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HomeMy WebLinkAbout12-3407SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 - MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 ', KING OF PRUSSIA, PA 19406 --, '_ TELEPHONE: (610)278-6800 S & D FILE NO.11-039810 - JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS ` PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY vs. , ?? ?t V 1 NO: Chester J. Jumper 4 Holly Court Shippensburg, PA 17257 Daisy M. Jumper 4 Holly Court Shippensburg, PA 17257 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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 OP. OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. 0li?!9u3.7s1xl a? 3e??b? ?uR Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDAI Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICA4CION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADQ O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039810 JPMorgan Chase Bank, National Association PLAINTIFF VS. Chester J. Jumper 4 Holly Court Shippensburg, PA 17257 Daisy M. Jumper 4 Holly Court Shippensburg, PA 17257 DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, JPMorgan Chase Bank, National Association, the address of which is, 3415 Vision Drive, Columbus, Ohio 43219, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for Sovereign Bank, its successors and assigns Mortga og rW: Chester J. Jumper and Daisy M. Jumper (b) Date of Mortgage: December 1, 2008 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Document ID# 200838803 Date: December 4, 2008 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for Sovereign Bank, its successors and assigns Assignee: JPMorgan Chase Bank, National Association Date of Assignment: February 7, 2012 Recording Date: March 19, 2012 Instrument No.: 201207821 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property which is subject to the Mortgage is generally known as 4 Holly Court, Shippensburg, PA 17257 and is more specifically described as attached as part of Exhibit "Alt 4. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B". 5. The names and mailing addresses of the Defendants are: Chester J. Jumper, 4 Holly Court, Shippensburg, PA 17257 Daisy M. Jumper, 4 Holly Court, Shippensburg, PA 17257 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of March 1, 2011 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of September 27, 2011: Principal Balance Due $133,931.88 Interest Currently Due and Owing at 6.5% $5,722.19 From February 1, 2011 through September 27, 2011 Late Charges $104.10 Escrow Advances $2,054.46 Appraisal Fees $250.00 Property Inspection $42.00 Property Preservation $74.00 TO'T'AL $142,178.63 9. Interest accrues at a per diem rate of $23.85 each day after September 27, 2011, that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorneys fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit "C" in accordance with Pa.R.C.P. 1019(i). 12. Pursuant Pa.R.C.P. 1019(d), the Notice sent to the Defendant(s) contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. § 403 et seq., and separate Notice of Intention to Foreclose is not required. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. Date: SHAPIRO & DeNARDO, LLC BY: _ ?'- Attorn ys for Plaintiff S & D File No. 11-039810 c? 11 11illilli Prepared By, Melinda Smith 10l S. George Street York, PA 17401 (717) 771-9437 Return To: Sovereign Bank, MCS-10-6438-CAS 601 Penn Street Reading, PA 19601 Parcel Number. 39+-35-2385-083 Premises: 4 holly Court Shippenaburg,'PA 17257 [Space Above'rhis We For Rcearding Data] PIIRCitASF+ mmoyMORTGAGE DEFINITIONS MM Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A? "Security instrument" means this document, which is dated December 01, 2008 , together with all Riders to this document. (S) "Borrower" is cheater J. Jumper and Daiay M. Jumper tower is the mortgagor under this Security Instrument. ,%qRs" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is ng solely as a nominee for Lender and Lender's successors and assigns. MFRS Is the mortgagee ter this Security Instrument. MERS Is organized and existing under the laws of Delaware, and MERS I ANU•Single Fadg .FaimleMadFnddleMaeuIFORMINSTRUMENT WITH MERS VMPGFNM4931 KW r Fle mft Sereim Inlhh; Psga 1 eI 17 i? +has n mailing address of P,O. Box 2026, Flint, MI 48501-2026 and a street address of 3300 S. W. 34th Avenue, Suite 101.Ocala, FL 34474. The MERS telephone number Is (888) 679-MERS. (D) t'Leader" is sovereign Bank Lender Is a redural savings Bank organized and existing under the laws of The United states of Amarica Lender's address Is 1130 Berkshire Blvd., Wyomissing, ?A 19610 (E) *Wote" means the promissory note signed by Borrower and dated December 01, 2008 The ,Note states that Borrower owes Lender One Hundred Thirty Seven Thousand Two Hundred rorty Hour And Mayo/100 Dollars (U.?. S 137,244.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 01, 2039 (I) 07roperty" moans the property that is described below under the heading "Transfer of Rights in the Property." (G) "'Loan" means the debt evidenced by the Note, plus Interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest (H) ' Idders" means all Riders to this Security Instrument that are executed by Borrower. 'rho following Riders Pare to be executed by Borrower (check box as applicable): Adjustable Rate Rider 0 Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider H1-4 Family Rider VA Rider Biweekly Payment Rider ? Other(s) [specify] (1) "Applicable haw" means all controlling applicable Federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non stable judicial opinions. (,h ' omman, Association Dues, Fees, and Assessments" means all dues, fees, assessments and other cha?gps that are imposed on Borrower or the Property by a condominium association, homeowners es aladon or similar organization. (ml "Electronic Yunds Transfer" means any transfer of funds, other than a transaction originated by cheek, draft, or similar paper instrument, which is Initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, Instruct, or authorize a financial institution to debit or credit an account. Such term Includes, but is not limited to, point-of-sale transfers, automated teller ma hlne transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse OWN. acrow Items" means those items that are described In Section 3. (L) ' M tMMiacelianeous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by third party (other than insurance proceeds paid under the coverages described in Section 5) for, (1) d e to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Pra ; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the val aand/or condition arthe Property. VARk - stnpU Fooly . FamIs M ulFn adla Moo UNIFORM INSTRUMENT WITH MERS Fami1'613i7?f VMP VMPOMPAISO60a1 Walt Kluwerr4unud SlIVrau In1011V c Papn Z of 111 (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment or, or default on. the .©m. (O)'"Perlodie Payment" means the regularly scheduled amount due For (I) principal and interest under the Note, pits (ii) any amounts under Section 3 of this Security Instrument. (P) I"IMPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2501 et scq.) and its impNetnettting regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used In this Security lnstrument, 'RESPA" refers to all requirements and restrictions that are imposed in regard to a "Federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loa0l' under RESPA. (Q) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (?o the repayment of the Loan, and all renewals, extensions and ino4ifications of the Note; and (i7 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 MFRS (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 the County (Type nrRI.TwillogJ16dietiuni of Cumberland (Name "rRecording JudWictloa(: Sao Attached Legal Gexcwlption which currently has the address of 4 lolly Court s4PP6na1X=9 ("Property Address"): Istraatl (Oily], Pennsylvania 11257 (lip 0441 11L • Sla01M Famdr . Faa thr MadFIeddla Mac UNIFORM INSTRUMENT WITH MFRS Faml Spp VM re PTA}tf050151 Kluwer nnamild 8wiua Inhale: Pods at 1 TOGETHER WITH all the improvements now or hereafter erected an the property, and all casetj,", appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions "I also be covered by this Security instrument. All of the foregoing is refarred 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 alll 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 I astrlttment. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the tight to mortgage, grant and convey the Property and that the Properly is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform cove1nants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on. the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items purttuattt to Section 3. Payments due under the Note end this Security instrument shall be made in U.S. currency. However. if any check or other Instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due' under the Note and this Security instrument be made in one or more of the following forms, as selected by Lender. (a) cash; (b) money order; {c) certified check, bank check, treasurers check or any such check is drawn upon an institution whose deposits are insured by a cashier's check, per feddral agency. instrumentality, or entity., or (d) Electronic Funds Transfer: Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender In accordance with the notice provisions in Section IS. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender Is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of Its scheduled due date. then Lender need not pay Interest on unapplicd funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. if not applied earlier, such funds will be applied to the outstanding principal balance under the Note Immediately prior to foreclosure, No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the !Note and this Security instrument or performing the covenants and agreements secured by this Security I nsdrument. Single rnnaV - Fonafe MaerFrod0le Mac uMFORAA WSTROM ENT WITH MERE Fomt 3030 1101 VARA1PA1t0108) Kluwer Finenclof anion ddt"Ir Page 4 or 11 2. Application of Payments or Proceeds. Except w otherwise described in this Section 2, ail payments accepted and applied by Lander shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall, be applied to each Periodic Payment In the order in which it became due. Any remaining amounts shall) be applied first to late charges, second to any other amounts due under this Security instrument, and then', to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a suffir.iient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding. Lender may apply any payment received from' Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment Is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, Insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments, 3. Funds for Escrow Items. Borrower shall pay to Lander on the day Periodic Payments are due under the Note, until the Note is paid in Full, a sum (the "Funds") to provide far payment of amounts due for:'(s) taxes and assessments and other items which can attain priority over this Security Instrument as a liewor encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section S; and (d) Mortgage Insurance Premium. if any. or any sums payable by Borrower to Lender In lieu of the payment of Mortgage insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow items," At origination or at any time during the term of the Loan, lender may require that Community Association Dues. Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lander waives Borrowees obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lander Funds for any or all Escrow items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due'', for any Escrow Items for which payment of Funds has been waived by Lander and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Imtrumont, as the phrase "covenant and agreement" is Used in Section 9. If Borrower is obligated to pay. Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items al any time by a notice given in accordance with Section IS and. upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. • shnobl Faeir -Fond* M&OFfdddla Mae UNIFORM WSTRUMENT WITH M ERS Farm78ST'lrer VMP VMP6Ap) fa6a61 Wax is XIQWW Fiaaaul 6ankn Irolie P a a aI 17 1'n Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the', Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Lawn. The Funds shall be held in an institution whose deposits arc insured by a federal agency, instrumentality, or entity (including Lender, if Lender Is an institution whose deposits arc so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time spe? lfied under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or veritying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or ;'Applicable Law requires Interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and. Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. IF there is a surplus of Funds held in escrow, as defined under RESPA. Lander shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow. as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up'the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges, Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shatI pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bgn?ower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to ':Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by. or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded. or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. IF Lender determines that any part ofthe-Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. P N LVANU -Stalk FaaWy - Fsanle MaslFradtle Mae UNIFOIW INSTaUM rxT WITH MFR9 ?? CSC ee-7071T?lAOAT7 of s Kluwer Financial Seoisaa 4+itl+la? N' 1" th?goi}?af lT Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service wed by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Properly insured against loss by tire, hazards included within the term "extended coverage," and any other' hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. Thlsl insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, tender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time ramappings or similar changes occur which reasonably might alTect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance cov¢rage, at Lrndar`s option and Borrower's expense, Lender is under no obligation to purchase any part cular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the Insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lerida to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as ro+$agee and/or :ts an additional loss payee. Lender shall have the right to hold the policies and renewal ce ttficates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If' Borrower obtains any form of insurance coverage, not otherwise required by Lander, forjdamage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shot I name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender- Lender may matte proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds. whether or not the underlying insurance was required by Lender, shell be applied to restoration or repair of the Property, if the restoration or repair Is economically feasible and lAodar's security is not lessened. During such repair and restoration period, LCn&-r shall have the right to hold such Insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken P YLVANIA -Single Fami1/ • Paaale MaarFreddla Man UNIFORM WSMIMENT WirN MEN Farm H ! 11 vill YMFaA(PA)SOBBS) Wall Kim or nnandal Services lWalt ?iT Papa 77 al t JJ promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series _ of progress payments as the.work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out oFthe insurance proceeds and shall be the sole obligation of Borrower. IF the restoration or repair Is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim, The 30-day period will begin when the notice Is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, Insofar es such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or 10 pay amounts unpaid under the Note or this Security instrument, whether or not then due. 6. Occupancy. Borrower shall occupy. establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing. which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control- 7. Preservation, Maintenance and Protecdon of the Property; Inspections. Borrower shall not - des coy. damage or impair the Property, allow the Property to deteriorate or commit waste on the Pro arty. Whather or not Borrower Is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing In value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible. Borrower shall pro raptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shad be responsible for repairing or restoring the Property only if Lander has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent racy make reasonable entries upon and inspections of the Property. If it has rea enable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give rower notice at the time of or prior to such an Interior inspection specifying such reasonable cause. MIA • IlrGM Frndt - FannW MAWFtfddli Maa UXIFOPM atSiNUMerT WITH MEAS Klaww Fnsaddaarrkaa InAmIr 8. Borrower's Loan Application, Borrower shall be in derault if, during the Loan application process, Borrower or any parsons or entities acting at the direction of Borrower or with Borrower's knolwledge or consent gave materially false, misleading, or Inaccurate information or statements to Lender (or Wed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection or Lender's Interest In the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security instrtneent, (b) there is a legal proceeding that might significantly affect Lender's Interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, ror condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security instrument or to enforce laws or regulations), or (cl Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's Interest In the Property and rights under this Security In*ument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lander's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its Interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. it is agreed that Lender Incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice tram Lender to Borrower requesting payment. If this Security Instrument is on a leasehold. Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lander agrees to the merger in writing. ]ll. Mortgage insurance. If Lender required Mortgage insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain! the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially qua ivalent to the cost to Borrower of the Mortgage Insurance previously in effscl, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that wore due when the insurance coverage caused to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable. notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be M • 11MVIs Family • Famio M WFraddla Mu UNIFORM INSTRUM ENT WITH N ERS VMF%A(PA) (00061 1 KlowrFinandolSmbu INNNa: r, Page 9of 17777 erL required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage insurance coverage (in the amount and far the period that Lender requires) p*ded by an Insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to mai?nntain Mortgage Insurance in effitet, or to provide a non-refundable Ions reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Leader providing ibr such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Ins4rannce. Mortgage insurers evaluate their total risk an all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are ion terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage Insurer to make payments using any source of ds that the mortgage Insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (diready or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affrilatc of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further. (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not Incrasse the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (h) Any such agreements will not affect the rights Borrower has - If any - with respect to the Mortgage Insurance under the homeowners Protection Act of 1998 or any other law, These rights may Include the right to receive certain disclosures, to request and obtain cancellation or the M#rtcoze Insurance, to have the Mortgage Insurance terminated automatically, sad/or to receive a rc nd of any Mortgage insurance premiums that were unearned at the time of such cancellation or termination. ti. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. if the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened Deering such repair and restoration period, Lender shelf have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments an the work is completed. Unless an agreement Is made in writing or Applicable Law requires Interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such MINIA • sln6b Famiry . Web Meaffa h Mae UNIFORM INSTRUMENT WITH MERE yam. ?y Fa /Z t UII4p; ?i M?A[F {08061 low w Flomclal Swine Pogo 0 of I r r?? Miseellaneous Proceeds. Ifthe restoration or repair is not economically feasible or Lender's security would be isened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument. whet dr or not then due, with the excess, If any, paid to Borrower. Such Miscellaneous Proceeds shall be applt?ed in the order provided for in Section 2. IIn the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security instrument. whether or not then due, with the e$,cess, if any, paid to Borrower. in the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value Is equal to or greater than the amount of the sums secured by this Security instrument immediately before the partial takl g. destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums ed by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds mul plied by the following fraction: (a) the total amount of the sums secured immediately before the part I taking, destruction, or loss in value divided by (b) the fair market value of the Property icnmlediately before the partial taking. destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value; of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured Immediately before the partial taking, destruction, or logs in value, unless Borrower and Lendcr otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums seemed by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opp'p mg Party (as defined in the next sentence) omrs to make an award to settle a claim for damages, Borrower falls to respond to Lender within 30 days after the date the notice is given, Lender is authorized to oblleut and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sun* secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that lowes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lander's Into cat in the Property or rights under this Security Instrument. Borrower can cure such a default and, if ace eration has occurred, reinstate fai provided In Section 19, by causing the action or proceeding to be dis issed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's Interest in the Property or rights under this Security instrument. The proceeds of arty' award or claim for damages that are attributable to the impairment of Lender's Interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2- ! Borrower Not Released; Forbearance By Leader Not a Waiver. Extension of the time for pa?ntent or modification of amortization of the sutras secured by this Security Instrument granted by Lender to rrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor In Interest of Borrower or to refuse, to extend time for payment or otherwise modify amortization of the sums secured by this Security instrument by reason of any demand made by the original . 8M8M F=4 • Fanalo M nlfuddle M Be UWFOA d WURUM ENT WRR M ERE termer Financial SorYkas eat3031 sn Fan gage IM f VMPBAQ?A (080i fNlfUe: .max Page 1 of 1 Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Succ?sssors in Interest of }3orrower or in amounts less than the amount then due, shall not be a waiver of or pr utle the exercise of any right or remedy. 13. JoWt and Soveral Liability; Co-signers; Successors aad Aaslgas Bound. Borrower covenants and reel that 8orrawer's obligations and liability shall be joint and several. However, any Borrower who co-s this Security Instrument but does not execute the Note (a "co-signer"): (a) Is co-signing this Sec i!y lnsirument only to mortgage, grant end convey the co-signer's interest In the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrjument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18. any Successor in interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument, Borrower shall not be released from Borrower's abligatians and liability under this Secuflty Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section ZO) and benefit the successors and essigrrs of Lender. ld. Loaa Charges, Lender may charge Borrower fees For services performed in connection with Borno?ver's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument. including, but not limited to, attorneys' fees, property inspection and valuation fees. !n rglard to any other fens, the absence of express authority in this Security Instrument to charge a specific fee tb Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees 'that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the ch a to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limiits, will be rerunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the redaction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charges Is provided for under the Note). Borrower's acceptance of any such refund made by direjct payment to Borrower will constitute a waiver of any right oFaction Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security instrument mutt be in writing. Any notice to Borrower In connection with this Security Instrument shall be deemed to hav been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notiIX address if smt by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's ch4e of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security instrument at any one time. Any . SGWIs Fway . Fads M drnddis Mss UNIFaRM INSTRUMENT WITH M EPJ Flsuidsl asnku MMWs; `Qz T\1 notice to Lender shall be given by delivering it or by moiling it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in confection with this Security Instrument shall not be deemed to have been given to Lender until actually recalived by Lender. If any notice required by this, Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security 1 nstrument. 16. Governing Law; SeverabUlty; Rules or Construction. This Security Instrument shall be gov tined by federal law and the law of the jurisdiction in which the Property is located. All rights and obli Ittions contained in this Security Instrument are subject to any requirements and limitations of Ap lucable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it ml it be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the ',event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument (a) words or the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument, 18. Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 18, "Interest in the Pnrperty" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial Interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser, If all or any part of the Property or any Interest in the Property Is sold or transferred (or if Borrower is not a natural person and a bcneficial interest in Borrower is sold or transferred) without Lender's prior written consort, Lender may require immediate payment in full of all sums secured by this Security Instrument. However. this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less then 30 days from the date the notice Is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Rigbt to Reinstate After Acceleration. If Borrower tracts certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days berore sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrowers right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default crony other covenants or ILI -SlagleFtroYy-Town MOOMM41dltMoeUNIFORMINSTRUMENT WRNMENS Fmm369-t VMPBA(PA7178661 glow orFNancialSuvem irjkw. Pogo t] of 11 ?`V agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation ibes, and other fees incurred for the purpose of protecting Lender's Interest In the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's Interest in the Property and rights under this Security Instrument, and Borrower, s obligation to pay the sums secured by this Security Instrtltnent, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and cxp uses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) fi)ed check bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Fu r, Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby sha{I remain fully effbetive as if no acceleration had occurred. However, this right to reinstate shall not apply In the case of acceleration under Section IS, 20. Sale of Note, Cbange of Loan Servicer; Notice of Grievance. The Note or a partial interest in the', Note (together with this Security Instrument) can, be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servker") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. Thera also might be one or more changes of the Loan Servicer unrelated to it sale of the Note. If there is a change of the Loan SerOlcer, Borrower will be given written notice of the change which will state the name and address of the now Loan Servicar, the address to which payments should be made and any other information RESPA regµires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serirtced by a Loon Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servlcer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lander may commence, joh or be joined to any judicial action (as either an individual litigant or the member of a class) that arlses from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or arty duty owed by r on of, this Security Instrument, until such Borrower or Lender has notiFed the other party (with such no ice given in compliance with the requirements of Section 15) of such alleged breach and afforded the o er party hereto a reasonable period after the giving of such notice to take corrective action. If A pliable Law provides a time period which must ciapse before certain action can be taken, that time iod will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy, the notice and opportunity to take correc:tivc action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those stlances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the owing substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that retain to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response a ion, remedial action. or removal action, as defined in Environmental Law; and (d) an "Environmental C ndition" means a condition that can cause, contribute to, or otherwise trigger an Environmental MML . Sr"bre FavO • Fa Ve MedFredds Use UNMRM INSTRUMENT WITH UER9 Perm 36 PSAtPAJ10606 Khmer nnmdd Servleee Inbrelt P.0. of 1 Borrower shall not cause or permit the presence, use, disposal, st or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which due to the presence, use, or release of a dous Substance, creates a condition that adversely affects the value of the Property. The precedin two 'sentences shall not apply to the presence, use, or storage on the Property of small quantities o$ H does Substances that are enerally recognized to be appropriate to normal residential uses and to Mal tpnonce of the Property (incgluding, but not limited to, hazardous substances in consumer products). rrower shall promptly give Lender written notice of (a) any investi0on claim, demand, lawsuit or her action by any governmental or regulatory agency or private parry involving the Prop rty and any H Substance or Environmental Law of which Borrower has actual knowledge, (b) any Env rdnmerdal Condition, including but not limited to, an spilling, leaking, discharge, release or threat of rel c of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a H us Substance which adversely affects the value of the Property. If Borrower learns. or is notified by any gavernmentaf or regulatory authority, or any private party, that any removal or other remedistion of ahyHazardous Substance of wing the Property Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lan Mr for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Leader shill give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement In this Security Instrument (but not prior to accelerstion under Section 18 unless Applicable Law provides otherwise). Lender shall nodfy Borrower of, among other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by Judicial proceeding and aaiI of the Property. Leader shall further inform Borrower of the right to reinstate after acceleration no, the right to assert In the foreclosure proceeding the non-existence of a default or any other defamis, of Borrower to acceleration and foreclosure. U the default is not cured as specified, Lander at Its ;Rion may require immediate payment is full of all sums secured by this Security Instrument wit taut further demand and may foreclose this Security Instrument by judicial proceeding. Lender sh I be entitled* to collect all expenses incurred in pursuing the remedies provided In this Section 22, Inc ing, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Ap I ble Law. 3, Release- Upon payment of all sums secured by this Security instrument, this Security Instrument andl the estate conveyed shall torrnmate and become void. After such occurrence, Lender shall discharge and', satisfy this Seeuritj Instrument Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee Is paid to a third party for services rem ejred and the charging of the fix Is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or ftrt4re laws providing for stay of execution, extension of time, exemption from attachment, levy and safe, and, homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at asheriff s sale or other sale pursuantto this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be it purchase money mortgage, 27. Interest Rate After Judgement. Borrower agrees that the interest rate payable after a? udgment is eat red out the Note or in an action of mortgage foreclosure shall be the rate payable from time to time un the Note. LVANW-81nolefm.Ilr- 9nnMMoviWI SM4e11NFFORM INSTFWAIENTWRHMENS Foes-?)j`g VilelW P MKk1W W FlnNdd SWVWt% kaWe VMW*iga t5 gill ? P BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In this SecUlrity Instrument and in any Rider executed by Borrower and recorded with it. Wi ' ses: ? , (Setts Cheater J. Jumper -Borrower CL '`r 'i (Sewe) Datsy M. Jumpeper llorruwcr (Seal) (Seal) -borrower -Borrower (Seat) -borrower (Seal) -Bormwer (Seal) (Seal) -Borrower Barrowor 911A - SbOb F=4 . FennleMdFraddla Mae UNIFORM INSTRUMENT WITH MERE VMPSAIPA) {9600 Klarar Floandal Bovioaa I wilt ??h y Pme tf or 1 COMMONWEALTH OF PENNSYLVAMA, Cumberland County sa: On this, the tat day of December, 2008 , before me, the unditlgncd officer, personally appeared Chester J. Jumper and Daiay M. Jumper known to me (or satisfactorily proven) to be the person(s) whose name(s) is/am subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission Expires: COMMON' LTH OF PENA SYLVANIA i NQ :1fi AL BEAL .4-1 Dawn L b Shoo- .j. Plotmv Public CarlIXI to.. CumUt.:avtCounly My Corrnnl zl^n °B,RIt-i 1013y 17, 2DO9 'rifle or Officer Certiticat M7 idence 1, Sr t do hereby certify that the correct address of the within-named Mortgagee is 3300 S. W. 34th Avenue, Suite 101, Ocala, FL 34414, P.O. Box 2026, Flint, MI 48501-2026. Witncss my hand this 1st day of December, 2008 C agent I?r MnrlgegeO PENN VA A - 3ingl. FOmlly • Fannie MidFl.tldbl MOO UNIFORM INSTRUMENT Wn N MERE Fonn- 3dylfptlbT) W.lt Mawr FMana1O1 anvlea Idlnlc 'eA_;r VµP P.,17 o1ea7 `N IV`? Exhibit A ALL that certain lot of land, with the improvements thereon erected, situate in Southampton Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described in accordance with the Larch `Drive Land Development Plan recorded in the Office of the Cumberland County Recorder of Deeds in Plan Book 68, Page 115, as Lot 18, as follows: LOT #18: BEGINNING at a pin set at the common corner of Lots 18, 19 and the northern edge of Holly Court on the aforementioned Subdivision Plan; thence along the Northern edge of Holly Court by a curve to the left, the long chord of which is North 64 degrees 42 minutes 08 seconds West, 39.29 feet, with a radius of 175.00 feet for an arc dis nce of 3937 feet to a pin set at the corner of Lot 17 of said plan; thence along the eastern edge of Lot 17 and through a common wall, North 10 degrees 58 minutes 53 seconds East, 102.65 feet to a pin set on lands now or formerly of Mahlon N. Zimmerman; thence along the southern edge of said lands, South 79 degrees 01 minutes 07 seconds East, 75.00 feet to a pin set at the corner of Lot 19 of said plan; thence along the northwestern edge of Lot 19, South 29 degrees 10 minutes 33 seconds West, 118.28 feet to a pin set on the northern edge of Holly Court, the point and place of BEGINNING. ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Inetrutnejat Number - 200838803 Recorded On 12/4/2008 At 9:46:43 AM *Total Pages -19 * Instrument Type - MORTGAGE Invoice 14umber - 33312 User ID - RAK * Mortgagor - JUMPER, CHESTER J * Mortgagoe - MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC * Customer-MADISON * FEES STATE WRIT TAR $0.50 STATE ?CS/ACCE$S TO $10.00 ' USTIct RECORDING FEES - $39.50 RECORDER Or DEEDS PARCEL' CERTIFICATION $10.00 FzzS AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 Certification Page DO NOT DETACH This page is now part of this legal document. ROD AR0EIVOS FEE $3.00 TOTAL )SAID $76,50 I Certify this to be recorded in Cumberland County PA RECORDER 0 D EDS * . Information denoted by an asterisk may change during the veritkatton process and may not be reflected on this page. H11111111111111 MIN pea NOTE December 01, 2008 Carlisle PENNSYLVANIA [Datel [City) (Statc[ 4 Holly Court Shippensburg, PA 17257 (Property Address] 1. BORROWXR'S PROMISE TO PAY ` In return fbr a loan that I have received, I promise to pay U.S. $137,244.00 l (this amount is called "Principal"), plus interest, to'the order of the Lender. The Lender is sovereign Bank I will make all payments under this Note in the form of cash, check or money order. 1 understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged o unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 6.500 00. The interest rate require by this Section 2 is the rate I will pay both before and after any default described in Section 6(8) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on February 01, 2009 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal.' If, on January 01, 2039 , I still owe amounts under this Note, I will pay those amounts in full on that date, which Is called the "Maturity Date." I will make my monthly payments at 1130 Berkshire Blvd. , Wyomissing, PA 19610 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $ 867.48 4. BORROWER'S RIGHT TO PREPAY I have the r ght to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When [ make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make'' a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount', of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment!, unless the Note Holder agrees in writing to those changes. TAIXED PATEN OTE. Single Family . Fannie MaelFroddle Mac UNIFORM INSTRUMENT Form Kluwer Financial Services Inllfol?r7T VMPSN(0803).01 LO_' ? Paga 1 of 3 r S. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected In connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe hinder this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of Fifteen calendar days after the date it as due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice',of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the'Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that k owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at: a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note'Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless app' cable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Mote Holder at the address stated in Section 3(A) above or at a different address if i am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more that', one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. MUL FIXED RAI VM P Wolters Kluwer Flnarteial -Single Family - FannleMaelFreddie Mac UNIFORM INSTRUMENT Form 3 00 trot VMPSN (0803).01 Initi s-. AC. 4? `? Pape 2 of 3 't..r l \ \K 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts [,owe under this Note. Some of those conditions are described as follows; I, all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given In accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THEHAND(S) AND SEAL(S) OF THE UNDERSIGNED. ?- (Seal) Chester J. dumper -Borrower PAYABLE TO ',THE ORDER OF JPMORGA?N?f CE BANK, N., ITS SUYESSO'RS AND/OR/A -(Seal) -Borrower -(Seal) -Borrower - (Seal) -Borrower (Seal) Daisy M. Jumper -Borrower -(Seal) -Borrower - (Seal) -Borrowcr (Seal) -Borrower [Sign Original Only] IISTATE FIXED RATEINOTE- Single Family - Fannie ra Kluwer Financial SOrvlcea Mac UNIFORM INSTRUMENT form 0 1/0 vMP5N (0003),01 Initial.: L, Page 3 o13 REPRESENTATION OF PRINTED DOCUMENT Chase (FL6-7734) PO BOX 44090 Jacksonville, FL 32231-4090 May 6, 2011 Return Service Requested 4-746-56534-0000040-001-01-010-000-000-000 CHESTER JUMPER 4 HOLLY CT SHIPPENSBURG PA 17257-8749 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. CHASE 0 You're going through tough times-we would like to help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terms of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call us today at (800) 848-9380. We'll discuss your current situation (outlined in the enclosed letter) and the options that may be available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you. There may be options available-call us now and let's see if one will work for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Chase (800) 848,9380 (800) 582-0542 TDD / Text Telephone www.chase.com P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine if there is an option that will work for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848- 9380. FCL MTM REPRESENTATION OF PRINTED DOCUMENT Chase (FL6-7734) PO BOX 44090 Jacksonville, FL 32231-4090 May 6, 2011 CHESTER JUMPER 4 HOLLY CT SHIPPENSBURG PA 17257-8749 Acceleration Warning (Notice of Intent to Foreclose) Account: (the "Load") Property Address: 4 HOLLY CT SHIPPENSBURG, PA 17257 (the "Property") Dear CHESTER JUMPER: ACT 91 NOTICE CHASE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE the attached pages, This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. INTERNET REPRINT impaired hearing can call [7171780-1869.) REPRESENTATION OF PRINTED DOCUMENT LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIB,A. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAM O "HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERE HO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): CHESTER JUMPER DAISY JUMPER PROPERTY ADDRESS LOAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: 4 HOLLY CT SHIPPENSBURG, PA 17257 i SOVEREIGN BANK JPMorgan Chase Bank, N.A. ("Chase") HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing).', During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR-WIT - IN CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseli g Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses, and telephone numbers of designated Consumer It is only' necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth latex in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY' (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS''. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCX ACTION - Available funds for emergency mortgage assistance are very limited. They will be disburse by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT bring it into at NATURE' OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 4 HOLLY CT, SHIPPENSBURG, PA 17257 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 03/01/11 through 05/06/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $2,993.07 Late Charges: $69.40 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $14.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $3,076.47 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact us at the number provided below. HOW T CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3,076.47, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's check, mona order, or certified check and sent to: Regular Mail: Chase PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 IF YOU ]DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged Property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged Property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be rewired to pay attorney fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE. THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the mortg_ Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. F BMW POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Name of Lender: Chase Address: Phone Number: Fax Number: Contact Person: E':Mail Address: Mail Code 0114-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT' F SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMRTION OF MORTGAGE -- You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. To determine eligibility, you must contact our office to verify the assumability of your Property. • TO:'SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO!ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TOSEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Chase (800) 8481-9380 (800) 582-0542 TDD / Text Telephone www.chase.com Enclosures - Federal Trade Commission Pamphlet - HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION JP PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the, Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 848+9380 to discuss your options. The longer you delay the fewer options you may have. We are a debt collector. BR860 INTERNET REPRINT REPRESENTATION O PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Aliquippa 15001 Housing Opportunities of 'Beaver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of (Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housing Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue - Suite 1000 Pittsburgh 15219 PA Housing Finance A e c 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsburgh 15220 Three Rivers Center for I de endent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housing Partnership Of Greater Pittsburgh, Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban Lea ue of Greater Pittsburgh 412-227-4163 610 Wood Street Pittsburgh 15222 Garfield Jubilee Associat s 412-665-5200 5138 Penn Avenue Pittsbur h 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsburgh 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washington 15301 Community Action South est 724-255-9550 150 W Beau StreetSuite 304 Washin ton 15301 Southwestern PA Legal S ervices, Inc 800-846-0871 10 W Che Avenue Central Office) Washington 15301 Southwestern PA Legal S rvices inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Communi Action Agency 724.437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal S rvices Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 Northgate Square Greensburg 15601 Westmoreland Communi Action 724-834-1260 226 S Maple Avenue Greensbur 15601 Indiana County Community Action Program, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street _ Em orium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive - Suite 101 Butler 16001 Housing Authors of Bu r County 724-287-6797 114 Wood Drive Butler 16001 T Lawrence Coun Social ervices Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban League ue 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambaugh Avenue Sharon 16146 Community Action Partn hi of Mercer County 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Com uni Action Agency 724-548-3405 124 Armsdale Road - Suite 211 Kittanning 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Servic Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties OC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community Action Agency 814.459-4581 18 W 9th Street Erie_ 16501 Booker T. Washington 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence ' 814-874-0064 1107 Payne Avenue Erie 16503 Ba ront Nato Inc. 814-459-2761 312 Chestnut Street Erie_ 16507 CCCS of Western PA 888-511-2227 4402 Peach Street Erie - 16509 Blair County Community (Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard Royal/Remax Plaza Altoona 16602 CCCS of Northeastern P 814-238-3668 202 W Hamilton Avenue State College 16801 The Trehab Center of No heastem PA 570-724-5252 144 E East Avenue Wellsboro 16901 Pennsylvania Housing Fi ante Agency 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Linglestown Road Harrisburg 17110 Fair Housing Council oft the Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisburg 17110 Loveshi Inc. 717-232-2207 2320 N 5th Street Harrisburg 17110 PHFA 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Corp. 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Service , Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA' 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA' 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Ac on 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Comm lee of Lehigh Valley, Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddal Bethlehem Mir Istries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A ivon of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A ivision of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Building Com unities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing S rvices of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown- 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown- 18109 CCCS of Northeastern PA' 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 _ CCCS of Northeastern PA' 570-420-8980 411 Main Street - Suite 102 Stroudsbur 18360 CCCS of Northeastern PA' 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of No eastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Co niters of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County 570-558-2490 709 E Market Street Scranton 18509 Opportunity, inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 15 & 940 Blakeslee 18610 The Trehab Center of No heastem PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counseli 9 Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern PA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of No heastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on conomi Opportunity of Luzeme County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of No heastem PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of No heastem PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing G oup 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center', 880 832 2nd Street Pike 18954 American Credit Counsel ng Institute 429 530 W Street Road - Suite 201 Warminster 18974 Opportunity, Inc. 687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Va ley 5665 U 1230 New Rogers Road - Suite F1 Bristol 19007 American Red Cross of ester 1484 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Va ley 5335 130 E 7th Street Chester 19013 American Financial Coun sling Services 7903 871 N Easton Road Glensie 19038 CCCS of the Delaware Va ley 2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Val ley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Va ley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial I dependence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counseli ng Institute 610-971-2210 175 Strafford Avenue - Suite 1 Wayne 19087 Housing Association of elaware Valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Informati n Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia 19102 CCCS of the Delaware V. ley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Commun Advancement 215 567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for ommunity Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Servi ces, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban League of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Counseling Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Communi Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri uenos En Marcha 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of Delaware Valle 215-978-0224 1528 Walnut Street Philadel hia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Commu I Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community oiuncit, Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Co rnuni Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Va 1 800-989-2227 7340 Jackson Street Philadelphia 19136 West Oak Lane Commun Development 215-224-0880 7300-02 O ontz Avenue Philadel hia 19138 CCCS of the Delaware Va ley 215-566-5335 4400 N Reese Street Philadelphia 19140 Hispanic Association of ontractors and Enterprises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadelphia 19140 Nueva Es ranza 215-324-0746 4261 N 5th Street Philadel hia 19140 FOB CDC 215-549-8755 1201 W Olney Avenue Philadelphia 19141 Northwest Counseling Service 215-324-7500 5001 N Broad Street Philadel hia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community D velo ment Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial I dependence 215-389-2810 1806 S Broad Street - Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies 215-732-6518 800 S 15th Street Philadelphia 19146 Philadelphia Senior Cente r 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Sou heast PA 215-467-8700 2029 S 8th Street Philadel hia 19148 American Credit Counseli ng Institute 888-212-6741 229 E Chestnut Street 1 st Floor Coatesville 19320 CCCS of the Delaware Val ley 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of C star County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housl I g, inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counsel n Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Va 1 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counsel n Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Va le 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counse lin Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Va IA 800-989-2227 1777 Sent Parkway West Blue Bell 19422 American Financial Coun' Alin Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counsel n Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, Division of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Community ro rams, Inc. 10-562-2288 6 22 Willow Road Hamburg 19526 Budget Counseling Cent r _ 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housing Services of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Counseling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT PO BOX 44090 CHASE CO Jacksonville, FL 32231-4090 May 6, 2011 Return Service Requested 1-746-56534-000004 1 -001 -0 1 -010-000-000-000 DAISY JUMPER 4 HOLLY CT SHIPPEN$BURG PA 17257-8749 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. You're going through tough times-we would like to help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terns of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call',us today at (800) 848-9380. We'll discuss your current situation (outlined in the enclosed letteMr) and the options that may be available to you. But we cannot stress enough that the longjer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you. There may be options available-call us now and let's see if one will work for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Chase (800) 848-9380 (800) 582-0542 TDD / Text Telephone www.chaise.com P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine if there is an option that will work for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848- 9380. FCL MTM INTERNET REPRINT Chase (FLS-7734) PO BOX 44090 Jacksonville, FL 32231-4090 May 6, 20'11 REPRESENTATION OF PRINTED DOCUMENT DAISY JUMPER 4 HOLLY CT SHIPPENSBURG PA 17257-8749 Acceleration Warning (Notice of Intent to Foreclose) Account: (the "Loan") Property Address: 4 HOLLY CT SHIPPENSBURG, PA 17257 (the "Property") Dear DAISY JUMPER: ACT 91 NOTICE CHASE !.i TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE the attached pages. INTERNET REPRINT This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. REPRESENTATION OF PRINTED DOCUMENT LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DE9ECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTLNIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAM O "HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DEREtHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): CHESTER JUMPER DAISY JUMPER PROPERTY ADDRESS: LOAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: 4 HOLLY CT SHIPPENSBURG, PA 17257 SOVEREIGN BANK JPMorgan Chase Bank, N.A. ("Chase") HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTiTRE MORTGAGE. PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • 'IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. mmpoikAgy sTAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of forecl sure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing) During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCURfWITHIN ONSUER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days aft$r the date of this meeting. The names, addresses, and telephone numbers of designated Consumer It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY(30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." 'ERIOD.$ A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCX ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (bring it UD tO at NATU Z OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 4 HOLLY CT, SHIPPENSBURG, PA 17257 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 03/01A l through 05/06/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $2,993.07 Date Charges: $69.40 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $14.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $3,076.47 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact us at the number provided below. HOW T CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3,076.47, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's che& money order, or certified check and sent to: Regular Mail: Chase PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 IF YOU 00 NOT CURE. THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This meads that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged Property. IF THE XQRTGAGE IS FORECLOSED UPON - The mortgaged Property will be sold by the Sheriff to pay of the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you 'will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you sere the default within the THIRTY (30)-DAY period, you will not be required to pay attorney fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default Within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) months from the data, of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. INTERNET REPRINT mortgags Curing your aetauu in the manner set tortn in tnIN i'Mut,ce will rC&Lurc yvaI 11101 tgagv L., the same position as if you had never defaulted. REPRESENTATION OF PRINTED DOCUMENT Name of Lender: Chase Address: Phone Number: Fax Number: Contact Person: EMail Address: Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff s Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriff s sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMP!TTON OF MORTGAGE -- You may be eligible to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. To determine eligibility, you must contact our office to verify the assumability of your Property. • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO !CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Chase (800) 848.9380 (800) 582,0542 TDD / Text Telephone www.chase.com Enclosures - Federal Trade Commission Pamphlet - HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the'',Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be, reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 8484380 to discuss your options. The longer you delay the fewer options you may have. We are a debt collector. BR860 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Aliquippa 15001 Housing Opportunities of aver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housing Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue - Suite 1000 Pittsburgh _ 15219 PA Housing Finance Agency 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsbur h 15220 Three Rivers Center for In endent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housin Partnership of Greater Pittsburgh. Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban League of Greater Pittsburgh 412-227-4163 610 Wood Street Pittsburgh 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsburgh 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsburgh 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washin ton 15301 Community Action South est 724-255-9550 150 W Beau StreetSuite 304 Washington 15301 Southwestern PA Legal S rvices Inc 800-846-0871 10 W Cherry Avenue Central Office Washin ton _ 15301 Southwestern PA Legal S rvices Inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Communi Action A enc 724-437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal Services Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 North ate Square Greensbur 15601 Westmoreland Communi Action 724-834-1260 226 S Maple Avenue Greensburg__ 15601 Indiana County Commun' Action Pro ram Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street Emporium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive -Suite 101 Butler- 16001 Housing Authority of Butl r County 724-287-6797 114 Wood Drive Butler 16001 Lawrence County Social Services, Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle _ 16103 Shenan o Valle Urban League 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 ! 734 Stambaugh Avenue Sharon _ 16146 Community Action Partn hi of Mercer County 724-342-6222 75 S Dock Street Sharon_ 16146 Armstrong County Community Action Agency 724-548-3405 ! 124 Armsdale Road - Suite 211 _ Kittanning_ _ 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Service Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties tOC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community /ration Agency 814-459-4581 18 W 9th Street Erie - 16501 Booker T. Washington 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence 814-874-0064 1107 Payne Avenue Erie 16503 Bay front Nato Inc. 814-459-2761 312 Chestnut Street Erie 16507 _ CCCS of Western PA 888-511-2227 4402 Peach Street Erie 16509 Blair County Community Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard Royal/Remax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State College 16801 _ The Trehab Center of No eastern PA 570-724-5252 144 E East Avenue Wellsboro 16901 Penns Ivania Housin F ance Agency 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisbur 17110 Fair Housin Council of t Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisbur 17110 Loveshi Inc. 717-232-2207 2320 N 5th Street Harrisbur 17110 PHFA 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Co 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA' 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA' 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Act on 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Comm a of Lehigh Valle , Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall- 18052 Alliance for Building Com unities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing S rvices of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown 18109 CCCS of Northeastern PA' 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-8980 411 Main Street - Suite 102 Stroudsburg 18360 CCCS of Northeastern PA' 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of Northeastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Centers of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County Opportunity, Inc. 570-558-2490 570-236-7642 709 E Market Street Aharts Plaza/Key Real Estate Route 15 & 940 Scranton Blakeslee 18509 18610 The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counsel ng Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern RA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of Northeastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA , 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on conomi pportunity of Luzeme County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of No heastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Nor theastern PA 57D-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing G qup 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, AI, Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center, 215-396-1880 832 2nd Street - Pike 18954 American Credit Counseli ng Institute 215-444-9429 W Street Road -Suite 201 530 Warminster 18974 Opportunity, Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Va lley 215 563 5665 1230 New Rogers Road -Suite Fi Bristol 19007 American Red Cross of C ester 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Va ley 215-566-5335 130 E 7th Street Chester 19013 American Financial Coun Wing Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Va ley 800-989-2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Va ley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware V ley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance', 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial I dependence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counsel ing Institute 610.971-2210 175 Strafford Avenue -Suite 1 Wayne 19087 Housing Association of elaware valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Informati on Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia _ 19102 CCCS of the Delaware V lley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Commun ty Advancement 215-567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Servi ces, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Val 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban Lea ue of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Coun lin Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt. Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Community Devel ment Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri enos En Marche 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of D laware Valle 215-978-0224 1528 Walnut Street Philadelphia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Commun?ty Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community Council, Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Vale 800-989-2227 7340 Jackson Street Philadelphia 19136 West Oak Lane Commun' Development 215-224-0880 7300-02 O ontz Avenue Philadelphia 19138 CCCS of the Delaware Vale 215-566-5335 4400 N Reese Street Philadelphia _ 19140 Hispanic Association of Contractors and Enterprises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadelphia 19140 Nueva Es erenza 215-324-0746 4261 N 5th Street Philadel hia 19140 FOB CDC 215-549-8755 1201 W Olney Avenue Philadelphia 19141 Northwest Counseling Serlvice 215-324-7500 5001 N Broad Street Philadelphia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community D elo ment Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial 1 dependence 215-389-2810 1806 S Broad Street - Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies 215-732-6518 800 S 15th Street Philadel hia 19146 Philadelphia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southsast PA 215-467-8700 2029 S 8th Street Philadel hia 19148 American Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville 19320 CCCS of the Delaware Va 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of C ester County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housi Inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counseli Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Va 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counseli Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Va 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counseling Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Coun slin Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Va 1 800-989-2227 1777 Sentry Parkway West Blue Bell 19422 American Financial Coun elin Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counsel Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, A DUvlsion of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Commun ro rams, Inc. 610-562-2288 22 Willow Road Hambur 19526 Budget Counselln Cent 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housin S rivices of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Coun sling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT VERIFICATION 1 tc hereby states that he/she is ?}? cx of JPMorgan Chase Bank, N.A,, in this matter and is authorized to make this Verification, The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief, The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. DATE:OIk - I S --I R. S&D BILE NO: 11-039810 Chester J. Jumper and Daisy M. Jumper C- e' Vice President Title: Company: JPMorgan Chase Bank, N.A. IN THE COURT OF COMMON PLEAS OF IP(M c6ow &? t CUMBERLAND COUNTY, ` +sS4)&4G,hC" PENNSYLVANIA Plaintiff(s) VS. , una 'bu? (',h?skX <T um ? Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSUI(` ' DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose youir'l me If you own and live in the residential property which is the subject of this foreclosure action, you may be (able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension 2510 or (800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare;and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliationconference is scheduled, you will have an opportunity to meet with a representative of your lender in an ;attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for fa conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for "Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: 44-11 API-_ Date [Signature of Counsel for Plaintiff] Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # --+ BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the Borrower name(s): information to the best of Property Address: City: Is the property for sale? Realtor Name: Borrower Occupied? Mailing; Address (if different): State: Zip: Yes ? No ? Listing Date: Prices Realtor Phone: Yes[] No ? City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? Mailing Address: City: Phone Numbers: Email: # of people in household First Mortgage Lender:_ Type of Loan: Loan Number: Second Mortgage Lender: Type of Loan: Loan Number: How Long? Zip: Date You Closed Your Loan: Total Mortgage Payments Amount:$ Included Taxes & Insurance: Date of Last Payment: Prim.ga Reason for Default: State:_ Home: Office: Cell: Other: Is the Loan in Bankruptcy? Yes ? No ? If yes, provide names, location of court, case number & attorney Assets Home: Other Real Estate: Retirement Funds: Investments: Checking: Savings: Other: Automobile o e . Amount Owed: Value: Other transportation (automobiles boats motorcycles): Model: Year: Amount Owed: Value: Year: Amount Owed: Value: #2 M A 1 Year: Amount Owed Value Automobile #1. Model: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): I • monthly amount: 2• monthly amount: Borrower Pay Days: Monthl Expenses . Plea EXPENSE se on me u e e AMOUNT EXPENSE AMOUNT Morta Food 2" Mort a e Utilities Car Pa ment(s) Condo/Nei h. Fees Auto Insurance Med. (not covered) Auto fuel/re airs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Co-Borrower Pay Days: 1' 1 d x enses VA" -P currently na in Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ? No D If yes, please provide the following information: Counseling Agency: (`nnneminr- Phone'(Office): Fax: 2 ' v Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ? No ? If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ? No ? If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Servicing Company (Name): _ Contact: Phone: I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m financial situation for possible mortgage options. I/We understand that I/We am/are under no obligation to use the services provided by the above named Borrower Signature Phone: Date Co-Borrower Signature Date Please',: forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff?ti?tt 4ttn? r z 11JIP -7 AM 9:6. Jody S Smith Chief Deputy - ? 1 Richard W Stewart P Solicitor JP Morgan Chase Bank, NA Case Number vs. 2012-3407 Chester J. Jumper (et al.) SHERIFF'S RETURN OF SERVICE 05/31/2012 08:08 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on May 31, 2012 at 2008 hours, she served a true copy of the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program, upon the within named defendant, to wit: Chester J. Jumper, by making known unto Daisy Jumper, Wife of Defendant at 204 Senior 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. MICHELLE GUTS ALL, DEPUTY 05/31/2012 08:08 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on May 31, 2012 at 2008 hours, she served a true copy of the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program, upon the within named defendant, to wit: Daisy M. Jumper, by making known unto herself personally, at 204 Senior 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. L M1 MIC ELLE GUTSHALL, DEPUTY 06/01/2012 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: Occupant of 4 Holly Court, Shippensburg, Pennsylvania 17257, but was unable to locate them in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not found as to the defendant Occupant. Request for service at 4 Holly Court, Shippensburg, Pennsylvania 17257 is vacant. 06/01/2012 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: Daisy M. Jumper, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not found as to the defendant Daisy M. Jumper. Request for service at 4 Holly Court, Shippensburg, Pennsylvania 17257 is vacant. 06/01/2012 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: Chester J. Jumper, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not found as to the defendant Chester J. Jumper. Request for service at 4 Holly Court, Shippensburg, Pennsylvania 17257 is vacant. SHERIFF COST: $147.00 June 04, 2012 SO ANSWERS, WON R ANDERSON, SHERIFF (c) CauntySuite Sheriff, Teleasoft, Inc. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY LD. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039810 JPMorgan Chase Bank, National Association PLAINTIFF VS. ' Chester J. Jumper and Daisy M. Jumper DEFENDANTS t ,~3` ['~~TtiQNtITA 2011 ~!!G ! 6 PM 1 ~ ~ 4 ~ElMR1.A1'~D CQ~tNTY ~~~N~YLYAI~A COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2012-03407 PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND END without prejudice. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff