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HomeMy WebLinkAbout12-0634JOTKONO tAK ?Qt2 F? -~2 A 9.56 CUtBRLAND COUNTY PENNSYLVANIA PHELAN HALLINAN & SCHMIEG, LLP Jenine R. Davey, Esquire, I.D. No. 87077 Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. 7105 Corporate Drive Plano, TX 75024 Plaintiff vs. Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 Defendants ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No. &o k' - U_:? y ew o CIVIL ACTION COMPLAINT TO QUIET TITLE Please be advised that this firm is a debt collector attempting to collect a debt. Any information received will be used for that purpose. If you have previously received a discharge in bankruptcy and S 0 s'%to3.75pd0 J C?_* IIQU37(p N?4- a? bSt/ 0 this debt was not reaffirmed, this correspondence is not and should not be construed to be an attempt to collect a debt, but only enforcement of a lien against property. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (P) 717-249-3166 (P) 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted guiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo ai partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forme escrita sus defensas o sus objenciones a las demanandas on contra de su persona. Sea avisado que si usted no se dafiende, suya sin previo aviso o notificacion. Ademas, la corta puede decidir a favor del demandanto y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perdar dinero o sus propiedadas u o tros derachos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAY A EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (P) 717-249-3166 (P) 800-990-9108 IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: Pursuant to the fair debt collection practices act, 15 U.S.C. § 1692 et seq. (1977), defendant(s) may dispute the validity of the debt or any portion thereof. If defendant(s) do so in writing within thirty (30) days of receipt of this pleading, counsel for plaintiff will obtain and provide defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid, likewise, if requested within thirty (30) days of receipt of this pleading, counsel for plaintiff will send defendant(s) the name and address of the original creditor, if different from above. The law does not require us to wait until the end of the thirty (30) day period following first contact with you before suing you to collect this debt. Even though the law provides that your answer to this complaint is to be filed in this action within twenty (20) days, you may obtain an extension of that time. Furthermore, no request will be made to the court for a judgment until the expiration of thirty (30) days after you have received this complaint. However, if you request proof of the debt or the name and address of the original creditor within the thirty (30) day period that begins upon your receipt of this complaint, the law requires us to cease our efforts (through litigation or otherwise) to collect the debt until we mail the requested information to you. You should consult an attorney for advice concerning your rights and obligations in this suit. PHELAN HALLINAN & SCHMIEG, LLP Jenine R. Davey, Esquire, I.D. No. 87077 Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. 7105 Corporate Drive Plano, TX 75024 Plaintiff vs. Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 Defendants ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No. CIVIL ACTION COMPLAINT TO QUIET TITLE Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. by its attorneys, Phelan Hallinan & Schmieg, LLP, respectfully requests this Honorable Court to order that the dwelling at 251 Neil Road, Shippensburg, PA 17257, Cumberland County, with a tax parcel I.D. number of 39-13-0102-040, is equitably converted to real estate, cancel title to one 1997 Skyline Mobile Home bearing vehicle identification number 2GI 10149ABJ, and divest the lien holders of any interest in the 1997 Skyline Mobile Home with vehicle identification number 2GI 10149ABJ superior to that of Plaintiff s and in support thereof, avers the following: Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. (hereinafter "Plaintiff") is a corporation with a principal place of business at 7105 Corporate Drive, Plano, TX 75024. 2. Bazil F. Doyle, Jr. aWa Bazil F. Doyle and Judith Doyle (hereinafter "the Doyles") are adult individuals, Mortgagors, and real owners of the premises located at 251 Neil Road, Shippensburg, PA 17257 (hereinafter the "Property"), with a last known address of 251 Neil Road, Shippensburg, PA 17257. 3. Teresa S. Warren (hereinafter "Warren") is an adult individual and current record title holder of the 1997 Skyline Mobile Home with vehicle identification number 2GI 10149ABJ, with a last known address of 251 Neil Road, Shippensburg, PA 17257. 4. National City Bank (hereinafter "National City") is a corporation with a place of business at PO Box 577, Cleveland, OH 44101 with a possible interest in the 1997 Skyline Mobile Home with vehicle identification number 2G110149ABJ. On January 7, 2008, the Doyles made, executed and delivered a mortgage on the Property to Mortgage Electronic Registration Systems, Inc. as Nominee for Taylor, Bean, & Whitaker Mortage Corp. in the principal sum of $139,080.00, which mortgage was duly recorded in the Office of the Recorder of Deeds of Cumberland County on June 3, 2008 as Instrument Number 200818335 (hereafter the "Mortgage"). A copy of the Mortgage, redacted to remove confidential account information, is attached hereto, made part hereof, and marked as Exhibit 11A 6. Mortgage Electronic Registration Systems, Inc. as Nominee for Taylor, Bean, & Whitaker Mortage Corp. delivered an Assignment of Mortgage to Plaintiff which assignment was recorded on January 6, 2010 in the Office of the Recorder of Deeds of Cumberland County as Instrument Number 201000383. A true and correct copy of the assignment of mortgage is attached hereto, made part hereof, and marked as Exhibit "A-1 ". The mortgage contained a Manufactured Home Rider executed by the Defendants wherein Defendants state that the manufactured home will be permanently a part of the property and an "immovable fixture." See Exhibit "A". Defendants defaulted on the mortgage payments, by failing to tender payments due June 1, 2009 and each month thereafter. As a result, Plaintiff commenced a mortgage foreclosure action against the Defendants on November 30, 2009 in the Court of Common Pleas of Cumberland County, captioned BAC Home Loans Servicing, L.P. vs. Bazil F. Doyle, Jr et al. at Docket No. 09-8228 (hereinafter "Foreclosure Action"). Plaintiff incorporates the filings of the Foreclosure Action by reference pursuant to Pa.R.C.P. 1019(g), which Rule relieves Plaintiff from attaching the documents as they are matters of public record. 9. Plaintiff seeks a Court Order declaring the house as realty, cancellation of title to the mobile home in order to obtain clear title to the house and land, and convey the same to subsequent purchasers to recover for its unjust financial losses. 10. The property has been assessed in part for "land value", and in part for "building value", under a tax parcel I.D. number of 39-13-0102-040. A true and correct copy of the tax assessment record is attached hereto, made part hereof, and marked as Exhibit "B". 11. On November 30, 2007, the property was appraised at $160,000.00 for the land and house together. The appraiser noted that the house is a manufactured home and that it was permanently affixed at the foundation and that all wheels and axles had been removed. A true and correct copy of the appraisal is attached hereto, made part hereof, and marked as Exhibit «C„ 12. The mortgage also contains a manufactured home rider executed by the Defendants which provides that the home was to be permanently part of the real property that secures the mortgage and that the mobile home was an improvement to the land and an immovable fixture considered a part of the real estate. 13. It was clearly the intention of the parties that the $139,080.00 loan be secured by a mortgage on both the land and the house. 14. Plaintiff obtained photographs of the house which reflect front and back porches, landscaping, permanent utility hookups, and an asphalt driveway which show the home's permanent affixation to the land. Attached hereto, made part hereof, and marked as Exhibit "D" are true and correct copies of the photographs of the subject property. 15. A search of the Pennsylvania Department of Transportation ("PennDOT") records provides that the 1997 Skyline Mobile Home has a vehicle identification number of 2GI 10149ABJ and is titled to Teresa S. Warren. A true and correct copy of the vehicle record abstract is attached hereto, made part hereof and marked as Exhibit "E". 16. Plaintiff is not in possession of the original vehicle title to submit an application to PennDOT to have the existing title cancelled. 17. Plaintiff also seeks confirmation that any alleged interest of National City Bank in the Mobile Home be divested as the manufactured home rider evidences the parties intent that the vehicle not be a separate and distinct lienable piece of property. 18. It is Plaintiffs intention to then cancel the vehicle title, pursuant to the procedures of PennDOT since the home is not a vehicle. 19. Plaintiff has followed the instructions of PennDOT with respect to this motion. A true and correct copy of PennDOT's instruction sheet is attached hereto, made part hereof and marked as Exhibit "F" 20. Pa R.C.P. 1061(b)(2) provides for an action to quiet title to determine any right, title, or interest in realty. As such, this Court has authority to convert title to the mobile home realty and the Plaintiffs name. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order declaring that the dwelling at 251 Neil Road, Shippensburg, PA 17257, Cumberland County, with a tax parcel I.D. number of 39-13-0102-040, is equitably converted to real estate,not subject to separation from land, cancel title to one 1997 Skyline Mobile Home bearing vehicle identification number 2G110149ABJ, and divest the lien holder of any interest in the 1997 Skyline Mobile Home with vehicle identification number 2GI 10149ABJ superior to that of Plaintiff s is CONFIRMED. AN & SCHMIEG, LLP Date: By: l J ne avey, Esquire, No. 8707 auren R. Tabas, Esquire, I.D. No. 337 Attorneys for Plaintiff One Penn Center, Suite 1400 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 P: 215-563-7000 F: 215-563-4491 jenine.davey@t'edphe.com lauren.tabas(a,fedphe. com EXHIBIT A ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 STATE WRIT TAR $0.50 STATE JCS/ACCESS TO $10.00 JUSTICE RECORDING FEES - $28.00 RECORDER OF DEEDS AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $55.00 Instrument Number - 200818335 Recorded On 6/3/2008 At 11:03:39 AM * Total Pages - 13 * Instrument Type - MORTGAGE Invoice Number - 22145 User ID - AF * Mortgagor - DOYLE, BAZIL F * Mortgagee - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC * Customer - MEYMAX TITLE AGENCY LLC * FEES Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA RECORDER O? " - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OW508 III 1 l Prepared By: Taylor, Bean & Whitaker Mortgage Corp. 1417 North Magnolia Ave Ocala, FL 34475 Return To: MEYMAX TITLE AGENCY 32 W. HOSTER STREET, STE 220 COLUMBUS OH ft 43215 E'J,? b14- aal.-8caa r1 Parcel No.: 39-13-M02-040 ISpam Above Ttib Line For Recording Dotal J ? MORTGAGE FHA CASE NO. LI: 4414118485-703 MIN: 100029600022455822 THIS MORTGAGE ("Security In?sstrument') is given on January 07, 2008 The mortgagor is BAZIL F. DOYLE Ind JUDITH A. DOYLE, husband and wife 1t ILtt UI.tt. F, b ty&e, ("Borrower'. This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. ("MERS"). MERS is a separate corporation that is acting solely as nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Taylor, Bean & Whitaker Mortgage Corp. under the laws of FL ("Lender") is organized and existing and has an address of 1417 North Magnolia Ave, Ocala, FL 34476 , Borrower owes Lender the principal sum of One Hundred Thirty Nine Thousand Eighty and no/100, (U.S. S 138,080.00 This debt is evidenced by Borrower's note dated the same date as this Security instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on February 01, 2038 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS ^ t7 (solely as nominee for Lender, and Lender's successors and assigns) and to the successors and assigns of MERS the following described property located in Cumberland County, Pennsylvania: PENNSYLVANIA FHA MORTGAGE b/% MM 0 ITEM 77SLI (0708) awl I ¦..1 7?1? ?I I?I (paw 1 or D) T277S_20071107.100000 See Attached Exhibit A. which has the address of Shippensburg [Cih'1 251 NEIL RD [Street] Pennsylvania 17257 ("Property Address"); Clip Coda] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MFRS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right. to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against an claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender mast pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"? or in any year in which such premium would have been requited if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (it) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate PENNSYLVANIA FHA MORTGAGE M[Rs ownunu*REM 277512 (omo) (Paps 2 of 9) Settlement Procedures Act of 1974, 12 U.S.C. § 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RESPA'), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess fiords as required by RESPA. If the amounts of fiords held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Leader the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: FIRST, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; SECOND, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; THIRD, to interest due under the Note; FOURTH, to amortization ofhe principal ofhe Note; and FIFTH, to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent requited by the Secretary. All irwrance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security instrument or other transfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for at PENNSYLVANIA FHA MORTGAGE M9rq ITEM 277563 (0709) GF*aW - (Pop 3 of 9) least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concaving Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary t0 protect the value of the Property and Lender's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by Lender under this paragraph shall become an additional debt of Borrower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement at the Note rate, and at the option of Lender shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcemart of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the fiat; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument If Lender determines that any part of the Property is subject to alien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the liar. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. ti. pees. Lender may collect fees and charges authorized by the Secretary. PENNSYLVANIA FHA MORTGAGE Am" ITEM 7775t4 (0700) 0"Dots. (Page 4 of 9) 9. Groands for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of payment defaults, require immediate payment in full of all sums secured by this Security Instrument if (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this Security Instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section 341(d) of the Garn-St. Germain Depository Tnstitutions Act of 1982,12 U.S.C. 1701j-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property, but his or her credit has not been approved in accordance with the requirements of the Secretary. (e) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to _ subsequent events. (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within eight months from the date hereof; Lender may, at its option require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to eight months from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to ran it a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrumart. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in M. However, Lender is not required to permit reinstatement if. (i) Lender has accepted reinstatement after the commencement of foreclosure immediate proceedings within two years 1y preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbearauce by Leader Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any PENNSYLVANIA FHA MORTGAGE MERa ITEM ZTrbr.b (0709) 01811100m- ITEM b d 9) successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security instrument by reason of any demand made by the original Borrower or Borrower's successors in intetest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit. the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other, address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Properly. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower teams, or is notified by any govenunental or regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Leader's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security PENNSYLVANIA FHA MORTGAGE peas I'M 2rr$LG (0708) (?w v 0 oft) Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of breach to Borrower. (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of beach to Borrower, However, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. I& Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may foreclose this Security Instrument by judicial proceedings. Lender shall be entitled to tolled all expenses incurred in pursuing the remedies provided in this paragraph 18, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by applicable law. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Ad of 1994 ("Ad') (12 U.S.C. 3751 et seq.) by requesting a foreclosure commissioner designated under the Ad to commence foreclosure and to sell the Property as provided in the Ad. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any rooordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the foe is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. 20. Waivers Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or firture laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 21. Reinstatement Period. Borrower's time to reinstate provided in paragraph 10 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 22. Purchase Money Mortgage. If any of the debt secured by this Security instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 23. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. PENNSYLVANIA FHA MORTGAGE mots MEN MW (0709) (Pof" ap 7 u'• (Pap 7 of 3) 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)]. ? Condominium Rider ? Growing Equity Rider ? Adjustable Rate Rider ? Non-Owner Occupancy Rider ? Graduated Payment Rider ? Planned Unit Development Rider ? Rehabilitation Loan Rider 0 Other [Specify] Manufactured Home Rider BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in pages I through 9 of this Security Instrument and in any rider(s) executed by Borrower and recorded with it. This is a contract under s and may be enforced under 42 Pa.C.S. Section 5529(b). (Seal) (Seal) BAZ F. DOYLE -Borrower J DITH A. DOYLE -Borrower -(Seal) -Borrower -(Seal) -Borrower _(Seal) -Borrower (Seal) -Borrower Signed, sealed and del Witness PENNSYLVANIA FHA MORTGAGE MenS GrW(30%Im ITEM 2775L8 (0709) (Pa(e a d9) State of r' &Mx?toaA(? County of Mtn ,L,ij t'D On this the 7 day of before me, G ?Q ,?- the undersigned officer, personally appeared 2,t I Oaf tie, known to me (or satisfactorily proved) to be the person(s) whose name(s) ?+^Q ' subscribed to the within instrument and acknowledged that executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seat COMArt ONWEAITHNqNSYIVANIA NaWital J!M Use A 3". Nttttiry Puir1C Cky0(HWftk%0WP*C0W* dnk??tiN16+lM?,2p91 M?rtba?, P?,p,.nN„1u,oltlo,t oI Notatlp CERTIFICATE OF RESIDENCE 1, deliWnamed ?ke do he reby certify that the correct address ofFL 34475 e r i 1417 Month Magnolia Ave, Ocala, Witness my hand this day of )0 L ? V o?C! q? t (J ?1??ASeIntd Lcnder PENNSYLVANIA FHA MORTGAGE Ums 17EM 2775LO (0708) r~oDM r. (Pose 9 Of 9) My commission expires: / f `lll On this 20th day of May 2008, azii Doyle, Jr. C dith A Doyle State of PA, County of Cumberland On the date afore said, before me, personally appeared, Bazil F Doyle, Jr. and Judith A Doyle, husband and wife, known to me (or satisfactory proven) to be the person(s) whose name(s) islare subscribed to the within instrument and acknowledge that he/shetthey executed before me the same for the purposes therein contained. In witness whereof, I here hand Notary P ?Eqt NNSn.V WIA Seal: M mmission es: N0a"W ? Uw Al9My. NoWyP'u * of HW#WXg, >h Counp, MY ?pMai,arly 21, 201 MWjW P"M% Msodsuon d troanss 4 • MANUFACTURED HOME RIDER STATE OF PA ) Loan mb Ss: COUNTY OF Cumberland ) This Manufactured Home Rider is made on this day 117120Oa , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date, given by the undersigned (the "Borrower") to secure Borrower's Note to Taylor Bonn & WhItsker MortgaM Cocp(the "Lender") of the same date and covering the Property described in the Security Instrument which is located at: 251 ucu on Sr+IRpensburg OA 97957 Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows: A. The Property covered by the Security Instrument (referred to as "Property" in the Security Instrument) includes, but is not limited to the Manufactured }come (Serial Number: Model: Make: Year: Size: ) Label/Seal No.: affixed to the property legally described in the Security Instrument. B. Additional Covenants of Borrower: 1. Borrower will comply will all state and, local laws and regulations regarding the affixation of the Manufactured Home to the property described in the Security Instrument including, but not limited to, surrendering the Certificate of Title (if required) not obtaining and recording the requisite governmental approval and accompanying documentation necessary to classify the Manufactured Home as real property under state and local law, including a statement of ownership and location. 2. The Manufactured Home described above will be, at all times and for all purposes, permanently affixed to and part of the property described in the Security Instrument. 3. Affixing the Manufactured Home to the property described in the Security Instrument does not violate any zoning laws or other local requirements applicable to manufactured homes. Before me, the undersigned authority duly authorized to take acknowledgments and administer oaths personally appeared BAZIL F. DOYLE, JUDITH A. DOYLE ("Affiants") who, upon being duly sworn, depose and say as follows: Affiants hereby certify that, upon taking title to the property described above, they will do the following: The manufactured home will be permanently part of the real property that secures the Security Instrument executed on 11712008 All necessary documentation required will be supplied to perfect title in the Manufactured home. Manufactured Home is an improvement to the land and an immoveable fixture considered as real estate. Affiants acknowledge that this Affidavit of Intent is given as a material inducement to cause Taylor, Bean & Whitaker Mortaam Corp. to make a mortgage loan to Affiants and that any false statements, misrepresentations or material omissions shall constitute a breach of the Affiant's obligation to TiWlor. Bean & Whitaker Mortoa" Corp- and that all the provisions of the mortgage indenture concerning default on the Promissory Note will thereupon be in full force and effect. 3. Affiants further acknowledge that it is a Federal crime punishable by fine or imprisonment or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, at seq. C0135L1 - Manufactured Hoare Rider I Page 1 of2 1111119 Mai nil gal 0 IN IN NI ICI III II`?I III CO 135_20070914.100002 I Loan Number: 4. The agreements and covenants contained herein shall survive the closing of the mortgage loan transaction. AZII. F. YLE a' Date-(-() IIIIJDITH A. DOYLE Date Date Date Date Date State of f<t County of -Y AThe forgoing instrum,}nt was acknowledged before me this day of by 1' ? ?r-Q as identification, , A r/ ?? o who is personally known to me or who has produce COMMONWEALTH OF PENNSYLVANIA 40111111" Sam (Seal) LWe A. S ONY NOWY PUtft awofHWrh4te'.OeoPt? ?kY Notary Public MY OOIrInMr10!? Blplfer JMy 24, ZO t 1 Member. Penri"veme Meodetton of NolefNe C01351_2 - Manufactured Home Rider Page 2 of 2 FIRM FILE NO: PA0712-002-DOYLE Date: 01/07108 Property: 251 Nail Road, Shlppensburg, PA 17257 Loan Number's Parcel Number: 39-13-0102-040 Exhibit A Legal Descriptbn ALL THAT CERTAIN LOT, TRACT OF LAND, PARCEL, PIECE OF GROUND WITH THE BUILDINGS AND IMPROVEMENTS THEREON ERECTED, SITUATE IN SOUTHAMPTON TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE CENTERLINE OF CLEVERSBURG ROAD AT CORNER OF LOT NO. 11 ON THE HEREINAFTER MENTIONED PLAN; THENCE ALONG THE CENTERLINE OF CLEVERSBURG ROAD, BY A CURVE TO THE RIGHT HAVING A BEARING OF NORTH 22 DEGREES 56 MINUTES 23 SECONDS WEST, A DISTANCE OF 86.23 FEET TO A POINT; THENCE ALONG LOT NO.9 OF PLAN FOR JOHN H. BILLMAN, NORTH 68 DEGREES 05 MINUTES 37 SECONDS EAST, 172.31 FEET TO A POINT AT OTHER LANDS OF JOHN BILLMAN, NORTH 68 DEGREES 06 MINUTES 37 SECONDS EAST, 172.31 FEET TO A POINT AT OTHER LANDS OF JOHN BILLMAN: THENCE ALONG THE LATTER; SOUTH 29 DEGREES 06 MINUTES 56 SECONDS EAST, 80.12 FEET TO A POINT AT CORNER OF LOT NO. 11 ON HEREINAFTER MENTIONED PLAN; THENCE ALONG THE LATTER; SOUTH 56 DEGREES 03 MINUTES 36 SECONDS WEST, 172.58 FEET TO A POINT, THE PLACE OF BEGINNING. CONTAINING 14,357.2 SQUARE FEET AND BEING LOT NO. 10 AS SHOWN ON THE PLAN OF WALNUT GROVE RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS FOR CUMBERLAND COUNTY IN PLAN BOOK 41, PAGE 59. TAX ID #: 39-13-0102-040 BY FEE SIMPLE DEED FROM JOHN H. BILLMAN AS SET FORTH IN DEED BOOK 182, PAGE 140 AND RECORDED ON 7/2811998, CUMBERLAND COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR THIS PROPERTY. THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE. EXHIBIT Al ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number - 201000383 Recorded On 1/6/2010 At 11:24:25 AM * Instrument Type - ASSIGNMENT OF MORTGAGE Invoice Number - 58818 User ID - AF * Mortgagor - DOYLE, BAZIL F JR *.Mortgagee - BAC.HOME LOANS SERV L P * Customer - JAM TRANSFERS * FEES STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 JUSTICE RECORDING FEES - $11.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 FEES COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 * Total Pages - 3 Certification Page DO NOT DETACH This page is now part of this legal document. I Certify this to be recorded in Cumberland County PA RECORDER OF DADS sao * - Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OOOS50 IIIIIIIIIIIIIII 11/1111111 ASSIGNMENT OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS that "Mortgage Electronic Registration Systems, Inc." hereinafter "Assignor" the holder of the Mortgage hereinafter mentioned, for and in consideration of the sum of ONE DOLLAR ($1.00) lawful money unto it in hand paid by BAC HOME LOANS SERVICING, L.P., "Assignee," the receipt whereof is acknowledged, has granted, bargained, sold, assigned, transferred and set over unto the said Assignee, its successors and assigns, ALL THAT CERTAIN Indenture of Mortgage given and executed. by BAZIL F. DOYLE, JR and JUDITH DOYLE to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED AS A NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., bearing the date 01/07/2008, in the amount of $139,080.00, together with the Note and indebtedness therein mentioned, said Mortgage being recorded on 01/14/2008 in the County of CUMBERLAND, Commonwealth of Pennsylvania, in Mortgage Instrument No. 200801309, MIN: 100029500022455822, Being Known as Premises: 251 NEIL ROAD, SHIPPENSBURG, PA 17257-0000 Parcel No: 39130102040 The transfer of the mortgage and accompanying rights was effective at the time the loan was sold and consideration pus0OS?? Assignor. This assignment is solely intended to describe the instrument sold in a manner sufficient to put third parties on public notice of what has been sold. Also the Bond or Obligation in the said Indenture of Mortgage recited, and all Moneys, Principal and Interest, due and to grow due thereon, with the Warrant of Attorney to the said Obligation annexed. Together with all Rights, Remedies and incidents thereunto belonging.-,-?nd-all-its Right,-T-itle,-Interest,-Property,-Claim_and.Demand,_in and-to-the-satae:_,_, TO HAVE, HOLD., RECEIVE AND TAKE, all and singular the hereditaments and premises granted and assigned, or mentioned and intended so to be, with the appurtenances unto Assignee, its successors and assigns, to and for its only proper use, benefit and behoof forever; subject, nevertheless, to the equity of redemption of said Mortgagor in the said Indenture of Mortgage named, and his/her/their heirs and assigns therein. IN WITNESS WHEREOF, the said "Assignor" has caused its Corporate Seal to be herein affixed and these presents to be duly executed by its proper officers this 24th day of November, 2009. MortgSge Electronic Registration Systems, Inc By: erylt,?•1s•p Sealed and Delivered Judith T. Ro o, Assistant Secretary d Vice President in the presence of us; State of Pennsylvania ss. County of Philadelphia On this 24th day of November, 2009, before me, the subscriber, personally appeared Judith T. Romano, who acknowledged herself to be the Assistant Secretary and Vice President of Mortgage Electronic Registration Systems, Inc., and that she, as such Assistant Secretary and Vice President, being authorized to do so, executed the foregoing instrument for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. COMMONWE.kLTH OF PE?t'vAN1A NOTARIAL SEAL Stamp/Seal: Notary Public E JASKIE--- Notary Publ? Coun city of P hiladelphia, PhAugust 13, My ty _ 12 20 C mmission Expires The precise address of the within named After recording return to: Assignee is: Phelan Hallinan & Schmieg, LLP 7105 CORPORATE DRIVE 1617 JFK Boulevard, Suite 1400 November 21, 2009 PLANO TX 75024 One Penn Center Plaza Document Execution By: Philadelphia, PA 19103 PHS # 222699 or Assignee) ALL THAT CERTAIN lot, tract of land, parcel, piece of ground with the buildings and improvements thereon erected, situate in Southampton Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the centerline of Cleversburg Road at corner of Lot No. 11 on the hereinafter mentioned Plan; thence along the centerline of Cleversburg Road, by a curve to the right having a bearing of North 22 degrees 55 minutes 23 seconds West, a distance of 86.23 feet to a point; thence along Lot No. 9 of Plan for John H. Billaman, North 68 degrees 05 minutes 37 seconds East, 172.31 feet to a point at other lands of John Billman, North 68 degrees 05 minutes 37 seconds East, 172.31 feet to a point at other lands of John Billman; thence along the latter; South 23 degrees 06 minutes 56 seconds East, 80.12 feet to a point at corner of Lot No. 11 on hereinafter mentioned Plan; thence along the latter; South 66 degrees 03 minutes 36 seconds West, 172.58 feet to a point, THE PLACE OF BEGINNING. CONTAINING 14,357.2 square feet and being Lot NO. 10 as shown on the Plan of Walnut Grove recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 41, Page 59. BEING THE SAME PREMISES which Barry Oberholtzer and Edna OBerholtzer, his wife, by Deed dated March 31, 1976 and recorded on April 5, 1976 in the Recorder of Deeds Office in and for Cumberland County in Deed Book 26-N, page 142, granted and conveyed unto John H. Billman. EXHIBIT B O H M -M c A R+ O to N y0i' 1 \ O b I°•1 tQ 0 0 t! 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I K o m o w A m m 0 ° m ? • I I OZ I w r I W (n I I co in I I A m I I I 1 A P73JU00 Cpor 900LS69LTL YVA ZZ:LT TTOZ/OT/TO EXHIBIT C S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES 441-8118496 APPRAISAL OF LOCATED AT: 261 Nell Road Shippensburg, PA 17267-9403 FOR: Flagship Mortgage Corporation 100 Old Wilson Bridge Rd - Ste 207 Columbus, OH 43086 BORROWER: Bazil & Judith DOYLE AS OF: November 30, 2007 BY: Stan A. Skowronek Certified Residential Appraiser L S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES 441-8118496 12!04/2007 Flagship Mortgage Corporation 100 Old Wilson Bridge Rd - Ste 207 Columbus, OH 43086 File Number: 07-0466 In accordance with your request, I have appraised the real property at: 261 Neil Road Shippensburg, PA 17267-9403 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the market value of the property as of November 30, 2007 is: $160,000 One Hundred Sixty Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully submitted Stan A. Skowronek Certified Residential Appraiser S. W. Barrett Real Estate & Appraisal Services 441-8118496 Manufactured Home Appraisal Report File No. 07-0466 The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property. Property 251 Neil Road C' Shi ensbUr State PA Zip Code 17267-9403 Borrower Bezil 8r Judith DOYLE Owner of Public Record Doyle, Bazil & Judith Count Cumberland Legal Description Deed Book 182, a e 140 Assessor's Parcel # 39-13-0102-040 Tax Year 06107 R.E. Taxes $ 1,466.00 Nei hborhood Name Southern ton Townshi Ma Reference 13-0102 Census Tract 0131.01 occupant Owner Tenant Vacant Project T e if applicable F) EJ Condominium Cooperative Other describe Special Assessments $ N/A HOA E N/A per year per month -13 ) Pro ert Ri his raised Fee Sim a Leasehold Other describe Assi nment T e Purchase Transaction Refinance Transaction Other describe Lender/Client Flagship Mortgage Corporation Address 100 Old Wilson Bridge Rd - Ste 207, Columbus OH 43086 Is the subject property offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No Report data source(s) used, offering price(s). and date(s). Multi-List System Manufactured homes located in either a condominium or cooperative project require the appraiser to inspect the project and complete the Project Information section of the Individual . rt Condominium Unit A raisal Report or the Individual Cooperative Interest Appraisal Report and attach it as an addendum to this repo I did did no[ analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not performed. N/A N/A Contract Price $ N/A Date of Contract N/A Is the property seller the owner of public record? Yes No Data Source(s) L Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No It Yes, report the total dollar amount and describe the items to he paid. $ N/A N/A 1 did did not analyze the manufacturer's invoice. Explain the results of the analysis of the manufacturer's invoice or why the analysis was riot performed. Not available. Retailer's Name New Construction N/A Note: Race and the racial com neitlon of the oar hhr,rhrina are -1 a raisal factors. tl.g1,4-nocxl Characto1,0C5 Mamptactured Housing Trends Manufacturp<+Iaollsm0 Present Land tI Location Urban Suburban Rural Property creasincl MX Stable Declinin PRICE AGE One-Unit 60 % Built-U Over 75% 25-75% Under 25% Demand/Su I Shortage In Balance Over Supply $(DUO) s 2-4 Unit O % Growth Rapid Stable Slow Marketin Time Under 3 mths 3-6 mths Over 6 mths Neighborhood Boundaries The sub exit is bounded on the north b route 641, on the east b 120 Low New 226 High 100 Multi-Fami 0% Commercial 0% Baltimore Rd on the south b Nell Rd and on the west b route 696. Neighborhood Description The subject is located in an area of mixed residential and agricultura 150 Pred. 16 other Vac 40% l uses which are common to Western Cumberland County. It is within reasonable driving distance to ammenlties such as schools sho in and employment Market Conditions (including support for the above conclusions) See Attached Addendum Dimensions See legal description Area.33 Acre mil Shape Rectangular View Open count S ecific Zonin Classification VC Zoning Description Villa a Center Zonin Com liance X Le al Legal Nonconforming Grandfathered Use) LJ No Zonin IlIe al describe Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? X Yes No If No, describe Utilities Public other describe Public Other describe Off-site Improvements-Type Public Private Electricit X 200 Am Water X Street Macadam X Sanitary Sewer Ailey None Gas Li X Li Li FEMA Special Flood Hazard Area X Yes No FEMA Flood Zone AE FEMA Ma # 421587 00168 FEMA Ma Date 08/04/1988 Are the utilities and off-site improvements typical for the market areal Yes No If No, describe . Is the site size, shape and topography generally conforming to and acceptable in the market area? X Yes No It No, explain Is there adequate vehicular access to the subject property? Yes No If No, describe Is the street properly maintained? X Yes No If No, describe _ Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes X No If Yes, describe The HUD Data Plate/Compliance Certificate is located on the interior of the subject and contains, among other things, the manufacturer's name, trade/model name, year manufactured and serial number. The HUD Certification Label is located on the exterior of each section of the home. Is the HUD Data Plate/Compliance Certificate attached to the dwelling? X Yes No If Yes, identify the location. If No, provide the data source(s) for the HUD Data Plate/Compliance Certificate information. Closet of master bedroom. Is a HUD Certification Label attached to the exterior of each section of the dwelling? X Yes No If No, provide the data source(s) for the HUD Certification Label #'s Manufacturer's Serial # s NIN #(s) 211311-0149-ABJ HUD Certification Label #(s) UU-429302 & ULI-429303 Manufacturer's Name Unknown Trade/Model Skyline #BKS1034TR1.52026203 Date of Manufacture 06/11/1996 Do the Wind, Roof Load, and Thermal Zones meet the minimum HUD requirements for the location of the subject property? Ves No If No. explain ma?rw,,, ,moo mwrn,<w? Inquca0 u.n9 MCI SpMa/9. tl1XJ.l3a.tl/2]WVnv.aclWeu.com r an- Page t d 7 1W4c 050fiZBW S. W. Barrett Real Estate & Appraisal Services 441-8118495 Manufactured Home Appraisal Report File No. 07-0466 Genera] Descrl tl on F-dati- Exterior Descrl I- metertalslcundiYion rnterlw -terlalalconditlon / of Units One Additions Poured Concrete Concrete Runners Skirting Aluminum/Av Floors c Win I/Av N of Stories 1 2 Other Block & Pier Other-att. description Exterior Walls Vin 1/Av Walls Vinyl/Avg Design S le Doublewide/w addition Full Basement Partial Basement Roof Surface Com oSh le/Av Trim/Finish Vin I/Av / of Sections 1 2 3 Basement Area O s q. ft. Gutters & Downspouts Aluminum/AV Bath Floor Vinyl/Avg Other Basement Finish N/A % Window Type Single Hung/Avg Bath Wainscot Vin I/Av T Det. Att. S-Det./End Unit Outside En /Exit Sum Pump Storm Sash/Insulated Thermal/Avg Car Storage None Existin Pro osed Under Cons-. Evidence of Infestation ScreensYse/AvU Lk Driveway x of Cars 2 Year Built 1996 E ffective Age rs 6-10 Dampness Settlement Doors Hollow Core /Av Driveway Surface Macadam Attic 1XJNone Heatin FWA HWBB Radiant Amenities Wood Stoves N Garage 8 of Cars Oro Stair Stairs Other Fuel Kero Fireplace(s) S Fence carport F of Cars H Floor Scuttle Coolin Central Air Conditionin Patio/Deck Porch Attached Detached Finished Heated Individual Other Pool Other Built-in Appliances Refri erator UKJ Ran elOven Dishwasher Dis osal Microwave Washer/D er Other describe Finished area above grade contains: 7 Rooms 4 Bedrooms 2 Baths 1,988 Square Feet of Gross Living Area Above Grade Describe any additions or modifications (decks, rooms, remodeling, etc.) Front and rear porches as well as side enclosed porch. Ceiling fans. Installer's Name Unknown Date Installed Nunknown Model Year 1996 Is the manufactured home attached to a permanent foundation system? Yes No If No, describe the foundation sytem and the manner of attachment. Have the towing hitch, wheels. and axles been removed? Yes No If No, explain Is the manufactured home permanently connected to a septic tank or sewage system and other utilities? Yes No If No, explain Does the dwelling have sufficient gross living area and room dimensions to be acceptable to the market? X Yes L-JNo If No, explain Additional features (special energy efficient items, non-realty items, etc.) None The appraiser must rate the quality of construction for the subject unit based on objective criteria (such as N.A.D.A. Manufactured Housing Appraisal Guideo, Marshall & Swift Residential Cost Handbook® , or other ublished cost service . The a raiser must also report the source used for this quality of construction ratio determination. Quality Poor Fair Avera a Good Excellent Identify source of quality ratio Inspection Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). Improvements are in average condition with no physical or functional Inadequacies noted. Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes X No If Yes, describe Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? X Yes No If No, describe Provide adequate information for the lender/client to replicate the below cost figures and calculations. Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) A review of land sales within the past twelve months of acreage ranging from .27 acres to .36 acres resulted in a rice range of $46,000 to $48,000. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW Source of cost data Effective date of cost data Quality ratio from cost service OPINION OF SI TE VALUE $ 46,000 Exterior Dimensions of the Subject Unit Section One S q. ft. Cm S $ 0 14.00 x 66.00- 784 s q. ft. Section Two S q. ft. c S $ 14.00 x 56.00 = 784 S q. ft. Section Three S q. ft. c S $ Addition 14 x 30.00. 420 s q. ft. Section Four S. ft. Cm $ $ x - O S. ft. $ Total Gross Living Area: 1,988 S . ft. $ Other Data Identification $ N.A.D.A. Data Identification Info: Edition Mo: Yr: Sub-total: $ 0 MH State: Radon: Size: ft. x ft. Cost Multiplier (if a licable): x Gray White pa. Black SVS pg. Modified Sub-total: 0 15 ears and older Conversion Chart pg. Yellow pg. Physical Depreciation or Condition Modifier: Comments Functional Obsolescence (not used for N.A.D.A.): External Depreciation or State Location Modifier: Delivery, Installation, and Setup (not used for N,A,D.A.): $ Other Depreciated Site Improvements: $ Market Value of Subject Site (as supported above): $ 46,000 Indicated Value b Cost A roach: t N/A Estimated Remainin Economic Life HUD and VA only) 45 Years Summary of Cost Approach Cost Approach deemed a poor Indicator of value due to age of the Improvements. • NPaga2 of 7 .??'w.4N1 ra„r„e ,.ae rwn i w•? n-arcn euu 10U?C_0505I905 S. W. Barrett Real Estate & Appraisal Services 441-8118495 Manufactured Home Appraisal Report File No. 07-0466 There are O comparable properties current) of fered for sale in the subject neighborhood ranging in rice from $ 136,000 to $ 190,000 There are 3 comparable sales in the subject ne i hborhood within the past twelve months ran in in sale rice from S 136,000 to f 190.000 FEATURE SUBJECT COMPARABLE SALE No. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 261 Neil Road Address Shi ensburg 16 Ian Court Shi ensbur 6 Ian Court Shi ensbur 261 Newburg Road Newburg Proximity to Subject 0.44 MI N 0.47 MIN 7.8 MI NW Sale Price _ s N/A i 140 000 S 139 900 I s 149,900 Sale Price/Gross Liv. Area s 0.00 ft. $ 108.02 s . ft. _ $ 96.96 s . ft. --- $ 104.68 s . fL Manufactured Home Yes No --J Yes No W I yes N. Data Sources Ins n Courthouse Courthouse MLS Verification Sources CoUrth a Courthouse VALUE ADJUSTMENTS DE ICPIPTIOrJ DESCRIPTION + • f Adjustment DESCRIPTION , • s Adjustment DESCRIPTION , • s Adjustment Sale or Financing Concessions N/A Unknown Unknown $2,600 Cl. Cate FHA Date of Salerrime N/A' 0212212007 1210412006 0311612007 Location Suburban Suburban Suburban Suburban Leasehold/Fee Simple Fee Simple Fee simple Fee Simple Fee Simple site .33 Ac/Av .38 Ac/Av .42 Ac/Av 1.04 Ae/Av View Open count Residential Residential Open count Desi n (Style) Dbl*WW/addn Doublewide Doublewide Doublowl a Quality of Construction Avers a Average Average Averaqe Actual Age 11 Years 1 Year 8 Years 18 Years Condition Above Grade AV@ra Total edm16a eaths AVBra a Taal earns Banns Avera a Total Bdnms. Batas AVera e Tots Bdrms cams Room Count 7 4 2 6 3 2 6 3 2 6 3 2 Gross Livino Area20.OO 1,988 s q. ft. 1 296 ft. 13,840 1,468 s q. ft. 10,600 1,432 . ft. 11 120 Basement & Finished Rooms Below Grade Crawl Space Crawl Space Crawl Space Crawl Space Functional Utility Avera a Avera a Average Averal3e Heatin /Coolie FHA/CA FHA/CA FHA/CA FHA/CA Energy Efficient Items Typical Typical T Ica) Typical Gara e/Car rt None None None 2 Car Garage -7,500 Porch/Patio/Deck EnCIPor1Prchs1P None 7,600 None 7,600 B /Patio 6,000 Net Adjustment Total $ 21,340 I + -1 $ 18 100 -1 M. - $ 8,620 Adjusted Sale Price of Com arables Net Adj. 15.2% Gross Ad'. 16.2% S 161 340 Net Adj. 12.9% Gross Acq. 12.9% S 168 000 Net Adj. 5.8% Gross Adj. 15.8% S 168,620 I X did did not research the sale or transfer history of the subject property and comparable sales. If not, explain research did did not reveal an prior sales or transfers of the subject property the three ears prior to the effective date of this a ppraisal. Data sources Courthouse Records M research did did not reveal an prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data sources Courthouse Records Report the results of the research a nd analysis of the prior sale or transfer h isto of the subject property con arable sales re ort additional prior sal es on page 4). ITEM SUBJECT COMPARABLE SALE NO. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 Date of Prior Sale/Transfer 0712811998 0611612006 Lot 0 612 811 9 9 9 Lot 0210611992 Price of Prior Sale/Transfer $9,000 $29,900 $18,900 $67,000 Data Sources Courthouse Courthouse Courthouse Courthouse Effective Date of Data Sources 12/04/2007 12/04/2007 1210412007 12/04/2007 Analysis of prior sale or transfer history of the subject property and comparable sales No prior transfer's of the subject within the past 36 months nor were there an prior transfers of the com arables within 12 months of their sale date. Summary of Sales Comparison Approach. Opinion of value range Is $168,000 to $161,000. No site ad ustment for comparable #3 since it is serviced b well & se tic. Lack of suitable doublewide con arables within the subjects immediate vicinity required an expanded search area. These are the best sales com arables known to be available. Indicated Value b Sales Comparison Approach $ 160,000 Indicated Value b : Sales Comparison Approach s 160,000 Cost Approach s N/A Income Approach if developed) S N/A The Market Data Anal sis supports m opinion of value for the subject. The Cost Approach was not deemed an appropriate indicator of value due to the age of the subject and therefore was not Included herein. The Income Approach was also deemed Inappropriate for this analysis. This appraisal is made X "as is," subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ? subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ? subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: _ Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value. as defined, of the real property that is the subject of this report is $ 160,000 as of 11/3012007 , which is the date of inspection and the effective date of this appraisal. rredae Mac roan loft W M 2Wb Rodaced -9 Act sonware. 600.234.8727 www.aci .wm raMe Mae roan 1 taHt: Ma- ewe Page 3 a 7 1 W4C_o6 062906 S.W. Barrett Real Estate & Appraisal Services S. W. Barrett Real Estate & Appraisal Services AA4_GAAOAftL Ivlanuractureo Home Appraisal Report File No. 07-0466 INCOME APPROACH TO VALUE (not required by Fannie Mae) Estimated Monthly Market Rent $ N/A X Gross Rent Multiplier N/A = S MIA Summary of Income Approach (including support for market rent and GRM) N/A ' PROJECT INFORMATION FOR PUD., nr Ar, r,u?Ar,m? N/A T if the developer/builder is in Are the units, common elements, and recreation facilities complete? Yes L) No If No, describe the status of completion. Are the common elements leased to or by the Homeowners' Association? Yes No If Yes, describe the rental terms and options. N/A Describe common elements and recreational facilities. N/A rt duc S. W. Barrett Real Estate & Appraisal Services 441-8118495 Manufactured Home Appraisal Report File No. 07-0466 This report form is designed to report an appraisal of a one-unit manufactured home; including a manufactured home in a planned unit development (PUD). A Manufactured home located in either a condominium or cooperative project requires the appraiser to inspect the project and complete the project information section of the Individual Condominium Unit Appraisal Report or the Individual Cooperative Interest Appraisal Report and attach it as an addendum to this report. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions" granted by anyone associated with the sale. 'Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. reddie Mac o 70B March 2005 Prod-d wdny ACI.nllwara 500.204.8727 vmnv.adw h-m Fanrge a o 10010 2005 Peg. 5 d 7 a S. W. Barrett Real Estate & Appraisal Services 441-8118496 Manufactured Home Appraisal Report File No. 07-0466 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I also developed the cost approach to value as support for the sales comparison approach. I have adequate comparable market and cost data to develop reliable sales comparison and cost approaches for this appraisal assignment. I further certify that I considered the income approach to value but did not develop it, unless otherwise indicated in this report. 5. 1 researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. 1 obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. 1 have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. 1 stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. 1 have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. 1 did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. 1 identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70B Mar 2005 Prod-d -ft ACI wl arcs a0;301.e727 v.M+v.aeivnb.cem Fannie a m 1000C March 7005 Page a ----- -- ______ S. W. Barrett Real Estate & Appraisal Services 441-8118496 Manufactured Home Ar)oraisal RPnnrt ...« 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. 1 accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER (l S Signature ? C( rho Name Stan A. Skowronek Company Name Barrett Real Estate and Appraisal Svcs Company Address 126 North Hanover Street Carlisle. PA. 17013 Telephone Number 1-717-243-6646 Email Address stanskowronekdZlvahoo.com Date of Signature and Report 12/0412007 Effective Date of Appraisal 11130/2007 State Certification # RL001672L or State License # or Other (describe) State # State PA Expiration Date of Certification or License June 30. 2009 Certified Residential Appraiser ADDRESS OF PROPERTY APPRAISED 261 Neil Road Shippensbura, PA 17267-9403 APPRAISED VALUE OF SUBJECT PROPERTY $160,000 LENDER/CLIENT Name Company Name Flagship Mortgage Corporation Company Address 100 Old Wilson Bridae Rd - Ste 207 Columbus. OH 43086 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) - Signature ZL) /_2 Name Steven W. Barrett. SRPA, SRA Company Name Barrett Real Estate and Appraisal Svcs Company Address 126 N. Hanover Street Carlisle, PA 17013 Telephone Number 1-717-243-6646 Email Address Date of Signature 12/04/2007 State Certification # GA000298L or State License # RB026921A State PA Expiration Date of Certification or License June 30, 2009 Certified General Appraiser SUBJECT PROPERTY QX Did not inspect subject property ? Did inspect exterior of subject property from street Date of Inspection ? Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ® Did not inspect exterior of comparable sales from street ? Did inspect exterior of comparable sales from street Date of Inspection S.W. Barrett Real Estate & Appraisal Services ,OWC_OS 083Y08 Borrower. Bazil & Judith DOYLE File No.: 07-0466 Property Address: 251 Neil Road Case No : 441-8118496 City: Shippensburo State: PA Zip: 17257-9403 Lender: Flagship Mortgage Corporation Market Conditions List/Sale ratio approximately 95%u. 1 have considered relevant competitive listings and/or contract offerings in the performance of this appraisal and in the trending information reported in this section. If a trend is indicated, I have attached an addendum providing relevant competitive listing/contract offering data.Property sales records and MLS statistics show a steady, moderate Increase in property values over the past year. Average marketing time of 90-120 days shows a goad balance of supply and demand. Few sales and financing concessions are needed in the neighborhood. - . i a i SLJR.1FCT PRnPFC?TV PI-4nT/'1 Arnn=hln. - Borrower: Bazil $ Judith DOYLE _ ?v` ." Y File No.: 07-0466 PropertV Address: 261 Neil Road Case No 441-8118495 City. Shippensburn State: PA Zip: 17267-9403 Lender: Flagship Mortgage Corporation FRONT VIEW OF SUBJECT PROPERTY Appraised Date: November 30, 2007 Appraised Value: $160,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Bazil & Judith DOYLE File No.: 07-0466 Property Address: 261 Neil Road Case No.: 441-8118496 City: Shippensburg State: PA Zip: 17267-9403 Lender: Flagship Mortgage Corporation COMPARABLE SALE #1 16 Ian Court Shippensburg Sale Date: 0212212007 Sale Price: $ 140,000 COMPARABLE SALE #2 6 Ian Court Shippensburg Sale Date: 12104/2006 Sale Price: $ 139,900 COMPARABLE SALE #3 261 Newburg Road Newburg Sale Date: 03/16/2007 Sale Price: $ 149,900 FLOORPI AN LOCATION MAP Borrower: Bazil & Judith DOYLE File No.: 07-0466 Property Address: 251 Neil Road Case No.: 441-8118495 City: Shippensburg State: PA Zip: 17257-9403 Lender: Fla shi Morta e Corporation syj LJa1N ??n,+ e4 O ca \ m v is TT365 J _ 0 10 A Rd o ive y 5t C foal i. e L n ? -Im ?v ? ???`0?: ' ? ? ? -•? c«?y. ? -? J`C1 ?- 3? ,"tit ,o ? ? ? N ?? 'Al U1t Ln sr ? © ? ? ?ml v y S bean Gt „a ' s Apt` d ?, ` ?6` ,r' ga _33 Ga ph vi-b ...._.._ s' C, 4 a C7t ",x,?`'. 11 C ? r v em r ' dS Ott di e?1D'?? .? \ ? ?. ? f ¢ '?' (• ,\? ?"}°s .f" Sgt k, Vo mf a?°r c f 49 c s n °r s? DdVew ? d sT n b Y h c Yap ? Kf W d w? t9 dt?l Lt Gr i Mnp t 1894-2007 T.I. At'1 axr A1A Inc Sca j a 1. 1 .62 mike Prepared by Maven VV Barrett R.E. Appr SK. (717)243-6646 it FbadMap Legend FIUOO Zones A-06 iao O"kgRd by'SOo-yvar naoWng Areas adsiids of fM 100- and 506-year tlaadptairm Areas irawWMad by llWyfar flooding Areas 1Mwan"Od by 160-ysar needing wnh vNaegy hw And 1.100Owo/ areas 1`11*004ft an?ai wwh vaiodty hazard Aft*$ ofundelen"Ined bu posaIDie ft" hamfrds Afwas nt1 rltapped an anypuelidhed FIRM F11000 111TOl'MM10l't Comrnunity: 421387 - SOUTHAMPTON. TOWNSHIP OF Property is in a FEMA special flood hazard area. Propolty i- "1fraehin 260 fact of a FMAA,pooial flood hosard araa. Map Number: 421587 10016B Map Date: OSJD4/1988 Panel : 00158 F IF S: 42041 Zone: AE Neither Transamerica Flood Hazard Certification CrFHC) nor ACI make any representations or warranties to any party conoerring the content. accuracy or completeness ofthis flood report, including any warranty of merohantabiiity or fitness for a particular purpose. Neither TFHC nor AC I nor the seller of this flood report shall have any lability to any third party for any use or misuse of this flood report. 441-8118496 ********* QUALIFICATIONS ********* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. 1. The subject is located in a rural area and is less than 26% built-up. 2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. _x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. _x_4. The predominant value in the neighborhood Is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. 5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood Insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. 7. The subject property is serviced by private well and/or septic systems which is common for the area. The subject is older than five(S) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. 9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The Items listed are cosmetic in nature. _10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. _11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. _12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. _13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is considered to be typical and common. _14. Individual adjustments were required that exceed 16%. These adjustments were required due to lack of more similar comparables on that Individual rating. All comparables used are the best available. _16. Total adjustments exceed 26%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the beat available. One or more comparable sales are older than six(6) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables used are the best available. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. _18. The electrical system was not connected during inspection. The water service was not connected during inspection. The heating system was shut down during inspection. _21. Rooflng Plumbing Electrical Heating certification(s) is/are suggested. _22. Inground swimming pool . out buildings are included .not included according to lender's guidelines. _23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. 441-8118496 ********* QUALIFICATIONS ***`***** _24. The subject property Is located on a private road. _26. Wood infestation inspection is suggested. _x_26. Last recorded deed transfer: Date_0712811998 . Consideration: $._9,000 _27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like manner. _28. Seller Is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. _x_30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. 441-8118495 NO. ********* QUALIFICATIONS ********* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal Information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal Information. We do not disclose this Information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and conflentiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the continuing education program of the Appraisal Institute. EXHIBIT D .t, r '°a?" ,. ?- ?, ?? rr - ra ? ? 4 ?? z. - _ t.. ?' t wr?w+aw.ww..a?..i.wr^. ? r?..r .. r. .- ?, .? \? ?,? ? ? ?? 5 .. .. ,,. ? ,. ?, ,. ,?, --_? -' e- _ _ . ??. -° _ R ..? s :,:?-. ".. R? ' . ' ?A? ? ?? ? ?''?•.,? ? ? ?- ?-?_ ? , ? _.1 ?_ ? ?, ?? '; v.•+ ... ,? ? ?',?I i Y! Fi ,q?ea . r.. F... ?-b r-.. P"? ?"" ?'..' i s _,"-, Y?, -... 1 ,ti ^ EXHIBIT E t COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF TRANSPORTATION SAFETY ADMINISTRATION HARRISBURG, PA 17123 6/24/10 13:49 FULL SPECTRUM SERVICES INC 400 FELLOWSHIP RD STE 220 MT LAUREL NJ 08054-0000 CERTIFICATE & ATTESTATION 101750753000394 001 I hereby certify that Anita M. Wasko, Director of the Bureau of Motor Vehicles of the Department of Transportation, is the legal custodian of the Motor Vehicle Records of the Pennsylvania Department of Transportation. IN TESTIMONY WHEREOF, I HAVE HEREUNTO SET MY HAND AND SEAL OF THIS DEPARTMENT ON THE ABOVE DATE IN ACCORDANCE WITH SECTION 6103 OF THE JUDICIAL CODE, TITLE 42, PA. Consolidated Statutes. SECRETARY OF TRANSPORTATION I hereby attest that the Bureau of Motor Vehicles has received your request for information. We are not able to provide this information because the information you requested no longer exists in our files. The Bureau of Motor Vehicles, Record Retrieval Unit, can only provide microfilm copies of records dating back ten years. TITLE: 50476117 VIN : 2G110149ABJ CERTIFIED IN ACCORDANCE WITH SECTION 6103 OF THE JUDICIAL CODE, TITLE 42, PA. Consolidated Statutes. oz, /Vt' 64" ANITA M. WASKO, DIRECTOR BUREAU OF MOTOR VEHICLES PENNSYLVANIA DEPARTMENT OF TRANSPORTATION VEHICLE RECORD ABSTRACT 6/24/10 13:49 PAGE 1 101750753000394 001 OWNER THERESA S WARREN LESSEE NONE 251 NEIL RD SHIPPENSBURG PA 17257 TITLE NUMBER 50476117 TAG NUMBER VIN 2G110149ABJ MAKE SKYLINE MODEL RENEWAL WID PREVIOUS TAG LIENS YES STOPS NO TITLE BRAND INFORMATION NO TITLE BRANDS EXIST FOR THIS TITLE ADDRESS CORRESPONDENCE TO: DEPARTMENT OF TRANSPORTATION VEHICLE RECORD SERVICES PO BOX 68691 HARRISBURG, PA 17106-8691 TITLE DATE : 01/31/97 REGISTRATION EXPIRY DATE: BODY TYPE MH ODOMETER READING *EXEMPT BY FED LAW DUPLICATE TITLE COUNT 0 VEHICLE YEAR 1997 STOLEN DATE INFORMATION: (8:00 AM TO 6:00 PM) IN STATE 1-800-932-4600 OUT-OF-STATE 717-412-5300 TDD IN STATE 1-800-228-0676 TDD OUT-OF-STATE 717-412-5380 WWW.DOT.STATE.PA.US C7507700 2MV0'704 VEHICLE LIENHOLDER DETAIL BY VIN NO 2ND OR 3RD LIENS Title 50476117 FIN No. ELT Ind: Name NATIONAL CITY BANK Address ?PO BOX 577 CLEVELAND OH 44101 Exp Date : 01/31/27 Name Address Exp Date : Name Address Exp Date : 18-DETAIL 15-RETURN EXHIBIT F FACT SHEET Fmo Involuntary Transfer of Ownership of a Vehicle by Court Order PURPOSE This Fact Sheet outlines the procedures that must be followed when applying for a Certificate of Title involving the involuntary transfer of a vehicle's ownership. This procedure involves obtaining a court order and should be used only in those circumstances where it is impossible to transfer ownership of a vehicle by the use of a Certificate of Title or Vehicle Manufacturer's Certificate of Origin. Since every set of facts and surrounding circumstances will be unique, a person attempting to be declared owner of a vehicle where proper ownership documents are not available should seek the advice of a private attorney. THE DEPARTMENT WILL NOT OFFER LEGAL ADVICE REGARDING THE INVOLUNTARY TRANSFER OF OWNERSHIP OF A VEHICLE. PROCEDURES 1. A person attempting to obtain ownership of a vehicle must commence a proceeding with a court of competent jurisdiction setting forth the facts and circumstances of the case. The ownership of the vehicle will be determined by the court. Please note that a sample court order is provided on the reverse side of this fact sheet. UNLESS THE COMMONWEALTH OF PENNSYLVANIA, DEPARTMENT OF TRANSPORTATION IS THE OWNER OF THE VEHICLE IN QUESTION, THE COMMONWEALTH OF PENNSYLVANIA, DEPARTMENT OF TRANSPORTATION IS NOT AN INTERESTED PARTY TO THIS COURT PROCEEDING. THEREFORE, THE COMMONWEALTH OF PENNSYLVANIA, DEPARTMENT OF TRANSPORTATION SHOULD NOT BE A NAMED PARTY IN THE PROCEEDING. 2. A person attempting to be declared owner of a vehicle by court order must notify all persons with an interest in the vehicle of the pendency of the court proceeding. The notification must be sent by certified mail, return receipt requested, and must include the following: (1) A specific description of the vehicle (i.e., year, make, model and VIN); (2) The court of competent jurisdiction where an action will be or has been filed; and (3) The time, date and place of any court proceeding. AT A MINIMUM, THE NOTICE MUST BE SENT TO THE PERSON(S) TO WHOM THE VEHICLE IS PRESENTLY TITLED AND REGISTERED AND EVERY LIENHOLDER THAT IS LISTED ON THE TITLE RECORD. PLEASE NOTE THAT IF A PERSON ATTEMPTING TO BE DECLARED OWNER OF A VEHICLE IS UNAWARE OF ANY PERSON WITH AN INTEREST IN THE VEHICLE, THE PERSON ATTEMPTING TO OBTAIN OWNERSHIP OF THE VEHICLE MAY OBTAIN A CERTIFIED COPY OF THE VEHICLE'S COMPUTER RECORD BY COMPLETING FORM DL-135 (REQUEST FOR VEHICLE INFORMATION), AND SUBMITTING FORM DL-135 TO THE DEPARTMENT ALONG WITH THE APPROPRIATE FEES. October 2006 - over - Bureau of Motor Vehicles - Research and Support Operations Section P.O. Box 68031, Harrisburg, PA 17106-8031 Visit us at wwwAmv.state.pa.us 3. In the event the notice sent to a person with an interest in the vehicle is returned as "Unclaimed," the person attempting to be declared owner of the vehicle must advertise a legal notice at least once in the county legal journal(s) and at least once per week for three consecutive weeks in the newspaper(s) of general circulation where any person known to claim an interest in the vehicle may be located and where the vehicle is located, if these two locations are different. Please refer to the Pennsylvania BarAssociation Lawyers Directory & Product Guide to determine the appropriate legal journal. The advertisement should include the following: (1) A specific description of the vehicle (i.e., year, make, model and VIN); (2) The court of competent jurisdiction where an action will be or has been filed; and (3) The time, date and place of any court proceeding. 4. When the above procedure is followed and the court of competent jurisdiction enters an order declaring an individual the rightful owner of the vehicle, the Department may issue a Certificate of Title to the person named in the court order upon receipt of the following: (1) A certified copy of the court order entered declaring the individual owner of the vehicle; (2) Form MV-1, "Application for Certificate of Title," and check or money order payable to the Commonwealth of Pennsylvania. (3) Appropriate sales tax, title and registration fees. Unless the petitioner is eligible to claim a Sales Tax Exemption, sales tax must be paid on the Fair Market Value of the vehicle as listed in a current edition of a Department-approved publication. Approved Department publications include the following N.A.D.A., The Automobile Red Book, The Black Book Official Used Car Guide, American Used Car Guide, and The Kelley Blue Book Used Car Guide. SAMPLE COURT ORDER AND NOW, this day of 20 , after reasonable notice and an opportunity for hearing having been pr terested parties, the Court hereby awards ownership of one [year], [make] gel],' bearing vehicle identification number to [name of applicant], and the right, title and interest of any other person to a is hereby extinguished. The Commonwealth of Pennsylvania, Department of n may accept this order as evidence of ownership in lieu of a Certificate of Title. Th i er shall submit the appropriate forms, taxes and fees and comply with any other proce s of the Commonwealth of Pennsylvania, Department of Transportation in order to receive the appropriate Certificate of Title for said vehicle. BY THE COURT: Judge VERIFICATION Laura M. Pirritano, hereby states that he/she is the Vice President for Bank of America, N.A., Plaintiff in this action, that he/she is authorized to make this verification, and that the statements made in the foregoing Complaint captioned Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. v. Bazil F. Doyle, Jr., et al. are true and correct to the best of his/her information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. Name: L a M. Pirritano Title: Vice President re: Doyle - 288092 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson __4,° i• Sheriff 4?1tV11r 4t l'.tltrlllp._„f, ... ?iJ ii.,!(ll:} TA P'. Jody S Smith Chief Deputy _ , _, ? ,•„ : ,, Richard W Stewart a. 7-r Lrri COUNT Solicitor C k 4 S "LYA N! A Bank of America, NA Case Number vs. Bazil F. Doyle, Jr. (et al.) 2012-634 SHERIFF'S RETURN OF SERVICE 02/13/2012 05:32 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on February, 13, 2012 at 1732 hours, she served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Judith Doyle, by making known unto herself personally, at 105 Rustic Drive, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. AMANDA COBAUGH; DEPUTI 02/14/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Theresa S. Warren, but was unable to locate her in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Theresa S. Warren. Request for service at 251 Neil Road, Shippensburg, Pennsylvania 17257 is vacant. The Shippensburg Postmaster has confirmed, Theresa S. Warren has moved and left no forwarding address. 02/14/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Bazil F. Doyle, Jr., but was unable to locate him in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Bazil F. Doyle, Jr. Request for service at 251 Neil Road, Shippensburg, Pennsylvania 17257 is vacant. The Shippensburg Postmaster has confirmed, Bazil F. Doyle, Jr. has moved and left no forwarding address. SHERIFF COST: $110.00 February 14, 2012 SO ANSWERS, &Z RON R ANDERSON, SHERIFF 210 12 F E B 22 AK IL: 17 'IUMBERLAND COUNTY PENNSYLVANIA PHELAN HALLINAN & SCHMIEG, LLP Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. 7105 Corporate Drive Plano, TX 75,024 Plaintiff vs. Bazil F. Doyle, Jr. aWa Bazil F. Doyle Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National Citv_ Bank PO Box 577 Cleveland, OH 44101 Defendants ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No. 2012-634 PRAECIPE TO REINSTATE CIVIL ACTION COMPLAINT TO OUIF-T TITLE TO THE PROTHONOTARY: Kindly reinstate the Civil Action captioned matter. Date: Title with reference to the above Attorney for Plaintiff a) S?oI QV? s 111 CL 0 I! S9/as jZli- oZ-?r s 3 y SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Bank of America, NA vs. Bazil F. Doyle, Jr. (et al.) i ! Pt7T fi(3 ` TA jjE ?$`?ntr at atn?Grr?J??b 2' 12 MAR 20 AM 10' 4 6 IjUPENS LVAN A T Case Number 2012-634 SHERIFF'S RETURN OF SERVICE 02/23/2012 06:45 PM - Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Bazil F. Doyle, Jr., but was unable to locate him in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Bazil F. Doyle, Jr. Deputies were advised Bazil F. Doyle, Jr. is deceased. 02/23/2012 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Theresa S. Warren, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint to Quiet Title according to law 03/08/2012 03:21 PM - Franklin County Return: And now March 8, 2012 at 1521 hours I, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do hereby certify and return that I served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Theresa S. Warren by making known unto herself personally, at 17738 Amberson Road, Spring Run, Pennsylvania 17262 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $78.45 March 16, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF t.c; Goun*ySuite Sheriff I eleoso?t. Ir:. i . CASE NO: 2012-00043 T SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF FRANKLIN BANK OF AMERICA NA VS THERESA S WARREN KENNETH W HALL , Deputy Sheriff of FRANKLIN County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT QUIET TITLE was served upon WARREN THERESA S the DEFENDANT at 1521:00 Hour, on the 8th day of March , 2012 at 17738 AMBERSON ROAD SPRING RUN, PA 17262 THERESA S WARREN by handing to a true and attested copy of COMPLAINT QUIET TITLE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing .00 Service .00 Affidavit .00 Surcharge .00 Sworn and Subscribed to before me this a day of A.D. So Answers: KENNETH, JW HALL B Dep Sher ? f 03/1 /2012 LAUREN R TABAS ESQ RICHARD D. McCARTY, Notary Public Chambersburg Boro., Franklin County My Commission Expires Jan. 29, 2015 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson 00'%r ai C111r'b"i"l 44 Sheriff < Jody S Smith Richard W Stewart Chief Deputy FFIE Solicitor Bank of America, NA Case Number vs. Bazil F. Doyle, Jr. (et al.) 2012-634 SERVICE COVER SHEET 0 N _ M t? S&vlce'D; - N .. Cl) o Category: Civil Action - Complaint to Quiet Title Zone: X Manner. Deputize Expires: 03/2312012 Warrant. W N Notes: N co N r Q a Serve: Tb: ?. 1 Name: Theresa S. Warren Served: Personally Adult In Charge Posted Other Z U? .. a Primary Address: 17738 Amberson Road S i R PA 17262 Adult In Char e: t1 $ °; tdQrli 7%rr S pr ng un, g , !?j . a Phone: DOB Relation: O - z 0 Alternate Address Date: 1 Time: 5Mkir : , W co Phone: Deputy: Mileage: Lly/ ?. _ Q co , ? Attorney f O vir' 'k; ? .• _ ? r- Name: Lauren R Tabas Phone: 215-563 ; 000 Service Atpt>s Date: 3 ?L F - cv Time: m N Mileage: N Deputy: Notes J Spelt r d't IrStrtr $er,E.?=L 7121'egL s. ( ,iY'c91 #4K/Q 7Aresq /:?-sd a w = Now, February 2 2012 I, Sheriff of Cumberland_ County,, Pennsylvania hereby deputize the Sheriff of Franklin County to ? execute service of the documents hefewitl?anc make return ihereof according to law. Z Return To: Q Cumberland County Sheriffs Office F[--0 2 4 2??2 3 One Courthouse Square Carlisle, PA 17013 onny R Anderson, Sheriff ti. I l {_ T ' i 2 tPI" I I A'I 10 "/* I'i,R-"EERL/ ND COU IT)" PrwlSYLVANIA PHELAN HALLINAN & SCHMIEG, LLP Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 ATTORNEY FOR PLAINTIFF 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to Court of Common Pleas BAC Home Loans Servicing, L.P. 7105 Corporate Drive Civil Division Plano, TX 75024 Plaintiff Cumberland County No. 2012-634 vs. Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 Defendants SUGGESTION OF DEATH RE: DEFENDANT BAZIL F. DOYLE, JR. A/K/A BAZIL F. I)OYLE AND RELEASE OF DEFENDANT'S LIABILITY TO THE PROTHONOTARY: Lauren R. Tabas, Esquire, attorney for the Plaintiff, hereby certifies that, to the best of her knowledge, information and belief, the Defendant Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle, is deceased and hereby releases Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle, date of' death - December 8, 2011. As the property was owned by Defendants as tenants by the entireties, upon Emil F. Doyle, Jr. a/k/a Bazil F. Doyle's death, co-defendant, Judith Doyle became sole owner of the mortgaged premises. r Date: _ AN,-I-IALLINAN & SCHMIf:G,_ [,LE' r? - Lauren R. "babas, Esquire Attorney for Plaintiff PHELAN HALLINAN & SCHMIEG, LLP Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 ATTORNEY FOR PLAIN"1'I1,'I,' 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to Court of Common Pleas BAC Home Loans Servicing, L.P. 7105 Corporate Drive Civil Division Plano, TX 75024 Plaintiff Cumberland County No. 2012-634 vs. Bazil F. Doyle, Jr. a/k/a Bazil F. Doyle Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 Defendants CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of Suggestion of Death Re: 13azil F. Doyle, Jr. a/k/a Bazil F. Doyle and Release of Defendant's Liability thereof'was sent via first class mail to the following on the date listed below: Judith Doyle 105 Rustic Drive Shippensburgh, PA 17257 Theresa S. Warren 17738 Amberson Road Spring Run, PA 17262 National City Bank 6750 Miller road Brecksville, OH 44141 Date: HYLAN HALLINAN & SCI IMII?G, LIT auren R. Tabas, Esquire Attorney for Plaintiff PHELAN HALLINAN & SCHMIEG, LLP Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 ATTORNEY FOR PLAINI'IFI` 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to Court of Common Pleas BAC Home Loans Servicing, L.P. 7105 Corporate Drive Civil Division Plano, TX 75024 Plaintiff Cumberland County No. 2012-634 VS. Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 Defendants AFFIDAVIT PURSUANT TO Pa R.C.P. 1066 I hereby certify that Plaintiff s Civil Action Complaint to Quiet Title was served upon National City Bank on February 9, 2012. Plaintiff's Civil Action Complaint to Quiet Title was served upon Judith Doyle on February 13, 2012. Plaintiffs Civil Action Complaint to Quiet Title was served upon Theresa S. Warren on March 8, 2012. True and correct copies oi'the Affidavits of service are attached hereto, made part hereof and marked as Exhibit ".A". Nn Answer to the complaint has not been filed. Date: NAN & SCI1MlI',G, LLP Attorney for Plaintiff EXHIBIT A Private Process Server RETURN OF SERVICE Plaintiff(s) NUMBER 2012-634 BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SHERUT"S NUMBER SERVICING, L.P. COST MILEAGE, Defendant(s) BAZIL F. DOYLE, JR. A/K/A BAZIL F. DOYLE JUDITH DOYLE THERESA S. WARREN NATIONAL CITY BANK DISTRICT Summons xx Complaint Other TYPE OF ACTION QUIET TITLE Serve At NATIONAL CITY BANK 1900 EAST NINTH STREET CLEVELAND, 01-144114 Special Instructions TO BE COMPLETED BY Private Process Server Served and made known toNational City Bank, Defendant, on the 9th day of February , 2012, at 2:45 o'clock, P.m., at **PNC BANK, 6750 Miller Road, Brecksville, OH 44141, in the manner described below: **NCB is now known as PNC Bank Dolixtdant(s) poreonaliy served. Adult family member with whom said Defendant(s) reside(s): RoWlip1*41P to IlttUll ht ehurga orl?irftdanl's r0donev who.t'o+Ni ed to give name or relationship. 1ManagoOdcrk-of place-of lodging in-'vhi'ch V0roiidiml(0),rasidc(s). Agent or pb-son in chttrgtrof T7cfaiil?tlt s`o0ice yr u*10 place of bushiesr,. and officer of said Defemlant contotatty. X_X_ Supervisor of Real Estate Signed an sworn to befo me on Served by RFN l1SFf2, Private Process Sarver this a y of !- Nota ublic ?•?. ?"' Now, this . day of , 20 1, She, iff ut'_ Coulity, l'<:nuryl v; iwi do hereby deputize the Slm iff of County to serve this Complaint € itIf make rcaEn'n thcrcot rind acwrdin}, to !;w'. SHERIFF fly;__, Deputy Sheriff. ATTORNEY FOR PLAINTIFF. TO BE COMPLETED BY Name ren,.Tabas, E§quire PROTHONOTARY Id. No. 233,_,,7, ATTEST Address One Penn enter Plaza Suite 1400 Pro Prothy _ DIl gI',A A 19103 Date SHERIFF'S OFFICE OF CUMBERLAND COUNTY (A 0 Ronny R Anderson Sheriff ?4??rtr nt urrGr??.n?? Jody S Smith Chief Deputy = Richard Al Stewart Solicitor Bank of America, NA Case Number vs. 2012-634 Bazil F. Doyle, Jr. (et al.) SHERIFF'S RETURN OF SERVICE 02113/2012 05:32 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on February 13, 2012 at 1732 hours, she served a true copy of the within Complaint to Quiet Title, upon the within named defendant, to wit: Judith Doyle, by making known unto herself personally, at 105 Rustic Drive, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. // AMANDA COBAUGH; bE UT 02/14/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Theresa S. Warren, but was unable to locate her in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Theresa S. Warren. Request for service at 251 Neil Road, Shippensburg, Pennsylvania 17257 is vacant. The Shippensburg Postmaster has confirmed, Theresa S. Warren has moved and left no forwarding address. 02/14/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he grade a diligent search and inquiry for the within named defendant to wit: Bazil F. Doyle, Jr., but was unable to locate him in his bailiwick. He therefore returns the within Complaint to Quiet Title as not found as to the defendant Bazil F Doyle, Jr. Request for service at 251 Neil Road, Shippensburg, Pennsylvania 17257 is vacant. The Shippensburg Postmaster has confirmed, Bazil F. Doyle, Jr. has moved and left no forwarding address. SHERIFF COST: $110.00 February 14, 2012 SO ANSWERS, RONNY R ANDERSON, SHERIFF _W_ SHERIFF'S OFFICE OF CUMBERLAND COUNTY /;- O -r- Ronny( R Anderson o?pttr of cmhbrry't"o Sheriff Jody S Smith Richard W Stewart Chief Deputy OFFICE OF THE SHERIFF Solicitor Bank of America, NA Case Number vs. Bazil F. Doyle, Jr. (et al.) 2012-634 SERVICE COVER SHEET N •. ""IMP W1. W4 N o Category: 'Civil Action - Complaint to Quiet Title Zone: X Manner. Deputize Expires: 03/23/2012 Warrant: w Notes: N <O N f` r a a Z Name: Theresa 5 Warren Served: Personally Adult In Charge Posted • Other Z 64 R Primary 17738 Amberson Road Adult In (L Address: Spring Run, PA 17262 Charge: et 7I ,.. o) o Phone: DOS: Relation: ? ? 0 -. . o: _ _. ... _ ... _. _... _.._. __ . ._._.... z 0 Alternate Date: Time: Address: l^. W W Phone: Deputy: L Mileage: L1 7 _ a . ti Name: Lauren R Tabas Phone: 215-563-7000 Date: 3 M rime: /v Sj,,?n / -- N Mileage: Deputy: '- i Ser ve.PL A??E S 5. U-L?&% A-KA` TAr-r e 5q S . r mot' s a rn W s Now, February 2 2012 I, Sheriff of Cumberland County,, Paransylvania hereby deputize the Sheriff of Franklin County to F- execute service of the documents herewitllLi:animake return thereof accordinq to law. Z Retum To: Q Cumberland County Sheriffs Office F I- D 2 4 2012 3 One Courthouse Square Z Carlisle, PA 17013 - finny R Anderson, Sheriff PHELAN HALLINAN & SCHMIEG, LLP Lauren R. Tabas, Esquire, I.D. No. 93337 One Penn Center, Suite 1400 ATTORNEY FOR PLAINTIFF 1617 John F. Kennedy Boulevard Philadelphia, PA 19103-1814 (215) 563-7000 Bank of America, N.A. Successor by Merger to Court of Common Pleas BAC Home Loans Servicing, L.P. 7105 Corporate Drive Plano, TX 75024 Plaintiff Civil Division Cumberland Count.v No. 2012-631 vs. Judith Doyle 251 Neil Road Shippensburg, PA 17257 Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 National City Bank PO Box 577 Cleveland, OH 44101 TO THE PROTHONOTARY: Defendants CERTIFICATION OF SERVICE I hereby certify that true and correct copies of the Affidavit Pursuant to Pa R.P.C. 1066 were served by regular mail on Defendants on the date listed below. Judith Doyle 105 Rustic Drive Shippensburgh, PA 17257 Theresa S. Warren 17738 Amberson Road Spring Run, PA 17262 National City Bank 6750 Miller road Brecksville, OH 44141 Date: Attorney for Plaintiff s BANK OF AMERICA, N.A. SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, L.P. Plaintiffs V JUDITH DOYLE, THERESA S. WARREN, AND NATIONAL CITY BANK Defendants IORsf* ofa qV 1:94W THE NINTH JUDICIAL DISTRICT NO:Z j)1 Z1CIVIL TERM IN RE: PLAINTIFFS' MOTION FOR EQUITABLE CONVERSION AND TRANSFER OF TITLE RULE TO SHOW CAUSE AND NOW, this 14th day of June 2012, upon consideration of Plaintiffs' Motion for Equitable Conversion and Transfer of Title a Rule is issued upon Defendants to show cause why an order requested in Plaintiffs' Motion should not be granted. Rule Returnable on 9 July 2012 at 3:00 P.M. in Courtroom Six of the Cumberland County Courthouse, Carlisle, Pennsylvania. By the Court, Thomas A. Placey Distribution List: AD - V Lauren R. Tabas Phelan Hallinan & Schmieg, LLP 1617 JFK Blvd, Suite 1400 Philadelphia, PA 19103 / Joseph P. Schalk Phelan Hallinan & Schmieg, LLP 126 Locust Street Harrisburg, PA 17101 Judith Doyle 251 Neil Road Shippensburg, PA 17257 ? Theresa S. Warren 251 Neil Road Shippensburg, PA 17257 f National City Bank P. 0. Box 577 Cleveland, OH 44101 C®F;es /sled 61115-11.2- A,/l A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA Bank of America, N.A. Successor by Merger to Court of Common Pleas BAC Horne Loans Servicing, L.P. ; Civil Division 7105 Corporate Drive Plano, TX 75024 Plaintiff No. 2012-634 VS. Judith Doyle :2 5 J. eae - 10 S VIAS?i C- D (L?04- Shippensburg, PA 17257 Theresa S. Warren 26444eii Road4 L -1-119 4mW26W T)/Uu- sl ?e - -? _ PSP/4M4 120ju, A 1-7217-2-- National City Bank PO Box 577 Cleveland, OH 44101 Defendants Q ER AND NOW, this day of , 2012, upon consideration of Plaintiff's Motion for Equi able Conversion and Transf r of Title and any response thereto, it hereby: I ORDERED and DECREED that the dwelling at 251 Neil Road, Shippensburg, PA 17257, Southampton Township, with a tax parcel I.D, number of 39-13-0102-040, be assessed henceforth as one parcel of real estate, upon which improvement is permanently affixed, and i is ,- 6 ORDERED and DECREED that said dwelling is equitably converted to real estate by way of this motion, and not subject to separation from land, and it is ORDERED and DECREED that the Cumberland County Recorder of Deeds is hereby directed to accept a certified copy of this order for recording, and ORDERED and DECREED that vehicle title of the 1997 Skyline Mobile Home bearing vehicle identification number 2G110149ABJ is awarded to Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, L.P. and the right, title and interest of any other person to said vehicle is hereby extinguished; and The Commonwealth of Pennsylvania, Department of Transportation may accept this order as evidence of ownership in lieu of a Certificate of Title. The Petitioner shall submit the appropriate forms, taxes and fees and comply with any other procedures of the Commonwealth of Pennsylvania, Department of Transportation in order to receive cancellation of vehicle title. qTH URT: J. i R?* ?d. eLACCI rmC r c )> C-) 3 = C: Cif C " a"& d-( ? '7'4 e,-e5 c, bd y le -5. barren "u re ,t 12. 7 i/v, is ,71 3'n