Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
12-5530
_ _ _ _ _ _ _ _ _ _ _ _ r _ _ _ _ _ ~ ~ ~_~~°~~~~l:t Nedric L. Nissly, Esquire ~ ~'r~Q~N~NDTA PA Attorney I.D. No. 44233 100 Pine street - P.O. Box 1166 2Q ~ ~ $~p - b PM I ; d 7 Harrisburg, PA 17108-1166 Fax: (717) 260-1731 ~'t~t~f~ERlA~tD CQ#,lt+lT`r` Phone: (717) 232-8000 F~NNSYLVANfiA nnissly@mwn.com Attorneys for Integrity Bank I INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v. CASE NO. ~a- Ss ~ ~ U C ROBERT S. CAUDILL and WENDY S. MARTZ, Defendants :MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED 1N 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 f~il to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF XOU DO NOT HATE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICFI CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL! SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or (800) 990-9108 ~"J Q,~~ ~ Iv3a 7S>~ a ~ 1 s 3~ _ _ _ _ AVISO USTED I-IA SIDO DEMANDADO/A EN CORTE. Si usted desea defenderse de las demandas qua se presentan mas adelante en las siguientes paginas, debe tomar accibn dentro de los prbximos veirte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falla d tomar accion como se describe anteriormente, el caso puede proceder sin usted y un falio por cualquier sums de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes Para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI' USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QL~E ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZC~IN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CUALIFICAN.',, CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or (800) 990-9108 _ _ _ Nedric L. Nissly, Esquire PA Attorney I.D. No. 44233 100 Pine Street - P.O. Box 1166 Harrisburg, PA 17108-1166 Fax: (717) 260-1731 Phone: (717) 232-8000 nnissly~a~mwn.com Attorneys for Integrity Bank INTEGRITY BANK, : IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v. :CASE NO. ROBERT S. CAUDILL and WENDY S. MARTZ, Defendants :MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Integrity Bank, by and through its undersigned counsel, hereby files this Complai~t in Mortgage Foreclosure pursuant to Pa.R.C.P. No. 1141, et seq., and in support thereof avers the following: 1. Plaintiff, Integrity Bank, is a Pennsylvania banking institution with its principal place of business at 3314 Market Street, Camp Hill, Pennsylvania 17011. 2. Defendants, Robert S. Caudill and Wendy S. Martz, are adult individuals who were last known residing at 423 West Main Street, Mechanicsburg, Pennsylvania 17055. 3. This Court has jurisdiction over this matter this matter pursuant to 42 Pa.C.S.A. § 931(a). 4. This Court is the proper venue for this matter pursuant to 42 Pa.C.S.A. § 931(c) anti Pa.R.C.P. No. 11142 because the real property in question is located in Cumberland County, Pennsylvania. 5. On Apri120, 2011, Plaintiffmade a loan to the Defendants in the principal amount~of $219,900.00 (the "Loan"), and the Defendants executed and delivered to Plaintiff a Promissory Ndte in favor of the Bank dated Apri120, 2011 in the amount of $219,900.00 (the "Note"). Attached hereto as Exhibit A and incorporated herein by reference is a true and correct copy of the Note. 6. On April 20, 2011, to secure the payments due under the Note, Defendants executed and delivered to Plaintiff a mortgage (the "Mortgage") against certain real property located at 423 West Main Street, Mechanicsburg, Cumberland County, Pennsylvania (Parcel ID# 20-23-0567-027!) (the "Property"), which was recorded in the Cumberland County Recorder of Deeds Office on May, 9, 2011 in Instrument No. 201113360. Attached hereto as Exhibit B and incorporated herein by reference is a true and correct copy of the Mortgage. 7. The Defendants have defaulted on the Note and Mortgage by failing to make payments under the Note for a period in excess of four (4) months. 8. On August 1, 2012, Plaintiff sent Defendants a notice under Act 6 of 1974 (the "Act 6', Notice") advising them of the default and requesting immediate payment of the delinquent amount. Attached hereto as Exhibit C and incorporated herein by reference is a true and correct copy of the Act 6 Notice. 9. The amounts due under the Note have been accelerated as a result of the payment defaults by the Defendants and as of September 4, 2012, the amounts due and owing thereunder ar$ itemized as follows: Principal: $216,930.25 Interest $ 4,426.29 Satisfaction Fees $ 70.50 Late Fees $ 248.44 TOTAL: $221,675.48* *along with additional interest accruing after September 4, 2012 at the per diem rage of $32.30, costs and additional reasonable attorneys' fees for collection as allowed by law, until all sums are paid in full (the "Indebtedness"). 10. Judgment has not been entered on the Note or Mortgage in any jurisdiction. 11. The Note and Mortgage have not been assigned and are still held by Plaintiff. 12. Pursuant to Pa.R.C.P. No. 1019(h), this action is based upon a breach of the written Mortgage. i . 13. The Defendants are adult individuals over the age of eighteen (18) and are not subject to the protection of the provisions of the Servicemembers Civil Relief Act, f/k/a the Soldier's and Sailor's Civil Relief Act of 1940, 50 U.S.C. App. 501, et seq., as amended. 14. Plaintiff demands judgment against Defendants in mortgage foreclosure for the Indebtedness so Plaintiff may sell the Property in an attempt to satisfy the Indebtedness. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure against Defendants, Robert S. Caudill and Wendy S. Martz, in the sum of $221,675.48 as of September 4, 2012, along with interest accruing after September 4, 2012 at the per diem rate of $32.30, costs and additional reasonable attorneys' fees as allowed by law for costs of collection until the Indebtedness is paid irk full. McNEES WALLACE & NURICK LLC Date: September 5, 2012 By: Nedric issly, squire PA Attorney I.D. No. 44233 100 Pine Street - P.O. Box 1166 Harrisburg, PA 17108-1166 Direct Fax: (717) 260-1731 Phone: (717) 232-8000 nnissly@mwn.com Attorneys for Integrity Bank - T _ _ _ _ _ _ _ _ _ ~ r _ , f VERIFICATION I, T. Wayne Sbefanovich, Senior Vice President of Integrity Bank, verify that I am authorized to make this verification an behalf of Integrity Bank, and that the facts contained in the foregoing Complaint in Mortgage Foreclosure are true and comet to the nest of my knowledge, information and belief and that the same are made subject to the penalties of 18 Pa C.S.A. ~ 4904 relating to unsworn falsification to authorities. T. Wayne Stefano 'ch, Senior Vice President Nedric L. Nissly, Esquire PA Attorney I.D. No. 44233 100 Pine Street - P.O. Box 1166 Harrisburg, PA 17108-1166 Fax: (717) 260-1731 Phone: (717) 232-8000 nnissly@mwn.com Attorneys for Integrity Bank INTEGRITY BANK, : IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v. :CASE NO. ROBERT S. CAUDILL and WENDY S. MARTZ, Defendants :MORTGAGE FORECLOSURE AFFIDAVIT OF NON-MILITARY SERVICE AND LAST-KNOWN ADDRESSES OF ROBERT S. CAUDILL AND WENDY S. MARTZ COMMONWEALTH OF PENNSYLVANIA . SS. COUNTY OF DAUPHIN The undersigned, being duly sworn according to law, deposes and says that to the best of rry information and belief ROBERT S. CAUDILL and WENDY S. MARTZ are not in the Military or' Naval Service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act, f/k/a the Soldier's and Sailor's Civil Relief Act of 1940, 50 U.S.Q. App. 501, et seq. ROBERT S. CAUDILL and WENDY S. MARTZ are over eighteen (18) years o age and were last known residing at 423 West Main Street, Mechanicsburg, Pennsylvania 17055. ric L. Nissly, Esq ire SWORN and subscribed to before me this y of to er, 2012 l~ QF ~'N?3!'~YLV ary Public ~ , ~16r hi, ~ M< w,,~r+ic My Commission Expires Cll~cr!t ~au+~t~nry (SEAL) 6amm~saor~ " Avg 2014 r r ~ ~ ~ ~ ~ a ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ _ -'g _ a ~ _ o ~ . ~ w » ~ w • - ~ $ ~ - ~ ~ ~ ~ ~ ~ ~ ~ r $ $ c ~ ~ ~ ~ ~ ~ ~ ~ ~ ~a ~ ~ ~ o ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ B y! 3 ~ ~g ~ ~ B ~ ~ ~ $ ~ Z ~ ~ ~ ~ ~ ~ ~ ~ N~~ w AI M oc ~ s ~ ~ ~ - ~ a ~ ~ ~ ~ ~ ~ ~ ~ ~ 8 _ ~ :z~ C _ ~ s r V ~ ~ M ~ if $ ~ ~ J e ~ O ~ r~r~ ~ .fir N 9 ~ ~ ~ _ a ~ a ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ w ~ $ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ d ~ ~ ~ ~ ~ m - - PROMISSORY NOTE (CfxrtlnUlsd) Pape 2 This bsakrdes, s4~6Ked to gray Nrrdts under appNwDle hw, Lenders roaearabNr attorrrsya' feat and Lender's NDN , whasthar ~ not bhMe or bl)aPP~• notlf prohbibd' ~ ~ppNcabis bw, i ~ wl~pey a addlaon do a pi aided ny law. ~ .JWlY rltAlylR. Leader end I hereYy wetw the riots to essry Jury trlN b any aemorr, P~dM+Y. ~ courrbreNin tarouoht y eRher or nre aasirret fM eflrer. OOMlNNi1f1 LANE. TAN Nab w~ M Soyemed by federal law appNoabb b LenMr sass b the eaissrrt net preeaseNad ~ ttsasAsrN bw. I Ir~we of ttr. c.~.aaa.Ilh or IhrtnatAttirira wNlaut regarsd b tb ~orsANab a law prevlabns, n,l. Not tae be.n by Lett rr In ehe coaara+aaM..IMi otPaaarreywwafe, CHOICE ttF YINUE If there is . iavsrsutt, I agree upon Lenders resaueat to sutunit to the jaxladldlon of the oourb of Cumberland Cpunty, CornmorwreeMh of PsnnayhnmMs. DINI©UORSD fl'rA FEE i wNl pay s fee to Lender of 529.00 if I make a payment on my loan and ttae check or preauUiorized charye wkth which 1 pay k labr dielroeored. R10Hi OF tl~!'F. To the extant psmllbd by applbaeb law. Lender reserves a right of estsNf In sY my acaourats wkh Lender (wFietlrer dredds~p, ~or come other aooouMJ. Thb lnakades ail aooounlr I hold Jobrfly wltlr aarnsorae ebe and aM asxxKaats I may open !n lure. Howaeer, thN d rwt Include any NiA ar Keo~a ae~oouarts. or any truce aooounts far setoff weLald 1» proFfl6Ned by Irw. I Lender, b the erslent pertrallted by b raw, b charge or setoff aA same owing on the brdebbdnsa apabret gray and aM each Wise. MffdrerNoaburp, PAA 17~OQ~6. Utre f~bb ~ sscurod by s whd nwreDaps Mar? an reel estab Iocabd at 423 W. Matra ~trset, Cum Co., SlICfS~OR N~fi~Eil'E The tame of this Nob ahtdl be triradkap upon me, and upon my hNrs, personal repressnbatlvp, suooe~ore and aeetgra, and chat Inure b the baraflt of Leradsr ara0 its suoceesore and seeigras. fil~ItW. PfIQY~IDMN. If arty part of this Nob unnd He enforced, this fast will rwt allied the rest of the Note. Lender may delay or Kongo t~toti, bgtl+aerderrt N~awd bYwaiw prssanbrrant, dsnand ~ payanent,land nsytiyos of di~atonor. lJpon ara'r afrorlos in the tt~s Nob, and ursisae atlrwwbe Y abbd b wrRirrg, no peaty who srioaas thN Nob. whether as molar. g<arrar>tor, a6oonwrrodAon or endorser. etraN ba tMtrasad ftgrm MbiNey. AN each Parties agree tl>tst Leradw msy rwsew or extend (rgreilA~Ay and !ar try Nngth of this ban or taleaee any III ar gusrarNor ar ooussderol; ~ knpair, fao b roaNse upon a' perfect Lrnrbrs sesxatly IrNaraed M itn os~pstenl. AN such parifee aNo tons tlreat iarrdet aRrsy rrrodly thte ban wllhout the ooraerrt of ar nr~tioe to arrysirre other then the petty with whom the n P~ ~>o bet under fhb Nds aro )obit and eewrol. This means that the words "I", "ms', and "my" mean each and Ir the PRIifR TO THr NIIR8,1. AND lAGH OF US, READ AND UNDERti7~00D ALL THE FttOYIS10Na OF THIS NOTE, I. AND EAC Of= US, Attt~Js TO Tt! T~ QF 111! MOTE I ACIthIOtMlDrE Rlt~'1' OF A fXtN~LEfED COPY OF THIS PROMISSORY NOTE TNI6 Ntrl~ • t~RiMf t1ElIL AND IT IS SiTENDED THAT TH16 NOTE is AND SHAM CONSTRt/1'E AND HAVE TFIE EFFEf#1" OP A SEAL®1lltfiT SwNlQ TO LAW. BO~WS~ r X ~ ' , ~ ~f X S[Drred, adoroMAedged and delhnred M tM pnseaoe oC X Wlbrese X WIlrrese LNiffl9t: StiTEtliRtTtf X terse r Mt?1MDlr~~ W. R.Mb.OM GP• Ib"I11 M.YIi R"MU, ass M~?, MH. M IyR•Rr~uR. . M RRRIOMIG~AIA~YIC i"MiR MM f 2 WHEN RECORDED MAIL TO: ,845 Martart tltrsst Camp Ntll, PA 17011 FOR R roe nue v MORTGAC1rE THIS IS A PURCHASE MONEY MORTGAGE Amount Secured Heroby: $219,900.00 THIS MORTtiAGE fisted April 20, 2011. b made and executed between Rotbert S Caudill, j whose address is 423 West Main Strrst, IllledtaAit~btbrp, PA 170lIS~242 and Wendy S Martz. whose address is 428 Wast Main 8treot, Mlechsnksbury, PA 170Ei-3242 (r~ahr~rvd to bektrw as "t3rantor"} and integrity Bank, whose address is 334if Market Strut, Camp Hpl, PA 17011 (rofismed to bebw as "Lender"}. QIRANT OF MORTQAOE. For valuable oonsidaratlon, t3rarftor grants, bargains, sells, convsya, transfers. i releases, oorMrrra and rnottgages Uo Lander aq of GraMa's right, ttle, and interest in and to the fdk~wirtg described real property, 6opa0nr with all sxiatlng or strbsegwMly erected or alfbred btu, lmprovenrenbs Imd tbcfsrrse; all stnsets, kmes, alleys, pasatges, and ways: all eaeerrrsnb, rights of way, aN Nbertias, privtiitges, benamerrts. Mrsdltarrwnfs, and appiatsnanoss tl~ereunto bNonging or anywise made sppwtanent heroalber, and ttwe rwsrabns and remak+ders with negate thereto; all water, water right, ~ and dltoh rl0hts (ifdudinp aback b uttiitles wNh dEoh or krtpatlon rights): and all otl~er rights, royaHles, and prolks to the real but Wr+ibNfor+ ail rr~insrals, oN, I and simuar mstbers, (lira °RHI PtopN'ty"} ~M In Cbmt rind Couftty, C~Int~o# Plltrt~yivania: Ses like ax~bit or other desaipq~ document writ k attaedted to thk Mortgage and made apart of Dris (Mortgage as If fu0y set tlorth heroin. The Roll Property/ or its address Is commonly known as 429 West Mall Street, Mechst~Ma~burp, PA 170;-3242. Grantor praserrtly assigns to Lsrrder all of Grentor's right, title, and interest in and to aA present and tutors leases of the in ihs Personal Property and R~ , In addition, Grantor grant to Lender a UniMrm CorrNnsrd~ Code sactxity ' THlti MORTtiAOE, NiCLUDDIG THE AtSBKSNMENT OF RENTB AND T1SE '1'Y IN7ERE8T iN THE IMeSITB AND PER80N11t. PROP®CtY, Is 61V94 TO ,SECURE {A) PAYMEENT OF THE IND~1't1o11Etl8 AND {B) PEMIrQSIMANCE OF ANY AND ALL OSSLgATi0N8 tASDER THE NOTE IN THE OfE6WAL PRHSCMrAL AMOtJIwIT OF ~2'SltMeeO, THE i RELAT#D DOCUMLM'8, AND TH18 MORTiSAtNa. THS'3 MORTaJItiE M CSIV~1 AND ACCEPTED ON THE hDLLOWMrO TERSI~: PtNtCFIAtSE MONEY MORTGAGE. If any of the debt secrxsd by Ws Morlgags is but to Grantor to aoqulro title to the Real Property, this Mor~ege shall be a purchase money mortgage under 42 P.S. Ssctlon 8141. PAYMENT AND PERFOWAASICE. F~cept es otllerMAse provkbd In tltis Morlgsge, Grerdor shill pay to Lender all amotarts secured by tMs Mortgage as they become due and shall strictly perform al of Grar>fiors obiigetbns under this P08tS1~1 AND MANTFENANCE OF THE PROPERTY. Grentor agrees that Grentors possessbn end use of the j Property shall ba governed by the fiollowing provisions: Popessbn end Use. Until the ocwmsnce of an Event of DefauR, Grantor may {1) remain' in possession and control of the Property; (2) ass, operate or manage the Property; and (3) oolbd the Rents from the Property. ~ _ g~ ~ $ ~ ~ ~ S ~ g- ~ 2 ~ ~ ~ ~ ~ . ~ $ $ _ ~ ~ ~ a ~ ~ ~ ~ q~q~ Q w ~ ~ ~ ~ ~ ~ ~ ~ o g ~Q ~ ~ $ ~ 8 g ~s ~ ~ ~ g ~ o ~ ~ ~ . $ i - ~ ~ ~ ~ a - i ~ ~ ~ ~ a ~ G1 m~ ~ ~ ~ d as ~ 'O o~ag~?~w ~ ~ ~a~'0'~ ~g g~ ~ g m ~ 1 w ~ e? m M ~ ~ v ~ m r ! g g ~ ~ 3 ~ m ja ~ o, ~ v a ~ ~ g ~ g ~ ~g ~ ~ - ~ ~ ~ x ~3Y ~ ~S m ~ v gi+ ~ ~ ~ ~S . ,n• ~ s O m ~s c ~i m pg P~ ~ m $ ~ ~ a ~ r ~ m ~ ? ~ 171 ? ~ ~ ~ ~ s_ ~ s o ~ a ~ ~ 3 m ~ ~ ~ ~ ~ ~ : ~ ~ g ~ r Z 4l a g~ m ~ S - - $ . S~ ~ c ~ ag g ~ ~o g ma $ 3 _ ~ g 1~ _~e~~S' ~ri~~ ~aom m~~~~~ - S m~~s opt ~i .S ~'t m ~i . R~ ~ aa~g. ~ ~ ~g_ e~ w W _ r _ _ _ r MORTGAGE (Cclntinurd) ~ 4 apply only a that portlon of the prooseds not payable a the holder of the Exttlng Indebadness. L.Eb10lR'a It any action a proossdlrp t oonanenosd that would nrabrgrNy affect Lenders Interest I tta Property a N GnartlOr faiFs a Damply with soy pravtslon of this f~borigage a any Retdsd Docum•rfts, indudfrrg b oat Nrrilsd b Graneor's taitun a comply wtlfi any obNpatlon a mainahr Indsbadnss~e in goad standing rsgrrirred tretw, a bo discharge a pay wharf dw arry aurrourrt <irarrbor M nrquirad to dschargs a pay under th' t~Aorlgiaga or any Dotxrrrsna, Ltmdsr ~ Grantors behetf may (but alrM rrat be obpgsted b) take any adlon aa~~ but not IrrnNsd a diwClarpYip ~ paying sN taxes, Neva, aecuAty Interests any trots levied a placed an the Properly and payirp aN txrsbs tar N~surhy makrakmrp and proservkp the Property. /1N such expsrrdptree inwned a Pall by Lendsribr weft purposes will th !rear tnteraat a! tl?e rt+te t~nrged under the Nobs from Itre data k+curred ar patd by Lander a the daa of npaynrsrrt b Grantor. AN such e~ranses wIN bsoonre • part of tlue IndeMedness arxl, at Lenders optlan, wdN {A) be payrible o demand; (B) bs added bo tM bathos of the Nobs end bs apporlbrred among and be payable w~ any InsRaNrrro paymarrt a became dtrs dur~ ew,ar {t) the arm of any appNwbis irmrrarrge pt>woy; or (z) the rsrrrakrlrrg Cann o the Note; or (C) lie baaad as a baNoon payment which wiN bs due and payable ~ the Hlo/e'a nra~rlly. The also wiN secure payment of fheae amount. Such right shall bs in addtlbn a aN other rights ant} rarredlas a Lender may be entlNsd upon Default. Grantors obNgallon a Lender for aN such expenses studl survive the entry of en ; rrrorpage lbreoloawe JtMgment. WARRANTY; DlltNSltiE i7lF TITLE. The following proMsbns rshtlrrg to ownership of the Property are a part of thlsj Mortgage: Tige. Grantor warrratrtts that: (a) Grantor holds good and rnarkeaWe title of record a tM Property in fee simple,' tree end okar of aN Neva and encumbrantxs oUrer than those set Lath let ttre Resl Property draaipfton or in the ExtNnp irrdebbsdnys ssctbrt below a In any title ktitararrve poNcy, title report, or frgrl title tlpinbn ipuad in fevarl af, and aocsptd by, Lsrrder rn oorrrectlon with this Mortgage, and (b} Grantor has the fuN right. power. andl authority a oxsarts and dsNvsr this Morlpage a Lender. Detsnee d TMIe. Subject >n the exoeptbn to the paragraph above, Grantor warrants and wNl torenror defend the title a lire Property agair»t the lawful halms of d persons. In the avant any action a proceadkrg t conrnenoed that qusWor» Grarrtar'a tttle a the krarsst of Lender under this Mortgage, Oranbor stgNl dehrrd the action at Grarrar's expanse. Grantor may ba the rromHtM party to such protoeedktg, but Lerxler aMN be errtltled a ~ RarNalpabs t the pra»sdhg and a be ropresented M tM prooesding by courarel of Landers own daiw, and ; Grsrrior watt tlsdiwr. a Dears a bs deNvsrod, a Lender such inatrumena as LarWer may request from tams a tlma', to permit such parddpatlan. ConrpNarroe tlMNr t.aNas. Grantor warrant that the Pr~stty and Grantors use of the Property txxnpNes with all! sxtgnp applio~le laws, oMlnanoes, and rsgutatlons of povammenal autlrorltles. ttaavh?al of Reprarerrletlorrs sod Warrarrlts. Ap roprosentatlorw, Mnrrantlss, and agroemerrts made by Orenbor in tht Mortgage shah survive the eoatxrtlar and deNvsry of this Morbage, shall be tmntinutng fn nature, and shall rennaln Fn still tbrrrs and effect urNil such time as Granbora Indablednees etrsp be paid In fuN. EXISTMIfi Ib~. The folMwing provisions oonosming F.xistkig Indebtedr>ess are a part of this Mortgage: Exttlng LUn. The Nan of tht Mabpage Hctaing the Indabadnsss may bs secondary and inferior bo ~ sxtstlng I. Uen. f;kanbor eotpr+sssly covenant and aprMS a pay, a see a ttre paynrsrtt ai. the Fadstlng Indeblsdnsse and to pra!vent any tiadat+lt on such Indebbdr~s, arty default under the instrument evidsndrrg such indsbadness, or arty j dstYsAt urrdsr any security docurrrsrrt for such irrdrbtsdness. Ne Nln. Grentor shall oat soar iMo arty egrsemerrt with the holder of any mortgage a pitta security egraentertt vt!ftiott has prbrtty over thba Mortgage by whbh ~ agroerrtsnt is modified, amatdsd, extrdad, a renearled wNttout the prbr writbert t:onaertt of t.ertder. Grantor shop nsptter request nor accept any Nature sdvantoes under any such securky sgrsement wNhaut the prior wrttan oonprrt of Lender. CONDNRIINATION. Ths fdkraving provisions relatlng to condanrtatbn proeeedMtge are a pert of this Mortgage: Proseeslags. ff any proceeding in condemnaton t fNed, Grattbor shah promptly rrotify Lratder In wrtling, and Ganlor shah promptly take such steps as may be necessary a delsrtd the atatbn and obaht the award. Grantors may be fife rtorrtkt~ pargr M such prooeedktg, but LerteMr shah be entltlW a partlcrpaa M the proceeding and ba be rePrtraeMad in ~ ping by counsel of la arvn t#toioe, and Grantor vrNi dNiwr or cause tb be dsNvsrsd to'~. Lsr~er such instruments and documsrNatlon ae may be requested by Lender from tlma a time to psnnit such AppMmegan of Net Pneeeeds. ff ail a any pert of the Property t corrtdsrrrted by eminent domain procsedktps or by any pocsflding or purdtase In Ilea of oondamnation, Lender may at Its trlsctlort nquiro that aN a arty portion of the net gvctieds d the award bs applied a the Mde or the rspalr a roaoratlon of the Property. The net,, prooseds d the anvard shah mean the award after paymertl of ap scxuat oasts. expenses, and attorneys' fees inctrred by Lender in connsctlort wNh the condemnation. i MORTGAGE {Continued) p~ s BAP011171GN OF TAXES. FEE.if AlID CHARAIdi BY AOVlNNAAENTAt. AIlTFIORIt'tA<S. The tollovring proviskxrs relatng to govwnrrrerrW taxes, lass and charges ere a part of this Mortgage: Cwrwrt Tsons, Fsss sad Charges. Upon regwst by Lerrdsr, Cirarrlor shah wacuts such doarxnards in addltbn to thb Mor~eps area! take whatever other adian is regtreslad by Larder to parfece and oontlnuo Lendar"s Nsrr on the Rsai Property. Grantor shell r+skntuxse Lender for adi tames, as desrxibed below. topatl~ar with all expenses incumsd in reoordNrg, psrficlkig or continuing. thin Mortgage, indudktg vrRhout limitation aA takes, tees, docuntsnbry starrrpe, and other drargss for reoordtng or regtsterkrg thb Mortgage. Texas. Tha 1Frllowirrg shall car>stlhrte taxes to which this aectlon eppAes: (1) a apecfic tax upon this type of'': 11AorlgaBe a upon aN or any part of the MdsbNdnsn secured by thin MortBaps: (2) a apeo~c tax on Grentor vrhidt f~nwrtor R autltorlxad or roquirod to deduct from paymsnb an the hrdebtedrtaa seewad by this type of , (3) • tax on itds type oT Mortgage chargsalols apakgt the Lender or the haMer of the Nota; and (4) a tax on all or any portion ~ the Indsbtsdness or on peymsnb of prhrdpsl end ktiterast made by Grantor. ' lWbes,usrrt Taress. H any tax to which tlriss aedbrr apPws b enedsd subsequent to tM data of thb Morpage, thb want shah haw the same effect as an Event of Dslault, and Lender may exercise any. or aq of Ile evelbble remedies for an Event d Defauk as provided belovr unless Grurrlot either (1) pegs the ttoc Nafors it becomes dsMnquent, or (2) oontssts the tax es provided above In the Tetras and Lbns section and dspotas vrith Lender cnat? or a suillctent corporate surety bond or other secrxlty satldactory to Lender. sECtJRITY ~ t~IANgNA IRTATEN1ENTS. The following provisions relating to this Mortgage as a security agren+rsnt ere a part of this Mortgage: Ssawrlgr~ Apysmsnt. Thb Instrument shsA conegiube a Y Agreement b the extent any of the Properly corretNutes . and Leader shsA haw aA of the rights of a secured party under the UnlAam Commercial Code ss amended them time to time. SewrrNy Nrlaraat. Upon request by Lender, Grantor shaA take whatever aatbn b rerprested by Lender to perfect acrd aor#rus Leader's security kkerest M the RerMs end PsrsorrM Property. In addNlon to rocardNp thb MorKjage ! In the reM property records, Lender may, at any time end wkhout further aulira'tzetlon from Grantor, IMs exeprfad courr~erparb, oopNs or reproductions of this M~•D• M a lkwgranp statenreM. Grantor shM reimtNxss Lender fbr aN aograraes Inrxrrrod in psrlecting or oontlnu' this ssrxeily ktteraat Upon dsfauk, Clranbr shad rat r+srrrove, ewer or detach the Persona! Property ttan the Property. Upon dsfiarlt, Grantor shaA asambb any Personal ' Properly rat ailbaed to tlrs Property in a manner end at a picas reasorpibly oonwnisnt to Grantor and Lerxisr and make k awAabb b Lender within three (3) days after receipt of written demand from Lsrrder to the extent Partntlbd by appNcable law. Adii~sasea. The rrreiWng addresses of Grantor (debtor) and Larder (secured party) from which infomration oa+cerldr~ tM ••~Y interest grorNsd by this Mor~egs may ba obtakrad (each ae required by the Uniform Conxnardal Code) are as atathd on the first page of this More. FUtt<TFI~t /ISStMRAiiCES; ADDif10NAL AUT1tORli~?TIONS. The fdlawirrg provlalons relating to further assursnoss and additkxwl arrUroriZatlons are a part of this Mortgage: Fralirsr Asarranoas. At any tlme, and from time th tuna, upon request of Lender. Grentor wql make, sxsarts and deNver, or wiN carne tD be made, eraearted or delivered, to tsrrdsr or to Lenders designee, and when reques6ed by Lender, caws to be iNsd, reeardried, rsAYsd, or rerecorded, as the case rrHy be, at such tkrrers and In such oflkes and pieces as terxlar may deem appropriate, any end N such mortgages, deeds ar trust, seaufbr deeds, security agrsarrrertta, 1lnanoNrg statsmsnb, cartlnuatlort sbtsmerrts, Mstnrrnerrts of further assurenvs, oa?tllfalrtes, end ether documents M may. In the sob opinbrr of Larder, be nsosssary or dsskabb M oMer to elfaclwM, compote, psrlisc:f, orsntlnue, or preserve (1) cirantors obligations under the Mots. this Mortgage, .and the Related Dorxrrrrerrb, and (2) the Nens and security Interests seated by fhb Mortgage ss first and prbr Aens on the Property, whether nave awned or hereMier acquired by Grerrtrx. tMlaw prohibiNd by law or Leader egress to the oorrtnary In vrrsirp, Grssrtor shall roimbrase l.errdsr for aN costa and expenses lncumed In connectlort with the maths r+sterred to M ibis paragraph. AddNlorrM AtMAordsdlons. If Grantor fsib to do any of the thkrgs rebrred to in the prscsdkrg para~h, Lender may do m for and In the Hams of Grantor and at Gnr>bor's expense. For such purposes, Grantor hereby kravoarblY authcRiass Lander to make, execute, dsAver,lNs, record and do all other tMrrgs es may be necessary or dssirabk, M larrr~rs sob opkrion, to aoconrpib#r the matters referred to in the preceding peregraph. It b understood prat nothing set forth herein sMdl require Lender to take any such actions. FULL PlRF If Grantor pays aA the Indebtednps whop dw, end otl~srwlae performs aA the obligations imposed upon arenbr under this Mortgage, Leader shaA sxearts end daih~sr to Gra?rbr a sukable saUsfirctfon of this Mortgage and sulfabte stalsmenfs of tenrrinatlon of any ttnanrrting starlsmerrt on 1Bs svfdenckrp Lenders secrxily Interest in five Raab and the Personal Property. Grantor will pay, if pemrftbd by appfknbla law, arty reasonable termination fee as detennMed by Lender from time to time. x i , MORTGAtiE (Contint»d) p~ EVENTS OF DEFAULT. Each of the following, at L~srrdsr'a option, shall oonstlltrts an Event of DsfaWt under fhisl Peynrark Oefarrt. Grardor fails to make ea,y Payment when due under the krdebtednses. Da4ietrk ~ Ogrer Payments. Faiwro of Grantor within the tfnw roquireid by this AAortgage b make any payment bC taxes or hmrrana, or any other payment r?eassary to provsnt tang of ar td eftbCt dtscharga of any lion. Ober Det'a~b. Grantor faua to comply with or to Perform any offNr term. obllgatlon, covenant or condition) ocntakrsd In tt>is Mortgage or in any of the Related DocxxrreMs or to comply wfth or to psrktrm any term, obllgertbn, covenant or condltlon contained M nY other egrosment between Lender and Grentor. FsNe tiiYirrrenb. MY warranty, rsproeentation of statement made or furnished to Lender by (cantor or on j Orar?tor's behalf under this IIAor~age or the Retatsd Doaxnerrb b tales a migsadNrp In any matrulal rasped, j either now or at the time made or flrmished or beoomn false or misleading at any time thereafter. DefiWw Col~eroil>wtlon. This Mortpags or any of the Related Dopxner?is aria to be ht toll force and ellect (~dudkrg fairrre of any ooNateai docaxnent m creehe a valid aril psrfiraed security Irrtsrest or Ilan) at arty time end for any anon. Death er irraalvsrrcy. The death of Grantor, the Insolvency of Grarrior, the appoinbnsnt ~ a roaiwr for any part of', Grarrtor"s Property, any assignment for the benefk of orsdbont, any type of oredbr workout, or the aornrnenarnerrt of arty proceeding under any bankruptcy or krsohroncy laws by or agatrat Grantor. C+Mlor or ForfsNtrre Proceedings. Corrrrnsnosmsnt of forecbewe or forfeiture prooesdkrgs, whearer by judicial ~ Perna gyp. reponnNon or any otfNr rnslhod, by am atidilar of Grorrtor ~ by arrr govrKnr~tat agency i ~Y proP~Y gyring the Indeblbnese. This Irrcludss a ~ of arry ~ Granters acoorxrte, ~ lrrduding depoaR acoorxrb, vvlth Lander. However, ti>fa Event of Deft shell not apply if thors Is a good faith dNpuM by Grar>bor n to the vsll~ty or ~ of the olairn which is the heels of the crerdNor or fafekure , proceeding and ff Grantor glues Lender written notice of the tx~edttor or fafettime prooeedirrg and elapesits with Lender nrorrisa or a surety bond fir the rxeditor or forRridxs proaedhrg, in sn amount debrrnined by Lender, in its nle dlmxs~n, as being an adequate rrssenre ar bond for tits dispute. thdellno tadeirledness. The payment of any inebNrrwM of principal or any inteewt an the Exbting Indebtedness is ' not made vrithM~ the time reprrirod by the prominory nob eMdsrtcirrg sueh indsbterbreas, ~ a detiwlt occrxa under ~ the Msbvrrrent eeraxing such indsbNdnen and is not cured during any aPP tea Period ~ such NMShrxnent, or any suit or other action is oonmenosd b foreclose arty exblbtg Nan on the Property. Bteseh of Other AOrosmsnt. My bread) by Grantor under the forms of any other a~aernsnt beMreen Grantor and ~ Lsndsr 1Ftst la not rsmerNed wtihM any grace perbd pr+aAded theeein, kx~rrdinp without IbMtaion arry egnssment conasming arty indebtedness a other obligedion of Grantor b Lender, whether existing now or later. Evsnb Afhetlao ouarontor. Any of ti» proadkp sveurts ooaxs with reaped to any guarantor, endorser, surety, ~m of arty of the Indsbtadnass or any gtrararrtor, . surely. or aaoonwrwdabn party patent, or revokes or disputes the valklliy of, a I~Nity under, any Guareniy of the , Indebtednses. Insearrity. Lender in good faith believes itself Muecure. ~ b Cras. ft any default. other than a defiWt In paymsrrt h curable and ff Grantor hn rwt been gMsn a notice j of a broach of tM same provlalon of this Manage wlMrin tl» Pr'aad+ng twelve (12) month*, it may be vexed K Grantor. after Lender aende written notice m Grantor denrandng rxnv of such dsf~ (t) curos the deft w~M fifteen {1s) days; or {2) if the cur. r more that, Aftesn (15) days, immedaately kYtiatn ebeps veFach Leader ' deems ~ i~rrders acts discrotion to bs sufltdent b cane the dsfMUit and there?eilter oor>tirruis and conrPistes all ressortabls and necessary steps suffldsnt to produce oompNana ae aocn as reasa?aby practical. RIGFfTa AND ON DEFAULT. Upon the occurrence of an Event of Default and at eery time thsreN4r, Lender, at Lenders option. may sxerrdse any one or more of the fvllowfng ruts and remedies, in addMion to any other rigMe or remedies provided by law: Accelerate indabbdrrsn. Lender shall have the ripM at ks option, after giving such notlae n required by appitcabb law, b declare the entire brdebtednsss immediately due and peyabls. tJCC ttanredia. With rasped b eN or any part of the Personal Property, Lender shall ha+re all the rights and rerrrsdlee of a cecursd party under the Unikxm Conrrrrerdai Code. CoMat Ranh. Lender shag have the rf~t, without notbs b Grantor, to take possession of the Properly and, wEth or wiltwut tericfng possession of the Property, m collect the Rents. including smrwnfs pdst due and unpaid, and apply the net proceeds, over and above Lenders poets, agoirs:t the fndei>earkrsss. In furtherena of this right, Lender may requlns any tenant or other user of the Properly to make payments of rent or use fees directly to (.ender. if the ReMS are ooRscted by Lander, then Grantor inevoe~bly authorlaes Lender to endorse inabuments i , MORTGAGE (Continued} Page 7 recehred in payrrtsrrt ihsred in the reams d Grantor end to nsgatiah the same and oolbCt tt?e proossds. Paymenbr by terrarrb or other users to Lsrrdsr in reapanss to Larder's demand Nall tatMsiy the obHlptNcKls for which tins l peyirrwrntt are roads. vrFretirer or not any proper grounds for floe demand existed. Leader may exerdse its rights! under fhb aibparagraph either in person, by agent. or through a reosivar. AppoNrt ReoelrMrr. Lender sFreN have the right to hevs a rooeiwr appoktihd b take poeseeeian d atl or any part d~ the Properly. with the power to protect and prearve the Property, to operslre the Properly prrawdinq krooiostss or; sale. and to oofi.ct the Rent from the Property ad apply the proceeds, over and shove the ooet d the reglversir~, agakrst the k~debMdne~. The reoehrer rrry? terw without bond M permMted bt? hw. Lenders right to the appok~rrent d a rooshrer e1rNl exist whether or not the apparent vsdue d the Pnaperly exceeds the Irrdebtsdnees by a substantlal amount. Employment by Larder shag not disgrrotlfy a person from as a'. nwhrar. .prdirdel FerealoKre. Lender may obhin a Judicial decree farsctosing Gnartors interest in atl or any part of the Property. Nor~adlaW sale. If pennRhd by applipbh law, Lsrrder may Noreobse Grsnbor'a Interest in aN or In any pert of the'; Psrsorral Property or the Real Properly by narrJudidal sale. LenalE rr ~ of a~l amo~ilms ~Irooeived tr~ the ~e d~ rsmainkrg In the Indetrtedn~s due to rights provided in this ssctlorr. Taaerq at sulNranoe. If Ciranbor ramakrs in poeeaetbn d the Property aMr the Property b said ~ provided above or Lender otiterwhs beoornss entffled to poaNeslan d the Properyr upon dehult d Ararrtor, Grantor shay becorrre a tenant et w(ferarxre d tender or the ptmtaeer d the Properly and etratl, at Larder's oplbn, either (7 } pay s reasonable ron1N for tine use of the Properly. or (2) vaerote tF» Property immettlatsy upon the demand of Larder. Ohet Ranradlee. Lender shah have atl other rights and romedies provided in this Mortgage or the Nobs or avaibble at law or kt equigr. sale of itre Preperty. To ttre audsnt psnnlttvd by spplitabb Iaw, Grantor hereby Mrah?~ any and dl right to nave the Property nrarNraMed. In ara~erdairg ih rigffts end rslrredlrrs, Lender shN be Eros to saN aN ~ any part of the Properly togalfler or separately. in one eab or by sepsrate sobs. Lender shell be entltlsd to bid at any pubtlc sale on aU or any portbn of the Property. t~lotbe of sob. Lender shall give Grantor reasonable notlcae d the thrre and ghee of any pubNc sob of the Personal Property or d ttre tkne alter which any prlvsh seb or other Intended dispoel~n d the PeraerrN PropeAy b to be made. Unless oMlsrwiee ?equGed by apptlcabb law, roaserarbb notloe shah mean notice giiwm st laaN ben (10} days heifers 1M time d the aab or dbpositlon. Any sob d the Persona( Property may be roads M conJunctbn with any saki of the ReN Properly. EbNton of Reaatdles. Electlon ty Leader td pursue any remedy shag not exclude pursuit d any oti~er rsrrredy, and an ekdion tD make expsndl<wes a to take action bo perform an obtlgatlorr d Grarbor under this Malgeps. after Grantor's falkrro to psMbrrrr, shNi not atlbct Lender's right to deolae a default end exerdse ice rsnredres. Nothing under Mb Mot~pe or oBrsrwise shah be constnud ao ere to Nrrrit or rsatrid the righh end twrrsdbs avsilabb h Leader fWovring an Event d Detrruk, or in airy way b IlrNt or rseMd the rights ad abtlity d Lender b proceed i, dkectly agakrN O~arrtor andlar ageirtet any other oo-matter. quannbr. suroty or endonar andlar bo proceed against any other ooMrier+N dlrsctly or Irrdkeotly securkrg the Indebledrrs~. Mtlorrreya' Fees; 6grera~. If Lender instlhrise any suit or action to enforoe any d the terms d fhb Mortgage, Lender N1aN bs sntltled to recover such scan ere the court may acpu~s reasonable as attorneys' Rees at trial and upon any appeal. WMtMr or not arty cowl action b krvohnd, and b the ardent Trot prohibited by law. all reaeorrabb expsrrses Lender irKxxs that in Lenders opinion are rrsosssary at airy tlme for the pnoisctlon of Its inlerset or the erMonwment d Its righb shatl become s part d the Iraiebiednsss payaDb on demand end shall beer interest at the Note rate from the date d the eurpsrrdlbure unttl repaid. Expense covered by this pasgraar include, Lenders btlN artparses, r or not there is suappNcabb laws roaeorreWe a~omeys' fees and +Ptoy Pry (b~~ efforts to modNy a vscabs ~atrlomatk: shy grjurrdlan}, epD~ ~ antioipeted pod~udgment collectlon services, the cost d searahkg rsoords, obtakrinq title (krchiding forosbwre reports), aurvsyoro' ropotb, and apprabsl fees and tlUe insurenos, to tine exberrt peRrdtted by applkable law. Grantor also will pay any court costs. in eddltlon to aN other soma provided by law. NOTICES. Unbss atherwlae provided by appNc~le Iaw, any notiw reQuirod to be given under this Mori flags ehail be ghren In writkrg, and shall be effective when actwNy deUwr+sd, when acaatly received by ~e (unkrsa in the llrNbsdstdee rose,} fast cl~cartl}led or rplta~sd ~ ~ ovwnl~tt courier, or, if maN~ed, when depoalted near the bsginnirrq d this Mortgage. All oopba of notlow of farodosu dsdkr of~any Ibn whi rim P ~Y I, MORTt3At;E (Cotrtinu~ page over this Mortgage mall be sent to Leader's addrps, w shown near the beginning of the Mortgage. Any party nra i its address 9or rrotloss under this 1Aor~aps by giring formal vrrltten ratloe to tt» other gentles, epeoNyirrg the the purpose of the notbs b m change the party's addnas. For ratios pcrrpoae, Grantor apneas m talap Londe irrfvrrrred at aN tMrrea of Grantors oument addr+eas. Unties otherwise provkNd ty apppabie taw, If there k more than one Grantor, arty natlce gNsn by Lender m any Grantor is deernsd m be notice, gtwn to sp Grantors. Pt00iYfslt~. The toMowNtg rrrhallarreoue provblorrs are a part of this Mor~ape: Aarerrdrrreals. ThN Mortgage, togetlrer wkh any Related Doourrrerks, ~netlhdes the entlr+e ~ andl spreenrant d the partlee ss m the matters set forth in this Mortgage. No aksratlon of a esnerrdfrrewrt 4o this the altsratlcm or amsndment~. M in writing and aiprrsd by the party or parties sought to be charyed or Amaral RaRorls. K the Properly k used for purposes other then Gnrrtcx"s rssiderros, Grantor at?~ itatrietr toy Lerrrier, upon rsqueet, a csrtlfied staterrrent of net operadrrg kxlorrr recNved from lire Property darning Gnmmrs rltorrr tlr~Pr+opsrty ~ ash sxpelndlturee rnsde~M oonrnctlorr virktrrdton ofof the t~r~operty all rash, fsptlon Headings. Caption lreadkgs in this Mortgage aro for cawerdence purposes only and are not m be used to inlsrPrst or define the provfsiorrs of thh Mortgage. ttewnrNrg L.aw. 7hte worlgags MAtl be gownsed My federal law ap~Naebb m Lander sad. m N+e e~derrt not preeaMAed by federal hw. the laws of dte Coraatortrrea>t!r of ~ wftlhout ~d m M e+ardtictt of tavv ~ prooiebrrs. This Mortgage has ilesn seaepMd by Lerrdsr M Nre Co~arasmeeaftlt of Penrreytvanle. f~rolee of Yenw. ff tlrere la a Iarwsuk, Grantor agrees upon Lender's request to submk to the Jurisdicdon of the oouets Of Cumberland County. Conxrronweakh of Penrrsyhranla. .mint and tlererN LlablNyl. AN obpgetlona of Grantor under this Mortgagee shag bs jotrrt and ..venal, and ap rehrences to Grantor shay mews each and every Grantor. This means that each Grantor signing below h rssponriWs for aN obpgatlons to this Mortgage. No tMalver by Lander. Lender shall not be deemed m haw waived any riQhte under this Mortgage unless such waiver is given to wrfting and signed by Lerxfer. No delay or onrinlon on tl» pert of tender In errerdsbtg my right shaft operate as a waiver of such right a any other right. A vwpwr by lsrrderr of a provision of this 6itertgegie shall rat prejudkre a ooratltute a waiver of Lender's right otherwise m demand strict corrfpNesrrss wkh that pr+a~bn or ~ any otlrsr Provieler'r of this Morpsgs. No prior waives by Lender, nor arty caeev of dealing bstvwen Leader and Gnerbr, NrrN ocnetlhRe a waiver of any of Lender's rlgtrte or of arty of Grantors obllgattom as to ary? future j transaotlons. tAMfertever the conserrt of lsrrdsr b regWred under this Mortgage, the grantbrg of each ooneeM by Lender in any kutanos shell not oonstltu6s oor~ufng consent m sr~eegwnt Inebrtas when such consent is requhed and in aN ~ such oonssrrt may be granted or wftlrheld M the sok dieaetlon of Lender. Severabitlgr. If a covet of oornpatsrrt jurisdiction finds any provision of ttris Monlpags to be ipeged, Invalid, or ae m any person a cirarmetance, that find she11 rat make ttre ofisndirp provision Nlegel, ImraNd, or ~ as m any other person or ctrpetretanoe, it faaelbh. the ofhn~g provleion chap bs c~idend modified so ttrat tl beoonrse legal. Ladd and err6orpabis. It the ot#erding provlelon anrrot be so modpied, ft shall be coruttltred deleted from this MoM~pe. Unless oQrwwip r+sgtdreci by Iaw, tea Ikepaligr, invegdky, or unenforoeerbtlUy of any provleion of fMs Mortis shop not affect the legality, validity or snforcegfbllky of erry other provielon of tlrh Mor4pe. Merger. Thera eheN be no merger of the interest or estate created by this Mortgage with any other irNsrsst or estate in the Property at any tlrne held by or for the bsneM of Lender in any apadty, without the written consent of Lender. lucosaor Irrtereets. The terms of this Mortg~e shall be tdndkp upon Grantor, and upon Grarrtor'a hers, personal j reptsesrdNivas, sucoeaaore, and assigns, and shdi be enAoroeabls bN Lender and its suocasora and assigns. Time N of the Eeeerra. Time b of the asesrroe in the perlomnana of this Mortgage. rY arry t~Y against arryotlwir psety.~ ~ m any fury trial In any aatlon, proeeeekng, or DEFINITiOtq. Tire following apiteiized words and terms Neap haw the fotloMrkrg meankps when used in ttrla j Mortgafe. Uniemt sps~cffiailir stated m firs contrary, atl refererrtms to doNar amour><a shall mom :mounts in Ievvful moray of the Unked States of Amenia. Words end terms used in the singular shop Inclcule the plural, and the pkrral sh~l irrckrde the singular, as the contend may roquire. Words acrd terms not otherwise dellned in this MoriQtps shall ~ hew the meaMrps attrtbuMc! m such teams In the Uniform Corrrrrrercisl Cods: Bonreaee?. TM word 'Borrower' mama Robert 3 Caudill and Wendy 5 Martz and Includes all oo-signers and ~I oo-makers signhp the Nato and ap their suacsssore and assigns. _ _ _ _ _ _ _ _ I i _ _ _ _ _ __T _ _ _ . _ _ _ _ q MORTGA+6E (Cor~tMt~adj Pala 9 Qe(au1L Ths Word "Default" means the Default set forth M this MOrlBpe In Ure eeedlexr tNled "default". Enviratrrrwrrbl t.a+sa. The words "EnvNonntsnW Laws" mean any end aN tsetard sad local statutes roprrNdions and ordnarrca nbtlno b lire protection of humor haaltlr or the ~ indudktp lid iM Cattpndlsrahro Errvboratrerttd Responap, Conrpenaadorr, and LisblYty Aex of 1980, a atnsnded'M , 4 U.S.C. Seerfion 9801, at seq. {"CERCLA', the SuperNnd Arnarrdnrenb and ~ Act of 1988. Pub. L tJo. 98.4 ("SAfiAry, the Fhaardous Mabriais Tnmsporta~tlon Ad, 49 tl.S.C. tiawlfon 1801, e# aaq., the Conaarvatlon and Recovery Ad, 42 U.8.C. Seatlon N01, et seq., err other appMcable state e>r tederal caws, nilss,. or ro aelopted pursuant therob. t'.vsnt of Dafaalt. The words'evsnt d DeisuH" mean any of the everna of eisfauR set forth in this Mortpape in then event esf dsbult sedbrr of this Mort~ps. FxUtlnQ Inisiiiednsss. Ths words 'Exbling Indebtedness" mean the Indebtedness described in the Eralstirtp Lbnsi Pr'oYlsbn of >tds Mere. Grantor. The word "Grantor" means Robert S Caudill and Wendy S Martz. riwrarrb?. Ths wex+d "Otrarasny' means the ~uareMy from ptnranbr, enebroer, surety, or aexorrnnodatlem party tot. LerMsr, Irxdrrdirrp without NrNtatlon a puanerrty e>f all or part of the Note. Flaserdeps 3ubabneas. Ths words "Hazardous Substanoss" mean meJarials that, trecause of their qusntky,i erongattratlon or phystextl, drsmbal or infictlews edtat+ae~srMtlers, may cause or pose a prosant or poMrttbl hwrd) b human frsaMh or the errvireaanern when improperly rued, fr~eatad, storod, dlapoeed of, gsrrsriMsd, marrutaadaed, ~ trarteported or ottrarwtts handled. The worts 'Hazardous Subabrross" an used h 1tre~ wry taeadset arse and ~ kroNrde wt8rorrt Nntiielllon any and all hazardous ex te7odC strbMarroa, naterWs or west a ddirrs~d by or iisbd order the Envirearnrerrtd Laws. The teem 'Hazardous Subetsneres" also ineduda, without limitation, petroleum and' petroleum by-~adt~ds or any frectlon thereof one! . lmprowarerNs. Ths word 'Improvements" means aA sadrdrg and future M~rovsmerrts, buiWkrps, structures, merhNs home affixed on the Rsd Property, fac~iss, additlons, roplacerrrerrts end other exmstruction on the Reap Y• hwsbMda+as. The word "Indsblsdnass" means aN prtne~Pei, interact, acrd other amounts. coats and ergrertas payabb Larder the (Job or Related Deraanerrts, topWter with saU renewals erf, extensions of, msdlltcatlons of, exrnsotidMtlor» e>f and ~ for thv Nate or Bolded Dooumarts and arty amotrnb eorpended or advanced by Lsrrdrr b deoFranpe Grantor's oblfaatlone ex expar?ses incurred by t.erder b enferrce Grantor's obNy}atlons under this Meatpape, topetlter with interost ern suedr amourrb as provided in this Mextpage. L.enrMr. Ths word "Lender" means Inteprtty Bank, its auexasors arxt aalyns. More. The word "ItAortgags' means this Mortplge between Gnsnlor and lender. The ~qM "Waite" means the promissory note dasbd AprN 20, 2011, It1 th! OtlgffftN amount Of ~ff>,"~ hom Grantor to Lender, togetfrer with all renewstb of, exlensitrns of, modMcxnbns of,'-, rotMane#pe of, exrrteolidatlons e>i, and aubsttbrdona for the pr+ombsory Hole or aprosmern. PersonN Property. The words "Penorral Property" n~rr asd se8riprrrsrrt, fixtures, and ottror artlales M personal j property now ex hsraeafOsr owned by Grarrtar, and now err harwdter attae>frad a attlreed b Ihs Red Property; bopatfter with sit aaoaabns, part, wd sd~lbns b, aN rapMMOSrnsnb e~f, and all auicrre br, any of such Pr~operiy; and topatl»r with dl proceeds (tr>cludirrp wkhout Ilmihtlon all fnsuranoe proceeds and rofrads oaf' prondrrms) irate any sob ex ertirer dieposltlon of the Property. PropeAy. Tire word "Property" means exrllactlveiy the Real Property and the Personal Property. Rest Property. The words 'Real Property" mean the red property, Inbrosb and ri8hts, as further desexibed In this Relabd Doorte»rNs. The words "Related Dootansrrte" moan ell promissory Hole. credit a~+senreMs, ben aprosmerks, envkonmenbl apreerrasrrts, ptrerantles, ascraRy a~semerrts, nwrtpapes. deeds of trust, security deeds, oerNaterol nrorpispa, and ~ other Inst?tmtertb, agreements end doexrmanb, whether now or hereafter sxbMng, eroscerted M esonnection with the Indsbtadrless. Rent. Ths wexd "kerns" means all preant and futuro turns, rovenues, income, iswes, royasltles, profits, end other bsnsilts derived from the Property. MQRTGAGE {Continued) age 1a. EACH 911AIf1'OR Aq(NOMILEDGES HAVING READ ALL THE PROVISfONS OF THIS MORTGAGE, AND EACH, GRANTOR AGE TO ITS TERMS. THIS IIOIIT"GIIOE.W dtrlW UNDER sEAL AND R IS SITENDED THAT THIS MORTGAGE Is AND tlliALL CONSTiTtlTE AND HAVE THE EPRECT OF A !<EALEO INSTRUMENT ACCORDNIG TO LAW. GRANTOR: r ~ ~ ~l` ~ X ~1 CERTIFICATE OF ItE$N3ENCE I hereby oertffy, that the prodsa addn~ss of tha mortaapse, IrrtpMty Sank, heMn is as follows: Camp HM OI'Ap, sS4l3 Market Stmt, Camp HIN, PA 1701'1 Atlows~.or for fiAoripapee INDMDUAL ACKN0IM.EDGMlNT C~AONYYEALTH OF PENNSriVANU1 ) j f sa couNTr aF ~c.~~~c~ i.t"j ~ this, the ~ ~ day of _ ~i % J . 2fl ~ r . bs/ora ms ~S tuwemyna/ ry PurNc, aMaanr Rsiar! i Cau~i, knoMm to me {or sIrE~Alrotiorlly proven) to bs the person whose name is wbaoribed to the within Instrument, and acknawlsd0ed that ha or she exeex~bsd the same for the Purposes therdn oontalned. M wRness wlnraof, I hsraunto set my hand and olllclal ssal. Miti N0~1q in and for the 3dtb of MORTGAGE (Cor>ttinu~dy Papa 11 INDMDUAL ACK;NbMiLEDGM~NT COMMONWEALTH OF PlNNSYLVANIA y y ~ COtiNT1r OF i= 1 Ics.o.ri - ~ LS\ y On tFds, the day of ~t~~~ s t . 20 ± . tietF,xe me ' ~i.~ r r~ ~ . ~ ! (e • Nlotery PubaC. P~sor~sMY aPPsa?ed Win~? d Mn'!s, knoMm tc? me (or satlsfaobrSy proven) to bs the psraon whose Hams is strbsoribed to the vritMn Instrument, and admawiedged I, that he or she easa6sd the asme for the purposes thenM oontalnsd. M witrress , I hereunto set my hand and oflleld seal.'/,,.- • a~1r Notary W~bNc in and State of J~aA, it/w6 MMMf?M~Io I er. . H nc. 1 7, starved. - , PA KILENDINOICFNPLI(~03.FC TR-407'6 PR•9 _ EXHIBIT "A" LEGAL DESCR~PTlON File No.: 209 90047 ALL THAT CERTAIN krt of ground situate on the South side of West Main Street, Filth Ward, in the Borough olf Mechanic~bur+g, Cumberland County, Pennsylvania, bounded and described as follows: On the North by Wbst Main Street, an the East by lot now or formerly of George Berkheimer, on th~ South by public alley, and on the West by lot now or formerly of D. E. Byers, having a frontage of Thirty four ( )',feet and thnse (3) inches, and the depth from said West Main Stroet to the said pubic alley, and a width aloe skald alley to Thirty-four (34) feet and three (3) inches. Having thereon erected a two story frame dwelling ho sle known and ntamberod as 423 VVbst Main Street, and a frame ganage in the rear. File No.: Zo110047 Exhibit A Legal Desaipt~n Page i of 1 - ~ T ROBERT P. ZIEGLER RECORDER OF DEEDS w, a CUNI)~ERLAIVD COUNTY _ 1 COURTHOUSE SQUARE CARLISLE, PA 17013 ~ 717-2~0-6370 ~1 .w.,,,A _ . Instrument Number - 201113360 Recorded Os SI'9/2011 At 11:03:17 AM * Total Pages -13 * Inatrnmeat Type -MORTGAGE Invoice Ntmber - s6wS61 User ID - MSW * Martgrgor - CAUDILL, ROBERT S * Maw - Il~TTFGRITY BANK * Customer -GREAT ROAD * glEE$ BTATE WRIT TA7C $0.5o Certification Page $TATH JCS/ACCSB$ TO $23.50 JIIBTICE DO NOT DETACH ~coaDn~G gees - X27.50 ~concEx og Daacs This a e is now art PAACEI, CERTIFICATION $10.0o P ~ P gags of this legal documeat. AgFCADl1BLS HO~JSING $11.50 CO~tT= ARCHIVaS gEE $2.00 ROD ARC:HIV~B P'E8 $3.00 TOTAL PAID $78.00 Y Certify this to be recorded in Cumberland County PA f RECORDaR o ~ Ds * -Information denoted by an asterisk may cltuge dnriag the verification procea and may not ba rodleeted on t6ia page. OQ29hiZ ~tll~ Integrity B A N !C NOTICE OF INTENT TO FORECLOSi~ M08'TOAGE -ACT 6 NOTICE August 1, 2012 To: Robert S. Caudill weedy s. Martz On Apri120, 2011 you eareaited a note in favor of Y~egrity Bank {the "Baal') evidencing a loan in the amount of 5219,900.00 (the "Loan"). The Note is eec~red by a mortgage (fie "Mortgage"} against ytv reel ProgatY aril numbec~ed as 423 West Main Street, Mechanicsburg, Pa 170ss (ttar "Mortgaged Pr+operty). The Mortgage lg IN S1~0IIS ~I+'AULT because monthly payments were not received for the months of May, June and July of 2012. The told amount now regHired to care thla defa~dt, or in other words, =et caught ap on yov payments, as of the date of this letter, is a3, 726 99. You may wre this default within THIRTY (30) DAYS of the date of this Letter by paying to the Bank the above-mentioned amount of 53,72b.99, ~y~~y additiornai ma~hly ~,;m~s laze cbarQea whicdt„gg4Y become due durirar this , Such payment mart be either by cash, cashier's chock, certified check or money order, sad made at 334s Markel Street, Camp Bill, Pa 17011 You may cute this default within THIRTY (30) DAYS, otherwise the Bank intends to exercise its right to acc~erate the NOTE and flew Mortgage. This mans that whatever is owing on the original amount bornnwed will be considered due immediately and you may loose the chance to payoffthe original mortgage in monthly instalin~s. If full payment of the amount of dethrrit i$ not mach within THIRTY (30) DAYS, the band vr~errd~ to c~orr~ce a Jcrwsuit to,~6r+sclase art ye~r'Ibfortgggve Froperty?. Mortga{pe ts, fisredased }bea~ Mvortga~ged F~perty wtA be seTd by else ~~iert,~`'ty p~uy the Lacar. If the Bank refers your case bo our office, but you cure the deliwh beSore we bin formal legal proceedings again you, you will still have to pay the reasonable atbarneys' fees actually incurred. Any Attorneys' fees will be added to whatever you owe the Bank, which may also include reasonable costs. 3345 Maa~Ees SemR Camp Hi!( PA 17011 • Pbowsi 717-9Z0~900.877-I-NAVEIT • Rsaa 717-910-si9ifM • wwu~ ~»u~r~au~nli„e. cnn, _ _ _ _ _ _ T_ If you have not cuc+eel the default witlmn the ttgrty (30) day peaiod and foreclosure p have b~yun, goer stlh ha?~s tha relit ~ c~n+e the defaerlt and P tale sale at arty tiure ~ to arcs (1) boar Ik,~forae face '"syfw~ecloaame scale. You may do so by payir+{g the total of the u~+ard aee~yp~, Pb+s ae7y? late or other charges then brie, as ~ws~ ae the raaanode atsoor,reya',~ee card cadets aorsse~d with the fa ccta~atie ask, ca7d yna ' psr,~i?m any o~sr rrai+e~rats ~nnaTet the Ma~t,e. It is, estimated that the earnest lobo the Sheriff's Sale careeld ba held would be approety November of 20 ~ 2. A note of tho date of the Sheriff s Sale will be sent tt~ you before the sate. Of the amrauaat deeded m cxv~e the de+~utt will inca+ease the lam' you wait. You may fmd art at any time whed the Payment will be by calling the undersigned st t~ ihlltfwing sruea~+dr: T~7-92Q-53$7. This payment be in caala, cashier's check, oestiHied check ar money ordea and made payable to the Bank at the addross stated above. You shoextd realize that a $hetiff" a Sate will tsaminat~e your owneralrip of the l~art$,aged per' and your right to remain in it. Ifyou cue to livo in the P'roP~3' after the Sheriff's Sale, a lawsuit could be ~rted to evict you. You Wive additioeeal right to help you p ' i~ in area 11i~rtgAyge Property.. YfliT ~V~ TAE ~EGhIT TCIr SELL TSIC 11~~IkrAt'F33 l!1'l~TY 3't) t)BTAII+ I1~31~Y Tt3 !AY C)FF TSE 'GAG», ~ TCl ~ ANA LF,ND~ INS'~1T`UTJtDH TD FAY Tla'~S T. Yf)~T 11,Y IIAVE T'S~ ~ TO l t3R TRAi~l~tlR TAE Mti~f~`GA~ ~0~'I~RTY S~J~T TO TIC llltk'i~GAt~G A AR Tl~ WHf) W;[~.L ASSUME T)il~ liltlO~f.C~A~+G~ B~$T, P~IF3 TI~AT A~.L ~iUTSTANIIwING PAYMENTS, CBAr!~ Alm TSB ATTt?~S PL"ES ANU Cf>~RT'S ARC PAS PA~It'l1~ Ela~t.,AT T. S! AlY1# TEAT R~UIIL"Lr11TS tI)!~~ T$>6 MTGA~ 3A YQU MAY GX1l~'AGT TS16 U~lhlc ' "tti'~1I 9~' ~l~t~Z ~Tl~'~'~t?8'AT' ~tG'tJb~~'T'AlriCE~R B~G'~T' ~'T' U ~A ' ~~~`I' TO gAYll: Tl~ h3EFAULT A ~ 1*A~T~' At'TI~TG @N' ~ L~'. If you cured the default in full, the Mortgage will be reeefored to the same position as if na default had occurred. 5inc~ely, James 1Niack NMLS b27395 VP/Consumer Lending _ . _ .n ~ _ _ ~ _ _ _ _ ~ _ _ ~ 9/6/2012 ?:52 McNees Wallace °u Natick ~~v °2405573 2 FORM 1 INTEGRITY BANK IN THE COURT OF COMMON PLEAS OF ~ e~.a CUMBERLAND COUNTY, PENNSYLVANIA N Plaintiff(s) ~ I ~ -r7 ~ i~#,t~l vs. _„~ZA. CT I~'''G ROBERT S. CAUDILL Ca 'Cf `T-t and WENDY S. MARTZ Defendant(s) S5 3o Civil ~ NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE cart ~ti.. DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in acourt-supervised conciliation conference in an effort to resolve this matter with your lender. N you do not have a lawyer you must take the following steps to be eligible fora Conciliation Conference. First, wthin twenty (20) days of your receipt of this notice, you must comact 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 the 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. It 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, whkh 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 corx9liation 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 cult proceeds forward. ' ff you are represented by a lawyer, you and your lawyer must tako the following steps to be eligible for a 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. lF YOU W/SH TO SAVE YOUR HOME YOU MUST ACT QUICKLY AND TAKE THE STEPS REQU/RED BY THt8 NOTIC<« THIS PROGRAM IS FREE. q / Respectfully submitted: 1/~'~~ Date Signature of Couns r Plaintiff _ , 9/6/20'.2 a2 Mc'~'ees Wallace ~ Nuriclt ','rC 92406573 3 FORM 2 Cwnberland County Resldentlal Mortgage Foreclosure Diversion Program F1na?rclal 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 Rlease provide the following information to the best of your knowledge: Borrower name ~s): Property Address: City: State: Zip: Is the property for sale? Yes ? No ? Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied: Yes ? No ? Mailing Address (if different) City: State: Zip: Phone Numbers: Home: Office: Cel I: Other: EmaiL• # of people in household: How long? _ • Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cel I: Other: Email: # of people in household: How long? first Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender. Type of Loan: Loan Number. Total Mortgage Payments Amount: $ Included Taxes and Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ? No ? If yes, provide names, location of court, case number & attorney: _ , ~ _m _ r- _ _ F m . ~ ~ i 9/6/20'•.2 i:52. N'cNees Wallace '\'Urzc'{ ~~C a24^5573 4 Assets Amount Owed Value: Home: $ $ Other Real Estate: $ _ _ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ S Automobile #1: Model: Year. Amount owed: Value: Automobile#2: Model: Year: Amount owed: Value: Other transportation (automobiles. boats, motorcydes): Model: Year: Amount owed: Value: _ Monthly Income Name of Employers: 1. Monthly Gross Monthly Net 2. Monthly Gross Monthly Net 3. Monthly Gross _ Monthly Net Additional Income Description (not wages): 1. Monthly Amount: 2. Monthly Amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly E~sQenses: (Please only include expenses vau are currently pavinel EXPENSE AMOUNT EXPENSE AMOUNT Mort age Food 2 Mort a e Utilities Car Payment(s) Condo/Nei h. Fees Auto Insurance Med. (not covered) Auto fuel/re airs Other Pro . Pa rnent Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day/Child Care/Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and Expenses; Have you been working with a Housing Counseling Agency? Yes ? No ? If yes, please providethe fallowing information: Counseling Agency: Counselor. Phone (Office): Fax: Email: Q/6/2n' 2 52 ^^cNePs ~+allace ^Iur~.ck ~'.C ~ Q244~573 5 Have you m:3de application for Homeowners Emergency Mortgage Assistance Program (HEMAP) as~;istance? Yes ~ No r] 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? Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: 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 my 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 Date Borrower Signature Date Please forward this document along with the following information to lender and lender counsel: d Proof on income J Past 2 bank statements d Proof of any expected income for the last 45 days d Copy of a current utility bill V letter explaining reason for delinquenry and any supporting documentation V (hardship letter) listing agreement (if property is currently on the market) V Copy of 2 years of federal income tax returns V Copy of deed T 9/6/201.2 ' .5c. Py' Mc;`~ees Wallace ~ Nuric)t ,LC a240~573 5 DORM 3 INT'ECiRITY BANK IN THE COURT OF COMMON PLEAS OF C:UMBERLANO COUNTY, PENNSYLVANIA Plaintiff(s) vs. ROBERT S. CAUDILL and WENDY S. MARTZ ' Defendant(s) Civil REQUEST FOR CONCILI/1 T10N CONFERENCE Pursuant to the Administrative Order dated _______v___, 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program: and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that statements are made subject to the penahies of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Oate Legal Representative Signature of Defendant Date Signature of Defendant Date 9/6/201.2 :52 Mc'Yees Wallace ox Nuric"t ,~C Q24^573 7 FORM 4 IN7'I?GRITY BANK IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vs. . ROBERT S. CAUDILL . and WENDY S. MARTZ, Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW, this day of , 20 ,the defendant/borrower in the above-captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant/borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in acourt-supervised conciliation Conference on at . M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the Plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the _ T . T.__.~. _ - - ~ i_, 9/6/2012 1:52 ??M McNees Wallace & Nurick ~~C 92S^5572 ~ Court of the defendant borrower's failure to serve the completed Form 2 with the time frame set forth herein or .such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; 9/6/2012 1:52 ~M N'c;Vees Wallace Fc Nurick '..C Q24~^5573 ~ entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COU RT, ~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Integrity Bank vs. Robert Stanley Caudill (et al.) ??,?,,tt? of 4:rrrnGrFl,r t? h 0 C T! 16 AM 9: 05 t" ENHSyt-k/ i41 i Case Number 2012-5530 SHERIFF'S RETURN OF SERVICE 09/13/2012 04:04 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on September 13, 2012 at 1604 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Charles Harrison, by making known unto himself personally, current resident of 423 W. Main Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. - F?A MICIC A ICK DEPUTY 10/02/2012 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: Robert S. Caudill, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Robert S. Caudill. Deputies attempted service at 423 W. Main Street, Mechanicsburg, Pennsylvania 17055, but were advised by Charles Harrison, current resident Robert S. Caudill does not reside at this address. Deputies additionally attempted service at 1334 S. York Street, Mechanicsburg, Pennsylvania 17055, but were advised by current resident Robert S. Caudill has not resided at this address in over one year, and is thought to be currently living with Wendy Martz. To date The Mechanicsburg Postmaster has been unable to provide a good forwarding address for the Defendant. 10/02/2012 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: Wendy S. Martz, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Wendy S. Martz. Deputies attempted service at 423 W. Main Street, Mechanicsburg, Pennsylvania 17055, but were advised by Charles Harrison, current resident Wendy S. Martz does not reside at this address. To date The Mechanicsburg Postmaster has been unable to provide a good forwarding address for the Defendant. SHERIFF COST: $80.00 October 10, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF C" Me Teieocoft. ^r:. Nedric L. Nissly, Esquire PA Attorney I.D. No. 44233 100 Pine Street - P.O. Box 1166 Harrisburg, PA 17108-1166 Fax: (717) 260-1731 Phone: (717) 232-8000 nnissly@mwn.com Attorneys for Integrity Bank -. +z: t ~ ~ ~ ~''tl ~"~ ,~~ ~7 ~<<~, ~ , ~. •-, -,~~ .. INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v• :CASE NO. 12-5530 ROBERT S. CAUDILL and WENDY S. MARTZ, Defendants :MORTGAGE FORECLOSURE PRAECIPE TO REINSTATE COMPLAINT TO THE CUMBERLAND COUNTY PROTHONOTARY Please reinstate the Complaint in above-captioned matter. A copy of the Complaint is attached hereto. Date: October 31, 2012 McNEES WALLACE & NURICK LLC By: N~Fic L. Nissly, esquire PA Attorney I.D. No. 44233 100 Pine Street - P.O. Box 1166 Harrisburg, PA 17108-1166 Direct Fax: (717) 260-1731 Phone: (717) 232-8000 nnissly@mwn.com Attorneys for Integrity Bank ~}$11.7S~d af~ ~.~. a ai c~ a ~~ ~~a$a~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY a ~_ Ronny R Anderson ~~ ~ ~ ~~ Sheriff ~r~... "~ ti,t of ~ttu~Lf~ ~ , 't2~ Jody S Smith ~ ~a~ , ~~G "~~ ~" ~~'~ Chief Deputy ;~ C c~ ~ Richard W Stewart ?ca ~ ~ ~ " " ^~-"~ ,~ rv ~ Solicitor tie `G'~~ b ~:,= ` ~ ~ ` ' '~ ~ . ; ...,- "? Integrity Bank vs. Robert Stanley Caudill (et al.) Case Number 2012-5530 SHERIFF'S RETURN OF SERVICE 11/08/2012 05:07 PM -Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Wendy S. Martz, Wife of defendant, who accepted as "Adult Person in Charge" for Robert Stanley Caudill at 16 S. George Street, Mechanicsburg Borough, Mechanicsburg, PA 17055. J ON KINSLER, DEPUTY 11/08/2012 05:07 PM -Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Wendy S. Martz at 16 S. George Street, Mechanicsburg Borough, Mechanicsburg, PA 17055. SHERIFF COST: $54.00 November 09, 2012 ~----_ ~r ASON KINSLER, DEPUTY SO ANSWERS, RON Y R ANDERSON, SHERIFF . ~our.;ySuiie Sne^ti.. Te.~erso't, ^c