASSESSED 999 41810 325.13 FINANCE CHARGE 11/05/07 11/05/07 95600 0.00 SCHEDULED BILLING DATE 11/21/07 11/21/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 11/23/07 11/23/07 34510 0.00 CUSTOMER PRIMARY DATA CHG 52,680.59 11/29/07 11/29/07 64000 1,000.00 17102 00084 TEL 64810 592.20 PAYMENT INTEREST 64630 42.72 PAYMENT LATE CHRG 64820 97.60 PAYMENT PRINCIPAL 64820 267.48 PAYMENT PRINCIPAL 53,045.67 11/29/07 11/29/07 93800 311.87 ACCRUAL - ACTIVITY JCL 43840 44.80 INSURANCE PREM ASSESSED 999 41810 267.07 FINANCE CHARGE 51,726.72 12/03/07 12/03/07 64000 1,000.00 17102 00177 TEL 64810 46.13 PAYMENT INTEREST 64820 540.98 PAYMENT PRINCIPAL 64820 412.89 PAYMENT PRINCIPAL 52,680.59 12/03/07 12/03/07 93800 46.13 ACCRUAL - ACTIVITY 999 41810 46.13 FINANCE CHARGE 51,726.72 12/05/07 12/05/07 61830 42.72 LATE CHARGE ASSESSED 51,726.72 12/05/07 12105/07 93800 33.97 ACCRUAL - DAILY SWEEP 999 41810 33.97 FINANCE CHARGE I PNQBANK CORP HISTORY CARD REPORT IALRS0566 00040 PAGE 125 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 140 PNC AUK, NATIONAL ASSOCI 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y * * ` BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAM TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 12/05/07 12/05/07 95800 0.00 SCHEDULED BILLING DATE 51,726.72 01/04/08 01/04/08 61830 42.72 LATE CHARGE ASSESSED 51,726.72 01/04/08 01/04/08 93800 383.89 ACCRUAL - DAILY SWEEP JCL 43840 44.32 INSURANCE PREM ASSESSED 999 41810 339.57 FINANCE CHARGE 01/04/08 01/04/08 95800 0.00 SCHEDULED BILLING DATE 51,437.33 01/14/08 01/14/08 64000 850.00 17101 00069 TEL 64810 441.70 PAYMENT INTEREST 64810 33.47 PAYMENT INTEREST 64830 85.44 PAYMENT LATE CHRG 64820 289.39 PAYMENT PRINCIPAL 51,726.72 01/14/08 01/14/08 93800 101.63 ACCRUAL - ACTIVITY 999 41810 101.63 FINANCE CHARGE 51,013.50 01/16/08 01/16/08 64000 446.29 17102 00038 TEL 64810 22.46 PAYMENT INTEREST 64820 423.83 PAYMENT PRINCIPAL 51,437.33 01/16/08 01/16/08 93800 22.46 ACCRUAL - ACTIVITY 999 41810 22.46 FINANCE CHARGE 01/30/08 01/30/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 01/30/08 01/30/08 34515 0.00 CUST SEASONAL DATA CHANGE 51,013.50 02/04/08 02/04/08 61830 42.72 LATE CHARGE ASSESSED 51,013.50 02/05/08 02/05/08 93800 277.71 ACCRUAL - DAILY SWEEP JCL 43840 43.85 INSURANCE PREM ASSESSED 999' 41810 233.86 FINANCE CHARGE 02/05/08 02/05/08 95800 0.00 SCHEDULED BILLING DATE 50,580.27 02/19/OB 02/19/08 64000 854.59 17111 00105 TEL 64810 378.64 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 433.23 PAYMENT PRINCIPAL 51,013.50 02/19/08 02/19/08 93800 144.78 ACCRUAL - ACTIVITY 999 41810 144.78 FINANCE CHARGE 02/25/08 02/25/08 35934 0.00 RISK SCORE QTR CB SCR 50,580.27 03/05/08 03/05/08 93800 220.04 ACCRUAL - DAILY SWEEP JCL 43840 43.37 INSURANCE PREM ASSESSED 999 41810 176.67 FINANCE CHARGE 03/05/08 03/05/08 95800 0.00 SCHEDULED BILLING DATE 50,580.27 03/06/08 03/06/08 61830 42.72 LATE CHARGE ASSESSED 49,983.83 03/10/08 03/10/08 64000 860.00 17102 00367 TEL 64810 220.84 PAYMENT INTEREST I PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 126 1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 ' 40 PNC"BANK, NATIONAL ASSOCI AS OF 8/15/2011 80 LOAN NUMBER * * * * * * * * * T R A N S A C T I O N H I S T O R Y + * + * + + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64830 42.72 PAYMENT LATE CHRG 64820 591.03 PAYMENT PRINCIPAL 64820 5.41 PAYMENT PRINCIPAL 50,580.27 03/10/08 03/10/08 93800 44.17 ACCRUAL - ACTIVITY 999 41810 44.17 FINANCE CHARGE 49,983.83 04/04/08 04/04/08 61830 42.72 LATE CHARGE ASSESSED 49,983.83 04/04/08 04/04/08 93800 326.60 ACCRUAL - DAILY SWEEP JCL 43840 42.90 INSURANCE PREM ASSESSED 999 41810 283.70 FINANCE CHARGE 04/04/08 04/04/08 95800 0.00 SCHEDULED BILLING DATE 04/22/08 04/22/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 04/23/08 04/23/06 34510 0.00 CUSTOMER PRIMARY DATA CHG 04/24/08 04/24/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 49,662.99 04/24/08 04/24/08 64000 854.59 17102 00057 TEL 64810 491.03 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 320.84 PAYMENT PRINCIPAL 49,983.83 04/24/08 04/24/08 93800 207.33 ACCRUAL - ACTIVITY 999 41810 207.33 FINANCE CHARGE 48,808.40 04/24/08 04/24/08 64000 854.59 17102 00059 TEL 64820 854.59 PAYMENT PRINCIPAL 47,953.81 04/24/08 04/24/08 64000 854.59 17102 00060 TEL 64820 854.59 PAYMENT PRINCIPAL 47,099.22 04/24/08 04/24/08 64000 854.59 17102 00061 TEL 64820 854.59 PAYMENT PRINCIPAL 47,099.22 07/03/08 07/03/08 93800 855.79 ACCRUAL - DAILY SWEEP JCL 43840 125.77 INSURANCE PREM ASSESSED 999 41810 730.02 FINANCE CHARGE 07/03/08 07/03/08 95800 0.00 SCHEDULED BILLING DATE 47,099.22 07/29/08 07/29/08 64000 854.59 17111 00010 TEL 64810 854.59 PAYMENT INTEREST 47,099.22 07/29/08 07/29/08 93800 297.99 ACCRUAL - ACTIVITY JCL 43840 40.94 INSURANCE PREM ASSESSED 999 41810 257.05 FINANCE CHARGE 47,099.22 08/05/06 08/05/08 93800 82.26 ACCRUAL - DAILY SWEEP 999 41810 82.26 FINANCE CHARGE 08/05/08 08/05/08 95800 0.00 SCHEDULED BILLING DATE 09/02/08 09/02/08 35934 0.00 RISK SCORE QTR CB SCR 46,694.25 09/02/08 09/02/08 64000 897.32 17111 00318 TEL I PNCBANK CORP HISTORY CARD REPORT #ALRS0566 00040 PAGE 127 1 PNC ,CONSUMER LENDING, BEL 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y • * + + + + BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY + « NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 64810 492.35 PAYMENT INTEREST 64820 362.24 PAYMENT PRINCIPAL 64820 42.73 PAYMENT PRINCIPAL 47,099.22 09/02/08 09/02108 93800 318.06 ACCRUAL - ACTIVITY JCL 43840 40.45 INSURANCE PREM ASSESSED. 999 41810 277.61 FINANCE CHARGE 46,694.25 09/05/08 09/05/08 93800 40.77 ACCRUAL - DAILY SWEEP 999 41810 40.77 FINANCE CHARGE 09/05/08 09/05/08 95800 0.00 SCHEDULED BILLING DATE 46,694.25 10/03/08 10/03/08 93800 325.37 ACCRUAL - DAILY SWEEP JCL 43840 39.94 INSURANCE PREM ASSESSED 999 41810 285.43 FINANCE CHARGE 10/03/08 10/03/08 95800 0.00 SCHEDULED BILLING DATE 46,694.25 10/06/08 10/06/08 61830 42.72 LATE CHARGE ASSESSED 46,694.25 11/04/08 11/04/08 61830 42.72 LATE CHARGE ASSESSED 46,694.25 11/05/08 11/05/08 93800 375.83 ACCRUAL - DAILY SWEEP JCL 43840 39.45 INSURANCE PREM ASSESSED 999 41810 336.38 FINANCE CHARGE 11/05/08 11/05/08 95600 0.00 SCHEDULED BILLING DATE 12/01/08 12/01/08 35934 0.00 RISK SCORE QTR CB SCR 12/01/08 12/01/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 12/02/08 12/02/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 46,694.25 12/05/08 12/05/08 61830 42.72 LATE CHARGE ASSESSED 46,694.25 12/05/08 12/05/08 93800 344.74 ACCRUAL - DAILY SWEEP JCL 43840 38.93 INSURANCE PREM ASSESSED 999 41810 305.81 FINANCE CHARGE 12/05/08 12/05/08 95800 0.00 SCHEDULED BILLING DATE 12/17/08 12/17/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 12/18/08 12/18/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 12/23/08 12/23/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,964.09 12/23/08 12/23/08 64000 2,000.00 17101 00032 TEL 64810 1,141.68 PAYMENT INTEREST 64830 128.16 PAYMENT LATE CHRG 64820 396.61 PAYMENT PRINCIPAL 64820 333.55 PAYMENT PRINCIPAL 46,694.25 12/23/08 12/23/08 93800 173.29 ACCRUAL - ACTIVITY 999 41810 173.29 FINANCE CHARGE 12/24/08 12/24/08 34510 0.00 CUSTOMER PRIMARY DATA CHG 01/05/09 01/05/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 1 PNCBANK CORP HISTORY CARD REPORT AALRS0566 00040 PAGE 128 '1 PNC CONSUMER LENDING, BEL DATE 8/15/2011 40 PNC BANK, NATIONAL ASSOCI 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 45,964.09 01/05/09 01/05/09 61830 42.72 LATE CHARGE ASSESSED 45,964.09 01/05/09 01/05/09 93800 179.05 ACCRUAL - DAILY SWEEP JCL 43840 38.43 INSURANCE PREM ASSESSED 999 41810 140.62 FINANCE CHARGE 01/05/09 01/05/09 95800 0.00 SCHEDULED BILLING DATE 45,157.49 01/07/09 01/07/09 64000 1,000.00 17111 00092 TEL 64810 150.68 PAYMENT INTEREST 64830 42.72 PAYMENT LATE CHRG 64820 327.64 PAYMENT PRINCIPAL 64820 478.96 PAYMENT PRINCIPAL 45,964.09 01/07/09 01/07/09 93800 10.06 ACCRUAL - ACTIVITY 999 41810 10.06 FINANCE CHARGE 45,157.49 02/04/09 02/04/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 02/05/09 02/05/09 93800 334.48 ACCRUAL - DAILY SWEEP JCL 43840 37.92 INSURANCE PREM ASSESSED 999 41810 296.56 FINANCE CHARGE 02/05/09 02/05/09 95800 0.00 SCHEDULED BILLING DATE 02/13/09 02/13/09 34515 0.00 CUST SEASONAL DATA CHANGE 02/24/09 02/24/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 03/02/09 03/02/09 35934 0.00 RISK SCORE QTR CB SCR 45,157.49 03/05/09 03/05/09 93800 314.18 ACCRUAL - DAILY SWEEP JCL 43840 37.40 INSURANCE PREM ASSESSED 999 41810 276.78 FINANCE CHARGE 03/05/09 03/05/09 95800 0.00 SCHEDULED BILLING DATE 03/09/09 03/09/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 03/09/09 03/09/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 04/03/09 04/03/09 93800 323.55 ACCRUAL - DAILY SWEEP JCL 43.840 36.88 INSURANCE PREM ASSESSED 999 41810 286.67 FINANCE CHARGE 04/03/09 04/03/09 95800 0.00 SCHEDULED BILLING DATE 45,157.49 04/06/09 04/06/09 61830 42.72 LATE CHARGE ASSESSED 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04114/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA I PNOBANK CORP HISTORY CARD REPORT .'1 PNC QQNSUMER LENDING, BEL #ALRS0566 00040 PAGE 129 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 BANK APP LOAN NUM TYP ST SHORT . + + + + + + + T R A N S A C T 1 0 N H I S T 0 R Y * + + + + + CURRENT EFFECT POST REF TRAM TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 A0194-USR-ARA 04/14/09 04/14/09 35515 0.00 C0194-USR-ARA 45,157.49 05/05/09 05/05/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 05/05/09 05/05/09 93800 352.68 ACCRUAL - DAILY SWEEP JCL 43840 36.36 INSURANCE PREM ASSESSED 999 41810 316.32 FINANCE CHARGE 05/05/09 05/05/09 95800 0.00 SCHEDULED BILLING DATE 06/01/09 06/01/09 35934 0.00 RISK SCORE QTR CB SCR 45,157.49 06/04/09 06/04/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 06/05/09 06/05/09 93800 342.27 ACCRUAL - DAILY SWEEP JCL 43840 35.83 INSURANCE PREM ASSESSED 999 41810 306.44 FINANCE CHARGE 06/05/09 06/05/09 95800 0.00 SCHEDULED BILLING DATE 06/10/09 06/10/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/11/09 06/11/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/22/09 06/22/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/23/09 06/23/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/29/09 06/29/09 35228 0.00 C0182-STP-ACR-ATY-COD 06/29/09 06/29/09 35782 0.00 MEMO STOP ACCRUALS 45,157.49 07/03/09 07/03/09 93800 312.08 ACCRUAL - DAILY SWEEP JCL 43740 35.30 INSURANCE DR STOP 999 41710 276.78 FINANCE CHG DEBIT STOP 07/03/09 07/03/09 95800 0.00 SCHEDULED BILLING DATE 45,157.49 07/06/09 07/06/09 61830 42.72 LATE CHARGE ASSESSED 07/20/09 07/20/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 07/21/09 07/21/0,9 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 08/04/09 08/04/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 08/05/09 08/05/09 93800 360.97 ACCRUAL - DAILY SWEEP JCL 43740 34.76 INSURANCE DR STOP 999 41710 326.21 FINANCE CHG DEBIT STOP 08/05/09 08/05/09 95800 0.00 SCHEDULED BILLING DATE 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA I PNCBANK CORP HISTORY CARD REPORT IfALRS0566 00090 +1 PNC CONSUMER LENDING, BEL PAGE 130 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 BANK APP T R A N S A C T I O N H I S T O R Y + + + LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAM TRANSACTION NAME BALANCE DATE DATE NUM CODE AMOUNT HISTORY DESCRIPTION 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 35515 0.00 A0194-USR-ARA 08/20/09 08/20/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 08/21/09 08/21/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 08/26/09 08/26/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 08/27/09 08/27/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 08/31/09 08/31/09 35934 0.00 RISK SCORE QTR CB SCR 45,157.49 09/04/09 09/04/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 09/04/09 09/04/09 93800 330.78 ACCRUAL - DAILY SWEEP JCL 43740 34.23 INSURANCE DR STOP 999 41710 296.55 FINANCE CHG DEBIT STOP 09/04/09 09/04/09 95800 0.00 SCHEDULED BILLING DATE 45,157.49 09/16/09 09/16/09 64000 2,000.00 17155 00005 TEL 64810 1,230.22 PAYMENT INTEREST 64810 479.91 PAYMENT INTEREST 64830 289.87 PAYMENT LATE CHRG 45,157.49 09/16/09 09/16/09 93800 108.74 ACCRUAL - ACTIVITY 999 41710 108.74 FINANCE CHG DEBIT STOP 09/22/09 09/22/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 09/23/09 09/23/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 10/05/09 10/05/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 10/05/09 10/05/09 93800 231.39 ACCRUAL - DAILY SWEEP JCL 43740 33.69 INSURANCE DR STOP 999 41710 197.70 FINANCE CHG DEBIT STOP 10/05/09 10/05/09 95800 0.00 SCHEDULED BILLING DATE 10/26/09 10/26/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 10/28/09 10/28/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 11/04/09 11/04/09 61830 42.72 LATE CHARGE ASSESSED 45,157.49 11/05/09 11/05/09 93800 339.59 ACCRUAL - DAILY SWEEP JCL 43740 33.15 INSURANCE DR STOP 999 41710 306.44 FINANCE CHG DEBIT STOP 11/05/09 11/05/09 95800 0.00 SCHEDULED BILLING DATE 11/23/09 11/23/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 11/24/09 11/24/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 11/30/09 11/30/09 35934 0.00 RISK SCORE QTR CB SCR 45,157.49 12/04/09 12/04/09 93800 319.26 ACCRUAL - DAILY SWEEP JCL 43740 32.59 INSURANCE DR STOP I PNCBANK CORP HISTORY CARD REPORT NALRS0566 00090 PAGE 131 1'PNC CONSUMER LENDING, BEL 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 T R A N S A C T I O N H I S T O R Y BANK APP LOAN NUM TYP ST SHORT CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY a NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 999 41710 286.67 FINANCE CHG DEBIT STOP 12/04/09 12/04/09 95800 0.00 SCHEDULED BILLING DATE 45,157.49 12/07/09 12/07/09 61830 42.72 LATE CHARGE ASSESSED 12/11/09 12/11/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 12/21/09 12/21/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 12/22/09 12/22/09 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 01/04/10 01/04/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 01/05/10 01/05/10 93800 348.37 ACCRUAL - DAILY SWEEP JCL 43740 32.05 INSURANCE DR STOP 999 41710 316.32 FINANCE CHG DEBIT STOP 01/05/10 01/05/10 95800 0.00 SCHEDULED BILLING DATE 01/06/10 01/06/10 34515 0.00 CUST SEASONAL DATA CHANGE 01/20/10 01/20/10 34515 0.00 CUST SEASONAL DATA CHANGE 01/22/10 01/22/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 01/26/10 01/26/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 02/04/10 02/04/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 02/05/10 02/05/10 93800 337.93 ACCRUAL - DAILY SWEEP JCL 43740 31.49 INSURANCE DR STOP 999 41710 306.44 FINANCE CHG DEBIT STOP 02/05/10 02/05/10 95800 0.00 SCHEDULED BILLING DATE 02/18/10 02/18/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 02/19/10 02/19/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 03/01/10 03/61/10 35934 0.00 RISK SCORE QTR CB SCR 45,157.49 03/05/10 03/05/10 93800 307.72 ACCRUAL - DAILY SWEEP JCL 43740 30.93 INSURANCE DR STOP 999 41710 276.79 FINANCE CHG DEBIT STOP 03/05/10 03/05/10 95800 0.00 SCHEDULED BILLING DATE 45,157.49 03/08/10 03/08/10 61830 42.72 LATE CHARGE ASSESSED 03/24/10 03/24/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 03/25/10 03/25/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 04/05/10 04/05/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 04/05/10 04/05/10 93800 336.80 ACCRUAL - DAILY SWEEP JCL 43740 30.37 INSURANCE DR STOP 999 41710 306.43 FINANCE CHG DEBIT STOP 04/05/10 04/05/10 95800 0.00 SCHEDULED BILLING DATE 04/22/10 04/22/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 04/23/10 04/23/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 05/05/10 05/05/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 05/05/10 05/05/10 93800 326.36 ACCRUAL - DAILY SWEEP 1 P14CEIANK CORP ' I PNC CONSUMER LENDING, BEL HISTORY CARD REPORT HALRS0566 00040 40 PNC BPOK, NATIONAL ASSOCI PAGE 132 80 LOAN NUMBER DATE 8/15/2011 AS OF 8/15/2011 HANK APP LOAN NUM TYP ST SHORT T R A N S A C T I 0 N H I S T 0 R Y * * * * * . . . * CURRENT EFFECT POST REF TRAM TRANSACTION NAME BALANCE DATE DATE NUM CODE AMOK HISTORY DESCRIPTION JCL 43740 29.80 INSURANCE DR STOP 999 41710 296.56 FINANCE CHG DEBIT STOP 05/05/10 05/05/10 95800 0.00 SCHEDULED BILLING DATE 05/21/10 05/21/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 05/24/10 05/24/10 35934 0.00 RISK SCORE QTR CB SCR 05/24/10 05/24/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 06/04/10 06/04/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 06/04/10 06/04/10 93800 325.78 ACCRUAL - DAILY SWEEP JCL 43740 29.23 INSURANCE DR STOP 999 41710 296.55 FINANCE CHG DEBIT STOP 06/04/10 06/04/10 95800 0.00 SCHEDULED BILLING DATE 06/18/10 06/18/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 06/21/10 06/21/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 07/02/10 07/02/10 93800 305.44 ACCRUAL - DAILY SWEEP JCL 43740 28.66 INSURANCE DR STOP 999 41710 276.78 FINANCE CHG DEBIT STOP 07/02/10 07/02/10 95800 0.00 SCHEDULED BILLING DATE 45,157.49 07/06/10 07/06/10 61830 42.72 LATE CHARGE ASSESSED 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0199-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 A0194-USR-ARA 07/21/10 07/21/10 35515 0.00 C0194-USR-ARA 07/21/10 07/21/10 35515 0.00 C0194-USR-ARA 07/22/10 07/22/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 07/23/10 07/23/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 45,157.49 08/04/10 08/04/10 61830 42.72 LATE CHARGE ASSESSED 45,157.49 08/05/10 08/05/10 93800 364.18 ACCRUAL - DAILY SWEEP JCL 43740 28.08 INSURANCE DR STOP 999 41710 336.10 FINANCE CHG DEBIT STOP 1 PNCAANK CORP �1 PNC CONSUMER LENDING, B£L HISTORY CARD REPORT NALRS0566 00040 40 PNC BANK, NATIONAL ASSOCI PAGE 133 DATE 8/1 80 LOAN NUMBER 512011 AS OF 8/15/2011 BANK APP LOAN NUM TYP ST. SHORT + + + + + + + + + T R A N S A C T I O N H I S T O R Y CURRENT EFFECT POST REF TRAN TRANSACTION NAME BALANCE DATE DATE NUM CODE AMOK. HISTORY DESCRIPTION 08/05/10 08/05/10 95800 0.00 SCHEDULED BILLING DATE 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/19/10 08/19/10 35515 0.00 A0194-USR-ARA 08/20/10 08/20/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 42,679.30 08/23/10 08/23/10 64000 3,000.00 17111 00083 TEL 64830 521.81 PAYMENT LATE CHRG 64820 2,126.77 PAYMENT PRINCIPAL 64820 351.42 PAYMENT PRINCIP 45,157.49 08/23/10 08/23/10 93800 168.05 ACCRUAL - ACTIVITY 999 41710 168.05 FINANCE CHG DEBIT STOP 08/31/10 08/31/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 09/01/10 09/01/10 34510 0.00 CUSTOMER PRIMARY DATA CHG 09/01/10 09/01/10 34515 0.00 CUST SEASONAL DATA CHANGE 42,679.30 09/03/10 09/03/10 93800 139.61 ACCRUAL - DAILY SWEEP JCL 43740 27.50 INSURANCE DR STOP 999 41710 112.11 FINANCE CHG DEBIT STOP 09/03/10 09/03/10 95800 0.00 SCHEDULED BILLING DATE 42,679.30 09/07/10 09/07/10 61830 42.72 LATE CHARGE ASSESSED 09/13/10 09/13/10 35934 0.00 RISK SCORE QTR CB SCR 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0199-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA I PNC13ANK CORP I PNC CONSUMER LENDING, BEL HISTORY CARD REPORT 40 PNC BANK, NATIONAL ASSOC, #ALRS0566 00040 PAGE 134 80 LOAN NUMBER DATE 8/25/2011 AS OF 8/15/2011 BANK APP LOAN Num TYP ST SHORT T R A N S A C T 1 0 N H I S T 0 R Y CURRENT EFFECT POST REF TRAN TRANSACTION NAME BALANCE DATE DATE NUM CODE HISTORY AMOUNT DESCRIPTION 09/22/10 09/22/10 35515 0-00 A0194-USR-ARA 09/22/10 09/22/10 35515 0.00 A0194-USR-ARA 09/23/10 09/23/10 34510 0-00 CUSTOMER PRIMARY DATA CHG 09/27/10 09/27/10 34510 0,00 CUSTOMER PRIMARY 42,679.30 10/05/10 10/05/10 61830 DATA CHG 42,679.30 10/05/10 10/05/10 42.72 LATE CHARGE ASSESSED 93800 325-87 ACCRUAL - DAILY SWEEP JCL 43740 26.91 INSURANCE DR STOP 10/05/10 10/05/10 999 41710 298.96 FINANCE CHG DEBIT STOP 10/21/10 10/21/10 95800 0.00 SCHEDULED BILLING DATE 35515 0.00 A0194-USR-ARA 10121110 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10121110 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10121110 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35525 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10/21/10 10/21/10 35515 0.00 A0194-USR-ARA 10/22/10 10/22/10 35515 0-00 C0194-USR-ARA 42,679.30 11/04/10 11/04/10 61830 42.72 LATE CHARGE ASSESSED 42,679.30 11/05/10 11/05/10 93800 315.95 ACCRUAL - DAILY SWEEP JCL 43740 26-33 INSURANCE DR STOP 999 41710 289-62 FINANCE CHG DEBIT STOP 11/05/10 11/05/10 95800 0.00 SCHEDULED BILLING DATE 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-APA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA 11/18/10 11/18/10 35515 0.00 A0194-USR-ARA { 1 PNCAANK CORP 1 PNC Cf7:n7SUMER LENDING, BEL HISTORY CARD REPORT 40 PNC BANK, NATIONAL #ALRS4565 00090 ASSN PAGE 135 80 LOAN NUMBER DATE 8/15/2011 AS OF 8/15/2011 BANK APP LOAN NUM + + r r r r r + r T R A N S A C H I S T O + + TYP ST SHORT CURRENT EFFECT T I O N R Y + + + r + NAME POST REF THAN TRANSACTION HISTORY BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 11/18/10 11/18/10 35515 0.00 A0199-USR-ARA 42,579.30 12/03/10 12!03!20 93800 287.33 ACCRUAL - DAILY SWEEP JCL 43740 25.73 INSURANCE DR STOP 999 41710 261.60 FINANCE CHG DEBIT STOP 12/03/10 12/03/10 95800 42,679.30 12/06/10 12/06/10 61834 0.00 SCHEDULED BILLING DATE 22/13/10 12/13!1.0 35834 42.72 LATE CHARGE ASSESSED 12/30/10 12/30/10 35515 0.Op RISK SCORE QTR CB SCR 12/30/10 12/30/10 35515 0.00 A0194-USR-ARA 12/30110 12t34f1G 35515 0.00 A0194-USR-ARA 0.00 A0194:- 12/30/10 12/30/10 35515 USR-ARA 12/30110 12/30/10 35515 0.00 A0199-USR-ARA 12/30/10 12/30/10 35515 0.00 A0194-USR-ARA 12/30/10 12/30/10 35515 0.00 A0194-USR-ARA 12/30/10 12/30/10 35515 0.00 A0199-USR-ARA 12/30/10 12/30/10 35515 0.00 A0194-USR-ARA 12/30/10 12/30/10 35515 0.00 A0194-USR-ARA 12/30/10 12/30/10 35515 G.00 A0194-USR-ARA O.Op A0194-USR-ARA 12/30/10 12/30/10 35515 12/30/10 12/30/20 35515 0-00 A0194-USR-ARA 01/03/11 02/03/11 35630 0.00 A0194-USR-ARA 42,679.30 01/04/11 01/04/11 61830 0.00 C0182-INT-PD-YTD 92,678.30 01/05/11 01/05/11 93800 42.72 LATE CHARGE ASSESSED 333.43 ACCRUAL - DAILY SWEEP JCL 43740 25.13 INSURANCE DR STOP 01/05/11 01/05/11 95BOO 999 41710 308.30 FINANCE CHG DEBIT STOP 92,679.30 02/04/11 02/04/11 61830 0.00 SCHEDULED BILLING DATE 42,679.30 02/04/11 02/04/11 42.72 LATE CHARGE ASSESSED 93800 304.81 ACCRUAL - DAILY SWEEP JCL 43740 24.53 INSURANCE DR STOP 999 41710 280.28 FINANCE CHG DEBIT STOP 02/09/11 02/09/11 95800 0.00 SCHEDULED BILLING DATE 02128/11 02f2$ill 35934 42,679.30 03/04/11 03/04/11 93800 0.00 RISK SCORE QTR CB SCR 285.53 ACCRUAL - DAILY SWEEP JCL 43740 23.93 INSURANCE DR STOP 03/04/11 03/04/11 999 261.60 FINANCE CHG DEBIT STOP 42,679.30 03/07 95800/11 03/07/11 0.00 SCHEDULED BILLING DATE 04/01l12 09/01!11 35850 42.72 LATE CHARGE ASSESSED 42:579.30 04/09/11 04/04/11 61830 0.00 NOW ACTIVE IN CACS 42.72 LATE CHARGE ASSESSED I PNCBANK CORP HISTORY CARD REPORT �'1 PNC C(1NSUMER LENDING, BEL IALRS0566 00040 PAGE 136 40 PNC BANK, NATIONAL ASSOCI DATE 8/15/2011 80 LOAN NUMBER AS OF 8/15/2011 + + { . T R A N S A C T I O N H I S T O R Y * • + BANK APP LOAN NUM TYP ST SHORT • + CURRENT EFFECT POST REF TRAN TRANSACTION HISTORY NAME BALANCE DATE DATE NUM CODE AMOUNT DESCRIPTION 42,679.30 04/05/11 04/05/11 93800 322.27 ACCRUAL - DAILY SWEEP JCL 43740 23.31 INSURANCE DR STOP 999 41710 298.96 FINANCE CHG DEBIT STOP 04/05/11 04/05/11 95800 0.00 SCHEDULED BILLING DATE 05/02/11 05/02/11 35934 0.00 RISK SCORE QTR CB SCR 42,679.30 05/05/11 05/05/11 61830 42.72 LATE CHARGE ASSESSED 42,679.30 05/05/11 05/05/11 93800 302.99 ACCRUAL - DAILY SWEEP JCL 43740 22.71 INSURANCE DR STOP 999 41710 280.28 FINANCE CHG DEBIT STOP 05/05/11 05/05/11 95800 0.00 SCHEDULED BILLING DATE 05/06/11 05/06/11 35275 0.00 C0182-STM-IND 42,679.30 06/03/11 06/03/11 93800 293.01 ACCRUAL - DAILY SWEEP JCL 43740 22.08 INSURANCE DR STOP 999 41710 270.93 FINANCE CHG DEBIT STOP 06/03/11 06/03/11 95800 0.00 SCHEDULED BILLING DATE 42,679.30 06/06/11 06/06/11 61830 42.72 LATE CHARGE ASSESSED 42,67.9.30 07/05/11 07/05/11 61830 42.72 LATE CHARGE ASSESSED 42,679.30 07/05/11 07/05/11 93800 320.44 ACCRUAL - DAILY SWEEP JCL 43740 21.47 INSURANCE DR STOP 999 41710 298.97 FINANCE CHG DEBIT STOP 07/05/11 07/05/11 95800 0.00 SCHEDULED BILLING DATE 08/01/11 08/01/11 35934 0.00 RISK SCORE QTR CB SCR 42,679.30 08/04/11 08/04/11 61830 42.72 LATE CHARGE ASSESSED 42,679.30 08/05/11 08/05/11 93800 310.46 ACCRUAL - DAILY SWEEP JCL 43740 20.84 INSURANCE DR STOP 999 41710 289.62 FINANCE CHG DEBIT STOP LOAN NUMBER 80 08/05/11 08/05/11 95800 0.00 SCHEDULED BILLING DATE - NUM ACCOUNTS I '§,_1680.403c. Notice requirements, PA ST 35 P.S.§1680.403c Purdon's Pennsylvania Statutes and Consolidated Statutes Title 35 P.S.Health and Safety(Refs&Annos) Chapter 18.Housing(Refs&Annos) Housing Finance Agency Law(Refs&Annos) Article IV-C.Homeowner's Emergency Assistance This section has been updated. Click here for the current version. 35 P.S. § 1680.403c § 1680.403c.Notice requirements Effective: [See Text Amendments]to September 7, 2oo8 (a)Any mortgagee who desires to foreclose upon a mortgage shall send to such mortgagor at this or her last known address the notice provided in subsection(b): Provided, however, That such mortgagor shall be at least sixty (60) days contractually delinquent in his mortgage payments or be in violation of any other provision of such mortgage. (b)(1)The agency shall prepare a notice which shall include all the information required by this subsection and by section 403 of the act of January 30, 1974 (P.L. 13, No. 6), referred to as the Loan Interest and Protection Law. This notice shall be in plain language and specifically state that the recipient of the notice may qualify for financial assistance under the homeowner's emergency mortgage assistance program.This notice shall contain the telephone number and the address of a local consumer credit counseling agency. This notice shall be in lieu of any other notice required by law. This notice shall also advise the mortgagor of his delinquency or other default under the mortgage and that such mortgagor has thirty(30)days to have a face- to-face meeting with the mortgagee who sent the notice or a consumer credit counseling agency to attempt to resolve the delinquency or default by restructuring the loan payment schedule or otherwise. (2)The notice under paragraph(1)must be sent by a mortgagee at least thirty(30)days before the mortgagee: (i)asks for full payment of any mortgage obligation;or (ii) begins any legal action, including foreclosure, for money due under the mortgage obligation or to take possession of the mortgagor's security. (3)The proposed notice under paragraph(1)shall be published by the agency in the Pennsylvania Bulletin within one hundred twenty(120)days of the effective date of this paragraph.The notice actually adopted for use by the agency shall be promulgated as part of the program guidelines required by section 401-C(B)I . (4) If the mortgagor meets with a consumer credit counseling agency, the consumer credit counseling agency shall promptly notify all of the mortgagees secured by the mortgagor's real property,and no mortgagee so notified shall commence any legal action against the mortgagor's real property for a period not to exceed thirty(30)calendar days from the date that the mortgagor first meets with he consumer credit counseling agency. (5)The notice shall include a statement that,if the mortgagor is unable to resolve the delinquency or default within thirty(30) calendar days of the mortgagor's first contact with either the mortgagee or a consumer credit counseling agency,the mortgagor may apply to the agency or its duly authorized agent at the address and phone number listed in the notice in order to obtain an application and information regarding the homeowner's emergency mortgage assistance program. (6)If the mortgagor applies for mortgage assistance payments,the agency shall promptly notify all of the mortgagees secured by the mortgagor's real property.The agency shall make a determination of eligibility within sixty(60)calendar days of receipt EXHIBIT ..)2012�Thomson Reuters. No c€aim to orip,na I 11.S. ('overinm mt IN o; � 1 ^ ' _ &.1 ` Nodcerequiromneotm' PAST35P.S.§ 1GWD.4D3c of the mortgagor's application. During the time that the application is pending,no mortgagee may commence legal action to foreclose upon its mortgage with the mortgagor. (c)If the mortgagor fails to meet with the mortgagee or consumer credit counseling agency or meet any of the time limitations upeoificdiu the notice orif the mortgagor's application for mortgage assistance payments io denied, the mortgagee may, a1 any time thereafter, take any legal action to enforce the mortgage without any further restriction or requirements under this article.Financial institutions shall not be the duly authorized agents of the agency for the purpose of making any decision on the approval of assistance under this act. (d)If,after a face-to-face meeting,the mortgagor and the mortgagee reach an agreement to resolve the delinquency or default as provided for in section 403-C(b)and if,because of circumstances beyond the mortgagor's control,the mortgagor is unable 0nfblfiD the obligations of that agreement,the mortgagor may apply to the agency or its duly authorized agent for assistance under this article within thirty (30) days of any default io payment under the agreement previously reached. The mortgagee shall not be required to send any additional notice pursuant tn this article. (e)All parties requiring notice pursuant to this article shall be deemed to receive notice on the third business day following the date of the mailing oy the notice us documented 6yauertiGoateo{nuai)iogob1aiocdGonot6el�nitedStatcaPoutal8en/lce. (f)Notwithstanding any other provisions of this section,a mortgagee shall not be required to send the uniform notice provided iu subsection(6): (l) to any mortgagor who in more than twenty-four(24) consecutive or nonconsecutive omotho in arrears on the residential mortgage iu question,uo matter what the reason therefor; or (2)where the aggregate amount of arreamgem due toa mortgagee pumuuotnothotonmooythemmtgage,withoutz*gard to any acceleration under the mortgage including,but not limited to,the amount of principal,interest,taxes,assessments,ground rents, hazard insurance,any mortgage insurance or credit insurance premiums,exceeds the sum of sixty thousand($60,000)dollars. (g)Notwithstanding any other provisions of this section,a mortgagee shall not be required to send the uniform notice provided in subsection(b)to any mortgagor who has already been sent the uniform notice and: � (l)who did not apply for u mortgage assistance loan; ! (2)who applied for a mortgage assistance loan but whose application was denied;o/ (3)whose mortgage assistance disbursements were terminated by the agency for any reason. Unless the mortgagor has cured his or her mortgage delinquency,by means of a mortgage assistance loan or otherwise,receipt of partial payments of arrears from the mortgagor, subsequent to the sending nfthe uniform notice, shall not mean that the mortgagee must send a new uniform notice to the mortgagor prior to legal action being taken om enforce the mortgage.Auniform notice sent to the mortgagor,while the mortgagor was in bankruptcy,shall be valid for the purpose of this act and no new uniform notice need be provided as a result of any discharge or dismissal of the bankruptcy petition or relief from the automatic stay. Credits 1959,Dec. 3,P.L 1688, No. 621, art. IV-C, § 403-C, added 1983,Dec, 22, P.L. 385,No. 41, § 2, iood. effective. Amended lV&4` May 3}.RL 364,No. 73, § 2, i,ud. effective; 1992, Dec. 18,yI. 1652,No. 182, § 8, iro6. effective; 1998,Dec. 21, P.L 1258,No. 160,§2cffeodve io6Odays. Foutuu«co 1 35l!S.& 1680.401o. End v/umcamoot z0)zmmu,m,nm,tcmmudaiinm original u.S,Government Woeks, 20i2 Thomson Reuters, No claim to 0/io,�naf U,S, Government VVorks, 2 ^ , � . 01GOO.4V3o Notice requirements,PAST35P.S.@1G8V,403u Purdnn'o Pennsylvania Statutes and Consolidated Statutes ^ Title 35 P.8.Health and Safety(Refs XcA000u Chapter z8.Housing(Refs 8c/bnono) Housing Finance Agency Law(Refs&cA0000) Article IV-C.Homeowner's Emergency Assistance 35P'0'§1680.4o3C §/680.4o3c.Notice requirements Effective:September 8,2oo0 Currentness (a)Any mortgagee who desires to foreclose upon a mortgage shall send to such mortgagor at this or her last known address the notice provided in subsection(b): Provided,however,That such mortgagor shall be at least sixty(60)days contractually delinquent in his mortgage payments or be in violation of any other provision of such mortgage. / (b)(l)The agency shall prepare u notice which shall include all the information required ly this subsection and ly section 4O3 of the act of January 30, 1974(P.L. 13,No.6),referred to as the Loan Interest and Protection Law and referred to commonly ax the Usury Law.This notice shall hnio plain language and apecifioxDystate that the recipient uf the notice may qualify for fiuuocju|assistance under the Homeowner's Emergency Mortgage Assistance Program.This notice shall contain the telephone number and the address ofu local consumer credit counseling agency.This notice shall boio lieu of any other notice required by law.This notice shall also advise the mortgagor of his delinquency or other default under the mortgage,including an itemized breakdown of the total amount past due,and that such mortgagor has thirty(30)days,plus three(3)days for mailing,to have a face-to-face meeting with a consumer credit counseling agency to attempt to resolve the delinquency or default by restructuring the loan payment schedule or otherwise.The mortgagee or other person sending the notice m the mortgagor shall simultaneously send a copy of each notice issued to the agency by regular mail,facsimile,electronic mail or another means of electronic transfer in accordance with agency guidelines. In lieu of sending a copy of each notice,the mortgagee or other person charged with | 000dbog the notice may provide the agency,within thirty(30)days of the end of each calendar quarter,a report listing the notices � sent during the prior calendar quarter arranged by property address including zip code. (2)The notice under paragraph(l)must he sent hyu mortgagee c¢least thirty(30 days before the mortgagee: (i)asks for full payment uf any mortgage obligation;or (ii)begins any legal action,including foreclosure, for money due under the mortgage obligation or to take possession of the mortgagor's security. (3)The proposed notice under paragraph(1)shall be published by the agency in the Pennsylvania Bulletin within one hundred twenty(120)days of the effective date of this paragraph.The notice actually adopted for use by the agency shall be promulgated oe part of the program guidelines required hy section 40l-C(h).z (4)If the mortgagor meets with a consumer credit counseling agency,the consumer credit counseling agency shall promptly notify all of the mortgagees secured by the mortgagor's real property,and no mortgagee so notified shall commence any legal action against the mortgagor's real property for a period not to exceed thirty(30)calendar days from the date that the mortgagor fimtmeets with the consumer credit counseling agency. (5)The notice shall include u statement that the mortgagor must have afbce'm'faoe meeting with one of the designated consumer credit counseling agencies within thirty(30)calendar days plus three(3)additional days for mailing. d EXHIBIT "'V E VVestl&,vNeXU 20*112 Thornson Routers, No claim to original U.S. Government W ^ ^ . � §1Vgo.4V3n Notice requirements,PAGT35PS.01080.403c (6)If the mortgagor applies for mortgage assistance payments,the agency shall promptly notify all of the mortgagees secured by the mortgagor's real property.The agency shall make a determination of eligibility within sixty(60)calendar days of receipt oy the mortgagor's application.During the time that the application iupending,oo mortgagee may commence legal action to foreclose upon its mortgage with the mortgagor.The agency shall provide notice to the mortgagee if an administrative appeal is filed. (?) An upy6ogiuu for mortgage assistance may be submitted to the agency beyond the thirty (30)+day period specified in paragraph (5), and, in such ouoc, the agency shall make u determination within sixty (60) calendar days of receipt of the mortgagor's application.A late application or an administrative appeal will not stay foreclosure proceedings,but,im the event the application is approved by the agency,a commenced foreclosure proceeding shall be stayed unless and until the mortgagor fails»m proceed vo closing and the agency rescinds its approval. (c)If the mortgagor fails to meet with the mortgagee or consumer credit counseling agency or meet any of the time limitations apouificdio the notice orif the mortgagor's application for mortgage assistance payments ia denied, the mortgagee may, /u any time thereafter, take any iogu/ action to enforce the mortgage without any further restriction or requirements under this / article.Financial institutions shall not be the duly authorized agents of the agency for the purpose of making any decision on the approval nf assistance under this act. (d)If,after ufm*m'face meeting,the mortgagor and the mortgagee reach an agreement to resolve the delinquency or default as provided for in section 403-C(b)and if,because of circumstances beyond the mortgagor's control,the mortgagor is unable wb^|fiU the obligations uf that agreement,the mortgagor may apply m the agency o,its duly authorized agent for assistance under this article within thirty(3O) days of any default in payment under the agreement previously reached. The mortgagee shall not bo required m send any additional notice pursuant m this article. (e)All parties requiring notice pursuant to this article shall be deemed to receive notice on the third business day following the date of the mailing of the notice as documented by a certificate of mailing obtained frorn the United States Postal Service. (f)Notwithstanding any other provisions of this section,a mortgagee shall not be required to send the uniform notice provided io subsection(h): (1)to any mortgagor who io more than twenty-four(24)consecutive or nonconsecutive months in aouuro oo the residential mortgage in question,nu matter what the reason therefor;or (2)where the aggregate amount ofuzruumgem due tou mortgagee pursuant tu the terms of the mortgage,without regard ooany acceleration under the mortgage including,but not limited to,the amount of principal,interest,taxes,assessments,ground rents, hazard insurance,any mortgage insurance or credit insurance p,omiumo,*oouedmdbexmmofoixty/bouauod($60.00O)doUuu (g)Notwithstanding any other provisions of this section,a mortgagee shall not be required to send the uniform notice provided in subsection(b)to any mortgagor who has already been sent the uniform notice and: (l)who did not apply for u mortgage assistance loan; (2)who applied for a mortgage assistance loan but whose application was denied;or (3)whose mortgage assistance disbursements were terminated by the agency for any reason. Unless the mortgagor has cured his or her mortgage delinquency,by means of a mortgage assistance loan or otherwise,receipt of partial payments ofarrears from the mortgagor, subsequent to the sending uf the uniform notice, shall not mean that the mortgagee must send a new uniform notice to the mortgagor prior to legal action being taken to enforce the mortgage.A uniform notice sent to the mortgagor,while the mortgagor was in bankruptcy,shall be valid for the purpose of this act and no new uniform notice need be provided as a result of any discharge or dismissal of the bankruptcy petition or relief from the automatic stay. 2012 Thomson Routers. No claim ioorigiom| U,S. Oovm/nmmntVVorha 2 I e §1680:403c.Notice requirements,PA ST 35 P.S.§1680.403c � Credits 1959,Dec. 3,P.L. 1688,No. 621, art. IV-C, § 403-C,added 1983,Dec. 23, P.L. 385,No. 91, § 2, imd. effective. Amended 1984,May 31,P.L.364,No.73,§2,imd.effective; 1992,Dec. 18,P.L. 1652,No. 182,§8,imd.effective; 1998,Dec.21,P.L. 1258,No. 160,§2 effective in 60 days;2008,July 8,P.L. 841,No.60, §2,effective in 60 days[Sept. 8,2008]. Notes of Decisions(25) Current through 2012 Regular Session Act 22 Footnotes 1 41 P.S.§403. 2 35 P.S.§ 1680.401 c. 1'r;ttd of'IDocument ,D 2012 Thomson ReWers.No claim to oriilinal t;.S.<:i)v rnment�'( ks. w #tnaa.[9 Kt": 2012 Thomson Reuters, No c<oirla tO Uigirta U.S. Government IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. � )D. 331 VS. RAYMOND D. FAHNESTOCK PRAECIPE TO LIST FOR AND CAROL S. MCKEE, ARGUMENT Defendants. Filed on behalf of PNC BANK,NATIONAL ASSOCIATION, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D.No. 83746 Michael C. Mazack, Esquire Pa I.D. #205742 Stefan A. Dann, Esquire Pa. I.D.No. 306507 TUCKER ARENSBERG, P.C. Firm#287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 Telephone: (412) 566-1212 a �2-l�g�qas IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 2012-331 Civil VS. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) PRAECIPE TO LIST FOR ARGUMENT To: Prothonotary, Cumberland County Kindly list for argument the Motion for Summary Judgment filed by the Plaintiff in the case identified above. Respectfully submitted, TUC N E ,P.0 By Brett A. 96romon,Esquire 1500 One PPG Place Pittsburgh, PA 15222 (412)566-1212 Attorneys for Plaintiff BANK FIN:467579-1 000011-153652 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Praecipe to List for Argument was served upon the parties listed below,via postage pre-paid mail as follows; Charles J. Hartwell, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 Carol S. McKee 424 Rear S Baltimore Avenue Mt. Holly Springs, PA 17065 B ett A. Solomon, Esquire BANK FIN:467579-1 000011-153652 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) --------------------------------------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) PNC Bank, National Association vs. Raymond D. Fahnestock & Carol S. McKee ` No. �© 1 Term 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 all counsel who will argue cases: (a) for plaintiffs: Brett A. Solomon, Esquire,Tucker Arensberg, P.C., 1500 One PPG Place, Pgh, PA 15222 (Name and Address) (b) for defendants: For Defendant:Raymond D.Fahnestock,Charles J.Hartwell,Esquire,Dethlefs-Pykosh Law Group,LLC,2132 Market Street,Camp Hill,PA 17011 (Name and Address) For Defendant: Carol S. McKee,424 Rear S. Baltimore Avenue, Mt. Holly Springs, PA 17065 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: December 20,2013 S gn re �o Print your name Brett A. Solomon, Esquire Date: 12/3/13 Attorney for ;�� � INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary) before argument. 2.The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary)after the case is relisted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil vs. CERTIFICATE OF SERVICE OF RAYMOND D. FAHNESTOCK MOTION FOR SUMMARY AND CAROL S. MCKEE, JUDGMENT,BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT Defendants. AND THE COURT'S NOTICE OF ARGUMENT Filed on behalf of Plaintiff, PNC BANK,NATIONAL ASSOCIATION Counsel of record for this party: Brett A. Solomon, Esquire Pa I. D. #83746 Michael C. Mazack, Esquire Pa I.D. #205742 Stefan A. Dann, Esquire Pa I.D. #306507 TUCKER ARENSBERG,P.C. Firm#287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412)566-1212 F rrt C=1 P1 .__ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION ) Plaintiff, ) No. 2012-331 Civil ) vs. ) ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) ) Defendants. ) CERTIFICATE OF SERVICE OF THE MOTION FOR SUMMARY JUDGMENT, BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT AND THE COURT'S NOTICE OF ARGUMENT The undersigned hereby certifies that on this ` day of December, 2013, a true and correct copy of the within Motion for Summary Judgment, Brief in Support of Motion for Summary Judgment and the Court's Notice of Argument, were served on the parties below by first class, U.S. Mail, postage prepaid, at the following address: Charles J. Hartwell, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 Carol S. McKee 424 Rear S Baltimore Avenue Mt. Holly Springs,PA 17065 TUCKE' RENSB 'G, P. Brett A. Solomon, :MIFF- BANK FIN:468530-1 000011-153652 PNC BANK,NATIONAL • IN THE COURT OF COMMON PLEAS OF ASSOCIATION, ; CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff • CIVIL ACTION—LAW vs. • NO. 2012-331 CIVIL • • RAYMOND D. FAHNESTOCK • and CAROL S. MCKEE, • Defendants • MORTGAGE FORECLOSURE IN RE: MOTION FOR SUMMARY JUDGMENT ORDER AND NOW, this 2" day of January, 2014,the parties having failed to appear for oral argument on the Motion for Summary Judgment, said Motion is DISMISSED. BY THE COURT, Kevi, A. Hess, P. J. ✓ Brett A. Solomon, Esquire Tucker Arensberg, PC 1500 One PPG Place Pittsburgh, PA 15222 For the Plaintiff ./ Charles J. Hartwell, Esquire 2132 Market Street Camp Hill, PA 17011 For the Defendants '= Court Administrator — AA :rlm Vie. S )17. 1 1SL 1 c 's-ALL: �/a�/iy PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) --------------------------------------------------------------------------------------------------------------- CAPTION OF CASE t- (entire caption must be stated in full) M PNC Bank, National Association r— --4 c .. Raymond D. Fahnestock & Carol S. McKee :. No. 2012 331 Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint,etc.): Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Brett A. Solomon,Esquire,Tucker Arensberg, P.C., 1500 One PPG Place, Pgh, PA 15222 (Name and Address) (b) for defendants: For Defendant Raymond D.Fahnestock,Charles J.Hartwell,Esquire,Dethlefs-Pykosh Law Group,LLC,2132 Markel Street,Camp Hill,PA 17011 (Name and Address) For Defendant: Carol S. McKee,424 Rear S.Baltimore Avenue, Mt. Holly Springs, PA 17065 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Si ature 16 rte i-_ Print your name Brett A. Solomon, Esquire Attorney for Date: t J INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary) before argument. 2.The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR(not the Prothonotary)after the case is relisted. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 vs. RAYMOND D.FAHNESTOCK PRAECIPE TO RE-LIST FOR AND CAROL S. MCKEE, ARGUMENT Defendants. Filed on behalf of PNC BANK,NATIONAL ASSOCIATION, Plaintiff Counsel of record for this party: Brett A. Solomon,Esquire Pa. I.D.No. 83746 Michael C. Mazack,Esquire Pa I.D.#205742 Stefan A.Dann, Esquire Pa. I.D.No. 306507 TUCKER ARENSBERG,P.C. Firm#287 1500 One PPG Place Pittsburgh,Pennsylvania 15222 Telephone: (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 2012-331 Civil VS. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) PRAECIPE TO RE-LIST FOR ARGUMENT To: Prothonotary,Cumberland County Kindly re-list for argument the Motion for Summary Judgment filed by the Plaintiff in the case identified above. Respectfully submitted, TU C. B B PA. mon,Esquire 1500 One PPG Place Pittsburgh,PA 15222 (412) 566-1212 Attorneys for Plaintiff BANK FIN:469987-1 000011-153652 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Praecipe to Re-List for Argument was served upon the parties listed below,via postage pre-paid mail as follows; Charles J.Hartwell, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill,PA 17011 Carol S.McKee 424 Rear S Baltimore Avenue Mt. Holly Springs,PA 17065 Brett A. Solomon, Esquire BANK FIN:469987-1 000011-153652 r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA PNC BANK,NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No.2012-331 Civil VS. ) RAYMOND D.FAHNESTOCK ) AND CAROL S. MCKEE, ) Defendants. ) ORDER OF COURT AND NOW, to wit, this /8" day of 46ov" , 201 it is hereby ORDERED, ADJUDGED and DECREED that Plaintiff's Motion for Summary" Judgment is granted. It is further ORDERED, ADJUDGED and DECREED that Judgment in mortgage foreclosure is hereby entered in favor of the Plaintiff, PNC Bank, National Association, and against Defendant Raymond D. Fahnestock, in the amount of $53,539.42, plus interest from December 30, 2011 at the contract rate, reasonable attorneys fees and costs of suit. BY THE COURT: J. � --, zM cnr- zo CD z BANK_FIN:431036-1 000011-153652 CP PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) C rn- PNC Bank, National Association Wiz_ _, vs. c i -*,3 c "f c -- c No. 2012 331 Terra. °.' CAPTION OF CASE (entire caption must be stated in full) Raymond D. Fahnestock & Carol S. McKee 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 all counsel who will argue cases: (a) for plaintiffs: Brett A. Solomon, Esquire, Tucker Arensberg, P.C., 1500 One PPG Place, Pgh, PA 15222 (Name and Address) (b) for defendants: For Defendant: Raymond D. Fahnestock, Charles J. Hartwell, Esquire, Dethlefs - Pykosh Law Group, LLC, 2132 Market Street, Camp Hill, PA 17011 (Name and Address) For Defendant: Carol S. McKee, 424 Rear S. Baltimore Avenue, Mt. Holly Springs, PA 17065 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: 1113111 INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ,. ADMINISTRATOR (not the Prothonotary) after the case is relisted. a 'AA / If /7 Shature reil- So1oywn Print your name Brett A. Solomon, Esquire Attorney for Ctk 37(ao) )2 # 3�2?8'/ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012 -331 vs. RAYMOND D. FAHNESTOCK PRAECIPE TO RE -LIST FOR AND CAROL S. MCKEE, ARGUMENT Defendants. Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa I.D. #205742 Stefan A. Dann, Esquire Pa. I.D. No. 306507 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 Telephone: (412) 566 -1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil PRAECIPE TO RE-LIST FOR ARGUMENT To: Prothonotary, Cumberland County Kindly re-list for argument the Motion for Summary Judgment filed by the Plaintiff in the case identified above. BANK FIN:469987-1 000011-153652 Respectfully submitted, TU on, Esquire 1500 One PPG Place Pittsburgh, PA 15222 (412) 566-1212 Attorneys for Plaintiff CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Praecipe to Re-List for Argument was served upon the parties listed below, via postage pre-paid mail as follows; Charles J. Hartwell, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 Carol S. McKee 424 Rear S Baltimore Avenue Mt. Holly Springs, PA 17065 Brett A. Solomon, Esquire BANK FIN:469987-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil vs. PRAECIPE FOR ENTRY OF JUDGMENT RAYMOND D. FAHNESTOCK PURSUANT TO ORDER OF COURT AND CAROL S. MCKEE, Defendants. Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff . Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa I.D. No. 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 261&("17/1 10 gizy %(a4v' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil PRAECIPE FOR ENTRY OF JUDGMENT Kindly enter judgment in favor of Plaintiff, PNC Bank, National Association, and against Cahls Defendants, Raymond D. Fahnestock aftimErin the amount of $53,539.42, plus interest from December 30, 2011 at the contract rate, reasonable attorneys fees and costs of suit, pursuant to the Order granting Summary Judgment dated February 18, 2014, a copy of which is attached hereto and incorporated herein as Exhibit "A". BANK_FIN:481589-1 000011-153652 TUCKER ARENSB Bre t A. Sol • on, Esquire Attorneys for PNC Bank, National Association, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil NOTICE OF ORDER, DECREE OR JUDGMENT TO: [ ] Plaintiff; [X] Defendant; [ ] Garnishee: You are hereby notified that in the above case, the following Order, Decree or Judgment has been entered against you on �, . \e, , 2014: [X] Summary Judgment in the amount of $53,539.42, plus interest from December 30, 2011 at the rate of $9.34 per diem, reasonable attorneys fees and costs of suit. Trespass Judgment for Liability. Trespass Judgment in the amount of $ plus costs. If a motor vehicle trespass judgment is not satisfied within sixty (60) days, your motor vehicle operator's license will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, Pennsylvania. [X] Entry of Judgment of [ X ] Court Order, [ ] Non -Pros [ ] Default [ ] Verdict [ ] Default Liability [X ] Summary Judgment dated February 18, 2014 [ ] Other: Applicable brackets have been checked [X]. Prothonotary, Cumberland County • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil ORDER OF COURT AND NOW, to wit, this day of ff1�vt,, 201 it is hereby ORDERED, ADJUDGED and DECREED that Plaintiff's Motion for Summary Judgment is granted. It is further ORDERED, ADJUDGED and DECREED that Judgment in mortgage foreclosure is hereby entered in favor of the Plaintiff, PNC Bank, National Association, and against Defendant Raymond D. Fahnestock, in the amount of $53,539.42, plus interest from December 30, 2011 at the contract rate, reasonable attorneys fees and costs of suit. BANK_FIN:43 1 036-1 000011-153652 BY THE COURT: =7, CO 160 ',711 z•-• I.UIVIt3tKLANU I:UUN I T FM/INC/NO I AAT Uttll:t - latNtKAL F-UNU Check Date: 06/05/2014 Case No. Defendant * 2326 * Descriptions Amt Released Receipt 12-00331 PNC BANK NATIONAL ASSOCIATION REFUND 28.50 306885 Check Amount: INFOCOaRPORATION[L1558H13] 4681375 David D. Buell CUMBERLAND COUNTY PROTHONOTARY OFFICE GENERAL FUND 1 COURTHOUSE SQUARE, SUITE 100 CARLISLE, PA 17013 ORRSTOWN BANK SHIPPENSBURG, PA 60-1503/313 CHECK DATE CHECK NUMBER PAY THIS AMOUNT 06/05/2014 : 2326 $28.50 TO THE ORDER OF SOLOMON BRETT A 2012-00331 Twenty Eight And 50/100 Dollars AUTHORIZED SIGNATURE 10100 23 26o 1:0 3 1 3 L SO 361: L08 L L L L 7 1i1' RECEIPT FOR PAYMENT ** DUPLICATE ** Cumberland County Prothonotary's,Office Carlisle, Pa 17013 PNC BANK NATIONAL Case Number Remarks ASSOCIATION 2012-00331 PD BY ATTY SOLOMON BH Receipt Date 6/02/2014 Receipt Time 10:14:11 Receipt No. 306649 (vs) FAHNESTOCK RAYMOND D ET AL Total Non -Cash. + 28.50 PYMT/CHECK Total Cash + .00 Change - .00 Total Paid $28.50 Distribution Of Payment Transaction Description WRIT OF EXEC CUMBERLAND CO GENERAL FUND Ref# 376302 Payment Amount 28.50 $28.50 10473806052014 PYS380 Payee Name SOLOMON BRETT A Cumberland County Prothonotary's Office Page: 1 Check Register Costs & Fees Tran Receipt Case Trans Check Check Check - Rel Date Desc No No Amount Date No Amount REFUND 6/05/2014 TRNS ESC IN 306885 12-00331 28.50 06/05/2014 2326 28.50 ** Total Amount Released 28.50 End of Listing RECEIPT FOR TRANSFER Cumberland County Prothonotary's Office Receipt Date 06/05/2014 Carlisle, Pa 17013 Receipt Time 10:34:53 Receipt No. 306885 PNC BANK NATIONAL ASSOCIATION ONE PNC PLAZA 249 FIFTH AVENUE PITTSBURGH, PA 15222 Case Number 2012-00331 Remarks TAKEN IN ERROR BH REFUNDED RKS Distribution Of Adjustment Transaction Payee This Adj WRIT OF EXEC CUMBERLAND CO GENERAL FUND 28.50 - REFUND SOLOMON BRETT A 28.50 IL IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 CIVIL vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendant. PRAECIPE TO REINSTATE COMPLAINT TO: PROTHONOTARY Please reinstate the Complaint in the above -captioned matter. TUCKER ARENSBERG, P.C. BANK FIN:482390-1 000011-153652 7.-7) —o Brett A. Solomon, E • ulre Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa. I.D. No. 205742 1500 One PPG Place Pittsburgh, PA 15222 Telephone: (412) 566-1212 CD cIv 1IT1�tbfi2 ekA ?7(g7?( 16, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 CIVIL vs. RAYMOND D. FAHNESTOCK PRAECIPE TO REINSTATE COMPLAINT AND CAROL S. MCKEE, IN MORTGAGE FORECLOSURE Defendants. Code: 140 Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa I.D. #83746 Michael C. Mazack, Esquire PA I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh , Pennsylvania 15222 (412) 566-1212 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson , Sheriff ` xd�ti 4 arar+t¢� c PRO i (-�O�'O ir�,t ; Jody S Smith �, Chief Deputy ' ..: 01 JUN25 PH 3' ,_4l Richard W Stewart ' '` 1'y Solicitor OF!r:,EQu TRE$tfERIFP CIUMBERLAt� �,L}LidAj PPMSYLVANIA PNC Bank, National Association Case Number vs. Raymond D. Fahnestock(et al.) 2012-331 SHERIFF'S RETURN OF SERVICE 06/16/2014 02:59 PM- Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Carol S. McKee at 77 Big Spring Terrace, West Pennsboro Township, Newville, PA 17241. r-- C RISTOP R ARPE, DEPUTY SHERIFF COST: $41.56 SO ANSWERS, Z June 17, 2014 RbNW R ANDERSON, SHERIFF (C)Cou fySui;e Shea`,Te{eosof*.,,nc. •t. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 CIVIL vs. RAYMOND D. FAHNESTOCK PRAECIPE TO REINSTATE COMPLAINT AND CAROL S. MCKEE, IN MORTGAGE FORECLOSURE Defendants. Code: 140 Filed on behalf of PNC BANK, NATIONAL ASSOCIATION, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa I.D. #83746 Michael C. Mazack, Esquire PA I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh , Pennsylvania 15222 (412) 566-1212 -,C IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 CIVIL vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendant. PRAECIPE TO REINSTATE COMPLAINT TO: PROTHONOTARY Please reinstate the Complaint in the above -captioned matter. TUCKER ARENSBERG, P.C. Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa. I.D. No. 205742 1500 One PPG Place Pittsburgh, PA 15222 Telephone: (412) 566-1212 BANK FIN:484753-1 000011-153652 $ H.'15 P- A`t C 317 633 Of 308 /09'(0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA G era CIVIL DIVISION m� c_ No. bl� "�� r .• PNC BANK, NATIONAL ASSOCIATION, Plaintiff; VS. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. I hereby certify that the property to be foreclosed upon is: 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 Township of Mt: Holly Springs Tax Parcel No. 23-35-23 .: 8 Brett A. : omon Attorney for Plaintiff BANK_FIN:419358-1 000011-153652 y, r > IN) r -o CIVIL ACTION - COMPLAINT EN4. MORTGAGE FORECLOSURE -< Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon@tuckerlaw.com Michael C. Ma7ack, Esquire Pa. I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412)566-1212 Crl TRUE COPY FROM RECORD In Testimony whereof, f here unto set my hand and the seal of said Co rt at Carlisle, Pa. This day of , 201a Prottrortotar • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) . CIVIL DIVISION ) ) ). ) ) ) )) ) IMPORTANT NOTICE Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. 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 Noticeare served by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you.::You are' warned that if you fail to do so,, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you.. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013. (717)-249-3166 1-800-990-9108 BANK FIN:419358-1 000011-153652 r - Le han de mandado a usted en la corte. • Si usted quiere defenderse de estas demandas;expeustas en las paginas siguientes, usted tiene viente (20) dias de plalo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o.en persona o con un abogado y entregara la corte enroma ascrita sus defenses o sus objecones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidasy puede continuar la demanda en contra suy a sin previo aviso a notificacion. Ademas, la corte puede decidera favor del demande\ante y require que usted cumpla con todas las provisiones de esta demanda. Usted puede erder dinero: o.sus propiedades o ostro derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIALAMENTE..SI NO TIENE ABAGADO O' SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A. LA OFICINA CUYA DIRECCION SE ENCUENIRA ESRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford. Street Carlisle, PA 17013 (717)-249-31.66 1-800-990-9108 K FIN:419358-1 0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES PNC Bank, National Association ("Bank"), by and through its counsel, Tucker. Arensberg, P.C., and avers the following in support of its Complaint in Mortgage Foreclosure: 1 PNC Bank, National Association, is a national banking association . organized underthe laws of the United States of America with a principal place of business at One PNC Plaza, 249. Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. Defendants, Raymond D. Fahnestock and Carol S. McKee ("Defendants"), are .. adult individuals whose last known . address is 424 Rear S Baltimore Avenue, Mt. Holly Springs, Pennsylvania 17065. 3. On or about January 6, 1999, the Defendants executed and delivered to the Bank a Note ("Note") whereby Defendants promised to pay Bank the principal amount of $88,740.95 plus interest and other amounts as more particularly set forth in the Note. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein. 4. On or about January 6, 1999, the Defendants executed and delivered to the Bank a Mortgage ("Mortgage"), encumbering certain real property located in the Township of Mt. Holly Springs, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The BANK FIN:419358-1 000011-153652 Mortgage was recorded in the Office of the Recorder of Deeds of Cumberland County, on Janu 1999 hereto Mortgage Book Volume 1514, page 903. A true and correct copy of the Mortgage is attached as Exhibit "B" and incorporated herein. The Defendants are in default of the provisions of the Mortgage for failure to makepayment when due. The Defendant is past due in payments from June 20, 2009, and as of December30, 2011, was past due in the amount of $26,140.87. The Defendants are the record and real owners ofthe Pre There has been no assignment, release or transfer of the Mortgage. On or about April 18, 2011, Notices were sent to Defendants in accordance with. 35 P.S. §1680.403C .(Homeowner's Emergency Mortgage Assistance Act of 1983 Act 91 of 1983) and 41 P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the date of the Notices. Said Notices further advised Defendants of Defendants' rights and obligations m accordance with the Act. Copies of the Notices are attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amoun was as -follows: due Bank under the Note and Mortgage as of December 30, . 2011 Principal Interest through 12/30/20 (continuing thereafter at $9.34 per diem Bank Costs Late Charge Attorneys' Fees Costs of Foreclosure TOTAL $42,679.30 $ .8,767.00 $ 394.60 $ 683.52 $ 1,015.00 to be added $53,539.42 10. The total amount due to Bank under the Note and Mortgage as of December 30, 2011 was Fifty -Three Thousand Five Hundred Thirty -Nine and 42/100 Dollars ($53,539.42), plus costs and attorneys' fees. BANK FIN:419358-1 000011-153652 WHEREFORE, Plaintiff demands an n rem judgment in mortgage foreclosure for the amount due of Fifty -Three Thousand Five Hundred Thirty -Nine and 42/100 Dollars ($53,539.42), plus continuing interest at the contractrate from December 30, 2011, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. Brett A. So on, Esquire Pa. I.D. #83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222. (412) 566-1212 Attorney for PNC Bank, National Association, Plaintiff BANK FIN:419358-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) ) ) ) ) :.. ) RAYMOND D. FAHNESTOCK ) AND CAROL S. MCKEE, ) ) ) Plaintiff, vs. CIVIL DIVISION Defendants: AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA ) ) SS: I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendants, Raymond D. Fahnestock and Carol S. McKee, are not members of the military service of the United States of America to the best of owledge, information, and belief. Sworn to and subscrib=:'.efore.me da `M3! Commiss's ' pires:- BANK FIN:419358-i 000011-153652 B ett A. So .mon Attorney for PNC Bank, National Association MONWEALTM OF PENNSYLVANIA Notarial Seal City of p J. Mtzak, Notary Public My Com Groh Alleghany county Member;pann res May 23. 2013 Sylvania Assoclatfon of Notaries latee?„. .PSIc Nan*, Association .. • ..-OLFTAC8 Number i6iiseci • ANNUAL -- • ... ,r. PERCENTAGE : RATE ..Z. . •,• . ' Thalia the Ilerrietiv's., . , . SS, -h FINANCE .., • . CHARGE. .-....... - Mt (baba trnoom vat await . eMcost Me Venetter. ._ . - • ,....65085-,25 '• . • •,. Amount Financed • Itae.ramolot credit • partto Bottom, or mart Eloboterl brIMIL ..: . 1,;861.50 :'0i.-- ...... . . 1.07 01 Payments • • llx unbolt Int 13omoto vol lust • paid artahait2.41e A' a , papperts as satattletal, -•• - • '.. 153826 :20' '",••••••• - r• ••• Amapa.. Payments • -; • • e amens atestimao" 7 t: Parka aft...mats 854.59 • .• • ::morta•by hem by Liehey,eat . • „ • • la. OmItn 1 Ka ibairblia• I Xi SilLaraml P jt • -1God • in 101 vibbio 15 days ol4sdutdato, Bonn.' nay be a.argea Me y , P•g°4 MM.:5100ra P4I•taltoient. ' „ • - • ' • Pmpsyroeut 12 Boarma PM al ealY. .0( We St • In addnion collateral lottierbut Etanints Miocipat rtsidencel SastaMal Umiak Salantm'S' 17k4ApO0.inte. r The 'sewing Otba obligations to Itialt. miyAlso man tbis Note. . • Moat 7007n700 Sae am tateintO anntanntsny imlobed ". • , ,-....Alsomptiontk this loan is iecii red by a dwelling:- soneont fa L-.30 finn424.2 I IntitliMasia- '.... : • - , .., .,porclassing NI 4 titre Aisart tbe recut/Aka ot Pat ban ."natikaiabilPat lid *makable. . • ' • • • • ' .`' .nts nMena brans . . . •. • • :tr. •7.114-4nbtiat• Peiti. nbitRatt matincitis; it Int Prime Ritt pontaihed in litrati Street /mama! increases Iht rate will noliocreist • mate Often:than maii a month. tbe rite gal is inmate rave than ine tate point in arty one mod.1 se4 wet aot Wiese more ',.ttua fiat ptrcentite poinb during km letro 07Me loan. 0. 00, to nem. Mona* beyond 111%. Any Nveamio the rakts s reson.o7 ad increise in the indm may causeItt tartlet of pryments to toirtise. and/or:" • 77, worn. el Me 0.01 'payment to Mange. DM Prialoarknt .110new be rained to men than 1505 tittm rmtkr .0)/Itettist turtle. /trot Pun menfloi 110.00000 al an inniil rate ol 1.3l,rel. reliant* an 48 maninlY itairmas a 1/10.:6 sat "AI. rat Mutated tole's% alln 12 gramems..i0cias04*15Fila alit the neat.12 tamers ail. 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BINIROWER AGREES TO IN WALLY:19CM/ ST "'... is the.liter biarrente..' • •• ... „. .• ".• , .,....... • . - '.• • , *. .-'• :-.0CM-1110125040 CONDITIONSUF llitSACITE. Fad :lithe Carob:as guayeatees thel the • • IliChate thitg.finel pi.y• slant is-schedefed in ihripiiiiieh lo be due 4_0* itte Ilettiq frau. iny Palmer' . ' ' - r .• . • - - :7' . ..:4.••t•-• • --.-- - - :- •.- r ,•,' •,. .:.- 57TAPTE iili RANI „:x.) tica hp p0ciSte.:..1 ,-.1•;The later's: rite on; this' Note mi grilt 4 ..r, ...- yi. : : ,,,..., , .. . almhge:Dited en:chin/a is Me Interest Hilelndeiiee Me tqinges lo Intirest Rile • .. ... , „: , „..... . . • :,: .... -001, -.•,... :: .7. . S.AUFORAT1C PAYMENT iLIA: :rm.] Nii Apiiisile. . 1 . I *Mower' aellihrites Lend : • • ..• '•,. . .. •• • • '.-•' , ' . • .• ..,..:.; • 4:47.:..., • In 'deduct I 0.7,700007ea *IP I ohn. from 5o/riair'arteboAl *earl: number.. . ... '. . . • • . . : . : • b ,.• . , • ,.. -:'''',. - ....• ': ',''.'- on tiii sillededutpiriCative daieTie inorml iate on this Man ..• CARP>/: s lisSSS-• • *..:' .. . .. . , •., : ,. • . . :..,-; i .....; • OY 0.COlbi •: •-.••• *,.• *.. • Poenti.POthtle.NtichPerrian.P,,00il,11.. .9; CNAKERS-1SEE MOHO( TO COLSIGNER CM'TNrT 2090 RSi SIDif•My Reinaar...whe s • - , . pnaMkon*eetotalaRyan!yaniPhconineaheayresnhradnrPlsa:7rraldaiCo-talyigtesoh•nnbylatomalle'ahaakamma**torthe .•-: Barna cheeses to tairobalaparliatallora Tot irthe dieesheccorml identified .iban ts ' payment ol Mit loan era nefourranciel all protases it this Note : - , '- • .- --• disataald il there ire nti sulf5iipl hmds in Sae accort toast the blat40/1y Payment-- stc SIDE CoMiker • ; Date:, • - - : •••. : : • • • : ' • MORTGAGE v �"WDI -(QINACS Numb 't (Closed -End) tORTGAGE is made on Jan • ,§9 I% Mortgagor is RATKOND D PAHKBSTOCK AND CAROL S RCM re than one, the word 'Mortgagor" herein refers to each and all of them. The Mortgagee is PNC Bank, National A Trower means RAYMOND D FAHNESTOCK, CAROL S MCKEE re than one, the word 'Borrower herein refers to each and all of them. s Mortgagee the sum of Eighty Eight Thousand Seven Hundred Forty And 95/100 88, 740.9-5.This debt is evidenced by Borrower's written obligation (referred to herein as the -Note"), dated Jan. lortgage secures to Mortgagee: (a) the repayment of the debt evidenced by the Note, with interest and other charges as provi tent of all other sums, with interest thereon, advanced hereunder for the payment of taxes, assessments, maintenance charge d costs incurred to protect the security of this Mortgage; (c) the payment of all of Mortgagee's costs of collection, including costs law, reasonable attorneys' fees and expenses, if suit is filed or other action is taken to collect the sums owing or to protect the se I payment of any refinancing, substitution, extension, modification, and/or renewal of any of said indebtedness, interest, char& the performance of Mortgagors and/or Borrower's covenants and agreements under this Mortgage and the Note; and (f) the rept and by any note or agreement which was refinanced by the Note, to the extent that such debt is owed to Mortgagee and has 'not been tgagor does hereby mortgage, grant and convey to Mortgagee the following described property, together with all improvements moa all easements. rights and appurtenances thereon, located at and known as: 4 REAR ST BALTIMORE ST, MT HOLLY SPRINGS, PA 170650017 CUMBERLAND 'cording Date of Original Deed Dec. 14, 1989 sd Book Number H34 Page Number 1155 is Parcel No: 13-35-2316-038 • . rf ..J MA - Ro\ \ Sir ¥ -s )perty' herein shall mean all of the foregoing mortgaged property. e and to hold the Property unto the Mortgagee, its successors and assigns, forever, Provided, however, that if Mortgagor and/or l ogee the said debt, interest, and all other sums, and perform all covenants and agreements secured hereby, then this Mortgage it shall terminate and become void. ity of Title. Mortgagor warrants and represents to Mortgagee that: (a) Mortgagor is the sole owner of the Property. and has the rigli he Property; (b) the Property is unencumbered except for encumbrances now recorded; and (c) Mortgagor will defend the title k rims and demands except encumbrances now recorded. rats. Mortgagor promises and agrees as follows: rtgagor will maintain the Property in good order and repair, (b) Mortgagor will comply with all laws respecting the ownership and. If the Property is part of a condominium or planned unit development. Mortgagor will comply with all by-laws, regulations and Aortgagor will pay and/or perform all obligations under any mortgage, lien, or security agreement which has priority over t will pay or cause to be paid all taxes and other charges assessed or levied on the Property when due and, upon Mortgagee's reque gee receipts showing the payment of such charges; (f) While any part of the debts secured by this Mortgage remain unpaid, Mortg 1 keep in force property insurance and, if required by federal law. flood insurance on the Property. The property insurance must o e Property and must be in an amount sufficient to protect Mortgagee's interests; flood insurance must be of the type and in the arr v. Mortgagor agrees to provide Mortgagee evidence of required insurance. All policies must name Mortgagee as a loss payee/sea for at least 10 days written notice to Mortgagee of reduction in coverage or cancellation. Mortgagor gives Mortgagee the right to sit check or draft from an insurance company and to apply the money to any debt secured by this Mortgage. This is limited to check' t claim under an insurance policy for loss or damage to the Property or for retumea or rebated premiums on policies insurin( ;or fails to keep in force the required insurance and/or fails to provide evidence of such insurance to Mortgagee, Mortgagee may nc r should purchase the required insurance at Mortgagors expense. If Mortgagor faits to purchase the insurance within the time r fails to provide evidence of such insurance to Mortgagee, Mortgagee may purchase insurance to protect Mortgagee's interest applicable law, and charge Mortgagor the cost of the premiums and any other amounts Mortgagee inc ,rs in purchasing the it MORTGAGEE PURCHASES WILL BE SIGNIFICANTLY MORE EXPENSIVE AND MAY PROVIDE LESS COVERAGE THAN INSURANCE :HASE OTHERWISE Mortgagee may receive reasonable compensation for the services which Mortgagee provides in obtaininf Mortgagor's behalf. In certain states, the required insurance may be obtained through a licensed insurance agency affiliated w vill receive a fee for providing the required insurance. In addition, an affiliate may be responsible for some or all of the underlying 1 eive compensation for assuming such risks. If Mortgagor fails to perform any ather duty or obligation required by these Covenao )le option, advance such sums as it deems necessary to protect the Property and/or its rights in the Property under this Mortgr gay Mortgagee any amounts advanced in accordance with this paragraph, with interest thereon, upon demand; (h) Any inter ter a judgment is entered or on additional sums advanced shall be at the rate provided for in the Note; (i) Mortgagee may m< and inspections of the Property after giving Mortgagor prior notice of any such inspection; (j) Mortgagor will not sell, transfer a installment sale contract for the sale of all or any part of the Property; and (k) The promises, agreements and rights in this Mo and benefit anyone to whom the Property or this Mortgage is transferred. If more than one Mortgagor signs this Mortgage, each iividually and together. The covenants made in this section and Mortgagee's remedies set forth below shall not merge with any jud ction and shall apply until all amounts owed are paid in full. t. Mortgagor will be in default under this Mortgage: (a) if there is a default under the Note; (b) if Mortgagor breaks any prom's if any Mortgagor dies; (d) if any other creditor tries to take the Property by legal process; (e) if any Mortgagor files bankruptcy of y bankruptcy against Mortgagor, (f) If any tax lien or levy is filed or made against any Mortgagor or the Property; (g) if any Mortg ement in this Mortgage; or (h) if the Property is destroyed, or seized or condemned by federal. state or local government. ogee's Remedies. Unless prohibited by law, if Mortgagor is in default under this Mortgage, Mortgagee may, at its option, atter not eclare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and owing upon the Note. I entire balance due and payable, Mortgagee may take possession of the Property, collect any and all rents, apply said rents to th its Mortgage. -foreclose the Mortgage, or take other action upon the Mortgage as permitted or provided by taw to collect the balz eclosure action or any other action on this Mortgage is filed by Mortgagee, and/or if Mortgagee takes any action to protect or enh , including Bankruptcy Court, Mortgagor agrees to pay to Mortgagee all expenses and costs of such action, including, if peg ttorneys' fees to the maximum extent permitted by taw. lies Cumulative. If any circumstance exists which would permit Mortgagee to accelerate the balance, Mortgagee may take suc vhich such circumstance continues to exist. Mortgagee's remedies under this Mortgage shall be cumulative and not altemative. in Enforcement, Mortgagee can delay in enforcing any of its rights under this Mortgage or the Note without losing that right. any provision of this Mortgage or the Note will not be a waiver of the same or any other provision on any other occasion. iment: Mortgagee may sell, transfer or assign this Mortgage without Mortgagors consent. rev. 10/96) BOOK 151.4 PAGE .903 erabitity. If ring prov vision of this Mortgage is held to be invalid or unenforceable, such determination shall not affect the validity or 's Mortgage. f this Mortgage on the date set forth above, intending to be le • al .. •.. ' / PENNSYLVANIA ) SS: )F ) Mortga Mortga ACKNOWLEDGMENT 19(-\ before me, :his day of _ (kX\u�1- rsig dd of ' r (wh certifies th t he/she is of an officer or director of PNC Bank, National Association). persor ntNCI C -\- 6,+t 6 1`(\C,C o ;, ctorily proven) to be the person(s) whose name(s) is (are) subscribed to the within instrument and acknowledged that he/she tor the purposes therein contained. Jitneys Whereof, 1 hereunder set my hand and official seal. Signature Title AFFIDAVIT OF SUBSCRIBING WITNESS Terri A. tittle. Notary Public C • - Mt. Hotly Springs Boro. Cumberland Count] • , .. foo not ukei` M&tgagor(s) acknowledged the Mortgage. Affidavit must be taken irWhcreAETliffit AS@PRI We t ire rice, a • 4otaty Jrnblfc (who certifies that he/she is not an officer or director of PIiFRheScP�2{�iiipl the subscribing witness to the within Mortgage, who be to favi, deposes and says that he/she was personally present at the execution of said Mortgage, saw the within name. and /her/their act and deed, and deliver said Mortgage for the purposes therein set forth; and that the name of this deponent of g witness is of deponents own proper handwriting. Subscribing Witness nd subscribed before me this day of 19 CERTIFICATE OF RESIDENCE � o herby cert that the Mortgagee's preci PENNSYLVANIA�VAp 1F �"'` IAV"'^ 1 t " • a. ) on this v ' ay of y, in Mortgage Book Volume] j� pag ) SS: ny hand and the seal of said office t e day and year aforesaid. 0-0 1 -Pa "A Q Agen 1.\ , 19 in the Office of the Recorder of D Recorder PNC Bank, National Association .B00d5lPAGE .904 Z 3 v m Sent Certified Mail and Regular Mail DATE: April 18, 2011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 any 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 notification obtenga una traduccion immediatamente Ilamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada 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. 1 of 5 Notice: See the bottom of Page 5 for Important Information EXHIBIT Date Homeowners Name(s) Property Address Loan Account Number Original Lender Current Lender/Servicer April 18, 2011 Carol S Mckee 424 Rear St Baltimore Ave MT Holly Springs„ PA 17065 40-01-008012252108 PNC Bank HOMEOWNERS' 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. THE MEETING MUST OCCUR WITHIN THE NEXT THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the tender 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 Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your fact -to -face meeting. 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." 2 of 5 '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 W YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 424 Rear St Baltimore Ave MT Holly Springs„ PA 17065. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Payments of Principal and Interest: $18,449.56 Late Charges: $341.76 Escrow Charges: Attorney Fees/Cost: Other Charges (explain/itemize): TOTAL AMOUNT PAST DUE: $18,791.32 B. YOU HAVE FAILED TO THE TAKE THE FOLLOWING ACTION (Do not use if not applicable): TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $18,791.32, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES 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: PNC Bank, P 0 BOX 5570, CLEVELAND, OH 44101. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. 3 of 5 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 beings legal proceedings against you, you will still be required to pay the reasonable attorneys fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorneys fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by Davina the total amount then past due, plus anv late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: Phone Number: Fax Number: Contact Person: PNC Bank P 0 BOX 5570 CLEVELAND, OH 44101 1-866-622-2657 1-440-546-6789 PNC Bank EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You ❑ may or ❑X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 4 of 5 YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY See the enclosed document. The separate laws of Connecticut, the District of Columbia, New York City, North Carolina and Vermont each require that their respective residents be furnished with this notice: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This paragraph is a special notice to our customers who have filed a petition for protection under the United States Bankruptcy Code. Unless you have signed a reaffirmation agreement with PNC Bank, and that agreement has been filed with the bankruptcy court (and not subsequently rescinded or disallowed in accordance with the Bankruptcy Code), you should disregard all portions of this letter which state or suggest that you still have a personal liability to pay PNC Bank. You may wish to consult with an attorney regarding this letter, your bankruptcy and the ability of PNC Bank to enforce its lien on the collateral. If you have obtained a discharge under the Bankruptcy Code this letter is for informational purposes or to protect our interests in the collateral. 5 of 5 6 Sent Certified Mail and Regular Mail DATE: April 18, 2011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 any 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 notification obtenga una traduccion immediatamente Ilamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionada arriba. Puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede saivar su casa de la perdida del derecho a redimir su hipoteca. 1 of 5 Notice: See the bottom of Page 5 for important Information Date April 18, 2011 Homeowners Name(s) Raymond D Fahnestock Property Address 424 Rear St Baltimore Ave MT Holly Springs„ PA 17065 Loan Account Number Original Lender Current Lender/Servicer 40-01-008012252108 PNC Bank HOMEOWNERS' 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. THE MEETING MUST OCCUR WITHIN THE NEXT THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv.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 Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your fact -to -face meeting. 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." 2 of 5 ° 'TOO HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 424 Rear St Baltimore Ave MT Holly Springs„ PA 17065. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Payments of Principal and Interest: $18,449.56 Late Charges: $341.76 Escrow Charges: Attorney Fees/Cost: Other Charges (explain/itemize): TOTAL AMOUNT PAST DUE: $18,791.32 B. YOU HAVE FAILED TO THE TAKE THE FOLLOWING ACTION (Do not use if not applicable): TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $18,791.32, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES 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: PNC Bank, P 0 BOX 5570, CLEVELAND, OH 44101. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. 3 of 5 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 attomeys, but you cure the delinquency before the lender beings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also iriclude other reasonable costs. If you cure the default within the THIRTY (30) DAY period. You will not be reciuired to pay attornev'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 DEFAIJLT PRIOR TO SHERIFFS SALE-IfyouhovenotcunedthedofmubwdhinthoTH(RTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriffs Sale, You mav do so by pavinq the totat amount then past due, plus anv late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale oaopecifiodinwriting bythe lender and bvperforming any other requirements under the mortQaQe. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actuat date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the defautt will increase the longer you wait. You may find out at any tirne exactly what the required payment or action will by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: PNC Bank P0BOX 5578 CLEVELAND, OH 44101 Phone Number: 1-866-622-2657 Fax Number: 1-440-546-8789 Contact Person: PNC Bank EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's 4 YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY See the enclosed document. The separate laws of Connecticut, the District of Columbia, New York City, North Carolina and Vermont each require that their respective residents be furnished with this notice: This is an attempt to collect a debt. Any information obtained will be used for that purpose. This paragraph is a special notice to our customers who have filed a petition for protection under the United States Bankruptcy Code. Unless you have signed a reaffirmation agreement with PNC Bank, and that agreement has been filed with the bankruptcy court (and not subsequently rescinded or disallowed in accordance with the Bankruptcy Code), you should disregard all portions of this letter which state or suggest that you still have a personal liability to pay PNC Bank. You may wish to consult with an attorney regarding this letter, your bankruptcy and the ability of PNC Bank to enforce its lien on the collateral. If you have obtained a discharge under the Bankruptcy Code this letter is for informational purposes or to protect our interests in the collateral. 5 of 5 VERIFICATION I, Victoria M. Hunter, as a Loan Support Specialist of PNC Bank, National Association, within named, do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff, and that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my information' and belief I understand that the false statements therein are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. BANK FIN:419358-1 000011-153652 Victoria M. Hunter Title: Loan Support Specialist •C/V ` -�--^ Ns _ ___ ''- --__..~_^-. SHERIFF'S OFFICE OF CUMBERLAND COUNTY • Ronny R Andersonr=:L D -Oh F iCL ff (J THE HHE PRO T HONG TAii' ty�y, at Cumber/ Jody S Smith Chief Deputy Richard W Stewart Solicitor (,FFCE QF THE,,4ERIFF 20) 4 JUL 31 All IO: 37 CUMBERLAND COUNTY PENNSYLVANIA PNC Bank, National Association vs. Raymond D. Fahnestock (et al.) Case Number 2012-331 SHERIFF'S RETURN OF SERVICE 07/24/2014 03:15 PM - Deputy Jeff Kolodzi, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Carol S. McKee at 77 Big Spring Terrace, West Pennsboro Township, Newville, PA 17241. SHERIFF COST: $35.91 SO ANSWERS, July 28, 2014 RON(R ANDERSON, SHERIFF (c) Coun. ySuite Sheritr, 7t leosoft, Inc. r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. BANK J1N:4906294 000011453652 CIVIL DIVISION No. 2012-331 Civil cE -*" 7:n Cn PRAECIPE FOR DEFAULT .TUDG*MgNII:''-` IN MORTGAGE FORECLOSUR-A. FOr:"? DEFENDANT CAROL S. MCKEE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon@tuckerlaw.com Michael C. Mazack, Esquire Pa. I.D. #205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 v_wr3W-IY) \I\ (5V A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil PRAECIPE FOR DEFAULT JUDGMENT IN MORTGAGE FORECLOSURE TO: Prothonotary Kindly enter Judgment against the Defendant, Carol S. McKee, above named in default of an Answer, in the amount of $209,910.60 plus continuing interest at the contract rate together with late charges, costs of suit and attorney fees on the declining balance computed as follows: Amount claimed in Complaint Total $53,539.42 $53,539.42 *Includes credit for payments made on account. Interest, late charges, attorney's fees and charges and record costs of this proceeding will continue to accrue from the date of entry of judgment. I hereby certify that the appropriate Notice of Default, as attached has been mailed in accordance with PA R.C.P. 237.1 on the date indicated on the Notice. TUCKER ARENSBERG, P.C. �i► Michael C. Mazes Z, Es Ire National Attorney for PNC Bai Association, Plaintiff Plaintiff: PNC Bank, National. Association c/o TUCKER ARENSBERG. P.C., 1500 One PPG Place, Pittsburgh, PA 15222 Defendants: Carol S. McKee, 77 Big Spring Terrace, Newville, Pennsylvania 17241 BANK_FIN:490629-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. TO: Carol S. McKee 77 Big Spring Terrace Nevvville, Pennsylvania 17241 CIVIL DIVISION No. 2012-331 Civil NOTICE OF JUDGMENT You are hereby notified that a Judgment in Mortgage Foreclosure was entered against you on , 2014 in the amount of $53,539.42 plus continuing interest at the contract rate to with costs, late charges, and attorneys fees. BANK FIN:490629-1 000011-153652 Prothonotary her IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil AFFIDAVIT OF NON-1VIILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA ) ) SS: ) COUNTY OF ALLEGHENY I, Brett A. Solomon, being duly sworn according to law, hereby depose and say that the Defendant, Carol S. McKee, is not a member of the military service of the United States of America to the best of my knowledge, information, and belief. Sworn o an subscribed before me this day of September, 2014. Notary Public My Commission Expires: Michael C. Mazack, Esquire COMMONWEALTH OF PENNSYLVANIA Notarial Seal Matthew G. Friedberg, Notary Public City of Pittsburgh, Allegheny County Magalmluie ba_spirrjlak.Z, 2,915 ilnigit7PRISMAAWkb§ggfttkiri FietAitt63 BANK_F1N:490629-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. TO: Carol S. McKee 77 Big Spring Terrace Newville, Pennsylvania 17241 DATE OF NOTICE: September 11, 2014 CIVIL DIVISION No. 2012-331 Civil IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO 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 FINDING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)-249-3166 BANK FIN:489888-1 000011-153652 TUCKER ARENSBERG, P.C. Michael C. Mazack,T squire Attorney for Plaintiff, PNC Bank, National Association CERTIFICATE OF SERVICE I hereby certify that the foregoing Notice was served upon the Defendant, Carol S. McKee, by depositing thereof in the United States mail, first class postage prepaid, on the 11th day of September 2014, at the following address: Carol S. McKee 77 Big Spring Terrace Newville, Pennsylvania 17241 TUCKER ARENSBERG, P.C. Michael C. Mazack, Esquire Attorney for Plaintiff, PNC Bank, National Association BANK_FIN:489888-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, Defendants. 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 (Township of Mt. Holly Springs) Tax Parcel No. 23-35-2316-038 ag .s o \)A 517 , oo c l3r H. -)S 14. So ?).(17 pd a ty 0E1 3R/096. bg/ CIVIL DIVISION No. 2012-331 Civil PRAECIPE FOR WRIT OF EXECUTION IN MORTGAGE FORECLOSURE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 0-1,,P2 7:5-yued IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil PRAECIPE FOR WRIT OF EXECUTION IN MORTGAGE FORECLOSURE TO: Prothonotary of Cumberland County: Kindly issue a Writ of Execution in Mortgage Foreclosure in the above matter as follows: Judgment Amount $53,539.42 Interest from 12/31/11 through 9/3/14 at $9.34 per diem . ...... 10,825.06 Real Estate Taxes Paid by PNC Bank 10 145 93 Sub -total $74,510.41 Costs (to be added by the Prothonotary) TOTAL plus, interest accruing thereafter at the rate of $9.34 per diem, late charges, additional attorneys' fees and costs and additional expenses incurred by the Bank, continuing through the sheriffs sale of the subject premises and distribution of the proceeds derived therefrom. TUCKER ARENSBERG, C. Brett A. Solomon, Esquire Michael C. Mazack, Esquire Attorneys for PNC Bank, National Association, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil COMMONWEALTH OF PENNSYLVANIA ) ) SS: COUNTY OF ALLEGHENY ) I, Michael C. Mazack, Esquire, being duly sworn according to law, hereby depose and say that the Defendants, Raymond D. Fahnestock and Carol S. McKee, are not members of the military service of the United States of America to the best of my knowledge, information and belief. ' Sworn to and subscribed before me this day of el', 2014. Michael C. Mazack, Esquire Notary Public My Commission Expires: VlON d0 NOILVI3OSSV VINVA1ASNOI °N ativiaH_ 5102 'L aunt sei!dxg uo!ssiwwop AW /quno0 Auay6apv'g6ungsuld Jo A1!D Dpgnd AaeloN '6.!egP0144 '9 MMNpiew IeaS Iepe3oN BANK_FIN:495376-1 000011-153652 VINVA1ASNN3d d0 H11V3MNOWIAIOD COMMONWEALTH OF PENNSYLVANIA Notarial Seal Matthew G. Friedberg, Notary Public City of Pittsburgh, Pilegheny County M Commission Expires lune 7, 2015 MEMBER, Pf • ,n:-. OF NOTARIES IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil AFFIDAVIT PURSUANT TO PA. R.C.P. 3129.1 Filed on behalf of PNC Bank. National , Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No. 205742 TUCKER ARENSBERG, P.d. Firm #287 Association, Plaintiff 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 c=3 CO IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil AFFIDAVIT PURSUANT TO Pa. R.C.P. 3129.1 PNC Bank, National Association, Plaintiff in the above action, by its attorneys, Tucker Arensberg, P.C., set forth as of the date of the Praecipe for Writ of Execution was filed the following information concerning the real property located in the Township of Mt. Holly Springs, County of Cumberland and Commonwealth of Pennsylvania: 1. Name and address of the Owner or Reputed Owner: RAYMOND D. FAHNESTOCK 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 CAROL S. MCKEE 77 Big Spring Terrace Newville, Pennsylvania 17241 2. Name and address of Defendants in the judgment: SAME AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Michael C. Mazack, Esquire Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 REMIT CORPORATION REMIT CORPORATION 36 West Main Street P.O. Box 7 Bloomsburg, PA 17815 c/o Raymond W. Kessler, Esquire Kessler Mattis, LLP 2 Mill Street Danville, PA 17821-1946 4. Name and address of last recorded holder of every mortgage of record: PNC BANK, NATIONAL AS HARRIS SAVINGS BANK HARRIS SAVINGS BANK c/o Brett A. Solomon, Esquire Michael C. Mazack, Esquire Tucker Arensberg, RC. 1500 One PPG Place Pittsburgh, PA 152225 2nd and Place Streets Harrisburg, PA 17101 2nd and Pine Streets Harrisburg, PA 17101 CITIFINANCIAL, INC. 6520 Carlisle Pike, Suite 155 Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on their property: UNKNOWN Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: CUMBERLAND COUNTY 1 Courthouse Square TREASURER Carlisle, PA 17013 CUMBERLAND COUNTY TAX CLAIM BUREAU TOWNSHIP OF MT. HOLLY SPRINGS TAX COLLECTOR SOUTH MIDDLETON SCHOOL DISTRICT SOUTH MIDDLETON SCHOOL DISTRICT 1 Courthouse Square Carlisle, PA 17013 c/o Barbara J. Boise 200 Harmon Street Mt. Holly Springs, PA 17065 4 Forge Road Boiling Springs, PA 17007-9444 c/o Barbara J. Boise 200 Harmon Street Mt. Holly Springs, PA 17065 COMMONWEALTH OF PA P.O. Box 2675 DEPARTMENT OF REVENUE Harrisburg,PA 17105 7. Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: CUMBERLAND COUNTY P.O. Box 320 DOMESTIC RELATIONS OFFICE Carlisle, Pennsylvania 17013 TENANT/OCCUPANT 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 The information provided in the foregoing Affidavit is provided solely to comply with the Pennsylvania Rules of Civil Procedure 3129.1, and it is not intended to be a comprehensive abstract of the condition of the title of the real estate which is being sold under this execution. No person or entity is entitled to rely on any statements made herein in regard to the condition of the title of the property or to rely on any statement herein in formulating bids which might be made at the sale of the property. I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Dated: (l V1 ( By: Sworn toa/nd subscribed before me this MP, day of Mae%e( Notary. Public My Commission Expires: oh � Brett A. Solomon, Esquire Michael C. Mazack, Esquire Attorneys for Plaintiff COMMONWEALTH OF PENNSYLVANIA Notarial Seal Matthew G. Friedberg, Notary Public City bf Pittsburgh, FSlegheny County MyCommission Expires June 7, 2015 MEMIIER, P@NNOWANHi ASS( ATION OF NOTARIES -3- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil vs. AFFIDAVIT OF ACT 6 RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Filed on behalf of PNC Bank, National Association, Plaintiff Defendants. Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No. 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) ) No. 2012-331 Civil ) ) ) ) ) ) ) vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY ) ) SS: ) Before me, a Notary Public, personally appeared Michael C. Mazack, Esquire, being duly sworn, deposes and says: THAT Notice of PNC Bank, National Association, intention to foreclose, pursuant to 41 P.S. §403 (Act 6 of 1974), was given to Defendants on or about April 18, 2011. Sworn to and subscribed before me this_ day of .4/06.7 , 2014. Notary Public My Commission Expires: BANK_FIN:480736-1 000011-153652 Michael C. Mazack, Esquire EALTH OF PENNSYLVANIA / Notarial Seal Matthew G. Friedberg, Notary Public City of Pittsburgh, 0llegheny County My Commission Expires June 7, 2015 MEMBER, PENNSYLVANIA ASSOCIATION OF NO1 ARIES IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil vs. AFFIDAVIT OF ACT 91 RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Filed on behalf of PNC Bank, National Association, Plaintiff Defendants. . Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No. 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) ) No. 2012-331 Civil Vs. ) ) RAYMOND D. FAHNESTOCK, ) ) AND CAROL S. MCKEE, ) Defendants.. ) ) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY ) ) ) SS: Before me the undersigned, a Notary Public in and for aforesaid Commonwealth and County, personally appeared Micheal C. Mazack, Esquire, who being duly sworn, deposes and says: THAT Notice pursuant to 35 P.S. §1680.403 (Homeowner's Emergency Mortgage Assistance Act of 1983 -- Act 91 of 1983) was given to Defendants on or about April 18, 2011. Sworn to and subscribed before me this /day of o,2 2014. Notary Public My Commission Expires: Michael C. Mazack, Esquire COMMONWEAL. OF PENNSYLVANIA Notarial Seal Matthew G. Friedberg, Notary Public aty of Pltt$burrh, RNegheny County BANK FIN:495376-1 000011-153652My CoiriihigiOn ires June 7, 2015 MEMBER, PENN "I' 1` I 147fIiit -1: •. NeruawS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PNC BANK, NATIONAL ASSOCIATION, CIVIL PENNSYLVANIA DIVISION Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. No. 2012-331 Civil AFFIDAVIT OF LAST KNOWN ADDRESS Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No. 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY ) ) ) CIVIL DIVISION No. 2012-331 Civil SS: AFFIDAVIT OF LAST KNOWN ADDRESS OF DEFENDANTS Before me the undersigned, a Notary Public in and for aforesaid Commonwealth and County, personally appeared Micahel C. Mazack, Esquire, who being duly sworn, deposes and says as follows: 1. That he is counsel for the Plaintiff in the above referenced matter. 2. That to the best of his knowledge, information and belief, the last known address of Defendant Raymond D. Fahnestock, is 424 Rear S Baltimore Avenue, Mt. Holly Springs, Pennsylvania 17065. 3. That to the best of his knowledge, information and belief, the last known address of Defendant Carol S. McKee, is 77 Big Spring Terrace, Newville, Pennsylvania 17241. Sworn to and subscribed before me this (JA day of Jf/,deenteer , 2014. Notary Public My Commission Expires: BANK FIN:495376-1.000011-153652 TUCKER ARENSBERG, P. Michael C. Mazack, Esquire Attorneys for Plaintiff COMMONWEALTH OF PENNSYLVANIA Notarial Seal Matthew G. Friedberg, Notary Public City of Pittsburgh, Niegheny County M Commissign. Expires June 7, 2015 MEMBER, PENOMioN OF NOTARIES -2- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil NOTICE OF SHERIFF'S SALE OF REAL ESTATE TO: Raymond D. Fahnestock 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland. County, Pennsylvania, and to the Sheriff of Cumberland County, Pennsylvania, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE 4TH FLOOR, JURY ASSEMBLY ROOM ONE COURTHOUSE SQUARE CARLISLE, PA 17013 on March 4, 2015, at 10:00 AM, the following described real estate, of which RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, is the owner or reputed owner: Please see attached description of property. The said Writ of Execution has been issued on a judgment in the mortgage foreclosure action of: PNC BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO PENNSYLVANIA STATE BANK vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE at Ex. No. 2012-331 Civil in the amount of $74,510.41. date. Claims against property must be filed at the Office of the Sheriff before the above sale Claims to proceeds must be made with the Office of the Sheriff before distribution. Schedule of Distribution will be filed with the Office of the Sheriff no later than thirty (30) days from sale date. Exemptions to Distribution or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when the Schedule of Distribution is filed in the Office of the Sheriff. Attached hereto is a copy of the Writ of Execution. It has been issued because there is a judgment against you. It may cause your property to be held or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, vou must act promptly. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL ADVICE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)-249-3166 You may have legal rights to prevent the Sheriffs Sale and the loss of your property. In order to exercise those rights, prompt action on your part is necessary. A lawyer may be able to help you. You may have the right to prevent or delay the Sheriffs Sale by filing, before the sale occurs, a petition to open or strike the judgment or a petition to stay the execution. If the judgment was entered because you did not file with the Court any defense or objection you might have within twenty (20) days after service of the Complaint in Mortgage Foreclosure and Notice -to Defend, you may have the right to have the judgment opened if you promptly file a petition with the Court alleging a valid defense and a reasonable excuse for failing to file defense on time. If the judgment is opened, the Sheriffs Sale would ordinarily be delayed pending a trial of the issue of whether the plaintiff has a valid claim to foreclose the mortgage or judgment. You may also have the right to have the judgment stricken if the Sheriff has not made a valid return of service of the Complaint and Notice to Defend or if the judgment was entered before twenty (20) days after service or in certain other events. To exercise this right you would have to file a petition to strike the judgment. You may also have the right to petition the Court to stay or delay the execution and the Sheriff's Sale if you can show a defect in the Writ of Execution or service or demonstrate any other legal or equitable right. -2- YOU MAY ALSO HAVE THE RIGHT TO HAVE THE SHERIFF'S SALE SET ASIDE IF THE PROPERTY IS SOLD FOR A GROSSLY INADEQUATE PRICE OR IF THERE ARE DEFECTS IN THE SHERIFF'S SALE. TO EXERCISE THIS RIGHT YOU SHOULD FILE A PETITION WITH THE COURT AFTER THE SALE AND BEFORE THE SHERIFF HAS DELIVERED HIS DEED TO THE PROPERTY. THE SHERIFF WILL DELIVER THE DEED IF NO PETITION TO SET ASIDE THE SALE IS FILED WITHIN THE TEN (10) DAYS FROM THE DATE WHEN THE SCHEDULE OF DISTRIBUTION IS FILED IN THE OFFICE OF THE SHERIFF. BANK_FIN:495376-1 000011-153652 Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa. I.D. No. 205742 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff -3- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. ) CIVIL DIVISION ) ) No. 2012-331 Civil ) ) ) ) ) ) ) LEGAL DESCRIPTION OF REAL ESTATE ALL that certain parcel of land situated in the Borough of Mount Holly Sprifigs, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: On the East 255 feet along lands now or formerly of John D. and Rosie M. Miller with an additional 20 feet bordering on the State Highway; on the North 200 feet along lands now or formerly of Joseph March; on the South along lands now or formerly of J. Kluck, 60 feet; on the West 275 feet along lands nor or formerly of Millicent L. Kitzmiller. The lot being 60 feet in depth for the mentioned 255 feet along lands now or formerly of John D. and Rosie M. Miller and 200 feet in depth for the 20 feet on eastern and northern boundaries, and having erected thereon a frame dwelling house. SUBJECT to the provision respecting a reservation of water rights set forth' in the deed hereinafter motioned from John D. Miller and Rosie M. Miller to Paul R. Miller and Ethel L. Miller, Grantors herein. BEING the same property which Paul R. Miller and Ethel L. Miller, husband and wife, by deed filed December 14, 1989 and recorded in the Recorder's office of said County in Book H- 34 Page 1155, granted and conveyed to Raymond D. Fahnestock and Carol S. MKee, as joint tenants with right of survivorship and not as tenants in common. HAVING THEREON ERECTED a dwelling house K/A 424 Rear S Baltimore Avenue, Mt. HoIIy Springs, Pennsylvania 17065 Tax Parcel No. 23-35-2316-038 Brett A. Solomon, Esquire Michael C. Mazack, Esquire -7- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil NOTICE OF SHERIFF'S SALE OF REAL ESTATE TO: Carol S. McKee 77 Big Spring Terrace Newville, Pennsylvania 17241 > TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cumberland County, Pennsylvania, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE 4TH FLOOR, JURY ASSEMBLY ROOM ONE COURTHOUSE SQUARE CARLISLE, PA 17013 on March 4, 2015, at 10:00 AM, the following described real estate, of which RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE, is the owner or reputed owner: Please see attached description of property. The said Writ of Execution has been issued on a judgment in the mortgage foreclosure action of: PNC BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO PENNSYLVANIA STATE BANK vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE at Ex. No. 2012-331 Civil in the amount of $74,510.41. Claims against property must be filed at the Office of the Sheriff before the above sale date. Claims to proceeds must be made with the Office of the Sheriff before distribution. -4- Schedule of Distribution will be filed with the Office of the Sheriff no later than thirty (30) days from sale date. Exemptions to Distribution or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when the Schedule of Distribution is filed in the Office of the Sheriff. Attached hereto is a copy of the Writ of Execution. It has been isiuAl because there is a judgment against you. It may cause your property to be held or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A Iavtyer can advise you more specifically of these rights. If you wish to exercise your rights, 'jou must act promptly. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL ADVICE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)-249-3166 You may have legal rights to prevent the Sheriffs Sale and the loss of your property. In order to exercise those rights, prompt action on your part is necessary. A lawyer may be able to help you. You may have the right to prevent or delay the Sheriffs Sale by filing, before the sale occurs, a petition to open or strike the judgment or a petition to stay the execution. If the judgment was entered because you did not file with the Court any defense or objection you might have within twenty (20) days after service of the Complaint in Mortgage Foreclosure and Notice to Defend, you may have the right to have the judgment opened if you promptly file a petition with the Court alleging a valid defense and a reasonable excuse for failing to file defense on time. if the judgment is opened, the Sheriffs Sale would ordinarily be delayed pending a trial of the issue of whether the plaintiff has a valid claim to foreclose the mortgage or judgment. You may also have the right to have the judgment stricken if the Sheriff has not made a valid return of service of the Complaint and Notice to Defend or if the judgment was entered before twenty (20) days after service or in certain other events. To exercise this right you would have to file a petition to strike the judgment. You may also have the right to petition the Court to stay or delay the execution and the Sheriff's Sale if you can show a defect in the Writ of Execution or service or demonstrate any other legal or equitable right. -5- YOU MAY ALSO HAVE THE RIGHT TO HAVE THE SHERIFF'S SALE SET ASIDE IF THE PROPERTY IS SOLD FOR A GROSSLY INADEQUATE PRICE OR IF THERE ARE DEFECTS IN THE SHERIFF'S SALE. TO EXERCISE THIS RIGHT YOU SHOULD FILE A PETITION WITH THE COURT AFTER THE SALE AND BEFORE THE SHERIFF HAS DELIVERED HIS DEED TO THE PROPERTY. THE SHERIFF WILL DELIVER THE DEED IF NO PETITION TO SET ASIDE THE SALE IS FILED WITHIN THE TEN (10) DAYS FROM THE DATE WHEN THE SCHEDULE OF DISTRIBUTION IS FILED IN THE OFFICE OF THE SHERIFF. Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack, Esquire Pa: I.D. No. 205742 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff BAN K_F I N:495376-1 000011-153652 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, VS. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants, CIVIL DIVISION No. 2012-331 Civil LEGAL DESCRIPTION OF REAL ESTATE ALL that certain parcel of land situated in the Borough of Mount Holly Spririgs, Cumberland County, Commonwealth of Pennsylvania, bounded and described as -follows: On the East 255 feet along lands now or formerly of John D. and Rosie M. Miller with an additional 20 feet bordering on the State Highway; on the North 200 feet along IanIs now or formerly of Joseph March; on the South along lands now or formerly of J. Kluck, 60 feet; on the West 275 feet along lands nor or formerly of Millicent L. Kitzmiller. The lot being 60 feet in depth for the mentioned 255 feet along lands now or formerly of John D. and Rosie M. Miller and 200 feet in depth for the 20 feet on eastern and northern boundaries, and having erected thereon a frame dwelling house. SUBJECT to the provision respecting a reservation of water rights set forthin the deed hereinafter motioned from John D. Miller and Rosie M. Miller to Paul R. Miller and Ethel L. Miller, Grantors herein. BEING the same property which Paul R. Miller and Ethel L. Miller, husband and wife, by deed filed December 14, 1989 and recorded in the Recorder's office of said County in Book H- 34 Page 1155, granted and conveyed to Raymond D. Fahnestock and Carol S. MoKee, as joint tenants with right of survivorship and not as tenants in common. HAVING THEREON ERECTED a dwelling house K/A 424 Rear S Baltimore Avenue, Mt, Holly Springs, Pennsylvania 1.7065 Tax Parcel No. 23-35-2316-038 •4. Brett A. Solomon, Esquire Michael C. Mazack, Esquire -7- THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net PNC BANK, NATIONAL ASSOCIATION Vs. RAYMOND D. FAHNESTOCK AND CAROL S. MCKEE NO 12-331 Civil Term CIVIL ACTION — LAW WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment; interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $53,539.42 L.L.: $.50 Interest FROM 12/31/11 THROUGH 9/3/14 AT $9.34 PER DIEM - $10,825.06 Atty's Comm: Due Prothy: $2.25 Atty Paid: $s $a. y 1 Other Costs: REAL ESTATE TAXES PAID BY PNC BANK - $10,145.93 Plaintiff Paid: Date: 11/24/14 (Seal) By: /S/ 0241e;/ • ,61uI, David D. Buell, Prothonotary REQUESTING PARTY: Name: MICHAEL C. MAZACK, ESQUIRE Address: TUCKER ARENSBERG, P.C. FIRM #287 1500 ONE PPG PLACE PITTSBURGH, PA 15222 Attorney for: PLAINTIFF Telephone: 412-566-1212 Supreme Court ID No. 205742 Deputy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 2012-331 Civil vs. AMENDED AFFIDAVIT PURSUANT TO PA. R.C.P. 3129.1 RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Filed on behalf of PNC Bank, National Association, Plaintiff Defendants. Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 Michael C. Mazack Pa. I.D. No. 205742 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAYMOND D. FAHNESTOCK, AND CAROL S. MCKEE, Defendants. CIVIL DIVISION No. 2012-331 Civil AMENDED AFFIDAVIT PURSUANT TO Pa. R.C.P. 3129.1 PNC Bank, National Association, Plaintiff in the above action, by its attorneys, Tucker Arensberg, P.C., set forth as of the date of the Praecipe for Writ of Execution was filed the following information concerning the real property located in the Township of Mt. HoIIy Springs, County of Cumberland and Commonwealth of Pennsylvania: 1. Name and address of the Owner or Reputed Owner: RAYMOND D. FAHNESTOCK 424 Rear S Baltimore Avenue Mt. HoIIy Springs, Pennsylvania 17065 CAROL S. MCKEE 77 Big Spring Terrace Newville, Pennsylvania 17241 2. Name and address of Defendants in the judgment: SAME AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien • on the real property to be sold: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Michael C. Mazack, Esquire Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 REMIT CORPORATION REMIT CORPORATION 36 West Main Street P.O. Box 7 Bloomsburg, PA 17815 c/o Raymond W. Kessler, Esquire Kessler Mattis, LLP 2 Mill Street Danville, PA 17821-1946 4. Name and address of last recorded holder of every mortgage of record: PNC BANK, NATIONAL ASSOCIATION HARRIS SAVINGS BANK HARRIS SAVINGS BANK CITIFINANCIAL, INC. c/o Brett A. Solomon, Esquire Michael C. Mazack, Esquire Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 152225 2nd and Place Streets Harrisburg, PA 17101 2"d and Pine Streets Harrisburg, PA 17101 6520 Carlisle Pike, Suite 155 Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on their property: UNKNOWN 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: CUMBERLAND COUNTY 1 Courthouse Square TREASURER Carlisle, PA 17013 CUMBERLAND COUNTY 1 Courthouse Square TAX CLAIM BUREAU Carlisle, PA 17013 TOWNSHIP OF MT. HOLLY SPRINGS c/o Barbara J. Boise TAX COLLECTOR 200 Harmon Street Mt. HoIIy Springs, PA 17065 SOUTH MIDDLETON 4 Forge Road SCHOOL DISTRICT Boiling Springs, PA 17007-9444 SOUTH MIDDLETON SCHOOL DISTRICT c/o Barbara J. Boise 200 Harmon Street Mt. Holly Springs, PA 17065 COMMONWEALTH OF PA P.O. Box 2675 DEPARTMENT OF REVENUE Harrisburg, PA 17105 7. Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: CUMBERLAND COUNTY P.O. Box 320 DOMESTIC RELATIONS OFFICE Carlisle, Pennsylvania 17013 TENANT/OCCUPANT WAYNE E. SWARNER BOROUGH OF MOUNT HOLLY SPRINGS 424 Rear S Baltimore Avenue Mt. Holly Springs, Pennsylvania 17065 504 Franklin Street Carlisle, Pennsylvania 17013 200 Harman Street Mt. Holly Springs, Pennsylvania 17065 The information provided in the foregoing Affidavit is provided solely to comply with the Pennsylvania Rules of Civil Procedure 3129.1, and it is not intended to be a comprehensive abstract of the condition of the title of the real estate which is being sold under this execution. No person or entity is entitled to rely on any statements made herein in regard to the condition of the title of the property or to rely on any statement herein in formulating bids which might be made at the sale of the property. I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 rrelating to un. o ,n falsification to authorities. Dated: (4)-/K Sworn to and subscribed before me this lL day of j,..mu «I , 2015. Notary Public My Commission Expires: By: Brett A. Solomon, Esquire Michael C. Mazack, Esquire Attorneys for Plaintiff COMMONWEALTH OF PENNSYLVANIA Notarial Seat Public Matthew G. Friedberg, Notary City of Pittsburgh, Fs:leghenY County My_Commtssion Expires June 7, 2015 M:" . ' : F NOTARIES 1.