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Home My WebLink About12-59020 SHAPIRO & DeNARDO, LLC 'BY: CHRISTOPHER A. DeNARDO, ESQUIlZE, ATTORNEY LD MICHAEL CLARK, ESQ., ATTORNEY LD. 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. 11-040424 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 PLAINTIFF Vs. Mirsad Mustafic 1.52 West Middlesex Drive Carlisle, PA 17013 Sena Mustafic 1.52 West Middlesex Drive Carlisle, PA 17013 DEFENDANTS ., ;~ ( ~ COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLANpD COUNTYn - NO: I -S-(d~ l~U~~ a COMPLAINT - CIVII, 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 MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANA' MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFI•.[CE 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. a~}~ I o3.75~ C~ ~~16p/~Od j ~1~a~9'103(~ NO. 78447 ~ ~ -•- '~' 7 ~. ., 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 DEMANDA 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 NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. LISTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARR USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 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 PARR 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 e SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY LD. 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. 11-040424 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: VS. Mirsad Mustafic 152 West Middlesex Drive Carlisle, PA 17013 Sena Mustafic 152 West Middlesex Drive Carlisle, PA 17013 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2, the address of which is, c/o JPMorgan Chase Bank, N.A., 7255 Baymeadows Way, Jacksonville, Florida 32256, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Long Beach Mortgage Company Mortg_agor(s): Mirsad Mustafic and Sena Mustafic (b) Date of Mortgage: September 30, 2005 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland CountyMortgage Book 1925, Page 2400 Date: October 4, 2005 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) Assi ng ments: Assignor: Long Beach Mortgage Company Assignee: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 Date of Assignment: January 18, 2008 Recording Date: February 27, 2008 Instrument No.: 2008-05625 2. Washington Mutual Bank, successor in interest to Long Beach Mortgage Company, was seized by the Federal Deposit Insurance Corporation ("FDIC") on September 25, 2008, in accordance with Section 11(d)(2)(G)(i)(II) of the Federal Deposit Insurance Act 12 U.S.C. §1821, and Washington Mutual's assets, including its mortgage loans, were transferred to JPMorgan Chase Bank . A copy of the FDIC Affidavit is attached hereto and is incorporated herein as Exhibit "B". 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. 4. The real property which is subject to the Mortgage is generally known as 152 West Middlesex Drive, Carlisle, PA 17013 and is more specifically described as attached as part of Exhibit "A". 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 "C". 6. The names and mailing addresses of the Defendants are: Mirsad Mustafic, 152 West Middlesex Drive, Carlisle, PA 17013 Sena Mustafic, 152 West Middlesex Drive, Carlisle, PA 17013 7. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 8. 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 August 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. 9. The following amounts are due as of May 31, 2012: Principal Balance Due $147,254.82 Interest Currently Due and Owing at a variable rate $13,464.66 From April 1, 2011 through May 31, 2012 Late Charges $884.86 Escrow Advances $4,196.12 Appraisal Fees $423.00 Property Inspection $91.70 Property Preservation $1,700.00 Suspense/Unapplied Balance ($1,107.78) TOTAL $166,907.38 10. Interest accrues currently on a daily basis and is subject to further adjustment as set forth in the underlying Mortgage and Note, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 11. 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. 12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. 1680.402c, et sec ., 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 "D" in accordance with Pa.R.C.P. 1019(1). 13. 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 9 and 10, together with interest, attorneys' fees and for othf;r expenses, casts, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: 07 ~ l a BY: //~ Attorneys for Plaintiff S & D File No. 11-040424 ~2. ~ ~~,~rl /~I~r.-, '4Vhcnracorded,mailto: RVJ~R7 ~'. ZI~GL~R r ~~..-.,.,•., Q Dfr~DS ~,.VL-. _. r.1 f • LONG BBACl3 MORTGAGE COMPANY . P.o. Box zoloss ~ " "''`''' T Y - ; ~. ; STOCKTON, CA 95202 ' `; ~ ~ (? ~' ~ A ~ ~ Q ~ 7 Loan No. Pazcel Number: (9psu Above 17r.7Ls Hor ReeoxdtnQ I3~f~l MOR.TGAG~ PHIS MORTGAGE ("Soctuity If}shumont") is givon on September 30 , 2005 .The mortgagor is MIItSAD MUSTAFIC and SENA MUSTAFIC, HUSBAND AND WIFE AS JOINT TENANTS ("Borrower"). This Security Instrument is given to LONG BEACH MORTGAGE COMPANY which is organized and existing under the laws ofthe State of Delaware ,and whose address is 1400 S. DOUGLASS RD,, SUITE 100, ANAI~IM, CA 42gOb ("Leader"). Boaower owes Lender the principal sum of Oaa Hundrod Thirty Foar Thousead Nine Hundred Twar<ty and no/100.---------------~---..------..----- Dollars {U.S. ~ 134,920.00 ). This dobt is evidenced by Botznwafs nab dated tho same date as this Security Itiatruutent ("Nato"), which provides for mauthly paymonta, with tho full debt, if eat paid earlier, due sad payable on 4etober 1 2035 This Sacwdty Iastruimaat aocurea to Lander: {a) tho r~aymetrt of the debt avldencad by Wa Nota, with interest, and ail ranowals, axtansiona and modificatlorta of the Note; (b) the payment of all other soma, with interest, advanced under paragraph 7 to pmtoat the socurity of this Socarity Irutrumant; and (c) tho parEormanco of Barrowor's covenants snd agroenuenta under tbia Sacuxlty Instcvmemt aad the Note. For this purpoeo, Borrower does heroby mortgage, grert and convey to Lender fho following dasarrbad property iocatcd in C[#MBERLAND County, Pomnaylvania: LEGAL DESCRIY'lYON ATTACH$D if38RBT0 AND MADE A PARS' I3EREOF which has the address of 152 W MIDDLESEX DRNB GAW.ISLE (stores, eey), potnsylvaais 17013 [~ CSI C'~PertY Addreury; P ~N11~YLY~NiA~yls~ao~lY~NMAfRHI.UIC uJi~oltllt tt18 t~R -~onn ~ P^oe t a7 teNlew' vwsP MapTU+~at rcwAS -(eao~csa /J~j + Q p (~ TDPAt(M,DLWJPG 'T'`/ ~,~ /2~1~~~~4V ~ ______ ~11~0-• ''/~u Borrower shall promptly give Leader written notice of any investigation, claim, d~mand,lawstiit or other action by any governmental or regulawry agaaacy or private perry itrvolviag the Property and raY Hazardous Subatanoo ar Faavironnnotatal Law of which Bort~awer. has actual I~wledge. if Barmwcr learns, or h taotiHod by arty Bavommontal ar ragulawsy euthorlt35 that any removal or other remedlation of any Hazardaata Subatanoo atYectiag the Property is accessary, Borrower shall promptly take all necessary remedial aotioaus is accordacoe with Satviroumasdal Law. As panel to this paragraph 20, "Hazardous Snbataacas" era those substances defined as wain or hazardoas substances by Environmartal Law and tha follow;og ~: gasoline, keroaena, other Samaaeblo ~ toxic petmh>.am prodewts, Wacic pesticides and herbiofdoe, volatile salvonta, materials ooataining aebasws or dtea>aleiehycio, and radioaottve anatorials. Aa rood in this paragraph 20, "Envlxanutontal Law" means federal laws cad laws of tbo jaatisdietion wham the Property is located that xelata w health, safety or arvironmaatal protection. NONUNIFORM COVBNANTS. Borrower sad Loader further covenant cad agree as follows: 21. Acceleratlesa; lteasedtes. Lender ahttII glue realise to Harrower prior ra aaaeIeraElort follerri>ag Barrorrer's hreu>etti of >uay oovrattent or aaree>aaat in Wis Secnrlty Itestraneeat {but not prior to acceleration under pau"ap~la 17 amless app}ka-1e law provide otherwise}. Leader altnll noti~ Borreeer ei, auneng ether things: (a) the dattaa>at; (b) age action regatred to wre the dehalt; (a} witea rice eiadanlt m»st im cured; and (d) that fellers to acre tl-e dahalt as specilled array result ha saoetertttlon of the swat aecnred by qr#s 9asnrity I>artrametat, fsrealosare by }aeHainl preeeedlag and sale of the Property. Leader sLatll termer Worm Horro~-or eaf the ciQht q rednstate after acceleration and the right tb assert In Hte tereedosasre praceedlag the nortreYisteucs of * default er clay ether defeatae of Horrewer b acceleration cad foreelosatre: If the default is net cared ad apeciiled, Leader, at its optlon, may reyaire i>ameeiiate paymatt is lbll of aQ same seared by this Slecurlty Iustrnmmt without tbrther demand cad may foreclose this 8eanrity lnstraaeent by jndldal itroeeoding. Leader sha11 6e eatitkd to esgeat all expenses iactrrred ha parrsuhsg rite remedies provided !n dais paragraph 21, tnrJnd>ag, bat not Bugetted tie, atteraays• fees and costs of title evMence to me aslant permitted by appitcable Lw. ~. >A,dease, Upoa payment of all sunoa secured by this Security Inslrpmont, this Security Instrument card We aerate coavayed shall tetmiaeto and 6eoama void. ARer auah occearreaoe, Loader shall disahargo and satfsfy this Security Instnametat w Bapaower. Boxrdwetr shall pay any recordation costs, Lender ma~yr oharge Borrower a fee for releasing this Seetaarity iaslswmmit, but Daly if tlae fee is paid to a third party for services rendered and the charging of the fan is portnitted under applioable law. ?.~. ~V'aivet:'s. Borr+awer, w the estt:rte petnnttted by applicable law, waives and roloaaes say eatmr or defects in proooadings to eaforco this Soaurity Iastratment, and hereby waives fie becafit of any present or tbpare laws providing for stay of execution, extemioa of tuna, exemption 8rom ~ levy and at-1e, and bomeatead exemption. 7A. Reiaatatteaaeat Peariod~ Boaowo>as time w a~viaastats provided is paragraph 18 shall extend w one hale prior w rho ceammetoomont of baddiag at a sheriiPa aerie or other sale pmsaaat w this Saarity haa>satmettt. 25. )rarchese Money Mortgage If any of the cbht aoeaared by this Security Instaata>eoat ~ lent to Borrower to acepaire tittle to the Property, this Seourity Instrument shall bo a puaohase money motctgaga. 26 Intlerwt Rate Alter Judgment. Borrower agrcoa that rho cataract ratio payable agar a jtadgmont is catered on the Note or is an actiaa of mortgage lbreclosvra sha11 be the rgte payable Som time w time under the Noto. 29. IRldera to this 8ecaritp Ynttrumeat: If oae or taaoro dd~s are exaeattad by Bauarovar and tacorded together with this Seatttty Instrttmon; Cite eovenaata and agreements of each each rider shell be iacagporated law and shall amend and supplemeatt rho coveraeats and agreonnents of this Secarity Inetrvment as if @te ride[(s) were a past of this S eourity lnetrurnent. [Cheek applicable boz(os)] Adjaastabla Rste Rider Condooninium Rider 1-4 Paa>e~y Rider Caaduated Payment Rider Fleeced Unit Devebpment Rid~ar $iwaolcly Payment Rider Balloon Rides Rate Uaaprovoment Rider Soeoad Homo Rider VA Rider Uthee(a) [sF~h'Y1 Wm~~ S.It~ ~lp~ ~12~ aq. s d r Feean iWe ttA9 ,~ ,~ ~ E 9 2 5 PG 2 4 0! [,oaa Not.,,^~s 13. Loan t:7-arga. Tf the loan socurad by this Secuclty Iostraanept is aubjeof ib a law wbiob sets as~aanms loan chazQos, aad that law is Hoaily iatotporoted w that We int+etaat ar other ken charger collected or w ba eollootod in ooaaoction with rho loan extend the permitted limits, thou: (a} airy auoh loan abargs shall ba ceduaad by the annottat neaasaary to roduoo rho obsrgo Lo ibo permitted Limp; amci (b) any sums already coUeetod tt~ Batxowor whieb oxoeadad permitted iimita will bo retmdod to Harrower. Lmtder may ahooae b make tills raSmd by raduaing the principal owed cedar rho Kota or by making a direct payment to Borrower. If a refund redaeea priaaipal, the reduction wilt be traatod as a per6ial prapaymaat without say prepayment charge nader~ the Note. 14. Notttses. Any ao8co to Bofxowor provided ~r in this Soeurity Insttumoat shall be given by dotivoring it of by maii3ag it by first class mail antoss tpplioabla law rcquiras ass of 8aotbor motbod. The aotioe shall be direatod to the Pt+opaty Address or any other adekess Borrower deai®orttes by notice to Lender. Hay natiae b Lander shall ba given by futt olaas aaai! to Candor's address stated heroin ar any other address Lander desig~eates by nation to Bonrowor. Any notice pravidod for is this Seeudty Iastrum~t shall be eleomad to have been grvoa to Borrower or Laneter when given as pmvidod in this paragraph. 13. Governing Law; Severabillty. This Beautify Istetivmont shall bo goveraod by fedarai law sad tbo law of the jurisdiction is wbialt rho Property it located. In the event that any provision or clause of this Security lashvmeat or rho Note caafliots with applicable law, such eot~tlict shall not affoot other praviaiona of this Seourity lnattttmatt or fire Note which can be given affeot without the aontliotiag provision. To this oad the provisieas of this Seourity lashument and the Notes are doclatod to be severable. 16. liorroaper'a Cagy. Boirowor shall bo given one eanformod.capy of the Note and of this Seaudty lnstcuman>" 17. Trtartsfer at tka Property or s Benelielal Interest in Hotxov-ar. 7f ari or say part of the Property or any iaterost in it is sold or traaaforred (or if a batroSoial intotbst in Borrower is sold or hansferred sad Harrower is not a natural parwn) without l,.endar's prior written consent, Lendor may, sx its option, caquire immcdiak payment is ~ of ail swms seoucad by this Sarnuity InarJnumant. However, this option shalt not be exercised by Lender iE ex~eisa is pmbibitrd by thderal law as of tho eiato of thin Security lnstzumoaf. if Lander exercises this option, Lander shall give Borrower notice of atszataradon. The notice shall provide a period at not less thaw 30 days from the date rho notion is dotivarod or marled within whiab Botrowor must pay alt stuns secured by this Seeutity Insfavment. if Borrower Nils to pay thaaa same prior to dro axpiratian oP this period, Leader may [evoke spy rom:<efiea pottnittad by this Beautify Iastrutuant wi8iout Sather notion or demand as Borrawor. 19. Borrower's Right to Sato. If Borrower meats rsrtain conditions, Borrower shall have rho right to have apfctcamont of this Security Instrament discontinued st any lime prior w the wrdier of; (a) S days (ar such other period as applicable law may apoeitgl foar reipetatatnant) ba>bca sale of the Property punnrtnt to say power of sob contaiapi in this Socurity lnshumor-t; or (b) antsy of a judgment aaforaing Ibis Security Inshumeat. Those bona are that 13ofr~owor. (s}pays Leerier ai! sums which then would bs due under'this Security Inatnunont and the rote as if ao aoeelatationhad octaared; (b) onrea say dof?ault of ~Y older covenants or agreamants; (c} pays all eacpenses iaottaod in anforoing this Security Iaatrnmoat, including, but sot timitul to, reaaonabie attomags' fens; and (ei} takes such nation, as Lender may resaesaably raquiro tQ assure that rho lien of this Saouudty Instcumnut, l,opdac'a rights is rho Proporty and Borrower's obltgatioa to gay the sums secured by this Security Inidhamept shall continua onohaggad Upon raiaepitemant by 13or<ower, this Beautify Instntnneat sad the obligattoas secured hereby shall rcmaar fltily allbctivo es if no accoleration bad ocoutrad. However, this rigi-t to reiaemta shalt not apply m the oaso of aacaloration under paragraph 17. 19. Stare of Note, G'hange of Lanni 3erKCer. The Nola or a partial intareat in the Note (togathet with this Security Ineflvmaut} may ba sold one or more times without prior notice tp Borrower. A Sala may reautt in s chaaige is the entity (kaawn as the °Loen Sarvicer" j that ex>lleata asouthl3r peymeNs slue nttdac the Moto tad this Somrrity tastrtmnent. Tbaa also maybe one or more ebangos of the Loan Servicer unrelated to a sale of the Noto. If theta is a chaago of the Loan Servioar, Borrower will ba given written no4iee of the e>Ztaruge in aococdancowfth paragraph 14 altovo and sppliesltte law. Thor nortba will slats the aemo and address of the now Loan Sorvicer and the address to which payments should be made, The aotieo will atao oontaia any other infixmataioa required by appfletabb law. 20. Haz~trdans Subahnces. Borrower shalt not eauaa ex permit rho presence. use, dtapostt, storages, eu salesae of any Hazardous Su>>atau:oas on sac is the Property. Borrower ahatl not do, nor allow say~c etao to do, anything aQoadng die Property that is in violation of say 8o~vlronmantal Law, The procodigg i9vo aatttanoaa shall net tpltty to the panaaaca, use, ar storage on the Property of anudl elutntitiaa of NazaNaus Subsgnoas drat sra gaaeraity recogaizod to bo appropriate to uoemel residential uaos and to azainteaanee of fha Property. ~• ~Al wo{z~ Pp~ 6 d 7 roPSSrotPC ~ ~ 7 2 ~ ~~ 2 ~.~ ~ Loam No.~MD stw Aay amounts d~isursed by Leader naelor this paragraph 7 shall become sdelitioaal debt of Barrowcs socaied by @us Security Inettrutaont. Unless Borrower and !,,ender agree 4a other temps of payment, these amcnmmis aria![ bear interest Boom the date of dieboraeeneatt at the 1Wsta rate and shall be payable, with interest, upon aotico from Landau m Borrower squatting t. ~yf°S~Martgtega rissarssree. If Lauder required mortgsgo iasuranco ss a condition of making the loan aeeerad by this Soourity ln;shttment; Bexmwee abet! pay the prmmiums required to avdntsin the mortgage insucaace in affect. If, far say meson, the ,mortgage inseuanco covoraga regttirod by Confine lapses ar ceaaas to be in affect, Barrowor shall 1>xY ~ P to obtain coverage anbstantially agtrivaleat to the mextgago inauraaeo pravionaly in affect, at a cost substantlaltyy aquivsleat w the cost to Borrower of the mortgage inouraeae previously in affect, tree an alterarta mextgaga itast>:er' approv!od by Lender. Yf substantially expivalemt mortgage ipsuranae cervorage is not available, Barrrrvvar shall gay to Lander arch month a sum equal to one-twelfth of Ste yeasty mortgage tasursaca gr~orttium being paid by >w~ when the insaranca coversaga lapaod, or eoaaod tea be is affect, !.ender wr71 accept, use and retain these paymanta as a loss roeert-8 in lieu of o in~puasue. Loea rasacve payments tray so !eager ba requtrad, at the option of Lender, if arortgaga insurance coverage (~ amount and for rho pariod that Lander xacNiras) provided by as insurer approved by Leasdar again becomes available and is obtained. Borrower shall pay the prxmiuaoa roqu3rad to maintain mortgage insuraneo is effect, or to provlela s lose reserve, wide the requirement far mortgage insurance ands in sewordaaee with say wriitea agreemnat between Baaower sad Lender or agplioabia law. 9. Inspietlon. Lender or its agent may make reasonable antrkes upon sad iuspootions of rho Propecty, Landon shell give Borrower ne>7ioe st the time of or prior to an iaspeotion specifying reasonable cause Ron rho inspection. 10. Cardamnation. The proeeeda of air award ar claim for elaatages, direct or e:onesaquontiak, in conaeeitiaur with any condamnatioa or other taking of arty part of rho Property, or far eonveyance in lieu of candemnatioa, era hereby assigned and -shell be paid to Lendac Ia the event of a total rating of the Property, the proceeds shall ba applied to the soma seearad try this Security hcsnttment, whether or not than duo, with auy excess paid to Borrower. In the event of a patdal taking of the Property in which ~ thin marltat value of the Property irnmedtatolybofore the tsldng la ages! to or grater than the etaottnt of the sums speared by this Seeurlty Instrument icomediatolybefora rho taking, unlosa Bemrower sad Lender otherwise agree in writkag, thn sums secured by this Security jnsixttcaent shall bo redaced by the amount of the proceeds multiplied by fire foilawing fractiorx (a) rho fatal amount of the sums secured immediately batbre the taking, dtvidod by (b) rho fiir atsrkat value of the Property immediately be>foro the taking. Any balaaaa shall ba paid to Borrower. ]n d-e event of a partial talang of fire i+roparty la which the fair market value of the Property immadiatelybaforo the is !sass then the amasat of the sums soataod immediately before 180 taking, unless Bornawer and. Lender otharwlsa agree in writing ar unlaea epplieseble law otherwise provides, the proaoeds shat! ba applied to the same aeoured by thin Security htsGnemont whether ex not the sums are than duo. If rhea Property is abaesdonod by Boao~vat, mr if, at3or nottoe by Lander m Borrower that the condemnor offers to make su award or settle a claim ibr damages, Boaower hula to rospaad tD Leudar wlthia 30 days alter the date Nre notice is given, Lander is authorized to eolleot sad apply fhe ~ot:eeda, a its option, either to restmgtion or repair of the Pre~arty or to the sums aexured by this Security Inetrwoaant, whothar or not rhea due. hcatkon of cads to shall not efxtend ar Unless Leadn and Harrower ~ apron in writing, n-Y sgP ~ l~ lg~ gostpana the dun date of rho moatlely payments ro[orrad to ka peragrsghs T sad 2 or chaago the amount. of such psynuenta. 11. Borrower Nat Igesleassed; l+orbeararta $Y L,nder Not a Walnr. 'i~adansiou of the time fbr payment or nwdification of emordzatieut of the suns saesaod by finis Security inshnrment granted by Loader to any suceeasor is interest of Bazrower shall not operate to release iho liability of lire original Borrower or Borrower's successors in interest. Lander aria!! not bo required to comaaesiea proceedings against nay stwcasor in interest ex relines W enctend time for payment or otherwise motlifjr amordzatioa of the sums secured by t8is Security Ittsltetmeat by reason of any demand made by the original Hosrower or Borrower's auceasrors in internat. Any forbearsnex by Landoc is exareieiag nay fight or comedy sba11 not ba a waiver of or pQaelteda We oxereise of soq- right e>r remedy. iZ. &neeessars arts Asslkpu Heard; Joint surd Several LlabBlty; +Cersigxers. The oovcnants sad agreements of this Seeurlty riratrtaae~ot shall bind and besteflt the euccesaora and asaigas of Condor and Borrower, subject to the proviaioas of paragraph 17. Boaowes'a cavanaata sad agreaaranfs ahaq be joint sad seveersL Auy Bon'owaac who cosigns this Security Iastntmant but Baas not eseeseuto rho Nora: {a) is e:o-sig~sing this Sexatrity Irurdntmeent Daly to meutgaga, gnat sad convoy chat Beaowest's interest in the Property under the fauna of this Security lnsictnneat; (b} is not ptusonaily obligated to pay the earns seeured.by 8ris Seaaity hostramen~ and (c) agraees that Letndor sad any other Borrawnr may agree 14 orttend, modify, tEorbear or make nay accommodstiems with regard t4 the tartns of this Security Instrument ex the Note without drat Bomtwos's eemsont . rAe.4ofY Wa~~ !190 t~•ett(t•~-1 tee12t Loan No,~ ~µ~°,>t~25.P62~03 'COC,ETHF3R WITH al[ the intprovemar»a now ar hotoaftor greeted oa Uro propectY, and all aasemants, appmtortanoes, and Sxluras now or hareaRa' a part of the property. All mplaca~uaoats and additlona shall also be wvorul by this Sacruity Instrument, All of the fora n fa raferred to in d~u Security Innnunont as tl-e "~ ~auty." BORROWER GO S Wet Bo[rowor is lawddly Seised of the estate y coavriyed and has tlra right to mortgage, grant and aoavay ilea Property and that the Property is ua~cumbared, except ~ aac+unbsancea oT raaord. Boaowar warrants and will sbBeod genarelly the title to the Property against all elairas sad demands, anbjoat to any enaunabreneea of record. TEES SBC[lRl'1'Y II~9TRUNIBN'f combines uniform covonaats 6or aationat tisa and rem-uniform covcnaata with litnitad variations by jurisdiction to conatltata a uniform soiwrlty iaetrumout eovedyg coal properly. UNIFORM COVI3NANTS. Boaowor and Lander eavonaat smLditb~Gb~~ Borrower shall a whoa due the i. Payment of Prindpal sad Entered; Prepayment ~m PaOmPdY P Y princ[pal of and intArast ar- the debt ovidaaced by rho Note sad any ~epayme~ and late charges due under the Nota. t. Farads Tor Truces and InssrmcE. Subj~t to applieablo law or to s warren waiver by Loader, Elorrowor ahrll Pay to Loader on the day moody payments ace due wader the Note, unh7 the Note is paid is lWl, a sour ("1Funda'~ far: {a.} adp texas and assessmortts which may attain priority over this Security tustrttment as a lies on the Property; (b) yearly laaeohold payateats or ground rents on the Property. if any; {c) yearly hazard or property ixtsurance pceminms; (d) yearly flood insuraaea pr®iwas, if any; (a) yearly mortg~e insutruaca premiums, if mY ~ (~ ~Y a~ma Pape by Borrower to Lender, in accardanoe wig the provisions of paragraph 8, iu lieu of the payment of mortgage insurance prcniums. These items ers called "Escrow Items." Leader may, at any time, cdloct and hold Funds is an amount sot to exceed the maximum amount a [ardor for a fuiotaily rahttod mortgage lows may require far $orrovaor': oseroav account trader the fedaral Real Estate Settlement Frooeduroa Act of 1974 as amended fi+oaa tiwe to flare, 12 U.S.C. Bectlon 2601 at .re4. ("RESPA~'7, unless another law that applies to the Fonda sofa a lessor amomt. If ao, Yandar may, at any time, caUect sad hold Finds in as amount not to oxooad the leaser amount, Lendrx may oatimata the amount of Fttnds duo oa rho basis of etarent data and raasonabla estimates of expandipaea of fuhire Escrow Items or otharwiso in aecordaace with applicable law. . The Funds shall bo held in as inatltutian whaso deposits are iasurad by a federal agency, mshnumeataLty, ar entity (including Lender, if bonder is atrah ea institution} or in any Federal How Loan Bank Lendac shall apply the Funds to pay the Escrow Items. Lander may rot charge Borrower for hold'mg and applylt:s the Fvn~da, annually ataelyxing the escrow aaeouat, or verifying the Escrow Items, unless Yonder pays Borrower iatetest as the Funds sad appliesble law penaits Lander to make such a charge. Iiowovor, I~andor may tegaira Borrower to pay a otse-time ahargo Mr an iadapaadaat coal estate tax reporting aarviae used by Loader is oomraetion with this loan, u~nlas: applicable law provides otherwise. Unless sa agreement is made or appliasble law ratluiras i+rtcrest to bo paid, Lamer shell oat bo t+oquired W pay Bonrowar any iatarest or earnings on rho Funds. Borrower and Loader may agree is writing, however, Ihat lnterast aha11 be paid cm rho Furada. I.,oader shall give to Borrower; without charge, en sanual accatuding of 11re Funds, showing credits sad debits to rho E~mds and rho purpose for which each debit fA the Ittmda was mode. The fiords are pledged as additicmal socucity for' all evens Secured by this Sectulty Instrument. If rho Furxis heW by Loaader oxeoed rho ataouats paroittad to ba held by oppHcab[a law, Loadee shall aoeouat W Borrower far the exeosa E~tds in accordance with the ~ of applicable law. If iht amearat of rite I~rads held by Lender at any limo is sot sttfBiciant tD pay rho Escrow Rama when duo, Lender nosy so notify Botrmwar ire writing, and, is :uch case Bo~uowar shall pay b Candor the amount necessary to malre aP the daiitcieacy. Borrower shall slake up the do5oiency is no more rhea twatva moatbly payments, at Leadefs aoEe disaratlon. Upon payment in iirll of all sums secured by thisSecurity htstinmont, Condos' shall promptly reilmd to Borrower any Fnada bald by I.eoder. I>~ wades paragraph 21, Loodar shall aequire or sell the Propeyrty, Loader, Prior to the acq~risitton or solo of the Property, shall apply say fiwda hold by Lvada at the lima of aaquiaition or sale ae a credit against the soma sscttred by this 9oaurity Iseirtrmont. 3. AppHaatlass oT E!ayraenh. Uaiasa applioablo law provides o>harwise, all payments received by Corder tmdor paragraphs 1 and 2 shall be applied: Brat, to any prepayment cdtar8os due under the Note; eaoond, to amotmta payable uadoz psrirgraph 2; third, W iateroat duo: foiuth, to prlacipal ~ and task to any late e3 duo order rho Note. 4. Charges; Lteas. Borrower shall pay all taxes, assastasntr~o~gos, Shea sad impaaitions atiYibutablo to the Property which may attain. paiozicy over this Security Iastrvm~st, sad leasehold payments or gc+o>Btd tents, if any. Bormwar Shall pay thaw obligations is rho mamtor provided in paaagraph 2, or ig eat paid in that manor, Borower shat[ pay them as time diroctly to the parser owed payntont. Borrower shall promptly fVunish to Lander all aotieaa of amounts 14 bo paid under this paragraph. if Borrower makes thaea payments directly, Borrower shall promptly lbrnish to I.ondar raeipts svidonciag We payments. .S' ~/ ~nw, ~~It(P/-1 t~Z) P•a~ x ~ t tries fuse tort ~. 9.2 5~ ~6 2~~ ~~ ~ Lean xo. ~~~~ Borrower shall promptly discharge say lien which has priority over thi8 Seeta3ty hutrument ualcss Borrower: (a) agtnaa a° writing b the payment of the obligation secarad by the lion in a matmec eooeptabio tp Laad+er, (b) oaroeats is good ieith the lien by, ~ defends against ottforcement of the lien b, legal procoediags ~vhioh in fha Londar's opinion operate to provost the onforeetnont of the liar,; or (c) sectaea flvm the border of o lion an agreement satla~otory to Lattdor subardiaadng rite Had to this Security lnsttumetdt. IP L,oudor detaaui~ea that say part of #ho Property is subjoet to a Hen which may attain priority over taus Security h~stntmetat, Lender may give Horrowar a notica~ideatifyiog the ilea Bomower akaH satisfy the lies ar tuba one or ,sore of the actions set forth shave within 14 days of fho giving of notice. 3. Hazard ar Property lnaorance. Borrower shall keep ~ imp~roveaaonts sow exiatio$ ar horoafter erected on flu Pmporty inetacd against lose by fire, hazards iaofided wit>sia do toms "wctanded coverage" Budd anp other hasarda, including goods a flooding, ftsr which Lender rogaired insttranca. Thin inaucaaoa shall be maintained in the amounts and for the periods that Lander requires. 'The insurac~ce carrier providir4B the ieAtuanee shall bo chosen by Horrowca subjeet to L~dor's approval which shall not be wueasortably withheld. I! Burrower fails b mauatain revenge doscrlbed above, Lender may, at Loader's option, obtain vvtrarage to protect Leader's rights is the Proltecty in accordance with paragraph 7. Ali iaauranao poHoios sad coaowala shall bo acaoptable b Lender and shall include a standard mortgage clause. Leadar shall have rho right b hold the poi{rice end renewals. H Lendar roquiros, Borrower shall promptly give to Candor sU rcctdpts of paid premiums sad renewal notices. In ride truest oP lose; Sorrowar aha11 give pmmpt notice ao the insurattco carrier and Lender. Lender may make Proof of ]pas ~' not made promptly by Borrower, Unless Lender and Bonowar otherwise agcea is wdtiag, insurance proceeds shall ba applied to restoration a repair of the pxopariy damaged, if the restoration oar repair is ooonatnieaHyfeeaibleend Lender's soc+aity creedal airail be ~ Hod stuns repair is not ocoaoimioaHy fesaibk ar Landet'a security would ba lessened, the inaursaco pr app secured by this Security Iostcameat, whether ar not thou duo, with say axeeas paid b Barrawer. If Horrowar abaodona the Property, or dose not answer within 3U days a aotioe from Lender that the instuanoe carder has offmred to sattl~ ~ iaim, Lender may collect the ipstuswoa proceeds. Candor may use the pmeoeda to repair or restore the Propotty P Y sec~uad by this Security Instrument, whethar or not then due. The 31)-day period will begin whoa the notice is given. Ualees :Candor sad Borrower otherwise agree in writing, any application of praceeda to principal shall nut. tsxtcnd or pastpona the due date of the monthly papmeats rofmxed to in paragraphs 1 sad 2 or change the amantnt of the payments. If uruiex paragraph Zl the Property is acquired by Loader, Horrowor's right to any insurance polieies sad pcaeeada reanlting $om damage to the Pmporty prier to the acquisition shall peas to Lender to the extant of the sums sooducd by @tis Security Instrument immulistety prior to the acquisition. 6. Oceupaaty, iCceasrvatlan, Maintenttttes sad Protection of the 1'ropsrtY; Borrower's Lose Application; . Leaseholds. Borrower shall creepy, establish, sad use tin Property as Horrower'a prineipal roaidtttteo within sixty days after the oxe~aution of this Seetuity Ynatntmoat sad shall ooatlmde w ooenpy the Property as Borrower's principal raasdmuee for at least one year a8er the date of ocrnrpanay, tnless Lender otherwise agtoas b wnUieg, which coasont shall not ba utuesaoaebly withhold, or unless extenuating circamataaces exist which ere beyond Horrowor's oontro6 Borrower shall net destroy, damage ar fide property, allow fhe Property to deteriorate, or commit waste en the Property. Borrower shall be is default if any forfeiture aotioa or proceeding, whether civil or criminal, is begun that is LendAr'a goad faith judgment ooald result to forfeituro of the property or otherwise matorialty im~ir rite lion eroatod by this Security Inst:amaat or Lendar'a security interest. Harrower may Ducts such a default and reinstate, as piavided in pora®taph 18, by causing the action or pr+xeeding to bo dismissed with a Wiling that, in Lender's good this tlotaamhwti~, P~ ~e~ of the Barrawec's interest in the property or other material impairment of the lien areated by thin Security Insfrtment or Land~a security interest. Bomowor shall also be in default if Borrower, dieing the loan appHaetiosi process, gave motaially false or bdarxurato ittibtmefian or ataumeata ao Condor (ar failed to provide Lander witL atry cnstsrial infttrndation) is cannoction whh the loss evidenaod by the Nato, including, but not Hmitcd to, ropx,esonlaiioms coneernhdg Borrower's ocxnpanoy- of the Property as a principal reaideace. Tf this Sotauity Instrtmxatt is as a lea:ahold, Botzowor shall oondply with all the provisions of the lease. If Borrower acquires ftx title b the Property, the 1 easehoM sad the fee title shall not meage unless Leader agrees b the surge, is irriltng 7. Protsotlwa ni Iwrtder'o REAM bn t>u Prsterl~-. If 13~owas fans to porporua efie covenants sad agreamaets aru-tsiaod in this 5actaity lnattutnent, ar there is a legal praaeading that may aigsillaxntly a>iect Landau rights in @de Property .(such ass _ proceeding in bealarnptay, Probate, for condemnation or farfeiWro ar b aefosae larva or regulations), then Loader may do and pay for whatavsr is necessary to protest file value of the Ptoporty and Laadata rights in the Property. L,vnder`s ~ PaYbg include paying say sums secured by a 1iea which has priority over this Soaarity Inatrnment, appearing reasonable attorneys' fees and catering oa the Property b make rapaira..Althongh Lender may take action undtrr this paragraph ~, Candor does not have b dQ ea. . ~ e/L~ . ~~p,~ ts+r- no. a or ~ arse m~~~~ ! 9 2 5-PG 2 4 0~~ Low Ne. BY SiG1~iINCI NBLOW, $o~ovver aoaepts and agrtes to tba terms and aovenants cantainod in this Security Tuskvment and ~ eu}I rider(s) eX801liEd by Hormwer ead reoordcd with it. wltneBdeB: {~~ MAt MUS AFiC •~~'~ ~1~ D (seen SfiNA MUSTAFIC ~Bonowrr _ (Seat) ~~) Eaanwat -Bo~wa CerdflaAte of Residence I, , do bareby aertify that the corrcct addross of the within-named Mortgagee is 1400 S. DOUGY.ASS 1tU•, SU13'E 100 ANAt~II-~ CA 92806 Witness my bend this day of ~~.._,~ n,ga~t of Moro~ee COMMON'WF.AL'Fl~ OF PENNB~Ii.'V'A1~A, Ct1MBE1tLAND Coantq a: Un this, the ,3 4 El.,d~~yyay of .ly~~r~ d~ US's , before me, We uades:igned off'icar, par~nal[y ssypcared ~ i ti^ S a d r' I t1S ] ~ ~ I C' • "} •,~ enw ~uS ~A STr ~ G lmown tome (or y pmv~) to be the person ~ whose names a^'a'' subaaribed fv the within instr~eot and acknowledged that executed the acme for tho purposes herein amtainod. Ild WI721ESS ViIHFRPAI?, I hereunto set my bend and ogioisl seal. My Commisaiari Expires: NWE Liti UE: viiNNSYi.~A Nolarfai Seal. Mary M. Price, Notary Puolla Cartlale Bono, Gurnberland Coun MyCoramissbn ExpirasAup.10, 2607 ia{ember. PemavNeroa Asaoclalfon d hlalerkt (~~IIIP~ coe~~ t~ t~ff cc Pps r mr~-rioMOaioilr+~'.~~.~:Z~~ ~tt ~ ~ U V Lean Nr. ~ FIXED/AI~JUSTAB~E RATE RIDER (L1RUR l~sdex -flats Cape) '1'FRS FIXSDlAD7USTABLB 1tAT8 RIDBR is made on thin 30th day of ~b0n°b°r Deod of 2005 ,and is incoq~oratod into ~d shall ~ doomed to amend and sapplemoat the Mega Trust or Security Daed (the "Security Inatrttmoat") of the same deco given by the undaaigned (ffia "Harrower") to saoura Borrower`s Fixed/Ad;Hatable Rata Note (the "Moto") to LONG BEACS M~RTGAGF COMPANY (the"Lender") of the same data and covering the Property described in the Security lnatrument and loaatcd et; 152 W MIDDL1~31&X DRIVE CARLI~LIt:, F'A 17013 i~~ l THE NOTE pROVID~ FOR A trHANGE IN THE BORROWER'8 <:D(ED iNTERES7 RATE ANQ TO AN ACI.fU97ABLE INTEREBT RATE. 7WE NOTE LiMIT8 TWE A1Y1CtJNT THE BORROWE[t'8 ApJUBTABl.E RATE CAN CtIANGE AT ANY ONE 71ME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In add[tion to ffia covenants and agreements uuado in ffio Seouu~iry Iuatrumeunt, Harrower earl Candor flcrther covenant and agree as follows; A. ADJZ33TA$LE RATE AND MUNTIII,Y PAYMENT CHANGES Tha Nato provides for an idtiai faced interest ra+o of ?,97'5 °rb. The Note slsa provides for a change in the initial ~iacad rata to an adjustable internal rate, as follows: 1. pDdYlSTABLE INTEREST RATE AND MONTHLY PAYM>$NT CHANGES (a) C1ian0o DaEes The in{tiatl f aed interest rate wdl ohaage to as adjustable interest rata oa the Brst day of Octoher , 2007 ,and on the brat day of the .month ovary 6ffi month ffiracoa8ar. Each data on which the ac~ustable interest Cato could ohanga is called a "Change Date." (b) The Index gaglnniag with the first Cbanga Date, the interest rata will ba based osc an Iadox. The "Ladeae" to the average of the London itrtatbaalc offered rates for six mastth dollar deposits is the London market based on quotations at five me,)or banks ("LIBOR"j, ss sef forth is the "MouuoY Rates" saaton of The Wall Stneer Jownral, or if the Money Rstas seatiert eoasas to ba published or baeomas uaavailabla for any resaac, then es $ot #bath in s comparable publicatiaa selected by the Lander. The most chant Indez figure avai7abla as of the data 4S days before each Change Date is called Wa "CWZeat Index " PMnsytvanlM F{xptlAt~u~ta6le Rob RW~r - Ubor ~414034a (~2) +,~oaes~ tosrr~oaa! ac P~y~ 1 d 3 6LECiRONh: LWHR Fag4ia,.1N0. • (160P9T'0616 !`92~~PG2~D7 Loan Nam ..~ (e) Cadcdatien o[ tawnges Before each Mange Dato, the Lender will caloulate my now int~ost rata by adding ° } Fwr sad Ntneiy Nlue Sundreddu poroantage point(s) ( 4.990 /o to the Curroot Indox. The Candor wdl then cmrorood the roault of this addltioa to the nearest ono-eighth of ono peacontaga point (0.125%}. 9ubjeotta rho limit: statod in Section 1(d) on the following page, this ratnded amotmt wlll bo the now interest rata unlit rho next ChauBo Date. The Lender will than detocmiao the aaaount of tlao monthly payment that would be sufficient to repay the unpaid prnncipal balance as of tho Cbango Date in fblf an rho Maturity Hate at the now :interest rata in substantially oqual payments. The result of this caloulatica wilt be the new monthly paymantr (d) T11~b on Interest Rate Changes Tho interost rats at the itcat C~snge Dante will not ba greator thaw 9.975 % nr 1 ess them 7.975 %. 'Theroafbar, the adjustable interest cafe will navar be increased or doereased an any single Mango Data by Moro tbaa One parcantago points ( 1.000 %} from the aato of imtetoat applicable during rho preceding 6 months. The adjustable iutorast rata will nevax be greater than 13.975 %, which is called the "tVlaxim~ hate" or less than 7.975 % which is called tho "Minimum Kato". (e) SRectiwe pate of Changes Bach now a~jvatablc intaroat rate wilt become affecdvo on each t;hange Data. The amount of oaoh now monthly payment will be duo ancf payable on rho drat monthly paymacrt date after the t~amge Date until the amount of the atoMhly payment changes again. (f) Notice or Changes The Candor will Bolivar or mail a notice of say changes in the asijbstabla interest isle and the amount of the sew monthly payment to the 13orrowar before the effective date of say ohaga. The notice will inoluda information coquired by law to be given to the I~orrowor and also the title and telephone number of a person who wilt answer any yuoatioc-s regarding the notice. B. 'I"RAI~T3FEYt 4F Tf3E PA1dPIItTY OR A $ENEFICIAI. INTERI~'i' IPi 13t]1ltRO~VIIt i. Usti[ Borrower`s initial fixZd interoat taro changes to an adjustable interest rata under the tesima atatwl is Sectiwi A above, Umifo~ Covenant l7 of.ihe 3oeurity InsWutont psevides as #bltows: Tramder of rho Property or a l3ene6eW Interest in )iorower. If all or air part of the Property oc any interest im it is sold or tranafacrad (or if a beneficial intataat in Bontower is sold or tiansfoaed and Borrower i0 not a natural person) viritisatt I.aade~'a prior written oonaent, Condor may, at its opdon, regttira immediate paymentin ful! of all scorns socurad by this 5eourity Imstrunaent. However, thin option shall not bo eaereiaed by Lander if exercise is prohibited by federal law as of rho data of thin Security Inaflmmam. If I.andar oxeroiava this option, Lander shall give Bo,rmwor Hosea of acceleration. The notice shalt provide a period of not less than 30 days fmra rho date rho nodco is ~liverad or mailed within which 13osxowor moat pay all pannsyWank FtxsdfAdluatat,b Rats RWsr • Lttwr ~t~0~1~92 t~l P.v° z d a .. 4,.wsan~wrc°oo)pc 6ontt NO. ~-1: ~'~ SSG 2 ~ Q~8 sums secured by this Seourlty Iushuinant. if Bostower fads W pay dteao scans Prior to tho expiration of this parlod, Gander may invoke any rornedias pdQnittod by this Security Instrument wlthaut ftuther notice or demand on Borrower. 2. Wren Borrower's initial fixed interest rata oranges to as adjumtsbla interestt rato under the farms atatod in Section A above, Uniform Covonaat 17 of the Security instzumont contained in Saotioa B(1) above shall ~~ cease to be in effaat, and Uniform Covenant 17 of t8a Security instsumont shall bo ansaxlod to road as follows: Transfer of the property or a llaxaeftcial Intersst in Borrsr-er. If ell or any part of the Propetty or coy interest in it is sold or trsaQStbrred (or if a benefloial iuterast in Boaawar fa sold or transferred and Borrower is net a natur~sl pocson) without Lender's prior written eoaaerd, Cendar may, at its option, require imraodiate paynumt in till! of all auras scoured by this Saourity Instr~t. FIc~wevar, this option shall not be axea:oisad by Leader if exercise is prolaibitad by federal law as of the date of this Security Inshvment. Lander also shall not exercise this option it: (aa Borrows causes to be submitted to Candor infoxmstion troquirad by Candor tQ ovaluata the intended transferee as if a sew laau wexa being made tD the traoaferea; and (b} Candor reasonably deterimimes that T.andat's security vn71 not bo inapa~red by the loan aastttnption and that the risk of a breach of any covenantor agreement in this 3acurity Instrument is accoptabla w Candor. To tra extent pormittsd by applicable law, Candor nsay charge a reasonably fee as a eondetion to Landat's corssant w the loan sssamption. Cendar also may require the hsaaferee to sign an assumption agreement that is acceptable to Gender sad that obligates the tranat6roe to kaop all the promises sud agreements made in tba Note and in this Saaucity Instrument. Borrower will aoatinue bo be obligated under the Notc and Sorority lnabcumant wiles Gender releases Borrower in writing. If Leader exercises the option to require immadiata payment in Hill, I,eadsm wall give Borrower notice of accolaration. The notice shall provide a period of not lass than 30 days from tra data the notice is delivered or mailed within which Borrower naval pap all same aecurad by this Soonrity Instrument. If Borrower fails to pay trese sums prior to the expiration of this period, Condor may invoke any remedies peraaitied by this Sacxuity lnstrumont without farther nation or dar~ad oa Borrower. BY SIC3NINO BELOW, Borrower accepW and Fixod/Acijus~ta/bl_a ftato Rider,./ ~° (Sean IVmt3An MU AFIC ~~ agrees to the terms and covenants contained In this -(Baal) .Bamsewc c~l~~Y~9 ~---~- (Scan 9ENA MI73TAFIC •Bo:mwer [sign ~~ ~Y] P~nsylYrnta FhwdlAdlust~ Rst~ RIdM - 61bor ~411oas8 comz- Pro. 3 a ~ ~. 41162!82 {08~G711000) PC, (Seal) -Boomwer Lostn No.~ -~~~ 9~25.~G ~ ~ ~#~ ...._ ._.,..,...w...._ ...... «... _. ..»..., ...~._.. E7iCHIBTT A ALL THAT C8RTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commoztwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BECr1NMNG at a pin on the southem lido of Narth Middlesex Drive {now known as Wcst Middlesex Drive) {T~99) at the dividing line bctwoen Lots. Nos. l aad 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lota Nos. l and 2, South 17 degrees West, a distance of 17~ feet to a pin.at the Iine of lands of Rath A. Clemson; thcnce along said lute of lands of Ruth A. Clemson,.North 1;2 dcgt~ 42 minutes 20 seconds West, a distance of l00 feet to a pin at the dividing line between Lots Nos. 2 end 3 es shown on the hezcinaftor mentioncd Plan of Lots; thoace along said dividing line between Lots Nos. 2 and 3, North 17 degroes Bast, a distance of 17S fea# to a pin an the southern sidc of North Middlesex Drive (now known as West Middlesex Drive) {T-499) first mentioned above; th~ce along said southern aide of North Middlesex Drive {now known as West Middlesex Drive) {T-499), South 82 degrees 42 u~inutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Tots Nos. l and 2 as Shawn on the hereinafter mentioned Plan of Lots, the point and place of BEG~IING. BEING Lot No. 2 as shown on the Subdivision Plan of Property far Ruth Cle+nson as prepared by Ernest J. Walker, Professional Bngineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cwttbee,rland County, Pennsylvania, in Plan Book 23, Page 109. HEING the same prainises which Darrell F. Sunday and: Linda M. Sunday, husband and wife, by their deed dated January 17, 1997, and recot~ded in Cumberland County, Pennsylvania Deed Book 152, Page 397, granted and conveyed unto Becky S. Kuhn, single woman, (3raMor herein. i Certify this to be recorded Tn Curnbcrland County PA ~~ - . ~ ~'' Recorder of Deeds Return Address= Waslr~nt~ton Mutual Bank. Office of the Corporate Secretesy x,301 2nd Ave WMC350i __ Seattle, AA 98101 20~8~.mm30m0790 p~-001 OF 003 KIttL3COtlHTY 13uA1 r~r~tl17'f T1L'D~C l~~vnr ~'}i PI t !R('1V 65 (Ml Plcascprinter iaformitlaa \'Y1iJIYllVlskV1`r J1xi~:. j•,1••••~••""- - -- Document Title) (or transactions oontasncd thctrin): (all areas e{rpi'rcablc to yourdocumcnt mutt be filled in) Affidavit o the Federal Deposit 1. Insurance ('orporation -2 ------ - -- 4 - ---- Referexe I`•`.LrFVer(sl of l:?xuses+~ ass!~n~ Or relea::ed. Additional referenec #'s on page of document __ Grsator(s} Exactly as name(s) appear on doauneut formerl knakn Washia~ton Mutual Sank, Y 1. a4 wa~ni~g;on Mutual Bank FA - Federal Deposit Insurance , 2. Co oration -~ ----- Addiilonal names on page ofdocumcnt _____ Grantees) Exactly as name(s) appear orr document ~ JPP4organ Chase Ban1^, 1Sationel Assac~ation _________ ___ 2 ~ --- _ Additional names on page of document ___.____ Legal description (abbreviated: ie_ lot, block, plat or section, township, range) Additional legal is on page of documrnt Assessor s Property Tax ParceVAt;count Natnber ^ Assessor Tax ~ not yet ~$A~ __ _ _ _ __ _ "I~c Auartorf~iecordet will rely oa the iaTarnst~.os: p:rnlded ~? thu fo"n- Tfie stai'f wil(not rrzd the document to vat thcs orcom cfeiress o><the indcxin informaiioa vided ftcreiti. _ "1 am aigaing blow end paying att additional $50 recording fee (aa provided is RCFY 3fi.I8.010 any referred to as an emergency nonstfndard document, because this document does rtoi meet margin ar'.{ formatting requirrmeata. Furthermore, I hereby understand that the recordiag process may cover up or otherwise obscure some part of fhe text of the °rigiaal document as a resuU of thrs rcgnest° Sigt?aiure of~equesting Partx Note to 6abm"rticr. Do not sign above nor pay additional S50 fee if tlic document meets marginlformseting rcgaircmcau~ Recording Requested By and Vtrhen Recorded Mail to: Cdashington Mutual Bank Of£ice of the Corporate Secretary I30I 2nd Ave., WMC350I Seattle, ~dA 98141 Space Above for Recording Information AFFIDAVIT OR THE FEDERAL DEPOSIT' INSURANCE CORPORATION I, Robert C. Schoppe, having been frst duly sworn- hereby make this Afftdaui? and say That: I . Tam an authorized representative of the Federal Deposit Lr~urance Corporation, an agency of the United States government (the "FDIC"). 2_ On September 25, 2008, ViTashington Mutual Bank. forrneriy known as Washington Mutual Bank, FA ("Washington Mutual"), was closed by the Office of Thrift Supervision and the FDIC was named retieiver_ 3_ As authorized by Section 1 1(d)(2)(G)C7CII) of the Federal Depos?t Insurance Act, 12 U_S_C § 1821(d)(2)(G)(i)(II), the FDIC, ~ receiver of V,jashington Muh~a1, may transfer any asset or liability of Washngton Mutual without any approval, assiQnrnent, or cansent with respect to such transfer- 4_ Pursuant to the terms and conditions of a Purchase and Assumption Agreement between the FDIC as receiver of Washington Mutual and JI'Morgan Chase Bank, National Association ("1PMargan Chase', dated September 25, 2008 (the "Purchase a::u Assumption Agreement'), JPMorgan Chase acquired certain of the assets, including all loans and all ]oan commitments, of Washington Mutual. 5.._ As a result, on September 25, 2008, JPMargan Cltase became the owner of the ------ loans and loan commitmen/t~s of Washington Mutes] by opu~t.ioa o law. Executed fhy~ ~N' ~;• "f C`c~be:, 20^.8 iE ~e~:le, ICir~ Cosy, r%ashinK~o;_ B. P t _ ert oppe l~s~e-i~_ ice-Char-fie for FDIC ~ ____ _-_ - Receiver of Washington Nlntual Bank Docss~~ 867<s.~t NOTARY'S P.~~OV~rI.EDGMENT STATE OF WASHINGTON ~ SS. COUNTY OF KII~]G 1 I certify that I know or have satisfactory evidence that Robert C- Schoppe is the ~p~ who appeared before rue, and said person aclmotivledged that he signed this try execute tie instrument and instrurnern, en oatlista~e-~i teal fle-~s aurhariz~d sit Insl.uance Corporation, acknowledged it as the Receiver In Charge of the Federal Depo act of such art for as Receiver of Washington Mutual Bank to be the frees and voluntary P 3' the uses and purposes /mentioned therein.- Dated thisx~i d8y of October, 20~~- \ ~ ~~ ~\ ~ w t'! ~ - ~s?~ 1~"~~y\l\\ 111 +~ ~10 -- - Public in and r e of '~_~~ °T'~~t~ Notary ~ i s ~ s o .~ n Washington, residing ~1 L s" - . - ~ ~ My commission expl.res: N.> ~i AFB ~-~G i~~ i 9l~``'+l ~-07-~~~ G x `L` ~i ~ ~`uaal~.~~\ ~ ~~ r< ` ;~AS <~i iXJCSS~~I 667~5_vl -2- .b. true cry of dxum~nt filed in PFyrrFOU-rh District of tF}e tared Corr-t zs Dxun-lent No. (~ ~y~.~ Attest r'~ ~~ ate. ~/A~ 15 st~rrt RoCrrrder ~'" bT.4'I'Fs ~~ ~'AS~'-[~'GTE~2~ County ~f King __ ~,~15i17Y.F~cc~tlr - _ _ rt~ t s ~_ `~'~ County ,= ~~ ~ -. . ~ ~ , 7 - -~ _ The 1?irectnr of 8ecorda & Licensing. King Coanty. State of Washington and ezofficio Recorder of Deeds and other instruments, do herby certify the fanegoing oopf has been COIIi~fi7'~~ ~ ~ xAmr g~grg on t'ile end of r+ecai~3 m the a~ioe and twat the same is a true and perrfe~ct txa.nacsipt of acid o.~yre~ginal and of the whole thereof, of ~~~ 2 4 LiJ~~ cial seal this dey ~ Iaoe~aing Deputy L LOAN NO. ~ FIXED/ADTUSTABLE RATE NOTE (LIBOR Index -hate Caps) THIS NOTE PROVIDES FORA CHANGE IN MY FIXED RATE TO AN ADJUSTABLE INTEREST RATE. THIS NOTE LIMITS THE AMOUNT MY ADJUSTABLERATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. LONG BEACH MORTGAGE COMPANY I 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." Septemb®r 30, 2005 [~~l 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 134,920.00 "principal"), plus interest, to the order of the Lender. The Lender is ANAHEIM [aryl 152 W MIDDLESEX DRIVE CARLISLE, PA 17013 [Property Addr°ssJ CA [s~1°l (this amount is called 2. INTEREST Interest wrll be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 7.975 %. The interest rate I will pay may change in accordance with Section 4 of this Note. The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making payments every month, I will make my monthly payments on the fast day of each month beginning on November 1 2005 . I will make these payments every month until I have paid all of the principal and interest and any other changes described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on October 1 2035 , 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 : P.O. Box 2441, Chatsworth CA 91313-2441 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial montlily payments wrll be in the amount of U.S. ~ 987.64 .This amount may change. (C) Monthly Payment Changes Changes in my monthly paymentwill reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Note. 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of October 2007 ,and on that day every 6th month thereafter. Each date on which my adjustable interest rate could change is called a "Change Date." (B) The Index Begirming with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of the London interbank offered rates for six month dollar deposits in the London market based on quotations at five major banks ("LIBOR', as set forth in the "Money Rates" section of The Wall Street Journal; or if the Money Rates section ceases to be published or becomes unavailable for any reason, then as set forth in a comparable publication selected by the Lender. The most recent Index figure available as of the date 45 days before each Change Date is called the "Ciirrent Index." If the Index is no longer avarlable, the Note Holder will choose a new index that is based upon comparable information. The Note Holder wrll give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calcuhitemy new interest rate by adding Four and Ninety Nlne Hundredths percentage point(s) ( 4.990 °h) to the Cunent Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125°/.). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest mte until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owo at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation wrll be the new amount of my monthly payment (D) Limits on Interest Rate Changes The interest rate I am required to pay at the fast Change Date will not be greater than 9.975 % or less than 7.975 %. Thereafter, my adjustable interest rate wilt never be increased or decreased on any single Change Date by more than One percentage points ( 1.000 %) MULTISTATE FIXEDIADJUSTABLERRTE NOTE -LIBOR Peps 1 of 8 4140265 (°111) VMP MORTOAGa FOR 8 • (~~J201 41402°6f ro V26/02) LO ~ /~ 1 ~~cht ~ ~ ~~ LOAN NO.M~Mlrri from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 93.975 %, which is called the "Maximum Rate" or less than 7.975 % which is called the "Minimum Rate". (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the fast monthly payment date after the Change Date until the amount of my monthly payment changes again (I~ Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my adjustable interest rate and the amount of my monthly payment before the effective date of any change. Z1te notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal before they are due. Any payment of principal, before it is due, is known as a "prepayment" A prepayment of only part of the unpaid principal is known as a "partial prepayment" A prepayment of the full amount of the unpaid principal is known as a "full prepayment " If I make a full prepayment at any time during the first 2 yeaz(s) of the loan, I may be charged a fee as follows: If Noteholder receives a prepayment on or before the first anniversary of the date of the Note, the prepayment fee shall be equal to three percent ( 3.000 °~) of the original loan amount. If Noteholder receives a prepayment after the fast anniversary but on or before the second anniversary of the date of the Note, the prepayment fee shall be two percent ( 2.000 °~) of the original loan amount. ~~~ic'~~i Note shall be permitted without any prepayment xee. The prepayment fee shall be payable upon full prepayment, voluntary or involuntary; including but not limited to a prepayment resulting from Noteholders permitted acceleration of the balance due on the Note. Notwithstanding the foregoing, nothing herein shall restrict my right to prepay at any time without penalty accrued but unpaid interest that has been added to principal. When I make a full or partial prepayment, I will notify the Noteholder in writing that I am doing so. Any partial prepayment of principal shall be applied to interest accrued on the amount prepaid and then to the principal balance of the Note which shall not reduce the amount of monthly installments of principal and interest (until reamortized as set forth in the Note at the next Payment Change Date) nor relieve me of the obligation to make the installments each and every month until the Note is paid in full. Partial prepayments shall have no effect upon the due dates or the amounts of my monthly payments unless the Noteholder agrees in writing to such changes. 6. 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: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment 7. BORROWER'S FAILURE TO PAY AS REQUIItED (A) Late Charges for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of FIFTEEN calendaz days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 6.000 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment (Ii) 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 that has not been paid and all Ure interest that I owe on that amount. That date must be at least 30 days after the dare on which the notice is deliverai or mailed to me. (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 requned 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. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Unless the Note Holder requires a different method, any notice that must be given to the Note Holder under this Note will be given by mailing it by fast class mail to the Note 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. MULTISTATE pIXEDlADJUSTABLE RATE NOTE • LIBOR 4140265 (°117) Paga2M3 41402652 (°1/26102} LG LOAN NOS 9o OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than 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 maybe required to pay a]] of the amounts owed under this Note. lo. 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" meals the right to require the Note Holder to give notice to other persons that amounts due have not been paid 11. UNIFORM SECURED NOTE This Note is a uniform instrument with lunited 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 possrble ]oases that might result if I do not keep the promises which I make in this Note. That Security Instrument descnbes how and under what conditions I may be required W make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: (A) Until my initial fixed rate changes to an adjustable interest rate under the terms stated in Section 4 above, Uniform Covenant 17 of Ure Security Instrument provides as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instmment. 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 delivered or marled within which Bon:ower must pay all sums secured by this Security Instrument If Borrower Earls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by tl»s Security Instrument without further notice or demand on Bon-ower. (B) When my initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section 4 above, Uniform Covenant l 7 of the Security Instrument described in Section l 1(A) above shall then cease to be in effect, and Uniform Covenant 17 of the Security Instrument shall instead provide as follows: Transfer of the Property or a Beneficial Interest in Borrower. If a]1 or any part of the Property or any interest in it is sold or trarrsfeaed (or if a beneficial interest in Boaower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediatepayment in full of all sums secured by this Security Instrument However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender infomlation required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenantor agreement in this Security Instrument is acceptable to Lender. To the extent perautted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument Borrower wr71 continue to be obligated under the Note and Security Instnrment unless Lender releases Borrower in writing. ff Lender exercises the option to require immediate payment in full, 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument If Bonrower Earls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Inshwnent without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Z ~/ `(111 ~ U~~`l'G (Seal) ~Z ~ AA~~ / ~ (Seal) IRSAD MUSTA C -Boaowex SENA MUSTAFIC -Boirowrer [Sign Original Only] MULTISTATE flXEDIADJUSTABLE RATE NOTE -LIBOR ataozss lo„u _ (Seal) -Baaowat Paps 9 of 3 _ (Seal) -Boaow~ 414068 (Oit25p2) LO Chase(FL5-7730) PO BOX 44090 Jacksonville, FL 32231-4090 7100 4047 5100 9619 ?104 7~5~2~I l CHASEC,i #BWNCLNN# SENA MUSTA~!C 152 W MIDDLESEX DR CARLISLE PA 17013 000729! FT! BW860 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 can 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 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options 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 to determine the option that best fits your needs. There are several options available-call us now and let's see which one will work best for you. We are committed to working with you 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 Home Lending (800) R48-9380 (800) X82-0542 TDD !Text Telephone www.chase.corn 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 the option that will work best 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 Chase(FL5-7730) PO BOX 44090 Jacksonville, FL 32231-4090 CHASE~:i 7,6,20 ~ I SENA MUSTAFIC 152 W MIDDLESEX DR CARLISLE PA 17013 000729 Acceleration Warning (Notice of Intent to Foreclose) Account:~(the "Loan") Property Address: 152 W. Middlesex Dr. Carlisle PA 17013 (the "Property" ) Dear Sena Mustafic: ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official Notice that the mortggge on your home is in default. and the lender intends to foreclose. Snecific information about the nature of the default is provided in the attached pages. The HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) map be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER ('REDIT COUNSELING AGENCY W[THIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency, The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any~uestions. ygu may_call the Pennsylvania Housing Finance Agenc~oll-free at (800) 342-2397. (Persons with impaired hearing can call [717] 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR 5U CASA DE LA PERD[DA DEL DERECHO A REDIMIR SU HIPOTECA. BW860 COG729iBW860 HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCOUNT NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER MIRSAD MUSTAFIC SENA MUSTAFIC 152 W MIDDLESEX DR CARLISLE PA 17013 LONG BEACH MORTGAGE COMPANY JPMorgan Chase Bank, N.A. 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 POUR 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;~'AY 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 aface-to-face meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (331 DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated Consumer Credit Counseling ,Agencies for the county in which the Property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the 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 ("PHFA"). To temporarily stop the lender from filing foreclosure action, your application MUST be forwarded to the 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 TF_MPORARILY 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 HF_MAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE iAPPLIC ;AT10~~ WILL NO"[~ PREVENT THE LENDER FROM STAR"PING A FORECLOSURE ACTION, BUT IF YOUR APPLI(~;~~TIOti [S F.VP.r1TUALLY APPROVED A`C ANY TIME BEFORE A SHERIFF'S SALF_, THE FORECLOSURE WILL. I31.'. S~I'UPP1:1). ooo~zs!Bweso AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (bring it up to date). NATURE OF THE DEFAULT -The mortgage debt held by the above lender on your Property located at: 152 R/. Middlesex Dr., Carlisle PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 5/1/2011 through 7/5/2011, 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. "Coral Monthly Payments Past Due: 4487.55 Late Charges: 723.46 Insufficient Funds (NSF) Fees: 100.00 Other Fees*: 137.65 advances*: 312.00 ,Amount Held in Suspense: 0.00 "TOTAL AMOUNT DUE TO CURE DEFAULT: 5760.66 *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 TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 5760.66, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Pavments must be made by cash cashier's check certified check or money order made p~vable and sent to• Overnight/Regular Mail: Chase Mail Code: OH4-71.33 3415 Vision Drive Columbus, OH 43219-6009 IF `r'Oti 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 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 ygur morteaged PrQpert~ 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 eru iod• you will not be required to p,~v attorney fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then vast due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale. and any other costs connected with the Sheriff's Sale as specified in writing by the lender, and by nerformine any other reauirements under the morteaee. 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. BWB60 000725/BW860 EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sate 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 Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: Phone Number: Fax Number: Contact Person: Email Address: Chase Mail Code FLS-7317 7255 Baymeadows Way (FLS-6302) Jacksonville, FL 32256-6851 (800) 848-9380 (904) 462-1926 Linda Swanson g m.fdepa-secu ritized @ch ase.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 sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may 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. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE 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, [F YO(J CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVF. THIS RIGHT TO CURE. YOUR DEFAULT MORN THAN THREP. TIMES IN ANY CALF_NDAR YEAR.) • I"O ASSERT'1'HE NONEXISTENCE OF A DEFAULT [N 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 "CHE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Chase Home Lending (800) 848-9380 (800) 582-0542 TDD/Text Telephone www.chase.com Enclosures - Federal Trade Commission Pamphlet - IIEMAP Consumer Credit Counseling Agencies 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. Chase is a debt collector. B W 860 OG0729!BW860 HEMAP CONSUMER CREDIT COUNSELING AGENCIE5-- PENNSYLVANIA _ AGENCIES ' PHONE ' ADDRESS ' . - CITY __ ZIP CODE CCCS of Western PA 888-511-2227 1 North ate S uare Greensbur 05601 ~ CCCS of the Delaware Vall~_____ _ ----- CCCS of Western PA 215-563-5665 888-511-2227 1 Cherr Hill -Suite 215 524 Franklin Avenue - Cher Hill Ali ui a 08002 15001 Housm~Opportunities of Beaver Coin 724 728-7511 320 College Avenue Unit 1 Beaver 15009 I~ 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-Housin Inc. 412-281-2102 425 6th Avenue -Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Nei hborhood Housin Services inc. 412-281-9773 710 5th Avenue -Suite 1000 Pittsburgh 15219 PA Housin Finance A enc 412-429-2842 2275 Swallow Hill Road Bld 200 Pittsbur h 15220 Three Rivers Center for Inds endent Livin 412-371-7700 900 Rebecca Avenue Pittsbur h 15221 Fair Housing Partnership of Greater Pittsbur h, inc. 412-391-2535 2840 Liberty Avenue -Suite 205 Pittsburgh 15222 Urban Lea ue of Greater Pittsbur h 412-227-4163 610 Wood Street Pittsburgh _ 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsbur h _ 15224 Nazareth Housin Services 412-931-6996 301 Bellevue Road Pittsbur h 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washin ton _ 15301 C munity Action Southwest Southwestern PA Legal Services Inc. 724-255-9550 800-846-0871 150 W Beau StreetSuite 304 10 W Cherry Avenue (Central Office) Washington_ Washington ____ 15301 15301 __ Southwestern PA Leal Services Inc. , 800-846-0871 63 S Washington Street Waynesburg _ _15370 _ Fa ette Count Communit Action A enc _ t 724-437-6050 140 N Beeson Avenue Uniontown _ 15401 Southwestern PA Le al Services, Inc 800-846-0871 132 E Catherine Street Somerset _ 15501 Westmoreland Communi Action 724-834-1260 226 S Ma le Avenue Greensburg 15601 Indiana County Community Action Pr ram, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Communi Action Cor oratio 814-486-1161 135 W 4th Street Em orium 15834 CCCS of Western PA 888-511-2227 112 Holl ood Drive -Suite 101 Butler _ 16001 Housin Authorit of Butler Coun 724-287-6797 114 Wood Drive Butler 16001 Lawrence Coun Social Services, Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban Lea ue 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambau h Avenue Sharon _ 16146 Community Action Partnership of Mercer ' Count r_ 724-342-6222 75 S Dock Street Sharon 16146 __ Armstrong County Community Action ~en~ 724-548-3405 124 Armsdale Road - 5uile 211 Kittanning 16201 -- - -- - CC5 of Western PA C 888-511-2227 312 Chestnut Street -Suite 227 Meadville _ 16335 _ _ Center for Famil Services, Inc. 814-337-8450 213 W Center Street Meadville _ 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P O. Box 547 Warren 16365 _ Greater Erie Communit Action A enc 81459-4581 18 W 9th Street Erie _ 16501 Booker T. Washin ton 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Inde ndence -, 814-874-0064 1107 Pa ne 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 Ro ai/Remax Plaza Altoona 16602 ___ CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State Colle a 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Wellsboro 16901 Penns Ivania Housin Finance A enc 717-780-3907 211 N Front Street Harrisbur 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisburg _ _ 17110 Fair Housing Council of the Capital Region, Inc. 717.238-9540 2100 N 6th Street Harrisburg 17110 _ Loveship, Inc. _ _717-232-2207 2320 N 5lh Street Harrisburg 17110 L PHFA _ _ _ _ _ 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadel hia Avenue Wa nesborc~ 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown _ 17313 Adams Count Interfaith Housin Authorit 717-334-1518 40 E Hi h Street Gett sbur 17325 American Red Cross - Hanover Cha ter 717-637-3768 529 Carlisle Street Hanover 17331 Housin Alliance of York 717-854-1541 35 S Duke Street York 17401 O ortunit ,Inc. 717-424-3645 301 E Market Street York 17403 SACA Develo ment Cor 717-399-4292 453 S Lime Street Suite B Lancaster __ 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Communit Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street -Suite 600 Williams rt 17701 Lycoming-Clinton Counties Commission for Commun 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 Bloomsbur 17815 Schu (kill Communit Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valle ,Inc. 610-691-5620 1337E 5th Street Bethlehem 18015 __ EI Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehi h Valle , A Division of MMi 800-220-2733 306 S rin Garden Streel Easton _ _. 18042 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Buildin Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the _ Lehigh Valley __ __ __ 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 O ortunit ,Inc. 570-236-7642 West End Plaza Unil No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-6980 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 Northeastem 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-D759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna Count 570-558-2490 709 E Market Street Scranton 18509 Opportunity, Inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 115 & 940 Blakeslee 18610 _ __ The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counselin Institute 888-468-8847 212 Berwick-Hazelton Hi hwa Nescopeck 18635 CCCS of Northeastern PA 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 Economic Opportunity of Luzeme Coun 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of Northeastem PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastem PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sa re 18840 Bucks Coun Housin Grou 215-598-3566 2324 2nd Street Pike -Suite 17 Wri htstown 18940 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counselin Center 215-396-1880 832 2nd Street Pike __ 18954 American Credit Counselin Institute 215-444-9429 530 W Street Road -Suite 201 Warminster 18974 O rtuni ,Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadel hia 19004 CCCS of the Delaware Valle 215-563-5665 1230 New Ro ers Road -Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Ed emont Avenue Chester _ 19013 CCCS of the Delaware Valle 215-566-5335 130E 7th Street Chester 19013 American Financial Counselin Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 401 Old York Road Pavilion Suite Jenkintown 19046 CCCS of the Delaware Valley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley 215-566-5335 240 N Bisho Street S rin field __ 19064 _ _ _ _ _ _ __ American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkle Avenue Ridley Park __ 19078 American Credit Counselin Institute 610-971-2210 175 Strafford Avenue -Suite 1 Wa ne 19087 Housin Association of Delaware Valle 215-545-6010 1500 Walnut Street Suite 601 Philadelphia _ ___ 19102 Unem to ment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadel hia 19102 CCCS of the Delaware Valle 215-563-5665 1608 Walnut Street 10th Floor Philadel hia 19103 PA Council For Communit 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 Lea ue of PA 215-985-3220 1818 Market Street 20th Floor Philadel hia 19103 Intercultural Famil Services, Inc. 215-386-1298 4225 Chestnut Street Philadel hia 19104 The Partnershi CDC 215-662-1612 4027 Market Street Philadel hia _ 19104 Libe Resources 215-634-2000 714 Market Street Suite 100 Philadel hia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadel hia 19107 Philadel hia 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 Philadel hia 19107 American Financial Counselin Services 267-228-7903 1917 Welsh Road Philadel hia 19115 MT. Airy, USA 215-844-6021 6703 Germantown Avenue -Suite Philadelphia 19119 000729.'8~W860 200 ____ _ f Korean Community Development Services ~ Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 _ -- __-_-- _--- ! APM 215-235-6788 - 2147 N 6th Street Philadel hia 19122 Association De Puertorriquenos En Marcha 215-235-6070 600 W Diamond Street Philadel hia __ 19122 ~ Housin~c Association of Delaware Valley 215-978-0224 1528 Walnut Street ~ Philadelphia 19123 _ NACA Philadelphia, PA ~ 215-531-5221 3121 N Delaware Avenue -Suite philadelphia 19'125 New Kensington Community Development Cor 215-427-0350 2515 Frankford Avenue Philadelphia 19125 _ Carroll Park Communit Council tnc. 215-877-1157 5218 Master Street Philadel hia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Valle 800-989-2227 7340 Jackson Street Philadel hia 19136 West Oak Lane Communi Develo ment 215-224-0880 7300-02 ontz Avenue Philadel hia 19138 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street Philadel hia 19140 Hispanic Association of Contractors and Enter rises 215-426-8025 167 W Allegheny Avenue, Suite 200 philadelphia 19140 _ Nueva Es eranza 215-324-0746 4261 N 5th Street Philadel hia 19140 FOB CDC 215-549-8755 1201 W Olne Avenue Philadel hia 19141 Northwest Counselin Service 215-324-7500 5001 N Broad Street Philadel hia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia _ _ 19141 __ _ Southwest Communit Develo ment Cor 215-729-0800 6328 Paschall Avenue Philadel hia _ 19142 !Germantown Settlement 215-849-3104 5538 Wa ne Avenue Buildin C Philadelphia 19144 Advocates for Financial Independence - -- - - - 215-389-2810 1806 S Broad Street -Suite 1B Philadelphia __ 19145 - - ~eranza 215-336-3511 1920 S 20th Street Philadelphia_ __ _ 19145 _ South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadel hia _ 19146 Universal Com antes 215-732-6518 800 S 15th Street Philadel hia _ 19146 Philadel hia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadelphia _ 19148 American Credit Counselin Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville __ 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Hi hwa Suite Coatesville 19320 Housln Partnershl of Chester Coun 610-518-1522 41 W Lancaster Avenue Downingtown _ 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett S uare 19348 American Credit Counselin Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valle 800-989-2227 790 E Market Street -Suite 170 West Chester __ 19382 American Credit Counselin Institute 601-971-2210 526-528 Dekalb Street Norristown _ 19401 CCCS of the Delaware Valle 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 Nonristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown __ 19403 CCCS of the Delaware Valley - _ _ 800-989-2227 1777 Sentry Parkway West Blue Bell 19422 American Financial Counseling Services __ _267-228-7903 2880 Ber a Road -Suite 4 Hatfield _ __ 19440 '~ American Credit Counselin Institute 888-212-6741 937 N Hanover Street Pottstown _ 19460 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 1954 E Hi h Street Pottstown _ __ 19464 PA Interfaith Communit Pro rams, Inc. 610-562-2288 22 Willow Road _ Hamburg _ _____19526 Bud et Counselin Center 610-375-7866 247 N 5th Street Readin __ 19601 Neighborhood Housing Services of Readin Inc. 610-372-8433 213 N 5th Street -Suite 1030 Reading 19601 American Financial Counselin Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 BW860 Chase(FL5-7730} PO BOX 44090 1ack5onvil~e FL 31131 -4090 7100 4047 5100 9619 7098 ~isi2ol i CHASE #BWN NN# MIRSAD MUSTAFIC 152 W MIDDLESEX DR CARLISLE PA 17013 000730/ FT/ BW860 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 can 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 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options 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 to determine the option that best fits your needs. There are several options available-call us now and let's see which one will work best for you. We are committed to working with you 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 Home Lending (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 the option that will work best 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 Chase (FL5-7730} PO BOX 44090 Jacksonville, FL 32231-4090 CHASE~i 7/5/2011 MIRSAC MUSTAFIC 152 W MIDDLESEX DR CARLISLE PA 17013 ooo~B~ Acceleration Warning (Notice of Intent to Foreclose) Account:~(the "Loan") Property Address: 152 W. Middlesex Dr. Carlisle PA 17013 (the "Property") Dear Nlirsad Mustafic: ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official Notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home This Notice explains how the program works To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving_,vour Countv are listed at the end of this Notice.__[f vou_have any questions xou may call the Pennsylvania Housing Finance Agencv toll-free at (800) 342-2397 (Persons with impaired hearing can call [717] 780-1869). This Notice contains important legal information. [f you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY} SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. BW660 000730!BW660 HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCOUNT NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER MIRSAD MUSTAFIC SENA MUSTAFIC 152 W MIDDLESEX DR CARLISLE PA 17013 LONG BEACH MORTGAGE COMPANY JPMorgan Chase Bank, N.A. 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 (~ days from the date of this Notice (plus three (3] days for mailing). During that time, you must arrange and attend aface-to-face meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33I DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated Consumer Credit Counseling Agencies for the county in which the Property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance fiom [hc Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, an.i file ~~ com~~leted 1[E'.MAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this ~+oucc. 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 ("PHFA"). To temporarily stop the lender from filing foreclosure action, your application MUST be forwarded to the 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 EVF_NTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL F3Ii STOPPED. OC 0730'6W660 AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application,,,,„ NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL 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 ugto ate . NATURE OF THE DEFAULT -The mortgage debt held by the above lender on your Property located at: 152 VV. Middlesex Dr., Carlisle PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 5/1/2011. through 7/512011, 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: 4487.55 Late Charges: 723.46 Insufficient Funds (NSF) Fees: 100.00 Other Fees*: 137.65 Advances*: 312.00 \mount Held in Suspense: 0.00 'T'OTAL AMOUNT DUE TO CURE DEFAULT: 5760.66 *Urher Fees and Advances include chose 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 TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 5760.66, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Pavments must be made by cash cashier's check certified check or money order made p~vable and sent to• Overnight/Regular Mail: Chase Mail Code: OH4-7133 3415 Vision Drive Columbus, OH 43219-6009 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 Che chance to pay the mortgage in monthly installments. [f 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 vour mortgaged Pronert~ 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 actuallyrncurred, 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 required to pav attorney fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by~aving the total amount then past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale. and an oy ther costs connected with the Sheriff's Sale as specified in writing by the lender, and by oerformine anv other reauirements n 'r he morteaee. 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. BW 860 000730/BW860 EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged Property could he held would be approximately five to six (5-6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: Phone Number: Fax Number: Contact Person: Email Address: Chase Mail Code FL5-7317 7255 Baymeadows Way (FL5-6302) Jacksonville, FL 32256-6851 (800) 848-9380 (904)462-1926 Linda Swanson gm.fdcpa-securitized @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 furnishiizgs anal other belongings could be started by [he lender at any time. ASSUMPTION 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 r.he 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. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THE 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 ASSF_RT 1'HE NONEXISTENCE OF A DEFAULT [N ANY FORECLOSURE PROCEEDING OR ANY OTI il:R LAWSUI"t INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY "fHE LENDF,R. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Chase Home Lending (800) 848-9380 (800) 582-0542 TDD/Text Telephone www.chase.com Enclosures - Federal Trade Commission Pamphlet - HEM-AP Consumer Credit Counseling Agencies CFRTII=[I=.D MAIL: Return Receipt Requested and First Class Maii An important reminder for all our customers: As stated in the "Questions and Answers 1'or Borrowers about the Homeowner AtTordability 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. Chase is a debt collector. B W 860 000730!BWB60 HEMAP CONSUMER CREDIT COUNSELING AGENCIES- PENNSYLVANIA AGENCIES ~ PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 1 North ate S uare Greensbur 05601 CCCS of the Delaware Valley 215-563-5665 1 Cher Hill -Suite 215 Cherry Hill _ 08002 CCCS of Western PA 888-511-2227 524 Franklin Avenue Aliquippa 15001 -- Housi~Opportunities of Beaver Cou~___ 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~lnitiative 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-Housin Inc. 412-281-2102 425 6th Avenue -Suite 950 Pittsburgh _ 15_219 Neighborworks Western PA, formerly Nei hborhood Housin Services Inc. 412-281-9773 710 5th Avenue -Suite 1000 Pittsburgh 15219 PA Housin Finance A enc 41229-2842 2275 Swallow Hill Road Bld 200 Pittsbur h 15220 Three Rivers Center for Inde enderrt Livin 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housing Partnership of Greater Pittsbur h, Inc. 412-391-2535 2840 Liberty Avenue -Suite 205 Pittsburgh 15222 Urban Lea ue of Greater Pittsbur h 412-227-4163 610 Wood Street Pittsbur h 15222 Gafield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsbur h 15224 Nazareth Housin Services 412-931-6996 301 Bellevue Road Pittsbur h 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washin ton 15301 Community Action Southwest 724-255-9550 150 W Beau StreetSuite 304 _Washin ton ___ 15301 Southwestern PA Legal Services, Inc 800-846-0871 10 W Cherry Avenue (Central Office N/ashington 15301 Southwestern PA Legal Services, Inc. 800-846-0871 63 S Washington Slreet ____ Waynesburg _ 15370 Fa ette Count Communit Action A enc _ 724-437-6050 140 N Beeson Avenue Uniontown _ 15401 Southwestern PA Le al Services, Inc 800-846-0871 132 E Catherine Street Somerset 15501 Westmoreland Communi Action 724-834-1260 226 S Ma le Avenue Greensburg 15601 Indiana County Community Action Pr ram, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 _ The NORCAM Group 814-948-444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Communit Action Cor oratio 814-486-1161 135 W 4th Street Em orium 15834 CCCS of Western PA 888-511-2227 112 Holl ood Drive -Suite 101 Butler 16001 Housin Authorlt of Butler Coun 724-287-6797 114 Wood Drive Butler 16001 Lawrence Count Social Services, Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban Lea ue 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambau h Avenue Sharon 16146 Community Action Partnership of Mercer Count 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Community Action -ASenc~ 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 Services, Inc. 814-337-8450 213 W Center Street Meadville _ 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P O. Box 547 _ Warren _ _ - 16365 _ _ ~ _ ___ _ __ _ Greater Erie Community Action Agent 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 Pa ne Avenue Erie _ 16503 Ba root 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 Ro allRemax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State Colle a 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Wellsboro 16901 Penns Ivanla Housin Finance A enc 717-780-3907 211 N Front Street Harrisbur 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisbur 17110 Fair Housing Council of the Capital Region, Inc. 717.238-9540 2100 N 6th Street Harrisburg 17110 LoveshiP_ Inc _ _ 717-232-2207 2320 N 5th Street _ Harrisbur _ 17110 PHFA 717-780-3940 211 N Front Street Harrisbur 17110 _ _ _ i Maranatha --- 717-762-3285 43 Philadel hia Avenue Waynesboro 17_268 _ i CCCS of Western PA _ 888-511-2227 55 Clover Hill Road Dallastown __ 17313 Adams Count Interfaith Housin Authorit 717-334-1518 40 E Hi h Street Gett sbur __ 17325 American Red Cross -Hanover Cha ter 717-637-3768 529 Carlisle Street Hanover _ 17331 Housin 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 Cor~__ 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Communit Services, Inc. 717-397-5182 308 E Kin Street Lancaster __ 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street -Suite 600 Williams rt _ 17701 Lycoming-Clinton Counties Commission for Communi Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbu 17801 CCCS of Northeastern PA 800-922-9537 702 Sawmill Road Bloomsbur 17815 Schu kill Communit Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valle Inc. 610-691-5620 1337E 5th Street Bethlehem 18015 EI Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehi h Valle A Division of MMI 800-220-2733 306 S rin Garden Street Easton 18042 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall _ 18052 Alliance for Buildin Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the Lehi h 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 570-420-6980 411 Main Street -Suite 102 Stroudsbur 18360 CCCS of Northeastern PA 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 16431 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 Count 570-558-2490 709 E Market Street Scranton _ 18509 Opportunity, Inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 115 & 940 Blakeslee _ 18610 _ The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore __ 18614 American Credit Counselin Institute 888-468-8847 212 Berwick-Hazelton Hi hwa Nesco eck __ 18635 CCCS of Northeastern PA 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 Economic Opportunity of i Luzerne County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre _ 18%03 The Trehab Center of Northeastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastern PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sa re 18840 Bucks Coun Housin Grou 215-598-3566 2324 2nd Street Pike -Suite 17 Wri htstown 18940 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counselin Center 215-396-1880 832 2nd Street Pike 18954 American Credit Counselin Institute 215-444-9429 530 W Street Road -Suite 201 Warminster 18974 O ortuni Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadel hia 19004 CCCS of the Delaware Valle 215-563-5665 1230 New Ro ers Road -Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Ed emont Avenue Chester 19013 CCCS of the Delaware Valle 215-566-5335 130E 7th Street Chester 19013 American Financial Counselin Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 401 Old York Road Pavilion Suite Jenkintown 19046 CCCS of the Delaware Valle 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley_____ ____ 215-566-5335 240 N Bisho Street _____ Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville _ 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkle Avenue Ridley Park _ __ 19078 American Credit Counseling Institute 610-971-2210 175 Strafford Avenue -Suite 1 Wayne 19087 Housing Association of Delaware Valley __ 215-545-6010 1500 Walnut Street Suite 601 Philadelphia _ 19102 Unem to ment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia __ 19102 CCCS of the Delaware Valle 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Communit Advancement 215-567-7803 100 N 17th Street Suite 600 Philadel hia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard -Suite 1550 Philadelphia 19103 Urban Lea ue of PA 215-985-3220 1818 Market Street 20th Floor Philadel hia 19103 Intercultural Famll Services, Inc. 215-386-1298 4225 Chestnut Street Philadel hia 19104 The Partnershi CDC 215-662-1612 4027 Market Street Philadel hia _ 19104 Llbe Resources 215-634-2000 714 Market Street Suite 100 Philadel hia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadel his 19107 Philadel hia 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 Philadel his 19107 American Financial Counselin Services 267-228-7903 1917 Welsh Road Philadel his 19115 MT. Airy, USA 215-844-6021 6703 Germantown Avenue -Suite Philadel his 19119 000730!BW860 200 Korean Community Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia _ 19120 APM 215-235-6788 2147 N 6th Street Philadel hia __ 19122 Association De Puertorri uenos En Marcha 215-235-6070 600 W Diamond Street Philadel hia 19122 Housing Association of Delaware Vall~__ 215-978-0224 _ _1.528 Walnut Street Philadelphia__ _ _ _19123 NACA Philadelphia, PA _ 215-531-5221 1341 N Delaware Avenue -Suite 312 Philadelphia 19125 New Kensington Community Development Cor . 215-427-0350 2515 Frankford Avenue Philadelphia __ __ 19125 Carroll Park Communit Council, Inc. 215-877-1157 5218 Master Street Philadel hia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia _ 19133 CCCS of the Delaware Valle 800-989-2227 7340 Jackson Street Philadel hia 19136 West Oak Lane Communit Develo ment 215-224-0880 7300-02 ontz Avenue Philadel hia 19138 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street Philadel hia 19140 Hispanic Association of Contractors and Enter rises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadelphia 19140 Nueva Es eranza 215-324-0746 4261 N 5th Street Philadel hia 19140 FOB CDC 215-549-8755 1201 W Olne Avenue Philadel hia 19141 Northwest Counselin Service 215-324-7500 5001 N Broad Street Philadel hia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadel hia 19141 __ Southwest Communit Develo ment Cor 215-729-0800 6328 Paschall Avenue Philadel hia __ 19142 Germantown Settlement 215-849-3104 5538 Wa ne Avenue Buildin C Philadel hia _ 19144 Advocates for Financial Inde endence 215-389-2810 1806 S Broad Street -Suite 18 Philadel hia 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 Center 215-546-5879 509 S Broad Street Philadel hia __ 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadel hia 19148 American Credit Counselin Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Hi hwa Suite Coatescille 19320 Housin Partnershl of Chester Coun 610-518-1522 41 W Lancaster Avenue Downin town 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett S uare 19348 American Credit Counselin Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valle 800-989-2227 790 E Market Street -Suite 170 West Chester 19382 American Credit Counselin Institute 601-971-2210 526-528 Dekalb Street Norristown __ 19401 CCCS of the Delaware Valle 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 Housin Cor 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counselin Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Valley 800-989-2227 1777 Sentr Parkway West Blue Bell _ _ 19422 American Financial Counselin Services 267-228-7903 2880 Ber a Road -Suite 4 Hatfield 19440 American Credit Counseling Institute 888-212-6741 937 N Hanover Street _ Pottstown __ 19460 CCCS of Lehi h Valle , A Division of MMI 800-220-2733 1954 E Hi h Street ~ Pottstown 19464 _ PA Interfaith Community Programs, Inc. 610-562-2288 _ 22 Willow Road _ i Hamburg _ 19526 Bud et Counselin Center 610-375-7866 247 N 5th Street Reading _ 19601 -- Neighborhood Housing Services of Readin ,Inc. 610-372-8433 213 N 5th Street -Suite 1030 ~ Reading 19601 American Financial Counselin Services 267-228-7903 906 Penn Avenue W omissin _ 19610 Rev. 10/09 BW860 VERIFICATION ~~~ ~ m~~ ~` ~~ hereby states tha~she is ~ _ ~- ~ f'~~S ~~'~ ~~__ of JPMorgan Chase Bank, N.A., servicing agent for Plaintiff in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of 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: ~ ~ ~ r ~ .~-~ ~; Name: 3~1;FQ ~`"I /`'~ ~~i~ ~ Title: `/1CE ~~ sr~~ ~~~ Company: JPMorgan Chase Bank, N.A. S&D FILE NO: I I-040424 Mirsad Mustafic and Sena Mustafic FORM 1 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 VS. Mirsad Mustafic 152 West Middlesex Drive Carlisle, PA 17013 Sena Mustafic 152 West Middlesex Drive Carlisle, PA 17013 DEFENDANTS Plaintiff(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Defendant(s) ~ S~u.l~;ivil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE 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. 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 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 are represented by a lawyer, you and your lawyer must take 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. 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: Date SHAPIRO & DeNARDO, LLC Attorneys for Plaintiff FORM 2 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 following information to the best of your knowledge: Borrower name(s): Property Address: City: Is the property for sale? Realtor Name: Borrower Occupied? Mailing Address (if different): City: Phone Numbers: Email: # of people in household 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: Yes L No ^ State: Zip: Listing Date: Price:$ Realtor Phone: Yes ^ No Home: Cell: State:_ Office: Other: Zip: How Long? State: Zip: Home: Office: _ Cell: Other: How Long? _ ate You Closed Your Loan: Total Mortgage Payments Amount:$ Date of Last Payment: Primary Reason for Default: Included Taxes & Insurance: Is the Loan in Bankruptcy? Yes ^ No ^ If yes, provide names, location of court, case number & attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ ~ Savings: $ $ Other: $ $ Automobile #1: Model: Amount Owed: Value: _ Automobile #2: Model: _ Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model:__ Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Mnnthly F}r„PncPC•(P1PacP only inclnriP exnensec vnn are currently navin~l EXPENSE AMOUNT EXPENSE AMOUNT_ Mortage Food 2° Mortgage Utilities Car Payment(s) Condo/Neigh. Fees __ Auto Insurance Med. (not covered) _ Auto fuel/repairs Other prop. Payment ___ Install. Loan Payment Cable TV ___ Child Su port/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ~~= No ^ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: Year: Year: 2 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 ~~~ ~ I 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: 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 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) ti' Listing agreement (if property is currently on the market) FORM 3 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 Plaintiff(s) vs. Mirsad Mustafic 152 West Middlesex Drive Carlisle, PA 17013 IN THE COURT OF COMMON PLEAS OF CUMBF,RLAND COtTNTY, PENNSYLVANIA Sena Mustafic 152 West Middlesex Drive Carlisle, PA 17013 DEFENDANTS Defendant(s) Civil REQUEST FOR CONCILIATION CONFERF,NCE Pursuant to the Administrative Order dated , 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 acourt-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Legal Representative Signature of Defendant Date Date Signature of Defendant Date SHERIFF'S OFFICE OF CUMBERLAND COUNTI( Ronny R Anderson Sheriff Jody S Smith Chief Deputy ,~~ k,i i.taar ,~~.~~~~~ ~~~te,> ., • ~+ Uf~ THE PRQTH~NG~A~~Y ,z~110CT 23 PM ~: 44 CW Q RLANQ COUNTY ~~~NSYI.VANIA Richard W Stewart Solicitor Deutsche Bank National Trust Company Case Number vs. 2012-5902 Mirsad Mustafic (et al ) SHERIFF'S RETURN OF SERVICE 10/05/2012 03:25 PM -William Cline, Corporal, who being duly sworn according to law, states that on October 5, 2012 at 1525 hours, he 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: Mirsad Mustafic, by making known unto himself/ herself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square, Room 303, Carlisle, Pennsylvania 17013. Deputies were advised request for service at 152 W. Middlesex Drive, Carlisle, Pennsylvania 17013 has been vacant since approximately May 2012. However, Mirsad Mustafic's mail was still delivered to this address as of Octot2er , 2012. Mirsad Mustafic is thought to be currently residing at 128 Sable Drive, Carlisle, Perris aria 17013. ,~`'~ ILLIAM CLINE, DEPUTY 10/05/2012 03:25 PM -William Cline, Corporal, who being duly sworn according to law, states that on October 5, 2012 at 1525 hours, he 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: Sena Mustafic, by making known unto himself/ herself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square, Room 303, Carlisle, Pennsylvania 17013. Deputies were advised request for service at 152 W. Middlesex Drive, Carlisle, Pennsylvania 17013 has been vacant since approximately May 2012. However, Sena Mustafic's mail was still delivered to this address as of October 1, 2012. Mirsad Mustafic is thought to be currently residing at 128 Sable Drive, Carlisle, Pennsylvania 013. r" .~'. IAM CLI E, DEPUTY 10!08/2012 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 152 W. Middlesex Drive, Carlisle, Pennsylvania 17013, 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. Deputies were advised, Request for service at 152 W. Middlesex Drive, Carlisle, Pennsylvania 17013 has been vacant since approximately May 2012. However, Mirsad and Sena Mustafic; were still receiving their mail at this address as of October 1, 2012. SHERIFF COST: $77.00 October 10, 2012 SO ANSWERS RONNY R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson F!LELl-CRr ICr Sheriff ;'� �g ,4}1V?C 4fi.-ItiYij�,�J� OF THE t E P ROT�}1ONO fAR Y Jody S Smith Chief Deputy �: r 2013 ,IUL 12 PM 2: 14 7 Richard W Stewart Solicitor OFFICE OF THE SAERIFF CUMBERLAND COUNTY PENNSYLVANIA Deutsche Bank National Trust Company Case Number vs. Mirsad Mustafic(et al.) 2012-5902 SHERIFF'S RETURN OF SERVICE 12/31/2012 01:36 PM - Deputy Gerald Worthington, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 152 West Middlesex Drive, Carlisle, PA 17013, Cumberland County. 01/03/2013 02:39 PM - Deputy Valerie Weary, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Sena Mustafic at 128 Sable Drive, South Middleton Township, Carlisle, PA 17013, Cumberland County. 01/03/2013 02:39 PM - Deputy Valerie Weary, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be SENA MUSTAFIC - SPOUSE-AIC, who accepted as"Adult Person in Charge"for Mirsad Mustafic at 128 Sable Drive, Carisle, PA 17013, Cumberland County. 03/04/2013 As directed by Christopher Denardo,Attorney for the Plaintiff, Sheriffs Sale Continued to 5/1/2013 04/24/2013 As directed by Christopher Denardo, Attorney for the Plaintiff, Sheriffs Sale Continued to 7/10/2013 07/10/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $1,140.72 SO ANSWERS, July 12, 2013 RbNtV R ANDERSON, SHERIFF C .- 00- . (c)CountySuite Shenff,Teleosoft,Inc. 4 n yr n SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar#78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 ; CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic ; DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 152 West Middlesex Drive, Carlisle, PA 17013. — Va-C 0 `-4 1. Name and address of Owner(s) or Reputed Owner(s) Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 2. Name and address of Defendants in the judgment: Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: o Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 3415 Vision Drive Columbus, OH 43219 4. Name and address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 3415 Vision Drive Columbus, OH 43219 PNC Bank, National Association 2730 Liberty Avenue Pittsburgh, PA 15222 Long Beach Mortgage Co. 1400 S. Douglass Road, Suite 109 Anaheim, CA 92806 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 152 West Middlesex Drive Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHA RO & DeNARDO, LLC BY: a- Chri topher A. De ardo, Esquire 11-040424 SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar#78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Sena Mustafic 128 Sable Drive Carlisle, PA 17013 Your house (real estate) at: 152 West Middlesex Drive, Carlisle, PA 17013 21-06-0017-020B is scheduled to be sold at Sheriffs Sale on March 6, 2013 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$174,935.11 obtained by Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) y YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County 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. 11-040424 ALL THAT CERTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. I and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. I and 2, South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson, North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 2 and 3, North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive (now known as West Middlesex Drive) (T-499) first mentioned above; thence along said southern side of North Middlesex Drive (now known as West Middlesex Drive) (T-499), South 82 degrees 42 minutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. I and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker,Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 23, Page 109. PARCEL No. 21-06-0017-020B BEING the same premises which Becky S. Kuhn now by marriage Becky S. Washington and William Washington, wife and husband,by Deed dated September 30, 2005 and recorded in the Cumberland County Recorder of Deeds Office on October 4, 2005 in Deed Book 271, page 1331, granted and conveyed unto Mirsad Mustafic and Sena Mustafic, husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 12-5902 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt,interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR LONG BEACH MORTGAGE LOAN TRUST 2006-WL2 Plaintiff(s) From MIRSAD MUSTAFIC AND SENA MUSTAFIC (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $174,935.11 L.L.: $.50 Interest NOVEMBER 13,2012 TO MARCH 6,2013 IS$5,450.11 Atty's Comm: Due Prothy: $2.25 Atty Paid: $228.25 Other Costs: Plaintiff Paid: Date: 12/4/12 �:J , David D.�Bue 1, Prothonota (Seal) B Deputy REQUESTING PARTY: Name: CHRISTOPHER A.DENARDO,ESQUIRE Address:SHAPIRO&DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 TRUE COPY FROM RECORD Supreme Court ID No. 78447 Cn Testimony whereof, I here unto set my hand P and the seal-of said Co at Qarlisie,.Pa��./n� 'Ohir,�_�_,day of—��(' ,20 JQ otno.notary� On December 6, 2012 the Sheriff levied upon the defendant's interest in the real property situated in Middlesex Township, Cumberland County, PA, Known and numbered as, 152 West Middlesex Drive, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: December 6, 2012 By: 0j Real Estate Coordinator S I :Z 6 S- 330 1101 f'r . CUMBERLAND LAW JOURNAL Writ No. 2012-5902 Civil for Cumberland County,Pennsylva- nia,in Plan Book 23,Page 109. Deutsche Bank PARCEL No. 21-06-0017-020B. National Trust Company BEING the same premises which Becky S. Kuhn now by marriage VS. Becky S. Washington and William Mirsad Mustafic, Washington, wife and husband, by Sena Mustafic Deed dated September 30,2005 and Atty.: Christopher DeNardo recorded in the Cumberland County ALL THAT CERTAIN piece or par- Recorder of Deeds Office on October cel of land situated in the Township 4, 2005 in Deed Book 271, page of Middlesex,County of Cumberland 1331, granted and conveyed unto and Commonwealth of Pennsylvania, Mirsad Mustafic and Sena Mustafic, more particularly bounded and de- husband and wife. scribed as follows,to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 1 and 2,South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson, North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 2 and 3, North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive)(T-499)first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive)(T-499),South 82 degrees 42 minutes 20 seconds East,a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot NO.2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker, Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and 88 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929),P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne,Esquire,Editor of the Cumberland Law Journal, of the County and State aforesaid,being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952,been regularly issued weekly in the said County, and that the printed- notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 25, February 1, and February 8,2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time,place and character of publication are true. Lis Marie Coyne, ditor SWORN TO AND SUBSCRIBED before me this C, da of February,2013 ru v Notary NOTARIAL Commission SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Expires Apr 28,2014 ............ The CO' . ` ~ ' ^ -' - e ��e 300 ��atr1*otwXews Mechanicsburg, PA 17050 ' Now you know Inquiries . 717~255_8213 CUMBERLAND CO, SHERIFFS OFFICE | CUMBERLAND COUNTY COURT HOUSE | _ ` CARLISLE PA 17013 ^ . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 18. 1S2B Commonwealth of Pennsylvania, County ofDauphin) ma Marianne Miller, being duly sworn according bo law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as o the time, place and character of publication are true; and ' That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on )ehalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the ;tockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds i and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. 2012-5902 Cua ' This ad ran mnthe datm(s)mhommn below: Deutsche Bank National ``~°" 01122113 Company VS palp 01/29113 � KoirsadmuumtaNu � Sema8awm�fic * 02/05/13 KRC Atty. Christopher Demmrdo M13 `~~ ALL THAT {sxaov ',11p � L of land situated in the lbwnship m' q County of Cumberland and i'd . . . . . `°="=°"=" o Pennsylvania, more u7 February, 2013A.D. particularly bounded and described as follows,to wit: ooGnmwov0m^pin oo the southern side / of North Nddinex Drive ' as West Mddlesex Drive)(T499)at the dividing line between Lots Nos. I and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing fine between Lots Nos.1 and 2,South n degrees West,a distance of.175 feet to a Ilt COMMONWEALTH OF PENNSYLVANIA pin m the line m lands mRuth A.Clemson;'V Notarial Seal thence along said line of lands of Ruth A. Holly Lynn Warfel,Notary Public Clemson, North mdegrees 42 minutes< Washington Twp.,Dauphin County 20 seconds West, udivance ofxNfeet MY commission Expires Dec.12,2016 mu pin uthe di��.4tween Lots Nm.1mosmoK��hm�oa�r MEMBER, -- —��- ' mentioned Plan vx Lots;thence along said dividing line between Lots Nos.2 mm o^ ---- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment ( ) Other j n Q Deutsche Bank National Trust Company, as File No. /�f - S/w Trustee for Long Beach Mortgage Loan Trust Amount Due $174,935.11 2006-WL2 Interest December 5, 2012 to Dec`hb ?-4, PLAINTIFF 2013 is $17,449.92 -' c Atty's Comm -., `M; Costs C) VS. �-- : ==CD C ` Mirsad Mustafic and Sena Mustafic e DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property.of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s)as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: 7-25-)3 Signature: Print Name: Christopher A. DeNardo, Esquire Address: 3600 Horizon Drive, Suite 150 p King of Prussia, PA 19406 GLMl g b a Attorney for: Plaintiff T7. Supreme Court ID #PA Bar# 78447 ►�ILIO.-)a %% IDS. -7 S " :S6 if a s. so « 's P.P. S � 394 �� a C� /y616 )q a g s� ALL THAT CERTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 1 and 2, South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson,North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 2 and 3,North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499), South 82 degrees 42 minutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker, Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 23, Page 109. PARCEL No. 21-06-0017-020B BEING the same premises which Becky S. Kuhn now by marriage Becky S. Washington and William Washington, wife and husband, by Deed dated September 30, 2005 and recorded in the Cumberland County Recorder of Deeds Office on October 4, 2005 in Deed Book 271, page 1331, granted and conveyed unto Mirsad Mustafic and Sena Mustafic, husband and wife. 5 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, 3 JUr ESQUIRE, ATTORNEY I.D. NO. 78447 fill 9 CAITLIN M. DONNELLY, ESQUIRE, "'LlI IBERL n ATTORNEY I.D. NO. 311403 PENI SY? 3 OUNT,' KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 Deutsche Bank National Trust Company,as Trustee for Long Beach Mortgage Loan Trust 2006-WL2, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 152 West Middlesex Drive, Carlisle, PA 17013. 1. Name and address of Owner(s) or Reputed Owner(s) Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 2. Name and address of Defendants in the judgment: Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 11200 West Parkland Drive Milwaukee, WI 53224 4. Name and address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 11200 West Parkland Drive Milwaukee, WI 53224 PNC Bank,National Association 2730 Liberty Avenue Pittsburgh, PA 15222 Long Beach Mortgage Co. 1400 S. Douglass Road, Suite 109 Anaheim, CA 92806 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 152 West Middlesex Drive Carlisle, PA 17013 v I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are . made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SH &DeNARDO, LLC BY:, Christopher A. DeNardo, Esquire 11-040424 SHAPIRO &DeNARDO, LLC c s BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 j"') .� 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 C5 Y c-> TELEPHONE: (610)278-6800 S & D FILE NO. 11-040424 p Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 ; CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Your house(real estate) at: 152 West Middlesex Drive, Carlisle, PA 17013 21-06-0017-020B is scheduled to be sold at Sheriffs Sale on December 4, 2013 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$174,935.11 obtained by Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. .5. if the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. if the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time,the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money,which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten(10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County 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. 11-040424 ALL THAT CERTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. I and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. I and 2, South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson, North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 2 and 3,North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499), South 82 degrees 42 minutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. I and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker, Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 23, Page 109. PARCEL No. 21-06-0017-020B BEING the same premises which Becky S. Kuhn now by marriage Becky S. Washington and William Washington, wife and husband, by Deed dated September 30, 2005 and recorded in the Cumberland County Recorder of Deeds Office on October 4, 2005 in Deed Book 271,page 1331, granted and conveyed unto Mirsad Mustafic and Sena Mustafic,husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 12-5902 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR LONG BEACH MORTGAGE LOAN TRUST 2006-WL2 Plaintiff(s) From MIRSAD MUSTAFIC AND SENA MUSTAFIC (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the gamishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $174,935.11 L.L.: Interest DECEMBER 5,2012 TO DECEMBER 4,2013 IS$17,449.92 Atty's Comm: Due Prothy: $2.25 Atty Paid: $1,394.97 Other Costs: Plaintiff Paid: Date: 7/29/13 Dav' uell,Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name: CHRISTOPHER A.DENARDO,ESQUIRE Address: SHAPIRO&DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for:PLAINTIFF Telephone: 610-278-6800 Supreme Court 1D No. 78447 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, t ,}j ATTORNEY I.D. NO. 78447 3: �2 CAITLIN M. DONNELLY, ESQUIRE, cos'''1'`SB'E R j };%'") f ATTORNEY I.D. NO. 311403 { YL r �. IA AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO:12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on October 4, 2013, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. SHAPIRO & DENARDO, LLC 3 By: L-a- Date: 1)-- 6--1 y: Meghan Williams Legal Assistant 11-040424 N p M 3 cc j xLL m CV N Z N ° °LL 1da�ag tuiyag C I o JC..IaAipu P° 41 i w 1 co co il o 2ulipueH Teraads , LL uoileumjuop amueu2Is o ° M .-52--N o a LL uOT�euuguoD kIaAIjaQ i N O O y N } ':•.' r co(� 1..... • } +7i 0 O 0 — >N To > Q a.. 0 m N 0 _ co d 0 c L U Iia4 = p_ -p. 0Ec-O ns 0 0.E m0'- mEr 0 ai x t N 6 N 11 N �'no m a C O ip m a To o C N co O f O CO .6 m a E -c o 2 ;381 a c Z _o m m o E a_,,, 0o U m .o y N y >. N CCIXCGin m 22 n a co 5 o opoo U a ° a ai m m lb o o cn°a Q O N Ca)p UO❑G G N bD a: O V3 k M 0: ttl .-.O O 'n N ry R O -.--� rd '� b O 0.I h � Q � b - 0a,N U O Q EU v at l cocn 'a, a 'z' -2 N' a03 .N N ❑❑❑❑❑ ¢ a °. v o p poi c 3 •4" a •E E M � O q 6, N ''.it 0 0 0 0 0 N . N 0 O 0 m a> z > U N y N E 1—CC o 7 N O CS o • N .‘- (n..a • C 7 0 0 0 Q ¢ 3 w y to 73 ' a- a u, a ccr A N od ¢ a a y 00 '''• ox �o E .00 -6G To U CI) AO .7 ;1 N Z t/1 M V, �aG A— N M V In (a h OO F-—1 a SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff flyry at�"lunfe�f 414 Jody S Smith f Chief Deputy Richard W Stewart r , i 3 tiL Solicitor QFFI E OF t l4 S RI F Y iw I Deutsche Bank National Trust Company vs. Case Number Mirsad Mustafic(et al.) 2012-5902 SHERIFF'S RETURN OF SERVICE 09/25/2013 12:04 PM - Deputy Jamie DiMartle, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 152 West Middlesex Drive, Carlisle, PA 17013, Cumberland County. 09/25/2013 01:24 PM -Deputy Jamie DiMartle, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Mirsad Mustafic at 128 Sable Drive, Carisle, PA 17013, Cumberland County. 10/01/2013 03:48 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Sena Mustafic at 128 Sable Drive, South Middleton Township, Carlisle, PA 17013, Cumberland County. 12/04/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, Carlisle, Cumberland County, Pennsylvania on December 04, 2013 at 10:00 AM. He sold the same for the sum of$1.00 to Attorney Christopher Denardo, on behalf of Deutsche Bank National Trust Company, As Trustee for Long Beach Mortgage Loan Trust, 2006-WL2, being the buyer in this execution, paid to the Sheriff the sum of$ SHERIFF COST: $1,042.36 SO ANSWERS, December 10, 2013 RONNW ANDERSON, SHERIFF w•a ,A &4 cvass kfif3e,e,y,c-9- (C,CounfvSuite Sheriff,Telecsoft,In i • SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 152 West Middlesex Drive, Carlisle, PA 17013. 1. Name and address of Owner(s) or Reputed Owner(s) Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 2. Name and address of Defendants in the judgment: Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Sena Mustafic 128 Sable Drive Carlisle, PA 17013 • • 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 11200 West Parkland Drive Milwaukee, WI 53224 4. Name and address of the last recorded holder of every mortgage of record: Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 11200 West Parkland Drive Milwaukee, WI 53224 PNC Bank,National Association 2730 Liberty Avenue Pittsburgh, PA 15222 Long Beach Mortgage Co. 1400 S. Douglass Road, Suite 109 Anaheim, CA 92806 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 152 West Middlesex Drive Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SH &DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 11-040424 • SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mirsad Mustafic 128 Sable Drive Carlisle, PA 17013 Your house(real estate) at: 152 West Middlesex Drive, Carlisle, PA 17013 21-06-0017-020B is scheduled to be sold at Sheriffs Sale on December 4, 2013 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$174,935.11 obtained by Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) • YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County 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. 11-040424 • ALL THAT CERTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 1 and 2, South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson,North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 2 and 3,North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499), South 82 degrees 42 minutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker, Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 23, Page 109. PARCEL No. 21-06-0017-020B BEING the same premises which Becky S. Kuhn now by marriage Becky S. Washington and William Washington, wife and husband,by Deed dated September 30, 2005 and recorded in the Cumberland County Recorder of Deeds Office on October 4, 2005 in Deed Book 271,page 1331, granted and conveyed unto Mirsad Mustafic and Sena Mustafic,husband and wife. • SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 11-040424 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for Long Beach Mortgage Loan Trust CIVIL DIVISION 2006-WL2 CUMBERLAND COUNTY PLAINTIFF VS. NO: 12-5902 Mirsad Mustafic and Sena Mustafic DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Sena Mustafic 128 Sable Drive Carlisle, PA 17013 Your house (real estate) at: 152 West Middlesex Drive, Carlisle, PA 17013 21-06-0017-020B is scheduled to be sold at Sheriffs Sale on December 4, 2013 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$174,935.11 obtained by Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) • YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten(10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County 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. 11-040424 ALL THAT CERTAIN piece or parcel of land situated in the Township of Middlesex, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 1 and 2, South 17 degrees West, a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson,North 82 degrees 42 minutes 20 seconds West, a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots; thence along said dividing line between Lots Nos. 2 and 3,North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499), South 82 degrees 42 minutes 20 seconds East, a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J. Walker, Professional Engineer, on April 24, 1972, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 23, Page 109. PARCEL No. 21-06-0017-020B BEING the same premises which Becky S. Kuhn now by marriage Becky S. Washington and William Washington, wife and husband,by Deed dated September 30, 2005 and recorded in the Cumberland County Recorder of Deeds Office on October 4, 2005 in Deed Book 271, page 1331, granted and conveyed unto Mirsad Mustafic and Sena Mustafic,husband and wife. WRIT OF EXECUTION and/or ATTACHMENT • COMMONWEALTH OF PENNSYLVANIA) NO. 12-5902 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR LONG BEACH MORTGAGE LOAN TRUST 2006-WL2 Plaintiff(s) From MIRSAD MUSTAFIC AND SENA MUSTAFIC (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $174,935.11 L.L.: Interest DECEMBER 5,2012 TO DECEMBER 4,2013 IS$17,449.92 Atty's Comm: Due Prothy: $2.25 Atty Paid: $1,394.97 Other Costs: Plaintiff Paid: Date: 7/29/13 Davis D. Buell,Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name: CHRISTOPHER A.DENARDO,ESQUIRE Address: SHAPIRO& DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 78447 TRUE COPY FROM RECORD In Testimony whereof, I here unto set my hand and the nal of said Coy t at Carlisle,Pa This_ .day of U�J ,20 �_ Prothonotary -A„k d_ Haag. i • • LXII 41 CUMBERLAND LAW JOURNAL 10/11/13 Writ No.2012-5902 Civil Term Office of the Recorder of Deeds in and for Cumberland County, Pennsylva- DEUTSCHE BANK NATIONAL nia,in Plan Book 23,Page 109. TRUST COMPANY PARCEL No.21-06-001 7-020B BEING the same premises which vs. Becky S. Kuhn now by mathage MIRSAD MUSTAFIC, Becky S. Washington and William Sena Mustafic Washington, wife and husband, by Atty.:Christopher DeNardo Deed dated September 30,2005 and ALL THAT CERTAIN piece or par- recorded in the Cumberland County cel of land situated in the Township Recorder of Deeds Office on October of Middlesex,County of Cumberland 4, 2005 in Deed Book 271, page and Commonwealth of Pennsylvania, 1331, granted and conveyed unto more particularly bounded and de- Mirsad Mustafic and Sena Mustafic, scribed as follows,to wit: husband and wife. BEGINNING at a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive) (T-499) at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 1 and 2,South 17 degrees West,a distance of 175 feet to a pin at the line of lands of Ruth A. Clemson; thence along said line of lands of Ruth A. Clemson, North 82 degrees 42 minutes 20 seconds West,a distance of 100 feet to a pin at the dividing line between Lots Nos. 2 and 3 as shown on the hereinafter mentioned Plan of Lots;thence along said dividing line between Lots Nos. 2 and 3, North 17 degrees East, a distance of 175 feet to a pin on the southern side of North Middlesex Drive(now known as West Middlesex Drive)(T-499)first mentioned above; thence along said southern side of North Middlesex Drive(now known as West Middlesex Drive)(T-499),South 82 degrees 42 minutes 20 seconds East,a distance of 100 feet to a pin on the same at the dividing line between Lots Nos. 1 and 2 as shown on the hereinafter mentioned Plan of Lots, the point and place of BEGINNING. BEING Lot No. 2 as shown on the Subdivision Plan of Property for Ruth Clemson as prepared by Ernest J.Walker,Professional Engineer,on April 24, 1972, and recorded in the 89 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne,Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952,been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: October 11, October 18 and October 25, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. C\L- visa Marie Coyne, Editoj SWORN TO AND SUBSCRIBED before me this 25 day of October, 2013 .i , , Notary r,I'JTARit1.SEAL DEBORAH A COLLINS Public LISLE BOROUGH,CUMBERLAND COUNTY ommission Expires Apr 28,2011 The Patriot-News Co. ` 12020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. 2012-5902 CIA Than This ad ran on the date(s)shown below: UMW BANK NA Tiotil * on comma 10/13/13 vs. MIRKAN N IUSTA 1C / ,z 10/20/13 10/20/13 setna Musttatfk Dotarao_ — / 10/27/13 ALL THATTHTHAT C�ER or parcel of t land situated in the Township of Middleeses, 'ti / County of Cumberland and Cammonvvealth �y of Pennsylvania,more particularly bounded hi and-described as follows,to wit:. BEGINNING-at a pin on the southernsideof p Sworn to and subs ribed before me th�11 ay of November, 2013 A.D. North Middlesex Drive(now known as West Middlesex Drive)(T-499)at the dividing line i between Lots Nos.l and 2 as shown on the .� � I 'I, I hereinafter mentioned Plan of Lots;thence along;aid dividing line between Lots No w O b IC I I and 2,South 17 degrees West,a distance of 175 feet to a pin at the line of lands of Ruth A.Clemson thence along said line of lands of Ruth A.Clemson,North 82 degrees 42, mints w 20 se Viva, a distance of 100 fees to a pin sa the divirthis bne COMMONWEALTH OF PENNSYLVANIA between Lots Nos.tiliatetheni an the I Notarial Seal hereinat t mentioned Plan of Lots;thence Holly Lynn AWN,Notary Public along said dividing line between Lots Nos. Washington Thin.,Dauphin County 2 and 3,11orth 17 degrees Past,a distance My Commission Expires Dec.12,2016 of 175 feet to a pin on the southern side of I MEMBER,PENNSYLVANIA ASSOCIATION OF NOTARIES COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND }SS: I, Tammy Shearer, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which Deutsche Bank National Trust Company is the grantee the same having been sold to said grantee on the 4th day of September A.D., 2013, under and by virtue of a writ Execution issued on the 29th day of July, A.D., 2013, out of the Court of Common Pleas of said County as of Civil Term, 2012 Number 5902, at the suit of Deutsche Bank National Trust Company as Trustee for Long Beach Mortgage Loan Trust 2006-WL2 against Mirsad Mustafic and Sena Mustafic is duly recorded as Instrument Number 201401093. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this / 9 day of \DOr1 , A.D. cO! Recorder of Iyeeds Recorder of Deeds,Cumberland county,Carlisle PA My Commission Expires the First Monday of Jan.2018